id	sid	tid	token	lemma	pos
ajbmeb-3161	1	1	american	american	PROPN
ajbmeb-3161	1	2	journal	journal	PROPN
ajbmeb-3161	1	3	of	of	ADP
ajbmeb-3161	1	4	business	business	NOUN
ajbmeb-3161	1	5	management	management	NOUN
ajbmeb-3161	1	6	,	,	PUNCT
ajbmeb-3161	1	7	economics	economic	NOUN
ajbmeb-3161	1	8	and	and	CCONJ
ajbmeb-3161	1	9	banking	banking	NOUN
ajbmeb-3161	1	10	issn	issn	PROPN
ajbmeb-3161	1	11	(	(	PUNCT
ajbmeb-3161	1	12	e	e	NOUN
ajbmeb-3161	1	13	):	):	PUNCT
ajbmeb-3161	1	14	2832	2832	NUM
ajbmeb-3161	1	15	-	-	SYM
ajbmeb-3161	1	16	8078	8078	NUM
ajbmeb-3161	1	17	volume	volume	NOUN
ajbmeb-3161	1	18	42	42	NUM
ajbmeb-3161	1	19	,	,	PUNCT
ajbmeb-3161	1	20	november	november	PROPN
ajbmeb-3161	1	21	2025	2025	NUM
ajbmeb-3161	1	22	p	p	NOUN
ajbmeb-3161	1	23	a	a	DET
ajbmeb-3161	1	24	g	g	NOUN
ajbmeb-3161	1	25	e	e	NOUN
ajbmeb-3161	1	26	|	|	ADV
ajbmeb-3161	1	27	10	10	NUM
ajbmeb-3161	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3161	1	29	development	development	NOUN
ajbmeb-3161	1	30	trends	trend	NOUN
ajbmeb-3161	1	31	of	of	ADP
ajbmeb-3161	1	32	digital	digital	ADJ
ajbmeb-3161	1	33	economy	economy	NOUN
ajbmeb-3161	1	34	and	and	CCONJ
ajbmeb-3161	1	35	financial	financial	ADJ
ajbmeb-3161	1	36	inclusion	inclusion	NOUN
ajbmeb-3161	1	37	in	in	ADP
ajbmeb-3161	1	38	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	1	39	’s	’s	PART
ajbmeb-3161	1	40	banking	banking	NOUN
ajbmeb-3161	1	41	system	system	NOUN
ajbmeb-3161	1	42	erkinova	erkinova	PROPN
ajbmeb-3161	1	43	feruza	feruza	PROPN
ajbmeb-3161	1	44	najmitdinovna	najmitdinovna	PROPN
ajbmeb-3161	1	45	phd	phd	NOUN
ajbmeb-3161	1	46	,	,	PUNCT
ajbmeb-3161	1	47	banking	banking	NOUN
ajbmeb-3161	1	48	and	and	CCONJ
ajbmeb-3161	1	49	finance	finance	PROPN
ajbmeb-3161	1	50	academy	academy	NOUN
ajbmeb-3161	1	51	e	e	NOUN
ajbmeb-3161	1	52	-	-	NOUN
ajbmeb-3161	1	53	mail	mail	NOUN
ajbmeb-3161	1	54	:	:	PUNCT
ajbmeb-3161	1	55	feruzaxon2025@mail.ru	feruzaxon2025@mail.ru	X
ajbmeb-3161	1	56	a	a	DET
ajbmeb-3161	1	57	b	b	PROPN
ajbmeb-3161	1	58	s	s	ADP
ajbmeb-3161	1	59	t	t	PROPN
ajbmeb-3161	1	60	r	r	NOUN
ajbmeb-3161	1	61	a	a	DET
ajbmeb-3161	1	62	c	c	NOUN
ajbmeb-3161	1	63	t	t	NOUN
ajbmeb-3161	1	64	k	k	X
ajbmeb-3161	1	65	e	e	PROPN
ajbmeb-3161	1	66	y	y	PROPN
ajbmeb-3161	1	67	w	w	NOUN
ajbmeb-3161	2	1	o	o	NOUN
ajbmeb-3161	2	2	r	r	NOUN
ajbmeb-3161	2	3	d	d	X
ajbmeb-3161	2	4	s	s	AUX
ajbmeb-3161	2	5	the	the	DET
ajbmeb-3161	2	6	article	article	NOUN
ajbmeb-3161	2	7	analyzes	analyze	VERB
ajbmeb-3161	2	8	the	the	DET
ajbmeb-3161	2	9	development	development	NOUN
ajbmeb-3161	2	10	trends	trend	NOUN
ajbmeb-3161	2	11	of	of	ADP
ajbmeb-3161	2	12	digital	digital	ADJ
ajbmeb-3161	2	13	economy	economy	NOUN
ajbmeb-3161	2	14	and	and	CCONJ
ajbmeb-3161	2	15	financial	financial	ADJ
ajbmeb-3161	2	16	inclusion	inclusion	NOUN
ajbmeb-3161	2	17	in	in	ADP
ajbmeb-3161	2	18	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	2	19	’s	’s	PART
ajbmeb-3161	2	20	banking	banking	NOUN
ajbmeb-3161	2	21	system	system	NOUN
ajbmeb-3161	2	22	from	from	ADP
ajbmeb-3161	2	23	2020	2020	NUM
ajbmeb-3161	2	24	to	to	ADP
ajbmeb-3161	2	25	2025	2025	NUM
ajbmeb-3161	2	26	.	.	PUNCT
ajbmeb-3161	3	1	using	use	VERB
ajbmeb-3161	3	2	statistical	statistical	ADJ
ajbmeb-3161	3	3	,	,	PUNCT
ajbmeb-3161	3	4	comparative	comparative	ADJ
ajbmeb-3161	3	5	,	,	PUNCT
ajbmeb-3161	3	6	and	and	CCONJ
ajbmeb-3161	3	7	swod	swod	VERB
ajbmeb-3161	3	8	analysis	analysis	NOUN
ajbmeb-3161	3	9	,	,	PUNCT
ajbmeb-3161	3	10	the	the	DET
ajbmeb-3161	3	11	study	study	NOUN
ajbmeb-3161	3	12	demonstrates	demonstrate	VERB
ajbmeb-3161	3	13	the	the	DET
ajbmeb-3161	3	14	growth	growth	NOUN
ajbmeb-3161	3	15	of	of	ADP
ajbmeb-3161	3	16	digital	digital	ADJ
ajbmeb-3161	3	17	services	service	NOUN
ajbmeb-3161	3	18	,	,	PUNCT
ajbmeb-3161	3	19	mobile	mobile	ADJ
ajbmeb-3161	3	20	payments	payment	NOUN
ajbmeb-3161	3	21	,	,	PUNCT
ajbmeb-3161	3	22	online	online	ADJ
ajbmeb-3161	3	23	banking	banking	NOUN
ajbmeb-3161	3	24	,	,	PUNCT
ajbmeb-3161	3	25	and	and	CCONJ
ajbmeb-3161	3	26	financial	financial	ADJ
ajbmeb-3161	3	27	literacy	literacy	NOUN
ajbmeb-3161	3	28	programs	program	NOUN
ajbmeb-3161	3	29	.	.	PUNCT
ajbmeb-3161	4	1	the	the	DET
ajbmeb-3161	4	2	social	social	ADJ
ajbmeb-3161	4	3	impact	impact	NOUN
ajbmeb-3161	4	4	of	of	ADP
ajbmeb-3161	4	5	digital	digital	ADJ
ajbmeb-3161	4	6	finance	finance	NOUN
ajbmeb-3161	4	7	,	,	PUNCT
ajbmeb-3161	4	8	including	include	VERB
ajbmeb-3161	4	9	access	access	NOUN
ajbmeb-3161	4	10	to	to	ADP
ajbmeb-3161	4	11	banking	banking	NOUN
ajbmeb-3161	4	12	services	service	NOUN
ajbmeb-3161	4	13	for	for	ADP
ajbmeb-3161	4	14	rural	rural	ADJ
ajbmeb-3161	4	15	populations	population	NOUN
ajbmeb-3161	4	16	,	,	PUNCT
ajbmeb-3161	4	17	women	woman	NOUN
ajbmeb-3161	4	18	,	,	PUNCT
ajbmeb-3161	4	19	and	and	CCONJ
ajbmeb-3161	4	20	youth	youth	NOUN
ajbmeb-3161	4	21	,	,	PUNCT
ajbmeb-3161	4	22	is	be	AUX
ajbmeb-3161	4	23	also	also	ADV
ajbmeb-3161	4	24	discussed	discuss	VERB
ajbmeb-3161	4	25	.	.	PUNCT
ajbmeb-3161	5	1	the	the	DET
ajbmeb-3161	5	2	article	article	NOUN
ajbmeb-3161	5	3	provides	provide	VERB
ajbmeb-3161	5	4	recommendations	recommendation	NOUN
ajbmeb-3161	5	5	for	for	ADP
ajbmeb-3161	5	6	adopting	adopt	VERB
ajbmeb-3161	5	7	reg	reg	NOUN
ajbmeb-3161	5	8	tech	tech	NOUN
ajbmeb-3161	5	9	and	and	CCONJ
ajbmeb-3161	5	10	ai	ai	PROPN
ajbmeb-3161	5	11	technologies	technology	NOUN
ajbmeb-3161	5	12	,	,	PUNCT
ajbmeb-3161	5	13	improving	improve	VERB
ajbmeb-3161	5	14	financial	financial	ADJ
ajbmeb-3161	5	15	literacy	literacy	NOUN
ajbmeb-3161	5	16	,	,	PUNCT
ajbmeb-3161	5	17	and	and	CCONJ
ajbmeb-3161	5	18	enhancing	enhance	VERB
ajbmeb-3161	5	19	cybersecurity	cybersecurity	NOUN
ajbmeb-3161	5	20	.	.	PUNCT
ajbmeb-3161	6	1	digital	digital	ADJ
ajbmeb-3161	6	2	economy	economy	NOUN
ajbmeb-3161	6	3	,	,	PUNCT
ajbmeb-3161	6	4	financial	financial	ADJ
ajbmeb-3161	6	5	inclusion	inclusion	NOUN
ajbmeb-3161	6	6	,	,	PUNCT
ajbmeb-3161	6	7	banking	banking	NOUN
ajbmeb-3161	6	8	system	system	NOUN
ajbmeb-3161	6	9	,	,	PUNCT
ajbmeb-3161	6	10	mobile	mobile	ADJ
ajbmeb-3161	6	11	banking	banking	NOUN
ajbmeb-3161	6	12	,	,	PUNCT
ajbmeb-3161	6	13	online	online	ADJ
ajbmeb-3161	6	14	banking	banking	NOUN
ajbmeb-3161	6	15	,	,	PUNCT
ajbmeb-3161	6	16	reg	reg	NOUN
ajbmeb-3161	6	17	tech	tech	NOUN
ajbmeb-3161	6	18	,	,	PUNCT
ajbmeb-3161	6	19	cybersecurity	cybersecurity	NOUN
ajbmeb-3161	6	20	.	.	PUNCT
ajbmeb-3161	7	1	introduction	introduction	NOUN
ajbmeb-3161	7	2	in	in	ADP
ajbmeb-3161	7	3	recent	recent	ADJ
ajbmeb-3161	7	4	years	year	NOUN
ajbmeb-3161	7	5	,	,	PUNCT
ajbmeb-3161	7	6	the	the	DET
ajbmeb-3161	7	7	gradual	gradual	ADJ
ajbmeb-3161	7	8	implementation	implementation	NOUN
ajbmeb-3161	7	9	of	of	ADP
ajbmeb-3161	7	10	the	the	DET
ajbmeb-3161	7	11	digital	digital	ADJ
ajbmeb-3161	7	12	economy	economy	NOUN
ajbmeb-3161	7	13	concept	concept	NOUN
ajbmeb-3161	7	14	in	in	ADP
ajbmeb-3161	7	15	the	the	DET
ajbmeb-3161	7	16	republic	republic	NOUN
ajbmeb-3161	7	17	of	of	ADP
ajbmeb-3161	7	18	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	7	19	has	have	AUX
ajbmeb-3161	7	20	created	create	VERB
ajbmeb-3161	7	21	new	new	ADJ
ajbmeb-3161	7	22	opportunities	opportunity	NOUN
ajbmeb-3161	7	23	for	for	ADP
ajbmeb-3161	7	24	the	the	DET
ajbmeb-3161	7	25	transformation	transformation	NOUN
ajbmeb-3161	7	26	of	of	ADP
ajbmeb-3161	7	27	the	the	DET
ajbmeb-3161	7	28	financial	financial	ADJ
ajbmeb-3161	7	29	sector	sector	NOUN
ajbmeb-3161	7	30	,	,	PUNCT
ajbmeb-3161	7	31	particularly	particularly	ADV
ajbmeb-3161	7	32	the	the	DET
