id	sid	tid	token	lemma	pos
ajbmeb-2881	1	1	american	american	PROPN
ajbmeb-2881	1	2	journal	journal	PROPN
ajbmeb-2881	1	3	of	of	ADP
ajbmeb-2881	1	4	business	business	NOUN
ajbmeb-2881	1	5	management	management	NOUN
ajbmeb-2881	1	6	,	,	PUNCT
ajbmeb-2881	1	7	economics	economic	NOUN
ajbmeb-2881	1	8	and	and	CCONJ
ajbmeb-2881	1	9	banking	banking	NOUN
ajbmeb-2881	1	10	issn	issn	PROPN
ajbmeb-2881	1	11	(	(	PUNCT
ajbmeb-2881	1	12	e	e	NOUN
ajbmeb-2881	1	13	):	):	PUNCT
ajbmeb-2881	1	14	2832	2832	NUM
ajbmeb-2881	1	15	-	-	SYM
ajbmeb-2881	1	16	8078	8078	NUM
ajbmeb-2881	1	17	volume	volume	NOUN
ajbmeb-2881	1	18	35	35	NUM
ajbmeb-2881	1	19	,	,	PUNCT
ajbmeb-2881	1	20	april	april	PROPN
ajbmeb-2881	1	21	2025	2025	NUM
ajbmeb-2881	1	22	p	p	NOUN
ajbmeb-2881	1	23	a	a	DET
ajbmeb-2881	1	24	g	g	NOUN
ajbmeb-2881	1	25	e	e	NOUN
ajbmeb-2881	1	26	|	|	ADV
ajbmeb-2881	1	27	122	122	NUM
ajbmeb-2881	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2881	1	29	some	some	DET
ajbmeb-2881	1	30	theoretical	theoretical	ADJ
ajbmeb-2881	1	31	aspects	aspect	NOUN
ajbmeb-2881	1	32	of	of	ADP
ajbmeb-2881	1	33	retail	retail	ADJ
ajbmeb-2881	1	34	services	service	NOUN
ajbmeb-2881	1	35	of	of	ADP
ajbmeb-2881	1	36	commercial	commercial	ADJ
ajbmeb-2881	1	37	banks	bank	NOUN
ajbmeb-2881	1	38	umid	umid	AUX
ajbmeb-2881	1	39	mukhidinovich	mukhidinovich	PROPN
ajbmeb-2881	1	40	ochilov	ochilov	PROPN
ajbmeb-2881	1	41	master	master	PROPN
ajbmeb-2881	1	42	of	of	ADP
ajbmeb-2881	1	43	banking	banking	NOUN
ajbmeb-2881	1	44	and	and	CCONJ
ajbmeb-2881	1	45	finance	finance	PROPN
ajbmeb-2881	1	46	academy	academy	NOUN
ajbmeb-2881	1	47	e	e	NOUN
ajbmeb-2881	1	48	-	-	NOUN
ajbmeb-2881	1	49	mail	mail	NOUN
ajbmeb-2881	1	50	:	:	PUNCT
ajbmeb-2881	1	51	umidochilov85@gmail.com	umidochilov85@gmail.com	X
ajbmeb-2881	1	52	orcid	orcid	NOUN
ajbmeb-2881	1	53	:	:	PUNCT
ajbmeb-2881	1	54	0009	0009	NUM
ajbmeb-2881	1	55	-	-	SYM
ajbmeb-2881	1	56	0008	0008	NUM
ajbmeb-2881	1	57	-	-	PUNCT
ajbmeb-2881	1	58	4494	4494	NUM
ajbmeb-2881	1	59	-	-	PUNCT
ajbmeb-2881	1	60	3509	3509	NUM
ajbmeb-2881	1	61	a	a	DET
ajbmeb-2881	1	62	b	b	PROPN
ajbmeb-2881	1	63	s	s	ADP
ajbmeb-2881	1	64	t	t	PROPN
ajbmeb-2881	1	65	r	r	NOUN
ajbmeb-2881	1	66	a	a	DET
ajbmeb-2881	1	67	c	c	NOUN
ajbmeb-2881	1	68	t	t	NOUN
ajbmeb-2881	1	69	k	k	X
ajbmeb-2881	1	70	e	e	PROPN
ajbmeb-2881	1	71	y	y	PROPN
ajbmeb-2881	1	72	w	w	NOUN
ajbmeb-2881	1	73	o	o	NOUN
ajbmeb-2881	1	74	r	r	NOUN
ajbmeb-2881	1	75	d	d	X
ajbmeb-2881	1	76	s	s	VERB
ajbmeb-2881	1	77	this	this	DET
ajbmeb-2881	1	78	article	article	NOUN
ajbmeb-2881	1	79	analyzes	analyze	VERB
ajbmeb-2881	1	80	the	the	DET
ajbmeb-2881	1	81	theoretical	theoretical	ADJ
ajbmeb-2881	1	82	foundations	foundation	NOUN
ajbmeb-2881	1	83	of	of	ADP
ajbmeb-2881	1	84	retail	retail	ADJ
ajbmeb-2881	1	85	services	service	NOUN
ajbmeb-2881	1	86	provided	provide	VERB
ajbmeb-2881	1	87	by	by	ADP
ajbmeb-2881	1	88	commercial	commercial	ADJ
ajbmeb-2881	1	89	banks	bank	NOUN
ajbmeb-2881	1	90	.	.	PUNCT
ajbmeb-2881	2	1	it	it	PRON
ajbmeb-2881	2	2	explores	explore	VERB
ajbmeb-2881	2	3	the	the	DET
ajbmeb-2881	2	4	concept	concept	NOUN
ajbmeb-2881	2	5	of	of	ADP
ajbmeb-2881	2	6	retail	retail	ADJ
ajbmeb-2881	2	7	banking	banking	NOUN
ajbmeb-2881	2	8	services	service	NOUN
ajbmeb-2881	2	9	,	,	PUNCT
ajbmeb-2881	2	10	their	their	PRON
ajbmeb-2881	2	11	structure	structure	NOUN
ajbmeb-2881	2	12	,	,	PUNCT
ajbmeb-2881	2	13	core	core	NOUN
ajbmeb-2881	2	14	characteristics	characteristic	NOUN
ajbmeb-2881	2	15	,	,	PUNCT
ajbmeb-2881	2	16	and	and	CCONJ
ajbmeb-2881	2	17	their	their	PRON
ajbmeb-2881	2	18	role	role	NOUN
ajbmeb-2881	2	19	in	in	ADP
ajbmeb-2881	2	20	a	a	DET
ajbmeb-2881	2	21	market	market	NOUN
ajbmeb-2881	2	22	economy	economy	NOUN
ajbmeb-2881	2	23	.	.	PUNCT
ajbmeb-2881	3	1	the	the	DET
ajbmeb-2881	3	2	author	author	NOUN
ajbmeb-2881	3	3	examines	examine	VERB
ajbmeb-2881	3	4	various	various	ADJ
ajbmeb-2881	3	5	definitions	definition	NOUN
ajbmeb-2881	3	6	and	and	CCONJ
ajbmeb-2881	3	7	approaches	approach	NOUN
ajbmeb-2881	3	8	found	find	VERB
ajbmeb-2881	3	9	in	in	ADP
ajbmeb-2881	3	10	economic	economic	ADJ
ajbmeb-2881	3	11	literature	literature	NOUN
ajbmeb-2881	3	12	and	and	CCONJ
ajbmeb-2881	3	13	proposes	propose	VERB
ajbmeb-2881	3	14	a	a	DET
ajbmeb-2881	3	15	comprehensive	comprehensive	ADJ
ajbmeb-2881	3	16	theoretical	theoretical	ADJ
ajbmeb-2881	3	17	framework	framework	NOUN
ajbmeb-2881	3	18	.	.	PUNCT
ajbmeb-2881	4	1	the	the	DET
ajbmeb-2881	4	2	theoretical	theoretical	ADJ
ajbmeb-2881	4	3	insights	insight	NOUN
ajbmeb-2881	4	4	presented	present	VERB
ajbmeb-2881	4	5	in	in	ADP
ajbmeb-2881	4	6	the	the	DET
ajbmeb-2881	4	7	article	article	NOUN
ajbmeb-2881	4	8	can	can	AUX
ajbmeb-2881	4	9	serve	serve	VERB
ajbmeb-2881	4	10	as	as	ADP
ajbmeb-2881	4	11	a	a	DET
ajbmeb-2881	4	12	basis	basis	NOUN
ajbmeb-2881	4	13	for	for	ADP
ajbmeb-2881	4	14	developing	develop	VERB
ajbmeb-2881	4	15	practical	practical	ADJ
ajbmeb-2881	4	16	recommendations	recommendation	NOUN
ajbmeb-2881	4	17	aimed	aim	VERB
ajbmeb-2881	4	18	at	at	ADP
ajbmeb-2881	4	19	further	far	ADV
ajbmeb-2881	4	20	developing	develop	VERB
ajbmeb-2881	4	21	the	the	DET
ajbmeb-2881	4	22	retail	retail	ADJ
ajbmeb-2881	4	23	segment	segment	NOUN
ajbmeb-2881	4	24	of	of	ADP
ajbmeb-2881	4	25	banking	banking	NOUN
ajbmeb-2881	4	26	services	service	NOUN
ajbmeb-2881	4	27	.	.	PUNCT
ajbmeb-2881	5	1	commercial	commercial	ADJ
ajbmeb-2881	5	2	banks	bank	NOUN
ajbmeb-2881	5	3	,	,	PUNCT
ajbmeb-2881	5	4	retail	retail	ADJ
ajbmeb-2881	5	5	services	service	NOUN
ajbmeb-2881	5	6	,	,	PUNCT
ajbmeb-2881	5	7	bank	bank	NOUN
ajbmeb-2881	5	8	clients	client	NOUN
ajbmeb-2881	5	9	,	,	PUNCT
ajbmeb-2881	5	10	financial	financial	ADJ
ajbmeb-2881	5	11	intermediation	intermediation	NOUN
ajbmeb-2881	5	12	,	,	PUNCT
ajbmeb-2881	5	13	market	market	NOUN
ajbmeb-2881	5	14	economy	economy	NOUN
ajbmeb-2881	5	15	.	.	PUNCT
ajbmeb-2881	6	1	introduction	introduction	NOUN
ajbmeb-2881	6	2	today	today	NOUN
ajbmeb-2881	6	3	,	,	PUNCT
ajbmeb-2881	6	4	the	the	DET
ajbmeb-2881	6	5	expansion	expansion	NOUN
ajbmeb-2881	6	6	of	of	ADP
ajbmeb-2881	6	7	the	the	DET
ajbmeb-2881	6	8	scope	scope	NOUN
ajbmeb-2881	6	9	of	of	ADP
ajbmeb-2881	6	10	retail	retail	ADJ
ajbmeb-2881	6	11	services	service	NOUN
ajbmeb-2881	6	12	in	in	ADP
ajbmeb-2881	6	13	the	the	DET
ajbmeb-2881	6	14	activities	activity	NOUN
ajbmeb-2881	6	15	of	of	ADP
ajbmeb-2881	6	16	commercial	commercial	ADJ
ajbmeb-2881	6	17	banks	bank	NOUN
ajbmeb-2881	6	18	is	be	AUX
ajbmeb-2881	6	19	an	an	DET
ajbmeb-2881	6	20	important	important	ADJ
ajbmeb-2881	6	21	factor	factor	NOUN
ajbmeb-2881	6	22	in	in	ADP
ajbmeb-2881	6	23	further	far	ADV
ajbmeb-2881	6	24	democratizing	democratize	VERB
ajbmeb-2881	6	25	the	the	DET
ajbmeb-2881	6	26	financial	financial	ADJ
ajbmeb-2881	6	27	system	system	NOUN
ajbmeb-2881	6	28	,	,	PUNCT
ajbmeb-2881	6	29	providing	provide	VERB
ajbmeb-2881	6	30	banking	banking	NOUN
ajbmeb-2881	6	31	services	service	NOUN
ajbmeb-2881	6	32	to	to	ADP
ajbmeb-2881	6	33	all	all	DET
ajbmeb-2881	6	34	segments	segment	NOUN
ajbmeb-2881	6	35	of	of	ADP
ajbmeb-2881	6	36	the	the	DET
ajbmeb-2881	6	37	population	population	NOUN
ajbmeb-2881	6	38	,	,	PUNCT
ajbmeb-2881	6	39	and	and	CCONJ
ajbmeb-2881	6	40	stimulating	stimulate	VERB
ajbmeb-2881	6	41	economic	economic	ADJ
ajbmeb-2881	6	42	growth	growth	NOUN
ajbmeb-2881	6	43	.	.	PUNCT
ajbmeb-2881	7	1	retail	retail	ADJ
ajbmeb-2881	7	2	banking	banking	NOUN
ajbmeb-2881	7	3	services	service	NOUN
ajbmeb-2881	7	4	are	be	AUX
ajbmeb-2881	7	5	a	a	DET
ajbmeb-2881	7	6	set	set	NOUN
ajbmeb-2881	7	7	of	of	ADP
ajbmeb-2881	7	8	financial	financial	ADJ
ajbmeb-2881	7	9	products	product	NOUN
ajbmeb-2881	7	10	and	and	CCONJ
ajbmeb-2881	7	11	services	service	NOUN
ajbmeb-2881	7	12	offered	offer	VERB
ajbmeb-2881	7	13	by	by	ADP
ajbmeb-2881	7	14	commercial	commercial	ADJ
ajbmeb-2881	7	15	banks	bank	NOUN
ajbmeb-2881	7	16	to	to	ADP
ajbmeb-2881	7	17	individuals	individual	NOUN
ajbmeb-2881	7	18	,	,	PUNCT
ajbmeb-2881	7	19	as	as	ADV
ajbmeb-2881	7	20	well	well	ADV
ajbmeb-2881	7	21	as	as	ADP
ajbmeb-2881	7	22	small	small	ADJ
ajbmeb-2881	7	23	businesses	business	NOUN
ajbmeb-2881	7	24	.	.	PUNCT
ajbmeb-2881	8	1	these	these	PRON
ajbmeb-2881	8	2	include	include	VERB
ajbmeb-2881	8	3	deposits	deposit	NOUN
ajbmeb-2881	8	4	,	,	PUNCT
ajbmeb-2881	8	5	microloans	microloan	NOUN
ajbmeb-2881	8	6	,	,	PUNCT
ajbmeb-2881	8	7	plastic	plastic	NOUN
ajbmeb-2881	8	8	cards	card	NOUN
ajbmeb-2881	8	9	,	,	PUNCT
ajbmeb-2881	8	10	mobile	mobile	ADJ
ajbmeb-2881	8	11	and	and	CCONJ
ajbmeb-2881	8	12	internet	internet	NOUN
ajbmeb-2881	8	13	banking	banking	NOUN
ajbmeb-2881	8	14	,	,	PUNCT
ajbmeb-2881	8	15	payment	payment	NOUN
ajbmeb-2881	8	16	services	service	NOUN
ajbmeb-2881	8	17	,	,	PUNCT
ajbmeb-2881	8	18	and	and	CCONJ
ajbmeb-2881	8	19	many	many	ADJ
ajbmeb-2881	8	20	other	other	ADJ
ajbmeb-2881	8	21	operations	operation	NOUN
ajbmeb-2881	8	22	.	.	PUNCT
ajbmeb-2881	9	1	the	the	DET
ajbmeb-2881	9	2	formation	formation	NOUN
ajbmeb-2881	9	3	of	of	ADP
ajbmeb-2881	9	4	the	the	DET
ajbmeb-2881	9	5	economy	economy	NOUN
ajbmeb-2881	9	6	on	on	ADP
ajbmeb-2881	9	7	the	the	DET
ajbmeb-2881	9	8	basis	basis	NOUN
ajbmeb-2881	9	9	of	of	ADP
ajbmeb-2881	9	10	market	market	NOUN
ajbmeb-2881	9	11	relations	relation	NOUN
ajbmeb-2881	9	12	,	,	PUNCT
ajbmeb-2881	9	13	increased	increase	VERB
ajbmeb-2881	9	14	competition	competition	NOUN
ajbmeb-2881	9	15	,	,	PUNCT
ajbmeb-2881	9	16	and	and	CCONJ
ajbmeb-2881	9	17	the	the	DET
ajbmeb-2881	9	18	introduction	introduction	NOUN
ajbmeb-2881	9	19	of	of	ADP
ajbmeb-2881	9	20	digital	digital	ADJ
ajbmeb-2881	9	21	technologies	technology	NOUN
ajbmeb-2881	9	22	are	be	AUX
ajbmeb-2881	9	23	increasing	increase	VERB
ajbmeb-2881	9	24	the	the	DET
ajbmeb-2881	9	25	importance	importance	NOUN
ajbmeb-2881	9	26	of	of	ADP
ajbmeb-2881	9	27	the	the	DET
ajbmeb-2881	9	28	retail	retail	ADJ
ajbmeb-2881	9	29	segment	segment	NOUN
ajbmeb-2881	9	30	in	in	ADP
ajbmeb-2881	9	31	the	the	DET
ajbmeb-2881	9	32	activities	activity	NOUN
ajbmeb-2881	9	33	of	of	ADP
ajbmeb-2881	9	34	banks	bank	NOUN
ajbmeb-2881	9	35	.	.	PUNCT
ajbmeb-2881	10	1	at	at	ADP
ajbmeb-2881	10	2	the	the	DET
ajbmeb-2881	10	3	same	same	ADJ
ajbmeb-2881	10	4	time	time	NOUN
ajbmeb-2881	10	5	,	,	PUNCT
ajbmeb-2881	10	6	the	the	DET
ajbmeb-2881	10	7	growth	growth	NOUN
ajbmeb-2881	10	8	of	of	ADP
ajbmeb-2881	10	9	incomes	income	NOUN
ajbmeb-2881	10	10	of	of	ADP
ajbmeb-2881	10	11	the	the	DET
ajbmeb-2881	10	12	population	population	NOUN
ajbmeb-2881	10	13	,	,	PUNCT
ajbmeb-2881	10	14	the	the	DET
ajbmeb-2881	10	15	increase	increase	NOUN
ajbmeb-2881	10	16	in	in	ADP
