id	sid	tid	token	lemma	pos
ajbmeb-294	1	1	american	american	PROPN
ajbmeb-294	1	2	journal	journal	PROPN
ajbmeb-294	1	3	of	of	ADP
ajbmeb-294	1	4	business	business	NOUN
ajbmeb-294	1	5	management	management	NOUN
ajbmeb-294	1	6	,	,	PUNCT
ajbmeb-294	1	7	economics	economic	NOUN
ajbmeb-294	1	8	and	and	CCONJ
ajbmeb-294	1	9	banking	banking	NOUN
ajbmeb-294	1	10	issn	issn	PROPN
ajbmeb-294	1	11	(	(	PUNCT
ajbmeb-294	1	12	e	e	NOUN
ajbmeb-294	1	13	):	):	PUNCT
ajbmeb-294	1	14	2832	2832	NUM
ajbmeb-294	1	15	-	-	SYM
ajbmeb-294	1	16	8078	8078	NUM
ajbmeb-294	1	17	volume	volume	NOUN
ajbmeb-294	1	18	8	8	NUM
ajbmeb-294	1	19	,	,	PUNCT
ajbmeb-294	1	20	|	|	ADV
ajbmeb-294	1	21	jan	jan	PROPN
ajbmeb-294	1	22	.	.	PROPN
ajbmeb-294	1	23	,	,	PUNCT
ajbmeb-294	1	24	2023	2023	NUM
ajbmeb-294	1	25	p	p	NOUN
ajbmeb-294	1	26	a	a	PRON
ajbmeb-294	1	27	g	g	NOUN
ajbmeb-294	1	28	e	e	NOUN
ajbmeb-294	1	29	|	|	ADV
ajbmeb-294	1	30	18	18	NUM
ajbmeb-294	1	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	1	32	the	the	DET
ajbmeb-294	1	33	role	role	NOUN
ajbmeb-294	1	34	of	of	ADP
ajbmeb-294	1	35	the	the	DET
ajbmeb-294	1	36	dimensions	dimension	NOUN
ajbmeb-294	1	37	of	of	ADP
ajbmeb-294	1	38	the	the	DET
ajbmeb-294	1	39	target	target	NOUN
ajbmeb-294	1	40	cost	cost	NOUN
ajbmeb-294	1	41	approach	approach	NOUN
ajbmeb-294	1	42	in	in	ADP
ajbmeb-294	1	43	pricing	pricing	NOUN
ajbmeb-294	1	44	banking	banking	NOUN
ajbmeb-294	1	45	services	service	NOUN
ajbmeb-294	1	46	for	for	ADP
ajbmeb-294	1	47	commercial	commercial	ADJ
ajbmeb-294	1	48	banks	bank	NOUN
ajbmeb-294	1	49	to	to	PART
ajbmeb-294	1	50	achieve	achieve	VERB
ajbmeb-294	1	51	a	a	DET
ajbmeb-294	1	52	sustainable	sustainable	ADJ
ajbmeb-294	1	53	competitive	competitive	ADJ
ajbmeb-294	1	54	advantage	advantage	NOUN
ajbmeb-294	1	55	raheem	raheem	NOUN
ajbmeb-294	1	56	abed	abe	VERB
ajbmeb-294	1	57	mohammed	mohammed	PROPN
ajbmeb-294	1	58	karbala	karbala	PROPN
ajbmeb-294	1	59	technical	technical	PROPN
ajbmeb-294	1	60	institute	institute	PROPN
ajbmeb-294	1	61	,	,	PUNCT
ajbmeb-294	1	62	al	al	PROPN
ajbmeb-294	1	63	-	-	PUNCT
ajbmeb-294	1	64	furat	furat	PROPN
ajbmeb-294	1	65	al	al	PROPN
ajbmeb-294	1	66	-	-	PUNCT
ajbmeb-294	1	67	awsat	awsat	VERB
ajbmeb-294	1	68	technical	technical	ADJ
ajbmeb-294	1	69	university	university	NOUN
ajbmeb-294	1	70	.	.	PUNCT
ajbmeb-294	2	1	karbala	karbala	PROPN
ajbmeb-294	2	2	,	,	PUNCT
ajbmeb-294	2	3	iraq	iraq	PROPN
ajbmeb-294	2	4	.	.	PUNCT
ajbmeb-294	3	1	inkr.rhm@atu.edu.iq	inkr.rhm@atu.edu.iq	ADP
ajbmeb-294	3	2	a	a	DET
ajbmeb-294	3	3	b	b	PROPN
ajbmeb-294	3	4	s	s	ADP
ajbmeb-294	3	5	t	t	PROPN
ajbmeb-294	3	6	r	r	NOUN
ajbmeb-294	3	7	a	a	DET
ajbmeb-294	3	8	c	c	NOUN
ajbmeb-294	3	9	t	t	NOUN
ajbmeb-294	3	10	k	k	X
ajbmeb-294	3	11	e	e	PROPN
ajbmeb-294	3	12	y	y	PROPN
ajbmeb-294	3	13	w	w	NOUN
ajbmeb-294	3	14	o	o	NOUN
ajbmeb-294	3	15	r	r	NOUN
ajbmeb-294	3	16	d	d	X
ajbmeb-294	3	17	s	s	VERB
ajbmeb-294	3	18	the	the	DET
ajbmeb-294	3	19	aim	aim	NOUN
ajbmeb-294	3	20	of	of	ADP
ajbmeb-294	3	21	the	the	DET
ajbmeb-294	3	22	study	study	NOUN
ajbmeb-294	3	23	is	be	AUX
ajbmeb-294	3	24	to	to	PART
ajbmeb-294	3	25	determine	determine	VERB
ajbmeb-294	3	26	how	how	SCONJ
ajbmeb-294	3	27	the	the	DET
ajbmeb-294	3	28	use	use	NOUN
ajbmeb-294	3	29	of	of	ADP
ajbmeb-294	3	30	the	the	DET
ajbmeb-294	3	31	target	target	NOUN
ajbmeb-294	3	32	cost	cost	NOUN
ajbmeb-294	3	33	method	method	NOUN
ajbmeb-294	3	34	for	for	SCONJ
ajbmeb-294	3	35	pricing	pricing	NOUN
ajbmeb-294	3	36	banking	banking	NOUN
ajbmeb-294	3	37	services	service	NOUN
ajbmeb-294	3	38	affects	affect	VERB
ajbmeb-294	3	39	the	the	DET
ajbmeb-294	3	40	ability	ability	NOUN
ajbmeb-294	3	41	to	to	PART
ajbmeb-294	3	42	maintain	maintain	VERB
ajbmeb-294	3	43	a	a	DET
ajbmeb-294	3	44	sustainable	sustainable	ADJ
ajbmeb-294	3	45	competitive	competitive	ADJ
ajbmeb-294	3	46	advantage	advantage	NOUN
ajbmeb-294	3	47	.	.	PUNCT
ajbmeb-294	4	1	while	while	SCONJ
ajbmeb-294	4	2	the	the	DET
ajbmeb-294	4	3	study	study	NOUN
ajbmeb-294	4	4	focused	focus	VERB
ajbmeb-294	4	5	on	on	ADP
ajbmeb-294	4	6	finding	find	VERB
ajbmeb-294	4	7	a	a	DET
ajbmeb-294	4	8	solution	solution	NOUN
ajbmeb-294	4	9	to	to	ADP
ajbmeb-294	4	10	the	the	DET
ajbmeb-294	4	11	issue	issue	NOUN
ajbmeb-294	4	12	of	of	ADP
ajbmeb-294	4	13	the	the	DET
ajbmeb-294	4	14	multiplicity	multiplicity	NOUN
ajbmeb-294	4	15	and	and	CCONJ
ajbmeb-294	4	16	diversity	diversity	NOUN
ajbmeb-294	4	17	of	of	ADP
ajbmeb-294	4	18	these	these	DET
ajbmeb-294	4	19	services	service	NOUN
ajbmeb-294	4	20	provided	provide	VERB
ajbmeb-294	4	21	to	to	ADP
ajbmeb-294	4	22	customers	customer	NOUN
ajbmeb-294	4	23	,	,	PUNCT
ajbmeb-294	4	24	as	as	ADV
ajbmeb-294	4	25	well	well	ADV
ajbmeb-294	4	26	as	as	ADP
ajbmeb-294	4	27	increasing	increase	VERB
ajbmeb-294	4	28	the	the	DET
ajbmeb-294	4	29	use	use	NOUN
ajbmeb-294	4	30	of	of	ADP
ajbmeb-294	4	31	technology	technology	NOUN
ajbmeb-294	4	32	through	through	ADP
ajbmeb-294	4	33	which	which	PRON
ajbmeb-294	4	34	services	service	NOUN
ajbmeb-294	4	35	are	be	AUX
ajbmeb-294	4	36	provided	provide	VERB
ajbmeb-294	4	37	,	,	PUNCT
ajbmeb-294	4	38	which	which	PRON
ajbmeb-294	4	39	exposes	expose	VERB
ajbmeb-294	4	40	commercial	commercial	ADJ
ajbmeb-294	4	41	banks	bank	NOUN
ajbmeb-294	4	42	to	to	ADP
ajbmeb-294	4	43	high	high	ADJ
ajbmeb-294	4	44	competition	competition	NOUN
ajbmeb-294	4	45	in	in	ADP
ajbmeb-294	4	46	the	the	DET
ajbmeb-294	4	47	banking	banking	NOUN
ajbmeb-294	4	48	services	service	NOUN
ajbmeb-294	4	49	market	market	NOUN
ajbmeb-294	4	50	.	.	PUNCT
ajbmeb-294	5	1	to	to	PART
ajbmeb-294	5	2	achieve	achieve	VERB
ajbmeb-294	5	3	the	the	DET
ajbmeb-294	5	4	objectives	objective	NOUN
ajbmeb-294	5	5	of	of	ADP
ajbmeb-294	5	6	the	the	DET
ajbmeb-294	5	7	study	study	NOUN
ajbmeb-294	5	8	,	,	PUNCT
ajbmeb-294	5	9	a	a	DET
ajbmeb-294	5	10	questionnaire	questionnaire	NOUN
ajbmeb-294	5	11	consisting	consist	VERB
ajbmeb-294	5	12	of	of	ADP
ajbmeb-294	5	13	several	several	ADJ
ajbmeb-294	5	14	paragraphs	paragraph	NOUN
ajbmeb-294	5	15	was	be	AUX
ajbmeb-294	5	16	designed	design	VERB
ajbmeb-294	5	17	,	,	PUNCT
ajbmeb-294	5	18	addressed	address	VERB
ajbmeb-294	5	19	to	to	ADP
ajbmeb-294	5	20	a	a	DET
ajbmeb-294	5	21	group	group	NOUN
ajbmeb-294	5	22	of	of	ADP
ajbmeb-294	5	23	(	(	PUNCT
ajbmeb-294	5	24	80	80	NUM
ajbmeb-294	5	25	)	)	PUNCT
ajbmeb-294	5	26	clients	client	NOUN
ajbmeb-294	5	27	dealing	deal	VERB
ajbmeb-294	5	28	in	in	ADP
ajbmeb-294	5	29	the	the	DET
ajbmeb-294	5	30	banking	banking	NOUN
ajbmeb-294	5	31	sector	sector	NOUN
ajbmeb-294	5	32	.	.	PUNCT
ajbmeb-294	6	1	as	as	ADP
ajbmeb-294	6	2	for	for	ADP
ajbmeb-294	6	3	the	the	DET
ajbmeb-294	6	4	study	study	NOUN
ajbmeb-294	6	5	sample	sample	NOUN
ajbmeb-294	6	6	,	,	PUNCT
ajbmeb-294	6	7	(	(	PUNCT
ajbmeb-294	6	8	10	10	NUM
ajbmeb-294	6	9	)	)	PUNCT
ajbmeb-294	6	10	commercial	commercial	ADJ
ajbmeb-294	6	11	banks	bank	NOUN
ajbmeb-294	6	12	operating	operate	VERB
ajbmeb-294	6	13	in	in	ADP
ajbmeb-294	6	14	this	this	DET
ajbmeb-294	6	15	financial	financial	ADJ
ajbmeb-294	6	16	sector	sector	NOUN
ajbmeb-294	6	17	were	be	AUX
ajbmeb-294	6	18	selected	select	VERB
ajbmeb-294	6	19	,	,	PUNCT
ajbmeb-294	6	20	and	and	CCONJ
ajbmeb-294	6	21	many	many	ADJ
ajbmeb-294	6	22	statistical	statistical	ADJ
ajbmeb-294	6	23	methods	method	NOUN
ajbmeb-294	6	24	were	be	AUX
ajbmeb-294	6	25	used	use	VERB
ajbmeb-294	6	26	to	to	PART
ajbmeb-294	6	27	achieve	achieve	VERB
ajbmeb-294	6	28	the	the	DET
ajbmeb-294	6	29	objectives	objective	NOUN
ajbmeb-294	6	30	of	of	ADP
ajbmeb-294	6	31	the	the	DET
ajbmeb-294	6	32	study	study	NOUN
ajbmeb-294	6	33	.	.	PUNCT
ajbmeb-294	7	1	after	after	ADP
ajbmeb-294	7	2	conducting	conduct	VERB
ajbmeb-294	7	3	the	the	DET
ajbmeb-294	7	4	study	study	NOUN
ajbmeb-294	7	5	analysis	analysis	NOUN
ajbmeb-294	7	6	process	process	NOUN
ajbmeb-294	7	7	and	and	CCONJ
ajbmeb-294	7	8	its	its	PRON
ajbmeb-294	7	9	hypotheses	hypothesis	NOUN
ajbmeb-294	7	10	,	,	PUNCT
ajbmeb-294	7	11	the	the	DET
ajbmeb-294	7	12	study	study	NOUN
ajbmeb-294	7	13	reached	reach	VERB
ajbmeb-294	7	14	a	a	DET
ajbmeb-294	7	15	number	number	NOUN
ajbmeb-294	7	16	of	of	ADP
ajbmeb-294	7	17	results	result	NOUN
ajbmeb-294	7	18	,	,	PUNCT
ajbmeb-294	7	19	the	the	DET
ajbmeb-294	7	20	most	most	ADV
ajbmeb-294	7	21	important	important	ADJ
ajbmeb-294	7	22	of	of	ADP
ajbmeb-294	7	23	which	which	PRON
ajbmeb-294	7	24	is	be	AUX
ajbmeb-294	7	25	that	that	SCONJ
ajbmeb-294	7	26	most	most	ADJ
ajbmeb-294	7	27	commercial	commercial	ADJ
ajbmeb-294	7	28	banks	bank	NOUN
ajbmeb-294	7	29	apply	apply	VERB
ajbmeb-294	7	30	the	the	DET
ajbmeb-294	7	31	target	target	NOUN
ajbmeb-294	7	32	cost	cost	NOUN
ajbmeb-294	7	33	method	method	NOUN
ajbmeb-294	7	34	.	.	PUNCT
ajbmeb-294	8	1	there	there	PRON
ajbmeb-294	8	2	is	be	VERB
ajbmeb-294	8	3	a	a	DET
ajbmeb-294	8	4	need	need	NOUN
ajbmeb-294	8	5	to	to	PART
ajbmeb-294	8	6	adopt	adopt	VERB
ajbmeb-294	8	7	the	the	DET
ajbmeb-294	8	8	target	target	NOUN
ajbmeb-294	8	9	cost	cost	NOUN
ajbmeb-294	8	10	approach	approach	NOUN
ajbmeb-294	8	11	in	in	ADP
ajbmeb-294	8	12	pricing	pricing	NOUN
ajbmeb-294	8	13	in	in	ADP
ajbmeb-294	8	14	order	order	NOUN
ajbmeb-294	8	15	to	to	PART
ajbmeb-294	8	16	ensure	ensure	VERB
ajbmeb-294	8	17	the	the	DET
ajbmeb-294	8	18	survival	survival	NOUN
ajbmeb-294	8	19	and	and	CCONJ
ajbmeb-294	8	20	continuity	continuity	NOUN
ajbmeb-294	8	21	of	of	ADP
ajbmeb-294	8	22	the	the	DET
ajbmeb-294	8	23	sustainable	sustainable	ADJ
ajbmeb-294	8	24	competitive	competitive	ADJ
ajbmeb-294	8	25	advantage	advantage	NOUN
ajbmeb-294	8	26	,	,	PUNCT
ajbmeb-294	8	27	as	as	SCONJ
ajbmeb-294	8	28	all	all	PRON
ajbmeb-294	8	29	of	of	ADP
ajbmeb-294	8	30	the	the	DET
ajbmeb-294	8	31	paragraphs	paragraph	NOUN
ajbmeb-294	8	32	that	that	PRON
ajbmeb-294	8	33	measure	measure	VERB
ajbmeb-294	8	34	the	the	DET
ajbmeb-294	8	35	competitive	competitive	ADJ
ajbmeb-294	8	36	advantage	advantage	NOUN
ajbmeb-294	8	37	in	in	ADP
ajbmeb-294	8	38	commercial	commercial	ADJ
ajbmeb-294	8	39	banks	bank	NOUN
ajbmeb-294	8	40	obtained	obtain	VERB
ajbmeb-294	8	41	high	high	ADJ
ajbmeb-294	8	42	averages	average	NOUN
ajbmeb-294	8	43	.	.	PUNCT
ajbmeb-294	9	1	this	this	PRON
ajbmeb-294	9	2	is	be	AUX
ajbmeb-294	9	3	an	an	DET
ajbmeb-294	9	4	indication	indication	NOUN
ajbmeb-294	9	5	that	that	SCONJ
ajbmeb-294	9	6	the	the	DET
ajbmeb-294	9	7	pricing	pricing	NOUN
ajbmeb-294	9	8	of	of	ADP
ajbmeb-294	9	9	services	service	NOUN
ajbmeb-294	9	10	in	in	ADP
ajbmeb-294	9	11	these	these	DET
ajbmeb-294	9	12	commercial	commercial	ADJ
ajbmeb-294	9	13	banks	bank	NOUN
ajbmeb-294	9	14	is	be	AUX
ajbmeb-294	9	15	done	do	VERB
ajbmeb-294	9	16	through	through	ADP
ajbmeb-294	9	17	the	the	DET
ajbmeb-294	9	18	target	target	NOUN
ajbmeb-294	9	19	cost	cost	NOUN
ajbmeb-294	9	20	method	method	NOUN
ajbmeb-294	9	21	,	,	PUNCT
ajbmeb-294	9	22	in	in	ADP
ajbmeb-294	9	23	addition	addition	NOUN
ajbmeb-294	9	24	to	to	ADP
ajbmeb-294	9	25	the	the	DET
ajbmeb-294	9	26	development	development	NOUN
ajbmeb-294	9	27	of	of	ADP
ajbmeb-294	9	28	cost	cost	NOUN
ajbmeb-294	9	29	systems	system	NOUN
ajbmeb-294	9	30	that	that	PRON
ajbmeb-294	9	31	effectively	effectively	ADV
ajbmeb-294	9	32	contribute	contribute	VERB
ajbmeb-294	9	33	to	to	ADP
ajbmeb-294	9	34	the	the	DET
ajbmeb-294	9	35	decision	decision	NOUN
ajbmeb-294	9	36	-	-	PUNCT
ajbmeb-294	9	37	making	make	VERB
ajbmeb-294	9	38	process	process	NOUN
ajbmeb-294	9	39	.	.	PUNCT
ajbmeb-294	10	1	the	the	DET
ajbmeb-294	10	2	study	study	NOUN
ajbmeb-294	10	3	reached	reach	VERB
ajbmeb-294	10	4	a	a	DET
ajbmeb-294	10	5	number	number	NOUN
ajbmeb-294	10	6	of	of	ADP
ajbmeb-294	10	7	recommendations	recommendation	NOUN
ajbmeb-294	10	8	,	,	PUNCT
ajbmeb-294	10	9	the	the	DET
ajbmeb-294	10	10	most	most	ADV
ajbmeb-294	10	11	important	important	ADJ
ajbmeb-294	10	12	of	of	ADP
ajbmeb-294	10	13	which	which	PRON
ajbmeb-294	10	14	is	be	AUX
ajbmeb-294	10	15	the	the	DET
ajbmeb-294	10	16	need	need	NOUN
ajbmeb-294	10	17	for	for	SCONJ
ajbmeb-294	10	18	commercial	commercial	ADJ
ajbmeb-294	10	19	banks	bank	NOUN
ajbmeb-294	10	20	to	to	PART
ajbmeb-294	10	21	expand	expand	VERB
ajbmeb-294	10	22	the	the	DET
ajbmeb-294	10	23	application	application	NOUN
ajbmeb-294	10	24	of	of	ADP
ajbmeb-294	10	25	the	the	DET
ajbmeb-294	10	26	target	target	NOUN
ajbmeb-294	10	27	cost	cost	NOUN
ajbmeb-294	10	28	approach	approach	NOUN
ajbmeb-294	10	29	to	to	PART
ajbmeb-294	10	30	achieve	achieve	VERB
ajbmeb-294	10	31	benefits	benefit	NOUN
ajbmeb-294	10	32	,	,	PUNCT
ajbmeb-294	10	33	benefits	benefit	NOUN
ajbmeb-294	10	34	and	and	CCONJ
ajbmeb-294	10	35	competitiveness	competitiveness	NOUN
ajbmeb-294	10	36	in	in	ADP
ajbmeb-294	10	37	light	light	NOUN
ajbmeb-294	10	38	of	of	ADP
ajbmeb-294	10	39	global	global	ADJ
ajbmeb-294	10	40	economic	economic	ADJ
ajbmeb-294	10	41	and	and	CCONJ
ajbmeb-294	10	42	technological	technological	ADJ
ajbmeb-294	10	43	developments	development	NOUN
ajbmeb-294	10	44	,	,	PUNCT
ajbmeb-294	10	45	as	as	ADV
ajbmeb-294	10	46	well	well	ADV
ajbmeb-294	10	47	as	as	ADP
ajbmeb-294	10	48	working	work	VERB
ajbmeb-294	10	49	to	to	PART
ajbmeb-294	10	50	educate	educate	VERB
ajbmeb-294	10	51	banks	bank	NOUN
ajbmeb-294	10	52	about	about	ADP
ajbmeb-294	10	53	the	the	DET
ajbmeb-294	10	54	importance	importance	NOUN
ajbmeb-294	10	55	of	of	ADP
ajbmeb-294	10	56	this	this	DET
ajbmeb-294	10	57	approach	approach	NOUN
ajbmeb-294	10	58	and	and	CCONJ
ajbmeb-294	10	59	its	its	PRON
ajbmeb-294	10	60	advantages	advantage	NOUN
ajbmeb-294	10	61	through	through	ADP
ajbmeb-294	10	62	holding	hold	VERB
ajbmeb-294	10	63	seminars	seminar	NOUN
ajbmeb-294	10	64	and	and	CCONJ
ajbmeb-294	10	65	training	training	NOUN
ajbmeb-294	10	66	courses	course	NOUN
ajbmeb-294	10	67	by	by	ADP
ajbmeb-294	10	68	the	the	DET
ajbmeb-294	10	69	central	central	ADJ
ajbmeb-294	10	70	bank	bank	NOUN
ajbmeb-294	10	71	.	.	PUNCT
ajbmeb-294	11	1	aware	aware	ADJ
ajbmeb-294	11	2	of	of	ADP
ajbmeb-294	11	3	the	the	DET
ajbmeb-294	11	4	importance	importance	NOUN
ajbmeb-294	11	5	of	of	ADP
ajbmeb-294	11	6	using	use	VERB
ajbmeb-294	11	7	target	target	NOUN
ajbmeb-294	11	8	costing	cost	VERB
ajbmeb-294	11	9	in	in	ADP
ajbmeb-294	11	10	this	this	DET
ajbmeb-294	11	11	field	field	NOUN
ajbmeb-294	11	12	,	,	PUNCT
ajbmeb-294	11	13	the	the	DET
ajbmeb-294	11	14	study	study	NOUN
ajbmeb-294	11	15	also	also	ADV
ajbmeb-294	11	16	target	target	VERB
ajbmeb-294	11	17	costing	costing	NOUN
ajbmeb-294	11	18	,	,	PUNCT
ajbmeb-294	11	19	pricing	pricing	NOUN
ajbmeb-294	11	20	of	of	ADP
ajbmeb-294	11	21	banking	banking	NOUN
ajbmeb-294	11	22	services	service	NOUN
ajbmeb-294	11	23	,	,	PUNCT
ajbmeb-294	11	24	sustainable	sustainable	ADJ
ajbmeb-294	11	25	,	,	PUNCT
ajbmeb-294	11	26	competitive	competitive	ADJ
ajbmeb-294	11	27	,	,	PUNCT
ajbmeb-294	11	28	advantage	advantage	NOUN
ajbmeb-294	11	29	.	.	PUNCT
ajbmeb-294	12	1	mailto:inkr.rhm@atu.edu.iq	mailto:inkr.rhm@atu.edu.iq	ADJ
ajbmeb-294	12	2	american	american	PROPN
ajbmeb-294	12	3	journal	journal	PROPN
ajbmeb-294	12	4	of	of	ADP
ajbmeb-294	12	5	business	business	NOUN
ajbmeb-294	12	6	management	management	NOUN
ajbmeb-294	12	7	,	,	PUNCT
ajbmeb-294	12	8	economics	economic	NOUN
ajbmeb-294	12	9	and	and	CCONJ
ajbmeb-294	12	10	banking	banking	NOUN
ajbmeb-294	12	11	volume	volume	NOUN
ajbmeb-294	12	12	8	8	NUM
ajbmeb-294	12	13	,	,	PUNCT
ajbmeb-294	12	14	jan	jan	PROPN
ajbmeb-294	12	15	.	.	PROPN
ajbmeb-294	12	16	,	,	PUNCT
ajbmeb-294	12	17	2023	2023	NUM
ajbmeb-294	12	18	p	p	NOUN
ajbmeb-294	12	19	a	a	PRON
ajbmeb-294	12	20	g	g	NOUN
ajbmeb-294	12	21	e	e	NOUN
ajbmeb-294	12	22	|	|	ADV
ajbmeb-294	12	23	19	19	NUM
ajbmeb-294	12	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	12	25	recommended	recommend	VERB
ajbmeb-294	12	26	that	that	SCONJ
ajbmeb-294	12	27	commercial	commercial	ADJ
ajbmeb-294	12	28	banks	bank	NOUN
ajbmeb-294	12	29	increase	increase	VERB
ajbmeb-294	12	30	the	the	DET
ajbmeb-294	12	31	use	use	NOUN
ajbmeb-294	12	32	of	of	ADP
ajbmeb-294	12	33	the	the	DET
ajbmeb-294	12	34	target	target	NOUN
ajbmeb-294	12	35	costing	cost	VERB
ajbmeb-294	12	36	approach	approach	NOUN
ajbmeb-294	12	37	to	to	PART
ajbmeb-294	12	38	achieve	achieve	VERB
ajbmeb-294	12	39	the	the	DET
ajbmeb-294	12	40	advantage	advantage	NOUN
ajbmeb-294	12	41	of	of	ADP
ajbmeb-294	12	42	sustainable	sustainable	ADJ
ajbmeb-294	12	43	competition	competition	NOUN
ajbmeb-294	12	44	.	.	PUNCT
ajbmeb-294	13	1	introduction	introduction	NOUN
ajbmeb-294	13	2	:	:	PUNCT
ajbmeb-294	13	3	the	the	DET
ajbmeb-294	13	4	banking	banking	NOUN
ajbmeb-294	13	5	services	service	NOUN
ajbmeb-294	13	6	industry	industry	NOUN
ajbmeb-294	13	7	is	be	AUX
ajbmeb-294	13	8	characterized	characterize	VERB
ajbmeb-294	13	9	by	by	ADP
ajbmeb-294	13	10	its	its	PRON
ajbmeb-294	13	11	wide	wide	ADJ
ajbmeb-294	13	12	variety	variety	NOUN
ajbmeb-294	13	13	and	and	CCONJ
ajbmeb-294	13	14	expansion	expansion	NOUN
ajbmeb-294	13	15	to	to	PART
ajbmeb-294	13	16	touch	touch	VERB
ajbmeb-294	13	17	the	the	DET
ajbmeb-294	13	18	daily	daily	ADJ
ajbmeb-294	13	19	life	life	NOUN
ajbmeb-294	13	20	facilities	facility	NOUN
ajbmeb-294	13	21	of	of	ADP
ajbmeb-294	13	22	contemporary	contemporary	ADJ
ajbmeb-294	13	23	societies	society	NOUN
ajbmeb-294	13	24	,	,	PUNCT
ajbmeb-294	13	25	especially	especially	ADV
ajbmeb-294	13	26	after	after	ADP
ajbmeb-294	13	27	the	the	DET
ajbmeb-294	13	28	emergence	emergence	NOUN
ajbmeb-294	13	29	of	of	ADP
ajbmeb-294	13	30	new	new	ADJ
ajbmeb-294	13	31	banking	banking	NOUN
ajbmeb-294	13	32	services	service	NOUN
ajbmeb-294	13	33	that	that	PRON
ajbmeb-294	13	34	differ	differ	VERB
ajbmeb-294	13	35	from	from	ADP
ajbmeb-294	13	36	the	the	DET
ajbmeb-294	13	37	traditional	traditional	ADJ
ajbmeb-294	13	38	services	service	NOUN
ajbmeb-294	13	39	that	that	PRON
ajbmeb-294	13	40	prevailed	prevail	VERB
ajbmeb-294	13	41	in	in	ADP
ajbmeb-294	13	42	previous	previous	ADJ
ajbmeb-294	13	43	periods	period	NOUN
ajbmeb-294	13	44	.	.	PUNCT
ajbmeb-294	14	1	in	in	ADP
ajbmeb-294	14	2	addition	addition	NOUN
ajbmeb-294	14	3	to	to	ADP
ajbmeb-294	14	4	the	the	DET
ajbmeb-294	14	5	advanced	advanced	ADJ
ajbmeb-294	14	6	information	information	NOUN
ajbmeb-294	14	7	systems	system	NOUN
ajbmeb-294	14	8	that	that	PRON
ajbmeb-294	14	9	are	be	AUX
ajbmeb-294	14	10	used	use	VERB
ajbmeb-294	14	11	,	,	PUNCT
ajbmeb-294	14	12	which	which	PRON
ajbmeb-294	14	13	led	lead	VERB
ajbmeb-294	14	14	to	to	ADP
ajbmeb-294	14	15	the	the	DET
ajbmeb-294	14	16	racing	racing	NOUN
ajbmeb-294	14	17	of	of	ADP
ajbmeb-294	14	18	these	these	DET
ajbmeb-294	14	19	banks	bank	NOUN
ajbmeb-294	14	20	in	in	ADP
ajbmeb-294	14	21	their	their	PRON
ajbmeb-294	14	22	reliance	reliance	NOUN
ajbmeb-294	14	23	on	on	ADP
ajbmeb-294	14	24	these	these	DET
ajbmeb-294	14	25	methods	method	NOUN
ajbmeb-294	14	26	with	with	ADP
ajbmeb-294	14	27	the	the	DET
ajbmeb-294	14	28	aim	aim	NOUN
ajbmeb-294	14	29	of	of	ADP
ajbmeb-294	14	30	facilitating	facilitate	VERB
ajbmeb-294	14	31	the	the	DET
ajbmeb-294	14	32	implementation	implementation	NOUN
ajbmeb-294	14	33	of	of	ADP
ajbmeb-294	14	34	their	their	PRON
ajbmeb-294	14	35	banking	banking	NOUN
ajbmeb-294	14	36	activities	activity	NOUN
ajbmeb-294	14	37	and	and	CCONJ
ajbmeb-294	14	38	satisfying	satisfy	VERB
ajbmeb-294	14	39	customers	customer	NOUN
ajbmeb-294	14	40	.	.	PUNCT
ajbmeb-294	15	1	the	the	DET
ajbmeb-294	15	2	policy	policy	NOUN
ajbmeb-294	15	3	of	of	ADP
ajbmeb-294	15	4	setting	set	VERB
ajbmeb-294	15	5	the	the	DET
ajbmeb-294	15	6	price	price	NOUN
ajbmeb-294	15	7	for	for	ADP
ajbmeb-294	15	8	banking	banking	NOUN
ajbmeb-294	15	9	services	service	NOUN
ajbmeb-294	15	10	is	be	AUX
ajbmeb-294	15	11	a	a	DET
ajbmeb-294	15	12	difficult	difficult	ADJ
ajbmeb-294	15	13	and	and	CCONJ
ajbmeb-294	15	14	complex	complex	ADJ
ajbmeb-294	15	15	process	process	NOUN
ajbmeb-294	15	16	.	.	PUNCT
ajbmeb-294	16	1	therefore	therefore	ADV
ajbmeb-294	16	2	,	,	PUNCT
ajbmeb-294	16	3	setting	set	VERB
ajbmeb-294	16	4	the	the	DET
ajbmeb-294	16	5	price	price	NOUN
ajbmeb-294	16	6	must	must	AUX
ajbmeb-294	16	7	be	be	AUX
ajbmeb-294	16	8	carried	carry	VERB
ajbmeb-294	16	9	out	out	ADP
ajbmeb-294	16	10	according	accord	VERB
ajbmeb-294	16	11	to	to	ADP
ajbmeb-294	16	12	well	well	ADV
ajbmeb-294	16	13	-	-	PUNCT
ajbmeb-294	16	14	thought	think	VERB
ajbmeb-294	16	15	-	-	PUNCT
ajbmeb-294	16	16	out	out	ADP
ajbmeb-294	16	17	principles	principle	NOUN
ajbmeb-294	16	18	and	and	CCONJ
ajbmeb-294	16	19	rules	rule	NOUN
ajbmeb-294	16	20	that	that	PRON
ajbmeb-294	16	21	take	take	VERB
ajbmeb-294	16	22	into	into	ADP
ajbmeb-294	16	23	account	account	NOUN
ajbmeb-294	16	24	not	not	PART
ajbmeb-294	16	25	only	only	ADV
ajbmeb-294	16	26	supply	supply	NOUN
ajbmeb-294	16	27	and	and	CCONJ
ajbmeb-294	16	28	demand	demand	NOUN
ajbmeb-294	16	29	,	,	PUNCT
ajbmeb-294	16	30	and	and	CCONJ
ajbmeb-294	16	31	competitors	competitor	NOUN
ajbmeb-294	16	32	’	’	PART
ajbmeb-294	16	33	prices	price	NOUN
ajbmeb-294	16	34	,	,	PUNCT
ajbmeb-294	16	35	but	but	CCONJ
ajbmeb-294	16	36	also	also	ADV
ajbmeb-294	16	37	and	and	CCONJ
ajbmeb-294	16	38	most	most	ADV
ajbmeb-294	16	39	importantly	importantly	ADV
ajbmeb-294	16	40	,	,	PUNCT
ajbmeb-294	16	41	the	the	DET
ajbmeb-294	16	42	cost	cost	NOUN
ajbmeb-294	16	43	of	of	ADP
ajbmeb-294	16	44	the	the	DET
ajbmeb-294	16	45	service	service	NOUN
ajbmeb-294	16	46	itself	itself	PRON
ajbmeb-294	16	47	.	.	PUNCT
ajbmeb-294	17	1	since	since	SCONJ
ajbmeb-294	17	2	the	the	DET
ajbmeb-294	17	3	price	price	NOUN
ajbmeb-294	17	4	paid	pay	VERB
ajbmeb-294	17	5	for	for	ADP
ajbmeb-294	17	6	a	a	DET
ajbmeb-294	17	7	particular	particular	ADJ
ajbmeb-294	17	8	service	service	NOUN
ajbmeb-294	17	9	comes	come	VERB
ajbmeb-294	17	10	among	among	ADP
ajbmeb-294	17	11	the	the	DET
ajbmeb-294	17	12	customer	customer	NOUN
ajbmeb-294	17	13	's	's	PART
ajbmeb-294	17	14	priorities	priority	NOUN
ajbmeb-294	17	15	,	,	PUNCT
ajbmeb-294	17	16	the	the	DET
ajbmeb-294	17	17	consumer	consumer	NOUN
ajbmeb-294	17	18	has	have	AUX
ajbmeb-294	17	19	become	become	VERB
ajbmeb-294	17	20	the	the	DET
ajbmeb-294	17	21	main	main	ADJ
ajbmeb-294	17	22	determinant	determinant	NOUN
ajbmeb-294	17	23	of	of	ADP
ajbmeb-294	17	24	the	the	DET
ajbmeb-294	17	25	price	price	NOUN
ajbmeb-294	17	26	,	,	PUNCT
ajbmeb-294	17	27	as	as	SCONJ
ajbmeb-294	17	28	the	the	DET
ajbmeb-294	17	29	latter	latter	ADJ
ajbmeb-294	17	30	is	be	AUX
ajbmeb-294	17	31	considered	consider	VERB
ajbmeb-294	17	32	one	one	NUM
ajbmeb-294	17	33	of	of	ADP
ajbmeb-294	17	34	the	the	DET
ajbmeb-294	17	35	most	most	ADV
ajbmeb-294	17	36	important	important	ADJ
ajbmeb-294	17	37	factors	factor	NOUN
ajbmeb-294	17	38	affecting	affect	VERB
ajbmeb-294	17	39	the	the	DET
ajbmeb-294	17	40	success	success	NOUN
ajbmeb-294	17	41	of	of	ADP
ajbmeb-294	17	42	the	the	DET
ajbmeb-294	17	43	institution	institution	NOUN
ajbmeb-294	17	44	and	and	CCONJ
ajbmeb-294	17	45	increasing	increase	VERB
ajbmeb-294	17	46	its	its	PRON
ajbmeb-294	17	47	competitiveness	competitiveness	NOUN
ajbmeb-294	17	48	.	.	PUNCT
ajbmeb-294	18	1	based	base	VERB
ajbmeb-294	18	2	on	on	ADP
ajbmeb-294	18	3	this	this	PRON
ajbmeb-294	18	4	,	,	PUNCT
ajbmeb-294	18	5	it	it	PRON
ajbmeb-294	18	6	became	become	VERB
ajbmeb-294	18	7	necessary	necessary	ADJ
ajbmeb-294	18	8	for	for	SCONJ
ajbmeb-294	18	9	any	any	DET
ajbmeb-294	18	10	financial	financial	ADJ
ajbmeb-294	18	11	institution	institution	NOUN
ajbmeb-294	18	12	to	to	PART
ajbmeb-294	18	13	search	search	VERB
ajbmeb-294	18	14	for	for	ADP
ajbmeb-294	18	15	ways	way	NOUN
ajbmeb-294	18	16	to	to	PART
ajbmeb-294	18	17	price	price	VERB
ajbmeb-294	18	18	its	its	PRON
ajbmeb-294	18	19	services	service	NOUN
ajbmeb-294	18	20	in	in	ADP
ajbmeb-294	18	21	order	order	NOUN
ajbmeb-294	18	22	to	to	PART
ajbmeb-294	18	23	achieve	achieve	VERB
ajbmeb-294	18	24	customer	customer	NOUN
ajbmeb-294	18	25	satisfaction	satisfaction	NOUN
ajbmeb-294	18	26	and	and	CCONJ
ajbmeb-294	18	27	at	at	ADP
ajbmeb-294	18	28	the	the	DET
ajbmeb-294	18	29	same	same	ADJ
ajbmeb-294	18	30	time	time	NOUN
ajbmeb-294	18	31	help	help	NOUN
ajbmeb-294	18	32	in	in	ADP
ajbmeb-294	18	33	achieving	achieve	VERB
ajbmeb-294	18	34	the	the	DET
ajbmeb-294	18	35	objectives	objective	NOUN
ajbmeb-294	18	36	of	of	ADP
ajbmeb-294	18	37	the	the	DET
ajbmeb-294	18	38	institution	institution	NOUN
ajbmeb-294	18	39	.	.	PUNCT
ajbmeb-294	19	1	thus	thus	ADV
ajbmeb-294	19	2	,	,	PUNCT
ajbmeb-294	19	3	banking	banking	NOUN
ajbmeb-294	19	4	institutions	institution	NOUN
ajbmeb-294	19	5	must	must	AUX
ajbmeb-294	19	6	improve	improve	VERB
ajbmeb-294	19	7	and	and	CCONJ
ajbmeb-294	19	8	develop	develop	VERB
ajbmeb-294	19	9	methods	method	NOUN
ajbmeb-294	19	10	of	of	ADP
ajbmeb-294	19	11	pricing	price	VERB
ajbmeb-294	19	12	their	their	PRON
ajbmeb-294	19	13	banking	banking	NOUN
ajbmeb-294	19	14	services	service	NOUN
ajbmeb-294	19	15	in	in	ADP
ajbmeb-294	19	16	order	order	NOUN
ajbmeb-294	19	17	to	to	PART
ajbmeb-294	19	18	be	be	AUX
ajbmeb-294	19	19	able	able	ADJ
ajbmeb-294	19	20	to	to	PART
ajbmeb-294	19	21	ensure	ensure	VERB
ajbmeb-294	19	22	their	their	PRON
ajbmeb-294	19	23	continuity	continuity	NOUN
ajbmeb-294	19	24	in	in	ADP
ajbmeb-294	19	25	the	the	DET
ajbmeb-294	19	26	market	market	NOUN
ajbmeb-294	19	27	.	.	PUNCT
ajbmeb-294	20	1	among	among	ADP
ajbmeb-294	20	2	these	these	DET
ajbmeb-294	20	3	methods	method	NOUN
ajbmeb-294	20	4	,	,	PUNCT
ajbmeb-294	20	5	we	we	PRON
ajbmeb-294	20	6	find	find	VERB
ajbmeb-294	20	7	the	the	DET
ajbmeb-294	20	8	target	target	NOUN
ajbmeb-294	20	9	cost	cost	NOUN
ajbmeb-294	20	10	method	method	NOUN
ajbmeb-294	20	11	,	,	PUNCT
ajbmeb-294	20	12	which	which	PRON
ajbmeb-294	20	13	seeks	seek	VERB
ajbmeb-294	20	14	to	to	PART
ajbmeb-294	20	15	achieve	achieve	VERB
ajbmeb-294	20	16	the	the	DET
ajbmeb-294	20	17	satisfaction	satisfaction	NOUN
ajbmeb-294	20	18	of	of	ADP
ajbmeb-294	20	19	each	each	PRON
ajbmeb-294	20	20	of	of	ADP
ajbmeb-294	20	21	the	the	DET
ajbmeb-294	20	22	customer	customer	NOUN
ajbmeb-294	20	23	by	by	ADP
ajbmeb-294	20	24	focusing	focus	VERB
ajbmeb-294	20	25	on	on	ADP
ajbmeb-294	20	26	high	high	ADJ
ajbmeb-294	20	27	quality	quality	NOUN
ajbmeb-294	20	28	at	at	ADP
ajbmeb-294	20	29	the	the	DET
ajbmeb-294	20	30	right	right	ADJ
ajbmeb-294	20	31	price	price	NOUN
ajbmeb-294	20	32	and	and	CCONJ
ajbmeb-294	20	33	on	on	ADP
ajbmeb-294	20	34	the	the	DET
ajbmeb-294	20	35	satisfaction	satisfaction	NOUN
ajbmeb-294	20	36	of	of	ADP
ajbmeb-294	20	37	the	the	DET
ajbmeb-294	20	38	institution	institution	NOUN
ajbmeb-294	20	39	through	through	ADP
ajbmeb-294	20	40	achieving	achieve	VERB
ajbmeb-294	20	41	profits	profit	NOUN
ajbmeb-294	20	42	to	to	PART
ajbmeb-294	20	43	sweep	sweep	VERB
ajbmeb-294	20	44	the	the	DET
ajbmeb-294	20	45	markets	market	NOUN
ajbmeb-294	20	46	and	and	CCONJ
ajbmeb-294	20	47	the	the	DET
ajbmeb-294	20	48	sustainability	sustainability	NOUN
ajbmeb-294	20	49	of	of	ADP
ajbmeb-294	20	50	competition	competition	NOUN
ajbmeb-294	20	51	for	for	ADP
ajbmeb-294	20	52	them	they	PRON
ajbmeb-294	20	53	.	.	PUNCT
ajbmeb-294	21	1	hence	hence	ADV
ajbmeb-294	21	2	,	,	PUNCT
ajbmeb-294	21	3	the	the	DET
ajbmeb-294	21	4	impact	impact	NOUN
ajbmeb-294	21	5	of	of	ADP
ajbmeb-294	21	6	the	the	DET
ajbmeb-294	21	7	target	target	NOUN
ajbmeb-294	21	8	cost	cost	NOUN
ajbmeb-294	21	9	on	on	ADP
ajbmeb-294	21	10	the	the	DET
ajbmeb-294	21	11	competitive	competitive	ADJ
ajbmeb-294	21	12	advantage	advantage	NOUN
ajbmeb-294	21	13	will	will	AUX
ajbmeb-294	21	14	make	make	VERB
ajbmeb-294	21	15	banks	bank	NOUN
ajbmeb-294	21	16	pioneers	pioneer	NOUN
ajbmeb-294	21	17	and	and	CCONJ
ajbmeb-294	21	18	able	able	ADJ
ajbmeb-294	21	19	to	to	PART
ajbmeb-294	21	20	obtain	obtain	VERB
ajbmeb-294	21	21	a	a	DET
ajbmeb-294	21	22	large	large	ADJ
ajbmeb-294	21	23	market	market	NOUN
ajbmeb-294	21	24	share	share	NOUN
ajbmeb-294	21	25	.	.	PUNCT
ajbmeb-294	22	1	as	as	ADP
ajbmeb-294	22	2	for	for	ADP
ajbmeb-294	22	3	the	the	DET
ajbmeb-294	22	4	elements	element	NOUN
ajbmeb-294	22	5	of	of	ADP
ajbmeb-294	22	6	competitive	competitive	ADJ
ajbmeb-294	22	7	advantage	advantage	NOUN
ajbmeb-294	22	8	represented	represent	VERB
ajbmeb-294	22	9	in	in	ADP
ajbmeb-294	22	10	cost	cost	NOUN
ajbmeb-294	22	11	,	,	PUNCT
ajbmeb-294	22	12	which	which	PRON
ajbmeb-294	22	13	enables	enable	VERB
ajbmeb-294	22	14	the	the	DET
ajbmeb-294	22	15	organization	organization	NOUN
ajbmeb-294	22	16	to	to	PART
ajbmeb-294	22	17	obtain	obtain	VERB
ajbmeb-294	22	18	the	the	DET
ajbmeb-294	22	19	largest	large	ADJ
ajbmeb-294	22	20	possible	possible	ADJ
ajbmeb-294	22	21	market	market	NOUN
ajbmeb-294	22	22	share	share	NOUN
ajbmeb-294	22	23	,	,	PUNCT
ajbmeb-294	22	24	and	and	CCONJ
ajbmeb-294	22	25	the	the	DET
ajbmeb-294	22	26	quality	quality	NOUN
ajbmeb-294	22	27	that	that	PRON
ajbmeb-294	22	28	makes	make	VERB
ajbmeb-294	22	29	the	the	DET
ajbmeb-294	22	30	customer	customer	NOUN
ajbmeb-294	22	31	trust	trust	VERB
ajbmeb-294	22	32	what	what	PRON
ajbmeb-294	22	33	the	the	DET
ajbmeb-294	22	34	organization	organization	NOUN
ajbmeb-294	22	35	offers	offer	VERB
ajbmeb-294	22	36	,	,	PUNCT
ajbmeb-294	22	37	creativity	creativity	NOUN
ajbmeb-294	22	38	,	,	PUNCT
ajbmeb-294	22	39	which	which	PRON
ajbmeb-294	22	40	represents	represent	VERB
ajbmeb-294	22	41	the	the	DET
ajbmeb-294	22	42	engine	engine	NOUN
ajbmeb-294	22	43	of	of	ADP
ajbmeb-294	22	44	attraction	attraction	NOUN
ajbmeb-294	22	45	for	for	ADP
ajbmeb-294	22	46	the	the	DET
ajbmeb-294	22	47	organization	organization	NOUN
ajbmeb-294	22	48	,	,	PUNCT
ajbmeb-294	22	49	as	as	ADV
ajbmeb-294	22	50	well	well	ADV
ajbmeb-294	22	51	as	as	ADP
ajbmeb-294	22	52	flexibility	flexibility	NOUN
ajbmeb-294	22	53	,	,	PUNCT
ajbmeb-294	22	54	the	the	DET
ajbmeb-294	22	55	speed	speed	NOUN
ajbmeb-294	22	56	of	of	ADP
ajbmeb-294	22	57	response	response	NOUN
ajbmeb-294	22	58	to	to	ADP
ajbmeb-294	22	59	changes	change	NOUN
ajbmeb-294	22	60	that	that	PRON
ajbmeb-294	22	61	occur	occur	VERB
ajbmeb-294	22	62	in	in	ADP
ajbmeb-294	22	63	the	the	DET
ajbmeb-294	22	64	design	design	NOUN
ajbmeb-294	22	65	of	of	ADP
ajbmeb-294	22	66	banking	banking	NOUN
ajbmeb-294	22	67	services	service	NOUN
ajbmeb-294	22	68	and	and	CCONJ
ajbmeb-294	22	69	to	to	PART
ajbmeb-294	22	70	suit	suit	VERB
ajbmeb-294	22	71	the	the	DET
ajbmeb-294	22	72	customer	customer	NOUN
ajbmeb-294	22	73	makes	make	VERB
ajbmeb-294	22	74	him	he	PRON
ajbmeb-294	22	75	the	the	DET
ajbmeb-294	22	76	most	most	ADV
ajbmeb-294	22	77	desirable	desirable	ADJ
ajbmeb-294	22	78	to	to	ADP
ajbmeb-294	22	79	the	the	DET
ajbmeb-294	22	80	customer	customer	NOUN
ajbmeb-294	22	81	,	,	PUNCT
ajbmeb-294	22	82	and	and	CCONJ
ajbmeb-294	22	83	time	time	NOUN
ajbmeb-294	22	84	or	or	CCONJ
ajbmeb-294	22	85	delivery	delivery	NOUN
ajbmeb-294	22	86	is	be	AUX
ajbmeb-294	22	87	the	the	DET
ajbmeb-294	22	88	last	last	ADJ
ajbmeb-294	22	89	element	element	NOUN
ajbmeb-294	22	90	in	in	ADP
ajbmeb-294	22	91	the	the	DET
ajbmeb-294	22	92	competitive	competitive	ADJ
ajbmeb-294	22	93	advantage	advantage	NOUN
ajbmeb-294	22	94	is	be	AUX
ajbmeb-294	22	95	either	either	CCONJ
ajbmeb-294	22	96	to	to	PART
ajbmeb-294	22	97	increase	increase	VERB
ajbmeb-294	22	98	or	or	CCONJ
ajbmeb-294	22	99	decrease	decrease	VERB
ajbmeb-294	22	100	customers	customer	NOUN
ajbmeb-294	22	101	so	so	SCONJ
ajbmeb-294	22	102	that	that	SCONJ
ajbmeb-294	22	103	the	the	DET
ajbmeb-294	22	104	product	product	NOUN
ajbmeb-294	22	105	or	or	CCONJ
ajbmeb-294	22	106	service	service	NOUN
ajbmeb-294	22	107	arrives	arrive	VERB
ajbmeb-294	22	108	at	at	ADP
ajbmeb-294	22	109	the	the	DET
ajbmeb-294	22	110	right	right	ADJ
ajbmeb-294	22	111	time	time	NOUN
ajbmeb-294	22	112	it	it	PRON
ajbmeb-294	22	113	makes	make	VERB
ajbmeb-294	22	114	him	he	PRON
ajbmeb-294	22	115	successful	successful	ADJ
ajbmeb-294	22	116	and	and	CCONJ
ajbmeb-294	22	117	distinguished	distinguished	ADJ
ajbmeb-294	22	118	.	.	PUNCT
ajbmeb-294	23	1	search	search	NOUN
ajbmeb-294	23	2	method	method	NOUN
ajbmeb-294	23	3	:	:	PUNCT
ajbmeb-294	23	4	first	first	ADV
ajbmeb-294	23	5	:	:	PUNCT
ajbmeb-294	23	6	the	the	DET
ajbmeb-294	23	7	problem	problem	NOUN
ajbmeb-294	23	8	of	of	ADP
ajbmeb-294	23	9	the	the	DET
ajbmeb-294	23	10	study	study	NOUN
ajbmeb-294	23	11	commercial	commercial	ADJ
ajbmeb-294	23	12	banks	bank	NOUN
ajbmeb-294	23	13	face	face	VERB
ajbmeb-294	23	14	a	a	DET
ajbmeb-294	23	15	number	number	NOUN
ajbmeb-294	23	16	of	of	ADP
ajbmeb-294	23	17	challenges	challenge	NOUN
ajbmeb-294	23	18	in	in	ADP
ajbmeb-294	23	19	their	their	PRON
ajbmeb-294	23	20	pursuit	pursuit	NOUN
ajbmeb-294	23	21	of	of	ADP
ajbmeb-294	23	22	success	success	NOUN
ajbmeb-294	23	23	and	and	CCONJ
ajbmeb-294	23	24	continuity	continuity	NOUN
ajbmeb-294	23	25	,	,	PUNCT
ajbmeb-294	23	26	or	or	CCONJ
ajbmeb-294	23	27	a	a	DET
ajbmeb-294	23	28	sustainable	sustainable	ADJ
ajbmeb-294	23	29	competitive	competitive	ADJ
ajbmeb-294	23	30	advantage	advantage	NOUN
ajbmeb-294	23	31	,	,	PUNCT
ajbmeb-294	23	32	as	as	ADP
ajbmeb-294	23	33	a	a	DET
ajbmeb-294	23	34	result	result	NOUN
ajbmeb-294	23	35	of	of	ADP
ajbmeb-294	23	36	the	the	DET
ajbmeb-294	23	37	market	market	NOUN
ajbmeb-294	23	38	for	for	ADP
ajbmeb-294	23	39	financial	financial	ADJ
ajbmeb-294	23	40	services	service	NOUN
ajbmeb-294	23	41	is	be	AUX
ajbmeb-294	23	42	experiencing	experience	VERB
ajbmeb-294	23	43	increased	increase	VERB
ajbmeb-294	23	44	competition	competition	NOUN
ajbmeb-294	23	45	due	due	ADP
ajbmeb-294	23	46	to	to	ADP
ajbmeb-294	23	47	the	the	DET
ajbmeb-294	23	48	variety	variety	NOUN
ajbmeb-294	23	49	and	and	CCONJ
ajbmeb-294	23	50	abundance	abundance	NOUN
ajbmeb-294	23	51	of	of	ADP
ajbmeb-294	23	52	these	these	DET
ajbmeb-294	23	53	services	service	NOUN
ajbmeb-294	23	54	,	,	PUNCT
ajbmeb-294	23	55	as	as	ADV
ajbmeb-294	23	56	well	well	ADV
ajbmeb-294	23	57	as	as	ADP
ajbmeb-294	23	58	the	the	DET
ajbmeb-294	23	59	growing	grow	VERB
ajbmeb-294	23	60	use	use	NOUN
ajbmeb-294	23	61	of	of	ADP
ajbmeb-294	23	62	technology	technology	NOUN
ajbmeb-294	23	63	to	to	PART
ajbmeb-294	23	64	deliver	deliver	VERB
ajbmeb-294	23	65	high	high	ADJ
ajbmeb-294	23	66	-	-	PUNCT
ajbmeb-294	23	67	value	value	NOUN
ajbmeb-294	23	68	services	service	NOUN
ajbmeb-294	23	69	.	.	PUNCT
ajbmeb-294	24	1	the	the	DET
ajbmeb-294	24	2	ability	ability	NOUN
ajbmeb-294	24	3	of	of	ADP
ajbmeb-294	24	4	the	the	DET
ajbmeb-294	24	5	bank	bank	NOUN
ajbmeb-294	24	6	management	management	NOUN
ajbmeb-294	24	7	to	to	PART
ajbmeb-294	24	8	apply	apply	VERB
ajbmeb-294	24	9	the	the	DET
ajbmeb-294	24	10	target	target	NOUN
ajbmeb-294	24	11	costing	cost	VERB
ajbmeb-294	24	12	strategy	strategy	NOUN
ajbmeb-294	24	13	and	and	CCONJ
ajbmeb-294	24	14	allow	allow	VERB
ajbmeb-294	24	15	the	the	DET
ajbmeb-294	24	16	banks	bank	NOUN
ajbmeb-294	24	17	to	to	PART
ajbmeb-294	24	18	reach	reach	VERB
ajbmeb-294	24	19	their	their	PRON
ajbmeb-294	24	20	desired	desire	VERB
ajbmeb-294	24	21	goals	goal	NOUN
ajbmeb-294	24	22	depends	depend	VERB
ajbmeb-294	24	23	on	on	ADP
ajbmeb-294	24	24	more	more	ADJ
ajbmeb-294	24	25	than	than	ADP
ajbmeb-294	24	26	just	just	ADV
ajbmeb-294	24	27	that	that	PRON
ajbmeb-294	24	28	;	;	PUNCT
ajbmeb-294	24	29	the	the	DET
ajbmeb-294	24	30	bank	bank	NOUN
ajbmeb-294	24	31	must	must	AUX
ajbmeb-294	24	32	also	also	ADV
ajbmeb-294	24	33	have	have	VERB
ajbmeb-294	24	34	the	the	DET
ajbmeb-294	24	35	appropriate	appropriate	ADJ
ajbmeb-294	24	36	components	component	NOUN
ajbmeb-294	24	37	.	.	PUNCT
ajbmeb-294	25	1	in	in	ADP
ajbmeb-294	25	2	addition	addition	NOUN
ajbmeb-294	25	3	to	to	ADP
ajbmeb-294	25	4	working	work	VERB
ajbmeb-294	25	5	to	to	PART
ajbmeb-294	25	6	develop	develop	VERB
ajbmeb-294	25	7	new	new	ADJ
ajbmeb-294	25	8	services	service	NOUN
ajbmeb-294	25	9	that	that	PRON
ajbmeb-294	25	10	cater	cater	VERB
ajbmeb-294	25	11	to	to	ADP
ajbmeb-294	25	12	consumer	consumer	NOUN
ajbmeb-294	25	13	needs	need	NOUN
ajbmeb-294	25	14	,	,	PUNCT
ajbmeb-294	25	15	banks	bank	NOUN
ajbmeb-294	25	16	should	should	AUX
ajbmeb-294	25	17	make	make	VERB
ajbmeb-294	25	18	sure	sure	ADJ
ajbmeb-294	25	19	that	that	SCONJ
ajbmeb-294	25	20	these	these	DET
ajbmeb-294	25	21	services	service	NOUN
ajbmeb-294	25	22	are	be	AUX
ajbmeb-294	25	23	offered	offer	VERB
ajbmeb-294	25	24	at	at	ADP
ajbmeb-294	25	25	a	a	DET
ajbmeb-294	25	26	level	level	NOUN
ajbmeb-294	25	27	of	of	ADP
ajbmeb-294	25	28	quality	quality	NOUN
ajbmeb-294	25	29	and	and	CCONJ
ajbmeb-294	25	30	cost	cost	NOUN
ajbmeb-294	25	31	that	that	PRON
ajbmeb-294	25	32	is	be	AUX
ajbmeb-294	25	33	acceptable	acceptable	ADJ
ajbmeb-294	25	34	to	to	ADP
ajbmeb-294	25	35	the	the	DET
ajbmeb-294	25	36	client	client	NOUN
ajbmeb-294	25	37	and	and	CCONJ
ajbmeb-294	25	38	their	their	PRON
ajbmeb-294	25	39	capacity	capacity	NOUN
ajbmeb-294	25	40	to	to	PART
ajbmeb-294	25	41	pay	pay	VERB
ajbmeb-294	25	42	for	for	ADP
ajbmeb-294	25	43	the	the	DET
ajbmeb-294	25	44	service	service	NOUN
ajbmeb-294	25	45	.	.	PUNCT
ajbmeb-294	26	1	as	as	ADP
ajbmeb-294	26	2	a	a	DET
ajbmeb-294	26	3	result	result	NOUN
ajbmeb-294	26	4	,	,	PUNCT
ajbmeb-294	26	5	the	the	DET
ajbmeb-294	26	6	research	research	NOUN
ajbmeb-294	26	7	dilemma	dilemma	NOUN
ajbmeb-294	26	8	can	can	AUX
ajbmeb-294	26	9	be	be	AUX
ajbmeb-294	26	10	summarized	summarize	VERB
ajbmeb-294	26	11	in	in	ADP
ajbmeb-294	26	12	the	the	DET
ajbmeb-294	26	13	following	follow	VERB
ajbmeb-294	26	14	questions	question	NOUN
ajbmeb-294	26	15	:	:	PUNCT
ajbmeb-294	26	16	american	american	PROPN
ajbmeb-294	26	17	journal	journal	PROPN
ajbmeb-294	26	18	of	of	ADP
ajbmeb-294	26	19	business	business	NOUN
ajbmeb-294	26	20	management	management	NOUN
ajbmeb-294	26	21	,	,	PUNCT
ajbmeb-294	26	22	economics	economic	NOUN
ajbmeb-294	26	23	and	and	CCONJ
ajbmeb-294	26	24	banking	banking	NOUN
ajbmeb-294	26	25	volume	volume	NOUN
ajbmeb-294	26	26	8	8	NUM
ajbmeb-294	26	27	,	,	PUNCT
ajbmeb-294	26	28	jan	jan	PROPN
ajbmeb-294	26	29	.	.	PROPN
ajbmeb-294	26	30	,	,	PUNCT
ajbmeb-294	26	31	2023	2023	NUM
ajbmeb-294	26	32	p	p	NOUN
ajbmeb-294	26	33	a	a	PRON
ajbmeb-294	26	34	g	g	NOUN
ajbmeb-294	26	35	e	e	NOUN
ajbmeb-294	26	36	|	|	ADV
ajbmeb-294	26	37	20	20	NUM
ajbmeb-294	26	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	26	39	1	1	NUM
ajbmeb-294	26	40	do	do	VERB
ajbmeb-294	26	41	commercial	commercial	ADJ
ajbmeb-294	26	42	banks	bank	NOUN
ajbmeb-294	26	43	operating	operate	VERB
ajbmeb-294	26	44	in	in	ADP
ajbmeb-294	26	45	the	the	DET
ajbmeb-294	26	46	banking	banking	NOUN
ajbmeb-294	26	47	industry	industry	NOUN
ajbmeb-294	26	48	in	in	ADP
ajbmeb-294	26	49	iraq	iraq	PROPN
ajbmeb-294	26	50	have	have	VERB
ajbmeb-294	26	51	what	what	PRON
ajbmeb-294	26	52	is	be	AUX
ajbmeb-294	26	53	required	require	VERB
ajbmeb-294	26	54	to	to	PART
ajbmeb-294	26	55	use	use	VERB
ajbmeb-294	26	56	the	the	DET
ajbmeb-294	26	57	target	target	NOUN
ajbmeb-294	26	58	cost	cost	NOUN
ajbmeb-294	26	59	method	method	NOUN
ajbmeb-294	26	60	when	when	SCONJ
ajbmeb-294	26	61	pricing	price	VERB
ajbmeb-294	26	62	banking	banking	NOUN
ajbmeb-294	26	63	services	service	NOUN
ajbmeb-294	26	64	to	to	PART
ajbmeb-294	26	65	gain	gain	VERB
ajbmeb-294	26	66	a	a	DET
ajbmeb-294	26	67	long	long	ADJ
ajbmeb-294	26	68	-	-	PUNCT
ajbmeb-294	26	69	term	term	NOUN
ajbmeb-294	26	70	(	(	PUNCT
ajbmeb-294	26	71	i.e.	i.e.	X
ajbmeb-294	26	72	sustainable	sustainable	ADJ
ajbmeb-294	26	73	)	)	PUNCT
ajbmeb-294	26	74	competitive	competitive	ADJ
ajbmeb-294	26	75	advantage	advantage	NOUN
ajbmeb-294	26	76	?	?	PUNCT
ajbmeb-294	27	1	2are	2are	NUM
ajbmeb-294	27	2	banks	bank	NOUN
ajbmeb-294	27	3	operating	operate	VERB
ajbmeb-294	27	4	in	in	ADP
ajbmeb-294	27	5	the	the	DET
ajbmeb-294	27	6	iraqi	iraqi	ADJ
ajbmeb-294	27	7	banking	banking	NOUN
ajbmeb-294	27	8	industry	industry	NOUN
ajbmeb-294	27	9	aware	aware	ADJ
ajbmeb-294	27	10	of	of	ADP
ajbmeb-294	27	11	the	the	DET
ajbmeb-294	27	12	benefits	benefit	NOUN
ajbmeb-294	27	13	they	they	PRON
ajbmeb-294	27	14	obtain	obtain	VERB
ajbmeb-294	27	15	from	from	ADP
ajbmeb-294	27	16	using	use	VERB
ajbmeb-294	27	17	a	a	DET
ajbmeb-294	27	18	target	target	NOUN
ajbmeb-294	27	19	costing	cost	VERB
ajbmeb-294	27	20	strategy	strategy	NOUN
ajbmeb-294	27	21	to	to	PART
ajbmeb-294	27	22	price	price	VERB
ajbmeb-294	27	23	their	their	PRON
ajbmeb-294	27	24	banking	banking	NOUN
ajbmeb-294	27	25	services	service	NOUN
ajbmeb-294	27	26	in	in	ADP
ajbmeb-294	27	27	order	order	NOUN
ajbmeb-294	27	28	to	to	PART
ajbmeb-294	27	29	obtain	obtain	VERB
ajbmeb-294	27	30	a	a	DET
ajbmeb-294	27	31	long	long	ADJ
ajbmeb-294	27	32	-	-	PUNCT
ajbmeb-294	27	33	term	term	NOUN
ajbmeb-294	27	34	(	(	PUNCT
ajbmeb-294	27	35	sustainable	sustainable	ADJ
ajbmeb-294	27	36	)	)	PUNCT
ajbmeb-294	27	37	competitive	competitive	ADJ
ajbmeb-294	27	38	advantage	advantage	NOUN
ajbmeb-294	27	39	?	?	PUNCT
ajbmeb-294	28	1	3are	3are	NUM
ajbmeb-294	28	2	there	there	PRON
ajbmeb-294	28	3	any	any	DET
ajbmeb-294	28	4	obstacles	obstacle	NOUN
ajbmeb-294	28	5	or	or	CCONJ
ajbmeb-294	28	6	challenges	challenge	NOUN
ajbmeb-294	28	7	that	that	PRON
ajbmeb-294	28	8	prevent	prevent	VERB
ajbmeb-294	28	9	banks	bank	NOUN
ajbmeb-294	28	10	operating	operate	VERB
ajbmeb-294	28	11	in	in	ADP
ajbmeb-294	28	12	the	the	DET
ajbmeb-294	28	13	iraqi	iraqi	ADJ
ajbmeb-294	28	14	banking	banking	NOUN
ajbmeb-294	28	15	sector	sector	NOUN
ajbmeb-294	28	16	from	from	ADP
ajbmeb-294	28	17	using	use	VERB
ajbmeb-294	28	18	the	the	DET
ajbmeb-294	28	19	target	target	NOUN
ajbmeb-294	28	20	cost	cost	NOUN
ajbmeb-294	28	21	method	method	NOUN
ajbmeb-294	28	22	to	to	PART
ajbmeb-294	28	23	establish	establish	VERB
ajbmeb-294	28	24	a	a	DET
ajbmeb-294	28	25	long	long	ADJ
ajbmeb-294	28	26	-	-	PUNCT
ajbmeb-294	28	27	term	term	NOUN
ajbmeb-294	28	28	(	(	PUNCT
ajbmeb-294	28	29	sustainable	sustainable	ADJ
ajbmeb-294	28	30	)	)	PUNCT
ajbmeb-294	28	31	competitive	competitive	ADJ
ajbmeb-294	28	32	advantage	advantage	NOUN
ajbmeb-294	28	33	?	?	PUNCT
ajbmeb-294	29	1	second	second	ADV
ajbmeb-294	29	2	:	:	PUNCT
ajbmeb-294	29	3	the	the	DET
ajbmeb-294	29	4	aim	aim	NOUN
ajbmeb-294	29	5	of	of	ADP
ajbmeb-294	29	6	the	the	DET
ajbmeb-294	29	7	study	study	NOUN
ajbmeb-294	29	8	the	the	DET
ajbmeb-294	29	9	primary	primary	ADJ
ajbmeb-294	29	10	objective	objective	NOUN
ajbmeb-294	29	11	of	of	ADP
ajbmeb-294	29	12	the	the	DET
ajbmeb-294	29	13	study	study	NOUN
ajbmeb-294	29	14	is	be	AUX
ajbmeb-294	29	15	to	to	PART
ajbmeb-294	29	16	study	study	VERB
ajbmeb-294	29	17	how	how	SCONJ
ajbmeb-294	29	18	the	the	DET
ajbmeb-294	29	19	application	application	NOUN
ajbmeb-294	29	20	of	of	ADP
ajbmeb-294	29	21	target	target	NOUN
ajbmeb-294	29	22	costing	costing	NOUN
ajbmeb-294	29	23	can	can	AUX
ajbmeb-294	29	24	be	be	AUX
ajbmeb-294	29	25	used	use	VERB
ajbmeb-294	29	26	to	to	PART
ajbmeb-294	29	27	set	set	VERB
ajbmeb-294	29	28	prices	price	NOUN
ajbmeb-294	29	29	for	for	ADP
ajbmeb-294	29	30	banking	banking	NOUN
ajbmeb-294	29	31	services	service	NOUN
ajbmeb-294	29	32	in	in	ADP
ajbmeb-294	29	33	order	order	NOUN
ajbmeb-294	29	34	to	to	PART
ajbmeb-294	29	35	achieve	achieve	VERB
ajbmeb-294	29	36	a	a	DET
ajbmeb-294	29	37	sustainable	sustainable	ADJ
ajbmeb-294	29	38	competitive	competitive	ADJ
ajbmeb-294	29	39	advantage	advantage	NOUN
ajbmeb-294	29	40	,	,	PUNCT
ajbmeb-294	29	41	especially	especially	ADV
ajbmeb-294	29	42	because	because	SCONJ
ajbmeb-294	29	43	of	of	ADP
ajbmeb-294	29	44	the	the	DET
ajbmeb-294	29	45	benefits	benefit	NOUN
ajbmeb-294	29	46	it	it	PRON
ajbmeb-294	29	47	brings	bring	VERB
ajbmeb-294	29	48	to	to	ADP
ajbmeb-294	29	49	planning	planning	NOUN
ajbmeb-294	29	50	and	and	CCONJ
ajbmeb-294	29	51	cost	cost	NOUN
ajbmeb-294	29	52	control	control	NOUN
ajbmeb-294	29	53	,	,	PUNCT
ajbmeb-294	29	54	as	as	ADV
ajbmeb-294	29	55	well	well	ADV
ajbmeb-294	29	56	as	as	ADP
ajbmeb-294	29	57	the	the	DET
ajbmeb-294	29	58	subsequent	subsequent	ADJ
ajbmeb-294	29	59	reduction	reduction	NOUN
ajbmeb-294	29	60	of	of	ADP
ajbmeb-294	29	61	costs	cost	NOUN
ajbmeb-294	29	62	.	.	PUNCT
ajbmeb-294	30	1	the	the	DET
ajbmeb-294	30	2	main	main	ADJ
ajbmeb-294	30	3	objective	objective	NOUN
ajbmeb-294	30	4	led	lead	VERB
ajbmeb-294	30	5	to	to	ADP
ajbmeb-294	30	6	the	the	DET
ajbmeb-294	30	7	emergence	emergence	NOUN
ajbmeb-294	30	8	of	of	ADP
ajbmeb-294	30	9	the	the	DET
ajbmeb-294	30	10	following	follow	VERB
ajbmeb-294	30	11	sub	sub	NOUN
ajbmeb-294	30	12	-	-	NOUN
ajbmeb-294	30	13	objectives	objective	NOUN
ajbmeb-294	30	14	:	:	PUNCT
ajbmeb-294	30	15	1knowing	1knowe	VERB
ajbmeb-294	30	16	the	the	DET
ajbmeb-294	30	17	elements	element	NOUN
ajbmeb-294	30	18	of	of	ADP
ajbmeb-294	30	19	applying	apply	VERB
ajbmeb-294	30	20	the	the	DET
ajbmeb-294	30	21	target	target	NOUN
ajbmeb-294	30	22	cost	cost	NOUN
ajbmeb-294	30	23	approach	approach	NOUN
ajbmeb-294	30	24	and	and	CCONJ
ajbmeb-294	30	25	the	the	DET
ajbmeb-294	30	26	difficulties	difficulty	NOUN
ajbmeb-294	30	27	that	that	PRON
ajbmeb-294	30	28	banks	bank	NOUN
ajbmeb-294	30	29	face	face	VERB
ajbmeb-294	30	30	in	in	ADP
ajbmeb-294	30	31	applying	apply	VERB
ajbmeb-294	30	32	the	the	DET
ajbmeb-294	30	33	target	target	NOUN
ajbmeb-294	30	34	cost	cost	NOUN
ajbmeb-294	30	35	.	.	PUNCT
ajbmeb-294	31	1	2identifying	2identifye	VERB
ajbmeb-294	31	2	the	the	DET
ajbmeb-294	31	3	impact	impact	NOUN
ajbmeb-294	31	4	of	of	ADP
ajbmeb-294	31	5	applying	apply	VERB
ajbmeb-294	31	6	the	the	DET
ajbmeb-294	31	7	target	target	NOUN
ajbmeb-294	31	8	cost	cost	NOUN
ajbmeb-294	31	9	approach	approach	NOUN
ajbmeb-294	31	10	on	on	ADP
ajbmeb-294	31	11	the	the	DET
ajbmeb-294	31	12	pricing	pricing	NOUN
ajbmeb-294	31	13	of	of	ADP
ajbmeb-294	31	14	banking	banking	NOUN
ajbmeb-294	31	15	services	service	NOUN
ajbmeb-294	31	16	in	in	ADP
ajbmeb-294	31	17	order	order	NOUN
ajbmeb-294	31	18	to	to	PART
ajbmeb-294	31	19	achieve	achieve	VERB
ajbmeb-294	31	20	a	a	DET
ajbmeb-294	31	21	sustainable	sustainable	ADJ
ajbmeb-294	31	22	competitive	competitive	ADJ
ajbmeb-294	31	23	advantage	advantage	NOUN
ajbmeb-294	31	24	.	.	PUNCT
ajbmeb-294	32	1	third	third	ADV
ajbmeb-294	32	2	:	:	PUNCT
ajbmeb-294	32	3	the	the	DET
ajbmeb-294	32	4	importance	importance	NOUN
ajbmeb-294	32	5	of	of	ADP
ajbmeb-294	32	6	the	the	DET
ajbmeb-294	32	7	study	study	NOUN
ajbmeb-294	32	8	the	the	DET
ajbmeb-294	32	9	banking	banking	NOUN
ajbmeb-294	32	10	sector	sector	NOUN
ajbmeb-294	32	11	suffers	suffer	VERB
ajbmeb-294	32	12	from	from	ADP
ajbmeb-294	32	13	a	a	DET
ajbmeb-294	32	14	clear	clear	ADJ
ajbmeb-294	32	15	decline	decline	NOUN
ajbmeb-294	32	16	in	in	ADP
ajbmeb-294	32	17	the	the	DET
ajbmeb-294	32	18	competition	competition	NOUN
ajbmeb-294	32	19	market	market	NOUN
ajbmeb-294	32	20	due	due	ADP
ajbmeb-294	32	21	to	to	ADP
ajbmeb-294	32	22	the	the	DET
ajbmeb-294	32	23	escalation	escalation	NOUN
ajbmeb-294	32	24	of	of	ADP
ajbmeb-294	32	25	competition	competition	NOUN
ajbmeb-294	32	26	in	in	ADP
ajbmeb-294	32	27	the	the	DET
ajbmeb-294	32	28	banking	banking	NOUN
ajbmeb-294	32	29	services	service	NOUN
ajbmeb-294	32	30	market	market	NOUN
ajbmeb-294	32	31	,	,	PUNCT
ajbmeb-294	32	32	economic	economic	ADJ
ajbmeb-294	32	33	openness	openness	NOUN
ajbmeb-294	32	34	and	and	CCONJ
ajbmeb-294	32	35	the	the	DET
ajbmeb-294	32	36	entry	entry	NOUN
ajbmeb-294	32	37	of	of	ADP
ajbmeb-294	32	38	foreign	foreign	ADJ
ajbmeb-294	32	39	banks	bank	NOUN
ajbmeb-294	32	40	with	with	ADP
ajbmeb-294	32	41	modern	modern	ADJ
ajbmeb-294	32	42	technologies	technology	NOUN
ajbmeb-294	32	43	in	in	ADP
ajbmeb-294	32	44	the	the	DET
ajbmeb-294	32	45	competition	competition	NOUN
ajbmeb-294	32	46	market	market	NOUN
ajbmeb-294	32	47	.	.	PUNCT
ajbmeb-294	33	1	therefore	therefore	ADV
ajbmeb-294	33	2	,	,	PUNCT
ajbmeb-294	33	3	the	the	DET
ajbmeb-294	33	4	study	study	NOUN
ajbmeb-294	33	5	seeks	seek	VERB
ajbmeb-294	33	6	to	to	PART
ajbmeb-294	33	7	apply	apply	VERB
ajbmeb-294	33	8	the	the	DET
ajbmeb-294	33	9	target	target	NOUN
ajbmeb-294	33	10	cost	cost	NOUN
ajbmeb-294	33	11	approach	approach	NOUN
ajbmeb-294	33	12	in	in	ADP
ajbmeb-294	33	13	the	the	DET
ajbmeb-294	33	14	iraqi	iraqi	ADJ
ajbmeb-294	33	15	banking	banking	NOUN
ajbmeb-294	33	16	sector	sector	NOUN
ajbmeb-294	33	17	to	to	PART
ajbmeb-294	33	18	achieve	achieve	VERB
ajbmeb-294	33	19	a	a	DET
ajbmeb-294	33	20	sustainable	sustainable	ADJ
ajbmeb-294	33	21	competitive	competitive	ADJ
ajbmeb-294	33	22	advantage	advantage	NOUN
ajbmeb-294	33	23	,	,	PUNCT
ajbmeb-294	33	24	and	and	CCONJ
ajbmeb-294	33	25	that	that	PRON
ajbmeb-294	33	26	is	be	AUX
ajbmeb-294	33	27	based	base	VERB
ajbmeb-294	33	28	on	on	ADP
ajbmeb-294	33	29	modern	modern	ADJ
ajbmeb-294	33	30	methods	method	NOUN
ajbmeb-294	33	31	of	of	ADP
ajbmeb-294	33	32	calculating	calculate	VERB
ajbmeb-294	33	33	costs	cost	NOUN
ajbmeb-294	33	34	and	and	CCONJ
ajbmeb-294	33	35	determining	determine	VERB
ajbmeb-294	33	36	prices	price	NOUN
ajbmeb-294	33	37	and	and	CCONJ
ajbmeb-294	33	38	profit	profit	NOUN
ajbmeb-294	33	39	margins	margin	NOUN
ajbmeb-294	33	40	and	and	CCONJ
ajbmeb-294	33	41	leaving	leave	VERB
ajbmeb-294	33	42	the	the	DET
ajbmeb-294	33	43	traditional	traditional	ADJ
ajbmeb-294	33	44	methods	method	NOUN
ajbmeb-294	33	45	of	of	ADP
ajbmeb-294	33	46	determining	determine	VERB
ajbmeb-294	33	47	prices	price	NOUN
ajbmeb-294	33	48	,	,	PUNCT
ajbmeb-294	33	49	profit	profit	NOUN
ajbmeb-294	33	50	margins	margin	NOUN
ajbmeb-294	33	51	and	and	CCONJ
ajbmeb-294	33	52	costs	cost	NOUN
ajbmeb-294	33	53	,	,	PUNCT
ajbmeb-294	33	54	and	and	CCONJ
ajbmeb-294	33	55	that	that	SCONJ
ajbmeb-294	33	56	the	the	DET
ajbmeb-294	33	57	pricing	pricing	NOUN
ajbmeb-294	33	58	of	of	ADP
ajbmeb-294	33	59	services	service	NOUN
ajbmeb-294	33	60	within	within	ADP
ajbmeb-294	33	61	the	the	DET
ajbmeb-294	33	62	limits	limit	NOUN
ajbmeb-294	33	63	of	of	ADP
ajbmeb-294	33	64	the	the	DET
ajbmeb-294	33	65	permissible	permissible	ADJ
ajbmeb-294	33	66	costs	cost	NOUN
ajbmeb-294	33	67	after	after	ADP
ajbmeb-294	33	68	comparing	compare	VERB
ajbmeb-294	33	69	them	they	PRON
ajbmeb-294	33	70	with	with	ADP
ajbmeb-294	33	71	the	the	DET
ajbmeb-294	33	72	estimated	estimate	VERB
ajbmeb-294	33	73	costs	cost	NOUN
ajbmeb-294	33	74	in	in	ADP
ajbmeb-294	33	75	the	the	DET
ajbmeb-294	33	76	light	light	NOUN
ajbmeb-294	33	77	of	of	ADP
ajbmeb-294	33	78	the	the	DET
ajbmeb-294	33	79	appropriate	appropriate	ADJ
ajbmeb-294	33	80	design	design	NOUN
ajbmeb-294	33	81	that	that	PRON
ajbmeb-294	33	82	meets	meet	VERB
ajbmeb-294	33	83	the	the	DET
ajbmeb-294	33	84	desires	desire	NOUN
ajbmeb-294	33	85	and	and	CCONJ
ajbmeb-294	33	86	needs	need	NOUN
ajbmeb-294	33	87	of	of	ADP
ajbmeb-294	33	88	the	the	DET
ajbmeb-294	33	89	customer	customer	NOUN
ajbmeb-294	33	90	.	.	PUNCT
ajbmeb-294	34	1	fourth	fourth	ADV
ajbmeb-294	34	2	:	:	PUNCT
ajbmeb-294	34	3	the	the	DET
ajbmeb-294	34	4	hypotheses	hypothesis	NOUN
ajbmeb-294	34	5	of	of	ADP
ajbmeb-294	34	6	the	the	DET
ajbmeb-294	34	7	study	study	NOUN
ajbmeb-294	34	8	the	the	DET
ajbmeb-294	34	9	adoption	adoption	NOUN
ajbmeb-294	34	10	of	of	ADP
ajbmeb-294	34	11	the	the	DET
ajbmeb-294	34	12	target	target	NOUN
ajbmeb-294	34	13	cost	cost	NOUN
ajbmeb-294	34	14	approach	approach	NOUN
ajbmeb-294	34	15	leads	lead	VERB
ajbmeb-294	34	16	to	to	ADP
ajbmeb-294	34	17	improving	improve	VERB
ajbmeb-294	34	18	the	the	DET
ajbmeb-294	34	19	competitive	competitive	ADJ
ajbmeb-294	34	20	position	position	NOUN
ajbmeb-294	34	21	and	and	CCONJ
ajbmeb-294	34	22	reducing	reduce	VERB
ajbmeb-294	34	23	costs	cost	NOUN
ajbmeb-294	34	24	for	for	ADP
ajbmeb-294	34	25	banking	banking	NOUN
ajbmeb-294	34	26	services	service	NOUN
ajbmeb-294	34	27	and	and	CCONJ
ajbmeb-294	34	28	thus	thus	ADV
ajbmeb-294	34	29	creating	create	VERB
ajbmeb-294	34	30	a	a	DET
ajbmeb-294	34	31	sustainable	sustainable	ADJ
ajbmeb-294	34	32	competitive	competitive	ADJ
ajbmeb-294	34	33	advantage	advantage	NOUN
ajbmeb-294	34	34	in	in	ADP
ajbmeb-294	34	35	addition	addition	NOUN
ajbmeb-294	34	36	to	to	ADP
ajbmeb-294	34	37	increasing	increase	VERB
ajbmeb-294	34	38	quality	quality	NOUN
ajbmeb-294	34	39	and	and	CCONJ
ajbmeb-294	34	40	offering	offer	VERB
ajbmeb-294	34	41	services	service	NOUN
ajbmeb-294	34	42	to	to	ADP
ajbmeb-294	34	43	banking	bank	VERB
ajbmeb-294	34	44	financial	financial	ADJ
ajbmeb-294	34	45	markets	market	NOUN
ajbmeb-294	34	46	where	where	SCONJ
ajbmeb-294	34	47	a	a	DET
ajbmeb-294	34	48	sustainable	sustainable	ADJ
ajbmeb-294	34	49	competitive	competitive	ADJ
ajbmeb-294	34	50	environment	environment	NOUN
ajbmeb-294	34	51	.	.	PUNCT
ajbmeb-294	35	1	the	the	DET
ajbmeb-294	35	2	study	study	NOUN
ajbmeb-294	35	3	attempts	attempt	VERB
ajbmeb-294	35	4	to	to	PART
ajbmeb-294	35	5	test	test	VERB
ajbmeb-294	35	6	the	the	DET
ajbmeb-294	35	7	following	follow	VERB
ajbmeb-294	35	8	hypotheses	hypothesis	NOUN
ajbmeb-294	35	9	:	:	PUNCT
ajbmeb-294	35	10	the	the	DET
ajbmeb-294	35	11	main	main	ADJ
ajbmeb-294	35	12	hypothesis(h01	hypothesis(h01	NOUN
ajbmeb-294	35	13	):	):	PUNCT
ajbmeb-294	35	14	there	there	PRON
ajbmeb-294	35	15	is	be	VERB
ajbmeb-294	35	16	no	no	DET
ajbmeb-294	35	17	effect	effect	NOUN
ajbmeb-294	35	18	of	of	ADP
ajbmeb-294	35	19	the	the	DET
ajbmeb-294	35	20	target	target	NOUN
ajbmeb-294	35	21	cost	cost	NOUN
ajbmeb-294	35	22	variables	variable	NOUN
ajbmeb-294	35	23	(	(	PUNCT
ajbmeb-294	35	24	pricing	pricing	NOUN
ajbmeb-294	35	25	of	of	ADP
ajbmeb-294	35	26	banking	banking	NOUN
ajbmeb-294	35	27	services	service	NOUN
ajbmeb-294	35	28	,	,	PUNCT
ajbmeb-294	35	29	profitability	profitability	NOUN
ajbmeb-294	35	30	in	in	ADP
ajbmeb-294	35	31	banks	bank	NOUN
ajbmeb-294	35	32	,	,	PUNCT
ajbmeb-294	35	33	attracting	attract	VERB
ajbmeb-294	35	34	new	new	ADJ
ajbmeb-294	35	35	customers	customer	NOUN
ajbmeb-294	35	36	and	and	CCONJ
ajbmeb-294	35	37	maintaining	maintain	VERB
ajbmeb-294	35	38	existing	exist	VERB
ajbmeb-294	35	39	customers	customer	NOUN
ajbmeb-294	35	40	)	)	PUNCT
ajbmeb-294	35	41	on	on	ADP
ajbmeb-294	35	42	the	the	DET
ajbmeb-294	35	43	competitive	competitive	ADJ
ajbmeb-294	35	44	advantage	advantage	NOUN
ajbmeb-294	35	45	in	in	ADP
ajbmeb-294	35	46	commercial	commercial	ADJ
ajbmeb-294	35	47	banks	bank	NOUN
ajbmeb-294	35	48	in	in	ADP
ajbmeb-294	35	49	iraq	iraq	PROPN
ajbmeb-294	35	50	at	at	ADP
ajbmeb-294	35	51	a	a	DET
ajbmeb-294	35	52	level	level	NOUN
ajbmeb-294	35	53	of	of	ADP
ajbmeb-294	35	54	statistical	statistical	ADJ
ajbmeb-294	35	55	significance	significance	NOUN
ajbmeb-294	35	56	α	α	PRON
ajbmeb-294	35	57	≤	≤	NUM
ajbmeb-294	35	58	0.05	0.05	NUM
ajbmeb-294	35	59	.	.	PUNCT
ajbmeb-294	36	1	the	the	DET
ajbmeb-294	36	2	following	follow	VERB
ajbmeb-294	36	3	sub	sub	NOUN
ajbmeb-294	36	4	-	-	NOUN
ajbmeb-294	36	5	hypotheses	hypothesis	NOUN
ajbmeb-294	36	6	are	be	AUX
ajbmeb-294	36	7	derived	derive	VERB
ajbmeb-294	36	8	from	from	ADP
ajbmeb-294	36	9	it	it	PRON
ajbmeb-294	36	10	:	:	PUNCT
ajbmeb-294	36	11	1the	1the	NUM
ajbmeb-294	36	12	first	first	ADJ
ajbmeb-294	36	13	sub	sub	NOUN
ajbmeb-294	36	14	-	-	NOUN
ajbmeb-294	36	15	hypothesis	hypothesis	NOUN
ajbmeb-294	36	16	(	(	PUNCT
ajbmeb-294	36	17	h01.1	h01.1	PROPN
ajbmeb-294	36	18	):	):	PUNCT
ajbmeb-294	36	19	there	there	PRON
ajbmeb-294	36	20	is	be	VERB
ajbmeb-294	36	21	no	no	DET
ajbmeb-294	36	22	effect	effect	NOUN
ajbmeb-294	36	23	of	of	ADP
ajbmeb-294	36	24	the	the	DET
ajbmeb-294	36	25	target	target	NOUN
ajbmeb-294	36	26	cost	cost	NOUN
ajbmeb-294	36	27	variables	variable	NOUN
ajbmeb-294	36	28	represented	represent	VERB
ajbmeb-294	36	29	by	by	ADP
ajbmeb-294	36	30	(	(	PUNCT
ajbmeb-294	36	31	the	the	DET
ajbmeb-294	36	32	pricing	pricing	NOUN
ajbmeb-294	36	33	of	of	ADP
ajbmeb-294	36	34	banking	banking	NOUN
ajbmeb-294	36	35	services	service	NOUN
ajbmeb-294	36	36	,	,	PUNCT
ajbmeb-294	36	37	profitability	profitability	NOUN
ajbmeb-294	36	38	in	in	ADP
ajbmeb-294	36	39	banks	bank	NOUN
ajbmeb-294	36	40	,	,	PUNCT
ajbmeb-294	36	41	attracting	attract	VERB
ajbmeb-294	36	42	new	new	ADJ
ajbmeb-294	36	43	customers	customer	NOUN
ajbmeb-294	36	44	and	and	CCONJ
ajbmeb-294	36	45	maintaining	maintain	VERB
ajbmeb-294	36	46	american	american	ADJ
ajbmeb-294	36	47	journal	journal	PROPN
ajbmeb-294	36	48	of	of	ADP
ajbmeb-294	36	49	business	business	NOUN
ajbmeb-294	36	50	management	management	NOUN
ajbmeb-294	36	51	,	,	PUNCT
ajbmeb-294	36	52	economics	economic	NOUN
ajbmeb-294	36	53	and	and	CCONJ
ajbmeb-294	36	54	banking	banking	NOUN
ajbmeb-294	36	55	volume	volume	NOUN
ajbmeb-294	36	56	8	8	NUM
ajbmeb-294	36	57	,	,	PUNCT
ajbmeb-294	36	58	jan	jan	PROPN
ajbmeb-294	36	59	.	.	PROPN
ajbmeb-294	36	60	,	,	PUNCT
ajbmeb-294	36	61	2023	2023	NUM
ajbmeb-294	36	62	p	p	NOUN
ajbmeb-294	36	63	a	a	DET
ajbmeb-294	36	64	g	g	NOUN
ajbmeb-294	36	65	e	e	NOUN
ajbmeb-294	36	66	|	|	NOUN
ajbmeb-294	36	67	21	21	NUM
ajbmeb-294	36	68	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	36	69	existing	exist	VERB
ajbmeb-294	36	70	customers	customer	NOUN
ajbmeb-294	36	71	)	)	PUNCT
ajbmeb-294	36	72	on	on	ADP
ajbmeb-294	36	73	the	the	DET
ajbmeb-294	36	74	cost	cost	NOUN
ajbmeb-294	36	75	variable	variable	NOUN
ajbmeb-294	36	76	in	in	ADP
ajbmeb-294	36	77	commercial	commercial	ADJ
ajbmeb-294	36	78	banks	bank	NOUN
ajbmeb-294	36	79	in	in	ADP
ajbmeb-294	36	80	iraq	iraq	PROPN
ajbmeb-294	36	81	at	at	ADP
ajbmeb-294	36	82	the	the	DET
ajbmeb-294	36	83	level	level	NOUN
ajbmeb-294	36	84	of	of	ADP
ajbmeb-294	36	85	statistical	statistical	ADJ
ajbmeb-294	36	86	significance	significance	NOUN
ajbmeb-294	36	87	α	α	PRON
ajbmeb-294	36	88	≤	≤	NUM
ajbmeb-294	36	89	0.05	0.05	NUM
ajbmeb-294	36	90	.	.	PUNCT
ajbmeb-294	37	1	2the	2the	DET
ajbmeb-294	37	2	second	second	ADJ
ajbmeb-294	37	3	sub	sub	NOUN
ajbmeb-294	37	4	-	-	NOUN
ajbmeb-294	37	5	hypothesis	hypothesis	NOUN
ajbmeb-294	37	6	(	(	PUNCT
ajbmeb-294	37	7	h01.2	h01.2	NOUN
ajbmeb-294	37	8	):	):	PUNCT
ajbmeb-294	37	9	there	there	PRON
ajbmeb-294	37	10	is	be	VERB
ajbmeb-294	37	11	no	no	DET
ajbmeb-294	37	12	effect	effect	NOUN
ajbmeb-294	37	13	of	of	ADP
ajbmeb-294	37	14	the	the	DET
ajbmeb-294	37	15	target	target	NOUN
ajbmeb-294	37	16	cost	cost	NOUN
ajbmeb-294	37	17	variables	variable	NOUN
ajbmeb-294	37	18	represented	represent	VERB
ajbmeb-294	37	19	by	by	ADP
ajbmeb-294	37	20	(	(	PUNCT
ajbmeb-294	37	21	the	the	DET
ajbmeb-294	37	22	pricing	pricing	NOUN
ajbmeb-294	37	23	of	of	ADP
ajbmeb-294	37	24	banking	banking	NOUN
ajbmeb-294	37	25	services	service	NOUN
ajbmeb-294	37	26	,	,	PUNCT
ajbmeb-294	37	27	profitability	profitability	NOUN
ajbmeb-294	37	28	in	in	ADP
ajbmeb-294	37	29	banks	bank	NOUN
ajbmeb-294	37	30	,	,	PUNCT
ajbmeb-294	37	31	attracting	attract	VERB
ajbmeb-294	37	32	new	new	ADJ
ajbmeb-294	37	33	customers	customer	NOUN
ajbmeb-294	37	34	and	and	CCONJ
ajbmeb-294	37	35	maintaining	maintain	VERB
ajbmeb-294	37	36	existing	exist	VERB
ajbmeb-294	37	37	customers	customer	NOUN
ajbmeb-294	37	38	)	)	PUNCT
ajbmeb-294	37	39	on	on	ADP
ajbmeb-294	37	40	the	the	DET
ajbmeb-294	37	41	quality	quality	NOUN
ajbmeb-294	37	42	variable	variable	NOUN
ajbmeb-294	37	43	in	in	ADP
ajbmeb-294	37	44	commercial	commercial	ADJ
ajbmeb-294	37	45	banks	bank	NOUN
ajbmeb-294	37	46	in	in	ADP
ajbmeb-294	37	47	iraq	iraq	PROPN
ajbmeb-294	37	48	at	at	ADP
ajbmeb-294	37	49	the	the	DET
ajbmeb-294	37	50	level	level	NOUN
ajbmeb-294	37	51	of	of	ADP
ajbmeb-294	37	52	statistical	statistical	ADJ
ajbmeb-294	37	53	significance	significance	NOUN
ajbmeb-294	37	54	α	α	PRON
ajbmeb-294	37	55	≤	≤	NUM
ajbmeb-294	37	56	0.05	0.05	NUM
ajbmeb-294	37	57	.	.	PUNCT
ajbmeb-294	38	1	3the	3the	NUM
ajbmeb-294	38	2	third	third	ADJ
ajbmeb-294	38	3	sub	sub	NOUN
ajbmeb-294	38	4	-	-	NOUN
ajbmeb-294	38	5	hypothesis	hypothesis	NOUN
ajbmeb-294	38	6	(	(	PUNCT
ajbmeb-294	38	7	h01.3	h01.3	PROPN
ajbmeb-294	38	8	):	):	PUNCT
ajbmeb-294	38	9	there	there	PRON
ajbmeb-294	38	10	is	be	VERB
ajbmeb-294	38	11	no	no	DET
ajbmeb-294	38	12	effect	effect	NOUN
ajbmeb-294	38	13	of	of	ADP
ajbmeb-294	38	14	the	the	DET
ajbmeb-294	38	15	target	target	NOUN
ajbmeb-294	38	16	cost	cost	NOUN
ajbmeb-294	38	17	variables	variable	NOUN
ajbmeb-294	38	18	represented	represent	VERB
ajbmeb-294	38	19	by	by	ADP