ajbmeb-3161	7	33	banking	banking	NOUN
ajbmeb-3161	7	34	system	system	NOUN
ajbmeb-3161	7	35	.	.	PUNCT
ajbmeb-3161	8	1	the	the	DET
ajbmeb-3161	8	2	expansion	expansion	NOUN
ajbmeb-3161	8	3	of	of	ADP
ajbmeb-3161	8	4	digital	digital	ADJ
ajbmeb-3161	8	5	financial	financial	ADJ
ajbmeb-3161	8	6	service	service	NOUN
ajbmeb-3161	8	7	infrastructure	infrastructure	NOUN
ajbmeb-3161	8	8	and	and	CCONJ
ajbmeb-3161	8	9	the	the	DET
ajbmeb-3161	8	10	development	development	NOUN
ajbmeb-3161	8	11	of	of	ADP
ajbmeb-3161	8	12	areas	area	NOUN
ajbmeb-3161	8	13	such	such	ADJ
ajbmeb-3161	8	14	as	as	ADP
ajbmeb-3161	8	15	open	open	ADJ
ajbmeb-3161	8	16	banking	banking	NOUN
ajbmeb-3161	8	17	,	,	PUNCT
ajbmeb-3161	8	18	fin	fin	NOUN
ajbmeb-3161	8	19	tech	tech	NOUN
ajbmeb-3161	8	20	play	play	VERB
ajbmeb-3161	8	21	an	an	DET
ajbmeb-3161	8	22	important	important	ADJ
ajbmeb-3161	8	23	role	role	NOUN
ajbmeb-3161	8	24	in	in	ADP
ajbmeb-3161	8	25	strengthening	strengthen	VERB
ajbmeb-3161	8	26	the	the	DET
ajbmeb-3161	8	27	stability	stability	NOUN
ajbmeb-3161	8	28	of	of	ADP
ajbmeb-3161	8	29	the	the	DET
ajbmeb-3161	8	30	national	national	ADJ
ajbmeb-3161	8	31	economic	economic	ADJ
ajbmeb-3161	8	32	system	system	NOUN
ajbmeb-3161	8	33	.	.	PUNCT
ajbmeb-3161	9	1	at	at	ADP
ajbmeb-3161	9	2	the	the	DET
ajbmeb-3161	9	3	core	core	NOUN
ajbmeb-3161	9	4	of	of	ADP
ajbmeb-3161	9	5	the	the	DET
ajbmeb-3161	9	6	digital	digital	ADJ
ajbmeb-3161	9	7	economy	economy	NOUN
ajbmeb-3161	9	8	lie	lie	VERB
ajbmeb-3161	9	9	human	human	ADJ
ajbmeb-3161	9	10	capital	capital	NOUN
ajbmeb-3161	9	11	,	,	PUNCT
ajbmeb-3161	9	12	data	datum	NOUN
ajbmeb-3161	9	13	,	,	PUNCT
ajbmeb-3161	9	14	and	and	CCONJ
ajbmeb-3161	9	15	innovative	innovative	ADJ
ajbmeb-3161	9	16	technologies	technology	NOUN
ajbmeb-3161	9	17	,	,	PUNCT
ajbmeb-3161	9	18	while	while	SCONJ
ajbmeb-3161	9	19	the	the	DET
ajbmeb-3161	9	20	banking	banking	NOUN
ajbmeb-3161	9	21	system	system	NOUN
ajbmeb-3161	9	22	serves	serve	VERB
ajbmeb-3161	9	23	as	as	ADP
ajbmeb-3161	9	24	a	a	DET
ajbmeb-3161	9	25	key	key	ADJ
ajbmeb-3161	9	26	driver	driver	NOUN
ajbmeb-3161	9	27	of	of	ADP
ajbmeb-3161	9	28	these	these	DET
ajbmeb-3161	9	29	processes	process	NOUN
ajbmeb-3161	9	30	.	.	PUNCT
ajbmeb-3161	10	1	according	accord	VERB
ajbmeb-3161	10	2	to	to	ADP
ajbmeb-3161	10	3	data	datum	NOUN
ajbmeb-3161	10	4	from	from	ADP
ajbmeb-3161	10	5	the	the	DET
ajbmeb-3161	10	6	central	central	ADJ
ajbmeb-3161	10	7	bank	bank	NOUN
ajbmeb-3161	10	8	of	of	ADP
ajbmeb-3161	10	9	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	10	10	,	,	PUNCT
ajbmeb-3161	10	11	as	as	ADP
ajbmeb-3161	10	12	of	of	ADP
ajbmeb-3161	10	13	2025	2025	NUM
ajbmeb-3161	10	14	,	,	PUNCT
ajbmeb-3161	10	15	87	87	NUM
ajbmeb-3161	10	16	%	%	NOUN
ajbmeb-3161	10	17	of	of	ADP
ajbmeb-3161	10	18	active	active	ADJ
ajbmeb-3161	10	19	banking	banking	NOUN
ajbmeb-3161	10	20	clients	client	NOUN
ajbmeb-3161	10	21	use	use	VERB
ajbmeb-3161	10	22	digital	digital	ADJ
ajbmeb-3161	10	23	services	service	NOUN
ajbmeb-3161	10	24	an	an	DET
ajbmeb-3161	10	25	increase	increase	NOUN
ajbmeb-3161	10	26	of	of	ADP
ajbmeb-3161	10	27	2.4	2.4	NUM
ajbmeb-3161	10	28	times	time	NOUN
ajbmeb-3161	10	29	compared	compare	VERB
ajbmeb-3161	10	30	to	to	ADP
ajbmeb-3161	10	31	2020.alongside	2020.alongside	ADV
ajbmeb-3161	10	32	the	the	DET
ajbmeb-3161	10	33	development	development	NOUN
ajbmeb-3161	10	34	of	of	ADP
ajbmeb-3161	10	35	the	the	DET
ajbmeb-3161	10	36	digital	digital	ADJ
ajbmeb-3161	10	37	economy	economy	NOUN
ajbmeb-3161	10	38	,	,	PUNCT
ajbmeb-3161	10	39	issues	issue	NOUN
ajbmeb-3161	10	40	of	of	ADP
ajbmeb-3161	10	41	financial	financial	ADJ
ajbmeb-3161	10	42	inclusion	inclusion	NOUN
ajbmeb-3161	10	43	have	have	AUX
ajbmeb-3161	10	44	become	become	VERB
ajbmeb-3161	10	45	increasingly	increasingly	ADV
ajbmeb-3161	10	46	relevant	relevant	ADJ
ajbmeb-3161	10	47	.	.	PUNCT
ajbmeb-3161	11	1	the	the	DET
ajbmeb-3161	11	2	term	term	NOUN
ajbmeb-3161	11	3	“	"	PUNCT
ajbmeb-3161	11	4	digital	digital	ADJ
ajbmeb-3161	11	5	economy	economy	NOUN
ajbmeb-3161	11	6	«	«	PUNCT
ajbmeb-3161	11	7	refers	refer	VERB
ajbmeb-3161	11	8	to	to	ADP
ajbmeb-3161	11	9	enhancing	enhance	VERB
ajbmeb-3161	11	10	economic	economic	ADJ
ajbmeb-3161	11	11	efficiency	efficiency	NOUN
ajbmeb-3161	11	12	through	through	ADP
ajbmeb-3161	11	13	technological	technological	ADJ
ajbmeb-3161	11	14	innovation	innovation	NOUN
ajbmeb-3161	11	15	,	,	PUNCT
ajbmeb-3161	11	16	while	while	SCONJ
ajbmeb-3161	11	17	“	"	PUNCT
ajbmeb-3161	11	18	financial	financial	ADJ
ajbmeb-3161	11	19	inclusion	inclusion	NOUN
ajbmeb-3161	11	20	”	"	PUNCT
ajbmeb-3161	11	21	means	mean	VERB
ajbmeb-3161	11	22	expanding	expand	VERB
ajbmeb-3161	11	23	access	access	NOUN
ajbmeb-3161	11	24	to	to	ADP
ajbmeb-3161	11	25	financial	financial	ADJ
ajbmeb-3161	11	26	services	service	NOUN
ajbmeb-3161	11	27	for	for	ADP
ajbmeb-3161	11	28	individuals	individual	NOUN
ajbmeb-3161	11	29	and	and	CCONJ
ajbmeb-3161	11	30	businesses	business	NOUN
ajbmeb-3161	11	31	.	.	PUNCT
ajbmeb-3161	12	1	over	over	ADP
ajbmeb-3161	12	2	the	the	DET
ajbmeb-3161	12	3	past	past	ADJ
ajbmeb-3161	12	4	few	few	ADJ
ajbmeb-3161	12	5	years	year	NOUN
ajbmeb-3161	12	6	,	,	PUNCT
ajbmeb-3161	12	7	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	12	8	’s	’s	PART
ajbmeb-3161	12	9	banking	banking	NOUN
ajbmeb-3161	12	10	system	system	NOUN
ajbmeb-3161	12	11	has	have	AUX
ajbmeb-3161	12	12	carried	carry	VERB
ajbmeb-3161	12	13	out	out	ADP
ajbmeb-3161	12	14	a	a	DET
ajbmeb-3161	12	15	series	series	NOUN
ajbmeb-3161	12	16	of	of	ADP
ajbmeb-3161	12	17	reforms	reform	NOUN
ajbmeb-3161	12	18	aimed	aim	VERB
ajbmeb-3161	12	19	at	at	ADP
ajbmeb-3161	12	20	expanding	expand	VERB
ajbmeb-3161	12	21	digital	digital	ADJ
ajbmeb-3161	12	22	services	service	NOUN
ajbmeb-3161	12	23	improving	improve	VERB
ajbmeb-3161	12	24	financial	financial	ADJ
ajbmeb-3161	12	25	inclusion	inclusion	NOUN
ajbmeb-3161	12	26	in	in	ADP
ajbmeb-3161	12	27	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	12	28	’s	’s	PART
ajbmeb-3161	12	29	banking	banking	NOUN
ajbmeb-3161	12	30	system	system	NOUN
ajbmeb-3161	12	31	in	in	ADP
ajbmeb-3161	12	32	2025	2025	NUM
ajbmeb-3161	12	33	.	.	PUNCT
ajbmeb-3161	13	1	american	american	ADJ
ajbmeb-3161	13	2	journal	journal	PROPN
ajbmeb-3161	13	3	of	of	ADP
ajbmeb-3161	13	4	business	business	NOUN
ajbmeb-3161	13	5	management	management	NOUN
ajbmeb-3161	13	6	,	,	PUNCT
ajbmeb-3161	13	7	economics	economic	NOUN
ajbmeb-3161	13	8	and	and	CCONJ
ajbmeb-3161	13	9	banking	banking	NOUN
ajbmeb-3161	13	10	volume	volume	NOUN
ajbmeb-3161	13	11	42	42	NUM
ajbmeb-3161	14	1	november2025	november2025	PROPN
ajbmeb-3161	14	2	p	p	NOUN
ajbmeb-3161	14	3	a	a	DET
ajbmeb-3161	14	4	g	g	NOUN
ajbmeb-3161	14	5	e	e	NOUN
ajbmeb-3161	14	6	|	|	ADV
ajbmeb-3161	14	7	11	11	NUM
ajbmeb-3161	14	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3161	14	9	table	table	NOUN
ajbmeb-3161	14	10	1	1	NUM
ajbmeb-3161	14	11	analysis	analysis	NOUN
ajbmeb-3161	14	12	of	of	ADP
ajbmeb-3161	14	13	digital	digital	ADJ
ajbmeb-3161	14	14	banking	banking	NOUN
ajbmeb-3161	14	15	service	service	NOUN
ajbmeb-3161	14	16	development	development	NOUN
ajbmeb-3161	14	17	type	type	NOUN
ajbmeb-3161	14	18	of	of	ADP
ajbmeb-3161	14	19	banking	banking	NOUN
ajbmeb-3161	14	20	service	service	NOUN
ajbmeb-3161	14	21	2022	2022	NUM
ajbmeb-3161	14	22	2025	2025	NUM
ajbmeb-3161	14	23	mobile	mobile	ADJ
ajbmeb-3161	14	24	and	and	CCONJ
ajbmeb-3161	14	25	internet	internet	NOUN
ajbmeb-3161	14	26	banking	banking	NOUN
ajbmeb-3161	14	27	4	4	NUM
