id	sid	tid	token	lemma	pos
ajbmeb-2673	1	1	american	american	PROPN
ajbmeb-2673	1	2	journal	journal	PROPN
ajbmeb-2673	1	3	of	of	ADP
ajbmeb-2673	1	4	business	business	NOUN
ajbmeb-2673	1	5	management	management	NOUN
ajbmeb-2673	1	6	,	,	PUNCT
ajbmeb-2673	1	7	economics	economic	NOUN
ajbmeb-2673	1	8	and	and	CCONJ
ajbmeb-2673	1	9	banking	banking	NOUN
ajbmeb-2673	1	10	issn	issn	PROPN
ajbmeb-2673	1	11	(	(	PUNCT
ajbmeb-2673	1	12	e	e	NOUN
ajbmeb-2673	1	13	):	):	PUNCT
ajbmeb-2673	1	14	2832	2832	NUM
ajbmeb-2673	1	15	-	-	SYM
ajbmeb-2673	1	16	8078	8078	NUM
ajbmeb-2673	1	17	volume	volume	NOUN
ajbmeb-2673	1	18	32	32	NUM
ajbmeb-2673	1	19	,	,	PUNCT
ajbmeb-2673	1	20	|	|	ADV
ajbmeb-2673	1	21	january	january	PROPN
ajbmeb-2673	1	22	2025	2025	NUM
ajbmeb-2673	1	23	p	p	NOUN
ajbmeb-2673	1	24	a	a	DET
ajbmeb-2673	1	25	g	g	NOUN
ajbmeb-2673	1	26	e	e	NOUN
ajbmeb-2673	1	27	|	|	ADV
ajbmeb-2673	1	28	85	85	NUM
ajbmeb-2673	1	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2673	1	30	prospects	prospect	NOUN
ajbmeb-2673	1	31	for	for	ADP
ajbmeb-2673	1	32	improving	improve	VERB
ajbmeb-2673	1	33	and	and	CCONJ
ajbmeb-2673	1	34	developing	develop	VERB
ajbmeb-2673	1	35	online	online	ADJ
ajbmeb-2673	1	36	banking	banking	NOUN
ajbmeb-2673	1	37	services	service	NOUN
ajbmeb-2673	1	38	in	in	ADP
ajbmeb-2673	1	39	commercial	commercial	ADJ
ajbmeb-2673	1	40	banks	bank	NOUN
ajbmeb-2673	1	41	of	of	ADP
ajbmeb-2673	1	42	the	the	DET
ajbmeb-2673	1	43	republic	republic	NOUN
ajbmeb-2673	1	44	of	of	ADP
ajbmeb-2673	1	45	uzbekistan	uzbekistan	PROPN
ajbmeb-2673	1	46	ismoilov	ismoilov	PROPN
ajbmeb-2673	1	47	mirshokh	mirshokh	ADJ
ajbmeb-2673	1	48	valijon	valijon	NOUN
ajbmeb-2673	1	49	ugli	ugli	ADJ
ajbmeb-2673	1	50	the	the	DET
ajbmeb-2673	1	51	head	head	NOUN
ajbmeb-2673	1	52	of	of	ADP
ajbmeb-2673	1	53	the	the	DET
ajbmeb-2673	1	54	sales	sale	NOUN
ajbmeb-2673	1	55	department	department	PROPN
ajbmeb-2673	1	56	hayot	hayot	PROPN
ajbmeb-2673	1	57	bank	bank	PROPN
ajbmeb-2673	1	58	aj	aj	PROPN
ajbmeb-2673	1	59	oybek	oybek	ADJ
ajbmeb-2673	1	60	bxm	bxm	NOUN
ajbmeb-2673	1	61	chakana	chakana	NOUN
ajbmeb-2673	1	62	a	a	DET
ajbmeb-2673	1	63	b	b	PROPN
ajbmeb-2673	1	64	s	s	ADP
ajbmeb-2673	1	65	t	t	PROPN
ajbmeb-2673	1	66	r	r	NOUN
ajbmeb-2673	1	67	a	a	DET
ajbmeb-2673	1	68	c	c	NOUN
ajbmeb-2673	1	69	t	t	NOUN
ajbmeb-2673	1	70	k	k	X
ajbmeb-2673	1	71	e	e	PROPN
ajbmeb-2673	1	72	y	y	PROPN
ajbmeb-2673	1	73	w	w	NOUN
ajbmeb-2673	1	74	o	o	NOUN
ajbmeb-2673	1	75	r	r	NOUN
ajbmeb-2673	1	76	d	d	X
ajbmeb-2673	1	77	s	s	VERB
ajbmeb-2673	1	78	the	the	DET
ajbmeb-2673	1	79	article	article	NOUN
ajbmeb-2673	1	80	examines	examine	VERB
ajbmeb-2673	1	81	the	the	DET
ajbmeb-2673	1	82	prospects	prospect	NOUN
ajbmeb-2673	1	83	for	for	ADP
ajbmeb-2673	1	84	improving	improve	VERB
ajbmeb-2673	1	85	and	and	CCONJ
ajbmeb-2673	1	86	developing	develop	VERB
ajbmeb-2673	1	87	online	online	ADJ
ajbmeb-2673	1	88	banking	banking	NOUN
ajbmeb-2673	1	89	services	service	NOUN
ajbmeb-2673	1	90	in	in	ADP
ajbmeb-2673	1	91	commercial	commercial	ADJ
ajbmeb-2673	1	92	banks	bank	NOUN
ajbmeb-2673	1	93	of	of	ADP
ajbmeb-2673	1	94	the	the	DET
ajbmeb-2673	1	95	republic	republic	NOUN
ajbmeb-2673	1	96	of	of	ADP
ajbmeb-2673	1	97	uzbekistan	uzbekistan	PROPN
ajbmeb-2673	1	98	,	,	PUNCT
ajbmeb-2673	1	99	their	their	PRON
ajbmeb-2673	1	100	remote	remote	ADJ
ajbmeb-2673	1	101	services	service	NOUN
ajbmeb-2673	1	102	while	while	SCONJ
ajbmeb-2673	1	103	maintaining	maintain	VERB
ajbmeb-2673	1	104	reliability	reliability	NOUN
ajbmeb-2673	1	105	.	.	PUNCT
ajbmeb-2673	2	1	online	online	ADJ
ajbmeb-2673	2	2	banking	banking	NOUN
ajbmeb-2673	2	3	,	,	PUNCT
ajbmeb-2673	2	4	remote	remote	ADJ
ajbmeb-2673	2	5	service	service	NOUN
ajbmeb-2673	2	6	,	,	PUNCT
ajbmeb-2673	2	7	security	security	NOUN
ajbmeb-2673	2	8	,	,	PUNCT
ajbmeb-2673	2	9	money	money	NOUN
ajbmeb-2673	2	10	transfers	transfer	NOUN
ajbmeb-2673	2	11	,	,	PUNCT
ajbmeb-2673	2	12	transformation	transformation	NOUN
ajbmeb-2673	2	13	,	,	PUNCT
ajbmeb-2673	2	14	technologies	technology	NOUN
ajbmeb-2673	2	15	.	.	PUNCT
ajbmeb-2673	3	1	introduction	introduction	NOUN
ajbmeb-2673	3	2	provision	provision	NOUN
ajbmeb-2673	3	3	of	of	ADP
ajbmeb-2673	3	4	banking	banking	NOUN
ajbmeb-2673	3	5	services	service	NOUN
ajbmeb-2673	3	6	is	be	AUX
ajbmeb-2673	3	7	the	the	DET
ajbmeb-2673	3	8	main	main	ADJ
ajbmeb-2673	3	9	activity	activity	NOUN
ajbmeb-2673	3	10	of	of	ADP
ajbmeb-2673	3	11	any	any	DET
ajbmeb-2673	3	12	bank	bank	NOUN
ajbmeb-2673	3	13	.	.	PUNCT
ajbmeb-2673	4	1	in	in	ADP
ajbmeb-2673	4	2	order	order	NOUN
ajbmeb-2673	4	3	to	to	PART
ajbmeb-2673	4	4	make	make	VERB
ajbmeb-2673	4	5	a	a	DET
ajbmeb-2673	4	6	profit	profit	NOUN
ajbmeb-2673	4	7	,	,	PUNCT
ajbmeb-2673	4	8	a	a	DET
ajbmeb-2673	4	9	banking	banking	NOUN
ajbmeb-2673	4	10	institution	institution	NOUN
ajbmeb-2673	4	11	must	must	AUX
ajbmeb-2673	4	12	create	create	VERB
ajbmeb-2673	4	13	its	its	PRON
ajbmeb-2673	4	14	own	own	ADJ
ajbmeb-2673	4	15	service	service	NOUN
ajbmeb-2673	4	16	that	that	PRON
ajbmeb-2673	4	17	the	the	DET
ajbmeb-2673	4	18	client	client	NOUN
ajbmeb-2673	4	19	needs	need	VERB
ajbmeb-2673	4	20	,	,	PUNCT
ajbmeb-2673	4	21	determine	determine	VERB
ajbmeb-2673	4	22	its	its	PRON
ajbmeb-2673	4	23	price	price	NOUN
ajbmeb-2673	4	24	,	,	PUNCT
ajbmeb-2673	4	25	enter	enter	VERB
ajbmeb-2673	4	26	the	the	DET
ajbmeb-2673	4	27	market	market	NOUN
ajbmeb-2673	4	28	with	with	ADP
ajbmeb-2673	4	29	it	it	PRON
ajbmeb-2673	4	30	and	and	CCONJ
ajbmeb-2673	4	31	sell	sell	VERB
ajbmeb-2673	4	32	it	it	PRON
ajbmeb-2673	4	33	.	.	PUNCT
ajbmeb-2673	5	1	fierce	fierce	ADJ
ajbmeb-2673	5	2	competition	competition	NOUN
ajbmeb-2673	5	3	in	in	ADP
ajbmeb-2673	5	4	the	the	DET
ajbmeb-2673	5	5	banking	banking	NOUN
ajbmeb-2673	5	6	sector	sector	NOUN
ajbmeb-2673	5	7	dictates	dictate	VERB
ajbmeb-2673	5	8	its	its	PRON
ajbmeb-2673	5	9	own	own	ADJ
ajbmeb-2673	5	10	terms	term	NOUN
ajbmeb-2673	5	11	to	to	ADP
ajbmeb-2673	5	12	banks	bank	NOUN
ajbmeb-2673	5	13	.	.	PUNCT
ajbmeb-2673	6	1	it	it	PRON
ajbmeb-2673	6	2	is	be	AUX
ajbmeb-2673	6	3	not	not	PART
ajbmeb-2673	6	4	enough	enough	ADJ
ajbmeb-2673	6	5	for	for	SCONJ
ajbmeb-2673	6	6	clients	client	NOUN
ajbmeb-2673	6	7	to	to	PART
ajbmeb-2673	6	8	simply	simply	ADV
ajbmeb-2673	6	9	receive	receive	VERB
ajbmeb-2673	6	10	a	a	DET
ajbmeb-2673	6	11	banking	banking	NOUN
ajbmeb-2673	6	12	product	product	NOUN
ajbmeb-2673	6	13	;	;	PUNCT
ajbmeb-2673	6	14	they	they	PRON
ajbmeb-2673	6	15	are	be	AUX
ajbmeb-2673	6	16	interested	interested	ADJ
ajbmeb-2673	6	17	in	in	ADP
ajbmeb-2673	6	18	the	the	DET
ajbmeb-2673	6	19	quality	quality	NOUN
ajbmeb-2673	6	20	of	of	ADP
ajbmeb-2673	6	21	the	the	DET
ajbmeb-2673	6	22	service	service	NOUN
ajbmeb-2673	6	23	provided	provide	VERB
ajbmeb-2673	6	24	and	and	CCONJ
ajbmeb-2673	6	25	the	the	DET
ajbmeb-2673	6	26	time	time	NOUN
ajbmeb-2673	6	27	spent	spend	VERB
ajbmeb-2673	6	28	on	on	ADP
ajbmeb-2673	6	29	receiving	receive	VERB
ajbmeb-2673	6	30	it	it	PRON
ajbmeb-2673	6	31	.	.	PUNCT
ajbmeb-2673	7	1	it	it	PRON
ajbmeb-2673	7	2	is	be	AUX
ajbmeb-2673	7	3	equally	equally	ADV
ajbmeb-2673	7	4	important	important	ADJ
ajbmeb-2673	7	5	that	that	SCONJ
ajbmeb-2673	7	6	the	the	DET
ajbmeb-2673	7	7	banking	banking	NOUN
ajbmeb-2673	7	8	service	service	NOUN
ajbmeb-2673	7	9	has	have	VERB
ajbmeb-2673	7	10	the	the	DET
ajbmeb-2673	7	11	necessary	necessary	ADJ
ajbmeb-2673	7	12	characteristics	characteristic	NOUN
ajbmeb-2673	7	13	and	and	CCONJ
ajbmeb-2673	7	14	will	will	AUX
ajbmeb-2673	7	15	ultimately	ultimately	ADV
ajbmeb-2673	7	16	be	be	AUX
ajbmeb-2673	7	17	able	able	ADJ
ajbmeb-2673	7	18	to	to	PART
ajbmeb-2673	7	19	satisfy	satisfy	VERB
ajbmeb-2673	7	20	all	all	DET
ajbmeb-2673	7	21	the	the	DET
ajbmeb-2673	7	22	client	client	NOUN
ajbmeb-2673	7	23	's	's	PART
ajbmeb-2673	7	24	needs	need	NOUN
ajbmeb-2673	7	25	.	.	PUNCT
ajbmeb-2673	8	1	for	for	ADP
ajbmeb-2673	8	2	the	the	DET
ajbmeb-2673	8	3	bank	bank	NOUN
ajbmeb-2673	8	4	,	,	PUNCT
ajbmeb-2673	8	5	in	in	ADP
ajbmeb-2673	8	6	turn	turn	NOUN
ajbmeb-2673	8	7	,	,	PUNCT
ajbmeb-2673	8	8	the	the	DET
ajbmeb-2673	8	9	competitiveness	competitiveness	NOUN
ajbmeb-2673	8	10	of	of	ADP
ajbmeb-2673	8	11	the	the	DET
ajbmeb-2673	8	12	banking	banking	NOUN
ajbmeb-2673	8	13	service	service	NOUN
ajbmeb-2673	8	14	is	be	AUX
ajbmeb-2673	8	15	important	important	ADJ
ajbmeb-2673	8	16	,	,	PUNCT
ajbmeb-2673	8	17	which	which	PRON
ajbmeb-2673	8	18	,	,	PUNCT
ajbmeb-2673	8	19	unlike	unlike	ADP
ajbmeb-2673	8	20	quality	quality	NOUN
ajbmeb-2673	8	21	,	,	PUNCT
ajbmeb-2673	8	22	determines	determine	VERB
ajbmeb-2673	8	23	a	a	DET
ajbmeb-2673	8	24	set	set	NOUN
ajbmeb-2673	8	25	of	of	ADP
ajbmeb-2673	8	26	consumer	consumer	NOUN
ajbmeb-2673	8	27	and	and	CCONJ
ajbmeb-2673	8	28	cost	cost	NOUN
ajbmeb-2673	8	29	characteristics	characteristic	NOUN
ajbmeb-2673	8	30	of	of	ADP
ajbmeb-2673	8	31	the	the	DET
ajbmeb-2673	8	32	banking	banking	NOUN
ajbmeb-2673	8	33	service	service	NOUN
ajbmeb-2673	8	34	that	that	PRON
ajbmeb-2673	8	35	determine	determine	VERB
ajbmeb-2673	8	36	its	its	PRON
ajbmeb-2673	8	37	success	success	NOUN
ajbmeb-2673	8	38	in	in	ADP
ajbmeb-2673	8	39	the	the	DET
ajbmeb-2673	8	40	market	market	NOUN
ajbmeb-2673	8	41	.	.	PUNCT
ajbmeb-2673	9	1	that	that	PRON
ajbmeb-2673	9	2	is	is	ADV
ajbmeb-2673	9	3	,	,	PUNCT
ajbmeb-2673	9	4	the	the	DET
ajbmeb-2673	9	5	advantage	advantage	NOUN
ajbmeb-2673	9	6	of	of	ADP
ajbmeb-2673	9	7	this	this	DET
ajbmeb-2673	9	8	particular	particular	ADJ
ajbmeb-2673	9	9	banking	banking	NOUN
ajbmeb-2673	9	10	service	service	NOUN
ajbmeb-2673	9	11	over	over	ADP
ajbmeb-2673	9	12	others	other	NOUN
ajbmeb-2673	9	13	in	in	ADP
ajbmeb-2673	9	14	the	the	DET
ajbmeb-2673	9	15	context	context	NOUN
ajbmeb-2673	9	16	of	of	ADP
ajbmeb-2673	9	17	a	a	DET
ajbmeb-2673	9	18	wide	wide	ADJ
ajbmeb-2673	9	19	offer	offer	NOUN
ajbmeb-2673	9	20	of	of	ADP
ajbmeb-2673	9	21	competing	compete	VERB
