id	sid	tid	token	lemma	pos
ajbmeb-64	1	1	american	american	PROPN
ajbmeb-64	1	2	journal	journal	PROPN
ajbmeb-64	1	3	of	of	ADP
ajbmeb-64	1	4	business	business	NOUN
ajbmeb-64	1	5	management	management	NOUN
ajbmeb-64	1	6	,	,	PUNCT
ajbmeb-64	1	7	economics	economic	NOUN
ajbmeb-64	1	8	and	and	CCONJ
ajbmeb-64	1	9	banking	banking	NOUN
ajbmeb-64	1	10	issn	issn	PROPN
ajbmeb-64	1	11	(	(	PUNCT
ajbmeb-64	1	12	e	e	NOUN
ajbmeb-64	1	13	):	):	PUNCT
ajbmeb-64	1	14	2832	2832	NUM
ajbmeb-64	1	15	-	-	SYM
ajbmeb-64	1	16	8078	8078	NUM
ajbmeb-64	1	17	volume	volume	NOUN
ajbmeb-64	1	18	4	4	NUM
ajbmeb-64	1	19	,	,	PUNCT
ajbmeb-64	1	20	|	|	ADV
ajbmeb-64	1	21	sep	sep	PROPN
ajbmeb-64	1	22	.	.	PROPN
ajbmeb-64	1	23	,	,	PUNCT
ajbmeb-64	1	24	2022	2022	NUM
ajbmeb-64	1	25	p	p	NOUN
ajbmeb-64	1	26	a	a	PRON
ajbmeb-64	1	27	g	g	NOUN
ajbmeb-64	1	28	e	e	NOUN
ajbmeb-64	1	29	|	|	ADV
ajbmeb-64	1	30	1	1	NUM
ajbmeb-64	1	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	1	32	financial	financial	ADJ
ajbmeb-64	1	33	technology	technology	NOUN
ajbmeb-64	1	34	and	and	CCONJ
ajbmeb-64	1	35	its	its	PRON
ajbmeb-64	1	36	relationship	relationship	NOUN
ajbmeb-64	1	37	to	to	ADP
ajbmeb-64	1	38	indicators	indicator	NOUN
ajbmeb-64	1	39	of	of	ADP
ajbmeb-64	1	40	sustainable	sustainable	ADJ
ajbmeb-64	1	41	development	development	NOUN
ajbmeb-64	1	42	with	with	ADP
ajbmeb-64	1	43	special	special	ADJ
ajbmeb-64	1	44	reference	reference	NOUN
ajbmeb-64	1	45	to	to	ADP
ajbmeb-64	1	46	iraq	iraq	PROPN
ajbmeb-64	1	47	asst	asst	PROPN
ajbmeb-64	1	48	.	.	PUNCT
ajbmeb-64	2	1	prof	prof	PROPN
ajbmeb-64	2	2	.	.	PUNCT
ajbmeb-64	3	1	dr	dr	PROPN
ajbmeb-64	3	2	.	.	PROPN
ajbmeb-64	3	3	ahmed	ahmed	PROPN
ajbmeb-64	3	4	h.	h.	PROPN
ajbmeb-64	3	5	al	al	PROPN
ajbmeb-64	3	6	-	-	PUNCT
ajbmeb-64	3	7	husayny	husayny	PROPN
ajbmeb-64	3	8	al	al	PROPN
ajbmeb-64	3	9	-	-	PUNCT
ajbmeb-64	3	10	mustansiriyah	mustansiriyah	PROPN
ajbmeb-64	3	11	university	university	NOUN
ajbmeb-64	3	12	;	;	PUNCT
ajbmeb-64	3	13	administration	administration	NOUN
ajbmeb-64	3	14	and	and	CCONJ
ajbmeb-64	3	15	economics	economics	PROPN
ajbmeb-64	3	16	college	college	NOUN
ajbmeb-64	3	17	finance	finance	PROPN
ajbmeb-64	3	18	and	and	CCONJ
ajbmeb-64	3	19	banking	banking	NOUN
ajbmeb-64	3	20	sciences	sciences	PROPN
ajbmeb-64	3	21	department	department	PROPN
ajbmeb-64	3	22	e-mail:dr.ahmad_hamdy@uomustansirisyah.edu.iq	e-mail:dr.ahmad_hamdy@uomustansirisyah.edu.iq	VERB
ajbmeb-64	3	23	a	a	DET
ajbmeb-64	3	24	b	b	PROPN
ajbmeb-64	3	25	s	s	ADP
ajbmeb-64	3	26	t	t	PROPN
ajbmeb-64	3	27	r	r	NOUN
ajbmeb-64	3	28	a	a	DET
ajbmeb-64	3	29	c	c	NOUN
ajbmeb-64	3	30	t	t	NOUN
ajbmeb-64	3	31	k	k	X
ajbmeb-64	3	32	e	e	PROPN
ajbmeb-64	3	33	y	y	PROPN
ajbmeb-64	3	34	w	w	NOUN
ajbmeb-64	3	35	o	o	NOUN
ajbmeb-64	3	36	r	r	NOUN
ajbmeb-64	3	37	d	d	X
ajbmeb-64	3	38	s	s	X
ajbmeb-64	3	39	financial	financial	ADJ
ajbmeb-64	3	40	technology	technology	NOUN
ajbmeb-64	3	41	as	as	ADP
ajbmeb-64	3	42	an	an	DET
ajbmeb-64	3	43	experience	experience	NOUN
ajbmeb-64	3	44	in	in	ADP
ajbmeb-64	3	45	the	the	DET
ajbmeb-64	3	46	banking	banking	NOUN
ajbmeb-64	3	47	sector	sector	NOUN
ajbmeb-64	3	48	is	be	AUX
ajbmeb-64	3	49	a	a	DET
ajbmeb-64	3	50	recent	recent	ADJ
ajbmeb-64	3	51	financial	financial	ADJ
ajbmeb-64	3	52	experience	experience	NOUN
ajbmeb-64	3	53	.	.	PUNCT
ajbmeb-64	4	1	the	the	DET
ajbmeb-64	4	2	current	current	ADJ
ajbmeb-64	4	3	study	study	NOUN
ajbmeb-64	4	4	examines	examine	VERB
ajbmeb-64	4	5	the	the	DET
ajbmeb-64	4	6	ability	ability	NOUN
ajbmeb-64	4	7	of	of	ADP
ajbmeb-64	4	8	the	the	DET
ajbmeb-64	4	9	banking	banking	NOUN
ajbmeb-64	4	10	sector	sector	NOUN
ajbmeb-64	4	11	to	to	PART
ajbmeb-64	4	12	contribute	contribute	VERB
ajbmeb-64	4	13	to	to	ADP
ajbmeb-64	4	14	achieving	achieve	VERB
ajbmeb-64	4	15	the	the	DET
ajbmeb-64	4	16	requirements	requirement	NOUN
ajbmeb-64	4	17	of	of	ADP
ajbmeb-64	4	18	sustainable	sustainable	ADJ
ajbmeb-64	4	19	development	development	NOUN
ajbmeb-64	4	20	through	through	ADP
ajbmeb-64	4	21	the	the	DET
ajbmeb-64	4	22	role	role	NOUN
ajbmeb-64	4	23	of	of	ADP
ajbmeb-64	4	24	modern	modern	ADJ
ajbmeb-64	4	25	technology	technology	NOUN
ajbmeb-64	4	26	in	in	ADP
ajbmeb-64	4	27	enabling	enable	VERB
ajbmeb-64	4	28	various	various	ADJ
ajbmeb-64	4	29	social	social	ADJ
ajbmeb-64	4	30	groups	group	NOUN
ajbmeb-64	4	31	to	to	PART
ajbmeb-64	4	32	own	own	VERB
ajbmeb-64	4	33	electronic	electronic	ADJ
ajbmeb-64	4	34	services	service	NOUN
ajbmeb-64	4	35	and	and	CCONJ
ajbmeb-64	4	36	use	use	VERB
ajbmeb-64	4	37	them	they	PRON
ajbmeb-64	4	38	to	to	PART
ajbmeb-64	4	39	meet	meet	VERB
ajbmeb-64	4	40	their	their	PRON
ajbmeb-64	4	41	requirements	requirement	NOUN
ajbmeb-64	4	42	.	.	PUNCT
ajbmeb-64	5	1	this	this	PRON
ajbmeb-64	5	2	will	will	AUX
ajbmeb-64	5	3	contribute	contribute	VERB
ajbmeb-64	5	4	to	to	ADP
ajbmeb-64	5	5	the	the	DET
ajbmeb-64	5	6	advanced	advanced	ADJ
ajbmeb-64	5	7	stages	stage	NOUN
ajbmeb-64	5	8	of	of	ADP
ajbmeb-64	5	9	achieving	achieve	VERB
ajbmeb-64	5	10	the	the	DET
ajbmeb-64	5	11	seventeenth	seventeenth	ADJ
ajbmeb-64	5	12	sustainable	sustainable	ADJ
ajbmeb-64	5	13	development	development	NOUN
ajbmeb-64	5	14	goals	goal	NOUN
ajbmeb-64	5	15	.	.	PUNCT
ajbmeb-64	6	1	the	the	DET
ajbmeb-64	6	2	search	search	NOUN
ajbmeb-64	6	3	will	will	AUX
ajbmeb-64	6	4	focus	focus	VERB
ajbmeb-64	6	5	on	on	ADP
ajbmeb-64	6	6	iraq	iraq	PROPN
ajbmeb-64	6	7	and	and	CCONJ
ajbmeb-64	6	8	how	how	SCONJ
ajbmeb-64	6	9	many	many	ADJ
ajbmeb-64	6	10	financial	financial	ADJ
ajbmeb-64	6	11	technology	technology	NOUN
ajbmeb-64	6	12	requirements	requirement	NOUN
ajbmeb-64	6	13	will	will	AUX
ajbmeb-64	6	14	support	support	VERB
ajbmeb-64	6	15	sustainable	sustainable	ADJ
ajbmeb-64	6	16	development	development	NOUN
ajbmeb-64	6	17	requirements	requirement	NOUN
ajbmeb-64	6	18	.	.	PUNCT
ajbmeb-64	7	1	financial	financial	ADJ
ajbmeb-64	7	2	technology	technology	NOUN
ajbmeb-64	7	3	,	,	PUNCT
ajbmeb-64	7	4	banking	banking	NOUN
ajbmeb-64	7	5	sector	sector	NOUN
ajbmeb-64	7	6	,	,	PUNCT
ajbmeb-64	7	7	sustainable	sustainable	ADJ
ajbmeb-64	7	8	development	development	NOUN
ajbmeb-64	7	9	,	,	PUNCT
ajbmeb-64	7	10	electronic	electronic	ADJ
ajbmeb-64	7	11	services	service	NOUN
ajbmeb-64	7	12	,	,	PUNCT
ajbmeb-64	7	13	recent	recent	ADJ
ajbmeb-64	7	14	financial	financial	ADJ
ajbmeb-64	7	15	experience	experience	NOUN
ajbmeb-64	7	16	,	,	PUNCT
ajbmeb-64	7	17	innovating	innovate	VERB
ajbmeb-64	7	18	financial	financial	ADJ
ajbmeb-64	7	19	and	and	CCONJ
ajbmeb-64	7	20	banking	banking	NOUN
ajbmeb-64	7	21	services	service	NOUN
ajbmeb-64	7	22	,	,	PUNCT
ajbmeb-64	7	23	electronic	electronic	ADJ
ajbmeb-64	7	24	payment	payment	NOUN
ajbmeb-64	7	25	cards	card	NOUN
ajbmeb-64	7	26	.	.	PUNCT
ajbmeb-64	8	1	introduction	introduction	NOUN
ajbmeb-64	8	2	recent	recent	ADJ
ajbmeb-64	8	3	years	year	NOUN
ajbmeb-64	8	4	have	have	AUX
ajbmeb-64	8	5	witnessed	witness	VERB
ajbmeb-64	8	6	many	many	ADJ
ajbmeb-64	8	7	developments	development	NOUN
ajbmeb-64	8	8	,	,	PUNCT
ajbmeb-64	8	9	especially	especially	ADV
ajbmeb-64	8	10	in	in	ADP
ajbmeb-64	8	11	the	the	DET
ajbmeb-64	8	12	technical	technical	ADJ
ajbmeb-64	8	13	field	field	NOUN
ajbmeb-64	8	14	.	.	PUNCT
ajbmeb-64	9	1	this	this	PRON
ajbmeb-64	9	2	is	be	AUX
ajbmeb-64	9	3	clearly	clearly	ADV
ajbmeb-64	9	4	reflected	reflect	VERB
ajbmeb-64	9	5	in	in	ADP
ajbmeb-64	9	6	the	the	DET
ajbmeb-64	9	7	economic	economic	ADJ
ajbmeb-64	9	8	and	and	CCONJ
ajbmeb-64	9	9	financial	financial	ADJ
ajbmeb-64	9	10	arenas	arena	NOUN
ajbmeb-64	9	11	.	.	PUNCT
ajbmeb-64	10	1	this	this	PRON
ajbmeb-64	10	2	stimulated	stimulate	VERB
ajbmeb-64	10	3	the	the	DET
ajbmeb-64	10	4	economic	economic	ADJ
ajbmeb-64	10	5	,	,	PUNCT
ajbmeb-64	10	6	financial	financial	ADJ
ajbmeb-64	10	7	,	,	PUNCT
ajbmeb-64	10	8	and	and	CCONJ
ajbmeb-64	10	9	banking	banking	NOUN
ajbmeb-64	10	10	sectors	sector	NOUN
ajbmeb-64	10	11	to	to	PART
ajbmeb-64	10	12	invent	invent	VERB
ajbmeb-64	10	13	new	new	ADJ
ajbmeb-64	10	14	financial	financial	ADJ
ajbmeb-64	10	15	tools	tool	NOUN
ajbmeb-64	10	16	in	in	ADP
ajbmeb-64	10	17	harmony	harmony	NOUN
ajbmeb-64	10	18	with	with	ADP
ajbmeb-64	10	19	the	the	DET
ajbmeb-64	10	20	development	development	NOUN
ajbmeb-64	10	21	in	in	ADP
ajbmeb-64	10	22	the	the	DET
ajbmeb-64	10	23	technical	technical	ADJ
ajbmeb-64	10	24	field	field	NOUN
ajbmeb-64	10	25	.	.	PUNCT
ajbmeb-64	11	1	furthermore	furthermore	ADV
ajbmeb-64	11	2	,	,	PUNCT
ajbmeb-64	11	3	innovating	innovate	VERB
ajbmeb-64	11	4	financial	financial	ADJ
ajbmeb-64	11	5	and	and	CCONJ
ajbmeb-64	11	6	banking	banking	NOUN
ajbmeb-64	11	7	services	service	NOUN
ajbmeb-64	11	8	that	that	PRON
ajbmeb-64	11	9	serve	serve	VERB
ajbmeb-64	11	10	the	the	DET
ajbmeb-64	11	11	investment	investment	NOUN
ajbmeb-64	11	12	process	process	NOUN
ajbmeb-64	11	13	.	.	PUNCT
ajbmeb-64	12	1	financial	financial	ADJ
ajbmeb-64	12	2	technology	technology	NOUN
ajbmeb-64	12	3	is	be	AUX
ajbmeb-64	12	4	one	one	NUM
ajbmeb-64	12	5	of	of	ADP
ajbmeb-64	12	6	those	those	DET
ajbmeb-64	12	7	innovations	innovation	NOUN
ajbmeb-64	12	8	employed	employ	VERB
ajbmeb-64	12	9	to	to	PART
ajbmeb-64	12	10	achieve	achieve	VERB
ajbmeb-64	12	11	the	the	DET
ajbmeb-64	12	12	development	development	NOUN
ajbmeb-64	12	13	goals	goal	NOUN
ajbmeb-64	12	14	represented	represent	VERB
ajbmeb-64	12	15	by	by	ADP
ajbmeb-64	12	16	the	the	DET
ajbmeb-64	12	17	2030	2030	NUM
ajbmeb-64	12	18	sustainable	sustainable	ADJ
ajbmeb-64	12	19	development	development	NOUN
ajbmeb-64	12	20	goals	goal	NOUN
ajbmeb-64	12	21	.	.	PUNCT
ajbmeb-64	13	1	through	through	ADP
ajbmeb-64	13	2	practical	practical	ADJ
ajbmeb-64	13	3	experiences	experience	NOUN
ajbmeb-64	13	4	,	,	PUNCT
ajbmeb-64	13	5	financial	financial	ADJ
ajbmeb-64	13	6	and	and	CCONJ
ajbmeb-64	13	7	banking	banking	NOUN
ajbmeb-64	13	8	innovations	innovation	NOUN
ajbmeb-64	13	9	have	have	AUX
ajbmeb-64	13	10	proven	prove	VERB
ajbmeb-64	13	11	their	their	PRON
ajbmeb-64	13	12	high	high	ADJ
ajbmeb-64	13	13	flexibility	flexibility	NOUN
ajbmeb-64	13	14	in	in	ADP
ajbmeb-64	13	15	development	development	NOUN
ajbmeb-64	13	16	compared	compare	VERB
ajbmeb-64	13	17	to	to	ADP
ajbmeb-64	13	18	traditional	traditional	ADJ
ajbmeb-64	13	19	tools	tool	NOUN
ajbmeb-64	13	20	,	,	PUNCT
ajbmeb-64	13	21	as	as	ADV
ajbmeb-64	13	22	well	well	ADV
ajbmeb-64	13	23	as	as	ADP
ajbmeb-64	13	24	the	the	DET
ajbmeb-64	13	25	high	high	ADJ
ajbmeb-64	13	26	desire	desire	NOUN
ajbmeb-64	13	27	of	of	ADP
ajbmeb-64	13	28	the	the	DET
ajbmeb-64	13	29	public	public	NOUN
ajbmeb-64	13	30	to	to	PART
ajbmeb-64	13	31	deal	deal	VERB
ajbmeb-64	13	32	with	with	ADP
ajbmeb-64	13	33	financial	financial	ADJ
ajbmeb-64	13	34	technology	technology	NOUN
ajbmeb-64	13	35	tools	tool	NOUN
ajbmeb-64	13	36	.	.	PUNCT
ajbmeb-64	14	1	iraq	iraq	PROPN
ajbmeb-64	14	2	,	,	PUNCT
ajbmeb-64	14	3	like	like	ADP
ajbmeb-64	14	4	other	other	ADJ
ajbmeb-64	14	5	countries	country	NOUN
ajbmeb-64	14	6	,	,	PUNCT
ajbmeb-64	14	7	began	begin	VERB
ajbmeb-64	14	8	a	a	DET
ajbmeb-64	14	9	few	few	ADJ
ajbmeb-64	14	10	years	year	NOUN
ajbmeb-64	14	11	ago	ago	ADV
ajbmeb-64	14	12	to	to	PART
ajbmeb-64	14	13	introduce	introduce	VERB
ajbmeb-64	14	14	technical	technical	ADJ
ajbmeb-64	14	15	innovations	innovation	NOUN
ajbmeb-64	14	16	in	in	ADP
ajbmeb-64	14	17	the	the	DET
ajbmeb-64	14	18	financial	financial	ADJ
ajbmeb-64	14	19	and	and	CCONJ
ajbmeb-64	14	20	banking	banking	NOUN
ajbmeb-64	14	21	fields	field	NOUN
ajbmeb-64	14	22	,	,	PUNCT
ajbmeb-64	14	23	and	and	CCONJ
ajbmeb-64	14	24	this	this	PRON
ajbmeb-64	14	25	is	be	AUX
ajbmeb-64	14	26	represented	represent	VERB
ajbmeb-64	14	27	in	in	ADP
ajbmeb-64	14	28	the	the	DET
ajbmeb-64	14	29	spread	spread	NOUN
ajbmeb-64	14	30	of	of	ADP
ajbmeb-64	14	31	the	the	DET
ajbmeb-64	14	32	use	use	NOUN
ajbmeb-64	14	33	of	of	ADP
ajbmeb-64	14	34	electronic	electronic	ADJ
ajbmeb-64	14	35	payment	payment	NOUN
ajbmeb-64	14	36	cards	card	NOUN
ajbmeb-64	14	37	.	.	PUNCT
ajbmeb-64	15	1	also	also	ADV
ajbmeb-64	15	2	,	,	PUNCT
ajbmeb-64	15	3	financial	financial	ADJ
ajbmeb-64	15	4	technology	technology	NOUN
ajbmeb-64	15	5	in	in	ADP
ajbmeb-64	15	6	electronic	electronic	ADJ
ajbmeb-64	15	7	clearing	clearing	NOUN
ajbmeb-64	15	8	systems	system	NOUN
ajbmeb-64	15	9	between	between	ADP
ajbmeb-64	15	10	banks	bank	NOUN
ajbmeb-64	15	11	and	and	CCONJ
ajbmeb-64	15	12	other	other	ADJ
ajbmeb-64	15	13	banking	banking	NOUN
ajbmeb-64	15	14	tasks	task	NOUN
ajbmeb-64	15	15	significantly	significantly	ADV
ajbmeb-64	15	16	reduced	reduce	VERB
ajbmeb-64	15	17	routine	routine	ADJ
ajbmeb-64	15	18	banking	banking	NOUN
ajbmeb-64	15	19	activities	activity	NOUN
ajbmeb-64	15	20	.	.	PUNCT
ajbmeb-64	16	1	undoubtedly	undoubtedly	ADV
ajbmeb-64	16	2	,	,	PUNCT
ajbmeb-64	16	3	like	like	ADP
ajbmeb-64	16	4	other	other	ADJ
ajbmeb-64	16	5	countries	country	NOUN
ajbmeb-64	16	6	,	,	PUNCT
ajbmeb-64	16	7	iraq	iraq	PROPN
ajbmeb-64	16	8	aims	aim	VERB
ajbmeb-64	16	9	to	to	PART
ajbmeb-64	16	10	achieve	achieve	VERB
ajbmeb-64	16	11	sustainable	sustainable	ADJ
ajbmeb-64	16	12	development	development	NOUN
ajbmeb-64	16	13	goals	goal	NOUN
ajbmeb-64	16	14	by	by	ADP
ajbmeb-64	16	15	exploiting	exploit	VERB
ajbmeb-64	16	16	financial	financial	ADJ
ajbmeb-64	16	17	and	and	CCONJ
ajbmeb-64	16	18	banking	banking	NOUN
ajbmeb-64	16	19	innovations	innovation	NOUN
ajbmeb-64	16	20	by	by	ADP
ajbmeb-64	16	21	activating	activate	VERB
ajbmeb-64	16	22	banking	banking	NOUN
ajbmeb-64	16	23	work	work	NOUN
ajbmeb-64	16	24	and	and	CCONJ
ajbmeb-64	16	25	expanding	expand	VERB
ajbmeb-64	16	26	the	the	DET
ajbmeb-64	16	27	provision	provision	NOUN
ajbmeb-64	16	28	of	of	ADP
ajbmeb-64	16	29	financial	financial	ADJ
ajbmeb-64	16	30	and	and	CCONJ
ajbmeb-64	16	31	banking	banking	NOUN
ajbmeb-64	16	32	services	service	NOUN
ajbmeb-64	16	33	to	to	PART
ajbmeb-64	16	34	achieve	achieve	VERB
ajbmeb-64	16	35	economic	economic	ADJ
ajbmeb-64	16	36	and	and	CCONJ
ajbmeb-64	16	37	social	social	ADJ
ajbmeb-64	16	38	development	development	NOUN
ajbmeb-64	16	39	.	.	PUNCT
ajbmeb-64	17	1	in	in	ADP
ajbmeb-64	17	2	order	order	NOUN
ajbmeb-64	17	3	to	to	PART
ajbmeb-64	17	4	shed	shed	VERB
ajbmeb-64	17	5	light	light	NOUN
ajbmeb-64	17	6	on	on	ADP
ajbmeb-64	17	7	the	the	DET
ajbmeb-64	17	8	importance	importance	NOUN
ajbmeb-64	17	9	of	of	ADP
ajbmeb-64	17	10	financial	financial	ADJ
ajbmeb-64	17	11	technology	technology	NOUN
ajbmeb-64	17	12	and	and	CCONJ
ajbmeb-64	17	13	its	its	PRON
ajbmeb-64	17	14	role	role	NOUN
ajbmeb-64	17	15	in	in	ADP
ajbmeb-64	17	16	achieving	achieve	VERB
ajbmeb-64	17	17	sustainable	sustainable	ADJ
ajbmeb-64	17	18	development	development	NOUN
ajbmeb-64	17	19	,	,	PUNCT
ajbmeb-64	17	20	american	american	ADJ
ajbmeb-64	17	21	journal	journal	PROPN
ajbmeb-64	17	22	of	of	ADP
ajbmeb-64	17	23	business	business	NOUN
ajbmeb-64	17	24	management	management	NOUN
ajbmeb-64	17	25	,	,	PUNCT
ajbmeb-64	17	26	economics	economic	NOUN
ajbmeb-64	17	27	and	and	CCONJ
ajbmeb-64	17	28	banking	banking	NOUN
ajbmeb-64	17	29	volume	volume	NOUN
ajbmeb-64	17	30	4	4	NUM
ajbmeb-64	17	31	,	,	PUNCT
ajbmeb-64	17	32	sep	sep	PROPN
ajbmeb-64	17	33	.	.	PROPN
ajbmeb-64	17	34	,	,	PUNCT
ajbmeb-64	17	35	2022	2022	NUM
ajbmeb-64	17	36	p	p	NOUN
ajbmeb-64	17	37	a	a	DET
ajbmeb-64	17	38	g	g	NOUN
ajbmeb-64	17	39	e	e	NOUN
ajbmeb-64	17	40	|	|	ADV
ajbmeb-64	17	41	2	2	NUM
ajbmeb-64	17	42	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	17	43	the	the	DET
ajbmeb-64	17	44	study	study	NOUN
ajbmeb-64	17	45	relied	rely	VERB
ajbmeb-64	17	46	on	on	ADP
ajbmeb-64	17	47	the	the	DET
ajbmeb-64	17	48	descriptive	descriptive	ADJ
ajbmeb-64	17	49	analytical	analytical	ADJ
ajbmeb-64	17	50	approach	approach	NOUN
ajbmeb-64	17	51	through	through	ADP
ajbmeb-64	17	52	the	the	DET
ajbmeb-64	17	53	data	datum	NOUN
ajbmeb-64	17	54	obtained	obtain	VERB
ajbmeb-64	17	55	.	.	PUNCT
ajbmeb-64	18	1	the	the	DET
ajbmeb-64	18	2	study	study	NOUN
ajbmeb-64	18	3	was	be	AUX
ajbmeb-64	18	4	divided	divide	VERB
ajbmeb-64	18	5	into	into	ADP
ajbmeb-64	18	6	three	three	NUM
ajbmeb-64	18	7	sections	section	NOUN
ajbmeb-64	18	8	:	:	PUNCT
ajbmeb-64	18	9	the	the	DET
ajbmeb-64	18	10	first	first	ADJ
ajbmeb-64	18	11	section	section	NOUN
ajbmeb-64	18	12	highlighted	highlight	VERB
ajbmeb-64	18	13	the	the	DET
ajbmeb-64	18	14	financial	financial	ADJ
ajbmeb-64	18	15	technology	technology	NOUN
ajbmeb-64	18	16	concept	concept	NOUN
ajbmeb-64	18	17	and	and	CCONJ
ajbmeb-64	18	18	its	its	PRON
ajbmeb-64	18	19	characteristics	characteristic	NOUN
ajbmeb-64	18	20	and	and	CCONJ
ajbmeb-64	18	21	challenges	challenge	NOUN
ajbmeb-64	18	22	,	,	PUNCT
ajbmeb-64	18	23	while	while	SCONJ
ajbmeb-64	18	24	the	the	DET
ajbmeb-64	18	25	second	second	ADJ
ajbmeb-64	18	26	topic	topic	NOUN
ajbmeb-64	18	27	was	be	AUX
ajbmeb-64	18	28	devoted	devote	VERB
ajbmeb-64	18	29	to	to	PART
ajbmeb-64	18	30	research	research	VERB
ajbmeb-64	18	31	on	on	ADP
ajbmeb-64	18	32	the	the	DET
ajbmeb-64	18	33	volume	volume	NOUN
ajbmeb-64	18	34	of	of	ADP
ajbmeb-64	18	35	investments	investment	NOUN
ajbmeb-64	18	36	in	in	ADP
ajbmeb-64	18	37	financial	financial	ADJ
ajbmeb-64	18	38	technology	technology	NOUN
ajbmeb-64	18	39	across	across	ADP
ajbmeb-64	18	40	the	the	DET
ajbmeb-64	18	41	world	world	NOUN
ajbmeb-64	18	42	.	.	PUNCT
ajbmeb-64	19	1	as	as	ADP
ajbmeb-64	19	2	for	for	ADP
ajbmeb-64	19	3	the	the	DET
ajbmeb-64	19	4	third	third	ADJ
ajbmeb-64	19	5	topic	topic	NOUN
ajbmeb-64	19	6	,	,	PUNCT
ajbmeb-64	19	7	it	it	PRON
ajbmeb-64	19	8	is	be	AUX
ajbmeb-64	19	9	concerned	concern	VERB
ajbmeb-64	19	10	with	with	ADP
ajbmeb-64	19	11	digital	digital	ADJ
ajbmeb-64	19	12	finance	finance	NOUN
ajbmeb-64	19	13	in	in	ADP
ajbmeb-64	19	14	iraq	iraq	PROPN
ajbmeb-64	19	15	and	and	CCONJ
ajbmeb-64	19	16	its	its	PRON
ajbmeb-64	19	17	role	role	NOUN
ajbmeb-64	19	18	in	in	ADP
ajbmeb-64	19	19	achieving	achieve	VERB
ajbmeb-64	19	20	sustainable	sustainable	ADJ
ajbmeb-64	19	21	development	development	NOUN
ajbmeb-64	19	22	goals	goal	NOUN
ajbmeb-64	19	23	1the	1the	PROPN
ajbmeb-64	19	24	problem	problem	NOUN
ajbmeb-64	19	25	of	of	ADP
ajbmeb-64	19	26	the	the	DET
ajbmeb-64	19	27	study	study	NOUN
ajbmeb-64	19	28	:	:	PUNCT
ajbmeb-64	19	29	the	the	DET
ajbmeb-64	19	30	banking	banking	NOUN
ajbmeb-64	19	31	sector	sector	NOUN
ajbmeb-64	19	32	in	in	ADP
ajbmeb-64	19	33	today	today	NOUN
ajbmeb-64	19	34	's	's	PART
ajbmeb-64	19	35	world	world	NOUN
ajbmeb-64	19	36	faces	face	VERB
ajbmeb-64	19	37	many	many	ADJ
ajbmeb-64	19	38	challenges	challenge	NOUN
ajbmeb-64	19	39	,	,	PUNCT
ajbmeb-64	19	40	the	the	DET
ajbmeb-64	19	41	most	most	ADV
ajbmeb-64	19	42	prominent	prominent	ADJ
ajbmeb-64	19	43	of	of	ADP
ajbmeb-64	19	44	which	which	PRON
ajbmeb-64	19	45	are	be	AUX
ajbmeb-64	19	46	the	the	DET
ajbmeb-64	19	47	emerging	emerge	VERB
ajbmeb-64	19	48	companies	company	NOUN
ajbmeb-64	19	49	and	and	CCONJ
ajbmeb-64	19	50	financial	financial	ADJ
ajbmeb-64	19	51	institutions	institution	NOUN
ajbmeb-64	19	52	that	that	PRON
ajbmeb-64	19	53	provide	provide	VERB
ajbmeb-64	19	54	technological	technological	ADJ
ajbmeb-64	19	55	services	service	NOUN
ajbmeb-64	19	56	,	,	PUNCT
ajbmeb-64	19	57	which	which	PRON
ajbmeb-64	19	58	entered	enter	VERB
ajbmeb-64	19	59	the	the	DET
ajbmeb-64	19	60	banking	banking	NOUN
ajbmeb-64	19	61	arena	arena	NOUN
ajbmeb-64	19	62	and	and	CCONJ
ajbmeb-64	19	63	began	begin	VERB
ajbmeb-64	19	64	providing	provide	VERB
ajbmeb-64	19	65	financial	financial	ADJ
ajbmeb-64	19	66	and	and	CCONJ
ajbmeb-64	19	67	banking	banking	NOUN
ajbmeb-64	19	68	services	service	NOUN
ajbmeb-64	19	69	to	to	ADP
ajbmeb-64	19	70	all	all	DET
ajbmeb-64	19	71	segments	segment	NOUN
ajbmeb-64	19	72	of	of	ADP
ajbmeb-64	19	73	society	society	NOUN
ajbmeb-64	19	74	.	.	PUNCT
ajbmeb-64	20	1	this	this	PRON
ajbmeb-64	20	2	made	make	VERB
ajbmeb-64	20	3	the	the	DET
ajbmeb-64	20	4	international	international	ADJ
ajbmeb-64	20	5	banking	banking	NOUN
ajbmeb-64	20	6	sectors	sector	NOUN
ajbmeb-64	20	7	in	in	ADP
ajbmeb-64	20	8	general	general	ADJ
ajbmeb-64	20	9	and	and	CCONJ
ajbmeb-64	20	10	the	the	DET
ajbmeb-64	20	11	iraqi	iraqi	ADJ
ajbmeb-64	20	12	banking	banking	NOUN
ajbmeb-64	20	13	sectors	sector	NOUN
ajbmeb-64	20	14	,	,	PUNCT
ajbmeb-64	20	15	particularly	particularly	ADV
ajbmeb-64	20	16	,	,	PUNCT
ajbmeb-64	20	17	face	face	VERB
ajbmeb-64	20	18	the	the	DET
ajbmeb-64	20	19	challenge	challenge	NOUN
ajbmeb-64	20	20	of	of	ADP
ajbmeb-64	20	21	facing	face	VERB
ajbmeb-64	20	22	emerging	emerge	VERB
ajbmeb-64	20	23	technology	technology	NOUN
ajbmeb-64	20	24	companies	company	NOUN
ajbmeb-64	20	25	that	that	PRON
ajbmeb-64	20	26	have	have	AUX
ajbmeb-64	20	27	employed	employ	VERB
ajbmeb-64	20	28	their	their	PRON
ajbmeb-64	20	29	technical	technical	ADJ
ajbmeb-64	20	30	innovations	innovation	NOUN
ajbmeb-64	20	31	to	to	PART
ajbmeb-64	20	32	serve	serve	VERB
ajbmeb-64	20	33	society	society	NOUN
ajbmeb-64	20	34	.	.	PUNCT
ajbmeb-64	21	1	consequently	consequently	ADV
ajbmeb-64	21	2	,	,	PUNCT
ajbmeb-64	21	3	it	it	PRON
ajbmeb-64	21	4	became	become	VERB
ajbmeb-64	21	5	imperative	imperative	ADJ
ajbmeb-64	21	6	for	for	SCONJ
ajbmeb-64	21	7	the	the	DET
ajbmeb-64	21	8	banking	banking	NOUN
ajbmeb-64	21	9	sector	sector	NOUN
ajbmeb-64	21	10	to	to	PART
ajbmeb-64	21	11	develop	develop	VERB
ajbmeb-64	21	12	financial	financial	ADJ
ajbmeb-64	21	13	tools	tool	NOUN
ajbmeb-64	21	14	that	that	PRON
ajbmeb-64	21	15	would	would	AUX
ajbmeb-64	21	16	enable	enable	VERB
ajbmeb-64	21	17	it	it	PRON
ajbmeb-64	21	18	to	to	PART
ajbmeb-64	21	19	provide	provide	VERB
ajbmeb-64	21	20	the	the	DET
ajbmeb-64	21	21	best	good	ADJ
ajbmeb-64	21	22	banking	banking	NOUN
ajbmeb-64	21	23	services	service	NOUN
ajbmeb-64	21	24	to	to	ADP
ajbmeb-64	21	25	all	all	DET
ajbmeb-64	21	26	segments	segment	NOUN
ajbmeb-64	21	27	of	of	ADP
ajbmeb-64	21	28	society	society	NOUN
ajbmeb-64	21	29	.	.	PUNCT
ajbmeb-64	22	1	this	this	PRON
ajbmeb-64	22	2	leads	lead	VERB
ajbmeb-64	22	3	to	to	ADP
ajbmeb-64	22	4	an	an	DET
ajbmeb-64	22	5	increase	increase	NOUN
ajbmeb-64	22	6	in	in	ADP
ajbmeb-64	22	7	the	the	DET
ajbmeb-64	22	8	welfare	welfare	NOUN
ajbmeb-64	22	9	of	of	ADP
ajbmeb-64	22	10	society	society	NOUN
ajbmeb-64	22	11	,	,	PUNCT
ajbmeb-64	22	12	which	which	PRON
ajbmeb-64	22	13	is	be	AUX
ajbmeb-64	22	14	directly	directly	ADV
ajbmeb-64	22	15	reflected	reflect	VERB
ajbmeb-64	22	16	in	in	ADP
ajbmeb-64	22	17	the	the	DET
ajbmeb-64	22	18	achievement	achievement	NOUN
ajbmeb-64	22	19	of	of	ADP
ajbmeb-64	22	20	sustainable	sustainable	ADJ
ajbmeb-64	22	21	development	development	NOUN
ajbmeb-64	22	22	goals	goal	NOUN
ajbmeb-64	22	23	.	.	PUNCT
ajbmeb-64	23	1	based	base	VERB
ajbmeb-64	23	2	on	on	ADP
ajbmeb-64	23	3	the	the	DET
ajbmeb-64	23	4	foregoing	foregoing	NOUN
ajbmeb-64	23	5	,	,	PUNCT
ajbmeb-64	23	6	the	the	DET
ajbmeb-64	23	7	problem	problem	NOUN
ajbmeb-64	23	8	of	of	ADP
ajbmeb-64	23	9	the	the	DET
ajbmeb-64	23	10	study	study	NOUN
ajbmeb-64	23	11	can	can	AUX
ajbmeb-64	23	12	be	be	AUX
ajbmeb-64	23	13	formulated	formulate	VERB
ajbmeb-64	23	14	by	by	ADP
ajbmeb-64	23	15	the	the	DET
ajbmeb-64	23	16	following	follow	VERB
ajbmeb-64	23	17	question	question	NOUN
ajbmeb-64	23	18	:	:	PUNCT
ajbmeb-64	23	19	(	(	PUNCT
ajbmeb-64	23	20	have	have	AUX
ajbmeb-64	23	21	modern	modern	ADJ
ajbmeb-64	23	22	financial	financial	ADJ
ajbmeb-64	23	23	innovations	innovation	NOUN
ajbmeb-64	23	24	represented	represent	VERB
ajbmeb-64	23	25	by	by	ADP
ajbmeb-64	23	26	financial	financial	ADJ
ajbmeb-64	23	27	technology	technology	NOUN
ajbmeb-64	23	28	able	able	ADJ
ajbmeb-64	23	29	to	to	PART
ajbmeb-64	23	30	achieve	achieve	VERB
ajbmeb-64	23	31	sustainable	sustainable	ADJ
ajbmeb-64	23	32	development	development	NOUN
ajbmeb-64	23	33	goals	goal	NOUN
ajbmeb-64	23	34	?	?	PUNCT
ajbmeb-64	23	35	)	)	PUNCT
ajbmeb-64	24	1	2	2	NUM
ajbmeb-64	24	2	-	-	NUM
ajbmeb-64	24	3	the	the	DET
ajbmeb-64	24	4	importance	importance	NOUN
ajbmeb-64	24	5	of	of	ADP
ajbmeb-64	24	6	the	the	DET
ajbmeb-64	24	7	study	study	NOUN
ajbmeb-64	24	8	:	:	PUNCT
ajbmeb-64	24	9	the	the	DET
ajbmeb-64	24	10	importance	importance	NOUN
ajbmeb-64	24	11	of	of	ADP
ajbmeb-64	24	12	the	the	DET
ajbmeb-64	24	13	study	study	NOUN
ajbmeb-64	24	14	is	be	AUX
ajbmeb-64	24	15	highlighted	highlight	VERB
ajbmeb-64	24	16	by	by	ADP
ajbmeb-64	24	17	showing	show	VERB
ajbmeb-64	24	18	the	the	DET
ajbmeb-64	24	19	importance	importance	NOUN
ajbmeb-64	24	20	of	of	ADP
ajbmeb-64	24	21	financial	financial	ADJ
ajbmeb-64	24	22	innovations	innovation	NOUN
ajbmeb-64	24	23	,	,	PUNCT
ajbmeb-64	24	24	including	include	VERB
ajbmeb-64	24	25	financial	financial	ADJ
ajbmeb-64	24	26	technology	technology	NOUN
ajbmeb-64	24	27	,	,	PUNCT
ajbmeb-64	24	28	in	in	ADP
ajbmeb-64	24	29	revitalizing	revitalize	VERB
ajbmeb-64	24	30	various	various	ADJ
ajbmeb-64	24	31	economic	economic	ADJ
ajbmeb-64	24	32	sectors	sector	NOUN
ajbmeb-64	24	33	,	,	PUNCT
ajbmeb-64	24	34	increasing	increase	VERB
ajbmeb-64	24	35	their	their	PRON
ajbmeb-64	24	36	productivity	productivity	NOUN
ajbmeb-64	24	37	,	,	PUNCT
ajbmeb-64	24	38	and	and	CCONJ
ajbmeb-64	24	39	contributing	contribute	VERB
ajbmeb-64	24	40	to	to	ADP
ajbmeb-64	24	41	achieving	achieve	VERB
ajbmeb-64	24	42	sustainable	sustainable	ADJ
ajbmeb-64	24	43	development	development	NOUN
ajbmeb-64	24	44	goals	goal	NOUN
ajbmeb-64	24	45	.	.	PUNCT
ajbmeb-64	25	1	it	it	PRON
ajbmeb-64	25	2	is	be	AUX
ajbmeb-64	25	3	impossible	impossible	ADJ
ajbmeb-64	25	4	to	to	PART
ajbmeb-64	25	5	achieve	achieve	VERB
ajbmeb-64	25	6	sustainable	sustainable	ADJ
ajbmeb-64	25	7	development	development	NOUN
ajbmeb-64	25	8	goals	goal	NOUN
ajbmeb-64	25	9	without	without	ADP
ajbmeb-64	25	10	financing	finance	VERB
ajbmeb-64	25	11	small	small	ADJ
ajbmeb-64	25	12	and	and	CCONJ
ajbmeb-64	25	13	medium	medium	ADJ
ajbmeb-64	25	14	enterprises	enterprise	NOUN
ajbmeb-64	25	15	.	.	PUNCT
ajbmeb-64	26	1	this	this	PRON
ajbmeb-64	26	2	prompted	prompt	VERB
ajbmeb-64	26	3	the	the	DET
ajbmeb-64	26	4	banking	banking	NOUN
ajbmeb-64	26	5	sectors	sector	NOUN
ajbmeb-64	26	6	,	,	PUNCT
ajbmeb-64	26	7	including	include	VERB
ajbmeb-64	26	8	the	the	DET
ajbmeb-64	26	9	iraqi	iraqi	ADJ
ajbmeb-64	26	10	one	one	NOUN
ajbmeb-64	26	11	,	,	PUNCT
ajbmeb-64	26	12	to	to	PART
ajbmeb-64	26	13	search	search	VERB
ajbmeb-64	26	14	for	for	ADP
ajbmeb-64	26	15	financing	finance	VERB
ajbmeb-64	26	16	opportunities	opportunity	NOUN
ajbmeb-64	26	17	to	to	PART
ajbmeb-64	26	18	advance	advance	VERB
ajbmeb-64	26	19	the	the	DET
ajbmeb-64	26	20	economy	economy	NOUN
ajbmeb-64	26	21	and	and	CCONJ
ajbmeb-64	26	22	employ	employ	NOUN
