id	sid	tid	token	lemma	pos
ajbmeb-3081	1	1	american	american	PROPN
ajbmeb-3081	1	2	journal	journal	PROPN
ajbmeb-3081	1	3	of	of	ADP
ajbmeb-3081	1	4	business	business	NOUN
ajbmeb-3081	1	5	management	management	NOUN
ajbmeb-3081	1	6	,	,	PUNCT
ajbmeb-3081	1	7	economics	economic	NOUN
ajbmeb-3081	1	8	and	and	CCONJ
ajbmeb-3081	1	9	banking	banking	NOUN
ajbmeb-3081	1	10	issn	issn	PROPN
ajbmeb-3081	1	11	(	(	PUNCT
ajbmeb-3081	1	12	e	e	NOUN
ajbmeb-3081	1	13	):	):	PUNCT
ajbmeb-3081	1	14	2832	2832	NUM
ajbmeb-3081	1	15	-	-	SYM
ajbmeb-3081	1	16	8078	8078	NUM
ajbmeb-3081	1	17	volume	volume	NOUN
ajbmeb-3081	1	18	40	40	NUM
ajbmeb-3081	1	19	,	,	PUNCT
ajbmeb-3081	1	20	september	september	PROPN
ajbmeb-3081	1	21	2025	2025	NUM
ajbmeb-3081	1	22	p	p	NOUN
ajbmeb-3081	2	1	a	a	DET
ajbmeb-3081	2	2	g	g	NOUN
ajbmeb-3081	2	3	e	e	NOUN
ajbmeb-3081	2	4	|	|	ADV
ajbmeb-3081	2	5	24	24	NUM
ajbmeb-3081	2	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	2	7	scientific	scientific	ADJ
ajbmeb-3081	2	8	-	-	PUNCT
ajbmeb-3081	2	9	theoretical	theoretical	ADJ
ajbmeb-3081	2	10	approaches	approach	NOUN
ajbmeb-3081	2	11	to	to	ADP
ajbmeb-3081	2	12	clarifying	clarify	VERB
ajbmeb-3081	2	13	international	international	ADJ
ajbmeb-3081	2	14	transformation	transformation	NOUN
ajbmeb-3081	2	15	processes	process	NOUN
ajbmeb-3081	2	16	in	in	ADP
ajbmeb-3081	2	17	the	the	DET
ajbmeb-3081	2	18	activities	activity	NOUN
ajbmeb-3081	2	19	of	of	ADP
ajbmeb-3081	2	20	commercial	commercial	ADJ
ajbmeb-3081	2	21	banks	bank	NOUN
ajbmeb-3081	2	22	khashimov	khashimov	PROPN
ajbmeb-3081	2	23	ogabek	ogabek	ADV
ajbmeb-3081	2	24	nizamjon	nizamjon	PROPN
ajbmeb-3081	2	25	ugli	ugli	PROPN
ajbmeb-3081	2	26	trustbank	trustbank	PROPN
ajbmeb-3081	2	27	”	"	PUNCT
ajbmeb-3081	2	28	jsc	jsc	PROPN
ajbmeb-3081	2	29	yakkasaray	yakkasaray	NOUN
ajbmeb-3081	2	30	banking	banking	PROPN
ajbmeb-3081	2	31	services	services	PROPN
ajbmeb-3081	2	32	office	office	NOUN
ajbmeb-3081	2	33	leader	leader	NOUN
ajbmeb-3081	2	34	specialist	specialist	NOUN
ajbmeb-3081	2	35	a	a	DET
ajbmeb-3081	2	36	b	b	PROPN
ajbmeb-3081	2	37	s	s	ADP
ajbmeb-3081	2	38	t	t	PROPN
ajbmeb-3081	2	39	r	r	NOUN
ajbmeb-3081	2	40	a	a	DET
ajbmeb-3081	2	41	c	c	NOUN
ajbmeb-3081	2	42	t	t	NOUN
ajbmeb-3081	3	1	k	k	X
ajbmeb-3081	3	2	e	e	PROPN
ajbmeb-3081	3	3	y	y	PROPN
ajbmeb-3081	3	4	w	w	NOUN
ajbmeb-3081	3	5	o	o	NOUN
ajbmeb-3081	3	6	r	r	NOUN
ajbmeb-3081	3	7	d	d	X
ajbmeb-3081	3	8	s	s	AUX
ajbmeb-3081	3	9	the	the	DET
ajbmeb-3081	3	10	article	article	NOUN
ajbmeb-3081	3	11	scientifically	scientifically	ADV
ajbmeb-3081	3	12	analyzes	analyze	VERB
ajbmeb-3081	3	13	the	the	DET
ajbmeb-3081	3	14	process	process	NOUN
ajbmeb-3081	3	15	of	of	ADP
ajbmeb-3081	3	16	revolutionary	revolutionary	ADJ
ajbmeb-3081	3	17	transformation	transformation	NOUN
ajbmeb-3081	3	18	of	of	ADP
ajbmeb-3081	3	19	the	the	DET
ajbmeb-3081	3	20	organization	organization	NOUN
ajbmeb-3081	3	21	and	and	CCONJ
ajbmeb-3081	3	22	expansion	expansion	NOUN
ajbmeb-3081	3	23	of	of	ADP
ajbmeb-3081	3	24	retail	retail	ADJ
ajbmeb-3081	3	25	and	and	CCONJ
ajbmeb-3081	3	26	corporate	corporate	ADJ
ajbmeb-3081	3	27	banking	banking	NOUN
ajbmeb-3081	3	28	services	service	NOUN
ajbmeb-3081	3	29	by	by	ADP
ajbmeb-3081	3	30	commercial	commercial	ADJ
ajbmeb-3081	3	31	banks	bank	NOUN
ajbmeb-3081	3	32	to	to	ADP
ajbmeb-3081	3	33	a	a	DET
ajbmeb-3081	3	34	digital	digital	ADJ
ajbmeb-3081	3	35	business	business	NOUN
ajbmeb-3081	3	36	model	model	NOUN
ajbmeb-3081	3	37	.	.	PUNCT
ajbmeb-3081	4	1	the	the	DET
ajbmeb-3081	4	2	study	study	NOUN
ajbmeb-3081	4	3	examines	examine	VERB
ajbmeb-3081	4	4	the	the	DET
ajbmeb-3081	4	5	initiative	initiative	NOUN
ajbmeb-3081	4	6	of	of	ADP
ajbmeb-3081	4	7	the	the	DET
ajbmeb-3081	4	8	state	state	NOUN
ajbmeb-3081	4	9	regulator	regulator	NOUN
ajbmeb-3081	4	10	of	of	ADP
ajbmeb-3081	4	11	the	the	DET
ajbmeb-3081	4	12	british	british	ADJ
ajbmeb-3081	4	13	banking	banking	NOUN
ajbmeb-3081	4	14	system	system	NOUN
ajbmeb-3081	4	15	in	in	ADP
ajbmeb-3081	4	16	2015	2015	NUM
ajbmeb-3081	4	17	to	to	PART
ajbmeb-3081	4	18	use	use	VERB
ajbmeb-3081	4	19	open	open	ADJ
ajbmeb-3081	4	20	api	api	NOUN
ajbmeb-3081	4	21	standards	standard	NOUN
ajbmeb-3081	4	22	,	,	PUNCT
ajbmeb-3081	4	23	technological	technological	ADJ
ajbmeb-3081	4	24	innovations	innovation	NOUN
ajbmeb-3081	4	25	in	in	ADP
ajbmeb-3081	4	26	the	the	DET
ajbmeb-3081	4	27	activities	activity	NOUN
ajbmeb-3081	4	28	of	of	ADP
ajbmeb-3081	4	29	commercial	commercial	ADJ
ajbmeb-3081	4	30	banks	bank	NOUN
ajbmeb-3081	4	31	,	,	PUNCT
ajbmeb-3081	4	32	mobile	mobile	ADJ
ajbmeb-3081	4	33	banking	banking	NOUN
ajbmeb-3081	4	34	,	,	PUNCT
ajbmeb-3081	4	35	“	"	PUNCT
ajbmeb-3081	4	36	super	super	ADJ
ajbmeb-3081	4	37	-	-	ADJ
ajbmeb-3081	4	38	app	app	ADJ
ajbmeb-3081	4	39	”	"	PUNCT
ajbmeb-3081	4	40	solutions	solution	NOUN
ajbmeb-3081	4	41	,	,	PUNCT
ajbmeb-3081	4	42	p2p	p2p	NOUN
ajbmeb-3081	4	43	payments	payment	NOUN
ajbmeb-3081	4	44	,	,	PUNCT
ajbmeb-3081	4	45	and	and	CCONJ
ajbmeb-3081	4	46	the	the	DET
ajbmeb-3081	4	47	use	use	NOUN
ajbmeb-3081	4	48	of	of	ADP
ajbmeb-3081	4	49	big	big	ADJ
ajbmeb-3081	4	50	data	datum	NOUN
ajbmeb-3081	4	51	technologies	technology	NOUN
ajbmeb-3081	4	52	.	.	PUNCT
ajbmeb-3081	5	1	it	it	PRON
ajbmeb-3081	5	2	also	also	ADV
ajbmeb-3081	5	3	deeply	deeply	ADV
ajbmeb-3081	5	4	studies	study	VERB
ajbmeb-3081	5	5	the	the	DET
ajbmeb-3081	5	6	historical	historical	ADJ
ajbmeb-3081	5	7	stages	stage	NOUN
ajbmeb-3081	5	8	of	of	ADP
ajbmeb-3081	5	9	the	the	DET
ajbmeb-3081	5	10	activities	activity	NOUN
ajbmeb-3081	5	11	of	of	ADP
ajbmeb-3081	5	12	commercial	commercial	ADJ
ajbmeb-3081	5	13	banks	bank	NOUN
ajbmeb-3081	5	14	,	,	PUNCT
ajbmeb-3081	5	15	the	the	DET
ajbmeb-3081	5	16	three	three	NUM
ajbmeb-3081	5	17	successive	successive	ADJ
ajbmeb-3081	5	18	stages	stage	NOUN
ajbmeb-3081	5	19	of	of	ADP
ajbmeb-3081	5	20	digitalization	digitalization	NOUN
ajbmeb-3081	5	21	the	the	DET
ajbmeb-3081	5	22	development	development	NOUN
ajbmeb-3081	5	23	of	of	ADP
ajbmeb-3081	5	24	customer	customer	NOUN
ajbmeb-3081	5	25	relationships	relationship	NOUN
ajbmeb-3081	5	26	through	through	ADP
ajbmeb-3081	5	27	digital	digital	ADJ
ajbmeb-3081	5	28	channels	channel	NOUN
ajbmeb-3081	5	29	,	,	PUNCT
ajbmeb-3081	5	30	the	the	DET
ajbmeb-3081	5	31	adaptation	adaptation	NOUN
ajbmeb-3081	5	32	of	of	ADP
ajbmeb-3081	5	33	technological	technological	ADJ
ajbmeb-3081	5	34	infrastructure	infrastructure	NOUN
ajbmeb-3081	5	35	,	,	PUNCT
ajbmeb-3081	5	36	and	and	CCONJ
ajbmeb-3081	5	37	the	the	DET
ajbmeb-3081	5	38	implementation	implementation	NOUN
ajbmeb-3081	5	39	of	of	ADP
ajbmeb-3081	5	40	strategic	strategic	ADJ
ajbmeb-3081	5	41	changes	change	NOUN
ajbmeb-3081	5	42	.	.	PUNCT
ajbmeb-3081	6	1	recommendations	recommendation	NOUN
ajbmeb-3081	6	2	were	be	AUX
ajbmeb-3081	6	3	developed	develop	VERB
ajbmeb-3081	6	4	for	for	ADP
ajbmeb-3081	6	5	the	the	DET
ajbmeb-3081	6	6	modernization	modernization	NOUN
ajbmeb-3081	6	7	of	of	ADP
ajbmeb-3081	6	8	the	the	DET
ajbmeb-3081	6	9	banking	banking	NOUN
ajbmeb-3081	6	10	system	system	NOUN
ajbmeb-3081	6	11	in	in	ADP
ajbmeb-3081	6	12	uzbekistan	uzbekistan	PROPN
ajbmeb-3081	6	13	,	,	PUNCT
ajbmeb-3081	6	14	the	the	DET
ajbmeb-3081	6	15	implementation	implementation	NOUN
ajbmeb-3081	6	16	of	of	ADP
ajbmeb-3081	6	17	international	international	ADJ
ajbmeb-3081	6	18	transformation	transformation	NOUN
ajbmeb-3081	6	19	processes	process	NOUN
ajbmeb-3081	6	20	,	,	PUNCT
ajbmeb-3081	6	21	the	the	DET
ajbmeb-3081	6	22	widespread	widespread	ADJ
ajbmeb-3081	6	23	use	use	NOUN
ajbmeb-3081	6	24	of	of	ADP
ajbmeb-3081	6	25	modern	modern	ADJ
ajbmeb-3081	6	26	mobile	mobile	ADJ
ajbmeb-3081	6	27	and	and	CCONJ
ajbmeb-3081	6	28	digital	digital	ADJ
ajbmeb-3081	6	29	technologies	technology	NOUN
ajbmeb-3081	6	30	,	,	PUNCT
ajbmeb-3081	6	31	the	the	DET
ajbmeb-3081	6	32	diversification	diversification	NOUN
ajbmeb-3081	6	33	of	of	ADP
ajbmeb-3081	6	34	banking	banking	NOUN
ajbmeb-3081	6	35	services	service	NOUN
ajbmeb-3081	6	36	,	,	PUNCT
ajbmeb-3081	6	37	and	and	CCONJ
ajbmeb-3081	6	38	increasing	increase	VERB
ajbmeb-3081	6	39	security	security	NOUN
ajbmeb-3081	6	40	.	.	PUNCT
ajbmeb-3081	7	1	this	this	DET
ajbmeb-3081	7	2	research	research	NOUN
ajbmeb-3081	7	3	creates	create	VERB
ajbmeb-3081	7	4	a	a	DET
ajbmeb-3081	7	5	theoretical	theoretical	ADJ
ajbmeb-3081	7	6	and	and	CCONJ
ajbmeb-3081	7	7	practical	practical	ADJ
ajbmeb-3081	7	8	basis	basis	NOUN
ajbmeb-3081	7	9	for	for	ADP
ajbmeb-3081	7	10	adapting	adapt	VERB
ajbmeb-3081	7	11	banking	banking	NOUN
ajbmeb-3081	7	12	activities	activity	NOUN
ajbmeb-3081	7	13	to	to	ADP
ajbmeb-3081	7	14	the	the	DET
ajbmeb-3081	7	15	digital	digital	ADJ
ajbmeb-3081	7	16	ecosystem	ecosystem	NOUN
ajbmeb-3081	7	17	,	,	PUNCT
ajbmeb-3081	7	18	developing	develop	VERB
ajbmeb-3081	7	19	services	service	NOUN
ajbmeb-3081	7	20	focused	focus	VERB
ajbmeb-3081	7	21	on	on	ADP
ajbmeb-3081	7	22	customer	customer	NOUN
ajbmeb-3081	7	23	needs	need	NOUN
ajbmeb-3081	7	24	,	,	PUNCT
ajbmeb-3081	7	25	and	and	CCONJ
ajbmeb-3081	7	26	ensuring	ensure	VERB
ajbmeb-3081	7	27	sustainable	sustainable	ADJ
ajbmeb-3081	7	28	financial	financial	ADJ
ajbmeb-3081	7	29	growth	growth	NOUN
ajbmeb-3081	7	30	.	.	PUNCT
ajbmeb-3081	8	1	commercial	commercial	ADJ
ajbmeb-3081	8	2	banks	bank	NOUN
ajbmeb-3081	8	3	,	,	PUNCT
ajbmeb-3081	8	4	digital	digital	ADJ
ajbmeb-3081	8	5	transformation	transformation	NOUN
ajbmeb-3081	8	6	,	,	PUNCT
ajbmeb-3081	8	7	digital	digital	PROPN
ajbmeb-3081	8	8	business	business	NOUN
ajbmeb-3081	8	9	model	model	NOUN
ajbmeb-3081	8	10	,	,	PUNCT
ajbmeb-3081	8	11	open	open	ADJ
ajbmeb-3081	8	12	api	api	NOUN
ajbmeb-3081	8	13	,	,	PUNCT
ajbmeb-3081	8	14	mobile	mobile	ADJ
ajbmeb-3081	8	15	banking	banking	NOUN
ajbmeb-3081	8	16	,	,	PUNCT
ajbmeb-3081	8	17	super	super	ADJ
ajbmeb-3081	8	18	-	-	ADJ
ajbmeb-3081	8	19	app	app	ADJ
ajbmeb-3081	8	20	,	,	PUNCT
ajbmeb-3081	8	21	p2p	p2p	NOUN
ajbmeb-3081	8	22	payments	payment	NOUN
ajbmeb-3081	8	23	,	,	PUNCT
ajbmeb-3081	8	24	big	big	ADJ
ajbmeb-3081	8	25	data	datum	NOUN
ajbmeb-3081	8	26	,	,	PUNCT
ajbmeb-3081	8	27	banking	banking	NOUN
ajbmeb-3081	8	28	ecosystems	ecosystem	NOUN
ajbmeb-3081	8	29	,	,	PUNCT
ajbmeb-3081	8	30	innovative	innovative	ADJ
ajbmeb-3081	8	31	financial	financial	ADJ
ajbmeb-3081	8	32	technologies	technology	NOUN
ajbmeb-3081	8	33	,	,	PUNCT
ajbmeb-3081	8	34	evolution	evolution	NOUN
ajbmeb-3081	8	35	of	of	ADP
ajbmeb-3081	8	36	banking	banking	NOUN
ajbmeb-3081	8	37	services	service	NOUN
ajbmeb-3081	8	38	.	.	PUNCT
ajbmeb-3081	9	1	introduction	introduction	NOUN
ajbmeb-3081	9	2	the	the	DET
ajbmeb-3081	9	3	revolutionary	revolutionary	ADJ
ajbmeb-3081	9	4	transformation	transformation	NOUN
ajbmeb-3081	9	5	of	of	ADP
ajbmeb-3081	9	6	commercial	commercial	ADJ
ajbmeb-3081	9	7	banks	bank	NOUN
ajbmeb-3081	9	8	to	to	ADP
ajbmeb-3081	9	9	a	a	DET
ajbmeb-3081	9	10	digital	digital	ADJ
ajbmeb-3081	9	11	business	business	NOUN
ajbmeb-3081	9	12	model	model	NOUN
ajbmeb-3081	9	13	for	for	ADP
ajbmeb-3081	9	14	organizing	organize	VERB
ajbmeb-3081	9	15	and	and	CCONJ
ajbmeb-3081	9	16	expanding	expand	VERB
ajbmeb-3081	9	17	retail	retail	ADJ
ajbmeb-3081	9	18	and	and	CCONJ
ajbmeb-3081	9	19	corporate	corporate	ADJ
ajbmeb-3081	9	20	banking	banking	NOUN
ajbmeb-3081	9	21	services	service	NOUN
ajbmeb-3081	9	22	to	to	ADP
ajbmeb-3081	9	23	customers	customer	NOUN
ajbmeb-3081	9	24	took	take	VERB
ajbmeb-3081	9	25	place	place	NOUN
ajbmeb-3081	9	26	in	in	ADP
ajbmeb-3081	9	27	2015	2015	NUM
ajbmeb-3081	9	28	with	with	ADP
ajbmeb-3081	9	29	the	the	DET
ajbmeb-3081	9	30	initiative	initiative	NOUN
ajbmeb-3081	9	31	of	of	ADP
ajbmeb-3081	9	32	the	the	DET
ajbmeb-3081	9	33	state	state	NOUN
ajbmeb-3081	9	34	regulator	regulator	NOUN
ajbmeb-3081	9	35	of	of	ADP
ajbmeb-3081	9	36	the	the	DET
ajbmeb-3081	9	37	british	british	ADJ
ajbmeb-3081	9	38	banking	banking	NOUN
ajbmeb-3081	9	39	system	system	NOUN
ajbmeb-3081	9	40	(	(	PUNCT
ajbmeb-3081	9	41	open	open	ADJ
ajbmeb-3081	9	42	banking	banking	NOUN
ajbmeb-3081	9	43	working	work	VERB
ajbmeb-3081	9	44	group	group	NOUN
ajbmeb-3081	9	45	8	8	NUM
ajbmeb-3081	9	46	)	)	PUNCT
ajbmeb-3081	9	47	to	to	PART
ajbmeb-3081	9	48	switch	switch	VERB
ajbmeb-3081	9	49	to	to	PART
ajbmeb-3081	9	50	open	open	VERB
ajbmeb-3081	9	51	api	api	NOUN
ajbmeb-3081	9	52	standards	standard	NOUN
ajbmeb-3081	9	53	.	.	PUNCT
ajbmeb-3081	10	1	this	this	DET
ajbmeb-3081	10	2	practice	practice	NOUN
ajbmeb-3081	10	3	allowed	allow	VERB
ajbmeb-3081	10	4	commercial	commercial	ADJ
ajbmeb-3081	10	5	banks	bank	NOUN
ajbmeb-3081	10	6	to	to	PART
ajbmeb-3081	10	7	use	use	VERB
ajbmeb-3081	10	8	databases	database	NOUN
ajbmeb-3081	10	9	of	of	ADP
ajbmeb-3081	10	10	other	other	ADJ
ajbmeb-3081	10	11	organizations	organization	NOUN
ajbmeb-3081	10	12	,	,	PUNCT
ajbmeb-3081	10	13	taking	take	VERB
ajbmeb-3081	10	14	into	into	ADP
ajbmeb-3081	10	15	account	account	NOUN
ajbmeb-3081	10	16	the	the	DET
ajbmeb-3081	10	17	confidentiality	confidentiality	NOUN
ajbmeb-3081	10	18	requirements	requirement	NOUN
ajbmeb-3081	10	19	of	of	ADP
ajbmeb-3081	10	20	customer	customer	NOUN
ajbmeb-3081	10	21	information	information	NOUN
ajbmeb-3081	10	22	,	,	PUNCT
ajbmeb-3081	10	23	improve	improve	VERB
ajbmeb-3081	10	24	banking	banking	NOUN
ajbmeb-3081	10	25	services	service	NOUN
ajbmeb-3081	10	26	and	and	CCONJ
ajbmeb-3081	10	27	american	american	ADJ
ajbmeb-3081	10	28	journal	journal	PROPN
ajbmeb-3081	10	29	of	of	ADP
ajbmeb-3081	10	30	business	business	NOUN
ajbmeb-3081	10	31	management	management	NOUN
ajbmeb-3081	10	32	,	,	PUNCT
ajbmeb-3081	10	33	economics	economic	NOUN
ajbmeb-3081	10	34	and	and	CCONJ
ajbmeb-3081	10	35	banking	banking	NOUN
ajbmeb-3081	10	36	volume	volume	NOUN
ajbmeb-3081	10	37	40	40	NUM
ajbmeb-3081	10	38	september2025	september2025	PROPN
ajbmeb-3081	10	39	p	p	NOUN
ajbmeb-3081	10	40	a	a	DET
ajbmeb-3081	10	41	g	g	NOUN
ajbmeb-3081	10	42	e	e	NOUN
ajbmeb-3081	10	43	|	|	NOUN
ajbmeb-3081	10	44	25	25	NUM
ajbmeb-3081	10	45	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	10	46	organize	organize	VERB
ajbmeb-3081	10	47	services	service	NOUN
ajbmeb-3081	10	48	in	in	ADP
ajbmeb-3081	10	49	line	line	NOUN
ajbmeb-3081	10	50	with	with	ADP
ajbmeb-3081	10	51	the	the	DET
ajbmeb-3081	10	52	changing	change	VERB
ajbmeb-3081	10	53	needs	need	NOUN
ajbmeb-3081	10	54	and	and	CCONJ
ajbmeb-3081	10	55	requirements	requirement	NOUN
ajbmeb-3081	10	56	of	of	ADP
ajbmeb-3081	10	57	customers	customer	NOUN
ajbmeb-3081	10	58	1	1	NUM
ajbmeb-3081	10	59	.	.	PUNCT
ajbmeb-3081	11	1	it	it	PRON
ajbmeb-3081	11	2	should	should	AUX
ajbmeb-3081	11	3	be	be	AUX
ajbmeb-3081	11	4	noted	note	VERB
ajbmeb-3081	11	5	that	that	SCONJ
ajbmeb-3081	11	6	,	,	PUNCT
ajbmeb-3081	11	7	along	along	ADP
ajbmeb-3081	11	8	with	with	ADP
ajbmeb-3081	11	9	the	the	DET
ajbmeb-3081	11	10	mandatory	mandatory	ADJ
ajbmeb-3081	11	11	requirement	requirement	NOUN
ajbmeb-3081	11	12	for	for	ADP
ajbmeb-3081	11	13	the	the	DET
ajbmeb-3081	11	14	use	use	NOUN
ajbmeb-3081	11	15	of	of	ADP
ajbmeb-3081	11	16	api	api	NOUN
ajbmeb-3081	11	17	standards	standard	NOUN
ajbmeb-3081	11	18	,	,	PUNCT
ajbmeb-3081	11	19	64	64	NUM
ajbmeb-3081	11	20	percent	percent	NOUN
ajbmeb-3081	11	21	of	of	ADP
ajbmeb-3081	11	22	banks	bank	NOUN
ajbmeb-3081	11	23	from	from	ADP
ajbmeb-3081	11	24	85	85	NUM
ajbmeb-3081	11	25	countries	country	NOUN
ajbmeb-3081	11	26	are	be	AUX
ajbmeb-3081	11	27	confident	confident	ADJ
ajbmeb-3081	11	28	that	that	SCONJ
ajbmeb-3081	11	29	new	new	ADJ
ajbmeb-3081	11	30	technologies	technology	NOUN
ajbmeb-3081	11	31	will	will	AUX
ajbmeb-3081	11	32	fundamentally	fundamentally	ADV
ajbmeb-3081	11	33	change	change	VERB
ajbmeb-3081	11	34	the	the	DET
ajbmeb-3081	11	35	banking	banking	NOUN
ajbmeb-3081	11	36	business	business	NOUN
ajbmeb-3081	11	37	in	in	ADP
ajbmeb-3081	11	38	the	the	DET
ajbmeb-3081	11	39	next	next	ADJ
ajbmeb-3081	11	40	5	5	NUM
ajbmeb-3081	11	41	years	year	NOUN
ajbmeb-3081	11	42	.	.	PUNCT
ajbmeb-3081	12	1	according	accord	VERB
ajbmeb-3081	12	2	to	to	ADP
ajbmeb-3081	12	3	the	the	DET
ajbmeb-3081	12	4	opinion	opinion	NOUN
ajbmeb-3081	12	5	of	of	ADP
ajbmeb-3081	12	6	banking	banking	NOUN
ajbmeb-3081	12	7	experts	expert	NOUN
ajbmeb-3081	12	8	in	in	ADP
ajbmeb-3081	12	9	our	our	PRON
ajbmeb-3081	12	10	country	country	NOUN
ajbmeb-3081	12	11	(	(	PUNCT
ajbmeb-3081	12	12	81	81	NUM
ajbmeb-3081	12	13	percent	percent	NOUN
ajbmeb-3081	12	14	)	)	PUNCT
ajbmeb-3081	12	15	,	,	PUNCT
ajbmeb-3081	12	16	the	the	DET
ajbmeb-3081	12	17	use	use	NOUN
ajbmeb-3081	12	18	of	of	ADP
ajbmeb-3081	12	19	these	these	DET
ajbmeb-3081	12	20	technologies	technology	NOUN
ajbmeb-3081	12	21	is	be	AUX
ajbmeb-3081	12	22	of	of	ADP
ajbmeb-3081	12	23	great	great	ADJ
ajbmeb-3081	12	24	importance	importance	NOUN
ajbmeb-3081	12	25	for	for	ADP
ajbmeb-3081	12	26	banking	banking	NOUN
ajbmeb-3081	12	27	activities	activity	NOUN
ajbmeb-3081	12	28	.	.	PUNCT
ajbmeb-3081	13	1	fundamental	fundamental	ADJ
ajbmeb-3081	13	2	changes	change	NOUN
ajbmeb-3081	13	3	in	in	ADP
ajbmeb-3081	13	4	the	the	DET
ajbmeb-3081	13	5	economic	economic	ADJ
ajbmeb-3081	13	6	activities	activity	NOUN
ajbmeb-3081	13	7	of	of	ADP
ajbmeb-3081	13	8	the	the	DET
ajbmeb-3081	13	9	bank	bank	NOUN
ajbmeb-3081	13	10	,	,	PUNCT
ajbmeb-3081	13	11	the	the	DET
ajbmeb-3081	13	12	use	use	NOUN
ajbmeb-3081	13	13	of	of	ADP
ajbmeb-3081	13	14	new	new	ADJ
ajbmeb-3081	13	15	technologies	technology	NOUN
ajbmeb-3081	13	16	,	,	PUNCT
ajbmeb-3081	13	17	new	new	ADJ
ajbmeb-3081	13	18	services	service	NOUN
ajbmeb-3081	13	19	and	and	CCONJ
ajbmeb-3081	13	20	digital	digital	ADJ
ajbmeb-3081	13	21	transformation	transformation	NOUN
ajbmeb-3081	13	22	processes	process	NOUN
ajbmeb-3081	13	23	are	be	AUX
ajbmeb-3081	13	24	significantly	significantly	ADV
ajbmeb-3081	13	25	affecting	affect	VERB
ajbmeb-3081	13	26	the	the	DET
ajbmeb-3081	13	27	banking	banking	NOUN
ajbmeb-3081	13	28	services	service	NOUN
ajbmeb-3081	13	29	sector	sector	NOUN
ajbmeb-3081	13	30	.	.	PUNCT
ajbmeb-3081	14	1	digitalization	digitalization	NOUN
ajbmeb-3081	14	2	is	be	AUX
ajbmeb-3081	14	3	further	far	ADV
ajbmeb-3081	14	4	increasing	increase	VERB
ajbmeb-3081	14	5	the	the	DET
ajbmeb-3081	14	6	importance	importance	NOUN
ajbmeb-3081	14	7	of	of	ADP
ajbmeb-3081	14	8	applying	apply	VERB
ajbmeb-3081	14	9	new	new	ADJ
ajbmeb-3081	14	10	priority	priority	NOUN
ajbmeb-3081	14	11	formats	format	NOUN
ajbmeb-3081	14	12	for	for	ADP
ajbmeb-3081	14	13	the	the	DET
ajbmeb-3081	14	14	development	development	NOUN
ajbmeb-3081	14	15	of	of	ADP
ajbmeb-3081	14	16	banking	banking	NOUN
ajbmeb-3081	14	17	,	,	PUNCT
ajbmeb-3081	14	18	credit	credit	NOUN
ajbmeb-3081	14	19	and	and	CCONJ
ajbmeb-3081	14	20	financial	financial	ADJ
ajbmeb-3081	14	21	business	business	NOUN
ajbmeb-3081	14	22	.	.	PUNCT
ajbmeb-3081	15	1	using	use	VERB
ajbmeb-3081	15	2	the	the	DET
ajbmeb-3081	15	3	latest	late	ADJ
ajbmeb-3081	15	4	technologies	technology	NOUN
ajbmeb-3081	15	5	,	,	PUNCT
ajbmeb-3081	15	6	it	it	PRON
ajbmeb-3081	15	7	will	will	AUX
ajbmeb-3081	15	8	be	be	AUX
ajbmeb-3081	15	9	possible	possible	ADJ
ajbmeb-3081	15	10	to	to	PART
ajbmeb-3081	15	11	optimize	optimize	VERB
ajbmeb-3081	15	12	repetitive	repetitive	ADJ
ajbmeb-3081	15	13	and	and	CCONJ
ajbmeb-3081	15	14	cross	cross	ADJ
ajbmeb-3081	15	15	-	-	ADJ
ajbmeb-3081	15	16	cutting	cutting	ADJ
ajbmeb-3081	15	17	functions	function	NOUN
ajbmeb-3081	15	18	in	in	ADP
ajbmeb-3081	15	19	the	the	DET
ajbmeb-3081	15	20	activities	activity	NOUN
ajbmeb-3081	15	21	of	of	ADP
ajbmeb-3081	15	22	commercial	commercial	ADJ
ajbmeb-3081	15	23	banks	bank	NOUN
ajbmeb-3081	15	24	,	,	PUNCT
ajbmeb-3081	15	25	reduce	reduce	VERB
ajbmeb-3081	15	26	unnecessary	unnecessary	ADJ
ajbmeb-3081	15	27	costs	cost	NOUN
ajbmeb-3081	15	28	and	and	CCONJ
ajbmeb-3081	15	29	maximize	maximize	VERB
ajbmeb-3081	15	30	profits	profit	NOUN
ajbmeb-3081	15	31	,	,	PUNCT
ajbmeb-3081	15	32	and	and	CCONJ
ajbmeb-3081	15	33	in	in	ADP
ajbmeb-3081	15	34	turn	turn	NOUN
ajbmeb-3081	15	35	create	create	VERB
ajbmeb-3081	15	36	conditions	condition	NOUN
ajbmeb-3081	15	37	for	for	ADP
ajbmeb-3081	15	38	customers	customer	NOUN
ajbmeb-3081	15	39	with	with	ADP
ajbmeb-3081	15	40	better	well	ADJ
ajbmeb-3081	15	41	and	and	CCONJ
ajbmeb-3081	15	42	more	more	ADV
ajbmeb-3081	15	43	advantageous	advantageous	ADJ
ajbmeb-3081	15	44	access	access	NOUN
ajbmeb-3081	15	45	options	option	NOUN
ajbmeb-3081	15	46	than	than	ADP