ajbmeb-2673	9	22	similar	similar	ADJ
ajbmeb-2673	9	23	banking	banking	NOUN
ajbmeb-2673	9	24	services	service	NOUN
ajbmeb-2673	9	25	.	.	PUNCT
ajbmeb-2673	10	1	the	the	DET
ajbmeb-2673	10	2	impetus	impetus	NOUN
ajbmeb-2673	10	3	for	for	ADP
ajbmeb-2673	10	4	the	the	DET
ajbmeb-2673	10	5	emergence	emergence	NOUN
ajbmeb-2673	10	6	of	of	ADP
ajbmeb-2673	10	7	new	new	ADJ
ajbmeb-2673	10	8	banking	banking	NOUN
ajbmeb-2673	10	9	services	service	NOUN
ajbmeb-2673	10	10	,	,	PUNCT
ajbmeb-2673	10	11	as	as	ADV
ajbmeb-2673	10	12	well	well	ADV
ajbmeb-2673	10	13	as	as	ADP
ajbmeb-2673	10	14	the	the	DET
ajbmeb-2673	10	15	strengthening	strengthening	NOUN
ajbmeb-2673	10	16	of	of	ADP
ajbmeb-2673	10	17	the	the	DET
ajbmeb-2673	10	18	role	role	NOUN
ajbmeb-2673	10	19	of	of	ADP
ajbmeb-2673	10	20	banks	bank	NOUN
ajbmeb-2673	10	21	in	in	ADP
ajbmeb-2673	10	22	the	the	DET
ajbmeb-2673	10	23	economic	economic	ADJ
ajbmeb-2673	10	24	life	life	NOUN
ajbmeb-2673	10	25	of	of	ADP
ajbmeb-2673	10	26	society	society	NOUN
ajbmeb-2673	10	27	,	,	PUNCT
ajbmeb-2673	10	28	are	be	AUX
ajbmeb-2673	10	29	associated	associate	VERB
ajbmeb-2673	10	30	with	with	ADP
ajbmeb-2673	10	31	a	a	DET
ajbmeb-2673	10	32	change	change	NOUN
ajbmeb-2673	10	33	in	in	ADP
ajbmeb-2673	10	34	the	the	DET
ajbmeb-2673	10	35	material	material	NOUN
ajbmeb-2673	10	36	form	form	NOUN
ajbmeb-2673	10	37	of	of	ADP
ajbmeb-2673	10	38	money	money	NOUN
ajbmeb-2673	10	39	.	.	PUNCT
ajbmeb-2673	11	1	namely	namely	ADV
ajbmeb-2673	11	2	,	,	PUNCT
ajbmeb-2673	11	3	the	the	DET
ajbmeb-2673	11	4	widespread	widespread	ADJ
ajbmeb-2673	11	5	use	use	NOUN
ajbmeb-2673	11	6	of	of	ADP
ajbmeb-2673	11	7	non	non	ADJ
ajbmeb-2673	11	8	-	-	ADJ
ajbmeb-2673	11	9	cash	cash	ADJ
ajbmeb-2673	11	10	funds	fund	NOUN
ajbmeb-2673	11	11	and	and	CCONJ
ajbmeb-2673	11	12	settlements	settlement	NOUN
ajbmeb-2673	11	13	.	.	PUNCT
ajbmeb-2673	12	1	changes	change	NOUN
ajbmeb-2673	12	2	in	in	ADP
ajbmeb-2673	12	3	customer	customer	NOUN
ajbmeb-2673	12	4	needs	need	NOUN
ajbmeb-2673	12	5	and	and	CCONJ
ajbmeb-2673	12	6	the	the	DET
ajbmeb-2673	12	7	possibilities	possibility	NOUN
ajbmeb-2673	12	8	of	of	ADP
ajbmeb-2673	12	9	banking	banking	NOUN
ajbmeb-2673	12	10	services	service	NOUN
ajbmeb-2673	12	11	lead	lead	VERB
ajbmeb-2673	12	12	to	to	ADP
ajbmeb-2673	12	13	a	a	DET
ajbmeb-2673	12	14	certain	certain	ADJ
ajbmeb-2673	12	15	reorganization	reorganization	NOUN
ajbmeb-2673	12	16	of	of	ADP
ajbmeb-2673	12	17	their	their	PRON
ajbmeb-2673	12	18	distribution	distribution	NOUN
ajbmeb-2673	12	19	channels	channel	NOUN
ajbmeb-2673	12	20	.	.	PUNCT
ajbmeb-2673	13	1	bankclient	bankclient	NOUN
ajbmeb-2673	13	2	cooperation	cooperation	NOUN
ajbmeb-2673	13	3	in	in	ADP
ajbmeb-2673	13	4	a	a	DET
ajbmeb-2673	13	5	stationary	stationary	ADJ
ajbmeb-2673	13	6	room	room	NOUN
ajbmeb-2673	13	7	is	be	AUX
ajbmeb-2673	13	8	losing	lose	VERB
ajbmeb-2673	13	9	its	its	PRON
ajbmeb-2673	13	10	relevance	relevance	NOUN
ajbmeb-2673	13	11	[	[	X
ajbmeb-2673	13	12	1	1	NUM
ajbmeb-2673	13	13	]	]	PUNCT
ajbmeb-2673	13	14	.	.	PUNCT
ajbmeb-2673	14	1	the	the	DET
ajbmeb-2673	14	2	client	client	NOUN
ajbmeb-2673	14	3	gets	get	VERB
ajbmeb-2673	14	4	the	the	DET
ajbmeb-2673	14	5	opportunity	opportunity	NOUN
ajbmeb-2673	14	6	to	to	PART
ajbmeb-2673	14	7	do	do	AUX
ajbmeb-2673	14	8	this	this	PRON
ajbmeb-2673	14	9	using	use	VERB
ajbmeb-2673	14	10	electronic	electronic	ADJ
ajbmeb-2673	14	11	communication	communication	NOUN
ajbmeb-2673	14	12	systems	system	NOUN
ajbmeb-2673	14	13	:	:	PUNCT
ajbmeb-2673	14	14	phone	phone	NOUN
ajbmeb-2673	14	15	,	,	PUNCT
ajbmeb-2673	14	16	tablet	tablet	NOUN
ajbmeb-2673	14	17	or	or	CCONJ
ajbmeb-2673	14	18	computer	computer	NOUN
ajbmeb-2673	14	19	.	.	PUNCT
ajbmeb-2673	15	1	at	at	ADP
ajbmeb-2673	15	2	the	the	DET
ajbmeb-2673	15	3	current	current	ADJ
ajbmeb-2673	15	4	stage	stage	NOUN
ajbmeb-2673	15	5	of	of	ADP
ajbmeb-2673	15	6	development	development	NOUN
ajbmeb-2673	15	7	,	,	PUNCT
ajbmeb-2673	15	8	for	for	ADP
ajbmeb-2673	15	9	banking	banking	NOUN
ajbmeb-2673	15	10	systems	system	NOUN
ajbmeb-2673	15	11	of	of	ADP
ajbmeb-2673	15	12	various	various	ADJ
ajbmeb-2673	15	13	countries	country	NOUN
ajbmeb-2673	15	14	of	of	ADP
ajbmeb-2673	15	15	the	the	DET
ajbmeb-2673	15	16	world	world	NOUN
ajbmeb-2673	15	17	,	,	PUNCT
ajbmeb-2673	15	18	uninterrupted	uninterrupted	ADJ
ajbmeb-2673	15	19	and	and	CCONJ
ajbmeb-2673	15	20	fast	fast	ADJ
ajbmeb-2673	15	21	processing	processing	NOUN
ajbmeb-2673	15	22	of	of	ADP
ajbmeb-2673	15	23	cash	cash	NOUN
ajbmeb-2673	15	24	and	and	CCONJ
ajbmeb-2673	15	25	information	information	NOUN
ajbmeb-2673	15	26	flows	flow	NOUN
ajbmeb-2673	15	27	is	be	AUX
ajbmeb-2673	15	28	one	one	NUM
ajbmeb-2673	15	29	of	of	ADP
ajbmeb-2673	15	30	the	the	DET
ajbmeb-2673	15	31	main	main	ADJ
ajbmeb-2673	15	32	tasks	task	NOUN
ajbmeb-2673	15	33	of	of	ADP
ajbmeb-2673	15	34	credit	credit	NOUN
ajbmeb-2673	15	35	institutions	institution	NOUN
ajbmeb-2673	15	36	.	.	PUNCT
ajbmeb-2673	16	1	the	the	DET
ajbmeb-2673	16	2	need	need	NOUN
ajbmeb-2673	16	3	to	to	PART
ajbmeb-2673	16	4	introduce	introduce	VERB
ajbmeb-2673	16	5	new	new	ADJ
ajbmeb-2673	16	6	information	information	NOUN
ajbmeb-2673	16	7	technologies	technology	NOUN
ajbmeb-2673	16	8	is	be	AUX
ajbmeb-2673	16	9	becoming	become	VERB
ajbmeb-2673	16	10	obvious	obvious	ADJ
ajbmeb-2673	16	11	.	.	PUNCT
ajbmeb-2673	17	1	various	various	ADJ
ajbmeb-2673	17	2	types	type	NOUN
ajbmeb-2673	17	3	of	of	ADP
ajbmeb-2673	17	4	online	online	ADJ
ajbmeb-2673	17	5	banking	banking	NOUN
ajbmeb-2673	17	6	services	service	NOUN
ajbmeb-2673	17	7	(	(	PUNCT
ajbmeb-2673	17	8	obs	obs	PROPN
ajbmeb-2673	17	9	)	)	PUNCT
ajbmeb-2673	17	10	are	be	AUX
ajbmeb-2673	17	11	becoming	become	VERB
ajbmeb-2673	17	12	increasingly	increasingly	ADV
ajbmeb-2673	17	13	widespread	widespread	ADJ
ajbmeb-2673	17	14	among	among	ADP
ajbmeb-2673	17	15	such	such	ADJ
ajbmeb-2673	17	16	technologies	technology	NOUN
ajbmeb-2673	17	17	of	of	ADP
ajbmeb-2673	17	18	banking	banking	NOUN
ajbmeb-2673	17	19	services	service	NOUN
ajbmeb-2673	17	20	of	of	ADP
ajbmeb-2673	17	21	commercial	commercial	ADJ
ajbmeb-2673	17	22	banks	bank	NOUN
ajbmeb-2673	17	23	.	.	PUNCT
ajbmeb-2673	18	1	american	american	PROPN
ajbmeb-2673	18	2	journal	journal	PROPN
ajbmeb-2673	18	3	of	of	ADP
ajbmeb-2673	18	4	business	business	NOUN
ajbmeb-2673	18	5	management	management	NOUN
ajbmeb-2673	18	6	,	,	PUNCT
ajbmeb-2673	18	7	economics	economic	NOUN
ajbmeb-2673	18	8	and	and	CCONJ
ajbmeb-2673	18	9	banking	banking	NOUN
ajbmeb-2673	18	10	volume	volume	NOUN
ajbmeb-2673	18	11	32	32	NUM
ajbmeb-2673	18	12	january	january	PROPN
ajbmeb-2673	18	13	2025	2025	NUM
ajbmeb-2673	18	14	p	p	NOUN
ajbmeb-2673	18	15	a	a	DET
ajbmeb-2673	18	16	g	g	NOUN
ajbmeb-2673	18	17	e	e	NOUN
ajbmeb-2673	18	18	|	|	ADV
ajbmeb-2673	18	19	86	86	NUM
ajbmeb-2673	18	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2673	18	21	the	the	DET
ajbmeb-2673	18	22	concept	concept	NOUN
ajbmeb-2673	18	23	of	of	ADP
ajbmeb-2673	18	24	obs	obs	PROPN
ajbmeb-2673	18	25	can	can	AUX
ajbmeb-2673	18	26	be	be	AUX
ajbmeb-2673	18	27	considered	consider	VERB
ajbmeb-2673	18	28	from	from	ADP
ajbmeb-2673	18	29	various	various	ADJ
ajbmeb-2673	18	30	points	point	NOUN
ajbmeb-2673	18	31	of	of	ADP
ajbmeb-2673	18	32	view	view	NOUN
ajbmeb-2673	18	33	:	:	PUNCT
ajbmeb-2673	18	34	starting	start	VERB
ajbmeb-2673	18	35	from	from	ADP
ajbmeb-2673	18	36	such	such	DET
ajbmeb-2673	18	37	a	a	DET
ajbmeb-2673	18	38	narrow	narrow	ADJ
ajbmeb-2673	18	39	concept	concept	NOUN
ajbmeb-2673	18	40	as	as	ADP
ajbmeb-2673	18	41	the	the	DET
ajbmeb-2673	18	42	provision	provision	NOUN
ajbmeb-2673	18	43	of	of	ADP
ajbmeb-2673	18	44	specific	specific	ADJ
ajbmeb-2673	18	45	banking	banking	NOUN
ajbmeb-2673	18	46	services	service	NOUN
ajbmeb-2673	18	47	by	by	ADP
ajbmeb-2673	18	48	a	a	DET
ajbmeb-2673	18	49	credit	credit	NOUN
ajbmeb-2673	18	50	institution	institution	NOUN
ajbmeb-2673	18	51	using	use	VERB
ajbmeb-2673	18	52	software	software	NOUN
ajbmeb-2673	18	53	and	and	CCONJ
ajbmeb-2673	18	54	hardware	hardware	NOUN
ajbmeb-2673	18	55	to	to	ADP
ajbmeb-2673	18	56	a	a	DET
ajbmeb-2673	18	57	wide	wide	ADJ
ajbmeb-2673	18	58	segment	segment	NOUN
ajbmeb-2673	18	59	of	of	ADP
ajbmeb-2673	18	60	the	the	DET
ajbmeb-2673	18	61	banking	banking	NOUN
ajbmeb-2673	18	62	market	market	NOUN
ajbmeb-2673	18	63	.	.	PUNCT
ajbmeb-2673	19	1	the	the	DET
ajbmeb-2673	19	2	basis	basis	NOUN
ajbmeb-2673	19	3	of	of	ADP
ajbmeb-2673	19	4	the	the	DET
ajbmeb-2673	19	5	obs	obs	PROPN
ajbmeb-2673	19	6	is	be	AUX
ajbmeb-2673	19	7	the	the	DET
ajbmeb-2673	19	8	principle	principle	NOUN
ajbmeb-2673	19	9	of	of	ADP
ajbmeb-2673	19	10	information	information	NOUN
ajbmeb-2673	19	11	exchange	exchange	NOUN
ajbmeb-2673	19	12	between	between	ADP
ajbmeb-2673	19	13	the	the	DET
ajbmeb-2673	19	14	bank	bank	NOUN
ajbmeb-2673	19	15	and	and	CCONJ
ajbmeb-2673	19	16	its	its	PRON
ajbmeb-2673	19	17	client	client	NOUN
ajbmeb-2673	19	18	,	,	PUNCT
ajbmeb-2673	19	19	subject	subject	ADJ
ajbmeb-2673	19	20	to	to	ADP
ajbmeb-2673	19	21	the	the	DET
ajbmeb-2673	19	22	bank	bank	NOUN
ajbmeb-2673	19	23	ensuring	ensure	VERB
ajbmeb-2673	19	24	a	a	DET
ajbmeb-2673	19	25	high	high	ADJ
ajbmeb-2673	19	26	level	level	NOUN
ajbmeb-2673	19	27	of	of	ADP
ajbmeb-2673	19	28	security	security	NOUN
ajbmeb-2673	19	29	and	and	CCONJ
ajbmeb-2673	19	30	confidentiality	confidentiality	NOUN
ajbmeb-2673	19	31	.	.	PUNCT
ajbmeb-2673	20	1	by	by	ADP
ajbmeb-2673	20	2	competently	competently	ADV
ajbmeb-2673	20	3	implementing	implement	VERB
ajbmeb-2673	20	4	and	and	CCONJ
ajbmeb-2673	20	5	developing	develop	VERB
ajbmeb-2673	20	6	obs	obs	PROPN
ajbmeb-2673	20	7	systems	system	NOUN
ajbmeb-2673	20	8	,	,	PUNCT
ajbmeb-2673	20	9	the	the	DET
ajbmeb-2673	20	10	bank	bank	NOUN
ajbmeb-2673	20	11	increases	increase	VERB
ajbmeb-2673	20	12	the	the	DET
ajbmeb-2673	20	13	efficiency	efficiency	NOUN
ajbmeb-2673	20	14	of	of	ADP
