id	sid	tid	token	lemma	pos
ajbmeb-1707	1	1	american	american	PROPN
ajbmeb-1707	1	2	journal	journal	PROPN
ajbmeb-1707	1	3	of	of	ADP
ajbmeb-1707	1	4	business	business	NOUN
ajbmeb-1707	1	5	management	management	NOUN
ajbmeb-1707	1	6	,	,	PUNCT
ajbmeb-1707	1	7	economics	economic	NOUN
ajbmeb-1707	1	8	and	and	CCONJ
ajbmeb-1707	1	9	banking	banking	NOUN
ajbmeb-1707	1	10	issn	issn	PROPN
ajbmeb-1707	1	11	(	(	PUNCT
ajbmeb-1707	1	12	e	e	NOUN
ajbmeb-1707	1	13	):	):	PUNCT
ajbmeb-1707	1	14	2832	2832	NUM
ajbmeb-1707	1	15	-	-	SYM
ajbmeb-1707	1	16	8078	8078	NUM
ajbmeb-1707	1	17	volume	volume	NOUN
ajbmeb-1707	1	18	20	20	NUM
ajbmeb-1707	1	19	,	,	PUNCT
ajbmeb-1707	1	20	|	|	ADV
ajbmeb-1707	1	21	january	january	PROPN
ajbmeb-1707	1	22	,	,	PUNCT
ajbmeb-1707	1	23	2024	2024	NUM
ajbmeb-1707	1	24	p	p	NOUN
ajbmeb-1707	1	25	a	a	DET
ajbmeb-1707	1	26	g	g	NOUN
ajbmeb-1707	1	27	e	e	NOUN
ajbmeb-1707	1	28	|	|	ADV
ajbmeb-1707	1	29	11	11	NUM
ajbmeb-1707	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	1	31	the	the	DET
ajbmeb-1707	1	32	role	role	NOUN
ajbmeb-1707	1	33	of	of	ADP
ajbmeb-1707	1	34	artificial	artificial	ADJ
ajbmeb-1707	1	35	intelligence	intelligence	NOUN
ajbmeb-1707	1	36	and	and	CCONJ
ajbmeb-1707	1	37	machine	machine	NOUN
ajbmeb-1707	1	38	learning	learning	NOUN
ajbmeb-1707	1	39	in	in	ADP
ajbmeb-1707	1	40	digital	digital	ADJ
ajbmeb-1707	1	41	banking	banking	NOUN
ajbmeb-1707	1	42	technology	technology	NOUN
ajbmeb-1707	1	43	hussein	hussein	PROPN
ajbmeb-1707	1	44	zaboon	zaboon	X
ajbmeb-1707	1	45	oleiwi	oleiwi	PROPN
ajbmeb-1707	1	46	al	al	PROPN
ajbmeb-1707	1	47	-	-	PUNCT
ajbmeb-1707	1	48	karkh	karkh	PROPN
ajbmeb-1707	1	49	university	university	PROPN
ajbmeb-1707	1	50	of	of	ADP
ajbmeb-1707	1	51	science	science	NOUN
ajbmeb-1707	1	52	,	,	PUNCT
ajbmeb-1707	1	53	iraq	iraq	PROPN
ajbmeb-1707	1	54	–	–	PUNCT
ajbmeb-1707	1	55	baghdad	baghdad	PROPN
ajbmeb-1707	1	56	hussein.zaboon@kus.edu.iq	hussein.zaboon@kus.edu.iq	VERB
ajbmeb-1707	2	1	a	a	DET
ajbmeb-1707	2	2	b	b	PROPN
ajbmeb-1707	2	3	s	s	ADP
ajbmeb-1707	2	4	t	t	PROPN
ajbmeb-1707	2	5	r	r	NOUN
ajbmeb-1707	2	6	a	a	DET
ajbmeb-1707	2	7	c	c	NOUN
ajbmeb-1707	2	8	t	t	NOUN
ajbmeb-1707	2	9	k	k	X
ajbmeb-1707	2	10	e	e	PROPN
ajbmeb-1707	2	11	y	y	PROPN
ajbmeb-1707	2	12	w	w	NOUN
ajbmeb-1707	2	13	o	o	NOUN
ajbmeb-1707	2	14	r	r	NOUN
ajbmeb-1707	2	15	d	d	X
ajbmeb-1707	2	16	s	s	VERB
ajbmeb-1707	2	17	this	this	DET
ajbmeb-1707	2	18	research	research	NOUN
ajbmeb-1707	2	19	paper	paper	NOUN
ajbmeb-1707	2	20	aims	aim	VERB
ajbmeb-1707	2	21	to	to	PART
ajbmeb-1707	2	22	know	know	VERB
ajbmeb-1707	2	23	modern	modern	ADJ
ajbmeb-1707	2	24	technology	technology	NOUN
ajbmeb-1707	2	25	and	and	CCONJ
ajbmeb-1707	2	26	digital	digital	ADJ
ajbmeb-1707	2	27	transformation	transformation	NOUN
ajbmeb-1707	2	28	and	and	CCONJ
ajbmeb-1707	2	29	use	use	VERB
ajbmeb-1707	2	30	it	it	PRON
ajbmeb-1707	2	31	to	to	PART
ajbmeb-1707	2	32	attract	attract	VERB
ajbmeb-1707	2	33	and	and	CCONJ
ajbmeb-1707	2	34	attract	attract	VERB
ajbmeb-1707	2	35	new	new	ADJ
ajbmeb-1707	2	36	skills	skill	NOUN
ajbmeb-1707	2	37	and	and	CCONJ
ajbmeb-1707	2	38	competencies	competency	NOUN
ajbmeb-1707	2	39	to	to	ADP
ajbmeb-1707	2	40	banks	bank	NOUN
ajbmeb-1707	2	41	and	and	CCONJ
ajbmeb-1707	2	42	train	train	NOUN
ajbmeb-1707	2	43	workers	worker	NOUN
ajbmeb-1707	2	44	in	in	ADP
ajbmeb-1707	2	45	the	the	DET
ajbmeb-1707	2	46	banking	banking	NOUN
ajbmeb-1707	2	47	sector	sector	NOUN
ajbmeb-1707	2	48	to	to	PART
ajbmeb-1707	2	49	use	use	VERB
ajbmeb-1707	2	50	technology	technology	NOUN
ajbmeb-1707	2	51	in	in	ADP
ajbmeb-1707	2	52	order	order	NOUN
ajbmeb-1707	2	53	to	to	PART
ajbmeb-1707	2	54	facilitate	facilitate	VERB
ajbmeb-1707	2	55	services	service	NOUN
ajbmeb-1707	2	56	for	for	ADP
ajbmeb-1707	2	57	customers	customer	NOUN
ajbmeb-1707	2	58	and	and	CCONJ
ajbmeb-1707	2	59	provide	provide	VERB
ajbmeb-1707	2	60	technological	technological	ADJ
ajbmeb-1707	2	61	services	service	NOUN
ajbmeb-1707	2	62	that	that	PRON
ajbmeb-1707	2	63	lead	lead	VERB
ajbmeb-1707	2	64	to	to	ADP
ajbmeb-1707	2	65	attracting	attract	VERB
ajbmeb-1707	2	66	new	new	ADJ
ajbmeb-1707	2	67	customers	customer	NOUN
ajbmeb-1707	2	68	.	.	PUNCT
ajbmeb-1707	3	1	therefore	therefore	ADV
ajbmeb-1707	3	2	,	,	PUNCT
ajbmeb-1707	3	3	it	it	PRON
ajbmeb-1707	3	4	was	be	AUX
ajbmeb-1707	3	5	necessary	necessary	ADJ
ajbmeb-1707	3	6	to	to	PART
ajbmeb-1707	3	7	know	know	VERB
ajbmeb-1707	3	8	what	what	PRON
ajbmeb-1707	3	9	artificial	artificial	ADJ
ajbmeb-1707	3	10	intelligence	intelligence	NOUN
ajbmeb-1707	3	11	is	be	AUX
ajbmeb-1707	3	12	.	.	PUNCT
ajbmeb-1707	4	1	and	and	CCONJ
ajbmeb-1707	4	2	machine	machine	NOUN
ajbmeb-1707	4	3	learning	learning	NOUN
ajbmeb-1707	4	4	and	and	CCONJ
ajbmeb-1707	4	5	modern	modern	ADJ
ajbmeb-1707	4	6	technologies	technology	NOUN
ajbmeb-1707	4	7	and	and	CCONJ
ajbmeb-1707	4	8	how	how	SCONJ
ajbmeb-1707	4	9	to	to	PART
ajbmeb-1707	4	10	train	train	VERB
ajbmeb-1707	4	11	workers	worker	NOUN
ajbmeb-1707	4	12	in	in	ADP
ajbmeb-1707	4	13	the	the	DET
ajbmeb-1707	4	14	banking	banking	NOUN
ajbmeb-1707	4	15	sectors	sector	NOUN
ajbmeb-1707	4	16	and	and	CCONJ
ajbmeb-1707	4	17	develop	develop	VERB
ajbmeb-1707	4	18	their	their	PRON
ajbmeb-1707	4	19	competence	competence	NOUN
ajbmeb-1707	4	20	and	and	CCONJ
ajbmeb-1707	4	21	skills	skill	NOUN
ajbmeb-1707	4	22	,	,	PUNCT
ajbmeb-1707	4	23	as	as	ADV
ajbmeb-1707	4	24	well	well	ADV
ajbmeb-1707	4	25	as	as	ADP
ajbmeb-1707	4	26	the	the	DET
ajbmeb-1707	4	27	opportunities	opportunity	NOUN
ajbmeb-1707	4	28	and	and	CCONJ
ajbmeb-1707	4	29	challenges	challenge	NOUN
ajbmeb-1707	4	30	presented	present	VERB
ajbmeb-1707	4	31	by	by	ADP
ajbmeb-1707	4	32	this	this	DET
ajbmeb-1707	4	33	technology	technology	NOUN
ajbmeb-1707	4	34	in	in	ADP
ajbmeb-1707	4	35	order	order	NOUN
ajbmeb-1707	4	36	to	to	PART
ajbmeb-1707	4	37	develop	develop	VERB
ajbmeb-1707	4	38	a	a	DET
ajbmeb-1707	4	39	proposed	propose	VERB
ajbmeb-1707	4	40	business	business	NOUN
ajbmeb-1707	4	41	model	model	NOUN
ajbmeb-1707	4	42	that	that	PRON
ajbmeb-1707	4	43	helps	helps	AUX
ajbmeb-1707	4	44	overcome	overcome	VERB
ajbmeb-1707	4	45	the	the	DET
ajbmeb-1707	4	46	obstacles	obstacle	NOUN
ajbmeb-1707	4	47	and	and	CCONJ
ajbmeb-1707	4	48	difficulty	difficulty	NOUN
ajbmeb-1707	4	49	of	of	ADP
ajbmeb-1707	4	50	attracting	attract	VERB
ajbmeb-1707	4	51	talent	talent	NOUN
ajbmeb-1707	4	52	in	in	ADP
ajbmeb-1707	4	53	the	the	DET
ajbmeb-1707	4	54	workplace	workplace	NOUN
ajbmeb-1707	4	55	at	at	ADP
ajbmeb-1707	4	56	the	the	DET
ajbmeb-1707	4	57	present	present	ADJ
ajbmeb-1707	4	58	time	time	NOUN
ajbmeb-1707	4	59	,	,	PUNCT
ajbmeb-1707	4	60	as	as	ADV
ajbmeb-1707	4	61	well	well	ADV
ajbmeb-1707	4	62	as	as	ADP
ajbmeb-1707	4	63	relying	rely	VERB
ajbmeb-1707	4	64	appropriately	appropriately	ADV
ajbmeb-1707	4	65	on	on	ADP
ajbmeb-1707	4	66	what	what	PRON
ajbmeb-1707	4	67	is	be	AUX
ajbmeb-1707	4	68	called	call	VERB
ajbmeb-1707	4	69	competency	competency	NOUN
ajbmeb-1707	4	70	planning	planning	NOUN
ajbmeb-1707	4	71	and	and	CCONJ
ajbmeb-1707	4	72	developing	develop	VERB
ajbmeb-1707	4	73	plans	plan	NOUN
ajbmeb-1707	4	74	to	to	PART
ajbmeb-1707	4	75	train	train	VERB
ajbmeb-1707	4	76	employees	employee	NOUN
ajbmeb-1707	4	77	on	on	ADP
ajbmeb-1707	4	78	this	this	DET
ajbmeb-1707	4	79	technology	technology	NOUN
ajbmeb-1707	4	80	to	to	PART
ajbmeb-1707	4	81	raise	raise	VERB
ajbmeb-1707	4	82	the	the	DET
ajbmeb-1707	4	83	level	level	NOUN
ajbmeb-1707	4	84	of	of	ADP
ajbmeb-1707	4	85	competencies	competency	NOUN
ajbmeb-1707	4	86	in	in	ADP
ajbmeb-1707	4	87	banks	bank	NOUN
ajbmeb-1707	4	88	and	and	CCONJ
ajbmeb-1707	4	89	thus	thus	ADV
ajbmeb-1707	4	90	provide	provide	VERB
ajbmeb-1707	4	91	better	well	ADJ
ajbmeb-1707	4	92	services	service	NOUN
ajbmeb-1707	4	93	to	to	ADP
ajbmeb-1707	4	94	customers	customer	NOUN
ajbmeb-1707	4	95	.	.	PUNCT
ajbmeb-1707	5	1	a	a	DET
ajbmeb-1707	5	2	set	set	NOUN
ajbmeb-1707	5	3	of	of	ADP
ajbmeb-1707	5	4	questions	question	NOUN
ajbmeb-1707	5	5	were	be	AUX
ajbmeb-1707	5	6	prepared	prepare	VERB
ajbmeb-1707	5	7	and	and	CCONJ
ajbmeb-1707	5	8	directed	direct	VERB
ajbmeb-1707	5	9	in	in	ADP
ajbmeb-1707	5	10	the	the	DET
ajbmeb-1707	5	11	form	form	NOUN
ajbmeb-1707	5	12	of	of	ADP
ajbmeb-1707	5	13	a	a	DET
ajbmeb-1707	5	14	personal	personal	ADJ
ajbmeb-1707	5	15	interview	interview	NOUN
ajbmeb-1707	5	16	to	to	ADP
ajbmeb-1707	5	17	the	the	DET
ajbmeb-1707	5	18	selected	select	VERB
ajbmeb-1707	5	19	study	study	NOUN
ajbmeb-1707	5	20	sample	sample	NOUN
ajbmeb-1707	5	21	of	of	ADP
ajbmeb-1707	5	22	50	50	NUM
ajbmeb-1707	5	23	employees	employee	NOUN
ajbmeb-1707	5	24	from	from	ADP
ajbmeb-1707	5	25	different	different	ADJ
ajbmeb-1707	5	26	banks	bank	NOUN
ajbmeb-1707	5	27	in	in	ADP
ajbmeb-1707	5	28	baghdad	baghdad	PROPN
ajbmeb-1707	5	29	governorate	governorate	PROPN
ajbmeb-1707	5	30	.	.	PUNCT
ajbmeb-1707	6	1	the	the	DET
ajbmeb-1707	6	2	data	datum	NOUN
ajbmeb-1707	6	3	was	be	AUX
ajbmeb-1707	6	4	analyzed	analyze	VERB
ajbmeb-1707	6	5	,	,	PUNCT
ajbmeb-1707	6	6	and	and	CCONJ
ajbmeb-1707	6	7	it	it	PRON
ajbmeb-1707	6	8	indicated	indicate	VERB
ajbmeb-1707	6	9	the	the	DET
ajbmeb-1707	6	10	results	result	NOUN
ajbmeb-1707	6	11	of	of	ADP
ajbmeb-1707	6	12	the	the	DET
ajbmeb-1707	6	13	study	study	NOUN
ajbmeb-1707	6	14	indicate	indicate	VERB
ajbmeb-1707	6	15	that	that	SCONJ
ajbmeb-1707	6	16	the	the	DET
ajbmeb-1707	6	17	percentage	percentage	NOUN
ajbmeb-1707	6	18	of	of	ADP
ajbmeb-1707	6	19	males	male	NOUN
ajbmeb-1707	6	20	in	in	ADP
ajbmeb-1707	6	21	the	the	DET
ajbmeb-1707	6	22	study	study	NOUN
ajbmeb-1707	6	23	sample	sample	NOUN
ajbmeb-1707	6	24	compared	compare	VERB
ajbmeb-1707	6	25	to	to	ADP
ajbmeb-1707	6	26	males	male	NOUN
ajbmeb-1707	6	27	is	be	AUX
ajbmeb-1707	6	28	a	a	DET
ajbmeb-1707	6	29	large	large	ADJ
ajbmeb-1707	6	30	percentage	percentage	NOUN
ajbmeb-1707	6	31	of	of	ADP
ajbmeb-1707	6	32	70	70	NUM
ajbmeb-1707	6	33	%	%	NOUN
ajbmeb-1707	6	34	.	.	PUNCT
ajbmeb-1707	7	1	we	we	PRON
ajbmeb-1707	7	2	see	see	VERB
ajbmeb-1707	7	3	that	that	SCONJ
ajbmeb-1707	7	4	females	female	NOUN
ajbmeb-1707	7	5	have	have	VERB
ajbmeb-1707	7	6	more	more	ADJ
ajbmeb-1707	7	7	interest	interest	NOUN
ajbmeb-1707	7	8	in	in	ADP
ajbmeb-1707	7	9	development	development	NOUN
ajbmeb-1707	7	10	and	and	CCONJ
ajbmeb-1707	7	11	use	use	NOUN
ajbmeb-1707	7	12	of	of	ADP
ajbmeb-1707	7	13	modern	modern	ADJ
ajbmeb-1707	7	14	technology	technology	NOUN
ajbmeb-1707	7	15	,	,	PUNCT
ajbmeb-1707	7	16	training	training	NOUN
ajbmeb-1707	7	17	and	and	CCONJ
ajbmeb-1707	7	18	career	career	NOUN
ajbmeb-1707	7	19	development	development	NOUN
ajbmeb-1707	7	20	,	,	PUNCT
ajbmeb-1707	7	21	and	and	CCONJ
ajbmeb-1707	7	22	that	that	SCONJ
ajbmeb-1707	7	23	training	training	NOUN
ajbmeb-1707	7	24	and	and	CCONJ
ajbmeb-1707	7	25	learning	learn	VERB
ajbmeb-1707	7	26	increases	increase	VERB
ajbmeb-1707	7	27	loyalty	loyalty	NOUN
ajbmeb-1707	7	28	and	and	CCONJ
ajbmeb-1707	7	29	belonging	belong	VERB
ajbmeb-1707	7	30	to	to	ADP
ajbmeb-1707	7	31	the	the	DET
ajbmeb-1707	7	32	banking	banking	NOUN
ajbmeb-1707	7	33	institution	institution	NOUN
ajbmeb-1707	7	34	.	.	PUNCT
ajbmeb-1707	8	1	introduction	introduction	NOUN
ajbmeb-1707	8	2	the	the	DET
ajbmeb-1707	8	3	banking	banking	NOUN
ajbmeb-1707	8	4	sector	sector	NOUN
ajbmeb-1707	8	5	is	be	AUX
ajbmeb-1707	8	6	considered	consider	VERB
ajbmeb-1707	8	7	a	a	DET
ajbmeb-1707	8	8	major	major	ADJ
ajbmeb-1707	8	9	party	party	NOUN
ajbmeb-1707	8	10	in	in	ADP
ajbmeb-1707	8	11	any	any	DET
ajbmeb-1707	8	12	economy	economy	NOUN
ajbmeb-1707	8	13	,	,	PUNCT
ajbmeb-1707	8	14	as	as	SCONJ
ajbmeb-1707	8	15	it	it	PRON
ajbmeb-1707	8	16	works	work	VERB
ajbmeb-1707	8	17	to	to	PART
ajbmeb-1707	8	18	facilitate	facilitate	VERB
ajbmeb-1707	8	19	the	the	DET
ajbmeb-1707	8	20	movement	movement	NOUN
ajbmeb-1707	8	21	of	of	ADP
ajbmeb-1707	8	22	money	money	NOUN
ajbmeb-1707	8	23	in	in	ADP
ajbmeb-1707	8	24	a	a	DET
ajbmeb-1707	8	25	way	way	NOUN
ajbmeb-1707	8	26	that	that	PRON
ajbmeb-1707	8	27	provides	provide	VERB
ajbmeb-1707	8	28	sufficient	sufficient	ADJ
ajbmeb-1707	8	29	financing	financing	NOUN
ajbmeb-1707	8	30	for	for	ADP
ajbmeb-1707	8	31	various	various	ADJ
ajbmeb-1707	8	32	investments	investment	NOUN
ajbmeb-1707	8	33	,	,	PUNCT
ajbmeb-1707	8	34	in	in	ADP
ajbmeb-1707	8	35	order	order	NOUN
ajbmeb-1707	8	36	to	to	PART
ajbmeb-1707	8	37	achieve	achieve	VERB
ajbmeb-1707	8	38	economic	economic	ADJ
ajbmeb-1707	8	39	development	development	NOUN
ajbmeb-1707	8	40	and	and	CCONJ
ajbmeb-1707	8	41	increase	increase	VERB
ajbmeb-1707	8	42	its	its	PRON
ajbmeb-1707	8	43	growth	growth	NOUN
ajbmeb-1707	8	44	rates	rate	NOUN
ajbmeb-1707	8	45	.	.	PUNCT
ajbmeb-1707	9	1	on	on	ADP
ajbmeb-1707	9	2	the	the	DET
ajbmeb-1707	9	3	other	other	ADJ
ajbmeb-1707	9	4	hand	hand	NOUN
ajbmeb-1707	9	5	,	,	PUNCT
ajbmeb-1707	9	6	the	the	DET
ajbmeb-1707	9	7	banking	banking	NOUN
ajbmeb-1707	9	8	environment	environment	NOUN
ajbmeb-1707	9	9	has	have	AUX
ajbmeb-1707	9	10	witnessed	witness	VERB
ajbmeb-1707	9	11	during	during	ADP
ajbmeb-1707	9	12	recent	recent	ADJ
ajbmeb-1707	9	13	decades	decade	NOUN
ajbmeb-1707	9	14	a	a	DET
ajbmeb-1707	9	15	kind	kind	NOUN
ajbmeb-1707	9	16	of	of	ADP
ajbmeb-1707	9	17	dynamism	dynamism	NOUN
ajbmeb-1707	9	18	and	and	CCONJ
ajbmeb-1707	9	19	complexity	complexity	NOUN
ajbmeb-1707	9	20	,	,	PUNCT
ajbmeb-1707	9	21	and	and	CCONJ
ajbmeb-1707	9	22	this	this	PRON
ajbmeb-1707	9	23	is	be	AUX
ajbmeb-1707	9	24	due	due	ADJ
ajbmeb-1707	9	25	to	to	ADP
ajbmeb-1707	9	26	the	the	DET
ajbmeb-1707	9	27	waves	wave	NOUN
ajbmeb-1707	9	28	of	of	ADP
ajbmeb-1707	9	29	globalization	globalization	NOUN
ajbmeb-1707	9	30	and	and	CCONJ
ajbmeb-1707	9	31	the	the	DET
ajbmeb-1707	9	32	acceleration	acceleration	NOUN
ajbmeb-1707	9	33	of	of	ADP
ajbmeb-1707	9	34	innovations	innovation	NOUN
ajbmeb-1707	9	35	,	,	PUNCT
ajbmeb-1707	9	36	which	which	PRON
ajbmeb-1707	9	37	has	have	AUX
ajbmeb-1707	9	38	placed	place	VERB
ajbmeb-1707	9	39	banks	bank	NOUN
ajbmeb-1707	9	40	in	in	ADP
ajbmeb-1707	9	41	various	various	ADJ
ajbmeb-1707	9	42	countries	country	NOUN
ajbmeb-1707	9	43	before	before	ADP
ajbmeb-1707	9	44	many	many	ADJ
ajbmeb-1707	9	45	challenges	challenge	NOUN
ajbmeb-1707	9	46	to	to	PART
ajbmeb-1707	9	47	keep	keep	VERB
ajbmeb-1707	9	48	pace	pace	NOUN
ajbmeb-1707	9	49	with	with	ADP
ajbmeb-1707	9	50	the	the	DET
ajbmeb-1707	9	51	transformations	transformation	NOUN
ajbmeb-1707	9	52	taking	take	VERB
ajbmeb-1707	9	53	place	place	NOUN
ajbmeb-1707	9	54	in	in	ADP
ajbmeb-1707	9	55	order	order	NOUN
ajbmeb-1707	9	56	to	to	PART
ajbmeb-1707	9	57	maintain	maintain	VERB
ajbmeb-1707	9	58	the	the	DET
ajbmeb-1707	9	59	market	market	NOUN
ajbmeb-1707	9	60	share	share	NOUN
ajbmeb-1707	9	61	in	in	ADP
ajbmeb-1707	9	62	financial	financial	ADJ
ajbmeb-1707	9	63	companies	company	NOUN
ajbmeb-1707	9	64	and	and	CCONJ
ajbmeb-1707	9	65	expand	expand	VERB
ajbmeb-1707	9	66	further	far	ADV
ajbmeb-1707	9	67	into	into	ADP
ajbmeb-1707	9	68	new	new	ADJ
ajbmeb-1707	9	69	markets	market	NOUN
ajbmeb-1707	9	70	.	.	PUNCT
ajbmeb-1707	10	1	many	many	ADJ
ajbmeb-1707	10	2	fields	field	NOUN
ajbmeb-1707	10	3	have	have	AUX
ajbmeb-1707	10	4	emerged	emerge	VERB
ajbmeb-1707	10	5	that	that	PRON
ajbmeb-1707	10	6	are	be	AUX
ajbmeb-1707	10	7	concerned	concern	VERB
ajbmeb-1707	10	8	,	,	PUNCT
ajbmeb-1707	10	9	in	in	ADP
ajbmeb-1707	10	10	different	different	ADJ
ajbmeb-1707	10	11	ways	way	NOUN
ajbmeb-1707	10	12	,	,	PUNCT
ajbmeb-1707	10	13	with	with	ADP
ajbmeb-1707	10	14	financial	financial	ADJ
ajbmeb-1707	10	15	services	service	NOUN
ajbmeb-1707	10	16	and	and	CCONJ
ajbmeb-1707	10	17	their	their	PRON
ajbmeb-1707	10	18	development	development	NOUN
ajbmeb-1707	10	19	,	,	PUNCT
ajbmeb-1707	10	20	such	such	ADJ
ajbmeb-1707	10	21	as	as	ADP
ajbmeb-1707	10	22	financial	financial	ADJ
ajbmeb-1707	10	23	american	american	ADJ
ajbmeb-1707	10	24	journal	journal	PROPN
ajbmeb-1707	10	25	of	of	ADP
ajbmeb-1707	10	26	business	business	NOUN
ajbmeb-1707	10	27	management	management	NOUN
ajbmeb-1707	10	28	,	,	PUNCT
ajbmeb-1707	10	29	economics	economic	NOUN
ajbmeb-1707	10	30	and	and	CCONJ
ajbmeb-1707	10	31	banking	banking	NOUN
ajbmeb-1707	10	32	volume	volume	NOUN
ajbmeb-1707	10	33	20	20	NUM
ajbmeb-1707	10	34	january	january	PROPN
ajbmeb-1707	10	35	,	,	PUNCT
ajbmeb-1707	10	36	2024	2024	NUM
ajbmeb-1707	10	37	p	p	NOUN
ajbmeb-1707	10	38	a	a	DET
ajbmeb-1707	10	39	g	g	NOUN
ajbmeb-1707	10	40	e	e	NOUN
ajbmeb-1707	10	41	|	|	NOUN
ajbmeb-1707	10	42	12	12	NUM
ajbmeb-1707	10	43	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	10	44	technology	technology	NOUN
ajbmeb-1707	10	45	and	and	CCONJ
ajbmeb-1707	10	46	artificial	artificial	ADJ
ajbmeb-1707	10	47	intelligence	intelligence	NOUN
ajbmeb-1707	10	48	.	.	PUNCT
ajbmeb-1707	11	1	this	this	PRON
ajbmeb-1707	11	2	is	be	AUX
ajbmeb-1707	11	3	in	in	ADP
ajbmeb-1707	11	4	order	order	NOUN
ajbmeb-1707	11	5	to	to	PART
ajbmeb-1707	11	6	move	move	VERB
ajbmeb-1707	11	7	more	more	ADV
ajbmeb-1707	11	8	towards	towards	ADP
ajbmeb-1707	11	9	simulating	simulate	VERB
ajbmeb-1707	11	10	human	human	ADJ
ajbmeb-1707	11	11	intelligence	intelligence	NOUN
ajbmeb-1707	11	12	,	,	PUNCT
ajbmeb-1707	11	13	which	which	PRON
ajbmeb-1707	11	14	is	be	AUX
ajbmeb-1707	11	15	considered	consider	VERB
ajbmeb-1707	11	16	one	one	NUM
ajbmeb-1707	11	17	of	of	ADP
ajbmeb-1707	11	18	the	the	DET
ajbmeb-1707	11	19	most	most	ADV
ajbmeb-1707	11	20	prominent	prominent	ADJ
ajbmeb-1707	11	21	technologies	technology	NOUN
ajbmeb-1707	11	22	produced	produce	VERB
ajbmeb-1707	11	23	in	in	ADP
ajbmeb-1707	11	24	the	the	DET
ajbmeb-1707	11	25	world	world	NOUN
ajbmeb-1707	11	26	,	,	PUNCT
ajbmeb-1707	11	27	and	and	CCONJ
ajbmeb-1707	11	28	which	which	DET
ajbmeb-1707	11	29	banks	bank	NOUN
ajbmeb-1707	11	30	seek	seek	VERB
ajbmeb-1707	11	31	to	to	PART
ajbmeb-1707	11	32	adopt	adopt	VERB
ajbmeb-1707	11	33	,	,	PUNCT
ajbmeb-1707	11	34	in	in	ADP
ajbmeb-1707	11	35	order	order	NOUN
ajbmeb-1707	11	36	to	to	PART
ajbmeb-1707	11	37	reduce	reduce	VERB
ajbmeb-1707	11	38	operational	operational	ADJ
ajbmeb-1707	11	39	costs	cost	NOUN
ajbmeb-1707	11	40	,	,	PUNCT
ajbmeb-1707	11	41	increase	increase	VERB
ajbmeb-1707	11	42	their	their	PRON
ajbmeb-1707	11	43	performance	performance	NOUN
ajbmeb-1707	11	44	,	,	PUNCT
ajbmeb-1707	11	45	and	and	CCONJ
ajbmeb-1707	11	46	get	get	VERB
ajbmeb-1707	11	47	closer	close	ADJ
ajbmeb-1707	11	48	to	to	ADP
ajbmeb-1707	11	49	customers	customer	NOUN
ajbmeb-1707	11	50	.	.	PUNCT
ajbmeb-1707	11	51	.	.	PUNCT
ajbmeb-1707	12	1	1−3	1−3	NUM
ajbmeb-1707	12	2	1.1research	1.1research	NUM
ajbmeb-1707	12	3	objective	objective	ADJ
ajbmeb-1707	12	4	banks	bank	NOUN
ajbmeb-1707	12	5	at	at	ADP
ajbmeb-1707	12	6	the	the	DET
ajbmeb-1707	12	7	global	global	ADJ
ajbmeb-1707	12	8	level	level	NOUN
ajbmeb-1707	12	9	have	have	AUX
ajbmeb-1707	12	10	begun	begin	VERB
ajbmeb-1707	12	11	to	to	PART
ajbmeb-1707	12	12	pay	pay	VERB
ajbmeb-1707	12	13	great	great	ADJ
ajbmeb-1707	12	14	attention	attention	NOUN
ajbmeb-1707	12	15	to	to	ADP
ajbmeb-1707	12	16	technology	technology	NOUN
ajbmeb-1707	12	17	at	at	ADP
ajbmeb-1707	12	18	the	the	DET
ajbmeb-1707	12	19	expense	expense	NOUN
ajbmeb-1707	12	20	of	of	ADP
ajbmeb-1707	12	21	developing	develop	VERB
ajbmeb-1707	12	22	their	their	PRON
ajbmeb-1707	12	23	human	human	ADJ
ajbmeb-1707	12	24	resources	resource	NOUN
ajbmeb-1707	12	25	,	,	PUNCT
ajbmeb-1707	12	26	which	which	PRON
ajbmeb-1707	12	27	has	have	AUX
ajbmeb-1707	12	28	had	have	VERB
ajbmeb-1707	12	29	a	a	DET
ajbmeb-1707	12	30	negative	negative	ADJ
ajbmeb-1707	12	31	impact	impact	NOUN
ajbmeb-1707	12	32	on	on	ADP
ajbmeb-1707	12	33	their	their	PRON
ajbmeb-1707	12	34	performance	performance	NOUN
ajbmeb-1707	12	35	,	,	PUNCT
ajbmeb-1707	12	36	since	since	SCONJ
ajbmeb-1707	12	37	the	the	DET
ajbmeb-1707	12	38	use	use	NOUN
ajbmeb-1707	12	39	of	of	ADP
ajbmeb-1707	12	40	technology	technology	NOUN
ajbmeb-1707	12	41	alone	alone	ADV
ajbmeb-1707	12	42	does	do	AUX
ajbmeb-1707	12	43	not	not	PART
ajbmeb-1707	12	44	result	result	VERB
ajbmeb-1707	12	45	in	in	ADP
ajbmeb-1707	12	46	any	any	DET
ajbmeb-1707	12	47	competitive	competitive	ADJ
ajbmeb-1707	12	48	advantage	advantage	NOUN
ajbmeb-1707	12	49	for	for	ADP
ajbmeb-1707	12	50	the	the	DET
ajbmeb-1707	12	51	bank	bank	NOUN
ajbmeb-1707	12	52	.	.	PUNCT
ajbmeb-1707	13	1	rather	rather	ADV
ajbmeb-1707	13	2	,	,	PUNCT
ajbmeb-1707	13	3	it	it	PRON
ajbmeb-1707	13	4	is	be	AUX
ajbmeb-1707	13	5	only	only	ADV
ajbmeb-1707	13	6	an	an	DET
ajbmeb-1707	13	7	import	import	NOUN
ajbmeb-1707	13	8	of	of	ADP
ajbmeb-1707	13	9	technology	technology	NOUN
ajbmeb-1707	13	10	,	,	PUNCT
ajbmeb-1707	13	11	unlike	unlike	ADP
ajbmeb-1707	13	12	banks	bank	NOUN
ajbmeb-1707	13	13	that	that	PRON
ajbmeb-1707	13	14	improve	improve	VERB
ajbmeb-1707	13	15	the	the	DET
ajbmeb-1707	13	16	skills	skill	NOUN
ajbmeb-1707	13	17	of	of	ADP
ajbmeb-1707	13	18	their	their	PRON
ajbmeb-1707	13	19	workers	worker	NOUN
ajbmeb-1707	13	20	.	.	PUNCT
ajbmeb-1707	14	1	through	through	ADP
ajbmeb-1707	14	2	training	training	NOUN
ajbmeb-1707	14	3	and	and	CCONJ
ajbmeb-1707	14	4	training	training	NOUN
ajbmeb-1707	14	5	,	,	PUNCT
ajbmeb-1707	14	6	they	they	PRON
ajbmeb-1707	14	7	provide	provide	VERB
ajbmeb-1707	14	8	more	more	ADJ
ajbmeb-1707	14	9	quality	quality	NOUN
ajbmeb-1707	14	10	services	service	NOUN
ajbmeb-1707	14	11	and	and	CCONJ
ajbmeb-1707	14	12	thus	thus	ADV
ajbmeb-1707	14	13	gain	gain	VERB
ajbmeb-1707	14	14	a	a	DET
ajbmeb-1707	14	15	competitive	competitive	ADJ
ajbmeb-1707	14	16	advantage	advantage	NOUN
ajbmeb-1707	14	17	and	and	CCONJ
ajbmeb-1707	14	18	make	make	VERB
ajbmeb-1707	14	19	them	they	PRON
ajbmeb-1707	14	20	more	more	ADV
ajbmeb-1707	14	21	innovative	innovative	ADJ
ajbmeb-1707	14	22	.	.	PUNCT
ajbmeb-1707	15	1	therefore	therefore	ADV
ajbmeb-1707	15	2	,	,	PUNCT
ajbmeb-1707	15	3	banks	bank	NOUN
ajbmeb-1707	15	4	today	today	NOUN
ajbmeb-1707	15	5	must	must	AUX
ajbmeb-1707	15	6	pay	pay	VERB
ajbmeb-1707	15	7	attention	attention	NOUN
ajbmeb-1707	15	8	to	to	ADP
ajbmeb-1707	15	9	their	their	PRON
ajbmeb-1707	15	10	human	human	ADJ
ajbmeb-1707	15	11	resources	resource	NOUN
ajbmeb-1707	15	12	along	along	ADP
ajbmeb-1707	15	13	with	with	ADP
ajbmeb-1707	15	14	technology	technology	NOUN
ajbmeb-1707	15	15	in	in	ADP
ajbmeb-1707	15	16	order	order	NOUN
ajbmeb-1707	15	17	to	to	PART
ajbmeb-1707	15	18	meet	meet	VERB
ajbmeb-1707	15	19	the	the	DET
ajbmeb-1707	15	20	increasing	increase	VERB
ajbmeb-1707	15	21	requirements	requirement	NOUN
ajbmeb-1707	15	22	in	in	ADP
ajbmeb-1707	15	23	the	the	DET
ajbmeb-1707	15	24	banking	banking	NOUN
ajbmeb-1707	15	25	arena	arena	NOUN
ajbmeb-1707	15	26	and	and	CCONJ
ajbmeb-1707	15	27	in	in	ADP
ajbmeb-1707	15	28	order	order	NOUN
ajbmeb-1707	15	29	to	to	PART
ajbmeb-1707	15	30	reach	reach	VERB
ajbmeb-1707	15	31	effective	effective	ADJ
ajbmeb-1707	15	32	and	and	CCONJ
ajbmeb-1707	15	33	distinguished	distinguished	ADJ
ajbmeb-1707	15	34	management	management	NOUN
ajbmeb-1707	15	35	of	of	ADP
ajbmeb-1707	15	36	human	human	PROPN
ajbmeb-1707	15	37	cadres	cadre	NOUN
ajbmeb-1707	15	38	in	in	ADP
ajbmeb-1707	15	39	iraqi	iraqi	ADJ
ajbmeb-1707	15	40	banks	bank	NOUN
ajbmeb-1707	15	41	.	.	PUNCT
ajbmeb-1707	15	42	.	.	PUNCT
ajbmeb-1707	16	1	4	4	NUM
ajbmeb-1707	16	2	1.2	1.2	NUM
ajbmeb-1707	16	3	the	the	DET
ajbmeb-1707	16	4	importance	importance	NOUN
ajbmeb-1707	16	5	of	of	ADP
ajbmeb-1707	16	6	the	the	DET
ajbmeb-1707	16	7	research	research	NOUN
ajbmeb-1707	16	8	since	since	SCONJ
ajbmeb-1707	16	9	the	the	DET
ajbmeb-1707	16	10	technological	technological	ADJ
ajbmeb-1707	16	11	development	development	NOUN
ajbmeb-1707	16	12	in	in	ADP
ajbmeb-1707	16	13	banks	bank	NOUN
ajbmeb-1707	16	14	has	have	AUX
ajbmeb-1707	16	15	accelerated	accelerate	VERB
ajbmeb-1707	16	16	the	the	DET
ajbmeb-1707	16	17	pace	pace	NOUN
ajbmeb-1707	16	18	of	of	ADP
ajbmeb-1707	16	19	completing	complete	VERB
ajbmeb-1707	16	20	operations	operation	NOUN
ajbmeb-1707	16	21	,	,	PUNCT
ajbmeb-1707	16	22	it	it	PRON
ajbmeb-1707	16	23	was	be	AUX
ajbmeb-1707	16	24	necessary	necessary	ADJ
ajbmeb-1707	16	25	for	for	SCONJ
ajbmeb-1707	16	26	iraqi	iraqi	ADJ
ajbmeb-1707	16	27	banks	bank	NOUN
ajbmeb-1707	16	28	to	to	PART
ajbmeb-1707	16	29	keep	keep	VERB
ajbmeb-1707	16	30	pace	pace	NOUN
ajbmeb-1707	16	31	with	with	ADP
ajbmeb-1707	16	32	this	this	DET
ajbmeb-1707	16	33	acceleration	acceleration	NOUN
ajbmeb-1707	16	34	in	in	ADP
ajbmeb-1707	16	35	the	the	DET
ajbmeb-1707	16	36	speed	speed	NOUN
ajbmeb-1707	16	37	of	of	ADP
ajbmeb-1707	16	38	processing	processing	NOUN
ajbmeb-1707	16	39	and	and	CCONJ
ajbmeb-1707	16	40	sending	send	VERB
ajbmeb-1707	16	41	information	information	NOUN
ajbmeb-1707	16	42	,	,	PUNCT
ajbmeb-1707	16	43	in	in	ADP
ajbmeb-1707	16	44	addition	addition	NOUN
ajbmeb-1707	16	45	to	to	ADP
ajbmeb-1707	16	46	the	the	DET
ajbmeb-1707	16	47	ability	ability	NOUN
ajbmeb-1707	16	48	to	to	PART
ajbmeb-1707	16	49	deliver	deliver	VERB
ajbmeb-1707	16	50	service	service	NOUN
ajbmeb-1707	16	51	faster	fast	ADV
ajbmeb-1707	16	52	to	to	ADP
ajbmeb-1707	16	53	customers	customer	NOUN
ajbmeb-1707	16	54	anywhere	anywhere	ADV
ajbmeb-1707	16	55	in	in	ADP
ajbmeb-1707	16	56	the	the	DET
ajbmeb-1707	16	57	world	world	NOUN
ajbmeb-1707	16	58	,	,	PUNCT
ajbmeb-1707	16	59	and	and	CCONJ
ajbmeb-1707	16	60	the	the	DET
ajbmeb-1707	16	61	speed	speed	NOUN
ajbmeb-1707	16	62	and	and	CCONJ
ajbmeb-1707	16	63	ease	ease	NOUN
ajbmeb-1707	16	64	of	of	ADP
ajbmeb-1707	16	65	electronic	electronic	ADJ
ajbmeb-1707	16	66	marketing	marketing	NOUN
ajbmeb-1707	16	67	of	of	ADP
ajbmeb-1707	16	68	banking	banking	NOUN
ajbmeb-1707	16	69	products	product	NOUN
ajbmeb-1707	16	70	by	by	ADP
ajbmeb-1707	16	71	increasing	increase	VERB
ajbmeb-1707	16	72	banks	bank	NOUN
ajbmeb-1707	16	73	interact	interact	VERB
ajbmeb-1707	16	74	with	with	ADP
ajbmeb-1707	16	75	the	the	DET
ajbmeb-1707	16	76	information	information	NOUN
ajbmeb-1707	16	77	network	network	NOUN
ajbmeb-1707	16	78	on	on	ADP
ajbmeb-1707	16	79	a	a	DET
ajbmeb-1707	16	80	large	large	ADJ
ajbmeb-1707	16	81	scale	scale	NOUN
ajbmeb-1707	16	82	.	.	PUNCT
ajbmeb-1707	17	1	the	the	DET
ajbmeb-1707	17	2	banking	banking	NOUN
ajbmeb-1707	17	3	sector	sector	NOUN
ajbmeb-1707	17	4	plays	play	VERB
ajbmeb-1707	17	5	a	a	DET
ajbmeb-1707	17	6	major	major	ADJ
ajbmeb-1707	17	7	role	role	NOUN
ajbmeb-1707	17	8	in	in	ADP
ajbmeb-1707	17	9	economic	economic	ADJ
ajbmeb-1707	17	10	development	development	NOUN
ajbmeb-1707	17	11	,	,	PUNCT
ajbmeb-1707	17	12	and	and	CCONJ
ajbmeb-1707	17	13	in	in	ADP
ajbmeb-1707	17	14	order	order	NOUN
ajbmeb-1707	17	15	for	for	SCONJ
ajbmeb-1707	17	16	this	this	PRON
ajbmeb-1707	17	17	to	to	PART
ajbmeb-1707	17	18	be	be	AUX
ajbmeb-1707	17	19	achieved	achieve	VERB
ajbmeb-1707	17	20	,	,	PUNCT
ajbmeb-1707	17	21	the	the	DET
ajbmeb-1707	17	22	banking	banking	NOUN
ajbmeb-1707	17	23	sector	sector	NOUN
ajbmeb-1707	17	24	must	must	AUX
ajbmeb-1707	17	25	play	play	VERB
ajbmeb-1707	17	26	many	many	ADJ
ajbmeb-1707	17	27	roles	role	NOUN
ajbmeb-1707	17	28	as	as	SCONJ
ajbmeb-1707	17	29	follows	follow	VERB
ajbmeb-1707	17	30	:	:	PUNCT
ajbmeb-1707	17	31	.	.	PUNCT
ajbmeb-1707	18	1	5−8	5−8	NUM
ajbmeb-1707	18	2	1	1	NUM
ajbmeb-1707	18	3	focus	focus	NOUN
ajbmeb-1707	18	4	and	and	CCONJ
ajbmeb-1707	18	5	great	great	ADJ
ajbmeb-1707	18	6	and	and	CCONJ
ajbmeb-1707	18	7	continuous	continuous	ADJ
ajbmeb-1707	18	8	interest	interest	NOUN
ajbmeb-1707	18	9	in	in	ADP
ajbmeb-1707	18	10	the	the	DET
ajbmeb-1707	18	11	future	future	ADJ
ajbmeb-1707	18	12	competencies	competency	NOUN
ajbmeb-1707	18	13	and	and	CCONJ
ajbmeb-1707	18	14	talents	talent	NOUN
ajbmeb-1707	18	15	of	of	ADP
ajbmeb-1707	18	16	human	human	PROPN
ajbmeb-1707	18	17	cadres	cadre	NOUN
ajbmeb-1707	18	18	in	in	ADP
ajbmeb-1707	18	19	the	the	DET
ajbmeb-1707	18	20	egyptian	egyptian	ADJ
ajbmeb-1707	18	21	banking	banking	NOUN
ajbmeb-1707	18	22	sector	sector	NOUN
ajbmeb-1707	18	23	,	,	PUNCT
ajbmeb-1707	18	24	and	and	CCONJ
ajbmeb-1707	18	25	exploiting	exploit	VERB
ajbmeb-1707	18	26	technological	technological	ADJ
ajbmeb-1707	18	27	development	development	NOUN
ajbmeb-1707	18	28	in	in	ADP
ajbmeb-1707	18	29	the	the	DET
ajbmeb-1707	18	30	banking	banking	NOUN
ajbmeb-1707	18	31	work	work	NOUN
ajbmeb-1707	18	32	environment	environment	NOUN
ajbmeb-1707	18	33	to	to	PART
ajbmeb-1707	18	34	confront	confront	VERB
ajbmeb-1707	18	35	successive	successive	ADJ
ajbmeb-1707	18	36	challenges	challenge	NOUN
ajbmeb-1707	18	37	,	,	PUNCT
ajbmeb-1707	18	38	save	save	VERB
ajbmeb-1707	18	39	time	time	NOUN
ajbmeb-1707	18	40	and	and	CCONJ
ajbmeb-1707	18	41	effort	effort	NOUN
ajbmeb-1707	18	42	,	,	PUNCT
ajbmeb-1707	18	43	improve	improve	VERB
ajbmeb-1707	18	44	the	the	DET
ajbmeb-1707	18	45	quality	quality	NOUN
ajbmeb-1707	18	46	of	of	ADP
ajbmeb-1707	18	47	financial	financial	ADJ
ajbmeb-1707	18	48	services	service	NOUN
ajbmeb-1707	18	49	provided	provide	VERB
ajbmeb-1707	18	50	,	,	PUNCT
ajbmeb-1707	18	51	improve	improve	VERB
ajbmeb-1707	18	52	the	the	DET
ajbmeb-1707	18	53	image	image	NOUN
ajbmeb-1707	18	54	of	of	ADP
ajbmeb-1707	18	55	iraqi	iraqi	ADJ
ajbmeb-1707	18	56	banks	bank	NOUN
ajbmeb-1707	18	57	,	,	PUNCT
ajbmeb-1707	18	58	increase	increase	VERB
ajbmeb-1707	18	59	the	the	DET
ajbmeb-1707	18	60	customer	customer	NOUN
ajbmeb-1707	18	61	base	base	NOUN
ajbmeb-1707	18	62	,	,	PUNCT
ajbmeb-1707	18	63	and	and	CCONJ
ajbmeb-1707	18	64	remove	remove	VERB
ajbmeb-1707	18	65	geographic	geographic	ADJ
ajbmeb-1707	18	66	obstacles	obstacle	NOUN
ajbmeb-1707	18	67	.	.	PUNCT
ajbmeb-1707	19	1	-2	-2	X
ajbmeb-1707	20	1	technical	technical	ADJ
ajbmeb-1707	20	2	and	and	CCONJ
ajbmeb-1707	20	3	technological	technological	ADJ
ajbmeb-1707	20	4	development	development	NOUN
ajbmeb-1707	20	5	represents	represent	VERB
ajbmeb-1707	20	6	a	a	DET
ajbmeb-1707	20	7	major	major	ADJ
ajbmeb-1707	20	8	source	source	NOUN
ajbmeb-1707	20	9	for	for	ADP
ajbmeb-1707	20	10	feeding	feed	VERB
ajbmeb-1707	20	11	the	the	DET
ajbmeb-1707	20	12	various	various	ADJ
ajbmeb-1707	20	13	operations	operation	NOUN
ajbmeb-1707	20	14	and	and	CCONJ
ajbmeb-1707	20	15	activities	activity	NOUN
ajbmeb-1707	20	16	of	of	ADP
ajbmeb-1707	20	17	the	the	DET
ajbmeb-1707	20	18	egyptian	egyptian	ADJ
ajbmeb-1707	20	19	banking	banking	NOUN
ajbmeb-1707	20	20	system	system	NOUN
ajbmeb-1707	20	21	with	with	ADP
ajbmeb-1707	20	22	information	information	NOUN
ajbmeb-1707	20	23	,	,	PUNCT
ajbmeb-1707	20	24	which	which	PRON
ajbmeb-1707	20	25	enables	enable	VERB
ajbmeb-1707	20	26	it	it	PRON
ajbmeb-1707	20	27	to	to	PART
ajbmeb-1707	20	28	collect	collect	VERB
ajbmeb-1707	20	29	,	,	PUNCT
ajbmeb-1707	20	30	store	store	NOUN
ajbmeb-1707	20	31	,	,	PUNCT
ajbmeb-1707	20	32	classify	classify	VERB
