id	sid	tid	token	lemma	pos
ajbmeb-476	1	1	american	american	PROPN
ajbmeb-476	1	2	journal	journal	PROPN
ajbmeb-476	1	3	of	of	ADP
ajbmeb-476	1	4	business	business	NOUN
ajbmeb-476	1	5	management	management	NOUN
ajbmeb-476	1	6	,	,	PUNCT
ajbmeb-476	1	7	economics	economic	NOUN
ajbmeb-476	1	8	and	and	CCONJ
ajbmeb-476	1	9	banking	banking	NOUN
ajbmeb-476	1	10	issn	issn	PROPN
ajbmeb-476	1	11	(	(	PUNCT
ajbmeb-476	1	12	e	e	NOUN
ajbmeb-476	1	13	):	):	PUNCT
ajbmeb-476	1	14	2832	2832	NUM
ajbmeb-476	1	15	-	-	SYM
ajbmeb-476	1	16	8078	8078	NUM
ajbmeb-476	1	17	volume	volume	NOUN
ajbmeb-476	1	18	10	10	NUM
ajbmeb-476	1	19	,	,	PUNCT
ajbmeb-476	1	20	|	|	ADV
ajbmeb-476	1	21	march	march	NOUN
ajbmeb-476	1	22	,	,	PUNCT
ajbmeb-476	1	23	2023	2023	NUM
ajbmeb-476	1	24	p	p	NOUN
ajbmeb-476	1	25	a	a	DET
ajbmeb-476	1	26	g	g	NOUN
ajbmeb-476	1	27	e	e	NOUN
ajbmeb-476	1	28	|	|	ADV
ajbmeb-476	1	29	38	38	NUM
ajbmeb-476	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-476	1	31	current	current	ADJ
ajbmeb-476	1	32	issues	issue	NOUN
ajbmeb-476	1	33	of	of	ADP
ajbmeb-476	1	34	digitization	digitization	NOUN
ajbmeb-476	1	35	of	of	ADP
ajbmeb-476	1	36	transformational	transformational	ADJ
ajbmeb-476	1	37	processes	process	NOUN
ajbmeb-476	1	38	in	in	ADP
ajbmeb-476	1	39	commercial	commercial	ADJ
ajbmeb-476	1	40	banks	bank	NOUN
ajbmeb-476	1	41	suyunov	suyunov	PROPN
ajbmeb-476	2	1	d.	d.	PROPN
ajbmeb-476	2	2	x.	x.	PROPN
ajbmeb-476	3	1	i	i	PROPN
ajbmeb-476	3	2	d	d	PROPN
ajbmeb-476	3	3	,	,	PUNCT
ajbmeb-476	3	4	prof	prof	PROPN
ajbmeb-476	3	5	.	.	PROPN
ajbmeb-476	3	6	,	,	PUNCT
ajbmeb-476	3	7	head	head	NOUN
ajbmeb-476	3	8	of	of	ADP
ajbmeb-476	3	9	the	the	DET
ajbmeb-476	3	10	department	department	NOUN
ajbmeb-476	3	11	of	of	ADP
ajbmeb-476	3	12	higher	high	ADJ
ajbmeb-476	3	13	school	school	NOUN
ajbmeb-476	3	14	of	of	ADP
ajbmeb-476	3	15	business	business	NOUN
ajbmeb-476	3	16	and	and	CCONJ
ajbmeb-476	3	17	entrepreneurship	entrepreneurship	NOUN
ajbmeb-476	3	18	kaytavov	kaytavov	PROPN
ajbmeb-476	3	19	v.	v.	ADP
ajbmeb-476	3	20	r.	r.	PROPN
ajbmeb-476	3	21	phd	phd	PROPN
ajbmeb-476	3	22	student	student	NOUN
ajbmeb-476	3	23	of	of	ADP
ajbmeb-476	3	24	higher	high	ADJ
ajbmeb-476	3	25	school	school	NOUN
ajbmeb-476	3	26	of	of	ADP
ajbmeb-476	3	27	business	business	NOUN
ajbmeb-476	3	28	and	and	CCONJ
ajbmeb-476	3	29	entrepreneurship	entrepreneurship	NOUN
ajbmeb-476	4	1	a	a	DET
ajbmeb-476	4	2	b	b	NOUN
ajbmeb-476	4	3	s	s	ADP
ajbmeb-476	4	4	t	t	PROPN
ajbmeb-476	4	5	r	r	NOUN
ajbmeb-476	4	6	a	a	DET
ajbmeb-476	4	7	c	c	NOUN
ajbmeb-476	4	8	t	t	NOUN
ajbmeb-476	4	9	k	k	X
ajbmeb-476	4	10	e	e	PROPN
ajbmeb-476	4	11	y	y	PROPN
ajbmeb-476	4	12	w	w	NOUN
ajbmeb-476	4	13	o	o	NOUN
ajbmeb-476	4	14	r	r	NOUN
ajbmeb-476	4	15	d	d	X
ajbmeb-476	4	16	s	s	AUX
ajbmeb-476	4	17	the	the	DET
ajbmeb-476	4	18	article	article	NOUN
ajbmeb-476	4	19	analyzes	analyze	VERB
ajbmeb-476	4	20	the	the	DET
ajbmeb-476	4	21	role	role	NOUN
ajbmeb-476	4	22	of	of	ADP
ajbmeb-476	4	23	digitization	digitization	NOUN
ajbmeb-476	4	24	in	in	ADP
ajbmeb-476	4	25	the	the	DET
ajbmeb-476	4	26	transformation	transformation	NOUN
ajbmeb-476	4	27	of	of	ADP
ajbmeb-476	4	28	commercial	commercial	ADJ
ajbmeb-476	4	29	banking	banking	NOUN
ajbmeb-476	4	30	activities	activity	NOUN
ajbmeb-476	4	31	,	,	PUNCT
ajbmeb-476	4	32	the	the	DET
ajbmeb-476	4	33	importance	importance	NOUN
ajbmeb-476	4	34	,	,	PUNCT
ajbmeb-476	4	35	current	current	ADJ
ajbmeb-476	4	36	state	state	NOUN
ajbmeb-476	4	37	and	and	CCONJ
ajbmeb-476	4	38	prospects	prospect	NOUN
ajbmeb-476	4	39	of	of	ADP
ajbmeb-476	4	40	remote	remote	ADJ
ajbmeb-476	4	41	use	use	NOUN
ajbmeb-476	4	42	of	of	ADP
ajbmeb-476	4	43	banking	banking	NOUN
ajbmeb-476	4	44	services	service	NOUN
ajbmeb-476	4	45	.	.	PUNCT
ajbmeb-476	5	1	the	the	DET
ajbmeb-476	5	2	article	article	NOUN
ajbmeb-476	5	3	also	also	ADV
ajbmeb-476	5	4	shows	show	VERB
ajbmeb-476	5	5	the	the	DET
ajbmeb-476	5	6	importance	importance	NOUN
ajbmeb-476	5	7	and	and	CCONJ
ajbmeb-476	5	8	convenience	convenience	NOUN
ajbmeb-476	5	9	of	of	ADP
ajbmeb-476	5	10	digitizing	digitize	VERB
ajbmeb-476	5	11	the	the	DET
ajbmeb-476	5	12	banking	banking	NOUN
ajbmeb-476	5	13	sector	sector	NOUN
ajbmeb-476	5	14	,	,	PUNCT
ajbmeb-476	5	15	the	the	DET
ajbmeb-476	5	16	work	work	NOUN
ajbmeb-476	5	17	that	that	PRON
ajbmeb-476	5	18	should	should	AUX
ajbmeb-476	5	19	be	be	AUX
ajbmeb-476	5	20	carried	carry	VERB
ajbmeb-476	5	21	out	out	ADP
ajbmeb-476	5	22	in	in	ADP
ajbmeb-476	5	23	this	this	DET
ajbmeb-476	5	24	direction	direction	NOUN
ajbmeb-476	5	25	uzbekistan	uzbekistan	PROPN
ajbmeb-476	5	26	.	.	PUNCT
ajbmeb-476	6	1	banking	banking	NOUN
ajbmeb-476	6	2	,	,	PUNCT
ajbmeb-476	6	3	digitization	digitization	NOUN
ajbmeb-476	6	4	,	,	PUNCT
ajbmeb-476	6	5	transformation	transformation	NOUN
ajbmeb-476	6	6	,	,	PUNCT
ajbmeb-476	6	7	digital	digital	ADJ
ajbmeb-476	6	8	banking	banking	NOUN
ajbmeb-476	6	9	,	,	PUNCT
ajbmeb-476	6	10	traditional	traditional	ADJ
ajbmeb-476	6	11	banking	banking	NOUN
ajbmeb-476	6	12	,	,	PUNCT
ajbmeb-476	6	13	ecosystem	ecosystem	NOUN
ajbmeb-476	6	14	,	,	PUNCT
ajbmeb-476	6	15	it	it	PRON
ajbmeb-476	6	16	,	,	PUNCT
ajbmeb-476	6	17	online	online	ADJ
ajbmeb-476	6	18	platform	platform	NOUN
ajbmeb-476	6	19	.	.	PUNCT
ajbmeb-476	7	1	introduction	introduction	NOUN
ajbmeb-476	7	2	commercial	commercial	ADJ
ajbmeb-476	7	3	banks	bank	NOUN
ajbmeb-476	7	4	are	be	AUX
ajbmeb-476	7	5	the	the	DET
ajbmeb-476	7	6	main	main	ADJ
ajbmeb-476	7	7	link	link	NOUN
ajbmeb-476	7	8	in	in	ADP
ajbmeb-476	7	9	the	the	DET
ajbmeb-476	7	10	economy	economy	NOUN
ajbmeb-476	7	11	,	,	PUNCT
ajbmeb-476	7	12	constantly	constantly	ADV
ajbmeb-476	7	13	ensuring	ensure	VERB
ajbmeb-476	7	14	the	the	DET
ajbmeb-476	7	15	growth	growth	NOUN
ajbmeb-476	7	16	of	of	ADP
ajbmeb-476	7	17	the	the	DET
ajbmeb-476	7	18	economy	economy	NOUN
ajbmeb-476	7	19	by	by	ADP
ajbmeb-476	7	20	taking	take	VERB
ajbmeb-476	7	21	free	free	ADJ
ajbmeb-476	7	22	money	money	NOUN
ajbmeb-476	7	23	from	from	ADP
ajbmeb-476	7	24	one	one	NUM
ajbmeb-476	7	25	subject	subject	NOUN
ajbmeb-476	7	26	and	and	CCONJ
ajbmeb-476	7	27	placing	place	VERB
ajbmeb-476	7	28	it	it	PRON
ajbmeb-476	7	29	as	as	ADP
ajbmeb-476	7	30	a	a	DET
ajbmeb-476	7	31	financial	financial	ADJ
ajbmeb-476	7	32	asset	asset	NOUN
ajbmeb-476	7	33	in	in	ADP
ajbmeb-476	7	34	another	another	PRON
ajbmeb-476	7	35	.	.	PUNCT
ajbmeb-476	8	1	the	the	DET
ajbmeb-476	8	2	need	need	NOUN
ajbmeb-476	8	3	of	of	ADP
ajbmeb-476	8	4	bank	bank	NOUN
ajbmeb-476	8	5	customers	customer	NOUN
ajbmeb-476	8	6	to	to	PART
ajbmeb-476	8	7	remotely	remotely	ADV
ajbmeb-476	8	8	use	use	VERB
ajbmeb-476	8	9	modern	modern	ADJ
ajbmeb-476	8	10	banking	banking	NOUN
ajbmeb-476	8	11	services	service	NOUN
ajbmeb-476	8	12	is	be	AUX
ajbmeb-476	8	13	increasing	increase	VERB
ajbmeb-476	8	14	day	day	NOUN
ajbmeb-476	8	15	by	by	ADP
ajbmeb-476	8	16	day	day	NOUN
ajbmeb-476	8	17	,	,	PUNCT
ajbmeb-476	8	18	which	which	PRON
ajbmeb-476	8	19	encourages	encourage	VERB
ajbmeb-476	8	20	the	the	DET
ajbmeb-476	8	21	widespread	widespread	ADJ
ajbmeb-476	8	22	use	use	NOUN
ajbmeb-476	8	23	of	of	ADP
ajbmeb-476	8	24	digital	digital	ADJ
ajbmeb-476	8	25	technologies	technology	NOUN
ajbmeb-476	8	26	in	in	ADP
ajbmeb-476	8	27	banking	banking	NOUN
ajbmeb-476	8	28	activities	activity	NOUN
ajbmeb-476	8	29	,	,	PUNCT
ajbmeb-476	8	30	the	the	DET
ajbmeb-476	8	31	integration	integration	NOUN
ajbmeb-476	8	32	of	of	ADP
ajbmeb-476	8	33	its	its	PRON
ajbmeb-476	8	34	database	database	NOUN
ajbmeb-476	8	35	with	with	ADP
ajbmeb-476	8	36	the	the	DET
ajbmeb-476	8	37	database	database	NOUN
ajbmeb-476	8	38	of	of	ADP
ajbmeb-476	8	39	state	state	NOUN
ajbmeb-476	8	40	bodies	body	NOUN
ajbmeb-476	8	41	and	and	CCONJ
ajbmeb-476	8	42	utilities	utility	NOUN
ajbmeb-476	8	43	,	,	PUNCT
ajbmeb-476	8	44	as	as	ADV
ajbmeb-476	8	45	well	well	ADV
ajbmeb-476	8	46	as	as	ADP
ajbmeb-476	8	47	other	other	ADJ
ajbmeb-476	8	48	organizations	organization	NOUN
ajbmeb-476	8	49	.	.	PUNCT
ajbmeb-476	9	1	the	the	DET
ajbmeb-476	9	2	decree	decree	NOUN
ajbmeb-476	9	3	of	of	ADP
ajbmeb-476	9	4	the	the	DET
ajbmeb-476	9	5	president	president	NOUN
ajbmeb-476	9	6	of	of	ADP
ajbmeb-476	9	7	the	the	DET
ajbmeb-476	9	8	republic	republic	NOUN
ajbmeb-476	9	9	of	of	ADP
ajbmeb-476	9	10	uzbekistan	uzbekistan	PROPN
ajbmeb-476	9	11	"	"	PUNCT
ajbmeb-476	9	12	on	on	ADP
ajbmeb-476	9	13	the	the	DET
ajbmeb-476	9	14	development	development	NOUN
ajbmeb-476	9	15	strategy	strategy	NOUN
ajbmeb-476	9	16	of	of	ADP
ajbmeb-476	9	17	new	new	ADJ
ajbmeb-476	9	18	uzbekistan	uzbekistan	PROPN
ajbmeb-476	9	19	for	for	ADP
ajbmeb-476	9	20	2022	2022	NUM
ajbmeb-476	9	21	-	-	SYM
ajbmeb-476	9	22	2026	2026	NUM
ajbmeb-476	9	23	"	"	PUNCT
ajbmeb-476	9	24	no	no	NOUN
ajbmeb-476	9	25	.	.	PUNCT
ajbmeb-476	9	26	pf-60	pf-60	PUNCT
ajbmeb-476	9	27	stipulates	stipulate	VERB
ajbmeb-476	9	28	that	that	SCONJ
ajbmeb-476	9	29	"	"	PUNCT
ajbmeb-476	9	30	to	to	PART
ajbmeb-476	9	31	complete	complete	VERB
ajbmeb-476	9	32	the	the	DET
ajbmeb-476	9	33	transformation	transformation	NOUN
ajbmeb-476	9	34	of	of	ADP
ajbmeb-476	9	35	the	the	DET
ajbmeb-476	9	36	banking	banking	NOUN
ajbmeb-476	9	37	system	system	NOUN
ajbmeb-476	9	38	by	by	ADP
ajbmeb-476	9	39	the	the	DET
ajbmeb-476	9	40	end	end	NOUN
ajbmeb-476	9	41	of	of	ADP
ajbmeb-476	9	42	2026	2026	NUM
ajbmeb-476	9	43	,	,	PUNCT
ajbmeb-476	9	44	to	to	PART
ajbmeb-476	9	45	increase	increase	VERB
ajbmeb-476	9	46	the	the	DET
ajbmeb-476	9	47	share	share	NOUN
ajbmeb-476	9	48	of	of	ADP
ajbmeb-476	9	49	private	private	ADJ
ajbmeb-476	9	50	banks	bank	NOUN
ajbmeb-476	9	51	to	to	ADP
ajbmeb-476	9	52	60	60	NUM
ajbmeb-476	9	53	%	%	NOUN
ajbmeb-476	9	54	of	of	ADP
ajbmeb-476	9	55	total	total	ADJ
ajbmeb-476	9	56	bank	bank	NOUN
ajbmeb-476	9	57	assets	asset	NOUN
ajbmeb-476	9	58	in	in	ADP
ajbmeb-476	9	59	2025"[1	2025"[1	NUM
ajbmeb-476	9	60	]	]	PUNCT
ajbmeb-476	9	61	,	,	PUNCT
ajbmeb-476	9	62	in	in	ADP
ajbmeb-476	9	63	this	this	DET
ajbmeb-476	9	64	regard	regard	NOUN
ajbmeb-476	9	65	,	,	PUNCT
ajbmeb-476	9	66	the	the	DET
ajbmeb-476	9	67	banking	banking	NOUN
ajbmeb-476	9	68	system	system	NOUN
ajbmeb-476	9	69	has	have	VERB
ajbmeb-476	9	70	to	to	PART
ajbmeb-476	9	71	perform	perform	VERB
ajbmeb-476	9	72	a	a	DET
ajbmeb-476	9	73	number	number	NOUN
ajbmeb-476	9	74	of	of	ADP
ajbmeb-476	9	75	tasks	task	NOUN
ajbmeb-476	9	76	.	.	PUNCT
ajbmeb-476	10	1	therefore	therefore	ADV
ajbmeb-476	10	2	,	,	PUNCT
ajbmeb-476	10	3	it	it	PRON
ajbmeb-476	10	4	is	be	AUX
ajbmeb-476	10	5	one	one	NUM
ajbmeb-476	10	6	of	of	ADP
ajbmeb-476	10	7	the	the	DET
ajbmeb-476	10	8	urgent	urgent	ADJ
ajbmeb-476	10	9	issues	issue	NOUN
ajbmeb-476	10	10	to	to	PART
ajbmeb-476	10	11	deeply	deeply	ADV
ajbmeb-476	10	12	analyze	analyze	VERB
ajbmeb-476	10	13	and	and	CCONJ
ajbmeb-476	10	14	clarify	clarify	VERB
ajbmeb-476	10	15	the	the	DET
ajbmeb-476	10	16	meaning	meaning	NOUN
ajbmeb-476	10	17	and	and	CCONJ
ajbmeb-476	10	18	essence	essence	NOUN
ajbmeb-476	10	19	of	of	ADP
ajbmeb-476	10	20	the	the	DET
ajbmeb-476	10	21	concept	concept	NOUN
ajbmeb-476	10	22	of	of	ADP
ajbmeb-476	10	23	digitalization	digitalization	NOUN
ajbmeb-476	10	24	of	of	ADP
ajbmeb-476	10	25	banking	banking	NOUN
ajbmeb-476	10	26	activities	activity	NOUN
ajbmeb-476	10	27	.	.	PUNCT
ajbmeb-476	11	1	digitization	digitization	NOUN
ajbmeb-476	11	2	of	of	ADP
ajbmeb-476	11	3	banking	banking	NOUN
ajbmeb-476	11	4	activities	activity	NOUN
ajbmeb-476	11	5	is	be	AUX
ajbmeb-476	11	6	the	the	DET
ajbmeb-476	11	7	main	main	ADJ
ajbmeb-476	11	8	driver	driver	NOUN
ajbmeb-476	11	9	of	of	ADP
ajbmeb-476	11	10	the	the	DET
ajbmeb-476	11	11	development	development	NOUN
ajbmeb-476	11	12	of	of	ADP
ajbmeb-476	11	13	the	the	DET
ajbmeb-476	11	14	banking	banking	NOUN
ajbmeb-476	11	15	system	system	NOUN
ajbmeb-476	11	16	and	and	CCONJ
ajbmeb-476	11	17	increases	increase	VERB
ajbmeb-476	11	18	mutual	mutual	ADJ
ajbmeb-476	11	19	trust	trust	NOUN
ajbmeb-476	11	20	and	and	CCONJ
ajbmeb-476	11	21	transparency	transparency	NOUN
ajbmeb-476	11	22	between	between	ADP
ajbmeb-476	11	23	the	the	DET
ajbmeb-476	11	24	bank	bank	NOUN
ajbmeb-476	11	25	and	and	CCONJ
ajbmeb-476	11	26	the	the	DET
ajbmeb-476	11	27	client	client	NOUN
ajbmeb-476	11	28	.	.	PUNCT
ajbmeb-476	12	1	thematic	thematic	ADJ
ajbmeb-476	12	2	literature	literature	NOUN
ajbmeb-476	12	3	analysis	analysis	NOUN
ajbmeb-476	12	4	the	the	DET
ajbmeb-476	12	5	word	word	NOUN
ajbmeb-476	12	6	"	"	PUNCT
ajbmeb-476	12	7	digitalization	digitalization	NOUN
ajbmeb-476	12	8	"	"	PUNCT
ajbmeb-476	12	9	is	be	AUX
ajbmeb-476	12	10	actually	actually	ADV
ajbmeb-476	12	11	a	a	DET
ajbmeb-476	12	12	new	new	ADJ
ajbmeb-476	12	13	term	term	NOUN
ajbmeb-476	12	14	,	,	PUNCT
ajbmeb-476	12	15	which	which	PRON
ajbmeb-476	12	16	refers	refer	VERB
ajbmeb-476	12	17	to	to	ADP
ajbmeb-476	12	18	the	the	DET
ajbmeb-476	12	19	widespread	widespread	ADJ
ajbmeb-476	12	20	use	use	NOUN
ajbmeb-476	12	21	of	of	ADP
ajbmeb-476	12	22	information	information	NOUN
ajbmeb-476	12	23	technology	technology	NOUN
ajbmeb-476	12	24	in	in	ADP
ajbmeb-476	12	25	all	all	DET
ajbmeb-476	12	26	systems	system	NOUN
ajbmeb-476	12	27	,	,	PUNCT
ajbmeb-476	12	28	from	from	ADP
ajbmeb-476	12	29	electronic	electronic	ADJ
ajbmeb-476	12	30	payments	payment	NOUN
ajbmeb-476	12	31	to	to	ADP
ajbmeb-476	12	32	remote	remote	ADJ
ajbmeb-476	12	33	banking	banking	NOUN
ajbmeb-476	12	34	services	service	NOUN
ajbmeb-476	12	35	and	and	CCONJ
ajbmeb-476	12	36	e	e	NOUN
ajbmeb-476	12	37	-	-	NOUN
ajbmeb-476	12	38	government	government	NOUN
ajbmeb-476	12	39	,	,	PUNCT
ajbmeb-476	12	40	as	as	ADP
ajbmeb-476	12	41	a	a	DET
ajbmeb-476	12	42	result	result	NOUN
ajbmeb-476	12	43	of	of	ADP
ajbmeb-476	12	44	the	the	DET
ajbmeb-476	12	45	introduction	introduction	NOUN
ajbmeb-476	12	46	and	and	CCONJ
ajbmeb-476	12	47	effective	effective	ADJ
ajbmeb-476	12	48	use	use	NOUN
ajbmeb-476	12	49	of	of	ADP
ajbmeb-476	12	50	it	it	PRON
ajbmeb-476	12	51	programs	program	NOUN
ajbmeb-476	12	52	in	in	ADP
ajbmeb-476	12	53	management	management	NOUN
ajbmeb-476	12	54	and	and	CCONJ
ajbmeb-476	12	55	administration	administration	NOUN
ajbmeb-476	12	56	[	[	X
ajbmeb-476	12	57	2	2	NUM
ajbmeb-476	12	58	]	]	PUNCT
ajbmeb-476	12	59	.	.	PUNCT
ajbmeb-476	13	1	american	american	PROPN
ajbmeb-476	13	2	journal	journal	PROPN
ajbmeb-476	13	3	of	of	ADP
ajbmeb-476	13	4	business	business	NOUN
ajbmeb-476	13	5	management	management	NOUN
ajbmeb-476	13	6	,	,	PUNCT
ajbmeb-476	13	7	economics	economic	NOUN
ajbmeb-476	13	8	and	and	CCONJ
ajbmeb-476	13	9	banking	banking	NOUN
ajbmeb-476	13	10	volume	volume	NOUN
ajbmeb-476	13	11	10	10	NUM
ajbmeb-476	13	12	march	march	NOUN
ajbmeb-476	13	13	,	,	PUNCT
ajbmeb-476	13	14	2023	2023	NUM
ajbmeb-476	13	15	p	p	NOUN
ajbmeb-476	13	16	a	a	DET
ajbmeb-476	13	17	g	g	NOUN
ajbmeb-476	13	18	e	e	NOUN
ajbmeb-476	13	19	|	|	ADV
ajbmeb-476	13	20	39	39	NUM
ajbmeb-476	13	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-476	13	22	during	during	ADP
ajbmeb-476	13	23	the	the	DET
ajbmeb-476	13	24	development	development	NOUN
ajbmeb-476	13	25	of	of	ADP
ajbmeb-476	13	26	information	information	NOUN
ajbmeb-476	13	27	technologies	technology	NOUN
ajbmeb-476	13	28	in	in	ADP
ajbmeb-476	13	29	the	the	DET
ajbmeb-476	13	30	world	world	NOUN
ajbmeb-476	13	31	,	,	PUNCT
ajbmeb-476	13	32	the	the	DET
ajbmeb-476	13	33	term	term	NOUN
ajbmeb-476	13	34	digital	digital	ADJ
ajbmeb-476	13	35	economy	economy	NOUN
ajbmeb-476	13	36	appeared	appear	VERB
ajbmeb-476	13	37	,	,	PUNCT
ajbmeb-476	13	38	and	and	CCONJ
ajbmeb-476	13	39	this	this	DET
ajbmeb-476	13	40	term	term	NOUN
ajbmeb-476	13	41	was	be	AUX
ajbmeb-476	13	42	first	first	ADV
ajbmeb-476	13	43	used	use	VERB
ajbmeb-476	13	44	by	by	ADP
ajbmeb-476	13	45	the	the	DET
ajbmeb-476	13	46	canadian	canadian	ADJ
ajbmeb-476	13	47	scientist	scientist	NOUN
ajbmeb-476	13	48	don	don	PROPN
ajbmeb-476	13	49	tapscott	tapscott	PROPN
ajbmeb-476	13	50	in	in	ADP
ajbmeb-476	13	51	the	the	DET
ajbmeb-476	13	52	book	book	NOUN
ajbmeb-476	13	53	"	"	PUNCT
ajbmeb-476	13	54	electronic	electronic	ADJ
ajbmeb-476	13	55	digital	digital	ADJ
ajbmeb-476	13	56	society	society	NOUN
ajbmeb-476	13	57	:	:	PUNCT
ajbmeb-476	13	58	advantages	advantage	NOUN
ajbmeb-476	13	59	and	and	CCONJ
ajbmeb-476	13	60	disadvantages	disadvantage	NOUN
ajbmeb-476	13	61	of	of	ADP
ajbmeb-476	13	62	the	the	DET
ajbmeb-476	13	63	network	network	NOUN
ajbmeb-476	13	64	age	age	NOUN
ajbmeb-476	13	65	"	"	PUNCT
ajbmeb-476	13	66	in	in	ADP
ajbmeb-476	13	67	1995	1995	NUM
ajbmeb-476	13	68	.	.	PUNCT
ajbmeb-476	14	1	in	in	ADP
ajbmeb-476	14	2	his	his	PRON
ajbmeb-476	14	3	opinion	opinion	NOUN
ajbmeb-476	14	4	,	,	PUNCT
ajbmeb-476	14	5	the	the	DET
ajbmeb-476	14	6	main	main	ADJ
ajbmeb-476	14	7	factor	factor	NOUN
ajbmeb-476	14	8	in	in	ADP
ajbmeb-476	14	9	the	the	DET
ajbmeb-476	14	10	digital	digital	ADJ
ajbmeb-476	14	11	transformation	transformation	NOUN
ajbmeb-476	14	12	of	of	ADP
ajbmeb-476	14	13	the	the	DET
ajbmeb-476	14	14	activities	activity	NOUN
ajbmeb-476	14	15	of	of	ADP
ajbmeb-476	14	16	market	market	NOUN
ajbmeb-476	14	17	entities	entity	NOUN
ajbmeb-476	14	18	is	be	AUX
ajbmeb-476	14	19	the	the	DET
