id	sid	tid	token	lemma	pos
ajbmeb-2698	1	1	american	american	PROPN
ajbmeb-2698	1	2	journal	journal	PROPN
ajbmeb-2698	1	3	of	of	ADP
ajbmeb-2698	1	4	business	business	NOUN
ajbmeb-2698	1	5	management	management	NOUN
ajbmeb-2698	1	6	,	,	PUNCT
ajbmeb-2698	1	7	economics	economic	NOUN
ajbmeb-2698	1	8	and	and	CCONJ
ajbmeb-2698	1	9	banking	banking	NOUN
ajbmeb-2698	1	10	issn	issn	PROPN
ajbmeb-2698	1	11	(	(	PUNCT
ajbmeb-2698	1	12	e	e	NOUN
ajbmeb-2698	1	13	):	):	PUNCT
ajbmeb-2698	1	14	2832	2832	NUM
ajbmeb-2698	1	15	-	-	SYM
ajbmeb-2698	1	16	8078	8078	NUM
ajbmeb-2698	1	17	volume	volume	NOUN
ajbmeb-2698	1	18	33	33	NUM
ajbmeb-2698	1	19	,	,	PUNCT
ajbmeb-2698	1	20	february	february	PROPN
ajbmeb-2698	1	21	2025	2025	NUM
ajbmeb-2698	1	22	p	p	NOUN
ajbmeb-2698	1	23	a	a	DET
ajbmeb-2698	1	24	g	g	NOUN
ajbmeb-2698	1	25	e	e	NOUN
ajbmeb-2698	1	26	|	|	ADV
ajbmeb-2698	1	27	29	29	NUM
ajbmeb-2698	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2698	1	29	current	current	ADJ
ajbmeb-2698	1	30	issues	issue	NOUN
ajbmeb-2698	1	31	of	of	ADP
ajbmeb-2698	1	32	digitalization	digitalization	NOUN
ajbmeb-2698	1	33	of	of	ADP
ajbmeb-2698	1	34	the	the	DET
ajbmeb-2698	1	35	process	process	NOUN
ajbmeb-2698	1	36	of	of	ADP
ajbmeb-2698	1	37	lending	lending	NOUN
ajbmeb-2698	1	38	individuals	individual	NOUN
ajbmeb-2698	1	39	abdunazarov	abdunazarov	PROPN
ajbmeb-2698	1	40	shahrukh	shahrukh	PROPN
ajbmeb-2698	1	41	akrom	akrom	ADP
ajbmeb-2698	1	42	ugli	ugli	ADJ
ajbmeb-2698	1	43	“	"	PUNCT
ajbmeb-2698	1	44	independent	independent	ADJ
ajbmeb-2698	1	45	researcher	researcher	NOUN
ajbmeb-2698	1	46	of	of	ADP
ajbmeb-2698	1	47	the	the	DET
ajbmeb-2698	1	48	tashkent	tashkent	ADJ
ajbmeb-2698	1	49	city	city	PROPN
ajbmeb-2698	1	50	branch	branch	NOUN
ajbmeb-2698	1	51	of	of	ADP
ajbmeb-2698	1	52	the	the	DET
ajbmeb-2698	1	53	russian	russian	ADJ
ajbmeb-2698	1	54	university	university	PROPN
ajbmeb-2698	1	55	of	of	ADP
ajbmeb-2698	1	56	economics	economic	NOUN
ajbmeb-2698	1	57	named	name	VERB
ajbmeb-2698	1	58	after	after	ADP
ajbmeb-2698	1	59	g.v	g.v	PROPN
ajbmeb-2698	1	60	.	.	PROPN
ajbmeb-2698	1	61	plekhanov	plekhanov	NOUN
ajbmeb-2698	1	62	”	"	PUNCT
ajbmeb-2698	1	63	,	,	PUNCT
ajbmeb-2698	1	64	phd	phd	NOUN
ajbmeb-2698	1	65	.	.	PUNCT
ajbmeb-2698	2	1	е	е	X
ajbmeb-2698	2	2	-	-	NOUN
ajbmeb-2698	2	3	mail	mail	NOUN
ajbmeb-2698	2	4	:	:	PUNCT
ajbmeb-2698	3	1	shohrux_0507@mail.ru	shohrux_0507@mail.ru	VERB
ajbmeb-2698	3	2	orcid	orcid	NOUN
ajbmeb-2698	3	3	:	:	PUNCT
ajbmeb-2698	3	4	0000	0000	NUM
ajbmeb-2698	3	5	-	-	PUNCT
ajbmeb-2698	3	6	0002	0002	NUM
ajbmeb-2698	3	7	-	-	PUNCT
ajbmeb-2698	3	8	1767	1767	NUM
ajbmeb-2698	3	9	-	-	SYM
ajbmeb-2698	3	10	3709	3709	NUM
ajbmeb-2698	3	11	a	a	DET
ajbmeb-2698	3	12	b	b	PROPN
ajbmeb-2698	3	13	s	s	ADP
ajbmeb-2698	3	14	t	t	PROPN
ajbmeb-2698	3	15	r	r	NOUN
ajbmeb-2698	3	16	a	a	DET
ajbmeb-2698	3	17	c	c	NOUN
ajbmeb-2698	3	18	t	t	NOUN
ajbmeb-2698	3	19	k	k	X
ajbmeb-2698	3	20	e	e	PROPN
ajbmeb-2698	3	21	y	y	PROPN
ajbmeb-2698	3	22	w	w	NOUN
ajbmeb-2698	4	1	o	o	NOUN
ajbmeb-2698	4	2	r	r	NOUN
ajbmeb-2698	4	3	d	d	X
ajbmeb-2698	4	4	s	s	VERB
ajbmeb-2698	4	5	this	this	DET
ajbmeb-2698	4	6	article	article	NOUN
ajbmeb-2698	4	7	analyzes	analyze	VERB
ajbmeb-2698	4	8	the	the	DET
ajbmeb-2698	4	9	importance	importance	NOUN
ajbmeb-2698	4	10	of	of	ADP
ajbmeb-2698	4	11	digitization	digitization	NOUN
ajbmeb-2698	4	12	in	in	ADP
ajbmeb-2698	4	13	the	the	DET
ajbmeb-2698	4	14	process	process	NOUN
ajbmeb-2698	4	15	of	of	ADP
ajbmeb-2698	4	16	crediting	credit	VERB
ajbmeb-2698	4	17	individuals	individual	NOUN
ajbmeb-2698	4	18	and	and	CCONJ
ajbmeb-2698	4	19	its	its	PRON
ajbmeb-2698	4	20	role	role	NOUN
ajbmeb-2698	4	21	in	in	ADP
ajbmeb-2698	4	22	the	the	DET
ajbmeb-2698	4	23	modern	modern	ADJ
ajbmeb-2698	4	24	banking	banking	NOUN
ajbmeb-2698	4	25	system	system	NOUN
ajbmeb-2698	4	26	.	.	PUNCT
ajbmeb-2698	5	1	today	today	NOUN
ajbmeb-2698	5	2	,	,	PUNCT
ajbmeb-2698	5	3	digital	digital	ADJ
ajbmeb-2698	5	4	technologies	technology	NOUN
ajbmeb-2698	5	5	are	be	AUX
ajbmeb-2698	5	6	an	an	DET
ajbmeb-2698	5	7	important	important	ADJ
ajbmeb-2698	5	8	factor	factor	NOUN
ajbmeb-2698	5	9	in	in	ADP
ajbmeb-2698	5	10	automating	automate	VERB
ajbmeb-2698	5	11	banking	banking	NOUN
ajbmeb-2698	5	12	services	service	NOUN
ajbmeb-2698	5	13	,	,	PUNCT
ajbmeb-2698	5	14	increasing	increase	VERB
ajbmeb-2698	5	15	service	service	NOUN
ajbmeb-2698	5	16	speed	speed	NOUN
ajbmeb-2698	5	17	,	,	PUNCT
ajbmeb-2698	5	18	and	and	CCONJ
ajbmeb-2698	5	19	creating	create	VERB
ajbmeb-2698	5	20	convenience	convenience	NOUN
ajbmeb-2698	5	21	for	for	ADP
ajbmeb-2698	5	22	clients	client	NOUN
ajbmeb-2698	5	23	.	.	PUNCT
ajbmeb-2698	6	1	also	also	ADV
ajbmeb-2698	6	2	,	,	PUNCT
ajbmeb-2698	6	3	the	the	DET
ajbmeb-2698	6	4	article	article	NOUN
ajbmeb-2698	6	5	considers	consider	VERB
ajbmeb-2698	6	6	the	the	DET
ajbmeb-2698	6	7	main	main	ADJ
ajbmeb-2698	6	8	problems	problem	NOUN
ajbmeb-2698	6	9	of	of	ADP
ajbmeb-2698	6	10	the	the	DET
ajbmeb-2698	6	11	digitalization	digitalization	NOUN
ajbmeb-2698	6	12	of	of	ADP
ajbmeb-2698	6	13	the	the	DET
ajbmeb-2698	6	14	lending	lending	NOUN
ajbmeb-2698	6	15	process	process	NOUN
ajbmeb-2698	6	16	,	,	PUNCT
ajbmeb-2698	6	17	in	in	ADP
ajbmeb-2698	6	18	particular	particular	ADJ
ajbmeb-2698	6	19	,	,	PUNCT
ajbmeb-2698	6	20	issues	issue	NOUN
ajbmeb-2698	6	21	of	of	ADP
ajbmeb-2698	6	22	information	information	NOUN
ajbmeb-2698	6	23	security	security	NOUN
ajbmeb-2698	6	24	,	,	PUNCT
ajbmeb-2698	6	25	digital	digital	ADJ
ajbmeb-2698	6	26	inclusion	inclusion	NOUN
ajbmeb-2698	6	27	,	,	PUNCT
ajbmeb-2698	6	28	and	and	CCONJ
ajbmeb-2698	6	29	infrastructure	infrastructure	NOUN
ajbmeb-2698	6	30	improvement	improvement	NOUN
ajbmeb-2698	6	31	.	.	PUNCT
ajbmeb-2698	7	1	at	at	ADP
ajbmeb-2698	7	2	the	the	DET
ajbmeb-2698	7	3	same	same	ADJ
ajbmeb-2698	7	4	time	time	NOUN
ajbmeb-2698	7	5	,	,	PUNCT
ajbmeb-2698	7	6	foreign	foreign	ADJ
ajbmeb-2698	7	7	experiences	experience	NOUN
ajbmeb-2698	7	8	will	will	AUX
ajbmeb-2698	7	9	be	be	AUX
ajbmeb-2698	7	10	analyzed	analyze	VERB
ajbmeb-2698	7	11	,	,	PUNCT
ajbmeb-2698	7	12	and	and	CCONJ
ajbmeb-2698	7	13	proposals	proposal	NOUN
ajbmeb-2698	7	14	will	will	AUX
ajbmeb-2698	7	15	be	be	AUX
ajbmeb-2698	7	16	made	make	VERB
ajbmeb-2698	7	17	to	to	PART
ajbmeb-2698	7	18	improve	improve	VERB
ajbmeb-2698	7	19	digital	digital	ADJ
ajbmeb-2698	7	20	lending	lending	NOUN
ajbmeb-2698	7	21	mechanisms	mechanism	NOUN
ajbmeb-2698	7	22	in	in	ADP
ajbmeb-2698	7	23	the	the	DET
ajbmeb-2698	7	24	banking	banking	NOUN
ajbmeb-2698	7	25	system	system	NOUN
ajbmeb-2698	7	26	of	of	ADP
ajbmeb-2698	7	27	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	7	28	.	.	PUNCT
ajbmeb-2698	8	1	lending	lending	NOUN
ajbmeb-2698	8	2	,	,	PUNCT
ajbmeb-2698	8	3	individuals	individual	NOUN
ajbmeb-2698	8	4	,	,	PUNCT
ajbmeb-2698	8	5	banking	banking	NOUN
ajbmeb-2698	8	6	system	system	NOUN
ajbmeb-2698	8	7	,	,	PUNCT
ajbmeb-2698	8	8	information	information	NOUN
ajbmeb-2698	8	9	security	security	NOUN
ajbmeb-2698	8	10	,	,	PUNCT
ajbmeb-2698	8	11	digital	digital	ADJ
ajbmeb-2698	8	12	technologies	technology	NOUN
ajbmeb-2698	8	13	.	.	PUNCT
ajbmeb-2698	9	1	introduction	introduction	NOUN
ajbmeb-2698	9	2	digitization	digitization	NOUN
ajbmeb-2698	9	3	of	of	ADP
ajbmeb-2698	9	4	the	the	DET
ajbmeb-2698	9	5	process	process	NOUN
ajbmeb-2698	9	6	of	of	ADP
ajbmeb-2698	9	7	crediting	credit	VERB
ajbmeb-2698	9	8	natural	natural	ADJ
ajbmeb-2698	9	9	persons	person	NOUN
ajbmeb-2698	9	10	in	in	ADP
ajbmeb-2698	9	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	9	12	is	be	AUX
ajbmeb-2698	9	13	gaining	gain	VERB
ajbmeb-2698	9	14	importance	importance	NOUN
ajbmeb-2698	9	15	today	today	NOUN
ajbmeb-2698	9	16	.	.	PUNCT
ajbmeb-2698	10	1	by	by	ADP
ajbmeb-2698	10	2	introducing	introduce	VERB
ajbmeb-2698	10	3	digital	digital	ADJ
ajbmeb-2698	10	4	technologies	technology	NOUN
ajbmeb-2698	10	5	,	,	PUNCT
ajbmeb-2698	10	6	it	it	PRON
ajbmeb-2698	10	7	is	be	AUX
ajbmeb-2698	10	8	possible	possible	ADJ
ajbmeb-2698	10	9	to	to	PART
ajbmeb-2698	10	10	increase	increase	VERB
ajbmeb-2698	10	11	the	the	DET
ajbmeb-2698	10	12	efficiency	efficiency	NOUN
ajbmeb-2698	10	13	of	of	ADP
ajbmeb-2698	10	14	banking	banking	NOUN
ajbmeb-2698	10	15	services	service	NOUN
ajbmeb-2698	10	16	,	,	PUNCT
ajbmeb-2698	10	17	create	create	VERB
ajbmeb-2698	10	18	convenience	convenience	NOUN
ajbmeb-2698	10	19	for	for	ADP
ajbmeb-2698	10	20	clients	client	NOUN
ajbmeb-2698	10	21	and	and	CCONJ
ajbmeb-2698	10	22	make	make	VERB
ajbmeb-2698	10	23	financial	financial	ADJ
ajbmeb-2698	10	24	processes	process	NOUN
ajbmeb-2698	10	25	transparent	transparent	ADJ
ajbmeb-2698	10	26	.	.	PUNCT
ajbmeb-2698	11	1	in	in	ADP
ajbmeb-2698	11	2	the	the	DET
ajbmeb-2698	11	3	“	"	PUNCT
ajbmeb-2698	11	4	uzbekistan-2030	uzbekistan-2030	NOUN
ajbmeb-2698	11	5	”	"	PUNCT
ajbmeb-2698	11	6	strategy	strategy	NOUN
ajbmeb-2698	11	7	,	,	PUNCT
ajbmeb-2698	11	8	adopted	adopt	VERB
ajbmeb-2698	11	9	on	on	ADP
ajbmeb-2698	11	10	september	september	PROPN
ajbmeb-2698	11	11	11	11	NUM
ajbmeb-2698	11	12	,	,	PUNCT
ajbmeb-2698	11	13	2023	2023	NUM
ajbmeb-2698	11	14	,	,	PUNCT
ajbmeb-2698	11	15	special	special	ADJ
ajbmeb-2698	11	16	attention	attention	NOUN
ajbmeb-2698	11	17	is	be	AUX
ajbmeb-2698	11	18	paid	pay	VERB
ajbmeb-2698	11	19	to	to	ADP
ajbmeb-2698	11	20	the	the	DET
ajbmeb-2698	11	21	development	development	NOUN
ajbmeb-2698	11	22	of	of	ADP
ajbmeb-2698	11	23	the	the	DET
ajbmeb-2698	11	24	digital	digital	ADJ
ajbmeb-2698	11	25	economy	economy	NOUN
ajbmeb-2698	11	26	,	,	PUNCT
ajbmeb-2698	11	27	and	and	CCONJ
ajbmeb-2698	11	28	in	in	ADP
ajbmeb-2698	11	29	this	this	DET
ajbmeb-2698	11	30	regard	regard	NOUN
ajbmeb-2698	11	31	,	,	PUNCT
ajbmeb-2698	11	32	the	the	DET
ajbmeb-2698	11	33	digitization	digitization	NOUN
ajbmeb-2698	11	34	of	of	ADP
ajbmeb-2698	11	35	the	the	DET
ajbmeb-2698	11	36	banking	banking	NOUN
ajbmeb-2698	11	37	system	system	NOUN
ajbmeb-2698	11	38	is	be	AUX
ajbmeb-2698	11	39	also	also	ADV
ajbmeb-2698	11	40	set	set	VERB
ajbmeb-2698	11	41	as	as	ADP
ajbmeb-2698	11	42	one	one	NUM
ajbmeb-2698	11	43	of	of	ADP
ajbmeb-2698	11	44	the	the	DET
ajbmeb-2698	11	45	priorities[1	priorities[1	NOUN
ajbmeb-2698	11	46	]	]	PUNCT
ajbmeb-2698	11	47	.	.	PUNCT
ajbmeb-2698	12	1	according	accord	VERB
ajbmeb-2698	12	2	to	to	ADP
ajbmeb-2698	12	3	the	the	DET
ajbmeb-2698	12	4	central	central	ADJ
ajbmeb-2698	12	5	bank	bank	NOUN
ajbmeb-2698	12	6	,	,	PUNCT
ajbmeb-2698	12	7	in	in	ADP
ajbmeb-2698	12	8	the	the	DET
ajbmeb-2698	12	9	first	first	ADJ
ajbmeb-2698	12	10	9	9	NUM
ajbmeb-2698	12	11	months	month	NOUN
ajbmeb-2698	12	12	of	of	ADP
ajbmeb-2698	12	13	2021	2021	NUM
ajbmeb-2698	12	14	,	,	PUNCT
ajbmeb-2698	12	15	the	the	DET
ajbmeb-2698	12	16	volume	volume	NOUN
ajbmeb-2698	12	17	of	of	ADP
ajbmeb-2698	12	18	problem	problem	NOUN
ajbmeb-2698	12	19	loans	loan	NOUN
ajbmeb-2698	12	20	of	of	ADP
ajbmeb-2698	12	21	individuals	individual	NOUN
ajbmeb-2698	12	22	increased	increase	VERB
ajbmeb-2698	12	23	by	by	ADP
ajbmeb-2698	12	24	5.4	5.4	NUM
ajbmeb-2698	12	25	times	time	NOUN
ajbmeb-2698	12	26	and	and	CCONJ
ajbmeb-2698	12	27	amounted	amount	VERB
ajbmeb-2698	12	28	to	to	ADP
ajbmeb-2698	12	29	5.2	5.2	NUM
ajbmeb-2698	12	30	trillion	trillion	NUM
ajbmeb-2698	12	31	soums[2	soums[2	PROPN
ajbmeb-2698	12	32	]	]	PUNCT
ajbmeb-2698	12	33	.	.	PUNCT
ajbmeb-2698	13	1	these	these	DET
ajbmeb-2698	13	2	figures	figure	NOUN
ajbmeb-2698	13	3	demonstrate	demonstrate	VERB
ajbmeb-2698	13	4	the	the	DET
ajbmeb-2698	13	5	need	need	NOUN
ajbmeb-2698	13	6	to	to	PART
ajbmeb-2698	13	7	reduce	reduce	VERB
ajbmeb-2698	13	8	risks	risk	NOUN
ajbmeb-2698	13	9	and	and	CCONJ
ajbmeb-2698	13	10	improve	improve	VERB
ajbmeb-2698	13	11	the	the	DET
ajbmeb-2698	13	12	quality	quality	NOUN
ajbmeb-2698	13	13	of	of	ADP
ajbmeb-2698	13	14	the	the	DET
ajbmeb-2698	13	15	loan	loan	NOUN
ajbmeb-2698	13	16	portfolio	portfolio	NOUN
ajbmeb-2698	13	17	by	by	ADP
ajbmeb-2698	13	18	digitizing	digitize	VERB
ajbmeb-2698	13	19	the	the	DET
ajbmeb-2698	13	20	lending	lending	NOUN
ajbmeb-2698	13	21	process	process	NOUN
ajbmeb-2698	13	22	.	.	PUNCT
ajbmeb-2698	14	1	also	also	ADV
ajbmeb-2698	14	2	,	,	PUNCT
ajbmeb-2698	14	3	decision	decision	NOUN
ajbmeb-2698	14	4	no	no	NOUN
ajbmeb-2698	14	5	.	.	NOUN
ajbmeb-2698	14	6	3492	3492	NUM
ajbmeb-2698	14	7	,	,	PUNCT
ajbmeb-2698	14	8	adopted	adopt	VERB
ajbmeb-2698	14	9	on	on	ADP
ajbmeb-2698	14	10	january	january	PROPN
ajbmeb-2698	14	11	23	23	NUM
ajbmeb-2698	14	12	,	,	PUNCT
ajbmeb-2698	14	13	2024	2024	NUM
ajbmeb-2698	14	14	,	,	PUNCT
ajbmeb-2698	14	15	establishes	establish	VERB
ajbmeb-2698	14	16	the	the	DET
ajbmeb-2698	14	17	procedure	procedure	NOUN
ajbmeb-2698	14	18	for	for	ADP
ajbmeb-2698	14	19	banks	bank	NOUN
ajbmeb-2698	14	20	and	and	CCONJ
ajbmeb-2698	14	21	nonbank	nonbank	NOUN
ajbmeb-2698	14	22	credit	credit	NOUN
ajbmeb-2698	14	23	organizations	organization	NOUN
ajbmeb-2698	14	24	to	to	PART
ajbmeb-2698	14	25	grant	grant	VERB
ajbmeb-2698	14	26	loans	loan	NOUN
ajbmeb-2698	14	27	to	to	ADP
ajbmeb-2698	14	28	individuals	individual	NOUN
ajbmeb-2698	14	29	in	in	ADP
ajbmeb-2698	14	30	foreign	foreign	ADJ
ajbmeb-2698	14	31	currency	currency	NOUN
ajbmeb-2698	14	32	,	,	PUNCT
ajbmeb-2698	14	33	and	and	CCONJ
ajbmeb-2698	14	34	this	this	PRON
ajbmeb-2698	14	35	is	be	AUX
ajbmeb-2698	14	36	an	an	DET
ajbmeb-2698	14	37	important	important	ADJ
ajbmeb-2698	14	38	step	step	NOUN
ajbmeb-2698	14	39	aimed	aim	VERB
ajbmeb-2698	14	40	at	at	ADP
ajbmeb-2698	14	41	improving	improve	VERB
ajbmeb-2698	14	42	the	the	DET
ajbmeb-2698	14	43	lending	lending	NOUN
ajbmeb-2698	14	44	process	process	NOUN
ajbmeb-2698	14	45	through	through	ADP
ajbmeb-2698	14	46	digital	digital	ADJ
ajbmeb-2698	14	47	technologies[3	technologies[3	PROPN
ajbmeb-2698	14	48	]	]	PUNCT
ajbmeb-2698	14	49	.	.	PUNCT
ajbmeb-2698	15	1	american	american	PROPN
ajbmeb-2698	15	2	journal	journal	PROPN
ajbmeb-2698	15	3	of	of	ADP
ajbmeb-2698	15	4	business	business	NOUN
ajbmeb-2698	15	5	management	management	NOUN
ajbmeb-2698	15	6	,	,	PUNCT
ajbmeb-2698	15	7	economics	economic	NOUN
ajbmeb-2698	15	8	and	and	CCONJ
ajbmeb-2698	15	9	banking	banking	NOUN
ajbmeb-2698	15	10	volume	volume	NOUN
ajbmeb-2698	15	11	33	33	NUM
ajbmeb-2698	15	12	february	february	NOUN
ajbmeb-2698	15	13	2025	2025	NUM
ajbmeb-2698	15	14	p	p	NOUN
ajbmeb-2698	15	15	a	a	DET
ajbmeb-2698	15	16	g	g	NOUN
ajbmeb-2698	15	17	e	e	NOUN
ajbmeb-2698	15	18	|	|	ADV
ajbmeb-2698	15	19	30	30	NUM
ajbmeb-2698	15	20	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2698	15	21	literature	literature	NOUN
ajbmeb-2698	15	22	review	review	NOUN
ajbmeb-2698	15	23	digitization	digitization	NOUN
ajbmeb-2698	15	24	of	of	ADP
ajbmeb-2698	15	25	the	the	DET
