id	sid	tid	token	lemma	pos
ajbmeb-2891	1	1	american	american	PROPN
ajbmeb-2891	1	2	journal	journal	PROPN
ajbmeb-2891	1	3	of	of	ADP
ajbmeb-2891	1	4	business	business	NOUN
ajbmeb-2891	1	5	management	management	NOUN
ajbmeb-2891	1	6	,	,	PUNCT
ajbmeb-2891	1	7	economics	economic	NOUN
ajbmeb-2891	1	8	and	and	CCONJ
ajbmeb-2891	1	9	banking	banking	NOUN
ajbmeb-2891	1	10	issn	issn	PROPN
ajbmeb-2891	1	11	(	(	PUNCT
ajbmeb-2891	1	12	e	e	NOUN
ajbmeb-2891	1	13	):	):	PUNCT
ajbmeb-2891	1	14	2832	2832	NUM
ajbmeb-2891	1	15	-	-	SYM
ajbmeb-2891	1	16	8078	8078	NUM
ajbmeb-2891	1	17	volume	volume	NOUN
ajbmeb-2891	1	18	35	35	NUM
ajbmeb-2891	1	19	,	,	PUNCT
ajbmeb-2891	1	20	april	april	PROPN
ajbmeb-2891	1	21	2025	2025	NUM
ajbmeb-2891	1	22	p	p	NOUN
ajbmeb-2891	1	23	a	a	DET
ajbmeb-2891	1	24	g	g	NOUN
ajbmeb-2891	1	25	e	e	NOUN
ajbmeb-2891	1	26	|	|	NOUN
ajbmeb-2891	1	27	135	135	NUM
ajbmeb-2891	1	28	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2891	1	29	economic	economic	ADJ
ajbmeb-2891	1	30	and	and	CCONJ
ajbmeb-2891	1	31	practical	practical	ADJ
ajbmeb-2891	1	32	aspects	aspect	NOUN
ajbmeb-2891	1	33	of	of	ADP
ajbmeb-2891	1	34	the	the	DET
ajbmeb-2891	1	35	retail	retail	ADJ
ajbmeb-2891	1	36	payment	payment	NOUN
ajbmeb-2891	1	37	system	system	NOUN
ajbmeb-2891	1	38	of	of	ADP
ajbmeb-2891	1	39	commercial	commercial	ADJ
ajbmeb-2891	1	40	banks	bank	NOUN
ajbmeb-2891	1	41	nomozov	nomozov	VERB
ajbmeb-2891	1	42	rovshan	rovshan	PROPN
ajbmeb-2891	1	43	ergashkulovich	ergashkulovich	PROPN
ajbmeb-2891	1	44	magister	magister	NOUN
ajbmeb-2891	1	45	of	of	ADP
ajbmeb-2891	1	46	banking	banking	NOUN
ajbmeb-2891	1	47	and	and	CCONJ
ajbmeb-2891	1	48	finance	finance	PROPN
ajbmeb-2891	1	49	academy	academy	NOUN
ajbmeb-2891	1	50	e	e	NOUN
ajbmeb-2891	1	51	-	-	NOUN
ajbmeb-2891	1	52	mail	mail	NOUN
ajbmeb-2891	1	53	:	:	PUNCT
ajbmeb-2891	1	54	rovshannomozov8@gmail.com	rovshannomozov8@gmail.com	X
ajbmeb-2891	1	55	orcid:0009	orcid:0009	NUM
ajbmeb-2891	1	56	-	-	PUNCT
ajbmeb-2891	1	57	0003	0003	NUM
ajbmeb-2891	1	58	-	-	PUNCT
ajbmeb-2891	1	59	4329	4329	NUM
ajbmeb-2891	1	60	-	-	SYM
ajbmeb-2891	1	61	9196	9196	NUM
ajbmeb-2891	1	62	a	a	DET
ajbmeb-2891	1	63	b	b	PROPN
ajbmeb-2891	1	64	s	s	ADP
ajbmeb-2891	1	65	t	t	PROPN
ajbmeb-2891	1	66	r	r	NOUN
ajbmeb-2891	1	67	a	a	DET
ajbmeb-2891	1	68	c	c	NOUN
ajbmeb-2891	1	69	t	t	NOUN
ajbmeb-2891	1	70	k	k	X
ajbmeb-2891	1	71	e	e	PROPN
ajbmeb-2891	1	72	y	y	PROPN
ajbmeb-2891	1	73	w	w	NOUN
ajbmeb-2891	1	74	o	o	NOUN
ajbmeb-2891	1	75	r	r	NOUN
ajbmeb-2891	1	76	d	d	X
ajbmeb-2891	1	77	s	s	VERB
ajbmeb-2891	1	78	this	this	DET
ajbmeb-2891	1	79	article	article	NOUN
ajbmeb-2891	1	80	analyzes	analyze	VERB
ajbmeb-2891	1	81	the	the	DET
ajbmeb-2891	1	82	economic	economic	ADJ
ajbmeb-2891	1	83	essence	essence	NOUN
ajbmeb-2891	1	84	and	and	CCONJ
ajbmeb-2891	1	85	theoretical	theoretical	ADJ
ajbmeb-2891	1	86	foundations	foundation	NOUN
ajbmeb-2891	1	87	of	of	ADP
ajbmeb-2891	1	88	the	the	DET
ajbmeb-2891	1	89	retail	retail	ADJ
ajbmeb-2891	1	90	payment	payment	NOUN
ajbmeb-2891	1	91	system	system	NOUN
ajbmeb-2891	1	92	in	in	ADP
ajbmeb-2891	1	93	commercial	commercial	ADJ
ajbmeb-2891	1	94	banks	bank	NOUN
ajbmeb-2891	1	95	.	.	PUNCT
ajbmeb-2891	2	1	retail	retail	ADJ
ajbmeb-2891	2	2	payments	payment	NOUN
ajbmeb-2891	2	3	,	,	PUNCT
ajbmeb-2891	2	4	as	as	ADP
ajbmeb-2891	2	5	a	a	DET
ajbmeb-2891	2	6	key	key	ADJ
ajbmeb-2891	2	7	component	component	NOUN
ajbmeb-2891	2	8	of	of	ADP
ajbmeb-2891	2	9	financial	financial	ADJ
ajbmeb-2891	2	10	transactions	transaction	NOUN
ajbmeb-2891	2	11	between	between	ADP
ajbmeb-2891	2	12	individuals	individual	NOUN
ajbmeb-2891	2	13	,	,	PUNCT
ajbmeb-2891	2	14	businesses	business	NOUN
ajbmeb-2891	2	15	,	,	PUNCT
ajbmeb-2891	2	16	and	and	CCONJ
ajbmeb-2891	2	17	banks	bank	NOUN
ajbmeb-2891	2	18	,	,	PUNCT
ajbmeb-2891	2	19	play	play	VERB
ajbmeb-2891	2	20	a	a	DET
ajbmeb-2891	2	21	crucial	crucial	ADJ
ajbmeb-2891	2	22	role	role	NOUN
ajbmeb-2891	2	23	in	in	ADP
ajbmeb-2891	2	24	monetary	monetary	ADJ
ajbmeb-2891	2	25	circulation	circulation	NOUN
ajbmeb-2891	2	26	,	,	PUNCT
ajbmeb-2891	2	27	financial	financial	ADJ
ajbmeb-2891	2	28	stability	stability	NOUN
ajbmeb-2891	2	29	,	,	PUNCT
ajbmeb-2891	2	30	and	and	CCONJ
ajbmeb-2891	2	31	improving	improve	VERB
ajbmeb-2891	2	32	the	the	DET
ajbmeb-2891	2	33	quality	quality	NOUN
ajbmeb-2891	2	34	of	of	ADP
ajbmeb-2891	2	35	banking	banking	NOUN
ajbmeb-2891	2	36	services	service	NOUN
ajbmeb-2891	2	37	.	.	PUNCT
ajbmeb-2891	3	1	the	the	DET
ajbmeb-2891	3	2	article	article	NOUN
ajbmeb-2891	3	3	explores	explore	VERB
ajbmeb-2891	3	4	core	core	NOUN
ajbmeb-2891	3	5	concepts	concept	NOUN
ajbmeb-2891	3	6	,	,	PUNCT
ajbmeb-2891	3	7	functions	function	NOUN
ajbmeb-2891	3	8	,	,	PUNCT
ajbmeb-2891	3	9	and	and	CCONJ
ajbmeb-2891	3	10	the	the	DET
ajbmeb-2891	3	11	role	role	NOUN
ajbmeb-2891	3	12	of	of	ADP
ajbmeb-2891	3	13	the	the	DET
ajbmeb-2891	3	14	retail	retail	ADJ
ajbmeb-2891	3	15	payment	payment	NOUN
ajbmeb-2891	3	16	system	system	NOUN
ajbmeb-2891	3	17	in	in	ADP
ajbmeb-2891	3	18	a	a	DET
ajbmeb-2891	3	19	market	market	NOUN
ajbmeb-2891	3	20	economy	economy	NOUN
ajbmeb-2891	3	21	,	,	PUNCT
ajbmeb-2891	3	22	along	along	ADP
ajbmeb-2891	3	23	with	with	ADP
ajbmeb-2891	3	24	theoretical	theoretical	ADJ
ajbmeb-2891	3	25	models	model	NOUN
ajbmeb-2891	3	26	drawn	draw	VERB
ajbmeb-2891	3	27	from	from	ADP
ajbmeb-2891	3	28	international	international	ADJ
ajbmeb-2891	3	29	experiences	experience	NOUN
ajbmeb-2891	3	30	.	.	PUNCT
ajbmeb-2891	4	1	the	the	DET
ajbmeb-2891	4	2	author	author	NOUN
ajbmeb-2891	4	3	also	also	ADV
ajbmeb-2891	4	4	proposes	propose	VERB
ajbmeb-2891	4	5	recommendations	recommendation	NOUN
ajbmeb-2891	4	6	for	for	ADP
ajbmeb-2891	4	7	improving	improve	VERB
ajbmeb-2891	4	8	retail	retail	ADJ
ajbmeb-2891	4	9	payment	payment	NOUN
ajbmeb-2891	4	10	services	service	NOUN
ajbmeb-2891	4	11	within	within	ADP
ajbmeb-2891	4	12	the	the	DET
ajbmeb-2891	4	13	banking	banking	NOUN
ajbmeb-2891	4	14	system	system	NOUN
ajbmeb-2891	4	15	of	of	ADP
ajbmeb-2891	4	16	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	4	17	.	.	PUNCT
ajbmeb-2891	5	1	banking	banking	NOUN
ajbmeb-2891	5	2	,	,	PUNCT
ajbmeb-2891	5	3	retail	retail	ADJ
ajbmeb-2891	5	4	payments	payment	NOUN
ajbmeb-2891	5	5	,	,	PUNCT
ajbmeb-2891	5	6	payment	payment	NOUN
ajbmeb-2891	5	7	system	system	NOUN
ajbmeb-2891	5	8	,	,	PUNCT
ajbmeb-2891	5	9	money	money	NOUN
ajbmeb-2891	5	10	circulation	circulation	NOUN
ajbmeb-2891	5	11	,	,	PUNCT
ajbmeb-2891	5	12	banking	banking	NOUN
ajbmeb-2891	5	13	services	service	NOUN
ajbmeb-2891	5	14	.	.	PUNCT
ajbmeb-2891	6	1	introduction	introduction	NOUN
ajbmeb-2891	6	2	as	as	ADP
ajbmeb-2891	6	3	a	a	DET
ajbmeb-2891	6	4	result	result	NOUN
ajbmeb-2891	6	5	of	of	ADP
ajbmeb-2891	6	6	the	the	DET
ajbmeb-2891	6	7	widespread	widespread	ADJ
ajbmeb-2891	6	8	use	use	NOUN
ajbmeb-2891	6	9	of	of	ADP
ajbmeb-2891	6	10	digital	digital	ADJ
ajbmeb-2891	6	11	financial	financial	ADJ
ajbmeb-2891	6	12	instruments	instrument	NOUN
ajbmeb-2891	6	13	and	and	CCONJ
ajbmeb-2891	6	14	modern	modern	ADJ
ajbmeb-2891	6	15	information	information	NOUN
ajbmeb-2891	6	16	technologies	technology	NOUN
ajbmeb-2891	6	17	in	in	ADP
ajbmeb-2891	6	18	the	the	DET
ajbmeb-2891	6	19	global	global	ADJ
ajbmeb-2891	6	20	economy	economy	NOUN
ajbmeb-2891	6	21	,	,	PUNCT
ajbmeb-2891	6	22	payment	payment	NOUN
ajbmeb-2891	6	23	systems	system	NOUN
ajbmeb-2891	6	24	have	have	AUX
ajbmeb-2891	6	25	become	become	VERB
ajbmeb-2891	6	26	an	an	DET
ajbmeb-2891	6	27	integral	integral	ADJ
ajbmeb-2891	6	28	part	part	NOUN
ajbmeb-2891	6	29	of	of	ADP
ajbmeb-2891	6	30	the	the	DET
ajbmeb-2891	6	31	system	system	NOUN
ajbmeb-2891	6	32	of	of	ADP
ajbmeb-2891	6	33	economic	economic	ADJ
ajbmeb-2891	6	34	relations	relation	NOUN
ajbmeb-2891	6	35	.	.	PUNCT
ajbmeb-2891	7	1	in	in	ADP
ajbmeb-2891	7	2	particular	particular	ADJ
ajbmeb-2891	7	3	,	,	PUNCT
ajbmeb-2891	7	4	the	the	DET
ajbmeb-2891	7	5	retail	retail	ADJ
ajbmeb-2891	7	6	payment	payment	NOUN
ajbmeb-2891	7	7	system	system	NOUN
ajbmeb-2891	7	8	,	,	PUNCT
ajbmeb-2891	7	9	as	as	ADP
ajbmeb-2891	7	10	one	one	NUM
ajbmeb-2891	7	11	of	of	ADP
ajbmeb-2891	7	12	the	the	DET
ajbmeb-2891	7	13	main	main	ADJ
ajbmeb-2891	7	14	links	link	NOUN
ajbmeb-2891	7	15	of	of	ADP
ajbmeb-2891	7	16	the	the	DET
ajbmeb-2891	7	17	banking	banking	NOUN
ajbmeb-2891	7	18	system	system	NOUN
ajbmeb-2891	7	19	,	,	PUNCT
ajbmeb-2891	7	20	plays	play	VERB
ajbmeb-2891	7	21	an	an	DET
ajbmeb-2891	7	22	important	important	ADJ
ajbmeb-2891	7	23	role	role	NOUN
ajbmeb-2891	7	24	in	in	ADP
ajbmeb-2891	7	25	the	the	DET
ajbmeb-2891	7	26	implementation	implementation	NOUN
ajbmeb-2891	7	27	of	of	ADP
ajbmeb-2891	7	28	daily	daily	ADJ
ajbmeb-2891	7	29	payments	payment	NOUN
ajbmeb-2891	7	30	of	of	ADP
ajbmeb-2891	7	31	the	the	DET
ajbmeb-2891	7	32	population	population	NOUN
ajbmeb-2891	7	33	and	and	CCONJ
ajbmeb-2891	7	34	business	business	NOUN
ajbmeb-2891	7	35	entities	entity	NOUN
ajbmeb-2891	7	36	.	.	PUNCT
ajbmeb-2891	8	1	in	in	ADP
ajbmeb-2891	8	2	international	international	ADJ
ajbmeb-2891	8	3	practice	practice	NOUN
ajbmeb-2891	8	4	,	,	PUNCT
ajbmeb-2891	8	5	retail	retail	ADJ
ajbmeb-2891	8	6	payments	payment	NOUN
ajbmeb-2891	8	7	,	,	PUNCT
ajbmeb-2891	8	8	as	as	ADP
ajbmeb-2891	8	9	a	a	DET
ajbmeb-2891	8	10	rule	rule	NOUN
ajbmeb-2891	8	11	,	,	PUNCT
ajbmeb-2891	8	12	include	include	VERB
ajbmeb-2891	8	13	small	small	ADJ
ajbmeb-2891	8	14	-	-	PUNCT
ajbmeb-2891	8	15	scale	scale	NOUN
ajbmeb-2891	8	16	,	,	PUNCT
ajbmeb-2891	8	17	fast	fast	ADJ
ajbmeb-2891	8	18	and	and	CCONJ
ajbmeb-2891	8	19	large	large	ADJ
ajbmeb-2891	8	20	-	-	PUNCT
ajbmeb-2891	8	21	scale	scale	NOUN
ajbmeb-2891	8	22	payments	payment	NOUN
ajbmeb-2891	8	23	between	between	ADP
ajbmeb-2891	8	24	individuals	individual	NOUN
ajbmeb-2891	8	25	[	[	X
ajbmeb-2891	8	26	1	1	NUM
ajbmeb-2891	8	27	]	]	PUNCT
ajbmeb-2891	8	28	.	.	PUNCT
ajbmeb-2891	9	1	commercial	commercial	ADJ
ajbmeb-2891	9	2	banks	bank	NOUN
ajbmeb-2891	9	3	act	act	VERB
ajbmeb-2891	9	4	as	as	ADP
ajbmeb-2891	9	5	the	the	DET
ajbmeb-2891	9	6	main	main	ADJ
ajbmeb-2891	9	7	implementing	implement	VERB
ajbmeb-2891	9	8	entities	entity	NOUN
ajbmeb-2891	9	9	in	in	ADP
ajbmeb-2891	9	10	this	this	DET
ajbmeb-2891	9	11	process	process	NOUN
ajbmeb-2891	9	12	.	.	PUNCT
ajbmeb-2891	10	1	they	they	PRON
ajbmeb-2891	10	2	play	play	VERB
ajbmeb-2891	10	3	an	an	DET
ajbmeb-2891	10	4	important	important	ADJ
ajbmeb-2891	10	5	role	role	NOUN
ajbmeb-2891	10	6	in	in	ADP
ajbmeb-2891	10	7	shaping	shape	VERB
ajbmeb-2891	10	8	the	the	DET
ajbmeb-2891	10	9	retail	retail	ADJ
ajbmeb-2891	10	10	payment	payment	NOUN
ajbmeb-2891	10	11	infrastructure	infrastructure	NOUN
ajbmeb-2891	10	12	,	,	PUNCT
ajbmeb-2891	10	13	providing	provide	VERB
ajbmeb-2891	10	14	convenient	convenient	ADJ
ajbmeb-2891	10	15	and	and	CCONJ
ajbmeb-2891	10	16	safe	safe	ADJ
ajbmeb-2891	10	17	financial	financial	ADJ
ajbmeb-2891	10	18	services	service	NOUN
ajbmeb-2891	10	19	to	to	ADP
ajbmeb-2891	10	20	customers	customer	NOUN
ajbmeb-2891	10	21	,	,	PUNCT
ajbmeb-2891	10	22	as	as	ADV
ajbmeb-2891	10	23	well	well	ADV
ajbmeb-2891	10	24	as	as	ADP
ajbmeb-2891	10	25	ensuring	ensure	VERB
ajbmeb-2891	10	26	competitiveness	competitiveness	NOUN
ajbmeb-2891	10	27	.	.	PUNCT
ajbmeb-2891	11	1	through	through	ADP
ajbmeb-2891	11	2	retail	retail	ADJ
ajbmeb-2891	11	3	payment	payment	NOUN
ajbmeb-2891	11	4	systems	system	NOUN
ajbmeb-2891	11	5	,	,	PUNCT
ajbmeb-2891	11	6	commercial	commercial	ADJ
ajbmeb-2891	11	7	banks	bank	NOUN
ajbmeb-2891	11	8	are	be	AUX
ajbmeb-2891	11	9	also	also	ADV
ajbmeb-2891	11	10	expanding	expand	VERB
ajbmeb-2891	11	11	financial	financial	ADJ
ajbmeb-2891	11	12	services	service	NOUN
ajbmeb-2891	11	13	that	that	PRON
ajbmeb-2891	11	14	serve	serve	VERB
ajbmeb-2891	11	15	to	to	PART
ajbmeb-2891	11	16	increase	increase	VERB
ajbmeb-2891	11	17	the	the	DET
ajbmeb-2891	11	18	level	level	NOUN
ajbmeb-2891	11	19	of	of	ADP
ajbmeb-2891	11	20	access	access	NOUN
ajbmeb-2891	11	21	to	to	ADP
ajbmeb-2891	11	22	banking	banking	NOUN
ajbmeb-2891	11	23	services	service	NOUN
ajbmeb-2891	11	24	by	by	ADP
ajbmeb-2891	11	25	the	the	DET
ajbmeb-2891	11	26	population	population	NOUN
ajbmeb-2891	12	1	[	[	X
ajbmeb-2891	12	2	2	2	NUM
ajbmeb-2891	12	3	]	]	PUNCT
ajbmeb-2891	12	4	.	.	PUNCT
ajbmeb-2891	13	1	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	13	2	has	have	AUX
ajbmeb-2891	13	3	also	also	ADV
ajbmeb-2891	13	4	undergone	undergo	VERB
ajbmeb-2891	13	5	significant	significant	ADJ
ajbmeb-2891	13	6	changes	change	NOUN
ajbmeb-2891	13	7	in	in	ADP
ajbmeb-2891	13	8	recent	recent	ADJ
ajbmeb-2891	13	9	years	year	NOUN
ajbmeb-2891	13	10	through	through	ADP
ajbmeb-2891	13	11	the	the	DET
ajbmeb-2891	13	12	modernization	modernization	NOUN
ajbmeb-2891	13	13	of	of	ADP
ajbmeb-2891	13	14	the	the	DET
ajbmeb-2891	13	15	retail	retail	ADJ
ajbmeb-2891	13	16	payment	payment	NOUN
ajbmeb-2891	13	17	system	system	NOUN
ajbmeb-2891	13	18	,	,	PUNCT
ajbmeb-2891	13	19	the	the	DET
ajbmeb-2891	13	20	introduction	introduction	NOUN
ajbmeb-2891	13	21	of	of	ADP
ajbmeb-2891	13	22	digital	digital	ADJ
ajbmeb-2891	13	23	payment	payment	NOUN
ajbmeb-2891	13	24	platforms	platform	NOUN
ajbmeb-2891	13	25	,	,	PUNCT
ajbmeb-2891	13	26	payments	payment	NOUN
ajbmeb-2891	13	27	through	through	ADP
ajbmeb-2891	13	28	mobile	mobile	ADJ
ajbmeb-2891	13	29	applications	application	NOUN
ajbmeb-2891	13	30	,	,	PUNCT
ajbmeb-2891	13	31	and	and	CCONJ
ajbmeb-2891	13	32	online	online	ADJ
ajbmeb-2891	13	33	banking	banking	NOUN
ajbmeb-2891	13	34	services	service	NOUN
ajbmeb-2891	13	35	.	.	PUNCT
ajbmeb-2891	14	1	the	the	DET
ajbmeb-2891	14	2	resolution	resolution	NOUN
ajbmeb-2891	14	3	of	of	ADP
ajbmeb-2891	14	4	the	the	DET
ajbmeb-2891	14	5	president	president	NOUN
ajbmeb-2891	14	6	of	of	ADP
ajbmeb-2891	14	7	the	the	DET
ajbmeb-2891	14	8	republic	republic	NOUN
ajbmeb-2891	14	9	of	of	ADP
ajbmeb-2891	14	10	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	14	11	no	no	INTJ
ajbmeb-2891	14	12	.	.	PUNCT
ajbmeb-2891	15	1	pp-4848	pp-4848	PROPN
ajbmeb-2891	15	2	dated	date	VERB
ajbmeb-2891	15	3	september	september	PROPN
ajbmeb-2891	15	4	23	23	NUM
ajbmeb-2891	15	5	,	,	PUNCT
ajbmeb-2891	15	6	2020	2020	NUM
ajbmeb-2891	15	7	,	,	PUNCT
ajbmeb-2891	15	8	sets	set	VERB
ajbmeb-2891	15	9	out	out	ADP
ajbmeb-2891	15	10	specific	specific	ADJ
ajbmeb-2891	15	11	tasks	task	NOUN
ajbmeb-2891	15	12	for	for	ADP
ajbmeb-2891	15	13	the	the	DET
