id	sid	tid	token	lemma	pos
ajbmeb-606	1	1	american	american	PROPN
ajbmeb-606	1	2	journal	journal	PROPN
ajbmeb-606	1	3	of	of	ADP
ajbmeb-606	1	4	business	business	NOUN
ajbmeb-606	1	5	management	management	NOUN
ajbmeb-606	1	6	,	,	PUNCT
ajbmeb-606	1	7	economics	economic	NOUN
ajbmeb-606	1	8	and	and	CCONJ
ajbmeb-606	1	9	banking	banking	NOUN
ajbmeb-606	1	10	issn	issn	PROPN
ajbmeb-606	1	11	(	(	PUNCT
ajbmeb-606	1	12	e	e	NOUN
ajbmeb-606	1	13	):	):	PUNCT
ajbmeb-606	1	14	2832	2832	NUM
ajbmeb-606	1	15	-	-	SYM
ajbmeb-606	1	16	8078	8078	NUM
ajbmeb-606	1	17	volume	volume	NOUN
ajbmeb-606	1	18	11	11	NUM
ajbmeb-606	1	19	,	,	PUNCT
ajbmeb-606	1	20	|	|	ADV
ajbmeb-606	1	21	april	april	PROPN
ajbmeb-606	1	22	,	,	PUNCT
ajbmeb-606	1	23	2023	2023	NUM
ajbmeb-606	1	24	p	p	NOUN
ajbmeb-606	1	25	a	a	DET
ajbmeb-606	1	26	g	g	NOUN
ajbmeb-606	1	27	e	e	NOUN
ajbmeb-606	1	28	|	|	ADV
ajbmeb-606	1	29	50	50	NUM
ajbmeb-606	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-606	1	31	features	feature	NOUN
ajbmeb-606	1	32	of	of	ADP
ajbmeb-606	1	33	development	development	NOUN
ajbmeb-606	1	34	of	of	ADP
ajbmeb-606	1	35	modern	modern	ADJ
ajbmeb-606	1	36	banking	banking	NOUN
ajbmeb-606	1	37	systems	system	NOUN
ajbmeb-606	1	38	djumanov	djumanov	NOUN
ajbmeb-606	1	39	saitmurod	saitmurod	NOUN
ajbmeb-606	1	40	alimbekovich	alimbekovich	PROPN
ajbmeb-606	1	41	phd	phd	PROPN
ajbmeb-606	1	42	.	.	PROPN
ajbmeb-606	1	43	,	,	PUNCT
ajbmeb-606	1	44	dotsent	dotsent	NOUN
ajbmeb-606	1	45	,	,	PUNCT
ajbmeb-606	1	46	tashkent	tashkent	PROPN
ajbmeb-606	1	47	financial	financial	PROPN
ajbmeb-606	1	48	institute	institute	PROPN
ajbmeb-606	1	49	khamrokhujaeva	khamrokhujaeva	PROPN
ajbmeb-606	1	50	sitorabonu	sitorabonu	PROPN
ajbmeb-606	1	51	temur	temur	PROPN
ajbmeb-606	1	52	qizi	qizi	PROPN
ajbmeb-606	1	53	student	student	NOUN
ajbmeb-606	1	54	,	,	PUNCT
ajbmeb-606	1	55	tashkent	tashkent	PROPN
ajbmeb-606	1	56	financial	financial	PROPN
ajbmeb-606	1	57	institute	institute	PROPN
ajbmeb-606	1	58	yuldashev	yuldashev	PROPN
ajbmeb-606	1	59	bilolkhon	bilolkhon	PROPN
ajbmeb-606	1	60	saminjon	saminjon	NOUN
ajbmeb-606	1	61	o‘g‘li	o‘g‘li	NOUN
ajbmeb-606	1	62	student	student	NOUN
ajbmeb-606	1	63	,	,	PUNCT
ajbmeb-606	1	64	tashkent	tashkent	PROPN
ajbmeb-606	1	65	financial	financial	PROPN
ajbmeb-606	1	66	institute	institute	PROPN
ajbmeb-606	1	67	a	a	DET
ajbmeb-606	1	68	b	b	PROPN
ajbmeb-606	1	69	s	s	ADP
ajbmeb-606	1	70	t	t	PROPN
ajbmeb-606	1	71	r	r	NOUN
ajbmeb-606	1	72	a	a	DET
ajbmeb-606	1	73	c	c	NOUN
ajbmeb-606	1	74	t	t	NOUN
ajbmeb-606	1	75	k	k	X
ajbmeb-606	1	76	e	e	PROPN
ajbmeb-606	1	77	y	y	PROPN
ajbmeb-606	1	78	w	w	NOUN
ajbmeb-606	2	1	o	o	NOUN
ajbmeb-606	2	2	r	r	NOUN
ajbmeb-606	2	3	d	d	PROPN
ajbmeb-606	2	4	s	s	VERB
ajbmeb-606	2	5	this	this	DET
ajbmeb-606	2	6	article	article	NOUN
ajbmeb-606	2	7	examines	examine	VERB
ajbmeb-606	2	8	the	the	DET
ajbmeb-606	2	9	main	main	ADJ
ajbmeb-606	2	10	trends	trend	NOUN
ajbmeb-606	2	11	in	in	ADP
ajbmeb-606	2	12	the	the	DET
ajbmeb-606	2	13	development	development	NOUN
ajbmeb-606	2	14	of	of	ADP
ajbmeb-606	2	15	the	the	DET
ajbmeb-606	2	16	banking	banking	NOUN
ajbmeb-606	2	17	system	system	NOUN
ajbmeb-606	2	18	of	of	ADP
ajbmeb-606	2	19	the	the	DET
ajbmeb-606	2	20	countries	country	NOUN
ajbmeb-606	2	21	of	of	ADP
ajbmeb-606	2	22	the	the	DET
ajbmeb-606	2	23	world	world	NOUN
ajbmeb-606	2	24	,	,	PUNCT
ajbmeb-606	2	25	various	various	ADJ
ajbmeb-606	2	26	features	feature	NOUN
ajbmeb-606	2	27	of	of	ADP
ajbmeb-606	2	28	their	their	PRON
ajbmeb-606	2	29	functioning	functioning	NOUN
ajbmeb-606	2	30	and	and	CCONJ
ajbmeb-606	2	31	modernization	modernization	NOUN
ajbmeb-606	2	32	.	.	PUNCT
ajbmeb-606	3	1	here	here	ADV
ajbmeb-606	3	2	,	,	PUNCT
ajbmeb-606	3	3	both	both	CCONJ
ajbmeb-606	3	4	the	the	DET
ajbmeb-606	3	5	general	general	ADJ
ajbmeb-606	3	6	directions	direction	NOUN
ajbmeb-606	3	7	of	of	ADP
ajbmeb-606	3	8	transformation	transformation	NOUN
ajbmeb-606	3	9	and	and	CCONJ
ajbmeb-606	3	10	its	its	PRON
ajbmeb-606	3	11	individual	individual	ADJ
ajbmeb-606	3	12	elements	element	NOUN
ajbmeb-606	3	13	are	be	AUX
ajbmeb-606	3	14	noted	note	VERB
ajbmeb-606	3	15	.	.	PUNCT
ajbmeb-606	4	1	it	it	PRON
ajbmeb-606	4	2	can	can	AUX
ajbmeb-606	4	3	be	be	AUX
ajbmeb-606	4	4	seen	see	VERB
ajbmeb-606	4	5	that	that	SCONJ
ajbmeb-606	4	6	all	all	PRON
ajbmeb-606	4	7	of	of	ADP
ajbmeb-606	4	8	the	the	DET
ajbmeb-606	4	9	above	above	ADJ
ajbmeb-606	4	10	changes	change	NOUN
ajbmeb-606	4	11	taking	take	VERB
ajbmeb-606	4	12	place	place	NOUN
ajbmeb-606	4	13	in	in	ADP
ajbmeb-606	4	14	the	the	DET
ajbmeb-606	4	15	banking	banking	NOUN
ajbmeb-606	4	16	system	system	NOUN
ajbmeb-606	4	17	are	be	AUX
ajbmeb-606	4	18	aimed	aim	VERB
ajbmeb-606	4	19	at	at	ADP
ajbmeb-606	4	20	automating	automate	VERB
ajbmeb-606	4	21	and	and	CCONJ
ajbmeb-606	4	22	digitalizing	digitalize	VERB
ajbmeb-606	4	23	the	the	DET
ajbmeb-606	4	24	processes	process	NOUN
ajbmeb-606	4	25	of	of	ADP
ajbmeb-606	4	26	banking	banking	NOUN
ajbmeb-606	4	27	activities	activity	NOUN
ajbmeb-606	4	28	and	and	CCONJ
ajbmeb-606	4	29	improving	improve	VERB
ajbmeb-606	4	30	the	the	DET
ajbmeb-606	4	31	quality	quality	NOUN
ajbmeb-606	4	32	of	of	ADP
ajbmeb-606	4	33	services	service	NOUN
ajbmeb-606	4	34	provided	provide	VERB
ajbmeb-606	4	35	to	to	ADP
ajbmeb-606	4	36	customers	customer	NOUN
ajbmeb-606	4	37	.	.	PUNCT
ajbmeb-606	5	1	banking	banking	NOUN
ajbmeb-606	5	2	system	system	NOUN
ajbmeb-606	5	3	,	,	PUNCT
ajbmeb-606	5	4	competition	competition	NOUN
ajbmeb-606	5	5	,	,	PUNCT
ajbmeb-606	5	6	digitalization	digitalization	NOUN
ajbmeb-606	5	7	,	,	PUNCT
ajbmeb-606	5	8	securitization	securitization	NOUN
ajbmeb-606	5	9	,	,	PUNCT
ajbmeb-606	5	10	cashless	cashless	NOUN
ajbmeb-606	5	11	payments	payment	NOUN
ajbmeb-606	5	12	,	,	PUNCT
ajbmeb-606	5	13	digital	digital	ADJ
ajbmeb-606	5	14	banks	bank	NOUN
ajbmeb-606	5	15	,	,	PUNCT
ajbmeb-606	5	16	cryptocurrency	cryptocurrency	NOUN
ajbmeb-606	5	17	introduction	introduction	NOUN
ajbmeb-606	5	18	the	the	DET
ajbmeb-606	5	19	banking	banking	NOUN
ajbmeb-606	5	20	system	system	NOUN
ajbmeb-606	5	21	is	be	AUX
ajbmeb-606	5	22	an	an	DET
ajbmeb-606	5	23	integral	integral	ADJ
ajbmeb-606	5	24	part	part	NOUN
ajbmeb-606	5	25	of	of	ADP
ajbmeb-606	5	26	the	the	DET
ajbmeb-606	5	27	processes	process	NOUN
ajbmeb-606	5	28	of	of	ADP
ajbmeb-606	5	29	interaction	interaction	NOUN
ajbmeb-606	5	30	between	between	ADP
ajbmeb-606	5	31	all	all	DET
ajbmeb-606	5	32	subjects	subject	NOUN
ajbmeb-606	5	33	of	of	ADP
ajbmeb-606	5	34	the	the	DET
ajbmeb-606	5	35	economy	economy	NOUN
ajbmeb-606	5	36	.	.	PUNCT
ajbmeb-606	6	1	the	the	DET
ajbmeb-606	6	2	development	development	NOUN
ajbmeb-606	6	3	of	of	ADP
ajbmeb-606	6	4	this	this	DET
ajbmeb-606	6	5	sector	sector	NOUN
ajbmeb-606	6	6	leads	lead	VERB
ajbmeb-606	6	7	to	to	ADP
ajbmeb-606	6	8	an	an	DET
ajbmeb-606	6	9	increase	increase	NOUN
ajbmeb-606	6	10	in	in	ADP
ajbmeb-606	6	11	the	the	DET
ajbmeb-606	6	12	rationality	rationality	NOUN
ajbmeb-606	6	13	of	of	ADP
ajbmeb-606	6	14	resource	resource	NOUN
ajbmeb-606	6	15	allocation	allocation	NOUN
ajbmeb-606	6	16	,	,	PUNCT
ajbmeb-606	6	17	the	the	DET
ajbmeb-606	6	18	quality	quality	NOUN
ajbmeb-606	6	19	of	of	ADP
ajbmeb-606	6	20	corporate	corporate	ADJ
ajbmeb-606	6	21	control	control	NOUN
ajbmeb-606	6	22	,	,	PUNCT
ajbmeb-606	6	23	the	the	DET
ajbmeb-606	6	24	stabilization	stabilization	NOUN
ajbmeb-606	6	25	of	of	ADP
ajbmeb-606	6	26	capital	capital	NOUN
ajbmeb-606	6	27	and	and	CCONJ
ajbmeb-606	6	28	the	the	DET
ajbmeb-606	6	29	optimization	optimization	NOUN
ajbmeb-606	6	30	of	of	ADP
ajbmeb-606	6	31	risk	risk	NOUN
ajbmeb-606	6	32	management	management	NOUN
ajbmeb-606	6	33	.	.	PUNCT
ajbmeb-606	7	1	features	feature	NOUN
ajbmeb-606	7	2	of	of	ADP
ajbmeb-606	7	3	the	the	DET
ajbmeb-606	7	4	development	development	NOUN
ajbmeb-606	7	5	of	of	ADP
ajbmeb-606	7	6	the	the	DET
ajbmeb-606	7	7	banking	banking	NOUN
ajbmeb-606	7	8	system	system	NOUN
ajbmeb-606	7	9	at	at	ADP
ajbmeb-606	7	10	the	the	DET
ajbmeb-606	7	11	present	present	ADJ
ajbmeb-606	7	12	stage	stage	NOUN
ajbmeb-606	7	13	are	be	AUX
ajbmeb-606	7	14	largely	largely	ADV
ajbmeb-606	7	15	determined	determine	VERB
ajbmeb-606	7	16	by	by	ADP
ajbmeb-606	7	17	global	global	ADJ
ajbmeb-606	7	18	economic	economic	ADJ
ajbmeb-606	7	19	and	and	CCONJ
ajbmeb-606	7	20	technological	technological	ADJ
ajbmeb-606	7	21	trends	trend	NOUN
ajbmeb-606	7	22	,	,	PUNCT
ajbmeb-606	7	23	as	as	ADV
ajbmeb-606	7	24	well	well	ADV
ajbmeb-606	7	25	as	as	ADP
ajbmeb-606	7	26	national	national	ADJ
ajbmeb-606	7	27	characteristics	characteristic	NOUN
ajbmeb-606	7	28	.	.	PUNCT
ajbmeb-606	8	1	let	let	VERB
ajbmeb-606	8	2	us	we	PRON
ajbmeb-606	8	3	consider	consider	VERB
ajbmeb-606	8	4	the	the	DET
ajbmeb-606	8	5	characteristics	characteristic	NOUN
ajbmeb-606	8	6	of	of	ADP
ajbmeb-606	8	7	the	the	DET
ajbmeb-606	8	8	modern	modern	ADJ
ajbmeb-606	8	9	banking	banking	NOUN
ajbmeb-606	8	10	system	system	NOUN
ajbmeb-606	8	11	that	that	PRON
ajbmeb-606	8	12	are	be	AUX
ajbmeb-606	8	13	common	common	ADJ
ajbmeb-606	8	14	to	to	ADP
ajbmeb-606	8	15	world	world	NOUN
ajbmeb-606	8	16	practice	practice	NOUN
ajbmeb-606	8	17	:	:	PUNCT
ajbmeb-606	8	18	⎯	⎯	PROPN
ajbmeb-606	8	19	the	the	DET
ajbmeb-606	8	20	growth	growth	NOUN
ajbmeb-606	8	21	of	of	ADP
ajbmeb-606	8	22	competition	competition	NOUN
ajbmeb-606	8	23	.	.	PUNCT
ajbmeb-606	9	1	the	the	DET
ajbmeb-606	9	2	modern	modern	ADJ
