id	sid	tid	token	lemma	pos
ajbmeb-2990	1	1	american	american	PROPN
ajbmeb-2990	1	2	journal	journal	PROPN
ajbmeb-2990	1	3	of	of	ADP
ajbmeb-2990	1	4	business	business	NOUN
ajbmeb-2990	1	5	management	management	NOUN
ajbmeb-2990	1	6	,	,	PUNCT
ajbmeb-2990	1	7	economics	economic	NOUN
ajbmeb-2990	1	8	and	and	CCONJ
ajbmeb-2990	1	9	banking	banking	NOUN
ajbmeb-2990	1	10	issn	issn	PROPN
ajbmeb-2990	1	11	(	(	PUNCT
ajbmeb-2990	1	12	e	e	NOUN
ajbmeb-2990	1	13	):	):	PUNCT
ajbmeb-2990	1	14	2832	2832	NUM
ajbmeb-2990	1	15	-	-	SYM
ajbmeb-2990	1	16	8078	8078	NUM
ajbmeb-2990	1	17	volume	volume	NOUN
ajbmeb-2990	1	18	37	37	NUM
ajbmeb-2990	1	19	,	,	PUNCT
ajbmeb-2990	1	20	june	june	PROPN
ajbmeb-2990	1	21	2025	2025	NUM
ajbmeb-2990	1	22	p	p	NOUN
ajbmeb-2990	1	23	a	a	DET
ajbmeb-2990	1	24	g	g	NOUN
ajbmeb-2990	1	25	e	e	NOUN
ajbmeb-2990	1	26	|	|	ADV
ajbmeb-2990	1	27	48	48	NUM
ajbmeb-2990	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2990	1	29	the	the	DET
ajbmeb-2990	1	30	role	role	NOUN
ajbmeb-2990	1	31	of	of	ADP
ajbmeb-2990	1	32	payment	payment	NOUN
ajbmeb-2990	1	33	and	and	CCONJ
ajbmeb-2990	1	34	payment	payment	NOUN
ajbmeb-2990	1	35	flows	flow	NOUN
ajbmeb-2990	1	36	in	in	ADP
ajbmeb-2990	1	37	determining	determine	VERB
ajbmeb-2990	1	38	the	the	DET
ajbmeb-2990	1	39	nature	nature	NOUN
ajbmeb-2990	1	40	of	of	ADP
ajbmeb-2990	1	41	the	the	DET
ajbmeb-2990	1	42	payment	payment	NOUN
ajbmeb-2990	1	43	circuit	circuit	PROPN
ajbmeb-2990	1	44	sayfiddinov	sayfiddinov	PROPN
ajbmeb-2990	1	45	ilhom	ilhom	PROPN
ajbmeb-2990	1	46	fayziddinovich	fayziddinovich	PROPN
ajbmeb-2990	1	47	professor	professor	NOUN
ajbmeb-2990	1	48	of	of	ADP
ajbmeb-2990	1	49	tashkent	tashkent	PROPN
ajbmeb-2990	1	50	state	state	PROPN
ajbmeb-2990	1	51	university	university	PROPN
ajbmeb-2990	1	52	of	of	ADP
ajbmeb-2990	1	53	economics	economic	NOUN
ajbmeb-2990	1	54	e-mail:sayfidinovif@mail.ru	e-mail:sayfidinovif@mail.ru	VERB
ajbmeb-2990	1	55	a	a	DET
ajbmeb-2990	1	56	b	b	PROPN
ajbmeb-2990	1	57	s	s	ADP
ajbmeb-2990	1	58	t	t	PROPN
ajbmeb-2990	1	59	r	r	NOUN
ajbmeb-2990	1	60	a	a	DET
ajbmeb-2990	1	61	c	c	NOUN
ajbmeb-2990	1	62	t	t	NOUN
ajbmeb-2990	1	63	k	k	X
ajbmeb-2990	1	64	e	e	PROPN
ajbmeb-2990	1	65	y	y	PROPN
ajbmeb-2990	1	66	w	w	NOUN
ajbmeb-2990	1	67	o	o	NOUN
ajbmeb-2990	1	68	r	r	NOUN
ajbmeb-2990	1	69	d	d	X
ajbmeb-2990	1	70	s	s	VERB
ajbmeb-2990	1	71	this	this	DET
ajbmeb-2990	1	72	scientific	scientific	ADJ
ajbmeb-2990	1	73	article	article	NOUN
ajbmeb-2990	1	74	discusses	discuss	VERB
ajbmeb-2990	1	75	the	the	DET
ajbmeb-2990	1	76	scientific	scientific	ADJ
ajbmeb-2990	1	77	and	and	CCONJ
ajbmeb-2990	1	78	practical	practical	ADJ
ajbmeb-2990	1	79	aspects	aspect	NOUN
ajbmeb-2990	1	80	of	of	ADP
ajbmeb-2990	1	81	the	the	DET
ajbmeb-2990	1	82	nature	nature	NOUN
ajbmeb-2990	1	83	of	of	ADP
ajbmeb-2990	1	84	payment	payment	NOUN
ajbmeb-2990	1	85	circulation	circulation	NOUN
ajbmeb-2990	1	86	,	,	PUNCT
ajbmeb-2990	1	87	the	the	DET
ajbmeb-2990	1	88	problems	problem	NOUN
ajbmeb-2990	1	89	related	relate	VERB
ajbmeb-2990	1	90	to	to	ADP
ajbmeb-2990	1	91	it	it	PRON
ajbmeb-2990	1	92	and	and	CCONJ
ajbmeb-2990	1	93	ways	way	NOUN
ajbmeb-2990	1	94	to	to	PART
ajbmeb-2990	1	95	solve	solve	VERB
ajbmeb-2990	1	96	them	they	PRON
ajbmeb-2990	1	97	.	.	PUNCT
ajbmeb-2990	2	1	it	it	PRON
ajbmeb-2990	2	2	is	be	AUX
ajbmeb-2990	2	3	clearly	clearly	ADV
ajbmeb-2990	2	4	stated	state	VERB
ajbmeb-2990	2	5	that	that	SCONJ
ajbmeb-2990	2	6	determining	determine	VERB
ajbmeb-2990	2	7	the	the	DET
ajbmeb-2990	2	8	nature	nature	NOUN
ajbmeb-2990	2	9	of	of	ADP
ajbmeb-2990	2	10	the	the	DET
ajbmeb-2990	2	11	payment	payment	NOUN
ajbmeb-2990	2	12	circulation	circulation	NOUN
ajbmeb-2990	2	13	requires	require	VERB
ajbmeb-2990	2	14	determining	determine	VERB
ajbmeb-2990	2	15	the	the	DET
ajbmeb-2990	2	16	nature	nature	NOUN
ajbmeb-2990	2	17	of	of	ADP
ajbmeb-2990	2	18	the	the	DET
ajbmeb-2990	2	19	payment	payment	NOUN
ajbmeb-2990	2	20	,	,	PUNCT
ajbmeb-2990	2	21	and	and	CCONJ
ajbmeb-2990	2	22	the	the	DET
ajbmeb-2990	2	23	possibility	possibility	NOUN
ajbmeb-2990	2	24	of	of	ADP
ajbmeb-2990	2	25	determining	determine	VERB
ajbmeb-2990	2	26	the	the	DET
ajbmeb-2990	2	27	nature	nature	NOUN
ajbmeb-2990	2	28	of	of	ADP
ajbmeb-2990	2	29	the	the	DET
ajbmeb-2990	2	30	"	"	PUNCT
ajbmeb-2990	2	31	payment	payment	NOUN
ajbmeb-2990	2	32	circulation	circulation	NOUN
ajbmeb-2990	2	33	"	"	PUNCT
ajbmeb-2990	2	34	without	without	ADP
ajbmeb-2990	2	35	determining	determine	VERB
ajbmeb-2990	2	36	the	the	DET
ajbmeb-2990	2	37	nature	nature	NOUN
ajbmeb-2990	2	38	of	of	ADP
ajbmeb-2990	2	39	the	the	DET
ajbmeb-2990	2	40	"	"	PUNCT
ajbmeb-2990	2	41	payment	payment	NOUN
ajbmeb-2990	2	42	"	"	PUNCT
ajbmeb-2990	2	43	.	.	PUNCT
ajbmeb-2990	3	1	payment	payment	NOUN
ajbmeb-2990	3	2	,	,	PUNCT
ajbmeb-2990	3	3	payment	payment	NOUN
ajbmeb-2990	3	4	turnover	turnover	NOUN
ajbmeb-2990	3	5	,	,	PUNCT
ajbmeb-2990	3	6	insolvency	insolvency	NOUN
ajbmeb-2990	3	7	,	,	PUNCT
ajbmeb-2990	3	8	payment	payment	NOUN
ajbmeb-2990	3	9	discipline	discipline	NOUN
ajbmeb-2990	3	10	,	,	PUNCT
ajbmeb-2990	3	11	macroeconomic	macroeconomic	ADJ
ajbmeb-2990	3	12	stability	stability	NOUN
ajbmeb-2990	3	13	,	,	PUNCT
ajbmeb-2990	3	14	monetization	monetization	NOUN
ajbmeb-2990	3	15	coefficient	coefficient	NOUN
ajbmeb-2990	3	16	,	,	PUNCT
ajbmeb-2990	3	17	gdp	gdp	NOUN
ajbmeb-2990	3	18	(	(	PUNCT
ajbmeb-2990	3	19	gross	gross	ADJ
ajbmeb-2990	3	20	domestic	domestic	ADJ
ajbmeb-2990	3	21	product	product	NOUN
ajbmeb-2990	3	22	)	)	PUNCT
ajbmeb-2990	3	23	,	,	PUNCT
ajbmeb-2990	3	24	money	money	NOUN
ajbmeb-2990	3	25	supply	supply	NOUN
ajbmeb-2990	3	26	,	,	PUNCT
ajbmeb-2990	3	27	money	money	NOUN
ajbmeb-2990	3	28	aggregate	aggregate	NOUN
ajbmeb-2990	3	29	(	(	PUNCT
ajbmeb-2990	3	30	m2	m2	PROPN
ajbmeb-2990	3	31	)	)	PUNCT
ajbmeb-2990	3	32	,	,	PUNCT
ajbmeb-2990	3	33	cash	cash	NOUN
ajbmeb-2990	3	34	flow	flow	NOUN
ajbmeb-2990	3	35	,	,	PUNCT
ajbmeb-2990	3	36	investment	investment	NOUN
ajbmeb-2990	3	37	,	,	PUNCT
ajbmeb-2990	3	38	commercial	commercial	ADJ
ajbmeb-2990	3	39	bank	bank	NOUN
ajbmeb-2990	3	40	,	,	PUNCT
ajbmeb-2990	3	41	loan	loan	NOUN
ajbmeb-2990	3	42	interest	interest	NOUN
ajbmeb-2990	3	43	,	,	PUNCT
ajbmeb-2990	3	44	accounts	account	VERB
ajbmeb-2990	3	45	receivable	receivable	ADJ
ajbmeb-2990	3	46	,	,	PUNCT
ajbmeb-2990	3	47	accounts	account	VERB
ajbmeb-2990	3	48	payable	payable	ADJ
ajbmeb-2990	3	49	.	.	PUNCT
ajbmeb-2990	4	1	introduction	introduction	NOUN
ajbmeb-2990	4	2	in	in	ADP
ajbmeb-2990	4	3	our	our	PRON
ajbmeb-2990	4	4	opinion	opinion	NOUN
ajbmeb-2990	4	5	,	,	PUNCT
ajbmeb-2990	4	6	it	it	PRON
ajbmeb-2990	4	7	makes	make	VERB
ajbmeb-2990	4	8	no	no	DET
ajbmeb-2990	4	9	sense	sense	NOUN
ajbmeb-2990	4	10	to	to	PART
ajbmeb-2990	4	11	talk	talk	VERB
ajbmeb-2990	4	12	about	about	ADP
ajbmeb-2990	4	13	the	the	DET
ajbmeb-2990	4	14	problems	problem	NOUN
ajbmeb-2990	4	15	related	relate	VERB
ajbmeb-2990	4	16	to	to	ADP
ajbmeb-2990	4	17	it	it	PRON
ajbmeb-2990	4	18	and	and	CCONJ
ajbmeb-2990	4	19	ways	way	NOUN
ajbmeb-2990	4	20	to	to	PART
ajbmeb-2990	4	21	solve	solve	VERB
ajbmeb-2990	4	22	them	they	PRON
ajbmeb-2990	4	23	without	without	ADP
ajbmeb-2990	4	24	having	have	VERB
ajbmeb-2990	4	25	a	a	DET
ajbmeb-2990	4	26	clear	clear	ADJ
ajbmeb-2990	4	27	,	,	PUNCT
ajbmeb-2990	4	28	scientifically	scientifically	ADV
ajbmeb-2990	4	29	and	and	CCONJ
ajbmeb-2990	4	30	practically	practically	ADV
ajbmeb-2990	4	31	based	base	VERB
ajbmeb-2990	4	32	position	position	NOUN
ajbmeb-2990	4	33	on	on	ADP
ajbmeb-2990	4	34	the	the	DET
ajbmeb-2990	4	35	essence	essence	NOUN
ajbmeb-2990	4	36	of	of	ADP
ajbmeb-2990	4	37	payment	payment	NOUN
ajbmeb-2990	4	38	circulation	circulation	NOUN
ajbmeb-2990	4	39	.	.	PUNCT
ajbmeb-2990	5	1	in	in	ADP
ajbmeb-2990	5	2	this	this	DET
ajbmeb-2990	5	3	regard	regard	NOUN
ajbmeb-2990	5	4	,	,	PUNCT
ajbmeb-2990	5	5	first	first	ADV
ajbmeb-2990	5	6	of	of	ADP
ajbmeb-2990	5	7	all	all	PRON
ajbmeb-2990	5	8	,	,	PUNCT
ajbmeb-2990	5	9	it	it	PRON
ajbmeb-2990	5	10	should	should	AUX
ajbmeb-2990	5	11	be	be	AUX
ajbmeb-2990	5	12	noted	note	VERB
ajbmeb-2990	5	13	that	that	SCONJ
ajbmeb-2990	5	14	the	the	DET
ajbmeb-2990	5	15	essence	essence	NOUN
ajbmeb-2990	5	16	of	of	ADP
ajbmeb-2990	5	17	the	the	DET
ajbmeb-2990	5	18	payment	payment	NOUN
ajbmeb-2990	5	19	circulation	circulation	NOUN
ajbmeb-2990	5	20	has	have	VERB
ajbmeb-2990	5	21	a	a	DET
ajbmeb-2990	5	22	bilateral	bilateral	ADJ
ajbmeb-2990	5	23	nature	nature	NOUN
ajbmeb-2990	5	24	,	,	PUNCT
ajbmeb-2990	5	25	and	and	CCONJ
ajbmeb-2990	5	26	it	it	PRON
ajbmeb-2990	5	27	consists	consist	VERB
ajbmeb-2990	5	28	of	of	ADP
ajbmeb-2990	5	29	the	the	DET
ajbmeb-2990	5	30	logical	logical	ADJ
ajbmeb-2990	5	31	combination	combination	NOUN
ajbmeb-2990	5	32	of	of	ADP
ajbmeb-2990	5	33	two	two	NUM
ajbmeb-2990	5	34	essences	essence	NOUN
ajbmeb-2990	5	35	that	that	PRON
ajbmeb-2990	5	36	are	be	AUX
ajbmeb-2990	5	37	relatively	relatively	ADV
ajbmeb-2990	5	38	independent	independent	ADJ
ajbmeb-2990	5	39	from	from	ADP
ajbmeb-2990	5	40	each	each	DET
ajbmeb-2990	5	41	other	other	ADJ
ajbmeb-2990	5	42	.	.	PUNCT
ajbmeb-2990	6	1	the	the	DET
ajbmeb-2990	6	2	point	point	NOUN
ajbmeb-2990	6	3	here	here	ADV
ajbmeb-2990	6	4	is	be	AUX
ajbmeb-2990	6	5	that	that	SCONJ
ajbmeb-2990	6	6	"	"	PUNCT
ajbmeb-2990	6	7	payment	payment	NOUN
ajbmeb-2990	6	8	"	"	PUNCT
ajbmeb-2990	6	9	and	and	CCONJ
ajbmeb-2990	6	10	"	"	PUNCT
ajbmeb-2990	6	11	circulation	circulation	NOUN
ajbmeb-2990	6	12	"	"	PUNCT
ajbmeb-2990	6	13	are	be	AUX
ajbmeb-2990	6	14	relative	relative	ADJ
ajbmeb-2990	6	15	,	,	PUNCT
ajbmeb-2990	6	16	but	but	CCONJ
ajbmeb-2990	6	17	have	have	VERB
ajbmeb-2990	6	18	an	an	DET
ajbmeb-2990	6	19	independent	independent	ADJ
ajbmeb-2990	6	20	essence.based	essence.base	VERB
ajbmeb-2990	6	21	on	on	ADP
ajbmeb-2990	6	22	this	this	PRON
ajbmeb-2990	6	23	,	,	PUNCT
ajbmeb-2990	6	24	it	it	PRON
