id	sid	tid	token	lemma	pos
ajbmeb-853	1	1	american	american	PROPN
ajbmeb-853	1	2	journal	journal	PROPN
ajbmeb-853	1	3	of	of	ADP
ajbmeb-853	1	4	business	business	NOUN
ajbmeb-853	1	5	management	management	NOUN
ajbmeb-853	1	6	,	,	PUNCT
ajbmeb-853	1	7	economics	economic	NOUN
ajbmeb-853	1	8	and	and	CCONJ
ajbmeb-853	1	9	banking	banking	NOUN
ajbmeb-853	1	10	issn	issn	PROPN
ajbmeb-853	1	11	(	(	PUNCT
ajbmeb-853	1	12	e	e	NOUN
ajbmeb-853	1	13	):	):	PUNCT
ajbmeb-853	1	14	2832	2832	NUM
ajbmeb-853	1	15	-	-	SYM
ajbmeb-853	1	16	8078	8078	NUM
ajbmeb-853	1	17	volume	volume	NOUN
ajbmeb-853	1	18	12	12	NUM
ajbmeb-853	1	19	,	,	PUNCT
ajbmeb-853	1	20	|	|	ADV
ajbmeb-853	1	21	may	may	AUX
ajbmeb-853	1	22	,	,	PUNCT
ajbmeb-853	1	23	2023	2023	NUM
ajbmeb-853	1	24	p	p	NOUN
ajbmeb-853	1	25	a	a	DET
ajbmeb-853	1	26	g	g	NOUN
ajbmeb-853	1	27	e	e	NOUN
ajbmeb-853	1	28	|	|	ADV
ajbmeb-853	1	29	120	120	NUM
ajbmeb-853	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-853	1	31	advantages	advantage	NOUN
ajbmeb-853	1	32	of	of	ADP
ajbmeb-853	1	33	using	use	VERB
ajbmeb-853	1	34	remote	remote	ADJ
ajbmeb-853	1	35	banking	banking	NOUN
ajbmeb-853	1	36	services	service	NOUN
ajbmeb-853	1	37	in	in	ADP
ajbmeb-853	1	38	commercial	commercial	ADJ
ajbmeb-853	1	39	banks	bank	NOUN
ajbmeb-853	1	40	of	of	ADP
ajbmeb-853	1	41	uzbekistan	uzbekistan	PROPN
ajbmeb-853	1	42	karachayeva	karachayeva	PROPN
ajbmeb-853	1	43	mashkhura	mashkhura	PROPN
ajbmeb-853	1	44	valijonovna	valijonovna	NOUN
ajbmeb-853	1	45	teacher	teacher	NOUN
ajbmeb-853	1	46	,	,	PUNCT
ajbmeb-853	1	47	department	department	NOUN
ajbmeb-853	1	48	of	of	ADP
ajbmeb-853	1	49	“	"	PUNCT
ajbmeb-853	1	50	banking	banking	NOUN
ajbmeb-853	1	51	”	"	PUNCT
ajbmeb-853	1	52	,	,	PUNCT
ajbmeb-853	1	53	tashkent	tashkent	PROPN
ajbmeb-853	1	54	institute	institute	PROPN
ajbmeb-853	1	55	of	of	ADP
ajbmeb-853	1	56	finance	finance	PROPN
ajbmeb-853	1	57	,	,	PUNCT
ajbmeb-853	1	58	tashkent	tashkent	PROPN
ajbmeb-853	1	59	city	city	PROPN
ajbmeb-853	1	60	,	,	PUNCT
ajbmeb-853	1	61	uzbekistan	uzbekistan	PROPN
ajbmeb-853	1	62	.	.	PUNCT
ajbmeb-853	2	1	e	e	X
ajbmeb-853	2	2	-	-	NOUN
ajbmeb-853	2	3	mail	mail	NOUN
ajbmeb-853	2	4	:	:	PUNCT
ajbmeb-853	3	1	mashuravalizonovna@gmail.com	mashuravalizonovna@gmail.com	X
ajbmeb-853	3	2	a	a	DET
ajbmeb-853	3	3	b	b	PROPN
ajbmeb-853	3	4	s	s	ADP
ajbmeb-853	3	5	t	t	PROPN
ajbmeb-853	3	6	r	r	NOUN
ajbmeb-853	3	7	a	a	DET
ajbmeb-853	3	8	c	c	NOUN
ajbmeb-853	3	9	t	t	NOUN
ajbmeb-853	3	10	k	k	X
ajbmeb-853	3	11	e	e	PROPN
ajbmeb-853	3	12	y	y	PROPN
ajbmeb-853	3	13	w	w	NOUN
ajbmeb-853	3	14	o	o	NOUN
ajbmeb-853	3	15	r	r	NOUN
ajbmeb-853	3	16	d	d	PROPN
ajbmeb-853	3	17	s	s	VERB
ajbmeb-853	3	18	this	this	DET
ajbmeb-853	3	19	article	article	NOUN
ajbmeb-853	3	20	examines	examine	VERB
ajbmeb-853	3	21	the	the	DET
ajbmeb-853	3	22	importance	importance	NOUN
ajbmeb-853	3	23	of	of	ADP
ajbmeb-853	3	24	remote	remote	ADJ
ajbmeb-853	3	25	banking	banking	NOUN
ajbmeb-853	3	26	services	service	NOUN
ajbmeb-853	3	27	in	in	ADP
ajbmeb-853	3	28	banking	banking	NOUN
ajbmeb-853	3	29	,	,	PUNCT
ajbmeb-853	3	30	the	the	DET
ajbmeb-853	3	31	channels	channel	NOUN
ajbmeb-853	3	32	of	of	ADP
ajbmeb-853	3	33	their	their	PRON
ajbmeb-853	3	34	provision	provision	NOUN
ajbmeb-853	3	35	and	and	CCONJ
ajbmeb-853	3	36	the	the	DET
ajbmeb-853	3	37	possibilities	possibility	NOUN
ajbmeb-853	3	38	of	of	ADP
ajbmeb-853	3	39	further	further	ADJ
ajbmeb-853	3	40	expansion	expansion	NOUN
ajbmeb-853	3	41	.	.	PUNCT
ajbmeb-853	4	1	the	the	DET
ajbmeb-853	4	2	state	state	NOUN
ajbmeb-853	4	3	of	of	ADP
ajbmeb-853	4	4	development	development	NOUN
ajbmeb-853	4	5	of	of	ADP
ajbmeb-853	4	6	remote	remote	ADJ
ajbmeb-853	4	7	banking	banking	NOUN
ajbmeb-853	4	8	services	service	NOUN
ajbmeb-853	4	9	in	in	ADP
ajbmeb-853	4	10	the	the	DET
ajbmeb-853	4	11	practice	practice	NOUN
ajbmeb-853	4	12	of	of	ADP
ajbmeb-853	4	13	commercial	commercial	ADJ
ajbmeb-853	4	14	banks	bank	NOUN
ajbmeb-853	4	15	of	of	ADP
ajbmeb-853	4	16	uzbekistan	uzbekistan	PROPN
ajbmeb-853	4	17	was	be	AUX
ajbmeb-853	4	18	analyzed	analyze	VERB
ajbmeb-853	4	19	on	on	ADP
ajbmeb-853	4	20	the	the	DET
ajbmeb-853	4	21	basis	basis	NOUN
ajbmeb-853	4	22	of	of	ADP
ajbmeb-853	4	23	collected	collect	VERB
ajbmeb-853	4	24	statistical	statistical	ADJ
ajbmeb-853	4	25	data	datum	NOUN
ajbmeb-853	4	26	,	,	PUNCT
ajbmeb-853	4	27	and	and	CCONJ
ajbmeb-853	4	28	opinions	opinion	NOUN
ajbmeb-853	4	29	of	of	ADP
ajbmeb-853	4	30	foreign	foreign	ADJ
ajbmeb-853	4	31	and	and	CCONJ
ajbmeb-853	4	32	local	local	ADJ
ajbmeb-853	4	33	scientists	scientist	NOUN
ajbmeb-853	4	34	on	on	ADP
ajbmeb-853	4	35	this	this	DET
ajbmeb-853	4	36	topic	topic	NOUN
ajbmeb-853	4	37	were	be	AUX
ajbmeb-853	4	38	also	also	ADV
ajbmeb-853	4	39	presented	present	VERB
ajbmeb-853	4	40	.	.	PUNCT
ajbmeb-853	5	1	also	also	ADV
ajbmeb-853	5	2	,	,	PUNCT
ajbmeb-853	5	3	proposals	proposal	NOUN
ajbmeb-853	5	4	and	and	CCONJ
ajbmeb-853	5	5	recommendations	recommendation	NOUN
ajbmeb-853	5	6	were	be	AUX
ajbmeb-853	5	7	made	make	VERB
ajbmeb-853	5	8	regarding	regard	VERB
ajbmeb-853	5	9	the	the	DET
ajbmeb-853	5	10	further	further	ADJ
ajbmeb-853	5	11	expansion	expansion	NOUN
ajbmeb-853	5	12	of	of	ADP
ajbmeb-853	5	13	the	the	DET
ajbmeb-853	5	14	types	type	NOUN
ajbmeb-853	5	15	of	of	ADP
ajbmeb-853	5	16	remote	remote	ADJ
ajbmeb-853	5	17	services	service	NOUN
ajbmeb-853	5	18	of	of	ADP
ajbmeb-853	5	19	the	the	DET
ajbmeb-853	5	20	commercial	commercial	ADJ
ajbmeb-853	5	21	banks	bank	NOUN
ajbmeb-853	5	22	of	of	ADP
ajbmeb-853	5	23	our	our	PRON
ajbmeb-853	5	24	country	country	NOUN
ajbmeb-853	5	25	.	.	PUNCT
ajbmeb-853	6	1	economy	economy	NOUN
ajbmeb-853	6	2	,	,	PUNCT
ajbmeb-853	6	3	banking	banking	NOUN
ajbmeb-853	6	4	sector	sector	NOUN
ajbmeb-853	6	5	,	,	PUNCT
ajbmeb-853	6	6	commercial	commercial	ADJ
ajbmeb-853	6	7	banks	bank	NOUN
ajbmeb-853	6	8	,	,	PUNCT
ajbmeb-853	6	9	remote	remote	ADJ
ajbmeb-853	6	10	banking	banking	NOUN
ajbmeb-853	6	11	system	system	NOUN
ajbmeb-853	6	12	and	and	CCONJ
ajbmeb-853	6	13	services	service	NOUN
ajbmeb-853	6	14	,	,	PUNCT
ajbmeb-853	6	15	information	information	NOUN
ajbmeb-853	6	16	technologies	technology	NOUN
ajbmeb-853	6	17	,	,	PUNCT
ajbmeb-853	6	18	digitization	digitization	NOUN
ajbmeb-853	6	19	processes	process	NOUN
ajbmeb-853	6	20	introduction	introduction	NOUN
ajbmeb-853	6	21	the	the	DET
ajbmeb-853	6	22	most	most	ADV
ajbmeb-853	6	23	effective	effective	ADJ
ajbmeb-853	6	24	way	way	NOUN
ajbmeb-853	6	25	to	to	PART
ajbmeb-853	6	26	ensure	ensure	VERB
ajbmeb-853	6	27	the	the	DET
ajbmeb-853	6	28	competitiveness	competitiveness	NOUN
ajbmeb-853	6	29	of	of	ADP
ajbmeb-853	6	30	commercial	commercial	ADJ
ajbmeb-853	6	31	banks	bank	NOUN
ajbmeb-853	6	32	is	be	AUX
ajbmeb-853	6	33	to	to	PART
ajbmeb-853	6	34	gain	gain	VERB
ajbmeb-853	6	35	the	the	DET
ajbmeb-853	6	36	trust	trust	NOUN
ajbmeb-853	6	37	of	of	ADP
ajbmeb-853	6	38	customers	customer	NOUN
ajbmeb-853	6	39	and	and	CCONJ
ajbmeb-853	6	40	create	create	VERB
ajbmeb-853	6	41	all	all	DET
ajbmeb-853	6	42	the	the	DET
ajbmeb-853	6	43	conveniences	convenience	NOUN
ajbmeb-853	6	44	for	for	ADP
ajbmeb-853	6	45	them	they	PRON
ajbmeb-853	6	46	,	,	PUNCT
ajbmeb-853	6	47	as	as	ADV
ajbmeb-853	6	48	well	well	ADV
ajbmeb-853	6	49	as	as	ADP
ajbmeb-853	6	50	to	to	PART
ajbmeb-853	6	51	increase	increase	VERB
ajbmeb-853	6	52	the	the	DET
ajbmeb-853	6	53	type	type	NOUN
ajbmeb-853	6	54	,	,	PUNCT
ajbmeb-853	6	55	quality	quality	NOUN
ajbmeb-853	6	56	and	and	CCONJ
ajbmeb-853	6	57	speed	speed	NOUN
ajbmeb-853	6	58	of	of	ADP
ajbmeb-853	6	59	services	service	NOUN
ajbmeb-853	6	60	.	.	PUNCT
ajbmeb-853	7	1	in	in	ADP
ajbmeb-853	7	2	order	order	NOUN
ajbmeb-853	7	3	to	to	PART
ajbmeb-853	7	4	ensure	ensure	VERB
ajbmeb-853	7	5	competitiveness	competitiveness	NOUN
ajbmeb-853	7	6	,	,	PUNCT
ajbmeb-853	7	7	banks	bank	NOUN
ajbmeb-853	7	8	feel	feel	VERB
ajbmeb-853	7	9	a	a	DET
ajbmeb-853	7	10	greater	great	ADJ
ajbmeb-853	7	11	need	need	NOUN
ajbmeb-853	7	12	to	to	PART
ajbmeb-853	7	13	introduce	introduce	VERB
ajbmeb-853	7	14	modern	modern	ADJ
ajbmeb-853	7	15	banking	banking	NOUN
ajbmeb-853	7	16	services	service	NOUN
ajbmeb-853	7	17	and	and	CCONJ
ajbmeb-853	7	18	use	use	VERB
ajbmeb-853	7	19	new	new	ADJ
ajbmeb-853	7	20	technologies	technology	NOUN
ajbmeb-853	7	21	.	.	PUNCT
ajbmeb-853	8	1	in	in	ADP
ajbmeb-853	8	2	particular	particular	ADJ
ajbmeb-853	8	3	,	,	PUNCT
ajbmeb-853	8	4	in	in	ADP
ajbmeb-853	8	5	this	this	DET
ajbmeb-853	8	6	regard	regard	NOUN
ajbmeb-853	8	7	,	,	PUNCT
ajbmeb-853	8	8	the	the	DET
ajbmeb-853	8	9	president	president	NOUN
ajbmeb-853	8	10	of	of	ADP
ajbmeb-853	8	11	the	the	DET
ajbmeb-853	8	12	republic	republic	NOUN
ajbmeb-853	8	13	of	of	ADP
ajbmeb-853	8	14	uzbekistan	uzbekistan	PROPN
ajbmeb-853	8	15	sh	sh	PROPN
ajbmeb-853	8	16	.	.	PROPN
ajbmeb-853	8	17	mirziyoev	mirziyoev	PROPN
ajbmeb-853	8	18	said	say	VERB
ajbmeb-853	8	19	in	in	ADP
ajbmeb-853	8	20	his	his	PRON
ajbmeb-853	8	21	speech	speech	NOUN
ajbmeb-853	8	22	,	,	PUNCT
ajbmeb-853	8	23	“	"	PUNCT
ajbmeb-853	8	24	...	...	PUNCT
ajbmeb-853	8	25	we	we	PRON
ajbmeb-853	8	26	must	must	AUX
ajbmeb-853	8	27	take	take	VERB
ajbmeb-853	8	28	drastic	drastic	ADJ
ajbmeb-853	8	29	measures	measure	NOUN
ajbmeb-853	8	30	this	this	DET
ajbmeb-853	8	31	year	year	NOUN
ajbmeb-853	8	32	to	to	PART
ajbmeb-853	8	33	develop	develop	VERB
ajbmeb-853	8	34	the	the	DET
ajbmeb-853	8	35	banking	banking	NOUN
ajbmeb-853	8	36	system	system	NOUN
ajbmeb-853	8	37	.	.	PUNCT
ajbmeb-853	9	1	starting	start	VERB
ajbmeb-853	9	2	from	from	ADP
ajbmeb-853	9	3	2020	2020	NUM
ajbmeb-853	9	4	,	,	PUNCT
ajbmeb-853	9	5	a	a	DET
ajbmeb-853	9	6	large	large	ADJ
ajbmeb-853	9	7	-	-	PUNCT
ajbmeb-853	9	8	scale	scale	NOUN
ajbmeb-853	9	9	transformation	transformation	NOUN
ajbmeb-853	9	10	program	program	NOUN
ajbmeb-853	9	11	will	will	AUX
ajbmeb-853	9	12	be	be	AUX
ajbmeb-853	9	13	implemented	implement	VERB
ajbmeb-853	9	14	in	in	ADP
ajbmeb-853	9	15	each	each	DET
ajbmeb-853	9	16	bank	bank	NOUN
ajbmeb-853	9	17	.	.	PUNCT
ajbmeb-853	10	1	in	in	ADP
ajbmeb-853	10	2	this	this	DET
ajbmeb-853	10	3	regard	regard	NOUN
ajbmeb-853	10	4	,	,	PUNCT
ajbmeb-853	10	5	increasing	increase	VERB
ajbmeb-853	10	6	the	the	DET
ajbmeb-853	10	7	capital	capital	NOUN
ajbmeb-853	10	8	,	,	PUNCT
ajbmeb-853	10	9	resource	resource	NOUN
ajbmeb-853	10	10	base	base	NOUN
ajbmeb-853	10	11	and	and	CCONJ
ajbmeb-853	10	12	income	income	NOUN
ajbmeb-853	10	13	of	of	ADP
ajbmeb-853	10	14	our	our	PRON
ajbmeb-853	10	15	banks	bank	NOUN
ajbmeb-853	10	16	will	will	AUX
ajbmeb-853	10	17	be	be	AUX
ajbmeb-853	10	18	the	the	DET
ajbmeb-853	10	19	focus	focus	NOUN
ajbmeb-853	10	20	of	of	ADP
ajbmeb-853	10	21	our	our	PRON
ajbmeb-853	10	22	special	special	ADJ
ajbmeb-853	10	23	attention	attention	NOUN
ajbmeb-853	10	24	”	"	PUNCT
ajbmeb-853	10	25	[	[	X
ajbmeb-853	10	26	1	1	NUM
ajbmeb-853	10	27	]	]	PUNCT
ajbmeb-853	10	28	.	.	PUNCT
ajbmeb-853	11	1	taking	take	VERB
ajbmeb-853	11	2	into	into	ADP
ajbmeb-853	11	3	account	account	NOUN
ajbmeb-853	11	4	the	the	DET
ajbmeb-853	11	5	above	above	ADJ
ajbmeb-853	11	6	,	,	PUNCT
ajbmeb-853	11	7	the	the	DET
ajbmeb-853	11	8	banking	banking	NOUN
ajbmeb-853	11	9	system	system	NOUN
ajbmeb-853	11	10	in	in	ADP
ajbmeb-853	11	11	recent	recent	ADJ
ajbmeb-853	11	12	years	year	NOUN
ajbmeb-853	11	13	a	a	DET
ajbmeb-853	11	14	number	number	NOUN
ajbmeb-853	11	15	of	of	ADP
ajbmeb-853	11	16	documents	document	NOUN
ajbmeb-853	11	17	were	be	AUX
ajbmeb-853	11	18	adopted	adopt	VERB
ajbmeb-853	11	19	,	,	PUNCT
ajbmeb-853	11	20	aimed	aim	VERB
ajbmeb-853	11	21	at	at	ADP
ajbmeb-853	11	22	liberalization	liberalization	NOUN
ajbmeb-853	11	23	and	and	CCONJ
ajbmeb-853	11	24	adaptation	adaptation	NOUN
ajbmeb-853	11	25	to	to	ADP
ajbmeb-853	11	26	the	the	DET
ajbmeb-853	11	27	conditions	condition	NOUN
ajbmeb-853	11	28	of	of	ADP
ajbmeb-853	11	29	free	free	ADJ
ajbmeb-853	11	30	competition	competition	NOUN
ajbmeb-853	11	31	.	.	PUNCT
ajbmeb-853	12	1	in	in	ADP
ajbmeb-853	12	2	particular	particular	ADJ
ajbmeb-853	12	3	,	,	PUNCT
ajbmeb-853	12	4	the	the	DET
ajbmeb-853	12	5	adoption	adoption	NOUN
ajbmeb-853	12	6	of	of	ADP
ajbmeb-853	12	7	resolution	resolution	NOUN
ajbmeb-853	12	8	no	no	INTJ
ajbmeb-853	12	9	.	.	PROPN
ajbmeb-853	12	10	3620	3620	NUM
ajbmeb-853	12	11	of	of	ADP
ajbmeb-853	12	12	the	the	DET
ajbmeb-853	12	13	president	president	NOUN
ajbmeb-853	12	14	of	of	ADP
ajbmeb-853	12	15	the	the	DET
ajbmeb-853	12	16	republic	republic	NOUN
ajbmeb-853	12	17	of	of	ADP
ajbmeb-853	12	18	uzbekistan	uzbekistan	PROPN
ajbmeb-853	12	19	on	on	ADP
ajbmeb-853	12	20	march	march	PROPN
ajbmeb-853	12	21	23	23	NUM
ajbmeb-853	12	22	,	,	PUNCT
ajbmeb-853	12	23	2018	2018	NUM
ajbmeb-853	12	24	“	"	PUNCT
ajbmeb-853	12	25	on	on	ADP
ajbmeb-853	12	26	additional	additional	ADJ
ajbmeb-853	12	27	measures	measure	NOUN
ajbmeb-853	12	28	to	to	PART
ajbmeb-853	12	29	increase	increase	VERB
ajbmeb-853	12	30	the	the	DET
ajbmeb-853	12	31	popularity	popularity	NOUN
ajbmeb-853	12	32	of	of	ADP
ajbmeb-853	12	33	banking	banking	NOUN
ajbmeb-853	12	34	services	service	NOUN
ajbmeb-853	12	35	”	"	PUNCT
ajbmeb-853	12	36	,	,	PUNCT
ajbmeb-853	12	37	existing	exist	VERB
ajbmeb-853	12	38	problems	problem	NOUN
ajbmeb-853	12	39	in	in	ADP
ajbmeb-853	12	40	the	the	DET
ajbmeb-853	12	41	provision	provision	NOUN
ajbmeb-853	12	42	of	of	ADP
ajbmeb-853	12	43	banking	banking	NOUN
ajbmeb-853	12	44	services	service	NOUN
ajbmeb-853	12	45	and	and	CCONJ
ajbmeb-853	12	46	implementation	implementation	NOUN
ajbmeb-853	12	47	by	by	ADP
ajbmeb-853	12	48	banks	bank	NOUN
ajbmeb-853	12	49	determined	determine	VERB
ajbmeb-853	12	50	the	the	DET
ajbmeb-853	12	51	necessary	necessary	ADJ
ajbmeb-853	12	52	measures	measure	NOUN
ajbmeb-853	12	53	[	[	X
ajbmeb-853	12	54	2	2	NUM
ajbmeb-853	12	55	]	]	PUNCT
ajbmeb-853	12	56	.	.	PUNCT
ajbmeb-853	13	1	in	in	ADP
ajbmeb-853	13	2	particular	particular	ADJ
ajbmeb-853	13	3	,	,	PUNCT
ajbmeb-853	13	4	the	the	DET
ajbmeb-853	13	5	development	development	NOUN
ajbmeb-853	13	6	and	and	CCONJ
ajbmeb-853	13	7	promotion	promotion	NOUN
ajbmeb-853	13	8	of	of	ADP
ajbmeb-853	13	9	innovative	innovative	ADJ
ajbmeb-853	13	10	products	product	NOUN
ajbmeb-853	13	11	for	for	ADP
ajbmeb-853	13	12	non	non	ADJ
ajbmeb-853	13	13	-	-	ADJ
ajbmeb-853	13	14	cash	cash	ADJ
ajbmeb-853	13	15	payments	payment	NOUN
ajbmeb-853	13	16	,	,	PUNCT
ajbmeb-853	13	17	including	include	VERB
ajbmeb-853	13	18	non	non	ADJ
ajbmeb-853	13	19	-	-	ADJ
ajbmeb-853	13	20	contact	contact	ADJ
ajbmeb-853	13	21	and	and	CCONJ
ajbmeb-853	13	22	mobile	mobile	NOUN
ajbmeb-853	13	23	technologies	technology	NOUN
ajbmeb-853	13	24	;	;	PUNCT
ajbmeb-853	13	25	introduction	introduction	NOUN
ajbmeb-853	13	26	of	of	ADP
ajbmeb-853	13	27	non	non	ADJ
ajbmeb-853	13	28	-	-	ADJ
ajbmeb-853	13	29	communication	communication	ADJ
ajbmeb-853	13	30	and	and	CCONJ
ajbmeb-853	13	31	mobile	mobile	NOUN
ajbmeb-853	13	32	technologies	technology	NOUN
ajbmeb-853	13	33	,	,	PUNCT
ajbmeb-853	13	34	first	first	ADV
ajbmeb-853	13	35	of	of	ADP
ajbmeb-853	13	36	all	all	PRON
ajbmeb-853	13	37	,	,	PUNCT
ajbmeb-853	13	38	in	in	ADP
ajbmeb-853	13	39	the	the	DET
ajbmeb-853	13	40	spheres	sphere	NOUN
ajbmeb-853	13	41	of	of	ADP
ajbmeb-853	13	42	social	social	ADJ
ajbmeb-853	13	43	and	and	CCONJ
ajbmeb-853	13	44	household	household	NOUN
ajbmeb-853	13	45	services	service	NOUN
ajbmeb-853	13	46	,	,	PUNCT
ajbmeb-853	13	47	transport	transport	NOUN
ajbmeb-853	13	48	,	,	PUNCT
ajbmeb-853	13	49	trade	trade	NOUN