ajbmeb-2881	10	17	demand	demand	NOUN
ajbmeb-2881	10	18	for	for	ADP
ajbmeb-2881	10	19	banking	banking	NOUN
ajbmeb-2881	10	20	services	service	NOUN
ajbmeb-2881	10	21	,	,	PUNCT
ajbmeb-2881	10	22	and	and	CCONJ
ajbmeb-2881	10	23	the	the	DET
ajbmeb-2881	10	24	increase	increase	NOUN
ajbmeb-2881	10	25	in	in	ADP
ajbmeb-2881	10	26	financial	financial	ADJ
ajbmeb-2881	10	27	literacy	literacy	NOUN
ajbmeb-2881	10	28	are	be	AUX
ajbmeb-2881	10	29	also	also	ADV
ajbmeb-2881	10	30	having	have	VERB
ajbmeb-2881	10	31	a	a	DET
ajbmeb-2881	10	32	positive	positive	ADJ
ajbmeb-2881	10	33	effect	effect	NOUN
ajbmeb-2881	10	34	on	on	ADP
ajbmeb-2881	10	35	this	this	DET
ajbmeb-2881	10	36	process	process	NOUN
ajbmeb-2881	10	37	.	.	PUNCT
ajbmeb-2881	11	1	although	although	SCONJ
ajbmeb-2881	11	2	retail	retail	ADJ
ajbmeb-2881	11	3	banking	banking	NOUN
ajbmeb-2881	11	4	services	service	NOUN
ajbmeb-2881	11	5	are	be	AUX
ajbmeb-2881	11	6	considered	consider	VERB
ajbmeb-2881	11	7	a	a	DET
ajbmeb-2881	11	8	theoretically	theoretically	ADV
ajbmeb-2881	11	9	well	well	ADV
ajbmeb-2881	11	10	-	-	PUNCT
ajbmeb-2881	11	11	studied	study	VERB
ajbmeb-2881	11	12	area	area	NOUN
ajbmeb-2881	11	13	,	,	PUNCT
ajbmeb-2881	11	14	there	there	PRON
ajbmeb-2881	11	15	are	be	VERB
ajbmeb-2881	11	16	different	different	ADJ
ajbmeb-2881	11	17	approaches	approach	NOUN
ajbmeb-2881	11	18	to	to	ADP
ajbmeb-2881	11	19	some	some	PRON
ajbmeb-2881	11	20	of	of	ADP
ajbmeb-2881	11	21	its	its	PRON
ajbmeb-2881	11	22	concepts	concept	NOUN
ajbmeb-2881	11	23	,	,	PUNCT
ajbmeb-2881	11	24	structural	structural	ADJ
ajbmeb-2881	11	25	aspects	aspect	NOUN
ajbmeb-2881	11	26	,	,	PUNCT
ajbmeb-2881	11	27	and	and	CCONJ
ajbmeb-2881	11	28	classification	classification	NOUN
ajbmeb-2881	11	29	.	.	PUNCT
ajbmeb-2881	12	1	therefore	therefore	ADV
ajbmeb-2881	12	2	,	,	PUNCT
ajbmeb-2881	12	3	this	this	DET
ajbmeb-2881	12	4	article	article	NOUN
ajbmeb-2881	12	5	aims	aim	VERB
ajbmeb-2881	12	6	to	to	PART
ajbmeb-2881	12	7	review	review	VERB
ajbmeb-2881	12	8	some	some	DET
ajbmeb-2881	12	9	theoretical	theoretical	ADJ
ajbmeb-2881	12	10	aspects	aspect	NOUN
ajbmeb-2881	12	11	of	of	ADP
ajbmeb-2881	12	12	retail	retail	ADJ
ajbmeb-2881	12	13	services	service	NOUN
ajbmeb-2881	12	14	provided	provide	VERB
ajbmeb-2881	12	15	by	by	ADP
ajbmeb-2881	12	16	commercial	commercial	ADJ
ajbmeb-2881	12	17	banks	bank	NOUN
ajbmeb-2881	12	18	,	,	PUNCT
ajbmeb-2881	12	19	identify	identify	VERB
ajbmeb-2881	12	20	their	their	PRON
ajbmeb-2881	12	21	economic	economic	ADJ
ajbmeb-2881	12	22	essence	essence	NOUN
ajbmeb-2881	12	23	,	,	PUNCT
ajbmeb-2881	12	24	and	and	CCONJ
ajbmeb-2881	12	25	generalize	generalize	VERB
ajbmeb-2881	12	26	them	they	PRON
ajbmeb-2881	12	27	based	base	VERB
ajbmeb-2881	12	28	on	on	ADP
ajbmeb-2881	12	29	modern	modern	ADJ
ajbmeb-2881	12	30	approaches	approach	NOUN
ajbmeb-2881	12	31	.	.	PUNCT
ajbmeb-2881	13	1	literature	literature	NOUN
ajbmeb-2881	13	2	review	review	VERB
ajbmeb-2881	13	3	retail	retail	ADJ
ajbmeb-2881	13	4	banking	banking	NOUN
ajbmeb-2881	13	5	services	service	NOUN
ajbmeb-2881	13	6	have	have	AUX
ajbmeb-2881	13	7	been	be	AUX
ajbmeb-2881	13	8	widely	widely	ADV
ajbmeb-2881	13	9	studied	study	VERB
ajbmeb-2881	13	10	by	by	ADP
ajbmeb-2881	13	11	many	many	ADJ
ajbmeb-2881	13	12	foreign	foreign	ADJ
ajbmeb-2881	13	13	and	and	CCONJ
ajbmeb-2881	13	14	domestic	domestic	ADJ
ajbmeb-2881	13	15	scholars	scholar	NOUN
ajbmeb-2881	13	16	as	as	ADP
ajbmeb-2881	13	17	one	one	NUM
ajbmeb-2881	13	18	of	of	ADP
ajbmeb-2881	13	19	the	the	DET
ajbmeb-2881	13	20	important	important	ADJ
ajbmeb-2881	13	21	areas	area	NOUN
ajbmeb-2881	13	22	in	in	ADP
ajbmeb-2881	13	23	the	the	DET
ajbmeb-2881	13	24	activities	activity	NOUN
ajbmeb-2881	13	25	of	of	ADP
ajbmeb-2881	13	26	commercial	commercial	ADJ
ajbmeb-2881	13	27	banks	bank	NOUN
ajbmeb-2881	13	28	.	.	PUNCT
ajbmeb-2881	14	1	these	these	DET
ajbmeb-2881	14	2	services	service	NOUN
ajbmeb-2881	14	3	are	be	AUX
ajbmeb-2881	14	4	characterized	characterize	VERB
ajbmeb-2881	14	5	by	by	ADP
ajbmeb-2881	14	6	direct	direct	ADJ
ajbmeb-2881	14	7	contact	contact	NOUN
ajbmeb-2881	14	8	american	american	PROPN
ajbmeb-2881	14	9	journal	journal	PROPN
ajbmeb-2881	14	10	of	of	ADP
ajbmeb-2881	14	11	business	business	NOUN
ajbmeb-2881	14	12	management	management	NOUN
ajbmeb-2881	14	13	,	,	PUNCT
ajbmeb-2881	14	14	economics	economic	NOUN
ajbmeb-2881	14	15	and	and	CCONJ
ajbmeb-2881	14	16	banking	banking	NOUN
ajbmeb-2881	14	17	volume	volume	NOUN
ajbmeb-2881	14	18	35	35	NUM
ajbmeb-2881	14	19	april	april	PROPN
ajbmeb-2881	14	20	2025	2025	NUM
ajbmeb-2881	14	21	p	p	NOUN
ajbmeb-2881	14	22	a	a	DET
ajbmeb-2881	14	23	g	g	NOUN
ajbmeb-2881	14	24	e	e	NOUN
ajbmeb-2881	14	25	|	|	NOUN
ajbmeb-2881	14	26	123	123	NUM
ajbmeb-2881	14	27	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2881	14	28	with	with	ADP
ajbmeb-2881	14	29	customers	customer	NOUN
ajbmeb-2881	14	30	,	,	PUNCT
ajbmeb-2881	14	31	a	a	DET
ajbmeb-2881	14	32	variety	variety	NOUN
ajbmeb-2881	14	33	of	of	ADP
ajbmeb-2881	14	34	products	product	NOUN
ajbmeb-2881	14	35	and	and	CCONJ
ajbmeb-2881	14	36	services	service	NOUN
ajbmeb-2881	14	37	,	,	PUNCT
ajbmeb-2881	14	38	as	as	ADV
ajbmeb-2881	14	39	well	well	ADV
ajbmeb-2881	14	40	as	as	ADP
ajbmeb-2881	14	41	the	the	DET
ajbmeb-2881	14	42	ability	ability	NOUN
ajbmeb-2881	14	43	to	to	PART
ajbmeb-2881	14	44	get	get	VERB
ajbmeb-2881	14	45	closer	close	ADJ
ajbmeb-2881	14	46	to	to	ADP
ajbmeb-2881	14	47	customers	customer	NOUN
ajbmeb-2881	14	48	[	[	X
ajbmeb-2881	14	49	1	1	NUM
ajbmeb-2881	14	50	]	]	PUNCT
ajbmeb-2881	14	51	.	.	PUNCT
ajbmeb-2881	15	1	a.v	a.v	PROPN
ajbmeb-2881	15	2	.	.	PROPN
ajbmeb-2881	15	3	batovrin	batovrin	PROPN
ajbmeb-2881	15	4	defines	define	VERB
ajbmeb-2881	15	5	retail	retail	ADJ
ajbmeb-2881	15	6	banking	banking	NOUN
ajbmeb-2881	15	7	as	as	ADP
ajbmeb-2881	15	8	“	"	PUNCT
ajbmeb-2881	15	9	a	a	DET
ajbmeb-2881	15	10	type	type	NOUN
ajbmeb-2881	15	11	of	of	ADP
ajbmeb-2881	15	12	banking	banking	NOUN
ajbmeb-2881	15	13	activity	activity	NOUN
ajbmeb-2881	15	14	that	that	PRON
ajbmeb-2881	15	15	offers	offer	VERB
ajbmeb-2881	15	16	customers	customer	NOUN
ajbmeb-2881	15	17	regular	regular	ADJ
ajbmeb-2881	15	18	,	,	PUNCT
ajbmeb-2881	15	19	mass	mass	ADJ
ajbmeb-2881	15	20	and	and	CCONJ
ajbmeb-2881	15	21	standardized	standardized	ADJ
ajbmeb-2881	15	22	services	service	NOUN
ajbmeb-2881	15	23	”	"	PUNCT
ajbmeb-2881	15	24	[	[	X
ajbmeb-2881	15	25	2	2	NUM
ajbmeb-2881	15	26	]	]	PUNCT
ajbmeb-2881	15	27	.	.	PUNCT
ajbmeb-2881	16	1	according	accord	VERB
ajbmeb-2881	16	2	to	to	ADP
ajbmeb-2881	16	3	him	he	PRON
ajbmeb-2881	16	4	,	,	PUNCT
ajbmeb-2881	16	5	the	the	DET
ajbmeb-2881	16	6	level	level	NOUN
ajbmeb-2881	16	7	of	of	ADP
ajbmeb-2881	16	8	competition	competition	NOUN
ajbmeb-2881	16	9	in	in	ADP
ajbmeb-2881	16	10	the	the	DET
ajbmeb-2881	16	11	retail	retail	ADJ
ajbmeb-2881	16	12	services	service	NOUN
ajbmeb-2881	16	13	market	market	NOUN
ajbmeb-2881	16	14	is	be	AUX
ajbmeb-2881	16	15	high	high	ADJ
ajbmeb-2881	16	16	,	,	PUNCT
ajbmeb-2881	16	17	and	and	CCONJ
ajbmeb-2881	16	18	innovative	innovative	ADJ
ajbmeb-2881	16	19	approaches	approach	NOUN
ajbmeb-2881	16	20	and	and	CCONJ
ajbmeb-2881	16	21	digital	digital	ADJ
ajbmeb-2881	16	22	technologies	technology	NOUN
ajbmeb-2881	16	23	serve	serve	VERB
ajbmeb-2881	16	24	to	to	PART
ajbmeb-2881	16	25	increase	increase	VERB
ajbmeb-2881	16	26	the	the	DET
ajbmeb-2881	16	27	efficiency	efficiency	NOUN
ajbmeb-2881	16	28	of	of	ADP
ajbmeb-2881	16	29	banking	banking	NOUN
ajbmeb-2881	16	30	activities	activity	NOUN
ajbmeb-2881	16	31	.	.	PUNCT
ajbmeb-2881	17	1	the	the	DET
ajbmeb-2881	17	2	well	well	ADV
ajbmeb-2881	17	3	-	-	PUNCT
ajbmeb-2881	17	4	known	know	VERB
ajbmeb-2881	17	5	engineer	engineer	NOUN
ajbmeb-2881	17	6	and	and	CCONJ
ajbmeb-2881	17	7	specialist	specialist	NOUN
ajbmeb-2881	17	8	f.s	f.s	PROPN
ajbmeb-2881	17	9	.	.	PUNCT
ajbmeb-2881	17	10	sharipov	sharipov	PROPN
ajbmeb-2881	17	11	pays	pay	VERB
ajbmeb-2881	17	12	special	special	ADJ
ajbmeb-2881	17	13	attention	attention	NOUN
ajbmeb-2881	17	14	to	to	ADP
ajbmeb-2881	17	15	the	the	DET
ajbmeb-2881	17	16	directions	direction	NOUN
ajbmeb-2881	17	17	of	of	ADP
ajbmeb-2881	17	18	development	development	NOUN
ajbmeb-2881	17	19	of	of	ADP
ajbmeb-2881	17	20	retail	retail	ADJ
ajbmeb-2881	17	21	banking	banking	NOUN
ajbmeb-2881	17	22	services	service	NOUN
ajbmeb-2881	17	23	in	in	ADP
ajbmeb-2881	17	24	uzbekistan	uzbekistan	PROPN
ajbmeb-2881	17	25	in	in	ADP
ajbmeb-2881	17	26	his	his	PRON
ajbmeb-2881	17	27	research	research	NOUN
ajbmeb-2881	17	28	.	.	PUNCT
ajbmeb-2881	18	1	in	in	ADP
ajbmeb-2881	18	2	his	his	PRON
ajbmeb-2881	18	3	opinion	opinion	NOUN
ajbmeb-2881	18	4	,	,	PUNCT
ajbmeb-2881	18	5	the	the	DET
ajbmeb-2881	18	6	strength	strength	NOUN
ajbmeb-2881	18	7	of	of	ADP
ajbmeb-2881	18	8	the	the	DET
ajbmeb-2881	18	9	infrastructure	infrastructure	NOUN
ajbmeb-2881	18	10	,	,	PUNCT
ajbmeb-2881	18	11	the	the	DET
ajbmeb-2881	18	12	financial	financial	ADJ
ajbmeb-2881	18	13	literacy	literacy	NOUN
ajbmeb-2881	18	14	of	of	ADP
ajbmeb-2881	18	15	customers	customer	NOUN
ajbmeb-2881	18	16	and	and	CCONJ
ajbmeb-2881	18	17	the	the	DET
ajbmeb-2881	18	18	innovative	innovative	ADJ
ajbmeb-2881	18	19	approaches	approach	NOUN
ajbmeb-2881	18	20	of	of	ADP
ajbmeb-2881	18	21	banks	bank	NOUN
ajbmeb-2881	18	22	play	play	VERB
ajbmeb-2881	18	23	an	an	DET
ajbmeb-2881	18	24	important	important	ADJ
ajbmeb-2881	18	25	role	role	NOUN
ajbmeb-2881	18	26	in	in	ADP
ajbmeb-2881	18	27	providing	provide	VERB
ajbmeb-2881	18	28	banking	banking	NOUN
ajbmeb-2881	18	29	services	service	NOUN
ajbmeb-2881	18	30	to	to	ADP
ajbmeb-2881	18	31	the	the	DET
ajbmeb-2881	18	32	population	population	NOUN
ajbmeb-2881	19	1	[	[	X
ajbmeb-2881	19	2	3	3	NUM
ajbmeb-2881	19	3	]	]	PUNCT
ajbmeb-2881	19	4	.	.	PUNCT
ajbmeb-2881	20	1	also	also	ADV
ajbmeb-2881	20	2	,	,	PUNCT
ajbmeb-2881	20	3	local	local	ADJ
ajbmeb-2881	20	4	scientists	scientist	NOUN
ajbmeb-2881	20	5	such	such	ADJ
ajbmeb-2881	20	6	as	as	ADP
ajbmeb-2881	20	7	m.	m.	NOUN
ajbmeb-2881	20	8	rozikov	rozikov	NOUN
ajbmeb-2881	20	9	and	and	CCONJ
ajbmeb-2881	20	10	b.	b.	PROPN
ajbmeb-2881	20	11	ergashev	ergashev	PROPN
ajbmeb-2881	20	12	have	have	AUX
ajbmeb-2881	20	13	conducted	conduct	VERB
ajbmeb-2881	20	14	scientific	scientific	ADJ
ajbmeb-2881	20	15	research	research	NOUN
ajbmeb-2881	20	16	on	on	ADP
ajbmeb-2881	20	17	the	the	DET
ajbmeb-2881	20	18	role	role	NOUN
ajbmeb-2881	20	19	of	of	ADP
ajbmeb-2881	20	20	retail	retail	ADJ
ajbmeb-2881	20	21	services	service	NOUN
ajbmeb-2881	20	22	in	in	ADP
ajbmeb-2881	20	23	the	the	DET
ajbmeb-2881	20	24	activities	activity	NOUN