ajbmeb-2990	6	25	is	be	AUX
ajbmeb-2990	6	26	reasonable	reasonable	ADJ
ajbmeb-2990	6	27	to	to	PART
ajbmeb-2990	6	28	say	say	VERB
ajbmeb-2990	6	29	that	that	SCONJ
ajbmeb-2990	6	30	determining	determine	VERB
ajbmeb-2990	6	31	the	the	DET
ajbmeb-2990	6	32	nature	nature	NOUN
ajbmeb-2990	6	33	of	of	ADP
ajbmeb-2990	6	34	the	the	DET
ajbmeb-2990	6	35	payment	payment	NOUN
ajbmeb-2990	6	36	circulation	circulation	NOUN
ajbmeb-2990	6	37	should	should	AUX
ajbmeb-2990	6	38	begin	begin	VERB
ajbmeb-2990	6	39	with	with	ADP
ajbmeb-2990	6	40	determining	determine	VERB
ajbmeb-2990	6	41	the	the	DET
ajbmeb-2990	6	42	nature	nature	NOUN
ajbmeb-2990	6	43	of	of	ADP
ajbmeb-2990	6	44	the	the	DET
ajbmeb-2990	6	45	payment	payment	NOUN
ajbmeb-2990	6	46	.	.	PUNCT
ajbmeb-2990	7	1	in	in	ADP
ajbmeb-2990	7	2	other	other	ADJ
ajbmeb-2990	7	3	words	word	NOUN
ajbmeb-2990	7	4	,	,	PUNCT
ajbmeb-2990	7	5	it	it	PRON
ajbmeb-2990	7	6	is	be	AUX
ajbmeb-2990	7	7	impossible	impossible	ADJ
ajbmeb-2990	7	8	to	to	PART
ajbmeb-2990	7	9	determine	determine	VERB
ajbmeb-2990	7	10	the	the	DET
ajbmeb-2990	7	11	nature	nature	NOUN
ajbmeb-2990	7	12	of	of	ADP
ajbmeb-2990	7	13	"	"	PUNCT
ajbmeb-2990	7	14	payment	payment	NOUN
ajbmeb-2990	7	15	circulation	circulation	NOUN
ajbmeb-2990	7	16	"	"	PUNCT
ajbmeb-2990	7	17	without	without	ADP
ajbmeb-2990	7	18	determining	determine	VERB
ajbmeb-2990	7	19	the	the	DET
ajbmeb-2990	7	20	nature	nature	NOUN
ajbmeb-2990	7	21	of	of	ADP
ajbmeb-2990	7	22	"	"	PUNCT
ajbmeb-2990	7	23	payment	payment	NOUN
ajbmeb-2990	7	24	"	"	PUNCT
ajbmeb-2990	7	25	.	.	PUNCT
ajbmeb-2990	8	1	in	in	ADP
ajbmeb-2990	8	2	ancient	ancient	ADJ
ajbmeb-2990	8	3	practice	practice	NOUN
ajbmeb-2990	8	4	,	,	PUNCT
ajbmeb-2990	8	5	the	the	DET
ajbmeb-2990	8	6	word	word	NOUN
ajbmeb-2990	8	7	"	"	PUNCT
ajbmeb-2990	8	8	payment	payment	NOUN
ajbmeb-2990	8	9	"	"	PUNCT
ajbmeb-2990	8	10	usually	usually	ADV
ajbmeb-2990	8	11	means	mean	VERB
ajbmeb-2990	8	12	the	the	DET
ajbmeb-2990	8	13	payment	payment	NOUN
ajbmeb-2990	8	14	of	of	ADP
ajbmeb-2990	8	15	money	money	NOUN
ajbmeb-2990	8	16	according	accord	VERB
ajbmeb-2990	8	17	to	to	ADP
ajbmeb-2990	8	18	some	some	DET
ajbmeb-2990	8	19	obligation	obligation	NOUN
ajbmeb-2990	8	20	.	.	PUNCT
ajbmeb-2990	9	1	from	from	ADP
ajbmeb-2990	9	2	the	the	DET
ajbmeb-2990	9	3	point	point	NOUN
ajbmeb-2990	9	4	of	of	ADP
ajbmeb-2990	9	5	view	view	NOUN
ajbmeb-2990	9	6	of	of	ADP
ajbmeb-2990	9	7	modern	modern	ADJ
ajbmeb-2990	9	8	interpretation	interpretation	NOUN
ajbmeb-2990	9	9	,	,	PUNCT
ajbmeb-2990	9	10	money	money	NOUN
ajbmeb-2990	9	11	in	in	ADP
ajbmeb-2990	9	12	the	the	DET
ajbmeb-2990	9	13	form	form	NOUN
ajbmeb-2990	9	14	of	of	ADP
ajbmeb-2990	9	15	payments	payment	NOUN
ajbmeb-2990	9	16	in	in	ADP
ajbmeb-2990	9	17	the	the	DET
ajbmeb-2990	9	18	form	form	NOUN
ajbmeb-2990	9	19	of	of	ADP
ajbmeb-2990	9	20	payments	payment	NOUN
ajbmeb-2990	9	21	for	for	ADP
ajbmeb-2990	9	22	obligations	obligation	NOUN
ajbmeb-2990	9	23	,	,	PUNCT
ajbmeb-2990	9	24	in	in	ADP
ajbmeb-2990	9	25	the	the	DET
ajbmeb-2990	9	26	form	form	NOUN
ajbmeb-2990	9	27	of	of	ADP
ajbmeb-2990	9	28	legally	legally	ADV
ajbmeb-2990	9	29	established	establish	VERB
ajbmeb-2990	9	30	contributions	contribution	NOUN
ajbmeb-2990	9	31	for	for	ADP
ajbmeb-2990	9	32	purchased	purchase	VERB
ajbmeb-2990	9	33	goods	good	NOUN
ajbmeb-2990	9	34	,	,	PUNCT
ajbmeb-2990	9	35	used	use	VERB
ajbmeb-2990	9	36	resources	resource	NOUN
ajbmeb-2990	9	37	,	,	PUNCT
ajbmeb-2990	9	38	provided	provide	VERB
ajbmeb-2990	9	39	credit	credit	NOUN
ajbmeb-2990	9	40	,	,	PUNCT
ajbmeb-2990	9	41	etc	etc	X
ajbmeb-2990	9	42	.	.	X
ajbmeb-2990	9	43	however	however	ADV
ajbmeb-2990	9	44	,	,	PUNCT
ajbmeb-2990	9	45	it	it	PRON
ajbmeb-2990	9	46	should	should	AUX
ajbmeb-2990	9	47	be	be	AUX
ajbmeb-2990	9	48	noted	note	VERB
ajbmeb-2990	9	49	here	here	ADV
ajbmeb-2990	9	50	that	that	SCONJ
ajbmeb-2990	9	51	in	in	ADP
ajbmeb-2990	9	52	both	both	PRON
ajbmeb-2990	9	53	of	of	ADP
ajbmeb-2990	9	54	the	the	DET
ajbmeb-2990	9	55	abovementioned	abovementioned	ADJ
ajbmeb-2990	9	56	opinions	opinion	NOUN
ajbmeb-2990	9	57	(	(	PUNCT
ajbmeb-2990	9	58	definitions	definition	NOUN
ajbmeb-2990	9	59	)	)	PUNCT
ajbmeb-2990	9	60	regarding	regard	VERB
ajbmeb-2990	9	61	the	the	DET
ajbmeb-2990	9	62	payment	payment	NOUN
ajbmeb-2990	9	63	,	,	PUNCT
ajbmeb-2990	9	64	in	in	ADP
ajbmeb-2990	9	65	our	our	PRON
ajbmeb-2990	9	66	opinion	opinion	NOUN
ajbmeb-2990	9	67	,	,	PUNCT
ajbmeb-2990	9	68	the	the	DET
ajbmeb-2990	9	69	external	external	ADJ
ajbmeb-2990	9	70	manifestation	manifestation	NOUN
ajbmeb-2990	9	71	of	of	ADP
ajbmeb-2990	9	72	the	the	DET
ajbmeb-2990	9	73	payment	payment	NOUN
ajbmeb-2990	9	74	is	be	AUX
ajbmeb-2990	9	75	reflected.the	reflected.the	DET
ajbmeb-2990	9	76	reflection	reflection	NOUN
ajbmeb-2990	9	77	of	of	ADP
ajbmeb-2990	9	78	deep	deep	ADJ
ajbmeb-2990	9	79	economic	economic	ADJ
ajbmeb-2990	9	80	relations	relation	NOUN
ajbmeb-2990	9	81	inherent	inherent	ADJ
ajbmeb-2990	9	82	in	in	ADP
ajbmeb-2990	9	83	payment	payment	NOUN
ajbmeb-2990	9	84	,	,	PUNCT
ajbmeb-2990	9	85	its	its	PRON
ajbmeb-2990	9	86	connections	connection	NOUN
ajbmeb-2990	9	87	and	and	CCONJ
ajbmeb-2990	9	88	characteristics	characteristic	NOUN
ajbmeb-2990	9	89	are	be	AUX
ajbmeb-2990	9	90	beyond	beyond	ADP
ajbmeb-2990	9	91	the	the	DET
ajbmeb-2990	9	92	scope	scope	NOUN
ajbmeb-2990	9	93	of	of	ADP
ajbmeb-2990	9	94	the	the	DET
ajbmeb-2990	9	95	above	above	ADJ
ajbmeb-2990	9	96	definitions	definition	NOUN
ajbmeb-2990	9	97	.	.	PUNCT
ajbmeb-2990	10	1	at	at	ADP
ajbmeb-2990	10	2	the	the	DET
ajbmeb-2990	10	3	same	same	ADJ
ajbmeb-2990	10	4	time	time	NOUN
ajbmeb-2990	10	5	,	,	PUNCT
ajbmeb-2990	10	6	with	with	ADP
ajbmeb-2990	10	7	the	the	DET
ajbmeb-2990	10	8	change	change	NOUN
ajbmeb-2990	10	9	of	of	ADP
ajbmeb-2990	10	10	ownership	ownership	NOUN
ajbmeb-2990	10	11	forms	form	NOUN
ajbmeb-2990	10	12	and	and	CCONJ
ajbmeb-2990	10	13	the	the	DET
ajbmeb-2990	10	14	further	further	ADJ
ajbmeb-2990	10	15	development	development	NOUN
ajbmeb-2990	10	16	of	of	ADP
ajbmeb-2990	10	17	market	market	NOUN
ajbmeb-2990	10	18	relations	relation	NOUN
ajbmeb-2990	10	19	,	,	PUNCT
ajbmeb-2990	10	20	payment	payment	NOUN
ajbmeb-2990	10	21	is	be	AUX
ajbmeb-2990	10	22	becoming	become	VERB
ajbmeb-2990	10	23	one	one	NUM
ajbmeb-2990	10	24	of	of	ADP
ajbmeb-2990	10	25	the	the	DET
ajbmeb-2990	10	26	primary	primary	ADJ
ajbmeb-2990	10	27	elements	element	NOUN
ajbmeb-2990	10	28	in	in	ADP
ajbmeb-2990	10	29	the	the	DET
ajbmeb-2990	10	30	system	system	NOUN
ajbmeb-2990	10	31	of	of	ADP
ajbmeb-2990	10	32	commodity	commodity	NOUN
ajbmeb-2990	10	33	-	-	PUNCT
ajbmeb-2990	10	34	money	money	NOUN
ajbmeb-2990	10	35	relations	relation	NOUN
ajbmeb-2990	10	36	and	and	CCONJ
ajbmeb-2990	10	37	credit	credit	NOUN
ajbmeb-2990	10	38	relations	relation	NOUN
ajbmeb-2990	10	39	.	.	PUNCT
ajbmeb-2990	11	1	the	the	DET
ajbmeb-2990	11	2	correctness	correctness	NOUN
ajbmeb-2990	11	3	of	of	ADP
ajbmeb-2990	11	4	our	our	PRON
ajbmeb-2990	11	5	opinion	opinion	NOUN
ajbmeb-2990	11	6	is	be	AUX
ajbmeb-2990	11	7	confirmed	confirm	VERB
ajbmeb-2990	11	8	by	by	ADP
ajbmeb-2990	11	9	the	the	DET
ajbmeb-2990	11	10	fact	fact	NOUN
ajbmeb-2990	11	11	that	that	SCONJ
ajbmeb-2990	11	12	advance	advance	NOUN
ajbmeb-2990	11	13	payment	payment	NOUN
ajbmeb-2990	11	14	is	be	AUX
ajbmeb-2990	11	15	used	use	VERB
ajbmeb-2990	11	16	american	american	ADJ
ajbmeb-2990	11	17	journal	journal	PROPN
ajbmeb-2990	11	18	of	of	ADP
ajbmeb-2990	11	19	business	business	NOUN
ajbmeb-2990	11	20	management	management	NOUN
ajbmeb-2990	11	21	,	,	PUNCT
ajbmeb-2990	11	22	economics	economic	NOUN
ajbmeb-2990	11	23	and	and	CCONJ
ajbmeb-2990	11	24	banking	banking	NOUN
ajbmeb-2990	11	25	volume	volume	NOUN
ajbmeb-2990	11	26	37	37	NUM
ajbmeb-2990	11	27	june2025	june2025	PROPN
ajbmeb-2990	11	28	p	p	NOUN
ajbmeb-2990	11	29	a	a	PRON
ajbmeb-2990	11	30	g	g	NOUN
ajbmeb-2990	11	31	e	e	NOUN
ajbmeb-2990	11	32	|	|	ADV
ajbmeb-2990	11	33	49	49	NUM
ajbmeb-2990	11	34	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2990	11	35	in	in	ADP
ajbmeb-2990	11	36	the	the	DET
ajbmeb-2990	11	37	calculations	calculation	NOUN
ajbmeb-2990	11	38	for	for	ADP
ajbmeb-2990	11	39	goods	good	NOUN
ajbmeb-2990	11	40	,	,	PUNCT
ajbmeb-2990	11	41	the	the	DET
ajbmeb-2990	11	42	practice	practice	NOUN
ajbmeb-2990	11	43	of	of	ADP
ajbmeb-2990	11	44	suspending	suspend	VERB
ajbmeb-2990	11	45	the	the	DET
ajbmeb-2990	11	46	delivery	delivery	NOUN
ajbmeb-2990	11	47	of	of	ADP
ajbmeb-2990	11	48	goods	good	NOUN
ajbmeb-2990	11	49	and	and	CCONJ
ajbmeb-2990	11	50	providing	provide	VERB
ajbmeb-2990	11	51	services	service	NOUN
ajbmeb-2990	11	52	to	to	ADP
ajbmeb-2990	11	53	those	those	PRON
ajbmeb-2990	11	54	who	who	PRON
ajbmeb-2990	11	55	do	do	AUX
ajbmeb-2990	11	56	not	not	PART
ajbmeb-2990	11	57	make	make	VERB
ajbmeb-2990	11	58	payments	payment	NOUN
ajbmeb-2990	11	59	is	be	AUX
ajbmeb-2990	11	60	expanding	expand	VERB
ajbmeb-2990	11	61	,	,	PUNCT
ajbmeb-2990	11	62	and	and	CCONJ
ajbmeb-2990	11	63	the	the	DET
ajbmeb-2990	11	64	loans	loan	NOUN
ajbmeb-2990	11	65	to	to	ADP
ajbmeb-2990	11	66	insolvent	insolvent	ADJ
ajbmeb-2990	11	67	enterprises	enterprise	NOUN
ajbmeb-2990	11	68	are	be	AUX
ajbmeb-2990	11	69	sharply	sharply	ADV
ajbmeb-2990	11	70	reduced	reduce	VERB
ajbmeb-2990	11	71	.	.	PUNCT
ajbmeb-2990	12	1	it	it	PRON
ajbmeb-2990	12	2	should	should	AUX
ajbmeb-2990	12	3	also	also	ADV
ajbmeb-2990	12	4	be	be	AUX
ajbmeb-2990	12	5	noted	note	VERB
ajbmeb-2990	12	6	that	that	SCONJ
ajbmeb-2990	12	7	cash	cash	NOUN
ajbmeb-2990	12	8	and	and	CCONJ
ajbmeb-2990	12	9	credit	credit	NOUN
ajbmeb-2990	12	10	are	be	AUX
ajbmeb-2990	12	11	valid	valid	ADJ
ajbmeb-2990	12	12	due	due	ADP
ajbmeb-2990	12	13	to	to	ADP
ajbmeb-2990	12	14	payment	payment	NOUN
ajbmeb-2990	12	15	.	.	PUNCT
ajbmeb-2990	13	1	if	if	SCONJ
ajbmeb-2990	13	2	money	money	NOUN
ajbmeb-2990	13	3	is	be	AUX
