id	sid	tid	token	lemma	pos
gp-192	1	1	227	227	NUM
gp-192	1	2	american	american	ADJ
gp-192	1	3	journal	journal	NOUN
gp-192	1	4	of	of	ADP
gp-192	1	5	economic	economic	ADJ
gp-192	1	6	and	and	CCONJ
gp-192	1	7	management	management	NOUN
gp-192	1	8	business	business	NOUN
gp-192	1	9	e	e	NOUN
gp-192	1	10	-	-	NOUN
gp-192	1	11	issn	issn	ADJ
gp-192	1	12	:	:	PUNCT
gp-192	1	13	2835	2835	NUM
gp-192	1	14	-	-	SYM
gp-192	1	15	5199	5199	NUM
gp-192	1	16	vol	vol	NOUN
gp-192	1	17	.	.	PROPN
gp-192	1	18	4	4	NUM
gp-192	1	19	no	no	NOUN
gp-192	1	20	.	.	NOUN
gp-192	1	21	3	3	NUM
gp-192	1	22	march	march	PROPN
gp-192	1	23	2025	2025	NUM
gp-192	1	24	digital	digital	ADJ
gp-192	1	25	service	service	NOUN
gp-192	1	26	transformation	transformation	NOUN
gp-192	1	27	from	from	ADP
gp-192	1	28	a	a	DET
gp-192	1	29	change	change	NOUN
gp-192	1	30	management	management	NOUN
gp-192	1	31	perspective	perspective	NOUN
gp-192	1	32	:	:	PUNCT
gp-192	1	33	a	a	DET
gp-192	1	34	case	case	NOUN
gp-192	1	35	study	study	NOUN
gp-192	1	36	at	at	ADP
gp-192	1	37	pt	pt	PROPN
gp-192	1	38	bpr	bpr	PROPN
gp-192	1	39	xyz	xyz	PROPN
gp-192	1	40	in	in	ADP
gp-192	1	41	semarang	semarang	PROPN
gp-192	1	42	akhmat	akhmat	NOUN
gp-192	1	43	mustofa1	mustofa1	PROPN
gp-192	1	44	*	*	NOUN
gp-192	1	45	,	,	PUNCT
gp-192	1	46	edy	edy	PROPN
gp-192	1	47	raharja2	raharja2	PROPN
gp-192	1	48	universitas	universita	NOUN
gp-192	1	49	diponegoro	diponegoro	PROPN
gp-192	1	50	,	,	PUNCT
gp-192	1	51	indonesia	indonesia	PROPN
gp-192	1	52	emails	email	VERB
gp-192	1	53	:	:	PUNCT
gp-192	1	54	akhmat.m@outlook.com	akhmat.m@outlook.com	X
gp-192	1	55	*	*	PROPN
gp-192	1	56	,	,	PUNCT
gp-192	1	57	edy.soerjo2707@gmail.com	edy.soerjo2707@gmail.com	PROPN
gp-192	1	58	abstract	abstract	ADJ
gp-192	1	59	this	this	DET
gp-192	1	60	research	research	NOUN
gp-192	1	61	examines	examine	VERB
gp-192	1	62	the	the	DET
gp-192	1	63	digital	digital	ADJ
gp-192	1	64	service	service	NOUN
gp-192	1	65	transformation	transformation	NOUN
gp-192	1	66	journey	journey	NOUN
gp-192	1	67	at	at	ADP
gp-192	1	68	pt	pt	PROPN
gp-192	1	69	bpr	bpr	PROPN
gp-192	1	70	xyz	xyz	PROPN
gp-192	1	71	focusing	focus	VERB
gp-192	1	72	on	on	ADP
gp-192	1	73	change	change	NOUN
gp-192	1	74	management	management	NOUN
gp-192	1	75	as	as	ADP
gp-192	1	76	a	a	DET
gp-192	1	77	critical	critical	ADJ
gp-192	1	78	factor	factor	NOUN
gp-192	1	79	for	for	ADP
gp-192	1	80	successful	successful	ADJ
gp-192	1	81	implementation	implementation	NOUN
gp-192	1	82	.	.	PUNCT
gp-192	2	1	the	the	DET
gp-192	2	2	study	study	NOUN
gp-192	2	3	delves	delve	VERB
gp-192	2	4	into	into	ADP
gp-192	2	5	organizational	organizational	ADJ
gp-192	2	6	readiness	readiness	NOUN
gp-192	2	7	,	,	PUNCT
gp-192	2	8	leadership	leadership	NOUN
gp-192	2	9	involvement	involvement	NOUN
gp-192	2	10	,	,	PUNCT
gp-192	2	11	employee	employee	NOUN
gp-192	2	12	participation	participation	NOUN
gp-192	2	13	,	,	PUNCT
gp-192	2	14	and	and	CCONJ
gp-192	2	15	resistance	resistance	NOUN
gp-192	2	16	to	to	PART
gp-192	2	17	change	change	VERB
gp-192	2	18	in	in	ADP
gp-192	2	19	a	a	DET
gp-192	2	20	microfinance	microfinance	NOUN
gp-192	2	21	banking	banking	NOUN
gp-192	2	22	context	context	NOUN
gp-192	2	23	.	.	PUNCT
gp-192	3	1	by	by	ADP
gp-192	3	2	employing	employ	VERB
gp-192	3	3	a	a	DET
gp-192	3	4	qualitative	qualitative	ADJ
gp-192	3	5	approach	approach	NOUN
gp-192	3	6	and	and	CCONJ
gp-192	3	7	conducting	conduct	VERB
gp-192	3	8	in	in	ADP
gp-192	3	9	-	-	PUNCT
gp-192	3	10	depth	depth	NOUN
gp-192	3	11	interviews	interview	NOUN
gp-192	3	12	with	with	ADP
gp-192	3	13	key	key	ADJ
gp-192	3	14	stakeholders	stakeholder	NOUN
gp-192	3	15	,	,	PUNCT
gp-192	3	16	the	the	DET
gp-192	3	17	research	research	NOUN
gp-192	3	18	highlights	highlight	VERB
gp-192	3	19	the	the	DET
gp-192	3	20	importance	importance	NOUN
gp-192	3	21	of	of	ADP
gp-192	3	22	aligning	align	VERB
gp-192	3	23	strategic	strategic	ADJ
gp-192	3	24	vision	vision	NOUN
gp-192	3	25	with	with	ADP
gp-192	3	26	digital	digital	ADJ
gp-192	3	27	transformation	transformation	NOUN
gp-192	3	28	goals	goal	NOUN
gp-192	3	29	.	.	PUNCT
gp-192	4	1	it	it	PRON
gp-192	4	2	uncovers	uncover	NOUN
gp-192	4	3	barriers	barrier	NOUN
gp-192	4	4	such	such	ADJ
gp-192	4	5	as	as	ADP
gp-192	4	6	limited	limited	ADJ
gp-192	4	7	technological	technological	ADJ
gp-192	4	8	expertise	expertise	NOUN
gp-192	4	9	and	and	CCONJ
gp-192	4	10	resistance	resistance	NOUN
gp-192	4	11	from	from	ADP
gp-192	4	12	less	less	ADJ
gp-192	4	13	tech	tech	NOUN
gp-192	4	14	-	-	PUNCT
gp-192	4	15	savvy	savvy	ADJ
gp-192	4	16	staff	staff	NOUN
gp-192	4	17	,	,	PUNCT
gp-192	4	18	alongside	alongside	ADP
gp-192	4	19	opportunities	opportunity	NOUN
gp-192	4	20	for	for	ADP
gp-192	4	21	cost	cost	NOUN
gp-192	4	22	efficiency	efficiency	NOUN
gp-192	4	23	and	and	CCONJ
gp-192	4	24	improved	improve	VERB
gp-192	4	25	customer	customer	NOUN
gp-192	4	26	experiences	experience	NOUN
gp-192	4	27	through	through	ADP
gp-192	4	28	digital	digital	ADJ
gp-192	4	29	adoption	adoption	NOUN
gp-192	4	30	.	.	PUNCT
gp-192	5	1	furthermore	furthermore	ADV
gp-192	5	2	,	,	PUNCT
gp-192	5	3	the	the	DET
gp-192	5	4	findings	finding	NOUN
gp-192	5	5	emphasize	emphasize	VERB
gp-192	5	6	the	the	DET
gp-192	5	7	critical	critical	ADJ
gp-192	5	8	role	role	NOUN
gp-192	5	9	of	of	ADP
gp-192	5	10	leadership	leadership	NOUN
gp-192	5	11	in	in	ADP
gp-192	5	12	fostering	foster	VERB
gp-192	5	13	a	a	DET
gp-192	5	14	culture	culture	NOUN
gp-192	5	15	of	of	ADP
gp-192	5	16	innovation	innovation	NOUN
gp-192	5	17	,	,	PUNCT
gp-192	5	18	providing	provide	VERB
gp-192	5	19	consistent	consistent	ADJ
gp-192	5	20	communication	communication	NOUN
gp-192	5	21	,	,	PUNCT
gp-192	5	22	and	and	CCONJ
gp-192	5	23	engaging	engage	VERB
gp-192	5	24	employees	employee	NOUN
gp-192	5	25	at	at	ADP
gp-192	5	26	all	all	DET
gp-192	5	27	levels	level	NOUN
gp-192	5	28	to	to	PART
gp-192	5	29	actively	actively	ADV
gp-192	5	30	contribute	contribute	VERB
gp-192	5	31	to	to	ADP
gp-192	5	32	the	the	DET
gp-192	5	33	transformation	transformation	NOUN
gp-192	5	34	process	process	NOUN
gp-192	5	35	.	.	PUNCT
gp-192	6	1	practical	practical	ADJ
gp-192	6	2	implications	implication	NOUN
gp-192	6	3	suggest	suggest	VERB
gp-192	6	4	that	that	SCONJ
gp-192	6	5	a	a	DET
gp-192	6	6	structured	structured	ADJ
gp-192	6	7	approach	approach	NOUN
gp-192	6	8	to	to	ADP
gp-192	6	9	managing	manage	VERB
gp-192	6	10	change	change	NOUN
gp-192	6	11	,	,	PUNCT
gp-192	6	12	supported	support	VERB
gp-192	6	13	by	by	ADP
gp-192	6	14	comprehensive	comprehensive	ADJ
gp-192	6	15	training	training	NOUN
gp-192	6	16	and	and	CCONJ
gp-192	6	17	employee	employee	NOUN
gp-192	6	18	empowerment	empowerment	NOUN
gp-192	6	19	initiatives	initiative	NOUN
gp-192	6	20	,	,	PUNCT
gp-192	6	21	can	can	AUX
gp-192	6	22	enhance	enhance	VERB
gp-192	6	23	the	the	DET
gp-192	6	24	success	success	NOUN
gp-192	6	25	rate	rate	NOUN
gp-192	6	26	of	of	ADP
gp-192	6	27	digital	digital	ADJ
gp-192	6	28	transformations	transformation	NOUN
gp-192	6	29	in	in	ADP
gp-192	6	30	microfinance	microfinance	NOUN
gp-192	6	31	institutions	institution	NOUN
gp-192	6	32	.	.	PUNCT
gp-192	7	1	this	this	DET
gp-192	7	2	research	research	NOUN
gp-192	7	3	contributes	contribute	VERB
gp-192	7	4	to	to	ADP
gp-192	7	5	the	the	DET
gp-192	7	6	broader	broad	ADJ
gp-192	7	7	understanding	understanding	NOUN
gp-192	7	8	of	of	ADP
gp-192	7	9	digital	digital	ADJ
gp-192	7	10	transformation	transformation	NOUN
gp-192	7	11	strategies	strategy	NOUN
gp-192	7	12	within	within	ADP
gp-192	7	13	the	the	DET
gp-192	7	14	financial	financial	ADJ
gp-192	7	15	services	service	NOUN
gp-192	7	16	sector	sector	NOUN
gp-192	7	17	,	,	PUNCT
gp-192	7	18	particularly	particularly	ADV
gp-192	7	19	in	in	ADP
gp-192	7	20	the	the	DET
gp-192	7	21	context	context	NOUN
gp-192	7	22	of	of	ADP
gp-192	7	23	resource	resource	NOUN
gp-192	7	24	-	-	PUNCT
gp-192	7	25	constrained	constrain	VERB
gp-192	7	26	organizations	organization	NOUN
gp-192	7	27	like	like	ADP
gp-192	7	28	bpr	bpr	PROPN
gp-192	7	29	.	.	PUNCT
gp-192	8	1	keywords	keyword	NOUN
gp-192	8	2	:	:	PUNCT
gp-192	8	3	change	change	NOUN
gp-192	8	4	management	management	NOUN
gp-192	8	5	,	,	PUNCT
gp-192	8	6	digital	digital	ADJ
gp-192	8	7	transformation	transformation	NOUN
gp-192	8	8	,	,	PUNCT
gp-192	8	9	employee	employee	NOUN
gp-192	8	10	empowerment	empowerment	NOUN
gp-192	8	11	,	,	PUNCT
gp-192	8	12	innovation	innovation	NOUN
gp-192	8	13	culture	culture	NOUN
gp-192	8	14	,	,	PUNCT
gp-192	8	15	leadership	leadership	NOUN
gp-192	8	16	in	in	ADP
gp-192	8	17	change	change	NOUN
gp-192	8	18	,	,	PUNCT
gp-192	8	19	microfinance	microfinance	NOUN
gp-192	8	20	,	,	PUNCT
gp-192	8	21	organizational	organizational	ADJ
gp-192	8	22	readiness	readiness	NOUN
gp-192	8	23	introduction	introduction	NOUN
gp-192	8	24	currently	currently	ADV
gp-192	8	25	,	,	PUNCT
gp-192	8	26	there	there	PRON
gp-192	8	27	is	be	VERB
gp-192	8	28	an	an	DET
gp-192	8	29	increasing	increase	VERB
gp-192	8	30	demand	demand	NOUN
gp-192	8	31	from	from	ADP
gp-192	8	32	customers	customer	NOUN
gp-192	8	33	regarding	regard	VERB
gp-192	8	34	banking	banking	NOUN
gp-192	8	35	products	product	NOUN
gp-192	8	36	and	and	CCONJ
gp-192	8	37	services	service	NOUN
gp-192	8	38	that	that	PRON
gp-192	8	39	are	be	AUX
gp-192	8	40	easy	easy	ADJ
gp-192	8	41	,	,	PUNCT
gp-192	8	42	fast	fast	ADJ
gp-192	8	43	,	,	PUNCT
gp-192	8	44	and	and	CCONJ
gp-192	8	45	available	available	ADJ
gp-192	8	46	at	at	ADP
gp-192	8	47	any	any	DET
gp-192	8	48	time	time	NOUN
gp-192	8	49	in	in	ADP
gp-192	8	50	response	response	NOUN
gp-192	8	51	to	to	ADP
gp-192	8	52	changes	change	NOUN
gp-192	8	53	in	in	ADP
gp-192	8	54	customer	customer	NOUN
gp-192	8	55	behavior	behavior	NOUN
gp-192	8	56	towards	towards	ADP
gp-192	8	57	digital	digital	PROPN
gp-192	8	58	(	(	PUNCT
gp-192	8	59	lee	lee	PROPN
gp-192	8	60	&	&	CCONJ
gp-192	8	61	lee	lee	PROPN
gp-192	8	62	,	,	PUNCT
gp-192	8	63	2020	2020	NUM
gp-192	8	64	)	)	PUNCT
gp-192	8	65	.	.	PUNCT
gp-192	9	1	these	these	DET
gp-192	9	2	changes	change	NOUN
gp-192	9	3	encourage	encourage	VERB
gp-192	9	4	banks	bank	NOUN
gp-192	9	5	,	,	PUNCT
gp-192	9	6	including	include	VERB
gp-192	9	7	rural	rural	ADJ
gp-192	9	8	banks	bank	NOUN
gp-192	9	9	(	(	PUNCT
gp-192	9	10	bprs	bprs	NOUN
gp-192	9	11	)	)	PUNCT
gp-192	9	12	,	,	PUNCT
gp-192	9	13	to	to	PART
gp-192	9	14	innovate	innovate	VERB
gp-192	9	15	in	in	ADP
gp-192	9	16	the	the	DET
gp-192	9	17	field	field	NOUN
gp-192	9	18	of	of	ADP
gp-192	9	19	information	information	NOUN
gp-192	9	20	technology	technology	NOUN
gp-192	9	21	to	to	PART
gp-192	9	22	support	support	VERB
gp-192	9	23	operations	operation	NOUN
gp-192	9	24	and	and	CCONJ
gp-192	9	25	product	product	NOUN
gp-192	9	26	and	and	CCONJ
gp-192	9	27	service	service	NOUN
gp-192	9	28	development	development	NOUN
gp-192	9	29	.	.	PUNCT
gp-192	10	1	bpr	bpr	PROPN
gp-192	10	2	xyz	xyz	PROPN
gp-192	10	3	is	be	AUX
gp-192	10	4	a	a	DET
gp-192	10	5	bpr	bpr	NOUN
gp-192	10	6	with	with	ADP
gp-192	10	7	the	the	DET
gp-192	10	8	classification	classification	NOUN
gp-192	10	9	of	of	ADP
gp-192	10	10	bprku	bprku	PROPN
gp-192	10	11	iii	iii	PROPN
gp-192	10	12	or	or	CCONJ
gp-192	10	13	bpr	bpr	ADV
gp-192	10	14	with	with	ADP
gp-192	10	15	core	core	ADJ
gp-192	10	16	capital	capital	NOUN
gp-192	10	17	above	above	ADP
gp-192	10	18	rp	rp	NOUN
gp-192	10	19	.	.	PROPN
gp-192	11	1	50	50	NUM
gp-192	11	2	billion	billion	NUM
gp-192	11	3	,	,	PUNCT
gp-192	11	4	where	where	SCONJ
gp-192	11	5	in	in	ADP
gp-192	11	6	2020	2020	NUM
gp-192	11	7	bpr	bpr	PROPN
gp-192	11	8	xyz	xyz	PROPN
gp-192	11	9	's	's	PART
gp-192	11	10	capital	capital	NOUN
gp-192	11	11	reached	reach	VERB
gp-192	11	12	rp	rp	NOUN
gp-192	11	13	.	.	PROPN
gp-192	12	1	165	165	NUM
gp-192	12	2	billion	billion	NUM
gp-192	12	3	.	.	PUNCT
gp-192	13	1	ojk	ojk	NOUN
gp-192	13	2	through	through	ADP
gp-192	13	3	ojk	ojk	NOUN
gp-192	13	4	circular	circular	ADJ
gp-192	13	5	letter	letter	NOUN
gp-192	13	6	number	number	NOUN
gp-192	13	7	45	45	NUM
gp-192	13	8	/seojk.03/2017	/seojk.03/2017	PUNCT
gp-192	13	9	provides	provide	VERB
gp-192	13	10	opportunities	opportunity	NOUN
gp-192	13	11	for	for	SCONJ
gp-192	13	12	bprku	bprku	PROPN
gp-192	13	13	iii	iii	PRON
gp-192	13	14	to	to	PART
gp-192	13	15	carry	carry	VERB
gp-192	13	16	out	out	ADP
gp-192	13	17	digital	digital	ADJ
gp-192	13	18	-	-	PUNCT
gp-192	13	19	based	base	VERB
gp-192	13	20	business	business	NOUN
gp-192	13	21	activities	activity	NOUN
gp-192	13	22	such	such	ADJ
gp-192	13	23	as	as	ADP
gp-192	13	24	phone	phone	NOUN
gp-192	13	25	banking	banking	NOUN
gp-192	13	26	,	,	PUNCT
gp-192	13	27	sms	sms	PROPN
gp-192	13	28	banking	banking	NOUN
gp-192	13	29	,	,	PUNCT
gp-192	13	30	mobile	mobile	ADJ
gp-192	13	31	banking	banking	NOUN
gp-192	13	32	,	,	PUNCT
gp-192	13	33	and	and	CCONJ
gp-192	13	34	internet	internet	NOUN
gp-192	13	35	banking	banking	NOUN
gp-192	13	36	.	.	PUNCT
gp-192	14	1	however	however	ADV
gp-192	14	2	,	,	PUNCT
gp-192	14	3	with	with	ADP
gp-192	14	4	its	its	PRON
gp-192	14	5	capital	capital	NOUN
gp-192	14	6	capacity	capacity	NOUN
gp-192	14	7	,	,	PUNCT
gp-192	14	8	bpr	bpr	PROPN
gp-192	14	9	xyz	xyz	PROPN
gp-192	14	10	management	management	NOUN
gp-192	14	11	still	still	ADV
gp-192	14	12	faces	face	VERB
gp-192	14	13	challenges	challenge	NOUN
gp-192	14	14	in	in	ADP
gp-192	14	15	managing	manage	VERB
gp-192	14	16	changes	change	NOUN
gp-192	14	17	to	to	ADP
gp-192	14	18	digital	digital	ADJ
gp-192	14	19	services	service	NOUN
gp-192	14	20	.	.	PUNCT
gp-192	15	1	this	this	PRON
gp-192	15	2	is	be	AUX
gp-192	15	3	indicated	indicate	VERB
gp-192	15	4	by	by	ADP
gp-192	15	5	the	the	DET
gp-192	15	6	lack	lack	NOUN
gp-192	15	7	of	of	ADP
gp-192	15	8	digital	digital	NOUN
gp-192	15	9	-	-	PUNCT
gp-192	15	10	based	base	VERB
gp-192	15	11	services	service	NOUN
gp-192	15	12	owned	own	VERB
gp-192	15	13	american	american	ADJ
gp-192	15	14	journal	journal	PROPN
gp-192	15	15	of	of	ADP
gp-192	15	16	economic	economic	ADJ
gp-192	15	17	and	and	CCONJ
gp-192	15	18	management	management	NOUN
gp-192	15	19	business	business	NOUN
gp-192	15	20	vol	vol	NOUN
gp-192	15	21	.	.	PROPN
gp-192	16	1	4	4	NUM
gp-192	16	2	no	no	NOUN
gp-192	16	3	.	.	NOUN
gp-192	16	4	3	3	NUM
gp-192	16	5	march	march	NOUN
gp-192	16	6	2025	2025	NUM
gp-192	16	7	228	228	NUM
gp-192	16	8	by	by	ADP
gp-192	16	9	bpr	bpr	PROPN
gp-192	16	10	xyz	xyz	PROPN
gp-192	16	11	compared	compare	VERB
gp-192	16	12	to	to	ADP
gp-192	16	13	most	most	ADJ
gp-192	16	14	other	other	ADJ
gp-192	16	15	bprku	bprku	PROPN
gp-192	16	16	iii	iii	PROPN
gp-192	16	17	,	,	PUNCT
gp-192	16	18	this	this	PRON
gp-192	16	19	shows	show	VERB
gp-192	16	20	the	the	DET
gp-192	16	21	gap	gap	NOUN
gp-192	16	22	phenomenon	phenomenon	NOUN
gp-192	16	23	experienced	experience	VERB
gp-192	16	24	by	by	ADP
gp-192	16	25	bpr	bpr	PROPN
gp-192	17	1	budi	budi	PROPN
gp-192	17	2	utomo	utomo	PROPN
gp-192	17	3	compared	compare	VERB
gp-192	17	4	to	to	ADP
gp-192	17	5	other	other	ADJ
gp-192	17	6	bprku	bprku	PROPN
gp-192	17	7	iii	iii	NUM
gp-192	17	8	which	which	PRON
gp-192	17	9	have	have	AUX
gp-192	17	10	implemented	implement	VERB
gp-192	17	11	digital	digital	ADJ
gp-192	17	12	services	service	NOUN
gp-192	17	13	for	for	ADP
gp-192	17	14	their	their	PRON
gp-192	17	15	customers	customer	NOUN
gp-192	17	16	.	.	PUNCT
gp-192	18	1	bpr	bpr	PROPN
gp-192	18	2	xyz	xyz	PROPN
gp-192	18	3	in	in	ADP
gp-192	18	4	digital	digital	ADJ
gp-192	18	5	type	type	NOUN
gp-192	18	6	services	service	NOUN
gp-192	18	7	did	do	AUX
gp-192	18	8	not	not	PART
gp-192	18	9	find	find	VERB
gp-192	18	10	165,093	165,093	NUM
gp-192	18	11	million	million	NUM
gp-192	18	12	digital	digital	ADJ
gp-192	18	13	services	service	NOUN
gp-192	18	14	for	for	ADP
gp-192	18	15	its	its	PRON
gp-192	18	16	customers	customer	NOUN
gp-192	18	17	.	.	PUNCT
gp-192	19	1	strategies	strategy	NOUN
gp-192	19	2	related	relate	VERB
gp-192	19	3	to	to	ADP
gp-192	19	4	optimal	optimal	ADJ
gp-192	19	5	technology	technology	NOUN
gp-192	19	6	adoption	adoption	NOUN
gp-192	19	7	are	be	AUX
gp-192	19	8	needed	need	VERB
gp-192	19	9	(	(	PUNCT
gp-192	19	10	gupta	gupta	PROPN
gp-192	19	11	et	et	PROPN
gp-192	19	12	al	al	PROPN
gp-192	19	13	.	.	PROPN
gp-192	19	14	,	,	PUNCT
gp-192	19	15	2018	2018	NUM
gp-192	19	16	)	)	PUNCT
gp-192	19	17	(	(	PUNCT
gp-192	19	18	roy	roy	PROPN
gp-192	19	19	&	&	CCONJ
gp-192	19	20	thangaraj	thangaraj	PROPN
gp-192	19	21	,	,	PUNCT
gp-192	19	22	2020	2020	NUM
gp-192	19	23	)	)	PUNCT
gp-192	19	24	to	to	PART
gp-192	19	25	increase	increase	VERB
gp-192	19	26	banking	banking	NOUN
gp-192	19	27	productivity	productivity	NOUN
gp-192	19	28	.	.	PUNCT
gp-192	20	1	digital	digital	ADJ
gp-192	20	2	transformation	transformation	NOUN
gp-192	20	3	is	be	AUX
gp-192	20	4	proven	prove	VERB
gp-192	20	5	to	to	PART
gp-192	20	6	have	have	VERB
gp-192	20	7	a	a	DET
gp-192	20	8	positive	positive	ADJ
gp-192	20	9	impact	impact	NOUN
gp-192	20	10	on	on	ADP
gp-192	20	11	bank	bank	NOUN
gp-192	20	12	performance	performance	NOUN
gp-192	20	13	(	(	PUNCT
gp-192	20	14	gupta	gupta	PROPN
gp-192	20	15	et	et	PROPN
gp-192	20	16	al	al	PROPN
gp-192	20	17	.	.	PROPN
gp-192	20	18	,	,	PUNCT
gp-192	20	19	2018	2018	NUM
gp-192	20	20	)	)	PUNCT
gp-192	20	21	.	.	PUNCT
gp-192	21	1	digital	digital	ADJ
gp-192	21	2	transformation	transformation	NOUN
gp-192	21	3	for	for	ADP
gp-192	21	4	the	the	DET
gp-192	21	5	bpr	bpr	NOUN
gp-192	21	6	industry	industry	NOUN
gp-192	21	7	is	be	AUX
gp-192	21	8	useful	useful	ADJ
gp-192	21	9	to	to	PART
gp-192	21	10	support	support	VERB
gp-192	21	11	the	the	DET
gp-192	21	12	improvement	improvement	NOUN
gp-192	21	13	of	of	ADP
gp-192	21	14	bpr	bpr	NOUN
gp-192	21	15	competitiveness	competitiveness	NOUN
gp-192	21	16	related	relate	VERB
gp-192	21	17	to	to	ADP
gp-192	21	18	digital	digital	ADJ
gp-192	21	19	products	product	NOUN
gp-192	21	20	and	and	CCONJ
gp-192	21	21	services	service	NOUN
gp-192	21	22	,	,	PUNCT
gp-192	21	23	by	by	ADP
gp-192	21	24	prioritizing	prioritize	VERB
gp-192	21	25	synergy	synergy	NOUN
gp-192	21	26	and	and	CCONJ
gp-192	21	27	collaboration	collaboration	NOUN
gp-192	21	28	with	with	ADP
gp-192	21	29	other	other	ADJ
gp-192	21	30	institutions	institution	NOUN
gp-192	21	31	(	(	PUNCT
gp-192	21	32	bpr	bpr	PRON
gp-192	21	33	and	and	CCONJ
gp-192	21	34	bprs	bprs	NOUN
gp-192	21	35	industry	industry	NOUN
gp-192	21	36	development	development	NOUN
gp-192	21	37	roadmap	roadmap	NOUN
gp-192	21	38	(	(	PUNCT
gp-192	21	39	rbpr	rbpr	NOUN
gp-192	21	40	-	-	PUNCT
gp-192	21	41	s	s	NOUN
gp-192	21	42	)	)	PUNCT
gp-192	21	43	.	.	PUNCT
gp-192	22	1	researchers	researcher	NOUN
gp-192	22	2	argue	argue	VERB
gp-192	22	3	that	that	SCONJ
gp-192	22	4	digital	digital	ADJ
gp-192	22	5	transformation	transformation	NOUN
gp-192	22	6	is	be	AUX
gp-192	22	7	not	not	PART
gp-192	22	8	about	about	ADP
gp-192	22	9	updating	update	VERB
gp-192	22	10	an	an	DET
gp-192	22	11	organization	organization	NOUN
gp-192	22	12	's	's	PART
gp-192	22	13	technology	technology	NOUN
gp-192	22	14	,	,	PUNCT
gp-192	22	15	but	but	CCONJ
gp-192	22	16	about	about	ADP
gp-192	22	17	building	build	VERB
gp-192	22	18	a	a	DET
gp-192	22	19	strategy	strategy	NOUN
gp-192	22	20	(	(	PUNCT
gp-192	22	21	kane	kane	PROPN
gp-192	22	22	et	et	PROPN
gp-192	22	23	al	al	PROPN
gp-192	22	24	.	.	PROPN
gp-192	22	25	,	,	PUNCT
gp-192	22	26	2015	2015	NUM
gp-192	22	27	)	)	PUNCT
gp-192	22	28	(	(	PUNCT
gp-192	22	29	rogers	roger	NOUN
gp-192	22	30	,	,	PUNCT
gp-192	22	31	2016	2016	NUM
gp-192	22	32	)	)	PUNCT
gp-192	22	33	.	.	PUNCT
gp-192	23	1	in	in	ADP
gp-192	23	2	addition	addition	NOUN
gp-192	23	3	,	,	PUNCT
gp-192	23	4	in	in	ADP
gp-192	23	5	the	the	DET
gp-192	23	6	era	era	NOUN
gp-192	23	7	of	of	ADP
gp-192	23	8	digital	digital	ADJ
gp-192	23	9	transformation	transformation	NOUN
gp-192	23	10	,	,	PUNCT
gp-192	23	11	it	it	PRON