ajbmeb-64	26	23	manpower	manpower	NOUN
ajbmeb-64	26	24	in	in	ADP
ajbmeb-64	26	25	the	the	DET
ajbmeb-64	26	26	country	country	NOUN
ajbmeb-64	26	27	,	,	PUNCT
ajbmeb-64	26	28	which	which	PRON
ajbmeb-64	26	29	is	be	AUX
ajbmeb-64	26	30	reflected	reflect	VERB
ajbmeb-64	26	31	in	in	ADP
ajbmeb-64	26	32	achieving	achieve	VERB
ajbmeb-64	26	33	sustainable	sustainable	ADJ
ajbmeb-64	26	34	development	development	NOUN
ajbmeb-64	26	35	goals	goal	NOUN
ajbmeb-64	26	36	.	.	PUNCT
ajbmeb-64	27	1	3the	3the	DET
ajbmeb-64	27	2	objective	objective	NOUN
ajbmeb-64	27	3	of	of	ADP
ajbmeb-64	27	4	the	the	DET
ajbmeb-64	27	5	study	study	NOUN
ajbmeb-64	27	6	:	:	PUNCT
ajbmeb-64	27	7	the	the	DET
ajbmeb-64	27	8	study	study	NOUN
ajbmeb-64	27	9	mainly	mainly	ADV
ajbmeb-64	27	10	aimed	aim	VERB
ajbmeb-64	27	11	to	to	PART
ajbmeb-64	27	12	demonstrate	demonstrate	VERB
ajbmeb-64	27	13	the	the	DET
ajbmeb-64	27	14	role	role	NOUN
ajbmeb-64	27	15	of	of	ADP
ajbmeb-64	27	16	financial	financial	ADJ
ajbmeb-64	27	17	technology	technology	NOUN
ajbmeb-64	27	18	in	in	ADP
ajbmeb-64	27	19	developing	develop	VERB
ajbmeb-64	27	20	the	the	DET
ajbmeb-64	27	21	banking	banking	NOUN
ajbmeb-64	27	22	sector	sector	NOUN
ajbmeb-64	27	23	as	as	ADP
ajbmeb-64	27	24	one	one	NUM
ajbmeb-64	27	25	of	of	ADP
ajbmeb-64	27	26	the	the	DET
ajbmeb-64	27	27	modern	modern	ADJ
ajbmeb-64	27	28	financial	financial	ADJ
ajbmeb-64	27	29	innovations	innovation	NOUN
ajbmeb-64	27	30	.	.	PUNCT
ajbmeb-64	28	1	it	it	PRON
ajbmeb-64	28	2	is	be	AUX
ajbmeb-64	28	3	responsible	responsible	ADJ
ajbmeb-64	28	4	for	for	ADP
ajbmeb-64	28	5	enabling	enable	VERB
ajbmeb-64	28	6	the	the	DET
ajbmeb-64	28	7	banking	banking	NOUN
ajbmeb-64	28	8	sector	sector	NOUN
ajbmeb-64	28	9	to	to	PART
ajbmeb-64	28	10	achieve	achieve	VERB
ajbmeb-64	28	11	sustainable	sustainable	ADJ
ajbmeb-64	28	12	development	development	NOUN
ajbmeb-64	28	13	goals	goal	NOUN
ajbmeb-64	28	14	by	by	ADP
ajbmeb-64	28	15	enabling	enable	VERB
ajbmeb-64	28	16	individuals	individual	NOUN
ajbmeb-64	28	17	to	to	PART
ajbmeb-64	28	18	own	own	VERB
ajbmeb-64	28	19	modern	modern	ADJ
ajbmeb-64	28	20	technology	technology	NOUN
ajbmeb-64	28	21	and	and	CCONJ
ajbmeb-64	28	22	make	make	VERB
ajbmeb-64	28	23	qualitative	qualitative	ADJ
ajbmeb-64	28	24	and	and	CCONJ
ajbmeb-64	28	25	quantitative	quantitative	ADJ
ajbmeb-64	28	26	leaps	leap	NOUN
ajbmeb-64	28	27	in	in	ADP
ajbmeb-64	28	28	investing	invest	VERB
ajbmeb-64	28	29	in	in	ADP
ajbmeb-64	28	30	this	this	DET
ajbmeb-64	28	31	type	type	NOUN
ajbmeb-64	28	32	of	of	ADP
ajbmeb-64	28	33	financial	financial	ADJ
ajbmeb-64	28	34	innovation	innovation	NOUN
ajbmeb-64	28	35	to	to	PART
ajbmeb-64	28	36	achieve	achieve	VERB
ajbmeb-64	28	37	social	social	ADJ
ajbmeb-64	28	38	,	,	PUNCT
ajbmeb-64	28	39	financial	financial	ADJ
ajbmeb-64	28	40	,	,	PUNCT
ajbmeb-64	28	41	and	and	CCONJ
ajbmeb-64	28	42	economic	economic	ADJ
ajbmeb-64	28	43	development	development	NOUN
ajbmeb-64	28	44	.	.	PUNCT
ajbmeb-64	29	1	4study	4study	NUM
ajbmeb-64	29	2	hypothesis	hypothesis	NOUN
ajbmeb-64	29	3	:	:	PUNCT
ajbmeb-64	29	4	the	the	DET
ajbmeb-64	29	5	study	study	NOUN
ajbmeb-64	29	6	is	be	AUX
ajbmeb-64	29	7	based	base	VERB
ajbmeb-64	29	8	on	on	ADP
ajbmeb-64	29	9	a	a	DET
ajbmeb-64	29	10	general	general	ADJ
ajbmeb-64	29	11	hypothesis	hypothesis	NOUN
ajbmeb-64	29	12	:	:	PUNCT
ajbmeb-64	29	13	modern	modern	ADJ
ajbmeb-64	29	14	financial	financial	ADJ
ajbmeb-64	29	15	innovations	innovation	NOUN
ajbmeb-64	29	16	,	,	PUNCT
ajbmeb-64	29	17	including	include	VERB
ajbmeb-64	29	18	financial	financial	ADJ
ajbmeb-64	29	19	technology	technology	NOUN
ajbmeb-64	29	20	,	,	PUNCT
ajbmeb-64	29	21	can	can	AUX
ajbmeb-64	29	22	provide	provide	VERB
ajbmeb-64	29	23	an	an	DET
ajbmeb-64	29	24	appropriate	appropriate	ADJ
ajbmeb-64	29	25	economic	economic	ADJ
ajbmeb-64	29	26	,	,	PUNCT
ajbmeb-64	29	27	financial	financial	ADJ
ajbmeb-64	29	28	,	,	PUNCT
ajbmeb-64	29	29	banking	banking	NOUN
ajbmeb-64	29	30	and	and	CCONJ
ajbmeb-64	29	31	social	social	ADJ
ajbmeb-64	29	32	environment	environment	NOUN
ajbmeb-64	29	33	to	to	PART
ajbmeb-64	29	34	achieve	achieve	VERB
ajbmeb-64	29	35	sustainable	sustainable	ADJ
ajbmeb-64	29	36	development	development	NOUN
ajbmeb-64	29	37	goals	goal	NOUN
ajbmeb-64	29	38	.	.	PUNCT
ajbmeb-64	30	1	5previous	5previous	NUM
ajbmeb-64	30	2	studies	study	NOUN
ajbmeb-64	30	3	:	:	PUNCT
ajbmeb-64	30	4	many	many	ADJ
ajbmeb-64	30	5	studies	study	NOUN
ajbmeb-64	30	6	have	have	AUX
ajbmeb-64	30	7	examined	examine	VERB
ajbmeb-64	30	8	the	the	DET
ajbmeb-64	30	9	role	role	NOUN
ajbmeb-64	30	10	of	of	ADP
ajbmeb-64	30	11	modern	modern	ADJ
ajbmeb-64	30	12	financial	financial	ADJ
ajbmeb-64	30	13	innovations	innovation	NOUN
ajbmeb-64	30	14	,	,	PUNCT
ajbmeb-64	30	15	especially	especially	ADV
ajbmeb-64	30	16	financial	financial	ADJ
ajbmeb-64	30	17	technology	technology	NOUN
ajbmeb-64	30	18	,	,	PUNCT
ajbmeb-64	30	19	in	in	ADP
ajbmeb-64	30	20	achieving	achieve	VERB
ajbmeb-64	30	21	sustainable	sustainable	ADJ
ajbmeb-64	30	22	development	development	NOUN
ajbmeb-64	30	23	,	,	PUNCT
ajbmeb-64	30	24	the	the	DET
ajbmeb-64	30	25	most	most	ADV
ajbmeb-64	30	26	important	important	ADJ
ajbmeb-64	30	27	of	of	ADP
ajbmeb-64	30	28	which	which	PRON
ajbmeb-64	30	29	are	be	AUX
ajbmeb-64	30	30	:	:	PUNCT
ajbmeb-64	30	31	american	american	ADJ
ajbmeb-64	30	32	journal	journal	PROPN
ajbmeb-64	30	33	of	of	ADP
ajbmeb-64	30	34	business	business	NOUN
ajbmeb-64	30	35	management	management	NOUN
ajbmeb-64	30	36	,	,	PUNCT
ajbmeb-64	30	37	economics	economic	NOUN
ajbmeb-64	30	38	and	and	CCONJ
ajbmeb-64	30	39	banking	banking	NOUN
ajbmeb-64	30	40	volume	volume	NOUN
ajbmeb-64	30	41	4	4	NUM
ajbmeb-64	30	42	,	,	PUNCT
ajbmeb-64	30	43	sep	sep	PROPN
ajbmeb-64	30	44	.	.	PROPN
ajbmeb-64	30	45	,	,	PUNCT
ajbmeb-64	30	46	2022	2022	NUM
ajbmeb-64	30	47	p	p	NOUN
ajbmeb-64	30	48	a	a	DET
ajbmeb-64	30	49	g	g	NOUN
ajbmeb-64	30	50	e	e	NOUN
ajbmeb-64	30	51	|	|	ADV
ajbmeb-64	30	52	3	3	NUM
ajbmeb-64	30	53	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	30	54	reham	reham	NOUN
ajbmeb-64	30	55	ahmed	ahmed	PROPN
ajbmeb-64	30	56	mamdouh	mamdouh	PROPN
ajbmeb-64	30	57	's	's	PART
ajbmeb-64	30	58	study	study	NOUN
ajbmeb-64	30	59	,	,	PUNCT
ajbmeb-64	30	60	the	the	DET
ajbmeb-64	30	61	impact	impact	NOUN
ajbmeb-64	30	62	of	of	ADP
ajbmeb-64	30	63	financial	financial	ADJ
ajbmeb-64	30	64	technology	technology	NOUN
ajbmeb-64	30	65	on	on	ADP
ajbmeb-64	30	66	economic	economic	ADJ
ajbmeb-64	30	67	justice	justice	NOUN
ajbmeb-64	30	68	,	,	PUNCT
ajbmeb-64	30	69	published	publish	VERB
ajbmeb-64	30	70	in	in	ADP
ajbmeb-64	30	71	the	the	DET
ajbmeb-64	30	72	scientific	scientific	ADJ
ajbmeb-64	30	73	journal	journal	NOUN
ajbmeb-64	30	74	of	of	ADP
ajbmeb-64	30	75	economics	economic	NOUN
ajbmeb-64	30	76	and	and	CCONJ
ajbmeb-64	30	77	trade	trade	NOUN
ajbmeb-64	30	78	2020	2020	NUM
ajbmeb-64	30	79	.	.	PUNCT
ajbmeb-64	31	1	it	it	PRON
ajbmeb-64	31	2	concluded	conclude	VERB
ajbmeb-64	31	3	that	that	SCONJ
ajbmeb-64	31	4	strengthening	strengthen	VERB
ajbmeb-64	31	5	the	the	DET
ajbmeb-64	31	6	digital	digital	ADJ
ajbmeb-64	31	7	infrastructure	infrastructure	NOUN
ajbmeb-64	31	8	by	by	ADP
ajbmeb-64	31	9	delivering	deliver	VERB
ajbmeb-64	31	10	electronic	electronic	ADJ
ajbmeb-64	31	11	services	service	NOUN
ajbmeb-64	31	12	to	to	ADP
ajbmeb-64	31	13	remote	remote	ADJ
ajbmeb-64	31	14	villages	village	NOUN
ajbmeb-64	31	15	and	and	CCONJ
ajbmeb-64	31	16	poor	poor	ADJ
ajbmeb-64	31	17	strata	strata	NOUN
ajbmeb-64	31	18	of	of	ADP
ajbmeb-64	31	19	society	society	NOUN
ajbmeb-64	31	20	at	at	ADP
ajbmeb-64	31	21	a	a	DET
ajbmeb-64	31	22	reasonable	reasonable	ADJ
ajbmeb-64	31	23	cost	cost	NOUN
ajbmeb-64	31	24	contributes	contribute	VERB
ajbmeb-64	31	25	practically	practically	ADV
ajbmeb-64	31	26	to	to	ADP
ajbmeb-64	31	27	increasing	increase	VERB
ajbmeb-64	31	28	social	social	ADJ
ajbmeb-64	31	29	welfare	welfare	NOUN
ajbmeb-64	31	30	;	;	PUNCT
ajbmeb-64	31	31	thus	thus	ADV
ajbmeb-64	31	32	,	,	PUNCT
ajbmeb-64	31	33	increasing	increase	VERB
ajbmeb-64	31	34	the	the	DET
ajbmeb-64	31	35	chances	chance	NOUN
ajbmeb-64	31	36	of	of	ADP
ajbmeb-64	31	37	achieving	achieve	VERB
ajbmeb-64	31	38	sustainable	sustainable	ADJ
ajbmeb-64	31	39	development	development	NOUN
ajbmeb-64	31	40	goals	goal	NOUN
ajbmeb-64	31	41	.	.	PUNCT
ajbmeb-64	32	1	rabah	rabah	PROPN
ajbmeb-64	32	2	berrich	berrich	PROPN
ajbmeb-64	32	3	study	study	PROPN
ajbmeb-64	32	4	,	,	PUNCT
ajbmeb-64	32	5	the	the	DET
ajbmeb-64	32	6	role	role	NOUN
ajbmeb-64	32	7	of	of	ADP
ajbmeb-64	32	8	financial	financial	ADJ
ajbmeb-64	32	9	technology	technology	NOUN
ajbmeb-64	32	10	in	in	ADP
ajbmeb-64	32	11	promoting	promote	VERB
ajbmeb-64	32	12	financial	financial	ADJ
ajbmeb-64	32	13	inclusion	inclusion	NOUN
ajbmeb-64	32	14	,	,	PUNCT
ajbmeb-64	32	15	a	a	DET
ajbmeb-64	32	16	case	case	NOUN
ajbmeb-64	32	17	study	study	NOUN
ajbmeb-64	32	18	of	of	ADP
ajbmeb-64	32	19	indonesia	indonesia	PROPN
ajbmeb-64	32	20	,	,	PUNCT
ajbmeb-64	32	21	2020	2020	NUM
ajbmeb-64	32	22	.	.	PUNCT
ajbmeb-64	33	1	the	the	DET
ajbmeb-64	33	2	study	study	NOUN
ajbmeb-64	33	3	concluded	conclude	VERB
ajbmeb-64	33	4	that	that	SCONJ
ajbmeb-64	33	5	promoting	promote	VERB
ajbmeb-64	33	6	financial	financial	ADJ
ajbmeb-64	33	7	inclusion	inclusion	NOUN
ajbmeb-64	33	8	in	in	ADP
ajbmeb-64	33	9	the	the	DET
ajbmeb-64	33	10	current	current	ADJ
ajbmeb-64	33	11	era	era	NOUN
ajbmeb-64	33	12	mainly	mainly	ADV
ajbmeb-64	33	13	requires	require	VERB
ajbmeb-64	33	14	digital	digital	ADJ
ajbmeb-64	33	15	financial	financial	ADJ
ajbmeb-64	33	16	and	and	CCONJ
ajbmeb-64	33	17	banking	banking	NOUN
ajbmeb-64	33	18	products	product	NOUN
ajbmeb-64	33	19	.	.	PUNCT
ajbmeb-64	34	1	focused	focus	VERB
ajbmeb-64	34	2	financial	financial	ADJ
ajbmeb-64	34	3	inclusion	inclusion	NOUN
ajbmeb-64	34	4	policies	policy	NOUN
ajbmeb-64	34	5	in	in	ADP
ajbmeb-64	34	6	indonesia	indonesia	PROPN
ajbmeb-64	34	7	have	have	AUX
ajbmeb-64	34	8	succeeded	succeed	VERB
ajbmeb-64	34	9	in	in	ADP
ajbmeb-64	34	10	encouraging	encourage	VERB
ajbmeb-64	34	11	the	the	DET
ajbmeb-64	34	12	use	use	NOUN
ajbmeb-64	34	13	of	of	ADP
ajbmeb-64	34	14	financial	financial	ADJ
ajbmeb-64	34	15	technology	technology	NOUN
ajbmeb-64	34	16	and	and	CCONJ
ajbmeb-64	34	17	thus	thus	ADV
ajbmeb-64	34	18	increasing	increase	VERB
ajbmeb-64	34	19	the	the	DET
ajbmeb-64	34	20	chances	chance	NOUN
ajbmeb-64	34	21	of	of	ADP
ajbmeb-64	34	22	achieving	achieve	VERB
ajbmeb-64	34	23	sustainable	sustainable	ADJ
ajbmeb-64	34	24	development	development	NOUN
ajbmeb-64	34	25	goals	goal	NOUN
ajbmeb-64	34	26	.	.	PUNCT
ajbmeb-64	35	1	jihan	jihan	PROPN
ajbmeb-64	35	2	abdel	abdel	PROPN
ajbmeb-64	35	3	salam	salam	PROPN
ajbmeb-64	35	4	abbas	abbas	PROPN
ajbmeb-64	35	5	's	's	PART
ajbmeb-64	35	6	study	study	NOUN
ajbmeb-64	35	7	,	,	PUNCT
ajbmeb-64	35	8	the	the	DET
ajbmeb-64	35	9	impact	impact	NOUN
ajbmeb-64	35	10	of	of	ADP
ajbmeb-64	35	11	financial	financial	ADJ
ajbmeb-64	35	12	technology	technology	NOUN
ajbmeb-64	35	13	on	on	ADP
ajbmeb-64	35	14	the	the	DET
ajbmeb-64	35	15	performance	performance	NOUN
ajbmeb-64	35	16	of	of	ADP
ajbmeb-64	35	17	financial	financial	ADJ
ajbmeb-64	35	18	and	and	CCONJ
ajbmeb-64	35	19	banking	banking	NOUN
ajbmeb-64	35	20	services	service	NOUN
ajbmeb-64	35	21	in	in	ADP
ajbmeb-64	35	22	sub	sub	ADJ
ajbmeb-64	35	23	-	-	ADJ
ajbmeb-64	35	24	saharan	saharan	ADJ
ajbmeb-64	35	25	africa	africa	PROPN
ajbmeb-64	35	26	,	,	PUNCT
ajbmeb-64	35	27	2021	2021	NUM
ajbmeb-64	35	28	.	.	PUNCT
ajbmeb-64	36	1	the	the	DET
ajbmeb-64	36	2	study	study	NOUN
ajbmeb-64	36	3	concluded	conclude	VERB
ajbmeb-64	36	4	that	that	SCONJ
ajbmeb-64	36	5	many	many	ADJ
ajbmeb-64	36	6	economic	economic	ADJ
ajbmeb-64	36	7	and	and	CCONJ
ajbmeb-64	36	8	financial	financial	ADJ
ajbmeb-64	36	9	advantages	advantage	NOUN
ajbmeb-64	36	10	result	result	VERB
ajbmeb-64	36	11	from	from	ADP
ajbmeb-64	36	12	digital	digital	ADJ
ajbmeb-64	36	13	transformation	transformation	NOUN
ajbmeb-64	36	14	in	in	ADP
ajbmeb-64	36	15	africa	africa	PROPN
ajbmeb-64	36	16	's	's	PART
ajbmeb-64	36	17	financial	financial	ADJ
ajbmeb-64	36	18	sector	sector	NOUN
ajbmeb-64	36	19	(	(	PUNCT
ajbmeb-64	36	20	sub	sub	ADJ
ajbmeb-64	36	21	-	-	ADJ
ajbmeb-64	36	22	saharan	saharan	ADJ
ajbmeb-64	36	23	)	)	PUNCT
ajbmeb-64	36	24	.	.	PUNCT
ajbmeb-64	37	1	raising	raise	VERB
ajbmeb-64	37	2	the	the	DET
ajbmeb-64	37	3	efficiency	efficiency	NOUN
ajbmeb-64	37	4	and	and	CCONJ
ajbmeb-64	37	5	speed	speed	NOUN
ajbmeb-64	37	6	of	of	ADP
ajbmeb-64	37	7	providing	provide	VERB
ajbmeb-64	37	8	financial	financial	ADJ
ajbmeb-64	37	9	services	service	NOUN
ajbmeb-64	37	10	of	of	ADP
ajbmeb-64	37	11	various	various	ADJ
ajbmeb-64	37	12	kinds	kind	NOUN
ajbmeb-64	37	13	is	be	AUX
ajbmeb-64	37	14	in	in	ADP
ajbmeb-64	37	15	the	the	DET
ajbmeb-64	37	16	interest	interest	NOUN
ajbmeb-64	37	17	of	of	ADP
ajbmeb-64	37	18	improving	improve	VERB
ajbmeb-64	37	19	the	the	DET
ajbmeb-64	37	20	performance	performance	NOUN
ajbmeb-64	37	21	of	of	ADP
ajbmeb-64	37	22	financial	financial	ADJ
ajbmeb-64	37	23	and	and	CCONJ
ajbmeb-64	37	24	banking	banking	NOUN
ajbmeb-64	37	25	services	service	NOUN
ajbmeb-64	37	26	in	in	ADP
ajbmeb-64	37	27	the	the	DET
ajbmeb-64	37	28	african	african	ADJ
ajbmeb-64	37	29	continent	continent	NOUN
ajbmeb-64	37	30	.	.	PUNCT
ajbmeb-64	38	1	the	the	DET
ajbmeb-64	38	2	study	study	NOUN
ajbmeb-64	38	3	expected	expect	VERB
ajbmeb-64	38	4	that	that	SCONJ
ajbmeb-64	38	5	by	by	ADP
ajbmeb-64	38	6	the	the	DET
ajbmeb-64	38	7	year	year	NOUN
ajbmeb-64	38	8	2035	2035	NUM
ajbmeb-64	38	9	,	,	PUNCT
ajbmeb-64	38	10	technological	technological	ADJ
ajbmeb-64	38	11	innovation	innovation	NOUN
ajbmeb-64	38	12	and	and	CCONJ
ajbmeb-64	38	13	infrastructure	infrastructure	NOUN
ajbmeb-64	38	14	development	development	NOUN
ajbmeb-64	38	15	could	could	AUX
ajbmeb-64	38	16	play	play	VERB
ajbmeb-64	38	17	critical	critical	ADJ
ajbmeb-64	38	18	roles	role	NOUN
ajbmeb-64	38	19	in	in	ADP
ajbmeb-64	38	20	raising	raise	VERB
ajbmeb-64	38	21	economic	economic	ADJ
ajbmeb-64	38	22	growth	growth	NOUN
ajbmeb-64	38	23	rates	rate	NOUN
ajbmeb-64	38	24	and	and	CCONJ
ajbmeb-64	38	25	achieving	achieve	VERB
ajbmeb-64	38	26	sustainable	sustainable	ADJ
ajbmeb-64	38	27	development	development	NOUN
ajbmeb-64	38	28	based	base	VERB
ajbmeb-64	38	29	on	on	ADP
ajbmeb-64	38	30	the	the	DET
ajbmeb-64	38	31	digital	digital	ADJ
ajbmeb-64	38	32	transformation	transformation	NOUN
ajbmeb-64	38	33	of	of	ADP
ajbmeb-64	38	34	all	all	DET
ajbmeb-64	38	35	kinds	kind	NOUN
ajbmeb-64	38	36	and	and	CCONJ
ajbmeb-64	38	37	forms	form	NOUN
ajbmeb-64	38	38	,	,	PUNCT
ajbmeb-64	38	39	especially	especially	ADV
ajbmeb-64	38	40	financial	financial	ADJ
ajbmeb-64	38	41	technology	technology	NOUN
ajbmeb-64	38	42	.	.	PUNCT
ajbmeb-64	39	1	6spatial	6spatial	NUM
ajbmeb-64	39	2	and	and	CCONJ
ajbmeb-64	39	3	temporal	temporal	ADJ
ajbmeb-64	39	4	limits	limit	NOUN
ajbmeb-64	39	5	:	:	PUNCT
ajbmeb-64	39	6	iraq	iraq	PROPN
ajbmeb-64	39	7	was	be	AUX
ajbmeb-64	39	8	chosen	choose	VERB
ajbmeb-64	39	9	as	as	ADP
ajbmeb-64	39	10	a	a	DET
ajbmeb-64	39	11	sample	sample	NOUN
ajbmeb-64	39	12	for	for	ADP
ajbmeb-64	39	13	the	the	DET
ajbmeb-64	39	14	study	study	NOUN
ajbmeb-64	39	15	,	,	PUNCT
ajbmeb-64	39	16	considering	consider	VERB
ajbmeb-64	39	17	that	that	SCONJ
ajbmeb-64	39	18	iraq	iraq	PROPN
ajbmeb-64	39	19	is	be	AUX
ajbmeb-64	39	20	one	one	NUM
ajbmeb-64	39	21	of	of	ADP
ajbmeb-64	39	22	the	the	DET
ajbmeb-64	39	23	newer	new	ADJ
ajbmeb-64	39	24	countries	country	NOUN
ajbmeb-64	39	25	using	use	VERB
ajbmeb-64	39	26	modern	modern	ADJ
ajbmeb-64	39	27	financial	financial	ADJ
ajbmeb-64	39	28	innovations	innovation	NOUN
ajbmeb-64	39	29	,	,	PUNCT
ajbmeb-64	39	30	including	include	VERB
ajbmeb-64	39	31	financial	financial	ADJ
ajbmeb-64	39	32	technology	technology	NOUN
ajbmeb-64	39	33	.	.	PUNCT
ajbmeb-64	40	1	the	the	DET
ajbmeb-64	40	2	study	study	NOUN
ajbmeb-64	40	3	was	be	AUX
ajbmeb-64	40	4	prepared	prepare	VERB
ajbmeb-64	40	5	in	in	ADP
ajbmeb-64	40	6	2022	2022	NUM
ajbmeb-64	40	7	the	the	DET
ajbmeb-64	40	8	first	first	ADJ
ajbmeb-64	40	9	topic	topic	NOUN
ajbmeb-64	40	10	financial	financial	ADJ
ajbmeb-64	40	11	technology	technology	NOUN
ajbmeb-64	40	12	.	.	PUNCT
ajbmeb-64	41	1	the	the	DET
ajbmeb-64	41	2	concept	concept	NOUN
ajbmeb-64	41	3	,	,	PUNCT
ajbmeb-64	41	4	characteristics	characteristic	NOUN
ajbmeb-64	41	5	,	,	PUNCT
ajbmeb-64	41	6	and	and	CCONJ
ajbmeb-64	41	7	challenges	challenge	VERB
ajbmeb-64	41	8	first	first	ADV
ajbmeb-64	41	9	:	:	PUNCT
ajbmeb-64	41	10	the	the	DET
ajbmeb-64	41	11	concept	concept	NOUN
ajbmeb-64	41	12	of	of	ADP
ajbmeb-64	41	13	financial	financial	ADJ
ajbmeb-64	41	14	technology	technology	NOUN
ajbmeb-64	41	15	(	(	PUNCT
ajbmeb-64	41	16	fintech	fintech	NOUN
ajbmeb-64	41	17	):	):	PUNCT
ajbmeb-64	41	18	one	one	NUM
ajbmeb-64	41	19	of	of	ADP
ajbmeb-64	41	20	the	the	DET
ajbmeb-64	41	21	challenges	challenge	NOUN
ajbmeb-64	41	22	facing	face	VERB
ajbmeb-64	41	23	the	the	DET
ajbmeb-64	41	24	traditional	traditional	ADJ
ajbmeb-64	41	25	banking	banking	NOUN
ajbmeb-64	41	26	industry	industry	NOUN
ajbmeb-64	41	27	is	be	AUX
ajbmeb-64	41	28	the	the	DET
ajbmeb-64	41	29	technology	technology	NOUN
ajbmeb-64	41	30	gap	gap	NOUN
ajbmeb-64	41	31	.	.	PUNCT
ajbmeb-64	42	1	perhaps	perhaps	ADV
ajbmeb-64	42	2	the	the	DET
ajbmeb-64	42	3	acceleration	acceleration	NOUN
ajbmeb-64	42	4	and	and	CCONJ
ajbmeb-64	42	5	complexity	complexity	NOUN
ajbmeb-64	42	6	of	of	ADP
ajbmeb-64	42	7	the	the	DET
ajbmeb-64	42	8	development	development	NOUN
ajbmeb-64	42	9	taking	take	VERB
ajbmeb-64	42	10	place	place	NOUN
ajbmeb-64	42	11	in	in	ADP
ajbmeb-64	42	12	the	the	DET
ajbmeb-64	42	13	world	world	NOUN
ajbmeb-64	42	14	of	of	ADP
ajbmeb-64	42	15	technology	technology	NOUN
ajbmeb-64	42	16	,	,	PUNCT
ajbmeb-64	42	17	in	in	ADP
ajbmeb-64	42	18	addition	addition	NOUN
ajbmeb-64	42	19	to	to	ADP
ajbmeb-64	42	20	the	the	DET
ajbmeb-64	42	21	diverse	diverse	ADJ
ajbmeb-64	42	22	needs	need	NOUN
ajbmeb-64	42	23	of	of	ADP
ajbmeb-64	42	24	individuals	individual	NOUN
ajbmeb-64	42	25	and	and	CCONJ
ajbmeb-64	42	26	economic	economic	ADJ
ajbmeb-64	42	27	and	and	CCONJ
ajbmeb-64	42	28	financial	financial	ADJ
ajbmeb-64	42	29	institutions	institution	NOUN
ajbmeb-64	42	30	,	,	PUNCT
ajbmeb-64	42	31	posed	pose	VERB
ajbmeb-64	42	32	a	a	DET
ajbmeb-64	42	33	real	real	ADJ
ajbmeb-64	42	34	challenge	challenge	NOUN
ajbmeb-64	42	35	to	to	ADP
ajbmeb-64	42	36	the	the	DET
ajbmeb-64	42	37	banking	banking	NOUN
ajbmeb-64	42	38	sector	sector	NOUN
ajbmeb-64	42	39	.	.	PUNCT
ajbmeb-64	43	1	it	it	PRON
ajbmeb-64	43	2	is	be	AUX
ajbmeb-64	43	3	necessary	necessary	ADJ
ajbmeb-64	43	4	to	to	PART
ajbmeb-64	43	5	find	find	VERB
ajbmeb-64	43	6	and	and	CCONJ
ajbmeb-64	43	7	invent	invent	VERB
ajbmeb-64	43	8	technological	technological	ADJ
ajbmeb-64	43	9	means	mean	NOUN
ajbmeb-64	43	10	that	that	PRON
ajbmeb-64	43	11	provide	provide	VERB
ajbmeb-64	43	12	banking	banking	NOUN
ajbmeb-64	43	13	services	service	NOUN
ajbmeb-64	43	14	to	to	ADP
ajbmeb-64	43	15	various	various	ADJ
ajbmeb-64	43	16	economic	economic	ADJ
ajbmeb-64	43	17	sectors	sector	NOUN
ajbmeb-64	43	18	.	.	PUNCT
ajbmeb-64	44	1	studies	study	NOUN
ajbmeb-64	44	2	indicate	indicate	VERB
ajbmeb-64	44	3	that	that	SCONJ
ajbmeb-64	44	4	the	the	DET
ajbmeb-64	44	5	next	next	ADJ
ajbmeb-64	44	6	few	few	ADJ
ajbmeb-64	44	7	years	year	NOUN
ajbmeb-64	44	8	will	will	AUX
ajbmeb-64	44	9	witness	witness	VERB
ajbmeb-64	44	10	real	real	ADJ
ajbmeb-64	44	11	and	and	CCONJ
ajbmeb-64	44	12	qualitative	qualitative	ADJ
ajbmeb-64	44	13	leaps	leap	NOUN
ajbmeb-64	44	14	in	in	ADP
ajbmeb-64	44	15	digitization	digitization	NOUN
ajbmeb-64	44	16	,	,	PUNCT
ajbmeb-64	44	17	especially	especially	ADV
ajbmeb-64	44	18	in	in	ADP
ajbmeb-64	44	19	global	global	ADJ
ajbmeb-64	44	20	communications	communication	NOUN
ajbmeb-64	44	21	,	,	PUNCT
ajbmeb-64	44	22	which	which	PRON
ajbmeb-64	44	23	means	mean	VERB
ajbmeb-64	44	24	radical	radical	ADJ
ajbmeb-64	44	25	changes	change	NOUN
ajbmeb-64	44	26	in	in	ADP
ajbmeb-64	44	27	money	money	NOUN
ajbmeb-64	44	28	transfer	transfer	NOUN
ajbmeb-64	44	29	methods	method	NOUN
ajbmeb-64	44	30	.	.	PUNCT
ajbmeb-64	45	1	the	the	DET
ajbmeb-64	45	2	traditional	traditional	ADJ
ajbmeb-64	45	3	banks	bank	NOUN
ajbmeb-64	45	4	,	,	PUNCT
ajbmeb-64	45	5	which	which	PRON
ajbmeb-64	45	6	used	use	VERB
ajbmeb-64	45	7	to	to	PART
ajbmeb-64	45	8	make	make	VERB
ajbmeb-64	45	9	profits	profit	NOUN
ajbmeb-64	45	10	by	by	ADP
ajbmeb-64	45	11	mobilizing	mobilize	VERB
ajbmeb-64	45	12	savings	saving	NOUN
ajbmeb-64	45	13	and	and	CCONJ
ajbmeb-64	45	14	redirecting	redirect	VERB
ajbmeb-64	45	15	them	they	PRON
ajbmeb-64	45	16	in	in	ADP
ajbmeb-64	45	17	loans	loan	NOUN
ajbmeb-64	45	18	and	and	CCONJ
ajbmeb-64	45	19	credit	credit	NOUN
ajbmeb-64	45	20	facilities	facility	NOUN
ajbmeb-64	45	21	to	to	ADP
ajbmeb-64	45	22	the	the	DET
ajbmeb-64	45	23	public	public	NOUN
ajbmeb-64	45	24	,	,	PUNCT
ajbmeb-64	45	25	can	can	AUX
ajbmeb-64	45	26	not	not	PART
ajbmeb-64	45	27	continue	continue	VERB
ajbmeb-64	45	28	in	in	ADP
ajbmeb-64	45	29	the	the	DET
ajbmeb-64	45	30	same	same	ADJ
ajbmeb-64	45	31	pattern	pattern	NOUN
ajbmeb-64	45	32	,	,	PUNCT
ajbmeb-64	45	33	especially	especially	ADV
ajbmeb-64	45	34	in	in	ADP
ajbmeb-64	45	35	the	the	DET
ajbmeb-64	45	36	coming	come	VERB
ajbmeb-64	45	37	years	year	NOUN
ajbmeb-64	45	38	.	.	PUNCT
ajbmeb-64	46	1	the	the	DET
ajbmeb-64	46	2	coming	come	VERB
ajbmeb-64	46	3	years	year	NOUN
ajbmeb-64	46	4	will	will	AUX
ajbmeb-64	46	5	witness	witness	VERB
ajbmeb-64	46	6	no	no	DET
ajbmeb-64	46	7	use	use	NOUN
ajbmeb-64	46	8	of	of	ADP
ajbmeb-64	46	9	money	money	NOUN
ajbmeb-64	46	10	in	in	ADP
ajbmeb-64	46	11	its	its	PRON
ajbmeb-64	46	12	current	current	ADJ
ajbmeb-64	46	13	traditional	traditional	ADJ
ajbmeb-64	46	14	form	form	NOUN
ajbmeb-64	46	15	,	,	PUNCT
ajbmeb-64	46	16	but	but	CCONJ
ajbmeb-64	46	17	electronic	electronic	ADJ
ajbmeb-64	46	18	currencies	currency	NOUN
ajbmeb-64	46	19	will	will	AUX
ajbmeb-64	46	20	be	be	AUX
ajbmeb-64	46	21	replaced	replace	VERB
ajbmeb-64	46	22	as	as	ADP
ajbmeb-64	46	23	a	a	DET
ajbmeb-64	46	24	means	means	NOUN
ajbmeb-64	46	25	of	of	ADP
ajbmeb-64	46	26	exchange	exchange	NOUN
ajbmeb-64	46	27	and	and	CCONJ
ajbmeb-64	46	28	conducting	conduct	VERB
ajbmeb-64	46	29	business	business	NOUN
ajbmeb-64	46	30	and	and	CCONJ
ajbmeb-64	46	31	economic	economic	ADJ
ajbmeb-64	46	32	activities	activity	NOUN
ajbmeb-64	46	33	.	.	PUNCT
ajbmeb-64	47	1	therefore	therefore	ADV
ajbmeb-64	47	2	,	,	PUNCT
ajbmeb-64	47	3	traditional	traditional	ADJ
ajbmeb-64	47	4	banks	bank	NOUN
ajbmeb-64	47	5	will	will	AUX
ajbmeb-64	47	6	be	be	AUX
ajbmeb-64	47	7	complex	complex	ADJ
ajbmeb-64	47	8	if	if	SCONJ
ajbmeb-64	47	9	they	they	PRON
ajbmeb-64	47	10	do	do	AUX
ajbmeb-64	47	11	not	not	PART
ajbmeb-64	47	12	remedy	remedy	VERB
ajbmeb-64	47	13	this	this	DET
ajbmeb-64	47	14	situation	situation	NOUN
ajbmeb-64	47	15	and	and	CCONJ
ajbmeb-64	47	16	keep	keep	VERB
ajbmeb-64	47	17	pace	pace	NOUN
ajbmeb-64	47	18	with	with	ADP
ajbmeb-64	47	19	technological	technological	ADJ
ajbmeb-64	47	20	developments	development	NOUN
ajbmeb-64	47	21	(	(	PUNCT
ajbmeb-64	47	22	hassan	hassan	PROPN
ajbmeb-64	47	23	,	,	PUNCT
ajbmeb-64	47	24	hassan	hassan	PROPN
ajbmeb-64	47	25	,	,	PUNCT
ajbmeb-64	47	26	2019	2019	NUM
ajbmeb-64	47	27	)	)	PUNCT
ajbmeb-64	47	28	.	.	PUNCT
ajbmeb-64	48	1	this	this	DET
ajbmeb-64	48	2	acceleration	acceleration	NOUN
ajbmeb-64	48	3	and	and	CCONJ
ajbmeb-64	48	4	technological	technological	ADJ
ajbmeb-64	48	5	development	development	NOUN
ajbmeb-64	48	6	will	will	AUX
ajbmeb-64	48	7	put	put	VERB
ajbmeb-64	48	8	the	the	DET
ajbmeb-64	48	9	banking	banking	NOUN
ajbmeb-64	48	10	and	and	CCONJ
ajbmeb-64	48	11	financial	financial	ADJ
ajbmeb-64	48	12	space	space	NOUN
ajbmeb-64	48	13	in	in	ADP
ajbmeb-64	48	14	front	front	NOUN
ajbmeb-64	48	15	of	of	ADP
ajbmeb-64	48	16	real	real	ADJ
ajbmeb-64	48	17	challenges	challenge	NOUN
ajbmeb-64	48	18	represented	represent	VERB
ajbmeb-64	48	19	in	in	ADP
ajbmeb-64	48	20	a	a	DET
ajbmeb-64	48	21	world	world	NOUN
ajbmeb-64	48	22	devoid	devoid	ADJ
ajbmeb-64	48	23	of	of	ADP
ajbmeb-64	48	24	cash	cash	NOUN
ajbmeb-64	48	25	transactions	transaction	NOUN
ajbmeb-64	48	26	but	but	CCONJ
ajbmeb-64	48	27	dealing	deal	VERB
ajbmeb-64	48	28	with	with	ADP
ajbmeb-64	48	29	digital	digital	ADJ
ajbmeb-64	48	30	currencies	currency	NOUN
ajbmeb-64	48	31	.	.	PUNCT
ajbmeb-64	49	1	consequently	consequently	ADV
ajbmeb-64	49	2	,	,	PUNCT
ajbmeb-64	49	3	it	it	PRON
ajbmeb-64	49	4	became	become	VERB
ajbmeb-64	49	5	imperative	imperative	ADJ
ajbmeb-64	49	6	for	for	ADP
ajbmeb-64	49	7	the	the	DET
ajbmeb-64	49	8	banking	banking	NOUN
ajbmeb-64	49	9	sector	sector	NOUN
ajbmeb-64	49	10	to	to	PART
ajbmeb-64	49	11	keep	keep	VERB
ajbmeb-64	49	12	pace	pace	NOUN
ajbmeb-64	49	13	with	with	ADP
ajbmeb-64	49	14	these	these	DET
ajbmeb-64	49	15	technological	technological	ADJ
ajbmeb-64	49	16	developments	development	NOUN
ajbmeb-64	49	17	and	and	CCONJ
ajbmeb-64	49	18	deal	deal	VERB
ajbmeb-64	49	19	with	with	ADP
ajbmeb-64	49	20	them	they	PRON
ajbmeb-64	49	21	through	through	ADP
ajbmeb-64	49	22	the	the	DET
ajbmeb-64	49	23	development	development	NOUN
ajbmeb-64	49	24	of	of	ADP
ajbmeb-64	49	25	the	the	DET
ajbmeb-64	49	26	banking	banking	NOUN
ajbmeb-64	49	27	industry	industry	NOUN
ajbmeb-64	49	28	and	and	CCONJ
ajbmeb-64	49	29	the	the	DET
ajbmeb-64	49	30	investment	investment	NOUN
ajbmeb-64	49	31	of	of	ADP
ajbmeb-64	49	32	modern	modern	ADJ
ajbmeb-64	49	33	financial	financial	ADJ
ajbmeb-64	49	34	innovations	innovation	NOUN
ajbmeb-64	49	35	,	,	PUNCT
ajbmeb-64	49	36	including	include	VERB
ajbmeb-64	49	37	financial	financial	ADJ
ajbmeb-64	49	38	technology	technology	NOUN
ajbmeb-64	49	39	.	.	PUNCT
ajbmeb-64	50	1	american	american	ADJ
ajbmeb-64	50	2	journal	journal	PROPN
ajbmeb-64	50	3	of	of	ADP
ajbmeb-64	50	4	business	business	NOUN
ajbmeb-64	50	5	management	management	NOUN
ajbmeb-64	50	6	,	,	PUNCT
ajbmeb-64	50	7	economics	economic	NOUN
ajbmeb-64	50	8	and	and	CCONJ
ajbmeb-64	50	9	banking	banking	NOUN
ajbmeb-64	50	10	volume	volume	NOUN
ajbmeb-64	50	11	4	4	NUM
ajbmeb-64	50	12	,	,	PUNCT
ajbmeb-64	50	13	sep	sep	PROPN
ajbmeb-64	50	14	.	.	PROPN
ajbmeb-64	50	15	,	,	PUNCT
ajbmeb-64	50	16	2022	2022	NUM
ajbmeb-64	50	17	p	p	NOUN
ajbmeb-64	50	18	a	a	DET
ajbmeb-64	50	19	g	g	NOUN
ajbmeb-64	50	20	e	e	NOUN
ajbmeb-64	50	21	|	|	ADV
ajbmeb-64	50	22	4	4	NUM