ajbmeb-3161	14	28	million	million	NUM
ajbmeb-3161	14	29	users	user	NOUN
ajbmeb-3161	14	30	8	8	NUM
ajbmeb-3161	14	31	million	million	NUM
ajbmeb-3161	14	32	users	user	NOUN
ajbmeb-3161	14	33	electronic	electronic	ADJ
ajbmeb-3161	14	34	payment	payment	NOUN
ajbmeb-3161	14	35	systems	system	NOUN
ajbmeb-3161	14	36	pay	pay	VERB
ajbmeb-3161	14	37	me	i	PRON
ajbmeb-3161	14	38	,	,	PUNCT
ajbmeb-3161	14	39	click	click	VERB
ajbmeb-3161	14	40	,	,	PUNCT
ajbmeb-3161	14	41	upay	upay	NOUN
ajbmeb-3161	14	42	uzum	uzum	NOUN
ajbmeb-3161	14	43	,	,	PUNCT
ajbmeb-3161	14	44	wireless	wireless	ADJ
ajbmeb-3161	14	45	terminals	terminal	NOUN
ajbmeb-3161	14	46	,	,	PUNCT
ajbmeb-3161	14	47	internal	internal	ADJ
ajbmeb-3161	14	48	banking	banking	NOUN
ajbmeb-3161	14	49	apps	app	NOUN
ajbmeb-3161	14	50	and	and	CCONJ
ajbmeb-3161	14	51	system	system	NOUN
ajbmeb-3161	14	52	integrations	integration	NOUN
ajbmeb-3161	14	53	fintech	fintech	NOUN
ajbmeb-3161	14	54	integration	integration	NOUN
ajbmeb-3161	14	55	cooperation	cooperation	NOUN
ajbmeb-3161	14	56	between	between	ADP
ajbmeb-3161	14	57	startups	startup	NOUN
ajbmeb-3161	14	58	and	and	CCONJ
ajbmeb-3161	14	59	banks	bank	NOUN
ajbmeb-3161	14	60	for	for	ADP
ajbmeb-3161	14	61	innovative	innovative	ADJ
ajbmeb-3161	14	62	services	service	NOUN
ajbmeb-3161	14	63	ai	ai	VERB
ajbmeb-3161	14	64	-	-	PUNCT
ajbmeb-3161	14	65	based	base	VERB
ajbmeb-3161	14	66	credit	credit	NOUN
ajbmeb-3161	14	67	scoring	scoring	NOUN
ajbmeb-3161	14	68	algorithms	algorithm	NOUN
ajbmeb-3161	14	69	and	and	CCONJ
ajbmeb-3161	14	70	digital	digital	ADJ
ajbmeb-3161	14	71	identification	identification	NOUN
ajbmeb-3161	14	72	services	service	NOUN
ajbmeb-3161	14	73	in	in	ADP
ajbmeb-3161	14	74	2025	2025	NUM
ajbmeb-3161	14	75	,	,	PUNCT
ajbmeb-3161	14	76	the	the	DET
ajbmeb-3161	14	77	following	follow	VERB
ajbmeb-3161	14	78	digital	digital	ADJ
ajbmeb-3161	14	79	services	service	NOUN
ajbmeb-3161	14	80	have	have	AUX
ajbmeb-3161	14	81	been	be	AUX
ajbmeb-3161	14	82	actively	actively	ADV
ajbmeb-3161	14	83	developing	develop	VERB
ajbmeb-3161	14	84	within	within	ADP
ajbmeb-3161	14	85	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	14	86	’s	’s	PART
ajbmeb-3161	14	87	banking	banking	NOUN
ajbmeb-3161	14	88	system	system	NOUN
ajbmeb-3161	14	89	:	:	PUNCT
ajbmeb-3161	14	90	banks	bank	NOUN
ajbmeb-3161	14	91	i	i	PRON
ajbmeb-3161	14	92	m	m	VERB
ajbmeb-3161	14	93	to	to	PART
ajbmeb-3161	14	94	reduce	reduce	VERB
ajbmeb-3161	14	95	costs	cost	NOUN
ajbmeb-3161	14	96	and	and	CCONJ
ajbmeb-3161	14	97	enhance	enhance	VERB
ajbmeb-3161	14	98	customer	customer	NOUN
ajbmeb-3161	14	99	convenience	convenience	NOUN
ajbmeb-3161	14	100	through	through	ADP
ajbmeb-3161	14	101	.	.	PUNCT
ajbmeb-3161	15	1	expansion	expansion	NOUN
ajbmeb-3161	15	2	of	of	ADP
ajbmeb-3161	15	3	digital	digital	ADJ
ajbmeb-3161	15	4	services	service	NOUN
ajbmeb-3161	15	5	.	.	PUNCT
ajbmeb-3161	16	1	financial	financial	ADJ
ajbmeb-3161	16	2	inclusion	inclusion	NOUN
ajbmeb-3161	16	3	trends	trend	NOUN
ajbmeb-3161	16	4	the	the	DET
ajbmeb-3161	16	5	level	level	NOUN
ajbmeb-3161	16	6	of	of	ADP
ajbmeb-3161	16	7	financial	financial	ADJ
ajbmeb-3161	16	8	inclusion	inclusion	NOUN
ajbmeb-3161	16	9	in	in	ADP
ajbmeb-3161	16	10	2025	2025	NUM
ajbmeb-3161	16	11	is	be	AUX
ajbmeb-3161	16	12	characterized	characterize	VERB
ajbmeb-3161	16	13	by	by	ADP
ajbmeb-3161	16	14	the	the	DET
ajbmeb-3161	16	15	following	follow	VERB
ajbmeb-3161	16	16	features	feature	NOUN
ajbmeb-3161	16	17	:	:	PUNCT
ajbmeb-3161	16	18	assess	assess	VERB
ajbmeb-3161	16	19	to	to	ADP
ajbmeb-3161	16	20	financial	financial	ADJ
ajbmeb-3161	16	21	services	service	NOUN
ajbmeb-3161	16	22	:	:	PUNCT
ajbmeb-3161	16	23	while	while	SCONJ
ajbmeb-3161	16	24	35	35	NUM
ajbmeb-3161	16	25	%	%	NOUN
ajbmeb-3161	16	26	of	of	ADP
ajbmeb-3161	16	27	the	the	DET
ajbmeb-3161	16	28	population	population	NOUN
ajbmeb-3161	16	29	actively	actively	ADV
ajbmeb-3161	16	30	used	use	VERB
ajbmeb-3161	16	31	financial	financial	ADJ
ajbmeb-3161	16	32	services	service	NOUN
ajbmeb-3161	16	33	in	in	ADP
ajbmeb-3161	16	34	2022	2022	NUM
ajbmeb-3161	16	35	,	,	PUNCT
ajbmeb-3161	16	36	this	this	DET
ajbmeb-3161	16	37	figure	figure	NOUN
ajbmeb-3161	16	38	is	be	AUX
ajbmeb-3161	16	39	expected	expect	VERB
ajbmeb-3161	16	40	to	to	PART
ajbmeb-3161	16	41	reach	reach	VERB
ajbmeb-3161	16	42	55	55	NUM
ajbmeb-3161	16	43	-	-	SYM
ajbmeb-3161	16	44	60	60	NUM
ajbmeb-3161	16	45	%	%	NOUN
ajbmeb-3161	16	46	in	in	ADP
ajbmeb-3161	16	47	2025	2025	NUM
ajbmeb-3161	16	48	.	.	PUNCT
ajbmeb-3161	17	1	urban	urban	ADJ
ajbmeb-3161	17	2	-	-	PUNCT
ajbmeb-3161	17	3	rural	rural	ADJ
ajbmeb-3161	17	4	gap	gap	NOUN
ajbmeb-3161	17	5	:	:	PUNCT
ajbmeb-3161	17	6	mobile	mobile	ADJ
ajbmeb-3161	17	7	banking	banking	NOUN
ajbmeb-3161	17	8	and	and	CCONJ
ajbmeb-3161	17	9	agent	agent	NOUN
ajbmeb-3161	17	10	banking	banking	NOUN
ajbmeb-3161	17	11	services	service	NOUN
ajbmeb-3161	17	12	are	be	AUX
ajbmeb-3161	17	13	being	be	AUX
ajbmeb-3161	17	14	introduced	introduce	VERB
ajbmeb-3161	17	15	to	to	PART
ajbmeb-3161	17	16	improve	improve	VERB
ajbmeb-3161	17	17	access	access	NOUN
ajbmeb-3161	17	18	in	in	ADP
ajbmeb-3161	17	19	rural	rural	ADJ
ajbmeb-3161	17	20	areas	area	NOUN
ajbmeb-3161	17	21	.	.	PUNCT
ajbmeb-3161	18	1	woman	woman	NOUN
ajbmeb-3161	18	2	and	and	CCONJ
ajbmeb-3161	18	3	youth	youth	NOUN
ajbmeb-3161	18	4	segments	segment	NOUN
ajbmeb-3161	18	5	:	:	PUNCT
ajbmeb-3161	18	6	financial	financial	ADJ
ajbmeb-3161	18	7	inclusion	inclusion	NOUN
ajbmeb-3161	18	8	programs	program	NOUN
ajbmeb-3161	18	9	are	be	AUX
ajbmeb-3161	18	10	expanding	expand	VERB
ajbmeb-3161	18	11	among	among	ADP
ajbmeb-3161	18	12	women	woman	NOUN
ajbmeb-3161	18	13	and	and	CCONJ
ajbmeb-3161	18	14	young	young	ADJ
ajbmeb-3161	18	15	people	people	NOUN
ajbmeb-3161	18	16	aged	age	VERB
ajbmeb-3161	18	17	18	18	NUM
ajbmeb-3161	18	18	-	-	SYM
ajbmeb-3161	18	19	30	30	NUM
ajbmeb-3161	18	20	,	,	PUNCT
ajbmeb-3161	18	21	particularly	particularly	ADV
ajbmeb-3161	18	22	through	through	ADP
ajbmeb-3161	18	23	online	online	ADJ
ajbmeb-3161	18	24	microloans	microloan	NOUN
ajbmeb-3161	18	25	and	and	CCONJ
ajbmeb-3161	18	26	savings	saving	NOUN
ajbmeb-3161	18	27	services	service	NOUN
ajbmeb-3161	18	28	.	.	PUNCT
ajbmeb-3161	19	1	global	global	ADJ
ajbmeb-3161	19	2	context	context	NOUN
ajbmeb-3161	19	3	:	:	PUNCT
ajbmeb-3161	19	4	worldwide	worldwide	ADV
ajbmeb-3161	19	5	,	,	PUNCT
ajbmeb-3161	19	6	significant	significant	ADJ
ajbmeb-3161	19	7	progress	progress	NOUN
ajbmeb-3161	19	8	has	have	AUX
ajbmeb-3161	19	9	been	be	AUX
ajbmeb-3161	19	10	achieved	achieve	VERB
ajbmeb-3161	19	11	in	in	ADP
ajbmeb-3161	19	12	expanding	expand	VERB
ajbmeb-3161	19	13	formal	formal	ADJ
ajbmeb-3161	19	14	financial	financial	ADJ
ajbmeb-3161	19	15	assess	assess	NOUN
ajbmeb-3161	19	16	,	,	PUNCT
ajbmeb-3161	19	17	with	with	ADP
ajbmeb-3161	19	18	digital	digital	ADJ
ajbmeb-3161	19	19	technologies	technology	NOUN
ajbmeb-3161	19	20	accelerating	accelerate	VERB
ajbmeb-3161	19	21	this	this	DET
ajbmeb-3161	19	22	process	process	NOUN
ajbmeb-3161	19	23	.	.	PUNCT
ajbmeb-3161	20	1	beyond	beyond	ADP
ajbmeb-3161	20	2	account	account	NOUN
ajbmeb-3161	20	3	ownership	ownership	NOUN
ajbmeb-3161	20	4	:	:	PUNCT
ajbmeb-3161	20	5	true	true	ADJ
ajbmeb-3161	20	6	inclusion	inclusion	NOUN
ajbmeb-3161	20	7	involves	involve	VERB
ajbmeb-3161	20	8	the	the	DET
ajbmeb-3161	20	9	active	active	ADJ
ajbmeb-3161	20	10	and	and	CCONJ
ajbmeb-3161	20	11	purposeful	purposeful	ADJ
ajbmeb-3161	20	12	use	use	NOUN
