id	sid	tid	token	lemma	pos
ajbmeb-2216	1	1	american	american	PROPN
ajbmeb-2216	1	2	journal	journal	PROPN
ajbmeb-2216	1	3	of	of	ADP
ajbmeb-2216	1	4	business	business	NOUN
ajbmeb-2216	1	5	management	management	NOUN
ajbmeb-2216	1	6	,	,	PUNCT
ajbmeb-2216	1	7	economics	economic	NOUN
ajbmeb-2216	1	8	and	and	CCONJ
ajbmeb-2216	1	9	banking	banking	NOUN
ajbmeb-2216	1	10	issn	issn	PROPN
ajbmeb-2216	1	11	(	(	PUNCT
ajbmeb-2216	1	12	e	e	NOUN
ajbmeb-2216	1	13	):	):	PUNCT
ajbmeb-2216	1	14	2832	2832	NUM
ajbmeb-2216	1	15	-	-	SYM
ajbmeb-2216	1	16	8078	8078	NUM
ajbmeb-2216	1	17	volume	volume	NOUN
ajbmeb-2216	1	18	25	25	NUM
ajbmeb-2216	1	19	,	,	PUNCT
ajbmeb-2216	1	20	|	|	ADV
ajbmeb-2216	1	21	june	june	PROPN
ajbmeb-2216	1	22	2024	2024	NUM
ajbmeb-2216	1	23	p	p	NOUN
ajbmeb-2216	1	24	a	a	DET
ajbmeb-2216	1	25	g	g	NOUN
ajbmeb-2216	1	26	e	e	NOUN
ajbmeb-2216	1	27	|	|	ADV
ajbmeb-2216	1	28	70	70	NUM
ajbmeb-2216	1	29	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2216	1	30	digital	digital	ADJ
ajbmeb-2216	1	31	banking	banking	NOUN
ajbmeb-2216	1	32	technologies	technology	NOUN
ajbmeb-2216	1	33	and	and	CCONJ
ajbmeb-2216	1	34	them	they	PRON
ajbmeb-2216	1	35	directions	direction	NOUN
ajbmeb-2216	1	36	for	for	ADP
ajbmeb-2216	1	37	effective	effective	ADJ
ajbmeb-2216	1	38	use	use	NOUN
ajbmeb-2216	1	39	in	in	ADP
ajbmeb-2216	1	40	the	the	DET
ajbmeb-2216	1	41	activities	activity	NOUN
ajbmeb-2216	1	42	of	of	ADP
ajbmeb-2216	1	43	commercial	commercial	ADJ
ajbmeb-2216	1	44	banks	bank	NOUN
ajbmeb-2216	1	45	qosimova	qosimova	VERB
ajbmeb-2216	1	46	mohigul	mohigul	NOUN
ajbmeb-2216	1	47	abduhamidovna	abduhamidovna	NOUN
ajbmeb-2216	1	48	denov	denov	NOUN
ajbmeb-2216	1	49	is	be	AUX
ajbmeb-2216	1	50	a	a	DET
ajbmeb-2216	1	51	doctoral	doctoral	ADJ
ajbmeb-2216	1	52	student	student	NOUN
ajbmeb-2216	1	53	at	at	ADP
ajbmeb-2216	1	54	the	the	DET
ajbmeb-2216	1	55	institute	institute	NOUN
ajbmeb-2216	1	56	of	of	ADP
ajbmeb-2216	1	57	entrepreneurship	entrepreneurship	NOUN
ajbmeb-2216	1	58	and	and	CCONJ
ajbmeb-2216	1	59	pedagogy	pedagogy	NOUN
ajbmeb-2216	1	60	a	a	DET
ajbmeb-2216	1	61	b	b	PROPN
ajbmeb-2216	1	62	s	s	ADP
ajbmeb-2216	1	63	t	t	PROPN
ajbmeb-2216	1	64	r	r	NOUN
ajbmeb-2216	1	65	a	a	DET
ajbmeb-2216	1	66	c	c	NOUN
ajbmeb-2216	1	67	t	t	NOUN
ajbmeb-2216	1	68	k	k	X
ajbmeb-2216	1	69	e	e	PROPN
ajbmeb-2216	1	70	y	y	PROPN
ajbmeb-2216	1	71	w	w	NOUN
ajbmeb-2216	1	72	o	o	NOUN
ajbmeb-2216	1	73	r	r	NOUN
ajbmeb-2216	1	74	d	d	X
ajbmeb-2216	1	75	s	s	NOUN
ajbmeb-2216	1	76	in	in	ADP
ajbmeb-2216	1	77	this	this	DET
ajbmeb-2216	1	78	article	article	NOUN
ajbmeb-2216	1	79	,	,	PUNCT
ajbmeb-2216	1	80	digital	digital	ADJ
ajbmeb-2216	1	81	banking	banking	NOUN
ajbmeb-2216	1	82	technologies	technology	NOUN
ajbmeb-2216	1	83	,	,	PUNCT
ajbmeb-2216	1	84	their	their	PRON
ajbmeb-2216	1	85	composition	composition	NOUN
ajbmeb-2216	1	86	,	,	PUNCT
ajbmeb-2216	1	87	and	and	CCONJ
ajbmeb-2216	1	88	directions	direction	NOUN
ajbmeb-2216	1	89	for	for	ADP
ajbmeb-2216	1	90	their	their	PRON
ajbmeb-2216	1	91	effective	effective	ADJ
ajbmeb-2216	1	92	use	use	NOUN
ajbmeb-2216	1	93	in	in	ADP
ajbmeb-2216	1	94	the	the	DET
ajbmeb-2216	1	95	activities	activity	NOUN
ajbmeb-2216	1	96	of	of	ADP
ajbmeb-2216	1	97	commercial	commercial	ADJ
ajbmeb-2216	1	98	banks	bank	NOUN
ajbmeb-2216	1	99	are	be	AUX
ajbmeb-2216	1	100	widely	widely	ADV
ajbmeb-2216	1	101	covered	cover	VERB
ajbmeb-2216	1	102	.	.	PUNCT
ajbmeb-2216	2	1	the	the	DET
ajbmeb-2216	2	2	scientific	scientific	ADJ
ajbmeb-2216	2	3	views	view	NOUN
ajbmeb-2216	2	4	of	of	ADP
ajbmeb-2216	2	5	foreign	foreign	ADJ
ajbmeb-2216	2	6	and	and	CCONJ
ajbmeb-2216	2	7	domestic	domestic	ADJ
ajbmeb-2216	2	8	scientists	scientist	NOUN
ajbmeb-2216	2	9	on	on	ADP
ajbmeb-2216	2	10	banking	banking	NOUN
ajbmeb-2216	2	11	technologies	technology	NOUN
ajbmeb-2216	2	12	are	be	AUX
ajbmeb-2216	2	13	deeply	deeply	ADV
ajbmeb-2216	2	14	studied	study	VERB
ajbmeb-2216	2	15	,	,	PUNCT
ajbmeb-2216	2	16	analyzed	analyze	VERB
ajbmeb-2216	2	17	and	and	CCONJ
ajbmeb-2216	2	18	author	author	NOUN
ajbmeb-2216	2	19	's	's	PART
ajbmeb-2216	2	20	opinions	opinion	NOUN
ajbmeb-2216	2	21	are	be	AUX
ajbmeb-2216	2	22	expressed	express	VERB
ajbmeb-2216	2	23	.	.	PUNCT
ajbmeb-2216	3	1	also	also	ADV
ajbmeb-2216	3	2	,	,	PUNCT
ajbmeb-2216	3	3	the	the	DET
ajbmeb-2216	3	4	banking	banking	NOUN
ajbmeb-2216	3	5	technologies	technology	NOUN
ajbmeb-2216	3	6	used	use	VERB
ajbmeb-2216	3	7	in	in	ADP
ajbmeb-2216	3	8	the	the	DET
ajbmeb-2216	3	9	world	world	NOUN
ajbmeb-2216	3	10	's	's	PART
ajbmeb-2216	3	11	banks	bank	NOUN
ajbmeb-2216	3	12	today	today	NOUN
ajbmeb-2216	3	13	are	be	AUX
ajbmeb-2216	3	14	presented	present	VERB
ajbmeb-2216	3	15	and	and	CCONJ
ajbmeb-2216	3	16	their	their	PRON
ajbmeb-2216	3	17	specific	specific	ADJ
ajbmeb-2216	3	18	features	feature	NOUN
ajbmeb-2216	3	19	and	and	CCONJ
ajbmeb-2216	3	20	advantages	advantage	NOUN
ajbmeb-2216	3	21	are	be	AUX
ajbmeb-2216	3	22	revealed	reveal	VERB
ajbmeb-2216	3	23	.	.	PUNCT
ajbmeb-2216	4	1	in	in	ADP
ajbmeb-2216	4	2	addition	addition	NOUN
ajbmeb-2216	4	3	,	,	PUNCT
ajbmeb-2216	4	4	scientifically	scientifically	ADV
ajbmeb-2216	4	5	based	base	VERB
ajbmeb-2216	4	6	suggestions	suggestion	NOUN
ajbmeb-2216	4	7	on	on	ADP
ajbmeb-2216	4	8	the	the	DET
ajbmeb-2216	4	9	effective	effective	ADJ
ajbmeb-2216	4	10	use	use	NOUN
ajbmeb-2216	4	11	of	of	ADP
ajbmeb-2216	4	12	banking	banking	NOUN
ajbmeb-2216	4	13	technologies	technology	NOUN
ajbmeb-2216	4	14	have	have	AUX
ajbmeb-2216	4	15	been	be	AUX
ajbmeb-2216	4	16	developed	develop	VERB
ajbmeb-2216	4	17	.	.	PUNCT
ajbmeb-2216	5	1	commercial	commercial	ADJ
ajbmeb-2216	5	2	banks	bank	NOUN
ajbmeb-2216	5	3	,	,	PUNCT
ajbmeb-2216	5	4	banking	banking	NOUN
ajbmeb-2216	5	5	technologies	technology	NOUN
ajbmeb-2216	5	6	,	,	PUNCT
ajbmeb-2216	5	7	information	information	NOUN
ajbmeb-2216	5	8	technologies	technology	NOUN
ajbmeb-2216	5	9	,	,	PUNCT
ajbmeb-2216	5	10	mobile	mobile	ADJ
ajbmeb-2216	5	11	banking	banking	NOUN
ajbmeb-2216	5	12	,	,	PUNCT
ajbmeb-2216	5	13	risk	risk	NOUN
ajbmeb-2216	5	14	,	,	PUNCT
ajbmeb-2216	5	15	computer	computer	NOUN
ajbmeb-2216	5	16	technologies	technology	NOUN
ajbmeb-2216	5	17	,	,	PUNCT
ajbmeb-2216	5	18	credit	credit	NOUN
ajbmeb-2216	5	19	card	card	NOUN
ajbmeb-2216	5	20	.	.	PUNCT
ajbmeb-2216	6	1	introduction	introduction	NOUN
ajbmeb-2216	6	2	it	it	PRON
ajbmeb-2216	6	3	is	be	AUX
ajbmeb-2216	6	4	known	know	VERB
ajbmeb-2216	6	5	that	that	SCONJ
ajbmeb-2216	6	6	all	all	DET
ajbmeb-2216	6	7	the	the	DET
ajbmeb-2216	6	8	achievements	achievement	NOUN
ajbmeb-2216	6	9	in	in	ADP
ajbmeb-2216	6	10	the	the	DET
ajbmeb-2216	6	11	fields	field	NOUN
ajbmeb-2216	6	12	achieved	achieve	VERB
ajbmeb-2216	6	13	by	by	ADP
ajbmeb-2216	6	14	humanity	humanity	NOUN
ajbmeb-2216	6	15	in	in	ADP
ajbmeb-2216	6	16	the	the	DET
ajbmeb-2216	6	17	present	present	ADJ
ajbmeb-2216	6	18	era	era	NOUN
ajbmeb-2216	6	19	are	be	AUX
ajbmeb-2216	6	20	unimaginable	unimaginable	ADJ
ajbmeb-2216	6	21	without	without	ADP
ajbmeb-2216	6	22	technologies	technology	NOUN
ajbmeb-2216	6	23	and	and	CCONJ
ajbmeb-2216	6	24	their	their	PRON
ajbmeb-2216	6	25	software	software	NOUN
ajbmeb-2216	6	26	.	.	PUNCT
ajbmeb-2216	7	1	because	because	SCONJ
ajbmeb-2216	7	2	,	,	PUNCT
ajbmeb-2216	7	3	do	do	AUX
ajbmeb-2216	7	4	n't	not	PART
ajbmeb-2216	7	5	take	take	VERB
ajbmeb-2216	7	6	any	any	DET
ajbmeb-2216	7	7	industry	industry	NOUN
ajbmeb-2216	7	8	,	,	PUNCT
ajbmeb-2216	7	9	technologies	technology	NOUN
ajbmeb-2216	7	10	are	be	AUX
ajbmeb-2216	7	11	used	use	VERB
ajbmeb-2216	7	12	.	.	PUNCT
ajbmeb-2216	8	1	it	it	PRON
ajbmeb-2216	8	2	includes	include	VERB
ajbmeb-2216	8	3	everything	everything	PRON
ajbmeb-2216	8	4	from	from	ADP
ajbmeb-2216	8	5	nano	nano	NOUN
ajbmeb-2216	8	6	-	-	PUNCT
ajbmeb-2216	8	7	technologies	technology	NOUN
ajbmeb-2216	8	8	to	to	ADP
ajbmeb-2216	8	9	mega	mega	NOUN
ajbmeb-2216	8	10	-	-	NOUN
ajbmeb-2216	8	11	technologies	technology	NOUN
ajbmeb-2216	8	12	.	.	PUNCT
ajbmeb-2216	9	1	today	today	NOUN
ajbmeb-2216	9	2	's	's	PART
ajbmeb-2216	9	3	technological	technological	ADJ
ajbmeb-2216	9	4	advancements	advancement	NOUN
ajbmeb-2216	9	5	have	have	AUX
ajbmeb-2216	9	6	reached	reach	VERB
ajbmeb-2216	9	7	remote	remote	ADJ
ajbmeb-2216	9	8	controlled	control	VERB
ajbmeb-2216	9	9	and	and	CCONJ
ajbmeb-2216	9	10	artificial	artificial	ADJ
ajbmeb-2216	9	11	intelligence	intelligence	NOUN
ajbmeb-2216	9	12	powered	power	VERB
ajbmeb-2216	9	13	technologies	technology	NOUN
ajbmeb-2216	9	14	.	.	PUNCT
ajbmeb-2216	10	1	there	there	PRON
ajbmeb-2216	10	2	is	be	VERB
ajbmeb-2216	10	3	almost	almost	ADV
ajbmeb-2216	10	4	no	no	PRON
ajbmeb-2216	10	5	field	field	NOUN
ajbmeb-2216	10	6	that	that	PRON
ajbmeb-2216	10	7	has	have	AUX
ajbmeb-2216	10	8	not	not	PART
ajbmeb-2216	10	9	been	be	AUX
ajbmeb-2216	10	10	affected	affect	VERB
ajbmeb-2216	10	11	by	by	ADP
ajbmeb-2216	10	12	such	such	ADJ
ajbmeb-2216	10	13	advances	advance	NOUN
ajbmeb-2216	10	14	in	in	ADP
ajbmeb-2216	10	15	technological	technological	ADJ
ajbmeb-2216	10	16	development	development	NOUN
ajbmeb-2216	10	17	.	.	PUNCT
ajbmeb-2216	11	1	in	in	ADP
ajbmeb-2216	11	2	particular	particular	ADJ
ajbmeb-2216	11	3	,	,	PUNCT
ajbmeb-2216	11	4	technologies	technology	NOUN
ajbmeb-2216	11	5	such	such	ADJ
ajbmeb-2216	11	6	as	as	ADP
ajbmeb-2216	11	7	information	information	NOUN
ajbmeb-2216	11	8	,	,	PUNCT
ajbmeb-2216	11	9	computer	computer	NOUN
ajbmeb-2216	11	10	,	,	PUNCT
ajbmeb-2216	11	11	communication	communication	NOUN
ajbmeb-2216	11	12	,	,	PUNCT
ajbmeb-2216	11	13	medicine	medicine	NOUN
ajbmeb-2216	11	14	,	,	PUNCT
ajbmeb-2216	11	15	transport	transport	NOUN
ajbmeb-2216	11	16	in	in	ADP
ajbmeb-2216	11	17	the	the	DET
ajbmeb-2216	11	18	fields	field	NOUN
ajbmeb-2216	11	19	of	of	ADP
ajbmeb-2216	11	20	social	social	ADJ
ajbmeb-2216	11	21	(	(	PUNCT
ajbmeb-2216	11	22	education	education	NOUN
ajbmeb-2216	11	23	,	,	PUNCT
ajbmeb-2216	11	24	medicine	medicine	NOUN
ajbmeb-2216	11	25	,	,	PUNCT
ajbmeb-2216	11	26	culture	culture	NOUN
ajbmeb-2216	11	27	,	,	PUNCT
ajbmeb-2216	11	28	art	art	NOUN
ajbmeb-2216	11	29	,	,	PUNCT
ajbmeb-2216	11	30	etc	etc	X
ajbmeb-2216	11	31	.	.	X
ajbmeb-2216	11	32	)	)	PUNCT
ajbmeb-2216	11	33	and	and	CCONJ
ajbmeb-2216	11	34	economy	economy	NOUN
ajbmeb-2216	11	35	(	(	PUNCT
ajbmeb-2216	11	36	such	such	ADJ
ajbmeb-2216	11	37	as	as	ADP
ajbmeb-2216	11	38	agriculture	agriculture	NOUN
ajbmeb-2216	11	39	,	,	PUNCT
ajbmeb-2216	11	40	industry	industry	NOUN
ajbmeb-2216	11	41	,	,	PUNCT
ajbmeb-2216	11	42	construction	construction	NOUN
ajbmeb-2216	11	43	,	,	PUNCT
ajbmeb-2216	11	44	service	service	NOUN
ajbmeb-2216	11	45	,	,	PUNCT
ajbmeb-2216	11	46	transport	transport	NOUN
ajbmeb-2216	11	47	and	and	CCONJ
ajbmeb-2216	11	48	communication	communication	NOUN
ajbmeb-2216	11	49	)	)	PUNCT
ajbmeb-2216	11	50	,	,	PUNCT
ajbmeb-2216	11	51	as	as	ADV
ajbmeb-2216	11	52	well	well	ADV
ajbmeb-2216	11	53	as	as	ADP
ajbmeb-2216	11	54	it	it	PRON
ajbmeb-2216	11	55	is	be	AUX
ajbmeb-2216	11	56	also	also	ADV
ajbmeb-2216	11	57	widely	widely	ADV
ajbmeb-2216	11	58	used	use	VERB
ajbmeb-2216	11	59	in	in	ADP
ajbmeb-2216	11	60	the	the	DET
ajbmeb-2216	11	61	banking	banking	NOUN
ajbmeb-2216	11	62	sector	sector	NOUN
ajbmeb-2216	11	63	.	.	PUNCT
ajbmeb-2216	12	1	it	it	PRON
ajbmeb-2216	12	2	is	be	AUX
ajbmeb-2216	12	3	impossible	impossible	ADJ
ajbmeb-2216	12	4	to	to	PART
ajbmeb-2216	12	5	modernize	modernize	VERB
ajbmeb-2216	12	6	the	the	DET
ajbmeb-2216	12	7	banking	banking	NOUN
ajbmeb-2216	12	8	activity	activity	NOUN
ajbmeb-2216	12	9	without	without	ADP
ajbmeb-2216	12	10	intensive	intensive	ADJ
ajbmeb-2216	12	11	implementation	implementation	NOUN
ajbmeb-2216	12	12	of	of	ADP
ajbmeb-2216	12	13	the	the	DET
ajbmeb-2216	12	14	latest	late	ADJ
ajbmeb-2216	12	15	achievements	achievement	NOUN
ajbmeb-2216	12	16	of	of	ADP
ajbmeb-2216	12	17	scientific	scientific	ADJ
ajbmeb-2216	12	18	and	and	CCONJ
ajbmeb-2216	12	19	technical	technical	ADJ
ajbmeb-2216	12	20	development	development	NOUN
ajbmeb-2216	12	21	.	.	PUNCT
ajbmeb-2216	13	1	as	as	SCONJ
ajbmeb-2216	13	2	can	can	AUX
ajbmeb-2216	13	3	be	be	AUX
ajbmeb-2216	13	4	seen	see	VERB
ajbmeb-2216	13	5	from	from	ADP
ajbmeb-2216	13	6	the	the	DET
ajbmeb-2216	13	7	world	world	NOUN
ajbmeb-2216	13	8	practice	practice	NOUN
ajbmeb-2216	13	9	,	,	PUNCT
ajbmeb-2216	13	10	scientific	scientific	ADJ
ajbmeb-2216	13	11	and	and	CCONJ
ajbmeb-2216	13	12	technical	technical	ADJ
ajbmeb-2216	13	13	development	development	NOUN
ajbmeb-2216	13	14	and	and	CCONJ
ajbmeb-2216	13	15	the	the	DET
ajbmeb-2216	13	16	rapid	rapid	ADJ
ajbmeb-2216	13	17	growth	growth	NOUN
ajbmeb-2216	13	18	of	of	ADP
ajbmeb-2216	13	19	new	new	ADJ
ajbmeb-2216	13	20	information	information	NOUN
ajbmeb-2216	13	21	technologies	technology	NOUN
ajbmeb-2216	13	22	(	(	PUNCT
ajbmeb-2216	13	23	it	it	PRON
ajbmeb-2216	13	24	)	)	PUNCT
ajbmeb-2216	13	25	have	have	VERB
ajbmeb-2216	13	26	a	a	DET
ajbmeb-2216	13	27	significant	significant	ADJ
ajbmeb-2216	13	28	impact	impact	NOUN
ajbmeb-2216	13	29	on	on	ADP
ajbmeb-2216	13	30	the	the	DET
ajbmeb-2216	13	31	overall	overall	ADJ
ajbmeb-2216	13	32	assessment	assessment	NOUN
ajbmeb-2216	13	33	of	of	ADP
ajbmeb-2216	13	34	the	the	DET
ajbmeb-2216	13	35	bank	bank	NOUN
ajbmeb-2216	13	36	's	's	PART
ajbmeb-2216	13	37	attractiveness	attractiveness	NOUN
ajbmeb-2216	13	38	.	.	PUNCT
ajbmeb-2216	14	1	the	the	DET
ajbmeb-2216	14	2	development	development	NOUN
ajbmeb-2216	14	3	of	of	ADP
ajbmeb-2216	14	4	the	the	DET
ajbmeb-2216	14	5	technological	technological	ADJ
ajbmeb-2216	14	6	process	process	NOUN
ajbmeb-2216	14	7	allows	allow	VERB
ajbmeb-2216	14	8	not	not	PART
ajbmeb-2216	14	9	only	only	ADV
ajbmeb-2216	14	10	to	to	PART
ajbmeb-2216	14	11	increase	increase	VERB
ajbmeb-2216	14	12	the	the	DET
ajbmeb-2216	14	13	speed	speed	NOUN
ajbmeb-2216	14	14	of	of	ADP
ajbmeb-2216	14	15	processing	processing	NOUN
ajbmeb-2216	14	16	documents	document	NOUN
ajbmeb-2216	14	17	and	and	CCONJ
ajbmeb-2216	14	18	cash	cash	NOUN
ajbmeb-2216	14	19	transactions	transaction	NOUN
ajbmeb-2216	14	20	,	,	PUNCT
ajbmeb-2216	14	21	but	but	CCONJ
ajbmeb-2216	14	22	also	also	ADV
ajbmeb-2216	14	23	to	to	PART
ajbmeb-2216	14	24	expand	expand	VERB
ajbmeb-2216	14	25	the	the	DET
ajbmeb-2216	14	26	range	range	NOUN
ajbmeb-2216	14	27	of	of	ADP
ajbmeb-2216	14	28	customers	customer	NOUN
ajbmeb-2216	14	29	[	[	X
ajbmeb-2216	14	30	1	1	NUM
ajbmeb-2216	14	31	]	]	PUNCT
ajbmeb-2216	14	32	.	.	PUNCT
ajbmeb-2216	15	1	in	in	ADP
ajbmeb-2216	15	2	turn	turn	NOUN
ajbmeb-2216	15	3	,	,	PUNCT
ajbmeb-2216	15	4	the	the	DET
ajbmeb-2216	15	5	development	development	NOUN
ajbmeb-2216	15	6	of	of	ADP
ajbmeb-2216	15	7	modern	modern	ADJ
ajbmeb-2216	15	8	technologies	technology	NOUN
ajbmeb-2216	15	9	significantly	significantly	ADV
ajbmeb-2216	15	10	reduces	reduce	VERB
ajbmeb-2216	15	11	the	the	DET
ajbmeb-2216	15	12	distance	distance	NOUN
ajbmeb-2216	15	13	between	between	ADP
ajbmeb-2216	15	14	banks	bank	NOUN
ajbmeb-2216	15	15	and	and	CCONJ
ajbmeb-2216	15	16	users	user	NOUN
ajbmeb-2216	15	17	of	of	ADP
ajbmeb-2216	15	18	banking	banking	NOUN
ajbmeb-2216	15	19	services	service	NOUN
ajbmeb-2216	15	20	,	,	PUNCT
ajbmeb-2216	15	21	increases	increase	VERB
ajbmeb-2216	15	22	interbank	interbank	NOUN
ajbmeb-2216	15	23	competition	competition	NOUN
ajbmeb-2216	15	24	,	,	PUNCT
ajbmeb-2216	15	25	and	and	CCONJ
ajbmeb-2216	15	26	thus	thus	ADV
ajbmeb-2216	15	27	contributes	contribute	VERB
ajbmeb-2216	15	28	to	to	ADP
ajbmeb-2216	15	29	the	the	DET
ajbmeb-2216	15	30	quantitative	quantitative	ADJ
ajbmeb-2216	15	31	and	and	CCONJ
ajbmeb-2216	15	32	qualitative	qualitative	ADJ
ajbmeb-2216	15	33	development	development	NOUN
ajbmeb-2216	15	34	of	of	ADP
ajbmeb-2216	15	35	banking	banking	NOUN
ajbmeb-2216	15	36	services	service	NOUN
ajbmeb-2216	15	37	.	.	PUNCT
ajbmeb-2216	16	1	american	american	PROPN
ajbmeb-2216	16	2	journal	journal	PROPN
ajbmeb-2216	16	3	of	of	ADP
ajbmeb-2216	16	4	business	business	NOUN
ajbmeb-2216	16	5	management	management	NOUN
ajbmeb-2216	16	6	,	,	PUNCT
ajbmeb-2216	16	7	economics	economic	NOUN
ajbmeb-2216	16	8	and	and	CCONJ
ajbmeb-2216	16	9	banking	banking	NOUN
ajbmeb-2216	16	10	volume	volume	NOUN
ajbmeb-2216	16	11	25	25	NUM
ajbmeb-2216	16	12	june	june	PROPN
ajbmeb-2216	16	13	2024	2024	NUM
ajbmeb-2216	16	14	p	p	NOUN
ajbmeb-2216	16	15	a	a	DET
ajbmeb-2216	16	16	g	g	NOUN
ajbmeb-2216	16	17	e	e	NOUN
ajbmeb-2216	16	18	|	|	ADV
ajbmeb-2216	16	19	71	71	NUM
ajbmeb-2216	16	20	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2216	16	21	literature	literature	NOUN
ajbmeb-2216	16	22	review	review	NOUN
ajbmeb-2216	16	23	it	it	PRON
ajbmeb-2216	16	24	enables	enable	VERB
ajbmeb-2216	16	25	rapid	rapid	ADJ
ajbmeb-2216	16	26	redesign	redesign	NOUN
ajbmeb-2216	16	27	of	of	ADP
ajbmeb-2216	16	28	operations	operation	NOUN
ajbmeb-2216	16	29	by	by	ADP
ajbmeb-2216	16	30	developing	develop	VERB
ajbmeb-2216	16	31	banks	bank	NOUN
ajbmeb-2216	16	32	and	and	CCONJ
ajbmeb-2216	16	33	their	their	PRON
ajbmeb-2216	16	34	relationships	relationship	NOUN
ajbmeb-2216	16	35	[	[	X
ajbmeb-2216	16	36	2	2	NUM
ajbmeb-2216	16	37	]	]	PUNCT
ajbmeb-2216	16	38	.	.	PUNCT
ajbmeb-2216	17	1	instead	instead	ADV
ajbmeb-2216	17	2	,	,	PUNCT
ajbmeb-2216	17	3	the	the	DET
ajbmeb-2216	17	4	internal	internal	ADJ
ajbmeb-2216	17	5	and	and	CCONJ
ajbmeb-2216	17	6	external	external	ADJ
ajbmeb-2216	17	7	business	business	NOUN
ajbmeb-2216	17	8	activities	activity	NOUN
ajbmeb-2216	17	9	of	of	ADP
ajbmeb-2216	17	10	the	the	DET
ajbmeb-2216	17	11	banking	banking	NOUN
ajbmeb-2216	17	12	sector	sector	NOUN
ajbmeb-2216	17	13	are	be	AUX
ajbmeb-2216	17	14	further	far	ADV
ajbmeb-2216	17	15	developed	develop	VERB
ajbmeb-2216	17	16	with	with	ADP
ajbmeb-2216	17	17	the	the	DET
ajbmeb-2216	17	18	development	development	NOUN
ajbmeb-2216	17	19	of	of	ADP
ajbmeb-2216	17	20	it	it	PRON
ajbmeb-2216	17	21	[	[	X
ajbmeb-2216	17	22	3	3	X
ajbmeb-2216	17	23	]	]	PUNCT
ajbmeb-2216	17	24	and	and	CCONJ
ajbmeb-2216	17	25	the	the	DET
ajbmeb-2216	17	26	banking	banking	NOUN
ajbmeb-2216	17	27	system	system	NOUN
ajbmeb-2216	17	28	can	can	AUX
ajbmeb-2216	17	29	be	be	AUX
ajbmeb-2216	17	30	pointed	point	VERB
ajbmeb-2216	17	31	out	out	ADP
ajbmeb-2216	17	32	as	as	ADP
ajbmeb-2216	17	33	the	the	DET
ajbmeb-2216	17	34	most	most	ADV
ajbmeb-2216	17	35	affected	affected	ADJ
ajbmeb-2216	17	36	area	area	NOUN
ajbmeb-2216	17	37	[	[	X
ajbmeb-2216	17	38	4	4	NUM
ajbmeb-2216	17	39	]	]	PUNCT
ajbmeb-2216	17	40	.	.	PUNCT
ajbmeb-2216	18	1	in	in	ADP
ajbmeb-2216	18	2	other	other	ADJ
ajbmeb-2216	18	3	words	word	NOUN
ajbmeb-2216	18	4	,	,	PUNCT
ajbmeb-2216	18	5	the	the	DET
ajbmeb-2216	18	6	it	it	PRON
ajbmeb-2216	18	7	sector	sector	NOUN
ajbmeb-2216	18	8	is	be	AUX
ajbmeb-2216	18	9	developing	develop	VERB
ajbmeb-2216	18	10	and	and	CCONJ
ajbmeb-2216	18	11	making	make	VERB
ajbmeb-2216	18	12	a	a	DET
ajbmeb-2216	18	13	great	great	ADJ
ajbmeb-2216	18	14	contribution	contribution	NOUN
ajbmeb-2216	18	15	to	to	PART
ajbmeb-2216	18	16	ensure	ensure	VERB
ajbmeb-2216	18	17	the	the	DET
ajbmeb-2216	18	18	stability	stability	NOUN
ajbmeb-2216	18	19	of	of	ADP
ajbmeb-2216	18	20	banks	bank	NOUN
ajbmeb-2216	18	21	in	in	ADP
ajbmeb-2216	18	22	the	the	DET
ajbmeb-2216	18	23	era	era	NOUN
ajbmeb-2216	18	24	of	of	ADP
ajbmeb-2216	18	25	increasing	increase	VERB
ajbmeb-2216	18	26	global	global	ADJ
ajbmeb-2216	18	27	competition	competition	NOUN
ajbmeb-2216	18	28	[	[	X
ajbmeb-2216	18	29	5	5	NUM
ajbmeb-2216	18	30	]	]	PUNCT
ajbmeb-2216	18	31	.	.	PUNCT
ajbmeb-2216	19	1	in	in	ADP
ajbmeb-2216	19	2	general	general	ADJ
ajbmeb-2216	19	3	,	,	PUNCT
ajbmeb-2216	19	4	elements	element	NOUN
ajbmeb-2216	19	5	such	such	ADJ
ajbmeb-2216	19	6	as	as	ADP
ajbmeb-2216	19	7	it	it	PRON
ajbmeb-2216	19	8	technologies	technologie	VERB
ajbmeb-2216	19	9	,	,	PUNCT
ajbmeb-2216	19	10	their	their	PRON
ajbmeb-2216	19	11	use	use	NOUN
ajbmeb-2216	19	12	in	in	ADP
ajbmeb-2216	19	13	banking	banking	NOUN
ajbmeb-2216	19	14	,	,	PUNCT
ajbmeb-2216	19	15	software	software	NOUN
ajbmeb-2216	19	16	and	and	CCONJ
ajbmeb-2216	19	17	communication	communication	NOUN
ajbmeb-2216	19	18	tools	tool	NOUN
ajbmeb-2216	19	19	constitute	constitute	VERB
ajbmeb-2216	19	20	"	"	PUNCT
ajbmeb-2216	19	21	banking	banking	NOUN
ajbmeb-2216	19	22	technologies	technology	NOUN
ajbmeb-2216	19	23	"	"	PUNCT
ajbmeb-2216	19	24	.	.	PUNCT
ajbmeb-2216	20	1	in	in	ADP
ajbmeb-2216	20	2	the	the	DET
ajbmeb-2216	20	3	economic	economic	ADJ
ajbmeb-2216	20	4	literature	literature	NOUN
ajbmeb-2216	20	5	and	and	CCONJ
ajbmeb-2216	20	6	scientific	scientific	ADJ
ajbmeb-2216	20	7	studies	study	NOUN
ajbmeb-2216	20	8	,	,	PUNCT
ajbmeb-2216	20	9	different	different	ADJ
ajbmeb-2216	20	10	views	view	NOUN
ajbmeb-2216	20	11	and	and	CCONJ
ajbmeb-2216	20	12	explanations	explanation	NOUN
ajbmeb-2216	20	13	are	be	AUX
ajbmeb-2216	20	14	given	give	VERB
ajbmeb-2216	20	15	to	to	ADP
ajbmeb-2216	20	16	"	"	PUNCT
ajbmeb-2216	20	17	banking	banking	NOUN
ajbmeb-2216	20	18	technologies	technology	NOUN
ajbmeb-2216	20	19	"	"	PUNCT
ajbmeb-2216	20	20	.	.	PUNCT
ajbmeb-2216	21	1	for	for	ADP
ajbmeb-2216	21	2	example	example	NOUN
ajbmeb-2216	21	3	:	:	PUNCT
ajbmeb-2216	21	4	m.v	m.v	PROPN
ajbmeb-2216	21	5	.	.	PUNCT
ajbmeb-2216	22	1	according	accord	VERB
ajbmeb-2216	22	2	to	to	AUX
ajbmeb-2216	22	3	dubinin	dubinin	PROPN
ajbmeb-2216	22	4	[	[	X
ajbmeb-2216	22	5	6	6	NUM
ajbmeb-2216	22	6	]	]	PUNCT
ajbmeb-2216	22	7	,	,	PUNCT
ajbmeb-2216	22	8	banking	banking	NOUN
ajbmeb-2216	22	9	technologies	technology	NOUN
ajbmeb-2216	22	10	are	be	AUX
ajbmeb-2216	22	11	various	various	ADJ
ajbmeb-2216	22	12	telecommunications	telecommunication	NOUN
ajbmeb-2216	22	13	,	,	PUNCT
ajbmeb-2216	22	14	information	information	NOUN
ajbmeb-2216	22	15	technologies	technology	NOUN
ajbmeb-2216	22	16	,	,	PUNCT
ajbmeb-2216	22	17	computer	computer	NOUN
ajbmeb-2216	22	18	networks	network	NOUN
ajbmeb-2216	22	19	,	,	PUNCT
ajbmeb-2216	22	20	software	software	NOUN
ajbmeb-2216	22	21	products	product	NOUN
ajbmeb-2216	22	22	,	,	PUNCT
ajbmeb-2216	22	23	internal	internal	ADJ
ajbmeb-2216	22	24	procedures	procedure	NOUN
ajbmeb-2216	22	25	,	,	PUNCT
ajbmeb-2216	22	26	risk	risk	NOUN
ajbmeb-2216	22	27	management	management	NOUN
ajbmeb-2216	22	28	models	model	NOUN
ajbmeb-2216	22	29	,	,	PUNCT
ajbmeb-2216	22	30	etc	etc	X
ajbmeb-2216	22	31	.	.	X
ajbmeb-2216	22	32	used	use	VERB
ajbmeb-2216	22	33	in	in	ADP
ajbmeb-2216	22	34	banks	bank	NOUN
ajbmeb-2216	22	35	.	.	PUNCT
ajbmeb-2216	23	1	the	the	DET
ajbmeb-2216	23	2	term	term	NOUN
ajbmeb-2216	23	3	"	"	PUNCT
ajbmeb-2216	23	4	banking	banking	NOUN
ajbmeb-2216	23	5	technology	technology	NOUN
ajbmeb-2216	23	6	"	"	PUNCT
ajbmeb-2216	23	7	refers	refer	VERB
ajbmeb-2216	23	8	to	to	ADP
ajbmeb-2216	23	9	the	the	DET
ajbmeb-2216	23	10	use	use	NOUN
ajbmeb-2216	23	11	of	of	ADP
ajbmeb-2216	23	12	modern	modern	ADJ
ajbmeb-2216	23	13	information	information	NOUN
ajbmeb-2216	23	14	and	and	CCONJ
ajbmeb-2216	23	15	communication	communication	NOUN
ajbmeb-2216	23	16	technologies	technology	NOUN
ajbmeb-2216	23	17	in	in	ADP
ajbmeb-2216	23	18	order	order	NOUN
ajbmeb-2216	23	19	for	for	SCONJ
ajbmeb-2216	23	20	banks	bank	NOUN
ajbmeb-2216	23	21	to	to	PART
ajbmeb-2216	23	22	offer	offer	VERB
ajbmeb-2216	23	23	their	their	PRON
ajbmeb-2216	23	24	customers	customer	NOUN
ajbmeb-2216	23	25	safe	safe	ADJ
ajbmeb-2216	23	26	,	,	PUNCT
ajbmeb-2216	23	27	reliable	reliable	ADJ
ajbmeb-2216	23	28	and	and	CCONJ
ajbmeb-2216	23	29	better	well	ADJ
ajbmeb-2216	23	30	services	service	NOUN
ajbmeb-2216	23	31	at	at	ADP
ajbmeb-2216	23	32	low	low	ADJ
ajbmeb-2216	23	33	prices	price	NOUN
ajbmeb-2216	23	34	and	and	CCONJ
ajbmeb-2216	23	35	to	to	PART
ajbmeb-2216	23	36	achieve	achieve	VERB
