id	sid	tid	token	lemma	pos
ajbmeb-2831	1	1	american	american	PROPN
ajbmeb-2831	1	2	journal	journal	PROPN
ajbmeb-2831	1	3	of	of	ADP
ajbmeb-2831	1	4	business	business	NOUN
ajbmeb-2831	1	5	management	management	NOUN
ajbmeb-2831	1	6	,	,	PUNCT
ajbmeb-2831	1	7	economics	economic	NOUN
ajbmeb-2831	1	8	and	and	CCONJ
ajbmeb-2831	1	9	banking	banking	NOUN
ajbmeb-2831	1	10	issn	issn	PROPN
ajbmeb-2831	1	11	(	(	PUNCT
ajbmeb-2831	1	12	e	e	NOUN
ajbmeb-2831	1	13	):	):	PUNCT
ajbmeb-2831	1	14	2832	2832	NUM
ajbmeb-2831	1	15	-	-	SYM
ajbmeb-2831	1	16	8078	8078	NUM
ajbmeb-2831	1	17	volume	volume	NOUN
ajbmeb-2831	1	18	35	35	NUM
ajbmeb-2831	1	19	,	,	PUNCT
ajbmeb-2831	1	20	april	april	PROPN
ajbmeb-2831	1	21	2025	2025	NUM
ajbmeb-2831	1	22	p	p	NOUN
ajbmeb-2831	1	23	a	a	DET
ajbmeb-2831	1	24	g	g	NOUN
ajbmeb-2831	1	25	e	e	NOUN
ajbmeb-2831	1	26	|	|	ADV
ajbmeb-2831	1	27	1	1	NUM
ajbmeb-2831	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2831	1	29	prospects	prospect	NOUN
ajbmeb-2831	1	30	of	of	ADP
ajbmeb-2831	1	31	expanding	expand	VERB
ajbmeb-2831	1	32	the	the	DET
ajbmeb-2831	1	33	revenue	revenue	NOUN
ajbmeb-2831	1	34	base	base	NOUN
ajbmeb-2831	1	35	in	in	ADP
ajbmeb-2831	1	36	the	the	DET
ajbmeb-2831	1	37	transformation	transformation	NOUN
ajbmeb-2831	1	38	processes	process	NOUN
ajbmeb-2831	1	39	of	of	ADP
ajbmeb-2831	1	40	commercial	commercial	ADJ
ajbmeb-2831	1	41	banks	bank	NOUN
ajbmeb-2831	1	42	ernazarov	ernazarov	NOUN
ajbmeb-2831	1	43	narmet	narmet	PROPN
ajbmeb-2831	1	44	saparbayevich	saparbayevich	PROPN
ajbmeb-2831	1	45	tashkent	tashkent	PROPN
ajbmeb-2831	1	46	state	state	PROPN
ajbmeb-2831	1	47	university	university	PROPN
ajbmeb-2831	1	48	of	of	ADP
ajbmeb-2831	1	49	economics	economics	PROPN
ajbmeb-2831	1	50	email	email	NOUN
ajbmeb-2831	1	51	:	:	PUNCT
ajbmeb-2831	1	52	narmet.ernazarov@bk.ru	narmet.ernazarov@bk.ru	ADV
ajbmeb-2831	1	53	tel	tel	ADP
ajbmeb-2831	1	54	:	:	PUNCT
ajbmeb-2831	1	55	99890	99890	NUM
ajbmeb-2831	1	56	3530981	3530981	NUM
ajbmeb-2831	1	57	a	a	DET
ajbmeb-2831	1	58	b	b	PROPN
ajbmeb-2831	1	59	s	s	ADP
ajbmeb-2831	1	60	t	t	PROPN
ajbmeb-2831	1	61	r	r	NOUN
ajbmeb-2831	1	62	a	a	DET
ajbmeb-2831	1	63	c	c	NOUN
ajbmeb-2831	1	64	t	t	NOUN
ajbmeb-2831	1	65	k	k	X
ajbmeb-2831	1	66	e	e	PROPN
ajbmeb-2831	1	67	y	y	PROPN
ajbmeb-2831	1	68	w	w	NOUN
ajbmeb-2831	2	1	o	o	NOUN
ajbmeb-2831	2	2	r	r	NOUN
ajbmeb-2831	2	3	d	d	PROPN
ajbmeb-2831	2	4	s	s	PART
ajbmeb-2831	2	5	issues	issue	NOUN
ajbmeb-2831	2	6	such	such	ADJ
ajbmeb-2831	2	7	as	as	ADP
ajbmeb-2831	2	8	strategic	strategic	ADJ
ajbmeb-2831	2	9	investors	investor	NOUN
ajbmeb-2831	2	10	,	,	PUNCT
ajbmeb-2831	2	11	adaptation	adaptation	NOUN
ajbmeb-2831	2	12	to	to	ADP
ajbmeb-2831	2	13	market	market	NOUN
ajbmeb-2831	2	14	principles	principle	NOUN
ajbmeb-2831	2	15	,	,	PUNCT
ajbmeb-2831	2	16	elimination	elimination	NOUN
ajbmeb-2831	2	17	of	of	ADP
ajbmeb-2831	2	18	dependence	dependence	NOUN
ajbmeb-2831	2	19	on	on	ADP
ajbmeb-2831	2	20	state	state	NOUN
ajbmeb-2831	2	21	funds	fund	NOUN
ajbmeb-2831	2	22	and	and	CCONJ
ajbmeb-2831	2	23	creation	creation	NOUN
ajbmeb-2831	2	24	of	of	ADP
ajbmeb-2831	2	25	equal	equal	ADJ
ajbmeb-2831	2	26	competitive	competitive	ADJ
ajbmeb-2831	2	27	conditions	condition	NOUN
ajbmeb-2831	2	28	are	be	AUX
ajbmeb-2831	2	29	defined	define	VERB
ajbmeb-2831	2	30	as	as	ADP
ajbmeb-2831	2	31	the	the	DET
ajbmeb-2831	2	32	main	main	ADJ
ajbmeb-2831	2	33	directions	direction	NOUN
ajbmeb-2831	2	34	of	of	ADP
ajbmeb-2831	2	35	the	the	DET
ajbmeb-2831	2	36	banking	banking	NOUN
ajbmeb-2831	2	37	system	system	NOUN
ajbmeb-2831	2	38	reform	reform	NOUN
ajbmeb-2831	2	39	strategy	strategy	NOUN
ajbmeb-2831	2	40	.	.	PUNCT
ajbmeb-2831	3	1	the	the	DET
ajbmeb-2831	3	2	transition	transition	NOUN
ajbmeb-2831	3	3	of	of	ADP
ajbmeb-2831	3	4	banks	bank	NOUN
ajbmeb-2831	3	5	to	to	ADP
ajbmeb-2831	3	6	this	this	DET
ajbmeb-2831	3	7	process	process	NOUN
ajbmeb-2831	3	8	requires	require	VERB
ajbmeb-2831	3	9	changing	change	VERB
ajbmeb-2831	3	10	their	their	PRON
ajbmeb-2831	3	11	business	business	NOUN
ajbmeb-2831	3	12	models	model	NOUN
ajbmeb-2831	3	13	.	.	PUNCT
ajbmeb-2831	4	1	this	this	DET
ajbmeb-2831	4	2	article	article	NOUN
ajbmeb-2831	4	3	is	be	AUX
ajbmeb-2831	4	4	an	an	DET
ajbmeb-2831	4	5	important	important	ADJ
ajbmeb-2831	4	6	scientific	scientific	ADJ
ajbmeb-2831	4	7	and	and	CCONJ
ajbmeb-2831	4	8	practical	practical	ADJ
ajbmeb-2831	4	9	aspect	aspect	NOUN
ajbmeb-2831	4	10	in	in	ADP
ajbmeb-2831	4	11	the	the	DET
ajbmeb-2831	4	12	process	process	NOUN
ajbmeb-2831	4	13	of	of	ADP
ajbmeb-2831	4	14	expanding	expand	VERB
ajbmeb-2831	4	15	the	the	DET
ajbmeb-2831	4	16	income	income	NOUN
ajbmeb-2831	4	17	base	base	NOUN
ajbmeb-2831	4	18	of	of	ADP
ajbmeb-2831	4	19	commercial	commercial	ADJ
ajbmeb-2831	4	20	banks	bank	NOUN
ajbmeb-2831	4	21	in	in	ADP
ajbmeb-2831	4	22	the	the	DET
ajbmeb-2831	4	23	process	process	NOUN
ajbmeb-2831	4	24	of	of	ADP
ajbmeb-2831	4	25	transformation	transformation	NOUN
ajbmeb-2831	4	26	.	.	PUNCT
ajbmeb-2831	5	1	banking	banking	NOUN
ajbmeb-2831	5	2	transformation	transformation	NOUN
ajbmeb-2831	5	3	,	,	PUNCT
ajbmeb-2831	5	4	liquidity	liquidity	NOUN
ajbmeb-2831	5	5	,	,	PUNCT
ajbmeb-2831	5	6	business	business	NOUN
ajbmeb-2831	5	7	model	model	NOUN
ajbmeb-2831	5	8	,	,	PUNCT
ajbmeb-2831	5	9	interest	interest	NOUN
ajbmeb-2831	5	10	income	income	NOUN
ajbmeb-2831	5	11	,	,	PUNCT
ajbmeb-2831	5	12	noninterest	noninter	ADJ
ajbmeb-2831	5	13	income	income	NOUN
ajbmeb-2831	5	14	,	,	PUNCT
ajbmeb-2831	5	15	fintech	fintech	NOUN
ajbmeb-2831	5	16	technologies	technology	NOUN
ajbmeb-2831	5	17	,	,	PUNCT
ajbmeb-2831	5	18	digital	digital	ADJ
ajbmeb-2831	5	19	transformation	transformation	NOUN
ajbmeb-2831	5	20	.	.	PUNCT
ajbmeb-2831	6	1	introduction	introduction	NOUN
ajbmeb-2831	6	2	digital	digital	ADJ
ajbmeb-2831	6	3	transformation	transformation	NOUN
ajbmeb-2831	6	4	is	be	AUX
ajbmeb-2831	6	5	an	an	DET
ajbmeb-2831	6	6	inevitable	inevitable	ADJ
ajbmeb-2831	6	7	process	process	NOUN
ajbmeb-2831	6	8	in	in	ADP
ajbmeb-2831	6	9	which	which	PRON
ajbmeb-2831	6	10	the	the	DET
ajbmeb-2831	6	11	world	world	NOUN
ajbmeb-2831	6	12	business	business	NOUN
ajbmeb-2831	6	13	begins	begin	VERB
ajbmeb-2831	6	14	to	to	PART
ajbmeb-2831	6	15	adapt	adapt	VERB
ajbmeb-2831	6	16	to	to	ADP
ajbmeb-2831	6	17	the	the	DET
ajbmeb-2831	6	18	new	new	ADJ
ajbmeb-2831	6	19	conditions	condition	NOUN
ajbmeb-2831	6	20	and	and	CCONJ
ajbmeb-2831	6	21	advantages	advantage	NOUN
ajbmeb-2831	6	22	of	of	ADP
ajbmeb-2831	6	23	the	the	DET
ajbmeb-2831	6	24	digital	digital	ADJ
ajbmeb-2831	6	25	economy	economy	NOUN
ajbmeb-2831	6	26	society	society	NOUN
ajbmeb-2831	6	27	,	,	PUNCT
ajbmeb-2831	6	28	and	and	CCONJ
ajbmeb-2831	6	29	it	it	PRON
ajbmeb-2831	6	30	is	be	AUX
ajbmeb-2831	6	31	a	a	DET
ajbmeb-2831	6	32	tool	tool	NOUN
ajbmeb-2831	6	33	that	that	PRON
ajbmeb-2831	6	34	serves	serve	VERB
ajbmeb-2831	6	35	to	to	PART
ajbmeb-2831	6	36	improve	improve	VERB
ajbmeb-2831	6	37	people	people	NOUN
ajbmeb-2831	6	38	's	's	PART
ajbmeb-2831	6	39	living	living	NOUN
ajbmeb-2831	6	40	standards	standard	NOUN
ajbmeb-2831	6	41	,	,	PUNCT
ajbmeb-2831	6	42	create	create	VERB
ajbmeb-2831	6	43	convenience	convenience	NOUN
ajbmeb-2831	6	44	and	and	CCONJ
ajbmeb-2831	6	45	increase	increase	VERB
ajbmeb-2831	6	46	the	the	DET
ajbmeb-2831	6	47	quality	quality	NOUN
ajbmeb-2831	6	48	of	of	ADP
ajbmeb-2831	6	49	life	life	NOUN
ajbmeb-2831	6	50	in	in	ADP
ajbmeb-2831	6	51	society	society	NOUN
ajbmeb-2831	6	52	through	through	ADP
ajbmeb-2831	6	53	the	the	DET
ajbmeb-2831	6	54	implementation	implementation	NOUN
ajbmeb-2831	6	55	of	of	ADP
ajbmeb-2831	6	56	digital	digital	ADJ
ajbmeb-2831	6	57	technology	technology	NOUN
ajbmeb-2831	6	58	.	.	PUNCT
ajbmeb-2831	7	1	one	one	NUM
ajbmeb-2831	7	2	of	of	ADP
ajbmeb-2831	7	3	the	the	DET
ajbmeb-2831	7	4	main	main	ADJ
ajbmeb-2831	7	5	directions	direction	NOUN
ajbmeb-2831	7	6	of	of	ADP
ajbmeb-2831	7	7	transformation	transformation	NOUN
ajbmeb-2831	7	8	of	of	ADP
ajbmeb-2831	7	9	state	state	NOUN
ajbmeb-2831	7	10	banks	bank	NOUN
ajbmeb-2831	7	11	is	be	AUX
ajbmeb-2831	7	12	the	the	DET
ajbmeb-2831	7	13	development	development	NOUN
ajbmeb-2831	7	14	of	of	ADP
ajbmeb-2831	7	15	the	the	DET
ajbmeb-2831	7	16	it	it	NOUN
ajbmeb-2831	7	17	sector	sector	NOUN
ajbmeb-2831	7	18	.	.	PUNCT
ajbmeb-2831	8	1	therefore	therefore	ADV
ajbmeb-2831	8	2	,	,	PUNCT
ajbmeb-2831	8	3	in	in	ADP
ajbmeb-2831	8	4	accordance	accordance	NOUN
ajbmeb-2831	8	5	with	with	ADP
ajbmeb-2831	8	6	the	the	DET
ajbmeb-2831	8	7	decree	decree	NOUN
ajbmeb-2831	8	8	of	of	ADP
ajbmeb-2831	8	9	the	the	DET
ajbmeb-2831	8	10	president	president	NOUN
ajbmeb-2831	8	11	of	of	ADP
ajbmeb-2831	8	12	the	the	DET
ajbmeb-2831	8	13	republic	republic	NOUN
ajbmeb-2831	8	14	of	of	ADP
ajbmeb-2831	8	15	uzbekistan	uzbekistan	PROPN
ajbmeb-2831	8	16	dated	date	VERB
ajbmeb-2831	8	17	may	may	PROPN
ajbmeb-2831	8	18	12	12	NUM
ajbmeb-2831	8	19	,	,	PUNCT
ajbmeb-2831	8	20	2020	2020	NUM
ajbmeb-2831	8	21	"	"	PUNCT
ajbmeb-2831	8	22	on	on	ADP
ajbmeb-2831	8	23	the	the	DET
ajbmeb-2831	8	24	strategy	strategy	NOUN
ajbmeb-2831	8	25	of	of	ADP
ajbmeb-2831	8	26	reforming	reform	VERB
ajbmeb-2831	8	27	the	the	DET
ajbmeb-2831	8	28	banking	banking	NOUN
ajbmeb-2831	8	29	system	system	NOUN
ajbmeb-2831	8	30	of	of	ADP
ajbmeb-2831	8	31	the	the	DET
ajbmeb-2831	8	32	republic	republic	NOUN
ajbmeb-2831	8	33	of	of	ADP
ajbmeb-2831	8	34	uzbekistan	uzbekistan	PROPN
ajbmeb-2831	8	35	for	for	ADP
ajbmeb-2831	8	36	20202025	20202025	NUM
ajbmeb-2831	8	37	"	"	PUNCT
ajbmeb-2831	8	38	,	,	PUNCT
ajbmeb-2831	8	39	the	the	DET
ajbmeb-2831	8	40	"	"	PUNCT
ajbmeb-2831	8	41	roadmap	roadmap	NOUN
ajbmeb-2831	8	42	"	"	PUNCT
ajbmeb-2831	8	43	for	for	ADP
ajbmeb-2831	8	44	the	the	DET
ajbmeb-2831	8	45	reform	reform	NOUN
ajbmeb-2831	8	46	of	of	ADP
ajbmeb-2831	8	47	the	the	DET
ajbmeb-2831	8	48	banking	banking	NOUN
ajbmeb-2831	8	49	system	system	NOUN
ajbmeb-2831	8	50	of	of	ADP
ajbmeb-2831	8	51	the	the	DET
ajbmeb-2831	8	52	republic	republic	NOUN
ajbmeb-2831	8	53	of	of	ADP
ajbmeb-2831	8	54	uzbekistan	uzbekistan	PROPN
ajbmeb-2831	8	55	and	and	CCONJ
ajbmeb-2831	8	56	the	the	DET
ajbmeb-2831	8	57	target	target	NOUN
ajbmeb-2831	8	58	indicators	indicator	NOUN
ajbmeb-2831	8	59	of	of	ADP
ajbmeb-2831	8	60	the	the	DET
ajbmeb-2831	8	61	implementation	implementation	NOUN
ajbmeb-2831	8	62	of	of	ADP
ajbmeb-2831	8	63	the	the	DET
ajbmeb-2831	8	64	strategy	strategy	NOUN
ajbmeb-2831	8	65	were	be	AUX
ajbmeb-2831	8	66	approved	approve	VERB
ajbmeb-2831	8	67	.	.	PUNCT
ajbmeb-2831	9	1	(	(	PUNCT
ajbmeb-2831	9	2	decree	decree	NOUN
ajbmeb-2831	9	3	,	,	PUNCT
ajbmeb-2831	9	4	2020	2020	NUM
ajbmeb-2831	9	5	)	)	PUNCT
ajbmeb-2831	9	6	on	on	ADP
ajbmeb-2831	9	7	the	the	DET
ajbmeb-2831	9	8	basis	basis	NOUN
ajbmeb-2831	9	9	of	of	ADP
ajbmeb-2831	9	10	this	this	DET
ajbmeb-2831	9	11	"	"	PUNCT
ajbmeb-2831	9	12	road	road	NOUN
ajbmeb-2831	9	13	map	map	NOUN
ajbmeb-2831	9	14	"	"	PUNCT
ajbmeb-2831	9	15	,	,	PUNCT
ajbmeb-2831	9	16	the	the	DET
ajbmeb-2831	9	17	priorities	priority	NOUN
ajbmeb-2831	9	18	for	for	ADP
ajbmeb-2831	9	19	the	the	DET
ajbmeb-2831	9	20	reform	reform	NOUN
ajbmeb-2831	9	21	and	and	CCONJ
ajbmeb-2831	9	22	development	development	NOUN
ajbmeb-2831	9	23	of	of	ADP
ajbmeb-2831	9	24	the	the	DET
ajbmeb-2831	9	25	banking	banking	NOUN
ajbmeb-2831	9	26	and	and	CCONJ
ajbmeb-2831	9	27	financial	financial	ADJ
ajbmeb-2831	9	28	system	system	NOUN
ajbmeb-2831	9	29	in	in	ADP
ajbmeb-2831	9	30	the	the	DET
ajbmeb-2831	9	31	next	next	ADJ
ajbmeb-2831	9	32	five	five	NUM
ajbmeb-2831	9	33	years	year	NOUN