ajbmeb-853	13	50	,	,	PUNCT
ajbmeb-853	13	51	catering	catering	NOUN
ajbmeb-853	13	52	,	,	PUNCT
ajbmeb-853	13	53	especially	especially	ADV
ajbmeb-853	13	54	in	in	ADP
ajbmeb-853	13	55	the	the	DET
ajbmeb-853	13	56	regions	region	NOUN
ajbmeb-853	13	57	;	;	PUNCT
ajbmeb-853	13	58	ensuring	ensure	VERB
ajbmeb-853	13	59	cooperation	cooperation	NOUN
ajbmeb-853	13	60	with	with	ADP
ajbmeb-853	13	61	international	international	ADJ
ajbmeb-853	13	62	payment	payment	NOUN
ajbmeb-853	13	63	systems	system	NOUN
ajbmeb-853	13	64	,	,	PUNCT
ajbmeb-853	13	65	etc	etc	X
ajbmeb-853	13	66	.	.	X
ajbmeb-853	14	1	now	now	ADV
ajbmeb-853	14	2	,	,	PUNCT
ajbmeb-853	14	3	if	if	SCONJ
ajbmeb-853	14	4	you	you	PRON
ajbmeb-853	14	5	go	go	VERB
ajbmeb-853	14	6	to	to	ADP
ajbmeb-853	14	7	any	any	DET
ajbmeb-853	14	8	district	district	NOUN
ajbmeb-853	14	9	or	or	CCONJ
ajbmeb-853	14	10	village	village	NOUN
ajbmeb-853	14	11	in	in	ADP
ajbmeb-853	14	12	any	any	DET
ajbmeb-853	14	13	region	region	NOUN
ajbmeb-853	14	14	of	of	ADP
ajbmeb-853	14	15	our	our	PRON
ajbmeb-853	14	16	republic	republic	NOUN
ajbmeb-853	14	17	,	,	PUNCT
ajbmeb-853	14	18	you	you	PRON
ajbmeb-853	14	19	will	will	AUX
ajbmeb-853	14	20	see	see	VERB
ajbmeb-853	14	21	that	that	SCONJ
ajbmeb-853	14	22	the	the	DET
ajbmeb-853	14	23	people	people	NOUN
ajbmeb-853	14	24	’s	’s	PART
ajbmeb-853	14	25	bank	bank	NOUN
ajbmeb-853	14	26	is	be	AUX
ajbmeb-853	14	27	gradually	gradually	ADV
ajbmeb-853	14	28	installing	instal	VERB
ajbmeb-853	14	29	atms	atms	NOUN
ajbmeb-853	14	30	in	in	ADP
ajbmeb-853	14	31	front	front	NOUN
ajbmeb-853	14	32	of	of	ADP
ajbmeb-853	14	33	the	the	DET
ajbmeb-853	14	34	buildings	building	NOUN
ajbmeb-853	14	35	of	of	ADP
ajbmeb-853	14	36	all	all	DET
ajbmeb-853	14	37	neighborhood	neighborhood	NOUN
ajbmeb-853	14	38	assemblies	assembly	NOUN
ajbmeb-853	14	39	in	in	ADP
ajbmeb-853	14	40	almost	almost	ADV
ajbmeb-853	14	41	american	american	ADJ
ajbmeb-853	14	42	journal	journal	PROPN
ajbmeb-853	14	43	of	of	ADP
ajbmeb-853	14	44	business	business	NOUN
ajbmeb-853	14	45	management	management	NOUN
ajbmeb-853	14	46	,	,	PUNCT
ajbmeb-853	14	47	economics	economic	NOUN
ajbmeb-853	14	48	and	and	CCONJ
ajbmeb-853	14	49	banking	banking	NOUN
ajbmeb-853	14	50	volume	volume	NOUN
ajbmeb-853	14	51	12	12	NUM
ajbmeb-853	14	52	may	may	PROPN
ajbmeb-853	14	53	,	,	PUNCT
ajbmeb-853	14	54	2023	2023	NUM
ajbmeb-853	14	55	p	p	NOUN
ajbmeb-853	14	56	a	a	DET
ajbmeb-853	14	57	g	g	NOUN
ajbmeb-853	14	58	e	e	NOUN
ajbmeb-853	14	59	|	|	NOUN
ajbmeb-853	14	60	121	121	NUM
ajbmeb-853	14	61	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-853	14	62	all	all	DET
ajbmeb-853	14	63	neighborhood	neighborhood	NOUN
ajbmeb-853	14	64	assemblies	assembly	NOUN
ajbmeb-853	14	65	,	,	PUNCT
ajbmeb-853	14	66	and	and	CCONJ
ajbmeb-853	14	67	providing	provide	VERB
ajbmeb-853	14	68	atms	atms	NOUN
ajbmeb-853	14	69	to	to	ADP
ajbmeb-853	14	70	areas	area	NOUN
ajbmeb-853	14	71	without	without	ADP
ajbmeb-853	14	72	atms	atms	NOUN
ajbmeb-853	14	73	.	.	PUNCT
ajbmeb-853	15	1	-step	-step	NOUN
ajbmeb-853	15	2	you	you	PRON
ajbmeb-853	15	3	can	can	AUX
ajbmeb-853	15	4	see	see	VERB
ajbmeb-853	15	5	in	in	ADP
ajbmeb-853	15	6	progress	progress	NOUN
ajbmeb-853	15	7	.	.	PUNCT
ajbmeb-853	16	1	another	another	DET
ajbmeb-853	16	2	such	such	ADJ
ajbmeb-853	16	3	possibility	possibility	NOUN
ajbmeb-853	16	4	is	be	AUX
ajbmeb-853	16	5	that	that	SCONJ
ajbmeb-853	16	6	pensioners	pensioner	NOUN
ajbmeb-853	16	7	who	who	PRON
ajbmeb-853	16	8	receive	receive	VERB
ajbmeb-853	16	9	their	their	PRON
ajbmeb-853	16	10	pension	pension	NOUN
ajbmeb-853	16	11	funds	fund	NOUN
ajbmeb-853	16	12	in	in	ADP
ajbmeb-853	16	13	the	the	DET
ajbmeb-853	16	14	form	form	NOUN
ajbmeb-853	16	15	of	of	ADP
ajbmeb-853	16	16	cash	cash	NOUN
ajbmeb-853	16	17	are	be	AUX
ajbmeb-853	16	18	recommended	recommend	VERB
ajbmeb-853	16	19	to	to	PART
ajbmeb-853	16	20	open	open	VERB
ajbmeb-853	16	21	personal	personal	ADJ
ajbmeb-853	16	22	pension	pension	NOUN
ajbmeb-853	16	23	overdraft	overdraft	NOUN
ajbmeb-853	16	24	cards	card	NOUN
ajbmeb-853	16	25	of	of	ADP
ajbmeb-853	16	26	the	the	DET
ajbmeb-853	16	27	people	people	NOUN
ajbmeb-853	16	28	’s	’s	PART
ajbmeb-853	16	29	bank	bank	NOUN
ajbmeb-853	16	30	and	and	CCONJ
ajbmeb-853	16	31	transfer	transfer	VERB
ajbmeb-853	16	32	pension	pension	NOUN
ajbmeb-853	16	33	funds	fund	NOUN
ajbmeb-853	16	34	to	to	ADP
ajbmeb-853	16	35	these	these	DET
ajbmeb-853	16	36	bank	bank	NOUN
ajbmeb-853	16	37	cards	card	NOUN
ajbmeb-853	16	38	.	.	PUNCT
ajbmeb-853	17	1	this	this	PRON
ajbmeb-853	17	2	,	,	PUNCT
ajbmeb-853	17	3	in	in	ADP
ajbmeb-853	17	4	a	a	DET
ajbmeb-853	17	5	certain	certain	ADJ
ajbmeb-853	17	6	sense	sense	NOUN
ajbmeb-853	17	7	,	,	PUNCT
ajbmeb-853	17	8	eases	ease	VERB
ajbmeb-853	17	9	people	people	NOUN
ajbmeb-853	17	10	’s	’s	PART
ajbmeb-853	17	11	burden	burden	NOUN
ajbmeb-853	17	12	and	and	CCONJ
ajbmeb-853	17	13	gives	give	VERB
ajbmeb-853	17	14	them	they	PRON
ajbmeb-853	17	15	a	a	DET
ajbmeb-853	17	16	number	number	NOUN
ajbmeb-853	17	17	of	of	ADP
ajbmeb-853	17	18	conveniences	convenience	NOUN
ajbmeb-853	17	19	.	.	PUNCT
ajbmeb-853	18	1	2	2	X
ajbmeb-853	18	2	.	.	X
ajbmeb-853	18	3	literature	literature	NOUN
ajbmeb-853	18	4	review	review	PROPN
ajbmeb-853	18	5	research	research	NOUN
ajbmeb-853	18	6	works	work	NOUN
ajbmeb-853	18	7	of	of	ADP
ajbmeb-853	18	8	a	a	DET
ajbmeb-853	18	9	number	number	NOUN
ajbmeb-853	18	10	of	of	ADP
ajbmeb-853	18	11	scientists	scientist	NOUN
ajbmeb-853	18	12	on	on	ADP
ajbmeb-853	18	13	the	the	DET
ajbmeb-853	18	14	topic	topic	NOUN
ajbmeb-853	18	15	were	be	AUX
ajbmeb-853	18	16	closely	closely	ADV
ajbmeb-853	18	17	familiarized	familiarize	VERB
ajbmeb-853	18	18	.	.	PUNCT
ajbmeb-853	19	1	in	in	ADP
ajbmeb-853	19	2	them	they	PRON
ajbmeb-853	19	3	,	,	PUNCT
ajbmeb-853	19	4	the	the	DET
ajbmeb-853	19	5	opinions	opinion	NOUN
ajbmeb-853	19	6	of	of	ADP
ajbmeb-853	19	7	scientists	scientist	NOUN
ajbmeb-853	19	8	on	on	ADP
ajbmeb-853	19	9	remote	remote	ADJ
ajbmeb-853	19	10	banking	banking	NOUN
ajbmeb-853	19	11	services	service	NOUN
ajbmeb-853	19	12	were	be	AUX
ajbmeb-853	19	13	analyzed	analyze	VERB
ajbmeb-853	19	14	.	.	PUNCT
ajbmeb-853	20	1	in	in	ADP
ajbmeb-853	20	2	particular	particular	ADJ
ajbmeb-853	20	3	,	,	PUNCT
ajbmeb-853	20	4	according	accord	VERB
ajbmeb-853	20	5	to	to	ADP
ajbmeb-853	20	6	russian	russian	ADJ
ajbmeb-853	20	7	economist	economist	NOUN
ajbmeb-853	20	8	v.k	v.k	PROPN
ajbmeb-853	20	9	.	.	PROPN
ajbmeb-853	20	10	spilnichenko	spilnichenko	PROPN
ajbmeb-853	20	11	,	,	PUNCT
ajbmeb-853	20	12	“	"	PUNCT
ajbmeb-853	20	13	remote	remote	ADJ
ajbmeb-853	20	14	servicing	servicing	NOUN
ajbmeb-853	20	15	of	of	ADP
ajbmeb-853	20	16	a	a	DET
ajbmeb-853	20	17	bank	bank	NOUN
ajbmeb-853	20	18	account	account	NOUN
ajbmeb-853	20	19	is	be	AUX
ajbmeb-853	20	20	a	a	DET
ajbmeb-853	20	21	complex	complex	NOUN
ajbmeb-853	20	22	of	of	ADP
ajbmeb-853	20	23	information	information	NOUN
ajbmeb-853	20	24	services	service	NOUN
ajbmeb-853	20	25	and	and	CCONJ
ajbmeb-853	20	26	execution	execution	NOUN
ajbmeb-853	20	27	of	of	ADP
ajbmeb-853	20	28	operations	operation	NOUN
ajbmeb-853	20	29	on	on	ADP
ajbmeb-853	20	30	the	the	DET
ajbmeb-853	20	31	client	client	NOUN
ajbmeb-853	20	32	's	's	PART
ajbmeb-853	20	33	account	account	NOUN
ajbmeb-853	20	34	based	base	VERB
ajbmeb-853	20	35	on	on	ADP
ajbmeb-853	20	36	his	his	PRON
ajbmeb-853	20	37	instructions	instruction	NOUN
ajbmeb-853	20	38	without	without	ADP
ajbmeb-853	20	39	visiting	visit	VERB
ajbmeb-853	20	40	the	the	DET
ajbmeb-853	20	41	bank	bank	NOUN
ajbmeb-853	20	42	.	.	PUNCT
ajbmeb-853	21	1	the	the	DET
ajbmeb-853	21	2	remote	remote	PROPN
ajbmeb-853	21	3	bank	bank	PROPN
ajbmeb-853	21	4	account	account	PROPN
ajbmeb-853	21	5	service	service	NOUN
ajbmeb-853	21	6	system	system	NOUN
ajbmeb-853	21	7	is	be	AUX
ajbmeb-853	21	8	based	base	VERB
ajbmeb-853	21	9	on	on	ADP
ajbmeb-853	21	10	the	the	DET
ajbmeb-853	21	11	client	client	NOUN
ajbmeb-853	21	12	’s	’s	PART
ajbmeb-853	21	13	request	request	NOUN
ajbmeb-853	21	14	to	to	ADP
ajbmeb-853	21	15	the	the	DET
ajbmeb-853	21	16	bank	bank	NOUN
ajbmeb-853	21	17	’s	’s	PART
ajbmeb-853	21	18	database	database	NOUN
ajbmeb-853	21	19	through	through	ADP
ajbmeb-853	21	20	the	the	DET
ajbmeb-853	21	21	telecommunication	telecommunication	NOUN
ajbmeb-853	21	22	system	system	NOUN
ajbmeb-853	21	23	”	"	PUNCT
ajbmeb-853	22	1	[	[	X
ajbmeb-853	22	2	3	3	NUM
ajbmeb-853	22	3	]	]	PUNCT
ajbmeb-853	22	4	.	.	PUNCT
ajbmeb-853	23	1	n.i	n.i	PROPN
ajbmeb-853	23	2	.	.	PROPN
ajbmeb-853	23	3	likhodeyeva	likhodeyeva	PROPN
ajbmeb-853	23	4	recognized	recognize	VERB
ajbmeb-853	23	5	the	the	DET
ajbmeb-853	23	6	remote	remote	ADJ
ajbmeb-853	23	7	bank	bank	PROPN
ajbmeb-853	23	8	account	account	NOUN
ajbmeb-853	23	9	service	service	NOUN
ajbmeb-853	23	10	system	system	NOUN
ajbmeb-853	23	11	as	as	ADP
ajbmeb-853	23	12	a	a	DET
ajbmeb-853	23	13	technology	technology	NOUN
ajbmeb-853	23	14	for	for	ADP
ajbmeb-853	23	15	providing	provide	VERB
ajbmeb-853	23	16	banking	banking	NOUN
ajbmeb-853	23	17	services	service	NOUN
ajbmeb-853	23	18	on	on	ADP
ajbmeb-853	23	19	the	the	DET
ajbmeb-853	23	20	basis	basis	NOUN
ajbmeb-853	23	21	of	of	ADP
ajbmeb-853	23	22	remote	remote	ADJ
ajbmeb-853	23	23	orders	order	NOUN
ajbmeb-853	23	24	without	without	ADP
ajbmeb-853	23	25	visiting	visit	VERB
ajbmeb-853	23	26	the	the	DET
ajbmeb-853	23	27	bank	bank	NOUN
ajbmeb-853	23	28	using	use	VERB
ajbmeb-853	23	29	computer	computer	NOUN
ajbmeb-853	23	30	technologies	technology	NOUN
ajbmeb-853	23	31	[	[	X
ajbmeb-853	23	32	4	4	NUM
ajbmeb-853	23	33	]	]	PUNCT
ajbmeb-853	23	34	.	.	PUNCT
ajbmeb-853	24	1	k.a.zabrodiskaya	k.a.zabrodiskaya	PROPN
ajbmeb-853	24	2	,	,	PUNCT
ajbmeb-853	24	3	a.o.zakharova	a.o.zakharova	X
ajbmeb-853	24	4	“	"	PUNCT
ajbmeb-853	24	5	remote	remote	ADJ
ajbmeb-853	24	6	banking	banking	NOUN
ajbmeb-853	24	7	services	service	NOUN
ajbmeb-853	24	8	are	be	AUX
ajbmeb-853	24	9	the	the	DET
ajbmeb-853	24	10	activities	activity	NOUN
ajbmeb-853	24	11	of	of	ADP
ajbmeb-853	24	12	creating	create	VERB
ajbmeb-853	24	13	optimal	optimal	ADJ
ajbmeb-853	24	14	conditions	condition	NOUN
ajbmeb-853	24	15	for	for	ADP
ajbmeb-853	24	16	the	the	DET
ajbmeb-853	24	17	bank	bank	NOUN
ajbmeb-853	24	18	's	's	PART
ajbmeb-853	24	19	customers	customer	NOUN
ajbmeb-853	24	20	by	by	ADP
ajbmeb-853	24	21	providing	provide	VERB
ajbmeb-853	24	22	remote	remote	ADJ
ajbmeb-853	24	23	service	service	NOUN
ajbmeb-853	24	24	to	to	ADP
ajbmeb-853	24	25	their	their	PRON
ajbmeb-853	24	26	bank	bank	NOUN
ajbmeb-853	24	27	accounts	account	NOUN
ajbmeb-853	24	28	”	"	PUNCT
ajbmeb-853	24	29	[	[	X
ajbmeb-853	24	30	5	5	NUM
ajbmeb-853	24	31	]	]	PUNCT
ajbmeb-853	24	32	.	.	PUNCT
ajbmeb-853	25	1	summarizing	summarize	VERB
ajbmeb-853	25	2	the	the	DET
ajbmeb-853	25	3	above	above	ADJ
ajbmeb-853	25	4	opinions	opinion	NOUN
ajbmeb-853	25	5	,	,	PUNCT
ajbmeb-853	25	6	remote	remote	ADJ
ajbmeb-853	25	7	bank	bank	PROPN
ajbmeb-853	25	8	account	account	NOUN
ajbmeb-853	25	9	servicing	servicing	NOUN
ajbmeb-853	25	10	systems	system	NOUN
ajbmeb-853	25	11	can	can	AUX
ajbmeb-853	25	12	be	be	AUX
ajbmeb-853	25	13	defined	define	VERB
ajbmeb-853	25	14	as	as	ADP
ajbmeb-853	25	15	technologies	technology	NOUN
ajbmeb-853	25	16	for	for	ADP
ajbmeb-853	25	17	providing	provide	VERB
ajbmeb-853	25	18	banking	banking	NOUN
ajbmeb-853	25	19	services	service	NOUN
ajbmeb-853	25	20	based	base	VERB
ajbmeb-853	25	21	on	on	ADP
ajbmeb-853	25	22	customer	customer	NOUN
ajbmeb-853	25	23	orders	order	NOUN
ajbmeb-853	25	24	remotely	remotely	ADV
ajbmeb-853	25	25	(	(	PUNCT
ajbmeb-853	25	26	without	without	ADP
ajbmeb-853	25	27	coming	come	VERB
ajbmeb-853	25	28	to	to	ADP
ajbmeb-853	25	29	the	the	DET
ajbmeb-853	25	30	bank	bank	NOUN
ajbmeb-853	25	31	)	)	PUNCT
ajbmeb-853	25	32	.	.	PUNCT
ajbmeb-853	26	1	the	the	DET
ajbmeb-853	26	2	analysis	analysis	NOUN
ajbmeb-853	26	3	of	of	ADP
ajbmeb-853	26	4	this	this	DET
ajbmeb-853	26	5	problem	problem	NOUN
ajbmeb-853	26	6	revealed	reveal	VERB
ajbmeb-853	26	7	the	the	DET
ajbmeb-853	26	8	lack	lack	NOUN
ajbmeb-853	26	9	of	of	ADP
ajbmeb-853	26	10	comprehensive	comprehensive	ADJ
ajbmeb-853	26	11	studies	study	NOUN
ajbmeb-853	26	12	on	on	ADP
ajbmeb-853	26	13	the	the	DET
ajbmeb-853	26	14	issue	issue	NOUN
ajbmeb-853	26	15	of	of	ADP
ajbmeb-853	26	16	capitalization	capitalization	NOUN
ajbmeb-853	26	17	of	of	ADP
ajbmeb-853	26	18	commercial	commercial	ADJ
ajbmeb-853	26	19	banks	bank	NOUN
ajbmeb-853	26	20	in	in	ADP
ajbmeb-853	26	21	uzbekistan	uzbekistan	PROPN
ajbmeb-853	26	22	.	.	PUNCT
ajbmeb-853	27	1	there	there	PRON
ajbmeb-853	27	2	are	be	VERB
ajbmeb-853	27	3	no	no	PRON
ajbmeb-853	27	4	clearly	clearly	ADV
ajbmeb-853	27	5	developed	develop	VERB
ajbmeb-853	27	6	and	and	CCONJ
ajbmeb-853	27	7	used	use	VERB
ajbmeb-853	27	8	in	in	ADP
ajbmeb-853	27	9	practice	practice	NOUN
ajbmeb-853	27	10	measures	measure	NOUN
ajbmeb-853	27	11	on	on	ADP
ajbmeb-853	27	12	this	this	DET
ajbmeb-853	27	13	topic	topic	NOUN
ajbmeb-853	27	14	.	.	PUNCT
ajbmeb-853	28	1	the	the	DET
ajbmeb-853	28	2	very	very	ADJ
ajbmeb-853	28	3	concept	concept	NOUN
ajbmeb-853	28	4	of	of	ADP
ajbmeb-853	28	5	capitalization	capitalization	NOUN
ajbmeb-853	28	6	is	be	AUX
ajbmeb-853	28	7	still	still	ADV
ajbmeb-853	28	8	not	not	PART
ajbmeb-853	28	9	associated	associate	VERB
ajbmeb-853	28	10	with	with	ADP
ajbmeb-853	28	11	the	the	DET
ajbmeb-853	28	12	market	market	NOUN
ajbmeb-853	28	13	interpretation	interpretation	NOUN
ajbmeb-853	28	14	of	of	ADP
ajbmeb-853	28	15	this	this	DET
ajbmeb-853	28	16	term	term	NOUN
ajbmeb-853	28	17	in	in	ADP
ajbmeb-853	28	18	relation	relation	NOUN
ajbmeb-853	28	19	to	to	ADP
ajbmeb-853	28	20	domestic	domestic	ADJ
ajbmeb-853	28	21	credit	credit	NOUN
ajbmeb-853	28	22	institutions	institution	NOUN
ajbmeb-853	28	23	.	.	PUNCT
ajbmeb-853	29	1	until	until	ADP
ajbmeb-853	29	2	now	now	ADV
ajbmeb-853	29	3	,	,	PUNCT
ajbmeb-853	29	4	both	both	CCONJ
ajbmeb-853	29	5	in	in	ADP
ajbmeb-853	29	6	the	the	DET
ajbmeb-853	29	7	scientific	scientific	ADJ
ajbmeb-853	29	8	community	community	NOUN
ajbmeb-853	29	9	and	and	CCONJ
ajbmeb-853	29	10	the	the	DET
ajbmeb-853	29	11	banking	banking	NOUN
ajbmeb-853	29	12	community	community	NOUN
ajbmeb-853	29	13	,	,	PUNCT
ajbmeb-853	29	14	capitalization	capitalization	NOUN
ajbmeb-853	29	15	is	be	AUX
ajbmeb-853	29	16	understood	understand	VERB
ajbmeb-853	29	17	only	only	ADV
ajbmeb-853	29	18	as	as	ADP
ajbmeb-853	29	19	an	an	DET
ajbmeb-853	29	20	increase	increase	NOUN
ajbmeb-853	29	21	in	in	ADP
ajbmeb-853	29	22	the	the	DET
ajbmeb-853	29	23	bank	bank	NOUN
ajbmeb-853	29	24	’s	’s	PART
ajbmeb-853	29	25	own	own	ADJ
ajbmeb-853	29	26	capital	capital	NOUN
ajbmeb-853	29	27	.	.	PUNCT
ajbmeb-853	30	1	for	for	ADP
ajbmeb-853	30	2	example	example	NOUN
ajbmeb-853	30	3	,	,	PUNCT
ajbmeb-853	30	4	peter	peter	PROPN
ajbmeb-853	30	5	s.	s.	PROPN
ajbmeb-853	30	6	rose	rise	VERB
ajbmeb-853	30	7	notes	note	NOUN
ajbmeb-853	30	8	that	that	SCONJ
ajbmeb-853	30	9	“	"	PUNCT
ajbmeb-853	30	10	we	we	PRON
ajbmeb-853	30	11	often	often	ADV
ajbmeb-853	30	12	use	use	VERB
ajbmeb-853	30	13	the	the	DET
ajbmeb-853	30	14	term	term	NOUN
ajbmeb-853	30	15	capitalization	capitalization	NOUN
ajbmeb-853	30	16	,	,	PUNCT
ajbmeb-853	30	17	meaning	mean	VERB
ajbmeb-853	30	18	by	by	ADP
ajbmeb-853	30	19	this	this	DET
ajbmeb-853	30	20	own	own	ADJ
ajbmeb-853	30	21	funds	fund	NOUN
ajbmeb-853	30	22	or	or	CCONJ
ajbmeb-853	30	23	equity	equity	NOUN
ajbmeb-853	30	24	capital	capital	NOUN