ajbmeb-3161	20	13	of	of	ADP
ajbmeb-3161	20	14	financial	financial	ADJ
ajbmeb-3161	20	15	services	service	NOUN
ajbmeb-3161	20	16	(	(	PUNCT
ajbmeb-3161	20	17	savings	saving	NOUN
ajbmeb-3161	20	18	,	,	PUNCT
ajbmeb-3161	20	19	loans	loan	NOUN
ajbmeb-3161	20	20	,	,	PUNCT
ajbmeb-3161	20	21	payments	payment	NOUN
ajbmeb-3161	20	22	)	)	PUNCT
ajbmeb-3161	20	23	that	that	PRON
ajbmeb-3161	20	24	contribute	contribute	VERB
ajbmeb-3161	20	25	to	to	ADP
ajbmeb-3161	20	26	financial	financial	ADJ
ajbmeb-3161	20	27	stability	stability	NOUN
ajbmeb-3161	20	28	.	.	PUNCT
ajbmeb-3161	21	1	challenges	challenge	NOUN
ajbmeb-3161	21	2	:	:	PUNCT
ajbmeb-3161	21	3	security	security	NOUN
ajbmeb-3161	21	4	concerns	concern	NOUN
ajbmeb-3161	21	5	,	,	PUNCT
ajbmeb-3161	21	6	personal	personal	ADJ
ajbmeb-3161	21	7	data	datum	NOUN
ajbmeb-3161	21	8	protection	protection	NOUN
ajbmeb-3161	21	9	,	,	PUNCT
ajbmeb-3161	21	10	and	and	CCONJ
ajbmeb-3161	21	11	low	low	ADJ
ajbmeb-3161	21	12	levels	level	NOUN
ajbmeb-3161	21	13	of	of	ADP
ajbmeb-3161	21	14	digital	digital	ADJ
ajbmeb-3161	21	15	literacy	literacy	NOUN
ajbmeb-3161	21	16	still	still	ADV
ajbmeb-3161	21	17	pose	pose	VERB
ajbmeb-3161	21	18	obstacles	obstacle	NOUN
ajbmeb-3161	21	19	.	.	PUNCT
ajbmeb-3161	22	1	policy	policy	NOUN
ajbmeb-3161	22	2	importance	importance	NOUN
ajbmeb-3161	22	3	:	:	PUNCT
ajbmeb-3161	22	4	effective	effective	ADJ
ajbmeb-3161	22	5	action	action	NOUN
ajbmeb-3161	22	6	requires	require	VERB
ajbmeb-3161	22	7	comprehensive	comprehensive	ADJ
ajbmeb-3161	22	8	measures	measure	NOUN
ajbmeb-3161	22	9	involving	involve	VERB
ajbmeb-3161	22	10	policy	policy	NOUN
ajbmeb-3161	22	11	reform	reform	NOUN
ajbmeb-3161	22	12	,	,	PUNCT
ajbmeb-3161	22	13	financial	financial	ADJ
ajbmeb-3161	22	14	education	education	NOUN
ajbmeb-3161	22	15	,	,	PUNCT
ajbmeb-3161	22	16	innovation	innovation	NOUN
ajbmeb-3161	22	17	,	,	PUNCT
ajbmeb-3161	22	18	and	and	CCONJ
ajbmeb-3161	22	19	inclusion	inclusion	NOUN
ajbmeb-3161	22	20	of	of	ADP
ajbmeb-3161	22	21	all	all	DET
ajbmeb-3161	22	22	social	social	ADJ
ajbmeb-3161	22	23	groups	group	NOUN
ajbmeb-3161	22	24	.	.	PUNCT
ajbmeb-3161	23	1	the	the	DET
ajbmeb-3161	23	2	relationship	relationship	NOUN
ajbmeb-3161	23	3	between	between	ADP
ajbmeb-3161	23	4	the	the	DET
ajbmeb-3161	23	5	digital	digital	ADJ
ajbmeb-3161	23	6	economy	economy	NOUN
ajbmeb-3161	23	7	and	and	CCONJ
ajbmeb-3161	23	8	financial	financial	ADJ
ajbmeb-3161	23	9	inclusion	inclusion	NOUN
ajbmeb-3161	23	10	the	the	DET
ajbmeb-3161	23	11	analysis	analysis	NOUN
ajbmeb-3161	23	12	shows	show	VERB
ajbmeb-3161	23	13	that	that	SCONJ
ajbmeb-3161	23	14	digital	digital	ADJ
ajbmeb-3161	23	15	banking	banking	NOUN
ajbmeb-3161	23	16	services	service	NOUN
ajbmeb-3161	23	17	have	have	AUX
ajbmeb-3161	23	18	become	become	VERB
ajbmeb-3161	23	19	a	a	DET
ajbmeb-3161	23	20	kay	kay	NOUN
ajbmeb-3161	23	21	tool	tool	NOUN
ajbmeb-3161	23	22	for	for	ADP
ajbmeb-3161	23	23	enhancing	enhance	VERB
ajbmeb-3161	23	24	financial	financial	ADJ
ajbmeb-3161	23	25	inclusion	inclusion	NOUN
ajbmeb-3161	23	26	.	.	PUNCT
ajbmeb-3161	24	1	the	the	DET
ajbmeb-3161	24	2	digital	digital	ADJ
ajbmeb-3161	24	3	transformation	transformation	NOUN
ajbmeb-3161	24	4	of	of	ADP
ajbmeb-3161	24	5	banks	bank	NOUN
ajbmeb-3161	24	6	yields	yield	VERB
ajbmeb-3161	24	7	several	several	ADJ
ajbmeb-3161	24	8	outcomes	outcome	NOUN
ajbmeb-3161	24	9	:	:	PUNCT
ajbmeb-3161	24	10	increased	increase	VERB
ajbmeb-3161	24	11	speed	speed	NOUN
ajbmeb-3161	24	12	and	and	CCONJ
ajbmeb-3161	24	13	convenience	convenience	NOUN
ajbmeb-3161	24	14	of	of	ADP
ajbmeb-3161	24	15	financial	financial	ADJ
ajbmeb-3161	24	16	services	service	NOUN
ajbmeb-3161	24	17	.	.	PUNCT
ajbmeb-3161	25	1	more	more	ADV
ajbmeb-3161	25	2	effective	effective	ADJ
ajbmeb-3161	25	3	use	use	NOUN
ajbmeb-3161	25	4	of	of	ADP
ajbmeb-3161	25	5	electronic	electronic	ADJ
ajbmeb-3161	25	6	payment	payment	NOUN
ajbmeb-3161	25	7	and	and	CCONJ
ajbmeb-3161	25	8	credit	credit	NOUN
ajbmeb-3161	25	9	systems	system	NOUN
ajbmeb-3161	25	10	by	by	ADP
ajbmeb-3161	25	11	smes	sme	NOUN
ajbmeb-3161	25	12	higher	high	ADJ
ajbmeb-3161	25	13	transparency	transparency	NOUN
ajbmeb-3161	25	14	and	and	CCONJ
ajbmeb-3161	25	15	security	security	NOUN
ajbmeb-3161	25	16	levels	level	NOUN
ajbmeb-3161	25	17	in	in	ADP
ajbmeb-3161	25	18	the	the	DET
ajbmeb-3161	25	19	banking	banking	NOUN
ajbmeb-3161	25	20	sector	sector	NOUN
ajbmeb-3161	25	21	.	.	PUNCT
ajbmeb-3161	26	1	trends	trend	NOUN
ajbmeb-3161	26	2	in	in	ADP
ajbmeb-3161	26	3	2025	2025	NUM
ajbmeb-3161	26	4	.	.	PUNCT
ajbmeb-3161	27	1	in	in	ADP
ajbmeb-3161	27	2	2025	2025	NUM
ajbmeb-3161	27	3	,	,	PUNCT
ajbmeb-3161	27	4	the	the	DET
ajbmeb-3161	27	5	following	follow	VERB
ajbmeb-3161	27	6	trends	trend	NOUN
ajbmeb-3161	27	7	are	be	AUX
ajbmeb-3161	27	8	observed	observe	VERB
ajbmeb-3161	27	9	in	in	ADP
ajbmeb-3161	27	10	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	27	11	’s	’s	PART
ajbmeb-3161	27	12	banking	banking	NOUN
ajbmeb-3161	27	13	system	system	NOUN
ajbmeb-3161	27	14	:	:	PUNCT
ajbmeb-3161	27	15	growth	growth	NOUN
ajbmeb-3161	27	16	in	in	ADP
ajbmeb-3161	27	17	digital	digital	ADJ
ajbmeb-3161	27	18	service	service	NOUN
ajbmeb-3161	27	19	volume	volume	NOUN
ajbmeb-3161	27	20	:	:	PUNCT
ajbmeb-3161	27	21	an	an	DET
ajbmeb-3161	27	22	increase	increase	NOUN
ajbmeb-3161	27	23	in	in	ADP
ajbmeb-3161	27	24	transaction	transaction	NOUN
ajbmeb-3161	27	25	volume	volume	NOUN
ajbmeb-3161	27	26	and	and	CCONJ
ajbmeb-3161	27	27	the	the	DET
ajbmeb-3161	27	28	number	number	NOUN
ajbmeb-3161	27	29	of	of	ADP
ajbmeb-3161	27	30	users	user	NOUN
ajbmeb-3161	27	31	.	.	PUNCT
ajbmeb-3161	28	1	fin	fin	NOUN
ajbmeb-3161	28	2	tech	tech	NOUN
ajbmeb-3161	28	3	innovations	innovation	NOUN
ajbmeb-3161	28	4	:	:	PUNCT
ajbmeb-3161	28	5	widespread	widespread	ADJ
ajbmeb-3161	28	6	adoption	adoption	NOUN
ajbmeb-3161	28	7	of	of	ADP
ajbmeb-3161	28	8	artificial	artificial	ADJ
ajbmeb-3161	28	9	intelligence	intelligence	NOUN
ajbmeb-3161	28	10	,	,	PUNCT
ajbmeb-3161	28	11	blockchain	blockchain	NOUN
ajbmeb-3161	28	12	,	,	PUNCT
ajbmeb-3161	28	13	and	and	CCONJ
ajbmeb-3161	28	14	digital	digital	ADJ
ajbmeb-3161	28	15	identification	identification	NOUN
ajbmeb-3161	28	16	systems	system	NOUN
ajbmeb-3161	28	17	.	.	PUNCT
ajbmeb-3161	29	1	enhanced	enhance	VERB
ajbmeb-3161	29	2	financial	financial	ADJ
ajbmeb-3161	29	3	inclusion	inclusion	NOUN
ajbmeb-3161	29	4	:	:	PUNCT
ajbmeb-3161	29	5	improved	improve	VERB
ajbmeb-3161	29	6	access	access	NOUN
ajbmeb-3161	29	7	to	to	ADP
ajbmeb-3161	29	8	financial	financial	ADJ
ajbmeb-3161	29	9	services	service	NOUN
ajbmeb-3161	29	10	for	for	ADP
ajbmeb-3161	29	11	rural	rural	ADJ
ajbmeb-3161	29	12	and	and	CCONJ
ajbmeb-3161	29	13	socially	socially	ADV
ajbmeb-3161	29	14	vulnerable	vulnerable	ADJ
ajbmeb-3161	29	15	groups	group	NOUN
ajbmeb-3161	29	16	.	.	PUNCT
ajbmeb-3161	30	1	american	american	ADJ
ajbmeb-3161	30	2	journal	journal	PROPN
ajbmeb-3161	30	3	of	of	ADP
ajbmeb-3161	30	4	business	business	NOUN
ajbmeb-3161	30	5	management	management	NOUN
ajbmeb-3161	30	6	,	,	PUNCT
ajbmeb-3161	30	7	economics	economic	NOUN
ajbmeb-3161	30	8	and	and	CCONJ
ajbmeb-3161	30	9	banking	banking	NOUN
ajbmeb-3161	30	10	volume	volume	NOUN
ajbmeb-3161	30	11	42	42	NUM
ajbmeb-3161	31	1	november2025	november2025	PROPN
ajbmeb-3161	31	2	p	p	NOUN
ajbmeb-3161	31	3	a	a	DET
ajbmeb-3161	31	4	g	g	NOUN
ajbmeb-3161	31	5	e	e	NOUN
ajbmeb-3161	31	6	|	|	NOUN
ajbmeb-3161	31	7	12	12	NUM
ajbmeb-3161	31	8	www.americanjournal.org	www.americanjournal.org	ADJ