ajbmeb-3081	15	47	before	before	ADV
ajbmeb-3081	15	48	.	.	PUNCT
ajbmeb-3081	16	1	review	review	NOUN
ajbmeb-3081	16	2	of	of	ADP
ajbmeb-3081	16	3	used	use	VERB
ajbmeb-3081	16	4	literature	literature	NOUN
ajbmeb-3081	16	5	banking	banking	NOUN
ajbmeb-3081	16	6	services	service	NOUN
ajbmeb-3081	16	7	digital	digital	ADJ
ajbmeb-3081	16	8	business	business	NOUN
ajbmeb-3081	16	9	to	to	ADP
ajbmeb-3081	16	10	the	the	DET
ajbmeb-3081	16	11	model	model	NOUN
ajbmeb-3081	16	12	transfer	transfer	NOUN
ajbmeb-3081	16	13	,	,	PUNCT
ajbmeb-3081	16	14	especially	especially	ADV
ajbmeb-3081	16	15	open	open	ADJ
ajbmeb-3081	16	16	api	api	NOUN
ajbmeb-3081	16	17	standards	standard	NOUN
ajbmeb-3081	16	18	based	base	VERB
ajbmeb-3081	16	19	on	on	ADP
ajbmeb-3081	16	20	develop	develop	VERB
ajbmeb-3081	16	21	process	process	NOUN
ajbmeb-3081	16	22	last	last	ADJ
ajbmeb-3081	16	23	in	in	ADP
ajbmeb-3081	16	24	years	year	NOUN
ajbmeb-3081	16	25	world	world	NOUN
ajbmeb-3081	16	26	finance	finance	NOUN
ajbmeb-3081	16	27	in	in	ADP
ajbmeb-3081	16	28	the	the	DET
ajbmeb-3081	16	29	market	market	NOUN
ajbmeb-3081	16	30	new	new	ADJ
ajbmeb-3081	16	31	step	step	NOUN
ajbmeb-3081	16	32	starting	start	VERB
ajbmeb-3081	16	33	england	england	PROPN
ajbmeb-3081	16	34	in	in	ADP
ajbmeb-3081	16	35	2015	2015	NUM
ajbmeb-3081	16	36	bank	bank	NOUN
ajbmeb-3081	16	37	system	system	NOUN
ajbmeb-3081	16	38	state	state	NOUN
ajbmeb-3081	16	39	regulator	regulator	NOUN
ajbmeb-3081	16	40	by	by	ADP
ajbmeb-3081	16	41	previously	previously	ADV
ajbmeb-3081	16	42	open	open	ADJ
ajbmeb-3081	16	43	banking	banking	NOUN
ajbmeb-3081	16	44	initiative	initiative	NOUN
ajbmeb-3081	16	45	launched	launch	VERB
ajbmeb-3081	16	46	this	this	PRON
ajbmeb-3081	16	47	in	in	ADP
ajbmeb-3081	16	48	the	the	DET
ajbmeb-3081	16	49	direction	direction	NOUN
ajbmeb-3081	16	50	important	important	ADJ
ajbmeb-3081	16	51	stage	stage	NOUN
ajbmeb-3081	16	52	is	be	AUX
ajbmeb-3081	16	53	commercial	commercial	ADJ
ajbmeb-3081	16	54	to	to	ADP
ajbmeb-3081	16	55	banks	bank	NOUN
ajbmeb-3081	16	56	customer	customer	NOUN
ajbmeb-3081	16	57	information	information	NOUN
ajbmeb-3081	16	58	protection	protection	NOUN
ajbmeb-3081	16	59	did	do	VERB
ajbmeb-3081	16	60	without	without	ADP
ajbmeb-3081	16	61	other	other	ADJ
ajbmeb-3081	16	62	organizations	organization	NOUN
ajbmeb-3081	16	63	from	from	ADP
ajbmeb-3081	16	64	the	the	DET
ajbmeb-3081	16	65	bases	basis	NOUN
ajbmeb-3081	16	66	also	also	ADV
ajbmeb-3081	16	67	use	use	VERB
ajbmeb-3081	16	68	opportunity	opportunity	NOUN
ajbmeb-3081	16	69	created	create	VERB
ajbmeb-3081	16	70	[	[	X
ajbmeb-3081	16	71	1	1	NUM
ajbmeb-3081	16	72	]	]	PUNCT
ajbmeb-3081	16	73	.	.	PUNCT
ajbmeb-3081	17	1	this	this	DET
ajbmeb-3081	17	2	digital	digital	ADJ
ajbmeb-3081	17	3	approach	approach	NOUN
ajbmeb-3081	17	4	bank	bank	PROPN
ajbmeb-3081	17	5	services	service	NOUN
ajbmeb-3081	17	6	improvement	improvement	NOUN
ajbmeb-3081	17	7	and	and	CCONJ
ajbmeb-3081	17	8	customers	customer	NOUN
ajbmeb-3081	17	9	variable	variable	ADJ
ajbmeb-3081	17	10	requirements	requirement	NOUN
ajbmeb-3081	17	11	in	in	ADP
ajbmeb-3081	17	12	adaptation	adaptation	NOUN
ajbmeb-3081	17	13	noticeable	noticeable	ADJ
ajbmeb-3081	17	14	results	result	NOUN
ajbmeb-3081	17	15	is	be	AUX
ajbmeb-3081	17	16	giving	give	VERB
ajbmeb-3081	17	17	.	.	PUNCT
ajbmeb-3081	18	1	banks	bank	NOUN
ajbmeb-3081	18	2	digital	digital	ADJ
ajbmeb-3081	18	3	to	to	ADP
ajbmeb-3081	18	4	ecosystems	ecosystem	NOUN
ajbmeb-3081	18	5	transition	transition	NOUN
ajbmeb-3081	18	6	,	,	PUNCT
ajbmeb-3081	18	7	especially	especially	ADV
ajbmeb-3081	18	8	“	"	PUNCT
ajbmeb-3081	18	9	super	super	ADJ
ajbmeb-3081	18	10	-	-	NOUN
ajbmeb-3081	18	11	apps	app	NOUN
ajbmeb-3081	18	12	”	"	PUNCT
ajbmeb-3081	18	13	and	and	CCONJ
ajbmeb-3081	18	14	p2p	p2p	NOUN
ajbmeb-3081	18	15	payments	payment	NOUN
ajbmeb-3081	18	16	new	new	ADJ
ajbmeb-3081	18	17	of	of	ADP
ajbmeb-3081	18	18	services	service	NOUN
ajbmeb-3081	18	19	current	current	ADJ
ajbmeb-3081	18	20	to	to	PART
ajbmeb-3081	18	21	be	be	AUX
ajbmeb-3081	18	22	market	market	NOUN
ajbmeb-3081	18	23	architecture	architecture	NOUN
ajbmeb-3081	18	24	and	and	CCONJ
ajbmeb-3081	18	25	competition	competition	NOUN
ajbmeb-3081	18	26	environment	environment	NOUN
ajbmeb-3081	18	27	fundamentally	fundamentally	ADV
ajbmeb-3081	18	28	is	be	AUX
ajbmeb-3081	18	29	changing	change	VERB
ajbmeb-3081	18	30	russian	russian	ADJ
ajbmeb-3081	18	31	scientists	scientist	NOUN
ajbmeb-3081	18	32	also	also	ADV
ajbmeb-3081	18	33	separately	separately	ADV
ajbmeb-3081	18	34	emphasizing	emphasize	VERB
ajbmeb-3081	18	35	for	for	ADP
ajbmeb-3081	18	36	example	example	NOUN
ajbmeb-3081	18	37	,	,	PUNCT
ajbmeb-3081	18	38	ea	ea	CCONJ
ajbmeb-3081	18	39	tarkhanova	tarkhanova	NOUN
ajbmeb-3081	18	40	and	and	CCONJ
ajbmeb-3081	18	41	partners	partner	NOUN
ajbmeb-3081	18	42	bank	bank	NOUN
ajbmeb-3081	18	43	ecosystems	ecosystem	NOUN
ajbmeb-3081	18	44	essence	essence	NOUN
ajbmeb-3081	18	45	,	,	PUNCT
ajbmeb-3081	18	46	types	type	NOUN
ajbmeb-3081	18	47	and	and	CCONJ
ajbmeb-3081	18	48	in	in	ADP
ajbmeb-3081	18	49	russia	russia	PROPN
ajbmeb-3081	18	50	them	they	PRON
ajbmeb-3081	18	51	order	order	NOUN
ajbmeb-3081	18	52	of	of	ADP
ajbmeb-3081	18	53	the	the	DET
ajbmeb-3081	18	54	place	place	NOUN
ajbmeb-3081	18	55	modern	modern	ADJ
ajbmeb-3081	18	56	approaches	approach	NOUN
ajbmeb-3081	18	57	in	in	ADP
ajbmeb-3081	18	58	detail	detail	NOUN
ajbmeb-3081	18	59	[	[	X
ajbmeb-3081	18	60	2	2	NUM
ajbmeb-3081	18	61	]	]	PUNCT
ajbmeb-3081	18	62	.	.	PUNCT
ajbmeb-3081	19	1	also	also	ADV
ajbmeb-3081	19	2	,	,	PUNCT
ajbmeb-3081	19	3	vs	vs	ADP
ajbmeb-3081	19	4	tereshenko	tereshenko	NOUN
ajbmeb-3081	19	5	and	and	CCONJ
ajbmeb-3081	19	6	od	od	PROPN
ajbmeb-3081	19	7	shumakova	shumakova	NOUN
ajbmeb-3081	19	8	in	in	ADP
ajbmeb-3081	19	9	research	research	NOUN
ajbmeb-3081	19	10	of	of	ADP
ajbmeb-3081	19	11	banks	bank	NOUN
ajbmeb-3081	19	12	business	business	NOUN
ajbmeb-3081	19	13	models	model	NOUN
ajbmeb-3081	19	14	transformation	transformation	NOUN
ajbmeb-3081	19	15	to	to	PART
ajbmeb-3081	19	16	do	do	AUX
ajbmeb-3081	19	17	directions	direction	NOUN
ajbmeb-3081	19	18	and	and	CCONJ
ajbmeb-3081	19	19	them	they	PRON
ajbmeb-3081	19	20	state	state	NOUN
ajbmeb-3081	19	21	by	by	ADP
ajbmeb-3081	19	22	of	of	ADP
ajbmeb-3081	19	23	support	support	NOUN
ajbmeb-3081	19	24	relevance	relevance	NOUN
ajbmeb-3081	19	25	showing	show	VERB
ajbmeb-3081	19	26	passed	pass	VERB
ajbmeb-3081	19	27	[	[	X
ajbmeb-3081	19	28	3	3	NUM
ajbmeb-3081	19	29	]	]	PUNCT
ajbmeb-3081	19	30	.	.	PUNCT
ajbmeb-3081	20	1	banking	banking	NOUN
ajbmeb-3081	20	2	services	service	NOUN
ajbmeb-3081	20	3	deep	deep	ADJ
ajbmeb-3081	20	4	digitization	digitization	NOUN
ajbmeb-3081	20	5	in	in	ADP
ajbmeb-3081	20	6	the	the	DET
ajbmeb-3081	20	7	process	process	NOUN
ajbmeb-3081	20	8	customer	customer	NOUN
ajbmeb-3081	20	9	information	information	NOUN
ajbmeb-3081	20	10	security	security	NOUN
ajbmeb-3081	20	11	,	,	PUNCT
ajbmeb-3081	20	12	credit	credit	NOUN
ajbmeb-3081	20	13	risks	risk	NOUN
ajbmeb-3081	20	14	management	management	NOUN
ajbmeb-3081	20	15	,	,	PUNCT
ajbmeb-3081	20	16	in	in	ADP
ajbmeb-3081	20	17	particular	particular	ADJ
ajbmeb-3081	20	18	the	the	DET
ajbmeb-3081	20	19	loan	loan	NOUN
ajbmeb-3081	20	20	refusal	refusal	NOUN
ajbmeb-3081	20	21	done	do	VERB
ajbmeb-3081	20	22	applications	application	NOUN
ajbmeb-3081	20	23	analysis	analysis	NOUN
ajbmeb-3081	20	24	to	to	PART
ajbmeb-3081	20	25	do	do	VERB
ajbmeb-3081	20	26	mechanisms	mechanism	NOUN
ajbmeb-3081	20	27	improvement	improvement	NOUN
ajbmeb-3081	20	28	also	also	ADV
ajbmeb-3081	20	29	important	important	ADJ
ajbmeb-3081	20	30	importance	importance	NOUN
ajbmeb-3081	20	31	has	have	VERB
ajbmeb-3081	20	32	.	.	PUNCT
ajbmeb-3081	21	1	d.dj	d.dj	NOUN
ajbmeb-3081	21	2	.	.	PUNCT
ajbmeb-3081	22	1	hand	hand	NOUN
ajbmeb-3081	22	2	own	own	ADJ
ajbmeb-3081	22	3	in	in	ADP
ajbmeb-3081	22	4	the	the	DET
ajbmeb-3081	22	5	study	study	NOUN
ajbmeb-3081	22	6	credit	credit	NOUN
ajbmeb-3081	22	7	in	in	ADP
ajbmeb-3081	22	8	operations	operation	NOUN
ajbmeb-3081	22	9	refusal	refusal	NOUN
ajbmeb-3081	22	10	done	do	VERB
ajbmeb-3081	22	11	applications	application	NOUN
ajbmeb-3081	22	12	analysis	analysis	NOUN
ajbmeb-3081	22	13	to	to	PART
ajbmeb-3081	22	14	do	do	AUX
ajbmeb-3081	22	15	theoretical	theoretical	ADJ
ajbmeb-3081	22	16	basics	basic	NOUN
ajbmeb-3081	22	17	and	and	CCONJ
ajbmeb-3081	22	18	practical	practical	ADJ
ajbmeb-3081	22	19	methods	method	NOUN
ajbmeb-3081	22	20	illuminates	illuminate	VERB
ajbmeb-3081	22	21	[	[	X
ajbmeb-3081	22	22	4	4	NUM
ajbmeb-3081	22	23	]	]	PUNCT
ajbmeb-3081	22	24	.	.	PUNCT
ajbmeb-3081	23	1	this	this	DET
ajbmeb-3081	23	2	approach	approach	NOUN
ajbmeb-3081	23	3	commerce	commerce	NOUN
ajbmeb-3081	23	4	banks	bank	NOUN
ajbmeb-3081	23	5	in	in	ADP
ajbmeb-3081	23	6	the	the	DET
ajbmeb-3081	23	7	activity	activity	NOUN
ajbmeb-3081	23	8	risks	risk	VERB
ajbmeb-3081	23	9	determination	determination	NOUN
ajbmeb-3081	23	10	and	and	CCONJ
ajbmeb-3081	23	11	evaluation	evaluation	NOUN
ajbmeb-3081	23	12	further	far	ADV
ajbmeb-3081	23	13	thorough	thorough	ADV
ajbmeb-3081	23	14	on	on	ADP
ajbmeb-3081	23	15	the	the	DET
ajbmeb-3081	23	16	road	road	NOUN
ajbmeb-3081	23	17	to	to	PART
ajbmeb-3081	23	18	put	put	VERB
ajbmeb-3081	23	19	opportunity	opportunity	NOUN
ajbmeb-3081	23	20	gives	give	NOUN
ajbmeb-3081	23	21	.	.	PUNCT
ajbmeb-3081	24	1	this	this	PRON
ajbmeb-3081	24	2	with	with	ADP
ajbmeb-3081	24	3	together	together	ADV
ajbmeb-3081	24	4	,	,	PUNCT
ajbmeb-3081	24	5	nv	nv	PROPN
ajbmeb-3081	24	6	shcherbakova	shcherbakova	VERB
ajbmeb-3081	24	7	russia	russia	PROPN
ajbmeb-3081	24	8	bank	bank	PROPN
ajbmeb-3081	24	9	in	in	ADP
ajbmeb-3081	24	10	the	the	DET
ajbmeb-3081	24	11	sector	sector	NOUN
ajbmeb-3081	24	12	digital	digital	NOUN
ajbmeb-3081	24	13	of	of	ADP
ajbmeb-3081	24	14	technologies	technology	NOUN
ajbmeb-3081	24	15	features	feature	NOUN
ajbmeb-3081	24	16	and	and	CCONJ
ajbmeb-3081	24	17	they	they	PRON
ajbmeb-3081	24	18	with	with	ADP
ajbmeb-3081	24	19	related	related	ADJ
ajbmeb-3081	24	20	risks	risk	NOUN
ajbmeb-3081	24	21	surrounding	surround	VERB
ajbmeb-3081	24	22	analysis	analysis	NOUN
ajbmeb-3081	24	23	so	so	ADV
ajbmeb-3081	24	24	,	,	PUNCT
ajbmeb-3081	24	25	bank	bank	NOUN
ajbmeb-3081	24	26	services	service	NOUN
ajbmeb-3081	24	27	diversification	diversification	NOUN
ajbmeb-3081	24	28	in	in	ADP
ajbmeb-3081	24	29	doing	do	VERB
ajbmeb-3081	24	30	technological	technological	ADJ
ajbmeb-3081	24	31	solutions	solution	NOUN
ajbmeb-3081	24	32	with	with	ADP
ajbmeb-3081	24	33	one	one	NUM
ajbmeb-3081	24	34	in	in	ADP
ajbmeb-3081	24	35	line	line	NOUN
ajbmeb-3081	24	36	information	information	NOUN
ajbmeb-3081	24	37	safety	safety	NOUN
ajbmeb-3081	24	38	also	also	ADV
ajbmeb-3081	24	39	important	important	ADJ
ajbmeb-3081	24	40	factor	factor	NOUN
ajbmeb-3081	24	41	that	that	PRON
ajbmeb-3081	24	42	it	it	PRON
ajbmeb-3081	24	43	is	be	AUX
ajbmeb-3081	24	44	emphasizes	emphasize	VERB
ajbmeb-3081	24	45	[	[	X
ajbmeb-3081	24	46	5	5	NUM
ajbmeb-3081	24	47	]	]	PUNCT
ajbmeb-3081	24	48	.	.	PUNCT
ajbmeb-3081	25	1	in	in	ADP
ajbmeb-3081	25	2	general	general	ADJ
ajbmeb-3081	25	3	when	when	SCONJ
ajbmeb-3081	25	4	receiving	receive	VERB
ajbmeb-3081	25	5	,	,	PUNCT
ajbmeb-3081	25	6	foreign	foreign	ADJ
ajbmeb-3081	25	7	literature	literature	NOUN
ajbmeb-3081	25	8	of	of	ADP
ajbmeb-3081	25	9	banks	bank	NOUN
ajbmeb-3081	25	10	digital	digital	ADJ
ajbmeb-3081	25	11	transformation	transformation	NOUN
ajbmeb-3081	25	12	following	follow	VERB
ajbmeb-3081	25	13	main	main	ADJ
ajbmeb-3081	25	14	in	in	ADP
ajbmeb-3081	25	15	directions	direction	NOUN
ajbmeb-3081	25	16	illuminating	illuminate	VERB
ajbmeb-3081	25	17	gives	give	VERB
ajbmeb-3081	25	18	:	:	PUNCT
ajbmeb-3081	25	19	•	•	NUM
ajbmeb-3081	25	20	digital	digital	ADJ
ajbmeb-3081	25	21	business	business	NOUN
ajbmeb-3081	25	22	model	model	NOUN
ajbmeb-3081	25	23	and	and	CCONJ
ajbmeb-3081	25	24	open	open	ADJ
ajbmeb-3081	25	25	api	api	NOUN
ajbmeb-3081	25	26	:	:	PUNCT
ajbmeb-3081	25	27	banking	banking	NOUN
ajbmeb-3081	25	28	services	service	NOUN
ajbmeb-3081	25	29	to	to	ADP
ajbmeb-3081	25	30	the	the	DET
ajbmeb-3081	25	31	customer	customer	NOUN
ajbmeb-3081	25	32	direction	direction	NOUN
ajbmeb-3081	25	33	and	and	CCONJ
ajbmeb-3081	25	34	information	information	NOUN
ajbmeb-3081	25	35	exchange	exchange	NOUN
ajbmeb-3081	25	36	liberalization	liberalization	NOUN
ajbmeb-3081	25	37	[	[	X
ajbmeb-3081	25	38	1	1	NUM
ajbmeb-3081	25	39	]	]	PUNCT
ajbmeb-3081	25	40	.	.	PUNCT
ajbmeb-3081	26	1	•	•	NUM
ajbmeb-3081	26	2	banking	banking	NOUN
ajbmeb-3081	26	3	ecosystems	ecosystem	NOUN
ajbmeb-3081	26	4	and	and	CCONJ
ajbmeb-3081	26	5	new	new	ADJ
ajbmeb-3081	26	6	business	business	NOUN
ajbmeb-3081	26	7	models	model	NOUN
ajbmeb-3081	26	8	:	:	PUNCT
ajbmeb-3081	26	9	digital	digital	ADJ
ajbmeb-3081	26	10	through	through	ADP
ajbmeb-3081	26	11	partnerships	partnership	NOUN
ajbmeb-3081	26	12	,	,	PUNCT
ajbmeb-3081	26	13	superapps	superapps	NOUN
ajbmeb-3081	26	14	and	and	CCONJ
ajbmeb-3081	26	15	p2p	p2p	NOUN
ajbmeb-3081	26	16	payments	payment	NOUN
ajbmeb-3081	26	17	services	service	NOUN
ajbmeb-3081	26	18	expansion	expansion	NOUN
ajbmeb-3081	26	19	[	[	X
ajbmeb-3081	26	20	2	2	NUM
ajbmeb-3081	26	21	;	;	PUNCT
ajbmeb-3081	26	22	3	3	NUM
ajbmeb-3081	26	23	]	]	PUNCT
ajbmeb-3081	26	24	.	.	PUNCT
ajbmeb-3081	27	1	1dmitrieva	1dmitrieva	NUM
ajbmeb-3081	27	2	g.	g.	PROPN
ajbmeb-3081	27	3	s.	s.	PROPN
ajbmeb-3081	27	4	digital	digital	PROPN
ajbmeb-3081	27	5	technology	technology	PROPN
ajbmeb-3081	27	6	v	v	ADP
ajbmeb-3081	27	7	banking	banking	NOUN
ajbmeb-3081	27	8	sector	sector	NOUN
ajbmeb-3081	27	9	economy	economy	NOUN
ajbmeb-3081	27	10	.	.	PUNCT
ajbmeb-3081	28	1	izvestia	izvestia	PROPN
ajbmeb-3081	28	2	sankt	sankt	PROPN
ajbmeb-3081	28	3	-	-	PUNCT
ajbmeb-3081	28	4	peterburgskogo	peterburgskogo	PROPN
ajbmeb-3081	28	5	gosudarstvennogo	gosudarstvennogo	PROPN
ajbmeb-3081	28	6	ekonomicheskogo	ekonomicheskogo	PROPN
ajbmeb-3081	28	7	universiteta	universiteta	PROPN
ajbmeb-3081	28	8	.	.	PUNCT
ajbmeb-3081	29	1	2020;(1):49–53	2020;(1):49–53	NUM
ajbmeb-3081	29	2	.	.	PUNCT
ajbmeb-3081	30	1	american	american	PROPN
ajbmeb-3081	30	2	journal	journal	PROPN
ajbmeb-3081	30	3	of	of	ADP
ajbmeb-3081	30	4	business	business	NOUN
ajbmeb-3081	30	5	management	management	NOUN
ajbmeb-3081	30	6	,	,	PUNCT
ajbmeb-3081	30	7	economics	economic	NOUN
ajbmeb-3081	30	8	and	and	CCONJ
ajbmeb-3081	30	9	banking	banking	NOUN
ajbmeb-3081	30	10	volume	volume	NOUN
ajbmeb-3081	30	11	40	40	NUM
ajbmeb-3081	31	1	september2025	september2025	PROPN
ajbmeb-3081	31	2	p	p	NOUN
ajbmeb-3081	31	3	a	a	DET
ajbmeb-3081	31	4	g	g	NOUN
ajbmeb-3081	31	5	e	e	NOUN
ajbmeb-3081	32	1	|	|	ADV
ajbmeb-3081	32	2	26	26	NUM
ajbmeb-3081	32	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	32	4	•	•	NUM
ajbmeb-3081	32	5	risks	risk	NOUN
ajbmeb-3081	32	6	management	management	NOUN
ajbmeb-3081	32	7	and	and	CCONJ
ajbmeb-3081	32	8	information	information	NOUN
ajbmeb-3081	32	9	security	security	NOUN
ajbmeb-3081	32	10	:	:	PUNCT
ajbmeb-3081	32	11	credit	credit	NOUN
ajbmeb-3081	32	12	risk	risk	NOUN
ajbmeb-3081	32	13	analysis	analysis	NOUN
ajbmeb-3081	32	14	to	to	PART
ajbmeb-3081	32	15	do	do	VERB
ajbmeb-3081	32	16	and	and	CCONJ
ajbmeb-3081	32	17	cybersecurity	cybersecurity	NOUN
ajbmeb-3081	32	18	measures	measure	NOUN
ajbmeb-3081	32	19	strengthening	strengthen	VERB
ajbmeb-3081	32	20	[	[	X
ajbmeb-3081	32	21	4	4	NUM
ajbmeb-3081	32	22	;	;	PUNCT
ajbmeb-3081	32	23	5	5	NUM
ajbmeb-3081	32	24	]	]	PUNCT
ajbmeb-3081	32	25	.	.	PUNCT
ajbmeb-3081	33	1	this	this	DET
ajbmeb-3081	33	2	sources	source	NOUN
ajbmeb-3081	33	3	commerce	commerce	NOUN
ajbmeb-3081	33	4	banks	bank	NOUN
ajbmeb-3081	33	5	activity	activity	VERB
ajbmeb-3081	33	6	digital	digital	ADJ
ajbmeb-3081	33	7	transformation	transformation	NOUN
ajbmeb-3081	33	8	in	in	ADP
ajbmeb-3081	33	9	doing	do	VERB
ajbmeb-3081	33	10	theoretical	theoretical	ADJ
ajbmeb-3081	33	11	basis	basis	NOUN
ajbmeb-3081	33	12	created	create	VERB
ajbmeb-3081	33	13	in	in	ADP
ajbmeb-3081	33	14	the	the	DET
ajbmeb-3081	33	15	banking	banking	NOUN
ajbmeb-3081	33	16	system	system	NOUN
ajbmeb-3081	33	17	of	of	ADP
ajbmeb-3081	33	18	uzbekistan	uzbekistan	PROPN
ajbmeb-3081	33	19	digital	digital	PROPN
ajbmeb-3081	33	20	banking	banking	PROPN
ajbmeb-3081	33	21	services	service	NOUN
ajbmeb-3081	33	22	development	development	NOUN
ajbmeb-3081	33	23	practical	practical	ADJ
ajbmeb-3081	33	24	mechanisms	mechanism	NOUN
ajbmeb-3081	33	25	working	work	VERB
ajbmeb-3081	33	26	to	to	PART
ajbmeb-3081	33	27	go	go	VERB
ajbmeb-3081	33	28	out	out	ADP
ajbmeb-3081	33	29	service	service	NOUN
ajbmeb-3081	33	30	does	do	VERB
ajbmeb-3081	33	31	.	.	PUNCT
ajbmeb-3081	34	1	research	research	NOUN
ajbmeb-3081	34	2	methodology	methodology	PROPN
ajbmeb-3081	34	3	research	research	NOUN
ajbmeb-3081	34	4	commerce	commerce	NOUN
ajbmeb-3081	34	5	banks	bank	NOUN
ajbmeb-3081	34	6	activity	activity	VERB
ajbmeb-3081	34	7	digital	digital	ADJ
ajbmeb-3081	34	8	business	business	NOUN
ajbmeb-3081	34	9	to	to	ADP
ajbmeb-3081	34	10	the	the	DET
ajbmeb-3081	34	11	model	model	NOUN
ajbmeb-3081	34	12	of	of	ADP
ajbmeb-3081	34	13	transfer	transfer	NOUN
ajbmeb-3081	34	14	theoretical	theoretical	ADJ
ajbmeb-3081	34	15	and	and	CCONJ
ajbmeb-3081	34	16	practical	practical	ADJ
ajbmeb-3081	34	17	the	the	DET
ajbmeb-3081	34	18	basics	basic	NOUN
ajbmeb-3081	34	19	to	to	PART
ajbmeb-3081	34	20	study	study	VERB
ajbmeb-3081	34	21	focused	focus	VERB
ajbmeb-3081	34	22	on	on	ADP
ajbmeb-3081	34	23	the	the	DET
ajbmeb-3081	34	24	goal	goal	NOUN
ajbmeb-3081	34	25	achieve	achieve	VERB
ajbmeb-3081	34	26	for	for	ADP
ajbmeb-3081	34	27	following	follow	VERB
ajbmeb-3081	34	28	main	main	ADJ
ajbmeb-3081	34	29	approach	approach	NOUN
ajbmeb-3081	34	30	and	and	CCONJ
ajbmeb-3081	34	31	methods	method	NOUN
ajbmeb-3081	34	32	used	use	VERB
ajbmeb-3081	34	33	:	:	PUNCT
ajbmeb-3081	34	34	•	•	ADP
ajbmeb-3081	34	35	systematic	systematic	ADJ
ajbmeb-3081	34	36	and	and	CCONJ
ajbmeb-3081	34	37	complex	complex	ADJ
ajbmeb-3081	34	38	approach	approach	NOUN
ajbmeb-3081	34	39	–	–	PUNCT
ajbmeb-3081	34	40	banking	banking	NOUN
ajbmeb-3081	34	41	services	service	NOUN
ajbmeb-3081	34	42	historical	historical	ADJ
ajbmeb-3081	34	43	development	development	NOUN
ajbmeb-3081	34	44	,	,	PUNCT
ajbmeb-3081	34	45	digital	digital	ADJ
ajbmeb-3081	34	46	transformation	transformation	NOUN
ajbmeb-3081	34	47	stages	stage	NOUN
ajbmeb-3081	34	48	and	and	CCONJ
ajbmeb-3081	34	49	modern	modern	ADJ
ajbmeb-3081	34	50	technologies	technology	NOUN
ajbmeb-3081	34	51	impact	impact	VERB
ajbmeb-3081	34	52	each	each	DET
ajbmeb-3081	34	53	other	other	ADJ
ajbmeb-3081	34	54	in	in	ADP
ajbmeb-3081	34	55	connection	connection	NOUN
ajbmeb-3081	34	56	analysis	analysis	NOUN
ajbmeb-3081	34	57	was	be	AUX
ajbmeb-3081	34	58	done	do	VERB
ajbmeb-3081	34	59	.	.	PUNCT
ajbmeb-3081	35	1	•	•	NUM
ajbmeb-3081	35	2	comparative	comparative	ADJ
ajbmeb-3081	35	3	and	and	CCONJ
ajbmeb-3081	35	4	dynamic	dynamic	ADJ
ajbmeb-3081	35	5	analysis	analysis	NOUN
ajbmeb-3081	35	6	–	–	PUNCT
ajbmeb-3081	35	7	usa	usa	NOUN
ajbmeb-3081	35	8	,	,	PUNCT
ajbmeb-3081	35	9	great	great	PROPN
ajbmeb-3081	35	10	britain	britain	PROPN
ajbmeb-3081	35	11	britain	britain	PROPN
ajbmeb-3081	35	12	,	,	PUNCT
ajbmeb-3081	35	13	russia	russia	PROPN
ajbmeb-3081	35	14	and	and	CCONJ
ajbmeb-3081	35	15	banking	banking	NOUN
ajbmeb-3081	35	16	systems	system	NOUN
ajbmeb-3081	35	17	of	of	ADP
ajbmeb-3081	35	18	uzbekistan	uzbekistan	PROPN
ajbmeb-3081	35	19	according	accord	VERB
ajbmeb-3081	35	20	to	to	ADP
ajbmeb-3081	35	21	statistic	statistic	ADJ
ajbmeb-3081	35	22	information	information	NOUN
ajbmeb-3081	35	23	based	base	VERB
ajbmeb-3081	35	24	on	on	ADP
ajbmeb-3081	35	25	banks	bank	NOUN
ajbmeb-3081	35	26	number	number	NOUN
ajbmeb-3081	35	27	,	,	PUNCT
ajbmeb-3081	35	28	branch	branch	NOUN
ajbmeb-3081	35	29	networks	network	NOUN
ajbmeb-3081	35	30	,	,	PUNCT
ajbmeb-3081	35	31	digital	digital	ADJ
ajbmeb-3081	35	32	services	service	NOUN
ajbmeb-3081	35	33	and	and	CCONJ
ajbmeb-3081	35	34	customer	customer	NOUN
ajbmeb-3081	35	35	in	in	ADP
ajbmeb-3081	35	36	needs	need	NOUN
ajbmeb-3081	35	37	changes	change	NOUN
ajbmeb-3081	35	38	compared	compare	VERB
ajbmeb-3081	35	39	.	.	PUNCT
ajbmeb-3081	36	1	•	•	NUM
ajbmeb-3081	36	2	graphic	graphic	ADJ
ajbmeb-3081	36	3	and	and	CCONJ
