id	sid	tid	token	lemma	pos
gp-336	1	1	1652	1652	NUM
gp-336	1	2	american	american	PROPN
gp-336	1	3	journal	journal	PROPN
gp-336	1	4	of	of	ADP
gp-336	1	5	economic	economic	ADJ
gp-336	1	6	and	and	CCONJ
gp-336	1	7	management	management	NOUN
gp-336	1	8	business	business	NOUN
gp-336	1	9	e	e	NOUN
gp-336	1	10	-	-	NOUN
gp-336	1	11	issn	issn	ADJ
gp-336	1	12	:	:	PUNCT
gp-336	1	13	2835	2835	NUM
gp-336	1	14	-	-	SYM
gp-336	1	15	5199	5199	NUM
gp-336	1	16	vol	vol	NOUN
gp-336	1	17	.	.	PROPN
gp-336	1	18	4	4	NUM
gp-336	1	19	no	no	NOUN
gp-336	1	20	.	.	PUNCT
gp-336	2	1	10	10	NUM
gp-336	2	2	october	october	PROPN
gp-336	2	3	2025	2025	NUM
gp-336	2	4	digitalisation	digitalisation	NOUN
gp-336	2	5	in	in	ADP
gp-336	2	6	financial	financial	ADJ
gp-336	2	7	planning	planning	NOUN
gp-336	2	8	:	:	PUNCT
gp-336	2	9	tools	tool	NOUN
gp-336	2	10	and	and	CCONJ
gp-336	2	11	trends	trend	NOUN
gp-336	2	12	for	for	ADP
gp-336	2	13	modern	modern	ADJ
gp-336	2	14	financial	financial	ADJ
gp-336	2	15	managers	manager	NOUN
gp-336	2	16	tatyana	tatyana	PROPN
gp-336	2	17	tabisheva	tabisheva	PROPN
gp-336	2	18	miami	miami	PROPN
gp-336	2	19	,	,	PUNCT
gp-336	2	20	united	united	PROPN
gp-336	2	21	states	states	PROPN
gp-336	2	22	email	email	NOUN
gp-336	2	23	:	:	PUNCT
gp-336	2	24	opeyemijuliu18@gmail.com	opeyemijuliu18@gmail.com	X
gp-336	2	25	abstract	abstract	ADJ
gp-336	2	26	digitalisation	digitalisation	NOUN
gp-336	2	27	has	have	AUX
gp-336	2	28	fundamentally	fundamentally	ADV
gp-336	2	29	transformed	transform	VERB
gp-336	2	30	financial	financial	ADJ
gp-336	2	31	planning	planning	NOUN
gp-336	2	32	,	,	PUNCT
gp-336	2	33	yet	yet	CCONJ
gp-336	2	34	a	a	DET
gp-336	2	35	comprehensive	comprehensive	ADJ
gp-336	2	36	understanding	understanding	NOUN
gp-336	2	37	of	of	ADP
gp-336	2	38	how	how	SCONJ
gp-336	2	39	integrated	integrated	ADJ
gp-336	2	40	digital	digital	ADJ
gp-336	2	41	tools	tool	NOUN
gp-336	2	42	impact	impact	NOUN
gp-336	2	43	forecasting	forecasting	NOUN
gp-336	2	44	accuracy	accuracy	NOUN
gp-336	2	45	and	and	CCONJ
gp-336	2	46	strategic	strategic	ADJ
gp-336	2	47	decision	decision	NOUN
gp-336	2	48	-	-	PUNCT
gp-336	2	49	making	making	NOUN
gp-336	2	50	in	in	ADP
gp-336	2	51	volatile	volatile	ADJ
gp-336	2	52	markets	market	NOUN
gp-336	2	53	remains	remain	VERB
gp-336	2	54	limited	limited	ADJ
gp-336	2	55	.	.	PUNCT
gp-336	3	1	this	this	DET
gp-336	3	2	research	research	NOUN
gp-336	3	3	systematically	systematically	ADV
gp-336	3	4	examines	examine	VERB