ajbmeb-2698	15	26	lending	lending	NOUN
ajbmeb-2698	15	27	process	process	NOUN
ajbmeb-2698	15	28	is	be	AUX
ajbmeb-2698	15	29	the	the	DET
ajbmeb-2698	15	30	process	process	NOUN
ajbmeb-2698	15	31	of	of	ADP
ajbmeb-2698	15	32	automating	automate	VERB
ajbmeb-2698	15	33	,	,	PUNCT
ajbmeb-2698	15	34	optimizing	optimizing	NOUN
ajbmeb-2698	15	35	,	,	PUNCT
ajbmeb-2698	15	36	and	and	CCONJ
ajbmeb-2698	15	37	more	more	ADV
ajbmeb-2698	15	38	effectively	effectively	ADV
ajbmeb-2698	15	39	organizing	organize	VERB
ajbmeb-2698	15	40	the	the	DET
ajbmeb-2698	15	41	lending	lending	NOUN
ajbmeb-2698	15	42	,	,	PUNCT
ajbmeb-2698	15	43	repayment	repayment	NOUN
ajbmeb-2698	15	44	,	,	PUNCT
ajbmeb-2698	15	45	and	and	CCONJ
ajbmeb-2698	15	46	monitoring	monitor	VERB
ajbmeb-2698	15	47	processes	process	NOUN
ajbmeb-2698	15	48	in	in	ADP
ajbmeb-2698	15	49	banks	bank	NOUN
ajbmeb-2698	15	50	and	and	CCONJ
ajbmeb-2698	15	51	financial	financial	ADJ
ajbmeb-2698	15	52	organizations	organization	NOUN
ajbmeb-2698	15	53	based	base	VERB
ajbmeb-2698	15	54	on	on	ADP
ajbmeb-2698	15	55	digital	digital	ADJ
ajbmeb-2698	15	56	technologies	technology	NOUN
ajbmeb-2698	15	57	.	.	PUNCT
ajbmeb-2698	16	1	through	through	ADP
ajbmeb-2698	16	2	digitization	digitization	NOUN
ajbmeb-2698	16	3	,	,	PUNCT
ajbmeb-2698	16	4	it	it	PRON
ajbmeb-2698	16	5	is	be	AUX
ajbmeb-2698	16	6	possible	possible	ADJ
ajbmeb-2698	16	7	to	to	PART
ajbmeb-2698	16	8	increase	increase	VERB
ajbmeb-2698	16	9	the	the	DET
ajbmeb-2698	16	10	speed	speed	NOUN
ajbmeb-2698	16	11	and	and	CCONJ
ajbmeb-2698	16	12	quality	quality	NOUN
ajbmeb-2698	16	13	of	of	ADP
ajbmeb-2698	16	14	banking	banking	NOUN
ajbmeb-2698	16	15	services	service	NOUN
ajbmeb-2698	16	16	,	,	PUNCT
ajbmeb-2698	16	17	reduce	reduce	VERB
ajbmeb-2698	16	18	costs	cost	NOUN
ajbmeb-2698	16	19	,	,	PUNCT
ajbmeb-2698	16	20	and	and	CCONJ
ajbmeb-2698	16	21	create	create	VERB
ajbmeb-2698	16	22	convenient	convenient	ADJ
ajbmeb-2698	16	23	conditions	condition	NOUN
ajbmeb-2698	16	24	for	for	ADP
ajbmeb-2698	16	25	clients	client	NOUN
ajbmeb-2698	16	26	.	.	PUNCT
ajbmeb-2698	17	1	this	this	DET
ajbmeb-2698	17	2	process	process	NOUN
ajbmeb-2698	17	3	is	be	AUX
ajbmeb-2698	17	4	especially	especially	ADV
ajbmeb-2698	17	5	important	important	ADJ
ajbmeb-2698	17	6	in	in	ADP
ajbmeb-2698	17	7	the	the	DET
ajbmeb-2698	17	8	field	field	NOUN
ajbmeb-2698	17	9	of	of	ADP
ajbmeb-2698	17	10	lending	lending	NOUN
ajbmeb-2698	17	11	to	to	ADP
ajbmeb-2698	17	12	individuals	individual	NOUN
ajbmeb-2698	17	13	.	.	PUNCT
ajbmeb-2698	18	1	the	the	DET
ajbmeb-2698	18	2	decree	decree	NOUN
ajbmeb-2698	18	3	of	of	ADP
ajbmeb-2698	18	4	the	the	DET
ajbmeb-2698	18	5	president	president	NOUN
ajbmeb-2698	18	6	of	of	ADP
ajbmeb-2698	18	7	the	the	DET
ajbmeb-2698	18	8	republic	republic	NOUN
ajbmeb-2698	18	9	of	of	ADP
ajbmeb-2698	18	10	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	18	11	no	no	INTJ
ajbmeb-2698	18	12	.	.	PUNCT
ajbmeb-2698	19	1	pf-5953	pf-5953	ADV
ajbmeb-2698	19	2	dated	date	VERB
ajbmeb-2698	19	3	march	march	PROPN
ajbmeb-2698	19	4	2	2	NUM
ajbmeb-2698	19	5	,	,	PUNCT
ajbmeb-2698	19	6	2020	2020	NUM
ajbmeb-2698	19	7	pays	pay	VERB
ajbmeb-2698	19	8	special	special	ADJ
ajbmeb-2698	19	9	attention	attention	NOUN
ajbmeb-2698	19	10	to	to	ADP
ajbmeb-2698	19	11	the	the	DET
ajbmeb-2698	19	12	development	development	NOUN
ajbmeb-2698	19	13	of	of	ADP
ajbmeb-2698	19	14	the	the	DET
ajbmeb-2698	19	15	digital	digital	ADJ
ajbmeb-2698	19	16	economy	economy	NOUN
ajbmeb-2698	19	17	,	,	PUNCT
ajbmeb-2698	19	18	and	and	CCONJ
ajbmeb-2698	19	19	in	in	ADP
ajbmeb-2698	19	20	this	this	DET
ajbmeb-2698	19	21	regard	regard	NOUN
ajbmeb-2698	19	22	,	,	PUNCT
ajbmeb-2698	19	23	the	the	DET
ajbmeb-2698	19	24	digitization	digitization	NOUN
ajbmeb-2698	19	25	of	of	ADP
ajbmeb-2698	19	26	the	the	DET
ajbmeb-2698	19	27	banking	banking	NOUN
ajbmeb-2698	19	28	system	system	NOUN
ajbmeb-2698	19	29	is	be	AUX
ajbmeb-2698	19	30	set	set	VERB
ajbmeb-2698	19	31	as	as	ADP
ajbmeb-2698	19	32	one	one	NUM
ajbmeb-2698	19	33	of	of	ADP
ajbmeb-2698	19	34	the	the	DET
ajbmeb-2698	19	35	important	important	ADJ
ajbmeb-2698	19	36	tasks	task	NOUN
ajbmeb-2698	19	37	.	.	PUNCT
ajbmeb-2698	20	1	by	by	ADP
ajbmeb-2698	20	2	introducing	introduce	VERB
ajbmeb-2698	20	3	digital	digital	ADJ
ajbmeb-2698	20	4	technologies	technology	NOUN
ajbmeb-2698	20	5	,	,	PUNCT
ajbmeb-2698	20	6	it	it	PRON
ajbmeb-2698	20	7	is	be	AUX
ajbmeb-2698	20	8	possible	possible	ADJ
ajbmeb-2698	20	9	to	to	PART
ajbmeb-2698	20	10	increase	increase	VERB
ajbmeb-2698	20	11	the	the	DET
ajbmeb-2698	20	12	efficiency	efficiency	NOUN
ajbmeb-2698	20	13	of	of	ADP
ajbmeb-2698	20	14	banking	banking	NOUN
ajbmeb-2698	20	15	services	service	NOUN
ajbmeb-2698	20	16	,	,	PUNCT
ajbmeb-2698	20	17	create	create	VERB
ajbmeb-2698	20	18	convenience	convenience	NOUN
ajbmeb-2698	20	19	for	for	ADP
ajbmeb-2698	20	20	clients	client	NOUN
ajbmeb-2698	20	21	,	,	PUNCT
ajbmeb-2698	20	22	and	and	CCONJ
ajbmeb-2698	20	23	make	make	VERB
ajbmeb-2698	20	24	financial	financial	ADJ
ajbmeb-2698	20	25	processes	process	NOUN
ajbmeb-2698	20	26	transparent	transparent	ADJ
ajbmeb-2698	20	27	[	[	X
ajbmeb-2698	20	28	4	4	NUM
ajbmeb-2698	20	29	]	]	PUNCT
ajbmeb-2698	20	30	.	.	PUNCT
ajbmeb-2698	21	1	according	accord	VERB
ajbmeb-2698	21	2	to	to	ADP
ajbmeb-2698	21	3	the	the	DET
ajbmeb-2698	21	4	results	result	NOUN
ajbmeb-2698	21	5	of	of	ADP
ajbmeb-2698	21	6	the	the	DET
ajbmeb-2698	21	7	2020	2020	NUM
ajbmeb-2698	21	8	“	"	PUNCT
ajbmeb-2698	21	9	analysis	analysis	NOUN
ajbmeb-2698	21	10	of	of	ADP
ajbmeb-2698	21	11	islamic	islamic	ADJ
ajbmeb-2698	21	12	financing	financing	NOUN
ajbmeb-2698	21	13	instruments	instrument	NOUN
ajbmeb-2698	21	14	in	in	ADP
ajbmeb-2698	21	15	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	21	16	”	"	PUNCT
ajbmeb-2698	21	17	study	study	NOUN
ajbmeb-2698	21	18	,	,	PUNCT
ajbmeb-2698	21	19	38	38	NUM
ajbmeb-2698	21	20	%	%	NOUN
ajbmeb-2698	21	21	of	of	ADP
ajbmeb-2698	21	22	private	private	ADJ
ajbmeb-2698	21	23	entrepreneurs	entrepreneur	NOUN
ajbmeb-2698	21	24	and	and	CCONJ
ajbmeb-2698	21	25	56	56	NUM
ajbmeb-2698	21	26	%	%	NOUN
ajbmeb-2698	21	27	of	of	ADP
ajbmeb-2698	21	28	individuals	individual	NOUN
ajbmeb-2698	21	29	reported	report	VERB
ajbmeb-2698	21	30	that	that	SCONJ
ajbmeb-2698	21	31	they	they	PRON
ajbmeb-2698	21	32	do	do	AUX
ajbmeb-2698	21	33	not	not	PART
ajbmeb-2698	21	34	use	use	VERB
ajbmeb-2698	21	35	loans	loan	NOUN
ajbmeb-2698	21	36	from	from	ADP
ajbmeb-2698	21	37	traditional	traditional	ADJ
ajbmeb-2698	21	38	banks	bank	NOUN
ajbmeb-2698	21	39	.	.	PUNCT
ajbmeb-2698	22	1	at	at	ADP
ajbmeb-2698	22	2	the	the	DET
ajbmeb-2698	22	3	same	same	ADJ
ajbmeb-2698	22	4	time	time	NOUN
ajbmeb-2698	22	5	,	,	PUNCT
ajbmeb-2698	22	6	most	most	ADJ
ajbmeb-2698	22	7	of	of	ADP
ajbmeb-2698	22	8	them	they	PRON
ajbmeb-2698	22	9	expressed	express	VERB
ajbmeb-2698	22	10	interest	interest	NOUN
ajbmeb-2698	22	11	in	in	ADP
ajbmeb-2698	22	12	islamic	islamic	ADJ
ajbmeb-2698	22	13	financial	financial	ADJ
ajbmeb-2698	22	14	services	service	NOUN
ajbmeb-2698	22	15	.	.	PUNCT
ajbmeb-2698	23	1	these	these	DET
ajbmeb-2698	23	2	numbers	number	NOUN
ajbmeb-2698	23	3	show	show	VERB
ajbmeb-2698	23	4	the	the	DET
ajbmeb-2698	23	5	possibility	possibility	NOUN
ajbmeb-2698	23	6	of	of	ADP
ajbmeb-2698	23	7	reaching	reach	VERB
ajbmeb-2698	23	8	a	a	DET
ajbmeb-2698	23	9	wider	wide	ADJ
ajbmeb-2698	23	10	audience	audience	NOUN
ajbmeb-2698	23	11	through	through	ADP
ajbmeb-2698	23	12	the	the	DET
ajbmeb-2698	23	13	digitization	digitization	NOUN
ajbmeb-2698	23	14	of	of	ADP
ajbmeb-2698	23	15	islamic	islamic	ADJ
ajbmeb-2698	23	16	financing	financing	NOUN
ajbmeb-2698	23	17	[	[	X
ajbmeb-2698	23	18	5	5	NUM
ajbmeb-2698	23	19	]	]	PUNCT
ajbmeb-2698	23	20	.	.	PUNCT
ajbmeb-2698	24	1	khusanova	khusanova	PROPN
ajbmeb-2698	24	2	zulfia	zulfia	PROPN
ajbmeb-2698	24	3	rakhmatullaevna	rakhmatullaevna	PROPN
ajbmeb-2698	24	4	studied	study	VERB
ajbmeb-2698	24	5	the	the	DET
ajbmeb-2698	24	6	mechanisms	mechanism	NOUN
ajbmeb-2698	24	7	of	of	ADP
ajbmeb-2698	24	8	support	support	NOUN
ajbmeb-2698	24	9	and	and	CCONJ
ajbmeb-2698	24	10	development	development	NOUN
ajbmeb-2698	24	11	of	of	ADP
ajbmeb-2698	24	12	women	woman	NOUN
ajbmeb-2698	24	13	's	's	PART
ajbmeb-2698	24	14	entrepreneurship	entrepreneurship	NOUN
ajbmeb-2698	24	15	in	in	ADP
ajbmeb-2698	24	16	her	her	PRON
ajbmeb-2698	24	17	research	research	NOUN
ajbmeb-2698	24	18	.	.	PUNCT
ajbmeb-2698	25	1	in	in	ADP
ajbmeb-2698	25	2	his	his	PRON
ajbmeb-2698	25	3	opinion	opinion	NOUN
ajbmeb-2698	25	4	,	,	PUNCT
ajbmeb-2698	25	5	digital	digital	ADJ
ajbmeb-2698	25	6	technologies	technology	NOUN
ajbmeb-2698	25	7	are	be	AUX
ajbmeb-2698	25	8	of	of	ADP
ajbmeb-2698	25	9	great	great	ADJ
ajbmeb-2698	25	10	importance	importance	NOUN
ajbmeb-2698	25	11	in	in	ADP
ajbmeb-2698	25	12	increasing	increase	VERB
ajbmeb-2698	25	13	the	the	DET
ajbmeb-2698	25	14	economic	economic	ADJ
ajbmeb-2698	25	15	activity	activity	NOUN
ajbmeb-2698	25	16	of	of	ADP
ajbmeb-2698	25	17	women	woman	NOUN
ajbmeb-2698	25	18	,	,	PUNCT
ajbmeb-2698	25	19	simplifying	simplify	VERB
ajbmeb-2698	25	20	the	the	DET
ajbmeb-2698	25	21	process	process	NOUN
ajbmeb-2698	25	22	of	of	ADP
ajbmeb-2698	25	23	crediting	credit	VERB
ajbmeb-2698	25	24	them	they	PRON
ajbmeb-2698	25	25	,	,	PUNCT
ajbmeb-2698	25	26	and	and	CCONJ
ajbmeb-2698	25	27	improving	improve	VERB
ajbmeb-2698	25	28	their	their	PRON
ajbmeb-2698	25	29	access	access	NOUN
ajbmeb-2698	25	30	to	to	ADP
ajbmeb-2698	25	31	financial	financial	ADJ
ajbmeb-2698	25	32	resources	resource	NOUN
ajbmeb-2698	25	33	[	[	X
ajbmeb-2698	25	34	6	6	NUM
ajbmeb-2698	25	35	]	]	PUNCT
ajbmeb-2698	25	36	.	.	PUNCT
ajbmeb-2698	26	1	economists	economist	NOUN
ajbmeb-2698	26	2	e.muminova	e.muminova	PROPN
ajbmeb-2698	26	3	and	and	CCONJ
ajbmeb-2698	26	4	u.khamdamova	u.khamdamova	PRON
ajbmeb-2698	26	5	have	have	AUX
ajbmeb-2698	26	6	analyzed	analyze	VERB
ajbmeb-2698	26	7	the	the	DET
ajbmeb-2698	26	8	prospects	prospect	NOUN
ajbmeb-2698	26	9	for	for	ADP
ajbmeb-2698	26	10	the	the	DET
ajbmeb-2698	26	11	introduction	introduction	NOUN
ajbmeb-2698	26	12	of	of	ADP
ajbmeb-2698	26	13	blockchain	blockchain	PROPN
ajbmeb-2698	26	14	technologies	technology	NOUN
ajbmeb-2698	26	15	in	in	ADP
ajbmeb-2698	26	16	their	their	PRON
ajbmeb-2698	26	17	articles	article	NOUN
ajbmeb-2698	26	18	,	,	PUNCT
ajbmeb-2698	26	19	emphasizing	emphasize	VERB
ajbmeb-2698	26	20	the	the	DET
ajbmeb-2698	26	21	importance	importance	NOUN
ajbmeb-2698	26	22	of	of	ADP
ajbmeb-2698	26	23	digital	digital	ADJ
ajbmeb-2698	26	24	technologies	technology	NOUN
ajbmeb-2698	26	25	in	in	ADP
ajbmeb-2698	26	26	the	the	DET
ajbmeb-2698	26	27	economy	economy	NOUN
ajbmeb-2698	26	28	.	.	PUNCT
ajbmeb-2698	27	1	in	in	ADP
ajbmeb-2698	27	2	their	their	PRON
ajbmeb-2698	27	3	opinion	opinion	NOUN
ajbmeb-2698	27	4	,	,	PUNCT
ajbmeb-2698	27	5	such	such	ADJ
ajbmeb-2698	27	6	technologies	technology	NOUN
ajbmeb-2698	27	7	will	will	AUX
ajbmeb-2698	27	8	serve	serve	VERB
ajbmeb-2698	27	9	to	to	PART
ajbmeb-2698	27	10	make	make	VERB
ajbmeb-2698	27	11	the	the	DET
ajbmeb-2698	27	12	lending	lending	NOUN
ajbmeb-2698	27	13	process	process	NOUN
ajbmeb-2698	27	14	more	more	ADV
ajbmeb-2698	27	15	transparent	transparent	ADJ
ajbmeb-2698	27	16	and	and	CCONJ
ajbmeb-2698	27	17	efficient	efficient	ADJ
ajbmeb-2698	27	18	[	[	X
ajbmeb-2698	27	19	7	7	NUM
ajbmeb-2698	27	20	]	]	PUNCT
ajbmeb-2698	27	21	.	.	PUNCT
ajbmeb-2698	28	1	the	the	DET
ajbmeb-2698	28	2	above	above	ADJ
ajbmeb-2698	28	3	studies	study	NOUN
ajbmeb-2698	28	4	clearly	clearly	ADV
ajbmeb-2698	28	5	demonstrate	demonstrate	VERB
ajbmeb-2698	28	6	the	the	DET
ajbmeb-2698	28	7	relevance	relevance	NOUN
ajbmeb-2698	28	8	of	of	ADP
ajbmeb-2698	28	9	digitizing	digitize	VERB
ajbmeb-2698	28	10	the	the	DET
ajbmeb-2698	28	11	lending	lending	NOUN
ajbmeb-2698	28	12	process	process	NOUN
ajbmeb-2698	28	13	for	for	ADP
ajbmeb-2698	28	14	individuals	individual	NOUN
ajbmeb-2698	28	15	and	and	CCONJ
ajbmeb-2698	28	16	its	its	PRON
ajbmeb-2698	28	17	importance	importance	NOUN
ajbmeb-2698	28	18	in	in	ADP
ajbmeb-2698	28	19	the	the	DET
ajbmeb-2698	28	20	banking	banking	NOUN
ajbmeb-2698	28	21	system	system	NOUN
ajbmeb-2698	28	22	.	.	PUNCT
ajbmeb-2698	29	1	the	the	DET
ajbmeb-2698	29	2	introduction	introduction	NOUN
ajbmeb-2698	29	3	of	of	ADP
ajbmeb-2698	29	4	digital	digital	ADJ
ajbmeb-2698	29	5	technologies	technology	NOUN
ajbmeb-2698	29	6	can	can	AUX
ajbmeb-2698	29	7	make	make	VERB
ajbmeb-2698	29	8	the	the	DET
ajbmeb-2698	29	9	lending	lending	NOUN
ajbmeb-2698	29	10	process	process	NOUN
ajbmeb-2698	29	11	more	more	ADV
ajbmeb-2698	29	12	efficient	efficient	ADJ
ajbmeb-2698	29	13	and	and	CCONJ
ajbmeb-2698	29	14	transparent	transparent	ADJ
ajbmeb-2698	29	15	,	,	PUNCT
ajbmeb-2698	29	16	create	create	VERB
ajbmeb-2698	29	17	convenience	convenience	NOUN
ajbmeb-2698	29	18	for	for	ADP
ajbmeb-2698	29	19	customers	customer	NOUN
ajbmeb-2698	29	20	,	,	PUNCT
ajbmeb-2698	29	21	and	and	CCONJ
ajbmeb-2698	29	22	expand	expand	VERB
ajbmeb-2698	29	23	the	the	DET
ajbmeb-2698	29	24	scope	scope	NOUN
ajbmeb-2698	29	25	of	of	ADP
ajbmeb-2698	29	26	financial	financial	ADJ
ajbmeb-2698	29	27	services	service	NOUN
ajbmeb-2698	29	28	.	.	PUNCT
ajbmeb-2698	30	1	research	research	NOUN
ajbmeb-2698	30	2	methodology	methodology	NOUN
ajbmeb-2698	30	3	foreign	foreign	ADJ
ajbmeb-2698	30	4	and	and	CCONJ
ajbmeb-2698	30	5	domestic	domestic	ADJ
ajbmeb-2698	30	6	experiences	experience	NOUN
ajbmeb-2698	30	7	in	in	ADP
ajbmeb-2698	30	8	digitizing	digitize	VERB
ajbmeb-2698	30	9	the	the	DET
ajbmeb-2698	30	10	process	process	NOUN
ajbmeb-2698	30	11	of	of	ADP
ajbmeb-2698	30	12	lending	lending	NOUN
ajbmeb-2698	30	13	to	to	ADP
ajbmeb-2698	30	14	individuals	individual	NOUN
ajbmeb-2698	30	15	were	be	AUX
ajbmeb-2698	30	16	analyzed	analyze	VERB
ajbmeb-2698	30	17	theoretically	theoretically	ADV
ajbmeb-2698	30	18	and	and	CCONJ
ajbmeb-2698	30	19	practically	practically	ADV
ajbmeb-2698	30	20	.	.	PUNCT
ajbmeb-2698	31	1	also	also	ADV
ajbmeb-2698	31	2	,	,	PUNCT
ajbmeb-2698	31	3	the	the	DET
ajbmeb-2698	31	4	article	article	NOUN
ajbmeb-2698	31	5	effectively	effectively	ADV
ajbmeb-2698	31	6	used	use	VERB
ajbmeb-2698	31	7	methods	method	NOUN
ajbmeb-2698	31	8	such	such	ADJ
ajbmeb-2698	31	9	as	as	ADP
ajbmeb-2698	31	10	comparison	comparison	NOUN
ajbmeb-2698	31	11	,	,	PUNCT
ajbmeb-2698	31	12	scientifictheoretical	scientifictheoretical	ADJ
ajbmeb-2698	31	13	comparison	comparison	NOUN
ajbmeb-2698	31	14	,	,	PUNCT
ajbmeb-2698	31	15	observation	observation	NOUN
ajbmeb-2698	31	16	,	,	PUNCT
ajbmeb-2698	31	17	comparative	comparative	ADJ
ajbmeb-2698	31	18	economic	economic	ADJ