ajbmeb-853	30	25	of	of	ADP
ajbmeb-853	30	26	banks	bank	NOUN
ajbmeb-853	30	27	and	and	CCONJ
ajbmeb-853	30	28	its	its	PRON
ajbmeb-853	30	29	sufficiency	sufficiency	NOUN
ajbmeb-853	30	30	to	to	PART
ajbmeb-853	30	31	cover	cover	VERB
ajbmeb-853	30	32	risks	risk	NOUN
ajbmeb-853	30	33	”	"	PUNCT
ajbmeb-853	31	1	[	[	X
ajbmeb-853	31	2	6	6	NUM
ajbmeb-853	31	3	]	]	PUNCT
ajbmeb-853	31	4	.	.	PUNCT
ajbmeb-853	32	1	economist	economist	PROPN
ajbmeb-853	32	2	v.usoskin	v.usoskin	PROPN
ajbmeb-853	32	3	paid	pay	VERB
ajbmeb-853	32	4	special	special	ADJ
ajbmeb-853	32	5	attention	attention	NOUN
ajbmeb-853	32	6	to	to	ADP
ajbmeb-853	32	7	improving	improve	VERB
ajbmeb-853	32	8	the	the	DET
ajbmeb-853	32	9	quality	quality	NOUN
ajbmeb-853	32	10	of	of	ADP
ajbmeb-853	32	11	loans	loan	NOUN
ajbmeb-853	32	12	and	and	CCONJ
ajbmeb-853	32	13	cash	cash	NOUN
ajbmeb-853	32	14	assets	asset	NOUN
ajbmeb-853	32	15	,	,	PUNCT
ajbmeb-853	32	16	which	which	PRON
ajbmeb-853	32	17	are	be	AUX
ajbmeb-853	32	18	the	the	DET
ajbmeb-853	32	19	main	main	ADJ
ajbmeb-853	32	20	types	type	NOUN
ajbmeb-853	32	21	of	of	ADP
ajbmeb-853	32	22	assets	asset	NOUN
ajbmeb-853	32	23	of	of	ADP
ajbmeb-853	32	24	commercial	commercial	ADJ
ajbmeb-853	32	25	banks	bank	NOUN
ajbmeb-853	32	26	.	.	PUNCT
ajbmeb-853	33	1	in	in	ADP
ajbmeb-853	33	2	order	order	NOUN
ajbmeb-853	33	3	to	to	PART
ajbmeb-853	33	4	improve	improve	VERB
ajbmeb-853	33	5	the	the	DET
ajbmeb-853	33	6	quality	quality	NOUN
ajbmeb-853	33	7	of	of	ADP
ajbmeb-853	33	8	the	the	DET
ajbmeb-853	33	9	loan	loan	NOUN
ajbmeb-853	33	10	portfolio	portfolio	NOUN
ajbmeb-853	33	11	,	,	PUNCT
ajbmeb-853	33	12	v.	v.	ADP
ajbmeb-853	33	13	usoskin	usoskin	NOUN
ajbmeb-853	33	14	proposes	propose	VERB
ajbmeb-853	33	15	to	to	PART
ajbmeb-853	33	16	improve	improve	VERB
ajbmeb-853	33	17	the	the	DET
ajbmeb-853	33	18	system	system	NOUN
ajbmeb-853	33	19	of	of	ADP
ajbmeb-853	33	20	assessing	assess	VERB
ajbmeb-853	33	21	the	the	DET
ajbmeb-853	33	22	creditworthiness	creditworthiness	NOUN
ajbmeb-853	33	23	of	of	ADP
ajbmeb-853	33	24	customers	customer	NOUN
ajbmeb-853	33	25	,	,	PUNCT
ajbmeb-853	33	26	strict	strict	ADJ
ajbmeb-853	33	27	adherence	adherence	NOUN
ajbmeb-853	33	28	to	to	ADP
ajbmeb-853	33	29	the	the	DET
ajbmeb-853	33	30	principle	principle	NOUN
ajbmeb-853	33	31	of	of	ADP
ajbmeb-853	33	32	diversification	diversification	NOUN
ajbmeb-853	33	33	in	in	ADP
ajbmeb-853	33	34	the	the	DET
ajbmeb-853	33	35	formation	formation	NOUN
ajbmeb-853	33	36	of	of	ADP
ajbmeb-853	33	37	the	the	DET
ajbmeb-853	33	38	loan	loan	NOUN
ajbmeb-853	33	39	portfolio	portfolio	NOUN
ajbmeb-853	34	1	[	[	X
ajbmeb-853	34	2	7	7	NUM
ajbmeb-853	34	3	]	]	PUNCT
ajbmeb-853	34	4	.	.	PUNCT
ajbmeb-853	35	1	however	however	ADV
ajbmeb-853	35	2	,	,	PUNCT
ajbmeb-853	35	3	despite	despite	SCONJ
ajbmeb-853	35	4	a	a	DET
ajbmeb-853	35	5	significant	significant	ADJ
ajbmeb-853	35	6	number	number	NOUN
ajbmeb-853	35	7	of	of	ADP
ajbmeb-853	35	8	studies	study	NOUN
ajbmeb-853	35	9	devoted	devote	VERB
ajbmeb-853	35	10	to	to	ADP
ajbmeb-853	35	11	theoretical	theoretical	ADJ
ajbmeb-853	35	12	,	,	PUNCT
ajbmeb-853	35	13	methodological	methodological	ADJ
ajbmeb-853	35	14	and	and	CCONJ
ajbmeb-853	35	15	applied	apply	VERB
ajbmeb-853	35	16	problems	problem	NOUN
ajbmeb-853	35	17	that	that	PRON
ajbmeb-853	35	18	arise	arise	VERB
ajbmeb-853	35	19	in	in	ADP
ajbmeb-853	35	20	the	the	DET
ajbmeb-853	35	21	process	process	NOUN
ajbmeb-853	35	22	of	of	ADP
ajbmeb-853	35	23	developing	develop	VERB
ajbmeb-853	35	24	cashless	cashless	NOUN
ajbmeb-853	35	25	payments	payment	NOUN
ajbmeb-853	35	26	,	,	PUNCT
ajbmeb-853	35	27	in	in	ADP
ajbmeb-853	35	28	the	the	DET
ajbmeb-853	35	29	context	context	NOUN
ajbmeb-853	35	30	of	of	ADP
ajbmeb-853	35	31	the	the	DET
ajbmeb-853	35	32	introduction	introduction	NOUN
ajbmeb-853	35	33	of	of	ADP
ajbmeb-853	35	34	information	information	NOUN
ajbmeb-853	35	35	and	and	CCONJ
ajbmeb-853	35	36	innovative	innovative	ADJ
ajbmeb-853	35	37	technologies	technology	NOUN
ajbmeb-853	35	38	in	in	ADP
ajbmeb-853	35	39	the	the	DET
ajbmeb-853	35	40	banking	banking	NOUN
ajbmeb-853	35	41	system	system	NOUN
ajbmeb-853	35	42	,	,	PUNCT
ajbmeb-853	35	43	in	in	ADP
ajbmeb-853	35	44	our	our	PRON
ajbmeb-853	35	45	opinion	opinion	NOUN
ajbmeb-853	35	46	,	,	PUNCT
ajbmeb-853	35	47	the	the	DET
ajbmeb-853	35	48	theoretical	theoretical	ADJ
ajbmeb-853	35	49	and	and	CCONJ
ajbmeb-853	35	50	methodological	methodological	ADJ
ajbmeb-853	35	51	support	support	NOUN
ajbmeb-853	35	52	of	of	ADP
ajbmeb-853	35	53	this	this	DET
ajbmeb-853	35	54	process	process	NOUN
ajbmeb-853	35	55	has	have	AUX
ajbmeb-853	35	56	not	not	PART
ajbmeb-853	35	57	been	be	AUX
ajbmeb-853	35	58	fully	fully	ADV
ajbmeb-853	35	59	formed	form	VERB
ajbmeb-853	35	60	.	.	PUNCT
ajbmeb-853	36	1	3	3	X
ajbmeb-853	36	2	.	.	X
ajbmeb-853	36	3	research	research	NOUN
ajbmeb-853	36	4	methodology	methodology	NOUN
ajbmeb-853	36	5	in	in	ADP
ajbmeb-853	36	6	the	the	DET
ajbmeb-853	36	7	implementation	implementation	NOUN
ajbmeb-853	36	8	of	of	ADP
ajbmeb-853	36	9	scientific	scientific	ADJ
ajbmeb-853	36	10	work	work	NOUN
ajbmeb-853	36	11	,	,	PUNCT
ajbmeb-853	36	12	in	in	ADP
ajbmeb-853	36	13	the	the	DET
ajbmeb-853	36	14	development	development	NOUN
ajbmeb-853	36	15	of	of	ADP
ajbmeb-853	36	16	remote	remote	ADJ
ajbmeb-853	36	17	services	service	NOUN
ajbmeb-853	36	18	of	of	ADP
ajbmeb-853	36	19	commercial	commercial	ADJ
ajbmeb-853	36	20	banks	bank	NOUN
ajbmeb-853	36	21	,	,	PUNCT
ajbmeb-853	36	22	interviews	interview	NOUN
ajbmeb-853	36	23	with	with	ADP
ajbmeb-853	36	24	scientists	scientist	NOUN
ajbmeb-853	36	25	and	and	CCONJ
ajbmeb-853	36	26	representatives	representative	NOUN
ajbmeb-853	36	27	of	of	ADP
ajbmeb-853	36	28	the	the	DET
ajbmeb-853	36	29	field	field	NOUN
ajbmeb-853	36	30	,	,	PUNCT
ajbmeb-853	36	31	analysis	analysis	NOUN
ajbmeb-853	36	32	of	of	ADP
ajbmeb-853	36	33	their	their	PRON
ajbmeb-853	36	34	written	write	VERB
ajbmeb-853	36	35	and	and	CCONJ
ajbmeb-853	36	36	oral	oral	ADJ
ajbmeb-853	36	37	opinions	opinion	NOUN
ajbmeb-853	36	38	,	,	PUNCT
ajbmeb-853	36	39	expert	expert	NOUN
ajbmeb-853	36	40	evaluation	evaluation	NOUN
ajbmeb-853	36	41	,	,	PUNCT
ajbmeb-853	36	42	observation	observation	NOUN
ajbmeb-853	36	43	of	of	ADP
ajbmeb-853	36	44	processes	process	NOUN
ajbmeb-853	36	45	,	,	PUNCT
ajbmeb-853	36	46	systematic	systematic	ADJ
ajbmeb-853	36	47	approach	approach	NOUN
ajbmeb-853	36	48	to	to	ADP
ajbmeb-853	36	49	economic	economic	ADJ
ajbmeb-853	36	50	events	event	NOUN
ajbmeb-853	36	51	and	and	CCONJ
ajbmeb-853	36	52	processes	process	NOUN
ajbmeb-853	36	53	,	,	PUNCT
ajbmeb-853	36	54	comparative	comparative	ADJ
ajbmeb-853	36	55	analysis	analysis	NOUN
ajbmeb-853	36	56	with	with	ADP
ajbmeb-853	36	57	the	the	DET
ajbmeb-853	36	58	author	author	NOUN
ajbmeb-853	36	59	’s	’s	PART
ajbmeb-853	36	60	experiences	experience	NOUN
ajbmeb-853	36	61	conclusions	conclusion	NOUN
ajbmeb-853	36	62	and	and	CCONJ
ajbmeb-853	36	63	recommendations	recommendation	NOUN
ajbmeb-853	36	64	are	be	AUX
ajbmeb-853	36	65	given	give	VERB
ajbmeb-853	36	66	in	in	ADP
ajbmeb-853	36	67	the	the	DET
ajbmeb-853	36	68	relevant	relevant	ADJ
ajbmeb-853	36	69	directions	direction	NOUN
ajbmeb-853	36	70	.	.	PUNCT
ajbmeb-853	37	1	american	american	ADJ
ajbmeb-853	37	2	journal	journal	PROPN
ajbmeb-853	37	3	of	of	ADP
ajbmeb-853	37	4	business	business	NOUN
ajbmeb-853	37	5	management	management	NOUN
ajbmeb-853	37	6	,	,	PUNCT
ajbmeb-853	37	7	economics	economic	NOUN
ajbmeb-853	37	8	and	and	CCONJ
ajbmeb-853	37	9	banking	banking	NOUN
ajbmeb-853	37	10	volume	volume	NOUN
ajbmeb-853	37	11	12	12	NUM
ajbmeb-853	37	12	may	may	PROPN
ajbmeb-853	37	13	,	,	PUNCT
ajbmeb-853	37	14	2023	2023	NUM
ajbmeb-853	37	15	p	p	NOUN
ajbmeb-853	37	16	a	a	PRON
ajbmeb-853	37	17	g	g	NOUN
ajbmeb-853	37	18	e	e	NOUN
ajbmeb-853	37	19	|	|	ADV
ajbmeb-853	37	20	122	122	NUM
ajbmeb-853	37	21	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-853	37	22	4	4	NUM
ajbmeb-853	37	23	.	.	PUNCT
ajbmeb-853	37	24	analysis	analysis	NOUN
ajbmeb-853	37	25	and	and	CCONJ
ajbmeb-853	37	26	discussion	discussion	NOUN
ajbmeb-853	37	27	of	of	ADP
ajbmeb-853	37	28	results	result	NOUN
ajbmeb-853	37	29	in	in	ADP
ajbmeb-853	37	30	recent	recent	ADJ
ajbmeb-853	37	31	years	year	NOUN
ajbmeb-853	37	32	,	,	PUNCT
ajbmeb-853	37	33	various	various	ADJ
ajbmeb-853	37	34	innovative	innovative	ADJ
ajbmeb-853	37	35	banking	banking	NOUN
ajbmeb-853	37	36	services	service	NOUN
ajbmeb-853	37	37	have	have	AUX
ajbmeb-853	37	38	been	be	AUX
ajbmeb-853	37	39	offered	offer	VERB
ajbmeb-853	37	40	by	by	ADP
ajbmeb-853	37	41	banks	bank	NOUN
ajbmeb-853	37	42	in	in	ADP
ajbmeb-853	37	43	order	order	NOUN
ajbmeb-853	37	44	to	to	PART
ajbmeb-853	37	45	improve	improve	VERB
ajbmeb-853	37	46	the	the	DET
ajbmeb-853	37	47	quality	quality	NOUN
ajbmeb-853	37	48	of	of	ADP
ajbmeb-853	37	49	services	service	NOUN
ajbmeb-853	37	50	provided	provide	VERB
ajbmeb-853	37	51	to	to	ADP
ajbmeb-853	37	52	customers	customer	NOUN
ajbmeb-853	37	53	.	.	PUNCT
ajbmeb-853	38	1	in	in	ADP
ajbmeb-853	38	2	particular	particular	ADJ
ajbmeb-853	38	3	,	,	PUNCT
ajbmeb-853	38	4	the	the	DET
ajbmeb-853	38	5	traditional	traditional	ADJ
ajbmeb-853	38	6	“	"	PUNCT
ajbmeb-853	38	7	bank	bank	NOUN
ajbmeb-853	38	8	-	-	PUNCT
ajbmeb-853	38	9	client	client	NOUN
ajbmeb-853	38	10	”	"	PUNCT
ajbmeb-853	38	11	system	system	NOUN
ajbmeb-853	38	12	,	,	PUNCT
ajbmeb-853	38	13	which	which	PRON
ajbmeb-853	38	14	provides	provide	VERB
ajbmeb-853	38	15	remote	remote	ADJ
ajbmeb-853	38	16	banking	banking	NOUN
ajbmeb-853	38	17	services	service	NOUN
ajbmeb-853	38	18	,	,	PUNCT
ajbmeb-853	38	19	is	be	AUX
ajbmeb-853	38	20	widespread	widespread	ADJ
ajbmeb-853	38	21	in	in	ADP
ajbmeb-853	38	22	our	our	PRON
ajbmeb-853	38	23	republic	republic	NOUN
ajbmeb-853	38	24	and	and	CCONJ
ajbmeb-853	38	25	is	be	AUX
ajbmeb-853	38	26	implemented	implement	VERB
ajbmeb-853	38	27	in	in	ADP
ajbmeb-853	38	28	all	all	DET
ajbmeb-853	38	29	banks	bank	NOUN
ajbmeb-853	38	30	.	.	PUNCT
ajbmeb-853	39	1	to	to	PART
ajbmeb-853	39	2	use	use	VERB
ajbmeb-853	39	3	this	this	DET
ajbmeb-853	39	4	system	system	NOUN
ajbmeb-853	39	5	,	,	PUNCT
ajbmeb-853	39	6	a	a	DET
ajbmeb-853	39	7	special	special	ADJ
ajbmeb-853	39	8	program	program	NOUN
ajbmeb-853	39	9	is	be	AUX
ajbmeb-853	39	10	installed	instal	VERB
ajbmeb-853	39	11	on	on	ADP
ajbmeb-853	39	12	the	the	DET
ajbmeb-853	39	13	client	client	NOUN
ajbmeb-853	39	14	's	's	PART
ajbmeb-853	39	15	computer	computer	NOUN
ajbmeb-853	39	16	and	and	CCONJ
ajbmeb-853	39	17	interaction	interaction	NOUN
ajbmeb-853	39	18	with	with	ADP
ajbmeb-853	39	19	the	the	DET
ajbmeb-853	39	20	bank	bank	NOUN
ajbmeb-853	39	21	's	's	PART
ajbmeb-853	39	22	information	information	NOUN
ajbmeb-853	39	23	system	system	NOUN
ajbmeb-853	39	24	is	be	AUX
ajbmeb-853	39	25	ensured	ensure	VERB
ajbmeb-853	39	26	through	through	ADP
ajbmeb-853	39	27	communication	communication	NOUN
ajbmeb-853	39	28	channels	channel	NOUN
ajbmeb-853	39	29	.	.	PUNCT
ajbmeb-853	40	1	however	however	ADV
ajbmeb-853	40	2	,	,	PUNCT
ajbmeb-853	40	3	due	due	ADP
ajbmeb-853	40	4	to	to	ADP
ajbmeb-853	40	5	the	the	DET
ajbmeb-853	40	6	need	need	NOUN
ajbmeb-853	40	7	to	to	PART
ajbmeb-853	40	8	connect	connect	VERB
ajbmeb-853	40	9	to	to	ADP
ajbmeb-853	40	10	a	a	DET
ajbmeb-853	40	11	specific	specific	ADJ
ajbmeb-853	40	12	workplace	workplace	NOUN
ajbmeb-853	40	13	and	and	CCONJ
ajbmeb-853	40	14	use	use	VERB
ajbmeb-853	40	15	specialized	specialized	ADJ
ajbmeb-853	40	16	programs	program	NOUN
ajbmeb-853	40	17	when	when	SCONJ
ajbmeb-853	40	18	using	use	VERB
ajbmeb-853	40	19	the	the	DET
ajbmeb-853	40	20	“	"	PUNCT
ajbmeb-853	40	21	bank	bank	NOUN
ajbmeb-853	40	22	-	-	PUNCT
ajbmeb-853	40	23	client	client	NOUN
ajbmeb-853	40	24	”	"	PUNCT
ajbmeb-853	40	25	system	system	NOUN
ajbmeb-853	40	26	,	,	PUNCT
ajbmeb-853	40	27	the	the	DET
ajbmeb-853	40	28	possibility	possibility	NOUN
ajbmeb-853	40	29	of	of	ADP
ajbmeb-853	40	30	using	use	VERB
ajbmeb-853	40	31	this	this	DET
ajbmeb-853	40	32	system	system	NOUN
ajbmeb-853	40	33	is	be	AUX
ajbmeb-853	40	34	limited	limit	VERB
ajbmeb-853	40	35	[	[	X
ajbmeb-853	40	36	8	8	NUM
ajbmeb-853	40	37	]	]	PUNCT
ajbmeb-853	40	38	.	.	PUNCT
ajbmeb-853	41	1	the	the	DET
ajbmeb-853	41	2	online	online	PROPN
ajbmeb-853	41	3	banking	banking	NOUN
ajbmeb-853	41	4	(	(	PUNCT
ajbmeb-853	41	5	internet	internet	NOUN
ajbmeb-853	41	6	banking	banking	NOUN
ajbmeb-853	41	7	)	)	PUNCT
ajbmeb-853	41	8	system	system	NOUN
ajbmeb-853	41	9	is	be	AUX
ajbmeb-853	41	10	widely	widely	ADV
ajbmeb-853	41	11	used	use	VERB
ajbmeb-853	41	12	,	,	PUNCT
ajbmeb-853	41	13	which	which	PRON
ajbmeb-853	41	14	provides	provide	VERB
ajbmeb-853	41	15	operation	operation	NOUN
ajbmeb-853	41	16	through	through	ADP
ajbmeb-853	41	17	the	the	DET
ajbmeb-853	41	18	internet	internet	NOUN
ajbmeb-853	41	19	network	network	NOUN
ajbmeb-853	41	20	and	and	CCONJ
ajbmeb-853	41	21	a	a	DET
ajbmeb-853	41	22	simple	simple	ADJ
ajbmeb-853	41	23	browser	browser	NOUN
ajbmeb-853	41	24	,	,	PUNCT
ajbmeb-853	41	25	that	that	ADV
ajbmeb-853	41	26	is	is	ADV
ajbmeb-853	41	27	,	,	PUNCT
ajbmeb-853	41	28	a	a	DET
ajbmeb-853	41	29	common	common	ADJ
ajbmeb-853	41	30	program	program	NOUN
ajbmeb-853	41	31	that	that	PRON
ajbmeb-853	41	32	allows	allow	VERB
ajbmeb-853	41	33	the	the	DET
ajbmeb-853	41	34	client	client	NOUN
ajbmeb-853	41	35	to	to	PART
ajbmeb-853	41	36	access	access	VERB
ajbmeb-853	41	37	the	the	DET
ajbmeb-853	41	38	network	network	NOUN
ajbmeb-853	41	39	.	.	PUNCT
ajbmeb-853	42	1	internet	internet	NOUN
ajbmeb-853	42	2	banking	banking	NOUN
ajbmeb-853	42	3	technology	technology	NOUN
ajbmeb-853	42	4	creates	create	VERB
ajbmeb-853	42	5	additional	additional	ADJ
ajbmeb-853	42	6	convenience	convenience	NOUN
ajbmeb-853	42	7	for	for	ADP
ajbmeb-853	42	8	both	both	CCONJ
ajbmeb-853	42	9	the	the	DET
ajbmeb-853	42	10	bank	bank	NOUN
ajbmeb-853	42	11	and	and	CCONJ
ajbmeb-853	42	12	customers	customer	NOUN
ajbmeb-853	42	13	.	.	PUNCT
ajbmeb-853	43	1	in	in	ADP
ajbmeb-853	43	2	particular	particular	ADJ
ajbmeb-853	43	3	,	,	PUNCT
ajbmeb-853	43	4	the	the	DET
ajbmeb-853	43	5	client	client	NOUN
ajbmeb-853	43	6	has	have	VERB
ajbmeb-853	43	7	the	the	DET
ajbmeb-853	43	8	opportunity	opportunity	NOUN
ajbmeb-853	43	9	to	to	PART
ajbmeb-853	43	10	carry	carry	VERB
ajbmeb-853	43	11	out	out	ADP
ajbmeb-853	43	12	banking	banking	NOUN
ajbmeb-853	43	13	operations	operation	NOUN
ajbmeb-853	43	14	on	on	ADP
ajbmeb-853	43	15	his	his	PRON
ajbmeb-853	43	16	account	account	NOUN
ajbmeb-853	43	17	from	from	ADP
ajbmeb-853	43	18	anywhere	anywhere	ADV
ajbmeb-853	43	19	and	and	CCONJ
ajbmeb-853	43	20	at	at	ADP
ajbmeb-853	43	21	any	any	DET
ajbmeb-853	43	22	time	time	NOUN
ajbmeb-853	43	23	via	via	ADP
ajbmeb-853	43	24	the	the	DET
ajbmeb-853	43	25	internet	internet	NOUN
ajbmeb-853	43	26	without	without	ADP
ajbmeb-853	43	27	going	go	VERB
ajbmeb-853	43	28	to	to	ADP
ajbmeb-853	43	29	the	the	DET
ajbmeb-853	43	30	bank	bank	NOUN
ajbmeb-853	43	31	.	.	PUNCT
ajbmeb-853	44	1	can	can	AUX
ajbmeb-853	44	2	get	get	VERB
ajbmeb-853	44	3	information	information	NOUN
ajbmeb-853	44	4	about	about	ADP
ajbmeb-853	44	5	actions	action	NOUN
ajbmeb-853	44	6	.	.	PUNCT
ajbmeb-853	45	1	this	this	PRON
ajbmeb-853	45	2	creates	create	VERB
ajbmeb-853	45	3	the	the	DET
ajbmeb-853	45	4	advantages	advantage	NOUN
ajbmeb-853	45	5	of	of	ADP
ajbmeb-853	45	6	saving	save	VERB
ajbmeb-853	45	7	time	time	NOUN
ajbmeb-853	45	8	and	and	CCONJ