ajbmeb-2881	20	25	of	of	ADP
ajbmeb-2881	20	26	uzbek	uzbek	ADJ
ajbmeb-2881	20	27	commercial	commercial	ADJ
ajbmeb-2881	20	28	banks	bank	NOUN
ajbmeb-2881	20	29	and	and	CCONJ
ajbmeb-2881	20	30	their	their	PRON
ajbmeb-2881	20	31	effectiveness	effectiveness	NOUN
ajbmeb-2881	20	32	[	[	X
ajbmeb-2881	20	33	4	4	NUM
ajbmeb-2881	20	34	]	]	PUNCT
ajbmeb-2881	20	35	.	.	PUNCT
ajbmeb-2881	21	1	they	they	PRON
ajbmeb-2881	21	2	evaluate	evaluate	VERB
ajbmeb-2881	21	3	these	these	DET
ajbmeb-2881	21	4	services	service	NOUN
ajbmeb-2881	21	5	as	as	ADP
ajbmeb-2881	21	6	a	a	DET
ajbmeb-2881	21	7	means	means	NOUN
ajbmeb-2881	21	8	of	of	ADP
ajbmeb-2881	21	9	approaching	approach	VERB
ajbmeb-2881	21	10	customers	customer	NOUN
ajbmeb-2881	21	11	and	and	CCONJ
ajbmeb-2881	21	12	a	a	DET
ajbmeb-2881	21	13	mechanism	mechanism	NOUN
ajbmeb-2881	21	14	for	for	ADP
ajbmeb-2881	21	15	ensuring	ensure	VERB
ajbmeb-2881	21	16	financial	financial	ADJ
ajbmeb-2881	21	17	inclusion	inclusion	NOUN
ajbmeb-2881	21	18	.	.	PUNCT
ajbmeb-2881	22	1	in	in	ADP
ajbmeb-2881	22	2	foreign	foreign	ADJ
ajbmeb-2881	22	3	literature	literature	NOUN
ajbmeb-2881	22	4	,	,	PUNCT
ajbmeb-2881	22	5	the	the	DET
ajbmeb-2881	22	6	concept	concept	NOUN
ajbmeb-2881	22	7	of	of	ADP
ajbmeb-2881	22	8	retail	retail	ADJ
ajbmeb-2881	22	9	banking	banking	NOUN
ajbmeb-2881	22	10	is	be	AUX
ajbmeb-2881	22	11	often	often	ADV
ajbmeb-2881	22	12	described	describe	VERB
ajbmeb-2881	22	13	in	in	ADP
ajbmeb-2881	22	14	connection	connection	NOUN
ajbmeb-2881	22	15	with	with	ADP
ajbmeb-2881	22	16	customer	customer	NOUN
ajbmeb-2881	22	17	focus	focus	NOUN
ajbmeb-2881	22	18	,	,	PUNCT
ajbmeb-2881	22	19	mass	mass	NOUN
ajbmeb-2881	22	20	service	service	NOUN
ajbmeb-2881	22	21	provision	provision	NOUN
ajbmeb-2881	22	22	,	,	PUNCT
ajbmeb-2881	22	23	and	and	CCONJ
ajbmeb-2881	22	24	the	the	DET
ajbmeb-2881	22	25	creation	creation	NOUN
ajbmeb-2881	22	26	of	of	ADP
ajbmeb-2881	22	27	competitive	competitive	ADJ
ajbmeb-2881	22	28	products	product	NOUN
ajbmeb-2881	22	29	.	.	PUNCT
ajbmeb-2881	23	1	for	for	ADP
ajbmeb-2881	23	2	example	example	NOUN
ajbmeb-2881	23	3	,	,	PUNCT
ajbmeb-2881	23	4	molyneux	molyneux	PROPN
ajbmeb-2881	23	5	and	and	CCONJ
ajbmeb-2881	23	6	wilson	wilson	PROPN
ajbmeb-2881	23	7	interpreted	interpret	VERB
ajbmeb-2881	23	8	the	the	DET
ajbmeb-2881	23	9	concept	concept	NOUN
ajbmeb-2881	23	10	of	of	ADP
ajbmeb-2881	23	11	retail	retail	ADJ
ajbmeb-2881	23	12	banking	banking	NOUN
ajbmeb-2881	23	13	services	service	NOUN
ajbmeb-2881	23	14	based	base	VERB
ajbmeb-2881	23	15	on	on	ADP
ajbmeb-2881	23	16	a	a	DET
ajbmeb-2881	23	17	customer	customer	NOUN
ajbmeb-2881	23	18	service	service	NOUN
ajbmeb-2881	23	19	culture	culture	NOUN
ajbmeb-2881	23	20	and	and	CCONJ
ajbmeb-2881	23	21	personalized	personalized	ADJ
ajbmeb-2881	23	22	approaches	approach	NOUN
ajbmeb-2881	23	23	[	[	X
ajbmeb-2881	23	24	5	5	NUM
ajbmeb-2881	23	25	]	]	PUNCT
ajbmeb-2881	23	26	.	.	PUNCT
ajbmeb-2881	24	1	thus	thus	ADV
ajbmeb-2881	24	2	,	,	PUNCT
ajbmeb-2881	24	3	an	an	DET
ajbmeb-2881	24	4	analysis	analysis	NOUN
ajbmeb-2881	24	5	of	of	ADP
ajbmeb-2881	24	6	the	the	DET
ajbmeb-2881	24	7	scientific	scientific	ADJ
ajbmeb-2881	24	8	literature	literature	NOUN
ajbmeb-2881	24	9	shows	show	VERB
ajbmeb-2881	24	10	that	that	SCONJ
ajbmeb-2881	24	11	views	view	NOUN
ajbmeb-2881	24	12	and	and	CCONJ
ajbmeb-2881	24	13	definitions	definition	NOUN
ajbmeb-2881	24	14	of	of	ADP
ajbmeb-2881	24	15	retail	retail	ADJ
ajbmeb-2881	24	16	banking	banking	NOUN
ajbmeb-2881	24	17	services	service	NOUN
ajbmeb-2881	24	18	are	be	AUX
ajbmeb-2881	24	19	diverse	diverse	ADJ
ajbmeb-2881	24	20	and	and	CCONJ
ajbmeb-2881	24	21	it	it	PRON
ajbmeb-2881	24	22	is	be	AUX
ajbmeb-2881	24	23	necessary	necessary	ADJ
ajbmeb-2881	24	24	to	to	PART
ajbmeb-2881	24	25	generalize	generalize	VERB
ajbmeb-2881	24	26	them	they	PRON
ajbmeb-2881	24	27	on	on	ADP
ajbmeb-2881	24	28	the	the	DET
ajbmeb-2881	24	29	basis	basis	NOUN
ajbmeb-2881	24	30	of	of	ADP
ajbmeb-2881	24	31	a	a	DET
ajbmeb-2881	24	32	single	single	ADJ
ajbmeb-2881	24	33	theoretical	theoretical	ADJ
ajbmeb-2881	24	34	approach	approach	NOUN
ajbmeb-2881	24	35	.	.	PUNCT
ajbmeb-2881	25	1	this	this	PRON
ajbmeb-2881	25	2	will	will	AUX
ajbmeb-2881	25	3	help	help	VERB
ajbmeb-2881	25	4	to	to	PART
ajbmeb-2881	25	5	rationally	rationally	ADV
ajbmeb-2881	25	6	organize	organize	VERB
ajbmeb-2881	25	7	reforms	reform	NOUN
ajbmeb-2881	25	8	aimed	aim	VERB
ajbmeb-2881	25	9	at	at	ADP
ajbmeb-2881	25	10	increasing	increase	VERB
ajbmeb-2881	25	11	the	the	DET
ajbmeb-2881	25	12	effectiveness	effectiveness	NOUN
ajbmeb-2881	25	13	of	of	ADP
ajbmeb-2881	25	14	these	these	DET
ajbmeb-2881	25	15	services	service	NOUN
ajbmeb-2881	25	16	in	in	ADP
ajbmeb-2881	25	17	commercial	commercial	ADJ
ajbmeb-2881	25	18	banks	bank	NOUN
ajbmeb-2881	25	19	.	.	PUNCT
ajbmeb-2881	26	1	analysis	analysis	NOUN
ajbmeb-2881	26	2	and	and	CCONJ
ajbmeb-2881	26	3	results	result	VERB
ajbmeb-2881	26	4	retail	retail	ADJ
ajbmeb-2881	26	5	banking	banking	NOUN
ajbmeb-2881	26	6	services	service	NOUN
ajbmeb-2881	26	7	are	be	AUX
ajbmeb-2881	26	8	one	one	NUM
ajbmeb-2881	26	9	of	of	ADP
ajbmeb-2881	26	10	the	the	DET
ajbmeb-2881	26	11	strategic	strategic	ADJ
ajbmeb-2881	26	12	directions	direction	NOUN
ajbmeb-2881	26	13	in	in	ADP
ajbmeb-2881	26	14	the	the	DET
ajbmeb-2881	26	15	activities	activity	NOUN
ajbmeb-2881	26	16	of	of	ADP
ajbmeb-2881	26	17	commercial	commercial	ADJ
ajbmeb-2881	26	18	banks	bank	NOUN
ajbmeb-2881	26	19	,	,	PUNCT
ajbmeb-2881	26	20	through	through	ADP
ajbmeb-2881	26	21	which	which	PRON
ajbmeb-2881	26	22	the	the	DET
ajbmeb-2881	26	23	population	population	NOUN
ajbmeb-2881	26	24	and	and	CCONJ
ajbmeb-2881	26	25	small	small	ADJ
ajbmeb-2881	26	26	businesses	business	NOUN
ajbmeb-2881	26	27	are	be	AUX
ajbmeb-2881	26	28	more	more	ADV
ajbmeb-2881	26	29	widely	widely	ADV
ajbmeb-2881	26	30	involved	involve	VERB
ajbmeb-2881	26	31	in	in	ADP
ajbmeb-2881	26	32	banking	banking	NOUN
ajbmeb-2881	26	33	services	service	NOUN
ajbmeb-2881	26	34	.	.	PUNCT
ajbmeb-2881	27	1	analysis	analysis	NOUN
ajbmeb-2881	27	2	of	of	ADP
ajbmeb-2881	27	3	scientific	scientific	ADJ
ajbmeb-2881	27	4	sources	source	NOUN
ajbmeb-2881	27	5	shows	show	VERB
ajbmeb-2881	27	6	that	that	SCONJ
ajbmeb-2881	27	7	retail	retail	ADJ
ajbmeb-2881	27	8	services	service	NOUN
ajbmeb-2881	27	9	not	not	PART
ajbmeb-2881	27	10	only	only	ADV
ajbmeb-2881	27	11	serve	serve	VERB
ajbmeb-2881	27	12	to	to	PART
ajbmeb-2881	27	13	meet	meet	VERB
ajbmeb-2881	27	14	the	the	DET
ajbmeb-2881	27	15	financial	financial	ADJ
ajbmeb-2881	27	16	needs	need	NOUN
ajbmeb-2881	27	17	of	of	ADP
ajbmeb-2881	27	18	customers	customer	NOUN
ajbmeb-2881	27	19	,	,	PUNCT
ajbmeb-2881	27	20	but	but	CCONJ
ajbmeb-2881	27	21	also	also	ADV
ajbmeb-2881	27	22	serve	serve	VERB
ajbmeb-2881	27	23	as	as	ADP
ajbmeb-2881	27	24	a	a	DET
ajbmeb-2881	27	25	stable	stable	ADJ
ajbmeb-2881	27	26	source	source	NOUN
ajbmeb-2881	27	27	of	of	ADP
ajbmeb-2881	27	28	income	income	NOUN
ajbmeb-2881	27	29	for	for	ADP
ajbmeb-2881	27	30	the	the	DET
ajbmeb-2881	27	31	bank	bank	NOUN
ajbmeb-2881	28	1	[	[	X
ajbmeb-2881	28	2	1	1	NUM
ajbmeb-2881	28	3	]	]	PUNCT
ajbmeb-2881	28	4	.	.	PUNCT
ajbmeb-2881	29	1	first	first	ADV
ajbmeb-2881	29	2	,	,	PUNCT
ajbmeb-2881	29	3	the	the	DET
ajbmeb-2881	29	4	main	main	ADJ
ajbmeb-2881	29	5	forms	form	NOUN
ajbmeb-2881	29	6	of	of	ADP
ajbmeb-2881	29	7	retail	retail	ADJ
ajbmeb-2881	29	8	services	service	NOUN
ajbmeb-2881	29	9	deposits	deposit	NOUN
ajbmeb-2881	29	10	,	,	PUNCT
ajbmeb-2881	29	11	consumer	consumer	NOUN
ajbmeb-2881	29	12	loans	loan	NOUN
ajbmeb-2881	29	13	,	,	PUNCT
ajbmeb-2881	29	14	payment	payment	NOUN
ajbmeb-2881	29	15	services	service	NOUN
ajbmeb-2881	29	16	,	,	PUNCT
ajbmeb-2881	29	17	card	card	NOUN
ajbmeb-2881	29	18	services	service	NOUN
ajbmeb-2881	29	19	,	,	PUNCT
ajbmeb-2881	29	20	internet	internet	NOUN
ajbmeb-2881	29	21	and	and	CCONJ
ajbmeb-2881	29	22	mobile	mobile	NOUN
ajbmeb-2881	29	23	banking	banking	NOUN
ajbmeb-2881	29	24	allow	allow	VERB
ajbmeb-2881	29	25	you	you	PRON
ajbmeb-2881	29	26	to	to	PART
ajbmeb-2881	29	27	establish	establish	VERB
ajbmeb-2881	29	28	a	a	DET
ajbmeb-2881	29	29	permanent	permanent	ADJ
ajbmeb-2881	29	30	and	and	CCONJ
ajbmeb-2881	29	31	interactive	interactive	ADJ
ajbmeb-2881	29	32	relationship	relationship	NOUN
ajbmeb-2881	29	33	with	with	ADP
ajbmeb-2881	29	34	customers	customer	NOUN
ajbmeb-2881	29	35	.	.	PUNCT
ajbmeb-2881	30	1	in	in	ADP
ajbmeb-2881	30	2	this	this	DET
ajbmeb-2881	30	3	regard	regard	NOUN
ajbmeb-2881	30	4	,	,	PUNCT
ajbmeb-2881	30	5	the	the	DET
ajbmeb-2881	30	6	introduction	introduction	NOUN
ajbmeb-2881	30	7	of	of	ADP
ajbmeb-2881	30	8	digital	digital	ADJ
ajbmeb-2881	30	9	technologies	technology	NOUN
ajbmeb-2881	30	10	is	be	AUX
ajbmeb-2881	30	11	significantly	significantly	ADV
ajbmeb-2881	30	12	increasing	increase	VERB
ajbmeb-2881	30	13	the	the	DET
ajbmeb-2881	30	14	scope	scope	NOUN
ajbmeb-2881	30	15	and	and	CCONJ
ajbmeb-2881	30	16	quality	quality	NOUN
ajbmeb-2881	30	17	of	of	ADP
ajbmeb-2881	30	18	services	service	NOUN
ajbmeb-2881	30	19	.	.	PUNCT
ajbmeb-2881	31	1	for	for	ADP
ajbmeb-2881	31	2	example	example	NOUN
ajbmeb-2881	31	3	,	,	PUNCT
ajbmeb-2881	31	4	in	in	ADP
ajbmeb-2881	31	5	uzbekistan	uzbekistan	PROPN
ajbmeb-2881	31	6	,	,	PUNCT
ajbmeb-2881	31	7	the	the	DET
ajbmeb-2881	31	8	number	number	NOUN
ajbmeb-2881	31	9	of	of	ADP
ajbmeb-2881	31	10	mobile	mobile	ADJ
ajbmeb-2881	31	11	banking	banking	NOUN
ajbmeb-2881	31	12	users	user	NOUN
ajbmeb-2881	31	13	has	have	AUX
ajbmeb-2881	31	14	increased	increase	VERB
ajbmeb-2881	31	15	by	by	ADP
ajbmeb-2881	31	16	almost	almost	ADV
ajbmeb-2881	31	17	5	5	NUM
ajbmeb-2881	31	18	times	time	NOUN
ajbmeb-2881	31	19	over	over	ADP
ajbmeb-2881	31	20	the	the	DET
ajbmeb-2881	31	21	past	past	ADJ
ajbmeb-2881	31	22	five	five	NUM
ajbmeb-2881	31	23	years	year	NOUN
ajbmeb-2881	32	1	[	[	X
ajbmeb-2881	32	2	6	6	NUM
ajbmeb-2881	32	3	]	]	PUNCT
ajbmeb-2881	32	4	.	.	PUNCT
ajbmeb-2881	33	1	from	from	ADP
ajbmeb-2881	33	2	an	an	DET
ajbmeb-2881	33	3	economic	economic	ADJ
ajbmeb-2881	33	4	point	point	NOUN
ajbmeb-2881	33	5	of	of	ADP
ajbmeb-2881	33	6	view	view	NOUN
ajbmeb-2881	33	7	,	,	PUNCT
ajbmeb-2881	33	8	retail	retail	ADJ
ajbmeb-2881	33	9	services	service	NOUN
ajbmeb-2881	33	10	allow	allow	VERB
ajbmeb-2881	33	11	you	you	PRON
ajbmeb-2881	33	12	to	to	PART
ajbmeb-2881	33	13	diversify	diversify	VERB
ajbmeb-2881	33	14	bank	bank	NOUN
ajbmeb-2881	33	15	resources	resource	NOUN
ajbmeb-2881	33	16	,	,	PUNCT
ajbmeb-2881	33	17	minimize	minimize	VERB
ajbmeb-2881	33	18	risks	risk	NOUN