ajbmeb-2698	31	19	analysis	analysis	NOUN
ajbmeb-2698	31	20	,	,	PUNCT
ajbmeb-2698	31	21	systematic	systematic	ADJ
ajbmeb-2698	31	22	approach	approach	NOUN
ajbmeb-2698	31	23	,	,	PUNCT
ajbmeb-2698	31	24	and	and	CCONJ
ajbmeb-2698	31	25	logical	logical	ADJ
ajbmeb-2698	31	26	approach	approach	NOUN
ajbmeb-2698	31	27	.	.	PUNCT
ajbmeb-2698	32	1	analysis	analysis	NOUN
ajbmeb-2698	32	2	and	and	CCONJ
ajbmeb-2698	32	3	results	result	VERB
ajbmeb-2698	32	4	the	the	DET
ajbmeb-2698	32	5	need	need	NOUN
ajbmeb-2698	32	6	to	to	PART
ajbmeb-2698	32	7	digitize	digitize	VERB
ajbmeb-2698	32	8	the	the	DET
ajbmeb-2698	32	9	lending	lending	NOUN
ajbmeb-2698	32	10	process	process	NOUN
ajbmeb-2698	32	11	is	be	AUX
ajbmeb-2698	32	12	explained	explain	VERB
ajbmeb-2698	32	13	by	by	ADP
ajbmeb-2698	32	14	the	the	DET
ajbmeb-2698	32	15	current	current	ADJ
ajbmeb-2698	32	16	state	state	NOUN
ajbmeb-2698	32	17	of	of	ADP
ajbmeb-2698	32	18	the	the	DET
ajbmeb-2698	32	19	uzbek	uzbek	PROPN
ajbmeb-2698	32	20	banking	banking	NOUN
ajbmeb-2698	32	21	system	system	NOUN
ajbmeb-2698	32	22	and	and	CCONJ
ajbmeb-2698	32	23	efforts	effort	NOUN
ajbmeb-2698	32	24	to	to	PART
ajbmeb-2698	32	25	increase	increase	VERB
ajbmeb-2698	32	26	its	its	PRON
ajbmeb-2698	32	27	competitiveness	competitiveness	NOUN
ajbmeb-2698	32	28	.	.	PUNCT
ajbmeb-2698	33	1	one	one	NUM
ajbmeb-2698	33	2	of	of	ADP
ajbmeb-2698	33	3	the	the	DET
ajbmeb-2698	33	4	main	main	ADJ
ajbmeb-2698	33	5	tasks	task	NOUN
ajbmeb-2698	33	6	of	of	ADP
ajbmeb-2698	33	7	the	the	DET
ajbmeb-2698	33	8	banking	banking	NOUN
ajbmeb-2698	33	9	system	system	NOUN
ajbmeb-2698	33	10	in	in	ADP
ajbmeb-2698	33	11	the	the	DET
ajbmeb-2698	33	12	country	country	NOUN
ajbmeb-2698	33	13	is	be	AUX
ajbmeb-2698	33	14	to	to	PART
ajbmeb-2698	33	15	provide	provide	VERB
ajbmeb-2698	33	16	financial	financial	ADJ
ajbmeb-2698	33	17	services	service	NOUN
ajbmeb-2698	33	18	to	to	ADP
ajbmeb-2698	33	19	the	the	DET
ajbmeb-2698	33	20	broad	broad	ADJ
ajbmeb-2698	33	21	segments	segment	NOUN
ajbmeb-2698	33	22	of	of	ADP
ajbmeb-2698	33	23	the	the	DET
ajbmeb-2698	33	24	population	population	NOUN
ajbmeb-2698	33	25	and	and	CCONJ
ajbmeb-2698	33	26	to	to	PART
ajbmeb-2698	33	27	simplify	simplify	VERB
ajbmeb-2698	33	28	the	the	DET
ajbmeb-2698	33	29	lending	lending	NOUN
ajbmeb-2698	33	30	process	process	NOUN
ajbmeb-2698	33	31	.	.	PUNCT
ajbmeb-2698	34	1	from	from	ADP
ajbmeb-2698	34	2	this	this	DET
ajbmeb-2698	34	3	point	point	NOUN
ajbmeb-2698	34	4	of	of	ADP
ajbmeb-2698	34	5	view	view	NOUN
ajbmeb-2698	34	6	,	,	PUNCT
ajbmeb-2698	34	7	digitization	digitization	NOUN
ajbmeb-2698	34	8	is	be	AUX
ajbmeb-2698	34	9	important	important	ADJ
ajbmeb-2698	34	10	not	not	PART
ajbmeb-2698	34	11	only	only	ADV
ajbmeb-2698	34	12	for	for	ADP
ajbmeb-2698	34	13	banks	bank	NOUN
ajbmeb-2698	34	14	but	but	CCONJ
ajbmeb-2698	34	15	also	also	ADV
ajbmeb-2698	34	16	for	for	ADP
ajbmeb-2698	34	17	customers	customer	NOUN
ajbmeb-2698	34	18	.	.	PUNCT
ajbmeb-2698	35	1	these	these	DET
ajbmeb-2698	35	2	important	important	ADJ
ajbmeb-2698	35	3	aspects	aspect	NOUN
ajbmeb-2698	35	4	can	can	AUX
ajbmeb-2698	35	5	be	be	AUX
ajbmeb-2698	35	6	seen	see	VERB
ajbmeb-2698	35	7	through	through	ADP
ajbmeb-2698	35	8	:	:	PUNCT
ajbmeb-2698	35	9	the	the	DET
ajbmeb-2698	35	10	first	first	ADJ
ajbmeb-2698	35	11	important	important	ADJ
ajbmeb-2698	35	12	aspect	aspect	NOUN
ajbmeb-2698	35	13	is	be	AUX
ajbmeb-2698	35	14	to	to	PART
ajbmeb-2698	35	15	increase	increase	VERB
ajbmeb-2698	35	16	the	the	DET
ajbmeb-2698	35	17	speed	speed	NOUN
ajbmeb-2698	35	18	and	and	CCONJ
ajbmeb-2698	35	19	efficiency	efficiency	NOUN
ajbmeb-2698	35	20	of	of	ADP
ajbmeb-2698	35	21	banking	banking	NOUN
ajbmeb-2698	35	22	services	service	NOUN
ajbmeb-2698	35	23	.	.	PUNCT
ajbmeb-2698	36	1	in	in	ADP
ajbmeb-2698	36	2	traditional	traditional	ADJ
ajbmeb-2698	36	3	banks	bank	NOUN
ajbmeb-2698	36	4	,	,	PUNCT
ajbmeb-2698	36	5	the	the	DET
ajbmeb-2698	36	6	process	process	NOUN
ajbmeb-2698	36	7	of	of	ADP
ajbmeb-2698	36	8	granting	grant	VERB
ajbmeb-2698	36	9	and	and	CCONJ
ajbmeb-2698	36	10	presenting	present	VERB
ajbmeb-2698	36	11	loans	loan	NOUN
ajbmeb-2698	36	12	requires	require	VERB
ajbmeb-2698	36	13	a	a	DET
ajbmeb-2698	36	14	lot	lot	NOUN
ajbmeb-2698	36	15	of	of	ADP
ajbmeb-2698	36	16	time	time	NOUN
ajbmeb-2698	36	17	and	and	CCONJ
ajbmeb-2698	36	18	resources	resource	NOUN
ajbmeb-2698	36	19	.	.	PUNCT
ajbmeb-2698	37	1	digitization	digitization	NOUN
ajbmeb-2698	37	2	american	american	PROPN
ajbmeb-2698	37	3	journal	journal	PROPN
ajbmeb-2698	37	4	of	of	ADP
ajbmeb-2698	37	5	business	business	NOUN
ajbmeb-2698	37	6	management	management	NOUN
ajbmeb-2698	37	7	,	,	PUNCT
ajbmeb-2698	37	8	economics	economic	NOUN
ajbmeb-2698	37	9	and	and	CCONJ
ajbmeb-2698	37	10	banking	banking	NOUN
ajbmeb-2698	37	11	volume	volume	NOUN
ajbmeb-2698	37	12	33	33	NUM
ajbmeb-2698	37	13	february	february	NOUN
ajbmeb-2698	37	14	2025	2025	NUM
ajbmeb-2698	37	15	p	p	NOUN
ajbmeb-2698	37	16	a	a	DET
ajbmeb-2698	37	17	g	g	NOUN
ajbmeb-2698	37	18	e	e	NOUN
ajbmeb-2698	37	19	|	|	ADV
ajbmeb-2698	37	20	31	31	NUM
ajbmeb-2698	37	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2698	37	22	automates	automate	VERB
ajbmeb-2698	37	23	these	these	DET
ajbmeb-2698	37	24	processes	process	NOUN
ajbmeb-2698	37	25	and	and	CCONJ
ajbmeb-2698	37	26	makes	make	VERB
ajbmeb-2698	37	27	it	it	PRON
ajbmeb-2698	37	28	possible	possible	ADJ
ajbmeb-2698	37	29	to	to	PART
ajbmeb-2698	37	30	provide	provide	VERB
ajbmeb-2698	37	31	quick	quick	ADJ
ajbmeb-2698	37	32	and	and	CCONJ
ajbmeb-2698	37	33	cheap	cheap	ADJ
ajbmeb-2698	37	34	services	service	NOUN
ajbmeb-2698	37	35	.	.	PUNCT
ajbmeb-2698	38	1	for	for	ADP
ajbmeb-2698	38	2	example	example	NOUN
ajbmeb-2698	38	3	,	,	PUNCT
ajbmeb-2698	38	4	the	the	DET
ajbmeb-2698	38	5	process	process	NOUN
ajbmeb-2698	38	6	of	of	ADP
ajbmeb-2698	38	7	crediting	credit	VERB
ajbmeb-2698	38	8	through	through	ADP
ajbmeb-2698	38	9	digital	digital	ADJ
ajbmeb-2698	38	10	platforms	platform	NOUN
ajbmeb-2698	38	11	can	can	AUX
ajbmeb-2698	38	12	be	be	AUX
ajbmeb-2698	38	13	done	do	VERB
ajbmeb-2698	38	14	in	in	ADP
ajbmeb-2698	38	15	a	a	DET
ajbmeb-2698	38	16	few	few	ADJ
ajbmeb-2698	38	17	hours	hour	NOUN
ajbmeb-2698	38	18	rather	rather	ADV
ajbmeb-2698	38	19	than	than	ADP
ajbmeb-2698	38	20	in	in	ADP
ajbmeb-2698	38	21	a	a	DET
ajbmeb-2698	38	22	few	few	ADJ
ajbmeb-2698	38	23	days	day	NOUN
ajbmeb-2698	38	24	;	;	PUNCT
ajbmeb-2698	38	25	the	the	DET
ajbmeb-2698	38	26	second	second	ADJ
ajbmeb-2698	38	27	important	important	ADJ
ajbmeb-2698	38	28	aspect	aspect	NOUN
ajbmeb-2698	38	29	is	be	AUX
ajbmeb-2698	38	30	to	to	PART
ajbmeb-2698	38	31	reduce	reduce	VERB
ajbmeb-2698	38	32	costs	cost	NOUN
ajbmeb-2698	38	33	in	in	ADP
ajbmeb-2698	38	34	the	the	DET
ajbmeb-2698	38	35	crediting	crediting	NOUN
ajbmeb-2698	38	36	process	process	NOUN
ajbmeb-2698	38	37	.	.	PUNCT
ajbmeb-2698	39	1	through	through	ADP
ajbmeb-2698	39	2	digital	digital	ADJ
ajbmeb-2698	39	3	technologies	technology	NOUN
ajbmeb-2698	39	4	,	,	PUNCT
ajbmeb-2698	39	5	it	it	PRON
ajbmeb-2698	39	6	is	be	AUX
ajbmeb-2698	39	7	possible	possible	ADJ
ajbmeb-2698	39	8	to	to	PART
ajbmeb-2698	39	9	shorten	shorten	VERB
ajbmeb-2698	39	10	the	the	DET
ajbmeb-2698	39	11	bureaucratic	bureaucratic	ADJ
ajbmeb-2698	39	12	processes	process	NOUN
ajbmeb-2698	39	13	and	and	CCONJ
ajbmeb-2698	39	14	significantly	significantly	ADV
ajbmeb-2698	39	15	reduce	reduce	VERB
ajbmeb-2698	39	16	the	the	DET
ajbmeb-2698	39	17	operational	operational	ADJ
ajbmeb-2698	39	18	costs	cost	NOUN
ajbmeb-2698	39	19	of	of	ADP
ajbmeb-2698	39	20	the	the	DET
ajbmeb-2698	39	21	bank	bank	NOUN
ajbmeb-2698	39	22	.	.	PUNCT
ajbmeb-2698	40	1	this	this	PRON
ajbmeb-2698	40	2	,	,	PUNCT
ajbmeb-2698	40	3	in	in	ADP
ajbmeb-2698	40	4	turn	turn	NOUN
ajbmeb-2698	40	5	,	,	PUNCT
ajbmeb-2698	40	6	provides	provide	VERB
ajbmeb-2698	40	7	an	an	DET
ajbmeb-2698	40	8	opportunity	opportunity	NOUN
ajbmeb-2698	40	9	to	to	PART
ajbmeb-2698	40	10	reduce	reduce	VERB
ajbmeb-2698	40	11	interest	interest	NOUN
ajbmeb-2698	40	12	rates	rate	NOUN
ajbmeb-2698	40	13	for	for	ADP
ajbmeb-2698	40	14	clients	client	NOUN
ajbmeb-2698	40	15	;	;	PUNCT
ajbmeb-2698	40	16	the	the	DET
ajbmeb-2698	40	17	third	third	ADJ
ajbmeb-2698	40	18	important	important	ADJ
ajbmeb-2698	40	19	aspect	aspect	NOUN
ajbmeb-2698	40	20	is	be	AUX
ajbmeb-2698	40	21	to	to	PART
ajbmeb-2698	40	22	expand	expand	VERB
ajbmeb-2698	40	23	the	the	DET
ajbmeb-2698	40	24	possibilities	possibility	NOUN
ajbmeb-2698	40	25	of	of	ADP
ajbmeb-2698	40	26	using	use	VERB
ajbmeb-2698	40	27	financial	financial	ADJ
ajbmeb-2698	40	28	services	service	NOUN
ajbmeb-2698	40	29	.	.	PUNCT
ajbmeb-2698	41	1	it	it	PRON
ajbmeb-2698	41	2	may	may	AUX
ajbmeb-2698	41	3	be	be	AUX
ajbmeb-2698	41	4	difficult	difficult	ADJ
ajbmeb-2698	41	5	for	for	SCONJ
ajbmeb-2698	41	6	people	people	NOUN
ajbmeb-2698	41	7	living	live	VERB
ajbmeb-2698	41	8	in	in	ADP
ajbmeb-2698	41	9	rural	rural	ADJ
ajbmeb-2698	41	10	and	and	CCONJ
ajbmeb-2698	41	11	remote	remote	ADJ
ajbmeb-2698	41	12	areas	area	NOUN
ajbmeb-2698	41	13	to	to	PART
ajbmeb-2698	41	14	use	use	VERB
ajbmeb-2698	41	15	banking	banking	NOUN
ajbmeb-2698	41	16	services	service	NOUN
ajbmeb-2698	41	17	.	.	PUNCT
ajbmeb-2698	42	1	digital	digital	ADJ
ajbmeb-2698	42	2	platforms	platform	NOUN
ajbmeb-2698	42	3	bring	bring	VERB
ajbmeb-2698	42	4	them	they	PRON
ajbmeb-2698	42	5	closer	close	ADV
ajbmeb-2698	42	6	to	to	ADP
ajbmeb-2698	42	7	banking	banking	NOUN
ajbmeb-2698	42	8	services	service	NOUN
ajbmeb-2698	42	9	through	through	ADP
ajbmeb-2698	42	10	the	the	DET
ajbmeb-2698	42	11	internet	internet	NOUN
ajbmeb-2698	42	12	;	;	PUNCT
ajbmeb-2698	42	13	the	the	DET
ajbmeb-2698	42	14	fourth	fourth	ADJ
ajbmeb-2698	42	15	important	important	ADJ
ajbmeb-2698	42	16	aspect	aspect	NOUN
ajbmeb-2698	42	17	is	be	AUX
ajbmeb-2698	42	18	information	information	NOUN
ajbmeb-2698	42	19	security	security	NOUN
ajbmeb-2698	42	20	and	and	CCONJ
ajbmeb-2698	42	21	fraud	fraud	NOUN
ajbmeb-2698	42	22	prevention	prevention	NOUN
ajbmeb-2698	42	23	.	.	PUNCT
ajbmeb-2698	43	1	the	the	DET
ajbmeb-2698	43	2	use	use	NOUN
ajbmeb-2698	43	3	of	of	ADP
ajbmeb-2698	43	4	modern	modern	ADJ
ajbmeb-2698	43	5	cryptographic	cryptographic	ADJ
ajbmeb-2698	43	6	technologies	technology	NOUN
ajbmeb-2698	43	7	in	in	ADP
ajbmeb-2698	43	8	the	the	DET
ajbmeb-2698	43	9	digitization	digitization	NOUN
ajbmeb-2698	43	10	process	process	NOUN
ajbmeb-2698	43	11	ensures	ensure	VERB
ajbmeb-2698	43	12	the	the	DET
ajbmeb-2698	43	13	confidentiality	confidentiality	NOUN
ajbmeb-2698	43	14	and	and	CCONJ
ajbmeb-2698	43	15	security	security	NOUN
ajbmeb-2698	43	16	of	of	ADP
ajbmeb-2698	43	17	data	datum	NOUN
ajbmeb-2698	43	18	.	.	PUNCT
ajbmeb-2698	44	1	the	the	DET
ajbmeb-2698	44	2	results	result	NOUN
ajbmeb-2698	44	3	of	of	ADP
ajbmeb-2698	44	4	analyses	analysis	NOUN
ajbmeb-2698	44	5	and	and	CCONJ
ajbmeb-2698	44	6	studies	study	NOUN
ajbmeb-2698	44	7	show	show	VERB
ajbmeb-2698	44	8	that	that	SCONJ
ajbmeb-2698	44	9	the	the	DET
ajbmeb-2698	44	10	main	main	ADJ
ajbmeb-2698	44	11	share	share	NOUN
ajbmeb-2698	44	12	of	of	ADP
ajbmeb-2698	44	13	loans	loan	NOUN
ajbmeb-2698	44	14	granted	grant	VERB
ajbmeb-2698	44	15	to	to	ADP
ajbmeb-2698	44	16	individuals	individual	NOUN
ajbmeb-2698	44	17	in	in	ADP
ajbmeb-2698	44	18	developed	developed	ADJ
ajbmeb-2698	44	19	and	and	CCONJ
ajbmeb-2698	44	20	developing	develop	VERB
ajbmeb-2698	44	21	countries	country	NOUN
ajbmeb-2698	44	22	is	be	AUX
ajbmeb-2698	44	23	carried	carry	VERB
ajbmeb-2698	44	24	out	out	ADP
ajbmeb-2698	44	25	on	on	ADP
ajbmeb-2698	44	26	the	the	DET
ajbmeb-2698	44	27	basis	basis	NOUN
ajbmeb-2698	44	28	of	of	ADP
ajbmeb-2698	44	29	digital	digital	ADJ
ajbmeb-2698	44	30	technologies	technology	NOUN
ajbmeb-2698	44	31	.	.	PUNCT
ajbmeb-2698	45	1	the	the	DET
ajbmeb-2698	45	2	table	table	NOUN
ajbmeb-2698	45	3	below	below	ADV
ajbmeb-2698	45	4	provides	provide	VERB
ajbmeb-2698	45	5	information	information	NOUN
ajbmeb-2698	45	6	on	on	ADP
ajbmeb-2698	45	7	this	this	PRON
ajbmeb-2698	45	8	.	.	PUNCT
ajbmeb-2698	46	1	table	table	NOUN
ajbmeb-2698	46	2	1	1	NUM
ajbmeb-2698	46	3	the	the	DET
ajbmeb-2698	46	4	share	share	NOUN
ajbmeb-2698	46	5	of	of	ADP
ajbmeb-2698	46	6	digital	digital	ADJ
ajbmeb-2698	46	7	technologies	technology	NOUN
ajbmeb-2698	46	8	used	use	VERB
ajbmeb-2698	46	9	in	in	ADP
ajbmeb-2698	46	10	crediting	credit	VERB
ajbmeb-2698	46	11	individuals	individual	NOUN
ajbmeb-2698	46	12	in	in	ADP
ajbmeb-2698	46	13	some	some	DET
ajbmeb-2698	46	14	countries	country	NOUN
ajbmeb-2698	46	15	in	in	ADP
ajbmeb-2698	46	16	2019	2019	NUM
ajbmeb-2698	46	17	-	-	SYM
ajbmeb-2698	46	18	2024	2024	NUM
ajbmeb-2698	46	19	[	[	X
ajbmeb-2698	46	20	15	15	NUM
ajbmeb-2698	46	21	,	,	PUNCT
ajbmeb-2698	46	22	16	16	NUM
ajbmeb-2698	46	23	,	,	PUNCT
ajbmeb-2698	46	24	17	17	NUM
ajbmeb-2698	46	25	,	,	PUNCT
ajbmeb-2698	46	26	18	18	NUM
ajbmeb-2698	46	27	,	,	PUNCT
ajbmeb-2698	46	28	19	19	NUM
ajbmeb-2698	46	29	]	]	PUNCT
ajbmeb-2698	46	30	country	country	NOUN
ajbmeb-2698	46	31	share	share	VERB
ajbmeb-2698	46	32	basic	basic	ADJ
ajbmeb-2698	46	33	technologies	technology	NOUN
ajbmeb-2698	46	34	growth	growth	NOUN
ajbmeb-2698	46	35	rate	rate	NOUN
ajbmeb-2698	46	36	(	(	PUNCT
ajbmeb-2698	46	37	annual	annual	ADJ
ajbmeb-2698	46	38	)	)	PUNCT
ajbmeb-2698	46	39	usa	usa	NOUN
ajbmeb-2698	46	40	65	65	NUM
ajbmeb-2698	46	41	%	%	NOUN
ajbmeb-2698	46	42	ai	ai	NOUN
ajbmeb-2698	46	43	-	-	PUNCT
ajbmeb-2698	46	44	based	base	VERB
ajbmeb-2698	46	45	credit	credit	NOUN
ajbmeb-2698	46	46	assessment	assessment	NOUN
ajbmeb-2698	46	47	,	,	PUNCT
ajbmeb-2698	46	48	blockchain	blockchain	PROPN
ajbmeb-2698	46	49	,	,	PUNCT
ajbmeb-2698	46	50	mobile	mobile	ADJ
ajbmeb-2698	46	51	app	app	NOUN
ajbmeb-2698	46	52	15	15	NUM
ajbmeb-2698	46	53	%	%	NOUN
ajbmeb-2698	46	54	china	china	NOUN
ajbmeb-2698	46	55	75	75	NUM
ajbmeb-2698	46	56	%	%	NOUN
ajbmeb-2698	46	57	big	big	ADJ
ajbmeb-2698	46	58	data	datum	NOUN
ajbmeb-2698	46	59	analysis	analysis	NOUN
ajbmeb-2698	46	60	,	,	PUNCT
ajbmeb-2698	46	61	mobile	mobile	ADJ
ajbmeb-2698	46	62	payment	payment	NOUN
ajbmeb-2698	46	63	platforms	platform	NOUN
ajbmeb-2698	46	64	,	,	PUNCT
ajbmeb-2698	46	65	blockchain	blockchain	PROPN
ajbmeb-2698	46	66	20	20	NUM
ajbmeb-2698	46	67	%	%	NOUN
ajbmeb-2698	46	68	india	india	PROPN
ajbmeb-2698	46	69	70	70	NUM
ajbmeb-2698	46	70	%	%	NOUN
ajbmeb-2698	46	71	ai	ai	VERB
ajbmeb-2698	46	72	credit	credit	NOUN
ajbmeb-2698	46	73	systems	system	NOUN
ajbmeb-2698	46	74	,	,	PUNCT
ajbmeb-2698	46	75	upi	upi	PROPN
ajbmeb-2698	46	76	platforms	platform	NOUN
ajbmeb-2698	46	77	,	,	PUNCT
ajbmeb-2698	46	78	digital	digital	ADJ
ajbmeb-2698	46	79	wallets	wallet	NOUN
ajbmeb-2698	46	80	25	25	NUM