ajbmeb-606	9	3	banking	banking	NOUN
ajbmeb-606	9	4	system	system	NOUN
ajbmeb-606	9	5	is	be	AUX
ajbmeb-606	9	6	characterized	characterize	VERB
ajbmeb-606	9	7	by	by	ADP
ajbmeb-606	9	8	a	a	DET
ajbmeb-606	9	9	high	high	ADJ
ajbmeb-606	9	10	degree	degree	NOUN
ajbmeb-606	9	11	of	of	ADP
ajbmeb-606	9	12	competition	competition	NOUN
ajbmeb-606	9	13	caused	cause	VERB
ajbmeb-606	9	14	by	by	ADP
ajbmeb-606	9	15	the	the	DET
ajbmeb-606	9	16	emergence	emergence	NOUN
ajbmeb-606	9	17	of	of	ADP
ajbmeb-606	9	18	new	new	ADJ
ajbmeb-606	9	19	forms	form	NOUN
ajbmeb-606	9	20	of	of	ADP
ajbmeb-606	9	21	banking	banking	NOUN
ajbmeb-606	9	22	,	,	PUNCT
ajbmeb-606	9	23	such	such	ADJ
ajbmeb-606	9	24	as	as	ADP
ajbmeb-606	9	25	internet	internet	NOUN
ajbmeb-606	9	26	banking	banking	NOUN
ajbmeb-606	9	27	,	,	PUNCT
ajbmeb-606	9	28	mobile	mobile	ADJ
ajbmeb-606	9	29	applications	application	NOUN
ajbmeb-606	9	30	,	,	PUNCT
ajbmeb-606	9	31	etc	etc	X
ajbmeb-606	9	32	.	.	X
ajbmeb-606	10	1	in	in	ADP
ajbmeb-606	10	2	addition	addition	NOUN
ajbmeb-606	10	3	,	,	PUNCT
ajbmeb-606	10	4	the	the	DET
ajbmeb-606	10	5	emergence	emergence	NOUN
ajbmeb-606	10	6	of	of	ADP
ajbmeb-606	10	7	new	new	ADJ
ajbmeb-606	10	8	technological	technological	ADJ
ajbmeb-606	10	9	solutions	solution	NOUN
ajbmeb-606	10	10	and	and	CCONJ
ajbmeb-606	10	11	financial	financial	ADJ
ajbmeb-606	10	12	instruments	instrument	NOUN
ajbmeb-606	10	13	allows	allow	VERB
ajbmeb-606	10	14	companies	company	NOUN
ajbmeb-606	10	15	from	from	ADP
ajbmeb-606	10	16	other	other	ADJ
ajbmeb-606	10	17	industries	industry	NOUN
ajbmeb-606	10	18	,	,	PUNCT
ajbmeb-606	10	19	such	such	ADJ
ajbmeb-606	10	20	as	as	ADP
ajbmeb-606	10	21	technology	technology	NOUN
ajbmeb-606	10	22	and	and	CCONJ
ajbmeb-606	10	23	fintech	fintech	NOUN
ajbmeb-606	10	24	companies	company	NOUN
ajbmeb-606	10	25	,	,	PUNCT
ajbmeb-606	10	26	to	to	PART
ajbmeb-606	10	27	compete	compete	VERB
ajbmeb-606	10	28	with	with	ADP
ajbmeb-606	10	29	banks	bank	NOUN
ajbmeb-606	10	30	in	in	ADP
ajbmeb-606	10	31	providing	provide	VERB
ajbmeb-606	10	32	financial	financial	ADJ
ajbmeb-606	10	33	services	service	NOUN
ajbmeb-606	10	34	.	.	PUNCT
ajbmeb-606	11	1	⎯	⎯	PROPN
ajbmeb-606	11	2	digitalization	digitalization	NOUN
ajbmeb-606	11	3	.	.	PUNCT
ajbmeb-606	12	1	in	in	ADP
ajbmeb-606	12	2	the	the	DET
ajbmeb-606	12	3	context	context	NOUN
ajbmeb-606	12	4	of	of	ADP
ajbmeb-606	12	5	digital	digital	ADJ
ajbmeb-606	12	6	transformation	transformation	NOUN
ajbmeb-606	12	7	,	,	PUNCT
ajbmeb-606	12	8	the	the	DET
ajbmeb-606	12	9	banking	banking	NOUN
ajbmeb-606	12	10	system	system	NOUN
ajbmeb-606	12	11	is	be	AUX
ajbmeb-606	12	12	increasingly	increasingly	ADV
ajbmeb-606	12	13	moving	move	VERB
ajbmeb-606	12	14	to	to	ADP
ajbmeb-606	12	15	an	an	DET
ajbmeb-606	12	16	online	online	ADJ
ajbmeb-606	12	17	format	format	NOUN
ajbmeb-606	12	18	and	and	CCONJ
ajbmeb-606	12	19	process	process	NOUN
ajbmeb-606	12	20	automation	automation	NOUN
ajbmeb-606	12	21	.	.	PUNCT
ajbmeb-606	13	1	one	one	NUM
ajbmeb-606	13	2	of	of	ADP
ajbmeb-606	13	3	the	the	DET
ajbmeb-606	13	4	main	main	ADJ
ajbmeb-606	13	5	goals	goal	NOUN
ajbmeb-606	13	6	of	of	ADP
ajbmeb-606	13	7	digitalization	digitalization	NOUN
ajbmeb-606	13	8	of	of	ADP
ajbmeb-606	13	9	banks	bank	NOUN
ajbmeb-606	13	10	is	be	AUX
ajbmeb-606	13	11	to	to	PART
ajbmeb-606	13	12	improve	improve	VERB
ajbmeb-606	13	13	the	the	DET
ajbmeb-606	13	14	quality	quality	NOUN
ajbmeb-606	13	15	of	of	ADP
ajbmeb-606	13	16	customer	customer	NOUN
ajbmeb-606	13	17	service	service	NOUN
ajbmeb-606	13	18	,	,	PUNCT
ajbmeb-606	13	19	reduce	reduce	VERB
ajbmeb-606	13	20	costs	cost	NOUN
ajbmeb-606	13	21	and	and	CCONJ
ajbmeb-606	13	22	increase	increase	VERB
ajbmeb-606	13	23	the	the	DET
ajbmeb-606	13	24	efficiency	efficiency	NOUN
ajbmeb-606	13	25	of	of	ADP
ajbmeb-606	13	26	banks	bank	NOUN
ajbmeb-606	13	27	.	.	PUNCT
ajbmeb-606	14	1	⎯	⎯	PROPN
ajbmeb-606	14	2	geographic	geographic	ADJ
ajbmeb-606	14	3	expansion	expansion	NOUN
ajbmeb-606	14	4	.	.	PUNCT
ajbmeb-606	15	1	many	many	ADJ
ajbmeb-606	15	2	banks	bank	NOUN
ajbmeb-606	15	3	are	be	AUX
ajbmeb-606	15	4	expanding	expand	VERB
ajbmeb-606	15	5	their	their	PRON
ajbmeb-606	15	6	geography	geography	NOUN
ajbmeb-606	15	7	of	of	ADP
ajbmeb-606	15	8	activity	activity	NOUN
ajbmeb-606	15	9	by	by	ADP
ajbmeb-606	15	10	opening	open	VERB
ajbmeb-606	15	11	branches	branch	NOUN
ajbmeb-606	15	12	and	and	CCONJ
ajbmeb-606	15	13	representative	representative	ADJ
ajbmeb-606	15	14	offices	office	NOUN
ajbmeb-606	15	15	in	in	ADP
ajbmeb-606	15	16	various	various	ADJ
ajbmeb-606	15	17	regions	region	NOUN
ajbmeb-606	15	18	of	of	ADP
ajbmeb-606	15	19	the	the	DET
ajbmeb-606	15	20	world	world	NOUN
ajbmeb-606	15	21	.	.	PUNCT
ajbmeb-606	16	1	this	this	PRON
ajbmeb-606	16	2	allows	allow	VERB
ajbmeb-606	16	3	them	they	PRON
ajbmeb-606	16	4	to	to	PART
ajbmeb-606	16	5	increase	increase	VERB
ajbmeb-606	16	6	their	their	PRON
ajbmeb-606	16	7	customer	customer	NOUN
ajbmeb-606	16	8	base	base	NOUN
ajbmeb-606	16	9	,	,	PUNCT
ajbmeb-606	16	10	diversify	diversify	VERB
ajbmeb-606	16	11	their	their	PRON
ajbmeb-606	16	12	portfolio	portfolio	NOUN
ajbmeb-606	16	13	of	of	ADP
ajbmeb-606	16	14	products	product	NOUN
ajbmeb-606	16	15	and	and	CCONJ
ajbmeb-606	16	16	services	service	NOUN
ajbmeb-606	16	17	,	,	PUNCT
ajbmeb-606	16	18	and	and	CCONJ
ajbmeb-606	16	19	increase	increase	VERB
ajbmeb-606	16	20	their	their	PRON
ajbmeb-606	16	21	revenue	revenue	NOUN
ajbmeb-606	16	22	.	.	PUNCT
ajbmeb-606	17	1	american	american	ADJ
ajbmeb-606	17	2	journal	journal	PROPN
ajbmeb-606	17	3	of	of	ADP
ajbmeb-606	17	4	business	business	NOUN
ajbmeb-606	17	5	management	management	NOUN
ajbmeb-606	17	6	,	,	PUNCT
ajbmeb-606	17	7	economics	economic	NOUN
ajbmeb-606	17	8	and	and	CCONJ
ajbmeb-606	17	9	banking	banking	NOUN
ajbmeb-606	17	10	volume	volume	NOUN
ajbmeb-606	17	11	11	11	NUM
ajbmeb-606	17	12	april	april	PROPN
ajbmeb-606	17	13	,	,	PUNCT
ajbmeb-606	17	14	2023	2023	NUM
ajbmeb-606	17	15	p	p	NOUN
ajbmeb-606	17	16	a	a	DET
ajbmeb-606	17	17	g	g	NOUN
ajbmeb-606	17	18	e	e	NOUN
ajbmeb-606	17	19	|	|	ADV
ajbmeb-606	17	20	51	51	NUM
ajbmeb-606	17	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-606	17	22	main	main	ADJ
ajbmeb-606	17	23	part	part	NOUN
ajbmeb-606	17	24	in	in	ADP
ajbmeb-606	17	25	general	general	ADJ
ajbmeb-606	17	26	,	,	PUNCT
ajbmeb-606	17	27	the	the	DET
ajbmeb-606	17	28	techniques	technique	NOUN
ajbmeb-606	17	29	and	and	CCONJ
ajbmeb-606	17	30	methods	method	NOUN
ajbmeb-606	17	31	of	of	ADP
ajbmeb-606	17	32	banking	banking	NOUN
ajbmeb-606	17	33	have	have	AUX
ajbmeb-606	17	34	become	become	VERB
ajbmeb-606	17	35	more	more	ADV
ajbmeb-606	17	36	complex	complex	ADJ
ajbmeb-606	17	37	,	,	PUNCT
ajbmeb-606	17	38	acquired	acquire	VERB
ajbmeb-606	17	39	new	new	ADJ
ajbmeb-606	17	40	features	feature	NOUN
ajbmeb-606	17	41	,	,	PUNCT
ajbmeb-606	17	42	which	which	PRON
ajbmeb-606	17	43	,	,	PUNCT
ajbmeb-606	17	44	for	for	ADP
ajbmeb-606	17	45	example	example	NOUN
ajbmeb-606	17	46	,	,	PUNCT
ajbmeb-606	17	47	consist	consist	VERB
ajbmeb-606	17	48	in	in	ADP
ajbmeb-606	17	49	the	the	DET
ajbmeb-606	17	50	introduction	introduction	NOUN
ajbmeb-606	17	51	of	of	ADP
ajbmeb-606	17	52	new	new	ADJ
ajbmeb-606	17	53	forms	form	NOUN
ajbmeb-606	17	54	of	of	ADP
ajbmeb-606	17	55	financial	financial	ADJ
ajbmeb-606	17	56	transactions	transaction	NOUN
ajbmeb-606	17	57	,	,	PUNCT
ajbmeb-606	17	58	banking	banking	NOUN
ajbmeb-606	17	59	services	service	NOUN
ajbmeb-606	17	60	and	and	CCONJ
ajbmeb-606	17	61	products	product	NOUN
ajbmeb-606	17	62	.	.	PUNCT
ajbmeb-606	18	1	their	their	PRON
ajbmeb-606	18	2	occurrence	occurrence	NOUN
ajbmeb-606	18	3	occurred	occur	VERB
ajbmeb-606	18	4	naturally	naturally	ADV
ajbmeb-606	18	5	by	by	ADP
ajbmeb-606	18	6	combining	combine	VERB
ajbmeb-606	18	7	the	the	DET
ajbmeb-606	18	8	interests	interest	NOUN
ajbmeb-606	18	9	of	of	ADP
ajbmeb-606	18	10	the	the	DET
ajbmeb-606	18	11	supply	supply	NOUN
ajbmeb-606	18	12	and	and	CCONJ
ajbmeb-606	18	13	demand	demand	NOUN
ajbmeb-606	18	14	sides	side	NOUN
ajbmeb-606	18	15	and	and	CCONJ
ajbmeb-606	18	16	therefore	therefore	ADV
ajbmeb-606	18	17	found	find	VERB
ajbmeb-606	18	18	effective	effective	ADJ
ajbmeb-606	18	19	application	application	NOUN
ajbmeb-606	18	20	in	in	ADP
ajbmeb-606	18	21	practice	practice	NOUN
ajbmeb-606	18	22	.	.	PUNCT
ajbmeb-606	19	1	despite	despite	SCONJ
ajbmeb-606	19	2	this	this	PRON
ajbmeb-606	19	3	,	,	PUNCT
ajbmeb-606	19	4	this	this	DET
ajbmeb-606	19	5	modernization	modernization	NOUN
ajbmeb-606	19	6	of	of	ADP
ajbmeb-606	19	7	banking	banking	NOUN
ajbmeb-606	19	8	activity	activity	NOUN
ajbmeb-606	19	9	led	lead	VERB
ajbmeb-606	19	10	to	to	ADP
ajbmeb-606	19	11	an	an	DET
ajbmeb-606	19	12	increase	increase	NOUN
ajbmeb-606	19	13	in	in	ADP
ajbmeb-606	19	14	the	the	DET
ajbmeb-606	19	15	role	role	NOUN
ajbmeb-606	19	16	of	of	ADP
ajbmeb-606	19	17	banking	banking	NOUN
ajbmeb-606	19	18	risk	risk	NOUN
ajbmeb-606	19	19	management	management	NOUN
ajbmeb-606	19	20	.	.	PUNCT
ajbmeb-606	20	1	a	a	DET
ajbmeb-606	20	2	special	special	ADJ
ajbmeb-606	20	3	role	role	NOUN
ajbmeb-606	20	4	at	at	ADP
ajbmeb-606	20	5	this	this	DET
ajbmeb-606	20	6	stage	stage	NOUN
ajbmeb-606	20	7	,	,	PUNCT
ajbmeb-606	20	8	as	as	SCONJ
ajbmeb-606	20	9	usoskin	usoskin	NOUN
ajbmeb-606	20	10	noted	note	VERB
ajbmeb-606	20	11	,	,	PUNCT
ajbmeb-606	20	12	was	be	AUX
ajbmeb-606	20	13	the	the	DET