ajbmeb-3081	36	4	table	table	NOUN
ajbmeb-3081	36	5	methods	method	NOUN
ajbmeb-3081	36	6	–	–	PUNCT
ajbmeb-3081	36	7	banks	bank	NOUN
ajbmeb-3081	36	8	profitability	profitability	NOUN
ajbmeb-3081	36	9	,	,	PUNCT
ajbmeb-3081	36	10	liquidity	liquidity	NOUN
ajbmeb-3081	36	11	,	,	PUNCT
ajbmeb-3081	36	12	p2p	p2p	NOUN
ajbmeb-3081	36	13	payments	payment	NOUN
ajbmeb-3081	36	14	,	,	PUNCT
ajbmeb-3081	36	15	mobile	mobile	ADJ
ajbmeb-3081	36	16	banking	banking	NOUN
ajbmeb-3081	36	17	,	,	PUNCT
ajbmeb-3081	36	18	etc	etc	X
ajbmeb-3081	36	19	.	.	X
ajbmeb-3081	36	20	main	main	ADJ
ajbmeb-3081	36	21	indicators	indicator	NOUN
ajbmeb-3081	36	22	graphic	graphic	ADJ
ajbmeb-3081	36	23	and	and	CCONJ
ajbmeb-3081	36	24	table	table	NOUN
ajbmeb-3081	36	25	in	in	ADP
ajbmeb-3081	36	26	appearance	appearance	NOUN
ajbmeb-3081	36	27	was	be	AUX
ajbmeb-3081	36	28	evaluated	evaluate	VERB
ajbmeb-3081	36	29	.	.	PUNCT
ajbmeb-3081	37	1	•	•	NUM
ajbmeb-3081	37	2	expert	expert	NOUN
ajbmeb-3081	37	3	assessment	assessment	NOUN
ajbmeb-3081	37	4	–	–	PUNCT
ajbmeb-3081	37	5	in	in	ADP
ajbmeb-3081	37	6	the	the	DET
ajbmeb-3081	37	7	banking	banking	NOUN
ajbmeb-3081	37	8	sector	sector	NOUN
ajbmeb-3081	37	9	local	local	ADJ
ajbmeb-3081	37	10	and	and	CCONJ
ajbmeb-3081	37	11	foreign	foreign	ADJ
ajbmeb-3081	37	12	experts	expert	NOUN
ajbmeb-3081	37	13	thoughts	thought	NOUN
ajbmeb-3081	37	14	and	and	CCONJ
ajbmeb-3081	37	15	progressive	progressive	ADJ
ajbmeb-3081	37	16	international	international	ADJ
ajbmeb-3081	37	17	experience	experience	NOUN
ajbmeb-3081	37	18	analysis	analysis	NOUN
ajbmeb-3081	37	19	was	be	AUX
ajbmeb-3081	37	20	done	do	VERB
ajbmeb-3081	37	21	.	.	PUNCT
ajbmeb-3081	38	1	information	information	NOUN
ajbmeb-3081	38	2	sources	source	NOUN
ajbmeb-3081	38	3	as	as	ADP
ajbmeb-3081	38	4	national	national	ADJ
ajbmeb-3081	38	5	and	and	CCONJ
ajbmeb-3081	38	6	international	international	ADJ
ajbmeb-3081	38	7	financial	financial	ADJ
ajbmeb-3081	38	8	reports	report	NOUN
ajbmeb-3081	38	9	,	,	PUNCT
ajbmeb-3081	38	10	open	open	ADJ
ajbmeb-3081	38	11	banking	banking	NOUN
ajbmeb-3081	38	12	initiative	initiative	NOUN
ajbmeb-3081	38	13	according	accord	VERB
ajbmeb-3081	38	14	to	to	ADP
ajbmeb-3081	38	15	open	open	ADJ
ajbmeb-3081	38	16	api	api	NOUN
ajbmeb-3081	38	17	standards	standard	NOUN
ajbmeb-3081	38	18	about	about	ADP
ajbmeb-3081	38	19	statistic	statistic	ADJ
ajbmeb-3081	38	20	data	datum	NOUN
ajbmeb-3081	38	21	,	,	PUNCT
ajbmeb-3081	38	22	as	as	ADV
ajbmeb-3081	38	23	well	well	ADV
ajbmeb-3081	38	24	as	as	ADP
ajbmeb-3081	38	25	sed	se	VERB
ajbmeb-3081	38	26	y	y	PROPN
ajbmeb-3081	38	27	x	x	PROPN
ajbmeb-3081	38	28	ia	ia	PROPN
ajbmeb-3081	38	29	,	,	PUNCT
ajbmeb-3081	38	30	tarkhanova	tarkhanova	X
ajbmeb-3081	38	31	ea	ea	NUM
ajbmeb-3081	38	32	,	,	PUNCT
ajbmeb-3081	38	33	tereshenko	tereshenko	VERB
ajbmeb-3081	38	34	vs	vs	ADP
ajbmeb-3081	38	35	,	,	PUNCT
ajbmeb-3081	38	36	hand	hand	NOUN
ajbmeb-3081	38	37	d.dj	d.dj	PROPN
ajbmeb-3081	38	38	.	.	PUNCT
ajbmeb-3081	38	39	,	,	PUNCT
ajbmeb-3081	38	40	shcherbakova	shcherbakova	VERB
ajbmeb-3081	38	41	nv	nv	PROPN
ajbmeb-3081	38	42	of	of	ADP
ajbmeb-3081	38	43	scientists	scientist	NOUN
ajbmeb-3081	38	44	scientific	scientific	ADJ
ajbmeb-3081	38	45	works	work	NOUN
ajbmeb-3081	38	46	[	[	X
ajbmeb-3081	38	47	1–5	1–5	X
ajbmeb-3081	38	48	]	]	X
ajbmeb-3081	38	49	extensive	extensive	ADJ
ajbmeb-3081	38	50	was	be	AUX
ajbmeb-3081	38	51	used	use	VERB
ajbmeb-3081	38	52	.	.	PUNCT
ajbmeb-3081	39	1	as	as	ADP
ajbmeb-3081	39	2	a	a	DET
ajbmeb-3081	39	3	result	result	NOUN
ajbmeb-3081	39	4	of	of	ADP
ajbmeb-3081	39	5	banks	bank	NOUN
ajbmeb-3081	39	6	digital	digital	ADJ
ajbmeb-3081	39	7	transformation	transformation	NOUN
ajbmeb-3081	39	8	effective	effective	ADJ
ajbmeb-3081	39	9	management	management	NOUN
ajbmeb-3081	39	10	,	,	PUNCT
ajbmeb-3081	39	11	risks	risk	NOUN
ajbmeb-3081	39	12	reduce	reduce	VERB
ajbmeb-3081	39	13	and	and	CCONJ
ajbmeb-3081	39	14	to	to	ADP
ajbmeb-3081	39	15	the	the	DET
ajbmeb-3081	39	16	customer	customer	NOUN
ajbmeb-3081	39	17	directed	direct	VERB
ajbmeb-3081	39	18	services	service	NOUN
ajbmeb-3081	39	19	quality	quality	NOUN
ajbmeb-3081	39	20	to	to	PART
ajbmeb-3081	39	21	increase	increase	VERB
ajbmeb-3081	39	22	aimed	aim	VERB
ajbmeb-3081	39	23	at	at	ADP
ajbmeb-3081	39	24	scientific	scientific	ADJ
ajbmeb-3081	39	25	and	and	CCONJ
ajbmeb-3081	39	26	practical	practical	ADJ
ajbmeb-3081	39	27	conclusions	conclusion	NOUN
ajbmeb-3081	39	28	working	work	VERB
ajbmeb-3081	39	29	it	it	PRON
ajbmeb-3081	39	30	was	be	AUX
ajbmeb-3081	39	31	released	release	VERB
ajbmeb-3081	39	32	.	.	PUNCT
ajbmeb-3081	40	1	analysis	analysis	NOUN
ajbmeb-3081	40	2	and	and	CCONJ
ajbmeb-3081	40	3	discussion	discussion	NOUN
ajbmeb-3081	40	4	of	of	ADP
ajbmeb-3081	40	5	results	result	NOUN
ajbmeb-3081	40	6	currently	currently	ADV
ajbmeb-3081	40	7	,	,	PUNCT
ajbmeb-3081	40	8	the	the	DET
ajbmeb-3081	40	9	need	need	NOUN
ajbmeb-3081	40	10	for	for	ADP
ajbmeb-3081	40	11	remote	remote	ADJ
ajbmeb-3081	40	12	banking	banking	NOUN
ajbmeb-3081	40	13	services	service	NOUN
ajbmeb-3081	40	14	is	be	AUX
ajbmeb-3081	40	15	growing	grow	VERB
ajbmeb-3081	40	16	day	day	NOUN
ajbmeb-3081	40	17	by	by	ADP
ajbmeb-3081	40	18	day	day	NOUN
ajbmeb-3081	40	19	.	.	PUNCT
ajbmeb-3081	41	1	45	45	NUM
ajbmeb-3081	41	2	percent	percent	NOUN
ajbmeb-3081	41	3	of	of	ADP
ajbmeb-3081	41	4	the	the	DET
ajbmeb-3081	41	5	population	population	NOUN
ajbmeb-3081	41	6	of	of	ADP
ajbmeb-3081	41	7	our	our	PRON
ajbmeb-3081	41	8	country	country	NOUN
ajbmeb-3081	41	9	uses	use	VERB
ajbmeb-3081	41	10	mobile	mobile	ADJ
ajbmeb-3081	41	11	banking	banking	NOUN
ajbmeb-3081	41	12	,	,	PUNCT
ajbmeb-3081	41	13	choosing	choose	VERB
ajbmeb-3081	41	14	modern	modern	ADJ
ajbmeb-3081	41	15	mobile	mobile	ADJ
ajbmeb-3081	41	16	devices	device	NOUN
ajbmeb-3081	41	17	as	as	ADP
ajbmeb-3081	41	18	the	the	DET
ajbmeb-3081	41	19	most	most	ADV
ajbmeb-3081	41	20	optimal	optimal	ADJ
ajbmeb-3081	41	21	solution	solution	NOUN
ajbmeb-3081	41	22	for	for	ADP
ajbmeb-3081	41	23	carrying	carry	VERB
ajbmeb-3081	41	24	out	out	ADP
ajbmeb-3081	41	25	banking	banking	NOUN
ajbmeb-3081	41	26	services	service	NOUN
ajbmeb-3081	41	27	and	and	CCONJ
ajbmeb-3081	41	28	banking	banking	NOUN
ajbmeb-3081	41	29	operations	operation	NOUN
ajbmeb-3081	41	30	.	.	PUNCT
ajbmeb-3081	42	1	in	in	ADP
ajbmeb-3081	42	2	such	such	ADJ
ajbmeb-3081	42	3	conditions	condition	NOUN
ajbmeb-3081	42	4	,	,	PUNCT
ajbmeb-3081	42	5	the	the	DET
ajbmeb-3081	42	6	development	development	NOUN
ajbmeb-3081	42	7	of	of	ADP
ajbmeb-3081	42	8	digital	digital	ADJ
ajbmeb-3081	42	9	technologies	technology	NOUN
ajbmeb-3081	42	10	will	will	AUX
ajbmeb-3081	42	11	undoubtedly	undoubtedly	ADV
ajbmeb-3081	42	12	lead	lead	VERB
ajbmeb-3081	42	13	to	to	ADP
ajbmeb-3081	42	14	significant	significant	ADJ
ajbmeb-3081	42	15	changes	change	NOUN
ajbmeb-3081	42	16	in	in	ADP
ajbmeb-3081	42	17	the	the	DET
ajbmeb-3081	42	18	nature	nature	NOUN
ajbmeb-3081	42	19	and	and	CCONJ
ajbmeb-3081	42	20	scope	scope	NOUN
ajbmeb-3081	42	21	of	of	ADP
ajbmeb-3081	42	22	risks	risk	NOUN
ajbmeb-3081	42	23	faced	face	VERB
ajbmeb-3081	42	24	by	by	ADP
ajbmeb-3081	42	25	commercial	commercial	ADJ
ajbmeb-3081	42	26	banks	bank	NOUN
ajbmeb-3081	42	27	.	.	PUNCT
ajbmeb-3081	43	1	all	all	DET
ajbmeb-3081	43	2	this	this	PRON
ajbmeb-3081	43	3	means	mean	VERB
ajbmeb-3081	43	4	that	that	SCONJ
ajbmeb-3081	43	5	commercial	commercial	ADJ
ajbmeb-3081	43	6	banks	bank	NOUN
ajbmeb-3081	43	7	that	that	PRON
ajbmeb-3081	43	8	want	want	VERB
ajbmeb-3081	43	9	to	to	PART
ajbmeb-3081	43	10	develop	develop	VERB
ajbmeb-3081	43	11	need	need	VERB
ajbmeb-3081	43	12	to	to	PART
ajbmeb-3081	43	13	apply	apply	VERB
ajbmeb-3081	43	14	new	new	ADJ
ajbmeb-3081	43	15	business	business	NOUN
ajbmeb-3081	43	16	models	model	NOUN
ajbmeb-3081	43	17	,	,	PUNCT
ajbmeb-3081	43	18	timely	timely	ADJ
ajbmeb-3081	43	19	digitization	digitization	NOUN
ajbmeb-3081	43	20	,	,	PUNCT
ajbmeb-3081	43	21	a	a	DET
ajbmeb-3081	43	22	thorough	thorough	ADJ
ajbmeb-3081	43	23	understanding	understanding	NOUN
ajbmeb-3081	43	24	of	of	ADP
ajbmeb-3081	43	25	international	international	ADJ
ajbmeb-3081	43	26	transformation	transformation	NOUN
ajbmeb-3081	43	27	processes	process	NOUN
ajbmeb-3081	43	28	and	and	CCONJ
ajbmeb-3081	43	29	monitoring	monitor	VERB
ajbmeb-3081	43	30	their	their	PRON
ajbmeb-3081	43	31	trends	trend	NOUN
ajbmeb-3081	43	32	,	,	PUNCT
ajbmeb-3081	43	33	and	and	CCONJ
ajbmeb-3081	43	34	,	,	PUNCT
ajbmeb-3081	43	35	if	if	SCONJ
ajbmeb-3081	43	36	necessary	necessary	ADJ
ajbmeb-3081	43	37	,	,	PUNCT
ajbmeb-3081	43	38	implement	implement	VERB
ajbmeb-3081	43	39	them	they	PRON
ajbmeb-3081	43	40	.	.	PUNCT
ajbmeb-3081	44	1	over	over	ADP
ajbmeb-3081	44	2	the	the	DET
ajbmeb-3081	44	3	past	past	ADJ
ajbmeb-3081	44	4	historical	historical	ADJ
ajbmeb-3081	44	5	period	period	NOUN
ajbmeb-3081	44	6	,	,	PUNCT
ajbmeb-3081	44	7	we	we	PRON
ajbmeb-3081	44	8	can	can	AUX
ajbmeb-3081	44	9	witness	witness	VERB
ajbmeb-3081	44	10	that	that	SCONJ
ajbmeb-3081	44	11	changes	change	NOUN
ajbmeb-3081	44	12	in	in	ADP
ajbmeb-3081	44	13	the	the	DET
ajbmeb-3081	44	14	direction	direction	NOUN
ajbmeb-3081	44	15	of	of	ADP
ajbmeb-3081	44	16	banking	banking	NOUN
ajbmeb-3081	44	17	management	management	NOUN
ajbmeb-3081	44	18	and	and	CCONJ
ajbmeb-3081	44	19	monetary	monetary	ADJ
ajbmeb-3081	44	20	policy	policy	NOUN
ajbmeb-3081	44	21	have	have	AUX
ajbmeb-3081	44	22	occurred	occur	VERB
ajbmeb-3081	44	23	simultaneously	simultaneously	ADV
ajbmeb-3081	44	24	with	with	ADP
ajbmeb-3081	44	25	the	the	DET
ajbmeb-3081	44	26	development	development	NOUN
ajbmeb-3081	44	27	of	of	ADP
ajbmeb-3081	44	28	banking	banking	NOUN
ajbmeb-3081	44	29	activities	activity	NOUN
ajbmeb-3081	44	30	(	(	PUNCT
ajbmeb-3081	44	31	table	table	NOUN
ajbmeb-3081	44	32	1.1.1	1.1.1	NUM
ajbmeb-3081	44	33	)	)	PUNCT
ajbmeb-3081	44	34	.	.	PUNCT
ajbmeb-3081	45	1	the	the	DET
ajbmeb-3081	45	2	first	first	ADJ
ajbmeb-3081	45	3	stage	stage	NOUN
ajbmeb-3081	45	4	(	(	PUNCT
ajbmeb-3081	45	5	until	until	ADP
ajbmeb-3081	45	6	the	the	DET
ajbmeb-3081	45	7	end	end	NOUN
ajbmeb-3081	45	8	of	of	ADP
ajbmeb-3081	45	9	the	the	DET
ajbmeb-3081	45	10	14th	14th	ADJ
ajbmeb-3081	45	11	century	century	NOUN
ajbmeb-3081	45	12	)	)	PUNCT
ajbmeb-3081	45	13	.	.	PUNCT
ajbmeb-3081	46	1	it	it	PRON
ajbmeb-3081	46	2	was	be	AUX
ajbmeb-3081	46	3	characterized	characterize	VERB
ajbmeb-3081	46	4	by	by	ADP
ajbmeb-3081	46	5	the	the	DET
ajbmeb-3081	46	6	introduction	introduction	NOUN
ajbmeb-3081	46	7	of	of	ADP
ajbmeb-3081	46	8	state	state	NOUN
ajbmeb-3081	46	9	measures	measure	NOUN
ajbmeb-3081	46	10	to	to	PART
ajbmeb-3081	46	11	account	account	VERB
ajbmeb-3081	46	12	for	for	ADP
ajbmeb-3081	46	13	money	money	NOUN
ajbmeb-3081	46	14	accepted	accept	VERB
ajbmeb-3081	46	15	for	for	ADP
ajbmeb-3081	46	16	storage	storage	NOUN
ajbmeb-3081	46	17	,	,	PUNCT
ajbmeb-3081	46	18	as	as	ADV
ajbmeb-3081	46	19	well	well	ADV
ajbmeb-3081	46	20	as	as	ADP
ajbmeb-3081	46	21	to	to	PART
ajbmeb-3081	46	22	limit	limit	VERB
ajbmeb-3081	46	23	interest	interest	NOUN
ajbmeb-3081	46	24	rates	rate	NOUN
ajbmeb-3081	46	25	on	on	ADP
ajbmeb-3081	46	26	loans	loan	NOUN
ajbmeb-3081	46	27	.	.	PUNCT
ajbmeb-3081	47	1	the	the	DET
ajbmeb-3081	47	2	second	second	ADJ
ajbmeb-3081	47	3	stage	stage	NOUN
ajbmeb-3081	47	4	(	(	PUNCT
ajbmeb-3081	47	5	from	from	ADP
ajbmeb-3081	47	6	the	the	DET
ajbmeb-3081	47	7	15th	15th	ADJ
ajbmeb-3081	47	8	century	century	NOUN
ajbmeb-3081	47	9	to	to	ADP
ajbmeb-3081	47	10	the	the	DET
ajbmeb-3081	47	11	first	first	ADJ
ajbmeb-3081	47	12	half	half	NOUN
ajbmeb-3081	47	13	of	of	ADP
ajbmeb-3081	47	14	the	the	DET
ajbmeb-3081	47	15	17th	17th	ADJ
ajbmeb-3081	47	16	century	century	NOUN
ajbmeb-3081	47	17	)	)	PUNCT
ajbmeb-3081	47	18	is	be	AUX
ajbmeb-3081	47	19	characterized	characterize	VERB
ajbmeb-3081	47	20	by	by	ADP
ajbmeb-3081	47	21	the	the	DET
ajbmeb-3081	47	22	deepening	deepening	NOUN
ajbmeb-3081	47	23	of	of	ADP
ajbmeb-3081	47	24	the	the	DET
ajbmeb-3081	47	25	regulation	regulation	NOUN
ajbmeb-3081	47	26	of	of	ADP
ajbmeb-3081	47	27	the	the	DET
ajbmeb-3081	47	28	activities	activity	NOUN
ajbmeb-3081	47	29	of	of	ADP
ajbmeb-3081	47	30	commercial	commercial	ADJ
ajbmeb-3081	47	31	banks	bank	NOUN
ajbmeb-3081	47	32	,	,	PUNCT
ajbmeb-3081	47	33	the	the	DET
ajbmeb-3081	47	34	development	development	NOUN
ajbmeb-3081	47	35	of	of	ADP
ajbmeb-3081	47	36	measures	measure	NOUN
ajbmeb-3081	47	37	to	to	PART
ajbmeb-3081	47	38	maintain	maintain	VERB
ajbmeb-3081	47	39	records	record	NOUN
ajbmeb-3081	47	40	of	of	ADP
ajbmeb-3081	47	41	money	money	NOUN
ajbmeb-3081	47	42	received	receive	VERB
ajbmeb-3081	47	43	for	for	ADP
ajbmeb-3081	47	44	safekeeping	safekeeping	NOUN
ajbmeb-3081	47	45	,	,	PUNCT
ajbmeb-3081	47	46	limit	limit	VERB
ajbmeb-3081	47	47	interest	interest	NOUN
ajbmeb-3081	47	48	rates	rate	NOUN
ajbmeb-3081	47	49	on	on	ADP
ajbmeb-3081	47	50	loans	loan	NOUN
ajbmeb-3081	47	51	,	,	PUNCT
ajbmeb-3081	47	52	and	and	CCONJ
ajbmeb-3081	47	53	restrict	restrict	VERB
ajbmeb-3081	47	54	the	the	DET
ajbmeb-3081	47	55	circulation	circulation	NOUN
ajbmeb-3081	47	56	of	of	ADP
ajbmeb-3081	47	57	bills	bill	NOUN
ajbmeb-3081	47	58	of	of	ADP
ajbmeb-3081	47	59	exchange	exchange	NOUN
ajbmeb-3081	47	60	.	.	PUNCT
ajbmeb-3081	48	1	american	american	ADJ
ajbmeb-3081	48	2	journal	journal	PROPN
ajbmeb-3081	48	3	of	of	ADP
ajbmeb-3081	48	4	business	business	NOUN
ajbmeb-3081	48	5	management	management	NOUN
ajbmeb-3081	48	6	,	,	PUNCT
ajbmeb-3081	48	7	economics	economic	NOUN
ajbmeb-3081	48	8	and	and	CCONJ
ajbmeb-3081	48	9	banking	banking	NOUN
ajbmeb-3081	48	10	volume	volume	NOUN
ajbmeb-3081	48	11	40	40	NUM
ajbmeb-3081	49	1	september2025	september2025	PROPN
ajbmeb-3081	49	2	p	p	NOUN
ajbmeb-3081	49	3	a	a	DET
ajbmeb-3081	49	4	g	g	NOUN
ajbmeb-3081	49	5	e	e	NOUN
ajbmeb-3081	49	6	|	|	ADV
ajbmeb-3081	49	7	27	27	NUM
ajbmeb-3081	49	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	49	9	in	in	ADP
ajbmeb-3081	49	10	the	the	DET
ajbmeb-3081	49	11	third	third	ADJ
ajbmeb-3081	49	12	stage	stage	NOUN
ajbmeb-3081	49	13	(	(	PUNCT
ajbmeb-3081	49	14	from	from	ADP
ajbmeb-3081	49	15	the	the	DET
ajbmeb-3081	49	16	end	end	NOUN
ajbmeb-3081	49	17	of	of	ADP
ajbmeb-3081	49	18	the	the	DET
ajbmeb-3081	49	19	18th	18th	ADJ
ajbmeb-3081	49	20	century	century	NOUN
ajbmeb-3081	49	21	to	to	ADP
ajbmeb-3081	49	22	the	the	DET
ajbmeb-3081	49	23	1930s	1930	NOUN
ajbmeb-3081	49	24	)	)	PUNCT
ajbmeb-3081	49	25	,	,	PUNCT
ajbmeb-3081	49	26	the	the	DET
ajbmeb-3081	49	27	activities	activity	NOUN
ajbmeb-3081	49	28	of	of	ADP
ajbmeb-3081	49	29	commercial	commercial	ADJ
ajbmeb-3081	49	30	banks	bank	NOUN
ajbmeb-3081	49	31	were	be	AUX
ajbmeb-3081	49	32	fully	fully	ADV
ajbmeb-3081	49	33	regulated	regulate	VERB
ajbmeb-3081	49	34	.	.	PUNCT
ajbmeb-3081	50	1	in	in	ADP
ajbmeb-3081	50	2	the	the	DET
ajbmeb-3081	50	3	fourth	fourth	ADJ
ajbmeb-3081	50	4	stage	stage	NOUN
ajbmeb-3081	50	5	(	(	PUNCT
ajbmeb-3081	50	6	from	from	ADP
ajbmeb-3081	50	7	the	the	DET
ajbmeb-3081	50	8	1930s	1930	NOUN
ajbmeb-3081	50	9	to	to	ADP
ajbmeb-3081	50	10	the	the	DET
ajbmeb-3081	50	11	1980s	1980s	NUM
ajbmeb-3081	50	12	)	)	PUNCT
ajbmeb-3081	50	13	,	,	PUNCT
ajbmeb-3081	50	14	the	the	DET
ajbmeb-3081	50	15	activities	activity	NOUN
ajbmeb-3081	50	16	of	of	ADP
ajbmeb-3081	50	17	commercial	commercial	ADJ
ajbmeb-3081	50	18	banks	bank	NOUN
ajbmeb-3081	50	19	this	this	PRON
ajbmeb-3081	50	20	is	be	AUX
ajbmeb-3081	50	21	explained	explain	VERB
ajbmeb-3081	50	22	by	by	ADP
ajbmeb-3081	50	23	the	the	DET
ajbmeb-3081	50	24	increase	increase	NOUN
ajbmeb-3081	50	25	in	in	ADP
ajbmeb-3081	50	26	effective	effective	ADJ
ajbmeb-3081	50	27	regulatory	regulatory	ADJ
ajbmeb-3081	50	28	measures	measure	NOUN
ajbmeb-3081	50	29	and	and	CCONJ
ajbmeb-3081	50	30	strengthening	strengthening	NOUN
ajbmeb-3081	50	31	of	of	ADP
ajbmeb-3081	50	32	sanctions	sanction	NOUN
ajbmeb-3081	50	33	,	,	PUNCT
ajbmeb-3081	50	34	as	as	ADV
ajbmeb-3081	50	35	well	well	ADV
ajbmeb-3081	50	36	as	as	ADP
ajbmeb-3081	50	37	the	the	DET
ajbmeb-3081	50	38	development	development	NOUN
ajbmeb-3081	50	39	of	of	ADP
ajbmeb-3081	50	40	requirements	requirement	NOUN
ajbmeb-3081	50	41	for	for	ADP
ajbmeb-3081	50	42	independent	independent	ADJ
ajbmeb-3081	50	43	bank	bank	NOUN
ajbmeb-3081	50	44	audits	audits	NOUN
ajbmeb-3081	50	45	.	.	PUNCT
ajbmeb-3081	51	1	today	today	NOUN
ajbmeb-3081	51	2	's	's	PART
ajbmeb-3081	51	3	international	international	ADJ
ajbmeb-3081	51	4	rating	rating	NOUN
ajbmeb-3081	51	5	agencies	agency	NOUN
ajbmeb-3081	51	6	act	act	VERB
ajbmeb-3081	51	7	as	as	ADP
ajbmeb-3081	51	8	global	global	ADJ
ajbmeb-3081	51	9	banking	banking	NOUN
ajbmeb-3081	51	10	regulators	regulator	NOUN
ajbmeb-3081	51	11	.	.	PUNCT
ajbmeb-3081	52	1	in	in	ADP
ajbmeb-3081	52	2	the	the	DET
ajbmeb-3081	52	3	fifth	fifth	ADJ
ajbmeb-3081	52	4	stage	stage	NOUN
ajbmeb-3081	52	5	(	(	PUNCT
ajbmeb-3081	52	6	from	from	ADP
ajbmeb-3081	52	7	the	the	DET
ajbmeb-3081	52	8	1980s	1980	NOUN
ajbmeb-3081	52	9	to	to	ADP
ajbmeb-3081	52	10	the	the	DET
ajbmeb-3081	52	11	present	present	ADJ
ajbmeb-3081	52	12	day	day	NOUN
ajbmeb-3081	52	13	)	)	PUNCT
ajbmeb-3081	52	14	,	,	PUNCT
ajbmeb-3081	52	15	the	the	DET
ajbmeb-3081	52	16	active	active	ADJ
ajbmeb-3081	52	17	introduction	introduction	NOUN
ajbmeb-3081	52	18	of	of	ADP
ajbmeb-3081	52	19	modern	modern	ADJ
ajbmeb-3081	52	20	technologies	technology	NOUN
ajbmeb-3081	52	21	,	,	PUNCT
ajbmeb-3081	52	22	telecommunications	telecommunication	NOUN
ajbmeb-3081	52	23	,	,	PUNCT
ajbmeb-3081	52	24	and	and	CCONJ
ajbmeb-3081	52	25	later	later	ADV
ajbmeb-3081	52	26	digital	digital	ADJ
ajbmeb-3081	52	27	technologies	technology	NOUN
ajbmeb-3081	52	28	into	into	ADP
ajbmeb-3081	52	29	the	the	DET
ajbmeb-3081	52	30	activities	activity	NOUN
ajbmeb-3081	52	31	of	of	ADP
ajbmeb-3081	52	32	commercial	commercial	ADJ
ajbmeb-3081	52	33	banks	bank	NOUN
ajbmeb-3081	52	34	led	lead	VERB
ajbmeb-3081	52	35	to	to	ADP
ajbmeb-3081	52	36	significant	significant	ADJ
ajbmeb-3081	52	37	changes	change	NOUN
ajbmeb-3081	52	38	in	in	ADP
ajbmeb-3081	52	39	the	the	DET
ajbmeb-3081	52	40	quality	quality	NOUN
ajbmeb-3081	52	41	and	and	CCONJ
ajbmeb-3081	52	42	price	price	NOUN
ajbmeb-3081	52	43	of	of	ADP
ajbmeb-3081	52	44	banking	banking	NOUN
ajbmeb-3081	52	45	operations	operation	NOUN
ajbmeb-3081	52	46	and	and	CCONJ
ajbmeb-3081	52	47	banking	banking	NOUN
ajbmeb-3081	52	48	services	service	NOUN
ajbmeb-3081	52	49	,	,	PUNCT
ajbmeb-3081	52	50	which	which	PRON
ajbmeb-3081	52	51	had	have	VERB
ajbmeb-3081	52	52	a	a	DET
ajbmeb-3081	52	53	significant	significant	ADJ
ajbmeb-3081	52	54	impact	impact	NOUN
ajbmeb-3081	52	55	on	on	ADP
ajbmeb-3081	52	56	the	the	DET
ajbmeb-3081	52	57	liberalization	liberalization	NOUN
ajbmeb-3081	52	58	of	of	ADP
ajbmeb-3081	52	59	the	the	DET
ajbmeb-3081	52	60	activities	activity	NOUN
ajbmeb-3081	52	61	of	of	ADP
ajbmeb-3081	52	62	commercial	commercial	ADJ
ajbmeb-3081	52	63	banks	bank	NOUN
ajbmeb-3081	52	64	and	and	CCONJ
ajbmeb-3081	52	65	their	their	PRON
ajbmeb-3081	52	66	adaptation	adaptation	NOUN
ajbmeb-3081	52	67	to	to	ADP
ajbmeb-3081	52	68	customer	customer	NOUN
ajbmeb-3081	52	69	demand	demand	NOUN
ajbmeb-3081	52	70	(	(	PUNCT
ajbmeb-3081	52	71	table	table	NOUN
ajbmeb-3081	52	72	1	1	NUM
ajbmeb-3081	52	73	)	)	PUNCT
ajbmeb-3081	52	74	.	.	PUNCT
ajbmeb-3081	53	1	table	table	NOUN
ajbmeb-3081	53	2	1	1	NUM
ajbmeb-3081	53	3	periodic	periodic	ADJ
ajbmeb-3081	53	4	stages	stage	NOUN
ajbmeb-3081	53	5	of	of	ADP
ajbmeb-3081	53	6	transformation	transformation	NOUN
ajbmeb-3081	53	7	of	of	ADP
ajbmeb-3081	53	8	commercial	commercial	ADJ
ajbmeb-3081	53	9	banking	banking	NOUN
ajbmeb-3081	53	10	activities2	activities2	NOUN
ajbmeb-3081	53	11	stages	stage	NOUN
ajbmeb-3081	53	12	of	of	ADP
ajbmeb-3081	53	13	transformation	transformation	NOUN
ajbmeb-3081	53	14	of	of	ADP
ajbmeb-3081	53	15	commercial	commercial	ADJ
ajbmeb-3081	53	16	banks	bank	NOUN
ajbmeb-3081	53	17	characteristics	characteristic	NOUN
ajbmeb-3081	53	18	of	of	ADP
ajbmeb-3081	53	19	periodic	periodic	ADJ
ajbmeb-3081	53	20	stages	stage	NOUN
ajbmeb-3081	53	21	1950s	1950	NOUN
ajbmeb-3081	53	22	1970s	1970	NOUN
ajbmeb-3081	53	23	traditional	traditional	ADJ
ajbmeb-3081	53	24	banking	banking	NOUN
ajbmeb-3081	53	25	model	model	NOUN
ajbmeb-3081	53	26	the	the	DET
ajbmeb-3081	53	27	efficiency	efficiency	NOUN