ajbmeb-2881	33	19	,	,	PUNCT
ajbmeb-2881	33	20	and	and	CCONJ
ajbmeb-2881	33	21	expand	expand	VERB
ajbmeb-2881	33	22	the	the	DET
ajbmeb-2881	33	23	customer	customer	NOUN
ajbmeb-2881	33	24	base	base	NOUN
ajbmeb-2881	33	25	.	.	PUNCT
ajbmeb-2881	34	1	because	because	SCONJ
ajbmeb-2881	34	2	these	these	DET
ajbmeb-2881	34	3	services	service	NOUN
ajbmeb-2881	34	4	are	be	AUX
ajbmeb-2881	34	5	often	often	ADV
ajbmeb-2881	34	6	offered	offer	VERB
ajbmeb-2881	34	7	to	to	ADP
ajbmeb-2881	34	8	a	a	DET
ajbmeb-2881	34	9	large	large	ADJ
ajbmeb-2881	34	10	number	number	NOUN
ajbmeb-2881	34	11	of	of	ADP
ajbmeb-2881	34	12	customers	customer	NOUN
ajbmeb-2881	34	13	in	in	ADP
ajbmeb-2881	34	14	the	the	DET
ajbmeb-2881	34	15	form	form	NOUN
ajbmeb-2881	34	16	of	of	ADP
ajbmeb-2881	34	17	small	small	ADJ
ajbmeb-2881	34	18	transactions	transaction	NOUN
ajbmeb-2881	34	19	,	,	PUNCT
ajbmeb-2881	34	20	and	and	CCONJ
ajbmeb-2881	34	21	this	this	PRON
ajbmeb-2881	34	22	increases	increase	VERB
ajbmeb-2881	34	23	the	the	DET
ajbmeb-2881	34	24	level	level	NOUN
ajbmeb-2881	34	25	of	of	ADP
ajbmeb-2881	34	26	security	security	NOUN
ajbmeb-2881	34	27	for	for	ADP
ajbmeb-2881	34	28	the	the	DET
ajbmeb-2881	34	29	bank	bank	NOUN
ajbmeb-2881	34	30	.	.	PUNCT
ajbmeb-2881	35	1	also	also	ADV
ajbmeb-2881	35	2	,	,	PUNCT
ajbmeb-2881	35	3	banks	bank	NOUN
ajbmeb-2881	35	4	attract	attract	VERB
ajbmeb-2881	35	5	public	public	ADJ
ajbmeb-2881	35	6	funds	fund	NOUN
ajbmeb-2881	35	7	through	through	ADP
ajbmeb-2881	35	8	retail	retail	ADJ
ajbmeb-2881	35	9	services	service	NOUN
ajbmeb-2881	35	10	and	and	CCONJ
ajbmeb-2881	35	11	form	form	VERB
ajbmeb-2881	35	12	a	a	DET
ajbmeb-2881	35	13	long	long	ADJ
ajbmeb-2881	35	14	-	-	PUNCT
ajbmeb-2881	35	15	term	term	NOUN
ajbmeb-2881	35	16	resource	resource	NOUN
ajbmeb-2881	35	17	base	base	NOUN
ajbmeb-2881	35	18	[	[	X
ajbmeb-2881	35	19	7	7	NUM
ajbmeb-2881	35	20	]	]	PUNCT
ajbmeb-2881	35	21	.	.	PUNCT
ajbmeb-2881	36	1	analysis	analysis	NOUN
ajbmeb-2881	36	2	shows	show	VERB
ajbmeb-2881	36	3	that	that	SCONJ
ajbmeb-2881	36	4	the	the	DET
ajbmeb-2881	36	5	share	share	NOUN
ajbmeb-2881	36	6	of	of	ADP
ajbmeb-2881	36	7	retail	retail	ADJ
ajbmeb-2881	36	8	services	service	NOUN
ajbmeb-2881	36	9	in	in	ADP
ajbmeb-2881	36	10	banking	banking	NOUN
ajbmeb-2881	36	11	is	be	AUX
ajbmeb-2881	36	12	increasing	increase	VERB
ajbmeb-2881	36	13	.	.	PUNCT
ajbmeb-2881	37	1	for	for	ADP
ajbmeb-2881	37	2	example	example	NOUN
ajbmeb-2881	37	3	,	,	PUNCT
ajbmeb-2881	37	4	retail	retail	ADJ
ajbmeb-2881	37	5	services	service	NOUN
ajbmeb-2881	37	6	account	account	VERB
ajbmeb-2881	37	7	for	for	ADP
ajbmeb-2881	37	8	approximately	approximately	ADV
ajbmeb-2881	37	9	30–35	30–35	NUM
ajbmeb-2881	37	10	%	%	NOUN
ajbmeb-2881	37	11	of	of	ADP
ajbmeb-2881	37	12	the	the	DET
ajbmeb-2881	37	13	total	total	ADJ
ajbmeb-2881	37	14	active	active	ADJ
ajbmeb-2881	37	15	income	income	NOUN
ajbmeb-2881	37	16	of	of	ADP
ajbmeb-2881	37	17	uzbek	uzbek	ADJ
ajbmeb-2881	37	18	commercial	commercial	ADJ
ajbmeb-2881	37	19	banks	bank	NOUN
ajbmeb-2881	37	20	[	[	X
ajbmeb-2881	37	21	6	6	NUM
ajbmeb-2881	37	22	]	]	PUNCT
ajbmeb-2881	37	23	.	.	PUNCT
ajbmeb-2881	38	1	this	this	PRON
ajbmeb-2881	38	2	further	further	ADJ
ajbmeb-2881	38	3	increases	increase	VERB
ajbmeb-2881	38	4	the	the	DET
ajbmeb-2881	38	5	strategic	strategic	ADJ
ajbmeb-2881	38	6	importance	importance	NOUN
ajbmeb-2881	38	7	of	of	ADP
ajbmeb-2881	38	8	this	this	DET
ajbmeb-2881	38	9	sector	sector	NOUN
ajbmeb-2881	38	10	.	.	PUNCT
ajbmeb-2881	39	1	at	at	ADP
ajbmeb-2881	39	2	the	the	DET
ajbmeb-2881	39	3	same	same	ADJ
ajbmeb-2881	39	4	time	time	NOUN
ajbmeb-2881	39	5	,	,	PUNCT
ajbmeb-2881	39	6	in	in	ADP
ajbmeb-2881	39	7	developing	develop	VERB
ajbmeb-2881	39	8	countries	country	NOUN
ajbmeb-2881	39	9	,	,	PUNCT
ajbmeb-2881	39	10	including	include	VERB
ajbmeb-2881	39	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2881	39	12	,	,	PUNCT
ajbmeb-2881	39	13	it	it	PRON
ajbmeb-2881	39	14	is	be	AUX
ajbmeb-2881	39	15	noted	note	VERB
ajbmeb-2881	39	16	that	that	SCONJ
ajbmeb-2881	39	17	the	the	DET
ajbmeb-2881	39	18	full	full	ADJ
ajbmeb-2881	39	19	coverage	coverage	NOUN
ajbmeb-2881	39	20	of	of	ADP
ajbmeb-2881	39	21	retail	retail	ADJ
ajbmeb-2881	39	22	services	service	NOUN
ajbmeb-2881	39	23	and	and	CCONJ
ajbmeb-2881	39	24	the	the	DET
ajbmeb-2881	39	25	level	level	NOUN
ajbmeb-2881	39	26	of	of	ADP
ajbmeb-2881	39	27	convenience	convenience	NOUN
ajbmeb-2881	39	28	for	for	ADP
ajbmeb-2881	39	29	customers	customer	NOUN
ajbmeb-2881	39	30	are	be	AUX
ajbmeb-2881	39	31	insufficient	insufficient	ADJ
ajbmeb-2881	39	32	.	.	PUNCT
ajbmeb-2881	40	1	one	one	NUM
ajbmeb-2881	40	2	of	of	ADP
ajbmeb-2881	40	3	the	the	DET
ajbmeb-2881	40	4	reasons	reason	NOUN
ajbmeb-2881	40	5	for	for	ADP
ajbmeb-2881	40	6	this	this	PRON
ajbmeb-2881	40	7	is	be	AUX
ajbmeb-2881	40	8	the	the	DET
ajbmeb-2881	40	9	low	low	ADJ
ajbmeb-2881	40	10	level	level	NOUN
ajbmeb-2881	40	11	of	of	ADP
ajbmeb-2881	40	12	financial	financial	ADJ
ajbmeb-2881	40	13	literacy	literacy	NOUN
ajbmeb-2881	40	14	,	,	PUNCT
ajbmeb-2881	40	15	insufficient	insufficient	ADJ
ajbmeb-2881	40	16	development	development	NOUN
ajbmeb-2881	40	17	of	of	ADP
ajbmeb-2881	40	18	infrastructure	infrastructure	NOUN
ajbmeb-2881	40	19	in	in	ADP
ajbmeb-2881	40	20	some	some	DET
ajbmeb-2881	40	21	regions	region	NOUN
ajbmeb-2881	40	22	,	,	PUNCT
ajbmeb-2881	40	23	and	and	CCONJ
ajbmeb-2881	40	24	low	low	ADJ
ajbmeb-2881	40	25	trust	trust	NOUN
ajbmeb-2881	40	26	in	in	ADP
ajbmeb-2881	40	27	digital	digital	ADJ
ajbmeb-2881	40	28	platforms	platform	NOUN
ajbmeb-2881	41	1	[	[	X
ajbmeb-2881	41	2	6	6	NUM
ajbmeb-2881	41	3	]	]	PUNCT
ajbmeb-2881	41	4	.	.	PUNCT
ajbmeb-2881	42	1	american	american	PROPN
ajbmeb-2881	42	2	journal	journal	PROPN
ajbmeb-2881	42	3	of	of	ADP
ajbmeb-2881	42	4	business	business	NOUN
ajbmeb-2881	42	5	management	management	NOUN
ajbmeb-2881	42	6	,	,	PUNCT
ajbmeb-2881	42	7	economics	economic	NOUN
ajbmeb-2881	42	8	and	and	CCONJ
ajbmeb-2881	42	9	banking	banking	NOUN
ajbmeb-2881	42	10	volume	volume	NOUN
ajbmeb-2881	42	11	35	35	NUM
ajbmeb-2881	42	12	april	april	PROPN
ajbmeb-2881	42	13	2025	2025	NUM
ajbmeb-2881	42	14	p	p	NOUN
ajbmeb-2881	42	15	a	a	DET
ajbmeb-2881	42	16	g	g	NOUN
ajbmeb-2881	42	17	e	e	NOUN
ajbmeb-2881	42	18	|	|	NOUN
ajbmeb-2881	42	19	124	124	NUM
ajbmeb-2881	42	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2881	42	21	from	from	ADP
ajbmeb-2881	42	22	the	the	DET
ajbmeb-2881	42	23	above	above	NOUN
ajbmeb-2881	42	24	,	,	PUNCT
ajbmeb-2881	42	25	it	it	PRON
ajbmeb-2881	42	26	is	be	AUX
ajbmeb-2881	42	27	clear	clear	ADJ
ajbmeb-2881	42	28	that	that	SCONJ
ajbmeb-2881	42	29	retail	retail	ADJ
ajbmeb-2881	42	30	banking	banking	NOUN
ajbmeb-2881	42	31	services	service	NOUN
ajbmeb-2881	42	32	are	be	AUX
ajbmeb-2881	42	33	theoretically	theoretically	ADV
ajbmeb-2881	42	34	an	an	DET
ajbmeb-2881	42	35	important	important	ADJ
ajbmeb-2881	42	36	mechanism	mechanism	NOUN
ajbmeb-2881	42	37	for	for	ADP
ajbmeb-2881	42	38	ensuring	ensure	VERB
ajbmeb-2881	42	39	economic	economic	ADJ
ajbmeb-2881	42	40	stability	stability	NOUN
ajbmeb-2881	42	41	,	,	PUNCT
ajbmeb-2881	42	42	deepening	deepen	VERB
ajbmeb-2881	42	43	market	market	NOUN
ajbmeb-2881	42	44	relations	relation	NOUN
ajbmeb-2881	42	45	,	,	PUNCT
ajbmeb-2881	42	46	and	and	CCONJ
ajbmeb-2881	42	47	financial	financial	ADJ
ajbmeb-2881	42	48	inclusion	inclusion	NOUN
ajbmeb-2881	42	49	.	.	PUNCT
ajbmeb-2881	43	1	therefore	therefore	ADV
ajbmeb-2881	43	2	,	,	PUNCT
ajbmeb-2881	43	3	it	it	PRON
ajbmeb-2881	43	4	would	would	AUX
ajbmeb-2881	43	5	be	be	AUX
ajbmeb-2881	43	6	advisable	advisable	ADJ
ajbmeb-2881	43	7	for	for	SCONJ
ajbmeb-2881	43	8	commercial	commercial	ADJ
ajbmeb-2881	43	9	banks	bank	NOUN
ajbmeb-2881	43	10	to	to	PART
ajbmeb-2881	43	11	reconsider	reconsider	VERB
ajbmeb-2881	43	12	their	their	PRON
ajbmeb-2881	43	13	retail	retail	ADJ
ajbmeb-2881	43	14	services	service	NOUN
ajbmeb-2881	43	15	strategy	strategy	NOUN
ajbmeb-2881	43	16	not	not	PART
ajbmeb-2881	43	17	only	only	ADV
ajbmeb-2881	43	18	from	from	ADP
ajbmeb-2881	43	19	a	a	DET
ajbmeb-2881	43	20	technical	technical	ADJ
ajbmeb-2881	43	21	perspective	perspective	NOUN
ajbmeb-2881	43	22	,	,	PUNCT
ajbmeb-2881	43	23	but	but	CCONJ
ajbmeb-2881	43	24	also	also	ADV
ajbmeb-2881	43	25	from	from	ADP
ajbmeb-2881	43	26	a	a	DET
ajbmeb-2881	43	27	customer	customer	NOUN
ajbmeb-2881	43	28	-	-	PUNCT
ajbmeb-2881	43	29	oriented	orient	VERB
ajbmeb-2881	43	30	perspective	perspective	NOUN
ajbmeb-2881	43	31	.	.	PUNCT
ajbmeb-2881	44	1	table	table	NOUN
ajbmeb-2881	44	2	1	1	NUM
ajbmeb-2881	44	3	number	number	NOUN
ajbmeb-2881	44	4	of	of	ADP
ajbmeb-2881	44	5	customers	customer	NOUN
ajbmeb-2881	44	6	by	by	ADP
ajbmeb-2881	44	7	types	type	NOUN
ajbmeb-2881	44	8	of	of	ADP
ajbmeb-2881	44	9	retail	retail	ADJ
ajbmeb-2881	44	10	banking	banking	NOUN
ajbmeb-2881	44	11	services1	services1	NOUN
ajbmeb-2881	45	1	(	(	PUNCT
ajbmeb-2881	45	2	in	in	ADP
ajbmeb-2881	45	3	the	the	DET
ajbmeb-2881	45	4	case	case	NOUN
ajbmeb-2881	45	5	of	of	ADP
ajbmeb-2881	45	6	uzmilliybank	uzmilliybank	PROPN
ajbmeb-2881	45	7	jsc	jsc	PROPN
ajbmeb-2881	45	8	bukhara	bukhara	PROPN
ajbmeb-2881	45	9	region	region	PROPN
ajbmeb-2881	45	10	)	)	PUNCT
ajbmeb-2881	45	11	type	type	NOUN
ajbmeb-2881	45	12	of	of	ADP
ajbmeb-2881	45	13	service	service	NOUN
ajbmeb-2881	45	14	2021	2021	NUM
ajbmeb-2881	45	15	year	year	NOUN
ajbmeb-2881	45	16	2022	2022	NUM
ajbmeb-2881	45	17	year	year	NOUN
ajbmeb-2881	45	18	2023	2023	NUM
ajbmeb-2881	45	19	year	year	NOUN
ajbmeb-2881	45	20	loans	loan	NOUN
ajbmeb-2881	45	21	to	to	ADP
ajbmeb-2881	45	22	individuals	individual	NOUN
ajbmeb-2881	45	23	(	(	PUNCT
ajbmeb-2881	45	24	thousands	thousand	NOUN
ajbmeb-2881	45	25	)	)	PUNCT
ajbmeb-2881	45	26	150	150	NUM
ajbmeb-2881	45	27	180	180	NUM
ajbmeb-2881	45	28	210	210	NUM
ajbmeb-2881	45	29	plastic	plastic	NOUN
ajbmeb-2881	45	30	card	card	NOUN
ajbmeb-2881	45	31	users	user	NOUN
ajbmeb-2881	45	32	(	(	PUNCT
ajbmeb-2881	45	33	thousands	thousand	NOUN
ajbmeb-2881	45	34	)	)	PUNCT
ajbmeb-2881	45	35	500	500	NUM
ajbmeb-2881	45	36	600	600	NUM
ajbmeb-2881	45	37	750	750	NUM
ajbmeb-2881	45	38	internet	internet	NOUN
ajbmeb-2881	45	39	banking	banking	NOUN
ajbmeb-2881	45	40	users	user	NOUN
ajbmeb-2881	45	41	(	(	PUNCT
ajbmeb-2881	45	42	thousands	thousand	NOUN
ajbmeb-2881	45	43	)	)	PUNCT
ajbmeb-2881	45	44	200	200	NUM
ajbmeb-2881	45	45	250	250	NUM
ajbmeb-2881	45	46	300	300	NUM
ajbmeb-2881	45	47	mobile	mobile	ADJ
ajbmeb-2881	45	48	app	app	NOUN
ajbmeb-2881	45	49	users	user	NOUN
ajbmeb-2881	45	50	(	(	PUNCT
ajbmeb-2881	45	51	thousands	thousand	NOUN