ajbmeb-2216	23	37	a	a	DET
ajbmeb-2216	23	38	competitive	competitive	ADJ
ajbmeb-2216	23	39	advantage	advantage	NOUN
ajbmeb-2216	23	40	in	in	ADP
ajbmeb-2216	23	41	the	the	DET
ajbmeb-2216	23	42	market	market	NOUN
ajbmeb-2216	23	43	of	of	ADP
ajbmeb-2216	23	44	banking	banking	NOUN
ajbmeb-2216	23	45	services	service	NOUN
ajbmeb-2216	23	46	.	.	PUNCT
ajbmeb-2216	24	1	banking	banking	NOUN
ajbmeb-2216	24	2	technology	technology	NOUN
ajbmeb-2216	24	3	also	also	ADV
ajbmeb-2216	24	4	involves	involve	VERB
ajbmeb-2216	24	5	the	the	DET
ajbmeb-2216	24	6	use	use	NOUN
ajbmeb-2216	24	7	of	of	ADP
ajbmeb-2216	24	8	modern	modern	ADJ
ajbmeb-2216	24	9	computer	computer	NOUN
ajbmeb-2216	24	10	algorithms	algorithm	NOUN
ajbmeb-2216	24	11	to	to	PART
ajbmeb-2216	24	12	uncover	uncover	VERB
ajbmeb-2216	24	13	patterns	pattern	NOUN
ajbmeb-2216	24	14	of	of	ADP
ajbmeb-2216	24	15	customer	customer	NOUN
ajbmeb-2216	24	16	behavior	behavior	NOUN
ajbmeb-2216	24	17	by	by	ADP
ajbmeb-2216	24	18	sifting	sift	VERB
ajbmeb-2216	24	19	through	through	ADP
ajbmeb-2216	24	20	customer	customer	NOUN
ajbmeb-2216	24	21	details	detail	NOUN
ajbmeb-2216	24	22	such	such	ADJ
ajbmeb-2216	24	23	as	as	ADP
ajbmeb-2216	24	24	demographic	demographic	ADJ
ajbmeb-2216	24	25	,	,	PUNCT
ajbmeb-2216	24	26	psychographic	psychographic	ADJ
ajbmeb-2216	24	27	and	and	CCONJ
ajbmeb-2216	24	28	transactional	transactional	ADJ
ajbmeb-2216	24	29	data	datum	NOUN
ajbmeb-2216	24	30	.	.	PUNCT
ajbmeb-2216	25	1	this	this	DET
ajbmeb-2216	25	2	activity	activity	NOUN
ajbmeb-2216	25	3	,	,	PUNCT
ajbmeb-2216	25	4	also	also	ADV
ajbmeb-2216	25	5	called	call	VERB
ajbmeb-2216	25	6	data	datum	NOUN
ajbmeb-2216	25	7	collection	collection	NOUN
ajbmeb-2216	25	8	,	,	PUNCT
ajbmeb-2216	25	9	helps	help	VERB
ajbmeb-2216	25	10	banks	bank	NOUN
ajbmeb-2216	25	11	achieve	achieve	VERB
ajbmeb-2216	25	12	their	their	PRON
ajbmeb-2216	25	13	business	business	NOUN
ajbmeb-2216	25	14	goals	goal	NOUN
ajbmeb-2216	25	15	by	by	ADP
ajbmeb-2216	25	16	solving	solve	VERB
ajbmeb-2216	25	17	various	various	ADJ
ajbmeb-2216	25	18	marketing	marketing	NOUN
ajbmeb-2216	25	19	problems	problem	NOUN
ajbmeb-2216	25	20	such	such	ADJ
ajbmeb-2216	25	21	as	as	ADP
ajbmeb-2216	25	22	customer	customer	NOUN
ajbmeb-2216	25	23	segmentation	segmentation	NOUN
ajbmeb-2216	25	24	,	,	PUNCT
ajbmeb-2216	25	25	customer	customer	NOUN
ajbmeb-2216	25	26	scoring	scoring	NOUN
ajbmeb-2216	25	27	,	,	PUNCT
ajbmeb-2216	25	28	target	target	NOUN
ajbmeb-2216	25	29	marketing	marketing	NOUN
ajbmeb-2216	25	30	,	,	PUNCT
ajbmeb-2216	25	31	market	market	NOUN
ajbmeb-2216	25	32	basket	basket	NOUN
ajbmeb-2216	25	33	analysis	analysis	NOUN
ajbmeb-2216	25	34	,	,	PUNCT
ajbmeb-2216	25	35	cross	cross	ADJ
ajbmeb-2216	25	36	-	-	ADJ
ajbmeb-2216	25	37	selling	selling	ADJ
ajbmeb-2216	25	38	,	,	PUNCT
ajbmeb-2216	25	39	sales	sale	NOUN
ajbmeb-2216	25	40	,	,	PUNCT
ajbmeb-2216	25	41	customer	customer	NOUN
ajbmeb-2216	25	42	retention	retention	NOUN
ajbmeb-2216	25	43	modeling	modeling	NOUN
ajbmeb-2216	25	44	[	[	X
ajbmeb-2216	25	45	7	7	NUM
ajbmeb-2216	25	46	]	]	PUNCT
ajbmeb-2216	25	47	.	.	PUNCT
ajbmeb-2216	26	1	also	also	ADV
ajbmeb-2216	26	2	,	,	PUNCT
ajbmeb-2216	26	3	the	the	DET
ajbmeb-2216	26	4	successful	successful	ADJ
ajbmeb-2216	26	5	use	use	NOUN
ajbmeb-2216	26	6	of	of	ADP
ajbmeb-2216	26	7	data	datum	NOUN
ajbmeb-2216	26	8	collection	collection	NOUN
ajbmeb-2216	26	9	helps	help	VERB
ajbmeb-2216	26	10	banks	bank	NOUN
ajbmeb-2216	26	11	to	to	PART
ajbmeb-2216	26	12	significantly	significantly	ADV
ajbmeb-2216	26	13	increase	increase	VERB
ajbmeb-2216	26	14	profits	profit	NOUN
ajbmeb-2216	26	15	,	,	PUNCT
ajbmeb-2216	26	16	thereby	thereby	ADV
ajbmeb-2216	26	17	maintaining	maintain	VERB
ajbmeb-2216	26	18	a	a	DET
ajbmeb-2216	26	19	sustainable	sustainable	ADJ
ajbmeb-2216	26	20	advantage	advantage	NOUN
ajbmeb-2216	26	21	over	over	ADP
ajbmeb-2216	26	22	their	their	PRON
ajbmeb-2216	26	23	competitors	competitor	NOUN
ajbmeb-2216	26	24	.	.	PUNCT
ajbmeb-2216	27	1	in	in	ADP
ajbmeb-2216	27	2	theory	theory	NOUN
ajbmeb-2216	27	3	,	,	PUNCT
ajbmeb-2216	27	4	banking	banking	NOUN
ajbmeb-2216	27	5	technology	technology	NOUN
ajbmeb-2216	27	6	is	be	AUX
ajbmeb-2216	27	7	not	not	PART
ajbmeb-2216	27	8	a	a	DET
ajbmeb-2216	27	9	single	single	ADJ
ajbmeb-2216	27	10	discipline	discipline	NOUN
ajbmeb-2216	27	11	,	,	PUNCT
ajbmeb-2216	27	12	but	but	CCONJ
ajbmeb-2216	27	13	finance	finance	NOUN
ajbmeb-2216	27	14	is	be	AUX
ajbmeb-2216	27	15	formed	form	VERB
ajbmeb-2216	27	16	as	as	ADP
ajbmeb-2216	27	17	a	a	DET
ajbmeb-2216	27	18	result	result	NOUN
ajbmeb-2216	27	19	of	of	ADP
ajbmeb-2216	27	20	the	the	DET
ajbmeb-2216	27	21	integration	integration	NOUN
ajbmeb-2216	27	22	of	of	ADP
ajbmeb-2216	27	23	several	several	ADJ
ajbmeb-2216	27	24	areas	area	NOUN
ajbmeb-2216	27	25	that	that	PRON
ajbmeb-2216	27	26	differ	differ	VERB
ajbmeb-2216	27	27	from	from	ADP
ajbmeb-2216	27	28	each	each	DET
ajbmeb-2216	27	29	other	other	ADJ
ajbmeb-2216	27	30	,	,	PUNCT
ajbmeb-2216	27	31	such	such	ADJ
ajbmeb-2216	27	32	as	as	ADP
ajbmeb-2216	27	33	risk	risk	NOUN
ajbmeb-2216	27	34	management	management	NOUN
ajbmeb-2216	27	35	,	,	PUNCT
ajbmeb-2216	27	36	information	information	NOUN
ajbmeb-2216	27	37	and	and	CCONJ
ajbmeb-2216	27	38	communication	communication	NOUN
ajbmeb-2216	27	39	technologies	technology	NOUN
ajbmeb-2216	27	40	,	,	PUNCT
ajbmeb-2216	27	41	computer	computer	NOUN
ajbmeb-2216	27	42	and	and	CCONJ
ajbmeb-2216	27	43	marketing	marketing	NOUN
ajbmeb-2216	27	44	knowledge	knowledge	NOUN
ajbmeb-2216	27	45	,	,	PUNCT
ajbmeb-2216	27	46	and	and	CCONJ
ajbmeb-2216	27	47	its	its	PRON
ajbmeb-2216	27	48	structural	structural	ADJ
ajbmeb-2216	27	49	elements	element	NOUN
ajbmeb-2216	27	50	can	can	AUX
ajbmeb-2216	27	51	be	be	AUX
ajbmeb-2216	27	52	expressed	express	VERB
ajbmeb-2216	27	53	as	as	SCONJ
ajbmeb-2216	27	54	follows	follow	VERB
ajbmeb-2216	27	55	:	:	PUNCT
ajbmeb-2216	27	56	1	1	X
ajbmeb-2216	27	57	.	.	X
ajbmeb-2216	27	58	information	information	NOUN
ajbmeb-2216	27	59	technologies	technology	NOUN
ajbmeb-2216	27	60	;	;	PUNCT
ajbmeb-2216	27	61	2	2	X
ajbmeb-2216	27	62	.	.	X
ajbmeb-2216	27	63	communication	communication	NOUN
ajbmeb-2216	27	64	technologies	technology	NOUN
ajbmeb-2216	27	65	;	;	PUNCT
ajbmeb-2216	27	66	3	3	X
ajbmeb-2216	27	67	.	.	PUNCT
ajbmeb-2216	27	68	computer	computer	NOUN
ajbmeb-2216	27	69	knowledge	knowledge	NOUN
ajbmeb-2216	27	70	;	;	PUNCT
ajbmeb-2216	27	71	4	4	X
ajbmeb-2216	27	72	.	.	X
ajbmeb-2216	27	73	finance	finance	NOUN
ajbmeb-2216	27	74	and	and	CCONJ
ajbmeb-2216	27	75	risk	risk	NOUN
ajbmeb-2216	27	76	management	management	NOUN
ajbmeb-2216	27	77	;	;	PUNCT
ajbmeb-2216	27	78	5	5	X
ajbmeb-2216	27	79	.	.	X
ajbmeb-2216	27	80	marketing	marketing	NOUN
ajbmeb-2216	27	81	knowledge	knowledge	NOUN
ajbmeb-2216	27	82	.	.	PUNCT
ajbmeb-2216	28	1	in	in	ADP
ajbmeb-2216	28	2	r.	r.	PROPN
ajbmeb-2216	28	3	vadlamani	vadlamani	PROPN
ajbmeb-2216	28	4	's	's	PART
ajbmeb-2216	28	5	research	research	NOUN
ajbmeb-2216	28	6	,	,	PUNCT
ajbmeb-2216	28	7	from	from	ADP
ajbmeb-2216	28	8	a	a	DET
ajbmeb-2216	28	9	functional	functional	ADJ
ajbmeb-2216	28	10	point	point	NOUN
ajbmeb-2216	28	11	of	of	ADP
ajbmeb-2216	28	12	view	view	NOUN
ajbmeb-2216	28	13	,	,	PUNCT
ajbmeb-2216	28	14	banking	banking	NOUN
ajbmeb-2216	28	15	technology	technology	NOUN
ajbmeb-2216	28	16	has	have	VERB
ajbmeb-2216	28	17	the	the	DET
ajbmeb-2216	28	18	following	follow	VERB
ajbmeb-2216	28	19	three	three	NUM
ajbmeb-2216	28	20	important	important	ADJ
ajbmeb-2216	28	21	dimensions	dimension	NOUN
ajbmeb-2216	28	22	:	:	PUNCT
ajbmeb-2216	28	23	1	1	X
ajbmeb-2216	28	24	.	.	X
ajbmeb-2216	28	25	the	the	DET
ajbmeb-2216	28	26	use	use	NOUN
ajbmeb-2216	28	27	of	of	ADP
ajbmeb-2216	28	28	appropriate	appropriate	ADJ
ajbmeb-2216	28	29	hardware	hardware	NOUN
ajbmeb-2216	28	30	and	and	CCONJ
ajbmeb-2216	28	31	related	relate	VERB
ajbmeb-2216	28	32	software	software	NOUN
ajbmeb-2216	28	33	to	to	PART
ajbmeb-2216	28	34	operate	operate	VERB
ajbmeb-2216	28	35	and	and	CCONJ
ajbmeb-2216	28	36	serve	serve	VERB
ajbmeb-2216	28	37	customers	customer	NOUN
ajbmeb-2216	28	38	through	through	ADP
ajbmeb-2216	28	39	various	various	ADJ
ajbmeb-2216	28	40	delivery	delivery	NOUN
ajbmeb-2216	28	41	channels	channel	NOUN
ajbmeb-2216	28	42	and	and	CCONJ
ajbmeb-2216	28	43	payment	payment	NOUN
ajbmeb-2216	28	44	systems	system	NOUN
ajbmeb-2216	28	45	is	be	AUX
ajbmeb-2216	28	46	one	one	NUM
ajbmeb-2216	28	47	dimension	dimension	NOUN
ajbmeb-2216	28	48	of	of	ADP
ajbmeb-2216	28	49	banking	banking	NOUN
ajbmeb-2216	28	50	technology	technology	NOUN
ajbmeb-2216	28	51	.	.	PUNCT
ajbmeb-2216	29	1	2	2	X
ajbmeb-2216	29	2	.	.	X
ajbmeb-2216	29	3	modern	modern	ADJ
ajbmeb-2216	29	4	computer	computer	NOUN
ajbmeb-2216	29	5	programs	program	NOUN
ajbmeb-2216	29	6	are	be	AUX
ajbmeb-2216	29	7	used	use	VERB
ajbmeb-2216	29	8	to	to	PART
ajbmeb-2216	29	9	classify	classify	VERB
ajbmeb-2216	29	10	(	(	PUNCT
ajbmeb-2216	29	11	categorize	categorize	VERB
ajbmeb-2216	29	12	)	)	PUNCT
ajbmeb-2216	29	13	clients	client	NOUN
ajbmeb-2216	29	14	and	and	CCONJ
ajbmeb-2216	29	15	analyze	analyze	VERB
ajbmeb-2216	29	16	the	the	DET
ajbmeb-2216	29	17	market	market	NOUN
ajbmeb-2216	29	18	of	of	ADP
ajbmeb-2216	29	19	banking	banking	NOUN
ajbmeb-2216	29	20	services	service	NOUN
ajbmeb-2216	29	21	and	and	CCONJ
ajbmeb-2216	29	22	solve	solve	VERB
ajbmeb-2216	29	23	problems	problem	NOUN
ajbmeb-2216	29	24	.	.	PUNCT
ajbmeb-2216	30	1	this	this	DET
ajbmeb-2216	30	2	measure	measure	NOUN
ajbmeb-2216	30	3	enables	enable	VERB
ajbmeb-2216	30	4	banks	bank	NOUN
ajbmeb-2216	30	5	to	to	PART
ajbmeb-2216	30	6	manage	manage	VERB
ajbmeb-2216	30	7	and	and	CCONJ
ajbmeb-2216	30	8	effectively	effectively	ADV
ajbmeb-2216	30	9	use	use	VERB
ajbmeb-2216	30	10	their	their	PRON
ajbmeb-2216	30	11	data	datum	NOUN
ajbmeb-2216	30	12	warehouse	warehouse	NOUN
ajbmeb-2216	30	13	.	.	PUNCT
ajbmeb-2216	31	1	3	3	X
ajbmeb-2216	31	2	.	.	X
ajbmeb-2216	31	3	quantifying	quantify	VERB
ajbmeb-2216	31	4	,	,	PUNCT
ajbmeb-2216	31	5	measuring	measuring	NOUN
ajbmeb-2216	31	6	,	,	PUNCT
ajbmeb-2216	31	7	mitigating	mitigate	VERB
ajbmeb-2216	31	8	and	and	CCONJ
ajbmeb-2216	31	9	managing	manage	VERB
ajbmeb-2216	31	10	all	all	DET
ajbmeb-2216	31	11	types	type	NOUN
ajbmeb-2216	31	12	of	of	ADP
ajbmeb-2216	31	13	risks	risk	NOUN
ajbmeb-2216	31	14	is	be	AUX
ajbmeb-2216	31	15	the	the	DET
ajbmeb-2216	31	16	third	third	ADJ
ajbmeb-2216	31	17	important	important	ADJ
ajbmeb-2216	31	18	dimension	dimension	NOUN
ajbmeb-2216	31	19	of	of	ADP
ajbmeb-2216	31	20	banking	banking	NOUN
ajbmeb-2216	31	21	technologies	technology	NOUN
ajbmeb-2216	31	22	.	.	PUNCT
ajbmeb-2216	32	1	this	this	DET
ajbmeb-2216	32	2	measure	measure	NOUN
ajbmeb-2216	32	3	covers	cover	VERB
ajbmeb-2216	32	4	the	the	DET
ajbmeb-2216	32	5	process	process	NOUN
ajbmeb-2216	32	6	of	of	ADP
ajbmeb-2216	32	7	measuring	measure	VERB
ajbmeb-2216	32	8	and	and	CCONJ
ajbmeb-2216	32	9	managing	manage	VERB
ajbmeb-2216	32	10	credit	credit	NOUN
ajbmeb-2216	32	11	risk	risk	NOUN
ajbmeb-2216	32	12	,	,	PUNCT
ajbmeb-2216	32	13	market	market	NOUN
ajbmeb-2216	32	14	risk	risk	NOUN
ajbmeb-2216	32	15	and	and	CCONJ
ajbmeb-2216	32	16	operational	operational	ADJ
ajbmeb-2216	32	17	risk	risk	NOUN
ajbmeb-2216	32	18	.	.	PUNCT
ajbmeb-2216	33	1	in	in	ADP
ajbmeb-2216	33	2	our	our	PRON
ajbmeb-2216	33	3	opinion	opinion	NOUN
ajbmeb-2216	33	4	,	,	PUNCT
ajbmeb-2216	33	5	banking	banking	NOUN
ajbmeb-2216	33	6	technologies	technology	NOUN
ajbmeb-2216	33	7	mean	mean	VERB
ajbmeb-2216	33	8	a	a	DET
ajbmeb-2216	33	9	collection	collection	NOUN
ajbmeb-2216	33	10	of	of	ADP
ajbmeb-2216	33	11	the	the	DET
ajbmeb-2216	33	12	newest	new	ADJ
ajbmeb-2216	33	13	approaches	approach	NOUN
ajbmeb-2216	33	14	,	,	PUNCT
ajbmeb-2216	33	15	methods	method	NOUN
ajbmeb-2216	33	16	,	,	PUNCT
ajbmeb-2216	33	17	and	and	CCONJ
ajbmeb-2216	33	18	tools	tool	NOUN
ajbmeb-2216	33	19	for	for	ADP
ajbmeb-2216	33	20	implementation	implementation	NOUN
ajbmeb-2216	33	21	and	and	CCONJ
ajbmeb-2216	33	22	support	support	NOUN
ajbmeb-2216	33	23	of	of	ADP
ajbmeb-2216	33	24	banking	banking	NOUN
ajbmeb-2216	33	25	activities	activity	NOUN
ajbmeb-2216	33	26	.	.	PUNCT
ajbmeb-2216	34	1	american	american	ADJ
ajbmeb-2216	34	2	journal	journal	PROPN
ajbmeb-2216	34	3	of	of	ADP
ajbmeb-2216	34	4	business	business	NOUN
ajbmeb-2216	34	5	management	management	NOUN
ajbmeb-2216	34	6	,	,	PUNCT
ajbmeb-2216	34	7	economics	economic	NOUN
ajbmeb-2216	34	8	and	and	CCONJ
ajbmeb-2216	34	9	banking	banking	NOUN
ajbmeb-2216	34	10	volume	volume	NOUN
ajbmeb-2216	34	11	25	25	NUM
ajbmeb-2216	34	12	june	june	PROPN
ajbmeb-2216	34	13	2024	2024	NUM
ajbmeb-2216	34	14	p	p	NOUN
ajbmeb-2216	34	15	a	a	DET
ajbmeb-2216	34	16	g	g	NOUN
ajbmeb-2216	34	17	e	e	NOUN
ajbmeb-2216	34	18	|	|	ADV
ajbmeb-2216	34	19	72	72	NUM
ajbmeb-2216	34	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2216	34	21	research	research	NOUN
ajbmeb-2216	34	22	methodology	methodology	NOUN
ajbmeb-2216	34	23	in	in	ADP
ajbmeb-2216	34	24	this	this	DET
ajbmeb-2216	34	25	study	study	NOUN
ajbmeb-2216	34	26	,	,	PUNCT
ajbmeb-2216	34	27	statistical	statistical	ADJ
ajbmeb-2216	34	28	tables	table	NOUN
ajbmeb-2216	34	29	and	and	CCONJ
ajbmeb-2216	34	30	graphs	graph	NOUN
ajbmeb-2216	34	31	,	,	PUNCT
ajbmeb-2216	34	32	analytical	analytical	ADJ
ajbmeb-2216	34	33	comparison	comparison	NOUN
ajbmeb-2216	34	34	,	,	PUNCT
ajbmeb-2216	34	35	logical	logical	ADJ
ajbmeb-2216	34	36	and	and	CCONJ
ajbmeb-2216	34	37	comparative	comparative	ADJ
ajbmeb-2216	34	38	analysis	analysis	NOUN
ajbmeb-2216	34	39	,	,	PUNCT
ajbmeb-2216	34	40	grouping	group	VERB
ajbmeb-2216	34	41	methods	method	NOUN
ajbmeb-2216	34	42	and	and	CCONJ
ajbmeb-2216	34	43	research	research	NOUN
ajbmeb-2216	34	44	works	work	NOUN
ajbmeb-2216	34	45	of	of	ADP
ajbmeb-2216	34	46	foreign	foreign	ADJ
ajbmeb-2216	34	47	and	and	CCONJ
ajbmeb-2216	34	48	local	local	ADJ
ajbmeb-2216	34	49	scientists	scientist	NOUN
ajbmeb-2216	34	50	on	on	ADP
ajbmeb-2216	34	51	the	the	DET
ajbmeb-2216	34	52	subject	subject	NOUN
ajbmeb-2216	34	53	were	be	AUX
ajbmeb-2216	34	54	widely	widely	ADV
ajbmeb-2216	34	55	used	use	VERB
ajbmeb-2216	34	56	.	.	PUNCT
ajbmeb-2216	35	1	analysis	analysis	NOUN
ajbmeb-2216	35	2	and	and	CCONJ
ajbmeb-2216	35	3	results	result	NOUN
ajbmeb-2216	35	4	it	it	PRON
ajbmeb-2216	35	5	should	should	AUX
ajbmeb-2216	35	6	be	be	AUX
ajbmeb-2216	35	7	noted	note	VERB
ajbmeb-2216	35	8	that	that	SCONJ
ajbmeb-2216	35	9	the	the	DET
ajbmeb-2216	35	10	above	above	ADJ
ajbmeb-2216	35	11	concept	concept	NOUN
ajbmeb-2216	35	12	of	of	ADP
ajbmeb-2216	35	13	banking	banking	NOUN
ajbmeb-2216	35	14	technology	technology	NOUN
ajbmeb-2216	35	15	did	do	AUX
ajbmeb-2216	35	16	not	not	PART
ajbmeb-2216	35	17	exist	exist	VERB
ajbmeb-2216	35	18	before	before	ADV
ajbmeb-2216	35	19	in	in	ADP
ajbmeb-2216	35	20	some	some	DET
ajbmeb-2216	35	21	sources	source	NOUN
ajbmeb-2216	35	22	,	,	PUNCT
ajbmeb-2216	35	23	that	that	ADV
ajbmeb-2216	35	24	is	is	ADV
ajbmeb-2216	35	25	,	,	PUNCT
ajbmeb-2216	35	26	it	it	PRON
ajbmeb-2216	35	27	is	be	AUX
ajbmeb-2216	35	28	said	say	VERB
ajbmeb-2216	35	29	that	that	SCONJ
ajbmeb-2216	35	30	it	it	PRON
ajbmeb-2216	35	31	was	be	AUX
ajbmeb-2216	35	32	founded	found	VERB
ajbmeb-2216	35	33	in	in	ADP
ajbmeb-2216	35	34	the	the	DET
ajbmeb-2216	35	35	period	period	NOUN
ajbmeb-2216	35	36	of	of	ADP
ajbmeb-2216	35	37	today	today	NOUN
ajbmeb-2216	35	38	's	's	PART
ajbmeb-2216	35	39	scientific	scientific	ADJ
ajbmeb-2216	35	40	and	and	CCONJ
ajbmeb-2216	35	41	technical	technical	ADJ
ajbmeb-2216	35	42	development	development	NOUN
ajbmeb-2216	35	43	.	.	PUNCT
ajbmeb-2216	36	1	however	however	ADV
ajbmeb-2216	36	2	,	,	PUNCT
ajbmeb-2216	36	3	history	history	NOUN
ajbmeb-2216	36	4	and	and	CCONJ
ajbmeb-2216	36	5	scientific	scientific	ADJ
ajbmeb-2216	36	6	studies	study	NOUN
ajbmeb-2216	36	7	show	show	VERB
ajbmeb-2216	36	8	that	that	SCONJ
ajbmeb-2216	36	9	banking	banking	NOUN
ajbmeb-2216	36	10	technology	technology	NOUN
ajbmeb-2216	36	11	has	have	AUX
ajbmeb-2216	36	12	existed	exist	VERB
ajbmeb-2216	36	13	since	since	SCONJ
ajbmeb-2216	36	14	the	the	DET
ajbmeb-2216	36	15	early	early	ADJ
ajbmeb-2216	36	16	days	day	NOUN
ajbmeb-2216	36	17	of	of	ADP
ajbmeb-2216	36	18	banking	banking	NOUN
ajbmeb-2216	36	19	,	,	PUNCT
ajbmeb-2216	36	20	albeit	albeit	SCONJ
ajbmeb-2216	36	21	in	in	ADP
ajbmeb-2216	36	22	a	a	DET
ajbmeb-2216	36	23	simpler	simple	ADJ
ajbmeb-2216	36	24	form	form	NOUN
ajbmeb-2216	36	25	.	.	PUNCT
ajbmeb-2216	37	1	it	it	PRON
ajbmeb-2216	37	2	can	can	AUX
ajbmeb-2216	37	3	be	be	AUX
ajbmeb-2216	37	4	explained	explain	VERB
ajbmeb-2216	37	5	in	in	ADP
ajbmeb-2216	37	6	the	the	DET
ajbmeb-2216	37	7	following	follow	VERB
ajbmeb-2216	37	8	development	development	NOUN
ajbmeb-2216	37	9	hierarchy	hierarchy	NOUN
ajbmeb-2216	37	10	in	in	ADP
ajbmeb-2216	37	11	harmony	harmony	NOUN
ajbmeb-2216	37	12	with	with	ADP
ajbmeb-2216	37	13	the	the	DET
ajbmeb-2216	37	14	period	period	NOUN
ajbmeb-2216	37	15	of	of	ADP
ajbmeb-2216	37	16	technological	technological	ADJ
ajbmeb-2216	37	17	development	development	NOUN
ajbmeb-2216	37	18	stages	stage	NOUN
ajbmeb-2216	37	19	and	and	CCONJ
ajbmeb-2216	37	20	development	development	NOUN
ajbmeb-2216	37	21	periods	period	NOUN
ajbmeb-2216	37	22	of	of	ADP
ajbmeb-2216	37	23	banks	bank	NOUN
ajbmeb-2216	37	24	[	[	X
ajbmeb-2216	37	25	8,9,10,11,12,13	8,9,10,11,12,13	NUM
ajbmeb-2216	37	26	]	]	PUNCT
ajbmeb-2216	37	27	.	.	NOUN
ajbmeb-2216	38	1	1	1	X
ajbmeb-2216	38	2	)	)	PUNCT
ajbmeb-2216	38	3	xvii	xvii	PROPN
ajbmeb-2216	38	4	-	-	PUNCT
ajbmeb-2216	38	5	xviii	xviii	PROPN
ajbmeb-2216	38	6	centuries	century	NOUN
ajbmeb-2216	38	7	the	the	DET
ajbmeb-2216	38	8	period	period	NOUN
ajbmeb-2216	38	9	before	before	ADP
ajbmeb-2216	38	10	the	the	DET
ajbmeb-2216	38	11	classical	classical	ADJ
ajbmeb-2216	38	12	period	period	NOUN
ajbmeb-2216	38	13	;	;	PUNCT
ajbmeb-2216	38	14	2	2	X
ajbmeb-2216	38	15	)	)	PUNCT
ajbmeb-2216	38	16	from	from	ADP
ajbmeb-2216	38	17	the	the	DET
ajbmeb-2216	38	18	17th	17th	ADJ
ajbmeb-2216	38	19	century	century	NOUN
ajbmeb-2216	38	20	to	to	ADP
ajbmeb-2216	38	21	the	the	DET
ajbmeb-2216	38	22	first	first	ADJ
ajbmeb-2216	38	23	half	half	NOUN
ajbmeb-2216	38	24	of	of	ADP
ajbmeb-2216	38	25	the	the	DET
ajbmeb-2216	38	26	18th	18th	ADJ
ajbmeb-2216	38	27	century	century	NOUN
ajbmeb-2216	38	28	the	the	DET
ajbmeb-2216	38	29	classical	classical	ADJ
ajbmeb-2216	38	30	period	period	NOUN
ajbmeb-2216	38	31	;	;	PUNCT
ajbmeb-2216	38	32	3	3	X
ajbmeb-2216	38	33	)	)	PUNCT
ajbmeb-2216	38	34	1950	1950	NUM
ajbmeb-2216	38	35	-	-	SYM
ajbmeb-2216	38	36	1980	1980	NUM
ajbmeb-2216	38	37	non	non	ADJ
ajbmeb-2216	38	38	-	-	ADJ
ajbmeb-2216	38	39	classical	classical	ADJ
ajbmeb-2216	38	40	period	period	NOUN
ajbmeb-2216	38	41	(	(	PUNCT
ajbmeb-2216	38	42	systematic	systematic	ADJ
ajbmeb-2216	38	43	development	development	NOUN
ajbmeb-2216	38	44	)	)	PUNCT
ajbmeb-2216	38	45	;	;	PUNCT
ajbmeb-2216	39	1	4	4	X
ajbmeb-2216	39	2	)	)	PUNCT
ajbmeb-2216	39	3	1980	1980	NUM
ajbmeb-2216	39	4	to	to	ADP
ajbmeb-2216	39	5	the	the	DET
ajbmeb-2216	39	6	present	present	ADJ
ajbmeb-2216	39	7	post	post	ADJ
ajbmeb-2216	39	8	-	-	ADJ
ajbmeb-2216	39	9	noclassic	noclassic	ADJ
ajbmeb-2216	39	10	period	period	NOUN
ajbmeb-2216	39	11	(	(	PUNCT
ajbmeb-2216	39	12	socio	socio	NOUN
ajbmeb-2216	39	13	-	-	PUNCT
ajbmeb-2216	39	14	economic	economic	ADJ
ajbmeb-2216	39	15	integration	integration	NOUN
ajbmeb-2216	39	16	)	)	PUNCT
ajbmeb-2216	39	17	.	.	PUNCT
ajbmeb-2216	40	1	the	the	DET
ajbmeb-2216	40	2	pre	pre	ADJ
ajbmeb-2216	40	3	-	-	ADJ
ajbmeb-2216	40	4	classical	classical	ADJ
ajbmeb-2216	40	5	period	period	NOUN
ajbmeb-2216	40	6	.	.	PUNCT
ajbmeb-2216	41	1	simple	simple	ADJ
ajbmeb-2216	41	2	forms	form	NOUN
ajbmeb-2216	41	3	of	of	ADP
ajbmeb-2216	41	4	basic	basic	ADJ
ajbmeb-2216	41	5	banking	banking	NOUN
ajbmeb-2216	41	6	operations	operation	NOUN
ajbmeb-2216	41	7	began	begin	VERB
ajbmeb-2216	41	8	to	to	PART
ajbmeb-2216	41	9	take	take	VERB
ajbmeb-2216	41	10	shape	shape	NOUN
ajbmeb-2216	41	11	.	.	PUNCT
ajbmeb-2216	42	1	including	include	VERB
ajbmeb-2216	42	2	credit	credit	NOUN
ajbmeb-2216	42	3	,	,	PUNCT
ajbmeb-2216	42	4	deposit	deposit	NOUN
ajbmeb-2216	42	5	operations	operation	NOUN
ajbmeb-2216	42	6	,	,	PUNCT
ajbmeb-2216	42	7	settlements	settlement	NOUN
ajbmeb-2216	42	8	between	between	ADP
ajbmeb-2216	42	9	depositors	depositor	NOUN
ajbmeb-2216	42	10	.	.	PUNCT
ajbmeb-2216	43	1	classical	classical	ADJ
ajbmeb-2216	43	2	period	period	NOUN
ajbmeb-2216	43	3	.	.	PUNCT
ajbmeb-2216	44	1	it	it	PRON
ajbmeb-2216	44	2	is	be	AUX
ajbmeb-2216	44	3	characterized	characterize	VERB
ajbmeb-2216	44	4	by	by	ADP
ajbmeb-2216	44	5	the	the	DET
ajbmeb-2216	44	6	emergence	emergence	NOUN
ajbmeb-2216	44	7	of	of	ADP
ajbmeb-2216	44	8	banks	bank	NOUN
ajbmeb-2216	44	9	as	as	SCONJ
ajbmeb-2216	44	10	enterprises	enterprise	NOUN
ajbmeb-2216	44	11	engaged	engage	VERB
ajbmeb-2216	44	12	only	only	ADV
ajbmeb-2216	44	13	in	in	ADP
ajbmeb-2216	44	14	banking	banking	NOUN
ajbmeb-2216	44	15	operations	operation	NOUN
ajbmeb-2216	44	16	,	,	PUNCT
ajbmeb-2216	44	17	and	and	CCONJ
ajbmeb-2216	44	18	it	it	PRON
ajbmeb-2216	44	19	is	be	AUX
ajbmeb-2216	44	20	these	these	DET
ajbmeb-2216	44	21	limited	limited	ADJ
ajbmeb-2216	44	22	operations	operation	NOUN
ajbmeb-2216	44	23	that	that	PRON
ajbmeb-2216	44	24	constitute	constitute	VERB
ajbmeb-2216	44	25	banking	banking	NOUN
ajbmeb-2216	44	26	technologies	technology	NOUN
ajbmeb-2216	44	27	.	.	PUNCT
ajbmeb-2216	45	1	also	also	ADV
ajbmeb-2216	45	2	,	,	PUNCT
ajbmeb-2216	45	3	during	during	ADP
ajbmeb-2216	45	4	this	this	DET
ajbmeb-2216	45	5	period	period	NOUN
ajbmeb-2216	45	6	,	,	PUNCT
ajbmeb-2216	45	7	regional	regional	ADJ
ajbmeb-2216	45	8	and	and	CCONJ
ajbmeb-2216	45	9	national	national	ADJ
ajbmeb-2216	45	10	banking	banking	NOUN
ajbmeb-2216	45	11	systems	system	NOUN
ajbmeb-2216	45	12	were	be	AUX
ajbmeb-2216	45	13	formed	form	VERB
ajbmeb-2216	45	14	,	,	PUNCT
ajbmeb-2216	45	15	issuing	issue	VERB
ajbmeb-2216	45	16	banks	bank	NOUN
ajbmeb-2216	45	17	appeared	appear	VERB
ajbmeb-2216	45	18	,	,	PUNCT
ajbmeb-2216	45	19	banknotes	banknote	NOUN
ajbmeb-2216	45	20	,	,	PUNCT
ajbmeb-2216	45	21	transaction	transaction	NOUN
ajbmeb-2216	45	22	accounting	accounting	NOUN
ajbmeb-2216	45	23	systems	system	NOUN
ajbmeb-2216	45	24	and	and	CCONJ
ajbmeb-2216	45	25	document	document	NOUN
ajbmeb-2216	45	26	circulation	circulation	NOUN
ajbmeb-2216	45	27	were	be	AUX
ajbmeb-2216	45	28	integrated	integrate	VERB
ajbmeb-2216	45	29	.	.	PUNCT
ajbmeb-2216	46	1	non	non	ADJ
ajbmeb-2216	46	2	-	-	ADJ
ajbmeb-2216	46	3	classical	classical	ADJ
ajbmeb-2216	46	4	period	period	NOUN
ajbmeb-2216	46	5	(	(	PUNCT
ajbmeb-2216	46	6	period	period	NOUN
ajbmeb-2216	46	7	of	of	ADP
ajbmeb-2216	46	8	systematic	systematic	ADJ
ajbmeb-2216	46	9	development	development	NOUN
ajbmeb-2216	46	10	)	)	PUNCT
ajbmeb-2216	46	11	.	.	PUNCT
ajbmeb-2216	47	1	attention	attention	NOUN
ajbmeb-2216	47	2	has	have	AUX
ajbmeb-2216	47	3	begun	begin	VERB
ajbmeb-2216	47	4	to	to	PART
ajbmeb-2216	47	5	be	be	AUX
ajbmeb-2216	47	6	paid	pay	VERB
ajbmeb-2216	47	7	to	to	ADP
ajbmeb-2216	47	8	the	the	DET
ajbmeb-2216	47	9	relationship	relationship	NOUN
ajbmeb-2216	47	10	between	between	ADP
ajbmeb-2216	47	11	the	the	DET
ajbmeb-2216	47	12	bank	bank	NOUN
ajbmeb-2216	47	13	and	and	CCONJ
ajbmeb-2216	47	14	the	the	DET
ajbmeb-2216	47	15	client	client	NOUN
ajbmeb-2216	47	16	.	.	PUNCT
ajbmeb-2216	48	1	also	also	ADV
ajbmeb-2216	48	2	,	,	PUNCT
ajbmeb-2216	48	3	the	the	DET
ajbmeb-2216	48	4	technologies	technology	NOUN
ajbmeb-2216	48	5	introduced	introduce	VERB