ajbmeb-3161	31	9	regulatory	regulatory	ADJ
ajbmeb-3161	31	10	improvements	improvement	NOUN
ajbmeb-3161	31	11	:	:	PUNCT
ajbmeb-3161	31	12	the	the	DET
ajbmeb-3161	31	13	central	central	ADJ
ajbmeb-3161	31	14	bank	bank	NOUN
ajbmeb-3161	31	15	is	be	AUX
ajbmeb-3161	31	16	developing	develop	VERB
ajbmeb-3161	31	17	new	new	ADJ
ajbmeb-3161	31	18	legal	legal	ADJ
ajbmeb-3161	31	19	frameworks	framework	NOUN
ajbmeb-3161	31	20	to	to	PART
ajbmeb-3161	31	21	regulate	regulate	VERB
ajbmeb-3161	31	22	digital	digital	ADJ
ajbmeb-3161	31	23	banking	banking	NOUN
ajbmeb-3161	31	24	and	and	CCONJ
ajbmeb-3161	31	25	fintech	fintech	NOUN
ajbmeb-3161	31	26	services	service	NOUN
ajbmeb-3161	31	27	.	.	PUNCT
ajbmeb-3161	32	1	table	table	NOUN
ajbmeb-3161	32	2	2number	2number	PROPN
ajbmeb-3161	32	3	of	of	ADP
ajbmeb-3161	32	4	digital	digital	ADJ
ajbmeb-3161	32	5	banking	banking	NOUN
ajbmeb-3161	32	6	users	user	NOUN
ajbmeb-3161	32	7	in	in	ADP
ajbmeb-3161	32	8	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	32	9	(	(	PUNCT
ajbmeb-3161	32	10	2020	2020	NUM
ajbmeb-3161	32	11	-	-	SYM
ajbmeb-3161	32	12	2025	2025	NUM
ajbmeb-3161	32	13	)	)	PUNCT
ajbmeb-3161	32	14	year	year	NOUN
ajbmeb-3161	32	15	number	number	NOUN
ajbmeb-3161	32	16	of	of	ADP
ajbmeb-3161	32	17	users(mil	users(mil	PROPN
ajbmeb-3161	32	18	)	)	PUNCT
ajbmeb-3161	32	19	growth%	growth%	PUNCT
ajbmeb-3161	33	1	digital	digital	ADJ
ajbmeb-3161	33	2	share	share	NOUN
ajbmeb-3161	33	3	%	%	NOUN
ajbmeb-3161	33	4	2020	2020	NUM
ajbmeb-3161	33	5	5.4	5.4	NUM
ajbmeb-3161	33	6	36	36	NUM
ajbmeb-3161	33	7	2021	2021	NUM
ajbmeb-3161	33	8	6.8	6.8	NUM
ajbmeb-3161	33	9	+25	+25	NUM
ajbmeb-3161	33	10	45	45	NUM
ajbmeb-3161	33	11	2022	2022	NUM
ajbmeb-3161	33	12	8.9	8.9	NUM
ajbmeb-3161	33	13	+30.8	+30.8	PROPN
ajbmeb-3161	33	14	58	58	NUM
ajbmeb-3161	33	15	2023	2023	NUM
ajbmeb-3161	33	16	10.4	10.4	NUM
ajbmeb-3161	33	17	+16.8	+16.8	SYM
ajbmeb-3161	33	18	69	69	NUM
ajbmeb-3161	33	19	2024	2024	NUM
ajbmeb-3161	33	20	12.1	12.1	NUM
ajbmeb-3161	33	21	+16.3	+16.3	NUM
ajbmeb-3161	33	22	78	78	NUM
ajbmeb-3161	33	23	2025	2025	NUM
ajbmeb-3161	33	24	13.0	13.0	NUM
ajbmeb-3161	33	25	+7.4	+7.4	NUM
ajbmeb-3161	33	26	87	87	NUM
ajbmeb-3161	33	27	source	source	NOUN
ajbmeb-3161	33	28	:	:	PUNCT
ajbmeb-3161	33	29	central	central	ADJ
ajbmeb-3161	33	30	bank	bank	NOUN
ajbmeb-3161	33	31	of	of	ADP
ajbmeb-3161	33	32	the	the	DET
ajbmeb-3161	33	33	republic	republic	NOUN
ajbmeb-3161	33	34	of	of	ADP
ajbmeb-3161	33	35	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	33	36	,	,	PUNCT
ajbmeb-3161	33	37	q12025(cbu.uz	q12025(cbu.uz	NUM
ajbmeb-3161	33	38	)	)	PUNCT
ajbmeb-3161	33	39	table	table	NOUN
ajbmeb-3161	33	40	3	3	NUM
ajbmeb-3161	33	41	dynamics	dynamic	NOUN
ajbmeb-3161	33	42	of	of	ADP
ajbmeb-3161	33	43	mobile	mobile	ADJ
ajbmeb-3161	33	44	payment	payment	NOUN
ajbmeb-3161	33	45	growth	growth	NOUN
ajbmeb-3161	33	46	(	(	PUNCT
ajbmeb-3161	33	47	trillion	trillion	NUM
ajbmeb-3161	33	48	uzs	uzs	ADJ
ajbmeb-3161	33	49	)	)	PUNCT
ajbmeb-3161	33	50	year	year	NOUN
ajbmeb-3161	33	51	mobile	mobile	ADJ
ajbmeb-3161	33	52	payment	payment	NOUN
ajbmeb-3161	33	53	volume	volume	NOUN
ajbmeb-3161	33	54	growth	growth	NOUN
ajbmeb-3161	33	55	rate	rate	NOUN
ajbmeb-3161	33	56	%	%	NOUN
ajbmeb-3161	33	57	2020	2020	NUM
ajbmeb-3161	33	58	49.2	49.2	NUM
ajbmeb-3161	33	59	2021	2021	NUM
ajbmeb-3161	33	60	82.5	82.5	NUM
ajbmeb-3161	33	61	67.6	67.6	NUM
ajbmeb-3161	33	62	2022	2022	NUM
ajbmeb-3161	33	63	121.7	121.7	NUM
ajbmeb-3161	33	64	47.4	47.4	NUM
ajbmeb-3161	33	65	2023	2023	NUM
ajbmeb-3161	33	66	174	174	NUM
ajbmeb-3161	33	67	43.0	43.0	NUM
ajbmeb-3161	33	68	2024	2024	NUM
ajbmeb-3161	33	69	233.5	233.5	NUM
ajbmeb-3161	33	70	34.2	34.2	NUM
ajbmeb-3161	33	71	2025	2025	NUM
ajbmeb-3161	33	72	297.6	297.6	NUM
ajbmeb-3161	33	73	27.4	27.4	NUM
ajbmeb-3161	33	74	table	table	NOUN
ajbmeb-3161	33	75	4	4	NUM
ajbmeb-3161	33	76	share	share	NOUN
ajbmeb-3161	33	77	of	of	ADP
ajbmeb-3161	33	78	digital	digital	ADJ
ajbmeb-3161	33	79	services	service	NOUN
ajbmeb-3161	33	80	in	in	ADP
ajbmeb-3161	33	81	the	the	DET
ajbmeb-3161	33	82	banking	banking	NOUN
ajbmeb-3161	33	83	system	system	NOUN
ajbmeb-3161	33	84	indicator	indicator	NOUN
ajbmeb-3161	33	85	2020	2020	NUM
ajbmeb-3161	33	86	2023	2023	NUM
ajbmeb-3161	33	87	2025	2025	NUM
ajbmeb-3161	33	88	internet	internet	NOUN
ajbmeb-3161	33	89	banking	banking	NOUN
ajbmeb-3161	33	90	34	34	NUM
ajbmeb-3161	33	91	%	%	NOUN
ajbmeb-3161	33	92	58	58	NUM
ajbmeb-3161	33	93	%	%	NOUN
ajbmeb-3161	33	94	76	76	NUM
ajbmeb-3161	33	95	%	%	NOUN
ajbmeb-3161	33	96	mobil	mobil	NOUN
ajbmeb-3161	33	97	banking	banking	NOUN
ajbmeb-3161	33	98	41	41	NUM
ajbmeb-3161	33	99	%	%	NOUN
ajbmeb-3161	33	100	72	72	NUM
ajbmeb-3161	33	101	%	%	NOUN
ajbmeb-3161	33	102	88	88	NUM
ajbmeb-3161	33	103	%	%	NOUN
ajbmeb-3161	33	104	online	online	NOUN
ajbmeb-3161	33	105	lending	lending	NOUN
ajbmeb-3161	33	106	9	9	NUM
ajbmeb-3161	33	107	%	%	NOUN
ajbmeb-3161	33	108	21	21	NUM
ajbmeb-3161	33	109	%	%	NOUN
ajbmeb-3161	33	110	33	33	NUM
ajbmeb-3161	33	111	%	%	NOUN
ajbmeb-3161	33	112	digital	digital	ADJ
ajbmeb-3161	33	113	cards	card	NOUN
ajbmeb-3161	33	114	16	16	NUM
ajbmeb-3161	33	115	%	%	NOUN
ajbmeb-3161	33	116	38	38	NUM
ajbmeb-3161	33	117	%	%	NOUN
ajbmeb-3161	33	118	61	61	NUM
ajbmeb-3161	33	119	%	%	NOUN
ajbmeb-3161	33	120	the	the	DET
ajbmeb-3161	33	121	digital	digital	ADJ
ajbmeb-3161	33	122	economy	economy	NOUN
ajbmeb-3161	33	123	and	and	CCONJ
ajbmeb-3161	33	124	financial	financial	ADJ
ajbmeb-3161	33	125	inclusion	inclusion	NOUN
ajbmeb-3161	33	126	in	in	ADP
ajbmeb-3161	33	127	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	33	128	’s	’s	PART
ajbmeb-3161	33	129	banking	banking	NOUN
ajbmeb-3161	33	130	system	system	NOUN
ajbmeb-3161	33	131	have	have	AUX
ajbmeb-3161	33	132	entered	enter	VERB
ajbmeb-3161	33	133	a	a	DET
ajbmeb-3161	33	134	stage	stage	NOUN
ajbmeb-3161	33	135	of	of	ADP
ajbmeb-3161	33	136	stable	stable	ADJ
ajbmeb-3161	33	137	growth	growth	NOUN
ajbmeb-3161	33	138	over	over	ADP
ajbmeb-3161	33	139	the	the	DET
ajbmeb-3161	33	140	past	past	ADJ
ajbmeb-3161	33	141	five	five	NUM
ajbmeb-3161	33	142	years	year	NOUN
ajbmeb-3161	33	143	,	,	PUNCT
ajbmeb-3161	33	144	largely	largely	ADV
ajbmeb-3161	33	145	due	due	ADJ
ajbmeb-3161	33	146	to	to	ADP
ajbmeb-3161	33	147	the	the	DET
ajbmeb-3161	33	148	“	"	PUNCT
ajbmeb-3161	33	149	digital	digital	ADJ
ajbmeb-3161	33	150	transformation-2030	transformation-2030	NOUN
ajbmeb-3161	33	151	”	"	PUNCT
ajbmeb-3161	33	152	strategy	strategy	NOUN
ajbmeb-3161	33	153	of	of	ADP
ajbmeb-3161	33	154	the	the	DET
ajbmeb-3161	33	155	central	central	ADJ
ajbmeb-3161	33	156	bank	bank	NOUN
ajbmeb-3161	33	157	.	.	PUNCT
ajbmeb-3161	34	1	the	the	DET
ajbmeb-3161	34	2	share	share	NOUN
ajbmeb-3161	34	3	of	of	ADP
ajbmeb-3161	34	4	digital	digital	ADJ
ajbmeb-3161	34	5	banking	banking	NOUN
ajbmeb-3161	34	6	services	service	NOUN
ajbmeb-3161	34	7	has	have	AUX
ajbmeb-3161	34	8	reached	reach	VERB
ajbmeb-3161	34	9	87	87	NUM
ajbmeb-3161	34	10	%	%	NOUN
ajbmeb-3161	34	11	the	the	DET
ajbmeb-3161	34	12	volume	volume	NOUN
ajbmeb-3161	34	13	of	of	ADP
ajbmeb-3161	34	14	mobile	mobile	ADJ
ajbmeb-3161	34	15	payments	payment	NOUN
ajbmeb-3161	34	16	has	have	AUX
ajbmeb-3161	34	17	increased	increase	VERB
ajbmeb-3161	34	18	six	six	NUM
ajbmeb-3161	34	19	-	-	ADJ
ajbmeb-3161	34	20	fold	fold	NOUN
ajbmeb-3161	34	21	.	.	PUNCT
ajbmeb-3161	35	1	the	the	DET
ajbmeb-3161	35	2	number	number	NOUN
ajbmeb-3161	35	3	of	of	ADP
ajbmeb-3161	35	4	internet	internet	NOUN