ajbmeb-2673	20	15	its	its	PRON
ajbmeb-2673	20	16	activities	activity	NOUN
ajbmeb-2673	20	17	and	and	CCONJ
ajbmeb-2673	20	18	expands	expand	VERB
ajbmeb-2673	20	19	its	its	PRON
ajbmeb-2673	20	20	activities	activity	NOUN
ajbmeb-2673	20	21	by	by	ADP
ajbmeb-2673	20	22	increasing	increase	VERB
ajbmeb-2673	20	23	the	the	DET
ajbmeb-2673	20	24	level	level	NOUN
ajbmeb-2673	20	25	of	of	ADP
ajbmeb-2673	20	26	sales	sale	NOUN
ajbmeb-2673	20	27	of	of	ADP
ajbmeb-2673	20	28	banking	banking	NOUN
ajbmeb-2673	20	29	products	product	NOUN
ajbmeb-2673	20	30	,	,	PUNCT
ajbmeb-2673	20	31	as	as	ADV
ajbmeb-2673	20	32	well	well	ADV
ajbmeb-2673	20	33	as	as	ADP
ajbmeb-2673	20	34	attracting	attract	VERB
ajbmeb-2673	20	35	new	new	ADJ
ajbmeb-2673	20	36	clients	client	NOUN
ajbmeb-2673	20	37	by	by	ADP
ajbmeb-2673	20	38	offering	offer	VERB
ajbmeb-2673	20	39	them	they	PRON
ajbmeb-2673	20	40	new	new	ADJ
ajbmeb-2673	20	41	and	and	CCONJ
ajbmeb-2673	20	42	more	more	ADV
ajbmeb-2673	20	43	convenient	convenient	ADJ
ajbmeb-2673	20	44	service	service	NOUN
ajbmeb-2673	20	45	conditions	condition	NOUN
ajbmeb-2673	20	46	.	.	PUNCT
ajbmeb-2673	21	1	the	the	DET
ajbmeb-2673	21	2	main	main	ADJ
ajbmeb-2673	21	3	capabilities	capability	NOUN
ajbmeb-2673	21	4	of	of	ADP
ajbmeb-2673	21	5	the	the	DET
ajbmeb-2673	21	6	obs	obs	NOUN
ajbmeb-2673	21	7	are	be	AUX
ajbmeb-2673	21	8	various	various	ADJ
ajbmeb-2673	21	9	retail	retail	ADJ
ajbmeb-2673	21	10	business	business	NOUN
ajbmeb-2673	21	11	strategies	strategy	NOUN
ajbmeb-2673	21	12	,	,	PUNCT
ajbmeb-2673	21	13	which	which	PRON
ajbmeb-2673	21	14	are	be	AUX
ajbmeb-2673	21	15	based	base	VERB
ajbmeb-2673	21	16	on	on	ADP
ajbmeb-2673	21	17	the	the	DET
ajbmeb-2673	21	18	concept	concept	NOUN
ajbmeb-2673	21	19	of	of	ADP
ajbmeb-2673	21	20	remote	remote	ADJ
ajbmeb-2673	21	21	banking	banking	NOUN
ajbmeb-2673	21	22	self	self	NOUN
ajbmeb-2673	21	23	-	-	PUNCT
ajbmeb-2673	21	24	service	service	NOUN
ajbmeb-2673	21	25	for	for	ADP
ajbmeb-2673	21	26	clients	client	NOUN
ajbmeb-2673	21	27	.	.	PUNCT
ajbmeb-2673	22	1	this	this	DET
ajbmeb-2673	22	2	concept	concept	NOUN
ajbmeb-2673	22	3	is	be	AUX
ajbmeb-2673	22	4	that	that	SCONJ
ajbmeb-2673	22	5	the	the	DET
ajbmeb-2673	22	6	client	client	NOUN
ajbmeb-2673	22	7	only	only	ADV
ajbmeb-2673	22	8	needs	need	VERB
ajbmeb-2673	22	9	to	to	PART
ajbmeb-2673	22	10	visit	visit	VERB
ajbmeb-2673	22	11	the	the	DET
ajbmeb-2673	22	12	bank	bank	NOUN
ajbmeb-2673	22	13	branch	branch	NOUN
ajbmeb-2673	22	14	once	once	ADV
ajbmeb-2673	22	15	to	to	PART
ajbmeb-2673	22	16	conclude	conclude	VERB
ajbmeb-2673	22	17	an	an	DET
ajbmeb-2673	22	18	agreement	agreement	NOUN
ajbmeb-2673	22	19	.	.	PUNCT
ajbmeb-2673	23	1	subsequently	subsequently	ADV
ajbmeb-2673	23	2	,	,	PUNCT
ajbmeb-2673	23	3	the	the	DET
ajbmeb-2673	23	4	client	client	NOUN
ajbmeb-2673	23	5	has	have	VERB
ajbmeb-2673	23	6	the	the	DET
ajbmeb-2673	23	7	opportunity	opportunity	NOUN
ajbmeb-2673	23	8	to	to	PART
ajbmeb-2673	23	9	use	use	VERB
ajbmeb-2673	23	10	the	the	DET
ajbmeb-2673	23	11	bank	bank	NOUN
ajbmeb-2673	23	12	's	's	PART
ajbmeb-2673	23	13	services	service	NOUN
ajbmeb-2673	23	14	and	and	CCONJ
ajbmeb-2673	23	15	purchase	purchase	VERB
ajbmeb-2673	23	16	new	new	ADJ
ajbmeb-2673	23	17	banking	banking	NOUN
ajbmeb-2673	23	18	products	product	NOUN
ajbmeb-2673	23	19	remotely	remotely	ADV
ajbmeb-2673	23	20	,	,	PUNCT
ajbmeb-2673	23	21	that	that	ADV
ajbmeb-2673	23	22	is	is	ADV
ajbmeb-2673	23	23	,	,	PUNCT
ajbmeb-2673	23	24	without	without	ADP
ajbmeb-2673	23	25	visiting	visit	VERB
ajbmeb-2673	23	26	the	the	DET
ajbmeb-2673	23	27	bank	bank	NOUN
ajbmeb-2673	23	28	's	's	PART
ajbmeb-2673	23	29	office	office	NOUN
ajbmeb-2673	23	30	.	.	PUNCT
ajbmeb-2673	24	1	this	this	DET
ajbmeb-2673	24	2	process	process	NOUN
ajbmeb-2673	24	3	allows	allow	VERB
ajbmeb-2673	24	4	banks	bank	NOUN
ajbmeb-2673	24	5	to	to	PART
ajbmeb-2673	24	6	make	make	VERB
ajbmeb-2673	24	7	their	their	PRON
ajbmeb-2673	24	8	products	product	NOUN
ajbmeb-2673	24	9	not	not	PART
ajbmeb-2673	24	10	only	only	ADV
ajbmeb-2673	24	11	convenient	convenient	ADJ
ajbmeb-2673	24	12	,	,	PUNCT
ajbmeb-2673	24	13	but	but	CCONJ
ajbmeb-2673	24	14	also	also	ADV
ajbmeb-2673	24	15	accessible	accessible	ADJ
ajbmeb-2673	24	16	to	to	ADP
ajbmeb-2673	24	17	a	a	DET
ajbmeb-2673	24	18	larger	large	ADJ
ajbmeb-2673	24	19	number	number	NOUN
ajbmeb-2673	24	20	of	of	ADP
ajbmeb-2673	24	21	clients	client	NOUN
ajbmeb-2673	24	22	,	,	PUNCT
ajbmeb-2673	24	23	regardless	regardless	ADV
ajbmeb-2673	24	24	of	of	ADP
ajbmeb-2673	24	25	the	the	DET
ajbmeb-2673	24	26	coincidence	coincidence	NOUN
ajbmeb-2673	24	27	of	of	ADP
ajbmeb-2673	24	28	their	their	PRON
ajbmeb-2673	24	29	geography	geography	NOUN
ajbmeb-2673	24	30	,	,	PUNCT
ajbmeb-2673	24	31	as	as	ADV
ajbmeb-2673	24	32	well	well	ADV
ajbmeb-2673	24	33	as	as	ADP
ajbmeb-2673	24	34	the	the	DET
ajbmeb-2673	24	35	working	work	VERB
ajbmeb-2673	24	36	hours	hour	NOUN
ajbmeb-2673	24	37	of	of	ADP
ajbmeb-2673	24	38	the	the	DET
ajbmeb-2673	24	39	bank	bank	NOUN
ajbmeb-2673	24	40	branches	branch	NOUN
ajbmeb-2673	24	41	.	.	PUNCT
ajbmeb-2673	25	1	depending	depend	VERB
ajbmeb-2673	25	2	on	on	ADP
ajbmeb-2673	25	3	the	the	DET
ajbmeb-2673	25	4	communication	communication	NOUN
ajbmeb-2673	25	5	channel	channel	NOUN
ajbmeb-2673	25	6	chosen	choose	VERB
ajbmeb-2673	25	7	by	by	ADP
ajbmeb-2673	25	8	the	the	DET
ajbmeb-2673	25	9	bank	bank	PROPN
ajbmeb-2673	25	10	client	client	NOUN
ajbmeb-2673	25	11	,	,	PUNCT
ajbmeb-2673	25	12	the	the	DET
ajbmeb-2673	25	13	following	follow	VERB
ajbmeb-2673	25	14	types	type	NOUN
ajbmeb-2673	25	15	of	of	ADP
ajbmeb-2673	25	16	obs	obs	PROPN
ajbmeb-2673	25	17	are	be	AUX
ajbmeb-2673	25	18	distinguished	distinguish	VERB
ajbmeb-2673	25	19	:	:	PUNCT
ajbmeb-2673	25	20	banking	banking	NOUN
ajbmeb-2673	25	21	services	service	NOUN
ajbmeb-2673	25	22	through	through	ADP
ajbmeb-2673	25	23	atms	atms	PROPN
ajbmeb-2673	25	24	(	(	PUNCT
ajbmeb-2673	25	25	atm	atm	NOUN
ajbmeb-2673	25	26	banking	banking	NOUN
ajbmeb-2673	25	27	)	)	PUNCT
ajbmeb-2673	25	28	and	and	CCONJ
ajbmeb-2673	25	29	self	self	NOUN
ajbmeb-2673	25	30	-	-	PUNCT
ajbmeb-2673	25	31	service	service	NOUN
ajbmeb-2673	25	32	terminals	terminal	NOUN
ajbmeb-2673	25	33	.	.	PUNCT
ajbmeb-2673	26	1	mobile	mobile	ADJ
ajbmeb-2673	26	2	banking	banking	NOUN
ajbmeb-2673	26	3	,	,	PUNCT
ajbmeb-2673	26	4	which	which	PRON
ajbmeb-2673	26	5	involves	involve	VERB
ajbmeb-2673	26	6	exchanging	exchange	VERB
ajbmeb-2673	26	7	information	information	NOUN
ajbmeb-2673	26	8	between	between	ADP
ajbmeb-2673	26	9	the	the	DET
ajbmeb-2673	26	10	client	client	NOUN
ajbmeb-2673	26	11	and	and	CCONJ
ajbmeb-2673	26	12	the	the	DET
ajbmeb-2673	26	13	bank	bank	NOUN
ajbmeb-2673	26	14	using	use	VERB
ajbmeb-2673	26	15	either	either	CCONJ
ajbmeb-2673	26	16	a	a	DET
ajbmeb-2673	26	17	mobile	mobile	ADJ
ajbmeb-2673	26	18	device	device	NOUN
ajbmeb-2673	26	19	(	(	PUNCT
ajbmeb-2673	26	20	phone	phone	NOUN
ajbmeb-2673	26	21	,	,	PUNCT
ajbmeb-2673	26	22	tablet	tablet	NOUN
ajbmeb-2673	26	23	computer	computer	NOUN
ajbmeb-2673	26	24	)	)	PUNCT
ajbmeb-2673	26	25	via	via	ADP
ajbmeb-2673	26	26	sms	sms	NOUN
ajbmeb-2673	26	27	messages	message	NOUN
ajbmeb-2673	26	28	or	or	CCONJ
ajbmeb-2673	26	29	via	via	ADP
ajbmeb-2673	26	30	the	the	DET
ajbmeb-2673	26	31	mobile	mobile	ADJ
ajbmeb-2673	26	32	internet	internet	NOUN
ajbmeb-2673	26	33	(	(	PUNCT
ajbmeb-2673	26	34	sms	sms	PROPN
ajbmeb-2673	26	35	banking	banking	NOUN
ajbmeb-2673	26	36	,	,	PUNCT
ajbmeb-2673	26	37	wap	wap	PROPN
ajbmeb-2673	26	38	banking	banking	NOUN
ajbmeb-2673	26	39	,	,	PUNCT
ajbmeb-2673	26	40	gprs	gprs	NOUN
ajbmeb-2673	26	41	banking	banking	NOUN
ajbmeb-2673	26	42	)	)	PUNCT
ajbmeb-2673	26	43	;	;	PUNCT
ajbmeb-2673	26	44	telephone	telephone	NOUN
ajbmeb-2673	26	45	banking	banking	NOUN
ajbmeb-2673	26	46	,	,	PUNCT
ajbmeb-2673	26	47	which	which	PRON
ajbmeb-2673	26	48	uses	use	VERB
ajbmeb-2673	26	49	phones	phone	NOUN
ajbmeb-2673	26	50	with	with	ADP
ajbmeb-2673	26	51	tone	tone	NOUN
ajbmeb-2673	26	52	dialing	dialing	NOUN
ajbmeb-2673	26	53	and	and	CCONJ
ajbmeb-2673	26	54	fax	fax	NOUN
ajbmeb-2673	26	55	functions	function	NOUN
ajbmeb-2673	26	56	to	to	PART
ajbmeb-2673	26	57	manage	manage	VERB
ajbmeb-2673	26	58	the	the	DET
ajbmeb-2673	26	59	account	account	NOUN
ajbmeb-2673	26	60	;	;	PUNCT
ajbmeb-2673	26	61	internet	internet	NOUN
ajbmeb-2673	26	62	banking	banking	NOUN
ajbmeb-2673	26	63	,	,	PUNCT
ajbmeb-2673	26	64	which	which	PRON
ajbmeb-2673	26	65	involves	involve	VERB
ajbmeb-2673	26	66	using	use	VERB
ajbmeb-2673	26	67	a	a	DET
ajbmeb-2673	26	68	web	web	NOUN
ajbmeb-2673	26	69	browser	browser	NOUN
ajbmeb-2673	26	70	installed	instal	VERB
ajbmeb-2673	26	71	on	on	ADP
ajbmeb-2673	26	72	the	the	DET
ajbmeb-2673	26	73	client	client	NOUN
ajbmeb-2673	26	74	's	's	PART
ajbmeb-2673	26	75	personal	personal	ADJ
ajbmeb-2673	26	76	computer	computer	NOUN
ajbmeb-2673	26	77	to	to	PART
ajbmeb-2673	26	78	access	access	VERB
ajbmeb-2673	26	79	banking	banking	NOUN
ajbmeb-2673	26	80	operations	operation	NOUN
ajbmeb-2673	26	81	;	;	PUNCT
ajbmeb-2673	26	82	pc	pc	NOUN
ajbmeb-2673	26	83	banking	banking	NOUN
ajbmeb-2673	26	84	or	or	CCONJ
ajbmeb-2673	26	85	the	the	DET
ajbmeb-2673	26	86	client	client	NOUN
ajbmeb-2673	26	87	-	-	PUNCT
ajbmeb-2673	26	88	bank	bank	NOUN
ajbmeb-2673	26	89	system	system	NOUN
ajbmeb-2673	26	90	,	,	PUNCT
ajbmeb-2673	26	91	which	which	PRON
ajbmeb-2673	26	92	involves	involve	VERB
ajbmeb-2673	26	93	installing	instal	VERB
ajbmeb-2673	26	94	special	special	ADJ
ajbmeb-2673	26	95	software	software	NOUN
ajbmeb-2673	26	96	on	on	ADP
ajbmeb-2673	26	97	the	the	DET
ajbmeb-2673	26	98	client	client	NOUN
ajbmeb-2673	26	99	's	's	PART
ajbmeb-2673	26	100	personal	personal	ADJ
ajbmeb-2673	26	101	computer	computer	NOUN
ajbmeb-2673	26	102	;	;	PUNCT
ajbmeb-2673	26	103	american	american	PROPN
ajbmeb-2673	26	104	journal	journal	PROPN
ajbmeb-2673	26	105	of	of	ADP