ajbmeb-2831	9	34	have	have	AUX
ajbmeb-2831	9	35	been	be	AUX
ajbmeb-2831	9	36	determined	determine	VERB
ajbmeb-2831	9	37	:	:	PUNCT
ajbmeb-2831	9	38	➢	➢	VERB
ajbmeb-2831	9	39	attraction	attraction	NOUN
ajbmeb-2831	9	40	of	of	ADP
ajbmeb-2831	9	41	financially	financially	ADV
ajbmeb-2831	9	42	stable	stable	ADJ
ajbmeb-2831	9	43	and	and	CCONJ
ajbmeb-2831	9	44	influential	influential	ADJ
ajbmeb-2831	9	45	investors	investor	NOUN
ajbmeb-2831	9	46	who	who	PRON
ajbmeb-2831	9	47	can	can	AUX
ajbmeb-2831	9	48	have	have	VERB
ajbmeb-2831	9	49	a	a	DET
ajbmeb-2831	9	50	positive	positive	ADJ
ajbmeb-2831	9	51	effect	effect	NOUN
ajbmeb-2831	9	52	on	on	ADP
ajbmeb-2831	9	53	the	the	DET
ajbmeb-2831	9	54	introduction	introduction	NOUN
ajbmeb-2831	9	55	of	of	ADP
ajbmeb-2831	9	56	modern	modern	ADJ
ajbmeb-2831	9	57	solutions	solution	NOUN
ajbmeb-2831	9	58	to	to	ADP
ajbmeb-2831	9	59	the	the	DET
ajbmeb-2831	9	60	banking	banking	NOUN
ajbmeb-2831	9	61	system	system	NOUN
ajbmeb-2831	9	62	,	,	PUNCT
ajbmeb-2831	9	63	increasing	increase	VERB
ajbmeb-2831	9	64	the	the	DET
ajbmeb-2831	9	65	efficiency	efficiency	NOUN
ajbmeb-2831	9	66	of	of	ADP
ajbmeb-2831	9	67	financial	financial	ADJ
ajbmeb-2831	9	68	and	and	CCONJ
ajbmeb-2831	9	69	human	human	ADJ
ajbmeb-2831	9	70	resources	resource	NOUN
ajbmeb-2831	9	71	;	;	PUNCT
ajbmeb-2831	9	72	➢	➢	X
ajbmeb-2831	9	73	reduction	reduction	NOUN
ajbmeb-2831	9	74	of	of	ADP
ajbmeb-2831	9	75	preferential	preferential	ADJ
ajbmeb-2831	9	76	and	and	CCONJ
ajbmeb-2831	9	77	subsidized	subsidized	ADJ
ajbmeb-2831	9	78	loans	loan	NOUN
ajbmeb-2831	9	79	,	,	PUNCT
ajbmeb-2831	9	80	transition	transition	NOUN
ajbmeb-2831	9	81	to	to	ADP
ajbmeb-2831	9	82	lending	lend	VERB
ajbmeb-2831	9	83	only	only	ADV
ajbmeb-2831	9	84	under	under	ADP
ajbmeb-2831	9	85	market	market	NOUN
ajbmeb-2831	9	86	conditions	condition	NOUN
ajbmeb-2831	9	87	based	base	VERB
ajbmeb-2831	9	88	on	on	ADP
ajbmeb-2831	9	89	monetary	monetary	ADJ
ajbmeb-2831	9	90	policy	policy	NOUN
ajbmeb-2831	9	91	signals	signal	NOUN
ajbmeb-2831	9	92	:	:	PUNCT
ajbmeb-2831	9	93	(	(	PUNCT
ajbmeb-2831	9	94	decree	decree	NOUN
ajbmeb-2831	9	95	,	,	PUNCT
ajbmeb-2831	9	96	2020	2020	NUM
ajbmeb-2831	9	97	)	)	PUNCT
ajbmeb-2831	9	98	in	in	ADP
ajbmeb-2831	9	99	the	the	DET
ajbmeb-2831	9	100	course	course	NOUN
ajbmeb-2831	9	101	of	of	ADP
ajbmeb-2831	9	102	organizing	organize	VERB
ajbmeb-2831	9	103	bank	bank	NOUN
ajbmeb-2831	9	104	operations	operation	NOUN
ajbmeb-2831	9	105	and	and	CCONJ
ajbmeb-2831	9	106	providing	provide	VERB
ajbmeb-2831	9	107	services	service	NOUN
ajbmeb-2831	9	108	to	to	ADP
ajbmeb-2831	9	109	its	its	PRON
ajbmeb-2831	9	110	customers	customer	NOUN
ajbmeb-2831	9	111	,	,	PUNCT
ajbmeb-2831	9	112	the	the	DET
ajbmeb-2831	9	113	interest	interest	NOUN
ajbmeb-2831	9	114	and	and	CCONJ
ajbmeb-2831	9	115	non	non	ADJ
ajbmeb-2831	9	116	-	-	ADJ
ajbmeb-2831	9	117	interest	interest	NOUN
ajbmeb-2831	9	118	-	-	PUNCT
ajbmeb-2831	9	119	bearing	bear	VERB
ajbmeb-2831	9	120	benefits	benefit	NOUN
ajbmeb-2831	9	121	received	receive	VERB
ajbmeb-2831	9	122	from	from	ADP
ajbmeb-2831	9	123	them	they	PRON
ajbmeb-2831	9	124	,	,	PUNCT
ajbmeb-2831	9	125	as	as	ADV
ajbmeb-2831	9	126	well	well	ADV
ajbmeb-2831	9	127	as	as	ADP
ajbmeb-2831	9	128	all	all	DET
ajbmeb-2831	9	129	the	the	DET
ajbmeb-2831	9	130	income	income	NOUN
ajbmeb-2831	9	131	received	receive	VERB
ajbmeb-2831	9	132	by	by	ADP
ajbmeb-2831	9	133	the	the	DET
ajbmeb-2831	9	134	bank	bank	NOUN
ajbmeb-2831	9	135	due	due	ADP
ajbmeb-2831	9	136	to	to	ADP
ajbmeb-2831	9	137	the	the	DET
ajbmeb-2831	9	138	placement	placement	NOUN
ajbmeb-2831	9	139	of	of	ADP
ajbmeb-2831	9	140	its	its	PRON
ajbmeb-2831	9	141	assets	asset	NOUN
ajbmeb-2831	9	142	in	in	ADP
ajbmeb-2831	9	143	profitable	profitable	ADJ
ajbmeb-2831	9	144	sources	source	NOUN
ajbmeb-2831	9	145	,	,	PUNCT
ajbmeb-2831	9	146	are	be	AUX
ajbmeb-2831	9	147	credited	credit	VERB
ajbmeb-2831	9	148	to	to	ADP
ajbmeb-2831	9	149	the	the	DET
ajbmeb-2831	9	150	account	account	NOUN
ajbmeb-2831	9	151	40000-"revenues	40000-"revenue	NOUN
ajbmeb-2831	9	152	"	"	PUNCT
ajbmeb-2831	9	153	.	.	PUNCT
ajbmeb-2831	10	1	as	as	SCONJ
ajbmeb-2831	10	2	american	american	PROPN
ajbmeb-2831	10	3	journal	journal	PROPN
ajbmeb-2831	10	4	of	of	ADP
ajbmeb-2831	10	5	business	business	NOUN
ajbmeb-2831	10	6	management	management	NOUN
ajbmeb-2831	10	7	,	,	PUNCT
ajbmeb-2831	10	8	economics	economic	NOUN
ajbmeb-2831	10	9	and	and	CCONJ
ajbmeb-2831	10	10	banking	banking	NOUN
ajbmeb-2831	10	11	volume	volume	NOUN
ajbmeb-2831	10	12	35	35	NUM
ajbmeb-2831	10	13	april	april	PROPN
ajbmeb-2831	10	14	2025	2025	NUM
ajbmeb-2831	10	15	p	p	NOUN
ajbmeb-2831	10	16	a	a	DET
ajbmeb-2831	10	17	g	g	NOUN
ajbmeb-2831	10	18	e	e	NOUN
ajbmeb-2831	10	19	|	|	ADV
ajbmeb-2831	10	20	2	2	NUM
ajbmeb-2831	10	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2831	10	22	a	a	DET
ajbmeb-2831	10	23	result	result	NOUN
ajbmeb-2831	10	24	,	,	PUNCT
ajbmeb-2831	10	25	all	all	DET
ajbmeb-2831	10	26	expenses	expense	NOUN
ajbmeb-2831	10	27	incurred	incur	VERB
ajbmeb-2831	10	28	in	in	ADP
ajbmeb-2831	10	29	the	the	DET
ajbmeb-2831	10	30	implementation	implementation	NOUN
ajbmeb-2831	10	31	of	of	ADP
ajbmeb-2831	10	32	banking	banking	NOUN
ajbmeb-2831	10	33	activities	activity	NOUN
ajbmeb-2831	10	34	are	be	AUX
ajbmeb-2831	10	35	covered	cover	VERB
ajbmeb-2831	10	36	by	by	ADP
ajbmeb-2831	10	37	the	the	DET
ajbmeb-2831	10	38	received	receive	VERB
ajbmeb-2831	10	39	income	income	NOUN
ajbmeb-2831	10	40	,	,	PUNCT
ajbmeb-2831	10	41	and	and	CCONJ
ajbmeb-2831	10	42	surplus	surplus	ADJ
ajbmeb-2831	10	43	funds	fund	NOUN
ajbmeb-2831	10	44	are	be	AUX
ajbmeb-2831	10	45	considered	consider	VERB
ajbmeb-2831	10	46	the	the	DET
ajbmeb-2831	10	47	bank	bank	NOUN
ajbmeb-2831	10	48	's	's	PART
ajbmeb-2831	10	49	net	net	ADJ
ajbmeb-2831	10	50	profit	profit	NOUN
ajbmeb-2831	10	51	for	for	ADP
ajbmeb-2831	10	52	the	the	DET
ajbmeb-2831	10	53	reporting	reporting	NOUN
ajbmeb-2831	10	54	year	year	NOUN
ajbmeb-2831	10	55	(	(	PUNCT
ajbmeb-2831	10	56	month	month	NOUN
ajbmeb-2831	10	57	)	)	PUNCT
ajbmeb-2831	10	58	.	.	PUNCT
ajbmeb-2831	11	1	from	from	ADP
ajbmeb-2831	11	2	this	this	DET
ajbmeb-2831	11	3	net	net	ADJ
ajbmeb-2831	11	4	profit	profit	NOUN
ajbmeb-2831	11	5	,	,	PUNCT
ajbmeb-2831	11	6	taxes	taxis	NOUN
ajbmeb-2831	11	7	and	and	CCONJ
ajbmeb-2831	11	8	dividends	dividend	NOUN
ajbmeb-2831	11	9	paid	pay	VERB
ajbmeb-2831	11	10	to	to	ADP
ajbmeb-2831	11	11	shareholders	shareholder	NOUN
ajbmeb-2831	11	12	(	(	PUNCT
ajbmeb-2831	11	13	dividends	dividend	NOUN
ajbmeb-2831	11	14	tax	tax	NOUN
ajbmeb-2831	11	15	)	)	PUNCT
ajbmeb-2831	11	16	were	be	AUX
ajbmeb-2831	11	17	transferred	transfer	VERB
ajbmeb-2831	11	18	to	to	ADP
ajbmeb-2831	11	19	the	the	DET
ajbmeb-2831	11	20	remaining	remain	VERB
ajbmeb-2831	11	21	retained	retain	VERB
ajbmeb-2831	11	22	earnings	earning	NOUN
ajbmeb-2831	11	23	of	of	ADP
ajbmeb-2831	11	24	the	the	DET
ajbmeb-2831	11	25	bank	bank	NOUN
ajbmeb-2831	11	26	.	.	PUNCT
ajbmeb-2831	12	1	in	in	ADP
ajbmeb-2831	12	2	the	the	DET
ajbmeb-2831	12	3	transition	transition	NOUN
ajbmeb-2831	12	4	of	of	ADP
ajbmeb-2831	12	5	banks	bank	NOUN
ajbmeb-2831	12	6	to	to	ADP
ajbmeb-2831	12	7	this	this	DET
ajbmeb-2831	12	8	process	process	NOUN
ajbmeb-2831	12	9	,	,	PUNCT
ajbmeb-2831	12	10	it	it	PRON
ajbmeb-2831	12	11	is	be	AUX
ajbmeb-2831	12	12	of	of	ADP
ajbmeb-2831	12	13	great	great	ADJ
ajbmeb-2831	12	14	importance	importance	NOUN
ajbmeb-2831	12	15	to	to	PART
ajbmeb-2831	12	16	change	change	VERB
ajbmeb-2831	12	17	their	their	PRON
ajbmeb-2831	12	18	business	business	NOUN
ajbmeb-2831	12	19	models	model	NOUN
ajbmeb-2831	12	20	and	and	CCONJ
ajbmeb-2831	12	21	introduce	introduce	VERB
ajbmeb-2831	12	22	a	a	DET
ajbmeb-2831	12	23	customer	customer	NOUN
ajbmeb-2831	12	24	-	-	PUNCT
ajbmeb-2831	12	25	oriented	orient	VERB
ajbmeb-2831	12	26	work	work	NOUN
ajbmeb-2831	12	27	system	system	NOUN
ajbmeb-2831	12	28	.	.	PUNCT
ajbmeb-2831	13	1	literature	literature	NOUN
ajbmeb-2831	13	2	review	review	NOUN
ajbmeb-2831	13	3	in	in	ADP
ajbmeb-2831	13	4	this	this	DET
ajbmeb-2831	13	5	article	article	NOUN
ajbmeb-2831	13	6	,	,	PUNCT
ajbmeb-2831	13	7	the	the	DET
ajbmeb-2831	13	8	scientific	scientific	ADJ
ajbmeb-2831	13	9	research	research	NOUN
ajbmeb-2831	13	10	of	of	ADP
ajbmeb-2831	13	11	several	several	ADJ
ajbmeb-2831	13	12	foreign	foreign	ADJ
ajbmeb-2831	13	13	and	and	CCONJ
ajbmeb-2831	13	14	local	local	ADJ
ajbmeb-2831	13	15	scientists	scientist	NOUN
ajbmeb-2831	13	16	was	be	AUX
ajbmeb-2831	13	17	introduced	introduce	VERB
ajbmeb-2831	13	18	.	.	PUNCT
ajbmeb-2831	14	1	one	one	NUM
ajbmeb-2831	14	2	of	of	ADP
ajbmeb-2831	14	3	the	the	DET
ajbmeb-2831	14	4	russian	russian	ADJ
ajbmeb-2831	14	5	economists	economist	NOUN
ajbmeb-2831	14	6	,	,	PUNCT
ajbmeb-2831	14	7	o.i	o.i	PROPN
ajbmeb-2831	14	8	.	.	PROPN
ajbmeb-2831	14	9	lavrushin	lavrushin	PROPN
ajbmeb-2831	14	10	(	(	PUNCT
ajbmeb-2831	14	11	2008	2008	NUM
ajbmeb-2831	14	12	)	)	PUNCT
ajbmeb-2831	14	13	,	,	PUNCT
ajbmeb-2831	14	14	commented	comment	VERB
ajbmeb-2831	14	15	that	that	SCONJ
ajbmeb-2831	14	16	"	"	PUNCT
ajbmeb-2831	14	17	asset	asset	NOUN
ajbmeb-2831	14	18	operations	operation	NOUN
ajbmeb-2831	14	19	of	of	ADP
ajbmeb-2831	14	20	credit	credit	NOUN
ajbmeb-2831	14	21	organizations	organization	NOUN
ajbmeb-2831	14	22	are	be	AUX
ajbmeb-2831	14	23	goal	goal	NOUN
ajbmeb-2831	14	24	-	-	PUNCT
ajbmeb-2831	14	25	directed	direct	VERB
ajbmeb-2831	14	26	actions	action	NOUN
ajbmeb-2831	14	27	on	on	ADP
ajbmeb-2831	14	28	the	the	DET
ajbmeb-2831	14	29	distribution	distribution	NOUN
ajbmeb-2831	14	30	(	(	PUNCT
ajbmeb-2831	14	31	use	use	NOUN
ajbmeb-2831	14	32	)	)	PUNCT
ajbmeb-2831	14	33	of	of	ADP
ajbmeb-2831	14	34	borrowed	borrow	VERB
ajbmeb-2831	14	35	funds	fund	NOUN
ajbmeb-2831	14	36	for	for	ADP
ajbmeb-2831	14	37	the	the	DET
ajbmeb-2831	14	38	purpose	purpose	NOUN
ajbmeb-2831	14	39	of	of	ADP
ajbmeb-2831	14	40	obtaining	obtain	VERB
ajbmeb-2831	14	41	income	income	NOUN
ajbmeb-2831	14	42	,	,	PUNCT
ajbmeb-2831	14	43	maintaining	maintain	VERB
ajbmeb-2831	14	44	liquidity	liquidity	NOUN
ajbmeb-2831	14	45	and	and	CCONJ
ajbmeb-2831	14	46	financial	financial	ADJ
ajbmeb-2831	14	47	stability	stability	NOUN
ajbmeb-2831	14	48	.	.	PUNCT
ajbmeb-2831	14	49	"	"	PUNCT
ajbmeb-2831	15	1	commercial	commercial	ADJ
ajbmeb-2831	15	2	banks	bank	NOUN
ajbmeb-2831	15	3	should	should	AUX
ajbmeb-2831	15	4	allocate	allocate	VERB
ajbmeb-2831	15	5	the	the	DET
ajbmeb-2831	15	6	resources	resource	NOUN
ajbmeb-2831	15	7	involved	involve	VERB
ajbmeb-2831	15	8	in	in	ADP
ajbmeb-2831	15	9	various	various	ADJ
ajbmeb-2831	15	10	asset	asset	NOUN
ajbmeb-2831	15	11	operations	operation	NOUN
ajbmeb-2831	15	12	.	.	PUNCT
ajbmeb-2831	16	1	depending	depend	VERB
ajbmeb-2831	16	2	on	on	ADP
ajbmeb-2831	16	3	whether	whether	SCONJ
ajbmeb-2831	16	4	the	the	DET
ajbmeb-2831	16	5	bank	bank	NOUN
ajbmeb-2831	16	6	's	's	PART
ajbmeb-2831	16	7	assets	asset	NOUN
ajbmeb-2831	16	8	generate	generate	VERB
ajbmeb-2831	16	9	income	income	NOUN
ajbmeb-2831	16	10	as	as	ADP
ajbmeb-2831	16	11	a	a	DET
ajbmeb-2831	16	12	result	result	NOUN
ajbmeb-2831	16	13	of	of	ADP
ajbmeb-2831	16	14	activity	activity	NOUN
ajbmeb-2831	16	15	;	;	PUNCT
ajbmeb-2831	16	16	divided	divide	VERB
ajbmeb-2831	16	17	into	into	ADP
ajbmeb-2831	16	18	income	income	NOUN
ajbmeb-2831	16	19	-	-	PUNCT
ajbmeb-2831	16	20	generating	generate	VERB
ajbmeb-2831	16	21	assets	asset	NOUN
ajbmeb-2831	16	22	and	and	CCONJ
ajbmeb-2831	16	23	non	non	ADJ
ajbmeb-2831	16	24	-	-	ADJ