gp-192	23	12	is	be	AUX
gp-192	23	13	necessary	necessary	ADJ
gp-192	23	14	to	to	PART
gp-192	23	15	create	create	VERB
gp-192	23	16	a	a	DET
gp-192	23	17	corporate	corporate	ADJ
gp-192	23	18	culture	culture	NOUN
gp-192	23	19	that	that	PRON
gp-192	23	20	encourages	encourage	VERB
gp-192	23	21	innovation	innovation	NOUN
gp-192	23	22	(	(	PUNCT
gp-192	23	23	kane	kane	PROPN
gp-192	23	24	et	et	PROPN
gp-192	23	25	al	al	PROPN
gp-192	23	26	.	.	PROPN
gp-192	23	27	,	,	PUNCT
gp-192	23	28	2015	2015	NUM
gp-192	23	29	;	;	PUNCT
gp-192	23	30	vey	vey	VERB
gp-192	23	31	et	et	PROPN
gp-192	23	32	al	al	PROPN
gp-192	23	33	.	.	PROPN
gp-192	23	34	,	,	PUNCT
gp-192	23	35	2017	2017	NUM
gp-192	23	36	)	)	PUNCT
gp-192	23	37	,	,	PUNCT
gp-192	23	38	for	for	ADP
gp-192	23	39	example	example	NOUN
gp-192	23	40	in	in	ADP
gp-192	23	41	terms	term	NOUN
gp-192	23	42	of	of	ADP
gp-192	23	43	taking	take	VERB
gp-192	23	44	risks	risk	NOUN
gp-192	23	45	,	,	PUNCT
gp-192	23	46	focusing	focus	VERB
gp-192	23	47	on	on	ADP
gp-192	23	48	the	the	DET
gp-192	23	49	creativity	creativity	NOUN
gp-192	23	50	and	and	CCONJ
gp-192	23	51	knowledge	knowledge	NOUN
gp-192	23	52	of	of	ADP
gp-192	23	53	its	its	PRON
gp-192	23	54	employees	employee	NOUN
gp-192	23	55	,	,	PUNCT
gp-192	23	56	and	and	CCONJ
gp-192	23	57	creating	create	VERB
gp-192	23	58	collaborative	collaborative	ADJ
gp-192	23	59	work	work	NOUN
gp-192	23	60	(	(	PUNCT
gp-192	23	61	kane	kane	PROPN
gp-192	23	62	et	et	PROPN
gp-192	23	63	al	al	PROPN
gp-192	23	64	.	.	PROPN
gp-192	23	65	,	,	PUNCT
gp-192	23	66	2015	2015	NUM
gp-192	23	67	)	)	PUNCT
gp-192	23	68	.	.	PUNCT
gp-192	24	1	research	research	NOUN
gp-192	24	2	with	with	ADP
gp-192	24	3	the	the	DET
gp-192	24	4	theme	theme	NOUN
gp-192	24	5	of	of	ADP
gp-192	24	6	digital	digital	ADJ
gp-192	24	7	transformation	transformation	NOUN
gp-192	24	8	is	be	AUX
gp-192	24	9	more	more	ADV
gp-192	24	10	associated	associate	VERB
gp-192	24	11	with	with	ADP
gp-192	24	12	general	general	ADJ
gp-192	24	13	topics	topic	NOUN
gp-192	24	14	such	such	ADJ
gp-192	24	15	as	as	ADP
gp-192	24	16	digital	digital	ADJ
gp-192	24	17	transformation	transformation	NOUN
gp-192	24	18	factors	factor	NOUN
gp-192	24	19	on	on	ADP
gp-192	24	20	organizations	organization	NOUN
gp-192	24	21	such	such	ADJ
gp-192	24	22	as	as	ADP
gp-192	24	23	those	those	PRON
gp-192	24	24	conducted	conduct	VERB
gp-192	24	25	by	by	ADP
gp-192	24	26	werth	werth	PROPN
gp-192	24	27	et	et	PROPN
gp-192	24	28	al	al	PROPN
gp-192	24	29	.	.	PROPN
gp-192	24	30	,	,	PUNCT
gp-192	24	31	(	(	PUNCT
gp-192	24	32	2020	2020	NUM
gp-192	24	33	)	)	PUNCT
gp-192	24	34	and	and	CCONJ
gp-192	24	35	dorfleitner	dorfleitner	PROPN
gp-192	24	36	et	et	PROPN
gp-192	24	37	al	al	PROPN
gp-192	24	38	.	.	PROPN
gp-192	24	39	,	,	PUNCT
gp-192	24	40	(	(	PUNCT
gp-192	24	41	2022	2022	NUM
gp-192	24	42	)	)	PUNCT
gp-192	24	43	,	,	PUNCT
gp-192	24	44	while	while	SCONJ
gp-192	24	45	research	research	NOUN
gp-192	24	46	related	relate	VERB
gp-192	24	47	to	to	ADP
gp-192	24	48	digital	digital	ADJ
gp-192	24	49	transformation	transformation	NOUN
gp-192	24	50	change	change	NOUN
gp-192	24	51	management	management	NOUN
gp-192	24	52	in	in	ADP
gp-192	24	53	the	the	DET
gp-192	24	54	banking	banking	NOUN
gp-192	24	55	industry	industry	NOUN
gp-192	24	56	or	or	CCONJ
gp-192	24	57	more	more	ADV
gp-192	24	58	specifically	specifically	ADV
gp-192	24	59	in	in	ADP
gp-192	24	60	microfinance	microfinance	NOUN
gp-192	24	61	institutions	institution	NOUN
gp-192	24	62	is	be	AUX
gp-192	24	63	still	still	ADV
gp-192	24	64	very	very	ADV
gp-192	24	65	limited	limited	ADJ
gp-192	24	66	,	,	PUNCT
gp-192	24	67	the	the	DET
gp-192	24	68	topic	topic	NOUN
gp-192	24	69	is	be	AUX
gp-192	24	70	more	more	ADV
gp-192	24	71	researched	research	VERB
gp-192	24	72	in	in	ADP
gp-192	24	73	the	the	DET
gp-192	24	74	manufacturing	manufacturing	NOUN
gp-192	24	75	,	,	PUNCT
gp-192	24	76	small	small	ADJ
gp-192	24	77	industry	industry	NOUN
gp-192	24	78	and	and	CCONJ
gp-192	24	79	education	education	NOUN
gp-192	24	80	sectors	sector	NOUN
gp-192	24	81	,	,	PUNCT
gp-192	24	82	for	for	ADP
gp-192	24	83	example	example	NOUN
gp-192	24	84	manny	manny	PROPN
gp-192	24	85	et	et	PROPN
gp-192	24	86	al	al	PROPN
gp-192	24	87	.	.	PROPN
gp-192	24	88	,	,	PUNCT
gp-192	24	89	(	(	PUNCT
gp-192	24	90	2021	2021	NUM
gp-192	24	91	)	)	PUNCT
gp-192	24	92	,	,	PUNCT
gp-192	24	93	aditya	aditya	PROPN
gp-192	24	94	et	et	PROPN
gp-192	24	95	al	al	PROPN
gp-192	24	96	.	.	PROPN
gp-192	24	97	,	,	PUNCT
gp-192	24	98	(	(	PUNCT
gp-192	24	99	2022	2022	NUM
gp-192	24	100	)	)	PUNCT
gp-192	24	101	,	,	PUNCT
gp-192	24	102	agrawal	agrawal	PROPN
gp-192	24	103	et	et	PROPN
gp-192	24	104	al	al	PROPN
gp-192	24	105	.	.	PROPN
gp-192	24	106	,	,	PUNCT
gp-192	24	107	(	(	PUNCT
gp-192	24	108	2019	2019	NUM
gp-192	24	109	)	)	PUNCT
gp-192	24	110	.	.	PUNCT
gp-192	25	1	therefore	therefore	ADV
gp-192	25	2	,	,	PUNCT
gp-192	25	3	this	this	DET
gp-192	25	4	study	study	NOUN
gp-192	25	5	aims	aim	VERB
gp-192	25	6	to	to	PART
gp-192	25	7	explore	explore	VERB
gp-192	25	8	and	and	CCONJ
gp-192	25	9	analyze	analyze	VERB
gp-192	25	10	the	the	DET
gp-192	25	11	key	key	ADJ
gp-192	25	12	determinants	determinant	NOUN
gp-192	25	13	that	that	PRON
gp-192	25	14	influence	influence	VERB
gp-192	25	15	the	the	DET
gp-192	25	16	success	success	NOUN
gp-192	25	17	of	of	ADP
gp-192	25	18	digital	digital	ADJ
gp-192	25	19	transformation	transformation	NOUN
gp-192	25	20	management	management	NOUN
gp-192	25	21	at	at	ADP
gp-192	25	22	bpr	bpr	PROPN
gp-192	25	23	xyz	xyz	PROPN
gp-192	25	24	,	,	PUNCT
gp-192	25	25	with	with	ADP
gp-192	25	26	a	a	DET
gp-192	25	27	specific	specific	ADJ
gp-192	25	28	focus	focus	NOUN
gp-192	25	29	on	on	ADP
gp-192	25	30	identifying	identify	VERB
gp-192	25	31	internal	internal	ADJ
gp-192	25	32	and	and	CCONJ
gp-192	25	33	external	external	ADJ
gp-192	25	34	challenges	challenge	NOUN
gp-192	25	35	faced	face	VERB
gp-192	25	36	,	,	PUNCT
gp-192	25	37	evaluating	evaluate	VERB
gp-192	25	38	current	current	ADJ
gp-192	25	39	digital	digital	ADJ
gp-192	25	40	initiatives	initiative	NOUN
gp-192	25	41	,	,	PUNCT
gp-192	25	42	and	and	CCONJ
gp-192	25	43	proposing	propose	VERB
gp-192	25	44	strategic	strategic	ADJ
gp-192	25	45	recommendations	recommendation	NOUN
gp-192	25	46	to	to	PART
gp-192	25	47	enhance	enhance	VERB
gp-192	25	48	digital	digital	ADJ
gp-192	25	49	capability	capability	NOUN
gp-192	25	50	and	and	CCONJ
gp-192	25	51	competitiveness	competitiveness	NOUN
gp-192	25	52	in	in	ADP
gp-192	25	53	the	the	DET
gp-192	25	54	rural	rural	ADJ
gp-192	25	55	banking	banking	NOUN
gp-192	25	56	sector	sector	NOUN
gp-192	25	57	.	.	PUNCT
gp-192	26	1	this	this	DET
gp-192	26	2	research	research	NOUN
gp-192	26	3	seeks	seek	VERB
gp-192	26	4	to	to	PART
gp-192	26	5	fill	fill	VERB
gp-192	26	6	the	the	DET
gp-192	26	7	digital	digital	ADJ
gp-192	26	8	transformation	transformation	NOUN
gp-192	26	9	management	management	NOUN
gp-192	26	10	research	research	NOUN
gp-192	26	11	gap	gap	NOUN
gp-192	26	12	with	with	ADP
gp-192	26	13	the	the	DET
gp-192	26	14	aim	aim	NOUN
gp-192	26	15	of	of	ADP
gp-192	26	16	knowing	know	VERB
gp-192	26	17	the	the	DET
gp-192	26	18	determinants	determinant	NOUN
gp-192	26	19	of	of	ADP
gp-192	26	20	digital	digital	ADJ
gp-192	26	21	transformation	transformation	NOUN
gp-192	26	22	management	management	NOUN
gp-192	26	23	success	success	NOUN
gp-192	26	24	(	(	PUNCT
gp-192	26	25	mergel	mergel	NOUN
gp-192	26	26	et	et	PROPN
gp-192	26	27	al	al	PROPN
gp-192	26	28	.	.	PROPN
gp-192	26	29	,	,	PUNCT
gp-192	26	30	2019	2019	NUM
gp-192	26	31	)	)	PUNCT
gp-192	26	32	,	,	PUNCT
gp-192	26	33	with	with	ADP
gp-192	26	34	the	the	DET
gp-192	26	35	hope	hope	NOUN
gp-192	26	36	of	of	ADP
gp-192	26	37	identifying	identify	VERB
gp-192	26	38	the	the	DET
gp-192	26	39	obstacles	obstacle	NOUN
gp-192	26	40	and	and	CCONJ
gp-192	26	41	challenges	challenge	NOUN
gp-192	26	42	of	of	ADP
gp-192	26	43	digital	digital	ADJ
gp-192	26	44	transformation	transformation	NOUN
gp-192	26	45	faced	face	VERB
gp-192	26	46	primarily	primarily	ADV
gp-192	26	47	by	by	ADP
gp-192	26	48	the	the	DET
gp-192	26	49	financial	financial	ADJ
gp-192	26	50	services	service	NOUN
gp-192	26	51	industry	industry	NOUN
gp-192	26	52	and	and	CCONJ
gp-192	26	53	more	more	ADV
gp-192	26	54	specifically	specifically	ADV
gp-192	26	55	at	at	ADP
gp-192	26	56	rural	rural	ADJ
gp-192	26	57	banks	bank	NOUN
gp-192	26	58	.	.	PUNCT
gp-192	27	1	research	research	NOUN
gp-192	27	2	methods	method	NOUN
gp-192	27	3	based	base	VERB
gp-192	27	4	on	on	ADP
gp-192	27	5	the	the	DET
gp-192	27	6	problems	problem	NOUN
gp-192	27	7	stated	state	VERB
gp-192	27	8	in	in	ADP
gp-192	27	9	the	the	DET
gp-192	27	10	research	research	NOUN
gp-192	27	11	questions	question	NOUN
gp-192	27	12	,	,	PUNCT
gp-192	27	13	the	the	DET
gp-192	27	14	appropriate	appropriate	ADJ
gp-192	27	15	method	method	NOUN
gp-192	27	16	used	use	VERB
gp-192	27	17	in	in	ADP
gp-192	27	18	the	the	DET
gp-192	27	19	research	research	NOUN
gp-192	27	20	is	be	AUX
gp-192	27	21	qualitative	qualitative	ADJ
gp-192	27	22	research	research	NOUN
gp-192	27	23	methods	method	NOUN
gp-192	27	24	.	.	PUNCT
gp-192	28	1	according	accord	VERB
gp-192	28	2	to	to	ADP
gp-192	28	3	creswell	creswell	PROPN
gp-192	28	4	's	's	PART
gp-192	28	5	definition	definition	NOUN
gp-192	28	6	,	,	PUNCT
gp-192	28	7	qualitative	qualitative	ADJ
gp-192	28	8	methods	method	NOUN
gp-192	28	9	in	in	ADP
gp-192	28	10	research	research	NOUN
gp-192	28	11	are	be	AUX
gp-192	28	12	focused	focus	VERB
gp-192	28	13	on	on	ADP
gp-192	28	14	processes	process	NOUN
gp-192	28	15	that	that	PRON
gp-192	28	16	occur	occur	VERB
gp-192	28	17	by	by	ADP
gp-192	28	18	understanding	understand	VERB
gp-192	28	19	existing	exist	VERB
gp-192	28	20	symptoms	symptom	NOUN
gp-192	28	21	.	.	PUNCT
gp-192	29	1	this	this	DET
gp-192	29	2	research	research	NOUN
gp-192	29	3	focuses	focus	VERB
gp-192	29	4	on	on	ADP
gp-192	29	5	the	the	DET
gp-192	29	6	perception	perception	NOUN
gp-192	29	7	of	of	ADP
gp-192	29	8	a	a	DET
gp-192	29	9	person	person	NOUN
gp-192	29	10	based	base	VERB
gp-192	29	11	on	on	ADP
gp-192	29	12	his	his	PRON
gp-192	29	13	generation	generation	NOUN
gp-192	29	14	towards	towards	ADP
gp-192	29	15	the	the	DET
gp-192	29	16	organizational	organizational	ADJ
gp-192	29	17	transformation	transformation	NOUN
gp-192	29	18	process	process	NOUN
gp-192	29	19	.	.	PUNCT
gp-192	30	1	to	to	PART
gp-192	30	2	support	support	VERB
gp-192	30	3	qualitative	qualitative	ADJ
gp-192	30	4	research	research	NOUN
gp-192	30	5	,	,	PUNCT
gp-192	30	6	a	a	DET
gp-192	30	7	case	case	NOUN
gp-192	30	8	study	study	NOUN
gp-192	30	9	approach	approach	NOUN
gp-192	30	10	is	be	AUX
gp-192	30	11	used	use	VERB
gp-192	30	12	.	.	PUNCT
gp-192	31	1	case	case	NOUN
gp-192	31	2	study	study	NOUN
gp-192	31	3	research	research	NOUN
gp-192	31	4	is	be	AUX
gp-192	31	5	research	research	NOUN
gp-192	31	6	to	to	PART
gp-192	31	7	carefully	carefully	ADV
gp-192	31	8	investigate	investigate	VERB
gp-192	31	9	a	a	DET
gp-192	31	10	matter	matter	NOUN
gp-192	31	11	with	with	ADP
gp-192	31	12	complete	complete	ADJ
gp-192	31	13	information	information	NOUN
gp-192	31	14	collection	collection	NOUN
gp-192	31	15	using	use	VERB
gp-192	31	16	various	various	ADJ
gp-192	31	17	data	datum	NOUN
gp-192	31	18	collection	collection	NOUN
gp-192	31	19	procedures	procedure	NOUN
gp-192	31	20	.	.	PUNCT
gp-192	32	1	in	in	ADP
gp-192	32	2	addition	addition	NOUN
gp-192	32	3	,	,	PUNCT
gp-192	32	4	case	case	NOUN
gp-192	32	5	studies	study	NOUN
gp-192	32	6	are	be	AUX
gp-192	32	7	also	also	ADV
gp-192	32	8	conducted	conduct	VERB
gp-192	32	9	to	to	PART
gp-192	32	10	gain	gain	VERB
gp-192	32	11	a	a	DET
gp-192	32	12	deep	deep	ADJ
gp-192	32	13	understanding	understanding	NOUN
gp-192	32	14	and	and	CCONJ
gp-192	32	15	analyze	analyze	VERB
gp-192	32	16	more	more	ADV
gp-192	32	17	intensively	intensively	ADV
gp-192	32	18	about	about	ADP
gp-192	32	19	something	something	PRON
gp-192	32	20	against	against	ADP
gp-192	32	21	individuals	individual	NOUN
gp-192	32	22	,	,	PUNCT
gp-192	32	23	groups	group	NOUN
gp-192	32	24	,	,	PUNCT
gp-192	32	25	or	or	CCONJ
gp-192	32	26	akhmat	akhmat	NOUN
gp-192	32	27	mustofa	mustofa	NOUN
gp-192	32	28	,	,	PUNCT
gp-192	32	29	edy	edy	PROPN
gp-192	32	30	raharja	raharja	PROPN
gp-192	32	31	229	229	NUM
gp-192	32	32	situations	situation	NOUN
gp-192	32	33	.	.	PUNCT
gp-192	33	1	the	the	DET
gp-192	33	2	right	right	ADJ
gp-192	33	3	technique	technique	NOUN
gp-192	33	4	in	in	ADP
gp-192	33	5	determining	determine	VERB
gp-192	33	6	individual	individual	ADJ
gp-192	33	7	sampling	sampling	NOUN
gp-192	33	8	is	be	AUX
gp-192	33	9	done	do	VERB
gp-192	33	10	by	by	ADP
gp-192	33	11	finding	find	VERB
gp-192	33	12	the	the	DET
gp-192	33	13	right	right	ADJ
gp-192	33	14	data	datum	NOUN
gp-192	33	15	source	source	NOUN
gp-192	33	16	and	and	CCONJ
gp-192	33	17	being	be	AUX
gp-192	33	18	able	able	ADJ
gp-192	33	19	to	to	PART
gp-192	33	20	provide	provide	VERB
gp-192	33	21	the	the	DET
gp-192	33	22	best	good	ADJ
gp-192	33	23	information	information	NOUN
gp-192	33	24	in	in	ADP
gp-192	33	25	solving	solve	VERB
gp-192	33	26	research	research	NOUN
gp-192	33	27	problems	problem	NOUN
gp-192	33	28	.	.	PUNCT
gp-192	34	1	population	population	NOUN
gp-192	34	2	and	and	CCONJ
gp-192	34	3	research	research	NOUN
gp-192	34	4	samples	sample	NOUN
gp-192	34	5	,	,	PUNCT
gp-192	34	6	this	this	DET
gp-192	34	7	research	research	NOUN
gp-192	34	8	was	be	AUX
gp-192	34	9	conducted	conduct	VERB
gp-192	34	10	at	at	ADP
gp-192	34	11	pt	pt	PROPN
gp-192	34	12	bpr	bpr	PROPN
gp-192	34	13	xyz	xyz	PROPN
gp-192	34	14	,	,	PUNCT
gp-192	34	15	previously	previously	ADV
gp-192	34	16	the	the	DET
gp-192	34	17	researcher	researcher	NOUN
gp-192	34	18	had	have	AUX
gp-192	34	19	obtained	obtain	VERB
gp-192	34	20	permission	permission	NOUN
gp-192	34	21	to	to	PART
gp-192	34	22	conduct	conduct	VERB
gp-192	34	23	research	research	NOUN
gp-192	34	24	at	at	ADP
gp-192	34	25	this	this	DET
gp-192	34	26	company	company	NOUN
gp-192	34	27	.	.	PUNCT
gp-192	35	1	the	the	DET
gp-192	35	2	number	number	NOUN
gp-192	35	3	of	of	ADP
gp-192	35	4	employees	employee	NOUN
gp-192	35	5	at	at	ADP
gp-192	35	6	pt	pt	PROPN
gp-192	35	7	bpr	bpr	PROPN
gp-192	35	8	xyz	xyz	PROPN
gp-192	35	9	is	be	AUX
gp-192	35	10	181	181	NUM
gp-192	35	11	employees	employee	NOUN
gp-192	35	12	.	.	PUNCT
gp-192	36	1	the	the	DET
gp-192	36	2	sample	sample	NOUN
gp-192	36	3	was	be	AUX
gp-192	36	4	selected	select	VERB
gp-192	36	5	to	to	PART
gp-192	36	6	explain	explain	VERB
gp-192	36	7	employee	employee	NOUN
gp-192	36	8	involvement	involvement	NOUN
gp-192	36	9	in	in	ADP
gp-192	36	10	the	the	DET
gp-192	36	11	digital	digital	ADJ
gp-192	36	12	transformation	transformation	NOUN
gp-192	36	13	process	process	NOUN
gp-192	36	14	that	that	PRON
gp-192	36	15	has	have	AUX
gp-192	36	16	and	and	CCONJ
gp-192	36	17	is	be	AUX
gp-192	36	18	happening	happen	VERB
gp-192	36	19	at	at	ADP
gp-192	36	20	pt	pt	PROPN
gp-192	36	21	bpr	bpr	PROPN
gp-192	36	22	xyz	xyz	PROPN
gp-192	36	23	.	.	PUNCT
gp-192	37	1	participants	participant	NOUN
gp-192	37	2	are	be	AUX
gp-192	37	3	assigned	assign	VERB
gp-192	37	4	to	to	ADP
gp-192	37	5	several	several	ADJ
gp-192	37	6	levels	level	NOUN
gp-192	37	7	or	or	CCONJ
gp-192	37	8	roles	role	NOUN
gp-192	37	9	that	that	PRON
gp-192	37	10	describe	describe	VERB
gp-192	37	11	the	the	DET
gp-192	37	12	transformation	transformation	NOUN
gp-192	37	13	process	process	NOUN
gp-192	37	14	at	at	ADP
gp-192	37	15	each	each	DET
gp-192	37	16	level	level	NOUN
gp-192	37	17	.	.	PUNCT
gp-192	38	1	the	the	DET
gp-192	38	2	expected	expect	VERB
gp-192	38	3	goal	goal	NOUN
gp-192	38	4	is	be	AUX
gp-192	38	5	to	to	PART
gp-192	38	6	obtain	obtain	VERB
gp-192	38	7	more	more	ADJ
gp-192	38	8	in	in	ADP
gp-192	38	9	-	-	PUNCT
gp-192	38	10	depth	depth	NOUN
gp-192	38	11	and	and	CCONJ
gp-192	38	12	objective	objective	ADJ
gp-192	38	13	information	information	NOUN
gp-192	38	14	by	by	ADP
gp-192	38	15	looking	look	VERB
gp-192	38	16	at	at	ADP
gp-192	38	17	several	several	ADJ
gp-192	38	18	different	different	ADJ
gp-192	38	19	levels	level	NOUN
gp-192	38	20	.	.	PUNCT
gp-192	39	1	the	the	DET
gp-192	39	2	following	follow	VERB
gp-192	39	3	is	be	AUX
gp-192	39	4	the	the	DET
gp-192	39	5	population	population	NOUN
gp-192	39	6	and	and	CCONJ
gp-192	39	7	sample	sample	NOUN
gp-192	39	8	of	of	ADP
gp-192	39	9	this	this	DET
gp-192	39	10	research	research	NOUN
gp-192	39	11	which	which	PRON
gp-192	39	12	will	will	AUX
gp-192	39	13	be	be	AUX
gp-192	39	14	conducted	conduct	VERB
gp-192	39	15	at	at	ADP
gp-192	39	16	pt	pt	PROPN
gp-192	39	17	bpr	bpr	PROPN
gp-192	39	18	xyz	xyz	PROPN
gp-192	39	19	.	.	PUNCT
gp-192	40	1	table	table	NOUN
gp-192	40	2	1	1	NUM
gp-192	40	3	.	.	PUNCT
gp-192	41	1	population	population	NOUN
gp-192	41	2	and	and	CCONJ
gp-192	41	3	sample	sample	NOUN
gp-192	41	4	informant	informant	NOUN
gp-192	41	5	population	population	NOUN
gp-192	41	6	sample	sample	NOUN
gp-192	41	7	directors	director	NOUN
gp-192	41	8	3	3	NUM
gp-192	41	9	2	2	NUM
gp-192	41	10	head	head	NOUN
gp-192	41	11	of	of	ADP
gp-192	41	12	information	information	NOUN
gp-192	41	13	technology	technology	NOUN
gp-192	41	14	section	section	NOUN
gp-192	41	15	,	,	PUNCT
gp-192	41	16	1	1	NUM
gp-192	41	17	1	1	NUM
gp-192	41	18	information	information	NOUN
gp-192	41	19	technology	technology	NOUN
gp-192	41	20	section	section	NOUN
gp-192	41	21	employee	employee	NOUN
gp-192	41	22	2	2	NUM
gp-192	41	23	1	1	NUM
gp-192	41	24	head	head	NOUN
gp-192	41	25	of	of	ADP
gp-192	41	26	operations	operation	NOUN
gp-192	41	27	1	1	NUM
gp-192	41	28	1	1	NUM
gp-192	41	29	total	total	NOUN
gp-192	41	30	7	7	NUM
gp-192	41	31	5	5	NUM
gp-192	41	32	data	datum	NOUN
gp-192	41	33	collection	collection	NOUN
gp-192	41	34	can	can	AUX
gp-192	41	35	be	be	AUX
gp-192	41	36	done	do	VERB
gp-192	41	37	through	through	ADP
gp-192	41	38	direct	direct	ADJ
gp-192	41	39	face	face	NOUN
gp-192	41	40	-	-	PUNCT
gp-192	41	41	to	to	ADP
gp-192	41	42	-	-	PUNCT
gp-192	41	43	face	face	NOUN
gp-192	41	44	interviews	interview	NOUN
gp-192	41	45	,	,	PUNCT
gp-192	41	46	qualitative	qualitative	ADJ
gp-192	41	47	observations	observation	NOUN
gp-192	41	48	,	,	PUNCT
gp-192	41	49	photo	photo	NOUN
gp-192	41	50	documentation	documentation	NOUN
gp-192	41	51	and	and	CCONJ
gp-192	41	52	audio	audio	NOUN
gp-192	41	53	recordings	recording	NOUN
gp-192	41	54	.	.	PUNCT
gp-192	42	1	result	result	NOUN
gp-192	42	2	and	and	CCONJ
gp-192	42	3	discussion	discussion	NOUN
gp-192	42	4	central	central	PROPN
gp-192	42	5	java	java	PROPN
gp-192	42	6	is	be	AUX
gp-192	42	7	a	a	DET
gp-192	42	8	province	province	NOUN
gp-192	42	9	with	with	ADP
gp-192	42	10	the	the	DET
gp-192	42	11	largest	large	ADJ
gp-192	42	12	number	number	NOUN
gp-192	42	13	of	of	ADP
gp-192	42	14	rural	rural	ADJ
gp-192	42	15	banks	bank	NOUN
gp-192	42	16	,	,	PUNCT
gp-192	42	17	pt	pt	PROPN
gp-192	42	18	bpr	bpr	PROPN
gp-192	42	19	xyz	xyz	PROPN
gp-192	42	20	is	be	AUX
gp-192	42	21	one	one	NUM
gp-192	42	22	of	of	ADP
gp-192	42	23	the	the	DET
gp-192	42	24	bprs	bprs	NOUN
gp-192	42	25	owned	own	VERB
gp-192	42	26	by	by	ADP
gp-192	42	27	individuals	individual	NOUN
gp-192	42	28	with	with	ADP
gp-192	42	29	the	the	DET
gp-192	42	30	largest	large	ADJ
gp-192	42	31	total	total	ADJ
gp-192	42	32	assets	asset	NOUN
gp-192	42	33	in	in	ADP
gp-192	42	34	central	central	ADJ
gp-192	42	35	java	java	NOUN
gp-192	42	36	.	.	PUNCT
gp-192	43	1	the	the	DET
gp-192	43	2	operational	operational	ADJ
gp-192	43	3	area	area	NOUN
gp-192	43	4	of	of	ADP
gp-192	43	5	bpr	bpr	PROPN
gp-192	43	6	xyz	xyz	PROPN
gp-192	43	7	covers	cover	VERB
gp-192	43	8	all	all	PRON
gp-192	43	9	of	of	ADP
gp-192	43	10	central	central	ADJ
gp-192	43	11	java	java	NOUN
gp-192	43	12	,	,	PUNCT