ajbmeb-606	20	14	regulation	regulation	NOUN
ajbmeb-606	20	15	of	of	ADP
ajbmeb-606	20	16	the	the	DET
ajbmeb-606	20	17	financial	financial	ADJ
ajbmeb-606	20	18	and	and	CCONJ
ajbmeb-606	20	19	banking	banking	NOUN
ajbmeb-606	20	20	sector	sector	NOUN
ajbmeb-606	20	21	and	and	CCONJ
ajbmeb-606	20	22	its	its	PRON
ajbmeb-606	20	23	processes	process	NOUN
ajbmeb-606	20	24	by	by	ADP
ajbmeb-606	20	25	the	the	DET
ajbmeb-606	20	26	state	state	NOUN
ajbmeb-606	20	27	,	,	PUNCT
ajbmeb-606	20	28	manifested	manifest	VERB
ajbmeb-606	20	29	in	in	ADP
ajbmeb-606	20	30	the	the	DET
ajbmeb-606	20	31	form	form	NOUN
ajbmeb-606	20	32	of	of	ADP
ajbmeb-606	20	33	legislative	legislative	ADJ
ajbmeb-606	20	34	reforms	reform	NOUN
ajbmeb-606	20	35	and	and	CCONJ
ajbmeb-606	20	36	innovations	innovation	NOUN
ajbmeb-606	20	37	.	.	PUNCT
ajbmeb-606	21	1	[	[	X
ajbmeb-606	21	2	1	1	NUM
ajbmeb-606	21	3	,	,	PUNCT
ajbmeb-606	21	4	p.5969	p.5969	ADV
ajbmeb-606	21	5	]	]	PUNCT
ajbmeb-606	21	6	many	many	ADJ
ajbmeb-606	21	7	of	of	ADP
ajbmeb-606	21	8	them	they	PRON
ajbmeb-606	21	9	were	be	AUX
ajbmeb-606	21	10	aimed	aim	VERB
ajbmeb-606	21	11	,	,	PUNCT
ajbmeb-606	21	12	firstly	firstly	ADV
ajbmeb-606	21	13	,	,	PUNCT
ajbmeb-606	21	14	at	at	ADP
ajbmeb-606	21	15	easing	ease	VERB
ajbmeb-606	21	16	and	and	CCONJ
ajbmeb-606	21	17	abolishing	abolish	VERB
ajbmeb-606	21	18	restrictions	restriction	NOUN
ajbmeb-606	21	19	in	in	ADP
ajbmeb-606	21	20	banking	banking	NOUN
ajbmeb-606	21	21	,	,	PUNCT
ajbmeb-606	21	22	including	include	VERB
ajbmeb-606	21	23	those	those	PRON
ajbmeb-606	21	24	related	relate	VERB
ajbmeb-606	21	25	to	to	ADP
ajbmeb-606	21	26	the	the	DET
ajbmeb-606	21	27	territorial	territorial	ADJ
ajbmeb-606	21	28	distribution	distribution	NOUN
ajbmeb-606	21	29	and	and	CCONJ
ajbmeb-606	21	30	expansion	expansion	NOUN
ajbmeb-606	21	31	of	of	ADP
ajbmeb-606	21	32	the	the	DET
ajbmeb-606	21	33	branch	branch	NOUN
ajbmeb-606	21	34	network	network	NOUN
ajbmeb-606	21	35	,	,	PUNCT
ajbmeb-606	21	36	opening	open	VERB
ajbmeb-606	21	37	new	new	ADJ
ajbmeb-606	21	38	institutions	institution	NOUN
ajbmeb-606	21	39	,	,	PUNCT
ajbmeb-606	21	40	improving	improve	VERB
ajbmeb-606	21	41	the	the	DET
ajbmeb-606	21	42	structure	structure	NOUN
ajbmeb-606	21	43	of	of	ADP
ajbmeb-606	21	44	the	the	DET
ajbmeb-606	21	45	banking	banking	NOUN
ajbmeb-606	21	46	system	system	NOUN
ajbmeb-606	21	47	,	,	PUNCT
ajbmeb-606	21	48	creating	create	VERB
ajbmeb-606	21	49	banking	banking	NOUN
ajbmeb-606	21	50	groups	group	NOUN
ajbmeb-606	21	51	and	and	CCONJ
ajbmeb-606	21	52	holdings	holding	NOUN
ajbmeb-606	21	53	and	and	CCONJ
ajbmeb-606	21	54	so	so	ADV
ajbmeb-606	21	55	on	on	ADV
ajbmeb-606	21	56	.	.	PUNCT
ajbmeb-606	22	1	second	second	ADJ
ajbmeb-606	22	2	,	,	PUNCT
ajbmeb-606	22	3	tariff	tariff	NOUN
ajbmeb-606	22	4	restrictions	restriction	NOUN
ajbmeb-606	22	5	on	on	ADP
ajbmeb-606	22	6	financial	financial	ADJ
ajbmeb-606	22	7	transactions	transaction	NOUN
ajbmeb-606	22	8	,	,	PUNCT
ajbmeb-606	22	9	such	such	ADJ
ajbmeb-606	22	10	as	as	ADP
ajbmeb-606	22	11	marginal	marginal	ADJ
ajbmeb-606	22	12	rate	rate	NOUN
ajbmeb-606	22	13	levels	level	NOUN
ajbmeb-606	22	14	,	,	PUNCT
ajbmeb-606	22	15	have	have	AUX
ajbmeb-606	22	16	been	be	AUX
ajbmeb-606	22	17	lifted	lift	VERB
ajbmeb-606	22	18	.	.	PUNCT
ajbmeb-606	23	1	in	in	ADP
ajbmeb-606	23	2	addition	addition	NOUN
ajbmeb-606	23	3	,	,	PUNCT
ajbmeb-606	23	4	new	new	ADJ
ajbmeb-606	23	5	financial	financial	ADJ
ajbmeb-606	23	6	instruments	instrument	NOUN
ajbmeb-606	23	7	and	and	CCONJ
ajbmeb-606	23	8	types	type	NOUN
ajbmeb-606	23	9	of	of	ADP
ajbmeb-606	23	10	banking	banking	NOUN
ajbmeb-606	23	11	services	service	NOUN
ajbmeb-606	23	12	were	be	AUX
ajbmeb-606	23	13	introduced	introduce	VERB
ajbmeb-606	23	14	into	into	ADP
ajbmeb-606	23	15	practice	practice	NOUN
ajbmeb-606	23	16	by	by	ADP
ajbmeb-606	23	17	the	the	DET
ajbmeb-606	23	18	type	type	NOUN
ajbmeb-606	23	19	of	of	ADP
ajbmeb-606	23	20	checking	check	VERB
ajbmeb-606	23	21	account	account	NOUN
ajbmeb-606	23	22	.	.	PUNCT
ajbmeb-606	24	1	increasing	increase	VERB
ajbmeb-606	24	2	competition	competition	NOUN
ajbmeb-606	24	3	between	between	ADP
ajbmeb-606	24	4	financial	financial	ADJ
ajbmeb-606	24	5	institutions	institution	NOUN
ajbmeb-606	24	6	and	and	CCONJ
ajbmeb-606	24	7	liberalization	liberalization	NOUN
ajbmeb-606	24	8	of	of	ADP
ajbmeb-606	24	9	banking	banking	NOUN
ajbmeb-606	24	10	legislation	legislation	NOUN
ajbmeb-606	24	11	have	have	AUX
ajbmeb-606	24	12	begun	begin	VERB
ajbmeb-606	24	13	to	to	PART
ajbmeb-606	24	14	lead	lead	VERB
ajbmeb-606	24	15	to	to	ADP
ajbmeb-606	24	16	the	the	DET
ajbmeb-606	24	17	transition	transition	NOUN
ajbmeb-606	24	18	of	of	ADP
ajbmeb-606	24	19	banks	bank	NOUN
ajbmeb-606	24	20	from	from	ADP
ajbmeb-606	24	21	large	large	ADJ
ajbmeb-606	24	22	corporate	corporate	ADJ
ajbmeb-606	24	23	clients	client	NOUN
ajbmeb-606	24	24	to	to	ADP
ajbmeb-606	24	25	a	a	DET
ajbmeb-606	24	26	wide	wide	ADJ
ajbmeb-606	24	27	audience	audience	NOUN
ajbmeb-606	24	28	of	of	ADP
ajbmeb-606	24	29	retail	retail	ADJ
ajbmeb-606	24	30	activities	activity	NOUN
ajbmeb-606	24	31	,	,	PUNCT
ajbmeb-606	24	32	transactions	transaction	NOUN
ajbmeb-606	24	33	with	with	ADP
ajbmeb-606	24	34	which	which	PRON
ajbmeb-606	24	35	have	have	VERB
ajbmeb-606	24	36	a	a	DET
ajbmeb-606	24	37	higher	high	ADJ
ajbmeb-606	24	38	margin	margin	NOUN
ajbmeb-606	24	39	.	.	PUNCT
ajbmeb-606	25	1	it	it	PRON
ajbmeb-606	25	2	is	be	AUX
ajbmeb-606	25	3	this	this	DET
ajbmeb-606	25	4	trend	trend	NOUN
ajbmeb-606	25	5	that	that	PRON
ajbmeb-606	25	6	is	be	AUX
ajbmeb-606	25	7	reflected	reflect	VERB
ajbmeb-606	25	8	in	in	ADP
ajbmeb-606	25	9	developing	develop	VERB
ajbmeb-606	25	10	countries	country	NOUN
ajbmeb-606	25	11	today	today	NOUN
ajbmeb-606	25	12	,	,	PUNCT
ajbmeb-606	25	13	in	in	ADP
ajbmeb-606	25	14	the	the	DET
ajbmeb-606	25	15	form	form	NOUN
ajbmeb-606	25	16	of	of	ADP
ajbmeb-606	25	17	expanding	expand	VERB
ajbmeb-606	25	18	channels	channel	NOUN
ajbmeb-606	25	19	of	of	ADP
ajbmeb-606	25	20	work	work	NOUN
ajbmeb-606	25	21	with	with	ADP
ajbmeb-606	25	22	individuals	individual	NOUN
ajbmeb-606	25	23	.	.	PUNCT
ajbmeb-606	26	1	the	the	DET
ajbmeb-606	26	2	global	global	ADJ
ajbmeb-606	26	3	trend	trend	NOUN
ajbmeb-606	26	4	in	in	ADP
ajbmeb-606	26	5	the	the	DET
ajbmeb-606	26	6	development	development	NOUN
ajbmeb-606	26	7	of	of	ADP
ajbmeb-606	26	8	the	the	DET
ajbmeb-606	26	9	banking	banking	NOUN
ajbmeb-606	26	10	sector	sector	NOUN
ajbmeb-606	26	11	,	,	PUNCT
ajbmeb-606	26	12	which	which	PRON
ajbmeb-606	26	13	is	be	AUX
ajbmeb-606	26	14	reflected	reflect	VERB
ajbmeb-606	26	15	to	to	ADP
ajbmeb-606	26	16	this	this	DET
ajbmeb-606	26	17	day	day	NOUN
ajbmeb-606	26	18	,	,	PUNCT
ajbmeb-606	26	19	is	be	AUX
ajbmeb-606	26	20	obviously	obviously	ADV
ajbmeb-606	26	21	computerization	computerization	NOUN
ajbmeb-606	26	22	as	as	ADP
ajbmeb-606	26	23	a	a	DET
ajbmeb-606	26	24	fundamental	fundamental	ADJ
ajbmeb-606	26	25	factor	factor	NOUN
ajbmeb-606	26	26	in	in	ADP
ajbmeb-606	26	27	the	the	DET
ajbmeb-606	26	28	development	development	NOUN
ajbmeb-606	26	29	of	of	ADP
ajbmeb-606	26	30	the	the	DET
ajbmeb-606	26	31	entire	entire	ADJ
ajbmeb-606	26	32	banking	banking	NOUN
ajbmeb-606	26	33	,	,	PUNCT
ajbmeb-606	26	34	financial	financial	ADJ
ajbmeb-606	26	35	and	and	CCONJ
ajbmeb-606	26	36	economic	economic	ADJ
ajbmeb-606	26	37	system	system	NOUN
ajbmeb-606	26	38	.	.	PUNCT
ajbmeb-606	27	1	it	it	PRON
ajbmeb-606	27	2	technologies	technology	NOUN
ajbmeb-606	27	3	have	have	AUX
ajbmeb-606	27	4	rapidly	rapidly	ADV
ajbmeb-606	27	5	begun	begin	VERB
ajbmeb-606	27	6	to	to	PART
ajbmeb-606	27	7	be	be	AUX
ajbmeb-606	27	8	introduced	introduce	VERB
ajbmeb-606	27	9	into	into	ADP
ajbmeb-606	27	10	banking	banking	NOUN
ajbmeb-606	27	11	over	over	ADP
ajbmeb-606	27	12	the	the	DET
ajbmeb-606	27	13	past	past	ADJ
ajbmeb-606	27	14	decades	decade	NOUN
ajbmeb-606	27	15	,	,	PUNCT
ajbmeb-606	27	16	so	so	SCONJ
ajbmeb-606	27	17	today	today	NOUN
ajbmeb-606	27	18	it	it	PRON
ajbmeb-606	27	19	is	be	AUX
ajbmeb-606	27	20	impossible	impossible	ADJ
ajbmeb-606	27	21	to	to	PART
ajbmeb-606	27	22	imagine	imagine	VERB
ajbmeb-606	27	23	this	this	DET
ajbmeb-606	27	24	sector	sector	NOUN
ajbmeb-606	27	25	without	without	ADP
ajbmeb-606	27	26	systems	system	NOUN
ajbmeb-606	27	27	for	for	ADP
ajbmeb-606	27	28	automating	automate	VERB
ajbmeb-606	27	29	processes	process	NOUN
ajbmeb-606	27	30	,	,	PUNCT
ajbmeb-606	27	31	collecting	collecting	NOUN
ajbmeb-606	27	32	,	,	PUNCT
ajbmeb-606	27	33	storing	store	VERB
ajbmeb-606	27	34	and	and	CCONJ
ajbmeb-606	27	35	processing	process	VERB
ajbmeb-606	27	36	information	information	NOUN
ajbmeb-606	27	37	about	about	ADP
ajbmeb-606	27	38	banking	banking	NOUN
ajbmeb-606	27	39	operations.[2	operations.[2	NOUN
ajbmeb-606	27	40	]	]	X
ajbmeb-606	27	41	a	a	DET
ajbmeb-606	27	42	new	new	ADJ
ajbmeb-606	27	43	milestone	milestone	NOUN
ajbmeb-606	27	44	in	in	ADP
ajbmeb-606	27	45	the	the	DET
ajbmeb-606	27	46	development	development	NOUN
ajbmeb-606	27	47	of	of	ADP
ajbmeb-606	27	48	this	this	DET
ajbmeb-606	27	49	segment	segment	NOUN
ajbmeb-606	27	50	was	be	AUX
ajbmeb-606	27	51	the	the	DET
ajbmeb-606	27	52	introduction	introduction	NOUN
ajbmeb-606	27	53	of	of	ADP
ajbmeb-606	27	54	internet	internet	NOUN
ajbmeb-606	27	55	banking	banking	NOUN
ajbmeb-606	27	56	,	,	PUNCT
ajbmeb-606	27	57	which	which	PRON