gp-336	3	5	the	the	DET
gp-336	3	6	role	role	NOUN
gp-336	3	7	of	of	ADP
gp-336	3	8	cloud	cloud	NOUN
gp-336	3	9	computing	computing	NOUN
gp-336	3	10	,	,	PUNCT
gp-336	3	11	erp	erp	PROPN
gp-336	3	12	systems	systems	PROPN
gp-336	3	13	,	,	PUNCT
gp-336	3	14	rpa	rpa	PROPN
gp-336	3	15	,	,	PUNCT
gp-336	3	16	and	and	CCONJ
gp-336	3	17	ai	ai	VERB
gp-336	3	18	in	in	ADP
gp-336	3	19	enhancing	enhance	VERB
gp-336	3	20	financial	financial	ADJ
gp-336	3	21	planning	planning	NOUN
gp-336	3	22	&	&	CCONJ
gp-336	3	23	analysis	analysis	NOUN
gp-336	3	24	(	(	PUNCT
gp-336	3	25	fp&a	fp&a	PROPN
gp-336	3	26	)	)	PUNCT
gp-336	3	27	effectiveness	effectiveness	NOUN
gp-336	3	28	while	while	SCONJ
gp-336	3	29	identifying	identify	VERB
gp-336	3	30	key	key	ADJ
gp-336	3	31	trends	trend	NOUN
gp-336	3	32	and	and	CCONJ
gp-336	3	33	implementation	implementation	NOUN
gp-336	3	34	challenges	challenge	NOUN
gp-336	3	35	.	.	PUNCT
gp-336	4	1	using	use	VERB
gp-336	4	2	a	a	DET
gp-336	4	3	systematic	systematic	ADJ
gp-336	4	4	literature	literature	NOUN
gp-336	4	5	review	review	NOUN
gp-336	4	6	methodology	methodology	NOUN
gp-336	4	7	,	,	PUNCT
gp-336	4	8	this	this	DET
gp-336	4	9	study	study	NOUN
gp-336	4	10	analyzes	analyze	VERB
gp-336	4	11	20	20	NUM
gp-336	4	12	sources	source	NOUN
gp-336	4	13	published	publish	VERB
gp-336	4	14	between	between	ADP
gp-336	4	15	2020–2025	2020–2025	NUM
gp-336	4	16	,	,	PUNCT
gp-336	4	17	employing	employ	VERB
gp-336	4	18	thematic	thematic	ADJ
gp-336	4	19	analysis	analysis	NOUN
gp-336	4	20	across	across	ADP
gp-336	4	21	three	three	NUM
gp-336	4	22	dimensions	dimension	NOUN
gp-336	4	23	:	:	PUNCT
gp-336	4	24	digital	digital	ADJ
gp-336	4	25	tool	tool	NOUN
gp-336	4	26	capabilities	capability	NOUN
gp-336	4	27	,	,	PUNCT
gp-336	4	28	emerging	emerge	VERB
gp-336	4	29	trends	trend	NOUN
gp-336	4	30	,	,	PUNCT
gp-336	4	31	and	and	CCONJ
gp-336	4	32	implementation	implementation	NOUN
gp-336	4	33	barriers	barrier	NOUN
gp-336	4	34	.	.	PUNCT
gp-336	5	1	results	result	NOUN
gp-336	5	2	demonstrate	demonstrate	VERB
gp-336	5	3	that	that	SCONJ
gp-336	5	4	digital	digital	ADJ
gp-336	5	5	tools	tool	NOUN
gp-336	5	6	significantly	significantly	ADV
gp-336	5	7	improve	improve	VERB
gp-336	5	8	operational	operational	ADJ
gp-336	5	9	efficiency	efficiency	NOUN
gp-336	5	10	(	(	PUNCT
gp-336	5	11	25–35	25–35	NUM
gp-336	5	12	%	%	NOUN
gp-336	5	13	through	through	ADP
gp-336	5	14	automation	automation	NOUN
gp-336	5	15	)	)	PUNCT
gp-336	5	16	,	,	PUNCT