gp-192	43	13	with	with	ADP
gp-192	43	14	a	a	DET
gp-192	43	15	concentration	concentration	NOUN
gp-192	43	16	in	in	ADP
gp-192	43	17	3	3	NUM
gp-192	43	18	main	main	ADJ
gp-192	43	19	regions	region	NOUN
gp-192	43	20	;	;	PUNCT
gp-192	43	21	bpr	bpr	PRON
gp-192	43	22	xyz	xyz	PROPN
gp-192	43	23	's	's	PART
gp-192	43	24	office	office	NOUN
gp-192	43	25	network	network	NOUN
gp-192	43	26	covers	cover	VERB
gp-192	43	27	the	the	DET
gp-192	43	28	entire	entire	ADJ
gp-192	43	29	central	central	ADJ
gp-192	43	30	java	java	PROPN
gp-192	43	31	region	region	NOUN
gp-192	43	32	.	.	PUNCT
gp-192	44	1	as	as	ADP
gp-192	44	2	of	of	ADP
gp-192	44	3	december	december	PROPN
gp-192	44	4	2022	2022	NUM
gp-192	44	5	,	,	PUNCT
gp-192	44	6	bpr	bpr	PRON
gp-192	44	7	xyz	xyz	PROPN
gp-192	44	8	has	have	VERB
gp-192	44	9	1	1	NUM
gp-192	44	10	(	(	PUNCT
gp-192	44	11	one	one	NUM
gp-192	44	12	)	)	PUNCT
gp-192	44	13	head	head	NOUN
gp-192	44	14	office	office	NOUN
gp-192	44	15	,	,	PUNCT
gp-192	44	16	2	2	NUM
gp-192	44	17	(	(	PUNCT
gp-192	44	18	two	two	NUM
gp-192	44	19	)	)	PUNCT
gp-192	44	20	branch	branch	NOUN
gp-192	44	21	offices	office	NOUN
gp-192	44	22	,	,	PUNCT
gp-192	44	23	and	and	CCONJ
gp-192	44	24	11	11	NUM
gp-192	44	25	(	(	PUNCT
gp-192	44	26	eleven	eleven	NUM
gp-192	44	27	)	)	PUNCT
gp-192	44	28	cash	cash	NOUN
gp-192	44	29	offices	office	NOUN
gp-192	44	30	.	.	PUNCT
gp-192	45	1	bpr	bpr	PROPN
gp-192	45	2	xyz	xyz	PROPN
gp-192	45	3	provides	provide	VERB
gp-192	45	4	a	a	DET
gp-192	45	5	variety	variety	NOUN
gp-192	45	6	of	of	ADP
gp-192	45	7	banking	banking	NOUN
gp-192	45	8	services	service	NOUN
gp-192	45	9	,	,	PUNCT
gp-192	45	10	with	with	ADP
gp-192	45	11	the	the	DET
gp-192	45	12	main	main	ADJ
gp-192	45	13	products	product	NOUN
gp-192	45	14	being	be	AUX
gp-192	45	15	loans	loan	NOUN
gp-192	45	16	,	,	PUNCT
gp-192	45	17	savings	saving	NOUN
gp-192	45	18	and	and	CCONJ
gp-192	45	19	time	time	NOUN
gp-192	45	20	deposits	deposit	NOUN
gp-192	45	21	.	.	PUNCT
gp-192	46	1	in	in	ADP
gp-192	46	2	addition	addition	NOUN
gp-192	46	3	to	to	ADP
gp-192	46	4	banking	banking	NOUN
gp-192	46	5	products	product	NOUN
gp-192	46	6	,	,	PUNCT
gp-192	46	7	bpr	bpr	PROPN
gp-192	46	8	xyz	xyz	PROPN
gp-192	46	9	also	also	ADV
gp-192	46	10	offers	offer	VERB
gp-192	46	11	services	service	NOUN
gp-192	46	12	and	and	CCONJ
gp-192	46	13	conveniences	convenience	NOUN
gp-192	46	14	in	in	ADP
gp-192	46	15	banking	banking	NOUN
gp-192	46	16	,	,	PUNCT
gp-192	46	17	including	include	VERB
gp-192	46	18	the	the	DET
gp-192	46	19	bpr	bpr	PROPN
gp-192	46	20	xyz	xyz	PROPN
gp-192	46	21	hotline	hotline	NOUN
gp-192	46	22	and	and	CCONJ
gp-192	46	23	e	e	NOUN
gp-192	46	24	-	-	NOUN
gp-192	46	25	form	form	NOUN
gp-192	46	26	service	service	NOUN
gp-192	46	27	.	.	PUNCT
gp-192	47	1	participants	participant	NOUN
gp-192	47	2	in	in	ADP
gp-192	47	3	this	this	DET
gp-192	47	4	study	study	NOUN
gp-192	47	5	are	be	AUX
gp-192	47	6	decision	decision	NOUN
gp-192	47	7	makers	maker	NOUN
gp-192	47	8	and	and	CCONJ
gp-192	47	9	those	those	PRON
gp-192	47	10	who	who	PRON
gp-192	47	11	have	have	VERB
gp-192	47	12	a	a	DET
gp-192	47	13	direct	direct	ADJ
gp-192	47	14	role	role	NOUN
gp-192	47	15	in	in	ADP
gp-192	47	16	the	the	DET
gp-192	47	17	digital	digital	ADJ
gp-192	47	18	service	service	NOUN
gp-192	47	19	transformation	transformation	NOUN
gp-192	47	20	process	process	NOUN
gp-192	47	21	at	at	ADP
gp-192	47	22	pt	pt	PROPN
gp-192	47	23	bpr	bpr	PROPN
gp-192	47	24	xyz	xyz	PROPN
gp-192	47	25	,	,	PUNCT
gp-192	47	26	which	which	PRON
gp-192	47	27	is	be	AUX
gp-192	47	28	divided	divide	VERB
gp-192	47	29	into	into	ADP
gp-192	47	30	3	3	NUM
gp-192	47	31	(	(	PUNCT
gp-192	47	32	three	three	NUM
gp-192	47	33	)	)	PUNCT
gp-192	47	34	categories	category	NOUN
gp-192	47	35	according	accord	VERB
gp-192	47	36	to	to	ADP
gp-192	47	37	their	their	PRON
gp-192	47	38	role	role	NOUN
gp-192	47	39	in	in	ADP
gp-192	47	40	digital	digital	ADJ
gp-192	47	41	transformation	transformation	NOUN
gp-192	47	42	,	,	PUNCT
gp-192	47	43	namely	namely	ADV
gp-192	47	44	the	the	DET
gp-192	47	45	board	board	NOUN
gp-192	47	46	of	of	ADP
gp-192	47	47	directors	director	NOUN
gp-192	47	48	,	,	PUNCT
gp-192	47	49	head	head	NOUN
gp-192	47	50	of	of	ADP
gp-192	47	51	it	it	PRON
gp-192	47	52	,	,	PUNCT
gp-192	47	53	it	it	PRON
gp-192	47	54	employees	employee	NOUN
gp-192	47	55	,	,	PUNCT
gp-192	47	56	head	head	NOUN
gp-192	47	57	of	of	ADP
gp-192	47	58	operations	operation	NOUN
gp-192	47	59	,	,	PUNCT
gp-192	47	60	head	head	NOUN
gp-192	47	61	of	of	ADP
gp-192	47	62	marketing	marketing	NOUN
gp-192	47	63	and	and	CCONJ
gp-192	47	64	marketing	marketing	NOUN
gp-192	47	65	.	.	PUNCT
gp-192	48	1	with	with	ADP
gp-192	48	2	the	the	DET
gp-192	48	3	limitations	limitation	NOUN
gp-192	48	4	of	of	ADP
gp-192	48	5	bpr	bpr	NOUN
gp-192	48	6	business	business	NOUN
gp-192	48	7	activities	activity	NOUN
gp-192	48	8	compared	compare	VERB
gp-192	48	9	to	to	ADP
gp-192	48	10	commercial	commercial	ADJ
gp-192	48	11	banks	bank	NOUN
gp-192	48	12	,	,	PUNCT
gp-192	48	13	ojk	ojk	NOUN
gp-192	48	14	as	as	ADP
gp-192	48	15	a	a	DET
gp-192	48	16	regulator	regulator	NOUN
gp-192	48	17	,	,	PUNCT
gp-192	48	18	encourages	encourage	VERB
gp-192	48	19	service	service	NOUN
gp-192	48	20	digitization	digitization	NOUN
gp-192	48	21	through	through	ADP
gp-192	48	22	the	the	DET
gp-192	48	23	indonesian	indonesian	ADJ
gp-192	48	24	banking	banking	PROPN
gp-192	48	25	development	development	NOUN
gp-192	48	26	roadmap	roadmap	PROPN
gp-192	48	27	for	for	ADP
gp-192	48	28	bpr	bpr	ADV
gp-192	48	29	in	in	ADP
gp-192	48	30	2021	2021	NUM
gp-192	48	31	–	–	PUNCT
gp-192	48	32	2025	2025	NUM
gp-192	48	33	(	(	PUNCT
gp-192	48	34	jameaba	jameaba	PROPN
gp-192	48	35	,	,	PUNCT
gp-192	48	36	2022	2022	NUM
gp-192	48	37	)	)	PUNCT
gp-192	48	38	,	,	PUNCT
gp-192	48	39	which	which	PRON
gp-192	48	40	contains	contain	VERB
gp-192	48	41	digital	digital	ADJ
gp-192	48	42	service	service	NOUN
gp-192	48	43	development	development	NOUN
gp-192	48	44	options	option	NOUN
gp-192	48	45	,	,	PUNCT
gp-192	48	46	among	among	ADP
gp-192	48	47	others	other	NOUN
gp-192	48	48	:	:	PUNCT
gp-192	48	49	american	american	PROPN
gp-192	48	50	journal	journal	PROPN
gp-192	48	51	of	of	ADP
gp-192	48	52	economic	economic	ADJ
gp-192	48	53	and	and	CCONJ
gp-192	48	54	management	management	NOUN
gp-192	48	55	business	business	NOUN
gp-192	48	56	vol	vol	NOUN
gp-192	48	57	.	.	PROPN
gp-192	49	1	4	4	NUM
gp-192	50	1	no	no	NOUN
gp-192	50	2	.	.	NOUN
gp-192	51	1	3	3	NUM
gp-192	51	2	march	march	NOUN
gp-192	51	3	2025	2025	NUM
gp-192	51	4	230	230	NUM
gp-192	51	5	table	table	NOUN
gp-192	51	6	2	2	NUM
gp-192	51	7	.	.	X
gp-192	51	8	indonesian	indonesian	ADJ
gp-192	51	9	banking	banking	PROPN
gp-192	51	10	development	development	NOUN
gp-192	51	11	roadmap	roadmap	PROPN
gp-192	51	12	for	for	ADP
gp-192	51	13	bpr	bpr	ADV
gp-192	51	14	in	in	ADP
gp-192	51	15	2021	2021	NUM
gp-192	51	16	2025	2025	NUM
gp-192	51	17	category	category	NOUN
gp-192	51	18	digital	digital	PROPN
gp-192	51	19	development	development	NOUN
gp-192	51	20	options	option	NOUN
gp-192	51	21	product	product	NOUN
gp-192	51	22	digitization	digitization	NOUN
gp-192	51	23	service	service	NOUN
gp-192	51	24	mobile	mobile	ADJ
gp-192	51	25	banking	banking	NOUN
gp-192	51	26	and	and	CCONJ
gp-192	51	27	internet	internet	NOUN
gp-192	51	28	banking	banking	NOUN
gp-192	51	29	qris	qris	NOUN
gp-192	51	30	(	(	PUNCT
gp-192	51	31	qr	qr	PROPN
gp-192	51	32	code	code	PROPN
gp-192	51	33	indonesian	indonesian	PROPN
gp-192	51	34	standard	standard	PROPN
gp-192	51	35	)	)	PUNCT
gp-192	51	36	development	development	NOUN
gp-192	51	37	digital	digital	ADJ
gp-192	51	38	savings	saving	NOUN
gp-192	51	39	and	and	CCONJ
gp-192	51	40	deposits	deposit	NOUN
gp-192	51	41	collaboration	collaboration	NOUN
gp-192	51	42	with	with	ADP
gp-192	51	43	fintech	fintech	NOUN
gp-192	51	44	cooperation	cooperation	NOUN
gp-192	51	45	with	with	ADP
gp-192	51	46	peer	peer	NOUN
gp-192	51	47	-	-	PUNCT
gp-192	51	48	to	to	ADP
gp-192	51	49	-	-	PUNCT
gp-192	51	50	peer	peer	NOUN
gp-192	51	51	(	(	PUNCT
gp-192	51	52	p2p	p2p	NOUN
gp-192	51	53	)	)	PUNCT
gp-192	51	54	lending	lending	NOUN
gp-192	51	55	api	api	NOUN
gp-192	51	56	integration	integration	NOUN
gp-192	51	57	for	for	ADP
gp-192	51	58	digital	digital	ADJ
gp-192	51	59	services	service	NOUN
gp-192	51	60	internal	internal	ADJ
gp-192	51	61	operational	operational	ADJ
gp-192	51	62	transformation	transformation	NOUN
gp-192	51	63	adoption	adoption	NOUN
gp-192	51	64	of	of	ADP
gp-192	51	65	modern	modern	ADJ
gp-192	51	66	core	core	NOUN
gp-192	51	67	banking	banking	NOUN
gp-192	51	68	system	system	NOUN
gp-192	51	69	use	use	NOUN
gp-192	51	70	of	of	ADP
gp-192	51	71	cloud	cloud	NOUN
gp-192	51	72	computing	computing	NOUN
gp-192	51	73	for	for	ADP
gp-192	51	74	digital	digital	ADJ
gp-192	51	75	infrastructure	infrastructure	NOUN
gp-192	51	76	process	process	NOUN
gp-192	51	77	automation	automation	NOUN
gp-192	51	78	with	with	ADP
gp-192	51	79	robotic	robotic	ADJ
gp-192	51	80	process	process	NOUN
gp-192	51	81	automation	automation	NOUN
gp-192	51	82	(	(	PUNCT
gp-192	51	83	rpa	rpa	PROPN
gp-192	51	84	)	)	PUNCT
gp-192	51	85	digital	digital	ADJ
gp-192	51	86	security	security	NOUN
gp-192	51	87	and	and	CCONJ
gp-192	51	88	compliance	compliance	NOUN
gp-192	51	89	cybersecurity	cybersecurity	NOUN
gp-192	51	90	implementation	implementation	NOUN
gp-192	51	91	for	for	ADP
gp-192	51	92	digital	digital	ADJ
gp-192	51	93	transaction	transaction	NOUN
gp-192	51	94	protection	protection	NOUN
gp-192	51	95	compliance	compliance	NOUN
gp-192	51	96	with	with	ADP
gp-192	51	97	ojk	ojk	NOUN
gp-192	51	98	regulatory	regulatory	ADJ
gp-192	51	99	standards	standard	NOUN
gp-192	51	100	related	relate	VERB
gp-192	51	101	to	to	ADP
gp-192	51	102	information	information	NOUN
gp-192	51	103	technology	technology	NOUN
gp-192	51	104	and	and	CCONJ
gp-192	51	105	data	datum	NOUN
gp-192	51	106	protection	protection	NOUN
gp-192	51	107	digital	digital	ADJ
gp-192	51	108	literacy	literacy	NOUN
gp-192	51	109	improvement	improvement	NOUN
gp-192	51	110	educate	educate	VERB
gp-192	51	111	customers	customer	NOUN
gp-192	51	112	about	about	ADP
gp-192	51	113	digital	digital	ADJ
gp-192	51	114	services	service	NOUN
gp-192	51	115	mentoring	mentor	VERB
gp-192	51	116	program	program	NOUN
gp-192	51	117	for	for	ADP
gp-192	51	118	new	new	ADJ
gp-192	51	119	customers	customer	NOUN
gp-192	51	120	local	local	ADJ
gp-192	51	121	digital	digital	PROPN
gp-192	51	122	ecosystem	ecosystem	NOUN
gp-192	51	123	development	development	NOUN
gp-192	51	124	cooperation	cooperation	NOUN
gp-192	51	125	with	with	ADP
gp-192	51	126	msmes	msme	NOUN
gp-192	51	127	for	for	ADP
gp-192	51	128	digitization	digitization	NOUN
gp-192	51	129	and	and	CCONJ
gp-192	51	130	access	access	NOUN
gp-192	51	131	to	to	ADP
gp-192	51	132	finance	finance	NOUN
gp-192	51	133	digitalization	digitalization	NOUN
gp-192	51	134	of	of	ADP
gp-192	51	135	local	local	ADJ
gp-192	51	136	communities	community	NOUN
gp-192	51	137	based	base	VERB
gp-192	51	138	on	on	ADP
gp-192	51	139	bpr	bpr	PROPN
gp-192	51	140	services	service	NOUN
gp-192	51	141	adoption	adoption	NOUN
gp-192	51	142	of	of	ADP
gp-192	51	143	innovative	innovative	ADJ
gp-192	51	144	technology	technology	NOUN
gp-192	51	145	big	big	ADJ
gp-192	51	146	data	datum	NOUN
gp-192	51	147	and	and	CCONJ
gp-192	51	148	analytics	analytic	NOUN
gp-192	51	149	for	for	ADP
gp-192	51	150	product	product	NOUN
gp-192	51	151	personalization	personalization	NOUN
gp-192	51	152	artificial	artificial	ADJ
gp-192	51	153	intelligence	intelligence	NOUN
gp-192	51	154	(	(	PUNCT
gp-192	51	155	ai	ai	NOUN
gp-192	51	156	)	)	PUNCT
gp-192	51	157	for	for	ADP
gp-192	51	158	customer	customer	NOUN
gp-192	51	159	service	service	NOUN
gp-192	51	160	and	and	CCONJ
gp-192	51	161	risk	risk	NOUN
gp-192	51	162	analytics	analytic	NOUN
gp-192	51	163	blockchain	blockchain	NOUN
gp-192	51	164	for	for	ADP
gp-192	51	165	transparency	transparency	NOUN
gp-192	51	166	and	and	CCONJ
gp-192	51	167	transaction	transaction	NOUN
gp-192	51	168	security	security	NOUN
gp-192	51	169	digital	digital	ADJ
gp-192	51	170	-	-	PUNCT
gp-192	51	171	only	only	ADV
gp-192	51	172	banking	banking	NOUN
gp-192	51	173	development	development	NOUN
gp-192	51	174	of	of	ADP
gp-192	51	175	virtual	virtual	ADJ
gp-192	51	176	branch	branch	NOUN
gp-192	51	177	services	service	NOUN
gp-192	51	178	or	or	CCONJ
gp-192	51	179	digital	digital	ADJ
gp-192	51	180	-	-	PUNCT
gp-192	51	181	only	only	ADV
gp-192	51	182	banks	bank	NOUN
gp-192	51	183	table	table	VERB
gp-192	51	184	3	3	NUM
gp-192	51	185	.	.	PUNCT
gp-192	52	1	the	the	DET
gp-192	52	2	digitization	digitization	NOUN
gp-192	52	3	of	of	ADP
gp-192	52	4	services	service	NOUN
gp-192	52	5	provided	provide	VERB
gp-192	52	6	by	by	ADP
gp-192	52	7	bpr	bpr	PROPN
gp-192	52	8	xyz	xyz	PROPN
gp-192	52	9	digital	digital	PROPN
gp-192	52	10	services	service	NOUN
gp-192	52	11	description	description	NOUN
gp-192	52	12	virtual	virtual	ADJ
gp-192	52	13	account	account	VERB
gp-192	52	14	virtual	virtual	ADJ
gp-192	52	15	account	account	NOUN
gp-192	52	16	facilities	facility	NOUN
gp-192	52	17	that	that	PRON
gp-192	52	18	can	can	AUX
gp-192	52	19	be	be	AUX
gp-192	52	20	utilized	utilize	VERB
gp-192	52	21	by	by	ADP
gp-192	52	22	customers	customer	NOUN
gp-192	52	23	to	to	PART
gp-192	52	24	be	be	AUX
gp-192	52	25	able	able	ADJ
gp-192	52	26	to	to	PART
gp-192	52	27	make	make	VERB
gp-192	52	28	deposits	deposit	NOUN
gp-192	52	29	to	to	ADP
gp-192	52	30	existing	exist	VERB
gp-192	52	31	accounts	account	NOUN
gp-192	52	32	at	at	ADP
gp-192	52	33	bpr	bpr	ADP
gp-192	52	34	xyz	xyz	PROPN
gp-192	52	35	through	through	ADP
gp-192	52	36	transfer	transfer	NOUN
gp-192	52	37	facilities	facility	NOUN
gp-192	52	38	at	at	ADP
gp-192	52	39	commercial	commercial	ADJ
gp-192	52	40	banks	bank	NOUN
gp-192	52	41	,	,	PUNCT
gp-192	52	42	this	this	DET
gp-192	52	43	service	service	NOUN
gp-192	52	44	is	be	AUX
gp-192	52	45	in	in	ADP
gp-192	52	46	collaboration	collaboration	NOUN
gp-192	52	47	with	with	ADP
gp-192	52	48	one	one	NUM
gp-192	52	49	of	of	ADP
gp-192	52	50	the	the	DET
gp-192	52	51	commercial	commercial	ADJ
gp-192	52	52	banks	bank	NOUN
gp-192	52	53	.	.	PUNCT
gp-192	53	1	e	e	X
gp-192	53	2	-	-	NOUN
gp-192	53	3	form	form	VERB
gp-192	53	4	this	this	DET
gp-192	53	5	e	e	NOUN
gp-192	53	6	-	-	NOUN
gp-192	53	7	form	form	NOUN
gp-192	53	8	is	be	AUX
gp-192	53	9	available	available	ADJ
gp-192	53	10	on	on	ADP
gp-192	53	11	the	the	DET
gp-192	53	12	bpr	bpr	PROPN
gp-192	53	13	xyz	xyz	PROPN
gp-192	53	14	website	website	NOUN
gp-192	53	15	which	which	PRON
gp-192	53	16	can	can	AUX
gp-192	53	17	be	be	AUX
gp-192	53	18	used	use	VERB
gp-192	53	19	by	by	ADP
gp-192	53	20	prospective	prospective	ADJ
gp-192	53	21	customers	customer	NOUN
gp-192	53	22	to	to	PART
gp-192	53	23	submit	submit	VERB
gp-192	53	24	credit	credit	NOUN
gp-192	53	25	applications	application	NOUN
gp-192	53	26	,	,	PUNCT
gp-192	53	27	open	open	ADJ
gp-192	53	28	deposit	deposit	NOUN
gp-192	53	29	accounts	account	NOUN
gp-192	53	30	,	,	PUNCT
gp-192	53	31	however	however	ADV
gp-192	53	32	,	,	PUNCT
gp-192	53	33	the	the	DET
gp-192	53	34	service	service	NOUN
gp-192	53	35	is	be	AUX
gp-192	53	36	still	still	ADV
gp-192	53	37	limited	limit	VERB
gp-192	53	38	to	to	ADP
gp-192	53	39	collecting	collect	VERB
gp-192	53	40	initial	initial	ADJ
gp-192	53	41	data	datum	NOUN
gp-192	53	42	,	,	PUNCT
gp-192	53	43	the	the	DET
gp-192	53	44	next	next	ADJ
gp-192	53	45	process	process	NOUN
gp-192	53	46	is	be	AUX
gp-192	53	47	still	still	ADV
gp-192	53	48	carried	carry	VERB
gp-192	53	49	out	out	ADP
gp-192	53	50	conventionally	conventionally	ADV
gp-192	53	51	.	.	PUNCT
gp-192	54	1	akhmat	akhmat	NOUN
gp-192	54	2	mustofa	mustofa	PROPN
gp-192	54	3	,	,	PUNCT
gp-192	54	4	edy	edy	PROPN
gp-192	54	5	raharja	raharja	PROPN
gp-192	54	6	231	231	NUM
gp-192	54	7	the	the	DET
gp-192	54	8	results	result	NOUN
gp-192	54	9	of	of	ADP
gp-192	54	10	this	this	DET
gp-192	54	11	study	study	NOUN
gp-192	54	12	seek	seek	VERB
gp-192	54	13	to	to	PART
gp-192	54	14	take	take	VERB
gp-192	54	15	a	a	DET
gp-192	54	16	closer	close	ADJ
gp-192	54	17	look	look	NOUN
gp-192	54	18	at	at	ADP
gp-192	54	19	the	the	DET
gp-192	54	20	digital	digital	ADJ
gp-192	54	21	service	service	NOUN
gp-192	54	22	transformation	transformation	NOUN
gp-192	54	23	management	management	NOUN
gp-192	54	24	process	process	NOUN
gp-192	54	25	that	that	PRON
gp-192	54	26	has	have	AUX
gp-192	54	27	been	be	AUX
gp-192	54	28	carried	carry	VERB
gp-192	54	29	out	out	ADP
gp-192	54	30	at	at	ADP
gp-192	54	31	pt	pt	PROPN
gp-192	54	32	bpr	bpr	PROPN
gp-192	54	33	xyz	xyz	PROPN
gp-192	54	34	,	,	PUNCT
gp-192	54	35	by	by	ADP
gp-192	54	36	looking	look	VERB
gp-192	54	37	at	at	ADP
gp-192	54	38	the	the	DET
gp-192	54	39	barriers	barrier	NOUN
gp-192	54	40	and	and	CCONJ
gp-192	54	41	challenges	challenge	NOUN
gp-192	54	42	to	to	PART
gp-192	54	43	change	change	VERB
gp-192	54	44	in	in	ADP
gp-192	54	45	the	the	DET
gp-192	54	46	digital	digital	ADJ
gp-192	54	47	service	service	NOUN
gp-192	54	48	transformation	transformation	NOUN
gp-192	54	49	process	process	NOUN
gp-192	54	50	.	.	PUNCT
gp-192	55	1	digital	digital	ADJ
gp-192	55	2	transformation	transformation	NOUN
gp-192	55	3	management	management	NOUN
gp-192	55	4	process	process	NOUN
gp-192	55	5	the	the	DET
gp-192	55	6	digital	digital	ADJ
gp-192	55	7	change	change	NOUN
gp-192	55	8	management	management	NOUN
gp-192	55	9	process	process	NOUN
gp-192	55	10	in	in	ADP
gp-192	55	11	a	a	DET
gp-192	55	12	company	company	NOUN
gp-192	55	13	includes	include	VERB
gp-192	55	14	how	how	SCONJ
gp-192	55	15	to	to	PART
gp-192	55	16	create	create	VERB
gp-192	55	17	organizational	organizational	ADJ
gp-192	55	18	readiness	readiness	NOUN
gp-192	55	19	,	,	PUNCT
gp-192	55	20	employee	employee	NOUN
gp-192	55	21	participation	participation	NOUN
gp-192	55	22	,	,	PUNCT
gp-192	55	23	integrating	integrate	VERB
gp-192	55	24	digital	digital	ADJ
gp-192	55	25	vision	vision	NOUN
gp-192	55	26	and	and	CCONJ
gp-192	55	27	strategy	strategy	NOUN
gp-192	55	28	,	,	PUNCT
gp-192	55	29	communication	communication	NOUN
gp-192	55	30	and	and	CCONJ
gp-192	55	31	how	how	SCONJ
gp-192	55	32	to	to	PART
gp-192	55	33	encourage	encourage	VERB
gp-192	55	34	employees	employee	NOUN
gp-192	55	35	to	to	PART
gp-192	55	36	take	take	VERB
gp-192	55	37	their	their	PRON
gp-192	55	38	role	role	NOUN
gp-192	55	39	in	in	ADP
gp-192	55	40	digital	digital	ADJ
gp-192	55	41	transformation	transformation	NOUN
gp-192	55	42	.	.	PUNCT
gp-192	56	1	some	some	PRON
gp-192	56	2	of	of	ADP
gp-192	56	3	these	these	DET
gp-192	56	4	things	thing	NOUN
gp-192	56	5	are	be	AUX
gp-192	56	6	related	relate	VERB
gp-192	56	7	to	to	ADP
gp-192	56	8	what	what	PRON
gp-192	56	9	the	the	DET
gp-192	56	10	real	real	ADJ
gp-192	56	11	goal	goal	NOUN
gp-192	56	12	of	of	ADP
gp-192	56	13	the	the	DET
gp-192	56	14	organization	organization	NOUN
gp-192	56	15	is	be	AUX
gp-192	56	16	to	to	PART
gp-192	56	17	carry	carry	VERB
gp-192	56	18	out	out	ADP
gp-192	56	19	digital	digital	ADJ
gp-192	56	20	transformation	transformation	NOUN
gp-192	56	21	.	.	PUNCT
gp-192	57	1	digital	digital	ADJ
gp-192	57	2	transformation	transformation	NOUN
gp-192	57	3	goals	goal	VERB
gp-192	57	4	the	the	DET
gp-192	57	5	main	main	ADJ
gp-192	57	6	purpose	purpose	NOUN
gp-192	57	7	of	of	ADP
gp-192	57	8	the	the	DET
gp-192	57	9	need	need	NOUN
gp-192	57	10	for	for	ADP
gp-192	57	11	digital	digital	ADJ
gp-192	57	12	transformation	transformation	NOUN
gp-192	57	13	is	be	AUX
gp-192	57	14	driven	drive	VERB
gp-192	57	15	by	by	ADP
gp-192	57	16	the	the	DET
gp-192	57	17	massive	massive	ADJ
gp-192	57	18	adoption	adoption	NOUN
gp-192	57	19	of	of	ADP
gp-192	57	20	technology	technology	NOUN