ajbmeb-2990	13	4	stripped	strip	VERB
ajbmeb-2990	13	5	of	of	ADP
ajbmeb-2990	13	6	its	its	PRON
ajbmeb-2990	13	7	payment	payment	NOUN
ajbmeb-2990	13	8	feature	feature	NOUN
ajbmeb-2990	13	9	(	(	PUNCT
ajbmeb-2990	13	10	property	property	NOUN
ajbmeb-2990	13	11	,	,	PUNCT
ajbmeb-2990	13	12	function	function	NOUN
ajbmeb-2990	13	13	)	)	PUNCT
ajbmeb-2990	13	14	,	,	PUNCT
ajbmeb-2990	13	15	it	it	PRON
ajbmeb-2990	13	16	ceases	cease	VERB
ajbmeb-2990	13	17	to	to	PART
ajbmeb-2990	13	18	be	be	AUX
ajbmeb-2990	13	19	money	money	NOUN
ajbmeb-2990	13	20	.	.	PUNCT
ajbmeb-2990	14	1	the	the	DET
ajbmeb-2990	14	2	same	same	ADJ
ajbmeb-2990	14	3	idea	idea	NOUN
ajbmeb-2990	14	4	applies	apply	VERB
ajbmeb-2990	14	5	to	to	ADP
ajbmeb-2990	14	6	credit	credit	NOUN
ajbmeb-2990	14	7	.	.	PUNCT
ajbmeb-2990	15	1	as	as	ADP
ajbmeb-2990	15	2	an	an	DET
ajbmeb-2990	15	3	economic	economic	ADJ
ajbmeb-2990	15	4	category	category	NOUN
ajbmeb-2990	15	5	,	,	PUNCT
ajbmeb-2990	15	6	payment	payment	NOUN
ajbmeb-2990	15	7	reflects	reflect	VERB
ajbmeb-2990	15	8	the	the	DET
ajbmeb-2990	15	9	diversity	diversity	NOUN
ajbmeb-2990	15	10	of	of	ADP
ajbmeb-2990	15	11	philosophical	philosophical	ADJ
ajbmeb-2990	15	12	categories	category	NOUN
ajbmeb-2990	15	13	such	such	ADJ
ajbmeb-2990	15	14	as	as	ADP
ajbmeb-2990	15	15	action	action	NOUN
ajbmeb-2990	15	16	,	,	PUNCT
ajbmeb-2990	15	17	space	space	NOUN
ajbmeb-2990	15	18	,	,	PUNCT
ajbmeb-2990	15	19	time	time	NOUN
ajbmeb-2990	15	20	,	,	PUNCT
ajbmeb-2990	15	21	opposition	opposition	NOUN
ajbmeb-2990	15	22	,	,	PUNCT
ajbmeb-2990	15	23	particularity	particularity	NOUN
ajbmeb-2990	15	24	,	,	PUNCT
ajbmeb-2990	15	25	generality	generality	NOUN
ajbmeb-2990	15	26	,	,	PUNCT
ajbmeb-2990	15	27	quality	quality	NOUN
ajbmeb-2990	15	28	,	,	PUNCT
ajbmeb-2990	15	29	quantity	quantity	NOUN
ajbmeb-2990	15	30	,	,	PUNCT
ajbmeb-2990	15	31	cause	cause	NOUN
ajbmeb-2990	15	32	,	,	PUNCT
ajbmeb-2990	15	33	effect	effect	NOUN
ajbmeb-2990	15	34	,	,	PUNCT
ajbmeb-2990	15	35	content	content	NOUN
ajbmeb-2990	15	36	and	and	CCONJ
ajbmeb-2990	15	37	form	form	NOUN
ajbmeb-2990	15	38	.	.	PUNCT
ajbmeb-2990	16	1	its	its	PRON
ajbmeb-2990	16	2	interrelationship	interrelationship	NOUN
ajbmeb-2990	16	3	with	with	ADP
ajbmeb-2990	16	4	such	such	ADJ
ajbmeb-2990	16	5	philosophical	philosophical	ADJ
ajbmeb-2990	16	6	categories	category	NOUN
ajbmeb-2990	16	7	can	can	AUX
ajbmeb-2990	16	8	be	be	AUX
ajbmeb-2990	16	9	graphically	graphically	ADV
ajbmeb-2990	16	10	visualized	visualize	VERB
ajbmeb-2990	16	11	as	as	SCONJ
ajbmeb-2990	16	12	follows	follow	VERB
ajbmeb-2990	16	13	(	(	PUNCT
ajbmeb-2990	16	14	figure	figure	NOUN
ajbmeb-2990	16	15	1	1	NUM
ajbmeb-2990	16	16	)	)	PUNCT
ajbmeb-2990	16	17	.	.	PUNCT
ajbmeb-2990	17	1	at	at	ADP
ajbmeb-2990	17	2	this	this	DET
ajbmeb-2990	17	3	point	point	NOUN
ajbmeb-2990	17	4	,	,	PUNCT
ajbmeb-2990	17	5	it	it	PRON
ajbmeb-2990	17	6	is	be	AUX
ajbmeb-2990	17	7	appropriate	appropriate	ADJ
ajbmeb-2990	17	8	to	to	PART
ajbmeb-2990	17	9	dwell	dwell	VERB
ajbmeb-2990	17	10	on	on	ADP
ajbmeb-2990	17	11	the	the	DET
ajbmeb-2990	17	12	issue	issue	NOUN
ajbmeb-2990	17	13	of	of	ADP
ajbmeb-2990	17	14	the	the	DET
ajbmeb-2990	17	15	form	form	NOUN
ajbmeb-2990	17	16	of	of	ADP
ajbmeb-2990	17	17	payment	payment	NOUN
ajbmeb-2990	17	18	.	.	PUNCT
ajbmeb-2990	18	1	since	since	SCONJ
ajbmeb-2990	18	2	economic	economic	ADJ
ajbmeb-2990	18	3	categories	category	NOUN
ajbmeb-2990	18	4	are	be	AUX
ajbmeb-2990	18	5	the	the	DET
ajbmeb-2990	18	6	most	most	ADV
ajbmeb-2990	18	7	general	general	ADJ
ajbmeb-2990	18	8	form	form	NOUN
ajbmeb-2990	18	9	of	of	ADP
ajbmeb-2990	18	10	existence	existence	NOUN
ajbmeb-2990	18	11	of	of	ADP
ajbmeb-2990	18	12	economic	economic	ADJ
ajbmeb-2990	18	13	matter	matter	NOUN
ajbmeb-2990	18	14	,	,	PUNCT
ajbmeb-2990	18	15	the	the	DET
ajbmeb-2990	18	16	payment	payment	NOUN
ajbmeb-2990	18	17	category	category	NOUN
ajbmeb-2990	18	18	consists	consist	VERB
ajbmeb-2990	18	19	of	of	ADP
ajbmeb-2990	18	20	the	the	DET
ajbmeb-2990	18	21	most	most	ADV
ajbmeb-2990	18	22	general	general	ADJ
ajbmeb-2990	18	23	form	form	NOUN
ajbmeb-2990	18	24	of	of	ADP
ajbmeb-2990	18	25	existence	existence	NOUN
ajbmeb-2990	18	26	of	of	ADP
ajbmeb-2990	18	27	material	material	NOUN
ajbmeb-2990	18	28	formations	formation	NOUN
ajbmeb-2990	18	29	in	in	ADP
ajbmeb-2990	18	30	the	the	DET
ajbmeb-2990	18	31	form	form	NOUN
ajbmeb-2990	18	32	of	of	ADP
ajbmeb-2990	18	33	money	money	NOUN
ajbmeb-2990	18	34	and	and	CCONJ
ajbmeb-2990	18	35	credit	credit	NOUN
ajbmeb-2990	18	36	.	.	PUNCT
ajbmeb-2990	19	1	payment	payment	NOUN
ajbmeb-2990	19	2	is	be	AUX
ajbmeb-2990	19	3	manifested	manifest	VERB
ajbmeb-2990	19	4	in	in	ADP
ajbmeb-2990	19	5	the	the	DET
ajbmeb-2990	19	6	processes	process	NOUN
ajbmeb-2990	19	7	of	of	ADP
ajbmeb-2990	19	8	issuing	issue	VERB
ajbmeb-2990	19	9	money	money	NOUN
ajbmeb-2990	19	10	into	into	ADP
ajbmeb-2990	19	11	circulation	circulation	NOUN
ajbmeb-2990	19	12	,	,	PUNCT
ajbmeb-2990	19	13	in	in	ADP
ajbmeb-2990	19	14	the	the	DET
ajbmeb-2990	19	15	performance	performance	NOUN
ajbmeb-2990	19	16	of	of	ADP
ajbmeb-2990	19	17	all	all	DET
ajbmeb-2990	19	18	its	its	PRON
ajbmeb-2990	19	19	functions	function	NOUN
ajbmeb-2990	19	20	by	by	ADP
ajbmeb-2990	19	21	money	money	NOUN
ajbmeb-2990	19	22	,	,	PUNCT
ajbmeb-2990	19	23	in	in	ADP
ajbmeb-2990	19	24	the	the	DET
ajbmeb-2990	19	25	withdrawal	withdrawal	NOUN
ajbmeb-2990	19	26	of	of	ADP
ajbmeb-2990	19	27	money	money	NOUN
ajbmeb-2990	19	28	from	from	ADP
ajbmeb-2990	19	29	circulation	circulation	NOUN
ajbmeb-2990	19	30	,	,	PUNCT
ajbmeb-2990	19	31	in	in	ADP
ajbmeb-2990	19	32	the	the	DET
ajbmeb-2990	19	33	creation	creation	NOUN
ajbmeb-2990	19	34	of	of	ADP
ajbmeb-2990	19	35	credit	credit	NOUN
ajbmeb-2990	19	36	,	,	PUNCT
ajbmeb-2990	19	37	in	in	ADP
ajbmeb-2990	19	38	its	its	PRON
ajbmeb-2990	19	39	comprehensive	comprehensive	ADJ
ajbmeb-2990	19	40	validity	validity	NOUN
ajbmeb-2990	19	41	and	and	CCONJ
ajbmeb-2990	19	42	return	return	NOUN
ajbmeb-2990	19	43	(	(	PUNCT
ajbmeb-2990	19	44	termination	termination	NOUN
ajbmeb-2990	19	45	)	)	PUNCT
ajbmeb-2990	19	46	.	.	PUNCT
ajbmeb-2990	20	1	even	even	ADV
ajbmeb-2990	20	2	when	when	SCONJ
ajbmeb-2990	20	3	money	money	NOUN
ajbmeb-2990	20	4	is	be	AUX
ajbmeb-2990	20	5	held	hold	VERB
ajbmeb-2990	20	6	in	in	ADP
ajbmeb-2990	20	7	reserve	reserve	NOUN
ajbmeb-2990	20	8	,	,	PUNCT
ajbmeb-2990	20	9	it	it	PRON
ajbmeb-2990	20	10	carries	carry	VERB
ajbmeb-2990	20	11	a	a	DET
ajbmeb-2990	20	12	sign	sign	NOUN
ajbmeb-2990	20	13	of	of	ADP
ajbmeb-2990	20	14	potential	potential	ADJ
ajbmeb-2990	20	15	payouts	payout	NOUN
ajbmeb-2990	20	16	.	.	PUNCT
ajbmeb-2990	21	1	being	be	AUX
ajbmeb-2990	21	2	an	an	DET
ajbmeb-2990	21	3	economic	economic	ADJ
ajbmeb-2990	21	4	category	category	NOUN
ajbmeb-2990	21	5	,	,	PUNCT
ajbmeb-2990	21	6	payment	payment	NOUN
ajbmeb-2990	21	7	as	as	ADP
ajbmeb-2990	21	8	the	the	DET
ajbmeb-2990	21	9	most	most	ADV
ajbmeb-2990	21	10	general	general	ADJ
ajbmeb-2990	21	11	form	form	NOUN
ajbmeb-2990	21	12	shows	show	VERB
ajbmeb-2990	21	13	private	private	ADJ
ajbmeb-2990	21	14	forms	form	NOUN
ajbmeb-2990	21	15	of	of	ADP
ajbmeb-2990	21	16	payment	payment	NOUN
ajbmeb-2990	21	17	relations	relation	NOUN
ajbmeb-2990	21	18	between	between	ADP
ajbmeb-2990	21	19	enterprises	enterprise	NOUN
ajbmeb-2990	21	20	,	,	PUNCT
ajbmeb-2990	21	21	between	between	ADP
ajbmeb-2990	21	22	enterprises	enterprise	NOUN
ajbmeb-2990	21	23	and	and	CCONJ
ajbmeb-2990	21	24	households	household	NOUN
ajbmeb-2990	21	25	,	,	PUNCT
ajbmeb-2990	21	26	between	between	ADP
ajbmeb-2990	21	27	them	they	PRON
ajbmeb-2990	21	28	and	and	CCONJ
ajbmeb-2990	21	29	the	the	DET
ajbmeb-2990	21	30	state	state	NOUN
ajbmeb-2990	21	31	,	,	PUNCT
ajbmeb-2990	21	32	between	between	ADP
ajbmeb-2990	21	33	banks	bank	NOUN
ajbmeb-2990	21	34	,	,	PUNCT
ajbmeb-2990	21	35	between	between	ADP
ajbmeb-2990	21	36	enterprises	enterprise	NOUN
ajbmeb-2990	21	37	and	and	CCONJ
ajbmeb-2990	21	38	residents	resident	NOUN
ajbmeb-2990	21	39	,	,	PUNCT
ajbmeb-2990	21	40	between	between	ADP
ajbmeb-2990	21	41	individuals	individual	NOUN
ajbmeb-2990	21	42	,	,	PUNCT
ajbmeb-2990	21	43	between	between	ADP
ajbmeb-2990	21	44	regions	region	NOUN
ajbmeb-2990	21	45	of	of	ADP
ajbmeb-2990	21	46	the	the	DET
ajbmeb-2990	21	47	country	country	NOUN
ajbmeb-2990	21	48	,	,	PUNCT
ajbmeb-2990	21	49	and	and	CCONJ
ajbmeb-2990	21	50	between	between	ADP
ajbmeb-2990	21	51	countries	country	NOUN
ajbmeb-2990	21	52	.	.	PUNCT
ajbmeb-2990	22	1	the	the	DET
ajbmeb-2990	22	2	forms	form	NOUN
ajbmeb-2990	22	3	of	of	ADP
ajbmeb-2990	22	4	manifestation	manifestation	NOUN
ajbmeb-2990	22	5	of	of	ADP
ajbmeb-2990	22	6	the	the	DET
ajbmeb-2990	22	7	payment	payment	NOUN
ajbmeb-2990	22	8	are	be	AUX
ajbmeb-2990	22	9	also	also	ADV
ajbmeb-2990	22	10	reflected	reflect	VERB
ajbmeb-2990	22	11	in	in	ADP
ajbmeb-2990	22	12	the	the	DET
ajbmeb-2990	22	13	characteristics	characteristic	NOUN
ajbmeb-2990	22	14	of	of	ADP
ajbmeb-2990	22	15	its	its	PRON
ajbmeb-2990	22	16	movement	movement	NOUN
ajbmeb-2990	22	17	and	and	CCONJ
ajbmeb-2990	22	18	in	in	ADP
ajbmeb-2990	22	19	the	the	DET
ajbmeb-2990	22	20	calculations	calculation	NOUN
ajbmeb-2990	22	21	made	make	VERB
ajbmeb-2990	22	22	through	through	ADP
ajbmeb-2990	22	23	various	various	ADJ
ajbmeb-2990	22	24	payment	payment	NOUN
ajbmeb-2990	22	25	instruments	instrument	NOUN
ajbmeb-2990	22	26	.	.	PUNCT
ajbmeb-2990	23	1	each	each	DET
ajbmeb-2990	23	2	payment	payment	NOUN
ajbmeb-2990	23	3	is	be	AUX
ajbmeb-2990	23	4	made	make	VERB
ajbmeb-2990	23	5	in	in	ADP
ajbmeb-2990	23	6	two	two	NUM
ajbmeb-2990	23	7	ways	way	NOUN
ajbmeb-2990	23	8	,	,	PUNCT
ajbmeb-2990	23	9	i.e.	i.e.	X
ajbmeb-2990	23	10	horizontal	horizontal	ADJ
ajbmeb-2990	23	11	and	and	CCONJ
ajbmeb-2990	23	12	vertical	vertical	ADJ
ajbmeb-2990	23	13	.	.	PUNCT
ajbmeb-2990	24	1	horizontal	horizontal	ADJ
ajbmeb-2990	24	2	payment	payment	NOUN