ajbmeb-294	38	20	(	(	PUNCT
ajbmeb-294	38	21	the	the	DET
ajbmeb-294	38	22	pricing	pricing	NOUN
ajbmeb-294	38	23	of	of	ADP
ajbmeb-294	38	24	banking	banking	NOUN
ajbmeb-294	38	25	services	service	NOUN
ajbmeb-294	38	26	,	,	PUNCT
ajbmeb-294	38	27	profitability	profitability	NOUN
ajbmeb-294	38	28	at	at	ADP
ajbmeb-294	38	29	banks	bank	NOUN
ajbmeb-294	38	30	,	,	PUNCT
ajbmeb-294	38	31	attracting	attract	VERB
ajbmeb-294	38	32	new	new	ADJ
ajbmeb-294	38	33	customers	customer	NOUN
ajbmeb-294	38	34	and	and	CCONJ
ajbmeb-294	38	35	maintaining	maintain	VERB
ajbmeb-294	38	36	existing	exist	VERB
ajbmeb-294	38	37	customers	customer	NOUN
ajbmeb-294	38	38	)	)	PUNCT
ajbmeb-294	38	39	on	on	ADP
ajbmeb-294	38	40	the	the	DET
ajbmeb-294	38	41	creativity	creativity	NOUN
ajbmeb-294	38	42	variable	variable	NOUN
ajbmeb-294	38	43	in	in	ADP
ajbmeb-294	38	44	commercial	commercial	ADJ
ajbmeb-294	38	45	banks	bank	NOUN
ajbmeb-294	38	46	in	in	ADP
ajbmeb-294	38	47	iraq	iraq	PROPN
ajbmeb-294	38	48	at	at	ADP
ajbmeb-294	38	49	a	a	DET
ajbmeb-294	38	50	statistical	statistical	ADJ
ajbmeb-294	38	51	significance	significance	NOUN
ajbmeb-294	38	52	level	level	NOUN
ajbmeb-294	38	53	of	of	ADP
ajbmeb-294	38	54	α	α	PRON
ajbmeb-294	38	55	≤	≤	NUM
ajbmeb-294	38	56	0.05	0.05	NUM
ajbmeb-294	38	57	.	.	PUNCT
ajbmeb-294	39	1	4fourth	4fourth	NUM
ajbmeb-294	39	2	sub	sub	NOUN
ajbmeb-294	39	3	-	-	NOUN
ajbmeb-294	39	4	hypothesis	hypothesis	NOUN
ajbmeb-294	39	5	(	(	PUNCT
ajbmeb-294	39	6	h01.4	h01.4	PROPN
ajbmeb-294	39	7	):	):	PUNCT
ajbmeb-294	39	8	there	there	PRON
ajbmeb-294	39	9	is	be	VERB
ajbmeb-294	39	10	no	no	DET
ajbmeb-294	39	11	effect	effect	NOUN
ajbmeb-294	39	12	of	of	ADP
ajbmeb-294	39	13	the	the	DET
ajbmeb-294	39	14	target	target	NOUN
ajbmeb-294	39	15	cost	cost	NOUN
ajbmeb-294	39	16	variables	variable	NOUN
ajbmeb-294	39	17	represented	represent	VERB
ajbmeb-294	39	18	by	by	ADP
ajbmeb-294	39	19	(	(	PUNCT
ajbmeb-294	39	20	the	the	DET
ajbmeb-294	39	21	pricing	pricing	NOUN
ajbmeb-294	39	22	of	of	ADP
ajbmeb-294	39	23	banking	banking	NOUN
ajbmeb-294	39	24	services	service	NOUN
ajbmeb-294	39	25	,	,	PUNCT
ajbmeb-294	39	26	profitability	profitability	NOUN
ajbmeb-294	39	27	at	at	ADP
ajbmeb-294	39	28	banks	bank	NOUN
ajbmeb-294	39	29	,	,	PUNCT
ajbmeb-294	39	30	attracting	attract	VERB
ajbmeb-294	39	31	new	new	ADJ
ajbmeb-294	39	32	customers	customer	NOUN
ajbmeb-294	39	33	and	and	CCONJ
ajbmeb-294	39	34	maintaining	maintain	VERB
ajbmeb-294	39	35	existing	exist	VERB
ajbmeb-294	39	36	customers	customer	NOUN
ajbmeb-294	39	37	)	)	PUNCT
ajbmeb-294	39	38	on	on	ADP
ajbmeb-294	39	39	the	the	DET
ajbmeb-294	39	40	flexibility	flexibility	NOUN
ajbmeb-294	39	41	variable	variable	NOUN
ajbmeb-294	39	42	in	in	ADP
ajbmeb-294	39	43	commercial	commercial	ADJ
ajbmeb-294	39	44	banks	bank	NOUN
ajbmeb-294	39	45	in	in	ADP
ajbmeb-294	39	46	iraq	iraq	PROPN
ajbmeb-294	39	47	at	at	ADP
ajbmeb-294	39	48	the	the	DET
ajbmeb-294	39	49	level	level	NOUN
ajbmeb-294	39	50	of	of	ADP
ajbmeb-294	39	51	statistical	statistical	ADJ
ajbmeb-294	39	52	significance	significance	NOUN
ajbmeb-294	39	53	α	α	PRON
ajbmeb-294	39	54	≤	≤	NUM
ajbmeb-294	39	55	0.05	0.05	NUM
ajbmeb-294	39	56	.	.	PUNCT
ajbmeb-294	40	1	5the	5the	NUM
ajbmeb-294	40	2	fifth	fifth	ADJ
ajbmeb-294	40	3	sub	sub	NOUN
ajbmeb-294	40	4	-	-	NOUN
ajbmeb-294	40	5	hypothesis	hypothesis	NOUN
ajbmeb-294	40	6	(	(	PUNCT
ajbmeb-294	40	7	h01.5	h01.5	PROPN
ajbmeb-294	40	8	):	):	PUNCT
ajbmeb-294	40	9	there	there	PRON
ajbmeb-294	40	10	is	be	VERB
ajbmeb-294	40	11	no	no	DET
ajbmeb-294	40	12	effect	effect	NOUN
ajbmeb-294	40	13	of	of	ADP
ajbmeb-294	40	14	the	the	DET
ajbmeb-294	40	15	target	target	NOUN
ajbmeb-294	40	16	cost	cost	NOUN
ajbmeb-294	40	17	variables	variable	NOUN
ajbmeb-294	40	18	represented	represent	VERB
ajbmeb-294	40	19	by	by	ADP
ajbmeb-294	40	20	(	(	PUNCT
ajbmeb-294	40	21	the	the	DET
ajbmeb-294	40	22	pricing	pricing	NOUN
ajbmeb-294	40	23	of	of	ADP
ajbmeb-294	40	24	banking	banking	NOUN
ajbmeb-294	40	25	services	service	NOUN
ajbmeb-294	40	26	,	,	PUNCT
ajbmeb-294	40	27	profitability	profitability	NOUN
ajbmeb-294	40	28	in	in	ADP
ajbmeb-294	40	29	banks	bank	NOUN
ajbmeb-294	40	30	,	,	PUNCT
ajbmeb-294	40	31	attracting	attract	VERB
ajbmeb-294	40	32	new	new	ADJ
ajbmeb-294	40	33	customers	customer	NOUN
ajbmeb-294	40	34	and	and	CCONJ
ajbmeb-294	40	35	maintaining	maintain	VERB
ajbmeb-294	40	36	existing	exist	VERB
ajbmeb-294	40	37	customers	customer	NOUN
ajbmeb-294	40	38	)	)	PUNCT
ajbmeb-294	40	39	on	on	ADP
ajbmeb-294	40	40	the	the	DET
ajbmeb-294	40	41	time	time	NOUN
ajbmeb-294	40	42	variable	variable	NOUN
ajbmeb-294	40	43	in	in	ADP
ajbmeb-294	40	44	commercial	commercial	ADJ
ajbmeb-294	40	45	banks	bank	NOUN
ajbmeb-294	40	46	in	in	ADP
ajbmeb-294	40	47	iraq	iraq	PROPN
ajbmeb-294	40	48	at	at	ADP
ajbmeb-294	40	49	the	the	DET
ajbmeb-294	40	50	level	level	NOUN
ajbmeb-294	40	51	of	of	ADP
ajbmeb-294	40	52	statistical	statistical	ADJ
ajbmeb-294	40	53	significance	significance	NOUN
ajbmeb-294	40	54	α	α	PRON
ajbmeb-294	40	55	≤	≤	NUM
ajbmeb-294	40	56	0.05	0.05	NUM
ajbmeb-294	40	57	.	.	PUNCT
ajbmeb-294	41	1	theoretical	theoretical	ADJ
ajbmeb-294	41	2	aspect	aspect	NOUN
ajbmeb-294	41	3	:	:	PUNCT
ajbmeb-294	41	4	target	target	NOUN
ajbmeb-294	41	5	cost	cost	NOUN
ajbmeb-294	41	6	target	target	NOUN
ajbmeb-294	41	7	cost	cost	NOUN
ajbmeb-294	41	8	concept	concept	NOUN
ajbmeb-294	41	9	:	:	PUNCT
ajbmeb-294	41	10	there	there	PRON
ajbmeb-294	41	11	are	be	VERB
ajbmeb-294	41	12	many	many	ADJ
ajbmeb-294	41	13	concepts	concept	NOUN
ajbmeb-294	41	14	explaining	explain	VERB
ajbmeb-294	41	15	the	the	DET
ajbmeb-294	41	16	target	target	NOUN
ajbmeb-294	41	17	cost	cost	NOUN
ajbmeb-294	41	18	.	.	PUNCT
ajbmeb-294	42	1	(	(	PUNCT
ajbmeb-294	42	2	horngern	horngern	ADJ
ajbmeb-294	42	3	)	)	PUNCT
ajbmeb-294	42	4	defined	define	VERB
ajbmeb-294	42	5	it	it	PRON
ajbmeb-294	42	6	as	as	ADP
ajbmeb-294	42	7	the	the	DET
ajbmeb-294	42	8	estimated	estimate	VERB
ajbmeb-294	42	9	long	long	ADJ
ajbmeb-294	42	10	-	-	PUNCT
ajbmeb-294	42	11	term	term	NOUN
ajbmeb-294	42	12	costs	cost	NOUN
ajbmeb-294	42	13	of	of	ADP
ajbmeb-294	42	14	a	a	DET
ajbmeb-294	42	15	particular	particular	ADJ
ajbmeb-294	42	16	product	product	NOUN
ajbmeb-294	42	17	or	or	CCONJ
ajbmeb-294	42	18	service	service	NOUN
ajbmeb-294	42	19	,	,	PUNCT
ajbmeb-294	42	20	if	if	SCONJ
ajbmeb-294	42	21	it	it	PRON
ajbmeb-294	42	22	is	be	AUX
ajbmeb-294	42	23	provided	provide	VERB
ajbmeb-294	42	24	to	to	ADP
ajbmeb-294	42	25	customers	customer	NOUN
ajbmeb-294	42	26	,	,	PUNCT
ajbmeb-294	42	27	that	that	PRON
ajbmeb-294	42	28	enables	enable	VERB
ajbmeb-294	42	29	the	the	DET
ajbmeb-294	42	30	company	company	NOUN
ajbmeb-294	42	31	to	to	PART
ajbmeb-294	42	32	achieve	achieve	VERB
ajbmeb-294	42	33	a	a	DET
ajbmeb-294	42	34	target	target	NOUN
ajbmeb-294	42	35	income	income	NOUN
ajbmeb-294	42	36	,	,	PUNCT
ajbmeb-294	42	37	the	the	DET
ajbmeb-294	42	38	target	target	NOUN
ajbmeb-294	42	39	profit	profit	NOUN
ajbmeb-294	42	40	margin	margin	NOUN
ajbmeb-294	42	41	is	be	AUX
ajbmeb-294	42	42	subtracted	subtract	VERB
ajbmeb-294	42	43	from	from	ADP
ajbmeb-294	42	44	the	the	DET
ajbmeb-294	42	45	target	target	NOUN
ajbmeb-294	42	46	price	price	NOUN
ajbmeb-294	42	47	to	to	PART
ajbmeb-294	42	48	arrive	arrive	VERB
ajbmeb-294	42	49	at	at	ADP
ajbmeb-294	42	50	this	this	DET
ajbmeb-294	42	51	required	require	VERB
ajbmeb-294	42	52	cost	cost	NOUN
ajbmeb-294	42	53	.	.	PUNCT
ajbmeb-294	43	1	the	the	DET
ajbmeb-294	43	2	target	target	NOUN
ajbmeb-294	43	3	price	price	NOUN
ajbmeb-294	43	4	was	be	AUX
ajbmeb-294	43	5	also	also	ADV
ajbmeb-294	43	6	defined	define	VERB
ajbmeb-294	43	7	as	as	ADP
ajbmeb-294	43	8	the	the	DET
ajbmeb-294	43	9	estimated	estimate	VERB
ajbmeb-294	43	10	price	price	NOUN
ajbmeb-294	43	11	for	for	ADP
ajbmeb-294	43	12	a	a	DET
ajbmeb-294	43	13	product	product	NOUN
ajbmeb-294	43	14	or	or	CCONJ
ajbmeb-294	43	15	service	service	NOUN
ajbmeb-294	43	16	that	that	PRON
ajbmeb-294	43	17	prospective	prospective	ADJ
ajbmeb-294	43	18	customers	customer	NOUN
ajbmeb-294	43	19	are	be	AUX
ajbmeb-294	43	20	willing	willing	ADJ
ajbmeb-294	43	21	to	to	PART
ajbmeb-294	43	22	pay	pay	VERB
ajbmeb-294	43	23	,	,	PUNCT
ajbmeb-294	43	24	and	and	CCONJ
ajbmeb-294	43	25	this	this	DET
ajbmeb-294	43	26	estimate	estimate	NOUN
ajbmeb-294	43	27	is	be	AUX
ajbmeb-294	43	28	based	base	VERB
ajbmeb-294	43	29	on	on	ADP
ajbmeb-294	43	30	customers	customer	NOUN
ajbmeb-294	43	31	'	'	PART
ajbmeb-294	43	32	understanding	understanding	NOUN
ajbmeb-294	43	33	and	and	CCONJ
ajbmeb-294	43	34	perception	perception	NOUN
ajbmeb-294	43	35	of	of	ADP
ajbmeb-294	43	36	the	the	DET
ajbmeb-294	43	37	value	value	NOUN
ajbmeb-294	43	38	of	of	ADP
ajbmeb-294	43	39	this	this	DET
ajbmeb-294	43	40	product	product	NOUN
ajbmeb-294	43	41	or	or	CCONJ
ajbmeb-294	43	42	service	service	NOUN
ajbmeb-294	43	43	(	(	PUNCT
ajbmeb-294	43	44	horngren	horngren	PROPN
ajbmeb-294	43	45	,	,	PUNCT
ajbmeb-294	43	46	et.al	et.al	PROPN
ajbmeb-294	43	47	:	:	PUNCT
ajbmeb-294	43	48	2006,680	2006,680	NUM
ajbmeb-294	43	49	)	)	PUNCT
ajbmeb-294	43	50	.	.	PUNCT
ajbmeb-294	44	1	(	(	PUNCT
ajbmeb-294	44	2	hilton	hilton	PROPN
ajbmeb-294	44	3	,	,	PUNCT
ajbmeb-294	44	4	r.	r.	PROPN
ajbmeb-294	44	5	w	w	PROPN
ajbmeb-294	44	6	,	,	PUNCT
ajbmeb-294	44	7	2002	2002	NUM
ajbmeb-294	44	8	)	)	PUNCT
ajbmeb-294	44	9	recognizing	recognize	VERB
ajbmeb-294	44	10	that	that	SCONJ
ajbmeb-294	44	11	the	the	DET
ajbmeb-294	44	12	target	target	NOUN
ajbmeb-294	44	13	cost	cost	NOUN
ajbmeb-294	44	14	is	be	AUX
ajbmeb-294	44	15	a	a	DET
ajbmeb-294	44	16	useful	useful	ADJ
ajbmeb-294	44	17	tool	tool	NOUN
ajbmeb-294	44	18	for	for	ADP
ajbmeb-294	44	19	pricing	pricing	NOUN
ajbmeb-294	44	20	,	,	PUNCT
ajbmeb-294	44	21	particularly	particularly	ADV
ajbmeb-294	44	22	in	in	ADP
ajbmeb-294	44	23	commercial	commercial	ADJ
ajbmeb-294	44	24	markets	market	NOUN
ajbmeb-294	44	25	with	with	ADP
ajbmeb-294	44	26	high	high	ADJ
ajbmeb-294	44	27	levels	level	NOUN
ajbmeb-294	44	28	of	of	ADP
ajbmeb-294	44	29	competition	competition	NOUN
ajbmeb-294	44	30	,	,	PUNCT
ajbmeb-294	44	31	where	where	SCONJ
ajbmeb-294	44	32	the	the	DET
ajbmeb-294	44	33	prospects	prospect	NOUN
ajbmeb-294	44	34	for	for	ADP
ajbmeb-294	44	35	the	the	DET
ajbmeb-294	44	36	success	success	NOUN
ajbmeb-294	44	37	of	of	ADP
ajbmeb-294	44	38	the	the	DET
ajbmeb-294	44	39	product	product	NOUN
ajbmeb-294	44	40	or	or	CCONJ
ajbmeb-294	44	41	service	service	NOUN
ajbmeb-294	44	42	provide	provide	VERB
ajbmeb-294	44	43	,	,	PUNCT
ajbmeb-294	44	44	prior	prior	ADV
ajbmeb-294	44	45	to	to	ADP
ajbmeb-294	44	46	the	the	DET
ajbmeb-294	44	47	allocation	allocation	NOUN
ajbmeb-294	44	48	of	of	ADP
ajbmeb-294	44	49	productive	productive	ADJ
ajbmeb-294	44	50	resources	resource	NOUN
ajbmeb-294	44	51	to	to	ADP
ajbmeb-294	44	52	it	it	PRON
ajbmeb-294	44	53	,	,	PUNCT
ajbmeb-294	44	54	in	in	ADP
ajbmeb-294	44	55	contrast	contrast	NOUN
ajbmeb-294	44	56	to	to	ADP
ajbmeb-294	44	57	pricing	pricing	NOUN
ajbmeb-294	44	58	on	on	ADP
ajbmeb-294	44	59	the	the	DET
ajbmeb-294	44	60	basis	basis	NOUN
ajbmeb-294	44	61	of	of	ADP
ajbmeb-294	44	62	cost	cost	NOUN
ajbmeb-294	44	63	.	.	PUNCT
ajbmeb-294	45	1	it	it	PRON
ajbmeb-294	45	2	is	be	AUX
ajbmeb-294	45	3	possible	possible	ADJ
ajbmeb-294	45	4	that	that	SCONJ
ajbmeb-294	45	5	the	the	DET
ajbmeb-294	45	6	bank	bank	NOUN
ajbmeb-294	45	7	will	will	AUX
ajbmeb-294	45	8	discover	discover	VERB
ajbmeb-294	45	9	that	that	SCONJ
ajbmeb-294	45	10	the	the	DET
ajbmeb-294	45	11	price	price	NOUN
ajbmeb-294	45	12	of	of	ADP
ajbmeb-294	45	13	the	the	DET
ajbmeb-294	45	14	service	service	NOUN
ajbmeb-294	45	15	is	be	AUX
ajbmeb-294	45	16	uncompetitive	uncompetitive	ADJ
ajbmeb-294	45	17	after	after	SCONJ
ajbmeb-294	45	18	the	the	DET
ajbmeb-294	45	19	materials	material	NOUN
ajbmeb-294	45	20	have	have	AUX
ajbmeb-294	45	21	been	be	AUX
ajbmeb-294	45	22	used	use	VERB
ajbmeb-294	45	23	in	in	ADP
ajbmeb-294	45	24	the	the	DET
ajbmeb-294	45	25	production	production	NOUN
ajbmeb-294	45	26	of	of	ADP
ajbmeb-294	45	27	the	the	DET
ajbmeb-294	45	28	service	service	NOUN
ajbmeb-294	45	29	.	.	PUNCT
ajbmeb-294	46	1	in	in	ADP
ajbmeb-294	46	2	the	the	DET
ajbmeb-294	46	3	traditional	traditional	ADJ
ajbmeb-294	46	4	approach	approach	NOUN
ajbmeb-294	46	5	,	,	PUNCT
ajbmeb-294	46	6	the	the	DET
ajbmeb-294	46	7	cost	cost	NOUN
ajbmeb-294	46	8	is	be	AUX
ajbmeb-294	46	9	determined	determine	VERB
ajbmeb-294	46	10	and	and	CCONJ
ajbmeb-294	46	11	then	then	ADV
ajbmeb-294	46	12	a	a	DET
ajbmeb-294	46	13	profit	profit	NOUN
ajbmeb-294	46	14	margin	margin	NOUN
ajbmeb-294	46	15	is	be	AUX
ajbmeb-294	46	16	added	add	VERB
ajbmeb-294	46	17	to	to	PART
ajbmeb-294	46	18	reach	reach	VERB
ajbmeb-294	46	19	the	the	DET
ajbmeb-294	46	20	price	price	NOUN
ajbmeb-294	46	21	,	,	PUNCT
ajbmeb-294	46	22	but	but	CCONJ
ajbmeb-294	46	23	the	the	DET
ajbmeb-294	46	24	alternative	alternative	ADJ
ajbmeb-294	46	25	approach	approach	NOUN
ajbmeb-294	46	26	goes	go	VERB
ajbmeb-294	46	27	in	in	ADP
ajbmeb-294	46	28	the	the	DET
ajbmeb-294	46	29	opposite	opposite	ADJ
ajbmeb-294	46	30	direction	direction	NOUN
ajbmeb-294	46	31	.	.	PUNCT
ajbmeb-294	47	1	determining	determine	VERB
ajbmeb-294	47	2	the	the	DET
ajbmeb-294	47	3	price	price	NOUN
ajbmeb-294	47	4	precedes	precede	VERB
ajbmeb-294	47	5	the	the	DET
ajbmeb-294	47	6	cost	cost	NOUN
ajbmeb-294	47	7	,	,	PUNCT
ajbmeb-294	47	8	as	as	ADP
ajbmeb-294	47	9	the	the	DET
ajbmeb-294	47	10	pricing	pricing	NOUN
ajbmeb-294	47	11	process	process	NOUN
ajbmeb-294	47	12	according	accord	VERB
ajbmeb-294	47	13	to	to	ADP
ajbmeb-294	47	14	the	the	DET
ajbmeb-294	47	15	modern	modern	ADJ
ajbmeb-294	47	16	approach	approach	NOUN
ajbmeb-294	47	17	goes	go	VERB
ajbmeb-294	47	18	through	through	ADP
ajbmeb-294	47	19	the	the	DET
ajbmeb-294	47	20	following	follow	VERB
ajbmeb-294	47	21	stages	stage	NOUN
ajbmeb-294	47	22	:	:	PUNCT
ajbmeb-294	47	23	1	1	NUM
ajbmeb-294	47	24	defining	define	VERB
ajbmeb-294	47	25	the	the	DET
ajbmeb-294	47	26	product	product	NOUN
ajbmeb-294	47	27	or	or	CCONJ
ajbmeb-294	47	28	service	service	NOUN
ajbmeb-294	47	29	for	for	ADP
ajbmeb-294	47	30	which	which	PRON
ajbmeb-294	47	31	the	the	DET
ajbmeb-294	47	32	price	price	NOUN
ajbmeb-294	47	33	is	be	AUX
ajbmeb-294	47	34	to	to	PART
ajbmeb-294	47	35	be	be	AUX
ajbmeb-294	47	36	set	set	VERB
ajbmeb-294	47	37	.	.	PUNCT
ajbmeb-294	48	1	2	2	NUM
ajbmeb-294	48	2	determine	determine	VERB
ajbmeb-294	48	3	the	the	DET
ajbmeb-294	48	4	target	target	NOUN
ajbmeb-294	48	5	price	price	NOUN
ajbmeb-294	48	6	.	.	PUNCT
ajbmeb-294	49	1	3	3	NUM
ajbmeb-294	49	2	determine	determine	VERB
ajbmeb-294	49	3	the	the	DET
ajbmeb-294	49	4	target	target	NOUN
ajbmeb-294	49	5	cost	cost	NOUN
ajbmeb-294	49	6	by	by	ADP
ajbmeb-294	49	7	deducting	deduct	VERB
ajbmeb-294	49	8	the	the	DET
ajbmeb-294	49	9	desired	desire	VERB
ajbmeb-294	49	10	profit	profit	NOUN
ajbmeb-294	49	11	margin	margin	NOUN
ajbmeb-294	49	12	from	from	ADP
ajbmeb-294	49	13	the	the	DET
ajbmeb-294	49	14	target	target	NOUN
ajbmeb-294	49	15	price	price	NOUN
ajbmeb-294	49	16	.	.	PUNCT
ajbmeb-294	50	1	4	4	NUM
ajbmeb-294	50	2	service	service	NOUN
ajbmeb-294	50	3	design	design	NOUN
ajbmeb-294	50	4	and	and	CCONJ
ajbmeb-294	50	5	marketing	marketing	NOUN
ajbmeb-294	50	6	within	within	ADP
ajbmeb-294	50	7	the	the	DET
ajbmeb-294	50	8	framework	framework	NOUN
ajbmeb-294	50	9	of	of	ADP
ajbmeb-294	50	10	the	the	DET
ajbmeb-294	50	11	target	target	NOUN
ajbmeb-294	50	12	cost	cost	NOUN
ajbmeb-294	50	13	.	.	PUNCT
ajbmeb-294	51	1	from	from	ADP
ajbmeb-294	51	2	the	the	DET
ajbmeb-294	51	3	above	above	NOUN
ajbmeb-294	51	4	,	,	PUNCT
ajbmeb-294	51	5	it	it	PRON
ajbmeb-294	51	6	can	can	AUX
ajbmeb-294	51	7	be	be	AUX
ajbmeb-294	51	8	said	say	VERB
ajbmeb-294	51	9	that	that	SCONJ
ajbmeb-294	51	10	target	target	NOUN
ajbmeb-294	51	11	costing	cost	VERB
ajbmeb-294	51	12	is	be	AUX
ajbmeb-294	51	13	a	a	DET
ajbmeb-294	51	14	method	method	NOUN
ajbmeb-294	51	15	that	that	PRON
ajbmeb-294	51	16	aims	aim	VERB
ajbmeb-294	51	17	to	to	PART
ajbmeb-294	51	18	reduce	reduce	VERB
ajbmeb-294	51	19	product	product	NOUN
ajbmeb-294	51	20	costs	cost	NOUN
ajbmeb-294	51	21	in	in	ADP
ajbmeb-294	51	22	the	the	DET
ajbmeb-294	51	23	early	early	ADJ
ajbmeb-294	51	24	stages	stage	NOUN
ajbmeb-294	51	25	of	of	ADP
ajbmeb-294	51	26	the	the	DET
ajbmeb-294	51	27	product	product	NOUN
ajbmeb-294	51	28	or	or	CCONJ
ajbmeb-294	51	29	service	service	NOUN
ajbmeb-294	51	30	life	life	NOUN
ajbmeb-294	51	31	cycle	cycle	NOUN
ajbmeb-294	51	32	by	by	ADP
ajbmeb-294	51	33	making	make	VERB
ajbmeb-294	51	34	good	good	ADJ
ajbmeb-294	51	35	use	use	NOUN
ajbmeb-294	51	36	of	of	ADP
ajbmeb-294	51	37	available	available	ADJ
ajbmeb-294	51	38	resources	resource	NOUN
ajbmeb-294	51	39	,	,	PUNCT
ajbmeb-294	51	40	taking	take	VERB
ajbmeb-294	51	41	into	into	ADP
ajbmeb-294	51	42	account	account	NOUN
ajbmeb-294	51	43	the	the	DET
ajbmeb-294	51	44	level	level	NOUN
ajbmeb-294	51	45	of	of	ADP
ajbmeb-294	51	46	quality	quality	NOUN
ajbmeb-294	51	47	required	require	VERB
ajbmeb-294	51	48	,	,	PUNCT
ajbmeb-294	51	49	in	in	ADP
ajbmeb-294	51	50	light	light	NOUN
ajbmeb-294	51	51	of	of	ADP
ajbmeb-294	51	52	the	the	DET
ajbmeb-294	51	53	cost	cost	NOUN
ajbmeb-294	51	54	that	that	PRON
ajbmeb-294	51	55	customers	customer	NOUN
ajbmeb-294	51	56	accept	accept	VERB
ajbmeb-294	51	57	in	in	ADP
ajbmeb-294	51	58	order	order	NOUN
ajbmeb-294	51	59	to	to	PART
ajbmeb-294	51	60	achieve	achieve	VERB
ajbmeb-294	51	61	the	the	DET
ajbmeb-294	51	62	objectives	objective	NOUN
ajbmeb-294	51	63	of	of	ADP
ajbmeb-294	51	64	banks	bank	NOUN
ajbmeb-294	51	65	when	when	SCONJ
ajbmeb-294	51	66	providing	provide	VERB
ajbmeb-294	51	67	services	service	NOUN
ajbmeb-294	51	68	.	.	PUNCT
ajbmeb-294	52	1	the	the	DET
ajbmeb-294	52	2	target	target	NOUN
ajbmeb-294	52	3	cost	cost	NOUN
ajbmeb-294	52	4	differs	differ	NOUN
ajbmeb-294	52	5	from	from	ADP
ajbmeb-294	52	6	the	the	DET
ajbmeb-294	52	7	classical	classical	ADJ
ajbmeb-294	52	8	approach	approach	NOUN
ajbmeb-294	52	9	,	,	PUNCT
ajbmeb-294	52	10	since	since	SCONJ
ajbmeb-294	52	11	american	american	PROPN
ajbmeb-294	52	12	journal	journal	PROPN
ajbmeb-294	52	13	of	of	ADP
ajbmeb-294	52	14	business	business	NOUN
ajbmeb-294	52	15	management	management	NOUN
ajbmeb-294	52	16	,	,	PUNCT
ajbmeb-294	52	17	economics	economic	NOUN
ajbmeb-294	52	18	and	and	CCONJ
ajbmeb-294	52	19	banking	banking	NOUN
ajbmeb-294	52	20	volume	volume	NOUN
ajbmeb-294	52	21	8	8	NUM
ajbmeb-294	52	22	,	,	PUNCT
ajbmeb-294	52	23	jan	jan	PROPN
ajbmeb-294	52	24	.	.	PROPN
ajbmeb-294	52	25	,	,	PUNCT
ajbmeb-294	52	26	2023	2023	NUM
ajbmeb-294	52	27	p	p	NOUN
ajbmeb-294	52	28	a	a	DET
ajbmeb-294	52	29	g	g	NOUN
ajbmeb-294	52	30	e	e	NOUN
ajbmeb-294	53	1	|	|	NOUN
ajbmeb-294	53	2	22	22	NUM
ajbmeb-294	53	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	53	4	instead	instead	ADV
ajbmeb-294	53	5	of	of	ADP
ajbmeb-294	53	6	designing	design	VERB
ajbmeb-294	53	7	the	the	DET
ajbmeb-294	53	8	product	product	NOUN
ajbmeb-294	53	9	or	or	CCONJ
ajbmeb-294	53	10	service	service	NOUN
ajbmeb-294	53	11	,	,	PUNCT
ajbmeb-294	53	12	its	its	PRON
ajbmeb-294	53	13	cost	cost	NOUN
ajbmeb-294	53	14	is	be	AUX
ajbmeb-294	53	15	determined	determine	VERB
ajbmeb-294	53	16	,	,	PUNCT
ajbmeb-294	53	17	the	the	DET
ajbmeb-294	53	18	target	target	NOUN
ajbmeb-294	53	19	cost	cost	NOUN
ajbmeb-294	53	20	is	be	AUX
ajbmeb-294	53	21	determined	determine	VERB
ajbmeb-294	53	22	first	first	ADV
ajbmeb-294	53	23	,	,	PUNCT
ajbmeb-294	53	24	and	and	CCONJ
ajbmeb-294	53	25	then	then	ADV
ajbmeb-294	53	26	the	the	DET
ajbmeb-294	53	27	product	product	NOUN
ajbmeb-294	53	28	is	be	AUX
ajbmeb-294	53	29	designed	design	VERB
ajbmeb-294	53	30	.	.	PUNCT
ajbmeb-294	54	1	the	the	DET
ajbmeb-294	54	2	impact	impact	NOUN
ajbmeb-294	54	3	of	of	ADP
ajbmeb-294	54	4	the	the	DET
ajbmeb-294	54	5	target	target	NOUN
ajbmeb-294	54	6	cost	cost	NOUN
ajbmeb-294	54	7	can	can	AUX
ajbmeb-294	54	8	be	be	AUX
ajbmeb-294	54	9	measured	measure	VERB
ajbmeb-294	54	10	through	through	ADP
ajbmeb-294	54	11	the	the	DET
ajbmeb-294	54	12	following	follow	VERB
ajbmeb-294	54	13	dimensions	dimension	NOUN
ajbmeb-294	54	14	in	in	ADP
ajbmeb-294	54	15	commercial	commercial	ADJ
ajbmeb-294	54	16	banks	bank	NOUN
ajbmeb-294	54	17	and	and	CCONJ
ajbmeb-294	54	18	as	as	SCONJ
ajbmeb-294	54	19	follows	follow	VERB
ajbmeb-294	54	20	.	.	PUNCT
ajbmeb-294	55	1	first	first	ADV
ajbmeb-294	55	2	:	:	PUNCT
ajbmeb-294	55	3	pricing	pricing	NOUN
ajbmeb-294	55	4	of	of	ADP
ajbmeb-294	55	5	banking	banking	NOUN
ajbmeb-294	55	6	services	service	NOUN
ajbmeb-294	55	7	.	.	PUNCT
ajbmeb-294	56	1	second	second	ADV
ajbmeb-294	56	2	:	:	PUNCT
ajbmeb-294	56	3	the	the	DET
ajbmeb-294	56	4	profitability	profitability	NOUN
ajbmeb-294	56	5	of	of	ADP
ajbmeb-294	56	6	the	the	DET
ajbmeb-294	56	7	banks	bank	NOUN
ajbmeb-294	56	8	.	.	PUNCT
ajbmeb-294	57	1	third	third	ADV
ajbmeb-294	57	2	:	:	PUNCT
ajbmeb-294	57	3	attracting	attract	VERB
ajbmeb-294	57	4	new	new	ADJ
ajbmeb-294	57	5	customers	customer	NOUN
ajbmeb-294	57	6	and	and	CCONJ
ajbmeb-294	57	7	maintaining	maintain	VERB
ajbmeb-294	57	8	existing	exist	VERB
ajbmeb-294	57	9	customers	customer	NOUN
ajbmeb-294	57	10	(	(	PUNCT
ajbmeb-294	57	11	thompson	thompson	PROPN
ajbmeb-294	57	12	&	&	CCONJ
ajbmeb-294	57	13	strickland	strickland	PROPN
ajbmeb-294	57	14	:	:	PUNCT
ajbmeb-294	57	15	2003,140	2003,140	NUM
ajbmeb-294	57	16	)	)	PUNCT
ajbmeb-294	57	17	.	.	PUNCT
ajbmeb-294	58	1	target	target	NOUN
ajbmeb-294	58	2	cost	cost	NOUN
ajbmeb-294	58	3	dimensions	dimension	NOUN
ajbmeb-294	58	4	:	:	PUNCT
ajbmeb-294	58	5	1pricing	1pricing	NUM
ajbmeb-294	58	6	of	of	ADP
ajbmeb-294	58	7	banking	banking	NOUN
ajbmeb-294	58	8	services	service	NOUN
ajbmeb-294	58	9	banks	bank	NOUN
ajbmeb-294	58	10	achieve	achieve	VERB
ajbmeb-294	58	11	a	a	DET
ajbmeb-294	58	12	minimum	minimum	ADJ
ajbmeb-294	58	13	cost	cost	NOUN
ajbmeb-294	58	14	advantage	advantage	NOUN
ajbmeb-294	58	15	if	if	SCONJ
ajbmeb-294	58	16	they	they	PRON
ajbmeb-294	58	17	can	can	AUX
ajbmeb-294	58	18	reduce	reduce	VERB
ajbmeb-294	58	19	the	the	DET
ajbmeb-294	58	20	costs	cost	NOUN
ajbmeb-294	58	21	of	of	ADP
ajbmeb-294	58	22	their	their	PRON
ajbmeb-294	58	23	value	value	NOUN
ajbmeb-294	58	24	-	-	PUNCT
ajbmeb-294	58	25	producing	produce	VERB
ajbmeb-294	58	26	activities	activity	NOUN
ajbmeb-294	58	27	to	to	ADP
ajbmeb-294	58	28	the	the	DET
ajbmeb-294	58	29	lowest	low	ADJ
ajbmeb-294	58	30	levels	level	NOUN
ajbmeb-294	58	31	compared	compare	VERB
ajbmeb-294	58	32	to	to	ADP
ajbmeb-294	58	33	those	those	PRON
ajbmeb-294	58	34	achieved	achieve	VERB
ajbmeb-294	58	35	by	by	ADP
ajbmeb-294	58	36	their	their	PRON
ajbmeb-294	58	37	competitors	competitor	NOUN
ajbmeb-294	58	38	(	(	PUNCT
ajbmeb-294	58	39	m.	m.	NOUN
ajbmeb-294	58	40	porter	porter	NOUN
ajbmeb-294	58	41	:	:	PUNCT
ajbmeb-294	58	42	1993	1993	NUM
ajbmeb-294	58	43	,	,	PUNCT
ajbmeb-294	58	44	48	48	NUM
ajbmeb-294	58	45	)	)	PUNCT
ajbmeb-294	58	46	,	,	PUNCT
ajbmeb-294	58	47	which	which	PRON
ajbmeb-294	58	48	makes	make	VERB
ajbmeb-294	58	49	them	they	PRON
ajbmeb-294	58	50	able	able	ADJ
ajbmeb-294	58	51	to	to	PART
ajbmeb-294	58	52	charge	charge	VERB
ajbmeb-294	58	53	a	a	DET
ajbmeb-294	58	54	price	price	NOUN
ajbmeb-294	58	55	lower	low	ADJ
ajbmeb-294	58	56	than	than	ADP
ajbmeb-294	58	57	the	the	DET
ajbmeb-294	58	58	price	price	NOUN
ajbmeb-294	58	59	of	of	ADP
ajbmeb-294	58	60	competitors	competitor	NOUN
ajbmeb-294	58	61	while	while	SCONJ
ajbmeb-294	58	62	achieving	achieve	VERB
ajbmeb-294	58	63	the	the	DET
ajbmeb-294	58	64	same	same	ADJ
ajbmeb-294	58	65	level	level	NOUN
ajbmeb-294	58	66	of	of	ADP
ajbmeb-294	58	67	profit	profit	NOUN
ajbmeb-294	58	68	or	or	CCONJ
ajbmeb-294	58	69	achieving	achieve	VERB
ajbmeb-294	58	70	greater	great	ADJ
ajbmeb-294	58	71	returns	return	NOUN
ajbmeb-294	58	72	if	if	SCONJ
ajbmeb-294	58	73	competitors	competitor	NOUN
ajbmeb-294	58	74	resort	resort	VERB
ajbmeb-294	58	75	to	to	ADP
ajbmeb-294	58	76	similar	similar	ADJ
ajbmeb-294	58	77	prices	price	NOUN
ajbmeb-294	58	78	(	(	PUNCT
ajbmeb-294	58	79	charles	charle	NOUN
ajbmeb-294	58	80	and	and	CCONJ
ajbmeb-294	58	81	gareth	gareth	PROPN
ajbmeb-294	58	82	:	:	PUNCT
ajbmeb-294	58	83	2001	2001	NUM
ajbmeb-294	58	84	,	,	PUNCT
ajbmeb-294	58	85	150	150	NUM
ajbmeb-294	58	86	)	)	PUNCT
ajbmeb-294	58	87	.	.	PUNCT
ajbmeb-294	59	1	in	in	ADP
ajbmeb-294	59	2	order	order	NOUN
ajbmeb-294	59	3	for	for	SCONJ
ajbmeb-294	59	4	banks	bank	NOUN
ajbmeb-294	59	5	to	to	PART
ajbmeb-294	59	6	achieve	achieve	VERB
ajbmeb-294	59	7	this	this	DET
ajbmeb-294	59	8	advantage	advantage	NOUN
ajbmeb-294	59	9	,	,	PUNCT
ajbmeb-294	59	10	they	they	PRON
ajbmeb-294	59	11	must	must	AUX
ajbmeb-294	59	12	have	have	VERB
ajbmeb-294	59	13	a	a	DET
ajbmeb-294	59	14	good	good	ADJ
ajbmeb-294	59	15	understanding	understanding	NOUN
ajbmeb-294	59	16	and	and	CCONJ
ajbmeb-294	59	17	knowledge	knowledge	NOUN
ajbmeb-294	59	18	of	of	ADP
ajbmeb-294	59	19	critical	critical	ADJ
ajbmeb-294	59	20	activities	activity	NOUN
ajbmeb-294	59	21	in	in	ADP
ajbmeb-294	59	22	the	the	DET
ajbmeb-294	59	23	value	value	NOUN
ajbmeb-294	59	24	chain	chain	NOUN
ajbmeb-294	59	25	.	.	PUNCT
ajbmeb-294	60	1	the	the	DET
ajbmeb-294	60	2	cost	cost	NOUN
ajbmeb-294	60	3	of	of	ADP
ajbmeb-294	60	4	banking	banking	NOUN
ajbmeb-294	60	5	services	service	NOUN
ajbmeb-294	60	6	provided	provide	VERB
ajbmeb-294	60	7	to	to	ADP
ajbmeb-294	60	8	customers	customer	NOUN
ajbmeb-294	60	9	plays	play	VERB
ajbmeb-294	60	10	an	an	DET
ajbmeb-294	60	11	important	important	ADJ
ajbmeb-294	60	12	role	role	NOUN
ajbmeb-294	60	13	in	in	ADP
ajbmeb-294	60	14	pricing	pricing	NOUN
ajbmeb-294	60	15	decisions	decision	NOUN
ajbmeb-294	60	16	for	for	ADP
ajbmeb-294	60	17	services	service	NOUN
ajbmeb-294	60	18	,	,	PUNCT
ajbmeb-294	60	19	because	because	SCONJ
ajbmeb-294	60	20	the	the	DET
ajbmeb-294	60	21	bank	bank	NOUN
ajbmeb-294	60	22	can	can	AUX
ajbmeb-294	60	23	not	not	PART
ajbmeb-294	60	24	achieve	achieve	VERB
ajbmeb-294	60	25	returns	return	NOUN
ajbmeb-294	60	26	if	if	SCONJ
ajbmeb-294	60	27	the	the	DET
ajbmeb-294	60	28	pricing	pricing	NOUN
ajbmeb-294	60	29	is	be	AUX
ajbmeb-294	60	30	less	less	ADJ
ajbmeb-294	60	31	than	than	ADP
ajbmeb-294	60	32	costs	cost	NOUN
ajbmeb-294	60	33	,	,	PUNCT
ajbmeb-294	60	34	and	and	CCONJ
ajbmeb-294	60	35	the	the	DET
ajbmeb-294	60	36	pricing	pricing	NOUN
ajbmeb-294	60	37	approach	approach	NOUN
ajbmeb-294	60	38	is	be	AUX
ajbmeb-294	60	39	divided	divide	VERB
ajbmeb-294	60	40	on	on	ADP
ajbmeb-294	60	41	the	the	DET
ajbmeb-294	60	42	basis	basis	NOUN
ajbmeb-294	60	43	of	of	ADP
ajbmeb-294	60	44	cost	cost	NOUN
ajbmeb-294	60	45	into	into	ADP
ajbmeb-294	60	46	:	:	PUNCT
ajbmeb-294	60	47	athe	athe	ADJ
ajbmeb-294	60	48	traditional	traditional	ADJ
ajbmeb-294	60	49	curriculum	curriculum	NOUN
ajbmeb-294	60	50	in	in	ADP
ajbmeb-294	60	51	pricing	pricing	NOUN
ajbmeb-294	60	52	:	:	PUNCT
ajbmeb-294	60	53	it	it	PRON
ajbmeb-294	60	54	depends	depend	VERB
ajbmeb-294	60	55	on	on	ADP
ajbmeb-294	60	56	determining	determine	VERB
ajbmeb-294	60	57	the	the	DET
ajbmeb-294	60	58	total	total	ADJ
ajbmeb-294	60	59	cost	cost	NOUN
ajbmeb-294	60	60	of	of	ADP
ajbmeb-294	60	61	the	the	DET
ajbmeb-294	60	62	service	service	NOUN
ajbmeb-294	60	63	and	and	CCONJ
ajbmeb-294	60	64	then	then	ADV
ajbmeb-294	60	65	setting	set	VERB
ajbmeb-294	60	66	the	the	DET
ajbmeb-294	60	67	profit	profit	NOUN
ajbmeb-294	60	68	margin	margin	NOUN
ajbmeb-294	60	69	that	that	PRON
ajbmeb-294	60	70	the	the	DET
ajbmeb-294	60	71	bank	bank	NOUN
ajbmeb-294	60	72	’s	’s	PART
ajbmeb-294	60	73	management	management	NOUN
ajbmeb-294	60	74	desires	desire	NOUN
ajbmeb-294	60	75	and	and	CCONJ
ajbmeb-294	60	76	thus	thus	ADV
ajbmeb-294	60	77	forming	form	VERB
ajbmeb-294	60	78	the	the	DET
ajbmeb-294	60	79	final	final	ADJ
ajbmeb-294	60	80	price	price	NOUN
ajbmeb-294	60	81	of	of	ADP
ajbmeb-294	60	82	the	the	DET
ajbmeb-294	60	83	service	service	NOUN
ajbmeb-294	60	84	that	that	PRON
ajbmeb-294	60	85	is	be	AUX
ajbmeb-294	60	86	offered	offer	VERB
ajbmeb-294	60	87	to	to	ADP
ajbmeb-294	60	88	it	it	PRON
ajbmeb-294	60	89	,	,	PUNCT
ajbmeb-294	60	90	and	and	CCONJ
ajbmeb-294	60	91	depends	depend	VERB
ajbmeb-294	60	92	on	on	ADP
ajbmeb-294	60	93	pricing	pricing	NOUN
ajbmeb-294	60	94	in	in	ADP
ajbmeb-294	60	95	the	the	DET
ajbmeb-294	60	96	traditional	traditional	ADJ
ajbmeb-294	60	97	curriculum	curriculum	NOUN
ajbmeb-294	60	98	on	on	ADP
ajbmeb-294	60	99	the	the	DET
ajbmeb-294	60	100	basis	basis	NOUN
ajbmeb-294	60	101	of	of	ADP
ajbmeb-294	60	102	the	the	DET
ajbmeb-294	60	103	total	total	ADJ
ajbmeb-294	60	104	cost	cost	NOUN
ajbmeb-294	60	105	,	,	PUNCT
ajbmeb-294	60	106	the	the	DET
ajbmeb-294	60	107	variable	variable	ADJ
ajbmeb-294	60	108	cost	cost	NOUN
ajbmeb-294	60	109	or	or	CCONJ
ajbmeb-294	60	110	the	the	DET
ajbmeb-294	60	111	rate	rate	NOUN
ajbmeb-294	60	112	of	of	ADP
ajbmeb-294	60	113	return	return	NOUN
ajbmeb-294	60	114	on	on	ADP
ajbmeb-294	60	115	investment	investment	NOUN
ajbmeb-294	60	116	and	and	CCONJ
ajbmeb-294	60	117	defects	defect	NOUN
ajbmeb-294	60	118	the	the	DET
ajbmeb-294	60	119	traditional	traditional	ADJ
ajbmeb-294	60	120	curriculum	curriculum	NOUN
ajbmeb-294	60	121	of	of	ADP
ajbmeb-294	60	122	pricing	pricing	NOUN
ajbmeb-294	60	123	:	:	PUNCT
ajbmeb-294	60	124	ignoring	ignore	VERB
ajbmeb-294	60	125	the	the	DET
ajbmeb-294	60	126	demand	demand	NOUN
ajbmeb-294	60	127	for	for	ADP
ajbmeb-294	60	128	the	the	DET
ajbmeb-294	60	129	service	service	NOUN
ajbmeb-294	60	130	,	,	PUNCT
ajbmeb-294	60	131	all	all	PRON
ajbmeb-294	60	132	that	that	PRON
ajbmeb-294	60	133	the	the	DET
ajbmeb-294	60	134	bank	bank	NOUN
ajbmeb-294	60	135	has	have	VERB
ajbmeb-294	60	136	to	to	PART
ajbmeb-294	60	137	do	do	VERB
ajbmeb-294	60	138	is	be	AUX
ajbmeb-294	60	139	to	to	PART
ajbmeb-294	60	140	determine	determine	VERB
ajbmeb-294	60	141	the	the	DET
ajbmeb-294	60	142	costs	cost	NOUN
ajbmeb-294	60	143	for	for	ADP
ajbmeb-294	60	144	the	the	DET
ajbmeb-294	60	145	product	product	NOUN
ajbmeb-294	60	146	or	or	CCONJ
ajbmeb-294	60	147	service	service	NOUN
ajbmeb-294	60	148	and	and	CCONJ
ajbmeb-294	60	149	then	then	ADV
ajbmeb-294	60	150	determine	determine	VERB
ajbmeb-294	60	151	the	the	DET
ajbmeb-294	60	152	profit	profit	NOUN
ajbmeb-294	60	153	margin	margin	NOUN
ajbmeb-294	60	154	it	it	PRON
ajbmeb-294	60	155	wants	want	VERB
ajbmeb-294	60	156	,	,	PUNCT
ajbmeb-294	60	157	as	as	SCONJ
ajbmeb-294	60	158	this	this	DET
ajbmeb-294	60	159	method	method	NOUN
ajbmeb-294	60	160	assumes	assume	VERB
ajbmeb-294	60	161	that	that	SCONJ
ajbmeb-294	60	162	the	the	DET
ajbmeb-294	60	163	customer	customer	NOUN
ajbmeb-294	60	164	needs	need	VERB
ajbmeb-294	60	165	and	and	CCONJ
ajbmeb-294	60	166	requests	request	VERB
ajbmeb-294	60	167	the	the	DET
ajbmeb-294	60	168	expected	expect	VERB
ajbmeb-294	60	169	quantities	quantity	NOUN
ajbmeb-294	60	170	,	,	PUNCT
ajbmeb-294	60	171	regardless	regardless	ADV
ajbmeb-294	60	172	of	of	ADP
ajbmeb-294	60	173	the	the	DET
ajbmeb-294	60	174	price	price	NOUN
ajbmeb-294	60	175	(	(	PUNCT
ajbmeb-294	60	176	abu	abu	PROPN
ajbmeb-294	60	177	awwad	awwad	PROPN
ajbmeb-294	60	178	:	:	PUNCT
ajbmeb-294	60	179	2008	2008	NUM
ajbmeb-294	60	180	,	,	PUNCT
ajbmeb-294	60	181	56	56	NUM
ajbmeb-294	60	182	)	)	PUNCT
ajbmeb-294	60	183	the	the	DET
ajbmeb-294	60	184	price	price	NOUN
ajbmeb-294	60	185	is	be	AUX
ajbmeb-294	60	186	determined	determine	VERB
ajbmeb-294	60	187	based	base	VERB
ajbmeb-294	60	188	on	on	ADP
ajbmeb-294	60	189	estimated	estimate	VERB
ajbmeb-294	60	190	figures	figure	NOUN
ajbmeb-294	60	191	for	for	ADP
ajbmeb-294	60	192	the	the	DET
ajbmeb-294	60	193	costs	cost	NOUN
ajbmeb-294	60	194	of	of	ADP
ajbmeb-294	60	195	providing	provide	VERB
ajbmeb-294	60	196	banking	banking	NOUN
ajbmeb-294	60	197	services	service	NOUN
ajbmeb-294	60	198	to	to	ADP
ajbmeb-294	60	199	customers	customer	NOUN
ajbmeb-294	60	200	(	(	PUNCT
ajbmeb-294	60	201	garrison	garrison	NOUN
ajbmeb-294	60	202	et	et	PROPN
ajbmeb-294	60	203	al	al	PROPN
ajbmeb-294	60	204	,	,	PUNCT
ajbmeb-294	60	205	2006	2006	NUM
ajbmeb-294	60	206	,	,	PUNCT
ajbmeb-294	60	207	832	832	NUM
ajbmeb-294	60	208	)	)	PUNCT
ajbmeb-294	60	209	.	.	PUNCT
ajbmeb-294	61	1	b	b	X
ajbmeb-294	61	2	target	target	NOUN
ajbmeb-294	61	3	cost	cost	NOUN
ajbmeb-294	61	4	approach	approach	NOUN
ajbmeb-294	61	5	:	:	PUNCT
ajbmeb-294	61	6	it	it	PRON
ajbmeb-294	61	7	is	be	AUX
ajbmeb-294	61	8	a	a	DET
ajbmeb-294	61	9	modern	modern	ADJ
ajbmeb-294	61	10	approach	approach	NOUN
ajbmeb-294	61	11	to	to	ADP
ajbmeb-294	61	12	determining	determine	VERB
ajbmeb-294	61	13	the	the	DET
ajbmeb-294	61	14	cost	cost	NOUN
ajbmeb-294	61	15	of	of	ADP
ajbmeb-294	61	16	banking	banking	NOUN
ajbmeb-294	61	17	services	service	NOUN
ajbmeb-294	61	18	.	.	PUNCT
ajbmeb-294	62	1	it	it	PRON
ajbmeb-294	62	2	is	be	AUX
ajbmeb-294	62	3	based	base	VERB
ajbmeb-294	62	4	on	on	ADP
ajbmeb-294	62	5	starting	start	VERB
ajbmeb-294	62	6	with	with	ADP
ajbmeb-294	62	7	setting	set	VERB
ajbmeb-294	62	8	the	the	DET
ajbmeb-294	62	9	target	target	NOUN
ajbmeb-294	62	10	price	price	NOUN
ajbmeb-294	62	11	that	that	PRON
ajbmeb-294	62	12	the	the	DET
ajbmeb-294	62	13	customer	customer	NOUN
ajbmeb-294	62	14	wants	want	VERB
ajbmeb-294	62	15	and	and	CCONJ
ajbmeb-294	62	16	the	the	DET
ajbmeb-294	62	17	customer	customer	NOUN
ajbmeb-294	62	18	can	can	AUX
ajbmeb-294	62	19	benefit	benefit	VERB
ajbmeb-294	62	20	from	from	ADP
ajbmeb-294	62	21	for	for	ADP
ajbmeb-294	62	22	the	the	DET
ajbmeb-294	62	23	service	service	NOUN
ajbmeb-294	62	24	,	,	PUNCT
ajbmeb-294	62	25	and	and	CCONJ
ajbmeb-294	62	26	then	then	ADV
ajbmeb-294	62	27	determining	determine	VERB
ajbmeb-294	62	28	the	the	DET
ajbmeb-294	62	29	profit	profit	NOUN
ajbmeb-294	62	30	margin	margin	NOUN
ajbmeb-294	62	31	that	that	PRON
ajbmeb-294	62	32	the	the	DET
ajbmeb-294	62	33	bank	bank	NOUN
ajbmeb-294	62	34	wants	want	VERB
ajbmeb-294	62	35	to	to	PART
ajbmeb-294	62	36	achieve	achieve	VERB
ajbmeb-294	62	37	,	,	PUNCT
ajbmeb-294	62	38	and	and	CCONJ
ajbmeb-294	62	39	then	then	ADV
ajbmeb-294	62	40	subtracting	subtract	VERB
ajbmeb-294	62	41	that	that	DET
ajbmeb-294	62	42	margin	margin	NOUN
ajbmeb-294	62	43	from	from	ADP
ajbmeb-294	62	44	the	the	DET
ajbmeb-294	62	45	target	target	NOUN
ajbmeb-294	62	46	price	price	NOUN
ajbmeb-294	62	47	;	;	PUNCT
ajbmeb-294	62	48	the	the	DET
ajbmeb-294	62	49	target	target	NOUN
ajbmeb-294	62	50	cost	cost	NOUN
ajbmeb-294	62	51	is	be	AUX
ajbmeb-294	62	52	determined	determine	VERB
ajbmeb-294	62	53	in	in	ADP
ajbmeb-294	62	54	this	this	DET
ajbmeb-294	62	55	way	way	NOUN
ajbmeb-294	62	56	.	.	PUNCT
ajbmeb-294	63	1	in	in	ADP
ajbmeb-294	63	2	other	other	ADJ
ajbmeb-294	63	3	words	word	NOUN
ajbmeb-294	63	4	,	,	PUNCT
ajbmeb-294	63	5	this	this	DET
ajbmeb-294	63	6	method	method	NOUN
ajbmeb-294	63	7	deviates	deviate	VERB
ajbmeb-294	63	8	from	from	ADP
ajbmeb-294	63	9	the	the	DET
ajbmeb-294	63	10	traditional	traditional	ADJ
ajbmeb-294	63	11	pricing	pricing	NOUN
ajbmeb-294	63	12	strategy	strategy	NOUN
ajbmeb-294	63	13	,	,	PUNCT
ajbmeb-294	63	14	which	which	PRON
ajbmeb-294	63	15	starts	start	VERB
ajbmeb-294	63	16	with	with	ADP
ajbmeb-294	63	17	target	target	NOUN
ajbmeb-294	63	18	price	price	NOUN
ajbmeb-294	63	19	and	and	CCONJ
ajbmeb-294	63	20	ends	end	VERB
ajbmeb-294	63	21	with	with	ADP
ajbmeb-294	63	22	target	target	NOUN
ajbmeb-294	63	23	cost	cost	NOUN
ajbmeb-294	63	24	.	.	PUNCT
ajbmeb-294	64	1	(	(	PUNCT
ajbmeb-294	64	2	abu	abu	PROPN
ajbmeb-294	64	3	awwad	awwad	PROPN
ajbmeb-294	64	4	,	,	PUNCT
ajbmeb-294	64	5	2008	2008	NUM
ajbmeb-294	64	6	,	,	PUNCT
ajbmeb-294	64	7	58	58	NUM
ajbmeb-294	64	8	)	)	PUNCT
ajbmeb-294	64	9	,	,	PUNCT
ajbmeb-294	64	10	target	target	NOUN
ajbmeb-294	64	11	costing	costing	NOUN
ajbmeb-294	64	12	is	be	AUX
ajbmeb-294	64	13	an	an	DET
ajbmeb-294	64	14	effective	effective	ADJ
ajbmeb-294	64	15	pricing	pricing	NOUN
ajbmeb-294	64	16	strategy	strategy	NOUN
ajbmeb-294	64	17	in	in	ADP
ajbmeb-294	64	18	markets	market	NOUN
ajbmeb-294	64	19	with	with	ADP
ajbmeb-294	64	20	high	high	ADJ
ajbmeb-294	64	21	levels	level	NOUN
ajbmeb-294	64	22	of	of	ADP
ajbmeb-294	64	23	competition	competition	NOUN
ajbmeb-294	64	24	,	,	PUNCT
ajbmeb-294	64	25	that	that	ADV
ajbmeb-294	64	26	is	is	ADV
ajbmeb-294	64	27	,	,	PUNCT
ajbmeb-294	64	28	it	it	PRON
ajbmeb-294	64	29	allows	allow	VERB
ajbmeb-294	64	30	an	an	DET
ajbmeb-294	64	31	accurate	accurate	ADJ
ajbmeb-294	64	32	assessment	assessment	NOUN
ajbmeb-294	64	33	of	of	ADP
ajbmeb-294	64	34	the	the	DET
ajbmeb-294	64	35	likelihood	likelihood	NOUN
ajbmeb-294	64	36	of	of	ADP
ajbmeb-294	64	37	success	success	NOUN
ajbmeb-294	64	38	of	of	ADP
ajbmeb-294	64	39	the	the	DET
ajbmeb-294	64	40	product	product	NOUN
ajbmeb-294	64	41	before	before	ADP
ajbmeb-294	64	42	allocating	allocate	VERB
ajbmeb-294	64	43	productive	productive	ADJ
ajbmeb-294	64	44	resources	resource	NOUN
ajbmeb-294	64	45	to	to	ADP
ajbmeb-294	64	46	it	it	PRON
ajbmeb-294	64	47	,	,	PUNCT
ajbmeb-294	64	48	in	in	ADP
ajbmeb-294	64	49	contrast	contrast	NOUN
ajbmeb-294	64	50	to	to	ADP
ajbmeb-294	64	51	pricing	pricing	NOUN
ajbmeb-294	64	52	based	base	VERB
ajbmeb-294	64	53	on	on	ADP
ajbmeb-294	64	54	cost	cost	NOUN
ajbmeb-294	64	55	,	,	PUNCT
ajbmeb-294	64	56	the	the	DET
ajbmeb-294	64	57	bank	bank	NOUN
ajbmeb-294	64	58	may	may	AUX
ajbmeb-294	64	59	find	find	VERB
ajbmeb-294	64	60	that	that	SCONJ
ajbmeb-294	64	61	the	the	DET
ajbmeb-294	64	62	price	price	NOUN
ajbmeb-294	64	63	of	of	ADP
ajbmeb-294	64	64	the	the	DET
ajbmeb-294	64	65	service	service	NOUN
ajbmeb-294	64	66	is	be	AUX
ajbmeb-294	64	67	uncompetitive	uncompetitive	ADJ
ajbmeb-294	64	68	after	after	ADP
ajbmeb-294	64	69	using	use	VERB
ajbmeb-294	64	70	the	the	DET
ajbmeb-294	64	71	resources	resource	NOUN
ajbmeb-294	64	72	to	to	PART
ajbmeb-294	64	73	produce	produce	VERB
ajbmeb-294	64	74	it	it	PRON
ajbmeb-294	64	75	(	(	PUNCT
ajbmeb-294	64	76	al	al	PROPN
ajbmeb-294	64	77	-	-	PUNCT
ajbmeb-294	64	78	khalaf	khalaf	PROPN
ajbmeb-294	64	79	and	and	CCONJ
ajbmeb-294	64	80	zoelf	zoelf	PRON
ajbmeb-294	64	81	:	:	PUNCT
ajbmeb-294	64	82	2007	2007	NUM
ajbmeb-294	64	83	,	,	PUNCT
ajbmeb-294	64	84	175	175	NUM
ajbmeb-294	64	85	)	)	PUNCT
ajbmeb-294	64	86	.	.	PUNCT
ajbmeb-294	65	1	2	2	NUM
ajbmeb-294	65	2	profitability	profitability	NOUN
ajbmeb-294	65	3	of	of	ADP
ajbmeb-294	65	4	banks	bank	NOUN
ajbmeb-294	65	5	(	(	PUNCT
ajbmeb-294	65	6	al	al	PROPN
ajbmeb-294	65	7	-	-	PUNCT
ajbmeb-294	65	8	ajarmah	ajarmah	PROPN
ajbmeb-294	65	9	,	,	PUNCT
ajbmeb-294	65	10	2005	2005	NUM
ajbmeb-294	65	11	:	:	PUNCT
ajbmeb-294	65	12	487	487	NUM
ajbmeb-294	65	13	)	)	PUNCT
ajbmeb-294	65	14	maximizing	maximize	VERB
ajbmeb-294	65	15	profits	profit	NOUN
ajbmeb-294	65	16	:	:	PUNCT
ajbmeb-294	65	17	where	where	SCONJ
ajbmeb-294	65	18	profit	profit	NOUN
ajbmeb-294	65	19	is	be	AUX
ajbmeb-294	65	20	one	one	NUM
ajbmeb-294	65	21	of	of	ADP
ajbmeb-294	65	22	the	the	DET
ajbmeb-294	65	23	primary	primary	ADJ
ajbmeb-294	65	24	objectives	objective	NOUN
ajbmeb-294	65	25	of	of	ADP
ajbmeb-294	65	26	banks	bank	NOUN
ajbmeb-294	65	27	,	,	PUNCT
ajbmeb-294	65	28	which	which	PRON
ajbmeb-294	65	29	means	mean	VERB
ajbmeb-294	65	30	achieving	achieve	VERB
ajbmeb-294	65	31	reasonable	reasonable	ADJ
ajbmeb-294	65	32	rates	rate	NOUN
ajbmeb-294	65	33	of	of	ADP
ajbmeb-294	65	34	profits	profit	NOUN
ajbmeb-294	65	35	for	for	ADP
ajbmeb-294	65	36	shareholders	shareholder	NOUN
ajbmeb-294	65	37	.	.	PUNCT
ajbmeb-294	66	1	the	the	DET
ajbmeb-294	66	2	level	level	NOUN
ajbmeb-294	66	3	of	of	ADP
ajbmeb-294	66	4	required	require	VERB
ajbmeb-294	66	5	profits	profit	NOUN
ajbmeb-294	66	6	varies	vary	VERB
ajbmeb-294	66	7	from	from	ADP
ajbmeb-294	66	8	one	one	NUM
ajbmeb-294	66	9	bank	bank	NOUN
ajbmeb-294	66	10	to	to	ADP
ajbmeb-294	66	11	another	another	PRON
ajbmeb-294	66	12	.	.	PUNCT
ajbmeb-294	67	1	american	american	PROPN
ajbmeb-294	67	2	journal	journal	PROPN
ajbmeb-294	67	3	of	of	ADP
ajbmeb-294	67	4	business	business	NOUN
ajbmeb-294	67	5	management	management	NOUN
ajbmeb-294	67	6	,	,	PUNCT
ajbmeb-294	67	7	economics	economic	NOUN
ajbmeb-294	67	8	and	and	CCONJ
ajbmeb-294	67	9	banking	banking	NOUN
ajbmeb-294	67	10	volume	volume	NOUN
ajbmeb-294	67	11	8	8	NUM
ajbmeb-294	67	12	,	,	PUNCT
ajbmeb-294	67	13	jan	jan	PROPN
ajbmeb-294	67	14	.	.	PROPN
ajbmeb-294	67	15	,	,	PUNCT
ajbmeb-294	67	16	2023	2023	NUM
ajbmeb-294	67	17	p	p	NOUN
ajbmeb-294	67	18	a	a	DET
ajbmeb-294	67	19	g	g	NOUN
ajbmeb-294	67	20	e	e	NOUN
ajbmeb-294	67	21	|	|	ADV
ajbmeb-294	67	22	23	23	NUM
ajbmeb-294	67	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	67	24	maximizing	maximize	VERB
ajbmeb-294	67	25	the	the	DET
ajbmeb-294	67	26	return	return	NOUN
ajbmeb-294	67	27	on	on	ADP
ajbmeb-294	67	28	investment	investment	NOUN
ajbmeb-294	67	29	:	:	PUNCT
ajbmeb-294	67	30	the	the	DET
ajbmeb-294	67	31	objective	objective	NOUN
ajbmeb-294	67	32	of	of	ADP
ajbmeb-294	67	33	pricing	pricing	NOUN
ajbmeb-294	67	34	banking	banking	NOUN
ajbmeb-294	67	35	services	service	NOUN
ajbmeb-294	67	36	on	on	ADP
ajbmeb-294	67	37	the	the	DET
ajbmeb-294	67	38	basis	basis	NOUN
ajbmeb-294	67	39	of	of	ADP
ajbmeb-294	67	40	the	the	DET
ajbmeb-294	67	41	target	target	NOUN
ajbmeb-294	67	42	cost	cost	NOUN
ajbmeb-294	67	43	approach	approach	NOUN
ajbmeb-294	67	44	may	may	AUX
ajbmeb-294	67	45	be	be	AUX
ajbmeb-294	67	46	to	to	PART
ajbmeb-294	67	47	achieve	achieve	VERB
ajbmeb-294	67	48	the	the	DET
ajbmeb-294	67	49	required	require	VERB
ajbmeb-294	67	50	rate	rate	NOUN
ajbmeb-294	67	51	of	of	ADP
ajbmeb-294	67	52	return	return	NOUN
ajbmeb-294	67	53	on	on	ADP
ajbmeb-294	67	54	the	the	DET
ajbmeb-294	67	55	money	money	NOUN
ajbmeb-294	67	56	invested	invest	VERB
ajbmeb-294	67	57	in	in	ADP
ajbmeb-294	67	58	the	the	DET
ajbmeb-294	67	59	bank	bank	NOUN
ajbmeb-294	67	60	,	,	PUNCT
ajbmeb-294	67	61	so	so	SCONJ
ajbmeb-294	67	62	the	the	DET
ajbmeb-294	67	63	bank	bank	NOUN
ajbmeb-294	67	64	’s	’s	PART
ajbmeb-294	67	65	management	management	NOUN
ajbmeb-294	67	66	may	may	AUX
ajbmeb-294	67	67	set	set	VERB
ajbmeb-294	67	68	prices	price	NOUN
ajbmeb-294	67	69	on	on	ADP
ajbmeb-294	67	70	the	the	DET
ajbmeb-294	67	71	basis	basis	NOUN
ajbmeb-294	67	72	of	of	ADP
ajbmeb-294	67	73	that	that	DET
ajbmeb-294	67	74	percentage	percentage	NOUN
ajbmeb-294	67	75	,	,	PUNCT
ajbmeb-294	67	76	meaning	mean	VERB
ajbmeb-294	67	77	that	that	SCONJ
ajbmeb-294	67	78	the	the	DET
ajbmeb-294	67	79	required	required	ADJ
ajbmeb-294	67	80	percentage	percentage	NOUN
ajbmeb-294	67	81	of	of	ADP
ajbmeb-294	67	82	return	return	NOUN
ajbmeb-294	67	83	is	be	AUX
ajbmeb-294	67	84	added	add	VERB
ajbmeb-294	67	85	to	to	ADP
ajbmeb-294	67	86	the	the	DET
ajbmeb-294	67	87	cost	cost	NOUN
ajbmeb-294	67	88	of	of	ADP
ajbmeb-294	67	89	the	the	DET
ajbmeb-294	67	90	service	service	NOUN
ajbmeb-294	67	91	.	.	PUNCT
ajbmeb-294	68	1	3	3	NUM
ajbmeb-294	68	2	attracting	attract	VERB
ajbmeb-294	68	3	new	new	ADJ
ajbmeb-294	68	4	customers	customer	NOUN
ajbmeb-294	68	5	and	and	CCONJ
ajbmeb-294	68	6	maintaining	maintain	VERB
ajbmeb-294	68	7	existing	exist	VERB
ajbmeb-294	68	8	customers	customer	NOUN
ajbmeb-294	68	9	:	:	PUNCT
ajbmeb-294	68	10	any	any	DET
ajbmeb-294	68	11	business	business	NOUN
ajbmeb-294	68	12	's	's	PART
ajbmeb-294	68	13	success	success	NOUN
ajbmeb-294	68	14	comes	come	VERB
ajbmeb-294	68	15	from	from	ADP
ajbmeb-294	68	16	its	its	PRON
ajbmeb-294	68	17	customers	customer	NOUN
ajbmeb-294	68	18	,	,	PUNCT
ajbmeb-294	68	19	who	who	PRON
ajbmeb-294	68	20	also	also	ADV
ajbmeb-294	68	21	serve	serve	VERB
ajbmeb-294	68	22	as	as	ADP
ajbmeb-294	68	23	the	the	DET
ajbmeb-294	68	24	foundation	foundation	NOUN
ajbmeb-294	68	25	for	for	ADP
ajbmeb-294	68	26	its	its	PRON
ajbmeb-294	68	27	survival	survival	NOUN
ajbmeb-294	68	28	,	,	PUNCT
ajbmeb-294	68	29	expansion	expansion	NOUN
ajbmeb-294	68	30	,	,	PUNCT
ajbmeb-294	68	31	and	and	CCONJ
ajbmeb-294	68	32	prosperity	prosperity	NOUN
ajbmeb-294	68	33	.	.	PUNCT
ajbmeb-294	69	1	however	however	ADV
ajbmeb-294	69	2	,	,	PUNCT
ajbmeb-294	69	3	today	today	NOUN
ajbmeb-294	69	4	's	's	PART
ajbmeb-294	69	5	customers	customer	NOUN
ajbmeb-294	69	6	have	have	VERB
ajbmeb-294	69	7	different	different	ADJ
ajbmeb-294	69	8	expectations	expectation	NOUN
ajbmeb-294	69	9	than	than	SCONJ
ajbmeb-294	69	10	they	they	PRON
ajbmeb-294	69	11	did	do	VERB
ajbmeb-294	69	12	in	in	ADP
ajbmeb-294	69	13	the	the	DET
ajbmeb-294	69	14	past	past	NOUN
ajbmeb-294	69	15	.	.	PUNCT
ajbmeb-294	70	1	the	the	DET
ajbmeb-294	70	2	priority	priority	NOUN
ajbmeb-294	70	3	nowadays	nowadays	ADV
ajbmeb-294	70	4	is	be	AUX
ajbmeb-294	70	5	to	to	PART
ajbmeb-294	70	6	retain	retain	VERB
ajbmeb-294	70	7	customers	customer	NOUN
ajbmeb-294	70	8	,	,	PUNCT
ajbmeb-294	70	9	with	with	ADP
ajbmeb-294	70	10	efforts	effort	NOUN
ajbmeb-294	70	11	to	to	PART
ajbmeb-294	70	12	increase	increase	VERB
ajbmeb-294	70	13	customers	customer	NOUN
ajbmeb-294	70	14	and	and	CCONJ
ajbmeb-294	70	15	attract	attract	VERB
ajbmeb-294	70	16	new	new	ADJ
ajbmeb-294	70	17	customers	customer	NOUN
ajbmeb-294	70	18	in	in	ADP
ajbmeb-294	70	19	second	second	ADJ
ajbmeb-294	70	20	place	place	NOUN
ajbmeb-294	70	21	.	.	PUNCT
ajbmeb-294	71	1	in	in	ADP
ajbmeb-294	71	2	the	the	DET
ajbmeb-294	71	3	beginning	beginning	NOUN
ajbmeb-294	71	4	,	,	PUNCT
ajbmeb-294	71	5	marketing	marketing	NOUN
ajbmeb-294	71	6	relied	rely	VERB
ajbmeb-294	71	7	solely	solely	ADV
ajbmeb-294	71	8	on	on	ADP
ajbmeb-294	71	9	acquiring	acquire	VERB
ajbmeb-294	71	10	new	new	ADJ
ajbmeb-294	71	11	customers	customer	NOUN
ajbmeb-294	71	12	without	without	ADP
ajbmeb-294	71	13	focusing	focus	VERB
ajbmeb-294	71	14	on	on	ADP
ajbmeb-294	71	15	their	their	PRON
ajbmeb-294	71	16	continued	continue	VERB
ajbmeb-294	71	17	financial	financial	ADJ
ajbmeb-294	71	18	dealings	dealing	NOUN
ajbmeb-294	71	19	with	with	ADP
ajbmeb-294	71	20	the	the	DET
ajbmeb-294	71	21	bank	bank	NOUN
ajbmeb-294	71	22	or	or	CCONJ
ajbmeb-294	71	23	ensuring	ensure	VERB
ajbmeb-294	71	24	their	their	PRON
ajbmeb-294	71	25	continued	continue	VERB
ajbmeb-294	71	26	cash	cash	NOUN
ajbmeb-294	71	27	flow	flow	NOUN
ajbmeb-294	71	28	.	.	PUNCT
ajbmeb-294	72	1	however	however	ADV
ajbmeb-294	72	2	,	,	PUNCT
ajbmeb-294	72	3	financial	financial	ADJ
ajbmeb-294	72	4	markets	market	NOUN
ajbmeb-294	72	5	are	be	AUX
ajbmeb-294	72	6	highly	highly	ADV
ajbmeb-294	72	7	competitive	competitive	ADJ
ajbmeb-294	72	8	,	,	PUNCT
ajbmeb-294	72	9	with	with	SCONJ
ajbmeb-294	72	10	thousands	thousand	NOUN
ajbmeb-294	72	11	of	of	ADP
ajbmeb-294	72	12	companies	company	NOUN
ajbmeb-294	72	13	competing	compete	VERB
ajbmeb-294	72	14	to	to	PART
ajbmeb-294	72	15	win	win	VERB
ajbmeb-294	72	16	customers	customer	NOUN
ajbmeb-294	72	17	,	,	PUNCT
ajbmeb-294	72	18	no	no	DET
ajbmeb-294	72	19	business	business	NOUN
ajbmeb-294	72	20	in	in	ADP
ajbmeb-294	72	21	the	the	DET
ajbmeb-294	72	22	financial	financial	ADJ
ajbmeb-294	72	23	sector	sector	NOUN
ajbmeb-294	72	24	can	can	AUX
ajbmeb-294	72	25	continue	continue	VERB
ajbmeb-294	72	26	to	to	PART
ajbmeb-294	72	27	operate	operate	VERB
ajbmeb-294	72	28	without	without	ADP
ajbmeb-294	72	29	building	build	VERB
ajbmeb-294	72	30	a	a	DET
ajbmeb-294	72	31	loyal	loyal	ADJ
ajbmeb-294	72	32	customer	customer	NOUN
ajbmeb-294	72	33	base	base	NOUN
ajbmeb-294	72	34	.	.	PUNCT
ajbmeb-294	73	1	the	the	DET
ajbmeb-294	73	2	presence	presence	NOUN
ajbmeb-294	73	3	of	of	ADP
ajbmeb-294	73	4	customers	customer	NOUN
ajbmeb-294	73	5	is	be	AUX
ajbmeb-294	73	6	important	important	ADJ
ajbmeb-294	73	7	and	and	CCONJ
ajbmeb-294	73	8	necessary	necessary	ADJ
ajbmeb-294	73	9	for	for	ADP
ajbmeb-294	73	10	the	the	DET
ajbmeb-294	73	11	spread	spread	NOUN
ajbmeb-294	73	12	of	of	ADP
ajbmeb-294	73	13	banking	banking	NOUN
ajbmeb-294	73	14	services	service	NOUN
ajbmeb-294	73	15	,	,	PUNCT
ajbmeb-294	73	16	thus	thus	ADV
ajbmeb-294	73	17	it	it	PRON
ajbmeb-294	73	18	's	be	AUX
ajbmeb-294	73	19	crucial	crucial	ADJ
ajbmeb-294	73	20	to	to	PART
ajbmeb-294	73	21	have	have	VERB
ajbmeb-294	73	22	a	a	DET
ajbmeb-294	73	23	clientele	clientele	NOUN
ajbmeb-294	73	24	to	to	PART
ajbmeb-294	73	25	support	support	VERB
ajbmeb-294	73	26	the	the	DET
ajbmeb-294	73	27	delivery	delivery	NOUN
ajbmeb-294	73	28	of	of	ADP
ajbmeb-294	73	29	services	service	NOUN
ajbmeb-294	73	30	,	,	PUNCT
ajbmeb-294	73	31	and	and	CCONJ
ajbmeb-294	73	32	relying	rely	VERB
ajbmeb-294	73	33	on	on	ADP
ajbmeb-294	73	34	a	a	DET
ajbmeb-294	73	35	very	very	ADV
ajbmeb-294	73	36	small	small	ADJ
ajbmeb-294	73	37	number	number	NOUN
ajbmeb-294	73	38	of	of	ADP
ajbmeb-294	73	39	customers	customer	NOUN
ajbmeb-294	73	40	is	be	AUX
ajbmeb-294	73	41	a	a	DET
ajbmeb-294	73	42	dangerous	dangerous	ADJ
ajbmeb-294	73	43	matter	matter	NOUN
ajbmeb-294	73	44	,	,	PUNCT
ajbmeb-294	73	45	as	as	SCONJ
ajbmeb-294	73	46	losing	lose	VERB
ajbmeb-294	73	47	one	one	NUM
ajbmeb-294	73	48	of	of	ADP
ajbmeb-294	73	49	the	the	DET
ajbmeb-294	73	50	bank	bank	NOUN
ajbmeb-294	73	51	’s	’s	PART
ajbmeb-294	73	52	customers	customer	NOUN
ajbmeb-294	73	53	may	may	AUX
ajbmeb-294	73	54	lead	lead	VERB
ajbmeb-294	73	55	to	to	ADP
ajbmeb-294	73	56	a	a	DET
ajbmeb-294	73	57	cash	cash	NOUN
ajbmeb-294	73	58	flow	flow	NOUN
ajbmeb-294	73	59	crisis	crisis	NOUN
ajbmeb-294	73	60	,	,	PUNCT
ajbmeb-294	73	61	therefore	therefore	ADV
ajbmeb-294	73	62	,	,	PUNCT
ajbmeb-294	73	63	banks	bank	NOUN
ajbmeb-294	73	64	must	must	AUX
ajbmeb-294	73	65	put	put	VERB
ajbmeb-294	73	66	in	in	ADP
ajbmeb-294	73	67	great	great	ADJ
ajbmeb-294	73	68	time	time	NOUN
ajbmeb-294	73	69	and	and	CCONJ
ajbmeb-294	73	70	effort	effort	NOUN
ajbmeb-294	73	71	in	in	ADP
ajbmeb-294	73	72	order	order	NOUN
ajbmeb-294	73	73	to	to	PART
ajbmeb-294	73	74	gain	gain	VERB
ajbmeb-294	73	75	new	new	ADJ
ajbmeb-294	73	76	customers	customer	NOUN
ajbmeb-294	73	77	in	in	ADP
ajbmeb-294	73	78	order	order	NOUN
ajbmeb-294	73	79	to	to	PART
ajbmeb-294	73	80	be	be	AUX
ajbmeb-294	73	81	able	able	ADJ
ajbmeb-294	73	82	to	to	PART
ajbmeb-294	73	83	protect	protect	VERB
ajbmeb-294	73	84	the	the	DET
ajbmeb-294	73	85	bank	bank	NOUN
ajbmeb-294	73	86	from	from	ADP
ajbmeb-294	73	87	the	the	DET
ajbmeb-294	73	88	risk	risk	NOUN
ajbmeb-294	73	89	of	of	ADP
ajbmeb-294	73	90	failure	failure	NOUN
ajbmeb-294	73	91	and	and	CCONJ
ajbmeb-294	73	92	develop	develop	VERB
ajbmeb-294	73	93	work	work	NOUN
ajbmeb-294	73	94	to	to	PART
ajbmeb-294	73	95	increase	increase	VERB
ajbmeb-294	73	96	the	the	DET
ajbmeb-294	73	97	competitive	competitive	ADJ
ajbmeb-294	73	98	advantage	advantage	NOUN
ajbmeb-294	73	99	sustainable	sustainable	ADJ
ajbmeb-294	73	100	.	.	PUNCT
ajbmeb-294	74	1	and	and	CCONJ
ajbmeb-294	74	2	the	the	DET
ajbmeb-294	74	3	objectives	objective	NOUN
ajbmeb-294	74	4	associated	associate	VERB
ajbmeb-294	74	5	with	with	ADP
ajbmeb-294	74	6	dealing	deal	VERB
ajbmeb-294	74	7	in	in	ADP
ajbmeb-294	74	8	attracting	attract	VERB
ajbmeb-294	74	9	new	new	ADJ
ajbmeb-294	74	10	customers	customer	NOUN
ajbmeb-294	74	11	and	and	CCONJ
ajbmeb-294	74	12	maintaining	maintain	VERB
ajbmeb-294	74	13	existing	exist	VERB
ajbmeb-294	74	14	customers	customer	NOUN
ajbmeb-294	74	15	(	(	PUNCT
ajbmeb-294	74	16	moalla	moalla	NOUN
ajbmeb-294	74	17	,	,	PUNCT
ajbmeb-294	74	18	1994	1994	NUM
ajbmeb-294	74	19	:	:	PUNCT
ajbmeb-294	74	20	178	178	NUM
ajbmeb-294	74	21	)	)	PUNCT
ajbmeb-294	74	22	and	and	CCONJ
ajbmeb-294	74	23	include	include	VERB
ajbmeb-294	74	24	two	two	NUM
ajbmeb-294	74	25	objectives	objective	NOUN
ajbmeb-294	74	26	as	as	SCONJ
ajbmeb-294	74	27	follows	follow	VERB
ajbmeb-294	74	28	:	:	PUNCT
ajbmeb-294	74	29	reaching	reach	VERB
ajbmeb-294	74	30	the	the	DET
ajbmeb-294	74	31	largest	large	ADJ
ajbmeb-294	74	32	possible	possible	ADJ
ajbmeb-294	74	33	number	number	NOUN
ajbmeb-294	74	34	of	of	ADP
ajbmeb-294	74	35	customers	customer	NOUN
ajbmeb-294	74	36	:	:	PUNCT
ajbmeb-294	74	37	this	this	DET
ajbmeb-294	74	38	goal	goal	NOUN
ajbmeb-294	74	39	is	be	AUX
ajbmeb-294	74	40	related	relate	VERB
ajbmeb-294	74	41	to	to	ADP
ajbmeb-294	74	42	the	the	DET
ajbmeb-294	74	43	market	market	NOUN
ajbmeb-294	74	44	share	share	NOUN
ajbmeb-294	74	45	of	of	ADP
ajbmeb-294	74	46	customers	customer	NOUN
ajbmeb-294	74	47	in	in	ADP
ajbmeb-294	74	48	the	the	DET
ajbmeb-294	74	49	banking	banking	NOUN
ajbmeb-294	74	50	sector	sector	NOUN
ajbmeb-294	74	51	,	,	PUNCT
ajbmeb-294	74	52	ie	ie	X
ajbmeb-294	74	53	the	the	DET
ajbmeb-294	74	54	size	size	NOUN
ajbmeb-294	74	55	of	of	ADP
ajbmeb-294	74	56	the	the	DET
ajbmeb-294	74	57	bank	bank	NOUN
ajbmeb-294	74	58	's	's	PART
ajbmeb-294	74	59	customers	customer	NOUN
ajbmeb-294	74	60	depends	depend	VERB
ajbmeb-294	74	61	on	on	ADP
ajbmeb-294	74	62	the	the	DET
ajbmeb-294	74	63	banking	banking	NOUN
ajbmeb-294	74	64	audience	audience	NOUN
ajbmeb-294	74	65	.	.	PUNCT
ajbmeb-294	75	1	some	some	DET
ajbmeb-294	75	2	banks	bank	NOUN
ajbmeb-294	75	3	aim	aim	VERB
ajbmeb-294	75	4	to	to	PART
ajbmeb-294	75	5	price	price	VERB
ajbmeb-294	75	6	their	their	PRON
ajbmeb-294	75	7	services	service	NOUN
ajbmeb-294	75	8	to	to	PART
ajbmeb-294	75	9	maintain	maintain	VERB
ajbmeb-294	75	10	or	or	CCONJ
ajbmeb-294	75	11	increase	increase	VERB
ajbmeb-294	75	12	this	this	DET
ajbmeb-294	75	13	percentage	percentage	NOUN
ajbmeb-294	75	14	,	,	PUNCT
ajbmeb-294	75	15	and	and	CCONJ
ajbmeb-294	75	16	the	the	DET
ajbmeb-294	75	17	pricing	pricing	NOUN
ajbmeb-294	75	18	element	element	NOUN
ajbmeb-294	75	19	is	be	AUX
ajbmeb-294	75	20	one	one	NUM
ajbmeb-294	75	21	of	of	ADP
ajbmeb-294	75	22	the	the	DET
ajbmeb-294	75	23	tools	tool	NOUN
ajbmeb-294	75	24	to	to	PART
ajbmeb-294	75	25	achieve	achieve	VERB
ajbmeb-294	75	26	this	this	PRON
ajbmeb-294	75	27	.	.	PUNCT
ajbmeb-294	76	1	perhaps	perhaps	ADV
ajbmeb-294	76	2	this	this	DET
ajbmeb-294	76	3	objective	objective	NOUN
ajbmeb-294	76	4	is	be	AUX
ajbmeb-294	76	5	characterized	characterize	VERB
ajbmeb-294	76	6	by	by	ADP
ajbmeb-294	76	7	the	the	DET
ajbmeb-294	76	8	flexibility	flexibility	NOUN
ajbmeb-294	76	9	of	of	ADP
ajbmeb-294	76	10	the	the	DET
ajbmeb-294	76	11	price	price	NOUN
ajbmeb-294	76	12	and	and	CCONJ
ajbmeb-294	76	13	its	its	PRON
ajbmeb-294	76	14	ability	ability	NOUN
ajbmeb-294	76	15	to	to	PART
ajbmeb-294	76	16	adapt	adapt	VERB
ajbmeb-294	76	17	to	to	ADP
ajbmeb-294	76	18	the	the	DET
ajbmeb-294	76	19	competitive	competitive	ADJ
ajbmeb-294	76	20	conditions	condition	NOUN
ajbmeb-294	76	21	of	of	ADP
ajbmeb-294	76	22	the	the	DET
ajbmeb-294	76	23	bank	bank	NOUN
ajbmeb-294	76	24	,	,	PUNCT
ajbmeb-294	76	25	and	and	CCONJ
ajbmeb-294	76	26	the	the	DET
ajbmeb-294	76	27	bank	bank	NOUN
ajbmeb-294	76	28	's	's	PART
ajbmeb-294	76	29	temporary	temporary	ADJ
ajbmeb-294	76	30	acceptance	acceptance	NOUN
ajbmeb-294	76	31	of	of	ADP
ajbmeb-294	76	32	minimal	minimal	ADJ
ajbmeb-294	76	33	losses	loss	NOUN
ajbmeb-294	76	34	in	in	ADP
ajbmeb-294	76	35	order	order	NOUN
ajbmeb-294	76	36	to	to	PART
ajbmeb-294	76	37	increase	increase	VERB
ajbmeb-294	76	38	customer	customer	NOUN
ajbmeb-294	76	39	market	market	NOUN
ajbmeb-294	76	40	share	share	NOUN
ajbmeb-294	76	41	and	and	CCONJ
ajbmeb-294	76	42	generate	generate	VERB
ajbmeb-294	76	43	long	long	ADJ
ajbmeb-294	76	44	-	-	PUNCT
ajbmeb-294	76	45	term	term	NOUN
ajbmeb-294	76	46	profitability	profitability	NOUN
ajbmeb-294	76	47	.	.	PUNCT
ajbmeb-294	77	1	(	(	PUNCT
ajbmeb-294	77	2	alajarma	alajarma	NOUN
ajbmeb-294	77	3	,	,	PUNCT
ajbmeb-294	77	4	2005	2005	NUM
ajbmeb-294	77	5	,	,	PUNCT
ajbmeb-294	77	6	285	285	NUM
ajbmeb-294	77	7	)	)	PUNCT
ajbmeb-294	77	8	.	.	PUNCT
ajbmeb-294	78	1	preserving	preserve	VERB
ajbmeb-294	78	2	the	the	DET
ajbmeb-294	78	3	market	market	NOUN
ajbmeb-294	78	4	share	share	NOUN
ajbmeb-294	78	5	of	of	ADP
ajbmeb-294	78	6	the	the	DET
ajbmeb-294	78	7	bank	bank	NOUN
ajbmeb-294	78	8	:	:	PUNCT
ajbmeb-294	78	9	some	some	DET
ajbmeb-294	78	10	banks	bank	NOUN
ajbmeb-294	78	11	consider	consider	VERB
ajbmeb-294	78	12	their	their	PRON
ajbmeb-294	78	13	ideal	ideal	ADJ
ajbmeb-294	78	14	position	position	NOUN
ajbmeb-294	78	15	in	in	ADP
ajbmeb-294	78	16	the	the	DET
ajbmeb-294	78	17	market	market	NOUN
ajbmeb-294	78	18	,	,	PUNCT
ajbmeb-294	78	19	so	so	SCONJ
ajbmeb-294	78	20	they	they	PRON
ajbmeb-294	78	21	try	try	VERB
ajbmeb-294	78	22	to	to	PART
ajbmeb-294	78	23	maintain	maintain	VERB
ajbmeb-294	78	24	it	it	PRON
ajbmeb-294	78	25	without	without	ADP
ajbmeb-294	78	26	creating	create	VERB
ajbmeb-294	78	27	conflicts	conflict	NOUN
ajbmeb-294	78	28	with	with	ADP
ajbmeb-294	78	29	competitors	competitor	NOUN
ajbmeb-294	78	30	when	when	SCONJ
ajbmeb-294	78	31	working	work	VERB
ajbmeb-294	78	32	to	to	PART
ajbmeb-294	78	33	achieve	achieve	VERB
ajbmeb-294	78	34	a	a	DET
ajbmeb-294	78	35	kind	kind	NOUN
ajbmeb-294	78	36	of	of	ADP
ajbmeb-294	78	37	stability	stability	NOUN
ajbmeb-294	78	38	,	,	PUNCT
ajbmeb-294	78	39	which	which	PRON
ajbmeb-294	78	40	leads	lead	VERB
ajbmeb-294	78	41	to	to	ADP
ajbmeb-294	78	42	generating	generate	VERB
ajbmeb-294	78	43	a	a	DET
ajbmeb-294	78	44	positive	positive	ADJ
ajbmeb-294	78	45	image	image	NOUN
ajbmeb-294	78	46	among	among	ADP
ajbmeb-294	78	47	customers	customer	NOUN
ajbmeb-294	78	48	as	as	ADP
ajbmeb-294	78	49	a	a	DET
ajbmeb-294	78	50	result	result	NOUN
ajbmeb-294	78	51	of	of	ADP
ajbmeb-294	78	52	price	price	NOUN
ajbmeb-294	78	53	stability	stability	NOUN
ajbmeb-294	78	54	,	,	PUNCT
ajbmeb-294	78	55	which	which	PRON
ajbmeb-294	78	56	is	be	AUX
ajbmeb-294	78	57	something	something	PRON
ajbmeb-294	78	58	desirable	desirable	ADJ
ajbmeb-294	78	59	for	for	ADP
ajbmeb-294	78	60	the	the	DET
ajbmeb-294	78	61	customer	customer	NOUN
ajbmeb-294	78	62	(	(	PUNCT
ajbmeb-294	78	63	macdonald	macdonald	PROPN
ajbmeb-294	78	64	&	&	CCONJ
ajbmeb-294	78	65	koch	koch	PROPN
ajbmeb-294	78	66	,	,	PUNCT
ajbmeb-294	78	67	2006:354	2006:354	NOUN
ajbmeb-294	78	68	)	)	PUNCT
ajbmeb-294	78	69	.	.	PUNCT
ajbmeb-294	79	1	target	target	NOUN
ajbmeb-294	79	2	cost	cost	NOUN
ajbmeb-294	79	3	strategies	strategy	NOUN
ajbmeb-294	79	4	for	for	ADP
ajbmeb-294	79	5	pricing	pricing	NOUN
ajbmeb-294	79	6	banking	banking	NOUN
ajbmeb-294	79	7	services	service	NOUN
ajbmeb-294	79	8	:	:	PUNCT
ajbmeb-294	79	9	(	(	PUNCT
ajbmeb-294	79	10	al	al	PROPN
ajbmeb-294	79	11	-	-	PUNCT
ajbmeb-294	79	12	sumaidaie	sumaidaie	PROPN
ajbmeb-294	79	13	and	and	CCONJ
ajbmeb-294	79	14	youssef	youssef	PROPN
ajbmeb-294	79	15	,	,	PUNCT
ajbmeb-294	79	16	2005	2005	NUM
ajbmeb-294	79	17	:	:	PUNCT
ajbmeb-294	79	18	277	277	NUM
ajbmeb-294	79	19	)	)	PUNCT
ajbmeb-294	79	20	1	1	NUM
ajbmeb-294	79	21	penetration	penetration	NOUN
ajbmeb-294	79	22	strategy	strategy	NOUN
ajbmeb-294	79	23	in	in	ADP
ajbmeb-294	79	24	banking	banking	NOUN
ajbmeb-294	79	25	markets	market	NOUN
ajbmeb-294	80	1	:	:	PUNCT
ajbmeb-294	80	2	the	the	DET
ajbmeb-294	80	3	pricing	pricing	NOUN
ajbmeb-294	80	4	penetration	penetration	NOUN
ajbmeb-294	80	5	strategy	strategy	NOUN
ajbmeb-294	80	6	through	through	ADP
ajbmeb-294	80	7	the	the	DET
ajbmeb-294	80	8	target	target	NOUN
ajbmeb-294	80	9	cost	cost	NOUN
ajbmeb-294	80	10	is	be	AUX
ajbmeb-294	80	11	based	base	VERB
ajbmeb-294	80	12	on	on	ADP
ajbmeb-294	80	13	pricing	pricing	NOUN
ajbmeb-294	80	14	banking	banking	NOUN
ajbmeb-294	80	15	services	service	NOUN
ajbmeb-294	80	16	at	at	ADP
ajbmeb-294	80	17	low	low	ADJ
ajbmeb-294	80	18	prices	price	NOUN
ajbmeb-294	80	19	,	,	PUNCT
ajbmeb-294	80	20	in	in	ADP
ajbmeb-294	80	21	order	order	NOUN
ajbmeb-294	80	22	to	to	PART
ajbmeb-294	80	23	obtain	obtain	VERB
ajbmeb-294	80	24	a	a	DET
ajbmeb-294	80	25	marketing	marketing	NOUN
ajbmeb-294	80	26	share	share	NOUN
ajbmeb-294	80	27	and	and	CCONJ
ajbmeb-294	80	28	attract	attract	VERB
ajbmeb-294	80	29	customers	customer	NOUN
ajbmeb-294	80	30	as	as	ADP
ajbmeb-294	80	31	a	a	DET
ajbmeb-294	80	32	result	result	NOUN
ajbmeb-294	80	33	of	of	ADP
ajbmeb-294	80	34	the	the	DET
ajbmeb-294	80	35	low	low	ADJ
ajbmeb-294	80	36	price	price	NOUN
ajbmeb-294	80	37	.	.	PUNCT
ajbmeb-294	81	1	the	the	DET