ajbmeb-476	14	20	development	development	NOUN
ajbmeb-476	14	21	of	of	ADP
ajbmeb-476	14	22	digital	digital	ADJ
ajbmeb-476	14	23	culture	culture	NOUN
ajbmeb-476	14	24	.	.	PUNCT
ajbmeb-476	15	1	is	be	AUX
ajbmeb-476	15	2	[	[	X
ajbmeb-476	15	3	3	3	NUM
ajbmeb-476	15	4	]	]	PUNCT
ajbmeb-476	15	5	.	.	PUNCT
ajbmeb-476	16	1	in	in	ADP
ajbmeb-476	16	2	1995	1995	NUM
ajbmeb-476	16	3	,	,	PUNCT
ajbmeb-476	16	4	american	american	ADJ
ajbmeb-476	16	5	programmer	programmer	NOUN
ajbmeb-476	16	6	nicholas	nicholas	PROPN
ajbmeb-476	16	7	negroponte	negroponte	PROPN
ajbmeb-476	16	8	introduced	introduce	VERB
ajbmeb-476	16	9	the	the	DET
ajbmeb-476	16	10	term	term	NOUN
ajbmeb-476	16	11	"	"	PUNCT
ajbmeb-476	16	12	digital	digital	ADJ
ajbmeb-476	16	13	economy	economy	NOUN
ajbmeb-476	16	14	"	"	PUNCT
ajbmeb-476	16	15	into	into	ADP
ajbmeb-476	16	16	practice	practice	NOUN
ajbmeb-476	16	17	.	.	PUNCT
ajbmeb-476	17	1	currently	currently	ADV
ajbmeb-476	17	2	,	,	PUNCT
ajbmeb-476	17	3	this	this	DET
ajbmeb-476	17	4	occupation	occupation	NOUN
ajbmeb-476	17	5	is	be	AUX
ajbmeb-476	17	6	used	use	VERB
ajbmeb-476	17	7	by	by	ADP
ajbmeb-476	17	8	politicians	politician	NOUN
ajbmeb-476	17	9	,	,	PUNCT
ajbmeb-476	17	10	economists	economist	NOUN
ajbmeb-476	17	11	,	,	PUNCT
ajbmeb-476	17	12	journalists	journalist	NOUN
ajbmeb-476	17	13	,	,	PUNCT
ajbmeb-476	17	14	entrepreneurs	entrepreneur	NOUN
ajbmeb-476	17	15	from	from	ADP
ajbmeb-476	17	16	all	all	ADV
ajbmeb-476	17	17	over	over	ADP
ajbmeb-476	17	18	the	the	DET
ajbmeb-476	17	19	world	world	NOUN
ajbmeb-476	17	20	almost	almost	ADV
ajbmeb-476	17	21	all	all	PRON
ajbmeb-476	17	22	.	.	PUNCT
ajbmeb-476	18	1	in	in	ADP
ajbmeb-476	18	2	2016	2016	NUM
ajbmeb-476	18	3	,	,	PUNCT
ajbmeb-476	18	4	the	the	DET
ajbmeb-476	18	5	world	world	NOUN
ajbmeb-476	18	6	bank	bank	PROPN
ajbmeb-476	18	7	published	publish	VERB
ajbmeb-476	18	8	its	its	PRON
ajbmeb-476	18	9	first	first	ADJ
ajbmeb-476	18	10	ever	ever	ADJ
ajbmeb-476	18	11	report	report	NOUN
ajbmeb-476	18	12	on	on	ADP
ajbmeb-476	18	13	the	the	DET
ajbmeb-476	18	14	state	state	NOUN
ajbmeb-476	18	15	of	of	ADP
ajbmeb-476	18	16	the	the	DET
ajbmeb-476	18	17	digital	digital	ADJ
ajbmeb-476	18	18	economy	economy	NOUN
ajbmeb-476	18	19	in	in	ADP
ajbmeb-476	18	20	the	the	DET
ajbmeb-476	18	21	world	world	NOUN
ajbmeb-476	18	22	.	.	PUNCT
ajbmeb-476	19	1	the	the	DET
ajbmeb-476	19	2	theory	theory	NOUN
ajbmeb-476	19	3	of	of	ADP
ajbmeb-476	19	4	digital	digital	ADJ
ajbmeb-476	19	5	economics	economic	NOUN
ajbmeb-476	19	6	is	be	AUX
ajbmeb-476	19	7	in	in	ADP
ajbmeb-476	19	8	its	its	PRON
ajbmeb-476	19	9	period	period	NOUN
ajbmeb-476	19	10	of	of	ADP
ajbmeb-476	19	11	development	development	NOUN
ajbmeb-476	19	12	,	,	PUNCT
ajbmeb-476	19	13	since	since	SCONJ
ajbmeb-476	19	14	the	the	DET
ajbmeb-476	19	15	transition	transition	NOUN
ajbmeb-476	19	16	of	of	ADP
ajbmeb-476	19	17	civilization	civilization	NOUN
ajbmeb-476	19	18	to	to	ADP
ajbmeb-476	19	19	the	the	DET
ajbmeb-476	19	20	stage	stage	NOUN
ajbmeb-476	19	21	of	of	ADP
ajbmeb-476	19	22	digital	digital	ADJ
ajbmeb-476	19	23	information	information	NOUN
ajbmeb-476	19	24	began	begin	VERB
ajbmeb-476	19	25	only	only	ADV
ajbmeb-476	19	26	a	a	DET
ajbmeb-476	19	27	few	few	ADJ
ajbmeb-476	19	28	decades	decade	NOUN
ajbmeb-476	19	29	ago	ago	ADV
ajbmeb-476	19	30	.	.	PUNCT
ajbmeb-476	20	1	in	in	ADP
ajbmeb-476	20	2	the	the	DET
ajbmeb-476	20	3	scientific	scientific	ADJ
ajbmeb-476	20	4	literature	literature	NOUN
ajbmeb-476	20	5	,	,	PUNCT
ajbmeb-476	20	6	the	the	DET
ajbmeb-476	20	7	modern	modern	ADJ
ajbmeb-476	20	8	"	"	PUNCT
ajbmeb-476	20	9	new	new	ADJ
ajbmeb-476	20	10	digital	digital	ADJ
ajbmeb-476	20	11	economy	economy	NOUN
ajbmeb-476	20	12	"	"	PUNCT
ajbmeb-476	20	13	is	be	AUX
ajbmeb-476	20	14	called	call	VERB
ajbmeb-476	20	15	by	by	ADP
ajbmeb-476	20	16	various	various	ADJ
ajbmeb-476	20	17	terms	term	NOUN
ajbmeb-476	20	18	.	.	PUNCT
ajbmeb-476	21	1	for	for	ADP
ajbmeb-476	21	2	example	example	NOUN
ajbmeb-476	21	3	,	,	PUNCT
ajbmeb-476	21	4	"	"	PUNCT
ajbmeb-476	21	5	postindustrial	postindustrial	ADJ
ajbmeb-476	21	6	economics	economic	NOUN
ajbmeb-476	21	7	"	"	PUNCT
ajbmeb-476	21	8	(	(	PUNCT
ajbmeb-476	21	9	d.bell	d.bell	NOUN
ajbmeb-476	21	10	)	)	PUNCT
ajbmeb-476	21	11	,	,	PUNCT
ajbmeb-476	21	12	"	"	PUNCT
ajbmeb-476	21	13	informed	inform	VERB
ajbmeb-476	21	14	economics	economic	NOUN
ajbmeb-476	21	15	"	"	PUNCT
ajbmeb-476	21	16	(	(	PUNCT
ajbmeb-476	21	17	o.toffler	o.toffler	NOUN
ajbmeb-476	21	18	)	)	PUNCT
ajbmeb-476	21	19	,	,	PUNCT
ajbmeb-476	21	20	"	"	PUNCT
ajbmeb-476	21	21	megaeconomics	megaeconomic	NOUN
ajbmeb-476	21	22	"	"	PUNCT
ajbmeb-476	21	23	(	(	PUNCT
ajbmeb-476	21	24	v.kuvaldin	v.kuvaldin	NOUN
ajbmeb-476	21	25	)	)	PUNCT
ajbmeb-476	21	26	,	,	PUNCT
ajbmeb-476	21	27	"	"	PUNCT
ajbmeb-476	21	28	information	information	NOUN
ajbmeb-476	21	29	and	and	CCONJ
ajbmeb-476	21	30	communication	communication	NOUN
ajbmeb-476	21	31	-	-	PUNCT
ajbmeb-476	21	32	based	base	VERB
ajbmeb-476	21	33	economics	economic	NOUN
ajbmeb-476	21	34	"	"	PUNCT
ajbmeb-476	21	35	(	(	PUNCT
ajbmeb-476	21	36	i.niiniluto	i.niiniluto	NOUN
ajbmeb-476	21	37	)	)	PUNCT
ajbmeb-476	21	38	,	,	PUNCT
ajbmeb-476	21	39	"	"	PUNCT
ajbmeb-476	21	40	technoeconomics	technoeconomic	NOUN
ajbmeb-476	21	41	or	or	CCONJ
ajbmeb-476	21	42	digital	digital	ADJ
ajbmeb-476	21	43	economics	economic	NOUN
ajbmeb-476	21	44	"	"	PUNCT
ajbmeb-476	21	45	(	(	PUNCT
ajbmeb-476	21	46	b.geis	b.geis	NOUN
ajbmeb-476	21	47	)	)	PUNCT
ajbmeb-476	21	48	,	,	PUNCT
ajbmeb-476	21	49	"	"	PUNCT
ajbmeb-476	21	50	knowledge	knowledge	NOUN
ajbmeb-476	21	51	-	-	PUNCT
ajbmeb-476	21	52	based	base	VERB
ajbmeb-476	21	53	economics	economic	NOUN
ajbmeb-476	21	54	"	"	PUNCT
ajbmeb-476	21	55	(	(	PUNCT
ajbmeb-476	21	56	d.tapscott	d.tapscott	PROPN
ajbmeb-476	21	57	)	)	PUNCT
ajbmeb-476	21	58	.	.	PUNCT
ajbmeb-476	22	1	digitization	digitization	NOUN
ajbmeb-476	22	2	of	of	ADP
ajbmeb-476	22	3	the	the	DET
ajbmeb-476	22	4	economy	economy	NOUN
ajbmeb-476	22	5	is	be	AUX
ajbmeb-476	22	6	difficult	difficult	ADJ
ajbmeb-476	22	7	to	to	PART
ajbmeb-476	22	8	imagine	imagine	VERB
ajbmeb-476	22	9	without	without	ADP
ajbmeb-476	22	10	digitization	digitization	NOUN
ajbmeb-476	22	11	of	of	ADP
ajbmeb-476	22	12	the	the	DET
ajbmeb-476	22	13	banking	banking	NOUN
ajbmeb-476	22	14	system	system	NOUN
ajbmeb-476	22	15	,	,	PUNCT
ajbmeb-476	22	16	since	since	SCONJ
ajbmeb-476	22	17	the	the	DET
ajbmeb-476	22	18	banking	banking	NOUN
ajbmeb-476	22	19	system	system	NOUN
ajbmeb-476	22	20	is	be	AUX
ajbmeb-476	22	21	the	the	DET
ajbmeb-476	22	22	locomotive	locomotive	NOUN
ajbmeb-476	22	23	of	of	ADP
ajbmeb-476	22	24	the	the	DET
ajbmeb-476	22	25	economy	economy	NOUN
ajbmeb-476	22	26	.	.	PUNCT
ajbmeb-476	23	1	in	in	ADP
ajbmeb-476	23	2	1983	1983	NUM
ajbmeb-476	23	3	,	,	PUNCT
ajbmeb-476	23	4	a	a	DET
ajbmeb-476	23	5	homelink	homelink	NOUN
ajbmeb-476	23	6	system	system	NOUN
ajbmeb-476	23	7	was	be	AUX
ajbmeb-476	23	8	created	create	VERB
ajbmeb-476	23	9	in	in	ADP
ajbmeb-476	23	10	the	the	DET
ajbmeb-476	23	11	united	united	ADJ
ajbmeb-476	23	12	kingdom	kingdom	PROPN
ajbmeb-476	23	13	,	,	PUNCT
ajbmeb-476	23	14	allowing	allow	VERB
ajbmeb-476	23	15	bank	bank	NOUN
ajbmeb-476	23	16	customers	customer	NOUN
ajbmeb-476	23	17	to	to	PART
ajbmeb-476	23	18	check	check	VERB
ajbmeb-476	23	19	their	their	PRON
ajbmeb-476	23	20	deposits	deposit	NOUN
ajbmeb-476	23	21	by	by	ADP
ajbmeb-476	23	22	phone	phone	NOUN
ajbmeb-476	23	23	connected	connect	VERB
ajbmeb-476	23	24	to	to	ADP
ajbmeb-476	23	25	a	a	DET
ajbmeb-476	23	26	computer	computer	NOUN
ajbmeb-476	23	27	,	,	PUNCT
ajbmeb-476	23	28	make	make	VERB
ajbmeb-476	23	29	payments	payment	NOUN
ajbmeb-476	23	30	and	and	CCONJ
ajbmeb-476	23	31	transfers	transfer	NOUN
ajbmeb-476	23	32	from	from	ADP
ajbmeb-476	23	33	a	a	DET
ajbmeb-476	23	34	bank	bank	NOUN
ajbmeb-476	23	35	account	account	NOUN
ajbmeb-476	23	36	.	.	PUNCT
ajbmeb-476	24	1	the	the	DET
ajbmeb-476	24	2	same	same	ADJ
ajbmeb-476	24	3	year	year	NOUN
ajbmeb-476	24	4	,	,	PUNCT
ajbmeb-476	24	5	a	a	DET
ajbmeb-476	24	6	similar	similar	ADJ
ajbmeb-476	24	7	pronto	pronto	NOUN
ajbmeb-476	24	8	system	system	NOUN
ajbmeb-476	24	9	was	be	AUX
ajbmeb-476	24	10	launched	launch	VERB
ajbmeb-476	24	11	in	in	ADP
ajbmeb-476	24	12	the	the	DET
ajbmeb-476	24	13	united	united	PROPN
ajbmeb-476	24	14	states	states	PROPN
ajbmeb-476	24	15	.	.	PUNCT
ajbmeb-476	25	1	but	but	CCONJ
ajbmeb-476	25	2	people	people	NOUN
ajbmeb-476	25	3	looked	look	VERB
ajbmeb-476	25	4	at	at	ADP
ajbmeb-476	25	5	homelink	homelink	NOUN
ajbmeb-476	25	6	and	and	CCONJ
ajbmeb-476	25	7	pronto	pronto	NOUN
ajbmeb-476	25	8	systems	system	NOUN
ajbmeb-476	25	9	with	with	ADP
ajbmeb-476	25	10	distrust	distrust	NOUN
ajbmeb-476	25	11	,	,	PUNCT
ajbmeb-476	25	12	but	but	CCONJ
ajbmeb-476	25	13	with	with	ADP
ajbmeb-476	25	14	the	the	DET
ajbmeb-476	25	15	spread	spread	NOUN
ajbmeb-476	25	16	of	of	ADP
ajbmeb-476	25	17	the	the	DET
ajbmeb-476	25	18	internet	internet	NOUN
ajbmeb-476	25	19	,	,	PUNCT
ajbmeb-476	25	20	the	the	DET
ajbmeb-476	25	21	widespread	widespread	ADJ
ajbmeb-476	25	22	use	use	NOUN
ajbmeb-476	25	23	of	of	ADP
ajbmeb-476	25	24	these	these	DET
ajbmeb-476	25	25	systems	system	NOUN
ajbmeb-476	25	26	began	begin	VERB
ajbmeb-476	25	27	.	.	PUNCT
ajbmeb-476	26	1	a	a	DET
ajbmeb-476	26	2	number	number	NOUN
ajbmeb-476	26	3	of	of	ADP
ajbmeb-476	26	4	economist	economist	NOUN
ajbmeb-476	26	5	scholars	scholar	NOUN
ajbmeb-476	26	6	have	have	AUX
ajbmeb-476	26	7	given	give	VERB
ajbmeb-476	26	8	their	their	PRON
ajbmeb-476	26	9	own	own	ADJ
ajbmeb-476	26	10	definitions	definition	NOUN
ajbmeb-476	26	11	of	of	ADP
ajbmeb-476	26	12	digital	digital	ADJ
ajbmeb-476	26	13	transformation	transformation	NOUN
ajbmeb-476	26	14	.	.	PUNCT
ajbmeb-476	27	1	in	in	ADP
ajbmeb-476	27	2	particular	particular	ADJ
ajbmeb-476	27	3	,	,	PUNCT
ajbmeb-476	27	4	foreign	foreign	ADJ
ajbmeb-476	27	5	economists	economist	NOUN
ajbmeb-476	27	6	t.	t.	PROPN
ajbmeb-476	27	7	ablyazov	ablyazov	PROPN
ajbmeb-476	27	8	,	,	PUNCT
ajbmeb-476	27	9	v.asaul	v.asaul	PROPN
ajbmeb-476	27	10	believes	believe	VERB
ajbmeb-476	27	11	that	that	SCONJ
ajbmeb-476	27	12	the	the	DET
ajbmeb-476	27	13	process	process	NOUN
ajbmeb-476	27	14	of	of	ADP
ajbmeb-476	27	15	digital	digital	ADJ
ajbmeb-476	27	16	transformation	transformation	NOUN
ajbmeb-476	27	17	implies	imply	VERB
ajbmeb-476	27	18	the	the	DET
ajbmeb-476	27	19	use	use	NOUN
ajbmeb-476	27	20	of	of	ADP
ajbmeb-476	27	21	digital	digital	ADJ
ajbmeb-476	27	22	technologies	technology	NOUN
ajbmeb-476	27	23	to	to	PART
ajbmeb-476	27	24	improve	improve	VERB
ajbmeb-476	27	25	existing	exist	VERB
ajbmeb-476	27	26	business	business	NOUN
ajbmeb-476	27	27	models	model	NOUN
ajbmeb-476	27	28	,	,	PUNCT
ajbmeb-476	27	29	as	as	ADV
ajbmeb-476	27	30	well	well	ADV
ajbmeb-476	27	31	as	as	ADP
ajbmeb-476	27	32	improve	improve	VERB
ajbmeb-476	27	33	performance	performance	NOUN
ajbmeb-476	27	34	.	.	PUNCT
ajbmeb-476	28	1	this	this	DET
ajbmeb-476	28	2	process	process	NOUN
ajbmeb-476	28	3	involves	involve	VERB
ajbmeb-476	28	4	the	the	DET
ajbmeb-476	28	5	continuous	continuous	ADJ
ajbmeb-476	28	6	introduction	introduction	NOUN
ajbmeb-476	28	7	of	of	ADP
ajbmeb-476	28	8	innovational	innovational	ADJ
ajbmeb-476	28	9	technologies	technology	NOUN
ajbmeb-476	28	10	,	,	PUNCT
ajbmeb-476	28	11	which	which	PRON
ajbmeb-476	28	12	leads	lead	VERB
ajbmeb-476	28	13	to	to	ADP
ajbmeb-476	28	14	a	a	DET
ajbmeb-476	28	15	complete	complete	ADJ
ajbmeb-476	28	16	digital	digital	ADJ
ajbmeb-476	28	17	transformation	transformation	NOUN
ajbmeb-476	28	18	of	of	ADP
ajbmeb-476	28	19	the	the	DET
ajbmeb-476	28	20	entire	entire	ADJ
ajbmeb-476	28	21	economy	economy	NOUN
ajbmeb-476	28	22	[	[	X
ajbmeb-476	28	23	4	4	NUM
ajbmeb-476	28	24	]	]	PUNCT
ajbmeb-476	28	25	.	.	PUNCT
ajbmeb-476	29	1	among	among	ADP
ajbmeb-476	29	2	the	the	DET
ajbmeb-476	29	3	scientists	scientist	NOUN
ajbmeb-476	29	4	who	who	PRON
ajbmeb-476	29	5	are	be	AUX
ajbmeb-476	29	6	engaged	engage	VERB
ajbmeb-476	29	7	in	in	ADP
ajbmeb-476	29	8	the	the	DET
ajbmeb-476	29	9	problems	problem	NOUN
ajbmeb-476	29	10	of	of	ADP
ajbmeb-476	29	11	transformation	transformation	NOUN
ajbmeb-476	29	12	and	and	CCONJ
ajbmeb-476	29	13	digitization	digitization	NOUN
ajbmeb-476	29	14	of	of	ADP
ajbmeb-476	29	15	banking	banking	NOUN
ajbmeb-476	29	16	business	business	NOUN
ajbmeb-476	29	17	in	in	ADP
ajbmeb-476	29	18	modern	modern	ADJ
ajbmeb-476	29	19	conditions	condition	NOUN
ajbmeb-476	29	20	,	,	PUNCT
ajbmeb-476	29	21	we	we	PRON
ajbmeb-476	29	22	can	can	AUX
ajbmeb-476	29	23	give	give	VERB
ajbmeb-476	29	24	an	an	DET
ajbmeb-476	29	25	example	example	NOUN
ajbmeb-476	29	26	of	of	ADP
ajbmeb-476	29	27	a.i.serebrennikova	a.i.serebrennikova	PROPN
ajbmeb-476	29	28	,	,	PUNCT
ajbmeb-476	29	29	n.e.sokolinskaya	n.e.sokolinskaya	PROPN
ajbmeb-476	29	30	research	research	NOUN
ajbmeb-476	29	31	.	.	PUNCT
ajbmeb-476	30	1	the	the	DET
ajbmeb-476	30	2	authors	author	NOUN
ajbmeb-476	30	3	note	note	VERB
ajbmeb-476	30	4	the	the	DET
ajbmeb-476	30	5	complexity	complexity	NOUN
ajbmeb-476	30	6	of	of	ADP
ajbmeb-476	30	7	the	the	DET
ajbmeb-476	30	8	transformational	transformational	ADJ
ajbmeb-476	30	9	period	period	NOUN
ajbmeb-476	30	10	,	,	PUNCT
ajbmeb-476	30	11	noting	note	VERB
ajbmeb-476	30	12	the	the	DET
ajbmeb-476	30	13	need	need	NOUN
ajbmeb-476	30	14	for	for	ADP
ajbmeb-476	30	15	modernization	modernization	NOUN
ajbmeb-476	30	16	and	and	CCONJ
ajbmeb-476	30	17	innovation	innovation	NOUN
ajbmeb-476	30	18	in	in	ADP
ajbmeb-476	30	19	banking	banking	NOUN
ajbmeb-476	30	20	practice	practice	NOUN
ajbmeb-476	30	21	.	.	PUNCT
ajbmeb-476	31	1	such	such	DET
ajbmeb-476	31	2	a	a	DET
ajbmeb-476	31	3	transformation	transformation	NOUN
ajbmeb-476	31	4	is	be	AUX
ajbmeb-476	31	5	accompanied	accompany	VERB
ajbmeb-476	31	6	by	by	ADP
ajbmeb-476	31	7	increased	increase	VERB
ajbmeb-476	31	8	attention	attention	NOUN
ajbmeb-476	31	9	by	by	ADP
ajbmeb-476	31	10	the	the	DET
ajbmeb-476	31	11	banking	banking	NOUN
ajbmeb-476	31	12	sector	sector	NOUN
ajbmeb-476	31	13	to	to	ADP
ajbmeb-476	31	14	the	the	DET
ajbmeb-476	31	15	risks	risk	NOUN
ajbmeb-476	31	16	inherent	inherent	ADJ
ajbmeb-476	31	17	in	in	ADP
ajbmeb-476	31	18	it	it	PRON
ajbmeb-476	31	19	[	[	X
ajbmeb-476	31	20	5	5	NUM
ajbmeb-476	31	21	]	]	PUNCT
ajbmeb-476	31	22	.	.	PUNCT
ajbmeb-476	32	1	uzbekistan	uzbekistan	PROPN
ajbmeb-476	32	2	economist	economist	NOUN
ajbmeb-476	32	3	scientists	scientist	NOUN
ajbmeb-476	32	4	,	,	PUNCT
ajbmeb-476	32	5	doctor	doctor	NOUN
ajbmeb-476	32	6	of	of	ADP
ajbmeb-476	32	7	economic	economic	ADJ
ajbmeb-476	32	8	sciences	science	NOUN
ajbmeb-476	32	9	,	,	PUNCT
ajbmeb-476	32	10	professor	professor	NOUN
ajbmeb-476	32	11	,	,	PUNCT
ajbmeb-476	32	12	n.x.jumaev	n.x.jumaev	ADV
ajbmeb-476	32	13	stated	state	VERB
ajbmeb-476	32	14	that	that	SCONJ
ajbmeb-476	32	15	"	"	PUNCT
ajbmeb-476	32	16	in	in	ADP
ajbmeb-476	32	17	the	the	DET
ajbmeb-476	32	18	digital	digital	ADJ
ajbmeb-476	32	19	economy	economy	NOUN
ajbmeb-476	32	20	,	,	PUNCT
ajbmeb-476	32	21	it	it	PRON
ajbmeb-476	32	22	can	can	AUX
ajbmeb-476	32	23	be	be	AUX
ajbmeb-476	32	24	used	use	VERB
ajbmeb-476	32	25	to	to	PART
ajbmeb-476	32	26	reduce	reduce	VERB
ajbmeb-476	32	27	cost	cost	NOUN
ajbmeb-476	32	28	,	,	PUNCT
ajbmeb-476	32	29	resulting	result	VERB
ajbmeb-476	32	30	in	in	ADP
ajbmeb-476	32	31	optimization	optimization	NOUN
ajbmeb-476	32	32	and	and	CCONJ
ajbmeb-476	32	33	increased	increase	VERB
ajbmeb-476	32	34	efficiency	efficiency	NOUN
ajbmeb-476	32	35	.	.	PUNCT
ajbmeb-476	33	1	in	in	ADP
ajbmeb-476	33	2	the	the	DET
ajbmeb-476	33	3	digital	digital	ADJ
ajbmeb-476	33	4	economy	economy	NOUN
ajbmeb-476	33	5	,	,	PUNCT
ajbmeb-476	33	6	modern	modern	ADJ
ajbmeb-476	33	7	scientific	scientific	ADJ
ajbmeb-476	33	8	approaches	approach	NOUN
ajbmeb-476	33	9	and	and	CCONJ
ajbmeb-476	33	10	innovations	innovation	NOUN
ajbmeb-476	33	11	will	will	AUX
ajbmeb-476	33	12	be	be	AUX
ajbmeb-476	33	13	important	important	ADJ
ajbmeb-476	33	14	and	and	CCONJ
ajbmeb-476	33	15	priority	priority	NOUN
ajbmeb-476	33	16	"	"	PUNCT
ajbmeb-476	33	17	[	[	X
ajbmeb-476	33	18	6	6	NUM
ajbmeb-476	33	19	]	]	PUNCT
ajbmeb-476	33	20	.	.	PUNCT
ajbmeb-476	34	1	according	accord	VERB
ajbmeb-476	34	2	to	to	ADP
ajbmeb-476	34	3	d.r	d.r	PROPN
ajbmeb-476	34	4	.	.	PROPN
ajbmeb-476	34	5	,yusupova	,yusupova	PUNCT
ajbmeb-476	34	6	and	and	CCONJ
ajbmeb-476	34	7	f.o	f.o	PROPN
ajbmeb-476	34	8	dodiev	dodiev	NOUN
ajbmeb-476	34	9	"	"	PUNCT
ajbmeb-476	34	10	at	at	ADP
ajbmeb-476	34	11	the	the	DET
ajbmeb-476	34	12	same	same	ADJ
ajbmeb-476	34	13	time	time	NOUN
ajbmeb-476	34	14	that	that	PRON
ajbmeb-476	34	15	commercial	commercial	ADJ
ajbmeb-476	34	16	banks	bank	NOUN
ajbmeb-476	34	17	operating	operate	VERB
ajbmeb-476	34	18	in	in	ADP
ajbmeb-476	34	19	uzbekistan	uzbekistan	PROPN
ajbmeb-476	34	20	republic	republic	PROPN
ajbmeb-476	34	21	are	be	AUX
ajbmeb-476	34	22	focusing	focus	VERB
ajbmeb-476	34	23	their	their	PRON
ajbmeb-476	34	24	activities	activity	NOUN
ajbmeb-476	34	25	on	on	ADP
ajbmeb-476	34	26	the	the	DET
ajbmeb-476	34	27	development	development	NOUN