ajbmeb-2990	24	3	refers	refer	VERB
ajbmeb-2990	24	4	to	to	ADP
ajbmeb-2990	24	5	the	the	DET
ajbmeb-2990	24	6	transfer	transfer	NOUN
ajbmeb-2990	24	7	of	of	ADP
ajbmeb-2990	24	8	funds	fund	NOUN
ajbmeb-2990	24	9	from	from	ADP
ajbmeb-2990	24	10	the	the	DET
ajbmeb-2990	24	11	payer	payer	NOUN
ajbmeb-2990	24	12	to	to	ADP
ajbmeb-2990	24	13	the	the	DET
ajbmeb-2990	24	14	recipient	recipient	NOUN
ajbmeb-2990	24	15	.	.	PUNCT
ajbmeb-2990	25	1	a	a	DET
ajbmeb-2990	25	2	vertical	vertical	ADJ
ajbmeb-2990	25	3	payment	payment	NOUN
ajbmeb-2990	25	4	refers	refer	VERB
ajbmeb-2990	25	5	to	to	ADP
ajbmeb-2990	25	6	a	a	DET
ajbmeb-2990	25	7	change	change	NOUN
ajbmeb-2990	25	8	in	in	ADP
ajbmeb-2990	25	9	payment	payment	NOUN
ajbmeb-2990	25	10	counterparties	counterpartie	NOUN
ajbmeb-2990	25	11	'	'	PART
ajbmeb-2990	25	12	obligations	obligation	NOUN
ajbmeb-2990	25	13	and	and	CCONJ
ajbmeb-2990	25	14	payment	payment	NOUN
ajbmeb-2990	25	15	resources	resource	NOUN
ajbmeb-2990	25	16	.	.	PUNCT
ajbmeb-2990	26	1	horizontal	horizontal	ADJ
ajbmeb-2990	26	2	and	and	CCONJ
ajbmeb-2990	26	3	vertical	vertical	ADJ
ajbmeb-2990	26	4	forms	form	NOUN
ajbmeb-2990	26	5	of	of	ADP
ajbmeb-2990	26	6	movement	movement	NOUN
ajbmeb-2990	26	7	are	be	AUX
ajbmeb-2990	26	8	two	two	NUM
ajbmeb-2990	26	9	sides	side	NOUN
ajbmeb-2990	26	10	of	of	ADP
ajbmeb-2990	26	11	the	the	DET
ajbmeb-2990	26	12	same	same	ADJ
ajbmeb-2990	26	13	coin	coin	NOUN
ajbmeb-2990	26	14	,	,	PUNCT
ajbmeb-2990	26	15	i.e.	i.e.	X
ajbmeb-2990	26	16	payment	payment	NOUN
ajbmeb-2990	26	17	.	.	PUNCT
ajbmeb-2990	27	1	the	the	DET
ajbmeb-2990	27	2	horizontal	horizontal	ADJ
ajbmeb-2990	27	3	form	form	NOUN
ajbmeb-2990	27	4	of	of	ADP
ajbmeb-2990	27	5	movement	movement	NOUN
ajbmeb-2990	27	6	is	be	AUX
ajbmeb-2990	27	7	designed	design	VERB
ajbmeb-2990	27	8	to	to	PART
ajbmeb-2990	27	9	make	make	VERB
ajbmeb-2990	27	10	payments	payment	NOUN
ajbmeb-2990	27	11	and	and	CCONJ
ajbmeb-2990	27	12	equalize	equalize	VERB
ajbmeb-2990	27	13	them	they	PRON
ajbmeb-2990	27	14	.	.	PUNCT
ajbmeb-2990	28	1	in	in	ADP
ajbmeb-2990	28	2	turn	turn	NOUN
ajbmeb-2990	28	3	,	,	PUNCT
ajbmeb-2990	28	4	the	the	DET
ajbmeb-2990	28	5	vertical	vertical	ADJ
ajbmeb-2990	28	6	form	form	NOUN
ajbmeb-2990	28	7	of	of	ADP
ajbmeb-2990	28	8	movement	movement	NOUN
ajbmeb-2990	28	9	is	be	AUX
ajbmeb-2990	28	10	determined	determine	VERB
ajbmeb-2990	28	11	by	by	ADP
ajbmeb-2990	28	12	the	the	DET
ajbmeb-2990	28	13	intensity	intensity	NOUN
ajbmeb-2990	28	14	of	of	ADP
ajbmeb-2990	28	15	equalization	equalization	NOUN
ajbmeb-2990	28	16	of	of	ADP
ajbmeb-2990	28	17	payments	payment	NOUN
ajbmeb-2990	28	18	.	.	PUNCT
ajbmeb-2990	29	1	the	the	PRON
ajbmeb-2990	29	2	higher	high	ADJ
ajbmeb-2990	29	3	the	the	DET
ajbmeb-2990	29	4	weight	weight	NOUN
ajbmeb-2990	29	5	of	of	ADP
ajbmeb-2990	29	6	equalized	equalize	VERB
ajbmeb-2990	29	7	payments	payment	NOUN
ajbmeb-2990	29	8	,	,	PUNCT
ajbmeb-2990	29	9	the	the	PRON
ajbmeb-2990	29	10	less	less	ADJ
ajbmeb-2990	29	11	the	the	DET
ajbmeb-2990	29	12	vertical	vertical	ADJ
ajbmeb-2990	29	13	form	form	NOUN
ajbmeb-2990	29	14	of	of	ADP
ajbmeb-2990	29	15	movement	movement	NOUN
ajbmeb-2990	29	16	is	be	AUX
ajbmeb-2990	29	17	manifested	manifest	VERB
ajbmeb-2990	29	18	.	.	PUNCT
ajbmeb-2990	30	1	on	on	ADP
ajbmeb-2990	30	2	the	the	DET
ajbmeb-2990	30	3	contrary	contrary	NOUN
ajbmeb-2990	30	4	,	,	PUNCT
ajbmeb-2990	30	5	a	a	DET
ajbmeb-2990	30	6	decrease	decrease	NOUN
ajbmeb-2990	30	7	(	(	PUNCT
ajbmeb-2990	30	8	reduction	reduction	NOUN
ajbmeb-2990	30	9	)	)	PUNCT
ajbmeb-2990	30	10	in	in	ADP
ajbmeb-2990	30	11	the	the	DET
ajbmeb-2990	30	12	weight	weight	NOUN
ajbmeb-2990	30	13	of	of	ADP
ajbmeb-2990	30	14	equalized	equalize	VERB
ajbmeb-2990	30	15	payments	payment	NOUN
ajbmeb-2990	30	16	in	in	ADP
ajbmeb-2990	30	17	the	the	DET
ajbmeb-2990	30	18	payment	payment	NOUN
ajbmeb-2990	30	19	circulation	circulation	NOUN
ajbmeb-2990	30	20	,	,	PUNCT
ajbmeb-2990	30	21	in	in	ADP
ajbmeb-2990	30	22	the	the	DET
ajbmeb-2990	30	23	form	form	NOUN
ajbmeb-2990	30	24	of	of	ADP
ajbmeb-2990	30	25	a	a	DET
ajbmeb-2990	30	26	large	large	ADJ
ajbmeb-2990	30	27	or	or	CCONJ
ajbmeb-2990	30	28	small	small	ADJ
ajbmeb-2990	30	29	increase	increase	NOUN
ajbmeb-2990	30	30	or	or	CCONJ
ajbmeb-2990	30	31	decrease	decrease	NOUN
ajbmeb-2990	30	32	of	of	ADP
ajbmeb-2990	30	33	credit	credit	NOUN
ajbmeb-2990	30	34	and	and	CCONJ
ajbmeb-2990	30	35	money	money	NOUN
ajbmeb-2990	30	36	balances	balance	NOUN
ajbmeb-2990	30	37	,	,	PUNCT
ajbmeb-2990	30	38	leads	lead	VERB
ajbmeb-2990	30	39	to	to	ADP
ajbmeb-2990	30	40	an	an	DET
ajbmeb-2990	30	41	increase	increase	NOUN
ajbmeb-2990	30	42	in	in	ADP
ajbmeb-2990	30	43	the	the	DET
ajbmeb-2990	30	44	form	form	NOUN
ajbmeb-2990	30	45	of	of	ADP
ajbmeb-2990	30	46	vertical	vertical	ADJ
ajbmeb-2990	30	47	movement	movement	NOUN
ajbmeb-2990	30	48	of	of	ADP
ajbmeb-2990	30	49	payments	payment	NOUN
ajbmeb-2990	30	50	,	,	PUNCT
ajbmeb-2990	30	51	their	their	PRON
ajbmeb-2990	30	52	difference	difference	NOUN
ajbmeb-2990	30	53	from	from	ADP
ajbmeb-2990	30	54	the	the	DET
ajbmeb-2990	30	55	average	average	ADJ
ajbmeb-2990	30	56	size	size	NOUN
ajbmeb-2990	30	57	.	.	PUNCT
ajbmeb-2990	31	1	such	such	ADJ
ajbmeb-2990	31	2	differences	difference	NOUN
ajbmeb-2990	31	3	are	be	AUX
ajbmeb-2990	31	4	often	often	ADV
ajbmeb-2990	31	5	associated	associate	VERB
ajbmeb-2990	31	6	with	with	ADP
ajbmeb-2990	31	7	changes	change	NOUN
ajbmeb-2990	31	8	in	in	ADP
ajbmeb-2990	31	9	the	the	DET
ajbmeb-2990	31	10	ratios	ratio	NOUN
ajbmeb-2990	31	11	in	in	ADP
ajbmeb-2990	31	12	the	the	DET
ajbmeb-2990	31	13	economy	economy	NOUN
ajbmeb-2990	31	14	at	at	ADP
ajbmeb-2990	31	15	the	the	DET
ajbmeb-2990	31	16	macro	macro	ADJ
ajbmeb-2990	31	17	and	and	CCONJ
ajbmeb-2990	31	18	micro	micro	ADJ
ajbmeb-2990	31	19	levels	level	NOUN
ajbmeb-2990	31	20	.	.	PUNCT
ajbmeb-2990	32	1	forms	form	NOUN
ajbmeb-2990	32	2	of	of	ADP
ajbmeb-2990	32	3	payment	payment	NOUN
ajbmeb-2990	32	4	movements	movement	NOUN
ajbmeb-2990	32	5	are	be	AUX
ajbmeb-2990	32	6	strongly	strongly	ADV
ajbmeb-2990	32	7	linked	link	VERB
ajbmeb-2990	32	8	to	to	ADP
ajbmeb-2990	32	9	the	the	DET
ajbmeb-2990	32	10	return	return	NOUN
ajbmeb-2990	32	11	of	of	ADP
ajbmeb-2990	32	12	funds	fund	NOUN
ajbmeb-2990	32	13	to	to	ADP
ajbmeb-2990	32	14	the	the	DET
ajbmeb-2990	32	15	monetary	monetary	ADJ
ajbmeb-2990	32	16	and	and	CCONJ
ajbmeb-2990	32	17	credit	credit	NOUN
ajbmeb-2990	32	18	circulation	circulation	NOUN
ajbmeb-2990	32	19	.	.	PUNCT
ajbmeb-2990	33	1	if	if	SCONJ
ajbmeb-2990	33	2	its	its	PRON
ajbmeb-2990	33	3	movement	movement	NOUN
ajbmeb-2990	33	4	is	be	AUX
ajbmeb-2990	33	5	limited	limit	VERB
ajbmeb-2990	33	6	only	only	ADV
ajbmeb-2990	33	7	to	to	ADP
ajbmeb-2990	33	8	the	the	DET
ajbmeb-2990	33	9	horizontal	horizontal	ADJ
ajbmeb-2990	33	10	form	form	NOUN
ajbmeb-2990	33	11	,	,	PUNCT
ajbmeb-2990	33	12	the	the	DET
ajbmeb-2990	33	13	return	return	NOUN
ajbmeb-2990	33	14	of	of	ADP
ajbmeb-2990	33	15	funds	fund	NOUN
ajbmeb-2990	33	16	can	can	AUX
ajbmeb-2990	33	17	be	be	AUX
ajbmeb-2990	33	18	zero	zero	NUM
ajbmeb-2990	33	19	.	.	PUNCT
ajbmeb-2990	34	1	for	for	ADP
ajbmeb-2990	34	2	example	example	NOUN
ajbmeb-2990	34	3	,	,	PUNCT
ajbmeb-2990	34	4	the	the	DET
ajbmeb-2990	34	5	enterprise	enterprise	NOUN
ajbmeb-2990	34	6	owes	owe	VERB
ajbmeb-2990	34	7	10.0	10.0	NUM
ajbmeb-2990	34	8	million	million	NUM
ajbmeb-2990	34	9	to	to	ADP
ajbmeb-2990	34	10	the	the	DET
ajbmeb-2990	34	11	bank	bank	NOUN
ajbmeb-2990	34	12	.	.	PUNCT
ajbmeb-2990	35	1	can	can	AUX
ajbmeb-2990	35	2	repay	repay	VERB
ajbmeb-2990	35	3	a	a	DET
ajbmeb-2990	35	4	loan	loan	NOUN
ajbmeb-2990	35	5	of	of	ADP
ajbmeb-2990	35	6	100	100	NUM
ajbmeb-2990	35	7	soums	soum	NOUN
ajbmeb-2990	35	8	and	and	CCONJ
ajbmeb-2990	35	9	at	at	ADP
ajbmeb-2990	35	10	the	the	DET
ajbmeb-2990	35	11	same	same	ADJ
ajbmeb-2990	35	12	time	time	NOUN
ajbmeb-2990	35	13	receive	receive	VERB
ajbmeb-2990	35	14	a	a	DET
ajbmeb-2990	35	15	loan	loan	NOUN
ajbmeb-2990	35	16	equal	equal	ADJ
ajbmeb-2990	35	17	to	to	ADP
ajbmeb-2990	35	18	this	this	DET
ajbmeb-2990	35	19	amount	amount	NOUN
ajbmeb-2990	35	20	from	from	ADP
ajbmeb-2990	35	21	the	the	DET
ajbmeb-2990	35	22	bank	bank	NOUN
ajbmeb-2990	35	23	.	.	PUNCT
ajbmeb-2990	36	1	american	american	PROPN
ajbmeb-2990	36	2	journal	journal	PROPN
ajbmeb-2990	36	3	of	of	ADP
ajbmeb-2990	36	4	business	business	NOUN
ajbmeb-2990	36	5	management	management	NOUN
ajbmeb-2990	36	6	,	,	PUNCT
ajbmeb-2990	36	7	economics	economic	NOUN
ajbmeb-2990	36	8	and	and	CCONJ
ajbmeb-2990	36	9	banking	banking	NOUN
ajbmeb-2990	36	10	volume	volume	NOUN
ajbmeb-2990	36	11	37	37	NUM
ajbmeb-2990	36	12	june2025	june2025	PROPN
ajbmeb-2990	36	13	p	p	NOUN
ajbmeb-2990	36	14	a	a	DET
ajbmeb-2990	36	15	g	g	NOUN
ajbmeb-2990	36	16	e	e	NOUN
ajbmeb-2990	36	17	|	|	ADV
ajbmeb-2990	36	18	50	50	NUM
ajbmeb-2990	36	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2990	36	20	it	it	PRON
ajbmeb-2990	36	21	can	can	AUX
ajbmeb-2990	36	22	be	be	AUX
ajbmeb-2990	36	23	seen	see	VERB
ajbmeb-2990	36	24	that	that	SCONJ
ajbmeb-2990	36	25	the	the	DET
ajbmeb-2990	36	26	vertical	vertical	ADJ
ajbmeb-2990	36	27	form	form	NOUN
ajbmeb-2990	36	28	of	of	ADP
ajbmeb-2990	36	29	payment	payment	NOUN
ajbmeb-2990	36	30	movement	movement	NOUN
ajbmeb-2990	36	31	not	not	PART
ajbmeb-2990	36	32	to	to	PART
ajbmeb-2990	36	33	occur	occur	VERB
ajbmeb-2990	36	34	in	in	ADP
ajbmeb-2990	36	35	this	this	DET
ajbmeb-2990	36	36	process	process	NOUN
ajbmeb-2990	36	37	.	.	PUNCT
ajbmeb-2990	37	1	and	and	CCONJ
ajbmeb-2990	37	2	only	only	ADV
ajbmeb-2990	37	3	in	in	ADP
ajbmeb-2990	37	4	this	this	DET
ajbmeb-2990	37	5	case	case	NOUN
ajbmeb-2990	37	6	,	,	PUNCT
ajbmeb-2990	37	7	i.e.	i.e.	X
ajbmeb-2990	37	8	when	when	SCONJ
ajbmeb-2990	37	9	the	the	DET
ajbmeb-2990	37	10	company	company	NOUN
ajbmeb-2990	37	11	returns	return	VERB
ajbmeb-2990	37	12	the	the	DET