ajbmeb-2216	48	6	into	into	ADP
ajbmeb-2216	48	7	the	the	DET
ajbmeb-2216	48	8	banking	banking	NOUN
ajbmeb-2216	48	9	activity	activity	NOUN
ajbmeb-2216	48	10	are	be	AUX
ajbmeb-2216	48	11	aimed	aim	VERB
ajbmeb-2216	48	12	at	at	ADP
ajbmeb-2216	48	13	creating	create	VERB
ajbmeb-2216	48	14	a	a	DET
ajbmeb-2216	48	15	convenient	convenient	ADJ
ajbmeb-2216	48	16	service	service	NOUN
ajbmeb-2216	48	17	infrastructure	infrastructure	NOUN
ajbmeb-2216	48	18	for	for	ADP
ajbmeb-2216	48	19	customers	customer	NOUN
ajbmeb-2216	48	20	,	,	PUNCT
ajbmeb-2216	48	21	increasing	increase	VERB
ajbmeb-2216	48	22	the	the	DET
ajbmeb-2216	48	23	quality	quality	NOUN
ajbmeb-2216	48	24	of	of	ADP
ajbmeb-2216	48	25	services	service	NOUN
ajbmeb-2216	48	26	,	,	PUNCT
ajbmeb-2216	48	27	and	and	CCONJ
ajbmeb-2216	48	28	offering	offer	VERB
ajbmeb-2216	48	29	new	new	ADJ
ajbmeb-2216	48	30	services	service	NOUN
ajbmeb-2216	48	31	required	require	VERB
ajbmeb-2216	48	32	by	by	ADP
ajbmeb-2216	48	33	the	the	DET
ajbmeb-2216	48	34	customer	customer	NOUN
ajbmeb-2216	48	35	.	.	PUNCT
ajbmeb-2216	49	1	the	the	DET
ajbmeb-2216	49	2	goal	goal	NOUN
ajbmeb-2216	49	3	of	of	ADP
ajbmeb-2216	49	4	introducing	introduce	VERB
ajbmeb-2216	49	5	new	new	ADJ
ajbmeb-2216	49	6	banking	banking	NOUN
ajbmeb-2216	49	7	technologies	technology	NOUN
ajbmeb-2216	49	8	was	be	AUX
ajbmeb-2216	49	9	to	to	PART
ajbmeb-2216	49	10	gain	gain	VERB
ajbmeb-2216	49	11	a	a	DET
ajbmeb-2216	49	12	competitive	competitive	ADJ
ajbmeb-2216	49	13	advantage	advantage	NOUN
ajbmeb-2216	49	14	,	,	PUNCT
ajbmeb-2216	49	15	expand	expand	VERB
ajbmeb-2216	49	16	the	the	DET
ajbmeb-2216	49	17	customer	customer	NOUN
ajbmeb-2216	49	18	base	base	NOUN
ajbmeb-2216	49	19	,	,	PUNCT
ajbmeb-2216	49	20	and	and	CCONJ
ajbmeb-2216	49	21	increase	increase	VERB
ajbmeb-2216	49	22	profitability	profitability	NOUN
ajbmeb-2216	49	23	due	due	ADP
ajbmeb-2216	49	24	to	to	ADP
ajbmeb-2216	49	25	in	in	ADP
ajbmeb-2216	49	26	-	-	PUNCT
ajbmeb-2216	49	27	demand	demand	NOUN
ajbmeb-2216	49	28	technological	technological	ADJ
ajbmeb-2216	49	29	services	service	NOUN
ajbmeb-2216	49	30	.	.	PUNCT
ajbmeb-2216	50	1	postnoclassic	postnoclassic	ADJ
ajbmeb-2216	50	2	period	period	NOUN
ajbmeb-2216	50	3	(	(	PUNCT
ajbmeb-2216	50	4	period	period	NOUN
ajbmeb-2216	50	5	of	of	ADP
ajbmeb-2216	50	6	socio	socio	NOUN
ajbmeb-2216	50	7	-	-	PUNCT
ajbmeb-2216	50	8	economic	economic	ADJ
ajbmeb-2216	50	9	integration	integration	NOUN
ajbmeb-2216	50	10	)	)	PUNCT
ajbmeb-2216	50	11	.	.	PUNCT
ajbmeb-2216	51	1	this	this	DET
ajbmeb-2216	51	2	period	period	NOUN
ajbmeb-2216	51	3	includes	include	VERB
ajbmeb-2216	51	4	the	the	DET
ajbmeb-2216	51	5	bank	bank	NOUN
ajbmeb-2216	51	6	's	's	PART
ajbmeb-2216	51	7	constant	constant	ADJ
ajbmeb-2216	51	8	involvement	involvement	NOUN
ajbmeb-2216	51	9	in	in	ADP
ajbmeb-2216	51	10	the	the	DET
ajbmeb-2216	51	11	client	client	NOUN
ajbmeb-2216	51	12	's	's	PART
ajbmeb-2216	51	13	life	life	NOUN
ajbmeb-2216	51	14	.	.	PUNCT
ajbmeb-2216	52	1	banking	banking	NOUN
ajbmeb-2216	52	2	services	service	NOUN
ajbmeb-2216	52	3	are	be	AUX
ajbmeb-2216	52	4	first	first	ADV
ajbmeb-2216	52	5	integrated	integrate	VERB
ajbmeb-2216	52	6	into	into	ADP
ajbmeb-2216	52	7	the	the	DET
ajbmeb-2216	52	8	complex	complex	NOUN
ajbmeb-2216	52	9	of	of	ADP
ajbmeb-2216	52	10	financial	financial	ADJ
ajbmeb-2216	52	11	relations	relation	NOUN
ajbmeb-2216	52	12	of	of	ADP
ajbmeb-2216	52	13	the	the	DET
ajbmeb-2216	52	14	client	client	NOUN
ajbmeb-2216	52	15	,	,	PUNCT
ajbmeb-2216	52	16	and	and	CCONJ
ajbmeb-2216	52	17	then	then	ADV
ajbmeb-2216	52	18	with	with	ADP
ajbmeb-2216	52	19	all	all	DET
ajbmeb-2216	52	20	areas	area	NOUN
ajbmeb-2216	52	21	of	of	ADP
ajbmeb-2216	52	22	his	his	PRON
ajbmeb-2216	52	23	economic	economic	ADJ
ajbmeb-2216	52	24	activity	activity	NOUN
ajbmeb-2216	52	25	.	.	PUNCT
ajbmeb-2216	53	1	in	in	ADP
ajbmeb-2216	53	2	general	general	ADJ
ajbmeb-2216	53	3	,	,	PUNCT
ajbmeb-2216	53	4	the	the	DET
ajbmeb-2216	53	5	banking	banking	NOUN
ajbmeb-2216	53	6	technologies	technology	NOUN
ajbmeb-2216	53	7	of	of	ADP
ajbmeb-2216	53	8	the	the	DET
ajbmeb-2216	53	9	present	present	ADJ
ajbmeb-2216	53	10	era	era	NOUN
ajbmeb-2216	53	11	are	be	AUX
ajbmeb-2216	53	12	aimed	aim	VERB
ajbmeb-2216	53	13	at	at	ADP
ajbmeb-2216	53	14	ensuring	ensure	VERB
ajbmeb-2216	53	15	the	the	DET
ajbmeb-2216	53	16	maximum	maximum	ADJ
ajbmeb-2216	53	17	availability	availability	NOUN
ajbmeb-2216	53	18	,	,	PUNCT
ajbmeb-2216	53	19	reliability	reliability	NOUN
ajbmeb-2216	53	20	and	and	CCONJ
ajbmeb-2216	53	21	convenience	convenience	NOUN
ajbmeb-2216	53	22	of	of	ADP
ajbmeb-2216	53	23	services	service	NOUN
ajbmeb-2216	53	24	as	as	ADP
ajbmeb-2216	53	25	a	a	DET
ajbmeb-2216	53	26	means	means	NOUN
ajbmeb-2216	53	27	of	of	ADP
ajbmeb-2216	53	28	achieving	achieve	VERB
ajbmeb-2216	53	29	the	the	DET
ajbmeb-2216	53	30	client	client	NOUN
ajbmeb-2216	53	31	's	's	PART
ajbmeb-2216	53	32	goals	goal	NOUN
ajbmeb-2216	53	33	,	,	PUNCT
ajbmeb-2216	53	34	which	which	PRON
ajbmeb-2216	53	35	serves	serve	VERB
ajbmeb-2216	53	36	his	his	PRON
ajbmeb-2216	53	37	interests	interest	NOUN
ajbmeb-2216	53	38	and	and	CCONJ
ajbmeb-2216	53	39	takes	take	VERB
ajbmeb-2216	53	40	into	into	ADP
ajbmeb-2216	53	41	account	account	NOUN
ajbmeb-2216	53	42	his	his	PRON
ajbmeb-2216	53	43	motives	motive	NOUN
ajbmeb-2216	53	44	.	.	PUNCT
ajbmeb-2216	54	1	the	the	DET
ajbmeb-2216	54	2	technologies	technology	NOUN
ajbmeb-2216	54	3	introduced	introduce	VERB
ajbmeb-2216	54	4	by	by	ADP
ajbmeb-2216	54	5	the	the	DET
ajbmeb-2216	54	6	bank	bank	NOUN
ajbmeb-2216	54	7	are	be	AUX
ajbmeb-2216	54	8	aimed	aim	VERB
ajbmeb-2216	54	9	at	at	ADP
ajbmeb-2216	54	10	meeting	meet	VERB
ajbmeb-2216	54	11	the	the	DET
ajbmeb-2216	54	12	needs	need	NOUN
ajbmeb-2216	54	13	of	of	ADP
ajbmeb-2216	54	14	the	the	DET
ajbmeb-2216	54	15	client	client	NOUN
ajbmeb-2216	54	16	who	who	PRON
ajbmeb-2216	54	17	uses	use	VERB
ajbmeb-2216	54	18	complex	complex	ADJ
ajbmeb-2216	54	19	banking	banking	NOUN
ajbmeb-2216	54	20	services	service	NOUN
ajbmeb-2216	54	21	as	as	ADP
ajbmeb-2216	54	22	a	a	DET
ajbmeb-2216	54	23	partner	partner	NOUN
ajbmeb-2216	54	24	.	.	PUNCT
ajbmeb-2216	55	1	it	it	PRON
ajbmeb-2216	55	2	should	should	AUX
ajbmeb-2216	55	3	be	be	AUX
ajbmeb-2216	55	4	noted	note	VERB
ajbmeb-2216	55	5	that	that	SCONJ
ajbmeb-2216	55	6	the	the	DET
ajbmeb-2216	55	7	historical	historical	ADJ
ajbmeb-2216	55	8	processes	process	NOUN
ajbmeb-2216	55	9	of	of	ADP
ajbmeb-2216	55	10	technological	technological	ADJ
ajbmeb-2216	55	11	development	development	NOUN
ajbmeb-2216	55	12	in	in	ADP
ajbmeb-2216	55	13	banking	banking	NOUN
ajbmeb-2216	55	14	and	and	CCONJ
ajbmeb-2216	55	15	finance	finance	NOUN
ajbmeb-2216	55	16	in	in	ADP
ajbmeb-2216	55	17	general	general	ADJ
ajbmeb-2216	55	18	can	can	AUX
ajbmeb-2216	55	19	be	be	AUX
ajbmeb-2216	55	20	expressed	express	VERB
ajbmeb-2216	55	21	as	as	SCONJ
ajbmeb-2216	55	22	follows	follow	VERB
ajbmeb-2216	55	23	.	.	PUNCT
ajbmeb-2216	56	1	that	that	PRON
ajbmeb-2216	56	2	is	is	ADV
ajbmeb-2216	56	3	,	,	PUNCT
ajbmeb-2216	56	4	the	the	DET
ajbmeb-2216	56	5	history	history	NOUN
ajbmeb-2216	56	6	of	of	ADP
ajbmeb-2216	56	7	technological	technological	ADJ
ajbmeb-2216	56	8	innovation	innovation	NOUN
ajbmeb-2216	56	9	in	in	ADP
ajbmeb-2216	56	10	the	the	DET
ajbmeb-2216	56	11	field	field	NOUN
ajbmeb-2216	56	12	of	of	ADP
ajbmeb-2216	56	13	finance	finance	NOUN
ajbmeb-2216	56	14	began	begin	VERB
ajbmeb-2216	56	15	with	with	ADP
ajbmeb-2216	56	16	the	the	DET
ajbmeb-2216	56	17	appearance	appearance	NOUN
ajbmeb-2216	56	18	of	of	ADP
ajbmeb-2216	56	19	checks	check	NOUN
ajbmeb-2216	56	20	as	as	ADP
ajbmeb-2216	56	21	a	a	DET
ajbmeb-2216	56	22	means	means	NOUN
ajbmeb-2216	56	23	of	of	ADP
ajbmeb-2216	56	24	payment	payment	NOUN
ajbmeb-2216	56	25	(	(	PUNCT
ajbmeb-2216	56	26	1945	1945	NUM
ajbmeb-2216	56	27	)	)	PUNCT
ajbmeb-2216	56	28	.	.	PUNCT
ajbmeb-2216	57	1	later	later	ADV
ajbmeb-2216	57	2	,	,	PUNCT
ajbmeb-2216	57	3	bank	bank	PROPN
ajbmeb-2216	57	4	of	of	ADP
ajbmeb-2216	57	5	america	america	PROPN
ajbmeb-2216	57	6	produced	produce	VERB
ajbmeb-2216	57	7	the	the	DET
ajbmeb-2216	57	8	first	first	ADJ
ajbmeb-2216	57	9	credit	credit	NOUN
ajbmeb-2216	57	10	card	card	NOUN
ajbmeb-2216	57	11	(	(	PUNCT
ajbmeb-2216	57	12	1958	1958	NUM
ajbmeb-2216	57	13	)	)	PUNCT
ajbmeb-2216	57	14	and	and	CCONJ
ajbmeb-2216	57	15	atms	atms	PROPN
ajbmeb-2216	57	16	helped	helped	AUX
ajbmeb-2216	57	17	process	process	VERB
ajbmeb-2216	57	18	financial	financial	ADJ
ajbmeb-2216	57	19	transactions	transaction	NOUN
ajbmeb-2216	57	20	in	in	ADP
ajbmeb-2216	57	21	1967	1967	NUM
ajbmeb-2216	57	22	,	,	PUNCT
ajbmeb-2216	57	23	followed	follow	VERB
ajbmeb-2216	57	24	by	by	ADP
ajbmeb-2216	57	25	the	the	DET
ajbmeb-2216	57	26	debit	debit	NOUN
ajbmeb-2216	57	27	card	card	NOUN
ajbmeb-2216	57	28	as	as	ADP
ajbmeb-2216	57	29	a	a	DET
ajbmeb-2216	57	30	means	means	NOUN
ajbmeb-2216	57	31	of	of	ADP
ajbmeb-2216	57	32	transaction	transaction	NOUN
ajbmeb-2216	57	33	.	.	PUNCT
ajbmeb-2216	58	1	in	in	ADP
ajbmeb-2216	58	2	the	the	DET
ajbmeb-2216	58	3	1990s	1990s	NUM
ajbmeb-2216	58	4	,	,	PUNCT
ajbmeb-2216	58	5	supported	support	VERB
ajbmeb-2216	58	6	by	by	ADP
ajbmeb-2216	58	7	the	the	DET
ajbmeb-2216	58	8	development	development	NOUN
ajbmeb-2216	58	9	of	of	ADP
ajbmeb-2216	58	10	the	the	DET
ajbmeb-2216	58	11	internet	internet	NOUN
ajbmeb-2216	58	12	,	,	PUNCT
ajbmeb-2216	58	13	the	the	DET
ajbmeb-2216	58	14	"	"	PUNCT
ajbmeb-2216	58	15	internet	internet	NOUN
ajbmeb-2216	58	16	banking	banking	NOUN
ajbmeb-2216	58	17	"	"	PUNCT
ajbmeb-2216	58	18	system	system	NOUN
ajbmeb-2216	58	19	was	be	AUX
ajbmeb-2216	58	20	launched	launch	VERB
ajbmeb-2216	58	21	.	.	PUNCT
ajbmeb-2216	59	1	in	in	ADP
ajbmeb-2216	59	2	2000	2000	NUM
ajbmeb-2216	59	3	,	,	PUNCT
ajbmeb-2216	59	4	the	the	DET
ajbmeb-2216	59	5	financial	financial	ADJ
ajbmeb-2216	59	6	technologies	technology	NOUN
ajbmeb-2216	59	7	of	of	ADP
ajbmeb-2216	59	8	"	"	PUNCT
ajbmeb-2216	59	9	mobile	mobile	ADJ
ajbmeb-2216	59	10	payments	payment	NOUN
ajbmeb-2216	59	11	"	"	PUNCT
ajbmeb-2216	59	12	and	and	CCONJ
ajbmeb-2216	59	13	"	"	PUNCT
ajbmeb-2216	59	14	crowdfunding	crowdfunding	NOUN
ajbmeb-2216	59	15	"	"	PUNCT
ajbmeb-2216	59	16	(	(	PUNCT
ajbmeb-2216	59	17	fintech	fintech	NOUN
ajbmeb-2216	59	18	)	)	PUNCT
ajbmeb-2216	59	19	were	be	AUX
ajbmeb-2216	59	20	introduced	introduce	VERB
ajbmeb-2216	59	21	.	.	PUNCT
ajbmeb-2216	60	1	this	this	PRON
ajbmeb-2216	60	2	suggests	suggest	VERB
ajbmeb-2216	60	3	that	that	SCONJ
ajbmeb-2216	60	4	fintech	fintech	NOUN
ajbmeb-2216	60	5	is	be	AUX
ajbmeb-2216	60	6	a	a	DET
ajbmeb-2216	60	7	rapidly	rapidly	ADV
ajbmeb-2216	60	8	evolving	evolve	VERB
ajbmeb-2216	60	9	field	field	NOUN
ajbmeb-2216	60	10	and	and	CCONJ
ajbmeb-2216	60	11	therefore	therefore	ADV
ajbmeb-2216	60	12	a	a	DET
ajbmeb-2216	60	13	review	review	NOUN
ajbmeb-2216	60	14	of	of	ADP
ajbmeb-2216	60	15	previous	previous	ADJ
ajbmeb-2216	60	16	research	research	NOUN
ajbmeb-2216	60	17	is	be	AUX
ajbmeb-2216	60	18	necessary	necessary	ADJ
ajbmeb-2216	60	19	to	to	PART
ajbmeb-2216	60	20	reflect	reflect	VERB
ajbmeb-2216	60	21	the	the	DET
ajbmeb-2216	60	22	evolution	evolution	NOUN
ajbmeb-2216	60	23	of	of	ADP
ajbmeb-2216	60	24	financial	financial	ADJ
ajbmeb-2216	60	25	services	service	NOUN
ajbmeb-2216	60	26	[	[	X
ajbmeb-2216	60	27	14	14	NUM
ajbmeb-2216	60	28	]	]	PUNCT
ajbmeb-2216	60	29	.	.	PUNCT
ajbmeb-2216	61	1	american	american	PROPN
ajbmeb-2216	61	2	journal	journal	PROPN
ajbmeb-2216	61	3	of	of	ADP
ajbmeb-2216	61	4	business	business	NOUN
ajbmeb-2216	61	5	management	management	NOUN
ajbmeb-2216	61	6	,	,	PUNCT
ajbmeb-2216	61	7	economics	economic	NOUN
ajbmeb-2216	61	8	and	and	CCONJ
ajbmeb-2216	61	9	banking	banking	NOUN
ajbmeb-2216	61	10	volume	volume	NOUN
ajbmeb-2216	61	11	25	25	NUM
ajbmeb-2216	61	12	june	june	PROPN
ajbmeb-2216	61	13	2024	2024	NUM
ajbmeb-2216	61	14	p	p	NOUN
ajbmeb-2216	61	15	a	a	DET
ajbmeb-2216	61	16	g	g	NOUN
ajbmeb-2216	61	17	e	e	NOUN
ajbmeb-2216	62	1	|	|	ADV
ajbmeb-2216	62	2	73	73	NUM
ajbmeb-2216	62	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2216	63	1	so	so	ADV
ajbmeb-2216	63	2	,	,	PUNCT
ajbmeb-2216	63	3	the	the	DET
ajbmeb-2216	63	4	evolution	evolution	NOUN
ajbmeb-2216	63	5	of	of	ADP
ajbmeb-2216	63	6	financial	financial	ADJ
ajbmeb-2216	63	7	technology	technology	NOUN
ajbmeb-2216	63	8	includes	include	VERB
ajbmeb-2216	63	9	1945	1945	NUM
ajbmeb-2216	63	10	(	(	PUNCT
ajbmeb-2216	63	11	cheque	cheque	NOUN
ajbmeb-2216	63	12	)	)	PUNCT
ajbmeb-2216	63	13	,	,	PUNCT
ajbmeb-2216	63	14	1958	1958	NUM
ajbmeb-2216	63	15	(	(	PUNCT
ajbmeb-2216	63	16	credit	credit	NOUN
ajbmeb-2216	63	17	card	card	NOUN
ajbmeb-2216	63	18	)	)	PUNCT
ajbmeb-2216	63	19	,	,	PUNCT
ajbmeb-2216	63	20	1967	1967	NUM
ajbmeb-2216	63	21	(	(	PUNCT
ajbmeb-2216	63	22	atm	atm	NOUN
ajbmeb-2216	63	23	and	and	CCONJ
ajbmeb-2216	63	24	debit	debit	NOUN
ajbmeb-2216	63	25	card	card	NOUN
ajbmeb-2216	63	26	)	)	PUNCT
ajbmeb-2216	63	27	,	,	PUNCT
ajbmeb-2216	63	28	1990	1990	NUM
ajbmeb-2216	63	29	(	(	PUNCT
ajbmeb-2216	63	30	internet	internet	NOUN
ajbmeb-2216	63	31	banking	banking	NOUN
ajbmeb-2216	63	32	)	)	PUNCT
ajbmeb-2216	63	33	and	and	CCONJ
ajbmeb-2216	63	34	2000	2000	NUM
ajbmeb-2216	63	35	(	(	PUNCT
ajbmeb-2216	63	36	mobile	mobile	ADJ
ajbmeb-2216	63	37	banking	banking	NOUN
ajbmeb-2216	63	38	)	)	PUNCT
ajbmeb-2216	63	39	.	.	PUNCT
ajbmeb-2216	64	1	in	in	ADP
ajbmeb-2216	64	2	recent	recent	ADJ
ajbmeb-2216	64	3	times	time	NOUN
ajbmeb-2216	64	4	,	,	PUNCT
ajbmeb-2216	64	5	computers	computer	NOUN
ajbmeb-2216	64	6	have	have	AUX
ajbmeb-2216	64	7	improved	improve	VERB
ajbmeb-2216	64	8	to	to	ADP
ajbmeb-2216	64	9	such	such	DET
ajbmeb-2216	64	10	an	an	DET
ajbmeb-2216	64	11	extent	extent	NOUN
ajbmeb-2216	64	12	that	that	SCONJ
ajbmeb-2216	64	13	they	they	PRON
ajbmeb-2216	64	14	are	be	AUX
ajbmeb-2216	64	15	giving	give	VERB
ajbmeb-2216	64	16	banks	bank	NOUN
ajbmeb-2216	64	17	possibilities	possibility	NOUN
ajbmeb-2216	64	18	they	they	PRON
ajbmeb-2216	64	19	could	could	AUX
ajbmeb-2216	64	20	only	only	ADV
ajbmeb-2216	64	21	dream	dream	VERB
ajbmeb-2216	64	22	of	of	ADP
ajbmeb-2216	64	23	and	and	CCONJ
ajbmeb-2216	64	24	giving	give	VERB
ajbmeb-2216	64	25	bank	bank	NOUN
ajbmeb-2216	64	26	customers	customer	NOUN
ajbmeb-2216	64	27	great	great	ADJ
ajbmeb-2216	64	28	opportunities	opportunity	NOUN
ajbmeb-2216	64	29	.	.	PUNCT
ajbmeb-2216	65	1	the	the	DET
ajbmeb-2216	65	2	changes	change	NOUN
ajbmeb-2216	65	3	brought	bring	VERB
ajbmeb-2216	65	4	to	to	ADP
ajbmeb-2216	65	5	banks	bank	NOUN
ajbmeb-2216	65	6	by	by	ADP
ajbmeb-2216	65	7	new	new	ADJ
ajbmeb-2216	65	8	technologies	technology	NOUN
ajbmeb-2216	65	9	not	not	PART
ajbmeb-2216	65	10	only	only	ADV
ajbmeb-2216	65	11	have	have	VERB
ajbmeb-2216	65	12	a	a	DET
ajbmeb-2216	65	13	great	great	ADJ
ajbmeb-2216	65	14	impact	impact	NOUN
ajbmeb-2216	65	15	on	on	ADP
ajbmeb-2216	65	16	the	the	DET
ajbmeb-2216	65	17	managers	manager	NOUN
ajbmeb-2216	65	18	,	,	PUNCT
ajbmeb-2216	65	19	employees	employee	NOUN
ajbmeb-2216	65	20	and	and	CCONJ
ajbmeb-2216	65	21	customers	customer	NOUN
ajbmeb-2216	65	22	of	of	ADP
ajbmeb-2216	65	23	banks	bank	NOUN
ajbmeb-2216	65	24	,	,	PUNCT
ajbmeb-2216	65	25	but	but	CCONJ
ajbmeb-2216	65	26	also	also	ADV
ajbmeb-2216	65	27	enable	enable	VERB
ajbmeb-2216	65	28	the	the	DET
ajbmeb-2216	65	29	delivery	delivery	NOUN
ajbmeb-2216	65	30	of	of	ADP
ajbmeb-2216	65	31	banking	banking	NOUN
ajbmeb-2216	65	32	products	product	NOUN
ajbmeb-2216	65	33	and	and	CCONJ
ajbmeb-2216	65	34	services	service	NOUN
ajbmeb-2216	65	35	more	more	ADV
ajbmeb-2216	65	36	conveniently	conveniently	ADV
ajbmeb-2216	65	37	and	and	CCONJ
ajbmeb-2216	65	38	efficiently	efficiently	ADV
ajbmeb-2216	65	39	than	than	ADP
ajbmeb-2216	65	40	ever	ever	ADV
ajbmeb-2216	65	41	before	before	ADV
ajbmeb-2216	65	42	,	,	PUNCT
ajbmeb-2216	65	43	thus	thus	ADV
ajbmeb-2216	65	44	creating	create	VERB
ajbmeb-2216	65	45	new	new	ADJ
ajbmeb-2216	65	46	competitive	competitive	ADJ
ajbmeb-2216	65	47	grounds	ground	NOUN
ajbmeb-2216	65	48	[	[	X
ajbmeb-2216	65	49	15	15	NUM
ajbmeb-2216	65	50	]	]	PUNCT
ajbmeb-2216	65	51	.	.	PUNCT
ajbmeb-2216	66	1	banking	banking	NOUN
ajbmeb-2216	66	2	technologies	technology	NOUN
ajbmeb-2216	66	3	include	include	VERB
ajbmeb-2216	66	4	the	the	DET
ajbmeb-2216	66	5	creation	creation	NOUN
ajbmeb-2216	66	6	of	of	ADP
ajbmeb-2216	66	7	a	a	DET
ajbmeb-2216	66	8	customer	customer	NOUN
ajbmeb-2216	66	9	service	service	NOUN
ajbmeb-2216	66	10	system	system	NOUN
ajbmeb-2216	66	11	for	for	ADP
ajbmeb-2216	66	12	individual	individual	ADJ
ajbmeb-2216	66	13	operations	operation	NOUN
ajbmeb-2216	66	14	and	and	CCONJ
ajbmeb-2216	66	15	the	the	DET
ajbmeb-2216	66	16	bank	bank	NOUN
ajbmeb-2216	66	17	as	as	ADP
ajbmeb-2216	66	18	a	a	DET
ajbmeb-2216	66	19	whole	whole	NOUN
ajbmeb-2216	66	20	,	,	PUNCT
ajbmeb-2216	66	21	a	a	DET
ajbmeb-2216	66	22	set	set	NOUN
ajbmeb-2216	66	23	of	of	ADP
ajbmeb-2216	66	24	tools	tool	NOUN
ajbmeb-2216	66	25	(	(	PUNCT
ajbmeb-2216	66	26	including	include	VERB
ajbmeb-2216	66	27	technical	technical	ADJ
ajbmeb-2216	66	28	tools	tool	NOUN
ajbmeb-2216	66	29	)	)	PUNCT
ajbmeb-2216	66	30	for	for	ADP
ajbmeb-2216	66	31	carrying	carry	VERB
ajbmeb-2216	66	32	out	out	ADP
ajbmeb-2216	66	33	operations	operation	NOUN
ajbmeb-2216	66	34	,	,	PUNCT
ajbmeb-2216	66	35	for	for	ADP
ajbmeb-2216	66	36	example	example	NOUN
ajbmeb-2216	66	37	,	,	PUNCT
ajbmeb-2216	66	38	plastic	plastic	ADJ
ajbmeb-2216	66	39	cards	card	NOUN
ajbmeb-2216	66	40	,	,	PUNCT
ajbmeb-2216	66	41	interactive	interactive	ADJ
ajbmeb-2216	66	42	customer	customer	NOUN
ajbmeb-2216	66	43	service	service	NOUN
ajbmeb-2216	66	44	,	,	PUNCT
ajbmeb-2216	66	45	or	or	CCONJ
ajbmeb-2216	66	46	any	any	DET
ajbmeb-2216	66	47	other	other	ADJ
ajbmeb-2216	66	48	.	.	PUNCT
ajbmeb-2216	67	1	the	the	DET
ajbmeb-2216	67	2	field	field	NOUN
ajbmeb-2216	67	3	of	of	ADP
ajbmeb-2216	67	4	banking	banking	NOUN
ajbmeb-2216	67	5	technologies	technology	NOUN
ajbmeb-2216	67	6	includes	include	VERB
ajbmeb-2216	67	7	automation	automation	NOUN
ajbmeb-2216	67	8	tools	tool	NOUN
ajbmeb-2216	67	9	and	and	CCONJ
ajbmeb-2216	67	10	information	information	NOUN
ajbmeb-2216	67	11	systems	system	NOUN
ajbmeb-2216	67	12	,	,	PUNCT
ajbmeb-2216	67	13	working	work	VERB
ajbmeb-2216	67	14	with	with	ADP
ajbmeb-2216	67	15	modern	modern	ADJ
ajbmeb-2216	67	16	payment	payment	NOUN
ajbmeb-2216	67	17	systems	system	NOUN
ajbmeb-2216	67	18	,	,	PUNCT
ajbmeb-2216	67	19	implementation	implementation	NOUN
ajbmeb-2216	67	20	of	of	ADP
ajbmeb-2216	67	21	cross	cross	ADJ
ajbmeb-2216	67	22	-	-	ADJ
ajbmeb-2216	67	23	industry	industry	ADJ
ajbmeb-2216	67	24	interactions	interaction	NOUN
ajbmeb-2216	67	25	,	,	PUNCT
ajbmeb-2216	67	26	management	management	NOUN
ajbmeb-2216	67	27	technologies	technology	NOUN
ajbmeb-2216	67	28	and	and	CCONJ
ajbmeb-2216	67	29	security	security	NOUN
ajbmeb-2216	67	30	systems	system	NOUN
ajbmeb-2216	67	31	,	,	PUNCT
ajbmeb-2216	67	32	telecommunications	telecommunication	NOUN
ajbmeb-2216	67	33	and	and	CCONJ
ajbmeb-2216	67	34	many	many	ADJ
ajbmeb-2216	67	35	other	other	ADJ
ajbmeb-2216	67	36	things	thing	NOUN
ajbmeb-2216	67	37	,	,	PUNCT
ajbmeb-2216	67	38	without	without	ADP
ajbmeb-2216	67	39	which	which	PRON
ajbmeb-2216	67	40	a	a	DET
ajbmeb-2216	67	41	bank	bank	NOUN
ajbmeb-2216	67	42	can	can	AUX
ajbmeb-2216	67	43	not	not	PART
ajbmeb-2216	67	44	be	be	AUX
ajbmeb-2216	67	45	imagined	imagine	VERB
ajbmeb-2216	67	46	today	today	NOUN
ajbmeb-2216	67	47	.	.	PUNCT
ajbmeb-2216	68	1	today	today	NOUN
ajbmeb-2216	68	2	,	,	PUNCT
ajbmeb-2216	68	3	it	it	PRON
ajbmeb-2216	68	4	is	be	AUX
ajbmeb-2216	68	5	impossible	impossible	ADJ
ajbmeb-2216	68	6	to	to	PART
ajbmeb-2216	68	7	imagine	imagine	VERB
ajbmeb-2216	68	8	solving	solve	VERB
ajbmeb-2216	68	9	any	any	DET
ajbmeb-2216	68	10	problems	problem	NOUN
ajbmeb-2216	68	11	related	relate	VERB
ajbmeb-2216	68	12	to	to	ADP
ajbmeb-2216	68	13	banking	banking	NOUN
ajbmeb-2216	68	14	operations	operation	NOUN
ajbmeb-2216	68	15	and	and	CCONJ
ajbmeb-2216	68	16	managing	managing	NOUN
ajbmeb-2216	68	17	processes	process	NOUN
ajbmeb-2216	68	18	without	without	ADP
ajbmeb-2216	68	19	banking	banking	NOUN
ajbmeb-2216	68	20	technologies	technology	NOUN
ajbmeb-2216	68	21	,	,	PUNCT
ajbmeb-2216	68	22	because	because	SCONJ
ajbmeb-2216	68	23	in	in	ADP
ajbmeb-2216	68	24	the	the	DET
ajbmeb-2216	68	25	last	last	ADJ
ajbmeb-2216	68	26	few	few	ADJ
ajbmeb-2216	68	27	years	year	NOUN
ajbmeb-2216	68	28	,	,	PUNCT
ajbmeb-2216	68	29	the	the	DET
ajbmeb-2216	68	30	requirements	requirement	NOUN
ajbmeb-2216	68	31	for	for	ADP
ajbmeb-2216	68	32	the	the	DET
ajbmeb-2216	68	33	speed	speed	NOUN
ajbmeb-2216	68	34	of	of	ADP
ajbmeb-2216	68	35	decision	decision	NOUN
ajbmeb-2216	68	36	-	-	PUNCT
ajbmeb-2216	68	37	making	making	NOUN
ajbmeb-2216	68	38	have	have	AUX
ajbmeb-2216	68	39	changed	change	VERB
ajbmeb-2216	68	40	dramatically	dramatically	ADV
ajbmeb-2216	68	41	,	,	PUNCT
ajbmeb-2216	68	42	the	the	DET
ajbmeb-2216	68	43	computer	computer	NOUN
ajbmeb-2216	68	44	software	software	NOUN
ajbmeb-2216	68	45	used	use	VERB
ajbmeb-2216	68	46	in	in	ADP
ajbmeb-2216	68	47	the	the	DET
ajbmeb-2216	68	48	process	process	NOUN
ajbmeb-2216	68	49	of	of	ADP
ajbmeb-2216	68	50	banking	banking	NOUN
ajbmeb-2216	68	51	operations	operation	NOUN
ajbmeb-2216	68	52	has	have	AUX
ajbmeb-2216	68	53	improved	improve	VERB
ajbmeb-2216	68	54	,	,	PUNCT
ajbmeb-2216	68	55	and	and	CCONJ
ajbmeb-2216	68	56	the	the	DET
ajbmeb-2216	68	57	volume	volume	NOUN
ajbmeb-2216	68	58	of	of	ADP
ajbmeb-2216	68	59	data	datum	NOUN
ajbmeb-2216	68	60	has	have	AUX
ajbmeb-2216	68	61	increased	increase	VERB
ajbmeb-2216	68	62	.	.	PUNCT
ajbmeb-2216	69	1	the	the	DET
ajbmeb-2216	69	2	concept	concept	NOUN
ajbmeb-2216	69	3	of	of	ADP
ajbmeb-2216	69	4	"	"	PUNCT
ajbmeb-2216	69	5	traditional	traditional	ADJ
ajbmeb-2216	69	6	banking	banking	NOUN
ajbmeb-2216	69	7	"	"	PUNCT
ajbmeb-2216	69	8	and	and	CCONJ
ajbmeb-2216	69	9	the	the	DET
ajbmeb-2216	69	10	science	science	NOUN
ajbmeb-2216	69	11	of	of	ADP
ajbmeb-2216	69	12	the	the	DET
ajbmeb-2216	69	13	same	same	ADJ
ajbmeb-2216	69	14	name	name	NOUN
ajbmeb-2216	69	15	are	be	AUX
ajbmeb-2216	69	16	now	now	ADV
ajbmeb-2216	69	17	turning	turn	VERB
ajbmeb-2216	69	18	into	into	ADP
ajbmeb-2216	69	19	"	"	PUNCT
ajbmeb-2216	69	20	banking	banking	NOUN
ajbmeb-2216	69	21	technologies	technology	NOUN
ajbmeb-2216	69	22	"	"	PUNCT
ajbmeb-2216	69	23	and	and	CCONJ
ajbmeb-2216	69	24	the	the	DET
ajbmeb-2216	69	25	science	science	NOUN
ajbmeb-2216	69	26	about	about	ADP
ajbmeb-2216	69	27	them	they	PRON
ajbmeb-2216	69	28	.	.	PUNCT
ajbmeb-2216	70	1	because	because	SCONJ
ajbmeb-2216	70	2	today	today	NOUN
ajbmeb-2216	70	3	,	,	PUNCT
ajbmeb-2216	70	4	not	not	PART
ajbmeb-2216	70	5	theoretical	theoretical	ADJ
ajbmeb-2216	70	6	,	,	PUNCT
ajbmeb-2216	70	7	but	but	CCONJ
ajbmeb-2216	70	8	practical	practical	ADJ
ajbmeb-2216	70	9	methods	method	NOUN
ajbmeb-2216	70	10	of	of	ADP
ajbmeb-2216	70	11	providing	provide	VERB
ajbmeb-2216	70	12	banking	banking	NOUN
ajbmeb-2216	70	13	services	service	NOUN
ajbmeb-2216	70	14	and	and	CCONJ
ajbmeb-2216	70	15	the	the	DET
ajbmeb-2216	70	16	technical	technical	ADJ
ajbmeb-2216	70	17	means	mean	NOUN
ajbmeb-2216	70	18	of	of	ADP
ajbmeb-2216	70	19	their	their	PRON
ajbmeb-2216	70	20	implementation	implementation	NOUN
ajbmeb-2216	70	21	are	be	AUX
ajbmeb-2216	70	22	in	in	ADP
ajbmeb-2216	70	23	the	the	DET
ajbmeb-2216	70	24	first	first	ADJ
ajbmeb-2216	70	25	place	place	NOUN
ajbmeb-2216	70	26	.	.	PUNCT
ajbmeb-2216	71	1	that	that	PRON
ajbmeb-2216	71	2	is	be	AUX
ajbmeb-2216	71	3	why	why	SCONJ