ajbmeb-64	50	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	50	24	from	from	ADP
ajbmeb-64	50	25	the	the	DET
ajbmeb-64	50	26	foregoing	foregoing	NOUN
ajbmeb-64	50	27	,	,	PUNCT
ajbmeb-64	50	28	some	some	DET
ajbmeb-64	50	29	common	common	ADJ
ajbmeb-64	50	30	concepts	concept	NOUN
ajbmeb-64	50	31	of	of	ADP
ajbmeb-64	50	32	financial	financial	ADJ
ajbmeb-64	50	33	technology	technology	NOUN
ajbmeb-64	50	34	can	can	AUX
ajbmeb-64	50	35	be	be	AUX
ajbmeb-64	50	36	given	give	VERB
ajbmeb-64	50	37	:	:	PUNCT
ajbmeb-64	50	38	it	it	PRON
ajbmeb-64	50	39	has	have	AUX
ajbmeb-64	50	40	been	be	AUX
ajbmeb-64	50	41	defined	define	VERB
ajbmeb-64	50	42	as	as	ADP
ajbmeb-64	50	43	the	the	DET
ajbmeb-64	50	44	technology	technology	NOUN
ajbmeb-64	50	45	and	and	CCONJ
ajbmeb-64	50	46	innovations	innovation	NOUN
ajbmeb-64	50	47	developed	develop	VERB
ajbmeb-64	50	48	to	to	PART
ajbmeb-64	50	49	compete	compete	VERB
ajbmeb-64	50	50	with	with	ADP
ajbmeb-64	50	51	the	the	DET
ajbmeb-64	50	52	traditional	traditional	ADJ
ajbmeb-64	50	53	financial	financial	ADJ
ajbmeb-64	50	54	and	and	CCONJ
ajbmeb-64	50	55	banking	banking	NOUN
ajbmeb-64	50	56	methods	method	NOUN
ajbmeb-64	50	57	when	when	SCONJ
ajbmeb-64	50	58	providing	provide	VERB
ajbmeb-64	50	59	financial	financial	ADJ
ajbmeb-64	50	60	services	service	NOUN
ajbmeb-64	50	61	,	,	PUNCT
ajbmeb-64	50	62	and	and	CCONJ
ajbmeb-64	50	63	financial	financial	ADJ
ajbmeb-64	50	64	technology	technology	NOUN
ajbmeb-64	50	65	in	in	ADP
ajbmeb-64	50	66	itself	itself	PRON
ajbmeb-64	50	67	is	be	AUX
ajbmeb-64	50	68	an	an	DET
ajbmeb-64	50	69	emerging	emerge	VERB
ajbmeb-64	50	70	industry	industry	NOUN
ajbmeb-64	50	71	in	in	ADP
ajbmeb-64	50	72	the	the	DET
ajbmeb-64	50	73	field	field	NOUN
ajbmeb-64	50	74	of	of	ADP
ajbmeb-64	50	75	finance	finance	NOUN
ajbmeb-64	50	76	(	(	PUNCT
ajbmeb-64	50	77	rasheeda	rasheeda	PROPN
ajbmeb-64	50	78	,	,	PUNCT
ajbmeb-64	50	79	saeeda	saeeda	NOUN
ajbmeb-64	50	80	,	,	PUNCT
ajbmeb-64	50	81	2019	2019	NUM
ajbmeb-64	50	82	,	,	PUNCT
ajbmeb-64	50	83	8)	8)	NUM
ajbmeb-64	50	84	.	.	PUNCT
ajbmeb-64	51	1	another	another	DET
ajbmeb-64	51	2	financial	financial	ADJ
ajbmeb-64	51	3	technology	technology	NOUN
ajbmeb-64	51	4	concept	concept	NOUN
ajbmeb-64	51	5	is	be	AUX
ajbmeb-64	51	6	the	the	DET
ajbmeb-64	51	7	various	various	ADJ
ajbmeb-64	51	8	services	service	NOUN
ajbmeb-64	51	9	and	and	CCONJ
ajbmeb-64	51	10	products	product	NOUN
ajbmeb-64	51	11	that	that	PRON
ajbmeb-64	51	12	take	take	VERB
ajbmeb-64	51	13	modern	modern	ADJ
ajbmeb-64	51	14	technology	technology	NOUN
ajbmeb-64	51	15	and	and	CCONJ
ajbmeb-64	51	16	financial	financial	ADJ
ajbmeb-64	51	17	innovation	innovation	NOUN
ajbmeb-64	51	18	as	as	ADP
ajbmeb-64	51	19	their	their	PRON
ajbmeb-64	51	20	basis	basis	NOUN
ajbmeb-64	51	21	.	.	PUNCT
ajbmeb-64	52	1	this	this	DET
ajbmeb-64	52	2	technology	technology	NOUN
ajbmeb-64	52	3	is	be	AUX
ajbmeb-64	52	4	characterized	characterize	VERB
ajbmeb-64	52	5	by	by	ADP
ajbmeb-64	52	6	its	its	PRON
ajbmeb-64	52	7	low	low	ADJ
ajbmeb-64	52	8	costs	cost	NOUN
ajbmeb-64	52	9	,	,	PUNCT
ajbmeb-64	52	10	ease	ease	NOUN
ajbmeb-64	52	11	of	of	ADP
ajbmeb-64	52	12	use	use	NOUN
ajbmeb-64	52	13	,	,	PUNCT
ajbmeb-64	52	14	and	and	CCONJ
ajbmeb-64	52	15	rapid	rapid	ADJ
ajbmeb-64	52	16	access	access	NOUN
ajbmeb-64	52	17	to	to	ADP
ajbmeb-64	52	18	many	many	ADJ
ajbmeb-64	52	19	individuals	individual	NOUN
ajbmeb-64	52	20	(	(	PUNCT
ajbmeb-64	52	21	finnish	finnish	ADJ
ajbmeb-64	52	22	technology	technology	NOUN
ajbmeb-64	52	23	report	report	NOUN
ajbmeb-64	52	24	,	,	PUNCT
ajbmeb-64	52	25	2019	2019	NUM
ajbmeb-64	52	26	,	,	PUNCT
ajbmeb-64	52	27	7	7	NUM
ajbmeb-64	52	28	)	)	PUNCT
ajbmeb-64	52	29	.	.	PUNCT
ajbmeb-64	53	1	it	it	PRON
ajbmeb-64	53	2	aims	aim	VERB
ajbmeb-64	53	3	to	to	PART
ajbmeb-64	53	4	improve	improve	VERB
ajbmeb-64	53	5	the	the	DET
ajbmeb-64	53	6	quality	quality	NOUN
ajbmeb-64	53	7	of	of	ADP
ajbmeb-64	53	8	traditional	traditional	ADJ
ajbmeb-64	53	9	banking	banking	NOUN
ajbmeb-64	53	10	and	and	CCONJ
ajbmeb-64	53	11	financial	financial	ADJ
ajbmeb-64	53	12	service	service	NOUN
ajbmeb-64	53	13	.	.	PUNCT
ajbmeb-64	54	1	others	other	NOUN
ajbmeb-64	54	2	defined	define	VERB
ajbmeb-64	54	3	it	it	PRON
ajbmeb-64	54	4	as	as	ADP
ajbmeb-64	54	5	the	the	DET
ajbmeb-64	54	6	financial	financial	ADJ
ajbmeb-64	54	7	products	product	NOUN
ajbmeb-64	54	8	and	and	CCONJ
ajbmeb-64	54	9	services	service	NOUN
ajbmeb-64	54	10	based	base	VERB
ajbmeb-64	54	11	on	on	ADP
ajbmeb-64	54	12	modern	modern	ADJ
ajbmeb-64	54	13	technology	technology	NOUN
ajbmeb-64	54	14	and	and	CCONJ
ajbmeb-64	54	15	digitization	digitization	NOUN
ajbmeb-64	54	16	of	of	ADP
ajbmeb-64	54	17	traditional	traditional	ADJ
ajbmeb-64	54	18	banking	banking	NOUN
ajbmeb-64	54	19	operations	operation	NOUN
ajbmeb-64	54	20	and	and	CCONJ
ajbmeb-64	54	21	their	their	PRON
ajbmeb-64	54	22	transformation	transformation	NOUN
ajbmeb-64	54	23	from	from	ADP
ajbmeb-64	54	24	their	their	PRON
ajbmeb-64	54	25	traditional	traditional	ADJ
ajbmeb-64	54	26	form	form	NOUN
ajbmeb-64	54	27	to	to	ADP
ajbmeb-64	54	28	another	another	DET
ajbmeb-64	54	29	digitized	digitize	VERB
ajbmeb-64	54	30	form	form	NOUN
ajbmeb-64	54	31	.	.	PUNCT
ajbmeb-64	55	1	it	it	PRON
ajbmeb-64	55	2	is	be	AUX
ajbmeb-64	55	3	subject	subject	ADJ
ajbmeb-64	55	4	to	to	ADP
ajbmeb-64	55	5	the	the	DET
ajbmeb-64	55	6	advantages	advantage	NOUN
ajbmeb-64	55	7	of	of	ADP
ajbmeb-64	55	8	modern	modern	ADJ
ajbmeb-64	55	9	financial	financial	ADJ
ajbmeb-64	55	10	technology	technology	NOUN
ajbmeb-64	55	11	,	,	PUNCT
ajbmeb-64	55	12	which	which	PRON
ajbmeb-64	55	13	enables	enable	VERB
ajbmeb-64	55	14	it	it	PRON
ajbmeb-64	55	15	to	to	PART
ajbmeb-64	55	16	save	save	VERB
ajbmeb-64	55	17	time	time	NOUN
ajbmeb-64	55	18	,	,	PUNCT
ajbmeb-64	55	19	cost	cost	NOUN
ajbmeb-64	55	20	,	,	PUNCT
ajbmeb-64	55	21	and	and	CCONJ
ajbmeb-64	55	22	effort	effort	NOUN
ajbmeb-64	55	23	(	(	PUNCT
ajbmeb-64	55	24	omani	omani	ADJ
ajbmeb-64	55	25	,	,	PUNCT
ajbmeb-64	55	26	hamdosh	hamdosh	NOUN
ajbmeb-64	55	27	,	,	PUNCT
ajbmeb-64	55	28	2017	2017	NUM
ajbmeb-64	55	29	,	,	PUNCT
ajbmeb-64	55	30	393	393	NUM
ajbmeb-64	55	31	)	)	PUNCT
ajbmeb-64	55	32	.	.	PUNCT
ajbmeb-64	56	1	according	accord	VERB
ajbmeb-64	56	2	to	to	ADP
ajbmeb-64	56	3	the	the	DET
ajbmeb-64	56	4	institute	institute	NOUN
ajbmeb-64	56	5	for	for	ADP
ajbmeb-64	56	6	digital	digital	ADJ
ajbmeb-64	56	7	research	research	NOUN
ajbmeb-64	56	8	in	in	ADP
ajbmeb-64	56	9	the	the	DET
ajbmeb-64	56	10	polish	polish	ADJ
ajbmeb-64	56	11	capital	capital	PROPN
ajbmeb-64	56	12	dublin	dublin	PROPN
ajbmeb-64	56	13	,	,	PUNCT
ajbmeb-64	56	14	financial	financial	ADJ
ajbmeb-64	56	15	technology	technology	NOUN
ajbmeb-64	56	16	is	be	AUX
ajbmeb-64	56	17	all	all	DET
ajbmeb-64	56	18	modern	modern	ADJ
ajbmeb-64	56	19	financial	financial	ADJ
ajbmeb-64	56	20	inventions	invention	NOUN
ajbmeb-64	56	21	and	and	CCONJ
ajbmeb-64	56	22	innovations	innovation	NOUN
ajbmeb-64	56	23	that	that	PRON
ajbmeb-64	56	24	will	will	AUX
ajbmeb-64	56	25	develop	develop	VERB
ajbmeb-64	56	26	the	the	DET
ajbmeb-64	56	27	financial	financial	ADJ
ajbmeb-64	56	28	and	and	CCONJ
ajbmeb-64	56	29	banking	banking	NOUN
ajbmeb-64	56	30	sectors	sector	NOUN
ajbmeb-64	56	31	.	.	PUNCT
ajbmeb-64	57	1	these	these	DET
ajbmeb-64	57	2	innovations	innovation	NOUN
ajbmeb-64	57	3	and	and	CCONJ
ajbmeb-64	57	4	inventions	invention	NOUN
ajbmeb-64	57	5	include	include	VERB
ajbmeb-64	57	6	a	a	DET
ajbmeb-64	57	7	set	set	NOUN
ajbmeb-64	57	8	of	of	ADP
ajbmeb-64	57	9	digital	digital	ADJ
ajbmeb-64	57	10	programs	program	NOUN
ajbmeb-64	57	11	used	use	VERB
ajbmeb-64	57	12	in	in	ADP
ajbmeb-64	57	13	financial	financial	ADJ
ajbmeb-64	57	14	and	and	CCONJ
ajbmeb-64	57	15	banking	banking	NOUN
ajbmeb-64	57	16	operations	operation	NOUN
ajbmeb-64	57	17	in	in	ADP
ajbmeb-64	57	18	various	various	ADJ
ajbmeb-64	57	19	banks	bank	NOUN
ajbmeb-64	57	20	,	,	PUNCT
ajbmeb-64	57	21	including	include	VERB
ajbmeb-64	57	22	dealings	dealing	NOUN
ajbmeb-64	57	23	with	with	ADP
ajbmeb-64	57	24	customers	customer	NOUN
ajbmeb-64	57	25	and	and	CCONJ
ajbmeb-64	57	26	providing	provide	VERB
ajbmeb-64	57	27	financial	financial	ADJ
ajbmeb-64	57	28	services	service	NOUN
ajbmeb-64	57	29	such	such	ADJ
ajbmeb-64	57	30	as	as	ADP
ajbmeb-64	57	31	money	money	NOUN
ajbmeb-64	57	32	transfer	transfer	NOUN
ajbmeb-64	57	33	,	,	PUNCT
ajbmeb-64	57	34	currency	currency	NOUN
ajbmeb-64	57	35	exchange	exchange	NOUN
ajbmeb-64	57	36	,	,	PUNCT
ajbmeb-64	57	37	and	and	CCONJ
ajbmeb-64	57	38	other	other	ADJ
ajbmeb-64	57	39	banking	banking	NOUN
ajbmeb-64	57	40	operations	operation	NOUN
ajbmeb-64	57	41	(	(	PUNCT
ajbmeb-64	57	42	mohamed	mohamed	PROPN
ajbmeb-64	57	43	mahmoud	mahmoud	PROPN
ajbmeb-64	57	44	,	,	PUNCT
ajbmeb-64	57	45	2018	2018	NUM
ajbmeb-64	57	46	(	(	PUNCT
ajbmeb-64	57	47	.	.	PUNCT
ajbmeb-64	58	1	from	from	ADP
ajbmeb-64	58	2	the	the	DET
ajbmeb-64	58	3	foregoing	foregoing	NOUN
ajbmeb-64	58	4	,	,	PUNCT
ajbmeb-64	58	5	a	a	DET
ajbmeb-64	58	6	general	general	ADJ
ajbmeb-64	58	7	and	and	CCONJ
ajbmeb-64	58	8	comprehensive	comprehensive	ADJ
ajbmeb-64	58	9	concept	concept	NOUN
ajbmeb-64	58	10	of	of	ADP
ajbmeb-64	58	11	financial	financial	ADJ
ajbmeb-64	58	12	technology	technology	NOUN
ajbmeb-64	58	13	can	can	AUX
ajbmeb-64	58	14	be	be	AUX
ajbmeb-64	58	15	given	give	VERB
ajbmeb-64	58	16	,	,	PUNCT
ajbmeb-64	58	17	as	as	SCONJ
ajbmeb-64	58	18	it	it	PRON
ajbmeb-64	58	19	can	can	AUX
ajbmeb-64	58	20	be	be	AUX
ajbmeb-64	58	21	defined	define	VERB
ajbmeb-64	58	22	as	as	ADP
ajbmeb-64	58	23	(	(	PUNCT
ajbmeb-64	58	24	the	the	DET
ajbmeb-64	58	25	ability	ability	NOUN
ajbmeb-64	58	26	of	of	ADP
ajbmeb-64	58	27	the	the	DET
ajbmeb-64	58	28	banking	banking	NOUN
ajbmeb-64	58	29	system	system	NOUN
ajbmeb-64	58	30	to	to	PART
ajbmeb-64	58	31	exploit	exploit	VERB
ajbmeb-64	58	32	the	the	DET
ajbmeb-64	58	33	means	mean	NOUN
ajbmeb-64	58	34	,	,	PUNCT
ajbmeb-64	58	35	tools	tool	NOUN
ajbmeb-64	58	36	,	,	PUNCT
ajbmeb-64	58	37	and	and	CCONJ
ajbmeb-64	58	38	modern	modern	ADJ
ajbmeb-64	58	39	technological	technological	ADJ
ajbmeb-64	58	40	innovations	innovation	NOUN
ajbmeb-64	58	41	and	and	CCONJ
ajbmeb-64	58	42	employ	employ	VERB
ajbmeb-64	58	43	them	they	PRON
ajbmeb-64	58	44	to	to	PART
ajbmeb-64	58	45	provide	provide	VERB
ajbmeb-64	58	46	financial	financial	ADJ
ajbmeb-64	58	47	and	and	CCONJ
ajbmeb-64	58	48	banking	banking	NOUN
ajbmeb-64	58	49	services	service	NOUN
ajbmeb-64	58	50	of	of	ADP
ajbmeb-64	58	51	high	high	ADJ
ajbmeb-64	58	52	quality	quality	NOUN
ajbmeb-64	58	53	that	that	PRON
ajbmeb-64	58	54	contribute	contribute	VERB
ajbmeb-64	58	55	to	to	ADP
ajbmeb-64	58	56	achieving	achieve	VERB
ajbmeb-64	58	57	the	the	DET
ajbmeb-64	58	58	welfare	welfare	NOUN
ajbmeb-64	58	59	of	of	ADP
ajbmeb-64	58	60	members	member	NOUN
ajbmeb-64	58	61	of	of	ADP
ajbmeb-64	58	62	the	the	DET
ajbmeb-64	58	63	community	community	NOUN
ajbmeb-64	58	64	in	in	ADP
ajbmeb-64	58	65	order	order	NOUN
ajbmeb-64	58	66	to	to	PART
ajbmeb-64	58	67	achieve	achieve	VERB
ajbmeb-64	58	68	the	the	DET
ajbmeb-64	58	69	goals	goal	NOUN
ajbmeb-64	58	70	of	of	ADP
ajbmeb-64	58	71	sustainable	sustainable	ADJ
ajbmeb-64	58	72	development	development	NOUN
ajbmeb-64	58	73	)	)	PUNCT
ajbmeb-64	58	74	.	.	PUNCT
ajbmeb-64	59	1	second	second	ADV
ajbmeb-64	59	2	:	:	PUNCT
ajbmeb-64	59	3	the	the	DET
ajbmeb-64	59	4	characteristics	characteristic	NOUN
ajbmeb-64	59	5	of	of	ADP
ajbmeb-64	59	6	financial	financial	ADJ
ajbmeb-64	59	7	technology	technology	NOUN
ajbmeb-64	59	8	by	by	ADP
ajbmeb-64	59	9	reviewing	review	VERB
ajbmeb-64	59	10	some	some	DET
ajbmeb-64	59	11	concepts	concept	NOUN
ajbmeb-64	59	12	of	of	ADP
ajbmeb-64	59	13	financial	financial	ADJ
ajbmeb-64	59	14	technology	technology	NOUN
ajbmeb-64	59	15	in	in	ADP
ajbmeb-64	59	16	the	the	DET
ajbmeb-64	59	17	previous	previous	ADJ
ajbmeb-64	59	18	paragraph	paragraph	NOUN
ajbmeb-64	59	19	,	,	PUNCT
ajbmeb-64	59	20	we	we	PRON
ajbmeb-64	59	21	can	can	AUX
ajbmeb-64	59	22	discern	discern	VERB
ajbmeb-64	59	23	the	the	DET
ajbmeb-64	59	24	characteristics	characteristic	NOUN
ajbmeb-64	59	25	of	of	ADP
ajbmeb-64	59	26	this	this	DET
ajbmeb-64	59	27	technology	technology	NOUN
ajbmeb-64	59	28	as	as	SCONJ
ajbmeb-64	59	29	follows	follow	VERB
ajbmeb-64	59	30	:	:	PUNCT
ajbmeb-64	59	31	1it	1it	NOUN
ajbmeb-64	59	32	is	be	AUX
ajbmeb-64	59	33	a	a	DET
ajbmeb-64	59	34	set	set	NOUN
ajbmeb-64	59	35	of	of	ADP
ajbmeb-64	59	36	financial	financial	ADJ
ajbmeb-64	59	37	and	and	CCONJ
ajbmeb-64	59	38	banking	banking	NOUN
ajbmeb-64	59	39	concepts	concept	NOUN
ajbmeb-64	59	40	,	,	PUNCT
ajbmeb-64	59	41	terms	term	NOUN
ajbmeb-64	59	42	,	,	PUNCT
ajbmeb-64	59	43	innovations	innovation	NOUN
ajbmeb-64	59	44	,	,	PUNCT
ajbmeb-64	59	45	and	and	CCONJ
ajbmeb-64	59	46	methods	method	NOUN
ajbmeb-64	59	47	that	that	PRON
ajbmeb-64	59	48	provide	provide	VERB
ajbmeb-64	59	49	the	the	DET
ajbmeb-64	59	50	appropriate	appropriate	ADJ
ajbmeb-64	59	51	environment	environment	NOUN
ajbmeb-64	59	52	for	for	ADP
ajbmeb-64	59	53	banks	bank	NOUN
ajbmeb-64	59	54	and	and	CCONJ
ajbmeb-64	59	55	enable	enable	VERB
ajbmeb-64	59	56	them	they	PRON
ajbmeb-64	59	57	to	to	PART
ajbmeb-64	59	58	achieve	achieve	VERB
ajbmeb-64	59	59	the	the	DET
ajbmeb-64	59	60	desires	desire	NOUN
ajbmeb-64	59	61	and	and	CCONJ
ajbmeb-64	59	62	needs	need	NOUN
ajbmeb-64	59	63	of	of	ADP
ajbmeb-64	59	64	customers	customer	NOUN
ajbmeb-64	59	65	.	.	PUNCT
ajbmeb-64	60	1	2financial	2financial	ADJ
ajbmeb-64	60	2	technology	technology	NOUN
ajbmeb-64	60	3	is	be	AUX
ajbmeb-64	60	4	apparent	apparent	ADJ
ajbmeb-64	60	5	through	through	ADP
ajbmeb-64	60	6	its	its	PRON
ajbmeb-64	60	7	previous	previous	ADJ
ajbmeb-64	60	8	concepts	concept	NOUN
ajbmeb-64	60	9	that	that	SCONJ
ajbmeb-64	60	10	it	it	PRON
ajbmeb-64	60	11	is	be	AUX
ajbmeb-64	60	12	not	not	PART
ajbmeb-64	60	13	a	a	DET
ajbmeb-64	60	14	final	final	ADJ
ajbmeb-64	60	15	target	target	NOUN
ajbmeb-64	60	16	for	for	ADP
ajbmeb-64	60	17	the	the	DET
ajbmeb-64	60	18	banking	banking	NOUN
ajbmeb-64	60	19	system	system	NOUN
ajbmeb-64	60	20	.	.	PUNCT
ajbmeb-64	61	1	instead	instead	ADV
ajbmeb-64	61	2	,	,	PUNCT
ajbmeb-64	61	3	it	it	PRON
ajbmeb-64	61	4	is	be	AUX
ajbmeb-64	61	5	a	a	DET
ajbmeb-64	61	6	means	means	NOUN
ajbmeb-64	61	7	used	use	VERB
ajbmeb-64	61	8	by	by	ADP
ajbmeb-64	61	9	financial	financial	ADJ
ajbmeb-64	61	10	and	and	CCONJ
ajbmeb-64	61	11	banking	banking	NOUN
ajbmeb-64	61	12	institutions	institution	NOUN
ajbmeb-64	61	13	to	to	PART
ajbmeb-64	61	14	achieve	achieve	VERB
ajbmeb-64	61	15	their	their	PRON
ajbmeb-64	61	16	goals	goal	NOUN
ajbmeb-64	61	17	,	,	PUNCT
ajbmeb-64	61	18	the	the	DET
ajbmeb-64	61	19	most	most	ADV
ajbmeb-64	61	20	prominent	prominent	ADJ
ajbmeb-64	61	21	of	of	ADP
ajbmeb-64	61	22	which	which	PRON
ajbmeb-64	61	23	is	be	AUX
ajbmeb-64	61	24	the	the	DET
ajbmeb-64	61	25	employment	employment	NOUN
ajbmeb-64	61	26	of	of	ADP
ajbmeb-64	61	27	innovative	innovative	ADJ
ajbmeb-64	61	28	financial	financial	ADJ
ajbmeb-64	61	29	tools	tool	NOUN
ajbmeb-64	61	30	to	to	PART
ajbmeb-64	61	31	serve	serve	VERB
ajbmeb-64	61	32	individuals	individual	NOUN
ajbmeb-64	61	33	and	and	CCONJ
ajbmeb-64	61	34	institutions	institution	NOUN
ajbmeb-64	61	35	.	.	PUNCT
ajbmeb-64	62	1	3as	3as	NOUN
ajbmeb-64	62	2	one	one	NUM
ajbmeb-64	62	3	of	of	ADP
ajbmeb-64	62	4	the	the	DET
ajbmeb-64	62	5	innovative	innovative	ADJ
ajbmeb-64	62	6	modern	modern	ADJ
ajbmeb-64	62	7	financial	financial	ADJ
ajbmeb-64	62	8	tools	tool	NOUN
ajbmeb-64	62	9	,	,	PUNCT
ajbmeb-64	62	10	financial	financial	ADJ
ajbmeb-64	62	11	technology	technology	NOUN
ajbmeb-64	62	12	is	be	AUX
ajbmeb-64	62	13	not	not	PART
ajbmeb-64	62	14	only	only	ADV
ajbmeb-64	62	15	applied	apply	VERB
ajbmeb-64	62	16	in	in	ADP
ajbmeb-64	62	17	providing	provide	VERB
ajbmeb-64	62	18	financial	financial	ADJ
ajbmeb-64	62	19	and	and	CCONJ
ajbmeb-64	62	20	banking	banking	NOUN
ajbmeb-64	62	21	services	service	NOUN
ajbmeb-64	62	22	,	,	PUNCT
ajbmeb-64	62	23	but	but	CCONJ
ajbmeb-64	62	24	its	its	PRON
ajbmeb-64	62	25	impact	impact	NOUN
ajbmeb-64	62	26	extends	extend	VERB
ajbmeb-64	62	27	to	to	ADP
ajbmeb-64	62	28	the	the	DET
ajbmeb-64	62	29	development	development	NOUN
ajbmeb-64	62	30	of	of	ADP
ajbmeb-64	62	31	administrative	administrative	ADJ
ajbmeb-64	62	32	methods	method	NOUN
ajbmeb-64	62	33	in	in	ADP
ajbmeb-64	62	34	managing	manage	VERB
ajbmeb-64	62	35	banking	banking	NOUN
ajbmeb-64	62	36	operations	operation	NOUN
ajbmeb-64	62	37	.	.	PUNCT
ajbmeb-64	63	1	4financial	4financial	ADJ
ajbmeb-64	63	2	technology	technology	NOUN
ajbmeb-64	63	3	creates	create	VERB
ajbmeb-64	63	4	massive	massive	ADJ
ajbmeb-64	63	5	databases	database	NOUN
ajbmeb-64	63	6	and	and	CCONJ
ajbmeb-64	63	7	enables	enable	VERB
ajbmeb-64	63	8	customers	customer	NOUN
ajbmeb-64	63	9	to	to	PART
ajbmeb-64	63	10	access	access	VERB
ajbmeb-64	63	11	these	these	DET
ajbmeb-64	63	12	databases	database	NOUN
ajbmeb-64	63	13	and	and	CCONJ
ajbmeb-64	63	14	benefit	benefit	VERB
ajbmeb-64	63	15	from	from	ADP
ajbmeb-64	63	16	them	they	PRON
ajbmeb-64	63	17	in	in	ADP
ajbmeb-64	63	18	obtaining	obtain	VERB
ajbmeb-64	63	19	other	other	ADJ
ajbmeb-64	63	20	banking	banking	NOUN
ajbmeb-64	63	21	services	service	NOUN
ajbmeb-64	63	22	without	without	ADP
ajbmeb-64	63	23	using	use	VERB
ajbmeb-64	63	24	the	the	DET
ajbmeb-64	63	25	routine	routine	ADJ
ajbmeb-64	63	26	methods	method	NOUN
ajbmeb-64	63	27	applicable	applicable	ADJ
ajbmeb-64	63	28	in	in	ADP
ajbmeb-64	63	29	banks	bank	NOUN
ajbmeb-64	63	30	.	.	PUNCT
ajbmeb-64	64	1	5financial	5financial	ADJ
ajbmeb-64	64	2	technology	technology	NOUN
ajbmeb-64	64	3	is	be	AUX
ajbmeb-64	64	4	a	a	DET
ajbmeb-64	64	5	working	working	NOUN
ajbmeb-64	64	6	method	method	NOUN
ajbmeb-64	64	7	for	for	ADP
ajbmeb-64	64	8	developing	develop	VERB
ajbmeb-64	64	9	financial	financial	ADJ
ajbmeb-64	64	10	and	and	CCONJ
ajbmeb-64	64	11	banking	banking	NOUN
ajbmeb-64	64	12	services	service	NOUN
ajbmeb-64	64	13	and	and	CCONJ
ajbmeb-64	64	14	making	make	VERB
ajbmeb-64	64	15	them	they	PRON
ajbmeb-64	64	16	available	available	ADJ
ajbmeb-64	64	17	on	on	ADP
ajbmeb-64	64	18	a	a	DET
ajbmeb-64	64	19	large	large	ADJ
ajbmeb-64	64	20	scale	scale	NOUN
ajbmeb-64	64	21	to	to	PART
ajbmeb-64	64	22	provide	provide	VERB
ajbmeb-64	64	23	financial	financial	ADJ
ajbmeb-64	64	24	and	and	CCONJ
ajbmeb-64	64	25	banking	banking	NOUN
ajbmeb-64	64	26	services	service	NOUN
ajbmeb-64	64	27	to	to	ADP
ajbmeb-64	64	28	individuals	individual	NOUN
ajbmeb-64	64	29	and	and	CCONJ
ajbmeb-64	64	30	institutions	institution	NOUN
ajbmeb-64	64	31	.	.	PUNCT
ajbmeb-64	65	1	american	american	PROPN
ajbmeb-64	65	2	journal	journal	PROPN
ajbmeb-64	65	3	of	of	ADP
ajbmeb-64	65	4	business	business	NOUN
ajbmeb-64	65	5	management	management	NOUN
ajbmeb-64	65	6	,	,	PUNCT
ajbmeb-64	65	7	economics	economic	NOUN
ajbmeb-64	65	8	and	and	CCONJ
ajbmeb-64	65	9	banking	banking	NOUN
ajbmeb-64	65	10	volume	volume	NOUN
ajbmeb-64	65	11	4	4	NUM
ajbmeb-64	65	12	,	,	PUNCT
ajbmeb-64	65	13	sep	sep	PROPN
ajbmeb-64	65	14	.	.	PROPN
ajbmeb-64	65	15	,	,	PUNCT
ajbmeb-64	65	16	2022	2022	NUM
ajbmeb-64	65	17	p	p	NOUN
ajbmeb-64	65	18	a	a	DET
ajbmeb-64	65	19	g	g	NOUN
ajbmeb-64	65	20	e	e	NOUN
ajbmeb-64	66	1	|	|	ADV
ajbmeb-64	66	2	5	5	NUM
ajbmeb-64	66	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	66	4	third	third	NOUN
ajbmeb-64	66	5	:	:	PUNCT
ajbmeb-64	66	6	the	the	DET
ajbmeb-64	66	7	challenges	challenge	NOUN
ajbmeb-64	66	8	facing	face	VERB
ajbmeb-64	66	9	financial	financial	ADJ
ajbmeb-64	66	10	technology	technology	NOUN
ajbmeb-64	66	11	there	there	PRON
ajbmeb-64	66	12	are	be	VERB
ajbmeb-64	66	13	a	a	DET
ajbmeb-64	66	14	number	number	NOUN
ajbmeb-64	66	15	of	of	ADP
ajbmeb-64	66	16	challenges	challenge	NOUN
ajbmeb-64	66	17	facing	face	VERB
ajbmeb-64	66	18	the	the	DET
ajbmeb-64	66	19	application	application	NOUN
ajbmeb-64	66	20	of	of	ADP
ajbmeb-64	66	21	financial	financial	ADJ
ajbmeb-64	66	22	technology	technology	NOUN
ajbmeb-64	66	23	,	,	PUNCT
ajbmeb-64	66	24	as	as	SCONJ
ajbmeb-64	66	25	it	it	PRON
ajbmeb-64	66	26	is	be	AUX
ajbmeb-64	66	27	one	one	NUM
ajbmeb-64	66	28	of	of	ADP
ajbmeb-64	66	29	the	the	DET
ajbmeb-64	66	30	methods	method	NOUN
ajbmeb-64	66	31	of	of	ADP
ajbmeb-64	66	32	developing	develop	VERB
ajbmeb-64	66	33	banking	banking	NOUN
ajbmeb-64	66	34	and	and	CCONJ
ajbmeb-64	66	35	financial	financial	ADJ
ajbmeb-64	66	36	work	work	NOUN
ajbmeb-64	66	37	.	.	PUNCT
ajbmeb-64	67	1	these	these	DET
ajbmeb-64	67	2	difficulties	difficulty	NOUN
ajbmeb-64	67	3	or	or	CCONJ
ajbmeb-64	67	4	challenges	challenge	NOUN
ajbmeb-64	67	5	can	can	AUX
ajbmeb-64	67	6	be	be	AUX
ajbmeb-64	67	7	summarized	summarize	VERB
ajbmeb-64	67	8	as	as	SCONJ
ajbmeb-64	67	9	follows	follow	VERB
ajbmeb-64	67	10	(	(	PUNCT
ajbmeb-64	67	11	central	central	ADJ
ajbmeb-64	67	12	bank	bank	NOUN
ajbmeb-64	67	13	of	of	ADP
ajbmeb-64	67	14	iraq	iraq	PROPN
ajbmeb-64	67	15	,	,	PUNCT
ajbmeb-64	67	16	2017	2017	NUM
ajbmeb-64	67	17	,	,	PUNCT
ajbmeb-64	67	18	83	83	NUM
ajbmeb-64	67	19	)	)	PUNCT
ajbmeb-64	67	20	(	(	PUNCT
ajbmeb-64	67	21	awqasem	awqasem	PROPN
ajbmeb-64	67	22	,	,	PUNCT
ajbmeb-64	67	23	abdel	abdel	PROPN
ajbmeb-64	67	24	rahim	rahim	PROPN
ajbmeb-64	67	25	,	,	PUNCT
ajbmeb-64	67	26	2019	2019	NUM
ajbmeb-64	67	27	,	,	PUNCT
ajbmeb-64	67	28	329	329	NUM
ajbmeb-64	67	29	):	):	PUNCT
ajbmeb-64	67	30	1the	1the	NUM
ajbmeb-64	67	31	fierce	fierce	ADJ
ajbmeb-64	67	32	competition	competition	NOUN
ajbmeb-64	67	33	between	between	ADP
ajbmeb-64	67	34	a	a	DET
ajbmeb-64	67	35	large	large	ADJ
ajbmeb-64	67	36	number	number	NOUN
ajbmeb-64	67	37	of	of	ADP
ajbmeb-64	67	38	financial	financial	ADJ
ajbmeb-64	67	39	technology	technology	NOUN
ajbmeb-64	67	40	companies	company	NOUN
ajbmeb-64	67	41	arises	arise	VERB
ajbmeb-64	67	42	due	due	ADJ
ajbmeb-64	67	43	to	to	ADP
ajbmeb-64	67	44	the	the	DET
ajbmeb-64	67	45	presence	presence	NOUN
ajbmeb-64	67	46	of	of	ADP
ajbmeb-64	67	47	a	a	DET
ajbmeb-64	67	48	large	large	ADJ
ajbmeb-64	67	49	number	number	NOUN
ajbmeb-64	67	50	of	of	ADP
ajbmeb-64	67	51	these	these	DET
ajbmeb-64	67	52	companies	company	NOUN
ajbmeb-64	67	53	,	,	PUNCT
ajbmeb-64	67	54	which	which	PRON
ajbmeb-64	67	55	seek	seek	VERB
ajbmeb-64	67	56	to	to	PART
ajbmeb-64	67	57	provide	provide	VERB
ajbmeb-64	67	58	modern	modern	ADJ
ajbmeb-64	67	59	financial	financial	ADJ
ajbmeb-64	67	60	innovations	innovation	NOUN
ajbmeb-64	67	61	,	,	PUNCT
ajbmeb-64	67	62	especially	especially	ADV
ajbmeb-64	67	63	in	in	ADP
ajbmeb-64	67	64	the	the	DET
ajbmeb-64	67	65	field	field	NOUN
ajbmeb-64	67	66	of	of	ADP
ajbmeb-64	67	67	financial	financial	ADJ
ajbmeb-64	67	68	and	and	CCONJ
ajbmeb-64	67	69	banking	banking	NOUN
ajbmeb-64	67	70	work	work	NOUN
ajbmeb-64	67	71	.	.	PUNCT
ajbmeb-64	68	1	2regulatory	2regulatory	NUM
ajbmeb-64	68	2	reporting	reporting	NOUN
ajbmeb-64	68	3	and	and	CCONJ
ajbmeb-64	68	4	compliance	compliance	NOUN
ajbmeb-64	68	5	requirements	requirement	NOUN
ajbmeb-64	68	6	within	within	ADP
ajbmeb-64	68	7	the	the	DET
ajbmeb-64	68	8	financial	financial	ADJ
ajbmeb-64	68	9	services	service	NOUN
ajbmeb-64	68	10	sector	sector	NOUN
ajbmeb-64	68	11	are	be	AUX
ajbmeb-64	68	12	added	add	VERB
ajbmeb-64	68	13	to	to	ADP
ajbmeb-64	68	14	the	the	DET
ajbmeb-64	68	15	first	first	ADJ
ajbmeb-64	68	16	challenge	challenge	ADJ
ajbmeb-64	68	17	financial	financial	ADJ
ajbmeb-64	68	18	technology	technology	NOUN
ajbmeb-64	68	19	company	company	NOUN
ajbmeb-64	68	20	's	's	PART
ajbmeb-64	68	21	face	face	NOUN
ajbmeb-64	68	22	.	.	PUNCT
ajbmeb-64	69	1	3the	3the	DET
ajbmeb-64	69	2	other	other	ADJ
ajbmeb-64	69	3	challenge	challenge	NOUN
ajbmeb-64	69	4	is	be	AUX
ajbmeb-64	69	5	creating	create	VERB
ajbmeb-64	69	6	a	a	DET
ajbmeb-64	69	7	unified	unified	ADJ
ajbmeb-64	69	8	work	work	NOUN
ajbmeb-64	69	9	environment	environment	NOUN
ajbmeb-64	69	10	that	that	PRON
ajbmeb-64	69	11	includes	include	VERB
ajbmeb-64	69	12	banks	bank	NOUN
ajbmeb-64	69	13	and	and	CCONJ
ajbmeb-64	69	14	non	non	ADJ
ajbmeb-64	69	15	-	-	ADJ
ajbmeb-64	69	16	bank	bank	ADJ
ajbmeb-64	69	17	financial	financial	ADJ
ajbmeb-64	69	18	service	service	NOUN
ajbmeb-64	69	19	providers	provider	NOUN
ajbmeb-64	69	20	to	to	PART
ajbmeb-64	69	21	work	work	VERB
ajbmeb-64	69	22	under	under	ADP
ajbmeb-64	69	23	a	a	DET
ajbmeb-64	69	24	unified	unified	ADJ
ajbmeb-64	69	25	regulatory	regulatory	ADJ
ajbmeb-64	69	26	framework	framework	NOUN
ajbmeb-64	69	27	that	that	PRON
ajbmeb-64	69	28	allows	allow	VERB
ajbmeb-64	69	29	indirect	indirect	ADJ
ajbmeb-64	69	30	matching	matching	NOUN
ajbmeb-64	69	31	between	between	ADP
ajbmeb-64	69	32	borrowers	borrower	NOUN
ajbmeb-64	69	33	and	and	CCONJ
ajbmeb-64	69	34	investors	investor	NOUN
ajbmeb-64	69	35	.	.	PUNCT
ajbmeb-64	70	1	fintech	fintech	NOUN
ajbmeb-64	70	2	startups	startup	NOUN
ajbmeb-64	70	3	should	should	AUX
ajbmeb-64	70	4	respect	respect	VERB
ajbmeb-64	70	5	the	the	DET
ajbmeb-64	70	6	regulatory	regulatory	ADJ
ajbmeb-64	70	7	considerations	consideration	NOUN
ajbmeb-64	70	8	imposed	impose	VERB
ajbmeb-64	70	9	by	by	ADP
ajbmeb-64	70	10	the	the	DET
ajbmeb-64	70	11	legislative	legislative	ADJ
ajbmeb-64	70	12	authorities	authority	NOUN
ajbmeb-64	70	13	.	.	PUNCT
ajbmeb-64	71	1	4the	4the	NUM
ajbmeb-64	71	2	main	main	ADJ
ajbmeb-64	71	3	objective	objective	NOUN
ajbmeb-64	71	4	of	of	ADP
ajbmeb-64	71	5	financial	financial	ADJ
ajbmeb-64	71	6	technology	technology	NOUN
ajbmeb-64	71	7	is	be	AUX
ajbmeb-64	71	8	to	to	PART
ajbmeb-64	71	9	provide	provide	VERB
ajbmeb-64	71	10	a	a	DET
ajbmeb-64	71	11	suitable	suitable	ADJ
ajbmeb-64	71	12	environment	environment	NOUN
ajbmeb-64	71	13	for	for	ADP
ajbmeb-64	71	14	banking	banking	NOUN
ajbmeb-64	71	15	work	work	NOUN
ajbmeb-64	71	16	to	to	PART
ajbmeb-64	71	17	reduce	reduce	VERB
ajbmeb-64	71	18	costs	cost	NOUN
ajbmeb-64	71	19	,	,	PUNCT
ajbmeb-64	71	20	effort	effort	NOUN
ajbmeb-64	71	21	,	,	PUNCT
ajbmeb-64	71	22	and	and	CCONJ
ajbmeb-64	71	23	time	time	NOUN
ajbmeb-64	71	24	.	.	PUNCT
ajbmeb-64	72	1	furthermore	furthermore	ADV
ajbmeb-64	72	2	,	,	PUNCT
ajbmeb-64	72	3	gain	gain	VERB
ajbmeb-64	72	4	more	more	ADJ
ajbmeb-64	72	5	knowledge	knowledge	NOUN
ajbmeb-64	72	6	accumulation	accumulation	NOUN
ajbmeb-64	72	7	of	of	ADP
ajbmeb-64	72	8	intangible	intangible	ADJ
ajbmeb-64	72	9	assets	asset	NOUN
ajbmeb-64	72	10	that	that	PRON
ajbmeb-64	72	11	are	be	AUX
ajbmeb-64	72	12	difficult	difficult	ADJ
ajbmeb-64	72	13	to	to	PART
ajbmeb-64	72	14	evaluate	evaluate	VERB
ajbmeb-64	72	15	in	in	ADP
ajbmeb-64	72	16	the	the	DET
ajbmeb-64	72	17	capital	capital	NOUN