ajbmeb-3081	53	28	of	of	ADP
ajbmeb-3081	53	29	banking	banking	NOUN
ajbmeb-3081	53	30	activities	activity	NOUN
ajbmeb-3081	53	31	is	be	AUX
ajbmeb-3081	53	32	focused	focus	VERB
ajbmeb-3081	53	33	on	on	ADP
ajbmeb-3081	53	34	the	the	DET
ajbmeb-3081	53	35	organization	organization	NOUN
ajbmeb-3081	53	36	and	and	CCONJ
ajbmeb-3081	53	37	presence	presence	NOUN
ajbmeb-3081	53	38	of	of	ADP
ajbmeb-3081	53	39	networks	network	NOUN
ajbmeb-3081	53	40	in	in	ADP
ajbmeb-3081	53	41	a	a	DET
ajbmeb-3081	53	42	convenient	convenient	ADJ
ajbmeb-3081	53	43	and	and	CCONJ
ajbmeb-3081	53	44	wide	wide	ADJ
ajbmeb-3081	53	45	geographical	geographical	ADJ
ajbmeb-3081	53	46	area	area	NOUN
ajbmeb-3081	53	47	.	.	PUNCT
ajbmeb-3081	54	1	there	there	PRON
ajbmeb-3081	54	2	has	have	AUX
ajbmeb-3081	54	3	been	be	AUX
ajbmeb-3081	54	4	a	a	DET
ajbmeb-3081	54	5	rapid	rapid	ADJ
ajbmeb-3081	54	6	growth	growth	NOUN
ajbmeb-3081	54	7	of	of	ADP
ajbmeb-3081	54	8	foreign	foreign	ADJ
ajbmeb-3081	54	9	branches	branch	NOUN
ajbmeb-3081	54	10	and	and	CCONJ
ajbmeb-3081	54	11	representative	representative	ADJ
ajbmeb-3081	54	12	offices	office	NOUN
ajbmeb-3081	54	13	of	of	ADP
ajbmeb-3081	54	14	commercial	commercial	ADJ
ajbmeb-3081	54	15	banks	bank	NOUN
ajbmeb-3081	54	16	.	.	PUNCT
ajbmeb-3081	55	1	in	in	ADP
ajbmeb-3081	55	2	this	this	DET
ajbmeb-3081	55	3	regard	regard	NOUN
ajbmeb-3081	55	4	,	,	PUNCT
ajbmeb-3081	55	5	remote	remote	ADJ
ajbmeb-3081	55	6	banking	banking	NOUN
ajbmeb-3081	55	7	services	service	NOUN
ajbmeb-3081	55	8	(	(	PUNCT
ajbmeb-3081	55	9	from	from	ADP
ajbmeb-3081	55	10	the	the	DET
ajbmeb-3081	55	11	perspective	perspective	NOUN
ajbmeb-3081	55	12	of	of	ADP
ajbmeb-3081	55	13	effective	effective	ADJ
ajbmeb-3081	55	14	use	use	NOUN
ajbmeb-3081	55	15	of	of	ADP
ajbmeb-3081	55	16	radio	radio	NOUN
ajbmeb-3081	55	17	,	,	PUNCT
ajbmeb-3081	55	18	telephone	telephone	NOUN
ajbmeb-3081	55	19	,	,	PUNCT
ajbmeb-3081	55	20	television	television	NOUN
ajbmeb-3081	55	21	)	)	PUNCT
ajbmeb-3081	55	22	are	be	AUX
ajbmeb-3081	55	23	considered	consider	VERB
ajbmeb-3081	55	24	important	important	ADJ
ajbmeb-3081	55	25	,	,	PUNCT
ajbmeb-3081	55	26	which	which	PRON
ajbmeb-3081	55	27	,	,	PUNCT
ajbmeb-3081	55	28	as	as	ADP
ajbmeb-3081	55	29	a	a	DET
ajbmeb-3081	55	30	rule	rule	NOUN
ajbmeb-3081	55	31	,	,	PUNCT
ajbmeb-3081	55	32	is	be	AUX
ajbmeb-3081	55	33	interpreted	interpret	VERB
ajbmeb-3081	55	34	as	as	ADP
ajbmeb-3081	55	35	the	the	DET
ajbmeb-3081	55	36	popularization	popularization	NOUN
ajbmeb-3081	55	37	of	of	ADP
ajbmeb-3081	55	38	banking	banking	NOUN
ajbmeb-3081	55	39	services	service	NOUN
ajbmeb-3081	55	40	1980s	1980	NOUN
ajbmeb-3081	55	41	—	—	PUNCT
ajbmeb-3081	55	42	1990s	1990s	NUM
ajbmeb-3081	55	43	the	the	DET
ajbmeb-3081	55	44	transition	transition	NOUN
ajbmeb-3081	55	45	of	of	ADP
ajbmeb-3081	55	46	banks	bank	NOUN
ajbmeb-3081	55	47	to	to	ADP
ajbmeb-3081	55	48	a	a	DET
ajbmeb-3081	55	49	business	business	NOUN
ajbmeb-3081	55	50	model	model	NOUN
ajbmeb-3081	55	51	based	base	VERB
ajbmeb-3081	55	52	on	on	ADP
ajbmeb-3081	55	53	technical	technical	ADJ
ajbmeb-3081	55	54	and	and	CCONJ
ajbmeb-3081	55	55	technological	technological	ADJ
ajbmeb-3081	55	56	progress	progress	NOUN
ajbmeb-3081	55	57	commercial	commercial	ADJ
ajbmeb-3081	55	58	banks	bank	NOUN
ajbmeb-3081	55	59	have	have	AUX
ajbmeb-3081	55	60	prioritized	prioritize	VERB
ajbmeb-3081	55	61	the	the	DET
ajbmeb-3081	55	62	further	further	ADJ
ajbmeb-3081	55	63	expansion	expansion	NOUN
ajbmeb-3081	55	64	of	of	ADP
ajbmeb-3081	55	65	the	the	DET
ajbmeb-3081	55	66	technical	technical	ADJ
ajbmeb-3081	55	67	aspects	aspect	NOUN
ajbmeb-3081	55	68	of	of	ADP
ajbmeb-3081	55	69	their	their	PRON
ajbmeb-3081	55	70	activities	activity	NOUN
ajbmeb-3081	55	71	through	through	ADP
ajbmeb-3081	55	72	the	the	DET
ajbmeb-3081	55	73	widespread	widespread	ADJ
ajbmeb-3081	55	74	use	use	NOUN
ajbmeb-3081	55	75	of	of	ADP
ajbmeb-3081	55	76	communication	communication	NOUN
ajbmeb-3081	55	77	tools	tool	NOUN
ajbmeb-3081	55	78	and	and	CCONJ
ajbmeb-3081	55	79	the	the	DET
ajbmeb-3081	55	80	formation	formation	NOUN
ajbmeb-3081	55	81	of	of	ADP
ajbmeb-3081	55	82	the	the	DET
ajbmeb-3081	55	83	initial	initial	ADJ
ajbmeb-3081	55	84	elements	element	NOUN
ajbmeb-3081	55	85	of	of	ADP
ajbmeb-3081	55	86	remote	remote	ADJ
ajbmeb-3081	55	87	banking	banking	NOUN
ajbmeb-3081	55	88	services	service	NOUN
ajbmeb-3081	55	89	via	via	ADP
ajbmeb-3081	55	90	the	the	DET
ajbmeb-3081	55	91	internet	internet	NOUN
ajbmeb-3081	55	92	in	in	ADP
ajbmeb-3081	55	93	remote	remote	ADJ
ajbmeb-3081	55	94	branch	branch	NOUN
ajbmeb-3081	55	95	management	management	NOUN
ajbmeb-3081	55	96	.	.	PUNCT
ajbmeb-3081	56	1	1990s	1990	NOUN
ajbmeb-3081	56	2	—	—	PUNCT
ajbmeb-3081	56	3	2000s	2000s	NUM
ajbmeb-3081	56	4	cross	cross	ADJ
ajbmeb-3081	56	5	-	-	ADJ
ajbmeb-3081	56	6	border	border	ADJ
ajbmeb-3081	56	7	interbank	interbank	NOUN
ajbmeb-3081	56	8	communications	communication	NOUN
ajbmeb-3081	56	9	as	as	SCONJ
ajbmeb-3081	56	10	commercial	commercial	ADJ
ajbmeb-3081	56	11	banks	bank	NOUN
ajbmeb-3081	56	12	expand	expand	VERB
ajbmeb-3081	56	13	their	their	PRON
ajbmeb-3081	56	14	activities	activity	NOUN
ajbmeb-3081	56	15	and	and	CCONJ
ajbmeb-3081	56	16	reach	reach	VERB
ajbmeb-3081	56	17	beyond	beyond	ADP
ajbmeb-3081	56	18	national	national	ADJ
ajbmeb-3081	56	19	financial	financial	ADJ
ajbmeb-3081	56	20	markets	market	NOUN
ajbmeb-3081	56	21	,	,	PUNCT
ajbmeb-3081	56	22	there	there	PRON
ajbmeb-3081	56	23	is	be	VERB
ajbmeb-3081	56	24	a	a	DET
ajbmeb-3081	56	25	need	need	NOUN
ajbmeb-3081	56	26	to	to	PART
ajbmeb-3081	56	27	effectively	effectively	ADV
ajbmeb-3081	56	28	coordinate	coordinate	VERB
ajbmeb-3081	56	29	the	the	DET
ajbmeb-3081	56	30	economic	economic	ADJ
ajbmeb-3081	56	31	interests	interest	NOUN
ajbmeb-3081	56	32	of	of	ADP
ajbmeb-3081	56	33	various	various	ADJ
ajbmeb-3081	56	34	stakeholders	stakeholder	NOUN
ajbmeb-3081	56	35	.	.	PUNCT
ajbmeb-3081	57	1	in	in	ADP
ajbmeb-3081	57	2	particular	particular	ADJ
ajbmeb-3081	57	3	,	,	PUNCT
ajbmeb-3081	57	4	the	the	DET
ajbmeb-3081	57	5	idea	idea	NOUN
ajbmeb-3081	57	6	of	of	ADP
ajbmeb-3081	57	7	collecting	collect	VERB
ajbmeb-3081	57	8	personal	personal	ADJ
ajbmeb-3081	57	9	data	datum	NOUN
ajbmeb-3081	57	10	about	about	ADP
ajbmeb-3081	57	11	customers	customer	NOUN
ajbmeb-3081	57	12	and	and	CCONJ
ajbmeb-3081	57	13	competitors	competitor	NOUN
ajbmeb-3081	57	14	has	have	AUX
ajbmeb-3081	57	15	led	lead	VERB
ajbmeb-3081	57	16	to	to	ADP
ajbmeb-3081	57	17	the	the	DET
ajbmeb-3081	57	18	initial	initial	ADJ
ajbmeb-3081	57	19	steps	step	NOUN
ajbmeb-3081	57	20	towards	towards	ADP
ajbmeb-3081	57	21	creating	create	VERB
ajbmeb-3081	57	22	a	a	DET
ajbmeb-3081	57	23	digital	digital	ADJ
ajbmeb-3081	57	24	customer	customer	NOUN
ajbmeb-3081	57	25	profile	profile	NOUN
ajbmeb-3081	57	26	.	.	PUNCT
ajbmeb-3081	58	1	2000	2000	NUM
ajbmeb-3081	58	2	2010	2010	NUM
ajbmeb-3081	58	3	harmonization	harmonization	NOUN
ajbmeb-3081	58	4	and	and	CCONJ
ajbmeb-3081	58	5	cooperation	cooperation	NOUN
ajbmeb-3081	58	6	between	between	ADP
ajbmeb-3081	58	7	banking	banking	NOUN
ajbmeb-3081	58	8	and	and	CCONJ
ajbmeb-3081	58	9	non	non	ADJ
ajbmeb-3081	58	10	-	-	ADJ
ajbmeb-3081	58	11	banking	banking	ADJ
ajbmeb-3081	58	12	organizations	organization	NOUN
ajbmeb-3081	58	13	the	the	DET
ajbmeb-3081	58	14	emphasis	emphasis	NOUN
ajbmeb-3081	58	15	is	be	AUX
ajbmeb-3081	58	16	on	on	ADP
ajbmeb-3081	58	17	increasing	increase	VERB
ajbmeb-3081	58	18	healthy	healthy	ADJ
ajbmeb-3081	58	19	competitiveness	competitiveness	NOUN
ajbmeb-3081	58	20	in	in	ADP
ajbmeb-3081	58	21	the	the	DET
ajbmeb-3081	58	22	activities	activity	NOUN
ajbmeb-3081	58	23	of	of	ADP
ajbmeb-3081	58	24	commercial	commercial	ADJ
ajbmeb-3081	58	25	banks	bank	NOUN
ajbmeb-3081	58	26	,	,	PUNCT
ajbmeb-3081	58	27	as	as	ADV
ajbmeb-3081	58	28	well	well	ADV
ajbmeb-3081	58	29	as	as	ADP
ajbmeb-3081	58	30	developing	develop	VERB
ajbmeb-3081	58	31	a	a	DET
ajbmeb-3081	58	32	portfolio	portfolio	NOUN
ajbmeb-3081	58	33	of	of	ADP
ajbmeb-3081	58	34	mutually	mutually	ADV
ajbmeb-3081	58	35	functional	functional	ADJ
ajbmeb-3081	58	36	and	and	CCONJ
ajbmeb-3081	58	37	diverse	diverse	ADJ
ajbmeb-3081	58	38	banking	banking	NOUN
ajbmeb-3081	58	39	products	product	NOUN
ajbmeb-3081	58	40	and	and	CCONJ
ajbmeb-3081	58	41	services	service	NOUN
ajbmeb-3081	58	42	,	,	PUNCT
ajbmeb-3081	58	43	and	and	CCONJ
ajbmeb-3081	58	44	increasingly	increasingly	ADV
ajbmeb-3081	58	45	attracting	attract	VERB
ajbmeb-3081	58	46	non	non	ADJ
ajbmeb-3081	58	47	-	-	ADJ
ajbmeb-3081	58	48	financial	financial	ADJ
ajbmeb-3081	58	49	enterprises	enterprise	NOUN
ajbmeb-3081	58	50	based	base	VERB
ajbmeb-3081	58	51	on	on	ADP
ajbmeb-3081	58	52	the	the	DET
ajbmeb-3081	58	53	principles	principle	NOUN
ajbmeb-3081	58	54	of	of	ADP
ajbmeb-3081	58	55	partnership	partnership	NOUN
ajbmeb-3081	58	56	and	and	CCONJ
ajbmeb-3081	58	57	technical	technical	ADJ
ajbmeb-3081	58	58	and	and	CCONJ
ajbmeb-3081	58	59	technological	technological	ADJ
ajbmeb-3081	58	60	cooperation	cooperation	NOUN
ajbmeb-3081	58	61	.	.	PUNCT
ajbmeb-3081	59	1	in	in	ADP
ajbmeb-3081	59	2	particular	particular	ADJ
ajbmeb-3081	59	3	,	,	PUNCT
ajbmeb-3081	59	4	emphasis	emphasis	NOUN
ajbmeb-3081	59	5	is	be	AUX
ajbmeb-3081	59	6	placed	place	VERB
ajbmeb-3081	59	7	on	on	ADP
ajbmeb-3081	59	8	the	the	DET
ajbmeb-3081	59	9	creation	creation	NOUN
ajbmeb-3081	59	10	of	of	ADP
ajbmeb-3081	59	11	venture	venture	NOUN
ajbmeb-3081	59	12	funds	fund	NOUN
ajbmeb-3081	59	13	to	to	PART
ajbmeb-3081	59	14	support	support	VERB
ajbmeb-3081	59	15	financial	financial	ADJ
ajbmeb-3081	59	16	programs	program	NOUN
ajbmeb-3081	59	17	,	,	PUNCT
ajbmeb-3081	59	18	financial	financial	ADJ
ajbmeb-3081	59	19	technologies	technology	NOUN
ajbmeb-3081	59	20	,	,	PUNCT
ajbmeb-3081	59	21	and	and	CCONJ
ajbmeb-3081	59	22	banking	banking	NOUN
ajbmeb-3081	59	23	innovations	innovation	NOUN
ajbmeb-3081	59	24	.	.	PUNCT
ajbmeb-3081	60	1	digital	digital	ADJ
ajbmeb-3081	60	2	banking	banking	NOUN
ajbmeb-3081	60	3	businesses	business	NOUN
ajbmeb-3081	60	4	and	and	CCONJ
ajbmeb-3081	60	5	ecosystems	ecosystem	VERB
ajbmeb-3081	60	6	2011y.v	2011y.v	NUM
ajbmeb-3081	60	7	the	the	DET
ajbmeb-3081	60	8	rapid	rapid	ADJ
ajbmeb-3081	60	9	growth	growth	NOUN
ajbmeb-3081	60	10	and	and	CCONJ
ajbmeb-3081	60	11	widespread	widespread	ADJ
ajbmeb-3081	60	12	adoption	adoption	NOUN
ajbmeb-3081	60	13	of	of	ADP
ajbmeb-3081	60	14	digital	digital	ADJ
ajbmeb-3081	60	15	technologies	technology	NOUN
ajbmeb-3081	60	16	has	have	AUX
ajbmeb-3081	60	17	been	be	AUX
ajbmeb-3081	60	18	reflected	reflect	VERB
ajbmeb-3081	60	19	in	in	ADP
ajbmeb-3081	60	20	the	the	DET
ajbmeb-3081	60	21	partnership	partnership	NOUN
ajbmeb-3081	60	22	relations	relation	NOUN
ajbmeb-3081	60	23	of	of	ADP
ajbmeb-3081	60	24	bank	bank	NOUN
ajbmeb-3081	60	25	management	management	NOUN
ajbmeb-3081	60	26	and	and	CCONJ
ajbmeb-3081	60	27	the	the	DET
ajbmeb-3081	60	28	growth	growth	NOUN
ajbmeb-3081	60	29	of	of	ADP
ajbmeb-3081	60	30	many	many	ADJ
ajbmeb-3081	60	31	independent	independent	ADJ
ajbmeb-3081	60	32	banking	banking	NOUN
ajbmeb-3081	60	33	and	and	CCONJ
ajbmeb-3081	60	34	non	non	ADJ
ajbmeb-3081	60	35	-	-	ADJ
ajbmeb-3081	60	36	banking	banking	ADJ
ajbmeb-3081	60	37	institutions	institution	NOUN
ajbmeb-3081	60	38	that	that	PRON
ajbmeb-3081	60	39	are	be	AUX
ajbmeb-3081	60	40	not	not	PART
ajbmeb-3081	60	41	in	in	ADP
ajbmeb-3081	60	42	competition	competition	NOUN
ajbmeb-3081	60	43	with	with	ADP
ajbmeb-3081	60	44	each	each	DET
ajbmeb-3081	60	45	other	other	ADJ
ajbmeb-3081	60	46	.	.	PUNCT
ajbmeb-3081	61	1	by	by	ADP
ajbmeb-3081	61	2	moving	move	VERB
ajbmeb-3081	61	3	to	to	ADP
ajbmeb-3081	61	4	business	business	NOUN
ajbmeb-3081	61	5	models	model	NOUN
ajbmeb-3081	61	6	in	in	ADP
ajbmeb-3081	61	7	the	the	DET
ajbmeb-3081	61	8	form	form	NOUN
ajbmeb-3081	61	9	of	of	ADP
ajbmeb-3081	61	10	market	market	NOUN
ajbmeb-3081	61	11	ecosystems	ecosystem	NOUN
ajbmeb-3081	61	12	,	,	PUNCT
ajbmeb-3081	61	13	organizations	organization	NOUN
ajbmeb-3081	61	14	and	and	CCONJ
ajbmeb-3081	61	15	digital	digital	ADJ
ajbmeb-3081	61	16	business	business	NOUN
ajbmeb-3081	61	17	entities	entity	NOUN
ajbmeb-3081	61	18	are	be	AUX
ajbmeb-3081	61	19	forming	form	VERB
ajbmeb-3081	61	20	in	in	ADP
ajbmeb-3081	61	21	various	various	ADJ
ajbmeb-3081	61	22	regions	region	NOUN
ajbmeb-3081	61	23	,	,	PUNCT
ajbmeb-3081	61	24	focused	focus	VERB
ajbmeb-3081	61	25	on	on	ADP
ajbmeb-3081	61	26	producing	produce	VERB
ajbmeb-3081	61	27	a	a	DET
ajbmeb-3081	61	28	package	package	NOUN
ajbmeb-3081	61	29	of	of	ADP
ajbmeb-3081	61	30	banking	banking	NOUN
ajbmeb-3081	61	31	products	product	NOUN
ajbmeb-3081	61	32	and	and	CCONJ
ajbmeb-3081	61	33	services	service	NOUN
ajbmeb-3081	61	34	through	through	ADP
ajbmeb-3081	61	35	internet	internet	NOUN
ajbmeb-3081	61	36	networks	network	NOUN
ajbmeb-3081	61	37	.	.	PUNCT
ajbmeb-3081	62	1	the	the	DET
ajbmeb-3081	62	2	proposed	propose	VERB
ajbmeb-3081	62	3	classification	classification	NOUN
ajbmeb-3081	62	4	made	make	VERB
ajbmeb-3081	62	5	it	it	PRON
ajbmeb-3081	62	6	possible	possible	ADJ
ajbmeb-3081	62	7	to	to	PART
ajbmeb-3081	62	8	justify	justify	VERB
ajbmeb-3081	62	9	the	the	DET
ajbmeb-3081	62	10	need	need	NOUN
ajbmeb-3081	62	11	for	for	ADP
ajbmeb-3081	62	12	effective	effective	ADJ
ajbmeb-3081	62	13	management	management	NOUN
ajbmeb-3081	62	14	and	and	CCONJ
ajbmeb-3081	62	15	regulation	regulation	NOUN
ajbmeb-3081	62	16	of	of	ADP
ajbmeb-3081	62	17	transformation	transformation	NOUN
ajbmeb-3081	62	18	processes	process	NOUN
ajbmeb-3081	62	19	in	in	ADP
ajbmeb-3081	62	20	commercial	commercial	ADJ
ajbmeb-3081	62	21	banks	bank	NOUN
ajbmeb-3081	62	22	at	at	ADP
ajbmeb-3081	62	23	the	the	DET
ajbmeb-3081	62	24	current	current	ADJ
ajbmeb-3081	62	25	stage	stage	NOUN
ajbmeb-3081	62	26	in	in	ADP
ajbmeb-3081	62	27	an	an	DET
ajbmeb-3081	62	28	institutional	institutional	ADJ
ajbmeb-3081	62	29	direction	direction	NOUN
ajbmeb-3081	62	30	.	.	PUNCT
ajbmeb-3081	63	1	the	the	DET
ajbmeb-3081	63	2	process	process	NOUN
ajbmeb-3081	63	3	of	of	ADP
ajbmeb-3081	63	4	digitizing	digitize	VERB
ajbmeb-3081	63	5	the	the	DET
ajbmeb-3081	63	6	activities	activity	NOUN
ajbmeb-3081	63	7	of	of	ADP
ajbmeb-3081	63	8	commercial	commercial	ADJ
ajbmeb-3081	63	9	banks	bank	NOUN
ajbmeb-3081	63	10	includes	include	VERB
ajbmeb-3081	63	11	three	three	NUM
ajbmeb-3081	63	12	consecutive	consecutive	ADJ
ajbmeb-3081	63	13	stages	stage	NOUN
ajbmeb-3081	63	14	:	:	PUNCT
ajbmeb-3081	63	15	the	the	DET
ajbmeb-3081	63	16	first	first	ADJ
ajbmeb-3081	63	17	stage	stage	NOUN
ajbmeb-3081	63	18	,	,	PUNCT
ajbmeb-3081	63	19	new	new	ADJ
ajbmeb-3081	63	20	ways	way	NOUN
ajbmeb-3081	63	21	of	of	ADP
ajbmeb-3081	63	22	building	build	VERB
ajbmeb-3081	63	23	relationships	relationship	NOUN
ajbmeb-3081	63	24	with	with	ADP
ajbmeb-3081	63	25	customers	customer	NOUN
ajbmeb-3081	63	26	,	,	PUNCT
ajbmeb-3081	63	27	creating	create	VERB
ajbmeb-3081	63	28	modern	modern	ADJ
ajbmeb-3081	63	29	banking	banking	NOUN
ajbmeb-3081	63	30	products	product	NOUN
ajbmeb-3081	63	31	and	and	CCONJ
ajbmeb-3081	63	32	services	service	NOUN
ajbmeb-3081	63	33	that	that	PRON
ajbmeb-3081	63	34	allow	allow	VERB
ajbmeb-3081	63	35	for	for	ADP
ajbmeb-3081	63	36	their	their	PRON
ajbmeb-3081	63	37	broad	broad	ADJ
ajbmeb-3081	63	38	involvement	involvement	NOUN
ajbmeb-3081	63	39	;	;	PUNCT
ajbmeb-3081	63	40	2	2	NUM
ajbmeb-3081	63	41	systematized	systematize	VERB
ajbmeb-3081	63	42	by	by	ADP
ajbmeb-3081	63	43	the	the	DET
ajbmeb-3081	63	44	author	author	NOUN
ajbmeb-3081	63	45	american	american	PROPN
ajbmeb-3081	63	46	journal	journal	PROPN
ajbmeb-3081	63	47	of	of	ADP
ajbmeb-3081	63	48	business	business	NOUN
ajbmeb-3081	63	49	management	management	NOUN
ajbmeb-3081	63	50	,	,	PUNCT
ajbmeb-3081	63	51	economics	economic	NOUN
ajbmeb-3081	63	52	and	and	CCONJ
ajbmeb-3081	63	53	banking	banking	NOUN
ajbmeb-3081	63	54	volume	volume	NOUN
ajbmeb-3081	63	55	40	40	NUM
ajbmeb-3081	63	56	september2025	september2025	PROPN
ajbmeb-3081	63	57	p	p	NOUN
ajbmeb-3081	63	58	a	a	PRON
ajbmeb-3081	63	59	g	g	NOUN
ajbmeb-3081	63	60	e	e	PROPN
ajbmeb-3081	63	61	|	|	ADV
ajbmeb-3081	63	62	28	28	NUM
ajbmeb-3081	63	63	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	63	64	second	second	ADJ
ajbmeb-3081	63	65	stage	stage	NOUN
ajbmeb-3081	63	66	,	,	PUNCT
ajbmeb-3081	63	67	adaptation	adaptation	NOUN
ajbmeb-3081	63	68	of	of	ADP
ajbmeb-3081	63	69	technological	technological	ADJ
ajbmeb-3081	63	70	infrastructure	infrastructure	NOUN
ajbmeb-3081	63	71	;	;	PUNCT
ajbmeb-3081	63	72	third	third	ADJ
ajbmeb-3081	63	73	stage	stage	NOUN
ajbmeb-3081	63	74	,	,	PUNCT
ajbmeb-3081	63	75	commercial	commercial	ADJ
ajbmeb-3081	63	76	it	it	PRON
ajbmeb-3081	63	77	involves	involve	VERB
ajbmeb-3081	63	78	strategic	strategic	ADJ
ajbmeb-3081	63	79	changes	change	NOUN
ajbmeb-3081	63	80	that	that	PRON
ajbmeb-3081	63	81	will	will	AUX
ajbmeb-3081	63	82	allow	allow	VERB
ajbmeb-3081	63	83	banks	bank	NOUN
ajbmeb-3081	63	84	to	to	PART
ajbmeb-3081	63	85	strategically	strategically	ADV
ajbmeb-3081	63	86	position	position	VERB
ajbmeb-3081	63	87	themselves	themselves	PRON
ajbmeb-3081	63	88	in	in	ADP
ajbmeb-3081	63	89	the	the	DET
ajbmeb-3081	63	90	digital	digital	ADJ
ajbmeb-3081	63	91	environment	environment	NOUN
ajbmeb-3081	63	92	(	(	PUNCT
ajbmeb-3081	63	93	figure	figure	NOUN
ajbmeb-3081	63	94	1.1.1	1.1.1	NUM
ajbmeb-3081	63	95	)	)	PUNCT
ajbmeb-3081	63	96	.	.	PUNCT
ajbmeb-3081	64	1	the	the	DET
ajbmeb-3081	64	2	first	first	ADJ
ajbmeb-3081	64	3	stage	stage	NOUN
ajbmeb-3081	64	4	involved	involve	VERB
ajbmeb-3081	64	5	the	the	DET
ajbmeb-3081	64	6	development	development	NOUN
ajbmeb-3081	64	7	of	of	ADP
ajbmeb-3081	64	8	new	new	ADJ
ajbmeb-3081	64	9	digital	digital	ADJ
ajbmeb-3081	64	10	channels	channel	NOUN
ajbmeb-3081	64	11	for	for	ADP
ajbmeb-3081	64	12	interaction	interaction	NOUN
ajbmeb-3081	64	13	with	with	ADP
ajbmeb-3081	64	14	customers	customer	NOUN
ajbmeb-3081	64	15	in	in	ADP
ajbmeb-3081	64	16	response	response	NOUN
ajbmeb-3081	64	17	to	to	ADP
ajbmeb-3081	64	18	changing	change	VERB
ajbmeb-3081	64	19	demands	demand	NOUN
ajbmeb-3081	64	20	and	and	CCONJ
ajbmeb-3081	64	21	preferences	preference	NOUN
ajbmeb-3081	64	22	for	for	ADP
ajbmeb-3081	64	23	financial	financial	ADJ
ajbmeb-3081	64	24	services	service	NOUN
ajbmeb-3081	64	25	,	,	PUNCT
ajbmeb-3081	64	26	as	as	ADV
ajbmeb-3081	64	27	well	well	ADV
ajbmeb-3081	64	28	as	as	ADP
ajbmeb-3081	64	29	the	the	DET
ajbmeb-3081	64	30	creation	creation	NOUN
ajbmeb-3081	64	31	of	of	ADP
ajbmeb-3081	64	32	modern	modern	ADJ
ajbmeb-3081	64	33	financial	financial	ADJ
ajbmeb-3081	64	34	products	product	NOUN
ajbmeb-3081	64	35	that	that	PRON
ajbmeb-3081	64	36	would	would	AUX
ajbmeb-3081	64	37	allow	allow	VERB
ajbmeb-3081	64	38	banks	bank	NOUN
ajbmeb-3081	64	39	to	to	PART
ajbmeb-3081	64	40	reposition	reposition	VERB
ajbmeb-3081	64	41	themselves	themselves	PRON
ajbmeb-3081	64	42	in	in	ADP
ajbmeb-3081	64	43	a	a	DET
ajbmeb-3081	64	44	competitive	competitive	ADJ
ajbmeb-3081	64	45	environment	environment	NOUN
ajbmeb-3081	64	46	.	.	PUNCT
ajbmeb-3081	65	1	in	in	ADP
ajbmeb-3081	65	2	recent	recent	ADJ
ajbmeb-3081	65	3	years	year	NOUN
ajbmeb-3081	65	4	,	,	PUNCT
ajbmeb-3081	65	5	along	along	ADP
ajbmeb-3081	65	6	with	with	ADP
ajbmeb-3081	65	7	the	the	DET
ajbmeb-3081	65	8	modernization	modernization	NOUN
ajbmeb-3081	65	9	of	of	ADP
ajbmeb-3081	65	10	online	online	ADJ
ajbmeb-3081	65	11	banking	banking	NOUN
ajbmeb-3081	65	12	platforms	platform	NOUN
ajbmeb-3081	65	13	,	,	PUNCT
ajbmeb-3081	65	14	the	the	DET
ajbmeb-3081	65	15	main	main	ADJ
ajbmeb-3081	65	16	efforts	effort	NOUN
ajbmeb-3081	65	17	of	of	ADP
ajbmeb-3081	65	18	banks	bank	NOUN
ajbmeb-3081	65	19	have	have	AUX
ajbmeb-3081	65	20	been	be	AUX
ajbmeb-3081	65	21	focused	focus	VERB
ajbmeb-3081	65	22	on	on	ADP
ajbmeb-3081	65	23	developing	develop	VERB
ajbmeb-3081	65	24	customer	customer	NOUN
ajbmeb-3081	65	25	relationships	relationship	NOUN
ajbmeb-3081	65	26	through	through	ADP
ajbmeb-3081	65	27	mobile	mobile	ADJ
ajbmeb-3081	65	28	devices	device	NOUN
ajbmeb-3081	65	29	.	.	PUNCT
ajbmeb-3081	66	1	this	this	DET
ajbmeb-3081	66	2	stage	stage	NOUN
ajbmeb-3081	66	3	involved	involve	VERB
ajbmeb-3081	66	4	the	the	DET
ajbmeb-3081	66	5	creation	creation	NOUN
ajbmeb-3081	66	6	of	of	ADP
ajbmeb-3081	66	7	new	new	ADJ