ajbmeb-294	81	2	implementation	implementation	NOUN
ajbmeb-294	81	3	of	of	ADP
ajbmeb-294	81	4	this	this	DET
ajbmeb-294	81	5	strategy	strategy	NOUN
ajbmeb-294	81	6	requires	require	VERB
ajbmeb-294	81	7	the	the	DET
ajbmeb-294	81	8	sacrifice	sacrifice	NOUN
ajbmeb-294	81	9	of	of	ADP
ajbmeb-294	81	10	short	short	ADJ
ajbmeb-294	81	11	-	-	PUNCT
ajbmeb-294	81	12	term	term	NOUN
ajbmeb-294	81	13	profits	profit	NOUN
ajbmeb-294	81	14	;	;	PUNCT
ajbmeb-294	81	15	in	in	ADP
ajbmeb-294	81	16	order	order	NOUN
ajbmeb-294	81	17	to	to	PART
ajbmeb-294	81	18	obtain	obtain	VERB
ajbmeb-294	81	19	a	a	DET
ajbmeb-294	81	20	market	market	NOUN
ajbmeb-294	81	21	,	,	PUNCT
ajbmeb-294	81	22	share	share	VERB
ajbmeb-294	81	23	in	in	ADP
ajbmeb-294	81	24	the	the	DET
ajbmeb-294	81	25	long	long	ADJ
ajbmeb-294	81	26	term	term	NOUN
ajbmeb-294	81	27	,	,	PUNCT
ajbmeb-294	81	28	this	this	DET
ajbmeb-294	81	29	strategy	strategy	NOUN
ajbmeb-294	81	30	is	be	AUX
ajbmeb-294	81	31	used	use	VERB
ajbmeb-294	81	32	when	when	SCONJ
ajbmeb-294	81	33	providing	provide	VERB
ajbmeb-294	81	34	a	a	DET
ajbmeb-294	81	35	new	new	ADJ
ajbmeb-294	81	36	service	service	NOUN
ajbmeb-294	81	37	to	to	ADP
ajbmeb-294	81	38	the	the	DET
ajbmeb-294	81	39	market	market	NOUN
ajbmeb-294	81	40	and	and	CCONJ
ajbmeb-294	81	41	that	that	SCONJ
ajbmeb-294	81	42	the	the	DET
ajbmeb-294	81	43	objective	objective	NOUN
ajbmeb-294	81	44	of	of	ADP
ajbmeb-294	81	45	this	this	DET
ajbmeb-294	81	46	strategy	strategy	NOUN
ajbmeb-294	81	47	is	be	AUX
ajbmeb-294	81	48	to	to	PART
ajbmeb-294	81	49	penetrate	penetrate	VERB
ajbmeb-294	81	50	and	and	CCONJ
ajbmeb-294	81	51	grow	grow	VERB
ajbmeb-294	81	52	in	in	ADP
ajbmeb-294	81	53	the	the	DET
ajbmeb-294	81	54	market	market	NOUN
ajbmeb-294	81	55	and	and	CCONJ
ajbmeb-294	81	56	obtain	obtain	VERB
ajbmeb-294	81	57	the	the	DET
ajbmeb-294	81	58	largest	large	ADJ
ajbmeb-294	81	59	possible	possible	ADJ
ajbmeb-294	81	60	share	share	NOUN
ajbmeb-294	81	61	in	in	ADP
ajbmeb-294	81	62	it	it	PRON
ajbmeb-294	81	63	.	.	PUNCT
ajbmeb-294	82	1	2market	2market	NUM
ajbmeb-294	82	2	skimming	skimming	NOUN
ajbmeb-294	82	3	strategy	strategy	NOUN
ajbmeb-294	82	4	:	:	PUNCT
ajbmeb-294	82	5	this	this	DET
ajbmeb-294	82	6	strategy	strategy	NOUN
ajbmeb-294	82	7	is	be	AUX
ajbmeb-294	82	8	known	know	VERB
ajbmeb-294	82	9	as	as	ADP
ajbmeb-294	82	10	the	the	DET
ajbmeb-294	82	11	browsing	browse	VERB
ajbmeb-294	82	12	strategy	strategy	NOUN
ajbmeb-294	82	13	for	for	ADP
ajbmeb-294	82	14	pricing	pricing	NOUN
ajbmeb-294	82	15	through	through	ADP
ajbmeb-294	82	16	the	the	DET
ajbmeb-294	82	17	target	target	NOUN
ajbmeb-294	82	18	cost	cost	NOUN
ajbmeb-294	82	19	,	,	PUNCT
ajbmeb-294	82	20	and	and	CCONJ
ajbmeb-294	82	21	its	its	PRON
ajbmeb-294	82	22	idea	idea	NOUN
ajbmeb-294	82	23	is	be	AUX
ajbmeb-294	82	24	based	base	VERB
ajbmeb-294	82	25	on	on	ADP
ajbmeb-294	82	26	setting	set	VERB
ajbmeb-294	82	27	high	high	ADJ
ajbmeb-294	82	28	prices	price	NOUN
ajbmeb-294	82	29	for	for	ADP
ajbmeb-294	82	30	banking	banking	NOUN
ajbmeb-294	82	31	service	service	NOUN
ajbmeb-294	82	32	from	from	ADP
ajbmeb-294	82	33	the	the	DET
ajbmeb-294	82	34	beginning	beginning	NOUN
ajbmeb-294	82	35	in	in	ADP
ajbmeb-294	82	36	order	order	NOUN
ajbmeb-294	82	37	to	to	PART
ajbmeb-294	82	38	maximize	maximize	VERB
ajbmeb-294	82	39	profits	profit	NOUN
ajbmeb-294	82	40	in	in	ADP
ajbmeb-294	82	41	the	the	DET
ajbmeb-294	82	42	short	short	ADJ
ajbmeb-294	82	43	term	term	NOUN
ajbmeb-294	82	44	,	,	PUNCT
ajbmeb-294	82	45	as	as	SCONJ
ajbmeb-294	82	46	there	there	PRON
ajbmeb-294	82	47	is	be	VERB
ajbmeb-294	82	48	a	a	DET
ajbmeb-294	82	49	category	category	NOUN
ajbmeb-294	82	50	of	of	ADP
ajbmeb-294	82	51	customers	customer	NOUN
ajbmeb-294	82	52	who	who	PRON
ajbmeb-294	82	53	have	have	VERB
ajbmeb-294	82	54	the	the	DET
ajbmeb-294	82	55	desire	desire	NOUN
ajbmeb-294	82	56	and	and	CCONJ
ajbmeb-294	82	57	willingness	willingness	NOUN
ajbmeb-294	82	58	to	to	PART
ajbmeb-294	82	59	pay	pay	VERB
ajbmeb-294	82	60	the	the	DET
ajbmeb-294	82	61	price	price	NOUN
ajbmeb-294	82	62	and	and	CCONJ
ajbmeb-294	82	63	obtain	obtain	VERB
ajbmeb-294	82	64	the	the	DET
ajbmeb-294	82	65	service	service	NOUN
ajbmeb-294	82	66	,	,	PUNCT
ajbmeb-294	82	67	then	then	ADV
ajbmeb-294	82	68	the	the	DET
ajbmeb-294	82	69	bank	bank	NOUN
ajbmeb-294	82	70	reduces	reduce	VERB
ajbmeb-294	82	71	the	the	DET
ajbmeb-294	82	72	price	price	NOUN
ajbmeb-294	82	73	in	in	ADP
ajbmeb-294	82	74	order	order	NOUN
ajbmeb-294	82	75	to	to	PART
ajbmeb-294	82	76	obtain	obtain	VERB
ajbmeb-294	82	77	other	other	ADJ
ajbmeb-294	82	78	categories	category	NOUN
ajbmeb-294	82	79	of	of	ADP
ajbmeb-294	82	80	customers	customer	NOUN
ajbmeb-294	82	81	,	,	PUNCT
ajbmeb-294	82	82	and	and	CCONJ
ajbmeb-294	82	83	respond	respond	VERB
ajbmeb-294	82	84	to	to	ADP
ajbmeb-294	82	85	the	the	DET
ajbmeb-294	82	86	market	market	NOUN
ajbmeb-294	82	87	and	and	CCONJ
ajbmeb-294	82	88	competition	competition	NOUN
ajbmeb-294	82	89	.	.	PUNCT
ajbmeb-294	83	1	american	american	ADJ
ajbmeb-294	83	2	journal	journal	PROPN
ajbmeb-294	83	3	of	of	ADP
ajbmeb-294	83	4	business	business	NOUN
ajbmeb-294	83	5	management	management	NOUN
ajbmeb-294	83	6	,	,	PUNCT
ajbmeb-294	83	7	economics	economic	NOUN
ajbmeb-294	83	8	and	and	CCONJ
ajbmeb-294	83	9	banking	banking	NOUN
ajbmeb-294	83	10	volume	volume	NOUN
ajbmeb-294	83	11	8	8	NUM
ajbmeb-294	83	12	,	,	PUNCT
ajbmeb-294	83	13	jan	jan	PROPN
ajbmeb-294	83	14	.	.	PROPN
ajbmeb-294	83	15	,	,	PUNCT
ajbmeb-294	83	16	2023	2023	NUM
ajbmeb-294	83	17	p	p	NOUN
ajbmeb-294	83	18	a	a	DET
ajbmeb-294	83	19	g	g	NOUN
ajbmeb-294	83	20	e	e	NOUN
ajbmeb-294	83	21	|	|	ADV
ajbmeb-294	83	22	24	24	NUM
ajbmeb-294	83	23	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-294	83	24	3price	3price	NUM
ajbmeb-294	83	25	leadership	leadership	NOUN
ajbmeb-294	83	26	strategy	strategy	NOUN
ajbmeb-294	83	27	:	:	PUNCT
ajbmeb-294	83	28	this	this	DET
ajbmeb-294	83	29	situation	situation	NOUN
ajbmeb-294	83	30	is	be	AUX
ajbmeb-294	83	31	embodied	embody	VERB
ajbmeb-294	83	32	when	when	SCONJ
ajbmeb-294	83	33	there	there	PRON
ajbmeb-294	83	34	is	be	VERB
ajbmeb-294	83	35	a	a	DET
ajbmeb-294	83	36	particular	particular	ADJ
ajbmeb-294	83	37	bank	bank	NOUN
ajbmeb-294	83	38	that	that	PRON
ajbmeb-294	83	39	is	be	AUX
ajbmeb-294	83	40	generally	generally	ADV
ajbmeb-294	83	41	known	know	VERB
ajbmeb-294	83	42	by	by	ADP
ajbmeb-294	83	43	the	the	DET
ajbmeb-294	83	44	rest	rest	NOUN
ajbmeb-294	83	45	of	of	ADP
ajbmeb-294	83	46	the	the	DET
ajbmeb-294	83	47	banks	bank	NOUN
ajbmeb-294	83	48	as	as	ADP
ajbmeb-294	83	49	a	a	DET
ajbmeb-294	83	50	rate	rate	NOUN
ajbmeb-294	83	51	commander	commander	NOUN
ajbmeb-294	83	52	since	since	SCONJ
ajbmeb-294	83	53	it	it	PRON
ajbmeb-294	83	54	is	be	AUX
ajbmeb-294	83	55	he	he	PRON
ajbmeb-294	83	56	who	who	PRON
ajbmeb-294	83	57	sets	set	VERB
ajbmeb-294	83	58	the	the	DET
ajbmeb-294	83	59	price	price	NOUN
ajbmeb-294	83	60	and	and	CCONJ
ajbmeb-294	83	61	then	then	ADV
ajbmeb-294	83	62	the	the	DET
ajbmeb-294	83	63	rest	rest	NOUN
ajbmeb-294	83	64	of	of	ADP
ajbmeb-294	83	65	the	the	DET
ajbmeb-294	83	66	banks	bank	NOUN
ajbmeb-294	83	67	follow	follow	VERB
ajbmeb-294	83	68	him	he	PRON
ajbmeb-294	83	69	;	;	PUNCT
ajbmeb-294	83	70	the	the	DET
ajbmeb-294	83	71	choice	choice	NOUN
ajbmeb-294	83	72	of	of	ADP
ajbmeb-294	83	73	the	the	DET
ajbmeb-294	83	74	strategy	strategy	NOUN
ajbmeb-294	83	75	that	that	PRON
ajbmeb-294	83	76	the	the	DET
ajbmeb-294	83	77	bank	bank	NOUN
ajbmeb-294	83	78	follows	follow	VERB
ajbmeb-294	83	79	depends	depend	VERB
ajbmeb-294	83	80	on	on	ADP
ajbmeb-294	83	81	several	several	ADJ
ajbmeb-294	83	82	factors	factor	NOUN
ajbmeb-294	83	83	,	,	PUNCT
ajbmeb-294	83	84	including	include	VERB
ajbmeb-294	83	85	the	the	DET
ajbmeb-294	83	86	bank	bank	NOUN
ajbmeb-294	83	87	's	's	PART
ajbmeb-294	83	88	objectives	objective	NOUN
ajbmeb-294	83	89	,	,	PUNCT
ajbmeb-294	83	90	and	and	CCONJ
ajbmeb-294	83	91	the	the	DET
ajbmeb-294	83	92	assessment	assessment	NOUN
ajbmeb-294	83	93	of	of	ADP
ajbmeb-294	83	94	the	the	DET
ajbmeb-294	83	95	strategy	strategy	NOUN
ajbmeb-294	83	96	that	that	PRON
ajbmeb-294	83	97	has	have	VERB
ajbmeb-294	83	98	greater	great	ADJ
ajbmeb-294	83	99	chances	chance	NOUN
ajbmeb-294	83	100	of	of	ADP
ajbmeb-294	83	101	success	success	NOUN
ajbmeb-294	83	102	.	.	PUNCT
ajbmeb-294	84	1	the	the	DET
ajbmeb-294	84	2	pricing	pricing	NOUN
ajbmeb-294	84	3	of	of	ADP
ajbmeb-294	84	4	new	new	ADJ
ajbmeb-294	84	5	services	service	NOUN
ajbmeb-294	84	6	is	be	AUX
ajbmeb-294	84	7	one	one	NUM
ajbmeb-294	84	8	of	of	ADP
ajbmeb-294	84	9	the	the	DET
ajbmeb-294	84	10	most	most	ADV
ajbmeb-294	84	11	difficult	difficult	ADJ
ajbmeb-294	84	12	problems	problem	NOUN
ajbmeb-294	84	13	facing	face	VERB
ajbmeb-294	84	14	the	the	DET
ajbmeb-294	84	15	bank	bank	NOUN
ajbmeb-294	84	16	because	because	SCONJ
ajbmeb-294	84	17	of	of	ADP
ajbmeb-294	84	18	the	the	DET
ajbmeb-294	84	19	ambiguity	ambiguity	NOUN
ajbmeb-294	84	20	and	and	CCONJ
ajbmeb-294	84	21	uncertainty	uncertainty	NOUN
ajbmeb-294	84	22	surrounding	surround	VERB
ajbmeb-294	84	23	the	the	DET
ajbmeb-294	84	24	ability	ability	NOUN
ajbmeb-294	84	25	of	of	ADP
ajbmeb-294	84	26	customers	customer	NOUN
ajbmeb-294	84	27	to	to	PART
ajbmeb-294	84	28	accept	accept	VERB
ajbmeb-294	84	29	the	the	DET
ajbmeb-294	84	30	prices	price	NOUN
ajbmeb-294	84	31	offered	offer	VERB
ajbmeb-294	84	32	for	for	ADP
ajbmeb-294	84	33	these	these	DET
ajbmeb-294	84	34	new	new	ADJ
ajbmeb-294	84	35	services	service	NOUN
ajbmeb-294	84	36	.	.	PUNCT
ajbmeb-294	85	1	it	it	PRON
ajbmeb-294	85	2	is	be	AUX
ajbmeb-294	85	3	better	well	ADJ
ajbmeb-294	85	4	to	to	PART
ajbmeb-294	85	5	study	study	VERB
ajbmeb-294	85	6	and	and	CCONJ
ajbmeb-294	85	7	collect	collect	VERB
ajbmeb-294	85	8	information	information	NOUN
ajbmeb-294	85	9	from	from	ADP
ajbmeb-294	85	10	the	the	DET
ajbmeb-294	85	11	market	market	NOUN
ajbmeb-294	85	12	before	before	ADP
ajbmeb-294	85	13	pricing	price	VERB
ajbmeb-294	85	14	in	in	ADP
ajbmeb-294	85	15	order	order	NOUN
ajbmeb-294	85	16	to	to	PART
ajbmeb-294	85	17	enlighten	enlighten	VERB
ajbmeb-294	85	18	them	they	PRON
ajbmeb-294	85	19	when	when	SCONJ
ajbmeb-294	85	20	pricing	pricing	NOUN
ajbmeb-294	85	21	services	service	NOUN
ajbmeb-294	85	22	,	,	PUNCT
ajbmeb-294	85	23	because	because	SCONJ
ajbmeb-294	85	24	following	follow	VERB
ajbmeb-294	85	25	the	the	DET
ajbmeb-294	85	26	appropriate	appropriate	ADJ
ajbmeb-294	85	27	pricing	pricing	NOUN
ajbmeb-294	85	28	policy	policy	NOUN
ajbmeb-294	85	29	will	will	AUX
ajbmeb-294	85	30	lead	lead	VERB
ajbmeb-294	85	31	to	to	ADP
ajbmeb-294	85	32	rationalizing	rationalize	VERB
ajbmeb-294	85	33	pricing	pricing	NOUN
ajbmeb-294	85	34	decisions	decision	NOUN
ajbmeb-294	85	35	and	and	CCONJ
ajbmeb-294	85	36	contribute	contribute	VERB
ajbmeb-294	85	37	to	to	ADP
ajbmeb-294	85	38	achieving	achieve	VERB
ajbmeb-294	85	39	the	the	DET
ajbmeb-294	85	40	bank	bank	NOUN
ajbmeb-294	85	41	’s	’s	PART
ajbmeb-294	85	42	goals	goal	NOUN
ajbmeb-294	85	43	,	,	PUNCT
ajbmeb-294	85	44	whether	whether	SCONJ
ajbmeb-294	85	45	in	in	ADP
ajbmeb-294	85	46	the	the	DET
ajbmeb-294	85	47	short	short	ADJ
ajbmeb-294	85	48	or	or	CCONJ
ajbmeb-294	85	49	long	long	ADJ
ajbmeb-294	85	50	term	term	NOUN
ajbmeb-294	85	51	.	.	PUNCT
ajbmeb-294	86	1	theoretical	theoretical	ADJ
ajbmeb-294	86	2	aspect	aspect	NOUN
ajbmeb-294	86	3	:	:	PUNCT
ajbmeb-294	86	4	sustainable	sustainable	ADJ
ajbmeb-294	86	5	competitive	competitive	ADJ
ajbmeb-294	86	6	advantage	advantage	NOUN
ajbmeb-294	86	7	first	first	ADV
ajbmeb-294	86	8	:	:	PUNCT
ajbmeb-294	86	9	the	the	DET
ajbmeb-294	86	10	concept	concept	NOUN
ajbmeb-294	86	11	of	of	ADP
ajbmeb-294	86	12	sustainable	sustainable	ADJ
ajbmeb-294	86	13	competitive	competitive	ADJ
ajbmeb-294	86	14	advantage	advantage	NOUN
ajbmeb-294	86	15	:	:	PUNCT
ajbmeb-294	86	16	the	the	DET
ajbmeb-294	86	17	concept	concept	NOUN
ajbmeb-294	86	18	of	of	ADP
ajbmeb-294	86	19	competitive	competitive	ADJ
ajbmeb-294	86	20	advantage	advantage	NOUN
ajbmeb-294	86	21	emerged	emerge	VERB
ajbmeb-294	86	22	in	in	ADP
ajbmeb-294	86	23	the	the	DET
ajbmeb-294	86	24	mid	mid	NOUN
ajbmeb-294	86	25	-	-	NOUN
ajbmeb-294	86	26	seventies	seventy	NOUN
ajbmeb-294	86	27	of	of	ADP
ajbmeb-294	86	28	the	the	DET
ajbmeb-294	86	29	last	last	ADJ
ajbmeb-294	86	30	century	century	NOUN
ajbmeb-294	86	31	after	after	SCONJ
ajbmeb-294	86	32	the	the	DET
ajbmeb-294	86	33	concept	concept	NOUN
ajbmeb-294	86	34	of	of	ADP
ajbmeb-294	86	35	comparative	comparative	ADJ
ajbmeb-294	86	36	advantage	advantage	NOUN
ajbmeb-294	86	37	prevailed	prevail	VERB
ajbmeb-294	86	38	among	among	ADP
ajbmeb-294	86	39	economists	economist	NOUN
ajbmeb-294	86	40	and	and	CCONJ
ajbmeb-294	86	41	businessmen	businessman	NOUN
ajbmeb-294	86	42	,	,	PUNCT
ajbmeb-294	86	43	which	which	PRON
ajbmeb-294	86	44	was	be	AUX
ajbmeb-294	86	45	the	the	DET
ajbmeb-294	86	46	cornerstone	cornerstone	NOUN
ajbmeb-294	86	47	in	in	ADP
ajbmeb-294	86	48	determining	determine	VERB
ajbmeb-294	86	49	the	the	DET
ajbmeb-294	86	50	path	path	NOUN
ajbmeb-294	86	51	of	of	ADP
ajbmeb-294	86	52	international	international	ADJ
ajbmeb-294	86	53	trade	trade	NOUN
ajbmeb-294	86	54	and	and	CCONJ
ajbmeb-294	86	55	areas	area	NOUN
ajbmeb-294	86	56	of	of	ADP
ajbmeb-294	86	57	specialization	specialization	NOUN
ajbmeb-294	86	58	,	,	PUNCT
ajbmeb-294	86	59	and	and	CCONJ
ajbmeb-294	86	60	through	through	ADP
ajbmeb-294	86	61	which	which	PRON
ajbmeb-294	86	62	work	work	NOUN
ajbmeb-294	86	63	is	be	AUX
ajbmeb-294	86	64	evaluated	evaluate	VERB
ajbmeb-294	86	65	for	for	ADP
ajbmeb-294	86	66	organizations	organization	NOUN
ajbmeb-294	86	67	and	and	CCONJ
ajbmeb-294	86	68	countries	country	NOUN
ajbmeb-294	86	69	alike	alike	ADV
ajbmeb-294	86	70	.	.	PUNCT
ajbmeb-294	87	1	how	how	SCONJ
ajbmeb-294	87	2	to	to	PART
ajbmeb-294	87	3	convert	convert	VERB
ajbmeb-294	87	4	comparative	comparative	ADJ
ajbmeb-294	87	5	advantage	advantage	NOUN
ajbmeb-294	87	6	into	into	ADP
ajbmeb-294	87	7	competitive	competitive	ADJ
ajbmeb-294	87	8	advantages	advantage	NOUN
ajbmeb-294	87	9	through	through	ADP
ajbmeb-294	87	10	the	the	DET
ajbmeb-294	87	11	ability	ability	NOUN
ajbmeb-294	87	12	to	to	PART
ajbmeb-294	87	13	produce	produce	VERB
ajbmeb-294	87	14	factors	factor	NOUN
ajbmeb-294	87	15	of	of	ADP
ajbmeb-294	87	16	production	production	NOUN
ajbmeb-294	87	17	has	have	AUX
ajbmeb-294	87	18	become	become	VERB
ajbmeb-294	87	19	the	the	DET
ajbmeb-294	87	20	main	main	ADJ
ajbmeb-294	87	21	challenge	challenge	NOUN
ajbmeb-294	87	22	facing	face	VERB
ajbmeb-294	87	23	economists	economist	NOUN
ajbmeb-294	87	24	and	and	CCONJ
ajbmeb-294	87	25	management	management	NOUN
ajbmeb-294	87	26	,	,	PUNCT
ajbmeb-294	87	27	which	which	PRON
ajbmeb-294	87	28	are	be	AUX
ajbmeb-294	87	29	founded	found	VERB
ajbmeb-294	87	30	on	on	ADP
ajbmeb-294	87	31	high	high	ADJ
ajbmeb-294	87	32	human	human	ADJ
ajbmeb-294	87	33	skill	skill	NOUN
ajbmeb-294	87	34	levels	level	NOUN
ajbmeb-294	87	35	on	on	ADP
ajbmeb-294	87	36	the	the	DET
ajbmeb-294	87	37	one	one	NUM
ajbmeb-294	87	38	hand	hand	NOUN
ajbmeb-294	87	39	and	and	CCONJ
ajbmeb-294	87	40	a	a	DET
ajbmeb-294	87	41	solid	solid	ADJ
ajbmeb-294	87	42	scientific	scientific	ADJ
ajbmeb-294	87	43	foundation	foundation	NOUN
ajbmeb-294	87	44	on	on	ADP
ajbmeb-294	87	45	the	the	DET
ajbmeb-294	87	46	other	other	ADJ
ajbmeb-294	87	47	,	,	PUNCT
ajbmeb-294	87	48	the	the	DET
ajbmeb-294	87	49	idea	idea	NOUN
ajbmeb-294	87	50	of	of	ADP
ajbmeb-294	87	51	competitive	competitive	ADJ
ajbmeb-294	87	52	advantage	advantage	NOUN
ajbmeb-294	87	53	has	have	AUX
ajbmeb-294	87	54	drawn	draw	VERB
ajbmeb-294	87	55	significant	significant	ADJ
ajbmeb-294	87	56	attention	attention	NOUN
ajbmeb-294	87	57	in	in	ADP
ajbmeb-294	87	58	the	the	DET
ajbmeb-294	87	59	literature	literature	NOUN
ajbmeb-294	87	60	of	of	ADP
ajbmeb-294	87	61	financial	financial	ADJ
ajbmeb-294	87	62	management	management	NOUN
ajbmeb-294	87	63	,	,	PUNCT
ajbmeb-294	87	64	and	and	CCONJ
ajbmeb-294	87	65	in	in	ADP
ajbmeb-294	87	66	spite	spite	NOUN
ajbmeb-294	87	67	of	of	ADP
ajbmeb-294	87	68	that	that	PRON
ajbmeb-294	87	69	,	,	PUNCT
ajbmeb-294	87	70	this	this	DET
ajbmeb-294	87	71	term	term	NOUN
ajbmeb-294	87	72	still	still	ADV
ajbmeb-294	87	73	needs	need	VERB
ajbmeb-294	87	74	more	more	ADJ
ajbmeb-294	87	75	enrichment	enrichment	NOUN
ajbmeb-294	87	76	and	and	CCONJ
ajbmeb-294	87	77	framing	framing	NOUN
ajbmeb-294	87	78	(	(	PUNCT
ajbmeb-294	87	79	al	al	PROPN
ajbmeb-294	87	80	-	-	PUNCT
ajbmeb-294	87	81	sherbiny,1996	sherbiny,1996	ADJ
ajbmeb-294	87	82	:	:	PUNCT
ajbmeb-294	87	83	1	1	NUM
ajbmeb-294	87	84	)	)	PUNCT
ajbmeb-294	87	85	.	.	PUNCT
ajbmeb-294	88	1	the	the	DET
ajbmeb-294	88	2	study	study	NOUN
ajbmeb-294	88	3	(	(	PUNCT
ajbmeb-294	88	4	reed	reed	PROPN
ajbmeb-294	88	5	&	&	CCONJ
ajbmeb-294	88	6	defellipi	defellipi	PROPN
ajbmeb-294	88	7	:	:	PUNCT
ajbmeb-294	88	8	1990	1990	NUM
ajbmeb-294	88	9	,	,	PUNCT
ajbmeb-294	88	10	90	90	NUM
ajbmeb-294	88	11	)	)	PUNCT
ajbmeb-294	88	12	showed	show	VERB
ajbmeb-294	88	13	that	that	SCONJ
ajbmeb-294	88	14	there	there	PRON
ajbmeb-294	88	15	is	be	VERB
ajbmeb-294	88	16	no	no	PRON
ajbmeb-294	88	17	completely	completely	ADV
ajbmeb-294	88	18	defined	define	VERB
ajbmeb-294	88	19	and	and	CCONJ
ajbmeb-294	88	20	agreed	agree	VERB
ajbmeb-294	88	21	upon	upon	SCONJ
ajbmeb-294	88	22	concept	concept	NOUN
ajbmeb-294	88	23	or	or	CCONJ
ajbmeb-294	88	24	definition	definition	NOUN
ajbmeb-294	88	25	of	of	ADP
ajbmeb-294	88	26	competitive	competitive	ADJ
ajbmeb-294	88	27	advantage	advantage	NOUN
ajbmeb-294	88	28	.	.	PUNCT
ajbmeb-294	89	1	the	the	DET
ajbmeb-294	89	2	reason	reason	NOUN
ajbmeb-294	89	3	for	for	ADP
ajbmeb-294	89	4	this	this	PRON
ajbmeb-294	89	5	is	be	AUX
ajbmeb-294	89	6	due	due	ADJ
ajbmeb-294	89	7	to	to	ADP
ajbmeb-294	89	8	the	the	DET
ajbmeb-294	89	9	novelty	novelty	NOUN
ajbmeb-294	89	10	of	of	ADP
ajbmeb-294	89	11	the	the	DET
ajbmeb-294	89	12	field	field	NOUN
ajbmeb-294	89	13	of	of	ADP
ajbmeb-294	89	14	financial	financial	ADJ
ajbmeb-294	89	15	management	management	NOUN
ajbmeb-294	89	16	,	,	PUNCT
ajbmeb-294	89	17	which	which	PRON
ajbmeb-294	89	18	made	make	VERB
ajbmeb-294	89	19	some	some	PRON
ajbmeb-294	89	20	of	of	ADP
ajbmeb-294	89	21	its	its	PRON
ajbmeb-294	89	22	concepts	concept	NOUN
ajbmeb-294	89	23	,	,	PUNCT
ajbmeb-294	89	24	including	include	VERB
ajbmeb-294	89	25	the	the	DET
ajbmeb-294	89	26	competitive	competitive	ADJ
ajbmeb-294	89	27	advantage	advantage	NOUN
ajbmeb-294	89	28	,	,	PUNCT
ajbmeb-294	89	29	still	still	ADV
ajbmeb-294	89	30	without	without	ADP
ajbmeb-294	89	31	a	a	DET
ajbmeb-294	89	32	fully	fully	ADV
ajbmeb-294	89	33	defined	define	VERB
ajbmeb-294	89	34	definition	definition	NOUN
ajbmeb-294	89	35	.	.	PUNCT
ajbmeb-294	90	1	in	in	ADP
ajbmeb-294	90	2	addition	addition	NOUN
ajbmeb-294	90	3	,	,	PUNCT
ajbmeb-294	90	4	the	the	DET
ajbmeb-294	90	5	dimensions	dimension	NOUN
ajbmeb-294	90	6	and	and	CCONJ
ajbmeb-294	90	7	elements	element	NOUN
ajbmeb-294	90	8	that	that	PRON
ajbmeb-294	90	9	the	the	DET
ajbmeb-294	90	10	competitive	competitive	ADJ
ajbmeb-294	90	11	advantage	advantage	NOUN
ajbmeb-294	90	12	interacts	interact	VERB
ajbmeb-294	90	13	with	with	ADP
ajbmeb-294	90	14	are	be	AUX
ajbmeb-294	90	15	numerous	numerous	ADJ
ajbmeb-294	90	16	and	and	CCONJ
ajbmeb-294	90	17	varied	varied	ADJ
ajbmeb-294	90	18	.	.	PUNCT
ajbmeb-294	91	1	the	the	DET
ajbmeb-294	91	2	most	most	ADV
ajbmeb-294	91	3	obvious	obvious	ADJ
ajbmeb-294	91	4	concept	concept	NOUN
ajbmeb-294	91	5	of	of	ADP
ajbmeb-294	91	6	competitive	competitive	ADJ
ajbmeb-294	91	7	advantage	advantage	NOUN
ajbmeb-294	91	8	,	,	PUNCT
ajbmeb-294	91	9	which	which	PRON
ajbmeb-294	91	10	sees	see	VERB
ajbmeb-294	91	11	that	that	SCONJ
ajbmeb-294	91	12	obtaining	obtain	VERB
ajbmeb-294	91	13	a	a	DET
ajbmeb-294	91	14	competitive	competitive	ADJ
ajbmeb-294	91	15	advantage	advantage	NOUN
ajbmeb-294	91	16	is	be	AUX
ajbmeb-294	91	17	through	through	ADP
ajbmeb-294	91	18	creating	create	VERB
ajbmeb-294	91	19	a	a	DET
ajbmeb-294	91	20	creative	creative	ADJ
ajbmeb-294	91	21	offensive	offensive	ADJ
ajbmeb-294	91	22	strategy	strategy	NOUN
ajbmeb-294	91	23	that	that	PRON
ajbmeb-294	91	24	can	can	AUX
ajbmeb-294	91	25	not	not	PART
ajbmeb-294	91	26	be	be	AUX
ajbmeb-294	91	27	threatened	threaten	VERB
ajbmeb-294	91	28	by	by	ADP
ajbmeb-294	91	29	competitors	competitor	NOUN
ajbmeb-294	91	30	(	(	PUNCT
ajbmeb-294	91	31	thompson	thompson	PROPN
ajbmeb-294	91	32	&	&	CCONJ
ajbmeb-294	91	33	strickland	strickland	PROPN
ajbmeb-294	91	34	:	:	PUNCT
ajbmeb-294	91	35	2003,185	2003,185	NUM
ajbmeb-294	91	36	)	)	PUNCT
ajbmeb-294	91	37	.	.	PUNCT
ajbmeb-294	92	1	there	there	PRON
ajbmeb-294	92	2	is	be	VERB
ajbmeb-294	92	3	another	another	DET
ajbmeb-294	92	4	concept	concept	NOUN
ajbmeb-294	92	5	of	of	ADP
ajbmeb-294	92	6	competitive	competitive	ADJ
ajbmeb-294	92	7	advantage	advantage	NOUN
ajbmeb-294	92	8	as	as	SCONJ
ajbmeb-294	92	9	,	,	PUNCT
ajbmeb-294	92	10	the	the	DET
ajbmeb-294	92	11	capacity	capacity	NOUN
ajbmeb-294	92	12	of	of	ADP
ajbmeb-294	92	13	the	the	DET
ajbmeb-294	92	14	organization	organization	NOUN
ajbmeb-294	92	15	to	to	PART
ajbmeb-294	92	16	outperform	outperform	VERB
ajbmeb-294	92	17	and	and	CCONJ
ajbmeb-294	92	18	stand	stand	VERB
ajbmeb-294	92	19	out	out	ADP
ajbmeb-294	92	20	from	from	ADP
ajbmeb-294	92	21	rivals	rival	NOUN
ajbmeb-294	92	22	by	by	ADP
ajbmeb-294	92	23	building	build	VERB
ajbmeb-294	92	24	specialized	specialized	ADJ
ajbmeb-294	92	25	competencies	competency	NOUN
ajbmeb-294	92	26	within	within	ADP
ajbmeb-294	92	27	the	the	DET
ajbmeb-294	92	28	organization	organization	NOUN
ajbmeb-294	92	29	(	(	PUNCT
ajbmeb-294	92	30	mohsen	mohsen	PROPN
ajbmeb-294	92	31	and	and	CCONJ
ajbmeb-294	92	32	al	al	PROPN
ajbmeb-294	92	33	-	-	PUNCT
ajbmeb-294	92	34	najjar	najjar	PROPN
ajbmeb-294	92	35	,	,	PUNCT
ajbmeb-294	92	36	2004	2004	NUM
ajbmeb-294	92	37	:	:	PUNCT
ajbmeb-294	92	38	52	52	NUM
ajbmeb-294	92	39	)	)	PUNCT
ajbmeb-294	92	40	.	.	PUNCT
ajbmeb-294	93	1	as	as	ADP
ajbmeb-294	93	2	for	for	ADP
ajbmeb-294	93	3	the	the	DET
ajbmeb-294	93	4	importance	importance	NOUN
ajbmeb-294	93	5	of	of	ADP
ajbmeb-294	93	6	competitive	competitive	ADJ
ajbmeb-294	93	7	advantage	advantage	NOUN
ajbmeb-294	93	8	,	,	PUNCT
ajbmeb-294	93	9	it	it	PRON
ajbmeb-294	93	10	stands	stand	VERB
ajbmeb-294	93	11	out	out	ADP
ajbmeb-294	93	12	as	as	ADP
ajbmeb-294	93	13	a	a	DET
ajbmeb-294	93	14	goal	goal	NOUN
ajbmeb-294	93	15	that	that	PRON
ajbmeb-294	93	16	all	all	DET
ajbmeb-294	93	17	organizations	organization	NOUN
ajbmeb-294	93	18	seek	seek	VERB
ajbmeb-294	93	19	to	to	PART
ajbmeb-294	93	20	reach	reach	VERB
ajbmeb-294	93	21	in	in	ADP
ajbmeb-294	93	22	order	order	NOUN
ajbmeb-294	93	23	to	to	PART
ajbmeb-294	93	24	achieve	achieve	VERB
ajbmeb-294	93	25	superiority	superiority	NOUN
ajbmeb-294	93	26	over	over	ADP
ajbmeb-294	93	27	their	their	PRON
ajbmeb-294	93	28	competitors	competitor	NOUN
ajbmeb-294	93	29	in	in	ADP
ajbmeb-294	93	30	the	the	DET
ajbmeb-294	93	31	business	business	NOUN
ajbmeb-294	93	32	market	market	NOUN
ajbmeb-294	93	33	,	,	PUNCT
ajbmeb-294	93	34	the	the	DET
ajbmeb-294	93	35	success	success	NOUN
ajbmeb-294	93	36	they	they	PRON
ajbmeb-294	93	37	aspire	aspire	VERB
ajbmeb-294	93	38	to	to	ADP
ajbmeb-294	93	39	,	,	PUNCT
ajbmeb-294	93	40	and	and	CCONJ
ajbmeb-294	93	41	survival	survival	NOUN
ajbmeb-294	93	42	and	and	CCONJ
ajbmeb-294	93	43	growth	growth	NOUN
ajbmeb-294	93	44	in	in	ADP
ajbmeb-294	93	45	light	light	NOUN
ajbmeb-294	93	46	of	of	ADP
ajbmeb-294	93	47	the	the	DET
ajbmeb-294	93	48	enormous	enormous	ADJ
ajbmeb-294	93	49	pressures	pressure	NOUN
ajbmeb-294	93	50	and	and	CCONJ
ajbmeb-294	93	51	rapid	rapid	ADJ
ajbmeb-294	93	52	changes	change	NOUN
ajbmeb-294	93	53	that	that	PRON
ajbmeb-294	93	54	characterize	characterize	VERB
ajbmeb-294	93	55	those	those	DET
ajbmeb-294	93	56	markets	market	NOUN
ajbmeb-294	93	57	.	.	PUNCT
ajbmeb-294	94	1	the	the	DET
ajbmeb-294	94	2	study	study	NOUN
ajbmeb-294	94	3	(	(	PUNCT
ajbmeb-294	94	4	macmillan	macmillan	PROPN
ajbmeb-294	94	5	&	&	CCONJ
ajbmeb-294	94	6	tampo	tampo	PROPN
ajbmeb-294	94	7	:	:	PUNCT
ajbmeb-294	94	8	2000	2000	NUM
ajbmeb-294	94	9	,	,	PUNCT
ajbmeb-294	94	10	89	89	NUM
ajbmeb-294	94	11	)	)	PUNCT
ajbmeb-294	94	12	showed	show	VERB
ajbmeb-294	94	13	that	that	SCONJ
ajbmeb-294	94	14	the	the	DET
ajbmeb-294	94	15	competitive	competitive	ADJ
ajbmeb-294	94	16	advantage	advantage	NOUN
ajbmeb-294	94	17	is	be	AUX
ajbmeb-294	94	18	an	an	DET
ajbmeb-294	94	19	important	important	ADJ
ajbmeb-294	94	20	criterion	criterion	NOUN
ajbmeb-294	94	21	for	for	ADP
ajbmeb-294	94	22	the	the	DET
ajbmeb-294	94	23	banking	banking	NOUN
ajbmeb-294	94	24	sector	sector	NOUN
ajbmeb-294	94	25	because	because	SCONJ
ajbmeb-294	94	26	successful	successful	ADJ
ajbmeb-294	94	27	banks	bank	NOUN
ajbmeb-294	94	28	are	be	AUX
ajbmeb-294	94	29	constantly	constantly	ADV
ajbmeb-294	94	30	creating	create	VERB
ajbmeb-294	94	31	new	new	ADJ
ajbmeb-294	94	32	models	model	NOUN
ajbmeb-294	94	33	for	for	ADP
ajbmeb-294	94	34	their	their	PRON
ajbmeb-294	94	35	competitive	competitive	ADJ
ajbmeb-294	94	36	advantage	advantage	NOUN
ajbmeb-294	94	37	,	,	PUNCT
ajbmeb-294	94	38	as	as	ADV
ajbmeb-294	94	39	long	long	ADV
ajbmeb-294	94	40	as	as	SCONJ
ajbmeb-294	94	41	the	the	DET
ajbmeb-294	94	42	old	old	ADJ
ajbmeb-294	94	43	models	model	NOUN
ajbmeb-294	94	44	for	for	ADP
ajbmeb-294	94	45	them	they	PRON
ajbmeb-294	94	46	have	have	AUX
ajbmeb-294	94	47	become	become	VERB
ajbmeb-294	94	48	widely	widely	ADV
ajbmeb-294	94	49	known	know	VERB
ajbmeb-294	94	50	and	and	CCONJ
ajbmeb-294	94	51	available	available	ADJ
ajbmeb-294	94	52	and	and	CCONJ
ajbmeb-294	94	53	that	that	SCONJ
ajbmeb-294	94	54	competitors	competitor	NOUN
ajbmeb-294	94	55	are	be	AUX
ajbmeb-294	94	56	fully	fully	ADV
ajbmeb-294	94	57	aware	aware	ADJ
ajbmeb-294	94	58	of	of	ADP
ajbmeb-294	94	59	them	they	PRON
ajbmeb-294	94	60	.	.	PUNCT
ajbmeb-294	95	1	as	as	ADP
ajbmeb-294	95	2	for	for	ADP
ajbmeb-294	95	3	(	(	PUNCT
ajbmeb-294	95	4	awad	awad	NOUN
ajbmeb-294	95	5	,	,	PUNCT
ajbmeb-294	95	6	2000	2000	NUM
ajbmeb-294	95	7	:	:	PUNCT
ajbmeb-294	95	8	135	135	NUM
ajbmeb-294	95	9	)	)	PUNCT
ajbmeb-294	95	10	,	,	PUNCT
ajbmeb-294	95	11	he	he	PRON
ajbmeb-294	95	12	points	point	VERB
ajbmeb-294	95	13	out	out	ADP
ajbmeb-294	95	14	that	that	SCONJ
ajbmeb-294	95	15	the	the	DET
ajbmeb-294	95	16	importance	importance	NOUN
ajbmeb-294	95	17	of	of	ADP
ajbmeb-294	95	18	competitive	competitive	ADJ
ajbmeb-294	95	19	advantage	advantage	NOUN
ajbmeb-294	95	20	stands	stand	VERB
ajbmeb-294	95	21	out	out	ADP
ajbmeb-294	95	22	in	in	ADP
ajbmeb-294	95	23	determining	determine	VERB
ajbmeb-294	95	24	the	the	DET
ajbmeb-294	95	25	availability	availability	NOUN
ajbmeb-294	95	26	of	of	ADP
ajbmeb-294	95	27	the	the	DET
ajbmeb-294	95	28	basic	basic	ADJ
ajbmeb-294	95	29	elements	element	NOUN
ajbmeb-294	95	30	of	of	ADP
ajbmeb-294	95	31	success	success	NOUN
ajbmeb-294	95	32	compared	compare	VERB
ajbmeb-294	95	33	to	to	ADP
ajbmeb-294	95	34	competitors	competitor	NOUN
ajbmeb-294	95	35	,	,	PUNCT
ajbmeb-294	95	36	which	which	PRON
ajbmeb-294	95	37	is	be	AUX
ajbmeb-294	95	38	that	that	SCONJ
ajbmeb-294	95	39	the	the	DET
ajbmeb-294	95	40	bank	bank	NOUN
ajbmeb-294	95	41	has	have	VERB
ajbmeb-294	95	42	to	to	PART
ajbmeb-294	95	43	adopt	adopt	VERB
ajbmeb-294	95	44	its	its	PRON
ajbmeb-294	95	45	strategies	strategy	NOUN
ajbmeb-294	95	46	based	base	VERB
ajbmeb-294	95	47	on	on	ADP
ajbmeb-294	95	48	a	a	DET
ajbmeb-294	95	49	competitive	competitive	ADJ
ajbmeb-294	95	50	advantage	advantage	NOUN
ajbmeb-294	95	51	that	that	SCONJ
ajbmeb-294	95	52	other	other	ADJ
ajbmeb-294	95	53	banks	bank	NOUN
ajbmeb-294	95	54	do	do	AUX
ajbmeb-294	95	55	not	not	PART
ajbmeb-294	95	56	have	have	VERB
ajbmeb-294	95	57	.	.	PUNCT
ajbmeb-294	96	1	it	it	PRON
ajbmeb-294	96	2	also	also	ADV
ajbmeb-294	96	3	avoids	avoid	VERB
ajbmeb-294	96	4	strategies	strategy	NOUN
ajbmeb-294	96	5	whose	whose	DET
ajbmeb-294	96	6	success	success	NOUN
ajbmeb-294	96	7	requires	require	VERB
ajbmeb-294	96	8	the	the	DET
ajbmeb-294	96	9	availability	availability	NOUN
ajbmeb-294	96	10	of	of	ADP
ajbmeb-294	96	11	strengths	strength	NOUN
ajbmeb-294	96	12	that	that	PRON
ajbmeb-294	96	13	are	be	AUX
ajbmeb-294	96	14	not	not	PART
ajbmeb-294	96	15	available	available	ADJ
ajbmeb-294	96	16	in	in	ADP
ajbmeb-294	96	17	other	other	ADJ
ajbmeb-294	96	18	american	american	ADJ
ajbmeb-294	96	19	journal	journal	PROPN
ajbmeb-294	96	20	of	of	ADP
ajbmeb-294	96	21	business	business	NOUN
ajbmeb-294	96	22	management	management	NOUN
ajbmeb-294	96	23	,	,	PUNCT
ajbmeb-294	96	24	economics	economic	NOUN
ajbmeb-294	96	25	and	and	CCONJ
ajbmeb-294	96	26	banking	banking	NOUN
ajbmeb-294	96	27	volume	volume	NOUN
ajbmeb-294	96	28	8	8	NUM
ajbmeb-294	96	29	,	,	PUNCT
ajbmeb-294	96	30	jan	jan	PROPN
ajbmeb-294	96	31	.	.	PROPN
ajbmeb-294	96	32	,	,	PUNCT
ajbmeb-294	96	33	2023	2023	NUM
ajbmeb-294	96	34	p	p	NOUN
ajbmeb-294	96	35	a	a	DET
ajbmeb-294	96	36	g	g	NOUN
ajbmeb-294	96	37	e	e	NOUN
ajbmeb-294	96	38	|	|	NOUN
ajbmeb-294	96	39	25	25	NUM
ajbmeb-294	96	40	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	96	41	banks	bank	NOUN
ajbmeb-294	96	42	,	,	PUNCT
ajbmeb-294	96	43	and	and	CCONJ
ajbmeb-294	96	44	thus	thus	ADV
ajbmeb-294	96	45	the	the	DET
ajbmeb-294	96	46	bank	bank	NOUN
ajbmeb-294	96	47	's	's	PART
ajbmeb-294	96	48	strategies	strategy	NOUN
ajbmeb-294	96	49	can	can	AUX
ajbmeb-294	96	50	not	not	PART
ajbmeb-294	96	51	succeed	succeed	VERB
ajbmeb-294	96	52	unless	unless	SCONJ
ajbmeb-294	96	53	they	they	PRON
ajbmeb-294	96	54	are	be	AUX
ajbmeb-294	96	55	commensurate	commensurate	ADJ
ajbmeb-294	96	56	with	with	ADP
ajbmeb-294	96	57	its	its	PRON
ajbmeb-294	96	58	internal	internal	ADJ
ajbmeb-294	96	59	capabilities	capability	NOUN
ajbmeb-294	96	60	,	,	PUNCT
ajbmeb-294	96	61	what	what	PRON
ajbmeb-294	96	62	should	should	AUX
ajbmeb-294	96	63	be	be	AUX
ajbmeb-294	96	64	done	do	VERB
ajbmeb-294	96	65	is	be	AUX
ajbmeb-294	96	66	to	to	PART
ajbmeb-294	96	67	evaluate	evaluate	VERB
ajbmeb-294	96	68	these	these	DET
ajbmeb-294	96	69	potentials	potential	NOUN
ajbmeb-294	96	70	in	in	ADP
ajbmeb-294	96	71	a	a	DET
ajbmeb-294	96	72	realistic	realistic	ADJ
ajbmeb-294	96	73	manner	manner	NOUN
ajbmeb-294	96	74	so	so	SCONJ
ajbmeb-294	96	75	that	that	SCONJ
ajbmeb-294	96	76	banks	bank	NOUN
ajbmeb-294	96	77	set	set	VERB
ajbmeb-294	96	78	their	their	PRON
ajbmeb-294	96	79	strategies	strategy	NOUN
ajbmeb-294	96	80	within	within	ADP
ajbmeb-294	96	81	the	the	DET
ajbmeb-294	96	82	limits	limit	NOUN
ajbmeb-294	96	83	of	of	ADP
ajbmeb-294	96	84	real	real	ADJ
ajbmeb-294	96	85	potentials	potential	NOUN
ajbmeb-294	96	86	,	,	PUNCT
ajbmeb-294	96	87	because	because	SCONJ
ajbmeb-294	96	88	good	good	ADJ
ajbmeb-294	96	89	strategies	strategy	NOUN
ajbmeb-294	96	90	are	be	AUX
ajbmeb-294	96	91	based	base	VERB
ajbmeb-294	96	92	on	on	ADP
ajbmeb-294	96	93	realizing	realize	VERB
ajbmeb-294	96	94	the	the	DET
ajbmeb-294	96	95	strengths	strength	NOUN
ajbmeb-294	96	96	and	and	CCONJ
ajbmeb-294	96	97	weaknesses	weakness	NOUN
ajbmeb-294	96	98	of	of	ADP
ajbmeb-294	96	99	the	the	DET
ajbmeb-294	96	100	organization	organization	NOUN
ajbmeb-294	96	101	to	to	PART
ajbmeb-294	96	102	work	work	VERB
ajbmeb-294	96	103	within	within	ADP
ajbmeb-294	96	104	its	its	PRON
ajbmeb-294	96	105	limits	limit	NOUN
ajbmeb-294	96	106	.	.	PUNCT
ajbmeb-294	97	1	the	the	DET
ajbmeb-294	97	2	concept	concept	NOUN
ajbmeb-294	97	3	of	of	ADP
ajbmeb-294	97	4	sustainable	sustainable	ADJ
ajbmeb-294	97	5	competitive	competitive	ADJ
ajbmeb-294	97	6	advantage	advantage	NOUN
ajbmeb-294	97	7	is	be	AUX
ajbmeb-294	97	8	based	base	VERB
ajbmeb-294	97	9	on	on	ADP
ajbmeb-294	97	10	the	the	DET
ajbmeb-294	97	11	interconnected	interconnected	ADJ
ajbmeb-294	97	12	structure	structure	NOUN
ajbmeb-294	97	13	,	,	PUNCT
ajbmeb-294	97	14	reputation	reputation	NOUN
ajbmeb-294	97	15	,	,	PUNCT
ajbmeb-294	97	16	innovation	innovation	NOUN
ajbmeb-294	97	17	,	,	PUNCT
ajbmeb-294	97	18	and	and	CCONJ
ajbmeb-294	97	19	strategic	strategic	ADJ
ajbmeb-294	97	20	assets	asset	NOUN
ajbmeb-294	97	21	.	.	PUNCT
ajbmeb-294	98	1	sustainable	sustainable	ADJ
ajbmeb-294	98	2	competitive	competitive	ADJ
ajbmeb-294	98	3	advantage	advantage	NOUN
ajbmeb-294	98	4	,	,	PUNCT
ajbmeb-294	98	5	in	in	ADP
ajbmeb-294	98	6	fact	fact	NOUN
ajbmeb-294	98	7	,	,	PUNCT
ajbmeb-294	98	8	is	be	AUX
ajbmeb-294	98	9	a	a	DET
ajbmeb-294	98	10	product	product	NOUN
ajbmeb-294	98	11	linked	link	VERB
ajbmeb-294	98	12	to	to	ADP
ajbmeb-294	98	13	two	two	NUM
ajbmeb-294	98	14	aspects	aspect	NOUN
ajbmeb-294	98	15	:	:	PUNCT
ajbmeb-294	98	16	the	the	DET
ajbmeb-294	98	17	competitive	competitive	ADJ
ajbmeb-294	98	18	advantage	advantage	NOUN
ajbmeb-294	98	19	and	and	CCONJ
ajbmeb-294	98	20	the	the	DET
ajbmeb-294	98	21	strategic	strategic	ADJ
ajbmeb-294	98	22	advantage	advantage	NOUN
ajbmeb-294	98	23	,	,	PUNCT
ajbmeb-294	98	24	considering	consider	VERB
ajbmeb-294	98	25	that	that	SCONJ
ajbmeb-294	98	26	the	the	DET
ajbmeb-294	98	27	sustainable	sustainable	ADJ
ajbmeb-294	98	28	competitive	competitive	ADJ
ajbmeb-294	98	29	advantage	advantage	NOUN
ajbmeb-294	98	30	is	be	AUX
ajbmeb-294	98	31	meeting	meet	VERB
ajbmeb-294	98	32	the	the	DET
ajbmeb-294	98	33	current	current	ADJ
ajbmeb-294	98	34	needs	need	NOUN
ajbmeb-294	98	35	of	of	ADP
ajbmeb-294	98	36	customers	customer	NOUN
ajbmeb-294	98	37	,	,	PUNCT
ajbmeb-294	98	38	taking	take	VERB
ajbmeb-294	98	39	into	into	ADP
ajbmeb-294	98	40	account	account	NOUN
ajbmeb-294	98	41	the	the	DET
ajbmeb-294	98	42	future	future	ADJ
ajbmeb-294	98	43	needs	need	NOUN
ajbmeb-294	98	44	of	of	ADP
ajbmeb-294	98	45	future	future	ADJ
ajbmeb-294	98	46	generations	generation	NOUN
ajbmeb-294	98	47	(	(	PUNCT
ajbmeb-294	98	48	kuuml	kuuml	X
ajbmeb-294	98	49	,	,	PUNCT
ajbmeb-294	98	50	2011	2011	NUM
ajbmeb-294	98	51	:	:	PUNCT
ajbmeb-294	98	52	52	52	NUM
ajbmeb-294	98	53	)	)	PUNCT
ajbmeb-294	98	54	.	.	PUNCT
ajbmeb-294	99	1	from	from	ADP
ajbmeb-294	99	2	this	this	PRON
ajbmeb-294	99	3	,	,	PUNCT
ajbmeb-294	99	4	it	it	PRON
ajbmeb-294	99	5	is	be	AUX
ajbmeb-294	99	6	noted	note	VERB
ajbmeb-294	99	7	that	that	SCONJ
ajbmeb-294	99	8	the	the	DET
ajbmeb-294	99	9	sustainable	sustainable	ADJ
ajbmeb-294	99	10	competitive	competitive	ADJ
ajbmeb-294	99	11	advantage	advantage	NOUN
ajbmeb-294	99	12	is	be	AUX
ajbmeb-294	99	13	a	a	DET
ajbmeb-294	99	14	set	set	NOUN
ajbmeb-294	99	15	of	of	ADP
ajbmeb-294	99	16	characteristics	characteristic	NOUN
ajbmeb-294	99	17	that	that	PRON
ajbmeb-294	99	18	are	be	AUX
ajbmeb-294	99	19	unique	unique	ADJ
ajbmeb-294	99	20	to	to	ADP
ajbmeb-294	99	21	banks	bank	NOUN
ajbmeb-294	99	22	when	when	SCONJ
ajbmeb-294	99	23	providing	provide	VERB
ajbmeb-294	99	24	services	service	NOUN
ajbmeb-294	99	25	to	to	ADP
ajbmeb-294	99	26	customers	customer	NOUN
ajbmeb-294	99	27	,	,	PUNCT
ajbmeb-294	99	28	in	in	ADP
ajbmeb-294	99	29	the	the	DET
ajbmeb-294	99	30	sense	sense	NOUN
ajbmeb-294	99	31	that	that	SCONJ
ajbmeb-294	99	32	they	they	PRON
ajbmeb-294	99	33	have	have	AUX
ajbmeb-294	99	34	a	a	DET
ajbmeb-294	99	35	set	set	NOUN
ajbmeb-294	99	36	of	of	ADP
ajbmeb-294	99	37	capabilities	capability	NOUN
ajbmeb-294	99	38	,	,	PUNCT
ajbmeb-294	99	39	competencies	competency	NOUN
ajbmeb-294	99	40	,	,	PUNCT
ajbmeb-294	99	41	knowledge	knowledge	NOUN
ajbmeb-294	99	42	,	,	PUNCT
ajbmeb-294	99	43	etc	etc	X
ajbmeb-294	99	44	.	.	X
ajbmeb-294	99	45	,	,	PUNCT
ajbmeb-294	99	46	which	which	PRON
ajbmeb-294	99	47	banks	bank	NOUN
ajbmeb-294	99	48	enjoy	enjoy	VERB
ajbmeb-294	99	49	and	and	CCONJ
ajbmeb-294	99	50	through	through	ADP
ajbmeb-294	99	51	which	which	PRON
ajbmeb-294	99	52	they	they	PRON
ajbmeb-294	99	53	provide	provide	VERB
ajbmeb-294	99	54	greater	great	ADJ
ajbmeb-294	99	55	values	value	NOUN
ajbmeb-294	99	56	and	and	CCONJ
ajbmeb-294	99	57	greater	great	ADJ
ajbmeb-294	99	58	satisfaction	satisfaction	NOUN
ajbmeb-294	99	59	to	to	ADP
ajbmeb-294	99	60	customers	customer	NOUN
ajbmeb-294	99	61	than	than	ADP
ajbmeb-294	99	62	what	what	PRON
ajbmeb-294	99	63	competitors	competitor	NOUN
ajbmeb-294	99	64	offer	offer	VERB
ajbmeb-294	99	65	.	.	PUNCT
ajbmeb-294	100	1	it	it	PRON
ajbmeb-294	100	2	enables	enable	VERB
ajbmeb-294	100	3	banks	bank	NOUN
ajbmeb-294	100	4	to	to	PART
ajbmeb-294	100	5	achieve	achieve	VERB
ajbmeb-294	100	6	superiority	superiority	NOUN
ajbmeb-294	100	7	over	over	ADP
ajbmeb-294	100	8	competitors	competitor	NOUN
ajbmeb-294	100	9	through	through	ADP
ajbmeb-294	100	10	the	the	DET
ajbmeb-294	100	11	services	service	NOUN
ajbmeb-294	100	12	they	they	PRON
ajbmeb-294	100	13	provide	provide	VERB
ajbmeb-294	100	14	,	,	PUNCT
ajbmeb-294	100	15	thus	thus	ADV
ajbmeb-294	100	16	enabling	enable	VERB
ajbmeb-294	100	17	banks	bank	NOUN
ajbmeb-294	100	18	to	to	PART
ajbmeb-294	100	19	achieve	achieve	VERB
ajbmeb-294	100	20	a	a	DET
ajbmeb-294	100	21	sustainable	sustainable	ADJ
ajbmeb-294	100	22	competitive	competitive	ADJ
ajbmeb-294	100	23	advantage	advantage	NOUN
ajbmeb-294	100	24	.	.	PUNCT
ajbmeb-294	101	1	second	second	ADV
ajbmeb-294	101	2	:	:	PUNCT
ajbmeb-294	101	3	factors	factor	NOUN
ajbmeb-294	101	4	affecting	affect	VERB
ajbmeb-294	101	5	achievement	achievement	NOUN
ajbmeb-294	101	6	of	of	ADP
ajbmeb-294	101	7	competitive	competitive	ADJ
ajbmeb-294	101	8	advantage	advantage	NOUN
ajbmeb-294	101	9	:	:	PUNCT
ajbmeb-294	101	10	both	both	PRON
ajbmeb-294	101	11	(	(	PUNCT
ajbmeb-294	101	12	tracey	tracey	PROPN
ajbmeb-294	101	13	&	&	CCONJ
ajbmeb-294	101	14	bakos	bakos	PROPN
ajbmeb-294	101	15	)	)	PUNCT
ajbmeb-294	101	16	see	see	VERB
ajbmeb-294	101	17	that	that	SCONJ
ajbmeb-294	101	18	competitive	competitive	ADJ
ajbmeb-294	101	19	advantage	advantage	NOUN
ajbmeb-294	101	20	arises	arise	VERB
ajbmeb-294	101	21	from	from	ADP
ajbmeb-294	101	22	two	two	NUM
ajbmeb-294	101	23	factors	factor	NOUN
ajbmeb-294	101	24	,	,	PUNCT
ajbmeb-294	101	25	namely	namely	ADV
ajbmeb-294	101	26	(	(	PUNCT
ajbmeb-294	101	27	hicks	hicks	PROPN
ajbmeb-294	101	28	jar	jar	PROPN
ajbmeb-294	101	29	:	:	PUNCT
ajbmeb-294	101	30	1993,105	1993,105	NUM
ajbmeb-294	101	31	):	):	PUNCT
ajbmeb-294	101	32	1	1	NUM
ajbmeb-294	101	33	relative	relative	ADJ
ajbmeb-294	101	34	efficiency	efficiency	NOUN
ajbmeb-294	101	35	(	(	PUNCT
ajbmeb-294	101	36	comparative	comparative	ADJ
ajbmeb-294	101	37	):	):	PUNCT
ajbmeb-294	101	38	it	it	PRON
ajbmeb-294	101	39	refers	refer	VERB
ajbmeb-294	101	40	to	to	ADP
ajbmeb-294	101	41	banks	bank	NOUN
ajbmeb-294	101	42	'	'	PART
ajbmeb-294	101	43	capacity	capacity	NOUN
ajbmeb-294	101	44	to	to	PART
ajbmeb-294	101	45	produce	produce	VERB
ajbmeb-294	101	46	banking	banking	NOUN
ajbmeb-294	101	47	services	service	NOUN
ajbmeb-294	101	48	at	at	ADP
ajbmeb-294	101	49	a	a	DET
ajbmeb-294	101	50	lower	low	ADJ
ajbmeb-294	101	51	cost	cost	NOUN
ajbmeb-294	101	52	than	than	ADP
ajbmeb-294	101	53	their	their	PRON
ajbmeb-294	101	54	rivals	rival	NOUN
ajbmeb-294	101	55	,	,	PUNCT
ajbmeb-294	101	56	and	and	CCONJ
ajbmeb-294	101	57	this	this	PRON
ajbmeb-294	101	58	is	be	AUX
ajbmeb-294	101	59	influenced	influence	VERB
ajbmeb-294	101	60	by	by	ADP
ajbmeb-294	101	61	two	two	NUM
ajbmeb-294	101	62	elements	element	NOUN
ajbmeb-294	101	63	:	:	PUNCT
ajbmeb-294	101	64	ainternal	ainternal	ADJ
ajbmeb-294	101	65	efficiency	efficiency	NOUN
ajbmeb-294	101	66	:	:	PUNCT
ajbmeb-294	101	67	this	this	DET
ajbmeb-294	101	68	term	term	NOUN
ajbmeb-294	101	69	describes	describe	VERB
ajbmeb-294	101	70	how	how	SCONJ
ajbmeb-294	101	71	much	much	ADJ
ajbmeb-294	101	72	money	money	NOUN
ajbmeb-294	101	73	an	an	DET
ajbmeb-294	101	74	organization	organization	NOUN
ajbmeb-294	101	75	spends	spend	VERB
ajbmeb-294	101	76	internally	internally	ADV
ajbmeb-294	101	77	.	.	PUNCT
ajbmeb-294	102	1	b	b	NOUN
ajbmeb-294	102	2	mutual	mutual	ADJ
ajbmeb-294	102	3	organizational	organizational	ADJ
ajbmeb-294	102	4	efficiency	efficiency	NOUN
ajbmeb-294	102	5	:	:	PUNCT
ajbmeb-294	102	6	describes	describe	VERB
ajbmeb-294	102	7	the	the	DET
ajbmeb-294	102	8	expenses	expense	NOUN
ajbmeb-294	102	9	that	that	PRON
ajbmeb-294	102	10	banks	bank	NOUN
ajbmeb-294	102	11	suffer	suffer	VERB
ajbmeb-294	102	12	as	as	ADP
ajbmeb-294	102	13	a	a	DET
ajbmeb-294	102	14	result	result	NOUN
ajbmeb-294	102	15	of	of	ADP
ajbmeb-294	102	16	their	their	PRON
ajbmeb-294	102	17	interactions	interaction	NOUN
ajbmeb-294	102	18	with	with	ADP
ajbmeb-294	102	19	outside	outside	ADJ
ajbmeb-294	102	20	organizations	organization	NOUN
ajbmeb-294	102	21	and	and	CCONJ
ajbmeb-294	102	22	how	how	SCONJ
ajbmeb-294	102	23	to	to	PART
ajbmeb-294	102	24	use	use	VERB
ajbmeb-294	102	25	global	global	ADJ
ajbmeb-294	102	26	networks	network	NOUN
ajbmeb-294	102	27	to	to	PART
ajbmeb-294	102	28	reduce	reduce	VERB
ajbmeb-294	102	29	the	the	DET
ajbmeb-294	102	30	costs	cost	NOUN
ajbmeb-294	102	31	of	of	ADP
ajbmeb-294	102	32	internal	internal	ADJ
ajbmeb-294	102	33	and	and	CCONJ
ajbmeb-294	102	34	external	external	ADJ
ajbmeb-294	102	35	communications	communication	NOUN
ajbmeb-294	102	36	.	.	PUNCT
ajbmeb-294	103	1	2	2	NUM
ajbmeb-294	103	2	bargaining	bargaining	NOUN
ajbmeb-294	103	3	power	power	NOUN
ajbmeb-294	103	4	:	:	PUNCT
ajbmeb-294	103	5	it	it	PRON
ajbmeb-294	103	6	is	be	AUX
ajbmeb-294	103	7	the	the	DET
ajbmeb-294	103	8	power	power	NOUN
ajbmeb-294	103	9	that	that	PRON
ajbmeb-294	103	10	allows	allow	VERB
ajbmeb-294	103	11	banks	bank	NOUN
ajbmeb-294	103	12	to	to	PART
ajbmeb-294	103	13	achieve	achieve	VERB
ajbmeb-294	103	14	bargaining	bargaining	NOUN
ajbmeb-294	103	15	situations	situation	NOUN
ajbmeb-294	103	16	with	with	ADP
ajbmeb-294	103	17	their	their	PRON
ajbmeb-294	103	18	customers	customer	NOUN
ajbmeb-294	103	19	and	and	CCONJ
ajbmeb-294	103	20	suppliers	supplier	NOUN
ajbmeb-294	103	21	for	for	ADP
ajbmeb-294	103	22	private	private	ADJ
ajbmeb-294	103	23	interest	interest	NOUN
ajbmeb-294	103	24	.	.	PUNCT
ajbmeb-294	104	1	this	this	DET
ajbmeb-294	104	2	power	power	NOUN
ajbmeb-294	104	3	is	be	AUX
ajbmeb-294	104	4	affected	affect	VERB
ajbmeb-294	104	5	by	by	ADP
ajbmeb-294	104	6	other	other	ADJ
ajbmeb-294	104	7	basic	basic	ADJ
ajbmeb-294	104	8	factors	factor	NOUN
ajbmeb-294	104	9	:	:	PUNCT
ajbmeb-294	104	10	a	a	DET
ajbmeb-294	104	11	costs	cost	NOUN
ajbmeb-294	104	12	associated	associate	VERB
ajbmeb-294	104	13	with	with	ADP
ajbmeb-294	104	14	research	research	NOUN
ajbmeb-294	104	15	and	and	CCONJ
ajbmeb-294	104	16	development	development	NOUN
ajbmeb-294	104	17	:	:	PUNCT
ajbmeb-294	104	18	these	these	PRON
ajbmeb-294	104	19	are	be	AUX
ajbmeb-294	104	20	the	the	DET
ajbmeb-294	104	21	costs	cost	NOUN
ajbmeb-294	104	22	that	that	PRON
ajbmeb-294	104	23	refer	refer	VERB
ajbmeb-294	104	24	to	to	ADP
ajbmeb-294	104	25	the	the	DET
ajbmeb-294	104	26	cost	cost	NOUN
ajbmeb-294	104	27	of	of	ADP
ajbmeb-294	104	28	the	the	DET
ajbmeb-294	104	29	bank	bank	NOUN
ajbmeb-294	104	30	marketing	market	VERB
ajbmeb-294	104	31	its	its	PRON
ajbmeb-294	104	32	services	service	NOUN
ajbmeb-294	104	33	,	,	PUNCT
ajbmeb-294	104	34	suppliers	supplier	NOUN
ajbmeb-294	104	35	,	,	PUNCT
ajbmeb-294	104	36	and	and	CCONJ
ajbmeb-294	104	37	customers	customer	NOUN
ajbmeb-294	104	38	at	at	ADP
ajbmeb-294	104	39	the	the	DET
ajbmeb-294	104	40	best	good	ADJ
ajbmeb-294	104	41	prices	price	NOUN
ajbmeb-294	104	42	for	for	ADP
ajbmeb-294	104	43	banking	banking	NOUN
ajbmeb-294	104	44	services	service	NOUN
ajbmeb-294	104	45	.	.	PUNCT
ajbmeb-294	105	1	b	b	X
ajbmeb-294	105	2	the	the	DET
ajbmeb-294	105	3	unique	unique	ADJ
ajbmeb-294	105	4	characteristics	characteristic	NOUN
ajbmeb-294	105	5	of	of	ADP
ajbmeb-294	105	6	the	the	DET
ajbmeb-294	105	7	service	service	NOUN
ajbmeb-294	105	8	:	:	PUNCT
ajbmeb-294	105	9	which	which	PRON
ajbmeb-294	105	10	are	be	AUX
ajbmeb-294	105	11	the	the	DET
ajbmeb-294	105	12	characteristics	characteristic	NOUN
ajbmeb-294	105	13	of	of	ADP
ajbmeb-294	105	14	banking	banking	NOUN
ajbmeb-294	105	15	services	service	NOUN
ajbmeb-294	105	16	that	that	PRON
ajbmeb-294	105	17	make	make	VERB
ajbmeb-294	105	18	them	they	PRON
ajbmeb-294	105	19	different	different	ADJ
ajbmeb-294	105	20	from	from	ADP
ajbmeb-294	105	21	the	the	DET
ajbmeb-294	105	22	characteristics	characteristic	NOUN
ajbmeb-294	105	23	of	of	ADP
ajbmeb-294	105	24	competitors	competitor	NOUN
ajbmeb-294	105	25	'	'	PART
ajbmeb-294	105	26	services	service	NOUN
ajbmeb-294	105	27	.	.	PUNCT
ajbmeb-294	106	1	ctransfer	ctransfer	VERB
ajbmeb-294	106	2	costs	cost	NOUN
ajbmeb-294	106	3	:	:	PUNCT
ajbmeb-294	106	4	these	these	PRON
ajbmeb-294	106	5	are	be	AUX
ajbmeb-294	106	6	the	the	DET
ajbmeb-294	106	7	costs	cost	NOUN
ajbmeb-294	106	8	incurred	incur	VERB
ajbmeb-294	106	9	by	by	ADP
ajbmeb-294	106	10	customers	customer	NOUN
ajbmeb-294	106	11	and	and	CCONJ
ajbmeb-294	106	12	suppliers	supplier	NOUN
ajbmeb-294	106	13	if	if	SCONJ
ajbmeb-294	106	14	they	they	PRON
ajbmeb-294	106	15	refuse	refuse	VERB
ajbmeb-294	106	16	to	to	PART
ajbmeb-294	106	17	deal	deal	VERB
ajbmeb-294	106	18	with	with	ADP
ajbmeb-294	106	19	that	that	DET
ajbmeb-294	106	20	bank	bank	NOUN
ajbmeb-294	106	21	.	.	PUNCT
ajbmeb-294	107	1	third	third	ADJ
ajbmeb-294	107	2	:	:	PUNCT
ajbmeb-294	107	3	general	general	ADJ
ajbmeb-294	107	4	competitive	competitive	ADJ
ajbmeb-294	107	5	strategies	strategy	NOUN
ajbmeb-294	107	6	:	:	PUNCT
ajbmeb-294	107	7	competitive	competitive	ADJ
ajbmeb-294	107	8	advantage	advantage	NOUN
ajbmeb-294	107	9	is	be	AUX
ajbmeb-294	107	10	based	base	VERB
ajbmeb-294	107	11	on	on	ADP
ajbmeb-294	107	12	a	a	DET
ajbmeb-294	107	13	specific	specific	ADJ
ajbmeb-294	107	14	strategy	strategy	NOUN
ajbmeb-294	107	15	to	to	PART
ajbmeb-294	107	16	compete	compete	VERB
ajbmeb-294	107	17	with	with	ADP
ajbmeb-294	107	18	the	the	DET
ajbmeb-294	107	19	aim	aim	NOUN
ajbmeb-294	107	20	of	of	ADP
ajbmeb-294	107	21	achieving	achieve	VERB
ajbmeb-294	107	22	priority	priority	NOUN
ajbmeb-294	107	23	over	over	ADP
ajbmeb-294	107	24	its	its	PRON
ajbmeb-294	107	25	competitors	competitor	NOUN
ajbmeb-294	107	26	by	by	ADP
ajbmeb-294	107	27	obtaining	obtain	VERB
ajbmeb-294	107	28	a	a	DET
ajbmeb-294	107	29	competitive	competitive	ADJ
ajbmeb-294	107	30	advantage	advantage	NOUN
ajbmeb-294	107	31	or	or	CCONJ
ajbmeb-294	107	32	advantages	advantage	NOUN
ajbmeb-294	107	33	.	.	PUNCT
ajbmeb-294	108	1	the	the	DET
ajbmeb-294	108	2	strategy	strategy	NOUN
ajbmeb-294	108	3	is	be	AUX
ajbmeb-294	108	4	defined	define	VERB
ajbmeb-294	108	5	as	as	ADP
ajbmeb-294	108	6	"	"	PUNCT
ajbmeb-294	108	7	those	those	DET
ajbmeb-294	108	8	structural	structural	ADJ
ajbmeb-294	108	9	decisions	decision	NOUN
ajbmeb-294	108	10	taken	take	VERB
ajbmeb-294	108	11	by	by	ADP
ajbmeb-294	108	12	the	the	DET
ajbmeb-294	108	13	organization	organization	NOUN
ajbmeb-294	108	14	to	to	PART
ajbmeb-294	108	15	achieve	achieve	VERB
ajbmeb-294	108	16	precise	precise	ADJ
ajbmeb-294	108	17	goals	goal	NOUN
ajbmeb-294	108	18	that	that	PRON
ajbmeb-294	108	19	depend	depend	VERB
ajbmeb-294	108	20	on	on	ADP
ajbmeb-294	108	21	the	the	DET
ajbmeb-294	108	22	degree	degree	NOUN
ajbmeb-294	108	23	of	of	ADP
ajbmeb-294	108	24	achievement	achievement	NOUN
ajbmeb-294	108	25	of	of	ADP
ajbmeb-294	108	26	the	the	DET
ajbmeb-294	108	27	success	success	NOUN
ajbmeb-294	108	28	or	or	CCONJ
ajbmeb-294	108	29	failure	failure	NOUN
ajbmeb-294	108	30	of	of	ADP
ajbmeb-294	108	31	the	the	DET
ajbmeb-294	108	32	organization	organization	NOUN
ajbmeb-294	108	33	.	.	PUNCT
ajbmeb-294	108	34	"	"	PUNCT
ajbmeb-294	109	1	and	and	CCONJ
ajbmeb-294	109	2	"	"	PUNCT
ajbmeb-294	109	3	m.	m.	NOUN
ajbmeb-294	109	4	porter	porter	NOUN
ajbmeb-294	109	5	"	"	PUNCT
ajbmeb-294	109	6	classified	classify	VERB
ajbmeb-294	109	7	the	the	DET
ajbmeb-294	109	8	strategy	strategy	NOUN
ajbmeb-294	109	9	of	of	ADP
ajbmeb-294	109	10	sustainable	sustainable	ADJ
ajbmeb-294	109	11	competitive	competitive	ADJ
ajbmeb-294	109	12	advantage	advantage	NOUN
ajbmeb-294	109	13	into	into	ADP
ajbmeb-294	109	14	three	three	NUM
ajbmeb-294	109	15	categories	category	NOUN
ajbmeb-294	109	16	.	.	PUNCT
ajbmeb-294	110	1	1	1	NUM
ajbmeb-294	110	2	cost	cost	NOUN
ajbmeb-294	110	3	leadership	leadership	NOUN
ajbmeb-294	110	4	strategy	strategy	NOUN
ajbmeb-294	110	5	:	:	PUNCT
ajbmeb-294	110	6	sustainable	sustainable	ADJ
ajbmeb-294	110	7	competitive	competitive	ADJ
ajbmeb-294	110	8	advantage	advantage	NOUN
ajbmeb-294	110	9	(	(	PUNCT
ajbmeb-294	110	10	khalil	khalil	PROPN
ajbmeb-294	110	11	,	,	PUNCT
ajbmeb-294	110	12	115	115	NUM
ajbmeb-294	110	13	:	:	SYM
ajbmeb-294	110	14	2005	2005	NUM
ajbmeb-294	110	15	)	)	PUNCT
ajbmeb-294	110	16	aims	aim	VERB
ajbmeb-294	110	17	to	to	PART
ajbmeb-294	110	18	achieve	achieve	VERB
ajbmeb-294	110	19	a	a	DET
ajbmeb-294	110	20	lower	low	ADJ
ajbmeb-294	110	21	cost	cost	NOUN
ajbmeb-294	110	22	compared	compare	VERB
ajbmeb-294	110	23	to	to	ADP
ajbmeb-294	110	24	competitors	competitor	NOUN
ajbmeb-294	110	25	while	while	SCONJ
ajbmeb-294	110	26	maintaining	maintain	VERB
ajbmeb-294	110	27	the	the	DET
ajbmeb-294	110	28	type	type	NOUN
ajbmeb-294	110	29	of	of	ADP
ajbmeb-294	110	30	product	product	NOUN
ajbmeb-294	110	31	.	.	PUNCT
ajbmeb-294	111	1	this	this	PRON
ajbmeb-294	111	2	is	be	AUX
ajbmeb-294	111	3	achieved	achieve	VERB
ajbmeb-294	111	4	american	american	ADJ
ajbmeb-294	111	5	journal	journal	PROPN
ajbmeb-294	111	6	of	of	ADP
ajbmeb-294	111	7	business	business	NOUN
ajbmeb-294	111	8	management	management	NOUN
ajbmeb-294	111	9	,	,	PUNCT
ajbmeb-294	111	10	economics	economic	NOUN
ajbmeb-294	111	11	and	and	CCONJ
ajbmeb-294	111	12	banking	banking	NOUN
ajbmeb-294	111	13	volume	volume	NOUN
ajbmeb-294	111	14	8	8	NUM
ajbmeb-294	111	15	,	,	PUNCT
ajbmeb-294	111	16	jan	jan	PROPN
ajbmeb-294	111	17	.	.	PROPN
ajbmeb-294	111	18	,	,	PUNCT
ajbmeb-294	111	19	2023	2023	NUM
ajbmeb-294	111	20	p	p	NOUN
ajbmeb-294	111	21	a	a	DET
ajbmeb-294	111	22	g	g	NOUN
ajbmeb-294	111	23	e	e	NOUN
ajbmeb-294	111	24	|	|	NOUN
ajbmeb-294	111	25	26	26	NUM
ajbmeb-294	111	26	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	111	27	through	through	ADP
ajbmeb-294	111	28	optimal	optimal	ADJ
ajbmeb-294	111	29	investment	investment	NOUN
ajbmeb-294	111	30	of	of	ADP
ajbmeb-294	111	31	resources	resource	NOUN
ajbmeb-294	111	32	,	,	PUNCT
ajbmeb-294	111	33	production	production	NOUN
ajbmeb-294	111	34	with	with	ADP
ajbmeb-294	111	35	ideal	ideal	ADJ
ajbmeb-294	111	36	standards	standard	NOUN
ajbmeb-294	111	37	,	,	PUNCT
ajbmeb-294	111	38	use	use	NOUN
ajbmeb-294	111	39	of	of	ADP
ajbmeb-294	111	40	alternatives	alternative	NOUN
ajbmeb-294	111	41	to	to	ADP
ajbmeb-294	111	42	raw	raw	ADJ
ajbmeb-294	111	43	materials	material	NOUN
ajbmeb-294	111	44	,	,	PUNCT
ajbmeb-294	111	45	and	and	CCONJ
ajbmeb-294	111	46	benefiting	benefit	VERB
ajbmeb-294	111	47	from	from	ADP
ajbmeb-294	111	48	economies	economy	NOUN
ajbmeb-294	111	49	of	of	ADP
ajbmeb-294	111	50	scale	scale	NOUN
ajbmeb-294	111	51	.	.	PUNCT
ajbmeb-294	112	1	(	(	PUNCT
ajbmeb-294	112	2	mohsen	mohsen	PROPN
ajbmeb-294	112	3	,	,	PUNCT
ajbmeb-294	112	4	and	and	CCONJ
ajbmeb-294	112	5	al	al	PROPN
ajbmeb-294	112	6	-	-	PUNCT
ajbmeb-294	112	7	najjar	najjar	PROPN
ajbmeb-294	112	8	,	,	PUNCT
ajbmeb-294	112	9	2004	2004	NUM
ajbmeb-294	112	10	:	:	PUNCT
ajbmeb-294	112	11	53	53	NUM
ajbmeb-294	112	12	)	)	PUNCT
ajbmeb-294	112	13	indicates	indicate	VERB
ajbmeb-294	112	14	that	that	SCONJ
ajbmeb-294	112	15	cost	cost	NOUN
ajbmeb-294	112	16	leadership	leadership	NOUN
ajbmeb-294	112	17	,	,	PUNCT
ajbmeb-294	112	18	which	which	PRON
ajbmeb-294	112	19	is	be	AUX
ajbmeb-294	112	20	also	also	ADV
ajbmeb-294	112	21	called	call	VERB
ajbmeb-294	112	22	(	(	PUNCT
ajbmeb-294	112	23	low	low	ADJ
ajbmeb-294	112	24	cost	cost	NOUN
ajbmeb-294	112	25	strategy	strategy	NOUN
ajbmeb-294	112	26	)	)	PUNCT
ajbmeb-294	112	27	,	,	PUNCT
ajbmeb-294	112	28	achieves	achieve	VERB
ajbmeb-294	112	29	the	the	DET
ajbmeb-294	112	30	competitive	competitive	ADJ
ajbmeb-294	112	31	advantage	advantage	NOUN
ajbmeb-294	112	32	of	of	ADP
ajbmeb-294	112	33	the	the	DET
ajbmeb-294	112	34	bank	bank	NOUN
ajbmeb-294	112	35	when	when	SCONJ
ajbmeb-294	112	36	this	this	DET
ajbmeb-294	112	37	organization	organization	NOUN
ajbmeb-294	112	38	makes	make	VERB
ajbmeb-294	112	39	itself	itself	PRON
ajbmeb-294	112	40	the	the	DET
ajbmeb-294	112	41	low	low	ADJ
ajbmeb-294	112	42	cost	cost	NOUN
ajbmeb-294	112	43	commander	commander	NOUN
ajbmeb-294	112	44	in	in	ADP
ajbmeb-294	112	45	the	the	DET
ajbmeb-294	112	46	business	business	NOUN
ajbmeb-294	112	47	that	that	PRON
ajbmeb-294	112	48	the	the	DET
ajbmeb-294	112	49	organization	organization	NOUN
ajbmeb-294	112	50	adopts	adopt	VERB
ajbmeb-294	112	51	,	,	PUNCT
ajbmeb-294	112	52	which	which	PRON
ajbmeb-294	112	53	generally	generally	ADV
ajbmeb-294	112	54	produces	produce	VERB
ajbmeb-294	112	55	high	high	ADJ
ajbmeb-294	112	56	quantities	quantity	NOUN
ajbmeb-294	112	57	of	of	ADP
ajbmeb-294	112	58	standard	standard	ADJ
ajbmeb-294	112	59	services	service	NOUN
ajbmeb-294	112	60	(	(	PUNCT
ajbmeb-294	112	61	in	in	ADP
ajbmeb-294	112	62	the	the	DET
ajbmeb-294	112	63	mature	mature	ADJ
ajbmeb-294	112	64	stage	stage	NOUN
ajbmeb-294	112	65	of	of	ADP
ajbmeb-294	112	66	the	the	DET
ajbmeb-294	112	67	product	product	NOUN
ajbmeb-294	112	68	life	life	NOUN
ajbmeb-294	112	69	cycle	cycle	NOUN
ajbmeb-294	112	70	)	)	PUNCT
ajbmeb-294	112	71	,	,	PUNCT
ajbmeb-294	112	72	it	it	PRON
ajbmeb-294	112	73	is	be	AUX
ajbmeb-294	112	74	also	also	ADV
ajbmeb-294	112	75	allowed	allow	VERB
ajbmeb-294	112	76	to	to	PART
ajbmeb-294	112	77	provide	provide	VERB
ajbmeb-294	112	78	its	its	PRON
ajbmeb-294	112	79	services	service	NOUN
ajbmeb-294	112	80	at	at	ADP
ajbmeb-294	112	81	cheaper	cheap	ADJ
ajbmeb-294	112	82	prices	price	NOUN
ajbmeb-294	112	83	than	than	ADP
ajbmeb-294	112	84	competing	compete	VERB
ajbmeb-294	112	85	banks	bank	NOUN
ajbmeb-294	112	86	that	that	PRON
ajbmeb-294	112	87	produce	produce	VERB
ajbmeb-294	112	88	the	the	DET
ajbmeb-294	112	89	same	same	ADJ
ajbmeb-294	112	90	services	service	NOUN
ajbmeb-294	112	91	,	,	PUNCT
ajbmeb-294	112	92	but	but	CCONJ
ajbmeb-294	112	93	perhaps	perhaps	ADV
ajbmeb-294	112	94	newer	new	ADJ
ajbmeb-294	112	95	and	and	CCONJ
ajbmeb-294	112	96	in	in	ADP
ajbmeb-294	112	97	smaller	small	ADJ
ajbmeb-294	112	98	quantities	quantity	NOUN
ajbmeb-294	112	99	.	.	PUNCT
ajbmeb-294	113	1	we	we	PRON
ajbmeb-294	113	2	can	can	AUX
ajbmeb-294	113	3	understand	understand	VERB
ajbmeb-294	113	4	from	from	ADP
ajbmeb-294	113	5	the	the	DET
ajbmeb-294	113	6	foregoing	foregoing	NOUN
ajbmeb-294	113	7	that	that	SCONJ
ajbmeb-294	113	8	this	this	DET
ajbmeb-294	113	9	strategy	strategy	NOUN
ajbmeb-294	113	10	achieves	achieve	VERB
ajbmeb-294	113	11	competitive	competitive	ADJ
ajbmeb-294	113	12	advantage	advantage	NOUN
ajbmeb-294	113	13	by	by	ADP
ajbmeb-294	113	14	producing	produce	VERB
ajbmeb-294	113	15	standard	standard	ADJ
ajbmeb-294	113	16	services	service	NOUN
ajbmeb-294	113	17	in	in	ADP
ajbmeb-294	113	18	large	large	ADJ
ajbmeb-294	113	19	quantities	quantity	NOUN
ajbmeb-294	113	20	that	that	PRON
ajbmeb-294	113	21	are	be	AUX
ajbmeb-294	113	22	offered	offer	VERB
ajbmeb-294	113	23	at	at	ADP
ajbmeb-294	113	24	low	low	ADJ
ajbmeb-294	113	25	prices	price	NOUN
ajbmeb-294	113	26	compared	compare	VERB
ajbmeb-294	113	27	to	to	ADP
ajbmeb-294	113	28	competitors	competitor	NOUN
ajbmeb-294	113	29	'	'	PART
ajbmeb-294	113	30	prices	price	NOUN
ajbmeb-294	113	31	by	by	ADP
ajbmeb-294	113	32	controlling	control	VERB
ajbmeb-294	113	33	fixed	fix	VERB
ajbmeb-294	113	34	costs	cost	NOUN
ajbmeb-294	113	35	and	and	CCONJ
ajbmeb-294	113	36	selling	sell	VERB
ajbmeb-294	113	37	costs	cost	NOUN
ajbmeb-294	113	38	(	(	PUNCT
ajbmeb-294	113	39	i.e.	i.e.	X
ajbmeb-294	113	40	reducing	reduce	VERB
ajbmeb-294	113	41	the	the	DET
ajbmeb-294	113	42	unit	unit	NOUN
ajbmeb-294	113	43	cost	cost	NOUN
ajbmeb-294	113	44	of	of	ADP
ajbmeb-294	113	45	service	service	NOUN
ajbmeb-294	113	46	)	)	PUNCT
ajbmeb-294	113	47	while	while	SCONJ
ajbmeb-294	113	48	not	not	PART
ajbmeb-294	113	49	neglecting	neglect	VERB
ajbmeb-294	113	50	the	the	DET
ajbmeb-294	113	51	quality	quality	NOUN
ajbmeb-294	113	52	factors	factor	NOUN
ajbmeb-294	113	53	and	and	CCONJ
ajbmeb-294	113	54	services	service	NOUN
ajbmeb-294	113	55	provided	provide	VERB
ajbmeb-294	113	56	.	.	PUNCT
ajbmeb-294	114	1	2	2	NUM
ajbmeb-294	114	2	discrimination	discrimination	NOUN
ajbmeb-294	114	3	strategy	strategy	NOUN
ajbmeb-294	114	4	:	:	PUNCT
ajbmeb-294	114	5	in	in	ADP
ajbmeb-294	114	6	this	this	DET
ajbmeb-294	114	7	strategy	strategy	NOUN
ajbmeb-294	114	8	(	(	PUNCT
ajbmeb-294	114	9	al	al	PROPN
ajbmeb-294	114	10	-	-	PUNCT
ajbmeb-294	114	11	obaidi	obaidi	PROPN
ajbmeb-294	114	12	,	,	PUNCT
ajbmeb-294	114	13	2005	2005	NUM
ajbmeb-294	114	14	:	:	PUNCT
ajbmeb-294	114	15	95	95	NUM
ajbmeb-294	114	16	)	)	PUNCT
ajbmeb-294	114	17	,	,	PUNCT
ajbmeb-294	114	18	the	the	DET
ajbmeb-294	114	19	organization	organization	NOUN
ajbmeb-294	114	20	tries	try	VERB
ajbmeb-294	114	21	to	to	PART
ajbmeb-294	114	22	distinguish	distinguish	VERB
ajbmeb-294	114	23	its	its	PRON
ajbmeb-294	114	24	services	service	NOUN
ajbmeb-294	114	25	from	from	ADP
ajbmeb-294	114	26	competitors	competitor	NOUN
ajbmeb-294	114	27	in	in	ADP
ajbmeb-294	114	28	the	the	DET
ajbmeb-294	114	29	banking	banking	NOUN
ajbmeb-294	114	30	industry	industry	NOUN
ajbmeb-294	114	31	.	.	PUNCT
ajbmeb-294	115	1	the	the	DET
ajbmeb-294	115	2	organization	organization	NOUN
ajbmeb-294	115	3	may	may	AUX
ajbmeb-294	115	4	use	use	VERB
ajbmeb-294	115	5	advertising	advertising	NOUN
ajbmeb-294	115	6	or	or	CCONJ
ajbmeb-294	115	7	the	the	DET
ajbmeb-294	115	8	features	feature	NOUN
ajbmeb-294	115	9	and	and	CCONJ
ajbmeb-294	115	10	characteristics	characteristic	NOUN
ajbmeb-294	115	11	of	of	ADP
ajbmeb-294	115	12	the	the	DET
ajbmeb-294	115	13	exceptional	exceptional	ADJ
ajbmeb-294	115	14	service	service	NOUN
ajbmeb-294	115	15	or	or	CCONJ
ajbmeb-294	115	16	the	the	DET
ajbmeb-294	115	17	new	new	ADJ
ajbmeb-294	115	18	technology	technology	NOUN
ajbmeb-294	115	19	to	to	PART
ajbmeb-294	115	20	achieve	achieve	VERB
ajbmeb-294	115	21	the	the	DET
ajbmeb-294	115	22	intended	intend	VERB
ajbmeb-294	115	23	service	service	NOUN
ajbmeb-294	115	24	as	as	SCONJ
ajbmeb-294	115	25	distinguished	distinguish	VERB
ajbmeb-294	115	26	,	,	PUNCT
ajbmeb-294	115	27	and	and	CCONJ
ajbmeb-294	115	28	this	this	DET
ajbmeb-294	115	29	strategy	strategy	NOUN
ajbmeb-294	115	30	focuses	focus	VERB
ajbmeb-294	115	31	on	on	ADP
ajbmeb-294	115	32	customers	customer	NOUN
ajbmeb-294	115	33	who	who	PRON
ajbmeb-294	115	34	are	be	AUX
ajbmeb-294	115	35	not	not	PART
ajbmeb-294	115	36	interested	interested	ADJ
ajbmeb-294	115	37	in	in	ADP
ajbmeb-294	115	38	the	the	DET
ajbmeb-294	115	39	price	price	NOUN
ajbmeb-294	115	40	in	in	ADP
ajbmeb-294	115	41	particular	particular	ADJ
ajbmeb-294	115	42	,	,	PUNCT
ajbmeb-294	115	43	so	so	SCONJ
ajbmeb-294	115	44	it	it	PRON
ajbmeb-294	115	45	can	can	AUX
ajbmeb-294	115	46	be	be	AUX
ajbmeb-294	115	47	very	very	ADV
ajbmeb-294	115	48	profitable	profitable	ADJ
ajbmeb-294	115	49	and	and	CCONJ
ajbmeb-294	115	50	the	the	DET
ajbmeb-294	115	51	distinction	distinction	NOUN
ajbmeb-294	115	52	can	can	AUX
ajbmeb-294	115	53	depend	depend	VERB
ajbmeb-294	115	54	on	on	ADP
ajbmeb-294	115	55	the	the	DET
ajbmeb-294	115	56	service	service	NOUN
ajbmeb-294	115	57	itself	itself	PRON
ajbmeb-294	115	58	through	through	ADP
ajbmeb-294	115	59	marketing	marketing	NOUN
ajbmeb-294	115	60	and	and	CCONJ
ajbmeb-294	115	61	other	other	ADJ
ajbmeb-294	115	62	factors	factor	NOUN
ajbmeb-294	115	63	.	.	PUNCT
ajbmeb-294	116	1	it	it	PRON
ajbmeb-294	116	2	also	also	ADV
ajbmeb-294	116	3	shows	show	VERB
ajbmeb-294	116	4	that	that	SCONJ
ajbmeb-294	116	5	this	this	DET
ajbmeb-294	116	6	strategy	strategy	NOUN
ajbmeb-294	116	7	achieves	achieve	VERB