ajbmeb-64	72	18	markets	market	NOUN
ajbmeb-64	72	19	.	.	PUNCT
ajbmeb-64	73	1	this	this	PRON
ajbmeb-64	73	2	creates	create	VERB
ajbmeb-64	73	3	an	an	DET
ajbmeb-64	73	4	atmosphere	atmosphere	NOUN
ajbmeb-64	73	5	of	of	ADP
ajbmeb-64	73	6	uncertainty	uncertainty	NOUN
ajbmeb-64	73	7	surrounding	surround	VERB
ajbmeb-64	73	8	the	the	DET
ajbmeb-64	73	9	banking	banking	NOUN
ajbmeb-64	73	10	and	and	CCONJ
ajbmeb-64	73	11	financial	financial	ADJ
ajbmeb-64	73	12	industry	industry	NOUN
ajbmeb-64	73	13	,	,	PUNCT
ajbmeb-64	73	14	raising	raise	VERB
ajbmeb-64	73	15	serious	serious	ADJ
ajbmeb-64	73	16	questions	question	NOUN
ajbmeb-64	73	17	about	about	ADP
ajbmeb-64	73	18	financial	financial	ADJ
ajbmeb-64	73	19	coordination	coordination	NOUN
ajbmeb-64	73	20	at	at	ADP
ajbmeb-64	73	21	the	the	DET
ajbmeb-64	73	22	national	national	ADJ
ajbmeb-64	73	23	and	and	CCONJ
ajbmeb-64	73	24	international	international	ADJ
ajbmeb-64	73	25	levels	level	NOUN
ajbmeb-64	73	26	.	.	PUNCT
ajbmeb-64	74	1	5despite	5despite	NUM
ajbmeb-64	74	2	the	the	DET
ajbmeb-64	74	3	many	many	ADJ
ajbmeb-64	74	4	advantages	advantage	NOUN
ajbmeb-64	74	5	of	of	ADP
ajbmeb-64	74	6	financial	financial	ADJ
ajbmeb-64	74	7	technology	technology	NOUN
ajbmeb-64	74	8	,	,	PUNCT
ajbmeb-64	74	9	it	it	PRON
ajbmeb-64	74	10	may	may	AUX
ajbmeb-64	74	11	pose	pose	VERB
ajbmeb-64	74	12	a	a	DET
ajbmeb-64	74	13	real	real	ADJ
ajbmeb-64	74	14	threat	threat	NOUN
ajbmeb-64	74	15	to	to	ADP
ajbmeb-64	74	16	stabilizing	stabilize	VERB
ajbmeb-64	74	17	the	the	DET
ajbmeb-64	74	18	financial	financial	ADJ
ajbmeb-64	74	19	system	system	NOUN
ajbmeb-64	74	20	.	.	PUNCT
ajbmeb-64	75	1	global	global	ADJ
ajbmeb-64	75	2	interdependence	interdependence	NOUN
ajbmeb-64	75	3	represents	represent	VERB
ajbmeb-64	75	4	the	the	DET
ajbmeb-64	75	5	threat	threat	NOUN
ajbmeb-64	75	6	financial	financial	ADJ
ajbmeb-64	75	7	technology	technology	NOUN
ajbmeb-64	75	8	poses	pose	VERB
ajbmeb-64	75	9	to	to	ADP
ajbmeb-64	75	10	financial	financial	ADJ
ajbmeb-64	75	11	markets	market	NOUN
ajbmeb-64	75	12	and	and	CCONJ
ajbmeb-64	75	13	financial	financial	ADJ
ajbmeb-64	75	14	instruments	instrument	NOUN
ajbmeb-64	75	15	.	.	PUNCT
ajbmeb-64	76	1	thus	thus	ADV
ajbmeb-64	76	2	,	,	PUNCT
ajbmeb-64	76	3	it	it	PRON
ajbmeb-64	76	4	is	be	AUX
ajbmeb-64	76	5	reflected	reflect	VERB
ajbmeb-64	76	6	in	in	ADP
ajbmeb-64	76	7	the	the	DET
ajbmeb-64	76	8	financial	financial	ADJ
ajbmeb-64	76	9	instability	instability	NOUN
ajbmeb-64	76	10	due	due	ADP
ajbmeb-64	76	11	to	to	ADP
ajbmeb-64	76	12	the	the	DET
ajbmeb-64	76	13	role	role	NOUN
ajbmeb-64	76	14	that	that	PRON
ajbmeb-64	76	15	financial	financial	ADJ
ajbmeb-64	76	16	technology	technology	NOUN
ajbmeb-64	76	17	plays	play	VERB
ajbmeb-64	76	18	in	in	ADP
ajbmeb-64	76	19	the	the	DET
ajbmeb-64	76	20	intricately	intricately	ADV
ajbmeb-64	76	21	interconnected	interconnected	ADJ
ajbmeb-64	76	22	networks	network	NOUN
ajbmeb-64	76	23	of	of	ADP
ajbmeb-64	76	24	international	international	ADJ
ajbmeb-64	76	25	transactions	transaction	NOUN
ajbmeb-64	76	26	.	.	PUNCT
ajbmeb-64	77	1	this	this	PRON
ajbmeb-64	77	2	makes	make	VERB
ajbmeb-64	77	3	the	the	DET
ajbmeb-64	77	4	association	association	NOUN
ajbmeb-64	77	5	rules	rule	NOUN
ajbmeb-64	77	6	work	work	VERB
ajbmeb-64	77	7	passively	passively	ADV
ajbmeb-64	77	8	.	.	PUNCT
ajbmeb-64	78	1	the	the	DET
ajbmeb-64	78	2	second	second	ADJ
ajbmeb-64	78	3	topic	topic	NOUN
ajbmeb-64	78	4	the	the	DET
ajbmeb-64	78	5	volume	volume	NOUN
ajbmeb-64	78	6	of	of	ADP
ajbmeb-64	78	7	investments	investment	NOUN
ajbmeb-64	78	8	in	in	ADP
ajbmeb-64	78	9	financial	financial	ADJ
ajbmeb-64	78	10	technology	technology	NOUN
ajbmeb-64	78	11	across	across	ADP
ajbmeb-64	78	12	the	the	DET
ajbmeb-64	78	13	world	world	NOUN
ajbmeb-64	78	14	the	the	DET
ajbmeb-64	78	15	world	world	NOUN
ajbmeb-64	78	16	has	have	AUX
ajbmeb-64	78	17	witnessed	witness	VERB
ajbmeb-64	78	18	a	a	DET
ajbmeb-64	78	19	remarkable	remarkable	ADJ
ajbmeb-64	78	20	development	development	NOUN
ajbmeb-64	78	21	in	in	ADP
ajbmeb-64	78	22	the	the	DET
ajbmeb-64	78	23	volume	volume	NOUN
ajbmeb-64	78	24	of	of	ADP
ajbmeb-64	78	25	investments	investment	NOUN
ajbmeb-64	78	26	in	in	ADP
ajbmeb-64	78	27	modern	modern	ADJ
ajbmeb-64	78	28	financial	financial	ADJ
ajbmeb-64	78	29	innovations	innovation	NOUN
ajbmeb-64	78	30	,	,	PUNCT
ajbmeb-64	78	31	especially	especially	ADV
ajbmeb-64	78	32	in	in	ADP
ajbmeb-64	78	33	the	the	DET
ajbmeb-64	78	34	field	field	NOUN
ajbmeb-64	78	35	of	of	ADP
ajbmeb-64	78	36	financial	financial	ADJ
ajbmeb-64	78	37	technology	technology	NOUN
ajbmeb-64	78	38	(	(	PUNCT
ajbmeb-64	78	39	fintech	fintech	NOUN
ajbmeb-64	78	40	)	)	PUNCT
ajbmeb-64	78	41	.	.	PUNCT
ajbmeb-64	79	1	the	the	DET
ajbmeb-64	79	2	volume	volume	NOUN
ajbmeb-64	79	3	of	of	ADP
ajbmeb-64	79	4	investments	investment	NOUN
ajbmeb-64	79	5	in	in	ADP
ajbmeb-64	79	6	financial	financial	ADJ
ajbmeb-64	79	7	technology	technology	NOUN
ajbmeb-64	79	8	increased	increase	VERB
ajbmeb-64	79	9	from	from	ADP
ajbmeb-64	79	10	928	928	NUM
ajbmeb-64	79	11	million	million	NUM
ajbmeb-64	79	12	dollars	dollar	NOUN
ajbmeb-64	79	13	in	in	ADP
ajbmeb-64	79	14	2008	2008	NUM
ajbmeb-64	79	15	to	to	ADP
ajbmeb-64	79	16	4	4	NUM
ajbmeb-64	79	17	billion	billion	NUM
ajbmeb-64	79	18	dollars	dollar	NOUN
ajbmeb-64	79	19	in	in	ADP
ajbmeb-64	79	20	2013	2013	NUM
ajbmeb-64	79	21	.	.	PUNCT
ajbmeb-64	80	1	then	then	ADV
ajbmeb-64	80	2	the	the	DET
ajbmeb-64	80	3	volume	volume	NOUN
ajbmeb-64	80	4	of	of	ADP
ajbmeb-64	80	5	investments	investment	NOUN
ajbmeb-64	80	6	in	in	ADP
ajbmeb-64	80	7	this	this	DET
ajbmeb-64	80	8	field	field	NOUN
ajbmeb-64	80	9	increased	increase	VERB
ajbmeb-64	80	10	to	to	ADP
ajbmeb-64	80	11	20	20	NUM
ajbmeb-64	80	12	billion	billion	NUM
ajbmeb-64	80	13	dollars	dollar	NOUN
ajbmeb-64	80	14	in	in	ADP
ajbmeb-64	80	15	2015	2015	NUM
ajbmeb-64	80	16	,	,	PUNCT
ajbmeb-64	80	17	according	accord	VERB
ajbmeb-64	80	18	to	to	ADP
ajbmeb-64	80	19	the	the	DET
ajbmeb-64	80	20	research	research	NOUN
ajbmeb-64	80	21	company	company	NOUN
ajbmeb-64	80	22	(	(	PUNCT
ajbmeb-64	80	23	valuead	valuead	NOUN
ajbmeb-64	80	24	)	)	PUNCT
ajbmeb-64	80	25	.	.	PUNCT
ajbmeb-64	81	1	the	the	DET
ajbmeb-64	81	2	volume	volume	NOUN
ajbmeb-64	81	3	of	of	ADP
ajbmeb-64	81	4	investment	investment	NOUN
ajbmeb-64	81	5	in	in	ADP
ajbmeb-64	81	6	financial	financial	ADJ
ajbmeb-64	81	7	technology	technology	NOUN
ajbmeb-64	81	8	reached	reach	VERB
ajbmeb-64	81	9	its	its	PRON
ajbmeb-64	81	10	peak	peak	NOUN
ajbmeb-64	81	11	in	in	ADP
ajbmeb-64	81	12	2020	2020	NUM
ajbmeb-64	81	13	when	when	SCONJ
ajbmeb-64	81	14	the	the	DET
ajbmeb-64	81	15	amount	amount	NOUN
ajbmeb-64	81	16	of	of	ADP
ajbmeb-64	81	17	investments	investment	NOUN
ajbmeb-64	81	18	in	in	ADP
ajbmeb-64	81	19	financial	financial	ADJ
ajbmeb-64	81	20	technology	technology	NOUN
ajbmeb-64	81	21	was	be	AUX
ajbmeb-64	81	22	estimated	estimate	VERB
ajbmeb-64	81	23	at	at	ADP
ajbmeb-64	81	24	$	$	SYM
ajbmeb-64	81	25	46	46	NUM
ajbmeb-64	81	26	billion	billion	NUM
ajbmeb-64	81	27	.	.	PUNCT
ajbmeb-64	82	1	the	the	DET
ajbmeb-64	82	2	following	follow	VERB
ajbmeb-64	82	3	figure	figure	NOUN
ajbmeb-64	82	4	shows	show	VERB
ajbmeb-64	82	5	the	the	DET
ajbmeb-64	82	6	development	development	NOUN
ajbmeb-64	82	7	in	in	ADP
ajbmeb-64	82	8	the	the	DET
ajbmeb-64	82	9	volume	volume	NOUN
ajbmeb-64	82	10	of	of	ADP
ajbmeb-64	82	11	investments	investment	NOUN
ajbmeb-64	82	12	in	in	ADP
ajbmeb-64	82	13	financial	financial	ADJ
ajbmeb-64	82	14	technology	technology	NOUN
ajbmeb-64	82	15	in	in	ADP
ajbmeb-64	82	16	the	the	DET
ajbmeb-64	82	17	world	world	NOUN
ajbmeb-64	82	18	.	.	PUNCT
ajbmeb-64	83	1	figure	figure	VERB
ajbmeb-64	83	2	1	1	NUM
ajbmeb-64	83	3	investments	investment	NOUN
ajbmeb-64	83	4	in	in	ADP
ajbmeb-64	83	5	fintech	fintech	NOUN
ajbmeb-64	83	6	2008	2008	NUM
ajbmeb-64	83	7	-	-	SYM
ajbmeb-64	83	8	2020	2020	NUM
ajbmeb-64	83	9	"	"	PUNCT
ajbmeb-64	83	10	billion	billion	NUM
ajbmeb-64	83	11	dollars	dollar	NOUN
ajbmeb-64	83	12	"	"	PUNCT
ajbmeb-64	83	13	source	source	NOUN
ajbmeb-64	83	14	:	:	PUNCT
ajbmeb-64	83	15	money	money	NOUN
ajbmeb-64	83	16	of	of	ADP
ajbmeb-64	83	17	the	the	DET
ajbmeb-64	83	18	future	future	ADJ
ajbmeb-64	83	19	report	report	NOUN
ajbmeb-64	83	20	0.743	0.743	NUM
ajbmeb-64	83	21	1.8	1.8	NUM
ajbmeb-64	83	22	2.4	2.4	NUM
ajbmeb-64	83	23	2.7	2.7	NUM
ajbmeb-64	83	24	4	4	NUM
ajbmeb-64	83	25	12	12	NUM
ajbmeb-64	83	26	20	20	NUM
ajbmeb-64	83	27	19	19	NUM
ajbmeb-64	83	28	46	46	NUM
ajbmeb-64	83	29	0	0	NUM
ajbmeb-64	83	30	10	10	NUM
ajbmeb-64	83	31	20	20	NUM
ajbmeb-64	83	32	30	30	NUM
ajbmeb-64	83	33	40	40	NUM
ajbmeb-64	83	34	50	50	NUM
ajbmeb-64	83	35	2008	2008	NUM
ajbmeb-64	83	36	2010	2010	NUM
ajbmeb-64	83	37	2011	2011	NUM
ajbmeb-64	83	38	2012	2012	NUM
ajbmeb-64	83	39	2013	2013	NUM
ajbmeb-64	83	40	2014	2014	NUM
ajbmeb-64	83	41	2015	2015	NUM
ajbmeb-64	83	42	2016	2016	NUM
ajbmeb-64	83	43	2020	2020	NUM
ajbmeb-64	83	44	american	american	PROPN
ajbmeb-64	83	45	journal	journal	PROPN
ajbmeb-64	83	46	of	of	ADP
ajbmeb-64	83	47	business	business	NOUN
ajbmeb-64	83	48	management	management	NOUN
ajbmeb-64	83	49	,	,	PUNCT
ajbmeb-64	83	50	economics	economic	NOUN
ajbmeb-64	83	51	and	and	CCONJ
ajbmeb-64	83	52	banking	banking	NOUN
ajbmeb-64	83	53	volume	volume	NOUN
ajbmeb-64	83	54	4	4	NUM
ajbmeb-64	83	55	,	,	PUNCT
ajbmeb-64	83	56	sep	sep	PROPN
ajbmeb-64	83	57	.	.	PROPN
ajbmeb-64	83	58	,	,	PUNCT
ajbmeb-64	83	59	2022	2022	NUM
ajbmeb-64	84	1	p	p	NOUN
ajbmeb-64	84	2	a	a	PRON
ajbmeb-64	84	3	g	g	NOUN
ajbmeb-64	84	4	e	e	NOUN
ajbmeb-64	84	5	|	|	ADV
ajbmeb-64	84	6	6	6	NUM
ajbmeb-64	84	7	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	84	8	from	from	ADP
ajbmeb-64	84	9	the	the	DET
ajbmeb-64	84	10	previous	previous	ADJ
ajbmeb-64	84	11	figure	figure	NOUN
ajbmeb-64	84	12	,	,	PUNCT
ajbmeb-64	84	13	the	the	DET
ajbmeb-64	84	14	extent	extent	NOUN
ajbmeb-64	84	15	of	of	ADP
ajbmeb-64	84	16	progress	progress	NOUN
ajbmeb-64	84	17	in	in	ADP
ajbmeb-64	84	18	the	the	DET
ajbmeb-64	84	19	field	field	NOUN
ajbmeb-64	84	20	of	of	ADP
ajbmeb-64	84	21	investment	investment	NOUN
ajbmeb-64	84	22	in	in	ADP
ajbmeb-64	84	23	financial	financial	ADJ
ajbmeb-64	84	24	technology	technology	NOUN
ajbmeb-64	84	25	is	be	AUX
ajbmeb-64	84	26	evident	evident	ADJ
ajbmeb-64	84	27	.	.	PUNCT
ajbmeb-64	85	1	investments	investment	NOUN
ajbmeb-64	85	2	in	in	ADP
ajbmeb-64	85	3	fintech	fintech	NOUN
ajbmeb-64	85	4	increased	increase	VERB
ajbmeb-64	85	5	from	from	ADP
ajbmeb-64	85	6	$	$	SYM
ajbmeb-64	85	7	0.743	0.743	NUM
ajbmeb-64	85	8	million	million	NUM
ajbmeb-64	85	9	in	in	ADP
ajbmeb-64	85	10	2008	2008	NUM
ajbmeb-64	85	11	to	to	ADP
ajbmeb-64	85	12	$	$	SYM
ajbmeb-64	85	13	46	46	NUM
ajbmeb-64	85	14	billion	billion	NUM
ajbmeb-64	85	15	in	in	ADP
ajbmeb-64	85	16	2020	2020	NUM
ajbmeb-64	85	17	.	.	PUNCT
ajbmeb-64	86	1	it	it	PRON
ajbmeb-64	86	2	is	be	AUX
ajbmeb-64	86	3	worth	worth	ADJ
ajbmeb-64	86	4	noting	note	VERB
ajbmeb-64	86	5	that	that	SCONJ
ajbmeb-64	86	6	venture	venture	NOUN
ajbmeb-64	86	7	capital	capital	NOUN
ajbmeb-64	86	8	companies	company	NOUN
ajbmeb-64	86	9	contribute	contribute	VERB
ajbmeb-64	86	10	24	24	NUM
ajbmeb-64	86	11	%	%	NOUN
ajbmeb-64	86	12	of	of	ADP
ajbmeb-64	86	13	the	the	DET
ajbmeb-64	86	14	total	total	ADJ
ajbmeb-64	86	15	investments	investment	NOUN
ajbmeb-64	86	16	in	in	ADP
ajbmeb-64	86	17	financial	financial	ADJ
ajbmeb-64	86	18	technology	technology	NOUN
ajbmeb-64	86	19	.	.	PUNCT
ajbmeb-64	87	1	private	private	ADJ
ajbmeb-64	87	2	equity	equity	NOUN
ajbmeb-64	87	3	companies	company	NOUN
ajbmeb-64	87	4	contribute	contribute	VERB
ajbmeb-64	87	5	15	15	NUM
ajbmeb-64	87	6	%	%	NOUN
ajbmeb-64	87	7	.	.	PUNCT
ajbmeb-64	88	1	moreover	moreover	ADV
ajbmeb-64	88	2	,	,	PUNCT
ajbmeb-64	88	3	enterprising	enterprise	VERB
ajbmeb-64	88	4	investors	investor	NOUN
ajbmeb-64	88	5	contribute	contribute	VERB
ajbmeb-64	88	6	12	12	NUM
ajbmeb-64	88	7	%	%	NOUN
ajbmeb-64	88	8	.	.	PUNCT
ajbmeb-64	89	1	also	also	ADV
ajbmeb-64	89	2	,	,	PUNCT
ajbmeb-64	89	3	49	49	NUM
ajbmeb-64	89	4	%	%	NOUN
ajbmeb-64	89	5	of	of	ADP
ajbmeb-64	89	6	other	other	ADJ
ajbmeb-64	89	7	investors	investor	NOUN
ajbmeb-64	89	8	contribute	contribute	VERB
ajbmeb-64	89	9	to	to	ADP
ajbmeb-64	89	10	financial	financial	ADJ
ajbmeb-64	89	11	technology	technology	NOUN
ajbmeb-64	89	12	investments	investment	NOUN
ajbmeb-64	89	13	worldwide	worldwide	ADV
ajbmeb-64	89	14	.	.	PUNCT
ajbmeb-64	90	1	it	it	PRON
ajbmeb-64	90	2	is	be	AUX
ajbmeb-64	90	3	worth	worth	ADJ
ajbmeb-64	90	4	noting	note	VERB
ajbmeb-64	90	5	that	that	SCONJ
ajbmeb-64	90	6	china	china	PROPN
ajbmeb-64	90	7	is	be	AUX
ajbmeb-64	90	8	one	one	NUM
ajbmeb-64	90	9	of	of	ADP
ajbmeb-64	90	10	the	the	DET
ajbmeb-64	90	11	most	most	ADV
ajbmeb-64	90	12	prominent	prominent	ADJ
ajbmeb-64	90	13	countries	country	NOUN
ajbmeb-64	90	14	investing	invest	VERB
ajbmeb-64	90	15	in	in	ADP
ajbmeb-64	90	16	financial	financial	ADJ
ajbmeb-64	90	17	technology	technology	NOUN
ajbmeb-64	90	18	,	,	PUNCT
ajbmeb-64	90	19	as	as	ADP
ajbmeb-64	90	20	the	the	DET
ajbmeb-64	90	21	proportion	proportion	NOUN
ajbmeb-64	90	22	of	of	ADP
ajbmeb-64	90	23	its	its	PRON
ajbmeb-64	90	24	investment	investment	NOUN
ajbmeb-64	90	25	to	to	ADP
ajbmeb-64	90	26	69	69	NUM
ajbmeb-64	90	27	%	%	NOUN
ajbmeb-64	90	28	.	.	PUNCT
ajbmeb-64	91	1	india	india	PROPN
ajbmeb-64	91	2	comes	come	VERB
ajbmeb-64	91	3	second	second	ADV
ajbmeb-64	91	4	with	with	ADP
ajbmeb-64	91	5	52	52	NUM
ajbmeb-64	91	6	%	%	NOUN
ajbmeb-64	91	7	of	of	ADP
ajbmeb-64	91	8	investments	investment	NOUN
ajbmeb-64	91	9	.	.	PUNCT
ajbmeb-64	92	1	the	the	DET
ajbmeb-64	92	2	united	united	PROPN
ajbmeb-64	92	3	kingdom	kingdom	PROPN
ajbmeb-64	92	4	ranked	rank	VERB
ajbmeb-64	92	5	third	third	ADV
ajbmeb-64	92	6	with	with	ADP
ajbmeb-64	92	7	42	42	NUM
ajbmeb-64	92	8	%	%	NOUN
ajbmeb-64	92	9	.	.	PUNCT
ajbmeb-64	93	1	fourth	fourth	ADJ
ajbmeb-64	93	2	,	,	PUNCT
ajbmeb-64	93	3	brazil	brazil	PROPN
ajbmeb-64	93	4	with	with	ADP
ajbmeb-64	93	5	40	40	NUM
ajbmeb-64	93	6	%	%	NOUN
ajbmeb-64	93	7	.	.	PUNCT
ajbmeb-64	94	1	then	then	ADV
ajbmeb-64	94	2	australia	australia	PROPN
ajbmeb-64	94	3	and	and	CCONJ
ajbmeb-64	94	4	spain	spain	PROPN
ajbmeb-64	94	5	with	with	ADP
ajbmeb-64	94	6	37	37	NUM
ajbmeb-64	94	7	%	%	NOUN
ajbmeb-64	94	8	.	.	PUNCT
ajbmeb-64	95	1	finally	finally	ADV
ajbmeb-64	95	2	,	,	PUNCT
ajbmeb-64	95	3	mexico	mexico	PROPN
ajbmeb-64	95	4	with	with	ADP
ajbmeb-64	95	5	36	36	NUM
ajbmeb-64	95	6	%	%	NOUN
ajbmeb-64	95	7	(	(	PUNCT
ajbmeb-64	95	8	kitabat	kitabat	PROPN
ajbmeb-64	95	9	website	website	NOUN
ajbmeb-64	95	10	,	,	PUNCT
ajbmeb-64	95	11	2017	2017	NUM
ajbmeb-64	95	12	)	)	PUNCT
ajbmeb-64	95	13	.	.	PUNCT
ajbmeb-64	96	1	the	the	DET
ajbmeb-64	96	2	following	follow	VERB
ajbmeb-64	96	3	figure	figure	NOUN
ajbmeb-64	96	4	shows	show	VERB
ajbmeb-64	96	5	the	the	DET
ajbmeb-64	96	6	countries	country	NOUN
ajbmeb-64	96	7	that	that	PRON
ajbmeb-64	96	8	use	use	VERB
ajbmeb-64	96	9	the	the	DET
ajbmeb-64	96	10	most	most	ADV
ajbmeb-64	96	11	financial	financial	ADJ
ajbmeb-64	96	12	technology	technology	NOUN
ajbmeb-64	96	13	:	:	PUNCT
ajbmeb-64	96	14	figure	figure	NOUN
ajbmeb-64	96	15	2	2	NUM
ajbmeb-64	96	16	countries	country	NOUN
ajbmeb-64	96	17	that	that	PRON
ajbmeb-64	96	18	use	use	VERB
ajbmeb-64	96	19	the	the	DET
ajbmeb-64	96	20	most	most	ADV
ajbmeb-64	96	21	financial	financial	ADJ
ajbmeb-64	96	22	technology	technology	NOUN
ajbmeb-64	96	23	source	source	NOUN
ajbmeb-64	96	24	:	:	PUNCT
ajbmeb-64	96	25	prepared	prepare	VERB
ajbmeb-64	96	26	by	by	ADP
ajbmeb-64	96	27	the	the	DET
ajbmeb-64	96	28	researcher	researcher	NOUN
ajbmeb-64	96	29	based	base	VERB
ajbmeb-64	96	30	on	on	ADP
ajbmeb-64	96	31	previous	previous	ADJ
ajbmeb-64	96	32	figures	figure	NOUN
ajbmeb-64	96	33	when	when	SCONJ
ajbmeb-64	96	34	searching	search	VERB
ajbmeb-64	96	35	for	for	ADP
ajbmeb-64	96	36	the	the	DET
ajbmeb-64	96	37	reasons	reason	NOUN
ajbmeb-64	96	38	for	for	ADP
ajbmeb-64	96	39	the	the	DET
ajbmeb-64	96	40	high	high	ADJ
ajbmeb-64	96	41	percentage	percentage	NOUN
ajbmeb-64	96	42	of	of	ADP
ajbmeb-64	96	43	investments	investment	NOUN
ajbmeb-64	96	44	in	in	ADP
ajbmeb-64	96	45	financial	financial	ADJ
ajbmeb-64	96	46	technology	technology	NOUN
ajbmeb-64	96	47	for	for	ADP
ajbmeb-64	96	48	these	these	DET
ajbmeb-64	96	49	countries	country	NOUN
ajbmeb-64	96	50	,	,	PUNCT
ajbmeb-64	96	51	we	we	PRON
ajbmeb-64	96	52	find	find	VERB
ajbmeb-64	96	53	that	that	SCONJ
ajbmeb-64	96	54	fintech	fintech	NOUN
ajbmeb-64	96	55	contributes	contribute	VERB
ajbmeb-64	96	56	significantly	significantly	ADV
ajbmeb-64	96	57	to	to	ADP
ajbmeb-64	96	58	eliminating	eliminate	VERB
ajbmeb-64	96	59	old	old	ADJ
ajbmeb-64	96	60	habits	habit	NOUN
ajbmeb-64	96	61	of	of	ADP
ajbmeb-64	96	62	obtaining	obtain	VERB
ajbmeb-64	96	63	financing	financing	NOUN
ajbmeb-64	96	64	.	.	PUNCT
ajbmeb-64	97	1	this	this	PRON
ajbmeb-64	97	2	obliges	oblige	VERB
ajbmeb-64	97	3	the	the	DET
ajbmeb-64	97	4	investor	investor	NOUN
ajbmeb-64	97	5	to	to	PART
ajbmeb-64	97	6	go	go	VERB
ajbmeb-64	97	7	to	to	ADP
ajbmeb-64	97	8	the	the	DET
ajbmeb-64	97	9	bank	bank	NOUN
ajbmeb-64	97	10	and	and	CCONJ
ajbmeb-64	97	11	apply	apply	VERB
ajbmeb-64	97	12	for	for	ADP
ajbmeb-64	97	13	the	the	DET
ajbmeb-64	97	14	credit	credit	NOUN
ajbmeb-64	97	15	necessary	necessary	ADJ
ajbmeb-64	97	16	to	to	PART
ajbmeb-64	97	17	finance	finance	VERB
ajbmeb-64	97	18	his	his	PRON
ajbmeb-64	97	19	investments	investment	NOUN
ajbmeb-64	97	20	.	.	PUNCT
ajbmeb-64	98	1	financial	financial	ADJ
ajbmeb-64	98	2	technology	technology	NOUN
ajbmeb-64	98	3	also	also	ADV
ajbmeb-64	98	4	invalidates	invalidate	VERB
ajbmeb-64	98	5	the	the	DET
ajbmeb-64	98	6	old	old	ADJ
ajbmeb-64	98	7	habits	habit	NOUN
ajbmeb-64	98	8	of	of	ADP
ajbmeb-64	98	9	accepting	accept	VERB
ajbmeb-64	98	10	credit	credit	NOUN
ajbmeb-64	98	11	cards	card	NOUN
ajbmeb-64	98	12	by	by	ADP
ajbmeb-64	98	13	companies	company	NOUN
ajbmeb-64	98	14	that	that	PRON
ajbmeb-64	98	15	require	require	VERB
ajbmeb-64	98	16	an	an	DET
ajbmeb-64	98	17	account	account	NOUN
ajbmeb-64	98	18	with	with	ADP
ajbmeb-64	98	19	a	a	DET
ajbmeb-64	98	20	primary	primary	ADJ
ajbmeb-64	98	21	credit	credit	NOUN
ajbmeb-64	98	22	provider	provider	NOUN
ajbmeb-64	98	23	.	.	PUNCT
ajbmeb-64	99	1	financial	financial	ADJ
ajbmeb-64	99	2	technology	technology	NOUN
ajbmeb-64	99	3	has	have	AUX
ajbmeb-64	99	4	addressed	address	VERB
ajbmeb-64	99	5	all	all	DET
ajbmeb-64	99	6	those	those	DET
ajbmeb-64	99	7	obstacles	obstacle	NOUN
ajbmeb-64	99	8	and	and	CCONJ
ajbmeb-64	99	9	searched	search	VERB
ajbmeb-64	99	10	for	for	ADP
ajbmeb-64	99	11	solutions	solution	NOUN
ajbmeb-64	99	12	to	to	ADP
ajbmeb-64	99	13	the	the	DET
ajbmeb-64	99	14	financial	financial	ADJ
ajbmeb-64	99	15	problems	problem	NOUN
ajbmeb-64	99	16	of	of	ADP
ajbmeb-64	99	17	investors	investor	NOUN
ajbmeb-64	99	18	outside	outside	ADP
ajbmeb-64	99	19	the	the	DET
ajbmeb-64	99	20	traditional	traditional	ADJ
ajbmeb-64	99	21	systems	system	NOUN
ajbmeb-64	99	22	of	of	ADP
ajbmeb-64	99	23	banking	banking	NOUN
ajbmeb-64	99	24	and	and	CCONJ
ajbmeb-64	99	25	financial	financial	ADJ
ajbmeb-64	99	26	work	work	NOUN
ajbmeb-64	99	27	.	.	PUNCT
ajbmeb-64	100	1	in	in	ADP
ajbmeb-64	100	2	light	light	NOUN
ajbmeb-64	100	3	of	of	ADP
ajbmeb-64	100	4	financial	financial	ADJ
ajbmeb-64	100	5	technology	technology	NOUN
ajbmeb-64	100	6	,	,	PUNCT
ajbmeb-64	100	7	finance	finance	NOUN
ajbmeb-64	100	8	has	have	AUX
ajbmeb-64	100	9	become	become	VERB
ajbmeb-64	100	10	a	a	DET
ajbmeb-64	100	11	collective	collective	ADJ
ajbmeb-64	100	12	action	action	NOUN
ajbmeb-64	100	13	and	and	CCONJ
ajbmeb-64	100	14	a	a	DET
ajbmeb-64	100	15	technological	technological	ADJ
ajbmeb-64	100	16	revolution	revolution	NOUN
ajbmeb-64	100	17	in	in	ADP
ajbmeb-64	100	18	banking	banking	NOUN
ajbmeb-64	100	19	operations	operation	NOUN
ajbmeb-64	100	20	.	.	PUNCT
ajbmeb-64	101	1	through	through	ADP
ajbmeb-64	101	2	its	its	PRON
ajbmeb-64	101	3	orientations	orientation	NOUN
ajbmeb-64	101	4	in	in	ADP
ajbmeb-64	101	5	developing	develop	VERB
ajbmeb-64	101	6	banking	banking	NOUN
ajbmeb-64	101	7	work	work	NOUN
ajbmeb-64	101	8	in	in	ADP
ajbmeb-64	101	9	iraq	iraq	PROPN
ajbmeb-64	101	10	,	,	PUNCT
ajbmeb-64	101	11	the	the	DET
ajbmeb-64	101	12	central	central	ADJ
ajbmeb-64	101	13	bank	bank	NOUN
ajbmeb-64	101	14	focused	focus	VERB
ajbmeb-64	101	15	on	on	ADP
ajbmeb-64	101	16	financial	financial	ADJ
ajbmeb-64	101	17	technology	technology	NOUN
ajbmeb-64	101	18	to	to	PART
ajbmeb-64	101	19	keep	keep	VERB
ajbmeb-64	101	20	pace	pace	NOUN
ajbmeb-64	101	21	with	with	ADP
ajbmeb-64	101	22	the	the	DET
ajbmeb-64	101	23	global	global	ADJ
ajbmeb-64	101	24	progress	progress	NOUN
ajbmeb-64	101	25	in	in	ADP
ajbmeb-64	101	26	this	this	DET
ajbmeb-64	101	27	field	field	NOUN
ajbmeb-64	101	28	.	.	PUNCT
ajbmeb-64	102	1	the	the	DET
ajbmeb-64	102	2	central	central	ADJ
ajbmeb-64	102	3	bank	bank	NOUN
ajbmeb-64	102	4	has	have	AUX
ajbmeb-64	102	5	developed	develop	VERB
ajbmeb-64	102	6	instructions	instruction	NOUN
ajbmeb-64	102	7	for	for	ADP
ajbmeb-64	102	8	electronic	electronic	ADJ
ajbmeb-64	102	9	payment	payment	NOUN
ajbmeb-64	102	10	operations	operation	NOUN
ajbmeb-64	102	11	via	via	ADP
ajbmeb-64	102	12	mobile	mobile	ADJ
ajbmeb-64	102	13	phone	phone	NOUN
ajbmeb-64	102	14	following	follow	VERB
ajbmeb-64	102	15	the	the	DET
ajbmeb-64	102	16	latest	late	ADJ
ajbmeb-64	102	17	and	and	CCONJ
ajbmeb-64	102	18	best	good	ADJ
ajbmeb-64	102	19	international	international	ADJ
ajbmeb-64	102	20	practices	practice	NOUN
ajbmeb-64	102	21	in	in	ADP
ajbmeb-64	102	22	this	this	DET
ajbmeb-64	102	23	field	field	NOUN
ajbmeb-64	102	24	.	.	PUNCT
ajbmeb-64	103	1	it	it	PRON
ajbmeb-64	103	2	seems	seem	VERB
ajbmeb-64	103	3	that	that	SCONJ
ajbmeb-64	103	4	the	the	DET
ajbmeb-64	103	5	iraqi	iraqi	ADJ
ajbmeb-64	103	6	market	market	NOUN
ajbmeb-64	103	7	is	be	AUX
ajbmeb-64	103	8	looking	look	VERB
ajbmeb-64	103	9	forward	forward	ADV
ajbmeb-64	103	10	to	to	ADP
ajbmeb-64	103	11	further	further	ADJ
ajbmeb-64	103	12	development	development	NOUN
ajbmeb-64	103	13	in	in	ADP
ajbmeb-64	103	14	the	the	DET
ajbmeb-64	103	15	field	field	NOUN
ajbmeb-64	103	16	of	of	ADP
ajbmeb-64	103	17	financial	financial	ADJ
ajbmeb-64	103	18	technology	technology	NOUN
ajbmeb-64	103	19	and	and	CCONJ
ajbmeb-64	103	20	through	through	ADP
ajbmeb-64	103	21	the	the	DET
ajbmeb-64	103	22	analysis	analysis	NOUN
ajbmeb-64	103	23	of	of	ADP
ajbmeb-64	103	24	some	some	DET
ajbmeb-64	103	25	indicators	indicator	NOUN
ajbmeb-64	103	26	that	that	PRON
ajbmeb-64	103	27	give	give	VERB
ajbmeb-64	103	28	a	a	DET
ajbmeb-64	103	29	perception	perception	NOUN
ajbmeb-64	103	30	of	of	ADP
ajbmeb-64	103	31	the	the	DET
ajbmeb-64	103	32	iraqi	iraqi	ADJ
ajbmeb-64	103	33	digital	digital	ADJ
ajbmeb-64	103	34	environment	environment	NOUN
ajbmeb-64	103	35	(	(	PUNCT
ajbmeb-64	103	36	ministry	ministry	NOUN
ajbmeb-64	103	37	of	of	ADP
ajbmeb-64	103	38	planning	planning	NOUN
ajbmeb-64	103	39	,	,	PUNCT
ajbmeb-64	103	40	central	central	ADJ
ajbmeb-64	103	41	bureau	bureau	NOUN
ajbmeb-64	103	42	of	of	ADP
ajbmeb-64	103	43	statistics	statistic	NOUN
ajbmeb-64	103	44	,	,	PUNCT
ajbmeb-64	103	45	and	and	CCONJ
ajbmeb-64	103	46	information	information	NOUN
ajbmeb-64	103	47	technology	technology	NOUN
ajbmeb-64	103	48	use	use	VERB
ajbmeb-64	103	49	survey	survey	NOUN
ajbmeb-64	103	50	2011	2011	NUM
ajbmeb-64	103	51	)	)	PUNCT
ajbmeb-64	103	52	.	.	PUNCT
ajbmeb-64	104	1	the	the	DET
ajbmeb-64	104	2	presence	presence	NOUN
ajbmeb-64	104	3	of	of	ADP
ajbmeb-64	104	4	an	an	DET
ajbmeb-64	104	5	average	average	ADJ
ajbmeb-64	104	6	age	age	NOUN
ajbmeb-64	104	7	of	of	ADP
ajbmeb-64	104	8	20	20	NUM
ajbmeb-64	104	9	years	year	NOUN
ajbmeb-64	104	10	gives	give	VERB
ajbmeb-64	104	11	a	a	DET
ajbmeb-64	104	12	perception	perception	NOUN
ajbmeb-64	104	13	that	that	SCONJ
ajbmeb-64	104	14	many	many	ADJ
ajbmeb-64	104	15	iraqi	iraqi	ADJ
ajbmeb-64	104	16	people	people	NOUN
ajbmeb-64	104	17	desire	desire	VERB
ajbmeb-64	104	18	financial	financial	ADJ
ajbmeb-64	104	19	technology	technology	NOUN
ajbmeb-64	104	20	,	,	PUNCT
ajbmeb-64	104	21	which	which	PRON
ajbmeb-64	104	22	is	be	AUX
ajbmeb-64	104	23	reflected	reflect	VERB
ajbmeb-64	104	24	in	in	ADP
ajbmeb-64	104	25	the	the	DET
ajbmeb-64	104	26	number	number	NOUN
ajbmeb-64	104	27	of	of	ADP
ajbmeb-64	104	28	social	social	ADJ
ajbmeb-64	104	29	network	network	NOUN
ajbmeb-64	104	30	users	user	NOUN
ajbmeb-64	104	31	.	.	PUNCT
ajbmeb-64	105	1	the	the	DET
ajbmeb-64	105	2	data	datum	NOUN
ajbmeb-64	105	3	indicated	indicate	VERB
ajbmeb-64	105	4	that	that	SCONJ
ajbmeb-64	105	5	50	50	NUM
ajbmeb-64	105	6	%	%	NOUN
ajbmeb-64	105	7	of	of	ADP
ajbmeb-64	105	8	the	the	DET
ajbmeb-64	105	9	iraqi	iraqi	ADJ
ajbmeb-64	105	10	people	people	NOUN
ajbmeb-64	105	11	use	use	VERB
ajbmeb-64	105	12	the	the	DET
ajbmeb-64	105	13	internet	internet	NOUN
ajbmeb-64	105	14	.	.	PUNCT
ajbmeb-64	106	1	about	about	ADV
ajbmeb-64	106	2	50	50	NUM
ajbmeb-64	106	3	%	%	NOUN
ajbmeb-64	106	4	of	of	ADP
ajbmeb-64	106	5	36	36	NUM
ajbmeb-64	106	6	%	%	NOUN
ajbmeb-64	106	7	37	37	NUM
ajbmeb-64	106	8	%	%	NOUN
ajbmeb-64	106	9	37	37	NUM
ajbmeb-64	106	10	%	%	NOUN
ajbmeb-64	106	11	40	40	NUM
ajbmeb-64	106	12	%	%	NOUN
ajbmeb-64	106	13	42	42	NUM
ajbmeb-64	106	14	%	%	NOUN
ajbmeb-64	106	15	52	52	NUM
ajbmeb-64	106	16	%	%	NOUN
ajbmeb-64	106	17	69	69	NUM
ajbmeb-64	106	18	%	%	NOUN
ajbmeb-64	106	19	mexico	mexico	PROPN
ajbmeb-64	106	20	spain	spain	PROPN
ajbmeb-64	106	21	australia	australia	PROPN
ajbmeb-64	106	22	brasil	brasil	PROPN
ajbmeb-64	106	23	u.k	u.k	PROPN
ajbmeb-64	106	24	.	.	PROPN
ajbmeb-64	106	25	india	india	PROPN
ajbmeb-64	106	26	china	china	PROPN
ajbmeb-64	106	27	american	american	PROPN
ajbmeb-64	106	28	journal	journal	PROPN
ajbmeb-64	106	29	of	of	ADP
ajbmeb-64	106	30	business	business	NOUN
ajbmeb-64	106	31	management	management	NOUN
ajbmeb-64	106	32	,	,	PUNCT
ajbmeb-64	106	33	economics	economic	NOUN
ajbmeb-64	106	34	and	and	CCONJ
ajbmeb-64	106	35	banking	banking	NOUN
ajbmeb-64	106	36	volume	volume	NOUN
ajbmeb-64	106	37	4	4	NUM
ajbmeb-64	106	38	,	,	PUNCT
ajbmeb-64	106	39	sep	sep	PROPN
ajbmeb-64	106	40	.	.	PROPN
ajbmeb-64	106	41	,	,	PUNCT
ajbmeb-64	106	42	2022	2022	NUM
ajbmeb-64	106	43	p	p	NOUN
ajbmeb-64	106	44	a	a	DET
ajbmeb-64	106	45	g	g	NOUN
ajbmeb-64	106	46	e	e	NOUN
ajbmeb-64	106	47	|	|	ADV
ajbmeb-64	106	48	7	7	NUM
ajbmeb-64	106	49	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	106	50	the	the	DET
ajbmeb-64	106	51	population	population	NOUN