gp-192	57	21	in	in	ADP
gp-192	57	22	the	the	DET
gp-192	57	23	banking	banking	NOUN
gp-192	57	24	industry	industry	NOUN
gp-192	57	25	so	so	SCONJ
gp-192	57	26	that	that	SCONJ
gp-192	57	27	it	it	PRON
gp-192	57	28	is	be	AUX
gp-192	57	29	deemed	deem	VERB
gp-192	57	30	necessary	necessary	ADJ
gp-192	57	31	for	for	SCONJ
gp-192	57	32	an	an	DET
gp-192	57	33	organization	organization	NOUN
gp-192	57	34	to	to	PART
gp-192	57	35	remain	remain	VERB
gp-192	57	36	competitive	competitive	ADJ
gp-192	57	37	(	(	PUNCT
gp-192	57	38	chanias	chanias	PROPN
gp-192	57	39	et	et	PROPN
gp-192	57	40	al	al	PROPN
gp-192	57	41	.	.	PROPN
gp-192	57	42	,	,	PUNCT
gp-192	57	43	2019	2019	NUM
gp-192	57	44	)	)	PUNCT
gp-192	57	45	.	.	PUNCT
gp-192	58	1	bprs	bprs	NOUN
gp-192	58	2	therefore	therefore	ADV
gp-192	58	3	feel	feel	VERB
gp-192	58	4	the	the	DET
gp-192	58	5	need	need	NOUN
gp-192	58	6	to	to	PART
gp-192	58	7	transform	transform	VERB
gp-192	58	8	their	their	PRON
gp-192	58	9	operations	operation	NOUN
gp-192	58	10	and	and	CCONJ
gp-192	58	11	services	service	NOUN
gp-192	58	12	in	in	ADP
gp-192	58	13	order	order	NOUN
gp-192	58	14	to	to	PART
gp-192	58	15	remain	remain	VERB
gp-192	58	16	present	present	ADJ
gp-192	58	17	and	and	CCONJ
gp-192	58	18	competitive	competitive	ADJ
gp-192	58	19	in	in	ADP
gp-192	58	20	the	the	DET
gp-192	58	21	industry	industry	NOUN
gp-192	58	22	.	.	PUNCT
gp-192	59	1	this	this	PRON
gp-192	59	2	is	be	AUX
gp-192	59	3	in	in	ADP
gp-192	59	4	line	line	NOUN
gp-192	59	5	with	with	ADP
gp-192	59	6	what	what	PRON
gp-192	59	7	was	be	AUX
gp-192	59	8	stated	state	VERB
gp-192	59	9	by	by	ADP
gp-192	59	10	the	the	DET
gp-192	59	11	president	president	PROPN
gp-192	59	12	director	director	NOUN
gp-192	59	13	(	(	PUNCT
gp-192	59	14	2023	2023	NUM
gp-192	59	15	)	)	PUNCT
gp-192	59	16	.	.	PUNCT
gp-192	60	1	"	"	PUNCT
gp-192	60	2	digitalization	digitalization	NOUN
gp-192	60	3	inevitably	inevitably	ADV
gp-192	60	4	must	must	AUX
gp-192	60	5	be	be	AUX
gp-192	60	6	adopted	adopt	VERB
gp-192	60	7	by	by	ADP
gp-192	60	8	all	all	DET
gp-192	60	9	types	type	NOUN
gp-192	60	10	of	of	ADP
gp-192	60	11	businesses	business	NOUN
gp-192	60	12	,	,	PUNCT
gp-192	60	13	especially	especially	ADV
gp-192	60	14	bprs	bprs	ADJ
gp-192	60	15	,	,	PUNCT
gp-192	60	16	commercial	commercial	ADJ
gp-192	60	17	banks	bank	NOUN
gp-192	60	18	have	have	VERB
gp-192	60	19	various	various	ADJ
gp-192	60	20	digital	digital	ADJ
gp-192	60	21	services	service	NOUN
gp-192	60	22	,	,	PUNCT
gp-192	60	23	now	now	ADV
gp-192	60	24	there	there	PRON
gp-192	60	25	are	be	VERB
gp-192	60	26	even	even	ADV
gp-192	60	27	special	special	ADJ
gp-192	60	28	banks	bank	NOUN
gp-192	60	29	that	that	PRON
gp-192	60	30	are	be	AUX
gp-192	60	31	all	all	ADV
gp-192	60	32	digital	digital	ADJ
gp-192	60	33	like	like	ADP
gp-192	60	34	bank	bank	NOUN
gp-192	60	35	jago	jago	PROPN
gp-192	60	36	,	,	PUNCT
gp-192	60	37	,	,	PUNCT
gp-192	60	38	well	well	INTJ
gp-192	60	39	,	,	PUNCT
gp-192	60	40	our	our	PRON
gp-192	60	41	bprs	bprs	NOUN
gp-192	60	42	just	just	ADV
gp-192	60	43	want	want	VERB
gp-192	60	44	to	to	PART
gp-192	60	45	be	be	AUX
gp-192	60	46	spectators	spectator	NOUN
gp-192	60	47	,	,	PUNCT
gp-192	60	48	at	at	ADP
gp-192	60	49	least	least	ADJ
gp-192	60	50	we	we	PRON
gp-192	60	51	can	can	AUX
gp-192	60	52	make	make	VERB
gp-192	60	53	our	our	PRON
gp-192	60	54	customers	customer	NOUN
gp-192	60	55	easier	easy	ADJ
gp-192	60	56	to	to	PART
gp-192	60	57	get	get	VERB
gp-192	60	58	the	the	DET
gp-192	60	59	services	service	NOUN
gp-192	60	60	we	we	PRON
gp-192	60	61	have	have	VERB
gp-192	60	62	....	....	PUNCT
gp-192	60	63	of	of	ADP
gp-192	60	64	course	course	NOUN
gp-192	60	65	we	we	PRON
gp-192	60	66	really	really	ADV
gp-192	60	67	need	need	VERB
gp-192	60	68	to	to	PART
gp-192	60	69	do	do	VERB
gp-192	60	70	digital	digital	ADJ
gp-192	60	71	transformation	transformation	NOUN
gp-192	60	72	so	so	SCONJ
gp-192	60	73	that	that	SCONJ
gp-192	60	74	it	it	PRON
gp-192	60	75	can	can	AUX
gp-192	60	76	be	be	AUX
gp-192	60	77	our	our	PRON
gp-192	60	78	added	add	VERB
gp-192	60	79	value	value	NOUN
gp-192	60	80	in	in	ADP
gp-192	60	81	order	order	NOUN
gp-192	60	82	to	to	PART
gp-192	60	83	remain	remain	VERB
gp-192	60	84	competitive	competitive	ADJ
gp-192	60	85	...	...	PUNCT
gp-192	60	86	"	"	PUNCT
gp-192	60	87	this	this	DET
gp-192	60	88	digital	digital	ADJ
gp-192	60	89	transformation	transformation	NOUN
gp-192	60	90	will	will	AUX
gp-192	60	91	have	have	VERB
gp-192	60	92	a	a	DET
gp-192	60	93	big	big	ADJ
gp-192	60	94	impact	impact	NOUN
gp-192	60	95	on	on	ADP
gp-192	60	96	bprs	bprs	NOUN
gp-192	60	97	with	with	ADP
gp-192	60	98	big	big	ADJ
gp-192	60	99	changes	change	NOUN
gp-192	60	100	in	in	ADP
gp-192	60	101	every	every	DET
gp-192	60	102	part	part	NOUN
gp-192	60	103	,	,	PUNCT
gp-192	60	104	it	it	PRON
gp-192	60	105	can	can	AUX
gp-192	60	106	also	also	ADV
gp-192	60	107	change	change	VERB
gp-192	60	108	how	how	SCONJ
gp-192	60	109	they	they	PRON
gp-192	60	110	run	run	VERB
gp-192	60	111	their	their	PRON
gp-192	60	112	operations	operation	NOUN
gp-192	60	113	.	.	PUNCT
gp-192	61	1	organizational	organizational	ADJ
gp-192	61	2	readiness	readiness	NOUN
gp-192	61	3	the	the	DET
gp-192	61	4	main	main	ADJ
gp-192	61	5	reason	reason	NOUN
gp-192	61	6	bpr	bpr	PROPN
gp-192	61	7	xyz	xyz	PROPN
gp-192	61	8	feels	feel	VERB
gp-192	61	9	the	the	DET
gp-192	61	10	need	need	NOUN
gp-192	61	11	to	to	PART
gp-192	61	12	carry	carry	VERB
gp-192	61	13	out	out	ADP
gp-192	61	14	digital	digital	ADJ
gp-192	61	15	transformation	transformation	NOUN
gp-192	61	16	is	be	AUX
gp-192	61	17	the	the	DET
gp-192	61	18	change	change	NOUN
gp-192	61	19	in	in	ADP
gp-192	61	20	customer	customer	NOUN
gp-192	61	21	behavior	behavior	NOUN
gp-192	61	22	and	and	CCONJ
gp-192	61	23	desire	desire	NOUN
gp-192	61	24	for	for	ADP
gp-192	61	25	digital	digital	ADJ
gp-192	61	26	services	service	NOUN
gp-192	61	27	that	that	PRON
gp-192	61	28	can	can	AUX
gp-192	61	29	facilitate	facilitate	VERB
gp-192	61	30	them	they	PRON
gp-192	61	31	and	and	CCONJ
gp-192	61	32	maintain	maintain	VERB
gp-192	61	33	organizational	organizational	ADJ
gp-192	61	34	competitiveness	competitiveness	NOUN
gp-192	61	35	in	in	ADP
gp-192	61	36	the	the	DET
gp-192	61	37	financial	financial	ADJ
gp-192	61	38	services	service	NOUN
gp-192	61	39	industry	industry	NOUN
gp-192	61	40	,	,	PUNCT
gp-192	61	41	organizational	organizational	ADJ
gp-192	61	42	readiness	readiness	NOUN
gp-192	61	43	shown	show	VERB
gp-192	61	44	by	by	ADP
gp-192	61	45	the	the	DET
gp-192	61	46	company	company	NOUN
gp-192	61	47	from	from	ADP
gp-192	61	48	this	this	DET
gp-192	61	49	case	case	NOUN
gp-192	61	50	,	,	PUNCT
gp-192	61	51	among	among	ADP
gp-192	61	52	others	other	NOUN
gp-192	61	53	,	,	PUNCT
gp-192	61	54	that	that	SCONJ
gp-192	61	55	they	they	PRON
gp-192	61	56	want	want	VERB
gp-192	61	57	to	to	PART
gp-192	61	58	understand	understand	VERB
gp-192	61	59	the	the	DET
gp-192	61	60	digital	digital	ADJ
gp-192	61	61	services	service	NOUN
gp-192	61	62	that	that	PRON
gp-192	61	63	are	be	AUX
gp-192	61	64	really	really	ADV
gp-192	61	65	expected	expect	VERB
gp-192	61	66	by	by	ADP
gp-192	61	67	their	their	PRON
gp-192	61	68	consumers	consumer	NOUN
gp-192	61	69	.	.	PUNCT
gp-192	62	1	this	this	PRON
gp-192	62	2	was	be	AUX
gp-192	62	3	obtained	obtain	VERB
gp-192	62	4	from	from	ADP
gp-192	62	5	a	a	DET
gp-192	62	6	respondent	respondent	NOUN
gp-192	62	7	who	who	PRON
gp-192	62	8	is	be	AUX
gp-192	62	9	the	the	DET
gp-192	62	10	head	head	NOUN
gp-192	62	11	of	of	ADP
gp-192	62	12	the	the	DET
gp-192	62	13	it	it	PROPN
gp-192	62	14	department	department	NOUN
gp-192	62	15	who	who	PRON
gp-192	62	16	has	have	AUX
gp-192	62	17	worked	work	VERB
gp-192	62	18	for	for	ADP
gp-192	62	19	more	more	ADJ
gp-192	62	20	than	than	ADP
gp-192	62	21	10	10	NUM
gp-192	62	22	years	year	NOUN
gp-192	62	23	in	in	ADP
gp-192	62	24	the	the	DET
gp-192	62	25	company	company	NOUN
gp-192	62	26	,	,	PUNCT
gp-192	62	27	with	with	ADP
gp-192	62	28	great	great	ADJ
gp-192	62	29	enthusiasm	enthusiasm	NOUN
gp-192	62	30	concerned	concern	VERB
gp-192	62	31	said	say	VERB
gp-192	62	32	that	that	SCONJ
gp-192	62	33	the	the	DET
gp-192	62	34	company	company	NOUN
gp-192	62	35	had	have	AUX
gp-192	62	36	collected	collect	VERB
gp-192	62	37	data	datum	NOUN
gp-192	62	38	related	relate	VERB
gp-192	62	39	to	to	ADP
gp-192	62	40	what	what	PRON
gp-192	62	41	kind	kind	NOUN
gp-192	62	42	of	of	ADP
gp-192	62	43	digital	digital	ADJ
gp-192	62	44	services	service	NOUN
gp-192	62	45	customers	customer	NOUN
gp-192	62	46	really	really	ADV
gp-192	62	47	need	need	VERB
gp-192	62	48	.	.	PUNCT
gp-192	63	1	"	"	PUNCT
gp-192	63	2	in	in	ADP
gp-192	63	3	early	early	ADJ
gp-192	63	4	2020	2020	NUM
gp-192	63	5	,	,	PUNCT
gp-192	63	6	we	we	PRON
gp-192	63	7	made	make	VERB
gp-192	63	8	a	a	DET
gp-192	63	9	poll	poll	NOUN
gp-192	63	10	to	to	ADP
gp-192	63	11	customers	customer	NOUN
gp-192	63	12	and	and	CCONJ
gp-192	63	13	employees	employee	NOUN
gp-192	63	14	regarding	regard	VERB
gp-192	63	15	what	what	PRON
gp-192	63	16	features	feature	NOUN
gp-192	63	17	need	need	VERB
gp-192	63	18	to	to	PART
gp-192	63	19	be	be	AUX
gp-192	63	20	included	include	VERB
gp-192	63	21	in	in	ADP
gp-192	63	22	the	the	DET
gp-192	63	23	application	application	NOUN
gp-192	63	24	that	that	PRON
gp-192	63	25	we	we	PRON
gp-192	63	26	want	want	VERB
gp-192	63	27	to	to	PART
gp-192	63	28	make	make	VERB
gp-192	63	29	,	,	PUNCT
gp-192	63	30	we	we	PRON
gp-192	63	31	sorted	sort	VERB
gp-192	63	32	the	the	DET
gp-192	63	33	most	most	ADV
gp-192	63	34	needed	need	VERB
gp-192	63	35	to	to	ADP
gp-192	63	36	the	the	DET
gp-192	63	37	unnecessary	unnecessary	ADJ
gp-192	63	38	....	....	PUNCT
gp-192	63	39	actually	actually	ADV
gp-192	63	40	,	,	PUNCT
gp-192	63	41	most	most	ADJ
gp-192	63	42	customers	customer	NOUN
gp-192	63	43	do	do	AUX
gp-192	63	44	n't	not	PART
gp-192	63	45	need	need	VERB
gp-192	63	46	applications	application	NOUN
gp-192	63	47	that	that	PRON
gp-192	63	48	can	can	AUX
gp-192	63	49	buy	buy	VERB
gp-192	63	50	credit	credit	NOUN
gp-192	63	51	,	,	PUNCT
gp-192	63	52	can	can	AUX
gp-192	63	53	top	top	VERB
gp-192	63	54	up	up	ADP
gp-192	63	55	gopay	gopay	NOUN
gp-192	63	56	,	,	PUNCT
gp-192	63	57	the	the	DET
gp-192	63	58	important	important	ADJ
gp-192	63	59	thing	thing	NOUN
gp-192	63	60	is	be	AUX
gp-192	63	61	to	to	PART
gp-192	63	62	be	be	AUX
gp-192	63	63	able	able	ADJ
gp-192	63	64	to	to	PART
gp-192	63	65	check	check	VERB
gp-192	63	66	balances	balance	NOUN
gp-192	63	67	,	,	PUNCT
gp-192	63	68	check	check	VERB
gp-192	63	69	installments	installment	NOUN
gp-192	63	70	,	,	PUNCT
gp-192	63	71	withdraw	withdraw	VERB
gp-192	63	72	or	or	CCONJ
gp-192	63	73	transfer	transfer	VERB
gp-192	63	74	to	to	ADP
gp-192	63	75	commercial	commercial	ADJ
gp-192	63	76	banks	bank	NOUN
gp-192	63	77	..	..	PUNCT
gp-192	64	1	that	that	PRON
gp-192	64	2	's	be	AUX
gp-192	64	3	more	more	ADJ
gp-192	64	4	than	than	ADP
gp-192	64	5	enough	enough	ADJ
gp-192	64	6	"	"	PUNCT
gp-192	64	7	(	(	PUNCT
gp-192	64	8	head	head	NOUN
gp-192	64	9	of	of	ADP
gp-192	64	10	it	it	PRON
gp-192	64	11	,	,	PUNCT
gp-192	64	12	2023	2023	NUM
gp-192	64	13	)	)	PUNCT
gp-192	64	14	.	.	PUNCT
gp-192	65	1	from	from	ADP
gp-192	65	2	the	the	DET
gp-192	65	3	survey	survey	NOUN
gp-192	65	4	conducted	conduct	VERB
gp-192	65	5	,	,	PUNCT
gp-192	65	6	the	the	DET
gp-192	65	7	company	company	NOUN
gp-192	65	8	has	have	VERB
gp-192	65	9	the	the	DET
gp-192	65	10	belief	belief	NOUN
gp-192	65	11	that	that	SCONJ
gp-192	65	12	with	with	ADP
gp-192	65	13	a	a	DET
gp-192	65	14	good	good	ADJ
gp-192	65	15	understanding	understanding	NOUN
gp-192	65	16	of	of	ADP
gp-192	65	17	what	what	PRON
gp-192	65	18	customers	customer	NOUN
gp-192	65	19	really	really	ADV
gp-192	65	20	need	need	VERB
gp-192	65	21	can	can	AUX
gp-192	65	22	create	create	VERB
gp-192	65	23	readiness	readiness	NOUN
gp-192	65	24	for	for	ADP
gp-192	65	25	the	the	DET
gp-192	65	26	changes	change	NOUN
gp-192	65	27	needed	need	VERB
gp-192	65	28	,	,	PUNCT
gp-192	65	29	such	such	ADJ
gp-192	65	30	as	as	ADP
gp-192	65	31	employee	employee	NOUN
gp-192	65	32	readiness	readiness	NOUN
gp-192	65	33	in	in	ADP
gp-192	65	34	responding	respond	VERB
gp-192	65	35	to	to	ADP
gp-192	65	36	digital	digital	ADJ
gp-192	65	37	changes	change	NOUN
gp-192	65	38	that	that	PRON
gp-192	65	39	will	will	AUX
gp-192	65	40	be	be	AUX
gp-192	65	41	made	make	VERB
gp-192	65	42	,	,	PUNCT
gp-192	65	43	as	as	SCONJ
gp-192	65	44	stated	state	VERB
gp-192	65	45	by	by	ADP
gp-192	65	46	it	it	PRON
gp-192	65	47	staff	staff	NOUN
gp-192	65	48	who	who	PRON
gp-192	65	49	have	have	AUX
gp-192	65	50	worked	work	VERB
gp-192	65	51	for	for	ADP
gp-192	65	52	approximately	approximately	ADV
gp-192	65	53	5	5	NUM
gp-192	65	54	years	year	NOUN
gp-192	65	55	at	at	ADP
gp-192	65	56	the	the	DET
gp-192	65	57	company	company	NOUN
gp-192	65	58	.	.	PUNCT
gp-192	66	1	american	american	PROPN
gp-192	66	2	journal	journal	PROPN
gp-192	66	3	of	of	ADP
gp-192	66	4	economic	economic	ADJ
gp-192	66	5	and	and	CCONJ
gp-192	66	6	management	management	NOUN
gp-192	66	7	business	business	NOUN
gp-192	66	8	vol	vol	NOUN
gp-192	66	9	.	.	PROPN
gp-192	67	1	4	4	NUM
gp-192	67	2	no	no	NOUN
gp-192	67	3	.	.	NOUN
gp-192	67	4	3	3	NUM
gp-192	67	5	march	march	NOUN
gp-192	67	6	2025	2025	NUM
gp-192	67	7	232	232	NUM
gp-192	67	8	however	however	ADV
gp-192	67	9	,	,	PUNCT
gp-192	67	10	from	from	ADP
gp-192	67	11	the	the	DET
gp-192	67	12	results	result	NOUN
gp-192	67	13	of	of	ADP
gp-192	67	14	interviews	interview	NOUN
gp-192	67	15	with	with	ADP
gp-192	67	16	questions	question	NOUN
gp-192	67	17	related	relate	VERB
gp-192	67	18	to	to	ADP
gp-192	67	19	hr	hr	NOUN
gp-192	67	20	readiness	readiness	NOUN
gp-192	67	21	related	relate	VERB
gp-192	67	22	to	to	ADP
gp-192	67	23	service	service	NOUN
gp-192	67	24	transformation	transformation	NOUN
gp-192	67	25	efforts	effort	NOUN
gp-192	67	26	undertaken	undertake	VERB
gp-192	67	27	by	by	ADP
gp-192	67	28	the	the	DET
gp-192	67	29	company	company	NOUN
gp-192	67	30	,	,	PUNCT
gp-192	67	31	it	it	PRON
gp-192	67	32	was	be	AUX
gp-192	67	33	found	find	VERB
gp-192	67	34	that	that	SCONJ
gp-192	67	35	there	there	PRON
gp-192	67	36	is	be	VERB
gp-192	67	37	still	still	ADV
gp-192	67	38	a	a	DET
gp-192	67	39	lack	lack	NOUN
gp-192	67	40	of	of	ADP
gp-192	67	41	competence	competence	NOUN
gp-192	67	42	of	of	ADP
gp-192	67	43	digitally	digitally	ADV
gp-192	67	44	oriented	orient	VERB
gp-192	67	45	employees	employee	NOUN
gp-192	67	46	,	,	PUNCT
gp-192	67	47	either	either	CCONJ
gp-192	67	48	those	those	PRON
gp-192	67	49	directly	directly	ADV
gp-192	67	50	involved	involve	VERB
gp-192	67	51	in	in	ADP
gp-192	67	52	digital	digital	ADJ
gp-192	67	53	service	service	NOUN
gp-192	67	54	development	development	NOUN
gp-192	67	55	or	or	CCONJ
gp-192	67	56	those	those	DET
gp-192	67	57	employees	employee	NOUN
gp-192	67	58	as	as	ADP
gp-192	67	59	users	user	NOUN
gp-192	67	60	.	.	PUNCT
gp-192	68	1	leadership	leadership	NOUN
gp-192	68	2	and	and	CCONJ
gp-192	68	3	employee	employee	NOUN
gp-192	68	4	participation	participation	NOUN
gp-192	68	5	the	the	DET
gp-192	68	6	president	president	PROPN
gp-192	68	7	director	director	NOUN
gp-192	68	8	directly	directly	ADV
gp-192	68	9	leads	lead	VERB
gp-192	68	10	the	the	DET
gp-192	68	11	digital	digital	ADJ
gp-192	68	12	changes	change	NOUN
gp-192	68	13	made	make	VERB
gp-192	68	14	by	by	ADP
gp-192	68	15	the	the	DET
gp-192	68	16	company	company	NOUN
gp-192	68	17	,	,	PUNCT
gp-192	68	18	the	the	DET
gp-192	68	19	president	president	PROPN
gp-192	68	20	director	director	NOUN
gp-192	68	21	provides	provide	VERB
gp-192	68	22	direct	direct	ADJ
gp-192	68	23	direction	direction	NOUN
gp-192	68	24	on	on	ADP
gp-192	68	25	what	what	PRON
gp-192	68	26	must	must	AUX
gp-192	68	27	be	be	AUX
gp-192	68	28	done	do	VERB
gp-192	68	29	in	in	ADP
gp-192	68	30	digital	digital	ADJ
gp-192	68	31	change	change	NOUN
gp-192	68	32	,	,	PUNCT
gp-192	68	33	in	in	ADP
gp-192	68	34	this	this	DET
gp-192	68	35	case	case	NOUN
gp-192	68	36	each	each	DET
gp-192	68	37	head	head	NOUN
gp-192	68	38	of	of	ADP
gp-192	68	39	section	section	NOUN
gp-192	68	40	and	and	CCONJ
gp-192	68	41	head	head	NOUN
gp-192	68	42	of	of	ADP
gp-192	68	43	office	office	NOUN
gp-192	68	44	is	be	AUX
gp-192	68	45	also	also	ADV
gp-192	68	46	given	give	VERB
gp-192	68	47	the	the	DET
gp-192	68	48	responsibility	responsibility	NOUN
gp-192	68	49	to	to	PART
gp-192	68	50	lead	lead	VERB
gp-192	68	51	digital	digital	ADJ
gp-192	68	52	change	change	NOUN
gp-192	68	53	in	in	ADP
gp-192	68	54	each	each	DET
gp-192	68	55	section	section	NOUN
gp-192	68	56	.	.	PUNCT
gp-192	69	1	although	although	SCONJ
gp-192	69	2	the	the	DET
gp-192	69	3	president	president	PROPN
gp-192	69	4	director	director	NOUN
gp-192	69	5	has	have	VERB
gp-192	69	6	overall	overall	ADJ
gp-192	69	7	responsibility	responsibility	NOUN
gp-192	69	8	,	,	PUNCT
gp-192	69	9	there	there	PRON
gp-192	69	10	are	be	VERB
gp-192	69	11	no	no	DET
gp-192	69	12	specific	specific	ADJ
gp-192	69	13	groups	group	NOUN
gp-192	69	14	identified	identify	VERB
gp-192	69	15	to	to	PART
gp-192	69	16	lead	lead	VERB
gp-192	69	17	digital	digital	ADJ
gp-192	69	18	change	change	NOUN
gp-192	69	19	specifically	specifically	ADV
gp-192	69	20	at	at	ADP
gp-192	69	21	bpr	bpr	ADV
gp-192	69	22	xyz	xyz	PROPN
gp-192	69	23	(	(	PUNCT
gp-192	69	24	ahmed	ahme	VERB
gp-192	69	25	,	,	PUNCT
gp-192	69	26	2024	2024	NUM
gp-192	69	27	)	)	PUNCT
gp-192	69	28	.	.	PUNCT
gp-192	70	1	"	"	PUNCT
gp-192	70	2	we	we	PRON
gp-192	70	3	have	have	VERB
gp-192	70	4	a	a	DET
gp-192	70	5	forum	forum	NOUN
gp-192	70	6	called	call	VERB
gp-192	70	7	leader	leader	NOUN
gp-192	70	8	club	club	NOUN
gp-192	70	9	(	(	PUNCT
gp-192	70	10	xyz	xyz	PROPN
gp-192	70	11	leader	leader	NOUN
gp-192	70	12	club	club	PROPN
gp-192	70	13	)	)	PUNCT
gp-192	70	14	where	where	SCONJ
gp-192	70	15	we	we	PRON
gp-192	70	16	convey	convey	VERB
gp-192	70	17	ideas	idea	NOUN
gp-192	70	18	from	from	ADP
gp-192	70	19	below	below	ADV
gp-192	70	20	to	to	PART
gp-192	70	21	be	be	AUX
gp-192	70	22	conveyed	convey	VERB
gp-192	70	23	every	every	DET
gp-192	70	24	time	time	NOUN
gp-192	70	25	we	we	PRON
gp-192	70	26	discuss	discuss	VERB
gp-192	70	27	it	it	PRON
gp-192	70	28	"	"	PUNCT
gp-192	70	29	(	(	PUNCT
gp-192	70	30	head	head	NOUN
gp-192	70	31	of	of	ADP
gp-192	70	32	it	it	PRON
gp-192	70	33	,	,	PUNCT
gp-192	70	34	2023	2023	NUM
gp-192	70	35	)	)	PUNCT
gp-192	70	36	.	.	PUNCT
gp-192	71	1	integration	integration	NOUN
gp-192	71	2	of	of	ADP
gp-192	71	3	vision	vision	NOUN
gp-192	71	4	and	and	CCONJ
gp-192	71	5	strategy	strategy	NOUN
gp-192	71	6	bpr	bpr	PROPN
gp-192	71	7	xyz	xyz	PROPN
gp-192	71	8	has	have	AUX
gp-192	71	9	included	include	VERB
gp-192	71	10	the	the	DET
gp-192	71	11	digitalization	digitalization	NOUN
gp-192	71	12	mission	mission	NOUN
gp-192	71	13	in	in	ADP
gp-192	71	14	one	one	NUM
gp-192	71	15	of	of	ADP
gp-192	71	16	their	their	PRON
gp-192	71	17	missions	mission	NOUN
gp-192	71	18	,	,	PUNCT
gp-192	71	19	namely	namely	ADV
gp-192	71	20	"	"	PUNCT
gp-192	71	21	providing	provide	VERB
gp-192	71	22	the	the	DET
gp-192	71	23	best	good	ADJ
gp-192	71	24	financial	financial	ADJ
gp-192	71	25	services	service	NOUN
gp-192	71	26	to	to	ADP
gp-192	71	27	the	the	DET
gp-192	71	28	community	community	NOUN
gp-192	71	29	"	"	PUNCT
gp-192	71	30	which	which	PRON
gp-192	71	31	emphasizes	emphasize	VERB
gp-192	71	32	that	that	SCONJ
gp-192	71	33	the	the	DET
gp-192	71	34	best	good	ADJ
gp-192	71	35	financial	financial	ADJ
gp-192	71	36	services	service	NOUN
gp-192	71	37	are	be	AUX
gp-192	71	38	one	one	NUM
gp-192	71	39	of	of	ADP
gp-192	71	40	them	they	PRON
gp-192	71	41	with	with	ADP
gp-192	71	42	the	the	DET
gp-192	71	43	ease	ease	NOUN
gp-192	71	44	of	of	ADP