ajbmeb-294	116	8	a	a	DET
ajbmeb-294	116	9	sustainable	sustainable	ADJ
ajbmeb-294	116	10	competitive	competitive	ADJ
ajbmeb-294	116	11	advantage	advantage	NOUN
ajbmeb-294	116	12	by	by	ADP
ajbmeb-294	116	13	establishing	establish	VERB
ajbmeb-294	116	14	concepts	concept	NOUN
ajbmeb-294	116	15	related	relate	VERB
ajbmeb-294	116	16	to	to	ADP
ajbmeb-294	116	17	the	the	DET
ajbmeb-294	116	18	consumer	consumer	NOUN
ajbmeb-294	116	19	that	that	PRON
ajbmeb-294	116	20	allows	allow	VERB
ajbmeb-294	116	21	him	he	PRON
ajbmeb-294	116	22	to	to	PART
ajbmeb-294	116	23	obtain	obtain	VERB
ajbmeb-294	116	24	a	a	DET
ajbmeb-294	116	25	unique	unique	ADJ
ajbmeb-294	116	26	service	service	NOUN
ajbmeb-294	116	27	,	,	PUNCT
ajbmeb-294	116	28	and	and	CCONJ
ajbmeb-294	116	29	that	that	SCONJ
ajbmeb-294	116	30	distinguished	distinguished	ADJ
ajbmeb-294	116	31	banks	bank	NOUN
ajbmeb-294	116	32	are	be	AUX
ajbmeb-294	116	33	able	able	ADJ
ajbmeb-294	116	34	to	to	PART
ajbmeb-294	116	35	satisfy	satisfy	VERB
ajbmeb-294	116	36	the	the	DET
ajbmeb-294	116	37	needs	need	NOUN
ajbmeb-294	116	38	of	of	ADP
ajbmeb-294	116	39	the	the	DET
ajbmeb-294	116	40	consumer	consumer	NOUN
ajbmeb-294	116	41	and	and	CCONJ
ajbmeb-294	116	42	attract	attract	VERB
ajbmeb-294	116	43	him	he	PRON
ajbmeb-294	116	44	in	in	ADP
ajbmeb-294	116	45	order	order	NOUN
ajbmeb-294	116	46	to	to	PART
ajbmeb-294	116	47	increase	increase	VERB
ajbmeb-294	116	48	the	the	DET
ajbmeb-294	116	49	volume	volume	NOUN
ajbmeb-294	116	50	of	of	ADP
ajbmeb-294	116	51	service	service	NOUN
ajbmeb-294	116	52	provision	provision	NOUN
ajbmeb-294	116	53	and	and	CCONJ
ajbmeb-294	116	54	then	then	ADV
ajbmeb-294	116	55	protect	protect	VERB
ajbmeb-294	116	56	the	the	DET
ajbmeb-294	116	57	bank	bank	NOUN
ajbmeb-294	116	58	from	from	ADP
ajbmeb-294	116	59	its	its	PRON
ajbmeb-294	116	60	competitors	competitor	NOUN
ajbmeb-294	116	61	,	,	PUNCT
ajbmeb-294	116	62	and	and	CCONJ
ajbmeb-294	116	63	here	here	ADV
ajbmeb-294	116	64	discrimination	discrimination	NOUN
ajbmeb-294	116	65	makes	make	VERB
ajbmeb-294	116	66	the	the	DET
ajbmeb-294	116	67	organization	organization	NOUN
ajbmeb-294	116	68	impose	impose	VERB
ajbmeb-294	116	69	prices	price	NOUN
ajbmeb-294	116	70	that	that	PRON
ajbmeb-294	116	71	you	you	PRON
ajbmeb-294	116	72	see	see	VERB
ajbmeb-294	116	73	fit	fit	ADJ
ajbmeb-294	116	74	and	and	CCONJ
ajbmeb-294	116	75	develop	develop	VERB
ajbmeb-294	116	76	consumer	consumer	NOUN
ajbmeb-294	116	77	loyalty	loyalty	NOUN
ajbmeb-294	116	78	.	.	PUNCT
ajbmeb-294	117	1	it	it	PRON
ajbmeb-294	117	2	is	be	AUX
ajbmeb-294	117	3	more	more	ADV
ajbmeb-294	117	4	clear	clear	ADJ
ajbmeb-294	117	5	that	that	SCONJ
ajbmeb-294	117	6	there	there	PRON
ajbmeb-294	117	7	are	be	VERB
ajbmeb-294	117	8	two	two	NUM
ajbmeb-294	117	9	ways	way	NOUN
ajbmeb-294	117	10	to	to	PART
ajbmeb-294	117	11	achieve	achieve	VERB
ajbmeb-294	117	12	differentiation	differentiation	NOUN
ajbmeb-294	117	13	,	,	PUNCT
ajbmeb-294	117	14	namely	namely	ADV
ajbmeb-294	117	15	:	:	PUNCT
ajbmeb-294	117	16	the	the	DET
ajbmeb-294	117	17	bank	bank	NOUN
ajbmeb-294	117	18	's	's	PART
ajbmeb-294	117	19	attempt	attempt	NOUN
ajbmeb-294	117	20	to	to	PART
ajbmeb-294	117	21	reduce	reduce	VERB
ajbmeb-294	117	22	the	the	DET
ajbmeb-294	117	23	degree	degree	NOUN
ajbmeb-294	117	24	of	of	ADP
ajbmeb-294	117	25	risk	risk	NOUN
ajbmeb-294	117	26	and	and	CCONJ
ajbmeb-294	117	27	the	the	DET
ajbmeb-294	117	28	cost	cost	NOUN
ajbmeb-294	117	29	incurred	incur	VERB
ajbmeb-294	117	30	by	by	ADP
ajbmeb-294	117	31	the	the	DET
ajbmeb-294	117	32	consumer	consumer	NOUN
ajbmeb-294	117	33	when	when	SCONJ
ajbmeb-294	117	34	obtaining	obtain	VERB
ajbmeb-294	117	35	the	the	DET
ajbmeb-294	117	36	service	service	NOUN
ajbmeb-294	117	37	.	.	PUNCT
ajbmeb-294	118	1	and	and	CCONJ
ajbmeb-294	118	2	the	the	DET
ajbmeb-294	118	3	bank	bank	NOUN
ajbmeb-294	118	4	's	's	PART
ajbmeb-294	118	5	attempt	attempt	NOUN
ajbmeb-294	118	6	to	to	PART
ajbmeb-294	118	7	find	find	VERB
ajbmeb-294	118	8	unique	unique	ADJ
ajbmeb-294	118	9	advantages	advantage	NOUN
ajbmeb-294	118	10	in	in	ADP
ajbmeb-294	118	11	the	the	DET
ajbmeb-294	118	12	performance	performance	NOUN
ajbmeb-294	118	13	of	of	ADP
ajbmeb-294	118	14	the	the	DET
ajbmeb-294	118	15	service	service	NOUN
ajbmeb-294	118	16	over	over	ADP
ajbmeb-294	118	17	those	those	PRON
ajbmeb-294	118	18	that	that	PRON
ajbmeb-294	118	19	exist	exist	VERB
ajbmeb-294	118	20	in	in	ADP
ajbmeb-294	118	21	the	the	DET
ajbmeb-294	118	22	services	service	NOUN
ajbmeb-294	118	23	of	of	ADP
ajbmeb-294	118	24	competitors	competitor	NOUN
ajbmeb-294	118	25	in	in	ADP
ajbmeb-294	118	26	a	a	DET
ajbmeb-294	118	27	clear	clear	ADJ
ajbmeb-294	118	28	and	and	CCONJ
ajbmeb-294	118	29	specific	specific	ADJ
ajbmeb-294	118	30	manner	manner	NOUN
ajbmeb-294	118	31	.	.	PUNCT
ajbmeb-294	119	1	discrimination	discrimination	NOUN
ajbmeb-294	119	2	formulas	formula	NOUN
ajbmeb-294	119	3	can	can	AUX
ajbmeb-294	119	4	take	take	VERB
ajbmeb-294	119	5	many	many	ADJ
ajbmeb-294	119	6	forms	form	NOUN
ajbmeb-294	119	7	,	,	PUNCT
ajbmeb-294	119	8	including	include	VERB
ajbmeb-294	119	9	evaluation	evaluation	NOUN
ajbmeb-294	119	10	,	,	PUNCT
ajbmeb-294	119	11	quality	quality	NOUN
ajbmeb-294	119	12	,	,	PUNCT
ajbmeb-294	119	13	technology	technology	NOUN
ajbmeb-294	119	14	,	,	PUNCT
ajbmeb-294	119	15	customer	customer	NOUN
ajbmeb-294	119	16	services	service	NOUN
ajbmeb-294	119	17	,	,	PUNCT
ajbmeb-294	119	18	a	a	DET
ajbmeb-294	119	19	network	network	NOUN
ajbmeb-294	119	20	of	of	ADP
ajbmeb-294	119	21	distributors	distributor	NOUN
ajbmeb-294	119	22	,	,	PUNCT
ajbmeb-294	119	23	and	and	CCONJ
ajbmeb-294	119	24	the	the	DET
ajbmeb-294	119	25	image	image	NOUN
ajbmeb-294	119	26	of	of	ADP
ajbmeb-294	119	27	the	the	DET
ajbmeb-294	119	28	type	type	NOUN
ajbmeb-294	119	29	of	of	ADP
ajbmeb-294	119	30	service	service	NOUN
ajbmeb-294	119	31	in	in	ADP
ajbmeb-294	119	32	the	the	DET
ajbmeb-294	119	33	minds	mind	NOUN
ajbmeb-294	119	34	of	of	ADP
ajbmeb-294	119	35	the	the	DET
ajbmeb-294	119	36	consumer	consumer	NOUN
ajbmeb-294	119	37	.	.	PUNCT
ajbmeb-294	120	1	3focus	3focus	NUM
ajbmeb-294	120	2	strategy	strategy	NOUN
ajbmeb-294	120	3	(	(	PUNCT
ajbmeb-294	120	4	market	market	NOUN
ajbmeb-294	120	5	segmentation	segmentation	NOUN
ajbmeb-294	120	6	):	):	PUNCT
ajbmeb-294	120	7	it	it	PRON
ajbmeb-294	120	8	is	be	AUX
ajbmeb-294	120	9	an	an	DET
ajbmeb-294	120	10	integrated	integrate	VERB
ajbmeb-294	120	11	set	set	NOUN
ajbmeb-294	120	12	of	of	ADP
ajbmeb-294	120	13	actions	action	NOUN
ajbmeb-294	120	14	designed	design	VERB
ajbmeb-294	120	15	to	to	PART
ajbmeb-294	120	16	provide	provide	VERB
ajbmeb-294	120	17	services	service	NOUN
ajbmeb-294	120	18	that	that	PRON
ajbmeb-294	120	19	meet	meet	VERB
ajbmeb-294	120	20	the	the	DET
ajbmeb-294	120	21	needs	need	NOUN
ajbmeb-294	120	22	of	of	ADP
ajbmeb-294	120	23	a	a	DET
ajbmeb-294	120	24	specific	specific	ADJ
ajbmeb-294	120	25	competitive	competitive	ADJ
ajbmeb-294	120	26	part	part	NOUN
ajbmeb-294	120	27	,	,	PUNCT
ajbmeb-294	120	28	and	and	CCONJ
ajbmeb-294	120	29	that	that	SCONJ
ajbmeb-294	120	30	the	the	DET
ajbmeb-294	120	31	basis	basis	NOUN
ajbmeb-294	120	32	of	of	ADP
ajbmeb-294	120	33	the	the	DET
ajbmeb-294	120	34	focus	focus	NOUN
ajbmeb-294	120	35	strategy	strategy	NOUN
ajbmeb-294	120	36	is	be	AUX
ajbmeb-294	120	37	that	that	SCONJ
ajbmeb-294	120	38	the	the	DET
ajbmeb-294	120	39	bank	bank	NOUN
ajbmeb-294	120	40	can	can	AUX
ajbmeb-294	120	41	serve	serve	VERB
ajbmeb-294	120	42	a	a	DET
ajbmeb-294	120	43	specific	specific	ADJ
ajbmeb-294	120	44	part	part	NOUN
ajbmeb-294	120	45	of	of	ADP
ajbmeb-294	120	46	the	the	DET
ajbmeb-294	120	47	market	market	NOUN
ajbmeb-294	120	48	in	in	ADP
ajbmeb-294	120	49	a	a	DET
ajbmeb-294	120	50	successful	successful	ADJ
ajbmeb-294	120	51	or	or	CCONJ
ajbmeb-294	120	52	efficient	efficient	ADJ
ajbmeb-294	120	53	manner	manner	NOUN
ajbmeb-294	120	54	,	,	PUNCT
ajbmeb-294	120	55	more	more	ADV
ajbmeb-294	120	56	capable	capable	ADJ
ajbmeb-294	120	57	than	than	ADP
ajbmeb-294	120	58	other	other	ADJ
ajbmeb-294	120	59	competitors	competitor	NOUN
ajbmeb-294	120	60	(	(	PUNCT
ajbmeb-294	120	61	hitt	hitt	X
ajbmeb-294	120	62	&	&	CCONJ
ajbmeb-294	120	63	others	other	NOUN
ajbmeb-294	120	64	:	:	PUNCT
ajbmeb-294	120	65	2001,168	2001,168	NUM
ajbmeb-294	120	66	)	)	PUNCT
ajbmeb-294	120	67	.	.	PUNCT
ajbmeb-294	121	1	the	the	DET
ajbmeb-294	121	2	application	application	NOUN
ajbmeb-294	121	3	of	of	ADP
ajbmeb-294	121	4	these	these	DET
ajbmeb-294	121	5	strategies	strategy	NOUN
ajbmeb-294	121	6	is	be	AUX
ajbmeb-294	121	7	mediated	mediate	VERB
ajbmeb-294	121	8	by	by	ADP
ajbmeb-294	121	9	two	two	NUM
ajbmeb-294	121	10	alternatives	alternative	NOUN
ajbmeb-294	121	11	,	,	PUNCT
ajbmeb-294	121	12	the	the	DET
ajbmeb-294	121	13	first	first	ADJ
ajbmeb-294	121	14	includes	include	VERB
ajbmeb-294	121	15	paying	pay	VERB
ajbmeb-294	121	16	attention	attention	NOUN
ajbmeb-294	121	17	to	to	ADP
ajbmeb-294	121	18	the	the	DET
ajbmeb-294	121	19	cost	cost	NOUN
ajbmeb-294	121	20	center	center	NOUN
ajbmeb-294	121	21	,	,	PUNCT
ajbmeb-294	121	22	that	that	ADV
ajbmeb-294	121	23	is	is	ADV
ajbmeb-294	121	24	,	,	PUNCT
ajbmeb-294	121	25	working	work	VERB
ajbmeb-294	121	26	to	to	PART
ajbmeb-294	121	27	achieve	achieve	VERB
ajbmeb-294	121	28	(	(	PUNCT
ajbmeb-294	121	29	cost	cost	NOUN
ajbmeb-294	121	30	advantage	advantage	NOUN
ajbmeb-294	121	31	)	)	PUNCT
ajbmeb-294	121	32	,	,	PUNCT
ajbmeb-294	121	33	and	and	CCONJ
ajbmeb-294	121	34	the	the	DET
ajbmeb-294	121	35	second	second	ADJ
ajbmeb-294	121	36	is	be	AUX
ajbmeb-294	121	37	paying	pay	VERB
ajbmeb-294	121	38	attention	attention	NOUN
ajbmeb-294	121	39	to	to	ADP
ajbmeb-294	121	40	the	the	DET
ajbmeb-294	121	41	center	center	NOUN
ajbmeb-294	121	42	of	of	ADP
ajbmeb-294	121	43	discrimination	discrimination	NOUN
ajbmeb-294	121	44	,	,	PUNCT
ajbmeb-294	121	45	that	that	ADV
ajbmeb-294	121	46	is	is	ADV
ajbmeb-294	121	47	,	,	PUNCT
ajbmeb-294	121	48	searching	search	VERB
ajbmeb-294	121	49	for	for	ADP
ajbmeb-294	121	50	discrimination	discrimination	NOUN
ajbmeb-294	121	51	within	within	ADP
ajbmeb-294	121	52	the	the	DET
ajbmeb-294	121	53	targeted	target	VERB
ajbmeb-294	121	54	banking	banking	NOUN
ajbmeb-294	121	55	sector	sector	NOUN
ajbmeb-294	121	56	.	.	PUNCT
ajbmeb-294	122	1	it	it	PRON
ajbmeb-294	122	2	is	be	AUX
ajbmeb-294	122	3	clear	clear	ADJ
ajbmeb-294	122	4	to	to	ADP
ajbmeb-294	122	5	us	we	PRON
ajbmeb-294	122	6	from	from	ADP
ajbmeb-294	122	7	this	this	PRON
ajbmeb-294	122	8	that	that	SCONJ
ajbmeb-294	122	9	the	the	DET
ajbmeb-294	122	10	focus	focus	NOUN
ajbmeb-294	122	11	strategy	strategy	NOUN
ajbmeb-294	122	12	specializes	specialize	VERB
ajbmeb-294	122	13	in	in	ADP
ajbmeb-294	122	14	a	a	DET
ajbmeb-294	122	15	specific	specific	ADJ
ajbmeb-294	122	16	service	service	NOUN
ajbmeb-294	122	17	or	or	CCONJ
ajbmeb-294	122	18	a	a	DET
ajbmeb-294	122	19	specific	specific	ADJ
ajbmeb-294	122	20	market	market	NOUN
ajbmeb-294	122	21	,	,	PUNCT
ajbmeb-294	122	22	so	so	CCONJ
ajbmeb-294	122	23	sustainable	sustainable	ADJ
ajbmeb-294	122	24	competitive	competitive	ADJ
ajbmeb-294	122	25	advantage	advantage	NOUN
ajbmeb-294	122	26	is	be	AUX
ajbmeb-294	122	27	achieved	achieve	VERB
ajbmeb-294	122	28	by	by	ADP
ajbmeb-294	122	29	focusing	focus	VERB
ajbmeb-294	122	30	either	either	CCONJ
ajbmeb-294	122	31	on	on	ADP
ajbmeb-294	122	32	reducing	reduce	VERB
ajbmeb-294	122	33	the	the	DET
ajbmeb-294	122	34	cost	cost	NOUN
ajbmeb-294	122	35	of	of	ADP
ajbmeb-294	122	36	the	the	DET
ajbmeb-294	122	37	product	product	NOUN
ajbmeb-294	122	38	(	(	PUNCT
ajbmeb-294	122	39	services	service	NOUN
ajbmeb-294	122	40	)	)	PUNCT
ajbmeb-294	122	41	or	or	CCONJ
ajbmeb-294	122	42	focusing	focus	VERB
ajbmeb-294	122	43	on	on	ADP
ajbmeb-294	122	44	discrimination	discrimination	NOUN
ajbmeb-294	122	45	in	in	ADP
ajbmeb-294	122	46	one	one	NUM
ajbmeb-294	122	47	or	or	CCONJ
ajbmeb-294	122	48	more	more	ADJ
ajbmeb-294	122	49	elements	element	NOUN
ajbmeb-294	122	50	of	of	ADP
ajbmeb-294	122	51	competition	competition	NOUN
ajbmeb-294	122	52	.	.	PUNCT
ajbmeb-294	123	1	if	if	SCONJ
ajbmeb-294	123	2	the	the	DET
ajbmeb-294	123	3	competitive	competitive	ADJ
ajbmeb-294	123	4	advantage	advantage	NOUN
ajbmeb-294	123	5	is	be	AUX
ajbmeb-294	123	6	achieved	achieve	VERB
ajbmeb-294	123	7	,	,	PUNCT
ajbmeb-294	123	8	the	the	DET
ajbmeb-294	123	9	feature	feature	NOUN
ajbmeb-294	123	10	of	of	ADP
ajbmeb-294	123	11	continuity	continuity	NOUN
ajbmeb-294	123	12	,	,	PUNCT
ajbmeb-294	123	13	if	if	SCONJ
ajbmeb-294	123	14	the	the	DET
ajbmeb-294	123	15	institution	institution	NOUN
ajbmeb-294	123	16	can	can	AUX
ajbmeb-294	123	17	maintain	maintain	VERB
ajbmeb-294	123	18	the	the	DET
ajbmeb-294	123	19	lowest	low	ADJ
ajbmeb-294	123	20	cost	cost	NOUN
ajbmeb-294	123	21	advantage	advantage	NOUN
ajbmeb-294	123	22	or	or	CCONJ
ajbmeb-294	123	23	differentiate	differentiate	VERB
ajbmeb-294	123	24	the	the	DET
ajbmeb-294	123	25	product	product	NOUN
ajbmeb-294	123	26	in	in	ADP
ajbmeb-294	123	27	the	the	DET
ajbmeb-294	123	28	face	face	NOUN
ajbmeb-294	123	29	of	of	ADP
ajbmeb-294	123	30	competing	compete	VERB
ajbmeb-294	123	31	institutions	institution	NOUN
ajbmeb-294	123	32	.	.	PUNCT
ajbmeb-294	124	1	in	in	ADP
ajbmeb-294	124	2	general	general	ADJ
ajbmeb-294	124	3	,	,	PUNCT
ajbmeb-294	124	4	the	the	PRON
ajbmeb-294	124	5	greater	great	ADJ
ajbmeb-294	124	6	the	the	DET
ajbmeb-294	124	7	competitive	competitive	ADJ
ajbmeb-294	124	8	advantage	advantage	NOUN
ajbmeb-294	124	9	,	,	PUNCT
ajbmeb-294	124	10	the	the	PRON
ajbmeb-294	124	11	greater	great	ADJ
ajbmeb-294	124	12	the	the	DET
ajbmeb-294	124	13	efforts	effort	NOUN
ajbmeb-294	124	14	required	require	VERB
ajbmeb-294	124	15	by	by	ADP
ajbmeb-294	124	16	competing	compete	VERB
ajbmeb-294	124	17	banks	bank	NOUN
ajbmeb-294	124	18	to	to	PART
ajbmeb-294	124	19	overcome	overcome	VERB
ajbmeb-294	124	20	it	it	PRON
ajbmeb-294	124	21	or	or	CCONJ
ajbmeb-294	124	22	to	to	PART
ajbmeb-294	124	23	determine	determine	VERB
ajbmeb-294	124	24	its	its	PRON
ajbmeb-294	124	25	impact	impact	NOUN
ajbmeb-294	124	26	(	(	PUNCT
ajbmeb-294	124	27	al	al	PROPN
ajbmeb-294	124	28	-	-	PUNCT
ajbmeb-294	124	29	arabi	arabi	PROPN
ajbmeb-294	124	30	,	,	PUNCT
ajbmeb-294	124	31	2005	2005	NUM
ajbmeb-294	124	32	:	:	PUNCT
ajbmeb-294	124	33	440	440	NUM
ajbmeb-294	124	34	)	)	PUNCT
ajbmeb-294	124	35	.	.	PUNCT
ajbmeb-294	125	1	american	american	PROPN
ajbmeb-294	125	2	journal	journal	PROPN
ajbmeb-294	125	3	of	of	ADP
ajbmeb-294	125	4	business	business	NOUN
ajbmeb-294	125	5	management	management	NOUN
ajbmeb-294	125	6	,	,	PUNCT
ajbmeb-294	125	7	economics	economic	NOUN
ajbmeb-294	125	8	and	and	CCONJ
ajbmeb-294	125	9	banking	banking	NOUN
ajbmeb-294	125	10	volume	volume	NOUN
ajbmeb-294	125	11	8	8	NUM
ajbmeb-294	125	12	,	,	PUNCT
ajbmeb-294	125	13	jan	jan	PROPN
ajbmeb-294	125	14	.	.	PROPN
ajbmeb-294	125	15	,	,	PUNCT
ajbmeb-294	125	16	2023	2023	NUM
ajbmeb-294	125	17	p	p	NOUN
ajbmeb-294	125	18	a	a	DET
ajbmeb-294	125	19	g	g	NOUN
ajbmeb-294	125	20	e	e	NOUN
ajbmeb-294	125	21	|	|	ADV
ajbmeb-294	125	22	27	27	NUM
ajbmeb-294	125	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	125	24	fourth	fourth	ADJ
ajbmeb-294	125	25	:	:	PUNCT
ajbmeb-294	125	26	competitive	competitive	ADJ
ajbmeb-294	125	27	dimensions	dimension	NOUN
ajbmeb-294	125	28	all	all	DET
ajbmeb-294	125	29	banks	bank	NOUN
ajbmeb-294	125	30	seek	seek	VERB
ajbmeb-294	125	31	to	to	PART
ajbmeb-294	125	32	achieve	achieve	VERB
ajbmeb-294	125	33	economic	economic	ADJ
ajbmeb-294	125	34	value	value	NOUN
ajbmeb-294	125	35	in	in	ADP
ajbmeb-294	125	36	order	order	NOUN
ajbmeb-294	125	37	to	to	PART
ajbmeb-294	125	38	be	be	AUX
ajbmeb-294	125	39	distinguished	distinguish	VERB
ajbmeb-294	125	40	.	.	PUNCT
ajbmeb-294	126	1	this	this	PRON
ajbmeb-294	126	2	is	be	AUX
ajbmeb-294	126	3	done	do	VERB
ajbmeb-294	126	4	according	accord	VERB
ajbmeb-294	126	5	to	to	ADP
ajbmeb-294	126	6	multiple	multiple	ADJ
ajbmeb-294	126	7	dimensions	dimension	NOUN
ajbmeb-294	126	8	that	that	PRON
ajbmeb-294	126	9	they	they	PRON
ajbmeb-294	126	10	choose	choose	VERB
ajbmeb-294	126	11	based	base	VERB
ajbmeb-294	126	12	on	on	ADP
ajbmeb-294	126	13	the	the	DET
ajbmeb-294	126	14	nature	nature	NOUN
ajbmeb-294	126	15	and	and	CCONJ
ajbmeb-294	126	16	size	size	NOUN
ajbmeb-294	126	17	of	of	ADP
ajbmeb-294	126	18	their	their	PRON
ajbmeb-294	126	19	activity	activity	NOUN
ajbmeb-294	126	20	and	and	CCONJ
ajbmeb-294	126	21	the	the	DET
ajbmeb-294	126	22	changing	change	VERB
ajbmeb-294	126	23	and	and	CCONJ
ajbmeb-294	126	24	targeted	targeted	ADJ
ajbmeb-294	126	25	desires	desire	NOUN
ajbmeb-294	126	26	of	of	ADP
ajbmeb-294	126	27	their	their	PRON
ajbmeb-294	126	28	customers	customer	NOUN
ajbmeb-294	126	29	.	.	PUNCT
ajbmeb-294	127	1	he	he	PRON
ajbmeb-294	127	2	explained	explain	VERB
ajbmeb-294	127	3	(	(	PUNCT
ajbmeb-294	127	4	al	al	PROPN
ajbmeb-294	127	5	-	-	PUNCT
ajbmeb-294	127	6	obaidi	obaidi	PROPN
ajbmeb-294	127	7	,	,	PUNCT
ajbmeb-294	127	8	2005	2005	NUM
ajbmeb-294	127	9	:	:	PUNCT
ajbmeb-294	127	10	51	51	NUM
ajbmeb-294	127	11	)	)	PUNCT
ajbmeb-294	127	12	that	that	SCONJ
ajbmeb-294	127	13	the	the	DET
ajbmeb-294	127	14	key	key	NOUN
ajbmeb-294	127	15	to	to	ADP
ajbmeb-294	127	16	developing	develop	VERB
ajbmeb-294	127	17	strategies	strategy	NOUN
ajbmeb-294	127	18	for	for	ADP
ajbmeb-294	127	19	effective	effective	ADJ
ajbmeb-294	127	20	competitive	competitive	ADJ
ajbmeb-294	127	21	operations	operation	NOUN
ajbmeb-294	127	22	refers	refer	VERB
ajbmeb-294	127	23	to	to	ADP
ajbmeb-294	127	24	understanding	understand	VERB
ajbmeb-294	127	25	how	how	SCONJ
ajbmeb-294	127	26	to	to	PART
ajbmeb-294	127	27	create	create	VERB
ajbmeb-294	127	28	added	add	VERB
ajbmeb-294	127	29	value	value	NOUN
ajbmeb-294	127	30	for	for	ADP
ajbmeb-294	127	31	customers	customer	NOUN
ajbmeb-294	127	32	,	,	PUNCT
ajbmeb-294	127	33	especially	especially	ADV
ajbmeb-294	127	34	the	the	DET
ajbmeb-294	127	35	value	value	NOUN
ajbmeb-294	127	36	that	that	PRON
ajbmeb-294	127	37	is	be	AUX
ajbmeb-294	127	38	added	add	VERB
ajbmeb-294	127	39	through	through	ADP
ajbmeb-294	127	40	competitive	competitive	ADJ
ajbmeb-294	127	41	priorities	priority	NOUN
ajbmeb-294	127	42	or	or	CCONJ
ajbmeb-294	127	43	the	the	DET
ajbmeb-294	127	44	priorities	priority	NOUN
ajbmeb-294	127	45	that	that	PRON
ajbmeb-294	127	46	are	be	AUX
ajbmeb-294	127	47	chosen	choose	VERB
ajbmeb-294	127	48	to	to	PART
ajbmeb-294	127	49	support	support	VERB
ajbmeb-294	127	50	the	the	DET
ajbmeb-294	127	51	adopted	adopt	VERB
ajbmeb-294	127	52	strategy	strategy	NOUN
ajbmeb-294	127	53	.	.	PUNCT
ajbmeb-294	128	1	he	he	PRON
ajbmeb-294	128	2	explained	explain	VERB
ajbmeb-294	128	3	that	that	SCONJ
ajbmeb-294	128	4	in	in	ADP
ajbmeb-294	128	5	the	the	DET
ajbmeb-294	128	6	past	past	NOUN
ajbmeb-294	128	7	,	,	PUNCT
ajbmeb-294	128	8	the	the	DET
ajbmeb-294	128	9	focus	focus	NOUN
ajbmeb-294	128	10	was	be	AUX
ajbmeb-294	128	11	on	on	ADP
ajbmeb-294	128	12	low	low	ADJ
ajbmeb-294	128	13	cost	cost	NOUN
ajbmeb-294	128	14	,	,	PUNCT
ajbmeb-294	128	15	and	and	CCONJ
ajbmeb-294	128	16	with	with	SCONJ
ajbmeb-294	128	17	the	the	DET
ajbmeb-294	128	18	passage	passage	NOUN
ajbmeb-294	128	19	of	of	ADP
ajbmeb-294	128	20	time	time	NOUN
ajbmeb-294	128	21	high	high	ADJ
ajbmeb-294	128	22	quality	quality	NOUN
ajbmeb-294	128	23	was	be	AUX
ajbmeb-294	128	24	added	add	VERB
ajbmeb-294	128	25	to	to	ADP
ajbmeb-294	128	26	it	it	PRON
ajbmeb-294	128	27	,	,	PUNCT
ajbmeb-294	128	28	then	then	ADV
ajbmeb-294	128	29	flexibility	flexibility	NOUN
ajbmeb-294	128	30	became	become	VERB
ajbmeb-294	128	31	an	an	DET
ajbmeb-294	128	32	important	important	ADJ
ajbmeb-294	128	33	dimension	dimension	NOUN
ajbmeb-294	128	34	and	and	CCONJ
ajbmeb-294	128	35	a	a	DET
ajbmeb-294	128	36	result	result	NOUN
ajbmeb-294	128	37	of	of	ADP
ajbmeb-294	128	38	the	the	DET
ajbmeb-294	128	39	dynamism	dynamism	NOUN
ajbmeb-294	128	40	of	of	ADP
ajbmeb-294	128	41	global	global	ADJ
ajbmeb-294	128	42	markets	market	NOUN
ajbmeb-294	128	43	.	.	PUNCT
ajbmeb-294	129	1	most	most	ADJ
ajbmeb-294	129	2	writers	writer	NOUN
ajbmeb-294	129	3	and	and	CCONJ
ajbmeb-294	129	4	researchers	researcher	NOUN
ajbmeb-294	129	5	have	have	AUX
ajbmeb-294	129	6	agreed	agree	VERB
ajbmeb-294	129	7	on	on	ADP
ajbmeb-294	129	8	several	several	ADJ
ajbmeb-294	129	9	dimensions	dimension	NOUN
ajbmeb-294	129	10	to	to	PART
ajbmeb-294	129	11	achieve	achieve	VERB
ajbmeb-294	129	12	competitive	competitive	ADJ
ajbmeb-294	129	13	superiority	superiority	NOUN
ajbmeb-294	129	14	that	that	SCONJ
ajbmeb-294	129	15	the	the	DET
ajbmeb-294	129	16	organization	organization	NOUN
ajbmeb-294	129	17	chooses	choose	VERB
ajbmeb-294	129	18	and	and	CCONJ
ajbmeb-294	129	19	focuses	focus	VERB
ajbmeb-294	129	20	on	on	ADP
ajbmeb-294	129	21	in	in	ADP
ajbmeb-294	129	22	providing	provide	VERB
ajbmeb-294	129	23	its	its	PRON
ajbmeb-294	129	24	products	product	NOUN
ajbmeb-294	129	25	(	(	PUNCT
ajbmeb-294	129	26	goods	good	NOUN
ajbmeb-294	129	27	or	or	CCONJ
ajbmeb-294	129	28	services	service	NOUN
ajbmeb-294	129	29	)	)	PUNCT
ajbmeb-294	129	30	to	to	PART
ajbmeb-294	129	31	meet	meet	VERB
ajbmeb-294	129	32	the	the	DET
ajbmeb-294	129	33	desires	desire	NOUN
ajbmeb-294	129	34	of	of	ADP
ajbmeb-294	129	35	customers	customer	NOUN
ajbmeb-294	129	36	through	through	ADP
ajbmeb-294	129	37	one	one	NUM
ajbmeb-294	129	38	or	or	CCONJ
ajbmeb-294	129	39	more	more	ADJ
ajbmeb-294	129	40	of	of	ADP
ajbmeb-294	129	41	these	these	DET
ajbmeb-294	129	42	dimensions	dimension	NOUN
ajbmeb-294	129	43	:	:	PUNCT
ajbmeb-294	129	44	1	1	NUM
ajbmeb-294	129	45	cost	cost	NOUN
ajbmeb-294	129	46	:	:	PUNCT
ajbmeb-294	129	47	cost	cost	NOUN
ajbmeb-294	129	48	was	be	AUX
ajbmeb-294	129	49	defined	define	VERB
ajbmeb-294	129	50	(	(	PUNCT
ajbmeb-294	129	51	krajewski	krajewski	PROPN
ajbmeb-294	129	52	&	&	CCONJ
ajbmeb-294	129	53	ritzaman	ritzaman	PROPN
ajbmeb-294	129	54	,	,	PUNCT
ajbmeb-294	129	55	1999:33	1999:33	NOUN
ajbmeb-294	129	56	)	)	PUNCT
ajbmeb-294	129	57	as	as	ADP
ajbmeb-294	129	58	resources	resource	NOUN
ajbmeb-294	129	59	sacrificed	sacrifice	VERB
ajbmeb-294	129	60	for	for	ADP
ajbmeb-294	129	61	a	a	DET
ajbmeb-294	129	62	specific	specific	ADJ
ajbmeb-294	129	63	goal	goal	NOUN
ajbmeb-294	129	64	of	of	ADP
ajbmeb-294	129	65	the	the	DET
ajbmeb-294	129	66	organization	organization	NOUN
ajbmeb-294	129	67	in	in	ADP
ajbmeb-294	129	68	order	order	NOUN
ajbmeb-294	129	69	to	to	PART
ajbmeb-294	129	70	achieve	achieve	VERB
ajbmeb-294	129	71	sustainable	sustainable	ADJ
ajbmeb-294	129	72	competitive	competitive	ADJ
ajbmeb-294	129	73	advantage	advantage	NOUN
ajbmeb-294	129	74	and	and	CCONJ
ajbmeb-294	129	75	that	that	SCONJ
ajbmeb-294	129	76	providing	provide	VERB
ajbmeb-294	129	77	services	service	NOUN
ajbmeb-294	129	78	at	at	ADP
ajbmeb-294	129	79	low	low	ADJ
ajbmeb-294	129	80	prices	price	NOUN
ajbmeb-294	129	81	can	can	AUX
ajbmeb-294	129	82	increase	increase	VERB
ajbmeb-294	129	83	the	the	DET
ajbmeb-294	129	84	demand	demand	NOUN
ajbmeb-294	129	85	for	for	ADP
ajbmeb-294	129	86	services	service	NOUN
ajbmeb-294	129	87	,	,	PUNCT
ajbmeb-294	129	88	i.e.	i.e.	X
ajbmeb-294	129	89	increasing	increase	VERB
ajbmeb-294	129	90	the	the	DET
ajbmeb-294	129	91	share	share	NOUN
ajbmeb-294	129	92	of	of	ADP
ajbmeb-294	129	93	the	the	DET
ajbmeb-294	129	94	bank	bank	NOUN
ajbmeb-294	129	95	in	in	ADP
ajbmeb-294	129	96	the	the	DET
ajbmeb-294	129	97	banking	banking	NOUN
ajbmeb-294	129	98	sector	sector	NOUN
ajbmeb-294	129	99	.	.	PUNCT
ajbmeb-294	130	1	it	it	PRON
ajbmeb-294	130	2	also	also	ADV
ajbmeb-294	130	3	reduces	reduce	VERB
ajbmeb-294	130	4	profit	profit	NOUN
ajbmeb-294	130	5	margins	margin	NOUN
ajbmeb-294	130	6	if	if	SCONJ
ajbmeb-294	130	7	it	it	PRON
ajbmeb-294	130	8	is	be	AUX
ajbmeb-294	130	9	not	not	PART
ajbmeb-294	130	10	possible	possible	ADJ
ajbmeb-294	130	11	to	to	PART
ajbmeb-294	130	12	provide	provide	VERB
ajbmeb-294	130	13	the	the	DET
ajbmeb-294	130	14	service	service	NOUN
ajbmeb-294	130	15	at	at	ADP
ajbmeb-294	130	16	a	a	DET
ajbmeb-294	130	17	lower	low	ADJ
ajbmeb-294	130	18	cost	cost	NOUN
ajbmeb-294	130	19	,	,	PUNCT
ajbmeb-294	130	20	and	and	CCONJ
ajbmeb-294	130	21	competition	competition	NOUN
ajbmeb-294	130	22	on	on	ADP
ajbmeb-294	130	23	the	the	DET
ajbmeb-294	130	24	basis	basis	NOUN
ajbmeb-294	130	25	of	of	ADP
ajbmeb-294	130	26	cost	cost	NOUN
ajbmeb-294	130	27	entails	entail	VERB
ajbmeb-294	130	28	interest	interest	NOUN
ajbmeb-294	130	29	in	in	ADP
ajbmeb-294	130	30	reducing	reduce	VERB
ajbmeb-294	130	31	work	work	NOUN
ajbmeb-294	130	32	costs	cost	NOUN
ajbmeb-294	130	33	and	and	CCONJ
ajbmeb-294	130	34	other	other	ADJ
ajbmeb-294	130	35	costs	cost	NOUN
ajbmeb-294	130	36	,	,	PUNCT
ajbmeb-294	130	37	which	which	PRON
ajbmeb-294	130	38	aims	aim	VERB
ajbmeb-294	130	39	to	to	PART
ajbmeb-294	130	40	reduce	reduce	VERB
ajbmeb-294	130	41	the	the	DET
ajbmeb-294	130	42	cost	cost	NOUN
ajbmeb-294	130	43	per	per	ADP
ajbmeb-294	130	44	unit	unit	NOUN
ajbmeb-294	130	45	of	of	ADP
ajbmeb-294	130	46	service	service	NOUN
ajbmeb-294	130	47	.	.	PUNCT
ajbmeb-294	131	1	it	it	PRON
ajbmeb-294	131	2	was	be	AUX
ajbmeb-294	131	3	defined	define	VERB
ajbmeb-294	131	4	,	,	PUNCT
ajbmeb-294	131	5	(	(	PUNCT
ajbmeb-294	131	6	al	al	PROPN
ajbmeb-294	131	7	-	-	PUNCT
ajbmeb-294	131	8	taweel	taweel	PROPN
ajbmeb-294	131	9	and	and	CCONJ
ajbmeb-294	131	10	al	al	PROPN
ajbmeb-294	131	11	-	-	PUNCT
ajbmeb-294	131	12	hafiz	hafiz	PROPN
ajbmeb-294	131	13	,	,	PUNCT
ajbmeb-294	131	14	12	12	NUM
ajbmeb-294	131	15	:	:	SYM
ajbmeb-294	131	16	2002	2002	NUM
ajbmeb-294	131	17	)	)	PUNCT
ajbmeb-294	131	18	cost	cost	NOUN
ajbmeb-294	131	19	as	as	ADP
ajbmeb-294	131	20	a	a	DET
ajbmeb-294	131	21	group	group	NOUN
ajbmeb-294	131	22	of	of	ADP
ajbmeb-294	131	23	cash	cash	NOUN
ajbmeb-294	131	24	income	income	NOUN
ajbmeb-294	131	25	that	that	PRON
ajbmeb-294	131	26	the	the	DET
ajbmeb-294	131	27	bank	bank	NOUN
ajbmeb-294	131	28	uses	use	VERB
ajbmeb-294	131	29	to	to	PART
ajbmeb-294	131	30	obtain	obtain	VERB
ajbmeb-294	131	31	the	the	DET
ajbmeb-294	131	32	factors	factor	NOUN
ajbmeb-294	131	33	of	of	ADP
ajbmeb-294	131	34	production	production	NOUN
ajbmeb-294	131	35	necessary	necessary	ADJ
ajbmeb-294	131	36	to	to	PART
ajbmeb-294	131	37	achieve	achieve	VERB
ajbmeb-294	131	38	the	the	DET
ajbmeb-294	131	39	goals	goal	NOUN
ajbmeb-294	131	40	it	it	PRON
ajbmeb-294	131	41	wants	want	VERB
ajbmeb-294	131	42	to	to	PART
ajbmeb-294	131	43	reach	reach	VERB
ajbmeb-294	131	44	.	.	PUNCT
ajbmeb-294	132	1	that	that	PRON
ajbmeb-294	132	2	is	be	AUX
ajbmeb-294	132	3	,	,	PUNCT
ajbmeb-294	132	4	banks	bank	NOUN
ajbmeb-294	132	5	(	(	PUNCT
ajbmeb-294	132	6	evans	evans	PROPN
ajbmeb-294	132	7	&	&	CCONJ
ajbmeb-294	132	8	collier	collier	PROPN
ajbmeb-294	132	9	,	,	PUNCT
ajbmeb-294	132	10	1997	1997	NUM
ajbmeb-294	132	11	:	:	PUNCT
ajbmeb-294	132	12	124	124	NUM
ajbmeb-294	132	13	)	)	PUNCT
ajbmeb-294	132	14	can	can	AUX
ajbmeb-294	132	15	lower	lower	VERB
ajbmeb-294	132	16	their	their	PRON
ajbmeb-294	132	17	expenses	expense	NOUN
ajbmeb-294	132	18	by	by	ADP
ajbmeb-294	132	19	effectively	effectively	ADV
ajbmeb-294	132	20	using	use	VERB
ajbmeb-294	132	21	the	the	DET
ajbmeb-294	132	22	production	production	NOUN
ajbmeb-294	132	23	capacity	capacity	NOUN
ajbmeb-294	132	24	for	for	ADP
ajbmeb-294	132	25	the	the	DET
ajbmeb-294	132	26	service	service	NOUN
ajbmeb-294	132	27	at	at	ADP
ajbmeb-294	132	28	their	their	PRON
ajbmeb-294	132	29	disposal	disposal	NOUN
ajbmeb-294	132	30	,	,	PUNCT
ajbmeb-294	132	31	as	as	ADV
ajbmeb-294	132	32	well	well	ADV
ajbmeb-294	132	33	as	as	ADP
ajbmeb-294	132	34	the	the	DET
ajbmeb-294	132	35	ongoing	ongoing	ADJ
ajbmeb-294	132	36	enhancement	enhancement	NOUN
ajbmeb-294	132	37	of	of	ADP
ajbmeb-294	132	38	service	service	NOUN
ajbmeb-294	132	39	quality	quality	NOUN
ajbmeb-294	132	40	,	,	PUNCT
ajbmeb-294	132	41	innovation	innovation	NOUN
ajbmeb-294	132	42	in	in	ADP
ajbmeb-294	132	43	service	service	NOUN
ajbmeb-294	132	44	design	design	NOUN
ajbmeb-294	132	45	,	,	PUNCT
ajbmeb-294	132	46	and	and	CCONJ
ajbmeb-294	132	47	process	process	NOUN
ajbmeb-294	132	48	technology	technology	NOUN
ajbmeb-294	132	49	,	,	PUNCT
ajbmeb-294	132	50	as	as	SCONJ
ajbmeb-294	132	51	these	these	PRON
ajbmeb-294	132	52	are	be	AUX
ajbmeb-294	132	53	crucial	crucial	ADJ
ajbmeb-294	132	54	building	building	NOUN
ajbmeb-294	132	55	blocks	block	NOUN
ajbmeb-294	132	56	for	for	ADP
ajbmeb-294	132	57	cost	cost	NOUN
ajbmeb-294	132	58	reduction	reduction	NOUN
ajbmeb-294	132	59	and	and	CCONJ
ajbmeb-294	132	60	help	help	VERB
ajbmeb-294	132	61	managers	manager	NOUN
ajbmeb-294	132	62	support	support	NOUN
ajbmeb-294	132	63	and	and	CCONJ
ajbmeb-294	132	64	credit	credit	NOUN
ajbmeb-294	132	65	the	the	DET
ajbmeb-294	132	66	company	company	NOUN
ajbmeb-294	132	67	's	's	PART
ajbmeb-294	132	68	aim	aim	NOUN
ajbmeb-294	132	69	to	to	PART
ajbmeb-294	132	70	be	be	AUX
ajbmeb-294	132	71	a	a	DET
ajbmeb-294	132	72	leader	leader	NOUN
ajbmeb-294	132	73	in	in	ADP
ajbmeb-294	132	74	the	the	DET
ajbmeb-294	132	75	field	field	NOUN
ajbmeb-294	132	76	of	of	ADP
ajbmeb-294	132	77	cost	cost	NOUN
ajbmeb-294	132	78	.	.	PUNCT
ajbmeb-294	133	1	2	2	NUM
ajbmeb-294	133	2	quality	quality	NOUN
ajbmeb-294	133	3	:	:	PUNCT
ajbmeb-294	133	4	the	the	DET
ajbmeb-294	133	5	term	term	NOUN
ajbmeb-294	133	6	quality	quality	NOUN
ajbmeb-294	133	7	was	be	AUX
ajbmeb-294	133	8	used	use	VERB
ajbmeb-294	133	9	to	to	PART
ajbmeb-294	133	10	express	express	VERB
ajbmeb-294	133	11	different	different	ADJ
ajbmeb-294	133	12	points	point	NOUN
ajbmeb-294	133	13	of	of	ADP
ajbmeb-294	133	14	view	view	NOUN
ajbmeb-294	133	15	(	(	PUNCT
ajbmeb-294	133	16	al	al	PROPN
ajbmeb-294	133	17	-	-	PUNCT
ajbmeb-294	133	18	taweel	taweel	PROPN
ajbmeb-294	133	19	and	and	CCONJ
ajbmeb-294	133	20	alhafiz	alhafiz	ADJ
ajbmeb-294	133	21	,	,	PUNCT
ajbmeb-294	133	22	2002	2002	NUM
ajbmeb-294	133	23	:	:	PUNCT
ajbmeb-294	133	24	18	18	NUM
ajbmeb-294	133	25	)	)	PUNCT
ajbmeb-294	133	26	,	,	PUNCT
ajbmeb-294	133	27	the	the	DET
ajbmeb-294	133	28	value	value	NOUN
ajbmeb-294	133	29	of	of	ADP
ajbmeb-294	133	30	the	the	DET
ajbmeb-294	133	31	product	product	NOUN
ajbmeb-294	133	32	's	's	PART
ajbmeb-294	133	33	service	service	NOUN
ajbmeb-294	133	34	,	,	PUNCT
ajbmeb-294	133	35	the	the	DET
ajbmeb-294	133	36	degree	degree	NOUN
ajbmeb-294	133	37	to	to	PART
ajbmeb-294	133	38	which	which	PRON
ajbmeb-294	133	39	it	it	PRON
ajbmeb-294	133	40	fulfills	fulfill	VERB
ajbmeb-294	133	41	its	its	PRON
ajbmeb-294	133	42	intended	intended	ADJ
ajbmeb-294	133	43	purpose	purpose	NOUN
ajbmeb-294	133	44	,	,	PUNCT
ajbmeb-294	133	45	and	and	CCONJ
ajbmeb-294	133	46	the	the	DET
ajbmeb-294	133	47	price	price	NOUN
ajbmeb-294	133	48	the	the	DET
ajbmeb-294	133	49	customer	customer	NOUN
ajbmeb-294	133	50	is	be	AUX
ajbmeb-294	133	51	ready	ready	ADJ
ajbmeb-294	133	52	to	to	PART
ajbmeb-294	133	53	pay	pay	VERB
ajbmeb-294	133	54	are	be	AUX
ajbmeb-294	133	55	all	all	PRON
ajbmeb-294	133	56	factors	factor	NOUN
ajbmeb-294	133	57	that	that	PRON
ajbmeb-294	133	58	influence	influence	VERB
ajbmeb-294	133	59	how	how	SCONJ
ajbmeb-294	133	60	the	the	DET
ajbmeb-294	133	61	customer	customer	NOUN
ajbmeb-294	133	62	perceives	perceive	VERB
ajbmeb-294	133	63	the	the	DET
ajbmeb-294	133	64	product	product	NOUN
ajbmeb-294	133	65	.	.	PUNCT
ajbmeb-294	134	1	in	in	ADP
ajbmeb-294	134	2	contrast	contrast	NOUN
ajbmeb-294	134	3	,	,	PUNCT
ajbmeb-294	134	4	the	the	DET
ajbmeb-294	134	5	product	product	NOUN
ajbmeb-294	134	6	's	's	PART
ajbmeb-294	134	7	vision	vision	NOUN
ajbmeb-294	134	8	focuses	focus	VERB
ajbmeb-294	134	9	on	on	ADP
ajbmeb-294	134	10	providing	provide	VERB
ajbmeb-294	134	11	services	service	NOUN
ajbmeb-294	134	12	that	that	PRON
ajbmeb-294	134	13	meet	meet	VERB
ajbmeb-294	134	14	the	the	DET
ajbmeb-294	134	15	requirements	requirement	NOUN
ajbmeb-294	134	16	set	set	VERB
ajbmeb-294	134	17	down	down	ADP
ajbmeb-294	134	18	for	for	ADP
ajbmeb-294	134	19	them	they	PRON
ajbmeb-294	134	20	in	in	ADP
ajbmeb-294	134	21	terms	term	NOUN
ajbmeb-294	134	22	of	of	ADP
ajbmeb-294	134	23	quality	quality	NOUN
ajbmeb-294	134	24	.	.	PUNCT
ajbmeb-294	135	1	it	it	PRON
ajbmeb-294	135	2	implemented	implement	VERB
ajbmeb-294	135	3	intensive	intensive	ADJ
ajbmeb-294	135	4	training	training	NOUN
ajbmeb-294	135	5	programs	program	NOUN
ajbmeb-294	135	6	for	for	ADP
ajbmeb-294	135	7	its	its	PRON
ajbmeb-294	135	8	employees	employee	NOUN
ajbmeb-294	135	9	,	,	PUNCT
ajbmeb-294	135	10	promoting	promote	VERB
ajbmeb-294	135	11	innovation	innovation	NOUN
ajbmeb-294	135	12	and	and	CCONJ
ajbmeb-294	135	13	allowing	allow	VERB
ajbmeb-294	135	14	them	they	PRON
ajbmeb-294	135	15	to	to	PART
ajbmeb-294	135	16	take	take	VERB
ajbmeb-294	135	17	independent	independent	ADJ
ajbmeb-294	135	18	decisions	decision	NOUN
ajbmeb-294	135	19	.	.	PUNCT
ajbmeb-294	136	1	on	on	ADP
ajbmeb-294	136	2	the	the	DET
ajbmeb-294	136	3	other	other	ADJ
ajbmeb-294	136	4	hand	hand	NOUN
ajbmeb-294	136	5	,	,	PUNCT
ajbmeb-294	136	6	the	the	DET
ajbmeb-294	136	7	organization	organization	NOUN
ajbmeb-294	136	8	offers	offer	VERB
ajbmeb-294	136	9	the	the	DET
ajbmeb-294	136	10	knowledge	knowledge	NOUN
ajbmeb-294	136	11	and	and	CCONJ
ajbmeb-294	136	12	skills	skill	NOUN
ajbmeb-294	136	13	required	require	VERB
ajbmeb-294	136	14	by	by	ADP
ajbmeb-294	136	15	the	the	DET
ajbmeb-294	136	16	staff	staff	NOUN
ajbmeb-294	136	17	to	to	PART
ajbmeb-294	136	18	improve	improve	VERB
ajbmeb-294	136	19	their	their	PRON
ajbmeb-294	136	20	performance	performance	NOUN
ajbmeb-294	136	21	,	,	PUNCT
ajbmeb-294	136	22	as	as	SCONJ
ajbmeb-294	136	23	quality	quality	NOUN
ajbmeb-294	136	24	is	be	AUX
ajbmeb-294	136	25	the	the	DET
ajbmeb-294	136	26	objective	objective	NOUN
ajbmeb-294	136	27	of	of	ADP
ajbmeb-294	136	28	every	every	DET
ajbmeb-294	136	29	manager	manager	NOUN
ajbmeb-294	136	30	and	and	CCONJ
ajbmeb-294	136	31	a	a	DET
ajbmeb-294	136	32	factor	factor	NOUN
ajbmeb-294	136	33	that	that	PRON
ajbmeb-294	136	34	greatly	greatly	ADV
ajbmeb-294	136	35	affects	affect	VERB
ajbmeb-294	136	36	how	how	SCONJ
ajbmeb-294	136	37	well	well	ADV
ajbmeb-294	136	38	banks	bank	NOUN
ajbmeb-294	136	39	operate	operate	VERB
ajbmeb-294	136	40	and	and	CCONJ
ajbmeb-294	136	41	,	,	PUNCT
ajbmeb-294	136	42	consequently	consequently	ADV
ajbmeb-294	136	43	,	,	PUNCT
ajbmeb-294	136	44	how	how	SCONJ
ajbmeb-294	136	45	competitively	competitively	ADV
ajbmeb-294	136	46	they	they	PRON
ajbmeb-294	136	47	are	be	AUX
ajbmeb-294	136	48	positioned	position	VERB
ajbmeb-294	136	49	.	.	PUNCT
ajbmeb-294	137	1	quality	quality	NOUN
ajbmeb-294	137	2	is	be	AUX
ajbmeb-294	137	3	one	one	NUM
ajbmeb-294	137	4	of	of	ADP
ajbmeb-294	137	5	the	the	DET
ajbmeb-294	137	6	important	important	ADJ
ajbmeb-294	137	7	competitive	competitive	ADJ
ajbmeb-294	137	8	advantages	advantage	NOUN
ajbmeb-294	137	9	,	,	PUNCT
ajbmeb-294	137	10	which	which	PRON
ajbmeb-294	137	11	refers	refer	VERB
ajbmeb-294	137	12	to	to	ADP
ajbmeb-294	137	13	(	(	PUNCT
ajbmeb-294	137	14	krajewsky	krajewsky	PROPN
ajbmeb-294	137	15	&	&	CCONJ
ajbmeb-294	137	16	ritzman	ritzman	ADJ
ajbmeb-294	137	17	,	,	PUNCT
ajbmeb-294	137	18	1999:36	1999:36	NUM
ajbmeb-294	137	19	)	)	PUNCT
ajbmeb-294	137	20	doing	do	VERB
ajbmeb-294	137	21	things	thing	NOUN
ajbmeb-294	137	22	correctly	correctly	ADV
ajbmeb-294	137	23	to	to	PART
ajbmeb-294	137	24	provide	provide	VERB
ajbmeb-294	137	25	services	service	NOUN
ajbmeb-294	137	26	that	that	PRON
ajbmeb-294	137	27	are	be	AUX
ajbmeb-294	137	28	in	in	ADP
ajbmeb-294	137	29	line	line	NOUN
ajbmeb-294	137	30	with	with	ADP
ajbmeb-294	137	31	the	the	DET
ajbmeb-294	137	32	needs	need	NOUN
ajbmeb-294	137	33	of	of	ADP
ajbmeb-294	137	34	customers	customer	NOUN
ajbmeb-294	137	35	.	.	PUNCT
ajbmeb-294	138	1	customers	customer	NOUN
ajbmeb-294	138	2	want	want	VERB
ajbmeb-294	138	3	quality	quality	NOUN
ajbmeb-294	138	4	services	service	NOUN
ajbmeb-294	138	5	that	that	PRON
ajbmeb-294	138	6	include	include	VERB
ajbmeb-294	138	7	the	the	DET
ajbmeb-294	138	8	features	feature	NOUN
ajbmeb-294	138	9	they	they	PRON
ajbmeb-294	138	10	need	need	VERB
ajbmeb-294	138	11	.	.	PUNCT
ajbmeb-294	139	1	people	people	NOUN
ajbmeb-294	139	2	are	be	AUX
ajbmeb-294	139	3	the	the	DET
ajbmeb-294	139	4	qualities	quality	NOUN
ajbmeb-294	139	5	they	they	PRON
ajbmeb-294	139	6	expect	expect	VERB
ajbmeb-294	139	7	from	from	ADP
ajbmeb-294	139	8	banks	bank	NOUN
ajbmeb-294	139	9	or	or	CCONJ
ajbmeb-294	139	10	see	see	VERB
ajbmeb-294	139	11	in	in	ADP
ajbmeb-294	139	12	their	their	PRON
ajbmeb-294	139	13	advertisements	advertisement	NOUN
ajbmeb-294	139	14	,	,	PUNCT
ajbmeb-294	139	15	and	and	CCONJ
ajbmeb-294	139	16	banks	bank	NOUN
ajbmeb-294	139	17	that	that	PRON
ajbmeb-294	139	18	do	do	AUX
ajbmeb-294	139	19	not	not	PART
ajbmeb-294	139	20	provide	provide	VERB
ajbmeb-294	139	21	high	high	ADJ
ajbmeb-294	139	22	-	-	PUNCT
ajbmeb-294	139	23	quality	quality	NOUN
ajbmeb-294	139	24	services	service	NOUN
ajbmeb-294	139	25	that	that	PRON
ajbmeb-294	139	26	meet	meet	VERB
ajbmeb-294	139	27	customers	customer	NOUN
ajbmeb-294	139	28	'	'	PART
ajbmeb-294	139	29	requirements	requirement	NOUN
ajbmeb-294	139	30	,	,	PUNCT
ajbmeb-294	139	31	desires	desire	NOUN
ajbmeb-294	139	32	,	,	PUNCT
ajbmeb-294	139	33	and	and	CCONJ
ajbmeb-294	139	34	expectations	expectation	NOUN
ajbmeb-294	139	35	can	can	AUX
ajbmeb-294	139	36	not	not	PART
ajbmeb-294	139	37	survive	survive	VERB
ajbmeb-294	139	38	and	and	CCONJ
ajbmeb-294	139	39	thrive	thrive	VERB
ajbmeb-294	139	40	in	in	ADP
ajbmeb-294	139	41	the	the	DET
ajbmeb-294	139	42	competitive	competitive	ADJ
ajbmeb-294	139	43	financial	financial	ADJ
ajbmeb-294	139	44	markets	market	NOUN
ajbmeb-294	139	45	.	.	PUNCT
ajbmeb-294	140	1	flexibility	flexibility	NOUN
ajbmeb-294	140	2	:	:	PUNCT
ajbmeb-294	140	3	it	it	PRON
ajbmeb-294	140	4	was	be	AUX
ajbmeb-294	140	5	dealt	deal	VERB
ajbmeb-294	140	6	with	with	ADP
ajbmeb-294	140	7	(	(	PUNCT
ajbmeb-294	140	8	evans	evans	PROPN
ajbmeb-294	140	9	,	,	PUNCT
ajbmeb-294	140	10	1997:87	1997:87	NUM
ajbmeb-294	140	11	)	)	PUNCT
ajbmeb-294	140	12	,	,	PUNCT
ajbmeb-294	140	13	emphasizing	emphasize	VERB
ajbmeb-294	140	14	the	the	DET
ajbmeb-294	140	15	use	use	NOUN
ajbmeb-294	140	16	of	of	ADP
ajbmeb-294	140	17	flexibility	flexibility	NOUN
ajbmeb-294	140	18	and	and	CCONJ
ajbmeb-294	140	19	diversification	diversification	NOUN
ajbmeb-294	140	20	by	by	ADP
ajbmeb-294	140	21	many	many	ADJ
ajbmeb-294	140	22	banks	bank	NOUN
ajbmeb-294	140	23	,	,	PUNCT
ajbmeb-294	140	24	and	and	CCONJ
ajbmeb-294	140	25	flexibility	flexibility	NOUN
ajbmeb-294	140	26	means	mean	VERB
ajbmeb-294	140	27	the	the	DET
ajbmeb-294	140	28	ability	ability	NOUN
ajbmeb-294	140	29	of	of	ADP
ajbmeb-294	140	30	the	the	DET
ajbmeb-294	140	31	production	production	NOUN
ajbmeb-294	140	32	system	system	NOUN
ajbmeb-294	140	33	to	to	PART
ajbmeb-294	140	34	adapt	adapt	VERB
ajbmeb-294	140	35	to	to	ADP
ajbmeb-294	140	36	successful	successful	ADJ
ajbmeb-294	140	37	american	american	ADJ
ajbmeb-294	140	38	journal	journal	PROPN
ajbmeb-294	140	39	of	of	ADP
ajbmeb-294	140	40	business	business	NOUN
ajbmeb-294	140	41	management	management	NOUN
ajbmeb-294	140	42	,	,	PUNCT
ajbmeb-294	140	43	economics	economic	NOUN
ajbmeb-294	140	44	and	and	CCONJ
ajbmeb-294	140	45	banking	banking	NOUN
ajbmeb-294	140	46	volume	volume	NOUN
ajbmeb-294	140	47	8	8	NUM
ajbmeb-294	140	48	,	,	PUNCT
ajbmeb-294	140	49	jan	jan	PROPN
ajbmeb-294	140	50	.	.	PROPN
ajbmeb-294	140	51	,	,	PUNCT
ajbmeb-294	140	52	2023	2023	NUM
ajbmeb-294	140	53	p	p	NOUN
ajbmeb-294	140	54	a	a	PRON
ajbmeb-294	140	55	g	g	NOUN
ajbmeb-294	140	56	e	e	PROPN
ajbmeb-294	140	57	|	|	ADV
ajbmeb-294	140	58	28	28	NUM
ajbmeb-294	140	59	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	140	60	changes	change	NOUN
ajbmeb-294	140	61	and	and	CCONJ
ajbmeb-294	140	62	environmental	environmental	ADJ
ajbmeb-294	140	63	developments	development	NOUN
ajbmeb-294	140	64	for	for	ADP
ajbmeb-294	140	65	the	the	DET
ajbmeb-294	140	66	purposes	purpose	NOUN
ajbmeb-294	140	67	of	of	ADP
ajbmeb-294	140	68	facing	face	VERB
ajbmeb-294	140	69	changes	change	NOUN
ajbmeb-294	140	70	in	in	ADP
ajbmeb-294	140	71	customer	customer	NOUN
ajbmeb-294	140	72	demands	demand	NOUN
ajbmeb-294	140	73	,	,	PUNCT
ajbmeb-294	140	74	as	as	ADV
ajbmeb-294	140	75	well	well	ADV
ajbmeb-294	140	76	as	as	ADP
ajbmeb-294	140	77	the	the	DET
ajbmeb-294	140	78	use	use	NOUN
ajbmeb-294	140	79	of	of	ADP
ajbmeb-294	140	80	new	new	ADJ
ajbmeb-294	140	81	technologies	technology	NOUN
ajbmeb-294	140	82	in	in	ADP
ajbmeb-294	140	83	order	order	NOUN
ajbmeb-294	140	84	to	to	PART
ajbmeb-294	140	85	obtain	obtain	VERB
ajbmeb-294	140	86	a	a	DET
ajbmeb-294	140	87	competitive	competitive	ADJ
ajbmeb-294	140	88	advantage	advantage	NOUN
ajbmeb-294	140	89	in	in	ADP
ajbmeb-294	140	90	specific	specific	ADJ
ajbmeb-294	140	91	financial	financial	ADJ
ajbmeb-294	140	92	markets	market	NOUN
ajbmeb-294	140	93	.	.	PUNCT
ajbmeb-294	141	1	and	and	CCONJ
ajbmeb-294	141	2	(	(	PUNCT
ajbmeb-294	141	3	al	al	PROPN
ajbmeb-294	141	4	-	-	PUNCT
ajbmeb-294	141	5	ali	ali	PROPN
ajbmeb-294	141	6	,	,	PUNCT
ajbmeb-294	141	7	2006	2006	NUM
ajbmeb-294	141	8	:	:	PUNCT
ajbmeb-294	141	9	39	39	NUM
ajbmeb-294	141	10	)	)	PUNCT
ajbmeb-294	141	11	confirms	confirm	VERB
ajbmeb-294	141	12	that	that	SCONJ
ajbmeb-294	141	13	flexibility	flexibility	NOUN
ajbmeb-294	141	14	has	have	AUX
ajbmeb-294	141	15	become	become	VERB
ajbmeb-294	141	16	an	an	DET
ajbmeb-294	141	17	effective	effective	ADJ
ajbmeb-294	141	18	weapon	weapon	NOUN
ajbmeb-294	141	19	in	in	ADP
ajbmeb-294	141	20	competition	competition	NOUN
ajbmeb-294	141	21	between	between	ADP
ajbmeb-294	141	22	business	business	NOUN
ajbmeb-294	141	23	organizations	organization	NOUN
ajbmeb-294	141	24	,	,	PUNCT
ajbmeb-294	141	25	as	as	SCONJ
ajbmeb-294	141	26	it	it	PRON
ajbmeb-294	141	27	includes	include	VERB
ajbmeb-294	141	28	the	the	DET
ajbmeb-294	141	29	ability	ability	NOUN
ajbmeb-294	141	30	to	to	PART
ajbmeb-294	141	31	provide	provide	VERB
ajbmeb-294	141	32	a	a	DET
ajbmeb-294	141	33	wide	wide	ADJ
ajbmeb-294	141	34	variety	variety	NOUN
ajbmeb-294	141	35	of	of	ADP
ajbmeb-294	141	36	new	new	ADJ
ajbmeb-294	141	37	services	service	NOUN
ajbmeb-294	141	38	on	on	ADP
ajbmeb-294	141	39	an	an	DET
ajbmeb-294	141	40	ongoing	ongoing	ADJ
ajbmeb-294	141	41	basis	basis	NOUN
ajbmeb-294	141	42	,	,	PUNCT
ajbmeb-294	141	43	as	as	ADV
ajbmeb-294	141	44	well	well	ADV
ajbmeb-294	141	45	as	as	ADP
ajbmeb-294	141	46	the	the	DET
ajbmeb-294	141	47	speed	speed	NOUN
ajbmeb-294	141	48	in	in	ADP
ajbmeb-294	141	49	developing	develop	VERB
ajbmeb-294	141	50	existing	exist	VERB
ajbmeb-294	141	51	services	service	NOUN
ajbmeb-294	141	52	,	,	PUNCT
ajbmeb-294	141	53	in	in	ADP
ajbmeb-294	141	54	addition	addition	NOUN
ajbmeb-294	141	55	to	to	ADP
ajbmeb-294	141	56	responding	respond	VERB
ajbmeb-294	141	57	in	in	ADP
ajbmeb-294	141	58	general	general	ADJ
ajbmeb-294	141	59	to	to	ADP
ajbmeb-294	141	60	the	the	DET
ajbmeb-294	141	61	needs	need	NOUN
ajbmeb-294	141	62	and	and	CCONJ
ajbmeb-294	141	63	desires	desire	NOUN
ajbmeb-294	141	64	of	of	ADP
ajbmeb-294	141	65	the	the	DET
ajbmeb-294	141	66	customer	customer	NOUN
ajbmeb-294	141	67	.	.	PUNCT
ajbmeb-294	142	1	flexibility	flexibility	NOUN
ajbmeb-294	142	2	is	be	AUX
ajbmeb-294	142	3	considered	consider	VERB
ajbmeb-294	142	4	the	the	DET
ajbmeb-294	142	5	basis	basis	NOUN
ajbmeb-294	142	6	(	(	PUNCT
ajbmeb-294	142	7	dilworth	dilworth	NOUN
ajbmeb-294	142	8	,	,	PUNCT
ajbmeb-294	142	9	1996:57	1996:57	NUM
ajbmeb-294	142	10	)	)	PUNCT
ajbmeb-294	142	11	to	to	PART
ajbmeb-294	142	12	achieve	achieve	VERB
ajbmeb-294	142	13	sustainable	sustainable	ADJ
ajbmeb-294	142	14	competitive	competitive	ADJ
ajbmeb-294	142	15	advantage	advantage	NOUN
ajbmeb-294	142	16	for	for	ADP
ajbmeb-294	142	17	banks	bank	NOUN
ajbmeb-294	142	18	through	through	ADP
ajbmeb-294	142	19	rapid	rapid	ADJ
ajbmeb-294	142	20	response	response	NOUN
ajbmeb-294	142	21	that	that	PRON
ajbmeb-294	142	22	occurs	occur	VERB
ajbmeb-294	142	23	in	in	ADP
ajbmeb-294	142	24	service	service	NOUN
ajbmeb-294	142	25	design	design	NOUN
ajbmeb-294	142	26	,	,	PUNCT
ajbmeb-294	142	27	as	as	SCONJ
ajbmeb-294	142	28	this	this	PRON
ajbmeb-294	142	29	generally	generally	ADV
ajbmeb-294	142	30	reflects	reflect	VERB
ajbmeb-294	142	31	the	the	DET
ajbmeb-294	142	32	ability	ability	NOUN
ajbmeb-294	142	33	(	(	PUNCT
ajbmeb-294	142	34	ability	ability	NOUN
ajbmeb-294	142	35	)	)	PUNCT
ajbmeb-294	142	36	to	to	PART
ajbmeb-294	142	37	adapt	adapt	VERB
ajbmeb-294	142	38	to	to	ADP
ajbmeb-294	142	39	a	a	DET
ajbmeb-294	142	40	wide	wide	ADJ
ajbmeb-294	142	41	range	range	NOUN
ajbmeb-294	142	42	of	of	ADP
ajbmeb-294	142	43	potential	potential	ADJ
ajbmeb-294	142	44	environments	environment	NOUN
ajbmeb-294	142	45	.	.	PUNCT
ajbmeb-294	143	1	3	3	NUM
ajbmeb-294	143	2	delivery	delivery	NOUN
ajbmeb-294	143	3	:	:	PUNCT
ajbmeb-294	143	4	in	in	ADP
ajbmeb-294	143	5	light	light	NOUN
ajbmeb-294	143	6	of	of	ADP
ajbmeb-294	143	7	the	the	DET
ajbmeb-294	143	8	increasing	increase	VERB
ajbmeb-294	143	9	importance	importance	NOUN
ajbmeb-294	143	10	of	of	ADP
ajbmeb-294	143	11	time	time	NOUN
ajbmeb-294	143	12	for	for	ADP
ajbmeb-294	143	13	the	the	DET
ajbmeb-294	143	14	customer	customer	NOUN
ajbmeb-294	143	15	,	,	PUNCT
ajbmeb-294	143	16	this	this	DET
ajbmeb-294	143	17	dimension	dimension	NOUN
ajbmeb-294	143	18	has	have	AUX
ajbmeb-294	143	19	become	become	VERB
ajbmeb-294	143	20	a	a	DET
ajbmeb-294	143	21	competitive	competitive	ADJ
ajbmeb-294	143	22	dimension	dimension	NOUN
ajbmeb-294	143	23	and	and	CCONJ
ajbmeb-294	143	24	a	a	DET
ajbmeb-294	143	25	form	form	NOUN
ajbmeb-294	143	26	of	of	ADP
ajbmeb-294	143	27	organization	organization	NOUN
ajbmeb-294	143	28	differentiation	differentiation	NOUN
ajbmeb-294	143	29	,	,	PUNCT
ajbmeb-294	143	30	which	which	PRON
ajbmeb-294	143	31	is	be	AUX
ajbmeb-294	143	32	the	the	DET
ajbmeb-294	143	33	customer	customer	NOUN
ajbmeb-294	143	34	response	response	NOUN
ajbmeb-294	143	35	time	time	NOUN
ajbmeb-294	143	36	,	,	PUNCT
ajbmeb-294	143	37	which	which	PRON
ajbmeb-294	143	38	is	be	AUX
ajbmeb-294	143	39	the	the	DET
ajbmeb-294	143	40	time	time	NOUN
ajbmeb-294	143	41	taken	take	VERB
ajbmeb-294	143	42	for	for	ADP
ajbmeb-294	143	43	the	the	DET
ajbmeb-294	143	44	commodity	commodity	NOUN
ajbmeb-294	143	45	until	until	ADP
ajbmeb-294	143	46	its	its	PRON
ajbmeb-294	143	47	delivery	delivery	NOUN
ajbmeb-294	143	48	or	or	CCONJ
ajbmeb-294	143	49	service	service	NOUN
ajbmeb-294	143	50	until	until	ADP
ajbmeb-294	143	51	its	its	PRON
ajbmeb-294	143	52	performance	performance	NOUN
ajbmeb-294	143	53	(	(	PUNCT
ajbmeb-294	143	54	hill	hill	PROPN
ajbmeb-294	143	55	&	&	CCONJ
ajbmeb-294	143	56	jones	jones	PROPN
ajbmeb-294	143	57	,	,	PUNCT
ajbmeb-294	143	58	2001:132	2001:132	PROPN
ajbmeb-294	143	59	)	)	PUNCT
ajbmeb-294	143	60	.	.	PUNCT
ajbmeb-294	144	1	and	and	CCONJ
ajbmeb-294	144	2	(	(	PUNCT
ajbmeb-294	144	3	kotler	kotler	NOUN
ajbmeb-294	144	4	,	,	PUNCT
ajbmeb-294	144	5	2000:222	2000:222	NOUN
ajbmeb-294	144	6	)	)	PUNCT
ajbmeb-294	144	7	defined	define	VERB
ajbmeb-294	144	8	delivery	delivery	NOUN
ajbmeb-294	144	9	as	as	ADP
ajbmeb-294	144	10	the	the	DET
ajbmeb-294	144	11	best	good	ADJ
ajbmeb-294	144	12	way	way	NOUN
ajbmeb-294	144	13	to	to	PART
ajbmeb-294	144	14	deliver	deliver	VERB
ajbmeb-294	144	15	the	the	DET
ajbmeb-294	144	16	service	service	NOUN
ajbmeb-294	144	17	to	to	ADP
ajbmeb-294	144	18	the	the	DET
ajbmeb-294	144	19	customer	customer	NOUN
ajbmeb-294	144	20	and	and	CCONJ
ajbmeb-294	144	21	includes	include	VERB
ajbmeb-294	144	22	speed	speed	NOUN
ajbmeb-294	144	23	and	and	CCONJ
ajbmeb-294	144	24	accuracy	accuracy	NOUN
ajbmeb-294	144	25	in	in	ADP
ajbmeb-294	144	26	the	the	DET
ajbmeb-294	144	27	delivery	delivery	NOUN
ajbmeb-294	144	28	process	process	NOUN
ajbmeb-294	144	29	.	.	PUNCT
ajbmeb-294	145	1	as	as	ADP
ajbmeb-294	145	2	for	for	ADP
ajbmeb-294	145	3	(	(	PUNCT
ajbmeb-294	145	4	mohsen	mohsen	PROPN
ajbmeb-294	145	5	and	and	CCONJ
ajbmeb-294	145	6	al	al	PROPN
ajbmeb-294	145	7	-	-	PUNCT
ajbmeb-294	145	8	najjar	najjar	PROPN
ajbmeb-294	145	9	,	,	PUNCT
ajbmeb-294	145	10	2004	2004	NUM
ajbmeb-294	145	11	:	:	PUNCT
ajbmeb-294	145	12	35	35	NUM
ajbmeb-294	145	13	)	)	PUNCT
ajbmeb-294	145	14	,	,	PUNCT
ajbmeb-294	145	15	they	they	PRON
ajbmeb-294	145	16	indicated	indicate	VERB
ajbmeb-294	145	17	the	the	DET
ajbmeb-294	145	18	ability	ability	NOUN
ajbmeb-294	145	19	of	of	ADP
ajbmeb-294	145	20	operations	operation	NOUN
ajbmeb-294	145	21	management	management	NOUN
ajbmeb-294	145	22	in	in	ADP
ajbmeb-294	145	23	organizations	organization	NOUN
ajbmeb-294	145	24	to	to	PART
ajbmeb-294	145	25	meet	meet	VERB
ajbmeb-294	145	26	the	the	DET
ajbmeb-294	145	27	requirements	requirement	NOUN
ajbmeb-294	145	28	of	of	ADP
ajbmeb-294	145	29	providing	provide	VERB
ajbmeb-294	145	30	service	service	NOUN
ajbmeb-294	145	31	to	to	ADP
ajbmeb-294	145	32	consumers	consumer	NOUN
ajbmeb-294	145	33	.	.	PUNCT
ajbmeb-294	146	1	the	the	DET
ajbmeb-294	146	2	efficiency	efficiency	NOUN
ajbmeb-294	146	3	of	of	ADP
ajbmeb-294	146	4	processing	processing	NOUN
ajbmeb-294	146	5	is	be	AUX
ajbmeb-294	146	6	measured	measure	VERB
ajbmeb-294	146	7	by	by	ADP
ajbmeb-294	146	8	the	the	DET
ajbmeb-294	146	9	degree	degree	NOUN
ajbmeb-294	146	10	of	of	ADP
ajbmeb-294	146	11	adherence	adherence	NOUN
ajbmeb-294	146	12	to	to	ADP
ajbmeb-294	146	13	the	the	DET
ajbmeb-294	146	14	established	establish	VERB
ajbmeb-294	146	15	delivery	delivery	NOUN
ajbmeb-294	146	16	dates	date	NOUN
ajbmeb-294	146	17	.	.	PUNCT
ajbmeb-294	147	1	4	4	NUM
ajbmeb-294	147	2	creativity	creativity	NOUN
ajbmeb-294	147	3	:	:	PUNCT
ajbmeb-294	147	4	the	the	DET
ajbmeb-294	147	5	creativity	creativity	NOUN
ajbmeb-294	147	6	process	process	NOUN
ajbmeb-294	147	7	requires	require	VERB
ajbmeb-294	147	8	cooperation	cooperation	NOUN
ajbmeb-294	147	9	between	between	ADP
ajbmeb-294	147	10	a	a	DET
ajbmeb-294	147	11	number	number	NOUN
ajbmeb-294	147	12	of	of	ADP
ajbmeb-294	147	13	overlapping	overlap	VERB
ajbmeb-294	147	14	operations	operation	NOUN
ajbmeb-294	147	15	in	in	ADP
ajbmeb-294	147	16	the	the	DET
ajbmeb-294	147	17	bank	bank	NOUN
ajbmeb-294	147	18	in	in	ADP
ajbmeb-294	147	19	order	order	NOUN
ajbmeb-294	147	20	to	to	PART
ajbmeb-294	147	21	use	use	VERB
ajbmeb-294	147	22	and	and	CCONJ
ajbmeb-294	147	23	adopt	adopt	VERB
ajbmeb-294	147	24	new	new	ADJ
ajbmeb-294	147	25	ideas	idea	NOUN
ajbmeb-294	147	26	and	and	CCONJ
ajbmeb-294	147	27	technical	technical	ADJ
ajbmeb-294	147	28	developments	development	NOUN
ajbmeb-294	147	29	by	by	ADP
ajbmeb-294	147	30	adopting	adopt	VERB
ajbmeb-294	147	31	scientific	scientific	ADJ
ajbmeb-294	147	32	methods	method	NOUN
ajbmeb-294	147	33	for	for	ADP
ajbmeb-294	147	34	the	the	DET
ajbmeb-294	147	35	purpose	purpose	NOUN
ajbmeb-294	147	36	of	of	ADP
ajbmeb-294	147	37	providing	provide	VERB
ajbmeb-294	147	38	a	a	DET
ajbmeb-294	147	39	new	new	ADJ
ajbmeb-294	147	40	banking	banking	NOUN
ajbmeb-294	147	41	service	service	NOUN
ajbmeb-294	147	42	for	for	ADP
ajbmeb-294	147	43	the	the	DET
ajbmeb-294	147	44	bank	bank	NOUN
ajbmeb-294	147	45	,	,	PUNCT
ajbmeb-294	147	46	in	in	ADP
ajbmeb-294	147	47	order	order	NOUN
ajbmeb-294	147	48	to	to	PART
ajbmeb-294	147	49	design	design	VERB
ajbmeb-294	147	50	a	a	DET
ajbmeb-294	147	51	new	new	ADJ
ajbmeb-294	147	52	service	service	NOUN
ajbmeb-294	147	53	production	production	NOUN
ajbmeb-294	147	54	process	process	NOUN
ajbmeb-294	147	55	,	,	PUNCT
ajbmeb-294	147	56	or	or	CCONJ
ajbmeb-294	147	57	to	to	PART
ajbmeb-294	147	58	improve	improve	VERB
ajbmeb-294	147	59	it	it	PRON
ajbmeb-294	147	60	for	for	ADP
ajbmeb-294	147	61	the	the	DET
ajbmeb-294	147	62	purpose	purpose	NOUN
ajbmeb-294	147	63	of	of	ADP
ajbmeb-294	147	64	achieving	achieve	VERB
ajbmeb-294	147	65	the	the	DET
ajbmeb-294	147	66	bank	bank	NOUN
ajbmeb-294	147	67	’s	’s	PART
ajbmeb-294	147	68	goals	goal	NOUN
ajbmeb-294	147	69	of	of	ADP
ajbmeb-294	147	70	survival	survival	NOUN
ajbmeb-294	147	71	and	and	CCONJ
ajbmeb-294	147	72	growth	growth	NOUN
ajbmeb-294	147	73	and	and	CCONJ
ajbmeb-294	147	74	making	make	VERB
ajbmeb-294	147	75	it	it	PRON
ajbmeb-294	147	76	more	more	ADV
ajbmeb-294	147	77	capable	capable	ADJ
ajbmeb-294	147	78	on	on	ADP
ajbmeb-294	147	79	competition	competition	NOUN
ajbmeb-294	147	80	(	(	PUNCT
ajbmeb-294	147	81	al	al	PROPN
ajbmeb-294	147	82	-	-	PUNCT
ajbmeb-294	147	83	taweel	taweel	NOUN
ajbmeb-294	147	84	and	and	CCONJ
ajbmeb-294	147	85	ismail	ismail	NOUN
ajbmeb-294	147	86	,	,	PUNCT
ajbmeb-294	147	87	83:2008	83:2008	NUM
ajbmeb-294	147	88	)	)	PUNCT
ajbmeb-294	147	89	,	,	PUNCT
ajbmeb-294	147	90	creativity	creativity	NOUN
ajbmeb-294	147	91	is	be	AUX
ajbmeb-294	147	92	considered	consider	VERB
ajbmeb-294	147	93	one	one	NUM
ajbmeb-294	147	94	of	of	ADP
ajbmeb-294	147	95	the	the	DET
ajbmeb-294	147	96	important	important	ADJ
ajbmeb-294	147	97	matters	matter	NOUN
ajbmeb-294	147	98	for	for	ADP
ajbmeb-294	147	99	all	all	DET
ajbmeb-294	147	100	institutions	institution	NOUN
ajbmeb-294	147	101	that	that	PRON
ajbmeb-294	147	102	face	face	VERB
ajbmeb-294	147	103	a	a	DET
ajbmeb-294	147	104	changing	change	VERB
ajbmeb-294	147	105	and	and	CCONJ
ajbmeb-294	147	106	complex	complex	ADJ
ajbmeb-294	147	107	environment	environment	NOUN
ajbmeb-294	147	108	.	.	PUNCT
ajbmeb-294	148	1	it	it	PRON
ajbmeb-294	148	2	has	have	AUX
ajbmeb-294	148	3	become	become	VERB
ajbmeb-294	148	4	necessary	necessary	ADJ
ajbmeb-294	148	5	to	to	PART
ajbmeb-294	148	6	focus	focus	VERB
ajbmeb-294	148	7	on	on	ADP
ajbmeb-294	148	8	it	it	PRON
ajbmeb-294	148	9	and	and	CCONJ
ajbmeb-294	148	10	it	it	PRON
ajbmeb-294	148	11	has	have	AUX
ajbmeb-294	148	12	become	become	VERB
ajbmeb-294	148	13	at	at	ADP
ajbmeb-294	148	14	the	the	DET
ajbmeb-294	148	15	forefront	forefront	NOUN
ajbmeb-294	148	16	of	of	ADP
ajbmeb-294	148	17	the	the	DET
ajbmeb-294	148	18	goals	goal	NOUN
ajbmeb-294	148	19	that	that	PRON
ajbmeb-294	148	20	many	many	ADJ
ajbmeb-294	148	21	banks	bank	NOUN
ajbmeb-294	148	22	seek	seek	VERB
ajbmeb-294	148	23	to	to	PART
ajbmeb-294	148	24	develop	develop	VERB
ajbmeb-294	148	25	and	and	CCONJ
ajbmeb-294	148	26	provide	provide	VERB
ajbmeb-294	148	27	services	service	NOUN
ajbmeb-294	148	28	with	with	ADP
ajbmeb-294	148	29	a	a	DET
ajbmeb-294	148	30	sustainable	sustainable	ADJ
ajbmeb-294	148	31	competitive	competitive	ADJ
ajbmeb-294	148	32	advantage	advantage	NOUN
ajbmeb-294	148	33	.	.	PUNCT
ajbmeb-294	149	1	the	the	DET
ajbmeb-294	149	2	importance	importance	NOUN
ajbmeb-294	149	3	of	of	ADP
ajbmeb-294	149	4	creativity	creativity	NOUN
ajbmeb-294	149	5	has	have	AUX
ajbmeb-294	149	6	increased	increase	VERB
ajbmeb-294	149	7	in	in	ADP
ajbmeb-294	149	8	light	light	NOUN
ajbmeb-294	149	9	of	of	ADP
ajbmeb-294	149	10	the	the	DET
ajbmeb-294	149	11	increasing	increase	VERB
ajbmeb-294	149	12	strength	strength	NOUN
ajbmeb-294	149	13	of	of	ADP
ajbmeb-294	149	14	competition	competition	NOUN
ajbmeb-294	149	15	between	between	ADP
ajbmeb-294	149	16	organizations	organization	NOUN
ajbmeb-294	149	17	in	in	ADP
ajbmeb-294	149	18	different	different	ADJ
ajbmeb-294	149	19	sectors	sector	NOUN
ajbmeb-294	149	20	and	and	CCONJ
ajbmeb-294	149	21	to	to	PART
ajbmeb-294	149	22	avoid	avoid	VERB
ajbmeb-294	149	23	the	the	DET
ajbmeb-294	149	24	risk	risk	NOUN
ajbmeb-294	149	25	of	of	ADP
ajbmeb-294	149	26	disappearance	disappearance	NOUN
ajbmeb-294	149	27	(	(	PUNCT
ajbmeb-294	149	28	qandil	qandil	ADJ
ajbmeb-294	149	29	,	,	PUNCT
ajbmeb-294	149	30	2010	2010	NUM
ajbmeb-294	149	31	:	:	PUNCT
ajbmeb-294	149	32	43	43	NUM
ajbmeb-294	149	33	)	)	PUNCT
ajbmeb-294	149	34	.	.	PUNCT
ajbmeb-294	150	1	the	the	DET
ajbmeb-294	150	2	practical	practical	ADJ
ajbmeb-294	150	3	side	side	NOUN
ajbmeb-294	150	4	:	:	PUNCT
ajbmeb-294	150	5	(	(	PUNCT
ajbmeb-294	150	6	statistical	statistical	ADJ
ajbmeb-294	150	7	analysis	analysis	NOUN
ajbmeb-294	150	8	and	and	CCONJ
ajbmeb-294	150	9	hypothesis	hypothesis	NOUN
ajbmeb-294	150	10	testing	testing	NOUN
ajbmeb-294	150	11	)	)	PUNCT
ajbmeb-294	150	12	this	this	DET
ajbmeb-294	150	13	chapter	chapter	NOUN
ajbmeb-294	150	14	reviews	review	VERB
ajbmeb-294	150	15	the	the	DET
ajbmeb-294	150	16	results	result	NOUN
ajbmeb-294	150	17	of	of	ADP
ajbmeb-294	150	18	the	the	DET
ajbmeb-294	150	19	statistical	statistical	ADJ
ajbmeb-294	150	20	analysis	analysis	NOUN
ajbmeb-294	150	21	of	of	ADP
ajbmeb-294	150	22	the	the	DET
ajbmeb-294	150	23	response	response	NOUN
ajbmeb-294	150	24	of	of	ADP
ajbmeb-294	150	25	the	the	DET
ajbmeb-294	150	26	study	study	NOUN
ajbmeb-294	150	27	sample	sample	NOUN
ajbmeb-294	150	28	to	to	ADP
ajbmeb-294	150	29	the	the	DET
ajbmeb-294	150	30	variables	variable	NOUN
ajbmeb-294	150	31	in	in	ADP
ajbmeb-294	150	32	which	which	PRON
ajbmeb-294	150	33	it	it	PRON
ajbmeb-294	150	34	was	be	AUX
ajbmeb-294	150	35	adopted	adopt	VERB
ajbmeb-294	150	36	by	by	ADP
ajbmeb-294	150	37	presenting	present	VERB
ajbmeb-294	150	38	their	their	PRON
ajbmeb-294	150	39	answers	answer	NOUN
ajbmeb-294	150	40	represented	represent	VERB
ajbmeb-294	150	41	in	in	ADP
ajbmeb-294	150	42	the	the	DET
ajbmeb-294	150	43	arithmetic	arithmetic	ADJ
ajbmeb-294	150	44	means	mean	NOUN
ajbmeb-294	150	45	and	and	CCONJ
ajbmeb-294	150	46	standard	standard	ADJ
ajbmeb-294	150	47	deviations	deviation	NOUN
ajbmeb-294	150	48	for	for	ADP
ajbmeb-294	150	49	all	all	DET
ajbmeb-294	150	50	the	the	DET
ajbmeb-294	150	51	study	study	NOUN
ajbmeb-294	150	52	variables	variable	VERB
ajbmeb-294	150	53	.	.	PUNCT
ajbmeb-294	151	1	the	the	DET
ajbmeb-294	151	2	chapter	chapter	NOUN
ajbmeb-294	151	3	also	also	ADV
ajbmeb-294	151	4	deals	deal	VERB
ajbmeb-294	151	5	with	with	ADP
ajbmeb-294	151	6	testing	test	VERB
ajbmeb-294	151	7	the	the	DET
ajbmeb-294	151	8	study	study	NOUN
ajbmeb-294	151	9	hypotheses	hypothesis	NOUN
ajbmeb-294	151	10	for	for	ADP
ajbmeb-294	151	11	each	each	PRON
ajbmeb-294	151	12	of	of	ADP
ajbmeb-294	151	13	them	they	PRON
ajbmeb-294	151	14	.	.	PUNCT
ajbmeb-294	152	1	first	first	ADV
ajbmeb-294	152	2	:	:	PUNCT
ajbmeb-294	152	3	analyzing	analyze	VERB
ajbmeb-294	152	4	the	the	DET
ajbmeb-294	152	5	study	study	NOUN
ajbmeb-294	152	6	data	datum	NOUN
ajbmeb-294	152	7	1	1	NUM
ajbmeb-294	152	8	the	the	DET
ajbmeb-294	152	9	dimensions	dimension	NOUN
ajbmeb-294	152	10	of	of	ADP
ajbmeb-294	152	11	the	the	DET
ajbmeb-294	152	12	independent	independent	ADJ
ajbmeb-294	152	13	variable	variable	NOUN
ajbmeb-294	152	14	,	,	PUNCT
ajbmeb-294	152	15	the	the	DET
ajbmeb-294	152	16	target	target	NOUN
ajbmeb-294	152	17	cost	cost	NOUN
ajbmeb-294	152	18	:	:	PUNCT
ajbmeb-294	152	19	to	to	PART
ajbmeb-294	152	20	describe	describe	VERB
ajbmeb-294	152	21	and	and	CCONJ
ajbmeb-294	152	22	analyze	analyze	VERB
ajbmeb-294	152	23	the	the	DET
ajbmeb-294	152	24	dimensions	dimension	NOUN
ajbmeb-294	152	25	of	of	ADP
ajbmeb-294	152	26	the	the	DET
ajbmeb-294	152	27	target	target	NOUN
ajbmeb-294	152	28	cost	cost	NOUN
ajbmeb-294	152	29	represented	represent	VERB
ajbmeb-294	152	30	in	in	ADP
ajbmeb-294	152	31	pricing	pricing	NOUN
ajbmeb-294	152	32	banking	banking	NOUN
ajbmeb-294	152	33	services	service	NOUN
ajbmeb-294	152	34	,	,	PUNCT
ajbmeb-294	152	35	profitability	profitability	NOUN
ajbmeb-294	152	36	,	,	PUNCT
ajbmeb-294	152	37	attracting	attract	VERB
ajbmeb-294	152	38	new	new	ADJ
ajbmeb-294	152	39	customers	customer	NOUN
ajbmeb-294	152	40	and	and	CCONJ
ajbmeb-294	152	41	maintaining	maintain	VERB
ajbmeb-294	152	42	existing	exist	VERB
ajbmeb-294	152	43	customers	customer	NOUN
ajbmeb-294	152	44	,	,	PUNCT
ajbmeb-294	152	45	the	the	DET
ajbmeb-294	152	46	researcher	researcher	NOUN
ajbmeb-294	152	47	resorted	resort	VERB
ajbmeb-294	152	48	to	to	ADP
ajbmeb-294	152	49	using	use	VERB
ajbmeb-294	152	50	arithmetic	arithmetic	ADJ
ajbmeb-294	152	51	means	mean	NOUN