ajbmeb-2673	26	106	business	business	NOUN
ajbmeb-2673	26	107	management	management	NOUN
ajbmeb-2673	26	108	,	,	PUNCT
ajbmeb-2673	26	109	economics	economic	NOUN
ajbmeb-2673	26	110	and	and	CCONJ
ajbmeb-2673	26	111	banking	banking	NOUN
ajbmeb-2673	26	112	volume	volume	NOUN
ajbmeb-2673	26	113	32	32	NUM
ajbmeb-2673	26	114	january	january	PROPN
ajbmeb-2673	26	115	2025	2025	NUM
ajbmeb-2673	26	116	p	p	NOUN
ajbmeb-2673	26	117	a	a	DET
ajbmeb-2673	26	118	g	g	NOUN
ajbmeb-2673	26	119	e	e	NOUN
ajbmeb-2673	26	120	|	|	ADV
ajbmeb-2673	26	121	87	87	NUM
ajbmeb-2673	26	122	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2673	26	123	internet	internet	NOUN
ajbmeb-2673	26	124	banking	banking	NOUN
ajbmeb-2673	26	125	systems	system	NOUN
ajbmeb-2673	26	126	are	be	AUX
ajbmeb-2673	26	127	systems	system	NOUN
ajbmeb-2673	26	128	designed	design	VERB
ajbmeb-2673	26	129	to	to	PART
ajbmeb-2673	26	130	provide	provide	VERB
ajbmeb-2673	26	131	banking	banking	NOUN
ajbmeb-2673	26	132	services	service	NOUN
ajbmeb-2673	26	133	to	to	ADP
ajbmeb-2673	26	134	clients	client	NOUN
ajbmeb-2673	26	135	,	,	PUNCT
ajbmeb-2673	26	136	providing	provide	VERB
ajbmeb-2673	26	137	the	the	DET
ajbmeb-2673	26	138	ability	ability	NOUN
ajbmeb-2673	26	139	to	to	PART
ajbmeb-2673	26	140	perform	perform	VERB
ajbmeb-2673	26	141	all	all	DET
ajbmeb-2673	26	142	standard	standard	ADJ
ajbmeb-2673	26	143	banking	banking	NOUN
ajbmeb-2673	26	144	operations	operation	NOUN
ajbmeb-2673	26	145	via	via	ADP
ajbmeb-2673	26	146	the	the	DET
ajbmeb-2673	26	147	internet	internet	NOUN
ajbmeb-2673	26	148	,	,	PUNCT
ajbmeb-2673	26	149	except	except	SCONJ
ajbmeb-2673	26	150	for	for	ADP
ajbmeb-2673	26	151	cash	cash	NOUN
ajbmeb-2673	26	152	transactions	transaction	NOUN
ajbmeb-2673	26	153	[	[	X
ajbmeb-2673	26	154	2	2	NUM
ajbmeb-2673	26	155	]	]	PUNCT
ajbmeb-2673	26	156	.	.	PUNCT
ajbmeb-2673	27	1	using	use	VERB
ajbmeb-2673	27	2	an	an	DET
ajbmeb-2673	27	3	online	online	ADJ
ajbmeb-2673	27	4	banking	banking	NOUN
ajbmeb-2673	27	5	system	system	NOUN
ajbmeb-2673	27	6	provides	provide	VERB
ajbmeb-2673	27	7	a	a	DET
ajbmeb-2673	27	8	number	number	NOUN
ajbmeb-2673	27	9	of	of	ADP
ajbmeb-2673	27	10	advantages	advantage	NOUN
ajbmeb-2673	27	11	:	:	PUNCT
ajbmeb-2673	27	12	of	of	ADP
ajbmeb-2673	27	13	course	course	NOUN
ajbmeb-2673	27	14	,	,	PUNCT
ajbmeb-2673	27	15	it	it	PRON
ajbmeb-2673	27	16	is	be	AUX
ajbmeb-2673	27	17	becoming	become	VERB
ajbmeb-2673	27	18	increasingly	increasingly	ADV
ajbmeb-2673	27	19	difficult	difficult	ADJ
ajbmeb-2673	27	20	to	to	PART
ajbmeb-2673	27	21	introduce	introduce	VERB
ajbmeb-2673	27	22	radically	radically	ADV
ajbmeb-2673	27	23	new	new	ADJ
ajbmeb-2673	27	24	changes	change	NOUN
ajbmeb-2673	27	25	in	in	ADP
ajbmeb-2673	27	26	the	the	DET
ajbmeb-2673	27	27	functionality	functionality	NOUN
ajbmeb-2673	27	28	of	of	ADP
ajbmeb-2673	27	29	internet	internet	NOUN
ajbmeb-2673	27	30	banking	banking	NOUN
ajbmeb-2673	27	31	.	.	PUNCT
ajbmeb-2673	28	1	at	at	ADP
ajbmeb-2673	28	2	the	the	DET
ajbmeb-2673	28	3	current	current	ADJ
ajbmeb-2673	28	4	stage	stage	NOUN
ajbmeb-2673	28	5	of	of	ADP
ajbmeb-2673	28	6	development	development	NOUN
ajbmeb-2673	28	7	of	of	ADP
ajbmeb-2673	28	8	such	such	ADJ
ajbmeb-2673	28	9	systems	system	NOUN
ajbmeb-2673	28	10	,	,	PUNCT
ajbmeb-2673	28	11	the	the	DET
ajbmeb-2673	28	12	service	service	NOUN
ajbmeb-2673	28	13	of	of	ADP
ajbmeb-2673	28	14	automatic	automatic	ADJ
ajbmeb-2673	28	15	payments	payment	NOUN
ajbmeb-2673	28	16	(	(	PUNCT
ajbmeb-2673	28	17	ap	ap	PROPN
ajbmeb-2673	28	18	)	)	PUNCT
ajbmeb-2673	28	19	is	be	AUX
ajbmeb-2673	28	20	becoming	become	VERB
ajbmeb-2673	28	21	widespread	widespread	ADJ
ajbmeb-2673	28	22	.	.	PUNCT
ajbmeb-2673	29	1	now	now	ADV
ajbmeb-2673	29	2	many	many	ADJ
ajbmeb-2673	29	3	banks	bank	NOUN
ajbmeb-2673	29	4	can	can	AUX
ajbmeb-2673	29	5	provide	provide	VERB
ajbmeb-2673	29	6	such	such	ADJ
ajbmeb-2673	29	7	services	service	NOUN
ajbmeb-2673	29	8	.	.	PUNCT
ajbmeb-2673	30	1	the	the	DET
ajbmeb-2673	30	2	potential	potential	NOUN
ajbmeb-2673	30	3	for	for	ADP
ajbmeb-2673	30	4	providing	provide	VERB
ajbmeb-2673	30	5	such	such	ADJ
ajbmeb-2673	30	6	services	service	NOUN
ajbmeb-2673	30	7	is	be	AUX
ajbmeb-2673	30	8	enormous	enormous	ADJ
ajbmeb-2673	30	9	.	.	PUNCT
ajbmeb-2673	31	1	this	this	PRON
ajbmeb-2673	31	2	is	be	AUX
ajbmeb-2673	31	3	due	due	ADJ
ajbmeb-2673	31	4	to	to	ADP
ajbmeb-2673	31	5	the	the	DET
ajbmeb-2673	31	6	fact	fact	NOUN
ajbmeb-2673	31	7	that	that	SCONJ
ajbmeb-2673	31	8	the	the	DET
ajbmeb-2673	31	9	client	client	NOUN
ajbmeb-2673	31	10	only	only	ADV
ajbmeb-2673	31	11	needs	need	VERB
ajbmeb-2673	31	12	to	to	PART
ajbmeb-2673	31	13	set	set	VERB
ajbmeb-2673	31	14	the	the	DET
ajbmeb-2673	31	15	payment	payment	NOUN
ajbmeb-2673	31	16	parameters	parameter	NOUN
ajbmeb-2673	31	17	once	once	ADV
ajbmeb-2673	31	18	(	(	PUNCT
ajbmeb-2673	31	19	terms	term	NOUN
ajbmeb-2673	31	20	,	,	PUNCT
ajbmeb-2673	31	21	amount	amount	NOUN
ajbmeb-2673	31	22	of	of	ADP
ajbmeb-2673	31	23	payment	payment	NOUN
ajbmeb-2673	31	24	,	,	PUNCT
ajbmeb-2673	31	25	details	detail	NOUN
ajbmeb-2673	31	26	of	of	ADP
ajbmeb-2673	31	27	the	the	DET
ajbmeb-2673	31	28	recipient	recipient	NOUN
ajbmeb-2673	31	29	of	of	ADP
ajbmeb-2673	31	30	funds	fund	NOUN
ajbmeb-2673	31	31	)	)	PUNCT
ajbmeb-2673	31	32	and	and	CCONJ
ajbmeb-2673	31	33	it	it	PRON
ajbmeb-2673	31	34	will	will	AUX
ajbmeb-2673	31	35	be	be	AUX
ajbmeb-2673	31	36	automatically	automatically	ADV
ajbmeb-2673	31	37	carried	carry	VERB
ajbmeb-2673	31	38	out	out	ADP
ajbmeb-2673	31	39	by	by	ADP
ajbmeb-2673	31	40	the	the	DET
ajbmeb-2673	31	41	banking	banking	NOUN
ajbmeb-2673	31	42	system	system	NOUN
ajbmeb-2673	31	43	using	use	VERB
ajbmeb-2673	31	44	obs	obs	PROPN
ajbmeb-2673	31	45	technologies	technology	NOUN
ajbmeb-2673	31	46	.	.	PUNCT
ajbmeb-2673	32	1	mobile	mobile	ADJ
ajbmeb-2673	32	2	banking	banking	NOUN
ajbmeb-2673	32	3	is	be	AUX
ajbmeb-2673	32	4	the	the	DET
ajbmeb-2673	32	5	implementation	implementation	NOUN
ajbmeb-2673	32	6	of	of	ADP
ajbmeb-2673	32	7	the	the	DET
ajbmeb-2673	32	8	client	client	NOUN
ajbmeb-2673	32	9	's	's	PART
ajbmeb-2673	32	10	management	management	NOUN
ajbmeb-2673	32	11	of	of	ADP
ajbmeb-2673	32	12	his	his	PRON
ajbmeb-2673	32	13	bank	bank	NOUN
ajbmeb-2673	32	14	account	account	NOUN
ajbmeb-2673	32	15	using	use	VERB
ajbmeb-2673	32	16	a	a	DET
ajbmeb-2673	32	17	mobile	mobile	ADJ
ajbmeb-2673	32	18	phone	phone	NOUN
ajbmeb-2673	32	19	or	or	CCONJ
ajbmeb-2673	32	20	tablet	tablet	NOUN
ajbmeb-2673	32	21	computer	computer	NOUN
ajbmeb-2673	32	22	.	.	PUNCT
ajbmeb-2673	33	1	as	as	ADP
ajbmeb-2673	33	2	a	a	DET
ajbmeb-2673	33	3	rule	rule	NOUN
ajbmeb-2673	33	4	,	,	PUNCT
ajbmeb-2673	33	5	for	for	ADP
ajbmeb-2673	33	6	this	this	PRON
ajbmeb-2673	33	7	,	,	PUNCT
ajbmeb-2673	33	8	it	it	PRON
ajbmeb-2673	33	9	is	be	AUX
ajbmeb-2673	33	10	necessary	necessary	ADJ
ajbmeb-2673	33	11	to	to	PART
ajbmeb-2673	33	12	download	download	VERB
ajbmeb-2673	33	13	and	and	CCONJ
ajbmeb-2673	33	14	install	install	VERB
ajbmeb-2673	33	15	a	a	DET
ajbmeb-2673	33	16	special	special	ADJ
ajbmeb-2673	33	17	application	application	NOUN
ajbmeb-2673	33	18	on	on	ADP
ajbmeb-2673	33	19	the	the	DET
ajbmeb-2673	33	20	mobile	mobile	ADJ
ajbmeb-2673	33	21	device	device	NOUN
ajbmeb-2673	33	22	.	.	PUNCT
ajbmeb-2673	34	1	in	in	ADP
ajbmeb-2673	34	2	most	most	ADJ
ajbmeb-2673	34	3	cases	case	NOUN
ajbmeb-2673	34	4	,	,	PUNCT
ajbmeb-2673	34	5	an	an	DET
ajbmeb-2673	34	6	internet	internet	NOUN
ajbmeb-2673	34	7	channel	channel	NOUN
ajbmeb-2673	34	8	is	be	AUX
ajbmeb-2673	34	9	required	require	VERB
ajbmeb-2673	34	10	to	to	PART
ajbmeb-2673	34	11	perform	perform	VERB
ajbmeb-2673	34	12	banking	banking	NOUN
ajbmeb-2673	34	13	transactions	transaction	NOUN
ajbmeb-2673	34	14	,	,	PUNCT
ajbmeb-2673	34	15	less	less	ADV
ajbmeb-2673	34	16	often	often	ADV
ajbmeb-2673	34	17	transactions	transaction	NOUN
ajbmeb-2673	34	18	are	be	AUX
ajbmeb-2673	34	19	carried	carry	VERB
ajbmeb-2673	34	20	out	out	ADP
ajbmeb-2673	34	21	by	by	ADP
ajbmeb-2673	34	22	sending	send	VERB
ajbmeb-2673	34	23	sms	sms	NOUN
ajbmeb-2673	34	24	messages	message	NOUN
ajbmeb-2673	35	1	[	[	X
ajbmeb-2673	35	2	3	3	NUM
ajbmeb-2673	35	3	]	]	PUNCT
ajbmeb-2673	35	4	.	.	PUNCT
ajbmeb-2673	36	1	it	it	PRON
ajbmeb-2673	36	2	is	be	AUX
ajbmeb-2673	36	3	worth	worth	ADJ
ajbmeb-2673	36	4	noting	note	VERB
ajbmeb-2673	36	5	that	that	SCONJ
ajbmeb-2673	36	6	earlier	early	ADV
ajbmeb-2673	36	7	,	,	PUNCT
ajbmeb-2673	36	8	before	before	SCONJ
ajbmeb-2673	36	9	smartphones	smartphone	NOUN
ajbmeb-2673	36	10	became	become	VERB
ajbmeb-2673	36	11	widespread	widespread	ADJ
ajbmeb-2673	36	12	,	,	PUNCT
ajbmeb-2673	36	13	sms	sms	NOUN
ajbmeb-2673	36	14	banking	banking	NOUN
ajbmeb-2673	36	15	was	be	AUX
ajbmeb-2673	36	16	considered	consider	VERB
ajbmeb-2673	36	17	the	the	DET
ajbmeb-2673	36	18	main	main	ADJ
ajbmeb-2673	36	19	type	type	NOUN
ajbmeb-2673	36	20	of	of	ADP
ajbmeb-2673	36	21	mobile	mobile	ADJ
ajbmeb-2673	36	22	banking	banking	NOUN
ajbmeb-2673	36	23	.	.	PUNCT
ajbmeb-2673	37	1	currently	currently	ADV
ajbmeb-2673	37	2	,	,	PUNCT
ajbmeb-2673	37	3	mobile	mobile	ADJ
ajbmeb-2673	37	4	banking	banking	NOUN
ajbmeb-2673	37	5	applications	application	NOUN
ajbmeb-2673	37	6	are	be	AUX
ajbmeb-2673	37	7	internet	internet	NOUN
ajbmeb-2673	37	8	banking	banking	NOUN
ajbmeb-2673	37	9	applications	application	NOUN
ajbmeb-2673	37	10	with	with	ADP
ajbmeb-2673	37	11	reduced	reduced	ADJ
ajbmeb-2673	37	12	functionality	functionality	NOUN
ajbmeb-2673	37	13	,	,	PUNCT
ajbmeb-2673	37	14	adapted	adapt	VERB
ajbmeb-2673	37	15	for	for	ADP
ajbmeb-2673	37	16	small	small	ADJ
ajbmeb-2673	37	17	smartphone	smartphone	NOUN
ajbmeb-2673	37	18	screens	screen	NOUN
ajbmeb-2673	37	19	and	and	CCONJ
ajbmeb-2673	37	20	operating	operating	NOUN
ajbmeb-2673	37	21	systems	system	NOUN
ajbmeb-2673	37	22	installed	instal	VERB
ajbmeb-2673	37	23	in	in	ADP