ajbmeb-606	27	58	is	be	AUX
ajbmeb-606	27	59	improving	improve	VERB
ajbmeb-606	27	60	every	every	DET
ajbmeb-606	27	61	day	day	NOUN
ajbmeb-606	27	62	.	.	PUNCT
ajbmeb-606	28	1	the	the	DET
ajbmeb-606	28	2	advantages	advantage	NOUN
ajbmeb-606	28	3	of	of	ADP
ajbmeb-606	28	4	developing	develop	VERB
ajbmeb-606	28	5	these	these	DET
ajbmeb-606	28	6	processes	process	NOUN
ajbmeb-606	28	7	are	be	AUX
ajbmeb-606	28	8	not	not	PART
ajbmeb-606	28	9	only	only	ADV
ajbmeb-606	28	10	a	a	DET
ajbmeb-606	28	11	reduction	reduction	NOUN
ajbmeb-606	28	12	in	in	ADP
ajbmeb-606	28	13	operating	operating	NOUN
ajbmeb-606	28	14	costs	cost	NOUN
ajbmeb-606	28	15	and	and	CCONJ
ajbmeb-606	28	16	an	an	DET
ajbmeb-606	28	17	increase	increase	NOUN
ajbmeb-606	28	18	in	in	ADP
ajbmeb-606	28	19	the	the	DET
ajbmeb-606	28	20	quality	quality	NOUN
ajbmeb-606	28	21	of	of	ADP
ajbmeb-606	28	22	customer	customer	NOUN
ajbmeb-606	28	23	service	service	NOUN
ajbmeb-606	28	24	without	without	ADP
ajbmeb-606	28	25	increasing	increase	VERB
ajbmeb-606	28	26	personnel	personnel	NOUN
ajbmeb-606	28	27	costs	cost	NOUN
ajbmeb-606	28	28	,	,	PUNCT
ajbmeb-606	28	29	but	but	CCONJ
ajbmeb-606	28	30	the	the	DET
ajbmeb-606	28	31	introduction	introduction	NOUN
ajbmeb-606	28	32	of	of	ADP
ajbmeb-606	28	33	new	new	ADJ
ajbmeb-606	28	34	forms	form	NOUN
ajbmeb-606	28	35	and	and	CCONJ
ajbmeb-606	28	36	products	product	NOUN
ajbmeb-606	28	37	of	of	ADP
ajbmeb-606	28	38	banking	banking	NOUN
ajbmeb-606	28	39	activities	activity	NOUN
ajbmeb-606	28	40	.	.	PUNCT
ajbmeb-606	29	1	another	another	DET
ajbmeb-606	29	2	important	important	ADJ
ajbmeb-606	29	3	aspect	aspect	NOUN
ajbmeb-606	29	4	of	of	ADP
ajbmeb-606	29	5	the	the	DET
ajbmeb-606	29	6	development	development	NOUN
ajbmeb-606	29	7	of	of	ADP
ajbmeb-606	29	8	the	the	DET
ajbmeb-606	29	9	banking	banking	NOUN
ajbmeb-606	29	10	system	system	NOUN
ajbmeb-606	29	11	is	be	AUX
ajbmeb-606	29	12	the	the	DET
ajbmeb-606	29	13	processes	process	NOUN
ajbmeb-606	29	14	of	of	ADP
ajbmeb-606	29	15	financial	financial	ADJ
ajbmeb-606	29	16	globalization	globalization	NOUN
ajbmeb-606	29	17	.	.	PUNCT
ajbmeb-606	30	1	[	[	X
ajbmeb-606	30	2	3	3	NUM
ajbmeb-606	30	3	]	]	X
ajbmeb-606	30	4	financial	financial	ADJ
ajbmeb-606	30	5	globalization	globalization	NOUN
ajbmeb-606	30	6	includes	include	VERB
ajbmeb-606	30	7	the	the	DET
ajbmeb-606	30	8	integration	integration	NOUN
ajbmeb-606	30	9	of	of	ADP
ajbmeb-606	30	10	financial	financial	ADJ
ajbmeb-606	30	11	markets	market	NOUN
ajbmeb-606	30	12	and	and	CCONJ
ajbmeb-606	30	13	institutions	institution	NOUN
ajbmeb-606	30	14	across	across	ADP
ajbmeb-606	30	15	countries	country	NOUN
ajbmeb-606	30	16	,	,	PUNCT
ajbmeb-606	30	17	the	the	DET
ajbmeb-606	30	18	exchange	exchange	NOUN
ajbmeb-606	30	19	of	of	ADP
ajbmeb-606	30	20	information	information	NOUN
ajbmeb-606	30	21	and	and	CCONJ
ajbmeb-606	30	22	technology	technology	NOUN
ajbmeb-606	30	23	,	,	PUNCT
ajbmeb-606	30	24	and	and	CCONJ
ajbmeb-606	30	25	the	the	DET
ajbmeb-606	30	26	transfer	transfer	NOUN
ajbmeb-606	30	27	of	of	ADP
ajbmeb-606	30	28	capital	capital	NOUN
ajbmeb-606	30	29	and	and	CCONJ
ajbmeb-606	30	30	financial	financial	ADJ
ajbmeb-606	30	31	services	service	NOUN
ajbmeb-606	30	32	across	across	ADP
ajbmeb-606	30	33	borders	border	NOUN
ajbmeb-606	30	34	.	.	PUNCT
ajbmeb-606	31	1	one	one	NUM
ajbmeb-606	31	2	of	of	ADP
ajbmeb-606	31	3	the	the	DET
ajbmeb-606	31	4	main	main	ADJ
ajbmeb-606	31	5	effects	effect	NOUN
ajbmeb-606	31	6	of	of	ADP
ajbmeb-606	31	7	financial	financial	ADJ
ajbmeb-606	31	8	globalization	globalization	NOUN
ajbmeb-606	31	9	is	be	AUX
ajbmeb-606	31	10	the	the	DET
ajbmeb-606	31	11	ability	ability	NOUN
ajbmeb-606	31	12	for	for	ADP
ajbmeb-606	31	13	banks	bank	NOUN
ajbmeb-606	31	14	and	and	CCONJ
ajbmeb-606	31	15	other	other	ADJ
ajbmeb-606	31	16	financial	financial	ADJ
ajbmeb-606	31	17	institutions	institution	NOUN
ajbmeb-606	31	18	to	to	PART
ajbmeb-606	31	19	gain	gain	VERB
ajbmeb-606	31	20	access	access	NOUN
ajbmeb-606	31	21	to	to	ADP
ajbmeb-606	31	22	the	the	DET
ajbmeb-606	31	23	international	international	ADJ
ajbmeb-606	31	24	capital	capital	NOUN
ajbmeb-606	31	25	market	market	NOUN
ajbmeb-606	31	26	.	.	PUNCT
ajbmeb-606	32	1	this	this	PRON
ajbmeb-606	32	2	allows	allow	VERB
ajbmeb-606	32	3	banks	bank	NOUN
ajbmeb-606	32	4	to	to	PART
ajbmeb-606	32	5	raise	raise	VERB
ajbmeb-606	32	6	additional	additional	ADJ
ajbmeb-606	32	7	capital	capital	NOUN
ajbmeb-606	32	8	to	to	PART
ajbmeb-606	32	9	develop	develop	VERB
ajbmeb-606	32	10	their	their	PRON
ajbmeb-606	32	11	business	business	NOUN
ajbmeb-606	32	12	plans	plan	NOUN
ajbmeb-606	32	13	and	and	CCONJ
ajbmeb-606	32	14	expand	expand	VERB
ajbmeb-606	32	15	abroad	abroad	ADV
ajbmeb-606	32	16	.	.	PUNCT
ajbmeb-606	33	1	in	in	ADP
ajbmeb-606	33	2	turn	turn	NOUN
ajbmeb-606	33	3	,	,	PUNCT
ajbmeb-606	33	4	banks	bank	NOUN
ajbmeb-606	33	5	also	also	ADV
ajbmeb-606	33	6	provide	provide	VERB
ajbmeb-606	33	7	financial	financial	ADJ
ajbmeb-606	33	8	services	service	NOUN
ajbmeb-606	33	9	to	to	ADP
ajbmeb-606	33	10	clients	client	NOUN
ajbmeb-606	33	11	abroad	abroad	ADV
ajbmeb-606	33	12	,	,	PUNCT
ajbmeb-606	33	13	which	which	PRON
ajbmeb-606	33	14	strengthens	strengthen	VERB
ajbmeb-606	33	15	their	their	PRON
ajbmeb-606	33	16	international	international	ADJ
ajbmeb-606	33	17	presence	presence	NOUN
ajbmeb-606	33	18	.	.	PUNCT
ajbmeb-606	34	1	financial	financial	ADJ
ajbmeb-606	34	2	globalization	globalization	NOUN
ajbmeb-606	34	3	also	also	ADV
ajbmeb-606	34	4	facilitates	facilitate	VERB
ajbmeb-606	34	5	the	the	DET
ajbmeb-606	34	6	transfer	transfer	NOUN
ajbmeb-606	34	7	of	of	ADP
ajbmeb-606	34	8	capital	capital	NOUN
ajbmeb-606	34	9	to	to	ADP
ajbmeb-606	34	10	regions	region	NOUN
ajbmeb-606	34	11	with	with	ADP
ajbmeb-606	34	12	high	high	ADJ
ajbmeb-606	34	13	returns	return	NOUN
ajbmeb-606	34	14	.	.	PUNCT
ajbmeb-606	35	1	banks	bank	NOUN
ajbmeb-606	35	2	can	can	AUX
ajbmeb-606	35	3	invest	invest	VERB
ajbmeb-606	35	4	their	their	PRON
ajbmeb-606	35	5	clients	client	NOUN
ajbmeb-606	35	6	'	'	PART
ajbmeb-606	35	7	funds	fund	NOUN
ajbmeb-606	35	8	in	in	ADP
ajbmeb-606	35	9	various	various	ADJ
ajbmeb-606	35	10	assets	asset	NOUN
ajbmeb-606	35	11	such	such	ADJ
ajbmeb-606	35	12	as	as	ADP
ajbmeb-606	35	13	stocks	stock	NOUN
ajbmeb-606	35	14	,	,	PUNCT
ajbmeb-606	35	15	bonds	bond	NOUN
ajbmeb-606	35	16	,	,	PUNCT
ajbmeb-606	35	17	real	real	ADJ
ajbmeb-606	35	18	estate	estate	NOUN
ajbmeb-606	35	19	and	and	CCONJ
ajbmeb-606	35	20	other	other	ADJ
ajbmeb-606	35	21	investment	investment	NOUN
ajbmeb-606	35	22	products	product	NOUN
ajbmeb-606	35	23	available	available	ADJ
ajbmeb-606	35	24	on	on	ADP
ajbmeb-606	35	25	international	international	ADJ
ajbmeb-606	35	26	markets	market	NOUN
ajbmeb-606	35	27	.	.	PUNCT
ajbmeb-606	36	1	this	this	PRON
ajbmeb-606	36	2	allows	allow	VERB
ajbmeb-606	36	3	investors	investor	NOUN
ajbmeb-606	36	4	to	to	PART
ajbmeb-606	36	5	earn	earn	VERB
ajbmeb-606	36	6	high	high	ADJ
ajbmeb-606	36	7	returns	return	NOUN
ajbmeb-606	36	8	and	and	CCONJ
ajbmeb-606	36	9	reduce	reduce	VERB
ajbmeb-606	36	10	risks	risk	NOUN
ajbmeb-606	36	11	by	by	ADP
ajbmeb-606	36	12	spreading	spread	VERB
ajbmeb-606	36	13	their	their	PRON
ajbmeb-606	36	14	investments	investment	NOUN
ajbmeb-606	36	15	across	across	ADP
ajbmeb-606	36	16	different	different	ADJ
ajbmeb-606	36	17	countries	country	NOUN
ajbmeb-606	36	18	and	and	CCONJ
ajbmeb-606	36	19	sectors	sector	NOUN
ajbmeb-606	36	20	.	.	PUNCT
ajbmeb-606	37	1	accelerating	accelerate	VERB
ajbmeb-606	37	2	the	the	DET
ajbmeb-606	37	3	improvement	improvement	NOUN
ajbmeb-606	37	4	of	of	ADP
ajbmeb-606	37	5	forms	form	NOUN
ajbmeb-606	37	6	and	and	CCONJ
ajbmeb-606	37	7	methods	method	NOUN
ajbmeb-606	37	8	of	of	ADP
ajbmeb-606	37	9	business	business	NOUN
ajbmeb-606	37	10	processes	process	NOUN
ajbmeb-606	37	11	today	today	NOUN
ajbmeb-606	37	12	lead	lead	VERB
ajbmeb-606	37	13	to	to	ADP
ajbmeb-606	37	14	the	the	DET
ajbmeb-606	37	15	transformation	transformation	NOUN
ajbmeb-606	37	16	of	of	ADP
ajbmeb-606	37	17	all	all	DET
ajbmeb-606	37	18	sectors	sector	NOUN
ajbmeb-606	37	19	of	of	ADP
ajbmeb-606	37	20	the	the	DET
ajbmeb-606	37	21	economy	economy	NOUN
ajbmeb-606	37	22	within	within	ADP
ajbmeb-606	37	23	a	a	DET
ajbmeb-606	37	24	few	few	ADJ
ajbmeb-606	37	25	years	year	NOUN
ajbmeb-606	37	26	.	.	PUNCT
ajbmeb-606	38	1	so	so	ADV
ajbmeb-606	38	2	,	,	PUNCT
ajbmeb-606	38	3	speaking	speak	VERB
ajbmeb-606	38	4	about	about	ADP
ajbmeb-606	38	5	the	the	DET
ajbmeb-606	38	6	current	current	ADJ
ajbmeb-606	38	7	state	state	NOUN
ajbmeb-606	38	8	of	of	ADP
ajbmeb-606	38	9	the	the	DET
ajbmeb-606	38	10	banking	banking	NOUN
ajbmeb-606	38	11	system	system	NOUN
ajbmeb-606	38	12	,	,	PUNCT
ajbmeb-606	38	13	it	it	PRON
ajbmeb-606	38	14	is	be	AUX
ajbmeb-606	38	15	necessary	necessary	ADJ
ajbmeb-606	38	16	to	to	PART
ajbmeb-606	38	17	pay	pay	VERB
ajbmeb-606	38	18	attention	attention	NOUN
ajbmeb-606	38	19	not	not	PART
ajbmeb-606	38	20	only	only	ADV
ajbmeb-606	38	21	to	to	ADP
ajbmeb-606	38	22	the	the	DET
ajbmeb-606	38	23	reform	reform	NOUN
ajbmeb-606	38	24	of	of	ADP
ajbmeb-606	38	25	financial	financial	ADJ
ajbmeb-606	38	26	activity	activity	NOUN
ajbmeb-606	38	27	american	american	ADJ
ajbmeb-606	38	28	journal	journal	PROPN
ajbmeb-606	38	29	of	of	ADP
ajbmeb-606	38	30	business	business	NOUN
ajbmeb-606	38	31	management	management	NOUN
ajbmeb-606	38	32	,	,	PUNCT