ajbmeb-1707	20	33	,	,	PUNCT
ajbmeb-1707	20	34	disseminate	disseminate	VERB
ajbmeb-1707	20	35	and	and	CCONJ
ajbmeb-1707	20	36	benefit	benefit	VERB
ajbmeb-1707	20	37	from	from	ADP
ajbmeb-1707	20	38	information	information	NOUN
ajbmeb-1707	20	39	according	accord	VERB
ajbmeb-1707	20	40	to	to	ADP
ajbmeb-1707	20	41	scientific	scientific	ADJ
ajbmeb-1707	20	42	and	and	CCONJ
ajbmeb-1707	20	43	objective	objective	ADJ
ajbmeb-1707	20	44	foundations	foundation	NOUN
ajbmeb-1707	20	45	.	.	PUNCT
ajbmeb-1707	21	1	-3	-3	PUNCT
ajbmeb-1707	21	2	this	this	DET
ajbmeb-1707	21	3	study	study	NOUN
ajbmeb-1707	21	4	came	come	VERB
ajbmeb-1707	21	5	as	as	ADP
ajbmeb-1707	21	6	a	a	DET
ajbmeb-1707	21	7	call	call	NOUN
ajbmeb-1707	21	8	to	to	PART
ajbmeb-1707	21	9	develop	develop	VERB
ajbmeb-1707	21	10	the	the	DET
ajbmeb-1707	21	11	capabilities	capability	NOUN
ajbmeb-1707	21	12	,	,	PUNCT
ajbmeb-1707	21	13	capabilities	capability	NOUN
ajbmeb-1707	21	14	and	and	CCONJ
ajbmeb-1707	21	15	skills	skill	NOUN
ajbmeb-1707	21	16	of	of	ADP
ajbmeb-1707	21	17	the	the	DET
ajbmeb-1707	21	18	human	human	ADJ
ajbmeb-1707	21	19	element	element	NOUN
ajbmeb-1707	21	20	in	in	ADP
ajbmeb-1707	21	21	the	the	DET
ajbmeb-1707	21	22	egyptian	egyptian	ADJ
ajbmeb-1707	21	23	banking	banking	NOUN
ajbmeb-1707	21	24	sector	sector	NOUN
ajbmeb-1707	21	25	to	to	PART
ajbmeb-1707	21	26	interact	interact	VERB
ajbmeb-1707	21	27	with	with	ADP
ajbmeb-1707	21	28	developments	development	NOUN
ajbmeb-1707	21	29	and	and	CCONJ
ajbmeb-1707	21	30	not	not	PART
ajbmeb-1707	21	31	wait	wait	VERB
ajbmeb-1707	21	32	to	to	PART
ajbmeb-1707	21	33	learn	learn	VERB
ajbmeb-1707	21	34	the	the	DET
ajbmeb-1707	21	35	results	result	NOUN
ajbmeb-1707	21	36	of	of	ADP
ajbmeb-1707	21	37	the	the	DET
ajbmeb-1707	21	38	performance	performance	NOUN
ajbmeb-1707	21	39	of	of	ADP
ajbmeb-1707	21	40	others	other	NOUN
ajbmeb-1707	21	41	to	to	PART
ajbmeb-1707	21	42	imitate	imitate	VERB
ajbmeb-1707	21	43	them	they	PRON
ajbmeb-1707	21	44	,	,	PUNCT
ajbmeb-1707	21	45	but	but	CCONJ
ajbmeb-1707	21	46	rather	rather	ADV
ajbmeb-1707	21	47	to	to	PART
ajbmeb-1707	21	48	strive	strive	VERB
ajbmeb-1707	21	49	for	for	ADP
ajbmeb-1707	21	50	leadership	leadership	NOUN
ajbmeb-1707	21	51	and	and	CCONJ
ajbmeb-1707	21	52	learn	learn	VERB
ajbmeb-1707	21	53	about	about	ADP
ajbmeb-1707	21	54	everything	everything	PRON
ajbmeb-1707	21	55	that	that	PRON
ajbmeb-1707	21	56	is	be	AUX
ajbmeb-1707	21	57	new	new	ADJ
ajbmeb-1707	21	58	,	,	PUNCT
ajbmeb-1707	21	59	in	in	ADP
ajbmeb-1707	21	60	order	order	NOUN
ajbmeb-1707	21	61	to	to	PART
ajbmeb-1707	21	62	achieve	achieve	VERB
ajbmeb-1707	21	63	precedence	precedence	NOUN
ajbmeb-1707	21	64	,	,	PUNCT
ajbmeb-1707	21	65	survival	survival	NOUN
ajbmeb-1707	21	66	,	,	PUNCT
ajbmeb-1707	21	67	growth	growth	NOUN
ajbmeb-1707	21	68	and	and	CCONJ
ajbmeb-1707	21	69	continuity	continuity	NOUN
ajbmeb-1707	21	70	in	in	ADP
ajbmeb-1707	21	71	the	the	DET
ajbmeb-1707	21	72	conduct	conduct	NOUN
ajbmeb-1707	21	73	of	of	ADP
ajbmeb-1707	21	74	its	its	PRON
ajbmeb-1707	21	75	business	business	NOUN
ajbmeb-1707	21	76	.	.	PUNCT
ajbmeb-1707	22	1	4	4	NUM
ajbmeb-1707	22	2	-	-	PUNCT
ajbmeb-1707	22	3	this	this	DET
ajbmeb-1707	22	4	study	study	NOUN
ajbmeb-1707	22	5	enhances	enhance	VERB
ajbmeb-1707	22	6	the	the	DET
ajbmeb-1707	22	7	performance	performance	NOUN
ajbmeb-1707	22	8	efficiency	efficiency	NOUN
ajbmeb-1707	22	9	of	of	ADP
ajbmeb-1707	22	10	employees	employee	NOUN
ajbmeb-1707	22	11	in	in	ADP
ajbmeb-1707	22	12	the	the	DET
ajbmeb-1707	22	13	egyptian	egyptian	ADJ
ajbmeb-1707	22	14	banking	banking	NOUN
ajbmeb-1707	22	15	sector	sector	NOUN
ajbmeb-1707	22	16	to	to	PART
ajbmeb-1707	22	17	be	be	AUX
ajbmeb-1707	22	18	compatible	compatible	ADJ
ajbmeb-1707	22	19	with	with	ADP
ajbmeb-1707	22	20	modern	modern	ADJ
ajbmeb-1707	22	21	technology	technology	NOUN
ajbmeb-1707	22	22	and	and	CCONJ
ajbmeb-1707	22	23	the	the	DET
ajbmeb-1707	22	24	digital	digital	ADJ
ajbmeb-1707	22	25	age	age	NOUN
ajbmeb-1707	22	26	,	,	PUNCT
ajbmeb-1707	22	27	which	which	PRON
ajbmeb-1707	22	28	reflects	reflect	VERB
ajbmeb-1707	22	29	positively	positively	ADV
ajbmeb-1707	22	30	on	on	ADP
ajbmeb-1707	22	31	the	the	DET
ajbmeb-1707	22	32	economic	economic	ADJ
ajbmeb-1707	22	33	sector	sector	NOUN
ajbmeb-1707	22	34	as	as	ADP
ajbmeb-1707	22	35	a	a	DET
ajbmeb-1707	22	36	whole	whole	NOUN
ajbmeb-1707	22	37	.	.	PUNCT
ajbmeb-1707	23	1	this	this	PRON
ajbmeb-1707	23	2	necessitates	necessitate	VERB
ajbmeb-1707	23	3	iraqi	iraqi	ADJ
ajbmeb-1707	23	4	banks	bank	NOUN
ajbmeb-1707	23	5	to	to	PART
ajbmeb-1707	23	6	strive	strive	VERB
ajbmeb-1707	23	7	towards	towards	ADP
ajbmeb-1707	23	8	innovation	innovation	NOUN
ajbmeb-1707	23	9	and	and	CCONJ
ajbmeb-1707	23	10	innovation	innovation	NOUN
ajbmeb-1707	23	11	by	by	ADP
ajbmeb-1707	23	12	opening	open	VERB
ajbmeb-1707	23	13	new	new	ADJ
ajbmeb-1707	23	14	horizons	horizon	NOUN
ajbmeb-1707	23	15	for	for	ADP
ajbmeb-1707	23	16	e	e	NOUN
ajbmeb-1707	23	17	-	-	ADJ
ajbmeb-1707	23	18	learning	learn	VERB
ajbmeb-1707	23	19	and	and	CCONJ
ajbmeb-1707	23	20	developing	develop	VERB
ajbmeb-1707	23	21	new	new	ADJ
ajbmeb-1707	23	22	services	service	NOUN
ajbmeb-1707	23	23	using	use	VERB
ajbmeb-1707	23	24	advanced	advanced	ADJ
ajbmeb-1707	23	25	methods	method	NOUN
ajbmeb-1707	23	26	,	,	PUNCT
ajbmeb-1707	23	27	such	such	ADJ
ajbmeb-1707	23	28	as	as	ADP
ajbmeb-1707	23	29	education	education	NOUN
ajbmeb-1707	23	30	.	.	PUNCT
ajbmeb-1707	24	1	remotely	remotely	ADV
ajbmeb-1707	24	2	,	,	PUNCT
ajbmeb-1707	24	3	which	which	PRON
ajbmeb-1707	24	4	ultimately	ultimately	ADV
ajbmeb-1707	24	5	improves	improve	VERB
ajbmeb-1707	24	6	the	the	DET
ajbmeb-1707	24	7	level	level	NOUN
ajbmeb-1707	24	8	of	of	ADP
ajbmeb-1707	24	9	service	service	NOUN
ajbmeb-1707	24	10	provided	provide	VERB
ajbmeb-1707	24	11	to	to	ADP
ajbmeb-1707	24	12	the	the	DET
ajbmeb-1707	24	13	community	community	NOUN
ajbmeb-1707	24	14	american	american	ADJ
ajbmeb-1707	24	15	journal	journal	PROPN
ajbmeb-1707	24	16	of	of	ADP
ajbmeb-1707	24	17	business	business	NOUN
ajbmeb-1707	24	18	management	management	NOUN
ajbmeb-1707	24	19	,	,	PUNCT
ajbmeb-1707	24	20	economics	economic	NOUN
ajbmeb-1707	24	21	and	and	CCONJ
ajbmeb-1707	24	22	banking	banking	NOUN
ajbmeb-1707	24	23	volume	volume	NOUN
ajbmeb-1707	24	24	20	20	NUM
ajbmeb-1707	24	25	january	january	PROPN
ajbmeb-1707	24	26	,	,	PUNCT
ajbmeb-1707	24	27	2024	2024	NUM
ajbmeb-1707	24	28	p	p	NOUN
ajbmeb-1707	24	29	a	a	DET
ajbmeb-1707	24	30	g	g	NOUN
ajbmeb-1707	24	31	e	e	NOUN
ajbmeb-1707	24	32	|	|	ADV
ajbmeb-1707	24	33	13	13	NUM
ajbmeb-1707	24	34	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	24	35	the	the	DET
ajbmeb-1707	24	36	importance	importance	NOUN
ajbmeb-1707	24	37	of	of	ADP
ajbmeb-1707	24	38	this	this	DET
ajbmeb-1707	24	39	research	research	NOUN
ajbmeb-1707	24	40	for	for	ADP
ajbmeb-1707	24	41	the	the	DET
ajbmeb-1707	24	42	egyptian	egyptian	ADJ
ajbmeb-1707	24	43	banking	banking	NOUN
ajbmeb-1707	24	44	sector	sector	NOUN
ajbmeb-1707	24	45	stems	stem	VERB
ajbmeb-1707	24	46	from	from	ADP
ajbmeb-1707	24	47	the	the	DET
ajbmeb-1707	24	48	fact	fact	NOUN
ajbmeb-1707	24	49	that	that	SCONJ
ajbmeb-1707	24	50	it	it	PRON
ajbmeb-1707	24	51	sheds	shed	VERB
ajbmeb-1707	24	52	light	light	NOUN
ajbmeb-1707	24	53	on	on	ADP
ajbmeb-1707	24	54	the	the	DET
ajbmeb-1707	24	55	impact	impact	NOUN
ajbmeb-1707	24	56	of	of	ADP
ajbmeb-1707	24	57	optimal	optimal	ADJ
ajbmeb-1707	24	58	investment	investment	NOUN
ajbmeb-1707	24	59	by	by	ADP
ajbmeb-1707	24	60	iraqi	iraqi	ADJ
ajbmeb-1707	24	61	banks	bank	NOUN
ajbmeb-1707	24	62	in	in	ADP
ajbmeb-1707	24	63	future	future	ADJ
ajbmeb-1707	24	64	talents	talent	NOUN
ajbmeb-1707	24	65	,	,	PUNCT
ajbmeb-1707	24	66	competencies	competency	NOUN
ajbmeb-1707	24	67	and	and	CCONJ
ajbmeb-1707	24	68	experiences	experience	NOUN
ajbmeb-1707	24	69	in	in	ADP
ajbmeb-1707	24	70	order	order	NOUN
ajbmeb-1707	24	71	to	to	PART
ajbmeb-1707	24	72	catch	catch	VERB
ajbmeb-1707	24	73	up	up	ADP
ajbmeb-1707	24	74	with	with	ADP
ajbmeb-1707	24	75	the	the	DET
ajbmeb-1707	24	76	train	train	NOUN
ajbmeb-1707	24	77	of	of	ADP
ajbmeb-1707	24	78	tremendous	tremendous	ADJ
ajbmeb-1707	24	79	technological	technological	ADJ
ajbmeb-1707	24	80	developments	development	NOUN
ajbmeb-1707	24	81	in	in	ADP
ajbmeb-1707	24	82	the	the	DET
ajbmeb-1707	24	83	banking	banking	NOUN
ajbmeb-1707	24	84	work	work	NOUN
ajbmeb-1707	24	85	environment	environment	NOUN
ajbmeb-1707	24	86	in	in	ADP
ajbmeb-1707	24	87	an	an	DET
ajbmeb-1707	24	88	era	era	NOUN
ajbmeb-1707	24	89	whose	whose	DET
ajbmeb-1707	24	90	variables	variable	NOUN
ajbmeb-1707	24	91	have	have	AUX
ajbmeb-1707	24	92	become	become	VERB
ajbmeb-1707	24	93	greater	great	ADJ
ajbmeb-1707	24	94	than	than	ADP
ajbmeb-1707	24	95	its	its	PRON
ajbmeb-1707	24	96	constants	constant	NOUN
ajbmeb-1707	24	97	on	on	ADP
ajbmeb-1707	24	98	the	the	DET
ajbmeb-1707	24	99	performance	performance	NOUN
ajbmeb-1707	24	100	of	of	ADP
ajbmeb-1707	24	101	these	these	DET
ajbmeb-1707	24	102	banks	bank	NOUN
ajbmeb-1707	24	103	,	,	PUNCT
ajbmeb-1707	24	104	and	and	CCONJ
ajbmeb-1707	24	105	as	as	ADP
ajbmeb-1707	24	106	a	a	DET
ajbmeb-1707	24	107	result	result	NOUN
ajbmeb-1707	24	108	of	of	ADP
ajbmeb-1707	24	109	the	the	DET
ajbmeb-1707	24	110	rapid	rapid	ADJ
ajbmeb-1707	24	111	technological	technological	ADJ
ajbmeb-1707	24	112	developments	development	NOUN
ajbmeb-1707	24	113	in	in	ADP
ajbmeb-1707	24	114	nowadays	nowadays	ADV
ajbmeb-1707	24	115	,	,	PUNCT
ajbmeb-1707	24	116	it	it	PRON
ajbmeb-1707	24	117	has	have	AUX
ajbmeb-1707	24	118	become	become	VERB
ajbmeb-1707	24	119	necessary	necessary	ADJ
ajbmeb-1707	24	120	for	for	SCONJ
ajbmeb-1707	24	121	iraqi	iraqi	ADJ
ajbmeb-1707	24	122	banks	bank	NOUN
ajbmeb-1707	24	123	to	to	PART
ajbmeb-1707	24	124	qualify	qualify	VERB
ajbmeb-1707	24	125	and	and	CCONJ
ajbmeb-1707	24	126	train	train	VERB
ajbmeb-1707	24	127	employees	employee	NOUN
ajbmeb-1707	24	128	in	in	ADP
ajbmeb-1707	24	129	the	the	DET
ajbmeb-1707	24	130	banking	banking	NOUN
ajbmeb-1707	24	131	sector	sector	NOUN
ajbmeb-1707	24	132	in	in	ADP
ajbmeb-1707	24	133	their	their	PRON
ajbmeb-1707	24	134	various	various	ADJ
ajbmeb-1707	24	135	activities	activity	NOUN
ajbmeb-1707	24	136	in	in	ADP
ajbmeb-1707	24	137	order	order	NOUN
ajbmeb-1707	24	138	to	to	PART
ajbmeb-1707	24	139	keep	keep	VERB
ajbmeb-1707	24	140	pace	pace	NOUN
ajbmeb-1707	24	141	with	with	ADP
ajbmeb-1707	24	142	developments	development	NOUN
ajbmeb-1707	24	143	and	and	CCONJ
ajbmeb-1707	24	144	modernize	modernize	VERB
ajbmeb-1707	24	145	their	their	PRON
ajbmeb-1707	24	146	working	work	VERB
ajbmeb-1707	24	147	methods	method	NOUN
ajbmeb-1707	24	148	.	.	PUNCT
ajbmeb-1707	25	1	hence	hence	ADV
ajbmeb-1707	25	2	,	,	PUNCT
ajbmeb-1707	25	3	the	the	DET
ajbmeb-1707	25	4	research	research	NOUN
ajbmeb-1707	25	5	gains	gain	NOUN
ajbmeb-1707	25	6	and	and	CCONJ
ajbmeb-1707	25	7	derives	derive	VERB
ajbmeb-1707	25	8	its	its	PRON
ajbmeb-1707	25	9	importance	importance	NOUN
ajbmeb-1707	25	10	because	because	SCONJ
ajbmeb-1707	25	11	:	:	PUNCT
ajbmeb-1707	25	12	➢	➢	X
ajbmeb-1707	25	13	it	it	PRON
ajbmeb-1707	25	14	contributes	contribute	VERB
ajbmeb-1707	25	15	to	to	ADP
ajbmeb-1707	25	16	shedding	shed	VERB
ajbmeb-1707	25	17	light	light	NOUN
ajbmeb-1707	25	18	on	on	ADP
ajbmeb-1707	25	19	the	the	DET
ajbmeb-1707	25	20	reality	reality	NOUN
ajbmeb-1707	25	21	of	of	ADP
ajbmeb-1707	25	22	iraqi	iraqi	ADJ
ajbmeb-1707	25	23	banks	bank	NOUN
ajbmeb-1707	25	24	’	'	PUNCT
ajbmeb-1707	25	25	use	use	NOUN
ajbmeb-1707	25	26	of	of	ADP
ajbmeb-1707	25	27	technological	technological	ADJ
ajbmeb-1707	25	28	and	and	CCONJ
ajbmeb-1707	25	29	technological	technological	ADJ
ajbmeb-1707	25	30	developments	development	NOUN
ajbmeb-1707	25	31	and	and	CCONJ
ajbmeb-1707	25	32	the	the	DET
ajbmeb-1707	25	33	degree	degree	NOUN
ajbmeb-1707	25	34	to	to	PART
ajbmeb-1707	25	35	which	which	PRON
ajbmeb-1707	25	36	they	they	PRON
ajbmeb-1707	25	37	have	have	AUX
ajbmeb-1707	25	38	reached	reach	VERB
ajbmeb-1707	25	39	compared	compare	VERB
ajbmeb-1707	25	40	to	to	ADP
ajbmeb-1707	25	41	the	the	DET
ajbmeb-1707	25	42	intense	intense	ADJ
ajbmeb-1707	25	43	competition	competition	NOUN
ajbmeb-1707	25	44	in	in	ADP
ajbmeb-1707	25	45	international	international	ADJ
ajbmeb-1707	25	46	banks	bank	NOUN
ajbmeb-1707	25	47	.	.	PUNCT
ajbmeb-1707	26	1	➢	➢	VERB
ajbmeb-1707	26	2	it	it	PRON
ajbmeb-1707	26	3	helps	help	VERB
ajbmeb-1707	26	4	iraqi	iraqi	ADJ
ajbmeb-1707	26	5	banks	bank	NOUN
ajbmeb-1707	26	6	by	by	ADP
ajbmeb-1707	26	7	highlighting	highlight	VERB
ajbmeb-1707	26	8	the	the	DET
ajbmeb-1707	26	9	importance	importance	NOUN
ajbmeb-1707	26	10	of	of	ADP
ajbmeb-1707	26	11	qualifying	qualify	VERB
ajbmeb-1707	26	12	and	and	CCONJ
ajbmeb-1707	26	13	training	train	VERB
ajbmeb-1707	26	14	the	the	DET
ajbmeb-1707	26	15	human	human	ADJ
ajbmeb-1707	26	16	element	element	NOUN
ajbmeb-1707	26	17	to	to	PART
ajbmeb-1707	26	18	benefit	benefit	VERB
ajbmeb-1707	26	19	from	from	ADP
ajbmeb-1707	26	20	the	the	DET
ajbmeb-1707	26	21	latest	late	ADJ
ajbmeb-1707	26	22	technologies	technology	NOUN
ajbmeb-1707	26	23	,	,	PUNCT
ajbmeb-1707	26	24	programs	program	NOUN
ajbmeb-1707	26	25	and	and	CCONJ
ajbmeb-1707	26	26	applications	application	NOUN
ajbmeb-1707	26	27	in	in	ADP
ajbmeb-1707	26	28	improving	improve	VERB
ajbmeb-1707	26	29	and	and	CCONJ
ajbmeb-1707	26	30	developing	develop	VERB
ajbmeb-1707	26	31	new	new	ADJ
ajbmeb-1707	26	32	banking	banking	NOUN
ajbmeb-1707	26	33	services	service	NOUN
ajbmeb-1707	26	34	for	for	ADP
ajbmeb-1707	26	35	their	their	PRON
ajbmeb-1707	26	36	current	current	ADJ
ajbmeb-1707	26	37	and	and	CCONJ
ajbmeb-1707	26	38	future	future	ADJ
ajbmeb-1707	26	39	markets	market	NOUN
ajbmeb-1707	26	40	so	so	SCONJ
ajbmeb-1707	26	41	that	that	SCONJ
ajbmeb-1707	26	42	they	they	PRON
ajbmeb-1707	26	43	exceed	exceed	VERB
ajbmeb-1707	26	44	consumers	consumer	NOUN
ajbmeb-1707	26	45	’	’	PART
ajbmeb-1707	26	46	expectations	expectation	NOUN
ajbmeb-1707	26	47	,	,	PUNCT
ajbmeb-1707	26	48	improve	improve	VERB
ajbmeb-1707	26	49	their	their	PRON
ajbmeb-1707	26	50	banking	banking	NOUN
ajbmeb-1707	26	51	performance	performance	NOUN
ajbmeb-1707	26	52	and	and	CCONJ
ajbmeb-1707	26	53	increase	increase	VERB
ajbmeb-1707	26	54	their	their	PRON
ajbmeb-1707	26	55	market	market	NOUN
ajbmeb-1707	26	56	share	share	NOUN
ajbmeb-1707	26	57	.	.	PUNCT
ajbmeb-1707	27	1	➢	➢	VERB
ajbmeb-1707	28	1	it	it	PRON
ajbmeb-1707	28	2	helps	help	VERB
ajbmeb-1707	28	3	to	to	PART
ajbmeb-1707	28	4	clarify	clarify	VERB
ajbmeb-1707	28	5	the	the	DET
ajbmeb-1707	28	6	picture	picture	NOUN
ajbmeb-1707	28	7	of	of	ADP
ajbmeb-1707	28	8	the	the	DET
ajbmeb-1707	28	9	advantages	advantage	NOUN
ajbmeb-1707	28	10	and	and	CCONJ
ajbmeb-1707	28	11	risks	risk	NOUN
ajbmeb-1707	28	12	of	of	ADP
ajbmeb-1707	28	13	introducing	introduce	VERB
ajbmeb-1707	28	14	technological	technological	ADJ
ajbmeb-1707	28	15	development	development	NOUN
ajbmeb-1707	28	16	and	and	CCONJ
ajbmeb-1707	28	17	the	the	DET
ajbmeb-1707	28	18	emergence	emergence	NOUN
ajbmeb-1707	28	19	of	of	ADP
ajbmeb-1707	28	20	new	new	ADJ
ajbmeb-1707	28	21	roles	role	NOUN
ajbmeb-1707	28	22	and	and	CCONJ
ajbmeb-1707	28	23	new	new	ADJ
ajbmeb-1707	28	24	jobs	job	NOUN
ajbmeb-1707	28	25	in	in	ADP
ajbmeb-1707	28	26	the	the	DET
ajbmeb-1707	28	27	future	future	NOUN
ajbmeb-1707	28	28	.	.	PUNCT
ajbmeb-1707	29	1	➢	➢	VERB
ajbmeb-1707	30	1	it	it	PRON
ajbmeb-1707	30	2	helps	help	VERB
ajbmeb-1707	30	3	iraqi	iraqi	ADJ
ajbmeb-1707	30	4	banks	bank	NOUN
ajbmeb-1707	30	5	in	in	ADP
ajbmeb-1707	30	6	developing	develop	VERB
ajbmeb-1707	30	7	a	a	DET
ajbmeb-1707	30	8	map	map	NOUN
ajbmeb-1707	30	9	of	of	ADP
ajbmeb-1707	30	10	future	future	ADJ
ajbmeb-1707	30	11	competencies	competency	NOUN
ajbmeb-1707	30	12	(	(	PUNCT
ajbmeb-1707	30	13	innovation	innovation	NOUN
ajbmeb-1707	30	14	creativity	creativity	NOUN
ajbmeb-1707	30	15	technical	technical	ADJ
ajbmeb-1707	30	16	expertise	expertise	NOUN
ajbmeb-1707	30	17	knowledge	knowledge	NOUN
ajbmeb-1707	30	18	behavior	behavior	NOUN
ajbmeb-1707	30	19	skills	skill	VERB
ajbmeb-1707	30	20	.	.	PUNCT
ajbmeb-1707	31	1	the	the	DET
ajbmeb-1707	31	2	goal	goal	NOUN
ajbmeb-1707	31	3	of	of	ADP
ajbmeb-1707	31	4	this	this	PRON
ajbmeb-1707	31	5	is	be	AUX
ajbmeb-1707	31	6	to	to	PART
ajbmeb-1707	31	7	enable	enable	VERB
ajbmeb-1707	31	8	that	that	SCONJ
ajbmeb-1707	31	9	employee	employee	NOUN
ajbmeb-1707	31	10	to	to	PART
ajbmeb-1707	31	11	understand	understand	VERB
ajbmeb-1707	31	12	himself	himself	PRON
ajbmeb-1707	31	13	/	/	SYM
ajbmeb-1707	31	14	herself	herself	PRON
ajbmeb-1707	31	15	better	well	ADV
ajbmeb-1707	31	16	,	,	PUNCT
ajbmeb-1707	31	17	and	and	CCONJ
ajbmeb-1707	31	18	where	where	SCONJ
ajbmeb-1707	31	19	career	career	NOUN
ajbmeb-1707	31	20	development	development	NOUN
ajbmeb-1707	31	21	efforts	effort	NOUN
ajbmeb-1707	31	22	are	be	AUX
ajbmeb-1707	31	23	directed	direct	VERB
ajbmeb-1707	31	24	and	and	CCONJ
ajbmeb-1707	31	25	to	to	PART
ajbmeb-1707	31	26	conduct	conduct	VERB
ajbmeb-1707	31	27	appropriate	appropriate	ADJ
ajbmeb-1707	31	28	training	training	NOUN
ajbmeb-1707	31	29	for	for	ADP
ajbmeb-1707	31	30	him	he	PRON
ajbmeb-1707	31	31	/	/	SYM
ajbmeb-1707	31	32	her	she	PRON
ajbmeb-1707	31	33	)	)	PUNCT
ajbmeb-1707	31	34	.	.	PUNCT
ajbmeb-1707	32	1	9	9	NUM
ajbmeb-1707	32	2	2	2	NUM
ajbmeb-1707	32	3	.	.	PUNCT
ajbmeb-1707	32	4	proposed	propose	VERB
ajbmeb-1707	32	5	methodology	methodology	NOUN
ajbmeb-1707	32	6	artificial	artificial	ADJ
ajbmeb-1707	32	7	intelligence	intelligence	NOUN
ajbmeb-1707	32	8	(	(	PUNCT
ajbmeb-1707	32	9	ai	ai	PROPN
ajbmeb-1707	32	10	)	)	PUNCT
ajbmeb-1707	32	11	is	be	AUX
ajbmeb-1707	32	12	the	the	DET
ajbmeb-1707	32	13	process	process	NOUN
ajbmeb-1707	32	14	of	of	ADP
ajbmeb-1707	32	15	programming	program	VERB
ajbmeb-1707	32	16	a	a	DET
ajbmeb-1707	32	17	machine	machine	NOUN
ajbmeb-1707	32	18	and	and	CCONJ
ajbmeb-1707	32	19	adapting	adapt	VERB
ajbmeb-1707	32	20	it	it	PRON
ajbmeb-1707	32	21	to	to	PART
ajbmeb-1707	32	22	think	think	VERB
ajbmeb-1707	32	23	,	,	PUNCT
ajbmeb-1707	32	24	act	act	PROPN
ajbmeb-1707	32	25	,	,	PUNCT
ajbmeb-1707	32	26	and	and	CCONJ
ajbmeb-1707	32	27	interact	interact	VERB
ajbmeb-1707	32	28	in	in	ADP
ajbmeb-1707	32	29	a	a	DET
ajbmeb-1707	32	30	way	way	NOUN
ajbmeb-1707	32	31	that	that	PRON
ajbmeb-1707	32	32	mimics	mimic	VERB
ajbmeb-1707	32	33	a	a	DET
ajbmeb-1707	32	34	human	human	NOUN
ajbmeb-1707	32	35	.	.	PUNCT
ajbmeb-1707	33	1	the	the	DET
ajbmeb-1707	33	2	developers	developer	NOUN
ajbmeb-1707	33	3	provide	provide	VERB
ajbmeb-1707	33	4	her	she	PRON
ajbmeb-1707	33	5	with	with	ADP
ajbmeb-1707	33	6	specific	specific	ADJ
ajbmeb-1707	33	7	knowledge	knowledge	NOUN
ajbmeb-1707	33	8	sources	source	NOUN
ajbmeb-1707	33	9	from	from	ADP
ajbmeb-1707	33	10	which	which	PRON
ajbmeb-1707	33	11	she	she	PRON
ajbmeb-1707	33	12	can	can	AUX
ajbmeb-1707	33	13	learn	learn	VERB
ajbmeb-1707	33	14	.	.	PUNCT
ajbmeb-1707	34	1	therefore	therefore	ADV
ajbmeb-1707	34	2	,	,	PUNCT
ajbmeb-1707	34	3	the	the	DET
ajbmeb-1707	34	4	processes	process	NOUN
ajbmeb-1707	34	5	of	of	ADP
ajbmeb-1707	34	6	linking	link	VERB
ajbmeb-1707	34	7	information	information	NOUN
ajbmeb-1707	34	8	are	be	AUX
ajbmeb-1707	34	9	successfully	successfully	ADV
ajbmeb-1707	34	10	carried	carry	VERB
ajbmeb-1707	34	11	out	out	ADP
ajbmeb-1707	34	12	through	through	ADP
ajbmeb-1707	34	13	logical	logical	ADJ
ajbmeb-1707	34	14	methods	method	NOUN
ajbmeb-1707	34	15	.	.	PUNCT
ajbmeb-1707	35	1	this	this	DET
ajbmeb-1707	35	2	technology	technology	NOUN
ajbmeb-1707	35	3	includes	include	VERB
ajbmeb-1707	35	4	several	several	ADJ
ajbmeb-1707	35	5	applications	application	NOUN
ajbmeb-1707	35	6	,	,	PUNCT
ajbmeb-1707	35	7	the	the	DET
ajbmeb-1707	35	8	most	most	ADV
ajbmeb-1707	35	9	important	important	ADJ
ajbmeb-1707	35	10	of	of	ADP
ajbmeb-1707	35	11	which	which	PRON
ajbmeb-1707	35	12	are	be	AUX
ajbmeb-1707	35	13	.	.	PUNCT
ajbmeb-1707	36	1	10	10	NUM
ajbmeb-1707	36	2	:	:	SYM
ajbmeb-1707	36	3	•	•	NUM
ajbmeb-1707	36	4	expert	expert	NOUN
ajbmeb-1707	36	5	system	system	NOUN
ajbmeb-1707	36	6	•	•	ADP
ajbmeb-1707	36	7	natural	natural	ADJ
ajbmeb-1707	36	8	language	language	NOUN
ajbmeb-1707	36	9	processing	processing	NOUN
ajbmeb-1707	36	10	nlp	nlp	NOUN
ajbmeb-1707	36	11	•	•	NOUN
ajbmeb-1707	36	12	speech	speech	NOUN
ajbmeb-1707	36	13	recognition	recognition	NOUN
ajbmeb-1707	36	14	•	•	NOUN
ajbmeb-1707	36	15	machine	machine	NOUN
ajbmeb-1707	36	16	visio	visio	NOUN
ajbmeb-1707	36	17	2.1	2.1	NUM
ajbmeb-1707	36	18	how	how	SCONJ
ajbmeb-1707	36	19	can	can	AUX
ajbmeb-1707	36	20	artificial	artificial	ADJ
ajbmeb-1707	36	21	intelligence	intelligence	NOUN
ajbmeb-1707	36	22	help	help	VERB
ajbmeb-1707	36	23	develop	develop	VERB
ajbmeb-1707	36	24	the	the	DET
ajbmeb-1707	36	25	work	work	NOUN
ajbmeb-1707	36	26	of	of	ADP
ajbmeb-1707	36	27	the	the	DET
ajbmeb-1707	36	28	financial	financial	ADJ
ajbmeb-1707	36	29	management	management	NOUN
ajbmeb-1707	36	30	department	department	NOUN
ajbmeb-1707	36	31	?	?	PUNCT
ajbmeb-1707	37	1	1	1	X
ajbmeb-1707	37	2	.	.	X
ajbmeb-1707	37	3	increase	increase	VERB
ajbmeb-1707	37	4	the	the	DET
ajbmeb-1707	37	5	accuracy	accuracy	NOUN
ajbmeb-1707	37	6	of	of	ADP
ajbmeb-1707	37	7	the	the	DET
ajbmeb-1707	37	8	results	result	NOUN
ajbmeb-1707	37	9	2	2	NUM
ajbmeb-1707	37	10	.	.	PUNCT
ajbmeb-1707	37	11	increasing	increase	VERB
ajbmeb-1707	37	12	the	the	DET
ajbmeb-1707	37	13	level	level	NOUN
ajbmeb-1707	37	14	of	of	ADP
ajbmeb-1707	37	15	efficiency	efficiency	NOUN
ajbmeb-1707	37	16	of	of	ADP
ajbmeb-1707	37	17	operations	operation	NOUN
ajbmeb-1707	37	18	3	3	NUM
ajbmeb-1707	37	19	.	.	PUNCT
ajbmeb-1707	37	20	cost	cost	NOUN
ajbmeb-1707	37	21	saving	saving	NOUN
ajbmeb-1707	37	22	mistakes	mistake	NOUN
ajbmeb-1707	37	23	that	that	PRON
ajbmeb-1707	37	24	can	can	AUX
ajbmeb-1707	37	25	be	be	AUX
ajbmeb-1707	37	26	avoided	avoid	VERB
ajbmeb-1707	37	27	using	use	VERB
ajbmeb-1707	37	28	artificial	artificial	ADJ
ajbmeb-1707	37	29	intelligence	intelligence	NOUN
ajbmeb-1707	37	30	in	in	ADP
ajbmeb-1707	37	31	financial	financial	ADJ
ajbmeb-1707	37	32	management	management	NOUN
ajbmeb-1707	37	33	artificial	artificial	ADJ
ajbmeb-1707	37	34	intelligence	intelligence	NOUN
ajbmeb-1707	37	35	protects	protect	VERB
ajbmeb-1707	37	36	your	your	PRON
ajbmeb-1707	37	37	business	business	NOUN
ajbmeb-1707	37	38	from	from	ADP
ajbmeb-1707	37	39	some	some	PRON
ajbmeb-1707	37	40	of	of	ADP
ajbmeb-1707	37	41	the	the	DET
ajbmeb-1707	37	42	human	human	ADJ
ajbmeb-1707	37	43	errors	error	NOUN
ajbmeb-1707	37	44	that	that	PRON
ajbmeb-1707	37	45	can	can	AUX
ajbmeb-1707	37	46	occur	occur	VERB
ajbmeb-1707	37	47	while	while	SCONJ
ajbmeb-1707	37	48	managing	manage	VERB
ajbmeb-1707	37	49	finances	finance	NOUN
ajbmeb-1707	37	50	.	.	PUNCT
ajbmeb-1707	38	1	the	the	DET
ajbmeb-1707	38	2	source	source	NOUN
ajbmeb-1707	38	3	of	of	ADP
ajbmeb-1707	38	4	these	these	DET
ajbmeb-1707	38	5	errors	error	NOUN
ajbmeb-1707	38	6	are	be	AUX
ajbmeb-1707	38	7	elements	element	NOUN
ajbmeb-1707	38	8	that	that	PRON
ajbmeb-1707	38	9	are	be	AUX
ajbmeb-1707	38	10	not	not	PART
ajbmeb-1707	38	11	present	present	ADJ
ajbmeb-1707	38	12	in	in	ADP
ajbmeb-1707	38	13	the	the	DET
ajbmeb-1707	38	14	machine	machine	NOUN
ajbmeb-1707	38	15	and	and	CCONJ
ajbmeb-1707	38	16	are	be	AUX
ajbmeb-1707	38	17	overpowered	overpower	VERB
ajbmeb-1707	38	18	by	by	ADP
ajbmeb-1707	38	19	humans	human	NOUN
ajbmeb-1707	38	20	.	.	PUNCT
ajbmeb-1707	39	1	they	they	PRON
ajbmeb-1707	39	2	are	be	AUX
ajbmeb-1707	39	3	as	as	SCONJ
ajbmeb-1707	39	4	follows	follow	VERB
ajbmeb-1707	39	5	:	:	PUNCT
ajbmeb-1707	39	6	.	.	PUNCT
ajbmeb-1707	40	1	11−14	11−14	NUM
ajbmeb-1707	40	2	american	american	PROPN
ajbmeb-1707	40	3	journal	journal	PROPN
ajbmeb-1707	40	4	of	of	ADP
ajbmeb-1707	40	5	business	business	NOUN
ajbmeb-1707	40	6	management	management	NOUN
ajbmeb-1707	40	7	,	,	PUNCT
ajbmeb-1707	40	8	economics	economic	NOUN
ajbmeb-1707	40	9	and	and	CCONJ
ajbmeb-1707	40	10	banking	banking	NOUN
ajbmeb-1707	40	11	volume	volume	NOUN
ajbmeb-1707	40	12	20	20	NUM
ajbmeb-1707	40	13	january	january	PROPN
ajbmeb-1707	40	14	,	,	PUNCT
ajbmeb-1707	40	15	2024	2024	NUM
ajbmeb-1707	40	16	p	p	NOUN
ajbmeb-1707	40	17	a	a	DET
ajbmeb-1707	40	18	g	g	NOUN
ajbmeb-1707	40	19	e	e	NOUN
ajbmeb-1707	40	20	|	|	ADV
ajbmeb-1707	40	21	14	14	NUM
ajbmeb-1707	40	22	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1707	40	23	1entering	1entering	NUM
ajbmeb-1707	40	24	inaccurate	inaccurate	ADJ
ajbmeb-1707	40	25	data	datum	NOUN
ajbmeb-1707	40	26	:	:	PUNCT
ajbmeb-1707	40	27	as	as	ADP
ajbmeb-1707	40	28	a	a	DET
ajbmeb-1707	40	29	result	result	NOUN
ajbmeb-1707	40	30	of	of	ADP
ajbmeb-1707	40	31	the	the	DET
ajbmeb-1707	40	32	employee	employee	NOUN
ajbmeb-1707	40	33	's	's	PART
ajbmeb-1707	40	34	distraction	distraction	NOUN
ajbmeb-1707	40	35	or	or	CCONJ
ajbmeb-1707	40	36	lack	lack	NOUN
ajbmeb-1707	40	37	of	of	ADP
ajbmeb-1707	40	38	concentration	concentration	NOUN
ajbmeb-1707	40	39	,	,	PUNCT
ajbmeb-1707	40	40	he	he	PRON
ajbmeb-1707	40	41	may	may	AUX
ajbmeb-1707	40	42	make	make	VERB
ajbmeb-1707	40	43	mistakes	mistake	NOUN
ajbmeb-1707	40	44	while	while	SCONJ
ajbmeb-1707	40	45	working	work	VERB
ajbmeb-1707	40	46	and	and	CCONJ
ajbmeb-1707	40	47	enter	enter	VERB
ajbmeb-1707	40	48	incorrect	incorrect	ADJ
ajbmeb-1707	40	49	data	datum	NOUN
ajbmeb-1707	40	50	.	.	PUNCT
ajbmeb-1707	41	1	this	this	DET
ajbmeb-1707	41	2	error	error	NOUN
ajbmeb-1707	41	3	may	may	AUX
ajbmeb-1707	41	4	eventually	eventually	ADV
ajbmeb-1707	41	5	appear	appear	VERB
ajbmeb-1707	41	6	in	in	ADP
ajbmeb-1707	41	7	financial	financial	ADJ
ajbmeb-1707	41	8	settlements	settlement	NOUN
ajbmeb-1707	41	9	.	.	PUNCT
ajbmeb-1707	42	1	artificial	artificial	ADJ
ajbmeb-1707	42	2	intelligence	intelligence	NOUN
ajbmeb-1707	42	3	prevents	prevent	VERB
ajbmeb-1707	42	4	it	it	PRON
ajbmeb-1707	42	5	from	from	ADP
ajbmeb-1707	42	6	happening	happen	VERB
ajbmeb-1707	42	7	from	from	ADP
ajbmeb-1707	42	8	the	the	DET
ajbmeb-1707	42	9	beginning	beginning	NOUN
ajbmeb-1707	42	10	,	,	PUNCT
ajbmeb-1707	42	11	because	because	SCONJ
ajbmeb-1707	42	12	it	it	PRON
ajbmeb-1707	42	13	makes	make	VERB
ajbmeb-1707	42	14	data	datum	NOUN
ajbmeb-1707	42	15	entry	entry	NOUN
ajbmeb-1707	42	16	automatic	automatic	ADJ
ajbmeb-1707	42	17	without	without	ADP
ajbmeb-1707	42	18	the	the	DET
ajbmeb-1707	42	19	need	need	NOUN
ajbmeb-1707	42	20	for	for	ADP
ajbmeb-1707	42	21	human	human	ADJ
ajbmeb-1707	42	22	intervention	intervention	NOUN
ajbmeb-1707	42	23	.	.	PUNCT
ajbmeb-1707	43	1	2performing	2performing	NUM
ajbmeb-1707	43	2	incorrect	incorrect	ADJ
ajbmeb-1707	43	3	calculations	calculation	NOUN
ajbmeb-1707	43	4	:	:	PUNCT
ajbmeb-1707	43	5	this	this	DET
ajbmeb-1707	43	6	error	error	NOUN
ajbmeb-1707	43	7	may	may	AUX
ajbmeb-1707	43	8	be	be	AUX
ajbmeb-1707	43	9	a	a	DET
ajbmeb-1707	43	10	result	result	NOUN
ajbmeb-1707	43	11	of	of	ADP
ajbmeb-1707	43	12	the	the	DET
ajbmeb-1707	43	13	previous	previous	ADJ
ajbmeb-1707	43	14	error	error	NOUN
ajbmeb-1707	43	15	.	.	PUNCT
ajbmeb-1707	44	1	whether	whether	SCONJ
ajbmeb-1707	44	2	you	you	PRON
ajbmeb-1707	44	3	are	be	AUX
ajbmeb-1707	44	4	using	use	VERB
ajbmeb-1707	44	5	an	an	DET
ajbmeb-1707	44	6	excel	excel	NOUN
ajbmeb-1707	44	7	spreadsheet	spreadsheet	NOUN
ajbmeb-1707	44	8	or	or	CCONJ
ajbmeb-1707	44	9	a	a	DET
ajbmeb-1707	44	10	software	software	NOUN
ajbmeb-1707	44	11	system	system	NOUN
ajbmeb-1707	44	12	,	,	PUNCT
ajbmeb-1707	44	13	entering	enter	VERB
ajbmeb-1707	44	14	inaccurate	inaccurate	ADJ
ajbmeb-1707	44	15	data	datum	NOUN
ajbmeb-1707	44	16	will	will	AUX
ajbmeb-1707	44	17	eventually	eventually	ADV
ajbmeb-1707	44	18	lead	lead	VERB
ajbmeb-1707	44	19	to	to	ADP
ajbmeb-1707	44	20	incorrect	incorrect	ADJ
ajbmeb-1707	44	21	calculations	calculation	NOUN
ajbmeb-1707	44	22	.	.	PUNCT
ajbmeb-1707	45	1	the	the	DET
ajbmeb-1707	45	2	user	user	NOUN
ajbmeb-1707	45	3	can	can	AUX
ajbmeb-1707	45	4	also	also	ADV
ajbmeb-1707	45	5	apply	apply	VERB
ajbmeb-1707	45	6	incorrect	incorrect	ADJ
ajbmeb-1707	45	7	mathematical	mathematical	ADJ
ajbmeb-1707	45	8	principles	principle	NOUN
ajbmeb-1707	45	9	that	that	PRON
ajbmeb-1707	45	10	lead	lead	VERB
ajbmeb-1707	45	11	to	to	ADP
ajbmeb-1707	45	12	the	the	DET
ajbmeb-1707	45	13	same	same	ADJ
ajbmeb-1707	45	14	results	result	NOUN
ajbmeb-1707	45	15	.	.	PUNCT
ajbmeb-1707	46	1	if	if	SCONJ
ajbmeb-1707	46	2	artificial	artificial	ADJ
ajbmeb-1707	46	3	intelligence	intelligence	NOUN
ajbmeb-1707	46	4	is	be	AUX
ajbmeb-1707	46	5	used	use	VERB
ajbmeb-1707	46	6	,	,	PUNCT
ajbmeb-1707	46	7	it	it	PRON
ajbmeb-1707	46	8	ensures	ensure	VERB
ajbmeb-1707	46	9	that	that	SCONJ
ajbmeb-1707	46	10	the	the	DET
ajbmeb-1707	46	11	data	datum	NOUN
ajbmeb-1707	46	12	and	and	CCONJ
ajbmeb-1707	46	13	calculations	calculation	NOUN
ajbmeb-1707	46	14	for	for	ADP
ajbmeb-1707	46	15	each	each	DET
ajbmeb-1707	46	16	process	process	NOUN
ajbmeb-1707	46	17	are	be	AUX
ajbmeb-1707	46	18	correct	correct	ADJ
ajbmeb-1707	46	19	to	to	PART
ajbmeb-1707	46	20	prevent	prevent	VERB
ajbmeb-1707	46	21	errors	error	NOUN
ajbmeb-1707	46	22	.	.	PUNCT
ajbmeb-1707	47	1	3exaggerating	3exaggerating	NUM
ajbmeb-1707	47	2	or	or	CCONJ
ajbmeb-1707	47	3	minimizing	minimize	VERB
ajbmeb-1707	47	4	financial	financial	ADJ
ajbmeb-1707	47	5	risks	risk	NOUN
ajbmeb-1707	47	6	:	:	PUNCT
ajbmeb-1707	47	7	a	a	DET
ajbmeb-1707	47	8	person	person	NOUN
ajbmeb-1707	47	9	is	be	AUX
ajbmeb-1707	47	10	afflicted	afflict	VERB
ajbmeb-1707	47	11	with	with	ADP
ajbmeb-1707	47	12	bias	bias	NOUN
ajbmeb-1707	47	13	in	in	ADP
ajbmeb-1707	47	14	many	many	ADJ
ajbmeb-1707	47	15	situations	situation	NOUN
ajbmeb-1707	47	16	,	,	PUNCT
ajbmeb-1707	47	17	which	which	PRON
ajbmeb-1707	47	18	sometimes	sometimes	ADV
ajbmeb-1707	47	19	affects	affect	VERB
ajbmeb-1707	47	20	his	his	PRON
ajbmeb-1707	47	21	work	work	NOUN
ajbmeb-1707	47	22	.	.	PUNCT
ajbmeb-1707	48	1	it	it	PRON
ajbmeb-1707	48	2	supports	support	VERB
ajbmeb-1707	48	3	one	one	NUM
ajbmeb-1707	48	4	idea	idea	NOUN
ajbmeb-1707	48	5	at	at	ADP
ajbmeb-1707	48	6	the	the	DET
ajbmeb-1707	48	7	expense	expense	NOUN
ajbmeb-1707	48	8	of	of	ADP
ajbmeb-1707	48	9	another	another	PRON
ajbmeb-1707	48	10	.	.	PUNCT
ajbmeb-1707	49	1	this	this	PRON
ajbmeb-1707	49	2	is	be	AUX
ajbmeb-1707	49	3	what	what	PRON
ajbmeb-1707	49	4	a	a	DET
ajbmeb-1707	49	5	financial	financial	ADJ
ajbmeb-1707	49	6	analyst	analyst	NOUN
ajbmeb-1707	49	7	might	might	AUX
ajbmeb-1707	49	8	fall	fall	VERB
ajbmeb-1707	49	9	into	into	ADP
ajbmeb-1707	49	10	.	.	PUNCT
ajbmeb-1707	50	1	although	although	SCONJ
ajbmeb-1707	50	2	his	his	PRON