ajbmeb-2891	15	14	development	development	NOUN
ajbmeb-2891	15	15	of	of	ADP
ajbmeb-2891	15	16	the	the	DET
ajbmeb-2891	15	17	payment	payment	NOUN
ajbmeb-2891	15	18	infrastructure[3	infrastructure[3	PROPN
ajbmeb-2891	15	19	]	]	PUNCT
ajbmeb-2891	15	20	.	.	PUNCT
ajbmeb-2891	16	1	at	at	ADP
ajbmeb-2891	16	2	the	the	DET
ajbmeb-2891	16	3	same	same	ADJ
ajbmeb-2891	16	4	time	time	NOUN
ajbmeb-2891	16	5	,	,	PUNCT
ajbmeb-2891	16	6	the	the	DET
ajbmeb-2891	16	7	central	central	ADJ
ajbmeb-2891	16	8	bank	bank	NOUN
ajbmeb-2891	16	9	is	be	AUX
ajbmeb-2891	16	10	also	also	ADV
ajbmeb-2891	16	11	implementing	implement	VERB
ajbmeb-2891	16	12	a	a	DET
ajbmeb-2891	16	13	strategy	strategy	NOUN
ajbmeb-2891	16	14	for	for	ADP
ajbmeb-2891	16	15	the	the	DET
ajbmeb-2891	16	16	development	development	NOUN
ajbmeb-2891	16	17	of	of	ADP
ajbmeb-2891	16	18	the	the	DET
ajbmeb-2891	16	19	national	national	ADJ
ajbmeb-2891	16	20	payment	payment	NOUN
ajbmeb-2891	16	21	system[4	system[4	PROPN
ajbmeb-2891	16	22	]	]	PUNCT
ajbmeb-2891	16	23	.	.	PUNCT
ajbmeb-2891	17	1	american	american	PROPN
ajbmeb-2891	17	2	journal	journal	PROPN
ajbmeb-2891	17	3	of	of	ADP
ajbmeb-2891	17	4	business	business	NOUN
ajbmeb-2891	17	5	management	management	NOUN
ajbmeb-2891	17	6	,	,	PUNCT
ajbmeb-2891	17	7	economics	economic	NOUN
ajbmeb-2891	17	8	and	and	CCONJ
ajbmeb-2891	17	9	banking	banking	NOUN
ajbmeb-2891	17	10	volume	volume	NOUN
ajbmeb-2891	17	11	35	35	NUM
ajbmeb-2891	17	12	april	april	PROPN
ajbmeb-2891	17	13	2025	2025	NUM
ajbmeb-2891	17	14	p	p	NOUN
ajbmeb-2891	17	15	a	a	DET
ajbmeb-2891	17	16	g	g	NOUN
ajbmeb-2891	17	17	e	e	NOUN
ajbmeb-2891	17	18	|	|	ADV
ajbmeb-2891	17	19	136	136	NUM
ajbmeb-2891	17	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2891	17	21	this	this	DET
ajbmeb-2891	17	22	article	article	NOUN
ajbmeb-2891	17	23	analyzes	analyze	VERB
ajbmeb-2891	17	24	the	the	DET
ajbmeb-2891	17	25	economic	economic	ADJ
ajbmeb-2891	17	26	content	content	NOUN
ajbmeb-2891	17	27	,	,	PUNCT
ajbmeb-2891	17	28	theoretical	theoretical	ADJ
ajbmeb-2891	17	29	foundations	foundation	NOUN
ajbmeb-2891	17	30	,	,	PUNCT
ajbmeb-2891	17	31	functions	function	NOUN
ajbmeb-2891	17	32	,	,	PUNCT
ajbmeb-2891	17	33	and	and	CCONJ
ajbmeb-2891	17	34	place	place	NOUN
ajbmeb-2891	17	35	of	of	ADP
ajbmeb-2891	17	36	the	the	DET
ajbmeb-2891	17	37	retail	retail	ADJ
ajbmeb-2891	17	38	payment	payment	NOUN
ajbmeb-2891	17	39	system	system	NOUN
ajbmeb-2891	17	40	of	of	ADP
ajbmeb-2891	17	41	commercial	commercial	ADJ
ajbmeb-2891	17	42	banks	bank	NOUN
ajbmeb-2891	17	43	in	in	ADP
ajbmeb-2891	17	44	a	a	DET
ajbmeb-2891	17	45	market	market	NOUN
ajbmeb-2891	17	46	economy	economy	NOUN
ajbmeb-2891	17	47	.	.	PUNCT
ajbmeb-2891	18	1	it	it	PRON
ajbmeb-2891	18	2	also	also	ADV
ajbmeb-2891	18	3	assesses	assess	VERB
ajbmeb-2891	18	4	the	the	DET
ajbmeb-2891	18	5	current	current	ADJ
ajbmeb-2891	18	6	situation	situation	NOUN
ajbmeb-2891	18	7	in	in	ADP
ajbmeb-2891	18	8	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	18	9	based	base	VERB
ajbmeb-2891	18	10	on	on	ADP
ajbmeb-2891	18	11	an	an	DET
ajbmeb-2891	18	12	analysis	analysis	NOUN
ajbmeb-2891	18	13	of	of	ADP
ajbmeb-2891	18	14	international	international	ADJ
ajbmeb-2891	18	15	practices	practice	NOUN
ajbmeb-2891	18	16	and	and	CCONJ
ajbmeb-2891	18	17	puts	put	VERB
ajbmeb-2891	18	18	forward	forward	ADV
ajbmeb-2891	18	19	practical	practical	ADJ
ajbmeb-2891	18	20	proposals	proposal	NOUN
ajbmeb-2891	18	21	.	.	PUNCT
ajbmeb-2891	19	1	literature	literature	NOUN
ajbmeb-2891	19	2	review	review	PROPN
ajbmeb-2891	19	3	research	research	NOUN
ajbmeb-2891	19	4	on	on	ADP
ajbmeb-2891	19	5	the	the	DET
ajbmeb-2891	19	6	economic	economic	ADJ
ajbmeb-2891	19	7	content	content	NOUN
ajbmeb-2891	19	8	of	of	ADP
ajbmeb-2891	19	9	retail	retail	ADJ
ajbmeb-2891	19	10	payment	payment	NOUN
ajbmeb-2891	19	11	systems	system	NOUN
ajbmeb-2891	19	12	and	and	CCONJ
ajbmeb-2891	19	13	their	their	PRON
ajbmeb-2891	19	14	importance	importance	NOUN
ajbmeb-2891	19	15	in	in	ADP
ajbmeb-2891	19	16	the	the	DET
ajbmeb-2891	19	17	banking	banking	NOUN
ajbmeb-2891	19	18	system	system	NOUN
ajbmeb-2891	19	19	has	have	AUX
ajbmeb-2891	19	20	been	be	AUX
ajbmeb-2891	19	21	carried	carry	VERB
ajbmeb-2891	19	22	out	out	ADP
ajbmeb-2891	19	23	on	on	ADP
ajbmeb-2891	19	24	a	a	DET
ajbmeb-2891	19	25	large	large	ADJ
ajbmeb-2891	19	26	scale	scale	NOUN
ajbmeb-2891	19	27	in	in	ADP
ajbmeb-2891	19	28	recent	recent	ADJ
ajbmeb-2891	19	29	decades	decade	NOUN
ajbmeb-2891	19	30	.	.	PUNCT
ajbmeb-2891	20	1	research	research	NOUN
ajbmeb-2891	20	2	in	in	ADP
ajbmeb-2891	20	3	this	this	DET
ajbmeb-2891	20	4	area	area	NOUN
ajbmeb-2891	20	5	is	be	AUX
ajbmeb-2891	20	6	mainly	mainly	ADV
ajbmeb-2891	20	7	focused	focus	VERB
ajbmeb-2891	20	8	on	on	ADP
ajbmeb-2891	20	9	such	such	ADJ
ajbmeb-2891	20	10	pressing	press	VERB
ajbmeb-2891	20	11	issues	issue	NOUN
ajbmeb-2891	20	12	as	as	ADP
ajbmeb-2891	20	13	improving	improve	VERB
ajbmeb-2891	20	14	the	the	DET
ajbmeb-2891	20	15	efficiency	efficiency	NOUN
ajbmeb-2891	20	16	of	of	ADP
ajbmeb-2891	20	17	payment	payment	NOUN
ajbmeb-2891	20	18	systems	system	NOUN
ajbmeb-2891	20	19	,	,	PUNCT
ajbmeb-2891	20	20	introducing	introduce	VERB
ajbmeb-2891	20	21	digital	digital	ADJ
ajbmeb-2891	20	22	financial	financial	ADJ
ajbmeb-2891	20	23	instruments	instrument	NOUN
ajbmeb-2891	20	24	,	,	PUNCT
ajbmeb-2891	20	25	and	and	CCONJ
ajbmeb-2891	20	26	expanding	expand	VERB
ajbmeb-2891	20	27	financial	financial	ADJ
ajbmeb-2891	20	28	inclusion	inclusion	NOUN
ajbmeb-2891	20	29	.	.	PUNCT
ajbmeb-2891	21	1	first	first	ADV
ajbmeb-2891	21	2	of	of	ADP
ajbmeb-2891	21	3	all	all	PRON
ajbmeb-2891	21	4	,	,	PUNCT
ajbmeb-2891	21	5	reports	report	NOUN
ajbmeb-2891	21	6	presented	present	VERB
ajbmeb-2891	21	7	by	by	ADP
ajbmeb-2891	21	8	the	the	DET
ajbmeb-2891	21	9	european	european	PROPN
ajbmeb-2891	21	10	central	central	PROPN
ajbmeb-2891	21	11	bank	bank	PROPN
ajbmeb-2891	21	12	analyze	analyze	VERB
ajbmeb-2891	21	13	current	current	ADJ
ajbmeb-2891	21	14	trends	trend	NOUN
ajbmeb-2891	21	15	in	in	ADP
ajbmeb-2891	21	16	retail	retail	ADJ
ajbmeb-2891	21	17	payment	payment	NOUN
ajbmeb-2891	21	18	infrastructure	infrastructure	NOUN
ajbmeb-2891	21	19	,	,	PUNCT
ajbmeb-2891	21	20	automated	automate	VERB
ajbmeb-2891	21	21	payment	payment	NOUN
ajbmeb-2891	21	22	systems	system	NOUN
ajbmeb-2891	21	23	,	,	PUNCT
ajbmeb-2891	21	24	as	as	ADV
ajbmeb-2891	21	25	well	well	ADV
ajbmeb-2891	21	26	as	as	ADP
ajbmeb-2891	21	27	practical	practical	ADJ
ajbmeb-2891	21	28	work	work	NOUN
ajbmeb-2891	21	29	such	such	ADJ
ajbmeb-2891	21	30	as	as	ADP
ajbmeb-2891	21	31	sepa	sepa	NOUN
ajbmeb-2891	21	32	(	(	PUNCT
ajbmeb-2891	21	33	single	single	ADJ
ajbmeb-2891	21	34	euro	euro	NOUN
ajbmeb-2891	21	35	payments	payment	NOUN
ajbmeb-2891	21	36	area	area	NOUN
ajbmeb-2891	21	37	)	)	PUNCT
ajbmeb-2891	21	38	.	.	PUNCT
ajbmeb-2891	22	1	according	accord	VERB
ajbmeb-2891	22	2	to	to	ADP
ajbmeb-2891	22	3	the	the	DET
ajbmeb-2891	22	4	ecb	ecb	NOUN
ajbmeb-2891	22	5	,	,	PUNCT
ajbmeb-2891	22	6	retail	retail	ADJ
ajbmeb-2891	22	7	payments	payment	NOUN
ajbmeb-2891	22	8	not	not	PART
ajbmeb-2891	22	9	only	only	ADV
ajbmeb-2891	22	10	stimulate	stimulate	VERB
ajbmeb-2891	22	11	economic	economic	ADJ
ajbmeb-2891	22	12	activity	activity	NOUN
ajbmeb-2891	22	13	,	,	PUNCT
ajbmeb-2891	22	14	but	but	CCONJ
ajbmeb-2891	22	15	also	also	ADV
ajbmeb-2891	22	16	strengthen	strengthen	VERB
ajbmeb-2891	22	17	regional	regional	ADJ
ajbmeb-2891	22	18	integration[1	integration[1	PROPN
ajbmeb-2891	22	19	]	]	X
ajbmeb-2891	22	20	.	.	PUNCT
ajbmeb-2891	23	1	the	the	DET
ajbmeb-2891	23	2	world	world	PROPN
ajbmeb-2891	23	3	bank	bank	PROPN
ajbmeb-2891	23	4	's	's	PART
ajbmeb-2891	23	5	global	global	ADJ
ajbmeb-2891	23	6	findex	findex	PROPN
ajbmeb-2891	23	7	report	report	NOUN
ajbmeb-2891	23	8	focuses	focus	VERB
ajbmeb-2891	23	9	on	on	ADP
ajbmeb-2891	23	10	the	the	DET
ajbmeb-2891	23	11	level	level	NOUN
ajbmeb-2891	23	12	of	of	ADP
ajbmeb-2891	23	13	use	use	NOUN
ajbmeb-2891	23	14	of	of	ADP
ajbmeb-2891	23	15	digital	digital	ADJ
ajbmeb-2891	23	16	payments	payment	NOUN
ajbmeb-2891	23	17	around	around	ADP
ajbmeb-2891	23	18	the	the	DET
ajbmeb-2891	23	19	world	world	NOUN
ajbmeb-2891	23	20	,	,	PUNCT
ajbmeb-2891	23	21	the	the	DET
ajbmeb-2891	23	22	imbalance	imbalance	NOUN
ajbmeb-2891	23	23	in	in	ADP
ajbmeb-2891	23	24	the	the	DET
ajbmeb-2891	23	25	use	use	NOUN
ajbmeb-2891	23	26	of	of	ADP
ajbmeb-2891	23	27	banking	banking	NOUN
ajbmeb-2891	23	28	services	service	NOUN
ajbmeb-2891	23	29	,	,	PUNCT
ajbmeb-2891	23	30	and	and	CCONJ
ajbmeb-2891	23	31	the	the	DET
ajbmeb-2891	23	32	issues	issue	NOUN
ajbmeb-2891	23	33	of	of	ADP
ajbmeb-2891	23	34	the	the	DET
ajbmeb-2891	23	35	population	population	NOUN
ajbmeb-2891	23	36	remaining	remain	VERB
ajbmeb-2891	23	37	outside	outside	ADP
ajbmeb-2891	23	38	financial	financial	ADJ
ajbmeb-2891	23	39	services[2	services[2	PROPN
ajbmeb-2891	23	40	]	]	PUNCT
ajbmeb-2891	23	41	.	.	PUNCT
ajbmeb-2891	24	1	it	it	PRON
ajbmeb-2891	24	2	notes	note	VERB
ajbmeb-2891	24	3	that	that	SCONJ
ajbmeb-2891	24	4	retail	retail	ADJ
ajbmeb-2891	24	5	payments	payment	NOUN
ajbmeb-2891	24	6	are	be	AUX
ajbmeb-2891	24	7	the	the	DET
ajbmeb-2891	24	8	"	"	PUNCT
ajbmeb-2891	24	9	starting	starting	NOUN
ajbmeb-2891	24	10	point	point	NOUN
ajbmeb-2891	24	11	"	"	PUNCT
ajbmeb-2891	24	12	for	for	ADP
ajbmeb-2891	24	13	the	the	DET
ajbmeb-2891	24	14	digital	digital	ADJ
ajbmeb-2891	24	15	economy	economy	NOUN
ajbmeb-2891	24	16	.	.	PUNCT
ajbmeb-2891	25	1	the	the	DET
ajbmeb-2891	25	2	theoretical	theoretical	ADJ
ajbmeb-2891	25	3	works	work	NOUN
ajbmeb-2891	25	4	of	of	ADP
ajbmeb-2891	25	5	economists	economist	NOUN
ajbmeb-2891	25	6	such	such	ADJ
ajbmeb-2891	25	7	as	as	ADP
ajbmeb-2891	25	8	n.	n.	PROPN
ajbmeb-2891	25	9	g.	g.	PROPN
ajbmeb-2891	25	10	mankiw	mankiw	PROPN
ajbmeb-2891	25	11	(	(	PUNCT
ajbmeb-2891	25	12	2020	2020	NUM
ajbmeb-2891	25	13	)	)	PUNCT
ajbmeb-2891	25	14	and	and	CCONJ
ajbmeb-2891	25	15	f.	f.	PROPN
ajbmeb-2891	25	16	mishkin	mishkin	PROPN
ajbmeb-2891	25	17	(	(	PUNCT
ajbmeb-2891	25	18	2019	2019	NUM
ajbmeb-2891	25	19	)	)	PUNCT
ajbmeb-2891	25	20	have	have	AUX
ajbmeb-2891	25	21	extensively	extensively	ADV
ajbmeb-2891	25	22	covered	cover	VERB
ajbmeb-2891	25	23	issues	issue	NOUN
ajbmeb-2891	25	24	related	relate	VERB
ajbmeb-2891	25	25	to	to	ADP
ajbmeb-2891	25	26	the	the	DET
ajbmeb-2891	25	27	economic	economic	ADJ
ajbmeb-2891	25	28	efficiency	efficiency	NOUN
ajbmeb-2891	25	29	,	,	PUNCT
ajbmeb-2891	25	30	liquidity	liquidity	NOUN
ajbmeb-2891	25	31	,	,	PUNCT
ajbmeb-2891	25	32	security	security	NOUN
ajbmeb-2891	25	33	,	,	PUNCT
ajbmeb-2891	25	34	and	and	CCONJ
ajbmeb-2891	25	35	transaction	transaction	NOUN
ajbmeb-2891	25	36	costs	cost	NOUN
ajbmeb-2891	25	37	of	of	ADP
ajbmeb-2891	25	38	payment	payment	NOUN
ajbmeb-2891	25	39	instruments	instrument	NOUN
ajbmeb-2891	25	40	and	and	CCONJ
ajbmeb-2891	25	41	money	money	NOUN
ajbmeb-2891	25	42	circulation	circulation	NOUN
ajbmeb-2891	25	43	.	.	PUNCT
ajbmeb-2891	26	1	they	they	PRON
ajbmeb-2891	26	2	see	see	VERB
ajbmeb-2891	26	3	payment	payment	NOUN
ajbmeb-2891	26	4	systems	system	NOUN
ajbmeb-2891	26	5	as	as	ADP
ajbmeb-2891	26	6	an	an	DET
ajbmeb-2891	26	7	important	important	ADJ
ajbmeb-2891	26	8	tool	tool	NOUN
ajbmeb-2891	26	9	in	in	ADP
ajbmeb-2891	26	10	optimizing	optimize	VERB
ajbmeb-2891	26	11	interbank	interbank	NOUN
ajbmeb-2891	26	12	relations[5,6	relations[5,6	NOUN
ajbmeb-2891	26	13	]	]	PUNCT
ajbmeb-2891	26	14	.	.	PUNCT
ajbmeb-2891	27	1	at	at	ADP
ajbmeb-2891	27	2	the	the	DET
ajbmeb-2891	27	3	national	national	ADJ
ajbmeb-2891	27	4	level	level	NOUN
ajbmeb-2891	27	5	,	,	PUNCT
ajbmeb-2891	27	6	the	the	DET
ajbmeb-2891	27	7	resolution	resolution	NOUN
ajbmeb-2891	27	8	of	of	ADP
ajbmeb-2891	27	9	the	the	DET
ajbmeb-2891	27	10	president	president	NOUN
ajbmeb-2891	27	11	of	of	ADP
ajbmeb-2891	27	12	the	the	DET
ajbmeb-2891	27	13	republic	republic	NOUN
ajbmeb-2891	27	14	of	of	ADP
ajbmeb-2891	27	15	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	27	16	no	no	INTJ
ajbmeb-2891	27	17	.	.	PUNCT
ajbmeb-2891	28	1	pp-4848	pp-4848	NOUN
ajbmeb-2891	28	2	sets	set	VERB
ajbmeb-2891	28	3	out	out	ADP
ajbmeb-2891	28	4	clear	clear	ADJ
ajbmeb-2891	28	5	directions	direction	NOUN
ajbmeb-2891	28	6	for	for	ADP
ajbmeb-2891	28	7	the	the	DET
ajbmeb-2891	28	8	modernization	modernization	NOUN
ajbmeb-2891	28	9	of	of	ADP
ajbmeb-2891	28	10	the	the	DET
ajbmeb-2891	28	11	payment	payment	NOUN
ajbmeb-2891	28	12	infrastructure	infrastructure	NOUN
ajbmeb-2891	28	13	,	,	PUNCT
ajbmeb-2891	28	14	and	and	CCONJ
ajbmeb-2891	28	15	a	a	DET
ajbmeb-2891	28	16	separate	separate	ADJ
ajbmeb-2891	28	17	task	task	NOUN
ajbmeb-2891	28	18	is	be	AUX
ajbmeb-2891	28	19	to	to	PART
ajbmeb-2891	28	20	pay	pay	VERB
ajbmeb-2891	28	21	great	great	ADJ
ajbmeb-2891	28	22	attention	attention	NOUN
ajbmeb-2891	28	23	to	to	ADP
ajbmeb-2891	28	24	the	the	DET
ajbmeb-2891	28	25	expansion	expansion	NOUN
ajbmeb-2891	28	26	of	of	ADP
ajbmeb-2891	28	27	digital	digital	ADJ
ajbmeb-2891	28	28	services	service	NOUN
ajbmeb-2891	28	29	in	in	ADP
ajbmeb-2891	28	30	commercial	commercial	ADJ
ajbmeb-2891	28	31	banks	bank	NOUN
ajbmeb-2891	29	1	[	[	X
ajbmeb-2891	29	2	3	3	NUM
ajbmeb-2891	29	3	]	]	PUNCT
ajbmeb-2891	29	4	.	.	PUNCT
ajbmeb-2891	30	1	the	the	DET
ajbmeb-2891	30	2	central	central	PROPN
ajbmeb-2891	30	3	bank	bank	NOUN
ajbmeb-2891	30	4	’s	’s	PART
ajbmeb-2891	30	5	2023	2023	NUM
ajbmeb-2891	30	6	report	report	NOUN
ajbmeb-2891	30	7	also	also	ADV
ajbmeb-2891	30	8	analyzes	analyze	VERB
ajbmeb-2891	30	9	the	the	DET
ajbmeb-2891	30	10	role	role	NOUN
ajbmeb-2891	30	11	of	of	ADP
ajbmeb-2891	30	12	national	national	ADJ
ajbmeb-2891	30	13	payment	payment	NOUN
ajbmeb-2891	30	14	systems	system	NOUN
ajbmeb-2891	30	15	in	in	ADP
ajbmeb-2891	30	16	retail	retail	ADJ
ajbmeb-2891	30	17	payments	payment	NOUN
ajbmeb-2891	30	18	and	and	CCONJ
ajbmeb-2891	30	19	the	the	DET
ajbmeb-2891	30	20	level	level	NOUN
ajbmeb-2891	30	21	of	of	ADP
ajbmeb-2891	30	22	service	service	NOUN
ajbmeb-2891	30	23	provision	provision	NOUN
ajbmeb-2891	30	24	through	through	ADP
ajbmeb-2891	30	25	modern	modern	ADJ
ajbmeb-2891	30	26	mobile	mobile	NOUN
ajbmeb-2891	30	27	applications[4	applications[4	PROPN
ajbmeb-2891	30	28	]	]	X
ajbmeb-2891	30	29	.	.	PUNCT
ajbmeb-2891	31	1	also	also	ADV
ajbmeb-2891	31	2	,	,	PUNCT
ajbmeb-2891	31	3	research	research	NOUN
ajbmeb-2891	31	4	by	by	ADP
ajbmeb-2891	31	5	a.	a.	NOUN