ajbmeb-3161	35	5	banking	banking	NOUN
ajbmeb-3161	35	6	users	user	NOUN
ajbmeb-3161	35	7	exceeds	exceed	VERB
ajbmeb-3161	35	8	13	13	NUM
ajbmeb-3161	35	9	million	million	NUM
ajbmeb-3161	35	10	.	.	PUNCT
ajbmeb-3161	36	1	the	the	DET
ajbmeb-3161	36	2	role	role	NOUN
ajbmeb-3161	36	3	of	of	ADP
ajbmeb-3161	36	4	reg	reg	NOUN
ajbmeb-3161	36	5	tech	tech	NOUN
ajbmeb-3161	36	6	in	in	ADP
ajbmeb-3161	36	7	the	the	DET
ajbmeb-3161	36	8	banking	banking	NOUN
ajbmeb-3161	36	9	system	system	NOUN
ajbmeb-3161	36	10	.	.	PUNCT
ajbmeb-3161	37	1	the	the	DET
ajbmeb-3161	37	2	development	development	NOUN
ajbmeb-3161	37	3	of	of	ADP
ajbmeb-3161	37	4	digital	digital	ADJ
ajbmeb-3161	37	5	infrastructure	infrastructure	NOUN
ajbmeb-3161	37	6	ensures	ensure	VERB
ajbmeb-3161	37	7	not	not	PART
ajbmeb-3161	37	8	only	only	ADV
ajbmeb-3161	37	9	convenience	convenience	NOUN
ajbmeb-3161	37	10	but	but	CCONJ
ajbmeb-3161	37	11	also	also	ADV
ajbmeb-3161	37	12	economic	economic	ADJ
ajbmeb-3161	37	13	efficiency	efficiency	NOUN
ajbmeb-3161	37	14	.	.	PUNCT
ajbmeb-3161	38	1	reg	reg	NOUN
ajbmeb-3161	38	2	tech	tech	NOUN
ajbmeb-3161	38	3	functions	function	NOUN
ajbmeb-3161	38	4	include	include	VERB
ajbmeb-3161	38	5	:	:	PUNCT
ajbmeb-3161	38	6	financial	financial	ADJ
ajbmeb-3161	38	7	monitoring	monitoring	NOUN
ajbmeb-3161	38	8	and	and	CCONJ
ajbmeb-3161	38	9	reporting	reporting	NOUN
ajbmeb-3161	38	10	:	:	PUNCT
ajbmeb-3161	38	11	automated	automate	VERB
ajbmeb-3161	38	12	collection	collection	NOUN
ajbmeb-3161	38	13	and	and	CCONJ
ajbmeb-3161	38	14	submission	submission	NOUN
ajbmeb-3161	38	15	of	of	ADP
ajbmeb-3161	38	16	regulator	regulator	NOUN
ajbmeb-3161	38	17	-	-	PUNCT
ajbmeb-3161	38	18	required	require	VERB
ajbmeb-3161	38	19	data	datum	NOUN
ajbmeb-3161	38	20	.	.	PUNCT
ajbmeb-3161	39	1	american	american	PROPN
ajbmeb-3161	39	2	journal	journal	PROPN
ajbmeb-3161	39	3	of	of	ADP
ajbmeb-3161	39	4	business	business	NOUN
ajbmeb-3161	39	5	management	management	NOUN
ajbmeb-3161	39	6	,	,	PUNCT
ajbmeb-3161	39	7	economics	economic	NOUN
ajbmeb-3161	39	8	and	and	CCONJ
ajbmeb-3161	39	9	banking	banking	NOUN
ajbmeb-3161	39	10	volume	volume	NOUN
ajbmeb-3161	39	11	42	42	NUM
ajbmeb-3161	40	1	november2025	november2025	PROPN
ajbmeb-3161	40	2	p	p	NOUN
ajbmeb-3161	40	3	a	a	DET
ajbmeb-3161	40	4	g	g	NOUN
ajbmeb-3161	40	5	e	e	NOUN
ajbmeb-3161	40	6	|	|	ADV
ajbmeb-3161	40	7	13	13	NUM
ajbmeb-3161	40	8	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-3161	40	9	kys	kys	PROPN
ajbmeb-3161	40	10	(	(	PUNCT
ajbmeb-3161	40	11	know	know	VERB
ajbmeb-3161	40	12	your	your	PRON
ajbmeb-3161	40	13	customer	customer	NOUN
ajbmeb-3161	40	14	)	)	PUNCT
ajbmeb-3161	40	15	and	and	CCONJ
ajbmeb-3161	40	16	aml	aml	PROPN
ajbmeb-3161	40	17	(	(	PUNCT
ajbmeb-3161	40	18	anti	anti	ADJ
ajbmeb-3161	40	19	-	-	ADJ
ajbmeb-3161	40	20	money	money	ADJ
ajbmeb-3161	40	21	laundering	laundering	NOUN
ajbmeb-3161	40	22	):	):	PUNCT
ajbmeb-3161	40	23	identification	identification	NOUN
ajbmeb-3161	40	24	of	of	ADP
ajbmeb-3161	40	25	clients	client	NOUN
ajbmeb-3161	40	26	and	and	CCONJ
ajbmeb-3161	40	27	prevention	prevention	NOUN
ajbmeb-3161	40	28	of	of	ADP
ajbmeb-3161	40	29	illegal	illegal	ADJ
ajbmeb-3161	40	30	transactions	transaction	NOUN
ajbmeb-3161	40	31	.	.	PUNCT
ajbmeb-3161	41	1	risk	risk	NOUN
ajbmeb-3161	41	2	management	management	NOUN
ajbmeb-3161	41	3	:	:	PUNCT
ajbmeb-3161	41	4	real	real	ADJ
ajbmeb-3161	41	5	-	-	PUNCT
ajbmeb-3161	41	6	time	time	NOUN
ajbmeb-3161	41	7	analysis	analysis	NOUN
ajbmeb-3161	41	8	of	of	ADP
ajbmeb-3161	41	9	credit	credit	NOUN
ajbmeb-3161	41	10	,	,	PUNCT
ajbmeb-3161	41	11	liquidity	liquidity	NOUN
ajbmeb-3161	41	12	,	,	PUNCT
ajbmeb-3161	41	13	and	and	CCONJ
ajbmeb-3161	41	14	operational	operational	ADJ
ajbmeb-3161	41	15	risks	risk	NOUN
ajbmeb-3161	41	16	.	.	PUNCT
ajbmeb-3161	42	1	compliance	compliance	NOUN
ajbmeb-3161	42	2	automation	automation	NOUN
ajbmeb-3161	42	3	:	:	PUNCT
ajbmeb-3161	42	4	streamlined	streamline	VERB
ajbmeb-3161	42	5	integral	integral	ADJ
ajbmeb-3161	42	6	audit	audit	NOUN
ajbmeb-3161	42	7	and	and	CCONJ
ajbmeb-3161	42	8	regulatory	regulatory	ADJ
ajbmeb-3161	42	9	compliance	compliance	NOUN
ajbmeb-3161	42	10	processes	process	NOUN
ajbmeb-3161	42	11	.	.	PUNCT
ajbmeb-3161	43	1	advantages	advantage	NOUN
ajbmeb-3161	43	2	include	include	VERB
ajbmeb-3161	43	3	:	:	PUNCT
ajbmeb-3161	43	4	reduction	reduction	NOUN
ajbmeb-3161	43	5	of	of	ADP
ajbmeb-3161	43	6	errors	error	NOUN
ajbmeb-3161	43	7	.	.	PUNCT
ajbmeb-3161	44	1	lower	low	ADJ
ajbmeb-3161	44	2	labor	labor	NOUN
ajbmeb-3161	44	3	costs	cost	NOUN
ajbmeb-3161	44	4	.	.	PUNCT
ajbmeb-3161	45	1	faster	fast	ADV
ajbmeb-3161	45	2	and	and	CCONJ
ajbmeb-3161	45	3	more	more	ADV
ajbmeb-3161	45	4	accurate	accurate	ADJ
ajbmeb-3161	45	5	date	date	NOUN
ajbmeb-3161	45	6	preparation	preparation	NOUN
ajbmeb-3161	45	7	.	.	PUNCT
ajbmeb-3161	46	1	transparent	transparent	ADJ
ajbmeb-3161	46	2	and	and	CCONJ
ajbmeb-3161	46	3	efficient	efficient	ADJ
ajbmeb-3161	46	4	communication	communication	NOUN
ajbmeb-3161	46	5	with	with	ADP
ajbmeb-3161	46	6	regulators	regulator	NOUN
ajbmeb-3161	46	7	.	.	PUNCT
ajbmeb-3161	47	1	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	47	2	’s	’s	PART
ajbmeb-3161	47	3	banks	bank	NOUN
ajbmeb-3161	47	4	are	be	AUX
ajbmeb-3161	47	5	recommended	recommend	VERB
ajbmeb-3161	47	6	to	to	PART
ajbmeb-3161	47	7	expand	expand	VERB
ajbmeb-3161	47	8	the	the	DET
ajbmeb-3161	47	9	use	use	NOUN
ajbmeb-3161	47	10	of	of	ADP
ajbmeb-3161	47	11	reg	reg	NOUN
ajbmeb-3161	47	12	tech	tech	NOUN
ajbmeb-3161	47	13	,	,	PUNCT
ajbmeb-3161	47	14	aml	aml	PROPN
ajbmeb-3161	47	15	,	,	PUNCT
ajbmeb-3161	47	16	and	and	CCONJ
ajbmeb-3161	47	17	customer	customer	NOUN
ajbmeb-3161	47	18	identification	identification	NOUN
ajbmeb-3161	47	19	processes	process	NOUN
ajbmeb-3161	47	20	to	to	PART
ajbmeb-3161	47	21	strengthen	strengthen	VERB
ajbmeb-3161	47	22	compliance	compliance	NOUN
ajbmeb-3161	47	23	and	and	CCONJ
ajbmeb-3161	47	24	operational	operational	ADJ
ajbmeb-3161	47	25	efficiency	efficiency	NOUN
ajbmeb-3161	47	26	.	.	PUNCT
ajbmeb-3161	48	1	recommendations	recommendation	NOUN
ajbmeb-3161	48	2	:	:	PUNCT
ajbmeb-3161	48	3	broaden	broaden	VERB
ajbmeb-3161	48	4	the	the	DET
ajbmeb-3161	48	5	implementation	implementation	NOUN
ajbmeb-3161	48	6	of	of	ADP
ajbmeb-3161	48	7	reg	reg	NOUN
ajbmeb-3161	48	8	tech	tech	NOUN
ajbmeb-3161	48	9	and	and	CCONJ
ajbmeb-3161	48	10	open	open	ADJ
ajbmeb-3161	48	11	banking	banking	NOUN
ajbmeb-3161	48	12	platforms	platform	NOUN
ajbmeb-3161	48	13	.	.	PUNCT
ajbmeb-3161	49	1	develop	develop	VERB
ajbmeb-3161	49	2	ai	ai	ADP
ajbmeb-3161	49	3	and	and	CCONJ
ajbmeb-3161	49	4	big	big	ADJ
ajbmeb-3161	49	5	data	data	NOUN
ajbmeb-3161	49	6	-	-	PUNCT
ajbmeb-3161	49	7	based	base	VERB
ajbmeb-3161	49	8	credit	credit	NOUN
ajbmeb-3161	49	9	rating	rating	NOUN
ajbmeb-3161	49	10	systems	system	NOUN
ajbmeb-3161	49	11	.	.	PUNCT
ajbmeb-3161	50	1	create	create	VERB
ajbmeb-3161	50	2	a	a	DET
ajbmeb-3161	50	3	unified	unified	ADJ
ajbmeb-3161	50	4	api	api	NOUN
ajbmeb-3161	50	5	ecosystem	ecosystem	NOUN
ajbmeb-3161	50	6	to	to	PART
ajbmeb-3161	50	7	enhance	enhance	VERB
ajbmeb-3161	50	8	client	client	NOUN
ajbmeb-3161	50	9	integration	integration	NOUN
ajbmeb-3161	50	10	.	.	PUNCT
ajbmeb-3161	51	1	design	design	VERB
ajbmeb-3161	51	2	nationwide	nationwide	ADJ
ajbmeb-3161	51	3	programs	program	NOUN
ajbmeb-3161	51	4	to	to	PART
ajbmeb-3161	51	5	improve	improve	VERB
ajbmeb-3161	51	6	financial	financial	ADJ
ajbmeb-3161	51	7	literacy	literacy	NOUN
ajbmeb-3161	51	8	.	.	PUNCT