ajbmeb-2831	16	25	income	income	NOUN
ajbmeb-2831	16	26	-	-	PUNCT
ajbmeb-2831	16	27	generating	generate	VERB
ajbmeb-2831	16	28	assets	asset	NOUN
ajbmeb-2831	16	29	.	.	PUNCT
ajbmeb-2831	17	1	under	under	ADP
ajbmeb-2831	17	2	the	the	DET
ajbmeb-2831	17	3	influence	influence	NOUN
ajbmeb-2831	17	4	of	of	ADP
ajbmeb-2831	17	5	this	this	DET
ajbmeb-2831	17	6	theoretical	theoretical	ADJ
ajbmeb-2831	17	7	view	view	NOUN
ajbmeb-2831	17	8	,	,	PUNCT
ajbmeb-2831	17	9	it	it	PRON
ajbmeb-2831	17	10	was	be	AUX
ajbmeb-2831	17	11	implemented	implement	VERB
ajbmeb-2831	17	12	that	that	SCONJ
ajbmeb-2831	17	13	the	the	DET
ajbmeb-2831	17	14	return	return	NOUN
ajbmeb-2831	17	15	of	of	ADP
ajbmeb-2831	17	16	the	the	DET
ajbmeb-2831	17	17	principal	principal	ADJ
ajbmeb-2831	17	18	debt	debt	NOUN
ajbmeb-2831	17	19	and	and	CCONJ
ajbmeb-2831	17	20	interest	interest	NOUN
ajbmeb-2831	17	21	payments	payment	NOUN
ajbmeb-2831	17	22	on	on	ADP
ajbmeb-2831	17	23	loans	loan	NOUN
ajbmeb-2831	17	24	,	,	PUNCT
ajbmeb-2831	17	25	first	first	ADV
ajbmeb-2831	17	26	of	of	ADP
ajbmeb-2831	17	27	all	all	PRON
ajbmeb-2831	17	28	,	,	PUNCT
ajbmeb-2831	17	29	correspond	correspond	VERB
ajbmeb-2831	17	30	and	and	CCONJ
ajbmeb-2831	17	31	correlate	correlate	VERB
ajbmeb-2831	17	32	with	with	ADP
ajbmeb-2831	17	33	the	the	DET
ajbmeb-2831	17	34	level	level	NOUN
ajbmeb-2831	17	35	of	of	ADP
ajbmeb-2831	17	36	income	income	NOUN
ajbmeb-2831	17	37	expected	expect	VERB
ajbmeb-2831	17	38	by	by	ADP
ajbmeb-2831	17	39	customers	customer	NOUN
ajbmeb-2831	17	40	,	,	PUNCT
ajbmeb-2831	17	41	both	both	CCONJ
ajbmeb-2831	17	42	in	in	ADP
ajbmeb-2831	17	43	terms	term	NOUN
ajbmeb-2831	17	44	of	of	ADP
ajbmeb-2831	17	45	amount	amount	NOUN
ajbmeb-2831	17	46	and	and	CCONJ
ajbmeb-2831	17	47	time	time	NOUN
ajbmeb-2831	17	48	.	.	PUNCT
ajbmeb-2831	18	1	the	the	DET
ajbmeb-2831	18	2	main	main	ADJ
ajbmeb-2831	18	3	goal	goal	NOUN
ajbmeb-2831	18	4	of	of	ADP
ajbmeb-2831	18	5	commercial	commercial	ADJ
ajbmeb-2831	18	6	banks	bank	NOUN
ajbmeb-2831	18	7	is	be	AUX
ajbmeb-2831	18	8	to	to	PART
ajbmeb-2831	18	9	increase	increase	VERB
ajbmeb-2831	18	10	the	the	DET
ajbmeb-2831	18	11	amount	amount	NOUN
ajbmeb-2831	18	12	of	of	ADP
ajbmeb-2831	18	13	profit	profit	NOUN
ajbmeb-2831	18	14	as	as	ADV
ajbmeb-2831	18	15	much	much	ADV
ajbmeb-2831	18	16	as	as	ADP
ajbmeb-2831	18	17	possible	possible	ADJ
ajbmeb-2831	18	18	.	.	PUNCT
ajbmeb-2831	19	1	this	this	PRON
ajbmeb-2831	19	2	,	,	PUNCT
ajbmeb-2831	19	3	in	in	ADP
ajbmeb-2831	19	4	turn	turn	NOUN
ajbmeb-2831	19	5	,	,	PUNCT
ajbmeb-2831	19	6	depends	depend	VERB
ajbmeb-2831	19	7	on	on	ADP
ajbmeb-2831	19	8	the	the	DET
ajbmeb-2831	19	9	size	size	NOUN
ajbmeb-2831	19	10	and	and	CCONJ
ajbmeb-2831	19	11	stability	stability	NOUN
ajbmeb-2831	19	12	of	of	ADP
ajbmeb-2831	19	13	their	their	PRON
ajbmeb-2831	19	14	income	income	NOUN
ajbmeb-2831	19	15	.	.	PUNCT
ajbmeb-2831	20	1	o.b	o.b	PROPN
ajbmeb-2831	20	2	.	.	PROPN
ajbmeb-2831	20	3	voloshina	voloshina	PROPN
ajbmeb-2831	20	4	(	(	PUNCT
ajbmeb-2831	20	5	2014	2014	NUM
ajbmeb-2831	20	6	)	)	PUNCT
ajbmeb-2831	20	7	the	the	DET
ajbmeb-2831	20	8	analysis	analysis	NOUN
ajbmeb-2831	20	9	of	of	ADP
ajbmeb-2831	20	10	the	the	DET
ajbmeb-2831	20	11	commercial	commercial	ADJ
ajbmeb-2831	20	12	bank	bank	NOUN
ajbmeb-2831	20	13	's	's	PART
ajbmeb-2831	20	14	income	income	NOUN
ajbmeb-2831	20	15	can	can	AUX
ajbmeb-2831	20	16	not	not	PART
ajbmeb-2831	20	17	be	be	AUX
ajbmeb-2831	20	18	done	do	VERB
ajbmeb-2831	20	19	without	without	ADP
ajbmeb-2831	20	20	evaluating	evaluate	VERB
ajbmeb-2831	20	21	it	it	PRON
ajbmeb-2831	20	22	.	.	PUNCT
ajbmeb-2831	21	1	fixed	fix	VERB
ajbmeb-2831	21	2	bank	bank	NOUN
ajbmeb-2831	21	3	earnings	earning	NOUN
ajbmeb-2831	21	4	are	be	AUX
ajbmeb-2831	21	5	earnings	earning	NOUN
ajbmeb-2831	21	6	that	that	PRON
ajbmeb-2831	21	7	remain	remain	VERB
ajbmeb-2831	21	8	virtually	virtually	ADV
ajbmeb-2831	21	9	unchanged	unchanged	ADJ
ajbmeb-2831	21	10	over	over	ADP
ajbmeb-2831	21	11	a	a	DET
ajbmeb-2831	21	12	very	very	ADV
ajbmeb-2831	21	13	long	long	ADJ
ajbmeb-2831	21	14	period	period	NOUN
ajbmeb-2831	21	15	of	of	ADP
ajbmeb-2831	21	16	time	time	NOUN
ajbmeb-2831	21	17	and	and	CCONJ
ajbmeb-2831	21	18	can	can	AUX
ajbmeb-2831	21	19	be	be	AUX
ajbmeb-2831	21	20	easily	easily	ADV
ajbmeb-2831	21	21	predicted	predict	VERB
ajbmeb-2831	21	22	for	for	ADP
ajbmeb-2831	21	23	the	the	DET
ajbmeb-2831	21	24	future	future	NOUN
ajbmeb-2831	21	25	.	.	PUNCT
ajbmeb-2831	22	1	high	high	ADJ
ajbmeb-2831	22	2	stability	stability	NOUN
ajbmeb-2831	22	3	is	be	AUX
ajbmeb-2831	22	4	primarily	primarily	ADV
ajbmeb-2831	22	5	characteristic	characteristic	ADJ
ajbmeb-2831	22	6	of	of	ADP
ajbmeb-2831	22	7	income	income	NOUN
ajbmeb-2831	22	8	from	from	ADP
ajbmeb-2831	22	9	core	core	NOUN
ajbmeb-2831	22	10	activities	activity	NOUN
ajbmeb-2831	22	11	.	.	PUNCT
ajbmeb-2831	23	1	lack	lack	NOUN
ajbmeb-2831	23	2	of	of	ADP
ajbmeb-2831	23	3	stability	stability	NOUN
ajbmeb-2831	23	4	reflects	reflect	VERB
ajbmeb-2831	23	5	the	the	DET
ajbmeb-2831	23	6	riskiness	riskiness	NOUN
ajbmeb-2831	23	7	of	of	ADP
ajbmeb-2831	23	8	the	the	DET
ajbmeb-2831	23	9	business	business	NOUN
ajbmeb-2831	23	10	.	.	PUNCT
ajbmeb-2831	24	1	the	the	PRON
ajbmeb-2831	24	2	greater	great	ADJ
ajbmeb-2831	24	3	the	the	DET
ajbmeb-2831	24	4	volatility	volatility	NOUN
ajbmeb-2831	24	5	of	of	ADP
ajbmeb-2831	24	6	earnings	earning	NOUN
ajbmeb-2831	24	7	,	,	PUNCT
ajbmeb-2831	24	8	the	the	PRON
ajbmeb-2831	24	9	lower	low	ADJ
ajbmeb-2831	24	10	the	the	DET
ajbmeb-2831	24	11	quality	quality	NOUN
ajbmeb-2831	24	12	of	of	ADP
ajbmeb-2831	24	13	earnings	earning	NOUN
ajbmeb-2831	24	14	.	.	PUNCT
ajbmeb-2831	25	1	a	a	DET
ajbmeb-2831	25	2	number	number	NOUN
ajbmeb-2831	25	3	of	of	ADP
ajbmeb-2831	25	4	calculated	calculate	VERB
ajbmeb-2831	25	5	indicators	indicator	NOUN
ajbmeb-2831	25	6	are	be	AUX
ajbmeb-2831	25	7	used	use	VERB
ajbmeb-2831	25	8	to	to	PART
ajbmeb-2831	25	9	determine	determine	VERB
ajbmeb-2831	25	10	the	the	DET
ajbmeb-2831	25	11	stability	stability	NOUN
ajbmeb-2831	25	12	of	of	ADP
ajbmeb-2831	25	13	income	income	NOUN
ajbmeb-2831	25	14	:	:	PUNCT
ajbmeb-2831	25	15	✓	✓	ADJ
ajbmeb-2831	25	16	standard	standard	ADJ
ajbmeb-2831	25	17	deviation	deviation	NOUN
ajbmeb-2831	25	18	of	of	ADP
ajbmeb-2831	25	19	income	income	NOUN
ajbmeb-2831	25	20	,	,	PUNCT
ajbmeb-2831	25	21	its	its	PRON
ajbmeb-2831	25	22	low	low	ADJ
ajbmeb-2831	25	23	value	value	NOUN
ajbmeb-2831	25	24	indicates	indicate	VERB
ajbmeb-2831	25	25	high	high	ADJ
ajbmeb-2831	25	26	quality	quality	NOUN
ajbmeb-2831	25	27	of	of	ADP
ajbmeb-2831	25	28	income	income	NOUN
ajbmeb-2831	25	29	;	;	PUNCT
ajbmeb-2831	25	30	✓	✓	ADJ
ajbmeb-2831	25	31	coefficient	coefficient	NOUN
ajbmeb-2831	25	32	of	of	ADP
ajbmeb-2831	25	33	volatility	volatility	NOUN
ajbmeb-2831	25	34	,	,	PUNCT
ajbmeb-2831	25	35	its	its	PRON
ajbmeb-2831	25	36	high	high	ADJ
ajbmeb-2831	25	37	level	level	NOUN
ajbmeb-2831	25	38	is	be	AUX
ajbmeb-2831	25	39	explained	explain	VERB
ajbmeb-2831	25	40	by	by	ADP
ajbmeb-2831	25	41	increased	increase	VERB
ajbmeb-2831	25	42	risk	risk	NOUN
ajbmeb-2831	25	43	,	,	PUNCT
ajbmeb-2831	25	44	instability	instability	NOUN
ajbmeb-2831	25	45	of	of	ADP
ajbmeb-2831	25	46	income	income	NOUN
ajbmeb-2831	25	47	.	.	PUNCT
ajbmeb-2831	26	1	according	accord	VERB
ajbmeb-2831	26	2	to	to	ADP
ajbmeb-2831	26	3	local	local	ADJ
ajbmeb-2831	26	4	economists	economist	NOUN
ajbmeb-2831	26	5	u.u.azizov	u.u.azizov	NOUN
ajbmeb-2831	26	6	,	,	PUNCT
ajbmeb-2831	26	7	t.m.karaliev	t.m.karaliev	NOUN
ajbmeb-2831	26	8	(	(	PUNCT
ajbmeb-2831	26	9	2015	2015	NUM
ajbmeb-2831	26	10	)	)	PUNCT
ajbmeb-2831	26	11	in	in	ADP
ajbmeb-2831	26	12	the	the	DET
ajbmeb-2831	26	13	textbook	textbook	NOUN
ajbmeb-2831	26	14	"	"	PUNCT
ajbmeb-2831	26	15	banking	banking	NOUN
ajbmeb-2831	26	16	"	"	PUNCT
ajbmeb-2831	26	17	the	the	DET
ajbmeb-2831	26	18	following	follow	VERB
ajbmeb-2831	26	19	types	type	NOUN
ajbmeb-2831	26	20	of	of	ADP
ajbmeb-2831	26	21	banking	banking	NOUN
ajbmeb-2831	26	22	business	business	NOUN
ajbmeb-2831	26	23	are	be	AUX
ajbmeb-2831	26	24	the	the	DET
ajbmeb-2831	26	25	source	source	NOUN
ajbmeb-2831	26	26	of	of	ADP
ajbmeb-2831	26	27	income	income	NOUN
ajbmeb-2831	26	28	of	of	ADP
ajbmeb-2831	26	29	commercial	commercial	ADJ
ajbmeb-2831	26	30	banks	bank	NOUN
ajbmeb-2831	26	31	:	:	PUNCT
ajbmeb-2831	26	32	•	•	NUM
ajbmeb-2831	26	33	loan	loan	NOUN
ajbmeb-2831	26	34	business	business	NOUN
ajbmeb-2831	26	35	;	;	PUNCT
ajbmeb-2831	26	36	•	•	NUM
ajbmeb-2831	26	37	discount	discount	NOUN
ajbmeb-2831	26	38	business	business	NOUN
ajbmeb-2831	26	39	;	;	PUNCT
ajbmeb-2831	26	40	•	•	NUM
ajbmeb-2831	26	41	securities	security	NOUN
ajbmeb-2831	26	42	business	business	NOUN
ajbmeb-2831	26	43	;	;	PUNCT
ajbmeb-2831	26	44	•	•	NUM
ajbmeb-2831	26	45	property	property	NOUN
ajbmeb-2831	26	46	and	and	CCONJ
ajbmeb-2831	26	47	asset	asset	NOUN
ajbmeb-2831	26	48	management	management	NOUN
ajbmeb-2831	26	49	business	business	NOUN
ajbmeb-2831	26	50	;	;	PUNCT
ajbmeb-2831	26	51	•	•	ADP
ajbmeb-2831	26	52	providing	provide	VERB
ajbmeb-2831	26	53	guarantees	guarantee	NOUN
ajbmeb-2831	26	54	;	;	PUNCT
ajbmeb-2831	26	55	•	•	NUM
ajbmeb-2831	26	56	activities	activity	NOUN
ajbmeb-2831	26	57	related	relate	VERB
ajbmeb-2831	26	58	to	to	ADP
ajbmeb-2831	26	59	attracting	attract	VERB
ajbmeb-2831	26	60	funds	fund	NOUN
ajbmeb-2831	26	61	to	to	ADP
ajbmeb-2831	26	62	deposits	deposit	NOUN
ajbmeb-2831	26	63	and	and	CCONJ
ajbmeb-2831	26	64	keeping	keep	VERB
ajbmeb-2831	26	65	their	their	PRON
ajbmeb-2831	26	66	accounts	account	NOUN
ajbmeb-2831	26	67	;	;	PUNCT
ajbmeb-2831	26	68	•	•	NUM
ajbmeb-2831	26	69	trade	trade	NOUN
ajbmeb-2831	26	70	brokerage	brokerage	NOUN
ajbmeb-2831	26	71	business	business	NOUN
ajbmeb-2831	26	72	.	.	PUNCT
ajbmeb-2831	27	1	the	the	DET
ajbmeb-2831	27	2	above	above	ADV
ajbmeb-2831	27	3	-	-	PUNCT
ajbmeb-2831	27	4	mentioned	mention	VERB
ajbmeb-2831	27	5	banking	banking	NOUN
ajbmeb-2831	27	6	operations	operation	NOUN
ajbmeb-2831	27	7	are	be	AUX
ajbmeb-2831	27	8	considered	consider	VERB
ajbmeb-2831	27	9	to	to	PART
ajbmeb-2831	27	10	be	be	AUX
ajbmeb-2831	27	11	of	of	ADP
ajbmeb-2831	27	12	great	great	ADJ
ajbmeb-2831	27	13	importance	importance	NOUN
ajbmeb-2831	27	14	to	to	ADP
ajbmeb-2831	27	15	the	the	DET
ajbmeb-2831	27	16	profitability	profitability	NOUN
ajbmeb-2831	27	17	of	of	ADP
ajbmeb-2831	27	18	the	the	DET
ajbmeb-2831	27	19	bank	bank	NOUN
ajbmeb-2831	27	20	's	's	PART
ajbmeb-2831	27	21	business	business	NOUN
ajbmeb-2831	27	22	models	model	NOUN
ajbmeb-2831	27	23	.	.	PUNCT
ajbmeb-2831	28	1	american	american	ADJ
ajbmeb-2831	28	2	journal	journal	PROPN
ajbmeb-2831	28	3	of	of	ADP
ajbmeb-2831	28	4	business	business	NOUN
ajbmeb-2831	28	5	management	management	NOUN
ajbmeb-2831	28	6	,	,	PUNCT
ajbmeb-2831	28	7	economics	economic	NOUN
ajbmeb-2831	28	8	and	and	CCONJ
ajbmeb-2831	28	9	banking	banking	NOUN
ajbmeb-2831	28	10	volume	volume	NOUN
ajbmeb-2831	28	11	35	35	NUM
ajbmeb-2831	28	12	april	april	PROPN
ajbmeb-2831	28	13	2025	2025	NUM
ajbmeb-2831	28	14	p	p	NOUN
ajbmeb-2831	28	15	a	a	DET
ajbmeb-2831	28	16	g	g	NOUN
ajbmeb-2831	28	17	e	e	NOUN
ajbmeb-2831	28	18	|	|	ADV
ajbmeb-2831	28	19	3	3	NUM
ajbmeb-2831	28	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2831	28	21	research	research	NOUN
ajbmeb-2831	28	22	methodology	methodology	NOUN
ajbmeb-2831	28	23	methods	method	NOUN
ajbmeb-2831	28	24	such	such	ADJ
ajbmeb-2831	28	25	as	as	ADP
ajbmeb-2831	28	26	scientific	scientific	ADJ
ajbmeb-2831	28	27	abstraction	abstraction	NOUN