ajbmeb-2990	37	13	previously	previously	ADV
ajbmeb-2990	37	14	received	receive	VERB
ajbmeb-2990	37	15	loan	loan	NOUN
ajbmeb-2990	37	16	from	from	ADP
ajbmeb-2990	37	17	the	the	DET
ajbmeb-2990	37	18	bank	bank	NOUN
ajbmeb-2990	37	19	and	and	CCONJ
ajbmeb-2990	37	20	not	not	PART
ajbmeb-2990	37	21	to	to	PART
ajbmeb-2990	37	22	receive	receive	VERB
ajbmeb-2990	37	23	a	a	DET
ajbmeb-2990	37	24	new	new	ADJ
ajbmeb-2990	37	25	loan	loan	NOUN
ajbmeb-2990	37	26	,	,	PUNCT
ajbmeb-2990	37	27	the	the	DET
ajbmeb-2990	37	28	horizontal	horizontal	ADJ
ajbmeb-2990	37	29	and	and	CCONJ
ajbmeb-2990	37	30	vertical	vertical	ADJ
ajbmeb-2990	37	31	forms	form	NOUN
ajbmeb-2990	37	32	of	of	ADP
ajbmeb-2990	37	33	payment	payment	NOUN
ajbmeb-2990	37	34	movement	movement	NOUN
ajbmeb-2990	37	35	coincides	coincide	VERB
ajbmeb-2990	37	36	in	in	ADP
ajbmeb-2990	37	37	their	their	PRON
ajbmeb-2990	37	38	dimensions	dimension	NOUN
ajbmeb-2990	37	39	.	.	PUNCT
ajbmeb-2990	38	1	from	from	ADP
ajbmeb-2990	38	2	the	the	DET
ajbmeb-2990	38	3	two	two	NUM
ajbmeb-2990	38	4	forms	form	NOUN
ajbmeb-2990	38	5	of	of	ADP
ajbmeb-2990	38	6	payment	payment	NOUN
ajbmeb-2990	38	7	movement	movement	NOUN
ajbmeb-2990	38	8	comes	come	VERB
ajbmeb-2990	38	9	two	two	NUM
ajbmeb-2990	38	10	different	different	ADJ
ajbmeb-2990	38	11	ways	way	NOUN
ajbmeb-2990	38	12	of	of	ADP
ajbmeb-2990	38	13	measuring	measure	VERB
ajbmeb-2990	38	14	it	it	PRON
ajbmeb-2990	38	15	.	.	PUNCT
ajbmeb-2990	39	1	the	the	DET
ajbmeb-2990	39	2	first	first	ADJ
ajbmeb-2990	39	3	measurement	measurement	NOUN
ajbmeb-2990	39	4	reflects	reflect	VERB
ajbmeb-2990	39	5	the	the	DET
ajbmeb-2990	39	6	extent	extent	NOUN
ajbmeb-2990	39	7	of	of	ADP
ajbmeb-2990	39	8	gross	gross	ADJ
ajbmeb-2990	39	9	turnover	turnover	NOUN
ajbmeb-2990	39	10	and	and	CCONJ
ajbmeb-2990	39	11	the	the	DET
ajbmeb-2990	39	12	second	second	ADJ
ajbmeb-2990	39	13	measurement	measurement	NOUN
ajbmeb-2990	39	14	reflects	reflect	VERB
ajbmeb-2990	39	15	the	the	DET
ajbmeb-2990	39	16	balance	balance	NOUN
ajbmeb-2990	39	17	of	of	ADP
ajbmeb-2990	39	18	turnover	turnover	NOUN
ajbmeb-2990	39	19	.	.	PUNCT
ajbmeb-2990	40	1	such	such	ADJ
ajbmeb-2990	40	2	measurements	measurement	NOUN
ajbmeb-2990	40	3	show	show	VERB
ajbmeb-2990	40	4	that	that	SCONJ
ajbmeb-2990	40	5	the	the	DET
ajbmeb-2990	40	6	payment	payment	NOUN
ajbmeb-2990	40	7	turnover	turnover	NOUN
ajbmeb-2990	40	8	can	can	AUX
ajbmeb-2990	40	9	be	be	AUX
ajbmeb-2990	40	10	different	different	ADJ
ajbmeb-2990	40	11	.	.	PUNCT
ajbmeb-2990	41	1	gross	gross	ADJ
ajbmeb-2990	41	2	turnover	turnover	NOUN
ajbmeb-2990	41	3	reflects	reflect	VERB
ajbmeb-2990	41	4	payments	payment	NOUN
ajbmeb-2990	41	5	and	and	CCONJ
ajbmeb-2990	41	6	inflows	inflow	NOUN
ajbmeb-2990	41	7	of	of	ADP
ajbmeb-2990	41	8	funds	fund	NOUN
ajbmeb-2990	41	9	,	,	PUNCT
ajbmeb-2990	41	10	while	while	SCONJ
ajbmeb-2990	41	11	the	the	DET
ajbmeb-2990	41	12	balance	balance	NOUN
ajbmeb-2990	41	13	of	of	ADP
ajbmeb-2990	41	14	turnover	turnover	NOUN
ajbmeb-2990	41	15	can	can	AUX
ajbmeb-2990	41	16	show	show	VERB
ajbmeb-2990	41	17	the	the	DET
ajbmeb-2990	41	18	excess	excess	NOUN
ajbmeb-2990	41	19	of	of	ADP
ajbmeb-2990	41	20	payments	payment	NOUN
ajbmeb-2990	41	21	over	over	ADP
ajbmeb-2990	41	22	receipts	receipt	NOUN
ajbmeb-2990	41	23	of	of	ADP
ajbmeb-2990	41	24	funds	fund	NOUN
ajbmeb-2990	41	25	or	or	CCONJ
ajbmeb-2990	41	26	,	,	PUNCT
ajbmeb-2990	41	27	conversely	conversely	ADV
ajbmeb-2990	41	28	,	,	PUNCT
ajbmeb-2990	41	29	the	the	DET
ajbmeb-2990	41	30	excess	excess	NOUN
ajbmeb-2990	41	31	of	of	ADP
ajbmeb-2990	41	32	receipts	receipt	NOUN
ajbmeb-2990	41	33	of	of	ADP
ajbmeb-2990	41	34	funds	fund	NOUN
ajbmeb-2990	41	35	over	over	ADP
ajbmeb-2990	41	36	payments	payment	NOUN
ajbmeb-2990	41	37	.	.	PUNCT
ajbmeb-2990	42	1	the	the	DET
ajbmeb-2990	42	2	issue	issue	NOUN
ajbmeb-2990	42	3	of	of	ADP
ajbmeb-2990	42	4	two	two	NUM
ajbmeb-2990	42	5	forms	form	NOUN
ajbmeb-2990	42	6	of	of	ADP
ajbmeb-2990	42	7	payment	payment	NOUN
ajbmeb-2990	42	8	movement	movement	NOUN
ajbmeb-2990	42	9	is	be	AUX
ajbmeb-2990	42	10	of	of	ADP
ajbmeb-2990	42	11	great	great	ADJ
ajbmeb-2990	42	12	theoretical	theoretical	ADJ
ajbmeb-2990	42	13	and	and	CCONJ
ajbmeb-2990	42	14	practical	practical	ADJ
ajbmeb-2990	42	15	importance	importance	NOUN
ajbmeb-2990	42	16	in	in	ADP
ajbmeb-2990	42	17	connection	connection	NOUN
ajbmeb-2990	42	18	with	with	ADP
ajbmeb-2990	42	19	the	the	DET
ajbmeb-2990	42	20	concept	concept	NOUN
ajbmeb-2990	42	21	of	of	ADP
ajbmeb-2990	42	22	"	"	PUNCT
ajbmeb-2990	42	23	payment	payment	NOUN
ajbmeb-2990	42	24	flow	flow	NOUN
ajbmeb-2990	42	25	"	"	PUNCT
ajbmeb-2990	42	26	.	.	PUNCT
ajbmeb-2990	43	1	therefore	therefore	ADV
ajbmeb-2990	43	2	,	,	PUNCT
ajbmeb-2990	43	3	it	it	PRON
ajbmeb-2990	43	4	is	be	AUX
ajbmeb-2990	43	5	appropriate	appropriate	ADJ
ajbmeb-2990	43	6	to	to	PART
ajbmeb-2990	43	7	clarify	clarify	VERB
ajbmeb-2990	43	8	here	here	ADV
ajbmeb-2990	43	9	the	the	DET
ajbmeb-2990	43	10	concept	concept	NOUN
ajbmeb-2990	43	11	of	of	ADP
ajbmeb-2990	43	12	"	"	PUNCT
ajbmeb-2990	43	13	payment	payment	NOUN
ajbmeb-2990	43	14	flow	flow	NOUN
ajbmeb-2990	43	15	"	"	PUNCT
ajbmeb-2990	43	16	,	,	PUNCT
ajbmeb-2990	43	17	which	which	PRON
ajbmeb-2990	43	18	is	be	AUX
ajbmeb-2990	43	19	directly	directly	ADV
ajbmeb-2990	43	20	related	relate	VERB
ajbmeb-2990	43	21	to	to	ADP
ajbmeb-2990	43	22	payment	payment	NOUN
ajbmeb-2990	43	23	.	.	PUNCT
ajbmeb-2990	44	1	in	in	ADP
ajbmeb-2990	44	2	this	this	DET
ajbmeb-2990	44	3	regard	regard	NOUN
ajbmeb-2990	44	4	,	,	PUNCT
ajbmeb-2990	44	5	it	it	PRON
ajbmeb-2990	44	6	should	should	AUX
ajbmeb-2990	44	7	be	be	AUX
ajbmeb-2990	44	8	noted	note	VERB
ajbmeb-2990	44	9	that	that	SCONJ
ajbmeb-2990	44	10	since	since	SCONJ
ajbmeb-2990	44	11	the	the	DET
ajbmeb-2990	44	12	flow	flow	NOUN
ajbmeb-2990	44	13	of	of	ADP
ajbmeb-2990	44	14	payments	payment	NOUN
ajbmeb-2990	44	15	consists	consist	VERB
ajbmeb-2990	44	16	of	of	ADP
ajbmeb-2990	44	17	two	two	NUM
ajbmeb-2990	44	18	elements	element	NOUN
ajbmeb-2990	44	19	,	,	PUNCT
ajbmeb-2990	44	20	i.e.	i.e.	X
ajbmeb-2990	44	21	,	,	PUNCT
ajbmeb-2990	44	22	gross	gross	ADJ
ajbmeb-2990	44	23	turnover	turnover	NOUN
ajbmeb-2990	44	24	(	(	PUNCT
ajbmeb-2990	44	25	payment	payment	NOUN
ajbmeb-2990	44	26	of	of	ADP
ajbmeb-2990	44	27	funds	fund	NOUN
ajbmeb-2990	44	28	and	and	CCONJ
ajbmeb-2990	44	29	their	their	PRON
ajbmeb-2990	44	30	receipt	receipt	NOUN
ajbmeb-2990	44	31	)	)	PUNCT
ajbmeb-2990	44	32	and	and	CCONJ
ajbmeb-2990	44	33	changes	change	NOUN
ajbmeb-2990	44	34	in	in	ADP
ajbmeb-2990	44	35	the	the	DET
ajbmeb-2990	44	36	balance	balance	NOUN
ajbmeb-2990	44	37	of	of	ADP
ajbmeb-2990	44	38	turnover	turnover	NOUN
ajbmeb-2990	44	39	,	,	PUNCT
ajbmeb-2990	44	40	these	these	DET
ajbmeb-2990	44	41	two	two	NUM
ajbmeb-2990	44	42	elements	element	NOUN
ajbmeb-2990	44	43	must	must	AUX
ajbmeb-2990	44	44	be	be	AUX
ajbmeb-2990	44	45	taken	take	VERB
ajbmeb-2990	44	46	into	into	ADP
ajbmeb-2990	44	47	account	account	NOUN
ajbmeb-2990	44	48	first	first	ADV
ajbmeb-2990	44	49	of	of	ADP
ajbmeb-2990	44	50	all	all	PRON
ajbmeb-2990	44	51	when	when	SCONJ
ajbmeb-2990	44	52	defining	define	VERB
ajbmeb-2990	44	53	it.based	it.base	VERB
ajbmeb-2990	44	54	on	on	ADP
ajbmeb-2990	44	55	this	this	PRON
ajbmeb-2990	44	56	,	,	PUNCT
ajbmeb-2990	44	57	the	the	DET
ajbmeb-2990	44	58	payment	payment	NOUN
ajbmeb-2990	44	59	flow	flow	NOUN
ajbmeb-2990	44	60	,	,	PUNCT
ajbmeb-2990	44	61	which	which	PRON
ajbmeb-2990	44	62	can	can	AUX
ajbmeb-2990	44	63	play	play	VERB
ajbmeb-2990	44	64	an	an	DET
ajbmeb-2990	44	65	important	important	ADJ
ajbmeb-2990	44	66	role	role	NOUN
ajbmeb-2990	44	67	in	in	ADP
ajbmeb-2990	44	68	determining	determine	VERB
ajbmeb-2990	44	69	the	the	DET
ajbmeb-2990	44	70	nature	nature	NOUN
ajbmeb-2990	44	71	of	of	ADP
ajbmeb-2990	44	72	payment	payment	NOUN
ajbmeb-2990	44	73	and	and	CCONJ
ajbmeb-2990	44	74	payment	payment	NOUN
ajbmeb-2990	44	75	circulation	circulation	NOUN
ajbmeb-2990	44	76	,	,	PUNCT
ajbmeb-2990	44	77	in	in	ADP
ajbmeb-2990	44	78	our	our	PRON
ajbmeb-2990	44	79	opinion	opinion	NOUN
ajbmeb-2990	44	80	,	,	PUNCT
ajbmeb-2990	44	81	can	can	AUX
ajbmeb-2990	44	82	be	be	AUX
ajbmeb-2990	44	83	defined	define	VERB
ajbmeb-2990	44	84	as	as	SCONJ
ajbmeb-2990	44	85	follows	follow	VERB
ajbmeb-2990	44	86	:	:	PUNCT
ajbmeb-2990	44	87	in	in	ADP
ajbmeb-2990	44	88	a	a	DET
ajbmeb-2990	44	89	certain	certain	ADJ
ajbmeb-2990	44	90	period	period	NOUN
ajbmeb-2990	44	91	(	(	PUNCT
ajbmeb-2990	44	92	interval	interval	NOUN
ajbmeb-2990	44	93	)	)	PUNCT
ajbmeb-2990	44	94	and	and	CCONJ
ajbmeb-2990	44	95	at	at	ADP
ajbmeb-2990	44	96	the	the	DET
ajbmeb-2990	44	97	same	same	ADJ
ajbmeb-2990	44	98	time	time	NOUN
ajbmeb-2990	44	99	in	in	ADP
ajbmeb-2990	44	100	horizontal	horizontal	ADJ
ajbmeb-2990	44	101	and	and	CCONJ
ajbmeb-2990	44	102	vertical	vertical	ADJ
ajbmeb-2990	44	103	forms	form	NOUN
ajbmeb-2990	44	104	,	,	PUNCT
ajbmeb-2990	44	105	and	and	CCONJ
ajbmeb-2990	44	106	according	accord	VERB
ajbmeb-2990	44	107	to	to	ADP
ajbmeb-2990	44	108	its	its	PRON
ajbmeb-2990	44	109	economic	economic	ADJ
ajbmeb-2990	44	110	content	content	NOUN
ajbmeb-2990	44	111	,	,	PUNCT
ajbmeb-2990	44	112	one	one	NUM
ajbmeb-2990	44	113	a	a	DET
ajbmeb-2990	44	114	set	set	NOUN
ajbmeb-2990	44	115	(	(	PUNCT
ajbmeb-2990	44	116	sum	sum	NOUN
ajbmeb-2990	44	117	)	)	PUNCT
ajbmeb-2990	44	118	of	of	ADP
ajbmeb-2990	44	119	different	different	ADJ
ajbmeb-2990	44	120	payments	payment	NOUN
ajbmeb-2990	44	121	is	be	AUX
ajbmeb-2990	44	122	called	call	VERB
ajbmeb-2990	44	123	a	a	DET
ajbmeb-2990	44	124	payment	payment	NOUN
ajbmeb-2990	44	125	stream	stream	NOUN
ajbmeb-2990	44	126	.	.	PUNCT
ajbmeb-2990	45	1	american	american	PROPN
ajbmeb-2990	45	2	journal	journal	PROPN
ajbmeb-2990	45	3	of	of	ADP
ajbmeb-2990	45	4	business	business	NOUN
ajbmeb-2990	45	5	management	management	NOUN
ajbmeb-2990	45	6	,	,	PUNCT