ajbmeb-1707	50	3	job	job	NOUN
ajbmeb-1707	50	4	depends	depend	VERB
ajbmeb-1707	50	5	on	on	ADP
ajbmeb-1707	50	6	facts	fact	NOUN
ajbmeb-1707	50	7	and	and	CCONJ
ajbmeb-1707	50	8	what	what	PRON
ajbmeb-1707	50	9	the	the	DET
ajbmeb-1707	50	10	numbers	number	NOUN
ajbmeb-1707	50	11	indicate	indicate	VERB
ajbmeb-1707	50	12	,	,	PUNCT
ajbmeb-1707	50	13	he	he	PRON
ajbmeb-1707	50	14	may	may	AUX
ajbmeb-1707	50	15	be	be	AUX
ajbmeb-1707	50	16	affected	affect	VERB
ajbmeb-1707	50	17	by	by	ADP
ajbmeb-1707	50	18	external	external	ADJ
ajbmeb-1707	50	19	factors	factor	NOUN
ajbmeb-1707	50	20	or	or	CCONJ
ajbmeb-1707	50	21	personal	personal	ADJ
ajbmeb-1707	50	22	convictions	conviction	NOUN
ajbmeb-1707	50	23	.	.	PUNCT
ajbmeb-1707	51	1	for	for	ADP
ajbmeb-1707	51	2	artificial	artificial	ADJ
ajbmeb-1707	51	3	intelligence	intelligence	NOUN
ajbmeb-1707	51	4	,	,	PUNCT
ajbmeb-1707	51	5	the	the	DET
ajbmeb-1707	51	6	situation	situation	NOUN
ajbmeb-1707	51	7	is	be	AUX
ajbmeb-1707	51	8	different	different	ADJ
ajbmeb-1707	51	9	,	,	PUNCT
ajbmeb-1707	51	10	it	it	PRON
ajbmeb-1707	51	11	analyzes	analyze	VERB
ajbmeb-1707	51	12	data	datum	NOUN
ajbmeb-1707	51	13	objectively	objectively	ADV
ajbmeb-1707	51	14	because	because	SCONJ
ajbmeb-1707	51	15	it	it	PRON
ajbmeb-1707	51	16	is	be	AUX
ajbmeb-1707	51	17	a	a	DET
ajbmeb-1707	51	18	machine	machine	NOUN
ajbmeb-1707	51	19	without	without	ADP
ajbmeb-1707	51	20	whims	whim	NOUN
ajbmeb-1707	51	21	.	.	PUNCT
ajbmeb-1707	52	1	2.2	2.2	NUM
ajbmeb-1707	52	2	the	the	DET
ajbmeb-1707	52	3	most	most	ADV
ajbmeb-1707	52	4	prominent	prominent	ADJ
ajbmeb-1707	52	5	companies	company	NOUN
ajbmeb-1707	52	6	that	that	PRON
ajbmeb-1707	52	7	have	have	AUX
ajbmeb-1707	52	8	applied	apply	VERB
ajbmeb-1707	52	9	artificial	artificial	ADJ
ajbmeb-1707	52	10	intelligence	intelligence	NOUN
ajbmeb-1707	52	11	in	in	ADP
ajbmeb-1707	52	12	financial	financial	ADJ
ajbmeb-1707	52	13	management	management	NOUN
ajbmeb-1707	52	14	several	several	ADJ
ajbmeb-1707	52	15	companies	company	NOUN
ajbmeb-1707	52	16	have	have	AUX
ajbmeb-1707	52	17	applied	apply	VERB
ajbmeb-1707	52	18	artificial	artificial	ADJ
ajbmeb-1707	52	19	intelligence	intelligence	NOUN
ajbmeb-1707	52	20	in	in	ADP
ajbmeb-1707	52	21	financial	financial	ADJ
ajbmeb-1707	52	22	management	management	NOUN
ajbmeb-1707	52	23	,	,	PUNCT
ajbmeb-1707	52	24	including	include	VERB
ajbmeb-1707	52	25	those	those	PRON
ajbmeb-1707	52	26	working	work	VERB
ajbmeb-1707	52	27	in	in	ADP
ajbmeb-1707	52	28	the	the	DET
ajbmeb-1707	52	29	field	field	NOUN
ajbmeb-1707	52	30	of	of	ADP
ajbmeb-1707	52	31	financial	financial	ADJ
ajbmeb-1707	52	32	services	service	NOUN
ajbmeb-1707	52	33	.	.	PUNCT
ajbmeb-1707	53	1	the	the	DET
ajbmeb-1707	53	2	most	most	ADV
ajbmeb-1707	53	3	prominent	prominent	ADJ
ajbmeb-1707	53	4	of	of	ADP
ajbmeb-1707	53	5	these	these	DET
ajbmeb-1707	53	6	companies	company	NOUN
ajbmeb-1707	53	7	are	be	AUX
ajbmeb-1707	53	8	:	:	PUNCT
ajbmeb-1707	53	9	.	.	PUNCT
ajbmeb-1707	54	1	15	15	NUM
ajbmeb-1707	54	2	1paypal	1paypal	NUM
ajbmeb-1707	54	3	:	:	PUNCT
ajbmeb-1707	54	4	supports	support	VERB
ajbmeb-1707	54	5	digital	digital	ADJ
ajbmeb-1707	54	6	transfers	transfer	NOUN
ajbmeb-1707	54	7	of	of	ADP
ajbmeb-1707	54	8	payments	payment	NOUN
ajbmeb-1707	54	9	.	.	PUNCT
ajbmeb-1707	55	1	every	every	DET
ajbmeb-1707	55	2	money	money	NOUN
ajbmeb-1707	55	3	transfer	transfer	NOUN
ajbmeb-1707	55	4	has	have	VERB
ajbmeb-1707	55	5	the	the	DET
ajbmeb-1707	55	6	potential	potential	NOUN
ajbmeb-1707	55	7	to	to	PART
ajbmeb-1707	55	8	be	be	AUX
ajbmeb-1707	55	9	a	a	DET
ajbmeb-1707	55	10	scam	scam	NOUN
ajbmeb-1707	55	11	.	.	PUNCT
ajbmeb-1707	56	1	so	so	ADV
ajbmeb-1707	56	2	,	,	PUNCT
ajbmeb-1707	56	3	paypal	paypal	PROPN
ajbmeb-1707	56	4	uses	use	VERB
ajbmeb-1707	56	5	smart	smart	ADJ
ajbmeb-1707	56	6	tools	tool	NOUN
ajbmeb-1707	56	7	to	to	PART
ajbmeb-1707	56	8	detect	detect	VERB
ajbmeb-1707	56	9	fraud	fraud	NOUN
ajbmeb-1707	56	10	attempts	attempt	NOUN
ajbmeb-1707	56	11	early	early	ADV
ajbmeb-1707	56	12	without	without	ADP
ajbmeb-1707	56	13	losses	loss	NOUN
ajbmeb-1707	56	14	.	.	PUNCT
ajbmeb-1707	57	1	by	by	ADP
ajbmeb-1707	57	2	monitoring	monitor	VERB
ajbmeb-1707	57	3	user	user	NOUN
ajbmeb-1707	57	4	behaviors	behavior	NOUN
ajbmeb-1707	57	5	,	,	PUNCT
ajbmeb-1707	57	6	activities	activity	NOUN
ajbmeb-1707	57	7	that	that	PRON
ajbmeb-1707	57	8	fall	fall	VERB
ajbmeb-1707	57	9	within	within	ADP
ajbmeb-1707	57	10	suspicious	suspicious	ADJ
ajbmeb-1707	57	11	patterns	pattern	NOUN
ajbmeb-1707	57	12	can	can	AUX
ajbmeb-1707	57	13	easily	easily	ADV
ajbmeb-1707	57	14	be	be	AUX
ajbmeb-1707	57	15	identified	identify	VERB
ajbmeb-1707	57	16	.	.	PUNCT
ajbmeb-1707	58	1	paypal	paypal	PROPN
ajbmeb-1707	58	2	also	also	ADV
ajbmeb-1707	58	3	uses	use	VERB
ajbmeb-1707	58	4	machine	machine	NOUN
ajbmeb-1707	58	5	learning	learn	VERB
ajbmeb-1707	58	6	techniques	technique	NOUN
ajbmeb-1707	58	7	to	to	PART
ajbmeb-1707	58	8	improve	improve	VERB
ajbmeb-1707	58	9	acceptance	acceptance	NOUN
ajbmeb-1707	58	10	rates	rate	NOUN
ajbmeb-1707	58	11	for	for	ADP
ajbmeb-1707	58	12	valid	valid	ADJ
ajbmeb-1707	58	13	transactions	transaction	NOUN
ajbmeb-1707	58	14	.	.	PUNCT
ajbmeb-1707	59	1	2american	2american	NUM
ajbmeb-1707	59	2	express	express	VERB
ajbmeb-1707	59	3	:	:	PUNCT
ajbmeb-1707	59	4	as	as	ADP
ajbmeb-1707	59	5	a	a	DET
ajbmeb-1707	59	6	global	global	ADJ
ajbmeb-1707	59	7	financial	financial	ADJ
ajbmeb-1707	59	8	services	service	NOUN
ajbmeb-1707	59	9	company	company	NOUN
ajbmeb-1707	59	10	and	and	CCONJ
ajbmeb-1707	59	11	credit	credit	NOUN
ajbmeb-1707	59	12	card	card	NOUN
ajbmeb-1707	59	13	issuer	issuer	NOUN
ajbmeb-1707	59	14	,	,	PUNCT
ajbmeb-1707	59	15	american	american	PROPN
ajbmeb-1707	59	16	express	express	PROPN
ajbmeb-1707	59	17	has	have	AUX
ajbmeb-1707	59	18	implemented	implement	VERB
ajbmeb-1707	59	19	intelligent	intelligent	ADJ
ajbmeb-1707	59	20	applications	application	NOUN
ajbmeb-1707	59	21	that	that	PRON
ajbmeb-1707	59	22	detect	detect	VERB
ajbmeb-1707	59	23	fraud	fraud	NOUN
ajbmeb-1707	59	24	attempts	attempt	NOUN
ajbmeb-1707	59	25	and	and	CCONJ
ajbmeb-1707	59	26	automate	automate	ADJ
ajbmeb-1707	59	27	customer	customer	NOUN
ajbmeb-1707	59	28	service	service	NOUN
ajbmeb-1707	59	29	.	.	PUNCT
ajbmeb-1707	60	1	as	as	ADP
ajbmeb-1707	60	2	for	for	ADP
ajbmeb-1707	60	3	customer	customer	NOUN
ajbmeb-1707	60	4	service	service	NOUN
ajbmeb-1707	60	5	,	,	PUNCT
ajbmeb-1707	60	6	it	it	PRON
ajbmeb-1707	60	7	provided	provide	VERB
ajbmeb-1707	60	8	an	an	DET
ajbmeb-1707	60	9	automated	automate	VERB
ajbmeb-1707	60	10	chat	chat	NOUN
ajbmeb-1707	60	11	with	with	ADP
ajbmeb-1707	60	12	which	which	PRON
ajbmeb-1707	60	13	the	the	DET
ajbmeb-1707	60	14	customer	customer	NOUN
ajbmeb-1707	60	15	can	can	AUX
ajbmeb-1707	60	16	engage	engage	VERB
ajbmeb-1707	60	17	in	in	ADP
ajbmeb-1707	60	18	a	a	DET
ajbmeb-1707	60	19	conversation	conversation	NOUN
ajbmeb-1707	60	20	and	and	CCONJ
ajbmeb-1707	60	21	obtain	obtain	VERB
ajbmeb-1707	60	22	comprehensive	comprehensive	ADJ
ajbmeb-1707	60	23	responses	response	NOUN
ajbmeb-1707	60	24	to	to	ADP
ajbmeb-1707	60	25	his	his	PRON
ajbmeb-1707	60	26	inquiries	inquiry	NOUN
ajbmeb-1707	60	27	.	.	PUNCT
ajbmeb-1707	61	1	it	it	PRON
ajbmeb-1707	61	2	also	also	ADV
ajbmeb-1707	61	3	converts	convert	VERB
ajbmeb-1707	61	4	the	the	DET
ajbmeb-1707	61	5	voice	voice	NOUN
ajbmeb-1707	61	6	conversation	conversation	NOUN
ajbmeb-1707	61	7	into	into	ADP
ajbmeb-1707	61	8	texts	text	NOUN
ajbmeb-1707	61	9	that	that	SCONJ
ajbmeb-1707	61	10	the	the	DET
ajbmeb-1707	61	11	machine	machine	NOUN
ajbmeb-1707	61	12	can	can	AUX
ajbmeb-1707	61	13	understand	understand	VERB
ajbmeb-1707	61	14	and	and	CCONJ
ajbmeb-1707	61	15	fulfills	fulfill	VERB
ajbmeb-1707	61	16	the	the	DET
ajbmeb-1707	61	17	customer	customer	NOUN
ajbmeb-1707	61	18	’s	’s	PART
ajbmeb-1707	61	19	request	request	NOUN
ajbmeb-1707	61	20	immediately	immediately	ADV
ajbmeb-1707	61	21	.	.	PUNCT
ajbmeb-1707	62	1	3mastercard	3mastercard	NUM
ajbmeb-1707	62	2	:	:	PUNCT
ajbmeb-1707	62	3	mastercard	mastercard	PROPN
ajbmeb-1707	62	4	has	have	AUX
ajbmeb-1707	62	5	achieved	achieve	VERB
ajbmeb-1707	62	6	an	an	DET
ajbmeb-1707	62	7	amazing	amazing	ADJ
ajbmeb-1707	62	8	feat	feat	NOUN
ajbmeb-1707	62	9	using	use	VERB
ajbmeb-1707	62	10	artificial	artificial	ADJ
ajbmeb-1707	62	11	intelligence	intelligence	NOUN
ajbmeb-1707	62	12	.	.	PUNCT
ajbmeb-1707	63	1	by	by	ADP
ajbmeb-1707	63	2	keeping	keep	VERB
ajbmeb-1707	63	3	personal	personal	ADJ
ajbmeb-1707	63	4	files	file	NOUN
ajbmeb-1707	63	5	of	of	ADP
ajbmeb-1707	63	6	its	its	PRON
ajbmeb-1707	63	7	customers	customer	NOUN
ajbmeb-1707	63	8	and	and	CCONJ
ajbmeb-1707	63	9	their	their	PRON
ajbmeb-1707	63	10	activities	activity	NOUN
ajbmeb-1707	63	11	,	,	PUNCT
ajbmeb-1707	63	12	with	with	ADP
ajbmeb-1707	63	13	the	the	DET
ajbmeb-1707	63	14	help	help	NOUN
ajbmeb-1707	63	15	of	of	ADP
ajbmeb-1707	63	16	the	the	DET
ajbmeb-1707	63	17	machine	machine	NOUN
ajbmeb-1707	63	18	,	,	PUNCT
ajbmeb-1707	63	19	it	it	PRON
ajbmeb-1707	63	20	has	have	AUX
ajbmeb-1707	63	21	become	become	VERB
ajbmeb-1707	63	22	easy	easy	ADJ
ajbmeb-1707	63	23	to	to	PART
ajbmeb-1707	63	24	notice	notice	VERB
ajbmeb-1707	63	25	any	any	DET
ajbmeb-1707	63	26	differences	difference	NOUN
ajbmeb-1707	63	27	in	in	ADP
ajbmeb-1707	63	28	the	the	DET
ajbmeb-1707	63	29	activities	activity	NOUN
ajbmeb-1707	63	30	of	of	ADP
ajbmeb-1707	63	31	individuals	individual	NOUN
ajbmeb-1707	63	32	and	and	CCONJ
ajbmeb-1707	63	33	identify	identify	VERB
ajbmeb-1707	63	34	suspicious	suspicious	ADJ
ajbmeb-1707	63	35	ones	one	NOUN
ajbmeb-1707	63	36	.	.	PUNCT
ajbmeb-1707	64	1	it	it	PRON
ajbmeb-1707	64	2	follows	follow	VERB
ajbmeb-1707	64	3	patterns	pattern	NOUN
ajbmeb-1707	64	4	in	in	ADP
ajbmeb-1707	64	5	real	real	ADJ
ajbmeb-1707	64	6	time	time	NOUN
ajbmeb-1707	64	7	and	and	CCONJ
ajbmeb-1707	64	8	determines	determine	NOUN
ajbmeb-1707	64	9	which	which	DET
ajbmeb-1707	64	10	ones	one	NOUN
ajbmeb-1707	64	11	are	be	AUX
ajbmeb-1707	64	12	safe	safe	ADJ
ajbmeb-1707	64	13	through	through	ADP
ajbmeb-1707	64	14	its	its	PRON
ajbmeb-1707	64	15	readings	reading	NOUN
ajbmeb-1707	64	16	of	of	ADP
ajbmeb-1707	64	17	the	the	DET
ajbmeb-1707	64	18	customer	customer	NOUN
ajbmeb-1707	64	19	’s	’s	PART
ajbmeb-1707	64	20	previous	previous	ADJ
ajbmeb-1707	64	21	transactions	transaction	NOUN
ajbmeb-1707	64	22	and	and	CCONJ
ajbmeb-1707	64	23	data	datum	NOUN
ajbmeb-1707	64	24	,	,	PUNCT
ajbmeb-1707	64	25	such	such	ADJ
ajbmeb-1707	64	26	as	as	ADP
ajbmeb-1707	64	27	geographical	geographical	ADJ
ajbmeb-1707	64	28	location	location	NOUN
ajbmeb-1707	64	29	,	,	PUNCT
ajbmeb-1707	64	30	timing	timing	NOUN
ajbmeb-1707	64	31	of	of	ADP
ajbmeb-1707	64	32	the	the	DET
ajbmeb-1707	64	33	last	last	ADJ
ajbmeb-1707	64	34	transaction	transaction	NOUN
ajbmeb-1707	64	35	,	,	PUNCT
ajbmeb-1707	64	36	etc	etc	X
ajbmeb-1707	64	37	.	.	PUNCT
ajbmeb-1707	65	1	can	can	AUX
ajbmeb-1707	65	2	a	a	DET
ajbmeb-1707	65	3	machine	machine	NOUN
ajbmeb-1707	65	4	take	take	VERB
ajbmeb-1707	65	5	the	the	DET
ajbmeb-1707	65	6	place	place	NOUN
ajbmeb-1707	65	7	of	of	ADP
ajbmeb-1707	65	8	a	a	DET
ajbmeb-1707	65	9	human	human	NOUN
ajbmeb-1707	65	10	to	to	PART
ajbmeb-1707	65	11	manage	manage	VERB
ajbmeb-1707	65	12	financial	financial	ADJ
ajbmeb-1707	65	13	operations	operation	NOUN
ajbmeb-1707	65	14	100	100	NUM
ajbmeb-1707	65	15	%	%	NOUN
ajbmeb-1707	65	16	?	?	PUNCT
ajbmeb-1707	66	1	what	what	DET
ajbmeb-1707	66	2	reality	reality	NOUN
ajbmeb-1707	66	3	tells	tell	VERB
ajbmeb-1707	66	4	us	we	PRON
ajbmeb-1707	66	5	is	be	AUX
ajbmeb-1707	66	6	that	that	SCONJ
ajbmeb-1707	66	7	it	it	PRON
ajbmeb-1707	66	8	is	be	AUX
ajbmeb-1707	66	9	definitely	definitely	ADV
ajbmeb-1707	66	10	not	not	PART
ajbmeb-1707	66	11	,	,	PUNCT
ajbmeb-1707	66	12	but	but	CCONJ
ajbmeb-1707	66	13	there	there	PRON
ajbmeb-1707	66	14	are	be	VERB
ajbmeb-1707	66	15	always	always	ADV
ajbmeb-1707	66	16	technological	technological	ADJ
ajbmeb-1707	66	17	leaps	leap	NOUN
ajbmeb-1707	66	18	that	that	PRON
ajbmeb-1707	66	19	bring	bring	VERB
ajbmeb-1707	66	20	about	about	ADP
ajbmeb-1707	66	21	changes	change	NOUN
ajbmeb-1707	66	22	that	that	PRON
ajbmeb-1707	66	23	affect	affect	VERB
ajbmeb-1707	66	24	the	the	DET
ajbmeb-1707	66	25	future	future	NOUN
ajbmeb-1707	66	26	.	.	PUNCT
ajbmeb-1707	67	1	2.3	2.3	NUM
ajbmeb-1707	67	2	artificial	artificial	ADJ
ajbmeb-1707	67	3	intelligence	intelligence	NOUN
ajbmeb-1707	67	4	technology	technology	NOUN
ajbmeb-1707	67	5	in	in	ADP
ajbmeb-1707	67	6	the	the	DET
ajbmeb-1707	67	7	field	field	NOUN
ajbmeb-1707	67	8	of	of	ADP
ajbmeb-1707	67	9	banking	banking	NOUN
ajbmeb-1707	67	10	contributes	contribute	VERB
ajbmeb-1707	67	11	to	to	ADP
ajbmeb-1707	67	12	several	several	ADJ
ajbmeb-1707	67	13	things	thing	NOUN
ajbmeb-1707	67	14	,	,	PUNCT
ajbmeb-1707	67	15	the	the	DET
ajbmeb-1707	67	16	most	most	ADV
ajbmeb-1707	67	17	important	important	ADJ
ajbmeb-1707	67	18	of	of	ADP
ajbmeb-1707	67	19	which	which	PRON
ajbmeb-1707	67	20	are	be	AUX
ajbmeb-1707	67	21	:	:	PUNCT
ajbmeb-1707	67	22	.	.	PUNCT
ajbmeb-1707	68	1	16−18	16−18	NOUN
ajbmeb-1707	68	2	1managing	1managing	NUM
ajbmeb-1707	68	3	credit	credit	NOUN
ajbmeb-1707	68	4	card	card	NOUN
ajbmeb-1707	68	5	accounts	account	NOUN
ajbmeb-1707	68	6	:	:	PUNCT
ajbmeb-1707	68	7	providing	provide	VERB
ajbmeb-1707	68	8	advice	advice	NOUN
ajbmeb-1707	68	9	to	to	PART
ajbmeb-1707	68	10	reject	reject	VERB
ajbmeb-1707	68	11	or	or	CCONJ
ajbmeb-1707	68	12	cancel	cancel	VERB
ajbmeb-1707	68	13	the	the	DET
ajbmeb-1707	68	14	cardholder	cardholder	NOUN
ajbmeb-1707	68	15	’s	’s	PART
ajbmeb-1707	68	16	credit	credit	NOUN
ajbmeb-1707	68	17	application	application	NOUN
ajbmeb-1707	68	18	,	,	PUNCT
ajbmeb-1707	68	19	evaluating	evaluate	VERB
ajbmeb-1707	68	20	applications	application	NOUN
ajbmeb-1707	68	21	to	to	PART
ajbmeb-1707	68	22	estimate	estimate	VERB
ajbmeb-1707	68	23	the	the	DET
ajbmeb-1707	68	24	applicant	applicant	NOUN
ajbmeb-1707	68	25	’s	’s	PART
ajbmeb-1707	68	26	eligibility	eligibility	NOUN
ajbmeb-1707	68	27	for	for	ADP
ajbmeb-1707	68	28	a	a	DET
ajbmeb-1707	68	29	credit	credit	NOUN
ajbmeb-1707	68	30	card	card	NOUN
ajbmeb-1707	68	31	.	.	PUNCT
ajbmeb-1707	69	1	2anti	2anti	NUM
ajbmeb-1707	69	2	-	-	ADJ
ajbmeb-1707	69	3	money	money	NOUN
ajbmeb-1707	69	4	laundering	laundering	NOUN
ajbmeb-1707	69	5	:	:	PUNCT
ajbmeb-1707	69	6	adopting	adopt	VERB
ajbmeb-1707	69	7	artificial	artificial	ADJ
ajbmeb-1707	69	8	intelligence	intelligence	NOUN
ajbmeb-1707	69	9	systems	system	NOUN
ajbmeb-1707	69	10	that	that	PRON
ajbmeb-1707	69	11	stop	stop	VERB
ajbmeb-1707	69	12	steps	step	NOUN
ajbmeb-1707	69	13	that	that	PRON
ajbmeb-1707	69	14	make	make	VERB
ajbmeb-1707	69	15	money	money	NOUN
ajbmeb-1707	69	16	that	that	PRON
ajbmeb-1707	69	17	comes	come	VERB
ajbmeb-1707	69	18	from	from	ADP
ajbmeb-1707	69	19	illegal	illegal	ADJ
ajbmeb-1707	69	20	or	or	CCONJ
ajbmeb-1707	69	21	unethical	unethical	ADJ
ajbmeb-1707	69	22	sources	source	NOUN
ajbmeb-1707	69	23	appear	appear	VERB
ajbmeb-1707	69	24	to	to	PART
ajbmeb-1707	69	25	be	be	AUX
ajbmeb-1707	69	26	earned	earn	VERB
ajbmeb-1707	69	27	illegally	illegally	ADV
ajbmeb-1707	69	28	;	;	PUNCT
ajbmeb-1707	69	29	by	by	ADP
ajbmeb-1707	69	30	adopting	adopt	VERB
ajbmeb-1707	69	31	more	more	ADJ
ajbmeb-1707	69	32	american	american	ADJ
ajbmeb-1707	69	33	journal	journal	PROPN
ajbmeb-1707	69	34	of	of	ADP
ajbmeb-1707	69	35	business	business	NOUN
ajbmeb-1707	69	36	management	management	NOUN
ajbmeb-1707	69	37	,	,	PUNCT
ajbmeb-1707	69	38	economics	economic	NOUN
ajbmeb-1707	69	39	and	and	CCONJ
ajbmeb-1707	69	40	banking	banking	NOUN
ajbmeb-1707	69	41	volume	volume	NOUN
ajbmeb-1707	69	42	20	20	NUM
ajbmeb-1707	69	43	january	january	PROPN
ajbmeb-1707	69	44	,	,	PUNCT
ajbmeb-1707	69	45	2024	2024	NUM
ajbmeb-1707	69	46	p	p	NOUN
ajbmeb-1707	69	47	a	a	DET
ajbmeb-1707	69	48	g	g	NOUN
ajbmeb-1707	69	49	e	e	NOUN
ajbmeb-1707	69	50	|	|	ADV
ajbmeb-1707	69	51	15	15	NUM
ajbmeb-1707	69	52	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	69	53	flexible	flexible	ADJ
ajbmeb-1707	69	54	,	,	PUNCT
ajbmeb-1707	69	55	accurate	accurate	ADJ
ajbmeb-1707	69	56	and	and	CCONJ
ajbmeb-1707	69	57	fast	fast	ADJ
ajbmeb-1707	69	58	systems	system	NOUN
ajbmeb-1707	69	59	with	with	ADP
ajbmeb-1707	69	60	continuous	continuous	ADJ
ajbmeb-1707	69	61	innovations	innovation	NOUN
ajbmeb-1707	69	62	and	and	CCONJ
ajbmeb-1707	69	63	improvements	improvement	NOUN
ajbmeb-1707	69	64	in	in	ADP
ajbmeb-1707	69	65	the	the	DET
ajbmeb-1707	69	66	field	field	NOUN
ajbmeb-1707	69	67	of	of	ADP
ajbmeb-1707	69	68	artificial	artificial	ADJ
ajbmeb-1707	69	69	intelligence	intelligence	NOUN
ajbmeb-1707	69	70	.	.	PUNCT
ajbmeb-1707	70	1	3	3	NUM
ajbmeb-1707	70	2	chat	chat	VERB
ajbmeb-1707	70	3	bots	bot	NOUN
ajbmeb-1707	70	4	that	that	PRON
ajbmeb-1707	70	5	act	act	VERB
ajbmeb-1707	70	6	as	as	ADP
ajbmeb-1707	70	7	a	a	DET
ajbmeb-1707	70	8	customer	customer	NOUN
ajbmeb-1707	70	9	service	service	NOUN
ajbmeb-1707	70	10	agent	agent	NOUN
ajbmeb-1707	70	11	;	;	PUNCT
ajbmeb-1707	70	12	it	it	PRON
ajbmeb-1707	70	13	is	be	AUX
ajbmeb-1707	70	14	characterized	characterize	VERB
ajbmeb-1707	70	15	by	by	ADP
ajbmeb-1707	70	16	advanced	advanced	ADJ
ajbmeb-1707	70	17	features	feature	NOUN
ajbmeb-1707	70	18	to	to	PART
ajbmeb-1707	70	19	effectively	effectively	ADV
ajbmeb-1707	70	20	deal	deal	VERB
ajbmeb-1707	70	21	with	with	ADP
ajbmeb-1707	70	22	customer	customer	NOUN
ajbmeb-1707	70	23	inquiries	inquiry	NOUN
ajbmeb-1707	70	24	sent	send	VERB
ajbmeb-1707	70	25	via	via	ADP
ajbmeb-1707	70	26	electronic	electronic	ADJ
ajbmeb-1707	70	27	platforms	platform	NOUN
ajbmeb-1707	70	28	.	.	PUNCT
ajbmeb-1707	71	1	4detecting	4detecting	NUM
ajbmeb-1707	71	2	fraud	fraud	NOUN
ajbmeb-1707	71	3	using	use	VERB
ajbmeb-1707	71	4	data	datum	NOUN
ajbmeb-1707	71	5	analysis	analysis	NOUN
ajbmeb-1707	71	6	techniques	technique	NOUN
ajbmeb-1707	71	7	in	in	ADP
ajbmeb-1707	71	8	the	the	DET
ajbmeb-1707	71	9	banking	banking	NOUN
ajbmeb-1707	71	10	sector	sector	NOUN
ajbmeb-1707	71	11	,	,	PUNCT
ajbmeb-1707	71	12	which	which	PRON
ajbmeb-1707	71	13	is	be	AUX
ajbmeb-1707	71	14	the	the	DET
ajbmeb-1707	71	15	fico	fico	PROPN
ajbmeb-1707	71	16	-	-	PUNCT
ajbmeb-1707	71	17	falcon	falcon	PROPN
ajbmeb-1707	71	18	fraud	fraud	NOUN
ajbmeb-1707	71	19	assessment	assessment	NOUN
ajbmeb-1707	71	20	system	system	NOUN
ajbmeb-1707	71	21	,	,	PUNCT
ajbmeb-1707	71	22	which	which	PRON
ajbmeb-1707	71	23	relies	rely	VERB
ajbmeb-1707	71	24	on	on	ADP
ajbmeb-1707	71	25	a	a	DET
ajbmeb-1707	71	26	neural	neural	ADJ
ajbmeb-1707	71	27	network	network	NOUN
ajbmeb-1707	71	28	to	to	PART
ajbmeb-1707	71	29	deploy	deploy	VERB
ajbmeb-1707	71	30	advanced	advanced	ADJ
ajbmeb-1707	71	31	artificial	artificial	ADJ
ajbmeb-1707	71	32	intelligence	intelligence	NOUN
ajbmeb-1707	71	33	systems	system	NOUN
ajbmeb-1707	71	34	based	base	VERB
ajbmeb-1707	71	35	on	on	ADP
ajbmeb-1707	71	36	deep	deep	ADJ
ajbmeb-1707	71	37	learning	learning	NOUN
ajbmeb-1707	71	38	.	.	PUNCT
ajbmeb-1707	72	1	5create	5create	NUM
ajbmeb-1707	72	2	reports	report	NOUN
ajbmeb-1707	72	3	by	by	ADP
ajbmeb-1707	72	4	collecting	collect	VERB
ajbmeb-1707	72	5	large	large	ADJ
ajbmeb-1707	72	6	amounts	amount	NOUN
ajbmeb-1707	72	7	of	of	ADP
ajbmeb-1707	72	8	data	datum	NOUN
ajbmeb-1707	72	9	and	and	CCONJ
ajbmeb-1707	72	10	putting	put	VERB
ajbmeb-1707	72	11	them	they	PRON
ajbmeb-1707	72	12	in	in	ADP
ajbmeb-1707	72	13	the	the	DET
ajbmeb-1707	72	14	form	form	NOUN
ajbmeb-1707	72	15	of	of	ADP
ajbmeb-1707	72	16	paragraphs	paragraph	NOUN
ajbmeb-1707	72	17	that	that	PRON
ajbmeb-1707	72	18	highlight	highlight	VERB
ajbmeb-1707	72	19	the	the	DET
ajbmeb-1707	72	20	main	main	ADJ
ajbmeb-1707	72	21	points	point	NOUN
ajbmeb-1707	72	22	6	6	NUM
ajbmeb-1707	72	23	review	review	NOUN
ajbmeb-1707	72	24	and	and	CCONJ
ajbmeb-1707	72	25	evaluate	evaluate	VERB
ajbmeb-1707	72	26	loan	loan	NOUN
ajbmeb-1707	72	27	applications	application	NOUN
ajbmeb-1707	72	28	submitted	submit	VERB
ajbmeb-1707	72	29	to	to	ADP
ajbmeb-1707	72	30	banks	bank	NOUN
ajbmeb-1707	72	31	7financial	7financial	NUM
ajbmeb-1707	72	32	planning	planning	NOUN
ajbmeb-1707	72	33	to	to	PART
ajbmeb-1707	72	34	create	create	VERB
ajbmeb-1707	72	35	an	an	DET
ajbmeb-1707	72	36	investment	investment	NOUN
ajbmeb-1707	72	37	portfolio	portfolio	NOUN
ajbmeb-1707	72	38	for	for	ADP
ajbmeb-1707	72	39	investors	investor	NOUN
ajbmeb-1707	72	40	8financial	8financial	NUM
ajbmeb-1707	72	41	analysis	analysis	NOUN
ajbmeb-1707	72	42	and	and	CCONJ
ajbmeb-1707	72	43	planning	planning	NOUN
ajbmeb-1707	72	44	to	to	PART
ajbmeb-1707	72	45	secure	secure	VERB
ajbmeb-1707	72	46	the	the	DET
ajbmeb-1707	72	47	financial	financial	ADJ
ajbmeb-1707	72	48	resources	resource	NOUN
ajbmeb-1707	72	49	necessary	necessary	ADJ
ajbmeb-1707	72	50	to	to	ADP
ajbmeb-1707	72	51	market	market	NOUN
ajbmeb-1707	72	52	products	product	NOUN
ajbmeb-1707	72	53	9review	9review	NUM
ajbmeb-1707	72	54	accounting	accounting	NOUN
ajbmeb-1707	72	55	budgets	budget	NOUN
ajbmeb-1707	72	56	10	10	NUM
ajbmeb-1707	72	57	-	-	PUNCT
ajbmeb-1707	72	58	a	a	DET
ajbmeb-1707	72	59	system	system	NOUN
ajbmeb-1707	72	60	for	for	ADP
ajbmeb-1707	72	61	providing	provide	VERB
ajbmeb-1707	72	62	advice	advice	NOUN
ajbmeb-1707	72	63	and	and	CCONJ
ajbmeb-1707	72	64	counseling	counseling	NOUN
ajbmeb-1707	72	65	for	for	ADP
ajbmeb-1707	72	66	long	long	ADJ
ajbmeb-1707	72	67	-	-	PUNCT
ajbmeb-1707	72	68	term	term	NOUN
ajbmeb-1707	72	69	investments	investment	NOUN
ajbmeb-1707	72	70	11	11	NUM
ajbmeb-1707	72	71	-	-	PUNCT
ajbmeb-1707	72	72	better	well	ADJ
ajbmeb-1707	72	73	quality	quality	NOUN
ajbmeb-1707	72	74	support	support	NOUN
ajbmeb-1707	72	75	across	across	ADP
ajbmeb-1707	72	76	multiple	multiple	ADJ
ajbmeb-1707	72	77	channels	channel	NOUN
ajbmeb-1707	72	78	.	.	PUNCT
ajbmeb-1707	73	1	customers	customer	NOUN
ajbmeb-1707	73	2	today	today	NOUN
ajbmeb-1707	73	3	expect	expect	VERB
ajbmeb-1707	73	4	banks	bank	NOUN
ajbmeb-1707	73	5	to	to	PART
ajbmeb-1707	73	6	provide	provide	VERB
ajbmeb-1707	73	7	support	support	NOUN
ajbmeb-1707	73	8	services	service	NOUN
ajbmeb-1707	73	9	through	through	ADP
ajbmeb-1707	73	10	all	all	DET
ajbmeb-1707	73	11	available	available	ADJ
ajbmeb-1707	73	12	channels	channel	NOUN
ajbmeb-1707	73	13	,	,	PUNCT
ajbmeb-1707	73	14	such	such	ADJ
ajbmeb-1707	73	15	as	as	ADP
ajbmeb-1707	73	16	email	email	NOUN
ajbmeb-1707	73	17	;	;	PUNCT
ajbmeb-1707	73	18	and	and	CCONJ
ajbmeb-1707	73	19	the	the	DET
ajbmeb-1707	73	20	phone	phone	NOUN
ajbmeb-1707	73	21	;	;	PUNCT
ajbmeb-1707	73	22	and	and	CCONJ
ajbmeb-1707	73	23	social	social	ADJ
ajbmeb-1707	73	24	media	medium	NOUN
ajbmeb-1707	73	25	;	;	PUNCT
ajbmeb-1707	73	26	and	and	CCONJ
ajbmeb-1707	73	27	others	other	NOUN
ajbmeb-1707	73	28	,	,	PUNCT
ajbmeb-1707	73	29	and	and	CCONJ
ajbmeb-1707	73	30	here	here	ADV
ajbmeb-1707	73	31	comes	come	VERB
ajbmeb-1707	73	32	the	the	DET
ajbmeb-1707	73	33	importance	importance	NOUN
ajbmeb-1707	73	34	of	of	ADP
ajbmeb-1707	73	35	interactive	interactive	ADJ
ajbmeb-1707	73	36	voice	voice	NOUN
ajbmeb-1707	73	37	assistance	assistance	NOUN
ajbmeb-1707	73	38	tools	tool	NOUN
ajbmeb-1707	73	39	and	and	CCONJ
ajbmeb-1707	73	40	chatbots	chatbot	NOUN
ajbmeb-1707	73	41	.	.	PUNCT
ajbmeb-1707	74	1	through	through	ADP
ajbmeb-1707	74	2	which	which	PRON
ajbmeb-1707	74	3	banks	bank	NOUN
ajbmeb-1707	74	4	can	can	AUX
ajbmeb-1707	74	5	adhere	adhere	VERB
ajbmeb-1707	74	6	to	to	ADP
ajbmeb-1707	74	7	their	their	PRON
ajbmeb-1707	74	8	promises	promise	NOUN
ajbmeb-1707	74	9	to	to	ADP
ajbmeb-1707	74	10	their	their	PRON
ajbmeb-1707	74	11	customers	customer	NOUN
ajbmeb-1707	74	12	and	and	CCONJ
ajbmeb-1707	74	13	enhance	enhance	VERB
ajbmeb-1707	74	14	the	the	DET
ajbmeb-1707	74	15	quality	quality	NOUN
ajbmeb-1707	74	16	of	of	ADP
ajbmeb-1707	74	17	their	their	PRON
ajbmeb-1707	74	18	services	service	NOUN
ajbmeb-1707	74	19	.	.	PUNCT
ajbmeb-1707	75	1	12	12	NUM
ajbmeb-1707	75	2	-	-	PUNCT
ajbmeb-1707	75	3	faster	fast	ADJ
ajbmeb-1707	75	4	customer	customer	NOUN
ajbmeb-1707	75	5	service	service	NOUN
ajbmeb-1707	75	6	and	and	CCONJ
ajbmeb-1707	75	7	fewer	few	ADJ
ajbmeb-1707	75	8	disputes	dispute	NOUN
ajbmeb-1707	75	9	;	;	PUNCT
ajbmeb-1707	75	10	customers	customer	NOUN
ajbmeb-1707	75	11	usually	usually	ADV
ajbmeb-1707	75	12	deal	deal	VERB
ajbmeb-1707	75	13	with	with	ADP
ajbmeb-1707	75	14	financial	financial	ADJ
ajbmeb-1707	75	15	and	and	CCONJ
ajbmeb-1707	75	16	banking	banking	NOUN
ajbmeb-1707	75	17	matters	matter	VERB
ajbmeb-1707	75	18	impatiently	impatiently	ADV
ajbmeb-1707	75	19	.	.	PUNCT
ajbmeb-1707	76	1	they	they	PRON
ajbmeb-1707	76	2	need	need	VERB
ajbmeb-1707	76	3	immediate	immediate	ADJ
ajbmeb-1707	76	4	support	support	NOUN
ajbmeb-1707	76	5	and	and	CCONJ
ajbmeb-1707	76	6	will	will	AUX
ajbmeb-1707	76	7	not	not	PART
ajbmeb-1707	76	8	be	be	AUX
ajbmeb-1707	76	9	willing	willing	ADJ
ajbmeb-1707	76	10	to	to	PART
ajbmeb-1707	76	11	wait	wait	VERB
ajbmeb-1707	76	12	even	even	ADV
ajbmeb-1707	76	13	for	for	ADP
ajbmeb-1707	76	14	a	a	DET
ajbmeb-1707	76	15	few	few	ADJ
ajbmeb-1707	76	16	minutes	minute	NOUN
ajbmeb-1707	76	17	.	.	PUNCT
ajbmeb-1707	77	1	fortunately	fortunately	ADV
ajbmeb-1707	77	2	,	,	PUNCT
ajbmeb-1707	77	3	ai	ai	AUX
ajbmeb-1707	77	4	-	-	PUNCT
ajbmeb-1707	77	5	powered	power	VERB
ajbmeb-1707	77	6	communication	communication	NOUN
ajbmeb-1707	77	7	can	can	AUX
ajbmeb-1707	77	8	serve	serve	VERB
ajbmeb-1707	77	9	customers	customer	NOUN
ajbmeb-1707	77	10	instantly	instantly	ADV
ajbmeb-1707	77	11	without	without	ADP
ajbmeb-1707	77	12	them	they	PRON
ajbmeb-1707	77	13	having	have	VERB
ajbmeb-1707	77	14	to	to	PART
ajbmeb-1707	77	15	wait	wait	VERB
ajbmeb-1707	77	16	a	a	DET
ajbmeb-1707	77	17	single	single	ADJ
ajbmeb-1707	77	18	second	second	NOUN
ajbmeb-1707	77	19	;	;	PUNCT
ajbmeb-1707	77	20	in	in	ADP
ajbmeb-1707	77	21	addition	addition	NOUN
ajbmeb-1707	77	22	to	to	ADP
ajbmeb-1707	77	23	avoiding	avoid	VERB
ajbmeb-1707	77	24	any	any	DET
ajbmeb-1707	77	25	dispute	dispute	NOUN
ajbmeb-1707	77	26	that	that	PRON
ajbmeb-1707	77	27	may	may	AUX
ajbmeb-1707	77	28	arise	arise	VERB
ajbmeb-1707	77	29	from	from	ADP
ajbmeb-1707	77	30	dissatisfied	dissatisfied	ADJ
ajbmeb-1707	77	31	customers	customer	NOUN
ajbmeb-1707	77	32	.	.	PUNCT
ajbmeb-1707	78	1	interactive	interactive	ADJ
ajbmeb-1707	78	2	voice	voice	NOUN
ajbmeb-1707	78	3	assistants	assistant	NOUN
ajbmeb-1707	78	4	and	and	CCONJ
ajbmeb-1707	78	5	chatbots	chatbot	NOUN
ajbmeb-1707	78	6	can	can	AUX
ajbmeb-1707	78	7	support	support	VERB
ajbmeb-1707	78	8	multiple	multiple	ADJ
ajbmeb-1707	78	9	customers	customer	NOUN
ajbmeb-1707	78	10	simultaneously	simultaneously	ADV
ajbmeb-1707	78	11	and	and	CCONJ
ajbmeb-1707	78	12	instantly	instantly	ADV
ajbmeb-1707	78	13	.	.	PUNCT
ajbmeb-1707	79	1	13	13	NUM
ajbmeb-1707	79	2	-	-	PUNCT
ajbmeb-1707	79	3	reducing	reduce	VERB
ajbmeb-1707	79	4	employee	employee	NOUN
ajbmeb-1707	79	5	attrition	attrition	NOUN
ajbmeb-1707	79	6	.	.	PUNCT
ajbmeb-1707	80	1	every	every	DET
ajbmeb-1707	80	2	day	day	NOUN
ajbmeb-1707	80	3	,	,	PUNCT
ajbmeb-1707	80	4	banking	banking	NOUN
ajbmeb-1707	80	5	employees	employee	NOUN
ajbmeb-1707	80	6	face	face	VERB
ajbmeb-1707	80	7	many	many	ADJ
ajbmeb-1707	80	8	difficulties	difficulty	NOUN
ajbmeb-1707	80	9	and	and	CCONJ
ajbmeb-1707	80	10	challenges	challenge	NOUN
ajbmeb-1707	80	11	;	;	PUNCT
ajbmeb-1707	80	12	most	most	ADV
ajbmeb-1707	80	13	notable	notable	ADJ
ajbmeb-1707	80	14	are	be	AUX
ajbmeb-1707	80	15	frequent	frequent	ADJ
ajbmeb-1707	80	16	customer	customer	NOUN
ajbmeb-1707	80	17	inquiries	inquiry	NOUN
ajbmeb-1707	80	18	and	and	CCONJ
ajbmeb-1707	80	19	urgent	urgent	ADJ
ajbmeb-1707	80	20	requirements	requirement	NOUN
ajbmeb-1707	80	21	.	.	PUNCT
ajbmeb-1707	81	1	which	which	PRON
ajbmeb-1707	81	2	leads	lead	VERB
ajbmeb-1707	81	3	to	to	ADP
ajbmeb-1707	81	4	their	their	PRON
ajbmeb-1707	81	5	exhaustion	exhaustion	NOUN
ajbmeb-1707	81	6	and	and	CCONJ
ajbmeb-1707	81	7	draining	drain	VERB
ajbmeb-1707	81	8	their	their	PRON
ajbmeb-1707	81	9	energy	energy	NOUN
ajbmeb-1707	81	10	;	;	PUNCT
ajbmeb-1707	81	11	which	which	PRON
ajbmeb-1707	81	12	in	in	ADP
ajbmeb-1707	81	13	turn	turn	NOUN
ajbmeb-1707	81	14	reflects	reflect	VERB
ajbmeb-1707	81	15	negatively	negatively	ADV
ajbmeb-1707	81	16	on	on	ADP
ajbmeb-1707	81	17	employee	employee	NOUN
ajbmeb-1707	81	18	satisfaction	satisfaction	NOUN
ajbmeb-1707	81	19	and	and	CCONJ
ajbmeb-1707	81	20	retention	retention	NOUN
ajbmeb-1707	81	21	in	in	ADP
ajbmeb-1707	81	22	the	the	DET
ajbmeb-1707	81	23	long	long	ADJ
ajbmeb-1707	81	24	term	term	NOUN
ajbmeb-1707	81	25	.	.	PUNCT
ajbmeb-1707	82	1	but	but	CCONJ
ajbmeb-1707	82	2	by	by	ADP
ajbmeb-1707	82	3	automating	automate	VERB
ajbmeb-1707	82	4	certain	certain	ADJ
ajbmeb-1707	82	5	aspects	aspect	NOUN
ajbmeb-1707	82	6	of	of	ADP
ajbmeb-1707	82	7	customer	customer	NOUN
ajbmeb-1707	82	8	service	service	NOUN
ajbmeb-1707	82	9	,	,	PUNCT
ajbmeb-1707	82	10	banks	bank	NOUN
ajbmeb-1707	82	11	can	can	AUX
ajbmeb-1707	82	12	save	save	VERB
ajbmeb-1707	82	13	their	their	PRON
ajbmeb-1707	82	14	employees	employee	NOUN
ajbmeb-1707	82	15	a	a	DET
ajbmeb-1707	82	16	lot	lot	NOUN
ajbmeb-1707	82	17	of	of	ADP
ajbmeb-1707	82	18	headaches	headache	NOUN
ajbmeb-1707	82	19	;	;	PUNCT
ajbmeb-1707	82	20	it	it	PRON
ajbmeb-1707	82	21	enables	enable	VERB
ajbmeb-1707	82	22	them	they	PRON
ajbmeb-1707	82	23	to	to	PART
ajbmeb-1707	82	24	focus	focus	VERB
ajbmeb-1707	82	25	on	on	ADP
ajbmeb-1707	82	26	strategic	strategic	ADJ
ajbmeb-1707	82	27	and	and	CCONJ
ajbmeb-1707	82	28	more	more	ADV
ajbmeb-1707	82	29	complex	complex	ADJ
ajbmeb-1707	82	30	tasks	task	NOUN
ajbmeb-1707	82	31	.	.	PUNCT
ajbmeb-1707	83	1	artificial	artificial	ADJ
ajbmeb-1707	83	2	intelligence	intelligence	NOUN
ajbmeb-1707	83	3	is	be	AUX
ajbmeb-1707	83	4	also	also	ADV
ajbmeb-1707	83	5	expected	expect	VERB
ajbmeb-1707	83	6	to	to	PART
ajbmeb-1707	83	7	contribute	contribute	VERB
ajbmeb-1707	83	8	to	to	ADP
ajbmeb-1707	83	9	preserving	preserve	VERB
ajbmeb-1707	83	10	accumulated	accumulate	VERB
ajbmeb-1707	83	11	human	human	ADJ
ajbmeb-1707	83	12	expertise	expertise	NOUN
ajbmeb-1707	83	13	by	by	ADP
ajbmeb-1707	83	14	transferring	transfer	VERB
ajbmeb-1707	83	15	it	it	PRON
ajbmeb-1707	83	16	to	to	ADP
ajbmeb-1707	83	17	smart	smart	ADJ
ajbmeb-1707	83	18	machines	machine	NOUN
ajbmeb-1707	83	19	.	.	PUNCT
ajbmeb-1707	84	1	14	14	NUM
ajbmeb-1707	84	2	-	-	PUNCT
ajbmeb-1707	84	3	stronger	strong	ADJ
ajbmeb-1707	84	4	data	datum	NOUN
ajbmeb-1707	84	5	protection	protection	NOUN
ajbmeb-1707	84	6	.	.	PUNCT
ajbmeb-1707	85	1	data	datum	NOUN
ajbmeb-1707	85	2	protection	protection	NOUN