ajbmeb-2831	28	28	,	,	PUNCT
ajbmeb-2831	28	29	induction	induction	NOUN
ajbmeb-2831	28	30	,	,	PUNCT
ajbmeb-2831	28	31	deduction	deduction	NOUN
ajbmeb-2831	28	32	,	,	PUNCT
ajbmeb-2831	28	33	comparison	comparison	NOUN
ajbmeb-2831	28	34	,	,	PUNCT
ajbmeb-2831	28	35	analysis	analysis	NOUN
ajbmeb-2831	28	36	and	and	CCONJ
ajbmeb-2831	28	37	synthesis	synthesis	NOUN
ajbmeb-2831	28	38	,	,	PUNCT
ajbmeb-2831	28	39	grouping	grouping	NOUN
ajbmeb-2831	28	40	were	be	AUX
ajbmeb-2831	28	41	used	use	VERB
ajbmeb-2831	28	42	during	during	ADP
ajbmeb-2831	28	43	the	the	DET
ajbmeb-2831	28	44	research	research	NOUN
ajbmeb-2831	28	45	.	.	PUNCT
ajbmeb-2831	29	1	the	the	DET
ajbmeb-2831	29	2	research	research	NOUN
ajbmeb-2831	29	3	methodology	methodology	NOUN
ajbmeb-2831	29	4	is	be	AUX
ajbmeb-2831	29	5	based	base	VERB
ajbmeb-2831	29	6	on	on	ADP
ajbmeb-2831	29	7	the	the	DET
ajbmeb-2831	29	8	identification	identification	NOUN
ajbmeb-2831	29	9	of	of	ADP
ajbmeb-2831	29	10	innovative	innovative	ADJ
ajbmeb-2831	29	11	features	feature	NOUN
ajbmeb-2831	29	12	of	of	ADP
ajbmeb-2831	29	13	fintech	fintech	NOUN
ajbmeb-2831	29	14	technologies	technology	NOUN
ajbmeb-2831	29	15	,	,	PUNCT
ajbmeb-2831	29	16	increasing	increase	VERB
ajbmeb-2831	29	17	the	the	DET
ajbmeb-2831	29	18	income	income	NOUN
ajbmeb-2831	29	19	of	of	ADP
ajbmeb-2831	29	20	banks	bank	NOUN
ajbmeb-2831	29	21	,	,	PUNCT
ajbmeb-2831	29	22	and	and	CCONJ
ajbmeb-2831	29	23	analyzing	analyze	VERB
ajbmeb-2831	29	24	the	the	DET
ajbmeb-2831	29	25	costs	cost	NOUN
ajbmeb-2831	29	26	of	of	ADP
ajbmeb-2831	29	27	digitization	digitization	NOUN
ajbmeb-2831	29	28	of	of	ADP
ajbmeb-2831	29	29	banks	bank	NOUN
ajbmeb-2831	29	30	in	in	ADP
ajbmeb-2831	29	31	the	the	DET
ajbmeb-2831	29	32	process	process	NOUN
ajbmeb-2831	29	33	of	of	ADP
ajbmeb-2831	29	34	digital	digital	ADJ
ajbmeb-2831	29	35	transformation	transformation	NOUN
ajbmeb-2831	29	36	.	.	PUNCT
ajbmeb-2831	30	1	analysis	analysis	NOUN
ajbmeb-2831	30	2	and	and	CCONJ
ajbmeb-2831	30	3	discussion	discussion	NOUN
ajbmeb-2831	30	4	of	of	ADP
ajbmeb-2831	30	5	results	result	NOUN
ajbmeb-2831	30	6	.	.	PUNCT
ajbmeb-2831	31	1	currently	currently	ADV
ajbmeb-2831	31	2	,	,	PUNCT
ajbmeb-2831	31	3	commercial	commercial	ADJ
ajbmeb-2831	31	4	banks	bank	NOUN
ajbmeb-2831	31	5	of	of	ADP
ajbmeb-2831	31	6	uzbekistan	uzbekistan	PROPN
ajbmeb-2831	31	7	are	be	AUX
ajbmeb-2831	31	8	implementing	implement	VERB
ajbmeb-2831	31	9	the	the	DET
ajbmeb-2831	31	10	process	process	NOUN
ajbmeb-2831	31	11	of	of	ADP
ajbmeb-2831	31	12	transformation	transformation	NOUN
ajbmeb-2831	31	13	throughout	throughout	ADP
ajbmeb-2831	31	14	the	the	DET
ajbmeb-2831	31	15	entire	entire	ADJ
ajbmeb-2831	31	16	system	system	NOUN
ajbmeb-2831	31	17	.	.	PUNCT
ajbmeb-2831	32	1	in	in	ADP
ajbmeb-2831	32	2	2022	2022	NUM
ajbmeb-2831	32	3	,	,	PUNCT
ajbmeb-2831	32	4	within	within	ADP
ajbmeb-2831	32	5	the	the	DET
ajbmeb-2831	32	6	framework	framework	NOUN
ajbmeb-2831	32	7	of	of	ADP
ajbmeb-2831	32	8	the	the	DET
ajbmeb-2831	32	9	strategy	strategy	NOUN
ajbmeb-2831	32	10	of	of	ADP
ajbmeb-2831	32	11	reforming	reform	VERB
ajbmeb-2831	32	12	the	the	DET
ajbmeb-2831	32	13	banking	banking	NOUN
ajbmeb-2831	32	14	system	system	NOUN
ajbmeb-2831	32	15	,	,	PUNCT
ajbmeb-2831	32	16	work	work	NOUN
ajbmeb-2831	32	17	aimed	aim	VERB
ajbmeb-2831	32	18	at	at	ADP
ajbmeb-2831	32	19	transforming	transform	VERB
ajbmeb-2831	32	20	banks	bank	NOUN
ajbmeb-2831	32	21	with	with	ADP
ajbmeb-2831	32	22	a	a	DET
ajbmeb-2831	32	23	state	state	NOUN
ajbmeb-2831	32	24	share	share	NOUN
ajbmeb-2831	32	25	was	be	AUX
ajbmeb-2831	32	26	continued	continue	VERB
ajbmeb-2831	32	27	.	.	PUNCT
ajbmeb-2831	33	1	✓	✓	ADJ
ajbmeb-2831	33	2	in	in	ADP
ajbmeb-2831	33	3	particular	particular	ADJ
ajbmeb-2831	33	4	,	,	PUNCT
ajbmeb-2831	33	5	in	in	ADP
ajbmeb-2831	33	6	order	order	NOUN
ajbmeb-2831	33	7	to	to	PART
ajbmeb-2831	33	8	increase	increase	VERB
ajbmeb-2831	33	9	the	the	DET
ajbmeb-2831	33	10	efficiency	efficiency	NOUN
ajbmeb-2831	33	11	of	of	ADP
ajbmeb-2831	33	12	corporate	corporate	ADJ
ajbmeb-2831	33	13	management	management	NOUN
ajbmeb-2831	33	14	in	in	ADP
ajbmeb-2831	33	15	state	state	NOUN
ajbmeb-2831	33	16	-	-	PUNCT
ajbmeb-2831	33	17	owned	own	VERB
ajbmeb-2831	33	18	banks	bank	NOUN
ajbmeb-2831	33	19	,	,	PUNCT
ajbmeb-2831	33	20	11	11	NUM
ajbmeb-2831	33	21	independent	independent	ADJ
ajbmeb-2831	33	22	members	member	NOUN
ajbmeb-2831	33	23	with	with	ADP
ajbmeb-2831	33	24	the	the	DET
ajbmeb-2831	33	25	necessary	necessary	ADJ
ajbmeb-2831	33	26	experience	experience	NOUN
ajbmeb-2831	33	27	in	in	ADP
ajbmeb-2831	33	28	banking	banking	NOUN
ajbmeb-2831	33	29	and	and	CCONJ
ajbmeb-2831	33	30	finance	finance	NOUN
ajbmeb-2831	33	31	were	be	AUX
ajbmeb-2831	33	32	recruited	recruit	VERB
ajbmeb-2831	33	33	in	in	ADP
ajbmeb-2831	33	34	addition	addition	NOUN
ajbmeb-2831	33	35	to	to	ADP
ajbmeb-2831	33	36	the	the	DET
ajbmeb-2831	33	37	composition	composition	NOUN
ajbmeb-2831	33	38	of	of	ADP
ajbmeb-2831	33	39	the	the	DET
ajbmeb-2831	33	40	bank	bank	NOUN
ajbmeb-2831	33	41	councils	council	NOUN
ajbmeb-2831	33	42	.	.	PUNCT
ajbmeb-2831	34	1	by	by	ADP
ajbmeb-2831	34	2	the	the	DET
ajbmeb-2831	34	3	end	end	NOUN
ajbmeb-2831	34	4	of	of	ADP
ajbmeb-2831	34	5	2022	2022	NUM
ajbmeb-2831	34	6	,	,	PUNCT
ajbmeb-2831	34	7	the	the	DET
ajbmeb-2831	34	8	number	number	NOUN
ajbmeb-2831	34	9	of	of	ADP
ajbmeb-2831	34	10	independent	independent	ADJ
ajbmeb-2831	34	11	members	member	NOUN
ajbmeb-2831	34	12	of	of	ADP
ajbmeb-2831	34	13	the	the	DET
ajbmeb-2831	34	14	banks	bank	NOUN
ajbmeb-2831	34	15	'	'	PART
ajbmeb-2831	34	16	councils	council	NOUN
ajbmeb-2831	34	17	will	will	AUX
ajbmeb-2831	34	18	be	be	AUX
ajbmeb-2831	34	19	36	36	NUM
ajbmeb-2831	34	20	,	,	PUNCT
ajbmeb-2831	34	21	including	include	VERB
ajbmeb-2831	34	22	5	5	NUM
ajbmeb-2831	34	23	each	each	PRON
ajbmeb-2831	34	24	at	at	ADP
ajbmeb-2831	34	25	uzsanoatkurilishbank	uzsanoatkurilishbank	NOUN
ajbmeb-2831	34	26	,	,	PUNCT
ajbmeb-2831	34	27	qishloq	qishloq	PROPN
ajbmeb-2831	34	28	kurilish	kurilish	PROPN
ajbmeb-2831	34	29	bank	bank	PROPN
ajbmeb-2831	34	30	,	,	PUNCT
ajbmeb-2831	34	31	agrobank	agrobank	VERB
ajbmeb-2831	34	32	,	,	PUNCT
ajbmeb-2831	34	33	4	4	NUM
ajbmeb-2831	34	34	each	each	PRON
ajbmeb-2831	34	35	at	at	ADP
ajbmeb-2831	34	36	mikrokreditbank	mikrokreditbank	ADJ
ajbmeb-2831	34	37	,	,	PUNCT
ajbmeb-2831	34	38	turon	turon	PROPN
ajbmeb-2831	34	39	bank	bank	PROPN
ajbmeb-2831	34	40	,	,	PUNCT
ajbmeb-2831	34	41	ipoteka	ipoteka	PROPN
ajbmeb-2831	34	42	-	-	PUNCT
ajbmeb-2831	34	43	bank	bank	PROPN
ajbmeb-2831	34	44	and	and	CCONJ
ajbmeb-2831	34	45	xalq	xalq	PROPN
ajbmeb-2831	34	46	bank	bank	PROPN
ajbmeb-2831	34	47	,	,	PUNCT
ajbmeb-2831	34	48	2	2	NUM
ajbmeb-2831	34	49	each	each	PRON
ajbmeb-2831	34	50	at	at	ADP
ajbmeb-2831	34	51	asakabank	asakabank	PROPN
ajbmeb-2831	34	52	and	and	CCONJ
ajbmeb-2831	34	53	milliy	milliy	ADJ
ajbmeb-2831	34	54	bank	bank	NOUN
ajbmeb-2831	34	55	,	,	PUNCT
ajbmeb-2831	34	56	and	and	CCONJ
ajbmeb-2831	34	57	1	1	NUM
ajbmeb-2831	34	58	each	each	PRON
ajbmeb-2831	34	59	at	at	ADP
ajbmeb-2831	34	60	aloqa	aloqa	PROPN
ajbmeb-2831	34	61	bank	bank	PROPN
ajbmeb-2831	34	62	.	.	PUNCT
ajbmeb-2831	35	1	organized	organize	VERB
ajbmeb-2831	35	2	.	.	PUNCT
ajbmeb-2831	36	1	the	the	DET
ajbmeb-2831	36	2	activities	activity	NOUN
ajbmeb-2831	36	3	of	of	ADP
ajbmeb-2831	36	4	corporate	corporate	ADJ
ajbmeb-2831	36	5	management	management	NOUN
ajbmeb-2831	36	6	service	service	NOUN
ajbmeb-2831	36	7	and	and	CCONJ
ajbmeb-2831	36	8	corporate	corporate	ADJ
ajbmeb-2831	36	9	consultant	consultant	NOUN
ajbmeb-2831	36	10	in	in	ADP
ajbmeb-2831	36	11	banks	bank	NOUN
ajbmeb-2831	36	12	were	be	AUX
ajbmeb-2831	36	13	revised	revise	VERB
ajbmeb-2831	36	14	based	base	VERB
ajbmeb-2831	36	15	on	on	ADP
ajbmeb-2831	36	16	new	new	ADJ
ajbmeb-2831	36	17	requirements	requirement	NOUN
ajbmeb-2831	36	18	,	,	PUNCT
ajbmeb-2831	36	19	and	and	CCONJ
ajbmeb-2831	36	20	their	their	PRON
ajbmeb-2831	36	21	practical	practical	ADJ
ajbmeb-2831	36	22	participation	participation	NOUN
ajbmeb-2831	36	23	in	in	ADP
ajbmeb-2831	36	24	the	the	DET
ajbmeb-2831	36	25	effective	effective	ADJ
ajbmeb-2831	36	26	organization	organization	NOUN
ajbmeb-2831	36	27	of	of	ADP
ajbmeb-2831	36	28	the	the	DET
ajbmeb-2831	36	29	work	work	NOUN
ajbmeb-2831	36	30	of	of	ADP
ajbmeb-2831	36	31	the	the	DET
ajbmeb-2831	36	32	supervisory	supervisory	ADJ
ajbmeb-2831	36	33	board	board	NOUN
ajbmeb-2831	36	34	was	be	AUX
ajbmeb-2831	36	35	further	far	ADV
ajbmeb-2831	36	36	increased	increase	VERB
ajbmeb-2831	36	37	.	.	PUNCT
ajbmeb-2831	37	1	(	(	PUNCT
ajbmeb-2831	37	2	uzrmb	uzrmb	PROPN
ajbmeb-2831	37	3	report	report	NOUN
ajbmeb-2831	37	4	,	,	PUNCT
ajbmeb-2831	37	5	2022	2022	NUM
ajbmeb-2831	37	6	)	)	PUNCT
ajbmeb-2831	37	7	these	these	DET
ajbmeb-2831	37	8	changes	change	NOUN
ajbmeb-2831	37	9	require	require	VERB
ajbmeb-2831	37	10	banks	bank	NOUN
ajbmeb-2831	37	11	to	to	PART
ajbmeb-2831	37	12	introduce	introduce	VERB
ajbmeb-2831	37	13	new	new	ADJ
ajbmeb-2831	37	14	types	type	NOUN
ajbmeb-2831	37	15	of	of	ADP
ajbmeb-2831	37	16	fintech	fintech	NOUN
ajbmeb-2831	37	17	technologies	technology	NOUN
ajbmeb-2831	37	18	.	.	PUNCT
ajbmeb-2831	38	1	the	the	DET
ajbmeb-2831	38	2	main	main	ADJ
ajbmeb-2831	38	3	important	important	ADJ
ajbmeb-2831	38	4	aspects	aspect	NOUN
ajbmeb-2831	38	5	of	of	ADP
ajbmeb-2831	38	6	the	the	DET
ajbmeb-2831	38	7	use	use	NOUN
ajbmeb-2831	38	8	of	of	ADP
ajbmeb-2831	38	9	fintech	fintech	NOUN
ajbmeb-2831	38	10	technologies	technology	NOUN
ajbmeb-2831	38	11	in	in	ADP
ajbmeb-2831	38	12	the	the	DET
ajbmeb-2831	38	13	banking	banking	NOUN
ajbmeb-2831	38	14	sector	sector	NOUN
ajbmeb-2831	38	15	can	can	AUX
ajbmeb-2831	38	16	include	include	VERB
ajbmeb-2831	38	17	:	:	PUNCT
ajbmeb-2831	38	18	➢	➢	AUX
ajbmeb-2831	38	19	increase	increase	VERB
ajbmeb-2831	38	20	banking	banking	NOUN
ajbmeb-2831	38	21	(	(	PUNCT
ajbmeb-2831	38	22	financial	financial	ADJ
ajbmeb-2831	38	23	)	)	PUNCT
ajbmeb-2831	38	24	capabilities	capability	NOUN
ajbmeb-2831	38	25	;	;	PUNCT
ajbmeb-2831	38	26	➢	➢	VERB
ajbmeb-2831	38	27	provision	provision	NOUN
ajbmeb-2831	38	28	of	of	ADP
ajbmeb-2831	38	29	quality	quality	NOUN
ajbmeb-2831	38	30	banking	banking	NOUN
ajbmeb-2831	38	31	services	service	NOUN
ajbmeb-2831	38	32	;	;	PUNCT
ajbmeb-2831	38	33	➢	➢	NOUN
ajbmeb-2831	38	34	reduction	reduction	NOUN
ajbmeb-2831	38	35	of	of	ADP
ajbmeb-2831	38	36	transaction	transaction	NOUN
ajbmeb-2831	38	37	costs	cost	NOUN
ajbmeb-2831	38	38	and	and	CCONJ
ajbmeb-2831	38	39	acceleration	acceleration	NOUN
ajbmeb-2831	38	40	of	of	ADP
ajbmeb-2831	38	41	implementation	implementation	NOUN
ajbmeb-2831	38	42	of	of	ADP
ajbmeb-2831	38	43	banking	banking	NOUN
ajbmeb-2831	38	44	services	service	NOUN
ajbmeb-2831	38	45	;	;	PUNCT
ajbmeb-2831	38	46	➢	➢	NOUN
ajbmeb-2831	38	47	has	have	VERB
ajbmeb-2831	38	48	a	a	DET
ajbmeb-2831	38	49	positive	positive	ADJ
ajbmeb-2831	38	50	effect	effect	NOUN
ajbmeb-2831	38	51	on	on	ADP
ajbmeb-2831	38	52	financial	financial	ADJ
ajbmeb-2831	38	53	stability	stability	NOUN
ajbmeb-2831	38	54	due	due	ADP
ajbmeb-2831	38	55	to	to	ADP
ajbmeb-2831	38	56	increased	increase	VERB
ajbmeb-2831	38	57	competition	competition	NOUN
ajbmeb-2831	38	58	the	the	DET
ajbmeb-2831	38	59	role	role	NOUN
ajbmeb-2831	38	60	of	of	ADP
ajbmeb-2831	38	61	fintech	fintech	NOUN
ajbmeb-2831	38	62	technologies	technology	NOUN
ajbmeb-2831	38	63	in	in	ADP
ajbmeb-2831	38	64	the	the	DET
ajbmeb-2831	38	65	regulation	regulation	NOUN
ajbmeb-2831	38	66	and	and	CCONJ