gp-192	71	45	digitalization	digitalization	NOUN
gp-192	71	46	so	so	SCONJ
gp-192	71	47	there	there	PRON
gp-192	71	48	is	be	VERB
gp-192	71	49	no	no	DET
gp-192	71	50	need	need	NOUN
gp-192	71	51	to	to	PART
gp-192	71	52	be	be	AUX
gp-192	71	53	identified	identify	VERB
gp-192	71	54	to	to	PART
gp-192	71	55	have	have	VERB
gp-192	71	56	a	a	DET
gp-192	71	57	separate	separate	ADJ
gp-192	71	58	digital	digital	ADJ
gp-192	71	59	transformation	transformation	NOUN
gp-192	71	60	vision	vision	NOUN
gp-192	71	61	,	,	PUNCT
gp-192	71	62	because	because	SCONJ
gp-192	71	63	digitalization	digitalization	NOUN
gp-192	71	64	is	be	AUX
gp-192	71	65	part	part	NOUN
gp-192	71	66	of	of	ADP
gp-192	71	67	the	the	DET
gp-192	71	68	company	company	NOUN
gp-192	71	69	's	's	PART
gp-192	71	70	operational	operational	ADJ
gp-192	71	71	model	model	NOUN
gp-192	71	72	that	that	PRON
gp-192	71	73	covers	cover	VERB
gp-192	71	74	the	the	DET
gp-192	71	75	whole	whole	ADJ
gp-192	71	76	head	head	NOUN
gp-192	71	77	of	of	ADP
gp-192	71	78	operations	operation	NOUN
gp-192	71	79	interviewed	interview	VERB
gp-192	71	80	explained	explain	VERB
gp-192	71	81	that	that	SCONJ
gp-192	71	82	they	they	PRON
gp-192	71	83	have	have	VERB
gp-192	71	84	a	a	DET
gp-192	71	85	personal	personal	ADJ
gp-192	71	86	service	service	NOUN
gp-192	71	87	advantage	advantage	NOUN
gp-192	71	88	and	and	CCONJ
gp-192	71	89	will	will	AUX
gp-192	71	90	not	not	PART
gp-192	71	91	change	change	VERB
gp-192	71	92	the	the	DET
gp-192	71	93	business	business	NOUN
gp-192	71	94	with	with	ADP
gp-192	71	95	digitalization	digitalization	NOUN
gp-192	71	96	.	.	PUNCT
gp-192	72	1	bpr	bpr	PROPN
gp-192	72	2	xyz	xyz	PROPN
gp-192	72	3	also	also	ADV
gp-192	72	4	sees	see	VERB
gp-192	72	5	customer	customer	NOUN
gp-192	72	6	-	-	PUNCT
gp-192	72	7	oriented	orient	VERB
gp-192	72	8	service	service	NOUN
gp-192	72	9	as	as	ADP
gp-192	72	10	a	a	DET
gp-192	72	11	key	key	ADJ
gp-192	72	12	element	element	NOUN
gp-192	72	13	in	in	ADP
gp-192	72	14	digitalization	digitalization	NOUN
gp-192	72	15	.	.	PUNCT
gp-192	73	1	"	"	PUNCT
gp-192	73	2	the	the	DET
gp-192	73	3	vision	vision	NOUN
gp-192	73	4	and	and	CCONJ
gp-192	73	5	mission	mission	NOUN
gp-192	73	6	as	as	SCONJ
gp-192	73	7	it	it	PRON
gp-192	73	8	exists	exist	VERB
gp-192	73	9	today	today	NOUN
gp-192	73	10	,	,	PUNCT
gp-192	73	11	there	there	PRON
gp-192	73	12	has	have	AUX
gp-192	73	13	been	be	AUX
gp-192	73	14	no	no	DET
gp-192	73	15	change	change	NOUN
gp-192	73	16	since	since	SCONJ
gp-192	73	17	a	a	DET
gp-192	73	18	long	long	ADJ
gp-192	73	19	time	time	NOUN
gp-192	73	20	ago	ago	ADV
gp-192	73	21	and	and	CCONJ
gp-192	73	22	there	there	PRON
gp-192	73	23	has	have	AUX
gp-192	73	24	been	be	AUX
gp-192	73	25	no	no	DET
gp-192	73	26	vision	vision	NOUN
gp-192	73	27	of	of	ADP
gp-192	73	28	digitalization	digitalization	NOUN
gp-192	73	29	specifically	specifically	ADV
gp-192	73	30	,	,	PUNCT
gp-192	73	31	but	but	CCONJ
gp-192	73	32	it	it	PRON
gp-192	73	33	should	should	AUX
gp-192	73	34	have	have	AUX
gp-192	73	35	been	be	AUX
gp-192	73	36	included	include	VERB
gp-192	73	37	in	in	ADP
gp-192	73	38	the	the	DET
gp-192	73	39	elaboration	elaboration	NOUN
gp-192	73	40	of	of	ADP
gp-192	73	41	our	our	PRON
gp-192	73	42	mission	mission	NOUN
gp-192	73	43	,	,	PUNCT
gp-192	73	44	where	where	SCONJ
gp-192	73	45	we	we	PRON
gp-192	73	46	provide	provide	VERB
gp-192	73	47	the	the	DET
gp-192	73	48	best	good	ADJ
gp-192	73	49	service	service	NOUN
gp-192	73	50	,	,	PUNCT
gp-192	73	51	the	the	DET
gp-192	73	52	best	good	ADJ
gp-192	73	53	service	service	NOUN
gp-192	73	54	is	be	AUX
gp-192	73	55	one	one	NUM
gp-192	73	56	of	of	ADP
gp-192	73	57	them	they	PRON
gp-192	73	58	with	with	ADP
gp-192	73	59	digitalization	digitalization	NOUN
gp-192	73	60	services	service	NOUN
gp-192	73	61	...	...	PUNCT
gp-192	74	1	our	our	PRON
gp-192	74	2	services	service	NOUN
gp-192	74	3	are	be	AUX
gp-192	74	4	more	more	ADV
gp-192	74	5	personal	personal	ADJ
gp-192	74	6	by	by	ADP
gp-192	74	7	getting	get	VERB
gp-192	74	8	to	to	PART
gp-192	74	9	know	know	VERB
gp-192	74	10	customers	customer	NOUN
gp-192	74	11	,	,	PUNCT
gp-192	74	12	hopefully	hopefully	ADV
gp-192	74	13	with	with	ADP
gp-192	74	14	digitalization	digitalization	NOUN
gp-192	74	15	it	it	PRON
gp-192	74	16	will	will	AUX
gp-192	74	17	not	not	PART
gp-192	74	18	change	change	VERB
gp-192	74	19	our	our	PRON
gp-192	74	20	relationship	relationship	NOUN
gp-192	74	21	that	that	PRON
gp-192	74	22	has	have	AUX
gp-192	74	23	been	be	AUX
gp-192	74	24	known	know	VERB
gp-192	74	25	with	with	ADP
gp-192	74	26	good	good	ADJ
gp-192	74	27	personal	personal	ADJ
gp-192	74	28	service	service	NOUN
gp-192	74	29	,	,	PUNCT
gp-192	74	30	this	this	PRON
gp-192	74	31	is	be	AUX
gp-192	74	32	a	a	DET
gp-192	74	33	reference	reference	NOUN
gp-192	74	34	for	for	ADP
gp-192	74	35	it	it	PRON
gp-192	74	36	friends	friend	NOUN
gp-192	74	37	when	when	SCONJ
gp-192	74	38	preparing	prepare	VERB
gp-192	74	39	for	for	ADP
gp-192	74	40	digitalization	digitalization	NOUN
gp-192	74	41	"	"	PUNCT
gp-192	74	42	communication	communication	NOUN
gp-192	74	43	communication	communication	NOUN
gp-192	74	44	at	at	ADP
gp-192	74	45	all	all	DET
gp-192	74	46	levels	level	NOUN
gp-192	74	47	of	of	ADP
gp-192	74	48	the	the	DET
gp-192	74	49	organization	organization	NOUN
gp-192	74	50	is	be	AUX
gp-192	74	51	another	another	DET
gp-192	74	52	important	important	ADJ
gp-192	74	53	success	success	NOUN
gp-192	74	54	factor	factor	NOUN
gp-192	74	55	highlighted	highlight	VERB
gp-192	74	56	by	by	ADP
gp-192	74	57	previous	previous	ADJ
gp-192	74	58	research	research	NOUN
gp-192	74	59	.	.	PUNCT
gp-192	75	1	although	although	SCONJ
gp-192	75	2	bpr	bpr	PROPN
gp-192	75	3	xyz	xyz	PROPN
gp-192	75	4	did	do	AUX
gp-192	75	5	not	not	PART
gp-192	75	6	have	have	VERB
gp-192	75	7	a	a	DET
gp-192	75	8	separate	separate	ADJ
gp-192	75	9	digital	digital	ADJ
gp-192	75	10	transformation	transformation	NOUN
gp-192	75	11	vision	vision	NOUN
gp-192	75	12	,	,	PUNCT
gp-192	75	13	they	they	PRON
gp-192	75	14	emphasized	emphasize	VERB
gp-192	75	15	the	the	DET
gp-192	75	16	need	need	NOUN
gp-192	75	17	to	to	PART
gp-192	75	18	communicate	communicate	VERB
gp-192	75	19	the	the	DET
gp-192	75	20	digital	digital	ADJ
gp-192	75	21	changes	change	NOUN
gp-192	75	22	throughout	throughout	ADP
gp-192	75	23	the	the	DET
gp-192	75	24	process	process	NOUN
gp-192	75	25	.	.	PUNCT
gp-192	76	1	the	the	DET
gp-192	76	2	main	main	ADJ
gp-192	76	3	focus	focus	NOUN
gp-192	76	4	of	of	ADP
gp-192	76	5	communication	communication	NOUN
gp-192	76	6	is	be	AUX
gp-192	76	7	to	to	PART
gp-192	76	8	create	create	VERB
gp-192	76	9	mutual	mutual	ADJ
gp-192	76	10	understanding	understanding	NOUN
gp-192	76	11	within	within	ADP
gp-192	76	12	the	the	DET
gp-192	76	13	scope	scope	NOUN
gp-192	76	14	of	of	ADP
gp-192	76	15	work	work	NOUN
gp-192	76	16	.	.	PUNCT
gp-192	77	1	every	every	DET
gp-192	77	2	employee	employee	NOUN
gp-192	77	3	needs	need	VERB
gp-192	77	4	to	to	PART
gp-192	77	5	understand	understand	VERB
gp-192	77	6	what	what	PRON
gp-192	77	7	is	be	AUX
gp-192	77	8	changing	change	VERB
gp-192	77	9	,	,	PUNCT
gp-192	77	10	why	why	SCONJ
gp-192	77	11	the	the	DET
gp-192	77	12	organization	organization	NOUN
gp-192	77	13	is	be	AUX
gp-192	77	14	changing	change	VERB
gp-192	77	15	and	and	CCONJ
gp-192	77	16	what	what	PRON
gp-192	77	17	the	the	DET
gp-192	77	18	organization	organization	NOUN
gp-192	77	19	's	's	PART
gp-192	77	20	goals	goal	NOUN
gp-192	77	21	are	be	AUX
gp-192	77	22	,	,	PUNCT
gp-192	77	23	so	so	SCONJ
gp-192	77	24	that	that	SCONJ
gp-192	77	25	the	the	DET
gp-192	77	26	entire	entire	ADJ
gp-192	77	27	organization	organization	NOUN
gp-192	77	28	is	be	AUX
gp-192	77	29	heading	head	VERB
gp-192	77	30	in	in	ADP
gp-192	77	31	the	the	DET
gp-192	77	32	same	same	ADJ
gp-192	77	33	direction	direction	NOUN
gp-192	77	34	(	(	PUNCT
gp-192	77	35	argyris	argyris	PROPN
gp-192	77	36	,	,	PUNCT
gp-192	77	37	2017	2017	NUM
gp-192	77	38	)	)	PUNCT
gp-192	77	39	.	.	PUNCT
gp-192	78	1	"	"	PUNCT
gp-192	78	2	every	every	DET
gp-192	78	3	change	change	NOUN
gp-192	78	4	requires	require	VERB
gp-192	78	5	communication	communication	NOUN
gp-192	78	6	,	,	PUNCT
gp-192	78	7	we	we	PRON
gp-192	78	8	always	always	ADV
gp-192	78	9	convey	convey	VERB
gp-192	78	10	every	every	DET
gp-192	78	11	change	change	NOUN
gp-192	78	12	at	at	ADP
gp-192	78	13	the	the	DET
gp-192	78	14	forum	forum	NOUN
gp-192	78	15	at	at	ADP
gp-192	78	16	the	the	DET
gp-192	78	17	leader	leader	NOUN
gp-192	78	18	and	and	CCONJ
gp-192	78	19	staff	staff	NOUN
gp-192	78	20	level	level	NOUN
gp-192	78	21	.	.	PUNCT
gp-192	79	1	vision	vision	NOUN
gp-192	79	2	and	and	CCONJ
gp-192	79	3	mission	mission	NOUN
gp-192	79	4	are	be	AUX
gp-192	79	5	often	often	ADV
gp-192	79	6	just	just	ADV
gp-192	79	7	read	read	VERB
gp-192	79	8	but	but	CCONJ
gp-192	79	9	the	the	DET
gp-192	79	10	most	most	ADV
gp-192	79	11	important	important	ADJ
gp-192	79	12	thing	thing	NOUN
gp-192	79	13	is	be	AUX
gp-192	79	14	that	that	SCONJ
gp-192	79	15	the	the	DET
gp-192	79	16	intent	intent	NOUN
gp-192	79	17	is	be	AUX
gp-192	79	18	conveyed	convey	VERB
gp-192	79	19	,	,	PUNCT
gp-192	79	20	but	but	CCONJ
gp-192	79	21	(	(	PUNCT
gp-192	79	22	digital	digital	ADJ
gp-192	79	23	change	change	NOUN
gp-192	79	24	)	)	PUNCT
gp-192	79	25	must	must	AUX
gp-192	79	26	be	be	AUX
gp-192	79	27	discussed	discuss	VERB
gp-192	79	28	with	with	ADP
gp-192	79	29	each	each	DET
gp-192	79	30	employee	employee	NOUN
gp-192	79	31	separately	separately	ADV
gp-192	79	32	.	.	PUNCT
gp-192	80	1	for	for	ADP
gp-192	80	2	example	example	NOUN
gp-192	80	3	,	,	PUNCT
gp-192	80	4	what	what	PRON
gp-192	80	5	can	can	AUX
gp-192	80	6	i	i	PRON
gp-192	80	7	do	do	VERB
gp-192	80	8	so	so	SCONJ
gp-192	80	9	that	that	SCONJ
gp-192	80	10	the	the	DET
gp-192	80	11	goals	goal	NOUN
gp-192	80	12	that	that	PRON
gp-192	80	13	have	have	AUX
gp-192	80	14	been	be	AUX
gp-192	80	15	discussed	discuss	VERB
gp-192	80	16	at	at	ADP
gp-192	80	17	the	the	DET
gp-192	80	18	leader	leader	NOUN
gp-192	80	19	akhmat	akhmat	NOUN
gp-192	80	20	mustofa	mustofa	NOUN
gp-192	80	21	,	,	PUNCT
gp-192	80	22	edy	edy	PROPN
gp-192	80	23	raharja	raharja	PROPN
gp-192	80	24	233	233	NUM
gp-192	80	25	level	level	NOUN
gp-192	80	26	can	can	AUX
gp-192	80	27	be	be	AUX
gp-192	80	28	carried	carry	VERB
gp-192	80	29	out	out	ADP
gp-192	80	30	in	in	ADP
gp-192	80	31	my	my	PRON
gp-192	80	32	team	team	NOUN
gp-192	80	33	?	?	PUNCT
gp-192	80	34	"	"	PUNCT
gp-192	81	1	(	(	PUNCT
gp-192	81	2	operations	operation	NOUN
gp-192	81	3	manager	manager	NOUN
gp-192	81	4	,	,	PUNCT
gp-192	81	5	2021	2021	NUM
gp-192	81	6	)	)	PUNCT
gp-192	81	7	.	.	PUNCT
gp-192	81	8	"	"	PUNCT
gp-192	82	1	(	(	PUNCT
gp-192	82	2	operations	operation	NOUN
gp-192	82	3	manager	manager	NOUN
gp-192	82	4	,	,	PUNCT
gp-192	82	5	2021	2021	NUM
gp-192	82	6	)	)	PUNCT
gp-192	82	7	employee	employee	NOUN
gp-192	82	8	empowerment	empowerment	NOUN
gp-192	82	9	involving	involve	VERB
gp-192	82	10	employees	employee	NOUN
gp-192	82	11	to	to	PART
gp-192	82	12	play	play	VERB
gp-192	82	13	an	an	DET
gp-192	82	14	active	active	ADJ
gp-192	82	15	role	role	NOUN
gp-192	82	16	in	in	ADP
gp-192	82	17	digital	digital	ADJ
gp-192	82	18	transformation	transformation	NOUN
gp-192	82	19	is	be	AUX
gp-192	82	20	reflected	reflect	VERB
gp-192	82	21	in	in	ADP
gp-192	82	22	team	team	NOUN
gp-192	82	23	building	building	NOUN
gp-192	82	24	efforts	effort	NOUN
gp-192	82	25	.	.	PUNCT
gp-192	83	1	however	however	ADV
gp-192	83	2	,	,	PUNCT
gp-192	83	3	bpr	bpr	PROPN
gp-192	83	4	xyz	xyz	PROPN
gp-192	83	5	does	do	AUX
gp-192	83	6	not	not	PART
gp-192	83	7	have	have	VERB
gp-192	83	8	a	a	DET
gp-192	83	9	dedicated	dedicated	ADJ
gp-192	83	10	team	team	NOUN
gp-192	83	11	to	to	PART
gp-192	83	12	lead	lead	VERB
gp-192	83	13	digital	digital	ADJ
gp-192	83	14	transformation	transformation	NOUN
gp-192	83	15	.	.	PUNCT
gp-192	84	1	one	one	NUM
gp-192	84	2	way	way	NOUN
gp-192	84	3	to	to	PART
gp-192	84	4	empower	empower	VERB
gp-192	84	5	employees	employee	NOUN
gp-192	84	6	to	to	PART
gp-192	84	7	deal	deal	VERB
gp-192	84	8	with	with	ADP
gp-192	84	9	digital	digital	ADJ
gp-192	84	10	change	change	NOUN
gp-192	84	11	is	be	AUX
gp-192	84	12	through	through	ADP
gp-192	84	13	training	training	NOUN
gp-192	84	14	.	.	PUNCT
gp-192	85	1	this	this	DET
gp-192	85	2	training	training	NOUN
gp-192	85	3	includes	include	VERB
gp-192	85	4	verbal	verbal	ADJ
gp-192	85	5	encouragement	encouragement	NOUN
gp-192	85	6	and	and	CCONJ
gp-192	85	7	support	support	NOUN
gp-192	85	8	from	from	ADP
gp-192	85	9	managers	manager	NOUN
gp-192	85	10	,	,	PUNCT
gp-192	85	11	as	as	ADV
gp-192	85	12	well	well	ADV
gp-192	85	13	as	as	ADP
gp-192	85	14	practical	practical	ADJ
gp-192	85	15	training	training	NOUN
gp-192	85	16	,	,	PUNCT
gp-192	85	17	for	for	ADP
gp-192	85	18	example	example	NOUN
gp-192	85	19	in	in	ADP
gp-192	85	20	the	the	DET
gp-192	85	21	use	use	NOUN
gp-192	85	22	of	of	ADP
gp-192	85	23	digital	digital	ADJ
gp-192	85	24	services	service	NOUN
gp-192	85	25	(	(	PUNCT
gp-192	85	26	blake	blake	NOUN
gp-192	85	27	et	et	PROPN
gp-192	85	28	al	al	PROPN
gp-192	85	29	.	.	PROPN
gp-192	85	30	,	,	PUNCT
gp-192	85	31	2022	2022	NUM
gp-192	85	32	)	)	PUNCT
gp-192	85	33	.	.	PUNCT
gp-192	86	1	whenever	whenever	SCONJ
gp-192	86	2	a	a	DET
gp-192	86	3	new	new	ADJ
gp-192	86	4	product	product	NOUN
gp-192	86	5	or	or	CCONJ
gp-192	86	6	service	service	NOUN
gp-192	86	7	is	be	AUX
gp-192	86	8	developed	develop	VERB
gp-192	86	9	,	,	PUNCT
gp-192	86	10	employees	employee	NOUN
gp-192	86	11	participate	participate	VERB
gp-192	86	12	in	in	ADP
gp-192	86	13	piloting	pilot	VERB
gp-192	86	14	so	so	SCONJ
gp-192	86	15	that	that	SCONJ
gp-192	86	16	they	they	PRON
gp-192	86	17	are	be	AUX
gp-192	86	18	the	the	DET
gp-192	86	19	first	first	ADJ
gp-192	86	20	to	to	PART
gp-192	86	21	master	master	VERB
gp-192	86	22	the	the	DET
gp-192	86	23	service	service	NOUN
gp-192	86	24	before	before	ADP
gp-192	86	25	its	its	PRON
gp-192	86	26	launch	launch	NOUN
gp-192	86	27	to	to	ADP
gp-192	86	28	the	the	DET
gp-192	86	29	public	public	NOUN
gp-192	86	30	.	.	PUNCT
gp-192	87	1	"	"	PUNCT
gp-192	87	2	they	they	PRON
gp-192	87	3	must	must	AUX
gp-192	87	4	be	be	AUX
gp-192	87	5	encouraged	encourage	VERB
gp-192	87	6	to	to	PART
gp-192	87	7	use	use	VERB
gp-192	87	8	technology	technology	NOUN
gp-192	87	9	in	in	ADP
gp-192	87	10	their	their	PRON
gp-192	87	11	daily	daily	ADJ
gp-192	87	12	work	work	NOUN
gp-192	87	13	,	,	PUNCT
gp-192	87	14	the	the	DET
gp-192	87	15	leaders	leader	NOUN
gp-192	87	16	must	must	AUX
gp-192	87	17	also	also	ADV
gp-192	87	18	set	set	VERB
gp-192	87	19	an	an	DET
gp-192	87	20	example	example	NOUN
gp-192	87	21	,	,	PUNCT
gp-192	87	22	for	for	ADP
gp-192	87	23	example	example	NOUN
gp-192	87	24	by	by	ADP
gp-192	87	25	collaborating	collaborate	VERB
gp-192	87	26	online	online	ADV
gp-192	87	27	in	in	ADP
gp-192	87	28	drafting	draft	VERB
gp-192	87	29	policies	policy	NOUN
gp-192	87	30	...	...	PUNCT
gp-192	87	31	therefore	therefore	ADV
gp-192	87	32	,	,	PUNCT
gp-192	87	33	these	these	DET
gp-192	87	34	leaders	leader	NOUN
gp-192	87	35	play	play	VERB
gp-192	87	36	a	a	DET
gp-192	87	37	very	very	ADV
gp-192	87	38	big	big	ADJ
gp-192	87	39	role	role	NOUN
gp-192	87	40	in	in	ADP
gp-192	87	41	involving	involve	VERB
gp-192	87	42	their	their	PRON
gp-192	87	43	teams	team	NOUN
gp-192	87	44	in	in	ADP
gp-192	87	45	every	every	DET
gp-192	87	46	change	change	NOUN
gp-192	87	47	set	set	VERB
gp-192	87	48	by	by	ADP
gp-192	87	49	the	the	DET
gp-192	87	50	bank	bank	NOUN
gp-192	87	51	"	"	PUNCT
gp-192	87	52	opportunities	opportunity	NOUN
gp-192	87	53	and	and	CCONJ
gp-192	87	54	challenges	challenge	NOUN
gp-192	87	55	of	of	ADP
gp-192	87	56	digital	digital	ADJ
gp-192	87	57	transformation	transformation	NOUN
gp-192	87	58	digital	digital	ADJ
gp-192	87	59	transformation	transformation	NOUN
gp-192	87	60	offers	offer	VERB
gp-192	87	61	significant	significant	ADJ
gp-192	87	62	opportunities	opportunity	NOUN
gp-192	87	63	for	for	ADP
gp-192	87	64	organizations	organization	NOUN
gp-192	87	65	,	,	PUNCT
gp-192	87	66	especially	especially	ADV
gp-192	87	67	in	in	ADP
gp-192	87	68	the	the	DET
gp-192	87	69	banking	banking	NOUN
gp-192	87	70	sector	sector	NOUN
gp-192	87	71	.	.	PUNCT
gp-192	88	1	operational	operational	ADJ
gp-192	88	2	efficiency	efficiency	NOUN
gp-192	88	3	can	can	AUX
gp-192	88	4	also	also	ADV
gp-192	88	5	be	be	AUX
gp-192	88	6	achieved	achieve	VERB
gp-192	88	7	through	through	ADP
gp-192	88	8	digital	digital	ADJ
gp-192	88	9	transformation	transformation	NOUN
gp-192	88	10	,	,	PUNCT
gp-192	88	11	including	include	VERB
gp-192	88	12	in	in	ADP
gp-192	88	13	managing	manage	VERB
gp-192	88	14	costs	cost	NOUN
gp-192	88	15	and	and	CCONJ
gp-192	88	16	work	work	NOUN
gp-192	88	17	processes	process	NOUN
gp-192	88	18	(	(	PUNCT
gp-192	88	19	tian	tian	PROPN
gp-192	88	20	et	et	PROPN
gp-192	88	21	al	al	PROPN
gp-192	88	22	.	.	PROPN
gp-192	88	23	,	,	PUNCT
gp-192	88	24	2023	2023	NUM
gp-192	88	25	)	)	PUNCT
gp-192	88	26	.	.	PUNCT
gp-192	89	1	not	not	PART
gp-192	89	2	only	only	ADV
gp-192	89	3	that	that	PRON
gp-192	89	4	,	,	PUNCT
gp-192	89	5	digitalization	digitalization	NOUN
gp-192	89	6	opens	open	VERB
gp-192	89	7	up	up	ADP
gp-192	89	8	new	new	ADJ
gp-192	89	9	collaboration	collaboration	NOUN
gp-192	89	10	opportunities	opportunity	NOUN
gp-192	89	11	with	with	ADP
gp-192	89	12	partners	partner	NOUN
gp-192	89	13	,	,	PUNCT
gp-192	89	14	for	for	ADP
gp-192	89	15	example	example	NOUN
gp-192	89	16	with	with	ADP
gp-192	89	17	fintech	fintech	NOUN
gp-192	89	18	for	for	ADP
gp-192	89	19	e	e	NOUN
gp-192	89	20	-	-	NOUN
gp-192	89	21	kyc	kyc	NOUN
gp-192	89	22	,	,	PUNCT
gp-192	89	23	which	which	PRON
gp-192	89	24	allows	allow	VERB
gp-192	89	25	banks	bank	NOUN
gp-192	89	26	to	to	PART
gp-192	89	27	respond	respond	VERB
gp-192	89	28	to	to	ADP
gp-192	89	29	customer	customer	NOUN
gp-192	89	30	needs	need	VERB
gp-192	89	31	more	more	ADV
gp-192	89	32	flexibly	flexibly	ADV
gp-192	89	33	and	and	CCONJ
gp-192	89	34	quickly	quickly	ADV
gp-192	89	35	.	.	PUNCT
gp-192	90	1	as	as	SCONJ
gp-192	90	2	stated	state	VERB
gp-192	90	3	by	by	ADP
gp-192	90	4	marketing	marketing	NOUN
gp-192	90	5	manager	manager	NOUN
gp-192	90	6	(	(	PUNCT
gp-192	90	7	2023	2023	NUM
gp-192	90	8	)	)	PUNCT
gp-192	90	9	"	"	PUNCT
gp-192	90	10	digital	digital	ADJ
gp-192	90	11	transformation	transformation	NOUN
gp-192	90	12	opens	open	VERB
gp-192	90	13	up	up	ADP
gp-192	90	14	great	great	ADJ
gp-192	90	15	opportunities	opportunity	NOUN
gp-192	90	16	for	for	ADP
gp-192	90	17	bprs	bprs	NOUN
gp-192	90	18	,	,	PUNCT
gp-192	90	19	such	such	ADJ
gp-192	90	20	as	as	ADP
gp-192	90	21	service	service	NOUN
gp-192	90	22	diversification	diversification	NOUN
gp-192	90	23	through	through	ADP
gp-192	90	24	digital	digital	ADJ
gp-192	90	25	banking	banking	NOUN
gp-192	90	26	,	,	PUNCT
gp-192	90	27	increased	increase	VERB
gp-192	90	28	customer	customer	NOUN
gp-192	90	29	accessibility	accessibility	NOUN
gp-192	90	30	through	through	ADP
gp-192	90	31	online	online	ADJ
gp-192	90	32	banking	banking	NOUN
gp-192	90	33	,	,	PUNCT
gp-192	90	34	and	and	CCONJ
gp-192	90	35	operational	operational	ADJ
gp-192	90	36	efficiency	efficiency	NOUN
gp-192	90	37	in	in	ADP
gp-192	90	38	managing	manage	VERB
gp-192	90	39	costs	cost	NOUN
gp-192	90	40	and	and	CCONJ
gp-192	90	41	processes	process	NOUN
gp-192	90	42	.	.	PUNCT
gp-192	91	1	in	in	ADP
gp-192	91	2	addition	addition	NOUN
gp-192	91	3	,	,	PUNCT
gp-192	91	4	collaboration	collaboration	NOUN
gp-192	91	5	with	with	ADP
gp-192	91	6	fintech	fintech	NOUN
gp-192	91	7	,	,	PUNCT
gp-192	91	8	such	such	ADJ
gp-192	91	9	as	as	ADP
gp-192	91	10	e	e	NOUN
gp-192	91	11	-	-	NOUN
gp-192	91	12	kyc	kyc	ADJ
gp-192	91	13	,	,	PUNCT