ajbmeb-476	34	28	of	of	ADP
ajbmeb-476	34	29	innovation	innovation	NOUN
ajbmeb-476	34	30	,	,	PUNCT
ajbmeb-476	34	31	the	the	DET
ajbmeb-476	34	32	provision	provision	NOUN
ajbmeb-476	34	33	of	of	ADP
ajbmeb-476	34	34	banking	banking	NOUN
ajbmeb-476	34	35	services	service	NOUN
ajbmeb-476	34	36	using	use	VERB
ajbmeb-476	34	37	financial	financial	ADJ
ajbmeb-476	34	38	technologies	technology	NOUN
ajbmeb-476	34	39	is	be	AUX
ajbmeb-476	34	40	not	not	PART
ajbmeb-476	34	41	in	in	ADP
ajbmeb-476	34	42	demand	demand	NOUN
ajbmeb-476	34	43	,	,	PUNCT
ajbmeb-476	34	44	and	and	CCONJ
ajbmeb-476	34	45	it	it	PRON
ajbmeb-476	34	46	platforms	platform	NOUN
ajbmeb-476	34	47	of	of	ADP
ajbmeb-476	34	48	banks	bank	NOUN
ajbmeb-476	34	49	have	have	AUX
ajbmeb-476	34	50	not	not	PART
ajbmeb-476	34	51	become	become	VERB
ajbmeb-476	34	52	a	a	DET
ajbmeb-476	34	53	full	full	ADV
ajbmeb-476	34	54	-	-	PUNCT
ajbmeb-476	34	55	fledged	fledged	ADJ
ajbmeb-476	34	56	financial	financial	ADJ
ajbmeb-476	34	57	services	service	NOUN
ajbmeb-476	34	58	platform"[7	platform"[7	PROPN
ajbmeb-476	34	59	]	]	PUNCT
ajbmeb-476	34	60	.	.	PUNCT
ajbmeb-476	35	1	in	in	ADP
ajbmeb-476	35	2	2001	2001	NUM
ajbmeb-476	35	3	,	,	PUNCT
ajbmeb-476	35	4	the	the	DET
ajbmeb-476	35	5	bank	bank	PROPN
ajbmeb-476	35	6	of	of	ADP
ajbmeb-476	35	7	america	america	PROPN
ajbmeb-476	35	8	received	receive	VERB
ajbmeb-476	35	9	providing	provide	VERB
ajbmeb-476	35	10	online	online	ADJ
ajbmeb-476	35	11	services	service	NOUN
ajbmeb-476	35	12	in	in	ADP
ajbmeb-476	35	13	the	the	DET
ajbmeb-476	35	14	amount	amount	NOUN
ajbmeb-476	35	15	of	of	ADP
ajbmeb-476	35	16	us	us	PROPN
ajbmeb-476	35	17	dollars	dollar	NOUN
ajbmeb-476	35	18	,	,	PUNCT
ajbmeb-476	35	19	it	it	PRON
ajbmeb-476	35	20	became	become	VERB
ajbmeb-476	35	21	the	the	DET
ajbmeb-476	35	22	first	first	ADJ
ajbmeb-476	35	23	advanced	advanced	ADJ
ajbmeb-476	35	24	bank	bank	NOUN
ajbmeb-476	35	25	in	in	ADP
ajbmeb-476	35	26	the	the	DET
ajbmeb-476	35	27	field	field	NOUN
ajbmeb-476	35	28	of	of	ADP
ajbmeb-476	35	29	electronic	electronic	ADJ
ajbmeb-476	35	30	banking	banking	NOUN
ajbmeb-476	35	31	.	.	PUNCT
ajbmeb-476	36	1	this	this	DET
ajbmeb-476	36	2	bank	bank	NOUN
ajbmeb-476	36	3	opened	open	VERB
ajbmeb-476	36	4	its	its	PRON
ajbmeb-476	36	5	3	3	NUM
ajbmeb-476	36	6	digital	digital	ADJ
ajbmeb-476	36	7	(	(	PUNCT
ajbmeb-476	36	8	neobank	neobank	NOUN
ajbmeb-476	36	9	)	)	PUNCT
ajbmeb-476	36	10	branch	branch	NOUN
ajbmeb-476	36	11	in	in	ADP
ajbmeb-476	36	12	2017[8	2017[8	NUM
ajbmeb-476	36	13	]	]	PUNCT
ajbmeb-476	36	14	.	.	PUNCT
ajbmeb-476	37	1	according	accord	VERB
ajbmeb-476	37	2	to	to	ADP
ajbmeb-476	37	3	the	the	DET
ajbmeb-476	37	4	payments	payment	NOUN
ajbmeb-476	37	5	industry	industry	NOUN
ajbmeb-476	37	6	intelligence	intelligence	NOUN
ajbmeb-476	37	7	portal	portal	NOUN
ajbmeb-476	37	8	,	,	PUNCT
ajbmeb-476	37	9	in	in	ADP
ajbmeb-476	37	10	2018	2018	NUM
ajbmeb-476	37	11	there	there	PRON
ajbmeb-476	37	12	were	be	VERB
ajbmeb-476	37	13	60	60	NUM
ajbmeb-476	37	14	american	american	ADJ
ajbmeb-476	37	15	journal	journal	NOUN
ajbmeb-476	37	16	of	of	ADP
ajbmeb-476	37	17	business	business	NOUN
ajbmeb-476	37	18	management	management	NOUN
ajbmeb-476	37	19	,	,	PUNCT
ajbmeb-476	37	20	economics	economic	NOUN
ajbmeb-476	37	21	and	and	CCONJ
ajbmeb-476	37	22	banking	banking	NOUN
ajbmeb-476	37	23	volume	volume	NOUN
ajbmeb-476	37	24	10	10	NUM
ajbmeb-476	37	25	march	march	NOUN
ajbmeb-476	37	26	,	,	PUNCT
ajbmeb-476	37	27	2023	2023	NUM
ajbmeb-476	37	28	p	p	NOUN
ajbmeb-476	37	29	a	a	DET
ajbmeb-476	37	30	g	g	NOUN
ajbmeb-476	37	31	e	e	NOUN
ajbmeb-476	37	32	|	|	ADV
ajbmeb-476	37	33	40	40	NUM
ajbmeb-476	37	34	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-476	37	35	digital	digital	ADJ
ajbmeb-476	37	36	–	–	PUNCT
ajbmeb-476	37	37	neobanks	neobank	NOUN
ajbmeb-476	37	38	in	in	ADP
ajbmeb-476	37	39	the	the	DET
ajbmeb-476	37	40	world	world	NOUN
ajbmeb-476	37	41	,	,	PUNCT
ajbmeb-476	37	42	the	the	DET
ajbmeb-476	37	43	figure	figure	NOUN
ajbmeb-476	37	44	was	be	AUX
ajbmeb-476	37	45	319	319	NUM
ajbmeb-476	37	46	by	by	ADP
ajbmeb-476	37	47	2021	2021	NUM
ajbmeb-476	37	48	,	,	PUNCT
ajbmeb-476	37	49	with	with	ADP
ajbmeb-476	37	50	electronic	electronic	ADJ
ajbmeb-476	37	51	money	money	NOUN
ajbmeb-476	37	52	accounting	account	VERB
ajbmeb-476	37	53	for	for	ADP
ajbmeb-476	37	54	90	90	NUM
ajbmeb-476	37	55	%	%	NOUN
ajbmeb-476	37	56	of	of	ADP
ajbmeb-476	37	57	the	the	DET
ajbmeb-476	37	58	money	money	NOUN
ajbmeb-476	37	59	they	they	PRON
ajbmeb-476	37	60	use	use	VERB
ajbmeb-476	37	61	[	[	PUNCT
ajbmeb-476	37	62	9	9	NUM
ajbmeb-476	37	63	]	]	PUNCT
ajbmeb-476	37	64	.	.	PUNCT
ajbmeb-476	38	1	based	base	VERB
ajbmeb-476	38	2	on	on	ADP
ajbmeb-476	38	3	the	the	DET
ajbmeb-476	38	4	above	above	NOUN
ajbmeb-476	38	5	,	,	PUNCT
ajbmeb-476	38	6	in	in	ADP
ajbmeb-476	38	7	our	our	PRON
ajbmeb-476	38	8	opinion	opinion	NOUN
ajbmeb-476	38	9	,	,	PUNCT
ajbmeb-476	38	10	digitalization	digitalization	NOUN
ajbmeb-476	38	11	of	of	ADP
ajbmeb-476	38	12	banking	banking	NOUN
ajbmeb-476	38	13	activities	activity	NOUN
ajbmeb-476	38	14	is	be	AUX
ajbmeb-476	38	15	understood	understand	VERB
ajbmeb-476	38	16	as	as	ADP
ajbmeb-476	38	17	the	the	DET
ajbmeb-476	38	18	sum	sum	NOUN
ajbmeb-476	38	19	of	of	ADP
ajbmeb-476	38	20	new	new	ADJ
ajbmeb-476	38	21	approaches	approach	NOUN
ajbmeb-476	38	22	,	,	PUNCT
ajbmeb-476	38	23	methods	method	NOUN
ajbmeb-476	38	24	,	,	PUNCT
ajbmeb-476	38	25	means	mean	NOUN
ajbmeb-476	38	26	of	of	ADP
ajbmeb-476	38	27	carrying	carry	VERB
ajbmeb-476	38	28	out	out	ADP
ajbmeb-476	38	29	banking	banking	NOUN
ajbmeb-476	38	30	activities	activity	NOUN
ajbmeb-476	38	31	in	in	ADP
ajbmeb-476	38	32	improving	improve	VERB
ajbmeb-476	38	33	and	and	CCONJ
ajbmeb-476	38	34	reducing	reduce	VERB
ajbmeb-476	38	35	the	the	DET
ajbmeb-476	38	36	cost	cost	NOUN
ajbmeb-476	38	37	of	of	ADP
ajbmeb-476	38	38	banking	banking	NOUN
ajbmeb-476	38	39	products	product	NOUN
ajbmeb-476	38	40	and	and	CCONJ
ajbmeb-476	38	41	providing	provide	VERB
ajbmeb-476	38	42	banking	banking	NOUN
ajbmeb-476	38	43	products	product	NOUN
ajbmeb-476	38	44	and	and	CCONJ
ajbmeb-476	38	45	services	service	NOUN
ajbmeb-476	38	46	in	in	ADP
ajbmeb-476	38	47	a	a	DET
ajbmeb-476	38	48	digital	digital	ADJ
ajbmeb-476	38	49	(	(	PUNCT
ajbmeb-476	38	50	electronic	electronic	ADJ
ajbmeb-476	38	51	)	)	PUNCT
ajbmeb-476	38	52	way	way	NOUN
ajbmeb-476	38	53	by	by	ADP
ajbmeb-476	38	54	carefully	carefully	ADV
ajbmeb-476	38	55	studying	study	VERB
ajbmeb-476	38	56	the	the	DET
ajbmeb-476	38	57	customer	customer	NOUN
ajbmeb-476	38	58	and	and	CCONJ
ajbmeb-476	38	59	their	their	PRON
ajbmeb-476	38	60	needs	need	NOUN
ajbmeb-476	38	61	on	on	ADP
ajbmeb-476	38	62	the	the	DET
ajbmeb-476	38	63	basis	basis	NOUN
ajbmeb-476	38	64	of	of	ADP
ajbmeb-476	38	65	it	it	PRON
ajbmeb-476	38	66	technologies	technologie	VERB
ajbmeb-476	38	67	.	.	PUNCT
ajbmeb-476	39	1	research	research	NOUN
ajbmeb-476	39	2	methodology	methodology	NOUN
ajbmeb-476	39	3	the	the	DET
ajbmeb-476	39	4	study	study	NOUN
ajbmeb-476	39	5	of	of	ADP
ajbmeb-476	39	6	existing	exist	VERB
ajbmeb-476	39	7	scientific	scientific	ADJ
ajbmeb-476	39	8	research	research	NOUN
ajbmeb-476	39	9	on	on	ADP
ajbmeb-476	39	10	digitization	digitization	NOUN
ajbmeb-476	39	11	of	of	ADP
ajbmeb-476	39	12	commercial	commercial	ADJ
ajbmeb-476	39	13	banking	banking	NOUN
ajbmeb-476	39	14	activities	activity	NOUN
ajbmeb-476	39	15	,	,	PUNCT
ajbmeb-476	39	16	the	the	DET
ajbmeb-476	39	17	study	study	NOUN
ajbmeb-476	39	18	and	and	CCONJ
ajbmeb-476	39	19	economic	economic	ADJ
ajbmeb-476	39	20	comparison	comparison	NOUN
ajbmeb-476	39	21	and	and	CCONJ
ajbmeb-476	39	22	analysis	analysis	NOUN
ajbmeb-476	39	23	of	of	ADP
ajbmeb-476	39	24	the	the	DET
ajbmeb-476	39	25	achievements	achievement	NOUN
ajbmeb-476	39	26	made	make	VERB
ajbmeb-476	39	27	by	by	ADP
ajbmeb-476	39	28	foreign	foreign	ADJ
ajbmeb-476	39	29	banks	bank	NOUN
ajbmeb-476	39	30	in	in	ADP
ajbmeb-476	39	31	this	this	DET
ajbmeb-476	39	32	direction	direction	NOUN
ajbmeb-476	39	33	with	with	ADP
ajbmeb-476	39	34	the	the	DET
ajbmeb-476	39	35	widespread	widespread	ADJ
ajbmeb-476	39	36	introduction	introduction	NOUN
ajbmeb-476	39	37	of	of	ADP
ajbmeb-476	39	38	digital	digital	ADJ
ajbmeb-476	39	39	technologies	technology	NOUN
ajbmeb-476	39	40	in	in	ADP
ajbmeb-476	39	41	the	the	DET
ajbmeb-476	39	42	process	process	NOUN
ajbmeb-476	39	43	of	of	ADP
ajbmeb-476	39	44	transformation	transformation	NOUN
ajbmeb-476	39	45	were	be	AUX
ajbmeb-476	39	46	widely	widely	ADV
ajbmeb-476	39	47	used	use	VERB
ajbmeb-476	39	48	.	.	PUNCT
ajbmeb-476	40	1	analysis	analysis	NOUN
ajbmeb-476	40	2	and	and	CCONJ
ajbmeb-476	40	3	results	result	NOUN
ajbmeb-476	40	4	as	as	ADP
ajbmeb-476	40	5	a	a	DET
ajbmeb-476	40	6	result	result	NOUN
ajbmeb-476	40	7	of	of	ADP
ajbmeb-476	40	8	the	the	DET
ajbmeb-476	40	9	expansion	expansion	NOUN
ajbmeb-476	40	10	of	of	ADP
ajbmeb-476	40	11	the	the	DET
ajbmeb-476	40	12	scope	scope	NOUN
ajbmeb-476	40	13	of	of	ADP
ajbmeb-476	40	14	application	application	NOUN
ajbmeb-476	40	15	of	of	ADP
ajbmeb-476	40	16	digital	digital	ADJ
ajbmeb-476	40	17	technologies	technology	NOUN
ajbmeb-476	40	18	in	in	ADP
ajbmeb-476	40	19	the	the	DET
ajbmeb-476	40	20	socio	socio	NOUN
ajbmeb-476	40	21	-	-	PUNCT
ajbmeb-476	40	22	economic	economic	ADJ
ajbmeb-476	40	23	sphere	sphere	NOUN
ajbmeb-476	40	24	,	,	PUNCT
ajbmeb-476	40	25	banks	bank	NOUN
ajbmeb-476	40	26	are	be	AUX
ajbmeb-476	40	27	becoming	become	VERB
ajbmeb-476	40	28	a	a	DET
ajbmeb-476	40	29	locomotive	locomotive	NOUN
ajbmeb-476	40	30	of	of	ADP
ajbmeb-476	40	31	economic	economic	ADJ
ajbmeb-476	40	32	development	development	NOUN
ajbmeb-476	40	33	from	from	ADP
ajbmeb-476	40	34	a	a	DET
ajbmeb-476	40	35	commercial	commercial	ADJ
ajbmeb-476	40	36	organization	organization	NOUN
ajbmeb-476	40	37	producing	produce	VERB
ajbmeb-476	40	38	special	special	ADJ
ajbmeb-476	40	39	financial	financial	ADJ
ajbmeb-476	40	40	products	product	NOUN
ajbmeb-476	40	41	[	[	X
ajbmeb-476	40	42	10	10	NUM
ajbmeb-476	40	43	]	]	PUNCT
ajbmeb-476	40	44	.	.	PUNCT
ajbmeb-476	41	1	although	although	SCONJ
ajbmeb-476	41	2	we	we	PRON
ajbmeb-476	41	3	focus	focus	VERB
ajbmeb-476	41	4	on	on	ADP
ajbmeb-476	41	5	regulatory	regulatory	ADJ
ajbmeb-476	41	6	legal	legal	ADJ
ajbmeb-476	41	7	documents	document	NOUN
ajbmeb-476	41	8	on	on	ADP
ajbmeb-476	41	9	the	the	DET
ajbmeb-476	41	10	regulation	regulation	NOUN
ajbmeb-476	41	11	of	of	ADP
ajbmeb-476	41	12	banking	banking	NOUN
ajbmeb-476	41	13	activities	activity	NOUN
ajbmeb-476	41	14	,	,	PUNCT
ajbmeb-476	41	15	we	we	PRON
ajbmeb-476	41	16	can	can	AUX
ajbmeb-476	41	17	witness	witness	VERB
ajbmeb-476	41	18	that	that	SCONJ
ajbmeb-476	41	19	transformational	transformational	ADJ
ajbmeb-476	41	20	processes	process	NOUN
ajbmeb-476	41	21	are	be	AUX
ajbmeb-476	41	22	changing	change	VERB
ajbmeb-476	41	23	the	the	DET
ajbmeb-476	41	24	content	content	NOUN
ajbmeb-476	41	25	and	and	CCONJ
ajbmeb-476	41	26	essence	essence	NOUN
ajbmeb-476	41	27	of	of	ADP
ajbmeb-476	41	28	banking	banking	NOUN
ajbmeb-476	41	29	activities	activity	NOUN
ajbmeb-476	41	30	.	.	PUNCT
ajbmeb-476	42	1	in	in	ADP
ajbmeb-476	42	2	paragraph	paragraph	NOUN
ajbmeb-476	42	3	1	1	NUM
ajbmeb-476	42	4	of	of	ADP
ajbmeb-476	42	5	the	the	DET
ajbmeb-476	42	6	regulation	regulation	NOUN
ajbmeb-476	42	7	of	of	ADP
ajbmeb-476	42	8	the	the	DET
ajbmeb-476	42	9	central	central	ADJ
ajbmeb-476	42	10	bank	bank	NOUN
ajbmeb-476	42	11	"	"	PUNCT
ajbmeb-476	42	12	on	on	ADP
ajbmeb-476	42	13	the	the	DET
ajbmeb-476	42	14	procedure	procedure	NOUN
ajbmeb-476	42	15	for	for	ADP
ajbmeb-476	42	16	registering	register	VERB
ajbmeb-476	42	17	banks	bank	NOUN
ajbmeb-476	42	18	and	and	CCONJ
ajbmeb-476	42	19	licensing	license	VERB
ajbmeb-476	42	20	their	their	PRON
ajbmeb-476	42	21	activities	activity	NOUN
ajbmeb-476	42	22	"	"	PUNCT
ajbmeb-476	42	23	,	,	PUNCT
ajbmeb-476	42	24	a	a	DET
ajbmeb-476	42	25	bank	bank	NOUN
ajbmeb-476	42	26	that	that	PRON
ajbmeb-476	42	27	provides	provide	VERB
ajbmeb-476	42	28	remote	remote	ADJ
ajbmeb-476	42	29	banking	banking	NOUN
ajbmeb-476	42	30	services	service	NOUN
ajbmeb-476	42	31	using	use	VERB
ajbmeb-476	42	32	digital	digital	ADJ
ajbmeb-476	42	33	bankinginnovation	bankinginnovation	NOUN
ajbmeb-476	42	34	banking	banking	NOUN
ajbmeb-476	42	35	technologies	technology	NOUN
ajbmeb-476	42	36	(	(	PUNCT
ajbmeb-476	42	37	without	without	ADP
ajbmeb-476	42	38	providing	provide	VERB
ajbmeb-476	42	39	cash	cash	NOUN
ajbmeb-476	42	40	service	service	NOUN
ajbmeb-476	42	41	)	)	PUNCT
ajbmeb-476	42	42	or	or	CCONJ
ajbmeb-476	42	43	its	its	PRON
ajbmeb-476	42	44	structural	structural	ADJ
ajbmeb-476	42	45	unit	unit	NOUN
ajbmeb-476	42	46	.	.	PUNCT
ajbmeb-476	43	1	the	the	DET
ajbmeb-476	43	2	remote	remote	ADJ
ajbmeb-476	43	3	provision	provision	NOUN
ajbmeb-476	43	4	of	of	ADP
ajbmeb-476	43	5	banking	banking	NOUN
ajbmeb-476	43	6	services	service	NOUN
ajbmeb-476	43	7	by	by	ADP
ajbmeb-476	43	8	digital	digital	ADJ
ajbmeb-476	43	9	banks	bank	NOUN
ajbmeb-476	43	10	is	be	AUX
ajbmeb-476	43	11	carried	carry	VERB
ajbmeb-476	43	12	out	out	ADP
ajbmeb-476	43	13	based	base	VERB
ajbmeb-476	43	14	on	on	ADP
ajbmeb-476	43	15	the	the	DET
ajbmeb-476	43	16	internal	internal	ADJ
ajbmeb-476	43	17	procedures	procedure	NOUN
ajbmeb-476	43	18	of	of	ADP
ajbmeb-476	43	19	the	the	DET
ajbmeb-476	43	20	bank	bank	NOUN
ajbmeb-476	43	21	,	,	PUNCT
ajbmeb-476	43	22	taking	take	VERB
ajbmeb-476	43	23	into	into	ADP
ajbmeb-476	43	24	account	account	NOUN
ajbmeb-476	43	25	the	the	DET
ajbmeb-476	43	26	requirements	requirement	NOUN
ajbmeb-476	43	27	of	of	ADP
ajbmeb-476	43	28	legislation"[11	legislation"[11	PROPN
ajbmeb-476	43	29	]	]	PUNCT
ajbmeb-476	43	30	has	have	AUX
ajbmeb-476	43	31	been	be	AUX
ajbmeb-476	43	32	described	describe	VERB
ajbmeb-476	43	33	.	.	PUNCT
ajbmeb-476	44	1	the	the	DET
ajbmeb-476	44	2	provision	provision	NOUN
ajbmeb-476	44	3	of	of	ADP
ajbmeb-476	44	4	remote	remote	ADJ
ajbmeb-476	44	5	banking	banking	NOUN
ajbmeb-476	44	6	services	service	NOUN
ajbmeb-476	44	7	is	be	AUX
ajbmeb-476	44	8	a	a	DET
ajbmeb-476	44	9	complex	complex	NOUN
ajbmeb-476	44	10	of	of	ADP
ajbmeb-476	44	11	services	service	NOUN
ajbmeb-476	44	12	that	that	PRON
ajbmeb-476	44	13	allows	allow	VERB
ajbmeb-476	44	14	you	you	PRON
ajbmeb-476	44	15	to	to	PART
ajbmeb-476	44	16	remotely	remotely	ADV
ajbmeb-476	44	17	carry	carry	VERB
ajbmeb-476	44	18	out	out	ADP
ajbmeb-476	44	19	various	various	ADJ
ajbmeb-476	44	20	banking	banking	NOUN
ajbmeb-476	44	21	operations	operation	NOUN
ajbmeb-476	44	22	.	.	PUNCT
ajbmeb-476	45	1	to	to	PART
ajbmeb-476	45	2	do	do	VERB
ajbmeb-476	45	3	this	this	PRON
ajbmeb-476	45	4	,	,	PUNCT
ajbmeb-476	45	5	it	it	PRON
ajbmeb-476	45	6	is	be	AUX
ajbmeb-476	45	7	enough	enough	ADJ
ajbmeb-476	45	8	to	to	PART
ajbmeb-476	45	9	use	use	VERB
ajbmeb-476	45	10	a	a	DET
ajbmeb-476	45	11	computer	computer	NOUN
ajbmeb-476	45	12	or	or	CCONJ
ajbmeb-476	45	13	mobile	mobile	ADJ
ajbmeb-476	45	14	phone	phone	NOUN
ajbmeb-476	45	15	without	without	ADP
ajbmeb-476	45	16	visiting	visit	VERB
ajbmeb-476	45	17	a	a	DET
ajbmeb-476	45	18	banking	banking	NOUN
ajbmeb-476	45	19	institution	institution	NOUN
ajbmeb-476	45	20	.	.	PUNCT
ajbmeb-476	46	1	remote	remote	ADJ
ajbmeb-476	46	2	technologies	technology	NOUN
ajbmeb-476	46	3	allow	allow	VERB
ajbmeb-476	46	4	the	the	DET
ajbmeb-476	46	5	client	client	NOUN
ajbmeb-476	46	6	to	to	PART
ajbmeb-476	46	7	have	have	VERB
ajbmeb-476	46	8	maximum	maximum	ADJ
ajbmeb-476	46	9	comfort	comfort	NOUN
ajbmeb-476	46	10	in	in	ADP
ajbmeb-476	46	11	using	use	VERB
ajbmeb-476	46	12	banking	banking	NOUN
ajbmeb-476	46	13	services	service	NOUN
ajbmeb-476	46	14	and	and	CCONJ
ajbmeb-476	46	15	minimize	minimize	VERB
ajbmeb-476	46	16	time	time	NOUN
ajbmeb-476	46	17	and	and	CCONJ
ajbmeb-476	46	18	financial	financial	ADJ
ajbmeb-476	46	19	costs	cost	NOUN
ajbmeb-476	46	20	in	in	ADP
ajbmeb-476	46	21	the	the	DET
ajbmeb-476	46	22	process	process	NOUN
ajbmeb-476	46	23	of	of	ADP
ajbmeb-476	46	24	working	work	VERB
ajbmeb-476	46	25	with	with	ADP
ajbmeb-476	46	26	the	the	DET
ajbmeb-476	46	27	bank	bank	NOUN
ajbmeb-476	46	28	.	.	PUNCT
ajbmeb-476	47	1	the	the	DET
ajbmeb-476	47	2	remote	remote	ADJ
ajbmeb-476	47	3	service	service	NOUN
ajbmeb-476	47	4	system	system	NOUN
ajbmeb-476	47	5	can	can	AUX
ajbmeb-476	47	6	be	be	AUX
ajbmeb-476	47	7	divided	divide	VERB
ajbmeb-476	47	8	into	into	ADP
ajbmeb-476	47	9	two	two	NUM
ajbmeb-476	47	10	types	type	NOUN
ajbmeb-476	47	11	according	accord	VERB
ajbmeb-476	47	12	to	to	ADP
ajbmeb-476	47	13	the	the	DET
ajbmeb-476	47	14	services	service	NOUN
ajbmeb-476	47	15	provided	provide	VERB
ajbmeb-476	47	16	to	to	ADP
ajbmeb-476	47	17	customers	customer	NOUN
ajbmeb-476	47	18	:	:	PUNCT
ajbmeb-476	47	19	information	information	NOUN
ajbmeb-476	47	20	;	;	PUNCT
ajbmeb-476	47	21	transactional	transactional	ADJ
ajbmeb-476	47	22	.	.	PUNCT
ajbmeb-476	48	1	the	the	DET
ajbmeb-476	48	2	main	main	ADJ
ajbmeb-476	48	3	principle	principle	NOUN
ajbmeb-476	48	4	of	of	ADP
ajbmeb-476	48	5	remote	remote	ADJ