ajbmeb-2831	38	67	supervision	supervision	NOUN
ajbmeb-2831	38	68	of	of	ADP
ajbmeb-2831	38	69	banking	banking	NOUN
ajbmeb-2831	38	70	activities	activity	NOUN
ajbmeb-2831	38	71	is	be	AUX
ajbmeb-2831	38	72	important	important	ADJ
ajbmeb-2831	38	73	.	.	PUNCT
ajbmeb-2831	39	1	the	the	DET
ajbmeb-2831	39	2	central	central	ADJ
ajbmeb-2831	39	3	bank	bank	NOUN
ajbmeb-2831	39	4	is	be	AUX
ajbmeb-2831	39	5	paying	pay	VERB
ajbmeb-2831	39	6	special	special	ADJ
ajbmeb-2831	39	7	attention	attention	NOUN
ajbmeb-2831	39	8	to	to	ADP
ajbmeb-2831	39	9	the	the	DET
ajbmeb-2831	39	10	digitization	digitization	NOUN
ajbmeb-2831	39	11	of	of	ADP
ajbmeb-2831	39	12	banking	banking	NOUN
ajbmeb-2831	39	13	services	service	NOUN
ajbmeb-2831	39	14	as	as	ADP
ajbmeb-2831	39	15	part	part	NOUN
ajbmeb-2831	39	16	of	of	ADP
ajbmeb-2831	39	17	the	the	DET
ajbmeb-2831	39	18	work	work	NOUN
ajbmeb-2831	39	19	aimed	aim	VERB
ajbmeb-2831	39	20	at	at	ADP
ajbmeb-2831	39	21	developing	develop	VERB
ajbmeb-2831	39	22	the	the	DET
ajbmeb-2831	39	23	national	national	ADJ
ajbmeb-2831	39	24	payment	payment	NOUN
ajbmeb-2831	39	25	system	system	NOUN
ajbmeb-2831	39	26	and	and	CCONJ
ajbmeb-2831	39	27	increasing	increase	VERB
ajbmeb-2831	39	28	the	the	DET
ajbmeb-2831	39	29	popularity	popularity	NOUN
ajbmeb-2831	39	30	of	of	ADP
ajbmeb-2831	39	31	financial	financial	ADJ
ajbmeb-2831	39	32	services	service	NOUN
ajbmeb-2831	39	33	.	.	PUNCT
ajbmeb-2831	40	1	during	during	ADP
ajbmeb-2831	40	2	the	the	DET
ajbmeb-2831	40	3	reporting	reporting	NOUN
ajbmeb-2831	40	4	period	period	NOUN
ajbmeb-2831	40	5	,	,	PUNCT
ajbmeb-2831	40	6	the	the	DET
ajbmeb-2831	40	7	number	number	NOUN
ajbmeb-2831	40	8	of	of	ADP
ajbmeb-2831	40	9	users	user	NOUN
ajbmeb-2831	40	10	of	of	ADP
ajbmeb-2831	40	11	remote	remote	ADJ
ajbmeb-2831	40	12	bank	bank	PROPN
ajbmeb-2831	40	13	account	account	PROPN
ajbmeb-2831	40	14	management	management	NOUN
ajbmeb-2831	40	15	services	service	NOUN
ajbmeb-2831	40	16	increased	increase	VERB
ajbmeb-2831	40	17	by	by	ADP
ajbmeb-2831	40	18	1.5	1.5	NUM
ajbmeb-2831	40	19	times	time	NOUN
ajbmeb-2831	40	20	and	and	CCONJ
ajbmeb-2831	40	21	reached	reach	VERB
ajbmeb-2831	40	22	30	30	NUM
ajbmeb-2831	40	23	million	million	NUM
ajbmeb-2831	40	24	as	as	ADP
ajbmeb-2831	40	25	of	of	ADP
ajbmeb-2831	40	26	january	january	PROPN
ajbmeb-2831	40	27	1	1	NUM
ajbmeb-2831	40	28	,	,	PUNCT
ajbmeb-2831	40	29	2023	2023	NUM
ajbmeb-2831	40	30	.	.	PUNCT
ajbmeb-2831	41	1	in	in	ADP
ajbmeb-2831	41	2	this	this	DET
ajbmeb-2831	41	3	case	case	NOUN
ajbmeb-2831	41	4	,	,	PUNCT
ajbmeb-2831	41	5	1.2	1.2	NUM
ajbmeb-2831	41	6	million	million	NUM
ajbmeb-2831	41	7	users	user	NOUN
ajbmeb-2831	41	8	were	be	AUX
ajbmeb-2831	41	9	business	business	NOUN
ajbmeb-2831	41	10	entities	entity	NOUN
ajbmeb-2831	41	11	,	,	PUNCT
ajbmeb-2831	41	12	and	and	CCONJ
ajbmeb-2831	41	13	the	the	DET
ajbmeb-2831	41	14	number	number	NOUN
ajbmeb-2831	41	15	of	of	ADP
ajbmeb-2831	41	16	individuals	individual	NOUN
ajbmeb-2831	41	17	was	be	AUX
ajbmeb-2831	41	18	28.8	28.8	NUM
ajbmeb-2831	41	19	million	million	NUM
ajbmeb-2831	41	20	.	.	PUNCT
ajbmeb-2831	42	1	in	in	ADP
ajbmeb-2831	42	2	the	the	DET
ajbmeb-2831	42	3	reporting	reporting	NOUN
ajbmeb-2831	42	4	year	year	NOUN
ajbmeb-2831	42	5	,	,	PUNCT
ajbmeb-2831	42	6	the	the	DET
ajbmeb-2831	42	7	volume	volume	NOUN
ajbmeb-2831	42	8	of	of	ADP
ajbmeb-2831	42	9	operations	operation	NOUN
ajbmeb-2831	42	10	carried	carry	VERB
ajbmeb-2831	42	11	out	out	ADP
ajbmeb-2831	42	12	remotely	remotely	ADV
ajbmeb-2831	42	13	by	by	ADP
ajbmeb-2831	42	14	individuals	individual	NOUN
ajbmeb-2831	42	15	online	online	ADJ
ajbmeb-2831	42	16	through	through	ADP
ajbmeb-2831	42	17	the	the	DET
ajbmeb-2831	42	18	banks	bank	NOUN
ajbmeb-2831	42	19	'	'	PART
ajbmeb-2831	42	20	mobile	mobile	ADJ
ajbmeb-2831	42	21	application	application	NOUN
ajbmeb-2831	42	22	programs	program	NOUN
ajbmeb-2831	42	23	amounted	amount	VERB
ajbmeb-2831	42	24	to	to	ADP
ajbmeb-2831	42	25	145.8	145.8	NUM
ajbmeb-2831	42	26	trillion	trillion	NUM
ajbmeb-2831	42	27	soums	soum	NOUN
ajbmeb-2831	42	28	.	.	PUNCT
ajbmeb-2831	43	1	in	in	ADP
ajbmeb-2831	43	2	this	this	PRON
ajbmeb-2831	43	3	,	,	PUNCT
ajbmeb-2831	43	4	online	online	ADJ
ajbmeb-2831	43	5	deposits	deposit	NOUN
ajbmeb-2831	43	6	made	make	VERB
ajbmeb-2831	43	7	through	through	ADP
ajbmeb-2831	43	8	mobile	mobile	ADJ
ajbmeb-2831	43	9	application	application	NOUN
ajbmeb-2831	43	10	programs	program	NOUN
ajbmeb-2831	43	11	21.9	21.9	NUM
ajbmeb-2831	43	12	trillion	trillion	NUM
ajbmeb-2831	43	13	soums	soum	NOUN
ajbmeb-2831	43	14	,	,	PUNCT
ajbmeb-2831	43	15	online	online	ADJ
ajbmeb-2831	43	16	conversion	conversion	NOUN
ajbmeb-2831	43	17	operations	operation	NOUN
ajbmeb-2831	43	18	20.9	20.9	NUM
ajbmeb-2831	43	19	trillion	trillion	NUM
ajbmeb-2831	43	20	soums	soum	NOUN
ajbmeb-2831	43	21	,	,	PUNCT
ajbmeb-2831	43	22	online	online	ADJ
ajbmeb-2831	43	23	microloans	microloan	NOUN
ajbmeb-2831	43	24	5.6	5.6	NUM
ajbmeb-2831	43	25	trillion	trillion	NUM
ajbmeb-2831	43	26	soums	soum	NOUN
ajbmeb-2831	43	27	,	,	PUNCT
ajbmeb-2831	43	28	the	the	DET
ajbmeb-2831	43	29	volume	volume	NOUN
ajbmeb-2831	43	30	of	of	ADP
ajbmeb-2831	43	31	loan	loan	NOUN
ajbmeb-2831	43	32	repayments	repayment	NOUN
ajbmeb-2831	43	33	8.2	8.2	NUM
ajbmeb-2831	43	34	trillion	trillion	NUM
ajbmeb-2831	43	35	soums	soum	NOUN
ajbmeb-2831	43	36	and	and	CCONJ
ajbmeb-2831	43	37	other	other	ADJ
ajbmeb-2831	43	38	payments	payment	NOUN
ajbmeb-2831	43	39	in	in	ADP
ajbmeb-2831	43	40	order	order	NOUN
ajbmeb-2831	43	41	to	to	PART
ajbmeb-2831	43	42	expand	expand	VERB
ajbmeb-2831	43	43	the	the	DET
ajbmeb-2831	43	44	scope	scope	NOUN
ajbmeb-2831	43	45	of	of	ADP
ajbmeb-2831	43	46	making	make	VERB
ajbmeb-2831	43	47	contactless	contactless	ADJ
ajbmeb-2831	43	48	payments	payment	NOUN
ajbmeb-2831	43	49	in	in	ADP
ajbmeb-2831	43	50	the	the	DET
ajbmeb-2831	43	51	infrastructure	infrastructure	NOUN
ajbmeb-2831	43	52	of	of	ADP
ajbmeb-2831	43	53	payment	payment	NOUN
ajbmeb-2831	43	54	systems	system	NOUN
ajbmeb-2831	43	55	,	,	PUNCT
ajbmeb-2831	43	56	the	the	DET
ajbmeb-2831	43	57	central	central	ADJ
ajbmeb-2831	43	58	bank	bank	NOUN
ajbmeb-2831	43	59	,	,	PUNCT
ajbmeb-2831	43	60	together	together	ADV
ajbmeb-2831	43	61	with	with	ADP
ajbmeb-2831	43	62	all	all	DET
ajbmeb-2831	43	63	commercial	commercial	ADJ
ajbmeb-2831	43	64	banks	bank	NOUN
ajbmeb-2831	43	65	,	,	PUNCT
ajbmeb-2831	43	66	is	be	AUX
ajbmeb-2831	43	67	paying	pay	VERB
ajbmeb-2831	43	68	special	special	ADJ
ajbmeb-2831	43	69	attention	attention	NOUN
ajbmeb-2831	43	70	to	to	ADP
ajbmeb-2831	43	71	the	the	DET
ajbmeb-2831	43	72	issue	issue	NOUN
ajbmeb-2831	43	73	of	of	ADP
ajbmeb-2831	43	74	providing	provide	VERB
ajbmeb-2831	43	75	trade	trade	NOUN
ajbmeb-2831	43	76	and	and	CCONJ
ajbmeb-2831	43	77	service	service	NOUN
ajbmeb-2831	43	78	entities	entity	NOUN
ajbmeb-2831	43	79	with	with	ADP
ajbmeb-2831	43	80	payment	payment	NOUN
ajbmeb-2831	43	81	tools	tool	NOUN
ajbmeb-2831	43	82	that	that	PRON
ajbmeb-2831	43	83	allow	allow	VERB
ajbmeb-2831	43	84	making	make	VERB
ajbmeb-2831	43	85	payments	payment	NOUN
ajbmeb-2831	43	86	based	base	VERB
ajbmeb-2831	43	87	on	on	ADP
ajbmeb-2831	43	88	qr	qr	NOUN
ajbmeb-2831	43	89	-	-	PUNCT
ajbmeb-2831	43	90	code	code	NOUN
ajbmeb-2831	43	91	and	and	CCONJ
ajbmeb-2831	43	92	nfc	nfc	NOUN
ajbmeb-2831	43	93	technologies	technology	NOUN
ajbmeb-2831	43	94	.	.	PUNCT
ajbmeb-2831	44	1	american	american	ADJ
ajbmeb-2831	44	2	journal	journal	PROPN
ajbmeb-2831	44	3	of	of	ADP
ajbmeb-2831	44	4	business	business	NOUN
ajbmeb-2831	44	5	management	management	NOUN
ajbmeb-2831	44	6	,	,	PUNCT
ajbmeb-2831	44	7	economics	economic	NOUN
ajbmeb-2831	44	8	and	and	CCONJ
ajbmeb-2831	44	9	banking	banking	NOUN
ajbmeb-2831	44	10	volume	volume	NOUN
ajbmeb-2831	44	11	35	35	NUM
ajbmeb-2831	44	12	april	april	PROPN
ajbmeb-2831	44	13	2025	2025	NUM
ajbmeb-2831	44	14	p	p	NOUN
ajbmeb-2831	44	15	a	a	DET
ajbmeb-2831	44	16	g	g	NOUN
ajbmeb-2831	44	17	e	e	NOUN
ajbmeb-2831	44	18	|	|	ADV
ajbmeb-2831	44	19	4	4	NUM
ajbmeb-2831	44	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2831	44	21	figure	figure	NOUN
ajbmeb-2831	44	22	1	1	NUM
ajbmeb-2831	44	23	.	.	PUNCT
ajbmeb-2831	45	1	the	the	DET
ajbmeb-2831	45	2	number	number	NOUN
ajbmeb-2831	45	3	and	and	CCONJ
ajbmeb-2831	45	4	volume	volume	NOUN
ajbmeb-2831	45	5	of	of	ADP
ajbmeb-2831	45	6	transactions	transaction	NOUN
ajbmeb-2831	45	7	made	make	VERB
ajbmeb-2831	45	8	in	in	ADP
ajbmeb-2831	45	9	the	the	DET
ajbmeb-2831	45	10	qr	qr	ADJ
ajbmeb-2831	45	11	-	-	PUNCT
ajbmeb-2831	45	12	online	online	ADJ
ajbmeb-2831	45	13	system	system	NOUN
ajbmeb-2831	45	14	.	.	PUNCT
ajbmeb-2831	46	1	(	(	PUNCT
ajbmeb-2831	46	2	uzrmb	uzrmb	PROPN
ajbmeb-2831	46	3	report	report	NOUN
ajbmeb-2831	46	4	,	,	PUNCT
ajbmeb-2831	46	5	2023	2023	NUM
ajbmeb-2831	46	6	)	)	PUNCT
ajbmeb-2831	46	7	the	the	DET
ajbmeb-2831	46	8	"	"	PUNCT
ajbmeb-2831	46	9	qr	qr	ADJ
ajbmeb-2831	46	10	-	-	PUNCT
ajbmeb-2831	46	11	online	online	ADJ
ajbmeb-2831	46	12	"	"	PUNCT
ajbmeb-2831	46	13	system	system	NOUN
ajbmeb-2831	46	14	,	,	PUNCT
ajbmeb-2831	46	15	which	which	PRON
ajbmeb-2831	46	16	was	be	AUX
ajbmeb-2831	46	17	launched	launch	VERB
ajbmeb-2831	46	18	in	in	ADP
ajbmeb-2831	46	19	order	order	NOUN
ajbmeb-2831	46	20	to	to	PART
ajbmeb-2831	46	21	make	make	VERB
ajbmeb-2831	46	22	quick	quick	ADJ
ajbmeb-2831	46	23	payments	payment	NOUN
ajbmeb-2831	46	24	for	for	ADP
ajbmeb-2831	46	25	goods	good	NOUN
ajbmeb-2831	46	26	and	and	CCONJ
ajbmeb-2831	46	27	services	service	NOUN
ajbmeb-2831	46	28	using	use	VERB
ajbmeb-2831	46	29	mobile	mobile	ADJ
ajbmeb-2831	46	30	applications	application	NOUN
ajbmeb-2831	46	31	using	use	VERB
ajbmeb-2831	46	32	a	a	DET
ajbmeb-2831	46	33	qr	qr	NOUN
ajbmeb-2831	46	34	code	code	NOUN
ajbmeb-2831	46	35	without	without	ADP
ajbmeb-2831	46	36	directly	directly	ADV
ajbmeb-2831	46	37	using	use	VERB
ajbmeb-2831	46	38	a	a	DET
ajbmeb-2831	46	39	bank	bank	NOUN
ajbmeb-2831	46	40	card	card	NOUN
ajbmeb-2831	46	41	and	and	CCONJ
ajbmeb-2831	46	42	payment	payment	NOUN
ajbmeb-2831	46	43	terminal	terminal	NOUN
ajbmeb-2831	46	44	,	,	PUNCT
ajbmeb-2831	46	45	is	be	AUX
ajbmeb-2831	46	46	gaining	gain	VERB
ajbmeb-2831	46	47	popularity	popularity	NOUN
ajbmeb-2831	46	48	.	.	PUNCT
ajbmeb-2831	47	1	in	in	ADP
ajbmeb-2831	47	2	2022	2022	NUM
ajbmeb-2831	47	3	,	,	PUNCT
ajbmeb-2831	47	4	the	the	DET
ajbmeb-2831	47	5	number	number	NOUN
ajbmeb-2831	47	6	of	of	ADP
ajbmeb-2831	47	7	qr	qr	NOUN
ajbmeb-2831	47	8	-	-	PUNCT
ajbmeb-2831	47	9	codes	code	NOUN
ajbmeb-2831	47	10	provided	provide	VERB
ajbmeb-2831	47	11	to	to	ADP
ajbmeb-2831	47	12	business	business	NOUN
ajbmeb-2831	47	13	entities	entity	NOUN
ajbmeb-2831	47	14	by	by	ADP
ajbmeb-2831	47	15	the	the	DET
ajbmeb-2831	47	16	"	"	PUNCT
ajbmeb-2831	47	17	qronline	qronline	ADJ
ajbmeb-2831	47	18	"	"	PUNCT
ajbmeb-2831	47	19	information	information	NOUN
ajbmeb-2831	47	20	system	system	NOUN
ajbmeb-2831	47	21	increased	increase	VERB
ajbmeb-2831	47	22	by	by	ADP
ajbmeb-2831	47	23	8	8	NUM
ajbmeb-2831	47	24	thousand	thousand	NUM
ajbmeb-2831	47	25	to	to	PART
ajbmeb-2831	47	26	99	99	NUM
ajbmeb-2831	47	27	thousand	thousand	NUM
ajbmeb-2831	47	28	compared	compare	VERB
ajbmeb-2831	47	29	to	to	ADP
ajbmeb-2831	47	30	2021	2021	NUM
ajbmeb-2831	47	31	,	,	PUNCT
ajbmeb-2831	47	32	and	and	CCONJ
ajbmeb-2831	47	33	the	the	DET
ajbmeb-2831	47	34	amount	amount	NOUN
ajbmeb-2831	47	35	of	of	ADP
ajbmeb-2831	47	36	transactions	transaction	NOUN
ajbmeb-2831	47	37	increased	increase	VERB
ajbmeb-2831	47	38	by	by	ADP