ajbmeb-2698	46	81	%	%	NOUN
ajbmeb-2698	46	82	great	great	ADJ
ajbmeb-2698	46	83	britain	britain	PROPN
ajbmeb-2698	46	84	60	60	NUM
ajbmeb-2698	46	85	%	%	NOUN
ajbmeb-2698	46	86	open	open	ADJ
ajbmeb-2698	46	87	banking	banking	NOUN
ajbmeb-2698	46	88	api	api	NOUN
ajbmeb-2698	46	89	,	,	PUNCT
ajbmeb-2698	46	90	ai	ai	VERB
ajbmeb-2698	46	91	credit	credit	NOUN
ajbmeb-2698	46	92	check	check	NOUN
ajbmeb-2698	46	93	,	,	PUNCT
ajbmeb-2698	47	1	mobile	mobile	ADJ
ajbmeb-2698	47	2	addon	addon	NOUN
ajbmeb-2698	47	3	12	12	NUM
ajbmeb-2698	47	4	%	%	NOUN
ajbmeb-2698	47	5	germany	germany	PROPN
ajbmeb-2698	47	6	55	55	NUM
ajbmeb-2698	47	7	%	%	NOUN
ajbmeb-2698	47	8	ai	ai	VERB
ajbmeb-2698	47	9	credit	credit	NOUN
ajbmeb-2698	47	10	analysis	analysis	NOUN
ajbmeb-2698	47	11	,	,	PUNCT
ajbmeb-2698	47	12	digital	digital	PROPN
ajbmeb-2698	47	13	i	i	PROPN
ajbmeb-2698	47	14	d	d	PROPN
ajbmeb-2698	47	15	systems	systems	PROPN
ajbmeb-2698	47	16	,	,	PUNCT
ajbmeb-2698	47	17	blockchain	blockchain	NOUN
ajbmeb-2698	47	18	10	10	NUM
ajbmeb-2698	47	19	%	%	NOUN
ajbmeb-2698	47	20	it	it	PRON
ajbmeb-2698	47	21	is	be	AUX
ajbmeb-2698	47	22	clear	clear	ADJ
ajbmeb-2698	47	23	from	from	ADP
ajbmeb-2698	47	24	this	this	DET
ajbmeb-2698	47	25	table	table	NOUN
ajbmeb-2698	47	26	that	that	SCONJ
ajbmeb-2698	47	27	in	in	ADP
ajbmeb-2698	47	28	2019	2019	NUM
ajbmeb-2698	47	29	-	-	SYM
ajbmeb-2698	47	30	2024	2024	NUM
ajbmeb-2698	47	31	,	,	PUNCT
ajbmeb-2698	47	32	china	china	PROPN
ajbmeb-2698	47	33	has	have	VERB
ajbmeb-2698	47	34	the	the	DET
ajbmeb-2698	47	35	highest	high	ADJ
ajbmeb-2698	47	36	share	share	NOUN
ajbmeb-2698	47	37	(	(	PUNCT
ajbmeb-2698	47	38	75	75	NUM
ajbmeb-2698	47	39	%	%	NOUN
ajbmeb-2698	47	40	)	)	PUNCT
ajbmeb-2698	47	41	in	in	ADP
ajbmeb-2698	47	42	the	the	DET
ajbmeb-2698	47	43	use	use	NOUN
ajbmeb-2698	47	44	of	of	ADP
ajbmeb-2698	47	45	digital	digital	ADJ
ajbmeb-2698	47	46	technologies	technology	NOUN
ajbmeb-2698	47	47	in	in	ADP
ajbmeb-2698	47	48	the	the	DET
ajbmeb-2698	47	49	process	process	NOUN
ajbmeb-2698	47	50	of	of	ADP
ajbmeb-2698	47	51	crediting	credit	VERB
ajbmeb-2698	47	52	individuals	individual	NOUN
ajbmeb-2698	47	53	,	,	PUNCT
ajbmeb-2698	47	54	and	and	CCONJ
ajbmeb-2698	47	55	it	it	PRON
ajbmeb-2698	47	56	widely	widely	ADV
ajbmeb-2698	47	57	uses	use	VERB
ajbmeb-2698	47	58	big	big	ADJ
ajbmeb-2698	47	59	data	datum	NOUN
ajbmeb-2698	47	60	analysis	analysis	NOUN
ajbmeb-2698	47	61	and	and	CCONJ
ajbmeb-2698	47	62	mobile	mobile	ADJ
ajbmeb-2698	47	63	payment	payment	NOUN
ajbmeb-2698	47	64	platforms	platform	NOUN
ajbmeb-2698	47	65	as	as	ADP
ajbmeb-2698	47	66	the	the	DET
ajbmeb-2698	47	67	main	main	ADJ
ajbmeb-2698	47	68	technologies	technology	NOUN
ajbmeb-2698	47	69	.	.	PUNCT
ajbmeb-2698	48	1	india	india	PROPN
ajbmeb-2698	48	2	is	be	AUX
ajbmeb-2698	48	3	in	in	ADP
ajbmeb-2698	48	4	second	second	ADJ
ajbmeb-2698	48	5	place	place	NOUN
ajbmeb-2698	48	6	with	with	ADP
ajbmeb-2698	48	7	a	a	DET
ajbmeb-2698	48	8	70	70	NUM
ajbmeb-2698	48	9	%	%	NOUN
ajbmeb-2698	48	10	share	share	NOUN
ajbmeb-2698	48	11	,	,	PUNCT
ajbmeb-2698	48	12	with	with	ADP
ajbmeb-2698	48	13	ai	ai	INTJ
ajbmeb-2698	48	14	credit	credit	NOUN
ajbmeb-2698	48	15	systems	system	NOUN
ajbmeb-2698	48	16	and	and	CCONJ
ajbmeb-2698	48	17	upi	upi	PROPN
ajbmeb-2698	48	18	platforms	platform	NOUN
ajbmeb-2698	48	19	being	be	AUX
ajbmeb-2698	48	20	the	the	DET
ajbmeb-2698	48	21	leading	lead	VERB
ajbmeb-2698	48	22	technologies	technology	NOUN
ajbmeb-2698	48	23	.	.	PUNCT
ajbmeb-2698	49	1	the	the	DET
ajbmeb-2698	49	2	usa	usa	PROPN
ajbmeb-2698	49	3	,	,	PUNCT
ajbmeb-2698	49	4	great	great	ADJ
ajbmeb-2698	49	5	britain	britain	PROPN
ajbmeb-2698	49	6	,	,	PUNCT
ajbmeb-2698	49	7	and	and	CCONJ
ajbmeb-2698	49	8	germany	germany	PROPN
ajbmeb-2698	49	9	are	be	AUX
ajbmeb-2698	49	10	also	also	ADV
ajbmeb-2698	49	11	achieving	achieve	VERB
ajbmeb-2698	49	12	high	high	ADJ
ajbmeb-2698	49	13	efficiency	efficiency	NOUN
ajbmeb-2698	49	14	in	in	ADP
ajbmeb-2698	49	15	this	this	DET
ajbmeb-2698	49	16	process	process	NOUN
ajbmeb-2698	49	17	,	,	PUNCT
ajbmeb-2698	49	18	in	in	ADP
ajbmeb-2698	49	19	which	which	PRON
ajbmeb-2698	49	20	technologies	technology	NOUN
ajbmeb-2698	49	21	such	such	ADJ
ajbmeb-2698	49	22	as	as	ADP
ajbmeb-2698	49	23	ai	ai	NOUN
ajbmeb-2698	49	24	-	-	PUNCT
ajbmeb-2698	49	25	based	base	VERB
ajbmeb-2698	49	26	credit	credit	NOUN
ajbmeb-2698	49	27	assessment	assessment	NOUN
ajbmeb-2698	49	28	and	and	CCONJ
ajbmeb-2698	49	29	blockchain	blockchain	PROPN
ajbmeb-2698	49	30	are	be	AUX
ajbmeb-2698	49	31	widely	widely	ADV
ajbmeb-2698	49	32	used	use	VERB
ajbmeb-2698	49	33	.	.	PUNCT
ajbmeb-2698	50	1	among	among	ADP
ajbmeb-2698	50	2	the	the	DET
ajbmeb-2698	50	3	countries	country	NOUN
ajbmeb-2698	50	4	,	,	PUNCT
ajbmeb-2698	50	5	the	the	DET
ajbmeb-2698	50	6	growth	growth	NOUN
ajbmeb-2698	50	7	rates	rate	NOUN
ajbmeb-2698	50	8	are	be	AUX
ajbmeb-2698	50	9	the	the	DET
ajbmeb-2698	50	10	highest	high	ADJ
ajbmeb-2698	50	11	in	in	ADP
ajbmeb-2698	50	12	india	india	PROPN
ajbmeb-2698	50	13	(	(	PUNCT
ajbmeb-2698	50	14	25	25	NUM
ajbmeb-2698	50	15	%	%	NOUN
ajbmeb-2698	50	16	)	)	PUNCT
ajbmeb-2698	50	17	,	,	PUNCT
ajbmeb-2698	50	18	which	which	PRON
ajbmeb-2698	50	19	is	be	AUX
ajbmeb-2698	50	20	explained	explain	VERB
ajbmeb-2698	50	21	by	by	ADP
ajbmeb-2698	50	22	the	the	DET
ajbmeb-2698	50	23	expansion	expansion	NOUN
ajbmeb-2698	50	24	of	of	ADP
ajbmeb-2698	50	25	the	the	DET
ajbmeb-2698	50	26	digital	digital	ADJ
ajbmeb-2698	50	27	infrastructure	infrastructure	NOUN
ajbmeb-2698	50	28	and	and	CCONJ
ajbmeb-2698	50	29	the	the	DET
ajbmeb-2698	50	30	activation	activation	NOUN
ajbmeb-2698	50	31	of	of	ADP
ajbmeb-2698	50	32	innovations	innovation	NOUN
ajbmeb-2698	50	33	.	.	PUNCT
ajbmeb-2698	51	1	the	the	DET
ajbmeb-2698	51	2	rate	rate	NOUN
ajbmeb-2698	51	3	of	of	ADP
ajbmeb-2698	51	4	growth	growth	NOUN
ajbmeb-2698	51	5	in	in	ADP
ajbmeb-2698	51	6	the	the	DET
ajbmeb-2698	51	7	usa	usa	PROPN
ajbmeb-2698	51	8	and	and	CCONJ
ajbmeb-2698	51	9	germany	germany	PROPN
ajbmeb-2698	51	10	is	be	AUX
ajbmeb-2698	51	11	relatively	relatively	ADV
ajbmeb-2698	51	12	low	low	ADJ
ajbmeb-2698	51	13	(	(	PUNCT
ajbmeb-2698	51	14	15	15	NUM
ajbmeb-2698	51	15	%	%	NOUN
ajbmeb-2698	51	16	and	and	CCONJ
ajbmeb-2698	51	17	10	10	NUM
ajbmeb-2698	51	18	%	%	NOUN
ajbmeb-2698	51	19	)	)	PUNCT
ajbmeb-2698	51	20	,	,	PUNCT
ajbmeb-2698	51	21	which	which	PRON
ajbmeb-2698	51	22	is	be	AUX
ajbmeb-2698	51	23	due	due	ADJ
ajbmeb-2698	51	24	to	to	ADP
ajbmeb-2698	51	25	the	the	DET
ajbmeb-2698	51	26	high	high	ADJ
ajbmeb-2698	51	27	level	level	NOUN
ajbmeb-2698	51	28	of	of	ADP
ajbmeb-2698	51	29	saturation	saturation	NOUN
ajbmeb-2698	51	30	in	in	ADP
ajbmeb-2698	51	31	their	their	PRON
ajbmeb-2698	51	32	markets	market	NOUN
ajbmeb-2698	51	33	.	.	PUNCT
ajbmeb-2698	52	1	the	the	DET
ajbmeb-2698	52	2	table	table	NOUN
ajbmeb-2698	52	3	shows	show	VERB
ajbmeb-2698	52	4	that	that	SCONJ
ajbmeb-2698	52	5	the	the	DET
ajbmeb-2698	52	6	effective	effective	ADJ
ajbmeb-2698	52	7	use	use	NOUN
ajbmeb-2698	52	8	of	of	ADP
ajbmeb-2698	52	9	digital	digital	ADJ
ajbmeb-2698	52	10	technologies	technology	NOUN
ajbmeb-2698	52	11	is	be	AUX
ajbmeb-2698	52	12	essential	essential	ADJ
ajbmeb-2698	52	13	for	for	ADP
ajbmeb-2698	52	14	accelerating	accelerate	VERB
ajbmeb-2698	52	15	the	the	DET
ajbmeb-2698	52	16	lending	lending	NOUN
ajbmeb-2698	52	17	process	process	NOUN
ajbmeb-2698	52	18	and	and	CCONJ
ajbmeb-2698	52	19	ensuring	ensure	VERB
ajbmeb-2698	52	20	its	its	PRON
ajbmeb-2698	52	21	transparency	transparency	NOUN
ajbmeb-2698	52	22	.	.	PUNCT
ajbmeb-2698	53	1	american	american	ADJ
ajbmeb-2698	53	2	journal	journal	PROPN
ajbmeb-2698	53	3	of	of	ADP
ajbmeb-2698	53	4	business	business	NOUN
ajbmeb-2698	53	5	management	management	NOUN
ajbmeb-2698	53	6	,	,	PUNCT
ajbmeb-2698	53	7	economics	economic	NOUN
ajbmeb-2698	53	8	and	and	CCONJ
ajbmeb-2698	53	9	banking	banking	NOUN
ajbmeb-2698	53	10	volume	volume	NOUN
ajbmeb-2698	53	11	33	33	NUM
ajbmeb-2698	53	12	february	february	NOUN
ajbmeb-2698	53	13	2025	2025	NUM
ajbmeb-2698	53	14	p	p	NOUN
ajbmeb-2698	53	15	a	a	DET
ajbmeb-2698	53	16	g	g	NOUN
ajbmeb-2698	53	17	e	e	NOUN
ajbmeb-2698	53	18	|	|	ADV
ajbmeb-2698	53	19	32	32	NUM
ajbmeb-2698	53	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2698	53	21	table	table	NOUN
ajbmeb-2698	53	22	2	2	NUM
ajbmeb-2698	53	23	the	the	DET
ajbmeb-2698	53	24	share	share	NOUN
ajbmeb-2698	53	25	of	of	ADP
ajbmeb-2698	53	26	digital	digital	ADJ
ajbmeb-2698	53	27	technologies	technology	NOUN
ajbmeb-2698	53	28	used	use	VERB
ajbmeb-2698	53	29	in	in	ADP
ajbmeb-2698	53	30	crediting	credit	VERB
ajbmeb-2698	53	31	individuals	individual	NOUN
ajbmeb-2698	53	32	in	in	ADP
ajbmeb-2698	53	33	some	some	DET
ajbmeb-2698	53	34	cis	cis	NOUN
ajbmeb-2698	53	35	countries	country	NOUN
ajbmeb-2698	53	36	in	in	ADP
ajbmeb-2698	53	37	2019	2019	NUM
ajbmeb-2698	53	38	-	-	SYM
ajbmeb-2698	53	39	2024	2024	NUM
ajbmeb-2698	53	40	[	[	X
ajbmeb-2698	53	41	8	8	NUM
ajbmeb-2698	53	42	,	,	PUNCT
ajbmeb-2698	53	43	9	9	NUM
ajbmeb-2698	53	44	,	,	PUNCT
ajbmeb-2698	53	45	10	10	NUM
ajbmeb-2698	53	46	,	,	PUNCT
ajbmeb-2698	53	47	11	11	NUM
ajbmeb-2698	53	48	,	,	PUNCT
ajbmeb-2698	53	49	12	12	NUM
ajbmeb-2698	53	50	,	,	PUNCT
ajbmeb-2698	53	51	14	14	NUM
ajbmeb-2698	53	52	]	]	PUNCT
ajbmeb-2698	53	53	country	country	NOUN
ajbmeb-2698	53	54	share	share	VERB
ajbmeb-2698	53	55	basic	basic	ADJ
ajbmeb-2698	53	56	technologies	technology	NOUN
ajbmeb-2698	53	57	growth	growth	NOUN
ajbmeb-2698	53	58	rate	rate	NOUN
ajbmeb-2698	53	59	(	(	PUNCT
ajbmeb-2698	53	60	annual	annual	ADJ
ajbmeb-2698	53	61	)	)	PUNCT
ajbmeb-2698	53	62	russia	russia	NOUN
ajbmeb-2698	53	63	55	55	NUM
ajbmeb-2698	53	64	%	%	NOUN
ajbmeb-2698	53	65	ai	ai	NOUN
ajbmeb-2698	53	66	-	-	PUNCT
ajbmeb-2698	53	67	based	base	VERB
ajbmeb-2698	53	68	credit	credit	NOUN
ajbmeb-2698	53	69	assessment	assessment	NOUN
ajbmeb-2698	53	70	,	,	PUNCT
ajbmeb-2698	53	71	mobile	mobile	ADJ
ajbmeb-2698	53	72	app	app	NOUN
ajbmeb-2698	53	73	,	,	PUNCT
ajbmeb-2698	53	74	blockchain	blockchain	PROPN
ajbmeb-2698	53	75	12	12	NUM
ajbmeb-2698	53	76	%	%	NOUN
ajbmeb-2698	53	77	kazakhstan	kazakhstan	PROPN
ajbmeb-2698	53	78	45	45	NUM
ajbmeb-2698	53	79	%	%	NOUN
ajbmeb-2698	53	80	mobile	mobile	ADJ
ajbmeb-2698	53	81	banking	banking	NOUN
ajbmeb-2698	53	82	services	service	NOUN
ajbmeb-2698	53	83	,	,	PUNCT
ajbmeb-2698	53	84	digital	digital	PROPN
ajbmeb-2698	53	85	i	i	PROPN
ajbmeb-2698	53	86	d	d	PROPN
ajbmeb-2698	53	87	,	,	PUNCT
ajbmeb-2698	53	88	big	big	ADJ
ajbmeb-2698	53	89	data	datum	NOUN
ajbmeb-2698	53	90	analysis	analysis	NOUN
ajbmeb-2698	53	91	10	10	NUM
ajbmeb-2698	53	92	%	%	NOUN
ajbmeb-2698	53	93	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	53	94	30	30	NUM
ajbmeb-2698	53	95	%	%	NOUN
ajbmeb-2698	53	96	mobile	mobile	ADJ
ajbmeb-2698	53	97	application	application	NOUN
ajbmeb-2698	53	98	,	,	PUNCT
ajbmeb-2698	53	99	electronic	electronic	ADJ
ajbmeb-2698	53	100	payment	payment	NOUN
ajbmeb-2698	53	101	systems	system	NOUN
ajbmeb-2698	53	102	,	,	PUNCT
ajbmeb-2698	53	103	credit	credit	NOUN
ajbmeb-2698	53	104	platforms	platform	NOUN
ajbmeb-2698	53	105	15	15	NUM
ajbmeb-2698	53	106	%	%	NOUN
ajbmeb-2698	53	107	kyrgyzstan	kyrgyzstan	PROPN
ajbmeb-2698	53	108	25	25	NUM
ajbmeb-2698	53	109	%	%	NOUN
ajbmeb-2698	53	110	mobile	mobile	ADJ
ajbmeb-2698	53	111	application	application	NOUN
ajbmeb-2698	53	112	,	,	PUNCT
ajbmeb-2698	53	113	electronic	electronic	ADJ
ajbmeb-2698	53	114	wallets	wallet	NOUN
ajbmeb-2698	53	115	,	,	PUNCT
ajbmeb-2698	53	116	credit	credit	NOUN
ajbmeb-2698	53	117	history	history	NOUN
ajbmeb-2698	53	118	analysis	analysis	NOUN
ajbmeb-2698	53	119	8	8	NUM
ajbmeb-2698	53	120	%	%	NOUN
ajbmeb-2698	53	121	it	it	PRON
ajbmeb-2698	53	122	can	can	AUX
ajbmeb-2698	53	123	be	be	AUX
ajbmeb-2698	53	124	seen	see	VERB
ajbmeb-2698	53	125	from	from	ADP
ajbmeb-2698	53	126	the	the	DET
ajbmeb-2698	53	127	table	table	NOUN
ajbmeb-2698	53	128	that	that	SCONJ
ajbmeb-2698	53	129	in	in	ADP
ajbmeb-2698	53	130	2019	2019	NUM
ajbmeb-2698	53	131	-	-	SYM
ajbmeb-2698	53	132	2024	2024	NUM
ajbmeb-2698	53	133	,	,	PUNCT
ajbmeb-2698	53	134	russia	russia	PROPN
ajbmeb-2698	53	135	and	and	CCONJ
ajbmeb-2698	53	136	kazakhstan	kazakhstan	PROPN
ajbmeb-2698	53	137	are	be	AUX
ajbmeb-2698	53	138	leading	lead	VERB
ajbmeb-2698	53	139	among	among	ADP
ajbmeb-2698	53	140	the	the	DET
ajbmeb-2698	53	141	cis	cis	NOUN
ajbmeb-2698	53	142	countries	country	NOUN
ajbmeb-2698	53	143	in	in	ADP
ajbmeb-2698	53	144	the	the	DET
ajbmeb-2698	53	145	process	process	NOUN
ajbmeb-2698	53	146	of	of	ADP
ajbmeb-2698	53	147	crediting	credit	VERB
ajbmeb-2698	53	148	individuals	individual	NOUN
ajbmeb-2698	53	149	through	through	ADP
ajbmeb-2698	53	150	digital	digital	ADJ
ajbmeb-2698	53	151	technologies	technology	NOUN
ajbmeb-2698	53	152	.	.	PUNCT
ajbmeb-2698	54	1	although	although	SCONJ
ajbmeb-2698	54	2	this	this	DET
ajbmeb-2698	54	3	process	process	NOUN
ajbmeb-2698	54	4	has	have	VERB
ajbmeb-2698	54	5	a	a	DET
ajbmeb-2698	54	6	relatively	relatively	ADV
ajbmeb-2698	54	7	low	low	ADJ
ajbmeb-2698	54	8	share	share	NOUN
ajbmeb-2698	54	9	in	in	ADP
ajbmeb-2698	54	10	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	54	11	,	,	PUNCT
ajbmeb-2698	54	12	the	the	DET
ajbmeb-2698	54	13	15	15	NUM
ajbmeb-2698	54	14	%	%	NOUN
ajbmeb-2698	54	15	annual	annual	ADJ
ajbmeb-2698	54	16	growth	growth	NOUN
ajbmeb-2698	54	17	rate	rate	NOUN
ajbmeb-2698	54	18	shows	show	VERB
ajbmeb-2698	54	19	that	that	SCONJ
ajbmeb-2698	54	20	the	the	DET
ajbmeb-2698	54	21	development	development	NOUN
ajbmeb-2698	54	22	of	of	ADP
ajbmeb-2698	54	23	digital	digital	ADJ
ajbmeb-2698	54	24	lending	lending	NOUN
ajbmeb-2698	54	25	in	in	ADP
ajbmeb-2698	54	26	the	the	DET
ajbmeb-2698	54	27	country	country	NOUN
ajbmeb-2698	54	28	is	be	AUX
ajbmeb-2698	54	29	accelerating	accelerate	VERB
ajbmeb-2698	54	30	.	.	PUNCT
ajbmeb-2698	55	1	current	current	ADJ
ajbmeb-2698	55	2	state	state	NOUN
ajbmeb-2698	55	3	programs	program	NOUN
ajbmeb-2698	55	4	,	,	PUNCT
ajbmeb-2698	55	5	modernization	modernization	NOUN
ajbmeb-2698	55	6	of	of	ADP
ajbmeb-2698	55	7	banking	banking	NOUN
ajbmeb-2698	55	8	infrastructure	infrastructure	NOUN
ajbmeb-2698	55	9	,	,	PUNCT
ajbmeb-2698	55	10	and	and	CCONJ
ajbmeb-2698	55	11	expansion	expansion	NOUN
ajbmeb-2698	55	12	of	of	ADP
ajbmeb-2698	55	13	electronic	electronic	ADJ
ajbmeb-2698	55	14	payment	payment	NOUN
ajbmeb-2698	55	15	systems	system	NOUN
ajbmeb-2698	55	16	are	be	AUX
ajbmeb-2698	55	17	seen	see	VERB
ajbmeb-2698	55	18	as	as	ADP
ajbmeb-2698	55	19	decisive	decisive	ADJ
ajbmeb-2698	55	20	factors	factor	NOUN
ajbmeb-2698	55	21	.	.	PUNCT
ajbmeb-2698	56	1	the	the	DET
ajbmeb-2698	56	2	development	development	NOUN