ajbmeb-64	106	52	uses	use	VERB
ajbmeb-64	106	53	social	social	ADJ
ajbmeb-64	106	54	networks	network	NOUN
ajbmeb-64	106	55	through	through	ADP
ajbmeb-64	106	56	smartphones	smartphone	NOUN
ajbmeb-64	106	57	.	.	PUNCT
ajbmeb-64	107	1	94	94	NUM
ajbmeb-64	107	2	%	%	NOUN
ajbmeb-64	107	3	of	of	ADP
ajbmeb-64	107	4	the	the	DET
ajbmeb-64	107	5	population	population	NOUN
ajbmeb-64	107	6	owns	own	VERB
ajbmeb-64	107	7	a	a	DET
ajbmeb-64	107	8	smartphone	smartphone	NOUN
ajbmeb-64	107	9	.	.	PUNCT
ajbmeb-64	108	1	the	the	DET
ajbmeb-64	108	2	average	average	ADJ
ajbmeb-64	108	3	age	age	NOUN
ajbmeb-64	108	4	in	in	ADP
ajbmeb-64	108	5	iraq	iraq	PROPN
ajbmeb-64	108	6	is	be	AUX
ajbmeb-64	108	7	20	20	NUM
ajbmeb-64	108	8	years	year	NOUN
ajbmeb-64	108	9	,	,	PUNCT
ajbmeb-64	108	10	which	which	PRON
ajbmeb-64	108	11	indicates	indicate	VERB
ajbmeb-64	108	12	a	a	DET
ajbmeb-64	108	13	tendency	tendency	NOUN
ajbmeb-64	108	14	to	to	PART
ajbmeb-64	108	15	use	use	VERB
ajbmeb-64	108	16	financial	financial	ADJ
ajbmeb-64	108	17	technology	technology	NOUN
ajbmeb-64	108	18	.	.	PUNCT
ajbmeb-64	109	1	the	the	DET
ajbmeb-64	109	2	iraqi	iraqi	ADJ
ajbmeb-64	109	3	telecommunications	telecommunication	NOUN
ajbmeb-64	109	4	infrastructure	infrastructure	NOUN
ajbmeb-64	109	5	amounted	amount	VERB
ajbmeb-64	109	6	to	to	ADP
ajbmeb-64	109	7	about	about	ADP
ajbmeb-64	109	8	42	42	NUM
ajbmeb-64	109	9	out	out	ADP
ajbmeb-64	109	10	of	of	ADP
ajbmeb-64	109	11	a	a	DET
ajbmeb-64	109	12	100	100	NUM
ajbmeb-64	109	13	-	-	PUNCT
ajbmeb-64	109	14	point	point	NOUN
ajbmeb-64	109	15	scale	scale	NOUN
ajbmeb-64	109	16	.	.	PUNCT
ajbmeb-64	110	1	the	the	DET
ajbmeb-64	110	2	general	general	ADJ
ajbmeb-64	110	3	index	index	NOUN
ajbmeb-64	110	4	of	of	ADP
ajbmeb-64	110	5	the	the	DET
ajbmeb-64	110	6	iraqi	iraqi	ADJ
ajbmeb-64	110	7	state	state	NOUN
ajbmeb-64	110	8	in	in	ADP
ajbmeb-64	110	9	the	the	DET
ajbmeb-64	110	10	field	field	NOUN
ajbmeb-64	110	11	of	of	ADP
ajbmeb-64	110	12	growth	growth	NOUN
ajbmeb-64	110	13	and	and	CCONJ
ajbmeb-64	110	14	development	development	NOUN
ajbmeb-64	110	15	in	in	ADP
ajbmeb-64	110	16	communications	communication	NOUN
ajbmeb-64	110	17	was	be	AUX
ajbmeb-64	110	18	about	about	ADV
ajbmeb-64	110	19	47.5	47.5	NUM
ajbmeb-64	110	20	out	out	ADP
ajbmeb-64	110	21	of	of	ADP
ajbmeb-64	110	22	a	a	DET
ajbmeb-64	110	23	100	100	NUM
ajbmeb-64	110	24	-	-	PUNCT
ajbmeb-64	110	25	point	point	NOUN
ajbmeb-64	110	26	scale	scale	NOUN
ajbmeb-64	110	27	.	.	PUNCT
ajbmeb-64	111	1	some	some	DET
ajbmeb-64	111	2	studies	study	NOUN
ajbmeb-64	111	3	(	(	PUNCT
ajbmeb-64	111	4	ibtihaj	ibtihaj	PROPN
ajbmeb-64	111	5	ismail	ismail	PROPN
ajbmeb-64	111	6	yaqoub	yaqoub	PROPN
ajbmeb-64	111	7	,	,	PUNCT
ajbmeb-64	111	8	faiha	faiha	PROPN
ajbmeb-64	111	9	abdullah	abdullah	PROPN
ajbmeb-64	111	10	yaqoub	yaqoub	PROPN
ajbmeb-64	111	11	,	,	PUNCT
ajbmeb-64	111	12	zainab	zainab	PROPN
ajbmeb-64	111	13	juma	juma	PROPN
ajbmeb-64	111	14	matar	matar	PROPN
ajbmeb-64	111	15	,	,	PUNCT
ajbmeb-64	111	16	2021	2021	NUM
ajbmeb-64	111	17	,	,	PUNCT
ajbmeb-64	111	18	68	68	NUM
ajbmeb-64	111	19	)	)	PUNCT
ajbmeb-64	111	20	indicate	indicate	VERB
ajbmeb-64	111	21	that	that	SCONJ
ajbmeb-64	111	22	most	most	ADJ
ajbmeb-64	111	23	iraqis	iraqi	NOUN
ajbmeb-64	111	24	who	who	PRON
ajbmeb-64	111	25	use	use	VERB
ajbmeb-64	111	26	information	information	NOUN
ajbmeb-64	111	27	technology	technology	NOUN
ajbmeb-64	111	28	can	can	AUX
ajbmeb-64	111	29	afford	afford	VERB
ajbmeb-64	111	30	the	the	DET
ajbmeb-64	111	31	necessary	necessary	ADJ
ajbmeb-64	111	32	expenses	expense	NOUN
ajbmeb-64	111	33	for	for	ADP
ajbmeb-64	111	34	financial	financial	ADJ
ajbmeb-64	111	35	technology	technology	NOUN
ajbmeb-64	111	36	developments	development	NOUN
ajbmeb-64	111	37	in	in	ADP
ajbmeb-64	111	38	iraq	iraq	PROPN
ajbmeb-64	111	39	.	.	PUNCT
ajbmeb-64	112	1	moreover	moreover	ADV
ajbmeb-64	112	2	,	,	PUNCT
ajbmeb-64	112	3	11	11	NUM
ajbmeb-64	112	4	%	%	NOUN
ajbmeb-64	112	5	of	of	ADP
ajbmeb-64	112	6	iraqis	iraqis	PROPN
ajbmeb-64	112	7	own	own	VERB
ajbmeb-64	112	8	bank	bank	NOUN
ajbmeb-64	112	9	accounts	account	NOUN
ajbmeb-64	112	10	,	,	PUNCT
ajbmeb-64	112	11	of	of	ADP
ajbmeb-64	112	12	which	which	PRON
ajbmeb-64	112	13	2	2	NUM
ajbmeb-64	112	14	%	%	NOUN
ajbmeb-64	112	15	own	own	ADJ
ajbmeb-64	112	16	credit	credit	NOUN
ajbmeb-64	112	17	cards	card	NOUN
ajbmeb-64	112	18	,	,	PUNCT
ajbmeb-64	112	19	and	and	CCONJ
ajbmeb-64	112	20	5	5	NUM
ajbmeb-64	112	21	%	%	NOUN
ajbmeb-64	112	22	of	of	ADP
ajbmeb-64	112	23	iraqis	iraqis	PROPN
ajbmeb-64	112	24	use	use	VERB
ajbmeb-64	112	25	e	e	NOUN
ajbmeb-64	112	26	-	-	NOUN
ajbmeb-64	112	27	commerce	commerce	NOUN
ajbmeb-64	112	28	applications	application	NOUN
ajbmeb-64	112	29	,	,	PUNCT
ajbmeb-64	112	30	most	most	ADJ
ajbmeb-64	112	31	of	of	ADP
ajbmeb-64	112	32	them	they	PRON
ajbmeb-64	112	33	are	be	AUX
ajbmeb-64	112	34	men	man	NOUN
ajbmeb-64	112	35	.	.	PUNCT
ajbmeb-64	113	1	the	the	DET
ajbmeb-64	113	2	iraqi	iraqi	ADJ
ajbmeb-64	113	3	government	government	NOUN
ajbmeb-64	113	4	is	be	AUX
ajbmeb-64	113	5	trying	try	VERB
ajbmeb-64	113	6	to	to	PART
ajbmeb-64	113	7	establish	establish	VERB
ajbmeb-64	113	8	real	real	ADJ
ajbmeb-64	113	9	partnerships	partnership	NOUN
ajbmeb-64	113	10	with	with	ADP
ajbmeb-64	113	11	solid	solid	ADJ
ajbmeb-64	113	12	international	international	ADJ
ajbmeb-64	113	13	institutions	institution	NOUN
ajbmeb-64	113	14	to	to	PART
ajbmeb-64	113	15	build	build	VERB
ajbmeb-64	113	16	a	a	DET
ajbmeb-64	113	17	strong	strong	ADJ
ajbmeb-64	113	18	financial	financial	ADJ
ajbmeb-64	113	19	technology	technology	NOUN
ajbmeb-64	113	20	base	base	NOUN
ajbmeb-64	113	21	.	.	PUNCT
ajbmeb-64	114	1	the	the	DET
ajbmeb-64	114	2	iraqi	iraqi	ADJ
ajbmeb-64	114	3	government	government	NOUN
ajbmeb-64	114	4	is	be	AUX
ajbmeb-64	114	5	also	also	ADV
ajbmeb-64	114	6	trying	try	VERB
ajbmeb-64	114	7	to	to	PART
ajbmeb-64	114	8	provide	provide	VERB
ajbmeb-64	114	9	adequate	adequate	ADJ
ajbmeb-64	114	10	support	support	NOUN
ajbmeb-64	114	11	to	to	ADP
ajbmeb-64	114	12	the	the	DET
ajbmeb-64	114	13	private	private	ADJ
ajbmeb-64	114	14	sector	sector	NOUN
ajbmeb-64	114	15	working	work	VERB
ajbmeb-64	114	16	in	in	ADP
ajbmeb-64	114	17	financial	financial	ADJ
ajbmeb-64	114	18	technology	technology	NOUN
ajbmeb-64	114	19	.	.	PUNCT
ajbmeb-64	115	1	the	the	DET
ajbmeb-64	115	2	third	third	ADJ
ajbmeb-64	115	3	topic	topic	NOUN
ajbmeb-64	115	4	digital	digital	ADJ
ajbmeb-64	115	5	finance	finance	NOUN
ajbmeb-64	115	6	in	in	ADP
ajbmeb-64	115	7	iraq	iraq	PROPN
ajbmeb-64	115	8	and	and	CCONJ
ajbmeb-64	115	9	achieving	achieve	VERB
ajbmeb-64	115	10	sustainable	sustainable	ADJ
ajbmeb-64	115	11	development	development	NOUN
ajbmeb-64	115	12	goals	goal	NOUN
ajbmeb-64	115	13	before	before	ADP
ajbmeb-64	115	14	shedding	shed	VERB
ajbmeb-64	115	15	light	light	NOUN
ajbmeb-64	115	16	on	on	ADP
ajbmeb-64	115	17	digital	digital	ADJ
ajbmeb-64	115	18	finance	finance	NOUN
ajbmeb-64	115	19	techniques	technique	NOUN
ajbmeb-64	115	20	and	and	CCONJ
ajbmeb-64	115	21	iraq	iraq	PROPN
ajbmeb-64	115	22	's	's	PART
ajbmeb-64	115	23	position	position	NOUN
ajbmeb-64	115	24	among	among	ADP
ajbmeb-64	115	25	the	the	DET
ajbmeb-64	115	26	rest	rest	NOUN
ajbmeb-64	115	27	of	of	ADP
ajbmeb-64	115	28	the	the	DET
ajbmeb-64	115	29	region	region	NOUN
ajbmeb-64	115	30	's	's	PART
ajbmeb-64	115	31	countries	country	NOUN
ajbmeb-64	115	32	,	,	PUNCT
ajbmeb-64	115	33	we	we	PRON
ajbmeb-64	115	34	must	must	AUX
ajbmeb-64	115	35	first	first	ADV
ajbmeb-64	115	36	and	and	CCONJ
ajbmeb-64	115	37	foremost	foremost	ADV
ajbmeb-64	115	38	refer	refer	VERB
ajbmeb-64	115	39	to	to	ADP
ajbmeb-64	115	40	the	the	DET
ajbmeb-64	115	41	concept	concept	NOUN
ajbmeb-64	115	42	of	of	ADP
ajbmeb-64	115	43	digital	digital	ADJ
ajbmeb-64	115	44	finance	finance	NOUN
ajbmeb-64	115	45	.	.	PUNCT
ajbmeb-64	116	1	digital	digital	ADJ
ajbmeb-64	116	2	funding	funding	NOUN
ajbmeb-64	116	3	is	be	AUX
ajbmeb-64	116	4	one	one	NUM
ajbmeb-64	116	5	of	of	ADP
ajbmeb-64	116	6	the	the	DET
ajbmeb-64	116	7	modern	modern	ADJ
ajbmeb-64	116	8	terms	term	NOUN
ajbmeb-64	116	9	used	use	VERB
ajbmeb-64	116	10	in	in	ADP
ajbmeb-64	116	11	finance	finance	NOUN
ajbmeb-64	116	12	in	in	ADP
ajbmeb-64	116	13	the	the	DET
ajbmeb-64	116	14	twenty	twenty	NUM
ajbmeb-64	116	15	-	-	PUNCT
ajbmeb-64	116	16	first	first	ADJ
ajbmeb-64	116	17	century	century	NOUN
ajbmeb-64	116	18	.	.	PUNCT
ajbmeb-64	117	1	it	it	PRON
ajbmeb-64	117	2	means	mean	VERB
ajbmeb-64	117	3	"	"	PUNCT
ajbmeb-64	117	4	a	a	DET
ajbmeb-64	117	5	group	group	NOUN
ajbmeb-64	117	6	of	of	ADP
ajbmeb-64	117	7	digital	digital	ADJ
ajbmeb-64	117	8	financial	financial	ADJ
ajbmeb-64	117	9	services	service	NOUN
ajbmeb-64	117	10	in	in	ADP
ajbmeb-64	117	11	the	the	DET
ajbmeb-64	117	12	field	field	NOUN
ajbmeb-64	117	13	of	of	ADP
ajbmeb-64	117	14	financial	financial	ADJ
ajbmeb-64	117	15	information	information	NOUN
ajbmeb-64	117	16	,	,	PUNCT
ajbmeb-64	117	17	financial	financial	ADJ
ajbmeb-64	117	18	planning	planning	NOUN
ajbmeb-64	117	19	,	,	PUNCT
ajbmeb-64	117	20	payments	payment	NOUN
ajbmeb-64	117	21	,	,	PUNCT
ajbmeb-64	117	22	investments	investment	NOUN
ajbmeb-64	117	23	and	and	CCONJ
ajbmeb-64	117	24	support	support	NOUN
ajbmeb-64	117	25	for	for	ADP
ajbmeb-64	117	26	joint	joint	ADJ
ajbmeb-64	117	27	operations	operation	NOUN
ajbmeb-64	117	28	between	between	ADP
ajbmeb-64	117	29	customers	customer	NOUN
ajbmeb-64	117	30	and	and	CCONJ
ajbmeb-64	117	31	banks	bank	NOUN
ajbmeb-64	117	32	"	"	PUNCT
ajbmeb-64	117	33	(	(	PUNCT
ajbmeb-64	117	34	raina	raina	PROPN
ajbmeb-64	117	35	et	et	PROPN
ajbmeb-64	117	36	al	al	PROPN
ajbmeb-64	117	37	.	.	PROPN
ajbmeb-64	117	38	,	,	PUNCT
ajbmeb-64	117	39	2018	2018	NUM
ajbmeb-64	117	40	:	:	PUNCT
ajbmeb-64	117	41	279	279	NUM
ajbmeb-64	117	42	-	-	SYM
ajbmeb-64	117	43	307	307	NUM
ajbmeb-64	117	44	)	)	PUNCT
ajbmeb-64	117	45	.	.	PUNCT
ajbmeb-64	118	1	it	it	PRON
ajbmeb-64	118	2	is	be	AUX
ajbmeb-64	118	3	also	also	ADV
ajbmeb-64	118	4	known	know	VERB
ajbmeb-64	118	5	as	as	ADP
ajbmeb-64	118	6	"	"	PUNCT
ajbmeb-64	118	7	a	a	DET
ajbmeb-64	118	8	group	group	NOUN
ajbmeb-64	118	9	of	of	ADP
ajbmeb-64	118	10	technology	technology	NOUN
ajbmeb-64	118	11	-	-	PUNCT
ajbmeb-64	118	12	based	base	VERB
ajbmeb-64	118	13	products	product	NOUN
ajbmeb-64	118	14	and	and	CCONJ
ajbmeb-64	118	15	services	service	NOUN
ajbmeb-64	118	16	,	,	PUNCT
ajbmeb-64	118	17	modern	modern	ADJ
ajbmeb-64	118	18	technologies	technology	NOUN
ajbmeb-64	118	19	to	to	PART
ajbmeb-64	118	20	improve	improve	VERB
ajbmeb-64	118	21	the	the	DET
ajbmeb-64	118	22	quality	quality	NOUN
ajbmeb-64	118	23	of	of	ADP
ajbmeb-64	118	24	financial	financial	ADJ
ajbmeb-64	118	25	services	service	NOUN
ajbmeb-64	118	26	"	"	PUNCT
ajbmeb-64	118	27	(	(	PUNCT
ajbmeb-64	118	28	dahman	dahman	PROPN
ajbmeb-64	118	29	,	,	PUNCT
ajbmeb-64	118	30	2020	2020	NUM
ajbmeb-64	118	31	,	,	PUNCT
ajbmeb-64	118	32	63	63	NUM
ajbmeb-64	118	33	-	-	SYM
ajbmeb-64	118	34	79	79	NUM
ajbmeb-64	118	35	)	)	PUNCT
ajbmeb-64	118	36	.	.	PUNCT
ajbmeb-64	119	1	the	the	DET
ajbmeb-64	119	2	importance	importance	NOUN
ajbmeb-64	119	3	of	of	ADP
ajbmeb-64	119	4	digital	digital	ADJ
ajbmeb-64	119	5	finance	finance	NOUN
ajbmeb-64	119	6	is	be	AUX
ajbmeb-64	119	7	highlighted	highlight	VERB
ajbmeb-64	119	8	by	by	ADP
ajbmeb-64	119	9	the	the	DET
ajbmeb-64	119	10	following	following	NOUN
ajbmeb-64	119	11	:	:	PUNCT
ajbmeb-64	119	12	1increasing	1increasing	NUM
ajbmeb-64	119	13	financial	financial	ADJ
ajbmeb-64	119	14	inclusion	inclusion	NOUN
ajbmeb-64	119	15	and	and	CCONJ
ajbmeb-64	119	16	financial	financial	ADJ
ajbmeb-64	119	17	services	service	NOUN
ajbmeb-64	119	18	for	for	ADP
ajbmeb-64	119	19	the	the	DET
ajbmeb-64	119	20	non	non	ADJ
ajbmeb-64	119	21	-	-	ADJ
ajbmeb-64	119	22	financial	financial	ADJ
ajbmeb-64	119	23	sectors	sector	NOUN
ajbmeb-64	119	24	.	.	PUNCT
ajbmeb-64	120	1	increasing	increase	VERB
ajbmeb-64	120	2	the	the	DET
ajbmeb-64	120	3	scope	scope	NOUN
ajbmeb-64	120	4	of	of	ADP
ajbmeb-64	120	5	services	service	NOUN
ajbmeb-64	120	6	,	,	PUNCT
ajbmeb-64	120	7	basic	basic	ADJ
ajbmeb-64	120	8	services	service	NOUN
ajbmeb-64	120	9	for	for	ADP
ajbmeb-64	120	10	individuals	individual	NOUN
ajbmeb-64	120	11	,	,	PUNCT
ajbmeb-64	120	12	especially	especially	ADV
ajbmeb-64	120	13	if	if	SCONJ
ajbmeb-64	120	14	we	we	PRON
ajbmeb-64	120	15	know	know	VERB
ajbmeb-64	120	16	that	that	SCONJ
ajbmeb-64	120	17	50	50	NUM
ajbmeb-64	120	18	%	%	NOUN
ajbmeb-64	120	19	of	of	ADP
ajbmeb-64	120	20	developing	develop	VERB
ajbmeb-64	120	21	societies	society	NOUN
ajbmeb-64	120	22	own	own	VERB
ajbmeb-64	120	23	mobile	mobile	ADJ
ajbmeb-64	120	24	phones	phone	NOUN
ajbmeb-64	120	25	(	(	PUNCT
ajbmeb-64	120	26	world	world	PROPN
ajbmeb-64	120	27	bank	bank	PROPN
ajbmeb-64	120	28	,	,	PUNCT
ajbmeb-64	120	29	2014	2014	NUM
ajbmeb-64	120	30	)	)	PUNCT
ajbmeb-64	120	31	.	.	PUNCT
ajbmeb-64	121	1	2digital	2digital	NUM
ajbmeb-64	121	2	finance	finance	NOUN
ajbmeb-64	121	3	provides	provide	VERB
ajbmeb-64	121	4	the	the	DET
ajbmeb-64	121	5	ability	ability	NOUN
ajbmeb-64	121	6	to	to	PART
ajbmeb-64	121	7	provide	provide	VERB
ajbmeb-64	121	8	banking	banking	NOUN
ajbmeb-64	121	9	services	service	NOUN
ajbmeb-64	121	10	at	at	ADP
ajbmeb-64	121	11	the	the	DET
ajbmeb-64	121	12	lowest	low	ADJ
ajbmeb-64	121	13	costs	cost	NOUN
ajbmeb-64	121	14	and	and	CCONJ
ajbmeb-64	121	15	securely	securely	ADV
ajbmeb-64	121	16	,	,	PUNCT
ajbmeb-64	121	17	especially	especially	ADV
ajbmeb-64	121	18	for	for	ADP
ajbmeb-64	121	19	the	the	DET
ajbmeb-64	121	20	poor	poor	ADJ
ajbmeb-64	121	21	classes	class	NOUN
ajbmeb-64	121	22	in	in	ADP
ajbmeb-64	121	23	developing	develop	VERB
ajbmeb-64	121	24	countries	country	NOUN
ajbmeb-64	121	25	,	,	PUNCT
ajbmeb-64	121	26	including	include	VERB
ajbmeb-64	121	27	iraq	iraq	PROPN
ajbmeb-64	121	28	.	.	PUNCT
ajbmeb-64	122	1	3it	3it	PROPN
ajbmeb-64	122	2	supports	support	VERB
ajbmeb-64	122	3	the	the	DET
ajbmeb-64	122	4	gdp	gdp	NOUN
ajbmeb-64	122	5	of	of	ADP
ajbmeb-64	122	6	digital	digital	ADJ
ajbmeb-64	122	7	economies	economy	NOUN
ajbmeb-64	122	8	by	by	ADP
ajbmeb-64	122	9	providing	provide	VERB
ajbmeb-64	122	10	platforms	platform	NOUN
ajbmeb-64	122	11	that	that	PRON
ajbmeb-64	122	12	ensure	ensure	VERB
ajbmeb-64	122	13	appropriate	appropriate	ADJ
ajbmeb-64	122	14	access	access	NOUN
ajbmeb-64	122	15	to	to	ADP
ajbmeb-64	122	16	financial	financial	ADJ
ajbmeb-64	122	17	products	product	NOUN
ajbmeb-64	122	18	and	and	CCONJ
ajbmeb-64	122	19	services	service	NOUN
ajbmeb-64	122	20	for	for	ADP
ajbmeb-64	122	21	individuals	individual	NOUN
ajbmeb-64	122	22	and	and	CCONJ
ajbmeb-64	122	23	companies	company	NOUN
ajbmeb-64	122	24	.	.	PUNCT
ajbmeb-64	123	1	this	this	PRON
ajbmeb-64	123	2	improves	improve	VERB
ajbmeb-64	123	3	gdp	gdp	NOUN
ajbmeb-64	123	4	levels	level	NOUN
ajbmeb-64	123	5	and	and	CCONJ
ajbmeb-64	123	6	leads	lead	VERB
ajbmeb-64	123	7	to	to	ADP
ajbmeb-64	123	8	economic	economic	ADJ
ajbmeb-64	123	9	stability	stability	NOUN
ajbmeb-64	123	10	(	(	PUNCT
ajbmeb-64	123	11	ozili	ozili	NOUN
ajbmeb-64	123	12	,	,	PUNCT
ajbmeb-64	123	13	2018	2018	NUM
ajbmeb-64	123	14	:	:	PUNCT
ajbmeb-64	123	15	331	331	NUM
ajbmeb-64	123	16	)	)	PUNCT
ajbmeb-64	123	17	.	.	PUNCT
ajbmeb-64	124	1	4it	4it	NOUN
ajbmeb-64	124	2	provides	provide	VERB
ajbmeb-64	124	3	an	an	DET
ajbmeb-64	124	4	increase	increase	NOUN
ajbmeb-64	124	5	in	in	ADP
ajbmeb-64	124	6	the	the	DET
ajbmeb-64	124	7	total	total	ADJ
ajbmeb-64	124	8	public	public	ADJ
ajbmeb-64	124	9	spending	spending	NOUN
ajbmeb-64	124	10	for	for	ADP
ajbmeb-64	124	11	the	the	DET
ajbmeb-64	124	12	government	government	NOUN
ajbmeb-64	124	13	by	by	ADP
ajbmeb-64	124	14	providing	provide	VERB
ajbmeb-64	124	15	platforms	platform	NOUN
ajbmeb-64	124	16	to	to	PART
ajbmeb-64	124	17	facilitate	facilitate	VERB
ajbmeb-64	124	18	this	this	DET
ajbmeb-64	124	19	matter	matter	NOUN
ajbmeb-64	124	20	.	.	PUNCT
ajbmeb-64	125	1	this	this	PRON
ajbmeb-64	125	2	leads	lead	VERB
ajbmeb-64	125	3	in	in	ADP
ajbmeb-64	125	4	later	later	ADJ
ajbmeb-64	125	5	stages	stage	NOUN
ajbmeb-64	125	6	to	to	ADP
ajbmeb-64	125	7	an	an	DET
ajbmeb-64	125	8	increase	increase	NOUN
ajbmeb-64	125	9	in	in	ADP
ajbmeb-64	125	10	the	the	DET
ajbmeb-64	125	11	expected	expect	VERB
ajbmeb-64	125	12	revenues	revenue	NOUN
ajbmeb-64	125	13	resulting	result	VERB
ajbmeb-64	125	14	from	from	ADP
ajbmeb-64	125	15	the	the	DET
ajbmeb-64	125	16	increase	increase	NOUN
ajbmeb-64	125	17	in	in	ADP
ajbmeb-64	125	18	the	the	DET
ajbmeb-64	125	19	volume	volume	NOUN
ajbmeb-64	125	20	of	of	ADP
ajbmeb-64	125	21	financial	financial	ADJ
ajbmeb-64	125	22	transactions	transaction	NOUN
ajbmeb-64	125	23	(	(	PUNCT
ajbmeb-64	125	24	manyika	manyika	X
ajbmeb-64	125	25	et	et	NOUN
ajbmeb-64	125	26	at	at	ADP
ajbmeb-64	125	27	.	.	PROPN
ajbmeb-64	125	28	,	,	PUNCT
ajbmeb-64	125	29	2016	2016	NUM
ajbmeb-64	125	30	(	(	PUNCT
ajbmeb-64	125	31	.	.	PUNCT
ajbmeb-64	126	1	the	the	DET
ajbmeb-64	126	2	importance	importance	NOUN
ajbmeb-64	126	3	of	of	ADP
ajbmeb-64	126	4	digital	digital	ADJ
ajbmeb-64	126	5	finance	finance	NOUN
ajbmeb-64	126	6	and	and	CCONJ
ajbmeb-64	126	7	the	the	DET
ajbmeb-64	126	8	use	use	NOUN
ajbmeb-64	126	9	of	of	ADP
ajbmeb-64	126	10	modern	modern	ADJ
ajbmeb-64	126	11	financial	financial	ADJ
ajbmeb-64	126	12	technologies	technology	NOUN
ajbmeb-64	126	13	in	in	ADP
ajbmeb-64	126	14	achieving	achieve	VERB
ajbmeb-64	126	15	sustainable	sustainable	ADJ
ajbmeb-64	126	16	development	development	NOUN
ajbmeb-64	126	17	goals	goal	NOUN
ajbmeb-64	126	18	is	be	AUX
ajbmeb-64	126	19	highlighted	highlight	VERB
ajbmeb-64	126	20	through	through	ADP
ajbmeb-64	126	21	the	the	DET
ajbmeb-64	126	22	following	following	NOUN
ajbmeb-64	126	23	:	:	PUNCT
ajbmeb-64	126	24	american	american	PROPN
ajbmeb-64	126	25	journal	journal	PROPN
ajbmeb-64	126	26	of	of	ADP
ajbmeb-64	126	27	business	business	NOUN
ajbmeb-64	126	28	management	management	NOUN
ajbmeb-64	126	29	,	,	PUNCT
ajbmeb-64	126	30	economics	economic	NOUN
ajbmeb-64	126	31	and	and	CCONJ
ajbmeb-64	126	32	banking	banking	NOUN
ajbmeb-64	126	33	volume	volume	NOUN
ajbmeb-64	126	34	4	4	NUM
ajbmeb-64	126	35	,	,	PUNCT
ajbmeb-64	126	36	sep	sep	PROPN
ajbmeb-64	126	37	.	.	PROPN
ajbmeb-64	126	38	,	,	PUNCT
ajbmeb-64	126	39	2022	2022	NUM
ajbmeb-64	126	40	p	p	NOUN
ajbmeb-64	127	1	a	a	DET
ajbmeb-64	127	2	g	g	NOUN
ajbmeb-64	127	3	e	e	NOUN
ajbmeb-64	127	4	|	|	ADV
ajbmeb-64	127	5	8	8	NUM
ajbmeb-64	127	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	127	7	table	table	NOUN
ajbmeb-64	127	8	1	1	NUM
ajbmeb-64	127	9	the	the	DET
ajbmeb-64	127	10	opportunities	opportunity	NOUN
ajbmeb-64	127	11	offered	offer	VERB
ajbmeb-64	127	12	by	by	ADP
ajbmeb-64	127	13	digital	digital	ADJ
ajbmeb-64	127	14	financial	financial	ADJ
ajbmeb-64	127	15	services	service	NOUN
ajbmeb-64	127	16	to	to	PART
ajbmeb-64	127	17	achieve	achieve	VERB
ajbmeb-64	127	18	the	the	DET
ajbmeb-64	127	19	sustainable	sustainable	ADJ
ajbmeb-64	127	20	development	development	NOUN
ajbmeb-64	127	21	goals	goal	NOUN
ajbmeb-64	127	22	sustainable	sustainable	VERB
ajbmeb-64	127	23	development	development	NOUN
ajbmeb-64	127	24	goals	goal	NOUN
ajbmeb-64	127	25	digital	digital	ADJ
ajbmeb-64	127	26	financial	financial	ADJ
ajbmeb-64	127	27	services	service	NOUN
ajbmeb-64	127	28	poverty	poverty	NOUN
ajbmeb-64	127	29	eradication	eradication	NOUN
ajbmeb-64	127	30	for	for	ADP
ajbmeb-64	127	31	families	family	NOUN
ajbmeb-64	127	32	with	with	ADP
ajbmeb-64	127	33	low	low	ADJ
ajbmeb-64	127	34	incomes	income	NOUN
ajbmeb-64	127	35	,	,	PUNCT
ajbmeb-64	127	36	digital	digital	ADJ
ajbmeb-64	127	37	financial	financial	ADJ
ajbmeb-64	127	38	services	service	NOUN
ajbmeb-64	127	39	provide	provide	VERB
ajbmeb-64	127	40	an	an	DET
ajbmeb-64	127	41	opportunity	opportunity	NOUN
ajbmeb-64	127	42	to	to	PART
ajbmeb-64	127	43	access	access	VERB
ajbmeb-64	127	44	financial	financial	ADJ
ajbmeb-64	127	45	tools	tool	NOUN
ajbmeb-64	127	46	and	and	CCONJ
ajbmeb-64	127	47	services	service	NOUN
ajbmeb-64	127	48	at	at	ADP
ajbmeb-64	127	49	the	the	DET
ajbmeb-64	127	50	lowest	low	ADJ
ajbmeb-64	127	51	costs	cost	NOUN
ajbmeb-64	127	52	and	and	CCONJ
ajbmeb-64	127	53	help	help	VERB
ajbmeb-64	127	54	increase	increase	VERB
ajbmeb-64	127	55	their	their	PRON
ajbmeb-64	127	56	economic	economic	ADJ
ajbmeb-64	127	57	opportunities	opportunity	NOUN
ajbmeb-64	127	58	.	.	PUNCT
ajbmeb-64	128	1	zero	zero	NUM
ajbmeb-64	128	2	hunger	hunger	NOUN
ajbmeb-64	128	3	facilitating	facilitate	VERB
ajbmeb-64	128	4	access	access	NOUN
ajbmeb-64	128	5	to	to	ADP
ajbmeb-64	128	6	the	the	DET
ajbmeb-64	128	7	financing	financing	NOUN
ajbmeb-64	128	8	needed	need	VERB
ajbmeb-64	128	9	to	to	PART
ajbmeb-64	128	10	increase	increase	VERB
ajbmeb-64	128	11	production	production	NOUN
ajbmeb-64	128	12	rates	rate	NOUN
ajbmeb-64	128	13	at	at	ADP
ajbmeb-64	128	14	a	a	DET
ajbmeb-64	128	15	lower	low	ADJ
ajbmeb-64	128	16	cost	cost	NOUN
ajbmeb-64	128	17	would	would	AUX
ajbmeb-64	128	18	reduce	reduce	VERB
ajbmeb-64	128	19	hunger	hunger	NOUN
ajbmeb-64	128	20	rates	rate	NOUN
ajbmeb-64	128	21	among	among	ADP
ajbmeb-64	128	22	the	the	DET
ajbmeb-64	128	23	poor	poor	ADJ
ajbmeb-64	128	24	,	,	PUNCT
ajbmeb-64	128	25	and	and	CCONJ
ajbmeb-64	128	26	digital	digital	ADJ
ajbmeb-64	128	27	financial	financial	ADJ
ajbmeb-64	128	28	services	service	NOUN
ajbmeb-64	128	29	provide	provide	VERB
ajbmeb-64	128	30	this	this	DET
ajbmeb-64	128	31	advantage	advantage	NOUN
ajbmeb-64	128	32	at	at	ADP
ajbmeb-64	128	33	lower	low	ADJ
ajbmeb-64	128	34	costs	cost	NOUN
ajbmeb-64	128	35	than	than	ADP
ajbmeb-64	128	36	traditional	traditional	ADJ
ajbmeb-64	128	37	financing	financing	NOUN
ajbmeb-64	128	38	.	.	PUNCT
ajbmeb-64	129	1	good	good	ADJ
ajbmeb-64	129	2	health	health	NOUN
ajbmeb-64	129	3	and	and	CCONJ
ajbmeb-64	129	4	well	well	ADV
ajbmeb-64	129	5	-	-	PUNCT
ajbmeb-64	129	6	being	be	AUX
ajbmeb-64	129	7	the	the	DET
ajbmeb-64	129	8	use	use	NOUN
ajbmeb-64	129	9	of	of	ADP
ajbmeb-64	129	10	modern	modern	ADJ
ajbmeb-64	129	11	financial	financial	ADJ
ajbmeb-64	129	12	technologies	technology	NOUN
ajbmeb-64	129	13	helps	helps	AUX
ajbmeb-64	129	14	expand	expand	VERB
ajbmeb-64	129	15	health	health	NOUN
ajbmeb-64	129	16	services	service	NOUN
ajbmeb-64	129	17	,	,	PUNCT
ajbmeb-64	129	18	especially	especially	ADV
ajbmeb-64	129	19	in	in	ADP
ajbmeb-64	129	20	rural	rural	ADJ
ajbmeb-64	129	21	areas	area	NOUN
ajbmeb-64	129	22	characterized	characterize	VERB
ajbmeb-64	129	23	by	by	ADP
ajbmeb-64	129	24	low	low	ADJ
ajbmeb-64	129	25	population	population	NOUN
ajbmeb-64	129	26	density	density	NOUN
ajbmeb-64	129	27	.	.	PUNCT
ajbmeb-64	130	1	digital	digital	ADJ
ajbmeb-64	130	2	financing	financing	NOUN
ajbmeb-64	130	3	allows	allow	VERB
ajbmeb-64	130	4	families	family	NOUN
ajbmeb-64	130	5	and	and	CCONJ
ajbmeb-64	130	6	families	family	NOUN
ajbmeb-64	130	7	to	to	PART
ajbmeb-64	130	8	better	well	ADV
ajbmeb-64	130	9	deal	deal	VERB
ajbmeb-64	130	10	with	with	ADP
ajbmeb-64	130	11	health	health	NOUN
ajbmeb-64	130	12	emergencies	emergency	NOUN
ajbmeb-64	130	13	good	good	ADJ
ajbmeb-64	130	14	education	education	PROPN
ajbmeb-64	130	15	digital	digital	ADJ
ajbmeb-64	130	16	finance	finance	NOUN
ajbmeb-64	130	17	has	have	AUX
ajbmeb-64	130	18	helped	help	VERB
ajbmeb-64	130	19	low	low	ADJ
ajbmeb-64	130	20	-	-	PUNCT
ajbmeb-64	130	21	income	income	NOUN
ajbmeb-64	130	22	families	family	NOUN
ajbmeb-64	130	23	better	well	ADV
ajbmeb-64	130	24	manage	manage	VERB
ajbmeb-64	130	25	their	their	PRON
ajbmeb-64	130	26	education	education	NOUN
ajbmeb-64	130	27	expenditures	expenditure	NOUN
ajbmeb-64	130	28	.	.	PUNCT
ajbmeb-64	131	1	digital	digital	ADJ
ajbmeb-64	131	2	financing	financing	NOUN
ajbmeb-64	131	3	also	also	ADV
ajbmeb-64	131	4	allows	allow	VERB
ajbmeb-64	131	5	the	the	DET
ajbmeb-64	131	6	provision	provision	NOUN
ajbmeb-64	131	7	of	of	ADP
ajbmeb-64	131	8	financial	financial	ADJ
ajbmeb-64	131	9	resources	resource	NOUN
ajbmeb-64	131	10	to	to	PART
ajbmeb-64	131	11	support	support	VERB
ajbmeb-64	131	12	the	the	DET
ajbmeb-64	131	13	male	male	ADJ
ajbmeb-64	131	14	and	and	CCONJ
ajbmeb-64	131	15	female	female	ADJ
ajbmeb-64	131	16	teachers	teacher	NOUN
ajbmeb-64	131	17	segment	segment	NOUN
ajbmeb-64	131	18	and	and	CCONJ
ajbmeb-64	131	19	provide	provide	VERB
ajbmeb-64	131	20	the	the	DET
ajbmeb-64	131	21	appropriate	appropriate	ADJ
ajbmeb-64	131	22	educational	educational	ADJ
ajbmeb-64	131	23	environment	environment	NOUN
ajbmeb-64	131	24	and	and	CCONJ
ajbmeb-64	131	25	technologies	technology	NOUN
ajbmeb-64	131	26	that	that	PRON
ajbmeb-64	131	27	will	will	AUX
ajbmeb-64	131	28	improve	improve	VERB
ajbmeb-64	131	29	the	the	DET
ajbmeb-64	131	30	quality	quality	NOUN
ajbmeb-64	131	31	of	of	ADP
ajbmeb-64	131	32	education	education	NOUN
ajbmeb-64	131	33	.	.	PUNCT
ajbmeb-64	132	1	gender	gender	NOUN
ajbmeb-64	132	2	equality	equality	NOUN
ajbmeb-64	132	3	digital	digital	ADJ
ajbmeb-64	132	4	finance	finance	NOUN
ajbmeb-64	132	5	channels	channel	NOUN
ajbmeb-64	132	6	help	help	VERB
ajbmeb-64	132	7	women	woman	NOUN
ajbmeb-64	132	8	to	to	PART
ajbmeb-64	132	9	gain	gain	VERB
ajbmeb-64	132	10	more	more	ADJ
ajbmeb-64	132	11	resources	resource	NOUN
ajbmeb-64	132	12	and	and	CCONJ
ajbmeb-64	132	13	assets	asset	NOUN
ajbmeb-64	132	14	in	in	ADP
ajbmeb-64	132	15	a	a	DET
ajbmeb-64	132	16	way	way	NOUN
ajbmeb-64	132	17	that	that	PRON
ajbmeb-64	132	18	enhances	enhance	VERB
ajbmeb-64	132	19	their	their	PRON
ajbmeb-64	132	20	financial	financial	ADJ
ajbmeb-64	132	21	capacity	capacity	NOUN
ajbmeb-64	132	22	and	and	CCONJ
ajbmeb-64	132	23	increases	increase	VERB
ajbmeb-64	132	24	the	the	DET
ajbmeb-64	132	25	ability	ability	NOUN
ajbmeb-64	132	26	of	of	ADP
ajbmeb-64	132	27	women	woman	NOUN
ajbmeb-64	132	28	to	to	PART
ajbmeb-64	132	29	manage	manage	VERB
ajbmeb-64	132	30	their	their	PRON
ajbmeb-64	132	31	financial	financial	ADJ
ajbmeb-64	132	32	assets	asset	NOUN
ajbmeb-64	132	33	securely	securely	ADV
ajbmeb-64	132	34	,	,	PUNCT
ajbmeb-64	132	35	increase	increase	VERB
ajbmeb-64	132	36	the	the	DET
ajbmeb-64	132	37	ability	ability	NOUN
ajbmeb-64	132	38	to	to	PART
ajbmeb-64	132	39	access	access	VERB
ajbmeb-64	132	40	their	their	PRON
ajbmeb-64	132	41	bank	bank	NOUN
ajbmeb-64	132	42	accounts	account	NOUN
ajbmeb-64	132	43	,	,	PUNCT
ajbmeb-64	132	44	and	and	CCONJ
ajbmeb-64	132	45	collect	collect	VERB
ajbmeb-64	132	46	financial	financial	ADJ
ajbmeb-64	132	47	data	datum	NOUN
ajbmeb-64	132	48	on	on	ADP
ajbmeb-64	132	49	business	business	NOUN