ajbmeb-606	38	33	economics	economic	NOUN
ajbmeb-606	38	34	and	and	CCONJ
ajbmeb-606	38	35	banking	banking	NOUN
ajbmeb-606	38	36	volume	volume	NOUN
ajbmeb-606	38	37	11	11	NUM
ajbmeb-606	38	38	april	april	PROPN
ajbmeb-606	38	39	,	,	PUNCT
ajbmeb-606	38	40	2023	2023	NUM
ajbmeb-606	38	41	p	p	NOUN
ajbmeb-606	38	42	a	a	DET
ajbmeb-606	38	43	g	g	NOUN
ajbmeb-606	38	44	e	e	NOUN
ajbmeb-606	38	45	|	|	ADV
ajbmeb-606	38	46	52	52	NUM
ajbmeb-606	38	47	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-606	38	48	associated	associate	VERB
ajbmeb-606	38	49	with	with	ADP
ajbmeb-606	38	50	the	the	DET
ajbmeb-606	38	51	transition	transition	NOUN
ajbmeb-606	38	52	to	to	ADP
ajbmeb-606	38	53	a	a	DET
ajbmeb-606	38	54	market	market	NOUN
ajbmeb-606	38	55	economy	economy	NOUN
ajbmeb-606	38	56	at	at	ADP
ajbmeb-606	38	57	the	the	DET
ajbmeb-606	38	58	initial	initial	ADJ
ajbmeb-606	38	59	stage	stage	NOUN
ajbmeb-606	38	60	of	of	ADP
ajbmeb-606	38	61	its	its	PRON
ajbmeb-606	38	62	formation	formation	NOUN
ajbmeb-606	38	63	,	,	PUNCT
ajbmeb-606	38	64	but	but	CCONJ
ajbmeb-606	38	65	also	also	ADV
ajbmeb-606	38	66	to	to	PART
ajbmeb-606	38	67	take	take	VERB
ajbmeb-606	38	68	into	into	ADP
ajbmeb-606	38	69	account	account	NOUN
ajbmeb-606	38	70	the	the	DET
ajbmeb-606	38	71	processes	process	NOUN
ajbmeb-606	38	72	of	of	ADP
ajbmeb-606	38	73	its	its	PRON
ajbmeb-606	38	74	modernization	modernization	NOUN
ajbmeb-606	38	75	,	,	PUNCT
ajbmeb-606	38	76	noted	note	VERB
ajbmeb-606	38	77	over	over	ADP
ajbmeb-606	38	78	the	the	DET
ajbmeb-606	38	79	past	past	ADJ
ajbmeb-606	38	80	5	5	NUM
ajbmeb-606	38	81	-	-	SYM
ajbmeb-606	38	82	10	10	NUM
ajbmeb-606	38	83	years	year	NOUN
ajbmeb-606	38	84	.	.	PUNCT
ajbmeb-606	39	1	foreign	foreign	ADJ
ajbmeb-606	39	2	scientists	scientist	NOUN
ajbmeb-606	39	3	identify	identify	VERB
ajbmeb-606	39	4	a	a	DET
ajbmeb-606	39	5	number	number	NOUN
ajbmeb-606	39	6	of	of	ADP
ajbmeb-606	39	7	features	feature	NOUN
ajbmeb-606	39	8	of	of	ADP
ajbmeb-606	39	9	the	the	DET
ajbmeb-606	39	10	modern	modern	ADJ
ajbmeb-606	39	11	banking	banking	NOUN
ajbmeb-606	39	12	system	system	NOUN
ajbmeb-606	39	13	,	,	PUNCT
ajbmeb-606	39	14	in	in	ADP
ajbmeb-606	39	15	their	their	PRON
ajbmeb-606	39	16	opinion	opinion	NOUN
ajbmeb-606	39	17	,	,	PUNCT
ajbmeb-606	39	18	most	most	ADV
ajbmeb-606	39	19	clearly	clearly	ADV
ajbmeb-606	39	20	different	different	ADJ
ajbmeb-606	39	21	from	from	ADP
ajbmeb-606	39	22	its	its	PRON
ajbmeb-606	39	23	previous	previous	ADJ
ajbmeb-606	39	24	modification	modification	NOUN
ajbmeb-606	39	25	from	from	ADP
ajbmeb-606	39	26	the	the	DET
ajbmeb-606	39	27	point	point	NOUN
ajbmeb-606	39	28	of	of	ADP
ajbmeb-606	39	29	view	view	NOUN
ajbmeb-606	39	30	of	of	ADP
ajbmeb-606	39	31	foreign	foreign	ADJ
ajbmeb-606	39	32	practice	practice	NOUN
ajbmeb-606	39	33	in	in	ADP
ajbmeb-606	39	34	a	a	DET
ajbmeb-606	39	35	rapidly	rapidly	ADV
ajbmeb-606	39	36	developing	develop	VERB
ajbmeb-606	39	37	world	world	NOUN
ajbmeb-606	39	38	.	.	PUNCT
ajbmeb-606	40	1	thus	thus	ADV
ajbmeb-606	40	2	,	,	PUNCT
ajbmeb-606	40	3	the	the	DET
ajbmeb-606	40	4	following	follow	VERB
ajbmeb-606	40	5	trends	trend	NOUN
ajbmeb-606	40	6	in	in	ADP
ajbmeb-606	40	7	the	the	DET
ajbmeb-606	40	8	modern	modern	ADJ
ajbmeb-606	40	9	banking	banking	NOUN
ajbmeb-606	40	10	system	system	NOUN
ajbmeb-606	40	11	in	in	ADP
ajbmeb-606	40	12	the	the	DET
ajbmeb-606	40	13	western	western	ADJ
ajbmeb-606	40	14	world	world	NOUN
ajbmeb-606	40	15	are	be	AUX
ajbmeb-606	40	16	distinguished	distinguish	VERB
ajbmeb-606	40	17	(	(	PUNCT
ajbmeb-606	40	18	which	which	PRON
ajbmeb-606	40	19	are	be	AUX
ajbmeb-606	40	20	gradually	gradually	ADV
ajbmeb-606	40	21	reflected	reflect	VERB
ajbmeb-606	40	22	in	in	ADP
ajbmeb-606	40	23	countries	country	NOUN
ajbmeb-606	40	24	with	with	ADP
ajbmeb-606	40	25	developing	develop	VERB
ajbmeb-606	40	26	economies	economy	NOUN
ajbmeb-606	40	27	)	)	PUNCT
ajbmeb-606	41	1	[	[	X
ajbmeb-606	41	2	4	4	NUM
ajbmeb-606	41	3	]	]	PUNCT
ajbmeb-606	41	4	:	:	PUNCT
ajbmeb-606	41	5	⎯	⎯	PROPN
ajbmeb-606	41	6	securitization	securitization	NOUN
ajbmeb-606	41	7	securitization	securitization	NOUN
ajbmeb-606	41	8	is	be	AUX
ajbmeb-606	41	9	the	the	DET
ajbmeb-606	41	10	process	process	NOUN
ajbmeb-606	41	11	of	of	ADP
ajbmeb-606	41	12	converting	convert	VERB
ajbmeb-606	41	13	a	a	DET
ajbmeb-606	41	14	stream	stream	NOUN
ajbmeb-606	41	15	of	of	ADP
ajbmeb-606	41	16	income	income	NOUN
ajbmeb-606	41	17	from	from	ADP
ajbmeb-606	41	18	assets	asset	NOUN
ajbmeb-606	41	19	such	such	ADJ
ajbmeb-606	41	20	as	as	ADP
ajbmeb-606	41	21	mortgages	mortgage	NOUN
ajbmeb-606	41	22	or	or	CCONJ
ajbmeb-606	41	23	credit	credit	NOUN
ajbmeb-606	41	24	cards	card	NOUN
ajbmeb-606	41	25	into	into	ADP
ajbmeb-606	41	26	securities	security	NOUN
ajbmeb-606	41	27	that	that	PRON
ajbmeb-606	41	28	can	can	AUX
ajbmeb-606	41	29	then	then	ADV
ajbmeb-606	41	30	be	be	AUX
ajbmeb-606	41	31	sold	sell	VERB
ajbmeb-606	41	32	to	to	ADP
ajbmeb-606	41	33	investors	investor	NOUN
ajbmeb-606	41	34	.	.	PUNCT
ajbmeb-606	42	1	thus	thus	ADV
ajbmeb-606	42	2	,	,	PUNCT
ajbmeb-606	42	3	the	the	DET
ajbmeb-606	42	4	bank	bank	NOUN
ajbmeb-606	42	5	receives	receive	VERB
ajbmeb-606	42	6	additional	additional	ADJ
ajbmeb-606	42	7	capital	capital	NOUN
ajbmeb-606	42	8	,	,	PUNCT
ajbmeb-606	42	9	and	and	CCONJ
ajbmeb-606	42	10	investors	investor	NOUN
ajbmeb-606	42	11	can	can	AUX
ajbmeb-606	42	12	receive	receive	VERB
ajbmeb-606	42	13	income	income	NOUN
ajbmeb-606	42	14	from	from	ADP
ajbmeb-606	42	15	these	these	DET
ajbmeb-606	42	16	securities	security	NOUN
ajbmeb-606	42	17	.	.	PUNCT
ajbmeb-606	43	1	securitization	securitization	NOUN
ajbmeb-606	43	2	is	be	AUX
ajbmeb-606	43	3	an	an	DET
ajbmeb-606	43	4	important	important	ADJ
ajbmeb-606	43	5	tool	tool	NOUN
ajbmeb-606	43	6	for	for	ADP
ajbmeb-606	43	7	banks	bank	NOUN
ajbmeb-606	43	8	and	and	CCONJ
ajbmeb-606	43	9	investors	investor	NOUN
ajbmeb-606	43	10	because	because	SCONJ
ajbmeb-606	43	11	it	it	PRON
ajbmeb-606	43	12	allows	allow	VERB
ajbmeb-606	43	13	banks	bank	NOUN
ajbmeb-606	43	14	to	to	PART
ajbmeb-606	43	15	raise	raise	VERB
ajbmeb-606	43	16	additional	additional	ADJ
ajbmeb-606	43	17	capital	capital	NOUN
ajbmeb-606	43	18	and	and	CCONJ
ajbmeb-606	43	19	investors	investor	NOUN
ajbmeb-606	43	20	to	to	PART
ajbmeb-606	43	21	earn	earn	VERB
ajbmeb-606	43	22	returns	return	NOUN
ajbmeb-606	43	23	from	from	ADP
ajbmeb-606	43	24	asset	asset	NOUN
ajbmeb-606	43	25	income	income	NOUN
ajbmeb-606	43	26	streams	stream	NOUN
ajbmeb-606	43	27	.	.	PUNCT
ajbmeb-606	44	1	however	however	ADV
ajbmeb-606	44	2	,	,	PUNCT
ajbmeb-606	44	3	this	this	DET
ajbmeb-606	44	4	process	process	NOUN
ajbmeb-606	44	5	may	may	AUX
ajbmeb-606	44	6	also	also	ADV
ajbmeb-606	44	7	present	present	VERB
ajbmeb-606	44	8	certain	certain	ADJ
ajbmeb-606	44	9	risks	risk	NOUN
ajbmeb-606	44	10	associated	associate	VERB
ajbmeb-606	44	11	with	with	ADP
ajbmeb-606	44	12	credit	credit	NOUN
ajbmeb-606	44	13	risk	risk	NOUN
ajbmeb-606	44	14	and	and	CCONJ
ajbmeb-606	44	15	securities	security	NOUN
ajbmeb-606	44	16	market	market	NOUN
ajbmeb-606	44	17	fluctuations	fluctuation	NOUN
ajbmeb-606	44	18	.	.	PUNCT
ajbmeb-606	45	1	⎯	⎯	PROPN
ajbmeb-606	45	2	development	development	NOUN
ajbmeb-606	45	3	of	of	ADP
ajbmeb-606	45	4	shadow	shadow	PROPN
ajbmeb-606	45	5	banks	bank	NOUN
ajbmeb-606	45	6	shadow	shadow	VERB
ajbmeb-606	45	7	banks	bank	NOUN
ajbmeb-606	45	8	are	be	AUX
ajbmeb-606	45	9	financial	financial	ADJ
ajbmeb-606	45	10	institutions	institution	NOUN
ajbmeb-606	45	11	that	that	PRON
ajbmeb-606	45	12	do	do	AUX
ajbmeb-606	45	13	not	not	PART
ajbmeb-606	45	14	have	have	VERB
ajbmeb-606	45	15	an	an	DET
ajbmeb-606	45	16	official	official	ADJ
ajbmeb-606	45	17	banking	banking	NOUN
ajbmeb-606	45	18	license	license	NOUN
ajbmeb-606	45	19	but	but	CCONJ
ajbmeb-606	45	20	provide	provide	VERB
ajbmeb-606	45	21	similar	similar	ADJ
ajbmeb-606	45	22	services	service	NOUN
ajbmeb-606	45	23	.	.	PUNCT
ajbmeb-606	46	1	shadow	shadow	NOUN
ajbmeb-606	46	2	banks	bank	NOUN
ajbmeb-606	46	3	can	can	AUX
ajbmeb-606	46	4	be	be	AUX
ajbmeb-606	46	5	created	create	VERB
ajbmeb-606	46	6	both	both	CCONJ
ajbmeb-606	46	7	within	within	ADP
ajbmeb-606	46	8	the	the	DET
ajbmeb-606	46	9	country	country	NOUN
ajbmeb-606	46	10	and	and	CCONJ
ajbmeb-606	46	11	abroad	abroad	ADV
ajbmeb-606	46	12	,	,	PUNCT
ajbmeb-606	46	13	and	and	CCONJ
ajbmeb-606	46	14	their	their	PRON
ajbmeb-606	46	15	activities	activity	NOUN
ajbmeb-606	46	16	are	be	AUX
ajbmeb-606	46	17	often	often	ADV
ajbmeb-606	46	18	associated	associate	VERB
ajbmeb-606	46	19	with	with	ADP
ajbmeb-606	46	20	international	international	ADJ
ajbmeb-606	46	21	financial	financial	ADJ
ajbmeb-606	46	22	turnover	turnover	NOUN
ajbmeb-606	46	23	.	.	PUNCT
ajbmeb-606	47	1	recently	recently	ADV
ajbmeb-606	47	2	,	,	PUNCT
ajbmeb-606	47	3	there	there	PRON
ajbmeb-606	47	4	has	have	AUX
ajbmeb-606	47	5	been	be	AUX
ajbmeb-606	47	6	an	an	DET
ajbmeb-606	47	7	accelerated	accelerated	ADJ
ajbmeb-606	47	8	development	development	NOUN
ajbmeb-606	47	9	of	of	ADP
ajbmeb-606	47	10	shadow	shadow	NOUN
ajbmeb-606	47	11	banks	bank	NOUN
ajbmeb-606	47	12	,	,	PUNCT
ajbmeb-606	47	13	which	which	PRON
ajbmeb-606	47	14	raises	raise	VERB
ajbmeb-606	47	15	concerns	concern	NOUN
ajbmeb-606	47	16	about	about	ADP
ajbmeb-606	47	17	the	the	DET
ajbmeb-606	47	18	stability	stability	NOUN
ajbmeb-606	47	19	of	of	ADP