ajbmeb-853	45	9	money	money	NOUN
ajbmeb-853	45	10	for	for	ADP
ajbmeb-853	45	11	the	the	DET
ajbmeb-853	45	12	client	client	NOUN
ajbmeb-853	45	13	,	,	PUNCT
ajbmeb-853	45	14	freely	freely	ADV
ajbmeb-853	45	15	choosing	choose	VERB
ajbmeb-853	45	16	a	a	DET
ajbmeb-853	45	17	bank	bank	NOUN
ajbmeb-853	45	18	regardless	regardless	ADV
ajbmeb-853	45	19	of	of	ADP
ajbmeb-853	45	20	the	the	DET
ajbmeb-853	45	21	distance	distance	NOUN
ajbmeb-853	45	22	and	and	CCONJ
ajbmeb-853	45	23	proximity	proximity	NOUN
ajbmeb-853	45	24	of	of	ADP
ajbmeb-853	45	25	the	the	DET
ajbmeb-853	45	26	address	address	NOUN
ajbmeb-853	45	27	,	,	PUNCT
ajbmeb-853	45	28	and	and	CCONJ
ajbmeb-853	45	29	quickly	quickly	ADV
ajbmeb-853	45	30	managing	manage	VERB
ajbmeb-853	45	31	their	their	PRON
ajbmeb-853	45	32	funds	fund	NOUN
ajbmeb-853	45	33	.	.	PUNCT
ajbmeb-853	46	1	also	also	ADV
ajbmeb-853	46	2	,	,	PUNCT
ajbmeb-853	46	3	in	in	ADP
ajbmeb-853	46	4	cooperation	cooperation	NOUN
ajbmeb-853	46	5	with	with	ADP
ajbmeb-853	46	6	commercial	commercial	ADJ
ajbmeb-853	46	7	banks	bank	NOUN
ajbmeb-853	46	8	that	that	PRON
ajbmeb-853	46	9	are	be	AUX
ajbmeb-853	46	10	participants	participant	NOUN
ajbmeb-853	46	11	of	of	ADP
ajbmeb-853	46	12	the	the	DET
ajbmeb-853	46	13	“	"	PUNCT
ajbmeb-853	46	14	uzcard	uzcard	ADJ
ajbmeb-853	46	15	”	"	PUNCT
ajbmeb-853	46	16	interbank	interbank	NOUN
ajbmeb-853	46	17	payment	payment	NOUN
ajbmeb-853	46	18	system	system	NOUN
ajbmeb-853	46	19	,	,	PUNCT
ajbmeb-853	46	20	the	the	DET
ajbmeb-853	46	21	creation	creation	NOUN
ajbmeb-853	46	22	of	of	ADP
ajbmeb-853	46	23	a	a	DET
ajbmeb-853	46	24	national	national	ADJ
ajbmeb-853	46	25	technological	technological	ADJ
ajbmeb-853	46	26	platform	platform	NOUN
ajbmeb-853	46	27	that	that	PRON
ajbmeb-853	46	28	works	work	VERB
ajbmeb-853	46	29	in	in	ADP
ajbmeb-853	46	30	the	the	DET
ajbmeb-853	46	31	“	"	PUNCT
ajbmeb-853	46	32	on	on	ADP
ajbmeb-853	46	33	-	-	PUNCT
ajbmeb-853	46	34	line	line	NOUN
ajbmeb-853	46	35	”	"	PUNCT
ajbmeb-853	46	36	mode	mode	NOUN
ajbmeb-853	46	37	will	will	AUX
ajbmeb-853	46	38	allow	allow	VERB
ajbmeb-853	46	39	the	the	DET
ajbmeb-853	46	40	client	client	NOUN
ajbmeb-853	46	41	to	to	PART
ajbmeb-853	46	42	manage	manage	VERB
ajbmeb-853	46	43	his	his	PRON
ajbmeb-853	46	44	card	card	NOUN
ajbmeb-853	46	45	accounts	account	NOUN
ajbmeb-853	46	46	in	in	ADP
ajbmeb-853	46	47	real	real	ADJ
ajbmeb-853	46	48	time	time	NOUN
ajbmeb-853	46	49	through	through	ADP
ajbmeb-853	46	50	internet	internet	NOUN
ajbmeb-853	46	51	banking	banking	NOUN
ajbmeb-853	46	52	services	service	NOUN
ajbmeb-853	46	53	,	,	PUNCT
ajbmeb-853	46	54	utility	utility	NOUN
ajbmeb-853	46	55	and	and	CCONJ
ajbmeb-853	46	56	other	other	ADJ
ajbmeb-853	46	57	gives	give	VERB
ajbmeb-853	46	58	him	he	PRON
ajbmeb-853	46	59	the	the	DET
ajbmeb-853	46	60	opportunity	opportunity	NOUN
ajbmeb-853	46	61	to	to	PART
ajbmeb-853	46	62	fulfill	fulfill	VERB
ajbmeb-853	46	63	his	his	PRON
ajbmeb-853	46	64	wishes	wish	NOUN
ajbmeb-853	47	1	[	[	X
ajbmeb-853	47	2	9	9	NUM
ajbmeb-853	47	3	]	]	PUNCT
ajbmeb-853	47	4	.	.	PUNCT
ajbmeb-853	48	1	table	table	NOUN
ajbmeb-853	48	2	1	1	NUM
ajbmeb-853	48	3	.	.	PUNCT
ajbmeb-853	49	1	analytical	analytical	ADJ
ajbmeb-853	49	2	information	information	NOUN
ajbmeb-853	49	3	about	about	ADP
ajbmeb-853	49	4	transactions	transaction	NOUN
ajbmeb-853	49	5	through	through	ADP
ajbmeb-853	49	6	instant	instant	ADJ
ajbmeb-853	49	7	payment	payment	NOUN
ajbmeb-853	49	8	system	system	NOUN
ajbmeb-853	49	9	of	of	ADP
ajbmeb-853	49	10	central	central	ADJ
ajbmeb-853	49	11	bank	bank	NOUN
ajbmeb-853	50	1	[	[	X
ajbmeb-853	50	2	10	10	NUM
ajbmeb-853	50	3	]	]	SYM
ajbmeb-853	50	4	years	year	NOUN
ajbmeb-853	50	5	number	number	NOUN
ajbmeb-853	50	6	of	of	ADP
ajbmeb-853	50	7	commercial	commercial	ADJ
ajbmeb-853	50	8	banks	bank	NOUN
ajbmeb-853	50	9	transactions	transaction	NOUN
ajbmeb-853	50	10	during	during	ADP
ajbmeb-853	50	11	including	include	VERB
ajbmeb-853	50	12	the	the	DET
ajbmeb-853	50	13	budget	budget	NOUN
ajbmeb-853	50	14	number	number	NOUN
ajbmeb-853	50	15	amount	amount	NOUN
ajbmeb-853	50	16	number	number	NOUN
ajbmeb-853	50	17	amount	amount	NOUN
ajbmeb-853	50	18	2023	2023	NUM
ajbmeb-853	50	19	31	31	NUM
ajbmeb-853	50	20	2	2	NUM
ajbmeb-853	50	21	187	187	NUM
ajbmeb-853	50	22	884	884	NUM
ajbmeb-853	50	23	44	44	NUM
ajbmeb-853	50	24	bill	bill	NOUN
ajbmeb-853	50	25	.	.	PUNCT
ajbmeb-853	51	1	sum	sum	VERB
ajbmeb-853	51	2	920	920	NUM
ajbmeb-853	51	3	478	478	NUM
ajbmeb-853	51	4	2,9	2,9	NUM
ajbmeb-853	51	5	bill	bill	NOUN
ajbmeb-853	51	6	.	.	PUNCT
ajbmeb-853	52	1	sum	sum	VERB
ajbmeb-853	52	2	2022	2022	NUM
ajbmeb-853	52	3	32	32	NUM
ajbmeb-853	52	4	1	1	NUM
ajbmeb-853	52	5	333	333	NUM
ajbmeb-853	52	6	266	266	NUM
ajbmeb-853	52	7	32	32	NUM
ajbmeb-853	52	8	bill	bill	NOUN
ajbmeb-853	52	9	.	.	PUNCT
ajbmeb-853	53	1	sum	sum	VERB
ajbmeb-853	53	2	317	317	NUM
ajbmeb-853	53	3	504	504	NUM
ajbmeb-853	53	4	1,4	1,4	NUM
ajbmeb-853	53	5	bill	bill	NOUN
ajbmeb-853	53	6	.	.	PUNCT
ajbmeb-853	54	1	sum	sum	NOUN
ajbmeb-853	54	2	it	it	PRON
ajbmeb-853	54	3	can	can	AUX
ajbmeb-853	54	4	be	be	AUX
ajbmeb-853	54	5	seen	see	VERB
ajbmeb-853	54	6	from	from	ADP
ajbmeb-853	54	7	the	the	DET
ajbmeb-853	54	8	data	datum	NOUN
ajbmeb-853	54	9	in	in	ADP
ajbmeb-853	54	10	the	the	DET
ajbmeb-853	54	11	above	above	ADJ
ajbmeb-853	54	12	picture	picture	NOUN
ajbmeb-853	54	13	that	that	SCONJ
ajbmeb-853	54	14	the	the	DET
ajbmeb-853	54	15	number	number	NOUN
ajbmeb-853	54	16	of	of	ADP
ajbmeb-853	54	17	users	user	NOUN
ajbmeb-853	54	18	of	of	ADP
ajbmeb-853	54	19	the	the	DET
ajbmeb-853	54	20	system	system	NOUN
ajbmeb-853	54	21	has	have	AUX
ajbmeb-853	54	22	increased	increase	VERB
ajbmeb-853	54	23	significantly	significantly	ADV
ajbmeb-853	54	24	in	in	ADP
ajbmeb-853	54	25	the	the	DET
ajbmeb-853	54	26	last	last	ADJ
ajbmeb-853	54	27	three	three	NUM
ajbmeb-853	54	28	years	year	NOUN
ajbmeb-853	54	29	.	.	PUNCT
ajbmeb-853	55	1	if	if	SCONJ
ajbmeb-853	55	2	we	we	PRON
ajbmeb-853	55	3	talk	talk	VERB
ajbmeb-853	55	4	about	about	ADP
ajbmeb-853	55	5	the	the	DET
ajbmeb-853	55	6	evolution	evolution	NOUN
ajbmeb-853	55	7	of	of	ADP
ajbmeb-853	55	8	this	this	DET
ajbmeb-853	55	9	system	system	NOUN
ajbmeb-853	55	10	,	,	PUNCT
ajbmeb-853	55	11	the	the	DET
ajbmeb-853	55	12	initiators	initiator	NOUN
ajbmeb-853	55	13	of	of	ADP
ajbmeb-853	55	14	remote	remote	ADJ
ajbmeb-853	55	15	banking	banking	NOUN
ajbmeb-853	55	16	services	service	NOUN
ajbmeb-853	55	17	are	be	AUX
ajbmeb-853	55	18	the	the	DET
ajbmeb-853	55	19	unified	unified	ADJ
ajbmeb-853	55	20	all	all	DET
ajbmeb-853	55	21	-	-	PUNCT
ajbmeb-853	55	22	republic	republic	NOUN
ajbmeb-853	55	23	processing	processing	NOUN
ajbmeb-853	55	24	center	center	NOUN
ajbmeb-853	55	25	and	and	CCONJ
ajbmeb-853	55	26	the	the	DET
ajbmeb-853	55	27	click	click	ADJ
ajbmeb-853	55	28	company	company	NOUN
ajbmeb-853	55	29	.	.	PUNCT
ajbmeb-853	56	1	table	table	NOUN
ajbmeb-853	56	2	2	2	NUM
ajbmeb-853	56	3	.	.	X
ajbmeb-853	56	4	number	number	NOUN
ajbmeb-853	56	5	of	of	ADP
ajbmeb-853	56	6	customers	customer	NOUN
ajbmeb-853	56	7	applied	apply	VERB
ajbmeb-853	56	8	remote	remote	ADJ
ajbmeb-853	56	9	banking	banking	NOUN
ajbmeb-853	56	10	systems	system	NOUN
ajbmeb-853	56	11	as	as	ADP
ajbmeb-853	56	12	of	of	ADP
ajbmeb-853	56	13	april	april	PROPN
ajbmeb-853	56	14	1	1	NUM
ajbmeb-853	56	15	,	,	PUNCT
ajbmeb-853	56	16	2023	2023	NUM
ajbmeb-853	56	17	[	[	X
ajbmeb-853	56	18	10	10	NUM
ajbmeb-853	56	19	]	]	SYM
ajbmeb-853	56	20	years	year	NOUN
ajbmeb-853	56	21	legal	legal	ADJ
ajbmeb-853	56	22	entities	entity	NOUN
ajbmeb-853	56	23	and	and	CCONJ
ajbmeb-853	56	24	individual	individual	ADJ
ajbmeb-853	56	25	entrepreneurs	entrepreneur	NOUN
ajbmeb-853	56	26	individuals	individual	NOUN
ajbmeb-853	56	27	total	total	ADJ
ajbmeb-853	56	28	by	by	ADP
ajbmeb-853	56	29	banks	bank	NOUN
ajbmeb-853	56	30	2023	2023	NUM
ajbmeb-853	56	31	1	1	NUM
ajbmeb-853	56	32	214	214	NUM
ajbmeb-853	56	33	790	790	NUM
ajbmeb-853	56	34	34	34	NUM
ajbmeb-853	56	35	489	489	NUM
ajbmeb-853	56	36	525	525	NUM
ajbmeb-853	56	37	35	35	NUM
ajbmeb-853	56	38	704	704	NUM
ajbmeb-853	56	39	315	315	NUM
ajbmeb-853	56	40	2022	2022	NUM
ajbmeb-853	57	1	995	995	NUM
ajbmeb-853	57	2	551	551	NUM
ajbmeb-853	57	3	20	20	NUM
ajbmeb-853	57	4	545	545	NUM
ajbmeb-853	57	5	502	502	NUM
ajbmeb-853	57	6	21	21	NUM
ajbmeb-853	57	7	541	541	NUM
ajbmeb-853	57	8	053	053	NUM
ajbmeb-853	57	9	2021	2021	NUM
ajbmeb-853	57	10	844	844	NUM
ajbmeb-853	57	11	581	581	NUM
ajbmeb-853	57	12	14	14	NUM
ajbmeb-853	57	13	796	796	NUM
ajbmeb-853	57	14	429	429	NUM
ajbmeb-853	57	15	15	15	NUM
ajbmeb-853	57	16	641	641	NUM
ajbmeb-853	57	17	010	010	NUM
ajbmeb-853	57	18	2020	2020	NUM
ajbmeb-853	57	19	699	699	NUM
ajbmeb-853	57	20	901	901	NUM
ajbmeb-853	57	21	9	9	NUM
ajbmeb-853	57	22	684	684	NUM
ajbmeb-853	57	23	076	076	NUM
ajbmeb-853	57	24	10	10	NUM
ajbmeb-853	57	25	383	383	NUM
ajbmeb-853	57	26	977	977	NUM
ajbmeb-853	57	27	2019	2019	NUM
ajbmeb-853	57	28	498	498	NUM
ajbmeb-853	57	29	601	601	NUM
ajbmeb-853	57	30	8	8	NUM
ajbmeb-853	57	31	718	718	NUM
ajbmeb-853	57	32	926	926	NUM
ajbmeb-853	57	33	9	9	NUM
ajbmeb-853	57	34	217	217	NUM
ajbmeb-853	57	35	527	527	NUM
ajbmeb-853	57	36	american	american	ADJ
ajbmeb-853	57	37	journal	journal	PROPN
ajbmeb-853	57	38	of	of	ADP
ajbmeb-853	57	39	business	business	NOUN
ajbmeb-853	57	40	management	management	NOUN
ajbmeb-853	57	41	,	,	PUNCT
ajbmeb-853	57	42	economics	economic	NOUN
ajbmeb-853	57	43	and	and	CCONJ
ajbmeb-853	57	44	banking	banking	NOUN
ajbmeb-853	57	45	volume	volume	NOUN
ajbmeb-853	57	46	12	12	NUM
ajbmeb-853	57	47	may	may	PROPN
ajbmeb-853	57	48	,	,	PUNCT
ajbmeb-853	57	49	2023	2023	NUM
ajbmeb-853	57	50	p	p	NOUN
ajbmeb-853	57	51	a	a	DET
ajbmeb-853	57	52	g	g	NOUN
ajbmeb-853	57	53	e	e	NOUN
ajbmeb-853	57	54	|	|	NOUN
ajbmeb-853	57	55	123	123	NUM
ajbmeb-853	57	56	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-853	57	57	from	from	ADP
ajbmeb-853	57	58	september	september	PROPN
ajbmeb-853	57	59	1	1	NUM
ajbmeb-853	57	60	,	,	PUNCT
ajbmeb-853	57	61	2013	2013	NUM
ajbmeb-853	57	62	,	,	PUNCT
ajbmeb-853	57	63	the	the	DET
ajbmeb-853	57	64	uzcard	uzcard	NOUN
ajbmeb-853	57	65	-	-	PUNCT
ajbmeb-853	57	66	click	click	ADJ
ajbmeb-853	57	67	joint	joint	ADJ
ajbmeb-853	57	68	project	project	NOUN
ajbmeb-853	57	69	of	of	ADP
ajbmeb-853	57	70	the	the	DET
ajbmeb-853	57	71	unified	unified	ADJ
ajbmeb-853	57	72	all	all	DET
ajbmeb-853	57	73	-	-	PUNCT
ajbmeb-853	57	74	republic	republic	NOUN
ajbmeb-853	57	75	processing	processing	NOUN
ajbmeb-853	57	76	center	center	NOUN
ajbmeb-853	57	77	and	and	CCONJ
ajbmeb-853	57	78	the	the	DET
ajbmeb-853	57	79	click	click	ADJ
ajbmeb-853	57	80	company	company	NOUN
ajbmeb-853	57	81	was	be	AUX
ajbmeb-853	57	82	implemented	implement	VERB
ajbmeb-853	57	83	.	.	PUNCT
ajbmeb-853	58	1	within	within	ADP
ajbmeb-853	58	2	the	the	DET
ajbmeb-853	58	3	framework	framework	NOUN
ajbmeb-853	58	4	of	of	ADP
ajbmeb-853	58	5	this	this	DET
ajbmeb-853	58	6	project	project	NOUN
ajbmeb-853	58	7	,	,	PUNCT
ajbmeb-853	58	8	all	all	DET
ajbmeb-853	58	9	uzcard	uzcard	ADJ
ajbmeb-853	58	10	online	online	ADJ
ajbmeb-853	58	11	plastic	plastic	NOUN
ajbmeb-853	58	12	card	card	NOUN
ajbmeb-853	58	13	users	user	NOUN
ajbmeb-853	58	14	of	of	ADP
ajbmeb-853	58	15	any	any	DET
ajbmeb-853	58	16	bank	bank	NOUN
ajbmeb-853	58	17	in	in	ADP
ajbmeb-853	58	18	uzbekistan	uzbekistan	PROPN
ajbmeb-853	58	19	can	can	AUX
ajbmeb-853	58	20	connect	connect	VERB
ajbmeb-853	58	21	the	the	DET
ajbmeb-853	58	22	uzcard	uzcard	ADJ
ajbmeb-853	58	23	sms	sms	PROPN
ajbmeb-853	58	24	-	-	PUNCT
ajbmeb-853	58	25	notification	notification	NOUN
ajbmeb-853	58	26	service	service	NOUN
ajbmeb-853	58	27	to	to	ADP
ajbmeb-853	58	28	their	their	PRON
ajbmeb-853	58	29	mobile	mobile	ADJ
ajbmeb-853	58	30	phone	phone	NOUN
ajbmeb-853	58	31	at	at	ADP
ajbmeb-853	58	32	any	any	DET
ajbmeb-853	58	33	bank	bank	NOUN
ajbmeb-853	58	34	or	or	CCONJ
ajbmeb-853	58	35	infokiosk	infokiosk	VERB
ajbmeb-853	58	36	.	.	PUNCT
ajbmeb-853	59	1	then	then	ADV
ajbmeb-853	59	2	it	it	PRON
ajbmeb-853	59	3	is	be	AUX
ajbmeb-853	59	4	necessary	necessary	ADJ
ajbmeb-853	59	5	to	to	PART
ajbmeb-853	59	6	connect	connect	VERB
ajbmeb-853	59	7	your	your	PRON
ajbmeb-853	59	8	uzcard	uzcard	ADJ
ajbmeb-853	59	9	online	online	ADJ
ajbmeb-853	59	10	plastic	plastic	NOUN
ajbmeb-853	59	11	card	card	NOUN
ajbmeb-853	59	12	to	to	ADP
ajbmeb-853	59	13	the	the	DET
ajbmeb-853	59	14	system	system	NOUN
ajbmeb-853	59	15	by	by	ADP
ajbmeb-853	59	16	sending	send	VERB
ajbmeb-853	59	17	a	a	DET
ajbmeb-853	59	18	free	free	ADJ
ajbmeb-853	59	19	ussd	ussd	ADJ
ajbmeb-853	59	20	request	request	NOUN
ajbmeb-853	59	21	from	from	ADP
ajbmeb-853	59	22	a	a	DET
ajbmeb-853	59	23	mobile	mobile	ADJ
ajbmeb-853	59	24	phone	phone	NOUN
ajbmeb-853	59	25	connected	connect	VERB
ajbmeb-853	59	26	to	to	ADP
ajbmeb-853	59	27	the	the	DET
ajbmeb-853	59	28	smsnotification	smsnotification	NOUN
ajbmeb-853	59	29	service	service	NOUN
ajbmeb-853	59	30	.	.	PUNCT
ajbmeb-853	60	1	after	after	ADP
ajbmeb-853	60	2	that	that	PRON
ajbmeb-853	60	3	,	,	PUNCT
ajbmeb-853	60	4	the	the	DET
ajbmeb-853	60	5	user	user	NOUN
ajbmeb-853	60	6	can	can	AUX
ajbmeb-853	60	7	pay	pay	VERB
ajbmeb-853	60	8	from	from	ADP
ajbmeb-853	60	9	a	a	DET
ajbmeb-853	60	10	plastic	plastic	NOUN
ajbmeb-853	60	11	card	card	NOUN
ajbmeb-853	60	12	via	via	ADP
ajbmeb-853	60	13	mobile	mobile	ADJ
ajbmeb-853	60	14	phone	phone	NOUN
ajbmeb-853	60	15	.	.	PUNCT
ajbmeb-853	61	1	the	the	DET
ajbmeb-853	61	2	distinguishing	distinguish	VERB
ajbmeb-853	61	3	feature	feature	NOUN
ajbmeb-853	61	4	of	of	ADP
ajbmeb-853	61	5	this	this	DET
ajbmeb-853	61	6	project	project	NOUN
ajbmeb-853	61	7	is	be	AUX
ajbmeb-853	61	8	that	that	SCONJ
ajbmeb-853	61	9	all	all	DET
ajbmeb-853	61	10	payments	payment	NOUN
ajbmeb-853	61	11	are	be	AUX
ajbmeb-853	61	12	made	make	VERB
ajbmeb-853	61	13	without	without	ADP
ajbmeb-853	61	14	intermediary	intermediary	NOUN
ajbmeb-853	61	15	fees	fee	NOUN
ajbmeb-853	61	16	.	.	PUNCT
ajbmeb-853	62	1	implementation	implementation	NOUN
ajbmeb-853	62	2	of	of	ADP
ajbmeb-853	62	3	such	such	ADJ
ajbmeb-853	62	4	modern	modern	ADJ
ajbmeb-853	62	5	projects	project	NOUN
ajbmeb-853	62	6	that	that	PRON
ajbmeb-853	62	7	provide	provide	VERB
ajbmeb-853	62	8	innovative	innovative	ADJ
ajbmeb-853	62	9	services	service	NOUN
ajbmeb-853	62	10	to	to	ADP
ajbmeb-853	62	11	users	user	NOUN
ajbmeb-853	62	12	of	of	ADP
ajbmeb-853	62	13	online	online	ADJ
ajbmeb-853	62	14	plastic	plastic	ADJ
ajbmeb-853	62	15	cards	card	NOUN
ajbmeb-853	62	16	in	in	ADP
ajbmeb-853	62	17	many	many	ADJ
ajbmeb-853	62	18	ways	way	NOUN
ajbmeb-853	62	19	,	,	PUNCT
ajbmeb-853	62	20	it	it	PRON
ajbmeb-853	62	21	enables	enable	VERB
ajbmeb-853	62	22	the	the	DET
ajbmeb-853	62	23	development	development	NOUN
ajbmeb-853	62	24	of	of	ADP
ajbmeb-853	62	25	the	the	DET
ajbmeb-853	62	26	cashless	cashless	NOUN
ajbmeb-853	62	27	settlement	settlement	NOUN
ajbmeb-853	62	28	system	system	NOUN
ajbmeb-853	62	29	in	in	ADP
ajbmeb-853	62	30	our	our	PRON
ajbmeb-853	62	31	country	country	NOUN
ajbmeb-853	62	32	.	.	PUNCT
ajbmeb-853	63	1	table	table	NOUN
ajbmeb-853	63	2	3	3	NUM
ajbmeb-853	63	3	.	.	X
ajbmeb-853	63	4	number	number	NOUN
ajbmeb-853	63	5	of	of	ADP
ajbmeb-853	63	6	customers	customer	NOUN
ajbmeb-853	63	7	applied	apply	VERB
ajbmeb-853	63	8	remote	remote	ADJ
ajbmeb-853	63	9	banking	banking	NOUN
ajbmeb-853	63	10	systems	system	NOUN
ajbmeb-853	63	11	as	as	ADP
ajbmeb-853	63	12	of	of	ADP