gp-192	91	14	allows	allow	VERB
gp-192	91	15	us	we	PRON
gp-192	91	16	to	to	PART
gp-192	91	17	respond	respond	VERB
gp-192	91	18	to	to	ADP
gp-192	91	19	customer	customer	NOUN
gp-192	91	20	needs	need	VERB
gp-192	91	21	more	more	ADV
gp-192	91	22	quickly	quickly	ADV
gp-192	91	23	and	and	CCONJ
gp-192	91	24	flexibly	flexibly	ADV
gp-192	91	25	.	.	PUNCT
gp-192	91	26	"	"	PUNCT
gp-192	92	1	the	the	DET
gp-192	92	2	opportunities	opportunity	NOUN
gp-192	92	3	that	that	PRON
gp-192	92	4	exist	exist	VERB
gp-192	92	5	are	be	AUX
gp-192	92	6	inseparable	inseparable	ADJ
gp-192	92	7	from	from	ADP
gp-192	92	8	the	the	DET
gp-192	92	9	challenges	challenge	NOUN
gp-192	92	10	that	that	PRON
gp-192	92	11	need	need	VERB
gp-192	92	12	to	to	PART
gp-192	92	13	be	be	AUX
gp-192	92	14	faced	face	VERB
gp-192	92	15	.	.	PUNCT
gp-192	93	1	one	one	NUM
gp-192	93	2	of	of	ADP
gp-192	93	3	the	the	DET
gp-192	93	4	main	main	ADJ
gp-192	93	5	challenges	challenge	NOUN
gp-192	93	6	is	be	AUX
gp-192	93	7	the	the	DET
gp-192	93	8	complexity	complexity	NOUN
gp-192	93	9	of	of	ADP
gp-192	93	10	collaboration	collaboration	NOUN
gp-192	93	11	with	with	ADP
gp-192	93	12	third	third	ADJ
gp-192	93	13	parties	party	NOUN
gp-192	93	14	or	or	CCONJ
gp-192	93	15	banking	banking	NOUN
gp-192	93	16	information	information	NOUN
gp-192	93	17	system	system	NOUN
gp-192	93	18	technology	technology	NOUN
gp-192	93	19	providers	provider	NOUN
gp-192	93	20	,	,	PUNCT
gp-192	93	21	as	as	SCONJ
gp-192	93	22	collaboration	collaboration	NOUN
gp-192	93	23	with	with	ADP
gp-192	93	24	multiple	multiple	ADJ
gp-192	93	25	partners	partner	NOUN
gp-192	93	26	requires	require	VERB
gp-192	93	27	proper	proper	ADJ
gp-192	93	28	communication	communication	NOUN
gp-192	93	29	regarding	regard	VERB
gp-192	93	30	the	the	DET
gp-192	93	31	bank	bank	NOUN
gp-192	93	32	's	's	PART
gp-192	93	33	needs	need	NOUN
gp-192	93	34	and	and	CCONJ
gp-192	93	35	alignment	alignment	NOUN
gp-192	93	36	of	of	ADP
gp-192	93	37	goals	goal	NOUN
gp-192	93	38	to	to	PART
gp-192	93	39	ensure	ensure	VERB
gp-192	93	40	service	service	NOUN
gp-192	93	41	quality	quality	NOUN
gp-192	93	42	is	be	AUX
gp-192	93	43	maintained	maintain	VERB
gp-192	93	44	.	.	PUNCT
gp-192	94	1	on	on	ADP
gp-192	94	2	the	the	DET
gp-192	94	3	other	other	ADJ
gp-192	94	4	hand	hand	NOUN
gp-192	94	5	,	,	PUNCT
gp-192	94	6	the	the	DET
gp-192	94	7	limited	limited	ADJ
gp-192	94	8	digital	digital	ADJ
gp-192	94	9	competence	competence	NOUN
gp-192	94	10	of	of	ADP
gp-192	94	11	the	the	DET
gp-192	94	12	workforce	workforce	NOUN
gp-192	94	13	is	be	AUX
gp-192	94	14	an	an	DET
gp-192	94	15	obstacle	obstacle	NOUN
gp-192	94	16	to	to	ADP
gp-192	94	17	transformation	transformation	NOUN
gp-192	94	18	,	,	PUNCT
gp-192	94	19	so	so	CCONJ
gp-192	94	20	training	training	NOUN
gp-192	94	21	and	and	CCONJ
gp-192	94	22	skills	skill	NOUN
gp-192	94	23	development	development	NOUN
gp-192	94	24	is	be	AUX
gp-192	94	25	an	an	DET
gp-192	94	26	urgent	urgent	ADJ
gp-192	94	27	need	need	NOUN
gp-192	94	28	(	(	PUNCT
gp-192	94	29	foroughi	foroughi	ADJ
gp-192	94	30	,	,	PUNCT
gp-192	94	31	2021	2021	NUM
gp-192	94	32	)	)	PUNCT
gp-192	94	33	.	.	PUNCT
gp-192	95	1	"	"	PUNCT
gp-192	95	2	digital	digital	ADJ
gp-192	95	3	transformation	transformation	NOUN
gp-192	95	4	is	be	AUX
gp-192	95	5	faced	face	VERB
gp-192	95	6	with	with	ADP
gp-192	95	7	challenges	challenge	NOUN
gp-192	95	8	such	such	ADJ
gp-192	95	9	as	as	ADP
gp-192	95	10	the	the	DET
gp-192	95	11	complexity	complexity	NOUN
gp-192	95	12	of	of	ADP
gp-192	95	13	cooperation	cooperation	NOUN
gp-192	95	14	with	with	ADP
gp-192	95	15	technology	technology	NOUN
gp-192	95	16	partners	partner	NOUN
gp-192	95	17	,	,	PUNCT
gp-192	95	18	competition	competition	NOUN
gp-192	95	19	from	from	ADP
gp-192	95	20	startups	startup	NOUN
gp-192	95	21	and	and	CCONJ
gp-192	95	22	technology	technology	NOUN
gp-192	95	23	companies	company	NOUN
gp-192	95	24	,	,	PUNCT
gp-192	95	25	and	and	CCONJ
gp-192	95	26	the	the	DET
gp-192	95	27	speed	speed	NOUN
gp-192	95	28	of	of	ADP
gp-192	95	29	technological	technological	ADJ
gp-192	95	30	change	change	NOUN
gp-192	95	31	that	that	PRON
gp-192	95	32	demands	demand	VERB
gp-192	95	33	continuous	continuous	ADJ
gp-192	95	34	innovation	innovation	NOUN
gp-192	95	35	.	.	PUNCT
gp-192	96	1	in	in	ADP
gp-192	96	2	addition	addition	NOUN
gp-192	96	3	,	,	PUNCT
gp-192	96	4	the	the	DET
gp-192	96	5	limited	limited	ADJ
gp-192	96	6	digital	digital	ADJ
gp-192	96	7	competence	competence	NOUN
gp-192	96	8	of	of	ADP
gp-192	96	9	the	the	DET
gp-192	96	10	workforce	workforce	NOUN
gp-192	96	11	requires	require	VERB
gp-192	96	12	special	special	ADJ
gp-192	96	13	attention	attention	NOUN
gp-192	96	14	through	through	ADP
gp-192	96	15	training	training	NOUN
gp-192	96	16	and	and	CCONJ
gp-192	96	17	development	development	NOUN
gp-192	96	18	.	.	PUNCT
gp-192	96	19	"	"	PUNCT
gp-192	97	1	maximizing	maximize	VERB
gp-192	97	2	opportunities	opportunity	NOUN
gp-192	97	3	and	and	CCONJ
gp-192	97	4	managing	manage	VERB
gp-192	97	5	challenges	challenge	NOUN
gp-192	97	6	to	to	PART
gp-192	97	7	manage	manage	VERB
gp-192	97	8	challenges	challenge	NOUN
gp-192	97	9	and	and	CCONJ
gp-192	97	10	maximize	maximize	VERB
gp-192	97	11	opportunities	opportunity	NOUN
gp-192	97	12	,	,	PUNCT
gp-192	97	13	banks	bank	NOUN
gp-192	97	14	need	need	VERB
gp-192	97	15	to	to	PART
gp-192	97	16	adopt	adopt	VERB
gp-192	97	17	the	the	DET
gp-192	97	18	right	right	ADJ
gp-192	97	19	strategies	strategy	NOUN
gp-192	97	20	.	.	PUNCT
gp-192	98	1	monitoring	monitor	VERB
gp-192	98	2	market	market	NOUN
gp-192	98	3	trends	trend	NOUN
gp-192	98	4	and	and	CCONJ
gp-192	98	5	customer	customer	NOUN
gp-192	98	6	needs	need	NOUN
gp-192	98	7	is	be	AUX
gp-192	98	8	key	key	ADJ
gp-192	98	9	to	to	ADP
gp-192	98	10	staying	stay	VERB
gp-192	98	11	relevant	relevant	ADJ
gp-192	98	12	amidst	amidst	ADP
gp-192	98	13	competition	competition	NOUN
gp-192	98	14	.	.	PUNCT
gp-192	99	1	focusing	focus	VERB
gp-192	99	2	on	on	ADP
gp-192	99	3	digital	digital	ADJ
gp-192	99	4	projects	project	NOUN
gp-192	99	5	that	that	PRON
gp-192	99	6	are	be	AUX
gp-192	99	7	truly	truly	ADV
gp-192	99	8	valuable	valuable	ADJ
gp-192	99	9	to	to	ADP
gp-192	99	10	customers	customer	NOUN
gp-192	99	11	also	also	ADV
gp-192	99	12	helps	help	VERB
gp-192	99	13	banks	bank	NOUN
gp-192	99	14	optimize	optimize	VERB
gp-192	99	15	resources	resource	NOUN
gp-192	99	16	(	(	PUNCT
gp-192	99	17	bueno	bueno	PROPN
gp-192	99	18	et	et	PROPN
gp-192	99	19	al	al	PROPN
gp-192	99	20	.	.	PROPN
gp-192	99	21	,	,	PUNCT
gp-192	99	22	2024	2024	NUM
gp-192	99	23	)	)	PUNCT
gp-192	99	24	.	.	PUNCT
gp-192	100	1	with	with	ADP
gp-192	100	2	this	this	DET
gp-192	100	3	strategy	strategy	NOUN
gp-192	100	4	,	,	PUNCT
gp-192	100	5	digital	digital	ADJ
gp-192	100	6	transformation	transformation	NOUN
gp-192	100	7	can	can	AUX
gp-192	100	8	be	be	AUX
gp-192	100	9	a	a	DET
gp-192	100	10	driving	drive	VERB
gp-192	100	11	force	force	NOUN
gp-192	100	12	for	for	ADP
gp-192	100	13	american	american	ADJ
gp-192	100	14	journal	journal	PROPN
gp-192	100	15	of	of	ADP
gp-192	100	16	economic	economic	ADJ
gp-192	100	17	and	and	CCONJ
gp-192	100	18	management	management	NOUN
gp-192	100	19	business	business	NOUN
gp-192	100	20	vol	vol	NOUN
gp-192	100	21	.	.	PROPN
gp-192	101	1	4	4	NUM
gp-192	101	2	no	no	NOUN
gp-192	101	3	.	.	NOUN
gp-192	101	4	3	3	NUM
gp-192	101	5	march	march	NOUN
gp-192	101	6	2025	2025	NUM
gp-192	101	7	234	234	NUM
gp-192	101	8	innovation	innovation	NOUN
gp-192	101	9	,	,	PUNCT
gp-192	101	10	efficiency	efficiency	NOUN
gp-192	101	11	and	and	CCONJ
gp-192	101	12	service	service	NOUN
gp-192	101	13	expansion	expansion	NOUN
gp-192	101	14	,	,	PUNCT
gp-192	101	15	although	although	SCONJ
gp-192	101	16	challenges	challenge	NOUN
gp-192	101	17	must	must	AUX
gp-192	101	18	still	still	ADV
gp-192	101	19	be	be	AUX
gp-192	101	20	proactively	proactively	ADV
gp-192	101	21	managed	manage	VERB
gp-192	101	22	.	.	PUNCT
gp-192	102	1	"	"	PUNCT
gp-192	102	2	managing	manage	VERB
gp-192	102	3	challenges	challenge	NOUN
gp-192	102	4	and	and	CCONJ
gp-192	102	5	opportunities	opportunity	NOUN
gp-192	102	6	requires	require	VERB
gp-192	102	7	the	the	DET
gp-192	102	8	right	right	ADJ
gp-192	102	9	strategies	strategy	NOUN
gp-192	102	10	,	,	PUNCT
gp-192	102	11	such	such	ADJ
gp-192	102	12	as	as	ADP
gp-192	102	13	understanding	understand	VERB
gp-192	102	14	market	market	NOUN
gp-192	102	15	trends	trend	NOUN
gp-192	102	16	,	,	PUNCT
gp-192	102	17	focusing	focus	VERB
gp-192	102	18	on	on	ADP
gp-192	102	19	value	value	NOUN
gp-192	102	20	-	-	PUNCT
gp-192	102	21	added	add	VERB
gp-192	102	22	digital	digital	ADJ
gp-192	102	23	projects	project	NOUN
gp-192	102	24	,	,	PUNCT
gp-192	102	25	and	and	CCONJ
gp-192	102	26	improving	improve	VERB
gp-192	102	27	employees	employee	NOUN
gp-192	102	28	'	'	PART
gp-192	102	29	own	own	ADJ
gp-192	102	30	digital	digital	ADJ
gp-192	102	31	skills	skill	NOUN
gp-192	102	32	.	.	PUNCT
gp-192	103	1	this	this	DET
gp-192	103	2	step	step	NOUN
gp-192	103	3	makes	make	VERB
gp-192	103	4	digital	digital	ADJ
gp-192	103	5	transformation	transformation	NOUN
gp-192	103	6	a	a	DET
gp-192	103	7	motor	motor	NOUN
gp-192	103	8	of	of	ADP
gp-192	103	9	innovation	innovation	NOUN
gp-192	103	10	and	and	CCONJ
gp-192	103	11	efficiency	efficiency	NOUN
gp-192	103	12	.	.	PUNCT
gp-192	103	13	"	"	PUNCT
gp-192	104	1	(	(	PUNCT
gp-192	104	2	president	president	NOUN
gp-192	104	3	director	director	NOUN
gp-192	104	4	,	,	PUNCT
gp-192	104	5	2023	2023	NUM
gp-192	104	6	)	)	PUNCT
gp-192	104	7	based	base	VERB
gp-192	104	8	on	on	ADP
gp-192	104	9	the	the	DET
gp-192	104	10	literature	literature	PROPN
gp-192	104	11	review	review	PROPN
gp-192	104	12	,	,	PUNCT
gp-192	104	13	evaluation	evaluation	NOUN
gp-192	104	14	of	of	ADP
gp-192	104	15	documents	document	NOUN
gp-192	104	16	,	,	PUNCT
gp-192	104	17	and	and	CCONJ
gp-192	104	18	interviews	interview	NOUN
gp-192	104	19	with	with	ADP
gp-192	104	20	people	people	NOUN
gp-192	104	21	involved	involve	VERB
gp-192	104	22	in	in	ADP
gp-192	104	23	digital	digital	ADJ
gp-192	104	24	transformation	transformation	NOUN
gp-192	104	25	at	at	ADP
gp-192	104	26	bpr	bpr	PROPN
gp-192	104	27	xyz	xyz	PROPN
gp-192	104	28	,	,	PUNCT
gp-192	104	29	the	the	DET
gp-192	104	30	researcher	researcher	NOUN
gp-192	104	31	discussed	discuss	VERB
gp-192	104	32	the	the	DET
gp-192	104	33	transformation	transformation	NOUN
gp-192	104	34	of	of	ADP
gp-192	104	35	digital	digital	ADJ
gp-192	104	36	services	service	NOUN
gp-192	104	37	from	from	ADP
gp-192	104	38	a	a	DET
gp-192	104	39	change	change	NOUN
gp-192	104	40	management	management	NOUN
gp-192	104	41	perspective	perspective	NOUN
gp-192	104	42	at	at	ADP
gp-192	104	43	bpr	bpr	ADP
gp-192	104	44	xyz	xyz	PROPN
gp-192	104	45	to	to	PART
gp-192	104	46	answer	answer	VERB
gp-192	104	47	the	the	DET
gp-192	104	48	research	research	NOUN
gp-192	104	49	questions	question	NOUN
gp-192	104	50	,	,	PUNCT
gp-192	104	51	as	as	SCONJ
gp-192	104	52	follows	follow	VERB
gp-192	104	53	:	:	PUNCT
gp-192	104	54	1	1	X
gp-192	104	55	)	)	PUNCT
gp-192	104	56	responding	respond	VERB
gp-192	104	57	to	to	ADP
gp-192	104	58	digital	digital	ADJ
gp-192	104	59	competition	competition	NOUN
gp-192	104	60	bpr	bpr	PROPN
gp-192	104	61	xyz	xyz	PROPN
gp-192	104	62	recognizes	recognize	VERB
gp-192	104	63	the	the	DET
gp-192	104	64	importance	importance	NOUN
gp-192	104	65	of	of	ADP
gp-192	104	66	responding	respond	VERB
gp-192	104	67	to	to	ADP
gp-192	104	68	digital	digital	ADJ
gp-192	104	69	competition	competition	NOUN
gp-192	104	70	with	with	ADP
gp-192	104	71	a	a	DET
gp-192	104	72	strategic	strategic	ADJ
gp-192	104	73	approach	approach	NOUN
gp-192	104	74	that	that	PRON
gp-192	104	75	focuses	focus	VERB
gp-192	104	76	on	on	ADP
gp-192	104	77	monitoring	monitor	VERB
gp-192	104	78	market	market	NOUN
gp-192	104	79	trends	trend	NOUN
gp-192	104	80	and	and	CCONJ
gp-192	104	81	customer	customer	NOUN
gp-192	104	82	needs	need	NOUN
gp-192	104	83	.	.	PUNCT
gp-192	105	1	the	the	DET
gp-192	105	2	bank	bank	NOUN
gp-192	105	3	has	have	AUX
gp-192	105	4	started	start	VERB
gp-192	105	5	to	to	PART
gp-192	105	6	identify	identify	VERB
gp-192	105	7	key	key	ADJ
gp-192	105	8	customer	customer	NOUN
gp-192	105	9	needs	need	NOUN
gp-192	105	10	,	,	PUNCT
gp-192	105	11	such	such	ADJ
gp-192	105	12	as	as	ADP
gp-192	105	13	easy	easy	ADJ
gp-192	105	14	access	access	NOUN
gp-192	105	15	to	to	ADP
gp-192	105	16	services	service	NOUN
gp-192	105	17	through	through	ADP
gp-192	105	18	digital	digital	ADJ
gp-192	105	19	devices	device	NOUN
gp-192	105	20	.	.	PUNCT
gp-192	106	1	this	this	DET
gp-192	106	2	response	response	NOUN
gp-192	106	3	includes	include	VERB
gp-192	106	4	the	the	DET
gp-192	106	5	launch	launch	NOUN
gp-192	106	6	of	of	ADP
gp-192	106	7	technology	technology	NOUN
gp-192	106	8	-	-	PUNCT
gp-192	106	9	based	base	VERB
gp-192	106	10	services	service	NOUN
gp-192	106	11	,	,	PUNCT
gp-192	106	12	such	such	ADJ
gp-192	106	13	as	as	ADP
gp-192	106	14	virtual	virtual	ADJ
gp-192	106	15	account	account	NOUN
gp-192	106	16	services	service	NOUN
gp-192	106	17	and	and	CCONJ
gp-192	106	18	online	online	ADJ
gp-192	106	19	forms	form	NOUN
gp-192	106	20	)	)	PUNCT
gp-192	106	21	.	.	PUNCT
gp-192	107	1	by	by	ADP
gp-192	107	2	understanding	understand	VERB
gp-192	107	3	market	market	NOUN
gp-192	107	4	trends	trend	NOUN
gp-192	107	5	and	and	CCONJ
gp-192	107	6	customer	customer	NOUN
gp-192	107	7	needs	need	NOUN
gp-192	107	8	,	,	PUNCT
gp-192	107	9	bpr	bpr	DET
gp-192	107	10	xyz	xyz	PROPN
gp-192	107	11	is	be	AUX
gp-192	107	12	able	able	ADJ
gp-192	107	13	to	to	PART
gp-192	107	14	maintain	maintain	VERB
gp-192	107	15	its	its	PRON
gp-192	107	16	relevance	relevance	NOUN
gp-192	107	17	in	in	ADP
gp-192	107	18	a	a	DET
gp-192	107	19	competitive	competitive	ADJ
gp-192	107	20	market	market	NOUN
gp-192	107	21	.	.	PUNCT
gp-192	108	1	2	2	X
gp-192	108	2	)	)	PUNCT
gp-192	108	3	management	management	NOUN
gp-192	108	4	readiness	readiness	NOUN
gp-192	108	5	to	to	PART
gp-192	108	6	transform	transform	VERB
gp-192	108	7	digital	digital	ADJ
gp-192	108	8	services	service	NOUN
gp-192	108	9	bpr	bpr	ADP
gp-192	108	10	xyz	xyz	PROPN
gp-192	108	11	's	's	PART
gp-192	108	12	management	management	NOUN
gp-192	108	13	readiness	readiness	NOUN
gp-192	108	14	can	can	AUX
gp-192	108	15	be	be	AUX
gp-192	108	16	seen	see	VERB
gp-192	108	17	from	from	ADP
gp-192	108	18	two	two	NUM
gp-192	108	19	main	main	ADJ
gp-192	108	20	aspects	aspect	NOUN
gp-192	108	21	,	,	PUNCT
gp-192	108	22	namely	namely	ADV
gp-192	108	23	,	,	PUNCT
gp-192	108	24	technical	technical	ADJ
gp-192	108	25	readiness	readiness	NOUN
gp-192	108	26	and	and	CCONJ
gp-192	108	27	organizational	organizational	ADJ
gp-192	108	28	readiness	readiness	NOUN
gp-192	108	29	.	.	PUNCT
gp-192	109	1	technically	technically	ADV
gp-192	109	2	,	,	PUNCT
gp-192	109	3	the	the	DET
gp-192	109	4	bank	bank	NOUN
gp-192	109	5	has	have	AUX
gp-192	109	6	started	start	VERB
gp-192	109	7	allocating	allocate	VERB
gp-192	109	8	resources	resource	NOUN
gp-192	109	9	to	to	PART
gp-192	109	10	develop	develop	VERB
gp-192	109	11	digital	digital	ADJ
gp-192	109	12	infrastructure	infrastructure	NOUN
gp-192	109	13	.	.	PUNCT
gp-192	110	1	in	in	ADP
gp-192	110	2	the	the	DET
gp-192	110	3	context	context	NOUN
gp-192	110	4	of	of	ADP
gp-192	110	5	bpr	bpr	PROPN
gp-192	110	6	xyz	xyz	PROPN
gp-192	110	7	,	,	PUNCT
gp-192	110	8	employee	employee	NOUN
gp-192	110	9	training	training	NOUN
gp-192	110	10	is	be	AUX
gp-192	110	11	the	the	DET
gp-192	110	12	foundation	foundation	NOUN
gp-192	110	13	to	to	PART
gp-192	110	14	ensure	ensure	VERB
gp-192	110	15	the	the	DET
gp-192	110	16	change	change	NOUN
gp-192	110	17	is	be	AUX
gp-192	110	18	widely	widely	ADV
gp-192	110	19	accepted	accept	VERB
gp-192	110	20	throughout	throughout	ADP
gp-192	110	21	the	the	DET
gp-192	110	22	organization	organization	NOUN
gp-192	110	23	.	.	PUNCT
gp-192	111	1	3	3	X
gp-192	111	2	)	)	PUNCT
gp-192	111	3	factors	factor	NOUN
gp-192	111	4	inhibiting	inhibit	VERB
gp-192	111	5	the	the	DET
gp-192	111	6	digital	digital	ADJ
gp-192	111	7	service	service	NOUN
gp-192	111	8	transformation	transformation	NOUN
gp-192	111	9	process	process	NOUN
gp-192	111	10	based	base	VERB
gp-192	111	11	on	on	ADP
gp-192	111	12	the	the	DET
gp-192	111	13	research	research	NOUN
gp-192	111	14	results	result	NOUN
gp-192	111	15	,	,	PUNCT
gp-192	111	16	there	there	PRON
gp-192	111	17	are	be	VERB
gp-192	111	18	several	several	ADJ
gp-192	111	19	inhibiting	inhibit	VERB
gp-192	111	20	factors	factor	NOUN
gp-192	111	21	faced	face	VERB
gp-192	111	22	by	by	ADP
gp-192	111	23	bpr	bpr	PROPN
gp-192	111	24	xyz	xyz	PROPN
gp-192	111	25	in	in	ADP
gp-192	111	26	the	the	DET
gp-192	111	27	digital	digital	ADJ
gp-192	111	28	transformation	transformation	NOUN
gp-192	111	29	process	process	NOUN
gp-192	111	30	.	.	PUNCT
gp-192	112	1	one	one	NUM
gp-192	112	2	of	of	ADP
gp-192	112	3	the	the	DET
gp-192	112	4	main	main	ADJ
gp-192	112	5	factors	factor	NOUN
gp-192	112	6	is	be	AUX
gp-192	112	7	budget	budget	NOUN
gp-192	112	8	constraints	constraint	NOUN
gp-192	112	9	,	,	PUNCT
gp-192	112	10	where	where	SCONJ
gp-192	112	11	the	the	DET
gp-192	112	12	significant	significant	ADJ
gp-192	112	13	investment	investment	NOUN
gp-192	112	14	required	require	VERB
gp-192	112	15	for	for	ADP
gp-192	112	16	technology	technology	NOUN
gp-192	112	17	infrastructure	infrastructure	NOUN
gp-192	112	18	development	development	NOUN
gp-192	112	19	,	,	PUNCT
gp-192	112	20	employee	employee	NOUN
gp-192	112	21	training	training	NOUN
gp-192	112	22	,	,	PUNCT
gp-192	112	23	and	and	CCONJ
gp-192	112	24	new	new	ADJ
gp-192	112	25	system	system	NOUN
gp-192	112	26	integration	integration	NOUN
gp-192	112	27	is	be	AUX
gp-192	112	28	a	a	DET
gp-192	112	29	major	major	ADJ
gp-192	112	30	challenge	challenge	NOUN
gp-192	112	31	.	.	PUNCT
gp-192	113	1	the	the	DET
gp-192	113	2	lack	lack	NOUN
gp-192	113	3	of	of	ADP
gp-192	113	4	adequate	adequate	ADJ
gp-192	113	5	technology	technology	NOUN
gp-192	113	6	infrastructure	infrastructure	NOUN
gp-192	113	7	is	be	AUX
gp-192	113	8	also	also	ADV
gp-192	113	9	an	an	DET
gp-192	113	10	obstacle	obstacle	NOUN
gp-192	113	11	,	,	PUNCT
gp-192	113	12	including	include	VERB
gp-192	113	13	limited	limited	ADJ
gp-192	113	14	hardware	hardware	NOUN
gp-192	113	15	,	,	PUNCT
gp-192	113	16	software	software	NOUN
gp-192	113	17	,	,	PUNCT
gp-192	113	18	and	and	CCONJ
gp-192	113	19	network	network	NOUN
gp-192	113	20	systems	system	NOUN
gp-192	113	21	that	that	PRON
gp-192	113	22	have	have	AUX
gp-192	113	23	not	not	PART
gp-192	113	24	been	be	AUX
gp-192	113	25	optimized	optimize	VERB
gp-192	113	26	to	to	PART
gp-192	113	27	support	support	VERB
gp-192	113	28	modern	modern	ADJ
gp-192	113	29	digital	digital	ADJ
gp-192	113	30	services	service	NOUN
gp-192	113	31	.	.	PUNCT
gp-192	114	1	another	another	DET
gp-192	114	2	factor	factor	NOUN
gp-192	114	3	is	be	AUX
gp-192	114	4	the	the	DET
gp-192	114	5	limited	limited	ADJ
gp-192	114	6	digital	digital	ADJ
gp-192	114	7	competency	competency	NOUN
gp-192	114	8	among	among	ADP
gp-192	114	9	employees	employee	NOUN
gp-192	114	10	.	.	PUNCT
gp-192	115	1	4	4	X
gp-192	115	2	)	)	PUNCT
gp-192	115	3	change	change	NOUN
gp-192	115	4	management	management	NOUN
gp-192	115	5	strategies	strategy	NOUN
gp-192	115	6	that	that	PRON
gp-192	115	7	can	can	AUX
gp-192	115	8	drive	drive	VERB
gp-192	115	9	a	a	DET
gp-192	115	10	successful	successful	ADJ
gp-192	115	11	digital	digital	ADJ
gp-192	115	12	transformation	transformation	NOUN
gp-192	115	13	process	process	NOUN
gp-192	115	14	change	change	NOUN
gp-192	115	15	management	management	NOUN
gp-192	115	16	strategies	strategy	NOUN
gp-192	115	17	that	that	PRON
gp-192	115	18	can	can	AUX
gp-192	115	19	be	be	AUX