ajbmeb-606	47	20	the	the	DET
ajbmeb-606	47	21	financial	financial	ADJ
ajbmeb-606	47	22	system	system	NOUN
ajbmeb-606	47	23	.	.	PUNCT
ajbmeb-606	48	1	the	the	DET
ajbmeb-606	48	2	most	most	ADV
ajbmeb-606	48	3	important	important	ADJ
ajbmeb-606	48	4	task	task	NOUN
ajbmeb-606	48	5	of	of	ADP
ajbmeb-606	48	6	the	the	DET
ajbmeb-606	48	7	traditional	traditional	ADJ
ajbmeb-606	48	8	banking	banking	NOUN
ajbmeb-606	48	9	sector	sector	NOUN
ajbmeb-606	48	10	,	,	PUNCT
ajbmeb-606	48	11	i.e.	i.e.	X
ajbmeb-606	48	12	money	money	NOUN
ajbmeb-606	48	13	creation	creation	NOUN
ajbmeb-606	48	14	is	be	AUX
ajbmeb-606	48	15	not	not	PART
ajbmeb-606	48	16	part	part	NOUN
ajbmeb-606	48	17	of	of	ADP
ajbmeb-606	48	18	the	the	DET
ajbmeb-606	48	19	services	service	NOUN
ajbmeb-606	48	20	provided	provide	VERB
ajbmeb-606	48	21	by	by	ADP
ajbmeb-606	48	22	shadow	shadow	NOUN
ajbmeb-606	48	23	banking	banking	NOUN
ajbmeb-606	48	24	.	.	PUNCT
ajbmeb-606	49	1	shadow	shadow	PROPN
ajbmeb-606	49	2	banking	banking	NOUN
ajbmeb-606	49	3	is	be	AUX
ajbmeb-606	49	4	about	about	ADP
ajbmeb-606	49	5	helping	helping	AUX
ajbmeb-606	49	6	create	create	VERB
ajbmeb-606	49	7	money	money	NOUN
ajbmeb-606	49	8	by	by	ADP
ajbmeb-606	49	9	providing	provide	VERB
ajbmeb-606	49	10	funding	funding	NOUN
ajbmeb-606	49	11	to	to	ADP
ajbmeb-606	49	12	the	the	DET
ajbmeb-606	49	13	traditional	traditional	ADJ
ajbmeb-606	49	14	banking	banking	NOUN
ajbmeb-606	49	15	sector	sector	NOUN
ajbmeb-606	49	16	.	.	PUNCT
ajbmeb-606	50	1	⎯	⎯	PROPN
ajbmeb-606	50	2	increase	increase	NOUN
ajbmeb-606	50	3	in	in	ADP
ajbmeb-606	50	4	the	the	DET
ajbmeb-606	50	5	share	share	NOUN
ajbmeb-606	50	6	of	of	ADP
ajbmeb-606	50	7	non	non	ADJ
ajbmeb-606	50	8	-	-	ADJ
ajbmeb-606	50	9	cash	cash	ADJ
ajbmeb-606	50	10	payments	payment	NOUN
ajbmeb-606	50	11	among	among	ADP
ajbmeb-606	50	12	the	the	DET
ajbmeb-606	50	13	main	main	ADJ
ajbmeb-606	50	14	advantages	advantage	NOUN
ajbmeb-606	50	15	,	,	PUNCT
ajbmeb-606	50	16	one	one	PRON
ajbmeb-606	50	17	can	can	AUX
ajbmeb-606	50	18	note	note	VERB
ajbmeb-606	50	19	an	an	DET
ajbmeb-606	50	20	increase	increase	NOUN
ajbmeb-606	50	21	in	in	ADP
ajbmeb-606	50	22	the	the	DET
ajbmeb-606	50	23	speed	speed	NOUN
ajbmeb-606	50	24	and	and	CCONJ
ajbmeb-606	50	25	convenience	convenience	NOUN
ajbmeb-606	50	26	of	of	ADP
ajbmeb-606	50	27	transactions	transaction	NOUN
ajbmeb-606	50	28	,	,	PUNCT
ajbmeb-606	50	29	which	which	PRON
ajbmeb-606	50	30	can	can	AUX
ajbmeb-606	50	31	improve	improve	VERB
ajbmeb-606	50	32	the	the	DET
ajbmeb-606	50	33	quality	quality	NOUN
ajbmeb-606	50	34	of	of	ADP
ajbmeb-606	50	35	customer	customer	NOUN
ajbmeb-606	50	36	service	service	NOUN
ajbmeb-606	50	37	and	and	CCONJ
ajbmeb-606	50	38	increase	increase	VERB
ajbmeb-606	50	39	the	the	DET
ajbmeb-606	50	40	efficiency	efficiency	NOUN
ajbmeb-606	50	41	of	of	ADP
ajbmeb-606	50	42	the	the	DET
ajbmeb-606	50	43	bank	bank	NOUN
ajbmeb-606	50	44	.	.	PUNCT
ajbmeb-606	51	1	greater	great	ADJ
ajbmeb-606	51	2	use	use	NOUN
ajbmeb-606	51	3	of	of	ADP
ajbmeb-606	51	4	cashless	cashless	NOUN
ajbmeb-606	51	5	payments	payment	NOUN
ajbmeb-606	51	6	can	can	AUX
ajbmeb-606	51	7	also	also	ADV
ajbmeb-606	51	8	reduce	reduce	VERB
ajbmeb-606	51	9	the	the	DET
ajbmeb-606	51	10	costs	cost	NOUN
ajbmeb-606	51	11	of	of	ADP
ajbmeb-606	51	12	handling	handle	VERB
ajbmeb-606	51	13	and	and	CCONJ
ajbmeb-606	51	14	storing	store	VERB
ajbmeb-606	51	15	cash	cash	NOUN
ajbmeb-606	51	16	.	.	PUNCT
ajbmeb-606	52	1	however	however	ADV
ajbmeb-606	52	2	,	,	PUNCT
ajbmeb-606	52	3	an	an	DET
ajbmeb-606	52	4	increase	increase	NOUN
ajbmeb-606	52	5	in	in	ADP
ajbmeb-606	52	6	the	the	DET
ajbmeb-606	52	7	volume	volume	NOUN
ajbmeb-606	52	8	of	of	ADP
ajbmeb-606	52	9	online	online	ADJ
ajbmeb-606	52	10	transactions	transaction	NOUN
ajbmeb-606	52	11	can	can	AUX
ajbmeb-606	52	12	also	also	ADV
ajbmeb-606	52	13	increase	increase	VERB
ajbmeb-606	52	14	the	the	DET
ajbmeb-606	52	15	risks	risk	NOUN
ajbmeb-606	52	16	associated	associate	VERB
ajbmeb-606	52	17	with	with	ADP
ajbmeb-606	52	18	cybersecurity	cybersecurity	NOUN
ajbmeb-606	52	19	,	,	PUNCT
ajbmeb-606	52	20	as	as	SCONJ
ajbmeb-606	52	21	there	there	PRON
ajbmeb-606	52	22	is	be	VERB
ajbmeb-606	52	23	a	a	DET
ajbmeb-606	52	24	possibility	possibility	NOUN
ajbmeb-606	52	25	of	of	ADP
ajbmeb-606	52	26	hacker	hacker	NOUN
ajbmeb-606	52	27	attacks	attack	NOUN
ajbmeb-606	52	28	on	on	ADP
ajbmeb-606	52	29	banking	banking	NOUN
ajbmeb-606	52	30	systems	system	NOUN
ajbmeb-606	52	31	and	and	CCONJ
ajbmeb-606	52	32	customer	customer	NOUN
ajbmeb-606	52	33	computers	computer	NOUN
ajbmeb-606	52	34	.	.	PUNCT
ajbmeb-606	53	1	therefore	therefore	ADV
ajbmeb-606	53	2	,	,	PUNCT
ajbmeb-606	53	3	banks	bank	NOUN
ajbmeb-606	53	4	must	must	AUX
ajbmeb-606	53	5	pay	pay	VERB
ajbmeb-606	53	6	great	great	ADJ
ajbmeb-606	53	7	attention	attention	NOUN
ajbmeb-606	53	8	to	to	ADP
ajbmeb-606	53	9	protecting	protect	VERB
ajbmeb-606	53	10	their	their	PRON
ajbmeb-606	53	11	systems	system	NOUN
ajbmeb-606	53	12	and	and	CCONJ
ajbmeb-606	53	13	customer	customer	NOUN
ajbmeb-606	53	14	data	datum	NOUN
ajbmeb-606	53	15	.	.	PUNCT
ajbmeb-606	54	1	⎯	⎯	PROPN
ajbmeb-606	54	2	digital	digital	ADJ
ajbmeb-606	54	3	banks	bank	NOUN
ajbmeb-606	54	4	and	and	CCONJ
ajbmeb-606	54	5	electronic	electronic	ADJ
ajbmeb-606	54	6	money	money	NOUN
ajbmeb-606	54	7	these	these	PRON
ajbmeb-606	54	8	are	be	AUX
ajbmeb-606	54	9	important	important	ADJ
ajbmeb-606	54	10	trends	trend	NOUN
ajbmeb-606	54	11	in	in	ADP
ajbmeb-606	54	12	the	the	DET
ajbmeb-606	54	13	modern	modern	ADJ
ajbmeb-606	54	14	banking	banking	NOUN
ajbmeb-606	54	15	system	system	NOUN
ajbmeb-606	54	16	.	.	PUNCT
ajbmeb-606	55	1	recently	recently	ADV
ajbmeb-606	55	2	,	,	PUNCT
ajbmeb-606	55	3	we	we	PRON
ajbmeb-606	55	4	have	have	AUX
ajbmeb-606	55	5	seen	see	VERB
ajbmeb-606	55	6	a	a	DET
ajbmeb-606	55	7	rapid	rapid	ADJ
ajbmeb-606	55	8	increase	increase	NOUN
ajbmeb-606	55	9	in	in	ADP
ajbmeb-606	55	10	the	the	DET
ajbmeb-606	55	11	use	use	NOUN
ajbmeb-606	55	12	of	of	ADP
ajbmeb-606	55	13	digital	digital	ADJ
ajbmeb-606	55	14	technologies	technology	NOUN
ajbmeb-606	55	15	in	in	ADP
ajbmeb-606	55	16	the	the	DET
ajbmeb-606	55	17	banking	banking	NOUN
ajbmeb-606	55	18	sector	sector	NOUN
ajbmeb-606	55	19	,	,	PUNCT
ajbmeb-606	55	20	which	which	PRON
ajbmeb-606	55	21	is	be	AUX
ajbmeb-606	55	22	associated	associate	VERB
ajbmeb-606	55	23	with	with	ADP
ajbmeb-606	55	24	an	an	DET
ajbmeb-606	55	25	increase	increase	NOUN
ajbmeb-606	55	26	in	in	ADP
ajbmeb-606	55	27	the	the	DET
ajbmeb-606	55	28	number	number	NOUN
ajbmeb-606	55	29	of	of	ADP
ajbmeb-606	55	30	customers	customer	NOUN
ajbmeb-606	55	31	who	who	PRON
ajbmeb-606	55	32	prefer	prefer	VERB
ajbmeb-606	55	33	online	online	ADJ
ajbmeb-606	55	34	banking	banking	NOUN
ajbmeb-606	55	35	and	and	CCONJ
ajbmeb-606	55	36	mobile	mobile	ADJ
ajbmeb-606	55	37	applications	application	NOUN
ajbmeb-606	55	38	.	.	PUNCT
ajbmeb-606	56	1	digital	digital	ADJ
ajbmeb-606	56	2	banks	bank	NOUN
ajbmeb-606	56	3	are	be	AUX
ajbmeb-606	56	4	banks	bank	NOUN
ajbmeb-606	56	5	that	that	PRON
ajbmeb-606	56	6	are	be	AUX
ajbmeb-606	56	7	based	base	VERB
ajbmeb-606	56	8	on	on	ADP
ajbmeb-606	56	9	digital	digital	ADJ
ajbmeb-606	56	10	technologies	technology	NOUN
ajbmeb-606	56	11	and	and	CCONJ
ajbmeb-606	56	12	offer	offer	VERB
ajbmeb-606	56	13	fully	fully	ADV
ajbmeb-606	56	14	digital	digital	ADJ
ajbmeb-606	56	15	services	service	NOUN
ajbmeb-606	56	16	to	to	ADP
ajbmeb-606	56	17	their	their	PRON
ajbmeb-606	56	18	customers	customer	NOUN
ajbmeb-606	56	19	.	.	PUNCT
ajbmeb-606	57	1	these	these	DET
ajbmeb-606	57	2	banks	bank	NOUN
ajbmeb-606	57	3	often	often	ADV
ajbmeb-606	57	4	do	do	AUX
ajbmeb-606	57	5	not	not	PART
ajbmeb-606	57	6	have	have	VERB
ajbmeb-606	57	7	traditional	traditional	ADJ
ajbmeb-606	57	8	branches	branch	NOUN
ajbmeb-606	57	9	and	and	CCONJ
ajbmeb-606	57	10	operate	operate	VERB
ajbmeb-606	57	11	exclusively	exclusively	ADV
ajbmeb-606	57	12	through	through	ADP
ajbmeb-606	57	13	online	online	ADJ
ajbmeb-606	57	14	platforms	platform	NOUN
ajbmeb-606	57	15	.	.	PUNCT
ajbmeb-606	58	1	they	they	PRON
ajbmeb-606	58	2	offer	offer	VERB
ajbmeb-606	58	3	a	a	DET
ajbmeb-606	58	4	wide	wide	ADJ
ajbmeb-606	58	5	range	range	NOUN
ajbmeb-606	58	6	of	of	ADP
ajbmeb-606	58	7	financial	financial	ADJ
ajbmeb-606	58	8	services	service	NOUN
ajbmeb-606	58	9	including	include	VERB
ajbmeb-606	58	10	savings	saving	NOUN
ajbmeb-606	58	11	accounts	account	NOUN
ajbmeb-606	58	12	,	,	PUNCT
ajbmeb-606	58	13	loans	loan	NOUN
ajbmeb-606	58	14	,	,	PUNCT
ajbmeb-606	58	15	investments	investment	NOUN
ajbmeb-606	58	16	and	and	CCONJ
ajbmeb-606	58	17	insurance	insurance	NOUN
ajbmeb-606	58	18	.	.	PUNCT
ajbmeb-606	59	1	electronic	electronic	ADJ
ajbmeb-606	59	2	money	money	NOUN
ajbmeb-606	59	3	is	be	AUX
ajbmeb-606	59	4	digital	digital	ADJ
ajbmeb-606	59	5	money	money	NOUN
ajbmeb-606	59	6	that	that	PRON
ajbmeb-606	59	7	is	be	AUX
ajbmeb-606	59	8	stored	store	VERB
ajbmeb-606	59	9	on	on	ADP
ajbmeb-606	59	10	electronic	electronic	ADJ
ajbmeb-606	59	11	devices	device	NOUN
ajbmeb-606	59	12	and	and	CCONJ
ajbmeb-606	59	13	used	use	VERB
ajbmeb-606	59	14	to	to	PART
ajbmeb-606	59	15	make	make	VERB
ajbmeb-606	59	16	payments	payment	NOUN
ajbmeb-606	59	17	.	.	PUNCT
ajbmeb-606	60	1	they	they	PRON
ajbmeb-606	60	2	may	may	AUX
ajbmeb-606	60	3	be	be	AUX
ajbmeb-606	60	4	linked	link	VERB
ajbmeb-606	60	5	to	to	ADP