ajbmeb-1707	85	3	is	be	AUX
ajbmeb-1707	85	4	undoubtedly	undoubtedly	ADV
ajbmeb-1707	85	5	of	of	ADP
ajbmeb-1707	85	6	great	great	ADJ
ajbmeb-1707	85	7	importance	importance	NOUN
ajbmeb-1707	85	8	in	in	ADP
ajbmeb-1707	85	9	the	the	DET
ajbmeb-1707	85	10	world	world	NOUN
ajbmeb-1707	85	11	of	of	ADP
ajbmeb-1707	85	12	banking	banking	NOUN
ajbmeb-1707	85	13	.	.	PUNCT
ajbmeb-1707	86	1	interestingly	interestingly	ADV
ajbmeb-1707	86	2	,	,	PUNCT
ajbmeb-1707	86	3	artificial	artificial	ADJ
ajbmeb-1707	86	4	intelligence	intelligence	NOUN
ajbmeb-1707	86	5	can	can	AUX
ajbmeb-1707	86	6	offer	offer	VERB
ajbmeb-1707	86	7	a	a	DET
ajbmeb-1707	86	8	whole	whole	ADJ
ajbmeb-1707	86	9	new	new	ADJ
ajbmeb-1707	86	10	level	level	NOUN
ajbmeb-1707	86	11	of	of	ADP
ajbmeb-1707	86	12	protection	protection	NOUN
ajbmeb-1707	86	13	.	.	PUNCT
ajbmeb-1707	87	1	15	15	NUM
ajbmeb-1707	87	2	-	-	ADJ
ajbmeb-1707	87	3	artificial	artificial	ADJ
ajbmeb-1707	87	4	intelligence	intelligence	NOUN
ajbmeb-1707	87	5	systems	system	NOUN
ajbmeb-1707	87	6	can	can	AUX
ajbmeb-1707	87	7	also	also	ADV
ajbmeb-1707	87	8	provide	provide	VERB
ajbmeb-1707	87	9	analyzes	analyze	NOUN
ajbmeb-1707	87	10	of	of	ADP
ajbmeb-1707	87	11	historical	historical	ADJ
ajbmeb-1707	87	12	data	datum	NOUN
ajbmeb-1707	87	13	,	,	PUNCT
ajbmeb-1707	87	14	real	real	ADJ
ajbmeb-1707	87	15	-	-	PUNCT
ajbmeb-1707	87	16	time	time	NOUN
ajbmeb-1707	87	17	statistics	statistic	NOUN
ajbmeb-1707	87	18	,	,	PUNCT
ajbmeb-1707	87	19	and	and	CCONJ
ajbmeb-1707	87	20	accurate	accurate	ADJ
ajbmeb-1707	87	21	reports	report	NOUN
ajbmeb-1707	87	22	from	from	ADP
ajbmeb-1707	87	23	all	all	DET
ajbmeb-1707	87	24	electronic	electronic	ADJ
ajbmeb-1707	87	25	systems	system	NOUN
ajbmeb-1707	87	26	,	,	PUNCT
ajbmeb-1707	87	27	which	which	PRON
ajbmeb-1707	87	28	supports	support	VERB
ajbmeb-1707	87	29	the	the	DET
ajbmeb-1707	87	30	decision	decision	NOUN
ajbmeb-1707	87	31	-	-	PUNCT
ajbmeb-1707	87	32	making	make	VERB
ajbmeb-1707	87	33	process	process	NOUN
ajbmeb-1707	87	34	and	and	CCONJ
ajbmeb-1707	87	35	making	make	VERB
ajbmeb-1707	87	36	solid	solid	ADJ
ajbmeb-1707	87	37	and	and	CCONJ
ajbmeb-1707	87	38	sound	sound	ADJ
ajbmeb-1707	87	39	decisions	decision	NOUN
ajbmeb-1707	87	40	.	.	PUNCT
ajbmeb-1707	88	1	2.4	2.4	NUM
ajbmeb-1707	88	2	the	the	DET
ajbmeb-1707	88	3	importance	importance	NOUN
ajbmeb-1707	88	4	of	of	ADP
ajbmeb-1707	88	5	artificial	artificial	ADJ
ajbmeb-1707	88	6	intelligence	intelligence	NOUN
ajbmeb-1707	88	7	in	in	ADP
ajbmeb-1707	88	8	achieving	achieve	VERB
ajbmeb-1707	88	9	fundamental	fundamental	ADJ
ajbmeb-1707	88	10	transformations	transformation	NOUN
ajbmeb-1707	88	11	and	and	CCONJ
ajbmeb-1707	88	12	representing	represent	VERB
ajbmeb-1707	88	13	a	a	DET
ajbmeb-1707	88	14	positive	positive	ADJ
ajbmeb-1707	88	15	negative	negative	ADJ
ajbmeb-1707	88	16	impact	impact	NOUN
ajbmeb-1707	88	17	on	on	ADP
ajbmeb-1707	88	18	the	the	DET
ajbmeb-1707	88	19	presence	presence	NOUN
ajbmeb-1707	88	20	of	of	ADP
ajbmeb-1707	88	21	artificial	artificial	ADJ
ajbmeb-1707	88	22	intelligence	intelligence	NOUN
ajbmeb-1707	88	23	applications	application	NOUN
ajbmeb-1707	88	24	is	be	AUX
ajbmeb-1707	88	25	as	as	SCONJ
ajbmeb-1707	88	26	follows	follow	VERB
ajbmeb-1707	88	27	:	:	PUNCT
ajbmeb-1707	88	28	.	.	PUNCT
ajbmeb-1707	89	1	19	19	NUM
ajbmeb-1707	89	2	1developing	1developing	NUM
ajbmeb-1707	89	3	the	the	DET
ajbmeb-1707	89	4	dynamism	dynamism	NOUN
ajbmeb-1707	89	5	and	and	CCONJ
ajbmeb-1707	89	6	accuracy	accuracy	NOUN
ajbmeb-1707	89	7	of	of	ADP
ajbmeb-1707	89	8	the	the	DET
ajbmeb-1707	89	9	future	future	NOUN
ajbmeb-1707	89	10	:	:	PUNCT
ajbmeb-1707	89	11	adopting	adopt	VERB
ajbmeb-1707	89	12	interactive	interactive	ADJ
ajbmeb-1707	89	13	artificial	artificial	ADJ
ajbmeb-1707	89	14	intelligence	intelligence	NOUN
ajbmeb-1707	89	15	techniques	technique	NOUN
ajbmeb-1707	89	16	in	in	ADP
ajbmeb-1707	89	17	creating	create	VERB
ajbmeb-1707	89	18	a	a	DET
ajbmeb-1707	89	19	more	more	ADV
ajbmeb-1707	89	20	predictable	predictable	ADJ
ajbmeb-1707	89	21	and	and	CCONJ
ajbmeb-1707	89	22	less	less	ADV
ajbmeb-1707	89	23	creative	creative	ADJ
ajbmeb-1707	89	24	work	work	NOUN
ajbmeb-1707	89	25	environment	environment	NOUN
ajbmeb-1707	89	26	;	;	PUNCT
ajbmeb-1707	89	27	through	through	ADP
ajbmeb-1707	89	28	the	the	DET
ajbmeb-1707	89	29	use	use	NOUN
ajbmeb-1707	89	30	of	of	ADP
ajbmeb-1707	89	31	a	a	DET
ajbmeb-1707	89	32	set	set	NOUN
ajbmeb-1707	89	33	of	of	ADP
ajbmeb-1707	89	34	complex	complex	ADJ
ajbmeb-1707	89	35	algorithms	algorithm	NOUN
ajbmeb-1707	89	36	capable	capable	ADJ
ajbmeb-1707	89	37	of	of	ADP
ajbmeb-1707	89	38	dealing	deal	VERB
ajbmeb-1707	89	39	with	with	ADP
ajbmeb-1707	89	40	a	a	DET
ajbmeb-1707	89	41	large	large	ADJ
ajbmeb-1707	89	42	amount	amount	NOUN
ajbmeb-1707	89	43	of	of	ADP
ajbmeb-1707	89	44	huge	huge	ADJ
ajbmeb-1707	89	45	and	and	CCONJ
ajbmeb-1707	89	46	disparate	disparate	ADJ
ajbmeb-1707	89	47	data	datum	NOUN
ajbmeb-1707	89	48	and	and	CCONJ
ajbmeb-1707	89	49	processing	process	VERB
ajbmeb-1707	89	50	it	it	PRON
ajbmeb-1707	89	51	in	in	ADP
ajbmeb-1707	89	52	record	record	NOUN
ajbmeb-1707	89	53	time	time	NOUN
ajbmeb-1707	89	54	to	to	PART
ajbmeb-1707	89	55	predict	predict	VERB
ajbmeb-1707	89	56	financial	financial	ADJ
ajbmeb-1707	89	57	and	and	CCONJ
ajbmeb-1707	89	58	regulatory	regulatory	ADJ
ajbmeb-1707	89	59	competitiveness	competitiveness	NOUN
ajbmeb-1707	89	60	guarantees	guarantee	NOUN
ajbmeb-1707	89	61	.	.	PUNCT
ajbmeb-1707	90	1	american	american	ADJ
ajbmeb-1707	90	2	journal	journal	PROPN
ajbmeb-1707	90	3	of	of	ADP
ajbmeb-1707	90	4	business	business	NOUN
ajbmeb-1707	90	5	management	management	NOUN
ajbmeb-1707	90	6	,	,	PUNCT
ajbmeb-1707	90	7	economics	economic	NOUN
ajbmeb-1707	90	8	and	and	CCONJ
ajbmeb-1707	90	9	banking	banking	NOUN
ajbmeb-1707	90	10	volume	volume	NOUN
ajbmeb-1707	90	11	20	20	NUM
ajbmeb-1707	90	12	january	january	PROPN
ajbmeb-1707	90	13	,	,	PUNCT
ajbmeb-1707	90	14	2024	2024	NUM
ajbmeb-1707	90	15	p	p	NOUN
ajbmeb-1707	90	16	a	a	DET
ajbmeb-1707	90	17	g	g	NOUN
ajbmeb-1707	90	18	e	e	NOUN
ajbmeb-1707	91	1	|	|	ADV
ajbmeb-1707	91	2	16	16	NUM
ajbmeb-1707	91	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	91	4	2reducing	2reduce	VERB
ajbmeb-1707	91	5	the	the	DET
ajbmeb-1707	91	6	cost	cost	NOUN
ajbmeb-1707	91	7	of	of	ADP
ajbmeb-1707	91	8	business	business	NOUN
ajbmeb-1707	91	9	:	:	PUNCT
ajbmeb-1707	91	10	it	it	PRON
ajbmeb-1707	91	11	is	be	AUX
ajbmeb-1707	91	12	the	the	DET
ajbmeb-1707	91	13	most	most	ADV
ajbmeb-1707	91	14	popular	popular	ADJ
ajbmeb-1707	91	15	use	use	NOUN
ajbmeb-1707	91	16	for	for	ADP
ajbmeb-1707	91	17	business	business	NOUN
ajbmeb-1707	91	18	institutions	institution	NOUN
ajbmeb-1707	91	19	in	in	ADP
ajbmeb-1707	91	20	that	that	SCONJ
ajbmeb-1707	91	21	it	it	PRON
ajbmeb-1707	91	22	affects	affect	VERB
ajbmeb-1707	91	23	the	the	DET
ajbmeb-1707	91	24	cost	cost	NOUN
ajbmeb-1707	91	25	of	of	ADP
ajbmeb-1707	91	26	business	business	NOUN
ajbmeb-1707	91	27	,	,	PUNCT
ajbmeb-1707	91	28	which	which	PRON
ajbmeb-1707	91	29	helps	help	VERB
ajbmeb-1707	91	30	them	they	PRON
ajbmeb-1707	91	31	achieve	achieve	VERB
ajbmeb-1707	91	32	gains	gain	NOUN
ajbmeb-1707	91	33	in	in	ADP
ajbmeb-1707	91	34	the	the	DET
ajbmeb-1707	91	35	market	market	NOUN
ajbmeb-1707	91	36	,	,	PUNCT
ajbmeb-1707	91	37	by	by	ADP
ajbmeb-1707	91	38	introducing	introduce	VERB
ajbmeb-1707	91	39	artificial	artificial	ADJ
ajbmeb-1707	91	40	intelligence	intelligence	NOUN
ajbmeb-1707	91	41	applications	application	NOUN
ajbmeb-1707	91	42	in	in	ADP
ajbmeb-1707	91	43	banks	bank	NOUN
ajbmeb-1707	91	44	and	and	CCONJ
ajbmeb-1707	91	45	brokerage	brokerage	NOUN
ajbmeb-1707	91	46	to	to	PART
ajbmeb-1707	91	47	reduce	reduce	VERB
ajbmeb-1707	91	48	costs	cost	NOUN
ajbmeb-1707	91	49	;	;	PUNCT
ajbmeb-1707	91	50	as	as	SCONJ
ajbmeb-1707	91	51	banks	bank	NOUN
ajbmeb-1707	91	52	work	work	VERB
ajbmeb-1707	91	53	on	on	ADP
ajbmeb-1707	91	54	ai	ai	PRON
ajbmeb-1707	91	55	data	datum	NOUN
ajbmeb-1707	91	56	at	at	ADP
ajbmeb-1707	91	57	the	the	DET
ajbmeb-1707	91	58	primary	primary	ADJ
ajbmeb-1707	91	59	interface	interface	NOUN
ajbmeb-1707	91	60	to	to	PART
ajbmeb-1707	91	61	facilitate	facilitate	VERB
ajbmeb-1707	91	62	customer	customer	NOUN
ajbmeb-1707	91	63	identification	identification	NOUN
ajbmeb-1707	91	64	and	and	CCONJ
ajbmeb-1707	91	65	authentication	authentication	NOUN
ajbmeb-1707	91	66	to	to	PART
ajbmeb-1707	91	67	direct	direct	VERB
ajbmeb-1707	91	68	employees	employee	NOUN
ajbmeb-1707	91	69	through	through	ADP
ajbmeb-1707	91	70	chatbots	chatbot	NOUN
ajbmeb-1707	91	71	,	,	PUNCT
ajbmeb-1707	91	72	voice	voice	NOUN
ajbmeb-1707	91	73	assistants	assistant	NOUN
ajbmeb-1707	91	74	and	and	CCONJ
ajbmeb-1707	91	75	deep	deep	ADJ
ajbmeb-1707	91	76	customer	customer	NOUN
ajbmeb-1707	91	77	relationships	relationship	NOUN
ajbmeb-1707	91	78	;	;	PUNCT
ajbmeb-1707	91	79	artificial	artificial	ADJ
ajbmeb-1707	91	80	intelligence	intelligence	NOUN
ajbmeb-1707	91	81	is	be	AUX
ajbmeb-1707	91	82	also	also	ADV
ajbmeb-1707	91	83	being	be	AUX
ajbmeb-1707	91	84	applied	apply	VERB
ajbmeb-1707	91	85	by	by	ADP
ajbmeb-1707	91	86	banks	bank	NOUN
ajbmeb-1707	91	87	within	within	ADP
ajbmeb-1707	91	88	the	the	DET
ajbmeb-1707	91	89	functions	function	NOUN
ajbmeb-1707	91	90	of	of	ADP
ajbmeb-1707	91	91	teenagers	teenager	NOUN
ajbmeb-1707	91	92	to	to	PART
ajbmeb-1707	91	93	detect	detect	VERB
ajbmeb-1707	91	94	operations	operation	NOUN
ajbmeb-1707	91	95	in	in	ADP
ajbmeb-1707	91	96	and	and	CCONJ
ajbmeb-1707	91	97	thus	thus	ADV
ajbmeb-1707	91	98	leads	lead	VERB
ajbmeb-1707	91	99	to	to	ADP
ajbmeb-1707	91	100	combating	combat	VERB
ajbmeb-1707	91	101	money	money	NOUN
ajbmeb-1707	91	102	laundering	laundering	NOUN
ajbmeb-1707	91	103	.	.	PUNCT
ajbmeb-1707	92	1	3necessity	3necessity	NUM
ajbmeb-1707	92	2	and	and	CCONJ
ajbmeb-1707	92	3	expectations	expectation	NOUN
ajbmeb-1707	92	4	of	of	ADP
ajbmeb-1707	92	5	current	current	ADJ
ajbmeb-1707	92	6	and	and	CCONJ
ajbmeb-1707	92	7	prospective	prospective	ADJ
ajbmeb-1707	92	8	customers	customer	NOUN
ajbmeb-1707	92	9	:	:	PUNCT
ajbmeb-1707	92	10	artificial	artificial	ADJ
ajbmeb-1707	92	11	intelligence	intelligence	NOUN
ajbmeb-1707	92	12	technologies	technology	NOUN
ajbmeb-1707	92	13	for	for	ADP
ajbmeb-1707	92	14	reactors	reactor	NOUN
ajbmeb-1707	92	15	are	be	AUX
ajbmeb-1707	92	16	pivotal	pivotal	ADJ
ajbmeb-1707	92	17	in	in	ADP
ajbmeb-1707	92	18	creating	create	VERB
ajbmeb-1707	92	19	high	high	ADJ
ajbmeb-1707	92	20	value	value	NOUN
ajbmeb-1707	92	21	for	for	ADP
ajbmeb-1707	92	22	user	user	NOUN
ajbmeb-1707	92	23	data	datum	NOUN
ajbmeb-1707	92	24	,	,	PUNCT
ajbmeb-1707	92	25	which	which	PRON
ajbmeb-1707	92	26	allows	allow	VERB
ajbmeb-1707	92	27	organizations	organization	NOUN
ajbmeb-1707	92	28	to	to	PART
ajbmeb-1707	92	29	quickly	quickly	ADV
ajbmeb-1707	92	30	adapt	adapt	VERB
ajbmeb-1707	92	31	to	to	ADP
ajbmeb-1707	92	32	the	the	DET
ajbmeb-1707	92	33	necessity	necessity	NOUN
ajbmeb-1707	92	34	and	and	CCONJ
ajbmeb-1707	92	35	preferences	preference	NOUN
ajbmeb-1707	92	36	of	of	ADP
ajbmeb-1707	92	37	customers	customer	NOUN
ajbmeb-1707	92	38	;	;	PUNCT
ajbmeb-1707	92	39	which	which	PRON
ajbmeb-1707	92	40	results	result	VERB
ajbmeb-1707	92	41	from	from	ADP
ajbmeb-1707	92	42	their	their	PRON
ajbmeb-1707	92	43	loyalty	loyalty	NOUN
ajbmeb-1707	92	44	;	;	PUNCT
ajbmeb-1707	92	45	hence	hence	ADV
ajbmeb-1707	92	46	,	,	PUNCT
ajbmeb-1707	92	47	increasing	increase	VERB
ajbmeb-1707	92	48	the	the	DET
ajbmeb-1707	92	49	market	market	NOUN
ajbmeb-1707	92	50	share	share	NOUN
ajbmeb-1707	92	51	and	and	CCONJ
ajbmeb-1707	92	52	revenues	revenue	NOUN
ajbmeb-1707	92	53	of	of	ADP
ajbmeb-1707	92	54	an	an	DET
ajbmeb-1707	92	55	establishment	establishment	NOUN
ajbmeb-1707	92	56	.	.	PUNCT
ajbmeb-1707	93	1	through	through	ADP
ajbmeb-1707	93	2	the	the	DET
ajbmeb-1707	93	3	use	use	NOUN
ajbmeb-1707	93	4	of	of	ADP
ajbmeb-1707	93	5	a	a	DET
ajbmeb-1707	93	6	chatbot	chatbot	NOUN
ajbmeb-1707	93	7	,	,	PUNCT
ajbmeb-1707	93	8	data	datum	NOUN
ajbmeb-1707	93	9	can	can	AUX
ajbmeb-1707	93	10	be	be	AUX
ajbmeb-1707	93	11	analyzed	analyze	VERB
ajbmeb-1707	93	12	and	and	CCONJ
ajbmeb-1707	93	13	understood	understand	VERB
ajbmeb-1707	93	14	in	in	ADP
ajbmeb-1707	93	15	customer	customer	NOUN
ajbmeb-1707	93	16	relationship	relationship	NOUN
ajbmeb-1707	93	17	management	management	NOUN
ajbmeb-1707	93	18	applications	application	NOUN
ajbmeb-1707	93	19	.	.	PUNCT
ajbmeb-1707	94	1	thus	thus	ADV
ajbmeb-1707	94	2	their	their	PRON
ajbmeb-1707	94	3	applications	application	NOUN
ajbmeb-1707	94	4	will	will	AUX
ajbmeb-1707	94	5	be	be	AUX
ajbmeb-1707	94	6	more	more	ADV
ajbmeb-1707	94	7	efficient	efficient	ADJ
ajbmeb-1707	94	8	in	in	ADP
ajbmeb-1707	94	9	managing	manage	VERB
ajbmeb-1707	94	10	customer	customer	NOUN
ajbmeb-1707	94	11	information	information	NOUN
ajbmeb-1707	94	12	and	and	CCONJ
ajbmeb-1707	94	13	providing	provide	VERB
ajbmeb-1707	94	14	customers	customer	NOUN
ajbmeb-1707	94	15	with	with	ADP
ajbmeb-1707	94	16	specific	specific	ADJ
ajbmeb-1707	94	17	information	information	NOUN
ajbmeb-1707	94	18	.	.	PUNCT
ajbmeb-1707	95	1	4	4	NUM
ajbmeb-1707	95	2	-	-	PUNCT
ajbmeb-1707	95	3	dynamic	dynamic	ADJ
ajbmeb-1707	95	4	optimization	optimization	NOUN
ajbmeb-1707	95	5	of	of	ADP
ajbmeb-1707	95	6	deep	deep	ADJ
ajbmeb-1707	95	7	business	business	NOUN
ajbmeb-1707	95	8	:	:	PUNCT
ajbmeb-1707	95	9	artificial	artificial	ADJ
ajbmeb-1707	95	10	intelligence	intelligence	NOUN
ajbmeb-1707	95	11	is	be	AUX
ajbmeb-1707	95	12	prepared	prepare	VERB
ajbmeb-1707	95	13	for	for	ADP
ajbmeb-1707	95	14	more	more	ADJ
ajbmeb-1707	95	15	work	work	NOUN
ajbmeb-1707	95	16	through	through	ADP
ajbmeb-1707	95	17	deep	deep	ADJ
ajbmeb-1707	95	18	business	business	NOUN
ajbmeb-1707	95	19	software	software	NOUN
ajbmeb-1707	95	20	applications	application	NOUN
ajbmeb-1707	95	21	that	that	PRON
ajbmeb-1707	95	22	provide	provide	VERB
ajbmeb-1707	95	23	organizations	organization	NOUN
ajbmeb-1707	95	24	with	with	ADP
ajbmeb-1707	95	25	visibility	visibility	NOUN
ajbmeb-1707	95	26	into	into	ADP
ajbmeb-1707	95	27	how	how	SCONJ
ajbmeb-1707	95	28	the	the	DET
ajbmeb-1707	95	29	company	company	NOUN
ajbmeb-1707	95	30	gets	get	VERB
ajbmeb-1707	95	31	business	business	NOUN
ajbmeb-1707	95	32	done	do	VERB
ajbmeb-1707	95	33	.	.	PUNCT
ajbmeb-1707	96	1	5	5	NUM
ajbmeb-1707	96	2	-	-	PUNCT
ajbmeb-1707	96	3	increasing	increase	VERB
ajbmeb-1707	96	4	investment	investment	NOUN
ajbmeb-1707	96	5	promotion	promotion	NOUN
ajbmeb-1707	96	6	:	:	PUNCT
ajbmeb-1707	96	7	public	public	ADJ
ajbmeb-1707	96	8	organizations	organization	NOUN
ajbmeb-1707	96	9	can	can	AUX
ajbmeb-1707	96	10	use	use	VERB
ajbmeb-1707	96	11	;	;	PUNCT
ajbmeb-1707	96	12	banks	bank	NOUN
ajbmeb-1707	96	13	specifically	specifically	ADV
ajbmeb-1707	96	14	use	use	VERB
ajbmeb-1707	96	15	artificial	artificial	ADJ
ajbmeb-1707	96	16	intelligence	intelligence	NOUN
ajbmeb-1707	96	17	technologies	technology	NOUN
ajbmeb-1707	96	18	by	by	ADP
ajbmeb-1707	96	19	using	use	VERB
ajbmeb-1707	96	20	their	their	PRON
ajbmeb-1707	96	21	smart	smart	ADJ
ajbmeb-1707	96	22	systems	system	NOUN
ajbmeb-1707	96	23	to	to	PART
ajbmeb-1707	96	24	help	help	VERB
ajbmeb-1707	96	25	find	find	VERB
ajbmeb-1707	96	26	investment	investment	NOUN
ajbmeb-1707	96	27	alternatives	alternative	NOUN
ajbmeb-1707	96	28	and	and	CCONJ
ajbmeb-1707	96	29	opportunities	opportunity	NOUN
ajbmeb-1707	96	30	to	to	PART
ajbmeb-1707	96	31	help	help	VERB
ajbmeb-1707	96	32	in	in	ADP
ajbmeb-1707	96	33	making	make	VERB
ajbmeb-1707	96	34	investment	investment	NOUN
ajbmeb-1707	96	35	decisions	decision	NOUN
ajbmeb-1707	96	36	.	.	PUNCT
ajbmeb-1707	97	1	3	3	X
ajbmeb-1707	97	2	.	.	NOUN
ajbmeb-1707	97	3	result	result	NOUN
ajbmeb-1707	97	4	discussion	discussion	NOUN
ajbmeb-1707	97	5	opinions	opinion	NOUN
ajbmeb-1707	97	6	of	of	ADP
ajbmeb-1707	97	7	bankers	banker	NOUN
ajbmeb-1707	97	8	and	and	CCONJ
ajbmeb-1707	97	9	businessmen	businessman	NOUN
ajbmeb-1707	97	10	about	about	ADP
ajbmeb-1707	97	11	the	the	DET
ajbmeb-1707	97	12	opportunities	opportunity	NOUN
ajbmeb-1707	97	13	of	of	ADP
ajbmeb-1707	97	14	artificial	artificial	ADJ
ajbmeb-1707	97	15	intelligence	intelligence	NOUN
ajbmeb-1707	97	16	.	.	PUNCT
ajbmeb-1707	98	1	considering	consider	VERB
ajbmeb-1707	98	2	that	that	SCONJ
ajbmeb-1707	98	3	financial	financial	ADJ
ajbmeb-1707	98	4	activities	activity	NOUN
ajbmeb-1707	98	5	are	be	AUX
ajbmeb-1707	98	6	a	a	DET
ajbmeb-1707	98	7	world	world	NOUN
ajbmeb-1707	98	8	and	and	CCONJ
ajbmeb-1707	98	9	are	be	AUX
ajbmeb-1707	98	10	integrated	integrate	VERB
ajbmeb-1707	98	11	into	into	ADP
ajbmeb-1707	98	12	many	many	ADJ
ajbmeb-1707	98	13	aspects	aspect	NOUN
ajbmeb-1707	98	14	of	of	ADP
ajbmeb-1707	98	15	human	human	ADJ
ajbmeb-1707	98	16	interaction	interaction	NOUN
ajbmeb-1707	98	17	,	,	PUNCT
ajbmeb-1707	98	18	the	the	DET
ajbmeb-1707	98	19	adoption	adoption	NOUN
ajbmeb-1707	98	20	of	of	ADP
ajbmeb-1707	98	21	artificial	artificial	ADJ
ajbmeb-1707	98	22	intelligence	intelligence	NOUN
ajbmeb-1707	98	23	can	can	AUX
ajbmeb-1707	98	24	lead	lead	VERB
ajbmeb-1707	98	25	to	to	ADP
ajbmeb-1707	98	26	the	the	DET
ajbmeb-1707	98	27	introduction	introduction	NOUN
ajbmeb-1707	98	28	of	of	ADP
ajbmeb-1707	98	29	innovations	innovation	NOUN
ajbmeb-1707	98	30	within	within	ADP
ajbmeb-1707	98	31	the	the	DET
ajbmeb-1707	98	32	industry	industry	NOUN
ajbmeb-1707	98	33	.	.	PUNCT
ajbmeb-1707	99	1	for	for	ADP
ajbmeb-1707	99	2	this	this	DET
ajbmeb-1707	99	3	reason	reason	NOUN
ajbmeb-1707	99	4	,	,	PUNCT
ajbmeb-1707	99	5	startups	startup	NOUN
ajbmeb-1707	99	6	and	and	CCONJ
ajbmeb-1707	99	7	financial	financial	ADJ
ajbmeb-1707	99	8	and	and	CCONJ
ajbmeb-1707	99	9	banking	banking	NOUN
ajbmeb-1707	99	10	institutions	institution	NOUN
ajbmeb-1707	99	11	are	be	AUX
ajbmeb-1707	99	12	offering	offer	VERB
ajbmeb-1707	99	13	new	new	ADJ
ajbmeb-1707	99	14	products	product	NOUN
ajbmeb-1707	99	15	and	and	CCONJ
ajbmeb-1707	99	16	services	service	NOUN
ajbmeb-1707	99	17	based	base	VERB
ajbmeb-1707	99	18	on	on	ADP
ajbmeb-1707	99	19	artificial	artificial	ADJ
ajbmeb-1707	99	20	intelligence	intelligence	NOUN
ajbmeb-1707	99	21	and	and	CCONJ
ajbmeb-1707	99	22	financial	financial	ADJ
ajbmeb-1707	99	23	technology	technology	NOUN
ajbmeb-1707	99	24	.	.	PUNCT
ajbmeb-1707	100	1	the	the	DET
ajbmeb-1707	100	2	following	follow	VERB
ajbmeb-1707	100	3	table	table	NOUN
ajbmeb-1707	100	4	(	(	PUNCT
ajbmeb-1707	100	5	1	1	X
ajbmeb-1707	100	6	)	)	PUNCT
ajbmeb-1707	100	7	highlights	highlight	NOUN
ajbmeb-1707	100	8	the	the	DET
ajbmeb-1707	100	9	results	result	NOUN
ajbmeb-1707	100	10	of	of	ADP
ajbmeb-1707	100	11	a	a	DET
ajbmeb-1707	100	12	survey	survey	NOUN
ajbmeb-1707	100	13	of	of	ADP
ajbmeb-1707	100	14	decision	decision	NOUN
ajbmeb-1707	100	15	makers	maker	NOUN
ajbmeb-1707	100	16	in	in	ADP
ajbmeb-1707	100	17	the	the	DET
ajbmeb-1707	100	18	field	field	NOUN
ajbmeb-1707	100	19	of	of	ADP
ajbmeb-1707	100	20	financial	financial	ADJ
ajbmeb-1707	100	21	services	service	NOUN
ajbmeb-1707	100	22	on	on	ADP
ajbmeb-1707	100	23	the	the	DET
ajbmeb-1707	100	24	use	use	NOUN
ajbmeb-1707	100	25	of	of	ADP
ajbmeb-1707	100	26	artificial	artificial	ADJ
ajbmeb-1707	100	27	intelligence	intelligence	NOUN
ajbmeb-1707	100	28	:	:	PUNCT
ajbmeb-1707	100	29	study	study	NOUN
ajbmeb-1707	100	30	methodology	methodology	NOUN
ajbmeb-1707	100	31	:	:	PUNCT
ajbmeb-1707	100	32	in	in	ADP
ajbmeb-1707	100	33	this	this	DET
ajbmeb-1707	100	34	study	study	NOUN
ajbmeb-1707	100	35	,	,	PUNCT
ajbmeb-1707	100	36	the	the	DET
ajbmeb-1707	100	37	descriptive	descriptive	ADJ
ajbmeb-1707	100	38	approach	approach	NOUN
ajbmeb-1707	100	39	was	be	AUX
ajbmeb-1707	100	40	used	use	VERB
ajbmeb-1707	100	41	to	to	PART
ajbmeb-1707	100	42	describe	describe	VERB
ajbmeb-1707	100	43	the	the	DET
ajbmeb-1707	100	44	study	study	NOUN
ajbmeb-1707	100	45	variables	variable	NOUN
ajbmeb-1707	100	46	and	and	CCONJ
ajbmeb-1707	100	47	analyze	analyze	VERB
ajbmeb-1707	100	48	the	the	DET
ajbmeb-1707	100	49	relationship	relationship	NOUN
ajbmeb-1707	100	50	in	in	ADP
ajbmeb-1707	100	51	order	order	NOUN
ajbmeb-1707	100	52	to	to	PART
ajbmeb-1707	100	53	achieve	achieve	VERB
ajbmeb-1707	100	54	the	the	DET
ajbmeb-1707	100	55	objectives	objective	NOUN
ajbmeb-1707	100	56	of	of	ADP
ajbmeb-1707	100	57	the	the	DET
ajbmeb-1707	100	58	study	study	NOUN
ajbmeb-1707	100	59	.	.	PUNCT
ajbmeb-1707	101	1	the	the	DET
ajbmeb-1707	101	2	descriptive	descriptive	ADJ
ajbmeb-1707	101	3	analytical	analytical	ADJ
ajbmeb-1707	101	4	approach	approach	NOUN
ajbmeb-1707	101	5	was	be	AUX
ajbmeb-1707	101	6	used	use	VERB
ajbmeb-1707	101	7	to	to	PART
ajbmeb-1707	101	8	identify	identify	VERB
ajbmeb-1707	101	9	the	the	DET
ajbmeb-1707	101	10	research	research	NOUN
ajbmeb-1707	101	11	hypotheses	hypothesis	NOUN
ajbmeb-1707	101	12	.	.	PUNCT
ajbmeb-1707	102	1	the	the	DET
ajbmeb-1707	102	2	sample	sample	NOUN
ajbmeb-1707	102	3	and	and	CCONJ
ajbmeb-1707	102	4	sources	source	NOUN
ajbmeb-1707	102	5	of	of	ADP
ajbmeb-1707	102	6	the	the	DET
ajbmeb-1707	102	7	study	study	NOUN
ajbmeb-1707	102	8	consist	consist	NOUN
ajbmeb-1707	102	9	of	of	ADP
ajbmeb-1707	102	10	50	50	NUM
ajbmeb-1707	102	11	iraqi	iraqi	ADJ
ajbmeb-1707	102	12	bank	bank	NOUN
ajbmeb-1707	102	13	employees	employee	NOUN
ajbmeb-1707	102	14	.	.	PUNCT
ajbmeb-1707	103	1	the	the	DET
ajbmeb-1707	103	2	information	information	NOUN
ajbmeb-1707	103	3	necessary	necessary	ADJ
ajbmeb-1707	103	4	for	for	SCONJ
ajbmeb-1707	103	5	the	the	DET
ajbmeb-1707	103	6	research	research	NOUN
ajbmeb-1707	103	7	was	be	AUX
ajbmeb-1707	103	8	obtained	obtain	VERB
ajbmeb-1707	103	9	,	,	PUNCT
ajbmeb-1707	103	10	consisting	consist	VERB
ajbmeb-1707	103	11	of	of	ADP
ajbmeb-1707	103	12	an	an	DET
ajbmeb-1707	103	13	axis	axis	NOUN
ajbmeb-1707	103	14	that	that	PRON
ajbmeb-1707	103	15	discusses	discuss	VERB
ajbmeb-1707	103	16	the	the	DET
ajbmeb-1707	103	17	research	research	NOUN
ajbmeb-1707	103	18	hypothesis	hypothesis	NOUN
ajbmeb-1707	103	19	to	to	PART
ajbmeb-1707	103	20	confirm	confirm	VERB
ajbmeb-1707	103	21	or	or	CCONJ
ajbmeb-1707	103	22	deny	deny	VERB
ajbmeb-1707	103	23	it	it	PRON
ajbmeb-1707	103	24	by	by	ADP
ajbmeb-1707	103	25	developing	develop	VERB
ajbmeb-1707	103	26	a	a	DET
ajbmeb-1707	103	27	set	set	NOUN
ajbmeb-1707	103	28	of	of	ADP
ajbmeb-1707	103	29	questions	question	NOUN
ajbmeb-1707	103	30	.	.	PUNCT
ajbmeb-1707	104	1	the	the	DET
ajbmeb-1707	104	2	data	datum	NOUN
ajbmeb-1707	104	3	was	be	AUX
ajbmeb-1707	104	4	analyzed	analyze	VERB
ajbmeb-1707	104	5	using	use	VERB
ajbmeb-1707	104	6	the	the	DET
ajbmeb-1707	104	7	(	(	PUNCT
ajbmeb-1707	104	8	spss	spss	ADJ
ajbmeb-1707	104	9	)	)	PUNCT
ajbmeb-1707	104	10	program	program	NOUN
ajbmeb-1707	104	11	,	,	PUNCT
ajbmeb-1707	104	12	where	where	SCONJ
ajbmeb-1707	104	13	analytical	analytical	ADJ
ajbmeb-1707	104	14	statistics	statistic	NOUN
ajbmeb-1707	104	15	are	be	AUX
ajbmeb-1707	104	16	used	use	VERB
ajbmeb-1707	104	17	,	,	PUNCT
ajbmeb-1707	104	18	represented	represent	VERB
ajbmeb-1707	104	19	by	by	ADP
ajbmeb-1707	104	20	calculating	calculate	VERB
ajbmeb-1707	104	21	percentages	percentage	NOUN
ajbmeb-1707	104	22	and	and	CCONJ
ajbmeb-1707	104	23	the	the	DET
ajbmeb-1707	104	24	mean	mean	NOUN
ajbmeb-1707	104	25	.	.	PUNCT
ajbmeb-1707	105	1	arithmetic	arithmetic	ADJ
ajbmeb-1707	105	2	and	and	CCONJ
ajbmeb-1707	105	3	testing	testing	NOUN
ajbmeb-1707	105	4	differences	difference	NOUN
ajbmeb-1707	105	5	in	in	ADP
ajbmeb-1707	105	6	the	the	DET
ajbmeb-1707	105	7	opinions	opinion	NOUN
ajbmeb-1707	105	8	of	of	ADP
ajbmeb-1707	105	9	sample	sample	NOUN
ajbmeb-1707	105	10	members	member	NOUN
ajbmeb-1707	105	11	who	who	PRON
ajbmeb-1707	105	12	work	work	VERB
ajbmeb-1707	105	13	in	in	ADP
ajbmeb-1707	105	14	iraqi	iraqi	ADJ
ajbmeb-1707	105	15	banks	bank	NOUN
ajbmeb-1707	105	16	.	.	PUNCT
ajbmeb-1707	106	1	american	american	PROPN
ajbmeb-1707	106	2	journal	journal	PROPN
ajbmeb-1707	106	3	of	of	ADP
ajbmeb-1707	106	4	business	business	NOUN
ajbmeb-1707	106	5	management	management	NOUN
ajbmeb-1707	106	6	,	,	PUNCT
ajbmeb-1707	106	7	economics	economic	NOUN
ajbmeb-1707	106	8	and	and	CCONJ
ajbmeb-1707	106	9	banking	banking	NOUN
ajbmeb-1707	106	10	volume	volume	NOUN
ajbmeb-1707	106	11	20	20	NUM
ajbmeb-1707	106	12	january	january	PROPN
ajbmeb-1707	106	13	,	,	PUNCT
ajbmeb-1707	106	14	2024	2024	NUM
ajbmeb-1707	106	15	p	p	NOUN
ajbmeb-1707	106	16	a	a	DET
ajbmeb-1707	106	17	g	g	NOUN
ajbmeb-1707	106	18	e	e	PROPN
ajbmeb-1707	106	19	|	|	ADV
ajbmeb-1707	106	20	17	17	NUM
ajbmeb-1707	106	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	106	22	description	description	NOUN
ajbmeb-1707	106	23	of	of	ADP
ajbmeb-1707	106	24	the	the	DET
ajbmeb-1707	106	25	sample	sample	NOUN
ajbmeb-1707	106	26	’s	’s	PART
ajbmeb-1707	106	27	responses	response	NOUN
ajbmeb-1707	106	28	to	to	ADP
ajbmeb-1707	106	29	the	the	DET
ajbmeb-1707	106	30	research	research	NOUN
ajbmeb-1707	106	31	variables	variable	VERB
ajbmeb-1707	106	32	personal	personal	ADJ
ajbmeb-1707	106	33	data	datum	NOUN
ajbmeb-1707	106	34	table	table	NOUN
ajbmeb-1707	106	35	no	no	INTJ
ajbmeb-1707	106	36	.	.	PUNCT
ajbmeb-1707	107	1	(	(	PUNCT
ajbmeb-1707	107	2	1	1	X
ajbmeb-1707	107	3	)	)	PUNCT
ajbmeb-1707	107	4	shows	show	VERB
ajbmeb-1707	107	5	the	the	DET
ajbmeb-1707	107	6	volume	volume	NOUN
ajbmeb-1707	107	7	of	of	ADP
ajbmeb-1707	107	8	artistic	artistic	ADJ
ajbmeb-1707	107	9	research	research	NOUN
ajbmeb-1707	107	10	according	accord	VERB
ajbmeb-1707	107	11	to	to	ADP
ajbmeb-1707	107	12	gender	gender	NOUN
ajbmeb-1707	107	13	diversity	diversity	NOUN
ajbmeb-1707	107	14	gender	gender	NOUN
ajbmeb-1707	107	15	frequency	frequency	NOUN
ajbmeb-1707	107	16	ratio	ratio	NOUN
ajbmeb-1707	107	17	male	male	NOUN
ajbmeb-1707	107	18	15	15	NUM
ajbmeb-1707	107	19	30	30	NUM
ajbmeb-1707	107	20	%	%	NOUN
ajbmeb-1707	107	21	females	female	NOUN
ajbmeb-1707	107	22	35	35	NUM
ajbmeb-1707	107	23	70	70	NUM
ajbmeb-1707	107	24	%	%	NOUN
ajbmeb-1707	107	25	sum	sum	NOUN
ajbmeb-1707	107	26	50	50	NUM
ajbmeb-1707	107	27	100	100	NUM
ajbmeb-1707	107	28	%	%	NOUN
ajbmeb-1707	107	29	we	we	PRON
ajbmeb-1707	107	30	note	note	VERB
ajbmeb-1707	107	31	that	that	SCONJ
ajbmeb-1707	107	32	the	the	DET
ajbmeb-1707	107	33	number	number	NOUN
ajbmeb-1707	107	34	of	of	ADP
ajbmeb-1707	107	35	females	female	NOUN
ajbmeb-1707	107	36	constitutes	constitute	VERB
ajbmeb-1707	107	37	about	about	ADV
ajbmeb-1707	107	38	twice	twice	DET
ajbmeb-1707	107	39	the	the	DET
ajbmeb-1707	107	40	number	number	NOUN
ajbmeb-1707	107	41	of	of	ADP
ajbmeb-1707	107	42	males	male	NOUN
ajbmeb-1707	107	43	from	from	ADP
ajbmeb-1707	107	44	the	the	DET
ajbmeb-1707	107	45	size	size	NOUN
ajbmeb-1707	107	46	of	of	ADP
ajbmeb-1707	107	47	the	the	DET
ajbmeb-1707	107	48	sample	sample	NOUN
ajbmeb-1707	107	49	studied	study	VERB
ajbmeb-1707	107	50	.	.	PUNCT
ajbmeb-1707	108	1	the	the	DET
ajbmeb-1707	108	2	percentage	percentage	NOUN
ajbmeb-1707	108	3	of	of	ADP
ajbmeb-1707	108	4	females	female	NOUN
ajbmeb-1707	108	5	from	from	ADP
ajbmeb-1707	108	6	the	the	DET
ajbmeb-1707	108	7	size	size	NOUN
ajbmeb-1707	108	8	of	of	ADP
ajbmeb-1707	108	9	the	the	DET
ajbmeb-1707	108	10	total	total	ADJ
ajbmeb-1707	108	11	sample	sample	NOUN
ajbmeb-1707	108	12	reached	reach	VERB
ajbmeb-1707	108	13	70	70	NUM
ajbmeb-1707	108	14	%	%	NOUN
ajbmeb-1707	108	15	,	,	PUNCT
ajbmeb-1707	108	16	while	while	SCONJ
ajbmeb-1707	108	17	the	the	DET
ajbmeb-1707	108	18	size	size	NOUN
ajbmeb-1707	108	19	of	of	ADP
ajbmeb-1707	108	20	the	the	DET
ajbmeb-1707	108	21	number	number	NOUN
ajbmeb-1707	108	22	of	of	ADP
ajbmeb-1707	108	23	males	male	NOUN
ajbmeb-1707	108	24	reached	reach	VERB
ajbmeb-1707	108	25	30	30	NUM
ajbmeb-1707	108	26	%	%	NOUN
ajbmeb-1707	108	27	of	of	ADP
ajbmeb-1707	108	28	the	the	DET
ajbmeb-1707	108	29	size	size	NOUN
ajbmeb-1707	108	30	of	of	ADP
ajbmeb-1707	108	31	the	the	DET
ajbmeb-1707	108	32	total	total	ADJ
ajbmeb-1707	108	33	sample	sample	NOUN
ajbmeb-1707	108	34	.	.	PUNCT
ajbmeb-1707	109	1	figure	figure	VERB
ajbmeb-1707	109	2	no	no	INTJ
ajbmeb-1707	109	3	.	.	PUNCT
ajbmeb-1707	110	1	(	(	PUNCT
ajbmeb-1707	110	2	1	1	X
ajbmeb-1707	110	3	)	)	PUNCT
ajbmeb-1707	110	4	shows	show	VERB
ajbmeb-1707	110	5	the	the	DET
ajbmeb-1707	110	6	size	size	NOUN
ajbmeb-1707	110	7	of	of	ADP
ajbmeb-1707	110	8	the	the	DET
ajbmeb-1707	110	9	research	research	NOUN
ajbmeb-1707	110	10	sample	sample	NOUN
ajbmeb-1707	110	11	according	accord	VERB
ajbmeb-1707	110	12	to	to	ADP
ajbmeb-1707	110	13	the	the	DET
ajbmeb-1707	110	14	gender	gender	NOUN
ajbmeb-1707	110	15	variable	variable	ADJ
ajbmeb-1707	110	16	table	table	NOUN
ajbmeb-1707	110	17	no	no	INTJ
ajbmeb-1707	110	18	.	.	PUNCT
ajbmeb-1707	111	1	(	(	PUNCT
ajbmeb-1707	111	2	2	2	X
ajbmeb-1707	111	3	)	)	PUNCT
ajbmeb-1707	111	4	shows	show	VERB
ajbmeb-1707	111	5	the	the	DET
ajbmeb-1707	111	6	size	size	NOUN
ajbmeb-1707	111	7	of	of	ADP
ajbmeb-1707	111	8	the	the	DET
ajbmeb-1707	111	9	research	research	NOUN
ajbmeb-1707	111	10	sample	sample	NOUN
ajbmeb-1707	111	11	according	accord	VERB
ajbmeb-1707	111	12	to	to	ADP
ajbmeb-1707	111	13	the	the	DET
ajbmeb-1707	111	14	age	age	NOUN
ajbmeb-1707	111	15	variable	variable	ADJ
ajbmeb-1707	111	16	age	age	NOUN
ajbmeb-1707	111	17	male	male	NOUN
ajbmeb-1707	111	18	ratio	ratio	NOUN
ajbmeb-1707	111	19	females	female	NOUN
ajbmeb-1707	111	20	ratio	ratio	VERB
ajbmeb-1707	111	21	less	less	ADJ
ajbmeb-1707	111	22	than	than	ADP
ajbmeb-1707	111	23	30	30	NUM
ajbmeb-1707	111	24	years	year	NOUN
ajbmeb-1707	111	25	old	old	ADJ
ajbmeb-1707	111	26	9	9	NUM
ajbmeb-1707	111	27	66	66	NUM
ajbmeb-1707	111	28	%	%	NOUN
ajbmeb-1707	111	29	7	7	NUM
ajbmeb-1707	111	30	20	20	NUM
ajbmeb-1707	111	31	%	%	NOUN
ajbmeb-1707	111	32	from	from	ADP
ajbmeb-1707	111	33	36	36	NUM
ajbmeb-1707	111	34	-	-	SYM
ajbmeb-1707	111	35	42	42	NUM
ajbmeb-1707	111	36	years	year	NOUN
ajbmeb-1707	111	37	old	old	ADJ
ajbmeb-1707	111	38	2	2	NUM
ajbmeb-1707	111	39	13	13	NUM
ajbmeb-1707	111	40	%	%	NOUN
ajbmeb-1707	111	41	14	14	NUM
ajbmeb-1707	111	42	40	40	NUM
ajbmeb-1707	111	43	%	%	NOUN
ajbmeb-1707	111	44	from	from	ADP
ajbmeb-1707	111	45	42	42	NUM
ajbmeb-1707	111	46	-	-	SYM
ajbmeb-1707	111	47	47	47	NUM
ajbmeb-1707	111	48	years	year	NOUN
ajbmeb-1707	111	49	old	old	ADJ
ajbmeb-1707	111	50	1	1	NUM
ajbmeb-1707	111	51	1	1	NUM
ajbmeb-1707	111	52	%	%	NOUN
ajbmeb-1707	111	53	8	8	NUM
ajbmeb-1707	111	54	23	23	NUM
ajbmeb-1707	111	55	%	%	NOUN
ajbmeb-1707	111	56	more	more	ADJ
ajbmeb-1707	111	57	than	than	ADP
ajbmeb-1707	111	58	48	48	NUM
ajbmeb-1707	111	59	years	year	NOUN
ajbmeb-1707	111	60	3	3	NUM
ajbmeb-1707	111	61	20	20	NUM
ajbmeb-1707	111	62	%	%	NOUN
ajbmeb-1707	111	63	6	6	NUM