ajbmeb-2891	31	6	chakravorty	chakravorty	PROPN
ajbmeb-2891	31	7	(	(	PUNCT
ajbmeb-2891	31	8	2003	2003	NUM
ajbmeb-2891	31	9	)	)	PUNCT
ajbmeb-2891	31	10	on	on	ADP
ajbmeb-2891	31	11	the	the	DET
ajbmeb-2891	31	12	competitive	competitive	ADJ
ajbmeb-2891	31	13	environment	environment	NOUN
ajbmeb-2891	31	14	and	and	CCONJ
ajbmeb-2891	31	15	the	the	DET
ajbmeb-2891	31	16	role	role	NOUN
ajbmeb-2891	31	17	of	of	ADP
ajbmeb-2891	31	18	innovation	innovation	NOUN
ajbmeb-2891	31	19	in	in	ADP
ajbmeb-2891	31	20	retail	retail	ADJ
ajbmeb-2891	31	21	payment	payment	NOUN
ajbmeb-2891	31	22	markets	market	NOUN
ajbmeb-2891	31	23	,	,	PUNCT
ajbmeb-2891	31	24	focusing	focus	VERB
ajbmeb-2891	31	25	on	on	ADP
ajbmeb-2891	31	26	issues	issue	NOUN
ajbmeb-2891	31	27	of	of	ADP
ajbmeb-2891	31	28	effective	effective	ADJ
ajbmeb-2891	31	29	regulation	regulation	NOUN
ajbmeb-2891	31	30	and	and	CCONJ
ajbmeb-2891	31	31	security	security	NOUN
ajbmeb-2891	31	32	for	for	ADP
ajbmeb-2891	31	33	market	market	NOUN
ajbmeb-2891	31	34	participants	participant	NOUN
ajbmeb-2891	31	35	,	,	PUNCT
ajbmeb-2891	31	36	provides	provide	VERB
ajbmeb-2891	31	37	an	an	DET
ajbmeb-2891	31	38	opportunity	opportunity	NOUN
ajbmeb-2891	31	39	to	to	PART
ajbmeb-2891	31	40	compare	compare	VERB
ajbmeb-2891	31	41	the	the	DET
ajbmeb-2891	31	42	experience	experience	NOUN
ajbmeb-2891	31	43	of	of	ADP
ajbmeb-2891	31	44	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	31	45	with	with	ADP
ajbmeb-2891	31	46	international	international	ADJ
ajbmeb-2891	31	47	standards.[7	standards.[7	NOUN
ajbmeb-2891	31	48	]	]	PUNCT
ajbmeb-2891	31	49	thus	thus	ADV
ajbmeb-2891	31	50	,	,	PUNCT
ajbmeb-2891	31	51	the	the	DET
ajbmeb-2891	31	52	analysis	analysis	NOUN
ajbmeb-2891	31	53	of	of	ADP
ajbmeb-2891	31	54	the	the	DET
ajbmeb-2891	31	55	available	available	ADJ
ajbmeb-2891	31	56	literature	literature	NOUN
ajbmeb-2891	31	57	shows	show	VERB
ajbmeb-2891	31	58	that	that	SCONJ
ajbmeb-2891	31	59	retail	retail	ADJ
ajbmeb-2891	31	60	payment	payment	NOUN
ajbmeb-2891	31	61	systems	system	NOUN
ajbmeb-2891	31	62	not	not	PART
ajbmeb-2891	31	63	only	only	ADV
ajbmeb-2891	31	64	stimulate	stimulate	VERB
ajbmeb-2891	31	65	economic	economic	ADJ
ajbmeb-2891	31	66	activity	activity	NOUN
ajbmeb-2891	31	67	,	,	PUNCT
ajbmeb-2891	31	68	but	but	CCONJ
ajbmeb-2891	31	69	also	also	ADV
ajbmeb-2891	31	70	serve	serve	VERB
ajbmeb-2891	31	71	as	as	ADP
ajbmeb-2891	31	72	the	the	DET
ajbmeb-2891	31	73	main	main	ADJ
ajbmeb-2891	31	74	foundation	foundation	NOUN
ajbmeb-2891	31	75	of	of	ADP
ajbmeb-2891	31	76	digital	digital	ADJ
ajbmeb-2891	31	77	financial	financial	ADJ
ajbmeb-2891	31	78	infrastructure	infrastructure	NOUN
ajbmeb-2891	31	79	.	.	PUNCT
ajbmeb-2891	32	1	in	in	ADP
ajbmeb-2891	32	2	improving	improve	VERB
ajbmeb-2891	32	3	this	this	DET
ajbmeb-2891	32	4	system	system	NOUN
ajbmeb-2891	32	5	,	,	PUNCT
ajbmeb-2891	32	6	it	it	PRON
ajbmeb-2891	32	7	is	be	AUX
ajbmeb-2891	32	8	important	important	ADJ
ajbmeb-2891	32	9	to	to	PART
ajbmeb-2891	32	10	harmonize	harmonize	VERB
ajbmeb-2891	32	11	both	both	CCONJ
ajbmeb-2891	32	12	national	national	ADJ
ajbmeb-2891	32	13	and	and	CCONJ
ajbmeb-2891	32	14	international	international	ADJ
ajbmeb-2891	32	15	experiences	experience	NOUN
ajbmeb-2891	32	16	.	.	PUNCT
ajbmeb-2891	33	1	analysis	analysis	NOUN
ajbmeb-2891	33	2	and	and	CCONJ
ajbmeb-2891	33	3	results	result	NOUN
ajbmeb-2891	33	4	in	in	ADP
ajbmeb-2891	33	5	recent	recent	ADJ
ajbmeb-2891	33	6	years	year	NOUN
ajbmeb-2891	33	7	,	,	PUNCT
ajbmeb-2891	33	8	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	33	9	has	have	AUX
ajbmeb-2891	33	10	been	be	AUX
ajbmeb-2891	33	11	implementing	implement	VERB
ajbmeb-2891	33	12	significant	significant	ADJ
ajbmeb-2891	33	13	reforms	reform	NOUN
ajbmeb-2891	33	14	in	in	ADP
ajbmeb-2891	33	15	the	the	DET
ajbmeb-2891	33	16	digitalization	digitalization	NOUN
ajbmeb-2891	33	17	of	of	ADP
ajbmeb-2891	33	18	the	the	DET
ajbmeb-2891	33	19	banking	banking	NOUN
ajbmeb-2891	33	20	system	system	NOUN
ajbmeb-2891	33	21	,	,	PUNCT
ajbmeb-2891	33	22	including	include	VERB
ajbmeb-2891	33	23	the	the	DET
ajbmeb-2891	33	24	expansion	expansion	NOUN
ajbmeb-2891	33	25	of	of	ADP
ajbmeb-2891	33	26	retail	retail	ADJ
ajbmeb-2891	33	27	payment	payment	NOUN
ajbmeb-2891	33	28	services	service	NOUN
ajbmeb-2891	33	29	.	.	PUNCT
ajbmeb-2891	34	1	retail	retail	ADJ
ajbmeb-2891	34	2	payments	payment	NOUN
ajbmeb-2891	34	3	are	be	AUX
ajbmeb-2891	34	4	mainly	mainly	ADV
ajbmeb-2891	34	5	made	make	VERB
ajbmeb-2891	34	6	through	through	ADP
ajbmeb-2891	34	7	mobile	mobile	ADJ
ajbmeb-2891	34	8	applications	application	NOUN
ajbmeb-2891	34	9	,	,	PUNCT
ajbmeb-2891	34	10	internet	internet	NOUN
ajbmeb-2891	34	11	banking	banking	NOUN
ajbmeb-2891	34	12	,	,	PUNCT
ajbmeb-2891	34	13	pos	pos	NOUN
ajbmeb-2891	34	14	terminals	terminal	NOUN
ajbmeb-2891	34	15	and	and	CCONJ
ajbmeb-2891	34	16	qr	qr	NOUN
ajbmeb-2891	34	17	codes	code	NOUN
ajbmeb-2891	34	18	.	.	PUNCT
ajbmeb-2891	35	1	this	this	PRON
ajbmeb-2891	35	2	is	be	AUX
ajbmeb-2891	35	3	increasing	increase	VERB
ajbmeb-2891	35	4	the	the	DET
ajbmeb-2891	35	5	level	level	NOUN
ajbmeb-2891	35	6	of	of	ADP
ajbmeb-2891	35	7	access	access	NOUN
ajbmeb-2891	35	8	to	to	ADP
ajbmeb-2891	35	9	financial	financial	ADJ
ajbmeb-2891	35	10	services	service	NOUN
ajbmeb-2891	35	11	for	for	ADP
ajbmeb-2891	35	12	individuals	individual	NOUN
ajbmeb-2891	35	13	and	and	CCONJ
ajbmeb-2891	35	14	small	small	ADJ
ajbmeb-2891	35	15	businesses	business	NOUN
ajbmeb-2891	35	16	.	.	PUNCT
ajbmeb-2891	36	1	according	accord	VERB
ajbmeb-2891	36	2	to	to	ADP
ajbmeb-2891	36	3	the	the	DET
ajbmeb-2891	36	4	central	central	ADJ
ajbmeb-2891	36	5	bank	bank	NOUN
ajbmeb-2891	36	6	,	,	PUNCT
ajbmeb-2891	36	7	the	the	DET
ajbmeb-2891	36	8	number	number	NOUN
ajbmeb-2891	36	9	of	of	ADP
ajbmeb-2891	36	10	retail	retail	ADJ
ajbmeb-2891	36	11	payments	payment	NOUN
ajbmeb-2891	36	12	in	in	ADP
ajbmeb-2891	36	13	the	the	DET
ajbmeb-2891	36	14	republic	republic	NOUN
ajbmeb-2891	36	15	in	in	ADP
ajbmeb-2891	36	16	2023	2023	NUM
ajbmeb-2891	36	17	will	will	AUX
ajbmeb-2891	36	18	reach	reach	VERB
ajbmeb-2891	36	19	1.7	1.7	NUM
ajbmeb-2891	36	20	billion	billion	NUM
ajbmeb-2891	36	21	,	,	PUNCT
ajbmeb-2891	36	22	which	which	PRON
ajbmeb-2891	36	23	is	be	AUX
ajbmeb-2891	36	24	2.3	2.3	NUM
ajbmeb-2891	36	25	times	time	NOUN
ajbmeb-2891	36	26	more	more	ADJ
ajbmeb-2891	36	27	than	than	ADP
ajbmeb-2891	36	28	in	in	ADP
ajbmeb-2891	36	29	2020[8	2020[8	NUM
ajbmeb-2891	36	30	]	]	PUNCT
ajbmeb-2891	36	31	.	.	PUNCT
ajbmeb-2891	37	1	the	the	DET
ajbmeb-2891	37	2	share	share	NOUN
ajbmeb-2891	37	3	of	of	ADP
ajbmeb-2891	37	4	national	national	ADJ
ajbmeb-2891	37	5	and	and	CCONJ
ajbmeb-2891	37	6	private	private	ADJ
ajbmeb-2891	37	7	payment	payment	NOUN
ajbmeb-2891	37	8	systems	system	NOUN
ajbmeb-2891	37	9	such	such	ADJ
ajbmeb-2891	37	10	as	as	ADP
ajbmeb-2891	37	11	uzcard	uzcard	ADJ
ajbmeb-2891	37	12	,	,	PUNCT
ajbmeb-2891	37	13	humo	humo	PROPN
ajbmeb-2891	37	14	,	,	PUNCT
ajbmeb-2891	37	15	click	click	VERB
ajbmeb-2891	37	16	,	,	PUNCT
ajbmeb-2891	37	17	payme	payme	NOUN
ajbmeb-2891	37	18	in	in	ADP
ajbmeb-2891	37	19	this	this	DET
ajbmeb-2891	37	20	growth	growth	NOUN
ajbmeb-2891	37	21	is	be	AUX
ajbmeb-2891	37	22	increasing	increase	VERB
ajbmeb-2891	37	23	significantly	significantly	ADV
ajbmeb-2891	37	24	.	.	PUNCT
ajbmeb-2891	38	1	this	this	PRON
ajbmeb-2891	38	2	indicates	indicate	VERB
ajbmeb-2891	38	3	an	an	DET
ajbmeb-2891	38	4	increase	increase	NOUN
ajbmeb-2891	38	5	in	in	ADP
ajbmeb-2891	38	6	digital	digital	ADJ
ajbmeb-2891	38	7	financial	financial	ADJ
ajbmeb-2891	38	8	literacy	literacy	NOUN
ajbmeb-2891	38	9	among	among	ADP
ajbmeb-2891	38	10	the	the	DET
ajbmeb-2891	38	11	population	population	NOUN
ajbmeb-2891	38	12	and	and	CCONJ
ajbmeb-2891	38	13	the	the	DET
ajbmeb-2891	38	14	introduction	introduction	NOUN
ajbmeb-2891	38	15	of	of	ADP
ajbmeb-2891	38	16	innovative	innovative	ADJ
ajbmeb-2891	38	17	solutions	solution	NOUN
ajbmeb-2891	38	18	by	by	ADP
ajbmeb-2891	38	19	commercial	commercial	ADJ
ajbmeb-2891	38	20	banks	bank	NOUN
ajbmeb-2891	38	21	.	.	PUNCT
ajbmeb-2891	39	1	table	table	NOUN
ajbmeb-2891	39	2	1	1	NUM
ajbmeb-2891	39	3	american	american	ADJ
ajbmeb-2891	39	4	journal	journal	PROPN
ajbmeb-2891	39	5	of	of	ADP
ajbmeb-2891	39	6	business	business	NOUN
ajbmeb-2891	39	7	management	management	NOUN
ajbmeb-2891	39	8	,	,	PUNCT
ajbmeb-2891	39	9	economics	economic	NOUN
ajbmeb-2891	39	10	and	and	CCONJ
ajbmeb-2891	39	11	banking	banking	NOUN
ajbmeb-2891	39	12	volume	volume	NOUN
ajbmeb-2891	39	13	35	35	NUM
ajbmeb-2891	39	14	april	april	PROPN
ajbmeb-2891	39	15	2025	2025	NUM
ajbmeb-2891	39	16	p	p	NOUN
ajbmeb-2891	39	17	a	a	DET
ajbmeb-2891	39	18	g	g	NOUN
ajbmeb-2891	39	19	e	e	NOUN
ajbmeb-2891	39	20	|	|	ADV
ajbmeb-2891	39	21	137	137	NUM
ajbmeb-2891	39	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2891	39	23	indicators	indicator	NOUN
ajbmeb-2891	39	24	of	of	ADP
ajbmeb-2891	39	25	commercial	commercial	ADJ
ajbmeb-2891	39	26	banks	bank	NOUN
ajbmeb-2891	39	27	in	in	ADP
ajbmeb-2891	39	28	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	39	29	for	for	ADP
ajbmeb-2891	39	30	main	main	ADJ
ajbmeb-2891	39	31	retail	retail	ADJ
ajbmeb-2891	39	32	payment	payment	NOUN
ajbmeb-2891	39	33	services	service	NOUN
ajbmeb-2891	39	34	(	(	PUNCT
ajbmeb-2891	39	35	in	in	ADP
ajbmeb-2891	39	36	thousands)1	thousands)1	ADJ
ajbmeb-2891	39	37	type	type	NOUN
ajbmeb-2891	39	38	of	of	ADP
ajbmeb-2891	39	39	service	service	NOUN
ajbmeb-2891	39	40	2021	2021	NUM
ajbmeb-2891	39	41	y.	y.	NOUN
ajbmeb-2891	39	42	2022	2022	NUM
ajbmeb-2891	40	1	y.	y.	NOUN
ajbmeb-2891	40	2	2023	2023	NUM
ajbmeb-2891	40	3	y.	y.	NOUN
ajbmeb-2891	40	4	loans	loan	NOUN
ajbmeb-2891	40	5	to	to	ADP
ajbmeb-2891	40	6	individuals	individual	NOUN
ajbmeb-2891	40	7	150	150	NUM
ajbmeb-2891	40	8	180	180	NUM
ajbmeb-2891	40	9	210	210	NUM
ajbmeb-2891	40	10	plastic	plastic	NOUN
ajbmeb-2891	40	11	card	card	NOUN
ajbmeb-2891	40	12	users	user	NOUN
ajbmeb-2891	40	13	500	500	NUM
ajbmeb-2891	40	14	600	600	NUM
ajbmeb-2891	40	15	750	750	NUM
ajbmeb-2891	40	16	internet	internet	NOUN
ajbmeb-2891	40	17	banking	banking	NOUN
ajbmeb-2891	40	18	users	user	NOUN
ajbmeb-2891	40	19	200	200	NUM
ajbmeb-2891	40	20	250	250	NUM
ajbmeb-2891	40	21	300	300	NUM
ajbmeb-2891	40	22	mobile	mobile	ADJ
ajbmeb-2891	40	23	application	application	NOUN
ajbmeb-2891	40	24	users	user	NOUN
ajbmeb-2891	40	25	150	150	NUM
ajbmeb-2891	40	26	220	220	NUM
ajbmeb-2891	40	27	280	280	NUM
ajbmeb-2891	40	28	the	the	DET
ajbmeb-2891	40	29	analysis	analysis	NOUN
ajbmeb-2891	40	30	of	of	ADP
ajbmeb-2891	40	31	the	the	DET
ajbmeb-2891	40	32	table	table	NOUN
ajbmeb-2891	40	33	shows	show	VERB
ajbmeb-2891	40	34	that	that	SCONJ
ajbmeb-2891	40	35	the	the	DET
ajbmeb-2891	40	36	number	number	NOUN
ajbmeb-2891	40	37	of	of	ADP
ajbmeb-2891	40	38	users	user	NOUN
ajbmeb-2891	40	39	of	of	ADP
ajbmeb-2891	40	40	mobile	mobile	ADJ
ajbmeb-2891	40	41	applications	application	NOUN
ajbmeb-2891	40	42	and	and	CCONJ
ajbmeb-2891	40	43	internet	internet	NOUN
ajbmeb-2891	40	44	banking	banking	NOUN
ajbmeb-2891	40	45	services	service	NOUN
ajbmeb-2891	40	46	has	have	AUX
ajbmeb-2891	40	47	increased	increase	VERB
ajbmeb-2891	40	48	significantly	significantly	ADV
ajbmeb-2891	40	49	during	during	ADP
ajbmeb-2891	40	50	2021–2023	2021–2023	NUM
ajbmeb-2891	40	51	.	.	PUNCT
ajbmeb-2891	41	1	these	these	DET
ajbmeb-2891	41	2	figures	figure	NOUN
ajbmeb-2891	41	3	indicate	indicate	VERB
ajbmeb-2891	41	4	that	that	SCONJ
ajbmeb-2891	41	5	the	the	DET
ajbmeb-2891	41	6	demand	demand	NOUN
ajbmeb-2891	41	7	for	for	ADP
ajbmeb-2891	41	8	digital	digital	ADJ
ajbmeb-2891	41	9	payment	payment	NOUN
ajbmeb-2891	41	10	services	service	NOUN
ajbmeb-2891	41	11	is	be	AUX
ajbmeb-2891	41	12	growing	grow	VERB
ajbmeb-2891	41	13	and	and	CCONJ
ajbmeb-2891	41	14	that	that	SCONJ
ajbmeb-2891	41	15	banks	bank	NOUN
ajbmeb-2891	41	16	are	be	AUX
ajbmeb-2891	41	17	meeting	meet	VERB
ajbmeb-2891	41	18	this	this	DET
ajbmeb-2891	41	19	demand	demand	NOUN
ajbmeb-2891	41	20	.	.	PUNCT
ajbmeb-2891	42	1	also	also	ADV
ajbmeb-2891	42	2	,	,	PUNCT
ajbmeb-2891	42	3	the	the	DET
ajbmeb-2891	42	4	level	level	NOUN
ajbmeb-2891	42	5	of	of	ADP
ajbmeb-2891	42	6	use	use	NOUN
ajbmeb-2891	42	7	of	of	ADP
ajbmeb-2891	42	8	plastic	plastic	ADJ
ajbmeb-2891	42	9	cards	card	NOUN
ajbmeb-2891	42	10	by	by	ADP
ajbmeb-2891	42	11	the	the	DET
ajbmeb-2891	42	12	population	population	NOUN
ajbmeb-2891	42	13	reached	reach	VERB
ajbmeb-2891	42	14	750	750	NUM
ajbmeb-2891	42	15	thousand	thousand	NUM
ajbmeb-2891	42	16	in	in	ADP
ajbmeb-2891	42	17	2023	2023	NUM
ajbmeb-2891	42	18	,	,	PUNCT
ajbmeb-2891	42	19	an	an	DET
ajbmeb-2891	42	20	increase	increase	NOUN
ajbmeb-2891	42	21	of	of	ADP
ajbmeb-2891	42	22	50	50	NUM
ajbmeb-2891	42	23	%	%	NOUN
ajbmeb-2891	42	24	compared	compare	VERB
ajbmeb-2891	42	25	to	to	ADP
ajbmeb-2891	42	26	2021	2021	NUM
ajbmeb-2891	42	27	.	.	PUNCT
ajbmeb-2891	43	1	this	this	PRON
ajbmeb-2891	43	2	serves	serve	VERB
ajbmeb-2891	43	3	to	to	PART
ajbmeb-2891	43	4	diversify	diversify	VERB
ajbmeb-2891	43	5	sources	source	NOUN
ajbmeb-2891	43	6	of	of	ADP
ajbmeb-2891	43	7	income	income	NOUN
ajbmeb-2891	43	8	for	for	ADP
ajbmeb-2891	43	9	banks	bank	NOUN
ajbmeb-2891	43	10	through	through	ADP
ajbmeb-2891	43	11	payment	payment	NOUN
ajbmeb-2891	43	12	commissions	commission	NOUN
ajbmeb-2891	43	13	.	.	PUNCT
ajbmeb-2891	44	1	practice	practice	NOUN
ajbmeb-2891	44	2	shows	show	VERB
ajbmeb-2891	44	3	that	that	SCONJ
ajbmeb-2891	44	4	the	the	DET
ajbmeb-2891	44	5	development	development	NOUN
ajbmeb-2891	44	6	of	of	ADP
ajbmeb-2891	44	7	the	the	DET
ajbmeb-2891	44	8	retail	retail	ADJ
ajbmeb-2891	44	9	payment	payment	NOUN
ajbmeb-2891	44	10	system	system	NOUN
ajbmeb-2891	44	11	not	not	PART
ajbmeb-2891	44	12	only	only	ADV
ajbmeb-2891	44	13	facilitates	facilitate	VERB
ajbmeb-2891	44	14	payment	payment	NOUN
ajbmeb-2891	44	15	processes	process	NOUN
ajbmeb-2891	44	16	,	,	PUNCT
ajbmeb-2891	44	17	but	but	CCONJ
ajbmeb-2891	44	18	also	also	ADV
ajbmeb-2891	44	19	has	have	VERB
ajbmeb-2891	44	20	a	a	DET
ajbmeb-2891	44	21	positive	positive	ADJ
ajbmeb-2891	44	22	effect	effect	NOUN
ajbmeb-2891	44	23	on	on	ADP
ajbmeb-2891	44	24	reducing	reduce	VERB
ajbmeb-2891	44	25	the	the	DET
ajbmeb-2891	44	26	informal	informal	ADJ
ajbmeb-2891	44	27	economy	economy	NOUN
ajbmeb-2891	44	28	,	,	PUNCT
ajbmeb-2891	44	29	limiting	limit	VERB
ajbmeb-2891	44	30	cash	cash	NOUN