ajbmeb-2990	45	7	economics	economic	NOUN
ajbmeb-2990	45	8	and	and	CCONJ
ajbmeb-2990	45	9	banking	banking	NOUN
ajbmeb-2990	45	10	volume	volume	NOUN
ajbmeb-2990	45	11	37	37	NUM
ajbmeb-2990	45	12	june2025	june2025	PROPN
ajbmeb-2990	45	13	p	p	NOUN
ajbmeb-2990	45	14	a	a	DET
ajbmeb-2990	45	15	g	g	NOUN
ajbmeb-2990	45	16	e	e	NOUN
ajbmeb-2990	45	17	|	|	ADV
ajbmeb-2990	45	18	51	51	NUM
ajbmeb-2990	45	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2990	45	20	there	there	PRON
ajbmeb-2990	45	21	is	be	VERB
ajbmeb-2990	45	22	a	a	DET
ajbmeb-2990	45	23	constant	constant	ADJ
ajbmeb-2990	45	24	connection	connection	NOUN
ajbmeb-2990	45	25	(	(	PUNCT
ajbmeb-2990	45	26	coupling	coupling	NOUN
ajbmeb-2990	45	27	)	)	PUNCT
ajbmeb-2990	45	28	between	between	ADP
ajbmeb-2990	45	29	the	the	DET
ajbmeb-2990	45	30	two	two	NUM
ajbmeb-2990	45	31	forms	form	NOUN
ajbmeb-2990	45	32	of	of	ADP
ajbmeb-2990	45	33	movement	movement	NOUN
ajbmeb-2990	45	34	of	of	ADP
ajbmeb-2990	45	35	charge	charge	NOUN
ajbmeb-2990	45	36	flows	flow	NOUN
ajbmeb-2990	45	37	,	,	PUNCT
ajbmeb-2990	45	38	and	and	CCONJ
ajbmeb-2990	45	39	such	such	DET
ajbmeb-2990	45	40	a	a	DET
ajbmeb-2990	45	41	connection	connection	NOUN
ajbmeb-2990	45	42	(	(	PUNCT
ajbmeb-2990	45	43	coupling	coupling	NOUN
ajbmeb-2990	45	44	)	)	PUNCT
ajbmeb-2990	45	45	is	be	AUX
ajbmeb-2990	45	46	based	base	VERB
ajbmeb-2990	45	47	on	on	ADP
ajbmeb-2990	45	48	the	the	DET
ajbmeb-2990	45	49	speed	speed	NOUN
ajbmeb-2990	45	50	of	of	ADP
ajbmeb-2990	45	51	horizontal	horizontal	ADJ
ajbmeb-2990	45	52	movement	movement	NOUN
ajbmeb-2990	45	53	of	of	ADP
ajbmeb-2990	45	54	the	the	DET
ajbmeb-2990	45	55	charge	charge	NOUN
ajbmeb-2990	45	56	.	.	PUNCT
ajbmeb-2990	46	1	because	because	SCONJ
ajbmeb-2990	46	2	,	,	PUNCT
ajbmeb-2990	46	3	as	as	ADP
ajbmeb-2990	46	4	a	a	DET
ajbmeb-2990	46	5	rule	rule	NOUN
ajbmeb-2990	46	6	,	,	PUNCT
ajbmeb-2990	46	7	the	the	PRON
ajbmeb-2990	46	8	higher	high	ADJ
ajbmeb-2990	46	9	the	the	DET
ajbmeb-2990	46	10	speed	speed	NOUN
ajbmeb-2990	46	11	of	of	ADP
ajbmeb-2990	46	12	movement	movement	NOUN
ajbmeb-2990	46	13	of	of	ADP
ajbmeb-2990	46	14	funds	fund	NOUN
ajbmeb-2990	46	15	,	,	PUNCT
ajbmeb-2990	46	16	the	the	DET
ajbmeb-2990	46	17	less	less	ADJ
ajbmeb-2990	46	18	funds	fund	NOUN
ajbmeb-2990	46	19	remain	remain	VERB
ajbmeb-2990	46	20	in	in	ADP
ajbmeb-2990	46	21	the	the	DET
ajbmeb-2990	46	22	accounts	account	NOUN
ajbmeb-2990	46	23	and	and	CCONJ
ajbmeb-2990	46	24	the	the	PRON
ajbmeb-2990	46	25	larger	large	ADJ
ajbmeb-2990	46	26	(	(	PUNCT
ajbmeb-2990	46	27	higher	high	ADJ
ajbmeb-2990	46	28	)	)	PUNCT
ajbmeb-2990	46	29	the	the	DET
ajbmeb-2990	46	30	balance	balance	NOUN
ajbmeb-2990	46	31	of	of	ADP
ajbmeb-2990	46	32	funds	fund	NOUN
ajbmeb-2990	46	33	in	in	ADP
ajbmeb-2990	46	34	bank	bank	NOUN
ajbmeb-2990	46	35	accounts	account	NOUN
ajbmeb-2990	46	36	.	.	PUNCT
ajbmeb-2990	47	1	at	at	ADP
ajbmeb-2990	47	2	the	the	DET
ajbmeb-2990	47	3	same	same	ADJ
ajbmeb-2990	47	4	time	time	NOUN
ajbmeb-2990	47	5	,	,	PUNCT
ajbmeb-2990	47	6	the	the	DET
ajbmeb-2990	47	7	tendency	tendency	NOUN
ajbmeb-2990	47	8	to	to	PART
ajbmeb-2990	47	9	accelerate	accelerate	VERB
ajbmeb-2990	47	10	payments	payment	NOUN
ajbmeb-2990	47	11	,	,	PUNCT
ajbmeb-2990	47	12	in	in	ADP
ajbmeb-2990	47	13	turn	turn	NOUN
ajbmeb-2990	47	14	,	,	PUNCT
ajbmeb-2990	47	15	creates	create	VERB
ajbmeb-2990	47	16	such	such	DET
ajbmeb-2990	47	17	a	a	DET
ajbmeb-2990	47	18	counter	counter	NOUN
ajbmeb-2990	47	19	-	-	NOUN
ajbmeb-2990	47	20	tendency	tendency	NOUN
ajbmeb-2990	47	21	,	,	PUNCT
ajbmeb-2990	47	22	according	accord	VERB
ajbmeb-2990	47	23	to	to	ADP
ajbmeb-2990	47	24	which	which	PRON
ajbmeb-2990	47	25	a	a	DET
ajbmeb-2990	47	26	number	number	NOUN
ajbmeb-2990	47	27	of	of	ADP
ajbmeb-2990	47	28	banks	bank	NOUN
ajbmeb-2990	47	29	become	become	VERB
ajbmeb-2990	47	30	interested	interested	ADJ
ajbmeb-2990	47	31	in	in	ADP
ajbmeb-2990	47	32	the	the	DET
ajbmeb-2990	47	33	increase	increase	NOUN
ajbmeb-2990	47	34	(	(	PUNCT
ajbmeb-2990	47	35	increase	increase	NOUN
ajbmeb-2990	47	36	)	)	PUNCT
ajbmeb-2990	47	37	of	of	ADP
ajbmeb-2990	47	38	funds	fund	NOUN
ajbmeb-2990	47	39	in	in	ADP
ajbmeb-2990	47	40	accounts.it	accounts.it	NUM
ajbmeb-2990	47	41	is	be	AUX
ajbmeb-2990	47	42	called	call	VERB
ajbmeb-2990	47	43	flout	flout	NOUN
ajbmeb-2990	47	44	in	in	ADP
ajbmeb-2990	47	45	science	science	NOUN
ajbmeb-2990	47	46	and	and	CCONJ
ajbmeb-2990	47	47	practice	practice	NOUN
ajbmeb-2990	47	48	,	,	PUNCT
ajbmeb-2990	47	49	and	and	CCONJ
ajbmeb-2990	47	50	it	it	PRON
ajbmeb-2990	47	51	is	be	AUX
ajbmeb-2990	47	52	used	use	VERB
ajbmeb-2990	47	53	as	as	ADP
ajbmeb-2990	47	54	a	a	DET
ajbmeb-2990	47	55	bank	bank	NOUN
ajbmeb-2990	47	56	resource	resource	NOUN
ajbmeb-2990	47	57	.	.	PUNCT
ajbmeb-2990	48	1	ironically	ironically	ADV
ajbmeb-2990	48	2	,	,	PUNCT
ajbmeb-2990	48	3	the	the	DET
ajbmeb-2990	48	4	presence	presence	NOUN
ajbmeb-2990	48	5	of	of	ADP
ajbmeb-2990	48	6	fraud	fraud	NOUN
ajbmeb-2990	48	7	is	be	AUX
ajbmeb-2990	48	8	,	,	PUNCT
ajbmeb-2990	48	9	to	to	ADP
ajbmeb-2990	48	10	some	some	DET
ajbmeb-2990	48	11	extent	extent	NOUN
ajbmeb-2990	48	12	,	,	PUNCT
ajbmeb-2990	48	13	a	a	DET
ajbmeb-2990	48	14	hindrance	hindrance	NOUN
ajbmeb-2990	48	15	to	to	ADP
ajbmeb-2990	48	16	the	the	DET
ajbmeb-2990	48	17	introduction	introduction	NOUN
ajbmeb-2990	48	18	of	of	ADP
ajbmeb-2990	48	19	an	an	DET
ajbmeb-2990	48	20	electronic	electronic	ADJ
ajbmeb-2990	48	21	system	system	NOUN
ajbmeb-2990	48	22	for	for	ADP
ajbmeb-2990	48	23	the	the	DET
ajbmeb-2990	48	24	transfer	transfer	NOUN
ajbmeb-2990	48	25	of	of	ADP
ajbmeb-2990	48	26	large	large	ADJ
ajbmeb-2990	48	27	sums	sum	NOUN
ajbmeb-2990	48	28	of	of	ADP
ajbmeb-2990	48	29	money	money	NOUN
ajbmeb-2990	48	30	.	.	PUNCT
ajbmeb-2990	49	1	taking	take	VERB
ajbmeb-2990	49	2	into	into	ADP
ajbmeb-2990	49	3	account	account	NOUN
ajbmeb-2990	49	4	that	that	SCONJ
ajbmeb-2990	49	5	such	such	DET
ajbmeb-2990	49	6	an	an	DET
ajbmeb-2990	49	7	obstacle	obstacle	NOUN
ajbmeb-2990	49	8	may	may	AUX
ajbmeb-2990	49	9	have	have	VERB
ajbmeb-2990	49	10	a	a	DET
ajbmeb-2990	49	11	negative	negative	ADJ
ajbmeb-2990	49	12	impact	impact	NOUN
ajbmeb-2990	49	13	on	on	ADP
ajbmeb-2990	49	14	the	the	DET
ajbmeb-2990	49	15	strengthening	strengthening	NOUN
ajbmeb-2990	49	16	of	of	ADP
ajbmeb-2990	49	17	the	the	DET
ajbmeb-2990	49	18	economy	economy	NOUN
ajbmeb-2990	49	19	,	,	PUNCT
ajbmeb-2990	49	20	in	in	ADP
ajbmeb-2990	49	21	our	our	PRON
ajbmeb-2990	49	22	opinion	opinion	NOUN
ajbmeb-2990	49	23	,	,	PUNCT
ajbmeb-2990	49	24	it	it	PRON
ajbmeb-2990	49	25	is	be	AUX
ajbmeb-2990	49	26	necessary	necessary	ADJ
ajbmeb-2990	49	27	to	to	PART
ajbmeb-2990	49	28	compensate	compensate	VERB
ajbmeb-2990	49	29	for	for	ADP
ajbmeb-2990	49	30	the	the	DET
ajbmeb-2990	49	31	reduction	reduction	NOUN
ajbmeb-2990	49	32	of	of	ADP
ajbmeb-2990	49	33	float	float	NOUN
ajbmeb-2990	49	34	by	by	ADP
ajbmeb-2990	49	35	increasing	increase	VERB
ajbmeb-2990	49	36	the	the	DET
ajbmeb-2990	49	37	tariffs	tariff	NOUN
ajbmeb-2990	49	38	implemented	implement	VERB
ajbmeb-2990	49	39	by	by	ADP
ajbmeb-2990	49	40	banks	bank	NOUN
ajbmeb-2990	49	41	for	for	ADP
ajbmeb-2990	49	42	high	high	ADJ
ajbmeb-2990	49	43	-	-	PUNCT
ajbmeb-2990	49	44	speed	speed	NOUN
ajbmeb-2990	49	45	calculations	calculation	NOUN
ajbmeb-2990	49	46	.	.	PUNCT
ajbmeb-2990	50	1	the	the	DET
ajbmeb-2990	50	2	speed	speed	NOUN
ajbmeb-2990	50	3	of	of	ADP
ajbmeb-2990	50	4	payment	payment	NOUN
ajbmeb-2990	50	5	flows	flow	NOUN
ajbmeb-2990	50	6	also	also	ADV
ajbmeb-2990	50	7	raises	raise	VERB
ajbmeb-2990	50	8	the	the	DET
ajbmeb-2990	50	9	question	question	NOUN
ajbmeb-2990	50	10	of	of	ADP
ajbmeb-2990	50	11	whether	whether	SCONJ
ajbmeb-2990	50	12	ideal	ideal	ADJ
ajbmeb-2990	50	13	payments	payment	NOUN
ajbmeb-2990	50	14	translate	translate	VERB
ajbmeb-2990	50	15	into	into	ADP
ajbmeb-2990	50	16	real	real	ADJ
ajbmeb-2990	50	17	payments	payment	NOUN
ajbmeb-2990	50	18	.	.	PUNCT
ajbmeb-2990	51	1	unlike	unlike	ADP
ajbmeb-2990	51	2	real	real	ADJ
ajbmeb-2990	51	3	payments	payment	NOUN
ajbmeb-2990	51	4	,	,	PUNCT
ajbmeb-2990	51	5	ideal	ideal	ADJ
ajbmeb-2990	51	6	payments	payment	NOUN
ajbmeb-2990	51	7	are	be	AUX
ajbmeb-2990	51	8	reflected	reflect	VERB
ajbmeb-2990	51	9	in	in	ADP
ajbmeb-2990	51	10	contracts	contract	NOUN
ajbmeb-2990	51	11	,	,	PUNCT
ajbmeb-2990	51	12	deals	deal	NOUN
ajbmeb-2990	51	13	,	,	PUNCT
ajbmeb-2990	51	14	plans	plan	NOUN
ajbmeb-2990	51	15	,	,	PUNCT
ajbmeb-2990	51	16	and	and	CCONJ
ajbmeb-2990	51	17	forecasts	forecast	NOUN
ajbmeb-2990	51	18	.	.	PUNCT
ajbmeb-2990	52	1	in	in	ADP
ajbmeb-2990	52	2	particular	particular	ADJ
ajbmeb-2990	52	3	,	,	PUNCT
ajbmeb-2990	52	4	the	the	DET
ajbmeb-2990	52	5	supplier	supplier	NOUN
ajbmeb-2990	52	6	of	of	ADP
ajbmeb-2990	52	7	goods	good	NOUN
ajbmeb-2990	52	8	is	be	AUX
ajbmeb-2990	52	9	interested	interested	ADJ
ajbmeb-2990	52	10	in	in	ADP
ajbmeb-2990	52	11	when	when	SCONJ
ajbmeb-2990	52	12	the	the	DET
ajbmeb-2990	52	13	payment	payment	NOUN
ajbmeb-2990	52	14	for	for	ADP
ajbmeb-2990	52	15	his	his	PRON
ajbmeb-2990	52	16	goods	good	NOUN
ajbmeb-2990	52	17	will	will	AUX
ajbmeb-2990	52	18	be	be	AUX
ajbmeb-2990	52	19	received	receive	VERB
ajbmeb-2990	52	20	,	,	PUNCT
ajbmeb-2990	52	21	what	what	PRON
ajbmeb-2990	52	22	will	will	AUX
ajbmeb-2990	52	23	be	be	AUX
ajbmeb-2990	52	24	received	receive	VERB
ajbmeb-2990	52	25	as	as	ADP
ajbmeb-2990	52	26	payment	payment	NOUN
ajbmeb-2990	52	27	,	,	PUNCT
ajbmeb-2990	52	28	that	that	ADV
ajbmeb-2990	52	29	is	is	ADV
ajbmeb-2990	52	30	,	,	PUNCT
ajbmeb-2990	52	31	money	money	NOUN
ajbmeb-2990	52	32	or	or	CCONJ
ajbmeb-2990	52	33	the	the	DET
ajbmeb-2990	52	34	obligation	obligation	NOUN
ajbmeb-2990	52	35	to	to	PART
ajbmeb-2990	52	36	pay	pay	VERB
ajbmeb-2990	52	37	in	in	ADP
ajbmeb-2990	52	38	the	the	DET
ajbmeb-2990	52	39	future	future	NOUN
ajbmeb-2990	52	40	.	.	PUNCT