gp-192	115	20	implemented	implement	VERB
gp-192	115	21	include	include	VERB
gp-192	115	22	:	:	PUNCT
gp-192	115	23	a	a	X
gp-192	115	24	)	)	PUNCT
gp-192	115	25	communicating	communicate	VERB
gp-192	115	26	the	the	DET
gp-192	115	27	transformation	transformation	NOUN
gp-192	115	28	vision	vision	NOUN
gp-192	115	29	:	:	PUNCT
gp-192	115	30	management	management	NOUN
gp-192	115	31	needs	need	VERB
gp-192	115	32	to	to	PART
gp-192	115	33	clearly	clearly	ADV
gp-192	115	34	communicate	communicate	VERB
gp-192	115	35	the	the	DET
gp-192	115	36	digital	digital	ADJ
gp-192	115	37	transformation	transformation	NOUN
gp-192	115	38	vision	vision	NOUN
gp-192	115	39	to	to	ADP
gp-192	115	40	all	all	DET
gp-192	115	41	employees	employee	NOUN
gp-192	115	42	to	to	PART
gp-192	115	43	create	create	VERB
gp-192	115	44	understanding	understanding	NOUN
gp-192	115	45	and	and	CCONJ
gp-192	115	46	buy	buy	NOUN
gp-192	115	47	-	-	PUNCT
gp-192	115	48	in	in	NOUN
gp-192	115	49	.	.	PUNCT
gp-192	116	1	b	b	X
gp-192	116	2	)	)	PUNCT
gp-192	116	3	active	active	ADJ
gp-192	116	4	employee	employee	NOUN
gp-192	116	5	involvement	involvement	NOUN
gp-192	116	6	:	:	PUNCT
gp-192	116	7	this	this	PRON
gp-192	116	8	can	can	AUX
gp-192	116	9	be	be	AUX
gp-192	116	10	done	do	VERB
gp-192	116	11	through	through	ADP
gp-192	116	12	workshops	workshop	NOUN
gp-192	116	13	,	,	PUNCT
gp-192	116	14	training	training	NOUN
gp-192	116	15	,	,	PUNCT
gp-192	116	16	and	and	CCONJ
gp-192	116	17	rewarding	rewarding	ADJ
gp-192	116	18	employees	employee	NOUN
gp-192	116	19	who	who	PRON
gp-192	116	20	show	show	VERB
gp-192	116	21	good	good	ADJ
gp-192	116	22	adaptation	adaptation	NOUN
gp-192	116	23	to	to	PART
gp-192	116	24	change	change	VERB
gp-192	116	25	.	.	PUNCT
gp-192	117	1	c	c	X
gp-192	117	2	)	)	PUNCT
gp-192	117	3	phased	phased	ADJ
gp-192	117	4	approach	approach	NOUN
gp-192	117	5	:	:	PUNCT
gp-192	117	6	transformation	transformation	NOUN
gp-192	117	7	is	be	AUX
gp-192	117	8	carried	carry	VERB
gp-192	117	9	out	out	ADP
gp-192	117	10	in	in	ADP
gp-192	117	11	stages	stage	NOUN
gp-192	117	12	with	with	ADP
gp-192	117	13	a	a	DET
gp-192	117	14	focus	focus	NOUN
gp-192	117	15	on	on	ADP
gp-192	117	16	projects	project	NOUN
gp-192	117	17	that	that	PRON
gp-192	117	18	deliver	deliver	VERB
gp-192	117	19	tangible	tangible	ADJ
gp-192	117	20	results	result	NOUN
gp-192	117	21	in	in	ADP
gp-192	117	22	a	a	DET
gp-192	117	23	short	short	ADJ
gp-192	117	24	period	period	NOUN
gp-192	117	25	of	of	ADP
gp-192	117	26	time	time	NOUN
gp-192	117	27	(	(	PUNCT
gp-192	117	28	quick	quick	ADJ
gp-192	117	29	wins	win	NOUN
gp-192	117	30	)	)	PUNCT
gp-192	117	31	.	.	PUNCT
gp-192	118	1	akhmat	akhmat	NOUN
gp-192	118	2	mustofa	mustofa	PROPN
gp-192	118	3	,	,	PUNCT
gp-192	118	4	edy	edy	PROPN
gp-192	118	5	raharja	raharja	PROPN
gp-192	118	6	235	235	NUM
gp-192	118	7	d	d	NOUN
gp-192	118	8	)	)	PUNCT
gp-192	118	9	monitoring	monitoring	NOUN
gp-192	118	10	and	and	CCONJ
gp-192	118	11	evaluation	evaluation	NOUN
gp-192	118	12	:	:	PUNCT
gp-192	118	13	management	management	NOUN
gp-192	118	14	needs	need	VERB
gp-192	118	15	to	to	PART
gp-192	118	16	regularly	regularly	ADV
gp-192	118	17	evaluate	evaluate	VERB
gp-192	118	18	the	the	DET
gp-192	118	19	progress	progress	NOUN
gp-192	118	20	of	of	ADP
gp-192	118	21	digital	digital	ADJ
gp-192	118	22	transformation	transformation	NOUN
gp-192	118	23	to	to	PART
gp-192	118	24	identify	identify	VERB
gp-192	118	25	areas	area	NOUN
gp-192	118	26	that	that	PRON
gp-192	118	27	require	require	VERB
gp-192	118	28	improvement	improvement	NOUN
gp-192	118	29	.	.	PUNCT
gp-192	119	1	conclusion	conclusion	NOUN
gp-192	119	2	this	this	DET
gp-192	119	3	research	research	NOUN
gp-192	119	4	aims	aim	VERB
gp-192	119	5	to	to	PART
gp-192	119	6	analyze	analyze	VERB
gp-192	119	7	digital	digital	ADJ
gp-192	119	8	transformation	transformation	NOUN
gp-192	119	9	management	management	NOUN
gp-192	119	10	at	at	ADP
gp-192	119	11	pt	pt	PROPN
gp-192	119	12	bpr	bpr	PROPN
gp-192	119	13	xyz	xyz	PROPN
gp-192	119	14	,	,	PUNCT
gp-192	119	15	focusing	focus	VERB
gp-192	119	16	on	on	ADP
gp-192	119	17	organizational	organizational	ADJ
gp-192	119	18	readiness	readiness	NOUN
gp-192	119	19	,	,	PUNCT
gp-192	119	20	barriers	barrier	NOUN
gp-192	119	21	,	,	PUNCT
gp-192	119	22	and	and	CCONJ
gp-192	119	23	change	change	VERB
gp-192	119	24	management	management	NOUN
gp-192	119	25	strategies	strategy	NOUN
gp-192	119	26	.	.	PUNCT
gp-192	120	1	the	the	DET
gp-192	120	2	idea	idea	NOUN
gp-192	120	3	behind	behind	ADP
gp-192	120	4	this	this	DET
gp-192	120	5	research	research	NOUN
gp-192	120	6	is	be	AUX
gp-192	120	7	to	to	PART
gp-192	120	8	provide	provide	VERB
gp-192	120	9	a	a	DET
gp-192	120	10	comprehensive	comprehensive	ADJ
gp-192	120	11	understanding	understanding	NOUN
gp-192	120	12	of	of	ADP
gp-192	120	13	how	how	SCONJ
gp-192	120	14	digital	digital	ADJ
gp-192	120	15	transformation	transformation	NOUN
gp-192	120	16	can	can	AUX
gp-192	120	17	be	be	AUX
gp-192	120	18	effectively	effectively	ADV
gp-192	120	19	managed	manage	VERB
gp-192	120	20	within	within	ADP
gp-192	120	21	a	a	DET
gp-192	120	22	small	small	ADJ
gp-192	120	23	-	-	PUNCT
gp-192	120	24	scale	scale	NOUN
gp-192	120	25	banking	banking	NOUN
gp-192	120	26	institution	institution	NOUN
gp-192	120	27	like	like	ADP
gp-192	120	28	pt	pt	PROPN
gp-192	120	29	bpr	bpr	PROPN
gp-192	120	30	xyz	xyz	PROPN
gp-192	120	31	,	,	PUNCT
gp-192	120	32	which	which	PRON
gp-192	120	33	is	be	AUX
gp-192	120	34	often	often	ADV
gp-192	120	35	constrained	constrain	VERB
gp-192	120	36	by	by	ADP
gp-192	120	37	limited	limited	ADJ
gp-192	120	38	resources	resource	NOUN
gp-192	120	39	and	and	CCONJ
gp-192	120	40	traditional	traditional	ADJ
gp-192	120	41	operational	operational	ADJ
gp-192	120	42	models	model	NOUN
gp-192	120	43	.	.	PUNCT
gp-192	121	1	based	base	VERB
gp-192	121	2	on	on	ADP
gp-192	121	3	data	datum	NOUN
gp-192	121	4	analysis	analysis	NOUN
gp-192	121	5	and	and	CCONJ
gp-192	121	6	research	research	NOUN
gp-192	121	7	findings	finding	NOUN
gp-192	121	8	,	,	PUNCT
gp-192	121	9	some	some	PRON
gp-192	121	10	of	of	ADP
gp-192	121	11	the	the	DET
gp-192	121	12	main	main	ADJ
gp-192	121	13	conclusions	conclusion	NOUN
gp-192	121	14	are	be	AUX
gp-192	121	15	as	as	SCONJ
gp-192	121	16	follows	follow	VERB
gp-192	121	17	:	:	PUNCT
gp-192	121	18	organizational	organizational	ADJ
gp-192	121	19	readiness	readiness	NOUN
gp-192	121	20	,	,	PUNCT
gp-192	121	21	pt	pt	PROPN
gp-192	121	22	bpr	bpr	PROPN
gp-192	121	23	xyz	xyz	PROPN
gp-192	121	24	has	have	AUX
gp-192	121	25	realized	realize	VERB
gp-192	121	26	the	the	DET
gp-192	121	27	importance	importance	NOUN
gp-192	121	28	of	of	ADP
gp-192	121	29	digital	digital	ADJ
gp-192	121	30	transformation	transformation	NOUN
gp-192	121	31	as	as	ADP
gp-192	121	32	a	a	DET
gp-192	121	33	necessity	necessity	NOUN
gp-192	121	34	to	to	PART
gp-192	121	35	improve	improve	VERB
gp-192	121	36	competitiveness	competitiveness	NOUN
gp-192	121	37	in	in	ADP
gp-192	121	38	the	the	DET
gp-192	121	39	banking	banking	NOUN
gp-192	121	40	industry	industry	NOUN
gp-192	121	41	.	.	PUNCT
gp-192	122	1	although	although	SCONJ
gp-192	122	2	there	there	PRON
gp-192	122	3	are	be	VERB
gp-192	122	4	efforts	effort	NOUN
gp-192	122	5	to	to	PART
gp-192	122	6	survey	survey	VERB
gp-192	122	7	customer	customer	NOUN
gp-192	122	8	needs	need	NOUN
gp-192	122	9	and	and	CCONJ
gp-192	122	10	customer	customer	NOUN
gp-192	122	11	desires	desire	NOUN
gp-192	122	12	for	for	ADP
gp-192	122	13	digital	digital	ADJ
gp-192	122	14	services	service	NOUN
gp-192	122	15	,	,	PUNCT
gp-192	122	16	the	the	DET
gp-192	122	17	implementation	implementation	NOUN
gp-192	122	18	of	of	ADP
gp-192	122	19	digital	digital	ADJ
gp-192	122	20	transformation	transformation	NOUN
gp-192	122	21	is	be	AUX
gp-192	122	22	still	still	ADV
gp-192	122	23	hampered	hamper	VERB
gp-192	122	24	by	by	ADP
gp-192	122	25	limited	limited	ADJ
gp-192	122	26	human	human	ADJ
gp-192	122	27	resources	resource	NOUN
gp-192	122	28	who	who	PRON
gp-192	122	29	are	be	AUX
gp-192	122	30	competent	competent	ADJ
gp-192	122	31	in	in	ADP
gp-192	122	32	the	the	DET
gp-192	122	33	field	field	NOUN
gp-192	122	34	of	of	ADP
gp-192	122	35	technology	technology	NOUN
gp-192	122	36	.	.	PUNCT
gp-192	123	1	barriers	barrier	NOUN
gp-192	123	2	to	to	ADP
gp-192	123	3	digital	digital	ADJ
gp-192	123	4	transformation	transformation	NOUN
gp-192	123	5	,	,	PUNCT
gp-192	123	6	the	the	DET
gp-192	123	7	main	main	ADJ
gp-192	123	8	barriers	barrier	NOUN
gp-192	123	9	include	include	VERB
gp-192	123	10	lack	lack	NOUN
gp-192	123	11	of	of	ADP
gp-192	123	12	employee	employee	NOUN
gp-192	123	13	competence	competence	NOUN
gp-192	123	14	in	in	ADP
gp-192	123	15	digital	digital	ADJ
gp-192	123	16	application	application	NOUN
gp-192	123	17	development	development	NOUN
gp-192	123	18	,	,	PUNCT
gp-192	123	19	resistance	resistance	NOUN
gp-192	123	20	to	to	PART
gp-192	123	21	change	change	VERB
gp-192	123	22	,	,	PUNCT
gp-192	123	23	and	and	CCONJ
gp-192	123	24	limited	limited	ADJ
gp-192	123	25	mastery	mastery	NOUN
gp-192	123	26	of	of	ADP
gp-192	123	27	technology	technology	NOUN
gp-192	123	28	.	.	PUNCT
gp-192	124	1	in	in	ADP
gp-192	124	2	addition	addition	NOUN
gp-192	124	3	,	,	PUNCT
gp-192	124	4	the	the	DET
gp-192	124	5	absence	absence	NOUN
gp-192	124	6	of	of	ADP
gp-192	124	7	a	a	DET
gp-192	124	8	specific	specific	ADJ
gp-192	124	9	digital	digital	ADJ
gp-192	124	10	transformation	transformation	NOUN
gp-192	124	11	vision	vision	NOUN
gp-192	124	12	reduces	reduce	VERB
gp-192	124	13	focused	focus	VERB
gp-192	124	14	strategic	strategic	ADJ
gp-192	124	15	direction	direction	NOUN
gp-192	124	16	.	.	PUNCT
gp-192	125	1	change	change	NOUN
gp-192	125	2	management	management	NOUN
gp-192	125	3	strategy	strategy	NOUN
gp-192	125	4	,	,	PUNCT
gp-192	125	5	digital	digital	ADJ
gp-192	125	6	transformation	transformation	NOUN
gp-192	125	7	at	at	ADP
gp-192	125	8	bpr	bpr	PROPN
gp-192	125	9	xyz	xyz	PROPN
gp-192	125	10	was	be	AUX
gp-192	125	11	initiated	initiate	VERB
gp-192	125	12	by	by	ADP
gp-192	125	13	proactive	proactive	ADJ
gp-192	125	14	leadership	leadership	NOUN
gp-192	125	15	.	.	PUNCT
gp-192	126	1	however	however	ADV
gp-192	126	2	,	,	PUNCT
gp-192	126	3	a	a	DET
gp-192	126	4	dedicated	dedicated	ADJ
gp-192	126	5	team	team	NOUN
gp-192	126	6	is	be	AUX
gp-192	126	7	still	still	ADV
gp-192	126	8	needed	need	VERB
gp-192	126	9	to	to	PART
gp-192	126	10	manage	manage	VERB
gp-192	126	11	this	this	DET
gp-192	126	12	change	change	NOUN
gp-192	126	13	systematically	systematically	ADV
gp-192	126	14	.	.	PUNCT
gp-192	127	1	employee	employee	NOUN
gp-192	127	2	engagement	engagement	NOUN
gp-192	127	3	through	through	ADP
gp-192	127	4	intensive	intensive	ADJ
gp-192	127	5	training	training	NOUN
gp-192	127	6	and	and	CCONJ
gp-192	127	7	effective	effective	ADJ
gp-192	127	8	communication	communication	NOUN
gp-192	127	9	is	be	AUX
gp-192	127	10	an	an	DET
gp-192	127	11	important	important	ADJ
gp-192	127	12	element	element	NOUN
gp-192	127	13	in	in	ADP
gp-192	127	14	overcoming	overcome	VERB
gp-192	127	15	barriers	barrier	NOUN
gp-192	127	16	and	and	CCONJ
gp-192	127	17	increasing	increase	VERB
gp-192	127	18	digitalization	digitalization	NOUN
gp-192	127	19	adoption	adoption	NOUN
gp-192	127	20	.	.	PUNCT
gp-192	128	1	benefits	benefit	NOUN
gp-192	128	2	of	of	ADP
gp-192	128	3	digital	digital	ADJ
gp-192	128	4	transformation	transformation	NOUN
gp-192	128	5	,	,	PUNCT
gp-192	128	6	digital	digital	ADJ
gp-192	128	7	transformation	transformation	NOUN
gp-192	128	8	is	be	AUX
gp-192	128	9	expected	expect	VERB
gp-192	128	10	to	to	PART
gp-192	128	11	improve	improve	VERB
gp-192	128	12	operational	operational	ADJ
gp-192	128	13	efficiency	efficiency	NOUN
gp-192	128	14	,	,	PUNCT
gp-192	128	15	expand	expand	VERB
gp-192	128	16	service	service	NOUN
gp-192	128	17	coverage	coverage	NOUN
gp-192	128	18	,	,	PUNCT
gp-192	128	19	and	and	CCONJ
gp-192	128	20	meet	meet	VERB
gp-192	128	21	the	the	DET
gp-192	128	22	needs	need	NOUN
gp-192	128	23	of	of	ADP
gp-192	128	24	customers	customer	NOUN
gp-192	128	25	who	who	PRON
gp-192	128	26	increasingly	increasingly	ADV
gp-192	128	27	prioritize	prioritize	VERB
gp-192	128	28	ease	ease	NOUN
gp-192	128	29	and	and	CCONJ
gp-192	128	30	speed	speed	NOUN
gp-192	128	31	in	in	ADP
gp-192	128	32	transactions	transaction	NOUN
gp-192	128	33	.	.	PUNCT
gp-192	129	1	bibliography	bibliography	NOUN
gp-192	129	2	aditya	aditya	PROPN
gp-192	129	3	,	,	PUNCT
gp-192	129	4	b.	b.	PROPN
gp-192	129	5	r.	r.	PROPN
gp-192	129	6	,	,	PUNCT
gp-192	129	7	ferdiana	ferdiana	PROPN
gp-192	129	8	,	,	PUNCT
gp-192	129	9	r.	r.	PROPN
gp-192	129	10	,	,	PUNCT
gp-192	129	11	&	&	CCONJ
gp-192	129	12	kusumawardani	kusumawardani	PROPN
gp-192	129	13	,	,	PUNCT
gp-192	129	14	s.	s.	PROPN
gp-192	129	15	s.	s.	PROPN
gp-192	129	16	(	(	PUNCT
gp-192	129	17	2022	2022	NUM
gp-192	129	18	)	)	PUNCT
gp-192	129	19	.	.	PUNCT
gp-192	130	1	identifying	identify	VERB
gp-192	130	2	and	and	CCONJ
gp-192	130	3	prioritizing	prioritize	VERB
gp-192	130	4	barriers	barrier	NOUN
gp-192	130	5	to	to	ADP
gp-192	130	6	digital	digital	ADJ
gp-192	130	7	transformation	transformation	NOUN
gp-192	130	8	in	in	ADP
gp-192	130	9	higher	high	ADJ
gp-192	130	10	education	education	NOUN
gp-192	130	11	:	:	PUNCT
gp-192	130	12	a	a	DET
gp-192	130	13	case	case	NOUN
gp-192	130	14	study	study	NOUN
gp-192	130	15	in	in	ADP
gp-192	130	16	indonesia	indonesia	PROPN
gp-192	130	17	.	.	PUNCT
gp-192	131	1	international	international	ADJ
gp-192	131	2	journal	journal	PROPN
gp-192	131	3	of	of	ADP
gp-192	131	4	innovation	innovation	NOUN
gp-192	131	5	science	science	NOUN
gp-192	131	6	,	,	PUNCT
gp-192	131	7	14(3/4	14(3/4	NUM
gp-192	131	8	)	)	PUNCT
gp-192	131	9	,	,	PUNCT
gp-192	131	10	445–460	445–460	NUM
gp-192	131	11	.	.	PUNCT
gp-192	132	1	https://doi.org/10.1108/ijis-11-2020-0262	https://doi.org/10.1108/ijis-11-2020-0262	PROPN
gp-192	132	2	agrawal	agrawal	PROPN
gp-192	132	3	,	,	PUNCT
gp-192	132	4	p.	p.	PROPN
gp-192	132	5	,	,	PUNCT
gp-192	132	6	narain	narain	PROPN
gp-192	132	7	,	,	PUNCT
gp-192	132	8	r.	r.	PROPN
gp-192	132	9	,	,	PUNCT
gp-192	132	10	&	&	CCONJ
gp-192	132	11	ullah	ullah	PROPN
gp-192	132	12	,	,	PUNCT
gp-192	132	13	i.	i.	PROPN
gp-192	132	14	(	(	PUNCT
gp-192	132	15	2019	2019	NUM
gp-192	132	16	)	)	PUNCT
gp-192	132	17	.	.	PUNCT
gp-192	133	1	analysis	analysis	NOUN
gp-192	133	2	of	of	ADP
gp-192	133	3	barriers	barrier	NOUN
gp-192	133	4	in	in	ADP
gp-192	133	5	implementation	implementation	NOUN
gp-192	133	6	of	of	ADP
gp-192	133	7	digital	digital	ADJ
gp-192	133	8	transformation	transformation	NOUN
gp-192	133	9	of	of	ADP
gp-192	133	10	supply	supply	NOUN
gp-192	133	11	chain	chain	NOUN
gp-192	133	12	using	use	VERB
gp-192	133	13	interpretive	interpretive	ADJ
gp-192	133	14	structural	structural	ADJ
gp-192	133	15	modelling	modelling	NOUN
gp-192	133	16	approach	approach	NOUN
gp-192	133	17	.	.	PUNCT
gp-192	134	1	journal	journal	NOUN
gp-192	134	2	of	of	ADP
gp-192	134	3	modelling	modelling	NOUN
gp-192	134	4	in	in	ADP
gp-192	134	5	management	management	NOUN
gp-192	134	6	,	,	PUNCT
gp-192	134	7	15(1	15(1	NUM
gp-192	134	8	)	)	PUNCT
gp-192	134	9	,	,	PUNCT
gp-192	134	10	297–317	297–317	NUM
gp-192	134	11	.	.	PUNCT
gp-192	135	1	https://doi.org/10.1108/jm2-03-2019-0066	https://doi.org/10.1108/jm2-03-2019-0066	PROPN
gp-192	135	2	ahmed	ahmed	ADJ
gp-192	135	3	,	,	PUNCT
gp-192	135	4	m.	m.	NOUN
gp-192	135	5	(	(	PUNCT
gp-192	135	6	2024	2024	NUM
gp-192	135	7	)	)	PUNCT
gp-192	135	8	.	.	PUNCT
gp-192	136	1	change	change	NOUN
gp-192	136	2	management	management	NOUN
gp-192	136	3	adaptation	adaptation	NOUN
gp-192	136	4	in	in	ADP
gp-192	136	5	the	the	DET
gp-192	136	6	medical	medical	ADJ
gp-192	136	7	and	and	CCONJ
gp-192	136	8	healthcare	healthcare	NOUN
gp-192	136	9	sector	sector	NOUN
gp-192	136	10	:	:	PUNCT
gp-192	136	11	the	the	DET
gp-192	136	12	case	case	NOUN
gp-192	136	13	of	of	ADP
gp-192	136	14	xyz	xyz	PROPN
gp-192	136	15	group	group	PROPN
gp-192	136	16	in	in	ADP
gp-192	136	17	gulf	gulf	PROPN
gp-192	136	18	region	region	NOUN
gp-192	136	19	.	.	PUNCT
gp-192	137	1	argyris	argyris	PROPN
gp-192	137	2	,	,	PUNCT
gp-192	137	3	c.	c.	PROPN
gp-192	137	4	(	(	PUNCT
gp-192	137	5	2017	2017	NUM
gp-192	137	6	)	)	PUNCT
gp-192	137	7	.	.	PUNCT
gp-192	138	1	integrating	integrate	VERB
gp-192	138	2	the	the	DET
gp-192	138	3	individual	individual	NOUN
gp-192	138	4	and	and	CCONJ
gp-192	138	5	the	the	DET
gp-192	138	6	organization	organization	NOUN
gp-192	138	7	.	.	PUNCT
gp-192	139	1	routledge	routledge	PROPN
gp-192	139	2	.	.	PUNCT
gp-192	139	3	blake	blake	PROPN
gp-192	139	4	,	,	PUNCT
gp-192	139	5	h.	h.	PROPN
gp-192	139	6	,	,	PUNCT
gp-192	139	7	vaughan	vaughan	PROPN
gp-192	139	8	,	,	PUNCT
gp-192	139	9	b.	b.	PROPN
gp-192	139	10	,	,	PUNCT
gp-192	139	11	bartle	bartle	PROPN
gp-192	139	12	,	,	PUNCT
gp-192	139	13	c.	c.	PROPN
gp-192	139	14	,	,	PUNCT
gp-192	139	15	yarker	yarker	PROPN
gp-192	139	16	,	,	PUNCT
gp-192	139	17	j.	j.	PROPN
gp-192	139	18	,	,	PUNCT
gp-192	139	19	munir	munir	PROPN
gp-192	139	20	,	,	PUNCT
gp-192	139	21	f.	f.	PROPN
gp-192	139	22	,	,	PUNCT
gp-192	139	23	marwaha	marwaha	PROPN
gp-192	139	24	,	,	PUNCT
gp-192	139	25	s.	s.	PROPN
gp-192	139	26	,	,	PUNCT
gp-192	139	27	daly	daly	PROPN
gp-192	139	28	,	,	PUNCT
gp-192	139	29	g.	g.	PROPN
gp-192	139	30	,	,	PUNCT
gp-192	139	31	russell	russell	PROPN
gp-192	139	32	,	,	PUNCT
gp-192	139	33	s.	s.	PROPN
gp-192	139	34	,	,	PUNCT
gp-192	139	35	meyer	meyer	PROPN
gp-192	139	36	,	,	PUNCT
gp-192	139	37	c.	c.	PROPN
gp-192	139	38	,	,	PUNCT
gp-192	139	39	&	&	CCONJ
gp-192	139	40	hassard	hassard	PROPN
gp-192	139	41	,	,	PUNCT
gp-192	139	42	j.	j.	PROPN
gp-192	139	43	(	(	PUNCT
gp-192	139	44	2022	2022	NUM
gp-192	139	45	)	)	PUNCT
gp-192	139	46	.	.	PUNCT
gp-192	140	1	managing	manage	VERB
gp-192	140	2	minds	mind	NOUN
gp-192	140	3	at	at	ADP
gp-192	140	4	work	work	NOUN
gp-192	140	5	:	:	PUNCT
gp-192	140	6	development	development	NOUN
gp-192	140	7	of	of	ADP
gp-192	140	8	a	a	DET
gp-192	140	9	digital	digital	ADJ
gp-192	140	10	line	line	NOUN
gp-192	140	11	manager	manager	NOUN
gp-192	140	12	training	training	NOUN
gp-192	140	13	program	program	NOUN
gp-192	140	14	.	.	PUNCT
gp-192	141	1	international	international	ADJ
gp-192	141	2	journal	journal	PROPN
gp-192	141	3	of	of	ADP
gp-192	141	4	environmental	environmental	ADJ
gp-192	141	5	research	research	NOUN
gp-192	141	6	and	and	CCONJ
gp-192	141	7	public	public	ADJ
gp-192	141	8	health	health	NOUN
gp-192	141	9	,	,	PUNCT
gp-192	141	10	19(13	19(13	NUM
gp-192	141	11	)	)	PUNCT
gp-192	141	12	,	,	PUNCT
gp-192	141	13	8006	8006	NUM
gp-192	141	14	.	.	PUNCT
gp-192	142	1	american	american	ADJ
gp-192	142	2	journal	journal	PROPN
gp-192	142	3	of	of	ADP
gp-192	142	4	economic	economic	ADJ
gp-192	142	5	and	and	CCONJ
gp-192	142	6	management	management	NOUN
gp-192	142	7	business	business	NOUN
gp-192	142	8	vol	vol	NOUN
gp-192	142	9	.	.	PROPN
gp-192	143	1	4	4	NUM
gp-192	143	2	no	no	NOUN
gp-192	143	3	.	.	NOUN
gp-192	143	4	3	3	NUM
gp-192	143	5	march	march	NOUN
gp-192	143	6	2025	2025	NUM
gp-192	143	7	236	236	NUM
gp-192	143	8	bueno	bueno	NOUN
gp-192	143	9	,	,	PUNCT
gp-192	143	10	l.	l.	PROPN
gp-192	143	11	a.	a.	PROPN
gp-192	143	12	,	,	PUNCT
gp-192	143	13	sigahi	sigahi	NOUN
gp-192	143	14	,	,	PUNCT
gp-192	143	15	t.	t.	PROPN
gp-192	143	16	f.	f.	PROPN
gp-192	143	17	a.	a.	PROPN
gp-192	143	18	c.	c.	PROPN
gp-192	143	19	,	,	PUNCT
gp-192	143	20	rampasso	rampasso	PROPN
gp-192	143	21	,	,	PUNCT
gp-192	143	22	i.	i.	PROPN
gp-192	143	23	s.	s.	PROPN
gp-192	143	24	,	,	PUNCT
gp-192	143	25	leal	leal	ADJ
gp-192	143	26	filho	filho	PROPN
gp-192	143	27	,	,	PUNCT
gp-192	143	28	w.	w.	PROPN
gp-192	143	29	,	,	PUNCT
gp-192	143	30	&	&	CCONJ