ajbmeb-2881	45	52	)	)	PUNCT
ajbmeb-2881	45	53	150	150	NUM
ajbmeb-2881	45	54	220	220	NUM
ajbmeb-2881	45	55	280	280	NUM
ajbmeb-2881	45	56	warehouse	warehouse	NOUN
ajbmeb-2881	45	57	funds	fund	NOUN
ajbmeb-2881	45	58	(	(	PUNCT
ajbmeb-2881	45	59	thousands	thousand	NOUN
ajbmeb-2881	45	60	)	)	PUNCT
ajbmeb-2881	45	61	400	400	NUM
ajbmeb-2881	45	62	450	450	NUM
ajbmeb-2881	45	63	500	500	NUM
ajbmeb-2881	45	64	analysis	analysis	NOUN
ajbmeb-2881	45	65	of	of	ADP
ajbmeb-2881	45	66	the	the	DET
ajbmeb-2881	45	67	table	table	NOUN
ajbmeb-2881	45	68	data	datum	NOUN
ajbmeb-2881	45	69	shows	show	VERB
ajbmeb-2881	45	70	that	that	SCONJ
ajbmeb-2881	45	71	during	during	ADP
ajbmeb-2881	45	72	2021	2021	NUM
ajbmeb-2881	45	73	-	-	SYM
ajbmeb-2881	45	74	2023	2023	NUM
ajbmeb-2881	45	75	,	,	PUNCT
ajbmeb-2881	45	76	there	there	PRON
ajbmeb-2881	45	77	has	have	AUX
ajbmeb-2881	45	78	been	be	AUX
ajbmeb-2881	45	79	a	a	DET
ajbmeb-2881	45	80	steady	steady	ADJ
ajbmeb-2881	45	81	growth	growth	NOUN
ajbmeb-2881	45	82	in	in	ADP
ajbmeb-2881	45	83	the	the	DET
ajbmeb-2881	45	84	activities	activity	NOUN
ajbmeb-2881	45	85	of	of	ADP
ajbmeb-2881	45	86	commercial	commercial	ADJ
ajbmeb-2881	45	87	banks	bank	NOUN
ajbmeb-2881	45	88	in	in	ADP
ajbmeb-2881	45	89	the	the	DET
ajbmeb-2881	45	90	field	field	NOUN
ajbmeb-2881	45	91	of	of	ADP
ajbmeb-2881	45	92	retail	retail	ADJ
ajbmeb-2881	45	93	services	service	NOUN
ajbmeb-2881	45	94	.	.	PUNCT
ajbmeb-2881	46	1	this	this	PRON
ajbmeb-2881	46	2	confirms	confirm	VERB
ajbmeb-2881	46	3	the	the	DET
ajbmeb-2881	46	4	intensification	intensification	NOUN
ajbmeb-2881	46	5	of	of	ADP
ajbmeb-2881	46	6	digital	digital	ADJ
ajbmeb-2881	46	7	transformation	transformation	NOUN
ajbmeb-2881	46	8	processes	process	NOUN
ajbmeb-2881	46	9	in	in	ADP
ajbmeb-2881	46	10	the	the	DET
ajbmeb-2881	46	11	banking	banking	NOUN
ajbmeb-2881	46	12	system	system	NOUN
ajbmeb-2881	46	13	,	,	PUNCT
ajbmeb-2881	46	14	the	the	DET
ajbmeb-2881	46	15	increasing	increase	VERB
ajbmeb-2881	46	16	demand	demand	NOUN
ajbmeb-2881	46	17	of	of	ADP
ajbmeb-2881	46	18	the	the	DET
ajbmeb-2881	46	19	population	population	NOUN
ajbmeb-2881	46	20	for	for	ADP
ajbmeb-2881	46	21	financial	financial	ADJ
ajbmeb-2881	46	22	services	service	NOUN
ajbmeb-2881	46	23	,	,	PUNCT
ajbmeb-2881	46	24	and	and	CCONJ
ajbmeb-2881	46	25	the	the	DET
ajbmeb-2881	46	26	active	active	ADJ
ajbmeb-2881	46	27	efforts	effort	NOUN
ajbmeb-2881	46	28	of	of	ADP
ajbmeb-2881	46	29	banks	bank	NOUN
ajbmeb-2881	46	30	to	to	PART
ajbmeb-2881	46	31	meet	meet	VERB
ajbmeb-2881	46	32	the	the	DET
ajbmeb-2881	46	33	needs	need	NOUN
ajbmeb-2881	46	34	of	of	ADP
ajbmeb-2881	46	35	customers	customer	NOUN
ajbmeb-2881	46	36	.	.	PUNCT
ajbmeb-2881	47	1	the	the	DET
ajbmeb-2881	47	2	number	number	NOUN
ajbmeb-2881	47	3	of	of	ADP
ajbmeb-2881	47	4	loans	loan	NOUN
ajbmeb-2881	47	5	granted	grant	VERB
ajbmeb-2881	47	6	to	to	ADP
ajbmeb-2881	47	7	individuals	individual	NOUN
ajbmeb-2881	47	8	amounted	amount	VERB
ajbmeb-2881	47	9	to	to	ADP
ajbmeb-2881	47	10	150	150	NUM
ajbmeb-2881	47	11	thousand	thousand	NUM
ajbmeb-2881	47	12	in	in	ADP
ajbmeb-2881	47	13	2021	2021	NUM
ajbmeb-2881	47	14	,	,	PUNCT
ajbmeb-2881	47	15	and	and	CCONJ
ajbmeb-2881	47	16	reached	reach	VERB
ajbmeb-2881	47	17	210	210	NUM
ajbmeb-2881	47	18	thousand	thousand	NUM
ajbmeb-2881	47	19	in	in	ADP
ajbmeb-2881	47	20	2023	2023	NUM
ajbmeb-2881	47	21	.	.	PUNCT
ajbmeb-2881	48	1	that	that	PRON
ajbmeb-2881	48	2	is	is	ADV
ajbmeb-2881	48	3	,	,	PUNCT
ajbmeb-2881	48	4	a	a	DET
ajbmeb-2881	48	5	40	40	NUM
ajbmeb-2881	48	6	%	%	NOUN
ajbmeb-2881	48	7	increase	increase	NOUN
ajbmeb-2881	48	8	was	be	AUX
ajbmeb-2881	48	9	observed	observe	VERB
ajbmeb-2881	48	10	over	over	ADP
ajbmeb-2881	48	11	two	two	NUM
ajbmeb-2881	48	12	years	year	NOUN
ajbmeb-2881	48	13	.	.	PUNCT
ajbmeb-2881	49	1	this	this	DET
ajbmeb-2881	49	2	growth	growth	NOUN
ajbmeb-2881	49	3	indicates	indicate	VERB
ajbmeb-2881	49	4	that	that	SCONJ
ajbmeb-2881	49	5	the	the	DET
ajbmeb-2881	49	6	population	population	NOUN
ajbmeb-2881	49	7	's	's	PART
ajbmeb-2881	49	8	confidence	confidence	NOUN
ajbmeb-2881	49	9	in	in	ADP
ajbmeb-2881	49	10	bank	bank	NOUN
ajbmeb-2881	49	11	loans	loan	NOUN
ajbmeb-2881	49	12	is	be	AUX
ajbmeb-2881	49	13	increasing	increase	VERB
ajbmeb-2881	49	14	and	and	CCONJ
ajbmeb-2881	49	15	banks	bank	NOUN
ajbmeb-2881	49	16	are	be	AUX
ajbmeb-2881	49	17	expanding	expand	VERB
ajbmeb-2881	49	18	retail	retail	ADJ
ajbmeb-2881	49	19	credit	credit	NOUN
ajbmeb-2881	49	20	products	product	NOUN
ajbmeb-2881	49	21	.	.	PUNCT
ajbmeb-2881	50	1	the	the	DET
ajbmeb-2881	50	2	number	number	NOUN
ajbmeb-2881	50	3	of	of	ADP
ajbmeb-2881	50	4	plastic	plastic	ADJ
ajbmeb-2881	50	5	card	card	NOUN
ajbmeb-2881	50	6	users	user	NOUN
ajbmeb-2881	50	7	was	be	AUX
ajbmeb-2881	50	8	500	500	NUM
ajbmeb-2881	50	9	thousand	thousand	NUM
ajbmeb-2881	50	10	in	in	ADP
ajbmeb-2881	50	11	2021	2021	NUM
ajbmeb-2881	50	12	,	,	PUNCT
ajbmeb-2881	50	13	and	and	CCONJ
ajbmeb-2881	50	14	reached	reach	VERB
ajbmeb-2881	50	15	750	750	NUM
ajbmeb-2881	50	16	thousand	thousand	NUM
ajbmeb-2881	50	17	in	in	ADP
ajbmeb-2881	50	18	2023	2023	NUM
ajbmeb-2881	50	19	.	.	PUNCT
ajbmeb-2881	51	1	this	this	PRON
ajbmeb-2881	51	2	represents	represent	VERB
ajbmeb-2881	51	3	a	a	DET
ajbmeb-2881	51	4	50	50	NUM
ajbmeb-2881	51	5	%	%	NOUN
ajbmeb-2881	51	6	increase	increase	NOUN
ajbmeb-2881	51	7	and	and	CCONJ
ajbmeb-2881	51	8	indicates	indicate	VERB
ajbmeb-2881	51	9	that	that	SCONJ
ajbmeb-2881	51	10	the	the	DET
ajbmeb-2881	51	11	population	population	NOUN
ajbmeb-2881	51	12	is	be	AUX
ajbmeb-2881	51	13	actively	actively	ADV
ajbmeb-2881	51	14	transitioning	transition	VERB
ajbmeb-2881	51	15	to	to	ADP
ajbmeb-2881	51	16	cashless	cashless	NOUN
ajbmeb-2881	51	17	payments	payment	NOUN
ajbmeb-2881	51	18	.	.	PUNCT
ajbmeb-2881	52	1	the	the	DET
ajbmeb-2881	52	2	convenient	convenient	ADJ
ajbmeb-2881	52	3	infrastructure	infrastructure	NOUN
ajbmeb-2881	52	4	and	and	CCONJ
ajbmeb-2881	52	5	promotional	promotional	ADJ
ajbmeb-2881	52	6	card	card	NOUN
ajbmeb-2881	52	7	system	system	NOUN
ajbmeb-2881	52	8	created	create	VERB
ajbmeb-2881	52	9	by	by	ADP
ajbmeb-2881	52	10	banks	bank	NOUN
ajbmeb-2881	52	11	were	be	AUX
ajbmeb-2881	52	12	an	an	DET
ajbmeb-2881	52	13	important	important	ADJ
ajbmeb-2881	52	14	factor	factor	NOUN
ajbmeb-2881	52	15	in	in	ADP
ajbmeb-2881	52	16	this	this	PRON
ajbmeb-2881	52	17	.	.	PUNCT
ajbmeb-2881	53	1	the	the	DET
ajbmeb-2881	53	2	number	number	NOUN
ajbmeb-2881	53	3	of	of	ADP
ajbmeb-2881	53	4	internet	internet	NOUN
ajbmeb-2881	53	5	banking	banking	NOUN
ajbmeb-2881	53	6	users	user	NOUN
ajbmeb-2881	53	7	increased	increase	VERB
ajbmeb-2881	53	8	from	from	ADP
ajbmeb-2881	53	9	200	200	NUM
ajbmeb-2881	53	10	thousand	thousand	NUM
ajbmeb-2881	53	11	in	in	ADP
ajbmeb-2881	53	12	2021	2021	NUM
ajbmeb-2881	53	13	to	to	ADP
ajbmeb-2881	53	14	300	300	NUM
ajbmeb-2881	53	15	thousand	thousand	NUM
ajbmeb-2881	53	16	in	in	ADP
ajbmeb-2881	53	17	2023	2023	NUM
ajbmeb-2881	53	18	.	.	PUNCT
ajbmeb-2881	54	1	this	this	PRON
ajbmeb-2881	54	2	is	be	AUX
ajbmeb-2881	54	3	also	also	ADV
ajbmeb-2881	54	4	an	an	DET
ajbmeb-2881	54	5	increase	increase	NOUN
ajbmeb-2881	54	6	of	of	ADP
ajbmeb-2881	54	7	50	50	NUM
ajbmeb-2881	54	8	%	%	NOUN
ajbmeb-2881	54	9	,	,	PUNCT
ajbmeb-2881	54	10	which	which	PRON
ajbmeb-2881	54	11	indicates	indicate	VERB
ajbmeb-2881	54	12	increased	increase	VERB
ajbmeb-2881	54	13	confidence	confidence	NOUN
ajbmeb-2881	54	14	in	in	ADP
ajbmeb-2881	54	15	internet	internet	NOUN
ajbmeb-2881	54	16	technologies	technology	NOUN
ajbmeb-2881	54	17	,	,	PUNCT
ajbmeb-2881	54	18	the	the	DET
ajbmeb-2881	54	19	introduction	introduction	NOUN
ajbmeb-2881	54	20	of	of	ADP
ajbmeb-2881	54	21	additional	additional	ADJ
ajbmeb-2881	54	22	online	online	ADJ
ajbmeb-2881	54	23	services	service	NOUN
ajbmeb-2881	54	24	,	,	PUNCT
ajbmeb-2881	54	25	and	and	CCONJ
ajbmeb-2881	54	26	improved	improved	ADJ
ajbmeb-2881	54	27	integration	integration	NOUN
ajbmeb-2881	54	28	with	with	ADP
ajbmeb-2881	54	29	mobile	mobile	ADJ
ajbmeb-2881	54	30	applications	application	NOUN
ajbmeb-2881	54	31	.	.	PUNCT
ajbmeb-2881	55	1	the	the	DET
ajbmeb-2881	55	2	number	number	NOUN
ajbmeb-2881	55	3	of	of	ADP
ajbmeb-2881	55	4	mobile	mobile	ADJ
ajbmeb-2881	55	5	application	application	NOUN
ajbmeb-2881	55	6	users	user	NOUN
ajbmeb-2881	55	7	increased	increase	VERB
ajbmeb-2881	55	8	from	from	ADP
ajbmeb-2881	55	9	150	150	NUM
ajbmeb-2881	55	10	thousand	thousand	NUM
ajbmeb-2881	55	11	in	in	ADP
ajbmeb-2881	55	12	2021	2021	NUM
ajbmeb-2881	55	13	to	to	ADP
ajbmeb-2881	55	14	280	280	NUM
ajbmeb-2881	55	15	thousand	thousand	NUM
ajbmeb-2881	55	16	in	in	ADP
ajbmeb-2881	55	17	2023	2023	NUM
ajbmeb-2881	55	18	.	.	PUNCT
ajbmeb-2881	56	1	this	this	PRON
ajbmeb-2881	56	2	is	be	AUX
ajbmeb-2881	56	3	the	the	DET
ajbmeb-2881	56	4	highest	high	ADJ
ajbmeb-2881	56	5	growth	growth	NOUN
ajbmeb-2881	56	6	rate	rate	NOUN
ajbmeb-2881	56	7	in	in	ADP
ajbmeb-2881	56	8	the	the	DET
ajbmeb-2881	56	9	table	table	NOUN
ajbmeb-2881	56	10	with	with	ADP
ajbmeb-2881	56	11	an	an	DET
ajbmeb-2881	56	12	indicator	indicator	NOUN
ajbmeb-2881	56	13	of	of	ADP
ajbmeb-2881	56	14	86.7	86.7	NUM
ajbmeb-2881	56	15	%	%	NOUN
ajbmeb-2881	56	16	.	.	PUNCT
ajbmeb-2881	57	1	such	such	ADJ
ajbmeb-2881	57	2	dynamics	dynamic	NOUN
ajbmeb-2881	57	3	indicate	indicate	VERB
ajbmeb-2881	57	4	that	that	SCONJ
ajbmeb-2881	57	5	mobile	mobile	ADJ
ajbmeb-2881	57	6	banking	banking	NOUN
ajbmeb-2881	57	7	is	be	AUX
ajbmeb-2881	57	8	gaining	gain	VERB
ajbmeb-2881	57	9	popularity	popularity	NOUN
ajbmeb-2881	57	10	among	among	ADP
ajbmeb-2881	57	11	the	the	DET
ajbmeb-2881	57	12	population	population	NOUN
ajbmeb-2881	57	13	due	due	ADP
ajbmeb-2881	57	14	to	to	ADP
ajbmeb-2881	57	15	its	its	PRON
ajbmeb-2881	57	16	speed	speed	NOUN
ajbmeb-2881	57	17	,	,	PUNCT
ajbmeb-2881	57	18	convenience	convenience	NOUN
ajbmeb-2881	57	19	,	,	PUNCT
ajbmeb-2881	57	20	and	and	CCONJ
ajbmeb-2881	57	21	constant	constant	ADJ
ajbmeb-2881	57	22	updating	updating	NOUN
ajbmeb-2881	57	23	.	.	PUNCT
ajbmeb-2881	58	1	depository	depository	NOUN
ajbmeb-2881	58	2	deposits	deposit	NOUN
ajbmeb-2881	58	3	(	(	PUNCT
ajbmeb-2881	58	4	the	the	DET
ajbmeb-2881	58	5	number	number	NOUN
ajbmeb-2881	58	6	of	of	ADP
ajbmeb-2881	58	7	depositors	depositor	NOUN
ajbmeb-2881	58	8	)	)	PUNCT
ajbmeb-2881	58	9	increased	increase	VERB
ajbmeb-2881	58	10	from	from	ADP
ajbmeb-2881	58	11	400	400	NUM
ajbmeb-2881	58	12	thousand	thousand	NUM
ajbmeb-2881	58	13	in	in	ADP
ajbmeb-2881	58	14	2021	2021	NUM
ajbmeb-2881	58	15	to	to	ADP
ajbmeb-2881	58	16	500	500	NUM
ajbmeb-2881	58	17	thousand	thousand	NUM