ajbmeb-2990	53	1	on	on	ADP
ajbmeb-2990	53	2	the	the	DET
ajbmeb-2990	53	3	other	other	ADJ
ajbmeb-2990	53	4	hand	hand	NOUN
ajbmeb-2990	53	5	,	,	PUNCT
ajbmeb-2990	53	6	real	real	ADJ
ajbmeb-2990	53	7	payments	payment	NOUN
ajbmeb-2990	53	8	confirm	confirm	VERB
ajbmeb-2990	53	9	the	the	DET
ajbmeb-2990	53	10	usefulness	usefulness	NOUN
ajbmeb-2990	53	11	of	of	ADP
ajbmeb-2990	53	12	the	the	DET
ajbmeb-2990	53	13	goods	good	NOUN
ajbmeb-2990	53	14	produced	produce	VERB
ajbmeb-2990	53	15	by	by	ADP
ajbmeb-2990	53	16	him	he	PRON
ajbmeb-2990	53	17	to	to	ADP
ajbmeb-2990	53	18	the	the	DET
ajbmeb-2990	53	19	supplier	supplier	NOUN
ajbmeb-2990	53	20	,	,	PUNCT
ajbmeb-2990	53	21	create	create	VERB
ajbmeb-2990	53	22	a	a	DET
ajbmeb-2990	53	23	basis	basis	NOUN
ajbmeb-2990	53	24	for	for	ADP
ajbmeb-2990	53	25	renewal	renewal	NOUN
ajbmeb-2990	53	26	and	and	CCONJ
ajbmeb-2990	53	27	,	,	PUNCT
ajbmeb-2990	53	28	in	in	ADP
ajbmeb-2990	53	29	many	many	ADJ
ajbmeb-2990	53	30	cases	case	NOUN
ajbmeb-2990	53	31	,	,	PUNCT
ajbmeb-2990	53	32	expansion	expansion	NOUN
ajbmeb-2990	53	33	of	of	ADP
ajbmeb-2990	53	34	the	the	DET
ajbmeb-2990	53	35	production	production	NOUN
ajbmeb-2990	53	36	of	of	ADP
ajbmeb-2990	53	37	goods	good	NOUN
ajbmeb-2990	53	38	.	.	PUNCT
ajbmeb-2990	54	1	the	the	DET
ajbmeb-2990	54	2	impact	impact	NOUN
ajbmeb-2990	54	3	of	of	ADP
ajbmeb-2990	54	4	payments	payment	NOUN
ajbmeb-2990	54	5	on	on	ADP
ajbmeb-2990	54	6	the	the	DET
ajbmeb-2990	54	7	rate	rate	NOUN
ajbmeb-2990	54	8	of	of	ADP
ajbmeb-2990	54	9	development	development	NOUN
ajbmeb-2990	54	10	or	or	CCONJ
ajbmeb-2990	54	11	decline	decline	NOUN
ajbmeb-2990	54	12	of	of	ADP
ajbmeb-2990	54	13	production	production	NOUN
ajbmeb-2990	54	14	depends	depend	VERB
ajbmeb-2990	54	15	to	to	ADP
ajbmeb-2990	54	16	a	a	DET
ajbmeb-2990	54	17	large	large	ADJ
ajbmeb-2990	54	18	extent	extent	NOUN
ajbmeb-2990	54	19	on	on	ADP
ajbmeb-2990	54	20	the	the	DET
ajbmeb-2990	54	21	ratio	ratio	NOUN
ajbmeb-2990	54	22	(	(	PUNCT
ajbmeb-2990	54	23	proportions	proportion	NOUN
ajbmeb-2990	54	24	)	)	PUNCT
ajbmeb-2990	54	25	of	of	ADP
ajbmeb-2990	54	26	their	their	PRON
ajbmeb-2990	54	27	division	division	NOUN
ajbmeb-2990	54	28	into	into	ADP
ajbmeb-2990	54	29	commodity	commodity	NOUN
ajbmeb-2990	54	30	and	and	CCONJ
ajbmeb-2990	54	31	non	non	ADJ
ajbmeb-2990	54	32	-	-	NOUN
ajbmeb-2990	54	33	commodity	commodity	ADJ
ajbmeb-2990	54	34	payments.in	payments.in	PRON
ajbmeb-2990	54	35	contrast	contrast	VERB
ajbmeb-2990	54	36	to	to	ADP
ajbmeb-2990	54	37	commodity	commodity	NOUN
ajbmeb-2990	54	38	payment	payment	NOUN
ajbmeb-2990	54	39	circulation	circulation	NOUN
ajbmeb-2990	54	40	,	,	PUNCT
ajbmeb-2990	54	41	which	which	PRON
ajbmeb-2990	54	42	is	be	AUX
ajbmeb-2990	54	43	characterized	characterize	VERB
ajbmeb-2990	54	44	by	by	ADP
ajbmeb-2990	54	45	the	the	DET
ajbmeb-2990	54	46	receipt	receipt	NOUN
ajbmeb-2990	54	47	of	of	ADP
ajbmeb-2990	54	48	money	money	NOUN
ajbmeb-2990	54	49	by	by	ADP
ajbmeb-2990	54	50	the	the	DET
ajbmeb-2990	54	51	seller	seller	NOUN
ajbmeb-2990	54	52	in	in	ADP
ajbmeb-2990	54	53	accordance	accordance	NOUN
ajbmeb-2990	54	54	with	with	ADP
ajbmeb-2990	54	55	the	the	DET
ajbmeb-2990	54	56	exchange	exchange	NOUN
ajbmeb-2990	54	57	of	of	ADP
ajbmeb-2990	54	58	goods	good	NOUN
ajbmeb-2990	54	59	,	,	PUNCT
ajbmeb-2990	54	60	in	in	ADP
ajbmeb-2990	54	61	the	the	DET
ajbmeb-2990	54	62	non	non	ADJ
ajbmeb-2990	54	63	-	-	ADJ
ajbmeb-2990	54	64	commodity	commodity	ADJ
ajbmeb-2990	54	65	payment	payment	NOUN
ajbmeb-2990	54	66	circulation	circulation	NOUN
ajbmeb-2990	54	67	,	,	PUNCT
ajbmeb-2990	54	68	for	for	ADP
ajbmeb-2990	54	69	example	example	NOUN
ajbmeb-2990	54	70	,	,	PUNCT
ajbmeb-2990	54	71	the	the	DET
ajbmeb-2990	54	72	tax	tax	NOUN
ajbmeb-2990	54	73	inspectorate	inspectorate	NOUN
ajbmeb-2990	54	74	receives	receive	VERB
ajbmeb-2990	54	75	money	money	NOUN
ajbmeb-2990	54	76	in	in	ADP
ajbmeb-2990	54	77	accordance	accordance	NOUN
ajbmeb-2990	54	78	with	with	ADP
ajbmeb-2990	54	79	the	the	DET
ajbmeb-2990	54	80	tax	tax	NOUN
ajbmeb-2990	54	81	liability	liability	NOUN
ajbmeb-2990	54	82	of	of	ADP
ajbmeb-2990	54	83	the	the	DET
ajbmeb-2990	54	84	taxpayer	taxpayer	NOUN
ajbmeb-2990	54	85	,	,	PUNCT
ajbmeb-2990	54	86	in	in	ADP
ajbmeb-2990	54	87	accordance	accordance	NOUN
ajbmeb-2990	54	88	with	with	ADP
ajbmeb-2990	54	89	the	the	DET
ajbmeb-2990	54	90	loan	loan	NOUN
ajbmeb-2990	54	91	obligation	obligation	NOUN
ajbmeb-2990	54	92	,	,	PUNCT
ajbmeb-2990	54	93	the	the	DET
ajbmeb-2990	54	94	bank	bank	NOUN
ajbmeb-2990	54	95	receives	receive	VERB
ajbmeb-2990	54	96	the	the	DET
ajbmeb-2990	54	97	money	money	NOUN
ajbmeb-2990	54	98	of	of	ADP
ajbmeb-2990	54	99	the	the	DET
ajbmeb-2990	54	100	borrower	borrower	NOUN
ajbmeb-2990	54	101	,	,	PUNCT
ajbmeb-2990	54	102	based	base	VERB
ajbmeb-2990	54	103	on	on	ADP
ajbmeb-2990	54	104	the	the	DET
ajbmeb-2990	54	105	exchange	exchange	NOUN
ajbmeb-2990	54	106	of	of	ADP
ajbmeb-2990	54	107	the	the	DET
ajbmeb-2990	54	108	bank	bank	NOUN
ajbmeb-2990	54	109	obligation	obligation	NOUN
ajbmeb-2990	54	110	,	,	PUNCT
ajbmeb-2990	54	111	the	the	DET
ajbmeb-2990	54	112	bank	bank	NOUN
ajbmeb-2990	54	113	receives	receive	VERB
ajbmeb-2990	54	114	the	the	DET
ajbmeb-2990	54	115	money	money	NOUN
ajbmeb-2990	54	116	of	of	ADP
ajbmeb-2990	54	117	the	the	DET
ajbmeb-2990	54	118	creditor	creditor	NOUN
ajbmeb-2990	54	119	who	who	PRON
ajbmeb-2990	54	120	deposited	deposit	VERB
ajbmeb-2990	54	121	money	money	NOUN
ajbmeb-2990	54	122	etc	etc	X
ajbmeb-2990	54	123	.	.	PUNCT
ajbmeb-2990	55	1	so	so	ADV
ajbmeb-2990	55	2	,	,	PUNCT
ajbmeb-2990	55	3	in	in	ADP
ajbmeb-2990	55	4	the	the	DET
ajbmeb-2990	55	5	noncommodity	noncommodity	NOUN
ajbmeb-2990	55	6	payment	payment	NOUN
ajbmeb-2990	55	7	circulation	circulation	NOUN
ajbmeb-2990	55	8	,	,	PUNCT
ajbmeb-2990	55	9	money	money	NOUN
ajbmeb-2990	55	10	is	be	AUX
ajbmeb-2990	55	11	exchanged	exchange	VERB
ajbmeb-2990	55	12	for	for	ADP
ajbmeb-2990	55	13	debt	debt	NOUN
ajbmeb-2990	55	14	or	or	CCONJ
ajbmeb-2990	55	15	credit	credit	NOUN
ajbmeb-2990	55	16	obligations	obligation	NOUN
ajbmeb-2990	55	17	.	.	PUNCT
ajbmeb-2990	56	1	a	a	DET
ajbmeb-2990	56	2	commodity	commodity	NOUN
ajbmeb-2990	56	3	-	-	PUNCT
ajbmeb-2990	56	4	free	free	ADJ
ajbmeb-2990	56	5	payment	payment	NOUN
ajbmeb-2990	56	6	circulation	circulation	NOUN
ajbmeb-2990	56	7	has	have	VERB
ajbmeb-2990	56	8	its	its	PRON
ajbmeb-2990	56	9	own	own	ADJ
ajbmeb-2990	56	10	value	value	NOUN
ajbmeb-2990	56	11	content	content	NOUN
ajbmeb-2990	56	12	.	.	PUNCT
ajbmeb-2990	57	1	in	in	ADP
ajbmeb-2990	57	2	terms	term	NOUN
ajbmeb-2990	57	3	of	of	ADP
ajbmeb-2990	57	4	their	their	PRON
ajbmeb-2990	57	5	value	value	NOUN
ajbmeb-2990	57	6	substance	substance	NOUN
ajbmeb-2990	57	7	,	,	PUNCT
ajbmeb-2990	57	8	non	non	ADJ
ajbmeb-2990	57	9	-	-	ADJ
ajbmeb-2990	57	10	commodity	commodity	ADJ
ajbmeb-2990	57	11	payments	payment	NOUN
ajbmeb-2990	57	12	are	be	AUX
ajbmeb-2990	57	13	equal	equal	ADJ
ajbmeb-2990	57	14	to	to	ADP
ajbmeb-2990	57	15	commodity	commodity	NOUN
ajbmeb-2990	57	16	payments	payment	NOUN
ajbmeb-2990	57	17	,	,	PUNCT
ajbmeb-2990	57	18	although	although	SCONJ
ajbmeb-2990	57	19	they	they	PRON
ajbmeb-2990	57	20	are	be	AUX
ajbmeb-2990	57	21	part	part	NOUN
ajbmeb-2990	57	22	of	of	ADP
ajbmeb-2990	57	23	the	the	DET
ajbmeb-2990	57	24	value	value	NOUN
ajbmeb-2990	57	25	of	of	ADP
ajbmeb-2990	57	26	the	the	DET
ajbmeb-2990	57	27	commodity	commodity	NOUN
ajbmeb-2990	57	28	,	,	PUNCT
ajbmeb-2990	57	29	although	although	SCONJ
ajbmeb-2990	57	30	they	they	PRON
ajbmeb-2990	57	31	are	be	AUX
ajbmeb-2990	57	32	not	not	PART
ajbmeb-2990	57	33	equal	equal	ADJ
ajbmeb-2990	57	34	in	in	ADP
ajbmeb-2990	57	35	terms	term	NOUN
ajbmeb-2990	57	36	of	of	ADP
ajbmeb-2990	57	37	their	their	PRON
ajbmeb-2990	57	38	role	role	NOUN
ajbmeb-2990	57	39	in	in	ADP
ajbmeb-2990	57	40	the	the	DET
ajbmeb-2990	57	41	economy	economy	NOUN
ajbmeb-2990	57	42	.	.	PUNCT
ajbmeb-2990	58	1	the	the	DET
ajbmeb-2990	58	2	dynamics	dynamic	NOUN
ajbmeb-2990	58	3	(	(	PUNCT
ajbmeb-2990	58	4	change	change	NOUN
ajbmeb-2990	58	5	)	)	PUNCT
ajbmeb-2990	58	6	of	of	ADP
ajbmeb-2990	58	7	the	the	DET
ajbmeb-2990	58	8	structural	structural	ADJ
ajbmeb-2990	58	9	structure	structure	NOUN
ajbmeb-2990	58	10	of	of	ADP
ajbmeb-2990	58	11	the	the	DET
ajbmeb-2990	58	12	payment	payment	NOUN
ajbmeb-2990	58	13	circulation	circulation	NOUN
ajbmeb-2990	58	14	by	by	ADP
ajbmeb-2990	58	15	the	the	DET
ajbmeb-2990	58	16	sign	sign	NOUN
ajbmeb-2990	58	17	of	of	ADP
ajbmeb-2990	58	18	commodity	commodity	NOUN
ajbmeb-2990	58	19	and	and	CCONJ
ajbmeb-2990	58	20	non	non	ADJ
ajbmeb-2990	58	21	-	-	ADJ
ajbmeb-2990	58	22	commodity	commodity	ADJ
ajbmeb-2990	58	23	payments	payment	NOUN
ajbmeb-2990	58	24	reflects	reflect	VERB
ajbmeb-2990	58	25	the	the	DET
ajbmeb-2990	58	26	change	change	NOUN
ajbmeb-2990	58	27	in	in	ADP
ajbmeb-2990	58	28	the	the	DET
ajbmeb-2990	58	29	quality	quality	NOUN
ajbmeb-2990	58	30	relations	relation	NOUN
ajbmeb-2990	58	31	of	of	ADP
ajbmeb-2990	58	32	the	the	DET
ajbmeb-2990	58	33	payment	payment	NOUN
ajbmeb-2990	58	34	circulation	circulation	NOUN
ajbmeb-2990	58	35	.	.	PUNCT
ajbmeb-2990	59	1	thus	thus	ADV
ajbmeb-2990	59	2	,	,	PUNCT
ajbmeb-2990	59	3	above	above	ADV
ajbmeb-2990	59	4	,	,	PUNCT
ajbmeb-2990	59	5	we	we	PRON
ajbmeb-2990	59	6	tried	try	VERB
ajbmeb-2990	59	7	to	to	PART
ajbmeb-2990	59	8	highlight	highlight	VERB
ajbmeb-2990	59	9	the	the	DET
ajbmeb-2990	59	10	categorical	categorical	ADJ
ajbmeb-2990	59	11	features	feature	NOUN
ajbmeb-2990	59	12	of	of	ADP
ajbmeb-2990	59	13	"	"	PUNCT
ajbmeb-2990	59	14	payment	payment	NOUN
ajbmeb-2990	59	15	"	"	PUNCT
ajbmeb-2990	59	16	that	that	PRON
ajbmeb-2990	59	17	serve	serve	VERB
ajbmeb-2990	59	18	to	to	PART
ajbmeb-2990	59	19	reveal	reveal	VERB
ajbmeb-2990	59	20	the	the	DET
ajbmeb-2990	59	21	nature	nature	NOUN
ajbmeb-2990	59	22	of	of	ADP
ajbmeb-2990	59	23	payment	payment	NOUN