ajbmeb-2891	44	31	circulation	circulation	NOUN
ajbmeb-2891	44	32	,	,	PUNCT
ajbmeb-2891	44	33	and	and	CCONJ
ajbmeb-2891	44	34	increasing	increase	VERB
ajbmeb-2891	44	35	tax	tax	NOUN
ajbmeb-2891	44	36	revenues	revenue	NOUN
ajbmeb-2891	45	1	[	[	X
ajbmeb-2891	45	2	9	9	NUM
ajbmeb-2891	45	3	]	]	PUNCT
ajbmeb-2891	45	4	.	.	PUNCT
ajbmeb-2891	46	1	however	however	ADV
ajbmeb-2891	46	2	,	,	PUNCT
ajbmeb-2891	46	3	the	the	DET
ajbmeb-2891	46	4	analysis	analysis	NOUN
ajbmeb-2891	46	5	also	also	ADV
ajbmeb-2891	46	6	shows	show	VERB
ajbmeb-2891	46	7	that	that	SCONJ
ajbmeb-2891	46	8	the	the	DET
ajbmeb-2891	46	9	geographical	geographical	ADJ
ajbmeb-2891	46	10	coverage	coverage	NOUN
ajbmeb-2891	46	11	of	of	ADP
ajbmeb-2891	46	12	retail	retail	ADJ
ajbmeb-2891	46	13	payment	payment	NOUN
ajbmeb-2891	46	14	services	service	NOUN
ajbmeb-2891	46	15	in	in	ADP
ajbmeb-2891	46	16	commercial	commercial	ADJ
ajbmeb-2891	46	17	banks	bank	NOUN
ajbmeb-2891	46	18	is	be	AUX
ajbmeb-2891	46	19	still	still	ADV
ajbmeb-2891	46	20	limited	limited	ADJ
ajbmeb-2891	46	21	,	,	PUNCT
ajbmeb-2891	46	22	especially	especially	ADV
ajbmeb-2891	46	23	in	in	ADP
ajbmeb-2891	46	24	rural	rural	ADJ
ajbmeb-2891	46	25	areas	area	NOUN
ajbmeb-2891	46	26	,	,	PUNCT
ajbmeb-2891	46	27	due	due	ADP
ajbmeb-2891	46	28	to	to	ADP
ajbmeb-2891	46	29	the	the	DET
ajbmeb-2891	46	30	insufficient	insufficient	ADJ
ajbmeb-2891	46	31	development	development	NOUN
ajbmeb-2891	46	32	of	of	ADP
ajbmeb-2891	46	33	infrastructure	infrastructure	NOUN
ajbmeb-2891	46	34	,	,	PUNCT
ajbmeb-2891	46	35	which	which	PRON
ajbmeb-2891	46	36	limits	limit	VERB
ajbmeb-2891	46	37	the	the	DET
ajbmeb-2891	46	38	use	use	NOUN
ajbmeb-2891	46	39	of	of	ADP
ajbmeb-2891	46	40	information	information	NOUN
ajbmeb-2891	46	41	technologies	technology	NOUN
ajbmeb-2891	46	42	.	.	PUNCT
ajbmeb-2891	47	1	also	also	ADV
ajbmeb-2891	47	2	,	,	PUNCT
ajbmeb-2891	47	3	the	the	DET
ajbmeb-2891	47	4	low	low	ADJ
ajbmeb-2891	47	5	level	level	NOUN
ajbmeb-2891	47	6	of	of	ADP
ajbmeb-2891	47	7	digital	digital	ADJ
ajbmeb-2891	47	8	literacy	literacy	NOUN
ajbmeb-2891	47	9	and	and	CCONJ
ajbmeb-2891	47	10	concerns	concern	NOUN
ajbmeb-2891	47	11	about	about	ADP
ajbmeb-2891	47	12	cybersecurity	cybersecurity	NOUN
ajbmeb-2891	47	13	remain	remain	VERB
ajbmeb-2891	47	14	problems	problem	NOUN
ajbmeb-2891	47	15	in	in	ADP
ajbmeb-2891	47	16	this	this	DET
ajbmeb-2891	47	17	area	area	NOUN
ajbmeb-2891	47	18	.	.	PUNCT
ajbmeb-2891	48	1	the	the	DET
ajbmeb-2891	48	2	results	result	NOUN
ajbmeb-2891	48	3	of	of	ADP
ajbmeb-2891	48	4	research	research	NOUN
ajbmeb-2891	48	5	and	and	CCONJ
ajbmeb-2891	48	6	analysis	analysis	NOUN
ajbmeb-2891	48	7	show	show	VERB
ajbmeb-2891	48	8	that	that	SCONJ
ajbmeb-2891	48	9	the	the	DET
ajbmeb-2891	48	10	interbank	interbank	NOUN
ajbmeb-2891	48	11	payment	payment	NOUN
ajbmeb-2891	48	12	system	system	NOUN
ajbmeb-2891	48	13	is	be	AUX
ajbmeb-2891	48	14	an	an	DET
ajbmeb-2891	48	15	infrastructure	infrastructure	NOUN
ajbmeb-2891	48	16	formed	form	VERB
ajbmeb-2891	48	17	on	on	ADP
ajbmeb-2891	48	18	the	the	DET
ajbmeb-2891	48	19	basis	basis	NOUN
ajbmeb-2891	48	20	of	of	ADP
ajbmeb-2891	48	21	engineering	engineering	NOUN
ajbmeb-2891	48	22	and	and	CCONJ
ajbmeb-2891	48	23	information	information	NOUN
ajbmeb-2891	48	24	technologies	technology	NOUN
ajbmeb-2891	48	25	that	that	PRON
ajbmeb-2891	48	26	ensures	ensure	VERB
ajbmeb-2891	48	27	the	the	DET
ajbmeb-2891	48	28	prompt	prompt	NOUN
ajbmeb-2891	48	29	,	,	PUNCT
ajbmeb-2891	48	30	accurate	accurate	ADJ
ajbmeb-2891	48	31	and	and	CCONJ
ajbmeb-2891	48	32	secure	secure	ADJ
ajbmeb-2891	48	33	execution	execution	NOUN
ajbmeb-2891	48	34	of	of	ADP
ajbmeb-2891	48	35	settlements	settlement	NOUN
ajbmeb-2891	48	36	between	between	ADP
ajbmeb-2891	48	37	commercial	commercial	ADJ
ajbmeb-2891	48	38	banks	bank	NOUN
ajbmeb-2891	48	39	and	and	CCONJ
ajbmeb-2891	48	40	other	other	ADJ
ajbmeb-2891	48	41	financial	financial	ADJ
ajbmeb-2891	48	42	institutions	institution	NOUN
ajbmeb-2891	48	43	.	.	PUNCT
ajbmeb-2891	49	1	the	the	DET
ajbmeb-2891	49	2	forms	form	NOUN
ajbmeb-2891	49	3	of	of	ADP
ajbmeb-2891	49	4	payments	payment	NOUN
ajbmeb-2891	49	5	carried	carry	VERB
ajbmeb-2891	49	6	out	out	ADP
ajbmeb-2891	49	7	through	through	ADP
ajbmeb-2891	49	8	this	this	DET
ajbmeb-2891	49	9	system	system	NOUN
ajbmeb-2891	49	10	indicate	indicate	VERB
ajbmeb-2891	49	11	that	that	SCONJ
ajbmeb-2891	49	12	the	the	DET
ajbmeb-2891	49	13	composition	composition	NOUN
ajbmeb-2891	49	14	,	,	PUNCT
ajbmeb-2891	49	15	volume	volume	NOUN
ajbmeb-2891	49	16	and	and	CCONJ
ajbmeb-2891	49	17	payment	payment	NOUN
ajbmeb-2891	49	18	discipline	discipline	NOUN
ajbmeb-2891	49	19	of	of	ADP
ajbmeb-2891	49	20	money	money	NOUN
ajbmeb-2891	49	21	circulation	circulation	NOUN
ajbmeb-2891	49	22	in	in	ADP
ajbmeb-2891	49	23	the	the	DET
ajbmeb-2891	49	24	national	national	ADJ
ajbmeb-2891	49	25	economy	economy	NOUN
ajbmeb-2891	49	26	are	be	AUX
ajbmeb-2891	49	27	being	be	AUX
ajbmeb-2891	49	28	effectively	effectively	ADV
ajbmeb-2891	49	29	organized	organize	VERB
ajbmeb-2891	49	30	.	.	PUNCT
ajbmeb-2891	50	1	in	in	ADP
ajbmeb-2891	50	2	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	50	3	,	,	PUNCT
ajbmeb-2891	50	4	positive	positive	ADJ
ajbmeb-2891	50	5	changes	change	NOUN
ajbmeb-2891	50	6	have	have	AUX
ajbmeb-2891	50	7	been	be	AUX
ajbmeb-2891	50	8	observed	observe	VERB
ajbmeb-2891	50	9	in	in	ADP
ajbmeb-2891	50	10	the	the	DET
ajbmeb-2891	50	11	number	number	NOUN
ajbmeb-2891	50	12	and	and	CCONJ
ajbmeb-2891	50	13	structure	structure	NOUN
ajbmeb-2891	50	14	of	of	ADP
ajbmeb-2891	50	15	transactions	transaction	NOUN
ajbmeb-2891	50	16	carried	carry	VERB
ajbmeb-2891	50	17	out	out	ADP
ajbmeb-2891	50	18	through	through	ADP
ajbmeb-2891	50	19	the	the	DET
ajbmeb-2891	50	20	interbank	interbank	NOUN
ajbmeb-2891	50	21	payment	payment	NOUN
ajbmeb-2891	50	22	system	system	NOUN
ajbmeb-2891	50	23	in	in	ADP
ajbmeb-2891	50	24	recent	recent	ADJ
ajbmeb-2891	50	25	years	year	NOUN
ajbmeb-2891	50	26	.	.	PUNCT
ajbmeb-2891	51	1	the	the	DET
ajbmeb-2891	51	2	following	follow	VERB
ajbmeb-2891	51	3	table	table	NOUN
ajbmeb-2891	51	4	provides	provide	VERB
ajbmeb-2891	51	5	information	information	NOUN
ajbmeb-2891	51	6	on	on	ADP
ajbmeb-2891	51	7	non	non	ADJ
ajbmeb-2891	51	8	-	-	ADJ
ajbmeb-2891	51	9	cash	cash	ADJ
ajbmeb-2891	51	10	settlement	settlement	NOUN
ajbmeb-2891	51	11	documents	document	NOUN
ajbmeb-2891	51	12	carried	carry	VERB
ajbmeb-2891	51	13	out	out	ADP
ajbmeb-2891	51	14	through	through	ADP
ajbmeb-2891	51	15	the	the	DET
ajbmeb-2891	51	16	interbank	interbank	NOUN
ajbmeb-2891	51	17	payment	payment	NOUN
ajbmeb-2891	51	18	system	system	NOUN
ajbmeb-2891	51	19	.	.	PUNCT
ajbmeb-2891	52	1	table	table	NOUN
ajbmeb-2891	52	2	2	2	NUM
ajbmeb-2891	52	3	settlements	settlement	NOUN
ajbmeb-2891	52	4	made	make	VERB
ajbmeb-2891	52	5	through	through	ADP
ajbmeb-2891	52	6	the	the	DET
ajbmeb-2891	52	7	interbank	interbank	NOUN
ajbmeb-2891	52	8	payment	payment	NOUN
ajbmeb-2891	52	9	system	system	NOUN
ajbmeb-2891	52	10	of	of	ADP
ajbmeb-2891	52	11	uzbekistan2	uzbekistan2	PROPN
ajbmeb-2891	52	12	(	(	PUNCT
ajbmeb-2891	52	13	thousands	thousand	NOUN
ajbmeb-2891	52	14	,	,	PUNCT
ajbmeb-2891	52	15	share	share	NOUN
ajbmeb-2891	52	16	in	in	ADP
ajbmeb-2891	52	17	percent	percent	NOUN
ajbmeb-2891	52	18	)	)	PUNCT
ajbmeb-2891	52	19	payment	payment	NOUN
ajbmeb-2891	52	20	method	method	NOUN
ajbmeb-2891	52	21	2020y	2020y	NUM
ajbmeb-2891	52	22	.	.	PUNCT
ajbmeb-2891	53	1	2021y	2021y	NUM
ajbmeb-2891	53	2	.	.	PUNCT
ajbmeb-2891	53	3	2022y	2022y	NOUN
ajbmeb-2891	53	4	.	.	PUNCT
ajbmeb-2891	54	1	2023y	2023y	NUM
ajbmeb-2891	54	2	.	.	PUNCT
ajbmeb-2891	55	1	2024y	2024y	NOUN
ajbmeb-2891	55	2	.	.	PUNCT
ajbmeb-2891	56	1	number	number	NOUN
ajbmeb-2891	56	2	%	%	NOUN
ajbmeb-2891	56	3	number	number	NOUN
ajbmeb-2891	56	4	%	%	NOUN
ajbmeb-2891	56	5	number	number	NOUN
ajbmeb-2891	56	6	%	%	NOUN
ajbmeb-2891	56	7	number	number	NOUN
ajbmeb-2891	56	8	%	%	NOUN
ajbmeb-2891	56	9	number	number	NOUN
ajbmeb-2891	56	10	%	%	NOUN
ajbmeb-2891	56	11	memorial	memorial	ADJ
ajbmeb-2891	56	12	warrant	warrant	NOUN
ajbmeb-2891	56	13	13	13	NUM
ajbmeb-2891	56	14	737	737	NUM
ajbmeb-2891	56	15	26	26	NUM
ajbmeb-2891	56	16	16	16	NUM
ajbmeb-2891	56	17	549	549	NUM
ajbmeb-2891	56	18	29	29	NUM
ajbmeb-2891	56	19	21	21	NUM
ajbmeb-2891	56	20	186	186	NUM
ajbmeb-2891	56	21	33	33	NUM
ajbmeb-2891	56	22	22	22	NUM
ajbmeb-2891	56	23	910	910	NUM
ajbmeb-2891	56	24	34	34	NUM
ajbmeb-2891	56	25	23	23	NUM
ajbmeb-2891	56	26	360	360	NUM
ajbmeb-2891	56	27	31	31	NUM
ajbmeb-2891	56	28	payment	payment	NOUN
ajbmeb-2891	56	29	order	order	NOUN
ajbmeb-2891	56	30	33	33	NUM
ajbmeb-2891	56	31	842	842	NUM
ajbmeb-2891	56	32	64	64	NUM
ajbmeb-2891	56	33	36	36	NUM
ajbmeb-2891	56	34	353	353	NUM
ajbmeb-2891	56	35	64	64	NUM
ajbmeb-2891	56	36	38	38	NUM
ajbmeb-2891	56	37	370	370	NUM
ajbmeb-2891	56	38	59	59	NUM
ajbmeb-2891	56	39	40	40	NUM
ajbmeb-2891	56	40	168	168	NUM
ajbmeb-2891	56	41	59	59	NUM
ajbmeb-2891	56	42	49	49	NUM
ajbmeb-2891	56	43	220	220	NUM
ajbmeb-2891	56	44	64	64	NUM
ajbmeb-2891	56	45	payment	payment	NOUN
ajbmeb-2891	56	46	request	request	NOUN
ajbmeb-2891	56	47	232	232	NUM
ajbmeb-2891	56	48	0	0	NUM
ajbmeb-2891	56	49	269	269	NUM
ajbmeb-2891	56	50	0	0	NUM
ajbmeb-2891	56	51	229	229	NUM
ajbmeb-2891	56	52	0	0	NUM
ajbmeb-2891	56	53	193	193	NUM
ajbmeb-2891	56	54	0	0	NUM
ajbmeb-2891	56	55	178	178	NUM
ajbmeb-2891	56	56	0	0	NUM
ajbmeb-2891	56	57	letter	letter	NOUN
ajbmeb-2891	56	58	of	of	ADP
ajbmeb-2891	56	59	credit	credit	NOUN
ajbmeb-2891	56	60	0,3	0,3	NOUN
ajbmeb-2891	56	61	0	0	NUM
ajbmeb-2891	56	62	0,2	0,2	NUM
ajbmeb-2891	56	63	0	0	NUM
ajbmeb-2891	56	64	0,07	0,07	NUM
ajbmeb-2891	56	65	0	0	NUM
ajbmeb-2891	56	66	0,08	0,08	NUM
ajbmeb-2891	56	67	0	0	NUM
ajbmeb-2891	57	1	0,03	0,03	NUM
ajbmeb-2891	57	2	0	0	NUM
ajbmeb-2891	57	3	collection	collection	NOUN
ajbmeb-2891	57	4	4	4	NUM
ajbmeb-2891	57	5	833	833	NUM
ajbmeb-2891	57	6	9	9	NUM
ajbmeb-2891	57	7	3	3	NUM
ajbmeb-2891	57	8	882	882	NUM
ajbmeb-2891	57	9	7	7	NUM
ajbmeb-2891	57	10	5	5	NUM
ajbmeb-2891	57	11	079	079	NUM
ajbmeb-2891	57	12	8	8	NUM
ajbmeb-2891	57	13	5	5	NUM
ajbmeb-2891	57	14	079	079	NUM
ajbmeb-2891	57	15	7	7	NUM
ajbmeb-2891	57	16	3	3	NUM
ajbmeb-2891	57	17	714	714	NUM
ajbmeb-2891	57	18	5	5	NUM
ajbmeb-2891	57	19	total	total	NOUN
ajbmeb-2891	57	20	52	52	NUM
ajbmeb-2891	57	21	647	647	NUM
ajbmeb-2891	57	22	100	100	NUM
ajbmeb-2891	57	23	57	57	NUM
ajbmeb-2891	57	24	054	054	NUM
ajbmeb-2891	57	25	100	100	NUM
ajbmeb-2891	57	26	64	64	NUM
ajbmeb-2891	57	27	865	865	NUM
ajbmeb-2891	57	28	100	100	NUM
ajbmeb-2891	57	29	68	68	NUM
ajbmeb-2891	57	30	353	353	NUM
ajbmeb-2891	57	31	100	100	NUM
ajbmeb-2891	57	32	76	76	NUM
ajbmeb-2891	57	33	474	474	NUM
ajbmeb-2891	57	34	100	100	NUM
ajbmeb-2891	57	35	1	1	NUM
ajbmeb-2891	57	36	it	it	PRON
ajbmeb-2891	57	37	was	be	AUX
ajbmeb-2891	57	38	compiled	compile	VERB
ajbmeb-2891	57	39	by	by	ADP
ajbmeb-2891	57	40	the	the	DET
ajbmeb-2891	57	41	author	author	NOUN
ajbmeb-2891	57	42	based	base	VERB
ajbmeb-2891	57	43	on	on	ADP
ajbmeb-2891	57	44	the	the	DET
ajbmeb-2891	57	45	data	datum	NOUN
ajbmeb-2891	57	46	of	of	ADP
ajbmeb-2891	57	47	the	the	DET
ajbmeb-2891	57	48	statistical	statistical	ADJ
ajbmeb-2891	57	49	bulletin	bulletin	NOUN
ajbmeb-2891	57	50	of	of	ADP
ajbmeb-2891	57	51	the	the	DET
ajbmeb-2891	57	52	central	central	ADJ
ajbmeb-2891	57	53	bank	bank	NOUN
ajbmeb-2891	57	54	.	.	PUNCT
ajbmeb-2891	58	1	2	2	NUM
ajbmeb-2891	58	2	it	it	PRON
ajbmeb-2891	58	3	was	be	AUX
ajbmeb-2891	58	4	compiled	compile	VERB
ajbmeb-2891	58	5	by	by	ADP
ajbmeb-2891	58	6	the	the	DET
ajbmeb-2891	58	7	author	author	NOUN
ajbmeb-2891	58	8	based	base	VERB
ajbmeb-2891	58	9	on	on	ADP
ajbmeb-2891	58	10	the	the	DET
ajbmeb-2891	58	11	data	datum	NOUN
ajbmeb-2891	58	12	of	of	ADP
ajbmeb-2891	58	13	the	the	DET
ajbmeb-2891	58	14	statistical	statistical	ADJ
ajbmeb-2891	58	15	bulletin	bulletin	NOUN
ajbmeb-2891	58	16	of	of	ADP
ajbmeb-2891	58	17	the	the	DET
ajbmeb-2891	58	18	central	central	ADJ
ajbmeb-2891	58	19	bank	bank	NOUN
ajbmeb-2891	58	20	.	.	PUNCT
ajbmeb-2891	59	1	american	american	PROPN
ajbmeb-2891	59	2	journal	journal	PROPN
ajbmeb-2891	59	3	of	of	ADP
ajbmeb-2891	59	4	business	business	NOUN
ajbmeb-2891	59	5	management	management	NOUN
ajbmeb-2891	59	6	,	,	PUNCT
ajbmeb-2891	59	7	economics	economic	NOUN
ajbmeb-2891	59	8	and	and	CCONJ
ajbmeb-2891	59	9	banking	banking	NOUN
ajbmeb-2891	59	10	volume	volume	NOUN
ajbmeb-2891	59	11	35	35	NUM
ajbmeb-2891	59	12	april	april	PROPN
ajbmeb-2891	59	13	2025	2025	NUM
ajbmeb-2891	59	14	p	p	NOUN
ajbmeb-2891	59	15	a	a	DET
ajbmeb-2891	59	16	g	g	NOUN
ajbmeb-2891	59	17	e	e	NOUN
ajbmeb-2891	59	18	|	|	NOUN
ajbmeb-2891	59	19	138	138	NUM
ajbmeb-2891	59	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2891	59	21	the	the	DET
ajbmeb-2891	59	22	table	table	NOUN
ajbmeb-2891	59	23	shows	show	VERB
ajbmeb-2891	59	24	that	that	SCONJ
ajbmeb-2891	59	25	in	in	ADP
ajbmeb-2891	59	26	2020	2020	NUM
ajbmeb-2891	59	27	-	-	SYM
ajbmeb-2891	59	28	2024	2024	NUM
ajbmeb-2891	59	29	,	,	PUNCT
ajbmeb-2891	59	30	the	the	DET
ajbmeb-2891	59	31	number	number	NOUN
ajbmeb-2891	59	32	of	of	ADP
ajbmeb-2891	59	33	settlements	settlement	NOUN
ajbmeb-2891	59	34	made	make	VERB
ajbmeb-2891	59	35	through	through	ADP
ajbmeb-2891	59	36	the	the	DET
ajbmeb-2891	59	37	payment	payment	NOUN
ajbmeb-2891	59	38	system	system	NOUN
ajbmeb-2891	59	39	increased	increase	VERB
ajbmeb-2891	59	40	from	from	ADP
ajbmeb-2891	59	41	52,647	52,647	NUM
ajbmeb-2891	59	42	thousand	thousand	NUM
ajbmeb-2891	59	43	to	to	ADP
ajbmeb-2891	59	44	76,474	76,474	NUM
ajbmeb-2891	59	45	thousand	thousand	NUM
ajbmeb-2891	59	46	,	,	PUNCT
ajbmeb-2891	59	47	which	which	PRON
ajbmeb-2891	59	48	is	be	AUX
ajbmeb-2891	59	49	an	an	DET
ajbmeb-2891	59	50	increase	increase	NOUN
ajbmeb-2891	59	51	of	of	ADP
ajbmeb-2891	59	52	45	45	NUM
ajbmeb-2891	59	53	percent	percent	NOUN
ajbmeb-2891	59	54	.	.	PUNCT
ajbmeb-2891	60	1	this	this	PRON
ajbmeb-2891	60	2	indicates	indicate	VERB
ajbmeb-2891	60	3	an	an	DET
ajbmeb-2891	60	4	increase	increase	NOUN
ajbmeb-2891	60	5	in	in	ADP
ajbmeb-2891	60	6	the	the	DET
ajbmeb-2891	60	7	level	level	NOUN
ajbmeb-2891	60	8	of	of	ADP
ajbmeb-2891	60	9	use	use	NOUN
ajbmeb-2891	60	10	of	of	ADP
ajbmeb-2891	60	11	payment	payment	NOUN
ajbmeb-2891	60	12	systems	system	NOUN
ajbmeb-2891	60	13	and	and	CCONJ
ajbmeb-2891	60	14	indicates	indicate	VERB