gp-192	143	31	anholon	anholon	PROPN
gp-192	143	32	,	,	PUNCT
gp-192	143	33	r.	r.	PROPN
gp-192	143	34	(	(	PUNCT
gp-192	143	35	2024	2024	NUM
gp-192	143	36	)	)	PUNCT
gp-192	143	37	.	.	PUNCT
gp-192	144	1	impacts	impact	NOUN
gp-192	144	2	of	of	ADP
gp-192	144	3	digitization	digitization	NOUN
gp-192	144	4	on	on	ADP
gp-192	144	5	operational	operational	ADJ
gp-192	144	6	efficiency	efficiency	NOUN
gp-192	144	7	in	in	ADP
gp-192	144	8	the	the	DET
gp-192	144	9	banking	banking	NOUN
gp-192	144	10	sector	sector	NOUN
gp-192	144	11	:	:	PUNCT
gp-192	144	12	thematic	thematic	ADJ
gp-192	144	13	analysis	analysis	NOUN
gp-192	144	14	and	and	CCONJ
gp-192	144	15	research	research	NOUN
gp-192	144	16	agenda	agenda	NOUN
gp-192	144	17	proposal	proposal	NOUN
gp-192	144	18	.	.	PUNCT
gp-192	145	1	international	international	ADJ
gp-192	145	2	journal	journal	PROPN
gp-192	145	3	of	of	ADP
gp-192	145	4	information	information	NOUN
gp-192	145	5	management	management	NOUN
gp-192	145	6	data	datum	NOUN
gp-192	145	7	insights	insight	NOUN
gp-192	145	8	,	,	PUNCT
gp-192	145	9	4(1	4(1	NOUN
gp-192	145	10	)	)	PUNCT
gp-192	145	11	,	,	PUNCT
gp-192	145	12	100230	100230	NUM
gp-192	145	13	.	.	PUNCT
gp-192	146	1	https://doi.org/10.1016/j.jjimei.2024.100230	https://doi.org/10.1016/j.jjimei.2024.100230	ADJ
gp-192	146	2	chanias	chanias	PROPN
gp-192	146	3	,	,	PUNCT
gp-192	146	4	s.	s.	PROPN
gp-192	146	5	,	,	PUNCT
gp-192	146	6	myers	myers	PROPN
gp-192	146	7	,	,	PUNCT
gp-192	146	8	m.	m.	PROPN
gp-192	146	9	d.	d.	PROPN
gp-192	146	10	,	,	PUNCT
gp-192	146	11	&	&	CCONJ
gp-192	146	12	hess	hess	PROPN
gp-192	146	13	,	,	PUNCT
gp-192	146	14	t.	t.	PROPN
gp-192	146	15	(	(	PUNCT
gp-192	146	16	2019	2019	NUM
gp-192	146	17	)	)	PUNCT
gp-192	146	18	.	.	PUNCT
gp-192	147	1	digital	digital	ADJ
gp-192	147	2	transformation	transformation	NOUN
gp-192	147	3	strategy	strategy	NOUN
gp-192	147	4	making	make	VERB
gp-192	147	5	in	in	ADP
gp-192	147	6	pre	pre	ADJ
gp-192	147	7	-	-	ADJ
gp-192	147	8	digital	digital	ADJ
gp-192	147	9	organizations	organization	NOUN
gp-192	147	10	:	:	PUNCT
gp-192	147	11	the	the	DET
gp-192	147	12	case	case	NOUN
gp-192	147	13	of	of	ADP
gp-192	147	14	a	a	DET
gp-192	147	15	financial	financial	ADJ
gp-192	147	16	services	service	NOUN
gp-192	147	17	provider	provider	NOUN
gp-192	147	18	.	.	PUNCT
gp-192	148	1	the	the	DET
gp-192	148	2	journal	journal	NOUN
gp-192	148	3	of	of	ADP
gp-192	148	4	strategic	strategic	ADJ
gp-192	148	5	information	information	NOUN
gp-192	148	6	systems	system	NOUN
gp-192	148	7	,	,	PUNCT
gp-192	148	8	28(1	28(1	NOUN
gp-192	148	9	)	)	PUNCT
gp-192	148	10	,	,	PUNCT
gp-192	148	11	17–33	17–33	NUM
gp-192	148	12	.	.	PUNCT
gp-192	149	1	https://doi.org/10.1016/j.jsis.2018.11.003	https://doi.org/10.1016/j.jsis.2018.11.003	PROPN
gp-192	149	2	dorfleitner	dorfleitner	NOUN
gp-192	149	3	,	,	PUNCT
gp-192	149	4	g.	g.	PROPN
gp-192	149	5	,	,	PUNCT
gp-192	149	6	forcella	forcella	NOUN
gp-192	149	7	,	,	PUNCT
gp-192	149	8	d.	d.	PROPN
gp-192	149	9	,	,	PUNCT
gp-192	149	10	&	&	CCONJ
gp-192	149	11	nguyen	nguyen	PROPN
gp-192	149	12	,	,	PUNCT
gp-192	149	13	q.	q.	PROPN
gp-192	149	14	a.	a.	PROPN
gp-192	149	15	(	(	PUNCT
gp-192	149	16	2022	2022	NUM
gp-192	149	17	)	)	PUNCT
gp-192	149	18	.	.	PUNCT
gp-192	150	1	the	the	DET
gp-192	150	2	digital	digital	ADJ
gp-192	150	3	transformation	transformation	NOUN
gp-192	150	4	of	of	ADP
gp-192	150	5	microfinance	microfinance	NOUN
gp-192	150	6	institutions	institution	NOUN
gp-192	150	7	:	:	PUNCT
gp-192	150	8	an	an	DET
gp-192	150	9	empirical	empirical	ADJ
gp-192	150	10	analysis	analysis	NOUN
gp-192	150	11	.	.	PUNCT
gp-192	151	1	journal	journal	NOUN
gp-192	151	2	of	of	ADP
gp-192	151	3	applied	apply	VERB
gp-192	151	4	accounting	accounting	NOUN
gp-192	151	5	research	research	NOUN
gp-192	151	6	,	,	PUNCT
gp-192	151	7	23(2	23(2	NOUN
gp-192	151	8	)	)	PUNCT
gp-192	151	9	,	,	PUNCT
gp-192	151	10	454–479	454–479	NUM
gp-192	151	11	.	.	PUNCT
gp-192	152	1	https://doi.org/10.1108/jaar-02-2021-0041	https://doi.org/10.1108/jaar-02-2021-0041	PROPN
gp-192	152	2	foroughi	foroughi	PROPN
gp-192	152	3	,	,	PUNCT
gp-192	152	4	a.	a.	NOUN
gp-192	152	5	(	(	PUNCT
gp-192	152	6	2021	2021	NUM
gp-192	152	7	)	)	PUNCT
gp-192	152	8	.	.	PUNCT
gp-192	153	1	supply	supply	NOUN
gp-192	153	2	chain	chain	NOUN
gp-192	153	3	workforce	workforce	NOUN
gp-192	153	4	training	training	NOUN
gp-192	153	5	:	:	PUNCT
gp-192	153	6	addressing	address	VERB
gp-192	153	7	the	the	DET
gp-192	153	8	digital	digital	ADJ
gp-192	153	9	skills	skill	NOUN
gp-192	153	10	gap	gap	NOUN
gp-192	153	11	.	.	PUNCT
gp-192	154	1	higher	high	ADJ
gp-192	154	2	education	education	NOUN
gp-192	154	3	,	,	PUNCT
gp-192	154	4	skills	skill	NOUN
gp-192	154	5	and	and	CCONJ
gp-192	154	6	work	work	NOUN
gp-192	154	7	-	-	PUNCT
gp-192	154	8	based	base	VERB
gp-192	154	9	learning	learning	NOUN
gp-192	154	10	,	,	PUNCT
gp-192	154	11	11(3	11(3	NUM
gp-192	154	12	)	)	PUNCT
gp-192	154	13	,	,	PUNCT
gp-192	154	14	683–696	683–696	NUM
gp-192	154	15	.	.	PUNCT
gp-192	155	1	gupta	gupta	PROPN
gp-192	155	2	,	,	PUNCT
gp-192	155	3	s.	s.	PROPN
gp-192	155	4	d.	d.	PROPN
gp-192	155	5	,	,	PUNCT
gp-192	155	6	raychaudhuri	raychaudhuri	PROPN
gp-192	155	7	,	,	PUNCT
gp-192	155	8	a.	a.	NOUN
gp-192	155	9	,	,	PUNCT
gp-192	155	10	&	&	CCONJ
gp-192	155	11	haldar	haldar	PROPN
gp-192	155	12	,	,	PUNCT
gp-192	155	13	s.	s.	PROPN
gp-192	155	14	k.	k.	PROPN
gp-192	155	15	(	(	PUNCT
gp-192	155	16	2018	2018	NUM
gp-192	155	17	)	)	PUNCT
gp-192	155	18	.	.	PUNCT
gp-192	156	1	information	information	NOUN
gp-192	156	2	technology	technology	NOUN
gp-192	156	3	and	and	CCONJ
gp-192	156	4	profitability	profitability	NOUN
gp-192	156	5	:	:	PUNCT
gp-192	156	6	evidence	evidence	NOUN
gp-192	156	7	from	from	ADP
gp-192	156	8	indian	indian	ADJ
gp-192	156	9	banking	banking	NOUN
gp-192	156	10	sector	sector	NOUN
gp-192	156	11	.	.	PUNCT
gp-192	157	1	international	international	ADJ
gp-192	157	2	journal	journal	NOUN
gp-192	157	3	of	of	ADP
gp-192	157	4	emerging	emerge	VERB
gp-192	157	5	markets	market	NOUN
gp-192	157	6	,	,	PUNCT
gp-192	157	7	13(5	13(5	NUM
gp-192	157	8	)	)	PUNCT
gp-192	157	9	,	,	PUNCT
gp-192	157	10	1070–1087	1070–1087	NUM
gp-192	157	11	.	.	PUNCT
gp-192	158	1	https://doi.org/10.1108/ijoem-06-2017-0211	https://doi.org/10.1108/ijoem-06-2017-0211	X
gp-192	158	2	jameaba	jameaba	PROPN
gp-192	158	3	,	,	PUNCT
gp-192	158	4	m.-s	m.-s	PROPN
gp-192	158	5	.	.	PUNCT
gp-192	158	6	(	(	PUNCT
gp-192	158	7	2022	2022	NUM
gp-192	158	8	)	)	PUNCT
gp-192	158	9	.	.	PUNCT
gp-192	159	1	digitalization	digitalization	NOUN
gp-192	159	2	,	,	PUNCT
gp-192	159	3	emerging	emerge	VERB
gp-192	159	4	technologies	technology	NOUN
gp-192	159	5	,	,	PUNCT
gp-192	159	6	and	and	CCONJ
gp-192	159	7	financial	financial	ADJ
gp-192	159	8	stability	stability	NOUN
gp-192	159	9	:	:	PUNCT
gp-192	159	10	challenges	challenge	NOUN
gp-192	159	11	and	and	CCONJ
gp-192	159	12	opportunities	opportunity	NOUN
gp-192	159	13	for	for	ADP
gp-192	159	14	the	the	DET
gp-192	159	15	indonesian	indonesian	ADJ
gp-192	159	16	banking	banking	NOUN
gp-192	159	17	industry	industry	NOUN
gp-192	159	18	and	and	CCONJ
gp-192	159	19	beyond	beyond	ADP
gp-192	159	20	.	.	PUNCT
gp-192	160	1	doi	doi	NOUN
gp-192	160	2	:	:	PUNCT
gp-192	161	1	https://doi	https://doi	PROPN
gp-192	161	2	.	.	PUNCT
gp-192	162	1	org/10.32388	org/10.32388	PROPN
gp-192	162	2	/	/	SYM
gp-192	162	3	csttyq	csttyq	ADJ
gp-192	162	4	,	,	PUNCT
gp-192	162	5	2	2	NUM
gp-192	162	6	.	.	PUNCT
gp-192	162	7	kane	kane	PROPN
gp-192	162	8	,	,	PUNCT
gp-192	162	9	g.	g.	PROPN
gp-192	162	10	c.	c.	PROPN
gp-192	162	11	,	,	PUNCT
gp-192	162	12	palmer	palmer	PROPN
gp-192	162	13	,	,	PUNCT
gp-192	162	14	d.	d.	PROPN
gp-192	162	15	,	,	PUNCT
gp-192	162	16	phillips	phillips	PROPN
gp-192	162	17	,	,	PUNCT
gp-192	162	18	a.	a.	PROPN
gp-192	162	19	n.	n.	PROPN
gp-192	162	20	,	,	PUNCT
gp-192	162	21	kiron	kiron	PROPN
gp-192	162	22	,	,	PUNCT
gp-192	162	23	d.	d.	PROPN
gp-192	162	24	,	,	PUNCT
gp-192	162	25	&	&	CCONJ
gp-192	162	26	buckley	buckley	PROPN
gp-192	162	27	,	,	PUNCT
gp-192	162	28	n.	n.	NOUN
gp-192	162	29	(	(	PUNCT
gp-192	162	30	2015	2015	NUM
gp-192	162	31	)	)	PUNCT
gp-192	162	32	.	.	PUNCT
gp-192	163	1	strategy	strategy	NOUN
gp-192	163	2	,	,	PUNCT
gp-192	163	3	not	not	PART
gp-192	163	4	technology	technology	NOUN
gp-192	163	5	,	,	PUNCT
gp-192	163	6	drives	drive	VERB
gp-192	163	7	digital	digital	ADJ
gp-192	163	8	transformation	transformation	NOUN
gp-192	163	9	.	.	PUNCT
gp-192	164	1	mit	mit	PROPN
gp-192	164	2	sloan	sloan	PROPN
gp-192	164	3	management	management	PROPN
gp-192	164	4	review	review	PROPN
gp-192	164	5	.	.	PUNCT
gp-192	165	1	lee	lee	PROPN
gp-192	165	2	,	,	PUNCT
gp-192	165	3	s.	s.	PROPN
gp-192	165	4	m.	m.	PROPN
gp-192	165	5	,	,	PUNCT
gp-192	165	6	&	&	CCONJ
gp-192	165	7	lee	lee	PROPN
gp-192	165	8	,	,	PUNCT
gp-192	165	9	d.	d.	PROPN
gp-192	165	10	(	(	PUNCT
gp-192	165	11	2020	2020	NUM
gp-192	165	12	)	)	PUNCT
gp-192	165	13	.	.	PUNCT
gp-192	166	1	“	"	PUNCT
gp-192	166	2	untact	untact	ADJ
gp-192	166	3	”	"	PUNCT
gp-192	166	4	:	:	PUNCT
gp-192	166	5	a	a	DET
gp-192	166	6	new	new	ADJ
gp-192	166	7	customer	customer	NOUN
gp-192	166	8	service	service	NOUN
gp-192	166	9	strategy	strategy	NOUN
gp-192	166	10	in	in	ADP
gp-192	166	11	the	the	DET
gp-192	166	12	digital	digital	ADJ
gp-192	166	13	age	age	NOUN
gp-192	166	14	.	.	PUNCT
gp-192	167	1	service	service	NOUN
gp-192	167	2	business	business	NOUN
gp-192	167	3	,	,	PUNCT
gp-192	167	4	14(1	14(1	NUM
gp-192	167	5	)	)	PUNCT
gp-192	167	6	,	,	PUNCT
gp-192	167	7	1–22	1–22	PROPN
gp-192	167	8	.	.	PUNCT
gp-192	168	1	manny	manny	PROPN
gp-192	168	2	,	,	PUNCT
gp-192	168	3	l.	l.	PROPN
gp-192	168	4	,	,	PUNCT
gp-192	168	5	duygan	duygan	NOUN
gp-192	168	6	,	,	PUNCT
gp-192	168	7	m.	m.	NOUN
gp-192	168	8	,	,	PUNCT
gp-192	168	9	fischer	fischer	PROPN
gp-192	168	10	,	,	PUNCT
gp-192	168	11	m.	m.	NOUN
gp-192	168	12	,	,	PUNCT
gp-192	168	13	&	&	CCONJ
gp-192	168	14	rieckermann	rieckermann	PROPN
gp-192	168	15	,	,	PUNCT
gp-192	168	16	j.	j.	PROPN
gp-192	168	17	(	(	PUNCT
gp-192	168	18	2021	2021	NUM
gp-192	168	19	)	)	PUNCT
gp-192	168	20	.	.	PUNCT
gp-192	169	1	barriers	barrier	NOUN
gp-192	169	2	to	to	ADP
gp-192	169	3	the	the	DET
gp-192	169	4	digital	digital	ADJ
gp-192	169	5	transformation	transformation	NOUN
gp-192	169	6	of	of	ADP
gp-192	169	7	infrastructure	infrastructure	NOUN
gp-192	169	8	sectors	sector	NOUN
gp-192	169	9	.	.	PUNCT
gp-192	170	1	policy	policy	NOUN
gp-192	170	2	sciences	science	NOUN
gp-192	170	3	,	,	PUNCT
gp-192	170	4	54(4	54(4	NUM
gp-192	170	5	)	)	PUNCT
gp-192	170	6	,	,	PUNCT
gp-192	170	7	943–983	943–983	NUM
gp-192	170	8	.	.	PUNCT
gp-192	171	1	https://doi.org/10.1007/s11077-021-09438-y	https://doi.org/10.1007/s11077-021-09438-y	NOUN
gp-192	171	2	mergel	mergel	NOUN
gp-192	171	3	,	,	PUNCT
gp-192	171	4	i.	i.	PROPN
gp-192	171	5	,	,	PUNCT
gp-192	171	6	edelmann	edelmann	PROPN
gp-192	171	7	,	,	PUNCT
gp-192	171	8	n.	n.	NOUN
gp-192	171	9	,	,	PUNCT
gp-192	171	10	&	&	CCONJ
gp-192	171	11	haug	haug	PROPN
gp-192	171	12	,	,	PUNCT
gp-192	171	13	n.	n.	NOUN
gp-192	171	14	(	(	PUNCT
gp-192	171	15	2019	2019	NUM
gp-192	171	16	)	)	PUNCT
gp-192	171	17	.	.	PUNCT
gp-192	172	1	defining	define	VERB
gp-192	172	2	digital	digital	ADJ
gp-192	172	3	transformation	transformation	NOUN
gp-192	172	4	:	:	PUNCT
gp-192	172	5	results	result	NOUN
gp-192	172	6	from	from	ADP
gp-192	172	7	expert	expert	ADJ
gp-192	172	8	interviews	interview	NOUN
gp-192	172	9	.	.	PUNCT
gp-192	173	1	government	government	NOUN
gp-192	173	2	information	information	NOUN
gp-192	173	3	quarterly	quarterly	ADV
gp-192	173	4	,	,	PUNCT
gp-192	173	5	36(4	36(4	NUM
gp-192	173	6	)	)	PUNCT
gp-192	173	7	,	,	PUNCT
gp-192	173	8	101385	101385	NUM
gp-192	173	9	.	.	PUNCT
gp-192	174	1	https://doi.org/10.1016/j.giq.2019.06.002	https://doi.org/10.1016/j.giq.2019.06.002	PROPN
gp-192	174	2	rogers	rogers	PROPN
gp-192	174	3	,	,	PUNCT
gp-192	174	4	d.	d.	PROPN
gp-192	174	5	l.	l.	PROPN
gp-192	174	6	(	(	PUNCT
gp-192	174	7	2016	2016	NUM
gp-192	174	8	)	)	PUNCT
gp-192	174	9	.	.	PUNCT
gp-192	175	1	the	the	DET
gp-192	175	2	digital	digital	ADJ
gp-192	175	3	transformation	transformation	NOUN
gp-192	175	4	playbook	playbook	NOUN
gp-192	175	5	:	:	PUNCT
gp-192	175	6	rethink	rethink	VERB
gp-192	175	7	your	your	PRON
gp-192	175	8	business	business	NOUN
gp-192	175	9	for	for	ADP
gp-192	175	10	the	the	DET
gp-192	175	11	digital	digital	ADJ
gp-192	175	12	age	age	NOUN
gp-192	175	13	.	.	PUNCT
gp-192	176	1	columbia	columbia	PROPN
gp-192	176	2	university	university	PROPN
gp-192	176	3	press	press	NOUN
gp-192	176	4	.	.	PUNCT
gp-192	177	1	roy	roy	PROPN
gp-192	177	2	,	,	PUNCT
gp-192	177	3	n.	n.	PROPN
gp-192	177	4	c.	c.	PROPN
gp-192	177	5	,	,	PUNCT
gp-192	177	6	&	&	CCONJ
gp-192	177	7	thangaraj	thangaraj	PROPN
gp-192	177	8	,	,	PUNCT
gp-192	177	9	v.	v.	PROPN
gp-192	177	10	(	(	PUNCT
gp-192	177	11	2020	2020	NUM
gp-192	177	12	)	)	PUNCT
gp-192	177	13	.	.	PUNCT
gp-192	178	1	investment	investment	NOUN
gp-192	178	2	in	in	ADP
gp-192	178	3	technology	technology	NOUN
gp-192	178	4	:	:	PUNCT
gp-192	178	5	does	do	AUX
gp-192	178	6	it	it	PRON
gp-192	178	7	proliferate	proliferate	VERB
gp-192	178	8	the	the	DET
gp-192	178	9	profitability	profitability	NOUN
gp-192	178	10	and	and	CCONJ
gp-192	178	11	performance	performance	NOUN
gp-192	178	12	of	of	ADP
gp-192	178	13	the	the	DET
gp-192	178	14	indian	indian	ADJ
gp-192	178	15	banks	bank	NOUN
gp-192	178	16	?	?	PUNCT
gp-192	179	1	(	(	PUNCT
gp-192	179	2	pp	pp	ADJ
gp-192	179	3	.	.	PUNCT
gp-192	180	1	19–44	19–44	NUM
gp-192	180	2	)	)	PUNCT
gp-192	180	3	.	.	PUNCT
gp-192	181	1	https://doi.org/10.1108/s0196382120200000036002	https://doi.org/10.1108/s0196382120200000036002	NOUN
gp-192	181	2	akhmat	akhmat	NOUN
gp-192	181	3	mustofa	mustofa	NOUN
gp-192	181	4	,	,	PUNCT
gp-192	181	5	edy	edy	PROPN
gp-192	181	6	raharja	raharja	PROPN
gp-192	181	7	237	237	NUM
gp-192	181	8	tian	tian	ADJ
gp-192	181	9	,	,	PUNCT
gp-192	181	10	m.	m.	NOUN
gp-192	181	11	,	,	PUNCT
gp-192	181	12	chen	chen	PROPN
gp-192	181	13	,	,	PUNCT
gp-192	181	14	y.	y.	PROPN
gp-192	181	15	,	,	PUNCT
gp-192	181	16	tian	tian	PROPN
gp-192	181	17	,	,	PUNCT
gp-192	181	18	g.	g.	PROPN
gp-192	181	19	,	,	PUNCT
gp-192	181	20	huang	huang	PROPN
gp-192	181	21	,	,	PUNCT
gp-192	181	22	w.	w.	PROPN
gp-192	181	23	,	,	PUNCT
gp-192	181	24	&	&	CCONJ
gp-192	181	25	hu	hu	PROPN
gp-192	181	26	,	,	PUNCT
gp-192	181	27	c.	c.	PROPN
gp-192	181	28	(	(	PUNCT
gp-192	181	29	2023	2023	NUM
gp-192	181	30	)	)	PUNCT
gp-192	181	31	.	.	PUNCT
gp-192	182	1	the	the	DET
gp-192	182	2	role	role	NOUN
gp-192	182	3	of	of	ADP
gp-192	182	4	digital	digital	ADJ
gp-192	182	5	transformation	transformation	NOUN
gp-192	182	6	practices	practice	NOUN
gp-192	182	7	in	in	ADP
gp-192	182	8	the	the	DET
gp-192	182	9	operations	operation	NOUN
gp-192	182	10	improvement	improvement	NOUN
gp-192	182	11	in	in	ADP
gp-192	182	12	manufacturing	manufacturing	NOUN
gp-192	182	13	firms	firm	NOUN
gp-192	182	14	:	:	PUNCT
gp-192	182	15	a	a	DET
gp-192	182	16	practice	practice	NOUN
gp-192	182	17	-	-	PUNCT
gp-192	182	18	based	base	VERB
gp-192	182	19	view	view	NOUN
gp-192	182	20	.	.	PUNCT
gp-192	183	1	international	international	ADJ
gp-192	183	2	journal	journal	PROPN
gp-192	183	3	of	of	ADP
gp-192	183	4	production	production	NOUN
gp-192	183	5	economics	economic	NOUN
gp-192	183	6	,	,	PUNCT
gp-192	183	7	262	262	NUM
gp-192	183	8	,	,	PUNCT
gp-192	183	9	108929	108929	NUM
gp-192	183	10	.	.	PUNCT
gp-192	184	1	https://doi.org/10.1016/j.ijpe.2023.108929	https://doi.org/10.1016/j.ijpe.2023.108929	NOUN
gp-192	184	2	vey	vey	VERB
gp-192	184	3	,	,	PUNCT
gp-192	184	4	k.	k.	PROPN
gp-192	184	5	,	,	PUNCT
gp-192	184	6	fandel	fandel	PROPN
gp-192	184	7	-	-	PUNCT
gp-192	184	8	meyer	meyer	PROPN
gp-192	184	9	,	,	PUNCT
gp-192	184	10	t.	t.	PROPN
gp-192	184	11	,	,	PUNCT
gp-192	184	12	zipp	zipp	PROPN
gp-192	184	13	,	,	PUNCT
gp-192	184	14	j.	j.	PROPN
gp-192	184	15	s.	s.	PROPN
gp-192	184	16	,	,	PUNCT
gp-192	184	17	&	&	CCONJ
gp-192	184	18	schneider	schneider	PROPN
gp-192	184	19	,	,	PUNCT
gp-192	184	20	c.	c.	PROPN
gp-192	184	21	(	(	PUNCT
gp-192	184	22	2017	2017	NUM
gp-192	184	23	)	)	PUNCT
gp-192	184	24	.	.	PUNCT
gp-192	185	1	learning	learning	NOUN
gp-192	185	2	&	&	CCONJ
gp-192	185	3	amp	amp	PROPN
gp-192	185	4	;	;	PUNCT
gp-192	185	5	development	development	NOUN
gp-192	185	6	in	in	ADP
gp-192	185	7	times	time	NOUN
gp-192	185	8	of	of	ADP
gp-192	185	9	digital	digital	ADJ
gp-192	185	10	transformation	transformation	NOUN
gp-192	185	11	:	:	PUNCT
gp-192	185	12	facilitating	facilitate	VERB
gp-192	185	13	a	a	DET
gp-192	185	14	culture	culture	NOUN
gp-192	185	15	of	of	ADP
gp-192	185	16	change	change	NOUN
gp-192	185	17	and	and	CCONJ
gp-192	185	18	innovation	innovation	NOUN
gp-192	185	19	.	.	PUNCT
gp-192	186	1	international	international	ADJ
gp-192	186	2	journal	journal	NOUN
gp-192	186	3	of	of	ADP
gp-192	186	4	advanced	advanced	ADJ
gp-192	186	5	corporate	corporate	ADJ
gp-192	186	6	learning	learning	NOUN
gp-192	186	7	(	(	PUNCT
gp-192	186	8	ijac	ijac	NOUN
gp-192	186	9	)	)	PUNCT
gp-192	186	10	,	,	PUNCT
gp-192	186	11	10(1	10(1	NUM
gp-192	186	12	)	)	PUNCT
gp-192	186	13	,	,	PUNCT
gp-192	186	14	22	22	NUM
gp-192	186	15	.	.	X
gp-192	187	1	https://doi.org/10.3991/ijac.v10i1.6334	https://doi.org/10.3991/ijac.v10i1.6334	ADP
gp-192	187	2	werth	werth	PROPN
gp-192	187	3	,	,	PUNCT
gp-192	187	4	o.	o.	PROPN
gp-192	187	5	,	,	PUNCT
gp-192	187	6	schwarzbach	schwarzbach	NOUN
gp-192	187	7	,	,	PUNCT
gp-192	187	8	c.	c.	PROPN
gp-192	187	9	,	,	PUNCT
gp-192	187	10	rodríguez	rodríguez	PROPN
gp-192	187	11	cardona	cardona	PROPN
gp-192	187	12	,	,	PUNCT
gp-192	187	13	d.	d.	PROPN
gp-192	187	14	,	,	PUNCT
gp-192	187	15	breitner	breitner	NOUN
gp-192	187	16	,	,	PUNCT
gp-192	187	17	m.	m.	NOUN
gp-192	187	18	h.	h.	PROPN
gp-192	187	19	,	,	PUNCT
gp-192	187	20	&	&	CCONJ
gp-192	187	21	graf	graf	PROPN
gp-192	187	22	von	von	PROPN
gp-192	187	23	der	der	PROPN
gp-192	187	24	schulenburg	schulenburg	PROPN
gp-192	187	25	,	,	PUNCT
gp-192	187	26	j.-m	j.-m	NOUN
gp-192	187	27	.	.	PUNCT
gp-192	188	1	(	(	PUNCT
gp-192	188	2	2020	2020	NUM
gp-192	188	3	)	)	PUNCT
gp-192	188	4	.	.	PUNCT
gp-192	189	1	influencing	influence	VERB
gp-192	189	2	factors	factor	NOUN
gp-192	189	3	for	for	ADP
gp-192	189	4	the	the	DET
gp-192	189	5	digital	digital	ADJ
gp-192	189	6	transformation	transformation	NOUN
gp-192	189	7	in	in	ADP
gp-192	189	8	the	the	DET
gp-192	189	9	financial	financial	ADJ
gp-192	189	10	services	service	NOUN
gp-192	189	11	sector	sector	NOUN
gp-192	189	12	.	.	PUNCT
gp-192	190	1	zeitschrift	zeitschrift	PROPN
gp-192	190	2	für	für	PROPN
gp-192	190	3	die	die	VERB
gp-192	190	4	gesamte	gesamte	PROPN
gp-192	190	5	versicherungswissenschaft	versicherungswissenschaft	PROPN
gp-192	190	6	,	,	PUNCT
gp-192	190	7	109(2–4	109(2–4	NUM
gp-192	190	8	)	)	PUNCT
gp-192	190	9	,	,	PUNCT
gp-192	190	10	155–179	155–179	NUM
gp-192	190	11	.	.	PUNCT
gp-192	191	1	https://doi.org/10.1007/s12297-020-00486-6	https://doi.org/10.1007/s12297-020-00486-6	PROPN
gp-192	191	2	copyright	copyright	NOUN
gp-192	191	3	holders	holder	NOUN
gp-192	191	4	:	:	PUNCT
gp-192	191	5	akhmat	akhmat	NOUN
gp-192	191	6	mustofa	mustofa	PROPN
gp-192	191	7	,	,	PUNCT
gp-192	191	8	edy	edy	PROPN
gp-192	191	9	raharja	raharja	PROPN
gp-192	191	10	(	(	PUNCT
gp-192	191	11	2025	2025	NUM
gp-192	191	12	)	)	PUNCT
gp-192	191	13	first	first	ADJ
gp-192	191	14	publication	publication	NOUN
gp-192	191	15	right	right	NOUN
gp-192	191	16	:	:	PUNCT
gp-192	191	17	ajemb	ajemb	PROPN
gp-192	191	18	–	–	PUNCT
gp-192	191	19	american	american	ADJ
gp-192	191	20	journal	journal	PROPN
gp-192	191	21	of	of	ADP
gp-192	191	22	economic	economic	ADJ
gp-192	191	23	and	and	CCONJ
gp-192	191	24	management	management	NOUN
gp-192	191	25	business	business	NOUN