ajbmeb-853	63	13	april	april	PROPN
ajbmeb-853	63	14	1	1	NUM
ajbmeb-853	63	15	,	,	PUNCT
ajbmeb-853	63	16	2023	2023	NUM
ajbmeb-853	63	17	(	(	PUNCT
ajbmeb-853	63	18	top	top	ADJ
ajbmeb-853	63	19	12	12	NUM
ajbmeb-853	63	20	banks	bank	NOUN
ajbmeb-853	63	21	)	)	PUNCT
ajbmeb-853	64	1	[	[	X
ajbmeb-853	64	2	10	10	NUM
ajbmeb-853	64	3	]	]	PUNCT
ajbmeb-853	64	4	№	№	NUM
ajbmeb-853	64	5	bank	bank	NOUN
ajbmeb-853	64	6	’s	’s	PART
ajbmeb-853	64	7	name	name	NOUN
ajbmeb-853	64	8	legal	legal	ADJ
ajbmeb-853	64	9	entities	entity	NOUN
ajbmeb-853	64	10	and	and	CCONJ
ajbmeb-853	64	11	individual	individual	ADJ
ajbmeb-853	64	12	entrepreneurs	entrepreneur	NOUN
ajbmeb-853	64	13	individuals	individual	NOUN
ajbmeb-853	64	14	total	total	ADJ
ajbmeb-853	64	15	by	by	ADP
ajbmeb-853	64	16	banks	bank	NOUN
ajbmeb-853	64	17	1	1	NUM
ajbmeb-853	64	18	national	national	PROPN
ajbmeb-853	64	19	bank	bank	PROPN
ajbmeb-853	64	20	92	92	NUM
ajbmeb-853	64	21	128	128	NUM
ajbmeb-853	64	22	1	1	NUM
ajbmeb-853	64	23	552	552	NUM
ajbmeb-853	64	24	356	356	NUM
ajbmeb-853	64	25	1	1	NUM
ajbmeb-853	64	26	644	644	NUM
ajbmeb-853	64	27	484	484	NUM
ajbmeb-853	64	28	2	2	NUM
ajbmeb-853	64	29	uzbek	uzbek	NOUN
ajbmeb-853	64	30	industrial	industrial	ADJ
ajbmeb-853	64	31	and	and	CCONJ
ajbmeb-853	64	32	construction	construction	NOUN
ajbmeb-853	64	33	bank	bank	PROPN
ajbmeb-853	65	1	65	65	NUM
ajbmeb-853	65	2	275	275	NUM
ajbmeb-853	65	3	4	4	NUM
ajbmeb-853	65	4	927	927	NUM
ajbmeb-853	65	5	727	727	NUM
ajbmeb-853	65	6	4	4	NUM
ajbmeb-853	65	7	993	993	NUM
ajbmeb-853	65	8	002	002	NUM
ajbmeb-853	65	9	3	3	NUM
ajbmeb-853	65	10	agrobank	agrobank	NOUN
ajbmeb-853	65	11	189	189	NUM
ajbmeb-853	65	12	572	572	NUM
ajbmeb-853	65	13	4	4	NUM
ajbmeb-853	65	14	894	894	NUM
ajbmeb-853	65	15	661	661	NUM
ajbmeb-853	65	16	5	5	NUM
ajbmeb-853	65	17	084	084	NUM
ajbmeb-853	65	18	233	233	NUM
ajbmeb-853	65	19	4	4	NUM
ajbmeb-853	65	20	ipoteka	ipoteka	PROPN
ajbmeb-853	65	21	-	-	PUNCT
ajbmeb-853	65	22	bank	bank	NOUN
ajbmeb-853	65	23	151	151	NUM
ajbmeb-853	65	24	940	940	NUM
ajbmeb-853	65	25	2	2	NUM
ajbmeb-853	65	26	407	407	NUM
ajbmeb-853	65	27	289	289	NUM
ajbmeb-853	65	28	2	2	NUM
ajbmeb-853	65	29	559	559	NUM
ajbmeb-853	65	30	229	229	NUM
ajbmeb-853	65	31	5	5	NUM
ajbmeb-853	65	32	mikrokreditbank	mikrokreditbank	ADJ
ajbmeb-853	65	33	56	56	NUM
ajbmeb-853	65	34	915	915	NUM
ajbmeb-853	65	35	924	924	NUM
ajbmeb-853	65	36	908	908	NUM
ajbmeb-853	65	37	981	981	NUM
ajbmeb-853	65	38	823	823	NUM
ajbmeb-853	65	39	6	6	NUM
ajbmeb-853	65	40	xalq	xalq	PROPN
ajbmeb-853	65	41	bank	bank	PROPN
ajbmeb-853	65	42	99	99	NUM
ajbmeb-853	65	43	428	428	NUM
ajbmeb-853	65	44	4	4	NUM
ajbmeb-853	65	45	891	891	NUM
ajbmeb-853	65	46	922	922	NUM
ajbmeb-853	65	47	4	4	NUM
ajbmeb-853	65	48	991	991	NUM
ajbmeb-853	65	49	350	350	NUM
ajbmeb-853	65	50	7	7	NUM
ajbmeb-853	65	51	garant	garant	PROPN
ajbmeb-853	65	52	bank	bank	NOUN
ajbmeb-853	65	53	8	8	NUM
ajbmeb-853	65	54	313	313	NUM
ajbmeb-853	65	55	101	101	NUM
ajbmeb-853	65	56	980	980	NUM
ajbmeb-853	65	57	110	110	NUM
ajbmeb-853	65	58	293	293	NUM
ajbmeb-853	65	59	8	8	NUM
ajbmeb-853	65	60	qishloq	qishloq	NOUN
ajbmeb-853	65	61	qurilish	qurilish	PROPN
ajbmeb-853	65	62	bank	bank	PROPN
ajbmeb-853	65	63	27	27	NUM
ajbmeb-853	65	64	907	907	NUM
ajbmeb-853	65	65	379	379	NUM
ajbmeb-853	65	66	152	152	NUM
ajbmeb-853	65	67	407	407	NUM
ajbmeb-853	65	68	059	059	NUM
ajbmeb-853	65	69	9	9	NUM
ajbmeb-853	65	70	turonbank	turonbank	NOUN
ajbmeb-853	65	71	42	42	NUM
ajbmeb-853	65	72	615	615	NUM
ajbmeb-853	65	73	360	360	NUM
ajbmeb-853	65	74	534	534	NUM
ajbmeb-853	65	75	403	403	NUM
ajbmeb-853	65	76	149	149	NUM
ajbmeb-853	65	77	10	10	NUM
ajbmeb-853	65	78	hamkorbank	hamkorbank	NOUN
ajbmeb-853	65	79	113	113	NUM
ajbmeb-853	65	80	042	042	NUM
ajbmeb-853	65	81	1	1	NUM
ajbmeb-853	65	82	369	369	NUM
ajbmeb-853	65	83	719	719	NUM
ajbmeb-853	65	84	1	1	NUM
ajbmeb-853	65	85	482	482	NUM
ajbmeb-853	65	86	761	761	NUM
ajbmeb-853	65	87	11	11	NUM
ajbmeb-853	65	88	asaka	asaka	ADJ
ajbmeb-853	65	89	bank	bank	NOUN
ajbmeb-853	65	90	36	36	NUM
ajbmeb-853	65	91	514	514	NUM
ajbmeb-853	65	92	976	976	NUM
ajbmeb-853	65	93	482	482	NUM
ajbmeb-853	65	94	1	1	NUM
ajbmeb-853	65	95	012	012	NUM
ajbmeb-853	65	96	996	996	NUM
ajbmeb-853	65	97	12	12	NUM
ajbmeb-853	65	98	ipak	ipak	PROPN
ajbmeb-853	65	99	yuli	yuli	PROPN
ajbmeb-853	65	100	bank	bank	PROPN
ajbmeb-853	65	101	53	53	NUM
ajbmeb-853	65	102	162	162	NUM
ajbmeb-853	65	103	1	1	NUM
ajbmeb-853	65	104	665	665	NUM
ajbmeb-853	65	105	731	731	NUM
ajbmeb-853	65	106	1	1	NUM
ajbmeb-853	65	107	718	718	NUM
ajbmeb-853	65	108	893	893	NUM
ajbmeb-853	65	109	remote	remote	ADJ
ajbmeb-853	65	110	banking	banking	NOUN
ajbmeb-853	65	111	services	service	NOUN
ajbmeb-853	65	112	are	be	AUX
ajbmeb-853	65	113	provided	provide	VERB
ajbmeb-853	65	114	in	in	ADP
ajbmeb-853	65	115	the	the	DET
ajbmeb-853	65	116	segment	segment	NOUN
ajbmeb-853	65	117	of	of	ADP
ajbmeb-853	65	118	legal	legal	ADJ
ajbmeb-853	65	119	entities	entity	NOUN
ajbmeb-853	65	120	and	and	CCONJ
ajbmeb-853	65	121	private	private	ADJ
ajbmeb-853	65	122	entities	entity	NOUN
ajbmeb-853	65	123	,	,	PUNCT
ajbmeb-853	65	124	as	as	ADV
ajbmeb-853	65	125	well	well	ADV
ajbmeb-853	65	126	as	as	ADP
ajbmeb-853	65	127	individuals	individual	NOUN
ajbmeb-853	65	128	.	.	PUNCT
ajbmeb-853	66	1	tif	tif	PROPN
ajbmeb-853	66	2	national	national	PROPN
ajbmeb-853	66	3	bank	bank	PROPN
ajbmeb-853	66	4	,	,	PUNCT
ajbmeb-853	66	5	agrobank	agrobank	VERB
ajbmeb-853	66	6	,	,	PUNCT
ajbmeb-853	66	7	people	people	NOUN
ajbmeb-853	66	8	’s	’s	PART
ajbmeb-853	66	9	bank	bank	NOUN
ajbmeb-853	66	10	,	,	PUNCT
ajbmeb-853	66	11	ipoteka	ipoteka	PROPN
ajbmeb-853	66	12	-	-	PUNCT
ajbmeb-853	66	13	bank	bank	PROPN
ajbmeb-853	66	14	and	and	CCONJ
ajbmeb-853	66	15	uzbek	uzbek	PROPN
ajbmeb-853	66	16	industrial	industrial	ADJ
ajbmeb-853	66	17	and	and	CCONJ
ajbmeb-853	66	18	construction	construction	PROPN
ajbmeb-853	66	19	bank	bank	NOUN
ajbmeb-853	66	20	have	have	VERB
ajbmeb-853	66	21	an	an	DET
ajbmeb-853	66	22	incomparable	incomparable	ADJ
ajbmeb-853	66	23	share	share	NOUN
ajbmeb-853	66	24	in	in	ADP
ajbmeb-853	66	25	the	the	DET
ajbmeb-853	66	26	total	total	ADJ
ajbmeb-853	66	27	number	number	NOUN
ajbmeb-853	66	28	of	of	ADP
ajbmeb-853	66	29	mazur	mazur	PROPN
ajbmeb-853	66	30	system	system	NOUN
ajbmeb-853	66	31	users	user	NOUN
ajbmeb-853	66	32	,	,	PUNCT
ajbmeb-853	66	33	their	their	PRON
ajbmeb-853	66	34	combined	combine	VERB
ajbmeb-853	66	35	share	share	NOUN
ajbmeb-853	66	36	is	be	AUX
ajbmeb-853	66	37	almost	almost	ADV
ajbmeb-853	66	38	50	50	NUM
ajbmeb-853	66	39	percent	percent	NOUN
ajbmeb-853	66	40	.	.	PUNCT
ajbmeb-853	67	1	now	now	ADV
ajbmeb-853	67	2	let	let	VERB
ajbmeb-853	67	3	’s	’s	NOUN
ajbmeb-853	67	4	get	get	AUX
ajbmeb-853	67	5	acquainted	acquaint	VERB
ajbmeb-853	67	6	with	with	ADP
ajbmeb-853	67	7	the	the	DET
ajbmeb-853	67	8	systems	system	NOUN
ajbmeb-853	67	9	of	of	ADP
ajbmeb-853	67	10	remote	remote	ADJ
ajbmeb-853	67	11	servicing	servicing	NOUN
ajbmeb-853	67	12	of	of	ADP
ajbmeb-853	67	13	bank	bank	NOUN
ajbmeb-853	67	14	accounts	account	NOUN
ajbmeb-853	67	15	,	,	PUNCT
ajbmeb-853	67	16	remote	remote	ADJ
ajbmeb-853	67	17	servicing	servicing	NOUN
ajbmeb-853	67	18	of	of	ADP
ajbmeb-853	67	19	accounts	account	NOUN
ajbmeb-853	67	20	these	these	PRON
ajbmeb-853	67	21	are	be	AUX
ajbmeb-853	67	22	the	the	DET
ajbmeb-853	67	23	technologies	technology	NOUN
ajbmeb-853	67	24	of	of	ADP
ajbmeb-853	67	25	providing	provide	VERB
ajbmeb-853	67	26	banking	banking	NOUN
ajbmeb-853	67	27	services	service	NOUN
ajbmeb-853	67	28	on	on	ADP
ajbmeb-853	67	29	the	the	DET
ajbmeb-853	67	30	basis	basis	NOUN
ajbmeb-853	67	31	of	of	ADP
ajbmeb-853	67	32	remote	remote	ADJ
ajbmeb-853	67	33	instructions	instruction	NOUN
ajbmeb-853	67	34	(	(	PUNCT
ajbmeb-853	67	35	without	without	ADP
ajbmeb-853	67	36	visiting	visit	VERB
ajbmeb-853	67	37	the	the	DET
ajbmeb-853	67	38	bank	bank	NOUN
ajbmeb-853	67	39	)	)	PUNCT
ajbmeb-853	67	40	.	.	PUNCT
ajbmeb-853	68	1	it	it	PRON
ajbmeb-853	68	2	is	be	AUX
ajbmeb-853	68	3	mainly	mainly	ADV
ajbmeb-853	68	4	done	do	VERB
ajbmeb-853	68	5	through	through	ADP
ajbmeb-853	68	6	computer	computer	NOUN
ajbmeb-853	68	7	and	and	CCONJ
ajbmeb-853	68	8	telephone	telephone	NOUN
ajbmeb-853	68	9	networks	network	NOUN
ajbmeb-853	68	10	.	.	PUNCT
ajbmeb-853	69	1	there	there	PRON
ajbmeb-853	69	2	are	be	VERB
ajbmeb-853	69	3	several	several	ADJ
ajbmeb-853	69	4	types	type	NOUN
ajbmeb-853	69	5	of	of	ADP
ajbmeb-853	69	6	remote	remote	ADJ
ajbmeb-853	69	7	accounts	account	NOUN
ajbmeb-853	69	8	for	for	ADP
ajbmeb-853	69	9	bank	bank	NOUN
ajbmeb-853	69	10	accounts	account	NOUN
ajbmeb-853	69	11	:	:	PUNCT
ajbmeb-853	69	12	bank	bank	NOUN
ajbmeb-853	69	13	-	-	PUNCT
ajbmeb-853	69	14	client	client	PROPN
ajbmeb-853	69	15	is	be	AUX
ajbmeb-853	69	16	a	a	DET
ajbmeb-853	69	17	computer	computer	NOUN
ajbmeb-853	69	18	-	-	PUNCT
ajbmeb-853	69	19	based	base	VERB
ajbmeb-853	69	20	system	system	NOUN
ajbmeb-853	69	21	in	in	ADP
ajbmeb-853	69	22	which	which	PRON
ajbmeb-853	69	23	a	a	DET
ajbmeb-853	69	24	special	special	ADJ
ajbmeb-853	69	25	program	program	NOUN
ajbmeb-853	69	26	is	be	AUX
ajbmeb-853	69	27	installed	instal	VERB
ajbmeb-853	69	28	on	on	ADP
ajbmeb-853	69	29	the	the	DET
ajbmeb-853	69	30	client	client	NOUN
ajbmeb-853	69	31	’s	’s	PART
ajbmeb-853	69	32	computer	computer	NOUN
ajbmeb-853	69	33	.	.	PUNCT
ajbmeb-853	70	1	this	this	DET
ajbmeb-853	70	2	program	program	NOUN
ajbmeb-853	70	3	stores	store	NOUN
ajbmeb-853	70	4	all	all	DET
ajbmeb-853	70	5	customer	customer	NOUN
ajbmeb-853	70	6	data	datum	NOUN
ajbmeb-853	70	7	on	on	ADP
ajbmeb-853	70	8	the	the	DET
ajbmeb-853	70	9	computer	computer	NOUN
ajbmeb-853	70	10	(	(	PUNCT
ajbmeb-853	70	11	mainly	mainly	ADV
ajbmeb-853	70	12	payment	payment	NOUN
ajbmeb-853	70	13	documents	document	NOUN
ajbmeb-853	70	14	and	and	CCONJ
ajbmeb-853	70	15	statements	statement	NOUN
ajbmeb-853	70	16	from	from	ADP
ajbmeb-853	70	17	accounts	account	NOUN
ajbmeb-853	70	18	)	)	PUNCT
ajbmeb-853	70	19	.	.	PUNCT
ajbmeb-853	71	1	there	there	PRON
ajbmeb-853	71	2	is	be	VERB
ajbmeb-853	71	3	a	a	DET
ajbmeb-853	71	4	direct	direct	ADJ
ajbmeb-853	71	5	connection	connection	NOUN
ajbmeb-853	71	6	between	between	ADP
ajbmeb-853	71	7	the	the	DET
ajbmeb-853	71	8	bank	bank	NOUN
ajbmeb-853	71	9	and	and	CCONJ
ajbmeb-853	71	10	the	the	DET
ajbmeb-853	71	11	client	client	NOUN
ajbmeb-853	71	12	’s	’s	PART
ajbmeb-853	71	13	computer	computer	NOUN
ajbmeb-853	71	14	via	via	ADP
ajbmeb-853	71	15	a	a	DET
ajbmeb-853	71	16	modem	modem	NOUN
ajbmeb-853	71	17	.	.	PUNCT
ajbmeb-853	72	1	internet	internet	NOUN
ajbmeb-853	72	2	-	-	PUNCT
ajbmeb-853	72	3	banking	banking	NOUN
ajbmeb-853	72	4	is	be	AUX
ajbmeb-853	72	5	a	a	DET
ajbmeb-853	72	6	system	system	NOUN
ajbmeb-853	72	7	that	that	PRON
ajbmeb-853	72	8	gives	give	VERB
ajbmeb-853	72	9	customers	customer	NOUN
ajbmeb-853	72	10	the	the	DET
ajbmeb-853	72	11	right	right	NOUN
ajbmeb-853	72	12	to	to	PART
ajbmeb-853	72	13	manage	manage	VERB
ajbmeb-853	72	14	their	their	PRON
ajbmeb-853	72	15	deposit	deposit	NOUN
ajbmeb-853	72	16	american	american	ADJ
ajbmeb-853	72	17	journal	journal	PROPN
ajbmeb-853	72	18	of	of	ADP
ajbmeb-853	72	19	business	business	NOUN
ajbmeb-853	72	20	management	management	NOUN
ajbmeb-853	72	21	,	,	PUNCT
ajbmeb-853	72	22	economics	economic	NOUN
ajbmeb-853	72	23	and	and	CCONJ
ajbmeb-853	72	24	banking	banking	NOUN
ajbmeb-853	72	25	volume	volume	NOUN
ajbmeb-853	72	26	12	12	NUM
ajbmeb-853	72	27	may	may	PROPN
ajbmeb-853	72	28	,	,	PUNCT
ajbmeb-853	72	29	2023	2023	NUM
ajbmeb-853	72	30	p	p	NOUN
ajbmeb-853	72	31	a	a	DET
ajbmeb-853	72	32	g	g	NOUN
ajbmeb-853	72	33	e	e	NOUN
ajbmeb-853	72	34	|	|	ADV
ajbmeb-853	72	35	124	124	NUM
ajbmeb-853	72	36	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-853	72	37	accounts	account	NOUN
ajbmeb-853	72	38	,	,	PUNCT
ajbmeb-853	72	39	including	include	VERB
ajbmeb-853	72	40	accounts	account	NOUN
ajbmeb-853	72	41	opened	open	VERB
ajbmeb-853	72	42	with	with	ADP
ajbmeb-853	72	43	plastic	plastic	ADJ
ajbmeb-853	72	44	cards	card	NOUN
ajbmeb-853	72	45	,	,	PUNCT
ajbmeb-853	72	46	via	via	ADP
ajbmeb-853	72	47	the	the	DET
ajbmeb-853	72	48	internet	internet	NOUN
ajbmeb-853	72	49	.	.	PUNCT
ajbmeb-853	73	1	this	this	DET
ajbmeb-853	73	2	type	type	NOUN
ajbmeb-853	73	3	of	of	ADP
ajbmeb-853	73	4	service	service	NOUN
ajbmeb-853	73	5	is	be	AUX
ajbmeb-853	73	6	a	a	DET
ajbmeb-853	73	7	system	system	NOUN
ajbmeb-853	73	8	designed	design	VERB
ajbmeb-853	73	9	to	to	PART
ajbmeb-853	73	10	make	make	VERB
ajbmeb-853	73	11	real	real	ADJ
ajbmeb-853	73	12	-	-	PUNCT
ajbmeb-853	73	13	time	time	NOUN
ajbmeb-853	73	14	payments	payment	NOUN
ajbmeb-853	73	15	when	when	SCONJ
ajbmeb-853	73	16	the	the	DET
ajbmeb-853	73	17	customer	customer	NOUN
ajbmeb-853	73	18	is	be	AUX
ajbmeb-853	73	19	remotely	remotely	ADV
ajbmeb-853	73	20	connected	connect	VERB
ajbmeb-853	73	21	to	to	ADP
ajbmeb-853	73	22	the	the	DET
ajbmeb-853	73	23	bank	bank	NOUN
ajbmeb-853	73	24	.	.	PUNCT
ajbmeb-853	74	1	the	the	DET
ajbmeb-853	74	2	user	user	NOUN
ajbmeb-853	74	3	logs	log	VERB
ajbmeb-853	74	4	in	in	ADP
ajbmeb-853	74	5	through	through	ADP
ajbmeb-853	74	6	a	a	DET
ajbmeb-853	74	7	web	web	NOUN
ajbmeb-853	74	8	browser	browser	NOUN
ajbmeb-853	74	9	.	.	PUNCT
ajbmeb-853	75	1	table	table	NOUN
ajbmeb-853	75	2	4	4	NUM
ajbmeb-853	75	3	.	.	PUNCT
ajbmeb-853	76	1	information	information	NOUN
ajbmeb-853	76	2	about	about	ADP
ajbmeb-853	76	3	issued	issue	VERB
ajbmeb-853	76	4	banking	banking	NOUN
ajbmeb-853	76	5	cards	card	NOUN
ajbmeb-853	76	6	,	,	PUNCT
ajbmeb-853	76	7	pos	pos	NOUN
ajbmeb-853	76	8	-	-	PUNCT
ajbmeb-853	76	9	terminals	terminal	NOUN
ajbmeb-853	76	10	,	,	PUNCT
ajbmeb-853	76	11	atm	atm	NOUN
ajbmeb-853	76	12	’s	’s	PART
ajbmeb-853	76	13	and	and	CCONJ
ajbmeb-853	76	14	self	self	NOUN
ajbmeb-853	76	15	-	-	PUNCT
ajbmeb-853	76	16	service	service	NOUN
ajbmeb-853	76	17	kiosks	kiosk	NOUN
ajbmeb-853	76	18	as	as	ADP
ajbmeb-853	76	19	of	of	ADP
ajbmeb-853	76	20	apreily	apreily	ADV
ajbmeb-853	76	21	1	1	NUM
ajbmeb-853	76	22	,	,	PUNCT
ajbmeb-853	76	23	2023	2023	NUM
ajbmeb-853	76	24	,	,	PUNCT
ajbmeb-853	76	25	also	also	ADV
ajbmeb-853	76	26	transactions	transaction	NOUN
ajbmeb-853	76	27	carried	carry	VERB
ajbmeb-853	76	28	out	out	ADP
ajbmeb-853	76	29	through	through	ADP
ajbmeb-853	76	30	pos	pos	NOUN
ajbmeb-853	76	31	-	-	PUNCT
ajbmeb-853	76	32	terminals	terminal	NOUN
ajbmeb-853	76	33	in	in	ADP
ajbmeb-853	76	34	yanuarymarch	yanuarymarch	NOUN
ajbmeb-853	76	35	of	of	ADP
ajbmeb-853	76	36	2020	2020	NUM
ajbmeb-853	76	37	-	-	SYM
ajbmeb-853	76	38	2023	2023	NUM
ajbmeb-853	76	39	[	[	X
ajbmeb-853	76	40	10	10	NUM
ajbmeb-853	76	41	]	]	SYM
ajbmeb-853	76	42	years	year	NOUN
ajbmeb-853	76	43	number	number	NOUN
ajbmeb-853	76	44	of	of	ADP
ajbmeb-853	76	45	bank	bank	NOUN
ajbmeb-853	76	46	cards	card	NOUN
ajbmeb-853	76	47	issued	issue	VERB
ajbmeb-853	76	48	into	into	ADP
ajbmeb-853	76	49	circulation	circulation	NOUN
ajbmeb-853	76	50	number	number	NOUN
ajbmeb-853	76	51	of	of	ADP
ajbmeb-853	76	52	installed	instal	VERB
ajbmeb-853	76	53	pos	pos	NOUN
ajbmeb-853	76	54	-	-	PUNCT
ajbmeb-853	76	55	terminals	terminal	NOUN
ajbmeb-853	76	56	number	number	NOUN
ajbmeb-853	76	57	of	of	ADP
ajbmeb-853	76	58	installed	instal	VERB
ajbmeb-853	76	59	atms	atms	NOUN
ajbmeb-853	76	60	and	and	CCONJ
ajbmeb-853	76	61	self	self	NOUN
ajbmeb-853	76	62	-	-	PUNCT
ajbmeb-853	76	63	service	service	NOUN
ajbmeb-853	76	64	kiosks	kiosk	NOUN
ajbmeb-853	76	65	2023	2023	NUM