ajbmeb-1707	111	64	17	17	NUM
ajbmeb-1707	111	65	%	%	NOUN
ajbmeb-1707	111	66	the	the	DET
ajbmeb-1707	111	67	total	total	ADJ
ajbmeb-1707	111	68	15	15	NUM
ajbmeb-1707	111	69	100	100	NUM
ajbmeb-1707	111	70	%	%	NOUN
ajbmeb-1707	111	71	35	35	NUM
ajbmeb-1707	111	72	100	100	NUM
ajbmeb-1707	111	73	%	%	NOUN
ajbmeb-1707	111	74	through	through	ADP
ajbmeb-1707	111	75	table	table	NOUN
ajbmeb-1707	111	76	no	no	PROPN
ajbmeb-1707	111	77	.	.	PUNCT
ajbmeb-1707	112	1	(	(	PUNCT
ajbmeb-1707	112	2	2	2	X
ajbmeb-1707	112	3	)	)	PUNCT
ajbmeb-1707	112	4	we	we	PRON
ajbmeb-1707	112	5	note	note	VERB
ajbmeb-1707	112	6	that	that	SCONJ
ajbmeb-1707	112	7	the	the	DET
ajbmeb-1707	112	8	young	young	ADJ
ajbmeb-1707	112	9	group	group	NOUN
ajbmeb-1707	112	10	of	of	ADP
ajbmeb-1707	112	11	iraqi	iraqi	ADJ
ajbmeb-1707	112	12	bank	bank	NOUN
ajbmeb-1707	112	13	employees	employee	NOUN
ajbmeb-1707	112	14	represents	represent	VERB
ajbmeb-1707	112	15	the	the	DET
ajbmeb-1707	112	16	majority	majority	NOUN
ajbmeb-1707	112	17	of	of	ADP
ajbmeb-1707	112	18	the	the	DET
ajbmeb-1707	112	19	research	research	NOUN
ajbmeb-1707	112	20	sample	sample	NOUN
ajbmeb-1707	112	21	.	.	PUNCT
ajbmeb-1707	113	1	35	35	NUM
ajbmeb-1707	113	2	15	15	NUM
ajbmeb-1707	113	3	gender	gender	NOUN
ajbmeb-1707	113	4	american	american	PROPN
ajbmeb-1707	113	5	journal	journal	PROPN
ajbmeb-1707	113	6	of	of	ADP
ajbmeb-1707	113	7	business	business	NOUN
ajbmeb-1707	113	8	management	management	NOUN
ajbmeb-1707	113	9	,	,	PUNCT
ajbmeb-1707	113	10	economics	economic	NOUN
ajbmeb-1707	113	11	and	and	CCONJ
ajbmeb-1707	113	12	banking	banking	NOUN
ajbmeb-1707	113	13	volume	volume	NOUN
ajbmeb-1707	113	14	20	20	NUM
ajbmeb-1707	113	15	january	january	PROPN
ajbmeb-1707	113	16	,	,	PUNCT
ajbmeb-1707	113	17	2024	2024	NUM
ajbmeb-1707	113	18	p	p	NOUN
ajbmeb-1707	113	19	a	a	DET
ajbmeb-1707	113	20	g	g	NOUN
ajbmeb-1707	113	21	e	e	NOUN
ajbmeb-1707	113	22	|	|	ADV
ajbmeb-1707	113	23	18	18	NUM
ajbmeb-1707	113	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	113	25	figure	figure	NOUN
ajbmeb-1707	113	26	no	no	INTJ
ajbmeb-1707	113	27	.	.	PUNCT
ajbmeb-1707	114	1	(	(	PUNCT
ajbmeb-1707	114	2	2	2	X
ajbmeb-1707	114	3	)	)	PUNCT
ajbmeb-1707	114	4	shows	show	VERB
ajbmeb-1707	114	5	the	the	DET
ajbmeb-1707	114	6	size	size	NOUN
ajbmeb-1707	114	7	of	of	ADP
ajbmeb-1707	114	8	the	the	DET
ajbmeb-1707	114	9	research	research	NOUN
ajbmeb-1707	114	10	sample	sample	NOUN
ajbmeb-1707	114	11	according	accord	VERB
ajbmeb-1707	114	12	to	to	ADP
ajbmeb-1707	114	13	the	the	DET
ajbmeb-1707	114	14	age	age	NOUN
ajbmeb-1707	114	15	variable	variable	ADJ
ajbmeb-1707	114	16	table	table	NOUN
ajbmeb-1707	114	17	no	no	INTJ
ajbmeb-1707	114	18	.	.	PUNCT
ajbmeb-1707	115	1	(	(	PUNCT
ajbmeb-1707	115	2	3	3	X
ajbmeb-1707	115	3	)	)	PUNCT
ajbmeb-1707	115	4	shows	show	VERB
ajbmeb-1707	115	5	the	the	DET
ajbmeb-1707	115	6	sample	sample	NOUN
ajbmeb-1707	115	7	size	size	NOUN
ajbmeb-1707	115	8	according	accord	VERB
ajbmeb-1707	115	9	to	to	ADP
ajbmeb-1707	115	10	the	the	DET
ajbmeb-1707	115	11	academic	academic	ADJ
ajbmeb-1707	115	12	achievement	achievement	NOUN
ajbmeb-1707	115	13	variable	variable	ADJ
ajbmeb-1707	115	14	educational	educational	ADJ
ajbmeb-1707	115	15	level	level	NOUN
ajbmeb-1707	115	16	male	male	NOUN
ajbmeb-1707	115	17	ratio	ratio	NOUN
ajbmeb-1707	115	18	females	female	NOUN
ajbmeb-1707	115	19	ratio	ratio	PROPN
ajbmeb-1707	115	20	bachelor	bachelor	PROPN
ajbmeb-1707	115	21	's	's	PART
ajbmeb-1707	115	22	degree	degree	NOUN
ajbmeb-1707	115	23	or	or	CCONJ
ajbmeb-1707	115	24	equivalent	equivalent	ADJ
ajbmeb-1707	115	25	5	5	NUM
ajbmeb-1707	115	26	33	33	NUM
ajbmeb-1707	115	27	%	%	NOUN
ajbmeb-1707	115	28	20	20	NUM
ajbmeb-1707	115	29	57	57	NUM
ajbmeb-1707	115	30	%	%	NOUN
ajbmeb-1707	115	31	higher	high	ADJ
ajbmeb-1707	115	32	diploma	diploma	NOUN
ajbmeb-1707	115	33	7	7	NUM
ajbmeb-1707	115	34	47	47	NUM
ajbmeb-1707	115	35	%	%	NOUN
ajbmeb-1707	115	36	11	11	NUM
ajbmeb-1707	115	37	31	31	NUM
ajbmeb-1707	115	38	%	%	NOUN
ajbmeb-1707	115	39	master	master	NOUN
ajbmeb-1707	115	40	's	's	PART
ajbmeb-1707	115	41	1	1	NUM
ajbmeb-1707	115	42	7	7	NUM
ajbmeb-1707	115	43	%	%	NOUN
ajbmeb-1707	115	44	2	2	NUM
ajbmeb-1707	115	45	6	6	NUM
ajbmeb-1707	115	46	%	%	NOUN
ajbmeb-1707	115	47	ph.d	ph.d	PROPN
ajbmeb-1707	115	48	.	.	PROPN
ajbmeb-1707	116	1	2	2	NUM
ajbmeb-1707	116	2	13	13	NUM
ajbmeb-1707	116	3	%	%	NOUN
ajbmeb-1707	116	4	2	2	NUM
ajbmeb-1707	116	5	6	6	NUM
ajbmeb-1707	116	6	%	%	NOUN
ajbmeb-1707	116	7	the	the	DET
ajbmeb-1707	116	8	total	total	ADJ
ajbmeb-1707	116	9	15	15	NUM
ajbmeb-1707	116	10	100	100	NUM
ajbmeb-1707	116	11	%	%	NOUN
ajbmeb-1707	116	12	35	35	NUM
ajbmeb-1707	116	13	100	100	NUM
ajbmeb-1707	116	14	%	%	NOUN
ajbmeb-1707	116	15	from	from	ADP
ajbmeb-1707	116	16	table	table	NOUN
ajbmeb-1707	116	17	no	no	NOUN
ajbmeb-1707	116	18	.	.	PUNCT
ajbmeb-1707	117	1	(	(	PUNCT
ajbmeb-1707	117	2	3	3	NUM
ajbmeb-1707	117	3	)	)	PUNCT
ajbmeb-1707	117	4	,	,	PUNCT
ajbmeb-1707	117	5	we	we	PRON
ajbmeb-1707	117	6	note	note	VERB
ajbmeb-1707	117	7	that	that	SCONJ
ajbmeb-1707	117	8	the	the	DET
ajbmeb-1707	117	9	percentage	percentage	NOUN
ajbmeb-1707	117	10	of	of	ADP
ajbmeb-1707	117	11	females	female	NOUN
ajbmeb-1707	117	12	reached	reach	VERB
ajbmeb-1707	117	13	57	57	NUM
ajbmeb-1707	117	14	%	%	NOUN
ajbmeb-1707	117	15	of	of	ADP
ajbmeb-1707	117	16	those	those	PRON
ajbmeb-1707	117	17	holding	hold	VERB
ajbmeb-1707	117	18	a	a	DET
ajbmeb-1707	117	19	bachelor	bachelor	NOUN
ajbmeb-1707	117	20	’s	’s	PART
ajbmeb-1707	117	21	degree	degree	NOUN
ajbmeb-1707	117	22	,	,	PUNCT
ajbmeb-1707	117	23	while	while	SCONJ
ajbmeb-1707	117	24	the	the	DET
ajbmeb-1707	117	25	number	number	NOUN
ajbmeb-1707	117	26	of	of	ADP
ajbmeb-1707	117	27	males	male	NOUN
ajbmeb-1707	117	28	reached	reach	VERB
ajbmeb-1707	117	29	33	33	NUM
ajbmeb-1707	117	30	%	%	NOUN
ajbmeb-1707	117	31	.	.	PUNCT
ajbmeb-1707	118	1	figure	figure	VERB
ajbmeb-1707	118	2	no	no	INTJ
ajbmeb-1707	118	3	.	.	PUNCT
ajbmeb-1707	119	1	(	(	PUNCT
ajbmeb-1707	119	2	3	3	X
ajbmeb-1707	119	3	)	)	PUNCT
ajbmeb-1707	119	4	shows	show	VERB
ajbmeb-1707	119	5	the	the	DET
ajbmeb-1707	119	6	sample	sample	NOUN
ajbmeb-1707	119	7	size	size	NOUN
ajbmeb-1707	119	8	according	accord	VERB
ajbmeb-1707	119	9	to	to	ADP
ajbmeb-1707	119	10	the	the	DET
ajbmeb-1707	119	11	academic	academic	ADJ
ajbmeb-1707	119	12	achievement	achievement	NOUN
ajbmeb-1707	119	13	variable	variable	NOUN
ajbmeb-1707	119	14	.	.	PUNCT
ajbmeb-1707	120	1	first	first	ADV
ajbmeb-1707	120	2	:	:	PUNCT
ajbmeb-1707	120	3	testing	test	VERB
ajbmeb-1707	120	4	the	the	DET
ajbmeb-1707	120	5	normal	normal	ADJ
ajbmeb-1707	120	6	distribution	distribution	NOUN
ajbmeb-1707	120	7	of	of	ADP
ajbmeb-1707	120	8	the	the	DET
ajbmeb-1707	120	9	data	datum	NOUN
ajbmeb-1707	120	10	(	(	PUNCT
ajbmeb-1707	120	11	one	one	NUM
ajbmeb-1707	120	12	sample	sample	NOUN
ajbmeb-1707	120	13	kolmogorov	kolmogorov	ADJ
ajbmeb-1707	120	14	-	-	PUNCT
ajbmeb-1707	120	15	smirnov	smirnov	ADJ
ajbmeb-1707	120	16	test	test	NOUN
ajbmeb-1707	120	17	)	)	PUNCT
ajbmeb-1707	120	18	was	be	AUX
ajbmeb-1707	120	19	relied	rely	VERB
ajbmeb-1707	120	20	upon	upon	SCONJ
ajbmeb-1707	120	21	to	to	PART
ajbmeb-1707	120	22	test	test	VERB
ajbmeb-1707	120	23	the	the	DET
ajbmeb-1707	120	24	normal	normal	ADJ
ajbmeb-1707	120	25	distribution	distribution	NOUN
ajbmeb-1707	120	26	of	of	ADP
ajbmeb-1707	120	27	the	the	DET
ajbmeb-1707	120	28	data	datum	NOUN
ajbmeb-1707	120	29	,	,	PUNCT
ajbmeb-1707	120	30	and	and	CCONJ
ajbmeb-1707	120	31	the	the	DET
ajbmeb-1707	120	32	results	result	NOUN
ajbmeb-1707	120	33	showed	show	VERB
ajbmeb-1707	120	34	that	that	SCONJ
ajbmeb-1707	120	35	the	the	DET
ajbmeb-1707	120	36	value	value	NOUN
ajbmeb-1707	120	37	of	of	ADP
ajbmeb-1707	120	38	(	(	PUNCT
ajbmeb-1707	120	39	asmp	asmp	PROPN
ajbmeb-1707	120	40	.	.	PUNCT
ajbmeb-1707	121	1	sig	sig	PROPN
ajbmeb-1707	121	2	.	.	PUNCT
ajbmeb-1707	122	1	(	(	PUNCT
ajbmeb-1707	122	2	2	2	NUM
ajbmeb-1707	122	3	-	-	PUNCT
ajbmeb-1707	122	4	tailed	tail	VERB
ajbmeb-1707	122	5	)	)	PUNCT
ajbmeb-1707	123	1	is	be	AUX
ajbmeb-1707	123	2	as	as	SCONJ
ajbmeb-1707	123	3	shown	show	VERB
ajbmeb-1707	123	4	in	in	ADP
ajbmeb-1707	123	5	table	table	NOUN
ajbmeb-1707	123	6	(	(	PUNCT
ajbmeb-1707	123	7	4	4	NUM
ajbmeb-1707	123	8	)	)	PUNCT
ajbmeb-1707	123	9	,	,	PUNCT
ajbmeb-1707	123	10	which	which	PRON
ajbmeb-1707	123	11	means	mean	VERB
ajbmeb-1707	123	12	0	0	NUM
ajbmeb-1707	123	13	2	2	NUM
ajbmeb-1707	123	14	4	4	NUM
ajbmeb-1707	123	15	6	6	NUM
ajbmeb-1707	123	16	8	8	NUM
ajbmeb-1707	123	17	10	10	NUM
ajbmeb-1707	123	18	12	12	NUM
ajbmeb-1707	123	19	14	14	NUM
ajbmeb-1707	123	20	9	9	NUM
ajbmeb-1707	123	21	2	2	NUM
ajbmeb-1707	123	22	1	1	NUM
ajbmeb-1707	123	23	3	3	NUM
ajbmeb-1707	123	24	7	7	NUM
ajbmeb-1707	123	25	14	14	NUM
ajbmeb-1707	123	26	8	8	NUM
ajbmeb-1707	123	27	6	6	NUM
ajbmeb-1707	123	28	age	age	NOUN
ajbmeb-1707	123	29	0	0	NUM
ajbmeb-1707	123	30	5	5	NUM
ajbmeb-1707	123	31	10	10	NUM
ajbmeb-1707	123	32	15	15	NUM
ajbmeb-1707	123	33	20	20	NUM
ajbmeb-1707	123	34	5	5	NUM
ajbmeb-1707	123	35	7	7	NUM
ajbmeb-1707	123	36	1	1	NUM
ajbmeb-1707	123	37	2	2	NUM
ajbmeb-1707	123	38	20	20	NUM
ajbmeb-1707	123	39	11	11	NUM
ajbmeb-1707	123	40	2	2	NUM
ajbmeb-1707	123	41	2	2	NUM
ajbmeb-1707	123	42	american	american	ADJ
ajbmeb-1707	123	43	journal	journal	NOUN
ajbmeb-1707	123	44	of	of	ADP
ajbmeb-1707	123	45	business	business	NOUN
ajbmeb-1707	123	46	management	management	NOUN
ajbmeb-1707	123	47	,	,	PUNCT
ajbmeb-1707	123	48	economics	economic	NOUN
ajbmeb-1707	123	49	and	and	CCONJ
ajbmeb-1707	123	50	banking	banking	NOUN
ajbmeb-1707	123	51	volume	volume	NOUN
ajbmeb-1707	123	52	20	20	NUM
ajbmeb-1707	123	53	january	january	PROPN
ajbmeb-1707	123	54	,	,	PUNCT
ajbmeb-1707	123	55	2024	2024	NUM
ajbmeb-1707	123	56	p	p	NOUN
ajbmeb-1707	123	57	a	a	DET
ajbmeb-1707	123	58	g	g	NOUN
ajbmeb-1707	123	59	e	e	NOUN
ajbmeb-1707	123	60	|	|	ADV
ajbmeb-1707	123	61	19	19	NUM
ajbmeb-1707	123	62	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	123	63	that	that	SCONJ
ajbmeb-1707	123	64	there	there	PRON
ajbmeb-1707	123	65	are	be	VERB
ajbmeb-1707	123	66	no	no	DET
ajbmeb-1707	123	67	statistically	statistically	ADV
ajbmeb-1707	123	68	significant	significant	ADJ
ajbmeb-1707	123	69	differences	difference	NOUN
ajbmeb-1707	123	70	between	between	ADP
ajbmeb-1707	123	71	the	the	DET
ajbmeb-1707	123	72	distribution	distribution	NOUN
ajbmeb-1707	123	73	variable	variable	ADJ
ajbmeb-1707	123	74	values	value	NOUN
ajbmeb-1707	123	75	and	and	CCONJ
ajbmeb-1707	123	76	normal	normal	ADJ
ajbmeb-1707	123	77	distribution	distribution	NOUN
ajbmeb-1707	123	78	.	.	PUNCT
ajbmeb-1707	124	1	table	table	NOUN
ajbmeb-1707	124	2	no	no	INTJ
ajbmeb-1707	124	3	.	.	PUNCT
ajbmeb-1707	125	1	(	(	PUNCT
ajbmeb-1707	125	2	4	4	X
ajbmeb-1707	125	3	)	)	PUNCT
ajbmeb-1707	125	4	normal	normal	ADJ
ajbmeb-1707	125	5	distribution	distribution	NOUN
ajbmeb-1707	125	6	of	of	ADP
ajbmeb-1707	125	7	data	datum	NOUN
ajbmeb-1707	125	8	n	n	X
ajbmeb-1707	125	9	posterior	posterior	ADJ
ajbmeb-1707	125	10	95	95	NUM
ajbmeb-1707	125	11	%	%	NOUN
ajbmeb-1707	125	12	credible	credible	ADJ
ajbmeb-1707	125	13	interval	interval	NOUN
ajbmeb-1707	125	14	mode	mode	NOUN
ajbmeb-1707	125	15	mean	mean	NOUN
ajbmeb-1707	125	16	variance	variance	NOUN
ajbmeb-1707	125	17	lower	lower	ADV
ajbmeb-1707	125	18	bound	bind	VERB
ajbmeb-1707	125	19	upper	upper	ADV
ajbmeb-1707	125	20	bound	bind	VERB
ajbmeb-1707	125	21	the	the	DET
ajbmeb-1707	125	22	age	age	NOUN
ajbmeb-1707	125	23	50	50	NUM
ajbmeb-1707	125	24	1.2857	1.2857	NUM
ajbmeb-1707	125	25	1.2857	1.2857	NUM
ajbmeb-1707	125	26	.003	.003	NUM
ajbmeb-1707	125	27	1.1858	1.1858	NUM
ajbmeb-1707	125	28	1.3856	1.3856	NUM
ajbmeb-1707	125	29	gender	gender	NOUN
ajbmeb-1707	125	30	50	50	NUM
ajbmeb-1707	125	31	2.2976	2.2976	NUM
ajbmeb-1707	125	32	2.2976	2.2976	NUM
ajbmeb-1707	125	33	.015	.015	NUM
ajbmeb-1707	125	34	2.0594	2.0594	NUM
ajbmeb-1707	125	35	2.5359	2.5359	NUM
ajbmeb-1707	125	36	academic	academic	ADJ
ajbmeb-1707	125	37	achievement	achievement	NOUN
ajbmeb-1707	125	38	50	50	NUM
ajbmeb-1707	125	39	2.6071	2.6071	NUM
ajbmeb-1707	125	40	2.6071	2.6071	NUM
ajbmeb-1707	125	41	.017	.017	NUM
ajbmeb-1707	125	42	2.3496	2.3496	NUM
ajbmeb-1707	125	43	2.8647	2.8647	NUM
ajbmeb-1707	125	44	from	from	ADP
ajbmeb-1707	125	45	your	your	PRON
ajbmeb-1707	125	46	point	point	NOUN
ajbmeb-1707	125	47	of	of	ADP
ajbmeb-1707	125	48	view	view	NOUN
ajbmeb-1707	125	49	,	,	PUNCT
ajbmeb-1707	125	50	banks	bank	NOUN
ajbmeb-1707	125	51	must	must	AUX
ajbmeb-1707	125	52	adopt	adopt	VERB
ajbmeb-1707	125	53	a	a	DET
ajbmeb-1707	125	54	strategy	strategy	NOUN
ajbmeb-1707	125	55	for	for	ADP
ajbmeb-1707	125	56	the	the	DET
ajbmeb-1707	125	57	digital	digital	ADJ
ajbmeb-1707	125	58	transformation	transformation	NOUN
ajbmeb-1707	125	59	of	of	ADP
ajbmeb-1707	125	60	banking	banking	NOUN
ajbmeb-1707	125	61	services	service	NOUN
ajbmeb-1707	125	62	that	that	PRON
ajbmeb-1707	125	63	enables	enable	VERB
ajbmeb-1707	125	64	them	they	PRON
ajbmeb-1707	125	65	to	to	PART
ajbmeb-1707	125	66	benefit	benefit	VERB
ajbmeb-1707	125	67	from	from	ADP
ajbmeb-1707	125	68	technological	technological	ADJ
ajbmeb-1707	125	69	development	development	NOUN
ajbmeb-1707	125	70	and	and	CCONJ
ajbmeb-1707	125	71	maintain	maintain	VERB
ajbmeb-1707	125	72	their	their	PRON
ajbmeb-1707	125	73	market	market	NOUN
ajbmeb-1707	125	74	share	share	NOUN
ajbmeb-1707	125	75	.	.	PUNCT
ajbmeb-1707	126	1	50	50	NUM
ajbmeb-1707	126	2	2.5238	2.5238	NUM
ajbmeb-1707	126	3	2.5238	2.5238	NUM
ajbmeb-1707	126	4	.015	.015	NUM
ajbmeb-1707	126	5	2.2814	2.2814	NUM
ajbmeb-1707	126	6	2.7662	2.7662	NUM
ajbmeb-1707	126	7	obtaining	obtain	VERB
ajbmeb-1707	126	8	market	market	NOUN
ajbmeb-1707	126	9	share	share	NOUN
ajbmeb-1707	126	10	in	in	ADP
ajbmeb-1707	126	11	the	the	DET
ajbmeb-1707	126	12	banking	banking	NOUN
ajbmeb-1707	126	13	sector	sector	NOUN
ajbmeb-1707	126	14	has	have	AUX
ajbmeb-1707	126	15	become	become	VERB
ajbmeb-1707	126	16	dependent	dependent	ADJ
ajbmeb-1707	126	17	on	on	ADP
ajbmeb-1707	126	18	the	the	DET
ajbmeb-1707	126	19	extent	extent	NOUN
ajbmeb-1707	126	20	of	of	ADP
ajbmeb-1707	126	21	banks	bank	NOUN
ajbmeb-1707	126	22	’	'	PUNCT
ajbmeb-1707	126	23	success	success	NOUN
ajbmeb-1707	126	24	in	in	ADP
ajbmeb-1707	126	25	attracting	attract	VERB
ajbmeb-1707	126	26	and	and	CCONJ
ajbmeb-1707	126	27	developing	develop	VERB
ajbmeb-1707	126	28	workers	worker	NOUN
ajbmeb-1707	126	29	with	with	ADP
ajbmeb-1707	126	30	the	the	DET
ajbmeb-1707	126	31	appropriate	appropriate	ADJ
ajbmeb-1707	126	32	competencies	competency	NOUN
ajbmeb-1707	126	33	to	to	PART
ajbmeb-1707	126	34	keep	keep	VERB
ajbmeb-1707	126	35	pace	pace	NOUN
ajbmeb-1707	126	36	with	with	ADP
ajbmeb-1707	126	37	developments	development	NOUN
ajbmeb-1707	126	38	in	in	ADP
ajbmeb-1707	126	39	the	the	DET
ajbmeb-1707	126	40	digital	digital	ADJ
ajbmeb-1707	126	41	age	age	NOUN
ajbmeb-1707	126	42	.	.	PUNCT
ajbmeb-1707	127	1	50	50	NUM
ajbmeb-1707	127	2	2.5595	2.5595	NUM
ajbmeb-1707	127	3	2.5595	2.5595	NUM
ajbmeb-1707	127	4	.018	.018	NUM
ajbmeb-1707	127	5	2.2923	2.2923	NUM
ajbmeb-1707	127	6	2.8267	2.8267	NUM
ajbmeb-1707	127	7	digital	digital	ADJ
ajbmeb-1707	127	8	transformation	transformation	NOUN
ajbmeb-1707	127	9	of	of	ADP
ajbmeb-1707	127	10	banking	banking	NOUN
ajbmeb-1707	127	11	activities	activity	NOUN
ajbmeb-1707	127	12	creates	create	VERB
ajbmeb-1707	127	13	more	more	ADJ
ajbmeb-1707	127	14	jobs	job	NOUN
ajbmeb-1707	127	15	than	than	SCONJ
ajbmeb-1707	127	16	it	it	PRON
ajbmeb-1707	127	17	destroys	destroy	VERB
ajbmeb-1707	127	18	50	50	NUM
ajbmeb-1707	127	19	2.7738	2.7738	NUM
ajbmeb-1707	127	20	2.7738	2.7738	NUM
ajbmeb-1707	127	21	.017	.017	NUM
ajbmeb-1707	127	22	2.5200	2.5200	NUM
ajbmeb-1707	127	23	3.0276	3.0276	NUM
ajbmeb-1707	127	24	the	the	DET
ajbmeb-1707	127	25	human	human	ADJ
ajbmeb-1707	127	26	element	element	NOUN
ajbmeb-1707	127	27	is	be	AUX
ajbmeb-1707	127	28	considered	consider	VERB
ajbmeb-1707	127	29	the	the	DET
ajbmeb-1707	127	30	most	most	ADV
ajbmeb-1707	127	31	important	important	ADJ
ajbmeb-1707	127	32	asset	asset	NOUN
ajbmeb-1707	127	33	of	of	ADP
ajbmeb-1707	127	34	the	the	DET
ajbmeb-1707	127	35	institution	institution	NOUN
ajbmeb-1707	127	36	and	and	CCONJ
ajbmeb-1707	127	37	one	one	NUM
ajbmeb-1707	127	38	of	of	ADP
ajbmeb-1707	127	39	the	the	DET
ajbmeb-1707	127	40	most	most	ADV
ajbmeb-1707	127	41	important	important	ADJ
ajbmeb-1707	127	42	components	component	NOUN
ajbmeb-1707	127	43	to	to	PART
ajbmeb-1707	127	44	enable	enable	VERB
ajbmeb-1707	127	45	the	the	DET
ajbmeb-1707	127	46	bank	bank	NOUN
ajbmeb-1707	127	47	to	to	PART
ajbmeb-1707	127	48	digitally	digitally	ADV
ajbmeb-1707	127	49	transform	transform	VERB
ajbmeb-1707	127	50	and	and	CCONJ
ajbmeb-1707	127	51	keep	keep	VERB
ajbmeb-1707	127	52	pace	pace	NOUN
ajbmeb-1707	127	53	with	with	ADP
ajbmeb-1707	127	54	developments	development	NOUN
ajbmeb-1707	127	55	in	in	ADP
ajbmeb-1707	127	56	the	the	DET
ajbmeb-1707	127	57	digital	digital	ADJ
ajbmeb-1707	127	58	age	age	NOUN
ajbmeb-1707	127	59	50	50	NUM
ajbmeb-1707	127	60	2.8690	2.8690	NUM
ajbmeb-1707	127	61	2.8690	2.8690	NUM
ajbmeb-1707	127	62	.024	.024	NUM
ajbmeb-1707	127	63	2.5625	2.5625	NUM
ajbmeb-1707	127	64	3.1756	3.1756	NUM
ajbmeb-1707	127	65	serious	serious	ADJ
ajbmeb-1707	127	66	steps	step	NOUN
ajbmeb-1707	127	67	must	must	AUX
ajbmeb-1707	127	68	begin	begin	VERB
ajbmeb-1707	127	69	to	to	PART
ajbmeb-1707	127	70	be	be	AUX
ajbmeb-1707	127	71	taken	take	VERB
ajbmeb-1707	127	72	to	to	PART
ajbmeb-1707	127	73	digitally	digitally	ADV
ajbmeb-1707	127	74	transform	transform	VERB
ajbmeb-1707	127	75	banking	banking	NOUN
ajbmeb-1707	127	76	activities	activity	NOUN
ajbmeb-1707	127	77	,	,	PUNCT
ajbmeb-1707	127	78	even	even	ADV
ajbmeb-1707	127	79	in	in	ADP
ajbmeb-1707	127	80	the	the	DET
ajbmeb-1707	127	81	absence	absence	NOUN
ajbmeb-1707	127	82	of	of	ADP
ajbmeb-1707	127	83	a	a	DET
ajbmeb-1707	127	84	large	large	ADJ
ajbmeb-1707	127	85	segment	segment	NOUN
ajbmeb-1707	127	86	of	of	ADP
ajbmeb-1707	127	87	customers	customer	NOUN
ajbmeb-1707	127	88	integrating	integrate	VERB
ajbmeb-1707	127	89	into	into	ADP
ajbmeb-1707	127	90	digital	digital	ADJ
ajbmeb-1707	127	91	activities	activity	NOUN
ajbmeb-1707	127	92	.	.	PUNCT
ajbmeb-1707	128	1	50	50	NUM
ajbmeb-1707	128	2	1.8214	1.8214	NUM
ajbmeb-1707	128	3	1.8214	1.8214	NUM
ajbmeb-1707	128	4	.020	.020	NUM
ajbmeb-1707	128	5	1.5440	1.5440	NUM
ajbmeb-1707	128	6	2.0989	2.0989	NUM
ajbmeb-1707	128	7	fintech	fintech	NOUN
ajbmeb-1707	128	8	companies	company	NOUN
ajbmeb-1707	128	9	are	be	AUX
ajbmeb-1707	128	10	competing	compete	VERB
ajbmeb-1707	128	11	with	with	ADP
ajbmeb-1707	128	12	banks	bank	NOUN
ajbmeb-1707	128	13	in	in	ADP
ajbmeb-1707	128	14	providing	provide	VERB
ajbmeb-1707	128	15	financial	financial	ADJ
ajbmeb-1707	128	16	services	service	NOUN
ajbmeb-1707	128	17	to	to	ADP
ajbmeb-1707	128	18	customers	customer	NOUN
ajbmeb-1707	128	19	.	.	PUNCT
ajbmeb-1707	129	1	50	50	NUM
ajbmeb-1707	129	2	2.9405	2.9405	NUM
ajbmeb-1707	129	3	2.9405	2.9405	NUM
ajbmeb-1707	129	4	.023	.023	NUM
ajbmeb-1707	129	5	2.6405	2.6405	NUM
ajbmeb-1707	129	6	3.2405	3.2405	NUM
ajbmeb-1707	129	7	competition	competition	NOUN
ajbmeb-1707	129	8	in	in	ADP
ajbmeb-1707	129	9	the	the	DET
ajbmeb-1707	129	10	field	field	NOUN
ajbmeb-1707	129	11	of	of	ADP
ajbmeb-1707	129	12	financial	financial	ADJ
ajbmeb-1707	129	13	services	service	NOUN
ajbmeb-1707	129	14	has	have	AUX
ajbmeb-1707	129	15	become	become	VERB
ajbmeb-1707	129	16	dependent	dependent	ADJ
ajbmeb-1707	129	17	on	on	ADP
ajbmeb-1707	129	18	the	the	DET
ajbmeb-1707	129	19	elements	element	NOUN
ajbmeb-1707	129	20	of	of	ADP
ajbmeb-1707	129	21	creativity	creativity	NOUN
ajbmeb-1707	129	22	and	and	CCONJ
ajbmeb-1707	129	23	innovation	innovation	NOUN
ajbmeb-1707	129	24	in	in	ADP
ajbmeb-1707	129	25	providing	provide	VERB
ajbmeb-1707	129	26	banking	banking	NOUN
ajbmeb-1707	129	27	services	service	NOUN
ajbmeb-1707	129	28	through	through	ADP
ajbmeb-1707	129	29	innovative	innovative	ADJ
ajbmeb-1707	129	30	electronic	electronic	ADJ
ajbmeb-1707	129	31	channels	channel	NOUN
ajbmeb-1707	129	32	that	that	PRON
ajbmeb-1707	129	33	suit	suit	VERB
ajbmeb-1707	129	34	existing	exist	VERB
ajbmeb-1707	129	35	customers	customer	NOUN
ajbmeb-1707	129	36	and	and	CCONJ
ajbmeb-1707	129	37	attract	attract	VERB
ajbmeb-1707	129	38	new	new	ADJ
ajbmeb-1707	129	39	customers	customer	NOUN
ajbmeb-1707	129	40	to	to	ADP
ajbmeb-1707	129	41	the	the	DET
ajbmeb-1707	129	42	banking	banking	NOUN
ajbmeb-1707	129	43	sector	sector	NOUN
ajbmeb-1707	129	44	.	.	PUNCT
ajbmeb-1707	130	1	50	50	NUM
ajbmeb-1707	130	2	2.5952	2.5952	NUM
ajbmeb-1707	130	3	2.5952	2.5952	NUM
ajbmeb-1707	130	4	.022	.022	NUM
ajbmeb-1707	130	5	2.3035	2.3035	NUM
ajbmeb-1707	130	6	2.8869	2.8869	NUM
ajbmeb-1707	130	7	egyptian	egyptian	ADJ
ajbmeb-1707	130	8	banks	bank	NOUN
ajbmeb-1707	130	9	conduct	conduct	VERB
ajbmeb-1707	130	10	appropriate	appropriate	ADJ
ajbmeb-1707	130	11	training	training	NOUN
ajbmeb-1707	130	12	courses	course	NOUN
ajbmeb-1707	130	13	to	to	PART
ajbmeb-1707	130	14	enable	enable	VERB
ajbmeb-1707	130	15	employees	employee	NOUN
ajbmeb-1707	130	16	to	to	PART
ajbmeb-1707	130	17	keep	keep	VERB
ajbmeb-1707	130	18	pace	pace	NOUN
ajbmeb-1707	130	19	with	with	ADP
ajbmeb-1707	130	20	developments	development	NOUN
ajbmeb-1707	130	21	in	in	ADP
ajbmeb-1707	130	22	the	the	DET
ajbmeb-1707	130	23	digital	digital	ADJ
ajbmeb-1707	130	24	age	age	NOUN
ajbmeb-1707	130	25	50	50	NUM
ajbmeb-1707	130	26	2.6548	2.6548	NUM
ajbmeb-1707	130	27	2.6548	2.6548	NUM
ajbmeb-1707	130	28	.018	.018	NUM
ajbmeb-1707	130	29	2.3894	2.3894	NUM
ajbmeb-1707	130	30	2.9201	2.9201	NUM
ajbmeb-1707	130	31	the	the	DET
ajbmeb-1707	130	32	more	more	ADJ
ajbmeb-1707	130	33	experience	experience	NOUN
ajbmeb-1707	130	34	the	the	DET
ajbmeb-1707	130	35	employee	employee	NOUN
ajbmeb-1707	130	36	has	have	VERB
ajbmeb-1707	130	37	,	,	PUNCT
ajbmeb-1707	130	38	the	the	PRON
ajbmeb-1707	130	39	greater	great	ADJ
ajbmeb-1707	130	40	his	his	PRON
ajbmeb-1707	130	41	ability	ability	NOUN
ajbmeb-1707	130	42	to	to	PART
ajbmeb-1707	130	43	keep	keep	VERB
ajbmeb-1707	130	44	pace	pace	NOUN
ajbmeb-1707	130	45	with	with	ADP
ajbmeb-1707	130	46	the	the	DET
ajbmeb-1707	130	47	requirements	requirement	NOUN
ajbmeb-1707	130	48	of	of	ADP
ajbmeb-1707	130	49	digital	digital	ADJ
ajbmeb-1707	130	50	transformation	transformation	NOUN
ajbmeb-1707	130	51	and	and	CCONJ
ajbmeb-1707	130	52	adapt	adapt	VERB
ajbmeb-1707	130	53	to	to	ADP
ajbmeb-1707	130	54	technological	technological	ADJ
ajbmeb-1707	130	55	activities	activity	NOUN
ajbmeb-1707	130	56	50	50	NUM
ajbmeb-1707	130	57	2.6905	2.6905	NUM
ajbmeb-1707	130	58	2.6905	2.6905	NUM
ajbmeb-1707	130	59	.017	.017	NUM
ajbmeb-1707	130	60	2.4330	2.4330	NUM
ajbmeb-1707	130	61	2.9480	2.9480	NUM
ajbmeb-1707	130	62	atman	atman	NOUN
ajbmeb-1707	130	63	companies	company	NOUN
ajbmeb-1707	130	64	50	50	NUM
ajbmeb-1707	130	65	2.8095	2.8095	NUM
ajbmeb-1707	130	66	2.8095	2.8095	NUM
ajbmeb-1707	130	67	.023	.023	NUM
ajbmeb-1707	130	68	2.5093	2.5093	NUM
ajbmeb-1707	130	69	3.1098	3.1098	NUM
ajbmeb-1707	130	70	regulatory	regulatory	ADJ
ajbmeb-1707	130	71	sectors	sector	NOUN
ajbmeb-1707	130	72	(	(	PUNCT
ajbmeb-1707	130	73	risk	risk	NOUN
ajbmeb-1707	130	74	,	,	PUNCT
ajbmeb-1707	130	75	compliance	compliance	NOUN
ajbmeb-1707	130	76	and	and	CCONJ
ajbmeb-1707	130	77	internal	internal	ADJ
ajbmeb-1707	130	78	governance	governance	NOUN
ajbmeb-1707	130	79	)	)	PUNCT
ajbmeb-1707	130	80	.	.	PUNCT
ajbmeb-1707	131	1	50	50	NUM
ajbmeb-1707	131	2	3.0476	3.0476	NUM
ajbmeb-1707	131	3	3.0476	3.0476	NUM
ajbmeb-1707	131	4	.023	.023	NUM
ajbmeb-1707	131	5	2.7485	2.7485	NUM
ajbmeb-1707	131	6	3.3468	3.3468	NUM
ajbmeb-1707	131	7	for	for	ADP
ajbmeb-1707	131	8	support	support	NOUN
ajbmeb-1707	131	9	sectors	sector	NOUN
ajbmeb-1707	131	10	(	(	PUNCT
ajbmeb-1707	131	11	human	human	ADJ
ajbmeb-1707	131	12	resources	resource	NOUN
ajbmeb-1707	131	13	engineering	engineering	NOUN
ajbmeb-1707	131	14	sector	sector	NOUN
ajbmeb-1707	131	15	)	)	PUNCT
ajbmeb-1707	131	16	.	.	PUNCT
ajbmeb-1707	132	1	50	50	NUM
ajbmeb-1707	132	2	2.2262	2.2262	NUM
ajbmeb-1707	132	3	2.2262	2.2262	NUM
ajbmeb-1707	132	4	.015	.015	NUM
ajbmeb-1707	132	5	1.9841	1.9841	NUM
ajbmeb-1707	132	6	2.4683	2.4683	NUM
ajbmeb-1707	132	7	asset	asset	NOUN
ajbmeb-1707	132	8	management	management	NOUN
ajbmeb-1707	132	9	50	50	NUM
ajbmeb-1707	132	10	2.9405	2.9405	NUM
ajbmeb-1707	132	11	2.9405	2.9405	NUM
ajbmeb-1707	132	12	.022	.022	NUM
ajbmeb-1707	132	13	2.6483	2.6483	NUM
ajbmeb-1707	132	14	3.2326	3.2326	NUM
ajbmeb-1707	132	15	american	american	ADJ
ajbmeb-1707	132	16	journal	journal	PROPN
ajbmeb-1707	132	17	of	of	ADP
ajbmeb-1707	132	18	business	business	NOUN
ajbmeb-1707	132	19	management	management	NOUN
ajbmeb-1707	132	20	,	,	PUNCT
ajbmeb-1707	132	21	economics	economic	NOUN
ajbmeb-1707	132	22	and	and	CCONJ
ajbmeb-1707	132	23	banking	banking	NOUN
ajbmeb-1707	132	24	volume	volume	NOUN
ajbmeb-1707	132	25	20	20	NUM
ajbmeb-1707	132	26	january	january	PROPN
ajbmeb-1707	132	27	,	,	PUNCT
ajbmeb-1707	132	28	2024	2024	NUM
ajbmeb-1707	132	29	p	p	NOUN
ajbmeb-1707	132	30	a	a	DET
ajbmeb-1707	132	31	g	g	NOUN
ajbmeb-1707	132	32	e	e	NOUN
ajbmeb-1707	132	33	|	|	ADV
ajbmeb-1707	132	34	20	20	NUM
ajbmeb-1707	132	35	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	132	36	second	second	ADJ
ajbmeb-1707	132	37	:	:	PUNCT
ajbmeb-1707	132	38	normal	normal	ADJ
ajbmeb-1707	132	39	distribution	distribution	NOUN
ajbmeb-1707	132	40	and	and	CCONJ
ajbmeb-1707	132	41	testing	test	VERB
ajbmeb-1707	132	42	it	it	PRON
ajbmeb-1707	132	43	by	by	ADP
ajbmeb-1707	132	44	drawing	draw	VERB
ajbmeb-1707	132	45	figure	figure	NOUN
ajbmeb-1707	132	46	(	(	PUNCT
ajbmeb-1707	132	47	5	5	NUM
ajbmeb-1707	132	48	)	)	PUNCT
ajbmeb-1707	132	49	shows	show	VERB
ajbmeb-1707	132	50	the	the	DET
ajbmeb-1707	132	51	histogram	histogram	NOUN
ajbmeb-1707	132	52	showing	show	VERB
ajbmeb-1707	132	53	the	the	DET
ajbmeb-1707	132	54	normal	normal	ADJ
ajbmeb-1707	132	55	distribution	distribution	NOUN
ajbmeb-1707	132	56	figure	figure	NOUN
ajbmeb-1707	132	57	(	(	PUNCT
ajbmeb-1707	132	58	6	6	NUM
ajbmeb-1707	132	59	)	)	PUNCT
ajbmeb-1707	132	60	represents	represent	VERB
ajbmeb-1707	132	61	the	the	DET
ajbmeb-1707	132	62	normal	normal	ADJ
ajbmeb-1707	132	63	distribution	distribution	NOUN
ajbmeb-1707	132	64	of	of	ADP
ajbmeb-1707	132	65	random	random	ADJ
ajbmeb-1707	132	66	error	error	NOUN
ajbmeb-1707	132	67	.	.	PUNCT
ajbmeb-1707	133	1	to	to	PART
ajbmeb-1707	133	2	check	check	VERB
ajbmeb-1707	133	3	the	the	DET
ajbmeb-1707	133	4	assumption	assumption	NOUN
ajbmeb-1707	133	5	of	of	ADP
ajbmeb-1707	133	6	homogeneity	homogeneity	NOUN
ajbmeb-1707	133	7	of	of	ADP
ajbmeb-1707	133	8	random	random	ADJ
ajbmeb-1707	133	9	error	error	NOUN
ajbmeb-1707	133	10	,	,	PUNCT
ajbmeb-1707	133	11	we	we	PRON
ajbmeb-1707	133	12	plot	plot	VERB
ajbmeb-1707	133	13	the	the	DET
ajbmeb-1707	133	14	y	y	PROPN
ajbmeb-1707	133	15	values	value	NOUN
ajbmeb-1707	133	16	on	on	ADP
ajbmeb-1707	133	17	the	the	DET
ajbmeb-1707	133	18	horizontal	horizontal	ADJ
ajbmeb-1707	133	19	axis	axis	NOUN
ajbmeb-1707	133	20	and	and	CCONJ
ajbmeb-1707	133	21	the	the	DET
ajbmeb-1707	133	22	random	random	ADJ
ajbmeb-1707	133	23	errors	error	NOUN
ajbmeb-1707	133	24	on	on	ADP
ajbmeb-1707	133	25	the	the	DET
ajbmeb-1707	133	26	vertical	vertical	ADJ
ajbmeb-1707	133	27	axis	axis	NOUN
ajbmeb-1707	133	28	.	.	PUNCT
ajbmeb-1707	134	1	it	it	PRON
ajbmeb-1707	134	2	is	be	AUX
ajbmeb-1707	134	3	observed	observe	VERB
ajbmeb-1707	134	4	from	from	ADP
ajbmeb-1707	134	5	the	the	DET
ajbmeb-1707	134	6	resulting	result	VERB
ajbmeb-1707	134	7	figure	figure	NOUN
ajbmeb-1707	134	8	(	(	PUNCT
ajbmeb-1707	134	9	figure	figure	NOUN
ajbmeb-1707	134	10	6	6	NUM
ajbmeb-1707	134	11	)	)	PUNCT
ajbmeb-1707	134	12	that	that	SCONJ
ajbmeb-1707	134	13	the	the	DET
ajbmeb-1707	134	14	points	point	NOUN
ajbmeb-1707	134	15	are	be	AUX
ajbmeb-1707	134	16	uniformly	uniformly	ADV
ajbmeb-1707	134	17	distributed	distribute	VERB
ajbmeb-1707	134	18	around	around	ADP
ajbmeb-1707	134	19	zero	zero	NUM
ajbmeb-1707	134	20	,	,	PUNCT
ajbmeb-1707	134	21	which	which	PRON
ajbmeb-1707	134	22	indicates	indicate	VERB
ajbmeb-1707	134	23	that	that	SCONJ
ajbmeb-1707	134	24	the	the	DET
ajbmeb-1707	134	25	model	model	NOUN
ajbmeb-1707	134	26	does	do	AUX
ajbmeb-1707	134	27	not	not	PART
ajbmeb-1707	134	28	suffer	suffer	VERB
ajbmeb-1707	134	29	from	from	ADP
ajbmeb-1707	134	30	the	the	DET
ajbmeb-1707	134	31	problem	problem	NOUN
ajbmeb-1707	134	32	of	of	ADP
ajbmeb-1707	134	33	random	random	ADJ
ajbmeb-1707	134	34	error	error	NOUN
ajbmeb-1707	134	35	variance	variance	NOUN
ajbmeb-1707	134	36	heterogeneity	heterogeneity	NOUN
ajbmeb-1707	134	37	.	.	PUNCT
ajbmeb-1707	135	1	thus	thus	ADV
ajbmeb-1707	135	2	,	,	PUNCT
ajbmeb-1707	135	3	the	the	DET
ajbmeb-1707	135	4	data	datum	NOUN
ajbmeb-1707	135	5	and	and	CCONJ
ajbmeb-1707	135	6	information	information	NOUN
ajbmeb-1707	135	7	obtained	obtain	VERB
ajbmeb-1707	135	8	are	be	AUX
ajbmeb-1707	135	9	ready	ready	ADJ
ajbmeb-1707	135	10	to	to	PART
ajbmeb-1707	135	11	test	test	VERB
ajbmeb-1707	135	12	hypotheses	hypothesis	NOUN
ajbmeb-1707	135	13	as	as	SCONJ
ajbmeb-1707	135	14	follows	follow	VERB
ajbmeb-1707	135	15	:	:	PUNCT
ajbmeb-1707	135	16	american	american	PROPN
ajbmeb-1707	135	17	journal	journal	PROPN
ajbmeb-1707	135	18	of	of	ADP
ajbmeb-1707	135	19	business	business	NOUN
ajbmeb-1707	135	20	management	management	NOUN
ajbmeb-1707	135	21	,	,	PUNCT
ajbmeb-1707	135	22	economics	economic	NOUN
ajbmeb-1707	135	23	and	and	CCONJ
ajbmeb-1707	135	24	banking	banking	NOUN
ajbmeb-1707	135	25	volume	volume	NOUN
ajbmeb-1707	135	26	20	20	NUM
ajbmeb-1707	135	27	january	january	PROPN
ajbmeb-1707	135	28	,	,	PUNCT
ajbmeb-1707	135	29	2024	2024	NUM
ajbmeb-1707	135	30	p	p	NOUN
ajbmeb-1707	135	31	a	a	DET
ajbmeb-1707	135	32	g	g	NOUN
ajbmeb-1707	135	33	e	e	NOUN
ajbmeb-1707	135	34	|	|	ADV
ajbmeb-1707	135	35	21	21	NUM
ajbmeb-1707	135	36	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	135	37	study	study	NOUN
ajbmeb-1707	135	38	hypotheses	hypothese	VERB
ajbmeb-1707	135	39	the	the	DET
ajbmeb-1707	135	40	first	first	ADJ
ajbmeb-1707	135	41	hypothesis	hypothesis	NOUN
ajbmeb-1707	135	42	:	:	PUNCT
ajbmeb-1707	135	43	there	there	PRON
ajbmeb-1707	135	44	are	be	VERB
ajbmeb-1707	135	45	no	no	DET
ajbmeb-1707	135	46	significant	significant	ADJ
ajbmeb-1707	135	47	differences	difference	NOUN
ajbmeb-1707	135	48	between	between	ADP
ajbmeb-1707	135	49	the	the	DET
ajbmeb-1707	135	50	ability	ability	NOUN