ajbmeb-2216	71	4	banking	banking	NOUN
ajbmeb-2216	71	5	technologies	technology	NOUN
ajbmeb-2216	71	6	play	play	VERB
ajbmeb-2216	71	7	an	an	DET
ajbmeb-2216	71	8	important	important	ADJ
ajbmeb-2216	71	9	role	role	NOUN
ajbmeb-2216	71	10	in	in	ADP
ajbmeb-2216	71	11	the	the	DET
ajbmeb-2216	71	12	modern	modern	ADJ
ajbmeb-2216	71	13	communication	communication	NOUN
ajbmeb-2216	71	14	world	world	NOUN
ajbmeb-2216	71	15	.	.	PUNCT
ajbmeb-2216	72	1	they	they	PRON
ajbmeb-2216	72	2	are	be	AUX
ajbmeb-2216	72	3	a	a	DET
ajbmeb-2216	72	4	set	set	NOUN
ajbmeb-2216	72	5	of	of	ADP
ajbmeb-2216	72	6	information	information	NOUN
ajbmeb-2216	72	7	and	and	CCONJ
ajbmeb-2216	72	8	telecommunication	telecommunication	NOUN
ajbmeb-2216	72	9	technologies	technology	NOUN
ajbmeb-2216	72	10	.	.	PUNCT
ajbmeb-2216	73	1	banking	banking	NOUN
ajbmeb-2216	73	2	technologies	technology	NOUN
ajbmeb-2216	73	3	include	include	VERB
ajbmeb-2216	73	4	special	special	ADJ
ajbmeb-2216	73	5	computer	computer	NOUN
ajbmeb-2216	73	6	programs	program	NOUN
ajbmeb-2216	73	7	,	,	PUNCT
ajbmeb-2216	73	8	internal	internal	ADJ
ajbmeb-2216	73	9	procedures	procedure	NOUN
ajbmeb-2216	73	10	and	and	CCONJ
ajbmeb-2216	73	11	various	various	ADJ
ajbmeb-2216	73	12	models	model	NOUN
ajbmeb-2216	73	13	related	relate	VERB
ajbmeb-2216	73	14	to	to	ADP
ajbmeb-2216	73	15	risk	risk	NOUN
ajbmeb-2216	73	16	management	management	NOUN
ajbmeb-2216	73	17	.	.	PUNCT
ajbmeb-2216	74	1	financial	financial	ADJ
ajbmeb-2216	74	2	stability	stability	NOUN
ajbmeb-2216	74	3	of	of	ADP
ajbmeb-2216	74	4	banks	bank	NOUN
ajbmeb-2216	74	5	is	be	AUX
ajbmeb-2216	74	6	ensured	ensure	VERB
ajbmeb-2216	74	7	by	by	ADP
ajbmeb-2216	74	8	a	a	DET
ajbmeb-2216	74	9	balanced	balanced	ADJ
ajbmeb-2216	74	10	monetary	monetary	ADJ
ajbmeb-2216	74	11	policy	policy	NOUN
ajbmeb-2216	74	12	.	.	PUNCT
ajbmeb-2216	75	1	modern	modern	ADJ
ajbmeb-2216	75	2	banking	banking	NOUN
ajbmeb-2216	75	3	technologies	technology	NOUN
ajbmeb-2216	75	4	are	be	AUX
ajbmeb-2216	75	5	being	be	AUX
ajbmeb-2216	75	6	introduced	introduce	VERB
ajbmeb-2216	75	7	to	to	PART
ajbmeb-2216	75	8	ensure	ensure	VERB
ajbmeb-2216	75	9	the	the	DET
ajbmeb-2216	75	10	loyalty	loyalty	NOUN
ajbmeb-2216	75	11	of	of	ADP
ajbmeb-2216	75	12	account	account	NOUN
ajbmeb-2216	75	13	holders	holder	NOUN
ajbmeb-2216	75	14	and	and	CCONJ
ajbmeb-2216	75	15	expand	expand	VERB
ajbmeb-2216	75	16	the	the	DET
ajbmeb-2216	75	17	customer	customer	NOUN
ajbmeb-2216	75	18	base	base	NOUN
ajbmeb-2216	75	19	.	.	PUNCT
ajbmeb-2216	76	1	therefore	therefore	ADV
ajbmeb-2216	76	2	,	,	PUNCT
ajbmeb-2216	76	3	banking	banking	NOUN
ajbmeb-2216	76	4	technologies	technology	NOUN
ajbmeb-2216	76	5	describe	describe	VERB
ajbmeb-2216	76	6	a	a	DET
ajbmeb-2216	76	7	set	set	NOUN
ajbmeb-2216	76	8	of	of	ADP
ajbmeb-2216	76	9	methods	method	NOUN
ajbmeb-2216	76	10	of	of	ADP
ajbmeb-2216	76	11	analysis	analysis	NOUN
ajbmeb-2216	76	12	of	of	ADP
ajbmeb-2216	76	13	banks	bank	NOUN
ajbmeb-2216	76	14	'	'	PART
ajbmeb-2216	76	15	activities	activity	NOUN
ajbmeb-2216	76	16	that	that	PRON
ajbmeb-2216	76	17	help	help	VERB
ajbmeb-2216	76	18	to	to	PART
ajbmeb-2216	76	19	increase	increase	VERB
ajbmeb-2216	76	20	material	material	ADJ
ajbmeb-2216	76	21	stability	stability	NOUN
ajbmeb-2216	76	22	,	,	PUNCT
ajbmeb-2216	76	23	effective	effective	ADJ
ajbmeb-2216	76	24	interaction	interaction	NOUN
ajbmeb-2216	76	25	with	with	ADP
ajbmeb-2216	76	26	customers	customer	NOUN
ajbmeb-2216	76	27	.	.	PUNCT
ajbmeb-2216	77	1	in	in	ADP
ajbmeb-2216	77	2	the	the	DET
ajbmeb-2216	77	3	future	future	NOUN
ajbmeb-2216	77	4	,	,	PUNCT
ajbmeb-2216	77	5	more	more	ADJ
ajbmeb-2216	77	6	technologies	technology	NOUN
ajbmeb-2216	77	7	will	will	AUX
ajbmeb-2216	77	8	be	be	AUX
ajbmeb-2216	77	9	introduced	introduce	VERB
ajbmeb-2216	77	10	and	and	CCONJ
ajbmeb-2216	77	11	used	use	VERB
ajbmeb-2216	77	12	in	in	ADP
ajbmeb-2216	77	13	the	the	DET
ajbmeb-2216	77	14	developing	develop	VERB
ajbmeb-2216	77	15	and	and	CCONJ
ajbmeb-2216	77	16	developed	developed	ADJ
ajbmeb-2216	77	17	world	world	NOUN
ajbmeb-2216	77	18	.	.	PUNCT
ajbmeb-2216	78	1	the	the	DET
ajbmeb-2216	78	2	development	development	NOUN
ajbmeb-2216	78	3	of	of	ADP
ajbmeb-2216	78	4	technologies	technology	NOUN
ajbmeb-2216	78	5	will	will	AUX
ajbmeb-2216	78	6	greatly	greatly	ADV
ajbmeb-2216	78	7	help	help	VERB
ajbmeb-2216	78	8	in	in	ADP
ajbmeb-2216	78	9	the	the	DET
ajbmeb-2216	78	10	development	development	NOUN
ajbmeb-2216	78	11	of	of	ADP
ajbmeb-2216	78	12	the	the	DET
ajbmeb-2216	78	13	banking	banking	NOUN
ajbmeb-2216	78	14	sector	sector	NOUN
ajbmeb-2216	78	15	.	.	PUNCT
ajbmeb-2216	79	1	some	some	PRON
ajbmeb-2216	79	2	of	of	ADP
ajbmeb-2216	79	3	the	the	DET
ajbmeb-2216	79	4	old	old	ADJ
ajbmeb-2216	79	5	and	and	CCONJ
ajbmeb-2216	79	6	new	new	ADJ
ajbmeb-2216	79	7	technologies	technology	NOUN
ajbmeb-2216	79	8	used	use	VERB
ajbmeb-2216	79	9	in	in	ADP
ajbmeb-2216	79	10	the	the	DET
ajbmeb-2216	79	11	banking	banking	NOUN
ajbmeb-2216	79	12	system	system	NOUN
ajbmeb-2216	79	13	today	today	NOUN
ajbmeb-2216	79	14	are	be	AUX
ajbmeb-2216	79	15	as	as	SCONJ
ajbmeb-2216	79	16	follows	follow	VERB
ajbmeb-2216	79	17	[	[	X
ajbmeb-2216	79	18	16,17,18,19,20,21,22,23	16,17,18,19,20,21,22,23	NUM
ajbmeb-2216	79	19	]	]	PUNCT
ajbmeb-2216	79	20	.	.	PUNCT
ajbmeb-2216	80	1	automated	automate	VERB
ajbmeb-2216	80	2	teller	teller	NOUN
ajbmeb-2216	80	3	machine	machine	NOUN
ajbmeb-2216	80	4	(	(	PUNCT
ajbmeb-2216	80	5	atm	atm	PROPN
ajbmeb-2216	80	6	)	)	PUNCT
ajbmeb-2216	80	7	;	;	PUNCT
ajbmeb-2216	80	8	mobile	mobile	ADJ
ajbmeb-2216	80	9	banking	banking	NOUN
ajbmeb-2216	80	10	;	;	PUNCT
ajbmeb-2216	80	11	internet	internet	NOUN
ajbmeb-2216	80	12	banking	banking	NOUN
ajbmeb-2216	80	13	;	;	PUNCT
ajbmeb-2216	80	14	sim	sim	ADJ
ajbmeb-2216	80	15	application	application	NOUN
ajbmeb-2216	80	16	-	-	PUNCT
ajbmeb-2216	80	17	toolkit	toolkit	NOUN
ajbmeb-2216	80	18	;	;	PUNCT
ajbmeb-2216	80	19	rfid	rfid	NOUN
ajbmeb-2216	80	20	technology	technology	NOUN
ajbmeb-2216	80	21	;	;	PUNCT
ajbmeb-2216	80	22	contactless	contactless	NOUN
ajbmeb-2216	80	23	payments	payment	NOUN
ajbmeb-2216	80	24	using	use	VERB
ajbmeb-2216	80	25	near	near	ADP
ajbmeb-2216	80	26	field	field	NOUN
ajbmeb-2216	80	27	technology	technology	NOUN
ajbmeb-2216	80	28	(	(	PUNCT
ajbmeb-2216	80	29	nfc	nfc	NOUN
ajbmeb-2216	80	30	)	)	PUNCT
ajbmeb-2216	80	31	;	;	PUNCT
ajbmeb-2216	80	32	mobile	mobile	ADJ
ajbmeb-2216	80	33	money	money	NOUN
ajbmeb-2216	80	34	;	;	PUNCT
ajbmeb-2216	80	35	video	video	NOUN
ajbmeb-2216	80	36	teller	teller	NOUN
ajbmeb-2216	80	37	machine	machine	NOUN
ajbmeb-2216	80	38	(	(	PUNCT
ajbmeb-2216	80	39	vtm	vtm	ADJ
ajbmeb-2216	80	40	)	)	PUNCT
ajbmeb-2216	80	41	;	;	PUNCT
ajbmeb-2216	80	42	secure	secure	VERB
ajbmeb-2216	80	43	short	short	ADJ
ajbmeb-2216	80	44	messaging	messaging	NOUN
ajbmeb-2216	80	45	service	service	NOUN
ajbmeb-2216	80	46	(	(	PUNCT
ajbmeb-2216	80	47	ssms	ssms	PROPN
ajbmeb-2216	80	48	)	)	PUNCT
ajbmeb-2216	80	49	;	;	PUNCT
ajbmeb-2216	80	50	near	near	ADP
ajbmeb-2216	80	51	sound	sound	ADJ
ajbmeb-2216	80	52	data	data	NOUN
ajbmeb-2216	80	53	transfer	transfer	NOUN
ajbmeb-2216	80	54	(	(	PUNCT
ajbmeb-2216	80	55	nsdt	nsdt	NOUN
ajbmeb-2216	80	56	)	)	PUNCT
ajbmeb-2216	80	57	;	;	PUNCT
ajbmeb-2216	80	58	telephone	telephone	NOUN
ajbmeb-2216	80	59	banking	banking	NOUN
ajbmeb-2216	80	60	or	or	CCONJ
ajbmeb-2216	80	61	interactive	interactive	ADJ
ajbmeb-2216	80	62	voice	voice	NOUN
ajbmeb-2216	80	63	response	response	NOUN
ajbmeb-2216	80	64	(	(	PUNCT
ajbmeb-2216	80	65	ivr	ivr	PROPN
ajbmeb-2216	80	66	)	)	PUNCT
ajbmeb-2216	80	67	;	;	PUNCT
ajbmeb-2216	80	68	american	american	PROPN
ajbmeb-2216	80	69	journal	journal	PROPN
ajbmeb-2216	80	70	of	of	ADP
ajbmeb-2216	80	71	business	business	NOUN
ajbmeb-2216	80	72	management	management	NOUN
ajbmeb-2216	80	73	,	,	PUNCT
ajbmeb-2216	80	74	economics	economic	NOUN
ajbmeb-2216	80	75	and	and	CCONJ
ajbmeb-2216	80	76	banking	banking	NOUN
ajbmeb-2216	80	77	volume	volume	NOUN
ajbmeb-2216	80	78	25	25	NUM
ajbmeb-2216	80	79	june	june	PROPN
ajbmeb-2216	80	80	2024	2024	NUM
ajbmeb-2216	80	81	p	p	NOUN
ajbmeb-2216	80	82	a	a	DET
ajbmeb-2216	80	83	g	g	NOUN
ajbmeb-2216	80	84	e	e	NOUN
ajbmeb-2216	80	85	|	|	ADV
ajbmeb-2216	80	86	74	74	NUM
ajbmeb-2216	80	87	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2216	80	88	wireless	wireless	ADJ
ajbmeb-2216	80	89	application	application	NOUN
ajbmeb-2216	80	90	protocol	protocol	NOUN
ajbmeb-2216	80	91	(	(	PUNCT
ajbmeb-2216	80	92	wap	wap	PROPN
ajbmeb-2216	80	93	)	)	PUNCT
ajbmeb-2216	80	94	;	;	PUNCT
ajbmeb-2216	80	95	unstructured	unstructured	ADJ
ajbmeb-2216	80	96	supplementary	supplementary	PROPN
ajbmeb-2216	80	97	service	service	NOUN
ajbmeb-2216	80	98	data	datum	NOUN
ajbmeb-2216	80	99	(	(	PUNCT
ajbmeb-2216	80	100	ussd	ussd	NOUN
ajbmeb-2216	80	101	)	)	PUNCT
ajbmeb-2216	80	102	;	;	PUNCT
ajbmeb-2216	80	103	automated	automate	VERB
ajbmeb-2216	80	104	teller	teller	NOUN
ajbmeb-2216	80	105	machine	machine	NOUN
ajbmeb-2216	80	106	(	(	PUNCT
ajbmeb-2216	80	107	atm	atm	NOUN
ajbmeb-2216	80	108	)	)	PUNCT
ajbmeb-2216	80	109	.	.	PUNCT
ajbmeb-2216	81	1	it	it	PRON
ajbmeb-2216	81	2	is	be	AUX
ajbmeb-2216	81	3	an	an	DET
ajbmeb-2216	81	4	automated	automate	VERB
ajbmeb-2216	81	5	teller	teller	NOUN
ajbmeb-2216	81	6	machine	machine	NOUN
ajbmeb-2216	81	7	,	,	PUNCT
ajbmeb-2216	81	8	a	a	DET
ajbmeb-2216	81	9	technology	technology	NOUN
ajbmeb-2216	81	10	that	that	PRON
ajbmeb-2216	81	11	is	be	AUX
ajbmeb-2216	81	12	used	use	VERB
ajbmeb-2216	81	13	all	all	ADV
ajbmeb-2216	81	14	over	over	ADP
ajbmeb-2216	81	15	the	the	DET
ajbmeb-2216	81	16	world	world	NOUN
ajbmeb-2216	81	17	.	.	PUNCT
ajbmeb-2216	82	1	an	an	DET
ajbmeb-2216	82	2	atm	atm	NOUN
ajbmeb-2216	82	3	helps	help	VERB
ajbmeb-2216	82	4	customers	customer	NOUN
ajbmeb-2216	82	5	to	to	PART
ajbmeb-2216	82	6	have	have	VERB
ajbmeb-2216	82	7	access	access	NOUN
ajbmeb-2216	82	8	to	to	ADP
ajbmeb-2216	82	9	cash	cash	NOUN
ajbmeb-2216	82	10	whenever	whenever	SCONJ
ajbmeb-2216	82	11	they	they	PRON
ajbmeb-2216	82	12	need	need	VERB
ajbmeb-2216	82	13	cash	cash	NOUN
ajbmeb-2216	82	14	.	.	PUNCT
ajbmeb-2216	83	1	the	the	DET
ajbmeb-2216	83	2	pin	pin	PROPN
ajbmeb-2216	83	3	code	code	NOUN
ajbmeb-2216	83	4	provided	provide	VERB
ajbmeb-2216	83	5	by	by	ADP
ajbmeb-2216	83	6	the	the	DET
ajbmeb-2216	83	7	bank	bank	NOUN
ajbmeb-2216	83	8	is	be	AUX
ajbmeb-2216	83	9	used	use	VERB
ajbmeb-2216	83	10	to	to	PART
ajbmeb-2216	83	11	identify	identify	VERB
ajbmeb-2216	83	12	the	the	DET
ajbmeb-2216	83	13	client	client	NOUN
ajbmeb-2216	83	14	.	.	PUNCT
ajbmeb-2216	84	1	to	to	PART
ajbmeb-2216	84	2	use	use	VERB
ajbmeb-2216	84	3	this	this	DET
ajbmeb-2216	84	4	service	service	NOUN
ajbmeb-2216	84	5	,	,	PUNCT
ajbmeb-2216	84	6	the	the	DET
ajbmeb-2216	84	7	customer	customer	NOUN
ajbmeb-2216	84	8	must	must	AUX
ajbmeb-2216	84	9	have	have	VERB
ajbmeb-2216	84	10	a	a	DET
ajbmeb-2216	84	11	bank	bank	NOUN
ajbmeb-2216	84	12	account	account	NOUN
ajbmeb-2216	84	13	,	,	PUNCT
ajbmeb-2216	84	14	debit	debit	NOUN
ajbmeb-2216	84	15	or	or	CCONJ
ajbmeb-2216	84	16	credit	credit	NOUN
ajbmeb-2216	84	17	card	card	NOUN
ajbmeb-2216	84	18	.	.	PUNCT
ajbmeb-2216	85	1	money	money	NOUN
ajbmeb-2216	85	2	can	can	AUX
ajbmeb-2216	85	3	be	be	AUX
ajbmeb-2216	85	4	withdrawn	withdraw	VERB
ajbmeb-2216	85	5	from	from	ADP
ajbmeb-2216	85	6	anywhere	anywhere	ADV
ajbmeb-2216	85	7	in	in	ADP
ajbmeb-2216	85	8	the	the	DET
ajbmeb-2216	85	9	world	world	NOUN
ajbmeb-2216	85	10	.	.	PUNCT
ajbmeb-2216	86	1	mobile	mobile	ADJ
ajbmeb-2216	86	2	banking	banking	NOUN
ajbmeb-2216	86	3	.	.	PUNCT
ajbmeb-2216	87	1	mobile	mobile	ADJ
ajbmeb-2216	87	2	banking	banking	NOUN
ajbmeb-2216	87	3	is	be	AUX
ajbmeb-2216	87	4	the	the	DET
ajbmeb-2216	87	5	newest	new	ADJ
ajbmeb-2216	87	6	technology	technology	NOUN
ajbmeb-2216	87	7	used	use	VERB
ajbmeb-2216	87	8	in	in	ADP
ajbmeb-2216	87	9	the	the	DET
ajbmeb-2216	87	10	field	field	NOUN
ajbmeb-2216	87	11	of	of	ADP
ajbmeb-2216	87	12	banking	banking	NOUN
ajbmeb-2216	87	13	offered	offer	VERB
ajbmeb-2216	87	14	to	to	ADP
ajbmeb-2216	87	15	customers	customer	NOUN
ajbmeb-2216	87	16	.	.	PUNCT
ajbmeb-2216	88	1	customer	customer	NOUN
ajbmeb-2216	88	2	must	must	AUX
ajbmeb-2216	88	3	have	have	VERB
ajbmeb-2216	88	4	a	a	DET
ajbmeb-2216	88	5	smart	smart	ADJ
ajbmeb-2216	88	6	phone	phone	NOUN
ajbmeb-2216	88	7	,	,	PUNCT
ajbmeb-2216	88	8	tablet	tablet	NOUN
ajbmeb-2216	88	9	or	or	CCONJ
ajbmeb-2216	88	10	personal	personal	ADJ
ajbmeb-2216	88	11	digital	digital	ADJ
ajbmeb-2216	88	12	device	device	NOUN
ajbmeb-2216	88	13	.	.	PUNCT
ajbmeb-2216	89	1	a	a	DET
ajbmeb-2216	89	2	program	program	NOUN
ajbmeb-2216	89	3	compatible	compatible	ADJ
ajbmeb-2216	89	4	with	with	ADP
ajbmeb-2216	89	5	the	the	DET
ajbmeb-2216	89	6	operating	operate	VERB
ajbmeb-2216	89	7	software	software	NOUN
ajbmeb-2216	89	8	of	of	ADP
ajbmeb-2216	89	9	windows	window	NOUN
ajbmeb-2216	89	10	,	,	PUNCT
ajbmeb-2216	89	11	android	android	PROPN
ajbmeb-2216	89	12	,	,	PUNCT
ajbmeb-2216	89	13	ios	io	NOUN
ajbmeb-2216	89	14	and	and	CCONJ
ajbmeb-2216	89	15	other	other	ADJ
ajbmeb-2216	89	16	mobile	mobile	ADJ
ajbmeb-2216	89	17	phones	phone	NOUN
ajbmeb-2216	89	18	has	have	AUX
ajbmeb-2216	89	19	been	be	AUX
ajbmeb-2216	89	20	developed	develop	VERB
ajbmeb-2216	89	21	.	.	PUNCT
ajbmeb-2216	90	1	the	the	DET
ajbmeb-2216	90	2	mobile	mobile	ADJ
ajbmeb-2216	90	3	application	application	NOUN
ajbmeb-2216	90	4	is	be	AUX
ajbmeb-2216	90	5	downloaded	download	VERB
ajbmeb-2216	90	6	directly	directly	ADV
ajbmeb-2216	90	7	to	to	ADP
ajbmeb-2216	90	8	the	the	DET
ajbmeb-2216	90	9	mobile	mobile	ADJ
ajbmeb-2216	90	10	device	device	NOUN
ajbmeb-2216	90	11	.	.	PUNCT
ajbmeb-2216	91	1	customer	customer	NOUN
ajbmeb-2216	91	2	must	must	AUX
ajbmeb-2216	91	3	have	have	VERB
ajbmeb-2216	91	4	active	active	ADJ
ajbmeb-2216	91	5	internet	internet	NOUN
ajbmeb-2216	91	6	connection	connection	NOUN
ajbmeb-2216	91	7	on	on	ADP
ajbmeb-2216	91	8	mobile	mobile	ADJ
ajbmeb-2216	91	9	internet	internet	NOUN
ajbmeb-2216	91	10	or	or	CCONJ
ajbmeb-2216	91	11	wi	wi	PROPN
ajbmeb-2216	91	12	-	-	PUNCT
ajbmeb-2216	91	13	fi	fi	NOUN
ajbmeb-2216	91	14	network	network	NOUN
ajbmeb-2216	91	15	to	to	PART
ajbmeb-2216	91	16	use	use	VERB
ajbmeb-2216	91	17	mobile	mobile	ADJ
ajbmeb-2216	91	18	banking	banking	NOUN
ajbmeb-2216	91	19	service	service	NOUN
ajbmeb-2216	91	20	.	.	PUNCT
ajbmeb-2216	92	1	internet	internet	NOUN
ajbmeb-2216	92	2	banking	banking	NOUN
ajbmeb-2216	92	3	.	.	PUNCT
ajbmeb-2216	93	1	customers	customer	NOUN
ajbmeb-2216	93	2	will	will	AUX
ajbmeb-2216	93	3	be	be	AUX
ajbmeb-2216	93	4	able	able	ADJ
ajbmeb-2216	93	5	to	to	PART
ajbmeb-2216	93	6	access	access	VERB
ajbmeb-2216	93	7	their	their	PRON
ajbmeb-2216	93	8	bank	bank	NOUN
ajbmeb-2216	93	9	account	account	NOUN
ajbmeb-2216	93	10	balance	balance	NOUN
ajbmeb-2216	93	11	inquiry	inquiry	NOUN
ajbmeb-2216	93	12	online	online	ADV
ajbmeb-2216	93	13	,	,	PUNCT
ajbmeb-2216	93	14	make	make	VERB
ajbmeb-2216	93	15	payments	payment	NOUN
ajbmeb-2216	93	16	,	,	PUNCT
ajbmeb-2216	93	17	make	make	VERB
ajbmeb-2216	93	18	money	money	NOUN
ajbmeb-2216	93	19	transfers	transfer	NOUN
ajbmeb-2216	93	20	,	,	PUNCT
ajbmeb-2216	93	21	international	international	ADJ
ajbmeb-2216	93	22	money	money	NOUN
ajbmeb-2216	93	23	payments	payment	NOUN
ajbmeb-2216	93	24	,	,	PUNCT
ajbmeb-2216	93	25	create	create	VERB
ajbmeb-2216	93	26	and	and	CCONJ
ajbmeb-2216	93	27	update	update	VERB
ajbmeb-2216	93	28	standing	standing	NOUN
ajbmeb-2216	93	29	orders	order	NOUN
ajbmeb-2216	93	30	and	and	CCONJ
ajbmeb-2216	93	31	direct	direct	ADJ
ajbmeb-2216	93	32	debits	debit	NOUN
ajbmeb-2216	93	33	,	,	PUNCT
ajbmeb-2216	93	34	and	and	CCONJ
ajbmeb-2216	93	35	check	check	VERB
ajbmeb-2216	93	36	recent	recent	ADJ
ajbmeb-2216	93	37	transactions	transaction	NOUN
ajbmeb-2216	93	38	.	.	PUNCT
ajbmeb-2216	94	1	the	the	DET
ajbmeb-2216	94	2	customer	customer	NOUN
ajbmeb-2216	94	3	accesses	access	VERB
ajbmeb-2216	94	4	the	the	DET
ajbmeb-2216	94	5	website	website	NOUN
ajbmeb-2216	94	6	through	through	ADP
ajbmeb-2216	94	7	a	a	DET
ajbmeb-2216	94	8	pc	pc	NOUN
ajbmeb-2216	94	9	or	or	CCONJ
ajbmeb-2216	94	10	laptop	laptop	NOUN
ajbmeb-2216	94	11	and	and	CCONJ
ajbmeb-2216	94	12	the	the	DET
ajbmeb-2216	94	13	account	account	NOUN
ajbmeb-2216	94	14	information	information	NOUN
ajbmeb-2216	94	15	can	can	AUX
ajbmeb-2216	94	16	be	be	AUX
ajbmeb-2216	94	17	accessed	access	VERB
ajbmeb-2216	94	18	from	from	ADP
ajbmeb-2216	94	19	anywhere	anywhere	ADV
ajbmeb-2216	94	20	in	in	ADP
ajbmeb-2216	94	21	the	the	DET
ajbmeb-2216	94	22	world	world	NOUN
ajbmeb-2216	94	23	.	.	PUNCT
ajbmeb-2216	95	1	the	the	DET
ajbmeb-2216	95	2	following	follow	VERB
ajbmeb-2216	95	3	services	service	NOUN
ajbmeb-2216	95	4	can	can	AUX
ajbmeb-2216	95	5	be	be	AUX
ajbmeb-2216	95	6	used	use	VERB
ajbmeb-2216	95	7	on	on	ADP
ajbmeb-2216	95	8	the	the	DET
ajbmeb-2216	95	9	internet	internet	NOUN
ajbmeb-2216	95	10	;	;	PUNCT
ajbmeb-2216	95	11	including	include	VERB
ajbmeb-2216	95	12	account	account	NOUN
ajbmeb-2216	95	13	balance	balance	NOUN
ajbmeb-2216	95	14	enquiry	enquiry	NOUN
ajbmeb-2216	95	15	,	,	PUNCT
ajbmeb-2216	95	16	transferring	transfer	VERB
ajbmeb-2216	95	17	money	money	NOUN
ajbmeb-2216	95	18	between	between	ADP
ajbmeb-2216	95	19	accounts	account	NOUN
ajbmeb-2216	95	20	,	,	PUNCT
ajbmeb-2216	95	21	creating	create	VERB
ajbmeb-2216	95	22	and	and	CCONJ
ajbmeb-2216	95	23	updating	update	VERB
ajbmeb-2216	95	24	standing	standing	ADJ
ajbmeb-2216	95	25	orders	order	NOUN
ajbmeb-2216	95	26	and	and	CCONJ
ajbmeb-2216	95	27	direct	direct	ADJ
ajbmeb-2216	95	28	debits	debit	NOUN
ajbmeb-2216	95	29	,	,	PUNCT
ajbmeb-2216	95	30	money	money	NOUN
ajbmeb-2216	95	31	transfers	transfer	NOUN
ajbmeb-2216	95	32	,	,	PUNCT
ajbmeb-2216	95	33	account	account	NOUN
ajbmeb-2216	95	34	overview	overview	NOUN
ajbmeb-2216	95	35	,	,	PUNCT
ajbmeb-2216	95	36	account	account	NOUN
ajbmeb-2216	95	37	history	history	NOUN
ajbmeb-2216	95	38	,	,	PUNCT
ajbmeb-2216	95	39	loan	loan	NOUN
ajbmeb-2216	95	40	repayment	repayment	NOUN
ajbmeb-2216	95	41	,	,	PUNCT
ajbmeb-2216	95	42	prepaid	prepaid	ADJ
ajbmeb-2216	95	43	card	card	NOUN
ajbmeb-2216	95	44	top	top	ADJ
ajbmeb-2216	95	45	-	-	PUNCT
ajbmeb-2216	95	46	up	up	NOUN
ajbmeb-2216	95	47	and	and	CCONJ
ajbmeb-2216	95	48	password	password	NOUN
ajbmeb-2216	95	49	change	change	NOUN
ajbmeb-2216	95	50	.	.	PUNCT
ajbmeb-2216	96	1	video	video	NOUN
ajbmeb-2216	96	2	teller	teller	NOUN
ajbmeb-2216	96	3	machine	machine	NOUN
ajbmeb-2216	96	4	(	(	PUNCT
ajbmeb-2216	96	5	vtm	vtm	ADJ
ajbmeb-2216	96	6	):	):	PUNCT
ajbmeb-2216	96	7	a	a	DET
ajbmeb-2216	96	8	new	new	ADJ
ajbmeb-2216	96	9	and	and	CCONJ
ajbmeb-2216	96	10	innovative	innovative	ADJ
ajbmeb-2216	96	11	service	service	NOUN
ajbmeb-2216	96	12	provided	provide	VERB
ajbmeb-2216	96	13	by	by	ADP
ajbmeb-2216	96	14	banks	bank	NOUN
ajbmeb-2216	96	15	.	.	PUNCT
ajbmeb-2216	97	1	the	the	DET
ajbmeb-2216	97	2	customer	customer	NOUN
ajbmeb-2216	97	3	is	be	AUX
ajbmeb-2216	97	4	remotely	remotely	ADV
ajbmeb-2216	97	5	connected	connect	VERB
ajbmeb-2216	97	6	to	to	ADP
ajbmeb-2216	97	7	the	the	DET
ajbmeb-2216	97	8	customer	customer	NOUN
ajbmeb-2216	97	9	service	service	NOUN
ajbmeb-2216	97	10	representative	representative	NOUN
ajbmeb-2216	97	11	through	through	ADP
ajbmeb-2216	97	12	vtm	vtm	PROPN
ajbmeb-2216	97	13	for	for	ADP
ajbmeb-2216	97	14	all	all	DET
ajbmeb-2216	97	15	banking	banking	NOUN
ajbmeb-2216	97	16	transactions	transaction	NOUN
ajbmeb-2216	97	17	.	.	PUNCT
ajbmeb-2216	98	1	all	all	DET
ajbmeb-2216	98	2	branches	branch	NOUN
ajbmeb-2216	98	3	of	of	ADP
ajbmeb-2216	98	4	vtm	vtm	PROPN
ajbmeb-2216	98	5	offer	offer	NOUN
ajbmeb-2216	98	6	banking	banking	NOUN
ajbmeb-2216	98	7	services	service	NOUN
ajbmeb-2216	98	8	to	to	ADP
ajbmeb-2216	98	9	customers	customer	NOUN
ajbmeb-2216	98	10	.	.	PUNCT
ajbmeb-2216	99	1	secure	secure	VERB
ajbmeb-2216	99	2	short	short	ADJ
ajbmeb-2216	99	3	messaging	messaging	NOUN
ajbmeb-2216	99	4	service	service	NOUN
ajbmeb-2216	99	5	(	(	PUNCT
ajbmeb-2216	99	6	ssms	ssm	NOUN
ajbmeb-2216	99	7	):	):	PUNCT
ajbmeb-2216	99	8	ssms	ssm	NOUN
ajbmeb-2216	99	9	is	be	AUX
ajbmeb-2216	99	10	used	use	VERB
ajbmeb-2216	99	11	by	by	ADP
ajbmeb-2216	99	12	banking	bank	VERB
ajbmeb-2216	99	13	customers	customer	NOUN
ajbmeb-2216	99	14	to	to	PART
ajbmeb-2216	99	15	send	send	VERB
ajbmeb-2216	99	16	and	and	CCONJ
ajbmeb-2216	99	17	receive	receive	VERB
ajbmeb-2216	99	18	text	text	NOUN
ajbmeb-2216	99	19	messages	message	NOUN
ajbmeb-2216	99	20	to	to	ADP
ajbmeb-2216	99	21	their	their	PRON
ajbmeb-2216	99	22	mobile	mobile	ADJ
ajbmeb-2216	99	23	phones	phone	NOUN
ajbmeb-2216	99	24	.	.	PUNCT
ajbmeb-2216	100	1	banks	bank	NOUN
ajbmeb-2216	100	2	keep	keep	VERB
ajbmeb-2216	100	3	track	track	NOUN
ajbmeb-2216	100	4	of	of	ADP
ajbmeb-2216	100	5	customers	customer	NOUN
ajbmeb-2216	100	6	'	'	PART
ajbmeb-2216	100	7	mobile	mobile	ADJ
ajbmeb-2216	100	8	phone	phone	NOUN
ajbmeb-2216	100	9	numbers	number	NOUN
ajbmeb-2216	100	10	,	,	PUNCT
ajbmeb-2216	100	11	and	and	CCONJ
ajbmeb-2216	100	12	customers	customer	NOUN
ajbmeb-2216	100	13	can	can	AUX
ajbmeb-2216	100	14	make	make	VERB
ajbmeb-2216	100	15	inquiries	inquiry	NOUN
ajbmeb-2216	100	16	about	about	ADP
ajbmeb-2216	100	17	their	their	PRON
ajbmeb-2216	100	18	bank	bank	NOUN
ajbmeb-2216	100	19	account	account	NOUN
ajbmeb-2216	100	20	numbers	number	NOUN
ajbmeb-2216	100	21	.	.	PUNCT
ajbmeb-2216	101	1	to	to	PART
ajbmeb-2216	101	2	use	use	VERB
ajbmeb-2216	101	3	the	the	DET
ajbmeb-2216	101	4	ssms	ssms	PROPN
ajbmeb-2216	101	5	banking	banking	NOUN
ajbmeb-2216	101	6	service	service	NOUN
ajbmeb-2216	101	7	through	through	ADP
ajbmeb-2216	101	8	the	the	DET
ajbmeb-2216	101	9	bank	bank	NOUN
ajbmeb-2216	101	10	,	,	PUNCT
ajbmeb-2216	101	11	the	the	DET
ajbmeb-2216	101	12	customer	customer	NOUN
ajbmeb-2216	101	13	must	must	AUX
ajbmeb-2216	101	14	register	register	VERB
ajbmeb-2216	101	15	his	his	PRON
ajbmeb-2216	101	16	mobile	mobile	ADJ
ajbmeb-2216	101	17	number	number	NOUN
ajbmeb-2216	101	18	.	.	PUNCT
ajbmeb-2216	102	1	also	also	ADV
ajbmeb-2216	102	2	,	,	PUNCT
ajbmeb-2216	102	3	the	the	DET
ajbmeb-2216	102	4	bank	bank	NOUN
ajbmeb-2216	102	5	sends	send	VERB
ajbmeb-2216	102	6	a	a	DET
ajbmeb-2216	102	7	message	message	NOUN
ajbmeb-2216	102	8	to	to	ADP
ajbmeb-2216	102	9	clients	client	NOUN
ajbmeb-2216	102	10	about	about	ADP
ajbmeb-2216	102	11	every	every	DET
ajbmeb-2216	102	12	operation	operation	NOUN
ajbmeb-2216	102	13	that	that	PRON
ajbmeb-2216	102	14	takes	take	VERB
ajbmeb-2216	102	15	place	place	NOUN
ajbmeb-2216	102	16	on	on	ADP
ajbmeb-2216	102	17	the	the	DET
ajbmeb-2216	102	18	account	account	NOUN
ajbmeb-2216	102	19	.	.	PUNCT
ajbmeb-2216	103	1	the	the	DET
ajbmeb-2216	103	2	transaction	transaction	NOUN
ajbmeb-2216	103	3	is	be	AUX
ajbmeb-2216	103	4	carried	carry	VERB
ajbmeb-2216	103	5	out	out	ADP
ajbmeb-2216	103	6	by	by	ADP
ajbmeb-2216	103	7	sending	send	VERB
ajbmeb-2216	103	8	an	an	DET
ajbmeb-2216	103	9	sms	sms	NOUN
ajbmeb-2216	103	10	to	to	ADP
ajbmeb-2216	103	11	the	the	DET
ajbmeb-2216	103	12	number	number	NOUN
ajbmeb-2216	103	13	assigned	assign	VERB
ajbmeb-2216	103	14	to	to	ADP
ajbmeb-2216	103	15	the	the	DET
ajbmeb-2216	103	16	mobile	mobile	ADJ
ajbmeb-2216	103	17	banking	banking	NOUN
ajbmeb-2216	103	18	service	service	NOUN
ajbmeb-2216	103	19	.	.	PUNCT
ajbmeb-2216	104	1	sim	sim	ADJ
ajbmeb-2216	104	2	application	application	NOUN
ajbmeb-2216	104	3	-	-	PUNCT
ajbmeb-2216	104	4	toolkit	toolkit	NOUN
ajbmeb-2216	104	5	:	:	PUNCT
ajbmeb-2216	104	6	this	this	PRON
ajbmeb-2216	104	7	is	be	AUX
ajbmeb-2216	104	8	shown	show	VERB
ajbmeb-2216	104	9	as	as	ADP
ajbmeb-2216	104	10	a	a	DET