ajbmeb-2831	47	39	almost	almost	ADV
ajbmeb-2831	47	40	13	13	NUM
ajbmeb-2831	47	41	times	time	NOUN
ajbmeb-2831	47	42	to	to	ADP
ajbmeb-2831	47	43	191.6	191.6	NUM
ajbmeb-2831	47	44	billion	billion	NUM
ajbmeb-2831	47	45	soums	soum	NOUN
ajbmeb-2831	47	46	.	.	PUNCT
ajbmeb-2831	48	1	at	at	ADP
ajbmeb-2831	48	2	the	the	DET
ajbmeb-2831	48	3	same	same	ADJ
ajbmeb-2831	48	4	time	time	NOUN
ajbmeb-2831	48	5	,	,	PUNCT
ajbmeb-2831	48	6	as	as	ADP
ajbmeb-2831	48	7	part	part	NOUN
ajbmeb-2831	48	8	of	of	ADP
ajbmeb-2831	48	9	the	the	DET
ajbmeb-2831	48	10	expansion	expansion	NOUN
ajbmeb-2831	48	11	of	of	ADP
ajbmeb-2831	48	12	contactless	contactless	ADJ
ajbmeb-2831	48	13	payment	payment	NOUN
ajbmeb-2831	48	14	technology	technology	NOUN
ajbmeb-2831	48	15	,	,	PUNCT
ajbmeb-2831	48	16	the	the	DET
ajbmeb-2831	48	17	service	service	NOUN
ajbmeb-2831	48	18	of	of	ADP
ajbmeb-2831	48	19	making	make	VERB
ajbmeb-2831	48	20	payments	payment	NOUN
ajbmeb-2831	48	21	for	for	ADP
ajbmeb-2831	48	22	trade	trade	NOUN
ajbmeb-2831	48	23	and	and	CCONJ
ajbmeb-2831	48	24	paid	pay	VERB
ajbmeb-2831	48	25	services	service	NOUN
ajbmeb-2831	48	26	without	without	ADP
ajbmeb-2831	48	27	using	use	VERB
ajbmeb-2831	48	28	a	a	DET
ajbmeb-2831	48	29	bank	bank	NOUN
ajbmeb-2831	48	30	card	card	NOUN
ajbmeb-2831	48	31	through	through	ADP
ajbmeb-2831	48	32	the	the	DET
ajbmeb-2831	48	33	"	"	PUNCT
ajbmeb-2831	48	34	humo	humo	ADJ
ajbmeb-2831	48	35	pay	pay	NOUN
ajbmeb-2831	48	36	"	"	PUNCT
ajbmeb-2831	48	37	program	program	NOUN
ajbmeb-2831	48	38	(	(	PUNCT
ajbmeb-2831	48	39	nfc	nfc	NOUN
ajbmeb-2831	48	40	system	system	NOUN
ajbmeb-2831	48	41	of	of	ADP
ajbmeb-2831	48	42	a	a	DET
ajbmeb-2831	48	43	smartphone	smartphone	NOUN
ajbmeb-2831	48	44	)	)	PUNCT
ajbmeb-2831	48	45	is	be	AUX
ajbmeb-2831	48	46	being	be	AUX
ajbmeb-2831	48	47	provided	provide	VERB
ajbmeb-2831	48	48	through	through	ADP
ajbmeb-2831	48	49	the	the	DET
ajbmeb-2831	48	50	mobile	mobile	ADJ
ajbmeb-2831	48	51	applications	application	NOUN
ajbmeb-2831	48	52	of	of	ADP
ajbmeb-2831	48	53	21	21	NUM
ajbmeb-2831	48	54	commercial	commercial	ADJ
ajbmeb-2831	48	55	banks	bank	NOUN
ajbmeb-2831	48	56	.	.	PUNCT
ajbmeb-2831	49	1	as	as	ADP
ajbmeb-2831	49	2	of	of	ADP
ajbmeb-2831	49	3	january	january	PROPN
ajbmeb-2831	49	4	1	1	NUM
ajbmeb-2831	49	5	,	,	PUNCT
ajbmeb-2831	49	6	2023	2023	NUM
ajbmeb-2831	49	7	,	,	PUNCT
ajbmeb-2831	49	8	the	the	DET
ajbmeb-2831	49	9	number	number	NOUN
ajbmeb-2831	49	10	of	of	ADP
ajbmeb-2831	49	11	subjects	subject	NOUN
ajbmeb-2831	49	12	using	use	VERB
ajbmeb-2831	49	13	the	the	DET
ajbmeb-2831	49	14	services	service	NOUN
ajbmeb-2831	49	15	of	of	ADP
ajbmeb-2831	49	16	the	the	DET
ajbmeb-2831	49	17	tap	tap	NOUN
ajbmeb-2831	49	18	-	-	PUNCT
ajbmeb-2831	49	19	to	to	ADP
ajbmeb-2831	49	20	-	-	PUNCT
ajbmeb-2831	49	21	phone	phone	NOUN
ajbmeb-2831	49	22	system	system	NOUN
ajbmeb-2831	49	23	(	(	PUNCT
ajbmeb-2831	49	24	which	which	PRON
ajbmeb-2831	49	25	allows	allow	VERB
ajbmeb-2831	49	26	receiving	receive	VERB
ajbmeb-2831	49	27	payments	payment	NOUN
ajbmeb-2831	49	28	like	like	ADP
ajbmeb-2831	49	29	a	a	DET
ajbmeb-2831	49	30	payment	payment	NOUN
ajbmeb-2831	49	31	terminal	terminal	NOUN
ajbmeb-2831	49	32	)	)	PUNCT
ajbmeb-2831	49	33	has	have	AUX
ajbmeb-2831	49	34	increased	increase	VERB
ajbmeb-2831	49	35	from	from	ADP
ajbmeb-2831	49	36	2,300	2,300	NUM
ajbmeb-2831	49	37	as	as	ADP
ajbmeb-2831	49	38	of	of	ADP
ajbmeb-2831	49	39	january	january	PROPN
ajbmeb-2831	49	40	1	1	NUM
ajbmeb-2831	49	41	,	,	PUNCT
ajbmeb-2831	49	42	2023	2023	NUM
ajbmeb-2831	49	43	.	.	PUNCT
ajbmeb-2831	50	1	from	from	ADP
ajbmeb-2831	50	2	the	the	DET
ajbmeb-2831	50	3	above	above	ADJ
ajbmeb-2831	50	4	data	datum	NOUN
ajbmeb-2831	50	5	,	,	PUNCT
ajbmeb-2831	50	6	we	we	PRON
ajbmeb-2831	50	7	can	can	AUX
ajbmeb-2831	50	8	see	see	VERB
ajbmeb-2831	50	9	that	that	SCONJ
ajbmeb-2831	50	10	over	over	ADP
ajbmeb-2831	50	11	the	the	DET
ajbmeb-2831	50	12	past	past	ADJ
ajbmeb-2831	50	13	years	year	NOUN
ajbmeb-2831	50	14	,	,	PUNCT
ajbmeb-2831	50	15	commercial	commercial	ADJ
ajbmeb-2831	50	16	banks	bank	NOUN
ajbmeb-2831	50	17	have	have	AUX
ajbmeb-2831	50	18	increased	increase	VERB
ajbmeb-2831	50	19	the	the	DET
ajbmeb-2831	50	20	types	type	NOUN
ajbmeb-2831	50	21	of	of	ADP
ajbmeb-2831	50	22	banking	banking	NOUN
ajbmeb-2831	50	23	services	service	NOUN
ajbmeb-2831	50	24	with	with	ADP
ajbmeb-2831	50	25	the	the	DET
ajbmeb-2831	50	26	help	help	NOUN
ajbmeb-2831	50	27	of	of	ADP
ajbmeb-2831	50	28	fintech	fintech	NOUN
ajbmeb-2831	50	29	technologies	technology	NOUN
ajbmeb-2831	50	30	,	,	PUNCT
ajbmeb-2831	50	31	improved	improve	VERB
ajbmeb-2831	50	32	the	the	DET
ajbmeb-2831	50	33	quality	quality	NOUN
ajbmeb-2831	50	34	of	of	ADP
ajbmeb-2831	50	35	service	service	NOUN
ajbmeb-2831	50	36	,	,	PUNCT
ajbmeb-2831	50	37	and	and	CCONJ
ajbmeb-2831	50	38	at	at	ADP
ajbmeb-2831	50	39	the	the	DET
ajbmeb-2831	50	40	same	same	ADJ
ajbmeb-2831	50	41	time	time	NOUN
ajbmeb-2831	50	42	,	,	PUNCT
ajbmeb-2831	50	43	it	it	PRON
ajbmeb-2831	50	44	was	be	AUX
ajbmeb-2831	50	45	an	an	DET
ajbmeb-2831	50	46	important	important	ADJ
ajbmeb-2831	50	47	impetus	impetus	NOUN
ajbmeb-2831	50	48	to	to	PART
ajbmeb-2831	50	49	expand	expand	VERB
ajbmeb-2831	50	50	the	the	DET
ajbmeb-2831	50	51	bank	bank	NOUN
ajbmeb-2831	50	52	's	's	PART
ajbmeb-2831	50	53	income	income	NOUN
ajbmeb-2831	50	54	.	.	PUNCT
ajbmeb-2831	51	1	commercial	commercial	ADJ
ajbmeb-2831	51	2	banks	bank	NOUN
ajbmeb-2831	51	3	are	be	AUX
ajbmeb-2831	51	4	also	also	ADV
ajbmeb-2831	51	5	offering	offer	VERB
ajbmeb-2831	51	6	new	new	ADJ
ajbmeb-2831	51	7	types	type	NOUN
ajbmeb-2831	51	8	of	of	ADP
ajbmeb-2831	51	9	banking	banking	NOUN
ajbmeb-2831	51	10	services	service	NOUN
ajbmeb-2831	51	11	,	,	PUNCT
ajbmeb-2831	51	12	digitized	digitize	VERB
ajbmeb-2831	51	13	banking	banking	NOUN
ajbmeb-2831	51	14	platforms	platform	NOUN
ajbmeb-2831	51	15	,	,	PUNCT
ajbmeb-2831	51	16	to	to	PART
ajbmeb-2831	51	17	expand	expand	VERB
ajbmeb-2831	51	18	their	their	PRON
ajbmeb-2831	51	19	revenue	revenue	NOUN
ajbmeb-2831	51	20	base	base	NOUN
ajbmeb-2831	51	21	.	.	PUNCT
ajbmeb-2831	52	1	in	in	ADP
ajbmeb-2831	52	2	particular	particular	ADJ
ajbmeb-2831	52	3	:	:	PUNCT
ajbmeb-2831	52	4	in	in	ADP
ajbmeb-2831	52	5	turon	turon	PROPN
ajbmeb-2831	52	6	bank	bank	PROPN
ajbmeb-2831	52	7	,	,	PUNCT
ajbmeb-2831	52	8	a	a	DET
ajbmeb-2831	52	9	system	system	NOUN
ajbmeb-2831	52	10	for	for	ADP
ajbmeb-2831	52	11	allocating	allocate	VERB
ajbmeb-2831	52	12	loans	loan	NOUN
ajbmeb-2831	52	13	to	to	ADP
ajbmeb-2831	52	14	legal	legal	ADJ
ajbmeb-2831	52	15	entities	entity	NOUN
ajbmeb-2831	52	16	and	and	CCONJ
ajbmeb-2831	52	17	non	non	ADJ
ajbmeb-2831	52	18	-	-	ADJ
ajbmeb-2831	52	19	legal	legal	ADJ
ajbmeb-2831	52	20	entities	entity	NOUN
ajbmeb-2831	52	21	through	through	ADP
ajbmeb-2831	52	22	the	the	DET
ajbmeb-2831	52	23	"	"	PUNCT
ajbmeb-2831	52	24	colvir	colvir	ADJ
ajbmeb-2831	52	25	analytical	analytical	ADJ
ajbmeb-2831	52	26	platform	platform	NOUN
ajbmeb-2831	52	27	(	(	PUNCT
ajbmeb-2831	52	28	kfo	kfo	PROPN
ajbmeb-2831	52	29	)	)	PUNCT
ajbmeb-2831	52	30	"	"	PUNCT
ajbmeb-2831	52	31	program	program	NOUN
ajbmeb-2831	52	32	has	have	AUX
ajbmeb-2831	52	33	been	be	AUX
ajbmeb-2831	52	34	established	establish	VERB
ajbmeb-2831	52	35	,	,	PUNCT
ajbmeb-2831	52	36	while	while	SCONJ
ajbmeb-2831	52	37	in	in	ADP
ajbmeb-2831	52	38	qishloq	qishloq	PROPN
ajbmeb-2831	52	39	kirilish	kirilish	PROPN
ajbmeb-2831	52	40	bank	bank	PROPN
ajbmeb-2831	52	41	,	,	PUNCT
ajbmeb-2831	52	42	a	a	DET
ajbmeb-2831	52	43	new	new	ADJ
ajbmeb-2831	52	44	mobile	mobile	ADJ
ajbmeb-2831	52	45	platform	platform	NOUN
ajbmeb-2831	52	46	"	"	PUNCT
ajbmeb-2831	52	47	quant	quant	NOUN
ajbmeb-2831	52	48	"	"	PUNCT
ajbmeb-2831	52	49	has	have	AUX
ajbmeb-2831	52	50	been	be	AUX
ajbmeb-2831	52	51	developed	develop	VERB
ajbmeb-2831	52	52	based	base	VERB
ajbmeb-2831	52	53	on	on	ADP
ajbmeb-2831	52	54	modern	modern	ADJ
ajbmeb-2831	52	55	information	information	NOUN
ajbmeb-2831	52	56	technologies	technology	NOUN
ajbmeb-2831	52	57	,	,	PUNCT
ajbmeb-2831	52	58	with	with	ADP
ajbmeb-2831	52	59	the	the	DET
ajbmeb-2831	52	60	help	help	NOUN
ajbmeb-2831	52	61	of	of	ADP
ajbmeb-2831	52	62	which	which	PRON
ajbmeb-2831	52	63	the	the	DET
ajbmeb-2831	52	64	bank	bank	NOUN
ajbmeb-2831	52	65	details	detail	VERB
ajbmeb-2831	52	66	making	make	VERB
ajbmeb-2831	52	67	payments	payment	NOUN
ajbmeb-2831	52	68	,	,	PUNCT
ajbmeb-2831	52	69	withdrawing	withdraw	VERB
ajbmeb-2831	52	70	cash	cash	NOUN
ajbmeb-2831	52	71	from	from	ADP
ajbmeb-2831	52	72	atms	atms	NOUN
ajbmeb-2831	52	73	without	without	ADP
ajbmeb-2831	52	74	using	use	VERB
ajbmeb-2831	52	75	a	a	DET
ajbmeb-2831	52	76	bank	bank	NOUN
ajbmeb-2831	52	77	card	card	NOUN
ajbmeb-2831	52	78	,	,	PUNCT
ajbmeb-2831	52	79	and	and	CCONJ
ajbmeb-2831	52	80	a	a	DET
ajbmeb-2831	52	81	number	number	NOUN
ajbmeb-2831	52	82	of	of	ADP
ajbmeb-2831	52	83	similar	similar	ADJ
ajbmeb-2831	52	84	additional	additional	ADJ
ajbmeb-2831	52	85	possibilities	possibility	NOUN
ajbmeb-2831	52	86	have	have	AUX
ajbmeb-2831	52	87	been	be	AUX
ajbmeb-2831	52	88	created	create	VERB
ajbmeb-2831	52	89	.	.	PUNCT
ajbmeb-2831	53	1	the	the	DET
ajbmeb-2831	53	2	changes	change	NOUN
ajbmeb-2831	53	3	made	make	VERB
ajbmeb-2831	53	4	in	in	ADP
ajbmeb-2831	53	5	the	the	DET
ajbmeb-2831	53	6	process	process	NOUN
ajbmeb-2831	53	7	of	of	ADP
ajbmeb-2831	53	8	business	business	NOUN
ajbmeb-2831	53	9	transformation	transformation	NOUN
ajbmeb-2831	53	10	of	of	ADP
ajbmeb-2831	53	11	commercial	commercial	ADJ
ajbmeb-2831	53	12	banks	bank	NOUN
ajbmeb-2831	53	13	will	will	AUX
ajbmeb-2831	53	14	certainly	certainly	ADV
ajbmeb-2831	53	15	not	not	PART
ajbmeb-2831	53	16	affect	affect	VERB
ajbmeb-2831	53	17	the	the	DET
ajbmeb-2831	53	18	bank	bank	NOUN
ajbmeb-2831	53	19	's	's	PART
ajbmeb-2831	53	20	income	income	NOUN
ajbmeb-2831	53	21	,	,	PUNCT
ajbmeb-2831	53	22	i.e.	i.e.	X
ajbmeb-2831	53	23	interest	interest	NOUN
ajbmeb-2831	53	24	and	and	CCONJ
ajbmeb-2831	53	25	non	non	ADJ
ajbmeb-2831	53	26	-	-	ADJ
ajbmeb-2831	53	27	interest	interest	ADJ
ajbmeb-2831	53	28	income	income	NOUN
ajbmeb-2831	53	29	.	.	PUNCT
ajbmeb-2831	54	1	in	in	ADP
ajbmeb-2831	54	2	particular	particular	ADJ
ajbmeb-2831	54	3	,	,	PUNCT
ajbmeb-2831	54	4	we	we	PRON
ajbmeb-2831	54	5	will	will	AUX
ajbmeb-2831	54	6	consider	consider	VERB
ajbmeb-2831	54	7	these	these	DET
ajbmeb-2831	54	8	changes	change	NOUN
ajbmeb-2831	54	9	in	in	ADP
ajbmeb-2831	54	10	the	the	DET
ajbmeb-2831	54	11	example	example	NOUN
ajbmeb-2831	54	12	of	of	ADP
ajbmeb-2831	54	13	tif	tif	PROPN
ajbmeb-2831	54	14	national	national	PROPN
ajbmeb-2831	54	15	bank	bank	PROPN
ajbmeb-2831	54	16	.	.	PUNCT
ajbmeb-2831	55	1	american	american	PROPN
ajbmeb-2831	55	2	journal	journal	PROPN
ajbmeb-2831	55	3	of	of	ADP
ajbmeb-2831	55	4	business	business	NOUN
ajbmeb-2831	55	5	management	management	NOUN
ajbmeb-2831	55	6	,	,	PUNCT
ajbmeb-2831	55	7	economics	economic	NOUN
ajbmeb-2831	55	8	and	and	CCONJ
ajbmeb-2831	55	9	banking	banking	NOUN
ajbmeb-2831	55	10	volume	volume	NOUN
ajbmeb-2831	55	11	35	35	NUM
ajbmeb-2831	55	12	april	april	PROPN
ajbmeb-2831	55	13	2025	2025	NUM
ajbmeb-2831	55	14	p	p	NOUN
ajbmeb-2831	55	15	a	a	DET
ajbmeb-2831	55	16	g	g	NOUN
ajbmeb-2831	55	17	e	e	NOUN
ajbmeb-2831	55	18	|	|	ADV
ajbmeb-2831	55	19	5	5	NUM
ajbmeb-2831	55	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2831	55	21	table	table	NOUN
ajbmeb-2831	55	22	1	1	NUM
ajbmeb-2831	55	23	dynamics	dynamic	NOUN
ajbmeb-2831	55	24	of	of	ADP
ajbmeb-2831	55	25	interest	interest	NOUN