ajbmeb-294	152	52	and	and	CCONJ
ajbmeb-294	152	53	standard	standard	ADJ
ajbmeb-294	152	54	deviations	deviation	NOUN
ajbmeb-294	152	55	to	to	PART
ajbmeb-294	152	56	verify	verify	VERB
ajbmeb-294	152	57	the	the	DET
ajbmeb-294	152	58	significance	significance	NOUN
ajbmeb-294	152	59	of	of	ADP
ajbmeb-294	152	60	the	the	DET
ajbmeb-294	152	61	paragraphs	paragraph	NOUN
ajbmeb-294	152	62	and	and	CCONJ
ajbmeb-294	152	63	the	the	DET
ajbmeb-294	152	64	importance	importance	NOUN
ajbmeb-294	152	65	of	of	ADP
ajbmeb-294	152	66	each	each	DET
ajbmeb-294	152	67	paragraph	paragraph	NOUN
ajbmeb-294	152	68	,	,	PUNCT
ajbmeb-294	152	69	as	as	SCONJ
ajbmeb-294	152	70	shown	show	VERB
ajbmeb-294	152	71	in	in	ADP
ajbmeb-294	152	72	tables	table	NOUN
ajbmeb-294	152	73	no	no	INTJ
ajbmeb-294	152	74	.	.	PUNCT
ajbmeb-294	153	1	(	(	PUNCT
ajbmeb-294	153	2	1	1	NUM
ajbmeb-294	153	3	)	)	PUNCT
ajbmeb-294	153	4	,	,	PUNCT
ajbmeb-294	153	5	(	(	PUNCT
ajbmeb-294	153	6	2	2	NUM
ajbmeb-294	153	7	)	)	PUNCT
ajbmeb-294	153	8	,	,	PUNCT
ajbmeb-294	153	9	(	(	PUNCT
ajbmeb-294	153	10	3	3	NUM
ajbmeb-294	153	11	)	)	PUNCT
ajbmeb-294	153	12	,	,	PUNCT
ajbmeb-294	153	13	pertaining	pertain	VERB
ajbmeb-294	153	14	to	to	ADP
ajbmeb-294	153	15	all	all	DET
ajbmeb-294	153	16	sub	sub	NOUN
ajbmeb-294	153	17	-	-	NOUN
ajbmeb-294	153	18	variables	variable	NOUN
ajbmeb-294	153	19	of	of	ADP
ajbmeb-294	153	20	the	the	DET
ajbmeb-294	153	21	independent	independent	ADJ
ajbmeb-294	153	22	variable	variable	NOUN
ajbmeb-294	153	23	,	,	PUNCT
ajbmeb-294	153	24	the	the	DET
ajbmeb-294	153	25	target	target	NOUN
ajbmeb-294	153	26	cost	cost	NOUN
ajbmeb-294	153	27	,	,	PUNCT
ajbmeb-294	153	28	and	and	CCONJ
ajbmeb-294	153	29	the	the	DET
ajbmeb-294	153	30	following	follow	VERB
ajbmeb-294	153	31	tables	table	NOUN
ajbmeb-294	153	32	show	show	VERB
ajbmeb-294	153	33	the	the	DET
ajbmeb-294	153	34	order	order	NOUN
ajbmeb-294	153	35	of	of	ADP
ajbmeb-294	153	36	the	the	DET
ajbmeb-294	153	37	study	study	NOUN
ajbmeb-294	153	38	paragraphs	paragraph	NOUN
ajbmeb-294	153	39	according	accord	VERB
ajbmeb-294	153	40	to	to	ADP
ajbmeb-294	153	41	their	their	PRON
ajbmeb-294	153	42	importance	importance	NOUN
ajbmeb-294	153	43	from	from	ADP
ajbmeb-294	153	44	the	the	DET
ajbmeb-294	153	45	point	point	NOUN
ajbmeb-294	153	46	of	of	ADP
ajbmeb-294	153	47	view	view	NOUN
ajbmeb-294	153	48	of	of	ADP
ajbmeb-294	153	49	customers	customer	NOUN
ajbmeb-294	153	50	dealing	deal	VERB
ajbmeb-294	153	51	in	in	ADP
ajbmeb-294	153	52	financial	financial	ADJ
ajbmeb-294	153	53	operations	operation	NOUN
ajbmeb-294	153	54	in	in	ADP
ajbmeb-294	153	55	banks	bank	NOUN
ajbmeb-294	153	56	,	,	PUNCT
ajbmeb-294	153	57	as	as	SCONJ
ajbmeb-294	153	58	follows	follow	VERB
ajbmeb-294	153	59	:	:	PUNCT
ajbmeb-294	153	60	american	american	PROPN
ajbmeb-294	153	61	journal	journal	PROPN
ajbmeb-294	153	62	of	of	ADP
ajbmeb-294	153	63	business	business	NOUN
ajbmeb-294	153	64	management	management	NOUN
ajbmeb-294	153	65	,	,	PUNCT
ajbmeb-294	153	66	economics	economic	NOUN
ajbmeb-294	153	67	and	and	CCONJ
ajbmeb-294	153	68	banking	banking	NOUN
ajbmeb-294	153	69	volume	volume	NOUN
ajbmeb-294	153	70	8	8	NUM
ajbmeb-294	153	71	,	,	PUNCT
ajbmeb-294	153	72	jan	jan	PROPN
ajbmeb-294	153	73	.	.	PROPN
ajbmeb-294	153	74	,	,	PUNCT
ajbmeb-294	153	75	2023	2023	NUM
ajbmeb-294	153	76	p	p	NOUN
ajbmeb-294	153	77	a	a	PRON
ajbmeb-294	153	78	g	g	NOUN
ajbmeb-294	153	79	e	e	NOUN
ajbmeb-294	153	80	|	|	ADV
ajbmeb-294	153	81	29	29	NUM
ajbmeb-294	153	82	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	153	83	a	a	DET
ajbmeb-294	153	84	the	the	DET
ajbmeb-294	153	85	answers	answer	NOUN
ajbmeb-294	153	86	of	of	ADP
ajbmeb-294	153	87	the	the	DET
ajbmeb-294	153	88	study	study	NOUN
ajbmeb-294	153	89	sample	sample	NOUN
ajbmeb-294	153	90	to	to	ADP
ajbmeb-294	153	91	the	the	DET
ajbmeb-294	153	92	paragraphs	paragraph	NOUN
ajbmeb-294	153	93	of	of	ADP
ajbmeb-294	153	94	the	the	DET
ajbmeb-294	153	95	study	study	NOUN
ajbmeb-294	153	96	tool	tool	NOUN
ajbmeb-294	153	97	related	relate	VERB
ajbmeb-294	153	98	to	to	ADP
ajbmeb-294	153	99	the	the	DET
ajbmeb-294	153	100	banking	banking	NOUN
ajbmeb-294	153	101	services	service	NOUN
ajbmeb-294	153	102	pricing	pricing	NOUN
ajbmeb-294	153	103	variable	variable	NOUN
ajbmeb-294	153	104	:	:	PUNCT
ajbmeb-294	153	105	table	table	NOUN
ajbmeb-294	153	106	no	no	INTJ
ajbmeb-294	153	107	.	.	PUNCT
ajbmeb-294	154	1	(	(	PUNCT
ajbmeb-294	154	2	1	1	X
ajbmeb-294	154	3	)	)	PUNCT
ajbmeb-294	154	4	the	the	DET
ajbmeb-294	154	5	mathematical	mathematical	ADJ
ajbmeb-294	154	6	mean	mean	NOUN
ajbmeb-294	154	7	and	and	CCONJ
ajbmeb-294	154	8	standard	standard	ADJ
ajbmeb-294	154	9	deviation	deviation	NOUN
ajbmeb-294	154	10	of	of	ADP
ajbmeb-294	154	11	the	the	DET
ajbmeb-294	154	12	pricing	pricing	NOUN
ajbmeb-294	154	13	variable	variable	NOUN
ajbmeb-294	154	14	for	for	ADP
ajbmeb-294	154	15	banking	banking	NOUN
ajbmeb-294	154	16	services	service	NOUN
ajbmeb-294	154	17	service	service	NOUN
ajbmeb-294	154	18	pricing	price	VERB
ajbmeb-294	154	19	variable	variable	ADJ
ajbmeb-294	154	20	paragraphs	paragraph	NOUN
ajbmeb-294	154	21	arithmetic	arithmetic	ADJ
ajbmeb-294	154	22	average	average	ADJ
ajbmeb-294	154	23	standard	standard	ADJ
ajbmeb-294	154	24	deviation	deviation	NOUN
ajbmeb-294	154	25	significance	significance	NOUN
ajbmeb-294	154	26	level	level	NOUN
ajbmeb-294	154	27	1	1	NUM
ajbmeb-294	154	28	applying	apply	VERB
ajbmeb-294	154	29	the	the	DET
ajbmeb-294	154	30	target	target	NOUN
ajbmeb-294	154	31	costing	cost	VERB
ajbmeb-294	154	32	approach	approach	NOUN
ajbmeb-294	154	33	makes	make	VERB
ajbmeb-294	154	34	the	the	DET
ajbmeb-294	154	35	bank	bank	NOUN
ajbmeb-294	154	36	competitive	competitive	ADJ
ajbmeb-294	154	37	in	in	ADP
ajbmeb-294	154	38	the	the	DET
ajbmeb-294	154	39	services	service	NOUN
ajbmeb-294	154	40	it	it	PRON
ajbmeb-294	154	41	provides	provide	VERB
ajbmeb-294	154	42	.	.	PUNCT
ajbmeb-294	155	1	3.81	3.81	NUM
ajbmeb-294	155	2	0.880	0.880	NUM
ajbmeb-294	155	3	elevated	elevated	ADJ
ajbmeb-294	155	4	2	2	NUM
ajbmeb-294	155	5	pricing	pricing	NOUN
ajbmeb-294	155	6	through	through	ADP
ajbmeb-294	155	7	target	target	NOUN
ajbmeb-294	155	8	costing	costing	NOUN
ajbmeb-294	155	9	requires	require	VERB
ajbmeb-294	155	10	that	that	SCONJ
ajbmeb-294	155	11	pricing	pricing	NOUN
ajbmeb-294	155	12	decisions	decision	NOUN
ajbmeb-294	155	13	be	be	AUX
ajbmeb-294	155	14	taken	take	VERB
ajbmeb-294	155	15	into	into	ADP
ajbmeb-294	155	16	account	account	NOUN
ajbmeb-294	155	17	.	.	PUNCT
ajbmeb-294	156	1	3.93	3.93	NUM
ajbmeb-294	156	2	0.901	0.901	NUM
ajbmeb-294	156	3	elevated	elevated	ADJ
ajbmeb-294	156	4	3	3	NUM
ajbmeb-294	156	5	target	target	NOUN
ajbmeb-294	156	6	cost	cost	NOUN
ajbmeb-294	156	7	pricing	pricing	NOUN
ajbmeb-294	156	8	for	for	ADP
ajbmeb-294	156	9	banking	banking	NOUN
ajbmeb-294	156	10	services	service	NOUN
ajbmeb-294	156	11	gives	give	VERB
ajbmeb-294	156	12	more	more	ADJ
ajbmeb-294	156	13	flexibility	flexibility	NOUN
ajbmeb-294	156	14	when	when	SCONJ
ajbmeb-294	156	15	using	use	VERB
ajbmeb-294	156	16	competitive	competitive	ADJ
ajbmeb-294	156	17	advantage	advantage	NOUN
ajbmeb-294	156	18	.	.	PUNCT
ajbmeb-294	157	1	3.97	3.97	NUM
ajbmeb-294	157	2	0.873	0.873	NUM
ajbmeb-294	157	3	elevated	elevated	ADJ
ajbmeb-294	157	4	4	4	NUM
ajbmeb-294	157	5	the	the	DET
ajbmeb-294	157	6	target	target	NOUN
ajbmeb-294	157	7	cost	cost	NOUN
ajbmeb-294	157	8	approach	approach	NOUN
ajbmeb-294	157	9	to	to	ADP
ajbmeb-294	157	10	pricing	pricing	NOUN
ajbmeb-294	157	11	helps	help	VERB
ajbmeb-294	157	12	the	the	DET
ajbmeb-294	157	13	bank	bank	NOUN
ajbmeb-294	157	14	get	get	VERB
ajbmeb-294	157	15	a	a	DET
ajbmeb-294	157	16	competitive	competitive	ADJ
ajbmeb-294	157	17	edge	edge	NOUN
ajbmeb-294	157	18	in	in	ADP
ajbmeb-294	157	19	the	the	DET
ajbmeb-294	157	20	price	price	NOUN
ajbmeb-294	157	21	of	of	ADP
ajbmeb-294	157	22	the	the	DET
ajbmeb-294	157	23	services	service	NOUN
ajbmeb-294	157	24	it	it	PRON
ajbmeb-294	157	25	offers	offer	VERB
ajbmeb-294	157	26	by	by	ADP
ajbmeb-294	157	27	excluding	exclude	VERB
ajbmeb-294	157	28	cost	cost	NOUN
ajbmeb-294	157	29	components	component	NOUN
ajbmeb-294	157	30	that	that	PRON
ajbmeb-294	157	31	do	do	AUX
ajbmeb-294	157	32	not	not	PART
ajbmeb-294	157	33	give	give	VERB
ajbmeb-294	157	34	the	the	DET
ajbmeb-294	157	35	client	client	NOUN
ajbmeb-294	157	36	an	an	DET
ajbmeb-294	157	37	advantage	advantage	NOUN
ajbmeb-294	157	38	or	or	CCONJ
ajbmeb-294	157	39	benefit	benefit	NOUN
ajbmeb-294	157	40	.	.	PUNCT
ajbmeb-294	158	1	3.86	3.86	NUM
ajbmeb-294	158	2	0.908	0.908	NUM
ajbmeb-294	158	3	elevated	elevate	VERB
ajbmeb-294	158	4	5	5	NUM
ajbmeb-294	158	5	the	the	DET
ajbmeb-294	158	6	target	target	NOUN
ajbmeb-294	158	7	cost	cost	NOUN
ajbmeb-294	158	8	method	method	NOUN
ajbmeb-294	158	9	to	to	ADP
ajbmeb-294	158	10	pricing	price	VERB
ajbmeb-294	158	11	financial	financial	ADJ
ajbmeb-294	158	12	services	service	NOUN
ajbmeb-294	158	13	is	be	AUX
ajbmeb-294	158	14	more	more	ADV
ajbmeb-294	158	15	equitable	equitable	ADJ
ajbmeb-294	158	16	than	than	ADP
ajbmeb-294	158	17	the	the	DET
ajbmeb-294	158	18	actual	actual	ADJ
ajbmeb-294	158	19	cost	cost	NOUN
ajbmeb-294	158	20	approach	approach	NOUN
ajbmeb-294	158	21	.	.	PUNCT
ajbmeb-294	159	1	4.11	4.11	NUM
ajbmeb-294	159	2	0.908	0.908	NUM
ajbmeb-294	159	3	elevated	elevated	ADJ
ajbmeb-294	159	4	6	6	NUM
ajbmeb-294	159	5	banking	banking	NOUN
ajbmeb-294	159	6	services	service	NOUN
ajbmeb-294	159	7	priced	price	VERB
ajbmeb-294	159	8	according	accord	VERB
ajbmeb-294	159	9	to	to	ADP
ajbmeb-294	159	10	the	the	DET
ajbmeb-294	159	11	target	target	NOUN
ajbmeb-294	159	12	cost	cost	NOUN
ajbmeb-294	159	13	approach	approach	NOUN
ajbmeb-294	159	14	are	be	AUX
ajbmeb-294	159	15	affected	affect	VERB
ajbmeb-294	159	16	by	by	ADP
ajbmeb-294	159	17	competitors	competitor	NOUN
ajbmeb-294	159	18	.	.	PUNCT
ajbmeb-294	160	1	4.15	4.15	NUM
ajbmeb-294	160	2	0.782	0.782	NUM
ajbmeb-294	160	3	elevated	elevated	ADJ
ajbmeb-294	160	4	7	7	NUM
ajbmeb-294	160	5	the	the	DET
ajbmeb-294	160	6	process	process	NOUN
ajbmeb-294	160	7	of	of	ADP
ajbmeb-294	160	8	pricing	pricing	NOUN
ajbmeb-294	160	9	banking	banking	NOUN
ajbmeb-294	160	10	services	service	NOUN
ajbmeb-294	160	11	according	accord	VERB
ajbmeb-294	160	12	to	to	ADP
ajbmeb-294	160	13	the	the	DET
ajbmeb-294	160	14	target	target	NOUN
ajbmeb-294	160	15	cost	cost	NOUN
ajbmeb-294	160	16	approach	approach	NOUN
ajbmeb-294	160	17	is	be	AUX
ajbmeb-294	160	18	influenced	influence	VERB
ajbmeb-294	160	19	by	by	ADP
ajbmeb-294	160	20	competitors	competitor	NOUN
ajbmeb-294	160	21	.	.	PUNCT
ajbmeb-294	161	1	4.00	4.00	NUM
ajbmeb-294	161	2	0.871	0.871	NUM
ajbmeb-294	161	3	elevated	elevate	VERB
ajbmeb-294	161	4	8	8	NUM
ajbmeb-294	161	5	to	to	PART
ajbmeb-294	161	6	build	build	VERB
ajbmeb-294	161	7	a	a	DET
ajbmeb-294	161	8	target	target	NOUN
ajbmeb-294	161	9	cost	cost	NOUN
ajbmeb-294	161	10	approach	approach	NOUN
ajbmeb-294	161	11	in	in	ADP
ajbmeb-294	161	12	pricing	pricing	NOUN
ajbmeb-294	161	13	banking	banking	NOUN
ajbmeb-294	161	14	services	service	NOUN
ajbmeb-294	161	15	that	that	PRON
ajbmeb-294	161	16	generates	generate	VERB
ajbmeb-294	161	17	incentives	incentive	NOUN
ajbmeb-294	161	18	to	to	PART
ajbmeb-294	161	19	improve	improve	VERB
ajbmeb-294	161	20	the	the	DET
ajbmeb-294	161	21	quality	quality	NOUN
ajbmeb-294	161	22	of	of	ADP
ajbmeb-294	161	23	those	those	DET
ajbmeb-294	161	24	services	service	NOUN
ajbmeb-294	161	25	to	to	PART
ajbmeb-294	161	26	increase	increase	VERB
ajbmeb-294	161	27	competition	competition	NOUN
ajbmeb-294	161	28	.	.	PUNCT
ajbmeb-294	162	1	3.73	3.73	NUM
ajbmeb-294	162	2	1.087	1.087	NUM
ajbmeb-294	162	3	elevated	elevated	ADJ
ajbmeb-294	162	4	9	9	NUM
ajbmeb-294	162	5	following	follow	VERB
ajbmeb-294	162	6	the	the	DET
ajbmeb-294	162	7	target	target	NOUN
ajbmeb-294	162	8	cost	cost	NOUN
ajbmeb-294	162	9	approach	approach	NOUN
ajbmeb-294	162	10	makes	make	VERB
ajbmeb-294	162	11	the	the	DET
ajbmeb-294	162	12	bank	bank	NOUN
ajbmeb-294	162	13	's	's	PART
ajbmeb-294	162	14	management	management	NOUN
ajbmeb-294	162	15	interested	interested	ADJ
ajbmeb-294	162	16	in	in	ADP
ajbmeb-294	162	17	developing	develop	VERB
ajbmeb-294	162	18	its	its	PRON
ajbmeb-294	162	19	performance	performance	NOUN
ajbmeb-294	162	20	and	and	CCONJ
ajbmeb-294	162	21	improving	improve	VERB
ajbmeb-294	162	22	its	its	PRON
ajbmeb-294	162	23	services	service	NOUN
ajbmeb-294	162	24	.	.	PUNCT
ajbmeb-294	163	1	3.92	3.92	NUM
ajbmeb-294	163	2	0.778	0.778	NUM
ajbmeb-294	163	3	elevated	elevate	VERB
ajbmeb-294	163	4	10	10	NUM
ajbmeb-294	163	5	banking	banking	NOUN
ajbmeb-294	163	6	services	service	NOUN
ajbmeb-294	163	7	in	in	ADP
ajbmeb-294	163	8	a	a	DET
ajbmeb-294	163	9	bank	bank	NOUN
ajbmeb-294	163	10	are	be	AUX
ajbmeb-294	163	11	priced	price	VERB
ajbmeb-294	163	12	on	on	ADP
ajbmeb-294	163	13	a	a	DET
ajbmeb-294	163	14	cost	cost	NOUN
ajbmeb-294	163	15	basis	basis	NOUN
ajbmeb-294	163	16	rather	rather	ADV
ajbmeb-294	163	17	than	than	ADP
ajbmeb-294	163	18	supply	supply	NOUN
ajbmeb-294	163	19	and	and	CCONJ
ajbmeb-294	163	20	demand	demand	NOUN
ajbmeb-294	163	21	.	.	PUNCT
ajbmeb-294	164	1	3.71	3.71	NUM
ajbmeb-294	164	2	0.897	0.897	NUM
ajbmeb-294	164	3	elevated	elevated	ADJ
ajbmeb-294	164	4	total	total	NOUN
ajbmeb-294	164	5	3.91	3.91	NUM
ajbmeb-294	164	6	0.586	0.586	NUM
ajbmeb-294	164	7	source	source	NOUN
ajbmeb-294	164	8	:	:	PUNCT
ajbmeb-294	164	9	using	use	VERB
ajbmeb-294	164	10	the	the	DET
ajbmeb-294	164	11	statistical	statistical	ADJ
ajbmeb-294	164	12	program	program	NOUN
ajbmeb-294	164	13	(	(	PUNCT
ajbmeb-294	164	14	spss	spss	PROPN
ajbmeb-294	164	15	)	)	PUNCT
ajbmeb-294	164	16	and	and	CCONJ
ajbmeb-294	164	17	(	(	PUNCT
ajbmeb-294	164	18	excel	excel	PROPN
ajbmeb-294	164	19	)	)	PUNCT
ajbmeb-294	164	20	.	.	PUNCT
ajbmeb-294	165	1	table	table	NOUN
ajbmeb-294	165	2	no	no	INTJ
ajbmeb-294	165	3	.	.	PUNCT
ajbmeb-294	166	1	(	(	PUNCT
ajbmeb-294	166	2	1	1	X
ajbmeb-294	166	3	)	)	PUNCT
ajbmeb-294	166	4	indicates	indicate	VERB
ajbmeb-294	166	5	the	the	DET
ajbmeb-294	166	6	respondents	respondent	NOUN
ajbmeb-294	166	7	'	'	PART
ajbmeb-294	166	8	answers	answer	NOUN
ajbmeb-294	166	9	to	to	ADP
ajbmeb-294	166	10	the	the	DET
ajbmeb-294	166	11	paragraphs	paragraph	NOUN
ajbmeb-294	166	12	related	relate	VERB
ajbmeb-294	166	13	to	to	ADP
ajbmeb-294	166	14	the	the	DET
ajbmeb-294	166	15	sub	sub	NOUN
ajbmeb-294	166	16	-	-	ADJ
ajbmeb-294	166	17	variable	variable	ADJ
ajbmeb-294	166	18	,	,	PUNCT
ajbmeb-294	166	19	which	which	PRON
ajbmeb-294	166	20	is	be	AUX
ajbmeb-294	166	21	the	the	DET
ajbmeb-294	166	22	pricing	pricing	NOUN
ajbmeb-294	166	23	of	of	ADP
ajbmeb-294	166	24	banking	banking	NOUN
ajbmeb-294	166	25	services	service	NOUN
ajbmeb-294	166	26	.	.	PUNCT
ajbmeb-294	167	1	the	the	DET
ajbmeb-294	167	2	arithmetic	arithmetic	ADJ
ajbmeb-294	167	3	means	mean	NOUN
ajbmeb-294	167	4	for	for	SCONJ
ajbmeb-294	167	5	this	this	DET
ajbmeb-294	167	6	variable	variable	NOUN
ajbmeb-294	167	7	ranged	range	VERB
ajbmeb-294	167	8	between	between	ADP
ajbmeb-294	167	9	(	(	PUNCT
ajbmeb-294	167	10	3.71	3.71	NUM
ajbmeb-294	167	11	4.15	4.15	NUM
ajbmeb-294	167	12	)	)	PUNCT
ajbmeb-294	167	13	,	,	PUNCT
ajbmeb-294	167	14	with	with	ADP
ajbmeb-294	167	15	a	a	DET
ajbmeb-294	167	16	total	total	ADJ
ajbmeb-294	167	17	average	average	NOUN
ajbmeb-294	167	18	of	of	ADP
ajbmeb-294	167	19	(	(	PUNCT
ajbmeb-294	167	20	3.91	3.91	NUM
ajbmeb-294	167	21	)	)	PUNCT
ajbmeb-294	167	22	,	,	PUNCT
ajbmeb-294	167	23	which	which	PRON
ajbmeb-294	167	24	indicates	indicate	VERB
ajbmeb-294	167	25	a	a	DET
ajbmeb-294	167	26	high	high	ADJ
ajbmeb-294	167	27	level	level	NOUN
ajbmeb-294	167	28	of	of	ADP
ajbmeb-294	167	29	responses	response	NOUN
ajbmeb-294	167	30	of	of	ADP
ajbmeb-294	167	31	the	the	DET
ajbmeb-294	167	32	study	study	NOUN
ajbmeb-294	167	33	sample	sample	NOUN
ajbmeb-294	167	34	to	to	ADP
ajbmeb-294	167	35	the	the	DET
ajbmeb-294	167	36	sections	section	NOUN
ajbmeb-294	167	37	of	of	ADP
ajbmeb-294	167	38	the	the	DET
ajbmeb-294	167	39	questionnaire	questionnaire	NOUN
ajbmeb-294	167	40	on	on	ADP
ajbmeb-294	167	41	the	the	DET
ajbmeb-294	167	42	pricing	pricing	NOUN
ajbmeb-294	167	43	of	of	ADP
ajbmeb-294	167	44	banking	banking	NOUN
ajbmeb-294	167	45	services	service	NOUN
ajbmeb-294	167	46	,	,	PUNCT
ajbmeb-294	167	47	in	in	ADP
ajbmeb-294	167	48	the	the	DET
ajbmeb-294	167	49	first	first	ADJ
ajbmeb-294	167	50	place	place	NOUN
ajbmeb-294	167	51	came	come	VERB
ajbmeb-294	167	52	the	the	DET
ajbmeb-294	167	53	paragraph	paragraph	NOUN
ajbmeb-294	167	54	“	"	PUNCT
ajbmeb-294	167	55	banking	banking	NOUN
ajbmeb-294	167	56	services	service	NOUN
ajbmeb-294	167	57	priced	price	VERB
ajbmeb-294	167	58	according	accord	VERB
ajbmeb-294	167	59	to	to	ADP
ajbmeb-294	167	60	the	the	DET
ajbmeb-294	167	61	target	target	NOUN
ajbmeb-294	167	62	cost	cost	NOUN
ajbmeb-294	167	63	entrance	entrance	NOUN
ajbmeb-294	167	64	are	be	AUX
ajbmeb-294	167	65	affected	affect	VERB
ajbmeb-294	167	66	by	by	ADP
ajbmeb-294	167	67	competitors	competitor	NOUN
ajbmeb-294	167	68	”	"	PUNCT
ajbmeb-294	167	69	with	with	ADP
ajbmeb-294	167	70	an	an	DET
ajbmeb-294	167	71	arithmetic	arithmetic	ADJ
ajbmeb-294	167	72	mean	mean	NOUN
ajbmeb-294	167	73	of	of	ADP
ajbmeb-294	167	74	(	(	PUNCT
ajbmeb-294	167	75	4.15	4.15	NUM
ajbmeb-294	167	76	)	)	PUNCT
ajbmeb-294	167	77	,	,	PUNCT
ajbmeb-294	167	78	higher	high	ADJ
ajbmeb-294	167	79	than	than	ADP
ajbmeb-294	167	80	the	the	DET
ajbmeb-294	167	81	overall	overall	ADJ
ajbmeb-294	167	82	arithmetic	arithmetic	ADJ
ajbmeb-294	167	83	mean	mean	NOUN
ajbmeb-294	167	84	of	of	ADP
ajbmeb-294	167	85	(	(	PUNCT
ajbmeb-294	167	86	3.91	3.91	NUM
ajbmeb-294	167	87	)	)	PUNCT
ajbmeb-294	167	88	,	,	PUNCT
ajbmeb-294	167	89	the	the	DET
ajbmeb-294	167	90	overall	overall	ADJ
ajbmeb-294	167	91	standard	standard	ADJ
ajbmeb-294	167	92	deviation	deviation	NOUN
ajbmeb-294	167	93	being	be	AUX
ajbmeb-294	167	94	(	(	PUNCT
ajbmeb-294	167	95	0.586	0.586	NUM
ajbmeb-294	167	96	)	)	PUNCT
ajbmeb-294	167	97	,	,	PUNCT
ajbmeb-294	167	98	regarding	regard	VERB
ajbmeb-294	167	99	the	the	DET
ajbmeb-294	167	100	section	section	NOUN
ajbmeb-294	167	101	on	on	ADP
ajbmeb-294	167	102	"	"	PUNCT
ajbmeb-294	167	103	pricing	pricing	NOUN
ajbmeb-294	167	104	policies	policy	NOUN
ajbmeb-294	167	105	for	for	ADP
ajbmeb-294	167	106	banking	banking	NOUN
ajbmeb-294	167	107	services	service	NOUN
ajbmeb-294	167	108	,	,	PUNCT
ajbmeb-294	167	109	"	"	PUNCT
ajbmeb-294	167	110	it	it	PRON
ajbmeb-294	167	111	is	be	AUX
ajbmeb-294	167	112	focused	focus	VERB
ajbmeb-294	167	113	on	on	ADP
ajbmeb-294	167	114	the	the	DET
ajbmeb-294	167	115	cost	cost	NOUN
ajbmeb-294	167	116	approach	approach	NOUN
ajbmeb-294	167	117	rather	rather	ADV
ajbmeb-294	167	118	than	than	ADP
ajbmeb-294	167	119	supply	supply	NOUN
ajbmeb-294	167	120	and	and	CCONJ
ajbmeb-294	167	121	demand	demand	NOUN
ajbmeb-294	167	122	.	.	PUNCT
ajbmeb-294	168	1	it	it	PRON
ajbmeb-294	168	2	ranked	rank	VERB
ajbmeb-294	168	3	last	last	ADJ
ajbmeb-294	168	4	with	with	ADP
ajbmeb-294	168	5	an	an	DET
ajbmeb-294	168	6	arithmetic	arithmetic	ADJ
ajbmeb-294	168	7	mean	mean	NOUN
ajbmeb-294	168	8	of	of	ADP
ajbmeb-294	168	9	(	(	PUNCT
ajbmeb-294	168	10	3.71	3.71	NUM
ajbmeb-294	168	11	)	)	PUNCT
ajbmeb-294	168	12	,	,	PUNCT
ajbmeb-294	168	13	which	which	PRON
ajbmeb-294	168	14	is	be	AUX
ajbmeb-294	168	15	lower	low	ADJ
ajbmeb-294	168	16	than	than	ADP
ajbmeb-294	168	17	the	the	DET
ajbmeb-294	168	18	total	total	ADJ
ajbmeb-294	168	19	arithmetic	arithmetic	ADJ
ajbmeb-294	168	20	mean	mean	NOUN
ajbmeb-294	168	21	of	of	ADP
ajbmeb-294	168	22	(	(	PUNCT
ajbmeb-294	168	23	3.91	3.91	NUM
ajbmeb-294	168	24	)	)	PUNCT
ajbmeb-294	168	25	and	and	CCONJ
ajbmeb-294	168	26	with	with	ADP
ajbmeb-294	168	27	a	a	DET
ajbmeb-294	168	28	total	total	ADJ
ajbmeb-294	168	29	standard	standard	ADJ
ajbmeb-294	168	30	deviation	deviation	NOUN
ajbmeb-294	168	31	(	(	PUNCT
ajbmeb-294	168	32	0.586	0.586	NUM
ajbmeb-294	168	33	)	)	PUNCT
ajbmeb-294	168	34	.	.	PUNCT
ajbmeb-294	169	1	american	american	PROPN
ajbmeb-294	169	2	journal	journal	PROPN
ajbmeb-294	169	3	of	of	ADP
ajbmeb-294	169	4	business	business	NOUN
ajbmeb-294	169	5	management	management	NOUN
ajbmeb-294	169	6	,	,	PUNCT
ajbmeb-294	169	7	economics	economic	NOUN
ajbmeb-294	169	8	and	and	CCONJ
ajbmeb-294	169	9	banking	banking	NOUN
ajbmeb-294	169	10	volume	volume	NOUN
ajbmeb-294	169	11	8	8	NUM
ajbmeb-294	169	12	,	,	PUNCT
ajbmeb-294	169	13	jan	jan	PROPN
ajbmeb-294	169	14	.	.	PROPN
ajbmeb-294	169	15	,	,	PUNCT
ajbmeb-294	169	16	2023	2023	NUM
ajbmeb-294	169	17	p	p	NOUN
ajbmeb-294	169	18	a	a	DET
ajbmeb-294	169	19	g	g	NOUN
ajbmeb-294	169	20	e	e	NOUN
ajbmeb-294	169	21	|	|	ADV
ajbmeb-294	169	22	30	30	NUM
ajbmeb-294	169	23	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-294	169	24	b	b	NOUN
ajbmeb-294	169	25	the	the	DET
ajbmeb-294	169	26	answers	answer	NOUN
ajbmeb-294	169	27	of	of	ADP
ajbmeb-294	169	28	the	the	DET
ajbmeb-294	169	29	study	study	NOUN
ajbmeb-294	169	30	sample	sample	NOUN
ajbmeb-294	169	31	to	to	ADP
ajbmeb-294	169	32	the	the	DET
ajbmeb-294	169	33	paragraphs	paragraph	NOUN
ajbmeb-294	169	34	of	of	ADP
ajbmeb-294	169	35	the	the	DET
ajbmeb-294	169	36	study	study	NOUN
ajbmeb-294	169	37	tool	tool	NOUN
ajbmeb-294	169	38	related	relate	VERB
ajbmeb-294	169	39	to	to	ADP
ajbmeb-294	169	40	the	the	DET
ajbmeb-294	169	41	profitability	profitability	NOUN
ajbmeb-294	169	42	variable	variable	ADJ
ajbmeb-294	169	43	table	table	NOUN
ajbmeb-294	169	44	no	no	INTJ
ajbmeb-294	169	45	.	.	PUNCT
ajbmeb-294	170	1	(	(	PUNCT
ajbmeb-294	170	2	2	2	X
ajbmeb-294	170	3	)	)	PUNCT
ajbmeb-294	170	4	calculating	calculate	VERB
ajbmeb-294	170	5	the	the	DET
ajbmeb-294	170	6	profitability	profitability	NOUN
ajbmeb-294	170	7	variable	variable	NOUN
ajbmeb-294	170	8	's	's	PART
ajbmeb-294	170	9	mathematical	mathematical	ADJ
ajbmeb-294	170	10	mean	mean	NOUN
ajbmeb-294	170	11	and	and	CCONJ
ajbmeb-294	170	12	standard	standard	ADJ
ajbmeb-294	170	13	deviation	deviation	NOUN
ajbmeb-294	170	14	profitability	profitability	NOUN
ajbmeb-294	170	15	variable	variable	ADJ
ajbmeb-294	170	16	paragraphs	paragraph	NOUN
ajbmeb-294	170	17	arithmetic	arithmetic	ADJ
ajbmeb-294	170	18	average	average	ADJ
ajbmeb-294	170	19	standard	standard	ADJ
ajbmeb-294	170	20	deviation	deviation	NOUN
ajbmeb-294	170	21	significance	significance	NOUN
ajbmeb-294	170	22	level	level	NOUN
ajbmeb-294	170	23	1	1	NUM
ajbmeb-294	170	24	a	a	DET
ajbmeb-294	170	25	bank	bank	NOUN
ajbmeb-294	170	26	can	can	AUX
ajbmeb-294	170	27	increase	increase	VERB
ajbmeb-294	170	28	its	its	PRON
ajbmeb-294	170	29	market	market	NOUN
ajbmeb-294	170	30	share	share	NOUN
ajbmeb-294	170	31	by	by	ADP
ajbmeb-294	170	32	pricing	price	VERB
ajbmeb-294	170	33	banking	banking	NOUN
ajbmeb-294	170	34	services	service	NOUN
ajbmeb-294	170	35	using	use	VERB
ajbmeb-294	170	36	the	the	DET
ajbmeb-294	170	37	target	target	NOUN
ajbmeb-294	170	38	costing	costing	NOUN
ajbmeb-294	170	39	approach	approach	NOUN
ajbmeb-294	170	40	.	.	PUNCT
ajbmeb-294	171	1	4.04	4.04	NUM
ajbmeb-294	171	2	0.637	0.637	NUM
ajbmeb-294	171	3	elevated	elevated	ADJ
ajbmeb-294	171	4	2	2	NUM
ajbmeb-294	171	5	the	the	DET
ajbmeb-294	171	6	bank	bank	NOUN
ajbmeb-294	171	7	's	's	PART
ajbmeb-294	171	8	reputation	reputation	NOUN
ajbmeb-294	171	9	is	be	AUX
ajbmeb-294	171	10	enhanced	enhance	VERB
ajbmeb-294	171	11	and	and	CCONJ
ajbmeb-294	171	12	sales	sale	NOUN
ajbmeb-294	171	13	are	be	AUX
ajbmeb-294	171	14	subsequently	subsequently	ADV
ajbmeb-294	171	15	increased	increase	VERB
ajbmeb-294	171	16	by	by	ADP
ajbmeb-294	171	17	using	use	VERB
ajbmeb-294	171	18	the	the	DET
ajbmeb-294	171	19	target	target	NOUN
ajbmeb-294	171	20	cost	cost	NOUN
ajbmeb-294	171	21	strategy	strategy	NOUN
ajbmeb-294	171	22	when	when	SCONJ
ajbmeb-294	171	23	pricing	pricing	NOUN
ajbmeb-294	171	24	banking	banking	NOUN
ajbmeb-294	171	25	services	service	NOUN
ajbmeb-294	171	26	.	.	PUNCT
ajbmeb-294	172	1	4.11	4.11	NUM
ajbmeb-294	172	2	0.879	0.879	NUM
ajbmeb-294	172	3	elevated	elevate	VERB
ajbmeb-294	172	4	3	3	NUM
ajbmeb-294	172	5	in	in	ADP
ajbmeb-294	172	6	order	order	NOUN
ajbmeb-294	172	7	to	to	PART
ajbmeb-294	172	8	meet	meet	VERB
ajbmeb-294	172	9	consumer	consumer	NOUN
ajbmeb-294	172	10	needs	need	NOUN
ajbmeb-294	172	11	and	and	CCONJ
ajbmeb-294	172	12	increase	increase	VERB
ajbmeb-294	172	13	revenues	revenue	NOUN
ajbmeb-294	172	14	,	,	PUNCT
ajbmeb-294	172	15	the	the	DET
ajbmeb-294	172	16	target	target	NOUN
ajbmeb-294	172	17	cost	cost	NOUN
ajbmeb-294	172	18	strategy	strategy	NOUN
ajbmeb-294	172	19	necessitates	necessitate	VERB
ajbmeb-294	172	20	constant	constant	ADJ
ajbmeb-294	172	21	development	development	NOUN
ajbmeb-294	172	22	.	.	PUNCT
ajbmeb-294	173	1	4.07	4.07	NUM
ajbmeb-294	173	2	0.762	0.762	NUM
ajbmeb-294	173	3	elevated	elevate	VERB
ajbmeb-294	173	4	4	4	NUM
ajbmeb-294	173	5	the	the	DET
ajbmeb-294	173	6	target	target	NOUN
ajbmeb-294	173	7	cost	cost	NOUN
ajbmeb-294	173	8	approach	approach	NOUN
ajbmeb-294	173	9	achieves	achieve	VERB
ajbmeb-294	173	10	the	the	DET
ajbmeb-294	173	11	profit	profit	NOUN
ajbmeb-294	173	12	margin	margin	NOUN
ajbmeb-294	173	13	that	that	PRON
ajbmeb-294	173	14	the	the	DET
ajbmeb-294	173	15	bank	bank	NOUN
ajbmeb-294	173	16	's	's	PART
ajbmeb-294	173	17	management	management	NOUN
ajbmeb-294	173	18	aspires	aspire	VERB
ajbmeb-294	173	19	to	to	ADP
ajbmeb-294	173	20	.	.	PUNCT
ajbmeb-294	174	1	3.56	3.56	NUM
ajbmeb-294	174	2	1.072	1.072	NUM
ajbmeb-294	174	3	average	average	NOUN
ajbmeb-294	174	4	5	5	NUM
ajbmeb-294	174	5	adopting	adopt	VERB
ajbmeb-294	174	6	a	a	DET
ajbmeb-294	174	7	target	target	NOUN
ajbmeb-294	174	8	costing	cost	VERB
ajbmeb-294	174	9	approach	approach	NOUN
ajbmeb-294	174	10	leads	lead	VERB
ajbmeb-294	174	11	to	to	ADP
ajbmeb-294	174	12	cost	cost	NOUN
ajbmeb-294	174	13	reduction	reduction	NOUN
ajbmeb-294	174	14	and	and	CCONJ
ajbmeb-294	174	15	thus	thus	ADV
ajbmeb-294	174	16	increased	increase	VERB
ajbmeb-294	174	17	profitability	profitability	NOUN
ajbmeb-294	174	18	.	.	PUNCT
ajbmeb-294	175	1	3.50	3.50	NUM
ajbmeb-294	175	2	0.954	0.954	NUM
ajbmeb-294	175	3	average	average	ADJ
ajbmeb-294	175	4	total	total	NOUN
ajbmeb-294	175	5	3.87	3.87	NUM
ajbmeb-294	175	6	0.862	0.862	NUM
ajbmeb-294	175	7	elevated	elevated	ADJ
ajbmeb-294	175	8	source	source	NOUN
ajbmeb-294	175	9	:	:	PUNCT
ajbmeb-294	175	10	using	use	VERB
ajbmeb-294	175	11	the	the	DET
ajbmeb-294	175	12	statistical	statistical	ADJ
ajbmeb-294	175	13	program	program	NOUN
ajbmeb-294	175	14	(	(	PUNCT
ajbmeb-294	175	15	spss	spss	PROPN
ajbmeb-294	175	16	)	)	PUNCT
ajbmeb-294	175	17	and	and	CCONJ
ajbmeb-294	175	18	(	(	PUNCT
ajbmeb-294	175	19	excel	excel	PROPN
ajbmeb-294	175	20	)	)	PUNCT
ajbmeb-294	175	21	.	.	PUNCT
ajbmeb-294	176	1	table	table	NOUN
ajbmeb-294	176	2	no	no	INTJ
ajbmeb-294	176	3	.	.	PUNCT
ajbmeb-294	177	1	(	(	PUNCT
ajbmeb-294	177	2	2	2	X
ajbmeb-294	177	3	)	)	PUNCT
ajbmeb-294	177	4	shows	show	VERB
ajbmeb-294	177	5	the	the	DET
ajbmeb-294	177	6	responses	response	NOUN
ajbmeb-294	177	7	of	of	ADP
ajbmeb-294	177	8	the	the	DET
ajbmeb-294	177	9	respondents	respondent	NOUN
ajbmeb-294	177	10	to	to	ADP
ajbmeb-294	177	11	the	the	DET
ajbmeb-294	177	12	paragraphs	paragraph	NOUN
ajbmeb-294	177	13	of	of	ADP
ajbmeb-294	177	14	the	the	DET
ajbmeb-294	177	15	main	main	ADJ
ajbmeb-294	177	16	study	study	NOUN
ajbmeb-294	177	17	tool	tool	NOUN
ajbmeb-294	177	18	(	(	PUNCT
ajbmeb-294	177	19	questionnaire	questionnaire	NOUN
ajbmeb-294	177	20	)	)	PUNCT
ajbmeb-294	177	21	related	relate	VERB
ajbmeb-294	177	22	to	to	ADP
ajbmeb-294	177	23	the	the	DET
ajbmeb-294	177	24	paragraphs	paragraph	NOUN
ajbmeb-294	177	25	of	of	ADP
ajbmeb-294	177	26	the	the	DET
ajbmeb-294	177	27	sub	sub	ADJ
ajbmeb-294	177	28	-	-	ADJ
ajbmeb-294	177	29	independent	independent	ADJ
ajbmeb-294	177	30	variable	variable	NOUN
ajbmeb-294	177	31	,	,	PUNCT
ajbmeb-294	177	32	which	which	PRON
ajbmeb-294	177	33	is	be	AUX
ajbmeb-294	177	34	profitability	profitability	NOUN
ajbmeb-294	177	35	,	,	PUNCT
ajbmeb-294	177	36	where	where	SCONJ
ajbmeb-294	177	37	the	the	DET
ajbmeb-294	177	38	arithmetic	arithmetic	ADJ
ajbmeb-294	177	39	means	mean	VERB
ajbmeb-294	177	40	for	for	ADP
ajbmeb-294	177	41	this	this	DET
ajbmeb-294	177	42	variable	variable	NOUN
ajbmeb-294	177	43	ranged	range	VERB
ajbmeb-294	177	44	between	between	ADP
ajbmeb-294	177	45	(	(	PUNCT
ajbmeb-294	177	46	3.50	3.50	NUM
ajbmeb-294	177	47	4.11	4.11	NUM
ajbmeb-294	177	48	)	)	PUNCT
ajbmeb-294	177	49	according	accord	VERB
ajbmeb-294	177	50	to	to	ADP
ajbmeb-294	177	51	the	the	DET
ajbmeb-294	177	52	study	study	NOUN
ajbmeb-294	177	53	sample	sample	NOUN
ajbmeb-294	177	54	's	's	PART
ajbmeb-294	177	55	thoughts	thought	NOUN
ajbmeb-294	177	56	,	,	PUNCT
ajbmeb-294	177	57	the	the	DET
ajbmeb-294	177	58	product	product	NOUN
ajbmeb-294	177	59	variable	variable	NOUN
ajbmeb-294	177	60	is	be	AUX
ajbmeb-294	177	61	rated	rate	VERB
ajbmeb-294	177	62	highly	highly	ADV
ajbmeb-294	177	63	,	,	PUNCT
ajbmeb-294	177	64	with	with	ADP
ajbmeb-294	177	65	a	a	DET
ajbmeb-294	177	66	total	total	ADJ
ajbmeb-294	177	67	average	average	NOUN
ajbmeb-294	177	68	of	of	ADP
ajbmeb-294	177	69	(	(	PUNCT
ajbmeb-294	177	70	3.87	3.87	NUM
ajbmeb-294	177	71	)	)	PUNCT
ajbmeb-294	177	72	on	on	ADP
ajbmeb-294	177	73	the	the	DET
ajbmeb-294	177	74	likert	likert	ADJ
ajbmeb-294	177	75	scale	scale	NOUN
ajbmeb-294	177	76	,	,	PUNCT
ajbmeb-294	177	77	as	as	SCONJ
ajbmeb-294	177	78	the	the	DET
ajbmeb-294	177	79	paragraph	paragraph	NOUN
ajbmeb-294	177	80	“	"	PUNCT
ajbmeb-294	177	81	the	the	DET
ajbmeb-294	177	82	bank	bank	NOUN
ajbmeb-294	177	83	's	's	PART
ajbmeb-294	177	84	reputation	reputation	NOUN
ajbmeb-294	177	85	is	be	AUX
ajbmeb-294	177	86	enhanced	enhance	VERB
ajbmeb-294	177	87	and	and	CCONJ
ajbmeb-294	177	88	sales	sale	NOUN
ajbmeb-294	177	89	are	be	AUX
ajbmeb-294	177	90	subsequently	subsequently	ADV
ajbmeb-294	177	91	increased	increase	VERB
ajbmeb-294	177	92	by	by	ADP
ajbmeb-294	177	93	using	use	VERB
ajbmeb-294	177	94	the	the	DET
ajbmeb-294	177	95	target	target	NOUN
ajbmeb-294	177	96	cost	cost	NOUN
ajbmeb-294	177	97	strategy	strategy	NOUN
ajbmeb-294	177	98	when	when	SCONJ
ajbmeb-294	177	99	pricing	pricing	NOUN
ajbmeb-294	177	100	banking	banking	NOUN
ajbmeb-294	177	101	services	service	NOUN
ajbmeb-294	177	102	”	"	PUNCT
ajbmeb-294	177	103	having	have	VERB
ajbmeb-294	177	104	a	a	DET
ajbmeb-294	177	105	mathematical	mathematical	ADJ
ajbmeb-294	177	106	mean	mean	NOUN
ajbmeb-294	177	107	of	of	ADP
ajbmeb-294	177	108	(	(	PUNCT
ajbmeb-294	177	109	4.11	4.11	NUM
ajbmeb-294	177	110	)	)	PUNCT
ajbmeb-294	177	111	,	,	PUNCT
ajbmeb-294	177	112	it	it	PRON
ajbmeb-294	177	113	exceeds	exceed	VERB
ajbmeb-294	177	114	the	the	DET
ajbmeb-294	177	115	overall	overall	ADJ
ajbmeb-294	177	116	arithmetic	arithmetic	ADJ
ajbmeb-294	177	117	mean	mean	NOUN
ajbmeb-294	177	118	of	of	ADP
ajbmeb-294	177	119	(	(	PUNCT
ajbmeb-294	177	120	3.87	3.87	NUM
ajbmeb-294	177	121	)	)	PUNCT
ajbmeb-294	177	122	and	and	CCONJ
ajbmeb-294	177	123	a	a	DET
ajbmeb-294	177	124	standard	standard	ADJ
ajbmeb-294	177	125	deviation	deviation	NOUN
ajbmeb-294	177	126	of	of	ADP
ajbmeb-294	177	127	(	(	PUNCT
ajbmeb-294	177	128	0.862	0.862	NUM
ajbmeb-294	177	129	)	)	PUNCT
ajbmeb-294	177	130	,	,	PUNCT
ajbmeb-294	177	131	while	while	SCONJ
ajbmeb-294	177	132	the	the	DET
ajbmeb-294	177	133	paragraph	paragraph	NOUN
ajbmeb-294	177	134	“	"	PUNCT
ajbmeb-294	177	135	the	the	DET
ajbmeb-294	177	136	adoption	adoption	NOUN
ajbmeb-294	177	137	of	of	ADP
ajbmeb-294	177	138	the	the	DET
ajbmeb-294	177	139	target	target	NOUN
ajbmeb-294	177	140	cost	cost	NOUN
ajbmeb-294	177	141	approach	approach	NOUN
ajbmeb-294	177	142	leads	lead	VERB
ajbmeb-294	177	143	to	to	ADP
ajbmeb-294	177	144	cost	cost	NOUN
ajbmeb-294	177	145	reduction	reduction	NOUN
ajbmeb-294	177	146	and	and	CCONJ
ajbmeb-294	177	147	thus	thus	ADV
ajbmeb-294	177	148	increased	increase	VERB
ajbmeb-294	177	149	profitability	profitability	NOUN
ajbmeb-294	177	150	"	"	PUNCT
ajbmeb-294	177	151	ranked	rank	VERB
ajbmeb-294	177	152	last	last	ADV
ajbmeb-294	177	153	with	with	ADP
ajbmeb-294	177	154	an	an	DET
ajbmeb-294	177	155	arithmetic	arithmetic	ADJ
ajbmeb-294	177	156	mean	mean	NOUN
ajbmeb-294	177	157	(	(	PUNCT
ajbmeb-294	177	158	3.50	3.50	NUM
ajbmeb-294	177	159	)	)	PUNCT
ajbmeb-294	177	160	,	,	PUNCT
ajbmeb-294	177	161	which	which	PRON
ajbmeb-294	177	162	is	be	AUX
ajbmeb-294	177	163	lower	low	ADJ
ajbmeb-294	177	164	than	than	ADP
ajbmeb-294	177	165	the	the	DET
ajbmeb-294	177	166	total	total	ADJ
ajbmeb-294	177	167	arithmetic	arithmetic	ADJ
ajbmeb-294	177	168	mean	mean	NOUN
ajbmeb-294	177	169	(	(	PUNCT
ajbmeb-294	177	170	3.87	3.87	NUM
ajbmeb-294	177	171	)	)	PUNCT
ajbmeb-294	177	172	and	and	CCONJ
ajbmeb-294	177	173	a	a	DET
ajbmeb-294	177	174	standard	standard	ADJ
ajbmeb-294	177	175	deviation	deviation	NOUN
ajbmeb-294	177	176	(	(	PUNCT
ajbmeb-294	177	177	0.862	0.862	NUM
ajbmeb-294	177	178	)	)	PUNCT
ajbmeb-294	177	179	.	.	PUNCT
ajbmeb-294	178	1	c	c	AUX
ajbmeb-294	178	2	the	the	DET
ajbmeb-294	178	3	answers	answer	NOUN
ajbmeb-294	178	4	of	of	ADP
ajbmeb-294	178	5	the	the	DET
ajbmeb-294	178	6	study	study	NOUN
ajbmeb-294	178	7	sample	sample	NOUN
ajbmeb-294	178	8	to	to	ADP
ajbmeb-294	178	9	the	the	DET
ajbmeb-294	178	10	paragraphs	paragraph	NOUN
ajbmeb-294	178	11	of	of	ADP
ajbmeb-294	178	12	the	the	DET
ajbmeb-294	178	13	study	study	NOUN
ajbmeb-294	178	14	tool	tool	NOUN
ajbmeb-294	178	15	related	relate	VERB
ajbmeb-294	178	16	to	to	ADP
ajbmeb-294	178	17	the	the	DET
ajbmeb-294	178	18	variable	variable	NOUN
ajbmeb-294	178	19	of	of	ADP
ajbmeb-294	178	20	attracting	attract	VERB
ajbmeb-294	178	21	new	new	ADJ
ajbmeb-294	178	22	customers	customer	NOUN
ajbmeb-294	178	23	and	and	CCONJ
ajbmeb-294	178	24	maintaining	maintain	VERB
ajbmeb-294	178	25	existing	exist	VERB
ajbmeb-294	178	26	customers	customer	NOUN
ajbmeb-294	178	27	:	:	PUNCT
ajbmeb-294	178	28	table	table	VERB
ajbmeb-294	178	29	no	no	INTJ
ajbmeb-294	178	30	.	.	PUNCT
ajbmeb-294	179	1	(	(	PUNCT
ajbmeb-294	179	2	3	3	X
ajbmeb-294	179	3	)	)	PUNCT
ajbmeb-294	179	4	the	the	DET
ajbmeb-294	179	5	variable	variable	NOUN
ajbmeb-294	179	6	's	's	PART
ajbmeb-294	179	7	arithmetic	arithmetic	ADJ
ajbmeb-294	179	8	mean	mean	NOUN
ajbmeb-294	179	9	and	and	CCONJ
ajbmeb-294	179	10	standard	standard	ADJ
ajbmeb-294	179	11	deviation	deviation	NOUN
ajbmeb-294	179	12	for	for	ADP
ajbmeb-294	179	13	acquiring	acquire	VERB
ajbmeb-294	179	14	new	new	ADJ
ajbmeb-294	179	15	customers	customer	NOUN
ajbmeb-294	179	16	and	and	CCONJ
ajbmeb-294	179	17	retaining	retain	VERB
ajbmeb-294	179	18	existing	exist	VERB
ajbmeb-294	179	19	customers	customer	NOUN
ajbmeb-294	179	20	variable	variable	ADJ
ajbmeb-294	179	21	paragraphs	paragraph	NOUN
ajbmeb-294	179	22	to	to	PART
ajbmeb-294	179	23	attract	attract	VERB
ajbmeb-294	179	24	new	new	ADJ
ajbmeb-294	179	25	customers	customer	NOUN
ajbmeb-294	179	26	and	and	CCONJ
ajbmeb-294	179	27	retain	retain	VERB
ajbmeb-294	179	28	existing	exist	VERB
ajbmeb-294	179	29	customers	customer	NOUN
ajbmeb-294	179	30	arithmetic	arithmetic	ADJ
ajbmeb-294	179	31	average	average	ADJ
ajbmeb-294	179	32	standard	standard	ADJ
ajbmeb-294	179	33	deviation	deviation	NOUN
ajbmeb-294	179	34	significance	significance	NOUN
ajbmeb-294	179	35	level	level	NOUN
ajbmeb-294	179	36	1	1	NUM
ajbmeb-294	179	37	the	the	DET
ajbmeb-294	179	38	target	target	NOUN
ajbmeb-294	179	39	cost	cost	NOUN
ajbmeb-294	179	40	approach	approach	NOUN
ajbmeb-294	179	41	's	's	PART
ajbmeb-294	179	42	requirement	requirement	NOUN
ajbmeb-294	179	43	for	for	ADP
ajbmeb-294	179	44	continuous	continuous	ADJ
ajbmeb-294	179	45	improvement	improvement	NOUN
ajbmeb-294	179	46	in	in	ADP
ajbmeb-294	179	47	banking	banking	NOUN
ajbmeb-294	179	48	services	service	NOUN
ajbmeb-294	179	49	helps	help	VERB
ajbmeb-294	179	50	the	the	DET
ajbmeb-294	179	51	bank	bank	NOUN
ajbmeb-294	179	52	draw	draw	VERB
ajbmeb-294	179	53	in	in	ADP
ajbmeb-294	179	54	new	new	ADJ
ajbmeb-294	179	55	clients	client	NOUN
ajbmeb-294	179	56	and	and	CCONJ
ajbmeb-294	179	57	keep	keep	VERB
ajbmeb-294	179	58	existing	exist	VERB
ajbmeb-294	179	59	ones	one	NOUN
ajbmeb-294	179	60	.	.	PUNCT
ajbmeb-294	180	1	4.07	4.07	NUM
ajbmeb-294	180	2	0.962	0.962	NUM
ajbmeb-294	180	3	elevated	elevate	VERB
ajbmeb-294	180	4	2	2	NUM
ajbmeb-294	180	5	the	the	DET
ajbmeb-294	180	6	bank	bank	NOUN
ajbmeb-294	180	7	is	be	AUX
ajbmeb-294	180	8	able	able	ADJ
ajbmeb-294	180	9	to	to	PART
ajbmeb-294	180	10	retain	retain	VERB
ajbmeb-294	180	11	its	its	PRON
ajbmeb-294	180	12	current	current	ADJ
ajbmeb-294	180	13	client	client	NOUN
ajbmeb-294	180	14	base	base	NOUN
ajbmeb-294	180	15	while	while	SCONJ
ajbmeb-294	180	16	attracting	attract	VERB
ajbmeb-294	180	17	new	new	ADJ
ajbmeb-294	180	18	ones	one	NOUN
ajbmeb-294	180	19	by	by	ADP
ajbmeb-294	180	20	using	use	VERB
ajbmeb-294	180	21	the	the	DET
ajbmeb-294	180	22	target	target	NOUN
ajbmeb-294	180	23	cost	cost	NOUN
ajbmeb-294	180	24	approach	approach	NOUN
ajbmeb-294	180	25	to	to	ADP
ajbmeb-294	180	26	pricing	pricing	NOUN
ajbmeb-294	180	27	.	.	PUNCT
ajbmeb-294	181	1	3.65	3.65	NUM
ajbmeb-294	181	2	11.23	11.23	NUM
ajbmeb-294	181	3	average	average	NOUN
ajbmeb-294	181	4	3	3	NUM
ajbmeb-294	181	5	the	the	DET
ajbmeb-294	181	6	bank	bank	NOUN
ajbmeb-294	181	7	strives	strive	VERB
ajbmeb-294	181	8	to	to	PART
ajbmeb-294	181	9	maintain	maintain	VERB
ajbmeb-294	181	10	the	the	DET
ajbmeb-294	181	11	quality	quality	NOUN
ajbmeb-294	181	12	of	of	ADP
ajbmeb-294	181	13	the	the	DET
ajbmeb-294	181	14	services	service	NOUN
ajbmeb-294	181	15	it	it	PRON
ajbmeb-294	181	16	provides	provide	VERB
ajbmeb-294	181	17	and	and	CCONJ
ajbmeb-294	181	18	,	,	PUNCT
ajbmeb-294	181	19	as	as	ADP
ajbmeb-294	181	20	a	a	DET
ajbmeb-294	181	21	result	result	NOUN
ajbmeb-294	181	22	,	,	PUNCT
ajbmeb-294	181	23	maintains	maintain	VERB
ajbmeb-294	181	24	its	its	PRON
ajbmeb-294	181	25	existing	exist	VERB
ajbmeb-294	181	26	customers	customer	NOUN
ajbmeb-294	181	27	by	by	ADP
ajbmeb-294	181	28	using	use	VERB
ajbmeb-294	181	29	the	the	DET
ajbmeb-294	181	30	target	target	NOUN
ajbmeb-294	181	31	costing	costing	NOUN
ajbmeb-294	181	32	approach	approach	NOUN
ajbmeb-294	181	33	.	.	PUNCT
ajbmeb-294	182	1	3.98	3.98	NUM
ajbmeb-294	182	2	0.908	0.908	NUM
ajbmeb-294	182	3	elevated	elevated	ADJ
ajbmeb-294	182	4	4	4	NUM
ajbmeb-294	182	5	when	when	SCONJ
ajbmeb-294	182	6	pricing	pricing	NOUN
ajbmeb-294	182	7	banking	banking	NOUN
ajbmeb-294	182	8	services	service	NOUN
ajbmeb-294	182	9	,	,	PUNCT
ajbmeb-294	182	10	the	the	DET
ajbmeb-294	182	11	bank	bank	NOUN
ajbmeb-294	182	12	gains	gain	VERB
ajbmeb-294	182	13	credibility	credibility	NOUN
ajbmeb-294	182	14	by	by	ADP
ajbmeb-294	182	15	using	use	VERB
ajbmeb-294	182	16	the	the	DET
ajbmeb-294	182	17	target	target	NOUN
ajbmeb-294	182	18	cost	cost	NOUN
ajbmeb-294	182	19	approach	approach	NOUN
ajbmeb-294	182	20	.	.	PUNCT
ajbmeb-294	183	1	3.33	3.33	NUM
ajbmeb-294	183	2	1.063	1.063	NUM
ajbmeb-294	183	3	average	average	NOUN
ajbmeb-294	183	4	5	5	NUM
ajbmeb-294	183	5	at	at	ADP
ajbmeb-294	183	6	the	the	DET
ajbmeb-294	183	7	entrance	entrance	NOUN
ajbmeb-294	183	8	to	to	ADP
ajbmeb-294	183	9	the	the	DET
ajbmeb-294	183	10	target	target	NOUN
ajbmeb-294	183	11	cost	cost	NOUN
ajbmeb-294	183	12	,	,	PUNCT
ajbmeb-294	183	13	the	the	DET
ajbmeb-294	183	14	bank	bank	NOUN
ajbmeb-294	183	15	's	's	PART
ajbmeb-294	183	16	management	management	NOUN
ajbmeb-294	183	17	makes	make	VERB
ajbmeb-294	183	18	it	it	PRON
ajbmeb-294	183	19	work	work	VERB
ajbmeb-294	183	20	to	to	PART
ajbmeb-294	183	21	achieve	achieve	VERB
ajbmeb-294	183	22	the	the	DET
ajbmeb-294	183	23	desires	desire	NOUN
ajbmeb-294	183	24	and	and	CCONJ
ajbmeb-294	183	25	needs	need	NOUN
ajbmeb-294	183	26	of	of	ADP
ajbmeb-294	183	27	customers	customer	NOUN
ajbmeb-294	183	28	.	.	PUNCT
ajbmeb-294	184	1	3.77	3.77	NUM
ajbmeb-294	184	2	1.001	1.001	NUM
ajbmeb-294	184	3	elevated	elevate	VERB
ajbmeb-294	184	4	6	6	NUM
ajbmeb-294	184	5	the	the	DET
ajbmeb-294	184	6	benefits	benefit	NOUN
ajbmeb-294	184	7	accruing	accrue	VERB
ajbmeb-294	184	8	from	from	ADP
ajbmeb-294	184	9	the	the	DET
ajbmeb-294	184	10	application	application	NOUN
ajbmeb-294	184	11	of	of	ADP
ajbmeb-294	184	12	the	the	DET
ajbmeb-294	184	13	target	target	NOUN
ajbmeb-294	184	14	cost	cost	NOUN
ajbmeb-294	184	15	approach	approach	NOUN
ajbmeb-294	184	16	are	be	AUX
ajbmeb-294	184	17	a	a	DET
ajbmeb-294	184	18	reason	reason	NOUN
ajbmeb-294	184	19	for	for	SCONJ
ajbmeb-294	184	20	the	the	DET
ajbmeb-294	184	21	bank	bank	NOUN
ajbmeb-294	184	22	to	to	PART
ajbmeb-294	184	23	maintain	maintain	VERB
ajbmeb-294	184	24	and	and	CCONJ
ajbmeb-294	184	25	attract	attract	VERB
ajbmeb-294	184	26	customers	customer	NOUN
ajbmeb-294	184	27	.	.	PUNCT
ajbmeb-294	185	1	3.87	3.87	NUM
ajbmeb-294	185	2	0.974	0.974	NUM
ajbmeb-294	185	3	elevated	elevated	ADJ
ajbmeb-294	185	4	total	total	ADJ
ajbmeb-294	185	5	3.79	3.79	NUM
ajbmeb-294	185	6	1.024	1.024	NUM
ajbmeb-294	185	7	elevated	elevated	ADJ
ajbmeb-294	185	8	source	source	NOUN
ajbmeb-294	185	9	:	:	PUNCT
ajbmeb-294	185	10	using	use	VERB
ajbmeb-294	185	11	the	the	DET
ajbmeb-294	185	12	statistical	statistical	ADJ
ajbmeb-294	185	13	program	program	NOUN
ajbmeb-294	185	14	(	(	PUNCT
ajbmeb-294	185	15	spss	spss	PROPN
ajbmeb-294	185	16	)	)	PUNCT
ajbmeb-294	185	17	and	and	CCONJ
ajbmeb-294	185	18	(	(	PUNCT
ajbmeb-294	185	19	excel	excel	PROPN
ajbmeb-294	185	20	)	)	PUNCT
ajbmeb-294	185	21	.	.	PUNCT
ajbmeb-294	186	1	american	american	PROPN
ajbmeb-294	186	2	journal	journal	PROPN
ajbmeb-294	186	3	of	of	ADP
ajbmeb-294	186	4	business	business	NOUN
ajbmeb-294	186	5	management	management	NOUN
ajbmeb-294	186	6	,	,	PUNCT
ajbmeb-294	186	7	economics	economic	NOUN
ajbmeb-294	186	8	and	and	CCONJ
ajbmeb-294	186	9	banking	banking	NOUN
ajbmeb-294	186	10	volume	volume	NOUN
ajbmeb-294	186	11	8	8	NUM
ajbmeb-294	186	12	,	,	PUNCT
ajbmeb-294	186	13	jan	jan	PROPN
ajbmeb-294	186	14	.	.	PROPN
ajbmeb-294	186	15	,	,	PUNCT
ajbmeb-294	186	16	2023	2023	NUM
ajbmeb-294	186	17	p	p	NOUN
ajbmeb-294	186	18	a	a	DET
ajbmeb-294	186	19	g	g	NOUN
ajbmeb-294	186	20	e	e	NOUN
ajbmeb-294	186	21	|	|	ADV
ajbmeb-294	186	22	31	31	NUM
ajbmeb-294	186	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	186	24	table	table	NOUN
ajbmeb-294	186	25	no	no	INTJ
ajbmeb-294	186	26	.	.	PUNCT
ajbmeb-294	187	1	(	(	PUNCT
ajbmeb-294	187	2	3	3	X
ajbmeb-294	187	3	)	)	PUNCT
ajbmeb-294	187	4	indicates	indicate	VERB
ajbmeb-294	187	5	the	the	DET
ajbmeb-294	187	6	respondents	respondent	NOUN
ajbmeb-294	187	7	'	'	PART
ajbmeb-294	187	8	answers	answer	NOUN
ajbmeb-294	187	9	to	to	ADP
ajbmeb-294	187	10	the	the	DET
ajbmeb-294	187	11	statements	statement	NOUN
ajbmeb-294	187	12	related	relate	VERB
ajbmeb-294	187	13	to	to	ADP
ajbmeb-294	187	14	distribution	distribution	NOUN
ajbmeb-294	187	15	,	,	PUNCT
ajbmeb-294	187	16	as	as	ADP
ajbmeb-294	187	17	the	the	DET
ajbmeb-294	187	18	arithmetic	arithmetic	ADJ
ajbmeb-294	187	19	means	mean	NOUN
ajbmeb-294	187	20	for	for	SCONJ
ajbmeb-294	187	21	this	this	DET
ajbmeb-294	187	22	variable	variable	NOUN
ajbmeb-294	187	23	ranged	range	VERB
ajbmeb-294	187	24	between	between	ADP
ajbmeb-294	187	25	(	(	PUNCT
ajbmeb-294	187	26	3.33	3.33	NUM
ajbmeb-294	187	27	4.07	4.07	NUM
ajbmeb-294	187	28	)	)	PUNCT
ajbmeb-294	187	29	,	,	PUNCT
ajbmeb-294	187	30	with	with	ADP
ajbmeb-294	187	31	a	a	DET
ajbmeb-294	187	32	total	total	ADJ
ajbmeb-294	187	33	average	average	NOUN
ajbmeb-294	187	34	of	of	ADP
ajbmeb-294	187	35	(	(	PUNCT
ajbmeb-294	187	36	3.79	3.79	NUM
ajbmeb-294	187	37	)	)	PUNCT
ajbmeb-294	187	38	on	on	ADP
ajbmeb-294	187	39	a	a	DET
ajbmeb-294	187	40	likert	likert	ADJ
ajbmeb-294	187	41	scale	scale	NOUN
ajbmeb-294	187	42	,	,	PUNCT
ajbmeb-294	187	43	the	the	DET
ajbmeb-294	187	44	study	study	NOUN
ajbmeb-294	187	45	sample	sample	NOUN
ajbmeb-294	187	46	's	's	PART
ajbmeb-294	187	47	responses	response	NOUN
ajbmeb-294	187	48	to	to	ADP
ajbmeb-294	187	49	the	the	DET
ajbmeb-294	187	50	questionnaire	questionnaire	NOUN
ajbmeb-294	187	51	questions	question	NOUN
ajbmeb-294	187	52	about	about	ADP
ajbmeb-294	187	53	luring	lure	VERB
ajbmeb-294	187	54	new	new	ADJ
ajbmeb-294	187	55	customers	customer	NOUN
ajbmeb-294	187	56	and	and	CCONJ
ajbmeb-294	187	57	retaining	retain	VERB
ajbmeb-294	187	58	existing	exist	VERB
ajbmeb-294	187	59	ones	one	NOUN
ajbmeb-294	187	60	fell	fall	VERB
ajbmeb-294	187	61	between	between	ADP
ajbmeb-294	187	62	the	the	DET
ajbmeb-294	187	63	high	high	ADJ
ajbmeb-294	187	64	and	and	CCONJ
ajbmeb-294	187	65	average	average	ADJ
ajbmeb-294	187	66	ranges	range	NOUN
ajbmeb-294	187	67	,	,	PUNCT
ajbmeb-294	187	68	as	as	SCONJ
ajbmeb-294	187	69	the	the	DET
ajbmeb-294	187	70	first	first	ADJ
ajbmeb-294	187	71	place	place	NOUN
ajbmeb-294	187	72	came	come	VERB
ajbmeb-294	187	73	in	in	ADP
ajbmeb-294	187	74	the	the	DET
ajbmeb-294	187	75	paragraph	paragraph	NOUN
ajbmeb-294	187	76	,	,	PUNCT
ajbmeb-294	187	77	“	"	PUNCT
ajbmeb-294	187	78	the	the	DET
ajbmeb-294	187	79	target	target	NOUN
ajbmeb-294	187	80	cost	cost	NOUN
ajbmeb-294	187	81	approach	approach	NOUN
ajbmeb-294	187	82	's	's	PART
ajbmeb-294	187	83	requirement	requirement	NOUN
ajbmeb-294	187	84	for	for	ADP
ajbmeb-294	187	85	continuous	continuous	ADJ
ajbmeb-294	187	86	improvement	improvement	NOUN
ajbmeb-294	187	87	in	in	ADP
ajbmeb-294	187	88	banking	banking	NOUN
ajbmeb-294	187	89	services	service	NOUN
ajbmeb-294	187	90	helps	help	VERB
ajbmeb-294	187	91	the	the	DET
ajbmeb-294	187	92	bank	bank	NOUN
ajbmeb-294	187	93	draw	draw	VERB
ajbmeb-294	187	94	in	in	ADP
ajbmeb-294	187	95	new	new	ADJ
ajbmeb-294	187	96	clients	client	NOUN
ajbmeb-294	187	97	and	and	CCONJ
ajbmeb-294	187	98	keep	keep	VERB
ajbmeb-294	187	99	existing	exist	VERB
ajbmeb-294	187	100	ones	one	NOUN
ajbmeb-294	187	101	”	"	PUNCT
ajbmeb-294	187	102	the	the	DET
ajbmeb-294	187	103	arithmetic	arithmetic	ADJ
ajbmeb-294	187	104	average	average	NOUN
ajbmeb-294	187	105	(	(	PUNCT
ajbmeb-294	187	106	4.07	4.07	NUM
ajbmeb-294	187	107	)	)	PUNCT
ajbmeb-294	187	108	is	be	AUX
ajbmeb-294	187	109	higher	high	ADJ
ajbmeb-294	187	110	than	than	ADP
ajbmeb-294	187	111	the	the	DET
ajbmeb-294	187	112	overall	overall	ADJ
ajbmeb-294	187	113	arithmetic	arithmetic	ADJ
ajbmeb-294	187	114	mean	mean	NOUN
ajbmeb-294	187	115	(	(	PUNCT
ajbmeb-294	187	116	3.79	3.79	NUM
ajbmeb-294	187	117	)	)	PUNCT
ajbmeb-294	187	118	,	,	PUNCT
ajbmeb-294	187	119	and	and	CCONJ
ajbmeb-294	187	120	a	a	DET
ajbmeb-294	187	121	standard	standard	ADJ
ajbmeb-294	187	122	deviation	deviation	NOUN
ajbmeb-294	187	123	of	of	ADP
ajbmeb-294	187	124	(	(	PUNCT
ajbmeb-294	187	125	0.024	0.024	NUM
ajbmeb-294	187	126	)	)	PUNCT
ajbmeb-294	187	127	,	,	PUNCT
ajbmeb-294	187	128	while	while	SCONJ
ajbmeb-294	187	129	within	within	ADP
ajbmeb-294	187	130	the	the	DET
ajbmeb-294	187	131	paragraph	paragraph	NOUN
ajbmeb-294	187	132	“	"	PUNCT
ajbmeb-294	187	133	when	when	SCONJ
ajbmeb-294	187	134	pricing	pricing	NOUN
ajbmeb-294	187	135	banking	banking	NOUN
ajbmeb-294	187	136	services	service	NOUN
ajbmeb-294	187	137	,	,	PUNCT
ajbmeb-294	187	138	the	the	DET
ajbmeb-294	187	139	bank	bank	NOUN
ajbmeb-294	187	140	gains	gain	VERB
ajbmeb-294	187	141	credibility	credibility	NOUN
ajbmeb-294	187	142	by	by	ADP
ajbmeb-294	187	143	using	use	VERB
ajbmeb-294	187	144	the	the	DET
ajbmeb-294	187	145	target	target	NOUN
ajbmeb-294	187	146	cost	cost	NOUN
ajbmeb-294	187	147	approach	approach	NOUN
ajbmeb-294	187	148	”	"	PUNCT
ajbmeb-294	187	149	,	,	PUNCT
ajbmeb-294	187	150	it	it	PRON
ajbmeb-294	187	151	ranked	rank	VERB
ajbmeb-294	187	152	last	last	ADJ
ajbmeb-294	187	153	with	with	ADP
ajbmeb-294	187	154	an	an	DET
ajbmeb-294	187	155	arithmetic	arithmetic	ADJ
ajbmeb-294	187	156	average	average	NOUN
ajbmeb-294	187	157	(	(	PUNCT
ajbmeb-294	187	158	3.33	3.33	NUM
ajbmeb-294	187	159	)	)	PUNCT
ajbmeb-294	187	160	,	,	PUNCT
ajbmeb-294	187	161	which	which	PRON
ajbmeb-294	187	162	is	be	AUX
ajbmeb-294	187	163	lower	low	ADJ
ajbmeb-294	187	164	than	than	ADP
ajbmeb-294	187	165	the	the	DET
ajbmeb-294	187	166	overall	overall	ADJ
ajbmeb-294	187	167	arithmetic	arithmetic	ADJ
ajbmeb-294	187	168	mean	mean	NOUN
ajbmeb-294	187	169	of	of	ADP
ajbmeb-294	187	170	(	(	PUNCT
ajbmeb-294	187	171	3.79	3.79	NUM
ajbmeb-294	187	172	)	)	PUNCT
ajbmeb-294	187	173	,	,	PUNCT
ajbmeb-294	187	174	with	with	ADP
ajbmeb-294	187	175	a	a	DET
ajbmeb-294	187	176	standard	standard	ADJ
ajbmeb-294	187	177	deviation	deviation	NOUN
ajbmeb-294	187	178	of	of	ADP
ajbmeb-294	187	179	(	(	PUNCT
ajbmeb-294	187	180	0.024	0.024	NUM
ajbmeb-294	187	181	)	)	PUNCT
ajbmeb-294	187	182	.	.	PUNCT
ajbmeb-294	188	1	2	2	NUM
ajbmeb-294	188	2	dimensions	dimension	NOUN
ajbmeb-294	188	3	of	of	ADP
ajbmeb-294	188	4	the	the	DET
ajbmeb-294	188	5	dependent	dependent	ADJ
ajbmeb-294	188	6	variable	variable	NOUN
ajbmeb-294	188	7	related	relate	VERB
ajbmeb-294	188	8	to	to	ADP
ajbmeb-294	188	9	sustainable	sustainable	ADJ
ajbmeb-294	188	10	competitive	competitive	ADJ
ajbmeb-294	188	11	advantage	advantage	NOUN
ajbmeb-294	188	12	:	:	PUNCT
ajbmeb-294	188	13	to	to	PART
ajbmeb-294	188	14	describe	describe	VERB
ajbmeb-294	188	15	and	and	CCONJ
ajbmeb-294	188	16	analyze	analyze	VERB
ajbmeb-294	188	17	the	the	DET
ajbmeb-294	188	18	dimensions	dimension	NOUN
ajbmeb-294	188	19	of	of	ADP
ajbmeb-294	188	20	the	the	DET
ajbmeb-294	188	21	dependent	dependent	ADJ
ajbmeb-294	188	22	variable	variable	NOUN
ajbmeb-294	188	23	,	,	PUNCT
ajbmeb-294	188	24	which	which	PRON
ajbmeb-294	188	25	is	be	AUX
ajbmeb-294	188	26	the	the	DET
ajbmeb-294	188	27	competitive	competitive	ADJ
ajbmeb-294	188	28	advantage	advantage	NOUN
ajbmeb-294	188	29	(	(	PUNCT
ajbmeb-294	188	30	cost	cost	NOUN
ajbmeb-294	188	31	,	,	PUNCT
ajbmeb-294	188	32	quality	quality	NOUN
ajbmeb-294	188	33	,	,	PUNCT
ajbmeb-294	188	34	creativity	creativity	NOUN
ajbmeb-294	188	35	,	,	PUNCT
ajbmeb-294	188	36	flexibility	flexibility	NOUN
ajbmeb-294	188	37	,	,	PUNCT
ajbmeb-294	188	38	time	time	NOUN
ajbmeb-294	188	39	)	)	PUNCT
ajbmeb-294	188	40	,	,	PUNCT
ajbmeb-294	188	41	the	the	DET
ajbmeb-294	188	42	significance	significance	NOUN
ajbmeb-294	188	43	of	of	ADP
ajbmeb-294	188	44	each	each	DET
ajbmeb-294	188	45	paragraph	paragraph	NOUN
ajbmeb-294	188	46	,	,	PUNCT
ajbmeb-294	188	47	as	as	ADV
ajbmeb-294	188	48	well	well	ADV
ajbmeb-294	188	49	as	as	ADP
ajbmeb-294	188	50	the	the	DET
ajbmeb-294	188	51	arithmetic	arithmetic	ADJ
ajbmeb-294	188	52	mean	mean	NOUN
ajbmeb-294	188	53	and	and	CCONJ
ajbmeb-294	188	54	standard	standard	ADJ
ajbmeb-294	188	55	deviation	deviation	NOUN
ajbmeb-294	188	56	,	,	PUNCT
ajbmeb-294	188	57	were	be	AUX
ajbmeb-294	188	58	employed	employ	VERB
ajbmeb-294	188	59	.	.	PUNCT
ajbmeb-294	189	1	as	as	SCONJ
ajbmeb-294	189	2	shown	show	VERB
ajbmeb-294	189	3	in	in	ADP
ajbmeb-294	189	4	table	table	NOUN
ajbmeb-294	189	5	(	(	PUNCT
ajbmeb-294	189	6	4	4	NUM
ajbmeb-294	189	7	)	)	PUNCT
ajbmeb-294	189	8	related	relate	VERB
ajbmeb-294	189	9	to	to	ADP
ajbmeb-294	189	10	the	the	DET
ajbmeb-294	189	11	sub	sub	NOUN
ajbmeb-294	189	12	-	-	ADJ
ajbmeb-294	189	13	variable	variable	ADJ
ajbmeb-294	189	14	,	,	PUNCT
ajbmeb-294	189	15	which	which	PRON
ajbmeb-294	189	16	is	be	AUX
ajbmeb-294	189	17	cost	cost	NOUN
ajbmeb-294	189	18	,	,	PUNCT
ajbmeb-294	189	19	and	and	CCONJ
ajbmeb-294	189	20	table	table	NOUN
ajbmeb-294	189	21	no	no	INTJ
ajbmeb-294	189	22	.	.	PUNCT
ajbmeb-294	190	1	(	(	PUNCT
ajbmeb-294	190	2	5	5	NUM
ajbmeb-294	190	3	)	)	PUNCT
ajbmeb-294	190	4	related	relate	VERB
ajbmeb-294	190	5	to	to	ADP
ajbmeb-294	190	6	the	the	DET
ajbmeb-294	190	7	quality	quality	NOUN
ajbmeb-294	190	8	variable	variable	NOUN
ajbmeb-294	190	9	,	,	PUNCT
ajbmeb-294	190	10	as	as	ADV
ajbmeb-294	190	11	well	well	ADV
ajbmeb-294	190	12	as	as	ADP
ajbmeb-294	190	13	table	table	NOUN
ajbmeb-294	190	14	no	no	INTJ
ajbmeb-294	190	15	.	.	PUNCT
ajbmeb-294	191	1	(	(	PUNCT
ajbmeb-294	191	2	6	6	NUM
ajbmeb-294	191	3	)	)	PUNCT
ajbmeb-294	191	4	related	relate	VERB
ajbmeb-294	191	5	to	to	ADP
ajbmeb-294	191	6	the	the	DET
ajbmeb-294	191	7	creativity	creativity	NOUN
ajbmeb-294	191	8	variable	variable	NOUN
ajbmeb-294	191	9	,	,	PUNCT
ajbmeb-294	191	10	table	table	NOUN
ajbmeb-294	191	11	no	no	NOUN
ajbmeb-294	191	12	.	.	PUNCT
ajbmeb-294	192	1	(	(	PUNCT
ajbmeb-294	192	2	7	7	X
ajbmeb-294	192	3	)	)	PUNCT
ajbmeb-294	192	4	related	relate	VERB
ajbmeb-294	192	5	to	to	ADP
ajbmeb-294	192	6	flexibility	flexibility	NOUN
ajbmeb-294	192	7	,	,	PUNCT
ajbmeb-294	192	8	and	and	CCONJ
ajbmeb-294	192	9	table	table	NOUN
ajbmeb-294	192	10	no	no	INTJ
ajbmeb-294	192	11	.	.	PUNCT
ajbmeb-294	193	1	(	(	PUNCT
ajbmeb-294	193	2	8)	8)	NUM
ajbmeb-294	193	3	related	relate	VERB
ajbmeb-294	193	4	to	to	ADP
ajbmeb-294	193	5	the	the	DET
ajbmeb-294	193	6	time	time	NOUN
ajbmeb-294	193	7	variable	variable	NOUN
ajbmeb-294	193	8	,	,	PUNCT
ajbmeb-294	193	9	the	the	DET
ajbmeb-294	193	10	following	follow	VERB
ajbmeb-294	193	11	tables	table	NOUN
ajbmeb-294	193	12	also	also	ADV
ajbmeb-294	193	13	show	show	VERB
ajbmeb-294	193	14	the	the	DET
ajbmeb-294	193	15	order	order	NOUN
ajbmeb-294	193	16	of	of	ADP
ajbmeb-294	193	17	the	the	DET
ajbmeb-294	193	18	study	study	NOUN
ajbmeb-294	193	19	paragraphs	paragraph	NOUN
ajbmeb-294	193	20	according	accord	VERB
ajbmeb-294	193	21	to	to	ADP
ajbmeb-294	193	22	their	their	PRON
ajbmeb-294	193	23	importance	importance	NOUN
ajbmeb-294	193	24	from	from	ADP
ajbmeb-294	193	25	the	the	DET
ajbmeb-294	193	26	point	point	NOUN
ajbmeb-294	193	27	of	of	ADP
ajbmeb-294	193	28	view	view	NOUN
ajbmeb-294	193	29	of	of	ADP
ajbmeb-294	193	30	customers	customer	NOUN
ajbmeb-294	193	31	dealing	deal	VERB
ajbmeb-294	193	32	with	with	ADP
ajbmeb-294	193	33	dealers	dealer	NOUN
ajbmeb-294	193	34	with	with	ADP
ajbmeb-294	193	35	banks	bank	NOUN
ajbmeb-294	193	36	.	.	PUNCT
ajbmeb-294	194	1	the	the	DET
ajbmeb-294	194	2	tables	table	NOUN
ajbmeb-294	194	3	will	will	AUX
ajbmeb-294	194	4	also	also	ADV
ajbmeb-294	194	5	show	show	VERB
ajbmeb-294	194	6	the	the	DET
ajbmeb-294	194	7	level	level	NOUN
ajbmeb-294	194	8	of	of	ADP
ajbmeb-294	194	9	importance	importance	NOUN
ajbmeb-294	194	10	for	for	ADP
ajbmeb-294	194	11	each	each	DET
ajbmeb-294	194	12	paragraph	paragraph	NOUN
ajbmeb-294	194	13	according	accord	VERB
ajbmeb-294	194	14	to	to	ADP
ajbmeb-294	194	15	the	the	DET
ajbmeb-294	194	16	study	study	NOUN
ajbmeb-294	194	17	sample	sample	NOUN
ajbmeb-294	194	18	's	's	PART
ajbmeb-294	194	19	viewpoint	viewpoint	NOUN
ajbmeb-294	194	20	,	,	PUNCT
ajbmeb-294	194	21	as	as	SCONJ
ajbmeb-294	194	22	follows	follow	VERB
ajbmeb-294	194	23	:	:	PUNCT
ajbmeb-294	194	24	a	a	DET
ajbmeb-294	194	25	the	the	DET
ajbmeb-294	194	26	answers	answer	NOUN
ajbmeb-294	194	27	of	of	ADP
ajbmeb-294	194	28	the	the	DET
ajbmeb-294	194	29	study	study	NOUN
ajbmeb-294	194	30	sample	sample	NOUN
ajbmeb-294	194	31	to	to	ADP
ajbmeb-294	194	32	the	the	DET
ajbmeb-294	194	33	paragraphs	paragraph	NOUN
ajbmeb-294	194	34	of	of	ADP
ajbmeb-294	194	35	the	the	DET
ajbmeb-294	194	36	study	study	NOUN
ajbmeb-294	194	37	tool	tool	NOUN
ajbmeb-294	194	38	related	relate	VERB
ajbmeb-294	194	39	to	to	ADP
ajbmeb-294	194	40	the	the	DET
ajbmeb-294	194	41	cost	cost	NOUN
ajbmeb-294	194	42	variable	variable	ADJ
ajbmeb-294	194	43	table	table	NOUN
ajbmeb-294	194	44	no	no	INTJ
ajbmeb-294	194	45	.	.	PUNCT
ajbmeb-294	195	1	(	(	PUNCT
ajbmeb-294	195	2	4	4	X
ajbmeb-294	195	3	)	)	PUNCT
ajbmeb-294	195	4	the	the	DET
ajbmeb-294	195	5	cost	cost	NOUN
ajbmeb-294	195	6	variable	variable	NOUN
ajbmeb-294	195	7	's	's	PART
ajbmeb-294	195	8	mathematical	mathematical	ADJ
ajbmeb-294	195	9	mean	mean	NOUN
ajbmeb-294	195	10	and	and	CCONJ
ajbmeb-294	195	11	standard	standard	ADJ
ajbmeb-294	195	12	deviations	deviation	NOUN
ajbmeb-294	195	13	cost	cost	VERB
ajbmeb-294	195	14	variable	variable	ADJ
ajbmeb-294	195	15	paragraphs	paragraph	NOUN
ajbmeb-294	195	16	arithmetic	arithmetic	ADJ
ajbmeb-294	195	17	average	average	ADJ
ajbmeb-294	195	18	standard	standard	ADJ
ajbmeb-294	195	19	deviation	deviation	NOUN
ajbmeb-294	195	20	significance	significance	NOUN
ajbmeb-294	195	21	level	level	NOUN
ajbmeb-294	195	22	1	1	NUM
ajbmeb-294	195	23	the	the	DET
ajbmeb-294	195	24	bank	bank	NOUN
ajbmeb-294	195	25	has	have	VERB
ajbmeb-294	195	26	services	service	NOUN
ajbmeb-294	195	27	that	that	PRON
ajbmeb-294	195	28	have	have	VERB
ajbmeb-294	195	29	lower	low	ADJ
ajbmeb-294	195	30	costs	cost	NOUN
ajbmeb-294	195	31	than	than	ADP
ajbmeb-294	195	32	the	the	DET
ajbmeb-294	195	33	competitors	competitor	NOUN
ajbmeb-294	195	34	.	.	PUNCT
ajbmeb-294	196	1	3.47	3.47	NUM
ajbmeb-294	196	2	0.939	0.939	NUM
ajbmeb-294	196	3	average	average	ADJ
ajbmeb-294	196	4	2	2	NUM
ajbmeb-294	196	5	the	the	DET
ajbmeb-294	196	6	bank	bank	NOUN
ajbmeb-294	196	7	seeks	seek	VERB
ajbmeb-294	196	8	to	to	PART
ajbmeb-294	196	9	reduce	reduce	VERB
ajbmeb-294	196	10	the	the	DET
ajbmeb-294	196	11	costs	cost	NOUN
ajbmeb-294	196	12	of	of	ADP
ajbmeb-294	196	13	services	service	NOUN
ajbmeb-294	196	14	.	.	PUNCT
ajbmeb-294	197	1	3.90	3.90	NUM
ajbmeb-294	197	2	0.834	0.834	NUM
ajbmeb-294	197	3	elevated	elevated	ADJ
ajbmeb-294	197	4	3	3	NUM
ajbmeb-294	197	5	reaching	reach	VERB
ajbmeb-294	197	6	the	the	DET
ajbmeb-294	197	7	volume	volume	NOUN
ajbmeb-294	197	8	of	of	ADP
ajbmeb-294	197	9	production	production	NOUN
ajbmeb-294	197	10	of	of	ADP
ajbmeb-294	197	11	services	service	NOUN
ajbmeb-294	197	12	in	in	ADP
ajbmeb-294	197	13	proportion	proportion	NOUN
ajbmeb-294	197	14	to	to	ADP
ajbmeb-294	197	15	the	the	DET
ajbmeb-294	197	16	cost	cost	NOUN
ajbmeb-294	197	17	.	.	PUNCT
ajbmeb-294	198	1	3.81	3.81	NUM
ajbmeb-294	198	2	0.890	0.890	NUM
ajbmeb-294	198	3	average	average	ADJ
ajbmeb-294	198	4	4	4	NUM
ajbmeb-294	198	5	the	the	DET
ajbmeb-294	198	6	bank	bank	NOUN
ajbmeb-294	198	7	uses	use	VERB
ajbmeb-294	198	8	research	research	NOUN
ajbmeb-294	198	9	and	and	CCONJ
ajbmeb-294	198	10	development	development	NOUN
ajbmeb-294	198	11	policies	policy	NOUN
ajbmeb-294	198	12	to	to	PART
ajbmeb-294	198	13	reduce	reduce	VERB
ajbmeb-294	198	14	costs	cost	NOUN
ajbmeb-294	198	15	.	.	PUNCT
ajbmeb-294	199	1	3.49	3.49	NUM
ajbmeb-294	199	2	1.188	1.188	NUM
ajbmeb-294	199	3	elevated	elevate	VERB
ajbmeb-294	199	4	5	5	NUM
ajbmeb-294	199	5	the	the	DET
ajbmeb-294	199	6	bank	bank	NOUN
ajbmeb-294	199	7	's	's	PART
ajbmeb-294	199	8	employees	employee	NOUN
ajbmeb-294	199	9	have	have	VERB
ajbmeb-294	199	10	extensive	extensive	ADJ
ajbmeb-294	199	11	experience	experience	NOUN
ajbmeb-294	199	12	in	in	ADP
ajbmeb-294	199	13	banking	banking	NOUN
ajbmeb-294	199	14	operations	operation	NOUN
ajbmeb-294	199	15	.	.	PUNCT
ajbmeb-294	200	1	3.74	3.74	NUM
ajbmeb-294	200	2	0.974	0.974	NUM
ajbmeb-294	200	3	elevated	elevated	ADJ
ajbmeb-294	200	4	6	6	NUM
ajbmeb-294	200	5	censorship	censorship	NOUN
ajbmeb-294	200	6	of	of	ADP
ajbmeb-294	200	7	operations	operation	NOUN
ajbmeb-294	200	8	leads	lead	VERB
ajbmeb-294	200	9	to	to	ADP
ajbmeb-294	200	10	lower	low	ADJ
ajbmeb-294	200	11	costs	cost	NOUN
ajbmeb-294	200	12	.	.	PUNCT
ajbmeb-294	201	1	3.55	3.55	NUM
ajbmeb-294	201	2	1.004	1.004	NUM
ajbmeb-294	201	3	average	average	NOUN
ajbmeb-294	201	4	7	7	NUM
ajbmeb-294	201	5	the	the	DET
ajbmeb-294	201	6	bank	bank	NOUN
ajbmeb-294	201	7	has	have	VERB
ajbmeb-294	201	8	the	the	DET
ajbmeb-294	201	9	ability	ability	NOUN
ajbmeb-294	201	10	to	to	PART
ajbmeb-294	201	11	control	control	VERB
ajbmeb-294	201	12	costs	cost	NOUN
ajbmeb-294	201	13	when	when	SCONJ
ajbmeb-294	201	14	serving	serve	VERB
ajbmeb-294	201	15	specific	specific	ADJ
ajbmeb-294	201	16	customers	customer	NOUN
ajbmeb-294	201	17	.	.	PUNCT
ajbmeb-294	202	1	3.52	3.52	NUM
ajbmeb-294	202	2	0.923	0.923	NUM
ajbmeb-294	202	3	average	average	ADJ
ajbmeb-294	202	4	total	total	NOUN
ajbmeb-294	202	5	3.65	3.65	NUM
ajbmeb-294	202	6	0.629	0.629	NUM