ajbmeb-2698	56	3	of	of	ADP
ajbmeb-2698	56	4	digital	digital	ADJ
ajbmeb-2698	56	5	technologies	technology	NOUN
ajbmeb-2698	56	6	in	in	ADP
ajbmeb-2698	56	7	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	56	8	provides	provide	VERB
ajbmeb-2698	56	9	wider	wide	ADJ
ajbmeb-2698	56	10	access	access	NOUN
ajbmeb-2698	56	11	to	to	ADP
ajbmeb-2698	56	12	financial	financial	ADJ
ajbmeb-2698	56	13	services	service	NOUN
ajbmeb-2698	56	14	and	and	CCONJ
ajbmeb-2698	56	15	has	have	VERB
ajbmeb-2698	56	16	a	a	DET
ajbmeb-2698	56	17	positive	positive	ADJ
ajbmeb-2698	56	18	impact	impact	NOUN
ajbmeb-2698	56	19	on	on	ADP
ajbmeb-2698	56	20	various	various	ADJ
ajbmeb-2698	56	21	sectors	sector	NOUN
ajbmeb-2698	56	22	of	of	ADP
ajbmeb-2698	56	23	the	the	DET
ajbmeb-2698	56	24	economy	economy	NOUN
ajbmeb-2698	56	25	.	.	PUNCT
ajbmeb-2698	57	1	this	this	PRON
ajbmeb-2698	57	2	,	,	PUNCT
ajbmeb-2698	57	3	in	in	ADP
ajbmeb-2698	57	4	turn	turn	NOUN
ajbmeb-2698	57	5	,	,	PUNCT
ajbmeb-2698	57	6	will	will	AUX
ajbmeb-2698	57	7	help	help	VERB
ajbmeb-2698	57	8	increase	increase	VERB
ajbmeb-2698	57	9	financial	financial	ADJ
ajbmeb-2698	57	10	inclusion	inclusion	NOUN
ajbmeb-2698	57	11	in	in	ADP
ajbmeb-2698	57	12	the	the	DET
ajbmeb-2698	57	13	country	country	NOUN
ajbmeb-2698	57	14	and	and	CCONJ
ajbmeb-2698	57	15	strengthen	strengthen	VERB
ajbmeb-2698	57	16	the	the	DET
ajbmeb-2698	57	17	competitiveness	competitiveness	NOUN
ajbmeb-2698	57	18	of	of	ADP
ajbmeb-2698	57	19	banking	banking	NOUN
ajbmeb-2698	57	20	services	service	NOUN
ajbmeb-2698	57	21	.	.	PUNCT
ajbmeb-2698	58	1	therefore	therefore	ADV
ajbmeb-2698	58	2	,	,	PUNCT
ajbmeb-2698	58	3	the	the	DET
ajbmeb-2698	58	4	digitization	digitization	NOUN
ajbmeb-2698	58	5	of	of	ADP
ajbmeb-2698	58	6	the	the	DET
ajbmeb-2698	58	7	lending	lending	NOUN
ajbmeb-2698	58	8	process	process	NOUN
ajbmeb-2698	58	9	plays	play	VERB
ajbmeb-2698	58	10	an	an	DET
ajbmeb-2698	58	11	important	important	ADJ
ajbmeb-2698	58	12	role	role	NOUN
ajbmeb-2698	58	13	in	in	ADP
ajbmeb-2698	58	14	increasing	increase	VERB
ajbmeb-2698	58	15	the	the	DET
ajbmeb-2698	58	16	efficiency	efficiency	NOUN
ajbmeb-2698	58	17	and	and	CCONJ
ajbmeb-2698	58	18	stability	stability	NOUN
ajbmeb-2698	58	19	of	of	ADP
ajbmeb-2698	58	20	the	the	DET
ajbmeb-2698	58	21	banking	banking	NOUN
ajbmeb-2698	58	22	system	system	NOUN
ajbmeb-2698	58	23	of	of	ADP
ajbmeb-2698	58	24	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	58	25	,	,	PUNCT
ajbmeb-2698	58	26	in	in	ADP
ajbmeb-2698	58	27	creating	create	VERB
ajbmeb-2698	58	28	convenience	convenience	NOUN
ajbmeb-2698	58	29	for	for	ADP
ajbmeb-2698	58	30	clients	client	NOUN
ajbmeb-2698	58	31	,	,	PUNCT
ajbmeb-2698	58	32	and	and	CCONJ
ajbmeb-2698	58	33	in	in	ADP
ajbmeb-2698	58	34	economic	economic	ADJ
ajbmeb-2698	58	35	development	development	NOUN
ajbmeb-2698	58	36	.	.	PUNCT
ajbmeb-2698	59	1	this	this	DET
ajbmeb-2698	59	2	process	process	NOUN
ajbmeb-2698	59	3	gives	give	VERB
ajbmeb-2698	59	4	banks	bank	NOUN
ajbmeb-2698	59	5	an	an	DET
ajbmeb-2698	59	6	opportunity	opportunity	NOUN
ajbmeb-2698	59	7	to	to	PART
ajbmeb-2698	59	8	increase	increase	VERB
ajbmeb-2698	59	9	their	their	PRON
ajbmeb-2698	59	10	competitiveness	competitiveness	NOUN
ajbmeb-2698	59	11	and	and	CCONJ
ajbmeb-2698	59	12	contributes	contribute	VERB
ajbmeb-2698	59	13	to	to	ADP
ajbmeb-2698	59	14	the	the	DET
ajbmeb-2698	59	15	expansion	expansion	NOUN
ajbmeb-2698	59	16	of	of	ADP
ajbmeb-2698	59	17	financial	financial	ADJ
ajbmeb-2698	59	18	inclusion	inclusion	NOUN
ajbmeb-2698	59	19	in	in	ADP
ajbmeb-2698	59	20	the	the	DET
ajbmeb-2698	59	21	country	country	NOUN
ajbmeb-2698	59	22	.	.	PUNCT
ajbmeb-2698	60	1	also	also	ADV
ajbmeb-2698	60	2	,	,	PUNCT
ajbmeb-2698	60	3	through	through	ADP
ajbmeb-2698	60	4	digitization	digitization	NOUN
ajbmeb-2698	60	5	,	,	PUNCT
ajbmeb-2698	60	6	banking	banking	NOUN
ajbmeb-2698	60	7	services	service	NOUN
ajbmeb-2698	60	8	will	will	AUX
ajbmeb-2698	60	9	be	be	AUX
ajbmeb-2698	60	10	adapted	adapt	VERB
ajbmeb-2698	60	11	to	to	ADP
ajbmeb-2698	60	12	global	global	ADJ
ajbmeb-2698	60	13	standards	standard	NOUN
ajbmeb-2698	60	14	,	,	PUNCT
ajbmeb-2698	60	15	which	which	PRON
ajbmeb-2698	60	16	will	will	AUX
ajbmeb-2698	60	17	create	create	VERB
ajbmeb-2698	60	18	more	more	ADJ
ajbmeb-2698	60	19	opportunities	opportunity	NOUN
ajbmeb-2698	60	20	for	for	ADP
ajbmeb-2698	60	21	attracting	attract	VERB
ajbmeb-2698	60	22	investments	investment	NOUN
ajbmeb-2698	60	23	on	on	ADP
ajbmeb-2698	60	24	an	an	DET
ajbmeb-2698	60	25	international	international	ADJ
ajbmeb-2698	60	26	scale	scale	NOUN
ajbmeb-2698	60	27	.	.	PUNCT
ajbmeb-2698	61	1	there	there	PRON
ajbmeb-2698	61	2	are	be	VERB
ajbmeb-2698	61	3	a	a	DET
ajbmeb-2698	61	4	number	number	NOUN
ajbmeb-2698	61	5	of	of	ADP
ajbmeb-2698	61	6	problematic	problematic	ADJ
ajbmeb-2698	61	7	situations	situation	NOUN
ajbmeb-2698	61	8	in	in	ADP
ajbmeb-2698	61	9	the	the	DET
ajbmeb-2698	61	10	digitization	digitization	NOUN
ajbmeb-2698	61	11	process	process	NOUN
ajbmeb-2698	61	12	of	of	ADP
ajbmeb-2698	61	13	crediting	credit	VERB
ajbmeb-2698	61	14	individuals	individual	NOUN
ajbmeb-2698	61	15	in	in	ADP
ajbmeb-2698	61	16	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	61	17	and	and	CCONJ
ajbmeb-2698	61	18	the	the	DET
ajbmeb-2698	61	19	world	world	NOUN
ajbmeb-2698	61	20	,	,	PUNCT
ajbmeb-2698	61	21	which	which	PRON
ajbmeb-2698	61	22	limit	limit	VERB
ajbmeb-2698	61	23	the	the	DET
ajbmeb-2698	61	24	effective	effective	ADJ
ajbmeb-2698	61	25	and	and	CCONJ
ajbmeb-2698	61	26	complete	complete	ADJ
ajbmeb-2698	61	27	implementation	implementation	NOUN
ajbmeb-2698	61	28	of	of	ADP
ajbmeb-2698	61	29	this	this	DET
ajbmeb-2698	61	30	process	process	NOUN
ajbmeb-2698	61	31	.	.	PUNCT
ajbmeb-2698	62	1	these	these	DET
ajbmeb-2698	62	2	problems	problem	NOUN
ajbmeb-2698	62	3	are	be	AUX
ajbmeb-2698	62	4	related	relate	VERB
ajbmeb-2698	62	5	to	to	ADP
ajbmeb-2698	62	6	technological	technological	ADJ
ajbmeb-2698	62	7	,	,	PUNCT
ajbmeb-2698	62	8	economic	economic	ADJ
ajbmeb-2698	62	9	,	,	PUNCT
ajbmeb-2698	62	10	legal	legal	ADJ
ajbmeb-2698	62	11	,	,	PUNCT
ajbmeb-2698	62	12	and	and	CCONJ
ajbmeb-2698	62	13	human	human	ADJ
ajbmeb-2698	62	14	factors	factor	NOUN
ajbmeb-2698	62	15	.	.	PUNCT
ajbmeb-2698	63	1	below	below	ADP
ajbmeb-2698	63	2	we	we	PRON
ajbmeb-2698	63	3	will	will	AUX
ajbmeb-2698	63	4	try	try	VERB
ajbmeb-2698	63	5	to	to	PART
ajbmeb-2698	63	6	present	present	VERB
ajbmeb-2698	63	7	the	the	DET
ajbmeb-2698	63	8	main	main	ADJ
ajbmeb-2698	63	9	problems	problem	NOUN
ajbmeb-2698	63	10	.	.	PUNCT
ajbmeb-2698	64	1	the	the	DET
ajbmeb-2698	64	2	first	first	ADJ
ajbmeb-2698	64	3	problem	problem	NOUN
ajbmeb-2698	64	4	is	be	AUX
ajbmeb-2698	64	5	insufficient	insufficient	ADJ
ajbmeb-2698	64	6	technological	technological	ADJ
ajbmeb-2698	64	7	infrastructure	infrastructure	NOUN
ajbmeb-2698	64	8	.	.	PUNCT
ajbmeb-2698	65	1	although	although	SCONJ
ajbmeb-2698	65	2	great	great	ADJ
ajbmeb-2698	65	3	attention	attention	NOUN
ajbmeb-2698	65	4	is	be	AUX
ajbmeb-2698	65	5	being	be	AUX
ajbmeb-2698	65	6	paid	pay	VERB
ajbmeb-2698	65	7	to	to	ADP
ajbmeb-2698	65	8	the	the	DET
ajbmeb-2698	65	9	digitalization	digitalization	NOUN
ajbmeb-2698	65	10	process	process	NOUN
ajbmeb-2698	65	11	in	in	ADP
ajbmeb-2698	65	12	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	65	13	,	,	PUNCT
ajbmeb-2698	65	14	the	the	DET
ajbmeb-2698	65	15	territorial	territorial	ADJ
ajbmeb-2698	65	16	coverage	coverage	NOUN
ajbmeb-2698	65	17	of	of	ADP
ajbmeb-2698	65	18	the	the	DET
ajbmeb-2698	65	19	internet	internet	NOUN
ajbmeb-2698	65	20	network	network	NOUN
ajbmeb-2698	65	21	is	be	AUX
ajbmeb-2698	65	22	still	still	ADV
ajbmeb-2698	65	23	limited	limited	ADJ
ajbmeb-2698	65	24	.	.	PUNCT
ajbmeb-2698	66	1	internet	internet	NOUN
ajbmeb-2698	66	2	speed	speed	NOUN
ajbmeb-2698	66	3	is	be	AUX
ajbmeb-2698	66	4	low	low	ADJ
ajbmeb-2698	66	5	in	in	ADP
ajbmeb-2698	66	6	rural	rural	ADJ
ajbmeb-2698	66	7	areas	area	NOUN
ajbmeb-2698	66	8	,	,	PUNCT
ajbmeb-2698	66	9	which	which	PRON
ajbmeb-2698	66	10	limits	limit	VERB
ajbmeb-2698	66	11	the	the	DET
ajbmeb-2698	66	12	possibility	possibility	NOUN
ajbmeb-2698	66	13	of	of	ADP
ajbmeb-2698	66	14	effective	effective	ADJ
ajbmeb-2698	66	15	use	use	NOUN
ajbmeb-2698	66	16	of	of	ADP
ajbmeb-2698	66	17	digital	digital	ADJ
ajbmeb-2698	66	18	platforms	platform	NOUN
ajbmeb-2698	66	19	.	.	PUNCT
ajbmeb-2698	67	1	according	accord	VERB
ajbmeb-2698	67	2	to	to	ADP
ajbmeb-2698	67	3	2020	2020	NUM
ajbmeb-2698	67	4	data	datum	NOUN
ajbmeb-2698	67	5	,	,	PUNCT
ajbmeb-2698	67	6	only	only	ADV
ajbmeb-2698	67	7	56	56	NUM
ajbmeb-2698	67	8	percent	percent	NOUN
ajbmeb-2698	67	9	of	of	ADP
ajbmeb-2698	67	10	the	the	DET
ajbmeb-2698	67	11	population	population	NOUN
ajbmeb-2698	67	12	of	of	ADP
ajbmeb-2698	67	13	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	67	14	had	have	VERB
ajbmeb-2698	67	15	access	access	NOUN
ajbmeb-2698	67	16	to	to	ADP
ajbmeb-2698	67	17	the	the	DET
ajbmeb-2698	67	18	internet	internet	NOUN
ajbmeb-2698	67	19	.	.	PUNCT
ajbmeb-2698	68	1	also	also	ADV
ajbmeb-2698	68	2	,	,	PUNCT
ajbmeb-2698	68	3	high	high	ADJ
ajbmeb-2698	68	4	internet	internet	NOUN
ajbmeb-2698	68	5	prices	price	NOUN
ajbmeb-2698	68	6	and	and	CCONJ
ajbmeb-2698	68	7	limited	limited	ADJ
ajbmeb-2698	68	8	technical	technical	ADJ
ajbmeb-2698	68	9	services	service	NOUN
ajbmeb-2698	68	10	reduce	reduce	VERB
ajbmeb-2698	68	11	the	the	DET
ajbmeb-2698	68	12	level	level	NOUN
ajbmeb-2698	68	13	of	of	ADP
ajbmeb-2698	68	14	use	use	NOUN
ajbmeb-2698	68	15	of	of	ADP
ajbmeb-2698	68	16	digital	digital	ADJ
ajbmeb-2698	68	17	platforms	platform	NOUN
ajbmeb-2698	68	18	by	by	ADP
ajbmeb-2698	68	19	the	the	DET
ajbmeb-2698	68	20	population	population	NOUN
ajbmeb-2698	68	21	[	[	X
ajbmeb-2698	68	22	13	13	NUM
ajbmeb-2698	68	23	]	]	PUNCT
ajbmeb-2698	68	24	.	.	PUNCT
ajbmeb-2698	69	1	the	the	DET
ajbmeb-2698	69	2	second	second	ADJ
ajbmeb-2698	69	3	problem	problem	NOUN
ajbmeb-2698	69	4	is	be	AUX
ajbmeb-2698	69	5	the	the	DET
ajbmeb-2698	69	6	lack	lack	NOUN
ajbmeb-2698	69	7	of	of	ADP
ajbmeb-2698	69	8	technological	technological	ADJ
ajbmeb-2698	69	9	resources	resource	NOUN
ajbmeb-2698	69	10	in	in	ADP
ajbmeb-2698	69	11	banks	bank	NOUN
ajbmeb-2698	69	12	and	and	CCONJ
ajbmeb-2698	69	13	financial	financial	ADJ
ajbmeb-2698	69	14	institutions	institution	NOUN
ajbmeb-2698	69	15	.	.	PUNCT
ajbmeb-2698	70	1	the	the	DET
ajbmeb-2698	70	2	digitization	digitization	NOUN
ajbmeb-2698	70	3	process	process	NOUN
ajbmeb-2698	70	4	requires	require	VERB
ajbmeb-2698	70	5	expensive	expensive	ADJ
ajbmeb-2698	70	6	software	software	NOUN
ajbmeb-2698	70	7	,	,	PUNCT
ajbmeb-2698	70	8	high	high	ADJ
ajbmeb-2698	70	9	-	-	PUNCT
ajbmeb-2698	70	10	powered	power	VERB
ajbmeb-2698	70	11	servers	server	NOUN
ajbmeb-2698	70	12	,	,	PUNCT
ajbmeb-2698	70	13	and	and	CCONJ
ajbmeb-2698	70	14	security	security	NOUN
ajbmeb-2698	70	15	systems	system	NOUN
ajbmeb-2698	70	16	.	.	PUNCT
ajbmeb-2698	71	1	big	big	ADJ
ajbmeb-2698	71	2	investments	investment	NOUN
ajbmeb-2698	71	3	will	will	AUX
ajbmeb-2698	71	4	be	be	AUX
ajbmeb-2698	71	5	needed	need	VERB
ajbmeb-2698	71	6	to	to	PART
ajbmeb-2698	71	7	introduce	introduce	VERB
ajbmeb-2698	71	8	such	such	ADJ
ajbmeb-2698	71	9	technologies	technology	NOUN
ajbmeb-2698	71	10	.	.	PUNCT
ajbmeb-2698	72	1	however	however	ADV
ajbmeb-2698	72	2	,	,	PUNCT
ajbmeb-2698	72	3	many	many	ADJ
ajbmeb-2698	72	4	banks	bank	NOUN
ajbmeb-2698	72	5	do	do	AUX
ajbmeb-2698	72	6	not	not	PART
ajbmeb-2698	72	7	have	have	VERB
ajbmeb-2698	72	8	the	the	DET
ajbmeb-2698	72	9	opportunity	opportunity	NOUN
ajbmeb-2698	72	10	to	to	PART
ajbmeb-2698	72	11	make	make	VERB
ajbmeb-2698	72	12	such	such	ADJ
ajbmeb-2698	72	13	investments	investment	NOUN
ajbmeb-2698	72	14	.	.	PUNCT
ajbmeb-2698	73	1	for	for	ADP
ajbmeb-2698	73	2	example	example	NOUN
ajbmeb-2698	73	3	,	,	PUNCT
ajbmeb-2698	73	4	as	as	ADP
ajbmeb-2698	73	5	of	of	ADP
ajbmeb-2698	73	6	the	the	DET
ajbmeb-2698	73	7	end	end	NOUN
ajbmeb-2698	73	8	of	of	ADP
ajbmeb-2698	73	9	the	the	DET
ajbmeb-2698	73	10	9th	9th	ADJ
ajbmeb-2698	73	11	month	month	NOUN
ajbmeb-2698	73	12	of	of	ADP
ajbmeb-2698	73	13	2024	2024	NUM
ajbmeb-2698	73	14	,	,	PUNCT
ajbmeb-2698	73	15	some	some	DET
ajbmeb-2698	73	16	commercial	commercial	ADJ
ajbmeb-2698	73	17	banks	bank	NOUN
ajbmeb-2698	73	18	in	in	ADP
ajbmeb-2698	73	19	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	73	20	are	be	AUX
ajbmeb-2698	73	21	not	not	PART
ajbmeb-2698	73	22	able	able	ADJ
ajbmeb-2698	73	23	to	to	PART
ajbmeb-2698	73	24	allocate	allocate	VERB
ajbmeb-2698	73	25	the	the	DET
ajbmeb-2698	73	26	necessary	necessary	ADJ
ajbmeb-2698	73	27	funds	fund	NOUN
ajbmeb-2698	73	28	for	for	ADP
ajbmeb-2698	73	29	digitization	digitization	NOUN
ajbmeb-2698	73	30	due	due	ADP
ajbmeb-2698	73	31	to	to	ADP
ajbmeb-2698	73	32	a	a	DET
ajbmeb-2698	73	33	slight	slight	ADJ
ajbmeb-2698	73	34	decrease	decrease	NOUN
ajbmeb-2698	73	35	in	in	ADP
ajbmeb-2698	73	36	their	their	PRON
ajbmeb-2698	73	37	net	net	ADJ
ajbmeb-2698	73	38	profit	profit	NOUN
ajbmeb-2698	73	39	[	[	X
ajbmeb-2698	73	40	14	14	NUM
ajbmeb-2698	73	41	]	]	PUNCT
ajbmeb-2698	73	42	.	.	PUNCT
ajbmeb-2698	74	1	the	the	DET
ajbmeb-2698	74	2	third	third	ADJ
ajbmeb-2698	74	3	problem	problem	NOUN
ajbmeb-2698	74	4	is	be	AUX
ajbmeb-2698	74	5	the	the	DET
ajbmeb-2698	74	6	increase	increase	NOUN
ajbmeb-2698	74	7	of	of	ADP
ajbmeb-2698	74	8	information	information	NOUN
ajbmeb-2698	74	9	security	security	NOUN
ajbmeb-2698	74	10	and	and	CCONJ
ajbmeb-2698	74	11	cyber	cyber	NOUN
ajbmeb-2698	74	12	threats	threat	NOUN
ajbmeb-2698	74	13	.	.	PUNCT
ajbmeb-2698	75	1	in	in	ADP
ajbmeb-2698	75	2	the	the	DET
ajbmeb-2698	75	3	process	process	NOUN
ajbmeb-2698	75	4	of	of	ADP
ajbmeb-2698	75	5	american	american	ADJ
ajbmeb-2698	75	6	journal	journal	PROPN
ajbmeb-2698	75	7	of	of	ADP
ajbmeb-2698	75	8	business	business	NOUN
ajbmeb-2698	75	9	management	management	NOUN
ajbmeb-2698	75	10	,	,	PUNCT
ajbmeb-2698	75	11	economics	economic	NOUN
ajbmeb-2698	75	12	and	and	CCONJ
ajbmeb-2698	75	13	banking	banking	NOUN
ajbmeb-2698	75	14	volume	volume	NOUN
ajbmeb-2698	75	15	33	33	NUM
ajbmeb-2698	75	16	february	february	NOUN
ajbmeb-2698	75	17	2025	2025	NUM
ajbmeb-2698	75	18	p	p	NOUN
ajbmeb-2698	76	1	a	a	DET
ajbmeb-2698	76	2	g	g	NOUN
ajbmeb-2698	76	3	e	e	NOUN
ajbmeb-2698	76	4	|	|	ADV
ajbmeb-2698	76	5	33	33	NUM
ajbmeb-2698	76	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2698	76	7	digitization	digitization	NOUN
ajbmeb-2698	76	8	,	,	PUNCT
ajbmeb-2698	76	9	the	the	DET
ajbmeb-2698	76	10	storage	storage	NOUN
ajbmeb-2698	76	11	of	of	ADP
ajbmeb-2698	76	12	data	datum	NOUN
ajbmeb-2698	76	13	in	in	ADP
ajbmeb-2698	76	14	digital	digital	ADJ