ajbmeb-2881	58	18	in	in	ADP
ajbmeb-2881	58	19	2023	2023	NUM
ajbmeb-2881	58	20	.	.	PUNCT
ajbmeb-2881	59	1	the	the	DET
ajbmeb-2881	59	2	25	25	NUM
ajbmeb-2881	59	3	%	%	NOUN
ajbmeb-2881	59	4	growth	growth	NOUN
ajbmeb-2881	59	5	indicates	indicate	VERB
ajbmeb-2881	59	6	that	that	SCONJ
ajbmeb-2881	59	7	the	the	DET
ajbmeb-2881	59	8	population	population	NOUN
ajbmeb-2881	59	9	has	have	AUX
ajbmeb-2881	59	10	increased	increase	VERB
ajbmeb-2881	59	11	confidence	confidence	NOUN
ajbmeb-2881	59	12	in	in	ADP
ajbmeb-2881	59	13	the	the	DET
ajbmeb-2881	59	14	banking	banking	NOUN
ajbmeb-2881	59	15	system	system	NOUN
ajbmeb-2881	59	16	and	and	CCONJ
ajbmeb-2881	59	17	is	be	AUX
ajbmeb-2881	59	18	turning	turn	VERB
ajbmeb-2881	59	19	to	to	ADP
ajbmeb-2881	59	20	official	official	ADJ
ajbmeb-2881	59	21	financial	financial	ADJ
ajbmeb-2881	59	22	institutions	institution	NOUN
ajbmeb-2881	59	23	to	to	PART
ajbmeb-2881	59	24	store	store	VERB
ajbmeb-2881	59	25	and	and	CCONJ
ajbmeb-2881	59	26	increase	increase	VERB
ajbmeb-2881	59	27	their	their	PRON
ajbmeb-2881	59	28	funds	fund	NOUN
ajbmeb-2881	59	29	.	.	PUNCT
ajbmeb-2881	60	1	based	base	VERB
ajbmeb-2881	60	2	on	on	ADP
ajbmeb-2881	60	3	the	the	DET
ajbmeb-2881	60	4	analysis	analysis	NOUN
ajbmeb-2881	60	5	,	,	PUNCT
ajbmeb-2881	60	6	it	it	PRON
ajbmeb-2881	60	7	can	can	AUX
ajbmeb-2881	60	8	be	be	AUX
ajbmeb-2881	60	9	said	say	VERB
ajbmeb-2881	60	10	that	that	SCONJ
ajbmeb-2881	60	11	the	the	DET
ajbmeb-2881	60	12	volume	volume	NOUN
ajbmeb-2881	60	13	and	and	CCONJ
ajbmeb-2881	60	14	quality	quality	NOUN
ajbmeb-2881	60	15	of	of	ADP
ajbmeb-2881	60	16	retail	retail	ADJ
ajbmeb-2881	60	17	services	service	NOUN
ajbmeb-2881	60	18	provided	provide	VERB
ajbmeb-2881	60	19	by	by	ADP
ajbmeb-2881	60	20	commercial	commercial	ADJ
ajbmeb-2881	60	21	banks	bank	NOUN
ajbmeb-2881	60	22	in	in	ADP
ajbmeb-2881	60	23	uzbekistan	uzbekistan	PROPN
ajbmeb-2881	60	24	is	be	AUX
ajbmeb-2881	60	25	increasing	increase	VERB
ajbmeb-2881	60	26	year	year	NOUN
ajbmeb-2881	60	27	by	by	ADP
ajbmeb-2881	60	28	year	year	NOUN
ajbmeb-2881	60	29	.	.	PUNCT
ajbmeb-2881	61	1	the	the	DET
ajbmeb-2881	61	2	rapid	rapid	ADJ
ajbmeb-2881	61	3	development	development	NOUN
ajbmeb-2881	61	4	of	of	ADP
ajbmeb-2881	61	5	digital	digital	ADJ
ajbmeb-2881	61	6	services	service	NOUN
ajbmeb-2881	61	7	internet	internet	NOUN
ajbmeb-2881	61	8	and	and	CCONJ
ajbmeb-2881	61	9	mobile	mobile	ADJ
ajbmeb-2881	61	10	banking	banking	NOUN
ajbmeb-2881	61	11	services	service	NOUN
ajbmeb-2881	61	12	serves	serve	VERB
ajbmeb-2881	61	13	to	to	PART
ajbmeb-2881	61	14	improve	improve	VERB
ajbmeb-2881	61	15	interactive	interactive	ADJ
ajbmeb-2881	61	16	communications	communication	NOUN
ajbmeb-2881	61	17	with	with	ADP
ajbmeb-2881	61	18	the	the	DET
ajbmeb-2881	61	19	population	population	NOUN
ajbmeb-2881	61	20	and	and	CCONJ
ajbmeb-2881	61	21	increase	increase	VERB
ajbmeb-2881	61	22	the	the	DET
ajbmeb-2881	61	23	efficiency	efficiency	NOUN
ajbmeb-2881	61	24	of	of	ADP
ajbmeb-2881	61	25	banking	banking	NOUN
ajbmeb-2881	61	26	activities	activity	NOUN
ajbmeb-2881	61	27	.	.	PUNCT
ajbmeb-2881	62	1	also	also	ADV
ajbmeb-2881	62	2	,	,	PUNCT
ajbmeb-2881	62	3	the	the	DET
ajbmeb-2881	62	4	growth	growth	NOUN
ajbmeb-2881	62	5	of	of	ADP
ajbmeb-2881	62	6	deposit	deposit	NOUN
ajbmeb-2881	62	7	and	and	CCONJ
ajbmeb-2881	62	8	loan	loan	NOUN
ajbmeb-2881	62	9	services	service	NOUN
ajbmeb-2881	62	10	is	be	AUX
ajbmeb-2881	62	11	becoming	become	VERB
ajbmeb-2881	62	12	increasingly	increasingly	ADV
ajbmeb-2881	62	13	important	important	ADJ
ajbmeb-2881	62	14	in	in	ADP
ajbmeb-2881	62	15	ensuring	ensure	VERB
ajbmeb-2881	62	16	financial	financial	ADJ
ajbmeb-2881	62	17	inclusion	inclusion	NOUN
ajbmeb-2881	62	18	.	.	PUNCT
ajbmeb-2881	63	1	one	one	NUM
ajbmeb-2881	63	2	of	of	ADP
ajbmeb-2881	63	3	the	the	DET
ajbmeb-2881	63	4	top	top	ADJ
ajbmeb-2881	63	5	priorities	priority	NOUN
ajbmeb-2881	63	6	for	for	ADP
ajbmeb-2881	63	7	banks	bank	NOUN
ajbmeb-2881	63	8	should	should	AUX
ajbmeb-2881	63	9	be	be	AUX
ajbmeb-2881	63	10	to	to	PART
ajbmeb-2881	63	11	expand	expand	VERB
ajbmeb-2881	63	12	the	the	DET
ajbmeb-2881	63	13	geographical	geographical	ADJ
ajbmeb-2881	63	14	and	and	CCONJ
ajbmeb-2881	63	15	digital	digital	ADJ
ajbmeb-2881	63	16	coverage	coverage	NOUN
ajbmeb-2881	63	17	of	of	ADP
ajbmeb-2881	63	18	services	service	NOUN
ajbmeb-2881	63	19	,	,	PUNCT
ajbmeb-2881	63	20	ensure	ensure	VERB
ajbmeb-2881	63	21	an	an	DET
ajbmeb-2881	63	22	individual	individual	ADJ
ajbmeb-2881	63	23	approach	approach	NOUN
ajbmeb-2881	63	24	to	to	ADP
ajbmeb-2881	63	25	customers	customer	NOUN
ajbmeb-2881	63	26	,	,	PUNCT
ajbmeb-2881	63	27	and	and	CCONJ
ajbmeb-2881	63	28	develop	develop	VERB
ajbmeb-2881	63	29	competitive	competitive	ADJ
ajbmeb-2881	63	30	1	1	NUM
ajbmeb-2881	63	31	compiled	compile	VERB
ajbmeb-2881	63	32	by	by	ADP
ajbmeb-2881	63	33	the	the	DET
ajbmeb-2881	63	34	author	author	NOUN
ajbmeb-2881	63	35	based	base	VERB
ajbmeb-2881	63	36	on	on	ADP
ajbmeb-2881	63	37	the	the	DET
ajbmeb-2881	63	38	data	datum	NOUN
ajbmeb-2881	63	39	of	of	ADP
ajbmeb-2881	63	40	the	the	DET
ajbmeb-2881	63	41	national	national	PROPN
ajbmeb-2881	63	42	bank	bank	PROPN
ajbmeb-2881	63	43	of	of	ADP
ajbmeb-2881	63	44	bukhara	bukhara	PROPN
ajbmeb-2881	63	45	region	region	PROPN
ajbmeb-2881	63	46	.	.	PUNCT
ajbmeb-2881	64	1	american	american	PROPN
ajbmeb-2881	64	2	journal	journal	PROPN
ajbmeb-2881	64	3	of	of	ADP
ajbmeb-2881	64	4	business	business	NOUN
ajbmeb-2881	64	5	management	management	NOUN
ajbmeb-2881	64	6	,	,	PUNCT
ajbmeb-2881	64	7	economics	economic	NOUN
ajbmeb-2881	64	8	and	and	CCONJ
ajbmeb-2881	64	9	banking	banking	NOUN
ajbmeb-2881	64	10	volume	volume	NOUN
ajbmeb-2881	64	11	35	35	NUM
ajbmeb-2881	64	12	april	april	PROPN
ajbmeb-2881	64	13	2025	2025	NUM
ajbmeb-2881	64	14	p	p	NOUN
ajbmeb-2881	64	15	a	a	DET
ajbmeb-2881	64	16	g	g	NOUN
ajbmeb-2881	64	17	e	e	NOUN
ajbmeb-2881	64	18	|	|	NOUN
ajbmeb-2881	64	19	125	125	NUM
ajbmeb-2881	64	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2881	64	21	retail	retail	ADJ
ajbmeb-2881	64	22	products	product	NOUN
ajbmeb-2881	64	23	.	.	PUNCT
ajbmeb-2881	65	1	conclusions	conclusion	NOUN
ajbmeb-2881	65	2	and	and	CCONJ
ajbmeb-2881	65	3	suggestions	suggestion	NOUN
ajbmeb-2881	65	4	based	base	VERB
ajbmeb-2881	65	5	on	on	ADP
ajbmeb-2881	65	6	the	the	DET
ajbmeb-2881	65	7	analysis	analysis	NOUN
ajbmeb-2881	65	8	and	and	CCONJ
ajbmeb-2881	65	9	scientific	scientific	ADJ
ajbmeb-2881	65	10	sources	source	NOUN
ajbmeb-2881	65	11	,	,	PUNCT
ajbmeb-2881	65	12	it	it	PRON
ajbmeb-2881	65	13	can	can	AUX
ajbmeb-2881	65	14	be	be	AUX
ajbmeb-2881	65	15	concluded	conclude	VERB
ajbmeb-2881	65	16	that	that	SCONJ
ajbmeb-2881	65	17	retail	retail	ADJ
ajbmeb-2881	65	18	services	service	NOUN
ajbmeb-2881	65	19	of	of	ADP
ajbmeb-2881	65	20	commercial	commercial	ADJ
ajbmeb-2881	65	21	banks	bank	NOUN
ajbmeb-2881	65	22	play	play	VERB
ajbmeb-2881	65	23	an	an	DET
ajbmeb-2881	65	24	important	important	ADJ
ajbmeb-2881	65	25	role	role	NOUN
ajbmeb-2881	65	26	not	not	PART
ajbmeb-2881	65	27	only	only	ADV
ajbmeb-2881	65	28	in	in	ADP
ajbmeb-2881	65	29	meeting	meet	VERB
ajbmeb-2881	65	30	the	the	DET
ajbmeb-2881	65	31	financial	financial	ADJ
ajbmeb-2881	65	32	needs	need	NOUN
ajbmeb-2881	65	33	of	of	ADP
ajbmeb-2881	65	34	the	the	DET
ajbmeb-2881	65	35	population	population	NOUN
ajbmeb-2881	65	36	,	,	PUNCT
ajbmeb-2881	65	37	but	but	CCONJ
ajbmeb-2881	65	38	also	also	ADV
ajbmeb-2881	65	39	in	in	ADP
ajbmeb-2881	65	40	forming	form	VERB
ajbmeb-2881	65	41	stable	stable	ADJ
ajbmeb-2881	65	42	sources	source	NOUN
ajbmeb-2881	65	43	of	of	ADP
ajbmeb-2881	65	44	income	income	NOUN
ajbmeb-2881	65	45	for	for	ADP
ajbmeb-2881	65	46	the	the	DET
ajbmeb-2881	65	47	bank	bank	NOUN
ajbmeb-2881	65	48	.	.	PUNCT
ajbmeb-2881	66	1	retail	retail	ADJ
ajbmeb-2881	66	2	services	service	NOUN
ajbmeb-2881	66	3	create	create	VERB
ajbmeb-2881	66	4	an	an	DET
ajbmeb-2881	66	5	opportunity	opportunity	NOUN
ajbmeb-2881	66	6	to	to	PART
ajbmeb-2881	66	7	get	get	VERB
ajbmeb-2881	66	8	closer	close	ADJ
ajbmeb-2881	66	9	to	to	ADP
ajbmeb-2881	66	10	customers	customer	NOUN
ajbmeb-2881	66	11	,	,	PUNCT
ajbmeb-2881	66	12	gain	gain	VERB
ajbmeb-2881	66	13	their	their	PRON
ajbmeb-2881	66	14	trust	trust	NOUN
ajbmeb-2881	66	15	,	,	PUNCT
ajbmeb-2881	66	16	offer	offer	VERB
ajbmeb-2881	66	17	competitive	competitive	ADJ
ajbmeb-2881	66	18	products	product	NOUN
ajbmeb-2881	66	19	and	and	CCONJ
ajbmeb-2881	66	20	ensure	ensure	VERB
ajbmeb-2881	66	21	financial	financial	ADJ
ajbmeb-2881	66	22	inclusion	inclusion	NOUN
ajbmeb-2881	66	23	.	.	PUNCT
ajbmeb-2881	67	1	the	the	DET
ajbmeb-2881	67	2	growth	growth	NOUN
ajbmeb-2881	67	3	trends	trend	NOUN
ajbmeb-2881	67	4	observed	observe	VERB
ajbmeb-2881	67	5	in	in	ADP
ajbmeb-2881	67	6	the	the	DET
ajbmeb-2881	67	7	field	field	NOUN
ajbmeb-2881	67	8	of	of	ADP
ajbmeb-2881	67	9	internet	internet	NOUN
ajbmeb-2881	67	10	banking	banking	NOUN
ajbmeb-2881	67	11	,	,	PUNCT
ajbmeb-2881	67	12	mobile	mobile	ADJ
ajbmeb-2881	67	13	applications	application	NOUN
ajbmeb-2881	67	14	,	,	PUNCT
ajbmeb-2881	67	15	plastic	plastic	NOUN
ajbmeb-2881	67	16	cards	card	NOUN
ajbmeb-2881	67	17	and	and	CCONJ
ajbmeb-2881	67	18	retail	retail	ADJ
ajbmeb-2881	67	19	loans	loan	NOUN
ajbmeb-2881	67	20	in	in	ADP
ajbmeb-2881	67	21	recent	recent	ADJ
ajbmeb-2881	67	22	years	year	NOUN
ajbmeb-2881	67	23	indicate	indicate	VERB
ajbmeb-2881	67	24	that	that	SCONJ
ajbmeb-2881	67	25	banks	bank	NOUN
ajbmeb-2881	67	26	are	be	AUX
ajbmeb-2881	67	27	successfully	successfully	ADV
ajbmeb-2881	67	28	adapting	adapt	VERB
ajbmeb-2881	67	29	to	to	ADP
ajbmeb-2881	67	30	digital	digital	ADJ
ajbmeb-2881	67	31	transformation	transformation	NOUN
ajbmeb-2881	67	32	.	.	PUNCT
ajbmeb-2881	68	1	at	at	ADP
ajbmeb-2881	68	2	the	the	DET
ajbmeb-2881	68	3	same	same	ADJ
ajbmeb-2881	68	4	time	time	NOUN
ajbmeb-2881	68	5	,	,	PUNCT
ajbmeb-2881	68	6	infrastructural	infrastructural	ADJ
ajbmeb-2881	68	7	shortcomings	shortcoming	NOUN
ajbmeb-2881	68	8	,	,	PUNCT
ajbmeb-2881	68	9	insufficient	insufficient	ADJ
ajbmeb-2881	68	10	financial	financial	ADJ
ajbmeb-2881	68	11	literacy	literacy	NOUN
ajbmeb-2881	68	12	and	and	CCONJ
ajbmeb-2881	68	13	distrust	distrust	NOUN
ajbmeb-2881	68	14	of	of	ADP
ajbmeb-2881	68	15	digital	digital	ADJ
ajbmeb-2881	68	16	services	service	NOUN
ajbmeb-2881	68	17	still	still	ADV
ajbmeb-2881	68	18	remain	remain	VERB
ajbmeb-2881	68	19	one	one	NUM
ajbmeb-2881	68	20	of	of	ADP
ajbmeb-2881	68	21	the	the	DET
ajbmeb-2881	68	22	obstacles	obstacle	NOUN
ajbmeb-2881	68	23	.	.	PUNCT
ajbmeb-2881	69	1	to	to	PART