ajbmeb-476	48	6	banking	banking	NOUN
ajbmeb-476	48	7	services	service	NOUN
ajbmeb-476	48	8	is	be	AUX
ajbmeb-476	48	9	the	the	DET
ajbmeb-476	48	10	remote	remote	ADJ
ajbmeb-476	48	11	exchange	exchange	NOUN
ajbmeb-476	48	12	of	of	ADP
ajbmeb-476	48	13	various	various	ADJ
ajbmeb-476	48	14	information	information	NOUN
ajbmeb-476	48	15	between	between	ADP
ajbmeb-476	48	16	the	the	DET
ajbmeb-476	48	17	client	client	NOUN
ajbmeb-476	48	18	and	and	CCONJ
ajbmeb-476	48	19	the	the	DET
ajbmeb-476	48	20	bank	bank	NOUN
ajbmeb-476	48	21	.	.	PUNCT
ajbmeb-476	49	1	this	this	PRON
ajbmeb-476	49	2	ensures	ensure	VERB
ajbmeb-476	49	3	the	the	DET
ajbmeb-476	49	4	safety	safety	NOUN
ajbmeb-476	49	5	of	of	ADP
ajbmeb-476	49	6	this	this	DET
ajbmeb-476	49	7	practice	practice	NOUN
ajbmeb-476	49	8	by	by	ADP
ajbmeb-476	49	9	the	the	DET
ajbmeb-476	49	10	bank	bank	NOUN
ajbmeb-476	49	11	.	.	PUNCT
ajbmeb-476	50	1	types	type	NOUN
ajbmeb-476	50	2	of	of	ADP
ajbmeb-476	50	3	remote	remote	ADJ
ajbmeb-476	50	4	service	service	NOUN
ajbmeb-476	50	5	systems	system	NOUN
ajbmeb-476	50	6	for	for	ADP
ajbmeb-476	50	7	bank	bank	NOUN
ajbmeb-476	50	8	accounts	account	NOUN
ajbmeb-476	50	9	:	:	PUNCT
ajbmeb-476	50	10	a	a	DET
ajbmeb-476	50	11	bank	bank	NOUN
ajbmeb-476	50	12	-	-	PUNCT
ajbmeb-476	50	13	client	client	NOUN
ajbmeb-476	50	14	is	be	AUX
ajbmeb-476	50	15	a	a	DET
ajbmeb-476	50	16	system	system	NOUN
ajbmeb-476	50	17	that	that	PRON
ajbmeb-476	50	18	is	be	AUX
ajbmeb-476	50	19	implemented	implement	VERB
ajbmeb-476	50	20	through	through	ADP
ajbmeb-476	50	21	a	a	DET
ajbmeb-476	50	22	computer	computer	NOUN
ajbmeb-476	50	23	,	,	PUNCT
ajbmeb-476	50	24	in	in	ADP
ajbmeb-476	50	25	which	which	PRON
ajbmeb-476	50	26	a	a	DET
ajbmeb-476	50	27	special	special	ADJ
ajbmeb-476	50	28	program	program	NOUN
ajbmeb-476	50	29	is	be	AUX
ajbmeb-476	50	30	installed	instal	VERB
ajbmeb-476	50	31	on	on	ADP
ajbmeb-476	50	32	the	the	DET
ajbmeb-476	50	33	client	client	NOUN
ajbmeb-476	50	34	's	's	PART
ajbmeb-476	50	35	computer	computer	NOUN
ajbmeb-476	50	36	.	.	PUNCT
ajbmeb-476	51	1	this	this	DET
ajbmeb-476	51	2	program	program	NOUN
ajbmeb-476	51	3	stores	store	NOUN
ajbmeb-476	51	4	all	all	DET
ajbmeb-476	51	5	client	client	NOUN
ajbmeb-476	51	6	data	datum	NOUN
ajbmeb-476	51	7	on	on	ADP
ajbmeb-476	51	8	the	the	DET
ajbmeb-476	51	9	computer	computer	NOUN
ajbmeb-476	51	10	(	(	PUNCT
ajbmeb-476	51	11	mainly	mainly	ADV
ajbmeb-476	51	12	payment	payment	NOUN
ajbmeb-476	51	13	documents	document	NOUN
ajbmeb-476	51	14	and	and	CCONJ
ajbmeb-476	51	15	extracts	extract	NOUN
ajbmeb-476	51	16	from	from	ADP
ajbmeb-476	51	17	accounts	account	NOUN
ajbmeb-476	51	18	)	)	PUNCT
ajbmeb-476	51	19	.	.	PUNCT
ajbmeb-476	52	1	direct	direct	ADJ
ajbmeb-476	52	2	communication	communication	NOUN
ajbmeb-476	52	3	is	be	AUX
ajbmeb-476	52	4	carried	carry	VERB
ajbmeb-476	52	5	out	out	ADP
ajbmeb-476	52	6	between	between	ADP
ajbmeb-476	52	7	the	the	DET
ajbmeb-476	52	8	bank	bank	NOUN
ajbmeb-476	52	9	and	and	CCONJ
ajbmeb-476	52	10	the	the	DET
ajbmeb-476	52	11	client	client	NOUN
ajbmeb-476	52	12	's	's	PART
ajbmeb-476	52	13	computer	computer	NOUN
ajbmeb-476	52	14	through	through	ADP
ajbmeb-476	52	15	the	the	DET
ajbmeb-476	52	16	modem	modem	NOUN
ajbmeb-476	52	17	.	.	PUNCT
ajbmeb-476	53	1	american	american	PROPN
ajbmeb-476	53	2	journal	journal	PROPN
ajbmeb-476	53	3	of	of	ADP
ajbmeb-476	53	4	business	business	NOUN
ajbmeb-476	53	5	management	management	NOUN
ajbmeb-476	53	6	,	,	PUNCT
ajbmeb-476	53	7	economics	economic	NOUN
ajbmeb-476	53	8	and	and	CCONJ
ajbmeb-476	53	9	banking	banking	NOUN
ajbmeb-476	53	10	volume	volume	NOUN
ajbmeb-476	53	11	10	10	NUM
ajbmeb-476	53	12	march	march	NOUN
ajbmeb-476	53	13	,	,	PUNCT
ajbmeb-476	53	14	2023	2023	NUM
ajbmeb-476	53	15	p	p	NOUN
ajbmeb-476	53	16	a	a	DET
ajbmeb-476	53	17	g	g	NOUN
ajbmeb-476	53	18	e	e	NOUN
ajbmeb-476	53	19	|	|	ADV
ajbmeb-476	53	20	41	41	NUM
ajbmeb-476	53	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-476	53	22	internet	internet	NOUN
ajbmeb-476	53	23	banking	banking	NOUN
ajbmeb-476	53	24	is	be	AUX
ajbmeb-476	53	25	a	a	DET
ajbmeb-476	53	26	system	system	NOUN
ajbmeb-476	53	27	that	that	PRON
ajbmeb-476	53	28	allows	allow	VERB
ajbmeb-476	53	29	customers	customer	NOUN
ajbmeb-476	53	30	to	to	PART
ajbmeb-476	53	31	manage	manage	VERB
ajbmeb-476	53	32	their	their	PRON
ajbmeb-476	53	33	deposit	deposit	NOUN
ajbmeb-476	53	34	accounts	account	NOUN
ajbmeb-476	53	35	,	,	PUNCT
ajbmeb-476	53	36	including	include	VERB
ajbmeb-476	53	37	those	those	PRON
ajbmeb-476	53	38	opened	open	VERB
ajbmeb-476	53	39	to	to	ADP
ajbmeb-476	53	40	bank	bank	NOUN
ajbmeb-476	53	41	cards	card	NOUN
ajbmeb-476	53	42	,	,	PUNCT
ajbmeb-476	53	43	over	over	ADP
ajbmeb-476	53	44	the	the	DET
ajbmeb-476	53	45	internet	internet	NOUN
ajbmeb-476	53	46	.	.	PUNCT
ajbmeb-476	54	1	this	this	DET
ajbmeb-476	54	2	type	type	NOUN
ajbmeb-476	54	3	of	of	ADP
ajbmeb-476	54	4	service	service	NOUN
ajbmeb-476	54	5	is	be	AUX
ajbmeb-476	54	6	a	a	DET
ajbmeb-476	54	7	system	system	NOUN
ajbmeb-476	54	8	designed	design	VERB
ajbmeb-476	54	9	to	to	PART
ajbmeb-476	54	10	transfer	transfer	VERB
ajbmeb-476	54	11	payments	payment	NOUN
ajbmeb-476	54	12	in	in	ADP
ajbmeb-476	54	13	real	real	ADJ
ajbmeb-476	54	14	time	time	NOUN
ajbmeb-476	54	15	while	while	SCONJ
ajbmeb-476	54	16	the	the	DET
ajbmeb-476	54	17	client	client	NOUN
ajbmeb-476	54	18	is	be	AUX
ajbmeb-476	54	19	connected	connect	VERB
ajbmeb-476	54	20	to	to	ADP
ajbmeb-476	54	21	the	the	DET
ajbmeb-476	54	22	remote	remote	ADJ
ajbmeb-476	54	23	bank	bank	NOUN
ajbmeb-476	54	24	.	.	PUNCT
ajbmeb-476	55	1	the	the	DET
ajbmeb-476	55	2	user	user	NOUN
ajbmeb-476	55	3	scrapes	scrape	VERB
ajbmeb-476	55	4	the	the	DET
ajbmeb-476	55	5	system	system	NOUN
ajbmeb-476	55	6	through	through	ADP
ajbmeb-476	55	7	a	a	DET
ajbmeb-476	55	8	web	web	NOUN
ajbmeb-476	55	9	browser	browser	NOUN
ajbmeb-476	55	10	.	.	PUNCT
ajbmeb-476	56	1	the	the	DET
ajbmeb-476	56	2	internet	internet	NOUN
ajbmeb-476	56	3	banking	banking	NOUN
ajbmeb-476	56	4	system	system	NOUN
ajbmeb-476	56	5	is	be	AUX
ajbmeb-476	56	6	hosted	host	VERB
ajbmeb-476	56	7	on	on	ADP
ajbmeb-476	56	8	the	the	DET
ajbmeb-476	56	9	bank	bank	NOUN
ajbmeb-476	56	10	's	's	PART
ajbmeb-476	56	11	web	web	NOUN
ajbmeb-476	56	12	server	server	NOUN
ajbmeb-476	56	13	.	.	PUNCT
ajbmeb-476	57	1	the	the	DET
ajbmeb-476	57	2	user	user	NOUN
ajbmeb-476	57	3	has	have	VERB
ajbmeb-476	57	4	the	the	DET
ajbmeb-476	57	5	opportunity	opportunity	NOUN
ajbmeb-476	57	6	to	to	PART
ajbmeb-476	57	7	review	review	VERB
ajbmeb-476	57	8	all	all	DET
ajbmeb-476	57	9	their	their	PRON
ajbmeb-476	57	10	data	datum	NOUN
ajbmeb-476	57	11	(	(	PUNCT
ajbmeb-476	57	12	payment	payment	NOUN
ajbmeb-476	57	13	documents	document	NOUN
ajbmeb-476	57	14	and	and	CCONJ
ajbmeb-476	57	15	extracts	extract	NOUN
ajbmeb-476	57	16	from	from	ADP
ajbmeb-476	57	17	accounts	account	NOUN
ajbmeb-476	57	18	)	)	PUNCT
ajbmeb-476	57	19	on	on	ADP
ajbmeb-476	57	20	the	the	DET
ajbmeb-476	57	21	bank	bank	NOUN
ajbmeb-476	57	22	's	's	PART
ajbmeb-476	57	23	website	website	NOUN
ajbmeb-476	57	24	.	.	PUNCT
ajbmeb-476	58	1	through	through	ADP
ajbmeb-476	58	2	the	the	DET
ajbmeb-476	58	3	internet	internet	NOUN
ajbmeb-476	58	4	banking	banking	NOUN
ajbmeb-476	58	5	service	service	NOUN
ajbmeb-476	58	6	,	,	PUNCT
ajbmeb-476	58	7	the	the	DET
ajbmeb-476	58	8	client	client	NOUN
ajbmeb-476	58	9	is	be	AUX
ajbmeb-476	58	10	at	at	ADP
ajbmeb-476	58	11	his	his	PRON
ajbmeb-476	58	12	place	place	NOUN
ajbmeb-476	58	13	of	of	ADP
ajbmeb-476	58	14	work	work	NOUN
ajbmeb-476	58	15	or	or	CCONJ
ajbmeb-476	58	16	in	in	ADP
ajbmeb-476	58	17	other	other	ADJ
ajbmeb-476	58	18	self	self	NOUN
ajbmeb-476	58	19	-	-	PUNCT
ajbmeb-476	58	20	friendly	friendly	ADJ
ajbmeb-476	58	21	conditions	condition	NOUN
ajbmeb-476	58	22	:	:	PUNCT
ajbmeb-476	58	23	transfer	transfer	NOUN
ajbmeb-476	58	24	of	of	ADP
ajbmeb-476	58	25	payments	payment	NOUN
ajbmeb-476	58	26	;	;	PUNCT
ajbmeb-476	58	27	tracking	track	VERB
ajbmeb-476	58	28	payment	payment	NOUN
ajbmeb-476	58	29	transition	transition	NOUN
ajbmeb-476	58	30	phases	phase	NOUN
ajbmeb-476	58	31	;	;	PUNCT
ajbmeb-476	58	32	makes	make	VERB
ajbmeb-476	58	33	it	it	PRON
ajbmeb-476	58	34	possible	possible	ADJ
ajbmeb-476	58	35	to	to	PART
ajbmeb-476	58	36	use	use	VERB
ajbmeb-476	58	37	their	their	PRON
ajbmeb-476	58	38	practice	practice	NOUN
ajbmeb-476	58	39	at	at	ADP
ajbmeb-476	58	40	any	any	DET
ajbmeb-476	58	41	time	time	NOUN
ajbmeb-476	58	42	,	,	PUNCT
ajbmeb-476	58	43	such	such	ADJ
ajbmeb-476	58	44	as	as	ADP
ajbmeb-476	58	45	receiving	receive	VERB
ajbmeb-476	58	46	all	all	DET
ajbmeb-476	58	47	reports	report	NOUN
ajbmeb-476	58	48	.	.	PUNCT
ajbmeb-476	59	1	through	through	ADP
ajbmeb-476	59	2	internet	internet	NOUN
ajbmeb-476	59	3	banking	banking	NOUN
ajbmeb-476	59	4	,	,	PUNCT
ajbmeb-476	59	5	the	the	DET
ajbmeb-476	59	6	client	client	NOUN
ajbmeb-476	59	7	will	will	AUX
ajbmeb-476	59	8	be	be	AUX
ajbmeb-476	59	9	able	able	ADJ
ajbmeb-476	59	10	to	to	PART
ajbmeb-476	59	11	connect	connect	VERB
ajbmeb-476	59	12	from	from	ADP
ajbmeb-476	59	13	his	his	PRON
ajbmeb-476	59	14	place	place	NOUN
ajbmeb-476	59	15	of	of	ADP
ajbmeb-476	59	16	work	work	NOUN
ajbmeb-476	59	17	to	to	ADP
ajbmeb-476	59	18	the	the	DET
ajbmeb-476	59	19	banking	banking	NOUN
ajbmeb-476	59	20	site	site	NOUN
ajbmeb-476	59	21	via	via	ADP
ajbmeb-476	59	22	the	the	DET
ajbmeb-476	59	23	internet	internet	NOUN
ajbmeb-476	59	24	,	,	PUNCT
ajbmeb-476	59	25	see	see	VERB
ajbmeb-476	59	26	the	the	DET
ajbmeb-476	59	27	money	money	NOUN
ajbmeb-476	59	28	falling	fall	VERB
ajbmeb-476	59	29	into	into	ADP
ajbmeb-476	59	30	his	his	PRON
ajbmeb-476	59	31	account	account	NOUN
ajbmeb-476	59	32	and	and	CCONJ
ajbmeb-476	59	33	prepare	prepare	VERB
ajbmeb-476	59	34	and	and	CCONJ
ajbmeb-476	59	35	transfer	transfer	VERB
ajbmeb-476	59	36	money	money	NOUN
ajbmeb-476	59	37	transfers	transfer	NOUN
ajbmeb-476	59	38	to	to	ADP
ajbmeb-476	59	39	the	the	DET
ajbmeb-476	59	40	bank	bank	NOUN
ajbmeb-476	59	41	.	.	PUNCT
ajbmeb-476	60	1	the	the	DET
ajbmeb-476	60	2	mobile	mobile	ADJ
ajbmeb-476	60	3	banking	banking	NOUN
ajbmeb-476	60	4	system	system	NOUN
ajbmeb-476	60	5	is	be	AUX
ajbmeb-476	60	6	created	create	VERB
ajbmeb-476	60	7	on	on	ADP
ajbmeb-476	60	8	the	the	DET
ajbmeb-476	60	9	basis	basis	NOUN
ajbmeb-476	60	10	of	of	ADP
ajbmeb-476	60	11	internet	internet	NOUN
ajbmeb-476	60	12	banking	banking	NOUN
ajbmeb-476	60	13	technology	technology	NOUN
ajbmeb-476	60	14	.	.	PUNCT
ajbmeb-476	61	1	sms	sms	PROPN
ajbmeb-476	61	2	banking	banking	NOUN
ajbmeb-476	61	3	is	be	AUX
ajbmeb-476	61	4	a	a	DET
ajbmeb-476	61	5	system	system	NOUN
ajbmeb-476	61	6	in	in	ADP
ajbmeb-476	61	7	which	which	PRON
ajbmeb-476	61	8	a	a	DET
ajbmeb-476	61	9	bank	bank	NOUN
ajbmeb-476	61	10	receives	receive	VERB
ajbmeb-476	61	11	sms	sms	PROPN
ajbmeb-476	61	12	-	-	PUNCT
ajbmeb-476	61	13	view	view	NOUN
ajbmeb-476	61	14	information	information	NOUN
ajbmeb-476	61	15	to	to	ADP
ajbmeb-476	61	16	customers	customer	NOUN
ajbmeb-476	61	17	about	about	ADP
ajbmeb-476	61	18	transactions	transaction	NOUN
ajbmeb-476	61	19	in	in	ADP
ajbmeb-476	61	20	their	their	PRON
ajbmeb-476	61	21	deposit	deposit	NOUN
ajbmeb-476	61	22	accounts	account	NOUN
ajbmeb-476	61	23	as	as	ADV
ajbmeb-476	61	24	well	well	ADV
ajbmeb-476	61	25	as	as	ADP
ajbmeb-476	61	26	accounts	account	NOUN
ajbmeb-476	61	27	opened	open	VERB
ajbmeb-476	61	28	to	to	ADP
ajbmeb-476	61	29	bank	bank	NOUN
ajbmeb-476	61	30	cards	card	NOUN
ajbmeb-476	61	31	.	.	PUNCT
ajbmeb-476	62	1	to	to	PART
ajbmeb-476	62	2	obtain	obtain	VERB
ajbmeb-476	62	3	information	information	NOUN
ajbmeb-476	62	4	from	from	ADP
ajbmeb-476	62	5	the	the	DET
ajbmeb-476	62	6	account	account	NOUN
ajbmeb-476	62	7	,	,	PUNCT
ajbmeb-476	62	8	it	it	PRON
ajbmeb-476	62	9	is	be	AUX
ajbmeb-476	62	10	necessary	necessary	ADJ
ajbmeb-476	62	11	to	to	PART
ajbmeb-476	62	12	send	send	VERB
ajbmeb-476	62	13	an	an	DET
ajbmeb-476	62	14	sms	sms	NOUN
ajbmeb-476	62	15	request	request	NOUN
ajbmeb-476	62	16	to	to	ADP
ajbmeb-476	62	17	a	a	DET
ajbmeb-476	62	18	special	special	ADJ
ajbmeb-476	62	19	phone	phone	NOUN
ajbmeb-476	62	20	number	number	NOUN
ajbmeb-476	62	21	of	of	ADP
ajbmeb-476	62	22	the	the	DET
ajbmeb-476	62	23	client	client	PROPN
ajbmeb-476	62	24	bank	bank	PROPN
ajbmeb-476	62	25	.	.	PUNCT
ajbmeb-476	63	1	sms	sms	PROPN
ajbmeb-476	63	2	banking	banking	NOUN
ajbmeb-476	63	3	service	service	NOUN
ajbmeb-476	63	4	for	for	ADP
ajbmeb-476	63	5	the	the	DET
ajbmeb-476	63	6	client	client	NOUN
ajbmeb-476	63	7	is	be	AUX
ajbmeb-476	63	8	given	give	VERB
ajbmeb-476	63	9	the	the	DET
ajbmeb-476	63	10	opportunity	opportunity	NOUN
ajbmeb-476	63	11	to	to	PART
ajbmeb-476	63	12	perform	perform	VERB
ajbmeb-476	63	13	the	the	DET
ajbmeb-476	63	14	following	following	ADJ
ajbmeb-476	63	15	actions	action	NOUN
ajbmeb-476	63	16	:	:	PUNCT
ajbmeb-476	63	17	account	account	NOUN
ajbmeb-476	63	18	receipts	receipt	NOUN
ajbmeb-476	63	19	;	;	PUNCT
ajbmeb-476	63	20	expenses	expense	NOUN
ajbmeb-476	63	21	from	from	ADP
ajbmeb-476	63	22	the	the	DET
ajbmeb-476	63	23	account	account	NOUN
ajbmeb-476	63	24	;	;	PUNCT
ajbmeb-476	63	25	account	account	NOUN
ajbmeb-476	63	26	balance	balance	NOUN
ajbmeb-476	63	27	;	;	PUNCT
ajbmeb-476	63	28	obtaining	obtain	VERB
ajbmeb-476	63	29	operational	operational	ADJ
ajbmeb-476	63	30	information	information	NOUN
ajbmeb-476	63	31	about	about	ADP
ajbmeb-476	63	32	bank	bank	NOUN
ajbmeb-476	63	33	operations	operation	NOUN
ajbmeb-476	63	34	conducted	conduct	VERB
ajbmeb-476	63	35	during	during	ADP
ajbmeb-476	63	36	the	the	DET
ajbmeb-476	63	37	day	day	NOUN
ajbmeb-476	63	38	.	.	PUNCT
ajbmeb-476	64	1	due	due	ADP
ajbmeb-476	64	2	to	to	ADP
ajbmeb-476	64	3	the	the	DET
ajbmeb-476	64	4	increasing	increase	VERB
ajbmeb-476	64	5	use	use	NOUN
ajbmeb-476	64	6	of	of	ADP
ajbmeb-476	64	7	digital	digital	ADJ
ajbmeb-476	64	8	services	service	NOUN
ajbmeb-476	64	9	by	by	ADP
ajbmeb-476	64	10	business	business	NOUN
ajbmeb-476	64	11	entities	entity	NOUN
ajbmeb-476	64	12	of	of	ADP
ajbmeb-476	64	13	uzbekistan	uzbekistan	PROPN
ajbmeb-476	64	14	,	,	PUNCT
ajbmeb-476	64	15	in	in	ADP
ajbmeb-476	64	16	2021	2021	NUM
ajbmeb-476	64	17	,	,	PUNCT
ajbmeb-476	64	18	about	about	ADV
ajbmeb-476	64	19	83	83	NUM
ajbmeb-476	64	20	percent	percent	NOUN
ajbmeb-476	64	21	of	of	ADP
ajbmeb-476	64	22	the	the	DET
ajbmeb-476	64	23	total	total	NOUN
ajbmeb-476	64	24	(	(	PUNCT
ajbmeb-476	64	25	761.8	761.8	NUM
ajbmeb-476	64	26	trillion	trillion	NUM
ajbmeb-476	64	27	soums	soum	NOUN
ajbmeb-476	64	28	)	)	PUNCT
ajbmeb-476	64	29	payment	payment	NOUN
ajbmeb-476	64	30	orders	order	NOUN
ajbmeb-476	64	31	(	(	PUNCT
ajbmeb-476	64	32	629.8	629.8	NUM
ajbmeb-476	64	33	trillion	trillion	NUM
ajbmeb-476	64	34	soums	soum	NOUN
ajbmeb-476	64	35	)	)	PUNCT
ajbmeb-476	64	36	were	be	AUX
ajbmeb-476	64	37	made	make	VERB
ajbmeb-476	64	38	remotely	remotely	ADV
ajbmeb-476	64	39	without	without	ADP
ajbmeb-476	64	40	visiting	visit	VERB
ajbmeb-476	64	41	the	the	DET
ajbmeb-476	64	42	bank	bank	NOUN
ajbmeb-476	64	43	.	.	PUNCT
ajbmeb-476	65	1	the	the	DET
ajbmeb-476	65	2	volume	volume	NOUN
ajbmeb-476	65	3	of	of	ADP
ajbmeb-476	65	4	transactions	transaction	NOUN
ajbmeb-476	65	5	carried	carry	VERB
ajbmeb-476	65	6	out	out	ADP
ajbmeb-476	65	7	remotely	remotely	ADV
ajbmeb-476	65	8	by	by	ADP
ajbmeb-476	65	9	individuals	individual	NOUN
ajbmeb-476	65	10	in	in	ADP
ajbmeb-476	65	11	mobile	mobile	ADJ
ajbmeb-476	65	12	application	application	NOUN
ajbmeb-476	65	13	programs	program	NOUN
ajbmeb-476	65	14	of	of	ADP
ajbmeb-476	65	15	banks	bank	NOUN
ajbmeb-476	65	16	is	be	AUX
ajbmeb-476	65	17	58.1	58.1	NUM
ajbmeb-476	65	18	trillion	trillion	NUM
ajbmeb-476	65	19	.	.	PUNCT
ajbmeb-476	66	1	amounted	amount	VERB
ajbmeb-476	66	2	to	to	ADP
ajbmeb-476	66	3	soum	soum	NOUN
ajbmeb-476	66	4	.	.	PUNCT
ajbmeb-476	67	1	in	in	ADP
ajbmeb-476	67	2	this	this	DET
ajbmeb-476	67	3	case	case	NOUN
ajbmeb-476	67	4	,	,	PUNCT
ajbmeb-476	67	5	online	online	ADJ
ajbmeb-476	67	6	deposits	deposit	NOUN
ajbmeb-476	67	7	made	make	VERB
ajbmeb-476	67	8	through	through	ADP
ajbmeb-476	67	9	mobile	mobile	ADJ
ajbmeb-476	67	10	application	application	NOUN
ajbmeb-476	67	11	programs	program	NOUN
ajbmeb-476	67	12	15.8	15.8	NUM
ajbmeb-476	67	13	trillion	trillion	NUM
ajbmeb-476	67	14	soums	soum	NOUN
ajbmeb-476	67	15	,	,	PUNCT
ajbmeb-476	67	16	conversion	conversion	NOUN
ajbmeb-476	67	17	operations	operation	NOUN
ajbmeb-476	67	18	7.8	7.8	NUM
ajbmeb-476	67	19	trillion	trillion	NUM
ajbmeb-476	67	20	soums	soum	NOUN
ajbmeb-476	67	21	,	,	PUNCT
ajbmeb-476	67	22	online	online	ADJ
ajbmeb-476	67	23	microloans	microloan	NOUN
ajbmeb-476	67	24	3.6	3.6	NUM
ajbmeb-476	67	25	trillion	trillion	NUM
ajbmeb-476	67	26	soums	soum	NOUN
ajbmeb-476	67	27	,	,	PUNCT
ajbmeb-476	67	28	the	the	DET
ajbmeb-476	67	29	volume	volume	NOUN
ajbmeb-476	67	30	of	of	ADP
ajbmeb-476	67	31	loan	loan	NOUN
ajbmeb-476	67	32	repayments	repayment	VERB
ajbmeb-476	67	33	2.3	2.3	NUM
ajbmeb-476	67	34	trillion	trillion	NUM
ajbmeb-476	67	35	soums	soum	NOUN
ajbmeb-476	67	36	.	.	PUNCT
ajbmeb-476	68	1	the	the	DET