ajbmeb-3081	66	8	banking	banking	NOUN
ajbmeb-3081	66	9	products	product	NOUN
ajbmeb-3081	66	10	and	and	CCONJ
ajbmeb-3081	66	11	services	service	NOUN
ajbmeb-3081	66	12	,	,	PUNCT
ajbmeb-3081	66	13	digital	digital	ADJ
ajbmeb-3081	66	14	channels	channel	NOUN
ajbmeb-3081	66	15	for	for	ADP
ajbmeb-3081	66	16	their	their	PRON
ajbmeb-3081	66	17	sale	sale	NOUN
ajbmeb-3081	66	18	and	and	CCONJ
ajbmeb-3081	66	19	promotion	promotion	NOUN
ajbmeb-3081	66	20	,	,	PUNCT
ajbmeb-3081	66	21	and	and	CCONJ
ajbmeb-3081	66	22	significant	significant	ADJ
ajbmeb-3081	66	23	changes	change	NOUN
ajbmeb-3081	66	24	to	to	ADP
ajbmeb-3081	66	25	the	the	DET
ajbmeb-3081	66	26	technological	technological	ADJ
ajbmeb-3081	66	27	infrastructure	infrastructure	NOUN
ajbmeb-3081	66	28	,	,	PUNCT
ajbmeb-3081	66	29	requiring	require	VERB
ajbmeb-3081	66	30	integration	integration	NOUN
ajbmeb-3081	66	31	with	with	ADP
ajbmeb-3081	66	32	existing	exist	VERB
ajbmeb-3081	66	33	systems	system	NOUN
ajbmeb-3081	66	34	.	.	PUNCT
ajbmeb-3081	67	1	the	the	DET
ajbmeb-3081	67	2	second	second	ADJ
ajbmeb-3081	67	3	stage	stage	NOUN
ajbmeb-3081	67	4	of	of	ADP
ajbmeb-3081	67	5	digital	digital	ADJ
ajbmeb-3081	67	6	transformation	transformation	NOUN
ajbmeb-3081	67	7	of	of	ADP
ajbmeb-3081	67	8	commercial	commercial	ADJ
ajbmeb-3081	67	9	banks	bank	NOUN
ajbmeb-3081	67	10	involves	involve	VERB
ajbmeb-3081	67	11	changing	change	VERB
ajbmeb-3081	67	12	the	the	DET
ajbmeb-3081	67	13	technological	technological	ADJ
ajbmeb-3081	67	14	platform	platform	NOUN
ajbmeb-3081	67	15	,	,	PUNCT
ajbmeb-3081	67	16	that	that	ADV
ajbmeb-3081	67	17	is	is	ADV
ajbmeb-3081	67	18	,	,	PUNCT
ajbmeb-3081	67	19	transforming	transform	VERB
ajbmeb-3081	67	20	it	it	PRON
ajbmeb-3081	67	21	into	into	ADP
ajbmeb-3081	67	22	a	a	DET
ajbmeb-3081	67	23	modular	modular	ADJ
ajbmeb-3081	67	24	and	and	CCONJ
ajbmeb-3081	67	25	flexible	flexible	ADJ
ajbmeb-3081	67	26	infrastructure	infrastructure	NOUN
ajbmeb-3081	67	27	that	that	PRON
ajbmeb-3081	67	28	allows	allow	VERB
ajbmeb-3081	67	29	it	it	PRON
ajbmeb-3081	67	30	to	to	PART
ajbmeb-3081	67	31	integrate	integrate	VERB
ajbmeb-3081	67	32	modern	modern	ADJ
ajbmeb-3081	67	33	new	new	ADJ
ajbmeb-3081	67	34	financial	financial	ADJ
ajbmeb-3081	67	35	technologies	technology	NOUN
ajbmeb-3081	67	36	,	,	PUNCT
ajbmeb-3081	67	37	as	as	ADV
ajbmeb-3081	67	38	well	well	ADV
ajbmeb-3081	67	39	as	as	ADP
ajbmeb-3081	67	40	revitalizing	revitalize	VERB
ajbmeb-3081	67	41	the	the	DET
ajbmeb-3081	67	42	creation	creation	NOUN
ajbmeb-3081	67	43	of	of	ADP
ajbmeb-3081	67	44	new	new	ADJ
ajbmeb-3081	67	45	banking	banking	NOUN
ajbmeb-3081	67	46	services	service	NOUN
ajbmeb-3081	67	47	and	and	CCONJ
ajbmeb-3081	67	48	products	product	NOUN
ajbmeb-3081	67	49	.	.	PUNCT
ajbmeb-3081	68	1	it	it	PRON
ajbmeb-3081	68	2	is	be	AUX
ajbmeb-3081	68	3	important	important	ADJ
ajbmeb-3081	68	4	to	to	PART
ajbmeb-3081	68	5	note	note	VERB
ajbmeb-3081	68	6	that	that	SCONJ
ajbmeb-3081	68	7	technological	technological	ADJ
ajbmeb-3081	68	8	solutions	solution	NOUN
ajbmeb-3081	68	9	such	such	ADJ
ajbmeb-3081	68	10	as	as	ADP
ajbmeb-3081	68	11	biometric	biometric	ADJ
ajbmeb-3081	68	12	identification	identification	NOUN
ajbmeb-3081	68	13	of	of	ADP
ajbmeb-3081	68	14	customers	customer	NOUN
ajbmeb-3081	68	15	,	,	PUNCT
ajbmeb-3081	68	16	electronic	electronic	ADJ
ajbmeb-3081	68	17	document	document	NOUN
ajbmeb-3081	68	18	circulation	circulation	NOUN
ajbmeb-3081	68	19	,	,	PUNCT
ajbmeb-3081	68	20	increased	increase	VERB
ajbmeb-3081	68	21	transaction	transaction	NOUN
ajbmeb-3081	68	22	security	security	NOUN
ajbmeb-3081	68	23	,	,	PUNCT
ajbmeb-3081	68	24	simplified	simplify	VERB
ajbmeb-3081	68	25	user	user	NOUN
ajbmeb-3081	68	26	interface	interface	NOUN
ajbmeb-3081	68	27	,	,	PUNCT
ajbmeb-3081	68	28	remote	remote	ADJ
ajbmeb-3081	68	29	banking	banking	NOUN
ajbmeb-3081	68	30	services	service	NOUN
ajbmeb-3081	68	31	and	and	CCONJ
ajbmeb-3081	68	32	expanding	expand	VERB
ajbmeb-3081	68	33	their	their	PRON
ajbmeb-3081	68	34	use	use	NOUN
ajbmeb-3081	68	35	are	be	AUX
ajbmeb-3081	68	36	being	be	AUX
ajbmeb-3081	68	37	actively	actively	ADV
ajbmeb-3081	68	38	used	use	VERB
ajbmeb-3081	68	39	.	.	PUNCT
ajbmeb-3081	69	1	another	another	DET
ajbmeb-3081	69	2	distinctive	distinctive	ADJ
ajbmeb-3081	69	3	feature	feature	NOUN
ajbmeb-3081	69	4	of	of	ADP
ajbmeb-3081	69	5	digitalization	digitalization	NOUN
ajbmeb-3081	69	6	at	at	ADP
ajbmeb-3081	69	7	this	this	DET
ajbmeb-3081	69	8	stage	stage	NOUN
ajbmeb-3081	69	9	is	be	AUX
ajbmeb-3081	69	10	that	that	SCONJ
ajbmeb-3081	69	11	commercial	commercial	ADJ
ajbmeb-3081	69	12	banks	bank	NOUN
ajbmeb-3081	69	13	are	be	AUX
ajbmeb-3081	69	14	focused	focus	VERB
ajbmeb-3081	69	15	on	on	ADP
ajbmeb-3081	69	16	digitalizing	digitalize	VERB
ajbmeb-3081	69	17	business	business	NOUN
ajbmeb-3081	69	18	processes	process	NOUN
ajbmeb-3081	69	19	not	not	PART
ajbmeb-3081	69	20	only	only	ADV
ajbmeb-3081	69	21	in	in	ADP
ajbmeb-3081	69	22	the	the	DET
ajbmeb-3081	69	23	back	back	NOUN
ajbmeb-3081	69	24	office	office	NOUN
ajbmeb-3081	69	25	,	,	PUNCT
ajbmeb-3081	69	26	but	but	CCONJ
ajbmeb-3081	69	27	also	also	ADV
ajbmeb-3081	69	28	in	in	ADP
ajbmeb-3081	69	29	the	the	DET
ajbmeb-3081	69	30	front	front	ADJ
ajbmeb-3081	69	31	office	office	NOUN
ajbmeb-3081	69	32	.	.	PUNCT
ajbmeb-3081	70	1	for	for	ADP
ajbmeb-3081	70	2	example	example	NOUN
ajbmeb-3081	70	3	,	,	PUNCT
ajbmeb-3081	70	4	banks	bank	NOUN
ajbmeb-3081	70	5	are	be	AUX
ajbmeb-3081	70	6	using	use	VERB
ajbmeb-3081	70	7	complex	complex	ADJ
ajbmeb-3081	70	8	analytical	analytical	ADJ
ajbmeb-3081	70	9	algorithms	algorithm	NOUN
ajbmeb-3081	70	10	based	base	VERB
ajbmeb-3081	70	11	on	on	ADP
ajbmeb-3081	70	12	artificial	artificial	ADJ
ajbmeb-3081	70	13	intelligence	intelligence	NOUN
ajbmeb-3081	70	14	to	to	PART
ajbmeb-3081	70	15	improve	improve	VERB
ajbmeb-3081	70	16	the	the	DET
ajbmeb-3081	70	17	assessment	assessment	NOUN
ajbmeb-3081	70	18	of	of	ADP
ajbmeb-3081	70	19	a	a	DET
ajbmeb-3081	70	20	client	client	NOUN
ajbmeb-3081	70	21	's	's	PART
ajbmeb-3081	70	22	creditworthiness	creditworthiness	NOUN
ajbmeb-3081	70	23	,	,	PUNCT
ajbmeb-3081	70	24	form	form	NOUN
ajbmeb-3081	70	25	customized	customize	VERB
ajbmeb-3081	70	26	orders	order	NOUN
ajbmeb-3081	70	27	for	for	ADP
ajbmeb-3081	70	28	banking	banking	NOUN
ajbmeb-3081	70	29	products	product	NOUN
ajbmeb-3081	70	30	for	for	ADP
ajbmeb-3081	70	31	clients	client	NOUN
ajbmeb-3081	70	32	,	,	PUNCT
ajbmeb-3081	70	33	or	or	CCONJ
ajbmeb-3081	70	34	provide	provide	VERB
ajbmeb-3081	70	35	personalized	personalized	ADJ
ajbmeb-3081	70	36	services	service	NOUN
ajbmeb-3081	70	37	.	.	PUNCT
ajbmeb-3081	71	1	the	the	DET
ajbmeb-3081	71	2	third	third	ADJ
ajbmeb-3081	71	3	stage	stage	NOUN
ajbmeb-3081	71	4	of	of	ADP
ajbmeb-3081	71	5	digital	digital	ADJ
ajbmeb-3081	71	6	transformation	transformation	NOUN
ajbmeb-3081	71	7	has	have	AUX
ajbmeb-3081	71	8	led	lead	VERB
ajbmeb-3081	71	9	to	to	ADP
ajbmeb-3081	71	10	extensive	extensive	ADJ
ajbmeb-3081	71	11	organizational	organizational	ADJ
ajbmeb-3081	71	12	changes	change	NOUN
ajbmeb-3081	71	13	aimed	aim	VERB
ajbmeb-3081	71	14	at	at	ADP
ajbmeb-3081	71	15	reducing	reduce	VERB
ajbmeb-3081	71	16	the	the	DET
ajbmeb-3081	71	17	decision	decision	NOUN
ajbmeb-3081	71	18	-	-	PUNCT
ajbmeb-3081	71	19	making	make	VERB
ajbmeb-3081	71	20	process	process	NOUN
ajbmeb-3081	71	21	by	by	ADP
ajbmeb-3081	71	22	commercial	commercial	ADJ
ajbmeb-3081	71	23	banks	bank	NOUN
ajbmeb-3081	71	24	and	and	CCONJ
ajbmeb-3081	71	25	simplifying	simplify	VERB
ajbmeb-3081	71	26	the	the	DET
ajbmeb-3081	71	27	structural	structural	ADJ
ajbmeb-3081	71	28	and	and	CCONJ
ajbmeb-3081	71	29	operational	operational	ADJ
ajbmeb-3081	71	30	models	model	NOUN
ajbmeb-3081	71	31	in	in	ADP
ajbmeb-3081	71	32	accordance	accordance	NOUN
ajbmeb-3081	71	33	with	with	ADP
ajbmeb-3081	71	34	the	the	DET
ajbmeb-3081	71	35	principle	principle	NOUN
ajbmeb-3081	71	36	of	of	ADP
ajbmeb-3081	71	37	customer	customer	NOUN
ajbmeb-3081	71	38	-	-	PUNCT
ajbmeb-3081	71	39	oriented	orient	VERB
ajbmeb-3081	71	40	banking	banking	NOUN
ajbmeb-3081	71	41	strategy	strategy	NOUN
ajbmeb-3081	71	42	.	.	PUNCT
ajbmeb-3081	72	1	these	these	DET
ajbmeb-3081	72	2	changes	change	NOUN
ajbmeb-3081	72	3	have	have	AUX
ajbmeb-3081	72	4	led	lead	VERB
ajbmeb-3081	72	5	to	to	ADP
ajbmeb-3081	72	6	some	some	DET
ajbmeb-3081	72	7	resistance	resistance	NOUN
ajbmeb-3081	72	8	not	not	PART
ajbmeb-3081	72	9	only	only	ADV
ajbmeb-3081	72	10	to	to	ADP
ajbmeb-3081	72	11	the	the	DET
ajbmeb-3081	72	12	banking	banking	NOUN
ajbmeb-3081	72	13	organization	organization	NOUN
ajbmeb-3081	72	14	,	,	PUNCT
ajbmeb-3081	72	15	but	but	CCONJ
ajbmeb-3081	72	16	also	also	ADV
ajbmeb-3081	72	17	,	,	PUNCT
ajbmeb-3081	72	18	in	in	ADP
ajbmeb-3081	72	19	most	most	ADJ
ajbmeb-3081	72	20	cases	case	NOUN
ajbmeb-3081	72	21	,	,	PUNCT
ajbmeb-3081	72	22	to	to	ADP
ajbmeb-3081	72	23	the	the	DET
ajbmeb-3081	72	24	reluctance	reluctance	NOUN
ajbmeb-3081	72	25	of	of	ADP
ajbmeb-3081	72	26	employees	employee	NOUN
ajbmeb-3081	72	27	to	to	PART
ajbmeb-3081	72	28	accept	accept	VERB
ajbmeb-3081	72	29	innovations	innovation	NOUN
ajbmeb-3081	72	30	,	,	PUNCT
ajbmeb-3081	72	31	since	since	SCONJ
ajbmeb-3081	72	32	the	the	DET
ajbmeb-3081	72	33	introduction	introduction	NOUN
ajbmeb-3081	72	34	of	of	ADP
ajbmeb-3081	72	35	such	such	ADJ
ajbmeb-3081	72	36	innovations	innovation	NOUN
ajbmeb-3081	72	37	implies	imply	VERB
ajbmeb-3081	72	38	fundamental	fundamental	ADJ
ajbmeb-3081	72	39	changes	change	NOUN
ajbmeb-3081	72	40	in	in	ADP
ajbmeb-3081	72	41	the	the	DET
ajbmeb-3081	72	42	organizational	organizational	ADJ
ajbmeb-3081	72	43	structure	structure	NOUN
ajbmeb-3081	72	44	of	of	ADP
ajbmeb-3081	72	45	commercial	commercial	ADJ
ajbmeb-3081	72	46	banks	bank	NOUN
ajbmeb-3081	72	47	.	.	PUNCT
ajbmeb-3081	73	1	one	one	NUM
ajbmeb-3081	73	2	of	of	ADP
ajbmeb-3081	73	3	the	the	DET
ajbmeb-3081	73	4	main	main	ADJ
ajbmeb-3081	73	5	results	result	NOUN
ajbmeb-3081	73	6	expected	expect	VERB
ajbmeb-3081	73	7	from	from	ADP
ajbmeb-3081	73	8	the	the	DET
ajbmeb-3081	73	9	transformation	transformation	NOUN
ajbmeb-3081	73	10	of	of	ADP
ajbmeb-3081	73	11	commercial	commercial	ADJ
ajbmeb-3081	73	12	banks	bank	NOUN
ajbmeb-3081	73	13	with	with	ADP
ajbmeb-3081	73	14	the	the	DET
ajbmeb-3081	73	15	help	help	NOUN
ajbmeb-3081	73	16	of	of	ADP
ajbmeb-3081	73	17	international	international	ADJ
ajbmeb-3081	73	18	financial	financial	ADJ
ajbmeb-3081	73	19	institutions	institution	NOUN
ajbmeb-3081	73	20	is	be	AUX
ajbmeb-3081	73	21	to	to	PART
ajbmeb-3081	73	22	reduce	reduce	VERB
ajbmeb-3081	73	23	the	the	DET
ajbmeb-3081	73	24	state	state	NOUN
ajbmeb-3081	73	25	's	's	PART
ajbmeb-3081	73	26	share	share	NOUN
ajbmeb-3081	73	27	in	in	ADP
ajbmeb-3081	73	28	a	a	DET
ajbmeb-3081	73	29	number	number	NOUN
ajbmeb-3081	73	30	of	of	ADP
ajbmeb-3081	73	31	commercial	commercial	ADJ
ajbmeb-3081	73	32	banks	bank	NOUN
ajbmeb-3081	73	33	,	,	PUNCT
ajbmeb-3081	73	34	to	to	PART
ajbmeb-3081	73	35	introduce	introduce	VERB
ajbmeb-3081	73	36	international	international	ADJ
ajbmeb-3081	73	37	experience	experience	NOUN
ajbmeb-3081	73	38	into	into	ADP
ajbmeb-3081	73	39	their	their	PRON
ajbmeb-3081	73	40	activities	activity	NOUN
ajbmeb-3081	73	41	,	,	PUNCT
ajbmeb-3081	73	42	while	while	SCONJ
ajbmeb-3081	73	43	attracting	attract	VERB
ajbmeb-3081	73	44	strategic	strategic	ADJ
ajbmeb-3081	73	45	investors	investor	NOUN
ajbmeb-3081	73	46	with	with	ADP
ajbmeb-3081	73	47	sufficient	sufficient	ADJ
ajbmeb-3081	73	48	experience	experience	NOUN
ajbmeb-3081	73	49	,	,	PUNCT
ajbmeb-3081	73	50	knowledge	knowledge	NOUN
ajbmeb-3081	73	51	and	and	CCONJ
ajbmeb-3081	73	52	reputation	reputation	NOUN
ajbmeb-3081	73	53	in	in	ADP
ajbmeb-3081	73	54	banking	banking	NOUN
ajbmeb-3081	73	55	.	.	PUNCT
ajbmeb-3081	74	1	in	in	ADP
ajbmeb-3081	74	2	addition	addition	NOUN
ajbmeb-3081	74	3	,	,	PUNCT
ajbmeb-3081	74	4	it	it	PRON
ajbmeb-3081	74	5	is	be	AUX
ajbmeb-3081	74	6	planned	plan	VERB
ajbmeb-3081	74	7	to	to	PART
ajbmeb-3081	74	8	consistently	consistently	ADV
ajbmeb-3081	74	9	eliminate	eliminate	VERB
ajbmeb-3081	74	10	the	the	DET
ajbmeb-3081	74	11	administrative	administrative	ADJ
ajbmeb-3081	74	12	burden	burden	NOUN
ajbmeb-3081	74	13	by	by	ADP
ajbmeb-3081	74	14	freeing	free	VERB
ajbmeb-3081	74	15	credit	credit	NOUN
ajbmeb-3081	74	16	institutions	institution	NOUN
ajbmeb-3081	74	17	from	from	ADP
ajbmeb-3081	74	18	performing	perform	VERB
ajbmeb-3081	74	19	functions	function	NOUN
ajbmeb-3081	74	20	that	that	PRON
ajbmeb-3081	74	21	are	be	AUX
ajbmeb-3081	74	22	not	not	PART
ajbmeb-3081	74	23	typical	typical	ADJ
ajbmeb-3081	74	24	for	for	ADP
ajbmeb-3081	74	25	them	they	PRON
ajbmeb-3081	74	26	,	,	PUNCT
ajbmeb-3081	74	27	as	as	ADV
ajbmeb-3081	74	28	well	well	ADV
ajbmeb-3081	74	29	as	as	ADP
ajbmeb-3081	74	30	from	from	ADP
ajbmeb-3081	74	31	excessive	excessive	ADJ
ajbmeb-3081	74	32	burdens	burden	NOUN
ajbmeb-3081	74	33	,	,	PUNCT
ajbmeb-3081	74	34	to	to	PART
ajbmeb-3081	74	35	widely	widely	ADV
ajbmeb-3081	74	36	introduce	introduce	VERB
ajbmeb-3081	74	37	modern	modern	ADJ
ajbmeb-3081	74	38	information	information	NOUN
ajbmeb-3081	74	39	and	and	CCONJ
ajbmeb-3081	74	40	communication	communication	NOUN
ajbmeb-3081	74	41	technologies	technology	NOUN
ajbmeb-3081	74	42	,	,	PUNCT
ajbmeb-3081	74	43	to	to	PART
ajbmeb-3081	74	44	create	create	VERB
ajbmeb-3081	74	45	the	the	DET
ajbmeb-3081	74	46	necessary	necessary	ADJ
ajbmeb-3081	74	47	conditions	condition	NOUN
ajbmeb-3081	74	48	for	for	ADP
ajbmeb-3081	74	49	automating	automate	VERB
ajbmeb-3081	74	50	business	business	NOUN
ajbmeb-3081	74	51	processes	process	NOUN
ajbmeb-3081	74	52	of	of	ADP
ajbmeb-3081	74	53	commercial	commercial	ADJ
ajbmeb-3081	74	54	banks	bank	NOUN
ajbmeb-3081	74	55	and	and	CCONJ
ajbmeb-3081	74	56	expanding	expand	VERB
ajbmeb-3081	74	57	the	the	DET
ajbmeb-3081	74	58	types	type	NOUN
ajbmeb-3081	74	59	of	of	ADP
ajbmeb-3081	74	60	remote	remote	ADJ
ajbmeb-3081	74	61	banking	banking	NOUN
ajbmeb-3081	74	62	services	service	NOUN
ajbmeb-3081	74	63	.	.	PUNCT
ajbmeb-3081	75	1	research	research	NOUN
ajbmeb-3081	75	2	aimed	aim	VERB
ajbmeb-3081	75	3	at	at	ADP
ajbmeb-3081	75	4	the	the	DET
ajbmeb-3081	75	5	widespread	widespread	ADJ
ajbmeb-3081	75	6	application	application	NOUN
ajbmeb-3081	75	7	of	of	ADP
ajbmeb-3081	75	8	international	international	ADJ
ajbmeb-3081	75	9	transformation	transformation	NOUN
ajbmeb-3081	75	10	processes	process	NOUN
ajbmeb-3081	75	11	to	to	ADP
ajbmeb-3081	75	12	the	the	DET
ajbmeb-3081	75	13	activities	activity	NOUN
ajbmeb-3081	75	14	of	of	ADP
ajbmeb-3081	75	15	commercial	commercial	ADJ
ajbmeb-3081	75	16	banks	bank	NOUN
ajbmeb-3081	75	17	is	be	AUX
ajbmeb-3081	75	18	being	be	AUX
ajbmeb-3081	75	19	studied	study	VERB
ajbmeb-3081	75	20	by	by	ADP
ajbmeb-3081	75	21	foreign	foreign	ADJ
ajbmeb-3081	75	22	and	and	CCONJ
ajbmeb-3081	75	23	domestic	domestic	ADJ
ajbmeb-3081	75	24	scientists	scientist	NOUN
ajbmeb-3081	75	25	.	.	PUNCT
ajbmeb-3081	76	1	in	in	ADP
ajbmeb-3081	76	2	particular	particular	ADJ
ajbmeb-3081	76	3	,	,	PUNCT
ajbmeb-3081	76	4	in	in	ADP
ajbmeb-3081	76	5	the	the	DET
ajbmeb-3081	76	6	studies	study	NOUN
ajbmeb-3081	76	7	of	of	ADP
ajbmeb-3081	76	8	foreign	foreign	ADJ
ajbmeb-3081	76	9	scientists	scientist	NOUN
ajbmeb-3081	76	10	g.	g.	PROPN
ajbmeb-3081	76	11	markowitz	markowitz	PROPN
ajbmeb-3081	76	12	(	(	PUNCT
ajbmeb-3081	76	13	harry	harry	PROPN
ajbmeb-3081	76	14	max	max	PROPN
ajbmeb-3081	76	15	markowitz	markowitz	PROPN
ajbmeb-3081	76	16	)	)	PUNCT
ajbmeb-3081	76	17	,	,	PUNCT
ajbmeb-3081	76	18	k.	k.	PROPN
ajbmeb-3081	76	19	cohen	cohen	PROPN
ajbmeb-3081	76	20	(	(	PUNCT
ajbmeb-3081	76	21	kj	kj	PROPN
ajbmeb-3081	76	22	cohen	cohen	PROPN
ajbmeb-3081	76	23	)	)	PUNCT
ajbmeb-3081	76	24	,	,	PUNCT
ajbmeb-3081	76	25	f.	f.	PROPN
ajbmeb-3081	76	26	hammer	hammer	PROPN
ajbmeb-3081	76	27	(	(	PUNCT
ajbmeb-3081	76	28	fs	fs	INTJ
ajbmeb-3081	76	29	hammer	hammer	NOUN
ajbmeb-3081	76	30	)	)	PUNCT
ajbmeb-3081	76	31	,	,	PUNCT
ajbmeb-3081	76	32	and	and	CCONJ
ajbmeb-3081	76	33	w.	w.	PROPN
ajbmeb-3081	76	34	sharp	sharp	PROPN
ajbmeb-3081	76	35	(	(	PUNCT
ajbmeb-3081	76	36	william	william	PROPN
ajbmeb-3081	76	37	forsyth	forsyth	PROPN
ajbmeb-3081	76	38	sharpe	sharpe	PROPN
ajbmeb-3081	76	39	)	)	PUNCT
ajbmeb-3081	76	40	,	,	PUNCT
ajbmeb-3081	76	41	the	the	DET
ajbmeb-3081	76	42	activities	activity	NOUN
ajbmeb-3081	76	43	of	of	ADP
ajbmeb-3081	76	44	banks	bank	NOUN
ajbmeb-3081	76	45	were	be	AUX
ajbmeb-3081	76	46	considered	consider	VERB
ajbmeb-3081	76	47	within	within	ADP
ajbmeb-3081	76	48	the	the	DET
ajbmeb-3081	76	49	framework	framework	NOUN
ajbmeb-3081	76	50	of	of	ADP
ajbmeb-3081	76	51	portfolio	portfolio	NOUN
ajbmeb-3081	76	52	theory	theory	NOUN
ajbmeb-3081	76	53	,	,	PUNCT
ajbmeb-3081	76	54	and	and	CCONJ
ajbmeb-3081	76	55	"	"	PUNCT
ajbmeb-3081	76	56	...	...	PUNCT
ajbmeb-3081	76	57	a	a	DET
ajbmeb-3081	76	58	bank	bank	NOUN
ajbmeb-3081	76	59	,	,	PUNCT
ajbmeb-3081	76	60	taking	take	VERB
ajbmeb-3081	76	61	into	into	ADP
ajbmeb-3081	76	62	account	account	NOUN
ajbmeb-3081	76	63	the	the	DET
ajbmeb-3081	76	64	possible	possible	ADJ
ajbmeb-3081	76	65	level	level	NOUN
ajbmeb-3081	76	66	of	of	ADP
ajbmeb-3081	76	67	risk	risk	NOUN
ajbmeb-3081	76	68	,	,	PUNCT
ajbmeb-3081	76	69	should	should	AUX
ajbmeb-3081	76	70	form	form	VERB
ajbmeb-3081	76	71	such	such	DET
ajbmeb-3081	76	72	a	a	DET
ajbmeb-3081	76	73	ratio	ratio	NOUN
ajbmeb-3081	76	74	of	of	ADP
ajbmeb-3081	76	75	assets	asset	NOUN
ajbmeb-3081	76	76	that	that	PRON
ajbmeb-3081	76	77	,	,	PUNCT
ajbmeb-3081	76	78	while	while	SCONJ
ajbmeb-3081	76	79	ensuring	ensure	VERB
ajbmeb-3081	76	80	compliance	compliance	NOUN
ajbmeb-3081	76	81	with	with	ADP
ajbmeb-3081	76	82	a	a	DET
ajbmeb-3081	76	83	certain	certain	ADJ
ajbmeb-3081	76	84	liquidity	liquidity	NOUN
ajbmeb-3081	76	85	coefficient	coefficient	NOUN
ajbmeb-3081	76	86	,	,	PUNCT
ajbmeb-3081	76	87	should	should	AUX
ajbmeb-3081	76	88	receive	receive	VERB
ajbmeb-3081	76	89	maximum	maximum	ADJ
ajbmeb-3081	76	90	income	income	NOUN
ajbmeb-3081	76	91	3	3	NUM
ajbmeb-3081	76	92	.	.	PUNCT
ajbmeb-3081	76	93	"	"	PUNCT
ajbmeb-3081	77	1	3	3	NUM
ajbmeb-3081	77	2	bankovskaya	bankovskaya	PROPN
ajbmeb-3081	77	3	sfera	sfera	NOUN
ajbmeb-3081	77	4	:	:	PUNCT
ajbmeb-3081	77	5	mechanism	mechanism	NOUN
ajbmeb-3081	77	6	of	of	ADP
ajbmeb-3081	77	7	information	information	NOUN
ajbmeb-3081	77	8	-financial	-financial	ADJ
ajbmeb-3081	77	9	intermediatsii	intermediatsii	NOUN
ajbmeb-3081	77	10	:	:	PUNCT
ajbmeb-3081	77	11	monograph	monograph	NOUN
ajbmeb-3081	77	12	/	/	SYM
ajbmeb-3081	77	13	pod	pod	PROPN
ajbmeb-3081	77	14	nauchnoy	nauchnoy	PROPN
ajbmeb-3081	77	15	ed	ed	PROPN
ajbmeb-3081	77	16	.	.	PUNCT
ajbmeb-3081	77	17	prof	prof	PROPN
ajbmeb-3081	77	18	.	.	PUNCT
ajbmeb-3081	78	1	yu.v	yu.v	PROPN
ajbmeb-3081	78	2	.	.	PUNCT
ajbmeb-3081	79	1	rozhkova	rozhkova	PROPN
ajbmeb-3081	79	2	.	.	PUNCT
ajbmeb-3081	80	1	—	—	PUNCT
ajbmeb-3081	80	2	khabarovsk	khabarovsk	PROPN
ajbmeb-3081	80	3	:	:	PUNCT
ajbmeb-3081	80	4	rits	rits	PROPN
ajbmeb-3081	80	5	xgaep	xgaep	PROPN
ajbmeb-3081	80	6	,	,	PUNCT
ajbmeb-3081	80	7	2013	2013	NUM
ajbmeb-3081	80	8	.	.	PUNCT
ajbmeb-3081	80	9	—	—	PUNCT
ajbmeb-3081	80	10	320	320	NUM
ajbmeb-3081	80	11	p.	p.	PROPN
ajbmeb-3081	80	12	american	american	PROPN
ajbmeb-3081	80	13	journal	journal	PROPN
ajbmeb-3081	80	14	of	of	ADP
ajbmeb-3081	80	15	business	business	NOUN
ajbmeb-3081	80	16	management	management	NOUN
ajbmeb-3081	80	17	,	,	PUNCT
ajbmeb-3081	80	18	economics	economic	NOUN
ajbmeb-3081	80	19	and	and	CCONJ
ajbmeb-3081	80	20	banking	banking	NOUN
ajbmeb-3081	80	21	volume	volume	NOUN
ajbmeb-3081	80	22	40	40	NUM
ajbmeb-3081	81	1	september2025	september2025	PROPN
ajbmeb-3081	81	2	p	p	NOUN
ajbmeb-3081	81	3	a	a	DET
ajbmeb-3081	81	4	g	g	NOUN
ajbmeb-3081	81	5	e	e	NOUN
ajbmeb-3081	81	6	|	|	ADV
ajbmeb-3081	81	7	29	29	NUM
ajbmeb-3081	81	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	81	9	in	in	ADP
ajbmeb-3081	81	10	our	our	PRON
ajbmeb-3081	81	11	opinion	opinion	NOUN
ajbmeb-3081	81	12	,	,	PUNCT
ajbmeb-3081	81	13	the	the	DET
ajbmeb-3081	81	14	institutional	institutional	ADJ
ajbmeb-3081	81	15	approach	approach	NOUN
ajbmeb-3081	81	16	(	(	PUNCT
ajbmeb-3081	81	17	theory	theory	NOUN
ajbmeb-3081	81	18	of	of	ADP
ajbmeb-3081	81	19	the	the	DET
ajbmeb-3081	81	20	firm	firm	NOUN