ajbmeb-2216	104	11	standard	standard	ADJ
ajbmeb-2216	104	12	sim	sim	ADJ
ajbmeb-2216	104	13	card	card	NOUN
ajbmeb-2216	104	14	programmed	program	VERB
ajbmeb-2216	104	15	with	with	ADP
ajbmeb-2216	104	16	an	an	DET
ajbmeb-2216	104	17	interactive	interactive	ADJ
ajbmeb-2216	104	18	menu	menu	NOUN
ajbmeb-2216	104	19	that	that	PRON
ajbmeb-2216	104	20	allows	allow	VERB
ajbmeb-2216	104	21	the	the	DET
ajbmeb-2216	104	22	client	client	NOUN
ajbmeb-2216	104	23	to	to	PART
ajbmeb-2216	104	24	interact	interact	VERB
ajbmeb-2216	104	25	with	with	ADP
ajbmeb-2216	104	26	it	it	PRON
ajbmeb-2216	104	27	.	.	PUNCT
ajbmeb-2216	105	1	the	the	DET
ajbmeb-2216	105	2	interaction	interaction	NOUN
ajbmeb-2216	105	3	is	be	AUX
ajbmeb-2216	105	4	between	between	ADP
ajbmeb-2216	105	5	the	the	DET
ajbmeb-2216	105	6	client	client	NOUN
ajbmeb-2216	105	7	and	and	CCONJ
ajbmeb-2216	105	8	the	the	DET
ajbmeb-2216	105	9	network	network	NOUN
ajbmeb-2216	105	10	,	,	PUNCT
ajbmeb-2216	105	11	and	and	CCONJ
ajbmeb-2216	105	12	the	the	DET
ajbmeb-2216	105	13	exchange	exchange	NOUN
ajbmeb-2216	105	14	is	be	AUX
ajbmeb-2216	105	15	carried	carry	VERB
ajbmeb-2216	105	16	out	out	ADP
ajbmeb-2216	105	17	by	by	ADP
ajbmeb-2216	105	18	inputting	inputte	VERB
ajbmeb-2216	105	19	information	information	NOUN
ajbmeb-2216	105	20	to	to	ADP
ajbmeb-2216	105	21	the	the	DET
ajbmeb-2216	105	22	client	client	NOUN
ajbmeb-2216	105	23	through	through	ADP
ajbmeb-2216	105	24	an	an	DET
ajbmeb-2216	105	25	interactive	interactive	ADJ
ajbmeb-2216	105	26	menu	menu	NOUN
ajbmeb-2216	105	27	and	and	CCONJ
ajbmeb-2216	105	28	program	program	NOUN
ajbmeb-2216	105	29	.	.	PUNCT
ajbmeb-2216	106	1	mobile	mobile	ADJ
ajbmeb-2216	106	2	operators	operator	NOUN
ajbmeb-2216	106	3	can	can	AUX
ajbmeb-2216	106	4	either	either	CCONJ
ajbmeb-2216	106	5	issue	issue	VERB
ajbmeb-2216	106	6	in	in	ADP
ajbmeb-2216	106	7	-	-	PUNCT
ajbmeb-2216	106	8	network	network	NOUN
ajbmeb-2216	106	9	updates	update	NOUN
ajbmeb-2216	106	10	to	to	ADP
ajbmeb-2216	106	11	their	their	PRON
ajbmeb-2216	106	12	sim	sim	ADJ
ajbmeb-2216	106	13	cards	card	NOUN
ajbmeb-2216	106	14	for	for	ADP
ajbmeb-2216	106	15	customers	customer	NOUN
ajbmeb-2216	106	16	or	or	CCONJ
ajbmeb-2216	106	17	issue	issue	VERB
ajbmeb-2216	106	18	entirely	entirely	ADV
ajbmeb-2216	106	19	new	new	ADJ
ajbmeb-2216	106	20	sim	sim	ADJ
ajbmeb-2216	106	21	cards	card	NOUN
ajbmeb-2216	106	22	.	.	PUNCT
ajbmeb-2216	107	1	the	the	DET
ajbmeb-2216	107	2	biggest	big	ADJ
ajbmeb-2216	107	3	advantage	advantage	NOUN
ajbmeb-2216	107	4	of	of	ADP
ajbmeb-2216	107	5	implementing	implement	VERB
ajbmeb-2216	107	6	sim	sim	ADV
ajbmeb-2216	107	7	-	-	PUNCT
ajbmeb-2216	107	8	based	base	VERB
ajbmeb-2216	107	9	programs	program	NOUN
ajbmeb-2216	107	10	for	for	ADP
ajbmeb-2216	107	11	mobile	mobile	ADJ
ajbmeb-2216	107	12	operators	operator	NOUN
ajbmeb-2216	107	13	and	and	CCONJ
ajbmeb-2216	107	14	financial	financial	ADJ
ajbmeb-2216	107	15	institutions	institution	NOUN
ajbmeb-2216	107	16	is	be	AUX
ajbmeb-2216	107	17	that	that	SCONJ
ajbmeb-2216	107	18	it	it	PRON
ajbmeb-2216	107	19	guarantees	guarantee	VERB
ajbmeb-2216	107	20	that	that	SCONJ
ajbmeb-2216	107	21	the	the	DET
ajbmeb-2216	107	22	application	application	NOUN
ajbmeb-2216	107	23	of	of	ADP
ajbmeb-2216	107	24	these	these	DET
ajbmeb-2216	107	25	firms	firm	NOUN
ajbmeb-2216	107	26	is	be	AUX
ajbmeb-2216	107	27	on	on	ADP
ajbmeb-2216	107	28	the	the	DET
ajbmeb-2216	107	29	sim	sim	NOUN
ajbmeb-2216	107	30	,	,	PUNCT
ajbmeb-2216	107	31	thus	thus	ADV
ajbmeb-2216	107	32	giving	give	VERB
ajbmeb-2216	107	33	the	the	DET
ajbmeb-2216	107	34	bank	bank	NOUN
ajbmeb-2216	107	35	a	a	DET
ajbmeb-2216	107	36	competitive	competitive	ADJ
ajbmeb-2216	107	37	advantage	advantage	NOUN
ajbmeb-2216	107	38	.	.	PUNCT
ajbmeb-2216	108	1	near	near	ADP
ajbmeb-2216	108	2	sound	sound	ADJ
ajbmeb-2216	108	3	data	data	NOUN
ajbmeb-2216	108	4	transfer	transfer	NOUN
ajbmeb-2216	108	5	(	(	PUNCT
ajbmeb-2216	108	6	nsdt	nsdt	NOUN
ajbmeb-2216	108	7	):	):	PUNCT
ajbmeb-2216	108	8	this	this	PRON
ajbmeb-2216	108	9	is	be	AUX
ajbmeb-2216	108	10	a	a	DET
ajbmeb-2216	108	11	fast	fast	ADJ
ajbmeb-2216	108	12	,	,	PUNCT
ajbmeb-2216	108	13	secure	secure	ADJ
ajbmeb-2216	108	14	and	and	CCONJ
ajbmeb-2216	108	15	convenient	convenient	ADJ
ajbmeb-2216	108	16	contactless	contactless	NOUN
ajbmeb-2216	108	17	payment	payment	NOUN
ajbmeb-2216	108	18	technology	technology	NOUN
ajbmeb-2216	108	19	used	use	VERB
ajbmeb-2216	108	20	in	in	ADP
ajbmeb-2216	108	21	mobile	mobile	ADJ
ajbmeb-2216	108	22	banking	banking	NOUN
ajbmeb-2216	108	23	using	use	VERB
ajbmeb-2216	108	24	any	any	DET
ajbmeb-2216	108	25	mobile	mobile	ADJ
ajbmeb-2216	108	26	phone	phone	NOUN
ajbmeb-2216	108	27	.	.	PUNCT
ajbmeb-2216	109	1	nsdt	nsdt	NOUN
ajbmeb-2216	109	2	does	do	AUX
ajbmeb-2216	109	3	not	not	PART
ajbmeb-2216	109	4	use	use	VERB
ajbmeb-2216	109	5	sms	sm	NOUN
ajbmeb-2216	109	6	or	or	CCONJ
ajbmeb-2216	109	7	ussd	ussd	ADJ
ajbmeb-2216	109	8	american	american	PROPN
ajbmeb-2216	109	9	journal	journal	PROPN
ajbmeb-2216	109	10	of	of	ADP
ajbmeb-2216	109	11	business	business	NOUN
ajbmeb-2216	109	12	management	management	NOUN
ajbmeb-2216	109	13	,	,	PUNCT
ajbmeb-2216	109	14	economics	economic	NOUN
ajbmeb-2216	109	15	and	and	CCONJ
ajbmeb-2216	109	16	banking	banking	NOUN
ajbmeb-2216	109	17	volume	volume	NOUN
ajbmeb-2216	109	18	25	25	NUM
ajbmeb-2216	109	19	june	june	PROPN
ajbmeb-2216	109	20	2024	2024	NUM
ajbmeb-2216	109	21	p	p	NOUN
ajbmeb-2216	109	22	a	a	DET
ajbmeb-2216	109	23	g	g	NOUN
ajbmeb-2216	109	24	e	e	NOUN
ajbmeb-2216	109	25	|	|	ADV
ajbmeb-2216	109	26	75	75	NUM
ajbmeb-2216	109	27	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2216	109	28	technologies	technology	NOUN
ajbmeb-2216	109	29	,	,	PUNCT
ajbmeb-2216	109	30	but	but	CCONJ
ajbmeb-2216	109	31	a	a	DET
ajbmeb-2216	109	32	one	one	NUM
ajbmeb-2216	109	33	-	-	PUNCT
ajbmeb-2216	109	34	time	time	NOUN
ajbmeb-2216	109	35	audio	audio	NOUN
ajbmeb-2216	109	36	password	password	NOUN
ajbmeb-2216	109	37	that	that	PRON
ajbmeb-2216	109	38	is	be	AUX
ajbmeb-2216	109	39	issued	issue	VERB
ajbmeb-2216	109	40	every	every	DET
ajbmeb-2216	109	41	time	time	NOUN
ajbmeb-2216	109	42	the	the	DET
ajbmeb-2216	109	43	customer	customer	NOUN
ajbmeb-2216	109	44	wants	want	VERB
ajbmeb-2216	109	45	to	to	PART
ajbmeb-2216	109	46	make	make	VERB
ajbmeb-2216	109	47	payments	payment	NOUN
ajbmeb-2216	109	48	to	to	PART
ajbmeb-2216	109	49	confirm	confirm	VERB
ajbmeb-2216	109	50	the	the	DET
ajbmeb-2216	109	51	transaction	transaction	NOUN
ajbmeb-2216	109	52	.	.	PUNCT
ajbmeb-2216	110	1	the	the	DET
ajbmeb-2216	110	2	nsdt	nsdt	NOUN
ajbmeb-2216	110	3	platform	platform	NOUN
ajbmeb-2216	110	4	enables	enable	VERB
ajbmeb-2216	110	5	secure	secure	ADJ
ajbmeb-2216	110	6	transactions	transaction	NOUN
ajbmeb-2216	110	7	.	.	PUNCT
ajbmeb-2216	111	1	nsdt	nsdt	NOUN
ajbmeb-2216	111	2	transactions	transaction	NOUN
ajbmeb-2216	111	3	are	be	AUX
ajbmeb-2216	111	4	done	do	VERB
ajbmeb-2216	111	5	through	through	ADP
ajbmeb-2216	111	6	the	the	DET
ajbmeb-2216	111	7	customer	customer	NOUN
ajbmeb-2216	111	8	's	's	PART
ajbmeb-2216	111	9	mobile	mobile	ADJ
ajbmeb-2216	111	10	connection	connection	NOUN
ajbmeb-2216	111	11	and	and	CCONJ
ajbmeb-2216	111	12	the	the	DET
ajbmeb-2216	111	13	payment	payment	NOUN
ajbmeb-2216	111	14	acceptance	acceptance	NOUN
ajbmeb-2216	111	15	device	device	NOUN
ajbmeb-2216	111	16	of	of	ADP
ajbmeb-2216	111	17	the	the	DET
ajbmeb-2216	111	18	dealer	dealer	NOUN
ajbmeb-2216	111	19	or	or	CCONJ
ajbmeb-2216	111	20	operators	operator	NOUN
ajbmeb-2216	111	21	.	.	PUNCT
ajbmeb-2216	112	1	the	the	DET
ajbmeb-2216	112	2	customer	customer	NOUN
ajbmeb-2216	112	3	deposits	deposit	VERB
ajbmeb-2216	112	4	the	the	DET
ajbmeb-2216	112	5	money	money	NOUN
ajbmeb-2216	112	6	through	through	ADP
ajbmeb-2216	112	7	the	the	DET
ajbmeb-2216	112	8	registered	register	VERB
ajbmeb-2216	112	9	agent	agent	NOUN
ajbmeb-2216	112	10	and	and	CCONJ
ajbmeb-2216	112	11	the	the	DET
ajbmeb-2216	112	12	money	money	NOUN
ajbmeb-2216	112	13	goes	go	VERB
ajbmeb-2216	112	14	into	into	ADP
ajbmeb-2216	112	15	the	the	DET
ajbmeb-2216	112	16	virtual	virtual	ADJ
ajbmeb-2216	112	17	wallet	wallet	NOUN
ajbmeb-2216	112	18	.	.	PUNCT
ajbmeb-2216	113	1	the	the	DET
ajbmeb-2216	113	2	goal	goal	NOUN
ajbmeb-2216	113	3	of	of	ADP
ajbmeb-2216	113	4	all	all	DET
ajbmeb-2216	113	5	nsdt	nsdt	NOUN
ajbmeb-2216	113	6	transactions	transaction	NOUN
ajbmeb-2216	113	7	is	be	AUX
ajbmeb-2216	113	8	communication	communication	NOUN
ajbmeb-2216	113	9	speed	speed	NOUN
ajbmeb-2216	113	10	and	and	CCONJ
ajbmeb-2216	113	11	data	datum	NOUN
ajbmeb-2216	113	12	compression	compression	NOUN
ajbmeb-2216	113	13	,	,	PUNCT
ajbmeb-2216	113	14	security	security	NOUN
ajbmeb-2216	113	15	and	and	CCONJ
ajbmeb-2216	113	16	cryptography	cryptography	NOUN
ajbmeb-2216	113	17	,	,	PUNCT
ajbmeb-2216	113	18	error	error	NOUN
ajbmeb-2216	113	19	detection	detection	NOUN
ajbmeb-2216	113	20	and	and	CCONJ
ajbmeb-2216	113	21	correction	correction	NOUN
ajbmeb-2216	113	22	,	,	PUNCT
ajbmeb-2216	113	23	and	and	CCONJ
ajbmeb-2216	113	24	ultimately	ultimately	ADV
ajbmeb-2216	113	25	voice	voice	NOUN
ajbmeb-2216	113	26	optimization	optimization	NOUN
ajbmeb-2216	113	27	.	.	PUNCT
ajbmeb-2216	114	1	therefore	therefore	ADV
ajbmeb-2216	114	2	,	,	PUNCT
ajbmeb-2216	114	3	nsdt	nsdt	NOUN
ajbmeb-2216	114	4	performs	perform	VERB
ajbmeb-2216	114	5	efficient	efficient	ADJ
ajbmeb-2216	114	6	and	and	CCONJ
ajbmeb-2216	114	7	perfect	perfect	ADJ
ajbmeb-2216	114	8	operations	operation	NOUN
ajbmeb-2216	114	9	and	and	CCONJ
ajbmeb-2216	114	10	can	can	AUX
ajbmeb-2216	114	11	be	be	AUX
ajbmeb-2216	114	12	used	use	VERB
ajbmeb-2216	114	13	even	even	ADV
ajbmeb-2216	114	14	in	in	ADP
ajbmeb-2216	114	15	very	very	ADV
ajbmeb-2216	114	16	noisy	noisy	ADJ
ajbmeb-2216	114	17	environments	environment	NOUN
ajbmeb-2216	114	18	.	.	PUNCT
ajbmeb-2216	115	1	rfid	rfid	ADJ
ajbmeb-2216	115	2	technology	technology	NOUN
ajbmeb-2216	115	3	.	.	PUNCT
ajbmeb-2216	116	1	the	the	DET
ajbmeb-2216	116	2	bank	bank	NOUN
ajbmeb-2216	116	3	card	card	NOUN
ajbmeb-2216	116	4	is	be	AUX
ajbmeb-2216	116	5	equipped	equip	VERB
ajbmeb-2216	116	6	with	with	ADP
ajbmeb-2216	116	7	a	a	DET
ajbmeb-2216	116	8	payment	payment	NOUN
ajbmeb-2216	116	9	chip	chip	NOUN
ajbmeb-2216	116	10	and	and	CCONJ
ajbmeb-2216	116	11	the	the	DET
ajbmeb-2216	116	12	payment	payment	NOUN
ajbmeb-2216	116	13	is	be	AUX
ajbmeb-2216	116	14	made	make	VERB
ajbmeb-2216	116	15	by	by	ADP
ajbmeb-2216	116	16	simply	simply	ADV
ajbmeb-2216	116	17	placing	place	VERB
ajbmeb-2216	116	18	the	the	DET
ajbmeb-2216	116	19	card	card	NOUN
ajbmeb-2216	116	20	in	in	ADP
ajbmeb-2216	116	21	front	front	NOUN
ajbmeb-2216	116	22	of	of	ADP
ajbmeb-2216	116	23	the	the	DET
ajbmeb-2216	116	24	rfid	rfid	NOUN
ajbmeb-2216	116	25	reader	reader	NOUN
ajbmeb-2216	116	26	and	and	CCONJ
ajbmeb-2216	116	27	the	the	DET
ajbmeb-2216	116	28	payment	payment	NOUN
ajbmeb-2216	116	29	is	be	AUX
ajbmeb-2216	116	30	made	make	VERB
ajbmeb-2216	116	31	automatically	automatically	ADV
ajbmeb-2216	116	32	.	.	PUNCT
ajbmeb-2216	117	1	telephone	telephone	NOUN
ajbmeb-2216	117	2	banking	banking	NOUN
ajbmeb-2216	117	3	or	or	CCONJ
ajbmeb-2216	117	4	interactive	interactive	ADJ
ajbmeb-2216	117	5	voice	voice	NOUN
ajbmeb-2216	117	6	response	response	NOUN
ajbmeb-2216	117	7	(	(	PUNCT
ajbmeb-2216	117	8	ivr	ivr	PROPN
ajbmeb-2216	117	9	)	)	PUNCT
ajbmeb-2216	117	10	.	.	PUNCT
ajbmeb-2216	118	1	telephone	telephone	NOUN
ajbmeb-2216	118	2	banking	banking	NOUN
ajbmeb-2216	118	3	is	be	AUX
ajbmeb-2216	118	4	an	an	DET
ajbmeb-2216	118	5	information	information	NOUN
ajbmeb-2216	118	6	technology	technology	NOUN
ajbmeb-2216	118	7	that	that	PRON
ajbmeb-2216	118	8	allows	allow	VERB
ajbmeb-2216	118	9	the	the	DET
ajbmeb-2216	118	10	customer	customer	NOUN
ajbmeb-2216	118	11	to	to	PART
ajbmeb-2216	118	12	interact	interact	VERB
ajbmeb-2216	118	13	with	with	ADP
ajbmeb-2216	118	14	the	the	DET
ajbmeb-2216	118	15	system	system	NOUN
ajbmeb-2216	118	16	after	after	ADP
ajbmeb-2216	118	17	calling	call	VERB
ajbmeb-2216	118	18	a	a	DET
ajbmeb-2216	118	19	special	special	ADJ
ajbmeb-2216	118	20	number	number	NOUN
ajbmeb-2216	118	21	provided	provide	VERB
ajbmeb-2216	118	22	by	by	ADP
ajbmeb-2216	118	23	the	the	DET
ajbmeb-2216	118	24	bank	bank	NOUN
ajbmeb-2216	118	25	.	.	PUNCT
ajbmeb-2216	119	1	the	the	DET
ajbmeb-2216	119	2	customer	customer	NOUN
ajbmeb-2216	119	3	interacts	interact	VERB
ajbmeb-2216	119	4	with	with	ADP
ajbmeb-2216	119	5	the	the	DET
ajbmeb-2216	119	6	selection	selection	NOUN
ajbmeb-2216	119	7	of	of	ADP
ajbmeb-2216	119	8	various	various	ADJ
ajbmeb-2216	119	9	options	option	NOUN
ajbmeb-2216	119	10	from	from	ADP
ajbmeb-2216	119	11	the	the	DET
ajbmeb-2216	119	12	voice	voice	NOUN
ajbmeb-2216	119	13	message	message	NOUN
ajbmeb-2216	119	14	system	system	NOUN
ajbmeb-2216	119	15	or	or	CCONJ
ajbmeb-2216	119	16	can	can	AUX
ajbmeb-2216	119	17	speak	speak	VERB
ajbmeb-2216	119	18	for	for	ADP
ajbmeb-2216	119	19	selection	selection	NOUN
ajbmeb-2216	119	20	options	option	NOUN
ajbmeb-2216	119	21	.	.	PUNCT
ajbmeb-2216	120	1	the	the	DET
ajbmeb-2216	120	2	customer	customer	NOUN
ajbmeb-2216	120	3	should	should	AUX
ajbmeb-2216	120	4	select	select	VERB
ajbmeb-2216	120	5	the	the	DET
ajbmeb-2216	120	6	most	most	ADV
ajbmeb-2216	120	7	appropriate	appropriate	ADJ
ajbmeb-2216	120	8	option	option	NOUN
ajbmeb-2216	120	9	when	when	SCONJ
ajbmeb-2216	120	10	prompted	prompt	VERB
ajbmeb-2216	120	11	by	by	ADP
ajbmeb-2216	120	12	a	a	DET
ajbmeb-2216	120	13	pre	pre	ADJ
ajbmeb-2216	120	14	-	-	ADJ
ajbmeb-2216	120	15	recorded	recorded	ADJ
ajbmeb-2216	120	16	voice	voice	NOUN
ajbmeb-2216	120	17	on	on	ADP
ajbmeb-2216	120	18	the	the	DET
ajbmeb-2216	120	19	designated	designate	VERB
ajbmeb-2216	120	20	number	number	NOUN
ajbmeb-2216	120	21	for	for	ADP
ajbmeb-2216	120	22	the	the	DET
ajbmeb-2216	120	23	phone	phone	NOUN
ajbmeb-2216	120	24	bank	bank	NOUN
ajbmeb-2216	120	25	.	.	PUNCT
ajbmeb-2216	121	1	the	the	DET
ajbmeb-2216	121	2	voice	voice	NOUN
ajbmeb-2216	121	3	prompt	prompt	NOUN
ajbmeb-2216	121	4	system	system	NOUN
ajbmeb-2216	121	5	uses	use	VERB
ajbmeb-2216	121	6	speech	speech	NOUN
ajbmeb-2216	121	7	recognition	recognition	NOUN
ajbmeb-2216	121	8	that	that	PRON
ajbmeb-2216	121	9	interprets	interpret	VERB
ajbmeb-2216	121	10	the	the	DET
ajbmeb-2216	121	11	customer	customer	NOUN
ajbmeb-2216	121	12	's	's	PART
ajbmeb-2216	121	13	voice	voice	NOUN
ajbmeb-2216	121	14	.	.	PUNCT
ajbmeb-2216	122	1	to	to	PART
ajbmeb-2216	122	2	select	select	VERB
ajbmeb-2216	122	3	an	an	DET
ajbmeb-2216	122	4	option	option	NOUN
ajbmeb-2216	122	5	,	,	PUNCT
ajbmeb-2216	122	6	the	the	DET
ajbmeb-2216	122	7	customer	customer	NOUN
ajbmeb-2216	122	8	must	must	AUX
ajbmeb-2216	122	9	use	use	VERB
ajbmeb-2216	122	10	simple	simple	ADJ
ajbmeb-2216	122	11	words	word	NOUN
ajbmeb-2216	122	12	such	such	ADJ
ajbmeb-2216	122	13	as	as	ADP
ajbmeb-2216	122	14	"	"	PUNCT
ajbmeb-2216	122	15	yes	yes	INTJ
ajbmeb-2216	122	16	"	"	PUNCT
ajbmeb-2216	122	17	,	,	PUNCT
ajbmeb-2216	122	18	"	"	PUNCT
ajbmeb-2216	122	19	no	no	INTJ
ajbmeb-2216	122	20	"	"	PUNCT
ajbmeb-2216	122	21	or	or	CCONJ
ajbmeb-2216	122	22	a	a	DET
ajbmeb-2216	122	23	number	number	NOUN
ajbmeb-2216	122	24	.	.	PUNCT
ajbmeb-2216	123	1	wireless	wireless	ADJ
ajbmeb-2216	123	2	application	application	NOUN
ajbmeb-2216	123	3	protocol	protocol	NOUN
ajbmeb-2216	123	4	(	(	PUNCT
ajbmeb-2216	123	5	wap	wap	PROPN
ajbmeb-2216	123	6	)	)	PUNCT
ajbmeb-2216	123	7	.	.	PUNCT
ajbmeb-2216	124	1	this	this	PRON
ajbmeb-2216	124	2	is	be	AUX
ajbmeb-2216	124	3	a	a	DET
ajbmeb-2216	124	4	technology	technology	NOUN
ajbmeb-2216	124	5	used	use	VERB
ajbmeb-2216	124	6	in	in	ADP
ajbmeb-2216	124	7	mobile	mobile	ADJ
ajbmeb-2216	124	8	banking	banking	NOUN
ajbmeb-2216	124	9	,	,	PUNCT
ajbmeb-2216	124	10	where	where	SCONJ
ajbmeb-2216	124	11	the	the	DET
ajbmeb-2216	124	12	customer	customer	NOUN
ajbmeb-2216	124	13	connects	connect	VERB
ajbmeb-2216	124	14	to	to	ADP
ajbmeb-2216	124	15	the	the	DET
ajbmeb-2216	124	16	bank	bank	NOUN
ajbmeb-2216	124	17	's	's	PART
ajbmeb-2216	124	18	website	website	NOUN
ajbmeb-2216	124	19	via	via	ADP
ajbmeb-2216	124	20	the	the	DET
ajbmeb-2216	124	21	internet	internet	NOUN
ajbmeb-2216	124	22	using	use	VERB
ajbmeb-2216	124	23	a	a	DET
ajbmeb-2216	124	24	browser	browser	NOUN
ajbmeb-2216	124	25	on	on	ADP
ajbmeb-2216	124	26	their	their	PRON
ajbmeb-2216	124	27	mobile	mobile	ADJ
ajbmeb-2216	124	28	phone	phone	NOUN
ajbmeb-2216	124	29	.	.	PUNCT
ajbmeb-2216	125	1	a	a	DET
ajbmeb-2216	125	2	customer	customer	NOUN
ajbmeb-2216	125	3	can	can	AUX
ajbmeb-2216	125	4	access	access	VERB
ajbmeb-2216	125	5	their	their	PRON
ajbmeb-2216	125	6	bank	bank	NOUN
ajbmeb-2216	125	7	account	account	NOUN
ajbmeb-2216	125	8	information	information	NOUN
ajbmeb-2216	125	9	using	use	VERB
ajbmeb-2216	125	10	a	a	DET
ajbmeb-2216	125	11	mobile	mobile	ADJ
ajbmeb-2216	125	12	phone	phone	NOUN
ajbmeb-2216	125	13	that	that	PRON
ajbmeb-2216	125	14	acts	act	VERB
ajbmeb-2216	125	15	as	as	ADP
ajbmeb-2216	125	16	a	a	DET
ajbmeb-2216	125	17	computer	computer	NOUN
ajbmeb-2216	125	18	.	.	PUNCT
ajbmeb-2216	126	1	the	the	DET
ajbmeb-2216	126	2	customer	customer	NOUN
ajbmeb-2216	126	3	gets	get	VERB
ajbmeb-2216	126	4	access	access	NOUN
ajbmeb-2216	126	5	without	without	ADP
ajbmeb-2216	126	6	having	have	VERB
ajbmeb-2216	126	7	to	to	PART
ajbmeb-2216	126	8	download	download	VERB
ajbmeb-2216	126	9	any	any	DET
ajbmeb-2216	126	10	software	software	NOUN
ajbmeb-2216	126	11	.	.	PUNCT
ajbmeb-2216	127	1	unstructured	unstructured	ADJ
ajbmeb-2216	127	2	supplementary	supplementary	PROPN
ajbmeb-2216	127	3	service	service	NOUN
ajbmeb-2216	127	4	data	datum	NOUN
ajbmeb-2216	127	5	(	(	PUNCT
ajbmeb-2216	127	6	ussd	ussd	NOUN
ajbmeb-2216	127	7	)	)	PUNCT
ajbmeb-2216	127	8	.	.	PUNCT
ajbmeb-2216	128	1	this	this	PRON
ajbmeb-2216	128	2	is	be	AUX
ajbmeb-2216	128	3	an	an	DET
ajbmeb-2216	128	4	sms	sms	NOUN
ajbmeb-2216	128	5	service	service	NOUN
ajbmeb-2216	128	6	with	with	ADP
ajbmeb-2216	128	7	a	a	DET
ajbmeb-2216	128	8	menu	menu	NOUN
ajbmeb-2216	128	9	and	and	CCONJ
ajbmeb-2216	128	10	a	a	DET
ajbmeb-2216	128	11	fixed	fixed	ADJ
ajbmeb-2216	128	12	session	session	NOUN
ajbmeb-2216	128	13	.	.	PUNCT
ajbmeb-2216	129	1	this	this	PRON
ajbmeb-2216	129	2	is	be	AUX
ajbmeb-2216	129	3	the	the	DET
ajbmeb-2216	129	4	standard	standard	NOUN
ajbmeb-2216	129	5	used	use	VERB
ajbmeb-2216	129	6	by	by	ADP
ajbmeb-2216	129	7	all	all	DET
ajbmeb-2216	129	8	phone	phone	NOUN
ajbmeb-2216	129	9	models	model	NOUN
ajbmeb-2216	129	10	.	.	PUNCT
ajbmeb-2216	130	1	the	the	DET
ajbmeb-2216	130	2	customer	customer	NOUN
ajbmeb-2216	130	3	has	have	VERB
ajbmeb-2216	130	4	to	to	PART
ajbmeb-2216	130	5	choose	choose	VERB
ajbmeb-2216	130	6	from	from	ADP
ajbmeb-2216	130	7	a	a	DET
ajbmeb-2216	130	8	list	list	NOUN
ajbmeb-2216	130	9	of	of	ADP
ajbmeb-2216	130	10	options	option	NOUN
ajbmeb-2216	130	11	in	in	ADP
ajbmeb-2216	130	12	the	the	DET
ajbmeb-2216	130	13	menu	menu	NOUN
ajbmeb-2216	130	14	to	to	PART
ajbmeb-2216	130	15	proceed	proceed	VERB
ajbmeb-2216	130	16	as	as	SCONJ
ajbmeb-2216	130	17	opposed	oppose	VERB
ajbmeb-2216	130	18	to	to	ADP
ajbmeb-2216	130	19	using	use	VERB
ajbmeb-2216	130	20	sentences	sentence	NOUN
ajbmeb-2216	130	21	to	to	PART
ajbmeb-2216	130	22	respond	respond	VERB
ajbmeb-2216	130	23	.	.	PUNCT
ajbmeb-2216	131	1	the	the	DET
ajbmeb-2216	131	2	main	main	ADJ
ajbmeb-2216	131	3	advantage	advantage	NOUN
ajbmeb-2216	131	4	of	of	ADP
ajbmeb-2216	131	5	ussd	ussd	NOUN
ajbmeb-2216	131	6	:	:	PUNCT
ajbmeb-2216	131	7	the	the	DET
ajbmeb-2216	131	8	client	client	NOUN
ajbmeb-2216	131	9	responds	respond	VERB
ajbmeb-2216	131	10	quickly	quickly	ADV
ajbmeb-2216	131	11	by	by	ADP
ajbmeb-2216	131	12	selecting	select	VERB
ajbmeb-2216	131	13	appropriate	appropriate	ADJ
ajbmeb-2216	131	14	options	option	NOUN
ajbmeb-2216	131	15	from	from	ADP
ajbmeb-2216	131	16	the	the	DET
ajbmeb-2216	131	17	menu	menu	NOUN
ajbmeb-2216	131	18	.	.	PUNCT
ajbmeb-2216	132	1	ussd	ussd	PROPN
ajbmeb-2216	132	2	allows	allow	VERB
ajbmeb-2216	132	3	communication	communication	NOUN
ajbmeb-2216	132	4	between	between	ADP
ajbmeb-2216	132	5	the	the	DET
ajbmeb-2216	132	6	client	client	NOUN
ajbmeb-2216	132	7	,	,	PUNCT
ajbmeb-2216	132	8	the	the	DET
ajbmeb-2216	132	9	mobile	mobile	ADJ
ajbmeb-2216	132	10	network	network	NOUN
ajbmeb-2216	132	11	and	and	CCONJ
ajbmeb-2216	132	12	the	the	DET
ajbmeb-2216	132	13	bank	bank	NOUN
ajbmeb-2216	132	14	.	.	PUNCT
ajbmeb-2216	133	1	to	to	PART
ajbmeb-2216	133	2	use	use	VERB
ajbmeb-2216	133	3	the	the	DET
ajbmeb-2216	133	4	ussd	ussd	ADJ
ajbmeb-2216	133	5	service	service	NOUN
ajbmeb-2216	133	6	,	,	PUNCT
ajbmeb-2216	133	7	the	the	DET
ajbmeb-2216	133	8	customer	customer	NOUN
ajbmeb-2216	133	9	's	's	PART
ajbmeb-2216	133	10	sim	sim	ADJ
ajbmeb-2216	133	11	card	card	NOUN
ajbmeb-2216	133	12	is	be	AUX
ajbmeb-2216	133	13	pre	pre	VERB
ajbmeb-2216	133	14	-	-	VERB
ajbmeb-2216	133	15	installed	instal	VERB
ajbmeb-2216	133	16	with	with	ADP
ajbmeb-2216	133	17	the	the	DET
ajbmeb-2216	133	18	commands	command	NOUN
ajbmeb-2216	133	19	necessary	necessary	ADJ
ajbmeb-2216	133	20	for	for	ADP
ajbmeb-2216	133	21	the	the	DET
ajbmeb-2216	133	22	service	service	NOUN
ajbmeb-2216	133	23	.	.	PUNCT
ajbmeb-2216	134	1	the	the	DET
ajbmeb-2216	134	2	customer	customer	NOUN
ajbmeb-2216	134	3	uses	use	VERB
ajbmeb-2216	134	4	numbers	number	NOUN
ajbmeb-2216	134	5	allocated	allocate	VERB
ajbmeb-2216	134	6	for	for	ADP
ajbmeb-2216	134	7	the	the	DET
ajbmeb-2216	134	8	ussd	ussd	ADJ
ajbmeb-2216	134	9	service	service	NOUN
ajbmeb-2216	134	10	provided	provide	VERB
ajbmeb-2216	134	11	by	by	ADP
ajbmeb-2216	134	12	the	the	DET
ajbmeb-2216	134	13	bank	bank	NOUN
ajbmeb-2216	134	14	or	or	CCONJ
ajbmeb-2216	134	15	mobile	mobile	ADJ
ajbmeb-2216	134	16	operator	operator	NOUN
ajbmeb-2216	134	17	.	.	PUNCT
ajbmeb-2216	135	1	the	the	DET
ajbmeb-2216	135	2	client	client	NOUN
ajbmeb-2216	135	3	starts	start	VERB
ajbmeb-2216	135	4	the	the	DET
ajbmeb-2216	135	5	request	request	NOUN
ajbmeb-2216	135	6	by	by	ADP
ajbmeb-2216	135	7	dialing	dial	VERB
ajbmeb-2216	135	8	the	the	DET
ajbmeb-2216	135	9	ussd	ussd	ADJ
ajbmeb-2216	135	10	service	service	NOUN
ajbmeb-2216	135	11	number	number	NOUN
ajbmeb-2216	135	12	,	,	PUNCT
ajbmeb-2216	135	13	the	the	DET
ajbmeb-2216	135	14	mobile	mobile	ADJ
ajbmeb-2216	135	15	operator	operator	NOUN
ajbmeb-2216	135	16	returns	return	VERB
ajbmeb-2216	135	17	the	the	DET
ajbmeb-2216	135	18	menu	menu	NOUN
ajbmeb-2216	135	19	.	.	PUNCT
ajbmeb-2216	136	1	the	the	DET
ajbmeb-2216	136	2	client	client	NOUN
ajbmeb-2216	136	3	chooses	choose	VERB
ajbmeb-2216	136	4	one	one	NUM
ajbmeb-2216	136	5	of	of	ADP
ajbmeb-2216	136	6	the	the	DET
ajbmeb-2216	136	7	available	available	ADJ
ajbmeb-2216	136	8	options	option	NOUN
ajbmeb-2216	136	9	.	.	PUNCT
ajbmeb-2216	137	1	contactless	contactless	NOUN
ajbmeb-2216	137	2	payments	payment	NOUN
ajbmeb-2216	137	3	using	use	VERB
ajbmeb-2216	137	4	near	near	ADP
ajbmeb-2216	137	5	field	field	NOUN
ajbmeb-2216	137	6	technology	technology	NOUN
ajbmeb-2216	137	7	(	(	PUNCT
ajbmeb-2216	137	8	nfc	nfc	NOUN
ajbmeb-2216	137	9	)	)	PUNCT
ajbmeb-2216	137	10	.	.	PUNCT
ajbmeb-2216	138	1	it	it	PRON
ajbmeb-2216	138	2	is	be	AUX
ajbmeb-2216	138	3	a	a	DET
ajbmeb-2216	138	4	form	form	NOUN
ajbmeb-2216	138	5	of	of	ADP
ajbmeb-2216	138	6	mobile	mobile	ADJ
ajbmeb-2216	138	7	communication	communication	NOUN
ajbmeb-2216	138	8	and	and	CCONJ
ajbmeb-2216	138	9	wireless	wireless	ADJ
ajbmeb-2216	138	10	payment	payment	NOUN
ajbmeb-2216	138	11	using	use	VERB
ajbmeb-2216	138	12	two	two	NUM
ajbmeb-2216	138	13	-	-	PUNCT
ajbmeb-2216	138	14	way	way	NOUN