ajbmeb-294	202	7	average	average	ADJ
ajbmeb-294	202	8	source	source	NOUN
ajbmeb-294	202	9	:	:	PUNCT
ajbmeb-294	202	10	using	use	VERB
ajbmeb-294	202	11	the	the	DET
ajbmeb-294	202	12	statistical	statistical	ADJ
ajbmeb-294	202	13	program	program	NOUN
ajbmeb-294	202	14	(	(	PUNCT
ajbmeb-294	202	15	spss	spss	PROPN
ajbmeb-294	202	16	)	)	PUNCT
ajbmeb-294	202	17	and	and	CCONJ
ajbmeb-294	202	18	(	(	PUNCT
ajbmeb-294	202	19	excel	excel	PROPN
ajbmeb-294	202	20	)	)	PUNCT
ajbmeb-294	202	21	.	.	PUNCT
ajbmeb-294	203	1	table	table	NOUN
ajbmeb-294	203	2	(	(	PUNCT
ajbmeb-294	203	3	4	4	NUM
ajbmeb-294	203	4	)	)	PUNCT
ajbmeb-294	203	5	indicates	indicate	VERB
ajbmeb-294	203	6	the	the	DET
ajbmeb-294	203	7	respondents	respondent	NOUN
ajbmeb-294	203	8	'	'	PART
ajbmeb-294	203	9	answers	answer	NOUN
ajbmeb-294	203	10	to	to	ADP
ajbmeb-294	203	11	the	the	DET
ajbmeb-294	203	12	statements	statement	NOUN
ajbmeb-294	203	13	related	relate	VERB
ajbmeb-294	203	14	to	to	ADP
ajbmeb-294	203	15	the	the	DET
ajbmeb-294	203	16	cost	cost	NOUN
ajbmeb-294	203	17	variable	variable	NOUN
ajbmeb-294	203	18	,	,	PUNCT
ajbmeb-294	203	19	as	as	SCONJ
ajbmeb-294	203	20	the	the	DET
ajbmeb-294	203	21	arithmetic	arithmetic	ADJ
ajbmeb-294	203	22	averages	average	NOUN
ajbmeb-294	203	23	for	for	ADP
ajbmeb-294	203	24	this	this	DET
ajbmeb-294	203	25	variable	variable	NOUN
ajbmeb-294	203	26	ranged	range	VERB
ajbmeb-294	203	27	between	between	ADP
ajbmeb-294	203	28	(	(	PUNCT
ajbmeb-294	203	29	3.47	3.47	NUM
ajbmeb-294	203	30	3.90	3.90	NUM
ajbmeb-294	203	31	)	)	PUNCT
ajbmeb-294	203	32	,	,	PUNCT
ajbmeb-294	203	33	the	the	DET
ajbmeb-294	203	34	study	study	NOUN
ajbmeb-294	203	35	sample	sample	NOUN
ajbmeb-294	203	36	's	's	PART
ajbmeb-294	203	37	high	high	ADJ
ajbmeb-294	203	38	and	and	CCONJ
ajbmeb-294	203	39	medium	medium	NOUN
ajbmeb-294	203	40	levels	level	NOUN
ajbmeb-294	203	41	are	be	AUX
ajbmeb-294	203	42	shown	show	VERB
ajbmeb-294	203	43	by	by	ADP
ajbmeb-294	203	44	its	its	PRON
ajbmeb-294	203	45	overall	overall	ADJ
ajbmeb-294	203	46	average	average	NOUN
ajbmeb-294	203	47	on	on	ADP
ajbmeb-294	203	48	the	the	DET
ajbmeb-294	203	49	likert	likert	ADJ
ajbmeb-294	203	50	scale	scale	NOUN
ajbmeb-294	203	51	,	,	PUNCT
ajbmeb-294	203	52	which	which	PRON
ajbmeb-294	203	53	is	be	AUX
ajbmeb-294	203	54	(	(	PUNCT
ajbmeb-294	203	55	3.65	3.65	NUM
ajbmeb-294	203	56	)	)	PUNCT
ajbmeb-294	203	57	.	.	PUNCT
ajbmeb-294	204	1	responses	response	NOUN
ajbmeb-294	204	2	to	to	ADP
ajbmeb-294	204	3	the	the	DET
ajbmeb-294	204	4	american	american	ADJ
ajbmeb-294	204	5	journal	journal	PROPN
ajbmeb-294	204	6	of	of	ADP
ajbmeb-294	204	7	business	business	NOUN
ajbmeb-294	204	8	management	management	NOUN
ajbmeb-294	204	9	,	,	PUNCT
ajbmeb-294	204	10	economics	economic	NOUN
ajbmeb-294	204	11	and	and	CCONJ
ajbmeb-294	204	12	banking	banking	NOUN
ajbmeb-294	204	13	volume	volume	NOUN
ajbmeb-294	204	14	8	8	NUM
ajbmeb-294	204	15	,	,	PUNCT
ajbmeb-294	204	16	jan	jan	PROPN
ajbmeb-294	204	17	.	.	PROPN
ajbmeb-294	204	18	,	,	PUNCT
ajbmeb-294	204	19	2023	2023	NUM
ajbmeb-294	204	20	p	p	NOUN
ajbmeb-294	204	21	a	a	DET
ajbmeb-294	204	22	g	g	NOUN
ajbmeb-294	204	23	e	e	NOUN
ajbmeb-294	204	24	|	|	ADV
ajbmeb-294	204	25	32	32	NUM
ajbmeb-294	204	26	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	204	27	questionnaire	questionnaire	NOUN
ajbmeb-294	204	28	items	item	NOUN
ajbmeb-294	204	29	related	relate	VERB
ajbmeb-294	204	30	to	to	ADP
ajbmeb-294	204	31	the	the	DET
ajbmeb-294	204	32	cost	cost	NOUN
ajbmeb-294	204	33	variable	variable	NOUN
ajbmeb-294	204	34	,	,	PUNCT
ajbmeb-294	204	35	in	in	ADP
ajbmeb-294	204	36	the	the	DET
ajbmeb-294	204	37	first	first	ADJ
ajbmeb-294	204	38	place	place	NOUN
ajbmeb-294	204	39	came	come	VERB
ajbmeb-294	204	40	a	a	DET
ajbmeb-294	204	41	paragraph	paragraph	NOUN
ajbmeb-294	204	42	,	,	PUNCT
ajbmeb-294	204	43	“	"	PUNCT
ajbmeb-294	204	44	the	the	DET
ajbmeb-294	204	45	bank	bank	NOUN
ajbmeb-294	204	46	seeks	seek	VERB
ajbmeb-294	204	47	to	to	PART
ajbmeb-294	204	48	reduce	reduce	VERB
ajbmeb-294	204	49	the	the	DET
ajbmeb-294	204	50	costs	cost	NOUN
ajbmeb-294	204	51	of	of	ADP
ajbmeb-294	204	52	services	service	NOUN
ajbmeb-294	204	53	”	"	PUNCT
ajbmeb-294	204	54	the	the	DET
ajbmeb-294	204	55	arithmetic	arithmetic	ADJ
ajbmeb-294	204	56	mean	mean	NOUN
ajbmeb-294	204	57	(	(	PUNCT
ajbmeb-294	204	58	3.90	3.90	NUM
ajbmeb-294	204	59	)	)	PUNCT
ajbmeb-294	204	60	is	be	AUX
ajbmeb-294	204	61	greater	great	ADJ
ajbmeb-294	204	62	than	than	ADP
ajbmeb-294	204	63	the	the	DET
ajbmeb-294	204	64	general	general	ADJ
ajbmeb-294	204	65	arithmetic	arithmetic	ADJ
ajbmeb-294	204	66	mean	mean	NOUN
ajbmeb-294	204	67	(	(	PUNCT
ajbmeb-294	204	68	3.65	3.65	NUM
ajbmeb-294	204	69	)	)	PUNCT
ajbmeb-294	204	70	,	,	PUNCT
ajbmeb-294	204	71	with	with	ADP
ajbmeb-294	204	72	a	a	DET
ajbmeb-294	204	73	standard	standard	ADJ
ajbmeb-294	204	74	deviation	deviation	NOUN
ajbmeb-294	204	75	of	of	ADP
ajbmeb-294	204	76	(	(	PUNCT
ajbmeb-294	204	77	0.629	0.629	NUM
ajbmeb-294	204	78	)	)	PUNCT
ajbmeb-294	204	79	,	,	PUNCT
ajbmeb-294	204	80	while	while	SCONJ
ajbmeb-294	204	81	the	the	DET
ajbmeb-294	204	82	paragraph	paragraph	NOUN
ajbmeb-294	204	83	“	"	PUNCT
ajbmeb-294	204	84	the	the	DET
ajbmeb-294	204	85	bank	bank	NOUN
ajbmeb-294	204	86	has	have	VERB
ajbmeb-294	204	87	services	service	NOUN
ajbmeb-294	204	88	with	with	ADP
ajbmeb-294	204	89	lower	low	ADJ
ajbmeb-294	204	90	costs	cost	NOUN
ajbmeb-294	204	91	than	than	ADP
ajbmeb-294	204	92	competitors	competitor	NOUN
ajbmeb-294	204	93	”	"	PUNCT
ajbmeb-294	204	94	ranked	rank	VERB
ajbmeb-294	204	95	last	last	ADV
ajbmeb-294	204	96	with	with	ADP
ajbmeb-294	204	97	an	an	DET
ajbmeb-294	204	98	arithmetic	arithmetic	ADJ
ajbmeb-294	204	99	mean	mean	NOUN
ajbmeb-294	204	100	of	of	ADP
ajbmeb-294	204	101	(	(	PUNCT
ajbmeb-294	204	102	3.47	3.47	NUM
ajbmeb-294	204	103	)	)	PUNCT
ajbmeb-294	204	104	,	,	PUNCT
ajbmeb-294	204	105	which	which	PRON
ajbmeb-294	204	106	is	be	AUX
ajbmeb-294	204	107	lower	low	ADJ
ajbmeb-294	204	108	than	than	ADP
ajbmeb-294	204	109	the	the	DET
ajbmeb-294	204	110	total	total	ADJ
ajbmeb-294	204	111	arithmetic	arithmetic	ADJ
ajbmeb-294	204	112	mean	mean	NOUN
ajbmeb-294	204	113	of	of	ADP
ajbmeb-294	204	114	(	(	PUNCT
ajbmeb-294	204	115	3.65	3.65	NUM
ajbmeb-294	204	116	)	)	PUNCT
ajbmeb-294	204	117	and	and	CCONJ
ajbmeb-294	204	118	with	with	ADP
ajbmeb-294	204	119	a	a	DET
ajbmeb-294	204	120	standard	standard	ADJ
ajbmeb-294	204	121	deviation	deviation	NOUN
ajbmeb-294	204	122	of	of	ADP
ajbmeb-294	204	123	(	(	PUNCT
ajbmeb-294	204	124	0.629	0.629	NUM
ajbmeb-294	204	125	)	)	PUNCT
ajbmeb-294	204	126	.	.	PUNCT
ajbmeb-294	205	1	bthe	bthe	DET
ajbmeb-294	205	2	answers	answer	NOUN
ajbmeb-294	205	3	of	of	ADP
ajbmeb-294	205	4	the	the	DET
ajbmeb-294	205	5	study	study	NOUN
ajbmeb-294	205	6	sample	sample	NOUN
ajbmeb-294	205	7	to	to	ADP
ajbmeb-294	205	8	the	the	DET
ajbmeb-294	205	9	paragraphs	paragraph	NOUN
ajbmeb-294	205	10	of	of	ADP
ajbmeb-294	205	11	the	the	DET
ajbmeb-294	205	12	study	study	NOUN
ajbmeb-294	205	13	tool	tool	NOUN
ajbmeb-294	205	14	related	relate	VERB
ajbmeb-294	205	15	to	to	ADP
ajbmeb-294	205	16	the	the	DET
ajbmeb-294	205	17	quality	quality	NOUN
ajbmeb-294	205	18	variable	variable	ADJ
ajbmeb-294	205	19	table	table	NOUN
ajbmeb-294	205	20	no	no	INTJ
ajbmeb-294	205	21	.	.	PUNCT
ajbmeb-294	206	1	(	(	PUNCT
ajbmeb-294	206	2	5	5	X
ajbmeb-294	206	3	)	)	PUNCT
ajbmeb-294	206	4	arithmetic	arithmetic	ADJ
ajbmeb-294	206	5	means	mean	NOUN
ajbmeb-294	206	6	and	and	CCONJ
ajbmeb-294	206	7	standard	standard	ADJ
ajbmeb-294	206	8	deviations	deviation	NOUN
ajbmeb-294	206	9	for	for	ADP
ajbmeb-294	206	10	the	the	DET
ajbmeb-294	206	11	quality	quality	NOUN
ajbmeb-294	206	12	variable	variable	ADJ
ajbmeb-294	206	13	paragraphs	paragraph	NOUN
ajbmeb-294	206	14	of	of	ADP
ajbmeb-294	206	15	the	the	DET
ajbmeb-294	206	16	quality	quality	NOUN
ajbmeb-294	206	17	variable	variable	ADJ
ajbmeb-294	206	18	arithmetic	arithmetic	ADJ
ajbmeb-294	206	19	average	average	ADJ
ajbmeb-294	206	20	standard	standard	ADJ
ajbmeb-294	206	21	deviation	deviation	NOUN
ajbmeb-294	206	22	significance	significance	NOUN
ajbmeb-294	206	23	level	level	NOUN
ajbmeb-294	206	24	1	1	NUM
ajbmeb-294	206	25	the	the	DET
ajbmeb-294	206	26	bank	bank	NOUN
ajbmeb-294	206	27	has	have	VERB
ajbmeb-294	206	28	the	the	DET
ajbmeb-294	206	29	quality	quality	NOUN
ajbmeb-294	206	30	that	that	PRON
ajbmeb-294	206	31	enables	enable	VERB
ajbmeb-294	206	32	it	it	PRON
ajbmeb-294	206	33	to	to	PART
ajbmeb-294	206	34	obtain	obtain	VERB
ajbmeb-294	206	35	a	a	DET
ajbmeb-294	206	36	suitable	suitable	ADJ
ajbmeb-294	206	37	market	market	NOUN
ajbmeb-294	206	38	share	share	NOUN
ajbmeb-294	206	39	.	.	PUNCT
ajbmeb-294	207	1	3.98	3.98	NUM
ajbmeb-294	207	2	0.842	0.842	NUM
ajbmeb-294	207	3	elevated	elevated	ADJ
ajbmeb-294	207	4	2	2	NUM
ajbmeb-294	207	5	the	the	DET
ajbmeb-294	207	6	bank	bank	NOUN
ajbmeb-294	207	7	seeks	seek	VERB
ajbmeb-294	207	8	to	to	PART
ajbmeb-294	207	9	match	match	VERB
ajbmeb-294	207	10	the	the	DET
ajbmeb-294	207	11	quality	quality	NOUN
ajbmeb-294	207	12	of	of	ADP
ajbmeb-294	207	13	services	service	NOUN
ajbmeb-294	207	14	with	with	ADP
ajbmeb-294	207	15	the	the	DET
ajbmeb-294	207	16	expectations	expectation	NOUN
ajbmeb-294	207	17	of	of	ADP
ajbmeb-294	207	18	customers	customer	NOUN
ajbmeb-294	207	19	.	.	PUNCT
ajbmeb-294	208	1	3.96	3.96	NUM
ajbmeb-294	208	2	0.838	0.838	NUM
ajbmeb-294	208	3	elevated	elevated	ADJ
ajbmeb-294	208	4	3	3	NUM
ajbmeb-294	208	5	the	the	DET
ajbmeb-294	208	6	bank	bank	NOUN
ajbmeb-294	208	7	improves	improve	VERB
ajbmeb-294	208	8	the	the	DET
ajbmeb-294	208	9	quality	quality	NOUN
ajbmeb-294	208	10	of	of	ADP
ajbmeb-294	208	11	services	service	NOUN
ajbmeb-294	208	12	through	through	ADP
ajbmeb-294	208	13	customer	customer	NOUN
ajbmeb-294	208	14	complaints	complaint	NOUN
ajbmeb-294	208	15	.	.	PUNCT
ajbmeb-294	209	1	4.00	4.00	NUM
ajbmeb-294	209	2	0.951	0.951	NUM
ajbmeb-294	209	3	elevated	elevate	VERB
ajbmeb-294	209	4	4	4	NUM
ajbmeb-294	209	5	the	the	DET
ajbmeb-294	209	6	bank	bank	NOUN
ajbmeb-294	209	7	maintains	maintain	VERB
ajbmeb-294	209	8	the	the	DET
ajbmeb-294	209	9	quality	quality	NOUN
ajbmeb-294	209	10	of	of	ADP
ajbmeb-294	209	11	its	its	PRON
ajbmeb-294	209	12	services	service	NOUN
ajbmeb-294	209	13	through	through	ADP
ajbmeb-294	209	14	appropriate	appropriate	ADJ
ajbmeb-294	209	15	handling	handling	NOUN
ajbmeb-294	209	16	means	mean	NOUN
ajbmeb-294	209	17	.	.	PUNCT
ajbmeb-294	210	1	3.71	3.71	NUM
ajbmeb-294	210	2	1.022	1.022	NUM
ajbmeb-294	210	3	elevated	elevate	VERB
ajbmeb-294	210	4	5	5	NUM
ajbmeb-294	210	5	the	the	DET
ajbmeb-294	210	6	bank	bank	NOUN
ajbmeb-294	210	7	has	have	VERB
ajbmeb-294	210	8	a	a	DET
ajbmeb-294	210	9	clear	clear	ADJ
ajbmeb-294	210	10	policy	policy	NOUN
ajbmeb-294	210	11	for	for	ADP
ajbmeb-294	210	12	providing	provide	VERB
ajbmeb-294	210	13	services	service	NOUN
ajbmeb-294	210	14	.	.	PUNCT
ajbmeb-294	211	1	3.55	3.55	NUM
ajbmeb-294	211	2	0.310	0.310	NUM
ajbmeb-294	211	3	average	average	NOUN
ajbmeb-294	211	4	6	6	NUM
ajbmeb-294	211	5	the	the	DET
ajbmeb-294	211	6	employees	employee	NOUN
ajbmeb-294	211	7	in	in	ADP
ajbmeb-294	211	8	the	the	DET
ajbmeb-294	211	9	bank	bank	NOUN
ajbmeb-294	211	10	have	have	VERB
ajbmeb-294	211	11	a	a	DET
ajbmeb-294	211	12	culture	culture	NOUN
ajbmeb-294	211	13	around	around	ADP
ajbmeb-294	211	14	quality	quality	NOUN
ajbmeb-294	211	15	.	.	PUNCT
ajbmeb-294	212	1	3.35	3.35	NUM
ajbmeb-294	212	2	1.170	1.170	NUM
ajbmeb-294	212	3	average	average	NOUN
ajbmeb-294	212	4	7	7	NUM
ajbmeb-294	212	5	the	the	DET
ajbmeb-294	212	6	bank	bank	NOUN
ajbmeb-294	212	7	adheres	adhere	VERB
ajbmeb-294	212	8	to	to	ADP
ajbmeb-294	212	9	international	international	ADJ
ajbmeb-294	212	10	standards	standard	NOUN
ajbmeb-294	212	11	of	of	ADP
ajbmeb-294	212	12	banking	banking	NOUN
ajbmeb-294	212	13	quality	quality	NOUN
ajbmeb-294	212	14	.	.	PUNCT
ajbmeb-294	213	1	3.90	3.90	NUM
ajbmeb-294	213	2	0.984	0.984	NUM
ajbmeb-294	213	3	elevated	elevated	ADJ
ajbmeb-294	213	4	total	total	ADJ
ajbmeb-294	213	5	3.79	3.79	NUM
ajbmeb-294	213	6	0.745	0.745	NUM
ajbmeb-294	213	7	elevated	elevated	ADJ
ajbmeb-294	213	8	source	source	NOUN
ajbmeb-294	213	9	:	:	PUNCT
ajbmeb-294	213	10	using	use	VERB
ajbmeb-294	213	11	the	the	DET
ajbmeb-294	213	12	statistical	statistical	ADJ
ajbmeb-294	213	13	program	program	NOUN
ajbmeb-294	213	14	(	(	PUNCT
ajbmeb-294	213	15	spss	spss	PROPN
ajbmeb-294	213	16	)	)	PUNCT
ajbmeb-294	213	17	and	and	CCONJ
ajbmeb-294	213	18	(	(	PUNCT
ajbmeb-294	213	19	excel	excel	PROPN
ajbmeb-294	213	20	)	)	PUNCT
ajbmeb-294	213	21	.	.	PUNCT
ajbmeb-294	214	1	table	table	NOUN
ajbmeb-294	214	2	(	(	PUNCT
ajbmeb-294	214	3	5	5	NUM
ajbmeb-294	214	4	)	)	PUNCT
ajbmeb-294	214	5	indicates	indicate	VERB
ajbmeb-294	214	6	the	the	DET
ajbmeb-294	214	7	respondents	respondent	NOUN
ajbmeb-294	214	8	'	'	PART
ajbmeb-294	214	9	answers	answer	NOUN
ajbmeb-294	214	10	to	to	ADP
ajbmeb-294	214	11	the	the	DET
ajbmeb-294	214	12	statements	statement	NOUN
ajbmeb-294	214	13	related	relate	VERB
ajbmeb-294	214	14	to	to	ADP
ajbmeb-294	214	15	the	the	DET
ajbmeb-294	214	16	quality	quality	NOUN
ajbmeb-294	214	17	variable	variable	NOUN
ajbmeb-294	214	18	,	,	PUNCT
ajbmeb-294	214	19	as	as	ADP
ajbmeb-294	214	20	the	the	DET
ajbmeb-294	214	21	arithmetic	arithmetic	ADJ
ajbmeb-294	214	22	means	mean	NOUN
ajbmeb-294	214	23	for	for	SCONJ
ajbmeb-294	214	24	this	this	DET
ajbmeb-294	214	25	variable	variable	NOUN
ajbmeb-294	214	26	ranged	range	VERB
ajbmeb-294	214	27	between	between	ADP
ajbmeb-294	214	28	(	(	PUNCT
ajbmeb-294	214	29	3.35	3.35	NUM
ajbmeb-294	214	30	4.00	4.00	NUM
ajbmeb-294	214	31	)	)	PUNCT
ajbmeb-294	214	32	,	,	PUNCT
ajbmeb-294	214	33	with	with	ADP
ajbmeb-294	214	34	a	a	DET
ajbmeb-294	214	35	total	total	ADJ
ajbmeb-294	214	36	mean	mean	NOUN
ajbmeb-294	214	37	of	of	ADP
ajbmeb-294	214	38	(	(	PUNCT
ajbmeb-294	214	39	3.79	3.79	NUM
ajbmeb-294	214	40	)	)	PUNCT
ajbmeb-294	214	41	on	on	ADP
ajbmeb-294	214	42	a	a	DET
ajbmeb-294	214	43	likert	likert	ADJ
ajbmeb-294	214	44	scale	scale	NOUN
ajbmeb-294	214	45	,	,	PUNCT
ajbmeb-294	214	46	the	the	DET
ajbmeb-294	214	47	study	study	NOUN
ajbmeb-294	214	48	sample	sample	NOUN
ajbmeb-294	214	49	responded	respond	VERB
ajbmeb-294	214	50	to	to	ADP
ajbmeb-294	214	51	the	the	DET
ajbmeb-294	214	52	questionnaire	questionnaire	NOUN
ajbmeb-294	214	53	questions	question	NOUN
ajbmeb-294	214	54	connected	connect	VERB
ajbmeb-294	214	55	to	to	ADP
ajbmeb-294	214	56	the	the	DET
ajbmeb-294	214	57	quality	quality	NOUN
ajbmeb-294	214	58	characteristic	characteristic	ADJ
ajbmeb-294	214	59	at	at	ADP
ajbmeb-294	214	60	a	a	DET
ajbmeb-294	214	61	high	high	ADJ
ajbmeb-294	214	62	and	and	CCONJ
ajbmeb-294	214	63	medium	medium	ADJ
ajbmeb-294	214	64	level	level	NOUN
ajbmeb-294	214	65	,	,	PUNCT
ajbmeb-294	214	66	the	the	DET
ajbmeb-294	214	67	paragraph	paragraph	NOUN
ajbmeb-294	214	68	“	"	PUNCT
ajbmeb-294	214	69	the	the	DET
ajbmeb-294	214	70	bank	bank	NOUN
ajbmeb-294	214	71	develops	develop	VERB
ajbmeb-294	214	72	the	the	DET
ajbmeb-294	214	73	quality	quality	NOUN
ajbmeb-294	214	74	of	of	ADP
ajbmeb-294	214	75	services	service	NOUN
ajbmeb-294	214	76	through	through	ADP
ajbmeb-294	214	77	customer	customer	NOUN
ajbmeb-294	214	78	complaints	complaint	NOUN
ajbmeb-294	214	79	”	"	PUNCT
ajbmeb-294	214	80	ranked	rank	VERB
ajbmeb-294	214	81	first	first	ADV
ajbmeb-294	214	82	,	,	PUNCT
ajbmeb-294	214	83	the	the	DET
ajbmeb-294	214	84	arithmetic	arithmetic	ADJ
ajbmeb-294	214	85	mean	mean	NOUN
ajbmeb-294	214	86	(	(	PUNCT
ajbmeb-294	214	87	4.00	4.00	NUM
ajbmeb-294	214	88	)	)	PUNCT
ajbmeb-294	214	89	,	,	PUNCT
ajbmeb-294	214	90	greater	great	ADJ
ajbmeb-294	214	91	than	than	ADP
ajbmeb-294	214	92	the	the	DET
ajbmeb-294	214	93	general	general	ADJ
ajbmeb-294	214	94	arithmetic	arithmetic	ADJ
ajbmeb-294	214	95	mean	mean	NOUN
ajbmeb-294	214	96	(	(	PUNCT
ajbmeb-294	214	97	3.79	3.79	NUM
ajbmeb-294	214	98	)	)	PUNCT
ajbmeb-294	214	99	,	,	PUNCT
ajbmeb-294	214	100	and	and	CCONJ
ajbmeb-294	214	101	the	the	DET
ajbmeb-294	214	102	standard	standard	ADJ
ajbmeb-294	214	103	deviation	deviation	NOUN
ajbmeb-294	214	104	(	(	PUNCT
ajbmeb-294	214	105	0.745	0.745	NUM
ajbmeb-294	214	106	)	)	PUNCT
ajbmeb-294	214	107	.	.	PUNCT
ajbmeb-294	215	1	while	while	SCONJ
ajbmeb-294	215	2	the	the	DET
ajbmeb-294	215	3	paragraph	paragraph	NOUN
ajbmeb-294	215	4	"	"	PUNCT
ajbmeb-294	215	5	employees	employee	NOUN
ajbmeb-294	215	6	in	in	ADP
ajbmeb-294	215	7	the	the	DET
ajbmeb-294	215	8	bank	bank	NOUN
ajbmeb-294	215	9	have	have	VERB
ajbmeb-294	215	10	a	a	DET
ajbmeb-294	215	11	culture	culture	NOUN
ajbmeb-294	215	12	of	of	ADP
ajbmeb-294	215	13	quality	quality	NOUN
ajbmeb-294	215	14	"	"	PUNCT
ajbmeb-294	215	15	ranked	rank	VERB
ajbmeb-294	215	16	last	last	ADV
ajbmeb-294	215	17	with	with	ADP
ajbmeb-294	215	18	an	an	DET
ajbmeb-294	215	19	arithmetic	arithmetic	ADJ
ajbmeb-294	215	20	mean	mean	NOUN
ajbmeb-294	215	21	of	of	ADP
ajbmeb-294	215	22	(	(	PUNCT
ajbmeb-294	215	23	3.35	3.35	NUM
ajbmeb-294	215	24	)	)	PUNCT
ajbmeb-294	215	25	,	,	PUNCT
ajbmeb-294	215	26	which	which	PRON
ajbmeb-294	215	27	is	be	AUX
ajbmeb-294	215	28	lower	low	ADJ
ajbmeb-294	215	29	than	than	ADP
ajbmeb-294	215	30	the	the	DET
ajbmeb-294	215	31	total	total	ADJ
ajbmeb-294	215	32	arithmetic	arithmetic	ADJ
ajbmeb-294	215	33	mean	mean	NOUN
ajbmeb-294	215	34	of	of	ADP
ajbmeb-294	215	35	(	(	PUNCT
ajbmeb-294	215	36	3.79	3.79	NUM
ajbmeb-294	215	37	)	)	PUNCT
ajbmeb-294	215	38	and	and	CCONJ
ajbmeb-294	215	39	with	with	ADP
ajbmeb-294	215	40	a	a	DET
ajbmeb-294	215	41	standard	standard	ADJ
ajbmeb-294	215	42	deviation	deviation	NOUN
ajbmeb-294	215	43	of	of	ADP
ajbmeb-294	215	44	(	(	PUNCT
ajbmeb-294	215	45	0.745	0.745	NUM
ajbmeb-294	215	46	)	)	PUNCT
ajbmeb-294	215	47	.	.	PUNCT
ajbmeb-294	216	1	cthe	cthe	ADJ
ajbmeb-294	216	2	answers	answer	NOUN
ajbmeb-294	216	3	of	of	ADP
ajbmeb-294	216	4	the	the	DET
ajbmeb-294	216	5	study	study	NOUN
ajbmeb-294	216	6	sample	sample	NOUN
ajbmeb-294	216	7	to	to	ADP
ajbmeb-294	216	8	the	the	DET
ajbmeb-294	216	9	paragraphs	paragraph	NOUN
ajbmeb-294	216	10	of	of	ADP
ajbmeb-294	216	11	the	the	DET
ajbmeb-294	216	12	study	study	NOUN
ajbmeb-294	216	13	tool	tool	NOUN
ajbmeb-294	216	14	related	relate	VERB
ajbmeb-294	216	15	to	to	ADP
ajbmeb-294	216	16	the	the	DET
ajbmeb-294	216	17	creativity	creativity	NOUN
ajbmeb-294	216	18	variable	variable	NOUN
ajbmeb-294	216	19	:	:	PUNCT
ajbmeb-294	216	20	table	table	NOUN
ajbmeb-294	216	21	no	no	INTJ
ajbmeb-294	216	22	.	.	PUNCT
ajbmeb-294	217	1	(	(	PUNCT
ajbmeb-294	217	2	6	6	NUM
ajbmeb-294	217	3	)	)	PUNCT
ajbmeb-294	217	4	the	the	DET
ajbmeb-294	217	5	creativity	creativity	NOUN
ajbmeb-294	217	6	variable	variable	NOUN
ajbmeb-294	217	7	's	's	PART
ajbmeb-294	217	8	arithmetic	arithmetic	ADJ
ajbmeb-294	217	9	mean	mean	NOUN
ajbmeb-294	217	10	and	and	CCONJ
ajbmeb-294	217	11	standard	standard	ADJ
ajbmeb-294	217	12	deviations	deviation	NOUN
ajbmeb-294	217	13	paragraphs	paragraph	NOUN
ajbmeb-294	217	14	of	of	ADP
ajbmeb-294	217	15	the	the	DET
ajbmeb-294	217	16	creativity	creativity	NOUN
ajbmeb-294	217	17	variable	variable	ADJ
ajbmeb-294	217	18	arithmetic	arithmetic	ADJ
ajbmeb-294	217	19	average	average	ADJ
ajbmeb-294	217	20	standard	standard	ADJ
ajbmeb-294	217	21	deviation	deviation	NOUN
ajbmeb-294	217	22	significance	significance	NOUN
ajbmeb-294	217	23	level	level	NOUN
ajbmeb-294	217	24	1	1	NUM
ajbmeb-294	217	25	the	the	DET
ajbmeb-294	217	26	bank	bank	NOUN
ajbmeb-294	217	27	gets	get	VERB
ajbmeb-294	217	28	its	its	PRON
ajbmeb-294	217	29	innovations	innovation	NOUN
ajbmeb-294	217	30	in	in	ADP
ajbmeb-294	217	31	providing	provide	VERB
ajbmeb-294	217	32	services	service	NOUN
ajbmeb-294	217	33	through	through	ADP
ajbmeb-294	217	34	new	new	ADJ
ajbmeb-294	217	35	ideas	idea	NOUN
ajbmeb-294	217	36	.	.	PUNCT
ajbmeb-294	218	1	3.34	3.34	NUM
ajbmeb-294	218	2	1.111	1.111	NUM
ajbmeb-294	218	3	average	average	NOUN
ajbmeb-294	218	4	2	2	NUM
ajbmeb-294	218	5	the	the	DET
ajbmeb-294	218	6	bank	bank	NOUN
ajbmeb-294	218	7	's	's	PART
ajbmeb-294	218	8	use	use	NOUN
ajbmeb-294	218	9	of	of	ADP
ajbmeb-294	218	10	new	new	ADJ
ajbmeb-294	218	11	ways	way	NOUN
ajbmeb-294	218	12	to	to	PART
ajbmeb-294	218	13	produce	produce	VERB
ajbmeb-294	218	14	services	service	NOUN
ajbmeb-294	218	15	.	.	PUNCT
ajbmeb-294	219	1	3.50	3.50	NUM
ajbmeb-294	219	2	1.034	1.034	NUM
ajbmeb-294	219	3	average	average	ADJ
ajbmeb-294	219	4	3	3	NUM
ajbmeb-294	219	5	new	new	ADJ
ajbmeb-294	219	6	ideas	idea	NOUN
ajbmeb-294	219	7	in	in	ADP
ajbmeb-294	219	8	the	the	DET
ajbmeb-294	219	9	bank	bank	NOUN
ajbmeb-294	219	10	led	lead	VERB
ajbmeb-294	219	11	to	to	ADP
ajbmeb-294	219	12	the	the	DET
ajbmeb-294	219	13	development	development	NOUN
ajbmeb-294	219	14	of	of	ADP
ajbmeb-294	219	15	banking	banking	NOUN
ajbmeb-294	219	16	operations	operation	NOUN
ajbmeb-294	219	17	.	.	PUNCT
ajbmeb-294	220	1	3.48	3.48	NUM
ajbmeb-294	220	2	1.068	1.068	NUM
ajbmeb-294	220	3	average	average	NOUN
ajbmeb-294	220	4	4	4	NUM
ajbmeb-294	220	5	the	the	DET
ajbmeb-294	220	6	bank	bank	NOUN
ajbmeb-294	220	7	has	have	VERB
ajbmeb-294	220	8	a	a	DET
ajbmeb-294	220	9	research	research	NOUN
ajbmeb-294	220	10	and	and	CCONJ
ajbmeb-294	220	11	development	development	NOUN
ajbmeb-294	220	12	department	department	NOUN
ajbmeb-294	220	13	.	.	PUNCT
ajbmeb-294	221	1	2.71	2.71	NUM
ajbmeb-294	221	2	1.333	1.333	NUM
ajbmeb-294	221	3	average	average	NOUN
ajbmeb-294	221	4	5	5	NUM
ajbmeb-294	221	5	the	the	DET
ajbmeb-294	221	6	bank	bank	NOUN
ajbmeb-294	221	7	applies	apply	VERB
ajbmeb-294	221	8	creative	creative	ADJ
ajbmeb-294	221	9	methods	method	NOUN
ajbmeb-294	221	10	in	in	ADP
ajbmeb-294	221	11	promoting	promote	VERB
ajbmeb-294	221	12	the	the	DET
ajbmeb-294	221	13	provision	provision	NOUN
ajbmeb-294	221	14	of	of	ADP
ajbmeb-294	221	15	services	service	NOUN
ajbmeb-294	221	16	.	.	PUNCT
ajbmeb-294	222	1	3.15	3.15	NUM
ajbmeb-294	222	2	1.108	1.108	NUM
ajbmeb-294	222	3	average	average	ADJ
ajbmeb-294	222	4	total	total	ADJ
ajbmeb-294	222	5	3.25	3.25	NUM
ajbmeb-294	222	6	0.923	0.923	NUM
ajbmeb-294	222	7	average	average	ADJ
ajbmeb-294	222	8	source	source	NOUN
ajbmeb-294	222	9	:	:	PUNCT
ajbmeb-294	222	10	using	use	VERB
ajbmeb-294	222	11	the	the	DET
ajbmeb-294	222	12	statistical	statistical	ADJ
ajbmeb-294	222	13	program	program	NOUN
ajbmeb-294	222	14	(	(	PUNCT
ajbmeb-294	222	15	spss	spss	PROPN
ajbmeb-294	222	16	)	)	PUNCT
ajbmeb-294	222	17	and	and	CCONJ
ajbmeb-294	222	18	(	(	PUNCT
ajbmeb-294	222	19	excel	excel	PROPN
ajbmeb-294	222	20	)	)	PUNCT
ajbmeb-294	222	21	.	.	PUNCT
ajbmeb-294	223	1	american	american	PROPN
ajbmeb-294	223	2	journal	journal	PROPN
ajbmeb-294	223	3	of	of	ADP
ajbmeb-294	223	4	business	business	NOUN
ajbmeb-294	223	5	management	management	NOUN
ajbmeb-294	223	6	,	,	PUNCT
ajbmeb-294	223	7	economics	economic	NOUN
ajbmeb-294	223	8	and	and	CCONJ
ajbmeb-294	223	9	banking	banking	NOUN
ajbmeb-294	223	10	volume	volume	NOUN
ajbmeb-294	223	11	8	8	NUM
ajbmeb-294	223	12	,	,	PUNCT
ajbmeb-294	223	13	jan	jan	PROPN
ajbmeb-294	223	14	.	.	PROPN
ajbmeb-294	223	15	,	,	PUNCT
ajbmeb-294	223	16	2023	2023	NUM
ajbmeb-294	223	17	p	p	NOUN
ajbmeb-294	223	18	a	a	DET
ajbmeb-294	223	19	g	g	NOUN
ajbmeb-294	223	20	e	e	NOUN
ajbmeb-294	223	21	|	|	ADV
ajbmeb-294	223	22	33	33	NUM
ajbmeb-294	223	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	223	24	table	table	NOUN
ajbmeb-294	223	25	(	(	PUNCT
ajbmeb-294	223	26	6	6	NUM
ajbmeb-294	223	27	)	)	PUNCT
ajbmeb-294	223	28	indicates	indicate	VERB
ajbmeb-294	223	29	the	the	DET
ajbmeb-294	223	30	respondents	respondent	NOUN
ajbmeb-294	223	31	'	'	PART
ajbmeb-294	223	32	answers	answer	NOUN
ajbmeb-294	223	33	to	to	ADP
ajbmeb-294	223	34	the	the	DET
ajbmeb-294	223	35	statements	statement	NOUN
ajbmeb-294	223	36	related	relate	VERB
ajbmeb-294	223	37	to	to	ADP
ajbmeb-294	223	38	the	the	DET
ajbmeb-294	223	39	creativity	creativity	NOUN
ajbmeb-294	223	40	variable	variable	NOUN
ajbmeb-294	223	41	,	,	PUNCT
ajbmeb-294	223	42	as	as	SCONJ
ajbmeb-294	223	43	the	the	DET
ajbmeb-294	223	44	arithmetic	arithmetic	ADJ
ajbmeb-294	223	45	means	mean	NOUN
ajbmeb-294	223	46	for	for	SCONJ
ajbmeb-294	223	47	this	this	DET
ajbmeb-294	223	48	variable	variable	NOUN
ajbmeb-294	223	49	ranged	range	VERB
ajbmeb-294	223	50	between	between	ADP
ajbmeb-294	223	51	(	(	PUNCT
ajbmeb-294	223	52	2.71	2.71	NUM
ajbmeb-294	223	53	3.50	3.50	NUM
ajbmeb-294	223	54	)	)	PUNCT
ajbmeb-294	223	55	,	,	PUNCT
ajbmeb-294	223	56	having	have	VERB
ajbmeb-294	223	57	a	a	DET
ajbmeb-294	223	58	total	total	ADJ
ajbmeb-294	223	59	average	average	NOUN
ajbmeb-294	223	60	of	of	ADP
ajbmeb-294	223	61	(	(	PUNCT
ajbmeb-294	223	62	3.25	3.25	NUM
ajbmeb-294	223	63	)	)	PUNCT
ajbmeb-294	223	64	on	on	ADP
ajbmeb-294	223	65	a	a	DET
ajbmeb-294	223	66	likert	likert	ADJ
ajbmeb-294	223	67	scale	scale	NOUN
ajbmeb-294	223	68	,	,	PUNCT
ajbmeb-294	223	69	the	the	DET
ajbmeb-294	223	70	study	study	NOUN
ajbmeb-294	223	71	sample	sample	NOUN
ajbmeb-294	223	72	's	's	PART
ajbmeb-294	223	73	average	average	ADJ
ajbmeb-294	223	74	level	level	NOUN
ajbmeb-294	223	75	is	be	AUX
ajbmeb-294	223	76	indicated	indicate	VERB
ajbmeb-294	223	77	responses	response	NOUN
ajbmeb-294	223	78	to	to	ADP
ajbmeb-294	223	79	the	the	DET
ajbmeb-294	223	80	questionnaire	questionnaire	NOUN
ajbmeb-294	223	81	items	item	NOUN
ajbmeb-294	223	82	related	relate	VERB
ajbmeb-294	223	83	to	to	ADP
ajbmeb-294	223	84	the	the	DET
ajbmeb-294	223	85	creativity	creativity	NOUN
ajbmeb-294	223	86	variable	variable	NOUN
ajbmeb-294	223	87	,	,	PUNCT
ajbmeb-294	223	88	the	the	DET
ajbmeb-294	223	89	paragraph	paragraph	NOUN
ajbmeb-294	223	90	"	"	PUNCT
ajbmeb-294	223	91	the	the	DET
ajbmeb-294	223	92	bank	bank	NOUN
ajbmeb-294	223	93	's	's	PART
ajbmeb-294	223	94	use	use	NOUN
ajbmeb-294	223	95	of	of	ADP
ajbmeb-294	223	96	new	new	ADJ
ajbmeb-294	223	97	ways	way	NOUN
ajbmeb-294	223	98	to	to	PART
ajbmeb-294	223	99	produce	produce	VERB
ajbmeb-294	223	100	services	service	NOUN
ajbmeb-294	223	101	"	"	PUNCT
ajbmeb-294	223	102	ranked	rank	VERB
ajbmeb-294	223	103	first	first	ADV
ajbmeb-294	223	104	,	,	PUNCT
ajbmeb-294	223	105	with	with	ADP
ajbmeb-294	223	106	an	an	DET
ajbmeb-294	223	107	arithmetic	arithmetic	ADJ
ajbmeb-294	223	108	average	average	NOUN
ajbmeb-294	223	109	of	of	ADP
ajbmeb-294	223	110	(	(	PUNCT
ajbmeb-294	223	111	3.50	3.50	NUM
ajbmeb-294	223	112	)	)	PUNCT
ajbmeb-294	223	113	,	,	PUNCT
ajbmeb-294	223	114	this	this	PRON
ajbmeb-294	223	115	is	be	AUX
ajbmeb-294	223	116	greater	great	ADJ
ajbmeb-294	223	117	than	than	ADP
ajbmeb-294	223	118	the	the	DET
ajbmeb-294	223	119	general	general	ADJ
ajbmeb-294	223	120	arithmetic	arithmetic	ADJ
ajbmeb-294	223	121	mean	mean	NOUN
ajbmeb-294	223	122	(	(	PUNCT
ajbmeb-294	223	123	3.25	3.25	NUM
ajbmeb-294	223	124	)	)	PUNCT
ajbmeb-294	223	125	,	,	PUNCT
ajbmeb-294	223	126	with	with	ADP
ajbmeb-294	223	127	a	a	DET
ajbmeb-294	223	128	standard	standard	ADJ
ajbmeb-294	223	129	deviation	deviation	NOUN
ajbmeb-294	223	130	of	of	ADP
ajbmeb-294	223	131	(	(	PUNCT
ajbmeb-294	223	132	0.923	0.923	NUM
ajbmeb-294	223	133	)	)	PUNCT
ajbmeb-294	223	134	,	,	PUNCT
ajbmeb-294	223	135	while	while	SCONJ
ajbmeb-294	223	136	the	the	DET
ajbmeb-294	223	137	paragraph	paragraph	NOUN
ajbmeb-294	223	138	"	"	PUNCT
ajbmeb-294	223	139	the	the	DET
ajbmeb-294	223	140	bank	bank	NOUN
ajbmeb-294	223	141	has	have	VERB
ajbmeb-294	223	142	a	a	DET
ajbmeb-294	223	143	research	research	NOUN
ajbmeb-294	223	144	and	and	CCONJ
ajbmeb-294	223	145	development	development	NOUN
ajbmeb-294	223	146	department	department	PROPN
ajbmeb-294	223	147	"	"	PUNCT
ajbmeb-294	223	148	was	be	AUX
ajbmeb-294	223	149	ranked	rank	VERB
ajbmeb-294	223	150	first	first	ADV
ajbmeb-294	223	151	ranked	rank	VERB
ajbmeb-294	223	152	last	last	ADV
ajbmeb-294	223	153	with	with	ADP
ajbmeb-294	223	154	an	an	DET
ajbmeb-294	223	155	arithmetic	arithmetic	ADJ
ajbmeb-294	223	156	mean	mean	NOUN
ajbmeb-294	223	157	of	of	ADP
ajbmeb-294	223	158	(	(	PUNCT
ajbmeb-294	223	159	2.71	2.71	NUM
ajbmeb-294	223	160	)	)	PUNCT
ajbmeb-294	223	161	,	,	PUNCT
ajbmeb-294	223	162	which	which	PRON
ajbmeb-294	223	163	is	be	AUX
ajbmeb-294	223	164	lower	low	ADJ
ajbmeb-294	223	165	than	than	ADP
ajbmeb-294	223	166	the	the	DET
ajbmeb-294	223	167	total	total	ADJ
ajbmeb-294	223	168	arithmetic	arithmetic	ADJ
ajbmeb-294	223	169	mean	mean	NOUN
ajbmeb-294	223	170	of	of	ADP
ajbmeb-294	223	171	(	(	PUNCT
ajbmeb-294	223	172	3.25	3.25	NUM
ajbmeb-294	223	173	)	)	PUNCT
ajbmeb-294	223	174	and	and	CCONJ
ajbmeb-294	223	175	with	with	ADP
ajbmeb-294	223	176	a	a	DET
ajbmeb-294	223	177	standard	standard	ADJ
ajbmeb-294	223	178	deviation	deviation	NOUN
ajbmeb-294	223	179	of	of	ADP
ajbmeb-294	223	180	(	(	PUNCT
ajbmeb-294	223	181	0.923	0.923	NUM
ajbmeb-294	223	182	)	)	PUNCT
ajbmeb-294	223	183	.	.	PUNCT
ajbmeb-294	224	1	d	d	X
ajbmeb-294	224	2	the	the	DET
ajbmeb-294	224	3	answers	answer	NOUN
ajbmeb-294	224	4	of	of	ADP
ajbmeb-294	224	5	the	the	DET
ajbmeb-294	224	6	study	study	NOUN
ajbmeb-294	224	7	sample	sample	NOUN
ajbmeb-294	224	8	to	to	ADP
ajbmeb-294	224	9	the	the	DET
ajbmeb-294	224	10	paragraphs	paragraph	NOUN
ajbmeb-294	224	11	of	of	ADP
ajbmeb-294	224	12	the	the	DET
ajbmeb-294	224	13	study	study	NOUN
ajbmeb-294	224	14	tool	tool	NOUN
ajbmeb-294	224	15	related	relate	VERB
ajbmeb-294	224	16	to	to	ADP
ajbmeb-294	224	17	the	the	DET
ajbmeb-294	224	18	flexibility	flexibility	NOUN
ajbmeb-294	224	19	variable	variable	NOUN
ajbmeb-294	224	20	:	:	PUNCT
ajbmeb-294	224	21	table	table	NOUN
ajbmeb-294	224	22	no	no	INTJ
ajbmeb-294	224	23	.	.	PUNCT
ajbmeb-294	225	1	(	(	PUNCT
ajbmeb-294	225	2	7	7	X
ajbmeb-294	225	3	)	)	PUNCT
ajbmeb-294	225	4	the	the	DET
ajbmeb-294	225	5	flexibility	flexibility	NOUN
ajbmeb-294	225	6	variable	variable	NOUN
ajbmeb-294	225	7	's	's	PART
ajbmeb-294	225	8	arithmetic	arithmetic	ADJ
ajbmeb-294	225	9	mean	mean	NOUN
ajbmeb-294	225	10	and	and	CCONJ
ajbmeb-294	225	11	standard	standard	ADJ
ajbmeb-294	225	12	deviations	deviation	NOUN
ajbmeb-294	225	13	flexibility	flexibility	NOUN
ajbmeb-294	225	14	variable	variable	ADJ
ajbmeb-294	225	15	paragraphs	paragraph	NOUN
ajbmeb-294	225	16	arithmetic	arithmetic	ADJ
ajbmeb-294	225	17	average	average	ADJ
ajbmeb-294	225	18	standard	standard	ADJ
ajbmeb-294	225	19	deviation	deviation	NOUN
ajbmeb-294	225	20	significance	significance	NOUN
ajbmeb-294	225	21	level	level	NOUN
ajbmeb-294	225	22	1	1	NUM
ajbmeb-294	225	23	the	the	DET
ajbmeb-294	225	24	bank	bank	NOUN
ajbmeb-294	225	25	offers	offer	VERB
ajbmeb-294	225	26	a	a	DET
ajbmeb-294	225	27	variety	variety	NOUN
ajbmeb-294	225	28	of	of	ADP
ajbmeb-294	225	29	services	service	NOUN
ajbmeb-294	225	30	according	accord	VERB
ajbmeb-294	225	31	to	to	ADP
ajbmeb-294	225	32	the	the	DET
ajbmeb-294	225	33	wishes	wish	NOUN
ajbmeb-294	225	34	of	of	ADP
ajbmeb-294	225	35	customers	customer	NOUN
ajbmeb-294	225	36	.	.	PUNCT
ajbmeb-294	226	1	3.93	3.93	NUM
ajbmeb-294	226	2	0.845	0.845	NUM
ajbmeb-294	226	3	elevated	elevate	VERB
ajbmeb-294	226	4	2	2	NUM
ajbmeb-294	226	5	the	the	DET
ajbmeb-294	226	6	bank	bank	NOUN
ajbmeb-294	226	7	offers	offer	VERB
ajbmeb-294	226	8	on	on	ADP
ajbmeb-294	226	9	services	service	NOUN
ajbmeb-294	226	10	continuously	continuously	ADV
ajbmeb-294	226	11	.	.	PUNCT
ajbmeb-294	227	1	3.52	3.52	NUM
ajbmeb-294	227	2	1.114	1.114	NUM
ajbmeb-294	227	3	average	average	NOUN
ajbmeb-294	227	4	3	3	NUM
ajbmeb-294	227	5	the	the	DET
ajbmeb-294	227	6	bank	bank	NOUN
ajbmeb-294	227	7	adopts	adopt	VERB
ajbmeb-294	227	8	modern	modern	ADJ
ajbmeb-294	227	9	means	mean	NOUN
ajbmeb-294	227	10	and	and	CCONJ
ajbmeb-294	227	11	methods	method	NOUN
ajbmeb-294	227	12	for	for	ADP
ajbmeb-294	227	13	production	production	NOUN
ajbmeb-294	227	14	,	,	PUNCT
ajbmeb-294	227	15	pricing	pricing	NOUN
ajbmeb-294	227	16	and	and	CCONJ
ajbmeb-294	227	17	promotion	promotion	NOUN
ajbmeb-294	227	18	of	of	ADP
ajbmeb-294	227	19	its	its	PRON
ajbmeb-294	227	20	services	service	NOUN
ajbmeb-294	227	21	.	.	PUNCT
ajbmeb-294	228	1	3.33	3.33	NUM
ajbmeb-294	228	2	1.129	1.129	NUM
ajbmeb-294	228	3	average	average	NOUN
ajbmeb-294	228	4	4	4	NUM
ajbmeb-294	228	5	the	the	DET
ajbmeb-294	228	6	bank	bank	NOUN
ajbmeb-294	228	7	provides	provide	VERB
ajbmeb-294	228	8	services	service	NOUN
ajbmeb-294	228	9	according	accord	VERB
ajbmeb-294	228	10	to	to	ADP
ajbmeb-294	228	11	the	the	DET
ajbmeb-294	228	12	required	require	VERB
ajbmeb-294	228	13	quantities	quantity	NOUN
ajbmeb-294	228	14	.	.	PUNCT
ajbmeb-294	229	1	3.83	3.83	NUM
ajbmeb-294	229	2	1.004	1.004	NUM
ajbmeb-294	229	3	elevated	elevate	VERB
ajbmeb-294	229	4	5	5	NUM
ajbmeb-294	229	5	the	the	DET
ajbmeb-294	229	6	bank	bank	NOUN
ajbmeb-294	229	7	has	have	VERB
ajbmeb-294	229	8	capabilities	capability	NOUN
ajbmeb-294	229	9	to	to	PART
ajbmeb-294	229	10	enter	enter	VERB
ajbmeb-294	229	11	new	new	ADJ
ajbmeb-294	229	12	financial	financial	ADJ
ajbmeb-294	229	13	markets	market	NOUN
ajbmeb-294	229	14	.	.	PUNCT
ajbmeb-294	230	1	3.75	3.75	NUM
ajbmeb-294	230	2	0.893	0.893	NUM
ajbmeb-294	230	3	elevated	elevate	VERB
ajbmeb-294	230	4	6	6	NUM
ajbmeb-294	230	5	the	the	DET
ajbmeb-294	230	6	bank	bank	NOUN
ajbmeb-294	230	7	buys	buy	VERB
ajbmeb-294	230	8	automated	automate	VERB
ajbmeb-294	230	9	teller	teller	NOUN
ajbmeb-294	230	10	machines	machine	NOUN
ajbmeb-294	230	11	and	and	CCONJ
ajbmeb-294	230	12	multi	multi	ADJ
ajbmeb-294	230	13	-	-	ADJ
ajbmeb-294	230	14	use	use	ADJ
ajbmeb-294	230	15	devices	device	NOUN
ajbmeb-294	230	16	.	.	PUNCT
ajbmeb-294	231	1	3.76	3.76	NUM
ajbmeb-294	231	2	1.098	1.098	NUM
ajbmeb-294	231	3	elevated	elevate	VERB
ajbmeb-294	231	4	7	7	NUM
ajbmeb-294	231	5	the	the	DET
ajbmeb-294	231	6	bank	bank	NOUN
ajbmeb-294	231	7	has	have	VERB
ajbmeb-294	231	8	the	the	DET
ajbmeb-294	231	9	ability	ability	NOUN
ajbmeb-294	231	10	to	to	PART
ajbmeb-294	231	11	respond	respond	VERB
ajbmeb-294	231	12	to	to	ADP
ajbmeb-294	231	13	changes	change	NOUN
ajbmeb-294	231	14	in	in	ADP
ajbmeb-294	231	15	the	the	DET
ajbmeb-294	231	16	surrounding	surround	VERB
ajbmeb-294	231	17	environment	environment	NOUN
ajbmeb-294	231	18	.	.	PUNCT
ajbmeb-294	232	1	3.71	3.71	NUM
ajbmeb-294	232	2	0.928	0.928	NUM
ajbmeb-294	232	3	elevated	elevated	ADJ
ajbmeb-294	232	4	total	total	NOUN
ajbmeb-294	232	5	3.70	3.70	NUM
ajbmeb-294	232	6	0.701	0.701	NUM
ajbmeb-294	232	7	elevated	elevated	ADJ
ajbmeb-294	232	8	source	source	NOUN
ajbmeb-294	232	9	:	:	PUNCT
ajbmeb-294	232	10	using	use	VERB
ajbmeb-294	232	11	the	the	DET
ajbmeb-294	232	12	statistical	statistical	ADJ
ajbmeb-294	232	13	program	program	NOUN
ajbmeb-294	232	14	(	(	PUNCT
ajbmeb-294	232	15	spss	spss	PROPN
ajbmeb-294	232	16	)	)	PUNCT
ajbmeb-294	232	17	and	and	CCONJ
ajbmeb-294	232	18	(	(	PUNCT
ajbmeb-294	232	19	excel	excel	PROPN
ajbmeb-294	232	20	)	)	PUNCT
ajbmeb-294	232	21	.	.	PUNCT
ajbmeb-294	233	1	table	table	NOUN
ajbmeb-294	233	2	(	(	PUNCT
ajbmeb-294	233	3	7	7	NUM
ajbmeb-294	233	4	)	)	PUNCT
ajbmeb-294	233	5	indicates	indicate	VERB
ajbmeb-294	233	6	the	the	DET
ajbmeb-294	233	7	responses	response	NOUN
ajbmeb-294	233	8	of	of	ADP
ajbmeb-294	233	9	the	the	DET
ajbmeb-294	233	10	respondents	respondent	NOUN
ajbmeb-294	233	11	to	to	ADP
ajbmeb-294	233	12	the	the	DET
ajbmeb-294	233	13	statements	statement	NOUN
ajbmeb-294	233	14	related	relate	VERB
ajbmeb-294	233	15	to	to	ADP
ajbmeb-294	233	16	the	the	DET
ajbmeb-294	233	17	flexibility	flexibility	NOUN
ajbmeb-294	233	18	variable	variable	NOUN
ajbmeb-294	233	19	,	,	PUNCT
ajbmeb-294	233	20	as	as	SCONJ
ajbmeb-294	233	21	the	the	DET
ajbmeb-294	233	22	arithmetic	arithmetic	ADJ
ajbmeb-294	233	23	averages	average	NOUN
ajbmeb-294	233	24	for	for	ADP
ajbmeb-294	233	25	this	this	DET
ajbmeb-294	233	26	variable	variable	NOUN
ajbmeb-294	233	27	ranged	range	VERB
ajbmeb-294	233	28	between	between	ADP
ajbmeb-294	233	29	(	(	PUNCT
ajbmeb-294	233	30	3.33	3.33	NUM
ajbmeb-294	233	31	3.93	3.93	NUM
ajbmeb-294	233	32	)	)	PUNCT
ajbmeb-294	233	33	,	,	PUNCT
ajbmeb-294	233	34	with	with	ADP
ajbmeb-294	233	35	an	an	DET
ajbmeb-294	233	36	overall	overall	ADJ
ajbmeb-294	233	37	average	average	NOUN
ajbmeb-294	233	38	of	of	ADP
ajbmeb-294	233	39	(	(	PUNCT
ajbmeb-294	233	40	3.70	3.70	NUM
ajbmeb-294	233	41	)	)	PUNCT
ajbmeb-294	233	42	on	on	ADP
ajbmeb-294	233	43	the	the	DET
ajbmeb-294	233	44	likert	likert	ADJ
ajbmeb-294	233	45	scale	scale	NOUN
ajbmeb-294	233	46	,	,	PUNCT
ajbmeb-294	233	47	the	the	DET
ajbmeb-294	233	48	study	study	NOUN
ajbmeb-294	233	49	sample	sample	NOUN
ajbmeb-294	233	50	's	's	PART
ajbmeb-294	233	51	high	high	ADJ
ajbmeb-294	233	52	and	and	CCONJ
ajbmeb-294	233	53	medium	medium	NOUN
ajbmeb-294	233	54	levels	level	NOUN
ajbmeb-294	233	55	are	be	AUX
ajbmeb-294	233	56	shown	show	VERB
ajbmeb-294	233	57	by	by	ADP
ajbmeb-294	233	58	this	this	DET
ajbmeb-294	233	59	data	data	NOUN
ajbmeb-294	233	60	responses	response	NOUN
ajbmeb-294	233	61	to	to	ADP
ajbmeb-294	233	62	the	the	DET
ajbmeb-294	233	63	questionnaire	questionnaire	NOUN
ajbmeb-294	233	64	items	item	NOUN
ajbmeb-294	233	65	related	relate	VERB
ajbmeb-294	233	66	to	to	ADP
ajbmeb-294	233	67	the	the	DET
ajbmeb-294	233	68	flexibility	flexibility	NOUN
ajbmeb-294	233	69	variable	variable	NOUN
ajbmeb-294	233	70	,	,	PUNCT
ajbmeb-294	233	71	in	in	ADP
ajbmeb-294	233	72	the	the	DET
ajbmeb-294	233	73	first	first	ADJ
ajbmeb-294	233	74	place	place	NOUN
ajbmeb-294	233	75	came	come	VERB
ajbmeb-294	233	76	the	the	DET
ajbmeb-294	233	77	paragraph	paragraph	NOUN
ajbmeb-294	233	78	“	"	PUNCT
ajbmeb-294	233	79	the	the	DET
ajbmeb-294	233	80	bank	bank	NOUN
ajbmeb-294	233	81	provides	provide	VERB
ajbmeb-294	233	82	various	various	ADJ
ajbmeb-294	233	83	services	service	NOUN
ajbmeb-294	233	84	according	accord	VERB
ajbmeb-294	233	85	to	to	ADP
ajbmeb-294	233	86	the	the	DET
ajbmeb-294	233	87	desires	desire	NOUN
ajbmeb-294	233	88	of	of	ADP
ajbmeb-294	233	89	customers	customer	NOUN
ajbmeb-294	233	90	”	"	PUNCT
ajbmeb-294	233	91	with	with	ADP
ajbmeb-294	233	92	an	an	DET
ajbmeb-294	233	93	arithmetic	arithmetic	ADJ
ajbmeb-294	233	94	mean	mean	NOUN
ajbmeb-294	233	95	(	(	PUNCT
ajbmeb-294	233	96	3.93	3.93	NUM
ajbmeb-294	233	97	)	)	PUNCT
ajbmeb-294	233	98	,	,	PUNCT
ajbmeb-294	233	99	which	which	PRON
ajbmeb-294	233	100	is	be	AUX
ajbmeb-294	233	101	greater	great	ADJ
ajbmeb-294	233	102	than	than	ADP
ajbmeb-294	233	103	the	the	DET
ajbmeb-294	233	104	general	general	ADJ
ajbmeb-294	233	105	arithmetic	arithmetic	ADJ
ajbmeb-294	233	106	mean	mean	NOUN
ajbmeb-294	233	107	(	(	PUNCT
ajbmeb-294	233	108	3.70	3.70	NUM
ajbmeb-294	233	109	)	)	PUNCT
ajbmeb-294	233	110	,	,	PUNCT
ajbmeb-294	233	111	and	and	CCONJ
ajbmeb-294	233	112	a	a	DET
ajbmeb-294	233	113	standard	standard	ADJ
ajbmeb-294	233	114	deviation	deviation	NOUN
ajbmeb-294	233	115	of	of	ADP
ajbmeb-294	233	116	(	(	PUNCT
ajbmeb-294	233	117	0.701	0.701	NUM
ajbmeb-294	233	118	)	)	PUNCT
ajbmeb-294	233	119	,	,	PUNCT
ajbmeb-294	233	120	while	while	SCONJ
ajbmeb-294	233	121	the	the	DET
ajbmeb-294	233	122	paragraph	paragraph	NOUN
ajbmeb-294	233	123	“	"	PUNCT
ajbmeb-294	233	124	the	the	DET
ajbmeb-294	233	125	bank	bank	NOUN
ajbmeb-294	233	126	adopts	adopt	VERB
ajbmeb-294	233	127	modern	modern	ADJ
ajbmeb-294	233	128	means	mean	NOUN
ajbmeb-294	233	129	and	and	CCONJ
ajbmeb-294	233	130	methods	method	NOUN
ajbmeb-294	233	131	of	of	ADP
ajbmeb-294	233	132	production	production	NOUN
ajbmeb-294	233	133	,	,	PUNCT
ajbmeb-294	233	134	pricing	pricing	NOUN
ajbmeb-294	233	135	and	and	CCONJ
ajbmeb-294	233	136	promotion	promotion	NOUN
ajbmeb-294	233	137	for	for	ADP
ajbmeb-294	233	138	his	his	PRON
ajbmeb-294	233	139	services	service	NOUN
ajbmeb-294	233	140	"	"	PUNCT
ajbmeb-294	233	141	ranked	rank	VERB
ajbmeb-294	233	142	last	last	ADV
ajbmeb-294	233	143	with	with	ADP
ajbmeb-294	233	144	an	an	DET
ajbmeb-294	233	145	arithmetic	arithmetic	ADJ
ajbmeb-294	233	146	mean	mean	NOUN
ajbmeb-294	233	147	of	of	ADP
ajbmeb-294	233	148	(	(	PUNCT
ajbmeb-294	233	149	3.33	3.33	NUM
ajbmeb-294	233	150	)	)	PUNCT
ajbmeb-294	233	151	,	,	PUNCT
ajbmeb-294	233	152	which	which	PRON
ajbmeb-294	233	153	is	be	AUX
ajbmeb-294	233	154	lower	low	ADJ
ajbmeb-294	233	155	than	than	ADP
ajbmeb-294	233	156	the	the	DET
ajbmeb-294	233	157	total	total	ADJ
ajbmeb-294	233	158	arithmetic	arithmetic	ADJ
ajbmeb-294	233	159	mean	mean	NOUN
ajbmeb-294	233	160	of	of	ADP
ajbmeb-294	233	161	(	(	PUNCT
ajbmeb-294	233	162	3.70	3.70	NUM
ajbmeb-294	233	163	)	)	PUNCT
ajbmeb-294	233	164	and	and	CCONJ
ajbmeb-294	233	165	with	with	ADP
ajbmeb-294	233	166	a	a	DET
ajbmeb-294	233	167	standard	standard	ADJ
ajbmeb-294	233	168	deviation	deviation	NOUN
ajbmeb-294	233	169	of	of	ADP
ajbmeb-294	233	170	(	(	PUNCT
ajbmeb-294	233	171	0.701	0.701	NUM
ajbmeb-294	233	172	)	)	PUNCT
ajbmeb-294	233	173	.	.	PUNCT
ajbmeb-294	234	1	american	american	PROPN
ajbmeb-294	234	2	journal	journal	PROPN
ajbmeb-294	234	3	of	of	ADP
ajbmeb-294	234	4	business	business	NOUN
ajbmeb-294	234	5	management	management	NOUN
ajbmeb-294	234	6	,	,	PUNCT
ajbmeb-294	234	7	economics	economic	NOUN
ajbmeb-294	234	8	and	and	CCONJ
ajbmeb-294	234	9	banking	banking	NOUN
ajbmeb-294	234	10	volume	volume	NOUN
ajbmeb-294	234	11	8	8	NUM
ajbmeb-294	234	12	,	,	PUNCT
ajbmeb-294	234	13	jan	jan	PROPN
ajbmeb-294	234	14	.	.	PROPN
ajbmeb-294	234	15	,	,	PUNCT
ajbmeb-294	234	16	2023	2023	NUM
ajbmeb-294	234	17	p	p	NOUN
ajbmeb-294	234	18	a	a	DET
ajbmeb-294	234	19	g	g	NOUN
ajbmeb-294	234	20	e	e	NOUN
ajbmeb-294	234	21	|	|	ADV
ajbmeb-294	234	22	34	34	NUM
ajbmeb-294	234	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	234	24	e	e	NOUN
ajbmeb-294	234	25	the	the	DET
ajbmeb-294	234	26	answers	answer	NOUN
ajbmeb-294	234	27	of	of	ADP
ajbmeb-294	234	28	the	the	DET
ajbmeb-294	234	29	study	study	NOUN
ajbmeb-294	234	30	sample	sample	NOUN
ajbmeb-294	234	31	to	to	ADP
ajbmeb-294	234	32	the	the	DET
ajbmeb-294	234	33	paragraphs	paragraph	NOUN
ajbmeb-294	234	34	of	of	ADP
ajbmeb-294	234	35	the	the	DET
ajbmeb-294	234	36	study	study	NOUN
ajbmeb-294	234	37	tool	tool	NOUN
ajbmeb-294	234	38	related	relate	VERB
ajbmeb-294	234	39	to	to	ADP
ajbmeb-294	234	40	the	the	DET
ajbmeb-294	234	41	time	time	NOUN
ajbmeb-294	234	42	variable	variable	NOUN
ajbmeb-294	234	43	:	:	PUNCT
ajbmeb-294	234	44	table	table	NOUN
ajbmeb-294	234	45	no	no	INTJ
ajbmeb-294	234	46	.	.	PUNCT
ajbmeb-294	235	1	(	(	PUNCT
ajbmeb-294	235	2	8)	8)	NUM
ajbmeb-294	235	3	the	the	DET
ajbmeb-294	235	4	time	time	NOUN
ajbmeb-294	235	5	variable	variable	NOUN
ajbmeb-294	235	6	's	's	PART
ajbmeb-294	235	7	arithmetic	arithmetic	ADJ
ajbmeb-294	235	8	mean	mean	NOUN
ajbmeb-294	235	9	and	and	CCONJ
ajbmeb-294	235	10	standard	standard	ADJ
ajbmeb-294	235	11	deviations	deviation	NOUN
ajbmeb-294	235	12	paragraphs	paragraph	NOUN
ajbmeb-294	235	13	of	of	ADP
ajbmeb-294	235	14	the	the	DET
ajbmeb-294	235	15	time	time	NOUN
ajbmeb-294	235	16	variable	variable	ADJ
ajbmeb-294	235	17	arithmetic	arithmetic	ADJ
ajbmeb-294	235	18	average	average	ADJ
ajbmeb-294	235	19	standard	standard	ADJ
ajbmeb-294	235	20	deviation	deviation	NOUN
ajbmeb-294	235	21	significance	significance	NOUN
ajbmeb-294	235	22	level	level	NOUN
ajbmeb-294	235	23	1	1	NUM
ajbmeb-294	235	24	providing	provide	VERB
ajbmeb-294	235	25	services	service	NOUN
ajbmeb-294	235	26	at	at	ADP
ajbmeb-294	235	27	the	the	DET
ajbmeb-294	235	28	specified	specified	ADJ
ajbmeb-294	235	29	time	time	NOUN
ajbmeb-294	235	30	agreed	agree	VERB
ajbmeb-294	235	31	upon	upon	SCONJ
ajbmeb-294	235	32	with	with	ADP
ajbmeb-294	235	33	customers	customer	NOUN
ajbmeb-294	235	34	.	.	PUNCT
ajbmeb-294	236	1	3.86	3.86	NUM
ajbmeb-294	236	2	0.923	0.923	NUM
ajbmeb-294	236	3	elevated	elevated	ADJ
ajbmeb-294	236	4	2	2	NUM
ajbmeb-294	236	5	agile	agile	ADJ
ajbmeb-294	236	6	response	response	NOUN
ajbmeb-294	236	7	by	by	ADP
ajbmeb-294	236	8	the	the	DET
ajbmeb-294	236	9	bank	bank	NOUN
ajbmeb-294	236	10	to	to	ADP
ajbmeb-294	236	11	its	its	PRON
ajbmeb-294	236	12	customers	customer	NOUN
ajbmeb-294	236	13	.	.	PUNCT
ajbmeb-294	237	1	3.39	3.39	NUM
ajbmeb-294	237	2	1.185	1.185	NUM
ajbmeb-294	237	3	average	average	NOUN
ajbmeb-294	237	4	3	3	NUM
ajbmeb-294	237	5	the	the	DET
ajbmeb-294	237	6	bank	bank	NOUN
ajbmeb-294	237	7	provides	provide	VERB
ajbmeb-294	237	8	integrated	integrated	ADJ
ajbmeb-294	237	9	information	information	NOUN
ajbmeb-294	237	10	to	to	ADP
ajbmeb-294	237	11	customers	customer	NOUN
ajbmeb-294	237	12	in	in	ADP
ajbmeb-294	237	13	a	a	DET
ajbmeb-294	237	14	timely	timely	ADJ
ajbmeb-294	237	15	manner	manner	NOUN
ajbmeb-294	237	16	.	.	PUNCT
ajbmeb-294	238	1	3.59	3.59	NUM
ajbmeb-294	238	2	1.154	1.154	NUM
ajbmeb-294	238	3	average	average	NOUN
ajbmeb-294	238	4	4	4	NUM
ajbmeb-294	238	5	the	the	DET
ajbmeb-294	238	6	bank	bank	NOUN
ajbmeb-294	238	7	has	have	VERB
ajbmeb-294	238	8	a	a	DET
ajbmeb-294	238	9	system	system	NOUN
ajbmeb-294	238	10	that	that	PRON
ajbmeb-294	238	11	enables	enable	VERB
ajbmeb-294	238	12	it	it	PRON
ajbmeb-294	238	13	to	to	PART
ajbmeb-294	238	14	reduce	reduce	VERB
ajbmeb-294	238	15	the	the	DET
ajbmeb-294	238	16	time	time	NOUN
ajbmeb-294	238	17	between	between	ADP
ajbmeb-294	238	18	service	service	NOUN
ajbmeb-294	238	19	request	request	NOUN
ajbmeb-294	238	20	and	and	CCONJ
ajbmeb-294	238	21	delivery	delivery	NOUN
ajbmeb-294	238	22	.	.	PUNCT
ajbmeb-294	239	1	3.26	3.26	NUM
ajbmeb-294	239	2	1.111	1.111	NUM
ajbmeb-294	239	3	average	average	NOUN
ajbmeb-294	239	4	5	5	NUM
ajbmeb-294	239	5	the	the	DET
ajbmeb-294	239	6	bank	bank	NOUN
ajbmeb-294	239	7	has	have	VERB
ajbmeb-294	239	8	programs	program	NOUN
ajbmeb-294	239	9	to	to	PART
ajbmeb-294	239	10	rapidly	rapidly	ADV
ajbmeb-294	239	11	develop	develop	VERB
ajbmeb-294	239	12	its	its	PRON
ajbmeb-294	239	13	services	service	NOUN
ajbmeb-294	239	14	.	.	PUNCT
ajbmeb-294	240	1	3.23	3.23	NUM
ajbmeb-294	240	2	1.173	1.173	NUM
ajbmeb-294	240	3	average	average	ADJ
ajbmeb-294	240	4	total	total	ADJ
ajbmeb-294	240	5	3.48	3.48	NUM
ajbmeb-294	240	6	1.002	1.002	NUM
ajbmeb-294	240	7	average	average	ADJ
ajbmeb-294	240	8	source	source	NOUN
ajbmeb-294	240	9	:	:	PUNCT
ajbmeb-294	240	10	using	use	VERB
ajbmeb-294	240	11	the	the	DET
ajbmeb-294	240	12	statistical	statistical	ADJ
ajbmeb-294	240	13	program	program	NOUN
ajbmeb-294	240	14	(	(	PUNCT
ajbmeb-294	240	15	spss	spss	PROPN
ajbmeb-294	240	16	)	)	PUNCT
ajbmeb-294	240	17	and	and	CCONJ
ajbmeb-294	240	18	(	(	PUNCT
ajbmeb-294	240	19	excel	excel	PROPN
ajbmeb-294	240	20	)	)	PUNCT
ajbmeb-294	240	21	.	.	PUNCT
ajbmeb-294	241	1	table	table	NOUN
ajbmeb-294	241	2	(	(	PUNCT
ajbmeb-294	241	3	8)	8)	NUM
ajbmeb-294	241	4	indicates	indicate	VERB
ajbmeb-294	241	5	the	the	DET
ajbmeb-294	241	6	respondents	respondent	NOUN
ajbmeb-294	241	7	’	’	PART
ajbmeb-294	241	8	answers	answer	NOUN
ajbmeb-294	241	9	to	to	ADP
ajbmeb-294	241	10	the	the	DET
ajbmeb-294	241	11	statements	statement	NOUN
ajbmeb-294	241	12	related	relate	VERB
ajbmeb-294	241	13	to	to	ADP
ajbmeb-294	241	14	the	the	DET
ajbmeb-294	241	15	time	time	NOUN
ajbmeb-294	241	16	variable	variable	NOUN
ajbmeb-294	241	17	,	,	PUNCT
ajbmeb-294	241	18	as	as	SCONJ
ajbmeb-294	241	19	the	the	DET
ajbmeb-294	241	20	arithmetic	arithmetic	ADJ
ajbmeb-294	241	21	averages	average	NOUN
ajbmeb-294	241	22	for	for	ADP
ajbmeb-294	241	23	this	this	DET
ajbmeb-294	241	24	variable	variable	NOUN
ajbmeb-294	241	25	ranged	range	VERB
ajbmeb-294	241	26	between	between	ADP
ajbmeb-294	241	27	(	(	PUNCT
ajbmeb-294	241	28	3.23	3.23	NUM
ajbmeb-294	241	29	3.86	3.86	NUM
ajbmeb-294	241	30	)	)	PUNCT
ajbmeb-294	241	31	,	,	PUNCT
ajbmeb-294	241	32	with	with	ADP
ajbmeb-294	241	33	a	a	DET
ajbmeb-294	241	34	total	total	ADJ
ajbmeb-294	241	35	average	average	NOUN
ajbmeb-294	241	36	of	of	ADP
ajbmeb-294	241	37	(	(	PUNCT
ajbmeb-294	241	38	3.48	3.48	NUM
ajbmeb-294	241	39	)	)	PUNCT
ajbmeb-294	241	40	on	on	ADP
ajbmeb-294	241	41	the	the	DET
ajbmeb-294	241	42	likert	likert	ADJ
ajbmeb-294	241	43	scale	scale	NOUN
ajbmeb-294	241	44	,	,	PUNCT
ajbmeb-294	241	45	the	the	DET
ajbmeb-294	241	46	study	study	NOUN
ajbmeb-294	241	47	sample	sample	NOUN
ajbmeb-294	241	48	's	's	PART
ajbmeb-294	241	49	high	high	ADJ
ajbmeb-294	241	50	and	and	CCONJ
ajbmeb-294	241	51	medium	medium	NOUN
ajbmeb-294	241	52	levels	level	NOUN
ajbmeb-294	241	53	are	be	AUX
ajbmeb-294	241	54	shown	show	VERB
ajbmeb-294	241	55	by	by	ADP
ajbmeb-294	241	56	this	this	DET
ajbmeb-294	241	57	data	data	NOUN
ajbmeb-294	241	58	responses	response	NOUN
ajbmeb-294	241	59	to	to	ADP
ajbmeb-294	241	60	the	the	DET
ajbmeb-294	241	61	questionnaire	questionnaire	NOUN
ajbmeb-294	241	62	items	item	NOUN
ajbmeb-294	241	63	related	relate	VERB
ajbmeb-294	241	64	to	to	ADP
ajbmeb-294	241	65	the	the	DET
ajbmeb-294	241	66	time	time	NOUN
ajbmeb-294	241	67	variable	variable	NOUN
ajbmeb-294	241	68	,	,	PUNCT
ajbmeb-294	241	69	as	as	SCONJ
ajbmeb-294	241	70	the	the	DET
ajbmeb-294	241	71	paragraph	paragraph	NOUN
ajbmeb-294	241	72	“	"	PUNCT
ajbmeb-294	241	73	providing	provide	VERB
ajbmeb-294	241	74	services	service	NOUN
ajbmeb-294	241	75	at	at	ADP
ajbmeb-294	241	76	the	the	DET
ajbmeb-294	241	77	specified	specified	ADJ
ajbmeb-294	241	78	time	time	NOUN
ajbmeb-294	241	79	agreed	agree	VERB
ajbmeb-294	241	80	upon	upon	SCONJ
ajbmeb-294	241	81	with	with	ADP
ajbmeb-294	241	82	customers	customer	NOUN
ajbmeb-294	241	83	”	"	PUNCT
ajbmeb-294	241	84	ranked	rank	VERB
ajbmeb-294	241	85	first	first	ADV
ajbmeb-294	241	86	,	,	PUNCT
ajbmeb-294	241	87	with	with	ADP
ajbmeb-294	241	88	an	an	DET
ajbmeb-294	241	89	arithmetic	arithmetic	ADJ
ajbmeb-294	241	90	mean	mean	NOUN
ajbmeb-294	241	91	of	of	ADP
ajbmeb-294	241	92	(	(	PUNCT
ajbmeb-294	241	93	3.86	3.86	NUM
ajbmeb-294	241	94	)	)	PUNCT
ajbmeb-294	241	95	,	,	PUNCT
ajbmeb-294	241	96	which	which	PRON
ajbmeb-294	241	97	is	be	AUX
ajbmeb-294	241	98	greater	great	ADJ
ajbmeb-294	241	99	than	than	ADP
ajbmeb-294	241	100	the	the	DET
ajbmeb-294	241	101	general	general	ADJ
ajbmeb-294	241	102	arithmetic	arithmetic	ADJ
ajbmeb-294	241	103	mean	mean	NOUN
ajbmeb-294	241	104	of	of	ADP
ajbmeb-294	241	105	(	(	PUNCT
ajbmeb-294	241	106	3.48	3.48	NUM
ajbmeb-294	241	107	)	)	PUNCT
ajbmeb-294	241	108	and	and	CCONJ
ajbmeb-294	241	109	a	a	DET
ajbmeb-294	241	110	standard	standard	ADJ
ajbmeb-294	241	111	deviation	deviation	NOUN
ajbmeb-294	241	112	of	of	ADP
ajbmeb-294	241	113	(	(	PUNCT
ajbmeb-294	241	114	1.002	1.002	NUM
ajbmeb-294	241	115	)	)	PUNCT
ajbmeb-294	241	116	,	,	PUNCT
ajbmeb-294	241	117	while	while	SCONJ
ajbmeb-294	241	118	the	the	DET
ajbmeb-294	241	119	paragraph	paragraph	NOUN
ajbmeb-294	241	120	“	"	PUNCT
ajbmeb-294	241	121	the	the	DET
ajbmeb-294	241	122	bank	bank	NOUN
ajbmeb-294	241	123	has	have	VERB
ajbmeb-294	241	124	programs	program	NOUN
ajbmeb-294	241	125	to	to	PART
ajbmeb-294	241	126	develop	develop	VERB
ajbmeb-294	241	127	its	its	PRON
ajbmeb-294	241	128	services	service	NOUN
ajbmeb-294	241	129	quickly	quickly	ADV
ajbmeb-294	241	130	"	"	PUNCT
ajbmeb-294	241	131	ranked	rank	VERB
ajbmeb-294	241	132	last	last	ADV
ajbmeb-294	241	133	with	with	ADP
ajbmeb-294	241	134	an	an	DET
ajbmeb-294	241	135	arithmetic	arithmetic	ADJ
ajbmeb-294	241	136	mean	mean	NOUN
ajbmeb-294	241	137	of	of	ADP
ajbmeb-294	241	138	(	(	PUNCT
ajbmeb-294	241	139	3.23	3.23	NUM
ajbmeb-294	241	140	)	)	PUNCT
ajbmeb-294	241	141	,	,	PUNCT
ajbmeb-294	241	142	which	which	PRON
ajbmeb-294	241	143	is	be	AUX
ajbmeb-294	241	144	lower	low	ADJ
ajbmeb-294	241	145	than	than	ADP
ajbmeb-294	241	146	the	the	DET
ajbmeb-294	241	147	total	total	ADJ
ajbmeb-294	241	148	arithmetic	arithmetic	ADJ
ajbmeb-294	241	149	mean	mean	NOUN
ajbmeb-294	241	150	of	of	ADP
ajbmeb-294	241	151	(	(	PUNCT
ajbmeb-294	241	152	3.48	3.48	NUM
ajbmeb-294	241	153	)	)	PUNCT
ajbmeb-294	241	154	and	and	CCONJ
ajbmeb-294	241	155	with	with	ADP
ajbmeb-294	241	156	a	a	DET
ajbmeb-294	241	157	standard	standard	ADJ
ajbmeb-294	241	158	deviation	deviation	NOUN
ajbmeb-294	241	159	of	of	ADP
ajbmeb-294	241	160	(	(	PUNCT
ajbmeb-294	241	161	1.002	1.002	NUM
ajbmeb-294	241	162	)	)	PUNCT
ajbmeb-294	241	163	.	.	PUNCT
ajbmeb-294	242	1	second	second	ADV
ajbmeb-294	242	2	:	:	PUNCT
ajbmeb-294	242	3	testing	test	VERB
ajbmeb-294	242	4	the	the	DET
ajbmeb-294	242	5	study	study	NOUN
ajbmeb-294	242	6	hypotheses	hypothese	VERB
ajbmeb-294	242	7	the	the	DET
ajbmeb-294	242	8	main	main	ADJ
ajbmeb-294	242	9	hypothesis	hypothesis	NOUN
ajbmeb-294	242	10	:	:	PUNCT
ajbmeb-294	242	11	(	(	PUNCT
ajbmeb-294	242	12	h01	h01	NOUN
ajbmeb-294	242	13	)	)	PUNCT
ajbmeb-294	242	14	there	there	PRON
ajbmeb-294	242	15	is	be	VERB
ajbmeb-294	242	16	no	no	DET
ajbmeb-294	242	17	effect	effect	NOUN
ajbmeb-294	242	18	of	of	ADP
ajbmeb-294	242	19	target	target	NOUN
ajbmeb-294	242	20	cost	cost	NOUN
ajbmeb-294	242	21	exclusion	exclusion	NOUN
ajbmeb-294	242	22	(	(	PUNCT
ajbmeb-294	242	23	pricing	pricing	NOUN
ajbmeb-294	242	24	of	of	ADP
ajbmeb-294	242	25	banking	banking	NOUN
ajbmeb-294	242	26	services	service	NOUN
ajbmeb-294	242	27	,	,	PUNCT
ajbmeb-294	242	28	profitability	profitability	NOUN
ajbmeb-294	242	29	of	of	ADP
ajbmeb-294	242	30	banks	bank	NOUN
ajbmeb-294	242	31	,	,	PUNCT
ajbmeb-294	242	32	attracting	attract	VERB
ajbmeb-294	242	33	new	new	ADJ
ajbmeb-294	242	34	customers	customer	NOUN
ajbmeb-294	242	35	and	and	CCONJ
ajbmeb-294	242	36	maintaining	maintain	VERB
ajbmeb-294	242	37	existing	exist	VERB
ajbmeb-294	242	38	customers	customer	NOUN
ajbmeb-294	242	39	)	)	PUNCT
ajbmeb-294	242	40	on	on	ADP
ajbmeb-294	242	41	the	the	DET
ajbmeb-294	242	42	competitive	competitive	ADJ
ajbmeb-294	242	43	advantage	advantage	NOUN
ajbmeb-294	242	44	in	in	ADP
ajbmeb-294	242	45	commercial	commercial	ADJ
ajbmeb-294	242	46	banks	bank	NOUN
ajbmeb-294	242	47	in	in	ADP
ajbmeb-294	242	48	iraq	iraq	PROPN
ajbmeb-294	242	49	at	at	ADP
ajbmeb-294	242	50	the	the	DET
ajbmeb-294	242	51	level	level	NOUN
ajbmeb-294	242	52	of	of	ADP
ajbmeb-294	242	53	statistical	statistical	ADJ
ajbmeb-294	242	54	significance	significance	NOUN
ajbmeb-294	242	55	α	α	PRON
ajbmeb-294	242	56	≤	≤	NUM
ajbmeb-294	242	57	0.05	0.05	NUM
ajbmeb-294	242	58	.	.	PUNCT
ajbmeb-294	243	1	multiple	multiple	ADJ
ajbmeb-294	243	2	regression	regression	NOUN
ajbmeb-294	243	3	analysis	analysis	NOUN
ajbmeb-294	243	4	was	be	AUX
ajbmeb-294	243	5	utilized	utilize	VERB
ajbmeb-294	243	6	to	to	PART
ajbmeb-294	243	7	test	test	VERB
ajbmeb-294	243	8	this	this	DET
ajbmeb-294	243	9	hypothesis	hypothesis	NOUN
ajbmeb-294	243	10	since	since	SCONJ
ajbmeb-294	243	11	these	these	DET
ajbmeb-294	243	12	hypotheses	hypothesis	NOUN
ajbmeb-294	243	13	examine	examine	VERB
ajbmeb-294	243	14	the	the	DET
ajbmeb-294	243	15	impact	impact	NOUN
ajbmeb-294	243	16	of	of	ADP
ajbmeb-294	243	17	a	a	DET
ajbmeb-294	243	18	number	number	NOUN
ajbmeb-294	243	19	of	of	ADP
ajbmeb-294	243	20	independent	independent	ADJ
ajbmeb-294	243	21	variables	variable	NOUN
ajbmeb-294	243	22	on	on	ADP
ajbmeb-294	243	23	a	a	DET
ajbmeb-294	243	24	single	single	ADJ
ajbmeb-294	243	25	dependent	dependent	ADJ
ajbmeb-294	243	26	variable	variable	NOUN
ajbmeb-294	243	27	.	.	PUNCT
ajbmeb-294	244	1	the	the	DET
ajbmeb-294	244	2	results	result	NOUN
ajbmeb-294	244	3	of	of	ADP
ajbmeb-294	244	4	testing	test	VERB
ajbmeb-294	244	5	this	this	DET
ajbmeb-294	244	6	hypothesis	hypothesis	NOUN
ajbmeb-294	244	7	appeared	appear	VERB
ajbmeb-294	244	8	in	in	ADP
ajbmeb-294	244	9	the	the	DET
ajbmeb-294	244	10	following	follow	VERB
ajbmeb-294	244	11	table	table	NOUN
ajbmeb-294	244	12	:	:	PUNCT
ajbmeb-294	244	13	table	table	NOUN
ajbmeb-294	244	14	no	no	INTJ
ajbmeb-294	244	15	.	.	PUNCT
ajbmeb-294	245	1	(	(	PUNCT
ajbmeb-294	245	2	9	9	X
ajbmeb-294	245	3	)	)	PUNCT
ajbmeb-294	245	4	testing	test	VERB
ajbmeb-294	245	5	the	the	DET
ajbmeb-294	245	6	first	first	ADJ
ajbmeb-294	245	7	main	main	ADJ
ajbmeb-294	245	8	hypothesis	hypothesis	NOUN
ajbmeb-294	245	9	:	:	PUNCT
ajbmeb-294	245	10	independent	independent	ADJ
ajbmeb-294	245	11	variables	variable	NOUN
ajbmeb-294	245	12	β	β	X
ajbmeb-294	245	13	dependent	dependent	ADJ
ajbmeb-294	245	14	variable	variable	NOUN
ajbmeb-294	245	15	t	t	PROPN
ajbmeb-294	245	16	p	p	ADJ
ajbmeb-294	245	17	-	-	PUNCT
ajbmeb-294	245	18	value	value	NOUN
ajbmeb-294	245	19	calculated	calculate	VERB
ajbmeb-294	245	20	value	value	NOUN
ajbmeb-294	245	21	(	(	PUNCT
ajbmeb-294	245	22	f	f	X
ajbmeb-294	245	23	)	)	PUNCT
ajbmeb-294	245	24	correlation	correlation	NOUN
ajbmeb-294	245	25	coefficient	coefficient	NOUN
ajbmeb-294	245	26	(	(	PUNCT
ajbmeb-294	245	27	r	r	NOUN
ajbmeb-294	245	28	)	)	PUNCT
ajbmeb-294	245	29	coefficient	coefficient	NOUN
ajbmeb-294	245	30	of	of	ADP
ajbmeb-294	245	31	determination	determination	NOUN
ajbmeb-294	245	32	(	(	PUNCT
ajbmeb-294	245	33	r2	r2	NOUN
ajbmeb-294	245	34	)	)	PUNCT
ajbmeb-294	245	35	pricing	pricing	NOUN
ajbmeb-294	245	36	of	of	ADP
ajbmeb-294	245	37	banking	banking	NOUN
ajbmeb-294	245	38	services	service	NOUN
ajbmeb-294	245	39	0.41	0.41	NUM
ajbmeb-294	245	40	competitive	competitive	ADJ
ajbmeb-294	245	41	advantage	advantage	NOUN
ajbmeb-294	245	42	2.369	2.369	NUM
ajbmeb-294	245	43	0.000	0.000	NUM
ajbmeb-294	245	44	14.608	14.608	NUM
ajbmeb-294	245	45	0.663	0.663	NUM
ajbmeb-294	245	46	0.440	0.440	NUM
ajbmeb-294	245	47	profitability	profitability	NOUN
ajbmeb-294	245	48	0.66	0.66	NUM
ajbmeb-294	245	49	attracting	attract	VERB
ajbmeb-294	245	50	new	new	ADJ
ajbmeb-294	245	51	customers	customer	NOUN
ajbmeb-294	245	52	and	and	CCONJ
ajbmeb-294	245	53	maintaining	maintain	VERB
ajbmeb-294	245	54	existing	exist	VERB
ajbmeb-294	245	55	customers	customer	NOUN
ajbmeb-294	245	56	0.46	0.46	NUM
ajbmeb-294	245	57	source	source	NOUN
ajbmeb-294	245	58	:	:	PUNCT
ajbmeb-294	245	59	using	use	VERB
ajbmeb-294	245	60	the	the	DET
ajbmeb-294	245	61	statistical	statistical	ADJ
ajbmeb-294	245	62	program	program	NOUN
ajbmeb-294	245	63	(	(	PUNCT
ajbmeb-294	245	64	spss	spss	PROPN
ajbmeb-294	245	65	)	)	PUNCT
ajbmeb-294	245	66	and	and	CCONJ
ajbmeb-294	245	67	(	(	PUNCT
ajbmeb-294	245	68	excel	excel	PROPN
ajbmeb-294	245	69	)	)	PUNCT
ajbmeb-294	245	70	.	.	PUNCT
ajbmeb-294	246	1	through	through	ADP
ajbmeb-294	246	2	table	table	NOUN
ajbmeb-294	246	3	no	no	PROPN
ajbmeb-294	246	4	.	.	PUNCT
ajbmeb-294	247	1	(	(	PUNCT
ajbmeb-294	247	2	9	9	X
ajbmeb-294	247	3	)	)	PUNCT
ajbmeb-294	247	4	it	it	PRON
ajbmeb-294	247	5	was	be	AUX
ajbmeb-294	247	6	found	find	VERB
ajbmeb-294	247	7	that	that	SCONJ
ajbmeb-294	247	8	there	there	PRON
ajbmeb-294	247	9	is	be	VERB
ajbmeb-294	247	10	an	an	DET
ajbmeb-294	247	11	effect	effect	NOUN
ajbmeb-294	247	12	of	of	ADP
ajbmeb-294	247	13	the	the	DET
ajbmeb-294	247	14	independent	independent	ADJ
ajbmeb-294	247	15	variable	variable	NOUN
ajbmeb-294	247	16	with	with	ADP
ajbmeb-294	247	17	its	its	PRON
ajbmeb-294	247	18	dimensions	dimension	NOUN
ajbmeb-294	247	19	combined	combine	VERB
ajbmeb-294	247	20	on	on	ADP
ajbmeb-294	247	21	the	the	DET
ajbmeb-294	247	22	dependent	dependent	ADJ
ajbmeb-294	247	23	variable	variable	NOUN
ajbmeb-294	247	24	with	with	ADP
ajbmeb-294	247	25	all	all	DET
ajbmeb-294	247	26	its	its	PRON
ajbmeb-294	247	27	dimensions	dimension	NOUN
ajbmeb-294	247	28	,	,	PUNCT
ajbmeb-294	247	29	as	as	ADP
ajbmeb-294	247	30	the	the	DET
ajbmeb-294	247	31	calculated	calculated	ADJ
ajbmeb-294	247	32	f	f	PROPN
ajbmeb-294	247	33	values	value	NOUN
ajbmeb-294	247	34	american	american	PROPN
ajbmeb-294	247	35	journal	journal	PROPN
ajbmeb-294	247	36	of	of	ADP
ajbmeb-294	247	37	business	business	NOUN
ajbmeb-294	247	38	management	management	NOUN
ajbmeb-294	247	39	,	,	PUNCT
ajbmeb-294	247	40	economics	economic	NOUN
ajbmeb-294	247	41	and	and	CCONJ
ajbmeb-294	247	42	banking	banking	NOUN
ajbmeb-294	247	43	volume	volume	NOUN
ajbmeb-294	247	44	8	8	NUM
ajbmeb-294	247	45	,	,	PUNCT
ajbmeb-294	247	46	jan	jan	PROPN
ajbmeb-294	247	47	.	.	PROPN
ajbmeb-294	247	48	,	,	PUNCT
ajbmeb-294	247	49	2023	2023	NUM
ajbmeb-294	247	50	p	p	NOUN
ajbmeb-294	248	1	a	a	DET
ajbmeb-294	248	2	g	g	NOUN