ajbmeb-2673	37	24	mobile	mobile	ADJ
ajbmeb-2673	37	25	devices	device	NOUN
ajbmeb-2673	37	26	.	.	PUNCT
ajbmeb-2673	38	1	sms	sms	PROPN
ajbmeb-2673	38	2	banking	banking	NOUN
ajbmeb-2673	38	3	provides	provide	VERB
ajbmeb-2673	38	4	the	the	DET
ajbmeb-2673	38	5	client	client	NOUN
ajbmeb-2673	38	6	with	with	ADP
ajbmeb-2673	38	7	access	access	NOUN
ajbmeb-2673	38	8	to	to	ADP
ajbmeb-2673	38	9	accounts	account	NOUN
ajbmeb-2673	38	10	and	and	CCONJ
ajbmeb-2673	38	11	account	account	NOUN
ajbmeb-2673	38	12	transactions	transaction	NOUN
ajbmeb-2673	38	13	using	use	VERB
ajbmeb-2673	38	14	the	the	DET
ajbmeb-2673	38	15	client	client	NOUN
ajbmeb-2673	38	16	's	's	PART
ajbmeb-2673	38	17	mobile	mobile	ADJ
ajbmeb-2673	38	18	phone	phone	NOUN
ajbmeb-2673	38	19	number	number	NOUN
ajbmeb-2673	38	20	,	,	PUNCT
ajbmeb-2673	38	21	previously	previously	ADV
ajbmeb-2673	38	22	registered	register	VERB
ajbmeb-2673	38	23	with	with	ADP
ajbmeb-2673	38	24	the	the	DET
ajbmeb-2673	38	25	bank	bank	NOUN
ajbmeb-2673	38	26	.	.	PUNCT
ajbmeb-2673	39	1	information	information	NOUN
ajbmeb-2673	39	2	exchange	exchange	NOUN
ajbmeb-2673	39	3	between	between	ADP
ajbmeb-2673	39	4	the	the	DET
ajbmeb-2673	39	5	client	client	NOUN
ajbmeb-2673	39	6	and	and	CCONJ
ajbmeb-2673	39	7	the	the	DET
ajbmeb-2673	39	8	bank	bank	NOUN
ajbmeb-2673	39	9	occurs	occur	VERB
ajbmeb-2673	39	10	via	via	ADP
ajbmeb-2673	39	11	sms	sms	NOUN
ajbmeb-2673	39	12	messages	message	NOUN
ajbmeb-2673	39	13	[	[	X
ajbmeb-2673	39	14	5	5	NUM
ajbmeb-2673	39	15	]	]	PUNCT
ajbmeb-2673	39	16	.	.	PUNCT
ajbmeb-2673	40	1	the	the	DET
ajbmeb-2673	40	2	number	number	NOUN
ajbmeb-2673	40	3	of	of	ADP
ajbmeb-2673	40	4	users	user	NOUN
ajbmeb-2673	40	5	of	of	ADP
ajbmeb-2673	40	6	remote	remote	ADJ
ajbmeb-2673	40	7	banking	banking	NOUN
ajbmeb-2673	40	8	systems	system	NOUN
ajbmeb-2673	40	9	is	be	AUX
ajbmeb-2673	40	10	steadily	steadily	ADV
ajbmeb-2673	40	11	growing	grow	VERB
ajbmeb-2673	40	12	,	,	PUNCT
ajbmeb-2673	40	13	the	the	DET
ajbmeb-2673	40	14	number	number	NOUN
ajbmeb-2673	40	15	and	and	CCONJ
ajbmeb-2673	40	16	volume	volume	NOUN
ajbmeb-2673	40	17	of	of	ADP
ajbmeb-2673	40	18	transactions	transaction	NOUN
ajbmeb-2673	40	19	are	be	AUX
ajbmeb-2673	40	20	increasing	increase	VERB
ajbmeb-2673	40	21	.	.	PUNCT
ajbmeb-2673	41	1	at	at	ADP
ajbmeb-2673	41	2	the	the	DET
ajbmeb-2673	41	3	same	same	ADJ
ajbmeb-2673	41	4	time	time	NOUN
ajbmeb-2673	41	5	,	,	PUNCT
ajbmeb-2673	41	6	the	the	DET
ajbmeb-2673	41	7	risk	risk	NOUN
ajbmeb-2673	41	8	of	of	ADP
ajbmeb-2673	41	9	fraudulent	fraudulent	ADJ
ajbmeb-2673	41	10	actions	action	NOUN
ajbmeb-2673	41	11	and	and	CCONJ
ajbmeb-2673	41	12	theft	theft	NOUN
ajbmeb-2673	41	13	of	of	ADP
ajbmeb-2673	41	14	funds	fund	NOUN
ajbmeb-2673	41	15	in	in	ADP
ajbmeb-2673	41	16	remote	remote	ADJ
ajbmeb-2673	41	17	banking	banking	NOUN
ajbmeb-2673	41	18	systems	system	NOUN
ajbmeb-2673	41	19	is	be	AUX
ajbmeb-2673	41	20	increasing	increase	VERB
ajbmeb-2673	41	21	.	.	PUNCT
ajbmeb-2673	42	1	in	in	ADP
ajbmeb-2673	42	2	order	order	NOUN
ajbmeb-2673	42	3	to	to	PART
ajbmeb-2673	42	4	provide	provide	VERB
ajbmeb-2673	42	5	clients	client	NOUN
ajbmeb-2673	42	6	with	with	ADP
ajbmeb-2673	42	7	a	a	DET
ajbmeb-2673	42	8	secure	secure	ADJ
ajbmeb-2673	42	9	service	service	NOUN
ajbmeb-2673	42	10	,	,	PUNCT
ajbmeb-2673	42	11	a	a	DET
ajbmeb-2673	42	12	bank	bank	NOUN
ajbmeb-2673	42	13	must	must	AUX
ajbmeb-2673	42	14	offer	offer	VERB
ajbmeb-2673	42	15	comprehensive	comprehensive	ADJ
ajbmeb-2673	42	16	protection	protection	NOUN
ajbmeb-2673	42	17	against	against	ADP
ajbmeb-2673	42	18	the	the	DET
ajbmeb-2673	42	19	actions	action	NOUN
ajbmeb-2673	42	20	of	of	ADP
ajbmeb-2673	42	21	intruders	intruder	NOUN
ajbmeb-2673	42	22	.	.	PUNCT
ajbmeb-2673	43	1	currently	currently	ADV
ajbmeb-2673	43	2	,	,	PUNCT
ajbmeb-2673	43	3	developers	developer	NOUN
ajbmeb-2673	43	4	of	of	ADP
ajbmeb-2673	43	5	hardware	hardware	NOUN
ajbmeb-2673	43	6	for	for	ADP
ajbmeb-2673	43	7	combating	combat	VERB
ajbmeb-2673	43	8	fraud	fraud	NOUN
ajbmeb-2673	43	9	have	have	AUX
ajbmeb-2673	43	10	prepared	prepare	VERB
ajbmeb-2673	43	11	an	an	DET
ajbmeb-2673	43	12	impressive	impressive	ADJ
ajbmeb-2673	43	13	arsenal	arsenal	NOUN
ajbmeb-2673	43	14	of	of	ADP
ajbmeb-2673	43	15	tools	tool	NOUN
ajbmeb-2673	43	16	.	.	PUNCT
ajbmeb-2673	44	1	the	the	DET
ajbmeb-2673	44	2	hardware	hardware	NOUN
ajbmeb-2673	44	3	includes	include	VERB
ajbmeb-2673	44	4	many	many	ADJ
ajbmeb-2673	44	5	secure	secure	ADJ
ajbmeb-2673	44	6	a	a	DET
ajbmeb-2673	44	7	bank	bank	NOUN
ajbmeb-2673	44	8	client	client	NOUN
ajbmeb-2673	44	9	has	have	VERB
ajbmeb-2673	44	10	the	the	DET
ajbmeb-2673	44	11	ability	ability	NOUN
ajbmeb-2673	44	12	to	to	PART
ajbmeb-2673	44	13	monitor	monitor	VERB
ajbmeb-2673	44	14	their	their	PRON
ajbmeb-2673	44	15	own	own	ADJ
ajbmeb-2673	44	16	accounts	account	NOUN
ajbmeb-2673	44	17	24	24	NUM
ajbmeb-2673	44	18	hours	hour	NOUN
ajbmeb-2673	44	19	a	a	DET
ajbmeb-2673	44	20	day	day	NOUN
ajbmeb-2673	44	21	(	(	PUNCT
ajbmeb-2673	44	22	receipt	receipt	NOUN
ajbmeb-2673	44	23	and	and	CCONJ
ajbmeb-2673	44	24	withdrawal	withdrawal	NOUN
ajbmeb-2673	44	25	of	of	ADP
ajbmeb-2673	44	26	funds	fund	NOUN
ajbmeb-2673	44	27	from	from	ADP
ajbmeb-2673	44	28	the	the	DET
ajbmeb-2673	44	29	account	account	NOUN
ajbmeb-2673	44	30	)	)	PUNCT
ajbmeb-2673	44	31	;	;	PUNCT
ajbmeb-2673	44	32	the	the	DET
ajbmeb-2673	44	33	ability	ability	NOUN
ajbmeb-2673	44	34	to	to	PART
ajbmeb-2673	44	35	track	track	VERB
ajbmeb-2673	44	36	transactions	transaction	NOUN
ajbmeb-2673	44	37	performed	perform	VERB
ajbmeb-2673	44	38	using	use	VERB
ajbmeb-2673	44	39	the	the	DET
ajbmeb-2673	44	40	client	client	NOUN
ajbmeb-2673	44	41	's	's	PART
ajbmeb-2673	44	42	plastic	plastic	NOUN
ajbmeb-2673	44	43	cards	card	NOUN
ajbmeb-2673	44	44	;	;	PUNCT
ajbmeb-2673	44	45	fast	fast	ADJ
ajbmeb-2673	44	46	and	and	CCONJ
ajbmeb-2673	44	47	secure	secure	ADJ
ajbmeb-2673	44	48	access	access	NOUN
ajbmeb-2673	44	49	to	to	ADP
ajbmeb-2673	44	50	online	online	ADJ
ajbmeb-2673	44	51	store	store	NOUN
ajbmeb-2673	44	52	services	service	NOUN
ajbmeb-2673	44	53	;	;	PUNCT
ajbmeb-2673	44	54	no	no	DET
ajbmeb-2673	44	55	need	need	NOUN
ajbmeb-2673	44	56	to	to	PART
ajbmeb-2673	44	57	install	install	VERB
ajbmeb-2673	44	58	extensive	extensive	ADJ
ajbmeb-2673	44	59	software	software	NOUN
ajbmeb-2673	44	60	on	on	ADP
ajbmeb-2673	44	61	the	the	DET
ajbmeb-2673	44	62	client	client	NOUN
ajbmeb-2673	44	63	's	's	PART
ajbmeb-2673	44	64	personal	personal	ADJ
ajbmeb-2673	44	65	computer	computer	NOUN
ajbmeb-2673	44	66	,	,	PUNCT
ajbmeb-2673	44	67	i.e.	i.e.	X
ajbmeb-2673	44	68	the	the	DET
ajbmeb-2673	44	69	availability	availability	NOUN
ajbmeb-2673	44	70	of	of	ADP
ajbmeb-2673	44	71	the	the	DET
ajbmeb-2673	44	72	system	system	NOUN
ajbmeb-2673	44	73	for	for	ADP
ajbmeb-2673	44	74	the	the	DET
ajbmeb-2673	44	75	client	client	NOUN
ajbmeb-2673	44	76	,	,	PUNCT
ajbmeb-2673	44	77	since	since	SCONJ
ajbmeb-2673	44	78	there	there	PRON
ajbmeb-2673	44	79	is	be	VERB
ajbmeb-2673	44	80	no	no	DET
ajbmeb-2673	44	81	link	link	NOUN
ajbmeb-2673	44	82	to	to	ADP
ajbmeb-2673	44	83	a	a	DET
ajbmeb-2673	44	84	specific	specific	ADJ
ajbmeb-2673	44	85	personal	personal	ADJ
ajbmeb-2673	44	86	computer	computer	NOUN
ajbmeb-2673	44	87	.	.	PUNCT
ajbmeb-2673	45	1	and	and	CCONJ
ajbmeb-2673	45	2	the	the	DET
ajbmeb-2673	45	3	bank	bank	NOUN
ajbmeb-2673	45	4	client	client	NOUN
ajbmeb-2673	45	5	has	have	VERB
ajbmeb-2673	45	6	the	the	DET
ajbmeb-2673	45	7	opportunity	opportunity	NOUN
ajbmeb-2673	45	8	to	to	PART
ajbmeb-2673	45	9	work	work	VERB
ajbmeb-2673	45	10	from	from	ADP
ajbmeb-2673	45	11	any	any	DET
ajbmeb-2673	45	12	device	device	NOUN
ajbmeb-2673	45	13	with	with	ADP
ajbmeb-2673	45	14	access	access	NOUN
ajbmeb-2673	45	15	to	to	ADP
ajbmeb-2673	45	16	the	the	DET
ajbmeb-2673	45	17	internet	internet	NOUN
ajbmeb-2673	45	18	.	.	PUNCT
ajbmeb-2673	46	1	american	american	PROPN
ajbmeb-2673	46	2	journal	journal	PROPN
ajbmeb-2673	46	3	of	of	ADP
ajbmeb-2673	46	4	business	business	NOUN
ajbmeb-2673	46	5	management	management	NOUN
ajbmeb-2673	46	6	,	,	PUNCT
ajbmeb-2673	46	7	economics	economic	NOUN
ajbmeb-2673	46	8	and	and	CCONJ
ajbmeb-2673	46	9	banking	banking	NOUN
ajbmeb-2673	46	10	volume	volume	NOUN
ajbmeb-2673	46	11	32	32	NUM
ajbmeb-2673	46	12	january	january	PROPN
ajbmeb-2673	46	13	2025	2025	NUM
ajbmeb-2673	46	14	p	p	NOUN
ajbmeb-2673	46	15	a	a	DET
ajbmeb-2673	46	16	g	g	NOUN
ajbmeb-2673	46	17	e	e	NOUN
ajbmeb-2673	46	18	|	|	NOUN
ajbmeb-2673	46	19	88	88	NUM
ajbmeb-2673	46	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2673	46	21	devices	device	NOUN
ajbmeb-2673	46	22	for	for	ADP
ajbmeb-2673	46	23	storing	store	VERB
ajbmeb-2673	46	24	keys	key	NOUN
ajbmeb-2673	46	25	and	and	CCONJ
ajbmeb-2673	46	26	generating	generate	VERB
ajbmeb-2673	46	27	electronic	electronic	ADJ
ajbmeb-2673	46	28	signatures	signature	NOUN
ajbmeb-2673	46	29	,	,	PUNCT
ajbmeb-2673	46	30	devices	device	NOUN
ajbmeb-2673	46	31	for	for	ADP
ajbmeb-2673	46	32	generating	generate	VERB
ajbmeb-2673	46	33	one	one	NUM
ajbmeb-2673	46	34	-	-	PUNCT
ajbmeb-2673	46	35	time	time	NOUN
ajbmeb-2673	46	36	passwords	password	NOUN
ajbmeb-2673	46	37	,	,	PUNCT
ajbmeb-2673	46	38	devices	device	NOUN
ajbmeb-2673	46	39	implementing	implement	VERB
ajbmeb-2673	46	40	a	a	DET
ajbmeb-2673	46	41	hardware	hardware	NOUN
ajbmeb-2673	46	42	trusted	trust	VERB
ajbmeb-2673	46	43	environment	environment	NOUN
ajbmeb-2673	46	44	.	.	PUNCT
ajbmeb-2673	47	1	today	today	NOUN
ajbmeb-2673	47	2	,	,	PUNCT
ajbmeb-2673	47	3	there	there	PRON
ajbmeb-2673	47	4	is	be	VERB
ajbmeb-2673	47	5	already	already	ADV
ajbmeb-2673	47	6	a	a	DET
ajbmeb-2673	47	7	system	system	NOUN
ajbmeb-2673	47	8	for	for	ADP
ajbmeb-2673	47	9	combating	combat	VERB
ajbmeb-2673	47	10	fraud	fraud	NOUN
ajbmeb-2673	47	11	in	in	ADP
ajbmeb-2673	47	12	remote	remote	ADJ
ajbmeb-2673	47	13	banking	banking	NOUN