ajbmeb-476	68	2	number	number	NOUN
ajbmeb-476	68	3	of	of	ADP
ajbmeb-476	68	4	users	user	NOUN
ajbmeb-476	68	5	of	of	ADP
ajbmeb-476	68	6	remote	remote	ADJ
ajbmeb-476	68	7	service	service	NOUN
ajbmeb-476	68	8	systems	system	NOUN
ajbmeb-476	68	9	(	(	PUNCT
ajbmeb-476	68	10	online	online	ADJ
ajbmeb-476	68	11	banking	banking	NOUN
ajbmeb-476	68	12	,	,	PUNCT
ajbmeb-476	68	13	internet	internet	NOUN
ajbmeb-476	68	14	banking	banking	NOUN
ajbmeb-476	68	15	,	,	PUNCT
ajbmeb-476	68	16	mobile	mobile	ADJ
ajbmeb-476	68	17	banking	banking	NOUN
ajbmeb-476	68	18	,	,	PUNCT
ajbmeb-476	68	19	sms	sms	PROPN
ajbmeb-476	68	20	banking	banking	NOUN
ajbmeb-476	68	21	)	)	PUNCT
ajbmeb-476	68	22	by	by	ADP
ajbmeb-476	68	23	large	large	ADJ
ajbmeb-476	68	24	commercial	commercial	ADJ
ajbmeb-476	68	25	banks	bank	NOUN
ajbmeb-476	68	26	of	of	ADP
ajbmeb-476	68	27	uzbekistan	uzbekistan	PROPN
ajbmeb-476	68	28	is	be	AUX
ajbmeb-476	68	29	the	the	DET
ajbmeb-476	68	30	largest	large	ADJ
ajbmeb-476	68	31	in	in	ADP
ajbmeb-476	68	32	agrobank	agrobank	NOUN
ajbmeb-476	68	33	as	as	ADP
ajbmeb-476	68	34	of	of	ADP
ajbmeb-476	68	35	january	january	PROPN
ajbmeb-476	68	36	1	1	NUM
ajbmeb-476	68	37	,	,	PUNCT
ajbmeb-476	68	38	2022	2022	NUM
ajbmeb-476	68	39	by	by	ADP
ajbmeb-476	68	40	2.8	2.8	NUM
ajbmeb-476	68	41	times	time	NOUN
ajbmeb-476	68	42	or	or	CCONJ
ajbmeb-476	68	43	2423,2	2423,2	NUM
ajbmeb-476	68	44	thousand	thousand	NUM
ajbmeb-476	68	45	,	,	PUNCT
ajbmeb-476	68	46	compared	compare	VERB
ajbmeb-476	68	47	to	to	ADP
ajbmeb-476	68	48	2017	2017	NUM
ajbmeb-476	68	49	,	,	PUNCT
ajbmeb-476	68	50	in	in	ADP
ajbmeb-476	68	51	uzsanoatqurilish	uzsanoatqurilish	ADJ
ajbmeb-476	68	52	bank	bank	NOUN
ajbmeb-476	68	53	compared	compare	VERB
ajbmeb-476	68	54	to	to	ADP
ajbmeb-476	68	55	2017	2017	NUM
ajbmeb-476	68	56	,	,	PUNCT
ajbmeb-476	68	57	as	as	ADP
ajbmeb-476	68	58	of	of	ADP
ajbmeb-476	68	59	january	january	PROPN
ajbmeb-476	68	60	1	1	NUM
ajbmeb-476	68	61	,	,	PUNCT
ajbmeb-476	68	62	2022	2022	NUM
ajbmeb-476	68	63	,	,	PUNCT
ajbmeb-476	68	64	it	it	PRON
ajbmeb-476	68	65	has	have	AUX
ajbmeb-476	68	66	increased	increase	VERB
ajbmeb-476	68	67	by	by	ADP
ajbmeb-476	68	68	30.6	30.6	NUM
ajbmeb-476	68	69	times	time	NOUN
ajbmeb-476	68	70	or	or	CCONJ
ajbmeb-476	68	71	by	by	ADP
ajbmeb-476	68	72	3,481,500	3,481,500	NUM
ajbmeb-476	68	73	people	people	NOUN
ajbmeb-476	68	74	.	.	PUNCT
ajbmeb-476	69	1	although	although	SCONJ
ajbmeb-476	69	2	the	the	DET
ajbmeb-476	69	3	rate	rate	NOUN
ajbmeb-476	69	4	of	of	ADP
ajbmeb-476	69	5	growth	growth	NOUN
ajbmeb-476	69	6	in	in	ADP
ajbmeb-476	69	7	national	national	PROPN
ajbmeb-476	69	8	bank	bank	PROPN
ajbmeb-476	69	9	and	and	CCONJ
ajbmeb-476	69	10	asaka	asaka	PROPN
ajbmeb-476	69	11	bank	bank	NOUN
ajbmeb-476	69	12	is	be	AUX
ajbmeb-476	69	13	not	not	PART
ajbmeb-476	69	14	high	high	ADJ
ajbmeb-476	69	15	,	,	PUNCT
ajbmeb-476	69	16	it	it	PRON
ajbmeb-476	69	17	can	can	AUX
ajbmeb-476	69	18	be	be	AUX
ajbmeb-476	69	19	observed	observe	VERB
ajbmeb-476	69	20	that	that	SCONJ
ajbmeb-476	69	21	the	the	DET
ajbmeb-476	69	22	number	number	NOUN
ajbmeb-476	69	23	of	of	ADP
ajbmeb-476	69	24	users	user	NOUN
ajbmeb-476	69	25	of	of	ADP
ajbmeb-476	69	26	this	this	DET
ajbmeb-476	69	27	system	system	NOUN
ajbmeb-476	69	28	is	be	AUX
ajbmeb-476	69	29	increasing	increase	VERB
ajbmeb-476	69	30	.	.	PUNCT
ajbmeb-476	70	1	figure	figure	NOUN
ajbmeb-476	70	2	1	1	NUM
ajbmeb-476	70	3	.	.	PUNCT
ajbmeb-476	70	4	american	american	PROPN
ajbmeb-476	70	5	journal	journal	PROPN
ajbmeb-476	70	6	of	of	ADP
ajbmeb-476	70	7	business	business	NOUN
ajbmeb-476	70	8	management	management	NOUN
ajbmeb-476	70	9	,	,	PUNCT
ajbmeb-476	70	10	economics	economic	NOUN
ajbmeb-476	70	11	and	and	CCONJ
ajbmeb-476	70	12	banking	banking	NOUN
ajbmeb-476	70	13	volume	volume	NOUN
ajbmeb-476	70	14	10	10	NUM
ajbmeb-476	70	15	march	march	NOUN
ajbmeb-476	70	16	,	,	PUNCT
ajbmeb-476	70	17	2023	2023	NUM
ajbmeb-476	70	18	p	p	NOUN
ajbmeb-476	70	19	a	a	DET
ajbmeb-476	70	20	g	g	NOUN
ajbmeb-476	70	21	e	e	NOUN
ajbmeb-476	71	1	|	|	ADV
ajbmeb-476	71	2	42	42	NUM
ajbmeb-476	71	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-476	71	4	figure	figure	NOUN
ajbmeb-476	71	5	1	1	NUM
ajbmeb-476	71	6	.	.	PUNCT
ajbmeb-476	71	7	from	from	ADP
ajbmeb-476	71	8	remote	remote	ADJ
ajbmeb-476	71	9	service	service	NOUN
ajbmeb-476	71	10	systems	system	NOUN
ajbmeb-476	71	11	(	(	PUNCT
ajbmeb-476	71	12	online	online	ADJ
ajbmeb-476	71	13	banking	banking	NOUN
ajbmeb-476	71	14	,	,	PUNCT
ajbmeb-476	71	15	internet	internet	NOUN
ajbmeb-476	71	16	banking	banking	NOUN
ajbmeb-476	71	17	,	,	PUNCT
ajbmeb-476	71	18	sms	sms	PROPN
ajbmeb-476	71	19	banking	banking	NOUN
ajbmeb-476	71	20	)	)	PUNCT
ajbmeb-476	71	21	number	number	NOUN
ajbmeb-476	71	22	of	of	ADP
ajbmeb-476	71	23	users	user	NOUN
ajbmeb-476	72	1	[	[	X
ajbmeb-476	72	2	12	12	NUM
ajbmeb-476	72	3	]	]	PUNCT
ajbmeb-476	72	4	also	also	ADV
ajbmeb-476	72	5	,	,	PUNCT
ajbmeb-476	72	6	9	9	NUM
ajbmeb-476	72	7	commercial	commercial	ADJ
ajbmeb-476	72	8	banks	bank	NOUN
ajbmeb-476	72	9	,	,	PUNCT
ajbmeb-476	72	10	together	together	ADV
ajbmeb-476	72	11	with	with	ADP
ajbmeb-476	72	12	international	international	ADJ
ajbmeb-476	72	13	money	money	NOUN
ajbmeb-476	72	14	transfer	transfer	NOUN
ajbmeb-476	72	15	operators	operator	NOUN
ajbmeb-476	72	16	and	and	CCONJ
ajbmeb-476	72	17	foreign	foreign	ADJ
ajbmeb-476	72	18	banks	bank	NOUN
ajbmeb-476	72	19	,	,	PUNCT
ajbmeb-476	72	20	created	create	VERB
ajbmeb-476	72	21	an	an	DET
ajbmeb-476	72	22	opportunity	opportunity	NOUN
ajbmeb-476	72	23	to	to	PART
ajbmeb-476	72	24	receive	receive	VERB
ajbmeb-476	72	25	money	money	NOUN
ajbmeb-476	72	26	transfers	transfer	NOUN
ajbmeb-476	72	27	to	to	ADP
ajbmeb-476	72	28	a	a	DET
ajbmeb-476	72	29	bank	bank	NOUN
ajbmeb-476	72	30	card	card	NOUN
ajbmeb-476	72	31	without	without	ADP
ajbmeb-476	72	32	going	go	VERB
ajbmeb-476	72	33	to	to	ADP
ajbmeb-476	72	34	the	the	DET
ajbmeb-476	72	35	bank	bank	NOUN
ajbmeb-476	72	36	,	,	PUNCT
ajbmeb-476	72	37	and	and	CCONJ
ajbmeb-476	72	38	in	in	ADP
ajbmeb-476	72	39	2021	2021	NUM
ajbmeb-476	72	40	,	,	PUNCT
ajbmeb-476	72	41	the	the	DET
ajbmeb-476	72	42	population	population	NOUN
ajbmeb-476	72	43	will	will	AUX
ajbmeb-476	72	44	receive	receive	VERB
ajbmeb-476	72	45	648.4	648.4	NUM
ajbmeb-476	72	46	mln	mln	NOUN
ajbmeb-476	72	47	.	.	PUNCT
ajbmeb-476	73	1	us	we	PRON
ajbmeb-476	73	2	dollar	dollar	NOUN
ajbmeb-476	73	3	transfers	transfer	NOUN
ajbmeb-476	73	4	were	be	AUX
ajbmeb-476	73	5	made	make	VERB
ajbmeb-476	73	6	directly	directly	ADV
ajbmeb-476	73	7	to	to	ADP
ajbmeb-476	73	8	bank	bank	NOUN
ajbmeb-476	73	9	cards	card	NOUN
ajbmeb-476	73	10	without	without	ADP
ajbmeb-476	73	11	going	go	VERB
ajbmeb-476	73	12	to	to	ADP
ajbmeb-476	73	13	the	the	DET
ajbmeb-476	73	14	bank	bank	NOUN
ajbmeb-476	73	15	.	.	PUNCT
ajbmeb-476	74	1	in	in	ADP
ajbmeb-476	74	2	order	order	NOUN
ajbmeb-476	74	3	to	to	PART
ajbmeb-476	74	4	expand	expand	VERB
ajbmeb-476	74	5	the	the	DET
ajbmeb-476	74	6	scope	scope	NOUN
ajbmeb-476	74	7	of	of	ADP
ajbmeb-476	74	8	contactless	contactless	ADJ
ajbmeb-476	74	9	payments	payment	NOUN
ajbmeb-476	74	10	in	in	ADP
ajbmeb-476	74	11	the	the	DET
ajbmeb-476	74	12	infrastructure	infrastructure	NOUN
ajbmeb-476	74	13	of	of	ADP
ajbmeb-476	74	14	payment	payment	NOUN
ajbmeb-476	74	15	systems	system	NOUN
ajbmeb-476	74	16	,	,	PUNCT
ajbmeb-476	74	17	the	the	DET
ajbmeb-476	74	18	central	central	ADJ
ajbmeb-476	74	19	bank	bank	NOUN
ajbmeb-476	74	20	,	,	PUNCT
ajbmeb-476	74	21	together	together	ADV
ajbmeb-476	74	22	with	with	ADP
ajbmeb-476	74	23	all	all	DET
ajbmeb-476	74	24	commercial	commercial	ADJ
ajbmeb-476	74	25	banks	bank	NOUN
ajbmeb-476	74	26	,	,	PUNCT
ajbmeb-476	74	27	primarily	primarily	ADV
ajbmeb-476	74	28	provided	provide	VERB
ajbmeb-476	74	29	business	business	NOUN
ajbmeb-476	74	30	entities	entity	NOUN
ajbmeb-476	74	31	operating	operate	VERB
ajbmeb-476	74	32	in	in	ADP
ajbmeb-476	74	33	the	the	DET
ajbmeb-476	74	34	trade	trade	NOUN
ajbmeb-476	74	35	and	and	CCONJ
ajbmeb-476	74	36	service	service	NOUN
ajbmeb-476	74	37	sectors	sector	NOUN
ajbmeb-476	74	38	with	with	ADP
ajbmeb-476	74	39	payment	payment	NOUN
ajbmeb-476	74	40	tools	tool	NOUN
ajbmeb-476	74	41	that	that	PRON
ajbmeb-476	74	42	allow	allow	VERB
ajbmeb-476	74	43	them	they	PRON
ajbmeb-476	74	44	to	to	PART
ajbmeb-476	74	45	make	make	VERB
ajbmeb-476	74	46	payments	payment	NOUN
ajbmeb-476	74	47	based	base	VERB
ajbmeb-476	74	48	on	on	ADP
ajbmeb-476	74	49	qr	qr	NOUN
ajbmeb-476	74	50	-	-	PUNCT
ajbmeb-476	74	51	code	code	NOUN
ajbmeb-476	74	52	and	and	CCONJ
ajbmeb-476	74	53	nfc	nfc	NOUN
ajbmeb-476	74	54	technologies	technology	NOUN
ajbmeb-476	74	55	.	.	PUNCT
ajbmeb-476	75	1	figure	figure	NOUN
ajbmeb-476	75	2	1	1	NUM
ajbmeb-476	75	3	.	.	X
ajbmeb-476	76	1	transaction	transaction	NOUN
ajbmeb-476	76	2	made	make	VERB
ajbmeb-476	76	3	in	in	ADP
ajbmeb-476	76	4	qr	qr	ADJ
ajbmeb-476	76	5	-	-	PUNCT
ajbmeb-476	76	6	online	online	ADJ
ajbmeb-476	76	7	system	system	NOUN
ajbmeb-476	76	8	larson	larson	PROPN
ajbmeb-476	76	9	i	i	PROPN
ajbmeb-476	76	10	vo	vo	PROPN
ajbmeb-476	76	11	zajmi	zajmi	PROPN
ajbmeb-476	77	1	[	[	X
ajbmeb-476	77	2	13	13	NUM
ajbmeb-476	77	3	]	]	PUNCT
ajbmeb-476	77	4	the	the	DET
ajbmeb-476	77	5	"	"	PUNCT
ajbmeb-476	77	6	qr	qr	ADJ
ajbmeb-476	77	7	-	-	PUNCT
ajbmeb-476	77	8	online	online	ADJ
ajbmeb-476	77	9	"	"	PUNCT
ajbmeb-476	77	10	system	system	NOUN
ajbmeb-476	77	11	,	,	PUNCT
ajbmeb-476	77	12	which	which	PRON
ajbmeb-476	77	13	was	be	AUX
ajbmeb-476	77	14	launched	launch	VERB
ajbmeb-476	77	15	in	in	ADP
ajbmeb-476	77	16	order	order	NOUN
ajbmeb-476	77	17	to	to	PART
ajbmeb-476	77	18	make	make	VERB
ajbmeb-476	77	19	quick	quick	ADJ
ajbmeb-476	77	20	payments	payment	NOUN
ajbmeb-476	77	21	for	for	ADP
ajbmeb-476	77	22	goods	good	NOUN
ajbmeb-476	77	23	and	and	CCONJ
ajbmeb-476	77	24	services	service	NOUN
ajbmeb-476	77	25	using	use	VERB
ajbmeb-476	77	26	mobile	mobile	ADJ
ajbmeb-476	77	27	application	application	NOUN
ajbmeb-476	77	28	software	software	NOUN
ajbmeb-476	77	29	for	for	ADP
ajbmeb-476	77	30	goods	good	NOUN
ajbmeb-476	77	31	and	and	CCONJ
ajbmeb-476	77	32	services	service	NOUN
ajbmeb-476	77	33	without	without	ADP
ajbmeb-476	77	34	directly	directly	ADV
ajbmeb-476	77	35	using	use	VERB
ajbmeb-476	77	36	a	a	DET
ajbmeb-476	77	37	bank	bank	NOUN
ajbmeb-476	77	38	card	card	NOUN
ajbmeb-476	77	39	and	and	CCONJ
ajbmeb-476	77	40	payment	payment	NOUN
ajbmeb-476	77	41	terminal	terminal	NOUN
ajbmeb-476	77	42	,	,	PUNCT
ajbmeb-476	77	43	is	be	AUX
ajbmeb-476	77	44	gaining	gain	VERB
ajbmeb-476	77	45	popularity	popularity	NOUN
ajbmeb-476	77	46	.	.	PUNCT
ajbmeb-476	78	1	in	in	ADP
ajbmeb-476	78	2	2021	2021	NUM
ajbmeb-476	78	3	,	,	PUNCT
ajbmeb-476	78	4	the	the	DET
ajbmeb-476	78	5	number	number	NOUN
ajbmeb-476	78	6	of	of	ADP
ajbmeb-476	78	7	qr	qr	NOUN
ajbmeb-476	78	8	-	-	PUNCT
ajbmeb-476	78	9	codes	code	NOUN
ajbmeb-476	78	10	provided	provide	VERB
ajbmeb-476	78	11	to	to	ADP
ajbmeb-476	78	12	business	business	NOUN
ajbmeb-476	78	13	entities	entity	NOUN
ajbmeb-476	78	14	2,55,559	2,55,559	NUM
ajbmeb-476	78	15	4,77,695	4,77,695	NOUN
ajbmeb-476	78	16	6,52,692	6,52,692	NUM
ajbmeb-476	78	17	9,11,277	9,11,277	NOUN
ajbmeb-476	78	18	17,10,212	17,10,212	NUM
ajbmeb-476	78	19	12,53,327	12,53,327	NUM
ajbmeb-476	78	20	14,00,860	14,00,860	NUM
ajbmeb-476	78	21	14,64,727	14,64,727	NUM
ajbmeb-476	78	22	3,72,354	3,72,354	NUM
ajbmeb-476	78	23	8,26,123	8,26,123	PROPN
ajbmeb-476	78	24	13,46,330	13,46,330	NUM
ajbmeb-476	78	25	18,92,997	18,92,997	NUM
ajbmeb-476	78	26	14,39,990	14,39,990	NUM
ajbmeb-476	78	27	24,65,259	24,65,259	NUM
ajbmeb-476	78	28	31,64,662	31,64,662	NUM
ajbmeb-476	78	29	37,69,535	37,69,535	NUM
ajbmeb-476	78	30	6,470	6,470	NUM
ajbmeb-476	78	31	64,346	64,346	NUM
ajbmeb-476	78	32	1,17,551	1,17,551	NUM
ajbmeb-476	78	33	1,73,754	1,73,754	NUM
ajbmeb-476	78	34	8,08,830	8,08,830	NOUN
ajbmeb-476	78	35	17,07,311	17,07,311	NUM
ajbmeb-476	78	36	26,59,554	26,59,554	NUM
ajbmeb-476	78	37	…	…	PUNCT
ajbmeb-476	78	38	94,332	94,332	NUM
ajbmeb-476	78	39	1,31,055	1,31,055	NUM
ajbmeb-476	78	40	5,39,136	5,39,136	NOUN
ajbmeb-476	78	41	6,34,281	6,34,281	NUM
ajbmeb-476	78	42	5,81,114	5,81,114	NUM
ajbmeb-476	78	43	7,67,986	7,67,986	ADJ
ajbmeb-476	78	44	9,34,674	9,34,674	NUM
ajbmeb-476	78	45	9,66,430	9,66,430	NOUN
ajbmeb-476	78	46	5,00,000	5,00,000	NUM
ajbmeb-476	78	47	10,00,000	10,00,000	NUM
ajbmeb-476	78	48	15,00,000	15,00,000	NUM
ajbmeb-476	78	49	20,00,000	20,00,000	NUM
ajbmeb-476	78	50	25,00,000	25,00,000	NUM
ajbmeb-476	78	51	30,00,000	30,00,000	NUM
ajbmeb-476	78	52	35,00,000	35,00,000	NUM
ajbmeb-476	78	53	40,00,000	40,00,000	NUM
ajbmeb-476	78	54	2015	2015	NUM
ajbmeb-476	78	55	2016	2016	NUM
ajbmeb-476	78	56	2017	2017	NUM
ajbmeb-476	78	57	2018	2018	NUM
ajbmeb-476	78	58	2019	2019	NUM
ajbmeb-476	78	59	2020	2020	NUM
ajbmeb-476	78	60	2021	2021	NUM
ajbmeb-476	78	61	2022	2022	NUM
ajbmeb-476	78	62	2023	2023	NUM
ajbmeb-476	78	63	national	national	PROPN
ajbmeb-476	78	64	bank	bank	PROPN
ajbmeb-476	78	65	agrobank	agrobank	PROPN
ajbmeb-476	78	66	o`zsanoatqurilish	o`zsanoatqurilish	PROPN
ajbmeb-476	78	67	bank	bank	PROPN
ajbmeb-476	78	68	asaka	asaka	PROPN
ajbmeb-476	78	69	bank	bank	PROPN
ajbmeb-476	78	70	516	516	NUM
ajbmeb-476	78	71	254	254	NUM
ajbmeb-476	78	72	578	578	NUM
ajbmeb-476	78	73	4429	4429	NUM
ajbmeb-476	78	74	2006	2006	NUM
ajbmeb-476	78	75	1406	1406	NUM
ajbmeb-476	78	76	6108	6108	NUM
ajbmeb-476	78	77	5309	5309	NUM
ajbmeb-476	78	78	49	49	NUM
ajbmeb-476	78	79	9	9	NUM
ajbmeb-476	78	80	53	53	NUM
ajbmeb-476	78	81	133	133	NUM
ajbmeb-476	78	82	739	739	NUM
ajbmeb-476	78	83	2269	2269	NUM
ajbmeb-476	78	84	5949	5949	NUM
ajbmeb-476	78	85	6004	6004	NUM
ajbmeb-476	78	86	0	0	NUM
ajbmeb-476	78	87	1000	1000	NUM
ajbmeb-476	78	88	2000	2000	NUM
ajbmeb-476	78	89	3000	3000	NUM
ajbmeb-476	78	90	4000	4000	NUM
ajbmeb-476	78	91	5000	5000	NUM
ajbmeb-476	78	92	6000	6000	NUM
ajbmeb-476	78	93	7000	7000	NUM
ajbmeb-476	79	1	i	i	PRON
ajbmeb-476	79	2	quarter	quarter	NOUN
ajbmeb-476	79	3	ii	ii	NUM
ajbmeb-476	79	4	quarter	quarter	NOUN
ajbmeb-476	79	5	iii	iii	NUM
ajbmeb-476	79	6	quarter	quarter	NOUN
ajbmeb-476	79	7	iv	iv	NUM
ajbmeb-476	79	8	quarter	quarter	NOUN
ajbmeb-476	80	1	i	i	PRON
ajbmeb-476	80	2	quarter	quarter	NOUN
ajbmeb-476	80	3	ii	ii	NUM
ajbmeb-476	80	4	quarter	quarter	NOUN
ajbmeb-476	80	5	iii	iii	NUM
ajbmeb-476	80	6	quarter	quarter	NOUN
ajbmeb-476	80	7	iv	iv	NUM
ajbmeb-476	80	8	quarter	quarter	NOUN
ajbmeb-476	80	9	2020	2020	NUM
ajbmeb-476	80	10	2021	2021	NUM
ajbmeb-476	80	11	number	number	NOUN
ajbmeb-476	80	12	sum	sum	NOUN
ajbmeb-476	80	13	american	american	PROPN
ajbmeb-476	80	14	journal	journal	PROPN
ajbmeb-476	80	15	of	of	ADP
ajbmeb-476	80	16	business	business	NOUN
ajbmeb-476	80	17	management	management	NOUN
ajbmeb-476	80	18	,	,	PUNCT
ajbmeb-476	80	19	economics	economic	NOUN
ajbmeb-476	80	20	and	and	CCONJ
ajbmeb-476	80	21	banking	banking	NOUN
ajbmeb-476	80	22	volume	volume	NOUN
ajbmeb-476	80	23	10	10	NUM
ajbmeb-476	80	24	march	march	NOUN
ajbmeb-476	80	25	,	,	PUNCT
ajbmeb-476	80	26	2023	2023	NUM
ajbmeb-476	80	27	p	p	NOUN
ajbmeb-476	80	28	a	a	DET
ajbmeb-476	80	29	g	g	NOUN
ajbmeb-476	80	30	e	e	NOUN
ajbmeb-476	80	31	|	|	NOUN
ajbmeb-476	80	32	43	43	NUM
ajbmeb-476	80	33	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-476	80	34	by	by	ADP
ajbmeb-476	80	35	the	the	DET
ajbmeb-476	80	36	"	"	PUNCT
ajbmeb-476	80	37	qr	qr	ADJ
ajbmeb-476	80	38	-	-	PUNCT
ajbmeb-476	80	39	online	online	ADJ
ajbmeb-476	80	40	"	"	PUNCT
ajbmeb-476	80	41	information	information	NOUN
ajbmeb-476	80	42	system	system	NOUN
ajbmeb-476	80	43	increased	increase	VERB
ajbmeb-476	80	44	by	by	ADP
ajbmeb-476	80	45	almost	almost	ADV
ajbmeb-476	80	46	1.5	1.5	NUM
ajbmeb-476	80	47	times	time	NOUN
ajbmeb-476	80	48	compared	compare	VERB
ajbmeb-476	80	49	to	to	ADP
ajbmeb-476	80	50	2020	2020	NUM
ajbmeb-476	80	51	and	and	CCONJ
ajbmeb-476	80	52	reached	reach	VERB
ajbmeb-476	80	53	92	92	NUM
ajbmeb-476	80	54	thousand	thousand	NUM
ajbmeb-476	80	55	.	.	PUNCT
ajbmeb-476	81	1	at	at	ADP
ajbmeb-476	81	2	the	the	DET
ajbmeb-476	81	3	same	same	ADJ
ajbmeb-476	81	4	time	time	NOUN
ajbmeb-476	81	5	,	,	PUNCT
ajbmeb-476	81	6	as	as	ADP
ajbmeb-476	81	7	part	part	NOUN
ajbmeb-476	81	8	of	of	ADP
ajbmeb-476	81	9	the	the	DET
ajbmeb-476	81	10	expansion	expansion	NOUN
ajbmeb-476	81	11	of	of	ADP
ajbmeb-476	81	12	contactless	contactless	ADJ
ajbmeb-476	81	13	payment	payment	NOUN
ajbmeb-476	81	14	technology	technology	NOUN
ajbmeb-476	81	15	,	,	PUNCT
ajbmeb-476	81	16	the	the	DET
ajbmeb-476	81	17	service	service	NOUN
ajbmeb-476	81	18	of	of	ADP
ajbmeb-476	81	19	making	make	VERB
ajbmeb-476	81	20	payments	payment	NOUN
ajbmeb-476	81	21	for	for	ADP
ajbmeb-476	81	22	trade	trade	NOUN
ajbmeb-476	81	23	and	and	CCONJ
ajbmeb-476	81	24	paid	pay	VERB
ajbmeb-476	81	25	services	service	NOUN
ajbmeb-476	81	26	without	without	ADP
ajbmeb-476	81	27	using	use	VERB
ajbmeb-476	81	28	a	a	DET
ajbmeb-476	81	29	bank	bank	NOUN
ajbmeb-476	81	30	card	card	NOUN
ajbmeb-476	81	31	through	through	ADP
ajbmeb-476	81	32	the	the	DET
ajbmeb-476	81	33	"	"	PUNCT
ajbmeb-476	81	34	humo	humo	ADJ