ajbmeb-2891	60	15	a	a	DET
ajbmeb-2891	60	16	growing	grow	VERB
ajbmeb-2891	60	17	demand	demand	NOUN
ajbmeb-2891	60	18	for	for	ADP
ajbmeb-2891	60	19	interbank	interbank	NOUN
ajbmeb-2891	60	20	transactions	transaction	NOUN
ajbmeb-2891	60	21	.	.	PUNCT
ajbmeb-2891	61	1	in	in	ADP
ajbmeb-2891	61	2	particular	particular	ADJ
ajbmeb-2891	61	3	,	,	PUNCT
ajbmeb-2891	61	4	the	the	DET
ajbmeb-2891	61	5	number	number	NOUN
ajbmeb-2891	61	6	of	of	ADP
ajbmeb-2891	61	7	payments	payment	NOUN
ajbmeb-2891	61	8	made	make	VERB
ajbmeb-2891	61	9	through	through	ADP
ajbmeb-2891	61	10	memorial	memorial	ADJ
ajbmeb-2891	61	11	orders	order	NOUN
ajbmeb-2891	61	12	,	,	PUNCT
ajbmeb-2891	61	13	which	which	PRON
ajbmeb-2891	61	14	was	be	AUX
ajbmeb-2891	61	15	13,737	13,737	NUM
ajbmeb-2891	61	16	thousand	thousand	NUM
ajbmeb-2891	61	17	in	in	ADP
ajbmeb-2891	61	18	2020	2020	NUM
ajbmeb-2891	61	19	,	,	PUNCT
ajbmeb-2891	61	20	reached	reach	VERB
ajbmeb-2891	61	21	23,360	23,360	NUM
ajbmeb-2891	61	22	thousand	thousand	NUM
ajbmeb-2891	61	23	in	in	ADP
ajbmeb-2891	61	24	2024	2024	NUM
ajbmeb-2891	61	25	.	.	PUNCT
ajbmeb-2891	62	1	this	this	PRON
ajbmeb-2891	62	2	is	be	AUX
ajbmeb-2891	62	3	an	an	DET
ajbmeb-2891	62	4	increase	increase	NOUN
ajbmeb-2891	62	5	of	of	ADP
ajbmeb-2891	62	6	almost	almost	ADV
ajbmeb-2891	62	7	70	70	NUM
ajbmeb-2891	62	8	percent	percent	NOUN
ajbmeb-2891	62	9	.	.	PUNCT
ajbmeb-2891	63	1	although	although	SCONJ
ajbmeb-2891	63	2	their	their	PRON
ajbmeb-2891	63	3	share	share	NOUN
ajbmeb-2891	63	4	in	in	ADP
ajbmeb-2891	63	5	total	total	ADJ
ajbmeb-2891	63	6	payments	payment	NOUN
ajbmeb-2891	63	7	was	be	AUX
ajbmeb-2891	63	8	34	34	NUM
ajbmeb-2891	63	9	percent	percent	NOUN
ajbmeb-2891	63	10	in	in	ADP
ajbmeb-2891	63	11	2023	2023	NUM
ajbmeb-2891	63	12	,	,	PUNCT
ajbmeb-2891	63	13	it	it	PRON
ajbmeb-2891	63	14	decreased	decrease	VERB
ajbmeb-2891	63	15	to	to	ADP
ajbmeb-2891	63	16	31	31	NUM
ajbmeb-2891	63	17	percent	percent	NOUN
ajbmeb-2891	63	18	in	in	ADP
ajbmeb-2891	63	19	2024	2024	NUM
ajbmeb-2891	63	20	.	.	PUNCT
ajbmeb-2891	64	1	this	this	PRON
ajbmeb-2891	64	2	indicates	indicate	VERB
ajbmeb-2891	64	3	that	that	SCONJ
ajbmeb-2891	64	4	some	some	DET
ajbmeb-2891	64	5	intra	intra	ADJ
ajbmeb-2891	64	6	-	-	ADJ
ajbmeb-2891	64	7	bank	bank	ADJ
ajbmeb-2891	64	8	payment	payment	NOUN
ajbmeb-2891	64	9	systems	system	NOUN
ajbmeb-2891	64	10	are	be	AUX
ajbmeb-2891	64	11	being	be	AUX
ajbmeb-2891	64	12	optimized	optimize	VERB
ajbmeb-2891	64	13	.	.	PUNCT
ajbmeb-2891	65	1	payment	payment	NOUN
ajbmeb-2891	65	2	orders	order	NOUN
ajbmeb-2891	65	3	are	be	AUX
ajbmeb-2891	65	4	the	the	DET
ajbmeb-2891	65	5	most	most	ADV
ajbmeb-2891	65	6	widely	widely	ADV
ajbmeb-2891	65	7	used	use	VERB
ajbmeb-2891	65	8	and	and	CCONJ
ajbmeb-2891	65	9	are	be	AUX
ajbmeb-2891	65	10	developing	develop	VERB
ajbmeb-2891	65	11	steadily	steadily	ADV
ajbmeb-2891	65	12	.	.	PUNCT
ajbmeb-2891	66	1	for	for	ADP
ajbmeb-2891	66	2	example	example	NOUN
ajbmeb-2891	66	3	,	,	PUNCT
ajbmeb-2891	66	4	this	this	DET
ajbmeb-2891	66	5	form	form	NOUN
ajbmeb-2891	66	6	accounted	account	VERB
ajbmeb-2891	66	7	for	for	ADP
ajbmeb-2891	66	8	64	64	NUM
ajbmeb-2891	66	9	percent	percent	NOUN
ajbmeb-2891	66	10	of	of	ADP
ajbmeb-2891	66	11	total	total	ADJ
ajbmeb-2891	66	12	payments	payment	NOUN
ajbmeb-2891	66	13	in	in	ADP
ajbmeb-2891	66	14	2020	2020	NUM
ajbmeb-2891	66	15	,	,	PUNCT
ajbmeb-2891	66	16	and	and	CCONJ
ajbmeb-2891	66	17	it	it	PRON
ajbmeb-2891	66	18	retained	retain	VERB
ajbmeb-2891	66	19	the	the	DET
ajbmeb-2891	66	20	same	same	ADJ
ajbmeb-2891	66	21	share	share	NOUN
ajbmeb-2891	66	22	in	in	ADP
ajbmeb-2891	66	23	2024	2024	NUM
ajbmeb-2891	66	24	.	.	PUNCT
ajbmeb-2891	67	1	this	this	DET
ajbmeb-2891	67	2	indicator	indicator	NOUN
ajbmeb-2891	67	3	indicates	indicate	VERB
ajbmeb-2891	67	4	the	the	DET
ajbmeb-2891	67	5	importance	importance	NOUN
ajbmeb-2891	67	6	of	of	ADP
ajbmeb-2891	67	7	this	this	DET
ajbmeb-2891	67	8	type	type	NOUN
ajbmeb-2891	67	9	of	of	ADP
ajbmeb-2891	67	10	payment	payment	NOUN
ajbmeb-2891	67	11	as	as	ADP
ajbmeb-2891	67	12	the	the	DET
ajbmeb-2891	67	13	main	main	ADJ
ajbmeb-2891	67	14	means	mean	NOUN
ajbmeb-2891	67	15	of	of	ADP
ajbmeb-2891	67	16	interbank	interbank	NOUN
ajbmeb-2891	67	17	transactions	transaction	NOUN
ajbmeb-2891	67	18	.	.	PUNCT
ajbmeb-2891	68	1	while	while	SCONJ
ajbmeb-2891	68	2	payments	payment	NOUN
ajbmeb-2891	68	3	in	in	ADP
ajbmeb-2891	68	4	the	the	DET
ajbmeb-2891	68	5	form	form	NOUN
ajbmeb-2891	68	6	of	of	ADP
ajbmeb-2891	68	7	collection	collection	NOUN
ajbmeb-2891	68	8	amounted	amount	VERB
ajbmeb-2891	68	9	to	to	ADP
ajbmeb-2891	68	10	4,833	4,833	NUM
ajbmeb-2891	68	11	thousand	thousand	NUM
ajbmeb-2891	68	12	in	in	ADP
ajbmeb-2891	68	13	2020	2020	NUM
ajbmeb-2891	68	14	,	,	PUNCT
ajbmeb-2891	68	15	accounting	account	VERB
ajbmeb-2891	68	16	for	for	ADP
ajbmeb-2891	68	17	9	9	NUM
ajbmeb-2891	68	18	percent	percent	NOUN
ajbmeb-2891	68	19	,	,	PUNCT
ajbmeb-2891	68	20	in	in	ADP
ajbmeb-2891	68	21	2024	2024	NUM
ajbmeb-2891	68	22	they	they	PRON
ajbmeb-2891	68	23	decreased	decrease	VERB
ajbmeb-2891	68	24	to	to	ADP
ajbmeb-2891	68	25	3,714	3,714	NUM
ajbmeb-2891	68	26	thousand	thousand	NUM
ajbmeb-2891	68	27	,	,	PUNCT
ajbmeb-2891	68	28	accounting	account	VERB
ajbmeb-2891	68	29	for	for	ADP
ajbmeb-2891	68	30	5	5	NUM
ajbmeb-2891	68	31	percent	percent	NOUN
ajbmeb-2891	68	32	.	.	PUNCT
ajbmeb-2891	69	1	this	this	PRON
ajbmeb-2891	69	2	indicates	indicate	VERB
ajbmeb-2891	69	3	that	that	SCONJ
ajbmeb-2891	69	4	the	the	DET
ajbmeb-2891	69	5	level	level	NOUN
ajbmeb-2891	69	6	of	of	ADP
ajbmeb-2891	69	7	popularity	popularity	NOUN
ajbmeb-2891	69	8	of	of	ADP
ajbmeb-2891	69	9	this	this	DET
ajbmeb-2891	69	10	form	form	NOUN
ajbmeb-2891	69	11	of	of	ADP
ajbmeb-2891	69	12	operations	operation	NOUN
ajbmeb-2891	69	13	is	be	AUX
ajbmeb-2891	69	14	decreasing	decrease	VERB
ajbmeb-2891	69	15	.	.	PUNCT
ajbmeb-2891	70	1	in	in	ADP
ajbmeb-2891	70	2	this	this	DET
ajbmeb-2891	70	3	case	case	NOUN
ajbmeb-2891	70	4	,	,	PUNCT
ajbmeb-2891	70	5	it	it	PRON
ajbmeb-2891	70	6	is	be	AUX
ajbmeb-2891	70	7	necessary	necessary	ADJ
ajbmeb-2891	70	8	to	to	PART
ajbmeb-2891	70	9	develop	develop	VERB
ajbmeb-2891	70	10	more	more	ADV
ajbmeb-2891	70	11	effective	effective	ADJ
ajbmeb-2891	70	12	solutions	solution	NOUN
ajbmeb-2891	70	13	in	in	ADP
ajbmeb-2891	70	14	terms	term	NOUN
ajbmeb-2891	70	15	of	of	ADP
ajbmeb-2891	70	16	the	the	DET
ajbmeb-2891	70	17	convenience	convenience	NOUN
ajbmeb-2891	70	18	and	and	CCONJ
ajbmeb-2891	70	19	popularity	popularity	NOUN
ajbmeb-2891	70	20	of	of	ADP
ajbmeb-2891	70	21	collection	collection	NOUN
ajbmeb-2891	70	22	mechanisms	mechanism	NOUN
ajbmeb-2891	70	23	.	.	PUNCT
ajbmeb-2891	71	1	forms	form	NOUN
ajbmeb-2891	71	2	such	such	ADJ
ajbmeb-2891	71	3	as	as	ADP
ajbmeb-2891	71	4	letters	letter	NOUN
ajbmeb-2891	71	5	of	of	ADP
ajbmeb-2891	71	6	credit	credit	NOUN
ajbmeb-2891	71	7	and	and	CCONJ
ajbmeb-2891	71	8	payment	payment	NOUN
ajbmeb-2891	71	9	requests	request	NOUN
ajbmeb-2891	71	10	have	have	AUX
ajbmeb-2891	71	11	remained	remain	VERB
ajbmeb-2891	71	12	statistically	statistically	ADV
ajbmeb-2891	71	13	minimal	minimal	ADJ
ajbmeb-2891	71	14	over	over	ADP
ajbmeb-2891	71	15	the	the	DET
ajbmeb-2891	71	16	years	year	NOUN
ajbmeb-2891	71	17	.	.	PUNCT
ajbmeb-2891	72	1	for	for	ADP
ajbmeb-2891	72	2	example	example	NOUN
ajbmeb-2891	72	3	,	,	PUNCT
ajbmeb-2891	72	4	in	in	ADP
ajbmeb-2891	72	5	2024	2024	NUM
ajbmeb-2891	72	6	,	,	PUNCT
ajbmeb-2891	72	7	the	the	DET
ajbmeb-2891	72	8	number	number	NOUN
ajbmeb-2891	72	9	of	of	ADP
ajbmeb-2891	72	10	letters	letter	NOUN
ajbmeb-2891	72	11	of	of	ADP
ajbmeb-2891	72	12	credit	credit	NOUN
ajbmeb-2891	72	13	was	be	AUX
ajbmeb-2891	72	14	only	only	ADV
ajbmeb-2891	72	15	0.03	0.03	NUM
ajbmeb-2891	72	16	thousand	thousand	NUM
ajbmeb-2891	72	17	,	,	PUNCT
ajbmeb-2891	72	18	and	and	CCONJ
ajbmeb-2891	72	19	payment	payment	NOUN
ajbmeb-2891	72	20	requests	request	NOUN
ajbmeb-2891	72	21	were	be	AUX
ajbmeb-2891	72	22	178	178	NUM
ajbmeb-2891	72	23	thousand	thousand	NUM
ajbmeb-2891	72	24	.	.	PUNCT
ajbmeb-2891	73	1	the	the	DET
ajbmeb-2891	73	2	lack	lack	NOUN
ajbmeb-2891	73	3	of	of	ADP
ajbmeb-2891	73	4	development	development	NOUN
ajbmeb-2891	73	5	of	of	ADP
ajbmeb-2891	73	6	this	this	DET
ajbmeb-2891	73	7	type	type	NOUN
ajbmeb-2891	73	8	of	of	ADP
ajbmeb-2891	73	9	payment	payment	NOUN
ajbmeb-2891	73	10	means	mean	NOUN
ajbmeb-2891	73	11	indicates	indicate	VERB
ajbmeb-2891	73	12	the	the	DET
ajbmeb-2891	73	13	need	need	NOUN
ajbmeb-2891	73	14	to	to	PART
ajbmeb-2891	73	15	increase	increase	VERB
ajbmeb-2891	73	16	their	their	PRON
ajbmeb-2891	73	17	accessibility	accessibility	NOUN
ajbmeb-2891	73	18	and	and	CCONJ
ajbmeb-2891	73	19	awareness	awareness	NOUN
ajbmeb-2891	73	20	.	.	PUNCT
ajbmeb-2891	74	1	in	in	ADP
ajbmeb-2891	74	2	general	general	ADJ
ajbmeb-2891	74	3	,	,	PUNCT
ajbmeb-2891	74	4	based	base	VERB
ajbmeb-2891	74	5	on	on	ADP
ajbmeb-2891	74	6	these	these	DET
ajbmeb-2891	74	7	analyses	analysis	NOUN
ajbmeb-2891	74	8	,	,	PUNCT
ajbmeb-2891	74	9	it	it	PRON
ajbmeb-2891	74	10	can	can	AUX
ajbmeb-2891	74	11	be	be	AUX
ajbmeb-2891	74	12	concluded	conclude	VERB
ajbmeb-2891	74	13	that	that	SCONJ
ajbmeb-2891	74	14	payment	payment	NOUN
ajbmeb-2891	74	15	orders	order	NOUN
ajbmeb-2891	74	16	are	be	AUX
ajbmeb-2891	74	17	currently	currently	ADV
ajbmeb-2891	74	18	in	in	ADP
ajbmeb-2891	74	19	the	the	DET
ajbmeb-2891	74	20	leading	lead	VERB
ajbmeb-2891	74	21	position	position	NOUN
ajbmeb-2891	74	22	in	in	ADP
ajbmeb-2891	74	23	the	the	DET
ajbmeb-2891	74	24	interbank	interbank	NOUN
ajbmeb-2891	74	25	payment	payment	NOUN
ajbmeb-2891	74	26	system	system	NOUN
ajbmeb-2891	74	27	,	,	PUNCT
ajbmeb-2891	74	28	the	the	DET
ajbmeb-2891	74	29	number	number	NOUN
ajbmeb-2891	74	30	of	of	ADP
ajbmeb-2891	74	31	payments	payment	NOUN
ajbmeb-2891	74	32	through	through	ADP
ajbmeb-2891	74	33	memorial	memorial	ADJ
ajbmeb-2891	74	34	orders	order	NOUN
ajbmeb-2891	74	35	is	be	AUX
ajbmeb-2891	74	36	increasing	increase	VERB
ajbmeb-2891	74	37	,	,	PUNCT
ajbmeb-2891	74	38	but	but	CCONJ
ajbmeb-2891	74	39	some	some	DET
ajbmeb-2891	74	40	forms	form	NOUN
ajbmeb-2891	74	41	in	in	ADP
ajbmeb-2891	74	42	particular	particular	ADJ
ajbmeb-2891	74	43	,	,	PUNCT
ajbmeb-2891	74	44	collection	collection	NOUN
ajbmeb-2891	74	45	and	and	CCONJ
ajbmeb-2891	74	46	letters	letter	NOUN
ajbmeb-2891	74	47	of	of	ADP
ajbmeb-2891	74	48	credit	credit	NOUN
ajbmeb-2891	74	49	are	be	AUX
ajbmeb-2891	74	50	facing	face	VERB
ajbmeb-2891	74	51	difficulties	difficulty	NOUN
ajbmeb-2891	74	52	in	in	ADP
ajbmeb-2891	74	53	becoming	become	VERB
ajbmeb-2891	74	54	popular	popular	ADJ
ajbmeb-2891	74	55	.	.	PUNCT
ajbmeb-2891	75	1	this	this	PRON
ajbmeb-2891	75	2	,	,	PUNCT
ajbmeb-2891	75	3	in	in	ADP
ajbmeb-2891	75	4	turn	turn	NOUN
ajbmeb-2891	75	5	,	,	PUNCT
ajbmeb-2891	75	6	shows	show	VERB
ajbmeb-2891	75	7	the	the	DET
ajbmeb-2891	75	8	need	need	NOUN
ajbmeb-2891	75	9	to	to	PART
ajbmeb-2891	75	10	further	far	ADV
ajbmeb-2891	75	11	diversify	diversify	VERB
ajbmeb-2891	75	12	the	the	DET
ajbmeb-2891	75	13	banking	banking	NOUN
ajbmeb-2891	75	14	system	system	NOUN
ajbmeb-2891	75	15	,	,	PUNCT
ajbmeb-2891	75	16	introduce	introduce	VERB
ajbmeb-2891	75	17	modern	modern	ADJ
ajbmeb-2891	75	18	payment	payment	NOUN
ajbmeb-2891	75	19	methods	method	NOUN
ajbmeb-2891	75	20	and	and	CCONJ
ajbmeb-2891	75	21	implement	implement	VERB
ajbmeb-2891	75	22	targeted	target	VERB
ajbmeb-2891	75	23	measures	measure	NOUN
ajbmeb-2891	75	24	to	to	PART
ajbmeb-2891	75	25	improve	improve	VERB
ajbmeb-2891	75	26	customer	customer	NOUN
ajbmeb-2891	75	27	literacy	literacy	NOUN
ajbmeb-2891	75	28	.	.	PUNCT
ajbmeb-2891	76	1	in	in	ADP
ajbmeb-2891	76	2	recent	recent	ADJ
ajbmeb-2891	76	3	years	year	NOUN
ajbmeb-2891	76	4	,	,	PUNCT
ajbmeb-2891	76	5	the	the	DET
ajbmeb-2891	76	6	banking	banking	NOUN
ajbmeb-2891	76	7	system	system	NOUN
ajbmeb-2891	76	8	of	of	ADP
ajbmeb-2891	76	9	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	76	10	has	have	AUX
ajbmeb-2891	76	11	undergone	undergo	VERB
ajbmeb-2891	76	12	major	major	ADJ
ajbmeb-2891	76	13	reforms	reform	NOUN
ajbmeb-2891	76	14	in	in	ADP
ajbmeb-2891	76	15	the	the	DET
ajbmeb-2891	76	16	introduction	introduction	NOUN
ajbmeb-2891	76	17	of	of	ADP
ajbmeb-2891	76	18	digital	digital	ADJ
ajbmeb-2891	76	19	services	service	NOUN
ajbmeb-2891	76	20	and	and	CCONJ
ajbmeb-2891	76	21	the	the	DET
ajbmeb-2891	76	22	development	development	NOUN
ajbmeb-2891	76	23	of	of	ADP
ajbmeb-2891	76	24	remote	remote	ADJ
ajbmeb-2891	76	25	financial	financial	ADJ
ajbmeb-2891	76	26	platforms	platform	NOUN
ajbmeb-2891	76	27	.	.	PUNCT
ajbmeb-2891	77	1	in	in	ADP
ajbmeb-2891	77	2	particular	particular	ADJ
ajbmeb-2891	77	3	,	,	PUNCT
ajbmeb-2891	77	4	the	the	DET
ajbmeb-2891	77	5	number	number	NOUN
ajbmeb-2891	77	6	of	of	ADP
ajbmeb-2891	77	7	users	user	NOUN
ajbmeb-2891	77	8	of	of	ADP
ajbmeb-2891	77	9	remote	remote	ADJ
ajbmeb-2891	77	10	banking	banking	NOUN
ajbmeb-2891	77	11	services	service	NOUN
ajbmeb-2891	77	12	is	be	AUX
ajbmeb-2891	77	13	increasing	increase	VERB
ajbmeb-2891	77	14	sharply	sharply	ADV
ajbmeb-2891	77	15	from	from	ADP
ajbmeb-2891	77	16	year	year	NOUN
ajbmeb-2891	77	17	to	to	ADP
ajbmeb-2891	77	18	year	year	NOUN
ajbmeb-2891	77	19	,	,	PUNCT
ajbmeb-2891	77	20	which	which	PRON
ajbmeb-2891	77	21	clearly	clearly	ADV
ajbmeb-2891	77	22	demonstrates	demonstrate	VERB
ajbmeb-2891	77	23	the	the	DET
ajbmeb-2891	77	24	growing	grow	VERB
ajbmeb-2891	77	25	demand	demand	NOUN
ajbmeb-2891	77	26	for	for	ADP
ajbmeb-2891	77	27	and	and	CCONJ
ajbmeb-2891	77	28	trust	trust	NOUN
ajbmeb-2891	77	29	in	in	ADP
ajbmeb-2891	77	30	digital	digital	ADJ
ajbmeb-2891	77	31	finance	finance	NOUN
ajbmeb-2891	77	32	.	.	PUNCT
ajbmeb-2891	78	1	remote	remote	ADJ
ajbmeb-2891	78	2	services	service	NOUN
ajbmeb-2891	78	3	allow	allow	VERB
ajbmeb-2891	78	4	bank	bank	NOUN
ajbmeb-2891	78	5	customers	customer	NOUN
ajbmeb-2891	78	6	to	to	PART
ajbmeb-2891	78	7	carry	carry	VERB
ajbmeb-2891	78	8	out	out	ADP
ajbmeb-2891	78	9	various	various	ADJ
ajbmeb-2891	78	10	financial	financial	ADJ
ajbmeb-2891	78	11	transactions	transaction	NOUN
ajbmeb-2891	78	12	without	without	ADP
ajbmeb-2891	78	13	visiting	visit	VERB
ajbmeb-2891	78	14	the	the	DET
ajbmeb-2891	78	15	bank	bank	NOUN
ajbmeb-2891	78	16	,	,	PUNCT
ajbmeb-2891	78	17	the	the	DET
ajbmeb-2891	78	18	following	follow	VERB
ajbmeb-2891	78	19	table	table	NOUN
ajbmeb-2891	78	20	provides	provide	VERB