ajbmeb-1707	135	51	of	of	ADP
ajbmeb-1707	135	52	iraqi	iraqi	ADJ
ajbmeb-1707	135	53	banks	bank	NOUN
ajbmeb-1707	135	54	to	to	PART
ajbmeb-1707	135	55	apply	apply	VERB
ajbmeb-1707	135	56	artificial	artificial	ADJ
ajbmeb-1707	135	57	intelligence	intelligence	NOUN
ajbmeb-1707	135	58	and	and	CCONJ
ajbmeb-1707	135	59	machine	machine	NOUN
ajbmeb-1707	135	60	learning	learning	NOUN
ajbmeb-1707	135	61	and	and	CCONJ
ajbmeb-1707	135	62	the	the	DET
ajbmeb-1707	135	63	rapid	rapid	ADJ
ajbmeb-1707	135	64	technological	technological	ADJ
ajbmeb-1707	135	65	development	development	NOUN
ajbmeb-1707	135	66	in	in	ADP
ajbmeb-1707	135	67	financial	financial	ADJ
ajbmeb-1707	135	68	services	service	NOUN
ajbmeb-1707	135	69	.	.	PUNCT
ajbmeb-1707	136	1	there	there	PRON
ajbmeb-1707	136	2	is	be	VERB
ajbmeb-1707	136	3	a	a	DET
ajbmeb-1707	136	4	significant	significant	ADJ
ajbmeb-1707	136	5	correlation	correlation	NOUN
ajbmeb-1707	136	6	between	between	ADP
ajbmeb-1707	136	7	the	the	DET
ajbmeb-1707	136	8	ability	ability	NOUN
ajbmeb-1707	136	9	of	of	ADP
ajbmeb-1707	136	10	iraqi	iraqi	ADJ
ajbmeb-1707	136	11	banks	bank	NOUN
ajbmeb-1707	136	12	to	to	PART
ajbmeb-1707	136	13	apply	apply	VERB
ajbmeb-1707	136	14	artificial	artificial	ADJ
ajbmeb-1707	136	15	intelligence	intelligence	NOUN
ajbmeb-1707	136	16	and	and	CCONJ
ajbmeb-1707	136	17	machine	machine	NOUN
ajbmeb-1707	136	18	learning	learning	NOUN
ajbmeb-1707	136	19	and	and	CCONJ
ajbmeb-1707	136	20	the	the	DET
ajbmeb-1707	136	21	rapid	rapid	ADJ
ajbmeb-1707	136	22	technological	technological	ADJ
ajbmeb-1707	136	23	development	development	NOUN
ajbmeb-1707	136	24	in	in	ADP
ajbmeb-1707	136	25	financial	financial	ADJ
ajbmeb-1707	136	26	services	service	NOUN
ajbmeb-1707	136	27	for	for	ADP
ajbmeb-1707	136	28	the	the	DET
ajbmeb-1707	136	29	sample	sample	NOUN
ajbmeb-1707	136	30	studied	study	VERB
ajbmeb-1707	136	31	.	.	PUNCT
ajbmeb-1707	137	1	table	table	NOUN
ajbmeb-1707	137	2	no	no	INTJ
ajbmeb-1707	137	3	.	.	PUNCT
ajbmeb-1707	138	1	(	(	PUNCT
ajbmeb-1707	138	2	5	5	X
ajbmeb-1707	138	3	)	)	PUNCT
ajbmeb-1707	138	4	shows	show	VERB
ajbmeb-1707	138	5	the	the	DET
ajbmeb-1707	138	6	analysis	analysis	NOUN
ajbmeb-1707	138	7	of	of	ADP
ajbmeb-1707	138	8	variance	variance	NOUN
ajbmeb-1707	138	9	to	to	PART
ajbmeb-1707	138	10	test	test	VERB
ajbmeb-1707	138	11	the	the	DET
ajbmeb-1707	138	12	first	first	ADJ
ajbmeb-1707	138	13	hypothesis	hypothesis	NOUN
ajbmeb-1707	138	14	anovaa	anovaa	PROPN
ajbmeb-1707	138	15	model	model	PROPN
ajbmeb-1707	138	16	sum	sum	PROPN
ajbmeb-1707	138	17	of	of	ADP
ajbmeb-1707	138	18	squares	square	NOUN
ajbmeb-1707	138	19	df	df	PROPN
ajbmeb-1707	138	20	mean	mean	PROPN
ajbmeb-1707	138	21	square	square	PROPN
ajbmeb-1707	138	22	f	f	PROPN
ajbmeb-1707	138	23	sig	sig	PROPN
ajbmeb-1707	138	24	.	.	PUNCT
ajbmeb-1707	139	1	regression	regression	VERB
ajbmeb-1707	139	2	66.99	66.99	NUM
ajbmeb-1707	139	3	36	36	NUM
ajbmeb-1707	139	4	0.231	0.231	NUM
ajbmeb-1707	139	5	0.843	0.843	NUM
ajbmeb-1707	139	6	.0043b	.0043b	ADP
ajbmeb-1707	139	7	residual	residual	ADJ
ajbmeb-1707	139	8	39.585	39.585	NUM
ajbmeb-1707	139	9	14	14	NUM
ajbmeb-1707	139	10	0.273	0.273	NUM
ajbmeb-1707	139	11	total	total	ADJ
ajbmeb-1707	139	12	106.575	106.575	NUM
ajbmeb-1707	139	13	50	50	NUM
ajbmeb-1707	139	14	a.	a.	NOUN
ajbmeb-1707	139	15	dependent	dependent	ADJ
ajbmeb-1707	139	16	variable	variable	ADJ
ajbmeb-1707	139	17	b.	b.	PROPN
ajbmeb-1707	139	18	predictors	predictor	NOUN
ajbmeb-1707	139	19	:	:	PUNCT
ajbmeb-1707	139	20	(	(	PUNCT
ajbmeb-1707	139	21	constant	constant	ADJ
ajbmeb-1707	139	22	c.	c.	NOUN
ajbmeb-1707	139	23	predictor	predictor	NOUN
ajbmeb-1707	139	24	:	:	PUNCT
ajbmeb-1707	139	25	(	(	PUNCT
ajbmeb-1707	139	26	constant	constant	ADJ
ajbmeb-1707	139	27	)	)	PUNCT
ajbmeb-1707	139	28	we	we	PRON
ajbmeb-1707	139	29	note	note	VERB
ajbmeb-1707	139	30	from	from	ADP
ajbmeb-1707	139	31	the	the	DET
ajbmeb-1707	139	32	regression	regression	NOUN
ajbmeb-1707	139	33	analysis	analysis	NOUN
ajbmeb-1707	139	34	tables	table	NOUN
ajbmeb-1707	139	35	above	above	ADV
ajbmeb-1707	139	36	that	that	SCONJ
ajbmeb-1707	139	37	the	the	DET
ajbmeb-1707	139	38	ability	ability	NOUN
ajbmeb-1707	139	39	of	of	ADP
ajbmeb-1707	139	40	iraqi	iraqi	ADJ
ajbmeb-1707	139	41	banks	bank	NOUN
ajbmeb-1707	139	42	to	to	PART
ajbmeb-1707	139	43	apply	apply	VERB
ajbmeb-1707	139	44	artificial	artificial	ADJ
ajbmeb-1707	139	45	intelligence	intelligence	NOUN
ajbmeb-1707	139	46	and	and	CCONJ
ajbmeb-1707	139	47	machine	machine	NOUN
ajbmeb-1707	139	48	learning	learning	NOUN
ajbmeb-1707	139	49	reflects	reflect	VERB
ajbmeb-1707	139	50	the	the	DET
ajbmeb-1707	139	51	rapid	rapid	ADJ
ajbmeb-1707	139	52	technological	technological	ADJ
ajbmeb-1707	139	53	development	development	NOUN
ajbmeb-1707	139	54	in	in	ADP
ajbmeb-1707	139	55	financial	financial	ADJ
ajbmeb-1707	139	56	services	service	NOUN
ajbmeb-1707	139	57	.	.	PUNCT
ajbmeb-1707	140	1	especially	especially	ADV
ajbmeb-1707	140	2	for	for	ADP
ajbmeb-1707	140	3	age	age	NOUN
ajbmeb-1707	140	4	groups	group	NOUN
ajbmeb-1707	140	5	under	under	ADP
ajbmeb-1707	140	6	30	30	NUM
ajbmeb-1707	140	7	years	year	NOUN
ajbmeb-1707	140	8	,	,	PUNCT
ajbmeb-1707	140	9	it	it	PRON
ajbmeb-1707	140	10	has	have	AUX
ajbmeb-1707	140	11	led	lead	VERB
ajbmeb-1707	140	12	to	to	ADP
ajbmeb-1707	140	13	a	a	DET
ajbmeb-1707	140	14	significant	significant	ADJ
ajbmeb-1707	140	15	development	development	NOUN
ajbmeb-1707	140	16	in	in	ADP
ajbmeb-1707	140	17	the	the	DET
ajbmeb-1707	140	18	ability	ability	NOUN
ajbmeb-1707	140	19	of	of	ADP
ajbmeb-1707	140	20	iraqi	iraqi	ADJ
ajbmeb-1707	140	21	banks	bank	NOUN
ajbmeb-1707	140	22	to	to	PART
ajbmeb-1707	140	23	apply	apply	VERB
ajbmeb-1707	140	24	artificial	artificial	ADJ
ajbmeb-1707	140	25	intelligence	intelligence	NOUN
ajbmeb-1707	140	26	and	and	CCONJ
ajbmeb-1707	140	27	machine	machine	NOUN
ajbmeb-1707	140	28	learning	learning	NOUN
ajbmeb-1707	140	29	,	,	PUNCT
ajbmeb-1707	140	30	as	as	ADV
ajbmeb-1707	140	31	well	well	ADV
ajbmeb-1707	140	32	as	as	ADP
ajbmeb-1707	140	33	the	the	DET
ajbmeb-1707	140	34	rapid	rapid	ADJ
ajbmeb-1707	140	35	technological	technological	ADJ
ajbmeb-1707	140	36	development	development	NOUN
ajbmeb-1707	140	37	in	in	ADP
ajbmeb-1707	140	38	financial	financial	ADJ
ajbmeb-1707	140	39	services	service	NOUN
ajbmeb-1707	140	40	.	.	PUNCT
ajbmeb-1707	141	1	at	at	ADP
ajbmeb-1707	141	2	a	a	DET
ajbmeb-1707	141	3	significant	significant	ADJ
ajbmeb-1707	141	4	level	level	NOUN
ajbmeb-1707	141	5	(	(	PUNCT
ajbmeb-1707	141	6	0.01	0.01	NUM
ajbmeb-1707	141	7	)	)	PUNCT
ajbmeb-1707	141	8	,	,	PUNCT
ajbmeb-1707	141	9	that	that	ADV
ajbmeb-1707	141	10	is	is	ADV
ajbmeb-1707	141	11	,	,	PUNCT
ajbmeb-1707	141	12	with	with	ADP
ajbmeb-1707	141	13	a	a	DET
ajbmeb-1707	141	14	highly	highly	ADV
ajbmeb-1707	141	15	significant	significant	ADJ
ajbmeb-1707	141	16	effect	effect	NOUN
ajbmeb-1707	141	17	,	,	PUNCT
ajbmeb-1707	141	18	this	this	PRON
ajbmeb-1707	141	19	is	be	AUX
ajbmeb-1707	141	20	why	why	SCONJ
ajbmeb-1707	141	21	the	the	DET
ajbmeb-1707	141	22	null	null	ADJ
ajbmeb-1707	141	23	hypothesis	hypothesis	NOUN
ajbmeb-1707	141	24	is	be	AUX
ajbmeb-1707	141	25	accepted	accept	VERB
ajbmeb-1707	141	26	,	,	PUNCT
ajbmeb-1707	141	27	which	which	PRON
ajbmeb-1707	141	28	states	state	VERB
ajbmeb-1707	141	29	(	(	PUNCT
ajbmeb-1707	141	30	there	there	PRON
ajbmeb-1707	141	31	is	be	VERB
ajbmeb-1707	141	32	a	a	DET
ajbmeb-1707	141	33	significant	significant	ADJ
ajbmeb-1707	141	34	correlation	correlation	NOUN
ajbmeb-1707	141	35	between	between	ADP
ajbmeb-1707	141	36	the	the	DET
ajbmeb-1707	141	37	ability	ability	NOUN
ajbmeb-1707	141	38	of	of	ADP
ajbmeb-1707	141	39	iraqi	iraqi	ADJ
ajbmeb-1707	141	40	banks	bank	NOUN
ajbmeb-1707	141	41	to	to	PART
ajbmeb-1707	141	42	apply	apply	VERB
ajbmeb-1707	141	43	artificial	artificial	ADJ
ajbmeb-1707	141	44	intelligence	intelligence	NOUN
ajbmeb-1707	141	45	and	and	CCONJ
ajbmeb-1707	141	46	machine	machine	NOUN
ajbmeb-1707	141	47	learning	learning	NOUN
ajbmeb-1707	141	48	and	and	CCONJ
ajbmeb-1707	141	49	the	the	DET
ajbmeb-1707	141	50	rapid	rapid	ADJ
ajbmeb-1707	141	51	technological	technological	ADJ
ajbmeb-1707	141	52	development	development	NOUN
ajbmeb-1707	141	53	in	in	ADP
ajbmeb-1707	141	54	financial	financial	ADJ
ajbmeb-1707	141	55	services	service	NOUN
ajbmeb-1707	141	56	)	)	PUNCT
ajbmeb-1707	141	57	,	,	PUNCT
ajbmeb-1707	141	58	meaning	mean	VERB
ajbmeb-1707	141	59	that	that	SCONJ
ajbmeb-1707	141	60	the	the	DET
ajbmeb-1707	141	61	use	use	NOUN
ajbmeb-1707	141	62	of	of	ADP
ajbmeb-1707	141	63	artificial	artificial	ADJ
ajbmeb-1707	141	64	intelligence	intelligence	NOUN
ajbmeb-1707	141	65	facilitates	facilitate	VERB
ajbmeb-1707	141	66	banking	banking	NOUN
ajbmeb-1707	141	67	services	service	NOUN
ajbmeb-1707	141	68	.	.	PUNCT
ajbmeb-1707	142	1	table	table	NOUN
ajbmeb-1707	142	2	no	no	INTJ
ajbmeb-1707	142	3	.	.	PUNCT
ajbmeb-1707	143	1	(	(	PUNCT
ajbmeb-1707	143	2	6	6	X
ajbmeb-1707	143	3	)	)	PUNCT
ajbmeb-1707	143	4	shows	show	VERB
ajbmeb-1707	143	5	the	the	DET
ajbmeb-1707	143	6	analysis	analysis	NOUN
ajbmeb-1707	143	7	of	of	ADP
ajbmeb-1707	143	8	variance	variance	NOUN
ajbmeb-1707	143	9	to	to	PART
ajbmeb-1707	143	10	test	test	VERB
ajbmeb-1707	143	11	the	the	DET
ajbmeb-1707	143	12	first	first	ADJ
ajbmeb-1707	143	13	hypothesis	hypothesis	NOUN
ajbmeb-1707	143	14	standard	standard	NOUN
ajbmeb-1707	143	15	error	error	NOUN
ajbmeb-1707	143	16	corrected	correct	VERB
ajbmeb-1707	143	17	coefficient	coefficient	NOUN
ajbmeb-1707	143	18	of	of	ADP
ajbmeb-1707	143	19	determination	determination	NOUN
ajbmeb-1707	143	20	the	the	DET
ajbmeb-1707	143	21	coefficient	coefficient	NOUN
ajbmeb-1707	143	22	of	of	ADP
ajbmeb-1707	143	23	determination	determination	NOUN
ajbmeb-1707	143	24	total	total	NOUN
ajbmeb-1707	143	25	correlation	correlation	NOUN
ajbmeb-1707	143	26	coefficient	coefficient	NOUN
ajbmeb-1707	143	27	0.523	0.523	NUM
ajbmeb-1707	143	28	0.8426	0.8426	NUM
ajbmeb-1707	143	29	0.8361	0.8361	NUM
ajbmeb-1707	143	30	0.878	0.878	NUM
ajbmeb-1707	143	31	the	the	DET
ajbmeb-1707	143	32	coefficient	coefficient	NOUN
ajbmeb-1707	143	33	of	of	ADP
ajbmeb-1707	143	34	determination	determination	NOUN
ajbmeb-1707	143	35	was	be	AUX
ajbmeb-1707	143	36	(	(	PUNCT
ajbmeb-1707	143	37	0.8361	0.8361	NUM
ajbmeb-1707	143	38	)	)	PUNCT
ajbmeb-1707	143	39	,	,	PUNCT
ajbmeb-1707	143	40	meaning	mean	VERB
ajbmeb-1707	143	41	that	that	SCONJ
ajbmeb-1707	143	42	the	the	DET
ajbmeb-1707	143	43	application	application	NOUN
ajbmeb-1707	143	44	of	of	ADP
ajbmeb-1707	143	45	artificial	artificial	ADJ
ajbmeb-1707	143	46	intelligence	intelligence	NOUN
ajbmeb-1707	143	47	and	and	CCONJ
ajbmeb-1707	143	48	machine	machine	NOUN
ajbmeb-1707	143	49	learning	learning	NOUN
ajbmeb-1707	143	50	reflects	reflect	VERB
ajbmeb-1707	143	51	the	the	DET
ajbmeb-1707	143	52	rapid	rapid	ADJ
ajbmeb-1707	143	53	technological	technological	ADJ
ajbmeb-1707	143	54	development	development	NOUN
ajbmeb-1707	143	55	in	in	ADP
ajbmeb-1707	143	56	financial	financial	ADJ
ajbmeb-1707	143	57	services	service	NOUN
ajbmeb-1707	143	58	.	.	PUNCT
ajbmeb-1707	144	1	the	the	DET
ajbmeb-1707	144	2	value	value	NOUN
ajbmeb-1707	144	3	(	(	PUNCT
ajbmeb-1707	144	4	0.8361	0.8361	NUM
ajbmeb-1707	144	5	)	)	PUNCT
ajbmeb-1707	144	6	is	be	AUX
ajbmeb-1707	144	7	from	from	ADP
ajbmeb-1707	144	8	the	the	DET
ajbmeb-1707	144	9	increase	increase	NOUN
ajbmeb-1707	144	10	in	in	ADP
ajbmeb-1707	144	11	the	the	DET
ajbmeb-1707	144	12	absorptive	absorptive	ADJ
ajbmeb-1707	144	13	capacity	capacity	NOUN
ajbmeb-1707	144	14	of	of	ADP
ajbmeb-1707	144	15	iraqi	iraqi	ADJ
ajbmeb-1707	144	16	banks	bank	NOUN
ajbmeb-1707	144	17	,	,	PUNCT
ajbmeb-1707	144	18	and	and	CCONJ
ajbmeb-1707	144	19	the	the	DET
ajbmeb-1707	144	20	remaining	remain	VERB
ajbmeb-1707	144	21	amount	amount	NOUN
ajbmeb-1707	144	22	(	(	PUNCT
ajbmeb-1707	144	23	0.1639	0.1639	NUM
ajbmeb-1707	144	24	)	)	PUNCT
ajbmeb-1707	144	25	is	be	AUX
ajbmeb-1707	144	26	due	due	ADJ
ajbmeb-1707	144	27	to	to	ADP
ajbmeb-1707	144	28	variables	variable	NOUN
ajbmeb-1707	144	29	outside	outside	ADP
ajbmeb-1707	144	30	the	the	DET
ajbmeb-1707	144	31	elements	element	NOUN
ajbmeb-1707	144	32	studied	study	VERB
ajbmeb-1707	144	33	.	.	PUNCT
ajbmeb-1707	145	1	american	american	PROPN
ajbmeb-1707	145	2	journal	journal	PROPN
ajbmeb-1707	145	3	of	of	ADP
ajbmeb-1707	145	4	business	business	NOUN
ajbmeb-1707	145	5	management	management	NOUN
ajbmeb-1707	145	6	,	,	PUNCT
ajbmeb-1707	145	7	economics	economic	NOUN
ajbmeb-1707	145	8	and	and	CCONJ
ajbmeb-1707	145	9	banking	banking	NOUN
ajbmeb-1707	145	10	volume	volume	NOUN
ajbmeb-1707	145	11	20	20	NUM
ajbmeb-1707	145	12	january	january	PROPN
ajbmeb-1707	145	13	,	,	PUNCT
ajbmeb-1707	145	14	2024	2024	NUM
ajbmeb-1707	145	15	p	p	NOUN
ajbmeb-1707	145	16	a	a	DET
ajbmeb-1707	145	17	g	g	NOUN
ajbmeb-1707	145	18	e	e	NOUN
ajbmeb-1707	145	19	|	|	ADV
ajbmeb-1707	145	20	22	22	NUM
ajbmeb-1707	145	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	145	22	second	second	ADJ
ajbmeb-1707	145	23	hypothesis	hypothesis	NOUN
ajbmeb-1707	145	24	:	:	PUNCT
ajbmeb-1707	145	25	there	there	PRON
ajbmeb-1707	145	26	are	be	VERB
ajbmeb-1707	145	27	some	some	DET
ajbmeb-1707	145	28	sectors	sector	NOUN
ajbmeb-1707	145	29	in	in	ADP
ajbmeb-1707	145	30	the	the	DET
ajbmeb-1707	145	31	bank	bank	NOUN
ajbmeb-1707	145	32	that	that	PRON
ajbmeb-1707	145	33	are	be	AUX
ajbmeb-1707	145	34	more	more	ADV
ajbmeb-1707	145	35	affected	affect	VERB
ajbmeb-1707	145	36	by	by	ADP
ajbmeb-1707	145	37	the	the	DET
ajbmeb-1707	145	38	application	application	NOUN
ajbmeb-1707	145	39	of	of	ADP
ajbmeb-1707	145	40	financial	financial	ADJ
ajbmeb-1707	145	41	technology	technology	NOUN
ajbmeb-1707	145	42	tools	tool	NOUN
ajbmeb-1707	145	43	than	than	ADP
ajbmeb-1707	145	44	other	other	ADJ
ajbmeb-1707	145	45	sectors	sector	NOUN
ajbmeb-1707	145	46	.table	.table	VERB
ajbmeb-1707	145	47	no	no	INTJ
ajbmeb-1707	145	48	.	.	PUNCT
ajbmeb-1707	146	1	(	(	PUNCT
ajbmeb-1707	146	2	7	7	X
ajbmeb-1707	146	3	)	)	PUNCT
ajbmeb-1707	146	4	shows	show	VERB
ajbmeb-1707	146	5	the	the	DET
ajbmeb-1707	146	6	analysis	analysis	NOUN
ajbmeb-1707	146	7	of	of	ADP
ajbmeb-1707	146	8	variance	variance	NOUN
ajbmeb-1707	146	9	to	to	PART
ajbmeb-1707	146	10	test	test	VERB
ajbmeb-1707	146	11	the	the	DET
ajbmeb-1707	146	12	second	second	ADJ
ajbmeb-1707	146	13	hypothesis	hypothesis	NOUN
ajbmeb-1707	146	14	anovaa	anovaa	NOUN
ajbmeb-1707	146	15	model	model	PROPN
ajbmeb-1707	146	16	sum	sum	NOUN
ajbmeb-1707	146	17	of	of	ADP
ajbmeb-1707	146	18	squares	square	NOUN
ajbmeb-1707	146	19	df	df	PROPN
ajbmeb-1707	146	20	mean	mean	PROPN
ajbmeb-1707	146	21	square	square	PROPN
ajbmeb-1707	146	22	f	f	PROPN
ajbmeb-1707	146	23	sig	sig	PROPN
ajbmeb-1707	146	24	.	.	PUNCT
ajbmeb-1707	147	1	regression	regression	VERB
ajbmeb-1707	147	2	50.75	50.75	NUM
ajbmeb-1707	147	3	36	36	NUM
ajbmeb-1707	147	4	0.175	0.175	NUM
ajbmeb-1707	147	5	0.0577	0.0577	NUM
ajbmeb-1707	147	6	.0039b	.0039b	NOUN
ajbmeb-1707	147	7	residual	residual	ADJ
ajbmeb-1707	147	8	43.935	43.935	NUM
ajbmeb-1707	147	9	14	14	NUM
ajbmeb-1707	147	10	0.303	0.303	NUM
ajbmeb-1707	147	11	total	total	NOUN
ajbmeb-1707	147	12	94.685	94.685	NUM
ajbmeb-1707	147	13	50	50	NUM
ajbmeb-1707	147	14	a.	a.	NOUN
ajbmeb-1707	147	15	dependent	dependent	ADJ
ajbmeb-1707	147	16	variable	variable	ADJ
ajbmeb-1707	147	17	b.	b.	PROPN
ajbmeb-1707	147	18	predictors	predictor	NOUN
ajbmeb-1707	147	19	:	:	PUNCT
ajbmeb-1707	147	20	(	(	PUNCT
ajbmeb-1707	147	21	constant	constant	ADJ
ajbmeb-1707	147	22	c.	c.	NOUN
ajbmeb-1707	147	23	predictor	predictor	NOUN
ajbmeb-1707	147	24	:	:	PUNCT
ajbmeb-1707	147	25	(	(	PUNCT
ajbmeb-1707	147	26	constant	constant	ADJ
ajbmeb-1707	147	27	)	)	PUNCT
ajbmeb-1707	147	28	we	we	PRON
ajbmeb-1707	147	29	note	note	VERB
ajbmeb-1707	147	30	from	from	ADP
ajbmeb-1707	147	31	the	the	DET
ajbmeb-1707	147	32	regression	regression	NOUN
ajbmeb-1707	147	33	analysis	analysis	NOUN
ajbmeb-1707	147	34	tables	table	NOUN
ajbmeb-1707	147	35	above	above	ADP
ajbmeb-1707	147	36	that	that	DET
ajbmeb-1707	147	37	age	age	NOUN
ajbmeb-1707	147	38	,	,	PUNCT
ajbmeb-1707	147	39	gender	gender	NOUN
ajbmeb-1707	147	40	,	,	PUNCT
ajbmeb-1707	147	41	and	and	CCONJ
ajbmeb-1707	147	42	educational	educational	ADJ
ajbmeb-1707	147	43	level	level	NOUN
ajbmeb-1707	147	44	have	have	VERB
ajbmeb-1707	147	45	an	an	DET
ajbmeb-1707	147	46	impact	impact	NOUN
ajbmeb-1707	147	47	on	on	ADP
ajbmeb-1707	147	48	some	some	DET
ajbmeb-1707	147	49	sectors	sector	NOUN
ajbmeb-1707	147	50	of	of	ADP
ajbmeb-1707	147	51	the	the	DET
ajbmeb-1707	147	52	bank	bank	NOUN
ajbmeb-1707	147	53	that	that	PRON
ajbmeb-1707	147	54	are	be	AUX
ajbmeb-1707	147	55	more	more	ADV
ajbmeb-1707	147	56	affected	affect	VERB
ajbmeb-1707	147	57	by	by	ADP
ajbmeb-1707	147	58	the	the	DET
ajbmeb-1707	147	59	application	application	NOUN
ajbmeb-1707	147	60	of	of	ADP
ajbmeb-1707	147	61	financial	financial	ADJ
ajbmeb-1707	147	62	technology	technology	NOUN
ajbmeb-1707	147	63	tools	tool	NOUN
ajbmeb-1707	147	64	than	than	ADP
ajbmeb-1707	147	65	other	other	ADJ
ajbmeb-1707	147	66	sectors	sector	NOUN
ajbmeb-1707	147	67	.	.	PUNCT
ajbmeb-1707	148	1	at	at	ADP
ajbmeb-1707	148	2	a	a	DET
ajbmeb-1707	148	3	significant	significant	ADJ
ajbmeb-1707	148	4	level	level	NOUN
ajbmeb-1707	148	5	(	(	PUNCT
ajbmeb-1707	148	6	0.01	0.01	NUM
ajbmeb-1707	148	7	)	)	PUNCT
ajbmeb-1707	148	8	,	,	PUNCT
ajbmeb-1707	148	9	that	that	ADV
ajbmeb-1707	148	10	is	is	ADV
ajbmeb-1707	148	11	,	,	PUNCT
ajbmeb-1707	148	12	with	with	ADP
ajbmeb-1707	148	13	a	a	DET
ajbmeb-1707	148	14	highly	highly	ADV
ajbmeb-1707	148	15	significant	significant	ADJ
ajbmeb-1707	148	16	effect	effect	NOUN
ajbmeb-1707	148	17	,	,	PUNCT
ajbmeb-1707	148	18	this	this	PRON
ajbmeb-1707	148	19	is	be	AUX
ajbmeb-1707	148	20	why	why	SCONJ
ajbmeb-1707	148	21	the	the	DET
ajbmeb-1707	148	22	null	null	ADJ
ajbmeb-1707	148	23	hypothesis	hypothesis	NOUN
ajbmeb-1707	148	24	is	be	AUX
ajbmeb-1707	148	25	accepted	accept	VERB
ajbmeb-1707	148	26	,	,	PUNCT
ajbmeb-1707	148	27	which	which	PRON
ajbmeb-1707	148	28	states	state	VERB
ajbmeb-1707	148	29	(	(	PUNCT
ajbmeb-1707	148	30	there	there	PRON
ajbmeb-1707	148	31	is	be	VERB
ajbmeb-1707	148	32	a	a	DET
ajbmeb-1707	148	33	significant	significant	ADJ
ajbmeb-1707	148	34	correlation	correlation	NOUN
ajbmeb-1707	148	35	between	between	ADP
ajbmeb-1707	148	36	some	some	DET
ajbmeb-1707	148	37	sectors	sector	NOUN
ajbmeb-1707	148	38	of	of	ADP
ajbmeb-1707	148	39	the	the	DET
ajbmeb-1707	148	40	bank	bank	NOUN
ajbmeb-1707	148	41	that	that	PRON
ajbmeb-1707	148	42	are	be	AUX
ajbmeb-1707	148	43	more	more	ADV
ajbmeb-1707	148	44	affected	affect	VERB
ajbmeb-1707	148	45	by	by	ADP
ajbmeb-1707	148	46	the	the	DET
ajbmeb-1707	148	47	application	application	NOUN
ajbmeb-1707	148	48	of	of	ADP
ajbmeb-1707	148	49	financial	financial	ADJ
ajbmeb-1707	148	50	technology	technology	NOUN
ajbmeb-1707	148	51	tools	tool	NOUN
ajbmeb-1707	148	52	than	than	ADP
ajbmeb-1707	148	53	other	other	ADJ
ajbmeb-1707	148	54	sectors	sector	NOUN
ajbmeb-1707	148	55	.	.	PUNCT
ajbmeb-1707	149	1	table	table	NOUN
ajbmeb-1707	149	2	no	no	INTJ
ajbmeb-1707	149	3	.	.	PUNCT
ajbmeb-1707	150	1	(	(	PUNCT
ajbmeb-1707	150	2	8)	8)	NUM
ajbmeb-1707	150	3	shows	show	VERB
ajbmeb-1707	150	4	the	the	DET
ajbmeb-1707	150	5	analysis	analysis	NOUN
ajbmeb-1707	150	6	of	of	ADP
ajbmeb-1707	150	7	variance	variance	NOUN
ajbmeb-1707	150	8	to	to	PART
ajbmeb-1707	150	9	test	test	VERB
ajbmeb-1707	150	10	the	the	DET
ajbmeb-1707	150	11	second	second	ADJ
ajbmeb-1707	150	12	hypothesis	hypothesis	NOUN
ajbmeb-1707	150	13	standard	standard	NOUN
ajbmeb-1707	150	14	error	error	NOUN
ajbmeb-1707	150	15	corrected	correct	VERB
ajbmeb-1707	150	16	coefficient	coefficient	NOUN
ajbmeb-1707	150	17	of	of	ADP
ajbmeb-1707	150	18	determination	determination	NOUN
ajbmeb-1707	150	19	the	the	DET
ajbmeb-1707	150	20	coefficient	coefficient	NOUN
ajbmeb-1707	150	21	of	of	ADP
ajbmeb-1707	150	22	determination	determination	NOUN
ajbmeb-1707	150	23	total	total	NOUN
ajbmeb-1707	150	24	correlation	correlation	NOUN
ajbmeb-1707	150	25	coefficient	coefficient	VERB
ajbmeb-1707	150	26	0.472	0.472	NUM
ajbmeb-1707	150	27	0.819	0.819	NUM
ajbmeb-1707	150	28	0.802	0.802	NUM
ajbmeb-1707	150	29	0.793	0.793	NUM
ajbmeb-1707	150	30	as	as	ADP
ajbmeb-1707	150	31	for	for	ADP
ajbmeb-1707	150	32	the	the	DET
ajbmeb-1707	150	33	coefficient	coefficient	NOUN
ajbmeb-1707	150	34	of	of	ADP
ajbmeb-1707	150	35	determination	determination	NOUN
ajbmeb-1707	150	36	,	,	PUNCT
ajbmeb-1707	150	37	it	it	PRON
ajbmeb-1707	150	38	reached	reach	VERB
ajbmeb-1707	150	39	(	(	PUNCT
ajbmeb-1707	150	40	0.802	0.802	NUM
ajbmeb-1707	150	41	)	)	PUNCT
ajbmeb-1707	150	42	,	,	PUNCT
ajbmeb-1707	150	43	meaning	mean	VERB
ajbmeb-1707	150	44	that	that	SCONJ
ajbmeb-1707	150	45	all	all	DET
ajbmeb-1707	150	46	age	age	NOUN
ajbmeb-1707	150	47	,	,	PUNCT
ajbmeb-1707	150	48	gender	gender	NOUN
ajbmeb-1707	150	49	,	,	PUNCT
ajbmeb-1707	150	50	and	and	CCONJ
ajbmeb-1707	150	51	educational	educational	ADJ
ajbmeb-1707	150	52	level	level	NOUN
ajbmeb-1707	150	53	determine	determine	VERB
ajbmeb-1707	150	54	the	the	DET
ajbmeb-1707	150	55	value	value	NOUN
ajbmeb-1707	150	56	(	(	PUNCT
ajbmeb-1707	150	57	0.802	0.802	NUM
ajbmeb-1707	150	58	)	)	PUNCT
ajbmeb-1707	150	59	of	of	ADP
ajbmeb-1707	150	60	the	the	DET
ajbmeb-1707	150	61	requirements	requirement	NOUN
ajbmeb-1707	150	62	of	of	ADP
ajbmeb-1707	150	63	the	the	DET
ajbmeb-1707	150	64	sectors	sector	NOUN
ajbmeb-1707	150	65	in	in	ADP
ajbmeb-1707	150	66	the	the	DET
ajbmeb-1707	150	67	bank	bank	NOUN
ajbmeb-1707	150	68	that	that	PRON
ajbmeb-1707	150	69	are	be	AUX
ajbmeb-1707	150	70	more	more	ADV
ajbmeb-1707	150	71	affected	affect	VERB
ajbmeb-1707	150	72	by	by	ADP
ajbmeb-1707	150	73	the	the	DET
ajbmeb-1707	150	74	application	application	NOUN
ajbmeb-1707	150	75	of	of	ADP
ajbmeb-1707	150	76	financial	financial	ADJ
ajbmeb-1707	150	77	technology	technology	NOUN
ajbmeb-1707	150	78	tools	tool	NOUN
ajbmeb-1707	150	79	than	than	ADP
ajbmeb-1707	150	80	other	other	ADJ
ajbmeb-1707	150	81	sectors	sector	NOUN
ajbmeb-1707	150	82	,	,	PUNCT
ajbmeb-1707	150	83	and	and	CCONJ
ajbmeb-1707	150	84	the	the	DET
ajbmeb-1707	150	85	remaining	remain	VERB
ajbmeb-1707	150	86	amount	amount	NOUN
ajbmeb-1707	150	87	(	(	PUNCT
ajbmeb-1707	150	88	0.198	0.198	NUM
ajbmeb-1707	150	89	)	)	PUNCT
ajbmeb-1707	150	90	is	be	AUX
ajbmeb-1707	150	91	due	due	ADJ
ajbmeb-1707	150	92	to	to	ADP
ajbmeb-1707	150	93	variables	variable	NOUN
ajbmeb-1707	150	94	outside	outside	ADP
ajbmeb-1707	150	95	the	the	DET
ajbmeb-1707	150	96	variables	variable	NOUN
ajbmeb-1707	150	97	studied	study	VERB
ajbmeb-1707	150	98	.	.	PUNCT
ajbmeb-1707	151	1	internal	internal	ADJ
ajbmeb-1707	151	2	consistency	consistency	NOUN
ajbmeb-1707	151	3	of	of	ADP
ajbmeb-1707	151	4	the	the	DET
ajbmeb-1707	151	5	data	datum	NOUN
ajbmeb-1707	151	6	of	of	ADP
ajbmeb-1707	151	7	the	the	DET
ajbmeb-1707	151	8	first	first	ADJ
ajbmeb-1707	151	9	axis	axis	NOUN
ajbmeb-1707	151	10	(	(	PUNCT
ajbmeb-1707	151	11	personal	personal	ADJ
ajbmeb-1707	151	12	data	datum	NOUN
ajbmeb-1707	151	13	)	)	PUNCT
ajbmeb-1707	151	14	with	with	ADP
ajbmeb-1707	151	15	the	the	DET
ajbmeb-1707	151	16	data	datum	NOUN
ajbmeb-1707	151	17	of	of	ADP
ajbmeb-1707	151	18	the	the	DET
ajbmeb-1707	151	19	second	second	ADJ
ajbmeb-1707	151	20	axis	axis	NOUN
ajbmeb-1707	151	21	.	.	PUNCT
ajbmeb-1707	152	1	the	the	DET
ajbmeb-1707	152	2	role	role	NOUN
ajbmeb-1707	152	3	of	of	ADP
ajbmeb-1707	152	4	artificial	artificial	ADJ
ajbmeb-1707	152	5	intelligence	intelligence	NOUN
ajbmeb-1707	152	6	and	and	CCONJ
ajbmeb-1707	152	7	machine	machine	NOUN
ajbmeb-1707	152	8	learning	learning	NOUN
ajbmeb-1707	152	9	in	in	ADP
ajbmeb-1707	152	10	digital	digital	ADJ
ajbmeb-1707	152	11	banking	banking	NOUN
ajbmeb-1707	152	12	technology	technology	NOUN
ajbmeb-1707	152	13	.	.	PUNCT
ajbmeb-1707	153	1	american	american	PROPN
ajbmeb-1707	153	2	journal	journal	PROPN
ajbmeb-1707	153	3	of	of	ADP
ajbmeb-1707	153	4	business	business	NOUN
ajbmeb-1707	153	5	management	management	NOUN
ajbmeb-1707	153	6	,	,	PUNCT
ajbmeb-1707	153	7	economics	economic	NOUN
ajbmeb-1707	153	8	and	and	CCONJ
ajbmeb-1707	153	9	banking	banking	NOUN
ajbmeb-1707	153	10	volume	volume	NOUN
ajbmeb-1707	153	11	20	20	NUM
ajbmeb-1707	153	12	january	january	PROPN
ajbmeb-1707	153	13	,	,	PUNCT
ajbmeb-1707	153	14	2024	2024	NUM
ajbmeb-1707	153	15	p	p	NOUN
ajbmeb-1707	153	16	a	a	DET
ajbmeb-1707	153	17	g	g	NOUN
ajbmeb-1707	153	18	e	e	NOUN
ajbmeb-1707	153	19	|	|	ADV
ajbmeb-1707	153	20	23	23	NUM
ajbmeb-1707	153	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	153	22	table	table	NOUN
ajbmeb-1707	153	23	no	no	INTJ
ajbmeb-1707	153	24	.	.	PUNCT
ajbmeb-1707	154	1	(	(	PUNCT
ajbmeb-1707	154	2	9	9	X
ajbmeb-1707	154	3	)	)	PUNCT
ajbmeb-1707	154	4	shows	show	VERB
ajbmeb-1707	154	5	the	the	DET
ajbmeb-1707	154	6	extent	extent	NOUN
ajbmeb-1707	154	7	of	of	ADP
ajbmeb-1707	154	8	internal	internal	ADJ
ajbmeb-1707	154	9	consistency	consistency	NOUN
ajbmeb-1707	154	10	of	of	ADP
ajbmeb-1707	154	11	the	the	DET
ajbmeb-1707	154	12	impact	impact	NOUN
ajbmeb-1707	154	13	of	of	ADP
ajbmeb-1707	154	14	the	the	DET
ajbmeb-1707	154	15	data	datum	NOUN
ajbmeb-1707	154	16	of	of	ADP
ajbmeb-1707	154	17	the	the	DET
ajbmeb-1707	154	18	first	first	ADJ
ajbmeb-1707	154	19	axis	axis	NOUN
ajbmeb-1707	154	20	(	(	PUNCT
ajbmeb-1707	154	21	personal	personal	ADJ
ajbmeb-1707	154	22	data	datum	NOUN
ajbmeb-1707	154	23	)	)	PUNCT
ajbmeb-1707	154	24	with	with	ADP
ajbmeb-1707	154	25	the	the	DET
ajbmeb-1707	154	26	data	datum	NOUN
ajbmeb-1707	154	27	of	of	ADP
ajbmeb-1707	154	28	the	the	DET
ajbmeb-1707	154	29	second	second	ADJ
ajbmeb-1707	154	30	axis	axis	NOUN
ajbmeb-1707	154	31	.	.	PUNCT
ajbmeb-1707	155	1	the	the	DET
ajbmeb-1707	155	2	role	role	NOUN
ajbmeb-1707	155	3	of	of	ADP
ajbmeb-1707	155	4	artificial	artificial	ADJ
ajbmeb-1707	155	5	intelligence	intelligence	NOUN
ajbmeb-1707	155	6	and	and	CCONJ
ajbmeb-1707	155	7	machine	machine	NOUN
ajbmeb-1707	155	8	learning	learning	NOUN
ajbmeb-1707	155	9	in	in	ADP
ajbmeb-1707	155	10	digital	digital	ADJ
ajbmeb-1707	155	11	banking	banking	NOUN
ajbmeb-1707	155	12	technology	technology	NOUN
ajbmeb-1707	155	13	and	and	CCONJ
ajbmeb-1707	155	14	the	the	DET
ajbmeb-1707	155	15	extent	extent	NOUN
ajbmeb-1707	155	16	of	of	ADP
ajbmeb-1707	155	17	the	the	DET
ajbmeb-1707	155	18	correlation	correlation	NOUN
ajbmeb-1707	155	19	coefficient	coefficient	NOUN
ajbmeb-1707	155	20	.	.	PUNCT
ajbmeb-1707	156	1	no	no	DET
ajbmeb-1707	156	2	questions	question	NOUN
ajbmeb-1707	156	3	pearson	pearson	NOUN
ajbmeb-1707	156	4	correlation	correlation	NOUN
ajbmeb-1707	156	5	coefficient	coefficient	NOUN
ajbmeb-1707	156	6	(	(	PUNCT
ajbmeb-1707	156	7	calculated)r	calculated)r	PROPN
ajbmeb-1707	156	8	the	the	DET
ajbmeb-1707	156	9	result	result	NOUN
ajbmeb-1707	156	10	1	1	NUM
ajbmeb-1707	156	11	from	from	ADP
ajbmeb-1707	156	12	your	your	PRON
ajbmeb-1707	156	13	point	point	NOUN
ajbmeb-1707	156	14	of	of	ADP
ajbmeb-1707	156	15	view	view	NOUN
ajbmeb-1707	156	16	,	,	PUNCT
ajbmeb-1707	156	17	banks	bank	NOUN
ajbmeb-1707	156	18	must	must	AUX
ajbmeb-1707	156	19	adopt	adopt	VERB
ajbmeb-1707	156	20	a	a	DET
ajbmeb-1707	156	21	strategy	strategy	NOUN
ajbmeb-1707	156	22	for	for	ADP
ajbmeb-1707	156	23	the	the	DET
ajbmeb-1707	156	24	digital	digital	ADJ
ajbmeb-1707	156	25	transformation	transformation	NOUN
ajbmeb-1707	156	26	of	of	ADP
ajbmeb-1707	156	27	banking	banking	NOUN
ajbmeb-1707	156	28	services	service	NOUN
ajbmeb-1707	156	29	that	that	PRON
ajbmeb-1707	156	30	enables	enable	VERB
ajbmeb-1707	156	31	them	they	PRON
ajbmeb-1707	156	32	to	to	PART
ajbmeb-1707	156	33	benefit	benefit	VERB
ajbmeb-1707	156	34	from	from	ADP
ajbmeb-1707	156	35	technological	technological	ADJ
ajbmeb-1707	156	36	development	development	NOUN
ajbmeb-1707	156	37	and	and	CCONJ
ajbmeb-1707	156	38	maintain	maintain	VERB
ajbmeb-1707	156	39	their	their	PRON
ajbmeb-1707	156	40	market	market	NOUN
ajbmeb-1707	156	41	share	share	NOUN
ajbmeb-1707	156	42	.	.	PUNCT
ajbmeb-1707	157	1	0.965	0.965	PRON
ajbmeb-1707	157	2	significant	significant	ADJ
ajbmeb-1707	157	3	2	2	NUM
ajbmeb-1707	157	4	obtaining	obtain	VERB
ajbmeb-1707	157	5	market	market	NOUN
ajbmeb-1707	157	6	share	share	NOUN
ajbmeb-1707	157	7	in	in	ADP
ajbmeb-1707	157	8	the	the	DET
ajbmeb-1707	157	9	banking	banking	NOUN
ajbmeb-1707	157	10	sector	sector	NOUN
ajbmeb-1707	157	11	has	have	AUX
ajbmeb-1707	157	12	become	become	VERB
ajbmeb-1707	157	13	dependent	dependent	ADJ
ajbmeb-1707	157	14	on	on	ADP
ajbmeb-1707	157	15	the	the	DET
ajbmeb-1707	157	16	extent	extent	NOUN
ajbmeb-1707	157	17	of	of	ADP
ajbmeb-1707	157	18	banks	bank	NOUN
ajbmeb-1707	157	19	’	'	PUNCT
ajbmeb-1707	157	20	success	success	NOUN
ajbmeb-1707	157	21	in	in	ADP
ajbmeb-1707	157	22	attracting	attract	VERB
ajbmeb-1707	157	23	and	and	CCONJ
ajbmeb-1707	157	24	developing	develop	VERB
ajbmeb-1707	157	25	workers	worker	NOUN
ajbmeb-1707	157	26	with	with	ADP
ajbmeb-1707	157	27	the	the	DET
ajbmeb-1707	157	28	appropriate	appropriate	ADJ
ajbmeb-1707	157	29	competencies	competency	NOUN
ajbmeb-1707	157	30	to	to	PART
ajbmeb-1707	157	31	keep	keep	VERB
ajbmeb-1707	157	32	pace	pace	NOUN
ajbmeb-1707	157	33	with	with	ADP
ajbmeb-1707	157	34	developments	development	NOUN
ajbmeb-1707	157	35	in	in	ADP
ajbmeb-1707	157	36	the	the	DET
ajbmeb-1707	157	37	digital	digital	ADJ
ajbmeb-1707	157	38	age	age	NOUN
ajbmeb-1707	157	39	.	.	PUNCT
ajbmeb-1707	158	1	0.654	0.654	NUM
ajbmeb-1707	158	2	significant	significant	ADJ
ajbmeb-1707	158	3	3	3	NUM
ajbmeb-1707	158	4	digital	digital	ADJ
ajbmeb-1707	158	5	transformation	transformation	NOUN
ajbmeb-1707	158	6	of	of	ADP
ajbmeb-1707	158	7	banking	banking	NOUN
ajbmeb-1707	158	8	activities	activity	NOUN
ajbmeb-1707	158	9	creates	create	VERB
ajbmeb-1707	158	10	more	more	ADJ
ajbmeb-1707	158	11	jobs	job	NOUN
ajbmeb-1707	158	12	than	than	SCONJ
ajbmeb-1707	158	13	it	it	PRON
ajbmeb-1707	158	14	destroys	destroy	VERB
ajbmeb-1707	158	15	0.899	0.899	NUM
ajbmeb-1707	158	16	significant	significant	ADJ
ajbmeb-1707	158	17	4	4	NUM
ajbmeb-1707	158	18	the	the	DET
ajbmeb-1707	158	19	human	human	ADJ
ajbmeb-1707	158	20	element	element	NOUN
ajbmeb-1707	158	21	is	be	AUX
ajbmeb-1707	158	22	considered	consider	VERB
ajbmeb-1707	158	23	the	the	DET
ajbmeb-1707	158	24	most	most	ADV
ajbmeb-1707	158	25	important	important	ADJ
ajbmeb-1707	158	26	asset	asset	NOUN
ajbmeb-1707	158	27	of	of	ADP
ajbmeb-1707	158	28	the	the	DET
ajbmeb-1707	158	29	institution	institution	NOUN
ajbmeb-1707	158	30	and	and	CCONJ
ajbmeb-1707	158	31	one	one	NUM