ajbmeb-64	132	50	owners	owner	NOUN
ajbmeb-64	132	51	clean	clean	ADJ
ajbmeb-64	132	52	and	and	CCONJ
ajbmeb-64	132	53	healthy	healthy	ADJ
ajbmeb-64	132	54	water	water	NOUN
ajbmeb-64	132	55	one	one	NUM
ajbmeb-64	132	56	of	of	ADP
ajbmeb-64	132	57	the	the	DET
ajbmeb-64	132	58	most	most	ADV
ajbmeb-64	132	59	prominent	prominent	ADJ
ajbmeb-64	132	60	concerns	concern	NOUN
ajbmeb-64	132	61	of	of	ADP
ajbmeb-64	132	62	modern	modern	ADJ
ajbmeb-64	132	63	financial	financial	ADJ
ajbmeb-64	132	64	technologies	technology	NOUN
ajbmeb-64	132	65	and	and	CCONJ
ajbmeb-64	132	66	digital	digital	ADJ
ajbmeb-64	132	67	finance	finance	NOUN
ajbmeb-64	132	68	is	be	AUX
ajbmeb-64	132	69	to	to	PART
ajbmeb-64	132	70	provide	provide	VERB
ajbmeb-64	132	71	digital	digital	ADJ
ajbmeb-64	132	72	channels	channel	NOUN
ajbmeb-64	132	73	,	,	PUNCT
ajbmeb-64	132	74	billing	billing	NOUN
ajbmeb-64	132	75	,	,	PUNCT
ajbmeb-64	132	76	and	and	CCONJ
ajbmeb-64	132	77	payment	payment	NOUN
ajbmeb-64	132	78	to	to	PART
ajbmeb-64	132	79	reduce	reduce	VERB
ajbmeb-64	132	80	operating	operating	NOUN
ajbmeb-64	132	81	expenses	expense	NOUN
ajbmeb-64	132	82	and	and	CCONJ
ajbmeb-64	132	83	secure	secure	VERB
ajbmeb-64	132	84	cash	cash	NOUN
ajbmeb-64	132	85	flows	flow	NOUN
ajbmeb-64	132	86	,	,	PUNCT
ajbmeb-64	132	87	which	which	PRON
ajbmeb-64	132	88	helps	help	VERB
ajbmeb-64	132	89	those	those	PRON
ajbmeb-64	132	90	responsible	responsible	ADJ
ajbmeb-64	132	91	for	for	ADP
ajbmeb-64	132	92	providing	provide	VERB
ajbmeb-64	132	93	services	service	NOUN
ajbmeb-64	132	94	to	to	PART
ajbmeb-64	132	95	provide	provide	VERB
ajbmeb-64	132	96	a	a	DET
ajbmeb-64	132	97	broader	broad	ADJ
ajbmeb-64	132	98	supply	supply	NOUN
ajbmeb-64	132	99	of	of	ADP
ajbmeb-64	132	100	healthy	healthy	ADJ
ajbmeb-64	132	101	water	water	NOUN
ajbmeb-64	132	102	to	to	ADP
ajbmeb-64	132	103	customers	customer	NOUN
ajbmeb-64	132	104	in	in	ADP
ajbmeb-64	132	105	rural	rural	ADJ
ajbmeb-64	132	106	areas	area	NOUN
ajbmeb-64	132	107	.	.	PUNCT
ajbmeb-64	133	1	clean	clean	ADJ
ajbmeb-64	133	2	energy	energy	NOUN
ajbmeb-64	133	3	at	at	ADP
ajbmeb-64	133	4	reasonable	reasonable	ADJ
ajbmeb-64	133	5	prices	price	NOUN
ajbmeb-64	133	6	one	one	NUM
ajbmeb-64	133	7	of	of	ADP
ajbmeb-64	133	8	the	the	DET
ajbmeb-64	133	9	most	most	ADV
ajbmeb-64	133	10	important	important	ADJ
ajbmeb-64	133	11	goals	goal	NOUN
ajbmeb-64	133	12	of	of	ADP
ajbmeb-64	133	13	digital	digital	ADJ
ajbmeb-64	133	14	finance	finance	NOUN
ajbmeb-64	133	15	is	be	AUX
ajbmeb-64	133	16	to	to	PART
ajbmeb-64	133	17	provide	provide	VERB
ajbmeb-64	133	18	financial	financial	ADJ
ajbmeb-64	133	19	systems	system	NOUN
ajbmeb-64	133	20	that	that	PRON
ajbmeb-64	133	21	will	will	AUX
ajbmeb-64	133	22	reduce	reduce	VERB
ajbmeb-64	133	23	operational	operational	ADJ
ajbmeb-64	133	24	costs	cost	NOUN
ajbmeb-64	133	25	and	and	CCONJ
ajbmeb-64	133	26	thus	thus	ADV
ajbmeb-64	133	27	increase	increase	VERB
ajbmeb-64	133	28	access	access	NOUN
ajbmeb-64	133	29	to	to	ADP
ajbmeb-64	133	30	energy	energy	NOUN
ajbmeb-64	133	31	and	and	CCONJ
ajbmeb-64	133	32	expand	expand	VERB
ajbmeb-64	133	33	the	the	DET
ajbmeb-64	133	34	area	area	NOUN
ajbmeb-64	133	35	of	of	ADP
ajbmeb-64	133	36	investment	investment	NOUN
ajbmeb-64	133	37	in	in	ADP
ajbmeb-64	133	38	this	this	DET
ajbmeb-64	133	39	sector	sector	NOUN
ajbmeb-64	133	40	decent	decent	ADJ
ajbmeb-64	133	41	work	work	NOUN
ajbmeb-64	133	42	and	and	CCONJ
ajbmeb-64	133	43	economic	economic	ADJ
ajbmeb-64	133	44	growth	growth	NOUN
ajbmeb-64	133	45	digital	digital	ADJ
ajbmeb-64	133	46	financial	financial	ADJ
ajbmeb-64	133	47	services	service	NOUN
ajbmeb-64	133	48	allow	allow	VERB
ajbmeb-64	133	49	small	small	ADJ
ajbmeb-64	133	50	and	and	CCONJ
ajbmeb-64	133	51	medium	medium	ADJ
ajbmeb-64	133	52	-	-	PUNCT
ajbmeb-64	133	53	sized	sized	ADJ
ajbmeb-64	133	54	enterprises	enterprise	NOUN
ajbmeb-64	133	55	to	to	PART
ajbmeb-64	133	56	reduce	reduce	VERB
ajbmeb-64	133	57	the	the	DET
ajbmeb-64	133	58	costs	cost	NOUN
ajbmeb-64	133	59	of	of	ADP
ajbmeb-64	133	60	dealing	deal	VERB
ajbmeb-64	133	61	with	with	ADP
ajbmeb-64	133	62	money	money	NOUN
ajbmeb-64	133	63	and	and	CCONJ
ajbmeb-64	133	64	increase	increase	VERB
ajbmeb-64	133	65	access	access	NOUN
ajbmeb-64	133	66	to	to	ADP
ajbmeb-64	133	67	the	the	DET
ajbmeb-64	133	68	financing	financing	NOUN
ajbmeb-64	133	69	needed	need	VERB
ajbmeb-64	133	70	to	to	PART
ajbmeb-64	133	71	manage	manage	VERB
ajbmeb-64	133	72	these	these	DET
ajbmeb-64	133	73	projects	project	NOUN
ajbmeb-64	133	74	industry	industry	NOUN
ajbmeb-64	133	75	,	,	PUNCT
ajbmeb-64	133	76	innovation	innovation	NOUN
ajbmeb-64	133	77	and	and	CCONJ
ajbmeb-64	133	78	infrastructure	infrastructure	NOUN
ajbmeb-64	133	79	digital	digital	ADJ
ajbmeb-64	133	80	finance	finance	NOUN
ajbmeb-64	133	81	and	and	CCONJ
ajbmeb-64	133	82	modern	modern	ADJ
ajbmeb-64	133	83	financial	financial	ADJ
ajbmeb-64	133	84	technologies	technology	NOUN
ajbmeb-64	133	85	contribute	contribute	VERB
ajbmeb-64	133	86	to	to	ADP
ajbmeb-64	133	87	facilitating	facilitate	VERB
ajbmeb-64	133	88	access	access	NOUN
ajbmeb-64	133	89	to	to	ADP
ajbmeb-64	133	90	new	new	ADJ
ajbmeb-64	133	91	markets	market	NOUN
ajbmeb-64	133	92	.	.	PUNCT
ajbmeb-64	134	1	this	this	PRON
ajbmeb-64	134	2	drives	drive	VERB
ajbmeb-64	134	3	digital	digital	ADJ
ajbmeb-64	134	4	economic	economic	ADJ
ajbmeb-64	134	5	growth	growth	NOUN
ajbmeb-64	134	6	forward	forward	ADV
ajbmeb-64	134	7	,	,	PUNCT
ajbmeb-64	134	8	and	and	CCONJ
ajbmeb-64	134	9	digital	digital	ADJ
ajbmeb-64	134	10	financial	financial	ADJ
ajbmeb-64	134	11	services	service	NOUN
ajbmeb-64	134	12	help	help	AUX
ajbmeb-64	134	13	grow	grow	VERB
ajbmeb-64	134	14	and	and	CCONJ
ajbmeb-64	134	15	innovate	innovate	VERB
ajbmeb-64	134	16	,	,	PUNCT
ajbmeb-64	134	17	enabling	enable	VERB
ajbmeb-64	134	18	small	small	ADJ
ajbmeb-64	134	19	and	and	CCONJ
ajbmeb-64	134	20	medium	medium	ADJ
ajbmeb-64	134	21	-	-	PUNCT
ajbmeb-64	134	22	sized	sized	ADJ
ajbmeb-64	134	23	businesses	business	NOUN
ajbmeb-64	134	24	to	to	PART
ajbmeb-64	134	25	build	build	VERB
ajbmeb-64	134	26	their	their	PRON
ajbmeb-64	134	27	archive	archive	NOUN
ajbmeb-64	134	28	,	,	PUNCT
ajbmeb-64	134	29	payment	payment	NOUN
ajbmeb-64	134	30	history	history	NOUN
ajbmeb-64	134	31	,	,	PUNCT
ajbmeb-64	134	32	and	and	CCONJ
ajbmeb-64	134	33	credit	credit	NOUN
ajbmeb-64	134	34	scores	score	NOUN
ajbmeb-64	134	35	reducing	reduce	VERB
ajbmeb-64	134	36	inequalities	inequality	NOUN
ajbmeb-64	134	37	undoubtedly	undoubtedly	ADV
ajbmeb-64	134	38	,	,	PUNCT
ajbmeb-64	134	39	digital	digital	ADJ
ajbmeb-64	134	40	finance	finance	NOUN
ajbmeb-64	134	41	has	have	VERB
ajbmeb-64	134	42	a	a	DET
ajbmeb-64	134	43	prominent	prominent	ADJ
ajbmeb-64	134	44	role	role	NOUN
ajbmeb-64	134	45	in	in	ADP
ajbmeb-64	134	46	neutralizing	neutralizing	ADJ
ajbmeb-64	134	47	inequalities	inequality	NOUN
ajbmeb-64	134	48	,	,	PUNCT
ajbmeb-64	134	49	as	as	SCONJ
ajbmeb-64	134	50	it	it	PRON
ajbmeb-64	134	51	provides	provide	VERB
ajbmeb-64	134	52	low	low	ADJ
ajbmeb-64	134	53	-	-	PUNCT
ajbmeb-64	134	54	income	income	NOUN
ajbmeb-64	134	55	families	family	NOUN
ajbmeb-64	134	56	with	with	ADP
ajbmeb-64	134	57	new	new	ADJ
ajbmeb-64	134	58	tools	tool	NOUN
ajbmeb-64	134	59	that	that	PRON
ajbmeb-64	134	60	enable	enable	VERB
ajbmeb-64	134	61	them	they	PRON
ajbmeb-64	134	62	to	to	PART
ajbmeb-64	134	63	increase	increase	VERB
ajbmeb-64	134	64	their	their	PRON
ajbmeb-64	134	65	income	income	NOUN
ajbmeb-64	134	66	.	.	PUNCT
ajbmeb-64	135	1	modern	modern	ADJ
ajbmeb-64	135	2	digital	digital	ADJ
ajbmeb-64	135	3	financial	financial	ADJ
ajbmeb-64	135	4	tools	tool	NOUN
ajbmeb-64	135	5	also	also	ADV
ajbmeb-64	135	6	play	play	VERB
ajbmeb-64	135	7	a	a	DET
ajbmeb-64	135	8	prominent	prominent	ADJ
ajbmeb-64	135	9	role	role	NOUN
ajbmeb-64	135	10	in	in	ADP
ajbmeb-64	135	11	increasing	increase	VERB
ajbmeb-64	135	12	the	the	DET
ajbmeb-64	135	13	productivity	productivity	NOUN
ajbmeb-64	135	14	and	and	CCONJ
ajbmeb-64	135	15	incomes	income	NOUN
ajbmeb-64	135	16	of	of	ADP
ajbmeb-64	135	17	rural	rural	ADJ
ajbmeb-64	135	18	families	family	NOUN
ajbmeb-64	135	19	by	by	ADP
ajbmeb-64	135	20	linking	link	VERB
ajbmeb-64	135	21	those	those	DET
ajbmeb-64	135	22	families	family	NOUN
ajbmeb-64	135	23	to	to	ADP
ajbmeb-64	135	24	economic	economic	ADJ
ajbmeb-64	135	25	opportunities	opportunity	NOUN
ajbmeb-64	135	26	outside	outside	ADP
ajbmeb-64	135	27	rural	rural	ADJ
ajbmeb-64	135	28	communities	community	NOUN
ajbmeb-64	135	29	.	.	PUNCT
ajbmeb-64	136	1	sustainable	sustainable	ADJ
ajbmeb-64	136	2	cities	city	NOUN
ajbmeb-64	136	3	and	and	CCONJ
ajbmeb-64	136	4	communities	community	NOUN
ajbmeb-64	136	5	digital	digital	ADJ
ajbmeb-64	136	6	finance	finance	NOUN
ajbmeb-64	136	7	contributes	contribute	VERB
ajbmeb-64	136	8	to	to	ADP
ajbmeb-64	136	9	the	the	DET
ajbmeb-64	136	10	provision	provision	NOUN
ajbmeb-64	136	11	of	of	ADP
ajbmeb-64	136	12	small	small	ADJ
ajbmeb-64	136	13	mortgages	mortgage	NOUN
ajbmeb-64	136	14	,	,	PUNCT
ajbmeb-64	136	15	which	which	PRON
ajbmeb-64	136	16	will	will	AUX
ajbmeb-64	136	17	facilitate	facilitate	VERB
ajbmeb-64	136	18	the	the	DET
ajbmeb-64	136	19	task	task	NOUN
ajbmeb-64	136	20	of	of	ADP
ajbmeb-64	136	21	obtaining	obtain	VERB
ajbmeb-64	136	22	adequate	adequate	ADJ
ajbmeb-64	136	23	housing	housing	NOUN
ajbmeb-64	136	24	,	,	PUNCT
ajbmeb-64	136	25	especially	especially	ADV
ajbmeb-64	136	26	for	for	ADP
ajbmeb-64	136	27	residents	resident	NOUN
ajbmeb-64	136	28	who	who	PRON
ajbmeb-64	136	29	live	live	VERB
ajbmeb-64	136	30	in	in	ADP
ajbmeb-64	136	31	informal	informal	ADJ
ajbmeb-64	136	32	settlements	settlement	NOUN
ajbmeb-64	136	33	responsible	responsible	ADJ
ajbmeb-64	136	34	consumption	consumption	NOUN
ajbmeb-64	136	35	and	and	CCONJ
ajbmeb-64	136	36	production	production	NOUN
ajbmeb-64	136	37	digital	digital	ADJ
ajbmeb-64	136	38	finance	finance	NOUN
ajbmeb-64	136	39	provides	provide	VERB
ajbmeb-64	136	40	suitable	suitable	ADJ
ajbmeb-64	136	41	financing	financing	NOUN
ajbmeb-64	136	42	channels	channel	NOUN
ajbmeb-64	136	43	that	that	PRON
ajbmeb-64	136	44	contribute	contribute	VERB
ajbmeb-64	136	45	to	to	ADP
ajbmeb-64	136	46	regulating	regulate	VERB
ajbmeb-64	136	47	consumption	consumption	NOUN
ajbmeb-64	136	48	and	and	CCONJ
ajbmeb-64	136	49	production	production	NOUN
ajbmeb-64	136	50	processes	process	NOUN
ajbmeb-64	136	51	,	,	PUNCT
ajbmeb-64	136	52	especially	especially	ADV
ajbmeb-64	136	53	for	for	ADP
ajbmeb-64	136	54	low	low	ADJ
ajbmeb-64	136	55	-	-	PUNCT
ajbmeb-64	136	56	income	income	NOUN
ajbmeb-64	136	57	families	family	NOUN
ajbmeb-64	136	58	,	,	PUNCT
ajbmeb-64	136	59	and	and	CCONJ
ajbmeb-64	136	60	helps	help	VERB
ajbmeb-64	136	61	them	they	PRON
ajbmeb-64	136	62	prepare	prepare	VERB
ajbmeb-64	136	63	consumption	consumption	NOUN
ajbmeb-64	136	64	and	and	CCONJ
ajbmeb-64	136	65	production	production	NOUN
ajbmeb-64	136	66	plans	plan	NOUN
ajbmeb-64	136	67	that	that	PRON
ajbmeb-64	136	68	fit	fit	VERB
ajbmeb-64	136	69	the	the	DET
ajbmeb-64	136	70	nature	nature	NOUN
ajbmeb-64	136	71	of	of	ADP
ajbmeb-64	136	72	low	low	ADJ
ajbmeb-64	136	73	-	-	PUNCT
ajbmeb-64	136	74	income	income	NOUN
ajbmeb-64	136	75	families	family	NOUN
ajbmeb-64	136	76	.	.	PUNCT
ajbmeb-64	137	1	climate	climate	NOUN
ajbmeb-64	137	2	action	action	NOUN
ajbmeb-64	137	3	digital	digital	ADJ
ajbmeb-64	137	4	finance	finance	NOUN
ajbmeb-64	137	5	helps	help	VERB
ajbmeb-64	137	6	individuals	individual	NOUN
ajbmeb-64	137	7	,	,	PUNCT
ajbmeb-64	137	8	communities	community	NOUN
ajbmeb-64	137	9	,	,	PUNCT
ajbmeb-64	137	10	and	and	CCONJ
ajbmeb-64	137	11	government	government	NOUN
ajbmeb-64	137	12	combats	combat	VERB
ajbmeb-64	137	13	the	the	DET
ajbmeb-64	137	14	harmful	harmful	ADJ
ajbmeb-64	137	15	effects	effect	NOUN
ajbmeb-64	137	16	of	of	ADP
ajbmeb-64	137	17	climate	climate	NOUN
ajbmeb-64	137	18	change	change	NOUN
ajbmeb-64	137	19	by	by	ADP
ajbmeb-64	137	20	preparing	prepare	VERB
ajbmeb-64	137	21	plans	plan	NOUN
ajbmeb-64	137	22	for	for	ADP
ajbmeb-64	137	23	those	those	DET
ajbmeb-64	137	24	changes	change	NOUN
ajbmeb-64	137	25	,	,	PUNCT
ajbmeb-64	137	26	especially	especially	ADV
ajbmeb-64	137	27	by	by	ADP
ajbmeb-64	137	28	enhancing	enhance	VERB
ajbmeb-64	137	29	resilience	resilience	NOUN
ajbmeb-64	137	30	and	and	CCONJ
ajbmeb-64	137	31	stimulating	stimulate	VERB
ajbmeb-64	137	32	sustainable	sustainable	ADJ
ajbmeb-64	137	33	investments	investment	NOUN
ajbmeb-64	137	34	life	life	NOUN
ajbmeb-64	137	35	under	under	ADP
ajbmeb-64	137	36	water	water	NOUN
ajbmeb-64	137	37	digital	digital	ADJ
ajbmeb-64	137	38	finance	finance	NOUN
ajbmeb-64	137	39	provides	provide	VERB
ajbmeb-64	137	40	many	many	ADJ
ajbmeb-64	137	41	real	real	ADJ
ajbmeb-64	137	42	opportunities	opportunity	NOUN
ajbmeb-64	137	43	,	,	PUNCT
ajbmeb-64	137	44	especially	especially	ADV
ajbmeb-64	137	45	for	for	ADP
ajbmeb-64	137	46	workers	worker	NOUN
ajbmeb-64	137	47	who	who	PRON
ajbmeb-64	137	48	work	work	VERB
ajbmeb-64	137	49	in	in	ADP
ajbmeb-64	137	50	fishing	fishing	NOUN
ajbmeb-64	137	51	,	,	PUNCT
ajbmeb-64	137	52	especially	especially	ADV
ajbmeb-64	137	53	in	in	ADP
ajbmeb-64	137	54	rural	rural	ADJ
ajbmeb-64	137	55	areas	area	NOUN
ajbmeb-64	137	56	,	,	PUNCT
ajbmeb-64	137	57	by	by	ADP
ajbmeb-64	137	58	providing	provide	VERB
ajbmeb-64	137	59	the	the	DET
ajbmeb-64	137	60	necessary	necessary	ADJ
ajbmeb-64	137	61	support	support	NOUN
ajbmeb-64	137	62	and	and	CCONJ
ajbmeb-64	137	63	training	training	NOUN
ajbmeb-64	137	64	in	in	ADP
ajbmeb-64	137	65	a	a	DET
ajbmeb-64	137	66	manner	manner	NOUN
ajbmeb-64	137	67	commensurate	commensurate	ADJ
ajbmeb-64	137	68	with	with	ADP
ajbmeb-64	137	69	the	the	DET
ajbmeb-64	137	70	preservation	preservation	NOUN
ajbmeb-64	137	71	of	of	ADP
ajbmeb-64	137	72	fisheries	fishery	NOUN
ajbmeb-64	137	73	and	and	CCONJ
ajbmeb-64	137	74	the	the	DET
ajbmeb-64	137	75	river	river	NOUN
ajbmeb-64	137	76	and	and	CCONJ
ajbmeb-64	137	77	marine	marine	ADJ
ajbmeb-64	137	78	environment	environment	NOUN
ajbmeb-64	137	79	.	.	PUNCT
ajbmeb-64	138	1	american	american	PROPN
ajbmeb-64	138	2	journal	journal	PROPN
ajbmeb-64	138	3	of	of	ADP
ajbmeb-64	138	4	business	business	NOUN
ajbmeb-64	138	5	management	management	NOUN
ajbmeb-64	138	6	,	,	PUNCT
ajbmeb-64	138	7	economics	economic	NOUN
ajbmeb-64	138	8	and	and	CCONJ
ajbmeb-64	138	9	banking	banking	NOUN
ajbmeb-64	138	10	volume	volume	NOUN
ajbmeb-64	138	11	4	4	NUM
ajbmeb-64	138	12	,	,	PUNCT
ajbmeb-64	138	13	sep	sep	PROPN
ajbmeb-64	138	14	.	.	PROPN
ajbmeb-64	138	15	,	,	PUNCT
ajbmeb-64	138	16	2022	2022	NUM
ajbmeb-64	138	17	p	p	NOUN
ajbmeb-64	138	18	a	a	DET
ajbmeb-64	138	19	g	g	NOUN
ajbmeb-64	138	20	e	e	NOUN
ajbmeb-64	138	21	|	|	ADV
ajbmeb-64	138	22	9	9	NUM
ajbmeb-64	138	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	138	24	life	life	NOUN
ajbmeb-64	138	25	on	on	ADP
ajbmeb-64	138	26	dry	dry	ADJ
ajbmeb-64	138	27	land	land	NOUN
ajbmeb-64	138	28	digital	digital	ADJ
ajbmeb-64	138	29	finance	finance	NOUN
ajbmeb-64	138	30	contributes	contribute	VERB
ajbmeb-64	138	31	to	to	ADP
ajbmeb-64	138	32	preparing	prepare	VERB
ajbmeb-64	138	33	strategies	strategy	NOUN
ajbmeb-64	138	34	to	to	PART
ajbmeb-64	138	35	maintain	maintain	VERB
ajbmeb-64	138	36	ecological	ecological	ADJ
ajbmeb-64	138	37	balance	balance	NOUN
ajbmeb-64	138	38	by	by	ADP
ajbmeb-64	138	39	encouraging	encourage	VERB
ajbmeb-64	138	40	green	green	ADJ
ajbmeb-64	138	41	and	and	CCONJ
ajbmeb-64	138	42	environmentally	environmentally	ADV
ajbmeb-64	138	43	friendly	friendly	ADJ
ajbmeb-64	138	44	investment	investment	NOUN
ajbmeb-64	138	45	peace	peace	NOUN
ajbmeb-64	138	46	,	,	PUNCT
ajbmeb-64	138	47	justice	justice	NOUN
ajbmeb-64	138	48	and	and	CCONJ
ajbmeb-64	138	49	strong	strong	ADJ
ajbmeb-64	138	50	institutions	institution	NOUN
ajbmeb-64	138	51	digital	digital	ADJ
ajbmeb-64	138	52	finance	finance	NOUN
ajbmeb-64	138	53	systems	system	NOUN
ajbmeb-64	138	54	contribute	contribute	VERB
ajbmeb-64	138	55	to	to	ADP
ajbmeb-64	138	56	strengthening	strengthen	VERB
ajbmeb-64	138	57	the	the	DET
ajbmeb-64	138	58	principle	principle	NOUN
ajbmeb-64	138	59	of	of	ADP
ajbmeb-64	138	60	transparency	transparency	NOUN
ajbmeb-64	138	61	,	,	PUNCT
ajbmeb-64	138	62	implementing	implement	VERB
ajbmeb-64	138	63	the	the	DET
ajbmeb-64	138	64	principle	principle	NOUN
ajbmeb-64	138	65	of	of	ADP
ajbmeb-64	138	66	the	the	DET
ajbmeb-64	138	67	rule	rule	NOUN
ajbmeb-64	138	68	of	of	ADP
ajbmeb-64	138	69	law	law	NOUN
ajbmeb-64	138	70	,	,	PUNCT
ajbmeb-64	138	71	and	and	CCONJ
ajbmeb-64	138	72	ensuring	ensure	VERB
ajbmeb-64	138	73	access	access	NOUN
ajbmeb-64	138	74	to	to	ADP
ajbmeb-64	138	75	justice	justice	NOUN
ajbmeb-64	138	76	for	for	ADP
ajbmeb-64	138	77	all	all	DET
ajbmeb-64	138	78	segments	segment	NOUN
ajbmeb-64	138	79	of	of	ADP
ajbmeb-64	138	80	society	society	NOUN
ajbmeb-64	138	81	contract	contract	NOUN
ajbmeb-64	138	82	companies	company	NOUN
ajbmeb-64	138	83	to	to	PART
ajbmeb-64	138	84	achieve	achieve	VERB
ajbmeb-64	138	85	goals	goal	NOUN
ajbmeb-64	138	86	modern	modern	ADJ
ajbmeb-64	138	87	digital	digital	ADJ
ajbmeb-64	138	88	systems	system	NOUN
ajbmeb-64	138	89	for	for	ADP
ajbmeb-64	138	90	financing	financing	NOUN
ajbmeb-64	138	91	contribute	contribute	VERB
ajbmeb-64	138	92	to	to	ADP
ajbmeb-64	138	93	facilitating	facilitate	VERB
ajbmeb-64	138	94	the	the	DET
ajbmeb-64	138	95	process	process	NOUN
ajbmeb-64	138	96	of	of	ADP
ajbmeb-64	138	97	building	build	VERB
ajbmeb-64	138	98	constructive	constructive	ADJ
ajbmeb-64	138	99	partnerships	partnership	NOUN
ajbmeb-64	138	100	between	between	ADP
ajbmeb-64	138	101	institutions	institution	NOUN
ajbmeb-64	138	102	,	,	PUNCT
ajbmeb-64	138	103	whether	whether	SCONJ
ajbmeb-64	138	104	at	at	ADP
ajbmeb-64	138	105	the	the	DET
ajbmeb-64	138	106	local	local	ADJ
ajbmeb-64	138	107	,	,	PUNCT
ajbmeb-64	138	108	regional	regional	ADJ
ajbmeb-64	138	109	,	,	PUNCT
ajbmeb-64	138	110	or	or	CCONJ
ajbmeb-64	138	111	international	international	ADJ
ajbmeb-64	138	112	levels	level	NOUN
ajbmeb-64	138	113	,	,	PUNCT
ajbmeb-64	138	114	by	by	ADP
ajbmeb-64	138	115	providing	provide	VERB
ajbmeb-64	138	116	financial	financial	ADJ
ajbmeb-64	138	117	data	datum	NOUN
ajbmeb-64	138	118	and	and	CCONJ
ajbmeb-64	138	119	easy	easy	ADJ
ajbmeb-64	138	120	access	access	NOUN
ajbmeb-64	138	121	to	to	ADP
ajbmeb-64	138	122	it	it	PRON
ajbmeb-64	138	123	at	at	ADP
ajbmeb-64	138	124	the	the	DET
ajbmeb-64	138	125	lowest	low	ADJ
ajbmeb-64	138	126	possible	possible	ADJ
ajbmeb-64	138	127	costs	cost	NOUN
ajbmeb-64	138	128	.	.	PUNCT
ajbmeb-64	139	1	in	in	ADP
ajbmeb-64	139	2	this	this	DET
ajbmeb-64	139	3	context	context	NOUN
ajbmeb-64	139	4	and	and	CCONJ
ajbmeb-64	139	5	in	in	ADP
ajbmeb-64	139	6	light	light	NOUN
ajbmeb-64	139	7	of	of	ADP
ajbmeb-64	139	8	the	the	DET
ajbmeb-64	139	9	efforts	effort	NOUN
ajbmeb-64	139	10	made	make	VERB
ajbmeb-64	139	11	by	by	ADP
ajbmeb-64	139	12	the	the	DET
ajbmeb-64	139	13	arab	arab	ADJ
ajbmeb-64	139	14	monetary	monetary	ADJ
ajbmeb-64	139	15	fund	fund	NOUN
ajbmeb-64	139	16	to	to	PART
ajbmeb-64	139	17	advance	advance	VERB
ajbmeb-64	139	18	the	the	DET
ajbmeb-64	139	19	industry	industry	NOUN
ajbmeb-64	139	20	of	of	ADP
ajbmeb-64	139	21	modern	modern	ADJ
ajbmeb-64	139	22	financial	financial	ADJ
ajbmeb-64	139	23	technologies	technology	NOUN
ajbmeb-64	139	24	and	and	CCONJ
ajbmeb-64	139	25	achieve	achieve	VERB
ajbmeb-64	139	26	the	the	DET
ajbmeb-64	139	27	goals	goal	NOUN
ajbmeb-64	139	28	of	of	ADP
ajbmeb-64	139	29	digital	digital	ADJ
ajbmeb-64	139	30	transformation	transformation	NOUN
ajbmeb-64	139	31	that	that	PRON
ajbmeb-64	139	32	supports	support	VERB
ajbmeb-64	139	33	the	the	DET
ajbmeb-64	139	34	enhancement	enhancement	NOUN
ajbmeb-64	139	35	of	of	ADP
ajbmeb-64	139	36	financial	financial	ADJ
ajbmeb-64	139	37	inclusion	inclusion	NOUN
ajbmeb-64	139	38	and	and	CCONJ
ajbmeb-64	139	39	financial	financial	ADJ
ajbmeb-64	139	40	stability	stability	NOUN
ajbmeb-64	139	41	and	and	CCONJ
ajbmeb-64	139	42	the	the	DET
ajbmeb-64	139	43	achievement	achievement	NOUN
ajbmeb-64	139	44	of	of	ADP
ajbmeb-64	139	45	sustainable	sustainable	ADJ
ajbmeb-64	139	46	development	development	NOUN
ajbmeb-64	139	47	goals	goal	NOUN
ajbmeb-64	139	48	.	.	PUNCT
ajbmeb-64	140	1	the	the	DET
ajbmeb-64	140	2	fund	fund	NOUN
ajbmeb-64	140	3	has	have	AUX
ajbmeb-64	140	4	designed	design	VERB
ajbmeb-64	140	5	a	a	DET
ajbmeb-64	140	6	general	general	ADJ
ajbmeb-64	140	7	index	index	NOUN
ajbmeb-64	140	8	consisting	consist	VERB
ajbmeb-64	140	9	of	of	ADP
ajbmeb-64	140	10	100	100	NUM
ajbmeb-64	140	11	percentage	percentage	NOUN
ajbmeb-64	140	12	points	point	NOUN
ajbmeb-64	140	13	divided	divide	VERB
ajbmeb-64	140	14	into	into	ADP
ajbmeb-64	140	15	six	six	NUM
ajbmeb-64	140	16	leading	lead	VERB
ajbmeb-64	140	17	indicators	indicator	NOUN
ajbmeb-64	140	18	(	(	PUNCT
ajbmeb-64	140	19	proposed	propose	VERB
ajbmeb-64	140	20	in	in	ADP
ajbmeb-64	140	21	weights	weight	NOUN
ajbmeb-64	140	22	)	)	PUNCT
ajbmeb-64	140	23	that	that	PRON
ajbmeb-64	140	24	represent	represent	VERB
ajbmeb-64	140	25	the	the	DET
ajbmeb-64	140	26	dimensions	dimension	NOUN
ajbmeb-64	140	27	of	of	ADP
ajbmeb-64	140	28	the	the	DET
ajbmeb-64	140	29	environment	environment	NOUN
ajbmeb-64	140	30	supporting	support	VERB
ajbmeb-64	140	31	modern	modern	ADJ
ajbmeb-64	140	32	financial	financial	ADJ
ajbmeb-64	140	33	technologies	technology	NOUN
ajbmeb-64	140	34	in	in	ADP
ajbmeb-64	140	35	all	all	DET
ajbmeb-64	140	36	arab	arab	ADJ
ajbmeb-64	140	37	countries	country	NOUN
ajbmeb-64	140	38	.	.	PUNCT
ajbmeb-64	141	1	this	this	PRON
ajbmeb-64	141	2	helps	help	VERB
ajbmeb-64	141	3	in	in	ADP
ajbmeb-64	141	4	drawing	draw	VERB
ajbmeb-64	141	5	up	up	ADP
ajbmeb-64	141	6	and	and	CCONJ
ajbmeb-64	141	7	planning	plan	VERB
ajbmeb-64	141	8	the	the	DET
ajbmeb-64	141	9	national	national	ADJ
ajbmeb-64	141	10	policies	policy	NOUN
ajbmeb-64	141	11	for	for	ADP
ajbmeb-64	141	12	each	each	DET
ajbmeb-64	141	13	country	country	NOUN
ajbmeb-64	141	14	and	and	CCONJ
ajbmeb-64	141	15	taking	take	VERB
ajbmeb-64	141	16	advantage	advantage	NOUN
ajbmeb-64	141	17	of	of	ADP
ajbmeb-64	141	18	the	the	DET
ajbmeb-64	141	19	opportunities	opportunity	NOUN
ajbmeb-64	141	20	available	available	ADJ
ajbmeb-64	141	21	in	in	ADP
ajbmeb-64	141	22	the	the	DET
ajbmeb-64	141	23	financial	financial	ADJ
ajbmeb-64	141	24	technology	technology	NOUN
ajbmeb-64	141	25	industry	industry	NOUN
ajbmeb-64	141	26	.	.	PUNCT
ajbmeb-64	142	1	the	the	DET
ajbmeb-64	142	2	following	follow	VERB
ajbmeb-64	142	3	figure	figure	NOUN
ajbmeb-64	142	4	shows	show	VERB
ajbmeb-64	142	5	the	the	DET
ajbmeb-64	142	6	six	six	NUM
ajbmeb-64	142	7	indicators	indicator	NOUN
ajbmeb-64	142	8	above	above	ADP
ajbmeb-64	142	9	figure	figure	NOUN
ajbmeb-64	142	10	(	(	PUNCT
ajbmeb-64	142	11	3	3	NUM
ajbmeb-64	142	12	)	)	PUNCT
ajbmeb-64	142	13	indicators	indicator	NOUN
ajbmeb-64	142	14	of	of	ADP
ajbmeb-64	142	15	modern	modern	ADJ
ajbmeb-64	142	16	financial	financial	ADJ
ajbmeb-64	142	17	technologies	technology	NOUN
ajbmeb-64	142	18	and	and	CCONJ
ajbmeb-64	142	19	their	their	PRON
ajbmeb-64	142	20	weights	weight	NOUN
ajbmeb-64	142	21	source	source	NOUN
ajbmeb-64	142	22	:	:	PUNCT
ajbmeb-64	142	23	prepared	prepare	VERB
ajbmeb-64	142	24	by	by	ADP
ajbmeb-64	142	25	the	the	DET
ajbmeb-64	142	26	researcher	researcher	NOUN
ajbmeb-64	142	27	based	base	VERB
ajbmeb-64	142	28	on	on	ADP
ajbmeb-64	142	29	the	the	DET
ajbmeb-64	142	30	arab	arab	ADJ
ajbmeb-64	142	31	monetary	monetary	PROPN
ajbmeb-64	142	32	fund	fund	PROPN
ajbmeb-64	142	33	report	report	NOUN
ajbmeb-64	142	34	,	,	PUNCT
ajbmeb-64	142	35	2013	2013	NUM
ajbmeb-64	142	36	indicators	indicator	NOUN
ajbmeb-64	142	37	of	of	ADP
ajbmeb-64	142	38	modern	modern	ADJ
ajbmeb-64	142	39	financial	financial	ADJ
ajbmeb-64	142	40	technologies	technology	NOUN
ajbmeb-64	142	41	100	100	NUM
ajbmeb-64	142	42	%	%	NOUN
ajbmeb-64	142	43	25	25	NUM
ajbmeb-64	142	44	%	%	NOUN
ajbmeb-64	142	45	policies	policy	NOUN
ajbmeb-64	142	46	and	and	CCONJ
ajbmeb-64	142	47	legislation	legislation	NOUN
ajbmeb-64	142	48	20	20	NUM
ajbmeb-64	142	49	%	%	NOUN
ajbmeb-64	142	50	infrastructure	infrastructure	NOUN
ajbmeb-64	142	51	financing	financing	NOUN
ajbmeb-64	142	52	demand	demand	NOUN
ajbmeb-64	142	53	side	side	NOUN
ajbmeb-64	142	54	14	14	NUM
ajbmeb-64	142	55	%	%	NOUN
ajbmeb-64	142	56	talent	talent	NOUN
ajbmeb-64	142	57	development	development	NOUN
ajbmeb-64	142	58	14	14	NUM
ajbmeb-64	142	59	%	%	NOUN
ajbmeb-64	142	60	14	14	NUM
ajbmeb-64	142	61	%	%	NOUN
ajbmeb-64	142	62	providing	provide	VERB
ajbmeb-64	142	63	finance	finance	NOUN
ajbmeb-64	142	64	13	13	NUM
ajbmeb-64	142	65	%	%	NOUN
ajbmeb-64	142	66	collaboration	collaboration	NOUN
ajbmeb-64	142	67	and	and	CCONJ
ajbmeb-64	142	68	partnerships	partnership	NOUN
ajbmeb-64	142	69	american	american	PROPN
ajbmeb-64	142	70	journal	journal	PROPN
ajbmeb-64	142	71	of	of	ADP
ajbmeb-64	142	72	business	business	NOUN
ajbmeb-64	142	73	management	management	NOUN
ajbmeb-64	142	74	,	,	PUNCT
ajbmeb-64	142	75	economics	economic	NOUN
ajbmeb-64	142	76	and	and	CCONJ
ajbmeb-64	142	77	banking	banking	NOUN
ajbmeb-64	142	78	volume	volume	NOUN
ajbmeb-64	142	79	4	4	NUM
ajbmeb-64	142	80	,	,	PUNCT
ajbmeb-64	142	81	sep	sep	PROPN
ajbmeb-64	142	82	.	.	PROPN
ajbmeb-64	142	83	,	,	PUNCT
ajbmeb-64	142	84	2022	2022	NUM
ajbmeb-64	142	85	p	p	NOUN
ajbmeb-64	142	86	a	a	DET
ajbmeb-64	142	87	g	g	NOUN
ajbmeb-64	142	88	e	e	NOUN
ajbmeb-64	142	89	|	|	ADV
ajbmeb-64	142	90	10	10	NUM
ajbmeb-64	142	91	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-64	142	92	the	the	DET
ajbmeb-64	142	93	axis	axis	NOUN
ajbmeb-64	142	94	of	of	ADP
ajbmeb-64	142	95	policies	policy	NOUN
ajbmeb-64	142	96	and	and	CCONJ
ajbmeb-64	142	97	legislation	legislation	NOUN
ajbmeb-64	142	98	,	,	PUNCT
ajbmeb-64	142	99	which	which	PRON
ajbmeb-64	142	100	represents	represent	VERB
ajbmeb-64	142	101	25	25	NUM
ajbmeb-64	142	102	%	%	NOUN
ajbmeb-64	142	103	of	of	ADP
ajbmeb-64	142	104	the	the	DET
ajbmeb-64	142	105	weight	weight	NOUN
ajbmeb-64	142	106	of	of	ADP
ajbmeb-64	142	107	modern	modern	ADJ
ajbmeb-64	142	108	financial	financial	ADJ
ajbmeb-64	142	109	technology	technology	NOUN
ajbmeb-64	142	110	indicators	indicator	NOUN
ajbmeb-64	142	111	,	,	PUNCT
ajbmeb-64	142	112	refers	refer	VERB
ajbmeb-64	142	113	to	to	ADP
ajbmeb-64	142	114	all	all	DET
ajbmeb-64	142	115	laws	law	NOUN
ajbmeb-64	142	116	,	,	PUNCT
ajbmeb-64	142	117	regulations	regulation	NOUN
ajbmeb-64	142	118	,	,	PUNCT