ajbmeb-2698	76	15	systems	system	NOUN
ajbmeb-2698	76	16	increases	increase	VERB
ajbmeb-2698	76	17	the	the	DET
ajbmeb-2698	76	18	vulnerability	vulnerability	NOUN
ajbmeb-2698	76	19	against	against	ADP
ajbmeb-2698	76	20	cyber	cyber	NOUN
ajbmeb-2698	76	21	attacks	attack	NOUN
ajbmeb-2698	76	22	.	.	PUNCT
ajbmeb-2698	77	1	for	for	ADP
ajbmeb-2698	77	2	example	example	NOUN
ajbmeb-2698	77	3	,	,	PUNCT
ajbmeb-2698	77	4	in	in	ADP
ajbmeb-2698	77	5	2023	2023	NUM
ajbmeb-2698	77	6	,	,	PUNCT
ajbmeb-2698	77	7	more	more	ADJ
ajbmeb-2698	77	8	than	than	ADP
ajbmeb-2698	77	9	11.2	11.2	NUM
ajbmeb-2698	77	10	million	million	NUM
ajbmeb-2698	77	11	cyber	cyber	NOUN
ajbmeb-2698	77	12	attacks	attack	NOUN
ajbmeb-2698	77	13	were	be	AUX
ajbmeb-2698	77	14	carried	carry	VERB
ajbmeb-2698	77	15	out	out	ADP
ajbmeb-2698	77	16	on	on	ADP
ajbmeb-2698	77	17	web	web	NOUN
ajbmeb-2698	77	18	resources	resource	NOUN
ajbmeb-2698	77	19	in	in	ADP
ajbmeb-2698	77	20	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	77	21	.	.	PUNCT
ajbmeb-2698	78	1	this	this	DET
ajbmeb-2698	78	2	situation	situation	NOUN
ajbmeb-2698	78	3	reduces	reduce	VERB
ajbmeb-2698	78	4	customer	customer	NOUN
ajbmeb-2698	78	5	trust	trust	NOUN
ajbmeb-2698	78	6	in	in	ADP
ajbmeb-2698	78	7	digital	digital	ADJ
ajbmeb-2698	78	8	platforms	platform	NOUN
ajbmeb-2698	78	9	and	and	CCONJ
ajbmeb-2698	78	10	increases	increase	VERB
ajbmeb-2698	78	11	the	the	DET
ajbmeb-2698	78	12	risk	risk	NOUN
ajbmeb-2698	78	13	of	of	ADP
ajbmeb-2698	78	14	fraud	fraud	NOUN
ajbmeb-2698	78	15	.	.	PUNCT
ajbmeb-2698	79	1	also	also	ADV
ajbmeb-2698	79	2	,	,	PUNCT
ajbmeb-2698	79	3	cyber	cyber	NOUN
ajbmeb-2698	79	4	attacks	attack	NOUN
ajbmeb-2698	79	5	cause	cause	VERB
ajbmeb-2698	79	6	huge	huge	ADJ
ajbmeb-2698	79	7	financial	financial	ADJ
ajbmeb-2698	79	8	losses	loss	NOUN
ajbmeb-2698	79	9	for	for	ADP
ajbmeb-2698	79	10	banks	bank	NOUN
ajbmeb-2698	79	11	and	and	CCONJ
ajbmeb-2698	79	12	financial	financial	ADJ
ajbmeb-2698	79	13	institutions	institution	NOUN
ajbmeb-2698	79	14	.	.	PUNCT
ajbmeb-2698	80	1	the	the	DET
ajbmeb-2698	80	2	fourth	fourth	ADJ
ajbmeb-2698	80	3	problem	problem	NOUN
ajbmeb-2698	80	4	is	be	AUX
ajbmeb-2698	80	5	the	the	DET
ajbmeb-2698	80	6	weakness	weakness	NOUN
ajbmeb-2698	80	7	of	of	ADP
ajbmeb-2698	80	8	the	the	DET
ajbmeb-2698	80	9	legal	legal	ADJ
ajbmeb-2698	80	10	framework	framework	NOUN
ajbmeb-2698	80	11	.	.	PUNCT
ajbmeb-2698	81	1	in	in	ADP
ajbmeb-2698	81	2	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	81	3	,	,	PUNCT
ajbmeb-2698	81	4	the	the	DET
ajbmeb-2698	81	5	relevant	relevant	ADJ
ajbmeb-2698	81	6	legal	legal	ADJ
ajbmeb-2698	81	7	framework	framework	NOUN
ajbmeb-2698	81	8	for	for	ADP
ajbmeb-2698	81	9	the	the	DET
ajbmeb-2698	81	10	use	use	NOUN
ajbmeb-2698	81	11	of	of	ADP
ajbmeb-2698	81	12	digital	digital	ADJ
ajbmeb-2698	81	13	platforms	platform	NOUN
ajbmeb-2698	81	14	and	and	CCONJ
ajbmeb-2698	81	15	blockchain	blockchain	PROPN
ajbmeb-2698	81	16	technologies	technology	NOUN
ajbmeb-2698	81	17	has	have	AUX
ajbmeb-2698	81	18	not	not	PART
ajbmeb-2698	81	19	yet	yet	ADV
ajbmeb-2698	81	20	been	be	AUX
ajbmeb-2698	81	21	fully	fully	ADV
ajbmeb-2698	81	22	formed	form	VERB
ajbmeb-2698	81	23	.	.	PUNCT
ajbmeb-2698	82	1	the	the	DET
ajbmeb-2698	82	2	lack	lack	NOUN
ajbmeb-2698	82	3	of	of	ADP
ajbmeb-2698	82	4	clear	clear	ADJ
ajbmeb-2698	82	5	legislation	legislation	NOUN
ajbmeb-2698	82	6	on	on	ADP
ajbmeb-2698	82	7	information	information	NOUN
ajbmeb-2698	82	8	security	security	NOUN
ajbmeb-2698	82	9	,	,	PUNCT
ajbmeb-2698	82	10	personal	personal	ADJ
ajbmeb-2698	82	11	data	datum	NOUN
ajbmeb-2698	82	12	protection	protection	NOUN
ajbmeb-2698	82	13	,	,	PUNCT
ajbmeb-2698	82	14	and	and	CCONJ
ajbmeb-2698	82	15	digital	digital	ADJ
ajbmeb-2698	82	16	contracts	contract	NOUN
ajbmeb-2698	82	17	slows	slow	VERB
ajbmeb-2698	82	18	down	down	ADP
ajbmeb-2698	82	19	the	the	DET
ajbmeb-2698	82	20	transition	transition	NOUN
ajbmeb-2698	82	21	of	of	ADP
ajbmeb-2698	82	22	banks	bank	NOUN
ajbmeb-2698	82	23	to	to	ADP
ajbmeb-2698	82	24	digital	digital	ADJ
ajbmeb-2698	82	25	technologies	technology	NOUN
ajbmeb-2698	82	26	.	.	PUNCT
ajbmeb-2698	83	1	although	although	SCONJ
ajbmeb-2698	83	2	the	the	DET
ajbmeb-2698	83	3	“	"	PUNCT
ajbmeb-2698	83	4	digital	digital	ADJ
ajbmeb-2698	83	5	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	83	6	–	–	PUNCT
ajbmeb-2698	83	7	2030	2030	NUM
ajbmeb-2698	83	8	”	"	PUNCT
ajbmeb-2698	83	9	strategy	strategy	NOUN
ajbmeb-2698	83	10	has	have	AUX
ajbmeb-2698	83	11	been	be	AUX
ajbmeb-2698	83	12	adopted	adopt	VERB
ajbmeb-2698	83	13	,	,	PUNCT
ajbmeb-2698	83	14	further	further	ADJ
ajbmeb-2698	83	15	improvement	improvement	NOUN
ajbmeb-2698	83	16	of	of	ADP
ajbmeb-2698	83	17	the	the	DET
ajbmeb-2698	83	18	legal	legal	ADJ
ajbmeb-2698	83	19	framework	framework	NOUN
ajbmeb-2698	83	20	is	be	AUX
ajbmeb-2698	83	21	required	require	VERB
ajbmeb-2698	83	22	for	for	ADP
ajbmeb-2698	83	23	its	its	PRON
ajbmeb-2698	83	24	full	full	ADJ
ajbmeb-2698	83	25	implementation	implementation	NOUN
ajbmeb-2698	83	26	.	.	PUNCT
ajbmeb-2698	84	1	the	the	DET
ajbmeb-2698	84	2	fifth	fifth	ADJ
ajbmeb-2698	84	3	problem	problem	NOUN
ajbmeb-2698	84	4	is	be	AUX
ajbmeb-2698	84	5	the	the	DET
ajbmeb-2698	84	6	low	low	ADJ
ajbmeb-2698	84	7	digital	digital	ADJ
ajbmeb-2698	84	8	literacy	literacy	NOUN
ajbmeb-2698	84	9	of	of	ADP
ajbmeb-2698	84	10	the	the	DET
ajbmeb-2698	84	11	population	population	NOUN
ajbmeb-2698	84	12	.	.	PUNCT
ajbmeb-2698	85	1	many	many	ADJ
ajbmeb-2698	85	2	citizens	citizen	NOUN
ajbmeb-2698	85	3	do	do	AUX
ajbmeb-2698	85	4	not	not	PART
ajbmeb-2698	85	5	have	have	VERB
ajbmeb-2698	85	6	the	the	DET
ajbmeb-2698	85	7	skills	skill	NOUN
ajbmeb-2698	85	8	to	to	PART
ajbmeb-2698	85	9	use	use	VERB
ajbmeb-2698	85	10	digital	digital	ADJ
ajbmeb-2698	85	11	platforms	platform	NOUN
ajbmeb-2698	85	12	.	.	PUNCT
ajbmeb-2698	86	1	in	in	ADP
ajbmeb-2698	86	2	particular	particular	ADJ
ajbmeb-2698	86	3	,	,	PUNCT
ajbmeb-2698	86	4	the	the	DET
ajbmeb-2698	86	5	population	population	NOUN
ajbmeb-2698	86	6	in	in	ADP
ajbmeb-2698	86	7	rural	rural	ADJ
ajbmeb-2698	86	8	areas	area	NOUN
ajbmeb-2698	86	9	does	do	AUX
ajbmeb-2698	86	10	not	not	PART
ajbmeb-2698	86	11	have	have	VERB
ajbmeb-2698	86	12	enough	enough	ADJ
ajbmeb-2698	86	13	information	information	NOUN
ajbmeb-2698	86	14	about	about	ADP
ajbmeb-2698	86	15	the	the	DET
ajbmeb-2698	86	16	internet	internet	NOUN
ajbmeb-2698	86	17	and	and	CCONJ
ajbmeb-2698	86	18	digital	digital	ADJ
ajbmeb-2698	86	19	financial	financial	ADJ
ajbmeb-2698	86	20	services	service	NOUN
ajbmeb-2698	86	21	.	.	PUNCT
ajbmeb-2698	87	1	this	this	PRON
ajbmeb-2698	87	2	reduces	reduce	VERB
ajbmeb-2698	87	3	their	their	PRON
ajbmeb-2698	87	4	interest	interest	NOUN
ajbmeb-2698	87	5	in	in	ADP
ajbmeb-2698	87	6	the	the	DET
ajbmeb-2698	87	7	digital	digital	ADJ
ajbmeb-2698	87	8	lending	lending	NOUN
ajbmeb-2698	87	9	process	process	NOUN
ajbmeb-2698	87	10	and	and	CCONJ
ajbmeb-2698	87	11	prevents	prevent	VERB
ajbmeb-2698	87	12	them	they	PRON
ajbmeb-2698	87	13	from	from	ADP
ajbmeb-2698	87	14	fully	fully	ADV
ajbmeb-2698	87	15	using	use	VERB
ajbmeb-2698	87	16	the	the	DET
ajbmeb-2698	87	17	services	service	NOUN
ajbmeb-2698	87	18	.	.	PUNCT
ajbmeb-2698	88	1	the	the	DET
ajbmeb-2698	88	2	sixth	sixth	ADJ
ajbmeb-2698	88	3	problem	problem	NOUN
ajbmeb-2698	88	4	is	be	AUX
ajbmeb-2698	88	5	financial	financial	ADJ
ajbmeb-2698	88	6	inclusion	inclusion	NOUN
ajbmeb-2698	88	7	problems	problem	NOUN
ajbmeb-2698	88	8	.	.	PUNCT
ajbmeb-2698	89	1	in	in	ADP
ajbmeb-2698	89	2	order	order	NOUN
ajbmeb-2698	89	3	to	to	PART
ajbmeb-2698	89	4	effectively	effectively	ADV
ajbmeb-2698	89	5	use	use	VERB
ajbmeb-2698	89	6	digital	digital	ADJ
ajbmeb-2698	89	7	technologies	technology	NOUN
ajbmeb-2698	89	8	,	,	PUNCT
ajbmeb-2698	89	9	everyone	everyone	PRON
ajbmeb-2698	89	10	should	should	AUX
ajbmeb-2698	89	11	have	have	VERB
ajbmeb-2698	89	12	the	the	DET
ajbmeb-2698	89	13	same	same	ADJ
ajbmeb-2698	89	14	access	access	NOUN
ajbmeb-2698	89	15	to	to	ADP
ajbmeb-2698	89	16	credit	credit	NOUN
ajbmeb-2698	89	17	.	.	PUNCT
ajbmeb-2698	90	1	however	however	ADV
ajbmeb-2698	90	2	,	,	PUNCT
ajbmeb-2698	90	3	some	some	DET
ajbmeb-2698	90	4	population	population	NOUN
ajbmeb-2698	90	5	groups	group	NOUN
ajbmeb-2698	90	6	in	in	ADP
ajbmeb-2698	90	7	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	90	8	,	,	PUNCT
ajbmeb-2698	90	9	including	include	VERB
ajbmeb-2698	90	10	low	low	ADJ
ajbmeb-2698	90	11	-	-	PUNCT
ajbmeb-2698	90	12	income	income	NOUN
ajbmeb-2698	90	13	and	and	CCONJ
ajbmeb-2698	90	14	remote	remote	ADJ
ajbmeb-2698	90	15	areas	area	NOUN
ajbmeb-2698	90	16	,	,	PUNCT
ajbmeb-2698	90	17	are	be	AUX
ajbmeb-2698	90	18	unable	unable	ADJ
ajbmeb-2698	90	19	to	to	PART
ajbmeb-2698	90	20	fully	fully	ADV
ajbmeb-2698	90	21	benefit	benefit	VERB
ajbmeb-2698	90	22	from	from	ADP
ajbmeb-2698	90	23	financial	financial	ADJ
ajbmeb-2698	90	24	inclusion	inclusion	NOUN
ajbmeb-2698	90	25	.	.	PUNCT
ajbmeb-2698	91	1	this	this	PRON
ajbmeb-2698	91	2	limits	limit	VERB
ajbmeb-2698	91	3	the	the	DET
ajbmeb-2698	91	4	possibilities	possibility	NOUN
ajbmeb-2698	91	5	of	of	ADP
ajbmeb-2698	91	6	digital	digital	ADJ
ajbmeb-2698	91	7	lending	lending	NOUN
ajbmeb-2698	91	8	.	.	PUNCT
ajbmeb-2698	92	1	the	the	DET
ajbmeb-2698	92	2	seventh	seventh	ADJ
ajbmeb-2698	92	3	problem	problem	NOUN
ajbmeb-2698	92	4	is	be	AUX
ajbmeb-2698	92	5	difficulties	difficulty	NOUN
ajbmeb-2698	92	6	in	in	ADP
ajbmeb-2698	92	7	introducing	introduce	VERB
ajbmeb-2698	92	8	blockchain	blockchain	PROPN
ajbmeb-2698	92	9	technologies	technology	NOUN
ajbmeb-2698	92	10	.	.	PUNCT
ajbmeb-2698	93	1	high	high	ADJ
ajbmeb-2698	93	2	-	-	PUNCT
ajbmeb-2698	93	3	level	level	NOUN
ajbmeb-2698	93	4	it	it	PRON
ajbmeb-2698	93	5	infrastructure	infrastructure	NOUN
ajbmeb-2698	93	6	and	and	CCONJ
ajbmeb-2698	93	7	specialists	specialist	NOUN
ajbmeb-2698	93	8	are	be	AUX
ajbmeb-2698	93	9	required	require	VERB
ajbmeb-2698	93	10	to	to	PART
ajbmeb-2698	93	11	implement	implement	VERB
ajbmeb-2698	93	12	the	the	DET
ajbmeb-2698	93	13	blockchain	blockchain	PROPN
ajbmeb-2698	93	14	system	system	NOUN
ajbmeb-2698	93	15	.	.	PUNCT
ajbmeb-2698	94	1	the	the	DET
ajbmeb-2698	94	2	lack	lack	NOUN
ajbmeb-2698	94	3	of	of	ADP
ajbmeb-2698	94	4	skilled	skilled	ADJ
ajbmeb-2698	94	5	personnel	personnel	NOUN
ajbmeb-2698	94	6	in	in	ADP
ajbmeb-2698	94	7	the	the	DET
ajbmeb-2698	94	8	field	field	NOUN
ajbmeb-2698	94	9	of	of	ADP
ajbmeb-2698	94	10	it	it	PRON
ajbmeb-2698	94	11	in	in	ADP
ajbmeb-2698	94	12	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	94	13	is	be	AUX
ajbmeb-2698	94	14	slowing	slow	VERB
ajbmeb-2698	94	15	down	down	ADP
ajbmeb-2698	94	16	the	the	DET
ajbmeb-2698	94	17	process	process	NOUN
ajbmeb-2698	94	18	of	of	ADP
ajbmeb-2698	94	19	introducing	introduce	VERB
ajbmeb-2698	94	20	blockchain	blockchain	PROPN
ajbmeb-2698	94	21	technology	technology	PROPN
ajbmeb-2698	94	22	.	.	PUNCT
ajbmeb-2698	95	1	at	at	ADP
ajbmeb-2698	95	2	the	the	DET
ajbmeb-2698	95	3	same	same	ADJ
ajbmeb-2698	95	4	time	time	NOUN
ajbmeb-2698	95	5	,	,	PUNCT
ajbmeb-2698	95	6	the	the	DET
ajbmeb-2698	95	7	high	high	ADJ
ajbmeb-2698	95	8	price	price	NOUN
ajbmeb-2698	95	9	of	of	ADP
ajbmeb-2698	95	10	the	the	DET
ajbmeb-2698	95	11	technology	technology	NOUN
ajbmeb-2698	95	12	limits	limit	VERB
ajbmeb-2698	95	13	its	its	PRON
ajbmeb-2698	95	14	implementation	implementation	NOUN
ajbmeb-2698	95	15	for	for	ADP
ajbmeb-2698	95	16	many	many	ADJ
ajbmeb-2698	95	17	banks	bank	NOUN
ajbmeb-2698	95	18	[	[	X
ajbmeb-2698	95	19	20	20	NUM
ajbmeb-2698	95	20	]	]	PUNCT
ajbmeb-2698	95	21	.	.	PUNCT
ajbmeb-2698	96	1	a	a	DET
ajbmeb-2698	96	2	complex	complex	ADJ
ajbmeb-2698	96	3	approach	approach	NOUN
ajbmeb-2698	96	4	is	be	AUX
ajbmeb-2698	96	5	required	require	VERB
ajbmeb-2698	96	6	to	to	PART
ajbmeb-2698	96	7	solve	solve	VERB
ajbmeb-2698	96	8	these	these	DET
ajbmeb-2698	96	9	problems	problem	NOUN
ajbmeb-2698	96	10	.	.	PUNCT
ajbmeb-2698	97	1	it	it	PRON
ajbmeb-2698	97	2	is	be	AUX
ajbmeb-2698	97	3	possible	possible	ADJ
ajbmeb-2698	97	4	to	to	PART
ajbmeb-2698	97	5	fully	fully	ADV
ajbmeb-2698	97	6	implement	implement	VERB
ajbmeb-2698	97	7	the	the	DET
ajbmeb-2698	97	8	digitalization	digitalization	NOUN
ajbmeb-2698	97	9	process	process	NOUN
ajbmeb-2698	97	10	by	by	ADP
ajbmeb-2698	97	11	improving	improve	VERB
ajbmeb-2698	97	12	the	the	DET
ajbmeb-2698	97	13	technological	technological	ADJ
ajbmeb-2698	97	14	infrastructure	infrastructure	NOUN
ajbmeb-2698	97	15	,	,	PUNCT
ajbmeb-2698	97	16	increasing	increase	VERB
ajbmeb-2698	97	17	the	the	DET
ajbmeb-2698	97	18	digital	digital	ADJ
ajbmeb-2698	97	19	literacy	literacy	NOUN
ajbmeb-2698	97	20	of	of	ADP
ajbmeb-2698	97	21	the	the	DET
ajbmeb-2698	97	22	population	population	NOUN
ajbmeb-2698	97	23	,	,	PUNCT
ajbmeb-2698	97	24	improving	improve	VERB
ajbmeb-2698	97	25	the	the	DET
ajbmeb-2698	97	26	legislation	legislation	NOUN
ajbmeb-2698	97	27	,	,	PUNCT
ajbmeb-2698	97	28	and	and	CCONJ
ajbmeb-2698	97	29	ensuring	ensure	VERB
ajbmeb-2698	97	30	cybersecurity	cybersecurity	NOUN
ajbmeb-2698	97	31	.	.	PUNCT
ajbmeb-2698	98	1	in	in	ADP
ajbmeb-2698	98	2	addition	addition	NOUN
ajbmeb-2698	98	3	,	,	PUNCT
ajbmeb-2698	98	4	it	it	PRON
ajbmeb-2698	98	5	is	be	AUX
ajbmeb-2698	98	6	necessary	necessary	ADJ
ajbmeb-2698	98	7	to	to	PART
ajbmeb-2698	98	8	strengthen	strengthen	VERB
ajbmeb-2698	98	9	cooperation	cooperation	NOUN
ajbmeb-2698	98	10	between	between	ADP
ajbmeb-2698	98	11	the	the	DET
ajbmeb-2698	98	12	public	public	ADJ
ajbmeb-2698	98	13	and	and	CCONJ
ajbmeb-2698	98	14	private	private	ADJ
ajbmeb-2698	98	15	sectors	sector	NOUN
ajbmeb-2698	98	16	,	,	PUNCT
ajbmeb-2698	98	17	train	train	NOUN
ajbmeb-2698	98	18	personnel	personnel	NOUN
ajbmeb-2698	98	19	in	in	ADP
ajbmeb-2698	98	20	the	the	DET
ajbmeb-2698	98	21	field	field	NOUN
ajbmeb-2698	98	22	of	of	ADP
ajbmeb-2698	98	23	it	it	PRON
ajbmeb-2698	98	24	,	,	PUNCT
ajbmeb-2698	98	25	and	and	CCONJ
ajbmeb-2698	98	26	attract	attract	VERB
ajbmeb-2698	98	27	investments	investment	NOUN
ajbmeb-2698	98	28	.	.	PUNCT
ajbmeb-2698	99	1	these	these	DET
ajbmeb-2698	99	2	measures	measure	NOUN
ajbmeb-2698	99	3	will	will	AUX
ajbmeb-2698	99	4	help	help	VERB
ajbmeb-2698	99	5	to	to	PART
ajbmeb-2698	99	6	increase	increase	VERB
ajbmeb-2698	99	7	the	the	DET
ajbmeb-2698	99	8	efficiency	efficiency	NOUN
ajbmeb-2698	99	9	of	of	ADP
ajbmeb-2698	99	10	the	the	DET
ajbmeb-2698	99	11	use	use	NOUN
ajbmeb-2698	99	12	of	of	ADP
ajbmeb-2698	99	13	digital	digital	ADJ
ajbmeb-2698	99	14	technologies	technology	NOUN
ajbmeb-2698	99	15	and	and	CCONJ
ajbmeb-2698	99	16	radically	radically	ADV
ajbmeb-2698	99	17	improve	improve	VERB