ajbmeb-2673	47	14	systems	system	NOUN
ajbmeb-2673	47	15	offered	offer	VERB
ajbmeb-2673	47	16	to	to	ADP
ajbmeb-2673	47	17	the	the	DET
ajbmeb-2673	47	18	market	market	NOUN
ajbmeb-2673	47	19	,	,	PUNCT
ajbmeb-2673	47	20	which	which	PRON
ajbmeb-2673	47	21	is	be	AUX
ajbmeb-2673	47	22	an	an	DET
ajbmeb-2673	47	23	industrial	industrial	ADJ
ajbmeb-2673	47	24	product	product	NOUN
ajbmeb-2673	47	25	-	-	PUNCT
ajbmeb-2673	47	26	service	service	NOUN
ajbmeb-2673	47	27	and	and	CCONJ
ajbmeb-2673	47	28	has	have	AUX
ajbmeb-2673	47	29	been	be	AUX
ajbmeb-2673	47	30	successfully	successfully	ADV
ajbmeb-2673	47	31	used	use	VERB
ajbmeb-2673	47	32	by	by	ADP
ajbmeb-2673	47	33	commercial	commercial	ADJ
ajbmeb-2673	47	34	banks	bank	NOUN
ajbmeb-2673	47	35	of	of	ADP
ajbmeb-2673	47	36	the	the	DET
ajbmeb-2673	47	37	republic	republic	NOUN
ajbmeb-2673	47	38	of	of	ADP
ajbmeb-2673	47	39	uzbekistan	uzbekistan	PROPN
ajbmeb-2673	47	40	and	and	CCONJ
ajbmeb-2673	47	41	banks	bank	NOUN
ajbmeb-2673	47	42	of	of	ADP
ajbmeb-2673	47	43	the	the	DET
ajbmeb-2673	47	44	cis	cis	NOUN
ajbmeb-2673	47	45	countries	country	NOUN
ajbmeb-2673	47	46	for	for	ADP
ajbmeb-2673	47	47	more	more	ADJ
ajbmeb-2673	47	48	than	than	ADP
ajbmeb-2673	47	49	four	four	NUM
ajbmeb-2673	47	50	and	and	CCONJ
ajbmeb-2673	47	51	a	a	DET
ajbmeb-2673	47	52	half	half	NOUN
ajbmeb-2673	47	53	years	year	NOUN
ajbmeb-2673	47	54	.	.	PUNCT
ajbmeb-2673	48	1	during	during	ADP
ajbmeb-2673	48	2	this	this	DET
ajbmeb-2673	48	3	time	time	NOUN
ajbmeb-2673	48	4	,	,	PUNCT
ajbmeb-2673	48	5	the	the	DET
ajbmeb-2673	48	6	wishes	wish	NOUN
ajbmeb-2673	48	7	and	and	CCONJ
ajbmeb-2673	48	8	needs	need	VERB
ajbmeb-2673	48	9	for	for	ADP
ajbmeb-2673	48	10	anti	anti	ADJ
ajbmeb-2673	48	11	-	-	ADJ
ajbmeb-2673	48	12	fraud	fraud	ADJ
ajbmeb-2673	48	13	functions	function	NOUN
ajbmeb-2673	48	14	from	from	ADP
ajbmeb-2673	48	15	banks	bank	NOUN
ajbmeb-2673	48	16	were	be	AUX
ajbmeb-2673	48	17	studied	study	VERB
ajbmeb-2673	48	18	and	and	CCONJ
ajbmeb-2673	48	19	taken	take	VERB
ajbmeb-2673	48	20	into	into	ADP
ajbmeb-2673	48	21	account	account	NOUN
ajbmeb-2673	48	22	,	,	PUNCT
ajbmeb-2673	48	23	and	and	CCONJ
ajbmeb-2673	48	24	the	the	DET
ajbmeb-2673	48	25	capabilities	capability	NOUN
ajbmeb-2673	48	26	of	of	ADP
ajbmeb-2673	48	27	the	the	DET
ajbmeb-2673	48	28	system	system	NOUN
ajbmeb-2673	48	29	were	be	AUX
ajbmeb-2673	48	30	expanded	expand	VERB
ajbmeb-2673	48	31	based	base	VERB
ajbmeb-2673	48	32	on	on	ADP
ajbmeb-2673	48	33	the	the	DET
ajbmeb-2673	48	34	best	good	ADJ
ajbmeb-2673	48	35	foreign	foreign	ADJ
ajbmeb-2673	48	36	practices	practice	NOUN
ajbmeb-2673	48	37	.	.	PUNCT
ajbmeb-2673	49	1	the	the	DET
ajbmeb-2673	49	2	operation	operation	NOUN
ajbmeb-2673	49	3	of	of	ADP
ajbmeb-2673	49	4	this	this	DET
ajbmeb-2673	49	5	software	software	NOUN
ajbmeb-2673	49	6	product	product	NOUN
ajbmeb-2673	49	7	is	be	AUX
ajbmeb-2673	49	8	based	base	VERB
ajbmeb-2673	49	9	on	on	ADP
ajbmeb-2673	49	10	the	the	DET
ajbmeb-2673	49	11	creation	creation	NOUN
ajbmeb-2673	49	12	of	of	ADP
ajbmeb-2673	49	13	a	a	DET
ajbmeb-2673	49	14	model	model	NOUN
ajbmeb-2673	49	15	of	of	ADP
ajbmeb-2673	49	16	the	the	DET
ajbmeb-2673	49	17	bank	bank	NOUN
ajbmeb-2673	49	18	's	's	PART
ajbmeb-2673	49	19	client	client	NOUN
ajbmeb-2673	49	20	behavior	behavior	NOUN
ajbmeb-2673	49	21	.	.	PUNCT
ajbmeb-2673	50	1	the	the	DET
ajbmeb-2673	50	2	parameters	parameter	NOUN
ajbmeb-2673	50	3	of	of	ADP
ajbmeb-2673	50	4	the	the	DET
ajbmeb-2673	50	5	client	client	NOUN
ajbmeb-2673	50	6	's	's	PART
ajbmeb-2673	50	7	behavior	behavior	NOUN
ajbmeb-2673	50	8	when	when	SCONJ
ajbmeb-2673	50	9	using	use	VERB
ajbmeb-2673	50	10	the	the	DET
ajbmeb-2673	50	11	remote	remote	ADJ
ajbmeb-2673	50	12	banking	banking	NOUN
ajbmeb-2673	50	13	system	system	NOUN
ajbmeb-2673	50	14	are	be	AUX
ajbmeb-2673	50	15	recorded	record	VERB
ajbmeb-2673	50	16	.	.	PUNCT
ajbmeb-2673	51	1	deviations	deviation	NOUN
ajbmeb-2673	51	2	from	from	ADP
ajbmeb-2673	51	3	the	the	DET
ajbmeb-2673	51	4	typical	typical	ADJ
ajbmeb-2673	51	5	behavior	behavior	NOUN
ajbmeb-2673	51	6	of	of	ADP
ajbmeb-2673	51	7	the	the	DET
ajbmeb-2673	51	8	client	client	NOUN
ajbmeb-2673	51	9	are	be	AUX
ajbmeb-2673	51	10	identified	identify	VERB
ajbmeb-2673	51	11	and	and	CCONJ
ajbmeb-2673	51	12	the	the	DET
ajbmeb-2673	51	13	probability	probability	NOUN
ajbmeb-2673	51	14	that	that	SCONJ
ajbmeb-2673	51	15	the	the	DET
ajbmeb-2673	51	16	payment	payment	NOUN
ajbmeb-2673	51	17	document	document	NOUN
ajbmeb-2673	51	18	was	be	AUX
ajbmeb-2673	51	19	generated	generate	VERB
ajbmeb-2673	51	20	by	by	ADP
ajbmeb-2673	51	21	a	a	DET
ajbmeb-2673	51	22	fraudster	fraudster	NOUN
ajbmeb-2673	51	23	on	on	ADP
ajbmeb-2673	51	24	behalf	behalf	NOUN
ajbmeb-2673	51	25	of	of	ADP
ajbmeb-2673	51	26	the	the	DET
ajbmeb-2673	51	27	client	client	NOUN
ajbmeb-2673	51	28	is	be	AUX
ajbmeb-2673	51	29	calculated	calculate	VERB
ajbmeb-2673	51	30	.	.	PUNCT
ajbmeb-2673	52	1	the	the	DET
ajbmeb-2673	52	2	bank	bank	NOUN
ajbmeb-2673	52	3	,	,	PUNCT
ajbmeb-2673	52	4	independently	independently	ADV
ajbmeb-2673	52	5	or	or	CCONJ
ajbmeb-2673	52	6	by	by	ADP
ajbmeb-2673	52	7	involving	involve	VERB
ajbmeb-2673	52	8	the	the	DET
ajbmeb-2673	52	9	company	company	NOUN
ajbmeb-2673	52	10	's	's	PART
ajbmeb-2673	52	11	experts	expert	NOUN
ajbmeb-2673	52	12	,	,	PUNCT
ajbmeb-2673	52	13	fine	fine	ADJ
ajbmeb-2673	52	14	-	-	PUNCT
ajbmeb-2673	52	15	tunes	tune	NOUN
ajbmeb-2673	52	16	the	the	DET
ajbmeb-2673	52	17	client	client	NOUN
ajbmeb-2673	52	18	's	's	PART
ajbmeb-2673	52	19	behavioral	behavioral	ADJ
ajbmeb-2673	52	20	model	model	NOUN
ajbmeb-2673	52	21	and	and	CCONJ
ajbmeb-2673	52	22	known	know	VERB
ajbmeb-2673	52	23	schemes	scheme	NOUN
ajbmeb-2673	52	24	for	for	ADP
ajbmeb-2673	52	25	carrying	carry	VERB
ajbmeb-2673	52	26	out	out	ADP
ajbmeb-2673	52	27	fraudulent	fraudulent	ADJ
ajbmeb-2673	52	28	transactions	transaction	NOUN
ajbmeb-2673	52	29	[	[	X
ajbmeb-2673	52	30	5	5	NUM
ajbmeb-2673	52	31	]	]	PUNCT
ajbmeb-2673	52	32	.	.	PUNCT
ajbmeb-2673	53	1	in	in	ADP
ajbmeb-2673	53	2	fact	fact	NOUN
ajbmeb-2673	53	3	,	,	PUNCT
ajbmeb-2673	53	4	the	the	DET
ajbmeb-2673	53	5	bank	bank	NOUN
ajbmeb-2673	53	6	forms	form	VERB
ajbmeb-2673	53	7	a	a	DET
ajbmeb-2673	53	8	set	set	NOUN
ajbmeb-2673	53	9	of	of	ADP
ajbmeb-2673	53	10	criteria	criterion	NOUN
ajbmeb-2673	53	11	on	on	ADP
ajbmeb-2673	53	12	the	the	DET
ajbmeb-2673	53	13	basis	basis	NOUN
ajbmeb-2673	53	14	of	of	ADP
ajbmeb-2673	53	15	which	which	PRON
ajbmeb-2673	53	16	the	the	DET
ajbmeb-2673	53	17	system	system	NOUN
ajbmeb-2673	53	18	carries	carry	VERB
ajbmeb-2673	53	19	out	out	ADP
ajbmeb-2673	53	20	an	an	DET
ajbmeb-2673	53	21	operational	operational	ADJ
ajbmeb-2673	53	22	check	check	NOUN
ajbmeb-2673	53	23	of	of	ADP
ajbmeb-2673	53	24	client	client	NOUN
ajbmeb-2673	53	25	payment	payment	NOUN
ajbmeb-2673	53	26	documents	document	NOUN
ajbmeb-2673	53	27	in	in	ADP
ajbmeb-2673	53	28	order	order	NOUN
ajbmeb-2673	53	29	to	to	PART
ajbmeb-2673	53	30	identify	identify	VERB
ajbmeb-2673	53	31	signs	sign	NOUN
ajbmeb-2673	53	32	of	of	ADP
ajbmeb-2673	53	33	atypical	atypical	ADJ
ajbmeb-2673	53	34	behavior	behavior	NOUN
ajbmeb-2673	53	35	and	and	CCONJ
ajbmeb-2673	53	36	fraud	fraud	NOUN
ajbmeb-2673	53	37	.	.	PUNCT
ajbmeb-2673	54	1	the	the	DET
ajbmeb-2673	54	2	use	use	NOUN
ajbmeb-2673	54	3	of	of	ADP
ajbmeb-2673	54	4	a	a	DET
ajbmeb-2673	54	5	behavioral	behavioral	ADJ
ajbmeb-2673	54	6	model	model	NOUN
ajbmeb-2673	54	7	allows	allow	VERB
ajbmeb-2673	54	8	you	you	PRON
ajbmeb-2673	54	9	to	to	PART
ajbmeb-2673	54	10	take	take	VERB
ajbmeb-2673	54	11	into	into	ADP
ajbmeb-2673	54	12	account	account	NOUN
ajbmeb-2673	54	13	the	the	DET
ajbmeb-2673	54	14	specifics	specific	NOUN
ajbmeb-2673	54	15	of	of	ADP
ajbmeb-2673	54	16	the	the	DET
ajbmeb-2673	54	17	bank	bank	NOUN
ajbmeb-2673	54	18	's	's	PART
ajbmeb-2673	54	19	activities	activity	NOUN
ajbmeb-2673	54	20	and	and	CCONJ
ajbmeb-2673	54	21	perform	perform	VERB
ajbmeb-2673	54	22	individual	individual	ADJ
ajbmeb-2673	54	23	settings	setting	NOUN
ajbmeb-2673	54	24	for	for	ADP
ajbmeb-2673	54	25	checking	check	VERB
ajbmeb-2673	54	26	payments	payment	NOUN
ajbmeb-2673	54	27	unknown	unknown	ADJ
ajbmeb-2673	54	28	to	to	ADP
ajbmeb-2673	54	29	potential	potential	ADJ
ajbmeb-2673	54	30	fraudsters	fraudster	NOUN
ajbmeb-2673	54	31	.	.	PUNCT
ajbmeb-2673	55	1	at	at	ADP
ajbmeb-2673	55	2	the	the	DET
ajbmeb-2673	55	3	initial	initial	ADJ
ajbmeb-2673	55	4	stage	stage	NOUN
ajbmeb-2673	55	5	of	of	ADP
ajbmeb-2673	55	6	improvement	improvement	NOUN
ajbmeb-2673	55	7	and	and	CCONJ
ajbmeb-2673	55	8	development	development	NOUN
ajbmeb-2673	55	9	of	of	ADP
ajbmeb-2673	55	10	online	online	ADJ
ajbmeb-2673	55	11	banking	banking	NOUN
ajbmeb-2673	55	12	services	service	NOUN
ajbmeb-2673	55	13	in	in	ADP
ajbmeb-2673	55	14	commercial	commercial	ADJ
ajbmeb-2673	55	15	banks	bank	NOUN
ajbmeb-2673	55	16	of	of	ADP
ajbmeb-2673	55	17	the	the	DET
ajbmeb-2673	55	18	republic	republic	NOUN
ajbmeb-2673	55	19	of	of	ADP
ajbmeb-2673	55	20	uzbekistan	uzbekistan	PROPN
ajbmeb-2673	55	21	,	,	PUNCT
ajbmeb-2673	55	22	telephone	telephone	NOUN
ajbmeb-2673	55	23	banking	banking	NOUN
ajbmeb-2673	55	24	was	be	AUX
ajbmeb-2673	55	25	the	the	DET
ajbmeb-2673	55	26	most	most	ADV
ajbmeb-2673	55	27	popular	popular	ADJ
ajbmeb-2673	55	28	form	form	NOUN
ajbmeb-2673	55	29	of	of	ADP
ajbmeb-2673	55	30	remote	remote	ADJ
ajbmeb-2673	55	31	services	service	NOUN
ajbmeb-2673	55	32	.	.	PUNCT
ajbmeb-2673	56	1	this	this	PRON
ajbmeb-2673	56	2	happened	happen	VERB
ajbmeb-2673	56	3	due	due	ADP
ajbmeb-2673	56	4	to	to	ADP
ajbmeb-2673	56	5	the	the	DET
ajbmeb-2673	56	6	widespread	widespread	ADJ
ajbmeb-2673	56	7	use	use	NOUN
ajbmeb-2673	56	8	and	and	CCONJ
ajbmeb-2673	56	9	availability	availability	NOUN
ajbmeb-2673	56	10	of	of	ADP
ajbmeb-2673	56	11	phones	phone	NOUN
ajbmeb-2673	56	12	.	.	PUNCT
ajbmeb-2673	57	1	telephone	telephone	NOUN