ajbmeb-3161	52	1	strengthen	strengthen	VERB
ajbmeb-3161	52	2	cybersecurity	cybersecurity	NOUN
ajbmeb-3161	52	3	infrastructure	infrastructure	NOUN
ajbmeb-3161	52	4	and	and	CCONJ
ajbmeb-3161	52	5	align	align	VERB
ajbmeb-3161	52	6	it	it	PRON
ajbmeb-3161	52	7	with	with	ADP
ajbmeb-3161	52	8	international	international	ADJ
ajbmeb-3161	52	9	standards	standard	NOUN
ajbmeb-3161	52	10	.	.	PUNCT
ajbmeb-3161	53	1	references	reference	NOUN
ajbmeb-3161	53	2	:	:	PUNCT
ajbmeb-3161	53	3	1	1	X
ajbmeb-3161	53	4	.	.	X
ajbmeb-3161	53	5	presidential	presidential	ADJ
ajbmeb-3161	53	6	decree	decree	NOUN
ajbmeb-3161	53	7	of	of	ADP
ajbmeb-3161	53	8	the	the	DET
ajbmeb-3161	53	9	republic	republic	NOUN
ajbmeb-3161	53	10	of	of	ADP
ajbmeb-3161	53	11	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	53	12	“	"	PUNCT
ajbmeb-3161	53	13	on	on	ADP
ajbmeb-3161	53	14	the	the	DET
ajbmeb-3161	53	15	digital	digital	ADJ
ajbmeb-3161	53	16	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	53	17	–	–	PUNCT
ajbmeb-3161	53	18	2030	2030	NUM
ajbmeb-3161	53	19	program	program	NOUN
ajbmeb-3161	53	20	.	.	PUNCT
ajbmeb-3161	53	21	”	"	PUNCT
ajbmeb-3161	54	1	tashkent	tashkent	PROPN
ajbmeb-3161	54	2	,	,	PUNCT
ajbmeb-3161	54	3	2020	2020	NUM
ajbmeb-3161	54	4	.	.	PUNCT
ajbmeb-3161	55	1	2	2	X
ajbmeb-3161	55	2	.	.	X
ajbmeb-3161	55	3	central	central	ADJ
ajbmeb-3161	55	4	bank	bank	PROPN
ajbmeb-3161	55	5	of	of	ADP
ajbmeb-3161	55	6	the	the	DET
ajbmeb-3161	55	7	republic	republic	NOUN
ajbmeb-3161	55	8	of	of	ADP
ajbmeb-3161	55	9	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	55	10	.	.	PUNCT
ajbmeb-3161	56	1	“	"	PUNCT
ajbmeb-3161	56	2	digitalization	digitalization	NOUN
ajbmeb-3161	56	3	processes	process	NOUN
ajbmeb-3161	56	4	in	in	ADP
ajbmeb-3161	56	5	the	the	DET
ajbmeb-3161	56	6	uzbek	uzbek	PROPN
ajbmeb-3161	56	7	banking	banking	NOUN
ajbmeb-3161	56	8	sector	sector	NOUN
ajbmeb-3161	56	9	.	.	PUNCT
ajbmeb-3161	56	10	”	"	PUNCT
ajbmeb-3161	57	1	report	report	NOUN
ajbmeb-3161	57	2	,	,	PUNCT
ajbmeb-3161	57	3	tashkent	tashkent	NOUN
ajbmeb-3161	57	4	,	,	PUNCT
ajbmeb-3161	57	5	2022	2022	NUM
ajbmeb-3161	57	6	.	.	PUNCT
ajbmeb-3161	58	1	3	3	X
ajbmeb-3161	58	2	.	.	NOUN
ajbmeb-3161	58	3	mamatqulov	mamatqulov	NOUN
ajbmeb-3161	58	4	sh.r	sh.r	NOUN
ajbmeb-3161	58	5	.	.	PUNCT
ajbmeb-3161	59	1	“	"	PUNCT
ajbmeb-3161	59	2	prospects	prospect	NOUN
ajbmeb-3161	59	3	for	for	ADP
ajbmeb-3161	59	4	the	the	DET
ajbmeb-3161	59	5	implementation	implementation	NOUN
ajbmeb-3161	59	6	of	of	ADP
ajbmeb-3161	59	7	digital	digital	ADJ
ajbmeb-3161	59	8	technologies	technology	NOUN
ajbmeb-3161	59	9	in	in	ADP
ajbmeb-3161	59	10	commercial	commercial	ADJ
ajbmeb-3161	59	11	banks	bank	NOUN
ajbmeb-3161	59	12	.	.	PUNCT
ajbmeb-3161	59	13	”	"	PUNCT
ajbmeb-3161	59	14	economy	economy	NOUN
ajbmeb-3161	59	15	journal	journal	NOUN
ajbmeb-3161	59	16	,	,	PUNCT
ajbmeb-3161	59	17	tashkent	tashkent	NOUN
ajbmeb-3161	59	18	,	,	PUNCT
ajbmeb-3161	59	19	2021	2021	NUM
ajbmeb-3161	59	20	.	.	PUNCT
ajbmeb-3161	60	1	4	4	X
ajbmeb-3161	60	2	.	.	X
ajbmeb-3161	60	3	abdurakhmanov	abdurakhmanov	PROPN
ajbmeb-3161	60	4	q.	q.	PROPN
ajbmeb-3161	60	5	,	,	PUNCT
ajbmeb-3161	60	6	ergashev	ergashev	PROPN
ajbmeb-3161	60	7	b.	b.	PROPN
ajbmeb-3161	60	8	digital	digital	PROPN
ajbmeb-3161	60	9	economy	economy	NOUN
ajbmeb-3161	60	10	:	:	PUNCT
ajbmeb-3161	60	11	theory	theory	NOUN
ajbmeb-3161	60	12	and	and	CCONJ
ajbmeb-3161	60	13	practice	practice	NOUN
ajbmeb-3161	60	14	.	.	PUNCT
ajbmeb-3161	61	1	tashkent	tashkent	NOUN
ajbmeb-3161	61	2	:	:	PUNCT
ajbmeb-3161	61	3	science	science	NOUN
ajbmeb-3161	61	4	and	and	CCONJ
ajbmeb-3161	61	5	technology	technology	NOUN
ajbmeb-3161	61	6	,	,	PUNCT
ajbmeb-3161	61	7	2020	2020	NUM
ajbmeb-3161	61	8	.	.	PUNCT
ajbmeb-3161	62	1	5	5	X
ajbmeb-3161	62	2	.	.	NOUN
ajbmeb-3161	62	3	mirziyoyev	mirziyoyev	VERB
ajbmeb-3161	62	4	sh.m	sh.m	NOUN
ajbmeb-3161	62	5	.	.	PUNCT
ajbmeb-3161	63	1	the	the	DET
ajbmeb-3161	63	2	strategy	strategy	NOUN
ajbmeb-3161	63	3	of	of	ADP
ajbmeb-3161	63	4	new	new	ADJ
ajbmeb-3161	63	5	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	63	6	.	.	PUNCT
ajbmeb-3161	64	1	tashkent	tashkent	PROPN
ajbmeb-3161	64	2	:	:	PUNCT
ajbmeb-3161	65	1	uzbekistan	uzbekistan	PROPN
ajbmeb-3161	65	2	,	,	PUNCT
ajbmeb-3161	65	3	2021	2021	NUM
ajbmeb-3161	65	4	.	.	PUNCT
ajbmeb-3161	66	1	6	6	NUM
ajbmeb-3161	66	2	.	.	X
ajbmeb-3161	66	3	sberbank	sberbank	NOUN
ajbmeb-3161	66	4	of	of	ADP
ajbmeb-3161	66	5	russia	russia	PROPN
ajbmeb-3161	66	6	.	.	PUNCT
ajbmeb-3161	67	1	digital	digital	ADJ
ajbmeb-3161	67	2	transformation	transformation	NOUN
ajbmeb-3161	67	3	of	of	ADP
ajbmeb-3161	67	4	the	the	DET
ajbmeb-3161	67	5	banking	banking	NOUN
ajbmeb-3161	67	6	sector	sector	NOUN
ajbmeb-3161	67	7	.	.	PUNCT
ajbmeb-3161	68	1	moscow	moscow	PROPN
ajbmeb-3161	68	2	,	,	PUNCT
ajbmeb-3161	68	3	2021	2021	NUM
ajbmeb-3161	68	4	.	.	PUNCT
ajbmeb-3161	69	1	7	7	X
ajbmeb-3161	69	2	.	.	X
ajbmeb-3161	69	3	tinkoff	tinkoff	PROPN
ajbmeb-3161	69	4	bank	bank	PROPN
ajbmeb-3161	69	5	.	.	PUNCT
ajbmeb-3161	70	1	annual	annual	ADJ
ajbmeb-3161	70	2	report	report	NOUN
ajbmeb-3161	70	3	on	on	ADP
ajbmeb-3161	70	4	digital	digital	ADJ
ajbmeb-3161	70	5	service	service	NOUN
ajbmeb-3161	70	6	development	development	NOUN
ajbmeb-3161	70	7	.	.	PUNCT
ajbmeb-3161	71	1	moscow	moscow	PROPN
ajbmeb-3161	71	2	,	,	PUNCT
ajbmeb-3161	71	3	2022	2022	NUM
ajbmeb-3161	71	4	.	.	PUNCT
ajbmeb-3161	72	1	8	8	NUM
ajbmeb-3161	72	2	.	.	PUNCT
ajbmeb-3161	72	3	european	european	ADJ
ajbmeb-3161	72	4	banking	banking	PROPN
ajbmeb-3161	72	5	authority	authority	NOUN
ajbmeb-3161	72	6	.	.	PUNCT
ajbmeb-3161	73	1	digital	digital	ADJ
ajbmeb-3161	73	2	banking	banking	NOUN
ajbmeb-3161	73	3	in	in	ADP
ajbmeb-3161	73	4	europe	europe	PROPN
ajbmeb-3161	73	5	:	:	PUNCT
ajbmeb-3161	73	6	eba	eba	NOUN
ajbmeb-3161	73	7	report	report	PROPN
ajbmeb-3161	73	8	.	.	PUNCT
ajbmeb-3161	73	9	,	,	PUNCT
ajbmeb-3161	73	10	2021	2021	NUM
ajbmeb-3161	73	11	.	.	PUNCT
ajbmeb-3161	74	1	9	9	X
ajbmeb-3161	74	2	.	.	X
ajbmeb-3161	75	1	psd2	psd2	NOUN
ajbmeb-3161	75	2	directive	directive	NOUN
ajbmeb-3161	75	3	(	(	PUNCT
ajbmeb-3161	75	4	eu	eu	PROPN
ajbmeb-3161	75	5	)	)	PUNCT
ajbmeb-3161	75	6	2015/2366	2015/2366	NUM
ajbmeb-3161	75	7	of	of	ADP
ajbmeb-3161	75	8	the	the	DET
ajbmeb-3161	75	9	european	european	ADJ
ajbmeb-3161	75	10	parliament	parliament	PROPN
ajbmeb-3161	75	11	.	.	PUNCT
ajbmeb-3161	76	1	brussels	brussels	PROPN
ajbmeb-3161	76	2	,	,	PUNCT
ajbmeb-3161	76	3	2015	2015	NUM
ajbmeb-3161	76	4	.	.	PUNCT
ajbmeb-3161	77	1	10	10	NUM
ajbmeb-3161	77	2	.	.	PUNCT
ajbmeb-3161	77	3	federal	federal	PROPN
ajbmeb-3161	77	4	reserve	reserve	PROPN
ajbmeb-3161	77	5	system	system	NOUN
ajbmeb-3161	77	6	.	.	PUNCT
ajbmeb-3161	78	1	the	the	DET
ajbmeb-3161	78	2	future	future	NOUN
ajbmeb-3161	78	3	of	of	ADP
ajbmeb-3161	78	4	digital	digital	ADJ
ajbmeb-3161	78	5	banking	banking	NOUN
ajbmeb-3161	78	6	in	in	ADP
ajbmeb-3161	78	7	the	the	DET
ajbmeb-3161	78	8	usa	usa	PROPN
ajbmeb-3161	78	9	.	.	PROPN
ajbmeb-3161	78	10	washington	washington	PROPN
ajbmeb-3161	78	11	dc	dc	PROPN
ajbmeb-3161	78	12	,	,	PUNCT
ajbmeb-3161	78	13	2020	2020	NUM
ajbmeb-3161	78	14	.	.	PUNCT
ajbmeb-3161	79	1	11	11	NUM
ajbmeb-3161	79	2	.	.	X
ajbmeb-3161	79	3	paypal	paypal	PROPN
ajbmeb-3161	79	4	holdings	holdings	PROPN
ajbmeb-3161	79	5	inc	inc	PROPN
ajbmeb-3161	79	6	.	.	PROPN
ajbmeb-3161	79	7	annual	annual	ADJ
ajbmeb-3161	79	8	report	report	NOUN
ajbmeb-3161	79	9	2021	2021	NUM
ajbmeb-3161	79	10	.	.	PUNCT
ajbmeb-3161	80	1	san	san	PROPN