gp-336	5	17	enhance	enhance	VERB
gp-336	5	18	forecasting	forecasting	NOUN
gp-336	5	19	accuracy	accuracy	NOUN
gp-336	5	20	(	(	PUNCT
gp-336	5	21	27–38	27–38	NUM
gp-336	5	22	%	%	NOUN
gp-336	5	23	)	)	PUNCT
gp-336	5	24	,	,	PUNCT
gp-336	5	25	and	and	CCONJ
gp-336	5	26	enable	enable	VERB
gp-336	5	27	proactive	proactive	ADJ
gp-336	5	28	risk	risk	NOUN
gp-336	5	29	management	management	NOUN
gp-336	5	30	with	with	ADP
gp-336	5	31	6–8	6–8	PROPN
gp-336	5	32	week	week	NOUN
gp-336	5	33	advance	advance	NOUN
gp-336	5	34	warning	warning	NOUN
gp-336	5	35	capabilities	capability	NOUN
gp-336	5	36	.	.	PUNCT
gp-336	6	1	five	five	NUM
gp-336	6	2	critical	critical	ADJ
gp-336	6	3	trends	trend	NOUN
gp-336	6	4	are	be	AUX
gp-336	6	5	reshaping	reshape	VERB
gp-336	6	6	fp&a	fp&a	PROPN
gp-336	6	7	:	:	PUNCT
gp-336	6	8	real	real	ADJ
gp-336	6	9	-	-	PUNCT
gp-336	6	10	time	time	NOUN
gp-336	6	11	reporting	reporting	NOUN
gp-336	6	12	(	(	PUNCT
gp-336	6	13	55	55	NUM
gp-336	6	14	%	%	NOUN
gp-336	6	15	faster	fast	ADJ
gp-336	6	16	decision	decision	NOUN
gp-336	6	17	-	-	PUNCT
gp-336	6	18	making	making	NOUN
gp-336	6	19	)	)	PUNCT
gp-336	6	20	,	,	PUNCT
gp-336	6	21	esg	esg	NOUN
gp-336	6	22	integration	integration	NOUN
gp-336	6	23	(	(	PUNCT
gp-336	6	24	23	23	NUM
gp-336	6	25	%	%	NOUN
gp-336	6	26	improved	improved	ADJ
gp-336	6	27	returns	return	NOUN
gp-336	6	28	)	)	PUNCT
gp-336	6	29	,	,	PUNCT
gp-336	6	30	financial	financial	ADJ
gp-336	6	31	inclusion	inclusion	NOUN
gp-336	6	32	(	(	PUNCT
gp-336	6	33	$	$	SYM
gp-336	6	34	180	180	NUM
gp-336	6	35	billion	billion	NUM
gp-336	6	36	market	market	NOUN
gp-336	6	37	opportunity	opportunity	NOUN
gp-336	6	38	)	)	PUNCT
gp-336	6	39	,	,	PUNCT
gp-336	6	40	enhanced	enhance	VERB
gp-336	6	41	cybersecurity	cybersecurity	NOUN
gp-336	6	42	(	(	PUNCT
gp-336	6	43	73	73	NUM
gp-336	6	44	%	%	NOUN
gp-336	6	45	breach	breach	NOUN
gp-336	6	46	reduction	reduction	NOUN
gp-336	6	47	)	)	PUNCT
gp-336	6	48	,	,	PUNCT
gp-336	6	49	and	and	CCONJ
gp-336	6	50	ai	ai	AUX
gp-336	6	51	-	-	PUNCT
gp-336	6	52	driven	drive	VERB
gp-336	6	53	personalization	personalization	NOUN
gp-336	6	54	(	(	PUNCT
gp-336	6	55	87	87	NUM
gp-336	6	56	%	%	NOUN
gp-336	6	57	client	client	NOUN
gp-336	6	58	retention	retention	NOUN
gp-336	6	59	)	)	PUNCT
gp-336	6	60	.	.	PUNCT
gp-336	7	1	however	however	ADV
gp-336	7	2	,	,	PUNCT
gp-336	7	3	implementation	implementation	NOUN
gp-336	7	4	challenges	challenge	NOUN
gp-336	7	5	persist	persist	VERB
gp-336	7	6	,	,	PUNCT
gp-336	7	7	including	include	VERB