ajbmeb-853	76	66	36	36	NUM
ajbmeb-853	76	67	586	586	NUM
ajbmeb-853	76	68	822	822	NUM
ajbmeb-853	76	69	428	428	NUM
ajbmeb-853	76	70	754	754	NUM
ajbmeb-853	76	71	20	20	NUM
ajbmeb-853	76	72	617	617	NUM
ajbmeb-853	76	73	2022	2022	NUM
ajbmeb-853	76	74	27	27	NUM
ajbmeb-853	76	75	839	839	NUM
ajbmeb-853	76	76	307	307	NUM
ajbmeb-853	76	77	433	433	NUM
ajbmeb-853	76	78	986	986	NUM
ajbmeb-853	76	79	13	13	NUM
ajbmeb-853	76	80	156	156	NUM
ajbmeb-853	76	81	2021	2021	NUM
ajbmeb-853	76	82	22	22	NUM
ajbmeb-853	76	83	278	278	NUM
ajbmeb-853	76	84	917	917	NUM
ajbmeb-853	76	85	440	440	NUM
ajbmeb-853	76	86	356	356	NUM
ajbmeb-853	76	87	12	12	NUM
ajbmeb-853	76	88	289	289	NUM
ajbmeb-853	76	89	2020	2020	NUM
ajbmeb-853	76	90	21	21	NUM
ajbmeb-853	76	91	008	008	NUM
ajbmeb-853	76	92	149	149	NUM
ajbmeb-853	76	93	414	414	NUM
ajbmeb-853	76	94	551	551	NUM
ajbmeb-853	76	95	10	10	NUM
ajbmeb-853	76	96	165	165	NUM
ajbmeb-853	76	97	the	the	DET
ajbmeb-853	76	98	internet	internet	NOUN
ajbmeb-853	76	99	-	-	PUNCT
ajbmeb-853	76	100	banking	banking	NOUN
ajbmeb-853	76	101	system	system	NOUN
ajbmeb-853	76	102	will	will	AUX
ajbmeb-853	76	103	be	be	AUX
ajbmeb-853	76	104	hosted	host	VERB
ajbmeb-853	76	105	on	on	ADP
ajbmeb-853	76	106	the	the	DET
ajbmeb-853	76	107	bank	bank	NOUN
ajbmeb-853	76	108	’s	’s	PART
ajbmeb-853	76	109	web	web	NOUN
ajbmeb-853	76	110	server	server	NOUN
ajbmeb-853	76	111	.	.	PUNCT
ajbmeb-853	77	1	the	the	DET
ajbmeb-853	77	2	user	user	NOUN
ajbmeb-853	77	3	has	have	VERB
ajbmeb-853	77	4	the	the	DET
ajbmeb-853	77	5	opportunity	opportunity	NOUN
ajbmeb-853	77	6	to	to	PART
ajbmeb-853	77	7	view	view	VERB
ajbmeb-853	77	8	all	all	DET
ajbmeb-853	77	9	their	their	PRON
ajbmeb-853	77	10	information	information	NOUN
ajbmeb-853	77	11	(	(	PUNCT
ajbmeb-853	77	12	payment	payment	NOUN
ajbmeb-853	77	13	documents	document	NOUN
ajbmeb-853	77	14	and	and	CCONJ
ajbmeb-853	77	15	statements	statement	NOUN
ajbmeb-853	77	16	from	from	ADP
ajbmeb-853	77	17	accounts	account	NOUN
ajbmeb-853	77	18	)	)	PUNCT
ajbmeb-853	77	19	on	on	ADP
ajbmeb-853	77	20	the	the	DET
ajbmeb-853	77	21	bank	bank	NOUN
ajbmeb-853	77	22	’s	’s	PART
ajbmeb-853	77	23	website	website	NOUN
ajbmeb-853	77	24	.	.	PUNCT
ajbmeb-853	78	1	through	through	ADP
ajbmeb-853	78	2	the	the	DET
ajbmeb-853	78	3	internet	internet	NOUN
ajbmeb-853	78	4	-	-	PUNCT
ajbmeb-853	78	5	banking	banking	NOUN
ajbmeb-853	78	6	service	service	NOUN
ajbmeb-853	78	7	,	,	PUNCT
ajbmeb-853	78	8	the	the	DET
ajbmeb-853	78	9	client	client	NOUN
ajbmeb-853	78	10	can	can	AUX
ajbmeb-853	78	11	do	do	VERB
ajbmeb-853	78	12	it	it	PRON
ajbmeb-853	78	13	at	at	ADP
ajbmeb-853	78	14	his	his	PRON
ajbmeb-853	78	15	workplace	workplace	NOUN
ajbmeb-853	78	16	or	or	CCONJ
ajbmeb-853	78	17	in	in	ADP
ajbmeb-853	78	18	other	other	ADJ
ajbmeb-853	78	19	convenient	convenient	ADJ
ajbmeb-853	78	20	conditions	condition	NOUN
ajbmeb-853	78	21	:	:	PUNCT
ajbmeb-853	78	22	transfer	transfer	NOUN
ajbmeb-853	78	23	of	of	ADP
ajbmeb-853	78	24	payments	payment	NOUN
ajbmeb-853	78	25	;	;	PUNCT
ajbmeb-853	78	26	monitoring	monitoring	NOUN
ajbmeb-853	78	27	of	of	ADP
ajbmeb-853	78	28	payment	payment	NOUN
ajbmeb-853	78	29	stages	stage	NOUN
ajbmeb-853	78	30	;	;	PUNCT
ajbmeb-853	78	31	provides	provide	VERB
ajbmeb-853	78	32	access	access	NOUN
ajbmeb-853	78	33	to	to	ADP
ajbmeb-853	78	34	all	all	DET
ajbmeb-853	78	35	operations	operation	NOUN
ajbmeb-853	78	36	at	at	ADP
ajbmeb-853	78	37	any	any	DET
ajbmeb-853	78	38	time	time	NOUN
ajbmeb-853	78	39	,	,	PUNCT
ajbmeb-853	78	40	such	such	ADJ
ajbmeb-853	78	41	as	as	ADP
ajbmeb-853	78	42	receiving	receive	VERB
ajbmeb-853	78	43	all	all	DET
ajbmeb-853	78	44	reports	report	NOUN
ajbmeb-853	78	45	.	.	PUNCT
ajbmeb-853	79	1	through	through	ADP
ajbmeb-853	79	2	internet	internet	NOUN
ajbmeb-853	79	3	banking	banking	NOUN
ajbmeb-853	79	4	,	,	PUNCT
ajbmeb-853	79	5	the	the	DET
ajbmeb-853	79	6	client	client	NOUN
ajbmeb-853	79	7	will	will	AUX
ajbmeb-853	79	8	be	be	AUX
ajbmeb-853	79	9	able	able	ADJ
ajbmeb-853	79	10	to	to	PART
ajbmeb-853	79	11	connect	connect	VERB
ajbmeb-853	79	12	to	to	ADP
ajbmeb-853	79	13	the	the	DET
ajbmeb-853	79	14	bank	bank	NOUN
ajbmeb-853	79	15	’s	’s	PART
ajbmeb-853	79	16	website	website	NOUN
ajbmeb-853	79	17	from	from	ADP
ajbmeb-853	79	18	his	his	PRON
ajbmeb-853	79	19	workplace	workplace	NOUN
ajbmeb-853	79	20	,	,	PUNCT
ajbmeb-853	79	21	see	see	VERB
ajbmeb-853	79	22	the	the	DET
ajbmeb-853	79	23	money	money	NOUN
ajbmeb-853	79	24	coming	come	VERB
ajbmeb-853	79	25	to	to	ADP
ajbmeb-853	79	26	his	his	PRON
ajbmeb-853	79	27	account	account	NOUN
ajbmeb-853	79	28	,	,	PUNCT
ajbmeb-853	79	29	prepare	prepare	VERB
ajbmeb-853	79	30	money	money	NOUN
ajbmeb-853	79	31	transfers	transfer	NOUN
ajbmeb-853	79	32	and	and	CCONJ
ajbmeb-853	79	33	transfer	transfer	VERB
ajbmeb-853	79	34	them	they	PRON
ajbmeb-853	79	35	to	to	ADP
ajbmeb-853	79	36	the	the	DET
ajbmeb-853	79	37	bank	bank	NOUN
ajbmeb-853	79	38	.	.	PUNCT
ajbmeb-853	80	1	mobile	mobile	ADJ
ajbmeb-853	80	2	banking	banking	NOUN
ajbmeb-853	80	3	system	system	NOUN
ajbmeb-853	80	4	is	be	AUX
ajbmeb-853	80	5	based	base	VERB
ajbmeb-853	80	6	on	on	ADP
ajbmeb-853	80	7	internet	internet	NOUN
ajbmeb-853	80	8	banking	banking	NOUN
ajbmeb-853	80	9	technology	technology	NOUN
ajbmeb-853	80	10	.	.	PUNCT
ajbmeb-853	81	1	sms	sms	PROPN
ajbmeb-853	81	2	-	-	PUNCT
ajbmeb-853	81	3	banking	banking	NOUN
ajbmeb-853	81	4	is	be	AUX
ajbmeb-853	81	5	a	a	DET
ajbmeb-853	81	6	bank	bank	NOUN
ajbmeb-853	81	7	deposit	deposit	NOUN
ajbmeb-853	81	8	for	for	ADP
ajbmeb-853	81	9	customers	customer	NOUN
ajbmeb-853	81	10	is	be	AUX
ajbmeb-853	81	11	a	a	DET
ajbmeb-853	81	12	system	system	NOUN
ajbmeb-853	81	13	for	for	ADP
ajbmeb-853	81	14	receiving	receive	VERB
ajbmeb-853	81	15	information	information	NOUN
ajbmeb-853	81	16	in	in	ADP
ajbmeb-853	81	17	the	the	DET
ajbmeb-853	81	18	form	form	NOUN
ajbmeb-853	81	19	of	of	ADP
ajbmeb-853	81	20	sms	sms	PROPN
ajbmeb-853	81	21	about	about	ADP
ajbmeb-853	81	22	transactions	transaction	NOUN
ajbmeb-853	81	23	on	on	ADP
ajbmeb-853	81	24	accounts	account	NOUN
ajbmeb-853	81	25	and	and	CCONJ
ajbmeb-853	81	26	accounts	account	NOUN
ajbmeb-853	81	27	opened	open	VERB
ajbmeb-853	81	28	on	on	ADP
ajbmeb-853	81	29	plastic	plastic	ADJ
ajbmeb-853	81	30	cards	card	NOUN
ajbmeb-853	81	31	.	.	PUNCT
ajbmeb-853	82	1	to	to	PART
ajbmeb-853	82	2	get	get	VERB
ajbmeb-853	82	3	information	information	NOUN
ajbmeb-853	82	4	from	from	ADP
ajbmeb-853	82	5	the	the	DET
ajbmeb-853	82	6	account	account	NOUN
ajbmeb-853	82	7	,	,	PUNCT
ajbmeb-853	82	8	the	the	DET
ajbmeb-853	82	9	client	client	NOUN
ajbmeb-853	82	10	must	must	AUX
ajbmeb-853	82	11	send	send	VERB
ajbmeb-853	82	12	an	an	DET
ajbmeb-853	82	13	sms	sms	NOUN
ajbmeb-853	82	14	-	-	PUNCT
ajbmeb-853	82	15	request	request	NOUN
ajbmeb-853	82	16	to	to	ADP
ajbmeb-853	82	17	a	a	DET
ajbmeb-853	82	18	special	special	ADJ
ajbmeb-853	82	19	telephone	telephone	NOUN
ajbmeb-853	82	20	number	number	NOUN
ajbmeb-853	82	21	of	of	ADP
ajbmeb-853	82	22	the	the	DET
ajbmeb-853	82	23	bank	bank	NOUN
ajbmeb-853	82	24	.	.	PUNCT
ajbmeb-853	83	1	sms	sms	PROPN
ajbmeb-853	83	2	-	-	PUNCT
ajbmeb-853	83	3	banking	banking	NOUN
ajbmeb-853	83	4	service	service	NOUN
ajbmeb-853	83	5	for	for	ADP
ajbmeb-853	83	6	the	the	DET
ajbmeb-853	83	7	client	client	NOUN
ajbmeb-853	83	8	allows	allow	VERB
ajbmeb-853	83	9	you	you	PRON
ajbmeb-853	83	10	to	to	PART
ajbmeb-853	83	11	perform	perform	VERB
ajbmeb-853	83	12	the	the	DET
ajbmeb-853	83	13	following	following	ADJ
ajbmeb-853	83	14	actions	action	NOUN
ajbmeb-853	83	15	:	:	PUNCT
ajbmeb-853	83	16	funds	fund	NOUN
ajbmeb-853	83	17	received	receive	VERB
ajbmeb-853	83	18	on	on	ADP
ajbmeb-853	83	19	the	the	DET
ajbmeb-853	83	20	account	account	NOUN
ajbmeb-853	83	21	;	;	PUNCT
ajbmeb-853	83	22	expenses	expense	NOUN
ajbmeb-853	83	23	from	from	ADP
ajbmeb-853	83	24	the	the	DET
ajbmeb-853	83	25	account	account	NOUN
ajbmeb-853	83	26	;	;	PUNCT
ajbmeb-853	83	27	account	account	NOUN
ajbmeb-853	83	28	balance	balance	NOUN
ajbmeb-853	83	29	;	;	PUNCT
ajbmeb-853	83	30	will	will	AUX
ajbmeb-853	83	31	be	be	AUX
ajbmeb-853	83	32	able	able	ADJ
ajbmeb-853	83	33	to	to	PART
ajbmeb-853	83	34	receive	receive	VERB
ajbmeb-853	83	35	operational	operational	ADJ
ajbmeb-853	83	36	information	information	NOUN
ajbmeb-853	83	37	on	on	ADP
ajbmeb-853	83	38	banking	banking	NOUN
ajbmeb-853	83	39	operations	operation	NOUN
ajbmeb-853	83	40	conducted	conduct	VERB
ajbmeb-853	83	41	during	during	ADP
ajbmeb-853	83	42	the	the	DET
ajbmeb-853	83	43	day	day	NOUN
ajbmeb-853	83	44	.	.	PUNCT
ajbmeb-853	84	1	in	in	ADP
ajbmeb-853	84	2	general	general	ADJ
ajbmeb-853	84	3	,	,	PUNCT
ajbmeb-853	84	4	in	in	ADP
ajbmeb-853	84	5	essence	essence	NOUN
ajbmeb-853	84	6	,	,	PUNCT
ajbmeb-853	84	7	the	the	DET
ajbmeb-853	84	8	difference	difference	NOUN
ajbmeb-853	84	9	between	between	ADP
ajbmeb-853	84	10	traditional	traditional	ADJ
ajbmeb-853	84	11	and	and	CCONJ
ajbmeb-853	84	12	remote	remote	ADJ
ajbmeb-853	84	13	banking	banking	NOUN
ajbmeb-853	84	14	service	service	NOUN
ajbmeb-853	84	15	schemes	scheme	NOUN
ajbmeb-853	84	16	of	of	ADP
ajbmeb-853	84	17	bank	bank	NOUN
ajbmeb-853	84	18	and	and	CCONJ
ajbmeb-853	84	19	customer	customer	NOUN
ajbmeb-853	84	20	communication	communication	NOUN
ajbmeb-853	84	21	is	be	AUX
ajbmeb-853	84	22	not	not	PART
ajbmeb-853	84	23	very	very	ADV
ajbmeb-853	84	24	big	big	ADJ
ajbmeb-853	84	25	.	.	PUNCT
ajbmeb-853	85	1	american	american	ADJ
ajbmeb-853	85	2	journal	journal	PROPN
ajbmeb-853	85	3	of	of	ADP
ajbmeb-853	85	4	business	business	NOUN
ajbmeb-853	85	5	management	management	NOUN
ajbmeb-853	85	6	,	,	PUNCT
ajbmeb-853	85	7	economics	economic	NOUN
ajbmeb-853	85	8	and	and	CCONJ
ajbmeb-853	85	9	banking	banking	NOUN
ajbmeb-853	85	10	volume	volume	NOUN
ajbmeb-853	85	11	12	12	NUM
ajbmeb-853	85	12	may	may	PROPN
ajbmeb-853	85	13	,	,	PUNCT
ajbmeb-853	85	14	2023	2023	NUM
ajbmeb-853	85	15	p	p	NOUN
ajbmeb-853	85	16	a	a	PRON
ajbmeb-853	85	17	g	g	NOUN
ajbmeb-853	85	18	e	e	NOUN
ajbmeb-853	85	19	|	|	NOUN
ajbmeb-853	85	20	125	125	NUM
ajbmeb-853	85	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-853	85	22	figure	figure	NOUN
ajbmeb-853	85	23	1	1	NUM
ajbmeb-853	85	24	.	.	PUNCT
ajbmeb-853	86	1	information	information	NOUN
ajbmeb-853	86	2	about	about	ADP
ajbmeb-853	86	3	issued	issue	VERB
ajbmeb-853	86	4	banking	banking	NOUN
ajbmeb-853	86	5	cards	card	NOUN
ajbmeb-853	86	6	,	,	PUNCT
ajbmeb-853	86	7	pos	pos	NOUN
ajbmeb-853	86	8	-	-	PUNCT
ajbmeb-853	86	9	terminals	terminal	NOUN
ajbmeb-853	86	10	,	,	PUNCT
ajbmeb-853	86	11	atm	atm	NOUN
ajbmeb-853	86	12	's	's	PART
ajbmeb-853	86	13	and	and	CCONJ
ajbmeb-853	86	14	self	self	NOUN
ajbmeb-853	86	15	-	-	PUNCT
ajbmeb-853	86	16	service	service	NOUN
ajbmeb-853	86	17	kiosks	kiosk	NOUN
ajbmeb-853	86	18	as	as	ADP
ajbmeb-853	86	19	of	of	ADP
ajbmeb-853	86	20	march	march	PROPN
ajbmeb-853	86	21	1	1	NUM
ajbmeb-853	86	22	,	,	PUNCT
ajbmeb-853	86	23	2023	2023	NUM
ajbmeb-853	86	24	,	,	PUNCT
ajbmeb-853	86	25	also	also	ADV
ajbmeb-853	86	26	transactions	transaction	NOUN
ajbmeb-853	86	27	carried	carry	VERB
ajbmeb-853	86	28	out	out	ADP
ajbmeb-853	86	29	through	through	ADP
ajbmeb-853	86	30	pos	pos	NOUN
ajbmeb-853	86	31	-	-	PUNCT
ajbmeb-853	86	32	terminals	terminal	NOUN
ajbmeb-853	86	33	in	in	ADP
ajbmeb-853	86	34	yanuaryfebruary	yanuaryfebruary	NOUN
ajbmeb-853	86	35	of	of	ADP
ajbmeb-853	86	36	2023	2023	NUM
ajbmeb-853	86	37	(	(	PUNCT
ajbmeb-853	86	38	top	top	ADJ
ajbmeb-853	86	39	12	12	NUM
ajbmeb-853	86	40	banks	bank	NOUN
ajbmeb-853	86	41	)	)	PUNCT
ajbmeb-853	87	1	[	[	X
ajbmeb-853	87	2	10	10	NUM
ajbmeb-853	87	3	]	]	PUNCT
ajbmeb-853	87	4	both	both	DET
ajbmeb-853	87	5	banking	banking	NOUN
ajbmeb-853	87	6	services	service	NOUN
ajbmeb-853	87	7	and	and	CCONJ
ajbmeb-853	87	8	accounts	account	NOUN
ajbmeb-853	87	9	have	have	AUX
ajbmeb-853	87	10	remained	remain	VERB
ajbmeb-853	87	11	“	"	PUNCT
ajbmeb-853	87	12	in	in	ADP
ajbmeb-853	87	13	place	place	NOUN
ajbmeb-853	87	14	”	"	PUNCT
ajbmeb-853	87	15	,	,	PUNCT
ajbmeb-853	87	16	only	only	ADV
ajbmeb-853	87	17	the	the	DET
ajbmeb-853	87	18	type	type	NOUN
ajbmeb-853	87	19	of	of	ADP
ajbmeb-853	87	20	communication	communication	NOUN
ajbmeb-853	87	21	that	that	SCONJ
ajbmeb-853	87	22	“	"	PUNCT
ajbmeb-853	87	23	connects	connect	VERB
ajbmeb-853	87	24	”	"	PUNCT
ajbmeb-853	87	25	the	the	DET
ajbmeb-853	87	26	bank	bank	NOUN
ajbmeb-853	87	27	employee	employee	NOUN
ajbmeb-853	87	28	and	and	CCONJ
ajbmeb-853	87	29	customers	customer	NOUN
ajbmeb-853	87	30	has	have	AUX
ajbmeb-853	87	31	changed	change	VERB
ajbmeb-853	87	32	.	.	PUNCT
ajbmeb-853	88	1	that	that	PRON
ajbmeb-853	88	2	is	be	AUX
ajbmeb-853	88	3	,	,	PUNCT
ajbmeb-853	88	4	transactions	transaction	NOUN
ajbmeb-853	88	5	that	that	PRON
ajbmeb-853	88	6	can	can	AUX
ajbmeb-853	88	7	only	only	ADV
ajbmeb-853	88	8	be	be	AUX
ajbmeb-853	88	9	performed	perform	VERB
ajbmeb-853	88	10	in	in	ADP
ajbmeb-853	88	11	a	a	DET
ajbmeb-853	88	12	bank	bank	NOUN
ajbmeb-853	88	13	office	office	NOUN
ajbmeb-853	88	14	,	,	PUNCT
ajbmeb-853	88	15	now	now	ADV
ajbmeb-853	88	16	can	can	AUX
ajbmeb-853	88	17	also	also	ADV
ajbmeb-853	88	18	be	be	AUX
ajbmeb-853	88	19	done	do	VERB
ajbmeb-853	88	20	remotely	remotely	ADV
ajbmeb-853	88	21	.	.	PUNCT
ajbmeb-853	89	1	the	the	DET
ajbmeb-853	89	2	client	client	NOUN
ajbmeb-853	89	3	can	can	AUX
ajbmeb-853	89	4	“	"	PUNCT
ajbmeb-853	89	5	rest	rest	VERB
ajbmeb-853	89	6	on	on	ADP
ajbmeb-853	89	7	his	his	PRON
ajbmeb-853	89	8	feet	foot	NOUN
ajbmeb-853	89	9	”	"	PUNCT
ajbmeb-853	89	10	and	and	CCONJ
ajbmeb-853	89	11	not	not	PART
ajbmeb-853	89	12	have	have	VERB
ajbmeb-853	89	13	to	to	PART
ajbmeb-853	89	14	waste	waste	VERB
ajbmeb-853	89	15	precious	precious	ADJ
ajbmeb-853	89	16	working	working	NOUN
ajbmeb-853	89	17	time	time	NOUN
ajbmeb-853	89	18	on	on	ADP
ajbmeb-853	89	19	the	the	DET
ajbmeb-853	89	20	way	way	NOUN
ajbmeb-853	89	21	to	to	ADP
ajbmeb-853	89	22	the	the	DET
ajbmeb-853	89	23	bank	bank	NOUN
ajbmeb-853	89	24	building	building	NOUN
ajbmeb-853	89	25	,	,	PUNCT
ajbmeb-853	89	26	claiming	claim	VERB
ajbmeb-853	89	27	that	that	SCONJ
ajbmeb-853	89	28	he	he	PRON
ajbmeb-853	89	29	will	will	AUX
ajbmeb-853	89	30	perform	perform	VERB
ajbmeb-853	89	31	a	a	DET
ajbmeb-853	89	32	minute	minute	NOUN
ajbmeb-853	89	33	operation	operation	NOUN
ajbmeb-853	90	1	[	[	X
ajbmeb-853	90	2	11	11	NUM
ajbmeb-853	90	3	]	]	PUNCT
ajbmeb-853	90	4	.	.	PUNCT
ajbmeb-853	91	1	types	type	NOUN
ajbmeb-853	91	2	of	of	ADP
ajbmeb-853	91	3	remote	remote	ADJ
ajbmeb-853	91	4	banking	banking	NOUN
ajbmeb-853	91	5	services	service	NOUN
ajbmeb-853	91	6	,	,	PUNCT
ajbmeb-853	91	7	such	such	ADJ
ajbmeb-853	91	8	as	as	ADP
ajbmeb-853	91	9	customer	customer	NOUN
ajbmeb-853	91	10	banking	banking	NOUN
ajbmeb-853	91	11	,	,	PUNCT
ajbmeb-853	91	12	internet	internet	NOUN
ajbmeb-853	91	13	,	,	PUNCT
ajbmeb-853	91	14	telephone	telephone	NOUN
ajbmeb-853	91	15	or	or	CCONJ
ajbmeb-853	91	16	mobile	mobile	ADJ
ajbmeb-853	91	17	banking	banking	NOUN
ajbmeb-853	91	18	,	,	PUNCT
ajbmeb-853	91	19	despite	despite	SCONJ
ajbmeb-853	91	20	their	their	PRON
ajbmeb-853	91	21	differences	difference	NOUN
ajbmeb-853	91	22	,	,	PUNCT
ajbmeb-853	91	23	have	have	VERB
ajbmeb-853	91	24	the	the	DET
ajbmeb-853	91	25	following	follow	VERB
ajbmeb-853	91	26	common	common	ADJ
ajbmeb-853	91	27	advantages	advantage	NOUN
ajbmeb-853	91	28	over	over	ADP
ajbmeb-853	91	29	traditional	traditional	ADJ
ajbmeb-853	91	30	methods	method	NOUN
ajbmeb-853	91	31	of	of	ADP