ajbmeb-294	248	3	e	e	NOUN
ajbmeb-294	248	4	|	|	ADV
ajbmeb-294	248	5	35	35	NUM
ajbmeb-294	248	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	248	7	were	be	AUX
ajbmeb-294	248	8	high	high	ADJ
ajbmeb-294	248	9	,	,	PUNCT
ajbmeb-294	248	10	and	and	CCONJ
ajbmeb-294	248	11	the	the	DET
ajbmeb-294	248	12	value	value	NOUN
ajbmeb-294	248	13	of	of	ADP
ajbmeb-294	248	14	the	the	DET
ajbmeb-294	248	15	correlation	correlation	NOUN
ajbmeb-294	248	16	coefficient	coefficient	NOUN
ajbmeb-294	248	17	r	r	NOUN
ajbmeb-294	248	18	was	be	AUX
ajbmeb-294	248	19	0.663	0.663	NUM
ajbmeb-294	248	20	,	,	PUNCT
ajbmeb-294	248	21	and	and	CCONJ
ajbmeb-294	248	22	the	the	DET
ajbmeb-294	248	23	value	value	NOUN
ajbmeb-294	248	24	of	of	ADP
ajbmeb-294	248	25	the	the	DET
ajbmeb-294	248	26	determination	determination	NOUN
ajbmeb-294	248	27	coefficient	coefficient	NOUN
ajbmeb-294	248	28	r2	r2	PROPN
ajbmeb-294	248	29	was	be	AUX
ajbmeb-294	248	30	0.440	0.440	NUM
ajbmeb-294	248	31	,	,	PUNCT
ajbmeb-294	248	32	and	and	CCONJ
ajbmeb-294	248	33	this	this	PRON
ajbmeb-294	248	34	explains	explain	VERB
ajbmeb-294	248	35	the	the	DET
ajbmeb-294	248	36	effect	effect	NOUN
ajbmeb-294	248	37	value	value	NOUN
ajbmeb-294	248	38	of	of	ADP
ajbmeb-294	248	39	the	the	DET
ajbmeb-294	248	40	elements	element	NOUN
ajbmeb-294	248	41	variable	variable	ADJ
ajbmeb-294	248	42	target	target	NOUN
ajbmeb-294	248	43	cost	cost	NOUN
ajbmeb-294	248	44	on	on	ADP
ajbmeb-294	248	45	sustainable	sustainable	ADJ
ajbmeb-294	248	46	competitive	competitive	ADJ
ajbmeb-294	248	47	advantage	advantage	NOUN
ajbmeb-294	248	48	.	.	PUNCT
ajbmeb-294	249	1	from	from	ADP
ajbmeb-294	249	2	the	the	DET
ajbmeb-294	249	3	main	main	ADJ
ajbmeb-294	249	4	hypothesis	hypothesis	NOUN
ajbmeb-294	249	5	,	,	PUNCT
ajbmeb-294	249	6	several	several	ADJ
ajbmeb-294	249	7	sub	sub	NOUN
ajbmeb-294	249	8	-	-	ADJ
ajbmeb-294	249	9	hypotheses	hypothesis	NOUN
ajbmeb-294	249	10	emerge	emerge	VERB
ajbmeb-294	249	11	,	,	PUNCT
ajbmeb-294	249	12	as	as	SCONJ
ajbmeb-294	249	13	follows	follow	VERB
ajbmeb-294	249	14	:	:	PUNCT
ajbmeb-294	249	15	sub	sub	ADJ
ajbmeb-294	249	16	-	-	ADJ
ajbmeb-294	249	17	hypothesis	hypothesis	NOUN
ajbmeb-294	249	18	number	number	NOUN
ajbmeb-294	249	19	one	one	NUM
ajbmeb-294	249	20	:	:	PUNCT
ajbmeb-294	249	21	(	(	PUNCT
ajbmeb-294	249	22	h01.1	h01.1	PROPN
ajbmeb-294	249	23	)	)	PUNCT
ajbmeb-294	249	24	the	the	DET
ajbmeb-294	249	25	target	target	NOUN
ajbmeb-294	249	26	cost	cost	NOUN
ajbmeb-294	249	27	dimensions	dimension	NOUN
ajbmeb-294	249	28	shown	show	VERB
ajbmeb-294	249	29	by	by	ADP
ajbmeb-294	249	30	have	have	AUX
ajbmeb-294	249	31	no	no	DET
ajbmeb-294	249	32	impact	impact	NOUN
ajbmeb-294	249	33	on	on	ADP
ajbmeb-294	249	34	(	(	PUNCT
ajbmeb-294	249	35	pricing	pricing	NOUN
ajbmeb-294	249	36	of	of	ADP
ajbmeb-294	249	37	banking	banking	NOUN
ajbmeb-294	249	38	services	service	NOUN
ajbmeb-294	249	39	,	,	PUNCT
ajbmeb-294	249	40	profitability	profitability	NOUN
ajbmeb-294	249	41	of	of	ADP
ajbmeb-294	249	42	banks	bank	NOUN
ajbmeb-294	249	43	,	,	PUNCT
ajbmeb-294	249	44	attracting	attract	VERB
ajbmeb-294	249	45	new	new	ADJ
ajbmeb-294	249	46	customers	customer	NOUN
ajbmeb-294	249	47	and	and	CCONJ
ajbmeb-294	249	48	maintaining	maintain	VERB
ajbmeb-294	249	49	existing	exist	VERB
ajbmeb-294	249	50	customers	customer	NOUN
ajbmeb-294	249	51	)	)	PUNCT
ajbmeb-294	249	52	on	on	ADP
ajbmeb-294	249	53	the	the	DET
ajbmeb-294	249	54	cost	cost	NOUN
ajbmeb-294	249	55	variable	variable	NOUN
ajbmeb-294	249	56	in	in	ADP
ajbmeb-294	249	57	commercial	commercial	ADJ
ajbmeb-294	249	58	banks	bank	NOUN
ajbmeb-294	249	59	in	in	ADP
ajbmeb-294	249	60	iraq	iraq	PROPN
ajbmeb-294	249	61	at	at	ADP
ajbmeb-294	249	62	the	the	DET
ajbmeb-294	249	63	level	level	NOUN
ajbmeb-294	249	64	of	of	ADP
ajbmeb-294	249	65	statistical	statistical	ADJ
ajbmeb-294	249	66	significance	significance	NOUN
ajbmeb-294	249	67	α	α	PRON
ajbmeb-294	249	68	≤	≤	NUM
ajbmeb-294	249	69	0.05	0.05	NUM
ajbmeb-294	249	70	.	.	PUNCT
ajbmeb-294	250	1	table	table	NOUN
ajbmeb-294	250	2	no	no	INTJ
ajbmeb-294	250	3	.	.	PUNCT
ajbmeb-294	251	1	(	(	PUNCT
ajbmeb-294	251	2	10	10	NUM
ajbmeb-294	251	3	)	)	PUNCT
ajbmeb-294	251	4	results	result	NOUN
ajbmeb-294	251	5	of	of	ADP
ajbmeb-294	251	6	testing	test	VERB
ajbmeb-294	251	7	the	the	DET
ajbmeb-294	251	8	first	first	ADJ
ajbmeb-294	251	9	sub	sub	NOUN
ajbmeb-294	251	10	-	-	NOUN
ajbmeb-294	251	11	hypothesis	hypothesis	NOUN
ajbmeb-294	251	12	:	:	PUNCT
ajbmeb-294	251	13	independent	independent	ADJ
ajbmeb-294	251	14	variables	variable	NOUN
ajbmeb-294	251	15	β	β	X
ajbmeb-294	251	16	dependent	dependent	ADJ
ajbmeb-294	251	17	variable	variable	NOUN
ajbmeb-294	251	18	t	t	PROPN
ajbmeb-294	251	19	p	p	ADJ
ajbmeb-294	251	20	-	-	PUNCT
ajbmeb-294	251	21	value	value	NOUN
ajbmeb-294	251	22	calculated	calculate	VERB
ajbmeb-294	251	23	value	value	NOUN
ajbmeb-294	251	24	(	(	PUNCT
ajbmeb-294	251	25	f	f	X
ajbmeb-294	251	26	)	)	PUNCT
ajbmeb-294	251	27	correlation	correlation	NOUN
ajbmeb-294	251	28	coefficient	coefficient	NOUN
ajbmeb-294	251	29	(	(	PUNCT
ajbmeb-294	251	30	r	r	NOUN
ajbmeb-294	251	31	)	)	PUNCT
ajbmeb-294	251	32	coefficient	coefficient	NOUN
ajbmeb-294	251	33	of	of	ADP
ajbmeb-294	251	34	determination	determination	NOUN
ajbmeb-294	251	35	(	(	PUNCT
ajbmeb-294	251	36	r2	r2	NOUN
ajbmeb-294	251	37	)	)	PUNCT
ajbmeb-294	251	38	pricing	pricing	NOUN
ajbmeb-294	251	39	of	of	ADP
ajbmeb-294	251	40	banking	banking	NOUN
ajbmeb-294	251	41	services	service	NOUN
ajbmeb-294	251	42	0.47	0.47	NUM
ajbmeb-294	251	43	cost	cost	VERB
ajbmeb-294	251	44	3.822	3.822	NUM
ajbmeb-294	251	45	0.000	0.000	NUM
ajbmeb-294	251	46	25.204	25.204	NUM
ajbmeb-294	251	47	0.393	0.393	NUM
ajbmeb-294	251	48	0.154	0.154	NUM
ajbmeb-294	251	49	profitability	profitability	NOUN
ajbmeb-294	251	50	0.66	0.66	NUM
ajbmeb-294	251	51	attracting	attract	VERB
ajbmeb-294	251	52	new	new	ADJ
ajbmeb-294	251	53	customers	customer	NOUN
ajbmeb-294	251	54	and	and	CCONJ
ajbmeb-294	251	55	maintaining	maintain	VERB
ajbmeb-294	251	56	existing	exist	VERB
ajbmeb-294	251	57	customers	customer	NOUN
ajbmeb-294	251	58	0.97	0.97	NUM
ajbmeb-294	251	59	source	source	NOUN
ajbmeb-294	251	60	:	:	PUNCT
ajbmeb-294	251	61	using	use	VERB
ajbmeb-294	251	62	the	the	DET
ajbmeb-294	251	63	statistical	statistical	ADJ
ajbmeb-294	251	64	program	program	NOUN
ajbmeb-294	251	65	(	(	PUNCT
ajbmeb-294	251	66	spss	spss	PROPN
ajbmeb-294	251	67	)	)	PUNCT
ajbmeb-294	251	68	and	and	CCONJ
ajbmeb-294	251	69	(	(	PUNCT
ajbmeb-294	251	70	excel	excel	PROPN
ajbmeb-294	251	71	)	)	PUNCT
ajbmeb-294	251	72	.	.	PUNCT
ajbmeb-294	252	1	with	with	ADP
ajbmeb-294	252	2	reference	reference	NOUN
ajbmeb-294	252	3	to	to	ADP
ajbmeb-294	252	4	the	the	DET
ajbmeb-294	252	5	results	result	NOUN
ajbmeb-294	252	6	of	of	ADP
ajbmeb-294	252	7	table	table	NOUN
ajbmeb-294	252	8	no	no	INTJ
ajbmeb-294	252	9	.	.	PUNCT
ajbmeb-294	253	1	(	(	PUNCT
ajbmeb-294	253	2	10	10	NUM
ajbmeb-294	253	3	)	)	PUNCT
ajbmeb-294	253	4	,	,	PUNCT
ajbmeb-294	253	5	which	which	PRON
ajbmeb-294	253	6	includes	include	VERB
ajbmeb-294	253	7	the	the	DET
ajbmeb-294	253	8	results	result	NOUN
ajbmeb-294	253	9	of	of	ADP
ajbmeb-294	253	10	testing	test	VERB
ajbmeb-294	253	11	the	the	DET
ajbmeb-294	253	12	first	first	ADJ
ajbmeb-294	253	13	subhypothesis	subhypothesis	NOUN
ajbmeb-294	253	14	,	,	PUNCT
ajbmeb-294	253	15	and	and	CCONJ
ajbmeb-294	253	16	with	with	ADP
ajbmeb-294	253	17	reference	reference	NOUN
ajbmeb-294	253	18	to	to	ADP
ajbmeb-294	253	19	the	the	DET
ajbmeb-294	253	20	results	result	NOUN
ajbmeb-294	253	21	of	of	ADP
ajbmeb-294	253	22	the	the	DET
ajbmeb-294	253	23	first	first	ADJ
ajbmeb-294	253	24	sub	sub	NOUN
ajbmeb-294	253	25	-	-	NOUN
ajbmeb-294	253	26	hypothesis	hypothesis	NOUN
ajbmeb-294	253	27	,	,	PUNCT
ajbmeb-294	253	28	we	we	PRON
ajbmeb-294	253	29	find	find	VERB
ajbmeb-294	253	30	that	that	SCONJ
ajbmeb-294	253	31	the	the	DET
ajbmeb-294	253	32	calculated	calculated	ADJ
ajbmeb-294	253	33	(	(	PUNCT
ajbmeb-294	253	34	t	t	NOUN
ajbmeb-294	253	35	)	)	PUNCT
ajbmeb-294	253	36	value	value	NOUN
ajbmeb-294	253	37	(	(	PUNCT
ajbmeb-294	253	38	3.822	3.822	NUM
ajbmeb-294	253	39	)	)	PUNCT
ajbmeb-294	253	40	is	be	AUX
ajbmeb-294	253	41	higher	high	ADJ
ajbmeb-294	253	42	than	than	ADP
ajbmeb-294	253	43	its	its	PRON
ajbmeb-294	253	44	tabular	tabular	NOUN
ajbmeb-294	253	45	value	value	NOUN
ajbmeb-294	253	46	at	at	ADP
ajbmeb-294	253	47	the	the	DET
ajbmeb-294	253	48	level	level	NOUN
ajbmeb-294	253	49	of	of	ADP
ajbmeb-294	253	50	significance	significance	NOUN
ajbmeb-294	253	51	(	(	PUNCT
ajbmeb-294	253	52	0.05	0.05	NUM
ajbmeb-294	253	53	)	)	PUNCT
ajbmeb-294	253	54	equal	equal	ADJ
ajbmeb-294	253	55	to	to	ADP
ajbmeb-294	253	56	(	(	PUNCT
ajbmeb-294	253	57	1.96	1.96	NUM
ajbmeb-294	253	58	)	)	PUNCT
ajbmeb-294	253	59	.	.	PUNCT
ajbmeb-294	254	1	the	the	DET
ajbmeb-294	254	2	value	value	NOUN
ajbmeb-294	254	3	of	of	ADP
ajbmeb-294	254	4	the	the	DET
ajbmeb-294	254	5	observed	observe	VERB
ajbmeb-294	254	6	significance	significance	NOUN
ajbmeb-294	254	7	level	level	NOUN
ajbmeb-294	254	8	,	,	PUNCT
ajbmeb-294	254	9	the	the	DET
ajbmeb-294	254	10	p	p	NOUN
ajbmeb-294	254	11	-	-	PUNCT
ajbmeb-294	254	12	value	value	NOUN
ajbmeb-294	254	13	,	,	PUNCT
ajbmeb-294	254	14	is	be	AUX
ajbmeb-294	254	15	equal	equal	ADJ
ajbmeb-294	254	16	to	to	ADP
ajbmeb-294	254	17	(	(	PUNCT
ajbmeb-294	254	18	0.000	0.000	NUM
ajbmeb-294	254	19	)	)	PUNCT
ajbmeb-294	254	20	,	,	PUNCT
ajbmeb-294	254	21	which	which	PRON
ajbmeb-294	254	22	is	be	AUX
ajbmeb-294	254	23	greater	great	ADJ
ajbmeb-294	254	24	than	than	ADP
ajbmeb-294	254	25	the	the	DET
ajbmeb-294	254	26	approved	approve	VERB
ajbmeb-294	254	27	significant	significant	ADJ
ajbmeb-294	254	28	value	value	NOUN
ajbmeb-294	254	29	,	,	PUNCT
ajbmeb-294	254	30	which	which	PRON
ajbmeb-294	254	31	entails	entail	VERB
ajbmeb-294	254	32	rejecting	reject	VERB
ajbmeb-294	254	33	the	the	DET
ajbmeb-294	254	34	null	null	ADJ
ajbmeb-294	254	35	hypothesis	hypothesis	NOUN
ajbmeb-294	254	36	,	,	PUNCT
ajbmeb-294	254	37	which	which	PRON
ajbmeb-294	254	38	states	state	VERB
ajbmeb-294	254	39	that	that	SCONJ
ajbmeb-294	254	40	the	the	DET
ajbmeb-294	254	41	target	target	NOUN
ajbmeb-294	254	42	cost	cost	NOUN
ajbmeb-294	254	43	elements	element	NOUN
ajbmeb-294	254	44	have	have	VERB
ajbmeb-294	254	45	no	no	DET
ajbmeb-294	254	46	statistically	statistically	ADV
ajbmeb-294	254	47	significant	significant	ADJ
ajbmeb-294	254	48	impact	impact	NOUN
ajbmeb-294	254	49	on	on	ADP
ajbmeb-294	254	50	the	the	DET
ajbmeb-294	254	51	cost	cost	NOUN
ajbmeb-294	254	52	variable	variable	NOUN
ajbmeb-294	254	53	,	,	PUNCT
ajbmeb-294	254	54	and	and	CCONJ
ajbmeb-294	254	55	accepting	accept	VERB
ajbmeb-294	254	56	the	the	DET
ajbmeb-294	254	57	alternative	alternative	ADJ
ajbmeb-294	254	58	hypothesis	hypothesis	NOUN
ajbmeb-294	254	59	,	,	PUNCT
ajbmeb-294	254	60	which	which	PRON
ajbmeb-294	254	61	states	state	VERB
ajbmeb-294	254	62	that	that	SCONJ
ajbmeb-294	254	63	the	the	DET
ajbmeb-294	254	64	cost	cost	NOUN
ajbmeb-294	254	65	dimension	dimension	NOUN
ajbmeb-294	254	66	has	have	VERB
ajbmeb-294	254	67	a	a	DET
ajbmeb-294	254	68	statistically	statistically	ADV
ajbmeb-294	254	69	significant	significant	ADJ
ajbmeb-294	254	70	impact	impact	NOUN
ajbmeb-294	254	71	on	on	ADP
ajbmeb-294	254	72	the	the	DET
ajbmeb-294	254	73	sustained	sustain	VERB
ajbmeb-294	254	74	competitive	competitive	ADJ
ajbmeb-294	254	75	advantage	advantage	NOUN
ajbmeb-294	254	76	in	in	ADP
ajbmeb-294	254	77	commercial	commercial	ADJ
ajbmeb-294	254	78	banks	bank	NOUN
ajbmeb-294	254	79	in	in	ADP
ajbmeb-294	254	80	iraq	iraq	PROPN
ajbmeb-294	254	81	.	.	PUNCT
ajbmeb-294	255	1	the	the	DET
ajbmeb-294	255	2	second	second	ADJ
ajbmeb-294	255	3	sub	sub	NOUN
ajbmeb-294	255	4	-	-	NOUN
ajbmeb-294	255	5	hypothesis	hypothesis	NOUN
ajbmeb-294	255	6	:	:	PUNCT
ajbmeb-294	255	7	(	(	PUNCT
ajbmeb-294	255	8	h01.2	h01.2	NOUN
ajbmeb-294	255	9	)	)	PUNCT
ajbmeb-294	255	10	there	there	PRON
ajbmeb-294	255	11	is	be	VERB
ajbmeb-294	255	12	no	no	DET
ajbmeb-294	255	13	effect	effect	NOUN
ajbmeb-294	255	14	of	of	ADP
ajbmeb-294	255	15	the	the	DET
ajbmeb-294	255	16	target	target	NOUN
ajbmeb-294	255	17	cost	cost	NOUN
ajbmeb-294	255	18	dimension	dimension	NOUN
ajbmeb-294	255	19	represented	represent	VERB
ajbmeb-294	255	20	by	by	ADP
ajbmeb-294	255	21	(	(	PUNCT
ajbmeb-294	255	22	pricing	pricing	NOUN
ajbmeb-294	255	23	of	of	ADP
ajbmeb-294	255	24	banking	banking	NOUN
ajbmeb-294	255	25	services	service	NOUN
ajbmeb-294	255	26	,	,	PUNCT
ajbmeb-294	255	27	profitability	profitability	NOUN
ajbmeb-294	255	28	of	of	ADP
ajbmeb-294	255	29	banks	bank	NOUN
ajbmeb-294	255	30	,	,	PUNCT
ajbmeb-294	255	31	attracting	attract	VERB
ajbmeb-294	255	32	new	new	ADJ
ajbmeb-294	255	33	customers	customer	NOUN
ajbmeb-294	255	34	and	and	CCONJ
ajbmeb-294	255	35	maintaining	maintain	VERB
ajbmeb-294	255	36	existing	exist	VERB
ajbmeb-294	255	37	customers	customer	NOUN
ajbmeb-294	255	38	)	)	PUNCT
ajbmeb-294	255	39	on	on	ADP
ajbmeb-294	255	40	the	the	DET
ajbmeb-294	255	41	variable	variable	NOUN
ajbmeb-294	255	42	of	of	ADP
ajbmeb-294	255	43	quality	quality	NOUN
ajbmeb-294	255	44	in	in	ADP
ajbmeb-294	255	45	commercial	commercial	ADJ
ajbmeb-294	255	46	banks	bank	NOUN
ajbmeb-294	255	47	in	in	ADP
ajbmeb-294	255	48	iraq	iraq	PROPN
ajbmeb-294	255	49	at	at	ADP
ajbmeb-294	255	50	the	the	DET
ajbmeb-294	255	51	level	level	NOUN
ajbmeb-294	255	52	of	of	ADP
ajbmeb-294	255	53	statistical	statistical	ADJ
ajbmeb-294	255	54	significance	significance	NOUN
ajbmeb-294	255	55	α	α	PRON
ajbmeb-294	255	56	≤	≤	NUM
ajbmeb-294	255	57	0.05	0.05	NUM
ajbmeb-294	255	58	.	.	PUNCT
ajbmeb-294	256	1	table	table	NOUN
ajbmeb-294	256	2	no	no	INTJ
ajbmeb-294	256	3	.	.	PUNCT
ajbmeb-294	257	1	(	(	PUNCT
ajbmeb-294	257	2	11	11	NUM
ajbmeb-294	257	3	)	)	PUNCT
ajbmeb-294	257	4	results	result	NOUN
ajbmeb-294	257	5	of	of	ADP
ajbmeb-294	257	6	testing	test	VERB
ajbmeb-294	257	7	the	the	DET
ajbmeb-294	257	8	second	second	ADJ
ajbmeb-294	257	9	sub	sub	NOUN
ajbmeb-294	257	10	-	-	NOUN
ajbmeb-294	257	11	hypothesis	hypothesis	NOUN
ajbmeb-294	257	12	:	:	PUNCT
ajbmeb-294	257	13	independent	independent	ADJ
ajbmeb-294	257	14	variables	variable	NOUN
ajbmeb-294	257	15	β	β	X
ajbmeb-294	257	16	dependent	dependent	ADJ
ajbmeb-294	257	17	variable	variable	NOUN
ajbmeb-294	257	18	t	t	PROPN
ajbmeb-294	257	19	p	p	ADJ
ajbmeb-294	257	20	-	-	PUNCT
ajbmeb-294	257	21	value	value	NOUN
ajbmeb-294	257	22	calculated	calculate	VERB
ajbmeb-294	257	23	value	value	NOUN
ajbmeb-294	257	24	(	(	PUNCT
ajbmeb-294	257	25	f	f	X
ajbmeb-294	257	26	)	)	PUNCT
ajbmeb-294	257	27	correlation	correlation	NOUN
ajbmeb-294	257	28	coefficient	coefficient	NOUN
ajbmeb-294	257	29	(	(	PUNCT
ajbmeb-294	257	30	r	r	NOUN
ajbmeb-294	257	31	)	)	PUNCT
ajbmeb-294	257	32	coefficient	coefficient	NOUN
ajbmeb-294	257	33	of	of	ADP
ajbmeb-294	257	34	determination	determination	NOUN
ajbmeb-294	257	35	(	(	PUNCT
ajbmeb-294	257	36	r2	r2	NOUN
ajbmeb-294	257	37	)	)	PUNCT
ajbmeb-294	257	38	pricing	pricing	NOUN
ajbmeb-294	257	39	of	of	ADP
ajbmeb-294	257	40	banking	banking	NOUN
ajbmeb-294	257	41	services	service	NOUN
ajbmeb-294	257	42	0.57	0.57	NUM
ajbmeb-294	257	43	quality	quality	NOUN
ajbmeb-294	258	1	5.020	5.020	NUM
ajbmeb-294	258	2	0.000	0.000	NUM
ajbmeb-294	258	3	25.204	25.204	NUM
ajbmeb-294	258	4	0.393	0.393	NUM
ajbmeb-294	258	5	0.154	0.154	NUM
ajbmeb-294	258	6	profitability	profitability	NOUN
ajbmeb-294	258	7	0.98	0.98	NUM
ajbmeb-294	258	8	attracting	attract	VERB
ajbmeb-294	258	9	new	new	ADJ
ajbmeb-294	258	10	customers	customer	NOUN
ajbmeb-294	258	11	and	and	CCONJ
ajbmeb-294	258	12	maintaining	maintain	VERB
ajbmeb-294	258	13	existing	exist	VERB
ajbmeb-294	258	14	customers	customer	NOUN
ajbmeb-294	258	15	0.47	0.47	NUM
ajbmeb-294	258	16	source	source	NOUN
ajbmeb-294	258	17	:	:	PUNCT
ajbmeb-294	258	18	using	use	VERB
ajbmeb-294	258	19	the	the	DET
ajbmeb-294	258	20	statistical	statistical	ADJ
ajbmeb-294	258	21	program	program	NOUN
ajbmeb-294	258	22	(	(	PUNCT
ajbmeb-294	258	23	spss	spss	PROPN
ajbmeb-294	258	24	)	)	PUNCT
ajbmeb-294	258	25	and	and	CCONJ
ajbmeb-294	258	26	(	(	PUNCT
ajbmeb-294	258	27	excel	excel	PROPN
ajbmeb-294	258	28	)	)	PUNCT
ajbmeb-294	258	29	.	.	PUNCT
ajbmeb-294	259	1	american	american	PROPN
ajbmeb-294	259	2	journal	journal	PROPN
ajbmeb-294	259	3	of	of	ADP
ajbmeb-294	259	4	business	business	NOUN
ajbmeb-294	259	5	management	management	NOUN
ajbmeb-294	259	6	,	,	PUNCT
ajbmeb-294	259	7	economics	economic	NOUN
ajbmeb-294	259	8	and	and	CCONJ
ajbmeb-294	259	9	banking	banking	NOUN
ajbmeb-294	259	10	volume	volume	NOUN
ajbmeb-294	259	11	8	8	NUM
ajbmeb-294	259	12	,	,	PUNCT
ajbmeb-294	259	13	jan	jan	PROPN
ajbmeb-294	259	14	.	.	PROPN
ajbmeb-294	259	15	,	,	PUNCT
ajbmeb-294	259	16	2023	2023	NUM
ajbmeb-294	259	17	p	p	NOUN
ajbmeb-294	259	18	a	a	DET
ajbmeb-294	259	19	g	g	NOUN
ajbmeb-294	259	20	e	e	NOUN
ajbmeb-294	259	21	|	|	ADV
ajbmeb-294	259	22	36	36	NUM
ajbmeb-294	259	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	259	24	with	with	ADP
ajbmeb-294	259	25	reference	reference	NOUN
ajbmeb-294	259	26	to	to	ADP
ajbmeb-294	259	27	the	the	DET
ajbmeb-294	259	28	results	result	NOUN
ajbmeb-294	259	29	of	of	ADP
ajbmeb-294	259	30	table	table	NOUN
ajbmeb-294	259	31	no	no	INTJ
ajbmeb-294	259	32	.	.	PUNCT
ajbmeb-294	260	1	(	(	PUNCT
ajbmeb-294	260	2	11	11	NUM
ajbmeb-294	260	3	)	)	PUNCT
ajbmeb-294	260	4	,	,	PUNCT
ajbmeb-294	260	5	which	which	PRON
ajbmeb-294	260	6	includes	include	VERB
ajbmeb-294	260	7	the	the	DET
ajbmeb-294	260	8	results	result	NOUN
ajbmeb-294	260	9	of	of	ADP
ajbmeb-294	260	10	testing	test	VERB
ajbmeb-294	260	11	the	the	DET
ajbmeb-294	260	12	second	second	ADJ
ajbmeb-294	260	13	hypothesis	hypothesis	NOUN
ajbmeb-294	260	14	,	,	PUNCT
ajbmeb-294	260	15	and	and	CCONJ
ajbmeb-294	260	16	with	with	ADP
ajbmeb-294	260	17	reference	reference	NOUN
ajbmeb-294	260	18	to	to	ADP
ajbmeb-294	260	19	the	the	DET
ajbmeb-294	260	20	results	result	NOUN
ajbmeb-294	260	21	of	of	ADP
ajbmeb-294	260	22	the	the	DET
ajbmeb-294	260	23	second	second	ADJ
ajbmeb-294	260	24	sub	sub	NOUN
ajbmeb-294	260	25	-	-	NOUN
ajbmeb-294	260	26	hypothesis	hypothesis	NOUN
ajbmeb-294	260	27	,	,	PUNCT
ajbmeb-294	260	28	we	we	PRON
ajbmeb-294	260	29	find	find	VERB
ajbmeb-294	260	30	that	that	SCONJ
ajbmeb-294	260	31	the	the	DET
ajbmeb-294	260	32	calculated	calculated	ADJ
ajbmeb-294	260	33	(	(	PUNCT
ajbmeb-294	260	34	t	t	NOUN
ajbmeb-294	260	35	)	)	PUNCT
ajbmeb-294	260	36	value	value	NOUN
ajbmeb-294	260	37	(	(	PUNCT
ajbmeb-294	260	38	5.020	5.020	NUM
ajbmeb-294	260	39	)	)	PUNCT
ajbmeb-294	260	40	is	be	AUX
ajbmeb-294	260	41	higher	high	ADJ
ajbmeb-294	260	42	than	than	ADP
ajbmeb-294	260	43	its	its	PRON
ajbmeb-294	260	44	tabular	tabular	NOUN
ajbmeb-294	260	45	value	value	NOUN
ajbmeb-294	260	46	at	at	ADP
ajbmeb-294	260	47	the	the	DET
ajbmeb-294	260	48	significance	significance	NOUN
ajbmeb-294	260	49	level	level	NOUN
ajbmeb-294	260	50	(	(	PUNCT
ajbmeb-294	260	51	0.05	0.05	NUM
ajbmeb-294	260	52	)	)	PUNCT
ajbmeb-294	260	53	and	and	CCONJ
ajbmeb-294	260	54	equal	equal	ADJ
ajbmeb-294	260	55	to	to	ADP
ajbmeb-294	260	56	(	(	PUNCT
ajbmeb-294	260	57	1.96	1.96	NUM
ajbmeb-294	260	58	)	)	PUNCT
ajbmeb-294	260	59	,	,	PUNCT
ajbmeb-294	260	60	and	and	CCONJ
ajbmeb-294	260	61	that	that	SCONJ
ajbmeb-294	260	62	the	the	DET
ajbmeb-294	260	63	value	value	NOUN
ajbmeb-294	260	64	of	of	ADP
ajbmeb-294	260	65	the	the	DET
ajbmeb-294	260	66	significance	significance	NOUN
ajbmeb-294	260	67	level	level	NOUN
ajbmeb-294	260	68	the	the	DET
ajbmeb-294	260	69	viewer	viewer	NOUN
ajbmeb-294	260	70	's	's	PART
ajbmeb-294	260	71	p	p	NOUN
ajbmeb-294	260	72	-	-	PUNCT
ajbmeb-294	260	73	value	value	NOUN
ajbmeb-294	260	74	is	be	AUX
ajbmeb-294	260	75	equal	equal	ADJ
ajbmeb-294	260	76	to	to	ADP
ajbmeb-294	260	77	(	(	PUNCT
ajbmeb-294	260	78	0.000	0.000	NUM
ajbmeb-294	260	79	)	)	PUNCT
ajbmeb-294	260	80	,	,	PUNCT
ajbmeb-294	260	81	which	which	PRON
ajbmeb-294	260	82	is	be	AUX
ajbmeb-294	260	83	greater	great	ADJ
ajbmeb-294	260	84	than	than	ADP
ajbmeb-294	260	85	the	the	DET
ajbmeb-294	260	86	approved	approve	VERB
ajbmeb-294	260	87	significance	significance	NOUN
ajbmeb-294	260	88	value	value	NOUN
ajbmeb-294	260	89	,	,	PUNCT
ajbmeb-294	260	90	it	it	PRON
ajbmeb-294	260	91	entails	entail	VERB
ajbmeb-294	260	92	disproving	disprove	VERB
ajbmeb-294	260	93	the	the	DET
ajbmeb-294	260	94	null	null	ADJ
ajbmeb-294	260	95	hypothesis	hypothesis	NOUN
ajbmeb-294	260	96	,	,	PUNCT
ajbmeb-294	260	97	which	which	PRON
ajbmeb-294	260	98	claims	claim	VERB
ajbmeb-294	260	99	that	that	SCONJ
ajbmeb-294	260	100	lowering	lower	VERB
ajbmeb-294	260	101	the	the	DET
ajbmeb-294	260	102	target	target	NOUN
ajbmeb-294	260	103	cost	cost	NOUN
ajbmeb-294	260	104	has	have	VERB
ajbmeb-294	260	105	no	no	DET
ajbmeb-294	260	106	statistically	statistically	ADV
ajbmeb-294	260	107	significant	significant	ADJ
ajbmeb-294	260	108	impact	impact	NOUN
ajbmeb-294	260	109	on	on	ADP
ajbmeb-294	260	110	quality	quality	NOUN
ajbmeb-294	260	111	,	,	PUNCT
ajbmeb-294	260	112	additionally	additionally	ADV
ajbmeb-294	260	113	,	,	PUNCT
ajbmeb-294	260	114	if	if	SCONJ
ajbmeb-294	260	115	the	the	DET
ajbmeb-294	260	116	alternative	alternative	ADJ
ajbmeb-294	260	117	hypothesis	hypothesis	NOUN
ajbmeb-294	260	118	is	be	AUX
ajbmeb-294	260	119	correct	correct	ADJ
ajbmeb-294	260	120	,	,	PUNCT
ajbmeb-294	260	121	and	and	CCONJ
ajbmeb-294	260	122	the	the	DET
ajbmeb-294	260	123	quality	quality	NOUN
ajbmeb-294	260	124	dimension	dimension	NOUN
ajbmeb-294	260	125	has	have	VERB
ajbmeb-294	260	126	a	a	DET
ajbmeb-294	260	127	statistically	statistically	ADV
ajbmeb-294	260	128	significant	significant	ADJ
ajbmeb-294	260	129	impact	impact	NOUN
ajbmeb-294	260	130	on	on	ADP
ajbmeb-294	260	131	the	the	DET
ajbmeb-294	260	132	sustainable	sustainable	ADJ
ajbmeb-294	260	133	competitive	competitive	ADJ
ajbmeb-294	260	134	advantage	advantage	NOUN
ajbmeb-294	260	135	in	in	ADP
ajbmeb-294	260	136	commercial	commercial	ADJ
ajbmeb-294	260	137	banks	bank	NOUN
ajbmeb-294	260	138	in	in	ADP
ajbmeb-294	260	139	iraq	iraq	PROPN
ajbmeb-294	260	140	.	.	PUNCT
ajbmeb-294	261	1	the	the	DET
ajbmeb-294	261	2	third	third	ADJ
ajbmeb-294	261	3	sub	sub	NOUN
ajbmeb-294	261	4	-	-	NOUN
ajbmeb-294	261	5	hypothesis	hypothesis	NOUN
ajbmeb-294	261	6	:	:	PUNCT
ajbmeb-294	261	7	(	(	PUNCT
ajbmeb-294	261	8	h01.3	h01.3	PROPN
ajbmeb-294	261	9	)	)	PUNCT
ajbmeb-294	261	10	the	the	DET
ajbmeb-294	261	11	target	target	NOUN
ajbmeb-294	261	12	cost	cost	NOUN
ajbmeb-294	261	13	has	have	VERB
ajbmeb-294	261	14	no	no	DET
ajbmeb-294	261	15	bearing	bearing	NOUN
ajbmeb-294	261	16	dimension	dimension	NOUN
ajbmeb-294	261	17	represented	represent	VERB
ajbmeb-294	261	18	by	by	ADP
ajbmeb-294	261	19	(	(	PUNCT
ajbmeb-294	261	20	pricing	pricing	NOUN
ajbmeb-294	261	21	of	of	ADP
ajbmeb-294	261	22	banking	banking	NOUN
ajbmeb-294	261	23	services	service	NOUN
ajbmeb-294	261	24	,	,	PUNCT
ajbmeb-294	261	25	profitability	profitability	NOUN
ajbmeb-294	261	26	of	of	ADP
ajbmeb-294	261	27	banks	bank	NOUN
ajbmeb-294	261	28	,	,	PUNCT
ajbmeb-294	261	29	attracting	attract	VERB
ajbmeb-294	261	30	new	new	ADJ
ajbmeb-294	261	31	customers	customer	NOUN
ajbmeb-294	261	32	and	and	CCONJ
ajbmeb-294	261	33	maintaining	maintain	VERB
ajbmeb-294	261	34	existing	exist	VERB
ajbmeb-294	261	35	customers	customer	NOUN
ajbmeb-294	261	36	)	)	PUNCT
ajbmeb-294	261	37	on	on	ADP
ajbmeb-294	261	38	the	the	DET
ajbmeb-294	261	39	creativity	creativity	NOUN
ajbmeb-294	261	40	variable	variable	NOUN
ajbmeb-294	261	41	in	in	ADP
ajbmeb-294	261	42	commercial	commercial	ADJ
ajbmeb-294	261	43	banks	bank	NOUN
ajbmeb-294	261	44	in	in	ADP
ajbmeb-294	261	45	iraq	iraq	PROPN
ajbmeb-294	261	46	at	at	ADP
ajbmeb-294	261	47	the	the	DET
ajbmeb-294	261	48	level	level	NOUN
ajbmeb-294	261	49	of	of	ADP
ajbmeb-294	261	50	statistical	statistical	ADJ
ajbmeb-294	261	51	significance	significance	NOUN
ajbmeb-294	261	52	α	α	PRON
ajbmeb-294	261	53	≤	≤	NUM
ajbmeb-294	261	54	0.05	0.05	NUM
ajbmeb-294	261	55	.	.	PUNCT
ajbmeb-294	262	1	table	table	NOUN
ajbmeb-294	262	2	no	no	INTJ
ajbmeb-294	262	3	.	.	PUNCT
ajbmeb-294	263	1	(	(	PUNCT
ajbmeb-294	263	2	12	12	NUM
ajbmeb-294	263	3	)	)	PUNCT
ajbmeb-294	263	4	results	result	NOUN
ajbmeb-294	263	5	of	of	ADP
ajbmeb-294	263	6	testing	test	VERB
ajbmeb-294	263	7	the	the	DET
ajbmeb-294	263	8	third	third	ADJ
ajbmeb-294	263	9	sub	sub	NOUN
ajbmeb-294	263	10	-	-	NOUN
ajbmeb-294	263	11	hypothesis	hypothesis	NOUN
ajbmeb-294	263	12	:	:	PUNCT
ajbmeb-294	263	13	independent	independent	ADJ
ajbmeb-294	263	14	variables	variable	NOUN
ajbmeb-294	263	15	β	β	X
ajbmeb-294	263	16	dependent	dependent	ADJ
ajbmeb-294	263	17	variable	variable	NOUN
ajbmeb-294	263	18	t	t	PROPN
ajbmeb-294	263	19	p	p	ADJ
ajbmeb-294	263	20	-	-	PUNCT
ajbmeb-294	263	21	value	value	NOUN
ajbmeb-294	263	22	calculated	calculate	VERB
ajbmeb-294	263	23	value	value	NOUN
ajbmeb-294	263	24	(	(	PUNCT
ajbmeb-294	263	25	f	f	X
ajbmeb-294	263	26	)	)	PUNCT
ajbmeb-294	263	27	correlation	correlation	NOUN
ajbmeb-294	263	28	coefficient	coefficient	NOUN
ajbmeb-294	263	29	(	(	PUNCT
ajbmeb-294	263	30	r	r	NOUN
ajbmeb-294	263	31	)	)	PUNCT
ajbmeb-294	263	32	coefficient	coefficient	NOUN
ajbmeb-294	263	33	of	of	ADP
ajbmeb-294	263	34	determination	determination	NOUN
ajbmeb-294	263	35	(	(	PUNCT
ajbmeb-294	263	36	r2	r2	NOUN
ajbmeb-294	263	37	)	)	PUNCT
ajbmeb-294	263	38	pricing	pricing	NOUN
ajbmeb-294	263	39	of	of	ADP
ajbmeb-294	263	40	banking	banking	NOUN
ajbmeb-294	263	41	services	service	NOUN
ajbmeb-294	263	42	0.84	0.84	NUM
ajbmeb-294	263	43	creativity	creativity	NOUN
ajbmeb-294	263	44	0.406	0.406	NUM
ajbmeb-294	263	45	0.000	0.000	NUM
ajbmeb-294	263	46	108.291	108.291	NUM
ajbmeb-294	263	47	0.663	0.663	NUM
ajbmeb-294	263	48	0.440	0.440	NUM
ajbmeb-294	263	49	profitability	profitability	NOUN
ajbmeb-294	263	50	0.64	0.64	NUM
ajbmeb-294	263	51	attracting	attract	VERB
ajbmeb-294	263	52	new	new	ADJ
ajbmeb-294	263	53	customers	customer	NOUN
ajbmeb-294	263	54	and	and	CCONJ
ajbmeb-294	263	55	maintaining	maintain	VERB
ajbmeb-294	263	56	existing	exist	VERB
ajbmeb-294	263	57	customers	customer	NOUN
ajbmeb-294	263	58	0.41	0.41	NUM
ajbmeb-294	263	59	source	source	NOUN
ajbmeb-294	263	60	:	:	PUNCT
ajbmeb-294	263	61	using	use	VERB
ajbmeb-294	263	62	the	the	DET
ajbmeb-294	263	63	statistical	statistical	ADJ
ajbmeb-294	263	64	program	program	NOUN
ajbmeb-294	263	65	(	(	PUNCT
ajbmeb-294	263	66	spss	spss	PROPN
ajbmeb-294	263	67	)	)	PUNCT
ajbmeb-294	263	68	and	and	CCONJ
ajbmeb-294	263	69	(	(	PUNCT
ajbmeb-294	263	70	excel	excel	PROPN
ajbmeb-294	263	71	)	)	PUNCT
ajbmeb-294	263	72	.	.	PUNCT
ajbmeb-294	264	1	referring	refer	VERB
ajbmeb-294	264	2	to	to	ADP
ajbmeb-294	264	3	the	the	DET
ajbmeb-294	264	4	results	result	NOUN
ajbmeb-294	264	5	of	of	ADP
ajbmeb-294	264	6	table	table	NOUN
ajbmeb-294	264	7	no	no	INTJ
ajbmeb-294	264	8	.	.	PUNCT
ajbmeb-294	265	1	(	(	PUNCT
ajbmeb-294	265	2	12	12	NUM
ajbmeb-294	265	3	)	)	PUNCT
ajbmeb-294	265	4	,	,	PUNCT
ajbmeb-294	265	5	which	which	PRON
ajbmeb-294	265	6	includes	include	VERB
ajbmeb-294	265	7	the	the	DET
ajbmeb-294	265	8	results	result	NOUN
ajbmeb-294	265	9	of	of	ADP
ajbmeb-294	265	10	testing	test	VERB
ajbmeb-294	265	11	the	the	DET
ajbmeb-294	265	12	third	third	ADJ
ajbmeb-294	265	13	hypothesis	hypothesis	NOUN
ajbmeb-294	265	14	,	,	PUNCT
ajbmeb-294	265	15	and	and	CCONJ
ajbmeb-294	265	16	referring	refer	VERB
ajbmeb-294	265	17	to	to	ADP
ajbmeb-294	265	18	the	the	DET
ajbmeb-294	265	19	results	result	NOUN
ajbmeb-294	265	20	of	of	ADP
ajbmeb-294	265	21	the	the	DET
ajbmeb-294	265	22	third	third	ADJ
ajbmeb-294	265	23	sub	sub	NOUN
ajbmeb-294	265	24	-	-	NOUN
ajbmeb-294	265	25	hypothesis	hypothesis	NOUN
ajbmeb-294	265	26	,	,	PUNCT
ajbmeb-294	265	27	we	we	PRON
ajbmeb-294	265	28	find	find	VERB
ajbmeb-294	265	29	that	that	SCONJ
ajbmeb-294	265	30	the	the	DET
ajbmeb-294	265	31	calculated	calculated	ADJ
ajbmeb-294	265	32	(	(	PUNCT
ajbmeb-294	265	33	t	t	NOUN
ajbmeb-294	265	34	)	)	PUNCT
ajbmeb-294	265	35	value	value	NOUN
ajbmeb-294	265	36	(	(	PUNCT
ajbmeb-294	265	37	10.406	10.406	NUM
ajbmeb-294	265	38	)	)	PUNCT
ajbmeb-294	265	39	is	be	AUX
ajbmeb-294	265	40	higher	high	ADJ
ajbmeb-294	265	41	than	than	ADP
ajbmeb-294	265	42	its	its	PRON
ajbmeb-294	265	43	tabular	tabular	NOUN
ajbmeb-294	265	44	value	value	NOUN
ajbmeb-294	265	45	at	at	ADP
ajbmeb-294	265	46	the	the	DET
ajbmeb-294	265	47	significance	significance	NOUN
ajbmeb-294	265	48	level	level	NOUN
ajbmeb-294	265	49	(	(	PUNCT
ajbmeb-294	265	50	0.05	0.05	NUM
ajbmeb-294	265	51	)	)	PUNCT
ajbmeb-294	265	52	and	and	CCONJ
ajbmeb-294	265	53	equal	equal	ADJ
ajbmeb-294	265	54	to	to	ADP
ajbmeb-294	265	55	(	(	PUNCT
ajbmeb-294	265	56	1.96	1.96	NUM
ajbmeb-294	265	57	)	)	PUNCT
ajbmeb-294	265	58	,	,	PUNCT
ajbmeb-294	265	59	and	and	CCONJ
ajbmeb-294	265	60	that	that	SCONJ
ajbmeb-294	265	61	the	the	DET
ajbmeb-294	265	62	value	value	NOUN
ajbmeb-294	265	63	of	of	ADP
ajbmeb-294	265	64	the	the	DET
ajbmeb-294	265	65	significance	significance	NOUN
ajbmeb-294	265	66	level	level	NOUN
ajbmeb-294	265	67	the	the	DET
ajbmeb-294	265	68	viewer	viewer	NOUN
ajbmeb-294	265	69	's	's	PART
ajbmeb-294	265	70	p	p	NOUN
ajbmeb-294	265	71	-	-	PUNCT
ajbmeb-294	265	72	value	value	NOUN
ajbmeb-294	265	73	is	be	AUX
ajbmeb-294	265	74	equal	equal	ADJ
ajbmeb-294	265	75	to	to	ADP
ajbmeb-294	265	76	(	(	PUNCT
ajbmeb-294	265	77	0.000	0.000	NUM
ajbmeb-294	265	78	)	)	PUNCT
ajbmeb-294	265	79	,	,	PUNCT
ajbmeb-294	265	80	which	which	PRON
ajbmeb-294	265	81	is	be	AUX
ajbmeb-294	265	82	greater	great	ADJ
ajbmeb-294	265	83	than	than	ADP
ajbmeb-294	265	84	the	the	DET
ajbmeb-294	265	85	approved	approve	VERB
ajbmeb-294	265	86	significance	significance	NOUN
ajbmeb-294	265	87	value	value	NOUN
ajbmeb-294	265	88	,	,	PUNCT
ajbmeb-294	265	89	reject	reject	VERB
ajbmeb-294	265	90	the	the	DET
ajbmeb-294	265	91	null	null	ADJ
ajbmeb-294	265	92	hypothesis	hypothesis	NOUN
ajbmeb-294	265	93	,	,	PUNCT
ajbmeb-294	265	94	which	which	PRON
ajbmeb-294	265	95	states	state	VERB
ajbmeb-294	265	96	that	that	SCONJ
ajbmeb-294	265	97	target	target	NOUN
ajbmeb-294	265	98	cost	cost	NOUN
ajbmeb-294	265	99	factors	factor	NOUN
ajbmeb-294	265	100	have	have	VERB
ajbmeb-294	265	101	no	no	DET
ajbmeb-294	265	102	statistically	statistically	ADV
ajbmeb-294	265	103	significant	significant	ADJ
ajbmeb-294	265	104	effect	effect	NOUN
ajbmeb-294	265	105	on	on	ADP
ajbmeb-294	265	106	creativity	creativity	NOUN
ajbmeb-294	265	107	,	,	PUNCT
ajbmeb-294	265	108	and	and	CCONJ
ajbmeb-294	265	109	accept	accept	VERB
ajbmeb-294	265	110	the	the	DET
ajbmeb-294	265	111	alternative	alternative	ADJ
ajbmeb-294	265	112	hypothesis	hypothesis	NOUN
ajbmeb-294	265	113	that	that	PRON
ajbmeb-294	265	114	shows	show	VERB
ajbmeb-294	265	115	a	a	DET
ajbmeb-294	265	116	statistically	statistically	ADV
ajbmeb-294	265	117	significant	significant	ADJ
ajbmeb-294	265	118	relationship	relationship	NOUN
ajbmeb-294	265	119	between	between	ADP
ajbmeb-294	265	120	the	the	DET
ajbmeb-294	265	121	creativity	creativity	NOUN
ajbmeb-294	265	122	component	component	NOUN
ajbmeb-294	265	123	and	and	CCONJ
ajbmeb-294	265	124	sustainable	sustainable	ADJ
ajbmeb-294	265	125	competitive	competitive	ADJ
ajbmeb-294	265	126	advantage	advantage	NOUN
ajbmeb-294	265	127	in	in	ADP
ajbmeb-294	265	128	commercial	commercial	ADJ
ajbmeb-294	265	129	banks	bank	NOUN
ajbmeb-294	265	130	in	in	ADP
ajbmeb-294	265	131	iraq	iraq	PROPN
ajbmeb-294	265	132	.	.	PUNCT
ajbmeb-294	266	1	the	the	DET
ajbmeb-294	266	2	fourth	fourth	ADJ
ajbmeb-294	266	3	sub	sub	NOUN
ajbmeb-294	266	4	-	-	NOUN
ajbmeb-294	266	5	hypothesis	hypothesis	NOUN
ajbmeb-294	266	6	:	:	PUNCT
ajbmeb-294	266	7	(	(	PUNCT
ajbmeb-294	266	8	h01.4	h01.4	NOUN
ajbmeb-294	266	9	)	)	PUNCT
ajbmeb-294	266	10	the	the	DET
ajbmeb-294	266	11	target	target	NOUN
ajbmeb-294	266	12	cost	cost	NOUN
ajbmeb-294	266	13	has	have	VERB
ajbmeb-294	266	14	no	no	DET
ajbmeb-294	266	15	bearing	bear	VERB
ajbmeb-294	266	16	dimensions	dimension	NOUN
ajbmeb-294	266	17	represented	represent	VERB
ajbmeb-294	266	18	by	by	ADP
ajbmeb-294	266	19	(	(	PUNCT
ajbmeb-294	266	20	pricing	pricing	NOUN
ajbmeb-294	266	21	of	of	ADP
ajbmeb-294	266	22	banking	banking	NOUN
ajbmeb-294	266	23	services	service	NOUN
ajbmeb-294	266	24	,	,	PUNCT
ajbmeb-294	266	25	profitability	profitability	NOUN
ajbmeb-294	266	26	of	of	ADP
ajbmeb-294	266	27	banks	bank	NOUN
ajbmeb-294	266	28	,	,	PUNCT
ajbmeb-294	266	29	attracting	attract	VERB
ajbmeb-294	266	30	new	new	ADJ
ajbmeb-294	266	31	customers	customer	NOUN
ajbmeb-294	266	32	and	and	CCONJ
ajbmeb-294	266	33	maintaining	maintain	VERB
ajbmeb-294	266	34	existing	exist	VERB
ajbmeb-294	266	35	customers	customer	NOUN
ajbmeb-294	266	36	)	)	PUNCT
ajbmeb-294	266	37	on	on	ADP
ajbmeb-294	266	38	the	the	DET
ajbmeb-294	266	39	variable	variable	NOUN
ajbmeb-294	266	40	of	of	ADP
ajbmeb-294	266	41	flexibility	flexibility	NOUN
ajbmeb-294	266	42	in	in	ADP
ajbmeb-294	266	43	commercial	commercial	ADJ
ajbmeb-294	266	44	banks	bank	NOUN
ajbmeb-294	266	45	in	in	ADP
ajbmeb-294	266	46	iraq	iraq	PROPN
ajbmeb-294	266	47	at	at	ADP
ajbmeb-294	266	48	the	the	DET
ajbmeb-294	266	49	level	level	NOUN
ajbmeb-294	266	50	of	of	ADP
ajbmeb-294	266	51	statistical	statistical	ADJ
ajbmeb-294	266	52	significance	significance	NOUN
ajbmeb-294	266	53	α	α	PRON
ajbmeb-294	266	54	≤	≤	NUM
ajbmeb-294	266	55	0.05	0.05	NUM
ajbmeb-294	266	56	.	.	PUNCT
ajbmeb-294	267	1	american	american	PROPN
ajbmeb-294	267	2	journal	journal	PROPN
ajbmeb-294	267	3	of	of	ADP
ajbmeb-294	267	4	business	business	NOUN
ajbmeb-294	267	5	management	management	NOUN
ajbmeb-294	267	6	,	,	PUNCT
ajbmeb-294	267	7	economics	economic	NOUN
ajbmeb-294	267	8	and	and	CCONJ
ajbmeb-294	267	9	banking	banking	NOUN
ajbmeb-294	267	10	volume	volume	NOUN
ajbmeb-294	267	11	8	8	NUM
ajbmeb-294	267	12	,	,	PUNCT
ajbmeb-294	267	13	jan	jan	PROPN
ajbmeb-294	267	14	.	.	PROPN
ajbmeb-294	267	15	,	,	PUNCT
ajbmeb-294	267	16	2023	2023	NUM
ajbmeb-294	267	17	p	p	NOUN
ajbmeb-294	267	18	a	a	DET
ajbmeb-294	267	19	g	g	NOUN
ajbmeb-294	267	20	e	e	NOUN
ajbmeb-294	267	21	|	|	ADV
ajbmeb-294	267	22	37	37	NUM
ajbmeb-294	267	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	267	24	table	table	NOUN
ajbmeb-294	267	25	no	no	INTJ
ajbmeb-294	267	26	.	.	PUNCT
ajbmeb-294	268	1	(	(	PUNCT
ajbmeb-294	268	2	13	13	NUM
ajbmeb-294	268	3	)	)	PUNCT
ajbmeb-294	268	4	the	the	DET
ajbmeb-294	268	5	results	result	NOUN
ajbmeb-294	268	6	of	of	ADP
ajbmeb-294	268	7	testing	test	VERB
ajbmeb-294	268	8	the	the	DET
ajbmeb-294	268	9	fourth	fourth	ADJ
ajbmeb-294	268	10	sub	sub	NOUN
ajbmeb-294	268	11	-	-	NOUN
ajbmeb-294	268	12	hypothesis	hypothesis	NOUN
ajbmeb-294	268	13	:	:	PUNCT
ajbmeb-294	268	14	independent	independent	ADJ
ajbmeb-294	268	15	variables	variable	NOUN
ajbmeb-294	268	16	β	β	X
ajbmeb-294	268	17	dependent	dependent	ADJ
ajbmeb-294	268	18	variable	variable	NOUN
ajbmeb-294	268	19	t	t	PROPN
ajbmeb-294	268	20	p	p	ADJ
ajbmeb-294	268	21	-	-	PUNCT
ajbmeb-294	268	22	value	value	NOUN
ajbmeb-294	268	23	calculated	calculate	VERB
ajbmeb-294	268	24	value	value	NOUN
ajbmeb-294	268	25	(	(	PUNCT
ajbmeb-294	268	26	f	f	X
ajbmeb-294	268	27	)	)	PUNCT
ajbmeb-294	268	28	correlation	correlation	NOUN
ajbmeb-294	268	29	coefficient	coefficient	NOUN
ajbmeb-294	268	30	(	(	PUNCT
ajbmeb-294	268	31	r	r	NOUN
ajbmeb-294	268	32	)	)	PUNCT
ajbmeb-294	268	33	coefficient	coefficient	NOUN
ajbmeb-294	268	34	of	of	ADP
ajbmeb-294	268	35	determination	determination	NOUN
ajbmeb-294	268	36	(	(	PUNCT
ajbmeb-294	268	37	r2	r2	NOUN
ajbmeb-294	268	38	)	)	PUNCT
ajbmeb-294	268	39	pricing	pricing	NOUN
ajbmeb-294	268	40	of	of	ADP
ajbmeb-294	268	41	banking	banking	NOUN
ajbmeb-294	268	42	services	service	NOUN
ajbmeb-294	268	43	0.54	0.54	NUM
ajbmeb-294	268	44	flexibility	flexibility	NOUN
ajbmeb-294	268	45	7.275	7.275	NUM
ajbmeb-294	268	46	0.000	0.000	NUM
ajbmeb-294	268	47	52.925	52.925	NUM
ajbmeb-294	268	48	0.526	0.526	NUM
ajbmeb-294	268	49	0.277	0.277	NUM
ajbmeb-294	268	50	profitability	profitability	NOUN
ajbmeb-294	268	51	0.44	0.44	NUM
ajbmeb-294	268	52	attracting	attract	VERB
ajbmeb-294	268	53	new	new	ADJ
ajbmeb-294	268	54	customers	customer	NOUN
ajbmeb-294	268	55	and	and	CCONJ
ajbmeb-294	268	56	maintaining	maintain	VERB
ajbmeb-294	268	57	existing	exist	VERB
ajbmeb-294	268	58	customers	customer	NOUN
ajbmeb-294	268	59	0.19	0.19	NUM
ajbmeb-294	268	60	source	source	NOUN
ajbmeb-294	268	61	:	:	PUNCT
ajbmeb-294	268	62	using	use	VERB
ajbmeb-294	268	63	the	the	DET
ajbmeb-294	268	64	statistical	statistical	ADJ
ajbmeb-294	268	65	program	program	NOUN
ajbmeb-294	268	66	(	(	PUNCT
ajbmeb-294	268	67	spss	spss	PROPN
ajbmeb-294	268	68	)	)	PUNCT
ajbmeb-294	268	69	and	and	CCONJ
ajbmeb-294	268	70	(	(	PUNCT
ajbmeb-294	268	71	excel	excel	PROPN
ajbmeb-294	268	72	)	)	PUNCT
ajbmeb-294	268	73	.	.	PUNCT
ajbmeb-294	269	1	with	with	ADP
ajbmeb-294	269	2	reference	reference	NOUN
ajbmeb-294	269	3	to	to	ADP
ajbmeb-294	269	4	the	the	DET
ajbmeb-294	269	5	results	result	NOUN
ajbmeb-294	269	6	of	of	ADP
ajbmeb-294	269	7	table	table	NOUN
ajbmeb-294	269	8	no	no	INTJ
ajbmeb-294	269	9	.	.	PUNCT
ajbmeb-294	270	1	(	(	PUNCT
ajbmeb-294	270	2	13	13	NUM
ajbmeb-294	270	3	)	)	PUNCT
ajbmeb-294	270	4	,	,	PUNCT
ajbmeb-294	270	5	which	which	PRON
ajbmeb-294	270	6	includes	include	VERB
ajbmeb-294	270	7	the	the	DET
ajbmeb-294	270	8	results	result	NOUN
ajbmeb-294	270	9	of	of	ADP
ajbmeb-294	270	10	testing	test	VERB
ajbmeb-294	270	11	the	the	DET
ajbmeb-294	270	12	fourth	fourth	ADJ
ajbmeb-294	270	13	hypothesis	hypothesis	NOUN
ajbmeb-294	270	14	,	,	PUNCT
ajbmeb-294	270	15	and	and	CCONJ
ajbmeb-294	270	16	with	with	ADP
ajbmeb-294	270	17	reference	reference	NOUN
ajbmeb-294	270	18	to	to	ADP
ajbmeb-294	270	19	the	the	DET
ajbmeb-294	270	20	results	result	NOUN
ajbmeb-294	270	21	of	of	ADP
ajbmeb-294	270	22	the	the	DET
ajbmeb-294	270	23	fourth	fourth	ADJ
ajbmeb-294	270	24	sub	sub	NOUN
ajbmeb-294	270	25	-	-	NOUN
ajbmeb-294	270	26	hypothesis	hypothesis	NOUN
ajbmeb-294	270	27	,	,	PUNCT
ajbmeb-294	270	28	we	we	PRON
ajbmeb-294	270	29	find	find	VERB
ajbmeb-294	270	30	that	that	SCONJ
ajbmeb-294	270	31	the	the	DET
ajbmeb-294	270	32	calculated	calculated	ADJ
ajbmeb-294	270	33	(	(	PUNCT
ajbmeb-294	270	34	t	t	NOUN
ajbmeb-294	270	35	)	)	PUNCT
ajbmeb-294	270	36	value	value	NOUN
ajbmeb-294	270	37	(	(	PUNCT
ajbmeb-294	270	38	7.275	7.275	NUM
ajbmeb-294	270	39	)	)	PUNCT
ajbmeb-294	270	40	is	be	AUX
ajbmeb-294	270	41	higher	high	ADJ
ajbmeb-294	270	42	than	than	ADP
ajbmeb-294	270	43	its	its	PRON
ajbmeb-294	270	44	tabular	tabular	NOUN
ajbmeb-294	270	45	value	value	NOUN
ajbmeb-294	270	46	at	at	ADP
ajbmeb-294	270	47	the	the	DET
ajbmeb-294	270	48	significance	significance	NOUN
ajbmeb-294	270	49	level	level	NOUN
ajbmeb-294	270	50	(	(	PUNCT
ajbmeb-294	270	51	0.05	0.05	NUM
ajbmeb-294	270	52	)	)	PUNCT
ajbmeb-294	270	53	and	and	CCONJ
ajbmeb-294	270	54	equal	equal	ADJ
ajbmeb-294	270	55	to	to	ADP
ajbmeb-294	270	56	(	(	PUNCT
ajbmeb-294	270	57	1.96	1.96	NUM
ajbmeb-294	270	58	)	)	PUNCT
ajbmeb-294	270	59	,	,	PUNCT
ajbmeb-294	270	60	and	and	CCONJ
ajbmeb-294	270	61	that	that	SCONJ
ajbmeb-294	270	62	the	the	DET
ajbmeb-294	270	63	value	value	NOUN
ajbmeb-294	270	64	of	of	ADP
ajbmeb-294	270	65	the	the	DET
ajbmeb-294	270	66	significance	significance	NOUN
ajbmeb-294	270	67	level	level	NOUN
ajbmeb-294	270	68	the	the	DET
ajbmeb-294	270	69	viewer	viewer	NOUN
ajbmeb-294	270	70	's	's	PART
ajbmeb-294	270	71	p	p	NOUN
ajbmeb-294	270	72	-	-	PUNCT
ajbmeb-294	270	73	value	value	NOUN
ajbmeb-294	270	74	is	be	AUX
ajbmeb-294	270	75	equal	equal	ADJ
ajbmeb-294	270	76	to	to	ADP
ajbmeb-294	270	77	(	(	PUNCT
ajbmeb-294	270	78	0.000	0.000	NUM
ajbmeb-294	270	79	)	)	PUNCT
ajbmeb-294	270	80	,	,	PUNCT
ajbmeb-294	270	81	which	which	PRON
ajbmeb-294	270	82	is	be	AUX
ajbmeb-294	270	83	greater	great	ADJ
ajbmeb-294	270	84	than	than	ADP
ajbmeb-294	270	85	the	the	DET
ajbmeb-294	270	86	approved	approve	VERB
ajbmeb-294	270	87	significance	significance	NOUN
ajbmeb-294	270	88	value	value	NOUN
ajbmeb-294	270	89	,	,	PUNCT
ajbmeb-294	270	90	this	this	PRON
ajbmeb-294	270	91	entails	entail	VERB
ajbmeb-294	270	92	rejecting	reject	VERB
ajbmeb-294	270	93	the	the	DET
ajbmeb-294	270	94	null	null	ADJ
ajbmeb-294	270	95	hypothesis	hypothesis	NOUN
ajbmeb-294	270	96	,	,	PUNCT
ajbmeb-294	270	97	according	accord	VERB
ajbmeb-294	270	98	to	to	ADP
ajbmeb-294	270	99	which	which	PRON
ajbmeb-294	270	100	there	there	PRON
ajbmeb-294	270	101	is	be	VERB
ajbmeb-294	270	102	no	no	DET
ajbmeb-294	270	103	statistically	statistically	ADV
ajbmeb-294	270	104	significant	significant	ADJ
ajbmeb-294	270	105	effect	effect	NOUN
ajbmeb-294	270	106	of	of	ADP
ajbmeb-294	270	107	the	the	DET
ajbmeb-294	270	108	target	target	NOUN
ajbmeb-294	270	109	cost	cost	NOUN
ajbmeb-294	270	110	's	's	PART
ajbmeb-294	270	111	components	component	NOUN
ajbmeb-294	270	112	on	on	ADP
ajbmeb-294	270	113	the	the	DET
ajbmeb-294	270	114	flexibility	flexibility	NOUN
ajbmeb-294	270	115	variable	variable	NOUN
ajbmeb-294	270	116	,	,	PUNCT
ajbmeb-294	270	117	and	and	CCONJ
ajbmeb-294	270	118	accepting	accept	VERB
ajbmeb-294	270	119	the	the	DET
ajbmeb-294	270	120	alternative	alternative	ADJ
ajbmeb-294	270	121	hypothesis	hypothesis	NOUN
ajbmeb-294	270	122	,	,	PUNCT
ajbmeb-294	270	123	according	accord	VERB
ajbmeb-294	270	124	to	to	ADP
ajbmeb-294	270	125	which	which	PRON
ajbmeb-294	270	126	the	the	DET
ajbmeb-294	270	127	flexibility	flexibility	NOUN
ajbmeb-294	270	128	dimension	dimension	NOUN
ajbmeb-294	270	129	has	have	AUX
ajbmeb-294	270	130	a	a	DET
ajbmeb-294	270	131	statistically	statistically	ADV
ajbmeb-294	270	132	significant	significant	ADJ
ajbmeb-294	270	133	impact	impact	NOUN
ajbmeb-294	270	134	on	on	ADP
ajbmeb-294	270	135	the	the	DET
ajbmeb-294	270	136	sustainable	sustainable	ADJ
ajbmeb-294	270	137	competitive	competitive	ADJ
ajbmeb-294	270	138	advantage	advantage	NOUN
ajbmeb-294	270	139	in	in	ADP
ajbmeb-294	270	140	commercial	commercial	ADJ
ajbmeb-294	270	141	banks	bank	NOUN
ajbmeb-294	270	142	in	in	ADP
ajbmeb-294	270	143	iraq	iraq	PROPN
ajbmeb-294	270	144	.	.	PUNCT
ajbmeb-294	271	1	the	the	DET
ajbmeb-294	271	2	fifth	fifth	ADJ
ajbmeb-294	271	3	sub	sub	NOUN
ajbmeb-294	271	4	-	-	NOUN
ajbmeb-294	271	5	hypothesis	hypothesis	NOUN
ajbmeb-294	271	6	:	:	PUNCT
ajbmeb-294	271	7	(	(	PUNCT
ajbmeb-294	271	8	h01.5	h01.5	PROPN
ajbmeb-294	271	9	)	)	PUNCT
ajbmeb-294	271	10	the	the	DET
ajbmeb-294	271	11	target	target	NOUN
ajbmeb-294	271	12	cost	cost	NOUN
ajbmeb-294	271	13	has	have	VERB
ajbmeb-294	271	14	no	no	DET
ajbmeb-294	271	15	bearing	bear	VERB
ajbmeb-294	271	16	dimensions	dimension	NOUN
ajbmeb-294	271	17	represented	represent	VERB
ajbmeb-294	271	18	by	by	ADP
ajbmeb-294	271	19	(	(	PUNCT
ajbmeb-294	271	20	pricing	pricing	NOUN
ajbmeb-294	271	21	of	of	ADP
ajbmeb-294	271	22	banking	banking	NOUN
ajbmeb-294	271	23	services	service	NOUN
ajbmeb-294	271	24	,	,	PUNCT
ajbmeb-294	271	25	profitability	profitability	NOUN
ajbmeb-294	271	26	of	of	ADP
ajbmeb-294	271	27	banks	bank	NOUN
ajbmeb-294	271	28	,	,	PUNCT
ajbmeb-294	271	29	attracting	attract	VERB
ajbmeb-294	271	30	new	new	ADJ
ajbmeb-294	271	31	customers	customer	NOUN
ajbmeb-294	271	32	and	and	CCONJ
ajbmeb-294	271	33	maintaining	maintain	VERB
ajbmeb-294	271	34	existing	exist	VERB
ajbmeb-294	271	35	customers	customer	NOUN
ajbmeb-294	271	36	)	)	PUNCT
ajbmeb-294	271	37	on	on	ADP
ajbmeb-294	271	38	the	the	DET
ajbmeb-294	271	39	time	time	NOUN
ajbmeb-294	271	40	variable	variable	NOUN
ajbmeb-294	271	41	in	in	ADP
ajbmeb-294	271	42	commercial	commercial	ADJ
ajbmeb-294	271	43	banks	bank	NOUN
ajbmeb-294	271	44	in	in	ADP
ajbmeb-294	271	45	iraq	iraq	PROPN
ajbmeb-294	271	46	at	at	ADP
ajbmeb-294	271	47	the	the	DET
ajbmeb-294	271	48	level	level	NOUN
ajbmeb-294	271	49	of	of	ADP
ajbmeb-294	271	50	statistical	statistical	ADJ
ajbmeb-294	271	51	significance	significance	NOUN
ajbmeb-294	271	52	α	α	PRON
ajbmeb-294	271	53	≤	≤	NUM
ajbmeb-294	271	54	0.05	0.05	NUM
ajbmeb-294	271	55	.	.	PUNCT
ajbmeb-294	272	1	table	table	NOUN
ajbmeb-294	272	2	no	no	INTJ
ajbmeb-294	272	3	.	.	PUNCT
ajbmeb-294	273	1	(	(	PUNCT
ajbmeb-294	273	2	14	14	NUM
ajbmeb-294	273	3	)	)	PUNCT
ajbmeb-294	273	4	the	the	DET
ajbmeb-294	273	5	results	result	NOUN
ajbmeb-294	273	6	of	of	ADP
ajbmeb-294	273	7	testing	test	VERB
ajbmeb-294	273	8	the	the	DET
ajbmeb-294	273	9	fifth	fifth	ADJ
ajbmeb-294	273	10	sub	sub	NOUN
ajbmeb-294	273	11	-	-	NOUN
ajbmeb-294	273	12	hypothesis	hypothesis	NOUN
ajbmeb-294	273	13	:	:	PUNCT
ajbmeb-294	273	14	independent	independent	ADJ
ajbmeb-294	273	15	variables	variable	NOUN
ajbmeb-294	273	16	β	β	X
ajbmeb-294	273	17	dependent	dependent	ADJ
ajbmeb-294	273	18	variable	variable	NOUN
ajbmeb-294	273	19	t	t	PROPN
ajbmeb-294	273	20	p	p	ADJ
ajbmeb-294	273	21	-	-	PUNCT
ajbmeb-294	273	22	value	value	NOUN
ajbmeb-294	273	23	calculated	calculate	VERB
ajbmeb-294	273	24	value	value	NOUN
ajbmeb-294	273	25	(	(	PUNCT
ajbmeb-294	273	26	f	f	X
ajbmeb-294	273	27	)	)	PUNCT
ajbmeb-294	273	28	correlation	correlation	NOUN
ajbmeb-294	273	29	coefficient	coefficient	NOUN
ajbmeb-294	273	30	(	(	PUNCT
ajbmeb-294	273	31	r	r	NOUN
ajbmeb-294	273	32	)	)	PUNCT
ajbmeb-294	273	33	coefficient	coefficient	NOUN
ajbmeb-294	273	34	of	of	ADP
ajbmeb-294	273	35	determination	determination	NOUN
ajbmeb-294	273	36	(	(	PUNCT
ajbmeb-294	273	37	r2	r2	NOUN
ajbmeb-294	273	38	)	)	PUNCT
ajbmeb-294	273	39	pricing	pricing	NOUN
ajbmeb-294	273	40	of	of	ADP
ajbmeb-294	273	41	banking	banking	NOUN
ajbmeb-294	273	42	services	service	NOUN
ajbmeb-294	273	43	0.78	0.78	NUM
ajbmeb-294	273	44	time	time	NOUN
ajbmeb-294	273	45	4.561	4.561	NUM
ajbmeb-294	273	46	0.000	0.000	NUM
ajbmeb-294	273	47	18.257	18.257	NUM
ajbmeb-294	273	48	0.358	0.358	NUM
ajbmeb-294	273	49	0.128	0.128	NUM
ajbmeb-294	273	50	profitability	profitability	NOUN
ajbmeb-294	273	51	0.48	0.48	NUM
ajbmeb-294	273	52	attracting	attract	VERB
ajbmeb-294	273	53	new	new	ADJ
ajbmeb-294	273	54	customers	customer	NOUN
ajbmeb-294	273	55	and	and	CCONJ
ajbmeb-294	273	56	maintaining	maintain	VERB
ajbmeb-294	273	57	existing	exist	VERB
ajbmeb-294	273	58	customers	customer	NOUN
ajbmeb-294	273	59	0.84	0.84	NUM
ajbmeb-294	273	60	source	source	NOUN
ajbmeb-294	273	61	:	:	PUNCT
ajbmeb-294	273	62	using	use	VERB
ajbmeb-294	273	63	the	the	DET
ajbmeb-294	273	64	statistical	statistical	ADJ
ajbmeb-294	273	65	program	program	NOUN
ajbmeb-294	273	66	(	(	PUNCT
ajbmeb-294	273	67	spss	spss	PROPN
ajbmeb-294	273	68	)	)	PUNCT
ajbmeb-294	273	69	and	and	CCONJ
ajbmeb-294	273	70	(	(	PUNCT
ajbmeb-294	273	71	excel	excel	PROPN
ajbmeb-294	273	72	)	)	PUNCT
ajbmeb-294	273	73	.	.	PUNCT
ajbmeb-294	274	1	with	with	ADP
ajbmeb-294	274	2	reference	reference	NOUN
ajbmeb-294	274	3	to	to	ADP
ajbmeb-294	274	4	the	the	DET
ajbmeb-294	274	5	results	result	NOUN
ajbmeb-294	274	6	of	of	ADP
ajbmeb-294	274	7	table	table	NOUN
ajbmeb-294	274	8	no	no	INTJ
ajbmeb-294	274	9	.	.	PUNCT
ajbmeb-294	275	1	(	(	PUNCT
ajbmeb-294	275	2	14	14	NUM
ajbmeb-294	275	3	)	)	PUNCT
ajbmeb-294	275	4	,	,	PUNCT
ajbmeb-294	275	5	which	which	PRON
ajbmeb-294	275	6	includes	include	VERB
ajbmeb-294	275	7	the	the	DET
ajbmeb-294	275	8	results	result	NOUN
ajbmeb-294	275	9	of	of	ADP
ajbmeb-294	275	10	testing	test	VERB
ajbmeb-294	275	11	the	the	DET
ajbmeb-294	275	12	fifth	fifth	ADJ
ajbmeb-294	275	13	hypothesis	hypothesis	NOUN
ajbmeb-294	275	14	,	,	PUNCT
ajbmeb-294	275	15	and	and	CCONJ
ajbmeb-294	275	16	with	with	ADP
ajbmeb-294	275	17	reference	reference	NOUN
ajbmeb-294	275	18	to	to	ADP
ajbmeb-294	275	19	the	the	DET
ajbmeb-294	275	20	results	result	NOUN
ajbmeb-294	275	21	of	of	ADP
ajbmeb-294	275	22	the	the	DET
ajbmeb-294	275	23	fifth	fifth	ADJ
ajbmeb-294	275	24	sub	sub	NOUN
ajbmeb-294	275	25	-	-	NOUN
ajbmeb-294	275	26	hypothesis	hypothesis	NOUN
ajbmeb-294	275	27	,	,	PUNCT
ajbmeb-294	275	28	we	we	PRON
ajbmeb-294	275	29	find	find	VERB
ajbmeb-294	275	30	that	that	SCONJ
ajbmeb-294	275	31	the	the	DET
ajbmeb-294	275	32	calculated	calculated	ADJ
ajbmeb-294	275	33	(	(	PUNCT
ajbmeb-294	275	34	t	t	NOUN
ajbmeb-294	275	35	)	)	PUNCT
ajbmeb-294	275	36	value	value	NOUN
ajbmeb-294	275	37	(	(	PUNCT
ajbmeb-294	275	38	4.561	4.561	NOUN
ajbmeb-294	275	39	)	)	PUNCT
ajbmeb-294	275	40	is	be	AUX
ajbmeb-294	275	41	higher	high	ADJ
ajbmeb-294	275	42	than	than	ADP
ajbmeb-294	275	43	its	its	PRON
ajbmeb-294	275	44	tabular	tabular	NOUN
ajbmeb-294	275	45	value	value	NOUN
ajbmeb-294	275	46	at	at	ADP
ajbmeb-294	275	47	the	the	DET
ajbmeb-294	275	48	significance	significance	NOUN
ajbmeb-294	275	49	level	level	NOUN
ajbmeb-294	275	50	(	(	PUNCT
ajbmeb-294	275	51	0.05	0.05	NUM
ajbmeb-294	275	52	)	)	PUNCT
ajbmeb-294	275	53	and	and	CCONJ
ajbmeb-294	275	54	equal	equal	ADJ
ajbmeb-294	275	55	to	to	ADP
ajbmeb-294	275	56	(	(	PUNCT
ajbmeb-294	275	57	1.96	1.96	NUM
ajbmeb-294	275	58	)	)	PUNCT
ajbmeb-294	275	59	,	,	PUNCT
ajbmeb-294	275	60	and	and	CCONJ
ajbmeb-294	275	61	that	that	SCONJ
ajbmeb-294	275	62	the	the	DET
ajbmeb-294	275	63	value	value	NOUN
ajbmeb-294	275	64	of	of	ADP
ajbmeb-294	275	65	the	the	DET
ajbmeb-294	275	66	significance	significance	NOUN
ajbmeb-294	275	67	level	level	NOUN
ajbmeb-294	275	68	the	the	DET
ajbmeb-294	275	69	viewer	viewer	NOUN
ajbmeb-294	275	70	's	's	PART
ajbmeb-294	275	71	p	p	NOUN
ajbmeb-294	275	72	-	-	PUNCT
ajbmeb-294	275	73	value	value	NOUN
ajbmeb-294	275	74	is	be	AUX
ajbmeb-294	275	75	equal	equal	ADJ
ajbmeb-294	275	76	to	to	ADP
ajbmeb-294	275	77	(	(	PUNCT
ajbmeb-294	275	78	0.000	0.000	NUM
ajbmeb-294	275	79	)	)	PUNCT
ajbmeb-294	275	80	,	,	PUNCT
ajbmeb-294	275	81	which	which	PRON
ajbmeb-294	275	82	is	be	AUX
ajbmeb-294	275	83	greater	great	ADJ
ajbmeb-294	275	84	than	than	ADP
ajbmeb-294	275	85	the	the	DET
ajbmeb-294	275	86	american	american	ADJ
ajbmeb-294	275	87	journal	journal	PROPN
ajbmeb-294	275	88	of	of	ADP
ajbmeb-294	275	89	business	business	NOUN
ajbmeb-294	275	90	management	management	NOUN
ajbmeb-294	275	91	,	,	PUNCT
ajbmeb-294	275	92	economics	economic	NOUN
ajbmeb-294	275	93	and	and	CCONJ
ajbmeb-294	275	94	banking	banking	NOUN
ajbmeb-294	275	95	volume	volume	NOUN
ajbmeb-294	275	96	8	8	NUM
ajbmeb-294	275	97	,	,	PUNCT
ajbmeb-294	275	98	jan	jan	PROPN
ajbmeb-294	275	99	.	.	PROPN
ajbmeb-294	275	100	,	,	PUNCT
ajbmeb-294	275	101	2023	2023	NUM
ajbmeb-294	275	102	p	p	NOUN
ajbmeb-294	276	1	a	a	DET
ajbmeb-294	276	2	g	g	NOUN
ajbmeb-294	276	3	e	e	NOUN
ajbmeb-294	276	4	|	|	ADV
ajbmeb-294	276	5	38	38	NUM
ajbmeb-294	276	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	276	7	approved	approve	VERB
ajbmeb-294	276	8	significance	significance	NOUN
ajbmeb-294	276	9	value	value	NOUN
ajbmeb-294	276	10	,	,	PUNCT
ajbmeb-294	276	11	which	which	PRON
ajbmeb-294	276	12	entails	entail	VERB
ajbmeb-294	276	13	rejecting	reject	VERB
ajbmeb-294	276	14	the	the	DET
ajbmeb-294	276	15	null	null	ADJ
ajbmeb-294	276	16	hypothesis	hypothesis	NOUN
ajbmeb-294	276	17	,	,	PUNCT
ajbmeb-294	276	18	which	which	PRON
ajbmeb-294	276	19	states	state	VERB
ajbmeb-294	276	20	that	that	SCONJ
ajbmeb-294	276	21	the	the	DET
ajbmeb-294	276	22	target	target	NOUN
ajbmeb-294	276	23	cost	cost	NOUN
ajbmeb-294	276	24	components	component	NOUN
ajbmeb-294	276	25	have	have	VERB
ajbmeb-294	276	26	no	no	DET
ajbmeb-294	276	27	statistically	statistically	ADV
ajbmeb-294	276	28	significant	significant	ADJ
ajbmeb-294	276	29	impact	impact	NOUN
ajbmeb-294	276	30	on	on	ADP
ajbmeb-294	276	31	the	the	DET
ajbmeb-294	276	32	time	time	NOUN
ajbmeb-294	276	33	variable	variable	NOUN
ajbmeb-294	276	34	,	,	PUNCT
ajbmeb-294	276	35	and	and	CCONJ
ajbmeb-294	276	36	accepting	accept	VERB
ajbmeb-294	276	37	the	the	DET
ajbmeb-294	276	38	alternative	alternative	ADJ
ajbmeb-294	276	39	hypothesis	hypothesis	NOUN
ajbmeb-294	276	40	,	,	PUNCT
ajbmeb-294	276	41	which	which	PRON
ajbmeb-294	276	42	states	state	VERB
ajbmeb-294	276	43	that	that	SCONJ
ajbmeb-294	276	44	the	the	DET
ajbmeb-294	276	45	time	time	NOUN
ajbmeb-294	276	46	dimension	dimension	NOUN
ajbmeb-294	276	47	has	have	VERB
ajbmeb-294	276	48	a	a	DET
ajbmeb-294	276	49	statistically	statistically	ADV
ajbmeb-294	276	50	significant	significant	ADJ
ajbmeb-294	276	51	impact	impact	NOUN
ajbmeb-294	276	52	on	on	ADP
ajbmeb-294	276	53	the	the	DET
ajbmeb-294	276	54	sustained	sustain	VERB
ajbmeb-294	276	55	competitive	competitive	ADJ
ajbmeb-294	276	56	advantage	advantage	NOUN
ajbmeb-294	276	57	in	in	ADP
ajbmeb-294	276	58	commercial	commercial	ADJ
ajbmeb-294	276	59	banks	bank	NOUN
ajbmeb-294	276	60	in	in	ADP
ajbmeb-294	276	61	iraq	iraq	PROPN
ajbmeb-294	276	62	.	.	PUNCT
ajbmeb-294	277	1	conclusions	conclusion	NOUN
ajbmeb-294	277	2	and	and	CCONJ
ajbmeb-294	277	3	recommendations	recommendation	NOUN
ajbmeb-294	277	4	:	:	PUNCT
ajbmeb-294	277	5	first	first	ADV
ajbmeb-294	277	6	:	:	PUNCT
ajbmeb-294	277	7	conclusions	conclusion	NOUN
ajbmeb-294	277	8	:	:	PUNCT
ajbmeb-294	277	9	1	1	NUM
ajbmeb-294	277	10	commercial	commercial	ADJ
ajbmeb-294	277	11	banks	bank	NOUN
ajbmeb-294	277	12	operating	operate	VERB
ajbmeb-294	277	13	in	in	ADP
ajbmeb-294	277	14	iraq	iraq	PROPN
ajbmeb-294	277	15	have	have	VERB
ajbmeb-294	277	16	the	the	DET
ajbmeb-294	277	17	possibility	possibility	NOUN
ajbmeb-294	277	18	of	of	ADP
ajbmeb-294	277	19	using	use	VERB
ajbmeb-294	277	20	the	the	DET
ajbmeb-294	277	21	target	target	NOUN
ajbmeb-294	277	22	cost	cost	NOUN
ajbmeb-294	277	23	approach	approach	NOUN
ajbmeb-294	277	24	for	for	ADP
ajbmeb-294	277	25	pricing	pricing	NOUN
ajbmeb-294	277	26	banking	banking	NOUN
ajbmeb-294	277	27	services	service	NOUN
ajbmeb-294	277	28	,	,	PUNCT
ajbmeb-294	277	29	provided	provide	VERB
ajbmeb-294	277	30	that	that	SCONJ
ajbmeb-294	277	31	banks	bank	NOUN
ajbmeb-294	277	32	take	take	VERB
ajbmeb-294	277	33	the	the	DET
ajbmeb-294	277	34	view	view	NOUN
ajbmeb-294	277	35	that	that	SCONJ
ajbmeb-294	277	36	customers	customer	NOUN
ajbmeb-294	277	37	are	be	AUX
ajbmeb-294	277	38	the	the	DET
ajbmeb-294	277	39	most	most	ADV
ajbmeb-294	277	40	important	important	ADJ
ajbmeb-294	277	41	component	component	NOUN
ajbmeb-294	277	42	of	of	ADP
ajbmeb-294	277	43	the	the	DET
ajbmeb-294	277	44	banking	banking	NOUN
ajbmeb-294	277	45	services	service	NOUN
ajbmeb-294	277	46	market	market	NOUN
ajbmeb-294	277	47	in	in	ADP
ajbmeb-294	277	48	order	order	NOUN
ajbmeb-294	277	49	to	to	PART
ajbmeb-294	277	50	obtain	obtain	VERB
ajbmeb-294	277	51	a	a	DET
ajbmeb-294	277	52	sustainable	sustainable	ADJ
ajbmeb-294	277	53	competitive	competitive	ADJ
ajbmeb-294	277	54	advantage	advantage	NOUN
ajbmeb-294	277	55	.	.	PUNCT
ajbmeb-294	278	1	2	2	NUM
ajbmeb-294	278	2	implementing	implement	VERB
ajbmeb-294	278	3	a	a	DET
ajbmeb-294	278	4	target	target	NOUN
ajbmeb-294	278	5	costing	cost	VERB
ajbmeb-294	278	6	approach	approach	NOUN
ajbmeb-294	278	7	helps	help	VERB
ajbmeb-294	278	8	reduce	reduce	VERB
ajbmeb-294	278	9	costs	cost	NOUN
ajbmeb-294	278	10	by	by	ADP
ajbmeb-294	278	11	eliminating	eliminate	VERB
ajbmeb-294	278	12	activities	activity	NOUN
ajbmeb-294	278	13	that	that	PRON
ajbmeb-294	278	14	do	do	AUX
ajbmeb-294	278	15	not	not	PART
ajbmeb-294	278	16	add	add	VERB
ajbmeb-294	278	17	value	value	NOUN
ajbmeb-294	278	18	,	,	PUNCT
ajbmeb-294	278	19	working	work	VERB
ajbmeb-294	278	20	to	to	PART
ajbmeb-294	278	21	provide	provide	VERB
ajbmeb-294	278	22	good	good	ADJ
ajbmeb-294	278	23	services	service	NOUN
ajbmeb-294	278	24	and	and	CCONJ
ajbmeb-294	278	25	following	follow	VERB
ajbmeb-294	278	26	an	an	DET
ajbmeb-294	278	27	accurate	accurate	ADJ
ajbmeb-294	278	28	pricing	pricing	NOUN
ajbmeb-294	278	29	policy	policy	NOUN
ajbmeb-294	278	30	according	accord	VERB
ajbmeb-294	278	31	to	to	ADP
ajbmeb-294	278	32	the	the	DET
ajbmeb-294	278	33	purchasing	purchase	VERB
ajbmeb-294	278	34	power	power	NOUN
ajbmeb-294	278	35	of	of	ADP
ajbmeb-294	278	36	customers	customer	NOUN
ajbmeb-294	278	37	and	and	CCONJ
ajbmeb-294	278	38	according	accord	VERB
ajbmeb-294	278	39	to	to	ADP
ajbmeb-294	278	40	the	the	DET
ajbmeb-294	278	41	customer	customer	NOUN
ajbmeb-294	278	42	's	's	PART
ajbmeb-294	278	43	desire	desire	NOUN
ajbmeb-294	278	44	,	,	PUNCT
ajbmeb-294	278	45	and	and	CCONJ
ajbmeb-294	278	46	getting	getting	AUX
ajbmeb-294	278	47	rid	rid	VERB
ajbmeb-294	278	48	of	of	ADP
ajbmeb-294	278	49	aspects	aspect	NOUN
ajbmeb-294	278	50	of	of	ADP
ajbmeb-294	278	51	extravagance	extravagance	NOUN
ajbmeb-294	278	52	.	.	PUNCT
ajbmeb-294	279	1	3the	3the	DET
ajbmeb-294	279	2	level	level	NOUN
ajbmeb-294	279	3	of	of	ADP
ajbmeb-294	279	4	profitability	profitability	NOUN
ajbmeb-294	279	5	attained	attain	VERB
ajbmeb-294	279	6	by	by	ADP
ajbmeb-294	279	7	utilizing	utilize	VERB
ajbmeb-294	279	8	the	the	DET
ajbmeb-294	279	9	target	target	NOUN
ajbmeb-294	279	10	cost	cost	NOUN
ajbmeb-294	279	11	approach	approach	NOUN
ajbmeb-294	279	12	,	,	PUNCT
ajbmeb-294	279	13	due	due	ADP
ajbmeb-294	279	14	to	to	ADP
ajbmeb-294	279	15	its	its	PRON
ajbmeb-294	279	16	continuous	continuous	ADJ
ajbmeb-294	279	17	improvement	improvement	NOUN
ajbmeb-294	279	18	of	of	ADP
ajbmeb-294	279	19	services	service	NOUN
ajbmeb-294	279	20	to	to	PART
ajbmeb-294	279	21	meet	meet	VERB
ajbmeb-294	279	22	the	the	DET
ajbmeb-294	279	23	needs	need	NOUN
ajbmeb-294	279	24	of	of	ADP
ajbmeb-294	279	25	customers	customer	NOUN
ajbmeb-294	279	26	in	in	ADP
ajbmeb-294	279	27	banks	bank	NOUN
ajbmeb-294	279	28	,	,	PUNCT
ajbmeb-294	279	29	pricing	price	VERB
ajbmeb-294	279	30	in	in	ADP
ajbmeb-294	279	31	accordance	accordance	NOUN
ajbmeb-294	279	32	with	with	ADP
ajbmeb-294	279	33	that	that	DET
ajbmeb-294	279	34	strategy	strategy	NOUN
ajbmeb-294	279	35	boosts	boost	VERB
ajbmeb-294	279	36	the	the	DET
ajbmeb-294	279	37	bank	bank	NOUN
ajbmeb-294	279	38	's	's	PART
ajbmeb-294	279	39	market	market	NOUN
ajbmeb-294	279	40	share	share	NOUN
ajbmeb-294	279	41	and	and	CCONJ
ajbmeb-294	279	42	the	the	DET
ajbmeb-294	279	43	pace	pace	NOUN
ajbmeb-294	279	44	of	of	ADP
ajbmeb-294	279	45	service	service	NOUN
ajbmeb-294	279	46	delivery	delivery	NOUN
ajbmeb-294	279	47	,	,	PUNCT
ajbmeb-294	279	48	which	which	PRON
ajbmeb-294	279	49	in	in	ADP
ajbmeb-294	279	50	turn	turn	NOUN
ajbmeb-294	279	51	creates	create	VERB
ajbmeb-294	279	52	profits	profit	NOUN
ajbmeb-294	279	53	and	and	CCONJ
ajbmeb-294	279	54	realizes	realize	VERB
ajbmeb-294	279	55	sustainable	sustainable	ADJ
ajbmeb-294	279	56	competitive	competitive	ADJ
ajbmeb-294	279	57	advantage	advantage	NOUN
ajbmeb-294	279	58	.	.	PUNCT
ajbmeb-294	280	1	reducing	reduce	VERB
ajbmeb-294	280	2	expenses	expense	NOUN
ajbmeb-294	280	3	and	and	CCONJ
ajbmeb-294	280	4	reaching	reach	VERB
ajbmeb-294	280	5	the	the	DET
ajbmeb-294	280	6	profit	profit	NOUN
ajbmeb-294	280	7	margin	margin	NOUN
ajbmeb-294	280	8	that	that	PRON
ajbmeb-294	280	9	management	management	NOUN
ajbmeb-294	280	10	strives	strive	VERB
ajbmeb-294	280	11	for	for	ADP
ajbmeb-294	280	12	.	.	PUNCT
ajbmeb-294	281	1	4when	4when	NUM
ajbmeb-294	281	2	using	use	VERB
ajbmeb-294	281	3	the	the	DET
ajbmeb-294	281	4	target	target	NOUN
ajbmeb-294	281	5	cost	cost	NOUN
ajbmeb-294	281	6	strategy	strategy	NOUN
ajbmeb-294	281	7	,	,	PUNCT
ajbmeb-294	281	8	banks	bank	NOUN
ajbmeb-294	281	9	are	be	AUX
ajbmeb-294	281	10	aware	aware	ADJ
ajbmeb-294	281	11	of	of	ADP
ajbmeb-294	281	12	the	the	DET
ajbmeb-294	281	13	quality	quality	NOUN
ajbmeb-294	281	14	of	of	ADP
ajbmeb-294	281	15	service	service	NOUN
ajbmeb-294	281	16	and	and	CCONJ
ajbmeb-294	281	17	price	price	NOUN
ajbmeb-294	281	18	efficiency	efficiency	NOUN
ajbmeb-294	281	19	,	,	PUNCT
ajbmeb-294	281	20	which	which	PRON
ajbmeb-294	281	21	results	result	VERB
ajbmeb-294	281	22	in	in	ADP
ajbmeb-294	281	23	ongoing	ongoing	ADJ
ajbmeb-294	281	24	development	development	NOUN
ajbmeb-294	281	25	of	of	ADP
ajbmeb-294	281	26	their	their	PRON
ajbmeb-294	281	27	financial	financial	ADJ