ajbmeb-2698	99	18	the	the	DET
ajbmeb-2698	99	19	process	process	NOUN
ajbmeb-2698	99	20	of	of	ADP
ajbmeb-2698	99	21	crediting	credit	VERB
ajbmeb-2698	99	22	individuals	individual	NOUN
ajbmeb-2698	99	23	.	.	PUNCT
ajbmeb-2698	100	1	conclusion	conclusion	NOUN
ajbmeb-2698	100	2	based	base	VERB
ajbmeb-2698	100	3	on	on	ADP
ajbmeb-2698	100	4	the	the	DET
ajbmeb-2698	100	5	research	research	NOUN
ajbmeb-2698	100	6	and	and	CCONJ
ajbmeb-2698	100	7	studies	study	NOUN
ajbmeb-2698	100	8	carried	carry	VERB
ajbmeb-2698	100	9	out	out	ADP
ajbmeb-2698	100	10	within	within	ADP
ajbmeb-2698	100	11	the	the	DET
ajbmeb-2698	100	12	scope	scope	NOUN
ajbmeb-2698	100	13	of	of	ADP
ajbmeb-2698	100	14	the	the	DET
ajbmeb-2698	100	15	digitization	digitization	NOUN
ajbmeb-2698	100	16	of	of	ADP
ajbmeb-2698	100	17	the	the	DET
ajbmeb-2698	100	18	crediting	crediting	NOUN
ajbmeb-2698	100	19	process	process	NOUN
ajbmeb-2698	100	20	of	of	ADP
ajbmeb-2698	100	21	natural	natural	ADJ
ajbmeb-2698	100	22	persons	person	NOUN
ajbmeb-2698	100	23	,	,	PUNCT
ajbmeb-2698	100	24	we	we	PRON
ajbmeb-2698	100	25	managed	manage	VERB
ajbmeb-2698	100	26	to	to	PART
ajbmeb-2698	100	27	form	form	VERB
ajbmeb-2698	100	28	the	the	DET
ajbmeb-2698	100	29	following	following	ADJ
ajbmeb-2698	100	30	conclusions	conclusion	NOUN
ajbmeb-2698	100	31	:	:	PUNCT
ajbmeb-2698	100	32	digitization	digitization	NOUN
ajbmeb-2698	100	33	of	of	ADP
ajbmeb-2698	100	34	the	the	DET
ajbmeb-2698	100	35	lending	lending	NOUN
ajbmeb-2698	100	36	process	process	NOUN
ajbmeb-2698	100	37	is	be	AUX
ajbmeb-2698	100	38	important	important	ADJ
ajbmeb-2698	100	39	in	in	ADP
ajbmeb-2698	100	40	increasing	increase	VERB
ajbmeb-2698	100	41	the	the	DET
ajbmeb-2698	100	42	competitiveness	competitiveness	NOUN
ajbmeb-2698	100	43	of	of	ADP
ajbmeb-2698	100	44	the	the	DET
ajbmeb-2698	100	45	banking	banking	NOUN
ajbmeb-2698	100	46	system	system	NOUN
ajbmeb-2698	100	47	of	of	ADP
ajbmeb-2698	100	48	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	100	49	and	and	CCONJ
ajbmeb-2698	100	50	creating	create	VERB
ajbmeb-2698	100	51	opportunities	opportunity	NOUN
ajbmeb-2698	100	52	for	for	ADP
ajbmeb-2698	100	53	wide	wide	ADJ
ajbmeb-2698	100	54	use	use	NOUN
ajbmeb-2698	100	55	of	of	ADP
ajbmeb-2698	100	56	financial	financial	ADJ
ajbmeb-2698	100	57	services	service	NOUN
ajbmeb-2698	100	58	.	.	PUNCT
ajbmeb-2698	101	1	this	this	DET
ajbmeb-2698	101	2	process	process	NOUN
ajbmeb-2698	101	3	helps	help	VERB
ajbmeb-2698	101	4	to	to	PART
ajbmeb-2698	101	5	make	make	VERB
ajbmeb-2698	101	6	banking	banking	NOUN
ajbmeb-2698	101	7	services	service	NOUN
ajbmeb-2698	101	8	fast	fast	ADJ
ajbmeb-2698	101	9	and	and	CCONJ
ajbmeb-2698	101	10	efficient	efficient	ADJ
ajbmeb-2698	101	11	,	,	PUNCT
ajbmeb-2698	101	12	creates	create	VERB
ajbmeb-2698	101	13	convenient	convenient	ADJ
ajbmeb-2698	101	14	conditions	condition	NOUN
ajbmeb-2698	101	15	for	for	ADP
ajbmeb-2698	101	16	clients	client	NOUN
ajbmeb-2698	101	17	,	,	PUNCT
ajbmeb-2698	101	18	and	and	CCONJ
ajbmeb-2698	101	19	allows	allow	VERB
ajbmeb-2698	101	20	for	for	ADP
ajbmeb-2698	101	21	the	the	DET
ajbmeb-2698	101	22	reduction	reduction	NOUN
ajbmeb-2698	101	23	of	of	ADP
ajbmeb-2698	101	24	the	the	DET
ajbmeb-2698	101	25	bank	bank	NOUN
ajbmeb-2698	101	26	's	's	PART
ajbmeb-2698	101	27	operational	operational	ADJ
ajbmeb-2698	101	28	costs	cost	NOUN
ajbmeb-2698	101	29	;	;	PUNCT
ajbmeb-2698	101	30	world	world	NOUN
ajbmeb-2698	101	31	experience	experience	NOUN
ajbmeb-2698	101	32	shows	show	VERB
ajbmeb-2698	101	33	that	that	SCONJ
ajbmeb-2698	101	34	digital	digital	ADJ
ajbmeb-2698	101	35	technologies	technology	NOUN
ajbmeb-2698	101	36	have	have	AUX
ajbmeb-2698	101	37	taken	take	VERB
ajbmeb-2698	101	38	the	the	DET
ajbmeb-2698	101	39	main	main	ADJ
ajbmeb-2698	101	40	place	place	NOUN
ajbmeb-2698	101	41	in	in	ADP
ajbmeb-2698	101	42	the	the	DET
ajbmeb-2698	101	43	lending	lending	NOUN
ajbmeb-2698	101	44	process	process	NOUN
ajbmeb-2698	101	45	in	in	ADP
ajbmeb-2698	101	46	developed	developed	ADJ
ajbmeb-2698	101	47	and	and	CCONJ
ajbmeb-2698	101	48	developing	develop	VERB
ajbmeb-2698	101	49	countries	country	NOUN
ajbmeb-2698	101	50	.	.	PUNCT
ajbmeb-2698	102	1	for	for	ADP
ajbmeb-2698	102	2	example	example	NOUN
ajbmeb-2698	102	3	,	,	PUNCT
ajbmeb-2698	102	4	in	in	ADP
ajbmeb-2698	102	5	china	china	PROPN
ajbmeb-2698	102	6	and	and	CCONJ
ajbmeb-2698	102	7	india	india	PROPN
ajbmeb-2698	102	8	,	,	PUNCT
ajbmeb-2698	102	9	70	70	NUM
ajbmeb-2698	102	10	-	-	SYM
ajbmeb-2698	102	11	75	75	NUM
ajbmeb-2698	102	12	%	%	NOUN
ajbmeb-2698	102	13	of	of	ADP
ajbmeb-2698	102	14	the	the	DET
ajbmeb-2698	102	15	lending	lending	NOUN
ajbmeb-2698	102	16	process	process	NOUN
ajbmeb-2698	102	17	is	be	AUX
ajbmeb-2698	102	18	carried	carry	VERB
ajbmeb-2698	102	19	out	out	ADP
ajbmeb-2698	102	20	through	through	ADP
ajbmeb-2698	102	21	digital	digital	ADJ
ajbmeb-2698	102	22	platforms	platform	NOUN
ajbmeb-2698	102	23	,	,	PUNCT
ajbmeb-2698	102	24	which	which	PRON
ajbmeb-2698	102	25	is	be	AUX
ajbmeb-2698	102	26	considered	consider	VERB
ajbmeb-2698	102	27	an	an	DET
ajbmeb-2698	102	28	important	important	ADJ
ajbmeb-2698	102	29	factor	factor	NOUN
ajbmeb-2698	102	30	in	in	ADP
ajbmeb-2698	102	31	increasing	increase	VERB
ajbmeb-2698	102	32	the	the	DET
ajbmeb-2698	102	33	efficiency	efficiency	NOUN
ajbmeb-2698	102	34	of	of	ADP
ajbmeb-2698	102	35	banking	banking	NOUN
ajbmeb-2698	102	36	activities	activity	NOUN
ajbmeb-2698	102	37	;	;	PUNCT
ajbmeb-2698	102	38	in	in	ADP
ajbmeb-2698	102	39	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	102	40	,	,	PUNCT
ajbmeb-2698	102	41	the	the	DET
ajbmeb-2698	102	42	digital	digital	ADJ
ajbmeb-2698	102	43	lending	lending	NOUN
ajbmeb-2698	102	44	system	system	NOUN
ajbmeb-2698	102	45	is	be	AUX
ajbmeb-2698	102	46	in	in	ADP
ajbmeb-2698	102	47	the	the	DET
ajbmeb-2698	102	48	process	process	NOUN
ajbmeb-2698	102	49	of	of	ADP
ajbmeb-2698	102	50	development	development	NOUN
ajbmeb-2698	102	51	,	,	PUNCT
ajbmeb-2698	102	52	and	and	CCONJ
ajbmeb-2698	102	53	its	its	PRON
ajbmeb-2698	102	54	share	share	NOUN
ajbmeb-2698	102	55	is	be	AUX
ajbmeb-2698	102	56	currently	currently	ADV
ajbmeb-2698	102	57	30	30	NUM
ajbmeb-2698	102	58	%	%	NOUN
ajbmeb-2698	102	59	.	.	PUNCT
ajbmeb-2698	103	1	at	at	ADP
ajbmeb-2698	103	2	the	the	DET
ajbmeb-2698	103	3	same	same	ADJ
ajbmeb-2698	103	4	time	time	NOUN
ajbmeb-2698	103	5	,	,	PUNCT
ajbmeb-2698	103	6	the	the	DET
ajbmeb-2698	103	7	15	15	NUM
ajbmeb-2698	103	8	%	%	NOUN
ajbmeb-2698	103	9	annual	annual	ADJ
ajbmeb-2698	103	10	growth	growth	NOUN
ajbmeb-2698	103	11	rate	rate	NOUN
ajbmeb-2698	103	12	shows	show	VERB
ajbmeb-2698	103	13	the	the	DET
ajbmeb-2698	103	14	development	development	NOUN
ajbmeb-2698	103	15	of	of	ADP
ajbmeb-2698	103	16	the	the	DET
ajbmeb-2698	103	17	digital	digital	ADJ
ajbmeb-2698	103	18	infrastructure	infrastructure	NOUN
ajbmeb-2698	103	19	in	in	ADP
ajbmeb-2698	103	20	the	the	DET
ajbmeb-2698	103	21	country	country	NOUN
ajbmeb-2698	103	22	.	.	PUNCT
ajbmeb-2698	104	1	it	it	PRON
ajbmeb-2698	104	2	is	be	AUX
ajbmeb-2698	104	3	possible	possible	ADJ
ajbmeb-2698	104	4	to	to	PART
ajbmeb-2698	104	5	increase	increase	VERB
ajbmeb-2698	104	6	this	this	DET
ajbmeb-2698	104	7	share	share	NOUN
ajbmeb-2698	104	8	through	through	ADP
ajbmeb-2698	104	9	the	the	DET
ajbmeb-2698	104	10	wider	wide	ADJ
ajbmeb-2698	104	11	introduction	introduction	NOUN
ajbmeb-2698	104	12	of	of	ADP
ajbmeb-2698	104	13	electronic	electronic	ADJ
ajbmeb-2698	104	14	payment	payment	NOUN
ajbmeb-2698	104	15	american	american	PROPN
ajbmeb-2698	104	16	journal	journal	PROPN
ajbmeb-2698	104	17	of	of	ADP
ajbmeb-2698	104	18	business	business	NOUN
ajbmeb-2698	104	19	management	management	NOUN
ajbmeb-2698	104	20	,	,	PUNCT
ajbmeb-2698	104	21	economics	economic	NOUN
ajbmeb-2698	104	22	and	and	CCONJ
ajbmeb-2698	104	23	banking	banking	NOUN
ajbmeb-2698	104	24	volume	volume	NOUN
ajbmeb-2698	104	25	33	33	NUM
ajbmeb-2698	104	26	february	february	NOUN
ajbmeb-2698	104	27	2025	2025	NUM
ajbmeb-2698	104	28	p	p	NOUN
ajbmeb-2698	104	29	a	a	DET
ajbmeb-2698	104	30	g	g	NOUN
ajbmeb-2698	104	31	e	e	NOUN
ajbmeb-2698	104	32	|	|	ADV
ajbmeb-2698	104	33	34	34	NUM
ajbmeb-2698	104	34	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2698	104	35	systems	system	NOUN
ajbmeb-2698	104	36	and	and	CCONJ
ajbmeb-2698	104	37	mobile	mobile	NOUN
ajbmeb-2698	104	38	banking	banking	NOUN
ajbmeb-2698	104	39	services	service	NOUN
ajbmeb-2698	104	40	;	;	PUNCT
ajbmeb-2698	104	41	to	to	PART
ajbmeb-2698	104	42	accelerate	accelerate	VERB
ajbmeb-2698	104	43	the	the	DET
ajbmeb-2698	104	44	process	process	NOUN
ajbmeb-2698	104	45	of	of	ADP
ajbmeb-2698	104	46	digitization	digitization	NOUN
ajbmeb-2698	104	47	,	,	PUNCT
ajbmeb-2698	104	48	it	it	PRON
ajbmeb-2698	104	49	is	be	AUX
ajbmeb-2698	104	50	necessary	necessary	ADJ
ajbmeb-2698	104	51	to	to	PART
ajbmeb-2698	104	52	increase	increase	VERB
ajbmeb-2698	104	53	the	the	DET
ajbmeb-2698	104	54	digital	digital	ADJ
ajbmeb-2698	104	55	literacy	literacy	NOUN
ajbmeb-2698	104	56	of	of	ADP
ajbmeb-2698	104	57	the	the	DET
ajbmeb-2698	104	58	population	population	NOUN
ajbmeb-2698	104	59	and	and	CCONJ
ajbmeb-2698	104	60	strengthen	strengthen	VERB
ajbmeb-2698	104	61	financial	financial	ADJ
ajbmeb-2698	104	62	inclusion	inclusion	NOUN
ajbmeb-2698	104	63	.	.	PUNCT
ajbmeb-2698	105	1	currently	currently	ADV
ajbmeb-2698	105	2	,	,	PUNCT
ajbmeb-2698	105	3	the	the	DET
ajbmeb-2698	105	4	low	low	ADJ
ajbmeb-2698	105	5	-	-	PUNCT
ajbmeb-2698	105	6	income	income	NOUN
ajbmeb-2698	105	7	population	population	NOUN
ajbmeb-2698	105	8	and	and	CCONJ
ajbmeb-2698	105	9	citizens	citizen	NOUN
ajbmeb-2698	105	10	living	live	VERB
ajbmeb-2698	105	11	in	in	ADP
ajbmeb-2698	105	12	remote	remote	ADJ
ajbmeb-2698	105	13	areas	area	NOUN
ajbmeb-2698	105	14	can	can	AUX
ajbmeb-2698	105	15	not	not	PART
ajbmeb-2698	105	16	fully	fully	ADV
ajbmeb-2698	105	17	use	use	VERB
ajbmeb-2698	105	18	digital	digital	ADJ
ajbmeb-2698	105	19	crediting	crediting	NOUN
ajbmeb-2698	105	20	opportunities	opportunity	NOUN
ajbmeb-2698	105	21	.	.	PUNCT
ajbmeb-2698	106	1	by	by	ADP
ajbmeb-2698	106	2	solving	solve	VERB
ajbmeb-2698	106	3	these	these	DET
ajbmeb-2698	106	4	issues	issue	NOUN
ajbmeb-2698	106	5	,	,	PUNCT
ajbmeb-2698	106	6	it	it	PRON
ajbmeb-2698	106	7	is	be	AUX
ajbmeb-2698	106	8	possible	possible	ADJ
ajbmeb-2698	106	9	to	to	PART
ajbmeb-2698	106	10	expand	expand	VERB
ajbmeb-2698	106	11	the	the	DET
ajbmeb-2698	106	12	coverage	coverage	NOUN
ajbmeb-2698	106	13	of	of	ADP
ajbmeb-2698	106	14	digital	digital	ADJ
ajbmeb-2698	106	15	services	service	NOUN
ajbmeb-2698	106	16	in	in	ADP
ajbmeb-2698	106	17	the	the	DET
ajbmeb-2698	106	18	banking	banking	NOUN
ajbmeb-2698	106	19	system	system	NOUN
ajbmeb-2698	106	20	and	and	CCONJ
ajbmeb-2698	106	21	further	far	ADV
ajbmeb-2698	106	22	develop	develop	VERB
ajbmeb-2698	106	23	the	the	DET
ajbmeb-2698	106	24	economy	economy	NOUN
ajbmeb-2698	106	25	.	.	PUNCT
ajbmeb-2698	107	1	in	in	ADP
ajbmeb-2698	107	2	short	short	ADJ
ajbmeb-2698	107	3	,	,	PUNCT
ajbmeb-2698	107	4	the	the	DET
ajbmeb-2698	107	5	digitization	digitization	NOUN
ajbmeb-2698	107	6	of	of	ADP
ajbmeb-2698	107	7	the	the	DET
ajbmeb-2698	107	8	crediting	crediting	NOUN
ajbmeb-2698	107	9	process	process	NOUN
ajbmeb-2698	107	10	will	will	AUX
ajbmeb-2698	107	11	increase	increase	VERB
ajbmeb-2698	107	12	the	the	DET
ajbmeb-2698	107	13	competitiveness	competitiveness	NOUN
ajbmeb-2698	107	14	of	of	ADP
ajbmeb-2698	107	15	the	the	DET
ajbmeb-2698	107	16	banking	banking	NOUN
ajbmeb-2698	107	17	system	system	NOUN
ajbmeb-2698	107	18	of	of	ADP
ajbmeb-2698	107	19	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	107	20	,	,	PUNCT
ajbmeb-2698	107	21	make	make	VERB
ajbmeb-2698	107	22	financial	financial	ADJ
ajbmeb-2698	107	23	services	service	NOUN
ajbmeb-2698	107	24	faster	fast	ADV
ajbmeb-2698	107	25	and	and	CCONJ
ajbmeb-2698	107	26	more	more	ADV
ajbmeb-2698	107	27	efficient	efficient	ADJ
ajbmeb-2698	107	28	,	,	PUNCT
ajbmeb-2698	107	29	reduce	reduce	VERB
ajbmeb-2698	107	30	operational	operational	ADJ
ajbmeb-2698	107	31	costs	cost	NOUN
ajbmeb-2698	107	32	,	,	PUNCT
ajbmeb-2698	107	33	provide	provide	VERB
ajbmeb-2698	107	34	the	the	DET
ajbmeb-2698	107	35	opportunity	opportunity	NOUN
ajbmeb-2698	107	36	for	for	ADP
ajbmeb-2698	107	37	crediting	credit	VERB
ajbmeb-2698	107	38	to	to	ADP
ajbmeb-2698	107	39	wide	wide	ADJ
ajbmeb-2698	107	40	segments	segment	NOUN
ajbmeb-2698	107	41	of	of	ADP
ajbmeb-2698	107	42	the	the	DET
ajbmeb-2698	107	43	population	population	NOUN
ajbmeb-2698	107	44	,	,	PUNCT
ajbmeb-2698	107	45	reduce	reduce	VERB
ajbmeb-2698	107	46	the	the	DET
ajbmeb-2698	107	47	level	level	NOUN
ajbmeb-2698	107	48	of	of	ADP
ajbmeb-2698	107	49	poverty	poverty	NOUN
ajbmeb-2698	107	50	in	in	ADP
ajbmeb-2698	107	51	society	society	NOUN
ajbmeb-2698	107	52	,	,	PUNCT
ajbmeb-2698	107	53	and	and	CCONJ
ajbmeb-2698	107	54	further	far	ADV
ajbmeb-2698	107	55	improve	improve	VERB
ajbmeb-2698	107	56	the	the	DET
ajbmeb-2698	107	57	standard	standard	NOUN
ajbmeb-2698	107	58	of	of	ADP
ajbmeb-2698	107	59	living	living	NOUN
ajbmeb-2698	107	60	of	of	ADP
ajbmeb-2698	107	61	the	the	DET
ajbmeb-2698	107	62	population	population	NOUN
ajbmeb-2698	107	63	.	.	PUNCT
ajbmeb-2698	108	1	references	reference	NOUN
ajbmeb-2698	108	2	1	1	NUM
ajbmeb-2698	108	3	.	.	PUNCT
ajbmeb-2698	108	4	president	president	NOUN
ajbmeb-2698	108	5	of	of	ADP
ajbmeb-2698	108	6	the	the	DET
ajbmeb-2698	108	7	republic	republic	NOUN
ajbmeb-2698	108	8	of	of	ADP
ajbmeb-2698	108	9	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	108	10	.	.	PUNCT
ajbmeb-2698	109	1	(	(	PUNCT
ajbmeb-2698	109	2	2023	2023	NUM
ajbmeb-2698	109	3	)	)	PUNCT
ajbmeb-2698	109	4	.	.	PUNCT
ajbmeb-2698	110	1	"	"	PUNCT
ajbmeb-2698	110	2	uzbekistan	uzbekistan	NOUN
ajbmeb-2698	110	3	2030	2030	NUM
ajbmeb-2698	110	4	"	"	PUNCT
ajbmeb-2698	110	5	strategy	strategy	NOUN
ajbmeb-2698	110	6	.	.	PUNCT
ajbmeb-2698	111	1	lex.uz	lex.uz	ADJ
ajbmeb-2698	111	2	.	.	PUNCT
ajbmeb-2698	112	1	2	2	NUM
ajbmeb-2698	112	2	.	.	X
ajbmeb-2698	112	3	central	central	ADJ
ajbmeb-2698	112	4	bank	bank	PROPN
ajbmeb-2698	112	5	of	of	ADP
ajbmeb-2698	112	6	the	the	DET
ajbmeb-2698	112	7	republic	republic	NOUN
ajbmeb-2698	112	8	of	of	ADP
ajbmeb-2698	112	9	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	112	10	.	.	PUNCT
ajbmeb-2698	113	1	(	(	PUNCT
ajbmeb-2698	113	2	2021	2021	NUM
ajbmeb-2698	113	3	)	)	PUNCT
ajbmeb-2698	113	4	.	.	PUNCT
ajbmeb-2698	114	1	"	"	PUNCT
ajbmeb-2698	114	2	the	the	DET
ajbmeb-2698	114	3	volume	volume	NOUN
ajbmeb-2698	114	4	of	of	ADP
ajbmeb-2698	114	5	loans	loan	NOUN
ajbmeb-2698	114	6	has	have	AUX
ajbmeb-2698	114	7	increased	increase	VERB