ajbmeb-2990	59	24	circulation	circulation	NOUN
ajbmeb-2990	59	25	and	and	CCONJ
ajbmeb-2990	59	26	to	to	PART
ajbmeb-2990	59	27	define	define	VERB
ajbmeb-2990	59	28	the	the	DET
ajbmeb-2990	59	29	contours	contours	NOUN
ajbmeb-2990	59	30	of	of	ADP
ajbmeb-2990	59	31	the	the	DET
ajbmeb-2990	59	32	movement	movement	NOUN
ajbmeb-2990	59	33	of	of	ADP
ajbmeb-2990	59	34	"	"	PUNCT
ajbmeb-2990	59	35	payment	payment	NOUN
ajbmeb-2990	59	36	flows	flow	VERB
ajbmeb-2990	59	37	"	"	PUNCT
ajbmeb-2990	59	38	.	.	PUNCT
ajbmeb-2990	60	1	all	all	DET
ajbmeb-2990	60	2	this	this	PRON
ajbmeb-2990	60	3	,	,	PUNCT
ajbmeb-2990	60	4	in	in	ADP
ajbmeb-2990	60	5	our	our	PRON
ajbmeb-2990	60	6	opinion	opinion	NOUN
ajbmeb-2990	60	7	,	,	PUNCT
ajbmeb-2990	60	8	serves	serve	VERB
ajbmeb-2990	60	9	to	to	PART
ajbmeb-2990	60	10	reveal	reveal	VERB
ajbmeb-2990	60	11	the	the	DET
ajbmeb-2990	60	12	nature	nature	NOUN
ajbmeb-2990	60	13	of	of	ADP
ajbmeb-2990	60	14	payment	payment	NOUN
ajbmeb-2990	60	15	circulation	circulation	NOUN
ajbmeb-2990	60	16	more	more	ADV
ajbmeb-2990	60	17	fully	fully	ADV
ajbmeb-2990	60	18	and	and	CCONJ
ajbmeb-2990	60	19	more	more	ADV
ajbmeb-2990	60	20	clearly	clearly	ADV
ajbmeb-2990	60	21	.	.	PUNCT
ajbmeb-2990	61	1	references	reference	NOUN
ajbmeb-2990	61	2	.	.	PUNCT
ajbmeb-2990	62	1	1	1	X
ajbmeb-2990	62	2	.	.	X
ajbmeb-2990	62	3	berezina	berezina	PROPN
ajbmeb-2990	62	4	m.p	m.p	PROPN
ajbmeb-2990	62	5	.	.	PROPN
ajbmeb-2990	62	6	cashless	cashless	NOUN
ajbmeb-2990	62	7	payments	payment	NOUN
ajbmeb-2990	62	8	in	in	ADP
ajbmeb-2990	62	9	the	the	DET
ajbmeb-2990	62	10	russian	russian	ADJ
ajbmeb-2990	62	11	economy	economy	NOUN
ajbmeb-2990	62	12	.	.	PUNCT
ajbmeb-2990	63	1	practice	practice	NOUN
ajbmeb-2990	63	2	analysis	analysis	NOUN
ajbmeb-2990	63	3	.	.	PUNCT
ajbmeb-2990	64	1	m	m	VERB
ajbmeb-2990	64	2	.	.	PUNCT
ajbmeb-2990	64	3	:	:	PUNCT
ajbmeb-2990	65	1	jsc	jsc	PROPN
ajbmeb-2990	65	2	"	"	PUNCT
ajbmeb-2990	65	3	consultbanker	consultbanker	PROPN
ajbmeb-2990	65	4	"	"	PUNCT
ajbmeb-2990	65	5	,	,	PUNCT
ajbmeb-2990	65	6	1997	1997	NUM
ajbmeb-2990	65	7	.	.	PUNCT
ajbmeb-2990	66	1	-p.5	-p.5	X
ajbmeb-2990	66	2	.	.	PUNCT
ajbmeb-2990	67	1	[	[	X
ajbmeb-2990	67	2	1],[2	1],[2	X
ajbmeb-2990	67	3	]	]	X
ajbmeb-2990	67	4	2	2	X
ajbmeb-2990	67	5	.	.	PUNCT
ajbmeb-2990	67	6	raizberg	raizberg	PROPN
ajbmeb-2990	67	7	b.a	b.a	PROPN
ajbmeb-2990	67	8	.	.	PROPN
ajbmeb-2990	67	9	,	,	PUNCT
ajbmeb-2990	67	10	lozovsky	lozovsky	PROPN
ajbmeb-2990	67	11	l.sh	l.sh	PROPN
ajbmeb-2990	67	12	.	.	PROPN
ajbmeb-2990	67	13	,	,	PUNCT
ajbmeb-2990	67	14	starodubtseva	starodubtseva	PROPN
ajbmeb-2990	68	1	e.b	e.b	PROPN
ajbmeb-2990	68	2	.	.	PROPN
ajbmeb-2990	68	3	modern	modern	ADJ
ajbmeb-2990	68	4	economic	economic	PROPN
ajbmeb-2990	68	5	dictionary	dictionary	PROPN
ajbmeb-2990	68	6	.	.	PUNCT
ajbmeb-2990	69	1	m.	m.	NOUN
ajbmeb-2990	69	2	:	:	PUNCT
ajbmeb-2990	69	3	infra	infra	NOUN
ajbmeb-2990	69	4	-	-	PUNCT
ajbmeb-2990	69	5	m	m	NOUN
ajbmeb-2990	69	6	,	,	PUNCT
ajbmeb-2990	69	7	2000	2000	NUM
ajbmeb-2990	69	8	.	.	PUNCT
ajbmeb-2990	70	1	p.	p.	NOUN
ajbmeb-2990	70	2	288	288	NUM
ajbmeb-2990	70	3	.	.	PUNCT
ajbmeb-2990	71	1	3	3	X
ajbmeb-2990	71	2	.	.	X
ajbmeb-2990	71	3	borisov	borisov	PROPN
ajbmeb-2990	71	4	a.b	a.b	PROPN
ajbmeb-2990	71	5	.	.	PROPN
ajbmeb-2990	71	6	big	big	ADJ
ajbmeb-2990	71	7	economic	economic	PROPN
ajbmeb-2990	71	8	dictionary	dictionary	PROPN
ajbmeb-2990	71	9	.	.	PUNCT
ajbmeb-2990	72	1	–	–	PUNCT
ajbmeb-2990	72	2	m.	m.	NOUN
ajbmeb-2990	72	3	:	:	PUNCT
ajbmeb-2990	72	4	knizhny	knizhny	PROPN
ajbmeb-2990	72	5	mir	mir	PROPN
ajbmeb-2990	72	6	,	,	PUNCT
ajbmeb-2990	72	7	2003	2003	NUM
ajbmeb-2990	72	8	.	.	PUNCT
ajbmeb-2990	73	1	–	–	PUNCT
ajbmeb-2990	73	2	p.	p.	NOUN
ajbmeb-2990	73	3	895	895	NUM
ajbmeb-2990	73	4	.	.	PUNCT
ajbmeb-2990	74	1	[	[	X
ajbmeb-2990	74	2	3	3	NUM
ajbmeb-2990	74	3	]	]	SYM
ajbmeb-2990	74	4	4	4	NUM
ajbmeb-2990	74	5	.	.	X
ajbmeb-2990	74	6	kosoy	kosoy	PROPN
ajbmeb-2990	74	7	a.m.	a.m.	PROPN
ajbmeb-2990	75	1	payment	payment	NOUN
ajbmeb-2990	75	2	turnover	turnover	NOUN
ajbmeb-2990	75	3	:	:	PUNCT
ajbmeb-2990	75	4	research	research	NOUN
ajbmeb-2990	75	5	and	and	CCONJ
ajbmeb-2990	75	6	recommendations	recommendation	NOUN
ajbmeb-2990	75	7	.	.	PUNCT
ajbmeb-2990	76	1	m.	m.	NOUN
ajbmeb-2990	76	2	:	:	PUNCT
ajbmeb-2990	76	3	finance	finance	NOUN
ajbmeb-2990	76	4	and	and	CCONJ
ajbmeb-2990	76	5	statistics	statistic	NOUN
ajbmeb-2990	76	6	,	,	PUNCT
ajbmeb-2990	76	7	2005	2005	NUM
ajbmeb-2990	76	8	.	.	PUNCT
ajbmeb-2990	77	1	264	264	NUM
ajbmeb-2990	77	2	p.	p.	NOUN
ajbmeb-2990	77	3	[	[	X
ajbmeb-2990	77	4	4	4	X
ajbmeb-2990	77	5	]	]	X
ajbmeb-2990	77	6	american	american	ADJ
ajbmeb-2990	77	7	journal	journal	PROPN
ajbmeb-2990	77	8	of	of	ADP
ajbmeb-2990	77	9	business	business	NOUN
ajbmeb-2990	77	10	management	management	NOUN
ajbmeb-2990	77	11	,	,	PUNCT
ajbmeb-2990	77	12	economics	economic	NOUN
ajbmeb-2990	77	13	and	and	CCONJ
ajbmeb-2990	77	14	banking	banking	NOUN
ajbmeb-2990	77	15	volume	volume	NOUN
ajbmeb-2990	77	16	37	37	NUM
ajbmeb-2990	77	17	june2025	june2025	PROPN
ajbmeb-2990	77	18	p	p	NOUN
ajbmeb-2990	77	19	a	a	DET
ajbmeb-2990	77	20	g	g	NOUN
ajbmeb-2990	77	21	e	e	NOUN
ajbmeb-2990	77	22	|	|	ADV
ajbmeb-2990	77	23	52	52	NUM
ajbmeb-2990	77	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2990	77	25	5	5	NUM
ajbmeb-2990	77	26	.	.	PUNCT
ajbmeb-2990	77	27	dostov	dostov	PROPN
ajbmeb-2990	77	28	v.l	v.l	PROPN
ajbmeb-2990	77	29	.	.	PROPN
ajbmeb-2990	77	30	,	,	PUNCT
ajbmeb-2990	77	31	shust	shust	ADV
ajbmeb-2990	77	32	p.m.	p.m.	ADV
ajbmeb-2990	77	33	,	,	PUNCT
ajbmeb-2990	77	34	valinurova	valinurova	PROPN
ajbmeb-2990	77	35	a.a	a.a	PROPN
ajbmeb-2990	77	36	.	.	PROPN
ajbmeb-2990	77	37	,	,	PUNCT
ajbmeb-2990	77	38	puxov	puxov	PROPN
ajbmeb-2990	77	39	a.v	a.v	PROPN
ajbmeb-2990	77	40	.	.	PROPN
ajbmeb-2990	78	1	(	(	PUNCT
ajbmeb-2990	78	2	2012	2012	NUM
ajbmeb-2990	78	3	)	)	PUNCT
ajbmeb-2990	78	4	electronic	electronic	ADJ
ajbmeb-2990	78	5	finance	finance	NOUN
ajbmeb-2990	78	6	.	.	PUNCT
ajbmeb-2990	79	1	mify	mify	VERB
ajbmeb-2990	79	2	in	in	ADP
ajbmeb-2990	79	3	reality	reality	NOUN
ajbmeb-2990	79	4	/	/	PUNCT
ajbmeb-2990	79	5	-m	-m	INTJ
ajbmeb-2990	79	6	.	.	PUNCT
ajbmeb-2990	79	7	:	:	PUNCT
ajbmeb-2990	80	1	knorus	knorus	PROPN
ajbmeb-2990	80	2	:	:	PUNCT
ajbmeb-2990	80	3	tsipsir	tsipsir	NOUN
ajbmeb-2990	80	4	,	,	PUNCT
ajbmeb-2990	80	5	-232	-232	PROPN
ajbmeb-2990	80	6	p.	p.	NOUN
ajbmeb-2990	80	7	6	6	NUM
ajbmeb-2990	80	8	.	.	PUNCT
ajbmeb-2990	81	1	payment	payment	NOUN
ajbmeb-2990	81	2	and	and	CCONJ
ajbmeb-2990	81	3	settlement	settlement	NOUN
ajbmeb-2990	81	4	systems	system	NOUN
ajbmeb-2990	81	5	.	.	PUNCT
ajbmeb-2990	82	1	international	international	ADJ
ajbmeb-2990	82	2	experience	experience	NOUN
ajbmeb-2990	82	3	.	.	PUNCT
ajbmeb-2990	83	1	innovations	innovation	NOUN
ajbmeb-2990	83	2	in	in	ADP
ajbmeb-2990	83	3	retail	retail	ADJ
ajbmeb-2990	83	4	payments	payment	NOUN
ajbmeb-2990	83	5	.	.	PUNCT
ajbmeb-2990	84	1	issue	issue	NOUN
ajbmeb-2990	84	2	43	43	NUM
ajbmeb-2990	84	3	.	.	PUNCT
ajbmeb-2990	85	1	the	the	DET
ajbmeb-2990	85	2	issue	issue	NOUN
ajbmeb-2990	85	3	was	be	AUX
ajbmeb-2990	85	4	prepared	prepare	VERB
ajbmeb-2990	85	5	by	by	ADP
ajbmeb-2990	85	6	the	the	DET
ajbmeb-2990	85	7	national	national	ADJ
ajbmeb-2990	85	8	payment	payment	NOUN
ajbmeb-2990	85	9	system	system	NOUN
ajbmeb-2990	85	10	department	department	NOUN
ajbmeb-2990	85	11	of	of	ADP
ajbmeb-2990	85	12	the	the	DET
ajbmeb-2990	85	13	bank	bank	NOUN
ajbmeb-2990	85	14	of	of	ADP
ajbmeb-2990	85	15	russia	russia	PROPN
ajbmeb-2990	85	16	.	.	PUNCT
ajbmeb-2990	86	1	c.8	c.8	VERB
ajbmeb-2990	86	2	(	(	PUNCT
ajbmeb-2990	86	3	www.cbr.ru	www.cbr.ru	X
ajbmeb-2990	86	4	)	)	PUNCT
ajbmeb-2990	86	5	7	7	NUM
ajbmeb-2990	86	6	.	.	PUNCT
ajbmeb-2990	87	1	raximova	raximova	PROPN
ajbmeb-2990	87	2	x.u	x.u	PROPN
ajbmeb-2990	87	3	.	.	PUNCT
ajbmeb-2990	88	1	(	(	PUNCT
ajbmeb-2990	88	2	2016	2016	NUM
ajbmeb-2990	88	3	)	)	PUNCT
ajbmeb-2990	88	4	cashless	cashless	NOUN
ajbmeb-2990	88	5	payments	payment	NOUN
ajbmeb-2990	88	6	and	and	CCONJ
ajbmeb-2990	88	7	payment	payment	NOUN
ajbmeb-2990	88	8	system	system	NOUN
ajbmeb-2990	88	9	.	.	PUNCT
ajbmeb-2990	89	1	study	study	NOUN
ajbmeb-2990	89	2	guide	guide	NOUN
ajbmeb-2990	89	3	.	.	PUNCT
ajbmeb-2990	90	1	t	t	PROPN
ajbmeb-2990	90	2	.	.	PUNCT
ajbmeb-2990	90	3	:	:	PUNCT
ajbmeb-2990	91	1	finance	finance	NOUN
ajbmeb-2990	91	2	.	.	PUNCT
ajbmeb-2990	92	1	299	299	NUM
ajbmeb-2990	92	2	b.	b.	NOUN
ajbmeb-2990	92	3	8	8	NUM
ajbmeb-2990	92	4	.	.	PUNCT
ajbmeb-2990	92	5	rakhimova	rakhimova	PROPN
ajbmeb-2990	92	6	h.u	h.u	PROPN
ajbmeb-2990	92	7	.	.	PUNCT
ajbmeb-2990	93	1	(	(	PUNCT
ajbmeb-2990	93	2	2017	2017	NUM
ajbmeb-2990	93	3	)	)	PUNCT
ajbmeb-2990	93	4	e	e	NOUN
ajbmeb-2990	93	5	-	-	NOUN
ajbmeb-2990	93	6	commerce	commerce	NOUN
ajbmeb-2990	93	7	in	in	ADP
ajbmeb-2990	93	8	uzbekistan	uzbekistan	PROPN
ajbmeb-2990	93	9	:	:	PUNCT
ajbmeb-2990	93	10	state	state	NOUN
ajbmeb-2990	93	11	,	,	PUNCT
ajbmeb-2990	93	12	problems	problem	NOUN
ajbmeb-2990	93	13	and	and	CCONJ
ajbmeb-2990	93	14	ways	way	NOUN
ajbmeb-2990	93	15	of	of	ADP
ajbmeb-2990	93	16	development	development	NOUN
ajbmeb-2990	93	17	.	.	PUNCT
ajbmeb-2990	94	1	t	t	PROPN
ajbmeb-2990	94	2	.	.	PUNCT
ajbmeb-2990	94	3	:	:	PUNCT
ajbmeb-2990	95	1	finance	finance	NOUN
ajbmeb-2990	95	2	.	.	PUNCT
ajbmeb-2990	96	1	111	111	NUM
ajbmeb-2990	96	2	b.	b.	NOUN
ajbmeb-2990	96	3	9	9	NUM
ajbmeb-2990	96	4	.	.	PUNCT
ajbmeb-2990	96	5	taraqqiyot.uz	taraqqiyot.uz	NUM
ajbmeb-2990	96	6	website	website	NOUN
ajbmeb-2990	96	7	http://taraqqiyot.uz/2018-year-of-active-entrepreneurship	http://taraqqiyot.uz/2018-year-of-active-entrepreneurship	NOUN
ajbmeb-2990	96	8	innovation	innovation	NOUN
ajbmeb-2990	96	9	ideas	idea	NOUN
ajbmeb-2990	96	10	and	and	CCONJ
ajbmeb-2990	96	11	technologies	technology	NOUN
ajbmeb-2990	96	12	http://www.cbr.ru/	http://www.cbr.ru/	PROPN