ajbmeb-3081	81	21	)	)	PUNCT
ajbmeb-3081	81	22	adopted	adopt	VERB
ajbmeb-3081	81	23	by	by	ADP
ajbmeb-3081	81	24	these	these	DET
ajbmeb-3081	81	25	scholars	scholar	NOUN
ajbmeb-3081	81	26	,	,	PUNCT
ajbmeb-3081	81	27	which	which	PRON
ajbmeb-3081	81	28	aims	aim	VERB
ajbmeb-3081	81	29	to	to	PART
ajbmeb-3081	81	30	equate	equate	VERB
ajbmeb-3081	81	31	a	a	DET
ajbmeb-3081	81	32	bank	bank	NOUN
ajbmeb-3081	81	33	with	with	ADP
ajbmeb-3081	81	34	an	an	DET
ajbmeb-3081	81	35	enterprise	enterprise	NOUN
ajbmeb-3081	81	36	,	,	PUNCT
ajbmeb-3081	81	37	necessitates	necessitate	VERB
ajbmeb-3081	81	38	a	a	DET
ajbmeb-3081	81	39	clear	clear	ADJ
ajbmeb-3081	81	40	definition	definition	NOUN
ajbmeb-3081	81	41	of	of	ADP
ajbmeb-3081	81	42	the	the	DET
ajbmeb-3081	81	43	subject	subject	NOUN
ajbmeb-3081	81	44	of	of	ADP
ajbmeb-3081	81	45	banking	banking	NOUN
ajbmeb-3081	81	46	activities	activity	NOUN
ajbmeb-3081	81	47	,	,	PUNCT
ajbmeb-3081	81	48	and	and	CCONJ
ajbmeb-3081	81	49	a	a	DET
ajbmeb-3081	81	50	clear	clear	ADJ
ajbmeb-3081	81	51	definition	definition	NOUN
ajbmeb-3081	81	52	of	of	ADP
ajbmeb-3081	81	53	the	the	DET
ajbmeb-3081	81	54	concepts	concept	NOUN
ajbmeb-3081	81	55	of	of	ADP
ajbmeb-3081	81	56	"	"	PUNCT
ajbmeb-3081	81	57	banking	banking	NOUN
ajbmeb-3081	81	58	operation	operation	NOUN
ajbmeb-3081	81	59	"	"	PUNCT
ajbmeb-3081	81	60	,	,	PUNCT
ajbmeb-3081	81	61	"	"	PUNCT
ajbmeb-3081	81	62	banking	banking	NOUN
ajbmeb-3081	81	63	service	service	NOUN
ajbmeb-3081	81	64	"	"	PUNCT
ajbmeb-3081	81	65	,	,	PUNCT
ajbmeb-3081	81	66	and	and	CCONJ
ajbmeb-3081	81	67	"	"	PUNCT
ajbmeb-3081	81	68	banking	banking	NOUN
ajbmeb-3081	81	69	product	product	NOUN
ajbmeb-3081	81	70	"	"	PUNCT
ajbmeb-3081	81	71	.	.	PUNCT
ajbmeb-3081	82	1	in	in	ADP
ajbmeb-3081	82	2	our	our	PRON
ajbmeb-3081	82	3	opinion	opinion	NOUN
ajbmeb-3081	82	4	,	,	PUNCT
ajbmeb-3081	82	5	these	these	PRON
ajbmeb-3081	82	6	are	be	AUX
ajbmeb-3081	82	7	the	the	DET
ajbmeb-3081	82	8	main	main	ADJ
ajbmeb-3081	82	9	reasons	reason	NOUN
ajbmeb-3081	82	10	why	why	SCONJ
ajbmeb-3081	82	11	economists	economist	NOUN
ajbmeb-3081	82	12	have	have	AUX
ajbmeb-3081	82	13	not	not	PART
ajbmeb-3081	82	14	yet	yet	ADV
ajbmeb-3081	82	15	come	come	VERB
ajbmeb-3081	82	16	to	to	ADP
ajbmeb-3081	82	17	a	a	DET
ajbmeb-3081	82	18	unified	unified	ADJ
ajbmeb-3081	82	19	approach	approach	NOUN
ajbmeb-3081	82	20	and	and	CCONJ
ajbmeb-3081	82	21	consensus	consensus	NOUN
ajbmeb-3081	82	22	on	on	ADP
ajbmeb-3081	82	23	these	these	DET
ajbmeb-3081	82	24	concepts	concept	NOUN
ajbmeb-3081	82	25	and	and	CCONJ
ajbmeb-3081	82	26	the	the	DET
ajbmeb-3081	82	27	question	question	NOUN
ajbmeb-3081	82	28	of	of	ADP
ajbmeb-3081	82	29	what	what	PRON
ajbmeb-3081	82	30	ultimately	ultimately	ADV
ajbmeb-3081	82	31	satisfies	satisfy	VERB
ajbmeb-3081	82	32	customer	customer	NOUN
ajbmeb-3081	82	33	needs	need	VERB
ajbmeb-3081	82	34	:	:	PUNCT
ajbmeb-3081	82	35	an	an	DET
ajbmeb-3081	82	36	operation	operation	NOUN
ajbmeb-3081	82	37	,	,	PUNCT
ajbmeb-3081	82	38	a	a	DET
ajbmeb-3081	82	39	service	service	NOUN
ajbmeb-3081	82	40	,	,	PUNCT
ajbmeb-3081	82	41	or	or	CCONJ
ajbmeb-3081	82	42	a	a	DET
ajbmeb-3081	82	43	product	product	NOUN
ajbmeb-3081	82	44	.	.	PUNCT
ajbmeb-3081	83	1	among	among	ADP
ajbmeb-3081	83	2	the	the	DET
ajbmeb-3081	83	3	significant	significant	ADJ
ajbmeb-3081	83	4	studies	study	NOUN
ajbmeb-3081	83	5	,	,	PUNCT
ajbmeb-3081	83	6	it	it	PRON
ajbmeb-3081	83	7	is	be	AUX
ajbmeb-3081	83	8	worth	worth	ADJ
ajbmeb-3081	83	9	noting	note	VERB
ajbmeb-3081	83	10	that	that	SCONJ
ajbmeb-3081	83	11	international	international	ADJ
ajbmeb-3081	83	12	transformation	transformation	NOUN
ajbmeb-3081	83	13	processes	process	NOUN
ajbmeb-3081	83	14	by	by	ADP
ajbmeb-3081	83	15	foreign	foreign	ADJ
ajbmeb-3081	83	16	scientists	scientist	NOUN
ajbmeb-3081	83	17	r.	r.	PROPN
ajbmeb-3081	83	18	amit	amit	PROPN
ajbmeb-3081	83	19	and	and	CCONJ
ajbmeb-3081	83	20	s.	s.	PROPN
ajbmeb-3081	83	21	zott	zott	PROPN
ajbmeb-3081	83	22	(	(	PUNCT
ajbmeb-3081	83	23	amit	amit	PROPN
ajbmeb-3081	83	24	r.	r.	PROPN
ajbmeb-3081	83	25	,	,	PUNCT
ajbmeb-3081	83	26	zott	zott	PROPN
ajbmeb-3081	83	27	c	c	X
ajbmeb-3081	83	28	)	)	PUNCT
ajbmeb-3081	83	29	are	be	AUX
ajbmeb-3081	83	30	aimed	aim	VERB
ajbmeb-3081	83	31	at	at	ADP
ajbmeb-3081	83	32	"	"	PUNCT
ajbmeb-3081	83	33	the	the	DET
ajbmeb-3081	83	34	use	use	NOUN
ajbmeb-3081	83	35	of	of	ADP
ajbmeb-3081	83	36	digital	digital	ADJ
ajbmeb-3081	83	37	technologies	technology	NOUN
ajbmeb-3081	83	38	that	that	PRON
ajbmeb-3081	83	39	allow	allow	VERB
ajbmeb-3081	83	40	for	for	ADP
ajbmeb-3081	83	41	the	the	DET
ajbmeb-3081	83	42	full	full	ADJ
ajbmeb-3081	83	43	implementation	implementation	NOUN
ajbmeb-3081	83	44	of	of	ADP
ajbmeb-3081	83	45	the	the	DET
ajbmeb-3081	83	46	possibility	possibility	NOUN
ajbmeb-3081	83	47	of	of	ADP
ajbmeb-3081	83	48	remote	remote	ADJ
ajbmeb-3081	83	49	access	access	NOUN
ajbmeb-3081	83	50	to	to	ADP
ajbmeb-3081	83	51	...	...	PUNCT
ajbmeb-3081	83	52	products	product	NOUN
ajbmeb-3081	83	53	and	and	CCONJ
ajbmeb-3081	83	54	services	service	NOUN
ajbmeb-3081	83	55	.	.	PUNCT
ajbmeb-3081	84	1	"4	"4	ADJ
ajbmeb-3081	84	2	in	in	ADP
ajbmeb-3081	84	3	their	their	PRON
ajbmeb-3081	84	4	research	research	NOUN
ajbmeb-3081	84	5	,	,	PUNCT
ajbmeb-3081	84	6	j.	j.	PROPN
ajbmeb-3081	84	7	parker	parker	PROPN
ajbmeb-3081	84	8	,	,	PUNCT
ajbmeb-3081	84	9	van	van	PROPN
ajbmeb-3081	84	10	alstine	alstine	PROPN
ajbmeb-3081	84	11	,	,	PUNCT
ajbmeb-3081	84	12	s.	s.	PROPN
ajbmeb-3081	84	13	chaudhari	chaudhari	PROPN
ajbmeb-3081	84	14	drew	draw	VERB
ajbmeb-3081	84	15	attention	attention	NOUN
ajbmeb-3081	84	16	to	to	ADP
ajbmeb-3081	84	17	the	the	DET
ajbmeb-3081	84	18	fact	fact	NOUN
ajbmeb-3081	84	19	that	that	SCONJ
ajbmeb-3081	84	20	“	"	PUNCT
ajbmeb-3081	84	21	...	...	PUNCT
ajbmeb-3081	84	22	a	a	DET
ajbmeb-3081	84	23	fundamental	fundamental	ADJ
ajbmeb-3081	84	24	change	change	NOUN
ajbmeb-3081	84	25	in	in	ADP
ajbmeb-3081	84	26	the	the	DET
ajbmeb-3081	84	27	architecture	architecture	NOUN
ajbmeb-3081	84	28	and	and	CCONJ
ajbmeb-3081	84	29	infrastructure	infrastructure	NOUN
ajbmeb-3081	84	30	of	of	ADP
ajbmeb-3081	84	31	banking	banking	NOUN
ajbmeb-3081	84	32	business	business	NOUN
ajbmeb-3081	84	33	processes	process	NOUN
ajbmeb-3081	84	34	related	relate	VERB
ajbmeb-3081	84	35	to	to	ADP
ajbmeb-3081	84	36	the	the	DET
ajbmeb-3081	84	37	provision	provision	NOUN
ajbmeb-3081	84	38	of	of	ADP
ajbmeb-3081	84	39	banking	banking	NOUN
ajbmeb-3081	84	40	services	service	NOUN
ajbmeb-3081	84	41	to	to	ADP
ajbmeb-3081	84	42	the	the	DET
ajbmeb-3081	84	43	client	client	NOUN
ajbmeb-3081	84	44	,	,	PUNCT
ajbmeb-3081	84	45	motivating	motivate	VERB
ajbmeb-3081	84	46	customers	customer	NOUN
ajbmeb-3081	84	47	to	to	PART
ajbmeb-3081	84	48	work	work	VERB
ajbmeb-3081	84	49	on	on	ADP
ajbmeb-3081	84	50	the	the	DET
ajbmeb-3081	84	51	basis	basis	NOUN
ajbmeb-3081	84	52	of	of	ADP
ajbmeb-3081	84	53	creating	create	VERB
ajbmeb-3081	84	54	a	a	DET
ajbmeb-3081	84	55	virtual	virtual	ADJ
ajbmeb-3081	84	56	banking	banking	NOUN
ajbmeb-3081	84	57	environment	environment	NOUN
ajbmeb-3081	84	58	,	,	PUNCT
ajbmeb-3081	84	59	and	and	CCONJ
ajbmeb-3081	84	60	creating	create	VERB
ajbmeb-3081	84	61	a	a	DET
ajbmeb-3081	84	62	new	new	ADJ
ajbmeb-3081	84	63	banking	banking	NOUN
ajbmeb-3081	84	64	organization	organization	NOUN
ajbmeb-3081	84	65	that	that	PRON
ajbmeb-3081	84	66	allows	allow	VERB
ajbmeb-3081	84	67	for	for	ADP
ajbmeb-3081	84	68	a	a	DET
ajbmeb-3081	84	69	high	high	ADJ
ajbmeb-3081	84	70	level	level	NOUN
ajbmeb-3081	84	71	of	of	ADP
ajbmeb-3081	84	72	customization	customization	NOUN
ajbmeb-3081	84	73	of	of	ADP
ajbmeb-3081	84	74	banking	banking	NOUN
ajbmeb-3081	84	75	services	service	NOUN
ajbmeb-3081	84	76	based	base	VERB
ajbmeb-3081	84	77	on	on	ADP
ajbmeb-3081	84	78	the	the	DET
ajbmeb-3081	84	79	wishes	wish	NOUN
ajbmeb-3081	84	80	of	of	ADP
ajbmeb-3081	84	81	the	the	DET
ajbmeb-3081	84	82	client	client	NOUN
ajbmeb-3081	84	83	”	"	PUNCT
ajbmeb-3081	84	84	5is	5is	NOUN
ajbmeb-3081	84	85	the	the	DET
ajbmeb-3081	84	86	main	main	ADJ
ajbmeb-3081	84	87	aspect	aspect	NOUN
ajbmeb-3081	84	88	of	of	ADP
ajbmeb-3081	84	89	modern	modern	ADJ
ajbmeb-3081	84	90	business	business	NOUN
ajbmeb-3081	84	91	models	model	NOUN
ajbmeb-3081	84	92	.	.	PUNCT
ajbmeb-3081	85	1	today	today	NOUN
ajbmeb-3081	85	2	,	,	PUNCT
ajbmeb-3081	85	3	newly	newly	ADV
ajbmeb-3081	85	4	created	create	VERB
ajbmeb-3081	85	5	enterprises	enterprise	NOUN
ajbmeb-3081	85	6	,	,	PUNCT
ajbmeb-3081	85	7	including	include	VERB
ajbmeb-3081	85	8	e	e	NOUN
ajbmeb-3081	85	9	-	-	NOUN
ajbmeb-3081	85	10	business	business	NOUN
ajbmeb-3081	85	11	,	,	PUNCT
ajbmeb-3081	85	12	have	have	VERB
ajbmeb-3081	85	13	the	the	DET
ajbmeb-3081	85	14	opportunity	opportunity	NOUN
ajbmeb-3081	85	15	to	to	PART
ajbmeb-3081	85	16	create	create	VERB
ajbmeb-3081	85	17	a	a	DET
ajbmeb-3081	85	18	new	new	ADJ
ajbmeb-3081	85	19	format	format	NOUN
ajbmeb-3081	85	20	of	of	ADP
ajbmeb-3081	85	21	business	business	NOUN
ajbmeb-3081	85	22	models	model	NOUN
ajbmeb-3081	85	23	faster	fast	ADV
ajbmeb-3081	85	24	and	and	CCONJ
ajbmeb-3081	85	25	more	more	ADV
ajbmeb-3081	85	26	efficiently	efficiently	ADV
ajbmeb-3081	85	27	,	,	PUNCT
ajbmeb-3081	85	28	since	since	SCONJ
ajbmeb-3081	85	29	they	they	PRON
ajbmeb-3081	85	30	prefer	prefer	VERB
ajbmeb-3081	85	31	not	not	PART
ajbmeb-3081	85	32	to	to	PART
ajbmeb-3081	85	33	master	master	VERB
ajbmeb-3081	85	34	existing	exist	VERB
ajbmeb-3081	85	35	economic	economic	ADJ
ajbmeb-3081	85	36	knowledge	knowledge	NOUN
ajbmeb-3081	85	37	and	and	CCONJ
ajbmeb-3081	85	38	skills	skill	NOUN
ajbmeb-3081	85	39	,	,	PUNCT
ajbmeb-3081	85	40	but	but	CCONJ
ajbmeb-3081	85	41	to	to	PART
ajbmeb-3081	85	42	establish	establish	VERB
ajbmeb-3081	85	43	or	or	CCONJ
ajbmeb-3081	85	44	move	move	VERB
ajbmeb-3081	85	45	market	market	NOUN
ajbmeb-3081	85	46	relations	relation	NOUN
ajbmeb-3081	85	47	from	from	ADP
ajbmeb-3081	85	48	one	one	NUM
ajbmeb-3081	85	49	technological	technological	ADJ
ajbmeb-3081	85	50	stage	stage	NOUN
ajbmeb-3081	85	51	to	to	ADP
ajbmeb-3081	85	52	another	another	PRON
ajbmeb-3081	85	53	along	along	ADP
ajbmeb-3081	85	54	the	the	DET
ajbmeb-3081	85	55	value	value	NOUN
ajbmeb-3081	85	56	chain	chain	NOUN
ajbmeb-3081	85	57	.	.	PUNCT
ajbmeb-3081	86	1	the	the	DET
ajbmeb-3081	86	2	fact	fact	NOUN
ajbmeb-3081	86	3	that	that	SCONJ
ajbmeb-3081	86	4	the	the	DET
ajbmeb-3081	86	5	direction	direction	NOUN
ajbmeb-3081	86	6	of	of	ADP
ajbmeb-3081	86	7	business	business	NOUN
ajbmeb-3081	86	8	organization	organization	NOUN
ajbmeb-3081	86	9	also	also	ADV
ajbmeb-3081	86	10	creates	create	VERB
ajbmeb-3081	86	11	dependence	dependence	NOUN
ajbmeb-3081	86	12	on	on	ADP
ajbmeb-3081	86	13	certain	certain	ADJ
ajbmeb-3081	86	14	economic	economic	ADJ
ajbmeb-3081	86	15	resources	resource	NOUN
ajbmeb-3081	86	16	is	be	AUX
ajbmeb-3081	86	17	,	,	PUNCT
ajbmeb-3081	86	18	in	in	ADP
ajbmeb-3081	86	19	our	our	PRON
ajbmeb-3081	86	20	opinion	opinion	NOUN
ajbmeb-3081	86	21	,	,	PUNCT
ajbmeb-3081	86	22	no	no	DET
ajbmeb-3081	86	23	exaggeration	exaggeration	NOUN
ajbmeb-3081	86	24	to	to	PART
ajbmeb-3081	86	25	say	say	VERB
ajbmeb-3081	86	26	that	that	SCONJ
ajbmeb-3081	86	27	one	one	NUM
ajbmeb-3081	86	28	of	of	ADP
ajbmeb-3081	86	29	the	the	DET
ajbmeb-3081	86	30	main	main	ADJ
ajbmeb-3081	86	31	factors	factor	NOUN
ajbmeb-3081	86	32	in	in	ADP
ajbmeb-3081	86	33	the	the	DET
ajbmeb-3081	86	34	decline	decline	NOUN
ajbmeb-3081	86	35	in	in	ADP
ajbmeb-3081	86	36	the	the	DET
ajbmeb-3081	86	37	efficiency	efficiency	NOUN
ajbmeb-3081	86	38	of	of	ADP
ajbmeb-3081	86	39	traditional	traditional	ADJ
ajbmeb-3081	86	40	enterprises	enterprise	NOUN
ajbmeb-3081	86	41	.	.	PUNCT
ajbmeb-3081	87	1	the	the	DET
ajbmeb-3081	87	2	most	most	ADV
ajbmeb-3081	87	3	frequently	frequently	ADV
ajbmeb-3081	87	4	used	use	VERB
ajbmeb-3081	87	5	words	word	NOUN
ajbmeb-3081	87	6	by	by	ADP
ajbmeb-3081	87	7	customers	customer	NOUN
ajbmeb-3081	87	8	when	when	SCONJ
ajbmeb-3081	87	9	searching	search	VERB
ajbmeb-3081	87	10	for	for	ADP
ajbmeb-3081	87	11	mobile	mobile	ADJ
ajbmeb-3081	87	12	applications	application	NOUN
ajbmeb-3081	87	13	that	that	PRON
ajbmeb-3081	87	14	they	they	PRON
ajbmeb-3081	87	15	need	need	VERB
ajbmeb-3081	87	16	or	or	CCONJ
ajbmeb-3081	87	17	satisfy	satisfy	VERB
ajbmeb-3081	87	18	them	they	PRON
ajbmeb-3081	87	19	through	through	ADP
ajbmeb-3081	87	20	search	search	NOUN
ajbmeb-3081	87	21	engines	engine	NOUN
ajbmeb-3081	87	22	are	be	AUX
ajbmeb-3081	87	23	bank	bank	NOUN
ajbmeb-3081	87	24	,	,	PUNCT
ajbmeb-3081	87	25	online	online	ADJ
ajbmeb-3081	87	26	,	,	PUNCT
ajbmeb-3081	87	27	app	app	ADJ
ajbmeb-3081	87	28	,	,	PUNCT
ajbmeb-3081	87	29	mobile	mobile	NOUN
ajbmeb-3081	87	30	,	,	PUNCT
ajbmeb-3081	87	31	while	while	SCONJ
ajbmeb-3081	87	32	the	the	DET
ajbmeb-3081	87	33	words	word	NOUN
ajbmeb-3081	87	34	account	account	NOUN
ajbmeb-3081	87	35	,	,	PUNCT
ajbmeb-3081	87	36	card	card	NOUN
ajbmeb-3081	87	37	,	,	PUNCT
ajbmeb-3081	87	38	business	business	NOUN
ajbmeb-3081	87	39	,	,	PUNCT
ajbmeb-3081	87	40	credit	credit	NOUN
ajbmeb-3081	87	41	are	be	AUX
ajbmeb-3081	87	42	used	use	VERB
ajbmeb-3081	87	43	when	when	SCONJ
ajbmeb-3081	87	44	searching	search	VERB
ajbmeb-3081	87	45	for	for	ADP
ajbmeb-3081	87	46	types	type	NOUN
ajbmeb-3081	87	47	of	of	ADP
ajbmeb-3081	87	48	services	service	NOUN
ajbmeb-3081	87	49	(	(	PUNCT
ajbmeb-3081	87	50	figure	figure	NOUN
ajbmeb-3081	87	51	1	1	NUM
ajbmeb-3081	87	52	)	)	PUNCT
ajbmeb-3081	87	53	.	.	PUNCT
ajbmeb-3081	88	1	figure	figure	NOUN
ajbmeb-3081	88	2	1	1	NUM
ajbmeb-3081	88	3	.	.	PUNCT
ajbmeb-3081	89	1	traffic	traffic	NOUN
ajbmeb-3081	89	2	used	use	VERB
ajbmeb-3081	89	3	in	in	ADP
ajbmeb-3081	89	4	offering	offer	VERB
ajbmeb-3081	89	5	retail	retail	ADJ
ajbmeb-3081	89	6	banking	banking	NOUN
ajbmeb-3081	89	7	services	service	NOUN
ajbmeb-3081	89	8	6(in	6(in	NUM
ajbmeb-3081	89	9	percent	percent	NOUN
ajbmeb-3081	89	10	)	)	PUNCT
ajbmeb-3081	89	11	4	4	NUM
ajbmeb-3081	89	12	zott	zott	NOUN
ajbmeb-3081	89	13	,	,	PUNCT
ajbmeb-3081	89	14	christoph	christoph	PROPN
ajbmeb-3081	89	15	&	&	CCONJ
ajbmeb-3081	89	16	amit	amit	PROPN
ajbmeb-3081	89	17	,	,	PUNCT
ajbmeb-3081	89	18	raphael	raphael	PROPN
ajbmeb-3081	89	19	.	.	PUNCT
ajbmeb-3081	90	1	(	(	PUNCT
ajbmeb-3081	90	2	2007	2007	NUM
ajbmeb-3081	90	3	)	)	PUNCT
ajbmeb-3081	90	4	.	.	PUNCT
ajbmeb-3081	91	1	business	business	NOUN
ajbmeb-3081	91	2	model	model	NOUN
ajbmeb-3081	91	3	design	design	NOUN
ajbmeb-3081	91	4	and	and	CCONJ
ajbmeb-3081	91	5	the	the	DET
ajbmeb-3081	91	6	performance	performance	NOUN
ajbmeb-3081	91	7	of	of	ADP
ajbmeb-3081	91	8	entrepreneurial	entrepreneurial	ADJ
ajbmeb-3081	91	9	firms	firm	NOUN
ajbmeb-3081	91	10	.	.	PUNCT
ajbmeb-3081	92	1	organizational	organizational	ADJ
ajbmeb-3081	92	2	science	science	NOUN
ajbmeb-3081	92	3	.	.	PUNCT
ajbmeb-3081	93	1	18	18	NUM
ajbmeb-3081	93	2	.	.	NOUN
ajbmeb-3081	93	3	10.1287	10.1287	NUM
ajbmeb-3081	93	4	/	/	SYM
ajbmeb-3081	93	5	orsc.1060.0232	orsc.1060.0232	NOUN
ajbmeb-3081	93	6	.	.	PUNCT
ajbmeb-3081	94	1	5	5	NUM
ajbmeb-3081	94	2	parker	parker	PROPN
ajbmeb-3081	94	3	,	,	PUNCT
ajbmeb-3081	94	4	j.	j.	PROPN
ajbmeb-3081	94	5	,	,	PUNCT
ajbmeb-3081	94	6	wang	wang	PROPN
ajbmeb-3081	94	7	alstin	alstin	PROPN
ajbmeb-3081	94	8	,	,	PUNCT
ajbmeb-3081	94	9	m.	m.	NOUN
ajbmeb-3081	94	10	,	,	PUNCT
ajbmeb-3081	94	11	chaudari	chaudari	PROPN
ajbmeb-3081	94	12	,	,	PUNCT
ajbmeb-3081	94	13	s.	s.	PROPN
ajbmeb-3081	94	14	(	(	PUNCT
ajbmeb-3081	94	15	2017	2017	NUM
ajbmeb-3081	94	16	)	)	PUNCT
ajbmeb-3081	94	17	.	.	PUNCT
ajbmeb-3081	95	1	revolution	revolution	NOUN
ajbmeb-3081	95	2	platform	platform	NOUN
ajbmeb-3081	95	3	.	.	PUNCT
ajbmeb-3081	96	1	kak	kak	PROPN
ajbmeb-3081	96	2	setevye	setevye	PROPN
ajbmeb-3081	96	3	rynki	rynki	PROPN
ajbmeb-3081	96	4	menyayut	menyayut	ADP
ajbmeb-3081	96	5	ekonomi	ekonomi	PROPN
ajbmeb-3081	97	1	i	i	PROPN
ajbmeb-3081	97	2	kak	kak	PROPN
ajbmeb-3081	97	3	zastavit	zastavit	PROPN
ajbmeb-3081	98	1	ix	ix	PROPN
ajbmeb-3081	98	2	rabotat	rabotat	PROPN
ajbmeb-3081	99	1	na	na	X
ajbmeb-3081	99	2	vas	vas	X
ajbmeb-3081	99	3	.	.	PUNCT
ajbmeb-3081	99	4	m.	m.	NOUN
ajbmeb-3081	99	5	:	:	PUNCT
ajbmeb-3081	99	6	mann	mann	PROPN
ajbmeb-3081	99	7	,	,	PUNCT
ajbmeb-3081	99	8	ivanov	ivanov	PROPN
ajbmeb-3081	99	9	and	and	CCONJ
ajbmeb-3081	99	10	ferber	ferber	PROPN
ajbmeb-3081	99	11	.	.	PUNCT
ajbmeb-3081	100	1	6	6	NUM
ajbmeb-3081	100	2	author	author	NOUN
ajbmeb-3081	100	3	's	's	PART
ajbmeb-3081	100	4	development	development	NOUN
ajbmeb-3081	100	5	.	.	PUNCT
ajbmeb-3081	101	1	american	american	PROPN
ajbmeb-3081	101	2	journal	journal	PROPN
ajbmeb-3081	101	3	of	of	ADP
ajbmeb-3081	101	4	business	business	NOUN
ajbmeb-3081	101	5	management	management	NOUN
ajbmeb-3081	101	6	,	,	PUNCT
ajbmeb-3081	101	7	economics	economic	NOUN
ajbmeb-3081	101	8	and	and	CCONJ
ajbmeb-3081	101	9	banking	banking	NOUN
ajbmeb-3081	101	10	volume	volume	NOUN
ajbmeb-3081	101	11	40	40	NUM
ajbmeb-3081	102	1	september2025	september2025	PROPN
ajbmeb-3081	102	2	p	p	NOUN
ajbmeb-3081	102	3	a	a	DET
ajbmeb-3081	102	4	g	g	NOUN
ajbmeb-3081	102	5	e	e	NOUN
ajbmeb-3081	102	6	|	|	ADV
ajbmeb-3081	102	7	30	30	NUM
ajbmeb-3081	102	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	102	9	the	the	DET
ajbmeb-3081	102	10	rapid	rapid	ADJ
ajbmeb-3081	102	11	development	development	NOUN
ajbmeb-3081	102	12	of	of	ADP
ajbmeb-3081	102	13	the	the	DET
ajbmeb-3081	102	14	social	social	ADJ
ajbmeb-3081	102	15	payments	payment	NOUN
ajbmeb-3081	102	16	sector	sector	NOUN
ajbmeb-3081	102	17	.	.	PUNCT
ajbmeb-3081	103	1	according	accord	VERB
ajbmeb-3081	103	2	to	to	ADP
ajbmeb-3081	103	3	research	research	NOUN
ajbmeb-3081	103	4	conducted	conduct	VERB
ajbmeb-3081	103	5	by	by	ADP
ajbmeb-3081	103	6	forrester	forrester	PROPN
ajbmeb-3081	103	7	7	7	NUM
ajbmeb-3081	103	8	,	,	PUNCT
ajbmeb-3081	103	9	a	a	DET
ajbmeb-3081	103	10	number	number	NOUN
ajbmeb-3081	103	11	of	of	ADP
ajbmeb-3081	103	12	changes	change	NOUN
ajbmeb-3081	103	13	are	be	AUX
ajbmeb-3081	103	14	taking	take	VERB
ajbmeb-3081	103	15	place	place	NOUN
ajbmeb-3081	103	16	in	in	ADP
ajbmeb-3081	103	17	the	the	DET
ajbmeb-3081	103	18	social	social	ADJ
ajbmeb-3081	103	19	payments	payment	NOUN
ajbmeb-3081	103	20	sector	sector	NOUN
ajbmeb-3081	103	21	.	.	PUNCT
ajbmeb-3081	104	1	integrated	integrate	VERB
ajbmeb-3081	104	2	payment	payment	NOUN
ajbmeb-3081	104	3	packages	package	NOUN
ajbmeb-3081	104	4	offered	offer	VERB
ajbmeb-3081	104	5	through	through	ADP
ajbmeb-3081	104	6	the	the	DET
ajbmeb-3081	104	7	mobile	mobile	ADJ
ajbmeb-3081	104	8	application	application	NOUN
ajbmeb-3081	104	9	paypal	paypal	NOUN
ajbmeb-3081	104	10	,	,	PUNCT
ajbmeb-3081	104	11	venmo	venmo	NOUN
ajbmeb-3081	104	12	,	,	PUNCT
ajbmeb-3081	104	13	apple	apple	NOUN
ajbmeb-3081	104	14	cash	cash	NOUN
ajbmeb-3081	104	15	,	,	PUNCT
ajbmeb-3081	104	16	square	square	ADJ
ajbmeb-3081	104	17	cash	cash	NOUN
ajbmeb-3081	104	18	app	app	NOUN
ajbmeb-3081	104	19	are	be	AUX
ajbmeb-3081	104	20	ensuring	ensure	VERB
ajbmeb-3081	104	21	that	that	SCONJ
ajbmeb-3081	104	22	commercial	commercial	ADJ
ajbmeb-3081	104	23	banks	bank	NOUN
ajbmeb-3081	104	24	become	become	VERB
ajbmeb-3081	104	25	serious	serious	ADJ
ajbmeb-3081	104	26	competitors	competitor	NOUN
ajbmeb-3081	104	27	in	in	ADP
ajbmeb-3081	104	28	the	the	DET
ajbmeb-3081	104	29	payments	payment	NOUN
ajbmeb-3081	104	30	market	market	NOUN
ajbmeb-3081	104	31	.	.	PUNCT
ajbmeb-3081	105	1	however	however	ADV
ajbmeb-3081	105	2	,	,	PUNCT
ajbmeb-3081	105	3	despite	despite	SCONJ
ajbmeb-3081	105	4	this	this	PRON
ajbmeb-3081	105	5	,	,	PUNCT
ajbmeb-3081	105	6	operations	operation	NOUN
ajbmeb-3081	105	7	carried	carry	VERB
ajbmeb-3081	105	8	out	out	ADP
ajbmeb-3081	105	9	using	use	VERB
ajbmeb-3081	105	10	bank	bank	NOUN
ajbmeb-3081	105	11	cards	card	NOUN
ajbmeb-3081	105	12	and	and	CCONJ
ajbmeb-3081	105	13	cash	cash	NOUN
ajbmeb-3081	105	14	continue	continue	VERB
ajbmeb-3081	105	15	to	to	PART
ajbmeb-3081	105	16	gain	gain	VERB
ajbmeb-3081	105	17	priority	priority	NOUN
ajbmeb-3081	105	18	(	(	PUNCT
ajbmeb-3081	105	19	figure	figure	NOUN
ajbmeb-3081	105	20	1.2.3	1.2.3	NUM
ajbmeb-3081	105	21	)	)	PUNCT
ajbmeb-3081	105	22	.	.	PUNCT
ajbmeb-3081	106	1	by	by	ADP
ajbmeb-3081	106	2	analytics	analytic	NOUN
ajbmeb-3081	106	3	firm	firm	NOUN
ajbmeb-3081	106	4	pymnts	pymnt	NOUN
ajbmeb-3081	106	5	8	8	NUM