ajbmeb-1707	158	32	of	of	ADP
ajbmeb-1707	158	33	the	the	DET
ajbmeb-1707	158	34	most	most	ADV
ajbmeb-1707	158	35	important	important	ADJ
ajbmeb-1707	158	36	components	component	NOUN
ajbmeb-1707	158	37	to	to	PART
ajbmeb-1707	158	38	enable	enable	VERB
ajbmeb-1707	158	39	the	the	DET
ajbmeb-1707	158	40	bank	bank	NOUN
ajbmeb-1707	158	41	to	to	PART
ajbmeb-1707	158	42	digitally	digitally	ADV
ajbmeb-1707	158	43	transform	transform	VERB
ajbmeb-1707	158	44	and	and	CCONJ
ajbmeb-1707	158	45	keep	keep	VERB
ajbmeb-1707	158	46	pace	pace	NOUN
ajbmeb-1707	158	47	with	with	ADP
ajbmeb-1707	158	48	developments	development	NOUN
ajbmeb-1707	158	49	in	in	ADP
ajbmeb-1707	158	50	the	the	DET
ajbmeb-1707	158	51	digital	digital	ADJ
ajbmeb-1707	158	52	age	age	NOUN
ajbmeb-1707	158	53	0.814	0.814	NUM
ajbmeb-1707	158	54	significant	significant	ADJ
ajbmeb-1707	158	55	5	5	NUM
ajbmeb-1707	158	56	serious	serious	ADJ
ajbmeb-1707	158	57	steps	step	NOUN
ajbmeb-1707	158	58	must	must	AUX
ajbmeb-1707	158	59	begin	begin	VERB
ajbmeb-1707	158	60	to	to	PART
ajbmeb-1707	158	61	be	be	AUX
ajbmeb-1707	158	62	taken	take	VERB
ajbmeb-1707	158	63	to	to	PART
ajbmeb-1707	158	64	digitally	digitally	ADV
ajbmeb-1707	158	65	transform	transform	VERB
ajbmeb-1707	158	66	banking	banking	NOUN
ajbmeb-1707	158	67	activities	activity	NOUN
ajbmeb-1707	158	68	,	,	PUNCT
ajbmeb-1707	158	69	even	even	ADV
ajbmeb-1707	158	70	in	in	ADP
ajbmeb-1707	158	71	the	the	DET
ajbmeb-1707	158	72	absence	absence	NOUN
ajbmeb-1707	158	73	of	of	ADP
ajbmeb-1707	158	74	a	a	DET
ajbmeb-1707	158	75	large	large	ADJ
ajbmeb-1707	158	76	segment	segment	NOUN
ajbmeb-1707	158	77	of	of	ADP
ajbmeb-1707	158	78	customers	customer	NOUN
ajbmeb-1707	158	79	integrating	integrate	VERB
ajbmeb-1707	158	80	into	into	ADP
ajbmeb-1707	158	81	digital	digital	ADJ
ajbmeb-1707	158	82	activities	activity	NOUN
ajbmeb-1707	158	83	.	.	PUNCT
ajbmeb-1707	159	1	0	0	X
ajbmeb-1707	159	2	.	.	X
ajbmeb-1707	159	3	65	65	NUM
ajbmeb-1707	159	4	significant	significant	ADJ
ajbmeb-1707	159	5	6	6	NUM
ajbmeb-1707	159	6	fintech	fintech	NOUN
ajbmeb-1707	159	7	companies	company	NOUN
ajbmeb-1707	159	8	are	be	AUX
ajbmeb-1707	159	9	competing	compete	VERB
ajbmeb-1707	159	10	with	with	ADP
ajbmeb-1707	159	11	banks	bank	NOUN
ajbmeb-1707	159	12	in	in	ADP
ajbmeb-1707	159	13	providing	provide	VERB
ajbmeb-1707	159	14	financial	financial	ADJ
ajbmeb-1707	159	15	services	service	NOUN
ajbmeb-1707	159	16	to	to	ADP
ajbmeb-1707	159	17	customers	customer	NOUN
ajbmeb-1707	159	18	.	.	PUNCT
ajbmeb-1707	160	1	0.823	0.823	NUM
ajbmeb-1707	160	2	significant	significant	ADJ
ajbmeb-1707	160	3	7	7	NUM
ajbmeb-1707	160	4	competition	competition	NOUN
ajbmeb-1707	160	5	in	in	ADP
ajbmeb-1707	160	6	the	the	DET
ajbmeb-1707	160	7	field	field	NOUN
ajbmeb-1707	160	8	of	of	ADP
ajbmeb-1707	160	9	financial	financial	ADJ
ajbmeb-1707	160	10	services	service	NOUN
ajbmeb-1707	160	11	has	have	AUX
ajbmeb-1707	160	12	become	become	VERB
ajbmeb-1707	160	13	dependent	dependent	ADJ
ajbmeb-1707	160	14	on	on	ADP
ajbmeb-1707	160	15	the	the	DET
ajbmeb-1707	160	16	elements	element	NOUN
ajbmeb-1707	160	17	of	of	ADP
ajbmeb-1707	160	18	creativity	creativity	NOUN
ajbmeb-1707	160	19	and	and	CCONJ
ajbmeb-1707	160	20	innovation	innovation	NOUN
ajbmeb-1707	160	21	in	in	ADP
ajbmeb-1707	160	22	providing	provide	VERB
ajbmeb-1707	160	23	banking	banking	NOUN
ajbmeb-1707	160	24	services	service	NOUN
ajbmeb-1707	160	25	through	through	ADP
ajbmeb-1707	160	26	innovative	innovative	ADJ
ajbmeb-1707	160	27	electronic	electronic	ADJ
ajbmeb-1707	160	28	channels	channel	NOUN
ajbmeb-1707	160	29	that	that	PRON
ajbmeb-1707	160	30	suit	suit	VERB
ajbmeb-1707	160	31	existing	exist	VERB
ajbmeb-1707	160	32	customers	customer	NOUN
ajbmeb-1707	160	33	and	and	CCONJ
ajbmeb-1707	160	34	attract	attract	VERB
ajbmeb-1707	160	35	new	new	ADJ
ajbmeb-1707	160	36	customers	customer	NOUN
ajbmeb-1707	160	37	to	to	ADP
ajbmeb-1707	160	38	the	the	DET
ajbmeb-1707	160	39	banking	banking	NOUN
ajbmeb-1707	160	40	sector	sector	NOUN
ajbmeb-1707	160	41	.	.	PUNCT
ajbmeb-1707	161	1	0.765	0.765	NUM
ajbmeb-1707	161	2	significant	significant	ADJ
ajbmeb-1707	161	3	8	8	NUM
ajbmeb-1707	161	4	egyptian	egyptian	ADJ
ajbmeb-1707	161	5	banks	bank	NOUN
ajbmeb-1707	161	6	conduct	conduct	VERB
ajbmeb-1707	161	7	appropriate	appropriate	ADJ
ajbmeb-1707	161	8	training	training	NOUN
ajbmeb-1707	161	9	courses	course	NOUN
ajbmeb-1707	161	10	to	to	PART
ajbmeb-1707	161	11	enable	enable	VERB
ajbmeb-1707	161	12	employees	employee	NOUN
ajbmeb-1707	161	13	to	to	PART
ajbmeb-1707	161	14	keep	keep	VERB
ajbmeb-1707	161	15	pace	pace	NOUN
ajbmeb-1707	161	16	with	with	ADP
ajbmeb-1707	161	17	developments	development	NOUN
ajbmeb-1707	161	18	in	in	ADP
ajbmeb-1707	161	19	the	the	DET
ajbmeb-1707	161	20	digital	digital	ADJ
ajbmeb-1707	161	21	age	age	NOUN
ajbmeb-1707	161	22	0.623	0.623	NUM
ajbmeb-1707	161	23	significant	significant	ADJ
ajbmeb-1707	161	24	9	9	NUM
ajbmeb-1707	161	25	the	the	DET
ajbmeb-1707	161	26	more	more	ADJ
ajbmeb-1707	161	27	experience	experience	NOUN
ajbmeb-1707	161	28	the	the	DET
ajbmeb-1707	161	29	employee	employee	NOUN
ajbmeb-1707	161	30	has	have	VERB
ajbmeb-1707	161	31	,	,	PUNCT
ajbmeb-1707	161	32	the	the	PRON
ajbmeb-1707	161	33	greater	great	ADJ
ajbmeb-1707	161	34	his	his	PRON
ajbmeb-1707	161	35	ability	ability	NOUN
ajbmeb-1707	161	36	to	to	PART
ajbmeb-1707	161	37	keep	keep	VERB
ajbmeb-1707	161	38	pace	pace	NOUN
ajbmeb-1707	161	39	with	with	ADP
ajbmeb-1707	161	40	the	the	DET
ajbmeb-1707	161	41	requirements	requirement	NOUN
ajbmeb-1707	161	42	of	of	ADP
ajbmeb-1707	161	43	digital	digital	ADJ
ajbmeb-1707	161	44	transformation	transformation	NOUN
ajbmeb-1707	161	45	and	and	CCONJ
ajbmeb-1707	161	46	adapt	adapt	VERB
ajbmeb-1707	161	47	to	to	ADP
ajbmeb-1707	161	48	technological	technological	ADJ
ajbmeb-1707	161	49	activities	activity	NOUN
ajbmeb-1707	161	50	0.854	0.854	NUM
ajbmeb-1707	161	51	significant	significant	ADJ
ajbmeb-1707	161	52	tabulated	tabulate	VERB
ajbmeb-1707	161	53	value	value	NOUN
ajbmeb-1707	161	54	of	of	ADP
ajbmeb-1707	161	55	r	r	NOUN
ajbmeb-1707	161	56	:	:	PUNCT
ajbmeb-1707	161	57	0.235	0.235	NUM
ajbmeb-1707	161	58	at	at	ADP
ajbmeb-1707	161	59	a	a	DET
ajbmeb-1707	161	60	significance	significance	NOUN
ajbmeb-1707	161	61	level	level	NOUN
ajbmeb-1707	161	62	of	of	ADP
ajbmeb-1707	161	63	0.05	0.05	NUM
ajbmeb-1707	161	64	and	and	CCONJ
ajbmeb-1707	161	65	degree	degree	NOUN
ajbmeb-1707	161	66	of	of	ADP
ajbmeb-1707	161	67	freedom	freedom	NOUN
ajbmeb-1707	161	68	=	=	SYM
ajbmeb-1707	161	69	48	48	NUM
ajbmeb-1707	161	70	degree	degree	NOUN
ajbmeb-1707	161	71	of	of	ADP
ajbmeb-1707	161	72	freedom	freedom	NOUN
ajbmeb-1707	161	73	=	=	NOUN
ajbmeb-1707	161	74	sample	sample	NOUN
ajbmeb-1707	161	75	number	number	NOUN
ajbmeb-1707	161	76	-2	-2	NOUN
ajbmeb-1707	161	77	rule	rule	NOUN
ajbmeb-1707	161	78	:	:	PUNCT
ajbmeb-1707	161	79	if	if	SCONJ
ajbmeb-1707	161	80	the	the	DET
ajbmeb-1707	161	81	calculated	calculated	ADJ
ajbmeb-1707	161	82	r	r	NOUN
ajbmeb-1707	161	83	is	be	AUX
ajbmeb-1707	161	84	greater	great	ADJ
ajbmeb-1707	161	85	than	than	ADP
ajbmeb-1707	161	86	the	the	DET
ajbmeb-1707	161	87	tabulated	tabulate	VERB
ajbmeb-1707	161	88	r	r	NOUN
ajbmeb-1707	161	89	,	,	PUNCT
ajbmeb-1707	161	90	there	there	PRON
ajbmeb-1707	161	91	is	be	VERB
ajbmeb-1707	161	92	a	a	DET
ajbmeb-1707	161	93	significant	significant	ADJ
ajbmeb-1707	161	94	correlation	correlation	NOUN
ajbmeb-1707	161	95	source	source	NOUN
ajbmeb-1707	161	96	:	:	PUNCT
ajbmeb-1707	161	97	prepared	prepare	VERB
ajbmeb-1707	161	98	by	by	ADP
ajbmeb-1707	161	99	us	we	PRON
ajbmeb-1707	161	100	based	base	VERB
ajbmeb-1707	161	101	on	on	ADP
ajbmeb-1707	161	102	spss	spss	PROPN
ajbmeb-1707	161	103	v26	v26	PROPN
ajbmeb-1707	161	104	output	output	NOUN
ajbmeb-1707	161	105	.	.	PUNCT
ajbmeb-1707	162	1	that	that	ADV
ajbmeb-1707	162	2	is	be	AUX
ajbmeb-1707	162	3	,	,	PUNCT
ajbmeb-1707	162	4	its	its	PRON
ajbmeb-1707	162	5	paragraphs	paragraph	NOUN
ajbmeb-1707	162	6	are	be	AUX
ajbmeb-1707	162	7	statistically	statistically	ADV
ajbmeb-1707	162	8	significant	significant	ADJ
ajbmeb-1707	162	9	,	,	PUNCT
ajbmeb-1707	162	10	as	as	SCONJ
ajbmeb-1707	162	11	we	we	PRON
ajbmeb-1707	162	12	find	find	VERB
ajbmeb-1707	162	13	that	that	SCONJ
ajbmeb-1707	162	14	the	the	DET
ajbmeb-1707	162	15	correlation	correlation	NOUN
ajbmeb-1707	162	16	coefficients	coefficient	NOUN
ajbmeb-1707	162	17	calculated	calculate	VERB
ajbmeb-1707	162	18	for	for	ADP
ajbmeb-1707	162	19	each	each	PRON
ajbmeb-1707	162	20	of	of	ADP
ajbmeb-1707	162	21	its	its	PRON
ajbmeb-1707	162	22	paragraphs	paragraph	NOUN
ajbmeb-1707	162	23	are	be	AUX
ajbmeb-1707	162	24	greater	great	ADJ
ajbmeb-1707	162	25	than	than	ADP
ajbmeb-1707	162	26	the	the	DET
ajbmeb-1707	162	27	tabular	tabular	ADJ
ajbmeb-1707	162	28	value	value	NOUN
ajbmeb-1707	162	29	of	of	ADP
ajbmeb-1707	162	30	r	r	NOUN
ajbmeb-1707	162	31	,	,	PUNCT
ajbmeb-1707	162	32	in	in	ADP
ajbmeb-1707	162	33	all	all	DET
ajbmeb-1707	162	34	the	the	DET
ajbmeb-1707	162	35	paragraphs	paragraph	NOUN
ajbmeb-1707	162	36	.	.	PUNCT
ajbmeb-1707	163	1	the	the	DET
ajbmeb-1707	163	2	axis	axis	NOUN
ajbmeb-1707	163	3	means	mean	VERB
ajbmeb-1707	163	4	that	that	SCONJ
ajbmeb-1707	163	5	there	there	PRON
ajbmeb-1707	163	6	is	be	VERB
ajbmeb-1707	163	7	an	an	DET
ajbmeb-1707	163	8	important	important	ADJ
ajbmeb-1707	163	9	correlation	correlation	NOUN
ajbmeb-1707	163	10	,	,	PUNCT
ajbmeb-1707	163	11	including	include	VERB
ajbmeb-1707	163	12	the	the	DET
ajbmeb-1707	163	13	paragraphs	paragraph	NOUN
ajbmeb-1707	163	14	of	of	ADP
ajbmeb-1707	163	15	the	the	DET
ajbmeb-1707	163	16	axis	axis	NOUN
ajbmeb-1707	163	17	,	,	PUNCT
ajbmeb-1707	163	18	that	that	PRON
ajbmeb-1707	163	19	is	be	AUX
ajbmeb-1707	163	20	honest	honest	ADJ
ajbmeb-1707	163	21	and	and	CCONJ
ajbmeb-1707	163	22	internally	internally	ADV
ajbmeb-1707	163	23	consistent	consistent	ADJ
ajbmeb-1707	163	24	with	with	ADP
ajbmeb-1707	163	25	what	what	PRON
ajbmeb-1707	163	26	it	it	PRON
ajbmeb-1707	163	27	was	be	AUX
ajbmeb-1707	163	28	designed	design	VERB
ajbmeb-1707	163	29	to	to	PART
ajbmeb-1707	163	30	measure	measure	VERB
ajbmeb-1707	163	31	.	.	PUNCT
ajbmeb-1707	164	1	3cronbach	3cronbach	ADV
ajbmeb-1707	164	2	’s	’	VERB
ajbmeb-1707	164	3	alpha	alpha	ADJ
ajbmeb-1707	164	4	reliability	reliability	NOUN
ajbmeb-1707	164	5	analysis	analysis	NOUN
ajbmeb-1707	164	6	validity	validity	NOUN
ajbmeb-1707	164	7	and	and	CCONJ
ajbmeb-1707	164	8	reliability	reliability	NOUN
ajbmeb-1707	164	9	are	be	AUX
ajbmeb-1707	164	10	among	among	ADP
ajbmeb-1707	164	11	the	the	DET
ajbmeb-1707	164	12	most	most	ADV
ajbmeb-1707	164	13	important	important	ADJ
ajbmeb-1707	164	14	topics	topic	NOUN
ajbmeb-1707	164	15	to	to	PART
ajbmeb-1707	164	16	be	be	AUX
ajbmeb-1707	164	17	examined	examine	VERB
ajbmeb-1707	164	18	in	in	ADP
ajbmeb-1707	164	19	terms	term	NOUN
ajbmeb-1707	164	20	of	of	ADP
ajbmeb-1707	164	21	their	their	PRON
ajbmeb-1707	164	22	impact	impact	NOUN
ajbmeb-1707	164	23	on	on	ADP
ajbmeb-1707	164	24	the	the	DET
ajbmeb-1707	164	25	results	result	NOUN
ajbmeb-1707	164	26	and	and	CCONJ
ajbmeb-1707	164	27	their	their	PRON
ajbmeb-1707	164	28	ability	ability	NOUN
ajbmeb-1707	164	29	to	to	PART
ajbmeb-1707	164	30	generalize	generalize	VERB
ajbmeb-1707	164	31	the	the	DET
ajbmeb-1707	164	32	results	result	NOUN
ajbmeb-1707	164	33	.	.	PUNCT
ajbmeb-1707	165	1	american	american	ADJ
ajbmeb-1707	165	2	journal	journal	PROPN
ajbmeb-1707	165	3	of	of	ADP
ajbmeb-1707	165	4	business	business	NOUN
ajbmeb-1707	165	5	management	management	NOUN
ajbmeb-1707	165	6	,	,	PUNCT
ajbmeb-1707	165	7	economics	economic	NOUN
ajbmeb-1707	165	8	and	and	CCONJ
ajbmeb-1707	165	9	banking	banking	NOUN
ajbmeb-1707	165	10	volume	volume	NOUN
ajbmeb-1707	165	11	20	20	NUM
ajbmeb-1707	165	12	january	january	PROPN
ajbmeb-1707	165	13	,	,	PUNCT
ajbmeb-1707	165	14	2024	2024	NUM
ajbmeb-1707	165	15	p	p	NOUN
ajbmeb-1707	165	16	a	a	DET
ajbmeb-1707	165	17	g	g	NOUN
ajbmeb-1707	165	18	e	e	NOUN
ajbmeb-1707	165	19	|	|	ADV
ajbmeb-1707	165	20	24	24	NUM
ajbmeb-1707	165	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	165	22	credibility	credibility	NOUN
ajbmeb-1707	165	23	and	and	CCONJ
ajbmeb-1707	165	24	consistency	consistency	NOUN
ajbmeb-1707	165	25	are	be	AUX
ajbmeb-1707	165	26	among	among	ADP
ajbmeb-1707	165	27	the	the	DET
ajbmeb-1707	165	28	most	most	ADV
ajbmeb-1707	165	29	important	important	ADJ
ajbmeb-1707	165	30	topics	topic	NOUN
ajbmeb-1707	165	31	that	that	PRON
ajbmeb-1707	165	32	concern	concern	VERB
ajbmeb-1707	165	33	researchers	researcher	NOUN
ajbmeb-1707	165	34	in	in	ADP
ajbmeb-1707	165	35	terms	term	NOUN
ajbmeb-1707	165	36	of	of	ADP
ajbmeb-1707	165	37	their	their	PRON
ajbmeb-1707	165	38	impact	impact	NOUN
ajbmeb-1707	165	39	on	on	ADP
ajbmeb-1707	165	40	the	the	DET
ajbmeb-1707	165	41	importance	importance	NOUN
ajbmeb-1707	165	42	of	of	ADP
ajbmeb-1707	165	43	research	research	NOUN
ajbmeb-1707	165	44	results	result	NOUN
ajbmeb-1707	165	45	and	and	CCONJ
ajbmeb-1707	165	46	their	their	PRON
ajbmeb-1707	165	47	ability	ability	NOUN
ajbmeb-1707	165	48	to	to	PART
ajbmeb-1707	165	49	publish	publish	VERB
ajbmeb-1707	165	50	the	the	DET
ajbmeb-1707	165	51	results	result	NOUN
ajbmeb-1707	165	52	.	.	PUNCT
ajbmeb-1707	166	1	reliability	reliability	NOUN
ajbmeb-1707	166	2	and	and	CCONJ
ajbmeb-1707	166	3	consistency	consistency	NOUN
ajbmeb-1707	166	4	are	be	AUX
ajbmeb-1707	166	5	related	relate	VERB
ajbmeb-1707	166	6	to	to	ADP
ajbmeb-1707	166	7	the	the	DET
ajbmeb-1707	166	8	tools	tool	NOUN
ajbmeb-1707	166	9	used	use	VERB
ajbmeb-1707	166	10	in	in	ADP
ajbmeb-1707	166	11	research	research	NOUN
ajbmeb-1707	166	12	,	,	PUNCT
ajbmeb-1707	166	13	and	and	CCONJ
ajbmeb-1707	166	14	their	their	PRON
ajbmeb-1707	166	15	ability	ability	NOUN
ajbmeb-1707	166	16	to	to	PART
ajbmeb-1707	166	17	measure	measure	VERB
ajbmeb-1707	166	18	and	and	CCONJ
ajbmeb-1707	166	19	accurately	accurately	ADV
ajbmeb-1707	166	20	measure	measure	VERB
ajbmeb-1707	166	21	the	the	DET
ajbmeb-1707	166	22	readings	reading	NOUN
ajbmeb-1707	166	23	taken	take	VERB
ajbmeb-1707	166	24	from	from	ADP
ajbmeb-1707	166	25	these	these	DET
ajbmeb-1707	166	26	tools	tool	NOUN
ajbmeb-1707	166	27	.	.	PUNCT
ajbmeb-1707	167	1	cronbach	cronbach	PROPN
ajbmeb-1707	167	2	's	's	PART
ajbmeb-1707	167	3	alpha	alpha	NOUN
ajbmeb-1707	167	4	is	be	AUX
ajbmeb-1707	167	5	a	a	DET
ajbmeb-1707	167	6	measure	measure	NOUN
ajbmeb-1707	167	7	of	of	ADP
ajbmeb-1707	167	8	the	the	DET
ajbmeb-1707	167	9	reliability	reliability	NOUN
ajbmeb-1707	167	10	of	of	ADP
ajbmeb-1707	167	11	a	a	DET
ajbmeb-1707	167	12	test	test	NOUN
ajbmeb-1707	167	13	(	(	PUNCT
ajbmeb-1707	167	14	questionnaire	questionnaire	NOUN
ajbmeb-1707	167	15	)	)	PUNCT
ajbmeb-1707	167	16	,	,	PUNCT
ajbmeb-1707	167	17	cronbach	cronbach	PROPN
ajbmeb-1707	167	18	's	's	PART
ajbmeb-1707	167	19	alpha	alpha	NOUN
ajbmeb-1707	167	20	is	be	AUX
ajbmeb-1707	167	21	a	a	DET
ajbmeb-1707	167	22	measure	measure	NOUN
ajbmeb-1707	167	23	of	of	ADP
ajbmeb-1707	167	24	internal	internal	ADJ
ajbmeb-1707	167	25	consistency	consistency	NOUN
ajbmeb-1707	167	26	,	,	PUNCT
ajbmeb-1707	167	27	i.e.	i.e.	X
ajbmeb-1707	167	28	the	the	DET
ajbmeb-1707	167	29	extent	extent	NOUN
ajbmeb-1707	167	30	to	to	PART
ajbmeb-1707	167	31	which	which	PRON
ajbmeb-1707	167	32	a	a	DET
ajbmeb-1707	167	33	group	group	NOUN
ajbmeb-1707	167	34	of	of	ADP
ajbmeb-1707	167	35	items	item	NOUN
ajbmeb-1707	167	36	are	be	AUX
ajbmeb-1707	167	37	closely	closely	ADV
ajbmeb-1707	167	38	related	relate	VERB
ajbmeb-1707	167	39	,	,	PUNCT
ajbmeb-1707	167	40	and	and	CCONJ
ajbmeb-1707	167	41	cronbach	cronbach	NOUN
ajbmeb-1707	167	42	's	's	PART
ajbmeb-1707	167	43	alpha	alpha	NOUN
ajbmeb-1707	167	44	is	be	AUX
ajbmeb-1707	167	45	a	a	DET
ajbmeb-1707	167	46	measure	measure	NOUN
ajbmeb-1707	167	47	of	of	ADP
ajbmeb-1707	167	48	internal	internal	ADJ
ajbmeb-1707	167	49	consistency	consistency	NOUN
ajbmeb-1707	167	50	.	.	PUNCT
ajbmeb-1707	168	1	it	it	PRON
ajbmeb-1707	168	2	is	be	AUX
ajbmeb-1707	168	3	a	a	DET
ajbmeb-1707	168	4	simple	simple	ADJ
ajbmeb-1707	168	5	way	way	NOUN
ajbmeb-1707	168	6	to	to	PART
ajbmeb-1707	168	7	measure	measure	VERB
ajbmeb-1707	168	8	whether	whether	SCONJ
ajbmeb-1707	168	9	a	a	DET
ajbmeb-1707	168	10	result	result	NOUN
ajbmeb-1707	168	11	is	be	AUX
ajbmeb-1707	168	12	reliable	reliable	ADJ
ajbmeb-1707	168	13	or	or	CCONJ
ajbmeb-1707	168	14	not	not	PART
ajbmeb-1707	168	15	.	.	PUNCT
ajbmeb-1707	169	1	reliability	reliability	NOUN
ajbmeb-1707	169	2	refers	refer	VERB
ajbmeb-1707	169	3	to	to	ADP
ajbmeb-1707	169	4	the	the	DET
ajbmeb-1707	169	5	amount	amount	NOUN
ajbmeb-1707	169	6	of	of	ADP
ajbmeb-1707	169	7	true	true	ADJ
ajbmeb-1707	169	8	variance	variance	NOUN
ajbmeb-1707	169	9	that	that	PRON
ajbmeb-1707	169	10	can	can	AUX
ajbmeb-1707	169	11	be	be	AUX
ajbmeb-1707	169	12	accounted	account	VERB
ajbmeb-1707	169	13	for	for	ADP
ajbmeb-1707	169	14	by	by	ADP
ajbmeb-1707	169	15	the	the	DET
ajbmeb-1707	169	16	observed	observe	VERB
ajbmeb-1707	169	17	variance	variance	NOUN
ajbmeb-1707	169	18	in	in	ADP
ajbmeb-1707	169	19	a	a	DET
ajbmeb-1707	169	20	measurement	measurement	NOUN
ajbmeb-1707	169	21	.	.	PUNCT
ajbmeb-1707	170	1	several	several	ADJ
ajbmeb-1707	170	2	coefficients	coefficient	NOUN
ajbmeb-1707	170	3	have	have	AUX
ajbmeb-1707	170	4	been	be	AUX
ajbmeb-1707	170	5	proposed	propose	VERB
ajbmeb-1707	170	6	to	to	PART
ajbmeb-1707	170	7	estimate	estimate	VERB
ajbmeb-1707	170	8	reliability	reliability	NOUN
ajbmeb-1707	170	9	from	from	ADP
ajbmeb-1707	170	10	internal	internal	ADJ
ajbmeb-1707	170	11	consistency	consistency	NOUN
ajbmeb-1707	170	12	,	,	PUNCT
ajbmeb-1707	170	13	cronbach	cronbach	PROPN
ajbmeb-1707	170	14	's	's	PART
ajbmeb-1707	170	15	alpha	alpha	NOUN
ajbmeb-1707	170	16	is	be	AUX
ajbmeb-1707	170	17	the	the	DET
ajbmeb-1707	170	18	most	most	ADV
ajbmeb-1707	170	19	popular	popular	ADJ
ajbmeb-1707	170	20	,	,	PUNCT
ajbmeb-1707	170	21	and	and	CCONJ
ajbmeb-1707	170	22	cronbach	cronbach	NOUN
ajbmeb-1707	170	23	's	's	PART
ajbmeb-1707	170	24	alpha	alpha	NOUN
ajbmeb-1707	170	25	is	be	AUX
ajbmeb-1707	170	26	one	one	NUM
ajbmeb-1707	170	27	of	of	ADP
ajbmeb-1707	170	28	the	the	DET
ajbmeb-1707	170	29	most	most	ADV
ajbmeb-1707	170	30	widely	widely	ADV
ajbmeb-1707	170	31	used	use	VERB
ajbmeb-1707	170	32	reliability	reliability	NOUN
ajbmeb-1707	170	33	measures	measure	NOUN
ajbmeb-1707	170	34	in	in	ADP
ajbmeb-1707	170	35	the	the	DET
ajbmeb-1707	170	36	social	social	ADJ
ajbmeb-1707	170	37	and	and	CCONJ
ajbmeb-1707	170	38	organizational	organizational	ADJ
ajbmeb-1707	170	39	sciences	science	NOUN
ajbmeb-1707	170	40	.	.	PUNCT
ajbmeb-1707	171	1	the	the	DET
ajbmeb-1707	171	2	test	test	NOUN
ajbmeb-1707	171	3	was	be	AUX
ajbmeb-1707	171	4	performed	perform	VERB
ajbmeb-1707	171	5	and	and	CCONJ
ajbmeb-1707	171	6	the	the	DET
ajbmeb-1707	171	7	alpha	alpha	NOUN
ajbmeb-1707	171	8	value	value	NOUN
ajbmeb-1707	171	9	was	be	AUX
ajbmeb-1707	171	10	extracted	extract	VERB
ajbmeb-1707	171	11	as	as	ADP
ajbmeb-1707	171	12	in	in	ADP
ajbmeb-1707	171	13	the	the	DET
ajbmeb-1707	171	14	table	table	NOUN
ajbmeb-1707	171	15	below	below	ADV
ajbmeb-1707	171	16	.	.	PUNCT
ajbmeb-1707	172	1	table	table	NOUN
ajbmeb-1707	172	2	no	no	INTJ
ajbmeb-1707	172	3	.	.	PUNCT
ajbmeb-1707	173	1	(	(	PUNCT
ajbmeb-1707	173	2	10	10	NUM
ajbmeb-1707	173	3	)	)	PUNCT
ajbmeb-1707	173	4	shows	show	VERB
ajbmeb-1707	173	5	cronbach	cronbach	VERB
ajbmeb-1707	173	6	’s	’s	PART
ajbmeb-1707	173	7	alpha	alpha	ADJ
ajbmeb-1707	173	8	coefficient	coefficient	NOUN
ajbmeb-1707	173	9	reliability	reliability	NOUN
ajbmeb-1707	173	10	statistics	statistic	NOUN
ajbmeb-1707	173	11	cronbach	cronbach	VERB
ajbmeb-1707	173	12	's	's	PART
ajbmeb-1707	173	13	alpha	alpha	NOUN
ajbmeb-1707	173	14	cronbach	cronbach	NOUN
ajbmeb-1707	173	15	's	's	PART
ajbmeb-1707	173	16	alpha	alpha	NOUN
ajbmeb-1707	173	17	based	base	VERB
ajbmeb-1707	173	18	on	on	ADP
ajbmeb-1707	173	19	standardized	standardized	ADJ
ajbmeb-1707	173	20	items	item	NOUN
ajbmeb-1707	173	21	n	n	ADP
ajbmeb-1707	173	22	of	of	ADP
ajbmeb-1707	173	23	items	item	NOUN
ajbmeb-1707	173	24	.799	.799	NUM
ajbmeb-1707	173	25	.957	.957	NUM
ajbmeb-1707	173	26	4	4	NUM
ajbmeb-1707	173	27	from	from	ADP
ajbmeb-1707	173	28	the	the	DET
ajbmeb-1707	173	29	table	table	NOUN
ajbmeb-1707	173	30	above	above	ADP
ajbmeb-1707	173	31	it	it	PRON
ajbmeb-1707	173	32	is	be	AUX
ajbmeb-1707	173	33	clear	clear	ADJ
ajbmeb-1707	173	34	that	that	SCONJ
ajbmeb-1707	173	35	the	the	DET
ajbmeb-1707	173	36	alpha	alpha	NOUN
ajbmeb-1707	173	37	ratio	ratio	NOUN
ajbmeb-1707	173	38	is	be	AUX
ajbmeb-1707	173	39	equal	equal	ADJ
ajbmeb-1707	173	40	to	to	ADP
ajbmeb-1707	173	41	(	(	PUNCT
ajbmeb-1707	173	42	0.799	0.799	NUM
ajbmeb-1707	173	43	)	)	PUNCT
ajbmeb-1707	173	44	,	,	PUNCT
ajbmeb-1707	173	45	which	which	PRON
ajbmeb-1707	173	46	is	be	AUX
ajbmeb-1707	173	47	a	a	DET
ajbmeb-1707	173	48	good	good	ADJ
ajbmeb-1707	173	49	ratio	ratio	NOUN
ajbmeb-1707	173	50	.	.	PUNCT
ajbmeb-1707	174	1	it	it	PRON
ajbmeb-1707	174	2	has	have	AUX
ajbmeb-1707	174	3	been	be	AUX
ajbmeb-1707	174	4	proven	prove	VERB
ajbmeb-1707	174	5	that	that	SCONJ
ajbmeb-1707	174	6	the	the	DET
ajbmeb-1707	174	7	questionnaire	questionnaire	NOUN
ajbmeb-1707	174	8	will	will	AUX
ajbmeb-1707	174	9	give	give	VERB
ajbmeb-1707	174	10	good	good	ADJ
ajbmeb-1707	174	11	results	result	NOUN
ajbmeb-1707	174	12	and	and	CCONJ
ajbmeb-1707	174	13	indicates	indicate	VERB
ajbmeb-1707	174	14	honesty	honesty	NOUN
ajbmeb-1707	174	15	and	and	CCONJ
ajbmeb-1707	174	16	stability	stability	NOUN
ajbmeb-1707	174	17	in	in	ADP
ajbmeb-1707	174	18	its	its	PRON
ajbmeb-1707	174	19	results	result	NOUN
ajbmeb-1707	174	20	.	.	PUNCT
ajbmeb-1707	175	1	internal	internal	ADJ
ajbmeb-1707	175	2	consistency	consistency	NOUN
ajbmeb-1707	175	3	of	of	ADP
ajbmeb-1707	175	4	the	the	DET
ajbmeb-1707	175	5	data	datum	NOUN
ajbmeb-1707	175	6	of	of	ADP
ajbmeb-1707	175	7	the	the	DET
ajbmeb-1707	175	8	first	first	ADJ
ajbmeb-1707	175	9	axis	axis	NOUN
ajbmeb-1707	175	10	(	(	PUNCT
ajbmeb-1707	175	11	personal	personal	ADJ
ajbmeb-1707	175	12	data	datum	NOUN
ajbmeb-1707	175	13	)	)	PUNCT
ajbmeb-1707	175	14	with	with	ADP
ajbmeb-1707	175	15	the	the	DET
ajbmeb-1707	175	16	data	datum	NOUN
ajbmeb-1707	175	17	of	of	ADP
ajbmeb-1707	175	18	the	the	DET
ajbmeb-1707	175	19	third	third	ADJ
ajbmeb-1707	175	20	axis	axis	NOUN
ajbmeb-1707	175	21	.	.	PUNCT
ajbmeb-1707	176	1	what	what	PRON
ajbmeb-1707	176	2	sector	sector	NOUN
ajbmeb-1707	176	3	do	do	AUX
ajbmeb-1707	176	4	you	you	PRON
ajbmeb-1707	176	5	think	think	VERB
ajbmeb-1707	176	6	will	will	AUX
ajbmeb-1707	176	7	be	be	AUX
ajbmeb-1707	176	8	most	most	ADV
ajbmeb-1707	176	9	affected	affect	VERB
ajbmeb-1707	176	10	by	by	ADP
ajbmeb-1707	176	11	the	the	DET
ajbmeb-1707	176	12	technology	technology	NOUN
ajbmeb-1707	176	13	tools	tool	NOUN
ajbmeb-1707	176	14	associated	associate	VERB
ajbmeb-1707	176	15	with	with	ADP
ajbmeb-1707	176	16	digital	digital	ADJ
ajbmeb-1707	176	17	transformation	transformation	NOUN
ajbmeb-1707	176	18	processes	process	NOUN
ajbmeb-1707	176	19	.	.	PUNCT
ajbmeb-1707	177	1	table	table	NOUN
ajbmeb-1707	177	2	no	no	INTJ
ajbmeb-1707	177	3	.	.	PUNCT
ajbmeb-1707	178	1	(	(	PUNCT
ajbmeb-1707	178	2	11	11	NUM
ajbmeb-1707	178	3	)	)	PUNCT
ajbmeb-1707	178	4	shows	show	VERB
ajbmeb-1707	178	5	the	the	DET
ajbmeb-1707	178	6	extent	extent	NOUN
ajbmeb-1707	178	7	of	of	ADP
ajbmeb-1707	178	8	internal	internal	ADJ
ajbmeb-1707	178	9	consistency	consistency	NOUN
ajbmeb-1707	178	10	of	of	ADP
ajbmeb-1707	178	11	the	the	DET
ajbmeb-1707	178	12	data	datum	NOUN
ajbmeb-1707	178	13	of	of	ADP
ajbmeb-1707	178	14	the	the	DET
ajbmeb-1707	178	15	first	first	ADJ
ajbmeb-1707	178	16	axis	axis	NOUN
ajbmeb-1707	178	17	(	(	PUNCT
ajbmeb-1707	178	18	personal	personal	ADJ
ajbmeb-1707	178	19	data	datum	NOUN
ajbmeb-1707	178	20	)	)	PUNCT
ajbmeb-1707	178	21	with	with	ADP
ajbmeb-1707	178	22	the	the	DET
ajbmeb-1707	178	23	data	datum	NOUN
ajbmeb-1707	178	24	of	of	ADP
ajbmeb-1707	178	25	the	the	DET
ajbmeb-1707	178	26	third	third	ADJ
ajbmeb-1707	178	27	axis	axis	NOUN
ajbmeb-1707	178	28	.	.	PUNCT
ajbmeb-1707	179	1	what	what	PRON
ajbmeb-1707	179	2	sector	sector	NOUN
ajbmeb-1707	179	3	do	do	AUX
ajbmeb-1707	179	4	you	you	PRON
ajbmeb-1707	179	5	think	think	VERB
ajbmeb-1707	179	6	will	will	AUX
ajbmeb-1707	179	7	be	be	AUX
ajbmeb-1707	179	8	most	most	ADV
ajbmeb-1707	179	9	affected	affect	VERB
ajbmeb-1707	179	10	by	by	ADP
ajbmeb-1707	179	11	the	the	DET
ajbmeb-1707	179	12	technology	technology	NOUN
ajbmeb-1707	179	13	tools	tool	NOUN
ajbmeb-1707	179	14	accompanying	accompany	VERB
ajbmeb-1707	179	15	digital	digital	ADJ
ajbmeb-1707	179	16	transformation	transformation	NOUN
ajbmeb-1707	179	17	processes	process	NOUN
ajbmeb-1707	179	18	and	and	CCONJ
ajbmeb-1707	179	19	the	the	DET
ajbmeb-1707	179	20	extent	extent	NOUN
ajbmeb-1707	179	21	of	of	ADP
ajbmeb-1707	179	22	the	the	DET
ajbmeb-1707	179	23	correlation	correlation	NOUN
ajbmeb-1707	179	24	coefficient	coefficient	NOUN
ajbmeb-1707	179	25	no	no	DET
ajbmeb-1707	179	26	questions	question	NOUN
ajbmeb-1707	179	27	pearson	pearson	NOUN
ajbmeb-1707	179	28	correlation	correlation	NOUN
ajbmeb-1707	179	29	coefficient	coefficient	NOUN
ajbmeb-1707	179	30	(	(	PUNCT
ajbmeb-1707	179	31	calculated)r	calculated)r	PROPN
ajbmeb-1707	179	32	the	the	DET
ajbmeb-1707	179	33	result	result	NOUN
ajbmeb-1707	179	34	1	1	NUM
ajbmeb-1707	179	35	atman	atman	PROPN
ajbmeb-1707	179	36	companies	company	NOUN
ajbmeb-1707	179	37	0.731	0.731	NUM
ajbmeb-1707	179	38	significant	significant	ADJ
ajbmeb-1707	179	39	2	2	NUM
ajbmeb-1707	179	40	regulatory	regulatory	ADJ
ajbmeb-1707	179	41	sectors	sector	NOUN
ajbmeb-1707	179	42	(	(	PUNCT
ajbmeb-1707	179	43	risk	risk	NOUN
ajbmeb-1707	179	44	compliance	compliance	NOUN
ajbmeb-1707	179	45	and	and	CCONJ
ajbmeb-1707	179	46	governance	governance	NOUN
ajbmeb-1707	179	47	internal	internal	ADJ
ajbmeb-1707	179	48	)	)	PUNCT
ajbmeb-1707	179	49	.	.	PUNCT
ajbmeb-1707	180	1	0	0	X
ajbmeb-1707	180	2	.	.	X
ajbmeb-1707	180	3	842	842	NUM
ajbmeb-1707	180	4	significant	significant	ADJ
ajbmeb-1707	180	5	3	3	NUM
ajbmeb-1707	180	6	for	for	ADP
ajbmeb-1707	180	7	support	support	NOUN
ajbmeb-1707	180	8	sectors	sector	NOUN
ajbmeb-1707	180	9	(	(	PUNCT
ajbmeb-1707	180	10	human	human	ADJ
ajbmeb-1707	180	11	resources	resource	NOUN
ajbmeb-1707	180	12	engineering	engineering	NOUN
ajbmeb-1707	180	13	sector	sector	NOUN
ajbmeb-1707	180	14	)	)	PUNCT
ajbmeb-1707	180	15	.	.	PUNCT
ajbmeb-1707	181	1	0	0	X
ajbmeb-1707	181	2	.	.	X
ajbmeb-1707	181	3	991	991	NUM
ajbmeb-1707	181	4	significant	significant	ADJ
ajbmeb-1707	181	5	4	4	NUM
ajbmeb-1707	181	6	asset	asset	NOUN
ajbmeb-1707	181	7	management	management	NOUN
ajbmeb-1707	181	8	0.514	0.514	NUM
ajbmeb-1707	181	9	significant	significant	ADJ
ajbmeb-1707	181	10	tabulated	tabulate	VERB
ajbmeb-1707	181	11	value	value	NOUN
ajbmeb-1707	181	12	of	of	ADP
ajbmeb-1707	181	13	r	r	NOUN
ajbmeb-1707	181	14	:	:	PUNCT
ajbmeb-1707	181	15	0.235	0.235	NUM
ajbmeb-1707	181	16	at	at	ADP
ajbmeb-1707	181	17	a	a	DET
ajbmeb-1707	181	18	significance	significance	NOUN
ajbmeb-1707	181	19	level	level	NOUN
ajbmeb-1707	181	20	of	of	ADP
ajbmeb-1707	181	21	0.05	0.05	NUM
ajbmeb-1707	181	22	and	and	CCONJ
ajbmeb-1707	181	23	degree	degree	NOUN
ajbmeb-1707	181	24	of	of	ADP
ajbmeb-1707	181	25	freedom	freedom	NOUN
ajbmeb-1707	181	26	=	=	SYM
ajbmeb-1707	181	27	48	48	NUM
ajbmeb-1707	181	28	degree	degree	NOUN
ajbmeb-1707	181	29	of	of	ADP
ajbmeb-1707	181	30	freedom	freedom	NOUN
ajbmeb-1707	181	31	=	=	NOUN
ajbmeb-1707	181	32	sample	sample	NOUN
ajbmeb-1707	181	33	number	number	NOUN
ajbmeb-1707	181	34	-2	-2	NOUN
ajbmeb-1707	181	35	rule	rule	NOUN
ajbmeb-1707	181	36	:	:	PUNCT
ajbmeb-1707	181	37	if	if	SCONJ
ajbmeb-1707	181	38	the	the	DET
ajbmeb-1707	181	39	calculated	calculated	ADJ
ajbmeb-1707	181	40	r	r	NOUN
ajbmeb-1707	181	41	is	be	AUX
ajbmeb-1707	181	42	greater	great	ADJ
ajbmeb-1707	181	43	than	than	ADP
ajbmeb-1707	181	44	the	the	DET
ajbmeb-1707	181	45	tabulated	tabulate	VERB
ajbmeb-1707	181	46	r	r	NOUN
ajbmeb-1707	181	47	,	,	PUNCT
ajbmeb-1707	181	48	there	there	PRON
ajbmeb-1707	181	49	is	be	VERB
ajbmeb-1707	181	50	a	a	DET
ajbmeb-1707	181	51	significant	significant	ADJ
ajbmeb-1707	181	52	correlation	correlation	NOUN
ajbmeb-1707	181	53	source	source	NOUN
ajbmeb-1707	181	54	:	:	PUNCT
ajbmeb-1707	181	55	prepared	prepare	VERB
ajbmeb-1707	181	56	by	by	ADP
ajbmeb-1707	181	57	us	we	PRON
ajbmeb-1707	181	58	based	base	VERB
ajbmeb-1707	181	59	on	on	ADP
ajbmeb-1707	181	60	spss	spss	PROPN
ajbmeb-1707	181	61	v26	v26	PROPN
ajbmeb-1707	181	62	output	output	NOUN
ajbmeb-1707	181	63	.	.	PUNCT
ajbmeb-1707	182	1	that	that	ADV
ajbmeb-1707	182	2	is	be	AUX
ajbmeb-1707	182	3	,	,	PUNCT
ajbmeb-1707	182	4	its	its	PRON
ajbmeb-1707	182	5	paragraphs	paragraph	NOUN
ajbmeb-1707	182	6	are	be	AUX
ajbmeb-1707	182	7	statistically	statistically	ADV
ajbmeb-1707	182	8	significant	significant	ADJ
ajbmeb-1707	182	9	,	,	PUNCT
ajbmeb-1707	182	10	as	as	SCONJ
ajbmeb-1707	182	11	we	we	PRON
ajbmeb-1707	182	12	find	find	VERB
ajbmeb-1707	182	13	that	that	SCONJ
ajbmeb-1707	182	14	the	the	DET
ajbmeb-1707	182	15	correlation	correlation	NOUN
ajbmeb-1707	182	16	coefficients	coefficient	NOUN
ajbmeb-1707	182	17	calculated	calculate	VERB
ajbmeb-1707	182	18	for	for	ADP
ajbmeb-1707	182	19	each	each	PRON
ajbmeb-1707	182	20	of	of	ADP
ajbmeb-1707	182	21	its	its	PRON
ajbmeb-1707	182	22	paragraphs	paragraph	NOUN
ajbmeb-1707	182	23	are	be	AUX
ajbmeb-1707	182	24	greater	great	ADJ
ajbmeb-1707	182	25	than	than	ADP
ajbmeb-1707	182	26	the	the	DET
ajbmeb-1707	182	27	tabular	tabular	ADJ
ajbmeb-1707	182	28	value	value	NOUN
ajbmeb-1707	182	29	of	of	ADP
ajbmeb-1707	182	30	r	r	NOUN
ajbmeb-1707	182	31	,	,	PUNCT
ajbmeb-1707	182	32	in	in	ADP
ajbmeb-1707	182	33	all	all	DET
ajbmeb-1707	182	34	paragraphs	paragraph	NOUN
ajbmeb-1707	182	35	.	.	PUNCT
ajbmeb-1707	183	1	american	american	PROPN
ajbmeb-1707	183	2	journal	journal	PROPN
ajbmeb-1707	183	3	of	of	ADP
ajbmeb-1707	183	4	business	business	NOUN
ajbmeb-1707	183	5	management	management	NOUN
ajbmeb-1707	183	6	,	,	PUNCT
ajbmeb-1707	183	7	economics	economic	NOUN
ajbmeb-1707	183	8	and	and	CCONJ
ajbmeb-1707	183	9	banking	banking	NOUN
ajbmeb-1707	183	10	volume	volume	NOUN
ajbmeb-1707	183	11	20	20	NUM
ajbmeb-1707	183	12	january	january	PROPN
ajbmeb-1707	183	13	,	,	PUNCT
ajbmeb-1707	183	14	2024	2024	NUM
ajbmeb-1707	183	15	p	p	NOUN
ajbmeb-1707	183	16	a	a	DET
ajbmeb-1707	183	17	g	g	NOUN
ajbmeb-1707	183	18	e	e	NOUN
ajbmeb-1707	183	19	|	|	NOUN
ajbmeb-1707	183	20	25	25	NUM