ajbmeb-476	81	35	pay	pay	NOUN
ajbmeb-476	81	36	"	"	PUNCT
ajbmeb-476	81	37	program	program	NOUN
ajbmeb-476	81	38	(	(	PUNCT
ajbmeb-476	81	39	nfc	nfc	NOUN
ajbmeb-476	81	40	system	system	NOUN
ajbmeb-476	81	41	of	of	ADP
ajbmeb-476	81	42	a	a	DET
ajbmeb-476	81	43	smartphone	smartphone	NOUN
ajbmeb-476	81	44	)	)	PUNCT
ajbmeb-476	81	45	is	be	AUX
ajbmeb-476	81	46	being	be	AUX
ajbmeb-476	81	47	provided	provide	VERB
ajbmeb-476	81	48	through	through	ADP
ajbmeb-476	81	49	the	the	DET
ajbmeb-476	81	50	mobile	mobile	ADJ
ajbmeb-476	81	51	applications	application	NOUN
ajbmeb-476	81	52	of	of	ADP
ajbmeb-476	81	53	14	14	NUM
ajbmeb-476	81	54	banks	bank	NOUN
ajbmeb-476	81	55	[	[	X
ajbmeb-476	81	56	14	14	NUM
ajbmeb-476	81	57	]	]	SYM
ajbmeb-476	81	58	.	.	PUNCT
ajbmeb-476	82	1	380	380	NUM
ajbmeb-476	82	2	business	business	NOUN
ajbmeb-476	82	3	entities	entity	NOUN
ajbmeb-476	82	4	have	have	AUX
ajbmeb-476	82	5	started	start	VERB
ajbmeb-476	82	6	using	use	VERB
ajbmeb-476	82	7	the	the	DET
ajbmeb-476	82	8	service	service	NOUN
ajbmeb-476	82	9	that	that	PRON
ajbmeb-476	82	10	allows	allow	VERB
ajbmeb-476	82	11	business	business	NOUN
ajbmeb-476	82	12	entities	entity	NOUN
ajbmeb-476	82	13	to	to	PART
ajbmeb-476	82	14	accept	accept	VERB
ajbmeb-476	82	15	payments	payment	NOUN
ajbmeb-476	82	16	through	through	ADP
ajbmeb-476	82	17	the	the	DET
ajbmeb-476	82	18	tap	tap	NOUN
ajbmeb-476	82	19	-	-	PUNCT
ajbmeb-476	82	20	to	to	ADP
ajbmeb-476	82	21	-	-	PUNCT
ajbmeb-476	82	22	phone	phone	NOUN
ajbmeb-476	82	23	system	system	NOUN
ajbmeb-476	82	24	(	(	PUNCT
ajbmeb-476	82	25	without	without	ADP
ajbmeb-476	82	26	a	a	DET
ajbmeb-476	82	27	terminal	terminal	NOUN
ajbmeb-476	82	28	)	)	PUNCT
ajbmeb-476	82	29	,	,	PUNCT
ajbmeb-476	82	30	which	which	PRON
ajbmeb-476	82	31	was	be	AUX
ajbmeb-476	82	32	introduced	introduce	VERB
ajbmeb-476	82	33	as	as	ADP
ajbmeb-476	82	34	part	part	NOUN
ajbmeb-476	82	35	of	of	ADP
ajbmeb-476	82	36	the	the	DET
ajbmeb-476	82	37	development	development	NOUN
ajbmeb-476	82	38	of	of	ADP
ajbmeb-476	82	39	contactless	contactless	ADJ
ajbmeb-476	82	40	payment	payment	NOUN
ajbmeb-476	82	41	services	service	NOUN
ajbmeb-476	82	42	.	.	PUNCT
ajbmeb-476	83	1	in	in	ADP
ajbmeb-476	83	2	2021	2021	NUM
ajbmeb-476	83	3	,	,	PUNCT
ajbmeb-476	83	4	the	the	DET
ajbmeb-476	83	5	volume	volume	NOUN
ajbmeb-476	83	6	of	of	ADP
ajbmeb-476	83	7	transactions	transaction	NOUN
ajbmeb-476	83	8	made	make	VERB
ajbmeb-476	83	9	on	on	ADP
ajbmeb-476	83	10	the	the	DET
ajbmeb-476	83	11	basis	basis	NOUN
ajbmeb-476	83	12	of	of	ADP
ajbmeb-476	83	13	nfc	nfc	NOUN
ajbmeb-476	83	14	technology	technology	NOUN
ajbmeb-476	83	15	will	will	AUX
ajbmeb-476	83	16	increase	increase	VERB
ajbmeb-476	83	17	by	by	ADP
ajbmeb-476	83	18	4	4	NUM
ajbmeb-476	83	19	times	time	NOUN
ajbmeb-476	83	20	compared	compare	VERB
ajbmeb-476	83	21	to	to	ADP
ajbmeb-476	83	22	2020	2020	NUM
ajbmeb-476	83	23	and	and	CCONJ
ajbmeb-476	83	24	will	will	AUX
ajbmeb-476	83	25	reach	reach	VERB
ajbmeb-476	83	26	11.8	11.8	NUM
ajbmeb-476	83	27	trillion	trillion	NUM
ajbmeb-476	83	28	.	.	PUNCT
ajbmeb-476	83	29	amounted	amount	VERB
ajbmeb-476	83	30	to	to	ADP
ajbmeb-476	83	31	soum	soum	PROPN
ajbmeb-476	83	32	.	.	PUNCT
ajbmeb-476	84	1	as	as	ADP
ajbmeb-476	84	2	a	a	DET
ajbmeb-476	84	3	result	result	NOUN
ajbmeb-476	84	4	,	,	PUNCT
ajbmeb-476	84	5	in	in	ADP
ajbmeb-476	84	6	2021	2021	NUM
ajbmeb-476	84	7	,	,	PUNCT
ajbmeb-476	84	8	the	the	DET
ajbmeb-476	84	9	penetration	penetration	NOUN
ajbmeb-476	84	10	rate	rate	NOUN
ajbmeb-476	84	11	of	of	ADP
ajbmeb-476	84	12	contactless	contactless	ADJ
ajbmeb-476	84	13	payment	payment	NOUN
ajbmeb-476	84	14	technologies	technology	NOUN
ajbmeb-476	84	15	reached	reach	VERB
ajbmeb-476	84	16	40	40	NUM
ajbmeb-476	84	17	percent	percent	NOUN
ajbmeb-476	84	18	.	.	PUNCT
ajbmeb-476	85	1	from	from	ADP
ajbmeb-476	85	2	september	september	PROPN
ajbmeb-476	85	3	2021	2021	NUM
ajbmeb-476	85	4	,	,	PUNCT
ajbmeb-476	85	5	a	a	DET
ajbmeb-476	85	6	digital	digital	ADJ
ajbmeb-476	85	7	identification	identification	NOUN
ajbmeb-476	85	8	mechanism	mechanism	NOUN
ajbmeb-476	85	9	(	(	PUNCT
ajbmeb-476	85	10	face	face	NOUN
ajbmeb-476	85	11	i	i	PROPN
ajbmeb-476	85	12	d	d	NOUN
ajbmeb-476	85	13	)	)	PUNCT
ajbmeb-476	85	14	was	be	AUX
ajbmeb-476	85	15	created	create	VERB
ajbmeb-476	85	16	in	in	ADP
ajbmeb-476	85	17	the	the	DET
ajbmeb-476	85	18	provision	provision	NOUN
ajbmeb-476	85	19	of	of	ADP
ajbmeb-476	85	20	mobile	mobile	ADJ
ajbmeb-476	85	21	services	service	NOUN
ajbmeb-476	85	22	.	.	PUNCT
ajbmeb-476	86	1	to	to	ADP
ajbmeb-476	86	2	date	date	NOUN
ajbmeb-476	86	3	,	,	PUNCT
ajbmeb-476	86	4	11	11	NUM
ajbmeb-476	86	5	commercial	commercial	ADJ
ajbmeb-476	86	6	banks	bank	NOUN
ajbmeb-476	86	7	,	,	PUNCT
ajbmeb-476	86	8	4	4	NUM
ajbmeb-476	86	9	payment	payment	NOUN
ajbmeb-476	86	10	organizations	organization	NOUN
ajbmeb-476	86	11	and	and	CCONJ
ajbmeb-476	86	12	4	4	NUM
ajbmeb-476	86	13	marketplaces	marketplace	NOUN
ajbmeb-476	86	14	use	use	VERB
ajbmeb-476	86	15	this	this	DET
ajbmeb-476	86	16	technology.[15	technology.[15	PROPN
ajbmeb-476	86	17	]	]	PUNCT
ajbmeb-476	86	18	in	in	ADP
ajbmeb-476	86	19	turn	turn	NOUN
ajbmeb-476	86	20	,	,	PUNCT
ajbmeb-476	86	21	for	for	ADP
ajbmeb-476	86	22	enterprises	enterprise	NOUN
ajbmeb-476	86	23	and	and	CCONJ
ajbmeb-476	86	24	organizations	organization	NOUN
ajbmeb-476	86	25	,	,	PUNCT
ajbmeb-476	86	26	through	through	ADP
ajbmeb-476	86	27	remote	remote	ADJ
ajbmeb-476	86	28	management	management	NOUN
ajbmeb-476	86	29	systems	system	NOUN
ajbmeb-476	86	30	of	of	ADP
ajbmeb-476	86	31	bank	bank	NOUN
ajbmeb-476	86	32	accounts	account	NOUN
ajbmeb-476	86	33	,	,	PUNCT
ajbmeb-476	86	34	realtime	realtime	NOUN
ajbmeb-476	86	35	management	management	NOUN
ajbmeb-476	86	36	of	of	ADP
ajbmeb-476	86	37	funds	fund	NOUN
ajbmeb-476	86	38	in	in	ADP
ajbmeb-476	86	39	bank	bank	NOUN
ajbmeb-476	86	40	accounts	account	NOUN
ajbmeb-476	86	41	and	and	CCONJ
ajbmeb-476	86	42	making	make	VERB
ajbmeb-476	86	43	payments	payment	NOUN
ajbmeb-476	86	44	,	,	PUNCT
ajbmeb-476	86	45	sending	send	VERB
ajbmeb-476	86	46	an	an	DET
ajbmeb-476	86	47	order	order	NOUN
ajbmeb-476	86	48	for	for	ADP
ajbmeb-476	86	49	the	the	DET
ajbmeb-476	86	50	purchase	purchase	NOUN
ajbmeb-476	86	51	(	(	PUNCT
ajbmeb-476	86	52	conversion	conversion	NOUN
ajbmeb-476	86	53	)	)	PUNCT
ajbmeb-476	86	54	of	of	ADP
ajbmeb-476	86	55	foreign	foreign	ADJ
ajbmeb-476	86	56	currency	currency	NOUN
ajbmeb-476	86	57	funds	fund	NOUN
ajbmeb-476	86	58	to	to	ADP
ajbmeb-476	86	59	the	the	DET
ajbmeb-476	86	60	service	service	NOUN
ajbmeb-476	86	61	bank	bank	NOUN
ajbmeb-476	86	62	in	in	ADP
ajbmeb-476	86	63	electronic	electronic	ADJ
ajbmeb-476	86	64	form	form	NOUN
ajbmeb-476	86	65	,	,	PUNCT
ajbmeb-476	86	66	transferring	transfer	VERB
ajbmeb-476	86	67	monthly	monthly	ADJ
ajbmeb-476	86	68	wages	wage	NOUN
ajbmeb-476	86	69	and	and	CCONJ
ajbmeb-476	86	70	equivalent	equivalent	ADJ
ajbmeb-476	86	71	payments	payment	NOUN
ajbmeb-476	86	72	opportunities	opportunity	NOUN
ajbmeb-476	86	73	were	be	AUX
ajbmeb-476	86	74	created	create	VERB
ajbmeb-476	86	75	for	for	ADP
ajbmeb-476	86	76	transferring	transfer	VERB
ajbmeb-476	86	77	an	an	DET
ajbmeb-476	86	78	electronic	electronic	ADJ
ajbmeb-476	86	79	account	account	NOUN
ajbmeb-476	86	80	to	to	ADP
ajbmeb-476	86	81	the	the	DET
ajbmeb-476	86	82	bank	bank	NOUN
ajbmeb-476	86	83	and	and	CCONJ
ajbmeb-476	86	84	using	use	VERB
ajbmeb-476	86	85	other	other	ADJ
ajbmeb-476	86	86	services	service	NOUN
ajbmeb-476	86	87	.	.	PUNCT
ajbmeb-476	87	1	figure	figure	NOUN
ajbmeb-476	87	2	2	2	NUM
ajbmeb-476	87	3	.	.	PUNCT
ajbmeb-476	87	4	figure	figure	NOUN
ajbmeb-476	87	5	2	2	NUM
ajbmeb-476	87	6	.	.	NOUN
ajbmeb-476	87	7	number	number	NOUN
ajbmeb-476	87	8	of	of	ADP
ajbmeb-476	87	9	users	user	NOUN
ajbmeb-476	87	10	of	of	ADP
ajbmeb-476	87	11	remote	remote	ADJ
ajbmeb-476	87	12	banking	banking	NOUN
ajbmeb-476	87	13	services	service	NOUN
ajbmeb-476	87	14	systems	system	NOUN
ajbmeb-476	87	15	(	(	PUNCT
ajbmeb-476	87	16	thousand	thousand	NUM
ajbmeb-476	87	17	people	people	NOUN
ajbmeb-476	87	18	)	)	PUNCT
ajbmeb-476	88	1	[	[	X
ajbmeb-476	88	2	16	16	NUM
ajbmeb-476	88	3	]	]	PUNCT
ajbmeb-476	88	4	due	due	ADP
ajbmeb-476	88	5	to	to	ADP
ajbmeb-476	88	6	the	the	DET
ajbmeb-476	88	7	digitization	digitization	NOUN
ajbmeb-476	88	8	of	of	ADP
ajbmeb-476	88	9	banking	banking	NOUN
ajbmeb-476	88	10	services	service	NOUN
ajbmeb-476	88	11	,	,	PUNCT
ajbmeb-476	88	12	convenience	convenience	NOUN
ajbmeb-476	88	13	created	create	VERB
ajbmeb-476	88	14	for	for	ADP
ajbmeb-476	88	15	customers	customer	NOUN
ajbmeb-476	88	16	,	,	PUNCT
ajbmeb-476	88	17	the	the	DET
ajbmeb-476	88	18	bank	bank	NOUN
ajbmeb-476	88	19	can	can	AUX
ajbmeb-476	88	20	use	use	VERB
ajbmeb-476	88	21	remote	remote	ADJ
ajbmeb-476	88	22	banking	banking	NOUN
ajbmeb-476	88	23	services	service	NOUN
ajbmeb-476	88	24	(	(	PUNCT
ajbmeb-476	88	25	management	management	NOUN
ajbmeb-476	88	26	of	of	ADP
ajbmeb-476	88	27	funds	fund	NOUN
ajbmeb-476	88	28	in	in	ADP
ajbmeb-476	88	29	bank	bank	NOUN
ajbmeb-476	88	30	accounts	account	NOUN
ajbmeb-476	88	31	using	use	VERB
ajbmeb-476	88	32	internet	internet	NOUN
ajbmeb-476	88	33	banking	banking	NOUN
ajbmeb-476	88	34	and	and	CCONJ
ajbmeb-476	88	35	mobile	mobile	NOUN
ajbmeb-476	88	36	banking	banking	NOUN
ajbmeb-476	88	37	services	service	NOUN
ajbmeb-476	88	38	,	,	PUNCT
ajbmeb-476	88	39	management	management	NOUN
ajbmeb-476	88	40	of	of	ADP
ajbmeb-476	88	41	funds	fund	NOUN
ajbmeb-476	88	42	in	in	ADP
ajbmeb-476	88	43	bank	bank	NOUN
ajbmeb-476	88	44	plastic	plastic	NOUN
ajbmeb-476	88	45	cards	card	NOUN
ajbmeb-476	88	46	using	use	VERB
ajbmeb-476	88	47	ussd	ussd	ADJ
ajbmeb-476	88	48	request	request	NOUN
ajbmeb-476	88	49	,	,	PUNCT
ajbmeb-476	88	50	receiving	receive	VERB
ajbmeb-476	88	51	information	information	NOUN
ajbmeb-476	88	52	about	about	ADP
ajbmeb-476	88	53	the	the	DET
ajbmeb-476	88	54	movement	movement	NOUN
ajbmeb-476	88	55	of	of	ADP
ajbmeb-476	88	56	funds	fund	NOUN
ajbmeb-476	88	57	in	in	ADP
ajbmeb-476	88	58	the	the	DET
ajbmeb-476	88	59	account	account	NOUN
ajbmeb-476	88	60	using	use	VERB
ajbmeb-476	88	61	sms	sms	NOUN
ajbmeb-476	88	62	notifications	notification	NOUN
ajbmeb-476	88	63	)	)	PUNCT
ajbmeb-476	88	64	as	as	ADP
ajbmeb-476	88	65	of	of	ADP
ajbmeb-476	88	66	january	january	PROPN
ajbmeb-476	88	67	1	1	NUM
ajbmeb-476	88	68	,	,	PUNCT
ajbmeb-476	88	69	2023	2023	NUM
ajbmeb-476	88	70	,	,	PUNCT
ajbmeb-476	88	71	the	the	DET
ajbmeb-476	88	72	number	number	NOUN
ajbmeb-476	88	73	of	of	ADP
ajbmeb-476	88	74	users	user	NOUN
ajbmeb-476	88	75	increased	increase	VERB
ajbmeb-476	88	76	by	by	ADP
ajbmeb-476	88	77	3.7	3.7	NUM
ajbmeb-476	88	78	times	time	NOUN
ajbmeb-476	88	79	or	or	CCONJ
ajbmeb-476	88	80	from	from	ADP
ajbmeb-476	88	81	7,959	7,959	NUM
ajbmeb-476	88	82	thousand	thousand	NUM
ajbmeb-476	88	83	to	to	PART
ajbmeb-476	88	84	30,001	30,001	NUM
ajbmeb-476	88	85	thousand	thousand	NUM
ajbmeb-476	88	86	compared	compare	VERB
ajbmeb-476	88	87	to	to	ADP
ajbmeb-476	88	88	the	the	DET
ajbmeb-476	88	89	corresponding	corresponding	ADJ
ajbmeb-476	88	90	period	period	NOUN
ajbmeb-476	88	91	of	of	ADP
ajbmeb-476	88	92	2019	2019	NUM
ajbmeb-476	88	93	.	.	PUNCT
ajbmeb-476	89	1	the	the	DET
ajbmeb-476	89	2	implementation	implementation	NOUN
ajbmeb-476	89	3	of	of	ADP
ajbmeb-476	89	4	digital	digital	ADJ
ajbmeb-476	89	5	technologies	technology	NOUN
ajbmeb-476	89	6	in	in	ADP
ajbmeb-476	89	7	the	the	DET
ajbmeb-476	89	8	banking	banking	NOUN
ajbmeb-476	89	9	platform	platform	NOUN
ajbmeb-476	89	10	has	have	VERB
ajbmeb-476	89	11	a	a	DET
ajbmeb-476	89	12	significant	significant	ADJ
ajbmeb-476	89	13	impact	impact	NOUN
ajbmeb-476	89	14	on	on	ADP
ajbmeb-476	89	15	the	the	DET
ajbmeb-476	89	16	workforce	workforce	NOUN
ajbmeb-476	89	17	and	and	CCONJ
ajbmeb-476	89	18	personnel	personnel	NOUN
ajbmeb-476	89	19	management	management	NOUN
ajbmeb-476	89	20	system	system	NOUN
ajbmeb-476	89	21	,	,	PUNCT
ajbmeb-476	89	22	thereby	thereby	ADV
ajbmeb-476	89	23	reducing	reduce	VERB
ajbmeb-476	89	24	the	the	DET
ajbmeb-476	89	25	workforce	workforce	NOUN
ajbmeb-476	89	26	by	by	ADP
ajbmeb-476	89	27	automating	automate	VERB
ajbmeb-476	89	28	the	the	DET
ajbmeb-476	89	29	process	process	NOUN
ajbmeb-476	89	30	.	.	PUNCT
ajbmeb-476	90	1	american	american	ADJ
ajbmeb-476	90	2	journal	journal	PROPN
ajbmeb-476	90	3	of	of	ADP
ajbmeb-476	90	4	business	business	NOUN
ajbmeb-476	90	5	management	management	NOUN
ajbmeb-476	90	6	,	,	PUNCT
ajbmeb-476	90	7	economics	economic	NOUN
ajbmeb-476	90	8	and	and	CCONJ
ajbmeb-476	90	9	banking	banking	NOUN
ajbmeb-476	90	10	volume	volume	NOUN
ajbmeb-476	90	11	10	10	NUM
ajbmeb-476	90	12	march	march	NOUN
ajbmeb-476	90	13	,	,	PUNCT
ajbmeb-476	90	14	2023	2023	NUM
ajbmeb-476	90	15	p	p	NOUN
ajbmeb-476	90	16	a	a	DET
ajbmeb-476	90	17	g	g	NOUN
ajbmeb-476	90	18	e	e	NOUN
ajbmeb-476	90	19	|	|	ADV
ajbmeb-476	90	20	44	44	NUM
ajbmeb-476	90	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-476	90	22	the	the	DET
ajbmeb-476	90	23	main	main	ADJ
ajbmeb-476	90	24	problems	problem	NOUN
ajbmeb-476	90	25	in	in	ADP
ajbmeb-476	90	26	the	the	DET
ajbmeb-476	90	27	digitalization	digitalization	NOUN
ajbmeb-476	90	28	of	of	ADP
ajbmeb-476	90	29	the	the	DET
ajbmeb-476	90	30	banking	banking	NOUN
ajbmeb-476	90	31	system	system	NOUN
ajbmeb-476	90	32	are	be	AUX
ajbmeb-476	90	33	the	the	DET
ajbmeb-476	90	34	lack	lack	NOUN
ajbmeb-476	90	35	of	of	ADP
ajbmeb-476	90	36	qualified	qualified	ADJ
ajbmeb-476	90	37	it	it	PRON
ajbmeb-476	90	38	specialists	specialist	NOUN
ajbmeb-476	90	39	,	,	PUNCT
ajbmeb-476	90	40	low	low	ADJ
ajbmeb-476	90	41	internet	internet	NOUN
ajbmeb-476	90	42	speed	speed	NOUN
ajbmeb-476	90	43	and	and	CCONJ
ajbmeb-476	90	44	coverage	coverage	NOUN
ajbmeb-476	90	45	.	.	PUNCT
ajbmeb-476	91	1	however	however	ADV
ajbmeb-476	91	2	,	,	PUNCT
ajbmeb-476	91	3	in	in	ADP
ajbmeb-476	91	4	our	our	PRON
ajbmeb-476	91	5	country	country	NOUN
ajbmeb-476	91	6	,	,	PUNCT
ajbmeb-476	91	7	special	special	ADJ
ajbmeb-476	91	8	attention	attention	NOUN
ajbmeb-476	91	9	is	be	AUX
ajbmeb-476	91	10	being	be	AUX
ajbmeb-476	91	11	paid	pay	VERB
ajbmeb-476	91	12	to	to	ADP
ajbmeb-476	91	13	the	the	DET
ajbmeb-476	91	14	training	training	NOUN
ajbmeb-476	91	15	of	of	ADP
ajbmeb-476	91	16	it	it	PRON
ajbmeb-476	91	17	specialists	specialist	NOUN
ajbmeb-476	91	18	and	and	CCONJ
ajbmeb-476	91	19	their	their	PRON
ajbmeb-476	91	20	qualification	qualification	NOUN
ajbmeb-476	91	21	,	,	PUNCT
ajbmeb-476	91	22	for	for	ADP
ajbmeb-476	91	23	example	example	NOUN
ajbmeb-476	91	24	,	,	PUNCT
ajbmeb-476	91	25	within	within	ADP
ajbmeb-476	91	26	the	the	DET
ajbmeb-476	91	27	framework	framework	NOUN
ajbmeb-476	91	28	of	of	ADP
ajbmeb-476	91	29	the	the	DET
ajbmeb-476	91	30	"	"	PUNCT
ajbmeb-476	91	31	one	one	NUM
ajbmeb-476	91	32	million	million	NUM
ajbmeb-476	91	33	uzbek	uzbek	ADJ
ajbmeb-476	91	34	developers	developer	NOUN
ajbmeb-476	91	35	"	"	PUNCT
ajbmeb-476	91	36	project	project	NOUN
ajbmeb-476	91	37	in	in	ADP
ajbmeb-476	91	38	cooperation	cooperation	NOUN
ajbmeb-476	91	39	between	between	ADP
ajbmeb-476	91	40	uzbekistan	uzbekistan	PROPN
ajbmeb-476	91	41	and	and	CCONJ
ajbmeb-476	91	42	the	the	DET
ajbmeb-476	91	43	uae	uae	PROPN
ajbmeb-476	91	44	,	,	PUNCT
ajbmeb-476	91	45	about	about	ADV
ajbmeb-476	91	46	1.2	1.2	NUM
ajbmeb-476	91	47	million	million	NUM
ajbmeb-476	91	48	uzbeks	uzbeks	PROPN
ajbmeb-476	91	49	have	have	AUX
ajbmeb-476	91	50	completed	complete	VERB
ajbmeb-476	91	51	courses	course	NOUN
ajbmeb-476	91	52	in	in	ADP
ajbmeb-476	91	53	the	the	DET
ajbmeb-476	91	54	field	field	NOUN
ajbmeb-476	91	55	of	of	ADP
ajbmeb-476	91	56	it	it	PRON
ajbmeb-476	91	57	.	.	PUNCT
ajbmeb-476	92	1	the	the	DET
ajbmeb-476	92	2	total	total	ADJ
ajbmeb-476	92	3	number	number	NOUN
ajbmeb-476	92	4	of	of	ADP
ajbmeb-476	92	5	students	student	NOUN
ajbmeb-476	92	6	registered	register	VERB
ajbmeb-476	92	7	for	for	ADP
ajbmeb-476	92	8	education	education	NOUN
ajbmeb-476	92	9	under	under	ADP
ajbmeb-476	92	10	the	the	DET
ajbmeb-476	92	11	"	"	PUNCT
ajbmeb-476	92	12	one	one	NUM
ajbmeb-476	92	13	million	million	NUM
ajbmeb-476	92	14	uzbek	uzbek	PROPN
ajbmeb-476	92	15	coders	coder	NOUN
ajbmeb-476	92	16	"	"	PUNCT
ajbmeb-476	92	17	program	program	NOUN
ajbmeb-476	92	18	within	within	ADP
ajbmeb-476	92	19	the	the	DET
ajbmeb-476	92	20	framework	framework	NOUN
ajbmeb-476	92	21	of	of	ADP
ajbmeb-476	92	22	the	the	DET
ajbmeb-476	92	23	project	project	NOUN
ajbmeb-476	92	24	exceeds	exceed	VERB
ajbmeb-476	92	25	2.5	2.5	NUM
ajbmeb-476	92	26	million	million	NUM
ajbmeb-476	92	27	people	people	NOUN
ajbmeb-476	92	28	.	.	PUNCT
ajbmeb-476	93	1	more	more	ADJ
ajbmeb-476	93	2	than	than	ADP
ajbmeb-476	93	3	1.55	1.55	NUM
ajbmeb-476	93	4	million	million	NUM
ajbmeb-476	93	5	of	of	ADP
ajbmeb-476	93	6	them	they	PRON
ajbmeb-476	93	7	were	be	AUX
ajbmeb-476	93	8	participants	participant	NOUN
ajbmeb-476	93	9	and	and	CCONJ
ajbmeb-476	93	10	1.17	1.17	NUM
ajbmeb-476	93	11	million	million	NUM
ajbmeb-476	93	12	successfully	successfully	ADV
ajbmeb-476	93	13	completed	complete	VERB
ajbmeb-476	93	14	the	the	DET