ajbmeb-606	60	6	bank	bank	NOUN
ajbmeb-606	60	7	accounts	account	NOUN
ajbmeb-606	60	8	or	or	CCONJ
ajbmeb-606	60	9	exist	exist	VERB
ajbmeb-606	60	10	as	as	ADP
ajbmeb-606	60	11	independent	independent	ADJ
ajbmeb-606	60	12	funds	fund	NOUN
ajbmeb-606	60	13	.	.	PUNCT
ajbmeb-606	61	1	electronic	electronic	ADJ
ajbmeb-606	61	2	money	money	NOUN
ajbmeb-606	61	3	provides	provide	VERB
ajbmeb-606	61	4	customers	customer	NOUN
ajbmeb-606	61	5	with	with	ADP
ajbmeb-606	61	6	a	a	DET
ajbmeb-606	61	7	convenient	convenient	ADJ
ajbmeb-606	61	8	way	way	NOUN
ajbmeb-606	61	9	to	to	PART
ajbmeb-606	61	10	make	make	VERB
ajbmeb-606	61	11	payments	payment	NOUN
ajbmeb-606	61	12	without	without	ADP
ajbmeb-606	61	13	the	the	DET
ajbmeb-606	61	14	need	need	NOUN
ajbmeb-606	61	15	for	for	ADP
ajbmeb-606	61	16	cash	cash	NOUN
ajbmeb-606	61	17	or	or	CCONJ
ajbmeb-606	61	18	plastic	plastic	ADJ
ajbmeb-606	61	19	cards	card	NOUN
ajbmeb-606	61	20	.	.	PUNCT
ajbmeb-606	62	1	⎯	⎯	PROPN
ajbmeb-606	62	2	rise	rise	VERB
ajbmeb-606	62	3	in	in	ADP
ajbmeb-606	62	4	the	the	DET
ajbmeb-606	62	5	popularity	popularity	NOUN
ajbmeb-606	62	6	of	of	ADP
ajbmeb-606	62	7	cryptocurrencies	cryptocurrencie	NOUN
ajbmeb-606	62	8	cryptocurrency	cryptocurrency	NOUN
ajbmeb-606	62	9	is	be	AUX
ajbmeb-606	62	10	a	a	DET
ajbmeb-606	62	11	digital	digital	ADJ
ajbmeb-606	62	12	currency	currency	NOUN
ajbmeb-606	62	13	created	create	VERB
ajbmeb-606	62	14	on	on	ADP
ajbmeb-606	62	15	the	the	DET
ajbmeb-606	62	16	basis	basis	NOUN
ajbmeb-606	62	17	of	of	ADP
ajbmeb-606	62	18	blockchain	blockchain	PROPN
ajbmeb-606	62	19	technology	technology	PROPN
ajbmeb-606	62	20	.	.	PUNCT
ajbmeb-606	63	1	it	it	PRON
ajbmeb-606	63	2	is	be	AUX
ajbmeb-606	63	3	used	use	VERB
ajbmeb-606	63	4	as	as	ADP
ajbmeb-606	63	5	a	a	DET
ajbmeb-606	63	6	means	means	NOUN
ajbmeb-606	63	7	of	of	ADP
ajbmeb-606	63	8	exchange	exchange	NOUN
ajbmeb-606	63	9	,	,	PUNCT
ajbmeb-606	63	10	storage	storage	NOUN
ajbmeb-606	63	11	and	and	CCONJ
ajbmeb-606	63	12	accumulation	accumulation	NOUN
ajbmeb-606	63	13	of	of	ADP
ajbmeb-606	63	14	value	value	NOUN
ajbmeb-606	63	15	on	on	ADP
ajbmeb-606	63	16	the	the	DET
ajbmeb-606	63	17	internet	internet	NOUN
ajbmeb-606	63	18	.	.	PUNCT
ajbmeb-606	64	1	cryptocurrencies	cryptocurrencie	NOUN
ajbmeb-606	64	2	are	be	AUX
ajbmeb-606	64	3	not	not	PART
ajbmeb-606	64	4	controlled	control	VERB
ajbmeb-606	64	5	by	by	ADP
ajbmeb-606	64	6	central	central	ADJ
ajbmeb-606	64	7	banks	bank	NOUN
ajbmeb-606	64	8	or	or	CCONJ
ajbmeb-606	64	9	states	state	NOUN
ajbmeb-606	64	10	,	,	PUNCT
ajbmeb-606	64	11	which	which	PRON
ajbmeb-606	64	12	ensures	ensure	VERB
ajbmeb-606	64	13	their	their	PRON
ajbmeb-606	64	14	decentralization	decentralization	NOUN
ajbmeb-606	64	15	and	and	CCONJ
ajbmeb-606	64	16	independence	independence	NOUN
ajbmeb-606	64	17	.	.	PUNCT
ajbmeb-606	65	1	but	but	CCONJ
ajbmeb-606	65	2	american	american	ADJ
ajbmeb-606	65	3	journal	journal	PROPN
ajbmeb-606	65	4	of	of	ADP
ajbmeb-606	65	5	business	business	NOUN
ajbmeb-606	65	6	management	management	NOUN
ajbmeb-606	65	7	,	,	PUNCT
ajbmeb-606	65	8	economics	economic	NOUN
ajbmeb-606	65	9	and	and	CCONJ
ajbmeb-606	65	10	banking	banking	NOUN
ajbmeb-606	65	11	volume	volume	NOUN
ajbmeb-606	65	12	11	11	NUM
ajbmeb-606	65	13	april	april	PROPN
ajbmeb-606	65	14	,	,	PUNCT
ajbmeb-606	65	15	2023	2023	NUM
ajbmeb-606	65	16	p	p	NOUN
ajbmeb-606	65	17	a	a	DET
ajbmeb-606	65	18	g	g	NOUN
ajbmeb-606	65	19	e	e	NOUN
ajbmeb-606	65	20	|	|	NOUN
ajbmeb-606	65	21	53	53	NUM
ajbmeb-606	65	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-606	65	23	because	because	SCONJ
ajbmeb-606	65	24	of	of	ADP
ajbmeb-606	65	25	this	this	PRON
ajbmeb-606	65	26	,	,	PUNCT
ajbmeb-606	65	27	the	the	DET
ajbmeb-606	65	28	attitude	attitude	NOUN
ajbmeb-606	65	29	to	to	ADP
ajbmeb-606	65	30	this	this	DET
ajbmeb-606	65	31	phenomenon	phenomenon	NOUN
ajbmeb-606	65	32	in	in	ADP
ajbmeb-606	65	33	the	the	DET
ajbmeb-606	65	34	banking	banking	NOUN
ajbmeb-606	65	35	system	system	NOUN
ajbmeb-606	65	36	differs	differ	VERB
ajbmeb-606	65	37	in	in	ADP
ajbmeb-606	65	38	all	all	DET
ajbmeb-606	65	39	countries	country	NOUN
ajbmeb-606	65	40	,	,	PUNCT
ajbmeb-606	65	41	for	for	ADP
ajbmeb-606	65	42	example	example	NOUN
ajbmeb-606	65	43	,	,	PUNCT
ajbmeb-606	65	44	in	in	ADP
ajbmeb-606	65	45	the	the	DET
ajbmeb-606	65	46	united	united	PROPN
ajbmeb-606	65	47	states	states	PROPN
ajbmeb-606	65	48	,	,	PUNCT
ajbmeb-606	65	49	cryptocurrency	cryptocurrency	NOUN
ajbmeb-606	65	50	is	be	AUX
ajbmeb-606	65	51	legalized	legalize	VERB
ajbmeb-606	65	52	,	,	PUNCT
ajbmeb-606	65	53	in	in	ADP
ajbmeb-606	65	54	some	some	DET
ajbmeb-606	65	55	countries	country	NOUN
ajbmeb-606	65	56	of	of	ADP
ajbmeb-606	65	57	the	the	DET
ajbmeb-606	65	58	european	european	PROPN
ajbmeb-606	65	59	union	union	PROPN
ajbmeb-606	65	60	,	,	PUNCT
ajbmeb-606	65	61	restrictions	restriction	NOUN
ajbmeb-606	65	62	are	be	AUX
ajbmeb-606	65	63	applied	apply	VERB
ajbmeb-606	65	64	to	to	ADP
ajbmeb-606	65	65	it	it	PRON
ajbmeb-606	65	66	,	,	PUNCT
ajbmeb-606	65	67	and	and	CCONJ
ajbmeb-606	65	68	some	some	DET
ajbmeb-606	65	69	countries	country	NOUN
ajbmeb-606	65	70	,	,	PUNCT
ajbmeb-606	65	71	like	like	ADP
ajbmeb-606	65	72	turkmenistan	turkmenistan	PROPN
ajbmeb-606	65	73	,	,	PUNCT
ajbmeb-606	65	74	have	have	AUX
ajbmeb-606	65	75	completely	completely	ADV
ajbmeb-606	65	76	banned	ban	VERB
ajbmeb-606	65	77	the	the	DET
ajbmeb-606	65	78	use	use	NOUN
ajbmeb-606	65	79	of	of	ADP
ajbmeb-606	65	80	this	this	DET
ajbmeb-606	65	81	object	object	NOUN
ajbmeb-606	65	82	.	.	PUNCT
ajbmeb-606	66	1	conclusion	conclusion	NOUN
ajbmeb-606	66	2	so	so	ADV
ajbmeb-606	66	3	,	,	PUNCT
ajbmeb-606	66	4	it	it	PRON
ajbmeb-606	66	5	should	should	AUX
ajbmeb-606	66	6	be	be	AUX
ajbmeb-606	66	7	noted	note	VERB
ajbmeb-606	66	8	that	that	SCONJ
ajbmeb-606	66	9	at	at	ADP
ajbmeb-606	66	10	present	present	NOUN
ajbmeb-606	66	11	,	,	PUNCT
ajbmeb-606	66	12	in	in	ADP
ajbmeb-606	66	13	the	the	DET
ajbmeb-606	66	14	context	context	NOUN
ajbmeb-606	66	15	of	of	ADP
ajbmeb-606	66	16	rapidly	rapidly	ADV
ajbmeb-606	66	17	changing	change	VERB
ajbmeb-606	66	18	economic	economic	ADJ
ajbmeb-606	66	19	realities	reality	NOUN
ajbmeb-606	66	20	,	,	PUNCT
ajbmeb-606	66	21	the	the	DET
ajbmeb-606	66	22	development	development	NOUN
ajbmeb-606	66	23	of	of	ADP
ajbmeb-606	66	24	the	the	DET
ajbmeb-606	66	25	banking	banking	NOUN
ajbmeb-606	66	26	system	system	NOUN
ajbmeb-606	66	27	is	be	AUX
ajbmeb-606	66	28	becoming	become	VERB
ajbmeb-606	66	29	an	an	DET
ajbmeb-606	66	30	increasingly	increasingly	ADV
ajbmeb-606	66	31	urgent	urgent	ADJ
ajbmeb-606	66	32	problem	problem	NOUN
ajbmeb-606	66	33	.	.	PUNCT
ajbmeb-606	67	1	at	at	ADP
ajbmeb-606	67	2	the	the	DET
ajbmeb-606	67	3	same	same	ADJ
ajbmeb-606	67	4	time	time	NOUN
ajbmeb-606	67	5	,	,	PUNCT
ajbmeb-606	67	6	it	it	PRON
ajbmeb-606	67	7	is	be	AUX
ajbmeb-606	67	8	important	important	ADJ
ajbmeb-606	67	9	to	to	PART
ajbmeb-606	67	10	take	take	VERB
ajbmeb-606	67	11	into	into	ADP
ajbmeb-606	67	12	account	account	NOUN
ajbmeb-606	67	13	foreign	foreign	ADJ
ajbmeb-606	67	14	experience	experience	NOUN
ajbmeb-606	67	15	and	and	CCONJ
ajbmeb-606	67	16	the	the	DET
ajbmeb-606	67	17	latest	late	ADJ
ajbmeb-606	67	18	trends	trend	NOUN
ajbmeb-606	67	19	in	in	ADP
ajbmeb-606	67	20	this	this	DET
ajbmeb-606	67	21	area	area	NOUN
ajbmeb-606	67	22	.	.	PUNCT
ajbmeb-606	68	1	an	an	DET
ajbmeb-606	68	2	analysis	analysis	NOUN
ajbmeb-606	68	3	of	of	ADP
ajbmeb-606	68	4	foreign	foreign	ADJ
ajbmeb-606	68	5	experience	experience	NOUN
ajbmeb-606	68	6	shows	show	VERB
ajbmeb-606	68	7	that	that	SCONJ
ajbmeb-606	68	8	the	the	DET
ajbmeb-606	68	9	successful	successful	ADJ
ajbmeb-606	68	10	development	development	NOUN
ajbmeb-606	68	11	of	of	ADP
ajbmeb-606	68	12	the	the	DET
ajbmeb-606	68	13	banking	banking	NOUN
ajbmeb-606	68	14	system	system	NOUN
ajbmeb-606	68	15	is	be	AUX
ajbmeb-606	68	16	possible	possible	ADJ
ajbmeb-606	68	17	only	only	ADV
ajbmeb-606	68	18	if	if	SCONJ
ajbmeb-606	68	19	the	the	DET
ajbmeb-606	68	20	state	state	NOUN
ajbmeb-606	68	21	and	and	CCONJ
ajbmeb-606	68	22	the	the	DET
ajbmeb-606	68	23	business	business	NOUN
ajbmeb-606	68	24	community	community	NOUN
ajbmeb-606	68	25	work	work	VERB
ajbmeb-606	68	26	together	together	ADV
ajbmeb-606	68	27	,	,	PUNCT
ajbmeb-606	68	28	establishing	establish	VERB
ajbmeb-606	68	29	effective	effective	ADJ
ajbmeb-606	68	30	interaction	interaction	NOUN
ajbmeb-606	68	31	.	.	PUNCT
ajbmeb-606	69	1	the	the	DET
ajbmeb-606	69	2	key	key	ADJ
ajbmeb-606	69	3	principles	principle	NOUN
ajbmeb-606	69	4	that	that	PRON
ajbmeb-606	69	5	should	should	AUX
ajbmeb-606	69	6	be	be	AUX
ajbmeb-606	69	7	the	the	DET
ajbmeb-606	69	8	basis	basis	NOUN
ajbmeb-606	69	9	for	for	ADP
ajbmeb-606	69	10	such	such	ADJ
ajbmeb-606	69	11	interaction	interaction	NOUN
ajbmeb-606	69	12	are	be	AUX
ajbmeb-606	69	13	transparency	transparency	NOUN
ajbmeb-606	69	14	and	and	CCONJ
ajbmeb-606	69	15	openness	openness	NOUN
ajbmeb-606	69	16	,	,	PUNCT
ajbmeb-606	69	17	as	as	ADV
ajbmeb-606	69	18	well	well	ADV
ajbmeb-606	69	19	as	as	ADP
ajbmeb-606	69	20	the	the	DET
ajbmeb-606	69	21	maximum	maximum	ADJ
ajbmeb-606	69	22	use	use	NOUN
ajbmeb-606	69	23	of	of	ADP
ajbmeb-606	69	24	modern	modern	ADJ
ajbmeb-606	69	25	technologies	technology	NOUN
ajbmeb-606	69	26	and	and	CCONJ
ajbmeb-606	69	27	best	good	ADJ
ajbmeb-606	69	28	practices	practice	NOUN
ajbmeb-606	69	29	.	.	PUNCT