ajbmeb-1707	183	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1707	183	22	axis	axis	NOUN
ajbmeb-1707	183	23	means	mean	VERB
ajbmeb-1707	183	24	that	that	SCONJ
ajbmeb-1707	183	25	there	there	PRON
ajbmeb-1707	183	26	is	be	VERB
ajbmeb-1707	183	27	a	a	DET
ajbmeb-1707	183	28	significant	significant	ADJ
ajbmeb-1707	183	29	association	association	NOUN
ajbmeb-1707	183	30	,	,	PUNCT
ajbmeb-1707	183	31	including	include	VERB
ajbmeb-1707	183	32	the	the	DET
ajbmeb-1707	183	33	axis	axis	NOUN
ajbmeb-1707	183	34	items	item	NOUN
ajbmeb-1707	183	35	,	,	PUNCT
ajbmeb-1707	183	36	that	that	PRON
ajbmeb-1707	183	37	is	be	AUX
ajbmeb-1707	183	38	true	true	ADJ
ajbmeb-1707	183	39	and	and	CCONJ
ajbmeb-1707	183	40	internally	internally	ADV
ajbmeb-1707	183	41	consistent	consistent	ADJ
ajbmeb-1707	183	42	with	with	ADP
ajbmeb-1707	183	43	what	what	PRON
ajbmeb-1707	183	44	it	it	PRON
ajbmeb-1707	183	45	was	be	AUX
ajbmeb-1707	183	46	designed	design	VERB
ajbmeb-1707	183	47	to	to	PART
ajbmeb-1707	183	48	measure	measure	VERB
ajbmeb-1707	183	49	.	.	PUNCT
ajbmeb-1707	184	1	table	table	NOUN
ajbmeb-1707	184	2	no	no	INTJ
ajbmeb-1707	184	3	.	.	PUNCT
ajbmeb-1707	185	1	(	(	PUNCT
ajbmeb-1707	185	2	12	12	NUM
ajbmeb-1707	185	3	)	)	PUNCT
ajbmeb-1707	185	4	shows	show	VERB
ajbmeb-1707	185	5	cronbach	cronbach	VERB
ajbmeb-1707	185	6	's	's	PART
ajbmeb-1707	185	7	alpha	alpha	ADJ
ajbmeb-1707	185	8	coefficient	coefficient	NOUN
ajbmeb-1707	185	9	reliability	reliability	NOUN
ajbmeb-1707	185	10	statistics	statistic	NOUN
ajbmeb-1707	185	11	cronbach	cronbach	VERB
ajbmeb-1707	185	12	's	's	PART
ajbmeb-1707	185	13	alpha	alpha	NOUN
ajbmeb-1707	185	14	cronbach	cronbach	NOUN
ajbmeb-1707	185	15	's	's	PART
ajbmeb-1707	185	16	alpha	alpha	NOUN
ajbmeb-1707	185	17	based	base	VERB
ajbmeb-1707	185	18	on	on	ADP
ajbmeb-1707	185	19	standardized	standardized	ADJ
ajbmeb-1707	185	20	items	item	NOUN
ajbmeb-1707	185	21	n	n	ADP
ajbmeb-1707	185	22	of	of	ADP
ajbmeb-1707	185	23	items	item	NOUN
ajbmeb-1707	185	24	.812	.812	NUM
ajbmeb-1707	185	25	.973	.973	NUM
ajbmeb-1707	185	26	9	9	NUM
ajbmeb-1707	185	27	from	from	ADP
ajbmeb-1707	185	28	the	the	DET
ajbmeb-1707	185	29	table	table	NOUN
ajbmeb-1707	185	30	above	above	ADP
ajbmeb-1707	185	31	it	it	PRON
ajbmeb-1707	185	32	is	be	AUX
ajbmeb-1707	185	33	clear	clear	ADJ
ajbmeb-1707	185	34	that	that	SCONJ
ajbmeb-1707	185	35	the	the	DET
ajbmeb-1707	185	36	alpha	alpha	NOUN
ajbmeb-1707	185	37	ratio	ratio	NOUN
ajbmeb-1707	185	38	is	be	AUX
ajbmeb-1707	185	39	equal	equal	ADJ
ajbmeb-1707	185	40	to	to	ADP
ajbmeb-1707	185	41	(	(	PUNCT
ajbmeb-1707	185	42	0.812	0.812	NUM
ajbmeb-1707	185	43	)	)	PUNCT
ajbmeb-1707	185	44	,	,	PUNCT
ajbmeb-1707	185	45	which	which	PRON
ajbmeb-1707	185	46	is	be	AUX
ajbmeb-1707	185	47	a	a	DET
ajbmeb-1707	185	48	good	good	ADJ
ajbmeb-1707	185	49	ratio	ratio	NOUN
ajbmeb-1707	185	50	.	.	PUNCT
ajbmeb-1707	186	1	it	it	PRON
ajbmeb-1707	186	2	has	have	AUX
ajbmeb-1707	186	3	been	be	AUX
ajbmeb-1707	186	4	proven	prove	VERB
ajbmeb-1707	186	5	that	that	SCONJ
ajbmeb-1707	186	6	the	the	DET
ajbmeb-1707	186	7	questionnaire	questionnaire	NOUN
ajbmeb-1707	186	8	will	will	AUX
ajbmeb-1707	186	9	give	give	VERB
ajbmeb-1707	186	10	good	good	ADJ
ajbmeb-1707	186	11	results	result	NOUN
ajbmeb-1707	186	12	and	and	CCONJ
ajbmeb-1707	186	13	indicates	indicate	VERB
ajbmeb-1707	186	14	honesty	honesty	NOUN
ajbmeb-1707	186	15	and	and	CCONJ
ajbmeb-1707	186	16	stability	stability	NOUN
ajbmeb-1707	186	17	in	in	ADP
ajbmeb-1707	186	18	its	its	PRON
ajbmeb-1707	186	19	results	result	NOUN
ajbmeb-1707	186	20	.	.	PUNCT
ajbmeb-1707	187	1	4.conclusion	4.conclusion	NUM
ajbmeb-1707	187	2	1difficulty	1difficulty	NUM
ajbmeb-1707	187	3	gaining	gain	VERB
ajbmeb-1707	187	4	customer	customer	NOUN
ajbmeb-1707	187	5	trust	trust	NOUN
ajbmeb-1707	187	6	due	due	ADP
ajbmeb-1707	187	7	to	to	ADP
ajbmeb-1707	187	8	fear	fear	NOUN
ajbmeb-1707	187	9	of	of	ADP
ajbmeb-1707	187	10	fraud	fraud	NOUN
ajbmeb-1707	187	11	in	in	ADP
ajbmeb-1707	187	12	the	the	DET
ajbmeb-1707	187	13	absence	absence	NOUN
ajbmeb-1707	187	14	of	of	ADP
ajbmeb-1707	187	15	adequate	adequate	ADJ
ajbmeb-1707	187	16	consumer	consumer	NOUN
ajbmeb-1707	187	17	protection	protection	NOUN
ajbmeb-1707	187	18	frameworks	framework	NOUN
ajbmeb-1707	187	19	in	in	ADP
ajbmeb-1707	187	20	the	the	DET
ajbmeb-1707	187	21	field	field	NOUN
ajbmeb-1707	187	22	of	of	ADP
ajbmeb-1707	187	23	financial	financial	ADJ
ajbmeb-1707	187	24	services	service	NOUN
ajbmeb-1707	187	25	and	and	CCONJ
ajbmeb-1707	187	26	data	datum	NOUN
ajbmeb-1707	187	27	privacy	privacy	NOUN
ajbmeb-1707	187	28	laws	law	NOUN
ajbmeb-1707	187	29	.	.	PUNCT
ajbmeb-1707	188	1	2low	2low	ADJ
ajbmeb-1707	188	2	quality	quality	NOUN
ajbmeb-1707	188	3	of	of	ADP
ajbmeb-1707	188	4	internet	internet	NOUN
ajbmeb-1707	188	5	and	and	CCONJ
ajbmeb-1707	188	6	mobile	mobile	ADJ
ajbmeb-1707	188	7	phone	phone	NOUN
ajbmeb-1707	188	8	service	service	NOUN
ajbmeb-1707	188	9	and	and	CCONJ
ajbmeb-1707	188	10	their	their	PRON
ajbmeb-1707	188	11	prices	price	NOUN
ajbmeb-1707	188	12	,	,	PUNCT
ajbmeb-1707	188	13	despite	despite	SCONJ
ajbmeb-1707	188	14	the	the	DET
ajbmeb-1707	188	15	high	high	ADJ
ajbmeb-1707	188	16	penetration	penetration	NOUN
ajbmeb-1707	188	17	rates	rate	NOUN
ajbmeb-1707	188	18	of	of	ADP
ajbmeb-1707	188	19	information	information	NOUN
ajbmeb-1707	188	20	and	and	CCONJ
ajbmeb-1707	188	21	communications	communication	NOUN
ajbmeb-1707	188	22	technology	technology	NOUN
ajbmeb-1707	188	23	in	in	ADP
ajbmeb-1707	188	24	recent	recent	ADJ
ajbmeb-1707	188	25	years	year	NOUN
ajbmeb-1707	188	26	.	.	PUNCT
ajbmeb-1707	189	1	3institutional	3institutional	NUM
ajbmeb-1707	189	2	support	support	NOUN
ajbmeb-1707	189	3	is	be	AUX
ajbmeb-1707	189	4	still	still	ADV
ajbmeb-1707	189	5	limited	limit	VERB
ajbmeb-1707	189	6	,	,	PUNCT
ajbmeb-1707	189	7	as	as	SCONJ
ajbmeb-1707	189	8	a	a	DET
ajbmeb-1707	189	9	few	few	ADJ
ajbmeb-1707	189	10	arab	arab	ADJ
ajbmeb-1707	189	11	countries	country	NOUN
ajbmeb-1707	189	12	have	have	AUX
ajbmeb-1707	189	13	established	establish	VERB
ajbmeb-1707	189	14	incubators	incubator	NOUN
ajbmeb-1707	189	15	to	to	PART
ajbmeb-1707	189	16	help	help	VERB
ajbmeb-1707	189	17	increase	increase	VERB
ajbmeb-1707	189	18	startup	startup	NOUN
ajbmeb-1707	189	19	companies	company	NOUN
ajbmeb-1707	189	20	.	.	PUNCT
ajbmeb-1707	190	1	4the	4the	NUM
ajbmeb-1707	190	2	laws	law	NOUN
ajbmeb-1707	190	3	imposed	impose	VERB
ajbmeb-1707	190	4	on	on	ADP
ajbmeb-1707	190	5	financial	financial	ADJ
ajbmeb-1707	190	6	technology	technology	NOUN
ajbmeb-1707	190	7	have	have	AUX
ajbmeb-1707	190	8	hindered	hinder	VERB
ajbmeb-1707	190	9	the	the	DET
ajbmeb-1707	190	10	development	development	NOUN
ajbmeb-1707	190	11	of	of	ADP
ajbmeb-1707	190	12	this	this	DET
ajbmeb-1707	190	13	field	field	NOUN
ajbmeb-1707	190	14	in	in	ADP
ajbmeb-1707	190	15	the	the	DET
ajbmeb-1707	190	16	arab	arab	ADJ
ajbmeb-1707	190	17	world	world	NOUN
ajbmeb-1707	190	18	5financial	5financial	ADJ
ajbmeb-1707	190	19	technology	technology	NOUN
ajbmeb-1707	190	20	is	be	AUX
ajbmeb-1707	190	21	no	no	ADV
ajbmeb-1707	190	22	longer	long	ADV
ajbmeb-1707	190	23	an	an	DET
ajbmeb-1707	190	24	option	option	NOUN
ajbmeb-1707	190	25	because	because	SCONJ
ajbmeb-1707	190	26	of	of	ADP
ajbmeb-1707	190	27	the	the	DET
ajbmeb-1707	190	28	local	local	ADJ
ajbmeb-1707	190	29	and	and	CCONJ
ajbmeb-1707	190	30	international	international	ADJ
ajbmeb-1707	190	31	investment	investment	NOUN
ajbmeb-1707	190	32	opportunities	opportunity	NOUN
ajbmeb-1707	190	33	it	it	PRON
ajbmeb-1707	190	34	provides	provide	VERB
ajbmeb-1707	190	35	6the	6the	DET
ajbmeb-1707	190	36	abundance	abundance	NOUN
ajbmeb-1707	190	37	of	of	ADP
ajbmeb-1707	190	38	means	mean	NOUN
ajbmeb-1707	190	39	of	of	ADP
ajbmeb-1707	190	40	communication	communication	NOUN
ajbmeb-1707	190	41	allows	allow	VERB
ajbmeb-1707	190	42	quick	quick	ADJ
ajbmeb-1707	190	43	access	access	NOUN
ajbmeb-1707	190	44	to	to	ADP
ajbmeb-1707	190	45	the	the	DET
ajbmeb-1707	190	46	world	world	NOUN
ajbmeb-1707	190	47	of	of	ADP
ajbmeb-1707	190	48	financial	financial	ADJ
ajbmeb-1707	190	49	technology	technology	NOUN
ajbmeb-1707	190	50	7	7	NUM
ajbmeb-1707	190	51	in	in	ADP
ajbmeb-1707	190	52	order	order	NOUN
ajbmeb-1707	190	53	to	to	PART
ajbmeb-1707	190	54	increase	increase	VERB
ajbmeb-1707	190	55	the	the	DET
ajbmeb-1707	190	56	efficiency	efficiency	NOUN
ajbmeb-1707	190	57	of	of	ADP
ajbmeb-1707	190	58	the	the	DET
ajbmeb-1707	190	59	iraqi	iraqi	ADJ
ajbmeb-1707	190	60	banking	banking	NOUN
ajbmeb-1707	190	61	sector	sector	NOUN
ajbmeb-1707	190	62	,	,	PUNCT
ajbmeb-1707	190	63	iraq	iraq	PROPN
ajbmeb-1707	190	64	must	must	AUX
ajbmeb-1707	190	65	adopt	adopt	VERB
ajbmeb-1707	190	66	a	a	DET
ajbmeb-1707	190	67	smart	smart	ADJ
ajbmeb-1707	190	68	regulatory	regulatory	ADJ
ajbmeb-1707	190	69	strategy	strategy	NOUN
ajbmeb-1707	190	70	with	with	ADP
ajbmeb-1707	190	71	its	its	PRON
ajbmeb-1707	190	72	effective	effective	ADJ
ajbmeb-1707	190	73	implementation	implementation	NOUN
ajbmeb-1707	190	74	8investment	8investment	NUM
ajbmeb-1707	190	75	in	in	ADP
ajbmeb-1707	190	76	technology	technology	NOUN
ajbmeb-1707	190	77	and	and	CCONJ
ajbmeb-1707	190	78	continued	continued	ADJ
ajbmeb-1707	190	79	support	support	NOUN
ajbmeb-1707	190	80	for	for	ADP
ajbmeb-1707	190	81	emerging	emerge	VERB
ajbmeb-1707	190	82	companies	company	NOUN
ajbmeb-1707	190	83	by	by	ADP
ajbmeb-1707	190	84	the	the	DET
ajbmeb-1707	190	85	government	government	NOUN
ajbmeb-1707	190	86	9the	9the	DET
ajbmeb-1707	190	87	application	application	NOUN
ajbmeb-1707	190	88	of	of	ADP
ajbmeb-1707	190	89	artificial	artificial	ADJ
ajbmeb-1707	190	90	intelligence	intelligence	NOUN
ajbmeb-1707	190	91	contributes	contribute	VERB
ajbmeb-1707	190	92	to	to	ADP
ajbmeb-1707	190	93	increasing	increase	VERB
ajbmeb-1707	190	94	the	the	DET
ajbmeb-1707	190	95	efficiency	efficiency	NOUN
ajbmeb-1707	190	96	of	of	ADP
ajbmeb-1707	190	97	the	the	DET
ajbmeb-1707	190	98	performance	performance	NOUN
ajbmeb-1707	190	99	and	and	CCONJ
ajbmeb-1707	190	100	strategic	strategic	ADJ
ajbmeb-1707	190	101	activities	activity	NOUN
ajbmeb-1707	190	102	of	of	ADP
ajbmeb-1707	190	103	the	the	DET
ajbmeb-1707	190	104	state	state	NOUN
ajbmeb-1707	190	105	and	and	CCONJ
ajbmeb-1707	190	106	institutions	institution	NOUN
ajbmeb-1707	190	107	10banks	10bank	NOUN
ajbmeb-1707	190	108	must	must	AUX
ajbmeb-1707	190	109	make	make	VERB
ajbmeb-1707	190	110	better	well	ADJ
ajbmeb-1707	190	111	use	use	NOUN
ajbmeb-1707	190	112	of	of	ADP
ajbmeb-1707	190	113	new	new	ADJ
ajbmeb-1707	190	114	capabilities	capability	NOUN
ajbmeb-1707	190	115	by	by	ADP
ajbmeb-1707	190	116	continuously	continuously	ADV
ajbmeb-1707	190	117	innovating	innovate	VERB
ajbmeb-1707	190	118	at	at	ADP
ajbmeb-1707	190	119	speed	speed	NOUN
ajbmeb-1707	190	120	and	and	CCONJ
ajbmeb-1707	190	121	scale	scale	VERB
ajbmeb-1707	190	122	and	and	CCONJ
ajbmeb-1707	190	123	reinvesting	reinveste	VERB
ajbmeb-1707	190	124	as	as	ADP
ajbmeb-1707	190	125	necessary	necessary	ADJ
ajbmeb-1707	190	126	to	to	PART
ajbmeb-1707	190	127	extract	extract	VERB
ajbmeb-1707	190	128	optimal	optimal	ADJ
ajbmeb-1707	190	129	value	value	NOUN
ajbmeb-1707	190	130	from	from	ADP
ajbmeb-1707	190	131	technologies	technology	NOUN
ajbmeb-1707	190	132	that	that	PRON
ajbmeb-1707	190	133	support	support	VERB
ajbmeb-1707	190	134	artificial	artificial	ADJ
ajbmeb-1707	190	135	intelligence	intelligence	NOUN
ajbmeb-1707	190	136	.	.	PUNCT
ajbmeb-1707	191	1	11the	11the	ADJ
ajbmeb-1707	191	2	application	application	NOUN
ajbmeb-1707	191	3	of	of	ADP
ajbmeb-1707	191	4	artificial	artificial	ADJ
ajbmeb-1707	191	5	intelligence	intelligence	NOUN
ajbmeb-1707	191	6	contributes	contribute	VERB
ajbmeb-1707	191	7	to	to	ADP
ajbmeb-1707	191	8	reducing	reduce	VERB
ajbmeb-1707	191	9	the	the	DET
ajbmeb-1707	191	10	negative	negative	ADJ
ajbmeb-1707	191	11	aspects	aspect	NOUN
ajbmeb-1707	191	12	accompanying	accompany	VERB
ajbmeb-1707	191	13	banking	banking	NOUN
ajbmeb-1707	191	14	work	work	NOUN
ajbmeb-1707	191	15	,	,	PUNCT
ajbmeb-1707	191	16	such	such	ADJ
ajbmeb-1707	191	17	as	as	ADP
ajbmeb-1707	191	18	cases	case	NOUN
ajbmeb-1707	191	19	of	of	ADP
ajbmeb-1707	191	20	fraud	fraud	NOUN
ajbmeb-1707	191	21	,	,	PUNCT
ajbmeb-1707	191	22	money	money	NOUN
ajbmeb-1707	191	23	laundering	laundering	NOUN
ajbmeb-1707	191	24	,	,	PUNCT
ajbmeb-1707	191	25	and	and	CCONJ
ajbmeb-1707	191	26	reducing	reduce	VERB
ajbmeb-1707	191	27	human	human	ADJ
ajbmeb-1707	191	28	errors	error	NOUN
ajbmeb-1707	191	29	.	.	PUNCT
ajbmeb-1707	192	1	12artificial	12artificial	ADJ
ajbmeb-1707	192	2	intelligence	intelligence	NOUN
ajbmeb-1707	192	3	is	be	AUX
ajbmeb-1707	192	4	applied	apply	VERB
ajbmeb-1707	192	5	in	in	ADP
ajbmeb-1707	192	6	the	the	DET
ajbmeb-1707	192	7	banking	banking	NOUN
ajbmeb-1707	192	8	sector	sector	NOUN
ajbmeb-1707	192	9	through	through	ADP
ajbmeb-1707	192	10	a	a	DET
ajbmeb-1707	192	11	number	number	NOUN
ajbmeb-1707	192	12	of	of	ADP
ajbmeb-1707	192	13	approaches	approach	NOUN
ajbmeb-1707	192	14	,	,	PUNCT
ajbmeb-1707	192	15	such	such	ADJ
ajbmeb-1707	192	16	as	as	ADP
ajbmeb-1707	192	17	chat	chat	PROPN
ajbmeb-1707	192	18	robots	robot	NOUN
ajbmeb-1707	192	19	and	and	CCONJ
ajbmeb-1707	192	20	process	process	NOUN
ajbmeb-1707	192	21	automation	automation	NOUN
ajbmeb-1707	192	22	.	.	PUNCT
ajbmeb-1707	193	1	despite	despite	SCONJ
ajbmeb-1707	193	2	the	the	DET
ajbmeb-1707	193	3	positives	positive	NOUN
ajbmeb-1707	193	4	presented	present	VERB
ajbmeb-1707	193	5	by	by	ADP
ajbmeb-1707	193	6	investing	invest	VERB
ajbmeb-1707	193	7	in	in	ADP
ajbmeb-1707	193	8	artificial	artificial	ADJ
ajbmeb-1707	193	9	intelligence	intelligence	NOUN
ajbmeb-1707	193	10	,	,	PUNCT
ajbmeb-1707	193	11	there	there	PRON
ajbmeb-1707	193	12	are	be	VERB
ajbmeb-1707	193	13	a	a	DET
ajbmeb-1707	193	14	number	number	NOUN
ajbmeb-1707	193	15	of	of	ADP
ajbmeb-1707	193	16	challenges	challenge	NOUN
ajbmeb-1707	193	17	that	that	PRON
ajbmeb-1707	193	18	may	may	AUX
ajbmeb-1707	193	19	prevent	prevent	VERB
ajbmeb-1707	193	20	the	the	DET
ajbmeb-1707	193	21	widespread	widespread	ADJ
ajbmeb-1707	193	22	application	application	NOUN
ajbmeb-1707	193	23	of	of	ADP
ajbmeb-1707	193	24	these	these	DET
ajbmeb-1707	193	25	applications	application	NOUN
ajbmeb-1707	193	26	american	american	ADJ
ajbmeb-1707	193	27	journal	journal	PROPN
ajbmeb-1707	193	28	of	of	ADP
ajbmeb-1707	193	29	business	business	NOUN
ajbmeb-1707	193	30	management	management	NOUN
ajbmeb-1707	193	31	,	,	PUNCT
ajbmeb-1707	193	32	economics	economic	NOUN
ajbmeb-1707	193	33	and	and	CCONJ
ajbmeb-1707	193	34	banking	banking	NOUN
ajbmeb-1707	193	35	volume	volume	NOUN
ajbmeb-1707	193	36	20	20	NUM
ajbmeb-1707	193	37	january	january	PROPN
ajbmeb-1707	193	38	,	,	PUNCT
ajbmeb-1707	193	39	2024	2024	NUM
ajbmeb-1707	193	40	p	p	NOUN
ajbmeb-1707	193	41	a	a	DET
ajbmeb-1707	193	42	g	g	NOUN
ajbmeb-1707	193	43	e	e	NOUN
ajbmeb-1707	194	1	|	|	ADV
ajbmeb-1707	194	2	26	26	NUM
ajbmeb-1707	194	3	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1707	194	4	references	reference	NOUN
ajbmeb-1707	194	5	1	1	NUM
ajbmeb-1707	194	6	.	.	PUNCT
ajbmeb-1707	194	7	ahmed	ahmed	PROPN
ajbmeb-1707	194	8	kazem	kazem	PROPN
ajbmeb-1707	194	9	,	,	PUNCT
ajbmeb-1707	194	10	university	university	NOUN
ajbmeb-1707	194	11	research	research	NOUN
ajbmeb-1707	194	12	on	on	ADP
ajbmeb-1707	194	13	artificial	artificial	ADJ
ajbmeb-1707	194	14	intelligence	intelligence	NOUN
ajbmeb-1707	194	15	,	,	PUNCT
ajbmeb-1707	194	16	imam	imam	PROPN
ajbmeb-1707	194	17	jaafar	jaafar	PROPN
ajbmeb-1707	194	18	university	university	PROPN
ajbmeb-1707	194	19	,	,	PUNCT
ajbmeb-1707	194	20	college	college	NOUN
ajbmeb-1707	194	21	of	of	ADP
ajbmeb-1707	194	22	information	information	NOUN
ajbmeb-1707	194	23	technology	technology	NOUN
ajbmeb-1707	194	24	,	,	PUNCT
ajbmeb-1707	194	25	department	department	NOUN
ajbmeb-1707	194	26	of	of	ADP
ajbmeb-1707	194	27	software	software	PROPN
ajbmeb-1707	194	28	engineering	engineering	PROPN
ajbmeb-1707	194	29	,	,	PUNCT
ajbmeb-1707	194	30	iraq	iraq	PROPN
ajbmeb-1707	194	31	,	,	PUNCT
ajbmeb-1707	194	32	2012	2012	NUM
ajbmeb-1707	194	33	.	.	PUNCT
ajbmeb-1707	195	1	2	2	X
ajbmeb-1707	195	2	.	.	PUNCT
ajbmeb-1707	195	3	ahmed	ahmed	PROPN
ajbmeb-1707	195	4	kazem	kazem	PROPN
ajbmeb-1707	195	5	,	,	PUNCT
ajbmeb-1707	195	6	artificial	artificial	ADJ
ajbmeb-1707	195	7	intelligence	intelligence	NOUN
ajbmeb-1707	195	8	book	book	NOUN
ajbmeb-1707	195	9	,	,	PUNCT
ajbmeb-1707	195	10	imam	imam	PROPN
ajbmeb-1707	195	11	sadiq	sadiq	PROPN
ajbmeb-1707	195	12	university	university	PROPN
ajbmeb-1707	195	13	,	,	PUNCT
ajbmeb-1707	195	14	college	college	NOUN
ajbmeb-1707	195	15	of	of	ADP
ajbmeb-1707	195	16	information	information	NOUN
ajbmeb-1707	195	17	technology	technology	NOUN
ajbmeb-1707	195	18	,	,	PUNCT
ajbmeb-1707	195	19	department	department	NOUN
ajbmeb-1707	195	20	of	of	ADP
ajbmeb-1707	195	21	software	software	PROPN
ajbmeb-1707	195	22	engineering	engineering	PROPN
ajbmeb-1707	195	23	,	,	PUNCT
ajbmeb-1707	195	24	iraq	iraq	PROPN
ajbmeb-1707	195	25	.	.	PUNCT
ajbmeb-1707	196	1	2012	2012	NUM
ajbmeb-1707	196	2	.	.	PUNCT
ajbmeb-1707	197	1	3	3	X
ajbmeb-1707	197	2	.	.	X
ajbmeb-1707	197	3	jihad	jihad	PROPN
ajbmeb-1707	197	4	ahmed	ahmed	PROPN
ajbmeb-1707	197	5	afifi	afifi	PROPN
ajbmeb-1707	197	6	,	,	PUNCT
ajbmeb-1707	197	7	artificial	artificial	ADJ
ajbmeb-1707	197	8	intelligence	intelligence	NOUN
ajbmeb-1707	197	9	and	and	CCONJ
ajbmeb-1707	197	10	expert	expert	NOUN
ajbmeb-1707	197	11	systems	system	NOUN
ajbmeb-1707	197	12	,	,	PUNCT
ajbmeb-1707	197	13	first	first	PROPN
ajbmeb-1707	197	14	edition	edition	NOUN
ajbmeb-1707	197	15	,	,	PUNCT
ajbmeb-1707	197	16	amjad	amjad	PROPN
ajbmeb-1707	197	17	publishing	publishing	PROPN
ajbmeb-1707	197	18	and	and	CCONJ
ajbmeb-1707	197	19	distribution	distribution	NOUN
ajbmeb-1707	197	20	house	house	NOUN
ajbmeb-1707	197	21	,	,	PUNCT
ajbmeb-1707	197	22	amman	amman	PROPN
ajbmeb-1707	197	23	,	,	PUNCT
ajbmeb-1707	197	24	jordan	jordan	PROPN
ajbmeb-1707	197	25	,	,	PUNCT
ajbmeb-1707	197	26	2014	2014	NUM
ajbmeb-1707	197	27	.	.	PUNCT
ajbmeb-1707	198	1	4	4	X
ajbmeb-1707	198	2	.	.	X
ajbmeb-1707	198	3	khairuddin	khairuddin	VERB
ajbmeb-1707	198	4	bouzarb	bouzarb	PROPN
ajbmeb-1707	198	5	,	,	PUNCT
ajbmeb-1707	198	6	heba	heba	PROPN
ajbmeb-1707	198	7	sahnoun	sahnoun	PROPN
ajbmeb-1707	198	8	,	,	PUNCT
ajbmeb-1707	198	9	a	a	DET
ajbmeb-1707	198	10	collective	collective	ADJ
ajbmeb-1707	198	11	book	book	NOUN
ajbmeb-1707	198	12	entitled	entitle	VERB
ajbmeb-1707	198	13	applications	application	NOUN
ajbmeb-1707	198	14	of	of	ADP
ajbmeb-1707	198	15	intelligence	intelligence	NOUN
ajbmeb-1707	198	16	as	as	ADP
ajbmeb-1707	198	17	a	a	DET
ajbmeb-1707	198	18	modern	modern	ADJ
ajbmeb-1707	198	19	trend	trend	NOUN
ajbmeb-1707	198	20	to	to	PART
ajbmeb-1707	198	21	enhance	enhance	VERB
ajbmeb-1707	198	22	the	the	DET
ajbmeb-1707	198	23	competitiveness	competitiveness	NOUN
ajbmeb-1707	198	24	of	of	ADP
ajbmeb-1707	198	25	business	business	NOUN
ajbmeb-1707	198	26	organizations	organization	NOUN
ajbmeb-1707	198	27	,	,	PUNCT
ajbmeb-1707	198	28	first	first	PROPN
ajbmeb-1707	198	29	edition	edition	NOUN
ajbmeb-1707	198	30	,	,	PUNCT
ajbmeb-1707	198	31	arab	arab	ADJ
ajbmeb-1707	198	32	democratic	democratic	ADJ
ajbmeb-1707	198	33	center	center	PROPN
ajbmeb-1707	198	34	for	for	ADP
ajbmeb-1707	198	35	strategic	strategic	ADJ
ajbmeb-1707	198	36	,	,	PUNCT
ajbmeb-1707	198	37	political	political	ADJ
ajbmeb-1707	198	38	and	and	CCONJ
ajbmeb-1707	198	39	economic	economic	ADJ
ajbmeb-1707	198	40	studies	study	NOUN
ajbmeb-1707	198	41	publishing	publish	VERB
ajbmeb-1707	198	42	,	,	PUNCT
ajbmeb-1707	198	43	berlin	berlin	PROPN
ajbmeb-1707	198	44	germany	germany	PROPN
ajbmeb-1707	198	45	,	,	PUNCT
ajbmeb-1707	198	46	2019	2019	NUM
ajbmeb-1707	198	47	.	.	PUNCT
ajbmeb-1707	199	1	5	5	NUM
ajbmeb-1707	199	2	.	.	PUNCT
ajbmeb-1707	199	3	zain	zain	PROPN
ajbmeb-1707	199	4	abdel	abdel	PROPN
ajbmeb-1707	199	5	hadi	hadi	PROPN
ajbmeb-1707	199	6	,	,	PUNCT
ajbmeb-1707	199	7	artificial	artificial	ADJ
ajbmeb-1707	199	8	intelligence	intelligence	NOUN
ajbmeb-1707	199	9	and	and	CCONJ
ajbmeb-1707	199	10	expert	expert	NOUN
ajbmeb-1707	199	11	systems	system	NOUN
ajbmeb-1707	199	12	in	in	ADP
ajbmeb-1707	199	13	libraries	library	NOUN
ajbmeb-1707	199	14	,	,	PUNCT
ajbmeb-1707	199	15	academic	academic	ADJ
ajbmeb-1707	199	16	library	library	NOUN
ajbmeb-1707	199	17	,	,	PUNCT
ajbmeb-1707	199	18	first	first	PROPN
ajbmeb-1707	199	19	edition	edition	NOUN
ajbmeb-1707	199	20	,	,	PUNCT
ajbmeb-1707	199	21	cairo	cairo	PROPN
ajbmeb-1707	199	22	,	,	PUNCT
ajbmeb-1707	199	23	2000	2000	NUM
ajbmeb-1707	199	24	.	.	PUNCT
ajbmeb-1707	200	1	6	6	NUM
ajbmeb-1707	200	2	.	.	PUNCT
ajbmeb-1707	200	3	nazim	nazim	PROPN
ajbmeb-1707	200	4	muhammad	muhammad	PROPN
ajbmeb-1707	200	5	nouri	nouri	PROPN
ajbmeb-1707	200	6	al	al	PROPN
ajbmeb-1707	200	7	-	-	PUNCT
ajbmeb-1707	200	8	shammari	shammari	PROPN
ajbmeb-1707	200	9	,	,	PUNCT
ajbmeb-1707	200	10	abdel	abdel	PROPN
ajbmeb-1707	200	11	fattah	fattah	PROPN
ajbmeb-1707	200	12	zuhair	zuhair	PROPN
ajbmeb-1707	200	13	abdel	abdel	PROPN
ajbmeb-1707	200	14	alt	alt	PROPN
ajbmeb-1707	200	15	,	,	PUNCT
ajbmeb-1707	200	16	electronic	electronic	ADJ
ajbmeb-1707	200	17	banking	banking	NOUN
ajbmeb-1707	200	18	,	,	PUNCT
ajbmeb-1707	200	19	wael	wael	PROPN
ajbmeb-1707	200	20	publishing	publishing	PROPN
ajbmeb-1707	200	21	house	house	PROPN
ajbmeb-1707	200	22	,	,	PUNCT
ajbmeb-1707	200	23	jordan	jordan	PROPN
ajbmeb-1707	200	24	,	,	PUNCT
ajbmeb-1707	200	25	2008	2008	NUM
ajbmeb-1707	200	26	.	.	PUNCT
ajbmeb-1707	201	1	7	7	X
ajbmeb-1707	201	2	.	.	X
ajbmeb-1707	201	3	william	william	PROPN
ajbmeb-1707	201	4	krams	krams	PROPN
ajbmeb-1707	201	5	,	,	PUNCT
ajbmeb-1707	201	6	the	the	DET
ajbmeb-1707	201	7	seven	seven	NUM
ajbmeb-1707	201	8	axes	axis	NOUN
ajbmeb-1707	201	9	of	of	ADP
ajbmeb-1707	201	10	intelligence	intelligence	NOUN
ajbmeb-1707	201	11	,	,	PUNCT
ajbmeb-1707	201	12	wadi	wadi	PROPN
ajbmeb-1707	201	13	el	el	PROPN
ajbmeb-1707	201	14	nil	nil	PROPN
ajbmeb-1707	201	15	distribution	distribution	NOUN
ajbmeb-1707	201	16	,	,	PUNCT
ajbmeb-1707	201	17	egypt	egypt	PROPN
ajbmeb-1707	201	18	,	,	PUNCT
ajbmeb-1707	201	19	2011	2011	NUM
ajbmeb-1707	201	20	.	.	PUNCT
ajbmeb-1707	202	1	8	8	NUM
ajbmeb-1707	202	2	.	.	X
ajbmeb-1707	202	3	yassin	yassin	PROPN
ajbmeb-1707	202	4	saad	saad	PROPN
ajbmeb-1707	202	5	ghaleb	ghaleb	PROPN
ajbmeb-1707	202	6	,	,	PUNCT
ajbmeb-1707	202	7	information	information	NOUN
ajbmeb-1707	202	8	systems	system	NOUN
ajbmeb-1707	202	9	analysis	analysis	NOUN
ajbmeb-1707	202	10	and	and	CCONJ
ajbmeb-1707	202	11	design	design	NOUN
ajbmeb-1707	202	12	,	,	PUNCT
ajbmeb-1707	202	13	first	first	ADJ
ajbmeb-1707	202	14	edition	edition	NOUN
ajbmeb-1707	202	15	,	,	PUNCT
ajbmeb-1707	202	16	dar	dar	PROPN
ajbmeb-1707	202	17	al	al	PROPN
ajbmeb-1707	202	18	-	-	PUNCT
ajbmeb-1707	202	19	manhaj	manhaj	PROPN
ajbmeb-1707	202	20	for	for	ADP
ajbmeb-1707	202	21	publishing	publishing	NOUN
ajbmeb-1707	202	22	and	and	CCONJ
ajbmeb-1707	202	23	distribution	distribution	NOUN
ajbmeb-1707	202	24	,	,	PUNCT
ajbmeb-1707	202	25	amman	amman	PROPN
ajbmeb-1707	202	26	,	,	PUNCT
ajbmeb-1707	202	27	jordan	jordan	PROPN
ajbmeb-1707	202	28	,	,	PUNCT
ajbmeb-1707	202	29	2004	2004	NUM
ajbmeb-1707	202	30	.	.	PUNCT
ajbmeb-1707	203	1	9	9	NUM
ajbmeb-1707	203	2	.	.	X
ajbmeb-1707	203	3	yassin	yassin	PROPN
ajbmeb-1707	203	4	saad	saad	PROPN
ajbmeb-1707	203	5	ghaleb	ghaleb	PROPN
ajbmeb-1707	203	6	,	,	PUNCT
ajbmeb-1707	203	7	management	management	NOUN
ajbmeb-1707	203	8	information	information	NOUN
ajbmeb-1707	203	9	systems	system	NOUN
ajbmeb-1707	203	10	,	,	PUNCT
ajbmeb-1707	203	11	dar	dar	PROPN
ajbmeb-1707	203	12	al	al	PROPN
ajbmeb-1707	203	13	-	-	PUNCT
ajbmeb-1707	203	14	yazouri	yazouri	PROPN
ajbmeb-1707	203	15	for	for	ADP
ajbmeb-1707	203	16	publishing	publishing	NOUN
ajbmeb-1707	203	17	and	and	CCONJ
ajbmeb-1707	203	18	distribution	distribution	NOUN
ajbmeb-1707	203	19	,	,	PUNCT
ajbmeb-1707	203	20	amman	amman	PROPN
ajbmeb-1707	203	21	,	,	PUNCT
ajbmeb-1707	203	22	jordan	jordan	PROPN
ajbmeb-1707	203	23	,	,	PUNCT
ajbmeb-1707	203	24	2018	2018	NUM
ajbmeb-1707	203	25	.	.	PUNCT
ajbmeb-1707	204	1	10	10	NUM
ajbmeb-1707	204	2	.	.	PUNCT
ajbmeb-1707	204	3	muellerj&michaels	muellerj&michael	NOUN
ajbmeb-1707	204	4	,	,	PUNCT
ajbmeb-1707	204	5	the	the	DET
ajbmeb-1707	204	6	rise	rise	NOUN
ajbmeb-1707	204	7	of	of	ADP
ajbmeb-1707	204	8	fintech	fintech	NOUN
ajbmeb-1707	204	9	in	in	ADP
ajbmeb-1707	204	10	the	the	DET
ajbmeb-1707	204	11	middle	middle	PROPN
ajbmeb-1707	204	12	east	east	PROPN
ajbmeb-1707	204	13	,	,	PUNCT
ajbmeb-1707	204	14	an	an	DET
ajbmeb-1707	204	15	analysis	analysis	NOUN
ajbmeb-1707	204	16	of	of	ADP
ajbmeb-1707	204	17	the	the	DET
ajbmeb-1707	204	18	energence	energence	NOUN
ajbmeb-1707	204	19	of	of	ADP
ajbmeb-1707	204	20	bahrain	bahrain	NOUN
ajbmeb-1707	204	21	and	and	CCONJ
ajbmeb-1707	204	22	the	the	DET
ajbmeb-1707	204	23	united	united	PROPN
ajbmeb-1707	204	24	arab	arab	PROPN
ajbmeb-1707	204	25	emirates	emirates	PROPN
ajbmeb-1707	204	26	,	,	PUNCT
ajbmeb-1707	204	27	milken	milken	PROPN
ajbmeb-1707	204	28	institute	institute	PROPN
ajbmeb-1707	204	29	,	,	PUNCT
ajbmeb-1707	204	30	2019	2019	NUM
ajbmeb-1707	204	31	.	.	PUNCT
ajbmeb-1707	205	1	11	11	NUM
ajbmeb-1707	205	2	.	.	PUNCT
ajbmeb-1707	206	1	muellerj&michaels	muellerj&michael	NOUN
ajbmeb-1707	206	2	,	,	PUNCT
ajbmeb-1707	206	3	the	the	DET
ajbmeb-1707	206	4	rise	rise	NOUN
ajbmeb-1707	206	5	of	of	ADP
ajbmeb-1707	206	6	fintech	fintech	NOUN
ajbmeb-1707	206	7	in	in	ADP
ajbmeb-1707	206	8	the	the	DET
ajbmeb-1707	206	9	middle	middle	PROPN
ajbmeb-1707	206	10	east	east	PROPN
ajbmeb-1707	206	11	,	,	PUNCT
ajbmeb-1707	206	12	an	an	DET
ajbmeb-1707	206	13	analysis	analysis	NOUN
ajbmeb-1707	206	14	of	of	ADP
ajbmeb-1707	206	15	the	the	DET
ajbmeb-1707	206	16	energence	energence	NOUN
ajbmeb-1707	206	17	of	of	ADP
ajbmeb-1707	206	18	bahrain	bahrain	NOUN
ajbmeb-1707	206	19	and	and	CCONJ
ajbmeb-1707	206	20	the	the	DET
ajbmeb-1707	206	21	united	united	PROPN
ajbmeb-1707	206	22	arab	arab	PROPN
ajbmeb-1707	206	23	emirates	emirates	PROPN
ajbmeb-1707	206	24	,	,	PUNCT
ajbmeb-1707	206	25	milken	milken	PROPN
ajbmeb-1707	206	26	institute	institute	PROPN
ajbmeb-1707	206	27	,	,	PUNCT
ajbmeb-1707	206	28	2019	2019	NUM
ajbmeb-1707	206	29	.	.	PUNCT
ajbmeb-1707	207	1	12	12	NUM
ajbmeb-1707	207	2	.	.	PUNCT
ajbmeb-1707	207	3	muellerj&michaels	muellerj&michaels	PROPN
ajbmeb-1707	207	4	,	,	PUNCT
ajbmeb-1707	207	5	the	the	DET
ajbmeb-1707	207	6	rise	rise	NOUN
ajbmeb-1707	207	7	of	of	ADP
ajbmeb-1707	207	8	fintech	fintech	NOUN
ajbmeb-1707	207	9	in	in	ADP
ajbmeb-1707	207	10	the	the	DET
ajbmeb-1707	207	11	middle	middle	PROPN
ajbmeb-1707	207	12	east	east	PROPN
ajbmeb-1707	207	13	,	,	PUNCT
ajbmeb-1707	207	14	an	an	DET
ajbmeb-1707	207	15	analysis	analysis	NOUN
ajbmeb-1707	207	16	of	of	ADP
ajbmeb-1707	207	17	the	the	DET
ajbmeb-1707	207	18	energence	energence	NOUN
ajbmeb-1707	207	19	of	of	ADP
ajbmeb-1707	207	20	bahrain	bahrain	NOUN
ajbmeb-1707	207	21	and	and	CCONJ
ajbmeb-1707	207	22	the	the	DET
ajbmeb-1707	207	23	united	united	PROPN
ajbmeb-1707	207	24	arab	arab	PROPN
ajbmeb-1707	207	25	emirates	emirates	PROPN
ajbmeb-1707	207	26	,	,	PUNCT
ajbmeb-1707	207	27	milken	milken	PROPN
ajbmeb-1707	207	28	institute	institute	PROPN
ajbmeb-1707	207	29	,	,	PUNCT
ajbmeb-1707	207	30	2019	2019	NUM
ajbmeb-1707	207	31	.	.	PUNCT
ajbmeb-1707	208	1	13	13	NUM
ajbmeb-1707	208	2	.	.	X
ajbmeb-1707	209	1	shukla	shukla	PROPN
ajbmeb-1707	209	2	s	s	PROPN
ajbmeb-1707	209	3	,	,	PUNCT
ajbmeb-1707	209	4	&	&	CCONJ
ajbmeb-1707	209	5	vijay	vijay	PROPN
ajbmeb-1707	209	6	j	j	PROPN
ajbmeb-1707	209	7	,	,	PUNCT
ajbmeb-1707	209	8	applicability	applicability	NOUN
ajbmeb-1707	209	9	of	of	ADP
ajbmeb-1707	209	10	artificial	artificial	ADJ
ajbmeb-1707	209	11	intelligence	intelligence	NOUN
ajbmeb-1707	209	12	in	in	ADP
ajbmeb-1707	209	13	different	different	ADJ
ajbmeb-1707	209	14	fields	field	NOUN
ajbmeb-1707	209	15	of	of	ADP
ajbmeb-1707	209	16	life	life	NOUN
ajbmeb-1707	209	17	,	,	PUNCT
ajbmeb-1707	209	18	international	international	ADJ
ajbmeb-1707	209	19	journal	journal	NOUN
ajbmeb-1707	209	20	of	of	ADP
ajbmeb-1707	209	21	scientific	scientific	ADJ
ajbmeb-1707	209	22	engineering	engineering	NOUN
ajbmeb-1707	209	23	&	&	CCONJ
ajbmeb-1707	209	24	research	research	PROPN
ajbmeb-1707	209	25	,	,	PUNCT
ajbmeb-1707	209	26	2013	2013	NUM
ajbmeb-1707	209	27	,	,	PUNCT
ajbmeb-1707	209	28	p	p	NOUN
ajbmeb-1707	209	29	28	28	NUM
ajbmeb-1707	209	30	14	14	NUM
ajbmeb-1707	209	31	.	.	PUNCT
ajbmeb-1707	210	1	https://magnitt.com/research/2019-mena-fintech-venture-report-ar-50676	https://magnitt.com/research/2019-mena-fintech-venture-report-ar-50676	PROPN
ajbmeb-1707	210	2	15	15	NUM
ajbmeb-1707	210	3	.	.	PUNCT
ajbmeb-1707	210	4	http://fintechnews.sg/27160/ai/the-potential-of-ai-in-banking-report	http://fintechnews.sg/27160/ai/the-potential-of-ai-in-banking-report	PROPN
ajbmeb-1707	210	5	21/11/2023	21/11/2023	NUM
ajbmeb-1707	210	6	,	,	PUNCT
ajbmeb-1707	210	7	17:00	17:00	NUM
ajbmeb-1707	210	8	16	16	NUM
ajbmeb-1707	210	9	.	.	PUNCT
ajbmeb-1707	211	1	http://www.futureperfectmachine.com/s/ai-infinance-the-road-aheadfpm-dravis-pklz.pdf/	http://www.futureperfectmachine.com/s/ai-infinance-the-road-aheadfpm-dravis-pklz.pdf/	VERB
ajbmeb-1707	211	2	30/11/2023	30/11/2023	NUM
ajbmeb-1707	211	3	,	,	PUNCT
ajbmeb-1707	211	4	22	22	NUM
ajbmeb-1707	211	5	:	:	SYM
ajbmeb-1707	211	6	15	15	NUM
ajbmeb-1707	211	7	17	17	NUM
ajbmeb-1707	211	8	.	.	PUNCT
ajbmeb-1707	212	1	https://edoclogic.com/wp-content/uploads/2018/01/technology-hangingfintech-marketsj.jefferys-and-randy.pdf	https://edoclogic.com/wp-content/uploads/2018/01/technology-hangingfintech-marketsj.jefferys-and-randy.pdf	PROPN
ajbmeb-1707	212	2	12/11/2023	12/11/2023	NUM
ajbmeb-1707	212	3	,	,	PUNCT
ajbmeb-1707	212	4	18:30	18:30	NUM
ajbmeb-1707	212	5	18	18	NUM
ajbmeb-1707	212	6	.	.	PUNCT
ajbmeb-1707	213	1	https://en.wikipedia.org/wiki/applications_of_artificial_intelligence	https://en.wikipedia.org/wiki/applications_of_artificial_intelligence	NOUN
ajbmeb-1707	213	2	29/12/2023	29/12/2023	NUM
ajbmeb-1707	213	3	,	,	PUNCT
ajbmeb-1707	213	4	17:00	17:00	NUM
ajbmeb-1707	213	5	19	19	NUM
ajbmeb-1707	213	6	.	.	PUNCT
ajbmeb-1707	213	7	https://icpf.ir/wp-content/uploads/2018/05/the-future-of-fintech.pdf	https://icpf.ir/wp-content/uploads/2018/05/the-future-of-fintech.pdf	NOUN
ajbmeb-1707	213	8	10/12/2023	10/12/2023	NUM
ajbmeb-1707	213	9	,	,	PUNCT
ajbmeb-1707	213	10	17:03	17:03	NUM