gp-336	7	8	high	high	ADJ
gp-336	7	9	costs	cost	NOUN
gp-336	7	10	(	(	PUNCT
gp-336	7	11	$	$	SYM
gp-336	7	12	0.5m–$5	0.5m–$5	NOUN
gp-336	7	13	m	m	NOUN
gp-336	7	14	)	)	PUNCT
gp-336	7	15	,	,	PUNCT
gp-336	7	16	employee	employee	NOUN
gp-336	7	17	resistance	resistance	NOUN
gp-336	7	18	(	(	PUNCT
gp-336	7	19	58	58	NUM
gp-336	7	20	%	%	NOUN
gp-336	7	21	of	of	ADP
gp-336	7	22	initiatives	initiative	NOUN
gp-336	7	23	)	)	PUNCT
gp-336	7	24	,	,	PUNCT
gp-336	7	25	data	datum	NOUN
gp-336	7	26	privacy	privacy	NOUN
gp-336	7	27	risks	risk	NOUN
gp-336	7	28	(	(	PUNCT
gp-336	7	29	$	$	SYM
gp-336	7	30	3.86	3.86	NUM
gp-336	7	31	m	m	NOUN
gp-336	7	32	average	average	ADJ
gp-336	7	33	breach	breach	NOUN
gp-336	7	34	cost	cost	NOUN
gp-336	7	35	)	)	PUNCT
gp-336	7	36	,	,	PUNCT
gp-336	7	37	and	and	CCONJ
gp-336	7	38	over	over	ADP
gp-336	7	39	-	-	PUNCT
gp-336	7	40	reliance	reliance	NOUN
gp-336	7	41	on	on	ADP
gp-336	7	42	automation	automation	NOUN
gp-336	7	43	.	.	PUNCT
gp-336	8	1	strategic	strategic	ADJ
gp-336	8	2	mitigation	mitigation	NOUN
gp-336	8	3	requires	require	VERB
gp-336	8	4	phased	phase	VERB
gp-336	8	5	adoption	adoption	NOUN
gp-336	8	6	,	,	PUNCT
gp-336	8	7	comprehensive	comprehensive	ADJ
gp-336	8	8	change	change	NOUN
gp-336	8	9	management	management	NOUN
gp-336	8	10	,	,	PUNCT
gp-336	8	11	robust	robust	ADJ
gp-336	8	12	cybersecurity	cybersecurity	NOUN
gp-336	8	13	frameworks	framework	NOUN
gp-336	8	14	,	,	PUNCT
gp-336	8	15	and	and	CCONJ
gp-336	8	16	hybrid	hybrid	ADJ
gp-336	8	17	human	human	ADJ
gp-336	8	18	–	–	PUNCT
gp-336	8	19	ai	ai	VERB
gp-336	8	20	decision	decision	NOUN
gp-336	8	21	models	model	NOUN
gp-336	8	22	.	.	PUNCT
gp-336	9	1	this	this	DET
gp-336	9	2	research	research	NOUN
gp-336	9	3	contributes	contribute	VERB
gp-336	9	4	a	a	DET
gp-336	9	5	comprehensive	comprehensive	ADJ
gp-336	9	6	framework	framework	NOUN
gp-336	9	7	that	that	PRON
gp-336	9	8	integrates	integrate	VERB
gp-336	9	9	technological	technological	ADJ
gp-336	9	10	capabilities	capability	NOUN
gp-336	9	11	with	with	ADP
gp-336	9	12	practical	practical	ADJ
gp-336	9	13	implementation	implementation	NOUN
gp-336	9	14	strategies	strategy	NOUN
gp-336	9	15	,	,	PUNCT
gp-336	9	16	enabling	enable	VERB
gp-336	9	17	financial	financial	ADJ
gp-336	9	18	managers	manager	NOUN
gp-336	9	19	to	to	PART
gp-336	9	20	navigate	navigate	VERB
gp-336	9	21	digitalisation	digitalisation	NOUN
gp-336	9	22	effectively	effectively	ADV
gp-336	9	23	while	while	SCONJ