ajbmeb-3081	106	6	,	,	PUNCT
ajbmeb-3081	106	7	consumers	consumer	NOUN
ajbmeb-3081	106	8	are	be	AUX
ajbmeb-3081	106	9	increasingly	increasingly	ADV
ajbmeb-3081	106	10	choosing	choose	VERB
ajbmeb-3081	106	11	contactless	contactless	ADJ
ajbmeb-3081	106	12	cards	card	NOUN
ajbmeb-3081	106	13	over	over	ADP
ajbmeb-3081	106	14	mobile	mobile	ADJ
ajbmeb-3081	106	15	wallets	wallet	NOUN
ajbmeb-3081	106	16	.	.	PUNCT
ajbmeb-3081	107	1	according	accord	VERB
ajbmeb-3081	107	2	to	to	ADP
ajbmeb-3081	107	3	the	the	DET
ajbmeb-3081	107	4	data	datum	NOUN
ajbmeb-3081	107	5	,	,	PUNCT
ajbmeb-3081	107	6	one	one	NUM
ajbmeb-3081	107	7	in	in	ADP
ajbmeb-3081	107	8	four	four	NUM
ajbmeb-3081	107	9	us	us	PROPN
ajbmeb-3081	107	10	shoppers	shopper	NOUN
ajbmeb-3081	107	11	have	have	AUX
ajbmeb-3081	107	12	purchased	purchase	VERB
ajbmeb-3081	107	13	primary	primary	ADJ
ajbmeb-3081	107	14	products	product	NOUN
ajbmeb-3081	107	15	online	online	ADV
ajbmeb-3081	107	16	.	.	PUNCT
ajbmeb-3081	108	1	kredit	kredit	PROPN
ajbmeb-3081	108	2	k	k	PROPN
ajbmeb-3081	108	3	artalar	artalar	PROPN
ajbmeb-3081	108	4	debet	debet	PROPN
ajbmeb-3081	108	5	kartalar	kartalar	ADJ
ajbmeb-3081	108	6	naqd	naqd	PROPN
ajbmeb-3081	108	7	pullar	pullar	PROPN
ajbmeb-3081	108	8	paypal	paypal	PROPN
ajbmeb-3081	108	9	apple	apple	PROPN
ajbmeb-3081	108	10	pay	pay	NOUN
ajbmeb-3081	108	11	savdo	savdo	ADP
ajbmeb-3081	108	12	do'konlari	do'konlari	PROPN
ajbmeb-3081	108	13	k	k	PROPN
ajbmeb-3081	108	14	artalari	artalari	PROPN
ajbmeb-3081	108	15	google	google	PROPN
ajbmeb-3081	108	16	pay	pay	PROPN
ajbmeb-3081	108	17	bnpl	bnpl	PROPN
ajbmeb-3081	108	18	sovg'ali	sovg'ali	PROPN
ajbmeb-3081	108	19	k	k	PROPN
ajbmeb-3081	108	20	artalar	artalar	PROPN
ajbmeb-3081	108	21	qr	qr	PROPN
ajbmeb-3081	108	22	-	-	PUNCT
ajbmeb-3081	108	23	kodlar	kodlar	PROPN
ajbmeb-3081	108	24	krip	krip	PROPN
ajbmeb-3081	108	25	tovalyutalar	tovalyutalar	ADJ
ajbmeb-3081	108	26	venmo	venmo	PROPN
ajbmeb-3081	108	27	samsung	samsung	PROPN
ajbmeb-3081	108	28	pay	pay	VERB
ajbmeb-3081	108	29	cheklar	cheklar	ADJ
ajbmeb-3081	108	30	boshqa	boshqa	PROPN
ajbmeb-3081	108	31	raqamli	raqamli	PROPN
ajbmeb-3081	109	1	k	k	PROPN
ajbmeb-3081	109	2	artalar	artalar	PROPN
ajbmeb-3081	109	3	0	0	NUM
ajbmeb-3081	109	4	20	20	NUM
ajbmeb-3081	109	5	40	40	NUM
ajbmeb-3081	109	6	60	60	NUM
ajbmeb-3081	109	7	80	80	NUM
ajbmeb-3081	109	8	100	100	NUM
ajbmeb-3081	109	9	120	120	NUM
ajbmeb-3081	109	10	140	140	NUM
ajbmeb-3081	109	11	160	160	NUM
ajbmeb-3081	109	12	180	180	NUM
ajbmeb-3081	109	13	200	200	NUM
ajbmeb-3081	109	14	192	192	NUM
ajbmeb-3081	109	15	179.7	179.7	NUM
ajbmeb-3081	109	16	52.4	52.4	NUM
ajbmeb-3081	109	17	42	42	NUM
ajbmeb-3081	109	18	28.1	28.1	NUM
ajbmeb-3081	109	19	15.3	15.3	NUM
ajbmeb-3081	109	20	12.9	12.9	NUM
ajbmeb-3081	109	21	5.8	5.8	NUM
ajbmeb-3081	109	22	4.5	4.5	NUM
ajbmeb-3081	109	23	4.3	4.3	NUM
ajbmeb-3081	109	24	4	4	NUM
ajbmeb-3081	109	25	2.6	2.6	NUM
ajbmeb-3081	109	26	2	2	NUM
ajbmeb-3081	109	27	1.6	1.6	NUM
ajbmeb-3081	109	28	1.2	1.2	NUM
ajbmeb-3081	109	29	2	2	NUM
ajbmeb-3081	109	30	.	.	PUNCT
ajbmeb-3081	110	1	average	average	ADJ
ajbmeb-3081	110	2	monthly	monthly	ADJ
ajbmeb-3081	110	3	volume	volume	NOUN
ajbmeb-3081	110	4	of	of	ADP
ajbmeb-3081	110	5	consumer	consumer	NOUN
ajbmeb-3081	110	6	payments	payment	NOUN
ajbmeb-3081	110	7	by	by	ADP
ajbmeb-3081	110	8	payment	payment	NOUN
ajbmeb-3081	110	9	method	method	NOUN
ajbmeb-3081	110	10	in	in	ADP
ajbmeb-3081	110	11	the	the	DET
ajbmeb-3081	110	12	united	united	PROPN
ajbmeb-3081	110	13	states	states	PROPN
ajbmeb-3081	110	14	9(in	9(in	NOUN
ajbmeb-3081	110	15	billions	billion	NOUN
ajbmeb-3081	110	16	of	of	ADP
ajbmeb-3081	110	17	us	us	PROPN
ajbmeb-3081	110	18	dollars	dollar	NOUN
ajbmeb-3081	110	19	)	)	PUNCT
ajbmeb-3081	110	20	trend	trend	NOUN
ajbmeb-3081	110	21	3	3	NUM
ajbmeb-3081	110	22	.	.	PUNCT
ajbmeb-3081	110	23	intensification	intensification	NOUN
ajbmeb-3081	110	24	of	of	ADP
ajbmeb-3081	110	25	competition	competition	NOUN
ajbmeb-3081	110	26	in	in	ADP
ajbmeb-3081	110	27	the	the	DET
ajbmeb-3081	110	28	p2p	p2p	NOUN
ajbmeb-3081	110	29	transaction	transaction	NOUN
ajbmeb-3081	110	30	segment	segment	NOUN
ajbmeb-3081	110	31	.	.	PUNCT
ajbmeb-3081	111	1	in	in	ADP
ajbmeb-3081	111	2	order	order	NOUN
ajbmeb-3081	111	3	to	to	PART
ajbmeb-3081	111	4	create	create	VERB
ajbmeb-3081	111	5	a	a	DET
ajbmeb-3081	111	6	competitive	competitive	ADJ
ajbmeb-3081	111	7	advantage	advantage	NOUN
ajbmeb-3081	111	8	with	with	ADP
ajbmeb-3081	111	9	fintech	fintech	NOUN
ajbmeb-3081	111	10	companies	company	NOUN
ajbmeb-3081	111	11	that	that	PRON
ajbmeb-3081	111	12	develop	develop	VERB
ajbmeb-3081	111	13	technologies	technology	NOUN
ajbmeb-3081	111	14	that	that	PRON
ajbmeb-3081	111	15	facilitate	facilitate	VERB
ajbmeb-3081	111	16	p2p	p2p	NOUN
ajbmeb-3081	111	17	transactions	transaction	NOUN
ajbmeb-3081	111	18	,	,	PUNCT
ajbmeb-3081	111	19	five	five	NUM
ajbmeb-3081	111	20	major	major	ADJ
ajbmeb-3081	111	21	us	us	PROPN
ajbmeb-3081	111	22	banks	bank	NOUN
ajbmeb-3081	111	23	have	have	AUX
ajbmeb-3081	111	24	developed	develop	VERB
ajbmeb-3081	111	25	a	a	DET
ajbmeb-3081	111	26	money	money	NOUN
ajbmeb-3081	111	27	transfer	transfer	NOUN
ajbmeb-3081	111	28	platform	platform	NOUN
ajbmeb-3081	111	29	service	service	NOUN
ajbmeb-3081	111	30	called	call	VERB
ajbmeb-3081	111	31	zelle	zelle	PROPN
ajbmeb-3081	111	32	,	,	PUNCT
ajbmeb-3081	111	33	which	which	PRON
ajbmeb-3081	111	34	has	have	AUX
ajbmeb-3081	111	35	achieved	achieve	VERB
ajbmeb-3081	111	36	some	some	DET
ajbmeb-3081	111	37	success	success	NOUN
ajbmeb-3081	111	38	in	in	ADP
ajbmeb-3081	111	39	the	the	DET
ajbmeb-3081	111	40	p2p	p2p	NOUN
ajbmeb-3081	111	41	transaction	transaction	NOUN
ajbmeb-3081	111	42	sector	sector	NOUN
ajbmeb-3081	111	43	.	.	PUNCT
ajbmeb-3081	112	1	however	however	ADV
ajbmeb-3081	112	2	,	,	PUNCT
ajbmeb-3081	112	3	the	the	DET
ajbmeb-3081	112	4	introduction	introduction	NOUN
ajbmeb-3081	112	5	of	of	ADP
ajbmeb-3081	112	6	additional	additional	ADJ
ajbmeb-3081	112	7	functionalities	functionality	NOUN
ajbmeb-3081	112	8	(	(	PUNCT
ajbmeb-3081	112	9	in	in	ADP
ajbmeb-3081	112	10	particular	particular	ADJ
ajbmeb-3081	112	11	,	,	PUNCT
ajbmeb-3081	112	12	s2b	s2b	NOUN
ajbmeb-3081	112	13	payments	payment	NOUN
ajbmeb-3081	112	14	)	)	PUNCT
ajbmeb-3081	112	15	by	by	ADP
ajbmeb-3081	112	16	paypal	paypal	NOUN
ajbmeb-3081	112	17	,	,	PUNCT
ajbmeb-3081	112	18	venmo	venmo	NOUN
ajbmeb-3081	112	19	,	,	PUNCT
ajbmeb-3081	112	20	and	and	CCONJ
ajbmeb-3081	112	21	cash	cash	NOUN
ajbmeb-3081	112	22	app	app	NOUN
ajbmeb-3081	112	23	block	block	NOUN
ajbmeb-3081	112	24	is	be	AUX
ajbmeb-3081	112	25	creating	create	VERB
ajbmeb-3081	112	26	additional	additional	ADJ
ajbmeb-3081	112	27	problems	problem	NOUN
ajbmeb-3081	112	28	for	for	ADP
ajbmeb-3081	112	29	banks	bank	NOUN
ajbmeb-3081	112	30	.	.	PUNCT
ajbmeb-3081	113	1	introduction	introduction	NOUN
ajbmeb-3081	113	2	of	of	ADP
ajbmeb-3081	113	3	super	super	ADJ
ajbmeb-3081	113	4	-	-	ADJ
ajbmeb-3081	113	5	app	app	ADJ
ajbmeb-3081	113	6	technologies	technology	NOUN
ajbmeb-3081	113	7	.	.	PUNCT
ajbmeb-3081	114	1	one	one	NUM
ajbmeb-3081	114	2	of	of	ADP
ajbmeb-3081	114	3	the	the	DET
ajbmeb-3081	114	4	issues	issue	NOUN
ajbmeb-3081	114	5	that	that	PRON
ajbmeb-3081	114	6	is	be	AUX
ajbmeb-3081	114	7	being	be	AUX
ajbmeb-3081	114	8	actively	actively	ADV
ajbmeb-3081	114	9	studied	study	VERB
ajbmeb-3081	114	10	by	by	ADP
ajbmeb-3081	114	11	the	the	DET
ajbmeb-3081	114	12	world	world	NOUN
ajbmeb-3081	114	13	's	's	PART
ajbmeb-3081	114	14	leading	lead	VERB
ajbmeb-3081	114	15	banks	bank	NOUN
ajbmeb-3081	114	16	today	today	NOUN
ajbmeb-3081	114	17	is	be	AUX
ajbmeb-3081	114	18	the	the	DET
ajbmeb-3081	114	19	formation	formation	NOUN
ajbmeb-3081	114	20	of	of	ADP
ajbmeb-3081	114	21	a	a	DET
ajbmeb-3081	114	22	super	super	NOUN
ajbmeb-3081	114	23	-	-	ADJ
ajbmeb-3081	114	24	app	app	ADJ
ajbmeb-3081	114	25	(	(	PUNCT
ajbmeb-3081	114	26	collecting	collect	VERB
ajbmeb-3081	114	27	the	the	DET
ajbmeb-3081	114	28	functions	function	NOUN
ajbmeb-3081	114	29	necessary	necessary	ADJ
ajbmeb-3081	114	30	for	for	ADP
ajbmeb-3081	114	31	the	the	DET
ajbmeb-3081	114	32	client	client	NOUN
ajbmeb-3081	114	33	in	in	ADP
ajbmeb-3081	114	34	a	a	DET
ajbmeb-3081	114	35	single	single	ADJ
ajbmeb-3081	114	36	interface	interface	NOUN
ajbmeb-3081	114	37	)	)	PUNCT
ajbmeb-3081	114	38	.	.	PUNCT
ajbmeb-3081	115	1	the	the	DET
ajbmeb-3081	115	2	number	number	NOUN
ajbmeb-3081	115	3	of	of	ADP
ajbmeb-3081	115	4	cases	case	NOUN
ajbmeb-3081	115	5	of	of	ADP
ajbmeb-3081	115	6	this	this	DET
ajbmeb-3081	115	7	issue	issue	NOUN
ajbmeb-3081	115	8	in	in	ADP
ajbmeb-3081	115	9	annual	annual	ADJ
ajbmeb-3081	115	10	reports	report	NOUN
ajbmeb-3081	115	11	and	and	CCONJ
ajbmeb-3081	115	12	business	business	NOUN
ajbmeb-3081	115	13	plans	plan	NOUN
ajbmeb-3081	115	14	increased	increase	VERB
ajbmeb-3081	115	15	by	by	ADP
ajbmeb-3081	115	16	640	640	NUM
ajbmeb-3081	115	17	%	%	NOUN
ajbmeb-3081	115	18	in	in	ADP
ajbmeb-3081	115	19	2019	2019	NUM
ajbmeb-3081	115	20	-	-	SYM
ajbmeb-3081	115	21	2021	2021	NUM
ajbmeb-3081	115	22	.	.	PUNCT
ajbmeb-3081	116	1	the	the	DET
ajbmeb-3081	116	2	main	main	ADJ
ajbmeb-3081	116	3	problem	problem	NOUN
ajbmeb-3081	116	4	in	in	ADP
ajbmeb-3081	116	5	this	this	DET
ajbmeb-3081	116	6	area	area	NOUN
ajbmeb-3081	116	7	is	be	AUX
ajbmeb-3081	116	8	related	relate	VERB
ajbmeb-3081	116	9	to	to	ADP
ajbmeb-3081	116	10	customer	customer	NOUN
ajbmeb-3081	116	11	demand	demand	NOUN
ajbmeb-3081	116	12	.	.	PUNCT
ajbmeb-3081	117	1	banking	banking	NOUN
ajbmeb-3081	117	2	applications	application	NOUN
ajbmeb-3081	117	3	have	have	VERB
ajbmeb-3081	117	4	a	a	DET
ajbmeb-3081	117	5	complex	complex	ADJ
ajbmeb-3081	117	6	structural	structural	ADJ
ajbmeb-3081	117	7	structure	structure	NOUN
ajbmeb-3081	117	8	,	,	PUNCT
ajbmeb-3081	117	9	but	but	CCONJ
ajbmeb-3081	117	10	in	in	ADP
ajbmeb-3081	117	11	most	most	ADJ
ajbmeb-3081	117	12	cases	case	NOUN
ajbmeb-3081	117	13	,	,	PUNCT
ajbmeb-3081	117	14	customers	customer	NOUN
ajbmeb-3081	117	15	only	only	ADV
ajbmeb-3081	117	16	use	use	VERB
ajbmeb-3081	117	17	functions	function	NOUN
ajbmeb-3081	117	18	such	such	ADJ
ajbmeb-3081	117	19	as	as	ADP
ajbmeb-3081	117	20	checking	check	VERB
ajbmeb-3081	117	21	the	the	DET
ajbmeb-3081	117	22	balance	balance	NOUN
ajbmeb-3081	117	23	,	,	PUNCT
ajbmeb-3081	117	24	making	make	VERB
ajbmeb-3081	117	25	payments	payment	NOUN
ajbmeb-3081	117	26	,	,	PUNCT
ajbmeb-3081	117	27	and	and	CCONJ
ajbmeb-3081	117	28	viewing	view	VERB
ajbmeb-3081	117	29	payment	payment	NOUN
ajbmeb-3081	117	30	history	history	NOUN
ajbmeb-3081	117	31	.	.	PUNCT
ajbmeb-3081	118	1	therefore	therefore	ADV
ajbmeb-3081	118	2	,	,	PUNCT
ajbmeb-3081	118	3	4	4	NUM
ajbmeb-3081	118	4	-	-	SYM
ajbmeb-3081	118	5	5	5	NUM
ajbmeb-3081	118	6	apis	api	NOUN
ajbmeb-3081	118	7	are	be	AUX
ajbmeb-3081	118	8	used	use	VERB
ajbmeb-3081	118	9	to	to	PART
ajbmeb-3081	118	10	integrate	integrate	VERB
ajbmeb-3081	118	11	mobile	mobile	ADJ
ajbmeb-3081	118	12	applications	application	NOUN
ajbmeb-3081	118	13	with	with	ADP
ajbmeb-3081	118	14	other	other	ADJ
ajbmeb-3081	118	15	platforms	platform	NOUN
ajbmeb-3081	118	16	.	.	PUNCT
ajbmeb-3081	119	1	mobile	mobile	ADJ
ajbmeb-3081	119	2	technologies	technology	NOUN
ajbmeb-3081	119	3	are	be	AUX
ajbmeb-3081	119	4	based	base	VERB
ajbmeb-3081	119	5	on	on	ADP
ajbmeb-3081	119	6	the	the	DET
ajbmeb-3081	119	7	use	use	NOUN
ajbmeb-3081	119	8	of	of	ADP
ajbmeb-3081	119	9	devices	device	NOUN
ajbmeb-3081	119	10	such	such	ADJ
ajbmeb-3081	119	11	as	as	ADP
ajbmeb-3081	119	12	smartphones	smartphone	NOUN
ajbmeb-3081	119	13	,	,	PUNCT
ajbmeb-3081	119	14	tablets	tablet	NOUN
ajbmeb-3081	119	15	,	,	PUNCT
ajbmeb-3081	119	16	mobile	mobile	NOUN
ajbmeb-3081	119	17	devices	device	NOUN
ajbmeb-3081	119	18	.	.	PUNCT
ajbmeb-3081	120	1	as	as	ADP
ajbmeb-3081	120	2	a	a	DET
ajbmeb-3081	120	3	result	result	NOUN
ajbmeb-3081	120	4	of	of	ADP
ajbmeb-3081	120	5	the	the	DET
ajbmeb-3081	120	6	development	development	NOUN
ajbmeb-3081	120	7	of	of	ADP
ajbmeb-3081	120	8	mobile	mobile	ADJ
ajbmeb-3081	120	9	technologies	technology	NOUN
ajbmeb-3081	120	10	,	,	PUNCT
ajbmeb-3081	120	11	a	a	DET
ajbmeb-3081	120	12	separate	separate	ADJ
ajbmeb-3081	120	13	area	area	NOUN
ajbmeb-3081	120	14	of	of	ADP
ajbmeb-3081	120	15	banking	banking	NOUN
ajbmeb-3081	120	16	activity	activity	NOUN
ajbmeb-3081	120	17	has	have	AUX
ajbmeb-3081	120	18	emerged	emerge	VERB
ajbmeb-3081	120	19	,	,	PUNCT
ajbmeb-3081	120	20	namely	namely	ADV
ajbmeb-3081	120	21	mobile	mobile	ADJ
ajbmeb-3081	120	22	banking	banking	NOUN
ajbmeb-3081	120	23	.	.	PUNCT
ajbmeb-3081	121	1	it	it	PRON
ajbmeb-3081	121	2	has	have	AUX
ajbmeb-3081	121	3	become	become	VERB
ajbmeb-3081	121	4	possible	possible	ADJ
ajbmeb-3081	121	5	to	to	PART
ajbmeb-3081	121	6	carry	carry	VERB
ajbmeb-3081	121	7	out	out	ADP
ajbmeb-3081	121	8	the	the	DET
ajbmeb-3081	121	9	main	main	ADJ
ajbmeb-3081	121	10	part	part	NOUN
ajbmeb-3081	121	11	of	of	ADP
ajbmeb-3081	121	12	customer	customer	NOUN
ajbmeb-3081	121	13	interactions	interaction	NOUN
ajbmeb-3081	121	14	with	with	ADP
ajbmeb-3081	121	15	7	7	NUM
ajbmeb-3081	121	16	prepared	prepare	VERB
ajbmeb-3081	121	17	based	base	VERB
ajbmeb-3081	121	18	on	on	ADP
ajbmeb-3081	121	19	data	datum	NOUN
ajbmeb-3081	121	20	from	from	ADP
ajbmeb-3081	121	21	https://www.forrester.com/report/predictions-2022-payments/res176306	https://www.forrester.com/report/predictions-2022-payments/res176306	PROPN
ajbmeb-3081	121	22	.	.	PUNCT
ajbmeb-3081	122	1	8	8	NUM
ajbmeb-3081	122	2	prepared	prepare	VERB
ajbmeb-3081	122	3	based	base	VERB
ajbmeb-3081	122	4	on	on	ADP
ajbmeb-3081	122	5	information	information	NOUN
ajbmeb-3081	122	6	from	from	ADP
ajbmeb-3081	122	7	https://www.pymnts.com/	https://www.pymnts.com/	NOUN
ajbmeb-3081	122	8	.	.	PUNCT
ajbmeb-3081	123	1	9	9	NUM
ajbmeb-3081	123	2	prepared	prepare	VERB
ajbmeb-3081	123	3	based	base	VERB
ajbmeb-3081	123	4	on	on	ADP
ajbmeb-3081	123	5	information	information	NOUN
ajbmeb-3081	123	6	from	from	ADP
ajbmeb-3081	123	7	https://www.pymnts.com/topic/retail/	https://www.pymnts.com/topic/retail/	PROPN
ajbmeb-3081	123	8	.	.	PUNCT
ajbmeb-3081	124	1	https://www.forrester.com/report/predictions-2022-payments/res176306	https://www.forrester.com/report/predictions-2022-payments/res176306	PROPN
ajbmeb-3081	124	2	https://www.pymnts.com/	https://www.pymnts.com/	NOUN
ajbmeb-3081	124	3	https://www.pymnts.com/topic/retail/	https://www.pymnts.com/topic/retail/	PROPN
ajbmeb-3081	124	4	american	american	PROPN
ajbmeb-3081	124	5	journal	journal	PROPN
ajbmeb-3081	124	6	of	of	ADP
ajbmeb-3081	124	7	business	business	NOUN
ajbmeb-3081	124	8	management	management	NOUN
ajbmeb-3081	124	9	,	,	PUNCT
ajbmeb-3081	124	10	economics	economic	NOUN
ajbmeb-3081	124	11	and	and	CCONJ
ajbmeb-3081	124	12	banking	banking	NOUN
ajbmeb-3081	124	13	volume	volume	NOUN
ajbmeb-3081	124	14	40	40	NUM
ajbmeb-3081	125	1	september2025	september2025	PROPN
ajbmeb-3081	125	2	p	p	NOUN
ajbmeb-3081	125	3	a	a	DET
ajbmeb-3081	125	4	g	g	NOUN
ajbmeb-3081	125	5	e	e	NOUN
ajbmeb-3081	125	6	|	|	NOUN
ajbmeb-3081	125	7	31	31	NUM
ajbmeb-3081	125	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	126	1	the	the	DET
ajbmeb-3081	126	2	bank	bank	NOUN
ajbmeb-3081	126	3	via	via	ADP
ajbmeb-3081	126	4	mobile	mobile	ADJ
ajbmeb-3081	126	5	devices	device	NOUN
ajbmeb-3081	126	6	.	.	PUNCT
ajbmeb-3081	127	1	as	as	ADP
ajbmeb-3081	127	2	a	a	DET
ajbmeb-3081	127	3	rule	rule	NOUN
ajbmeb-3081	127	4	,	,	PUNCT
ajbmeb-3081	127	5	the	the	DET
ajbmeb-3081	127	6	use	use	NOUN
ajbmeb-3081	127	7	of	of	ADP
ajbmeb-3081	127	8	mobile	mobile	ADJ
ajbmeb-3081	127	9	technologies	technology	NOUN
ajbmeb-3081	127	10	in	in	ADP
ajbmeb-3081	127	11	the	the	DET
ajbmeb-3081	127	12	banking	banking	NOUN
ajbmeb-3081	127	13	and	and	CCONJ
ajbmeb-3081	127	14	finance	finance	NOUN
ajbmeb-3081	127	15	sector	sector	NOUN
ajbmeb-3081	127	16	is	be	AUX
ajbmeb-3081	127	17	based	base	VERB
ajbmeb-3081	127	18	on	on	ADP
ajbmeb-3081	127	19	special	special	ADJ
ajbmeb-3081	127	20	application	application	NOUN
ajbmeb-3081	127	21	packages	package	NOUN
ajbmeb-3081	127	22	,	,	PUNCT
ajbmeb-3081	127	23	platforms	platform	NOUN
ajbmeb-3081	127	24	,	,	PUNCT
ajbmeb-3081	127	25	and	and	CCONJ
ajbmeb-3081	127	26	mobile	mobile	ADJ
ajbmeb-3081	127	27	applications	application	NOUN
ajbmeb-3081	127	28	.	.	PUNCT
ajbmeb-3081	128	1	big	big	ADJ
ajbmeb-3081	128	2	data	datum	NOUN
ajbmeb-3081	128	3	.	.	PUNCT
ajbmeb-3081	129	1	today	today	NOUN
ajbmeb-3081	129	2	,	,	PUNCT
ajbmeb-3081	129	3	banking	banking	NOUN
ajbmeb-3081	129	4	and	and	CCONJ
ajbmeb-3081	129	5	non	non	ADJ
ajbmeb-3081	129	6	-	-	ADJ
ajbmeb-3081	129	7	bank	bank	ADJ
ajbmeb-3081	129	8	financial	financial	ADJ
ajbmeb-3081	129	9	institutions	institution	NOUN
ajbmeb-3081	129	10	are	be	AUX
ajbmeb-3081	129	11	able	able	ADJ
ajbmeb-3081	129	12	to	to	PART
ajbmeb-3081	129	13	integrate	integrate	VERB
ajbmeb-3081	129	14	into	into	ADP
ajbmeb-3081	129	15	large	large	ADJ
ajbmeb-3081	129	16	-	-	PUNCT
ajbmeb-3081	129	17	scale	scale	NOUN
ajbmeb-3081	129	18	databases	database	NOUN
ajbmeb-3081	129	19	,	,	PUNCT
ajbmeb-3081	129	20	process	process	NOUN
ajbmeb-3081	129	21	and	and	CCONJ
ajbmeb-3081	129	22	use	use	VERB
ajbmeb-3081	129	23	existing	exist	VERB
ajbmeb-3081	129	24	data	datum	NOUN
ajbmeb-3081	129	25	,	,	PUNCT
ajbmeb-3081	129	26	study	study	NOUN
ajbmeb-3081	129	27	customer	customer	NOUN
ajbmeb-3081	129	28	behavior	behavior	NOUN
ajbmeb-3081	129	29	,	,	PUNCT
ajbmeb-3081	129	30	create	create	VERB
ajbmeb-3081	129	31	new	new	ADJ
ajbmeb-3081	129	32	consumer	consumer	NOUN
ajbmeb-3081	129	33	habits	habit	NOUN
ajbmeb-3081	129	34	and	and	CCONJ
ajbmeb-3081	129	35	categories	category	NOUN
ajbmeb-3081	129	36	,	,	PUNCT
ajbmeb-3081	129	37	and	and	CCONJ
ajbmeb-3081	129	38	offer	offer	VERB
ajbmeb-3081	129	39	them	they	PRON
ajbmeb-3081	129	40	the	the	DET
ajbmeb-3081	129	41	most	most	ADV
ajbmeb-3081	129	42	suitable	suitable	ADJ
ajbmeb-3081	129	43	products	product	NOUN
ajbmeb-3081	129	44	and	and	CCONJ
ajbmeb-3081	129	45	services	service	NOUN
ajbmeb-3081	129	46	.	.	PUNCT
ajbmeb-3081	130	1	conclusion	conclusion	NOUN
ajbmeb-3081	130	2	and	and	CCONJ
ajbmeb-3081	130	3	suggestions	suggestion	NOUN
ajbmeb-3081	130	4	transferred	transfer	VERB
ajbmeb-3081	130	5	research	research	NOUN
ajbmeb-3081	130	6	results	result	NOUN
ajbmeb-3081	130	7	this	this	PRON
ajbmeb-3081	130	8	shows	show	VERB
ajbmeb-3081	130	9	that	that	SCONJ
ajbmeb-3081	130	10	commerce	commerce	NOUN
ajbmeb-3081	130	11	banks	bank	NOUN
ajbmeb-3081	130	12	activity	activity	VERB
ajbmeb-3081	130	13	digital	digital	ADJ
ajbmeb-3081	130	14	business	business	NOUN
ajbmeb-3081	130	15	to	to	ADP
ajbmeb-3081	130	16	the	the	DET
ajbmeb-3081	130	17	model	model	NOUN
ajbmeb-3081	130	18	transfer	transfer	NOUN
ajbmeb-3081	130	19	process	process	NOUN
ajbmeb-3081	130	20	global	global	ADJ
ajbmeb-3081	130	21	finance	finance	NOUN
ajbmeb-3081	130	22	market	market	NOUN
ajbmeb-3081	130	23	downturn	downturn	NOUN
ajbmeb-3081	130	24	is	be	AUX
ajbmeb-3081	130	25	making	make	VERB
ajbmeb-3081	130	26	.	.	PUNCT
ajbmeb-3081	131	1	in	in	ADP
ajbmeb-3081	131	2	2015	2015	NUM
ajbmeb-3081	131	3	,	,	PUNCT
ajbmeb-3081	131	4	the	the	DET
ajbmeb-3081	131	5	great	great	ADJ
ajbmeb-3081	131	6	open	open	ADJ
ajbmeb-3081	131	7	banking	banking	NOUN
ajbmeb-3081	131	8	initiative	initiative	NOUN
ajbmeb-3081	131	9	in	in	ADP
ajbmeb-3081	131	10	britain	britain	PROPN
ajbmeb-3081	131	11	within	within	ADP
ajbmeb-3081	131	12	from	from	ADP
ajbmeb-3081	131	13	open	open	ADJ
ajbmeb-3081	131	14	api	api	NOUN
ajbmeb-3081	131	15	standards	standard	NOUN
ajbmeb-3081	131	16	use	use	NOUN
ajbmeb-3081	131	17	according	accord	VERB
ajbmeb-3081	131	18	to	to	ADP
ajbmeb-3081	131	19	started	start	VERB
ajbmeb-3081	131	20	experience	experience	NOUN
ajbmeb-3081	131	21	world	world	NOUN
ajbmeb-3081	131	22	banking	banking	NOUN
ajbmeb-3081	131	23	services	service	NOUN
ajbmeb-3081	131	24	on	on	ADP
ajbmeb-3081	131	25	a	a	DET
ajbmeb-3081	131	26	large	large	ADJ
ajbmeb-3081	131	27	scale	scale	NOUN
ajbmeb-3081	131	28	new	new	ADJ
ajbmeb-3081	131	29	quality	quality	NOUN
ajbmeb-3081	131	30	to	to	ADP
ajbmeb-3081	131	31	the	the	DET
ajbmeb-3081	131	32	stage	stage	NOUN
ajbmeb-3081	131	33	take	take	VERB
ajbmeb-3081	131	34	the	the	DET
ajbmeb-3081	131	35	result	result	NOUN
ajbmeb-3081	131	36	is	be	AUX