ajbmeb-476	93	15	training	training	NOUN
ajbmeb-476	93	16	course	course	NOUN
ajbmeb-476	93	17	.	.	PUNCT
ajbmeb-476	94	1	also	also	ADV
ajbmeb-476	94	2	,	,	PUNCT
ajbmeb-476	94	3	the	the	DET
ajbmeb-476	94	4	interruptions	interruption	NOUN
ajbmeb-476	94	5	of	of	ADP
ajbmeb-476	94	6	mobile	mobile	ADJ
ajbmeb-476	94	7	applications	application	NOUN
ajbmeb-476	94	8	initially	initially	ADV
ajbmeb-476	94	9	presented	present	VERB
ajbmeb-476	94	10	to	to	ADP
ajbmeb-476	94	11	the	the	DET
ajbmeb-476	94	12	general	general	ADJ
ajbmeb-476	94	13	population	population	NOUN
ajbmeb-476	94	14	in	in	ADP
ajbmeb-476	94	15	commercial	commercial	ADJ
ajbmeb-476	94	16	banks	bank	NOUN
ajbmeb-476	94	17	and	and	CCONJ
ajbmeb-476	94	18	the	the	DET
ajbmeb-476	94	19	complexity	complexity	NOUN
ajbmeb-476	94	20	of	of	ADP
ajbmeb-476	94	21	transactions	transaction	NOUN
ajbmeb-476	94	22	created	create	VERB
ajbmeb-476	94	23	the	the	DET
ajbmeb-476	94	24	basis	basis	NOUN
ajbmeb-476	94	25	for	for	ADP
ajbmeb-476	94	26	attracting	attract	VERB
ajbmeb-476	94	27	customers	customer	NOUN
ajbmeb-476	94	28	to	to	ADP
ajbmeb-476	94	29	digital	digital	ADJ
ajbmeb-476	94	30	banks	bank	NOUN
ajbmeb-476	94	31	and	and	CCONJ
ajbmeb-476	94	32	electronic	electronic	ADJ
ajbmeb-476	94	33	payment	payment	NOUN
ajbmeb-476	94	34	systems	system	NOUN
ajbmeb-476	94	35	(	(	PUNCT
ajbmeb-476	94	36	fintech	fintech	NOUN
ajbmeb-476	94	37	projects	project	NOUN
ajbmeb-476	94	38	)	)	PUNCT
ajbmeb-476	94	39	.	.	PUNCT
ajbmeb-476	95	1	electronic	electronic	ADJ
ajbmeb-476	95	2	payment	payment	NOUN
ajbmeb-476	95	3	systems	system	NOUN
ajbmeb-476	95	4	such	such	ADJ
ajbmeb-476	95	5	as	as	ADP
ajbmeb-476	95	6	click	click	NOUN
ajbmeb-476	95	7	,	,	PUNCT
ajbmeb-476	95	8	payme	payme	NOUN
ajbmeb-476	95	9	,	,	PUNCT
ajbmeb-476	95	10	oson	oson	NOUN
ajbmeb-476	95	11	,	,	PUNCT
ajbmeb-476	95	12	u	u	NOUN
ajbmeb-476	95	13	-	-	NOUN
ajbmeb-476	95	14	pay	pay	NOUN
ajbmeb-476	95	15	have	have	VERB
ajbmeb-476	95	16	their	their	PRON
ajbmeb-476	95	17	place	place	NOUN
ajbmeb-476	95	18	in	in	ADP
ajbmeb-476	95	19	the	the	DET
ajbmeb-476	95	20	retail	retail	ADJ
ajbmeb-476	95	21	financial	financial	ADJ
ajbmeb-476	95	22	market	market	NOUN
ajbmeb-476	95	23	of	of	ADP
ajbmeb-476	95	24	uzbekistan	uzbekistan	PROPN
ajbmeb-476	95	25	.	.	PUNCT
ajbmeb-476	96	1	changing	change	VERB
ajbmeb-476	96	2	the	the	DET
ajbmeb-476	96	3	legal	legal	ADJ
ajbmeb-476	96	4	status	status	NOUN
ajbmeb-476	96	5	of	of	ADP
ajbmeb-476	96	6	fintech	fintech	NOUN
ajbmeb-476	96	7	companies	company	NOUN
ajbmeb-476	96	8	to	to	ADP
ajbmeb-476	96	9	a	a	DET
ajbmeb-476	96	10	"	"	PUNCT
ajbmeb-476	96	11	non	non	ADJ
ajbmeb-476	96	12	-	-	ADJ
ajbmeb-476	96	13	bank	bank	ADJ
ajbmeb-476	96	14	credit	credit	NOUN
ajbmeb-476	96	15	organization	organization	NOUN
ajbmeb-476	96	16	"	"	PUNCT
ajbmeb-476	96	17	will	will	AUX
ajbmeb-476	96	18	allow	allow	VERB
ajbmeb-476	96	19	them	they	PRON
ajbmeb-476	96	20	to	to	PART
ajbmeb-476	96	21	provide	provide	VERB
ajbmeb-476	96	22	online	online	ADJ
ajbmeb-476	96	23	loans	loan	NOUN
ajbmeb-476	96	24	on	on	ADP
ajbmeb-476	96	25	favorable	favorable	ADJ
ajbmeb-476	96	26	terms	term	NOUN
ajbmeb-476	96	27	to	to	ADP
ajbmeb-476	96	28	a	a	DET
ajbmeb-476	96	29	large	large	ADJ
ajbmeb-476	96	30	segment	segment	NOUN
ajbmeb-476	96	31	of	of	ADP
ajbmeb-476	96	32	the	the	DET
ajbmeb-476	96	33	population	population	NOUN
ajbmeb-476	96	34	.	.	PUNCT
ajbmeb-476	97	1	this	this	PRON
ajbmeb-476	97	2	leads	lead	VERB
ajbmeb-476	97	3	to	to	ADP
ajbmeb-476	97	4	further	far	ADV
ajbmeb-476	97	5	strengthening	strengthen	VERB
ajbmeb-476	97	6	of	of	ADP
ajbmeb-476	97	7	healthy	healthy	ADJ
ajbmeb-476	97	8	competition	competition	NOUN
ajbmeb-476	97	9	in	in	ADP
ajbmeb-476	97	10	the	the	DET
ajbmeb-476	97	11	financial	financial	ADJ
ajbmeb-476	97	12	market	market	NOUN
ajbmeb-476	97	13	[	[	X
ajbmeb-476	97	14	17	17	NUM
ajbmeb-476	97	15	]	]	PUNCT
ajbmeb-476	97	16	.	.	PUNCT
ajbmeb-476	98	1	according	accord	VERB
ajbmeb-476	98	2	to	to	ADP
ajbmeb-476	98	3	the	the	DET
ajbmeb-476	98	4	report	report	NOUN
ajbmeb-476	98	5	of	of	ADP
ajbmeb-476	98	6	mckinsey	mckinsey	NOUN
ajbmeb-476	98	7	consulting	consulting	NOUN
ajbmeb-476	98	8	organization	organization	NOUN
ajbmeb-476	98	9	,	,	PUNCT
ajbmeb-476	98	10	the	the	DET
ajbmeb-476	98	11	return	return	NOUN
ajbmeb-476	98	12	on	on	ADP
ajbmeb-476	98	13	private	private	ADJ
ajbmeb-476	98	14	equity	equity	NOUN
ajbmeb-476	98	15	(	(	PUNCT
ajbmeb-476	98	16	roe	roe	NOUN
ajbmeb-476	98	17	)	)	PUNCT
ajbmeb-476	98	18	in	in	ADP
ajbmeb-476	98	19	the	the	DET
ajbmeb-476	98	20	banks	bank	NOUN
ajbmeb-476	98	21	of	of	ADP
ajbmeb-476	98	22	the	the	DET
ajbmeb-476	98	23	world	world	NOUN
ajbmeb-476	98	24	has	have	AUX
ajbmeb-476	98	25	remained	remain	VERB
ajbmeb-476	98	26	stable	stable	ADJ
ajbmeb-476	98	27	,	,	PUNCT
ajbmeb-476	98	28	that	that	ADV
ajbmeb-476	98	29	is	is	ADV
ajbmeb-476	98	30	,	,	PUNCT
ajbmeb-476	98	31	in	in	ADP
ajbmeb-476	98	32	the	the	DET
ajbmeb-476	98	33	last	last	ADJ
ajbmeb-476	98	34	10	10	NUM
ajbmeb-476	98	35	years	year	NOUN
ajbmeb-476	98	36	,	,	PUNCT
ajbmeb-476	98	37	this	this	DET
ajbmeb-476	98	38	indicator	indicator	NOUN
ajbmeb-476	98	39	has	have	AUX
ajbmeb-476	98	40	been	be	AUX
ajbmeb-476	98	41	around	around	ADV
ajbmeb-476	98	42	8	8	NUM
ajbmeb-476	98	43	-	-	SYM
ajbmeb-476	98	44	10	10	NUM
ajbmeb-476	98	45	percent	percent	NOUN
ajbmeb-476	98	46	on	on	ADP
ajbmeb-476	98	47	average	average	ADJ
ajbmeb-476	98	48	.	.	PUNCT
ajbmeb-476	99	1	this	this	DET
ajbmeb-476	99	2	indicator	indicator	NOUN
ajbmeb-476	99	3	is	be	AUX
ajbmeb-476	99	4	estimated	estimate	VERB
ajbmeb-476	99	5	to	to	PART
ajbmeb-476	99	6	be	be	AUX
ajbmeb-476	99	7	in	in	ADP
ajbmeb-476	99	8	the	the	DET
ajbmeb-476	99	9	range	range	NOUN
ajbmeb-476	99	10	of	of	ADP
ajbmeb-476	99	11	5.2–9.3	5.2–9.3	NUM
ajbmeb-476	99	12	percent	percent	NOUN
ajbmeb-476	99	13	by	by	ADP
ajbmeb-476	99	14	2025[18	2025[18	NUM
ajbmeb-476	99	15	]	]	PUNCT
ajbmeb-476	99	16	.	.	PUNCT
ajbmeb-476	100	1	the	the	DET
ajbmeb-476	100	2	ratio	ratio	NOUN
ajbmeb-476	100	3	of	of	ADP
ajbmeb-476	100	4	net	net	ADJ
ajbmeb-476	100	5	profit	profit	NOUN
ajbmeb-476	100	6	to	to	ADP
ajbmeb-476	100	7	total	total	ADJ
ajbmeb-476	100	8	capital	capital	NOUN
ajbmeb-476	100	9	(	(	PUNCT
ajbmeb-476	100	10	roe	roe	NOUN
ajbmeb-476	100	11	)	)	PUNCT
ajbmeb-476	100	12	of	of	ADP
ajbmeb-476	100	13	commercial	commercial	ADJ
ajbmeb-476	100	14	banks	bank	NOUN
ajbmeb-476	100	15	of	of	ADP
ajbmeb-476	100	16	uzbekistan	uzbekistan	PROPN
ajbmeb-476	100	17	is	be	AUX
ajbmeb-476	100	18	6.1	6.1	NUM
ajbmeb-476	100	19	percent	percent	NOUN
ajbmeb-476	100	20	as	as	ADP
ajbmeb-476	100	21	of	of	ADP
ajbmeb-476	100	22	january	january	PROPN
ajbmeb-476	100	23	1	1	NUM
ajbmeb-476	100	24	,	,	PUNCT
ajbmeb-476	100	25	2022	2022	NUM
ajbmeb-476	100	26	,	,	PUNCT
ajbmeb-476	100	27	and	and	CCONJ
ajbmeb-476	100	28	13.3	13.3	NUM
ajbmeb-476	100	29	percent	percent	NOUN
ajbmeb-476	100	30	as	as	ADP
ajbmeb-476	100	31	of	of	ADP
ajbmeb-476	100	32	january	january	PROPN
ajbmeb-476	100	33	1	1	NUM
ajbmeb-476	100	34	,	,	PUNCT
ajbmeb-476	100	35	2023	2023	NUM
ajbmeb-476	100	36	[	[	X
ajbmeb-476	100	37	19	19	NUM
ajbmeb-476	100	38	]	]	PUNCT
ajbmeb-476	100	39	.	.	PUNCT
ajbmeb-476	101	1	this	this	DET
ajbmeb-476	101	2	situation	situation	NOUN
ajbmeb-476	101	3	encourages	encourage	VERB
ajbmeb-476	101	4	the	the	DET
ajbmeb-476	101	5	development	development	NOUN
ajbmeb-476	101	6	of	of	ADP
ajbmeb-476	101	7	the	the	DET
ajbmeb-476	101	8	ecosystem	ecosystem	NOUN
ajbmeb-476	101	9	mechanism	mechanism	NOUN
ajbmeb-476	101	10	of	of	ADP
ajbmeb-476	101	11	the	the	DET
ajbmeb-476	101	12	banking	banking	NOUN
ajbmeb-476	101	13	system	system	NOUN
ajbmeb-476	101	14	,	,	PUNCT
ajbmeb-476	101	15	not	not	PART
ajbmeb-476	101	16	limited	limit	VERB
ajbmeb-476	101	17	to	to	ADP
ajbmeb-476	101	18	financial	financial	ADJ
ajbmeb-476	101	19	services	service	NOUN
ajbmeb-476	101	20	.	.	PUNCT
ajbmeb-476	102	1	e	e	X
ajbmeb-476	102	2	-	-	NOUN
ajbmeb-476	102	3	commerce	commerce	NOUN
ajbmeb-476	102	4	online	online	ADJ
ajbmeb-476	102	5	platforms	platform	NOUN
ajbmeb-476	102	6	allow	allow	VERB
ajbmeb-476	102	7	banks	bank	NOUN
ajbmeb-476	102	8	to	to	PART
ajbmeb-476	102	9	stay	stay	VERB
ajbmeb-476	102	10	in	in	ADP
ajbmeb-476	102	11	close	close	ADJ
ajbmeb-476	102	12	contact	contact	NOUN
ajbmeb-476	102	13	with	with	ADP
ajbmeb-476	102	14	their	their	PRON
ajbmeb-476	102	15	customers	customer	NOUN
ajbmeb-476	102	16	and	and	CCONJ
ajbmeb-476	102	17	determine	determine	VERB
ajbmeb-476	102	18	their	their	PRON
ajbmeb-476	102	19	financial	financial	ADJ
ajbmeb-476	102	20	situation	situation	NOUN
ajbmeb-476	102	21	,	,	PUNCT
ajbmeb-476	102	22	psychological	psychological	ADJ
ajbmeb-476	102	23	portrait	portrait	NOUN
ajbmeb-476	102	24	,	,	PUNCT
ajbmeb-476	102	25	and	and	CCONJ
ajbmeb-476	102	26	wishes	wish	NOUN
ajbmeb-476	102	27	.	.	PUNCT
ajbmeb-476	103	1	conclusions	conclusion	NOUN
ajbmeb-476	103	2	and	and	CCONJ
ajbmeb-476	103	3	suggestions	suggestion	NOUN
ajbmeb-476	103	4	the	the	DET
ajbmeb-476	103	5	introduction	introduction	NOUN
ajbmeb-476	103	6	of	of	ADP
ajbmeb-476	103	7	digital	digital	ADJ
ajbmeb-476	103	8	technologies	technology	NOUN
ajbmeb-476	103	9	into	into	ADP
ajbmeb-476	103	10	the	the	DET
ajbmeb-476	103	11	banking	banking	NOUN
ajbmeb-476	103	12	activity	activity	NOUN
ajbmeb-476	103	13	increases	increase	VERB
ajbmeb-476	103	14	the	the	DET
ajbmeb-476	103	15	efficiency	efficiency	NOUN
ajbmeb-476	103	16	of	of	ADP
ajbmeb-476	103	17	the	the	DET
ajbmeb-476	103	18	banking	banking	NOUN
ajbmeb-476	103	19	activity	activity	NOUN
ajbmeb-476	103	20	as	as	ADP
ajbmeb-476	103	21	a	a	DET
ajbmeb-476	103	22	result	result	NOUN
ajbmeb-476	103	23	of	of	ADP
ajbmeb-476	103	24	the	the	DET
ajbmeb-476	103	25	significant	significant	ADJ
ajbmeb-476	103	26	impact	impact	NOUN
ajbmeb-476	103	27	on	on	ADP
ajbmeb-476	103	28	the	the	DET
ajbmeb-476	103	29	automation	automation	NOUN
ajbmeb-476	103	30	of	of	ADP
ajbmeb-476	103	31	operational	operational	ADJ
ajbmeb-476	103	32	processes	process	NOUN
ajbmeb-476	103	33	,	,	PUNCT
ajbmeb-476	103	34	the	the	DET
ajbmeb-476	103	35	workforce	workforce	NOUN
ajbmeb-476	103	36	and	and	CCONJ
ajbmeb-476	103	37	the	the	DET
ajbmeb-476	103	38	personnel	personnel	NOUN
ajbmeb-476	103	39	management	management	NOUN
ajbmeb-476	103	40	system	system	NOUN
ajbmeb-476	103	41	.	.	PUNCT
ajbmeb-476	104	1	changing	change	VERB
ajbmeb-476	104	2	the	the	DET
ajbmeb-476	104	3	legal	legal	ADJ
ajbmeb-476	104	4	status	status	NOUN
ajbmeb-476	104	5	of	of	ADP
ajbmeb-476	104	6	fintech	fintech	NOUN
ajbmeb-476	104	7	companies	company	NOUN
ajbmeb-476	104	8	to	to	ADP
ajbmeb-476	104	9	a	a	DET
ajbmeb-476	104	10	"	"	PUNCT
ajbmeb-476	104	11	non	non	ADJ
ajbmeb-476	104	12	-	-	ADJ
ajbmeb-476	104	13	bank	bank	ADJ
ajbmeb-476	104	14	credit	credit	NOUN
ajbmeb-476	104	15	organization	organization	NOUN
ajbmeb-476	104	16	"	"	PUNCT
ajbmeb-476	104	17	will	will	AUX
ajbmeb-476	104	18	allow	allow	VERB
ajbmeb-476	104	19	them	they	PRON
ajbmeb-476	104	20	to	to	PART
ajbmeb-476	104	21	provide	provide	VERB
ajbmeb-476	104	22	online	online	ADJ
ajbmeb-476	104	23	loans	loan	NOUN
ajbmeb-476	104	24	on	on	ADP
ajbmeb-476	104	25	favorable	favorable	ADJ
ajbmeb-476	104	26	terms	term	NOUN
ajbmeb-476	104	27	to	to	ADP
ajbmeb-476	104	28	a	a	DET
ajbmeb-476	104	29	large	large	ADJ
ajbmeb-476	104	30	segment	segment	NOUN
ajbmeb-476	104	31	of	of	ADP
ajbmeb-476	104	32	the	the	DET
ajbmeb-476	104	33	population	population	NOUN
ajbmeb-476	104	34	.	.	PUNCT
ajbmeb-476	105	1	this	this	PRON
ajbmeb-476	105	2	leads	lead	VERB
ajbmeb-476	105	3	to	to	ADP
ajbmeb-476	105	4	further	far	ADV
ajbmeb-476	105	5	strengthening	strengthen	VERB
ajbmeb-476	105	6	of	of	ADP
ajbmeb-476	105	7	healthy	healthy	ADJ
ajbmeb-476	105	8	competition	competition	NOUN
ajbmeb-476	105	9	in	in	ADP
ajbmeb-476	105	10	the	the	DET
ajbmeb-476	105	11	financial	financial	ADJ
ajbmeb-476	105	12	market	market	NOUN
ajbmeb-476	105	13	.	.	PUNCT
ajbmeb-476	106	1	in	in	ADP
ajbmeb-476	106	2	the	the	DET
ajbmeb-476	106	3	legislation	legislation	NOUN
ajbmeb-476	106	4	of	of	ADP
ajbmeb-476	106	5	uzbekistan	uzbekistan	PROPN
ajbmeb-476	106	6	,	,	PUNCT
ajbmeb-476	106	7	there	there	PRON
ajbmeb-476	106	8	is	be	VERB
ajbmeb-476	106	9	a	a	DET
ajbmeb-476	106	10	requirement	requirement	NOUN
ajbmeb-476	106	11	to	to	PART
ajbmeb-476	106	12	formalize	formalize	VERB
ajbmeb-476	106	13	real	real	ADJ
ajbmeb-476	106	14	estate	estate	NOUN
ajbmeb-476	106	15	and	and	CCONJ
ajbmeb-476	106	16	motor	motor	NOUN
ajbmeb-476	106	17	vehicle	vehicle	NOUN
ajbmeb-476	106	18	pledges	pledge	NOUN
ajbmeb-476	106	19	only	only	ADV
ajbmeb-476	106	20	in	in	ADP
ajbmeb-476	106	21	written	write	VERB
ajbmeb-476	106	22	form	form	NOUN
ajbmeb-476	106	23	,	,	PUNCT
ajbmeb-476	106	24	which	which	PRON
ajbmeb-476	106	25	,	,	PUNCT
ajbmeb-476	106	26	in	in	ADP
ajbmeb-476	106	27	turn	turn	NOUN
ajbmeb-476	106	28	,	,	PUNCT
ajbmeb-476	106	29	causes	cause	VERB
ajbmeb-476	106	30	digital	digital	ADJ
ajbmeb-476	106	31	banks	bank	NOUN
ajbmeb-476	106	32	to	to	PART
ajbmeb-476	106	33	be	be	AUX
ajbmeb-476	106	34	limited	limit	VERB
ajbmeb-476	106	35	to	to	ADP
ajbmeb-476	106	36	providing	provide	VERB
ajbmeb-476	106	37	customers	customer	NOUN
ajbmeb-476	106	38	with	with	ADP
ajbmeb-476	106	39	only	only	ADJ
ajbmeb-476	106	40	types	type	NOUN
ajbmeb-476	106	41	of	of	ADP
ajbmeb-476	106	42	loans	loan	NOUN
ajbmeb-476	106	43	that	that	PRON
ajbmeb-476	106	44	do	do	AUX
ajbmeb-476	106	45	not	not	PART
ajbmeb-476	106	46	require	require	VERB
ajbmeb-476	106	47	collateral	collateral	NOUN
ajbmeb-476	106	48	.	.	PUNCT
ajbmeb-476	107	1	digitization	digitization	NOUN
ajbmeb-476	107	2	of	of	ADP
ajbmeb-476	107	3	banking	banking	NOUN
ajbmeb-476	107	4	activity	activity	NOUN
ajbmeb-476	107	5	is	be	AUX
ajbmeb-476	107	6	understood	understand	VERB
ajbmeb-476	107	7	as	as	ADP
ajbmeb-476	107	8	a	a	DET
ajbmeb-476	107	9	set	set	NOUN
ajbmeb-476	107	10	of	of	ADP
ajbmeb-476	107	11	new	new	ADJ
ajbmeb-476	107	12	approaches	approach	NOUN
ajbmeb-476	107	13	,	,	PUNCT
ajbmeb-476	107	14	methods	method	NOUN
ajbmeb-476	107	15	,	,	PUNCT
ajbmeb-476	107	16	and	and	CCONJ
ajbmeb-476	107	17	means	mean	VERB
ajbmeb-476	107	18	of	of	ADP
ajbmeb-476	107	19	implementing	implement	VERB
ajbmeb-476	107	20	banking	banking	NOUN
ajbmeb-476	107	21	activities	activity	NOUN
ajbmeb-476	107	22	in	in	ADP
ajbmeb-476	107	23	digital	digital	ADJ
ajbmeb-476	107	24	(	(	PUNCT
ajbmeb-476	107	25	electronic	electronic	ADJ
ajbmeb-476	107	26	)	)	PUNCT
ajbmeb-476	107	27	presentation	presentation	NOUN
ajbmeb-476	107	28	of	of	ADP
ajbmeb-476	107	29	banking	banking	NOUN
ajbmeb-476	107	30	products	product	NOUN
ajbmeb-476	107	31	and	and	CCONJ
ajbmeb-476	107	32	services	service	NOUN
ajbmeb-476	107	33	by	by	ADP
ajbmeb-476	107	34	increasing	increase	VERB
ajbmeb-476	107	35	the	the	DET
ajbmeb-476	107	36	quality	quality	NOUN
ajbmeb-476	107	37	and	and	CCONJ
ajbmeb-476	107	38	reducing	reduce	VERB
ajbmeb-476	107	39	the	the	DET
ajbmeb-476	107	40	cost	cost	NOUN
ajbmeb-476	107	41	of	of	ADP
ajbmeb-476	107	42	banking	banking	NOUN
ajbmeb-476	107	43	products	product	NOUN
ajbmeb-476	107	44	by	by	ADP
ajbmeb-476	107	45	carefully	carefully	ADV
ajbmeb-476	107	46	studying	study	VERB
ajbmeb-476	107	47	the	the	DET
ajbmeb-476	107	48	customer	customer	NOUN
ajbmeb-476	107	49	and	and	CCONJ
ajbmeb-476	107	50	their	their	PRON
ajbmeb-476	107	51	needs	need	NOUN
ajbmeb-476	107	52	based	base	VERB
ajbmeb-476	107	53	on	on	ADP
ajbmeb-476	107	54	it	it	PRON
ajbmeb-476	107	55	technologies	technology	NOUN
ajbmeb-476	107	56	.	.	PUNCT
ajbmeb-476	108	1	american	american	ADJ
ajbmeb-476	108	2	journal	journal	PROPN
ajbmeb-476	108	3	of	of	ADP
ajbmeb-476	108	4	business	business	NOUN
ajbmeb-476	108	5	management	management	NOUN
ajbmeb-476	108	6	,	,	PUNCT
ajbmeb-476	108	7	economics	economic	NOUN
ajbmeb-476	108	8	and	and	CCONJ
ajbmeb-476	108	9	banking	banking	NOUN
ajbmeb-476	108	10	volume	volume	NOUN
ajbmeb-476	108	11	10	10	NUM
ajbmeb-476	108	12	march	march	NOUN
ajbmeb-476	108	13	,	,	PUNCT
ajbmeb-476	108	14	2023	2023	NUM
ajbmeb-476	108	15	p	p	NOUN
ajbmeb-476	108	16	a	a	DET
ajbmeb-476	108	17	g	g	NOUN
ajbmeb-476	108	18	e	e	NOUN
ajbmeb-476	108	19	|	|	ADV
ajbmeb-476	108	20	45	45	NUM
ajbmeb-476	108	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-476	108	22	used	use	VERB
ajbmeb-476	108	23	literature	literature	NOUN
ajbmeb-476	108	24	1	1	NUM
ajbmeb-476	108	25	.	.	PUNCT
ajbmeb-476	109	1	ўзбекистон	ўзбекистон	NOUN
ajbmeb-476	109	2	респуликаси	респуликаси	NOUN
ajbmeb-476	109	3	президентининг	президентининг	ADP
ajbmeb-476	109	4	2022	2022	NUM
ajbmeb-476	109	5	йил	йил	PROPN
ajbmeb-476	109	6	28	28	NUM
ajbmeb-476	109	7	январдаги	январдаги	NOUN
ajbmeb-476	109	8	“	"	PUNCT
ajbmeb-476	109	9	2022	2022	NUM
ajbmeb-476	109	10	-	-	SYM
ajbmeb-476	109	11	2026	2026	NUM
ajbmeb-476	109	12	йилларга	йилларга	NOUN
ajbmeb-476	109	13	мўлжалланган	мўлжалланган	NOUN
ajbmeb-476	109	14	янги	янги	NOUN
ajbmeb-476	109	15	ўзбекистоннинг	ўзбекистоннинг	NOUN
ajbmeb-476	109	16	тараққиёт	тараққиёт	PROPN