ajbmeb-64	142	119	and	and	CCONJ
ajbmeb-64	142	120	institutional	institutional	ADJ
ajbmeb-64	142	121	frameworks	framework	NOUN
ajbmeb-64	142	122	responsible	responsible	ADJ
ajbmeb-64	142	123	for	for	ADP
ajbmeb-64	142	124	financial	financial	ADJ
ajbmeb-64	142	125	activities	activity	NOUN
ajbmeb-64	142	126	and	and	CCONJ
ajbmeb-64	142	127	their	their	PRON
ajbmeb-64	142	128	governance	governance	NOUN
ajbmeb-64	142	129	,	,	PUNCT
ajbmeb-64	142	130	in	in	ADP
ajbmeb-64	142	131	addition	addition	NOUN
ajbmeb-64	142	132	to	to	ADP
ajbmeb-64	142	133	the	the	DET
ajbmeb-64	142	134	necessary	necessary	ADJ
ajbmeb-64	142	135	national	national	ADJ
ajbmeb-64	142	136	strategies	strategy	NOUN
ajbmeb-64	142	137	to	to	PART
ajbmeb-64	142	138	provide	provide	VERB
ajbmeb-64	142	139	a	a	DET
ajbmeb-64	142	140	suitable	suitable	ADJ
ajbmeb-64	142	141	environment	environment	NOUN
ajbmeb-64	142	142	for	for	ADP
ajbmeb-64	142	143	the	the	DET
ajbmeb-64	142	144	work	work	NOUN
ajbmeb-64	142	145	of	of	ADP
ajbmeb-64	142	146	modern	modern	ADJ
ajbmeb-64	142	147	financial	financial	ADJ
ajbmeb-64	142	148	technologies	technology	NOUN
ajbmeb-64	142	149	.	.	PUNCT
ajbmeb-64	143	1	as	as	ADP
ajbmeb-64	143	2	for	for	ADP
ajbmeb-64	143	3	the	the	DET
ajbmeb-64	143	4	demand	demand	NOUN
ajbmeb-64	143	5	side	side	NOUN
ajbmeb-64	143	6	,	,	PUNCT
ajbmeb-64	143	7	which	which	PRON
ajbmeb-64	143	8	weighs	weigh	VERB
ajbmeb-64	143	9	14	14	NUM
ajbmeb-64	143	10	%	%	NOUN
ajbmeb-64	143	11	of	of	ADP
ajbmeb-64	143	12	the	the	DET
ajbmeb-64	143	13	weight	weight	NOUN
ajbmeb-64	143	14	of	of	ADP
ajbmeb-64	143	15	modern	modern	ADJ
ajbmeb-64	143	16	financial	financial	ADJ
ajbmeb-64	143	17	technology	technology	NOUN
ajbmeb-64	143	18	indicators	indicator	NOUN
ajbmeb-64	143	19	,	,	PUNCT
ajbmeb-64	143	20	it	it	PRON
ajbmeb-64	143	21	reflects	reflect	VERB
ajbmeb-64	143	22	the	the	DET
ajbmeb-64	143	23	ability	ability	NOUN
ajbmeb-64	143	24	of	of	ADP
ajbmeb-64	143	25	the	the	DET
ajbmeb-64	143	26	banking	banking	NOUN
ajbmeb-64	143	27	system	system	NOUN
ajbmeb-64	143	28	and	and	CCONJ
ajbmeb-64	143	29	financial	financial	ADJ
ajbmeb-64	143	30	institutions	institution	NOUN
ajbmeb-64	143	31	to	to	PART
ajbmeb-64	143	32	meet	meet	VERB
ajbmeb-64	143	33	the	the	DET
ajbmeb-64	143	34	needs	need	NOUN
ajbmeb-64	143	35	of	of	ADP
ajbmeb-64	143	36	the	the	DET
ajbmeb-64	143	37	business	business	NOUN
ajbmeb-64	143	38	sector	sector	NOUN
ajbmeb-64	143	39	,	,	PUNCT
ajbmeb-64	143	40	such	such	ADJ
ajbmeb-64	143	41	as	as	ADP
ajbmeb-64	143	42	access	access	NOUN
ajbmeb-64	143	43	to	to	ADP
ajbmeb-64	143	44	the	the	DET
ajbmeb-64	143	45	international	international	ADJ
ajbmeb-64	143	46	information	information	NOUN
ajbmeb-64	143	47	network	network	NOUN
ajbmeb-64	143	48	and	and	CCONJ
ajbmeb-64	143	49	everything	everything	PRON
ajbmeb-64	143	50	that	that	PRON
ajbmeb-64	143	51	would	would	AUX
ajbmeb-64	143	52	improve	improve	VERB
ajbmeb-64	143	53	work	work	NOUN
ajbmeb-64	143	54	efficiency	efficiency	NOUN
ajbmeb-64	143	55	and	and	CCONJ
ajbmeb-64	143	56	reduce	reduce	VERB
ajbmeb-64	143	57	its	its	PRON
ajbmeb-64	143	58	costs	cost	NOUN
ajbmeb-64	143	59	.	.	PUNCT
ajbmeb-64	144	1	while	while	SCONJ
ajbmeb-64	144	2	the	the	DET
ajbmeb-64	144	3	axis	axis	NOUN
ajbmeb-64	144	4	of	of	ADP
ajbmeb-64	144	5	providing	provide	VERB
ajbmeb-64	144	6	finance	finance	NOUN
ajbmeb-64	144	7	constituted	constitute	VERB
ajbmeb-64	144	8	14	14	NUM
ajbmeb-64	144	9	%	%	NOUN
ajbmeb-64	144	10	of	of	ADP
ajbmeb-64	144	11	the	the	DET
ajbmeb-64	144	12	total	total	ADJ
ajbmeb-64	144	13	weights	weight	NOUN
ajbmeb-64	144	14	of	of	ADP
ajbmeb-64	144	15	the	the	DET
ajbmeb-64	144	16	indicators	indicator	NOUN
ajbmeb-64	144	17	of	of	ADP
ajbmeb-64	144	18	modern	modern	ADJ
ajbmeb-64	144	19	financial	financial	ADJ
ajbmeb-64	144	20	technologies	technology	NOUN
ajbmeb-64	144	21	,	,	PUNCT
ajbmeb-64	144	22	about	about	ADP
ajbmeb-64	144	23	the	the	DET
ajbmeb-64	144	24	state	state	NOUN
ajbmeb-64	144	25	's	's	PART
ajbmeb-64	144	26	provision	provision	NOUN
ajbmeb-64	144	27	of	of	ADP
ajbmeb-64	144	28	the	the	DET
ajbmeb-64	144	29	necessary	necessary	ADJ
ajbmeb-64	144	30	support	support	NOUN
ajbmeb-64	144	31	to	to	PART
ajbmeb-64	144	32	facilitate	facilitate	VERB
ajbmeb-64	144	33	access	access	NOUN
ajbmeb-64	144	34	and	and	CCONJ
ajbmeb-64	144	35	financing	financing	NOUN
ajbmeb-64	144	36	processes	process	NOUN
ajbmeb-64	144	37	,	,	PUNCT
ajbmeb-64	144	38	the	the	DET
ajbmeb-64	144	39	axis	axis	NOUN
ajbmeb-64	144	40	of	of	ADP
ajbmeb-64	144	41	talent	talent	NOUN
ajbmeb-64	144	42	development	development	NOUN
ajbmeb-64	144	43	constituted	constitute	VERB
ajbmeb-64	144	44	14	14	NUM
ajbmeb-64	144	45	%	%	NOUN
ajbmeb-64	144	46	of	of	ADP
ajbmeb-64	144	47	the	the	DET
ajbmeb-64	144	48	total	total	ADJ
ajbmeb-64	144	49	weights	weight	NOUN
ajbmeb-64	144	50	.	.	PUNCT
ajbmeb-64	145	1	this	this	DET
ajbmeb-64	145	2	axis	axis	NOUN
ajbmeb-64	145	3	indicates	indicate	VERB
ajbmeb-64	145	4	the	the	DET
ajbmeb-64	145	5	development	development	NOUN
ajbmeb-64	145	6	of	of	ADP
ajbmeb-64	145	7	the	the	DET
ajbmeb-64	145	8	capabilities	capability	NOUN
ajbmeb-64	145	9	of	of	ADP
ajbmeb-64	145	10	workers	worker	NOUN
ajbmeb-64	145	11	in	in	ADP
ajbmeb-64	145	12	the	the	DET
ajbmeb-64	145	13	banking	banking	NOUN
ajbmeb-64	145	14	sector	sector	NOUN
ajbmeb-64	145	15	and	and	CCONJ
ajbmeb-64	145	16	refining	refine	VERB
ajbmeb-64	145	17	their	their	PRON
ajbmeb-64	145	18	talents	talent	NOUN
ajbmeb-64	145	19	.	.	PUNCT
ajbmeb-64	146	1	in	in	ADP
ajbmeb-64	146	2	order	order	NOUN
ajbmeb-64	146	3	to	to	PART
ajbmeb-64	146	4	generate	generate	VERB
ajbmeb-64	146	5	innovations	innovation	NOUN
ajbmeb-64	146	6	that	that	PRON
ajbmeb-64	146	7	serve	serve	VERB
ajbmeb-64	146	8	the	the	DET
ajbmeb-64	146	9	modern	modern	ADJ
ajbmeb-64	146	10	financial	financial	ADJ
ajbmeb-64	146	11	technology	technology	NOUN
ajbmeb-64	146	12	sector	sector	NOUN
ajbmeb-64	146	13	,	,	PUNCT
ajbmeb-64	146	14	the	the	DET
ajbmeb-64	146	15	financial	financial	ADJ
ajbmeb-64	146	16	infrastructure	infrastructure	NOUN
ajbmeb-64	146	17	axis	axis	NOUN
ajbmeb-64	146	18	constituted	constitute	VERB
ajbmeb-64	146	19	a	a	DET
ajbmeb-64	146	20	percentage	percentage	NOUN
ajbmeb-64	146	21	of	of	ADP
ajbmeb-64	146	22	20	20	NUM
ajbmeb-64	146	23	%	%	NOUN
ajbmeb-64	146	24	.	.	PUNCT
ajbmeb-64	147	1	providing	provide	VERB
ajbmeb-64	147	2	an	an	DET
ajbmeb-64	147	3	excellent	excellent	ADJ
ajbmeb-64	147	4	financial	financial	ADJ
ajbmeb-64	147	5	infrastructure	infrastructure	NOUN
ajbmeb-64	147	6	would	would	AUX
ajbmeb-64	147	7	achieve	achieve	VERB
ajbmeb-64	147	8	the	the	DET
ajbmeb-64	147	9	desired	desire	VERB
ajbmeb-64	147	10	use	use	NOUN
ajbmeb-64	147	11	of	of	ADP
ajbmeb-64	147	12	modern	modern	ADJ
ajbmeb-64	147	13	financial	financial	ADJ
ajbmeb-64	147	14	technologies	technology	NOUN
ajbmeb-64	147	15	.	.	PUNCT
ajbmeb-64	148	1	examples	example	NOUN
ajbmeb-64	148	2	include	include	VERB
ajbmeb-64	148	3	the	the	DET
ajbmeb-64	148	4	digitization	digitization	NOUN
ajbmeb-64	148	5	of	of	ADP
ajbmeb-64	148	6	payments	payment	NOUN
ajbmeb-64	148	7	,	,	PUNCT
ajbmeb-64	148	8	modern	modern	ADJ
ajbmeb-64	148	9	financial	financial	ADJ
ajbmeb-64	148	10	technologies	technology	NOUN
ajbmeb-64	148	11	in	in	ADP
ajbmeb-64	148	12	financial	financial	ADJ
ajbmeb-64	148	13	settlements	settlement	NOUN
ajbmeb-64	148	14	between	between	ADP
ajbmeb-64	148	15	local	local	ADJ
ajbmeb-64	148	16	and	and	CCONJ
ajbmeb-64	148	17	international	international	ADJ
ajbmeb-64	148	18	banks	bank	NOUN
ajbmeb-64	148	19	,	,	PUNCT
ajbmeb-64	148	20	and	and	CCONJ
ajbmeb-64	148	21	the	the	DET
ajbmeb-64	148	22	implementation	implementation	NOUN
ajbmeb-64	148	23	of	of	ADP
ajbmeb-64	148	24	clearing	clearing	NOUN
ajbmeb-64	148	25	and	and	CCONJ
ajbmeb-64	148	26	trading	trading	NOUN
ajbmeb-64	148	27	works	work	NOUN
ajbmeb-64	148	28	.	.	PUNCT
ajbmeb-64	149	1	as	as	ADP
ajbmeb-64	149	2	for	for	ADP
ajbmeb-64	149	3	the	the	DET
ajbmeb-64	149	4	axis	axis	NOUN
ajbmeb-64	149	5	of	of	ADP
ajbmeb-64	149	6	cooperation	cooperation	NOUN
ajbmeb-64	149	7	and	and	CCONJ
ajbmeb-64	149	8	partnerships	partnership	NOUN
ajbmeb-64	149	9	,	,	PUNCT
ajbmeb-64	149	10	it	it	PRON
ajbmeb-64	149	11	constituted	constitute	VERB
ajbmeb-64	149	12	13	13	NUM
ajbmeb-64	149	13	%	%	NOUN
ajbmeb-64	149	14	of	of	ADP
ajbmeb-64	149	15	the	the	DET
ajbmeb-64	149	16	total	total	ADJ
ajbmeb-64	149	17	weights	weight	NOUN
ajbmeb-64	149	18	,	,	PUNCT
ajbmeb-64	149	19	and	and	CCONJ
ajbmeb-64	149	20	the	the	DET
ajbmeb-64	149	21	function	function	NOUN
ajbmeb-64	149	22	of	of	ADP
ajbmeb-64	149	23	this	this	DET
ajbmeb-64	149	24	indicator	indicator	NOUN
ajbmeb-64	149	25	is	be	AUX
ajbmeb-64	149	26	to	to	PART
ajbmeb-64	149	27	give	give	VERB
ajbmeb-64	149	28	a	a	DET
ajbmeb-64	149	29	perception	perception	NOUN
ajbmeb-64	149	30	of	of	ADP
ajbmeb-64	149	31	cooperation	cooperation	NOUN
ajbmeb-64	149	32	and	and	CCONJ
ajbmeb-64	149	33	partnership	partnership	NOUN
ajbmeb-64	149	34	between	between	ADP
ajbmeb-64	149	35	all	all	DET
ajbmeb-64	149	36	relevant	relevant	ADJ
ajbmeb-64	149	37	parties	party	NOUN
ajbmeb-64	149	38	such	such	ADJ
ajbmeb-64	149	39	as	as	ADP
ajbmeb-64	149	40	banks	bank	NOUN
ajbmeb-64	149	41	and	and	CCONJ
ajbmeb-64	149	42	financial	financial	ADJ
ajbmeb-64	149	43	institutions	institution	NOUN
ajbmeb-64	149	44	among	among	ADP
ajbmeb-64	149	45	themselves	themselves	PRON
ajbmeb-64	149	46	and	and	CCONJ
ajbmeb-64	149	47	with	with	ADP
ajbmeb-64	149	48	modern	modern	ADJ
ajbmeb-64	149	49	financial	financial	ADJ
ajbmeb-64	149	50	technology	technology	NOUN
ajbmeb-64	149	51	companies	company	NOUN
ajbmeb-64	149	52	and	and	CCONJ
ajbmeb-64	149	53	institutions	institution	NOUN
ajbmeb-64	149	54	,	,	PUNCT
ajbmeb-64	149	55	whether	whether	SCONJ
ajbmeb-64	149	56	at	at	ADP
ajbmeb-64	149	57	the	the	DET
ajbmeb-64	149	58	local	local	ADJ
ajbmeb-64	149	59	,	,	PUNCT
ajbmeb-64	149	60	regional	regional	ADJ
ajbmeb-64	149	61	or	or	CCONJ
ajbmeb-64	149	62	international	international	ADJ
ajbmeb-64	149	63	levels	level	NOUN
ajbmeb-64	149	64	.	.	PUNCT
ajbmeb-64	150	1	with	with	ADP
ajbmeb-64	150	2	regard	regard	NOUN
ajbmeb-64	150	3	to	to	ADP
ajbmeb-64	150	4	iraq	iraq	PROPN
ajbmeb-64	150	5	,	,	PUNCT
ajbmeb-64	150	6	the	the	DET
ajbmeb-64	150	7	data	datum	NOUN
ajbmeb-64	150	8	listed	list	VERB
ajbmeb-64	150	9	in	in	ADP
ajbmeb-64	150	10	table	table	NOUN
ajbmeb-64	150	11	no	no	INTJ
ajbmeb-64	150	12	.	.	PUNCT
ajbmeb-64	151	1	(	(	PUNCT
ajbmeb-64	151	2	2	2	X
ajbmeb-64	151	3	)	)	PUNCT
ajbmeb-64	151	4	the	the	DET
ajbmeb-64	151	5	following	following	NOUN
ajbmeb-64	151	6	indicated	indicate	VERB
ajbmeb-64	151	7	its	its	PRON
ajbmeb-64	151	8	status	status	NOUN
ajbmeb-64	151	9	among	among	ADP
ajbmeb-64	151	10	the	the	DET
ajbmeb-64	151	11	arab	arab	ADJ
ajbmeb-64	151	12	countries	country	NOUN
ajbmeb-64	151	13	concerning	concern	VERB
ajbmeb-64	151	14	the	the	DET
ajbmeb-64	151	15	six	six	NUM
ajbmeb-64	151	16	sub	sub	NOUN
ajbmeb-64	151	17	-	-	NOUN
ajbmeb-64	151	18	indicators	indicator	NOUN
ajbmeb-64	151	19	referred	refer	VERB
ajbmeb-64	151	20	to	to	ADP
ajbmeb-64	151	21	above	above	ADV
ajbmeb-64	151	22	:	:	PUNCT
ajbmeb-64	151	23	table	table	NOUN
ajbmeb-64	151	24	2	2	NUM
ajbmeb-64	151	25	the	the	DET
ajbmeb-64	151	26	general	general	ADJ
ajbmeb-64	151	27	indicator	indicator	NOUN
ajbmeb-64	151	28	and	and	CCONJ
ajbmeb-64	151	29	the	the	DET
ajbmeb-64	151	30	six	six	NUM
ajbmeb-64	151	31	main	main	ADJ
ajbmeb-64	151	32	sub	sub	NOUN
ajbmeb-64	151	33	-	-	NOUN
ajbmeb-64	151	34	indicators	indicator	NOUN
ajbmeb-64	151	35	in	in	ADP
ajbmeb-64	151	36	iraq	iraq	PROPN
ajbmeb-64	151	37	(	(	PUNCT
ajbmeb-64	151	38	%	%	INTJ
ajbmeb-64	151	39	)	)	PUNCT
ajbmeb-64	151	40	policies	policy	NOUN
ajbmeb-64	151	41	and	and	CCONJ
ajbmeb-64	151	42	legislation	legislation	NOUN
ajbmeb-64	151	43	demand	demand	NOUN
ajbmeb-64	151	44	side	side	NOUN
ajbmeb-64	151	45	providing	provide	VERB
ajbmeb-64	151	46	finance	finance	NOUN
ajbmeb-64	151	47	talent	talent	NOUN
ajbmeb-64	151	48	development	development	NOUN
ajbmeb-64	151	49	infrastructure	infrastructure	NOUN
ajbmeb-64	151	50	financing	financing	NOUN
ajbmeb-64	151	51	collaboration	collaboration	NOUN
ajbmeb-64	151	52	and	and	CCONJ
ajbmeb-64	151	53	partnerships	partnership	NOUN
ajbmeb-64	151	54	general	general	ADJ
ajbmeb-64	151	55	indicator	indicator	NOUN
ajbmeb-64	151	56	0.233	0.233	NUM
ajbmeb-64	151	57	0.267	0.267	NUM
ajbmeb-64	151	58	0.000	0.000	NUM
ajbmeb-64	151	59	0.000	0.000	NUM
ajbmeb-64	151	60	0.243	0.243	NUM
ajbmeb-64	151	61	0.000	0.000	NUM
ajbmeb-64	151	62	14	14	NUM
ajbmeb-64	151	63	source	source	NOUN
ajbmeb-64	151	64	:	:	PUNCT
ajbmeb-64	151	65	prepared	prepare	VERB
ajbmeb-64	151	66	by	by	ADP
ajbmeb-64	151	67	the	the	DET
ajbmeb-64	151	68	researcher	researcher	NOUN
ajbmeb-64	151	69	based	base	VERB
ajbmeb-64	151	70	on	on	ADP
ajbmeb-64	151	71	the	the	DET
ajbmeb-64	151	72	technology	technology	NOUN
ajbmeb-64	151	73	for	for	ADP
ajbmeb-64	151	74	development	development	NOUN
ajbmeb-64	151	75	in	in	ADP
ajbmeb-64	151	76	the	the	DET
ajbmeb-64	151	77	arab	arab	ADJ
ajbmeb-64	151	78	region	region	PROPN
ajbmeb-64	151	79	bulletin	bulletin	PROPN
ajbmeb-64	151	80	,	,	PUNCT
ajbmeb-64	151	81	united	united	PROPN
ajbmeb-64	151	82	nations	nations	PROPN
ajbmeb-64	151	83	,	,	PUNCT
ajbmeb-64	151	84	escwa	escwa	NOUN
ajbmeb-64	151	85	,	,	PUNCT
ajbmeb-64	151	86	2019	2019	NUM
ajbmeb-64	151	87	,	,	PUNCT
ajbmeb-64	151	88	pp	pp	ADJ
ajbmeb-64	151	89	.	.	PUNCT
ajbmeb-64	151	90	85	85	NUM
ajbmeb-64	151	91	-	-	SYM
ajbmeb-64	151	92	115	115	NUM
ajbmeb-64	151	93	.	.	PUNCT
ajbmeb-64	152	1	from	from	ADP
ajbmeb-64	152	2	the	the	DET
ajbmeb-64	152	3	previous	previous	ADJ
ajbmeb-64	152	4	table	table	NOUN
ajbmeb-64	152	5	,	,	PUNCT
ajbmeb-64	152	6	it	it	PRON
ajbmeb-64	152	7	is	be	AUX
ajbmeb-64	152	8	clear	clear	ADJ
ajbmeb-64	152	9	that	that	SCONJ
ajbmeb-64	152	10	iraq	iraq	PROPN
ajbmeb-64	152	11	is	be	AUX
ajbmeb-64	152	12	still	still	ADV
ajbmeb-64	152	13	lagging	lag	VERB
ajbmeb-64	152	14	behind	behind	ADP
ajbmeb-64	152	15	other	other	ADJ
ajbmeb-64	152	16	arab	arab	ADJ
ajbmeb-64	152	17	countries	country	NOUN
ajbmeb-64	152	18	,	,	PUNCT
ajbmeb-64	152	19	especially	especially	ADV
ajbmeb-64	152	20	the	the	DET
ajbmeb-64	152	21	united	united	PROPN
ajbmeb-64	152	22	arab	arab	PROPN
ajbmeb-64	152	23	emirates	emirates	PROPN
ajbmeb-64	152	24	,	,	PUNCT
ajbmeb-64	152	25	saudi	saudi	PROPN
ajbmeb-64	152	26	arabia	arabia	PROPN
ajbmeb-64	152	27	,	,	PUNCT
ajbmeb-64	152	28	and	and	CCONJ
ajbmeb-64	152	29	bahrain	bahrain	NOUN
ajbmeb-64	152	30	.	.	PUNCT
ajbmeb-64	153	1	these	these	DET
ajbmeb-64	153	2	countries	country	NOUN
ajbmeb-64	153	3	achieved	achieve	VERB
ajbmeb-64	153	4	general	general	ADJ
ajbmeb-64	153	5	indicators	indicator	NOUN
ajbmeb-64	153	6	75	75	NUM
ajbmeb-64	153	7	%	%	NOUN
ajbmeb-64	153	8	,	,	PUNCT
ajbmeb-64	153	9	65	65	NUM
ajbmeb-64	153	10	%	%	NOUN
ajbmeb-64	153	11	,	,	PUNCT
ajbmeb-64	153	12	64	64	NUM
ajbmeb-64	153	13	%	%	NOUN
ajbmeb-64	153	14	,	,	PUNCT
ajbmeb-64	153	15	respectively	respectively	ADV
ajbmeb-64	153	16	,	,	PUNCT
ajbmeb-64	153	17	and	and	CCONJ
ajbmeb-64	153	18	occupied	occupy	VERB
ajbmeb-64	153	19	the	the	DET
ajbmeb-64	153	20	first	first	ADJ
ajbmeb-64	153	21	three	three	NUM
ajbmeb-64	153	22	arab	arab	ADJ
ajbmeb-64	153	23	positions	position	NOUN
ajbmeb-64	153	24	in	in	ADP
ajbmeb-64	153	25	this	this	DET
ajbmeb-64	153	26	field	field	NOUN
ajbmeb-64	153	27	,	,	PUNCT
ajbmeb-64	153	28	while	while	SCONJ
ajbmeb-64	153	29	iraq	iraq	PROPN
ajbmeb-64	153	30	ranked	rank	VERB
ajbmeb-64	153	31	before	before	ADP
ajbmeb-64	153	32	the	the	DET
ajbmeb-64	153	33	last	last	ADJ
ajbmeb-64	153	34	with	with	ADP
ajbmeb-64	153	35	a	a	DET
ajbmeb-64	153	36	general	general	ADJ
ajbmeb-64	153	37	indicator	indicator	NOUN
ajbmeb-64	153	38	of	of	ADP
ajbmeb-64	153	39	only	only	ADV
ajbmeb-64	153	40	14	14	NUM
ajbmeb-64	153	41	%	%	NOUN
ajbmeb-64	153	42	.	.	PUNCT
ajbmeb-64	154	1	sudan	sudan	PROPN
ajbmeb-64	154	2	ranked	rank	VERB
ajbmeb-64	154	3	last	last	ADV
ajbmeb-64	154	4	with	with	ADP
ajbmeb-64	154	5	a	a	DET
ajbmeb-64	154	6	general	general	ADJ
ajbmeb-64	154	7	index	index	NOUN
ajbmeb-64	154	8	of	of	ADP
ajbmeb-64	154	9	9	9	NUM
ajbmeb-64	154	10	%	%	NOUN
ajbmeb-64	154	11	.	.	PUNCT
ajbmeb-64	155	1	it	it	PRON
ajbmeb-64	155	2	is	be	AUX
ajbmeb-64	155	3	clear	clear	ADJ
ajbmeb-64	155	4	from	from	ADP
ajbmeb-64	155	5	the	the	DET
ajbmeb-64	155	6	previous	previous	ADJ
ajbmeb-64	155	7	table	table	NOUN
ajbmeb-64	155	8	that	that	SCONJ
ajbmeb-64	155	9	iraq	iraq	PROPN
ajbmeb-64	155	10	has	have	AUX
ajbmeb-64	155	11	not	not	PART
ajbmeb-64	155	12	achieved	achieve	VERB
ajbmeb-64	155	13	any	any	DET
ajbmeb-64	155	14	achievement	achievement	NOUN
ajbmeb-64	155	15	in	in	ADP
ajbmeb-64	155	16	the	the	DET
ajbmeb-64	155	17	three	three	NUM
ajbmeb-64	155	18	indicators	indicator	NOUN
ajbmeb-64	155	19	(	(	PUNCT
ajbmeb-64	155	20	financing	financing	NOUN
ajbmeb-64	155	21	provision	provision	NOUN
ajbmeb-64	155	22	,	,	PUNCT
ajbmeb-64	155	23	talent	talent	NOUN
ajbmeb-64	155	24	development	development	NOUN
ajbmeb-64	155	25	,	,	PUNCT
ajbmeb-64	155	26	cooperation	cooperation	NOUN
ajbmeb-64	155	27	,	,	PUNCT
ajbmeb-64	155	28	and	and	CCONJ
ajbmeb-64	155	29	partnerships	partnership	NOUN
ajbmeb-64	155	30	)	)	PUNCT
ajbmeb-64	155	31	.	.	PUNCT
ajbmeb-64	156	1	the	the	DET
ajbmeb-64	156	2	percentages	percentage	NOUN
ajbmeb-64	156	3	of	of	ADP
ajbmeb-64	156	4	these	these	DET
ajbmeb-64	156	5	indicators	indicator	NOUN
ajbmeb-64	156	6	amounted	amount	VERB
ajbmeb-64	156	7	to	to	ADP
ajbmeb-64	156	8	(	(	PUNCT
ajbmeb-64	156	9	0.000	0.000	NUM
ajbmeb-64	156	10	)	)	PUNCT
ajbmeb-64	156	11	compared	compare	VERB
ajbmeb-64	156	12	to	to	ADP
ajbmeb-64	156	13	the	the	DET
ajbmeb-64	156	14	rest	rest	NOUN
ajbmeb-64	156	15	of	of	ADP
ajbmeb-64	156	16	the	the	DET
ajbmeb-64	156	17	countries	country	NOUN
ajbmeb-64	156	18	that	that	PRON
ajbmeb-64	156	19	have	have	AUX
ajbmeb-64	156	20	achieved	achieve	VERB
ajbmeb-64	156	21	qualitative	qualitative	ADJ
ajbmeb-64	156	22	leaps	leap	NOUN
ajbmeb-64	156	23	in	in	ADP
ajbmeb-64	156	24	these	these	DET
ajbmeb-64	156	25	indicators	indicator	NOUN
ajbmeb-64	156	26	and	and	CCONJ
ajbmeb-64	156	27	made	make	VERB
ajbmeb-64	156	28	advanced	advanced	ADJ
ajbmeb-64	156	29	strides	stride	NOUN
ajbmeb-64	156	30	in	in	ADP
ajbmeb-64	156	31	developing	develop	VERB
ajbmeb-64	156	32	the	the	DET
ajbmeb-64	156	33	modern	modern	ADJ
ajbmeb-64	156	34	financial	financial	ADJ
ajbmeb-64	156	35	technology	technology	NOUN
ajbmeb-64	156	36	sector	sector	NOUN
ajbmeb-64	156	37	.	.	PUNCT
ajbmeb-64	157	1	the	the	DET
ajbmeb-64	157	2	following	follow	VERB
ajbmeb-64	157	3	figure	figure	NOUN
ajbmeb-64	157	4	illustrates	illustrate	VERB
ajbmeb-64	157	5	iraq	iraq	PROPN
ajbmeb-64	157	6	's	's	PART
ajbmeb-64	157	7	arab	arab	ADJ
ajbmeb-64	157	8	position	position	NOUN
ajbmeb-64	157	9	in	in	ADP
ajbmeb-64	157	10	the	the	DET
ajbmeb-64	157	11	indicators	indicator	NOUN
ajbmeb-64	157	12	of	of	ADP
ajbmeb-64	157	13	modern	modern	ADJ
ajbmeb-64	157	14	financial	financial	ADJ
ajbmeb-64	157	15	technologies	technology	NOUN
ajbmeb-64	157	16	:	:	PUNCT
ajbmeb-64	157	17	american	american	PROPN
ajbmeb-64	157	18	journal	journal	PROPN
ajbmeb-64	157	19	of	of	ADP
ajbmeb-64	157	20	business	business	NOUN
ajbmeb-64	157	21	management	management	NOUN
ajbmeb-64	157	22	,	,	PUNCT
ajbmeb-64	157	23	economics	economic	NOUN
ajbmeb-64	157	24	and	and	CCONJ
ajbmeb-64	157	25	banking	banking	NOUN
ajbmeb-64	157	26	volume	volume	NOUN
ajbmeb-64	157	27	4	4	NUM
ajbmeb-64	157	28	,	,	PUNCT
ajbmeb-64	157	29	sep	sep	PROPN
ajbmeb-64	157	30	.	.	PROPN
ajbmeb-64	157	31	,	,	PUNCT
ajbmeb-64	157	32	2022	2022	NUM
ajbmeb-64	157	33	p	p	NOUN
ajbmeb-64	157	34	a	a	DET
ajbmeb-64	157	35	g	g	NOUN
ajbmeb-64	157	36	e	e	NOUN
ajbmeb-64	157	37	|	|	ADV
ajbmeb-64	157	38	11	11	NUM
ajbmeb-64	157	39	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	157	40	figure	figure	NOUN
ajbmeb-64	157	41	4	4	NUM
ajbmeb-64	157	42	iraq	iraq	PROPN
ajbmeb-64	157	43	's	's	PART
ajbmeb-64	157	44	ranking	ranking	NOUN
ajbmeb-64	157	45	in	in	ADP
ajbmeb-64	157	46	the	the	DET
ajbmeb-64	157	47	indicators	indicator	NOUN
ajbmeb-64	157	48	of	of	ADP
ajbmeb-64	157	49	modern	modern	ADJ
ajbmeb-64	157	50	financial	financial	ADJ
ajbmeb-64	157	51	technology	technology	NOUN
ajbmeb-64	157	52	in	in	ADP
ajbmeb-64	157	53	the	the	DET
ajbmeb-64	157	54	arab	arab	ADJ
ajbmeb-64	157	55	world	world	PROPN
ajbmeb-64	157	56	source	source	NOUN
ajbmeb-64	157	57	:	:	PUNCT
ajbmeb-64	157	58	prepared	prepare	VERB
ajbmeb-64	157	59	by	by	ADP
ajbmeb-64	157	60	the	the	DET
ajbmeb-64	157	61	researcher	researcher	NOUN
ajbmeb-64	157	62	based	base	VERB
ajbmeb-64	157	63	on	on	ADP
ajbmeb-64	157	64	the	the	DET
ajbmeb-64	157	65	technology	technology	NOUN
ajbmeb-64	157	66	for	for	ADP
ajbmeb-64	157	67	development	development	NOUN
ajbmeb-64	157	68	in	in	ADP
ajbmeb-64	157	69	the	the	DET
ajbmeb-64	157	70	arab	arab	ADJ
ajbmeb-64	157	71	region	region	PROPN
ajbmeb-64	157	72	bulletin	bulletin	NOUN
ajbmeb-64	157	73	,	,	PUNCT
ajbmeb-64	157	74	a	a	DET
ajbmeb-64	157	75	previously	previously	ADV
ajbmeb-64	157	76	mentioned	mention	VERB
ajbmeb-64	157	77	source	source	NOUN
ajbmeb-64	157	78	.	.	PUNCT
ajbmeb-64	158	1	in	in	ADP
ajbmeb-64	158	2	light	light	NOUN
ajbmeb-64	158	3	of	of	ADP
ajbmeb-64	158	4	the	the	DET
ajbmeb-64	158	5	above	above	ADJ
ajbmeb-64	158	6	results	result	NOUN
ajbmeb-64	158	7	,	,	PUNCT
ajbmeb-64	158	8	iraq	iraq	PROPN
ajbmeb-64	158	9	is	be	AUX
ajbmeb-64	158	10	still	still	ADV
ajbmeb-64	158	11	lagging	lag	VERB
ajbmeb-64	158	12	in	in	ADP
ajbmeb-64	158	13	modern	modern	ADJ
ajbmeb-64	158	14	financial	financial	ADJ
ajbmeb-64	158	15	technologies	technology	NOUN
ajbmeb-64	158	16	compared	compare	VERB
ajbmeb-64	158	17	to	to	ADP
ajbmeb-64	158	18	other	other	ADJ
ajbmeb-64	158	19	countries	country	NOUN
ajbmeb-64	158	20	,	,	PUNCT
ajbmeb-64	158	21	which	which	PRON
ajbmeb-64	158	22	makes	make	VERB
ajbmeb-64	158	23	iraq	iraq	PROPN
ajbmeb-64	158	24	lag	lag	VERB
ajbmeb-64	158	25	behind	behind	ADP
ajbmeb-64	158	26	other	other	ADJ
ajbmeb-64	158	27	countries	country	NOUN
ajbmeb-64	158	28	in	in	ADP
ajbmeb-64	158	29	achieving	achieve	VERB
ajbmeb-64	158	30	the	the	DET
ajbmeb-64	158	31	seventeen	seventeen	NUM
ajbmeb-64	158	32	sustainable	sustainable	ADJ
ajbmeb-64	158	33	development	development	NOUN
ajbmeb-64	158	34	goals	goal	NOUN
ajbmeb-64	158	35	mentioned	mention	VERB
ajbmeb-64	158	36	previously	previously	ADV
ajbmeb-64	158	37	in	in	ADP
ajbmeb-64	158	38	table	table	NOUN
ajbmeb-64	158	39	(	(	PUNCT
ajbmeb-64	158	40	1	1	NUM
ajbmeb-64	158	41	)	)	PUNCT
ajbmeb-64	158	42	.	.	PUNCT
ajbmeb-64	159	1	conclusions	conclusion	NOUN
ajbmeb-64	159	2	and	and	CCONJ
ajbmeb-64	159	3	recommendations	recommendation	NOUN
ajbmeb-64	159	4	first	first	ADV
ajbmeb-64	159	5	:	:	PUNCT
ajbmeb-64	159	6	the	the	DET
ajbmeb-64	159	7	conclusions	conclusion	NOUN
ajbmeb-64	159	8	through	through	ADP
ajbmeb-64	159	9	the	the	DET
ajbmeb-64	159	10	foregoing	foregoing	NOUN
ajbmeb-64	159	11	,	,	PUNCT
ajbmeb-64	159	12	the	the	DET
ajbmeb-64	159	13	study	study	NOUN
ajbmeb-64	159	14	reached	reach	VERB
ajbmeb-64	159	15	several	several	ADJ
ajbmeb-64	159	16	conclusions	conclusion	NOUN
ajbmeb-64	159	17	regarding	regard	VERB
ajbmeb-64	159	18	the	the	DET
ajbmeb-64	159	19	digital	digital	ADJ
ajbmeb-64	159	20	finance	finance	NOUN
ajbmeb-64	159	21	industry	industry	NOUN
ajbmeb-64	159	22	in	in	ADP
ajbmeb-64	159	23	iraq	iraq	PROPN
ajbmeb-64	159	24	,	,	PUNCT
ajbmeb-64	159	25	the	the	DET
ajbmeb-64	159	26	most	most	ADV
ajbmeb-64	159	27	prominent	prominent	ADJ
ajbmeb-64	159	28	of	of	ADP
ajbmeb-64	159	29	which	which	PRON
ajbmeb-64	159	30	are	be	AUX
ajbmeb-64	159	31	:	:	PUNCT
ajbmeb-64	159	32	1the	1the	PRON
ajbmeb-64	159	33	results	result	NOUN
ajbmeb-64	159	34	are	be	AUX
ajbmeb-64	159	35	shown	show	VERB
ajbmeb-64	159	36	in	in	ADP
ajbmeb-64	159	37	table	table	NOUN
ajbmeb-64	159	38	(	(	PUNCT
ajbmeb-64	159	39	2	2	NUM
ajbmeb-64	159	40	)	)	PUNCT
ajbmeb-64	159	41	reflected	reflect	VERB
ajbmeb-64	159	42	a	a	DET
ajbmeb-64	159	43	significant	significant	ADJ
ajbmeb-64	159	44	decline	decline	NOUN
ajbmeb-64	159	45	in	in	ADP
ajbmeb-64	159	46	the	the	DET
ajbmeb-64	159	47	general	general	ADJ
ajbmeb-64	159	48	indicator	indicator	NOUN
ajbmeb-64	159	49	and	and	CCONJ
ajbmeb-64	159	50	the	the	DET
ajbmeb-64	159	51	sub	sub	NOUN
ajbmeb-64	159	52	-	-	NOUN
ajbmeb-64	159	53	indicators	indicator	NOUN
ajbmeb-64	159	54	,	,	PUNCT
ajbmeb-64	159	55	especially	especially	ADV
ajbmeb-64	159	56	those	those	PRON
ajbmeb-64	159	57	related	relate	VERB
ajbmeb-64	159	58	to	to	ADP
ajbmeb-64	159	59	providing	provide	VERB
ajbmeb-64	159	60	financing	financing	NOUN
ajbmeb-64	159	61	,	,	PUNCT
ajbmeb-64	159	62	developing	develop	VERB
ajbmeb-64	159	63	talents	talent	NOUN
ajbmeb-64	159	64	,	,	PUNCT
ajbmeb-64	159	65	cooperation	cooperation	NOUN
ajbmeb-64	159	66	and	and	CCONJ
ajbmeb-64	159	67	partnerships	partnership	NOUN
ajbmeb-64	159	68	.	.	PUNCT
ajbmeb-64	160	1	2undoubtedly	2undoubtedly	NUM
ajbmeb-64	160	2	,	,	PUNCT
ajbmeb-64	160	3	modern	modern	ADJ
ajbmeb-64	160	4	financial	financial	ADJ
ajbmeb-64	160	5	technologies	technology	NOUN
ajbmeb-64	160	6	represented	represent	VERB
ajbmeb-64	160	7	by	by	ADP
ajbmeb-64	160	8	digital	digital	ADJ
ajbmeb-64	160	9	finance	finance	NOUN
ajbmeb-64	160	10	have	have	AUX
ajbmeb-64	160	11	become	become	VERB
ajbmeb-64	160	12	an	an	DET
ajbmeb-64	160	13	integral	integral	ADJ
ajbmeb-64	160	14	part	part	NOUN
ajbmeb-64	160	15	of	of	ADP
ajbmeb-64	160	16	the	the	DET
ajbmeb-64	160	17	lives	life	NOUN
ajbmeb-64	160	18	of	of	ADP
ajbmeb-64	160	19	societies	society	NOUN
ajbmeb-64	160	20	and	and	CCONJ
ajbmeb-64	160	21	a	a	DET
ajbmeb-64	160	22	reality	reality	NOUN
ajbmeb-64	160	23	for	for	ADP
ajbmeb-64	160	24	banking	banking	NOUN
ajbmeb-64	160	25	devices	device	NOUN
ajbmeb-64	160	26	because	because	SCONJ
ajbmeb-64	160	27	they	they	PRON
ajbmeb-64	160	28	provided	provide	VERB
ajbmeb-64	160	29	many	many	ADJ
ajbmeb-64	160	30	financial	financial	ADJ
ajbmeb-64	160	31	innovations	innovation	NOUN
ajbmeb-64	160	32	that	that	PRON
ajbmeb-64	160	33	contributed	contribute	VERB
ajbmeb-64	160	34	to	to	ADP
ajbmeb-64	160	35	the	the	DET
ajbmeb-64	160	36	provision	provision	NOUN
ajbmeb-64	160	37	and	and	CCONJ
ajbmeb-64	160	38	delivery	delivery	NOUN
ajbmeb-64	160	39	of	of	ADP
ajbmeb-64	160	40	various	various	ADJ
ajbmeb-64	160	41	financial	financial	ADJ