ajbmeb-294	281	28	services	service	NOUN
ajbmeb-294	281	29	,	,	PUNCT
ajbmeb-294	281	30	creating	create	VERB
ajbmeb-294	281	31	a	a	DET
ajbmeb-294	281	32	competitive	competitive	ADJ
ajbmeb-294	281	33	advantage	advantage	NOUN
ajbmeb-294	281	34	,	,	PUNCT
ajbmeb-294	281	35	since	since	SCONJ
ajbmeb-294	281	36	pricing	pricing	NOUN
ajbmeb-294	281	37	based	base	VERB
ajbmeb-294	281	38	on	on	ADP
ajbmeb-294	281	39	the	the	DET
ajbmeb-294	281	40	target	target	NOUN
ajbmeb-294	281	41	cost	cost	NOUN
ajbmeb-294	281	42	method	method	NOUN
ajbmeb-294	281	43	is	be	AUX
ajbmeb-294	281	44	more	more	ADV
ajbmeb-294	281	45	equitable	equitable	ADJ
ajbmeb-294	281	46	from	from	ADP
ajbmeb-294	281	47	the	the	DET
ajbmeb-294	281	48	perspective	perspective	NOUN
ajbmeb-294	281	49	of	of	ADP
ajbmeb-294	281	50	banking	banking	NOUN
ajbmeb-294	281	51	management	management	NOUN
ajbmeb-294	281	52	than	than	ADP
ajbmeb-294	281	53	pricing	pricing	NOUN
ajbmeb-294	281	54	based	base	VERB
ajbmeb-294	281	55	on	on	ADP
ajbmeb-294	281	56	the	the	DET
ajbmeb-294	281	57	actual	actual	ADJ
ajbmeb-294	281	58	cost	cost	NOUN
ajbmeb-294	281	59	approach	approach	NOUN
ajbmeb-294	281	60	,	,	PUNCT
ajbmeb-294	281	61	it	it	PRON
ajbmeb-294	281	62	also	also	ADV
ajbmeb-294	281	63	provides	provide	VERB
ajbmeb-294	281	64	more	more	ADJ
ajbmeb-294	281	65	flexibility	flexibility	NOUN
ajbmeb-294	281	66	in	in	ADP
ajbmeb-294	281	67	how	how	SCONJ
ajbmeb-294	281	68	the	the	DET
ajbmeb-294	281	69	pricing	pricing	NOUN
ajbmeb-294	281	70	policy	policy	NOUN
ajbmeb-294	281	71	for	for	ADP
ajbmeb-294	281	72	those	those	DET
ajbmeb-294	281	73	services	service	NOUN
ajbmeb-294	281	74	is	be	AUX
ajbmeb-294	281	75	applied	apply	VERB
ajbmeb-294	281	76	.	.	PUNCT
ajbmeb-294	282	1	5the	5the	NUM
ajbmeb-294	282	2	level	level	NOUN
ajbmeb-294	282	3	of	of	ADP
ajbmeb-294	282	4	relative	relative	ADJ
ajbmeb-294	282	5	importance	importance	NOUN
ajbmeb-294	282	6	of	of	ADP
ajbmeb-294	282	7	all	all	DET
ajbmeb-294	282	8	cost	cost	NOUN
ajbmeb-294	282	9	paragraphs	paragraph	NOUN
ajbmeb-294	282	10	is	be	AUX
ajbmeb-294	282	11	average	average	ADJ
ajbmeb-294	282	12	according	accord	VERB
ajbmeb-294	282	13	to	to	ADP
ajbmeb-294	282	14	the	the	DET
ajbmeb-294	282	15	opinions	opinion	NOUN
ajbmeb-294	282	16	of	of	ADP
ajbmeb-294	282	17	the	the	DET
ajbmeb-294	282	18	respondents	respondent	NOUN
ajbmeb-294	282	19	of	of	ADP
ajbmeb-294	282	20	the	the	DET
ajbmeb-294	282	21	study	study	NOUN
ajbmeb-294	282	22	sample	sample	NOUN
ajbmeb-294	282	23	.	.	PUNCT
ajbmeb-294	283	1	it	it	PRON
ajbmeb-294	283	2	is	be	AUX
ajbmeb-294	283	3	noted	note	VERB
ajbmeb-294	283	4	from	from	ADP
ajbmeb-294	283	5	this	this	PRON
ajbmeb-294	283	6	that	that	SCONJ
ajbmeb-294	283	7	this	this	DET
ajbmeb-294	283	8	importance	importance	NOUN
ajbmeb-294	283	9	was	be	AUX
ajbmeb-294	283	10	medium	medium	ADJ
ajbmeb-294	283	11	due	due	ADJ
ajbmeb-294	283	12	to	to	ADP
ajbmeb-294	283	13	many	many	ADJ
ajbmeb-294	283	14	factors	factor	NOUN
ajbmeb-294	283	15	related	relate	VERB
ajbmeb-294	283	16	to	to	ADP
ajbmeb-294	283	17	not	not	PART
ajbmeb-294	283	18	relying	rely	VERB
ajbmeb-294	283	19	on	on	ADP
ajbmeb-294	283	20	the	the	DET
ajbmeb-294	283	21	experience	experience	NOUN
ajbmeb-294	283	22	curve	curve	NOUN
ajbmeb-294	283	23	,	,	PUNCT
ajbmeb-294	283	24	weak	weak	ADJ
ajbmeb-294	283	25	control	control	NOUN
ajbmeb-294	283	26	systems	system	NOUN
ajbmeb-294	283	27	,	,	PUNCT
ajbmeb-294	283	28	and	and	CCONJ
ajbmeb-294	283	29	failure	failure	NOUN
ajbmeb-294	283	30	to	to	PART
ajbmeb-294	283	31	provide	provide	VERB
ajbmeb-294	283	32	services	service	NOUN
ajbmeb-294	283	33	as	as	SCONJ
ajbmeb-294	283	34	desired	desire	VERB
ajbmeb-294	283	35	by	by	ADP
ajbmeb-294	283	36	the	the	DET
ajbmeb-294	283	37	customer	customer	NOUN
ajbmeb-294	283	38	,	,	PUNCT
ajbmeb-294	283	39	as	as	ADV
ajbmeb-294	283	40	well	well	ADV
ajbmeb-294	283	41	as	as	ADP
ajbmeb-294	283	42	due	due	ADJ
ajbmeb-294	283	43	to	to	ADP
ajbmeb-294	283	44	the	the	DET
ajbmeb-294	283	45	inability	inability	NOUN
ajbmeb-294	283	46	of	of	ADP
ajbmeb-294	283	47	banks	bank	NOUN
ajbmeb-294	283	48	to	to	PART
ajbmeb-294	283	49	provide	provide	VERB
ajbmeb-294	283	50	services	service	NOUN
ajbmeb-294	283	51	banking	banking	NOUN
ajbmeb-294	283	52	at	at	ADP
ajbmeb-294	283	53	a	a	DET
ajbmeb-294	283	54	low	low	ADJ
ajbmeb-294	283	55	price	price	NOUN
ajbmeb-294	283	56	and	and	CCONJ
ajbmeb-294	283	57	less	less	ADJ
ajbmeb-294	283	58	than	than	ADP
ajbmeb-294	283	59	competitors	competitor	NOUN
ajbmeb-294	283	60	,	,	PUNCT
ajbmeb-294	283	61	according	accord	VERB
ajbmeb-294	283	62	to	to	ADP
ajbmeb-294	283	63	the	the	DET
ajbmeb-294	283	64	opinions	opinion	NOUN
ajbmeb-294	283	65	of	of	ADP
ajbmeb-294	283	66	the	the	DET
ajbmeb-294	283	67	study	study	NOUN
ajbmeb-294	283	68	sample	sample	NOUN
ajbmeb-294	283	69	.	.	PUNCT
ajbmeb-294	284	1	6the	6the	DET
ajbmeb-294	284	2	study	study	NOUN
ajbmeb-294	284	3	's	's	PART
ajbmeb-294	284	4	sample	sample	NOUN
ajbmeb-294	284	5	of	of	ADP
ajbmeb-294	284	6	respondents	respondent	NOUN
ajbmeb-294	284	7	'	'	PART
ajbmeb-294	284	8	opinions	opinion	NOUN
ajbmeb-294	284	9	revealed	reveal	VERB
ajbmeb-294	284	10	that	that	SCONJ
ajbmeb-294	284	11	the	the	DET
ajbmeb-294	284	12	importance	importance	NOUN
ajbmeb-294	284	13	of	of	ADP
ajbmeb-294	284	14	the	the	DET
ajbmeb-294	284	15	quality	quality	NOUN
ajbmeb-294	284	16	variable	variable	NOUN
ajbmeb-294	284	17	was	be	AUX
ajbmeb-294	284	18	high	high	ADJ
ajbmeb-294	284	19	since	since	SCONJ
ajbmeb-294	284	20	banks	bank	NOUN
ajbmeb-294	284	21	were	be	AUX
ajbmeb-294	284	22	interested	interested	ADJ
ajbmeb-294	284	23	in	in	ADP
ajbmeb-294	284	24	it	it	PRON
ajbmeb-294	284	25	,	,	PUNCT
ajbmeb-294	284	26	represented	represent	VERB
ajbmeb-294	284	27	by	by	ADP
ajbmeb-294	284	28	decision	decision	NOUN
ajbmeb-294	284	29	makers	maker	NOUN
ajbmeb-294	284	30	,	,	PUNCT
ajbmeb-294	284	31	in	in	ADP
ajbmeb-294	284	32	this	this	DET
ajbmeb-294	284	33	element	element	NOUN
ajbmeb-294	284	34	,	,	PUNCT
ajbmeb-294	284	35	as	as	SCONJ
ajbmeb-294	284	36	it	it	PRON
ajbmeb-294	284	37	is	be	AUX
ajbmeb-294	284	38	possible	possible	ADJ
ajbmeb-294	284	39	that	that	SCONJ
ajbmeb-294	284	40	there	there	PRON
ajbmeb-294	284	41	is	be	VERB
ajbmeb-294	284	42	a	a	DET
ajbmeb-294	284	43	good	good	ADJ
ajbmeb-294	284	44	market	market	NOUN
ajbmeb-294	284	45	percentage	percentage	NOUN
ajbmeb-294	284	46	in	in	ADP
ajbmeb-294	284	47	providing	provide	VERB
ajbmeb-294	284	48	services	service	NOUN
ajbmeb-294	284	49	and	and	CCONJ
ajbmeb-294	284	50	suitable	suitable	ADJ
ajbmeb-294	284	51	for	for	ADP
ajbmeb-294	284	52	the	the	DET
ajbmeb-294	284	53	bank	bank	NOUN
ajbmeb-294	284	54	in	in	ADP
ajbmeb-294	284	55	the	the	DET
ajbmeb-294	284	56	event	event	NOUN
ajbmeb-294	284	57	of	of	ADP
ajbmeb-294	284	58	applying	apply	VERB
ajbmeb-294	284	59	quality	quality	NOUN
ajbmeb-294	284	60	standards	standard	NOUN
ajbmeb-294	284	61	.	.	PUNCT
ajbmeb-294	285	1	7the	7the	NOUN
ajbmeb-294	285	2	creativity	creativity	NOUN
ajbmeb-294	285	3	dimension	dimension	NOUN
ajbmeb-294	285	4	got	get	VERB
ajbmeb-294	285	5	medium	medium	ADJ
ajbmeb-294	285	6	importance	importance	NOUN
ajbmeb-294	285	7	according	accord	VERB
ajbmeb-294	285	8	to	to	ADP
ajbmeb-294	285	9	the	the	DET
ajbmeb-294	285	10	opinions	opinion	NOUN
ajbmeb-294	285	11	of	of	ADP
ajbmeb-294	285	12	the	the	DET
ajbmeb-294	285	13	study	study	NOUN
ajbmeb-294	285	14	sample	sample	NOUN
ajbmeb-294	285	15	,	,	PUNCT
ajbmeb-294	285	16	and	and	CCONJ
ajbmeb-294	285	17	the	the	DET
ajbmeb-294	285	18	reason	reason	NOUN
ajbmeb-294	285	19	for	for	ADP
ajbmeb-294	285	20	this	this	PRON
ajbmeb-294	285	21	is	be	AUX
ajbmeb-294	285	22	due	due	ADJ
ajbmeb-294	285	23	to	to	ADP
ajbmeb-294	285	24	the	the	DET
ajbmeb-294	285	25	lack	lack	NOUN
ajbmeb-294	285	26	of	of	ADP
ajbmeb-294	285	27	interest	interest	NOUN
ajbmeb-294	285	28	of	of	ADP
ajbmeb-294	285	29	banks	bank	NOUN
ajbmeb-294	285	30	in	in	ADP
ajbmeb-294	285	31	research	research	NOUN
ajbmeb-294	285	32	and	and	CCONJ
ajbmeb-294	285	33	development	development	NOUN
ajbmeb-294	285	34	,	,	PUNCT
ajbmeb-294	285	35	in	in	ADP
ajbmeb-294	285	36	addition	addition	NOUN
ajbmeb-294	285	37	to	to	ADP
ajbmeb-294	285	38	the	the	DET
ajbmeb-294	285	39	lack	lack	NOUN
ajbmeb-294	285	40	of	of	ADP
ajbmeb-294	285	41	application	application	NOUN
ajbmeb-294	285	42	of	of	ADP
ajbmeb-294	285	43	creative	creative	ADJ
ajbmeb-294	285	44	methods	method	NOUN
ajbmeb-294	285	45	in	in	ADP
ajbmeb-294	285	46	many	many	ADJ
ajbmeb-294	285	47	areas	area	NOUN
ajbmeb-294	285	48	,	,	PUNCT
ajbmeb-294	285	49	especially	especially	ADV
ajbmeb-294	285	50	in	in	ADP
ajbmeb-294	285	51	the	the	DET
ajbmeb-294	285	52	promotional	promotional	ADJ
ajbmeb-294	285	53	field	field	NOUN
ajbmeb-294	285	54	.	.	PUNCT
ajbmeb-294	286	1	8the	8the	DET
ajbmeb-294	286	2	results	result	NOUN
ajbmeb-294	286	3	of	of	ADP
ajbmeb-294	286	4	the	the	DET
ajbmeb-294	286	5	descriptive	descriptive	ADJ
ajbmeb-294	286	6	statistics	statistic	NOUN
ajbmeb-294	286	7	found	find	VERB
ajbmeb-294	286	8	that	that	SCONJ
ajbmeb-294	286	9	the	the	DET
ajbmeb-294	286	10	flexibility	flexibility	NOUN
ajbmeb-294	286	11	dimension	dimension	NOUN
ajbmeb-294	286	12	has	have	AUX
ajbmeb-294	286	13	obtained	obtain	VERB
ajbmeb-294	286	14	a	a	DET
ajbmeb-294	286	15	high	high	ADJ
ajbmeb-294	286	16	arithmetic	arithmetic	ADJ
ajbmeb-294	286	17	average	average	NOUN
ajbmeb-294	286	18	and	and	CCONJ
ajbmeb-294	286	19	a	a	DET
ajbmeb-294	286	20	high	high	ADJ
ajbmeb-294	286	21	relative	relative	ADJ
ajbmeb-294	286	22	importance	importance	NOUN
ajbmeb-294	286	23	,	,	PUNCT
ajbmeb-294	286	24	and	and	CCONJ
ajbmeb-294	286	25	the	the	DET
ajbmeb-294	286	26	reason	reason	NOUN
ajbmeb-294	286	27	for	for	ADP
ajbmeb-294	286	28	that	that	PRON
ajbmeb-294	286	29	is	be	AUX
ajbmeb-294	286	30	the	the	DET
ajbmeb-294	286	31	methods	method	NOUN
ajbmeb-294	286	32	used	use	VERB
ajbmeb-294	286	33	in	in	ADP
ajbmeb-294	286	34	the	the	DET
ajbmeb-294	286	35	process	process	NOUN
ajbmeb-294	286	36	of	of	ADP
ajbmeb-294	286	37	providing	provide	VERB
ajbmeb-294	286	38	services	service	NOUN
ajbmeb-294	286	39	and	and	CCONJ
ajbmeb-294	286	40	according	accord	VERB
ajbmeb-294	286	41	to	to	ADP
ajbmeb-294	286	42	the	the	DET
ajbmeb-294	286	43	required	require	VERB
ajbmeb-294	286	44	quantities	quantity	NOUN
ajbmeb-294	286	45	and	and	CCONJ
ajbmeb-294	286	46	based	base	VERB
ajbmeb-294	286	47	on	on	ADP
ajbmeb-294	286	48	the	the	DET
ajbmeb-294	286	49	needs	need	NOUN
ajbmeb-294	286	50	and	and	CCONJ
ajbmeb-294	286	51	desires	desire	NOUN
ajbmeb-294	286	52	of	of	ADP
ajbmeb-294	286	53	customers	customer	NOUN
ajbmeb-294	286	54	.	.	PUNCT
ajbmeb-294	287	1	9the	9the	DET
ajbmeb-294	287	2	relative	relative	ADJ
ajbmeb-294	287	3	importance	importance	NOUN
ajbmeb-294	287	4	of	of	ADP
ajbmeb-294	287	5	the	the	DET
ajbmeb-294	287	6	time	time	NOUN
ajbmeb-294	287	7	dimension	dimension	NOUN
ajbmeb-294	287	8	got	get	VERB
ajbmeb-294	287	9	an	an	DET
ajbmeb-294	287	10	average	average	ADJ
ajbmeb-294	287	11	estimate	estimate	NOUN
ajbmeb-294	287	12	,	,	PUNCT
ajbmeb-294	287	13	and	and	CCONJ
ajbmeb-294	287	14	the	the	DET
ajbmeb-294	287	15	reason	reason	NOUN
ajbmeb-294	287	16	is	be	AUX
ajbmeb-294	287	17	due	due	ADJ
ajbmeb-294	287	18	to	to	ADP
ajbmeb-294	287	19	the	the	DET
ajbmeb-294	287	20	slow	slow	ADJ
ajbmeb-294	287	21	process	process	NOUN
ajbmeb-294	287	22	of	of	ADP
ajbmeb-294	287	23	development	development	NOUN
ajbmeb-294	287	24	and	and	CCONJ
ajbmeb-294	287	25	continuous	continuous	ADJ
ajbmeb-294	287	26	improvement	improvement	NOUN
ajbmeb-294	287	27	of	of	ADP
ajbmeb-294	287	28	some	some	DET
ajbmeb-294	287	29	banking	banking	NOUN
ajbmeb-294	287	30	services	service	NOUN
ajbmeb-294	287	31	,	,	PUNCT
ajbmeb-294	287	32	which	which	DET
ajbmeb-294	287	33	american	american	PROPN
ajbmeb-294	287	34	journal	journal	PROPN
ajbmeb-294	287	35	of	of	ADP
ajbmeb-294	287	36	business	business	NOUN
ajbmeb-294	287	37	management	management	NOUN
ajbmeb-294	287	38	,	,	PUNCT
ajbmeb-294	287	39	economics	economic	NOUN
ajbmeb-294	287	40	and	and	CCONJ
ajbmeb-294	287	41	banking	banking	NOUN
ajbmeb-294	287	42	volume	volume	NOUN
ajbmeb-294	287	43	8	8	NUM
ajbmeb-294	287	44	,	,	PUNCT
ajbmeb-294	287	45	jan	jan	PROPN
ajbmeb-294	287	46	.	.	PROPN
ajbmeb-294	287	47	,	,	PUNCT
ajbmeb-294	287	48	2023	2023	NUM
ajbmeb-294	287	49	p	p	NOUN
ajbmeb-294	288	1	a	a	DET
ajbmeb-294	288	2	g	g	NOUN
ajbmeb-294	288	3	e	e	NOUN
ajbmeb-294	288	4	|	|	ADV
ajbmeb-294	288	5	39	39	NUM
ajbmeb-294	288	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	288	7	creates	create	VERB
ajbmeb-294	288	8	a	a	DET
ajbmeb-294	288	9	waste	waste	NOUN
ajbmeb-294	288	10	of	of	ADP
ajbmeb-294	288	11	time	time	NOUN
ajbmeb-294	288	12	,	,	PUNCT
ajbmeb-294	288	13	and	and	CCONJ
ajbmeb-294	288	14	this	this	DET
ajbmeb-294	288	15	wasted	waste	VERB
ajbmeb-294	288	16	time	time	NOUN
ajbmeb-294	288	17	carries	carry	VERB
ajbmeb-294	288	18	additional	additional	ADJ
ajbmeb-294	288	19	burdens	burden	NOUN
ajbmeb-294	288	20	on	on	ADP
ajbmeb-294	288	21	the	the	DET
ajbmeb-294	288	22	factories	factory	NOUN
ajbmeb-294	288	23	,	,	PUNCT
ajbmeb-294	288	24	including	include	VERB
ajbmeb-294	288	25	those	those	PRON
ajbmeb-294	288	26	related	relate	VERB
ajbmeb-294	288	27	to	to	ADP
ajbmeb-294	288	28	the	the	DET
ajbmeb-294	288	29	cost	cost	NOUN
ajbmeb-294	288	30	.	.	PUNCT
ajbmeb-294	289	1	second	second	ADJ
ajbmeb-294	289	2	:	:	PUNCT
ajbmeb-294	289	3	recommendations	recommendation	VERB
ajbmeb-294	289	4	1commercial	1commercial	NUM
ajbmeb-294	289	5	banks	bank	NOUN
ajbmeb-294	289	6	operating	operate	VERB
ajbmeb-294	289	7	in	in	ADP
ajbmeb-294	289	8	iraq	iraq	PROPN
ajbmeb-294	289	9	have	have	VERB
ajbmeb-294	289	10	the	the	DET
ajbmeb-294	289	11	possibility	possibility	NOUN
ajbmeb-294	289	12	of	of	ADP
ajbmeb-294	289	13	applying	apply	VERB
ajbmeb-294	289	14	the	the	DET
ajbmeb-294	289	15	target	target	NOUN
ajbmeb-294	289	16	cost	cost	NOUN
ajbmeb-294	289	17	approach	approach	NOUN
ajbmeb-294	289	18	,	,	PUNCT
ajbmeb-294	289	19	therefore	therefore	ADV
ajbmeb-294	289	20	,	,	PUNCT
ajbmeb-294	289	21	it	it	PRON
ajbmeb-294	289	22	is	be	AUX
ajbmeb-294	289	23	advised	advise	VERB
ajbmeb-294	289	24	to	to	PART
ajbmeb-294	289	25	make	make	VERB
ajbmeb-294	289	26	a	a	DET
ajbmeb-294	289	27	strong	strong	ADJ
ajbmeb-294	289	28	effort	effort	NOUN
ajbmeb-294	289	29	to	to	PART
ajbmeb-294	289	30	advance	advance	VERB
ajbmeb-294	289	31	toward	toward	ADP
ajbmeb-294	289	32	its	its	PRON
ajbmeb-294	289	33	implementation	implementation	NOUN
ajbmeb-294	289	34	in	in	ADP
ajbmeb-294	289	35	banks	bank	NOUN
ajbmeb-294	289	36	due	due	ADP
ajbmeb-294	289	37	to	to	ADP
ajbmeb-294	289	38	the	the	DET
ajbmeb-294	289	39	advantages	advantage	NOUN
ajbmeb-294	289	40	,	,	PUNCT
ajbmeb-294	289	41	benefits	benefit	NOUN
ajbmeb-294	289	42	,	,	PUNCT
ajbmeb-294	289	43	and	and	CCONJ
ajbmeb-294	289	44	competitiveness	competitiveness	NOUN
ajbmeb-294	289	45	it	it	PRON
ajbmeb-294	289	46	achieves	achieve	VERB
ajbmeb-294	289	47	as	as	ADV
ajbmeb-294	289	48	well	well	ADV
ajbmeb-294	289	49	as	as	ADP
ajbmeb-294	289	50	its	its	PRON
ajbmeb-294	289	51	impact	impact	NOUN
ajbmeb-294	289	52	on	on	ADP
ajbmeb-294	289	53	achieving	achieve	VERB
ajbmeb-294	289	54	efficiency	efficiency	NOUN
ajbmeb-294	289	55	and	and	CCONJ
ajbmeb-294	289	56	effectiveness	effectiveness	NOUN
ajbmeb-294	289	57	in	in	ADP
ajbmeb-294	289	58	banks	bank	NOUN
ajbmeb-294	289	59	.	.	PUNCT
ajbmeb-294	290	1	2attempt	2attempt	NUM
ajbmeb-294	290	2	to	to	PART
ajbmeb-294	290	3	replace	replace	VERB
ajbmeb-294	290	4	the	the	DET
ajbmeb-294	290	5	conventional	conventional	ADJ
ajbmeb-294	290	6	approach	approach	NOUN
ajbmeb-294	290	7	to	to	ADP
ajbmeb-294	290	8	service	service	NOUN
ajbmeb-294	290	9	pricing	pricing	NOUN
ajbmeb-294	290	10	with	with	ADP
ajbmeb-294	290	11	one	one	NUM
ajbmeb-294	290	12	that	that	PRON
ajbmeb-294	290	13	takes	take	VERB
ajbmeb-294	290	14	into	into	ADP
ajbmeb-294	290	15	account	account	NOUN
ajbmeb-294	290	16	target	target	NOUN
ajbmeb-294	290	17	costs	cost	NOUN
ajbmeb-294	290	18	,	,	PUNCT
ajbmeb-294	290	19	as	as	SCONJ
ajbmeb-294	290	20	this	this	PRON
ajbmeb-294	290	21	brings	bring	VERB
ajbmeb-294	290	22	benefits	benefit	NOUN
ajbmeb-294	290	23	to	to	ADP
ajbmeb-294	290	24	banks	bank	NOUN
ajbmeb-294	290	25	and	and	CCONJ
ajbmeb-294	290	26	increases	increase	VERB
ajbmeb-294	290	27	their	their	PRON
ajbmeb-294	290	28	ability	ability	NOUN
ajbmeb-294	290	29	to	to	PART
ajbmeb-294	290	30	compete	compete	VERB
ajbmeb-294	290	31	in	in	ADP
ajbmeb-294	290	32	financial	financial	ADJ
ajbmeb-294	290	33	markets	market	NOUN
ajbmeb-294	290	34	.	.	PUNCT
ajbmeb-294	291	1	3educating	3educating	NUM
ajbmeb-294	291	2	and	and	CCONJ
ajbmeb-294	291	3	training	train	VERB
ajbmeb-294	291	4	the	the	DET
ajbmeb-294	291	5	relevant	relevant	ADJ
ajbmeb-294	291	6	authorities	authority	NOUN
ajbmeb-294	291	7	and	and	CCONJ
ajbmeb-294	291	8	bank	bank	NOUN
ajbmeb-294	291	9	staff	staff	NOUN
ajbmeb-294	291	10	about	about	ADP
ajbmeb-294	291	11	the	the	DET
ajbmeb-294	291	12	benefits	benefit	NOUN
ajbmeb-294	291	13	of	of	ADP
ajbmeb-294	291	14	the	the	DET
ajbmeb-294	291	15	target	target	NOUN
ajbmeb-294	291	16	cost	cost	NOUN
ajbmeb-294	291	17	strategy	strategy	NOUN
ajbmeb-294	291	18	and	and	CCONJ
ajbmeb-294	291	19	how	how	SCONJ
ajbmeb-294	291	20	it	it	PRON
ajbmeb-294	291	21	can	can	AUX
ajbmeb-294	291	22	increase	increase	VERB
ajbmeb-294	291	23	the	the	DET
ajbmeb-294	291	24	effectiveness	effectiveness	NOUN
ajbmeb-294	291	25	of	of	ADP
ajbmeb-294	291	26	pricing	pricing	NOUN
ajbmeb-294	291	27	banking	banking	NOUN
ajbmeb-294	291	28	services	service	NOUN
ajbmeb-294	291	29	,	,	PUNCT
ajbmeb-294	291	30	lowering	lower	VERB
ajbmeb-294	291	31	expenses	expense	NOUN
ajbmeb-294	291	32	,	,	PUNCT
ajbmeb-294	291	33	increasing	increase	VERB
ajbmeb-294	291	34	efficiency	efficiency	NOUN
ajbmeb-294	291	35	in	in	ADP
ajbmeb-294	291	36	providing	provide	VERB
ajbmeb-294	291	37	services	service	NOUN
ajbmeb-294	291	38	,	,	PUNCT
ajbmeb-294	291	39	and	and	CCONJ
ajbmeb-294	291	40	achieving	achieve	VERB
ajbmeb-294	291	41	the	the	DET
ajbmeb-294	291	42	desire	desire	NOUN
ajbmeb-294	291	43	and	and	CCONJ
ajbmeb-294	291	44	interest	interest	NOUN
ajbmeb-294	291	45	of	of	ADP
ajbmeb-294	291	46	customers	customer	NOUN
ajbmeb-294	291	47	.	.	PUNCT
ajbmeb-294	292	1	4the	4the	NUM
ajbmeb-294	292	2	need	need	VERB
ajbmeb-294	292	3	to	to	PART
ajbmeb-294	292	4	organize	organize	VERB
ajbmeb-294	292	5	operations	operation	NOUN
ajbmeb-294	292	6	and	and	CCONJ
ajbmeb-294	292	7	develop	develop	VERB
ajbmeb-294	292	8	programs	program	NOUN
ajbmeb-294	292	9	and	and	CCONJ
ajbmeb-294	292	10	plans	plan	NOUN
ajbmeb-294	292	11	capable	capable	ADJ
ajbmeb-294	292	12	of	of	ADP
ajbmeb-294	292	13	reducing	reduce	VERB
ajbmeb-294	292	14	the	the	DET
ajbmeb-294	292	15	costs	cost	NOUN
ajbmeb-294	292	16	of	of	ADP
ajbmeb-294	292	17	providing	provide	VERB
ajbmeb-294	292	18	services	service	NOUN
ajbmeb-294	292	19	within	within	ADP
ajbmeb-294	292	20	banks	bank	NOUN
ajbmeb-294	292	21	.	.	PUNCT
ajbmeb-294	293	1	5supporting	5supporting	NUM
ajbmeb-294	293	2	quality	quality	NOUN
ajbmeb-294	293	3	programs	program	NOUN
ajbmeb-294	293	4	that	that	PRON
ajbmeb-294	293	5	develop	develop	VERB
ajbmeb-294	293	6	and	and	CCONJ
ajbmeb-294	293	7	increase	increase	VERB
ajbmeb-294	293	8	the	the	DET
ajbmeb-294	293	9	attractiveness	attractiveness	NOUN
ajbmeb-294	293	10	of	of	ADP
ajbmeb-294	293	11	commodities	commodity	NOUN
ajbmeb-294	293	12	offered	offer	VERB
ajbmeb-294	293	13	by	by	ADP
ajbmeb-294	293	14	banks	bank	NOUN
ajbmeb-294	293	15	.	.	PUNCT
ajbmeb-294	294	1	6addressing	6addresse	VERB
ajbmeb-294	294	2	the	the	DET
ajbmeb-294	294	3	weakness	weakness	NOUN
ajbmeb-294	294	4	,	,	PUNCT
ajbmeb-294	294	5	which	which	PRON
ajbmeb-294	294	6	is	be	AUX
ajbmeb-294	294	7	represented	represent	VERB
ajbmeb-294	294	8	by	by	ADP
ajbmeb-294	294	9	the	the	DET
ajbmeb-294	294	10	lack	lack	NOUN
ajbmeb-294	294	11	of	of	ADP
ajbmeb-294	294	12	innovative	innovative	ADJ
ajbmeb-294	294	13	methods	method	NOUN
ajbmeb-294	294	14	applied	apply	VERB
ajbmeb-294	294	15	or	or	CCONJ
ajbmeb-294	294	16	used	use	VERB
ajbmeb-294	294	17	by	by	ADP
ajbmeb-294	294	18	banks	bank	NOUN
ajbmeb-294	294	19	in	in	ADP
ajbmeb-294	294	20	many	many	ADJ
ajbmeb-294	294	21	aspects	aspect	NOUN
ajbmeb-294	294	22	.	.	PUNCT
ajbmeb-294	295	1	7addressing	7addresse	VERB
ajbmeb-294	295	2	problems	problem	NOUN
ajbmeb-294	295	3	related	relate	VERB
ajbmeb-294	295	4	to	to	ADP
ajbmeb-294	295	5	the	the	DET
ajbmeb-294	295	6	most	most	ADV
ajbmeb-294	295	7	important	important	ADJ
ajbmeb-294	295	8	element	element	NOUN
ajbmeb-294	295	9	of	of	ADP
ajbmeb-294	295	10	work	work	NOUN
ajbmeb-294	295	11	,	,	PUNCT
ajbmeb-294	295	12	which	which	PRON
ajbmeb-294	295	13	is	be	AUX
ajbmeb-294	295	14	time	time	NOUN
ajbmeb-294	295	15	,	,	PUNCT
ajbmeb-294	295	16	through	through	ADP
ajbmeb-294	295	17	organization	organization	NOUN
ajbmeb-294	295	18	and	and	CCONJ
ajbmeb-294	295	19	developing	develop	VERB
ajbmeb-294	295	20	tools	tool	NOUN
ajbmeb-294	295	21	that	that	PRON
ajbmeb-294	295	22	make	make	VERB
ajbmeb-294	295	23	banks	bank	NOUN
ajbmeb-294	295	24	able	able	ADJ
ajbmeb-294	295	25	to	to	PART
ajbmeb-294	295	26	adhere	adhere	VERB
ajbmeb-294	295	27	to	to	ADP
ajbmeb-294	295	28	the	the	DET
ajbmeb-294	295	29	deadlines	deadline	NOUN
ajbmeb-294	295	30	for	for	ADP
ajbmeb-294	295	31	providing	provide	VERB
ajbmeb-294	295	32	services	service	NOUN
ajbmeb-294	295	33	to	to	ADP
ajbmeb-294	295	34	customers	customer	NOUN
ajbmeb-294	295	35	.	.	PUNCT
ajbmeb-294	296	1	references	reference	NOUN
ajbmeb-294	296	2	1	1	NUM
ajbmeb-294	296	3	.	.	PUNCT
ajbmeb-294	297	1	abu	abu	PROPN
ajbmeb-294	297	2	awad	awad	PROPN
ajbmeb-294	297	3	,	,	PUNCT
ajbmeb-294	297	4	muhammad	muhammad	PROPN
ajbmeb-294	297	5	rajeh	rajeh	PROPN
ajbmeb-294	297	6	khalil	khalil	PROPN
ajbmeb-294	297	7	,	,	PUNCT
ajbmeb-294	297	8	the	the	DET
ajbmeb-294	297	9	importance	importance	NOUN
ajbmeb-294	297	10	of	of	ADP
ajbmeb-294	297	11	using	use	VERB
ajbmeb-294	297	12	the	the	DET
ajbmeb-294	297	13	target	target	NOUN
ajbmeb-294	297	14	cost	cost	NOUN
ajbmeb-294	297	15	approach	approach	NOUN
ajbmeb-294	297	16	in	in	ADP
ajbmeb-294	297	17	improving	improve	VERB
ajbmeb-294	297	18	the	the	DET
ajbmeb-294	297	19	efficiency	efficiency	NOUN
ajbmeb-294	297	20	of	of	ADP
ajbmeb-294	297	21	pricing	pricing	NOUN
ajbmeb-294	297	22	banking	banking	NOUN
ajbmeb-294	297	23	services	service	NOUN
ajbmeb-294	297	24	,	,	PUNCT
ajbmeb-294	297	25	master	master	NOUN
ajbmeb-294	297	26	thesis	thesis	NOUN
ajbmeb-294	297	27	,	,	PUNCT
ajbmeb-294	297	28	middle	middle	PROPN
ajbmeb-294	297	29	east	east	PROPN
ajbmeb-294	297	30	university	university	PROPN
ajbmeb-294	297	31	for	for	ADP
ajbmeb-294	297	32	graduate	graduate	NOUN
ajbmeb-294	297	33	studies	study	NOUN
ajbmeb-294	297	34	,	,	PUNCT
ajbmeb-294	297	35	2008	2008	NUM
ajbmeb-294	297	36	.	.	PUNCT
ajbmeb-294	298	1	2	2	X
ajbmeb-294	298	2	.	.	X
ajbmeb-294	298	3	al	al	PROPN
ajbmeb-294	298	4	-	-	PUNCT
ajbmeb-294	298	5	ajarmah	ajarmah	PROPN
ajbmeb-294	298	6	,	,	PUNCT
ajbmeb-294	298	7	tayseer	tayseer	ADV
ajbmeb-294	298	8	,	,	PUNCT
ajbmeb-294	298	9	banking	banking	NOUN
ajbmeb-294	298	10	marketing	marketing	NOUN
ajbmeb-294	298	11	,	,	PUNCT
ajbmeb-294	298	12	jordan	jordan	PROPN
ajbmeb-294	298	13	:	:	PUNCT
ajbmeb-294	298	14	amman	amman	PROPN
ajbmeb-294	298	15	,	,	PUNCT
ajbmeb-294	298	16	dar	dar	PROPN
ajbmeb-294	298	17	al	al	PROPN
ajbmeb-294	298	18	-	-	PUNCT
ajbmeb-294	298	19	hamid	hamid	PROPN
ajbmeb-294	298	20	for	for	ADP
ajbmeb-294	298	21	publishing	publishing	NOUN
ajbmeb-294	298	22	and	and	CCONJ
ajbmeb-294	298	23	distribution	distribution	NOUN
ajbmeb-294	298	24	,	,	PUNCT
ajbmeb-294	298	25	2005	2005	NUM
ajbmeb-294	298	26	.	.	PUNCT
ajbmeb-294	299	1	3	3	X
ajbmeb-294	299	2	.	.	X
ajbmeb-294	299	3	al	al	PROPN
ajbmeb-294	299	4	-	-	PUNCT
ajbmeb-294	299	5	ali	ali	PROPN
ajbmeb-294	299	6	,	,	PUNCT
ajbmeb-294	299	7	abdul	abdul	PROPN
ajbmeb-294	299	8	sattar	sattar	PROPN
ajbmeb-294	299	9	muhammad	muhammad	PROPN
ajbmeb-294	299	10	,	,	PUNCT
ajbmeb-294	299	11	“	"	PUNCT
ajbmeb-294	299	12	modern	modern	ADJ
ajbmeb-294	299	13	management	management	NOUN
ajbmeb-294	299	14	of	of	ADP
ajbmeb-294	299	15	warehouses	warehouse	NOUN
ajbmeb-294	299	16	and	and	CCONJ
ajbmeb-294	299	17	purchasing	purchasing	NOUN
ajbmeb-294	299	18	”	"	PUNCT
ajbmeb-294	299	19	,	,	PUNCT
ajbmeb-294	299	20	first	first	ADJ
ajbmeb-294	299	21	edition	edition	NOUN
ajbmeb-294	299	22	,	,	PUNCT
ajbmeb-294	299	23	wael	wael	PROPN
ajbmeb-294	299	24	for	for	ADP
ajbmeb-294	299	25	printing	printing	NOUN
ajbmeb-294	299	26	and	and	CCONJ
ajbmeb-294	299	27	publishing	publishing	NOUN
ajbmeb-294	299	28	,	,	PUNCT
ajbmeb-294	299	29	amman	amman	PROPN
ajbmeb-294	299	30	,	,	PUNCT
ajbmeb-294	299	31	jordan	jordan	PROPN
ajbmeb-294	299	32	,	,	PUNCT
ajbmeb-294	299	33	(	(	PUNCT
ajbmeb-294	299	34	2006	2006	NUM
ajbmeb-294	299	35	)	)	PUNCT
ajbmeb-294	299	36	.	.	PUNCT
ajbmeb-294	300	1	4	4	X
ajbmeb-294	300	2	.	.	X
ajbmeb-294	300	3	al	al	PROPN
ajbmeb-294	300	4	-	-	PUNCT
ajbmeb-294	300	5	arabi	arabi	PROPN
ajbmeb-294	300	6	attia	attia	NOUN
ajbmeb-294	300	7	,	,	PUNCT
ajbmeb-294	300	8	“	"	PUNCT
ajbmeb-294	300	9	cost	cost	NOUN
ajbmeb-294	300	10	reduction	reduction	NOUN
ajbmeb-294	300	11	as	as	ADP
ajbmeb-294	300	12	a	a	DET
ajbmeb-294	300	13	strategic	strategic	ADJ
ajbmeb-294	300	14	tool	tool	NOUN
ajbmeb-294	300	15	to	to	PART
ajbmeb-294	300	16	face	face	VERB
ajbmeb-294	300	17	competition	competition	NOUN
ajbmeb-294	300	18	,	,	PUNCT
ajbmeb-294	300	19	”	"	PUNCT
ajbmeb-294	300	20	international	international	ADJ
ajbmeb-294	300	21	scientific	scientific	ADJ
ajbmeb-294	300	22	conference	conference	NOUN
ajbmeb-294	300	23	on	on	ADP
ajbmeb-294	300	24	the	the	DET
ajbmeb-294	300	25	outstanding	outstanding	ADJ
ajbmeb-294	300	26	performance	performance	NOUN
ajbmeb-294	300	27	of	of	ADP
ajbmeb-294	300	28	organizations	organization	NOUN
ajbmeb-294	300	29	and	and	CCONJ
ajbmeb-294	300	30	governments	government	NOUN
ajbmeb-294	300	31	,	,	PUNCT
ajbmeb-294	300	32	university	university	NOUN
ajbmeb-294	300	33	of	of	ADP
ajbmeb-294	300	34	ouargla	ouargla	PROPN
ajbmeb-294	300	35	,	,	PUNCT
ajbmeb-294	300	36	algeria	algeria	PROPN
ajbmeb-294	300	37	,	,	PUNCT
ajbmeb-294	300	38	(	(	PUNCT
ajbmeb-294	300	39	2005	2005	NUM
ajbmeb-294	300	40	)	)	PUNCT
ajbmeb-294	300	41	.	.	PUNCT
ajbmeb-294	301	1	5	5	X
ajbmeb-294	301	2	.	.	X
ajbmeb-294	301	3	al	al	PROPN
ajbmeb-294	301	4	-	-	PUNCT
ajbmeb-294	301	5	azzawi	azzawi	PROPN
ajbmeb-294	301	6	,	,	PUNCT
ajbmeb-294	301	7	shefaa	shefaa	NOUN
ajbmeb-294	301	8	muhammad	muhammad	PROPN
ajbmeb-294	301	9	ali	ali	PROPN
ajbmeb-294	301	10	hassoun	hassoun	PROPN
ajbmeb-294	301	11	,	,	PUNCT
ajbmeb-294	301	12	“	"	PUNCT
ajbmeb-294	301	13	measuring	measure	VERB
ajbmeb-294	301	14	the	the	DET
ajbmeb-294	301	15	relationship	relationship	NOUN
ajbmeb-294	301	16	of	of	ADP
ajbmeb-294	301	17	functional	functional	ADJ
ajbmeb-294	301	18	work	work	NOUN
ajbmeb-294	301	19	design	design	NOUN
ajbmeb-294	301	20	with	with	ADP
ajbmeb-294	301	21	the	the	DET
ajbmeb-294	301	22	creativity	creativity	NOUN
ajbmeb-294	301	23	of	of	ADP
ajbmeb-294	301	24	managers	manager	NOUN
ajbmeb-294	301	25	in	in	ADP
ajbmeb-294	301	26	the	the	DET
ajbmeb-294	301	27	general	general	ADJ
ajbmeb-294	301	28	company	company	NOUN
ajbmeb-294	301	29	for	for	ADP
ajbmeb-294	301	30	batteries	battery	NOUN
ajbmeb-294	301	31	industry	industry	NOUN
ajbmeb-294	301	32	”	"	PUNCT
ajbmeb-294	301	33	,	,	PUNCT
ajbmeb-294	301	34	journal	journal	NOUN
ajbmeb-294	301	35	of	of	ADP
ajbmeb-294	301	36	economic	economic	ADJ
ajbmeb-294	301	37	and	and	CCONJ
ajbmeb-294	301	38	administrative	administrative	ADJ
ajbmeb-294	301	39	sciences	science	NOUN
ajbmeb-294	301	40	,	,	PUNCT
ajbmeb-294	301	41	university	university	NOUN
ajbmeb-294	301	42	of	of	ADP
ajbmeb-294	301	43	baghdad	baghdad	PROPN
ajbmeb-294	301	44	,	,	PUNCT
ajbmeb-294	301	45	college	college	NOUN
ajbmeb-294	301	46	of	of	ADP
ajbmeb-294	301	47	administration	administration	NOUN
ajbmeb-294	301	48	and	and	CCONJ
ajbmeb-294	301	49	economics	economic	NOUN
ajbmeb-294	301	50	,	,	PUNCT
ajbmeb-294	301	51	volume	volume	NOUN
ajbmeb-294	301	52	9	9	NUM
ajbmeb-294	301	53	,	,	PUNCT
ajbmeb-294	301	54	issue	issue	NOUN
ajbmeb-294	301	55	29	29	NUM
ajbmeb-294	301	56	,	,	PUNCT
ajbmeb-294	301	57	(	(	PUNCT
ajbmeb-294	301	58	2002	2002	NUM
ajbmeb-294	301	59	)	)	PUNCT
ajbmeb-294	301	60	.	.	PUNCT
ajbmeb-294	302	1	6	6	X
ajbmeb-294	302	2	.	.	X
ajbmeb-294	302	3	al	al	PROPN
ajbmeb-294	302	4	-	-	PUNCT
ajbmeb-294	302	5	khalaf	khalaf	PROPN
ajbmeb-294	302	6	,	,	PUNCT
ajbmeb-294	302	7	nidal	nidal	PROPN
ajbmeb-294	302	8	muhammad	muhammad	PROPN
ajbmeb-294	302	9	reda	reda	PROPN
ajbmeb-294	302	10	,	,	PUNCT
ajbmeb-294	302	11	zwelf	zwelf	PROPN
ajbmeb-294	302	12	,	,	PUNCT
ajbmeb-294	302	13	inam	inam	PROPN
ajbmeb-294	302	14	mohsen	mohsen	PROPN
ajbmeb-294	302	15	hassan	hassan	PROPN
ajbmeb-294	302	16	,	,	PUNCT
ajbmeb-294	302	17	pricing	pricing	NOUN
ajbmeb-294	302	18	using	use	VERB
ajbmeb-294	302	19	the	the	DET
ajbmeb-294	302	20	target	target	NOUN
ajbmeb-294	302	21	cost	cost	NOUN
ajbmeb-294	302	22	approach	approach	NOUN
ajbmeb-294	302	23	:	:	PUNCT
ajbmeb-294	302	24	a	a	DET
ajbmeb-294	302	25	field	field	NOUN
ajbmeb-294	302	26	study	study	NOUN
ajbmeb-294	302	27	in	in	ADP
ajbmeb-294	302	28	the	the	DET
ajbmeb-294	302	29	jordanian	jordanian	ADJ
ajbmeb-294	302	30	veterinary	veterinary	ADJ
ajbmeb-294	302	31	medicine	medicine	NOUN
ajbmeb-294	302	32	industry	industry	NOUN
ajbmeb-294	302	33	,	,	PUNCT
ajbmeb-294	302	34	refereed	refereed	ADJ
ajbmeb-294	302	35	research	research	NOUN
ajbmeb-294	302	36	,	,	PUNCT
ajbmeb-294	302	37	king	king	PROPN
ajbmeb-294	302	38	abdulaziz	abdulaziz	PROPN
ajbmeb-294	302	39	university	university	PROPN
ajbmeb-294	302	40	journal	journal	PROPN
ajbmeb-294	302	41	of	of	ADP
ajbmeb-294	302	42	economics	economic	NOUN
ajbmeb-294	302	43	and	and	CCONJ
ajbmeb-294	302	44	administration	administration	NOUN
ajbmeb-294	302	45	,	,	PUNCT
ajbmeb-294	302	46	volume	volume	NOUN
ajbmeb-294	302	47	81	81	NUM
ajbmeb-294	302	48	,	,	PUNCT
ajbmeb-294	302	49	number	number	NOUN
ajbmeb-294	302	50	1	1	NUM
ajbmeb-294	302	51	,	,	PUNCT
ajbmeb-294	302	52	2007	2007	NUM
ajbmeb-294	302	53	.	.	PUNCT
ajbmeb-294	303	1	7	7	X
ajbmeb-294	303	2	.	.	X
ajbmeb-294	303	3	al	al	PROPN
ajbmeb-294	303	4	-	-	PUNCT
ajbmeb-294	303	5	obeidi	obeidi	PROPN
ajbmeb-294	303	6	,	,	PUNCT
ajbmeb-294	303	7	bashar	bashar	PROPN
ajbmeb-294	303	8	muhammad	muhammad	PROPN
ajbmeb-294	303	9	khalil	khalil	PROPN
ajbmeb-294	303	10	,	,	PUNCT
ajbmeb-294	303	11	“	"	PUNCT
ajbmeb-294	303	12	technical	technical	ADJ
ajbmeb-294	303	13	creativity	creativity	NOUN
ajbmeb-294	303	14	and	and	CCONJ
ajbmeb-294	303	15	its	its	PRON
ajbmeb-294	303	16	impact	impact	NOUN
ajbmeb-294	303	17	on	on	ADP
ajbmeb-294	303	18	achieving	achieve	VERB
ajbmeb-294	303	19	competitive	competitive	ADJ
ajbmeb-294	303	20	advantage	advantage	NOUN
ajbmeb-294	303	21	,	,	PUNCT
ajbmeb-294	303	22	”	"	PUNCT
ajbmeb-294	303	23	an	an	DET
ajbmeb-294	303	24	analytical	analytical	ADJ
ajbmeb-294	303	25	study	study	NOUN
ajbmeb-294	303	26	of	of	ADP
ajbmeb-294	303	27	the	the	DET
ajbmeb-294	303	28	opinions	opinion	NOUN
ajbmeb-294	303	29	of	of	ADP
ajbmeb-294	303	30	a	a	DET
ajbmeb-294	303	31	number	number	NOUN
ajbmeb-294	303	32	of	of	ADP
ajbmeb-294	303	33	managers	manager	NOUN
ajbmeb-294	303	34	of	of	ADP
ajbmeb-294	303	35	industrial	industrial	ADJ
ajbmeb-294	303	36	american	american	ADJ
ajbmeb-294	303	37	journal	journal	PROPN
ajbmeb-294	303	38	of	of	ADP
ajbmeb-294	303	39	business	business	NOUN
ajbmeb-294	303	40	management	management	NOUN
ajbmeb-294	303	41	,	,	PUNCT
ajbmeb-294	303	42	economics	economic	NOUN
ajbmeb-294	303	43	and	and	CCONJ
ajbmeb-294	303	44	banking	banking	NOUN
ajbmeb-294	303	45	volume	volume	NOUN
ajbmeb-294	303	46	8	8	NUM
ajbmeb-294	303	47	,	,	PUNCT
ajbmeb-294	303	48	jan	jan	PROPN
ajbmeb-294	303	49	.	.	PROPN
ajbmeb-294	303	50	,	,	PUNCT
ajbmeb-294	303	51	2023	2023	NUM
ajbmeb-294	303	52	p	p	NOUN
ajbmeb-294	303	53	a	a	DET
ajbmeb-294	303	54	g	g	NOUN
ajbmeb-294	303	55	e	e	NOUN
ajbmeb-294	303	56	|	|	ADV
ajbmeb-294	303	57	40	40	NUM
ajbmeb-294	303	58	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-294	303	59	organizations	organization	NOUN
ajbmeb-294	303	60	,	,	PUNCT
ajbmeb-294	303	61	a	a	DET
ajbmeb-294	303	62	master	master	NOUN
ajbmeb-294	303	63	’s	’s	PART
ajbmeb-294	303	64	thesis	thesis	NOUN
ajbmeb-294	303	65	in	in	ADP
ajbmeb-294	303	66	business	business	NOUN
ajbmeb-294	303	67	administration	administration	NOUN
ajbmeb-294	303	68	submitted	submit	VERB
ajbmeb-294	303	69	to	to	ADP
ajbmeb-294	303	70	the	the	DET
ajbmeb-294	303	71	college	college	PROPN
ajbmeb-294	303	72	of	of	ADP
ajbmeb-294	303	73	administration	administration	NOUN
ajbmeb-294	303	74	and	and	CCONJ
ajbmeb-294	303	75	economics	economic	NOUN
ajbmeb-294	303	76	,	,	PUNCT
ajbmeb-294	303	77	al	al	PROPN
ajbmeb-294	303	78	-	-	PUNCT
ajbmeb-294	303	79	mustansiriya	mustansiriya	PROPN
ajbmeb-294	303	80	university	university	NOUN
ajbmeb-294	303	81	,	,	PUNCT
ajbmeb-294	303	82	(	(	PUNCT
ajbmeb-294	303	83	published	publish	VERB
ajbmeb-294	303	84	within	within	ADP
ajbmeb-294	303	85	the	the	DET
ajbmeb-294	303	86	research	research	NOUN
ajbmeb-294	303	87	of	of	ADP
ajbmeb-294	303	88	ps	ps	PROPN
ajbmeb-294	303	89	university	university	NOUN
ajbmeb-294	303	90	accounting	accounting	NOUN
ajbmeb-294	303	91	forums	forum	NOUN
ajbmeb-294	303	92	2005	2005	NUM
ajbmeb-294	303	93	)	)	PUNCT
ajbmeb-294	303	94	.	.	PUNCT
ajbmeb-294	304	1	8	8	X
ajbmeb-294	304	2	.	.	X
ajbmeb-294	305	1	al	al	PROPN
ajbmeb-294	305	2	-	-	PUNCT
ajbmeb-294	305	3	sumaidaei	sumaidaei	NOUN
ajbmeb-294	305	4	,	,	PUNCT
ajbmeb-294	305	5	mahmoud	mahmoud	PROPN
ajbmeb-294	305	6	jassim	jassim	PROPN
ajbmeb-294	305	7	muhammad	muhammad	PROPN
ajbmeb-294	305	8	and	and	CCONJ
ajbmeb-294	305	9	youssef	youssef	PROPN
ajbmeb-294	305	10	,	,	PUNCT
ajbmeb-294	305	11	rudeina	rudeina	PROPN
ajbmeb-294	305	12	othman	othman	PROPN
ajbmeb-294	305	13	,	,	PUNCT
ajbmeb-294	305	14	banking	banking	NOUN
ajbmeb-294	305	15	marketing	marketing	NOUN
ajbmeb-294	305	16	:	:	PUNCT
ajbmeb-294	305	17	an	an	DET
ajbmeb-294	305	18	analytical	analytical	ADJ
ajbmeb-294	305	19	,	,	PUNCT
ajbmeb-294	305	20	quantitative	quantitative	ADJ
ajbmeb-294	305	21	strategic	strategic	ADJ
ajbmeb-294	305	22	approach	approach	NOUN
ajbmeb-294	305	23	,	,	PUNCT
ajbmeb-294	305	24	jordan	jordan	PROPN
ajbmeb-294	305	25	:	:	PUNCT
ajbmeb-294	305	26	amman	amman	PROPN
ajbmeb-294	305	27	,	,	PUNCT
ajbmeb-294	305	28	dar	dar	PROPN
ajbmeb-294	305	29	al	al	PROPN
ajbmeb-294	305	30	-	-	PUNCT
ajbmeb-294	305	31	manhaj	manhaj	PROPN
ajbmeb-294	305	32	for	for	ADP
ajbmeb-294	305	33	publishing	publishing	NOUN
ajbmeb-294	305	34	and	and	CCONJ
ajbmeb-294	305	35	distribution	distribution	NOUN
ajbmeb-294	305	36	,	,	PUNCT
ajbmeb-294	305	37	2005	2005	NUM
ajbmeb-294	305	38	.	.	PUNCT
ajbmeb-294	306	1	9	9	X
ajbmeb-294	306	2	.	.	X
ajbmeb-294	306	3	al	al	PROPN
ajbmeb-294	306	4	-	-	PUNCT
ajbmeb-294	306	5	taweel	taweel	PROPN
ajbmeb-294	306	6	,	,	PUNCT
ajbmeb-294	306	7	akram	akram	PROPN
ajbmeb-294	306	8	ahmed	ahmed	PROPN
ajbmeb-294	306	9	and	and	CCONJ
ajbmeb-294	306	10	al	al	PROPN
ajbmeb-294	306	11	-	-	PUNCT
ajbmeb-294	306	12	hafiz	hafiz	PROPN
ajbmeb-294	306	13	,	,	PUNCT
ajbmeb-294	306	14	ali	ali	PROPN
ajbmeb-294	306	15	abdel	abdel	PROPN
ajbmeb-294	306	16	-	-	PUNCT
ajbmeb-294	306	17	sattar	sattar	PROPN
ajbmeb-294	306	18	,	,	PUNCT
ajbmeb-294	306	19	“	"	PUNCT
ajbmeb-294	306	20	the	the	DET
ajbmeb-294	306	21	impact	impact	NOUN
ajbmeb-294	306	22	of	of	ADP
ajbmeb-294	306	23	product	product	NOUN
ajbmeb-294	306	24	design	design	NOUN
ajbmeb-294	306	25	on	on	ADP
ajbmeb-294	306	26	competitive	competitive	ADJ
ajbmeb-294	306	27	priorities	priority	NOUN
ajbmeb-294	306	28	,	,	PUNCT
ajbmeb-294	306	29	”	"	PUNCT
ajbmeb-294	306	30	a	a	DET
ajbmeb-294	306	31	prospective	prospective	ADJ
ajbmeb-294	306	32	study	study	NOUN
ajbmeb-294	306	33	of	of	ADP
ajbmeb-294	306	34	the	the	DET
ajbmeb-294	306	35	opinions	opinion	NOUN
ajbmeb-294	306	36	of	of	ADP
ajbmeb-294	306	37	a	a	DET
ajbmeb-294	306	38	sample	sample	NOUN
ajbmeb-294	306	39	of	of	ADP
ajbmeb-294	306	40	managers	manager	NOUN
ajbmeb-294	306	41	of	of	ADP
ajbmeb-294	306	42	joint	joint	ADJ
ajbmeb-294	306	43	-	-	PUNCT
ajbmeb-294	306	44	stock	stock	NOUN
ajbmeb-294	306	45	industrial	industrial	ADJ
ajbmeb-294	306	46	companies	company	NOUN
ajbmeb-294	306	47	,	,	PUNCT
ajbmeb-294	306	48	nineveh	nineveh	PROPN
ajbmeb-294	306	49	governorate	governorate	PROPN
ajbmeb-294	306	50	,	,	PUNCT
ajbmeb-294	306	51	tanmiat	tanmiat	PROPN
ajbmeb-294	306	52	al	al	PROPN
ajbmeb-294	306	53	-	-	PUNCT
ajbmeb-294	306	54	rafidain	rafidain	PROPN
ajbmeb-294	306	55	journal	journal	NOUN
ajbmeb-294	306	56	,	,	PUNCT
ajbmeb-294	306	57	university	university	PROPN
ajbmeb-294	306	58	of	of	ADP
ajbmeb-294	306	59	mosul	mosul	PROPN
ajbmeb-294	306	60	,	,	PUNCT
ajbmeb-294	306	61	college	college	PROPN
ajbmeb-294	306	62	of	of	ADP
ajbmeb-294	306	63	administration	administration	NOUN
ajbmeb-294	306	64	and	and	CCONJ
ajbmeb-294	306	65	economics	economic	NOUN
ajbmeb-294	306	66	,	,	PUNCT
ajbmeb-294	306	67	volume	volume	NOUN
ajbmeb-294	306	68	2/24	2/24	NUM
ajbmeb-294	306	69	,	,	PUNCT
ajbmeb-294	306	70	no	no	INTJ
ajbmeb-294	306	71	.	.	NOUN
ajbmeb-294	306	72	69	69	NUM
ajbmeb-294	306	73	,	,	PUNCT
ajbmeb-294	306	74	(	(	PUNCT
ajbmeb-294	306	75	2002	2002	NUM
ajbmeb-294	306	76	)	)	PUNCT
ajbmeb-294	306	77	.	.	PUNCT
ajbmeb-294	307	1	10	10	NUM
ajbmeb-294	307	2	.	.	X
ajbmeb-294	308	1	al	al	PROPN
ajbmeb-294	308	2	-	-	PUNCT
ajbmeb-294	308	3	taweel	taweel	PROPN
ajbmeb-294	308	4	,	,	PUNCT
ajbmeb-294	308	5	akram	akram	PROPN
ajbmeb-294	308	6	ahmed	ahmed	PROPN
ajbmeb-294	308	7	,	,	PUNCT
ajbmeb-294	308	8	and	and	CCONJ
ajbmeb-294	308	9	ismail	ismail	PROPN
ajbmeb-294	308	10	,	,	PUNCT
ajbmeb-294	308	11	ragheed	ragheed	VERB
ajbmeb-294	308	12	ibrahim	ibrahim	PROPN
ajbmeb-294	308	13	.	.	PUNCT
ajbmeb-294	309	1	the	the	DET
ajbmeb-294	309	2	relationship	relationship	NOUN
ajbmeb-294	309	3	between	between	ADP
ajbmeb-294	309	4	the	the	DET
ajbmeb-294	309	5	types	type	NOUN
ajbmeb-294	309	6	of	of	ADP
ajbmeb-294	309	7	technical	technical	ADJ
ajbmeb-294	309	8	innovation	innovation	NOUN
ajbmeb-294	309	9	and	and	CCONJ
ajbmeb-294	309	10	the	the	DET
ajbmeb-294	309	11	dimensions	dimension	NOUN
ajbmeb-294	309	12	of	of	ADP
ajbmeb-294	309	13	competitive	competitive	ADJ
ajbmeb-294	309	14	advantage	advantage	NOUN
ajbmeb-294	309	15	,	,	PUNCT
ajbmeb-294	309	16	a	a	DET
ajbmeb-294	309	17	field	field	NOUN
ajbmeb-294	309	18	study	study	NOUN
ajbmeb-294	309	19	in	in	ADP
ajbmeb-294	309	20	a	a	DET
ajbmeb-294	309	21	selected	select	VERB
ajbmeb-294	309	22	group	group	NOUN
ajbmeb-294	309	23	of	of	ADP
ajbmeb-294	309	24	industrial	industrial	ADJ
ajbmeb-294	309	25	companies	company	NOUN
ajbmeb-294	309	26	in	in	ADP
ajbmeb-294	309	27	nineveh	nineveh	PROPN
ajbmeb-294	309	28	governorate	governorate	PROPN
ajbmeb-294	309	29	,	,	PUNCT
ajbmeb-294	309	30	university	university	PROPN
ajbmeb-294	309	31	of	of	ADP
ajbmeb-294	309	32	mosul	mosul	PROPN
ajbmeb-294	309	33	,	,	PUNCT
ajbmeb-294	309	34	college	college	PROPN
ajbmeb-294	309	35	of	of	ADP
ajbmeb-294	309	36	administration	administration	NOUN
ajbmeb-294	309	37	and	and	CCONJ
ajbmeb-294	309	38	economics	economic	NOUN
ajbmeb-294	309	39	2008	2008	NUM
ajbmeb-294	309	40	.	.	PUNCT
ajbmeb-294	310	1	11	11	NUM
ajbmeb-294	310	2	.	.	X
ajbmeb-294	311	1	awad	awad	PROPN
ajbmeb-294	311	2	,	,	PUNCT
ajbmeb-294	311	3	muhammad	muhammad	PROPN
ajbmeb-294	311	4	ahmed	ahmed	PROPN
ajbmeb-294	311	5	,	,	PUNCT
ajbmeb-294	311	6	“	"	PUNCT
ajbmeb-294	311	7	strategic	strategic	ADJ
ajbmeb-294	311	8	management	management	NOUN
ajbmeb-294	311	9	,	,	PUNCT
ajbmeb-294	311	10	fundamentals	fundamental	NOUN
ajbmeb-294	311	11	and	and	CCONJ
ajbmeb-294	311	12	scientific	scientific	ADJ
ajbmeb-294	311	13	foundations	foundation	NOUN
ajbmeb-294	311	14	”	"	PUNCT
ajbmeb-294	311	15	,	,	PUNCT
ajbmeb-294	311	16	university	university	NOUN
ajbmeb-294	311	17	house	house	NOUN
ajbmeb-294	311	18	for	for	ADP
ajbmeb-294	311	19	printing	printing	NOUN
ajbmeb-294	311	20	,	,	PUNCT
ajbmeb-294	311	21	publishing	publishing	NOUN
ajbmeb-294	311	22	and	and	CCONJ
ajbmeb-294	311	23	distribution	distribution	NOUN
ajbmeb-294	311	24	,	,	PUNCT
ajbmeb-294	311	25	mosul	mosul	PROPN
ajbmeb-294	311	26	,	,	PUNCT
ajbmeb-294	311	27	iraq	iraq	PROPN
ajbmeb-294	311	28	,	,	PUNCT
ajbmeb-294	311	29	(	(	PUNCT
ajbmeb-294	311	30	2000	2000	NUM
ajbmeb-294	311	31	)	)	PUNCT
ajbmeb-294	311	32	.	.	PUNCT
ajbmeb-294	312	1	12	12	NUM
ajbmeb-294	312	2	.	.	PUNCT
ajbmeb-294	313	1	charles	charles	PROPN
ajbmeb-294	313	2	,	,	PUNCT
ajbmeb-294	313	3	gareth	gareth	PROPN
ajbmeb-294	313	4	.	.	PUNCT
ajbmeb-294	314	1	strategic	strategic	ADJ
ajbmeb-294	314	2	management	management	NOUN
ajbmeb-294	314	3	,	,	PUNCT
ajbmeb-294	314	4	arabization	arabization	NOUN
ajbmeb-294	314	5	of	of	ADP
ajbmeb-294	314	6	rifai	rifai	PROPN
ajbmeb-294	314	7	muhammad	muhammad	PROPN
ajbmeb-294	314	8	rifai	rifai	PROPN
ajbmeb-294	314	9	,	,	PUNCT
ajbmeb-294	314	10	dar	dar	PROPN
ajbmeb-294	314	11	al	al	PROPN
ajbmeb-294	314	12	-	-	PUNCT
ajbmeb-294	314	13	marikh	marikh	NOUN
ajbmeb-294	314	14	,	,	PUNCT
ajbmeb-294	314	15	riyadh	riyadh	NOUN
ajbmeb-294	314	16	,	,	PUNCT
ajbmeb-294	314	17	2001	2001	NUM
ajbmeb-294	314	18	,	,	PUNCT
ajbmeb-294	314	19	150	150	NUM
ajbmeb-294	314	20	.	.	NOUN
ajbmeb-294	314	21	13	13	NUM
ajbmeb-294	314	22	.	.	PUNCT
ajbmeb-294	315	1	damour	damour	PROPN
ajbmeb-294	315	2	,	,	PUNCT
ajbmeb-294	315	3	hani	hani	PROPN
ajbmeb-294	315	4	hamed	hamed	PROPN
ajbmeb-294	315	5	,	,	PUNCT
ajbmeb-294	315	6	marketing	marketing	NOUN
ajbmeb-294	315	7	services	service	NOUN
ajbmeb-294	315	8	,	,	PUNCT
ajbmeb-294	315	9	fifth	fifth	ADJ
ajbmeb-294	315	10	edition	edition	NOUN
ajbmeb-294	315	11	,	,	PUNCT
ajbmeb-294	315	12	jordan	jordan	PROPN
ajbmeb-294	315	13	:	:	PUNCT
ajbmeb-294	315	14	amman	amman	PROPN
ajbmeb-294	315	15	,	,	PUNCT
ajbmeb-294	315	16	dar	dar	PROPN
ajbmeb-294	315	17	wael	wael	PROPN
ajbmeb-294	315	18	for	for	ADP
ajbmeb-294	315	19	publishing	publishing	NOUN
ajbmeb-294	315	20	and	and	CCONJ
ajbmeb-294	315	21	distribution	distribution	NOUN
ajbmeb-294	315	22	,	,	PUNCT
ajbmeb-294	315	23	2009	2009	NUM
ajbmeb-294	315	24	.	.	PUNCT
ajbmeb-294	316	1	14	14	NUM
ajbmeb-294	316	2	.	.	PUNCT
ajbmeb-294	317	1	el	el	NOUN
ajbmeb-294	317	2	-	-	PROPN
ajbmeb-294	317	3	sherbiny	sherbiny	PROPN
ajbmeb-294	317	4	,	,	PUNCT
ajbmeb-294	317	5	abdel	abdel	PROPN
ajbmeb-294	317	6	aziz	aziz	PROPN
ajbmeb-294	317	7	,	,	PUNCT
ajbmeb-294	317	8	“	"	PUNCT
ajbmeb-294	317	9	where	where	SCONJ
ajbmeb-294	317	10	is	be	AUX
ajbmeb-294	317	11	the	the	DET
ajbmeb-294	317	12	arab	arab	ADJ
ajbmeb-294	317	13	administration	administration	NOUN
ajbmeb-294	317	14	from	from	ADP
ajbmeb-294	317	15	the	the	DET
ajbmeb-294	317	16	competitive	competitive	ADJ
ajbmeb-294	317	17	advantage	advantage	NOUN
ajbmeb-294	317	18	?	?	PUNCT
ajbmeb-294	317	19	”	"	PUNCT
ajbmeb-294	317	20	management	management	NOUN
ajbmeb-294	317	21	news	news	NOUN
ajbmeb-294	317	22	,	,	PUNCT
ajbmeb-294	317	23	quarterly	quarterly	ADJ
ajbmeb-294	317	24	bulletin	bulletin	NOUN
ajbmeb-294	317	25	issued	issue	VERB
ajbmeb-294	317	26	by	by	ADP
ajbmeb-294	317	27	the	the	DET
ajbmeb-294	317	28	arab	arab	ADJ
ajbmeb-294	317	29	organization	organization	NOUN
ajbmeb-294	317	30	for	for	ADP
ajbmeb-294	317	31	management	management	NOUN
ajbmeb-294	317	32	development	development	NOUN
ajbmeb-294	317	33	,	,	PUNCT
ajbmeb-294	317	34	no	no	INTJ
ajbmeb-294	317	35	.	.	PROPN
ajbmeb-294	317	36	16	16	NUM
ajbmeb-294	317	37	,	,	PUNCT
ajbmeb-294	317	38	september	september	PROPN
ajbmeb-294	317	39	,	,	PUNCT
ajbmeb-294	317	40	cairo	cairo	PROPN
ajbmeb-294	317	41	(	(	PUNCT
ajbmeb-294	317	42	1996	1996	NUM
ajbmeb-294	317	43	)	)	PUNCT
ajbmeb-294	317	44	.	.	PUNCT
ajbmeb-294	318	1	15	15	NUM
ajbmeb-294	318	2	.	.	X
ajbmeb-294	318	3	garrison	garrison	NOUN
ajbmeb-294	318	4	,	,	PUNCT
ajbmeb-294	318	5	ray	ray	PROPN
ajbmeb-294	318	6	h.	h.	PROPN
ajbmeb-294	318	7	&	&	CCONJ
ajbmeb-294	318	8	noreen	noreen	PROPN
ajbmeb-294	318	9	,	,	PUNCT
ajbmeb-294	318	10	eric	eric	PROPN
ajbmeb-294	318	11	w.	w.	PROPN
ajbmeb-294	318	12	and	and	CCONJ
ajbmeb-294	318	13	brewer	brewer	PROPN
ajbmeb-294	318	14	,	,	PUNCT
ajbmeb-294	318	15	peter	peter	PROPN
ajbmeb-294	318	16	c	c	PROPN
ajbmeb-294	318	17	,	,	PUNCT
ajbmeb-294	318	18	managerial	managerial	ADJ
ajbmeb-294	318	19	accounting	accounting	NOUN
ajbmeb-294	318	20	,	,	PUNCT
ajbmeb-294	318	21	11th	11th	ADJ
ajbmeb-294	318	22	edition	edition	NOUN
ajbmeb-294	318	23	,	,	PUNCT
ajbmeb-294	318	24	boston	boston	PROPN
ajbmeb-294	318	25	:	:	PUNCT
ajbmeb-294	318	26	mcgraw	mcgraw	PROPN
ajbmeb-294	318	27	-	-	PUNCT
ajbmeb-294	318	28	hill	hill	NOUN
ajbmeb-294	318	29	,	,	PUNCT
ajbmeb-294	318	30	2006	2006	NUM
ajbmeb-294	318	31	.	.	PUNCT
ajbmeb-294	319	1	16	16	NUM
ajbmeb-294	319	2	.	.	PUNCT
ajbmeb-294	319	3	hicks	hicks	PROPN
ajbmeb-294	319	4	,	,	PUNCT
ajbmeb-294	319	5	jr	jr	PROPN
ajbmeb-294	319	6	.	.	PROPN
ajbmeb-294	319	7	,	,	PUNCT
ajbmeb-294	319	8	"	"	PUNCT
ajbmeb-294	319	9	management	management	NOUN
ajbmeb-294	319	10	information	information	NOUN
ajbmeb-294	319	11	systems	system	NOUN
ajbmeb-294	319	12	"	"	PUNCT
ajbmeb-294	319	13	,	,	PUNCT
ajbmeb-294	319	14	third	third	ADJ
ajbmeb-294	319	15	edition	edition	NOUN
ajbmeb-294	319	16	,	,	PUNCT
ajbmeb-294	319	17	west	west	PROPN
ajbmeb-294	319	18	publishing	publishing	PROPN
ajbmeb-294	319	19	co.	co.	PROPN
ajbmeb-294	319	20	,	,	PUNCT
ajbmeb-294	319	21	(	(	PUNCT
ajbmeb-294	319	22	1993	1993	NUM
ajbmeb-294	319	23	)	)	PUNCT
ajbmeb-294	319	24	.	.	PUNCT
ajbmeb-294	320	1	17	17	NUM
ajbmeb-294	320	2	.	.	PUNCT
ajbmeb-294	321	1	hilton	hilton	PROPN
ajbmeb-294	321	2	,	,	PUNCT
ajbmeb-294	321	3	r.w,2002	r.w,2002	PROPN
ajbmeb-294	321	4	,	,	PUNCT
ajbmeb-294	321	5	managerial	managerial	ADJ
ajbmeb-294	321	6	accounting	accounting	NOUN
ajbmeb-294	321	7	creating	create	VERB
ajbmeb-294	321	8	value	value	NOUN
ajbmeb-294	321	9	in	in	ADP
ajbmeb-294	321	10	a	a	DET
ajbmeb-294	321	11	dynamic	dynamic	ADJ
ajbmeb-294	321	12	business	business	NOUN
ajbmeb-294	321	13	enviroment,5th	enviroment,5th	PROPN
ajbmeb-294	321	14	ed	ed	NOUN
ajbmeb-294	321	15	,	,	PUNCT
ajbmeb-294	321	16	new	new	ADJ
ajbmeb-294	321	17	yark	yark	NOUN
ajbmeb-294	321	18	,	,	PUNCT
ajbmeb-294	321	19	mcgraw	mcgraw	PROPN
ajbmeb-294	321	20	-	-	PUNCT
ajbmeb-294	321	21	hill	hill	NOUN
ajbmeb-294	321	22	companies	company	NOUN
ajbmeb-294	321	23	,	,	PUNCT
ajbmeb-294	321	24	pp:670	pp:670	PROPN
ajbmeb-294	321	25	-	-	PUNCT
ajbmeb-294	321	26	671	671	NUM
ajbmeb-294	321	27	.	.	PUNCT
ajbmeb-294	322	1	18	18	NUM
ajbmeb-294	322	2	.	.	X
ajbmeb-294	322	3	horngren	horngren	PROPN
ajbmeb-294	322	4	،	،	PROPN
ajbmeb-294	322	5	et	et	PROPN
ajbmeb-294	322	6	al	al	PROPN
ajbmeb-294	322	7	,	,	PUNCT
ajbmeb-294	322	8	cost	cost	VERB
ajbmeb-294	322	9	accounting	accounting	NOUN
ajbmeb-294	322	10	:	:	PUNCT
ajbmeb-294	322	11	a	a	DET
ajbmeb-294	322	12	managerial	managerial	ADJ
ajbmeb-294	322	13	emphasis	emphasis	NOUN
ajbmeb-294	322	14	,	,	PUNCT
ajbmeb-294	322	15	th	th	X
ajbmeb-294	322	16	12	12	NUM
ajbmeb-294	322	17	ed	ed	NOUN
ajbmeb-294	322	18	،	،	X
ajbmeb-294	322	19	prentice	prentice	PROPN
ajbmeb-294	322	20	hall	hall	PROPN
ajbmeb-294	322	21	2006	2006	NUM
ajbmeb-294	322	22	,	,	PUNCT
ajbmeb-294	322	23	pp.680	pp.680	PROPN
ajbmeb-294	322	24	,	,	PUNCT
ajbmeb-294	322	25	pp425	pp425	PROPN
ajbmeb-294	322	26	.	.	PROPN
ajbmeb-294	322	27	19	19	NUM
ajbmeb-294	322	28	.	.	PUNCT
ajbmeb-294	323	1	khalil	khalil	PROPN
ajbmeb-294	323	2	,	,	PUNCT
ajbmeb-294	323	3	saadeh	saadeh	PROPN
ajbmeb-294	323	4	,	,	PUNCT
ajbmeb-294	323	5	“	"	PUNCT
ajbmeb-294	323	6	the	the	DET
ajbmeb-294	323	7	science	science	NOUN
ajbmeb-294	323	8	of	of	ADP
ajbmeb-294	323	9	creativity	creativity	NOUN
ajbmeb-294	323	10	,	,	PUNCT
ajbmeb-294	323	11	the	the	DET
ajbmeb-294	323	12	science	science	NOUN
ajbmeb-294	323	13	of	of	ADP
ajbmeb-294	323	14	the	the	DET
ajbmeb-294	323	15	twenty	twenty	NUM
ajbmeb-294	323	16	-	-	PUNCT
ajbmeb-294	323	17	first	first	ADJ
ajbmeb-294	323	18	century	century	NOUN
ajbmeb-294	323	19	,	,	PUNCT
ajbmeb-294	323	20	”	"	PUNCT
ajbmeb-294	323	21	the	the	DET
ajbmeb-294	323	22	civilian	civilian	ADJ
ajbmeb-294	323	23	dialogue	dialogue	PROPN
ajbmeb-294	323	24	magazine	magazine	NOUN
ajbmeb-294	323	25	,	,	PUNCT
ajbmeb-294	323	26	issue	issue	NOUN
ajbmeb-294	323	27	1272	1272	NUM
ajbmeb-294	323	28	,	,	PUNCT
ajbmeb-294	323	29	june	june	PROPN
ajbmeb-294	323	30	,	,	PUNCT
ajbmeb-294	323	31	riyadh	riyadh	PROPN
ajbmeb-294	323	32	,	,	PUNCT
ajbmeb-294	323	33	saudi	saudi	PROPN
ajbmeb-294	323	34	arabia	arabia	PROPN
ajbmeb-294	323	35	,	,	PUNCT
ajbmeb-294	323	36	(	(	PUNCT
ajbmeb-294	323	37	2005	2005	NUM
ajbmeb-294	323	38	)	)	PUNCT
ajbmeb-294	323	39	.	.	PUNCT
ajbmeb-294	324	1	20	20	NUM
ajbmeb-294	324	2	.	.	X
ajbmeb-294	325	1	krajewski	krajewski	PROPN
ajbmeb-294	325	2	,	,	PUNCT
ajbmeb-294	325	3	lee	lee	PROPN
ajbmeb-294	325	4	j.	j.	PROPN
ajbmeb-294	325	5	&	&	CCONJ
ajbmeb-294	325	6	ritzman	ritzman	PROPN
ajbmeb-294	325	7	,	,	PUNCT
ajbmeb-294	325	8	larry	larry	PROPN
ajbmeb-294	325	9	p.	p.	PROPN
ajbmeb-294	325	10	"	"	PUNCT
ajbmeb-294	325	11	operations	operation	NOUN
ajbmeb-294	325	12	management	management	NOUN
ajbmeb-294	325	13	strategy	strategy	NOUN
ajbmeb-294	325	14	&	&	CCONJ
ajbmeb-294	325	15	analysis	analysis	NOUN
ajbmeb-294	325	16	"	"	PUNCT
ajbmeb-294	325	17	3rd	3rd	NOUN
ajbmeb-294	325	18	.	.	PUNCT
ajbmeb-294	326	1	ed	ed	NOUN
ajbmeb-294	326	2	.	.	PUNCT
ajbmeb-294	327	1	new	new	PROPN
ajbmeb-294	327	2	york	york	PROPN
ajbmeb-294	327	3	:	:	PUNCT
ajbmeb-294	327	4	addisonwesley	addisonwesley	PROPN
ajbmeb-294	327	5	publishing	publishing	PROPN
ajbmeb-294	327	6	co.	co.	PROPN
ajbmeb-294	327	7	(	(	PUNCT
ajbmeb-294	327	8	1999	1999	NUM
ajbmeb-294	327	9	)	)	PUNCT
ajbmeb-294	327	10	.	.	PUNCT
ajbmeb-294	328	1	21	21	NUM
ajbmeb-294	328	2	.	.	X
ajbmeb-294	328	3	kuuml	kuuml	PROPN
ajbmeb-294	328	4	,	,	PUNCT
ajbmeb-294	328	5	a.	a.	NOUN
ajbmeb-294	328	6	(	(	PUNCT
ajbmeb-294	328	7	2011	2011	NUM
ajbmeb-294	328	8	)	)	PUNCT
ajbmeb-294	328	9	.	.	PUNCT
ajbmeb-294	329	1	the	the	DET
ajbmeb-294	329	2	value	value	NOUN
ajbmeb-294	329	3	of	of	ADP
ajbmeb-294	329	4	environmental	environmental	ADJ
ajbmeb-294	329	5	management	management	NOUN
ajbmeb-294	329	6	and	and	CCONJ
ajbmeb-294	329	7	green	green	ADJ
ajbmeb-294	329	8	product	product	NOUN
ajbmeb-294	329	9	design	design	NOUN
ajbmeb-294	329	10	within	within	ADP
ajbmeb-294	329	11	sustainable	sustainable	ADJ
ajbmeb-294	329	12	development	development	NOUN
ajbmeb-294	329	13	and	and	CCONJ
ajbmeb-294	329	14	competitive	competitive	ADJ
ajbmeb-294	329	15	strategies	strategy	NOUN
ajbmeb-294	329	16	of	of	ADP
ajbmeb-294	329	17	the	the	DET
ajbmeb-294	329	18	companies	company	NOUN
ajbmeb-294	329	19	:	:	PUNCT
ajbmeb-294	329	20	an	an	DET
ajbmeb-294	329	21	examination	examination	NOUN
ajbmeb-294	329	22	of	of	ADP
ajbmeb-294	329	23	the	the	DET
ajbmeb-294	329	24	energy	energy	NOUN
ajbmeb-294	329	25	industry	industry	NOUN
ajbmeb-294	329	26	.	.	PUNCT
ajbmeb-294	330	1	african	african	ADJ
ajbmeb-294	330	2	journal	journal	PROPN
ajbmeb-294	330	3	of	of	ADP
ajbmeb-294	330	4	agricultural	agricultural	ADJ
ajbmeb-294	330	5	research	research	NOUN
ajbmeb-294	330	6	,	,	PUNCT
ajbmeb-294	330	7	6(1	6(1	NUM
ajbmeb-294	330	8	)	)	PUNCT
ajbmeb-294	330	9	,	,	PUNCT
ajbmeb-294	330	10	52	52	NUM
ajbmeb-294	330	11	.	.	NOUN
ajbmeb-294	331	1	22	22	NUM
ajbmeb-294	331	2	.	.	PUNCT
ajbmeb-294	331	3	m.	m.	NOUN
ajbmeb-294	331	4	porter	porter	PROPN
ajbmeb-294	331	5	,	,	PUNCT
ajbmeb-294	331	6	l’avantage	l’avantage	NOUN
ajbmeb-294	331	7	concurrently	concurrently	ADV
ajbmeb-294	331	8	des	de	NOUN
ajbmeb-294	331	9	nations	nation	NOUN
ajbmeb-294	331	10	.	.	PUNCT
ajbmeb-294	332	1	inter	inter	NOUN
ajbmeb-294	332	2	-	-	NOUN
ajbmeb-294	332	3	editions	edition	NOUN
ajbmeb-294	332	4	,	,	PUNCT
ajbmeb-294	332	5	1993	1993	NUM
ajbmeb-294	332	6	,	,	PUNCT
ajbmeb-294	332	7	p48	p48	NOUN
ajbmeb-294	332	8	.	.	PUNCT
ajbmeb-294	333	1	23	23	NUM
ajbmeb-294	333	2	.	.	PUNCT
ajbmeb-294	334	1	macdonald	macdonald	PROPN
ajbmeb-294	334	2	scottott	scottott	PROPN
ajbmeb-294	334	3	s.	s.	PROPN
ajbmeb-294	334	4	and	and	CCONJ
ajbmeb-294	334	5	koch	koch	PROPN
ajbmeb-294	334	6	,	,	PUNCT
ajbmeb-294	334	7	timothy	timothy	PROPN
ajbmeb-294	334	8	w.	w.	PROPN
ajbmeb-294	334	9	,	,	PUNCT
ajbmeb-294	334	10	management	management	NOUN
ajbmeb-294	334	11	of	of	ADP
ajbmeb-294	334	12	banking	banking	NOUN
ajbmeb-294	334	13	,	,	PUNCT
ajbmeb-294	334	14	6th	6th	ADJ
ajbmeb-294	334	15	edition	edition	NOUN
ajbmeb-294	334	16	.	.	PUNCT
ajbmeb-294	335	1	thomson	thomson	PROPN
ajbmeb-294	335	2	,	,	PUNCT
ajbmeb-294	335	3	2006	2006	NUM
ajbmeb-294	335	4	.	.	PUNCT
ajbmeb-294	336	1	24	24	NUM
ajbmeb-294	336	2	.	.	PUNCT
ajbmeb-294	336	3	macmillan	macmillan	PROPN
ajbmeb-294	336	4	hugh	hugh	PROPN
ajbmeb-294	336	5	&	&	CCONJ
ajbmeb-294	336	6	tamoe	tamoe	PROPN
ajbmeb-294	336	7	,	,	PUNCT
ajbmeb-294	336	8	mahen	mahen	NOUN
ajbmeb-294	336	9	,	,	PUNCT
ajbmeb-294	336	10	"	"	PUNCT
ajbmeb-294	336	11	strategic	strategic	ADJ
ajbmeb-294	336	12	management	management	NOUN
ajbmeb-294	336	13	"	"	PUNCT
ajbmeb-294	336	14	,	,	PUNCT
ajbmeb-294	336	15	process	process	NOUN
ajbmeb-294	336	16	,	,	PUNCT
ajbmeb-294	336	17	content	content	NOUN
ajbmeb-294	336	18	,	,	PUNCT
ajbmeb-294	336	19	and	and	CCONJ
ajbmeb-294	336	20	implementation	implementation	NOUN
ajbmeb-294	336	21	,	,	PUNCT
ajbmeb-294	336	22	oxford	oxford	PROPN
ajbmeb-294	336	23	university	university	PROPN
ajbmeb-294	336	24	press	press	NOUN
ajbmeb-294	336	25	.	.	PUNCT
ajbmeb-294	336	26	,	,	PUNCT
ajbmeb-294	336	27	inc	inc	PROPN
ajbmeb-294	336	28	.	.	PROPN
ajbmeb-294	336	29	,	,	PUNCT
ajbmeb-294	336	30	2000	2000	NUM
ajbmeb-294	336	31	.	.	PUNCT
ajbmeb-294	337	1	american	american	ADJ
ajbmeb-294	337	2	journal	journal	PROPN
ajbmeb-294	337	3	of	of	ADP
ajbmeb-294	337	4	business	business	NOUN
ajbmeb-294	337	5	management	management	NOUN
ajbmeb-294	337	6	,	,	PUNCT
ajbmeb-294	337	7	economics	economic	NOUN
ajbmeb-294	337	8	and	and	CCONJ
ajbmeb-294	337	9	banking	banking	NOUN
ajbmeb-294	337	10	volume	volume	NOUN
ajbmeb-294	337	11	8	8	NUM
ajbmeb-294	337	12	,	,	PUNCT
ajbmeb-294	337	13	jan	jan	PROPN
ajbmeb-294	337	14	.	.	PROPN
ajbmeb-294	337	15	,	,	PUNCT
ajbmeb-294	337	16	2023	2023	NUM
ajbmeb-294	337	17	p	p	NOUN
ajbmeb-294	337	18	a	a	DET
ajbmeb-294	337	19	g	g	NOUN
ajbmeb-294	337	20	e	e	NOUN
ajbmeb-294	337	21	|	|	ADV
ajbmeb-294	337	22	41	41	NUM
ajbmeb-294	337	23	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-294	337	24	25	25	NUM
ajbmeb-294	337	25	.	.	PUNCT
ajbmeb-294	338	1	mohsen	mohsen	PROPN
ajbmeb-294	338	2	,	,	PUNCT
ajbmeb-294	338	3	abd	abd	PROPN
ajbmeb-294	338	4	al	al	PROPN
ajbmeb-294	338	5	-	-	PUNCT
ajbmeb-294	338	6	karim	karim	PROPN
ajbmeb-294	338	7	and	and	CCONJ
ajbmeb-294	338	8	al	al	PROPN
ajbmeb-294	338	9	-	-	PUNCT
ajbmeb-294	338	10	najjar	najjar	PROPN
ajbmeb-294	338	11	,	,	PUNCT
ajbmeb-294	338	12	sabah	sabah	PROPN
ajbmeb-294	338	13	majeed	majeed	PROPN
ajbmeb-294	338	14	,	,	PUNCT
ajbmeb-294	338	15	“	"	PUNCT
ajbmeb-294	338	16	production	production	NOUN
ajbmeb-294	338	17	and	and	CCONJ
ajbmeb-294	338	18	operations	operation	NOUN
ajbmeb-294	338	19	management	management	NOUN
ajbmeb-294	338	20	”	"	PUNCT
ajbmeb-294	338	21	,	,	PUNCT
ajbmeb-294	338	22	first	first	ADJ
ajbmeb-294	338	23	edition	edition	NOUN
ajbmeb-294	338	24	,	,	PUNCT
ajbmeb-294	338	25	dar	dar	PROPN
ajbmeb-294	338	26	wael	wael	PROPN
ajbmeb-294	338	27	for	for	ADP
ajbmeb-294	338	28	printing	printing	NOUN
ajbmeb-294	338	29	and	and	CCONJ
ajbmeb-294	338	30	publishing	publishing	NOUN
ajbmeb-294	338	31	,	,	PUNCT
ajbmeb-294	338	32	amman	amman	PROPN
ajbmeb-294	338	33	,	,	PUNCT
ajbmeb-294	338	34	jordan	jordan	PROPN
ajbmeb-294	338	35	,	,	PUNCT
ajbmeb-294	338	36	(	(	PUNCT
ajbmeb-294	338	37	2004	2004	NUM
ajbmeb-294	338	38	)	)	PUNCT
ajbmeb-294	338	39	.	.	PUNCT
ajbmeb-294	339	1	26	26	NUM
ajbmeb-294	339	2	.	.	X
ajbmeb-294	339	3	mualla	mualla	PROPN
ajbmeb-294	339	4	,	,	PUNCT
ajbmeb-294	339	5	naji	naji	PROPN
ajbmeb-294	339	6	,	,	PUNCT
ajbmeb-294	339	7	the	the	DET
ajbmeb-294	339	8	fundamentals	fundamental	NOUN
ajbmeb-294	339	9	of	of	ADP
ajbmeb-294	339	10	banking	banking	NOUN
ajbmeb-294	339	11	marketing	marketing	NOUN
ajbmeb-294	339	12	,	,	PUNCT
ajbmeb-294	339	13	institute	institute	NOUN
ajbmeb-294	339	14	of	of	ADP
ajbmeb-294	339	15	banking	banking	NOUN
ajbmeb-294	339	16	studies	study	NOUN
ajbmeb-294	339	17	,	,	PUNCT
ajbmeb-294	339	18	amman	amman	PROPN
ajbmeb-294	339	19	,	,	PUNCT
ajbmeb-294	339	20	1994	1994	NUM
ajbmeb-294	339	21	.	.	PUNCT
ajbmeb-294	340	1	27	27	NUM
ajbmeb-294	340	2	.	.	PUNCT
ajbmeb-294	341	1	qandil	qandil	PROPN
ajbmeb-294	341	2	,	,	PUNCT
ajbmeb-294	341	3	alaa	alaa	PROPN
ajbmeb-294	341	4	.	.	PUNCT
ajbmeb-294	342	1	administrative	administrative	ADJ
ajbmeb-294	342	2	leadership	leadership	NOUN
ajbmeb-294	342	3	and	and	CCONJ
ajbmeb-294	342	4	innovation	innovation	NOUN
ajbmeb-294	342	5	management	management	NOUN
ajbmeb-294	342	6	,	,	PUNCT
ajbmeb-294	342	7	first	first	ADJ
ajbmeb-294	342	8	edition	edition	NOUN
ajbmeb-294	342	9	,	,	PUNCT
ajbmeb-294	342	10	amman	amman	PROPN
ajbmeb-294	342	11	,	,	PUNCT
ajbmeb-294	342	12	dar	dar	PROPN
ajbmeb-294	342	13	al	al	PROPN
ajbmeb-294	342	14	-	-	PROPN
ajbmeb-294	342	15	fikr	fikr	PROPN
ajbmeb-294	342	16	2010	2010	NUM
ajbmeb-294	342	17	.	.	PUNCT
ajbmeb-294	343	1	28	28	NUM
ajbmeb-294	343	2	.	.	PUNCT
ajbmeb-294	344	1	read	read	PROPN
ajbmeb-294	344	2	,	,	PUNCT
ajbmeb-294	344	3	r.	r.	PROPN
ajbmeb-294	344	4	&	&	CCONJ
ajbmeb-294	344	5	defellip	defellip	PROPN
ajbmeb-294	344	6	,	,	PUNCT
ajbmeb-294	344	7	r.j	r.j	PROPN
ajbmeb-294	344	8	.	.	PROPN
ajbmeb-294	344	9	;	;	PUNCT
ajbmeb-294	344	10	causal	causal	ADJ
ajbmeb-294	344	11	ambiguity	ambiguity	NOUN
ajbmeb-294	344	12	barriers	barrier	VERB
ajbmeb-294	344	13	to	to	ADP
ajbmeb-294	344	14	imitation	imitation	NOUN
ajbmeb-294	344	15	and	and	CCONJ
ajbmeb-294	344	16	sustainable	sustainable	ADJ
ajbmeb-294	344	17	competitive	competitive	ADJ
ajbmeb-294	344	18	advantage	advantage	NOUN
ajbmeb-294	344	19	,	,	PUNCT
ajbmeb-294	344	20	academy	academy	PROPN
ajbmeb-294	344	21	&	&	CCONJ
ajbmeb-294	344	22	management	management	PROPN
ajbmeb-294	344	23	review	review	PROPN
ajbmeb-294	344	24	vo,15	vo,15	NUM
ajbmeb-294	344	25	no	no	INTJ
ajbmeb-294	344	26	,	,	PUNCT
ajbmeb-294	344	27	(	(	PUNCT
ajbmeb-294	344	28	1990	1990	NUM
ajbmeb-294	344	29	)	)	PUNCT
ajbmeb-294	344	30	.	.	PUNCT
ajbmeb-294	345	1	29	29	NUM
ajbmeb-294	345	2	.	.	X
ajbmeb-294	346	1	thompson	thompson	PROPN
ajbmeb-294	346	2	,	,	PUNCT
ajbmeb-294	346	3	a.a	a.a	PROPN
ajbmeb-294	346	4	.	.	PROPN
ajbmeb-294	346	5	&	&	CCONJ
ajbmeb-294	346	6	strickland	strickland	PROPN
ajbmeb-294	346	7	a.j	a.j	PROPN
ajbmeb-294	346	8	"	"	PUNCT
ajbmeb-294	346	9	,	,	PUNCT
ajbmeb-294	346	10	strategic	strategic	ADJ
ajbmeb-294	346	11	management	management	NOUN
ajbmeb-294	346	12	concepts	concept	NOUN
ajbmeb-294	346	13	and	and	CCONJ
ajbmeb-294	346	14	cases	case	NOUN
ajbmeb-294	346	15	"	"	PUNCT
ajbmeb-294	346	16	,	,	PUNCT
ajbmeb-294	346	17	13th	13th	NOUN
ajbmeb-294	346	18	ed	ed	NOUN
ajbmeb-294	346	19	.	.	PROPN
ajbmeb-294	346	20	,	,	PUNCT
ajbmeb-294	346	21	m.c	m.c	PROPN
ajbmeb-294	346	22	.	.	PROPN
ajbmeb-294	346	23	grow	grow	PROPN
ajbmeb-294	346	24	-	-	PUNCT
ajbmeb-294	346	25	hill	hill	PROPN
ajbmeb-294	346	26	co.	co.	PROPN
ajbmeb-294	346	27	,	,	PUNCT
ajbmeb-294	346	28	(	(	PUNCT
ajbmeb-294	346	29	2003	2003	NUM
ajbmeb-294	346	30	)	)	PUNCT
ajbmeb-294	346	31	.	.	PUNCT