ajbmeb-476	109	17	стратегияси	стратегияси	PROPN
ajbmeb-476	109	18	тўғрисида	тўғрисида	PROPN
ajbmeb-476	109	19	”	"	PUNCT
ajbmeb-476	109	20	ги	ги	NOUN
ajbmeb-476	109	21	пф-60	пф-60	NOUN
ajbmeb-476	109	22	-	-	PUNCT
ajbmeb-476	109	23	сонли	сонли	ADV
ajbmeb-476	109	24	фармони	фармони	ADJ
ajbmeb-476	109	25	.	.	PUNCT
ajbmeb-476	110	1	2	2	X
ajbmeb-476	110	2	.	.	X
ajbmeb-476	110	3	https://review.uz/post/banki-i-dengi-v-cifrovoy-transformacii	https://review.uz/post/banki-i-dengi-v-cifrovoy-transformacii	PROPN
ajbmeb-476	110	4	.	.	PROPN
ajbmeb-476	111	1	3	3	X
ajbmeb-476	111	2	.	.	X
ajbmeb-476	111	3	don	don	PROPN
ajbmeb-476	111	4	tapscott	tapscott	PROPN
ajbmeb-476	111	5	,	,	PUNCT
ajbmeb-476	111	6	alex	alex	PROPN
ajbmeb-476	111	7	tapscott	tapscott	PROPN
ajbmeb-476	111	8	.	.	PUNCT
ajbmeb-476	112	1	blockchain	blockchain	PROPN
ajbmeb-476	112	2	revolution	revolution	PROPN
ajbmeb-476	112	3	:	:	PUNCT
ajbmeb-476	112	4	how	how	SCONJ
ajbmeb-476	112	5	the	the	DET
ajbmeb-476	112	6	technology	technology	NOUN
ajbmeb-476	112	7	behind	behind	ADP
ajbmeb-476	112	8	bitcoin	bitcoin	NOUN
ajbmeb-476	112	9	is	be	AUX
ajbmeb-476	112	10	changing	change	VERB
ajbmeb-476	112	11	money	money	NOUN
ajbmeb-476	112	12	,	,	PUNCT
ajbmeb-476	112	13	business	business	NOUN
ajbmeb-476	112	14	,	,	PUNCT
ajbmeb-476	112	15	and	and	CCONJ
ajbmeb-476	112	16	the	the	DET
ajbmeb-476	112	17	world	world	NOUN
ajbmeb-476	112	18	,	,	PUNCT
ajbmeb-476	112	19	2016	2016	NUM
ajbmeb-476	112	20	,	,	PUNCT
ajbmeb-476	112	21	324	324	NUM
ajbmeb-476	112	22	pages	page	NOUN
ajbmeb-476	112	23	.	.	PUNCT
ajbmeb-476	113	1	4	4	X
ajbmeb-476	113	2	.	.	X
ajbmeb-476	113	3	ablyazov	ablyazov	PROPN
ajbmeb-476	113	4	t.	t.	PROPN
ajbmeb-476	113	5	,	,	PUNCT
ajbmeb-476	113	6	asaul	asaul	NOUN
ajbmeb-476	113	7	v.	v.	ADV
ajbmeb-476	113	8	on	on	ADP
ajbmeb-476	113	9	competitive	competitive	ADJ
ajbmeb-476	113	10	potential	potential	NOUN
ajbmeb-476	113	11	of	of	ADP
ajbmeb-476	113	12	organization	organization	NOUN
ajbmeb-476	113	13	under	under	ADP
ajbmeb-476	113	14	conditions	condition	NOUN
ajbmeb-476	113	15	of	of	ADP
ajbmeb-476	113	16	new	new	ADJ
ajbmeb-476	113	17	industrial	industrial	ADJ
ajbmeb-476	113	18	base	base	NOUN
ajbmeb-476	113	19	formation	formation	NOUN
ajbmeb-476	113	20	//	//	X
ajbmeb-476	113	21	shs	shs	PROPN
ajbmeb-476	113	22	web	web	NOUN
ajbmeb-476	113	23	of	of	ADP
ajbmeb-476	113	24	conferences	conference	NOUN
ajbmeb-476	113	25	.	.	PUNCT
ajbmeb-476	114	1	2018	2018	NUM
ajbmeb-476	114	2	.	.	PUNCT
ajbmeb-476	115	1	vol	vol	NOUN
ajbmeb-476	115	2	.	.	PROPN
ajbmeb-476	116	1	44	44	NUM
ajbmeb-476	116	2	.	.	PUNCT
ajbmeb-476	117	1	00003	00003	NUM
ajbmeb-476	117	2	.	.	PUNCT
ajbmeb-476	118	1	5	5	X
ajbmeb-476	118	2	.	.	X
ajbmeb-476	118	3	серебренникова	серебренникова	VERB
ajbmeb-476	118	4	а.и	а.и	PROPN
ajbmeb-476	118	5	.	.	PROPN
ajbmeb-476	118	6	сущность	сущность	PROPN
ajbmeb-476	118	7	и	и	PROPN
ajbmeb-476	118	8	проблемы	проблемы	PROPN
ajbmeb-476	118	9	внедрения	внедрения	PROPN
ajbmeb-476	118	10	инноваций	инноваций	VERB
ajbmeb-476	118	11	в	в	PROPN
ajbmeb-476	118	12	банках	банках	NUM
ajbmeb-476	118	13	.	.	PUNCT
ajbmeb-476	118	14	//банковское	//банковское	PUNCT
ajbmeb-476	119	1	дело	дело	ADJ
ajbmeb-476	119	2	.	.	PUNCT
ajbmeb-476	120	1	2020	2020	NUM
ajbmeb-476	120	2	.	.	PUNCT
ajbmeb-476	121	1	№	№	ADP
ajbmeb-476	121	2	1	1	NUM
ajbmeb-476	121	3	.	.	PUNCT
ajbmeb-476	121	4	с	с	PROPN
ajbmeb-476	121	5	.	.	PUNCT
ajbmeb-476	121	6	68–73	68–73	PROPN
ajbmeb-476	121	7	.	.	PUNCT
ajbmeb-476	122	1	соколинская	соколинская	PROPN
ajbmeb-476	122	2	н.э	н.э	PROPN
ajbmeb-476	122	3	.	.	PROPN
ajbmeb-476	122	4	механизмы	механизмы	NOUN
ajbmeb-476	122	5	информационного	информационного	PROPN
ajbmeb-476	122	6	и	и	PROPN
ajbmeb-476	122	7	научнотехнологического	научнотехнологического	NOUN
ajbmeb-476	122	8	обеспечения	обеспечения	PROPN
ajbmeb-476	122	9	инноваций	инноваций	NOUN
ajbmeb-476	122	10	в	в	PROPN
ajbmeb-476	122	11	банковской	банковской	VERB
ajbmeb-476	122	12	сфере	сфере	PROPN
ajbmeb-476	122	13	в	в	PROPN
ajbmeb-476	122	14	условиях	условиях	PROPN
ajbmeb-476	122	15	цифровой	цифровой	NOUN
ajbmeb-476	122	16	экономики	экономики	NOUN
ajbmeb-476	122	17	.	.	PUNCT
ajbmeb-476	122	18	//банковское	//банковское	PUNCT
ajbmeb-476	123	1	дело	дело	ADJ
ajbmeb-476	123	2	.	.	PUNCT
ajbmeb-476	124	1	2020	2020	NUM
ajbmeb-476	124	2	.	.	PUNCT
ajbmeb-476	125	1	№	№	ADP
ajbmeb-476	125	2	2	2	NUM
ajbmeb-476	125	3	.	.	PUNCT
ajbmeb-476	125	4	с	с	NOUN
ajbmeb-476	125	5	.	.	PUNCT
ajbmeb-476	126	1	25–30	25–30	NUM
ajbmeb-476	126	2	.	.	PUNCT
ajbmeb-476	127	1	6	6	NUM
ajbmeb-476	127	2	.	.	X
ajbmeb-476	127	3	https://review.uz/oz/post/raqamli-iqtisodiyot-mamlakatimiz-taraqqiyotigarovidir	https://review.uz/oz/post/raqamli-iqtisodiyot-mamlakatimiz-taraqqiyotigarovidir	NOUN
ajbmeb-476	127	4	.	.	PUNCT
ajbmeb-476	128	1	7	7	X
ajbmeb-476	128	2	.	.	X
ajbmeb-476	128	3	dodiev	dodiev	PROPN
ajbmeb-476	128	4	f.	f.	PROPN
ajbmeb-476	128	5	,	,	PUNCT
ajbmeb-476	128	6	yusupova	yusupova	PROPN
ajbmeb-476	128	7	d.	d.	PROPN
ajbmeb-476	128	8	innovative	innovative	PROPN
ajbmeb-476	128	9	development	development	NOUN
ajbmeb-476	128	10	of	of	ADP
ajbmeb-476	128	11	banks	bank	NOUN
ajbmeb-476	128	12	in	in	ADP
ajbmeb-476	128	13	uzbekistan	uzbekistan	PROPN
ajbmeb-476	128	14	//international	//international	PUNCT
ajbmeb-476	128	15	finance	finance	PROPN
ajbmeb-476	128	16	and	and	CCONJ
ajbmeb-476	128	17	accounting	accounting	NOUN
ajbmeb-476	128	18	.	.	PUNCT
ajbmeb-476	128	19	–	–	PUNCT
ajbmeb-476	128	20	2020	2020	NUM
ajbmeb-476	128	21	.	.	PUNCT
ajbmeb-476	129	1	–	–	PUNCT
ajbmeb-476	129	2	т	т	X
ajbmeb-476	129	3	.	.	NOUN
ajbmeb-476	129	4	2020	2020	NUM
ajbmeb-476	129	5	.	.	PUNCT
ajbmeb-476	130	1	–	–	PUNCT
ajbmeb-476	130	2	№	№	NOUN
ajbmeb-476	130	3	.	.	NOUN
ajbmeb-476	131	1	5	5	NUM
ajbmeb-476	131	2	.	.	X
ajbmeb-476	131	3	–	–	PUNCT
ajbmeb-476	131	4	с	с	NOUN
ajbmeb-476	131	5	.	.	PROPN
ajbmeb-476	131	6	9	9	NUM
ajbmeb-476	131	7	.	.	NOUN
ajbmeb-476	131	8	8	8	NUM
ajbmeb-476	131	9	.	.	X
ajbmeb-476	131	10	борис	борис	NOUN
ajbmeb-476	131	11	паньшин	паньшин	NOUN
ajbmeb-476	131	12	.	.	PUNCT
ajbmeb-476	132	1	цифровая	цифровая	PROPN
ajbmeb-476	132	2	трансформация	трансформация	PROPN
ajbmeb-476	132	3	.	.	PUNCT
ajbmeb-476	133	1	цифровая	цифровая	PROPN
ajbmeb-476	133	2	экономика	экономика	PROPN
ajbmeb-476	133	3	:	:	PUNCT
ajbmeb-476	133	4	понятия	понятия	VERB
ajbmeb-476	133	5	и	и	PROPN
ajbmeb-476	133	6	направления	направления	ADJ
ajbmeb-476	133	7	развития	развития	NOUN
ajbmeb-476	133	8	.	.	PUNCT
ajbmeb-476	133	9	//наука	//наука	PUNCT
ajbmeb-476	134	1	и	и	PROPN
ajbmeb-476	134	2	инновации	инновации	NOUN
ajbmeb-476	134	3	.	.	PUNCT
ajbmeb-476	135	1	№	№	NOUN
ajbmeb-476	135	2	3	3	NUM
ajbmeb-476	135	3	(	(	PUNCT
ajbmeb-476	135	4	193	193	NUM
ajbmeb-476	135	5	)	)	PUNCT
ajbmeb-476	135	6	.	.	PUNCT
ajbmeb-476	136	1	2019	2019	NUM
ajbmeb-476	136	2	г.с	г.с	PROPN
ajbmeb-476	136	3	.	.	PROPN
ajbmeb-476	136	4	53	53	NUM
ajbmeb-476	136	5	.	.	NOUN
ajbmeb-476	136	6	9	9	NUM
ajbmeb-476	136	7	.	.	X
ajbmeb-476	136	8	https://finance.uz/index.php/ru/fuz-menu-economy-ru/11083-uzbekistan-vtsifrovoj-ekonomike	https://finance.uz/index.php/ru/fuz-menu-economy-ru/11083-uzbekistan-vtsifrovoj-ekonomike	PROPN
ajbmeb-476	136	9	.	.	PROPN
ajbmeb-476	136	10	10	10	NUM
ajbmeb-476	136	11	.	.	X
ajbmeb-476	137	1	auge	auge	NOUN
ajbmeb-476	137	2	-	-	PUNCT
ajbmeb-476	137	3	dickhut	dickhut	NOUN
ajbmeb-476	137	4	,	,	PUNCT
ajbmeb-476	137	5	s.	s.	PROPN
ajbmeb-476	137	6	,	,	PUNCT
ajbmeb-476	137	7	koye	koye	PROPN
ajbmeb-476	137	8	,	,	PUNCT
ajbmeb-476	137	9	b.	b.	PROPN
ajbmeb-476	137	10	,	,	PUNCT
ajbmeb-476	137	11	liebertrau	liebertrau	PROPN
ajbmeb-476	137	12	,	,	PUNCT
ajbmeb-476	137	13	a.	a.	NOUN
ajbmeb-476	137	14	customer	customer	NOUN
ajbmeb-476	137	15	value	value	NOUN
ajbmeb-476	137	16	generation	generation	NOUN
ajbmeb-476	137	17	in	in	ADP
ajbmeb-476	137	18	banking	banking	NOUN
ajbmeb-476	137	19	.	.	PUNCT
ajbmeb-476	138	1	the	the	DET
ajbmeb-476	138	2	zurich	zurich	PROPN
ajbmeb-476	138	3	model	model	NOUN
ajbmeb-476	138	4	of	of	ADP
ajbmeb-476	138	5	customer	customer	NOUN
ajbmeb-476	138	6	-centricity	-centricity	PROPN
ajbmeb-476	138	7	.	.	PUNCT
ajbmeb-476	139	1	zurich	zurich	NOUN
ajbmeb-476	139	2	:	:	PUNCT
ajbmeb-476	139	3	springer	springer	NOUN
ajbmeb-476	139	4	,	,	PUNCT
ajbmeb-476	139	5	2016	2016	NUM
ajbmeb-476	139	6	.	.	PUNCT
ajbmeb-476	140	1	–	–	PUNCT
ajbmeb-476	140	2	209	209	NUM
ajbmeb-476	140	3	p.	p.	NOUN
ajbmeb-476	140	4	11	11	NUM
ajbmeb-476	140	5	.	.	PUNCT
ajbmeb-476	141	1	марказий	марказий	NOUN
ajbmeb-476	141	2	банкнинг	банкнинг	VERB
ajbmeb-476	141	3	“	"	PUNCT
ajbmeb-476	141	4	банкларни	банкларни	PROPN
ajbmeb-476	141	5	рўйхатга	рўйхатга	X
ajbmeb-476	141	6	олиш	олиш	ADJ
ajbmeb-476	141	7	ва	ва	ADP
ajbmeb-476	141	8	улар	улар	PROPN
ajbmeb-476	141	9	фаолиятини	фаолиятини	ADJ
ajbmeb-476	141	10	лицензиялаш	лицензиялаш	PROPN
ajbmeb-476	141	11	тартиби	тартиби	NOUN
ajbmeb-476	141	12	тўғрисида”ги	тўғрисида”ги	PROPN
ajbmeb-476	141	13	низом	низом	NOUN
ajbmeb-476	141	14	.	.	PUNCT
ajbmeb-476	142	1	12	12	NUM
ajbmeb-476	142	2	.	.	PUNCT
ajbmeb-476	143	1	https://cbu.uz/oz/publications	https://cbu.uz/oz/publication	NOUN
ajbmeb-476	143	2	маълумотлари	маълумотлари	PROPN
ajbmeb-476	143	3	асосида	асосида	NOUN
ajbmeb-476	143	4	муаллиф	муаллиф	NOUN
ajbmeb-476	143	5	томонидан	томонидан	PROPN
ajbmeb-476	143	6	тузилди	тузилди	NOUN
ajbmeb-476	143	7	.	.	PUNCT
ajbmeb-476	144	1	13	13	NUM
ajbmeb-476	144	2	.	.	PUNCT
ajbmeb-476	144	3	https://cbu.uz/oz/statistics/buleten/592793/маълумотлари	https://cbu.uz/oz/statistics/buleten/592793/маълумотлари	PROPN
ajbmeb-476	144	4	асосида	асосида	NOUN
ajbmeb-476	144	5	муаллиф	муаллиф	NOUN
ajbmeb-476	144	6	томонидан	томонидан	PROPN
ajbmeb-476	144	7	тузилди	тузилди	NOUN
ajbmeb-476	144	8	.	.	PUNCT
ajbmeb-476	145	1	14	14	NUM
ajbmeb-476	145	2	.	.	PUNCT
ajbmeb-476	145	3	https://cbu.uz/oz/publications/annual-report/	https://cbu.uz/oz/publications/annual-report/	PROPN
ajbmeb-476	145	4	15	15	NUM
ajbmeb-476	145	5	.	.	PUNCT
ajbmeb-476	145	6	https://cbu.uz/oz/publications/annual-report/	https://cbu.uz/oz/publications/annual-report/	PROPN
ajbmeb-476	146	1	16	16	NUM
ajbmeb-476	146	2	.	.	PUNCT
ajbmeb-476	147	1	https://cbu.uz/oz/publications	https://cbu.uz/oz/publication	VERB
ajbmeb-476	147	2	маълумотлари	маълумотлари	PROPN
ajbmeb-476	147	3	асосида	асосида	NOUN
ajbmeb-476	147	4	муаллиф	муаллиф	NOUN
ajbmeb-476	147	5	томонидан	томонидан	PROPN
ajbmeb-476	147	6	тузилди	тузилди	NOUN
ajbmeb-476	147	7	.	.	PUNCT
ajbmeb-476	148	1	17	17	NUM
ajbmeb-476	148	2	.	.	PUNCT
ajbmeb-476	149	1	https://www.spot.uz/ru/2021/12/14/fintech	https://www.spot.uz/ru/2021/12/14/fintech	PROPN
ajbmeb-476	149	2	.	.	PUNCT
ajbmeb-476	150	1	18	18	NUM
ajbmeb-476	150	2	.	.	PUNCT
ajbmeb-476	151	1	https://www.vedomosti.ru/finance/blogs/2019/06/27/804788-bankovskaya-ekosistema	https://www.vedomosti.ru/finance/blogs/2019/06/27/804788-bankovskaya-ekosistema	X
ajbmeb-476	151	2	.	.	PUNCT
ajbmeb-476	152	1	19	19	NUM
ajbmeb-476	152	2	.	.	PUNCT
ajbmeb-476	152	3	https://cbu.uz/oz/statistics/bankstats/843933/	https://cbu.uz/oz/statistics/bankstats/843933/	PROPN
ajbmeb-476	152	4	20	20	NUM
ajbmeb-476	152	5	.	.	PUNCT
ajbmeb-476	153	1	suyunov	suyunov	PROPN
ajbmeb-476	153	2	d.h	d.h	PROPN
ajbmeb-476	153	3	.	.	PUNCT
ajbmeb-476	154	1	“	"	PUNCT
ajbmeb-476	154	2	тhe	тhe	VERB
ajbmeb-476	154	3	main	main	ADJ
ajbmeb-476	154	4	problems	problem	NOUN
ajbmeb-476	154	5	of	of	ADP
ajbmeb-476	154	6	corporate	corporate	ADJ
ajbmeb-476	154	7	governance	governance	NOUN
ajbmeb-476	154	8	and	and	CCONJ
ajbmeb-476	154	9	ways	way	NOUN
ajbmeb-476	154	10	to	to	PART
ajbmeb-476	154	11	solve	solve	VERB
ajbmeb-476	154	12	them	they	PRON
ajbmeb-476	154	13	”	"	PUNCT
ajbmeb-476	154	14	,	,	PUNCT
ajbmeb-476	154	15	epra	epra	ADJ
ajbmeb-476	154	16	international	international	ADJ
ajbmeb-476	154	17	journal	journal	NOUN
ajbmeb-476	154	18	of	of	ADP
ajbmeb-476	154	19	economic	economic	ADJ
ajbmeb-476	154	20	growth	growth	NOUN
ajbmeb-476	154	21	and	and	CCONJ
ajbmeb-476	154	22	environmental	environmental	ADJ
ajbmeb-476	154	23	issues	issue	NOUN
ajbmeb-476	154	24	(	(	PUNCT
ajbmeb-476	154	25	egei	egei	PROPN
ajbmeb-476	154	26	)	)	PUNCT
ajbmeb-476	154	27	issn:2321	issn:2321	NOUN
ajbmeb-476	154	28	-	-	PUNCT
ajbmeb-476	154	29	6247	6247	NUM
ajbmeb-476	154	30	impact	impact	NOUN
ajbmeb-476	154	31	factor	factor	NOUN
ajbmeb-476	154	32	:	:	PUNCT
ajbmeb-476	154	33	8.007	8.007	NUM
ajbmeb-476	154	34	(	(	PUNCT
ajbmeb-476	154	35	sjif	sjif	NOUN
ajbmeb-476	154	36	2020	2020	NUM
ajbmeb-476	154	37	)	)	PUNCT
ajbmeb-476	154	38	202101	202101	NUM
ajbmeb-476	154	39	-	-	PUNCT
ajbmeb-476	154	40	13	13	NUM
ajbmeb-476	154	41	-	-	PUNCT
ajbmeb-476	154	42	006137	006137	NUM
ajbmeb-476	154	43	,	,	PUNCT
ajbmeb-476	154	44	9	9	NUM
ajbmeb-476	154	45	,	,	PUNCT
ajbmeb-476	154	46	1	1	NUM
ajbmeb-476	154	47	,	,	PUNCT
ajbmeb-476	154	48	january	january	PROPN
ajbmeb-476	154	49	,	,	PUNCT
ajbmeb-476	154	50	2021	2021	NUM
ajbmeb-476	154	51	.	.	PUNCT
ajbmeb-476	155	1	21	21	NUM
ajbmeb-476	155	2	.	.	PUNCT
ajbmeb-476	156	1	suyunov	suyunov	PROPN
ajbmeb-476	156	2	d.h	d.h	PROPN
ajbmeb-476	156	3	theoretical	theoretical	ADJ
ajbmeb-476	156	4	principles	principle	NOUN
ajbmeb-476	156	5	of	of	ADP
ajbmeb-476	156	6	improving	improve	VERB
ajbmeb-476	156	7	the	the	DET
ajbmeb-476	156	8	modern	modern	ADJ
ajbmeb-476	156	9	corporate	corporate	ADJ
ajbmeb-476	156	10	control	control	NOUN
ajbmeb-476	156	11	system	system	NOUN
ajbmeb-476	156	12	in	in	ADP
ajbmeb-476	156	13	joint	joint	ADJ
ajbmeb-476	156	14	stock	stock	NOUN
ajbmeb-476	156	15	companies	company	NOUN
ajbmeb-476	156	16	.	.	PUNCT
ajbmeb-476	157	1	international	international	ADJ
ajbmeb-476	157	2	journal	journal	PROPN
ajbmeb-476	157	3	of	of	ADP
ajbmeb-476	157	4	economic	economic	PROPN
ajbmeb-476	157	5	perspectives,16(11	perspectives,16(11	PROPN
ajbmeb-476	157	6	)	)	PUNCT
ajbmeb-476	157	7	,	,	PUNCT
ajbmeb-476	157	8	november	november	PROPN
ajbmeb-476	157	9	2022	2022	NUM
ajbmeb-476	157	10	.	.	PUNCT
ajbmeb-476	158	1	90	90	NUM
ajbmeb-476	158	2	-	-	SYM
ajbmeb-476	158	3	97	97	NUM
ajbmeb-476	158	4	.	.	PUNCT
ajbmeb-476	159	1	retrieve.from	retrieve.from	NUM
ajbmeb-476	159	2	.	.	PUNCT
ajbmeb-476	160	1	2022	2022	NUM
ajbmeb-476	160	2	by	by	ADP
ajbmeb-476	160	3	the	the	DET
ajbmeb-476	160	4	author(s	author(s	NOUN
ajbmeb-476	160	5	)	)	PUNCT
ajbmeb-476	160	6	.	.	PUNCT
ajbmeb-476	161	1	issn	issn	PROPN
ajbmeb-476	161	2	:	:	PUNCT
ajbmeb-476	161	3	1307	1307	NUM
ajbmeb-476	161	4	-	-	SYM
ajbmeb-476	161	5	1637	1637	NUM
ajbmeb-476	161	6	.	.	PUNCT
ajbmeb-476	162	1	impact	impact	NOUN
ajbmeb-476	162	2	factor	factor	NOUN
ajbmeb-476	162	3	:	:	PUNCT
ajbmeb-476	162	4	5.865	5.865	NUM
ajbmeb-476	162	5	.	.	PUNCT
ajbmeb-476	163	1	22	22	NUM
ajbmeb-476	163	2	.	.	PUNCT
ajbmeb-476	164	1	suyunov	suyunov	PROPN
ajbmeb-476	164	2	d.h	d.h	PROPN
ajbmeb-476	164	3	the	the	DET
ajbmeb-476	164	4	role	role	NOUN
ajbmeb-476	164	5	of	of	ADP
ajbmeb-476	164	6	energy	energy	NOUN
ajbmeb-476	164	7	in	in	ADP
ajbmeb-476	164	8	the	the	DET
ajbmeb-476	164	9	economic	economic	ADJ
ajbmeb-476	164	10	development	development	NOUN
ajbmeb-476	164	11	of	of	ADP
ajbmeb-476	164	12	uzbekistan	uzbekistan	PROPN
ajbmeb-476	164	13	.	.	PUNCT
ajbmeb-476	165	1	uif-2022	uif-2022	NOUN
ajbmeb-476	165	2	:	:	PUNCT
ajbmeb-476	166	1	8.2	8.2	NUM
ajbmeb-476	166	2	.	.	PUNCT
ajbmeb-476	166	3	issn	issn	PROPN
ajbmeb-476	166	4	:	:	PUNCT
ajbmeb-476	166	5	2181	2181	NUM
ajbmeb-476	166	6	-	-	SYM
ajbmeb-476	166	7	3337	3337	NUM
ajbmeb-476	166	8	.	.	PUNCT
ajbmeb-476	167	1	international	international	ADJ
ajbmeb-476	167	2	scientific	scientific	ADJ
ajbmeb-476	167	3	journal	journal	NOUN
ajbmeb-476	167	4	science	science	NOUN
ajbmeb-476	167	5	and	and	CCONJ
ajbmeb-476	167	6	innovation	innovation	NOUN
ajbmeb-476	167	7	.	.	PUNCT
ajbmeb-476	168	1	2022	2022	NUM
ajbmeb-476	168	2	.	.	PUNCT
ajbmeb-476	169	1	http://scientists.uz	http://scientists.uz	PROPN
ajbmeb-476	169	2	.	.	PUNCT
ajbmeb-476	170	1	https://review.uz/post/banki-i-dengi-v-cifrovoy-transformacii	https://review.uz/post/banki-i-dengi-v-cifrovoy-transformacii	PROPN
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ajbmeb-476	170	4	https://cbu.uz/oz/publications	https://cbu.uz/oz/publications	ADP
ajbmeb-476	170	5	https://cbu.uz/oz/statistics/buleten/592793/маълумотлари	https://cbu.uz/oz/statistics/buleten/592793/маълумотлари	X
ajbmeb-476	170	6	https://cbu.uz/oz/publications/annual-report/	https://cbu.uz/oz/publications/annual-report/	X
ajbmeb-476	170	7	https://cbu.uz/oz/publications/annual-report/	https://cbu.uz/oz/publications/annual-report/	X
ajbmeb-476	170	8	https://cbu.uz/oz/publications	https://cbu.uz/oz/publication	NOUN
ajbmeb-476	170	9	https://www.spot.uz/ru/2021/12/14/fintech	https://www.spot.uz/ru/2021/12/14/fintech	PROPN
ajbmeb-476	170	10	https://www.vedomosti.ru/finance/blogs/2019/06/27/804788-bankovskaya-ekosistema	https://www.vedomosti.ru/finance/blogs/2019/06/27/804788-bankovskaya-ekosistema	PRON
ajbmeb-476	170	11	https://cbu.uz/oz/statistics/bankstats/843933/	https://cbu.uz/oz/statistics/bankstats/843933/	NOUN