ajbmeb-3161	80	2	jose	jose	PROPN
ajbmeb-3161	80	3	,	,	PUNCT
ajbmeb-3161	80	4	2021	2021	NUM
ajbmeb-3161	80	5	.	.	PUNCT
ajbmeb-3161	81	1	12	12	NUM
ajbmeb-3161	81	2	.	.	PUNCT
ajbmeb-3161	82	1	lee	lee	PROPN
ajbmeb-3161	82	2	,	,	PUNCT
ajbmeb-3161	82	3	j.	j.	PROPN
ajbmeb-3161	82	4	,	,	PUNCT
ajbmeb-3161	82	5	&	&	CCONJ
ajbmeb-3161	82	6	kim	kim	PROPN
ajbmeb-3161	82	7	,	,	PUNCT
ajbmeb-3161	82	8	h.	h.	PROPN
ajbmeb-3161	82	9	digital	digital	PROPN
ajbmeb-3161	82	10	banking	banking	NOUN
ajbmeb-3161	82	11	transformation	transformation	NOUN
ajbmeb-3161	82	12	in	in	ADP
ajbmeb-3161	82	13	south	south	PROPN
ajbmeb-3161	82	14	korea	korea	PROPN
ajbmeb-3161	82	15	.	.	PUNCT
ajbmeb-3161	83	1	journal	journal	PROPN
ajbmeb-3161	83	2	of	of	ADP
ajbmeb-3161	83	3	financial	financial	ADJ
ajbmeb-3161	83	4	innovation	innovation	NOUN
ajbmeb-3161	83	5	,	,	PUNCT
ajbmeb-3161	83	6	vol	vol	NOUN
ajbmeb-3161	83	7	.	.	PROPN
ajbmeb-3161	83	8	8(2	8(2	NUM
ajbmeb-3161	83	9	)	)	PUNCT
ajbmeb-3161	83	10	,	,	PUNCT
ajbmeb-3161	83	11	2020	2020	NUM
ajbmeb-3161	83	12	.	.	PUNCT
ajbmeb-3161	84	1	13	13	NUM
ajbmeb-3161	84	2	.	.	PUNCT
ajbmeb-3161	84	3	kakao	kakao	PROPN
ajbmeb-3161	84	4	bank	bank	PROPN
ajbmeb-3161	84	5	.	.	PUNCT
ajbmeb-3161	85	1	annual	annual	ADJ
ajbmeb-3161	85	2	report	report	NOUN
ajbmeb-3161	85	3	2021	2021	NUM
ajbmeb-3161	85	4	.	.	PUNCT
ajbmeb-3161	86	1	seoul	seoul	PROPN
ajbmeb-3161	86	2	,	,	PUNCT
ajbmeb-3161	86	3	2021	2021	NUM
ajbmeb-3161	86	4	.	.	PUNCT
ajbmeb-3161	87	1	14	14	NUM
ajbmeb-3161	87	2	.	.	PUNCT
ajbmeb-3161	88	1	ant	ant	PROPN
ajbmeb-3161	88	2	financial	financial	PROPN
ajbmeb-3161	88	3	(	(	PUNCT
ajbmeb-3161	88	4	alipay	alipay	PROPN
ajbmeb-3161	88	5	)	)	PUNCT
ajbmeb-3161	88	6	.	.	PUNCT
ajbmeb-3161	89	1	building	build	VERB
ajbmeb-3161	89	2	a	a	DET
ajbmeb-3161	89	3	digital	digital	ADJ
ajbmeb-3161	89	4	financial	financial	ADJ
ajbmeb-3161	89	5	ecosystem	ecosystem	NOUN
ajbmeb-3161	89	6	.	.	PUNCT
ajbmeb-3161	90	1	beijing	beijing	PROPN
ajbmeb-3161	90	2	,	,	PUNCT
ajbmeb-3161	90	3	2020	2020	NUM
ajbmeb-3161	90	4	.	.	PUNCT
ajbmeb-3161	91	1	15	15	NUM
ajbmeb-3161	91	2	.	.	PUNCT
ajbmeb-3161	92	1	tencent	tencent	PROPN
ajbmeb-3161	92	2	holdings	holdings	PROPN
ajbmeb-3161	92	3	ltd	ltd	PROPN
ajbmeb-3161	92	4	.	.	PROPN
ajbmeb-3161	92	5	wechat	wechat	PROPN
ajbmeb-3161	92	6	pay	pay	VERB
ajbmeb-3161	92	7	development	development	NOUN
ajbmeb-3161	92	8	report	report	NOUN
ajbmeb-3161	92	9	.	.	PUNCT
ajbmeb-3161	93	1	shenzhen	shenzhen	PROPN
ajbmeb-3161	93	2	,	,	PUNCT
ajbmeb-3161	93	3	2021	2021	NUM
ajbmeb-3161	93	4	.	.	PUNCT
ajbmeb-3161	94	1	16	16	NUM
ajbmeb-3161	94	2	.	.	PUNCT
ajbmeb-3161	94	3	pwc	pwc	PROPN
ajbmeb-3161	94	4	.	.	PUNCT
ajbmeb-3161	95	1	global	global	ADJ
ajbmeb-3161	95	2	fintech	fintech	NOUN
ajbmeb-3161	95	3	report	report	NOUN
ajbmeb-3161	95	4	:	:	PUNCT
ajbmeb-3161	95	5	the	the	DET
ajbmeb-3161	95	6	road	road	NOUN
ajbmeb-3161	95	7	to	to	ADP
ajbmeb-3161	95	8	digital	digital	ADJ
ajbmeb-3161	95	9	banking	banking	NOUN
ajbmeb-3161	95	10	ecosystems	ecosystem	NOUN
ajbmeb-3161	95	11	.	.	PUNCT
ajbmeb-3161	96	1	london	london	PROPN
ajbmeb-3161	96	2	,	,	PUNCT
ajbmeb-3161	96	3	2020	2020	NUM
ajbmeb-3161	96	4	.	.	PUNCT
ajbmeb-3161	97	1	17	17	NUM
ajbmeb-3161	97	2	.	.	PUNCT
ajbmeb-3161	97	3	deloitte	deloitte	PROPN
ajbmeb-3161	97	4	.	.	PUNCT
ajbmeb-3161	98	1	the	the	DET
ajbmeb-3161	98	2	future	future	NOUN
ajbmeb-3161	98	3	of	of	ADP
ajbmeb-3161	98	4	banking	banking	NOUN
ajbmeb-3161	98	5	:	:	PUNCT
ajbmeb-3161	98	6	digital	digital	ADJ
ajbmeb-3161	98	7	transformation	transformation	NOUN
ajbmeb-3161	98	8	and	and	CCONJ
ajbmeb-3161	98	9	ecosystems	ecosystem	NOUN
ajbmeb-3161	98	10	.	.	PUNCT
ajbmeb-3161	99	1	new	new	PROPN
ajbmeb-3161	99	2	york	york	PROPN
ajbmeb-3161	99	3	,	,	PUNCT
ajbmeb-3161	99	4	2019	2019	NUM
ajbmeb-3161	99	5	.	.	PUNCT
ajbmeb-3161	100	1	american	american	ADJ
ajbmeb-3161	100	2	journal	journal	PROPN
ajbmeb-3161	100	3	of	of	ADP
ajbmeb-3161	100	4	business	business	NOUN
ajbmeb-3161	100	5	management	management	NOUN
ajbmeb-3161	100	6	,	,	PUNCT
ajbmeb-3161	100	7	economics	economic	NOUN
ajbmeb-3161	100	8	and	and	CCONJ
ajbmeb-3161	100	9	banking	banking	NOUN
ajbmeb-3161	100	10	volume	volume	NOUN
ajbmeb-3161	100	11	42	42	NUM
ajbmeb-3161	101	1	november2025	november2025	PROPN
ajbmeb-3161	101	2	p	p	NOUN
ajbmeb-3161	101	3	a	a	PRON
ajbmeb-3161	101	4	g	g	NOUN
ajbmeb-3161	101	5	e	e	NOUN
ajbmeb-3161	101	6	|	|	ADV
ajbmeb-3161	101	7	14	14	NUM
ajbmeb-3161	101	8	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-3161	101	9	18	18	NUM
ajbmeb-3161	101	10	.	.	PUNCT
ajbmeb-3161	102	1	world	world	PROPN
ajbmeb-3161	102	2	bank	bank	PROPN
ajbmeb-3161	102	3	.	.	PUNCT
ajbmeb-3161	103	1	digital	digital	ADJ
ajbmeb-3161	103	2	financial	financial	ADJ
ajbmeb-3161	103	3	services	service	NOUN
ajbmeb-3161	103	4	and	and	CCONJ
ajbmeb-3161	103	5	financial	financial	ADJ
ajbmeb-3161	103	6	inclusion	inclusion	NOUN
ajbmeb-3161	103	7	.	.	PUNCT
ajbmeb-3161	104	1	washington	washington	PROPN
ajbmeb-3161	104	2	dc	dc	PROPN
ajbmeb-3161	104	3	,	,	PUNCT
ajbmeb-3161	104	4	2021	2021	NUM
ajbmeb-3161	104	5	.	.	PUNCT
ajbmeb-3161	105	1	19	19	NUM
ajbmeb-3161	105	2	.	.	PUNCT
ajbmeb-3161	105	3	oecd	oecd	PROPN
ajbmeb-3161	105	4	.	.	PUNCT
ajbmeb-3161	105	5	digitalization	digitalization	NOUN
ajbmeb-3161	105	6	and	and	CCONJ
ajbmeb-3161	105	7	the	the	DET
ajbmeb-3161	105	8	future	future	NOUN
ajbmeb-3161	105	9	of	of	ADP
ajbmeb-3161	105	10	finance	finance	NOUN
ajbmeb-3161	105	11	.	.	PUNCT
ajbmeb-3161	106	1	paris	paris	PROPN
ajbmeb-3161	106	2	,	,	PUNCT
ajbmeb-3161	106	3	2020	2020	NUM
ajbmeb-3161	106	4	.	.	PUNCT
ajbmeb-3161	107	1	20	20	NUM
ajbmeb-3161	107	2	.	.	X
ajbmeb-3161	107	3	imf	imf	PROPN
ajbmeb-3161	107	4	.	.	PROPN
ajbmeb-3161	107	5	fintech	fintech	PROPN
ajbmeb-3161	107	6	and	and	CCONJ
ajbmeb-3161	107	7	financial	financial	ADJ
ajbmeb-3161	107	8	stability	stability	NOUN
ajbmeb-3161	107	9	implications	implication	NOUN
ajbmeb-3161	107	10	.	.	PUNCT
ajbmeb-3161	108	1	washington	washington	PROPN
ajbmeb-3161	108	2	dc	dc	PROPN
ajbmeb-3161	108	3	,	,	PUNCT
ajbmeb-3161	108	4	2021	2021	NUM
ajbmeb-3161	108	5	.	.	PUNCT
ajbmeb-3161	109	1	21	21	NUM
ajbmeb-3161	109	2	.	.	PUNCT
ajbmeb-3161	109	3	https://review.uz/oz/post/iqtisodiy-tadqiqotlar-va-islohotlar-markazibanklar-faollik-indeksiniishlab-chiqdi	https://review.uz/oz/post/iqtisodiy-tadqiqotlar-va-islohotlar-markazibanklar-faollik-indeksiniishlab-chiqdi	NOUN
ajbmeb-3161	109	4	22	22	NUM
ajbmeb-3161	109	5	.	.	PUNCT
ajbmeb-3161	110	1	https://cbu.uz/oz/statistics/bankstats/588197/	https://cbu.uz/oz/statistics/bankstats/588197/	VERB
ajbmeb-3161	110	2	23	23	NUM
ajbmeb-3161	110	3	.	.	PUNCT
ajbmeb-3161	111	1	www.nbu.uz	www.nbu.uz	PROPN
ajbmeb-3161	111	2	24	24	NUM
ajbmeb-3161	111	3	.	.	PUNCT
ajbmeb-3161	112	1	www.lex.uz	www.lex.uz	PROPN
ajbmeb-3161	112	2	https://review.uz/oz/post/iqtisodiy-tadqiqotlar-va-islohotlar-markazibanklar-faollik-indeksini-ishlab-chiqdi	https://review.uz/oz/post/iqtisodiy-tadqiqotlar-va-islohotlar-markazibanklar-faollik-indeksini-ishlab-chiqdi	PROPN
ajbmeb-3161	112	3	https://review.uz/oz/post/iqtisodiy-tadqiqotlar-va-islohotlar-markazibanklar-faollik-indeksini-ishlab-chiqdi	https://review.uz/oz/post/iqtisodiy-tadqiqotlar-va-islohotlar-markazibanklar-faollik-indeksini-ishlab-chiqdi	NOUN
ajbmeb-3161	112	4	https://cbu.uz/oz/statistics/bankstats/588197/	https://cbu.uz/oz/statistics/bankstats/588197/	NOUN
ajbmeb-3161	112	5	http://www.nbu.uz/	http://www.nbu.uz/	PROPN
ajbmeb-3161	112	6	http://www.lex.uz/	http://www.lex.uz/	NOUN