ajbmeb-2673	57	2	banking	banking	NOUN
ajbmeb-2673	57	3	was	be	AUX
ajbmeb-2673	57	4	in	in	ADP
ajbmeb-2673	57	5	high	high	ADJ
ajbmeb-2673	57	6	demand	demand	NOUN
ajbmeb-2673	57	7	from	from	ADP
ajbmeb-2673	57	8	both	both	CCONJ
ajbmeb-2673	57	9	corporate	corporate	ADJ
ajbmeb-2673	57	10	and	and	CCONJ
ajbmeb-2673	57	11	private	private	ADJ
ajbmeb-2673	57	12	clients	client	NOUN
ajbmeb-2673	57	13	.	.	PUNCT
ajbmeb-2673	58	1	using	use	VERB
ajbmeb-2673	58	2	the	the	DET
ajbmeb-2673	58	3	telephone	telephone	NOUN
ajbmeb-2673	58	4	banking	banking	NOUN
ajbmeb-2673	58	5	system	system	NOUN
ajbmeb-2673	58	6	,	,	PUNCT
ajbmeb-2673	58	7	the	the	DET
ajbmeb-2673	58	8	client	client	NOUN
ajbmeb-2673	58	9	could	could	AUX
ajbmeb-2673	58	10	receive	receive	VERB
ajbmeb-2673	58	11	both	both	DET
ajbmeb-2673	58	12	information	information	NOUN
ajbmeb-2673	58	13	services	service	NOUN
ajbmeb-2673	58	14	from	from	ADP
ajbmeb-2673	58	15	the	the	DET
ajbmeb-2673	58	16	bank	bank	NOUN
ajbmeb-2673	58	17	and	and	CCONJ
ajbmeb-2673	58	18	manage	manage	VERB
ajbmeb-2673	58	19	funds	fund	NOUN
ajbmeb-2673	58	20	in	in	ADP
ajbmeb-2673	58	21	their	their	PRON
ajbmeb-2673	58	22	accounts	account	NOUN
ajbmeb-2673	58	23	.	.	PUNCT
ajbmeb-2673	59	1	however	however	ADV
ajbmeb-2673	59	2	,	,	PUNCT
ajbmeb-2673	59	3	the	the	DET
ajbmeb-2673	59	4	beginning	beginning	NOUN
ajbmeb-2673	59	5	of	of	ADP
ajbmeb-2673	59	6	the	the	DET
ajbmeb-2673	59	7	mass	mass	ADJ
ajbmeb-2673	59	8	use	use	NOUN
ajbmeb-2673	59	9	of	of	ADP
ajbmeb-2673	59	10	personal	personal	ADJ
ajbmeb-2673	59	11	computers	computer	NOUN
ajbmeb-2673	59	12	and	and	CCONJ
ajbmeb-2673	59	13	the	the	DET
ajbmeb-2673	59	14	internet	internet	NOUN
ajbmeb-2673	59	15	led	lead	VERB
ajbmeb-2673	59	16	to	to	ADP
ajbmeb-2673	59	17	the	the	DET
ajbmeb-2673	59	18	fact	fact	NOUN
ajbmeb-2673	59	19	that	that	SCONJ
ajbmeb-2673	59	20	telephone	telephone	NOUN
ajbmeb-2673	59	21	banking	banking	NOUN
ajbmeb-2673	59	22	was	be	AUX
ajbmeb-2673	59	23	increasingly	increasingly	ADV
ajbmeb-2673	59	24	replaced	replace	VERB
ajbmeb-2673	59	25	by	by	ADP
ajbmeb-2673	59	26	other	other	ADJ
ajbmeb-2673	59	27	more	more	ADV
ajbmeb-2673	59	28	modern	modern	ADJ
ajbmeb-2673	59	29	and	and	CCONJ
ajbmeb-2673	59	30	convenient	convenient	ADJ
ajbmeb-2673	59	31	forms	form	NOUN
ajbmeb-2673	59	32	of	of	ADP
ajbmeb-2673	59	33	obs	obs	PROPN
ajbmeb-2673	59	34	.	.	PUNCT
ajbmeb-2673	60	1	recently	recently	ADV
ajbmeb-2673	60	2	,	,	PUNCT
ajbmeb-2673	60	3	a	a	DET
ajbmeb-2673	60	4	division	division	NOUN
ajbmeb-2673	60	5	responsible	responsible	ADJ
ajbmeb-2673	60	6	for	for	ADP
ajbmeb-2673	60	7	the	the	DET
ajbmeb-2673	60	8	latest	late	ADJ
ajbmeb-2673	60	9	financial	financial	ADJ
ajbmeb-2673	60	10	technologies	technology	NOUN
ajbmeb-2673	60	11	was	be	AUX
ajbmeb-2673	60	12	created	create	VERB
ajbmeb-2673	60	13	in	in	ADP
ajbmeb-2673	60	14	the	the	DET
ajbmeb-2673	60	15	banking	banking	NOUN
ajbmeb-2673	60	16	system	system	NOUN
ajbmeb-2673	60	17	.	.	PUNCT
ajbmeb-2673	61	1	the	the	DET
ajbmeb-2673	61	2	emergence	emergence	NOUN
ajbmeb-2673	61	3	of	of	ADP
ajbmeb-2673	61	4	such	such	DET
ajbmeb-2673	61	5	a	a	DET
ajbmeb-2673	61	6	division	division	NOUN
ajbmeb-2673	61	7	is	be	AUX
ajbmeb-2673	61	8	a	a	DET
ajbmeb-2673	61	9	very	very	ADV
ajbmeb-2673	61	10	good	good	ADJ
ajbmeb-2673	61	11	sign	sign	NOUN
ajbmeb-2673	61	12	for	for	ADP
ajbmeb-2673	61	13	the	the	DET
ajbmeb-2673	61	14	entire	entire	ADJ
ajbmeb-2673	61	15	banking	banking	NOUN
ajbmeb-2673	61	16	industry	industry	NOUN
ajbmeb-2673	61	17	.	.	PUNCT
ajbmeb-2673	62	1	this	this	PRON
ajbmeb-2673	62	2	will	will	AUX
ajbmeb-2673	62	3	allow	allow	VERB
ajbmeb-2673	62	4	commercial	commercial	ADJ
ajbmeb-2673	62	5	banks	bank	NOUN
ajbmeb-2673	62	6	to	to	PART
ajbmeb-2673	62	7	speak	speak	VERB
ajbmeb-2673	62	8	the	the	DET
ajbmeb-2673	62	9	same	same	ADJ
ajbmeb-2673	62	10	language	language	NOUN
ajbmeb-2673	62	11	with	with	ADP
ajbmeb-2673	62	12	the	the	DET
ajbmeb-2673	62	13	regulator	regulator	NOUN
ajbmeb-2673	62	14	the	the	DET
ajbmeb-2673	62	15	language	language	NOUN
ajbmeb-2673	62	16	of	of	ADP
ajbmeb-2673	62	17	modern	modern	ADJ
ajbmeb-2673	62	18	technologies	technology	NOUN
ajbmeb-2673	62	19	and	and	CCONJ
ajbmeb-2673	62	20	best	good	ADJ
ajbmeb-2673	62	21	practices	practice	NOUN
ajbmeb-2673	62	22	.	.	PUNCT
ajbmeb-2673	63	1	the	the	DET
ajbmeb-2673	63	2	main	main	ADJ
ajbmeb-2673	63	3	source	source	NOUN
ajbmeb-2673	63	4	of	of	ADP
ajbmeb-2673	63	5	income	income	NOUN
ajbmeb-2673	63	6	from	from	ADP
ajbmeb-2673	63	7	internet	internet	NOUN
ajbmeb-2673	63	8	and	and	CCONJ
ajbmeb-2673	63	9	mobile	mobile	ADJ
ajbmeb-2673	63	10	banking	banking	NOUN
ajbmeb-2673	63	11	is	be	AUX
ajbmeb-2673	63	12	transaction	transaction	NOUN
ajbmeb-2673	63	13	fees	fee	NOUN
ajbmeb-2673	63	14	,	,	PUNCT
ajbmeb-2673	63	15	that	that	ADV
ajbmeb-2673	63	16	is	is	ADV
ajbmeb-2673	63	17	,	,	PUNCT
ajbmeb-2673	63	18	payments	payment	NOUN
ajbmeb-2673	63	19	and	and	CCONJ
ajbmeb-2673	63	20	transfers	transfer	NOUN
ajbmeb-2673	63	21	.	.	PUNCT
ajbmeb-2673	64	1	these	these	DET
ajbmeb-2673	64	2	functions	function	NOUN
ajbmeb-2673	64	3	are	be	AUX
ajbmeb-2673	64	4	playing	play	VERB
ajbmeb-2673	64	5	an	an	DET
ajbmeb-2673	64	6	increasingly	increasingly	ADV
ajbmeb-2673	64	7	important	important	ADJ
ajbmeb-2673	64	8	role	role	NOUN
ajbmeb-2673	64	9	in	in	ADP
ajbmeb-2673	64	10	the	the	DET
ajbmeb-2673	64	11	banking	banking	NOUN
ajbmeb-2673	64	12	business	business	NOUN
ajbmeb-2673	64	13	,	,	PUNCT
ajbmeb-2673	64	14	since	since	SCONJ
ajbmeb-2673	64	15	lending	lending	NOUN
ajbmeb-2673	64	16	is	be	AUX
ajbmeb-2673	64	17	declining	decline	VERB
ajbmeb-2673	64	18	in	in	ADP
ajbmeb-2673	64	19	the	the	DET
ajbmeb-2673	64	20	current	current	ADJ
ajbmeb-2673	64	21	conditions	condition	NOUN
ajbmeb-2673	64	22	.	.	PUNCT
ajbmeb-2673	65	1	the	the	DET
ajbmeb-2673	65	2	number	number	NOUN
ajbmeb-2673	65	3	and	and	CCONJ
ajbmeb-2673	65	4	amounts	amount	NOUN
ajbmeb-2673	65	5	of	of	ADP
ajbmeb-2673	65	6	transactions	transaction	NOUN
ajbmeb-2673	65	7	in	in	ADP
ajbmeb-2673	65	8	mobile	mobile	ADJ
ajbmeb-2673	65	9	banking	banking	NOUN
ajbmeb-2673	65	10	are	be	AUX
ajbmeb-2673	65	11	growing	grow	VERB
ajbmeb-2673	65	12	,	,	PUNCT
ajbmeb-2673	65	13	and	and	CCONJ
ajbmeb-2673	65	14	the	the	DET
ajbmeb-2673	65	15	number	number	NOUN
ajbmeb-2673	65	16	of	of	ADP
ajbmeb-2673	65	17	functions	function	NOUN
ajbmeb-2673	65	18	used	use	VERB
ajbmeb-2673	65	19	is	be	AUX
ajbmeb-2673	65	20	increasing	increase	VERB
ajbmeb-2673	65	21	.	.	PUNCT
ajbmeb-2673	66	1	a	a	DET
ajbmeb-2673	66	2	mobile	mobile	ADJ
ajbmeb-2673	66	3	application	application	NOUN
ajbmeb-2673	66	4	can	can	AUX
ajbmeb-2673	66	5	significantly	significantly	ADV
ajbmeb-2673	66	6	reduce	reduce	VERB
ajbmeb-2673	66	7	the	the	DET
ajbmeb-2673	66	8	bank	bank	NOUN
ajbmeb-2673	66	9	's	's	PART
ajbmeb-2673	66	10	costs	cost	NOUN
ajbmeb-2673	66	11	for	for	ADP
ajbmeb-2673	66	12	online	online	ADJ
ajbmeb-2673	66	13	services	service	NOUN
ajbmeb-2673	66	14	.	.	PUNCT
ajbmeb-2673	67	1	banks	bank	NOUN
ajbmeb-2673	67	2	are	be	AUX
ajbmeb-2673	67	3	very	very	ADV
ajbmeb-2673	67	4	concerned	concerned	ADJ
ajbmeb-2673	67	5	about	about	ADP
ajbmeb-2673	67	6	the	the	DET
ajbmeb-2673	67	7	pricing	pricing	NOUN
ajbmeb-2673	67	8	policy	policy	NOUN
ajbmeb-2673	67	9	of	of	ADP
ajbmeb-2673	67	10	mobile	mobile	ADJ
ajbmeb-2673	67	11	operators	operator	NOUN
ajbmeb-2673	67	12	,	,	PUNCT
ajbmeb-2673	67	13	who	who	PRON
ajbmeb-2673	67	14	are	be	AUX
ajbmeb-2673	67	15	constantly	constantly	ADV
ajbmeb-2673	67	16	raising	raise	VERB
ajbmeb-2673	67	17	the	the	DET
ajbmeb-2673	67	18	cost	cost	NOUN
ajbmeb-2673	67	19	of	of	ADP
ajbmeb-2673	67	20	sms	sms	PROPN
ajbmeb-2673	67	21	,	,	PUNCT
ajbmeb-2673	67	22	which	which	PRON
ajbmeb-2673	67	23	is	be	AUX
ajbmeb-2673	67	24	now	now	ADV
ajbmeb-2673	67	25	the	the	DET
ajbmeb-2673	67	26	main	main	ADJ
ajbmeb-2673	67	27	way	way	NOUN
ajbmeb-2673	67	28	to	to	PART
ajbmeb-2673	67	29	transmit	transmit	VERB
ajbmeb-2673	67	30	one	one	NUM
ajbmeb-2673	67	31	-	-	PUNCT
ajbmeb-2673	67	32	time	time	NOUN
ajbmeb-2673	67	33	passwords	password	NOUN
ajbmeb-2673	67	34	to	to	PART
ajbmeb-2673	67	35	confirm	confirm	VERB
ajbmeb-2673	67	36	transactions	transaction	NOUN
ajbmeb-2673	67	37	by	by	ADP
ajbmeb-2673	67	38	clients	client	NOUN
ajbmeb-2673	67	39	.	.	PUNCT
ajbmeb-2673	68	1	financial	financial	ADJ
ajbmeb-2673	68	2	institutions	institution	NOUN
ajbmeb-2673	68	3	see	see	VERB
ajbmeb-2673	68	4	a	a	DET
ajbmeb-2673	68	5	way	way	NOUN
ajbmeb-2673	68	6	out	out	ADP
ajbmeb-2673	68	7	of	of	ADP
ajbmeb-2673	68	8	this	this	DET
ajbmeb-2673	68	9	situation	situation	NOUN
ajbmeb-2673	68	10	in	in	ADP
ajbmeb-2673	68	11	using	use	VERB
ajbmeb-2673	68	12	push	push	NOUN
ajbmeb-2673	68	13	notifications	notification	NOUN
ajbmeb-2673	68	14	as	as	ADP
ajbmeb-2673	68	15	an	an	DET
ajbmeb-2673	68	16	alternative	alternative	ADJ
ajbmeb-2673	68	17	pop	pop	VERB
ajbmeb-2673	68	18	-	-	PUNCT
ajbmeb-2673	68	19	up	up	ADP
ajbmeb-2673	68	20	messages	message	NOUN
ajbmeb-2673	68	21	sent	send	VERB
ajbmeb-2673	68	22	via	via	ADP
ajbmeb-2673	68	23	a	a	DET
ajbmeb-2673	68	24	mobile	mobile	ADJ
ajbmeb-2673	68	25	data	data	NOUN
ajbmeb-2673	68	26	channel	channel	NOUN
ajbmeb-2673	68	27	to	to	ADP
ajbmeb-2673	68	28	the	the	DET
ajbmeb-2673	68	29	banking	banking	NOUN
ajbmeb-2673	68	30	application	application	NOUN
ajbmeb-2673	68	31	.	.	PUNCT
ajbmeb-2673	69	1	push	push	NOUN
ajbmeb-2673	69	2	notifications	notification	NOUN
ajbmeb-2673	69	3	not	not	PART
ajbmeb-2673	69	4	only	only	ADV
ajbmeb-2673	69	5	cost	cost	VERB
ajbmeb-2673	69	6	less	less	ADJ
ajbmeb-2673	69	7	,	,	PUNCT
ajbmeb-2673	69	8	but	but	CCONJ
ajbmeb-2673	69	9	also	also	ADV
ajbmeb-2673	69	10	arrive	arrive	VERB
ajbmeb-2673	69	11	faster	fast	ADV
ajbmeb-2673	69	12	.	.	PUNCT
ajbmeb-2673	70	1	however	however	ADV
ajbmeb-2673	70	2	,	,	PUNCT
ajbmeb-2673	70	3	the	the	DET