ajbmeb-2698	114	8	5.4	5.4	NUM
ajbmeb-2698	114	9	times	time	NOUN
ajbmeb-2698	114	10	"	"	PUNCT
ajbmeb-2698	114	11	.	.	PUNCT
ajbmeb-2698	115	1	gazeta.uz	gazeta.uz	NUM
ajbmeb-2698	115	2	.	.	NOUN
ajbmeb-2698	116	1	3	3	X
ajbmeb-2698	116	2	.	.	X
ajbmeb-2698	116	3	president	president	NOUN
ajbmeb-2698	116	4	of	of	ADP
ajbmeb-2698	116	5	the	the	DET
ajbmeb-2698	116	6	republic	republic	NOUN
ajbmeb-2698	116	7	of	of	ADP
ajbmeb-2698	116	8	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	116	9	.	.	PUNCT
ajbmeb-2698	117	1	(	(	PUNCT
ajbmeb-2698	117	2	2024	2024	NUM
ajbmeb-2698	117	3	)	)	PUNCT
ajbmeb-2698	117	4	.	.	PUNCT
ajbmeb-2698	118	1	resolution	resolution	NOUN
ajbmeb-2698	118	2	no	no	NOUN
ajbmeb-2698	118	3	.	.	NOUN
ajbmeb-2698	118	4	3492	3492	NUM
ajbmeb-2698	118	5	new	new	ADJ
ajbmeb-2698	118	6	procedures	procedure	NOUN
ajbmeb-2698	118	7	for	for	ADP
ajbmeb-2698	118	8	banks	bank	NOUN
ajbmeb-2698	118	9	and	and	CCONJ
ajbmeb-2698	118	10	non	non	ADJ
ajbmeb-2698	118	11	-	-	ADJ
ajbmeb-2698	118	12	bank	bank	ADJ
ajbmeb-2698	118	13	credit	credit	NOUN
ajbmeb-2698	118	14	organizations	organization	NOUN
ajbmeb-2698	118	15	.	.	PUNCT
ajbmeb-2698	119	1	lex.uz	lex.uz	ADJ
ajbmeb-2698	119	2	.	.	PUNCT
ajbmeb-2698	120	1	4	4	NUM
ajbmeb-2698	120	2	.	.	NOUN
ajbmeb-2698	120	3	decree	decree	NOUN
ajbmeb-2698	120	4	of	of	ADP
ajbmeb-2698	120	5	the	the	DET
ajbmeb-2698	120	6	president	president	NOUN
ajbmeb-2698	120	7	of	of	ADP
ajbmeb-2698	120	8	the	the	DET
ajbmeb-2698	120	9	republic	republic	NOUN
ajbmeb-2698	120	10	of	of	ADP
ajbmeb-2698	120	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	120	12	dated	date	VERB
ajbmeb-2698	120	13	march	march	PROPN
ajbmeb-2698	120	14	2	2	NUM
ajbmeb-2698	120	15	,	,	PUNCT
ajbmeb-2698	120	16	2020	2020	NUM
ajbmeb-2698	120	17	no	no	INTJ
ajbmeb-2698	121	1	.	.	PUNCT
ajbmeb-2698	121	2	pf-5953	pf-5953	ADV
ajbmeb-2698	121	3	.	.	PUNCT
ajbmeb-2698	122	1	(	(	PUNCT
ajbmeb-2698	122	2	https://adu.uz/fayl/2020/05/	https://adu.uz/fayl/2020/05/	NOUN
ajbmeb-2698	122	3	)	)	PUNCT
ajbmeb-2698	122	4	5	5	NUM
ajbmeb-2698	122	5	.	.	PUNCT
ajbmeb-2698	122	6	results	result	NOUN
ajbmeb-2698	122	7	of	of	ADP
ajbmeb-2698	122	8	the	the	DET
ajbmeb-2698	122	9	research	research	NOUN
ajbmeb-2698	122	10	"	"	PUNCT
ajbmeb-2698	122	11	analysis	analysis	NOUN
ajbmeb-2698	122	12	of	of	ADP
ajbmeb-2698	122	13	islamic	islamic	ADJ
ajbmeb-2698	122	14	financing	financing	NOUN
ajbmeb-2698	122	15	tools	tool	NOUN
ajbmeb-2698	122	16	in	in	ADP
ajbmeb-2698	122	17	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	122	18	"	"	PUNCT
ajbmeb-2698	122	19	.	.	PUNCT
ajbmeb-2698	123	1	(	(	PUNCT
ajbmeb-2698	123	2	https://bfa.uz/files	https://bfa.uz/file	NOUN
ajbmeb-2698	123	3	)	)	PUNCT
ajbmeb-2698	123	4	6	6	NUM
ajbmeb-2698	123	5	.	.	PUNCT
ajbmeb-2698	123	6	khusanova	khusanova	PROPN
ajbmeb-2698	123	7	zulfia	zulfia	PROPN
ajbmeb-2698	123	8	rahmatullaevna	rahmatullaevna	NOUN
ajbmeb-2698	123	9	.	.	PUNCT
ajbmeb-2698	124	1	"	"	PUNCT
ajbmeb-2698	124	2	mechanisms	mechanism	NOUN
ajbmeb-2698	124	3	for	for	ADP
ajbmeb-2698	124	4	supporting	support	VERB
ajbmeb-2698	124	5	and	and	CCONJ
ajbmeb-2698	124	6	developing	develop	VERB
ajbmeb-2698	124	7	women	woman	NOUN
ajbmeb-2698	124	8	's	's	PART
ajbmeb-2698	124	9	entrepreneurship	entrepreneurship	NOUN
ajbmeb-2698	124	10	"	"	PUNCT
ajbmeb-2698	124	11	.	.	PUNCT
ajbmeb-2698	125	1	(	(	PUNCT
ajbmeb-2698	125	2	https://adu.uz/fayl/2020/05	https://adu.uz/fayl/2020/05	SYM
ajbmeb-2698	125	3	)	)	PUNCT
ajbmeb-2698	125	4	7	7	NUM
ajbmeb-2698	125	5	.	.	PUNCT
ajbmeb-2698	125	6	muminova	muminova	PROPN
ajbmeb-2698	126	1	e.a	e.a	PROPN
ajbmeb-2698	126	2	.	.	PROPN
ajbmeb-2698	126	3	and	and	CCONJ
ajbmeb-2698	126	4	khamdamova	khamdamova	PROPN
ajbmeb-2698	126	5	u.o	u.o	PROPN
ajbmeb-2698	126	6	.	.	PUNCT
ajbmeb-2698	127	1	"	"	PUNCT
ajbmeb-2698	127	2	prospects	prospect	NOUN
ajbmeb-2698	127	3	of	of	ADP
ajbmeb-2698	127	4	using	use	VERB
ajbmeb-2698	127	5	blockchain	blockchain	PROPN
ajbmeb-2698	127	6	technologies	technology	NOUN
ajbmeb-2698	127	7	in	in	ADP
ajbmeb-2698	127	8	the	the	DET
ajbmeb-2698	127	9	digitization	digitization	NOUN
ajbmeb-2698	127	10	of	of	ADP
ajbmeb-2698	127	11	the	the	DET
ajbmeb-2698	127	12	innovative	innovative	ADJ
ajbmeb-2698	127	13	economy	economy	NOUN
ajbmeb-2698	127	14	"	"	PUNCT
ajbmeb-2698	127	15	.	.	PUNCT
ajbmeb-2698	128	1	(	(	PUNCT
ajbmeb-2698	128	2	https://adu.uz/fayl/2020/05	https://adu.uz/fayl/2020/05	X
ajbmeb-2698	128	3	)	)	PUNCT
ajbmeb-2698	128	4	8	8	NUM
ajbmeb-2698	128	5	.	.	PUNCT
ajbmeb-2698	129	1	russia	russia	PROPN
ajbmeb-2698	129	2	:	:	PUNCT
ajbmeb-2698	129	3	central	central	ADJ
ajbmeb-2698	129	4	bank	bank	PROPN
ajbmeb-2698	129	5	of	of	ADP
ajbmeb-2698	129	6	russia	russia	PROPN
ajbmeb-2698	129	7	report	report	NOUN
ajbmeb-2698	129	8	on	on	ADP
ajbmeb-2698	129	9	digitalization	digitalization	NOUN
ajbmeb-2698	129	10	of	of	ADP
ajbmeb-2698	129	11	banking	banking	NOUN
ajbmeb-2698	129	12	services	service	NOUN
ajbmeb-2698	129	13	in	in	ADP
ajbmeb-2698	129	14	russia	russia	PROPN
ajbmeb-2698	129	15	.	.	PUNCT
ajbmeb-2698	130	1	www.cbr.ru	www.cbr.ru	VERB
ajbmeb-2698	130	2	9	9	NUM
ajbmeb-2698	130	3	.	.	PUNCT
ajbmeb-2698	131	1	kazakhstan	kazakhstan	PROPN
ajbmeb-2698	131	2	:	:	PUNCT
ajbmeb-2698	131	3	national	national	PROPN
ajbmeb-2698	131	4	bank	bank	PROPN
ajbmeb-2698	131	5	of	of	ADP
ajbmeb-2698	131	6	kazakhstan	kazakhstan	PROPN
ajbmeb-2698	131	7	introduction	introduction	NOUN
ajbmeb-2698	131	8	of	of	ADP
ajbmeb-2698	131	9	financial	financial	ADJ
ajbmeb-2698	131	10	inclusion	inclusion	NOUN
ajbmeb-2698	131	11	and	and	CCONJ
ajbmeb-2698	131	12	digital	digital	ADJ
ajbmeb-2698	131	13	technologies	technology	NOUN
ajbmeb-2698	131	14	in	in	ADP
ajbmeb-2698	131	15	kazakhstan	kazakhstan	PROPN
ajbmeb-2698	131	16	.	.	PUNCT
ajbmeb-2698	132	1	www.nationalbank.kz	www.nationalbank.kz	PROPN
ajbmeb-2698	132	2	10	10	NUM
ajbmeb-2698	132	3	.	.	PUNCT
ajbmeb-2698	133	1	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	133	2	:	:	PUNCT
ajbmeb-2698	133	3	central	central	ADJ
ajbmeb-2698	133	4	bank	bank	NOUN
ajbmeb-2698	133	5	of	of	ADP
ajbmeb-2698	133	6	the	the	DET
ajbmeb-2698	133	7	republic	republic	NOUN
ajbmeb-2698	133	8	of	of	ADP
ajbmeb-2698	133	9	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	133	10	annual	annual	ADJ
ajbmeb-2698	133	11	reports	report	NOUN
ajbmeb-2698	133	12	on	on	ADP
ajbmeb-2698	133	13	lending	lending	NOUN
ajbmeb-2698	133	14	and	and	CCONJ
ajbmeb-2698	133	15	digital	digital	ADJ
ajbmeb-2698	133	16	banking	banking	NOUN
ajbmeb-2698	133	17	services	service	NOUN
ajbmeb-2698	133	18	.	.	PUNCT
ajbmeb-2698	134	1	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2698	134	2	11	11	NUM
ajbmeb-2698	134	3	.	.	PUNCT
ajbmeb-2698	135	1	kyrgyzstan	kyrgyzstan	PROPN
ajbmeb-2698	135	2	:	:	PUNCT
ajbmeb-2698	135	3	national	national	PROPN
ajbmeb-2698	135	4	bank	bank	PROPN
ajbmeb-2698	135	5	of	of	ADP
ajbmeb-2698	135	6	kyrgyzstan	kyrgyzstan	PROPN
ajbmeb-2698	135	7	development	development	NOUN
ajbmeb-2698	135	8	of	of	ADP
ajbmeb-2698	135	9	digital	digital	ADJ
ajbmeb-2698	135	10	financial	financial	ADJ
ajbmeb-2698	135	11	services	service	NOUN
ajbmeb-2698	135	12	in	in	ADP
ajbmeb-2698	135	13	kyrgyzstan	kyrgyzstan	PROPN
ajbmeb-2698	135	14	.	.	PUNCT
ajbmeb-2698	136	1	www.nbkr.kg	www.nbkr.kg	ADV
ajbmeb-2698	136	2	12	12	NUM
ajbmeb-2698	136	3	.	.	PUNCT
ajbmeb-2698	136	4	world	world	PROPN
ajbmeb-2698	136	5	bank	bank	PROPN
ajbmeb-2698	136	6	:	:	PUNCT
ajbmeb-2698	136	7	reports	report	NOUN
ajbmeb-2698	136	8	on	on	ADP
ajbmeb-2698	136	9	financial	financial	ADJ
ajbmeb-2698	136	10	inclusion	inclusion	NOUN
ajbmeb-2698	136	11	in	in	ADP
ajbmeb-2698	136	12	the	the	DET
ajbmeb-2698	136	13	cis	cis	NOUN
ajbmeb-2698	136	14	region	region	NOUN
ajbmeb-2698	136	15	.	.	PUNCT
ajbmeb-2698	137	1	www.worldbank.org	www.worldbank.org	NOUN
ajbmeb-2698	137	2	13	13	NUM
ajbmeb-2698	137	3	.	.	PUNCT
ajbmeb-2698	138	1	ministry	ministry	PROPN
ajbmeb-2698	138	2	of	of	ADP
ajbmeb-2698	138	3	development	development	NOUN
ajbmeb-2698	138	4	of	of	ADP
ajbmeb-2698	138	5	information	information	NOUN
ajbmeb-2698	138	6	technologies	technology	NOUN
ajbmeb-2698	138	7	and	and	CCONJ
ajbmeb-2698	138	8	communications	communication	NOUN
ajbmeb-2698	138	9	of	of	ADP
ajbmeb-2698	138	10	the	the	DET
ajbmeb-2698	138	11	republic	republic	NOUN
ajbmeb-2698	138	12	of	of	ADP
ajbmeb-2698	138	13	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	138	14	.	.	PUNCT
ajbmeb-2698	139	1	"	"	PUNCT
ajbmeb-2698	139	2	information	information	NOUN
ajbmeb-2698	139	3	about	about	ADP
ajbmeb-2698	139	4	internet	internet	NOUN
ajbmeb-2698	139	5	coverage	coverage	NOUN
ajbmeb-2698	139	6	and	and	CCONJ
ajbmeb-2698	139	7	its	its	PRON
ajbmeb-2698	139	8	development	development	NOUN
ajbmeb-2698	139	9	in	in	ADP
ajbmeb-2698	139	10	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	139	11	"	"	PUNCT
ajbmeb-2698	139	12	.	.	PUNCT
ajbmeb-2698	140	1	www.mitc.uz	www.mitc.uz	NOUN
ajbmeb-2698	140	2	(	(	PUNCT
ajbmeb-2698	140	3	2020	2020	NUM
ajbmeb-2698	140	4	)	)	PUNCT
ajbmeb-2698	140	5	.	.	PUNCT
ajbmeb-2698	141	1	14	14	NUM
ajbmeb-2698	141	2	.	.	PUNCT
ajbmeb-2698	142	1	central	central	ADJ
ajbmeb-2698	142	2	bank	bank	PROPN
ajbmeb-2698	142	3	of	of	ADP
ajbmeb-2698	142	4	the	the	DET
ajbmeb-2698	142	5	republic	republic	NOUN
ajbmeb-2698	142	6	of	of	ADP
ajbmeb-2698	142	7	uzbekistan	uzbekistan	PROPN
ajbmeb-2698	142	8	.	.	PUNCT
ajbmeb-2698	143	1	"	"	PUNCT
ajbmeb-2698	143	2	report	report	NOUN
ajbmeb-2698	143	3	on	on	ADP
ajbmeb-2698	143	4	financial	financial	ADJ
ajbmeb-2698	143	5	indicators	indicator	NOUN
ajbmeb-2698	143	6	of	of	ADP
ajbmeb-2698	143	7	commercial	commercial	ADJ
ajbmeb-2698	143	8	banks	bank	NOUN
ajbmeb-2698	143	9	"	"	PUNCT
ajbmeb-2698	143	10	.	.	PUNCT
ajbmeb-2698	144	1	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2698	144	2	(	(	PUNCT
ajbmeb-2698	144	3	2024	2024	NUM
ajbmeb-2698	144	4	)	)	PUNCT
ajbmeb-2698	144	5	.	.	PUNCT
ajbmeb-2698	145	1	15	15	NUM
ajbmeb-2698	145	2	.	.	PUNCT
ajbmeb-2698	145	3	world	world	PROPN
ajbmeb-2698	145	4	bank	bank	PROPN
ajbmeb-2698	145	5	:	:	PUNCT
ajbmeb-2698	145	6	reports	report	NOUN
ajbmeb-2698	145	7	on	on	ADP
ajbmeb-2698	145	8	the	the	DET
ajbmeb-2698	145	9	development	development	NOUN
ajbmeb-2698	145	10	of	of	ADP
ajbmeb-2698	145	11	digital	digital	ADJ
ajbmeb-2698	145	12	financial	financial	ADJ
ajbmeb-2698	145	13	services	service	NOUN
ajbmeb-2698	145	14	.	.	PUNCT
ajbmeb-2698	146	1	www.worldbank.org	www.worldbank.org	NOUN
ajbmeb-2698	146	2	16	16	NUM
ajbmeb-2698	146	3	.	.	PUNCT
ajbmeb-2698	147	1	mckinsey	mckinsey	PROPN
ajbmeb-2698	147	2	&	&	CCONJ
ajbmeb-2698	147	3	company	company	PROPN
ajbmeb-2698	147	4	:	:	PUNCT
ajbmeb-2698	147	5	research	research	NOUN
ajbmeb-2698	147	6	on	on	ADP
ajbmeb-2698	147	7	the	the	DET
ajbmeb-2698	147	8	role	role	NOUN
ajbmeb-2698	147	9	of	of	ADP
ajbmeb-2698	147	10	fintech	fintech	NOUN
ajbmeb-2698	147	11	and	and	CCONJ
ajbmeb-2698	147	12	digital	digital	ADJ
ajbmeb-2698	147	13	technologies	technology	NOUN
ajbmeb-2698	147	14	in	in	ADP
ajbmeb-2698	147	15	the	the	DET
ajbmeb-2698	147	16	field	field	NOUN
ajbmeb-2698	147	17	of	of	ADP
ajbmeb-2698	147	18	lending	lending	NOUN
ajbmeb-2698	147	19	.	.	PUNCT
ajbmeb-2698	148	1	www.mckinsey.com	www.mckinsey.com	X
ajbmeb-2698	148	2	17	17	NUM
ajbmeb-2698	148	3	.	.	PUNCT
ajbmeb-2698	149	1	deloitte	deloitte	PROPN
ajbmeb-2698	149	2	insights	insight	NOUN
ajbmeb-2698	149	3	:	:	PUNCT
ajbmeb-2698	149	4	the	the	DET
ajbmeb-2698	149	5	development	development	NOUN
ajbmeb-2698	149	6	of	of	ADP
ajbmeb-2698	149	7	digital	digital	ADJ
ajbmeb-2698	149	8	financial	financial	ADJ
ajbmeb-2698	149	9	services	service	NOUN
ajbmeb-2698	149	10	and	and	CCONJ
ajbmeb-2698	149	11	its	its	PRON
ajbmeb-2698	149	12	impact	impact	NOUN
ajbmeb-2698	149	13	on	on	ADP
ajbmeb-2698	149	14	the	the	DET
ajbmeb-2698	149	15	banking	banking	NOUN
ajbmeb-2698	149	16	system	system	NOUN
ajbmeb-2698	149	17	.	.	PUNCT
ajbmeb-2698	150	1	www.deloitte.com	www.deloitte.com	PROPN
ajbmeb-2698	150	2	american	american	PROPN
ajbmeb-2698	150	3	journal	journal	PROPN
ajbmeb-2698	150	4	of	of	ADP
ajbmeb-2698	150	5	business	business	NOUN
ajbmeb-2698	150	6	management	management	NOUN
ajbmeb-2698	150	7	,	,	PUNCT
ajbmeb-2698	150	8	economics	economic	NOUN
ajbmeb-2698	150	9	and	and	CCONJ
ajbmeb-2698	150	10	banking	banking	NOUN
ajbmeb-2698	150	11	volume	volume	NOUN
ajbmeb-2698	150	12	33	33	NUM
ajbmeb-2698	150	13	february	february	NOUN
ajbmeb-2698	150	14	2025	2025	NUM
ajbmeb-2698	150	15	p	p	NOUN
ajbmeb-2698	151	1	a	a	DET
ajbmeb-2698	151	2	g	g	NOUN
ajbmeb-2698	151	3	e	e	NOUN
ajbmeb-2698	151	4	|	|	ADV
ajbmeb-2698	151	5	35	35	NUM
ajbmeb-2698	151	6	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2698	151	7	18	18	NUM
ajbmeb-2698	151	8	.	.	PUNCT
ajbmeb-2698	151	9	pwc	pwc	PROPN
ajbmeb-2698	151	10	(	(	PUNCT
ajbmeb-2698	151	11	pricewaterhousecoopers	pricewaterhousecooper	NOUN
ajbmeb-2698	151	12	):	):	PUNCT
ajbmeb-2698	151	13	report	report	NOUN
ajbmeb-2698	151	14	on	on	ADP
ajbmeb-2698	151	15	the	the	DET
ajbmeb-2698	151	16	use	use	NOUN
ajbmeb-2698	151	17	of	of	ADP
ajbmeb-2698	151	18	digital	digital	ADJ
ajbmeb-2698	151	19	technologies	technology	NOUN
ajbmeb-2698	151	20	in	in	ADP
ajbmeb-2698	151	21	the	the	DET
ajbmeb-2698	151	22	lending	lending	NOUN
ajbmeb-2698	151	23	process	process	NOUN
ajbmeb-2698	151	24	.	.	PUNCT
ajbmeb-2698	152	1	www.pwc.com	www.pwc.com	AUX
ajbmeb-2698	152	2	19	19	NUM
ajbmeb-2698	152	3	.	.	PUNCT
ajbmeb-2698	152	4	statista	statista	PROPN
ajbmeb-2698	152	5	:	:	PUNCT
ajbmeb-2698	153	1	volume	volume	NOUN
ajbmeb-2698	153	2	and	and	CCONJ
ajbmeb-2698	153	3	growth	growth	NOUN
ajbmeb-2698	153	4	rates	rate	NOUN
ajbmeb-2698	153	5	of	of	ADP
ajbmeb-2698	153	6	digital	digital	ADJ
ajbmeb-2698	153	7	lending	lending	NOUN
ajbmeb-2698	153	8	in	in	ADP
ajbmeb-2698	153	9	the	the	DET
ajbmeb-2698	153	10	world	world	NOUN
ajbmeb-2698	153	11	market	market	NOUN
ajbmeb-2698	153	12	.	.	PUNCT
ajbmeb-2698	154	1	www.statista.com	www.statista.com	X
ajbmeb-2698	154	2	20	20	NUM
ajbmeb-2698	154	3	.	.	PUNCT
ajbmeb-2698	154	4	deloitte	deloitte	PROPN
ajbmeb-2698	154	5	.	.	PUNCT
ajbmeb-2698	155	1	"	"	PUNCT
ajbmeb-2698	155	2	blockchain	blockchain	PROPN
ajbmeb-2698	155	3	in	in	ADP
ajbmeb-2698	155	4	banking	banking	NOUN
ajbmeb-2698	155	5	:	:	PUNCT
ajbmeb-2698	155	6	key	key	ADJ
ajbmeb-2698	155	7	challenges	challenge	NOUN
ajbmeb-2698	155	8	and	and	CCONJ
ajbmeb-2698	155	9	solutions	solution	NOUN
ajbmeb-2698	155	10	"	"	PUNCT
ajbmeb-2698	155	11	.	.	PUNCT
ajbmeb-2698	156	1	www.deloitte.com	www.deloitte.com	X
ajbmeb-2698	156	2	(	(	PUNCT
ajbmeb-2698	156	3	2023	2023	NUM
ajbmeb-2698	156	4	)	)	PUNCT
ajbmeb-2698	156	5	.	.	PUNCT