ajbmeb-2216	138	15	radio	radio	NOUN
ajbmeb-2216	138	16	wave	wave	NOUN
ajbmeb-2216	138	17	communication	communication	NOUN
ajbmeb-2216	138	18	,	,	PUNCT
ajbmeb-2216	138	19	as	as	ADV
ajbmeb-2216	138	20	well	well	ADV
ajbmeb-2216	138	21	as	as	ADP
ajbmeb-2216	138	22	smart	smart	ADJ
ajbmeb-2216	138	23	mobile	mobile	ADJ
ajbmeb-2216	138	24	devices	device	NOUN
ajbmeb-2216	138	25	running	run	VERB
ajbmeb-2216	138	26	compatible	compatible	ADJ
ajbmeb-2216	138	27	software	software	NOUN
ajbmeb-2216	138	28	and	and	CCONJ
ajbmeb-2216	138	29	placed	place	VERB
ajbmeb-2216	138	30	in	in	ADP
ajbmeb-2216	138	31	close	close	ADJ
ajbmeb-2216	138	32	proximity	proximity	NOUN
ajbmeb-2216	138	33	to	to	ADP
ajbmeb-2216	138	34	each	each	DET
ajbmeb-2216	138	35	other	other	ADJ
ajbmeb-2216	138	36	.	.	PUNCT
ajbmeb-2216	139	1	nfc	nfc	NOUN
ajbmeb-2216	139	2	is	be	AUX
ajbmeb-2216	139	3	a	a	DET
ajbmeb-2216	139	4	short	short	ADJ
ajbmeb-2216	139	5	-	-	PUNCT
ajbmeb-2216	139	6	range	range	NOUN
ajbmeb-2216	139	7	,	,	PUNCT
ajbmeb-2216	139	8	highfrequency	highfrequency	NOUN
ajbmeb-2216	139	9	technology	technology	NOUN
ajbmeb-2216	139	10	that	that	PRON
ajbmeb-2216	139	11	allows	allow	VERB
ajbmeb-2216	139	12	data	datum	NOUN
ajbmeb-2216	139	13	to	to	PART
ajbmeb-2216	139	14	be	be	AUX
ajbmeb-2216	139	15	exchanged	exchange	VERB
ajbmeb-2216	139	16	between	between	ADP
ajbmeb-2216	139	17	devices	device	NOUN
ajbmeb-2216	139	18	at	at	ADP
ajbmeb-2216	139	19	a	a	DET
ajbmeb-2216	139	20	distance	distance	NOUN
ajbmeb-2216	139	21	of	of	ADP
ajbmeb-2216	139	22	10	10	NUM
ajbmeb-2216	139	23	cm	cm	NOUN
ajbmeb-2216	139	24	.	.	PUNCT
ajbmeb-2216	140	1	nfc	nfc	NOUN
ajbmeb-2216	140	2	is	be	AUX
ajbmeb-2216	140	3	built	build	VERB
ajbmeb-2216	140	4	on	on	ADP
ajbmeb-2216	140	5	rfid	rfid	ADJ
ajbmeb-2216	140	6	technology	technology	NOUN
ajbmeb-2216	140	7	.	.	PUNCT
ajbmeb-2216	141	1	allow	allow	VERB
ajbmeb-2216	141	2	wireless	wireless	ADJ
ajbmeb-2216	141	3	communication	communication	NOUN
ajbmeb-2216	141	4	and	and	CCONJ
ajbmeb-2216	141	5	data	datum	NOUN
ajbmeb-2216	141	6	exchange	exchange	NOUN
ajbmeb-2216	141	7	between	between	ADP
ajbmeb-2216	141	8	devices	device	NOUN
ajbmeb-2216	141	9	.	.	PUNCT
ajbmeb-2216	142	1	the	the	DET
ajbmeb-2216	142	2	device	device	NOUN
ajbmeb-2216	142	3	is	be	AUX
ajbmeb-2216	142	4	active	active	ADJ
ajbmeb-2216	142	5	or	or	CCONJ
ajbmeb-2216	142	6	passive	passive	ADJ
ajbmeb-2216	142	7	modes	mode	NOUN
ajbmeb-2216	142	8	.	.	PUNCT
ajbmeb-2216	143	1	encryption	encryption	NOUN
ajbmeb-2216	143	2	is	be	AUX
ajbmeb-2216	143	3	used	use	VERB
ajbmeb-2216	143	4	to	to	PART
ajbmeb-2216	143	5	protect	protect	VERB
ajbmeb-2216	143	6	confidential	confidential	ADJ
ajbmeb-2216	143	7	data	datum	NOUN
ajbmeb-2216	143	8	,	,	PUNCT
ajbmeb-2216	143	9	if	if	SCONJ
ajbmeb-2216	143	10	the	the	DET
ajbmeb-2216	143	11	phone	phone	NOUN
ajbmeb-2216	143	12	is	be	AUX
ajbmeb-2216	143	13	lost	lose	VERB
ajbmeb-2216	143	14	or	or	CCONJ
ajbmeb-2216	143	15	stolen	steal	VERB
ajbmeb-2216	143	16	,	,	PUNCT
ajbmeb-2216	143	17	you	you	PRON
ajbmeb-2216	143	18	should	should	AUX
ajbmeb-2216	143	19	use	use	VERB
ajbmeb-2216	143	20	antivirus	antivirus	NOUN
ajbmeb-2216	143	21	and	and	CCONJ
ajbmeb-2216	143	22	phone	phone	NOUN
ajbmeb-2216	143	23	lock	lock	NOUN
ajbmeb-2216	143	24	to	to	PART
ajbmeb-2216	143	25	protect	protect	VERB
ajbmeb-2216	143	26	it	it	PRON
ajbmeb-2216	143	27	.	.	PUNCT
ajbmeb-2216	144	1	nfc	nfc	NOUN
ajbmeb-2216	144	2	technology	technology	NOUN
ajbmeb-2216	144	3	is	be	AUX
ajbmeb-2216	144	4	mainly	mainly	ADV
ajbmeb-2216	144	5	popular	popular	ADJ
ajbmeb-2216	144	6	in	in	ADP
ajbmeb-2216	144	7	american	american	ADJ
ajbmeb-2216	144	8	journal	journal	PROPN
ajbmeb-2216	144	9	of	of	ADP
ajbmeb-2216	144	10	business	business	NOUN
ajbmeb-2216	144	11	management	management	NOUN
ajbmeb-2216	144	12	,	,	PUNCT
ajbmeb-2216	144	13	economics	economic	NOUN
ajbmeb-2216	144	14	and	and	CCONJ
ajbmeb-2216	144	15	banking	banking	NOUN
ajbmeb-2216	144	16	volume	volume	NOUN
ajbmeb-2216	144	17	25	25	NUM
ajbmeb-2216	144	18	june	june	PROPN
ajbmeb-2216	144	19	2024	2024	NUM
ajbmeb-2216	144	20	p	p	NOUN
ajbmeb-2216	144	21	a	a	DET
ajbmeb-2216	144	22	g	g	NOUN
ajbmeb-2216	144	23	e	e	NOUN
ajbmeb-2216	144	24	|	|	ADV
ajbmeb-2216	144	25	76	76	NUM
ajbmeb-2216	144	26	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2216	144	27	europe	europe	PROPN
ajbmeb-2216	144	28	,	,	PUNCT
ajbmeb-2216	144	29	america	america	PROPN
ajbmeb-2216	144	30	and	and	CCONJ
ajbmeb-2216	144	31	asia	asia	PROPN
ajbmeb-2216	144	32	.	.	PUNCT
ajbmeb-2216	145	1	the	the	DET
ajbmeb-2216	145	2	goal	goal	NOUN
ajbmeb-2216	145	3	of	of	ADP
ajbmeb-2216	145	4	nfc	nfc	NOUN
ajbmeb-2216	145	5	is	be	AUX
ajbmeb-2216	145	6	to	to	PART
ajbmeb-2216	145	7	make	make	VERB
ajbmeb-2216	145	8	transaction	transaction	NOUN
ajbmeb-2216	145	9	queues	queue	NOUN
ajbmeb-2216	145	10	shorter	short	ADJ
ajbmeb-2216	145	11	and	and	CCONJ
ajbmeb-2216	145	12	faster	fast	ADV
ajbmeb-2216	145	13	,	,	PUNCT
ajbmeb-2216	145	14	carry	carry	VERB
ajbmeb-2216	145	15	fewer	few	ADJ
ajbmeb-2216	145	16	cards	card	NOUN
ajbmeb-2216	145	17	,	,	PUNCT
ajbmeb-2216	145	18	as	as	SCONJ
ajbmeb-2216	145	19	all	all	PRON
ajbmeb-2216	145	20	you	you	PRON
ajbmeb-2216	145	21	need	need	VERB
ajbmeb-2216	145	22	to	to	PART
ajbmeb-2216	145	23	do	do	VERB
ajbmeb-2216	145	24	is	be	AUX
ajbmeb-2216	145	25	carry	carry	VERB
ajbmeb-2216	145	26	a	a	DET
ajbmeb-2216	145	27	mobile	mobile	ADJ
ajbmeb-2216	145	28	device	device	NOUN
ajbmeb-2216	145	29	for	for	ADP
ajbmeb-2216	145	30	payment	payment	NOUN
ajbmeb-2216	145	31	.	.	PUNCT
ajbmeb-2216	146	1	mobile	mobile	ADJ
ajbmeb-2216	146	2	money	money	NOUN
ajbmeb-2216	146	3	.	.	PUNCT
ajbmeb-2216	147	1	also	also	ADV
ajbmeb-2216	147	2	known	know	VERB
ajbmeb-2216	147	3	as	as	ADP
ajbmeb-2216	147	4	mobile	mobile	ADJ
ajbmeb-2216	147	5	wallet	wallet	NOUN
ajbmeb-2216	147	6	,	,	PUNCT
ajbmeb-2216	147	7	mobile	mobile	ADJ
ajbmeb-2216	147	8	payment	payment	NOUN
ajbmeb-2216	147	9	and	and	CCONJ
ajbmeb-2216	147	10	mobile	mobile	ADJ
ajbmeb-2216	147	11	money	money	NOUN
ajbmeb-2216	147	12	transfer	transfer	NOUN
ajbmeb-2216	147	13	.	.	PUNCT
ajbmeb-2216	148	1	mobile	mobile	ADJ
ajbmeb-2216	148	2	money	money	NOUN
ajbmeb-2216	148	3	service	service	NOUN
ajbmeb-2216	148	4	is	be	AUX
ajbmeb-2216	148	5	used	use	VERB
ajbmeb-2216	148	6	all	all	ADV
ajbmeb-2216	148	7	over	over	ADP
ajbmeb-2216	148	8	the	the	DET
ajbmeb-2216	148	9	world	world	NOUN
ajbmeb-2216	148	10	,	,	PUNCT
ajbmeb-2216	148	11	mostly	mostly	ADV
ajbmeb-2216	148	12	in	in	ADP
ajbmeb-2216	148	13	africa	africa	PROPN
ajbmeb-2216	148	14	for	for	ADP
ajbmeb-2216	148	15	those	those	PRON
ajbmeb-2216	148	16	with	with	ADP
ajbmeb-2216	148	17	or	or	CCONJ
ajbmeb-2216	148	18	without	without	ADP
ajbmeb-2216	148	19	bank	bank	NOUN
ajbmeb-2216	148	20	accounts	account	NOUN
ajbmeb-2216	148	21	.	.	PUNCT
ajbmeb-2216	149	1	the	the	DET
ajbmeb-2216	149	2	service	service	NOUN
ajbmeb-2216	149	3	is	be	AUX
ajbmeb-2216	149	4	provided	provide	VERB
ajbmeb-2216	149	5	by	by	ADP
ajbmeb-2216	149	6	mobile	mobile	ADJ
ajbmeb-2216	149	7	operators	operator	NOUN
ajbmeb-2216	149	8	in	in	ADP
ajbmeb-2216	149	9	cooperation	cooperation	NOUN
ajbmeb-2216	149	10	with	with	ADP
ajbmeb-2216	149	11	commercial	commercial	ADJ
ajbmeb-2216	149	12	banks	bank	NOUN
ajbmeb-2216	149	13	.	.	PUNCT
ajbmeb-2216	150	1	mobile	mobile	ADJ
ajbmeb-2216	150	2	money	money	NOUN
ajbmeb-2216	150	3	accounts	account	NOUN
ajbmeb-2216	150	4	can	can	AUX
ajbmeb-2216	150	5	also	also	ADV
ajbmeb-2216	150	6	be	be	AUX
ajbmeb-2216	150	7	linked	link	VERB
ajbmeb-2216	150	8	to	to	ADP
ajbmeb-2216	150	9	a	a	DET
ajbmeb-2216	150	10	customer	customer	NOUN
ajbmeb-2216	150	11	's	's	PART
ajbmeb-2216	150	12	bank	bank	NOUN
ajbmeb-2216	150	13	account	account	NOUN
ajbmeb-2216	150	14	.	.	PUNCT
ajbmeb-2216	151	1	mobile	mobile	ADJ
ajbmeb-2216	151	2	money	money	NOUN
ajbmeb-2216	151	3	service	service	NOUN
ajbmeb-2216	151	4	is	be	AUX
ajbmeb-2216	151	5	another	another	DET
ajbmeb-2216	151	6	way	way	NOUN
ajbmeb-2216	151	7	of	of	ADP
ajbmeb-2216	151	8	funds	fund	NOUN
ajbmeb-2216	151	9	without	without	ADP
ajbmeb-2216	151	10	the	the	DET
ajbmeb-2216	151	11	hassle	hassle	NOUN
ajbmeb-2216	151	12	of	of	ADP
ajbmeb-2216	151	13	opening	open	VERB
ajbmeb-2216	151	14	a	a	DET
ajbmeb-2216	151	15	bank	bank	NOUN
ajbmeb-2216	151	16	account	account	NOUN
ajbmeb-2216	151	17	.	.	PUNCT
ajbmeb-2216	152	1	the	the	DET
ajbmeb-2216	152	2	money	money	NOUN
ajbmeb-2216	152	3	in	in	ADP
ajbmeb-2216	152	4	the	the	DET
ajbmeb-2216	152	5	virtual	virtual	ADJ
ajbmeb-2216	152	6	"	"	PUNCT
ajbmeb-2216	152	7	wallet	wallet	NOUN
ajbmeb-2216	152	8	"	"	PUNCT
ajbmeb-2216	152	9	can	can	AUX
ajbmeb-2216	152	10	be	be	AUX
ajbmeb-2216	152	11	used	use	VERB
ajbmeb-2216	152	12	to	to	PART
ajbmeb-2216	152	13	pay	pay	VERB
ajbmeb-2216	152	14	for	for	ADP
ajbmeb-2216	152	15	anything	anything	PRON
ajbmeb-2216	152	16	,	,	PUNCT
ajbmeb-2216	152	17	such	such	ADJ
ajbmeb-2216	152	18	as	as	ADP
ajbmeb-2216	152	19	buying	buy	VERB
ajbmeb-2216	152	20	mobile	mobile	ADJ
ajbmeb-2216	152	21	credit	credit	NOUN
ajbmeb-2216	152	22	,	,	PUNCT
ajbmeb-2216	152	23	paying	pay	VERB
ajbmeb-2216	152	24	bills	bill	NOUN
ajbmeb-2216	152	25	,	,	PUNCT
ajbmeb-2216	152	26	and	and	CCONJ
ajbmeb-2216	152	27	specified	specify	VERB
ajbmeb-2216	152	28	products	product	NOUN
ajbmeb-2216	152	29	and	and	CCONJ
ajbmeb-2216	152	30	services	service	NOUN
ajbmeb-2216	152	31	.	.	PUNCT
ajbmeb-2216	153	1	in	in	ADP
ajbmeb-2216	153	2	this	this	DET
ajbmeb-2216	153	3	case	case	NOUN
ajbmeb-2216	153	4	,	,	PUNCT
ajbmeb-2216	153	5	the	the	DET
ajbmeb-2216	153	6	pin	pin	NOUN
ajbmeb-2216	153	7	code	code	NOUN
ajbmeb-2216	153	8	is	be	AUX
ajbmeb-2216	153	9	used	use	VERB
ajbmeb-2216	153	10	to	to	PART
ajbmeb-2216	153	11	verify	verify	VERB
ajbmeb-2216	153	12	the	the	DET
ajbmeb-2216	153	13	transactions	transaction	NOUN
ajbmeb-2216	153	14	.	.	PUNCT
ajbmeb-2216	154	1	based	base	VERB
ajbmeb-2216	154	2	on	on	ADP
ajbmeb-2216	154	3	the	the	DET
ajbmeb-2216	154	4	analysis	analysis	NOUN
ajbmeb-2216	154	5	and	and	CCONJ
ajbmeb-2216	154	6	research	research	NOUN
ajbmeb-2216	154	7	,	,	PUNCT
ajbmeb-2216	154	8	the	the	DET
ajbmeb-2216	154	9	specific	specific	ADJ
ajbmeb-2216	154	10	characteristics	characteristic	NOUN
ajbmeb-2216	154	11	of	of	ADP
ajbmeb-2216	154	12	banking	banking	NOUN
ajbmeb-2216	154	13	technologies	technology	NOUN
ajbmeb-2216	154	14	and	and	CCONJ
ajbmeb-2216	154	15	the	the	DET
ajbmeb-2216	154	16	factors	factor	NOUN
ajbmeb-2216	154	17	influencing	influence	VERB
ajbmeb-2216	154	18	its	its	PRON
ajbmeb-2216	154	19	improvement	improvement	NOUN
ajbmeb-2216	154	20	can	can	AUX
ajbmeb-2216	154	21	be	be	AUX
ajbmeb-2216	154	22	expressed	express	VERB
ajbmeb-2216	154	23	as	as	SCONJ
ajbmeb-2216	154	24	follows	follow	VERB
ajbmeb-2216	154	25	(	(	PUNCT
ajbmeb-2216	154	26	table	table	NOUN
ajbmeb-2216	154	27	1	1	NUM
ajbmeb-2216	154	28	)	)	PUNCT
ajbmeb-2216	154	29	.	.	PUNCT
ajbmeb-2216	155	1	table	table	NOUN
ajbmeb-2216	155	2	1	1	NUM
ajbmeb-2216	155	3	specific	specific	ADJ
ajbmeb-2216	155	4	characteristics	characteristic	NOUN
ajbmeb-2216	155	5	of	of	ADP
ajbmeb-2216	155	6	banking	banking	NOUN
ajbmeb-2216	155	7	technologies	technology	NOUN
ajbmeb-2216	155	8	and	and	CCONJ
ajbmeb-2216	155	9	factors	factor	NOUN
ajbmeb-2216	155	10	influencing	influence	VERB
ajbmeb-2216	155	11	its	its	PRON
ajbmeb-2216	155	12	improvement1	improvement1	NOUN
ajbmeb-2216	155	13	features	feature	VERB
ajbmeb-2216	155	14	factors	factor	NOUN
ajbmeb-2216	155	15	determines	determine	VERB
ajbmeb-2216	155	16	the	the	DET
ajbmeb-2216	155	17	level	level	NOUN
ajbmeb-2216	155	18	of	of	ADP
ajbmeb-2216	155	19	banks	bank	NOUN
ajbmeb-2216	155	20	;	;	PUNCT
ajbmeb-2216	155	21	ensures	ensure	VERB
ajbmeb-2216	155	22	competitiveness	competitiveness	NOUN
ajbmeb-2216	155	23	;	;	PUNCT
ajbmeb-2216	155	24	enables	enable	VERB
ajbmeb-2216	155	25	optimization	optimization	NOUN
ajbmeb-2216	155	26	and	and	CCONJ
ajbmeb-2216	155	27	digitization	digitization	NOUN
ajbmeb-2216	155	28	of	of	ADP
ajbmeb-2216	155	29	activities	activity	NOUN
ajbmeb-2216	155	30	;	;	PUNCT
ajbmeb-2216	155	31	reduces	reduce	VERB
ajbmeb-2216	155	32	costs	cost	NOUN
ajbmeb-2216	155	33	;	;	PUNCT
ajbmeb-2216	155	34	increases	increase	VERB
ajbmeb-2216	155	35	profitability	profitability	NOUN
ajbmeb-2216	155	36	.	.	PUNCT
ajbmeb-2216	156	1	science	science	NOUN
ajbmeb-2216	156	2	and	and	CCONJ
ajbmeb-2216	156	3	technology	technology	NOUN
ajbmeb-2216	156	4	development	development	NOUN
ajbmeb-2216	156	5	;	;	PUNCT
ajbmeb-2216	156	6	improvement	improvement	NOUN
ajbmeb-2216	156	7	of	of	ADP
ajbmeb-2216	156	8	software	software	NOUN
ajbmeb-2216	156	9	;	;	PUNCT
ajbmeb-2216	156	10	level	level	NOUN
ajbmeb-2216	156	11	and	and	CCONJ
ajbmeb-2216	156	12	base	base	NOUN
ajbmeb-2216	156	13	of	of	ADP
ajbmeb-2216	156	14	technical	technical	ADJ
ajbmeb-2216	156	15	support	support	NOUN
ajbmeb-2216	156	16	of	of	ADP
ajbmeb-2216	156	17	banks	bank	NOUN
ajbmeb-2216	156	18	;	;	PUNCT
ajbmeb-2216	156	19	scientific	scientific	ADJ
ajbmeb-2216	156	20	and	and	CCONJ
ajbmeb-2216	156	21	practical	practical	ADJ
ajbmeb-2216	156	22	potential	potential	NOUN
ajbmeb-2216	156	23	of	of	ADP
ajbmeb-2216	156	24	employees	employee	NOUN
ajbmeb-2216	156	25	;	;	PUNCT
ajbmeb-2216	156	26	level	level	NOUN
ajbmeb-2216	156	27	of	of	ADP
ajbmeb-2216	156	28	development	development	NOUN
ajbmeb-2216	156	29	of	of	ADP
ajbmeb-2216	156	30	the	the	DET
ajbmeb-2216	156	31	area	area	NOUN
ajbmeb-2216	156	32	.	.	PUNCT
ajbmeb-2216	157	1	in	in	ADP
ajbmeb-2216	157	2	order	order	NOUN
ajbmeb-2216	157	3	to	to	PART
ajbmeb-2216	157	4	succeed	succeed	VERB
ajbmeb-2216	157	5	in	in	ADP
ajbmeb-2216	157	6	today	today	NOUN
ajbmeb-2216	157	7	's	's	PART
ajbmeb-2216	157	8	complex	complex	ADJ
ajbmeb-2216	157	9	and	and	CCONJ
ajbmeb-2216	157	10	rapidly	rapidly	ADV
ajbmeb-2216	157	11	changing	change	VERB
ajbmeb-2216	157	12	conditions	condition	NOUN
ajbmeb-2216	157	13	,	,	PUNCT
ajbmeb-2216	157	14	it	it	PRON
ajbmeb-2216	157	15	is	be	AUX
ajbmeb-2216	157	16	desirable	desirable	ADJ
ajbmeb-2216	157	17	to	to	PART
ajbmeb-2216	157	18	form	form	VERB
ajbmeb-2216	157	19	a	a	DET
ajbmeb-2216	157	20	group	group	NOUN
ajbmeb-2216	157	21	of	of	ADP
ajbmeb-2216	157	22	"	"	PUNCT
ajbmeb-2216	157	23	it	it	PRON
ajbmeb-2216	157	24	managers	manager	VERB
ajbmeb-2216	157	25	"	"	PUNCT
ajbmeb-2216	157	26	and	and	CCONJ
ajbmeb-2216	157	27	organize	organize	VERB
ajbmeb-2216	157	28	their	their	PRON
ajbmeb-2216	157	29	effective	effective	ADJ
ajbmeb-2216	157	30	use	use	NOUN
ajbmeb-2216	157	31	.	.	PUNCT
ajbmeb-2216	158	1	in	in	ADP
ajbmeb-2216	158	2	addition	addition	NOUN
ajbmeb-2216	158	3	,	,	PUNCT
ajbmeb-2216	158	4	the	the	DET
ajbmeb-2216	158	5	following	follow	VERB
ajbmeb-2216	158	6	priorities	priority	NOUN
ajbmeb-2216	158	7	should	should	AUX
ajbmeb-2216	158	8	be	be	AUX
ajbmeb-2216	158	9	taken	take	VERB
ajbmeb-2216	158	10	into	into	ADP
ajbmeb-2216	158	11	account	account	NOUN
ajbmeb-2216	158	12	when	when	SCONJ
ajbmeb-2216	158	13	developing	develop	VERB
ajbmeb-2216	158	14	sustainable	sustainable	ADJ
ajbmeb-2216	158	15	development	development	NOUN
ajbmeb-2216	158	16	strategies	strategy	NOUN
ajbmeb-2216	158	17	:	:	PUNCT
ajbmeb-2216	158	18	update	update	NOUN
ajbmeb-2216	158	19	of	of	ADP
ajbmeb-2216	158	20	"	"	PUNCT
ajbmeb-2216	158	21	it	it	PRON
ajbmeb-2216	158	22	operation	operation	NOUN
ajbmeb-2216	158	23	"	"	PUNCT
ajbmeb-2216	158	24	models	model	NOUN
ajbmeb-2216	158	25	to	to	PART
ajbmeb-2216	158	26	be	be	AUX
ajbmeb-2216	158	27	ready	ready	ADJ
ajbmeb-2216	158	28	for	for	ADP
ajbmeb-2216	158	29	new	new	ADJ
ajbmeb-2216	158	30	competitive	competitive	ADJ
ajbmeb-2216	158	31	conditions	condition	NOUN
ajbmeb-2216	158	32	;	;	PUNCT
ajbmeb-2216	158	33	reduction	reduction	NOUN
ajbmeb-2216	158	34	of	of	ADP
ajbmeb-2216	158	35	costs	cost	NOUN
ajbmeb-2216	158	36	through	through	ADP
ajbmeb-2216	158	37	simplification	simplification	NOUN
ajbmeb-2216	158	38	and	and	CCONJ
ajbmeb-2216	158	39	robotization	robotization	NOUN
ajbmeb-2216	158	40	of	of	ADP
ajbmeb-2216	158	41	the	the	DET
ajbmeb-2216	158	42	activity	activity	NOUN
ajbmeb-2216	158	43	system	system	NOUN
ajbmeb-2216	158	44	;	;	PUNCT
ajbmeb-2216	158	45	creation	creation	NOUN
ajbmeb-2216	158	46	and	and	CCONJ
ajbmeb-2216	158	47	use	use	NOUN
ajbmeb-2216	158	48	of	of	ADP
ajbmeb-2216	158	49	technological	technological	ADJ
ajbmeb-2216	158	50	opportunities	opportunity	NOUN
ajbmeb-2216	158	51	to	to	PART
ajbmeb-2216	158	52	optimize	optimize	VERB
ajbmeb-2216	158	53	offers	offer	NOUN
ajbmeb-2216	158	54	by	by	ADP
ajbmeb-2216	158	55	studying	study	VERB
ajbmeb-2216	158	56	and	and	CCONJ
ajbmeb-2216	158	57	analyzing	analyze	VERB
ajbmeb-2216	158	58	customer	customer	NOUN
ajbmeb-2216	158	59	needs	need	NOUN
ajbmeb-2216	158	60	;	;	PUNCT
ajbmeb-2216	158	61	making	make	VERB
ajbmeb-2216	158	62	the	the	DET
ajbmeb-2216	158	63	website	website	NOUN
ajbmeb-2216	158	64	and	and	CCONJ
ajbmeb-2216	158	65	mobile	mobile	ADJ
ajbmeb-2216	158	66	applications	application	NOUN
ajbmeb-2216	158	67	ready	ready	ADJ
ajbmeb-2216	158	68	for	for	ADP
ajbmeb-2216	158	69	seamless	seamless	ADJ
ajbmeb-2216	158	70	connection	connection	NOUN
ajbmeb-2216	158	71	with	with	ADP
ajbmeb-2216	158	72	the	the	DET
ajbmeb-2216	158	73	internet	internet	NOUN
ajbmeb-2216	158	74	and	and	CCONJ
ajbmeb-2216	158	75	various	various	ADJ
ajbmeb-2216	158	76	servers	server	NOUN
ajbmeb-2216	158	77	in	in	ADP
ajbmeb-2216	158	78	any	any	DET
ajbmeb-2216	158	79	case	case	NOUN
ajbmeb-2216	158	80	and	and	CCONJ
ajbmeb-2216	158	81	everywhere	everywhere	ADV
ajbmeb-2216	158	82	;	;	PUNCT
ajbmeb-2216	158	83	pay	pay	VERB
ajbmeb-2216	158	84	serious	serious	ADJ
ajbmeb-2216	158	85	attention	attention	NOUN
ajbmeb-2216	158	86	to	to	ADP
ajbmeb-2216	158	87	cyber	cyber	NOUN
ajbmeb-2216	158	88	-	-	PUNCT
ajbmeb-2216	158	89	security	security	NOUN
ajbmeb-2216	158	90	,	,	PUNCT
ajbmeb-2216	158	91	but	but	CCONJ
ajbmeb-2216	158	92	it	it	PRON
ajbmeb-2216	158	93	should	should	AUX
ajbmeb-2216	158	94	not	not	PART
ajbmeb-2216	158	95	take	take	VERB
ajbmeb-2216	158	96	up	up	ADP
ajbmeb-2216	158	97	too	too	ADV
ajbmeb-2216	158	98	much	much	ADJ
ajbmeb-2216	158	99	time	time	NOUN
ajbmeb-2216	158	100	of	of	ADP
ajbmeb-2216	158	101	users	user	NOUN
ajbmeb-2216	158	102	and	and	CCONJ
ajbmeb-2216	158	103	should	should	AUX
ajbmeb-2216	158	104	not	not	PART
ajbmeb-2216	158	105	cause	cause	VERB
ajbmeb-2216	158	106	inconvenience	inconvenience	NOUN
ajbmeb-2216	158	107	;	;	PUNCT
ajbmeb-2216	158	108	paying	pay	VERB
ajbmeb-2216	158	109	great	great	ADJ
ajbmeb-2216	158	110	attention	attention	NOUN
ajbmeb-2216	158	111	to	to	ADP
ajbmeb-2216	158	112	the	the	DET
ajbmeb-2216	158	113	continuous	continuous	ADJ
ajbmeb-2216	158	114	improvement	improvement	NOUN
ajbmeb-2216	158	115	of	of	ADP
ajbmeb-2216	158	116	the	the	DET
ajbmeb-2216	158	117	abilities	ability	NOUN
ajbmeb-2216	158	118	and	and	CCONJ
ajbmeb-2216	158	119	skills	skill	NOUN
ajbmeb-2216	158	120	of	of	ADP
ajbmeb-2216	158	121	employees	employee	NOUN
ajbmeb-2216	158	122	and	and	CCONJ
ajbmeb-2216	158	123	using	use	VERB
ajbmeb-2216	158	124	models	model	NOUN
ajbmeb-2216	158	125	of	of	ADP
ajbmeb-2216	158	126	achieving	achieve	VERB
ajbmeb-2216	158	127	this	this	PRON
ajbmeb-2216	158	128	that	that	PRON
ajbmeb-2216	158	129	do	do	AUX
ajbmeb-2216	158	130	not	not	PART
ajbmeb-2216	158	131	have	have	VERB
ajbmeb-2216	158	132	a	a	DET
ajbmeb-2216	158	133	negative	negative	ADJ
ajbmeb-2216	158	134	impact	impact	NOUN
ajbmeb-2216	158	135	on	on	ADP
ajbmeb-2216	158	136	work	work	NOUN
ajbmeb-2216	158	137	activities	activity	NOUN
ajbmeb-2216	158	138	.	.	PUNCT
ajbmeb-2216	159	1	the	the	DET
ajbmeb-2216	159	2	digital	digital	ADJ
ajbmeb-2216	159	3	banking	banking	NOUN
ajbmeb-2216	159	4	system	system	NOUN
ajbmeb-2216	159	5	consists	consist	VERB
ajbmeb-2216	159	6	of	of	ADP
ajbmeb-2216	159	7	several	several	ADJ
ajbmeb-2216	159	8	organizational	organizational	ADJ
ajbmeb-2216	159	9	elements	element	NOUN
ajbmeb-2216	159	10	,	,	PUNCT
ajbmeb-2216	159	11	and	and	CCONJ
ajbmeb-2216	159	12	for	for	ADP
ajbmeb-2216	159	13	the	the	DET
ajbmeb-2216	159	14	development	development	NOUN
ajbmeb-2216	159	15	of	of	ADP
ajbmeb-2216	159	16	this	this	DET
ajbmeb-2216	159	17	activity	activity	NOUN
ajbmeb-2216	159	18	,	,	PUNCT
ajbmeb-2216	159	19	from	from	ADP
ajbmeb-2216	159	20	an	an	DET
ajbmeb-2216	159	21	organizational	organizational	ADJ
ajbmeb-2216	159	22	point	point	NOUN
ajbmeb-2216	159	23	of	of	ADP
ajbmeb-2216	159	24	view	view	NOUN
ajbmeb-2216	159	25	,	,	PUNCT
ajbmeb-2216	159	26	these	these	DET
ajbmeb-2216	159	27	elements	element	NOUN
ajbmeb-2216	159	28	simultaneously	simultaneously	ADV
ajbmeb-2216	159	29	play	play	VERB
ajbmeb-2216	159	30	a	a	DET
ajbmeb-2216	159	31	role	role	NOUN
ajbmeb-2216	159	32	as	as	ADP
ajbmeb-2216	159	33	influencing	influence	VERB
ajbmeb-2216	159	34	factors	factor	NOUN
ajbmeb-2216	159	35	:	:	PUNCT
ajbmeb-2216	159	36	1	1	NUM
ajbmeb-2216	159	37	compiled	compile	VERB
ajbmeb-2216	159	38	by	by	ADP
ajbmeb-2216	159	39	the	the	DET
ajbmeb-2216	159	40	author	author	NOUN
ajbmeb-2216	159	41	.	.	PUNCT
ajbmeb-2216	160	1	american	american	PROPN
ajbmeb-2216	160	2	journal	journal	PROPN
ajbmeb-2216	160	3	of	of	ADP
ajbmeb-2216	160	4	business	business	NOUN
ajbmeb-2216	160	5	management	management	NOUN
ajbmeb-2216	160	6	,	,	PUNCT
ajbmeb-2216	160	7	economics	economic	NOUN
ajbmeb-2216	160	8	and	and	CCONJ
ajbmeb-2216	160	9	banking	banking	NOUN
ajbmeb-2216	160	10	volume	volume	NOUN
ajbmeb-2216	160	11	25	25	NUM
ajbmeb-2216	160	12	june	june	PROPN
ajbmeb-2216	160	13	2024	2024	NUM
ajbmeb-2216	160	14	p	p	NOUN
ajbmeb-2216	160	15	a	a	DET
ajbmeb-2216	160	16	g	g	NOUN
ajbmeb-2216	160	17	e	e	NOUN
ajbmeb-2216	160	18	|	|	ADV
ajbmeb-2216	160	19	77	77	NUM
ajbmeb-2216	160	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2216	160	21	stage	stage	NOUN
ajbmeb-2216	160	22	1	1	NUM
ajbmeb-2216	160	23	–	–	PUNCT
ajbmeb-2216	160	24	strategy	strategy	NOUN
ajbmeb-2216	160	25	;	;	PUNCT
ajbmeb-2216	160	26	phase	phase	NOUN
ajbmeb-2216	160	27	2	2	NUM
ajbmeb-2216	160	28	–	–	PUNCT
ajbmeb-2216	160	29	fintech	fintech	NOUN
ajbmeb-2216	160	30	and	and	CCONJ
ajbmeb-2216	160	31	banking	banking	NOUN
ajbmeb-2216	160	32	api	api	NOUN
ajbmeb-2216	160	33	;	;	PUNCT
ajbmeb-2216	160	34	stage	stage	NOUN
ajbmeb-2216	160	35	3	3	NUM
ajbmeb-2216	160	36	–	–	PUNCT
ajbmeb-2216	160	37	experience	experience	NOUN
ajbmeb-2216	160	38	in	in	ADP
ajbmeb-2216	160	39	it	it	PRON
ajbmeb-2216	160	40	;	;	PUNCT
ajbmeb-2216	160	41	stage	stage	NOUN
ajbmeb-2216	160	42	4	4	NUM
ajbmeb-2216	160	43	–	–	PUNCT
ajbmeb-2216	160	44	security	security	NOUN
ajbmeb-2216	160	45	and	and	CCONJ
ajbmeb-2216	160	46	internal	internal	ADJ
ajbmeb-2216	160	47	control	control	NOUN
ajbmeb-2216	160	48	;	;	PUNCT
ajbmeb-2216	160	49	stage	stage	NOUN
ajbmeb-2216	160	50	5	5	NUM
ajbmeb-2216	160	51	management	management	NOUN
ajbmeb-2216	160	52	and	and	CCONJ
ajbmeb-2216	160	53	marketing	marketing	NOUN
ajbmeb-2216	160	54	.	.	PUNCT
ajbmeb-2216	161	1	in	in	ADP
ajbmeb-2216	161	2	general	general	ADJ
ajbmeb-2216	161	3	,	,	PUNCT
ajbmeb-2216	161	4	currently	currently	ADV
ajbmeb-2216	161	5	operating	operate	VERB
ajbmeb-2216	161	6	banks	bank	NOUN
ajbmeb-2216	161	7	can	can	AUX
ajbmeb-2216	161	8	be	be	AUX
ajbmeb-2216	161	9	organizationally	organizationally	ADV
ajbmeb-2216	161	10	divided	divide	VERB
ajbmeb-2216	161	11	into	into	ADP
ajbmeb-2216	161	12	3	3	NUM
ajbmeb-2216	161	13	groups	group	NOUN
ajbmeb-2216	161	14	:	:	PUNCT
ajbmeb-2216	161	15	1	1	X
ajbmeb-2216	161	16	.	.	X
ajbmeb-2216	161	17	traditional	traditional	ADJ