ajbmeb-2831	55	26	income	income	NOUN
ajbmeb-2831	55	27	of	of	ADP
ajbmeb-2831	55	28	tif	tif	PROPN
ajbmeb-2831	55	29	national	national	PROPN
ajbmeb-2831	55	30	bank	bank	PROPN
ajbmeb-2831	55	31	(	(	PUNCT
ajbmeb-2831	55	32	in	in	ADP
ajbmeb-2831	55	33	billion	billion	NUM
ajbmeb-2831	55	34	sums	sum	NOUN
ajbmeb-2831	55	35	)	)	PUNCT
ajbmeb-2831	55	36	№	№	NOUN
ajbmeb-2831	55	37	кўрсаткичлар	кўрсаткичлар	VERB
ajbmeb-2831	55	38	31.12.2019	31.12.2019	NUM
ajbmeb-2831	55	39	31.12.2020	31.12.2020	PROPN
ajbmeb-2831	55	40	31.12.2021	31.12.2021	NUM
ajbmeb-2831	55	41	31.12.2022	31.12.2022	NOUN
ajbmeb-2831	55	42	31.12.2023	31.12.2023	NUM
ajbmeb-2831	55	43	1	1	NUM
ajbmeb-2831	55	44	фоизли	фоизли	NOUN
ajbmeb-2831	55	45	даромад	даромад	NOUN
ajbmeb-2831	55	46	4	4	NUM
ajbmeb-2831	55	47	376	376	NUM
ajbmeb-2831	55	48	5	5	NUM
ajbmeb-2831	55	49	922	922	NUM
ajbmeb-2831	55	50	6	6	NUM
ajbmeb-2831	55	51	321	321	NUM
ajbmeb-2831	55	52	10	10	NUM
ajbmeb-2831	55	53	610	610	NUM
ajbmeb-2831	55	54	12	12	NUM
ajbmeb-2831	55	55	804	804	NUM
ajbmeb-2831	55	56	2	2	NUM
ajbmeb-2831	55	57	фоизсиз	фоизсиз	NOUN
ajbmeb-2831	55	58	даромад	даромад	NOUN
ajbmeb-2831	55	59	1	1	NUM
ajbmeb-2831	55	60	603	603	NUM
ajbmeb-2831	55	61	1	1	NUM
ajbmeb-2831	55	62	679	679	NUM
ajbmeb-2831	55	63	2	2	NUM
ajbmeb-2831	55	64	638	638	NUM
ajbmeb-2831	55	65	5	5	NUM
ajbmeb-2831	55	66	107	107	NUM
ajbmeb-2831	55	67	7	7	NUM
ajbmeb-2831	55	68	278	278	NUM
ajbmeb-2831	55	69	3	3	NUM
ajbmeb-2831	55	70	жами	жами	NOUN
ajbmeb-2831	55	71	даромадлар	даромадлар	ADJ
ajbmeb-2831	55	72	5	5	NUM
ajbmeb-2831	55	73	979	979	NUM
ajbmeb-2831	55	74	7	7	NUM
ajbmeb-2831	55	75	601	601	NUM
ajbmeb-2831	55	76	8	8	NUM
ajbmeb-2831	55	77	959	959	NUM
ajbmeb-2831	55	78	15	15	NUM
ajbmeb-2831	55	79	717	717	NUM
ajbmeb-2831	55	80	20	20	NUM
ajbmeb-2831	55	81	082	082	NUM
ajbmeb-2831	55	82	as	as	SCONJ
ajbmeb-2831	55	83	can	can	AUX
ajbmeb-2831	55	84	be	be	AUX
ajbmeb-2831	55	85	seen	see	VERB
ajbmeb-2831	55	86	from	from	ADP
ajbmeb-2831	55	87	the	the	DET
ajbmeb-2831	55	88	data	datum	NOUN
ajbmeb-2831	55	89	,	,	PUNCT
ajbmeb-2831	55	90	the	the	DET
ajbmeb-2831	55	91	main	main	ADJ
ajbmeb-2831	55	92	part	part	NOUN
ajbmeb-2831	55	93	of	of	ADP
ajbmeb-2831	55	94	the	the	DET
ajbmeb-2831	55	95	income	income	NOUN
ajbmeb-2831	55	96	of	of	ADP
ajbmeb-2831	55	97	the	the	DET
ajbmeb-2831	55	98	banks	bank	NOUN
ajbmeb-2831	55	99	operating	operate	VERB
ajbmeb-2831	55	100	in	in	ADP
ajbmeb-2831	55	101	our	our	PRON
ajbmeb-2831	55	102	banking	banking	NOUN
ajbmeb-2831	55	103	system	system	NOUN
ajbmeb-2831	55	104	is	be	AUX
ajbmeb-2831	55	105	the	the	DET
ajbmeb-2831	55	106	interest	interest	NOUN
ajbmeb-2831	55	107	income	income	NOUN
ajbmeb-2831	55	108	.	.	PUNCT
ajbmeb-2831	56	1	the	the	DET
ajbmeb-2831	56	2	share	share	NOUN
ajbmeb-2831	56	3	of	of	ADP
ajbmeb-2831	56	4	interest	interest	NOUN
ajbmeb-2831	56	5	income	income	NOUN
ajbmeb-2831	56	6	in	in	ADP
ajbmeb-2831	56	7	total	total	ADJ
ajbmeb-2831	56	8	income	income	NOUN
ajbmeb-2831	56	9	was	be	AUX
ajbmeb-2831	56	10	4,376	4,376	NUM
ajbmeb-2831	56	11	billion	billion	NUM
ajbmeb-2831	56	12	soums	soum	NOUN
ajbmeb-2831	56	13	in	in	ADP
ajbmeb-2831	56	14	2019	2019	NUM
ajbmeb-2831	56	15	,	,	PUNCT
ajbmeb-2831	56	16	and	and	CCONJ
ajbmeb-2831	56	17	12,804	12,804	NUM
ajbmeb-2831	56	18	billion	billion	NUM
ajbmeb-2831	56	19	soums	soum	NOUN
ajbmeb-2831	56	20	by	by	ADP
ajbmeb-2831	56	21	2023	2023	NUM
ajbmeb-2831	56	22	.	.	PUNCT
ajbmeb-2831	57	1	we	we	PRON
ajbmeb-2831	57	2	can	can	AUX
ajbmeb-2831	57	3	see	see	VERB
ajbmeb-2831	57	4	that	that	SCONJ
ajbmeb-2831	57	5	it	it	PRON
ajbmeb-2831	57	6	will	will	AUX
ajbmeb-2831	57	7	increase	increase	VERB
ajbmeb-2831	57	8	by	by	ADP
ajbmeb-2831	57	9	3	3	NUM
ajbmeb-2831	57	10	times	time	NOUN
ajbmeb-2831	57	11	compared	compare	VERB
ajbmeb-2831	57	12	to	to	ADP
ajbmeb-2831	57	13	the	the	DET
ajbmeb-2831	57	14	previous	previous	ADJ
ajbmeb-2831	57	15	period	period	NOUN
ajbmeb-2831	57	16	.	.	PUNCT
ajbmeb-2831	58	1	similarly	similarly	ADV
ajbmeb-2831	58	2	,	,	PUNCT
ajbmeb-2831	58	3	we	we	PRON
ajbmeb-2831	58	4	can	can	AUX
ajbmeb-2831	58	5	see	see	VERB
ajbmeb-2831	58	6	the	the	DET
ajbmeb-2831	58	7	increase	increase	NOUN
ajbmeb-2831	58	8	in	in	ADP
ajbmeb-2831	58	9	non	non	ADJ
ajbmeb-2831	58	10	-	-	ADJ
ajbmeb-2831	58	11	interest	interest	ADJ
ajbmeb-2831	58	12	income	income	NOUN
ajbmeb-2831	58	13	of	of	ADP
ajbmeb-2831	58	14	the	the	DET
ajbmeb-2831	58	15	bank	bank	NOUN
ajbmeb-2831	58	16	.	.	PUNCT
ajbmeb-2831	59	1	in	in	ADP
ajbmeb-2831	59	2	2019	2019	NUM
ajbmeb-2831	59	3	,	,	PUNCT
ajbmeb-2831	59	4	it	it	PRON
ajbmeb-2831	59	5	was	be	AUX
ajbmeb-2831	59	6	1,603	1,603	NUM
ajbmeb-2831	59	7	billion	billion	NUM
ajbmeb-2831	59	8	soums	soum	NOUN
ajbmeb-2831	59	9	,	,	PUNCT
ajbmeb-2831	59	10	and	and	CCONJ
ajbmeb-2831	59	11	by	by	ADP
ajbmeb-2831	59	12	2023	2023	NUM
ajbmeb-2831	59	13	it	it	PRON
ajbmeb-2831	59	14	was	be	AUX
ajbmeb-2831	59	15	7,278	7,278	NUM
ajbmeb-2831	59	16	billion	billion	NUM
ajbmeb-2831	59	17	soums	soum	NOUN
ajbmeb-2831	59	18	.	.	PUNCT
ajbmeb-2831	60	1	this	this	PRON
ajbmeb-2831	60	2	is	be	AUX
ajbmeb-2831	60	3	an	an	DET
ajbmeb-2831	60	4	increase	increase	NOUN
ajbmeb-2831	60	5	of	of	ADP
ajbmeb-2831	60	6	145	145	NUM
ajbmeb-2831	60	7	%	%	NOUN
ajbmeb-2831	60	8	compared	compare	VERB
ajbmeb-2831	60	9	to	to	ADP
ajbmeb-2831	60	10	the	the	DET
ajbmeb-2831	60	11	previous	previous	ADJ
ajbmeb-2831	60	12	period	period	NOUN
ajbmeb-2831	60	13	.	.	PUNCT
ajbmeb-2831	61	1	the	the	DET
ajbmeb-2831	61	2	share	share	NOUN
ajbmeb-2831	61	3	of	of	ADP
ajbmeb-2831	61	4	non	non	ADJ
ajbmeb-2831	61	5	-	-	ADJ
ajbmeb-2831	61	6	interest	interest	ADJ
ajbmeb-2831	61	7	income	income	NOUN
ajbmeb-2831	61	8	,	,	PUNCT
ajbmeb-2831	61	9	in	in	ADP
ajbmeb-2831	61	10	turn	turn	NOUN
ajbmeb-2831	61	11	,	,	PUNCT
ajbmeb-2831	61	12	changed	change	VERB
ajbmeb-2831	61	13	accordingly	accordingly	ADV
ajbmeb-2831	61	14	.	.	PUNCT
ajbmeb-2831	62	1	declining	decline	VERB
ajbmeb-2831	62	2	percentage	percentage	NOUN
ajbmeb-2831	62	3	of	of	ADP
ajbmeb-2831	62	4	interest	interest	NOUN
ajbmeb-2831	62	5	income	income	NOUN
ajbmeb-2831	62	6	can	can	AUX
ajbmeb-2831	62	7	be	be	AUX
ajbmeb-2831	62	8	both	both	ADV
ajbmeb-2831	62	9	positive	positive	ADJ
ajbmeb-2831	62	10	and	and	CCONJ
ajbmeb-2831	62	11	negative	negative	ADJ
ajbmeb-2831	62	12	.	.	PUNCT
ajbmeb-2831	63	1	its	its	PRON
ajbmeb-2831	63	2	advantage	advantage	NOUN
ajbmeb-2831	63	3	is	be	AUX
ajbmeb-2831	63	4	that	that	SCONJ
ajbmeb-2831	63	5	banks	bank	NOUN
ajbmeb-2831	63	6	receive	receive	VERB
ajbmeb-2831	63	7	additional	additional	ADJ
ajbmeb-2831	63	8	interest	interest	NOUN
ajbmeb-2831	63	9	-	-	PUNCT
ajbmeb-2831	63	10	free	free	ADJ
ajbmeb-2831	63	11	income	income	NOUN
ajbmeb-2831	63	12	in	in	ADP
ajbmeb-2831	63	13	return	return	NOUN
ajbmeb-2831	63	14	for	for	ADP
ajbmeb-2831	63	15	performing	perform	VERB
ajbmeb-2831	63	16	various	various	ADJ
ajbmeb-2831	63	17	other	other	ADJ
ajbmeb-2831	63	18	activities	activity	NOUN
ajbmeb-2831	63	19	typical	typical	ADJ
ajbmeb-2831	63	20	of	of	ADP
ajbmeb-2831	63	21	banks	bank	NOUN
ajbmeb-2831	63	22	.	.	PUNCT
ajbmeb-2831	64	1	however	however	ADV
ajbmeb-2831	64	2	,	,	PUNCT
ajbmeb-2831	64	3	it	it	PRON
ajbmeb-2831	64	4	confirms	confirm	VERB
ajbmeb-2831	64	5	that	that	SCONJ
ajbmeb-2831	64	6	there	there	PRON
ajbmeb-2831	64	7	is	be	VERB
ajbmeb-2831	64	8	more	more	ADJ
ajbmeb-2831	64	9	negativity	negativity	NOUN
ajbmeb-2831	64	10	in	in	ADP
ajbmeb-2831	64	11	the	the	DET
ajbmeb-2831	64	12	activity	activity	NOUN
ajbmeb-2831	64	13	of	of	ADP
ajbmeb-2831	64	14	the	the	DET
ajbmeb-2831	64	15	republic	republic	NOUN
ajbmeb-2831	64	16	's	's	PART
ajbmeb-2831	64	17	banks	bank	NOUN
ajbmeb-2831	64	18	in	in	ADP
ajbmeb-2831	64	19	this	this	DET
ajbmeb-2831	64	20	case	case	NOUN
ajbmeb-2831	64	21	,	,	PUNCT
ajbmeb-2831	64	22	it	it	PRON
ajbmeb-2831	64	23	indicates	indicate	VERB
ajbmeb-2831	64	24	that	that	SCONJ
ajbmeb-2831	64	25	there	there	PRON
ajbmeb-2831	64	26	are	be	VERB
ajbmeb-2831	64	27	problems	problem	NOUN
ajbmeb-2831	64	28	in	in	ADP
ajbmeb-2831	64	29	these	these	DET
ajbmeb-2831	64	30	operations	operation	NOUN
ajbmeb-2831	64	31	,	,	PUNCT
ajbmeb-2831	64	32	the	the	DET
ajbmeb-2831	64	33	decrease	decrease	NOUN
ajbmeb-2831	64	34	in	in	ADP
ajbmeb-2831	64	35	the	the	DET
ajbmeb-2831	64	36	implementation	implementation	NOUN
ajbmeb-2831	64	37	of	of	ADP
ajbmeb-2831	64	38	bank	bank	NOUN
ajbmeb-2831	64	39	operations	operation	NOUN
ajbmeb-2831	64	40	that	that	PRON
ajbmeb-2831	64	41	bring	bring	VERB
ajbmeb-2831	64	42	interest	interest	NOUN
ajbmeb-2831	64	43	income	income	NOUN
ajbmeb-2831	64	44	.	.	PUNCT
ajbmeb-2831	65	1	since	since	SCONJ
ajbmeb-2831	65	2	the	the	DET
ajbmeb-2831	65	3	main	main	ADJ
ajbmeb-2831	65	4	operations	operation	NOUN
ajbmeb-2831	65	5	of	of	ADP
ajbmeb-2831	65	6	banks	bank	NOUN
ajbmeb-2831	65	7	are	be	AUX
ajbmeb-2831	65	8	related	relate	VERB
ajbmeb-2831	65	9	to	to	ADP
ajbmeb-2831	65	10	interest	interest	NOUN
ajbmeb-2831	65	11	income	income	NOUN
ajbmeb-2831	65	12	,	,	PUNCT
ajbmeb-2831	65	13	it	it	PRON
ajbmeb-2831	65	14	would	would	AUX
ajbmeb-2831	65	15	be	be	AUX
ajbmeb-2831	65	16	appropriate	appropriate	ADJ
ajbmeb-2831	65	17	if	if	SCONJ
ajbmeb-2831	65	18	they	they	PRON
ajbmeb-2831	65	19	increase	increase	VERB
ajbmeb-2831	65	20	the	the	DET
ajbmeb-2831	65	21	implementation	implementation	NOUN
ajbmeb-2831	65	22	of	of	ADP
ajbmeb-2831	65	23	these	these	DET
ajbmeb-2831	65	24	operations	operation	NOUN
ajbmeb-2831	65	25	and	and	CCONJ
ajbmeb-2831	65	26	increase	increase	VERB
ajbmeb-2831	65	27	their	their	PRON
ajbmeb-2831	65	28	share	share	NOUN
ajbmeb-2831	65	29	in	in	ADP
ajbmeb-2831	65	30	the	the	DET
ajbmeb-2831	65	31	income	income	NOUN
ajbmeb-2831	65	32	structure	structure	NOUN
ajbmeb-2831	65	33	to	to	ADP
ajbmeb-2831	65	34	70	70	NUM
ajbmeb-2831	65	35	-	-	SYM
ajbmeb-2831	65	36	75	75	NUM
ajbmeb-2831	65	37	percent	percent	NOUN
ajbmeb-2831	65	38	.	.	PUNCT
ajbmeb-2831	66	1	conclusions	conclusion	NOUN
ajbmeb-2831	66	2	and	and	CCONJ
ajbmeb-2831	66	3	suggestions	suggestion	NOUN
ajbmeb-2831	66	4	digital	digital	ADJ
ajbmeb-2831	66	5	transformation	transformation	NOUN
ajbmeb-2831	66	6	is	be	AUX
ajbmeb-2831	66	7	an	an	DET
ajbmeb-2831	66	8	inevitable	inevitable	ADJ
ajbmeb-2831	66	9	process	process	NOUN
ajbmeb-2831	66	10	in	in	ADP
ajbmeb-2831	66	11	which	which	PRON
ajbmeb-2831	66	12	the	the	DET
ajbmeb-2831	66	13	world	world	NOUN
ajbmeb-2831	66	14	business	business	NOUN
ajbmeb-2831	66	15	begins	begin	VERB
ajbmeb-2831	66	16	to	to	PART
ajbmeb-2831	66	17	adapt	adapt	VERB
ajbmeb-2831	66	18	to	to	ADP
ajbmeb-2831	66	19	the	the	DET
ajbmeb-2831	66	20	new	new	ADJ
ajbmeb-2831	66	21	conditions	condition	NOUN
ajbmeb-2831	66	22	and	and	CCONJ
ajbmeb-2831	66	23	advantages	advantage	NOUN
ajbmeb-2831	66	24	of	of	ADP
ajbmeb-2831	66	25	the	the	DET
ajbmeb-2831	66	26	digital	digital	ADJ
ajbmeb-2831	66	27	economy	economy	NOUN
ajbmeb-2831	66	28	society	society	NOUN
ajbmeb-2831	66	29	,	,	PUNCT
ajbmeb-2831	66	30	and	and	CCONJ
ajbmeb-2831	66	31	it	it	PRON
ajbmeb-2831	66	32	is	be	AUX
ajbmeb-2831	66	33	a	a	DET
ajbmeb-2831	66	34	tool	tool	NOUN
ajbmeb-2831	66	35	that	that	PRON
ajbmeb-2831	66	36	serves	serve	VERB
ajbmeb-2831	66	37	to	to	PART
ajbmeb-2831	66	38	improve	improve	VERB
ajbmeb-2831	66	39	people	people	NOUN
ajbmeb-2831	66	40	's	's	PART
ajbmeb-2831	66	41	living	living	NOUN
ajbmeb-2831	66	42	standards	standard	NOUN
ajbmeb-2831	66	43	,	,	PUNCT
ajbmeb-2831	66	44	create	create	VERB
ajbmeb-2831	66	45	conveniences	convenience	NOUN
ajbmeb-2831	66	46	and	and	CCONJ