ajbmeb-2891	78	21	general	general	ADJ
ajbmeb-2891	78	22	information	information	NOUN
ajbmeb-2891	78	23	about	about	ADP
ajbmeb-2891	78	24	this	this	PRON
ajbmeb-2891	78	25	.	.	PUNCT
ajbmeb-2891	79	1	table	table	NOUN
ajbmeb-2891	79	2	3	3	NUM
ajbmeb-2891	79	3	number	number	NOUN
ajbmeb-2891	79	4	of	of	ADP
ajbmeb-2891	79	5	users	user	NOUN
ajbmeb-2891	79	6	of	of	ADP
ajbmeb-2891	79	7	remote	remote	ADJ
ajbmeb-2891	79	8	banking	banking	NOUN
ajbmeb-2891	79	9	services	service	NOUN
ajbmeb-2891	79	10	in	in	ADP
ajbmeb-2891	79	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	79	12	3	3	NUM
ajbmeb-2891	79	13	date	date	NOUN
ajbmeb-2891	79	14	total	total	ADJ
ajbmeb-2891	79	15	legal	legal	ADJ
ajbmeb-2891	79	16	entities	entity	NOUN
ajbmeb-2891	79	17	and	and	CCONJ
ajbmeb-2891	79	18	individual	individual	ADJ
ajbmeb-2891	79	19	entrepreneurs	entrepreneur	NOUN
ajbmeb-2891	79	20	individuals	individual	NOUN
ajbmeb-2891	79	21	01.01.2020	01.01.2020	ADP
ajbmeb-2891	79	22	y.	y.	NOUN
ajbmeb-2891	79	23	10	10	NUM
ajbmeb-2891	79	24	153	153	NUM
ajbmeb-2891	79	25	458	458	NUM
ajbmeb-2891	79	26	691	691	NUM
ajbmeb-2891	79	27	008	008	NUM
ajbmeb-2891	79	28	9	9	NUM
ajbmeb-2891	79	29	462	462	NUM
ajbmeb-2891	79	30	450	450	NUM
ajbmeb-2891	79	31	01.01.2021	01.01.2021	NUM
ajbmeb-2891	80	1	y.	y.	NOUN
ajbmeb-2891	80	2	14	14	NUM
ajbmeb-2891	80	3	571	571	NUM
ajbmeb-2891	80	4	094	094	NUM
ajbmeb-2891	80	5	822	822	NUM
ajbmeb-2891	80	6	518	518	NUM
ajbmeb-2891	80	7	13	13	NUM
ajbmeb-2891	80	8	748	748	NUM
ajbmeb-2891	80	9	576	576	NUM
ajbmeb-2891	80	10	01.01.2022	01.01.2022	PUNCT
ajbmeb-2891	80	11	y.	y.	NOUN
ajbmeb-2891	80	12	20	20	NUM
ajbmeb-2891	80	13	203	203	NUM
ajbmeb-2891	80	14	384	384	NUM
ajbmeb-2891	80	15	968	968	NUM
ajbmeb-2891	80	16	580	580	NUM
ajbmeb-2891	80	17	19	19	NUM
ajbmeb-2891	80	18	234	234	NUM
ajbmeb-2891	80	19	804	804	NUM
ajbmeb-2891	80	20	01.01.2024	01.01.2024	NOUN
ajbmeb-2891	80	21	y.	y.	NOUN
ajbmeb-2891	80	22	44	44	NUM
ajbmeb-2891	80	23	099	099	NUM
ajbmeb-2891	80	24	600	600	NUM
ajbmeb-2891	80	25	1	1	NUM
ajbmeb-2891	80	26	339	339	NUM
ajbmeb-2891	80	27	609	609	NUM
ajbmeb-2891	80	28	42	42	NUM
ajbmeb-2891	80	29	759	759	NUM
ajbmeb-2891	80	30	991	991	NUM
ajbmeb-2891	80	31	01.01.2025	01.01.2025	NUM
ajbmeb-2891	81	1	y.	y.	NOUN
ajbmeb-2891	81	2	52	52	NUM
ajbmeb-2891	81	3	373	373	NUM
ajbmeb-2891	81	4	327	327	NUM
ajbmeb-2891	81	5	1	1	NUM
ajbmeb-2891	81	6	478	478	NUM
ajbmeb-2891	81	7	073	073	NUM
ajbmeb-2891	81	8	50	50	NUM
ajbmeb-2891	81	9	895	895	NUM
ajbmeb-2891	81	10	254	254	NUM
ajbmeb-2891	81	11	3	3	NUM
ajbmeb-2891	81	12	it	it	PRON
ajbmeb-2891	81	13	was	be	AUX
ajbmeb-2891	81	14	compiled	compile	VERB
ajbmeb-2891	81	15	by	by	ADP
ajbmeb-2891	81	16	the	the	DET
ajbmeb-2891	81	17	author	author	NOUN
ajbmeb-2891	81	18	based	base	VERB
ajbmeb-2891	81	19	on	on	ADP
ajbmeb-2891	81	20	the	the	DET
ajbmeb-2891	81	21	data	datum	NOUN
ajbmeb-2891	81	22	of	of	ADP
ajbmeb-2891	81	23	the	the	DET
ajbmeb-2891	81	24	statistical	statistical	ADJ
ajbmeb-2891	81	25	bulletin	bulletin	NOUN
ajbmeb-2891	81	26	of	of	ADP
ajbmeb-2891	81	27	the	the	DET
ajbmeb-2891	81	28	central	central	ADJ
ajbmeb-2891	81	29	bank	bank	NOUN
ajbmeb-2891	81	30	.	.	PUNCT
ajbmeb-2891	82	1	american	american	PROPN
ajbmeb-2891	82	2	journal	journal	PROPN
ajbmeb-2891	82	3	of	of	ADP
ajbmeb-2891	82	4	business	business	NOUN
ajbmeb-2891	82	5	management	management	NOUN
ajbmeb-2891	82	6	,	,	PUNCT
ajbmeb-2891	82	7	economics	economic	NOUN
ajbmeb-2891	82	8	and	and	CCONJ
ajbmeb-2891	82	9	banking	banking	NOUN
ajbmeb-2891	82	10	volume	volume	NOUN
ajbmeb-2891	82	11	35	35	NUM
ajbmeb-2891	82	12	april	april	PROPN
ajbmeb-2891	82	13	2025	2025	NUM
ajbmeb-2891	82	14	p	p	NOUN
ajbmeb-2891	82	15	a	a	DET
ajbmeb-2891	82	16	g	g	NOUN
ajbmeb-2891	82	17	e	e	NOUN
ajbmeb-2891	82	18	|	|	ADV
ajbmeb-2891	82	19	139	139	NUM
ajbmeb-2891	82	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2891	82	21	according	accord	VERB
ajbmeb-2891	82	22	to	to	ADP
ajbmeb-2891	82	23	the	the	DET
ajbmeb-2891	82	24	table	table	NOUN
ajbmeb-2891	82	25	,	,	PUNCT
ajbmeb-2891	82	26	as	as	ADP
ajbmeb-2891	82	27	of	of	ADP
ajbmeb-2891	82	28	january	january	PROPN
ajbmeb-2891	82	29	1	1	NUM
ajbmeb-2891	82	30	,	,	PUNCT
ajbmeb-2891	82	31	2020	2020	NUM
ajbmeb-2891	82	32	,	,	PUNCT
ajbmeb-2891	82	33	the	the	DET
ajbmeb-2891	82	34	number	number	NOUN
ajbmeb-2891	82	35	of	of	ADP
ajbmeb-2891	82	36	users	user	NOUN
ajbmeb-2891	82	37	of	of	ADP
ajbmeb-2891	82	38	remote	remote	ADJ
ajbmeb-2891	82	39	banking	banking	NOUN
ajbmeb-2891	82	40	services	service	NOUN
ajbmeb-2891	82	41	was	be	AUX
ajbmeb-2891	82	42	10.1	10.1	NUM
ajbmeb-2891	82	43	million	million	NUM
ajbmeb-2891	82	44	,	,	PUNCT
ajbmeb-2891	82	45	while	while	SCONJ
ajbmeb-2891	82	46	by	by	ADP
ajbmeb-2891	82	47	the	the	DET
ajbmeb-2891	82	48	beginning	beginning	NOUN
ajbmeb-2891	82	49	of	of	ADP
ajbmeb-2891	82	50	2025	2025	NUM
ajbmeb-2891	82	51	this	this	DET
ajbmeb-2891	82	52	figure	figure	NOUN
ajbmeb-2891	82	53	had	have	AUX
ajbmeb-2891	82	54	reached	reach	VERB
ajbmeb-2891	82	55	52.3	52.3	NUM
ajbmeb-2891	82	56	million	million	NUM
ajbmeb-2891	82	57	.	.	PUNCT
ajbmeb-2891	83	1	that	that	PRON
ajbmeb-2891	83	2	is	be	AUX
ajbmeb-2891	83	3	,	,	PUNCT
ajbmeb-2891	83	4	the	the	DET
ajbmeb-2891	83	5	number	number	NOUN
ajbmeb-2891	83	6	of	of	ADP
ajbmeb-2891	83	7	users	user	NOUN
ajbmeb-2891	83	8	increased	increase	VERB
ajbmeb-2891	83	9	by	by	ADP
ajbmeb-2891	83	10	5.1	5.1	NUM
ajbmeb-2891	83	11	times	time	NOUN
ajbmeb-2891	83	12	during	during	ADP
ajbmeb-2891	83	13	this	this	DET
ajbmeb-2891	83	14	period	period	NOUN
ajbmeb-2891	83	15	.	.	PUNCT
ajbmeb-2891	84	1	this	this	DET
ajbmeb-2891	84	2	growth	growth	NOUN
ajbmeb-2891	84	3	rate	rate	NOUN
ajbmeb-2891	84	4	indicates	indicate	VERB
ajbmeb-2891	84	5	that	that	SCONJ
ajbmeb-2891	84	6	digital	digital	ADJ
ajbmeb-2891	84	7	financial	financial	ADJ
ajbmeb-2891	84	8	services	service	NOUN
ajbmeb-2891	84	9	have	have	AUX
ajbmeb-2891	84	10	been	be	AUX
ajbmeb-2891	84	11	widely	widely	ADV
ajbmeb-2891	84	12	introduced	introduce	VERB
ajbmeb-2891	84	13	in	in	ADP
ajbmeb-2891	84	14	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	84	15	,	,	PUNCT
ajbmeb-2891	84	16	and	and	CCONJ
ajbmeb-2891	84	17	digital	digital	ADJ
ajbmeb-2891	84	18	communication	communication	NOUN
ajbmeb-2891	84	19	between	between	ADP
ajbmeb-2891	84	20	banks	bank	NOUN
ajbmeb-2891	84	21	and	and	CCONJ
ajbmeb-2891	84	22	clients	client	NOUN
ajbmeb-2891	84	23	has	have	AUX
ajbmeb-2891	84	24	been	be	AUX
ajbmeb-2891	84	25	activated	activate	VERB
ajbmeb-2891	84	26	.	.	PUNCT
ajbmeb-2891	85	1	the	the	DET
ajbmeb-2891	85	2	results	result	NOUN
ajbmeb-2891	85	3	of	of	ADP
ajbmeb-2891	85	4	the	the	DET
ajbmeb-2891	85	5	analysis	analysis	NOUN
ajbmeb-2891	85	6	show	show	VERB
ajbmeb-2891	85	7	that	that	SCONJ
ajbmeb-2891	85	8	individuals	individual	NOUN
ajbmeb-2891	85	9	constitute	constitute	VERB
ajbmeb-2891	85	10	the	the	DET
ajbmeb-2891	85	11	largest	large	ADJ
ajbmeb-2891	85	12	user	user	NOUN
ajbmeb-2891	85	13	group	group	NOUN
ajbmeb-2891	85	14	.	.	PUNCT
ajbmeb-2891	86	1	in	in	ADP
ajbmeb-2891	86	2	2020	2020	NUM
ajbmeb-2891	86	3	,	,	PUNCT
ajbmeb-2891	86	4	their	their	PRON
ajbmeb-2891	86	5	number	number	NOUN
ajbmeb-2891	86	6	was	be	AUX
ajbmeb-2891	86	7	9.4	9.4	NUM
ajbmeb-2891	86	8	million	million	NUM
ajbmeb-2891	86	9	,	,	PUNCT
ajbmeb-2891	86	10	while	while	SCONJ
ajbmeb-2891	86	11	in	in	ADP
ajbmeb-2891	86	12	2025	2025	NUM
ajbmeb-2891	86	13	it	it	PRON
ajbmeb-2891	86	14	reached	reach	VERB
ajbmeb-2891	86	15	50.9	50.9	NUM
ajbmeb-2891	86	16	million	million	NUM
ajbmeb-2891	86	17	.	.	PUNCT
ajbmeb-2891	87	1	this	this	PRON
ajbmeb-2891	87	2	is	be	AUX
ajbmeb-2891	87	3	a	a	DET
ajbmeb-2891	87	4	5.4	5.4	NUM
ajbmeb-2891	87	5	-	-	ADJ
ajbmeb-2891	87	6	fold	fold	ADJ
ajbmeb-2891	87	7	increase	increase	NOUN
ajbmeb-2891	87	8	.	.	PUNCT
ajbmeb-2891	88	1	the	the	DET
ajbmeb-2891	88	2	active	active	ADJ
ajbmeb-2891	88	3	involvement	involvement	NOUN
ajbmeb-2891	88	4	of	of	ADP
ajbmeb-2891	88	5	individuals	individual	NOUN
ajbmeb-2891	88	6	in	in	ADP
ajbmeb-2891	88	7	remote	remote	ADJ
ajbmeb-2891	88	8	services	service	NOUN
ajbmeb-2891	88	9	is	be	AUX
ajbmeb-2891	88	10	primarily	primarily	ADV
ajbmeb-2891	88	11	due	due	ADJ
ajbmeb-2891	88	12	to	to	ADP
ajbmeb-2891	88	13	the	the	DET
ajbmeb-2891	88	14	popularization	popularization	NOUN
ajbmeb-2891	88	15	of	of	ADP
ajbmeb-2891	88	16	mobile	mobile	ADJ
ajbmeb-2891	88	17	banking	banking	NOUN
ajbmeb-2891	88	18	applications	application	NOUN
ajbmeb-2891	88	19	,	,	PUNCT
ajbmeb-2891	88	20	internet	internet	NOUN
ajbmeb-2891	88	21	banking	banking	NOUN
ajbmeb-2891	88	22	and	and	CCONJ
ajbmeb-2891	88	23	payment	payment	NOUN
ajbmeb-2891	88	24	systems	system	NOUN
ajbmeb-2891	88	25	.	.	PUNCT
ajbmeb-2891	89	1	growth	growth	NOUN
ajbmeb-2891	89	2	is	be	AUX
ajbmeb-2891	89	3	also	also	ADV
ajbmeb-2891	89	4	observed	observe	VERB
ajbmeb-2891	89	5	in	in	ADP
ajbmeb-2891	89	6	the	the	DET
ajbmeb-2891	89	7	group	group	NOUN
ajbmeb-2891	89	8	of	of	ADP
ajbmeb-2891	89	9	legal	legal	ADJ
ajbmeb-2891	89	10	entities	entity	NOUN
ajbmeb-2891	89	11	and	and	CCONJ
ajbmeb-2891	89	12	individual	individual	ADJ
ajbmeb-2891	89	13	entrepreneurs	entrepreneur	NOUN
ajbmeb-2891	89	14	.	.	PUNCT
ajbmeb-2891	90	1	their	their	PRON
ajbmeb-2891	90	2	number	number	NOUN
ajbmeb-2891	90	3	was	be	AUX
ajbmeb-2891	90	4	691	691	NUM
ajbmeb-2891	90	5	thousand	thousand	NUM
ajbmeb-2891	90	6	in	in	ADP
ajbmeb-2891	90	7	2020	2020	NUM
ajbmeb-2891	90	8	,	,	PUNCT
ajbmeb-2891	90	9	and	and	CCONJ
ajbmeb-2891	90	10	in	in	ADP
ajbmeb-2891	90	11	2025	2025	NUM
ajbmeb-2891	90	12	it	it	PRON
ajbmeb-2891	90	13	will	will	AUX
ajbmeb-2891	90	14	reach	reach	VERB
ajbmeb-2891	90	15	1.47	1.47	NUM
ajbmeb-2891	90	16	million	million	NUM
ajbmeb-2891	90	17	.	.	PUNCT
ajbmeb-2891	91	1	this	this	PRON
ajbmeb-2891	91	2	also	also	ADV
ajbmeb-2891	91	3	means	mean	VERB
ajbmeb-2891	91	4	an	an	DET
ajbmeb-2891	91	5	almost	almost	ADV
ajbmeb-2891	91	6	two	two	NUM
ajbmeb-2891	91	7	-	-	PUNCT
ajbmeb-2891	91	8	fold	fold	ADJ
ajbmeb-2891	91	9	increase	increase	NOUN
ajbmeb-2891	91	10	.	.	PUNCT
ajbmeb-2891	92	1	this	this	PRON
ajbmeb-2891	92	2	indicates	indicate	VERB
ajbmeb-2891	92	3	that	that	SCONJ
ajbmeb-2891	92	4	the	the	DET
ajbmeb-2891	92	5	culture	culture	NOUN
ajbmeb-2891	92	6	of	of	ADP
ajbmeb-2891	92	7	using	use	VERB
ajbmeb-2891	92	8	online	online	ADJ
ajbmeb-2891	92	9	banking	banking	NOUN
ajbmeb-2891	92	10	services	service	NOUN
ajbmeb-2891	92	11	is	be	AUX
ajbmeb-2891	92	12	growing	grow	VERB
ajbmeb-2891	92	13	among	among	ADP
ajbmeb-2891	92	14	entrepreneurs	entrepreneur	NOUN
ajbmeb-2891	92	15	.	.	PUNCT
ajbmeb-2891	93	1	in	in	ADP
ajbmeb-2891	93	2	conclusion	conclusion	NOUN
ajbmeb-2891	93	3	,	,	PUNCT
ajbmeb-2891	93	4	remote	remote	ADJ
ajbmeb-2891	93	5	banking	banking	NOUN
ajbmeb-2891	93	6	services	service	NOUN
ajbmeb-2891	93	7	are	be	AUX
ajbmeb-2891	93	8	not	not	PART
ajbmeb-2891	93	9	only	only	ADV
ajbmeb-2891	93	10	a	a	DET
ajbmeb-2891	93	11	means	mean	NOUN
ajbmeb-2891	93	12	of	of	ADP
ajbmeb-2891	93	13	increasing	increase	VERB
ajbmeb-2891	93	14	the	the	DET
ajbmeb-2891	93	15	efficiency	efficiency	NOUN
ajbmeb-2891	93	16	of	of	ADP
ajbmeb-2891	93	17	service	service	NOUN
ajbmeb-2891	93	18	provision	provision	NOUN
ajbmeb-2891	93	19	for	for	ADP
ajbmeb-2891	93	20	banks	bank	NOUN
ajbmeb-2891	93	21	,	,	PUNCT
ajbmeb-2891	93	22	but	but	CCONJ
ajbmeb-2891	93	23	also	also	ADV
ajbmeb-2891	93	24	an	an	DET
ajbmeb-2891	93	25	important	important	ADJ
ajbmeb-2891	93	26	driver	driver	NOUN
ajbmeb-2891	93	27	in	in	ADP
ajbmeb-2891	93	28	the	the	DET
ajbmeb-2891	93	29	digitalization	digitalization	NOUN
ajbmeb-2891	93	30	process	process	NOUN
ajbmeb-2891	93	31	of	of	ADP
ajbmeb-2891	93	32	the	the	DET
ajbmeb-2891	93	33	economy	economy	NOUN
ajbmeb-2891	93	34	.	.	PUNCT
ajbmeb-2891	94	1	further	further	ADJ
ajbmeb-2891	94	2	expansion	expansion	NOUN
ajbmeb-2891	94	3	of	of	ADP
ajbmeb-2891	94	4	these	these	DET
ajbmeb-2891	94	5	services	service	NOUN
ajbmeb-2891	94	6	,	,	PUNCT
ajbmeb-2891	94	7	especially	especially	ADV
ajbmeb-2891	94	8	by	by	ADP
ajbmeb-2891	94	9	reaching	reach	VERB
ajbmeb-2891	94	10	underserved	underserved	ADJ
ajbmeb-2891	94	11	segments	segment	NOUN
ajbmeb-2891	94	12	of	of	ADP
ajbmeb-2891	94	13	the	the	DET
ajbmeb-2891	94	14	population	population	NOUN
ajbmeb-2891	94	15	in	in	ADP
ajbmeb-2891	94	16	the	the	DET
ajbmeb-2891	94	17	regions	region	NOUN
ajbmeb-2891	94	18	,	,	PUNCT
ajbmeb-2891	94	19	can	can	AUX
ajbmeb-2891	94	20	further	far	ADV
ajbmeb-2891	94	21	expand	expand	VERB
ajbmeb-2891	94	22	financial	financial	ADJ
ajbmeb-2891	94	23	inclusion	inclusion	NOUN
ajbmeb-2891	94	24	.	.	PUNCT
ajbmeb-2891	95	1	at	at	ADP
ajbmeb-2891	95	2	the	the	DET
ajbmeb-2891	95	3	same	same	ADJ
ajbmeb-2891	95	4	time	time	NOUN
ajbmeb-2891	95	5	,	,	PUNCT
ajbmeb-2891	95	6	areas	area	NOUN
ajbmeb-2891	95	7	such	such	ADJ
ajbmeb-2891	95	8	as	as	ADP
ajbmeb-2891	95	9	ensuring	ensure	VERB
ajbmeb-2891	95	10	cybersecurity	cybersecurity	NOUN
ajbmeb-2891	95	11	,	,	PUNCT
ajbmeb-2891	95	12	increasing	increase	VERB
ajbmeb-2891	95	13	digital	digital	ADJ
ajbmeb-2891	95	14	literacy	literacy	NOUN
ajbmeb-2891	95	15	,	,	PUNCT
ajbmeb-2891	95	16	and	and	CCONJ
ajbmeb-2891	95	17	strengthening	strengthen	VERB
ajbmeb-2891	95	18	the	the	DET
ajbmeb-2891	95	19	legal	legal	ADJ
ajbmeb-2891	95	20	framework	framework	NOUN
ajbmeb-2891	95	21	also	also	ADV
ajbmeb-2891	95	22	remain	remain	VERB
ajbmeb-2891	95	23	priorities	priority	NOUN
ajbmeb-2891	95	24	.	.	PUNCT
ajbmeb-2891	96	1	conclusions	conclusion	NOUN
ajbmeb-2891	96	2	and	and	CCONJ
ajbmeb-2891	96	3	suggestions	suggestion	NOUN
ajbmeb-2891	96	4	the	the	DET
ajbmeb-2891	96	5	conducted	conduct	VERB
ajbmeb-2891	96	6	analysis	analysis	NOUN
ajbmeb-2891	96	7	shows	show	VERB
ajbmeb-2891	96	8	that	that	SCONJ
ajbmeb-2891	96	9	the	the	DET
ajbmeb-2891	96	10	effective	effective	ADJ
ajbmeb-2891	96	11	operation	operation	NOUN
ajbmeb-2891	96	12	of	of	ADP
ajbmeb-2891	96	13	the	the	DET
ajbmeb-2891	96	14	retail	retail	ADJ
ajbmeb-2891	96	15	payment	payment	NOUN
ajbmeb-2891	96	16	system	system	NOUN
ajbmeb-2891	96	17	of	of	ADP
ajbmeb-2891	96	18	commercial	commercial	ADJ
ajbmeb-2891	96	19	banks	bank	NOUN
ajbmeb-2891	96	20	is	be	AUX
ajbmeb-2891	96	21	of	of	ADP
ajbmeb-2891	96	22	great	great	ADJ
ajbmeb-2891	96	23	importance	importance	NOUN
ajbmeb-2891	96	24	in	in	ADP
ajbmeb-2891	96	25	accelerating	accelerate	VERB