ajbmeb-853	91	32	customer	customer	NOUN
ajbmeb-853	91	33	service	service	NOUN
ajbmeb-853	91	34	:	:	PUNCT
ajbmeb-853	91	35	•	•	NUM
ajbmeb-853	91	36	improving	improve	VERB
ajbmeb-853	91	37	the	the	DET
ajbmeb-853	91	38	quality	quality	NOUN
ajbmeb-853	91	39	of	of	ADP
ajbmeb-853	91	40	service	service	NOUN
ajbmeb-853	91	41	,	,	PUNCT
ajbmeb-853	91	42	the	the	DET
ajbmeb-853	91	43	time	time	NOUN
ajbmeb-853	91	44	limit	limit	NOUN
ajbmeb-853	91	45	will	will	AUX
ajbmeb-853	91	46	be	be	AUX
ajbmeb-853	91	47	removed	remove	VERB
ajbmeb-853	91	48	through	through	ADP
ajbmeb-853	91	49	the	the	DET
ajbmeb-853	91	50	remote	remote	ADJ
ajbmeb-853	91	51	banking	banking	NOUN
ajbmeb-853	91	52	service	service	NOUN
ajbmeb-853	91	53	,	,	PUNCT
ajbmeb-853	91	54	ie	ie	CCONJ
ajbmeb-853	91	55	the	the	DET
ajbmeb-853	91	56	customer	customer	NOUN
ajbmeb-853	91	57	will	will	AUX
ajbmeb-853	91	58	be	be	AUX
ajbmeb-853	91	59	able	able	ADJ
ajbmeb-853	91	60	to	to	PART
ajbmeb-853	91	61	manage	manage	VERB
ajbmeb-853	91	62	their	their	PRON
ajbmeb-853	91	63	account	account	NOUN
ajbmeb-853	91	64	seven	seven	NUM
ajbmeb-853	91	65	days	day	NOUN
ajbmeb-853	91	66	a	a	DET
ajbmeb-853	91	67	week	week	NOUN
ajbmeb-853	91	68	,	,	PUNCT
ajbmeb-853	91	69	twenty	twenty	NUM
ajbmeb-853	91	70	-	-	PUNCT
ajbmeb-853	91	71	four	four	NUM
ajbmeb-853	91	72	hours	hour	NOUN
ajbmeb-853	91	73	a	a	DET
ajbmeb-853	91	74	day	day	NOUN
ajbmeb-853	91	75	;	;	PUNCT
ajbmeb-853	91	76	•	•	ADP
ajbmeb-853	91	77	in	in	ADP
ajbmeb-853	91	78	addition	addition	NOUN
ajbmeb-853	91	79	to	to	ADP
ajbmeb-853	91	80	time	time	NOUN
ajbmeb-853	91	81	constraints	constraint	NOUN
ajbmeb-853	91	82	,	,	PUNCT
ajbmeb-853	91	83	the	the	DET
ajbmeb-853	91	84	customer	customer	NOUN
ajbmeb-853	91	85	’s	’s	PART
ajbmeb-853	91	86	geographical	geographical	ADJ
ajbmeb-853	91	87	location	location	NOUN
ajbmeb-853	91	88	is	be	AUX
ajbmeb-853	91	89	also	also	ADV
ajbmeb-853	91	90	ignored	ignore	VERB
ajbmeb-853	91	91	.	.	PUNCT
ajbmeb-853	92	1	5	5	X
ajbmeb-853	92	2	.	.	X
ajbmeb-853	92	3	conclusions	conclusion	NOUN
ajbmeb-853	92	4	and	and	CCONJ
ajbmeb-853	92	5	suggestions	suggestion	NOUN
ajbmeb-853	92	6	as	as	ADP
ajbmeb-853	92	7	a	a	DET
ajbmeb-853	92	8	result	result	NOUN
ajbmeb-853	92	9	of	of	ADP
ajbmeb-853	92	10	the	the	DET
ajbmeb-853	92	11	analysis	analysis	NOUN
ajbmeb-853	92	12	of	of	ADP
ajbmeb-853	92	13	the	the	DET
ajbmeb-853	92	14	prospects	prospect	NOUN
ajbmeb-853	92	15	for	for	ADP
ajbmeb-853	92	16	the	the	DET
ajbmeb-853	92	17	development	development	NOUN
ajbmeb-853	92	18	of	of	ADP
ajbmeb-853	92	19	remote	remote	ADJ
ajbmeb-853	92	20	banking	banking	NOUN
ajbmeb-853	92	21	services	service	NOUN
ajbmeb-853	92	22	in	in	ADP
ajbmeb-853	92	23	uzbekistan	uzbekistan	PROPN
ajbmeb-853	92	24	,	,	PUNCT
ajbmeb-853	92	25	the	the	DET
ajbmeb-853	92	26	following	follow	VERB
ajbmeb-853	92	27	proposals	proposal	NOUN
ajbmeb-853	92	28	and	and	CCONJ
ajbmeb-853	92	29	recommendations	recommendation	NOUN
ajbmeb-853	92	30	were	be	AUX
ajbmeb-853	92	31	developed	develop	VERB
ajbmeb-853	92	32	:	:	PUNCT
ajbmeb-853	93	1	1	1	X
ajbmeb-853	93	2	.	.	X
ajbmeb-853	93	3	each	each	DET
ajbmeb-853	93	4	commercial	commercial	ADJ
ajbmeb-853	93	5	bank	bank	NOUN
ajbmeb-853	93	6	should	should	AUX
ajbmeb-853	93	7	develop	develop	VERB
ajbmeb-853	93	8	its	its	PRON
ajbmeb-853	93	9	own	own	ADJ
ajbmeb-853	93	10	strategic	strategic	ADJ
ajbmeb-853	93	11	program	program	NOUN
ajbmeb-853	93	12	for	for	ADP
ajbmeb-853	93	13	the	the	DET
ajbmeb-853	93	14	development	development	NOUN
ajbmeb-853	93	15	of	of	ADP
ajbmeb-853	93	16	remote	remote	ADJ
ajbmeb-853	93	17	banking	banking	NOUN
ajbmeb-853	93	18	services	service	NOUN
ajbmeb-853	93	19	in	in	ADP
ajbmeb-853	93	20	commercial	commercial	ADJ
ajbmeb-853	93	21	banks	bank	NOUN
ajbmeb-853	93	22	,	,	PUNCT
ajbmeb-853	93	23	the	the	DET
ajbmeb-853	93	24	development	development	NOUN
ajbmeb-853	93	25	of	of	ADP
ajbmeb-853	93	26	a	a	DET
ajbmeb-853	93	27	remote	remote	ADJ
ajbmeb-853	93	28	customer	customer	NOUN
ajbmeb-853	93	29	service	service	NOUN
ajbmeb-853	93	30	system	system	NOUN
ajbmeb-853	93	31	.	.	PUNCT
ajbmeb-853	94	1	in	in	ADP
ajbmeb-853	94	2	this	this	DET
ajbmeb-853	94	3	program	program	NOUN
ajbmeb-853	94	4	,	,	PUNCT
ajbmeb-853	94	5	it	it	PRON
ajbmeb-853	94	6	will	will	AUX
ajbmeb-853	94	7	be	be	AUX
ajbmeb-853	94	8	necessary	necessary	ADJ
ajbmeb-853	94	9	to	to	PART
ajbmeb-853	94	10	develop	develop	VERB
ajbmeb-853	94	11	a	a	DET
ajbmeb-853	94	12	road	road	NOUN
ajbmeb-853	94	13	map	map	NOUN
ajbmeb-853	94	14	for	for	ADP
ajbmeb-853	94	15	the	the	DET
ajbmeb-853	94	16	step	step	NOUN
ajbmeb-853	94	17	-	-	PUNCT
ajbmeb-853	94	18	by	by	ADP
ajbmeb-853	94	19	-	-	PUNCT
ajbmeb-853	94	20	step	step	NOUN
ajbmeb-853	94	21	transfer	transfer	NOUN
ajbmeb-853	94	22	of	of	ADP
ajbmeb-853	94	23	all	all	DET
ajbmeb-853	94	24	types	type	NOUN
ajbmeb-853	94	25	of	of	ADP
ajbmeb-853	94	26	services	service	NOUN
ajbmeb-853	94	27	to	to	PART
ajbmeb-853	94	28	remote	remote	VERB
ajbmeb-853	94	29	and	and	CCONJ
ajbmeb-853	94	30	online	online	ADJ
ajbmeb-853	94	31	mode	mode	NOUN
ajbmeb-853	94	32	.	.	PUNCT
ajbmeb-853	95	1	in	in	ADP
ajbmeb-853	95	2	this	this	DET
ajbmeb-853	95	3	road	road	NOUN
ajbmeb-853	95	4	map	map	NOUN
ajbmeb-853	95	5	,	,	PUNCT
ajbmeb-853	95	6	it	it	PRON
ajbmeb-853	95	7	is	be	AUX
ajbmeb-853	95	8	necessary	necessary	ADJ
ajbmeb-853	95	9	to	to	PART
ajbmeb-853	95	10	mention	mention	VERB
ajbmeb-853	95	11	the	the	DET
ajbmeb-853	95	12	source	source	NOUN
ajbmeb-853	95	13	of	of	ADP
ajbmeb-853	95	14	financing	financing	NOUN
ajbmeb-853	95	15	of	of	ADP
ajbmeb-853	95	16	the	the	DET
ajbmeb-853	95	17	american	american	ADJ
ajbmeb-853	95	18	journal	journal	PROPN
ajbmeb-853	95	19	of	of	ADP
ajbmeb-853	95	20	business	business	NOUN
ajbmeb-853	95	21	management	management	NOUN
ajbmeb-853	95	22	,	,	PUNCT
ajbmeb-853	95	23	economics	economic	NOUN
ajbmeb-853	95	24	and	and	CCONJ
ajbmeb-853	95	25	banking	banking	NOUN
ajbmeb-853	95	26	volume	volume	NOUN
ajbmeb-853	95	27	12	12	NUM
ajbmeb-853	95	28	may	may	PROPN
ajbmeb-853	95	29	,	,	PUNCT
ajbmeb-853	95	30	2023	2023	NUM
ajbmeb-853	95	31	p	p	NOUN
ajbmeb-853	95	32	a	a	DET
ajbmeb-853	95	33	g	g	NOUN
ajbmeb-853	95	34	e	e	NOUN
ajbmeb-853	95	35	|	|	ADV
ajbmeb-853	95	36	126	126	NUM
ajbmeb-853	95	37	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-853	95	38	tasks	task	NOUN
ajbmeb-853	95	39	,	,	PUNCT
ajbmeb-853	95	40	the	the	DET
ajbmeb-853	95	41	implementation	implementation	NOUN
ajbmeb-853	95	42	period	period	NOUN
ajbmeb-853	95	43	,	,	PUNCT
ajbmeb-853	95	44	the	the	DET
ajbmeb-853	95	45	department	department	NOUN
ajbmeb-853	95	46	responsible	responsible	ADJ
ajbmeb-853	95	47	for	for	ADP
ajbmeb-853	95	48	implementation	implementation	NOUN
ajbmeb-853	95	49	,	,	PUNCT
ajbmeb-853	95	50	and	and	CCONJ
ajbmeb-853	95	51	the	the	DET
ajbmeb-853	95	52	project	project	NOUN
ajbmeb-853	95	53	launch	launch	NOUN
ajbmeb-853	95	54	period	period	NOUN
ajbmeb-853	95	55	.	.	PUNCT
ajbmeb-853	96	1	2	2	X
ajbmeb-853	96	2	.	.	X
ajbmeb-853	96	3	currently	currently	ADV
ajbmeb-853	96	4	,	,	PUNCT
ajbmeb-853	96	5	the	the	DET
ajbmeb-853	96	6	types	type	NOUN
ajbmeb-853	96	7	of	of	ADP
ajbmeb-853	96	8	services	service	NOUN
ajbmeb-853	96	9	provided	provide	VERB
ajbmeb-853	96	10	remotely	remotely	ADV
ajbmeb-853	96	11	by	by	ADP
ajbmeb-853	96	12	commercial	commercial	ADJ
ajbmeb-853	96	13	banks	bank	NOUN
ajbmeb-853	96	14	include	include	VERB
ajbmeb-853	96	15	utility	utility	NOUN
ajbmeb-853	96	16	and	and	CCONJ
ajbmeb-853	96	17	other	other	ADJ
ajbmeb-853	96	18	payments	payment	NOUN
ajbmeb-853	96	19	,	,	PUNCT
ajbmeb-853	96	20	card	card	NOUN
ajbmeb-853	96	21	-	-	PUNCT
ajbmeb-853	96	22	to	to	ADP
ajbmeb-853	96	23	-	-	PUNCT
ajbmeb-853	96	24	card	card	NOUN
ajbmeb-853	96	25	money	money	NOUN
ajbmeb-853	96	26	transfers	transfer	NOUN
ajbmeb-853	96	27	,	,	PUNCT
ajbmeb-853	96	28	online	online	ADJ
ajbmeb-853	96	29	conversion	conversion	NOUN
ajbmeb-853	96	30	,	,	PUNCT
ajbmeb-853	96	31	online	online	ADJ
ajbmeb-853	96	32	deposit	deposit	NOUN
ajbmeb-853	96	33	services	service	NOUN
ajbmeb-853	96	34	,	,	PUNCT
ajbmeb-853	96	35	as	as	ADV
ajbmeb-853	96	36	well	well	ADV
ajbmeb-853	96	37	as	as	ADP
ajbmeb-853	96	38	retail	retail	ADJ
ajbmeb-853	96	39	lending	lending	NOUN
ajbmeb-853	96	40	services	service	NOUN
ajbmeb-853	96	41	in	in	ADP
ajbmeb-853	96	42	some	some	DET
ajbmeb-853	96	43	banks	bank	NOUN
ajbmeb-853	96	44	.	.	PUNCT
ajbmeb-853	97	1	and	and	CCONJ
ajbmeb-853	97	2	their	their	PRON
ajbmeb-853	97	3	type	type	NOUN
ajbmeb-853	97	4	at	at	ADP
ajbmeb-853	97	5	the	the	DET
ajbmeb-853	97	6	next	next	ADJ
ajbmeb-853	97	7	stage	stage	NOUN
ajbmeb-853	97	8	increase	increase	NOUN
ajbmeb-853	97	9	is	be	AUX
ajbmeb-853	97	10	desirable	desirable	ADJ
ajbmeb-853	97	11	.	.	PUNCT
ajbmeb-853	98	1	in	in	ADP
ajbmeb-853	98	2	particular	particular	ADJ
ajbmeb-853	98	3	,	,	PUNCT
ajbmeb-853	98	4	these	these	PRON
ajbmeb-853	98	5	include	include	VERB
ajbmeb-853	98	6	sending	send	VERB
ajbmeb-853	98	7	and	and	CCONJ
ajbmeb-853	98	8	receiving	receive	VERB
ajbmeb-853	98	9	funds	fund	NOUN
ajbmeb-853	98	10	abroad	abroad	ADV
ajbmeb-853	98	11	through	through	ADP
ajbmeb-853	98	12	integration	integration	NOUN
ajbmeb-853	98	13	into	into	ADP
ajbmeb-853	98	14	international	international	ADJ
ajbmeb-853	98	15	money	money	NOUN
ajbmeb-853	98	16	transfers	transfer	NOUN
ajbmeb-853	98	17	,	,	PUNCT
ajbmeb-853	98	18	including	include	VERB
ajbmeb-853	98	19	the	the	DET
ajbmeb-853	98	20	service	service	NOUN
ajbmeb-853	98	21	of	of	ADP
ajbmeb-853	98	22	virtual	virtual	ADJ
ajbmeb-853	98	23	emission	emission	NOUN
ajbmeb-853	98	24	of	of	ADP
ajbmeb-853	98	25	plastic	plastic	ADJ
ajbmeb-853	98	26	cards	card	NOUN
ajbmeb-853	98	27	.	.	PUNCT
ajbmeb-853	99	1	3	3	X
ajbmeb-853	99	2	.	.	X
ajbmeb-853	99	3	it	it	PRON
ajbmeb-853	99	4	is	be	AUX
ajbmeb-853	99	5	natural	natural	ADJ
ajbmeb-853	99	6	that	that	SCONJ
ajbmeb-853	99	7	the	the	DET
ajbmeb-853	99	8	development	development	NOUN
ajbmeb-853	99	9	of	of	ADP
ajbmeb-853	99	10	remote	remote	ADJ
ajbmeb-853	99	11	banking	banking	NOUN
ajbmeb-853	99	12	services	service	NOUN
ajbmeb-853	99	13	creates	create	VERB
ajbmeb-853	99	14	the	the	DET
ajbmeb-853	99	15	need	need	NOUN
ajbmeb-853	99	16	to	to	PART
ajbmeb-853	99	17	identify	identify	VERB
ajbmeb-853	99	18	customers	customer	NOUN
ajbmeb-853	99	19	.	.	PUNCT
ajbmeb-853	100	1	taking	take	VERB
ajbmeb-853	100	2	this	this	PRON
ajbmeb-853	100	3	into	into	ADP
ajbmeb-853	100	4	account	account	NOUN
ajbmeb-853	100	5	,	,	PUNCT
ajbmeb-853	100	6	it	it	PRON
ajbmeb-853	100	7	would	would	AUX
ajbmeb-853	100	8	be	be	AUX
ajbmeb-853	100	9	appropriate	appropriate	ADJ
ajbmeb-853	100	10	to	to	PART
ajbmeb-853	100	11	create	create	VERB
ajbmeb-853	100	12	opportunities	opportunity	NOUN
ajbmeb-853	100	13	for	for	ADP
ajbmeb-853	100	14	integration	integration	NOUN
ajbmeb-853	100	15	of	of	ADP
ajbmeb-853	100	16	all	all	DET
ajbmeb-853	100	17	mobile	mobile	ADJ
ajbmeb-853	100	18	banking	banking	NOUN
ajbmeb-853	100	19	services	service	NOUN
ajbmeb-853	100	20	from	from	ADP
ajbmeb-853	100	21	the	the	DET
ajbmeb-853	100	22	database	database	NOUN
ajbmeb-853	100	23	of	of	ADP
ajbmeb-853	100	24	the	the	DET
ajbmeb-853	100	25	ministry	ministry	PROPN
ajbmeb-853	100	26	of	of	ADP
ajbmeb-853	100	27	internal	internal	PROPN
ajbmeb-853	100	28	affairs	affair	NOUN
ajbmeb-853	100	29	in	in	ADP
ajbmeb-853	100	30	the	the	DET
ajbmeb-853	100	31	event	event	NOUN
ajbmeb-853	100	32	of	of	ADP
ajbmeb-853	100	33	the	the	DET
ajbmeb-853	100	34	need	need	NOUN
ajbmeb-853	100	35	to	to	PART
ajbmeb-853	100	36	identify	identify	VERB
ajbmeb-853	100	37	an	an	DET
ajbmeb-853	100	38	employee	employee	NOUN
ajbmeb-853	100	39	when	when	SCONJ
ajbmeb-853	100	40	providing	provide	VERB
ajbmeb-853	100	41	customer	customer	NOUN
ajbmeb-853	100	42	service	service	NOUN
ajbmeb-853	100	43	.	.	PUNCT
ajbmeb-853	101	1	4	4	X
ajbmeb-853	101	2	.	.	NUM
ajbmeb-853	101	3	developed	develop	VERB
ajbmeb-853	101	4	countries	country	NOUN
ajbmeb-853	101	5	have	have	VERB
ajbmeb-853	101	6	many	many	ADJ
ajbmeb-853	101	7	years	year	NOUN
ajbmeb-853	101	8	of	of	ADP
ajbmeb-853	101	9	experience	experience	NOUN
ajbmeb-853	101	10	in	in	ADP
ajbmeb-853	101	11	introducing	introduce	VERB
ajbmeb-853	101	12	,	,	PUNCT
ajbmeb-853	101	13	developing	develop	VERB
ajbmeb-853	101	14	and	and	CCONJ
ajbmeb-853	101	15	improving	improve	VERB
ajbmeb-853	101	16	the	the	DET
ajbmeb-853	101	17	system	system	NOUN
ajbmeb-853	101	18	of	of	ADP
ajbmeb-853	101	19	cashless	cashless	NOUN
ajbmeb-853	101	20	payments	payment	NOUN
ajbmeb-853	101	21	based	base	VERB
ajbmeb-853	101	22	on	on	ADP
ajbmeb-853	101	23	innovation	innovation	NOUN
ajbmeb-853	101	24	and	and	CCONJ
ajbmeb-853	101	25	digital	digital	ADJ
ajbmeb-853	101	26	technology	technology	NOUN
ajbmeb-853	101	27	.	.	PUNCT
ajbmeb-853	102	1	in	in	ADP
ajbmeb-853	102	2	addition	addition	NOUN
ajbmeb-853	102	3	,	,	PUNCT
ajbmeb-853	102	4	an	an	DET
ajbmeb-853	102	5	analysis	analysis	NOUN
ajbmeb-853	102	6	of	of	ADP
ajbmeb-853	102	7	the	the	DET
ajbmeb-853	102	8	best	good	ADJ
ajbmeb-853	102	9	practices	practice	NOUN
ajbmeb-853	102	10	of	of	ADP
ajbmeb-853	102	11	developed	develop	VERB
ajbmeb-853	102	12	countries	country	NOUN
ajbmeb-853	102	13	shows	show	VERB
ajbmeb-853	102	14	that	that	SCONJ
ajbmeb-853	102	15	the	the	DET
ajbmeb-853	102	16	system	system	NOUN
ajbmeb-853	102	17	of	of	ADP
ajbmeb-853	102	18	cashless	cashless	NOUN
ajbmeb-853	102	19	payments	payment	NOUN
ajbmeb-853	102	20	has	have	AUX
ajbmeb-853	102	21	been	be	AUX
ajbmeb-853	102	22	improved	improve	VERB
ajbmeb-853	102	23	under	under	ADP
ajbmeb-853	102	24	the	the	DET
ajbmeb-853	102	25	influence	influence	NOUN
ajbmeb-853	102	26	of	of	ADP
ajbmeb-853	102	27	innovative	innovative	ADJ
ajbmeb-853	102	28	ideas	idea	NOUN
ajbmeb-853	102	29	and	and	CCONJ
ajbmeb-853	102	30	technologies	technology	NOUN
ajbmeb-853	102	31	[	[	X
ajbmeb-853	102	32	12	12	NUM
ajbmeb-853	102	33	]	]	PUNCT
ajbmeb-853	102	34	.	.	PUNCT
ajbmeb-853	103	1	5	5	X
ajbmeb-853	103	2	.	.	X
ajbmeb-853	103	3	in	in	ADP
ajbmeb-853	103	4	today	today	NOUN
ajbmeb-853	103	5	’s	’s	PART
ajbmeb-853	103	6	world	world	NOUN
ajbmeb-853	103	7	,	,	PUNCT
ajbmeb-853	103	8	leading	lead	VERB
ajbmeb-853	103	9	banks	bank	NOUN
ajbmeb-853	103	10	strive	strive	VERB
ajbmeb-853	103	11	to	to	PART
ajbmeb-853	103	12	endlessly	endlessly	ADV
ajbmeb-853	103	13	improve	improve	VERB
ajbmeb-853	103	14	the	the	DET
ajbmeb-853	103	15	quality	quality	NOUN
ajbmeb-853	103	16	of	of	ADP
ajbmeb-853	103	17	banking	banking	NOUN
ajbmeb-853	103	18	services	service	NOUN
ajbmeb-853	103	19	offered	offer	VERB
ajbmeb-853	103	20	while	while	SCONJ
ajbmeb-853	103	21	reducing	reduce	VERB
ajbmeb-853	103	22	the	the	DET
ajbmeb-853	103	23	cost	cost	NOUN
ajbmeb-853	103	24	of	of	ADP
ajbmeb-853	103	25	their	their	PRON
ajbmeb-853	103	26	maintenance	maintenance	NOUN
ajbmeb-853	103	27	.	.	PUNCT
ajbmeb-853	104	1	the	the	DET
ajbmeb-853	104	2	range	range	NOUN
ajbmeb-853	104	3	of	of	ADP
ajbmeb-853	104	4	banking	banking	NOUN
ajbmeb-853	104	5	and	and	CCONJ
ajbmeb-853	104	6	financial	financial	ADJ
ajbmeb-853	104	7	services	service	NOUN
ajbmeb-853	104	8	is	be	AUX
ajbmeb-853	104	9	expanding	expand	VERB
ajbmeb-853	104	10	every	every	DET
ajbmeb-853	104	11	year	year	NOUN
ajbmeb-853	104	12	,	,	PUNCT
ajbmeb-853	104	13	new	new	ADJ
ajbmeb-853	104	14	types	type	NOUN
ajbmeb-853	104	15	of	of	ADP
ajbmeb-853	104	16	products	product	NOUN
ajbmeb-853	104	17	and	and	CCONJ