ajbmeb-2881	69	2	address	address	VERB
ajbmeb-2881	69	3	the	the	DET
ajbmeb-2881	69	4	above	above	ADP
ajbmeb-2881	69	5	pressing	press	VERB
ajbmeb-2881	69	6	issues	issue	NOUN
ajbmeb-2881	69	7	,	,	PUNCT
ajbmeb-2881	69	8	we	we	PRON
ajbmeb-2881	69	9	have	have	AUX
ajbmeb-2881	69	10	developed	develop	VERB
ajbmeb-2881	69	11	the	the	DET
ajbmeb-2881	69	12	following	following	ADJ
ajbmeb-2881	69	13	proposals	proposal	NOUN
ajbmeb-2881	69	14	:	:	PUNCT
ajbmeb-2881	69	15	1	1	X
ajbmeb-2881	69	16	.	.	X
ajbmeb-2881	69	17	expansion	expansion	NOUN
ajbmeb-2881	69	18	of	of	ADP
ajbmeb-2881	69	19	promotional	promotional	ADJ
ajbmeb-2881	69	20	activities	activity	NOUN
ajbmeb-2881	69	21	aimed	aim	VERB
ajbmeb-2881	69	22	at	at	ADP
ajbmeb-2881	69	23	increasing	increase	VERB
ajbmeb-2881	69	24	financial	financial	ADJ
ajbmeb-2881	69	25	literacy	literacy	NOUN
ajbmeb-2881	69	26	:	:	PUNCT
ajbmeb-2881	69	27	comprehensive	comprehensive	ADJ
ajbmeb-2881	69	28	programs	program	NOUN
ajbmeb-2881	69	29	should	should	AUX
ajbmeb-2881	69	30	be	be	AUX
ajbmeb-2881	69	31	developed	develop	VERB
ajbmeb-2881	69	32	in	in	ADP
ajbmeb-2881	69	33	cooperation	cooperation	NOUN
ajbmeb-2881	69	34	with	with	ADP
ajbmeb-2881	69	35	banks	bank	NOUN
ajbmeb-2881	69	36	,	,	PUNCT
ajbmeb-2881	69	37	mass	mass	ADJ
ajbmeb-2881	69	38	media	medium	NOUN
ajbmeb-2881	69	39	and	and	CCONJ
ajbmeb-2881	69	40	educational	educational	ADJ
ajbmeb-2881	69	41	institutions	institution	NOUN
ajbmeb-2881	69	42	to	to	PART
ajbmeb-2881	69	43	improve	improve	VERB
ajbmeb-2881	69	44	financial	financial	ADJ
ajbmeb-2881	69	45	information	information	NOUN
ajbmeb-2881	69	46	and	and	CCONJ
ajbmeb-2881	69	47	skills	skill	NOUN
ajbmeb-2881	69	48	of	of	ADP
ajbmeb-2881	69	49	using	use	VERB
ajbmeb-2881	69	50	retail	retail	ADJ
ajbmeb-2881	69	51	banking	banking	NOUN
ajbmeb-2881	69	52	services	service	NOUN
ajbmeb-2881	69	53	among	among	ADP
ajbmeb-2881	69	54	different	different	ADJ
ajbmeb-2881	69	55	strata	strata	NOUN
ajbmeb-2881	69	56	of	of	ADP
ajbmeb-2881	69	57	the	the	DET
ajbmeb-2881	69	58	population	population	NOUN
ajbmeb-2881	69	59	.	.	PUNCT
ajbmeb-2881	70	1	2	2	X
ajbmeb-2881	70	2	.	.	X
ajbmeb-2881	70	3	diversification	diversification	NOUN
ajbmeb-2881	70	4	of	of	ADP
ajbmeb-2881	70	5	the	the	DET
ajbmeb-2881	70	6	portfolio	portfolio	NOUN
ajbmeb-2881	70	7	of	of	ADP
ajbmeb-2881	70	8	retail	retail	ADJ
ajbmeb-2881	70	9	services	service	NOUN
ajbmeb-2881	70	10	:	:	PUNCT
ajbmeb-2881	70	11	commercial	commercial	ADJ
ajbmeb-2881	70	12	banks	bank	NOUN
ajbmeb-2881	70	13	need	need	VERB
ajbmeb-2881	70	14	to	to	PART
ajbmeb-2881	70	15	segment	segment	VERB
ajbmeb-2881	70	16	their	their	PRON
ajbmeb-2881	70	17	products	product	NOUN
ajbmeb-2881	70	18	and	and	CCONJ
ajbmeb-2881	70	19	develop	develop	VERB
ajbmeb-2881	70	20	specially	specially	ADV
ajbmeb-2881	70	21	designed	design	VERB
ajbmeb-2881	70	22	services	service	NOUN
ajbmeb-2881	70	23	for	for	ADP
ajbmeb-2881	70	24	different	different	ADJ
ajbmeb-2881	70	25	customer	customer	NOUN
ajbmeb-2881	70	26	groups	group	NOUN
ajbmeb-2881	70	27	,	,	PUNCT
ajbmeb-2881	70	28	such	such	ADJ
ajbmeb-2881	70	29	as	as	ADP
ajbmeb-2881	70	30	young	young	ADJ
ajbmeb-2881	70	31	people	people	NOUN
ajbmeb-2881	70	32	,	,	PUNCT
ajbmeb-2881	70	33	pensioners	pensioner	NOUN
ajbmeb-2881	70	34	,	,	PUNCT
ajbmeb-2881	70	35	entrepreneurs	entrepreneur	NOUN
ajbmeb-2881	70	36	,	,	PUNCT
ajbmeb-2881	70	37	students	student	NOUN
ajbmeb-2881	70	38	.	.	PUNCT
ajbmeb-2881	71	1	3	3	X
ajbmeb-2881	71	2	.	.	X
ajbmeb-2881	71	3	strengthening	strengthen	VERB
ajbmeb-2881	71	4	technical	technical	ADJ
ajbmeb-2881	71	5	and	and	CCONJ
ajbmeb-2881	71	6	information	information	NOUN
ajbmeb-2881	71	7	security	security	NOUN
ajbmeb-2881	71	8	of	of	ADP
ajbmeb-2881	71	9	digital	digital	ADJ
ajbmeb-2881	71	10	services	service	NOUN
ajbmeb-2881	71	11	:	:	PUNCT
ajbmeb-2881	71	12	in	in	ADP
ajbmeb-2881	71	13	order	order	NOUN
ajbmeb-2881	71	14	to	to	PART
ajbmeb-2881	71	15	increase	increase	VERB
ajbmeb-2881	71	16	trust	trust	NOUN
ajbmeb-2881	71	17	in	in	ADP
ajbmeb-2881	71	18	internet	internet	NOUN
ajbmeb-2881	71	19	and	and	CCONJ
ajbmeb-2881	71	20	mobile	mobile	ADJ
ajbmeb-2881	71	21	banking	banking	NOUN
ajbmeb-2881	71	22	,	,	PUNCT
ajbmeb-2881	71	23	banks	bank	NOUN
ajbmeb-2881	71	24	should	should	AUX
ajbmeb-2881	71	25	strengthen	strengthen	VERB
ajbmeb-2881	71	26	cyber	cyber	ADJ
ajbmeb-2881	71	27	security	security	NOUN
ajbmeb-2881	71	28	measures	measure	NOUN
ajbmeb-2881	71	29	,	,	PUNCT
ajbmeb-2881	71	30	introduce	introduce	VERB
ajbmeb-2881	71	31	two	two	NUM
ajbmeb-2881	71	32	-	-	PUNCT
ajbmeb-2881	71	33	step	step	NOUN
ajbmeb-2881	71	34	authentication	authentication	NOUN
ajbmeb-2881	71	35	,	,	PUNCT
ajbmeb-2881	71	36	biometric	biometric	ADJ
ajbmeb-2881	71	37	identification	identification	NOUN
ajbmeb-2881	71	38	and	and	CCONJ
ajbmeb-2881	71	39	personal	personal	ADJ
ajbmeb-2881	71	40	data	datum	NOUN
ajbmeb-2881	71	41	protection	protection	NOUN
ajbmeb-2881	71	42	systems	system	NOUN
ajbmeb-2881	71	43	.	.	PUNCT
ajbmeb-2881	72	1	4	4	X
ajbmeb-2881	72	2	.	.	X
ajbmeb-2881	72	3	development	development	NOUN
ajbmeb-2881	72	4	of	of	ADP
ajbmeb-2881	72	5	banking	banking	NOUN
ajbmeb-2881	72	6	infrastructure	infrastructure	NOUN
ajbmeb-2881	72	7	in	in	ADP
ajbmeb-2881	72	8	rural	rural	ADJ
ajbmeb-2881	72	9	areas	area	NOUN
ajbmeb-2881	72	10	:	:	PUNCT
ajbmeb-2881	72	11	to	to	PART
ajbmeb-2881	72	12	expand	expand	VERB
ajbmeb-2881	72	13	the	the	DET
ajbmeb-2881	72	14	geographical	geographical	ADJ
ajbmeb-2881	72	15	coverage	coverage	NOUN
ajbmeb-2881	72	16	of	of	ADP
ajbmeb-2881	72	17	retail	retail	ADJ
ajbmeb-2881	72	18	services	service	NOUN
ajbmeb-2881	72	19	,	,	PUNCT
ajbmeb-2881	72	20	it	it	PRON
ajbmeb-2881	72	21	is	be	AUX
ajbmeb-2881	72	22	necessary	necessary	ADJ
ajbmeb-2881	72	23	to	to	PART
ajbmeb-2881	72	24	expand	expand	VERB
ajbmeb-2881	72	25	the	the	DET
ajbmeb-2881	72	26	population	population	NOUN
ajbmeb-2881	72	27	's	's	PART
ajbmeb-2881	72	28	access	access	NOUN
ajbmeb-2881	72	29	to	to	ADP
ajbmeb-2881	72	30	banking	banking	NOUN
ajbmeb-2881	72	31	services	service	NOUN
ajbmeb-2881	72	32	by	by	ADP
ajbmeb-2881	72	33	establishing	establish	VERB
ajbmeb-2881	72	34	branches	branch	NOUN
ajbmeb-2881	72	35	,	,	PUNCT
ajbmeb-2881	72	36	mobile	mobile	ADJ
ajbmeb-2881	72	37	banking	banking	NOUN
ajbmeb-2881	72	38	offices	office	NOUN
ajbmeb-2881	72	39	,	,	PUNCT
ajbmeb-2881	72	40	and	and	CCONJ
ajbmeb-2881	72	41	info	info	NOUN
ajbmeb-2881	72	42	kiosks	kiosk	NOUN
ajbmeb-2881	72	43	in	in	ADP
ajbmeb-2881	72	44	remote	remote	ADJ
ajbmeb-2881	72	45	areas	area	NOUN
ajbmeb-2881	72	46	.	.	PUNCT
ajbmeb-2881	73	1	references	reference	NOUN
ajbmeb-2881	73	2	:	:	PUNCT
ajbmeb-2881	73	3	1	1	X
ajbmeb-2881	73	4	.	.	X
ajbmeb-2881	73	5	goyal	goyal	PROPN
ajbmeb-2881	73	6	,	,	PUNCT
ajbmeb-2881	73	7	k.a	k.a	PROPN
ajbmeb-2881	73	8	.	.	PROPN
ajbmeb-2881	73	9	,	,	PUNCT
ajbmeb-2881	73	10	&	&	CCONJ
ajbmeb-2881	73	11	joshi	joshi	PROPN
ajbmeb-2881	73	12	,	,	PUNCT
ajbmeb-2881	73	13	v.	v.	PROPN
ajbmeb-2881	73	14	(	(	PUNCT
ajbmeb-2881	73	15	2012	2012	NUM
ajbmeb-2881	73	16	)	)	PUNCT
ajbmeb-2881	73	17	.	.	PUNCT
ajbmeb-2881	74	1	a	a	DET
ajbmeb-2881	74	2	study	study	NOUN
ajbmeb-2881	74	3	of	of	ADP
ajbmeb-2881	74	4	social	social	ADJ
ajbmeb-2881	74	5	and	and	CCONJ
ajbmeb-2881	74	6	ethical	ethical	ADJ
ajbmeb-2881	74	7	issues	issue	NOUN
ajbmeb-2881	74	8	in	in	ADP
ajbmeb-2881	74	9	banking	banking	NOUN
ajbmeb-2881	74	10	industry	industry	NOUN
ajbmeb-2881	74	11	.	.	PUNCT
ajbmeb-2881	75	1	international	international	ADJ
ajbmeb-2881	75	2	journal	journal	PROPN
ajbmeb-2881	75	3	of	of	ADP
ajbmeb-2881	75	4	economics	economic	NOUN
ajbmeb-2881	75	5	and	and	CCONJ
ajbmeb-2881	75	6	research	research	NOUN
ajbmeb-2881	75	7	,	,	PUNCT
ajbmeb-2881	75	8	3(2	3(2	NUM
ajbmeb-2881	75	9	)	)	PUNCT
ajbmeb-2881	75	10	,	,	PUNCT
ajbmeb-2881	75	11	49–57	49–57	NUM
ajbmeb-2881	75	12	.	.	PUNCT
ajbmeb-2881	76	1	www.ijeronline.com	www.ijeronline.com	X
ajbmeb-2881	76	2	2	2	NUM
ajbmeb-2881	76	3	.	.	PUNCT
ajbmeb-2881	77	1	батоврин	батоврин	VERB
ajbmeb-2881	77	2	,	,	PUNCT
ajbmeb-2881	77	3	а.в	а.в	PROPN
ajbmeb-2881	77	4	.	.	PUNCT
ajbmeb-2881	78	1	(	(	PUNCT
ajbmeb-2881	78	2	2010	2010	NUM
ajbmeb-2881	78	3	)	)	PUNCT
ajbmeb-2881	78	4	.	.	PUNCT
ajbmeb-2881	79	1	частный	частный	NOUN
ajbmeb-2881	79	2	банкинг	банкинг	PROPN
ajbmeb-2881	79	3	и	и	PROPN
ajbmeb-2881	79	4	управление	управление	PROPN
ajbmeb-2881	79	5	благосостоянием	благосостоянием	ADJ
ajbmeb-2881	79	6	клиентов	клиентов	NOUN
ajbmeb-2881	79	7	.	.	PUNCT
ajbmeb-2881	80	1	москва	москва	NOUN
ajbmeb-2881	80	2	:	:	PUNCT
ajbmeb-2881	80	3	дело	дело	ADJ
ajbmeb-2881	80	4	.	.	PUNCT
ajbmeb-2881	81	1	3	3	X
ajbmeb-2881	81	2	.	.	X
ajbmeb-2881	81	3	sharipov	sharipov	PROPN
ajbmeb-2881	81	4	,	,	PUNCT
ajbmeb-2881	81	5	f.s	f.s	PROPN
ajbmeb-2881	81	6	.	.	PROPN
ajbmeb-2881	81	7	(	(	PUNCT
ajbmeb-2881	81	8	2021	2021	NUM
ajbmeb-2881	81	9	)	)	PUNCT
ajbmeb-2881	81	10	.	.	PUNCT
ajbmeb-2881	82	1	priority	priority	NOUN
ajbmeb-2881	82	2	areas	area	NOUN
ajbmeb-2881	82	3	for	for	ADP
ajbmeb-2881	82	4	the	the	DET
ajbmeb-2881	82	5	development	development	NOUN
ajbmeb-2881	82	6	of	of	ADP
ajbmeb-2881	82	7	retail	retail	ADJ
ajbmeb-2881	82	8	banking	banking	NOUN
ajbmeb-2881	82	9	services	service	NOUN
ajbmeb-2881	82	10	in	in	ADP
ajbmeb-2881	82	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2881	82	12	.	.	PUNCT
ajbmeb-2881	83	1	finance	finance	NOUN
ajbmeb-2881	83	2	and	and	CCONJ
ajbmeb-2881	83	3	banking	banking	NOUN
ajbmeb-2881	83	4	,	,	PUNCT
ajbmeb-2881	83	5	no	no	INTJ
ajbmeb-2881	83	6	.	.	NOUN
ajbmeb-2881	83	7	1	1	NUM
ajbmeb-2881	83	8	,	,	PUNCT
ajbmeb-2881	83	9	45–52	45–52	NUM
ajbmeb-2881	83	10	.	.	PUNCT
ajbmeb-2881	83	11	www.journal.finbank.uz	www.journal.finbank.uz	PUNCT
ajbmeb-2881	84	1	4	4	NUM
ajbmeb-2881	84	2	.	.	X
ajbmeb-2881	84	3	rozikov	rozikov	NOUN
ajbmeb-2881	84	4	,	,	PUNCT
ajbmeb-2881	84	5	m.	m.	NOUN
ajbmeb-2881	84	6	,	,	PUNCT
ajbmeb-2881	84	7	&	&	CCONJ
ajbmeb-2881	84	8	ergashev	ergashev	PROPN
ajbmeb-2881	84	9	,	,	PUNCT
ajbmeb-2881	84	10	b.	b.	PROPN
ajbmeb-2881	84	11	(	(	PUNCT
ajbmeb-2881	84	12	2020	2020	NUM
ajbmeb-2881	84	13	)	)	PUNCT
ajbmeb-2881	84	14	.	.	PUNCT
ajbmeb-2881	85	1	ways	way	NOUN
ajbmeb-2881	85	2	to	to	PART
ajbmeb-2881	85	3	improve	improve	VERB
ajbmeb-2881	85	4	the	the	DET
ajbmeb-2881	85	5	efficiency	efficiency	NOUN
ajbmeb-2881	85	6	of	of	ADP
ajbmeb-2881	85	7	retail	retail	ADJ
ajbmeb-2881	85	8	services	service	NOUN
ajbmeb-2881	85	9	in	in	ADP
ajbmeb-2881	85	10	commercial	commercial	ADJ
ajbmeb-2881	85	11	banks	bank	NOUN
ajbmeb-2881	85	12	.	.	PUNCT