ajbmeb-2216	161	18	banks	bank	NOUN
ajbmeb-2216	161	19	;	;	PUNCT
ajbmeb-2216	161	20	2	2	X
ajbmeb-2216	161	21	.	.	X
ajbmeb-2216	161	22	digital	digital	ADJ
ajbmeb-2216	161	23	banks	bank	NOUN
ajbmeb-2216	161	24	;	;	PUNCT
ajbmeb-2216	161	25	3	3	X
ajbmeb-2216	161	26	.	.	NOUN
ajbmeb-2216	161	27	mixed	mixed	ADJ
ajbmeb-2216	161	28	(	(	PUNCT
ajbmeb-2216	161	29	hybrid	hybrid	NOUN
ajbmeb-2216	161	30	)	)	PUNCT
ajbmeb-2216	161	31	banks	bank	NOUN
ajbmeb-2216	161	32	.	.	PUNCT
ajbmeb-2216	162	1	no	no	ADV
ajbmeb-2216	162	2	matter	matter	ADV
ajbmeb-2216	162	3	which	which	DET
ajbmeb-2216	162	4	direction	direction	NOUN
ajbmeb-2216	162	5	banks	bank	NOUN
ajbmeb-2216	162	6	operate	operate	VERB
ajbmeb-2216	162	7	in	in	ADP
ajbmeb-2216	162	8	these	these	DET
ajbmeb-2216	162	9	groups	group	NOUN
ajbmeb-2216	162	10	,	,	PUNCT
ajbmeb-2216	162	11	especially	especially	ADV
ajbmeb-2216	162	12	in	in	ADP
ajbmeb-2216	162	13	digital	digital	ADJ
ajbmeb-2216	162	14	and	and	CCONJ
ajbmeb-2216	162	15	hybrid	hybrid	ADJ
ajbmeb-2216	162	16	banks	bank	NOUN
ajbmeb-2216	162	17	,	,	PUNCT
ajbmeb-2216	162	18	the	the	DET
ajbmeb-2216	162	19	banking	banking	NOUN
ajbmeb-2216	162	20	technologies	technology	NOUN
ajbmeb-2216	162	21	used	use	VERB
ajbmeb-2216	162	22	include	include	VERB
ajbmeb-2216	162	23	a	a	DET
ajbmeb-2216	162	24	number	number	NOUN
ajbmeb-2216	162	25	of	of	ADP
ajbmeb-2216	162	26	common	common	ADJ
ajbmeb-2216	162	27	components	component	NOUN
ajbmeb-2216	162	28	or	or	CCONJ
ajbmeb-2216	162	29	processes	process	NOUN
ajbmeb-2216	162	30	,	,	PUNCT
ajbmeb-2216	162	31	and	and	CCONJ
ajbmeb-2216	162	32	this	this	DET
ajbmeb-2216	162	33	relationship	relationship	NOUN
ajbmeb-2216	162	34	can	can	AUX
ajbmeb-2216	162	35	be	be	AUX
ajbmeb-2216	162	36	expressed	express	VERB
ajbmeb-2216	162	37	as	as	SCONJ
ajbmeb-2216	162	38	follows	follow	VERB
ajbmeb-2216	162	39	(	(	PUNCT
ajbmeb-2216	162	40	figure	figure	NOUN
ajbmeb-2216	162	41	1	1	NUM
ajbmeb-2216	162	42	)	)	PUNCT
ajbmeb-2216	162	43	.	.	PUNCT
ajbmeb-2216	163	1	figure	figure	NOUN
ajbmeb-2216	163	2	1	1	NUM
ajbmeb-2216	163	3	.	.	PUNCT
ajbmeb-2216	163	4	banking	banking	NOUN
ajbmeb-2216	163	5	technology	technology	NOUN
ajbmeb-2216	163	6	components2	components2	NOUN
ajbmeb-2216	164	1	these	these	DET
ajbmeb-2216	164	2	components	component	NOUN
ajbmeb-2216	164	3	work	work	VERB
ajbmeb-2216	164	4	together	together	ADV
ajbmeb-2216	164	5	to	to	PART
ajbmeb-2216	164	6	provide	provide	VERB
ajbmeb-2216	164	7	digital	digital	ADJ
ajbmeb-2216	164	8	banking	banking	NOUN
ajbmeb-2216	164	9	services	service	NOUN
ajbmeb-2216	164	10	.	.	PUNCT
ajbmeb-2216	165	1	each	each	DET
ajbmeb-2216	165	2	component	component	NOUN
ajbmeb-2216	165	3	is	be	AUX
ajbmeb-2216	165	4	important	important	ADJ
ajbmeb-2216	165	5	as	as	ADP
ajbmeb-2216	165	6	a	a	DET
ajbmeb-2216	165	7	key	key	ADJ
ajbmeb-2216	165	8	factor	factor	NOUN
ajbmeb-2216	165	9	in	in	ADP
ajbmeb-2216	165	10	the	the	DET
ajbmeb-2216	165	11	systemic	systemic	ADJ
ajbmeb-2216	165	12	functioning	functioning	NOUN
ajbmeb-2216	165	13	of	of	ADP
ajbmeb-2216	165	14	the	the	DET
ajbmeb-2216	165	15	bank	bank	NOUN
ajbmeb-2216	165	16	.	.	PUNCT
ajbmeb-2216	166	1	conclusions	conclusion	NOUN
ajbmeb-2216	166	2	based	base	VERB
ajbmeb-2216	166	3	on	on	ADP
ajbmeb-2216	166	4	the	the	DET
ajbmeb-2216	166	5	research	research	NOUN
ajbmeb-2216	166	6	,	,	PUNCT
ajbmeb-2216	166	7	it	it	PRON
ajbmeb-2216	166	8	is	be	AUX
ajbmeb-2216	166	9	appropriate	appropriate	ADJ
ajbmeb-2216	166	10	to	to	PART
ajbmeb-2216	166	11	take	take	VERB
ajbmeb-2216	166	12	into	into	ADP
ajbmeb-2216	166	13	account	account	NOUN
ajbmeb-2216	166	14	the	the	DET
ajbmeb-2216	166	15	following	following	NOUN
ajbmeb-2216	166	16	when	when	SCONJ
ajbmeb-2216	166	17	using	use	VERB
ajbmeb-2216	166	18	banking	banking	NOUN
ajbmeb-2216	166	19	technologies	technology	NOUN
ajbmeb-2216	166	20	effectively	effectively	ADV
ajbmeb-2216	166	21	and	and	CCONJ
ajbmeb-2216	166	22	increasing	increase	VERB
ajbmeb-2216	166	23	their	their	PRON
ajbmeb-2216	166	24	effectiveness	effectiveness	NOUN
ajbmeb-2216	166	25	:	:	PUNCT
ajbmeb-2216	166	26	development	development	NOUN
ajbmeb-2216	166	27	of	of	ADP
ajbmeb-2216	166	28	an	an	DET
ajbmeb-2216	166	29	addressable	addressable	ADJ
ajbmeb-2216	166	30	program	program	NOUN
ajbmeb-2216	166	31	of	of	ADP
ajbmeb-2216	166	32	the	the	DET
ajbmeb-2216	166	33	central	central	ADJ
ajbmeb-2216	166	34	bank	bank	NOUN
ajbmeb-2216	166	35	to	to	PART
ajbmeb-2216	166	36	attract	attract	VERB
ajbmeb-2216	166	37	innovative	innovative	ADJ
ajbmeb-2216	166	38	digital	digital	ADJ
ajbmeb-2216	166	39	technologies	technology	NOUN
ajbmeb-2216	166	40	to	to	ADP
ajbmeb-2216	166	41	the	the	DET
ajbmeb-2216	166	42	banking	banking	NOUN
ajbmeb-2216	166	43	system	system	NOUN
ajbmeb-2216	166	44	in	in	ADP
ajbmeb-2216	166	45	order	order	NOUN
ajbmeb-2216	166	46	to	to	PART
ajbmeb-2216	166	47	further	far	ADV
ajbmeb-2216	166	48	increase	increase	VERB
ajbmeb-2216	166	49	the	the	DET
ajbmeb-2216	166	50	popularity	popularity	NOUN
ajbmeb-2216	166	51	of	of	ADP
ajbmeb-2216	166	52	banking	banking	NOUN
ajbmeb-2216	166	53	services	service	NOUN
ajbmeb-2216	166	54	,	,	PUNCT
ajbmeb-2216	166	55	to	to	PART
ajbmeb-2216	166	56	expand	expand	VERB
ajbmeb-2216	166	57	the	the	DET
ajbmeb-2216	166	58	quality	quality	NOUN
ajbmeb-2216	166	59	and	and	CCONJ
ajbmeb-2216	166	60	weight	weight	NOUN
ajbmeb-2216	166	61	of	of	ADP
ajbmeb-2216	166	62	the	the	DET
ajbmeb-2216	166	63	digital	digital	ADJ
ajbmeb-2216	166	64	services	service	NOUN
ajbmeb-2216	166	65	provided	provide	VERB
ajbmeb-2216	166	66	;	;	PUNCT
ajbmeb-2216	166	67	carrying	carry	VERB
ajbmeb-2216	166	68	out	out	ADP
ajbmeb-2216	166	69	special	special	ADJ
ajbmeb-2216	166	70	rating	rating	NOUN
ajbmeb-2216	166	71	and	and	CCONJ
ajbmeb-2216	166	72	promotion	promotion	NOUN
ajbmeb-2216	166	73	work	work	NOUN
ajbmeb-2216	166	74	by	by	ADP
ajbmeb-2216	166	75	the	the	DET
ajbmeb-2216	166	76	bank	bank	PROPN
ajbmeb-2216	166	77	association	association	NOUN
ajbmeb-2216	166	78	on	on	ADP
ajbmeb-2216	166	79	the	the	DET
ajbmeb-2216	166	80	level	level	NOUN
ajbmeb-2216	166	81	of	of	ADP
ajbmeb-2216	166	82	use	use	NOUN
ajbmeb-2216	166	83	of	of	ADP
ajbmeb-2216	166	84	innovative	innovative	ADJ
ajbmeb-2216	166	85	technologies	technology	NOUN
ajbmeb-2216	166	86	by	by	ADP
ajbmeb-2216	166	87	banks	bank	NOUN
ajbmeb-2216	166	88	;	;	PUNCT
ajbmeb-2216	166	89	developing	develop	VERB
ajbmeb-2216	166	90	a	a	DET
ajbmeb-2216	166	91	rating	rating	NOUN
ajbmeb-2216	166	92	of	of	ADP
ajbmeb-2216	166	93	innovative	innovative	ADJ
ajbmeb-2216	166	94	projects	project	NOUN
ajbmeb-2216	166	95	created	create	VERB
ajbmeb-2216	166	96	by	by	ADP
ajbmeb-2216	166	97	it	it	PRON
ajbmeb-2216	166	98	companies	company	NOUN
ajbmeb-2216	166	99	implementing	implement	VERB
ajbmeb-2216	166	100	bank	bank	NOUN
ajbmeb-2216	166	101	software	software	NOUN
ajbmeb-2216	166	102	and	and	CCONJ
ajbmeb-2216	166	103	creating	create	VERB
ajbmeb-2216	166	104	a	a	DET
ajbmeb-2216	166	105	pure	pure	ADJ
ajbmeb-2216	166	106	competitive	competitive	ADJ
ajbmeb-2216	166	107	environment	environment	NOUN
ajbmeb-2216	166	108	;	;	PUNCT
ajbmeb-2216	166	109	2	2	NUM
ajbmeb-2216	166	110	compiled	compile	VERB
ajbmeb-2216	166	111	by	by	ADP
ajbmeb-2216	166	112	the	the	DET
ajbmeb-2216	166	113	author	author	NOUN
ajbmeb-2216	166	114	.	.	PUNCT
ajbmeb-2216	167	1	banking	banking	NOUN
ajbmeb-2216	167	2	technology	technology	NOUN
ajbmeb-2216	167	3	components	component	NOUN
ajbmeb-2216	167	4	website	website	NOUN
ajbmeb-2216	167	5	design	design	NOUN
ajbmeb-2216	167	6	identity	identity	NOUN
ajbmeb-2216	167	7	and	and	CCONJ
ajbmeb-2216	167	8	security	security	NOUN
ajbmeb-2216	167	9	management	management	NOUN
ajbmeb-2216	167	10	automated	automate	VERB
ajbmeb-2216	167	11	decision	decision	NOUN
ajbmeb-2216	167	12	support	support	NOUN
ajbmeb-2216	167	13	system	system	NOUN
ajbmeb-2216	167	14	services	service	NOUN
ajbmeb-2216	167	15	electronic	electronic	ADJ
ajbmeb-2216	167	16	commerce	commerce	NOUN
ajbmeb-2216	167	17	software	software	NOUN
ajbmeb-2216	167	18	external	external	ADJ
ajbmeb-2216	167	19	service	service	NOUN
ajbmeb-2216	167	20	internal	internal	ADJ
ajbmeb-2216	167	21	service	service	NOUN
ajbmeb-2216	167	22	programming	programming	NOUN
ajbmeb-2216	167	23	support	support	NOUN
ajbmeb-2216	167	24	system	system	NOUN
ajbmeb-2216	167	25	internet	internet	NOUN
ajbmeb-2216	167	26	provider	provider	NOUN
ajbmeb-2216	167	27	american	american	ADJ
ajbmeb-2216	167	28	journal	journal	PROPN
ajbmeb-2216	167	29	of	of	ADP
ajbmeb-2216	167	30	business	business	NOUN
ajbmeb-2216	167	31	management	management	NOUN
ajbmeb-2216	167	32	,	,	PUNCT
ajbmeb-2216	167	33	economics	economic	NOUN
ajbmeb-2216	167	34	and	and	CCONJ
ajbmeb-2216	167	35	banking	banking	NOUN
ajbmeb-2216	167	36	volume	volume	NOUN
ajbmeb-2216	167	37	25	25	NUM
ajbmeb-2216	167	38	june	june	PROPN
ajbmeb-2216	167	39	2024	2024	NUM
ajbmeb-2216	167	40	p	p	NOUN
ajbmeb-2216	167	41	a	a	DET
ajbmeb-2216	167	42	g	g	NOUN
ajbmeb-2216	167	43	e	e	NOUN
ajbmeb-2216	167	44	|	|	ADV
ajbmeb-2216	167	45	78	78	NUM
ajbmeb-2216	167	46	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2216	167	47	widespread	widespread	ADJ
ajbmeb-2216	167	48	use	use	NOUN
ajbmeb-2216	167	49	of	of	ADP
ajbmeb-2216	167	50	biometric	biometric	ADJ
ajbmeb-2216	167	51	technologies	technology	NOUN
ajbmeb-2216	167	52	in	in	ADP
ajbmeb-2216	167	53	practice	practice	NOUN
ajbmeb-2216	167	54	for	for	ADP
ajbmeb-2216	167	55	the	the	DET
ajbmeb-2216	167	56	purpose	purpose	NOUN
ajbmeb-2216	167	57	of	of	ADP
ajbmeb-2216	167	58	identification	identification	NOUN
ajbmeb-2216	167	59	of	of	ADP
ajbmeb-2216	167	60	customers	customer	NOUN
ajbmeb-2216	167	61	in	in	ADP
ajbmeb-2216	167	62	the	the	DET
ajbmeb-2216	167	63	provision	provision	NOUN
ajbmeb-2216	167	64	of	of	ADP
ajbmeb-2216	167	65	bank	bank	PROPN
ajbmeb-2216	167	66	digital	digital	ADJ
ajbmeb-2216	167	67	services	service	NOUN
ajbmeb-2216	167	68	;	;	PUNCT
ajbmeb-2216	167	69	reduction	reduction	NOUN
ajbmeb-2216	167	70	of	of	ADP
ajbmeb-2216	167	71	bank	bank	NOUN
ajbmeb-2216	167	72	costs	cost	NOUN
ajbmeb-2216	167	73	by	by	ADP
ajbmeb-2216	167	74	the	the	DET
ajbmeb-2216	167	75	wide	wide	ADJ
ajbmeb-2216	167	76	involvement	involvement	NOUN
ajbmeb-2216	167	77	of	of	ADP
ajbmeb-2216	167	78	artificial	artificial	ADJ
ajbmeb-2216	167	79	intelligence	intelligence	NOUN
ajbmeb-2216	167	80	and	and	CCONJ
ajbmeb-2216	167	81	robot	robot	NOUN
ajbmeb-2216	167	82	technologies	technology	NOUN
ajbmeb-2216	167	83	in	in	ADP
ajbmeb-2216	167	84	the	the	DET
ajbmeb-2216	167	85	banking	banking	NOUN
ajbmeb-2216	167	86	system	system	NOUN
ajbmeb-2216	167	87	,	,	PUNCT
ajbmeb-2216	167	88	further	further	ADJ
ajbmeb-2216	167	89	increase	increase	NOUN
ajbmeb-2216	167	90	of	of	ADP
ajbmeb-2216	167	91	transparency	transparency	NOUN
ajbmeb-2216	167	92	in	in	ADP
ajbmeb-2216	167	93	banks	bank	NOUN
ajbmeb-2216	167	94	and	and	CCONJ
ajbmeb-2216	167	95	optimization	optimization	NOUN
ajbmeb-2216	167	96	of	of	ADP
ajbmeb-2216	167	97	bank	bank	NOUN
ajbmeb-2216	167	98	staffs	staff	NOUN
ajbmeb-2216	167	99	;	;	PUNCT
ajbmeb-2216	167	100	integration	integration	NOUN
ajbmeb-2216	167	101	of	of	ADP
ajbmeb-2216	167	102	platforms	platform	NOUN
ajbmeb-2216	167	103	to	to	PART
ajbmeb-2216	167	104	achieve	achieve	VERB
ajbmeb-2216	167	105	the	the	DET
ajbmeb-2216	167	106	provision	provision	NOUN
ajbmeb-2216	167	107	of	of	ADP
ajbmeb-2216	167	108	banking	banking	NOUN
ajbmeb-2216	167	109	and	and	CCONJ
ajbmeb-2216	167	110	non	non	ADJ
ajbmeb-2216	167	111	-	-	ADJ
ajbmeb-2216	167	112	banking	banking	ADJ
ajbmeb-2216	167	113	services	service	NOUN
ajbmeb-2216	167	114	with	with	ADP
ajbmeb-2216	167	115	a	a	DET
ajbmeb-2216	167	116	single	single	ADJ
ajbmeb-2216	167	117	application	application	NOUN
ajbmeb-2216	167	118	based	base	VERB
ajbmeb-2216	167	119	on	on	ADP
ajbmeb-2216	167	120	banking	banking	NOUN
ajbmeb-2216	167	121	apis	apis	ADJ
ajbmeb-2216	167	122	,	,	PUNCT
ajbmeb-2216	167	123	entering	enter	VERB
ajbmeb-2216	167	124	the	the	DET
ajbmeb-2216	167	125	market	market	NOUN
ajbmeb-2216	167	126	of	of	ADP
ajbmeb-2216	167	127	banking	banking	NOUN
ajbmeb-2216	167	128	services	service	NOUN
ajbmeb-2216	167	129	of	of	ADP
ajbmeb-2216	167	130	foreign	foreign	ADJ
ajbmeb-2216	167	131	countries	country	NOUN
ajbmeb-2216	167	132	through	through	ADP
ajbmeb-2216	167	133	the	the	DET
ajbmeb-2216	167	134	development	development	NOUN
ajbmeb-2216	167	135	of	of	ADP
ajbmeb-2216	167	136	multi	multi	ADJ
ajbmeb-2216	167	137	-	-	ADJ
ajbmeb-2216	167	138	currency	currency	ADJ
ajbmeb-2216	167	139	programs	program	NOUN
ajbmeb-2216	167	140	,	,	PUNCT
ajbmeb-2216	167	141	etc	etc	X
ajbmeb-2216	167	142	.	.	X
ajbmeb-2216	168	1	in	in	ADP
ajbmeb-2216	168	2	conclusion	conclusion	NOUN
ajbmeb-2216	168	3	,	,	PUNCT
ajbmeb-2216	168	4	it	it	PRON
ajbmeb-2216	168	5	can	can	AUX
ajbmeb-2216	168	6	be	be	AUX
ajbmeb-2216	168	7	said	say	VERB
ajbmeb-2216	168	8	that	that	SCONJ
ajbmeb-2216	168	9	the	the	DET
ajbmeb-2216	168	10	use	use	NOUN
ajbmeb-2216	168	11	of	of	ADP
ajbmeb-2216	168	12	modern	modern	ADJ
ajbmeb-2216	168	13	digital	digital	ADJ
ajbmeb-2216	168	14	information	information	NOUN
ajbmeb-2216	168	15	technologies	technology	NOUN
ajbmeb-2216	168	16	and	and	CCONJ
ajbmeb-2216	168	17	their	their	PRON
ajbmeb-2216	168	18	software	software	NOUN
ajbmeb-2216	168	19	in	in	ADP
ajbmeb-2216	168	20	the	the	DET
ajbmeb-2216	168	21	banking	banking	NOUN
ajbmeb-2216	168	22	sector	sector	NOUN
ajbmeb-2216	168	23	not	not	PART
ajbmeb-2216	168	24	only	only	ADV
ajbmeb-2216	168	25	gives	give	VERB
ajbmeb-2216	168	26	a	a	DET
ajbmeb-2216	168	27	competitive	competitive	ADJ
ajbmeb-2216	168	28	advantage	advantage	NOUN
ajbmeb-2216	168	29	in	in	ADP
ajbmeb-2216	168	30	the	the	DET
ajbmeb-2216	168	31	market	market	NOUN
ajbmeb-2216	168	32	of	of	ADP
ajbmeb-2216	168	33	banking	banking	NOUN
ajbmeb-2216	168	34	services	service	NOUN
ajbmeb-2216	168	35	,	,	PUNCT
ajbmeb-2216	168	36	but	but	CCONJ
ajbmeb-2216	168	37	also	also	ADV
ajbmeb-2216	168	38	has	have	VERB
ajbmeb-2216	168	39	positive	positive	ADJ
ajbmeb-2216	168	40	effects	effect	NOUN
ajbmeb-2216	168	41	such	such	ADJ
ajbmeb-2216	168	42	as	as	ADP
ajbmeb-2216	168	43	reducing	reduce	VERB
ajbmeb-2216	168	44	administrative	administrative	ADJ
ajbmeb-2216	168	45	costs	cost	NOUN
ajbmeb-2216	168	46	,	,	PUNCT
ajbmeb-2216	168	47	increasing	increase	VERB
ajbmeb-2216	168	48	labor	labor	NOUN
ajbmeb-2216	168	49	productivity	productivity	NOUN
ajbmeb-2216	168	50	,	,	PUNCT
ajbmeb-2216	168	51	and	and	CCONJ
ajbmeb-2216	168	52	reducing	reduce	VERB
ajbmeb-2216	168	53	excessive	excessive	ADJ
ajbmeb-2216	168	54	time	time	NOUN
ajbmeb-2216	168	55	consumption	consumption	NOUN
ajbmeb-2216	168	56	.	.	PUNCT
ajbmeb-2216	169	1	in	in	ADP
ajbmeb-2216	169	2	particular	particular	ADJ
ajbmeb-2216	169	3	,	,	PUNCT
ajbmeb-2216	169	4	based	base	VERB
ajbmeb-2216	169	5	on	on	ADP
ajbmeb-2216	169	6	the	the	DET
ajbmeb-2216	169	7	analysis	analysis	NOUN
ajbmeb-2216	169	8	of	of	ADP
ajbmeb-2216	169	9	problem	problem	NOUN
ajbmeb-2216	169	10	loans	loan	NOUN
ajbmeb-2216	169	11	and	and	CCONJ
ajbmeb-2216	169	12	the	the	DET
ajbmeb-2216	169	13	automation	automation	NOUN
ajbmeb-2216	169	14	of	of	ADP
ajbmeb-2216	169	15	work	work	NOUN
ajbmeb-2216	169	16	on	on	ADP
ajbmeb-2216	169	17	them	they	PRON
ajbmeb-2216	169	18	,	,	PUNCT
ajbmeb-2216	169	19	it	it	PRON
ajbmeb-2216	169	20	allows	allow	VERB
ajbmeb-2216	169	21	to	to	PART
ajbmeb-2216	169	22	work	work	VERB
ajbmeb-2216	169	23	with	with	ADP
ajbmeb-2216	169	24	a	a	DET
ajbmeb-2216	169	25	large	large	ADJ
ajbmeb-2216	169	26	number	number	NOUN
ajbmeb-2216	169	27	of	of	ADP
ajbmeb-2216	169	28	problem	problem	NOUN
ajbmeb-2216	169	29	loans	loan	NOUN
ajbmeb-2216	169	30	easily	easily	ADV
ajbmeb-2216	169	31	and	and	CCONJ
ajbmeb-2216	169	32	in	in	ADP
ajbmeb-2216	169	33	a	a	DET
ajbmeb-2216	169	34	short	short	ADJ
ajbmeb-2216	169	35	time	time	NOUN
ajbmeb-2216	169	36	.	.	PUNCT
ajbmeb-2216	170	1	for	for	ADP
ajbmeb-2216	170	2	example	example	NOUN
ajbmeb-2216	170	3	,	,	PUNCT
ajbmeb-2216	170	4	sending	send	VERB
ajbmeb-2216	170	5	automatic	automatic	ADJ
ajbmeb-2216	170	6	sms	sms	NOUN
ajbmeb-2216	170	7	messages	message	NOUN
ajbmeb-2216	170	8	warning	warn	VERB
ajbmeb-2216	170	9	about	about	ADP
ajbmeb-2216	170	10	the	the	DET
ajbmeb-2216	170	11	deadlines	deadline	NOUN
ajbmeb-2216	170	12	for	for	ADP
ajbmeb-2216	170	13	the	the	DET
ajbmeb-2216	170	14	repayment	repayment	NOUN
ajbmeb-2216	170	15	of	of	ADP
ajbmeb-2216	170	16	principal	principal	NOUN
ajbmeb-2216	170	17	and	and	CCONJ
ajbmeb-2216	170	18	interest	interest	NOUN
ajbmeb-2216	170	19	on	on	ADP
ajbmeb-2216	170	20	loans	loan	NOUN
ajbmeb-2216	170	21	,	,	PUNCT
ajbmeb-2216	170	22	automatic	automatic	ADJ
ajbmeb-2216	170	23	preparation	preparation	NOUN
ajbmeb-2216	170	24	and	and	CCONJ
ajbmeb-2216	170	25	electronic	electronic	ADJ
ajbmeb-2216	170	26	sending	sending	NOUN
ajbmeb-2216	170	27	of	of	ADP
ajbmeb-2216	170	28	court	court	NOUN
ajbmeb-2216	170	29	documents	document	NOUN
ajbmeb-2216	170	30	on	on	ADP
ajbmeb-2216	170	31	problem	problem	NOUN
ajbmeb-2216	170	32	loans	loan	NOUN
ajbmeb-2216	170	33	that	that	PRON
ajbmeb-2216	170	34	have	have	AUX
ajbmeb-2216	170	35	expired	expire	VERB
ajbmeb-2216	170	36	.	.	PUNCT
ajbmeb-2216	171	1	references	reference	NOUN
ajbmeb-2216	171	2	1	1	NUM
ajbmeb-2216	171	3	.	.	PUNCT
ajbmeb-2216	171	4	ильюкевич	ильюкевич	PROPN
ajbmeb-2216	171	5	а.н	а.н	PROPN
ajbmeb-2216	171	6	.	.	PROPN
ajbmeb-2216	171	7	,	,	PUNCT
ajbmeb-2216	171	8	костюк	костюк	PROPN
ajbmeb-2216	171	9	я.с	я.с	PROPN
ajbmeb-2216	171	10	.	.	PROPN
ajbmeb-2216	171	11	,	,	PUNCT
ajbmeb-2216	171	12	пастарнак	пастарнак	PROPN
ajbmeb-2216	171	13	к.г	к.г	PROPN
ajbmeb-2216	171	14	.	.	PROPN
ajbmeb-2216	171	15	информационные	информационные	PROPN
ajbmeb-2216	171	16	технологии	технологии	PROPN
ajbmeb-2216	171	17	в	в	PROPN
ajbmeb-2216	171	18	банковской	банковской	VERB
ajbmeb-2216	171	19	сфере	сфере	X
ajbmeb-2216	171	20	.	.	PUNCT
ajbmeb-2216	172	1	электронная	электронная	VERB
ajbmeb-2216	172	2	библиотека	библиотека	NOUN
ajbmeb-2216	172	3	бгу	бгу	PROPN
ajbmeb-2216	172	4	.	.	PUNCT
ajbmeb-2216	172	5	2016	2016	NUM
ajbmeb-2216	172	6	.	.	PUNCT
ajbmeb-2216	173	1	–	–	PUNCT
ajbmeb-2216	173	2	204	204	NUM
ajbmeb-2216	173	3	-	-	SYM
ajbmeb-2216	173	4	206	206	NUM
ajbmeb-2216	173	5	с	с	NOUN
ajbmeb-2216	173	6	.	.	PROPN
ajbmeb-2216	174	1	2	2	NUM
ajbmeb-2216	174	2	.	.	PUNCT
ajbmeb-2216	174	3	matej	matej	PROPN
ajbmeb-2216	174	4	marinc	marinc	PROPN
ajbmeb-2216	174	5	.	.	PUNCT
ajbmeb-2216	175	1	banks	bank	NOUN
ajbmeb-2216	175	2	and	and	CCONJ
ajbmeb-2216	175	3	information	information	NOUN
ajbmeb-2216	175	4	technology	technology	NOUN
ajbmeb-2216	175	5	:	:	PUNCT
ajbmeb-2216	175	6	complexity	complexity	NOUN
ajbmeb-2216	175	7	,	,	PUNCT
ajbmeb-2216	175	8	flexibility	flexibility	NOUN
ajbmeb-2216	175	9	,	,	PUNCT
ajbmeb-2216	175	10	and	and	CCONJ
ajbmeb-2216	175	11	interconnectedness	interconnectedness	NOUN
ajbmeb-2216	175	12	,	,	PUNCT
ajbmeb-2216	175	13	2011	2011	NUM
ajbmeb-2216	175	14	,	,	PUNCT
ajbmeb-2216	175	15	https://www.researchgate.net/publication/266465168	https://www.researchgate.net/publication/266465168	VERB
ajbmeb-2216	175	16	3	3	NUM
ajbmeb-2216	175	17	.	.	PUNCT
ajbmeb-2216	175	18	rahia	rahia	PROPN
ajbmeb-2216	175	19	s.	s.	PROPN
ajbmeb-2216	175	20	et	et	PROPN
ajbmeb-2216	175	21	al	al	PROPN
ajbmeb-2216	175	22	.	.	PUNCT
ajbmeb-2216	176	1	integration	integration	NOUN
ajbmeb-2216	176	2	of	of	ADP
ajbmeb-2216	176	3	unified	unified	ADJ
ajbmeb-2216	176	4	theory	theory	NOUN
ajbmeb-2216	176	5	of	of	ADP
ajbmeb-2216	176	6	acceptance	acceptance	NOUN
ajbmeb-2216	176	7	and	and	CCONJ
ajbmeb-2216	176	8	use	use	NOUN
ajbmeb-2216	176	9	of	of	ADP
ajbmeb-2216	176	10	technology	technology	NOUN
ajbmeb-2216	176	11	in	in	ADP
ajbmeb-2216	176	12	internet	internet	NOUN
ajbmeb-2216	176	13	banking	banking	NOUN
ajbmeb-2216	176	14	adoption	adoption	NOUN
ajbmeb-2216	176	15	setting	set	VERB
ajbmeb-2216	176	16	:	:	PUNCT
ajbmeb-2216	176	17	evidence	evidence	NOUN
ajbmeb-2216	176	18	from	from	ADP
ajbmeb-2216	176	19	pakistan	pakistan	PROPN
ajbmeb-2216	176	20	//	//	SYM
ajbmeb-2216	176	21	technology	technology	NOUN
ajbmeb-2216	176	22	in	in	ADP
ajbmeb-2216	176	23	society	society	NOUN
ajbmeb-2216	176	24	,	,	PUNCT
ajbmeb-2216	176	25	vol	vol	NOUN
ajbmeb-2216	176	26	.	.	PUNCT
ajbmeb-2216	177	1	58	58	NUM
ajbmeb-2216	177	2	(	(	PUNCT
ajbmeb-2216	177	3	2019	2019	NUM
ajbmeb-2216	177	4	)	)	PUNCT
ajbmeb-2216	177	5	,	,	PUNCT
ajbmeb-2216	177	6	101120	101120	NUM
ajbmeb-2216	177	7	,	,	PUNCT
ajbmeb-2216	177	8	2	2	NUM
ajbmeb-2216	177	9	p.	p.	NOUN
ajbmeb-2216	177	10	4	4	NUM
ajbmeb-2216	177	11	.	.	PUNCT
ajbmeb-2216	177	12	saeid	saeid	PROPN
ajbmeb-2216	177	13	khajeh	khajeh	PROPN
ajbmeb-2216	177	14	dangolania	dangolania	PROPN
ajbmeb-2216	177	15	.	.	PUNCT
ajbmeb-2216	178	1	the	the	DET
ajbmeb-2216	178	2	impact	impact	NOUN
ajbmeb-2216	178	3	of	of	ADP
ajbmeb-2216	178	4	information	information	NOUN
ajbmeb-2216	178	5	technology	technology	NOUN
ajbmeb-2216	178	6	in	in	ADP
ajbmeb-2216	178	7	banking	banking	NOUN
ajbmeb-2216	178	8	system	system	NOUN
ajbmeb-2216	178	9	(	(	PUNCT
ajbmeb-2216	178	10	a	a	DET
ajbmeb-2216	178	11	case	case	NOUN
ajbmeb-2216	178	12	study	study	NOUN
ajbmeb-2216	178	13	in	in	ADP
ajbmeb-2216	178	14	bank	bank	PROPN
ajbmeb-2216	178	15	keshavarzi	keshavarzi	PROPN
ajbmeb-2216	178	16	iran	iran	PROPN
ajbmeb-2216	178	17	)	)	PUNCT
ajbmeb-2216	178	18	//	//	PROPN
ajbmeb-2216	178	19	procedia	procedia	PROPN
ajbmeb-2216	178	20	social	social	ADJ
ajbmeb-2216	178	21	and	and	CCONJ
ajbmeb-2216	178	22	behavioral	behavioral	ADJ
ajbmeb-2216	178	23	sciences	science	NOUN
ajbmeb-2216	178	24	,	,	PUNCT
ajbmeb-2216	178	25	vol	vol	NOUN
ajbmeb-2216	178	26	.	.	PROPN
ajbmeb-2216	178	27	30	30	NUM
ajbmeb-2216	178	28	,	,	PUNCT
ajbmeb-2216	178	29	2011	2011	NUM
ajbmeb-2216	178	30	.	.	PUNCT
ajbmeb-2216	179	1	–	–	PUNCT
ajbmeb-2216	179	2	13	13	NUM
ajbmeb-2216	179	3	-	-	SYM
ajbmeb-2216	179	4	16	16	NUM
ajbmeb-2216	179	5	p.	p.	NOUN
ajbmeb-2216	179	6	5	5	NUM
ajbmeb-2216	179	7	.	.	PUNCT
ajbmeb-2216	180	1	goyal	goyal	PROPN
ajbmeb-2216	180	2	j.	j.	PROPN
ajbmeb-2216	180	3	,	,	PUNCT
ajbmeb-2216	180	4	singh	singh	PROPN
ajbmeb-2216	180	5	m.	m.	NOUN
ajbmeb-2216	180	6	,	,	PUNCT
ajbmeb-2216	180	7	singh	singh	PROPN
ajbmeb-2216	180	8	r.	r.	PROPN
ajbmeb-2216	180	9	,	,	PUNCT
ajbmeb-2216	180	10	aggarwal	aggarwal	PROPN
ajbmeb-2216	180	11	a.	a.	NOUN
ajbmeb-2216	180	12	efficiency	efficiency	NOUN
ajbmeb-2216	180	13	and	and	CCONJ
ajbmeb-2216	180	14	technology	technology	NOUN
ajbmeb-2216	180	15	gaps	gap	NOUN
ajbmeb-2216	180	16	in	in	ADP
ajbmeb-2216	180	17	indian	indian	ADJ
ajbmeb-2216	180	18	banking	banking	NOUN
ajbmeb-2216	180	19	sector	sector	NOUN
ajbmeb-2216	180	20	:	:	PUNCT
ajbmeb-2216	180	21	application	application	NOUN
ajbmeb-2216	180	22	of	of	ADP
ajbmeb-2216	180	23	meta	meta	ADJ
ajbmeb-2216	180	24	-	-	PUNCT
ajbmeb-2216	180	25	frontier	frontier	NOUN
ajbmeb-2216	180	26	directional	directional	ADJ
ajbmeb-2216	180	27	distance	distance	NOUN
ajbmeb-2216	180	28	function	function	NOUN
ajbmeb-2216	180	29	dea	dea	PROPN
ajbmeb-2216	180	30	approach	approach	PROPN
ajbmeb-2216	180	31	//	//	PUNCT
ajbmeb-2216	181	1	the	the	DET
ajbmeb-2216	181	2	journal	journal	NOUN
ajbmeb-2216	181	3	of	of	ADP
ajbmeb-2216	181	4	finance	finance	NOUN
ajbmeb-2216	181	5	and	and	CCONJ
ajbmeb-2216	181	6	data	datum	NOUN
ajbmeb-2216	181	7	science	science	NOUN
ajbmeb-2216	181	8	,	,	PUNCT
ajbmeb-2216	181	9	vol	vol	NOUN
ajbmeb-2216	181	10	.	.	PROPN
ajbmeb-2216	181	11	5	5	NUM
ajbmeb-2216	181	12	(	(	PUNCT