ajbmeb-2831	66	47	increase	increase	VERB
ajbmeb-2831	66	48	the	the	DET
ajbmeb-2831	66	49	quality	quality	NOUN
ajbmeb-2831	66	50	of	of	ADP
ajbmeb-2831	66	51	life	life	NOUN
ajbmeb-2831	66	52	in	in	ADP
ajbmeb-2831	66	53	society	society	NOUN
ajbmeb-2831	66	54	through	through	ADP
ajbmeb-2831	66	55	the	the	DET
ajbmeb-2831	66	56	implementation	implementation	NOUN
ajbmeb-2831	66	57	of	of	ADP
ajbmeb-2831	66	58	digital	digital	ADJ
ajbmeb-2831	66	59	technology	technology	NOUN
ajbmeb-2831	66	60	.	.	PUNCT
ajbmeb-2831	67	1	in	in	ADP
ajbmeb-2831	67	2	order	order	NOUN
ajbmeb-2831	67	3	to	to	PART
ajbmeb-2831	67	4	improve	improve	VERB
ajbmeb-2831	67	5	the	the	DET
ajbmeb-2831	67	6	quality	quality	NOUN
ajbmeb-2831	67	7	of	of	ADP
ajbmeb-2831	67	8	service	service	NOUN
ajbmeb-2831	67	9	and	and	CCONJ
ajbmeb-2831	67	10	to	to	PART
ajbmeb-2831	67	11	transform	transform	VERB
ajbmeb-2831	67	12	traditional	traditional	ADJ
ajbmeb-2831	67	13	services	service	NOUN
ajbmeb-2831	67	14	into	into	ADP
ajbmeb-2831	67	15	remote	remote	ADJ
ajbmeb-2831	67	16	services	service	NOUN
ajbmeb-2831	67	17	,	,	PUNCT
ajbmeb-2831	67	18	the	the	DET
ajbmeb-2831	67	19	bank	bank	NOUN
ajbmeb-2831	67	20	established	establish	VERB
ajbmeb-2831	67	21	its	its	PRON
ajbmeb-2831	67	22	own	own	ADJ
ajbmeb-2831	67	23	team	team	NOUN
ajbmeb-2831	67	24	of	of	ADP
ajbmeb-2831	67	25	developers	developer	NOUN
ajbmeb-2831	67	26	.	.	PUNCT
ajbmeb-2831	68	1	now	now	ADV
ajbmeb-2831	68	2	,	,	PUNCT
ajbmeb-2831	68	3	automation	automation	NOUN
ajbmeb-2831	68	4	of	of	ADP
ajbmeb-2831	68	5	existing	exist	VERB
ajbmeb-2831	68	6	services	service	NOUN
ajbmeb-2831	68	7	and	and	CCONJ
ajbmeb-2831	68	8	new	new	ADJ
ajbmeb-2831	68	9	innovative	innovative	ADJ
ajbmeb-2831	68	10	developments	development	NOUN
ajbmeb-2831	68	11	are	be	AUX
ajbmeb-2831	68	12	carried	carry	VERB
ajbmeb-2831	68	13	out	out	ADP
ajbmeb-2831	68	14	at	at	ADP
ajbmeb-2831	68	15	the	the	DET
ajbmeb-2831	68	16	expense	expense	NOUN
ajbmeb-2831	68	17	of	of	ADP
ajbmeb-2831	68	18	their	their	PRON
ajbmeb-2831	68	19	own	own	ADJ
ajbmeb-2831	68	20	resources	resource	NOUN
ajbmeb-2831	68	21	,	,	PUNCT
ajbmeb-2831	68	22	without	without	ADP
ajbmeb-2831	68	23	involving	involve	VERB
ajbmeb-2831	68	24	outsourcing	outsourcing	NOUN
ajbmeb-2831	68	25	companies	company	NOUN
ajbmeb-2831	68	26	.	.	PUNCT
ajbmeb-2831	69	1	based	base	VERB
ajbmeb-2831	69	2	on	on	ADP
ajbmeb-2831	69	3	the	the	DET
ajbmeb-2831	69	4	application	application	NOUN
ajbmeb-2831	69	5	of	of	ADP
ajbmeb-2831	69	6	fintech	fintech	NOUN
ajbmeb-2831	69	7	technologies	technology	NOUN
ajbmeb-2831	69	8	in	in	ADP
ajbmeb-2831	69	9	the	the	DET
ajbmeb-2831	69	10	expansion	expansion	NOUN
ajbmeb-2831	69	11	of	of	ADP
ajbmeb-2831	69	12	the	the	DET
ajbmeb-2831	69	13	income	income	NOUN
ajbmeb-2831	69	14	base	base	NOUN
ajbmeb-2831	69	15	in	in	ADP
ajbmeb-2831	69	16	the	the	DET
ajbmeb-2831	69	17	transformation	transformation	NOUN
ajbmeb-2831	69	18	processes	process	NOUN
ajbmeb-2831	69	19	of	of	ADP
ajbmeb-2831	69	20	commercial	commercial	ADJ
ajbmeb-2831	69	21	banks	bank	NOUN
ajbmeb-2831	69	22	:	:	PUNCT
ajbmeb-2831	69	23	➢	➢	VERB
ajbmeb-2831	69	24	improvement	improvement	NOUN
ajbmeb-2831	69	25	of	of	ADP
ajbmeb-2831	69	26	mobile	mobile	ADJ
ajbmeb-2831	69	27	applications	application	NOUN
ajbmeb-2831	69	28	of	of	ADP
ajbmeb-2831	69	29	commercial	commercial	ADJ
ajbmeb-2831	69	30	banks	bank	NOUN
ajbmeb-2831	69	31	,	,	PUNCT
ajbmeb-2831	69	32	➢	➢	VERB
ajbmeb-2831	69	33	automated	automate	VERB
ajbmeb-2831	69	34	scoring	scoring	NOUN
ajbmeb-2831	69	35	,	,	PUNCT
ajbmeb-2831	69	36	➢	➢	VERB
ajbmeb-2831	69	37	development	development	NOUN
ajbmeb-2831	69	38	of	of	ADP
ajbmeb-2831	69	39	credit	credit	NOUN
ajbmeb-2831	69	40	monitoring	monitoring	NOUN
ajbmeb-2831	69	41	systems	system	NOUN
ajbmeb-2831	69	42	,	,	PUNCT
ajbmeb-2831	69	43	➢	➢	VERB
ajbmeb-2831	69	44	it	it	PRON
ajbmeb-2831	69	45	is	be	AUX
ajbmeb-2831	69	46	desirable	desirable	ADJ
ajbmeb-2831	69	47	to	to	PART
ajbmeb-2831	69	48	automatically	automatically	ADV
ajbmeb-2831	69	49	collect	collect	VERB
ajbmeb-2831	69	50	service	service	NOUN
ajbmeb-2831	69	51	fees	fee	NOUN
ajbmeb-2831	69	52	from	from	ADP
ajbmeb-2831	69	53	cards	card	NOUN
ajbmeb-2831	69	54	ordered	order	VERB
ajbmeb-2831	69	55	online	online	ADV
ajbmeb-2831	69	56	and	and	CCONJ
ajbmeb-2831	69	57	to	to	PART
ajbmeb-2831	69	58	expand	expand	VERB
ajbmeb-2831	69	59	the	the	DET
ajbmeb-2831	69	60	scope	scope	NOUN
ajbmeb-2831	69	61	of	of	ADP
ajbmeb-2831	69	62	existing	exist	VERB
ajbmeb-2831	69	63	services	service	NOUN
ajbmeb-2831	69	64	.	.	PUNCT
ajbmeb-2831	70	1	issues	issue	NOUN
ajbmeb-2831	70	2	such	such	ADJ
ajbmeb-2831	70	3	as	as	ADP
ajbmeb-2831	70	4	strategic	strategic	ADJ
ajbmeb-2831	70	5	investors	investor	NOUN
ajbmeb-2831	70	6	,	,	PUNCT
ajbmeb-2831	70	7	adaptation	adaptation	NOUN
ajbmeb-2831	70	8	to	to	ADP
ajbmeb-2831	70	9	market	market	NOUN
ajbmeb-2831	70	10	principles	principle	NOUN
ajbmeb-2831	70	11	,	,	PUNCT
ajbmeb-2831	70	12	elimination	elimination	NOUN
ajbmeb-2831	70	13	of	of	ADP
ajbmeb-2831	70	14	dependence	dependence	NOUN
ajbmeb-2831	70	15	on	on	ADP
ajbmeb-2831	70	16	state	state	NOUN
ajbmeb-2831	70	17	funds	fund	NOUN
ajbmeb-2831	70	18	and	and	CCONJ
ajbmeb-2831	70	19	creation	creation	NOUN
ajbmeb-2831	70	20	of	of	ADP
ajbmeb-2831	70	21	equal	equal	ADJ
ajbmeb-2831	70	22	competitive	competitive	ADJ
ajbmeb-2831	70	23	conditions	condition	NOUN
ajbmeb-2831	70	24	are	be	AUX
ajbmeb-2831	70	25	defined	define	VERB
ajbmeb-2831	70	26	as	as	ADP
ajbmeb-2831	70	27	the	the	DET
ajbmeb-2831	70	28	main	main	ADJ
ajbmeb-2831	70	29	directions	direction	NOUN
ajbmeb-2831	70	30	of	of	ADP
ajbmeb-2831	70	31	the	the	DET
ajbmeb-2831	70	32	banking	banking	NOUN
ajbmeb-2831	70	33	american	american	PROPN
ajbmeb-2831	70	34	journal	journal	PROPN
ajbmeb-2831	70	35	of	of	ADP
ajbmeb-2831	70	36	business	business	NOUN
ajbmeb-2831	70	37	management	management	NOUN
ajbmeb-2831	70	38	,	,	PUNCT
ajbmeb-2831	70	39	economics	economic	NOUN
ajbmeb-2831	70	40	and	and	CCONJ
ajbmeb-2831	70	41	banking	banking	NOUN
ajbmeb-2831	70	42	volume	volume	NOUN
ajbmeb-2831	70	43	35	35	NUM
ajbmeb-2831	70	44	april	april	PROPN
ajbmeb-2831	70	45	2025	2025	NUM
ajbmeb-2831	71	1	p	p	NOUN
ajbmeb-2831	71	2	a	a	DET
ajbmeb-2831	71	3	g	g	NOUN
ajbmeb-2831	71	4	e	e	NOUN
ajbmeb-2831	71	5	|	|	ADV
ajbmeb-2831	71	6	6	6	NUM
ajbmeb-2831	71	7	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2831	71	8	system	system	NOUN
ajbmeb-2831	71	9	reform	reform	NOUN
ajbmeb-2831	71	10	strategy	strategy	NOUN
ajbmeb-2831	71	11	.	.	PUNCT
ajbmeb-2831	72	1	therefore	therefore	ADV
ajbmeb-2831	72	2	,	,	PUNCT
ajbmeb-2831	72	3	it	it	PRON
ajbmeb-2831	72	4	is	be	AUX
ajbmeb-2831	72	5	necessary	necessary	ADJ
ajbmeb-2831	72	6	for	for	SCONJ
ajbmeb-2831	72	7	banks	bank	NOUN
ajbmeb-2831	72	8	to	to	PART
ajbmeb-2831	72	9	change	change	VERB
ajbmeb-2831	72	10	their	their	PRON
ajbmeb-2831	72	11	business	business	NOUN
ajbmeb-2831	72	12	models	model	NOUN
ajbmeb-2831	72	13	and	and	CCONJ
ajbmeb-2831	72	14	improve	improve	VERB
ajbmeb-2831	72	15	the	the	DET
ajbmeb-2831	72	16	customer	customer	NOUN
ajbmeb-2831	72	17	service	service	NOUN
ajbmeb-2831	72	18	system	system	NOUN
ajbmeb-2831	72	19	.	.	PUNCT
ajbmeb-2831	73	1	references	reference	NOUN
ajbmeb-2831	73	2	1.decree	1.decree	NUM
ajbmeb-2831	73	3	of	of	ADP
ajbmeb-2831	73	4	the	the	DET
ajbmeb-2831	73	5	president	president	NOUN
ajbmeb-2831	73	6	of	of	ADP
ajbmeb-2831	73	7	the	the	DET
ajbmeb-2831	73	8	republic	republic	NOUN
ajbmeb-2831	73	9	of	of	ADP
ajbmeb-2831	73	10	uzbekistan	uzbekistan	PROPN
ajbmeb-2831	73	11	dated	date	VERB
ajbmeb-2831	73	12	may	may	PROPN
ajbmeb-2831	73	13	12	12	NUM
ajbmeb-2831	73	14	,	,	PUNCT
ajbmeb-2831	73	15	2020	2020	NUM
ajbmeb-2831	73	16	no	no	NOUN
ajbmeb-2831	73	17	.	.	PUNCT
ajbmeb-2831	73	18	pf-5992	pf-5992	PROPN
ajbmeb-2831	73	19	"	"	PUNCT
ajbmeb-2831	73	20	on	on	ADP
ajbmeb-2831	73	21	the	the	DET
ajbmeb-2831	73	22	strategy	strategy	NOUN
ajbmeb-2831	73	23	of	of	ADP
ajbmeb-2831	73	24	reforming	reform	VERB
ajbmeb-2831	73	25	the	the	DET
ajbmeb-2831	73	26	banking	banking	NOUN
ajbmeb-2831	73	27	system	system	NOUN
ajbmeb-2831	73	28	of	of	ADP
ajbmeb-2831	73	29	the	the	DET
ajbmeb-2831	73	30	republic	republic	NOUN
ajbmeb-2831	73	31	of	of	ADP
ajbmeb-2831	73	32	uzbekistan	uzbekistan	PROPN
ajbmeb-2831	73	33	for	for	ADP
ajbmeb-2831	73	34	2020	2020	NUM
ajbmeb-2831	73	35	-	-	SYM
ajbmeb-2831	73	36	2025	2025	NUM
ajbmeb-2831	73	37	"	"	PUNCT
ajbmeb-2831	73	38	2.о.i.lavrushina	2.о.i.lavrushina	NUM
ajbmeb-2831	73	39	.	.	PUNCT
ajbmeb-2831	74	1	“	"	PUNCT
ajbmeb-2831	74	2	fundamentals	fundamental	NOUN
ajbmeb-2831	74	3	of	of	ADP
ajbmeb-2831	74	4	banking	banking	NOUN
ajbmeb-2831	74	5	”	"	PUNCT
ajbmeb-2831	74	6	textbook	textbook	NOUN
ajbmeb-2831	74	7	,	,	PUNCT
ajbmeb-2831	74	8	edited	edit	VERB
ajbmeb-2831	74	9	by	by	ADP
ajbmeb-2831	74	10	m.	m.	NOUN
ajbmeb-2831	74	11	;	;	PUNCT
ajbmeb-2831	74	12	knorus	knorus	PROPN
ajbmeb-2831	74	13	.	.	PUNCT
ajbmeb-2831	75	1	2008.-384	2008.-384	NUM
ajbmeb-2831	76	1	p.	p.	NOUN
ajbmeb-2831	76	2	3.о	3.о	NUM
ajbmeb-2831	76	3	.	.	PUNCT
ajbmeb-2831	77	1	b.	b.	PROPN
ajbmeb-2831	77	2	voloshina	voloshina	ADJ
ajbmeb-2831	77	3	“	"	PUNCT
ajbmeb-2831	77	4	bank	bank	NOUN
ajbmeb-2831	77	5	profitability	profitability	NOUN
ajbmeb-2831	77	6	as	as	ADP
ajbmeb-2831	77	7	one	one	NUM
ajbmeb-2831	77	8	of	of	ADP
ajbmeb-2831	77	9	the	the	DET
ajbmeb-2831	77	10	main	main	ADJ
ajbmeb-2831	77	11	indicators	indicator	NOUN
ajbmeb-2831	77	12	of	of	ADP
ajbmeb-2831	77	13	its	its	PRON
ajbmeb-2831	77	14	economic	economic	ADJ
ajbmeb-2831	77	15	position	position	NOUN
ajbmeb-2831	77	16	”	"	PUNCT
ajbmeb-2831	77	17	social	social	ADJ
ajbmeb-2831	77	18	sciences	science	NOUN
ajbmeb-2831	77	19	.	.	PUNCT
ajbmeb-2831	78	1	economics	economic	NOUN
ajbmeb-2831	78	2	,	,	PUNCT
ajbmeb-2831	78	3	№	№	NOUN
ajbmeb-2831	78	4	1	1	NUM
ajbmeb-2831	78	5	(	(	PUNCT
ajbmeb-2831	78	6	29	29	NUM
ajbmeb-2831	78	7	)	)	PUNCT
ajbmeb-2831	78	8	,	,	PUNCT
ajbmeb-2831	78	9	2014	2014	NUM
ajbmeb-2831	78	10	.	.	PUNCT
ajbmeb-2831	79	1	4.azizov	4.azizov	NUM
ajbmeb-2831	79	2	u.	u.	NOUN
ajbmeb-2831	79	3	,	,	PUNCT
ajbmeb-2831	79	4	karaliev	karaliev	NOUN
ajbmeb-2831	79	5	t.	t.	PROPN
ajbmeb-2831	79	6	etc	etc	X
ajbmeb-2831	79	7	.	.	PUNCT
ajbmeb-2831	79	8	"	"	PUNCT
ajbmeb-2831	79	9	banking	banking	NOUN
ajbmeb-2831	79	10	"	"	PUNCT
ajbmeb-2831	79	11	textbook	textbook	NOUN
ajbmeb-2831	79	12	т	т	X
ajbmeb-2831	79	13	“	"	PUNCT
ajbmeb-2831	79	14	iqtisod	iqtisod	PROPN
ajbmeb-2831	79	15	-	-	PUNCT
ajbmeb-2831	79	16	moliya	moliya	NOUN
ajbmeb-2831	79	17	”	"	PUNCT
ajbmeb-2831	79	18	,	,	PUNCT
ajbmeb-2831	79	19	2015-	2015-	NUM
ajbmeb-2831	79	20	.	.	PUNCT
ajbmeb-2831	79	21	506p	506p	PROPN
ajbmeb-2831	79	22	.	.	PUNCT
ajbmeb-2831	80	1	5.annual	5.annual	NUM
ajbmeb-2831	80	2	report	report	NOUN
ajbmeb-2831	80	3	of	of	ADP
ajbmeb-2831	80	4	the	the	DET
ajbmeb-2831	80	5	central	central	ADJ
ajbmeb-2831	80	6	bank	bank	NOUN
ajbmeb-2831	80	7	of	of	ADP
ajbmeb-2831	80	8	the	the	DET
ajbmeb-2831	80	9	republic	republic	NOUN
ajbmeb-2831	80	10	of	of	ADP
ajbmeb-2831	80	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2831	80	12	for	for	ADP
ajbmeb-2831	80	13	2022	2022	NUM
ajbmeb-2831	80	14	.	.	PUNCT
ajbmeb-2831	81	1	tif	tif	PROPN
ajbmeb-2831	81	2	national	national	PROPN
ajbmeb-2831	81	3	bank	bank	PROPN
ajbmeb-2831	81	4	official	official	ADJ
ajbmeb-2831	81	5	website	website	NOUN
ajbmeb-2831	81	6	.	.	PUNCT
ajbmeb-2831	82	1	nbu.uz	nbu.uz	PROPN
ajbmeb-2831	82	2	.	.	PUNCT