ajbmeb-2673	70	4	user	user	NOUN
ajbmeb-2673	70	5	must	must	AUX
ajbmeb-2673	70	6	have	have	VERB
ajbmeb-2673	70	7	mobile	mobile	ADJ
ajbmeb-2673	70	8	internet	internet	NOUN
ajbmeb-2673	70	9	,	,	PUNCT
ajbmeb-2673	70	10	and	and	CCONJ
ajbmeb-2673	70	11	abroad	abroad	ADV
ajbmeb-2673	70	12	,	,	PUNCT
ajbmeb-2673	70	13	for	for	ADP
ajbmeb-2673	70	14	example	example	NOUN
ajbmeb-2673	70	15	,	,	PUNCT
ajbmeb-2673	70	16	not	not	PART
ajbmeb-2673	70	17	everyone	everyone	PRON
ajbmeb-2673	70	18	can	can	AUX
ajbmeb-2673	70	19	afford	afford	VERB
ajbmeb-2673	70	20	to	to	PART
ajbmeb-2673	70	21	use	use	VERB
ajbmeb-2673	70	22	it	it	PRON
ajbmeb-2673	70	23	in	in	ADP
ajbmeb-2673	70	24	roaming	roam	VERB
ajbmeb-2673	70	25	.	.	PUNCT
ajbmeb-2673	71	1	in	in	ADP
ajbmeb-2673	71	2	case	case	NOUN
ajbmeb-2673	71	3	the	the	DET
ajbmeb-2673	71	4	push	push	NOUN
ajbmeb-2673	71	5	notification	notification	NOUN
ajbmeb-2673	71	6	does	do	AUX
ajbmeb-2673	71	7	not	not	PART
ajbmeb-2673	71	8	arrive	arrive	VERB
ajbmeb-2673	71	9	,	,	PUNCT
ajbmeb-2673	71	10	banks	bank	NOUN
ajbmeb-2673	71	11	leave	leave	VERB
ajbmeb-2673	71	12	sms	sms	PROPN
ajbmeb-2673	71	13	as	as	ADP
ajbmeb-2673	71	14	an	an	DET
ajbmeb-2673	71	15	alternative	alternative	NOUN
ajbmeb-2673	71	16	.	.	PUNCT
ajbmeb-2673	72	1	to	to	PART
ajbmeb-2673	72	2	summarize	summarize	VERB
ajbmeb-2673	72	3	,	,	PUNCT
ajbmeb-2673	72	4	we	we	PRON
ajbmeb-2673	72	5	can	can	AUX
ajbmeb-2673	72	6	say	say	VERB
ajbmeb-2673	72	7	that	that	SCONJ
ajbmeb-2673	72	8	online	online	ADJ
ajbmeb-2673	72	9	banking	banking	NOUN
ajbmeb-2673	72	10	in	in	ADP
ajbmeb-2673	72	11	commercial	commercial	ADJ
ajbmeb-2673	72	12	banks	bank	NOUN
ajbmeb-2673	72	13	of	of	ADP
ajbmeb-2673	72	14	the	the	DET
ajbmeb-2673	72	15	republic	republic	NOUN
ajbmeb-2673	72	16	of	of	ADP
ajbmeb-2673	72	17	uzbekistan	uzbekistan	PROPN
ajbmeb-2673	72	18	is	be	AUX
ajbmeb-2673	72	19	one	one	NUM
ajbmeb-2673	72	20	of	of	ADP
ajbmeb-2673	72	21	the	the	DET
ajbmeb-2673	72	22	striking	striking	ADJ
ajbmeb-2673	72	23	examples	example	NOUN
ajbmeb-2673	72	24	of	of	ADP
ajbmeb-2673	72	25	the	the	DET
ajbmeb-2673	72	26	use	use	NOUN
ajbmeb-2673	72	27	of	of	ADP
ajbmeb-2673	72	28	advanced	advanced	ADJ
ajbmeb-2673	72	29	technologies	technology	NOUN
ajbmeb-2673	72	30	that	that	PRON
ajbmeb-2673	72	31	allow	allow	VERB
ajbmeb-2673	72	32	us	we	PRON
ajbmeb-2673	72	33	to	to	PART
ajbmeb-2673	72	34	transfer	transfer	VERB
ajbmeb-2673	72	35	banking	banking	NOUN
ajbmeb-2673	72	36	services	service	NOUN
ajbmeb-2673	72	37	to	to	ADP
ajbmeb-2673	72	38	a	a	DET
ajbmeb-2673	72	39	completely	completely	ADV
ajbmeb-2673	72	40	new	new	ADJ
ajbmeb-2673	72	41	quality	quality	NOUN
ajbmeb-2673	72	42	level	level	NOUN
ajbmeb-2673	72	43	.	.	PUNCT
ajbmeb-2673	73	1	this	this	PRON
ajbmeb-2673	73	2	is	be	AUX
ajbmeb-2673	73	3	not	not	PART
ajbmeb-2673	73	4	just	just	ADV
ajbmeb-2673	73	5	a	a	DET
ajbmeb-2673	73	6	new	new	ADJ
ajbmeb-2673	73	7	form	form	NOUN
ajbmeb-2673	73	8	of	of	ADP
ajbmeb-2673	73	9	providing	provide	VERB
ajbmeb-2673	73	10	banking	banking	NOUN
ajbmeb-2673	73	11	products	product	NOUN
ajbmeb-2673	73	12	and	and	CCONJ
ajbmeb-2673	73	13	services	service	NOUN
ajbmeb-2673	73	14	to	to	ADP
ajbmeb-2673	73	15	clients	client	NOUN
ajbmeb-2673	73	16	.	.	PUNCT
ajbmeb-2673	74	1	this	this	PRON
ajbmeb-2673	74	2	is	be	AUX
ajbmeb-2673	74	3	a	a	DET
ajbmeb-2673	74	4	completely	completely	ADV
ajbmeb-2673	74	5	different	different	ADJ
ajbmeb-2673	74	6	approach	approach	NOUN
ajbmeb-2673	74	7	to	to	ADP
ajbmeb-2673	74	8	banking	bank	VERB
ajbmeb-2673	74	9	much	much	ADV
ajbmeb-2673	74	10	faster	fast	ADV
ajbmeb-2673	74	11	,	,	PUNCT
ajbmeb-2673	74	12	more	more	ADV
ajbmeb-2673	74	13	reliable	reliable	ADJ
ajbmeb-2673	74	14	,	,	PUNCT
ajbmeb-2673	74	15	more	more	ADV
ajbmeb-2673	74	16	convenient	convenient	ADJ
ajbmeb-2673	74	17	and	and	CCONJ
ajbmeb-2673	74	18	safer	safe	ADJ
ajbmeb-2673	74	19	than	than	SCONJ
ajbmeb-2673	74	20	it	it	PRON
ajbmeb-2673	74	21	was	be	AUX
ajbmeb-2673	74	22	before	before	ADV
ajbmeb-2673	74	23	.	.	PUNCT
ajbmeb-2673	75	1	american	american	PROPN
ajbmeb-2673	75	2	journal	journal	PROPN
ajbmeb-2673	75	3	of	of	ADP
ajbmeb-2673	75	4	business	business	NOUN
ajbmeb-2673	75	5	management	management	NOUN
ajbmeb-2673	75	6	,	,	PUNCT
ajbmeb-2673	75	7	economics	economic	NOUN
ajbmeb-2673	75	8	and	and	CCONJ
ajbmeb-2673	75	9	banking	banking	NOUN
ajbmeb-2673	75	10	volume	volume	NOUN
ajbmeb-2673	75	11	32	32	NUM
ajbmeb-2673	75	12	january	january	PROPN
ajbmeb-2673	75	13	2025	2025	NUM
ajbmeb-2673	75	14	p	p	NOUN
ajbmeb-2673	75	15	a	a	DET
ajbmeb-2673	75	16	g	g	NOUN
ajbmeb-2673	75	17	e	e	PROPN
ajbmeb-2673	75	18	|	|	ADV
ajbmeb-2673	75	19	89	89	NUM
ajbmeb-2673	75	20	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2673	75	21	references	reference	NOUN
ajbmeb-2673	75	22	1	1	NUM
ajbmeb-2673	75	23	.	.	PUNCT
ajbmeb-2673	75	24	madrakhimov	madrakhimov	PROPN
ajbmeb-2673	75	25	m.	m.	NOUN
ajbmeb-2673	75	26	ensuring	ensure	VERB
ajbmeb-2673	75	27	information	information	NOUN
ajbmeb-2673	75	28	security	security	NOUN
ajbmeb-2673	75	29	in	in	ADP
ajbmeb-2673	75	30	internet	internet	NOUN
ajbmeb-2673	75	31	banking	banking	NOUN
ajbmeb-2673	75	32	systems	system	NOUN
ajbmeb-2673	75	33	//	//	SYM
ajbmeb-2673	75	34	money	money	NOUN
ajbmeb-2673	75	35	and	and	CCONJ
ajbmeb-2673	75	36	credit	credit	NOUN
ajbmeb-2673	75	37	.	.	PUNCT
ajbmeb-2673	76	1	2024	2024	NUM
ajbmeb-2673	76	2	.	.	PUNCT
ajbmeb-2673	77	1	no	no	INTJ
ajbmeb-2673	77	2	.	.	NOUN
ajbmeb-2673	78	1	3	3	X
ajbmeb-2673	78	2	.	.	PUNCT
ajbmeb-2673	79	1	p.	p.	NOUN
ajbmeb-2673	79	2	161	161	NUM
ajbmeb-2673	79	3	-	-	SYM
ajbmeb-2673	79	4	163	163	NUM
ajbmeb-2673	79	5	.	.	NOUN
ajbmeb-2673	79	6	2	2	NUM
ajbmeb-2673	79	7	.	.	X
ajbmeb-2673	79	8	nosirova	nosirova	PROPN
ajbmeb-2673	79	9	d.	d.	PROPN
ajbmeb-2673	79	10	(	(	PUNCT
ajbmeb-2673	79	11	2023	2023	NUM
ajbmeb-2673	79	12	)	)	PUNCT
ajbmeb-2673	79	13	.	.	PUNCT
ajbmeb-2673	80	1	the	the	DET
ajbmeb-2673	80	2	importance	importance	NOUN
ajbmeb-2673	80	3	of	of	ADP
ajbmeb-2673	80	4	providing	provide	VERB
ajbmeb-2673	80	5	modern	modern	ADJ
ajbmeb-2673	80	6	banking	banking	NOUN
ajbmeb-2673	80	7	services	service	NOUN
ajbmeb-2673	80	8	in	in	ADP
ajbmeb-2673	80	9	commercial	commercial	ADJ
ajbmeb-2673	80	10	banks	bank	NOUN
ajbmeb-2673	80	11	.	.	PUNCT
ajbmeb-2673	81	1	science	science	NOUN
ajbmeb-2673	81	2	and	and	CCONJ
ajbmeb-2673	81	3	education	education	NOUN
ajbmeb-2673	81	4	,	,	PUNCT
ajbmeb-2673	81	5	4	4	NUM
ajbmeb-2673	81	6	(	(	PUNCT
ajbmeb-2673	81	7	5	5	NUM
ajbmeb-2673	81	8	)	)	PUNCT
ajbmeb-2673	81	9	,	,	PUNCT
ajbmeb-2673	81	10	1301	1301	NUM
ajbmeb-2673	81	11	-	-	SYM
ajbmeb-2673	81	12	1309	1309	NUM
ajbmeb-2673	81	13	.	.	PUNCT
ajbmeb-2673	82	1	3	3	X
ajbmeb-2673	82	2	.	.	X
ajbmeb-2673	82	3	rasulova	rasulova	PROPN
ajbmeb-2673	82	4	a.t	a.t	PROPN
ajbmeb-2673	82	5	.	.	PROPN
ajbmeb-2673	82	6	,	,	PUNCT
ajbmeb-2673	82	7	turaeva	turaeva	PROPN
ajbmeb-2673	82	8	m.m	m.m	PROPN
ajbmeb-2673	82	9	.	.	PROPN
ajbmeb-2673	82	10	forecast	forecast	PROPN
ajbmeb-2673	82	11	of	of	ADP
ajbmeb-2673	82	12	the	the	DET
ajbmeb-2673	82	13	development	development	NOUN
ajbmeb-2673	82	14	of	of	ADP
ajbmeb-2673	82	15	investment	investment	NOUN
ajbmeb-2673	82	16	attractiveness	attractiveness	NOUN
ajbmeb-2673	82	17	of	of	ADP
ajbmeb-2673	82	18	the	the	DET
ajbmeb-2673	82	19	banking	banking	NOUN
ajbmeb-2673	82	20	system	system	NOUN
ajbmeb-2673	82	21	in	in	ADP
ajbmeb-2673	82	22	modern	modern	ADJ
ajbmeb-2673	82	23	international	international	ADJ
ajbmeb-2673	82	24	economic	economic	ADJ
ajbmeb-2673	82	25	conditions	condition	NOUN
ajbmeb-2673	82	26	//	//	SYM
ajbmeb-2673	82	27	investments	investment	NOUN
ajbmeb-2673	82	28	in	in	ADP
ajbmeb-2673	82	29	the	the	DET
ajbmeb-2673	82	30	world	world	NOUN
ajbmeb-2673	82	31	.	.	PUNCT
ajbmeb-2673	83	1	2024	2024	NUM
ajbmeb-2673	83	2	.	.	PUNCT
ajbmeb-2673	84	1	no	no	INTJ
ajbmeb-2673	84	2	.	.	NOUN
ajbmeb-2673	85	1	11	11	NUM
ajbmeb-2673	85	2	.	.	PUNCT
ajbmeb-2673	86	1	p.	p.	NOUN
ajbmeb-2673	86	2	16	16	NUM
ajbmeb-2673	86	3	-	-	SYM
ajbmeb-2673	86	4	22	22	NUM
ajbmeb-2673	86	5	.	.	PUNCT
ajbmeb-2673	87	1	4	4	NUM
ajbmeb-2673	87	2	.	.	X
ajbmeb-2673	87	3	yusupov	yusupov	NOUN
ajbmeb-2673	87	4	v.	v.	ADP
ajbmeb-2673	87	5	banks	bank	NOUN
ajbmeb-2673	87	6	and	and	CCONJ
ajbmeb-2673	87	7	banking	banking	NOUN
ajbmeb-2673	87	8	services	service	NOUN
ajbmeb-2673	87	9	in	in	ADP
ajbmeb-2673	87	10	uzbekistan	uzbekistan	PROPN
ajbmeb-2673	87	11	:	:	PUNCT
ajbmeb-2673	87	12	issues	issue	NOUN
ajbmeb-2673	87	13	of	of	ADP
ajbmeb-2673	87	14	theory	theory	NOUN
ajbmeb-2673	87	15	and	and	CCONJ
ajbmeb-2673	87	16	practice	practice	NOUN
ajbmeb-2673	87	17	.	.	PUNCT
ajbmeb-2673	88	1	nukus	nukus	PROPN
ajbmeb-2673	88	2	-	-	PUNCT
ajbmeb-2673	88	3	kazan	kazan	PROPN
ajbmeb-2673	88	4	:	:	PUNCT
ajbmeb-2673	88	5	finance	finance	NOUN
ajbmeb-2673	88	6	and	and	CCONJ
ajbmeb-2673	88	7	statistics	statistic	NOUN
ajbmeb-2673	88	8	,	,	PUNCT
ajbmeb-2673	88	9	2023	2023	NUM
ajbmeb-2673	88	10	.	.	PUNCT
ajbmeb-2673	89	1	5	5	NUM
ajbmeb-2673	89	2	.	.	X
ajbmeb-2673	89	3	yuldashev	yuldashev	PROPN
ajbmeb-2673	89	4	j.	j.	PROPN
ajbmeb-2673	89	5	t.	t.	PROPN
ajbmeb-2673	89	6	(	(	PUNCT
ajbmeb-2673	89	7	2023	2023	NUM
ajbmeb-2673	89	8	)	)	PUNCT
ajbmeb-2673	89	9	mechanisms	mechanism	NOUN
ajbmeb-2673	89	10	for	for	ADP
ajbmeb-2673	89	11	the	the	DET
ajbmeb-2673	89	12	development	development	NOUN
ajbmeb-2673	89	13	of	of	ADP
ajbmeb-2673	89	14	online	online	ADJ
ajbmeb-2673	89	15	banking	banking	NOUN
ajbmeb-2673	89	16	in	in	ADP
ajbmeb-2673	89	17	uzbekistan//	uzbekistan//	NUM
ajbmeb-2673	89	18	bulletin	bulletin	NOUN
ajbmeb-2673	89	19	of	of	ADP
ajbmeb-2673	89	20	kokand	kokand	PROPN
ajbmeb-2673	89	21	university	university	PROPN
ajbmeb-2673	89	22	.	.	PUNCT
ajbmeb-2673	90	1	p.	p.	NOUN
ajbmeb-2673	90	2	119	119	NUM
ajbmeb-2673	90	3	-	-	SYM
ajbmeb-2673	90	4	122	122	NUM
ajbmeb-2673	90	5	.	.	PUNCT