ajbmeb-853	104	18	services	service	NOUN
ajbmeb-853	104	19	are	be	AUX
ajbmeb-853	104	20	constantly	constantly	ADV
ajbmeb-853	104	21	appearing	appear	VERB
ajbmeb-853	104	22	on	on	ADP
ajbmeb-853	104	23	the	the	DET
ajbmeb-853	104	24	market	market	NOUN
ajbmeb-853	104	25	.	.	PUNCT
ajbmeb-853	105	1	this	this	DET
ajbmeb-853	105	2	factor	factor	NOUN
ajbmeb-853	105	3	serves	serve	VERB
ajbmeb-853	105	4	to	to	PART
ajbmeb-853	105	5	intensify	intensify	VERB
ajbmeb-853	105	6	competition	competition	NOUN
ajbmeb-853	105	7	between	between	ADP
ajbmeb-853	105	8	banks	bank	NOUN
ajbmeb-853	105	9	for	for	ADP
ajbmeb-853	105	10	each	each	DET
ajbmeb-853	105	11	client	client	NOUN
ajbmeb-853	105	12	.	.	PUNCT
ajbmeb-853	106	1	therefore	therefore	ADV
ajbmeb-853	106	2	,	,	PUNCT
ajbmeb-853	106	3	each	each	DET
ajbmeb-853	106	4	bank	bank	NOUN
ajbmeb-853	106	5	builds	build	VERB
ajbmeb-853	106	6	its	its	PRON
ajbmeb-853	106	7	relationship	relationship	NOUN
ajbmeb-853	106	8	with	with	ADP
ajbmeb-853	106	9	the	the	DET
ajbmeb-853	106	10	client	client	NOUN
ajbmeb-853	106	11	,	,	PUNCT
ajbmeb-853	106	12	based	base	VERB
ajbmeb-853	106	13	on	on	ADP
ajbmeb-853	106	14	the	the	DET
ajbmeb-853	106	15	principles	principle	NOUN
ajbmeb-853	106	16	of	of	ADP
ajbmeb-853	106	17	partnership	partnership	NOUN
ajbmeb-853	106	18	.	.	PUNCT
ajbmeb-853	107	1	6	6	X
ajbmeb-853	107	2	.	.	X
ajbmeb-853	107	3	literatura	literatura	NOUN
ajbmeb-853	107	4	/	/	SYM
ajbmeb-853	107	5	reference	reference	NOUN
ajbmeb-853	107	6	:	:	PUNCT
ajbmeb-853	107	7	1	1	X
ajbmeb-853	107	8	.	.	X
ajbmeb-853	107	9	address	address	NOUN
ajbmeb-853	107	10	(	(	PUNCT
ajbmeb-853	107	11	2018	2018	NUM
ajbmeb-853	107	12	)	)	PUNCT
ajbmeb-853	107	13	address	address	NOUN
ajbmeb-853	107	14	of	of	ADP
ajbmeb-853	107	15	the	the	DET
ajbmeb-853	107	16	president	president	NOUN
ajbmeb-853	107	17	of	of	ADP
ajbmeb-853	107	18	the	the	DET
ajbmeb-853	107	19	republic	republic	NOUN
ajbmeb-853	107	20	of	of	ADP
ajbmeb-853	107	21	uzbekistan	uzbekistan	PROPN
ajbmeb-853	107	22	shavkat	shavkat	PROPN
ajbmeb-853	107	23	mirziyoyev	mirziyoyev	ADV
ajbmeb-853	107	24	to	to	ADP
ajbmeb-853	107	25	the	the	DET
ajbmeb-853	107	26	oliy	oliy	ADJ
ajbmeb-853	107	27	majlis	majlis	NOUN
ajbmeb-853	107	28	,	,	PUNCT
ajbmeb-853	107	29	december	december	PROPN
ajbmeb-853	107	30	3	3	NUM
ajbmeb-853	107	31	issue	issue	NOUN
ajbmeb-853	107	32	of	of	ADP
ajbmeb-853	107	33	xalq	xalq	PROPN
ajbmeb-853	107	34	sozi	sozi	PROPN
ajbmeb-853	107	35	newspaper	newspaper	NOUN
ajbmeb-853	107	36	.	.	PUNCT
ajbmeb-853	108	1	2	2	X
ajbmeb-853	108	2	.	.	X
ajbmeb-853	108	3	resolution	resolution	NOUN
ajbmeb-853	108	4	no	no	NOUN
ajbmeb-853	108	5	.	.	PROPN
ajbmeb-853	109	1	3620	3620	NUM
ajbmeb-853	109	2	of	of	ADP
ajbmeb-853	109	3	the	the	DET
ajbmeb-853	109	4	president	president	NOUN
ajbmeb-853	109	5	of	of	ADP
ajbmeb-853	109	6	the	the	DET
ajbmeb-853	109	7	republic	republic	NOUN
ajbmeb-853	109	8	of	of	ADP
ajbmeb-853	109	9	uzbekistan	uzbekistan	PROPN
ajbmeb-853	109	10	dated	date	VERB
ajbmeb-853	109	11	march	march	PROPN
ajbmeb-853	109	12	23	23	NUM
ajbmeb-853	109	13	,	,	PUNCT
ajbmeb-853	109	14	2018	2018	NUM
ajbmeb-853	109	15	“	"	PUNCT
ajbmeb-853	109	16	on	on	ADP
ajbmeb-853	109	17	additional	additional	ADJ
ajbmeb-853	109	18	measures	measure	NOUN
ajbmeb-853	109	19	to	to	PART
ajbmeb-853	109	20	increase	increase	VERB
ajbmeb-853	109	21	the	the	DET
ajbmeb-853	109	22	popularity	popularity	NOUN
ajbmeb-853	109	23	of	of	ADP
ajbmeb-853	109	24	banking	banking	NOUN
ajbmeb-853	109	25	services	service	NOUN
ajbmeb-853	109	26	”	"	PUNCT
ajbmeb-853	109	27	.	.	PUNCT
ajbmeb-853	110	1	3	3	X
ajbmeb-853	110	2	.	.	X
ajbmeb-853	110	3	spilnichenko	spilnichenko	PROPN
ajbmeb-853	110	4	v.k	v.k	PROPN
ajbmeb-853	110	5	.	.	PROPN
ajbmeb-853	110	6	transformation	transformation	NOUN
ajbmeb-853	110	7	of	of	ADP
ajbmeb-853	110	8	banking	banking	NOUN
ajbmeb-853	110	9	payment	payment	NOUN
ajbmeb-853	110	10	systems	system	NOUN
ajbmeb-853	110	11	in	in	ADP
ajbmeb-853	110	12	the	the	DET
ajbmeb-853	110	13	russian	russian	ADJ
ajbmeb-853	110	14	economy	economy	NOUN
ajbmeb-853	110	15	//	//	SYM
ajbmeb-853	110	16	economic	economic	ADJ
ajbmeb-853	110	17	journal	journal	PROPN
ajbmeb-853	110	18	.	.	PUNCT
ajbmeb-853	111	1	2012	2012	NUM
ajbmeb-853	111	2	.	.	PUNCT
ajbmeb-853	112	1	no	no	INTJ
ajbmeb-853	112	2	.	.	NOUN
ajbmeb-853	112	3	2	2	NUM
ajbmeb-853	112	4	(	(	PUNCT
ajbmeb-853	112	5	26	26	NUM
ajbmeb-853	112	6	)	)	PUNCT
ajbmeb-853	112	7	.	.	PUNCT
ajbmeb-853	113	1	4	4	X
ajbmeb-853	113	2	.	.	X
ajbmeb-853	113	3	likhodeeva	likhodeeva	PROPN
ajbmeb-853	113	4	n.	n.	PROPN
ajbmeb-853	113	5	i.	i.	PROPN
ajbmeb-853	113	6	the	the	DET
ajbmeb-853	113	7	use	use	NOUN
ajbmeb-853	113	8	of	of	ADP
ajbmeb-853	113	9	electronic	electronic	ADJ
ajbmeb-853	113	10	banking	banking	NOUN
ajbmeb-853	113	11	when	when	SCONJ
ajbmeb-853	113	12	concluding	conclude	VERB
ajbmeb-853	113	13	and	and	CCONJ
ajbmeb-853	113	14	executing	execute	VERB
ajbmeb-853	113	15	banking	banking	NOUN
ajbmeb-853	113	16	agreements	agreement	NOUN
ajbmeb-853	114	1	[	[	X
ajbmeb-853	114	2	text	text	X
ajbmeb-853	114	3	]	]	X
ajbmeb-853	114	4	/	/	SYM
ajbmeb-853	114	5	n.	n.	PROPN
ajbmeb-853	114	6	i.	i.	PROPN
ajbmeb-853	114	7	likhodeeva	likhodeeva	PROPN
ajbmeb-853	114	8	//	//	PUNCT
ajbmeb-853	114	9	legal	legal	ADJ
ajbmeb-853	114	10	work	work	NOUN
ajbmeb-853	114	11	in	in	ADP
ajbmeb-853	114	12	a	a	DET
ajbmeb-853	114	13	credit	credit	NOUN
ajbmeb-853	114	14	institution	institution	NOUN
ajbmeb-853	114	15	.	.	PUNCT
ajbmeb-853	115	1	2014	2014	NUM
ajbmeb-853	115	2	.	.	PUNCT
ajbmeb-853	116	1	no2	no2	NOUN
ajbmeb-853	116	2	.	.	PUNCT
ajbmeb-853	117	1	s.	s.	PROPN
ajbmeb-853	117	2	23	23	NUM
ajbmeb-853	117	3	-	-	SYM
ajbmeb-853	117	4	27	27	NUM
ajbmeb-853	117	5	.	.	PUNCT
ajbmeb-853	117	6	5	5	NUM
ajbmeb-853	117	7	.	.	X
ajbmeb-853	117	8	zabrodiskaya	zabrodiskaya	PROPN
ajbmeb-853	117	9	k.a	k.a	PROPN
ajbmeb-853	117	10	.	.	PROPN
ajbmeb-853	117	11	,	,	PUNCT
ajbmeb-853	117	12	zakharova	zakharova	PROPN
ajbmeb-853	117	13	a.o	a.o	PROPN
ajbmeb-853	117	14	.	.	PROPN
ajbmeb-853	117	15	fundamentals	fundamental	NOUN
ajbmeb-853	117	16	of	of	ADP
ajbmeb-853	117	17	the	the	DET
ajbmeb-853	117	18	development	development	NOUN
ajbmeb-853	117	19	of	of	ADP
ajbmeb-853	117	20	remote	remote	ADJ
ajbmeb-853	117	21	banking	banking	NOUN
ajbmeb-853	117	22	services	service	NOUN
ajbmeb-853	117	23	.	.	PUNCT
ajbmeb-853	118	1	belarusian	belarusian	ADJ
ajbmeb-853	118	2	state	state	PROPN
ajbmeb-853	118	3	economic	economic	PROPN
ajbmeb-853	118	4	university	university	NOUN
ajbmeb-853	118	5	.	.	PUNCT
ajbmeb-853	119	1	2012	2012	NUM
ajbmeb-853	119	2	57	57	NUM
ajbmeb-853	119	3	page	page	NOUN
ajbmeb-853	119	4	.	.	PUNCT
ajbmeb-853	120	1	6	6	X
ajbmeb-853	120	2	.	.	X
ajbmeb-853	120	3	shomurodov	shomurodov	PROPN
ajbmeb-853	120	4	r.	r.	PROPN
ajbmeb-853	120	5	t.	t.	PROPN
ajbmeb-853	120	6	et	et	PROPN
ajbmeb-853	120	7	al	al	PROPN
ajbmeb-853	120	8	.	.	PUNCT
ajbmeb-853	120	9	issues	issue	NOUN
ajbmeb-853	120	10	of	of	ADP
ajbmeb-853	120	11	increasing	increase	VERB
ajbmeb-853	120	12	the	the	DET
ajbmeb-853	120	13	capitalization	capitalization	NOUN
ajbmeb-853	120	14	of	of	ADP
ajbmeb-853	120	15	commercial	commercial	ADJ
ajbmeb-853	120	16	banks	bank	NOUN
ajbmeb-853	120	17	in	in	ADP
ajbmeb-853	120	18	the	the	DET
ajbmeb-853	120	19	context	context	NOUN
ajbmeb-853	120	20	of	of	ADP
ajbmeb-853	120	21	innovation	innovation	NOUN
ajbmeb-853	120	22	//	//	PUNCT
ajbmeb-853	120	23	young	young	ADJ
ajbmeb-853	120	24	scientist	scientist	NOUN
ajbmeb-853	120	25	.	.	PUNCT
ajbmeb-853	121	1	–	–	PUNCT
ajbmeb-853	121	2	2021	2021	NUM
ajbmeb-853	121	3	.	.	PUNCT
ajbmeb-853	122	1	–	–	PUNCT
ajbmeb-853	122	2	n.	n.	NOUN
ajbmeb-853	122	3	25	25	NUM
ajbmeb-853	122	4	.	.	PUNCT
ajbmeb-853	123	1	p.	p.	NOUN
ajbmeb-853	123	2	237	237	NUM
ajbmeb-853	123	3	-	-	SYM
ajbmeb-853	123	4	243	243	NUM
ajbmeb-853	123	5	.	.	PUNCT
ajbmeb-853	123	6	url	url	PROPN
ajbmeb-853	123	7	:	:	PUNCT
ajbmeb-853	123	8	https://moluch.ru/authors/131302/	https://moluch.ru/authors/131302/	NUM
ajbmeb-853	123	9	7	7	NUM
ajbmeb-853	123	10	.	.	PUNCT
ajbmeb-853	124	1	diana	diana	PROPN
ajbmeb-853	124	2	mcnaughton	mcnaughton	PROPN
ajbmeb-853	124	3	,	,	PUNCT
ajbmeb-853	124	4	chris	chris	PROPN
ajbmeb-853	124	5	barltron	barltron	PROPN
ajbmeb-853	124	6	.	.	PUNCT
ajbmeb-853	125	1	banking	banking	NOUN
ajbmeb-853	125	2	institutions	institution	NOUN
ajbmeb-853	125	3	in	in	ADP
ajbmeb-853	125	4	developing	develop	VERB
ajbmeb-853	125	5	countries	country	NOUN
ajbmeb-853	125	6	.	.	PUNCT
ajbmeb-853	126	1	washington	washington	PROPN
ajbmeb-853	126	2	,	,	PUNCT
ajbmeb-853	126	3	dc	dc	PROPN
ajbmeb-853	126	4	,	,	PUNCT
ajbmeb-853	126	5	ide	ide	NOUN
ajbmeb-853	126	6	,	,	PUNCT
ajbmeb-853	126	7	1993	1993	NUM
ajbmeb-853	126	8	.	.	PUNCT
ajbmeb-853	126	9	,	,	PUNCT
ajbmeb-853	126	10	p.	p.	NOUN
ajbmeb-853	126	11	21	21	NUM
ajbmeb-853	126	12	.	.	PUNCT
ajbmeb-853	126	13	8	8	X
ajbmeb-853	126	14	.	.	X
ajbmeb-853	126	15	bakhtiyor	bakhtiyor	ADJ
ajbmeb-853	126	16	o‘g‘li	o‘g‘li	NOUN
ajbmeb-853	126	17	o.	o.	PROPN
ajbmeb-853	126	18	b.	b.	PROPN
ajbmeb-853	127	1	theoretical	theoretical	ADJ
ajbmeb-853	127	2	aspects	aspect	NOUN
ajbmeb-853	127	3	and	and	CCONJ
ajbmeb-853	127	4	methods	method	NOUN
ajbmeb-853	127	5	of	of	ADP
ajbmeb-853	127	6	increasing	increase	VERB
ajbmeb-853	127	7	regional	regional	ADJ
ajbmeb-853	127	8	investment	investment	NOUN
ajbmeb-853	127	9	attractiveness	attractiveness	NOUN
ajbmeb-853	127	10	//e	//e	PUNCT
ajbmeb-853	127	11	global	global	ADJ
ajbmeb-853	127	12	congress	congress	PROPN
ajbmeb-853	127	13	.	.	PUNCT
ajbmeb-853	128	1	–	–	PUNCT
ajbmeb-853	128	2	2023	2023	NUM
ajbmeb-853	128	3	.	.	PUNCT
ajbmeb-853	129	1	–	–	PUNCT
ajbmeb-853	129	2	№	№	NOUN
ajbmeb-853	129	3	.	.	PUNCT
ajbmeb-853	130	1	4	4	NUM
ajbmeb-853	130	2	.	.	X
ajbmeb-853	130	3	–	–	PUNCT
ajbmeb-853	130	4	с	с	NOUN
ajbmeb-853	130	5	.	.	PROPN
ajbmeb-853	130	6	98	98	NUM
ajbmeb-853	130	7	-	-	SYM
ajbmeb-853	130	8	101	101	NUM
ajbmeb-853	130	9	.	.	NOUN
ajbmeb-853	131	1	9	9	NUM
ajbmeb-853	131	2	.	.	X
ajbmeb-853	131	3	очилов	очилов	PROPN
ajbmeb-853	131	4	б	б	PROPN
ajbmeb-853	131	5	.	.	PROPN
ajbmeb-853	131	6	mamlakat	mamlakat	PROPN
ajbmeb-853	131	7	iqtisodiyotini	iqtisodiyotini	PROPN
ajbmeb-853	131	8	rivojlantirishda	rivojlantirishda	PROPN
ajbmeb-853	131	9	investitsion	investitsion	PROPN
ajbmeb-853	131	10	jozibadorlikni	jozibadorlikni	PROPN
ajbmeb-853	131	11	yaxshilash	yaxshilash	VERB
ajbmeb-853	131	12	masalalari	masalalari	NOUN
ajbmeb-853	131	13	//экономика	//экономика	PUNCT
ajbmeb-853	132	1	и	и	X
ajbmeb-853	132	2	образование	образование	NOUN
ajbmeb-853	132	3	.	.	PUNCT
ajbmeb-853	132	4	–	–	PUNCT
ajbmeb-853	132	5	2023	2023	NUM
ajbmeb-853	132	6	.	.	PUNCT
ajbmeb-853	133	1	–	–	PUNCT
ajbmeb-853	133	2	т	т	X
ajbmeb-853	133	3	.	.	PROPN
ajbmeb-853	133	4	24	24	NUM
ajbmeb-853	133	5	.	.	PUNCT
ajbmeb-853	133	6	–	–	PUNCT
ajbmeb-853	133	7	№	№	NOUN
ajbmeb-853	133	8	.	.	NOUN
ajbmeb-853	134	1	1	1	NUM
ajbmeb-853	134	2	.	.	X
ajbmeb-853	134	3	–	–	PUNCT
ajbmeb-853	134	4	с	с	NOUN
ajbmeb-853	134	5	.	.	PROPN
ajbmeb-853	134	6	75	75	NUM
ajbmeb-853	134	7	-	-	SYM
ajbmeb-853	134	8	81	81	NUM
ajbmeb-853	134	9	.	.	PUNCT
ajbmeb-853	135	1	10	10	NUM
ajbmeb-853	135	2	.	.	PUNCT
ajbmeb-853	136	1	prepared	prepare	VERB
ajbmeb-853	136	2	by	by	ADP
ajbmeb-853	136	3	the	the	DET
ajbmeb-853	136	4	author	author	NOUN
ajbmeb-853	136	5	based	base	VERB
ajbmeb-853	136	6	on	on	ADP
ajbmeb-853	136	7	information	information	NOUN
ajbmeb-853	136	8	from	from	ADP
ajbmeb-853	136	9	the	the	DET
ajbmeb-853	136	10	official	official	ADJ
ajbmeb-853	136	11	website	website	NOUN
ajbmeb-853	136	12	of	of	ADP
ajbmeb-853	136	13	the	the	DET
ajbmeb-853	136	14	central	central	ADJ
ajbmeb-853	136	15	bank	bank	NOUN
ajbmeb-853	136	16	of	of	ADP
ajbmeb-853	136	17	the	the	DET
ajbmeb-853	136	18	republic	republic	NOUN
ajbmeb-853	136	19	of	of	ADP
ajbmeb-853	136	20	uzbekistan	uzbekistan	PROPN
ajbmeb-853	136	21	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-853	136	22	https://moluch.ru/authors/131302/	https://moluch.ru/authors/131302/	X
ajbmeb-853	136	23	http://www.cbu.uz/	http://www.cbu.uz/	ADP
ajbmeb-853	136	24	american	american	ADJ
ajbmeb-853	136	25	journal	journal	PROPN
ajbmeb-853	136	26	of	of	ADP
ajbmeb-853	136	27	business	business	NOUN
ajbmeb-853	136	28	management	management	NOUN
ajbmeb-853	136	29	,	,	PUNCT
ajbmeb-853	136	30	economics	economic	NOUN
ajbmeb-853	136	31	and	and	CCONJ
ajbmeb-853	136	32	banking	banking	NOUN
ajbmeb-853	136	33	volume	volume	NOUN
ajbmeb-853	136	34	12	12	NUM
ajbmeb-853	136	35	may	may	PROPN
ajbmeb-853	136	36	,	,	PUNCT
ajbmeb-853	136	37	2023	2023	NUM
ajbmeb-853	136	38	p	p	NOUN
ajbmeb-853	136	39	a	a	DET
ajbmeb-853	136	40	g	g	NOUN
ajbmeb-853	136	41	e	e	NOUN
ajbmeb-853	136	42	|	|	NOUN
ajbmeb-853	136	43	127	127	NUM
ajbmeb-853	136	44	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-853	136	45	11	11	NUM
ajbmeb-853	136	46	.	.	PUNCT
ajbmeb-853	137	1	bakhtiyarovich	bakhtiyarovich	PROPN
ajbmeb-853	137	2	o.	o.	PROPN
ajbmeb-853	137	3	b.	b.	PROPN
ajbmeb-853	137	4	investment	investment	NOUN
ajbmeb-853	137	5	activities	activity	NOUN
ajbmeb-853	137	6	and	and	CCONJ
ajbmeb-853	137	7	performance	performance	NOUN
ajbmeb-853	137	8	of	of	ADP
ajbmeb-853	137	9	gigamon	gigamon	PROPN
ajbmeb-853	137	10	companies	company	NOUN
ajbmeb-853	137	11	around	around	ADP
ajbmeb-853	137	12	the	the	DET
ajbmeb-853	137	13	world	world	NOUN
ajbmeb-853	137	14	//czech	//czech	PUNCT
ajbmeb-853	137	15	journal	journal	NOUN
ajbmeb-853	137	16	of	of	ADP
ajbmeb-853	137	17	multidisciplinary	multidisciplinary	ADJ
ajbmeb-853	137	18	innovations	innovation	NOUN
ajbmeb-853	137	19	.	.	PUNCT
ajbmeb-853	138	1	–	–	PUNCT
ajbmeb-853	138	2	2022	2022	NUM
ajbmeb-853	138	3	.	.	PUNCT
ajbmeb-853	139	1	–	–	PUNCT
ajbmeb-853	139	2	т	т	X
ajbmeb-853	139	3	.	.	NOUN
ajbmeb-853	139	4	6	6	NUM
ajbmeb-853	139	5	.	.	X
ajbmeb-853	139	6	–	–	PUNCT
ajbmeb-853	139	7	с	с	NOUN
ajbmeb-853	139	8	.	.	PROPN
ajbmeb-853	139	9	1	1	NUM
ajbmeb-853	139	10	-	-	SYM
ajbmeb-853	139	11	6	6	NUM
ajbmeb-853	139	12	.	.	NOUN
ajbmeb-853	139	13	12	12	NUM
ajbmeb-853	139	14	.	.	PUNCT
ajbmeb-853	140	1	tursunkulovich	tursunkulovich	PROPN
ajbmeb-853	140	2	s.	s.	PROPN
ajbmeb-853	140	3	r.	r.	PROPN
ajbmeb-853	140	4	,	,	PUNCT
ajbmeb-853	140	5	bakhtiyorovich	bakhtiyorovich	PROPN
ajbmeb-853	140	6	o.	o.	PROPN
ajbmeb-853	140	7	b.	b.	PROPN
ajbmeb-853	141	1	some	some	PRON
ajbmeb-853	141	2	using	use	VERB
ajbmeb-853	141	3	questions	question	NOUN
ajbmeb-853	141	4	instruments	instrument	NOUN
ajbmeb-853	141	5	of	of	ADP
ajbmeb-853	141	6	monetary	monetary	ADJ
ajbmeb-853	141	7	policy	policy	NOUN
ajbmeb-853	141	8	//galaxy	//galaxy	PUNCT
ajbmeb-853	141	9	international	international	ADJ
ajbmeb-853	141	10	interdisciplinary	interdisciplinary	ADJ
ajbmeb-853	141	11	research	research	NOUN
ajbmeb-853	141	12	journal	journal	NOUN
ajbmeb-853	141	13	.	.	PUNCT
ajbmeb-853	142	1	–	–	PUNCT
ajbmeb-853	142	2	2022	2022	NUM
ajbmeb-853	142	3	.	.	PUNCT
ajbmeb-853	143	1	–	–	PUNCT
ajbmeb-853	143	2	т	т	X
ajbmeb-853	143	3	.	.	PROPN
ajbmeb-853	143	4	10	10	NUM
ajbmeb-853	143	5	.	.	PUNCT
ajbmeb-853	143	6	–	–	PUNCT
ajbmeb-853	143	7	№	№	NOUN
ajbmeb-853	143	8	.	.	PUNCT
ajbmeb-853	144	1	3	3	X
ajbmeb-853	144	2	.	.	X
ajbmeb-853	144	3	–	–	PUNCT
ajbmeb-853	144	4	с	с	NOUN
ajbmeb-853	144	5	.	.	PUNCT
ajbmeb-853	144	6	211	211	NUM
ajbmeb-853	144	7	-	-	SYM
ajbmeb-853	144	8	216	216	NUM
ajbmeb-853	144	9	.	.	PUNCT