ajbmeb-606	70	1	the	the	DET
ajbmeb-606	70	2	modernization	modernization	NOUN
ajbmeb-606	70	3	of	of	ADP
ajbmeb-606	70	4	the	the	DET
ajbmeb-606	70	5	banking	banking	NOUN
ajbmeb-606	70	6	system	system	NOUN
ajbmeb-606	70	7	stimulates	stimulate	VERB
ajbmeb-606	70	8	the	the	DET
ajbmeb-606	70	9	development	development	NOUN
ajbmeb-606	70	10	of	of	ADP
ajbmeb-606	70	11	the	the	DET
ajbmeb-606	70	12	economy	economy	NOUN
ajbmeb-606	70	13	and	and	CCONJ
ajbmeb-606	70	14	its	its	PRON
ajbmeb-606	70	15	growth	growth	NOUN
ajbmeb-606	70	16	based	base	VERB
ajbmeb-606	70	17	on	on	ADP
ajbmeb-606	70	18	internal	internal	ADJ
ajbmeb-606	70	19	stabilization	stabilization	NOUN
ajbmeb-606	70	20	and	and	CCONJ
ajbmeb-606	70	21	development	development	NOUN
ajbmeb-606	70	22	systems	system	NOUN
ajbmeb-606	70	23	,	,	PUNCT
ajbmeb-606	70	24	which	which	PRON
ajbmeb-606	70	25	is	be	AUX
ajbmeb-606	70	26	especially	especially	ADV
ajbmeb-606	70	27	important	important	ADJ
ajbmeb-606	70	28	in	in	ADP
ajbmeb-606	70	29	the	the	DET
ajbmeb-606	70	30	context	context	NOUN
ajbmeb-606	70	31	of	of	ADP
ajbmeb-606	70	32	global	global	ADJ
ajbmeb-606	70	33	integration	integration	NOUN
ajbmeb-606	70	34	and	and	CCONJ
ajbmeb-606	70	35	instability	instability	NOUN
ajbmeb-606	70	36	.	.	PUNCT
ajbmeb-606	71	1	list	list	NOUN
ajbmeb-606	71	2	of	of	ADP
ajbmeb-606	71	3	literature	literature	NOUN
ajbmeb-606	71	4	1	1	NUM
ajbmeb-606	71	5	.	.	PUNCT
ajbmeb-606	72	1	usoskin	usoskin	PROPN
ajbmeb-606	72	2	v.m	v.m	PROPN
ajbmeb-606	72	3	.	.	PROPN
ajbmeb-606	72	4	modern	modern	ADJ
ajbmeb-606	72	5	commercial	commercial	ADJ
ajbmeb-606	72	6	bank	bank	NOUN
ajbmeb-606	72	7	:	:	PUNCT
ajbmeb-606	72	8	management	management	NOUN
ajbmeb-606	72	9	and	and	CCONJ
ajbmeb-606	72	10	operations	operation	NOUN
ajbmeb-606	72	11	.	.	PUNCT
ajbmeb-606	73	1	m.	m.	NOUN
ajbmeb-606	73	2	:	:	PUNCT
ajbmeb-606	73	3	ipts	ipt	NOUN
ajbmeb-606	73	4	"	"	PUNCT
ajbmeb-606	73	5	vazar	vazar	PROPN
ajbmeb-606	73	6	-ferro	-ferro	PROPN
ajbmeb-606	73	7	"	"	PUNCT
ajbmeb-606	73	8	,	,	PUNCT
ajbmeb-606	73	9	1994	1994	NUM
ajbmeb-606	73	10	.	.	PUNCT
ajbmeb-606	74	1	320	320	NUM
ajbmeb-606	74	2	p.	p.	NOUN
ajbmeb-606	74	3	2	2	NUM
ajbmeb-606	74	4	.	.	PUNCT
ajbmeb-606	74	5	levine	levine	PROPN
ajbmeb-606	74	6	,	,	PUNCT
ajbmeb-606	74	7	r.	r.	PROPN
ajbmeb-606	74	8	(	(	PUNCT
ajbmeb-606	74	9	2003	2003	NUM
ajbmeb-606	74	10	)	)	PUNCT
ajbmeb-606	74	11	.	.	PUNCT
ajbmeb-606	75	1	more	more	ADJ
ajbmeb-606	75	2	on	on	ADP
ajbmeb-606	75	3	finance	finance	NOUN
ajbmeb-606	75	4	and	and	CCONJ
ajbmeb-606	75	5	growth	growth	NOUN
ajbmeb-606	75	6	:	:	PUNCT
ajbmeb-606	75	7	more	more	ADJ
ajbmeb-606	75	8	finance	finance	NOUN
ajbmeb-606	75	9	,	,	PUNCT
ajbmeb-606	75	10	more	more	ADJ
ajbmeb-606	75	11	growth	growth	NOUN
ajbmeb-606	75	12	?	?	PUNCT
ajbmeb-606	75	13	.	.	PUNCT
ajbmeb-606	76	1	federal	federal	PROPN
ajbmeb-606	76	2	reserve	reserve	PROPN
ajbmeb-606	76	3	bank	bank	PROPN
ajbmeb-606	76	4	of	of	ADP
ajbmeb-606	76	5	st	st	PROPN
ajbmeb-606	76	6	.	.	PROPN
ajbmeb-606	76	7	louis	louis	PROPN
ajbmeb-606	76	8	review	review	PROPN
ajbmeb-606	76	9	,	,	PUNCT
ajbmeb-606	76	10	85(4	85(4	NUM
ajbmeb-606	76	11	)	)	PUNCT
ajbmeb-606	76	12	pp.31	pp.31	NOUN
ajbmeb-606	76	13	-	-	PUNCT
ajbmeb-606	76	14	36	36	NUM
ajbmeb-606	76	15	3	3	NUM
ajbmeb-606	76	16	.	.	PUNCT
ajbmeb-606	77	1	obstfeld	obstfeld	VERB
ajbmeb-606	77	2	,	,	PUNCT
ajbmeb-606	77	3	m.	m.	NOUN
ajbmeb-606	77	4	(	(	PUNCT
ajbmeb-606	77	5	2015	2015	NUM
ajbmeb-606	77	6	)	)	PUNCT
ajbmeb-606	77	7	.	.	PUNCT
ajbmeb-606	78	1	trilemmas	trilemma	NOUN
ajbmeb-606	78	2	and	and	CCONJ
ajbmeb-606	78	3	trade	trade	NOUN
ajbmeb-606	78	4	-	-	PUNCT
ajbmeb-606	78	5	offs	off	NOUN
ajbmeb-606	78	6	:	:	PUNCT
ajbmeb-606	78	7	living	live	VERB
ajbmeb-606	78	8	with	with	ADP
ajbmeb-606	78	9	financial	financial	ADJ
ajbmeb-606	78	10	globalization	globalization	NOUN
ajbmeb-606	78	11	.	.	PUNCT
ajbmeb-606	79	1	international	international	ADJ
ajbmeb-606	79	2	finance	finance	NOUN
ajbmeb-606	79	3	,	,	PUNCT
ajbmeb-606	79	4	18(2	18(2	NUM
ajbmeb-606	79	5	)	)	PUNCT
ajbmeb-606	79	6	pp.261	pp.261	NOUN
ajbmeb-606	79	7	-	-	PUNCT
ajbmeb-606	79	8	273	273	NUM
ajbmeb-606	79	9	4	4	NUM
ajbmeb-606	79	10	.	.	PUNCT
ajbmeb-606	79	11	money	money	NOUN
ajbmeb-606	79	12	,	,	PUNCT
ajbmeb-606	79	13	credit	credit	NOUN
ajbmeb-606	79	14	,	,	PUNCT
ajbmeb-606	79	15	and	and	CCONJ
ajbmeb-606	79	16	crises	crisis	NOUN
ajbmeb-606	79	17	:	:	PUNCT
ajbmeb-606	79	18	understanding	understand	VERB
ajbmeb-606	79	19	the	the	DET
ajbmeb-606	79	20	modern	modern	ADJ
ajbmeb-606	79	21	banking	banking	NOUN
ajbmeb-606	79	22	system	system	NOUN
ajbmeb-606	79	23	/	/	SYM
ajbmeb-606	79	24	nektarios	nektario	NOUN
ajbmeb-606	79	25	michail	michail	ADJ
ajbmeb-606	79	26	/	/	SYM
ajbmeb-606	79	27	https://doi.org/10.1007/978-3-030-64384-3	https://doi.org/10.1007/978-3-030-64384-3	PROPN
ajbmeb-606	79	28	palgrave	palgrave	PROPN
ajbmeb-606	79	29	macmillan	macmillan	PROPN
ajbmeb-606	79	30	cham	cham	PROPN
ajbmeb-606	79	31	,	,	PUNCT
ajbmeb-606	79	32	january	january	PROPN
ajbmeb-606	79	33	2021	2021	NUM
ajbmeb-606	79	34	)	)	PUNCT
ajbmeb-606	79	35	pp.157	pp.157	PROPN
ajbmeb-606	79	36	-	-	PUNCT
ajbmeb-606	79	37	225	225	NUM
ajbmeb-606	79	38	5	5	NUM
ajbmeb-606	79	39	.	.	PUNCT
ajbmeb-606	80	1	banking	banking	NOUN
ajbmeb-606	80	2	:	:	PUNCT
ajbmeb-606	80	3	a	a	DET
ajbmeb-606	80	4	modern	modern	ADJ
ajbmeb-606	80	5	credit	credit	NOUN
ajbmeb-606	80	6	system	system	NOUN
ajbmeb-606	80	7	:	:	PUNCT
ajbmeb-606	80	8	a	a	DET
ajbmeb-606	80	9	study	study	NOUN
ajbmeb-606	80	10	guide	guide	NOUN
ajbmeb-606	80	11	/	/	SYM
ajbmeb-606	80	12	o.i	o.i	PROPN
ajbmeb-606	80	13	.	.	PROPN
ajbmeb-606	80	14	lavrushin	lavrushin	PROPN
ajbmeb-606	80	15	,	,	PUNCT
ajbmeb-606	80	16	o.n	o.n	PROPN
ajbmeb-606	80	17	.	.	PROPN
ajbmeb-606	80	18	afanasiev	afanasiev	PROPN
ajbmeb-606	80	19	,	,	PUNCT
ajbmeb-606	80	20	s.l	s.l	PROPN
ajbmeb-606	80	21	.	.	PROPN
ajbmeb-606	80	22	kornienko	kornienko	PROPN
ajbmeb-606	80	23	;	;	PUNCT
ajbmeb-606	81	1	ed	ed	X
ajbmeb-606	81	2	.	.	PUNCT
ajbmeb-606	82	1	honoured	honoured	ADJ
ajbmeb-606	82	2	act	act	PROPN
ajbmeb-606	82	3	.	.	PUNCT
ajbmeb-606	83	1	sciences	science	NOUN
ajbmeb-606	83	2	of	of	ADP
ajbmeb-606	83	3	the	the	DET
ajbmeb-606	83	4	russian	russian	PROPN
ajbmeb-606	83	5	federation	federation	PROPN
ajbmeb-606	83	6	,	,	PUNCT
ajbmeb-606	83	7	doctor	doctor	NOUN
ajbmeb-606	83	8	of	of	ADP
ajbmeb-606	83	9	economics	economic	NOUN
ajbmeb-606	83	10	.	.	PUNCT
ajbmeb-606	84	1	sciences	science	NOUN
ajbmeb-606	84	2	,	,	PUNCT
ajbmeb-606	84	3	prof	prof	NOUN
ajbmeb-606	84	4	.	.	PUNCT
ajbmeb-606	85	1	o.i	o.i	PROPN
ajbmeb-606	85	2	.	.	PROPN
ajbmeb-606	85	3	lavrushin	lavrushin	PROPN
ajbmeb-606	85	4	.	.	PUNCT
ajbmeb-606	86	1	3rd	3rd	ADJ
ajbmeb-606	86	2	ed	ed	NOUN
ajbmeb-606	86	3	.	.	PUNCT
ajbmeb-606	86	4	,	,	PUNCT
ajbmeb-606	86	5	add	add	VERB
ajbmeb-606	86	6	.	.	PUNCT
ajbmeb-606	87	1	m.	m.	NOUN
ajbmeb-606	87	2	:	:	PUNCT
ajbmeb-606	88	1	knorus	knorus	PROPN
ajbmeb-606	88	2	,	,	PUNCT
ajbmeb-606	88	3	2007	2007	NUM
ajbmeb-606	88	4	.	.	PUNCT
ajbmeb-606	89	1	264	264	NUM
ajbmeb-606	89	2	p.	p.	NOUN
ajbmeb-606	89	3	isbn	isbn	ADJ
ajbmeb-606	89	4	5	5	NUM
ajbmeb-606	89	5	-	-	PUNCT
ajbmeb-606	89	6	85971	85971	NUM
ajbmeb-606	89	7	-	-	PUNCT
ajbmeb-606	89	8	603	603	NUM
ajbmeb-606	89	9	-	-	SYM
ajbmeb-606	89	10	6	6	NUM
ajbmeb-606	89	11	p.36	p.36	NOUN
ajbmeb-606	89	12	-	-	SYM
ajbmeb-606	89	13	37	37	NUM
ajbmeb-606	89	14	6	6	NUM
ajbmeb-606	89	15	.	.	PUNCT
ajbmeb-606	89	16	modern	modern	ADJ
ajbmeb-606	89	17	money	money	NOUN
ajbmeb-606	89	18	and	and	CCONJ
ajbmeb-606	89	19	banking	banking	NOUN
ajbmeb-606	89	20	'	'	PUNCT
ajbmeb-606	89	21	;	;	PUNCT
ajbmeb-606	89	22	miller	miller	PROPN
ajbmeb-606	89	23	,	,	PUNCT
ajbmeb-606	89	24	roger	roger	PROPN
ajbmeb-606	89	25	leroy	leroy	PROPN
ajbmeb-606	89	26	;	;	PUNCT
ajbmeb-606	89	27	van	van	PROPN
ajbmeb-606	89	28	hoose	hoose	PROPN
ajbmeb-606	89	29	,	,	PUNCT
ajbmeb-606	89	30	david	david	PROPN
ajbmeb-606	89	31	d.	d.	PROPN
ajbmeb-606	89	32	;	;	PUNCT
ajbmeb-606	89	33	publishing	publish	VERB
ajbmeb-606	89	34	house	house	NOUN
ajbmeb-606	89	35	:	:	PUNCT
ajbmeb-606	89	36	m.	m.	NOUN
ajbmeb-606	89	37	:	:	PUNCT
ajbmeb-606	89	38	infra	infra	NOUN
ajbmeb-606	89	39	-	-	PUNCT
ajbmeb-606	89	40	m	m	NOUN
ajbmeb-606	89	41	,	,	PUNCT
ajbmeb-606	89	42	2000	2000	NUM
ajbmeb-606	89	43	;	;	PUNCT
ajbmeb-606	89	44	isbn	isbn	ADJ
ajbmeb-606	89	45	:	:	PUNCT
ajbmeb-606	89	46	5	5	NUM
ajbmeb-606	89	47	-	-	SYM
ajbmeb-606	89	48	86225	86225	NUM
ajbmeb-606	89	49	-	-	PUNCT
ajbmeb-606	89	50	819	819	NUM
ajbmeb-606	89	51	-	-	SYM
ajbmeb-606	89	52	1	1	NUM
ajbmeb-606	89	53	-with	-with	NOUN
ajbmeb-606	89	54	.	.	NOUN
ajbmeb-606	89	55	881	881	NUM
ajbmeb-606	89	56	.	.	PUNCT
ajbmeb-606	89	57	p.745	p.745	NUM
ajbmeb-606	89	58	-	-	PUNCT
ajbmeb-606	89	59	746	746	NUM
ajbmeb-606	89	60	7	7	NUM
ajbmeb-606	89	61	.	.	PUNCT
ajbmeb-606	90	1	nicholas	nicholas	PROPN
ajbmeb-606	90	2	danila	danila	PROPN
ajbmeb-606	90	3	the	the	DET
ajbmeb-606	90	4	banking	banking	NOUN
ajbmeb-606	90	5	system	system	NOUN
ajbmeb-606	90	6	and	and	CCONJ
ajbmeb-606	90	7	integration	integration	NOUN
ajbmeb-606	90	8	challenges	challenge	NOUN
ajbmeb-606	90	9	.	.	PUNCT
ajbmeb-606	91	1	with	with	ADP
ajbmeb-606	91	2	.	.	PUNCT
ajbmeb-606	92	1	73	73	NUM
ajbmeb-606	92	2	-	-	SYM
ajbmeb-606	92	3	93	93	NUM
ajbmeb-606	92	4	.	.	PUNCT
ajbmeb-606	93	1	–	–	PUNCT
ajbmeb-606	93	2	p.79	p.79	ADP