ajbmeb-64	160	42	services	service	NOUN
ajbmeb-64	160	43	to	to	ADP
ajbmeb-64	160	44	all	all	DET
ajbmeb-64	160	45	segments	segment	NOUN
ajbmeb-64	160	46	of	of	ADP
ajbmeb-64	160	47	society	society	NOUN
ajbmeb-64	160	48	.	.	PUNCT
ajbmeb-64	161	1	3from	3from	NUM
ajbmeb-64	161	2	the	the	DET
ajbmeb-64	161	3	foregoing	foregoing	NOUN
ajbmeb-64	161	4	,	,	PUNCT
ajbmeb-64	161	5	the	the	DET
ajbmeb-64	161	6	study	study	NOUN
ajbmeb-64	161	7	concluded	conclude	VERB
ajbmeb-64	161	8	that	that	SCONJ
ajbmeb-64	161	9	modern	modern	ADJ
ajbmeb-64	161	10	financial	financial	ADJ
ajbmeb-64	161	11	technologies	technology	NOUN
ajbmeb-64	161	12	(	(	PUNCT
ajbmeb-64	161	13	fintech	fintech	NOUN
ajbmeb-64	161	14	)	)	PUNCT
ajbmeb-64	161	15	had	have	AUX
ajbmeb-64	161	16	become	become	VERB
ajbmeb-64	161	17	imperative	imperative	ADJ
ajbmeb-64	161	18	to	to	PART
ajbmeb-64	161	19	advance	advance	VERB
ajbmeb-64	161	20	the	the	DET
ajbmeb-64	161	21	wheel	wheel	NOUN
ajbmeb-64	161	22	of	of	ADP
ajbmeb-64	161	23	sustainable	sustainable	ADJ
ajbmeb-64	161	24	development	development	NOUN
ajbmeb-64	161	25	and	and	CCONJ
ajbmeb-64	161	26	achieve	achieve	VERB
ajbmeb-64	161	27	its	its	PRON
ajbmeb-64	161	28	goals	goal	NOUN
ajbmeb-64	161	29	at	at	ADP
ajbmeb-64	161	30	the	the	DET
ajbmeb-64	161	31	lowest	low	ADJ
ajbmeb-64	161	32	costs	cost	NOUN
ajbmeb-64	161	33	.	.	PUNCT
ajbmeb-64	162	1	second	second	ADJ
ajbmeb-64	162	2	/	/	SYM
ajbmeb-64	162	3	recommendations	recommendation	NOUN
ajbmeb-64	163	1	1the	1the	PRON
ajbmeb-64	163	2	necessity	necessity	NOUN
ajbmeb-64	163	3	of	of	ADP
ajbmeb-64	163	4	developing	develop	VERB
ajbmeb-64	163	5	an	an	DET
ajbmeb-64	163	6	integrated	integrated	ADJ
ajbmeb-64	163	7	legislative	legislative	ADJ
ajbmeb-64	163	8	framework	framework	NOUN
ajbmeb-64	163	9	and	and	CCONJ
ajbmeb-64	163	10	providing	provide	VERB
ajbmeb-64	163	11	an	an	DET
ajbmeb-64	163	12	appropriate	appropriate	ADJ
ajbmeb-64	163	13	and	and	CCONJ
ajbmeb-64	163	14	supportive	supportive	ADJ
ajbmeb-64	163	15	environment	environment	NOUN
ajbmeb-64	163	16	for	for	ADP
ajbmeb-64	163	17	modern	modern	ADJ
ajbmeb-64	163	18	financial	financial	ADJ
ajbmeb-64	163	19	technologies	technology	NOUN
ajbmeb-64	163	20	would	would	AUX
ajbmeb-64	163	21	increase	increase	VERB
ajbmeb-64	163	22	the	the	DET
ajbmeb-64	163	23	chances	chance	NOUN
ajbmeb-64	163	24	of	of	ADP
ajbmeb-64	163	25	achieving	achieve	VERB
ajbmeb-64	163	26	tangible	tangible	ADJ
ajbmeb-64	163	27	progress	progress	NOUN
ajbmeb-64	163	28	in	in	ADP
ajbmeb-64	163	29	the	the	DET
ajbmeb-64	163	30	indicators	indicator	NOUN
ajbmeb-64	163	31	of	of	ADP
ajbmeb-64	163	32	modern	modern	ADJ
ajbmeb-64	163	33	financial	financial	ADJ
ajbmeb-64	163	34	technologies	technology	NOUN
ajbmeb-64	163	35	.	.	PUNCT
ajbmeb-64	164	1	2working	2worke	VERB
ajbmeb-64	164	2	on	on	ADP
ajbmeb-64	164	3	designing	design	VERB
ajbmeb-64	164	4	strategies	strategy	NOUN
ajbmeb-64	164	5	that	that	PRON
ajbmeb-64	164	6	would	would	AUX
ajbmeb-64	164	7	develop	develop	VERB
ajbmeb-64	164	8	talents	talent	NOUN
ajbmeb-64	164	9	'	'	PART
ajbmeb-64	164	10	capabilities	capability	NOUN
ajbmeb-64	164	11	and	and	CCONJ
ajbmeb-64	164	12	help	help	VERB
ajbmeb-64	164	13	them	they	PRON
ajbmeb-64	164	14	with	with	ADP
ajbmeb-64	164	15	modern	modern	ADJ
ajbmeb-64	164	16	financial	financial	ADJ
ajbmeb-64	164	17	innovations	innovation	NOUN
ajbmeb-64	164	18	,	,	PUNCT
ajbmeb-64	164	19	as	as	ADV
ajbmeb-64	164	20	well	well	ADV
ajbmeb-64	164	21	as	as	ADP
ajbmeb-64	164	22	the	the	DET
ajbmeb-64	164	23	need	need	NOUN
ajbmeb-64	164	24	to	to	PART
ajbmeb-64	164	25	take	take	VERB
ajbmeb-64	164	26	care	care	NOUN
ajbmeb-64	164	27	of	of	ADP
ajbmeb-64	164	28	youth	youth	NOUN
ajbmeb-64	164	29	and	and	CCONJ
ajbmeb-64	164	30	university	university	NOUN
ajbmeb-64	164	31	students	student	NOUN
ajbmeb-64	164	32	,	,	PUNCT
ajbmeb-64	164	33	and	and	CCONJ
ajbmeb-64	164	34	75	75	NUM
ajbmeb-64	164	35	65	65	NUM
ajbmeb-64	164	36	64	64	NUM
ajbmeb-64	164	37	55	55	NUM
ajbmeb-64	164	38	52	52	NUM
ajbmeb-64	164	39	41	41	NUM
ajbmeb-64	164	40	40	40	NUM
ajbmeb-64	164	41	32	32	NUM
ajbmeb-64	164	42	28	28	NUM
ajbmeb-64	164	43	25	25	NUM
ajbmeb-64	164	44	22	22	NUM
ajbmeb-64	164	45	18	18	NUM
ajbmeb-64	164	46	14	14	NUM
ajbmeb-64	164	47	9	9	NUM
ajbmeb-64	164	48	american	american	ADJ
ajbmeb-64	164	49	journal	journal	PROPN
ajbmeb-64	164	50	of	of	ADP
ajbmeb-64	164	51	business	business	NOUN
ajbmeb-64	164	52	management	management	NOUN
ajbmeb-64	164	53	,	,	PUNCT
ajbmeb-64	164	54	economics	economic	NOUN
ajbmeb-64	164	55	and	and	CCONJ
ajbmeb-64	164	56	banking	banking	NOUN
ajbmeb-64	164	57	volume	volume	NOUN
ajbmeb-64	164	58	4	4	NUM
ajbmeb-64	164	59	,	,	PUNCT
ajbmeb-64	164	60	sep	sep	PROPN
ajbmeb-64	164	61	.	.	PROPN
ajbmeb-64	164	62	,	,	PUNCT
ajbmeb-64	164	63	2022	2022	NUM
ajbmeb-64	164	64	p	p	NOUN
ajbmeb-64	164	65	a	a	DET
ajbmeb-64	164	66	g	g	NOUN
ajbmeb-64	164	67	e	e	NOUN
ajbmeb-64	164	68	|	|	NOUN
ajbmeb-64	164	69	12	12	NUM
ajbmeb-64	164	70	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-64	164	71	teach	teach	VERB
ajbmeb-64	164	72	modern	modern	ADJ
ajbmeb-64	164	73	financial	financial	ADJ
ajbmeb-64	164	74	technology	technology	NOUN
ajbmeb-64	164	75	subjects	subject	NOUN
ajbmeb-64	164	76	,	,	PUNCT
ajbmeb-64	164	77	especially	especially	ADV
ajbmeb-64	164	78	in	in	ADP
ajbmeb-64	164	79	financial	financial	ADJ
ajbmeb-64	164	80	and	and	CCONJ
ajbmeb-64	164	81	banking	banking	NOUN
ajbmeb-64	164	82	departments	department	NOUN
ajbmeb-64	164	83	,	,	PUNCT
ajbmeb-64	164	84	to	to	PART
ajbmeb-64	164	85	build	build	VERB
ajbmeb-64	164	86	an	an	DET
ajbmeb-64	164	87	experienced	experienced	ADJ
ajbmeb-64	164	88	generation	generation	NOUN
ajbmeb-64	164	89	to	to	PART
ajbmeb-64	164	90	work	work	VERB
ajbmeb-64	164	91	on	on	ADP
ajbmeb-64	164	92	providing	provide	VERB
ajbmeb-64	164	93	the	the	DET
ajbmeb-64	164	94	best	good	ADJ
ajbmeb-64	164	95	banking	banking	NOUN
ajbmeb-64	164	96	services	service	NOUN
ajbmeb-64	164	97	.	.	PUNCT
ajbmeb-64	165	1	3working	3working	NUM
ajbmeb-64	165	2	on	on	ADP
ajbmeb-64	165	3	designing	design	VERB
ajbmeb-64	165	4	and	and	CCONJ
ajbmeb-64	165	5	establishing	establish	VERB
ajbmeb-64	165	6	national	national	ADJ
ajbmeb-64	165	7	platforms	platform	NOUN
ajbmeb-64	165	8	related	relate	VERB
ajbmeb-64	165	9	to	to	ADP
ajbmeb-64	165	10	digital	digital	ADJ
ajbmeb-64	165	11	identity	identity	NOUN
ajbmeb-64	165	12	and	and	CCONJ
ajbmeb-64	165	13	establishing	establish	VERB
ajbmeb-64	165	14	digitized	digitize	VERB
ajbmeb-64	165	15	financial	financial	ADJ
ajbmeb-64	165	16	systems	system	NOUN
ajbmeb-64	165	17	,	,	PUNCT
ajbmeb-64	165	18	especially	especially	ADV
ajbmeb-64	165	19	government	government	NOUN
ajbmeb-64	165	20	payment	payment	NOUN
ajbmeb-64	165	21	systems	system	NOUN
ajbmeb-64	165	22	,	,	PUNCT
ajbmeb-64	165	23	and	and	CCONJ
ajbmeb-64	165	24	private	private	ADJ
ajbmeb-64	165	25	sector	sector	NOUN
ajbmeb-64	165	26	payments	payment	NOUN
ajbmeb-64	165	27	.	.	PUNCT
ajbmeb-64	166	1	references	reference	NOUN
ajbmeb-64	166	2	first	first	ADV
ajbmeb-64	166	3	:	:	PUNCT
ajbmeb-64	166	4	arabic	arabic	ADJ
ajbmeb-64	166	5	sources	source	NOUN
ajbmeb-64	166	6	:	:	PUNCT
ajbmeb-64	166	7	1	1	X
ajbmeb-64	166	8	.	.	X
ajbmeb-64	166	9	central	central	ADJ
ajbmeb-64	166	10	bank	bank	PROPN
ajbmeb-64	166	11	of	of	ADP
ajbmeb-64	166	12	iraq	iraq	PROPN
ajbmeb-64	166	13	,	,	PUNCT
ajbmeb-64	166	14	report	report	VERB
ajbmeb-64	166	15	on	on	ADP
ajbmeb-64	166	16	financial	financial	ADJ
ajbmeb-64	166	17	stability	stability	NOUN
ajbmeb-64	166	18	,	,	PUNCT
ajbmeb-64	166	19	2017	2017	NUM
ajbmeb-64	166	20	,	,	PUNCT
ajbmeb-64	166	21	p.	p.	NOUN
ajbmeb-64	166	22	83	83	NUM
ajbmeb-64	166	23	.	.	PUNCT
ajbmeb-64	167	1	2	2	X
ajbmeb-64	167	2	.	.	X
ajbmeb-64	167	3	ibtihaj	ibtihaj	PROPN
ajbmeb-64	167	4	ismail	ismail	PROPN
ajbmeb-64	167	5	yaqoub	yaqoub	PROPN
ajbmeb-64	167	6	,	,	PUNCT
ajbmeb-64	167	7	fayhaa	fayhaa	PROPN
ajbmeb-64	167	8	abdullah	abdullah	PROPN
ajbmeb-64	167	9	yaqoub	yaqoub	PROPN
ajbmeb-64	167	10	,	,	PUNCT
ajbmeb-64	167	11	zainab	zainab	PROPN
ajbmeb-64	167	12	juma	juma	PROPN
ajbmeb-64	167	13	matar	matar	PROPN
ajbmeb-64	167	14	,	,	PUNCT
ajbmeb-64	167	15	financial	financial	ADJ
ajbmeb-64	167	16	technology	technology	NOUN
ajbmeb-64	167	17	as	as	ADP
ajbmeb-64	167	18	one	one	NUM
ajbmeb-64	167	19	of	of	ADP
ajbmeb-64	167	20	the	the	DET
ajbmeb-64	167	21	recovery	recovery	NOUN
ajbmeb-64	167	22	strategies	strategy	NOUN
ajbmeb-64	167	23	of	of	ADP
ajbmeb-64	167	24	the	the	DET
ajbmeb-64	167	25	iraqi	iraqi	ADJ
ajbmeb-64	167	26	banking	banking	NOUN
ajbmeb-64	167	27	sector	sector	NOUN
ajbmeb-64	167	28	in	in	ADP
ajbmeb-64	167	29	the	the	DET
ajbmeb-64	167	30	post	post	ADJ
ajbmeb-64	167	31	-	-	ADJ
ajbmeb-64	167	32	covid-19	covid-19	ADJ
ajbmeb-64	167	33	era	era	NOUN
ajbmeb-64	167	34	:	:	PUNCT
ajbmeb-64	167	35	an	an	DET
ajbmeb-64	167	36	exploratory	exploratory	ADJ
ajbmeb-64	167	37	study	study	NOUN
ajbmeb-64	167	38	,	,	PUNCT
ajbmeb-64	167	39	the	the	DET
ajbmeb-64	167	40	second	second	ADJ
ajbmeb-64	167	41	international	international	ADJ
ajbmeb-64	167	42	and	and	CCONJ
ajbmeb-64	167	43	fourth	fourth	ADJ
ajbmeb-64	167	44	national	national	ADJ
ajbmeb-64	167	45	scientific	scientific	ADJ
ajbmeb-64	167	46	conference	conference	NOUN
ajbmeb-64	167	47	,	,	PUNCT
ajbmeb-64	167	48	jafs	jafs	NOUN
ajbmeb-64	167	49	journal	journal	PROPN
ajbmeb-64	167	50	of	of	ADP
ajbmeb-64	167	51	accounting	accounting	NOUN
ajbmeb-64	167	52	and	and	CCONJ
ajbmeb-64	167	53	financial	financial	ADJ
ajbmeb-64	167	54	studies	study	NOUN
ajbmeb-64	167	55	,	,	PUNCT
ajbmeb-64	167	56	2021	2021	NUM
ajbmeb-64	167	57	,	,	PUNCT
ajbmeb-64	167	58	p.	p.	NOUN
ajbmeb-64	167	59	68	68	NUM
ajbmeb-64	167	60	.	.	PUNCT
ajbmeb-64	168	1	3	3	X
ajbmeb-64	168	2	.	.	X
ajbmeb-64	168	3	financial	financial	ADJ
ajbmeb-64	168	4	technology	technology	NOUN
ajbmeb-64	168	5	report	report	NOUN
ajbmeb-64	168	6	in	in	ADP
ajbmeb-64	168	7	the	the	DET
ajbmeb-64	168	8	middle	middle	PROPN
ajbmeb-64	168	9	east	east	PROPN
ajbmeb-64	168	10	and	and	CCONJ
ajbmeb-64	168	11	north	north	PROPN
ajbmeb-64	168	12	africa	africa	PROPN
ajbmeb-64	168	13	,	,	PUNCT
ajbmeb-64	168	14	financial	financial	ADJ
ajbmeb-64	168	15	services	service	NOUN
ajbmeb-64	168	16	sector	sector	NOUN
ajbmeb-64	168	17	trends	trend	NOUN
ajbmeb-64	168	18	,	,	PUNCT
ajbmeb-64	168	19	2019	2019	NUM
ajbmeb-64	168	20	,	,	PUNCT
ajbmeb-64	168	21	p.	p.	NOUN
ajbmeb-64	168	22	7	7	NUM
ajbmeb-64	168	23	.	.	X
ajbmeb-64	169	1	4	4	NUM
ajbmeb-64	169	2	.	.	X
ajbmeb-64	169	3	hassan	hassan	PROPN
ajbmeb-64	169	4	taha	taha	PROPN
ajbmeb-64	169	5	hassan	hassan	PROPN
ajbmeb-64	169	6	,	,	PUNCT
ajbmeb-64	169	7	(	(	PUNCT
ajbmeb-64	169	8	the	the	DET
ajbmeb-64	169	9	islamic	islamic	ADJ
ajbmeb-64	169	10	financial	financial	ADJ
ajbmeb-64	169	11	industry	industry	NOUN
ajbmeb-64	169	12	reality	reality	NOUN
ajbmeb-64	169	13	and	and	CCONJ
ajbmeb-64	169	14	challenges	challenge	NOUN
ajbmeb-64	169	15	)	)	PUNCT
ajbmeb-64	169	16	,	,	PUNCT
ajbmeb-64	169	17	a	a	DET
ajbmeb-64	169	18	paper	paper	NOUN
ajbmeb-64	169	19	presented	present	VERB
ajbmeb-64	169	20	to	to	ADP
ajbmeb-64	169	21	the	the	DET
ajbmeb-64	169	22	international	international	ADJ
ajbmeb-64	169	23	conference	conference	NOUN
ajbmeb-64	169	24	,	,	PUNCT
ajbmeb-64	169	25	institutional	institutional	ADJ
ajbmeb-64	169	26	integration	integration	NOUN
ajbmeb-64	169	27	of	of	ADP
ajbmeb-64	169	28	the	the	DET
ajbmeb-64	169	29	islamic	islamic	ADJ
ajbmeb-64	169	30	banking	banking	PROPN
ajbmeb-64	169	31	and	and	CCONJ
ajbmeb-64	169	32	financial	financial	ADJ
ajbmeb-64	169	33	industry	industry	NOUN
ajbmeb-64	169	34	,	,	PUNCT
ajbmeb-64	169	35	hassiba	hassiba	PROPN
ajbmeb-64	169	36	ben	ben	PROPN
ajbmeb-64	169	37	bouali	bouali	PROPN
ajbmeb-64	169	38	university	university	PROPN
ajbmeb-64	169	39	,	,	PUNCT
ajbmeb-64	169	40	algeria	algeria	PROPN
ajbmeb-64	169	41	,	,	PUNCT
ajbmeb-64	169	42	2019	2019	NUM
ajbmeb-64	169	43	,	,	PUNCT
ajbmeb-64	169	44	p.	p.	NOUN
ajbmeb-64	169	45	18	18	NUM
ajbmeb-64	169	46	.	.	PUNCT
ajbmeb-64	170	1	5	5	X
ajbmeb-64	170	2	.	.	X
ajbmeb-64	170	3	rachida	rachida	PROPN
ajbmeb-64	170	4	zawiya	zawiya	PROPN
ajbmeb-64	170	5	,	,	PUNCT
ajbmeb-64	170	6	saida	saida	PROPN
ajbmeb-64	170	7	balaour	balaour	PROPN
ajbmeb-64	170	8	,	,	PUNCT
ajbmeb-64	170	9	financial	financial	ADJ
ajbmeb-64	170	10	technology	technology	NOUN
ajbmeb-64	170	11	and	and	CCONJ
ajbmeb-64	170	12	its	its	PRON
ajbmeb-64	170	13	role	role	NOUN
ajbmeb-64	170	14	in	in	ADP
ajbmeb-64	170	15	accelerating	accelerate	VERB
ajbmeb-64	170	16	financial	financial	ADJ
ajbmeb-64	170	17	inclusion	inclusion	NOUN
ajbmeb-64	170	18	for	for	ADP
ajbmeb-64	170	19	sustainable	sustainable	ADJ
ajbmeb-64	170	20	development	development	NOUN
ajbmeb-64	170	21	,	,	PUNCT
ajbmeb-64	170	22	the	the	DET
ajbmeb-64	170	23	national	national	PROPN
ajbmeb-64	170	24	forum	forum	PROPN
ajbmeb-64	170	25	entitled	entitle	VERB
ajbmeb-64	170	26	(	(	PUNCT
ajbmeb-64	170	27	the	the	DET
ajbmeb-64	170	28	financial	financial	ADJ
ajbmeb-64	170	29	technology	technology	NOUN
ajbmeb-64	170	30	industry	industry	NOUN
ajbmeb-64	170	31	and	and	CCONJ
ajbmeb-64	170	32	its	its	PRON
ajbmeb-64	170	33	role	role	NOUN
ajbmeb-64	170	34	in	in	ADP
ajbmeb-64	170	35	enhancing	enhance	VERB
ajbmeb-64	170	36	financial	financial	ADJ
ajbmeb-64	170	37	inclusion	inclusion	NOUN
ajbmeb-64	170	38	in	in	ADP
ajbmeb-64	170	39	arab	arab	ADJ
ajbmeb-64	170	40	countries	country	NOUN
ajbmeb-64	170	41	)	)	PUNCT
ajbmeb-64	170	42	,	,	PUNCT
ajbmeb-64	170	43	yahya	yahya	PROPN
ajbmeb-64	170	44	fares	fare	NOUN
ajbmeb-64	170	45	university	university	PROPN
ajbmeb-64	170	46	,	,	PUNCT
ajbmeb-64	170	47	algeria	algeria	PROPN
ajbmeb-64	170	48	,	,	PUNCT
ajbmeb-64	170	49	2019	2019	NUM
ajbmeb-64	170	50	,	,	PUNCT
ajbmeb-64	170	51	p.	p.	NOUN
ajbmeb-64	170	52	8	8	NUM
ajbmeb-64	170	53	.	.	X
ajbmeb-64	171	1	6	6	NUM
ajbmeb-64	171	2	.	.	X
ajbmeb-64	172	1	zahra	zahra	PROPN
ajbmeb-64	172	2	,	,	PUNCT
ajbmeb-64	172	3	sayed	say	VERB
ajbmeb-64	172	4	omar	omar	PROPN
ajbmeb-64	172	5	,	,	PUNCT
ajbmeb-64	172	6	dahman	dahman	PROPN
ajbmeb-64	172	7	,	,	PUNCT
ajbmeb-64	172	8	ibn	ibn	PROPN
ajbmeb-64	172	9	abdel	abdel	PROPN
ajbmeb-64	172	10	-	-	PUNCT
ajbmeb-64	172	11	fattah	fattah	PROPN
ajbmeb-64	172	12	,	,	PUNCT
ajbmeb-64	172	13	financial	financial	ADJ
ajbmeb-64	172	14	technology	technology	NOUN
ajbmeb-64	172	15	as	as	ADP
ajbmeb-64	172	16	a	a	DET
ajbmeb-64	172	17	tool	tool	NOUN
ajbmeb-64	172	18	to	to	PART
ajbmeb-64	172	19	enhance	enhance	VERB
ajbmeb-64	172	20	financial	financial	ADJ
ajbmeb-64	172	21	inclusion	inclusion	NOUN
ajbmeb-64	172	22	in	in	ADP
ajbmeb-64	172	23	the	the	DET
ajbmeb-64	172	24	arab	arab	ADJ
ajbmeb-64	172	25	world	world	NOUN
ajbmeb-64	172	26	a	a	DET
ajbmeb-64	172	27	case	case	NOUN
ajbmeb-64	172	28	study	study	NOUN
ajbmeb-64	172	29	of	of	ADP
ajbmeb-64	172	30	the	the	DET
ajbmeb-64	172	31	middle	middle	PROPN
ajbmeb-64	172	32	east	east	PROPN
ajbmeb-64	172	33	and	and	CCONJ
ajbmeb-64	172	34	north	north	PROPN
ajbmeb-64	172	35	africa	africa	PROPN
ajbmeb-64	172	36	,	,	PUNCT
ajbmeb-64	172	37	journal	journal	NOUN
ajbmeb-64	172	38	of	of	ADP
ajbmeb-64	172	39	economic	economic	ADJ
ajbmeb-64	172	40	integration	integration	NOUN
ajbmeb-64	172	41	,	,	PUNCT
ajbmeb-64	172	42	2020	2020	NUM
ajbmeb-64	172	43	,	,	PUNCT
ajbmeb-64	172	44	vol	vol	NOUN
ajbmeb-64	172	45	.	.	NOUN
ajbmeb-64	172	46	8	8	NUM
ajbmeb-64	172	47	,	,	PUNCT
ajbmeb-64	172	48	no	no	INTJ
ajbmeb-64	172	49	.	.	NOUN
ajbmeb-64	172	50	1	1	NUM
ajbmeb-64	172	51	,	,	PUNCT
ajbmeb-64	172	52	pp	pp	ADJ
ajbmeb-64	172	53	.	.	PUNCT
ajbmeb-64	173	1	63	63	NUM
ajbmeb-64	173	2	-	-	SYM
ajbmeb-64	173	3	79	79	NUM
ajbmeb-64	173	4	.	.	PUNCT
ajbmeb-64	174	1	7	7	X
ajbmeb-64	174	2	.	.	X
ajbmeb-64	174	3	arab	arab	PROPN
ajbmeb-64	174	4	monetary	monetary	PROPN
ajbmeb-64	174	5	fund	fund	PROPN
ajbmeb-64	174	6	,	,	PUNCT
ajbmeb-64	174	7	mobile	mobile	ADJ
ajbmeb-64	174	8	payment	payment	NOUN
ajbmeb-64	174	9	systems	system	NOUN
ajbmeb-64	174	10	/	/	SYM
ajbmeb-64	174	11	dimensions	dimension	NOUN
ajbmeb-64	174	12	,	,	PUNCT
ajbmeb-64	174	13	and	and	CCONJ
ajbmeb-64	174	14	required	required	ADJ
ajbmeb-64	174	15	rules	rule	NOUN
ajbmeb-64	174	16	,	,	PUNCT
ajbmeb-64	174	17	the	the	DET
ajbmeb-64	174	18	arab	arab	PROPN
ajbmeb-64	174	19	committee	committee	PROPN
ajbmeb-64	174	20	for	for	ADP
ajbmeb-64	174	21	payment	payment	NOUN
ajbmeb-64	174	22	and	and	CCONJ
ajbmeb-64	174	23	settlement	settlement	NOUN
ajbmeb-64	174	24	systems	system	NOUN
ajbmeb-64	174	25	,	,	PUNCT
ajbmeb-64	174	26	2013	2013	NUM
ajbmeb-64	174	27	.	.	PUNCT
ajbmeb-64	175	1	8	8	NUM
ajbmeb-64	175	2	.	.	X
ajbmeb-64	175	3	omani	omani	ADJ
ajbmeb-64	175	4	,	,	PUNCT
ajbmeb-64	175	5	lamia	lamia	NOUN
ajbmeb-64	175	6	,	,	PUNCT
ajbmeb-64	175	7	hamdosh	hamdosh	PROPN
ajbmeb-64	175	8	,	,	PUNCT
ajbmeb-64	175	9	wafaa	wafaa	NOUN
ajbmeb-64	175	10	,	,	PUNCT
ajbmeb-64	175	11	"	"	PUNCT
ajbmeb-64	175	12	journal	journal	NOUN
ajbmeb-64	175	13	of	of	ADP
ajbmeb-64	175	14	administrative	administrative	ADJ
ajbmeb-64	175	15	and	and	CCONJ
ajbmeb-64	175	16	financial	financial	ADJ
ajbmeb-64	175	17	sciences	science	NOUN
ajbmeb-64	175	18	,	,	PUNCT
ajbmeb-64	175	19	"	"	PUNCT
ajbmeb-64	175	20	vol	vol	NOUN
ajbmeb-64	175	21	.	.	PROPN
ajbmeb-64	175	22	1	1	NUM
ajbmeb-64	175	23	,	,	PUNCT
ajbmeb-64	175	24	number	number	NOUN
ajbmeb-64	175	25	1	1	NUM
ajbmeb-64	175	26	,	,	PUNCT
ajbmeb-64	175	27	2017	2017	NUM
ajbmeb-64	175	28	,	,	PUNCT
ajbmeb-64	175	29	p.	p.	NOUN
ajbmeb-64	175	30	393	393	NUM
ajbmeb-64	175	31	.	.	PUNCT
ajbmeb-64	176	1	9	9	NUM
ajbmeb-64	176	2	.	.	PUNCT
ajbmeb-64	176	3	abdul	abdul	PROPN
ajbmeb-64	176	4	rahim	rahim	PROPN
ajbmeb-64	176	5	,	,	PUNCT
ajbmeb-64	176	6	wahiba	wahiba	PROPN
ajbmeb-64	176	7	,	,	PUNCT
ajbmeb-64	176	8	awqasem	awqasem	PROPN
ajbmeb-64	176	9	,	,	PUNCT
ajbmeb-64	176	10	al	al	PROPN
ajbmeb-64	176	11	-	-	PUNCT
ajbmeb-64	176	12	zahraa	zahraa	PROPN
ajbmeb-64	176	13	,	,	PUNCT
ajbmeb-64	176	14	financial	financial	ADJ
ajbmeb-64	176	15	technology	technology	NOUN
ajbmeb-64	176	16	in	in	ADP
ajbmeb-64	176	17	the	the	DET
ajbmeb-64	176	18	gulf	gulf	PROPN
ajbmeb-64	176	19	countries	country	NOUN
ajbmeb-64	176	20	between	between	ADP
ajbmeb-64	176	21	the	the	DET
ajbmeb-64	176	22	newness	newness	NOUN
ajbmeb-64	176	23	of	of	ADP
ajbmeb-64	176	24	the	the	DET
ajbmeb-64	176	25	phenomenon	phenomenon	NOUN
ajbmeb-64	176	26	and	and	CCONJ
ajbmeb-64	176	27	the	the	DET
ajbmeb-64	176	28	speed	speed	NOUN
ajbmeb-64	176	29	of	of	ADP
ajbmeb-64	176	30	absorption	absorption	NOUN
ajbmeb-64	176	31	,	,	PUNCT
ajbmeb-64	176	32	journal	journal	NOUN
ajbmeb-64	176	33	of	of	ADP
ajbmeb-64	176	34	economic	economic	ADJ
ajbmeb-64	176	35	10	10	NUM
ajbmeb-64	176	36	.	.	PUNCT
ajbmeb-64	177	1	studies	study	NOUN
ajbmeb-64	177	2	,	,	PUNCT
ajbmeb-64	177	3	2019	2019	NUM
ajbmeb-64	177	4	,	,	PUNCT
ajbmeb-64	177	5	no	no	INTJ
ajbmeb-64	177	6	.	.	NOUN
ajbmeb-64	177	7	38	38	NUM
ajbmeb-64	177	8	,	,	PUNCT
ajbmeb-64	177	9	p.	p.	NOUN
ajbmeb-64	177	10	329	329	NUM
ajbmeb-64	177	11	.	.	PUNCT
ajbmeb-64	178	1	11	11	NUM
ajbmeb-64	178	2	.	.	PUNCT
ajbmeb-64	179	1	kitabat	kitabat	NOUN
ajbmeb-64	179	2	,	,	PUNCT
ajbmeb-64	179	3	fintech	fintech	NOUN
ajbmeb-64	179	4	,	,	PUNCT
ajbmeb-64	179	5	financial	financial	ADJ
ajbmeb-64	179	6	technology	technology	NOUN
ajbmeb-64	179	7	has	have	AUX
ajbmeb-64	179	8	reached	reach	VERB
ajbmeb-64	179	9	the	the	DET
ajbmeb-64	179	10	arab	arab	ADJ
ajbmeb-64	179	11	countries	country	NOUN
ajbmeb-64	179	12	,	,	PUNCT
ajbmeb-64	179	13	iraq	iraq	PROPN
ajbmeb-64	179	14	is	be	AUX
ajbmeb-64	179	15	devoid	devoid	ADJ
ajbmeb-64	179	16	of	of	ADP
ajbmeb-64	179	17	it	it	PRON
ajbmeb-64	179	18	,	,	PUNCT
ajbmeb-64	179	19	and	and	CCONJ
ajbmeb-64	179	20	the	the	DET
ajbmeb-64	179	21	emirates	emirates	PROPN
ajbmeb-64	179	22	and	and	CCONJ
ajbmeb-64	179	23	egypt	egypt	PROPN
ajbmeb-64	179	24	are	be	AUX
ajbmeb-64	179	25	at	at	ADP
ajbmeb-64	179	26	the	the	DET
ajbmeb-64	179	27	top	top	NOUN
ajbmeb-64	179	28	of	of	ADP
ajbmeb-64	179	29	their	their	PRON
ajbmeb-64	179	30	users	user	NOUN
ajbmeb-64	179	31	,	,	PUNCT
ajbmeb-64	179	32	publication	publication	NOUN
ajbmeb-64	179	33	date	date	NOUN
ajbmeb-64	179	34	,	,	PUNCT
ajbmeb-64	179	35	2017	2017	NUM
ajbmeb-64	179	36	,	,	PUNCT
ajbmeb-64	179	37	https://kitabat.com	https://kitabat.com	X
ajbmeb-64	179	38	.	.	PROPN
ajbmeb-64	179	39	12	12	NUM
ajbmeb-64	179	40	.	.	PUNCT
ajbmeb-64	180	1	muhammad	muhammad	PROPN
ajbmeb-64	180	2	mahmoud	mahmoud	PROPN
ajbmeb-64	180	3	,	,	PUNCT
ajbmeb-64	180	4	the	the	DET
ajbmeb-64	180	5	role	role	NOUN
ajbmeb-64	180	6	of	of	ADP
ajbmeb-64	180	7	financial	financial	ADJ
ajbmeb-64	180	8	technology	technology	NOUN
ajbmeb-64	180	9	in	in	ADP
ajbmeb-64	180	10	developing	develop	VERB
ajbmeb-64	180	11	the	the	DET
ajbmeb-64	180	12	performance	performance	NOUN
ajbmeb-64	180	13	of	of	ADP
ajbmeb-64	180	14	islamic	islamic	ADJ
ajbmeb-64	180	15	banks	bank	NOUN
ajbmeb-64	180	16	,	,	PUNCT
ajbmeb-64	180	17	published	publish	VERB
ajbmeb-64	180	18	article	article	NOUN
ajbmeb-64	180	19	,	,	PUNCT
ajbmeb-64	180	20	2018	2018	NUM
ajbmeb-64	180	21	,	,	PUNCT
ajbmeb-64	180	22	https://islamonline.net/1847	https://islamonline.net/1847	PROPN
ajbmeb-64	180	23	.	.	PROPN
ajbmeb-64	180	24	13	13	NUM
ajbmeb-64	180	25	.	.	PUNCT
ajbmeb-64	180	26	technology	technology	NOUN
ajbmeb-64	180	27	for	for	ADP
ajbmeb-64	180	28	development	development	NOUN
ajbmeb-64	180	29	in	in	ADP
ajbmeb-64	180	30	the	the	DET
ajbmeb-64	180	31	arab	arab	ADJ
ajbmeb-64	180	32	region	region	PROPN
ajbmeb-64	180	33	bulletin	bulletin	PROPN
ajbmeb-64	180	34	,	,	PUNCT
ajbmeb-64	180	35	united	united	PROPN
ajbmeb-64	180	36	nations	nations	PROPN
ajbmeb-64	180	37	,	,	PUNCT
ajbmeb-64	180	38	escwa	escwa	NOUN
ajbmeb-64	180	39	,	,	PUNCT
ajbmeb-64	180	40	2019	2019	NUM
ajbmeb-64	180	41	,	,	PUNCT
ajbmeb-64	180	42	pp	pp	ADJ
ajbmeb-64	180	43	.	.	PUNCT
ajbmeb-64	180	44	85115	85115	NUM
ajbmeb-64	180	45	.	.	PUNCT
ajbmeb-64	181	1	second	second	ADJ
ajbmeb-64	181	2	:	:	PUNCT
ajbmeb-64	181	3	foreign	foreign	ADJ
ajbmeb-64	181	4	sources	source	NOUN
ajbmeb-64	181	5	:	:	PUNCT
ajbmeb-64	181	6	1money	1money	NUM
ajbmeb-64	181	7	of	of	ADP
ajbmeb-64	181	8	the	the	DET
ajbmeb-64	181	9	future	future	ADJ
ajbmeb-64	181	10	report	report	NOUN
ajbmeb-64	181	11	,	,	PUNCT
ajbmeb-64	181	12	2020	2020	NUM
ajbmeb-64	181	13	.	.	PUNCT
ajbmeb-64	182	1	2manika	2manika	NUM
ajbmeb-64	182	2	,	,	PUNCT
ajbmeb-64	182	3	j.	j.	PROPN
ajbmeb-64	182	4	,	,	PUNCT
ajbmeb-64	182	5	lund	lund	PROPN
ajbmeb-64	182	6	,	,	PUNCT
ajbmeb-64	182	7	s.	s.	PROPN
ajbmeb-64	182	8	singer	singer	PROPN
ajbmeb-64	182	9	,	,	PUNCT
ajbmeb-64	182	10	m.	m.	NOUN
ajbmeb-64	182	11	,	,	PUNCT
ajbmeb-64	182	12	white	white	ADJ
ajbmeb-64	182	13	,	,	PUNCT
ajbmeb-64	182	14	o.	o.	NOUN
ajbmeb-64	182	15	,	,	PUNCT
ajbmeb-64	182	16	&	&	CCONJ
ajbmeb-64	182	17	berry	berry	PROPN
ajbmeb-64	182	18	,	,	PUNCT
ajbmeb-64	182	19	c.	c.	PROPN
ajbmeb-64	182	20	(	(	PUNCT
ajbmeb-64	182	21	2016	2016	NUM
ajbmeb-64	182	22	)	)	PUNCT
ajbmeb-64	182	23	.	.	PUNCT
ajbmeb-64	183	1	digital	digital	ADJ
ajbmeb-64	183	2	finance	finance	NOUN
ajbmeb-64	183	3	for	for	ADP
ajbmeb-64	183	4	all	all	PRON
ajbmeb-64	183	5	:	:	PUNCT
ajbmeb-64	183	6	powering	power	VERB
ajbmeb-64	183	7	inclusive	inclusive	ADJ
ajbmeb-64	183	8	growth	growth	NOUN
ajbmeb-64	183	9	in	in	ADP
ajbmeb-64	183	10	emerging	emerge	VERB
ajbmeb-64	183	11	economies	economy	NOUN
ajbmeb-64	183	12	.	.	PUNCT
ajbmeb-64	184	1	mckinsey	mckinsey	PROPN
ajbmeb-64	184	2	global	global	PROPN
ajbmeb-64	184	3	institute	institute	PROPN
ajbmeb-64	184	4	,	,	PUNCT
ajbmeb-64	184	5	1	1	NUM
ajbmeb-64	184	6	-	-	SYM
ajbmeb-64	184	7	15	15	NUM
ajbmeb-64	184	8	.	.	PUNCT
ajbmeb-64	185	1	https://kitabat.com/	https://kitabat.com/	NOUN
ajbmeb-64	185	2	https://islamonline.net/1847	https://islamonline.net/1847	PROPN
ajbmeb-64	185	3	american	american	ADJ
ajbmeb-64	185	4	journal	journal	PROPN
ajbmeb-64	185	5	of	of	ADP
ajbmeb-64	185	6	business	business	NOUN
ajbmeb-64	185	7	management	management	NOUN
ajbmeb-64	185	8	,	,	PUNCT
ajbmeb-64	185	9	economics	economic	NOUN
ajbmeb-64	185	10	and	and	CCONJ
ajbmeb-64	185	11	banking	banking	NOUN
ajbmeb-64	185	12	volume	volume	NOUN
ajbmeb-64	185	13	4	4	NUM
ajbmeb-64	185	14	,	,	PUNCT
ajbmeb-64	185	15	sep	sep	PROPN
ajbmeb-64	185	16	.	.	PROPN
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ajbmeb-64	185	20	a	a	DET
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ajbmeb-64	185	23	|	|	ADV
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ajbmeb-64	186	6	.	.	PUNCT
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ajbmeb-64	187	2	,	,	PUNCT
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ajbmeb-64	187	4	.	.	PROPN
ajbmeb-64	187	5	(	(	PUNCT
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ajbmeb-64	187	8	.	.	PUNCT
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ajbmeb-64	188	8	payment	payment	NOUN
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ajbmeb-64	188	10	.	.	PUNCT
ajbmeb-64	189	1	in	in	ADP
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ajbmeb-64	189	3	payment	payment	NOUN
ajbmeb-64	189	4	systems	system	NOUN
ajbmeb-64	189	5	for	for	ADP
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ajbmeb-64	189	10	-	-	NOUN
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ajbmeb-64	189	12	(	(	PUNCT
ajbmeb-64	189	13	pp.279	pp.279	NOUN
ajbmeb-64	189	14	-	-	PUNCT
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ajbmeb-64	189	17	.	.	PUNCT
ajbmeb-64	190	1	igi	igi	PROPN
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ajbmeb-64	190	3	.	.	PUNCT
ajbmeb-64	191	1	5the	5the	PRON
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ajbmeb-64	191	4	)	)	PUNCT
ajbmeb-64	191	5	.	.	PUNCT
ajbmeb-64	192	1	"	"	PUNCT
ajbmeb-64	192	2	global	global	ADJ
ajbmeb-64	192	3	financial	financial	ADJ
ajbmeb-64	192	4	development	development	NOUN
ajbmeb-64	192	5	:	:	PUNCT
ajbmeb-64	192	6	financial	financial	ADJ
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ajbmeb-64	192	8	,	,	PUNCT
ajbmeb-64	192	9	"	"	PUNCT
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ajbmeb-64	192	12	dc	dc	PROPN
ajbmeb-64	192	13	:	:	PUNCT
ajbmeb-64	192	14	world	world	PROPN
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ajbmeb-64	192	16	.	.	PUNCT
ajbmeb-64	193	1	https://www.cgap.org/blog/10-useful-data-sources-measuring-financial-inclusion	https://www.cgap.org/blog/10-useful-data-sources-measuring-financial-inclusion	PRON