ajbmeb-2881	86	1	economics	economic	NOUN
ajbmeb-2881	86	2	and	and	CCONJ
ajbmeb-2881	86	3	innovative	innovative	ADJ
ajbmeb-2881	86	4	technologies	technology	NOUN
ajbmeb-2881	86	5	,	,	PUNCT
ajbmeb-2881	86	6	no	no	INTJ
ajbmeb-2881	86	7	.	.	NOUN
ajbmeb-2881	86	8	4	4	NUM
ajbmeb-2881	86	9	,	,	PUNCT
ajbmeb-2881	86	10	76–84	76–84	NOUN
ajbmeb-2881	86	11	.	.	PUNCT
ajbmeb-2881	87	1	www.iqtisodiyot.uz	www.iqtisodiyot.uz	VERB
ajbmeb-2881	87	2	5	5	NUM
ajbmeb-2881	87	3	.	.	PUNCT
ajbmeb-2881	87	4	molyneux	molyneux	PROPN
ajbmeb-2881	87	5	,	,	PUNCT
ajbmeb-2881	87	6	p.	p.	PROPN
ajbmeb-2881	87	7	,	,	PUNCT
ajbmeb-2881	87	8	&	&	CCONJ
ajbmeb-2881	87	9	wilson	wilson	PROPN
ajbmeb-2881	87	10	,	,	PUNCT
ajbmeb-2881	87	11	j.o.s	j.o.s	PROPN
ajbmeb-2881	87	12	.	.	PUNCT
ajbmeb-2881	87	13	(	(	PUNCT
ajbmeb-2881	87	14	2007	2007	NUM
ajbmeb-2881	87	15	)	)	PUNCT
ajbmeb-2881	87	16	.	.	PUNCT
ajbmeb-2881	88	1	retail	retail	ADJ
ajbmeb-2881	88	2	banking	banking	NOUN
ajbmeb-2881	88	3	.	.	PUNCT
ajbmeb-2881	89	1	cheltenham	cheltenham	PROPN
ajbmeb-2881	89	2	,	,	PUNCT
ajbmeb-2881	89	3	uk	uk	PROPN
ajbmeb-2881	89	4	:	:	PUNCT
ajbmeb-2881	89	5	edward	edward	PROPN
ajbmeb-2881	89	6	elgar	elgar	PROPN
ajbmeb-2881	89	7	publishing	publishing	PROPN
ajbmeb-2881	89	8	.	.	PUNCT
ajbmeb-2881	90	1	www.e-elgar.com	www.e-elgar.com	X
ajbmeb-2881	91	1	6	6	NUM
ajbmeb-2881	91	2	.	.	PUNCT
ajbmeb-2881	91	3	central	central	ADJ
ajbmeb-2881	91	4	bank	bank	PROPN
ajbmeb-2881	91	5	of	of	ADP
ajbmeb-2881	91	6	uzbekistan	uzbekistan	PROPN
ajbmeb-2881	91	7	.	.	PUNCT
ajbmeb-2881	92	1	(	(	PUNCT
ajbmeb-2881	92	2	2024	2024	NUM
ajbmeb-2881	92	3	)	)	PUNCT
ajbmeb-2881	92	4	.	.	PUNCT
ajbmeb-2881	93	1	annual	annual	ADJ
ajbmeb-2881	93	2	statistical	statistical	ADJ
ajbmeb-2881	93	3	bulletin	bulletin	NOUN
ajbmeb-2881	93	4	.	.	PUNCT
ajbmeb-2881	94	1	tashkent	tashkent	PROPN
ajbmeb-2881	94	2	.	.	PUNCT
ajbmeb-2881	95	1	retrieved	retrieve	VERB
ajbmeb-2881	95	2	from	from	ADP
ajbmeb-2881	95	3	:	:	PUNCT
ajbmeb-2881	95	4	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2881	95	5	7	7	NUM
ajbmeb-2881	95	6	.	.	PUNCT
ajbmeb-2881	95	7	international	international	ADJ
ajbmeb-2881	95	8	finance	finance	NOUN
ajbmeb-2881	95	9	corporation	corporation	NOUN
ajbmeb-2881	95	10	(	(	PUNCT
ajbmeb-2881	95	11	ifc	ifc	NOUN
ajbmeb-2881	95	12	)	)	PUNCT
ajbmeb-2881	95	13	.	.	PUNCT
ajbmeb-2881	96	1	(	(	PUNCT
ajbmeb-2881	96	2	2022	2022	NUM
ajbmeb-2881	96	3	)	)	PUNCT
ajbmeb-2881	96	4	.	.	PUNCT
ajbmeb-2881	97	1	digital	digital	ADJ
ajbmeb-2881	97	2	financial	financial	ADJ
ajbmeb-2881	97	3	services	service	NOUN
ajbmeb-2881	97	4	:	:	PUNCT
ajbmeb-2881	97	5	challenges	challenge	NOUN
ajbmeb-2881	97	6	and	and	CCONJ
ajbmeb-2881	97	7	opportunities	opportunity	NOUN
ajbmeb-2881	97	8	in	in	ADP
ajbmeb-2881	97	9	emerging	emerge	VERB
ajbmeb-2881	97	10	markets	market	NOUN
ajbmeb-2881	97	11	.	.	PUNCT
ajbmeb-2881	98	1	washington	washington	PROPN
ajbmeb-2881	98	2	,	,	PUNCT
ajbmeb-2881	98	3	d.c	d.c	PROPN
ajbmeb-2881	98	4	.	.	PROPN
ajbmeb-2881	98	5	retrieved	retrieve	VERB
ajbmeb-2881	98	6	from	from	ADP
ajbmeb-2881	98	7	:	:	PUNCT
ajbmeb-2881	98	8	www.ifc.org	www.ifc.org	ADJ
ajbmeb-2881	98	9	8	8	NUM
ajbmeb-2881	98	10	.	.	PUNCT
ajbmeb-2881	99	1	иода	иода	PROPN
ajbmeb-2881	99	2	е.в	е.в	PROPN
ajbmeb-2881	99	3	.	.	PUNCT
ajbmeb-2881	100	1	классификация	классификация	PROPN
ajbmeb-2881	100	2	банковских	банковских	NOUN
ajbmeb-2881	100	3	рисков	рисков	NOUN
ajbmeb-2881	100	4	и	и	PROPN
ajbmeb-2881	100	5	их	их	PROPN
ajbmeb-2881	100	6	оптимизация	оптимизация	NOUN
ajbmeb-2881	100	7	/	/	SYM
ajbmeb-2881	100	8	е.в	е.в	PROPN
ajbmeb-2881	100	9	.	.	PUNCT
ajbmeb-2881	100	10	иода	иода	PROPN
ajbmeb-2881	100	11	,	,	PUNCT
ajbmeb-2881	100	12	л.л	л.л	PROPN
ajbmeb-2881	100	13	.	.	PROPN
ajbmeb-2881	101	1	мешкова	мешкова	PROPN
ajbmeb-2881	101	2	,	,	PUNCT
ajbmeb-2881	101	3	е.н	е.н	PROPN
ajbmeb-2881	101	4	.	.	NOUN
ajbmeb-2881	101	5	болотина	болотина	PROPN
ajbmeb-2881	101	6	.	.	PUNCT
ajbmeb-2881	102	1	под	под	VERB
ajbmeb-2881	102	2	общ	общ	PROPN
ajbmeb-2881	102	3	.	.	PROPN
ajbmeb-2881	103	1	ред	ред	PROPN
ajbmeb-2881	103	2	.	.	PUNCT
ajbmeb-2881	104	1	проф	проф	PROPN
ajbmeb-2881	104	2	.	.	PUNCT
ajbmeb-2881	105	1	е.в	е.в	PROPN
ajbmeb-2881	105	2	.	.	PUNCT
ajbmeb-2881	105	3	иода	иода	PROPN
ajbmeb-2881	105	4	.	.	PUNCT
ajbmeb-2881	106	1	2	2	NUM
ajbmeb-2881	106	2	-	-	PUNCT
ajbmeb-2881	106	3	е	е	PRON
ajbmeb-2881	106	4	изд	изд	NOUN
ajbmeb-2881	106	5	.	.	PROPN
ajbmeb-2881	106	6	,	,	PUNCT
ajbmeb-2881	106	7	испр	испр	NOUN
ajbmeb-2881	106	8	.	.	PUNCT
ajbmeb-2881	106	9	,	,	PUNCT
ajbmeb-2881	106	10	перераб	перераб	PROPN
ajbmeb-2881	106	11	.	.	PUNCT
ajbmeb-2881	106	12	–	–	PUNCT
ajbmeb-2881	106	13	тамбов	тамбов	NOUN
ajbmeb-2881	106	14	:	:	PUNCT
ajbmeb-2881	106	15	изд	изд	NOUN
ajbmeb-2881	106	16	-	-	PUNCT
ajbmeb-2881	106	17	во	во	NOUN
ajbmeb-2881	106	18	тамб	тамб	PROPN
ajbmeb-2881	106	19	.	.	PUNCT
ajbmeb-2881	107	1	гос	гос	PROPN
ajbmeb-2881	107	2	.	.	PUNCT
ajbmeb-2881	108	1	техн	техн	PROPN
ajbmeb-2881	108	2	.	.	PUNCT
ajbmeb-2881	109	1	ун	ун	PROPN
ajbmeb-2881	109	2	-	-	PUNCT
ajbmeb-2881	109	3	та	та	NOUN
ajbmeb-2881	109	4	,	,	PUNCT
ajbmeb-2881	109	5	2002	2002	NUM
ajbmeb-2881	109	6	.	.	PUNCT
ajbmeb-2881	110	1	120	120	NUM
ajbmeb-2881	110	2	с	с	PROPN
ajbmeb-2881	110	3	.	.	PROPN
ajbmeb-2881	110	4	http://www.ijeronline.com/	http://www.ijeronline.com/	PROPN
ajbmeb-2881	110	5	http://www.journal.finbank.uz/	http://www.journal.finbank.uz/	PROPN
ajbmeb-2881	110	6	http://www.iqtisodiyot.uz/	http://www.iqtisodiyot.uz/	PROPN
ajbmeb-2881	110	7	http://www.e-elgar.com/	http://www.e-elgar.com/	PROPN
ajbmeb-2881	110	8	http://www.cbu.uz/	http://www.cbu.uz/	ADP
ajbmeb-2881	110	9	http://www.ifc.org/	http://www.ifc.org/	PROPN
ajbmeb-2881	110	10	american	american	ADJ
ajbmeb-2881	110	11	journal	journal	PROPN
ajbmeb-2881	110	12	of	of	ADP
ajbmeb-2881	110	13	business	business	NOUN
ajbmeb-2881	110	14	management	management	NOUN
ajbmeb-2881	110	15	,	,	PUNCT
ajbmeb-2881	110	16	economics	economic	NOUN
ajbmeb-2881	110	17	and	and	CCONJ
ajbmeb-2881	110	18	banking	banking	NOUN
ajbmeb-2881	110	19	volume	volume	NOUN
ajbmeb-2881	110	20	35	35	NUM
ajbmeb-2881	110	21	april	april	PROPN
ajbmeb-2881	110	22	2025	2025	NUM
ajbmeb-2881	110	23	p	p	NOUN
ajbmeb-2881	110	24	a	a	DET
ajbmeb-2881	110	25	g	g	NOUN
ajbmeb-2881	110	26	e	e	NOUN
ajbmeb-2881	110	27	|	|	ADV
ajbmeb-2881	110	28	126	126	NUM
ajbmeb-2881	110	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2881	110	30	9	9	NUM
ajbmeb-2881	110	31	.	.	PUNCT
ajbmeb-2881	111	1	рыхтикова	рыхтикова	NOUN
ajbmeb-2881	111	2	н	н	PROPN
ajbmeb-2881	111	3	.	.	PUNCT
ajbmeb-2881	111	4	а	а	PROPN
ajbmeb-2881	111	5	.	.	PUNCT
ajbmeb-2881	112	1	анализ	анализ	PROPN
ajbmeb-2881	112	2	и	и	PROPN
ajbmeb-2881	112	3	управление	управление	PROPN
ajbmeb-2881	112	4	рисками	рисками	PROPN
ajbmeb-2881	112	5	организации	организации	VERB
ajbmeb-2881	112	6	.	.	PROPN
ajbmeb-2881	112	7	2	2	NUM
ajbmeb-2881	112	8	изд	изд	NOUN
ajbmeb-2881	112	9	.	.	PROPN
ajbmeb-2881	113	1	м	м	X
ajbmeb-2881	113	2	.	.	PUNCT
ajbmeb-2881	113	3	:	:	PUNCT
ajbmeb-2881	114	1	форум	форум	PROPN
ajbmeb-2881	114	2	,	,	PUNCT
ajbmeb-2881	114	3	2010	2010	NUM
ajbmeb-2881	114	4	.	.	PUNCT
ajbmeb-2881	115	1	240	240	NUM
ajbmeb-2881	115	2	с	с	NOUN
ajbmeb-2881	115	3	.	.	PROPN
ajbmeb-2881	115	4	10	10	NUM
ajbmeb-2881	115	5	.	.	PUNCT
ajbmeb-2881	116	1	поморина	поморина	PROPN
ajbmeb-2881	116	2	м.а	м.а	PROPN
ajbmeb-2881	116	3	.	.	PROPN
ajbmeb-2881	116	4	управление	управление	PROPN
ajbmeb-2881	116	5	рисками	рисками	PROPN
ajbmeb-2881	116	6	как	как	VERB
ajbmeb-2881	116	7	составная	составная	PROPN
ajbmeb-2881	116	8	часть	часть	NOUN
ajbmeb-2881	116	9	управления	управления	NOUN
ajbmeb-2881	116	10	активами	активами	PROPN
ajbmeb-2881	116	11	и	и	PROPN
ajbmeb-2881	116	12	пассивами	пассивами	PROPN
ajbmeb-2881	116	13	банка	банка	PROPN
ajbmeb-2881	116	14	//	//	PUNCT
ajbmeb-2881	117	1	банковское	банковское	X
ajbmeb-2881	117	2	дело	дело	PROPN
ajbmeb-2881	117	3	.	.	PUNCT
ajbmeb-2881	118	1	1998	1998	NUM
ajbmeb-2881	118	2	.	.	PUNCT
ajbmeb-2881	119	1	№	№	ADP
ajbmeb-2881	119	2	3	3	NUM
ajbmeb-2881	119	3	.	.	PUNCT
ajbmeb-2881	120	1	с	с	PROPN
ajbmeb-2881	120	2	.	.	PROPN
ajbmeb-2881	120	3	1217	1217	NUM
ajbmeb-2881	120	4	.	.	PUNCT
ajbmeb-2881	121	1	11	11	NUM
ajbmeb-2881	121	2	.	.	PUNCT
ajbmeb-2881	122	1	классификация	классификация	NOUN
ajbmeb-2881	122	2	банковских	банковских	NOUN
ajbmeb-2881	122	3	рисков	рисков	NOUN
ajbmeb-2881	122	4	и	и	PROPN
ajbmeb-2881	122	5	их	их	PROPN
ajbmeb-2881	122	6	оптимизация	оптимизация	NOUN
ajbmeb-2881	122	7	/	/	SYM
ajbmeb-2881	122	8	под	под	VERB
ajbmeb-2881	122	9	общ	общ	PROPN
ajbmeb-2881	122	10	.	.	PROPN
ajbmeb-2881	123	1	ред	ред	PROPN
ajbmeb-2881	123	2	.	.	PUNCT
ajbmeb-2881	124	1	проф	проф	PROPN
ajbmeb-2881	124	2	.	.	PUNCT
ajbmeb-2881	125	1	е	е	X
ajbmeb-2881	125	2	.	.	PUNCT
ajbmeb-2881	126	1	в	в	PROPN
ajbmeb-2881	126	2	.	.	PUNCT
ajbmeb-2881	126	3	иода	иода	PROPN
ajbmeb-2881	126	4	.	.	PUNCT
ajbmeb-2881	127	1	2	2	NUM
ajbmeb-2881	127	2	-	-	PUNCT
ajbmeb-2881	127	3	е	е	PRON
ajbmeb-2881	127	4	изд	изд	NOUN
ajbmeb-2881	127	5	.	.	PROPN
ajbmeb-2881	127	6	,	,	PUNCT
ajbmeb-2881	127	7	испр	испр	NOUN
ajbmeb-2881	127	8	.	.	PUNCT
ajbmeb-2881	127	9	,	,	PUNCT
ajbmeb-2881	127	10	перераб	перераб	PROPN
ajbmeb-2881	127	11	.	.	PUNCT
ajbmeb-2881	128	1	тамбов	тамбов	PROPN
ajbmeb-2881	128	2	:	:	PUNCT
ajbmeb-2881	128	3	изд	изд	PROPN
ajbmeb-2881	128	4	-	-	PUNCT
ajbmeb-2881	128	5	во	во	NOUN
ajbmeb-2881	128	6	тамб	тамб	PROPN
ajbmeb-2881	128	7	.	.	PUNCT
ajbmeb-2881	129	1	гос	гос	PROPN
ajbmeb-2881	129	2	.	.	PUNCT
ajbmeb-2881	130	1	техн	техн	PROPN
ajbmeb-2881	130	2	.	.	PUNCT
ajbmeb-2881	131	1	ун	ун	PROPN
ajbmeb-2881	131	2	-	-	PUNCT
ajbmeb-2881	131	3	та	та	NOUN
ajbmeb-2881	131	4	,	,	PUNCT
ajbmeb-2881	131	5	2002	2002	NUM
ajbmeb-2881	131	6	.	.	PUNCT
ajbmeb-2881	132	1	12	12	NUM
ajbmeb-2881	132	2	.	.	PUNCT
ajbmeb-2881	133	1	лобанова	лобанова	VERB
ajbmeb-2881	133	2	а.а	а.а	PROPN
ajbmeb-2881	133	3	.	.	PROPN
ajbmeb-2881	133	4	,	,	PUNCT
ajbmeb-2881	133	5	чугунов	чугунов	PROPN
ajbmeb-2881	134	1	а.в	а.в	PROPN
ajbmeb-2881	134	2	.	.	PROPN
ajbmeb-2881	134	3	энциклопедия	энциклопедия	PROPN
ajbmeb-2881	134	4	финансового	финансового	NOUN
ajbmeb-2881	134	5	риск	риск	NOUN
ajbmeb-2881	134	6	-	-	PUNCT
ajbmeb-2881	134	7	менеджмента	менеджмента	NOUN
ajbmeb-2881	134	8	.	.	PUNCT
ajbmeb-2881	135	1	–	–	PUNCT
ajbmeb-2881	135	2	м	м	X
ajbmeb-2881	135	3	.	.	PUNCT
ajbmeb-2881	135	4	:	:	PUNCT
ajbmeb-2881	135	5	“	"	PUNCT
ajbmeb-2881	135	6	юрайт	юрайт	NOUN
ajbmeb-2881	135	7	”	"	PUNCT
ajbmeb-2881	135	8	,	,	PUNCT
ajbmeb-2881	135	9	2006	2006	NUM
ajbmeb-2881	135	10	.	.	PUNCT