ajbmeb-2891	96	26	the	the	DET
ajbmeb-2891	96	27	circulation	circulation	NOUN
ajbmeb-2891	96	28	of	of	ADP
ajbmeb-2891	96	29	money	money	NOUN
ajbmeb-2891	96	30	in	in	ADP
ajbmeb-2891	96	31	the	the	DET
ajbmeb-2891	96	32	country	country	NOUN
ajbmeb-2891	96	33	's	's	PART
ajbmeb-2891	96	34	economy	economy	NOUN
ajbmeb-2891	96	35	,	,	PUNCT
ajbmeb-2891	96	36	expanding	expand	VERB
ajbmeb-2891	96	37	the	the	DET
ajbmeb-2891	96	38	use	use	NOUN
ajbmeb-2891	96	39	of	of	ADP
ajbmeb-2891	96	40	financial	financial	ADJ
ajbmeb-2891	96	41	services	service	NOUN
ajbmeb-2891	96	42	,	,	PUNCT
ajbmeb-2891	96	43	and	and	CCONJ
ajbmeb-2891	96	44	increasing	increase	VERB
ajbmeb-2891	96	45	the	the	DET
ajbmeb-2891	96	46	efficiency	efficiency	NOUN
ajbmeb-2891	96	47	of	of	ADP
ajbmeb-2891	96	48	banks	bank	NOUN
ajbmeb-2891	96	49	'	'	PART
ajbmeb-2891	96	50	activities	activity	NOUN
ajbmeb-2891	96	51	.	.	PUNCT
ajbmeb-2891	97	1	the	the	DET
ajbmeb-2891	97	2	introduction	introduction	NOUN
ajbmeb-2891	97	3	of	of	ADP
ajbmeb-2891	97	4	remote	remote	ADJ
ajbmeb-2891	97	5	payment	payment	NOUN
ajbmeb-2891	97	6	instruments	instrument	NOUN
ajbmeb-2891	97	7	,	,	PUNCT
ajbmeb-2891	97	8	internet	internet	NOUN
ajbmeb-2891	97	9	banking	banking	NOUN
ajbmeb-2891	97	10	,	,	PUNCT
ajbmeb-2891	97	11	mobile	mobile	ADJ
ajbmeb-2891	97	12	applications	application	NOUN
ajbmeb-2891	97	13	,	,	PUNCT
ajbmeb-2891	97	14	and	and	CCONJ
ajbmeb-2891	97	15	other	other	ADJ
ajbmeb-2891	97	16	digital	digital	ADJ
ajbmeb-2891	97	17	solutions	solution	NOUN
ajbmeb-2891	97	18	has	have	AUX
ajbmeb-2891	97	19	significantly	significantly	ADV
ajbmeb-2891	97	20	improved	improve	VERB
ajbmeb-2891	97	21	the	the	DET
ajbmeb-2891	97	22	level	level	NOUN
ajbmeb-2891	97	23	of	of	ADP
ajbmeb-2891	97	24	access	access	NOUN
ajbmeb-2891	97	25	to	to	ADP
ajbmeb-2891	97	26	financial	financial	ADJ
ajbmeb-2891	97	27	services	service	NOUN
ajbmeb-2891	97	28	for	for	ADP
ajbmeb-2891	97	29	the	the	DET
ajbmeb-2891	97	30	population	population	NOUN
ajbmeb-2891	97	31	and	and	CCONJ
ajbmeb-2891	97	32	business	business	NOUN
ajbmeb-2891	97	33	entities	entity	NOUN
ajbmeb-2891	97	34	.	.	PUNCT
ajbmeb-2891	98	1	at	at	ADP
ajbmeb-2891	98	2	the	the	DET
ajbmeb-2891	98	3	same	same	ADJ
ajbmeb-2891	98	4	time	time	NOUN
ajbmeb-2891	98	5	,	,	PUNCT
ajbmeb-2891	98	6	the	the	DET
ajbmeb-2891	98	7	level	level	NOUN
ajbmeb-2891	98	8	of	of	ADP
ajbmeb-2891	98	9	popularity	popularity	NOUN
ajbmeb-2891	98	10	of	of	ADP
ajbmeb-2891	98	11	some	some	DET
ajbmeb-2891	98	12	forms	form	NOUN
ajbmeb-2891	98	13	of	of	ADP
ajbmeb-2891	98	14	payment	payment	NOUN
ajbmeb-2891	98	15	(	(	PUNCT
ajbmeb-2891	98	16	letters	letter	NOUN
ajbmeb-2891	98	17	of	of	ADP
ajbmeb-2891	98	18	credit	credit	NOUN
ajbmeb-2891	98	19	,	,	PUNCT
ajbmeb-2891	98	20	collection	collection	NOUN
ajbmeb-2891	98	21	,	,	PUNCT
ajbmeb-2891	98	22	and	and	CCONJ
ajbmeb-2891	98	23	payment	payment	NOUN
ajbmeb-2891	98	24	orders	order	NOUN
ajbmeb-2891	98	25	)	)	PUNCT
ajbmeb-2891	98	26	remains	remain	VERB
ajbmeb-2891	98	27	low	low	ADJ
ajbmeb-2891	98	28	,	,	PUNCT
ajbmeb-2891	98	29	and	and	CCONJ
ajbmeb-2891	98	30	the	the	DET
ajbmeb-2891	98	31	lack	lack	NOUN
ajbmeb-2891	98	32	of	of	ADP
ajbmeb-2891	98	33	well	well	ADV
ajbmeb-2891	98	34	-	-	PUNCT
ajbmeb-2891	98	35	developed	develop	VERB
ajbmeb-2891	98	36	infrastructure	infrastructure	NOUN
ajbmeb-2891	98	37	in	in	ADP
ajbmeb-2891	98	38	the	the	DET
ajbmeb-2891	98	39	regions	region	NOUN
ajbmeb-2891	98	40	and	and	CCONJ
ajbmeb-2891	98	41	the	the	DET
ajbmeb-2891	98	42	insufficient	insufficient	ADJ
ajbmeb-2891	98	43	level	level	NOUN
ajbmeb-2891	98	44	of	of	ADP
ajbmeb-2891	98	45	digital	digital	ADJ
ajbmeb-2891	98	46	literacy	literacy	NOUN
ajbmeb-2891	98	47	remain	remain	VERB
ajbmeb-2891	98	48	relevant	relevant	ADJ
ajbmeb-2891	98	49	.	.	PUNCT
ajbmeb-2891	99	1	in	in	ADP
ajbmeb-2891	99	2	the	the	DET
ajbmeb-2891	99	3	interbank	interbank	NOUN
ajbmeb-2891	99	4	payment	payment	NOUN
ajbmeb-2891	99	5	system	system	NOUN
ajbmeb-2891	99	6	,	,	PUNCT
ajbmeb-2891	99	7	payment	payment	NOUN
ajbmeb-2891	99	8	orders	order	NOUN
ajbmeb-2891	99	9	occupy	occupy	VERB
ajbmeb-2891	99	10	a	a	DET
ajbmeb-2891	99	11	leading	lead	VERB
ajbmeb-2891	99	12	position	position	NOUN
ajbmeb-2891	99	13	,	,	PUNCT
ajbmeb-2891	99	14	however	however	ADV
ajbmeb-2891	99	15	,	,	PUNCT
ajbmeb-2891	99	16	we	we	PRON
ajbmeb-2891	99	17	believe	believe	VERB
ajbmeb-2891	99	18	that	that	SCONJ
ajbmeb-2891	99	19	it	it	PRON
ajbmeb-2891	99	20	is	be	AUX
ajbmeb-2891	99	21	necessary	necessary	ADJ
ajbmeb-2891	99	22	to	to	PART
ajbmeb-2891	99	23	further	far	ADV
ajbmeb-2891	99	24	expand	expand	VERB
ajbmeb-2891	99	25	the	the	DET
ajbmeb-2891	99	26	opportunities	opportunity	NOUN
ajbmeb-2891	99	27	for	for	ADP
ajbmeb-2891	99	28	the	the	DET
ajbmeb-2891	99	29	effective	effective	ADJ
ajbmeb-2891	99	30	use	use	NOUN
ajbmeb-2891	99	31	of	of	ADP
ajbmeb-2891	99	32	various	various	ADJ
ajbmeb-2891	99	33	forms	form	NOUN
ajbmeb-2891	99	34	.	.	PUNCT
ajbmeb-2891	100	1	based	base	VERB
ajbmeb-2891	100	2	on	on	ADP
ajbmeb-2891	100	3	the	the	DET
ajbmeb-2891	100	4	above	above	ADV
ajbmeb-2891	100	5	-	-	PUNCT
ajbmeb-2891	100	6	mentioned	mention	VERB
ajbmeb-2891	100	7	analyses	analysis	NOUN
ajbmeb-2891	100	8	,	,	PUNCT
ajbmeb-2891	100	9	studies	study	NOUN
ajbmeb-2891	100	10	and	and	CCONJ
ajbmeb-2891	100	11	conclusions	conclusion	NOUN
ajbmeb-2891	100	12	,	,	PUNCT
ajbmeb-2891	100	13	we	we	PRON
ajbmeb-2891	100	14	have	have	AUX
ajbmeb-2891	100	15	developed	develop	VERB
ajbmeb-2891	100	16	the	the	DET
ajbmeb-2891	100	17	following	follow	VERB
ajbmeb-2891	100	18	proposals	proposal	NOUN
ajbmeb-2891	100	19	for	for	ADP
ajbmeb-2891	100	20	the	the	DET
ajbmeb-2891	100	21	development	development	NOUN
ajbmeb-2891	100	22	of	of	ADP
ajbmeb-2891	100	23	the	the	DET
ajbmeb-2891	100	24	retail	retail	ADJ
ajbmeb-2891	100	25	payment	payment	NOUN
ajbmeb-2891	100	26	system	system	NOUN
ajbmeb-2891	100	27	in	in	ADP
ajbmeb-2891	100	28	commercial	commercial	ADJ
ajbmeb-2891	100	29	banks	bank	NOUN
ajbmeb-2891	100	30	:	:	PUNCT
ajbmeb-2891	101	1	1	1	X
ajbmeb-2891	101	2	.	.	X
ajbmeb-2891	101	3	it	it	PRON
ajbmeb-2891	101	4	is	be	AUX
ajbmeb-2891	101	5	necessary	necessary	ADJ
ajbmeb-2891	101	6	to	to	PART
ajbmeb-2891	101	7	expand	expand	VERB
ajbmeb-2891	101	8	the	the	DET
ajbmeb-2891	101	9	digital	digital	ADJ
ajbmeb-2891	101	10	infrastructure	infrastructure	NOUN
ajbmeb-2891	101	11	across	across	ADP
ajbmeb-2891	101	12	regions	region	NOUN
ajbmeb-2891	101	13	.	.	PUNCT
ajbmeb-2891	102	1	in	in	ADP
ajbmeb-2891	102	2	particular	particular	ADJ
ajbmeb-2891	102	3	,	,	PUNCT
ajbmeb-2891	102	4	it	it	PRON
ajbmeb-2891	102	5	is	be	AUX
ajbmeb-2891	102	6	necessary	necessary	ADJ
ajbmeb-2891	102	7	to	to	PART
ajbmeb-2891	102	8	improve	improve	VERB
ajbmeb-2891	102	9	internet	internet	NOUN
ajbmeb-2891	102	10	connectivity	connectivity	NOUN
ajbmeb-2891	102	11	in	in	ADP
ajbmeb-2891	102	12	remote	remote	ADJ
ajbmeb-2891	102	13	and	and	CCONJ
ajbmeb-2891	102	14	rural	rural	ADJ
ajbmeb-2891	102	15	areas	area	NOUN
ajbmeb-2891	102	16	,	,	PUNCT
ajbmeb-2891	102	17	expand	expand	VERB
ajbmeb-2891	102	18	the	the	DET
ajbmeb-2891	102	19	infrastructure	infrastructure	NOUN
ajbmeb-2891	102	20	of	of	ADP
ajbmeb-2891	102	21	pos	pos	NOUN
ajbmeb-2891	102	22	terminals	terminal	NOUN
ajbmeb-2891	102	23	and	and	CCONJ
ajbmeb-2891	102	24	qr	qr	NOUN
ajbmeb-2891	102	25	codes	code	NOUN
ajbmeb-2891	102	26	,	,	PUNCT
ajbmeb-2891	102	27	and	and	CCONJ
ajbmeb-2891	102	28	expand	expand	VERB
ajbmeb-2891	102	29	the	the	DET
ajbmeb-2891	102	30	opportunities	opportunity	NOUN
ajbmeb-2891	102	31	for	for	ADP
ajbmeb-2891	102	32	providing	provide	VERB
ajbmeb-2891	102	33	digital	digital	ADJ
ajbmeb-2891	102	34	payment	payment	NOUN
ajbmeb-2891	102	35	services	service	NOUN
ajbmeb-2891	102	36	to	to	ADP
ajbmeb-2891	102	37	the	the	DET
ajbmeb-2891	102	38	population	population	NOUN
ajbmeb-2891	102	39	.	.	PUNCT
ajbmeb-2891	103	1	2	2	X
ajbmeb-2891	103	2	.	.	X
ajbmeb-2891	103	3	it	it	PRON
ajbmeb-2891	103	4	is	be	AUX
ajbmeb-2891	103	5	necessary	necessary	ADJ
ajbmeb-2891	103	6	to	to	PART
ajbmeb-2891	103	7	strengthen	strengthen	VERB
ajbmeb-2891	103	8	the	the	DET
ajbmeb-2891	103	9	promotion	promotion	NOUN
ajbmeb-2891	103	10	of	of	ADP
ajbmeb-2891	103	11	payment	payment	NOUN
ajbmeb-2891	103	12	forms	form	NOUN
ajbmeb-2891	103	13	among	among	ADP
ajbmeb-2891	103	14	entities	entity	NOUN
ajbmeb-2891	103	15	that	that	PRON
ajbmeb-2891	103	16	have	have	VERB
ajbmeb-2891	103	17	the	the	DET
ajbmeb-2891	103	18	status	status	NOUN
ajbmeb-2891	103	19	of	of	ADP
ajbmeb-2891	103	20	legal	legal	ADJ
ajbmeb-2891	103	21	entities	entity	NOUN
ajbmeb-2891	103	22	.	.	PUNCT
ajbmeb-2891	104	1	in	in	ADP
ajbmeb-2891	104	2	particular	particular	ADJ
ajbmeb-2891	104	3	,	,	PUNCT
ajbmeb-2891	104	4	it	it	PRON
ajbmeb-2891	104	5	is	be	AUX
ajbmeb-2891	104	6	possible	possible	ADJ
ajbmeb-2891	104	7	to	to	PART
ajbmeb-2891	104	8	encourage	encourage	VERB
ajbmeb-2891	104	9	their	their	PRON
ajbmeb-2891	104	10	use	use	NOUN
ajbmeb-2891	104	11	by	by	ADP
ajbmeb-2891	104	12	informing	inform	VERB
ajbmeb-2891	104	13	the	the	DET
ajbmeb-2891	104	14	public	public	NOUN
ajbmeb-2891	104	15	about	about	ADP
ajbmeb-2891	104	16	the	the	DET
ajbmeb-2891	104	17	advantages	advantage	NOUN
ajbmeb-2891	104	18	,	,	PUNCT
ajbmeb-2891	104	19	security	security	NOUN
ajbmeb-2891	104	20	features	feature	NOUN
ajbmeb-2891	104	21	and	and	CCONJ
ajbmeb-2891	104	22	procedure	procedure	NOUN
ajbmeb-2891	104	23	for	for	ADP
ajbmeb-2891	104	24	using	use	VERB
ajbmeb-2891	104	25	forms	form	NOUN
ajbmeb-2891	104	26	such	such	ADJ
ajbmeb-2891	104	27	as	as	ADP
ajbmeb-2891	104	28	letters	letter	NOUN
ajbmeb-2891	104	29	of	of	ADP
ajbmeb-2891	104	30	credit	credit	NOUN
ajbmeb-2891	104	31	,	,	PUNCT
ajbmeb-2891	104	32	collection	collection	NOUN
ajbmeb-2891	104	33	and	and	CCONJ
ajbmeb-2891	104	34	payment	payment	NOUN
ajbmeb-2891	104	35	requests	request	NOUN
ajbmeb-2891	104	36	.	.	PUNCT
ajbmeb-2891	105	1	4	4	X
ajbmeb-2891	105	2	.	.	X
ajbmeb-2891	105	3	in	in	ADP
ajbmeb-2891	105	4	order	order	NOUN
ajbmeb-2891	105	5	to	to	PART
ajbmeb-2891	105	6	strengthen	strengthen	VERB
ajbmeb-2891	105	7	the	the	DET
ajbmeb-2891	105	8	growth	growth	NOUN
ajbmeb-2891	105	9	in	in	ADP
ajbmeb-2891	105	10	the	the	DET
ajbmeb-2891	105	11	number	number	NOUN
ajbmeb-2891	105	12	of	of	ADP
ajbmeb-2891	105	13	users	user	NOUN
ajbmeb-2891	105	14	of	of	ADP
ajbmeb-2891	105	15	remote	remote	ADJ
ajbmeb-2891	105	16	services	service	NOUN
ajbmeb-2891	105	17	,	,	PUNCT
ajbmeb-2891	105	18	it	it	PRON
ajbmeb-2891	105	19	is	be	AUX
ajbmeb-2891	105	20	necessary	necessary	ADJ
ajbmeb-2891	105	21	to	to	PART
ajbmeb-2891	105	22	strengthen	strengthen	VERB
ajbmeb-2891	105	23	cooperation	cooperation	NOUN
ajbmeb-2891	105	24	between	between	ADP
ajbmeb-2891	105	25	the	the	DET
ajbmeb-2891	105	26	public	public	NOUN
ajbmeb-2891	105	27	and	and	CCONJ
ajbmeb-2891	105	28	the	the	DET
ajbmeb-2891	105	29	private	private	ADJ
ajbmeb-2891	105	30	sector	sector	NOUN
ajbmeb-2891	105	31	to	to	PART
ajbmeb-2891	105	32	increase	increase	VERB
ajbmeb-2891	105	33	digital	digital	ADJ
ajbmeb-2891	105	34	literacy	literacy	NOUN
ajbmeb-2891	105	35	.	.	PUNCT
ajbmeb-2891	106	1	in	in	ADP
ajbmeb-2891	106	2	this	this	DET
ajbmeb-2891	106	3	regard	regard	NOUN
ajbmeb-2891	106	4	,	,	PUNCT
ajbmeb-2891	106	5	it	it	PRON
ajbmeb-2891	106	6	is	be	AUX
ajbmeb-2891	106	7	advisable	advisable	ADJ
ajbmeb-2891	106	8	to	to	PART
ajbmeb-2891	106	9	implement	implement	VERB
ajbmeb-2891	106	10	joint	joint	ADJ
ajbmeb-2891	106	11	projects	project	NOUN
ajbmeb-2891	106	12	between	between	ADP
ajbmeb-2891	106	13	the	the	DET
ajbmeb-2891	106	14	media	medium	NOUN
ajbmeb-2891	106	15	,	,	PUNCT
ajbmeb-2891	106	16	banks	bank	NOUN
ajbmeb-2891	106	17	and	and	CCONJ
ajbmeb-2891	106	18	educational	educational	ADJ
ajbmeb-2891	106	19	american	american	ADJ
ajbmeb-2891	106	20	journal	journal	PROPN
ajbmeb-2891	106	21	of	of	ADP
ajbmeb-2891	106	22	business	business	NOUN
ajbmeb-2891	106	23	management	management	NOUN
ajbmeb-2891	106	24	,	,	PUNCT
ajbmeb-2891	106	25	economics	economic	NOUN
ajbmeb-2891	106	26	and	and	CCONJ
ajbmeb-2891	106	27	banking	banking	NOUN
ajbmeb-2891	106	28	volume	volume	NOUN
ajbmeb-2891	106	29	35	35	NUM
ajbmeb-2891	106	30	april	april	PROPN
ajbmeb-2891	106	31	2025	2025	NUM
ajbmeb-2891	106	32	p	p	NOUN
ajbmeb-2891	106	33	a	a	DET
ajbmeb-2891	106	34	g	g	NOUN
ajbmeb-2891	106	35	e	e	NOUN
ajbmeb-2891	106	36	|	|	ADV
ajbmeb-2891	106	37	140	140	NUM
ajbmeb-2891	106	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2891	106	39	institutions	institution	NOUN
ajbmeb-2891	106	40	.	.	PUNCT
ajbmeb-2891	107	1	5	5	X
ajbmeb-2891	107	2	.	.	X
ajbmeb-2891	107	3	it	it	PRON
ajbmeb-2891	107	4	is	be	AUX
ajbmeb-2891	107	5	necessary	necessary	ADJ
ajbmeb-2891	107	6	to	to	PART
ajbmeb-2891	107	7	increase	increase	VERB
ajbmeb-2891	107	8	the	the	DET
ajbmeb-2891	107	9	efficiency	efficiency	NOUN
ajbmeb-2891	107	10	of	of	ADP
ajbmeb-2891	107	11	settlements	settlement	NOUN
ajbmeb-2891	107	12	by	by	ADP
ajbmeb-2891	107	13	diversifying	diversify	VERB
ajbmeb-2891	107	14	and	and	CCONJ
ajbmeb-2891	107	15	increasing	increase	VERB
ajbmeb-2891	107	16	the	the	DET
ajbmeb-2891	107	17	level	level	NOUN
ajbmeb-2891	107	18	of	of	ADP
ajbmeb-2891	107	19	automation	automation	NOUN
ajbmeb-2891	107	20	of	of	ADP
ajbmeb-2891	107	21	the	the	DET
ajbmeb-2891	107	22	interbank	interbank	NOUN
ajbmeb-2891	107	23	payment	payment	NOUN
ajbmeb-2891	107	24	system	system	NOUN
ajbmeb-2891	107	25	.	.	PUNCT
ajbmeb-2891	108	1	in	in	ADP
ajbmeb-2891	108	2	this	this	DET
ajbmeb-2891	108	3	regard	regard	NOUN
ajbmeb-2891	108	4	,	,	PUNCT
ajbmeb-2891	108	5	it	it	PRON
ajbmeb-2891	108	6	is	be	AUX
ajbmeb-2891	108	7	recommended	recommend	VERB
ajbmeb-2891	108	8	to	to	PART
ajbmeb-2891	108	9	widely	widely	ADV
ajbmeb-2891	108	10	introduce	introduce	VERB
ajbmeb-2891	108	11	automated	automated	ADJ
ajbmeb-2891	108	12	clearing	clearing	NOUN
ajbmeb-2891	108	13	systems	system	NOUN
ajbmeb-2891	108	14	,	,	PUNCT
ajbmeb-2891	108	15	real	real	ADJ
ajbmeb-2891	108	16	-	-	PUNCT
ajbmeb-2891	108	17	time	time	NOUN
ajbmeb-2891	108	18	payment	payment	NOUN
ajbmeb-2891	108	19	platforms	platform	NOUN
ajbmeb-2891	108	20	,	,	PUNCT
ajbmeb-2891	108	21	and	and	CCONJ
ajbmeb-2891	108	22	intelligent	intelligent	ADJ
ajbmeb-2891	108	23	monitoring	monitoring	NOUN
ajbmeb-2891	108	24	tools	tool	NOUN
ajbmeb-2891	108	25	.	.	PUNCT