ajbmeb-3081	131	37	banks	bank	NOUN
ajbmeb-3081	131	38	customer	customer	NOUN
ajbmeb-3081	131	39	information	information	NOUN
ajbmeb-3081	131	40	protection	protection	NOUN
ajbmeb-3081	131	41	did	do	VERB
ajbmeb-3081	131	42	without	without	ADP
ajbmeb-3081	131	43	other	other	ADJ
ajbmeb-3081	131	44	organizations	organization	NOUN
ajbmeb-3081	131	45	use	use	NOUN
ajbmeb-3081	131	46	of	of	ADP
ajbmeb-3081	131	47	databases	database	NOUN
ajbmeb-3081	131	48	,	,	PUNCT
ajbmeb-3081	131	49	services	service	NOUN
ajbmeb-3081	131	50	personalization	personalization	NOUN
ajbmeb-3081	131	51	,	,	PUNCT
ajbmeb-3081	131	52	p2p	p2p	NOUN
ajbmeb-3081	131	53	payments	payment	NOUN
ajbmeb-3081	131	54	,	,	PUNCT
ajbmeb-3081	131	55	superapps	superapps	NOUN
ajbmeb-3081	131	56	,	,	PUNCT
ajbmeb-3081	131	57	big	big	ADJ
ajbmeb-3081	131	58	information	information	NOUN
ajbmeb-3081	131	59	technologies	technology	NOUN
ajbmeb-3081	131	60	(	(	PUNCT
ajbmeb-3081	131	61	big	big	ADJ
ajbmeb-3081	131	62	data	datum	NOUN
ajbmeb-3081	131	63	)	)	PUNCT
ajbmeb-3081	131	64	,	,	PUNCT
ajbmeb-3081	131	65	such	such	ADJ
ajbmeb-3081	131	66	as	as	ADP
ajbmeb-3081	131	67	mobile	mobile	ADJ
ajbmeb-3081	131	68	banking	banking	NOUN
ajbmeb-3081	131	69	innovations	innovation	NOUN
ajbmeb-3081	131	70	wide	wide	ADV
ajbmeb-3081	131	71	current	current	ADJ
ajbmeb-3081	131	72	to	to	PART
ajbmeb-3081	131	73	grow	grow	VERB
ajbmeb-3081	131	74	to	to	ADP
ajbmeb-3081	131	75	the	the	DET
ajbmeb-3081	131	76	possibility	possibility	NOUN
ajbmeb-3081	131	77	has	have	AUX
ajbmeb-3081	131	78	it	it	PRON
ajbmeb-3081	131	79	has	have	AUX
ajbmeb-3081	131	80	been	be	AUX
ajbmeb-3081	131	81	.	.	PUNCT
ajbmeb-3081	132	1	digital	digital	ADJ
ajbmeb-3081	132	2	transformation	transformation	NOUN
ajbmeb-3081	132	3	step	step	NOUN
ajbmeb-3081	132	4	by	by	ADP
ajbmeb-3081	132	5	step	step	NOUN
ajbmeb-3081	132	6	done	do	VERB
ajbmeb-3081	132	7	more	more	ADJ
ajbmeb-3081	132	8	than	than	ADP
ajbmeb-3081	132	9	three	three	NUM
ajbmeb-3081	132	10	main	main	ADJ
ajbmeb-3081	132	11	in	in	ADP
ajbmeb-3081	132	12	the	the	DET
ajbmeb-3081	132	13	direction	direction	NOUN
ajbmeb-3081	132	14	manifestation	manifestation	NOUN
ajbmeb-3081	132	15	was	be	AUX
ajbmeb-3081	132	16	:	:	PUNCT
ajbmeb-3081	132	17	first	first	ADV
ajbmeb-3081	132	18	in	in	ADP
ajbmeb-3081	132	19	stages	stage	NOUN
ajbmeb-3081	132	20	customers	customer	NOUN
ajbmeb-3081	132	21	with	with	ADP
ajbmeb-3081	132	22	digital	digital	ADJ
ajbmeb-3081	132	23	channels	channel	NOUN
ajbmeb-3081	132	24	through	through	ADP
ajbmeb-3081	132	25	new	new	ADJ
ajbmeb-3081	132	26	relationship	relationship	NOUN
ajbmeb-3081	132	27	installation	installation	NOUN
ajbmeb-3081	132	28	;	;	PUNCT
ajbmeb-3081	132	29	second	second	ADJ
ajbmeb-3081	132	30	in	in	SCONJ
ajbmeb-3081	132	31	stages	stage	NOUN
ajbmeb-3081	132	32	bank	bank	NOUN
ajbmeb-3081	132	33	technological	technological	ADJ
ajbmeb-3081	132	34	infrastructure	infrastructure	NOUN
ajbmeb-3081	132	35	modular	modular	ADJ
ajbmeb-3081	132	36	and	and	CCONJ
ajbmeb-3081	132	37	flexible	flexible	ADJ
ajbmeb-3081	132	38	to	to	ADP
ajbmeb-3081	132	39	the	the	DET
ajbmeb-3081	132	40	system	system	NOUN
ajbmeb-3081	132	41	rotate	rotate	VERB
ajbmeb-3081	132	42	;	;	PUNCT
ajbmeb-3081	132	43	third	third	ADV
ajbmeb-3081	132	44	in	in	ADP
ajbmeb-3081	132	45	stages	stage	NOUN
ajbmeb-3081	132	46	and	and	CCONJ
ajbmeb-3081	132	47	strategic	strategic	ADJ
ajbmeb-3081	132	48	management	management	NOUN
ajbmeb-3081	132	49	simplification	simplification	NOUN
ajbmeb-3081	132	50	and	and	CCONJ
ajbmeb-3081	132	51	decision	decision	NOUN
ajbmeb-3081	132	52	acceptance	acceptance	NOUN
ajbmeb-3081	132	53	to	to	PART
ajbmeb-3081	132	54	do	do	VERB
ajbmeb-3081	132	55	this	this	DET
ajbmeb-3081	132	56	process	process	NOUN
ajbmeb-3081	132	57	accelerates	accelerate	VERB
ajbmeb-3081	132	58	banking	banking	NOUN
ajbmeb-3081	132	59	services	service	NOUN
ajbmeb-3081	132	60	.	.	PUNCT
ajbmeb-3081	133	1	further	far	ADV
ajbmeb-3081	133	2	flexible	flexible	ADJ
ajbmeb-3081	133	3	,	,	PUNCT
ajbmeb-3081	133	4	fast	fast	ADJ
ajbmeb-3081	133	5	and	and	CCONJ
ajbmeb-3081	133	6	customer	customer	NOUN
ajbmeb-3081	133	7	to	to	ADP
ajbmeb-3081	133	8	the	the	DET
ajbmeb-3081	133	9	needs	need	NOUN
ajbmeb-3081	133	10	directed	direct	VERB
ajbmeb-3081	133	11	so	so	SCONJ
ajbmeb-3081	133	12	that	that	SCONJ
ajbmeb-3081	133	13	banking	banking	NOUN
ajbmeb-3081	133	14	transactions	transaction	NOUN
ajbmeb-3081	133	15	quality	quality	NOUN
ajbmeb-3081	133	16	increased	increase	VERB
ajbmeb-3081	133	17	.	.	PUNCT
ajbmeb-3081	134	1	with	with	ADP
ajbmeb-3081	134	2	this	this	PRON
ajbmeb-3081	134	3	together	together	ADV
ajbmeb-3081	134	4	,	,	PUNCT
ajbmeb-3081	134	5	cybersecurity	cybersecurity	NOUN
ajbmeb-3081	134	6	,	,	PUNCT
ajbmeb-3081	134	7	data	datum	NOUN
ajbmeb-3081	134	8	protection	protection	NOUN
ajbmeb-3081	134	9	to	to	PART
ajbmeb-3081	134	10	do	do	VERB
ajbmeb-3081	134	11	and	and	CCONJ
ajbmeb-3081	134	12	risk	risk	VERB
ajbmeb-3081	134	13	management	management	NOUN
ajbmeb-3081	134	14	issues	issue	NOUN
ajbmeb-3081	134	15	current	current	ADJ
ajbmeb-3081	134	16	importance	importance	NOUN
ajbmeb-3081	134	17	profession	profession	NOUN
ajbmeb-3081	134	18	is	be	AUX
ajbmeb-3081	134	19	doing	do	VERB
ajbmeb-3081	134	20	.	.	PUNCT
ajbmeb-3081	135	1	this	this	PRON
ajbmeb-3081	135	2	from	from	ADP
ajbmeb-3081	135	3	the	the	DET
ajbmeb-3081	135	4	results	result	NOUN
ajbmeb-3081	135	5	come	come	VERB
ajbmeb-3081	135	6	out	out	ADP
ajbmeb-3081	135	7	,	,	PUNCT
ajbmeb-3081	135	8	following	follow	VERB
ajbmeb-3081	135	9	practical	practical	ADJ
ajbmeb-3081	135	10	offers	offer	NOUN
ajbmeb-3081	135	11	working	work	VERB
ajbmeb-3081	135	12	output	output	NOUN
ajbmeb-3081	135	13	:	:	PUNCT
ajbmeb-3081	135	14	•	•	NUM
ajbmeb-3081	135	15	banks	bank	NOUN
ajbmeb-3081	135	16	for	for	ADP
ajbmeb-3081	135	17	–	–	PUNCT
ajbmeb-3081	135	18	open	open	ADJ
ajbmeb-3081	135	19	api	api	NOUN
ajbmeb-3081	135	20	,	,	PUNCT
ajbmeb-3081	135	21	super	super	ADJ
ajbmeb-3081	135	22	-	-	ADJ
ajbmeb-3081	135	23	app	app	ADJ
ajbmeb-3081	135	24	and	and	CCONJ
ajbmeb-3081	135	25	big	big	ADJ
ajbmeb-3081	135	26	data	datum	NOUN
ajbmeb-3081	135	27	solutions	solution	NOUN
ajbmeb-3081	135	28	current	current	ADJ
ajbmeb-3081	135	29	customer	customer	NOUN
ajbmeb-3081	135	30	needs	need	VERB
ajbmeb-3081	135	31	deep	deep	ADJ
ajbmeb-3081	135	32	analysis	analysis	NOUN
ajbmeb-3081	135	33	to	to	PART
ajbmeb-3081	135	34	make	make	VERB
ajbmeb-3081	135	35	,	,	PUNCT
ajbmeb-3081	135	36	banking	banking	NOUN
ajbmeb-3081	135	37	products	product	NOUN
ajbmeb-3081	135	38	personalization	personalization	NOUN
ajbmeb-3081	135	39	and	and	CCONJ
ajbmeb-3081	135	40	service	service	NOUN
ajbmeb-3081	135	41	show	show	NOUN
ajbmeb-3081	135	42	speed	speed	NOUN
ajbmeb-3081	135	43	increase	increase	NOUN
ajbmeb-3081	135	44	;	;	PUNCT
ajbmeb-3081	135	45	frontoffice	frontoffice	NOUN
ajbmeb-3081	135	46	and	and	CCONJ
ajbmeb-3081	135	47	back	back	ADJ
ajbmeb-3081	135	48	office	office	NOUN
ajbmeb-3081	135	49	processes	process	VERB
ajbmeb-3081	135	50	complete	complete	ADJ
ajbmeb-3081	135	51	digitization	digitization	NOUN
ajbmeb-3081	135	52	through	through	ADP
ajbmeb-3081	135	53	operational	operational	ADJ
ajbmeb-3081	135	54	expenses	expense	NOUN
ajbmeb-3081	135	55	reduce	reduce	VERB
ajbmeb-3081	135	56	and	and	CCONJ
ajbmeb-3081	135	57	cybersecurity	cybersecurity	NOUN
ajbmeb-3081	135	58	strengthen	strengthen	NOUN
ajbmeb-3081	135	59	.	.	PUNCT
ajbmeb-3081	136	1	•	•	NUM
ajbmeb-3081	136	2	state	state	NOUN
ajbmeb-3081	136	3	and	and	CCONJ
ajbmeb-3081	136	4	regulators	regulator	NOUN
ajbmeb-3081	136	5	for	for	ADP
ajbmeb-3081	136	6	–	–	PUNCT
ajbmeb-3081	136	7	digital	digital	ADJ
ajbmeb-3081	136	8	banking	banking	NOUN
ajbmeb-3081	136	9	services	service	NOUN
ajbmeb-3081	136	10	supportive	supportive	ADJ
ajbmeb-3081	136	11	legal	legal	ADJ
ajbmeb-3081	136	12	the	the	DET
ajbmeb-3081	136	13	base	base	NOUN
ajbmeb-3081	136	14	further	further	ADJ
ajbmeb-3081	136	15	improvements	improvement	NOUN
ajbmeb-3081	136	16	,	,	PUNCT
ajbmeb-3081	136	17	p2p	p2p	NOUN
ajbmeb-3081	136	18	payments	payment	NOUN
ajbmeb-3081	136	19	and	and	CCONJ
ajbmeb-3081	136	20	remote	remote	ADJ
ajbmeb-3081	136	21	operations	operation	NOUN
ajbmeb-3081	136	22	safety	safety	NOUN
ajbmeb-3081	136	23	guaranteeing	guarantee	VERB
ajbmeb-3081	136	24	standards	standard	NOUN
ajbmeb-3081	136	25	current	current	ADJ
ajbmeb-3081	136	26	to	to	PART
ajbmeb-3081	136	27	be	be	AUX
ajbmeb-3081	136	28	•	•	X
ajbmeb-3081	136	29	uzbekistan	uzbekistan	PROPN
ajbmeb-3081	136	30	in	in	ADP
ajbmeb-3081	136	31	conditions	condition	NOUN
ajbmeb-3081	136	32	–	–	PUNCT
ajbmeb-3081	136	33	local	local	ADJ
ajbmeb-3081	136	34	in	in	ADP
ajbmeb-3081	136	35	banks	bank	NOUN
ajbmeb-3081	136	36	hybrid	hybrid	NOUN
ajbmeb-3081	136	37	(	(	PUNCT
ajbmeb-3081	136	38	digital	digital	ADJ
ajbmeb-3081	136	39	+	+	CCONJ
ajbmeb-3081	136	40	traditional	traditional	ADJ
ajbmeb-3081	136	41	)	)	PUNCT
ajbmeb-3081	136	42	branch	branch	NOUN
ajbmeb-3081	136	43	model	model	NOUN
ajbmeb-3081	136	44	expansion	expansion	NOUN
ajbmeb-3081	136	45	,	,	PUNCT
ajbmeb-3081	136	46	mobile	mobile	ADJ
ajbmeb-3081	136	47	banking	banking	NOUN
ajbmeb-3081	136	48	develop	develop	VERB
ajbmeb-3081	136	49	and	and	CCONJ
ajbmeb-3081	136	50	progressive	progressive	ADJ
ajbmeb-3081	136	51	foreign	foreign	ADJ
ajbmeb-3081	136	52	technologies	technology	NOUN
ajbmeb-3081	136	53	fast	fast	ADV
ajbmeb-3081	136	54	current	current	ADJ
ajbmeb-3081	136	55	to	to	ADP
ajbmeb-3081	136	56	,	,	PUNCT
ajbmeb-3081	136	57	as	as	ADV
ajbmeb-3081	136	58	well	well	ADV
ajbmeb-3081	136	59	as	as	ADP
ajbmeb-3081	136	60	international	international	ADJ
ajbmeb-3081	136	61	strategic	strategic	ADJ
ajbmeb-3081	136	62	investors	investor	NOUN
ajbmeb-3081	136	63	with	with	ADP
ajbmeb-3081	136	64	cooperation	cooperation	NOUN
ajbmeb-3081	136	65	strengthen	strengthen	VERB
ajbmeb-3081	136	66	.	.	PUNCT
ajbmeb-3081	137	1	in	in	ADP
ajbmeb-3081	137	2	general	general	ADJ
ajbmeb-3081	137	3	when	when	SCONJ
ajbmeb-3081	137	4	you	you	PRON
ajbmeb-3081	137	5	get	get	VERB
ajbmeb-3081	137	6	it	it	PRON
ajbmeb-3081	137	7	,	,	PUNCT
ajbmeb-3081	137	8	commercial	commercial	ADJ
ajbmeb-3081	137	9	banks	bank	NOUN
ajbmeb-3081	137	10	digital	digital	ADJ
ajbmeb-3081	137	11	transformation	transformation	NOUN
ajbmeb-3081	137	12	financial	financial	ADJ
ajbmeb-3081	137	13	services	service	NOUN
ajbmeb-3081	137	14	new	new	ADJ
ajbmeb-3081	137	15	to	to	ADP
ajbmeb-3081	137	16	the	the	DET
ajbmeb-3081	137	17	stage	stage	NOUN
ajbmeb-3081	137	18	take	take	VERB
ajbmeb-3081	137	19	out	out	ADP
ajbmeb-3081	137	20	,	,	PUNCT
ajbmeb-3081	137	21	customer	customer	NOUN
ajbmeb-3081	137	22	need	need	VERB
ajbmeb-3081	137	23	more	more	ADV
ajbmeb-3081	137	24	complete	complete	ADJ
ajbmeb-3081	137	25	satisfy	satisfy	NOUN
ajbmeb-3081	137	26	,	,	PUNCT
ajbmeb-3081	137	27	risks	risk	NOUN
ajbmeb-3081	137	28	reduce	reduce	VERB
ajbmeb-3081	137	29	and	and	CCONJ
ajbmeb-3081	137	30	far	far	ADJ
ajbmeb-3081	137	31	term	term	NOUN
ajbmeb-3081	137	32	stable	stable	ADJ
ajbmeb-3081	137	33	development	development	NOUN
ajbmeb-3081	137	34	to	to	PART
ajbmeb-3081	137	35	provide	provide	VERB
ajbmeb-3081	137	36	service	service	NOUN
ajbmeb-3081	137	37	this	this	PRON
ajbmeb-3081	137	38	will	will	AUX
ajbmeb-3081	137	39	do	do	VERB
ajbmeb-3081	137	40	.	.	PUNCT
ajbmeb-3081	138	1	conclusion	conclusion	NOUN
ajbmeb-3081	138	2	and	and	CCONJ
ajbmeb-3081	138	3	proposals	proposal	NOUN
ajbmeb-3081	138	4	banking	banking	NOUN
ajbmeb-3081	138	5	system	system	NOUN
ajbmeb-3081	138	6	modernization	modernization	NOUN
ajbmeb-3081	138	7	in	in	ADP
ajbmeb-3081	138	8	doing	do	VERB
ajbmeb-3081	138	9	,	,	PUNCT
ajbmeb-3081	138	10	especially	especially	ADV
ajbmeb-3081	138	11	uzbekistan	uzbekistan	PROPN
ajbmeb-3081	138	12	in	in	ADP
ajbmeb-3081	138	13	conditions	condition	NOUN
ajbmeb-3081	138	14	,	,	PUNCT
ajbmeb-3081	138	15	scientific	scientific	ADJ
ajbmeb-3081	138	16	-	-	PUNCT
ajbmeb-3081	138	17	theoretical	theoretical	ADJ
ajbmeb-3081	138	18	basis	basis	NOUN
ajbmeb-3081	138	19	and	and	CCONJ
ajbmeb-3081	138	20	practical	practical	ADJ
ajbmeb-3081	138	21	guide	guide	NOUN
ajbmeb-3081	138	22	as	as	ADP
ajbmeb-3081	138	23	big	big	ADJ
ajbmeb-3081	138	24	importance	importance	NOUN
ajbmeb-3081	138	25	has	have	VERB
ajbmeb-3081	138	26	.	.	PUNCT
ajbmeb-3081	139	1	references	reference	NOUN
ajbmeb-3081	139	2	1	1	NUM
ajbmeb-3081	139	3	.	.	PUNCT
ajbmeb-3081	140	1	седых	седых	NOUN
ajbmeb-3081	140	2	и	и	PROPN
ajbmeb-3081	140	3	.	.	PUNCT
ajbmeb-3081	141	1	а	а	PROPN
ajbmeb-3081	141	2	.	.	PUNCT
ajbmeb-3081	142	1	рынок	рынок	PROPN
ajbmeb-3081	142	2	инновационных	инновационных	PROPN
ajbmeb-3081	142	3	финансовых	финансовых	PROPN
ajbmeb-3081	142	4	технологий	технологий	PROPN
ajbmeb-3081	142	5	и	и	PROPN
ajbmeb-3081	142	6	сервисов	сервисов	NOUN
ajbmeb-3081	142	7	,	,	PUNCT
ajbmeb-3081	142	8	м	м	X
ajbmeb-3081	142	9	.	.	PUNCT
ajbmeb-3081	142	10	:	:	PUNCT
ajbmeb-3081	143	1	вшэ	вшэ	PROPN
ajbmeb-3081	143	2	,	,	PUNCT
ajbmeb-3081	143	3	центр	центр	NOUN
ajbmeb-3081	143	4	развития	развития	NOUN
ajbmeb-3081	143	5	,	,	PUNCT
ajbmeb-3081	143	6	2019	2019	NUM
ajbmeb-3081	143	7	.	.	PUNCT
ajbmeb-3081	144	1	2	2	X
ajbmeb-3081	144	2	.	.	NUM
ajbmeb-3081	144	3	тарханова	тарханова	NOUN
ajbmeb-3081	144	4	е.а	е.а	PROPN
ajbmeb-3081	144	5	.	.	PROPN
ajbmeb-3081	144	6	,	,	PUNCT
ajbmeb-3081	144	7	борисов	борисов	NOUN
ajbmeb-3081	145	1	д.с	д.с	PROPN
ajbmeb-3081	145	2	.	.	PROPN
ajbmeb-3081	145	3	,	,	PUNCT
ajbmeb-3081	145	4	тарханова	тарханова	NOUN
ajbmeb-3081	145	5	а.в	а.в	PROPN
ajbmeb-3081	145	6	.	.	PROPN
ajbmeb-3081	145	7	,	,	PUNCT
ajbmeb-3081	145	8	фрицлер	фрицлер	VERB
ajbmeb-3081	146	1	а.в	а.в	PROPN
ajbmeb-3081	146	2	.	.	PROPN
ajbmeb-3081	147	1	банковские	банковские	PROPN
ajbmeb-3081	147	2	экосистемы	экосистемы	PROPN
ajbmeb-3081	147	3	:	:	PUNCT
ajbmeb-3081	147	4	сущность	сущность	PROPN
ajbmeb-3081	147	5	,	,	PUNCT
ajbmeb-3081	147	6	типология	типология	ADP
ajbmeb-3081	147	7	и	и	PROPN
ajbmeb-3081	147	8	современные	современные	ADJ
ajbmeb-3081	147	9	подходы	подходы	PROPN
ajbmeb-3081	147	10	к	к	NOUN
ajbmeb-3081	147	11	регулированию	регулированию	NOUN
ajbmeb-3081	147	12	в	в	PROPN
ajbmeb-3081	147	13	россии	россии	PROPN
ajbmeb-3081	147	14	//	//	PROPN
ajbmeb-3081	147	15	экономика	экономика	PROPN
ajbmeb-3081	147	16	,	,	PUNCT
ajbmeb-3081	147	17	american	american	ADJ
ajbmeb-3081	147	18	journal	journal	PROPN
ajbmeb-3081	147	19	of	of	ADP
ajbmeb-3081	147	20	business	business	NOUN
ajbmeb-3081	147	21	management	management	NOUN
ajbmeb-3081	147	22	,	,	PUNCT
ajbmeb-3081	147	23	economics	economic	NOUN
ajbmeb-3081	147	24	and	and	CCONJ
ajbmeb-3081	147	25	banking	banking	NOUN
ajbmeb-3081	147	26	volume	volume	NOUN
ajbmeb-3081	147	27	40	40	NUM
ajbmeb-3081	147	28	september2025	september2025	PROPN
ajbmeb-3081	147	29	p	p	NOUN
ajbmeb-3081	147	30	a	a	DET
ajbmeb-3081	147	31	g	g	NOUN
ajbmeb-3081	147	32	e	e	NOUN
ajbmeb-3081	147	33	|	|	ADV
ajbmeb-3081	147	34	32	32	NUM
ajbmeb-3081	147	35	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3081	147	36	предпринимательство	предпринимательство	PROPN
ajbmeb-3081	147	37	и	и	PROPN
ajbmeb-3081	147	38	право	право	NOUN
ajbmeb-3081	147	39	.	.	PUNCT
ajbmeb-3081	148	1	2023	2023	NUM
ajbmeb-3081	148	2	.	.	PUNCT
ajbmeb-3081	148	3	–	–	PUNCT
ajbmeb-3081	148	4	том	том	VERB
ajbmeb-3081	148	5	13	13	NUM
ajbmeb-3081	148	6	.	.	PUNCT
ajbmeb-3081	149	1	–	–	PUNCT
ajbmeb-3081	149	2	№	№	ADV
ajbmeb-3081	149	3	6	6	NUM
ajbmeb-3081	149	4	.	.	PUNCT
ajbmeb-3081	149	5	–	–	PUNCT
ajbmeb-3081	149	6	с	с	PROPN
ajbmeb-3081	149	7	.	.	PUNCT
ajbmeb-3081	150	1	1877–1888	1877–1888	NUM
ajbmeb-3081	150	2	.	.	PUNCT
ajbmeb-3081	150	3	doi	doi	PROPN
ajbmeb-3081	150	4	:	:	PUNCT
ajbmeb-3081	150	5	10.18334	10.18334	NUM
ajbmeb-3081	150	6	/	/	SYM
ajbmeb-3081	150	7	epp.13.6.117771	epp.13.6.117771	NUM
ajbmeb-3081	150	8	.	.	PUNCT
ajbmeb-3081	151	1	3	3	X
ajbmeb-3081	151	2	.	.	X
ajbmeb-3081	151	3	терещенко	терещенко	PROPN
ajbmeb-3081	151	4	в.с	в.с	PROPN
ajbmeb-3081	151	5	.	.	PROPN
ajbmeb-3081	151	6	,	,	PUNCT
ajbmeb-3081	151	7	шумакова	шумакова	VERB
ajbmeb-3081	151	8	о.д	о.д	PROPN
ajbmeb-3081	151	9	.	.	PROPN
ajbmeb-3081	151	10	трансформация	трансформация	PROPN
ajbmeb-3081	151	11	бизнес	бизнес	NOUN
ajbmeb-3081	151	12	-	-	PUNCT
ajbmeb-3081	151	13	моделей	моделей	NOUN
ajbmeb-3081	151	14	российских	российских	NOUN
ajbmeb-3081	151	15	банков	банков	PROPN
ajbmeb-3081	151	16	и	и	PROPN
ajbmeb-3081	151	17	направления	направления	ADJ
ajbmeb-3081	151	18	развития	развития	NOUN
ajbmeb-3081	151	19	их	их	PROPN
ajbmeb-3081	151	20	регулирования	регулирования	VERB
ajbmeb-3081	151	21	//	//	NUM
ajbmeb-3081	151	22	московский	московский	PROPN
ajbmeb-3081	151	23	экономический	экономический	PROPN
ajbmeb-3081	151	24	журнал	журнал	NOUN
ajbmeb-3081	151	25	.	.	PUNCT
ajbmeb-3081	152	1	2021	2021	NUM
ajbmeb-3081	152	2	.	.	PUNCT
ajbmeb-3081	153	1	№	№	ADJ
ajbmeb-3081	153	2	11	11	NUM
ajbmeb-3081	153	3	.	.	PUNCT
ajbmeb-3081	154	1	4	4	NUM
ajbmeb-3081	154	2	.	.	X
ajbmeb-3081	154	3	hand	hand	NOUN
ajbmeb-3081	154	4	,	,	PUNCT
ajbmeb-3081	154	5	d.j	d.j	PROPN
ajbmeb-3081	154	6	.	.	PROPN
ajbmeb-3081	154	7	analysis	analysis	NOUN
ajbmeb-3081	154	8	of	of	ADP
ajbmeb-3081	154	9	rejected	reject	VERB
ajbmeb-3081	154	10	applications	application	NOUN
ajbmeb-3081	154	11	in	in	ADP
ajbmeb-3081	154	12	credit	credit	NOUN
ajbmeb-3081	154	13	transactions	transaction	NOUN
ajbmeb-3081	154	14	:	:	PUNCT
ajbmeb-3081	154	15	theory	theory	NOUN
ajbmeb-3081	154	16	and	and	CCONJ
ajbmeb-3081	154	17	methods	method	NOUN
ajbmeb-3081	154	18	/	/	SYM
ajbmeb-3081	154	19	d.j	d.j	PROPN
ajbmeb-3081	154	20	.	.	PROPN
ajbmeb-3081	154	21	hand	hand	PROPN
ajbmeb-3081	154	22	//	//	SYM
ajbmeb-3081	154	23	handbook	handbook	NOUN
ajbmeb-3081	154	24	of	of	ADP
ajbmeb-3081	154	25	credit	credit	NOUN
ajbmeb-3081	154	26	scoring	scoring	NOUN
ajbmeb-3081	154	27	/	/	SYM
ajbmeb-3081	154	28	e.	e.	PROPN
ajbmeb-3081	154	29	maze	maze	PROPN
ajbmeb-3081	154	30	;	;	PUNCT
ajbmeb-3081	154	31	edited	edit	VERB
ajbmeb-3081	154	32	by	by	ADP
ajbmeb-3081	154	33	e.	e.	PROPN
ajbmeb-3081	154	34	maze	maze	PROPN
ajbmeb-3081	154	35	.	.	PUNCT
ajbmeb-3081	155	1	minsk	minsk	PROPN
ajbmeb-3081	155	2	,	,	PUNCT
ajbmeb-3081	155	3	2008	2008	NUM
ajbmeb-3081	155	4	.	.	PUNCT
ajbmeb-3081	156	1	ch	ch	NOUN
ajbmeb-3081	156	2	.	.	PROPN
ajbmeb-3081	156	3	11	11	NUM
ajbmeb-3081	156	4	.	.	PUNCT
ajbmeb-3081	157	1	p.	p.	NOUN
ajbmeb-3081	157	2	295	295	NUM
ajbmeb-3081	157	3	-	-	SYM
ajbmeb-3081	157	4	314	314	NUM
ajbmeb-3081	157	5	5	5	NUM
ajbmeb-3081	157	6	.	.	PUNCT
ajbmeb-3081	158	1	щербакова	щербакова	PROPN
ajbmeb-3081	158	2	н	н	NOUN
ajbmeb-3081	158	3	.	.	PUNCT
ajbmeb-3081	159	1	в	в	PROPN
ajbmeb-3081	159	2	.	.	PUNCT
ajbmeb-3081	159	3	цифровые	цифровые	PROPN
ajbmeb-3081	159	4	технологии	технологии	PROPN
ajbmeb-3081	159	5	в	в	PROPN
ajbmeb-3081	159	6	банковском	банковском	PROPN
ajbmeb-3081	159	7	секторе	секторе	NOUN
ajbmeb-3081	159	8	рф	рф	VERB
ajbmeb-3081	159	9	:	:	PUNCT
ajbmeb-3081	159	10	особенности	особенности	PROPN
ajbmeb-3081	159	11	и	и	PROPN
ajbmeb-3081	159	12	сопутствующие	сопутствующие	PROPN
ajbmeb-3081	159	13	угрозы	угрозы	PROPN
ajbmeb-3081	159	14	//	//	PROPN
ajbmeb-3081	159	15	вестник	вестник	ADP
ajbmeb-3081	159	16	кемеровского	кемеровского	NOUN
ajbmeb-3081	159	17	государственного	государственного	NOUN
ajbmeb-3081	159	18	университета	университета	NOUN
ajbmeb-3081	159	19	.	.	PUNCT
ajbmeb-3081	160	1	серия	серия	NOUN
ajbmeb-3081	160	2	:	:	PUNCT
ajbmeb-3081	160	3	политические	политические	PROPN
ajbmeb-3081	160	4	,	,	PUNCT
ajbmeb-3081	160	5	социологические	социологические	PROPN
ajbmeb-3081	160	6	и	и	PROPN
ajbmeb-3081	160	7	экономические	экономические	PROPN
ajbmeb-3081	160	8	науки	науки	NOUN
ajbmeb-3081	160	9	.	.	PUNCT
ajbmeb-3081	161	1	2021	2021	NUM
ajbmeb-3081	161	2	.	.	PUNCT
ajbmeb-3081	162	1	т	т	X
ajbmeb-3081	162	2	.	.	NOUN
ajbmeb-3081	162	3	6	6	NUM
ajbmeb-3081	162	4	.	.	PUNCT
ajbmeb-3081	162	5	№	№	ADJ
ajbmeb-3081	162	6	1	1	NUM
ajbmeb-3081	162	7	.	.	PUNCT
ajbmeb-3081	163	1	с	с	NOUN
ajbmeb-3081	163	2	.	.	PUNCT
ajbmeb-3081	164	1	136–146	136–146	NUM
ajbmeb-3081	164	2	.	.	PUNCT
ajbmeb-3081	164	3	doi	doi	PROPN
ajbmeb-3081	164	4	:	:	PUNCT
ajbmeb-3081	164	5	https://doi.org/10.21603/2500-3372-2021-6-1-136-146	https://doi.org/10.21603/2500-3372-2021-6-1-136-146	PROPN
ajbmeb-3081	164	6	.	.	PUNCT