ajbmeb-2216	181	13	2019	2019	NUM
ajbmeb-2216	181	14	)	)	PUNCT
ajbmeb-2216	181	15	,	,	PUNCT
ajbmeb-2216	181	16	156	156	NUM
ajbmeb-2216	181	17	-	-	SYM
ajbmeb-2216	181	18	172	172	NUM
ajbmeb-2216	181	19	p.	p.	NOUN
ajbmeb-2216	181	20	6	6	NUM
ajbmeb-2216	181	21	.	.	PUNCT
ajbmeb-2216	182	1	дубинин	дубинин	PROPN
ajbmeb-2216	182	2	м.в	м.в	PROPN
ajbmeb-2216	182	3	.	.	PROPN
ajbmeb-2216	182	4	банковские	банковские	PROPN
ajbmeb-2216	182	5	технологии	технологии	PROPN
ajbmeb-2216	182	6	:	:	PUNCT
ajbmeb-2216	182	7	сущность	сущность	PROPN
ajbmeb-2216	182	8	,	,	PUNCT
ajbmeb-2216	182	9	история	история	NOUN
ajbmeb-2216	182	10	развития	развития	VERB
ajbmeb-2216	182	11	и	и	PROPN
ajbmeb-2216	182	12	перспективы	перспективы	VERB
ajbmeb-2216	182	13	//	//	NUM
ajbmeb-2216	182	14	финансы	финансы	VERB
ajbmeb-2216	182	15	и	и	PROPN
ajbmeb-2216	182	16	кредит	кредит	PROPN
ajbmeb-2216	182	17	.	.	PUNCT
ajbmeb-2216	183	1	№	№	NOUN
ajbmeb-2216	183	2	34	34	NUM
ajbmeb-2216	183	3	(	(	PUNCT
ajbmeb-2216	183	4	274	274	NUM
ajbmeb-2216	183	5	)	)	PUNCT
ajbmeb-2216	183	6	,	,	PUNCT
ajbmeb-2216	183	7	2007	2007	NUM
ajbmeb-2216	183	8	.	.	PUNCT
ajbmeb-2216	184	1	–	–	PUNCT
ajbmeb-2216	184	2	58	58	NUM
ajbmeb-2216	184	3	с	с	NOUN
ajbmeb-2216	184	4	.	.	PROPN
ajbmeb-2216	185	1	7	7	NUM
ajbmeb-2216	185	2	.	.	X
ajbmeb-2216	185	3	vadlamani	vadlamani	PROPN
ajbmeb-2216	185	4	r.	r.	PROPN
ajbmeb-2216	185	5	introduction	introduction	NOUN
ajbmeb-2216	185	6	to	to	ADP
ajbmeb-2216	185	7	banking	banking	NOUN
ajbmeb-2216	185	8	technology	technology	NOUN
ajbmeb-2216	185	9	and	and	CCONJ
ajbmeb-2216	185	10	management	management	PROPN
ajbmeb-2216	185	11	//	//	PROPN
ajbmeb-2216	185	12	institute	institute	PROPN
ajbmeb-2216	185	13	for	for	ADP
ajbmeb-2216	185	14	development	development	NOUN
ajbmeb-2216	185	15	and	and	CCONJ
ajbmeb-2216	185	16	research	research	NOUN
ajbmeb-2216	185	17	in	in	ADP
ajbmeb-2216	185	18	banking	banking	NOUN
ajbmeb-2216	185	19	technology	technology	NOUN
ajbmeb-2216	185	20	.	.	PUNCT
ajbmeb-2216	186	1	may	may	AUX
ajbmeb-2216	186	2	2011	2011	NUM
ajbmeb-2216	186	3	.	.	PUNCT
ajbmeb-2216	187	1	doi	doi	NOUN
ajbmeb-2216	187	2	:	:	PUNCT
ajbmeb-2216	187	3	10.4018/978	10.4018/978	NUM
ajbmeb-2216	187	4	-	-	SYM
ajbmeb-2216	187	5	1	1	NUM
ajbmeb-2216	187	6	-	-	PUNCT
ajbmeb-2216	187	7	59904	59904	NUM
ajbmeb-2216	187	8	-	-	PUNCT
ajbmeb-2216	187	9	675	675	NUM
ajbmeb-2216	187	10	-	-	NUM
ajbmeb-2216	187	11	4.ch001	4.ch001	NUM
ajbmeb-2216	187	12	8	8	NUM
ajbmeb-2216	187	13	.	.	PUNCT
ajbmeb-2216	188	1	тарасова	тарасова	PROPN
ajbmeb-2216	188	2	в.и	в.и	PROPN
ajbmeb-2216	188	3	.	.	PROPN
ajbmeb-2216	188	4	межрегиональный	межрегиональный	PROPN
ajbmeb-2216	188	5	центр	центр	PROPN
ajbmeb-2216	188	6	банковских	банковских	VERB
ajbmeb-2216	188	7	и	и	PROPN
ajbmeb-2216	188	8	финансовых	финансовых	ADJ
ajbmeb-2216	188	9	технологий	технологий	NOUN
ajbmeb-2216	188	10	/	/	SYM
ajbmeb-2216	188	11	банковские	банковские	PROPN
ajbmeb-2216	188	12	и	и	PROPN
ajbmeb-2216	188	13	финансовые	финансовые	PROPN
ajbmeb-2216	188	14	технологии	технологии	PROPN
ajbmeb-2216	188	15	для	для	PROPN
ajbmeb-2216	188	16	реального	реального	NOUN
ajbmeb-2216	188	17	сектора	сектора	PROPN
ajbmeb-2216	188	18	экономики	экономики	NOUN
ajbmeb-2216	188	19	:	:	PUNCT
ajbmeb-2216	188	20	сборник	сборник	VERB
ajbmeb-2216	188	21	статей	статей	PROPN
ajbmeb-2216	188	22	под	под	VERB
ajbmeb-2216	188	23	ред	ред	PROPN
ajbmeb-2216	188	24	.	.	PUNCT
ajbmeb-2216	188	25	–	–	PUNCT
ajbmeb-2216	188	26	м	м	X
ajbmeb-2216	188	27	.	.	NOUN
ajbmeb-2216	188	28	2000	2000	NUM
ajbmeb-2216	188	29	.	.	PUNCT
ajbmeb-2216	189	1	–	–	PUNCT
ajbmeb-2216	189	2	134	134	NUM
ajbmeb-2216	189	3	с	с	NOUN
ajbmeb-2216	189	4	.	.	PROPN
ajbmeb-2216	190	1	9	9	NUM
ajbmeb-2216	190	2	.	.	X
ajbmeb-2216	190	3	галаган	галаган	PROPN
ajbmeb-2216	190	4	а.а	а.а	PROPN
ajbmeb-2216	190	5	.	.	PROPN
ajbmeb-2216	190	6	от	от	PROPN
ajbmeb-2216	190	7	купца	купца	NOUN
ajbmeb-2216	190	8	до	до	PROPN
ajbmeb-2216	190	9	банкира	банкира	PROPN
ajbmeb-2216	190	10	:	:	PUNCT
ajbmeb-2216	190	11	история	история	NOUN
ajbmeb-2216	190	12	предпринимательства	предпринимательства	PROPN
ajbmeb-2216	190	13	российского	российского	PROPN
ajbmeb-2216	190	14	.	.	PUNCT
ajbmeb-2216	191	1	–	–	PUNCT
ajbmeb-2216	191	2	м	м	X
ajbmeb-2216	191	3	.	.	PUNCT
ajbmeb-2216	191	4	:	:	PUNCT
ajbmeb-2216	192	1	ось89	ось89	ADJ
ajbmeb-2216	192	2	,	,	PUNCT
ajbmeb-2216	192	3	1997	1997	NUM
ajbmeb-2216	192	4	.	.	PUNCT
ajbmeb-2216	193	1	–	–	PUNCT
ajbmeb-2216	193	2	167	167	NUM
ajbmeb-2216	193	3	с	с	NOUN
ajbmeb-2216	193	4	.	.	PROPN
ajbmeb-2216	194	1	10	10	NUM
ajbmeb-2216	194	2	.	.	PUNCT
ajbmeb-2216	194	3	дроздов	дроздов	PROPN
ajbmeb-2216	194	4	в.в	в.в	PROPN
ajbmeb-2216	194	5	.	.	PROPN
ajbmeb-2216	194	6	,	,	PUNCT
ajbmeb-2216	194	7	воробьева	воробьева	PROPN
ajbmeb-2216	194	8	ю.ф	ю.ф	PROPN
ajbmeb-2216	194	9	.	.	PROPN
ajbmeb-2216	194	10	банкирский	банкирский	PROPN
ajbmeb-2216	195	1	промысел	промысел	PROPN
ajbmeb-2216	195	2	в	в	PROPN
ajbmeb-2216	195	3	докапиталистический	докапиталистический	PROPN
ajbmeb-2216	195	4	период	период	PROPN
ajbmeb-2216	195	5	/	/	SYM
ajbmeb-2216	195	6	история	история	NOUN
ajbmeb-2216	195	7	и	и	PROPN
ajbmeb-2216	195	8	историография	историография	NOUN
ajbmeb-2216	195	9	экономики	экономики	NOUN
ajbmeb-2216	195	10	:	:	PUNCT
ajbmeb-2216	195	11	сборник	сборник	VERB
ajbmeb-2216	195	12	статей	статей	PROPN
ajbmeb-2216	195	13	под	под	VERB
ajbmeb-2216	195	14	ред	ред	PROPN
ajbmeb-2216	195	15	.	.	PUNCT
ajbmeb-2216	195	16	–	–	PUNCT
ajbmeb-2216	196	1	м	м	X
ajbmeb-2216	196	2	.	.	PUNCT
ajbmeb-2216	196	3	:	:	PUNCT
ajbmeb-2216	196	4	“	"	PUNCT
ajbmeb-2216	196	5	экономика	экономика	NOUN
ajbmeb-2216	196	6	”	"	PUNCT
ajbmeb-2216	196	7	,	,	PUNCT
ajbmeb-2216	196	8	2003	2003	NUM
ajbmeb-2216	196	9	.	.	PUNCT
ajbmeb-2216	197	1	–	–	PUNCT
ajbmeb-2216	197	2	69	69	NUM
ajbmeb-2216	197	3	с	с	NOUN
ajbmeb-2216	197	4	.	.	PROPN
ajbmeb-2216	198	1	11	11	NUM
ajbmeb-2216	198	2	.	.	PUNCT
ajbmeb-2216	199	1	масленченков	масленченков	PROPN
ajbmeb-2216	199	2	ю.с	ю.с	PROPN
ajbmeb-2216	199	3	.	.	PROPN
ajbmeb-2216	199	4	технология	технология	PROPN
ajbmeb-2216	199	5	и	и	PROPN
ajbmeb-2216	199	6	организация	организация	PROPN
ajbmeb-2216	199	7	работы	работы	PROPN
ajbmeb-2216	199	8	банка	банка	PROPN
ajbmeb-2216	199	9	:	:	PUNCT
ajbmeb-2216	199	10	теория	теория	NOUN
ajbmeb-2216	199	11	и	и	PROPN
ajbmeb-2216	199	12	практика	практика	NOUN
ajbmeb-2216	199	13	.	.	PUNCT
ajbmeb-2216	200	1	–	–	PUNCT
ajbmeb-2216	200	2	м	м	X
ajbmeb-2216	200	3	.	.	PUNCT
ajbmeb-2216	200	4	:	:	PUNCT
ajbmeb-2216	200	5	“	"	PUNCT
ajbmeb-2216	200	6	дека	дека	NOUN
ajbmeb-2216	200	7	”	"	PUNCT
ajbmeb-2216	200	8	,	,	PUNCT
ajbmeb-2216	200	9	1998	1998	NUM
ajbmeb-2216	200	10	.	.	PUNCT
ajbmeb-2216	201	1	–	–	PUNCT
ajbmeb-2216	201	2	431	431	NUM
ajbmeb-2216	201	3	с	с	NOUN
ajbmeb-2216	201	4	.	.	PUNCT
ajbmeb-2216	202	1	https://www.researchgate.net/publication/266465168	https://www.researchgate.net/publication/266465168	PROPN
ajbmeb-2216	202	2	american	american	PROPN
ajbmeb-2216	202	3	journal	journal	PROPN
ajbmeb-2216	202	4	of	of	ADP
ajbmeb-2216	202	5	business	business	NOUN
ajbmeb-2216	202	6	management	management	NOUN
ajbmeb-2216	202	7	,	,	PUNCT
ajbmeb-2216	202	8	economics	economic	NOUN
ajbmeb-2216	202	9	and	and	CCONJ
ajbmeb-2216	202	10	banking	banking	NOUN
ajbmeb-2216	202	11	volume	volume	NOUN
ajbmeb-2216	202	12	25	25	NUM
ajbmeb-2216	202	13	june	june	PROPN
ajbmeb-2216	202	14	2024	2024	NUM
ajbmeb-2216	202	15	p	p	NOUN
ajbmeb-2216	202	16	a	a	DET
ajbmeb-2216	202	17	g	g	NOUN
ajbmeb-2216	202	18	e	e	NOUN
ajbmeb-2216	203	1	|	|	ADV
ajbmeb-2216	203	2	79	79	NUM
ajbmeb-2216	203	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2216	203	4	12	12	NUM
ajbmeb-2216	203	5	.	.	PUNCT
ajbmeb-2216	203	6	садков	садков	PROPN
ajbmeb-2216	203	7	в.г	в.г	PROPN
ajbmeb-2216	203	8	.	.	PROPN
ajbmeb-2216	203	9	,	,	PUNCT
ajbmeb-2216	203	10	овчинникова	овчинникова	PROPN
ajbmeb-2216	203	11	о.п	о.п	PROPN
ajbmeb-2216	203	12	.	.	PROPN
ajbmeb-2216	203	13	банковские	банковские	PROPN
ajbmeb-2216	203	14	системы	системы	PROPN
ajbmeb-2216	203	15	развитых	развитых	VERB
ajbmeb-2216	203	16	стран	стран	PROPN
ajbmeb-2216	203	17	:	:	PUNCT
ajbmeb-2216	203	18	история	история	NOUN
ajbmeb-2216	203	19	,	,	PUNCT
ajbmeb-2216	203	20	современность	современность	NOUN
ajbmeb-2216	203	21	,	,	PUNCT
ajbmeb-2216	203	22	перспективы	перспективы	NOUN
ajbmeb-2216	203	23	.	.	PUNCT
ajbmeb-2216	204	1	–	–	PUNCT
ajbmeb-2216	204	2	м	м	X
ajbmeb-2216	204	3	.	.	PUNCT
ajbmeb-2216	204	4	:	:	PUNCT
ajbmeb-2216	204	5	“	"	PUNCT
ajbmeb-2216	204	6	прогресс	прогресс	NOUN
ajbmeb-2216	204	7	”	"	PUNCT
ajbmeb-2216	204	8	,	,	PUNCT
ajbmeb-2216	204	9	2001	2001	NUM
ajbmeb-2216	204	10	.	.	PUNCT
ajbmeb-2216	205	1	–	–	PUNCT
ajbmeb-2216	205	2	141	141	NUM
ajbmeb-2216	205	3	с	с	NOUN
ajbmeb-2216	205	4	.	.	PROPN
ajbmeb-2216	205	5	13	13	NUM
ajbmeb-2216	205	6	.	.	PUNCT
ajbmeb-2216	206	1	тимошенко	тимошенко	PROPN
ajbmeb-2216	206	2	л.а	л.а	PROPN
ajbmeb-2216	206	3	.	.	PROPN
ajbmeb-2216	206	4	разработка	разработка	PROPN
ajbmeb-2216	206	5	новых	новых	PROPN
ajbmeb-2216	206	6	банковских	банковских	NOUN
ajbmeb-2216	206	7	продуктов	продуктов	NOUN
ajbmeb-2216	206	8	и	и	PROPN
ajbmeb-2216	206	9	воздействие	воздействие	NOUN
ajbmeb-2216	206	10	на	на	PROPN
ajbmeb-2216	206	11	конкурентоспособность	конкурентоспособность	PROPN
ajbmeb-2216	206	12	и	и	PROPN
ajbmeb-2216	206	13	надежность	надежность	ADJ
ajbmeb-2216	206	14	банка	банка	NOUN
ajbmeb-2216	206	15	.	.	PUNCT
ajbmeb-2216	207	1	–	–	PUNCT
ajbmeb-2216	207	2	м	м	X
ajbmeb-2216	207	3	.	.	PUNCT
ajbmeb-2216	207	4	:	:	PUNCT
ajbmeb-2216	207	5	“	"	PUNCT
ajbmeb-2216	207	6	экон	экон	VERB
ajbmeb-2216	207	7	-	-	ADJ
ajbmeb-2216	207	8	информ	информ	ADJ
ajbmeb-2216	207	9	”	"	PUNCT
ajbmeb-2216	207	10	,	,	PUNCT
ajbmeb-2216	207	11	2004	2004	NUM
ajbmeb-2216	207	12	.	.	PUNCT
ajbmeb-2216	208	1	–	–	PUNCT
ajbmeb-2216	208	2	13	13	NUM
ajbmeb-2216	208	3	с	с	NOUN
ajbmeb-2216	208	4	.	.	PROPN
ajbmeb-2216	209	1	14	14	NUM
ajbmeb-2216	209	2	.	.	PUNCT
ajbmeb-2216	209	3	ashta	ashta	PROPN
ajbmeb-2216	209	4	a.	a.	PROPN
ajbmeb-2216	209	5	biot	biot	PROPN
ajbmeb-2216	209	6	-	-	PUNCT
ajbmeb-2216	209	7	paquerot	paquerot	PROPN
ajbmeb-2216	209	8	g.	g.	PROPN
ajbmeb-2216	209	9	fintech	fintech	NOUN
ajbmeb-2216	209	10	evolution	evolution	NOUN
ajbmeb-2216	209	11	:	:	PUNCT
ajbmeb-2216	209	12	strategic	strategic	ADJ
ajbmeb-2216	209	13	value	value	NOUN
ajbmeb-2216	209	14	management	management	NOUN
ajbmeb-2216	209	15	issues	issue	NOUN
ajbmeb-2216	209	16	in	in	ADP
ajbmeb-2216	209	17	a	a	DET
ajbmeb-2216	209	18	fast	fast	ADJ
ajbmeb-2216	209	19	changing	change	VERB
ajbmeb-2216	209	20	industry	industry	NOUN
ajbmeb-2216	209	21	//	//	NOUN
ajbmeb-2216	209	22	briefings	briefing	NOUN
ajbmeb-2216	209	23	in	in	ADP
ajbmeb-2216	209	24	entrepreneurial	entrepreneurial	ADJ
ajbmeb-2216	209	25	finance	finance	NOUN
ajbmeb-2216	209	26	.	.	PUNCT
ajbmeb-2216	210	1	volume	volume	NOUN
ajbmeb-2216	210	2	27	27	NUM
ajbmeb-2216	210	3	,	,	PUNCT
ajbmeb-2216	210	4	issue	issue	NOUN
ajbmeb-2216	210	5	4	4	NUM
ajbmeb-2216	210	6	.	.	PUNCT
ajbmeb-2216	210	7	july	july	PROPN
ajbmeb-2216	210	8	2018	2018	NUM
ajbmeb-2216	210	9	.	.	PUNCT
ajbmeb-2216	211	1	–	–	PUNCT
ajbmeb-2216	211	2	301311	301311	NUM
ajbmeb-2216	211	3	р	р	NOUN
ajbmeb-2216	211	4	.	.	PROPN
ajbmeb-2216	211	5	15	15	NUM
ajbmeb-2216	211	6	.	.	PUNCT
ajbmeb-2216	212	1	sharma	sharma	PROPN
ajbmeb-2216	212	2	а	а	PROPN
ajbmeb-2216	212	3	.	.	PROPN
ajbmeb-2216	212	4	,	,	PUNCT
ajbmeb-2216	212	5	kansal	kansal	PROPN
ajbmeb-2216	212	6	а	а	PROPN
ajbmeb-2216	212	7	.	.	PUNCT
ajbmeb-2216	213	1	technological	technological	ADJ
ajbmeb-2216	213	2	infovations	infovation	NOUN
ajbmeb-2216	213	3	in	in	ADP
ajbmeb-2216	213	4	banking	banking	NOUN
ajbmeb-2216	213	5	sector	sector	NOUN
ajbmeb-2216	213	6	:	:	PUNCT
ajbmeb-2216	213	7	impact	impact	NOUN
ajbmeb-2216	213	8	,	,	PUNCT
ajbmeb-2216	213	9	behaviour	behaviour	NOUN
ajbmeb-2216	213	10	and	and	CCONJ
ajbmeb-2216	213	11	services	service	NOUN
ajbmeb-2216	213	12	//	//	SYM
ajbmeb-2216	213	13	international	international	PROPN
ajbmeb-2216	213	14	journal	journal	PROPN
ajbmeb-2216	213	15	of	of	ADP
ajbmeb-2216	213	16	information	information	NOUN
ajbmeb-2216	213	17	&	&	CCONJ
ajbmeb-2216	213	18	computation	computation	PROPN
ajbmeb-2216	213	19	technology	technology	NOUN
ajbmeb-2216	213	20	.	.	PUNCT
ajbmeb-2216	214	1	volume	volume	NOUN
ajbmeb-2216	214	2	4	4	NUM
ajbmeb-2216	214	3	,	,	PUNCT
ajbmeb-2216	214	4	number	number	NOUN
ajbmeb-2216	214	5	9	9	NUM
ajbmeb-2216	214	6	,	,	PUNCT
ajbmeb-2216	214	7	2014	2014	NUM
ajbmeb-2216	214	8	.	.	PUNCT
ajbmeb-2216	215	1	–	–	PUNCT
ajbmeb-2216	215	2	886	886	NUM
ajbmeb-2216	215	3	р	р	NOUN
ajbmeb-2216	215	4	.	.	PROPN
ajbmeb-2216	215	5	16	16	NUM
ajbmeb-2216	215	6	.	.	PUNCT
ajbmeb-2216	216	1	cavus	cavus	PROPN
ajbmeb-2216	216	2	n.	n.	PROPN
ajbmeb-2216	216	3	chingoka	chingoka	PROPN
ajbmeb-2216	216	4	d.n.c	d.n.c	PROPN
ajbmeb-2216	216	5	.	.	PUNCT
ajbmeb-2216	217	1	information	information	NOUN
ajbmeb-2216	217	2	technology	technology	NOUN
ajbmeb-2216	217	3	in	in	ADP
ajbmeb-2216	217	4	the	the	DET
ajbmeb-2216	217	5	banking	banking	NOUN
ajbmeb-2216	217	6	sector	sector	NOUN
ajbmeb-2216	217	7	:	:	PUNCT
ajbmeb-2216	217	8	review	review	NOUN
ajbmeb-2216	217	9	of	of	ADP
ajbmeb-2216	217	10	mobile	mobile	ADJ
ajbmeb-2216	217	11	banking	banking	NOUN
ajbmeb-2216	217	12	//	//	SYM
ajbmeb-2216	217	13	global	global	PROPN
ajbmeb-2216	217	14	journal	journal	PROPN
ajbmeb-2216	217	15	of	of	ADP
ajbmeb-2216	217	16	information	information	NOUN
ajbmeb-2216	217	17	technology	technology	NOUN
ajbmeb-2216	217	18	.	.	PUNCT
ajbmeb-2216	218	1	number	number	NOUN
ajbmeb-2216	218	2	5(2	5(2	NUM
ajbmeb-2216	218	3	)	)	PUNCT
ajbmeb-2216	218	4	,	,	PUNCT
ajbmeb-2216	218	5	2015	2015	NUM
ajbmeb-2216	218	6	.	.	PUNCT
ajbmeb-2216	219	1	–	–	PUNCT
ajbmeb-2216	219	2	62	62	NUM
ajbmeb-2216	219	3	-	-	SYM
ajbmeb-2216	219	4	70	70	NUM
ajbmeb-2216	219	5	р	р	NOUN
ajbmeb-2216	219	6	.	.	PROPN
ajbmeb-2216	219	7	17	17	NUM
ajbmeb-2216	219	8	.	.	PUNCT
ajbmeb-2216	220	1	cano	cano	PROPN
ajbmeb-2216	220	2	m.d	m.d	PROPN
ajbmeb-2216	220	3	.	.	PROPN
ajbmeb-2216	220	4	,	,	PUNCT
ajbmeb-2216	220	5	domenech	domenech	PROPN
ajbmeb-2216	220	6	-	-	PUNCT
ajbmeb-2216	220	7	asensi	asensi	PROPN
ajbmeb-2216	220	8	g.	g.	NOUN
ajbmeb-2216	220	9	a	a	DET
ajbmeb-2216	220	10	security	security	NOUN
ajbmeb-2216	220	11	energy	energy	NOUN
ajbmeb-2216	220	12	-	-	PUNCT
ajbmeb-2216	220	13	efficient	efficient	ADJ
ajbmeb-2216	220	14	m	m	ADJ
ajbmeb-2216	220	15	-	-	ADJ
ajbmeb-2216	220	16	banking	banking	NOUN
ajbmeb-2216	220	17	application	application	NOUN
ajbmeb-2216	220	18	for	for	ADP
ajbmeb-2216	220	19	mobile	mobile	ADJ
ajbmeb-2216	220	20	devices	device	NOUN
ajbmeb-2216	220	21	//	//	PUNCT
ajbmeb-2216	220	22	the	the	DET
ajbmeb-2216	220	23	journal	journal	PROPN
ajbmeb-2216	220	24	of	of	ADP
ajbmeb-2216	220	25	systems	system	NOUN
ajbmeb-2216	220	26	and	and	CCONJ
ajbmeb-2216	220	27	software	software	NOUN
ajbmeb-2216	220	28	.	.	PUNCT
ajbmeb-2216	221	1	number	number	NOUN
ajbmeb-2216	221	2	84	84	NUM
ajbmeb-2216	221	3	,	,	PUNCT
ajbmeb-2216	221	4	2011	2011	NUM
ajbmeb-2216	221	5	.	.	PUNCT
ajbmeb-2216	222	1	–	–	PUNCT
ajbmeb-2216	222	2	1899	1899	NUM
ajbmeb-2216	222	3	-	-	SYM
ajbmeb-2216	222	4	1909	1909	NUM
ajbmeb-2216	222	5	р	р	NOUN
ajbmeb-2216	222	6	.	.	PROPN
ajbmeb-2216	222	7	18	18	NUM
ajbmeb-2216	222	8	.	.	PUNCT
ajbmeb-2216	223	1	azamat	azamat	PROPN
ajbmeb-2216	223	2	k.	k.	PROPN
ajbmeb-2216	223	3	et	et	PROPN
ajbmeb-2216	224	1	al	al	PROPN
ajbmeb-2216	224	2	.	.	PUNCT
ajbmeb-2216	225	1	improving	improve	VERB
ajbmeb-2216	225	2	the	the	DET
ajbmeb-2216	225	3	investment	investment	NOUN
ajbmeb-2216	225	4	environment	environment	NOUN
ajbmeb-2216	225	5	in	in	ADP
ajbmeb-2216	225	6	the	the	DET
ajbmeb-2216	225	7	country	country	NOUN
ajbmeb-2216	225	8	:	:	PUNCT
ajbmeb-2216	225	9	the	the	DET
ajbmeb-2216	225	10	role	role	NOUN
ajbmeb-2216	225	11	and	and	CCONJ
ajbmeb-2216	225	12	analysis	analysis	NOUN
ajbmeb-2216	225	13	of	of	ADP
ajbmeb-2216	225	14	banks	bank	NOUN
ajbmeb-2216	225	15	in	in	ADP
ajbmeb-2216	225	16	the	the	DET
ajbmeb-2216	225	17	modernization	modernization	NOUN
ajbmeb-2216	225	18	of	of	ADP
ajbmeb-2216	225	19	industry	industry	NOUN
ajbmeb-2216	225	20	//journal	//journal	PUNCT
ajbmeb-2216	225	21	of	of	ADP
ajbmeb-2216	225	22	positive	positive	ADJ
ajbmeb-2216	225	23	school	school	NOUN
ajbmeb-2216	225	24	psychology	psychology	NOUN
ajbmeb-2216	225	25	.	.	PUNCT
ajbmeb-2216	226	1	–	–	PUNCT
ajbmeb-2216	226	2	2022	2022	NUM
ajbmeb-2216	226	3	.	.	PUNCT
ajbmeb-2216	227	1	–	–	PUNCT
ajbmeb-2216	227	2	т	т	X
ajbmeb-2216	227	3	.	.	NOUN
ajbmeb-2216	227	4	6	6	NUM
ajbmeb-2216	227	5	.	.	X
ajbmeb-2216	227	6	–	–	PUNCT
ajbmeb-2216	227	7	№	№	NOUN
ajbmeb-2216	227	8	.	.	PUNCT
ajbmeb-2216	228	1	10	10	NUM
ajbmeb-2216	228	2	.	.	PUNCT
ajbmeb-2216	228	3	–	–	PUNCT
ajbmeb-2216	228	4	с	с	PROPN
ajbmeb-2216	228	5	.	.	PROPN
ajbmeb-2216	228	6	2220	2220	NUM
ajbmeb-2216	228	7	-	-	SYM
ajbmeb-2216	228	8	2227	2227	NUM
ajbmeb-2216	228	9	.	.	PUNCT
ajbmeb-2216	229	1	19	19	NUM
ajbmeb-2216	229	2	.	.	PUNCT
ajbmeb-2216	229	3	dahlberg	dahlberg	PROPN
ajbmeb-2216	229	4	t.	t.	PROPN
ajbmeb-2216	229	5	,	,	PUNCT
ajbmeb-2216	229	6	mallat	mallat	ADJ
ajbmeb-2216	229	7	n.	n.	NOUN
ajbmeb-2216	229	8	,	,	PUNCT
ajbmeb-2216	229	9	ondrus	ondrus	NOUN
ajbmeb-2216	229	10	j.	j.	PROPN
ajbmeb-2216	229	11	,	,	PUNCT
ajbmeb-2216	229	12	zmijewska	zmijewska	PROPN
ajbmeb-2216	229	13	a.	a.	PROPN
ajbmeb-2216	229	14	past	past	NOUN
ajbmeb-2216	229	15	,	,	PUNCT
ajbmeb-2216	229	16	present	present	ADJ
ajbmeb-2216	229	17	and	and	CCONJ
ajbmeb-2216	229	18	future	future	NOUN
ajbmeb-2216	229	19	of	of	ADP
ajbmeb-2216	229	20	mobile	mobile	ADJ
ajbmeb-2216	229	21	payments	payment	NOUN
ajbmeb-2216	229	22	research	research	NOUN
ajbmeb-2216	229	23	:	:	PUNCT
ajbmeb-2216	229	24	a	a	DET
ajbmeb-2216	229	25	literature	literature	NOUN
ajbmeb-2216	229	26	review	review	NOUN
ajbmeb-2216	229	27	//	//	NUM
ajbmeb-2216	229	28	electronic	electronic	PROPN
ajbmeb-2216	229	29	commerce	commerce	NOUN
ajbmeb-2216	229	30	research	research	NOUN
ajbmeb-2216	229	31	and	and	CCONJ
ajbmeb-2216	229	32	applications	application	NOUN
ajbmeb-2216	229	33	,	,	PUNCT
ajbmeb-2216	229	34	number	number	NOUN
ajbmeb-2216	229	35	7(2	7(2	NUM
ajbmeb-2216	229	36	)	)	PUNCT
ajbmeb-2216	229	37	,	,	PUNCT
ajbmeb-2216	229	38	2008	2008	NUM
ajbmeb-2216	229	39	.	.	PUNCT
ajbmeb-2216	230	1	–	–	PUNCT
ajbmeb-2216	230	2	165	165	NUM
ajbmeb-2216	230	3	-	-	SYM
ajbmeb-2216	230	4	181	181	NUM
ajbmeb-2216	230	5	р	р	NOUN
ajbmeb-2216	230	6	.	.	PROPN
ajbmeb-2216	230	7	20	20	NUM
ajbmeb-2216	230	8	.	.	PUNCT
ajbmeb-2216	231	1	kemp	kemp	PROPN
ajbmeb-2216	231	2	r.	r.	PROPN
ajbmeb-2216	231	3	mobile	mobile	PROPN
ajbmeb-2216	231	4	payments	payment	NOUN
ajbmeb-2216	231	5	:	:	PUNCT
ajbmeb-2216	231	6	current	current	ADJ
ajbmeb-2216	231	7	and	and	CCONJ
ajbmeb-2216	231	8	emerging	emerge	VERB
ajbmeb-2216	231	9	regulatory	regulatory	ADJ
ajbmeb-2216	231	10	and	and	CCONJ
ajbmeb-2216	231	11	contracting	contracting	NOUN
ajbmeb-2216	231	12	issues	issue	NOUN
ajbmeb-2216	231	13	//	//	SYM
ajbmeb-2216	231	14	electronic	electronic	PROPN
ajbmeb-2216	231	15	commerce	commerce	NOUN
ajbmeb-2216	231	16	research	research	NOUN
ajbmeb-2216	231	17	and	and	CCONJ
ajbmeb-2216	231	18	applications	application	NOUN
ajbmeb-2216	231	19	,	,	PUNCT
ajbmeb-2216	231	20	number	number	NOUN
ajbmeb-2216	231	21	7(2	7(2	NUM
ajbmeb-2216	231	22	)	)	PUNCT
ajbmeb-2216	231	23	,	,	PUNCT
ajbmeb-2216	231	24	2008	2008	NUM
ajbmeb-2216	231	25	.	.	PUNCT
ajbmeb-2216	232	1	–	–	PUNCT
ajbmeb-2216	232	2	165	165	NUM
ajbmeb-2216	232	3	-	-	SYM
ajbmeb-2216	232	4	181	181	NUM
ajbmeb-2216	232	5	р	р	NOUN
ajbmeb-2216	232	6	.	.	PROPN
ajbmeb-2216	232	7	21	21	NUM
ajbmeb-2216	232	8	.	.	PUNCT
ajbmeb-2216	233	1	shaikh	shaikh	PROPN
ajbmeb-2216	233	2	a.a	a.a	PROPN
ajbmeb-2216	233	3	.	.	PROPN
ajbmeb-2216	233	4	,	,	PUNCT
ajbmeb-2216	233	5	karjaluoto	karjaluoto	PROPN
ajbmeb-2216	233	6	h.	h.	PROPN
ajbmeb-2216	233	7	making	make	VERB
ajbmeb-2216	233	8	the	the	DET
ajbmeb-2216	233	9	most	most	ADJ
ajbmeb-2216	233	10	of	of	ADP
ajbmeb-2216	233	11	information	information	NOUN
ajbmeb-2216	233	12	technology	technology	NOUN
ajbmeb-2216	233	13	and	and	CCONJ
ajbmeb-2216	233	14	systems	system	NOUN
ajbmeb-2216	233	15	usage	usage	NOUN
ajbmeb-2216	233	16	:	:	PUNCT
ajbmeb-2216	233	17	a	a	DET
ajbmeb-2216	233	18	literature	literature	NOUN
ajbmeb-2216	233	19	review	review	NOUN
ajbmeb-2216	233	20	,	,	PUNCT
ajbmeb-2216	233	21	framework	framework	NOUN
ajbmeb-2216	233	22	and	and	CCONJ
ajbmeb-2216	233	23	future	future	ADJ
ajbmeb-2216	233	24	research	research	NOUN
ajbmeb-2216	233	25	agenda	agenda	NOUN
ajbmeb-2216	233	26	//	//	NUM
ajbmeb-2216	233	27	computers	computer	NOUN
ajbmeb-2216	233	28	in	in	ADP
ajbmeb-2216	233	29	human	human	ADJ
ajbmeb-2216	233	30	behaviour	behaviour	NOUN
ajbmeb-2216	233	31	,	,	PUNCT
ajbmeb-2216	233	32	number	number	NOUN
ajbmeb-2216	233	33	40	40	NUM
ajbmeb-2216	233	34	,	,	PUNCT
ajbmeb-2216	233	35	2015	2015	NUM
ajbmeb-2216	233	36	.	.	PUNCT
ajbmeb-2216	234	1	–	–	PUNCT
ajbmeb-2216	234	2	541	541	NUM
ajbmeb-2216	234	3	-	-	SYM
ajbmeb-2216	234	4	566	566	NUM
ajbmeb-2216	234	5	р	р	NOUN
ajbmeb-2216	234	6	.	.	PROPN
ajbmeb-2216	234	7	22	22	NUM
ajbmeb-2216	234	8	.	.	PUNCT
ajbmeb-2216	235	1	tan	tan	PROPN
ajbmeb-2216	235	2	g.w.h	g.w.h	ADJ
ajbmeb-2216	235	3	.	.	PUNCT
ajbmeb-2216	236	1	nfc	nfc	NOUN
ajbmeb-2216	236	2	mobile	mobile	ADJ
ajbmeb-2216	236	3	credit	credit	NOUN
ajbmeb-2216	236	4	card	card	NOUN
ajbmeb-2216	236	5	:	:	PUNCT
ajbmeb-2216	236	6	the	the	DET
ajbmeb-2216	236	7	next	next	ADJ
ajbmeb-2216	236	8	frontier	frontier	NOUN
ajbmeb-2216	236	9	of	of	ADP
ajbmeb-2216	236	10	mobile	mobile	ADJ
ajbmeb-2216	236	11	payment	payment	NOUN
ajbmeb-2216	236	12	//	//	NUM
ajbmeb-2216	236	13	telematics	telematic	NOUN
ajbmeb-2216	236	14	and	and	CCONJ
ajbmeb-2216	236	15	informatic	informatic	ADJ
ajbmeb-2216	236	16	,	,	PUNCT
ajbmeb-2216	236	17	number	number	NOUN
ajbmeb-2216	236	18	31(2	31(2	NUM
ajbmeb-2216	236	19	)	)	PUNCT
ajbmeb-2216	236	20	,	,	PUNCT
ajbmeb-2216	236	21	2014	2014	NUM
ajbmeb-2216	236	22	.	.	PUNCT
ajbmeb-2216	237	1	–	–	PUNCT
ajbmeb-2216	237	2	292	292	NUM
ajbmeb-2216	237	3	-	-	SYM
ajbmeb-2216	237	4	307	307	NUM
ajbmeb-2216	237	5	р	р	NOUN
ajbmeb-2216	237	6	.	.	PROPN
ajbmeb-2216	237	7	23	23	NUM
ajbmeb-2216	237	8	.	.	PUNCT
ajbmeb-2216	237	9	yu	yu	PROPN
ajbmeb-2216	237	10	c.s	c.s	PROPN
ajbmeb-2216	237	11	.	.	PROPN
ajbmeb-2216	237	12	factors	factor	NOUN
ajbmeb-2216	237	13	affecting	affect	VERB
ajbmeb-2216	237	14	individuals	individual	NOUN
ajbmeb-2216	237	15	to	to	PART
ajbmeb-2216	237	16	adopt	adopt	VERB
ajbmeb-2216	237	17	mobile	mobile	ADJ
ajbmeb-2216	237	18	banking	banking	NOUN
ajbmeb-2216	237	19	:	:	PUNCT
ajbmeb-2216	237	20	empirical	empirical	ADJ
ajbmeb-2216	237	21	evidence	evidence	NOUN
ajbmeb-2216	237	22	from	from	ADP
ajbmeb-2216	237	23	the	the	DET
ajbmeb-2216	237	24	utaut	utaut	PROPN
ajbmeb-2216	237	25	model	model	PROPN
ajbmeb-2216	237	26	//	//	PROPN
ajbmeb-2216	237	27	journal	journal	PROPN
ajbmeb-2216	237	28	of	of	ADP
ajbmeb-2216	237	29	electronic	electronic	ADJ
ajbmeb-2216	237	30	commerce	commerce	NOUN
ajbmeb-2216	237	31	research	research	NOUN
ajbmeb-2216	237	32	,	,	PUNCT
ajbmeb-2216	237	33	number	number	NOUN
ajbmeb-2216	237	34	13(2	13(2	PROPN
ajbmeb-2216	237	35	)	)	PUNCT
ajbmeb-2216	237	36	,	,	PUNCT
ajbmeb-2216	237	37	2012	2012	NUM
ajbmeb-2216	237	38	.	.	PUNCT
ajbmeb-2216	238	1	–	–	PUNCT
ajbmeb-2216	238	2	104	104	NUM
ajbmeb-2216	238	3	-	-	SYM
ajbmeb-2216	238	4	121	121	NUM
ajbmeb-2216	238	5	р	р	NOUN
ajbmeb-2216	238	6	.	.	PUNCT