ajbmeb-2891	109	1	references	reference	NOUN
ajbmeb-2891	109	2	1	1	NUM
ajbmeb-2891	109	3	.	.	PUNCT
ajbmeb-2891	109	4	european	european	PROPN
ajbmeb-2891	109	5	central	central	PROPN
ajbmeb-2891	109	6	bank	bank	PROPN
ajbmeb-2891	109	7	(	(	PUNCT
ajbmeb-2891	109	8	2023	2023	NUM
ajbmeb-2891	109	9	)	)	PUNCT
ajbmeb-2891	109	10	.	.	PUNCT
ajbmeb-2891	110	1	retail	retail	ADJ
ajbmeb-2891	110	2	payments	payment	NOUN
ajbmeb-2891	110	3	in	in	ADP
ajbmeb-2891	110	4	the	the	DET
ajbmeb-2891	110	5	eu	eu	PROPN
ajbmeb-2891	110	6	:	:	PUNCT
ajbmeb-2891	110	7	developments	development	NOUN
ajbmeb-2891	110	8	and	and	CCONJ
ajbmeb-2891	110	9	challenges	challenge	NOUN
ajbmeb-2891	110	10	.	.	PUNCT
ajbmeb-2891	111	1	www.ecb.europa.eu	www.ecb.europa.eu	NOUN
ajbmeb-2891	111	2	2	2	X
ajbmeb-2891	111	3	.	.	X
ajbmeb-2891	111	4	world	world	PROPN
ajbmeb-2891	111	5	bank	bank	PROPN
ajbmeb-2891	111	6	(	(	PUNCT
ajbmeb-2891	111	7	2022	2022	NUM
ajbmeb-2891	111	8	)	)	PUNCT
ajbmeb-2891	111	9	.	.	PUNCT
ajbmeb-2891	112	1	global	global	ADJ
ajbmeb-2891	112	2	findex	findex	PROPN
ajbmeb-2891	112	3	database	database	NOUN
ajbmeb-2891	112	4	2021	2021	NUM
ajbmeb-2891	112	5	:	:	PUNCT
ajbmeb-2891	112	6	financial	financial	ADJ
ajbmeb-2891	112	7	inclusion	inclusion	NOUN
ajbmeb-2891	112	8	,	,	PUNCT
ajbmeb-2891	112	9	digital	digital	ADJ
ajbmeb-2891	112	10	payments	payment	NOUN
ajbmeb-2891	112	11	,	,	PUNCT
ajbmeb-2891	112	12	and	and	CCONJ
ajbmeb-2891	112	13	resilience	resilience	NOUN
ajbmeb-2891	112	14	.	.	PUNCT
ajbmeb-2891	113	1	www.worldbank.org	www.worldbank.org	NOUN
ajbmeb-2891	113	2	3	3	X
ajbmeb-2891	113	3	.	.	PUNCT
ajbmeb-2891	113	4	resolution	resolution	NOUN
ajbmeb-2891	113	5	of	of	ADP
ajbmeb-2891	113	6	the	the	DET
ajbmeb-2891	113	7	president	president	NOUN
ajbmeb-2891	113	8	of	of	ADP
ajbmeb-2891	113	9	the	the	DET
ajbmeb-2891	113	10	republic	republic	NOUN
ajbmeb-2891	113	11	of	of	ADP
ajbmeb-2891	113	12	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	113	13	no	no	PROPN
ajbmeb-2891	113	14	.	.	PUNCT
ajbmeb-2891	114	1	pp-4848	pp-4848	NOUN
ajbmeb-2891	114	2	.	.	PUNCT
ajbmeb-2891	115	1	(	(	PUNCT
ajbmeb-2891	115	2	september	september	PROPN
ajbmeb-2891	115	3	23	23	NUM
ajbmeb-2891	115	4	,	,	PUNCT
ajbmeb-2891	115	5	2020	2020	NUM
ajbmeb-2891	115	6	)	)	PUNCT
ajbmeb-2891	115	7	.	.	PUNCT
ajbmeb-2891	116	1	on	on	ADP
ajbmeb-2891	116	2	measures	measure	NOUN
ajbmeb-2891	116	3	to	to	PART
ajbmeb-2891	116	4	digitize	digitize	VERB
ajbmeb-2891	116	5	financial	financial	ADJ
ajbmeb-2891	116	6	markets	market	NOUN
ajbmeb-2891	116	7	.	.	PUNCT
ajbmeb-2891	117	1	www.lex.uz	www.lex.uz	PRON
ajbmeb-2891	117	2	4	4	X
ajbmeb-2891	117	3	.	.	PUNCT
ajbmeb-2891	117	4	central	central	ADJ
ajbmeb-2891	117	5	bank	bank	PROPN
ajbmeb-2891	117	6	of	of	ADP
ajbmeb-2891	117	7	the	the	DET
ajbmeb-2891	117	8	republic	republic	NOUN
ajbmeb-2891	117	9	of	of	ADP
ajbmeb-2891	117	10	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	117	11	(	(	PUNCT
ajbmeb-2891	117	12	2023	2023	NUM
ajbmeb-2891	117	13	)	)	PUNCT
ajbmeb-2891	117	14	.	.	PUNCT
ajbmeb-2891	118	1	strategy	strategy	NOUN
ajbmeb-2891	118	2	for	for	ADP
ajbmeb-2891	118	3	the	the	DET
ajbmeb-2891	118	4	development	development	NOUN
ajbmeb-2891	118	5	of	of	ADP
ajbmeb-2891	118	6	the	the	DET
ajbmeb-2891	118	7	national	national	ADJ
ajbmeb-2891	118	8	payment	payment	NOUN
ajbmeb-2891	118	9	system	system	NOUN
ajbmeb-2891	118	10	for	for	ADP
ajbmeb-2891	118	11	2023–2025	2023–2025	NUM
ajbmeb-2891	118	12	.	.	PUNCT
ajbmeb-2891	119	1	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2891	119	2	5	5	NUM
ajbmeb-2891	119	3	.	.	PUNCT
ajbmeb-2891	120	1	mankiw	mankiw	PROPN
ajbmeb-2891	120	2	,	,	PUNCT
ajbmeb-2891	120	3	n.	n.	PROPN
ajbmeb-2891	120	4	g.	g.	PROPN
ajbmeb-2891	120	5	(	(	PUNCT
ajbmeb-2891	120	6	2020	2020	NUM
ajbmeb-2891	120	7	)	)	PUNCT
ajbmeb-2891	120	8	.	.	PUNCT
ajbmeb-2891	121	1	principles	principle	NOUN
ajbmeb-2891	121	2	of	of	ADP
ajbmeb-2891	121	3	economics	economic	NOUN
ajbmeb-2891	121	4	(	(	PUNCT
ajbmeb-2891	121	5	9th	9th	ADJ
ajbmeb-2891	121	6	ed	ed	NOUN
ajbmeb-2891	121	7	.	.	PUNCT
ajbmeb-2891	121	8	)	)	PUNCT
ajbmeb-2891	121	9	.	.	PUNCT
ajbmeb-2891	122	1	cengage	cengage	PROPN
ajbmeb-2891	122	2	learning	learning	PROPN
ajbmeb-2891	122	3	.	.	PUNCT
ajbmeb-2891	123	1	6	6	X
ajbmeb-2891	123	2	.	.	X
ajbmeb-2891	123	3	mishkin	mishkin	PROPN
ajbmeb-2891	123	4	,	,	PUNCT
ajbmeb-2891	123	5	f.	f.	PROPN
ajbmeb-2891	123	6	s.	s.	PROPN
ajbmeb-2891	123	7	(	(	PUNCT
ajbmeb-2891	123	8	2019	2019	NUM
ajbmeb-2891	123	9	)	)	PUNCT
ajbmeb-2891	123	10	.	.	PUNCT
ajbmeb-2891	124	1	the	the	DET
ajbmeb-2891	124	2	economics	economic	NOUN
ajbmeb-2891	124	3	of	of	ADP
ajbmeb-2891	124	4	money	money	NOUN
ajbmeb-2891	124	5	,	,	PUNCT
ajbmeb-2891	124	6	banking	banking	NOUN
ajbmeb-2891	124	7	,	,	PUNCT
ajbmeb-2891	124	8	and	and	CCONJ
ajbmeb-2891	124	9	financial	financial	ADJ
ajbmeb-2891	124	10	markets	market	NOUN
ajbmeb-2891	124	11	(	(	PUNCT
ajbmeb-2891	124	12	12th	12th	NOUN
ajbmeb-2891	124	13	ed	ed	NOUN
ajbmeb-2891	124	14	.	.	PUNCT
ajbmeb-2891	124	15	)	)	PUNCT
ajbmeb-2891	124	16	.	.	PUNCT
ajbmeb-2891	125	1	pearson	pearson	PROPN
ajbmeb-2891	125	2	education	education	PROPN
ajbmeb-2891	125	3	.	.	PUNCT
ajbmeb-2891	126	1	7	7	X
ajbmeb-2891	126	2	.	.	X
ajbmeb-2891	126	3	chakravorti	chakravorti	PROPN
ajbmeb-2891	126	4	,	,	PUNCT
ajbmeb-2891	126	5	a.	a.	NOUN
ajbmeb-2891	126	6	(	(	PUNCT
ajbmeb-2891	126	7	2003	2003	NUM
ajbmeb-2891	126	8	)	)	PUNCT
ajbmeb-2891	126	9	.	.	PUNCT
ajbmeb-2891	127	1	theory	theory	NOUN
ajbmeb-2891	127	2	of	of	ADP
ajbmeb-2891	127	3	credit	credit	NOUN
ajbmeb-2891	127	4	card	card	NOUN
ajbmeb-2891	127	5	networks	network	NOUN
ajbmeb-2891	127	6	:	:	PUNCT
ajbmeb-2891	127	7	a	a	DET
ajbmeb-2891	127	8	survey	survey	NOUN
ajbmeb-2891	127	9	of	of	ADP
ajbmeb-2891	127	10	the	the	DET
ajbmeb-2891	127	11	literature	literature	NOUN
ajbmeb-2891	127	12	.	.	PUNCT
ajbmeb-2891	128	1	review	review	NOUN
ajbmeb-2891	128	2	of	of	ADP
ajbmeb-2891	128	3	network	network	NOUN
ajbmeb-2891	128	4	economics	economic	NOUN
ajbmeb-2891	128	5	,	,	PUNCT
ajbmeb-2891	128	6	vol	vol	NOUN
ajbmeb-2891	128	7	.	.	PROPN
ajbmeb-2891	128	8	2(2	2(2	NUM
ajbmeb-2891	128	9	)	)	PUNCT
ajbmeb-2891	128	10	.	.	PUNCT
ajbmeb-2891	129	1	www.rnejournal.com	www.rnejournal.com	X
ajbmeb-2891	129	2	8	8	NUM
ajbmeb-2891	129	3	.	.	PUNCT
ajbmeb-2891	130	1	central	central	ADJ
ajbmeb-2891	130	2	bank	bank	PROPN
ajbmeb-2891	130	3	of	of	ADP
ajbmeb-2891	130	4	the	the	DET
ajbmeb-2891	130	5	republic	republic	NOUN
ajbmeb-2891	130	6	of	of	ADP
ajbmeb-2891	130	7	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	130	8	(	(	PUNCT
ajbmeb-2891	130	9	2024	2024	NUM
ajbmeb-2891	130	10	)	)	PUNCT
ajbmeb-2891	130	11	.	.	PUNCT
ajbmeb-2891	131	1	analytical	analytical	ADJ
ajbmeb-2891	131	2	data	datum	NOUN
ajbmeb-2891	131	3	on	on	ADP
ajbmeb-2891	131	4	payment	payment	NOUN
ajbmeb-2891	131	5	systems	system	NOUN
ajbmeb-2891	131	6	for	for	ADP
ajbmeb-2891	131	7	2023	2023	NUM
ajbmeb-2891	131	8	.	.	PUNCT
ajbmeb-2891	132	1	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2891	132	2	9	9	NUM
ajbmeb-2891	132	3	.	.	PUNCT
ajbmeb-2891	133	1	oecd	oecd	PROPN
ajbmeb-2891	133	2	(	(	PUNCT
ajbmeb-2891	133	3	2022	2022	NUM
ajbmeb-2891	133	4	)	)	PUNCT
ajbmeb-2891	133	5	.	.	PUNCT
ajbmeb-2891	134	1	digital	digital	ADJ
ajbmeb-2891	134	2	payment	payment	NOUN
ajbmeb-2891	134	3	systems	system	NOUN
ajbmeb-2891	134	4	and	and	CCONJ
ajbmeb-2891	134	5	financial	financial	ADJ
ajbmeb-2891	134	6	inclusion	inclusion	NOUN
ajbmeb-2891	134	7	:	:	PUNCT
ajbmeb-2891	134	8	regional	regional	ADJ
ajbmeb-2891	134	9	impacts	impact	NOUN
ajbmeb-2891	134	10	and	and	CCONJ
ajbmeb-2891	134	11	policy	policy	NOUN
ajbmeb-2891	134	12	responses	response	NOUN
ajbmeb-2891	134	13	.	.	PUNCT
ajbmeb-2891	135	1	www.oecd.org	www.oecd.org	NUM
ajbmeb-2891	135	2	10	10	NUM
ajbmeb-2891	135	3	.	.	PUNCT
ajbmeb-2891	136	1	goyal	goyal	PROPN
ajbmeb-2891	136	2	,	,	PUNCT
ajbmeb-2891	136	3	k.a	k.a	PROPN
ajbmeb-2891	136	4	.	.	PROPN
ajbmeb-2891	136	5	,	,	PUNCT
ajbmeb-2891	136	6	&	&	CCONJ
ajbmeb-2891	136	7	joshi	joshi	PROPN
ajbmeb-2891	136	8	,	,	PUNCT
ajbmeb-2891	136	9	v.	v.	PROPN
ajbmeb-2891	136	10	(	(	PUNCT
ajbmeb-2891	136	11	2012	2012	NUM
ajbmeb-2891	136	12	)	)	PUNCT
ajbmeb-2891	136	13	.	.	PUNCT
ajbmeb-2891	137	1	a	a	DET
ajbmeb-2891	137	2	study	study	NOUN
ajbmeb-2891	137	3	of	of	ADP
ajbmeb-2891	137	4	social	social	ADJ
ajbmeb-2891	137	5	and	and	CCONJ
ajbmeb-2891	137	6	ethical	ethical	ADJ
ajbmeb-2891	137	7	issues	issue	NOUN
ajbmeb-2891	137	8	in	in	ADP
ajbmeb-2891	137	9	banking	banking	NOUN
ajbmeb-2891	137	10	industry	industry	NOUN
ajbmeb-2891	137	11	.	.	PUNCT
ajbmeb-2891	138	1	international	international	ADJ
ajbmeb-2891	138	2	journal	journal	PROPN
ajbmeb-2891	138	3	of	of	ADP
ajbmeb-2891	138	4	economics	economic	NOUN
ajbmeb-2891	138	5	and	and	CCONJ
ajbmeb-2891	138	6	research	research	NOUN
ajbmeb-2891	138	7	,	,	PUNCT
ajbmeb-2891	138	8	3(2	3(2	NUM
ajbmeb-2891	138	9	)	)	PUNCT
ajbmeb-2891	138	10	,	,	PUNCT
ajbmeb-2891	138	11	49–57	49–57	NUM
ajbmeb-2891	138	12	.	.	PUNCT
ajbmeb-2891	138	13	www.ijeronline.com	www.ijeronline.com	X
ajbmeb-2891	138	14	11	11	NUM
ajbmeb-2891	138	15	.	.	PUNCT
ajbmeb-2891	139	1	батоврин	батоврин	VERB
ajbmeb-2891	139	2	,	,	PUNCT
ajbmeb-2891	139	3	а.в	а.в	PROPN
ajbmeb-2891	139	4	.	.	PUNCT
ajbmeb-2891	140	1	(	(	PUNCT
ajbmeb-2891	140	2	2010	2010	NUM
ajbmeb-2891	140	3	)	)	PUNCT
ajbmeb-2891	140	4	.	.	PUNCT
ajbmeb-2891	141	1	частный	частный	NOUN
ajbmeb-2891	141	2	банкинг	банкинг	PROPN
ajbmeb-2891	141	3	и	и	PROPN
ajbmeb-2891	141	4	управление	управление	PROPN
ajbmeb-2891	141	5	благосостоянием	благосостоянием	ADJ
ajbmeb-2891	141	6	клиентов	клиентов	NOUN
ajbmeb-2891	141	7	.	.	PUNCT
ajbmeb-2891	142	1	москва	москва	NOUN
ajbmeb-2891	142	2	:	:	PUNCT
ajbmeb-2891	142	3	дело	дело	ADJ
ajbmeb-2891	142	4	.	.	PUNCT
ajbmeb-2891	143	1	12	12	NUM
ajbmeb-2891	143	2	.	.	PUNCT
ajbmeb-2891	144	1	sharipov	sharipov	NOUN
ajbmeb-2891	144	2	,	,	PUNCT
ajbmeb-2891	144	3	f.s	f.s	PROPN
ajbmeb-2891	144	4	.	.	PROPN
ajbmeb-2891	144	5	(	(	PUNCT
ajbmeb-2891	144	6	2021	2021	NUM
ajbmeb-2891	144	7	)	)	PUNCT
ajbmeb-2891	144	8	.	.	PUNCT
ajbmeb-2891	145	1	priority	priority	NOUN
ajbmeb-2891	145	2	areas	area	NOUN
ajbmeb-2891	145	3	for	for	ADP
ajbmeb-2891	145	4	the	the	DET
ajbmeb-2891	145	5	development	development	NOUN
ajbmeb-2891	145	6	of	of	ADP
ajbmeb-2891	145	7	retail	retail	ADJ
ajbmeb-2891	145	8	banking	banking	NOUN
ajbmeb-2891	145	9	services	service	NOUN
ajbmeb-2891	145	10	in	in	ADP
ajbmeb-2891	145	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	145	12	.	.	PUNCT
ajbmeb-2891	146	1	finance	finance	NOUN
ajbmeb-2891	146	2	and	and	CCONJ
ajbmeb-2891	146	3	banking	banking	NOUN
ajbmeb-2891	146	4	,	,	PUNCT
ajbmeb-2891	146	5	no	no	INTJ
ajbmeb-2891	146	6	.	.	NOUN
ajbmeb-2891	146	7	1	1	NUM
ajbmeb-2891	146	8	,	,	PUNCT
ajbmeb-2891	146	9	45–52	45–52	NUM
ajbmeb-2891	146	10	.	.	PUNCT
ajbmeb-2891	146	11	www.journal.finbank.uz	www.journal.finbank.uz	PUNCT
ajbmeb-2891	146	12	13	13	NUM
ajbmeb-2891	146	13	.	.	PUNCT
ajbmeb-2891	146	14	rozikov	rozikov	NOUN
ajbmeb-2891	146	15	,	,	PUNCT
ajbmeb-2891	146	16	m.	m.	NOUN
ajbmeb-2891	146	17	,	,	PUNCT
ajbmeb-2891	146	18	&	&	CCONJ
ajbmeb-2891	146	19	ergashev	ergashev	PROPN
ajbmeb-2891	146	20	,	,	PUNCT
ajbmeb-2891	146	21	b.	b.	PROPN
ajbmeb-2891	146	22	(	(	PUNCT
ajbmeb-2891	146	23	2020	2020	NUM
ajbmeb-2891	146	24	)	)	PUNCT
ajbmeb-2891	146	25	.	.	PUNCT
ajbmeb-2891	147	1	ways	way	NOUN
ajbmeb-2891	147	2	to	to	PART
ajbmeb-2891	147	3	improve	improve	VERB
ajbmeb-2891	147	4	the	the	DET
ajbmeb-2891	147	5	efficiency	efficiency	NOUN
ajbmeb-2891	147	6	of	of	ADP
ajbmeb-2891	147	7	retail	retail	ADJ
ajbmeb-2891	147	8	services	service	NOUN
ajbmeb-2891	147	9	in	in	ADP
ajbmeb-2891	147	10	commercial	commercial	ADJ
ajbmeb-2891	147	11	banks	bank	NOUN
ajbmeb-2891	147	12	.	.	PUNCT
ajbmeb-2891	148	1	economics	economic	NOUN
ajbmeb-2891	148	2	and	and	CCONJ
ajbmeb-2891	148	3	innovative	innovative	ADJ
ajbmeb-2891	148	4	technologies	technology	NOUN
ajbmeb-2891	148	5	,	,	PUNCT
ajbmeb-2891	148	6	no	no	INTJ
ajbmeb-2891	148	7	.	.	NOUN
ajbmeb-2891	148	8	4	4	NUM
ajbmeb-2891	148	9	,	,	PUNCT
ajbmeb-2891	148	10	76–84	76–84	NOUN
ajbmeb-2891	148	11	.	.	PUNCT
ajbmeb-2891	149	1	www.iqtisodiyot.uz	www.iqtisodiyot.uz	VERB
ajbmeb-2891	149	2	14	14	NUM
ajbmeb-2891	149	3	.	.	PUNCT
ajbmeb-2891	150	1	molyneux	molyneux	PROPN
ajbmeb-2891	150	2	,	,	PUNCT
ajbmeb-2891	150	3	p.	p.	PROPN
ajbmeb-2891	150	4	,	,	PUNCT
ajbmeb-2891	150	5	&	&	CCONJ
ajbmeb-2891	150	6	wilson	wilson	PROPN
ajbmeb-2891	150	7	,	,	PUNCT
ajbmeb-2891	150	8	j.o.s	j.o.s	PROPN
ajbmeb-2891	150	9	.	.	PUNCT
ajbmeb-2891	150	10	(	(	PUNCT
ajbmeb-2891	150	11	2007	2007	NUM
ajbmeb-2891	150	12	)	)	PUNCT
ajbmeb-2891	150	13	.	.	PUNCT
ajbmeb-2891	151	1	retail	retail	ADJ
ajbmeb-2891	151	2	banking	banking	NOUN
ajbmeb-2891	151	3	.	.	PUNCT
ajbmeb-2891	152	1	cheltenham	cheltenham	PROPN
ajbmeb-2891	152	2	,	,	PUNCT
ajbmeb-2891	152	3	uk	uk	PROPN
ajbmeb-2891	152	4	:	:	PUNCT
ajbmeb-2891	152	5	edward	edward	PROPN
ajbmeb-2891	152	6	elgar	elgar	PROPN
ajbmeb-2891	152	7	publishing	publishing	PROPN
ajbmeb-2891	152	8	.	.	PUNCT
ajbmeb-2891	153	1	www.e-elgar.com	www.e-elgar.com	X
ajbmeb-2891	154	1	15	15	NUM
ajbmeb-2891	154	2	.	.	PUNCT
ajbmeb-2891	155	1	central	central	ADJ
ajbmeb-2891	155	2	bank	bank	PROPN
ajbmeb-2891	155	3	of	of	ADP
ajbmeb-2891	155	4	uzbekistan	uzbekistan	PROPN
ajbmeb-2891	155	5	.	.	PUNCT
ajbmeb-2891	156	1	(	(	PUNCT
ajbmeb-2891	156	2	2024	2024	NUM
ajbmeb-2891	156	3	)	)	PUNCT
ajbmeb-2891	156	4	.	.	PUNCT
ajbmeb-2891	157	1	annual	annual	ADJ
ajbmeb-2891	157	2	statistical	statistical	ADJ
ajbmeb-2891	157	3	bulletin	bulletin	NOUN
ajbmeb-2891	157	4	.	.	PUNCT
ajbmeb-2891	158	1	tashkent	tashkent	PROPN
ajbmeb-2891	158	2	.	.	PUNCT
ajbmeb-2891	159	1	retrieved	retrieve	VERB
ajbmeb-2891	159	2	from	from	ADP
ajbmeb-2891	159	3	:	:	PUNCT
ajbmeb-2891	159	4	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2891	159	5	http://www.ecb.europa.eu/	http://www.ecb.europa.eu/	PROPN
ajbmeb-2891	159	6	http://www.worldbank.org/	http://www.worldbank.org/	PRON
ajbmeb-2891	159	7	http://www.rnejournal.com/	http://www.rnejournal.com/	PROPN
ajbmeb-2891	159	8	http://www.oecd.org/	http://www.oecd.org/	PROPN
ajbmeb-2891	159	9	http://www.ijeronline.com/	http://www.ijeronline.com/	VERB
ajbmeb-2891	159	10	http://www.e-elgar.com/	http://www.e-elgar.com/	PROPN
ajbmeb-2891	159	11	http://www.cbu.uz/	http://www.cbu.uz/	ADV