gp-336	9	24	achieving	achieve	VERB
gp-336	9	25	sustainable	sustainable	ADJ
gp-336	9	26	competitive	competitive	ADJ
gp-336	9	27	advantage	advantage	NOUN
gp-336	9	28	in	in	ADP
gp-336	9	29	increasingly	increasingly	ADV
gp-336	9	30	complex	complex	ADJ
gp-336	9	31	markets	market	NOUN
gp-336	9	32	.	.	PUNCT
gp-336	10	1	keywords	keyword	NOUN
gp-336	10	2	:	:	PUNCT
gp-336	10	3	digitalisation	digitalisation	NOUN
gp-336	10	4	,	,	PUNCT
gp-336	10	5	financial	financial	ADJ
gp-336	10	6	planning	planning	NOUN
gp-336	10	7	,	,	PUNCT
gp-336	10	8	financial	financial	ADJ
gp-336	10	9	management	management	NOUN
gp-336	10	10	,	,	PUNCT
gp-336	10	11	artificial	artificial	ADJ
gp-336	10	12	intelligence	intelligence	NOUN
gp-336	10	13	,	,	PUNCT
gp-336	10	14	automation	automation	NOUN
gp-336	10	15	.	.	PUNCT
gp-336	11	1	introduction	introduction	NOUN
gp-336	11	2	the	the	DET
gp-336	11	3	introduction	introduction	NOUN
gp-336	11	4	of	of	ADP
gp-336	11	5	digital	digital	ADJ
gp-336	11	6	technologies	technology	NOUN
gp-336	11	7	and	and	CCONJ
gp-336	11	8	their	their	PRON
gp-336	11	9	rapid	rapid	ADJ
gp-336	11	10	development	development	NOUN
gp-336	11	11	represent	represent	VERB
gp-336	11	12	the	the	DET
gp-336	11	13	most	most	ADV
gp-336	11	14	significant	significant	ADJ
gp-336	11	15	changes	change	NOUN
gp-336	11	16	in	in	ADP
gp-336	11	17	the	the	DET
gp-336	11	18	field	field	NOUN
gp-336	11	19	of	of	ADP
gp-336	11	20	financial	financial	ADJ
gp-336	11	21	planning	planning	NOUN
gp-336	11	22	,	,	PUNCT
gp-336	11	23	as	as	SCONJ
gp-336	11	24	they	they	PRON
gp-336	11	25	have	have	AUX
gp-336	11	26	ushered	usher	VERB
gp-336	11	27	in	in	ADP
gp-336	11	28	an	an	DET
gp-336	11	29	era	era	NOUN
gp-336	11	30	of	of	ADP
gp-336	11	31	higher	high	ADJ
gp-336	11	32	efficiency	efficiency	NOUN
gp-336	11	33	,	,	PUNCT
gp-336	11	34	accuracy	accuracy	NOUN
gp-336	11	35	,	,	PUNCT
gp-336	11	36	and	and	CCONJ
gp-336	11	37	future	future	ADV
gp-336	11	38	-	-	PUNCT
gp-336	11	39	oriented	orient	VERB
gp-336	11	40	approaches	approach	NOUN
gp-336	11	41	for	for	ADP
gp-336	11	42	financial	financial	ADJ
gp-336	11	43	managers	manager	NOUN
gp-336	11	44	(	(	PUNCT
gp-336	11	45	fernandes	fernandes	PROPN
gp-336	11	46	marques	marques	PROPN
gp-336	11	47	da	da	PROPN
gp-336	11	48	fonte	fonte	PROPN
gp-336	11	49	,	,	PUNCT
gp-336	11	50	2023	2023	NUM
gp-336	11	51	)	)	PUNCT
gp-336	11	52	.	.	PUNCT
gp-336	12	1	with	with	ADP
gp-336	12	2	technologies	technology	NOUN
gp-336	12	3	including	include	VERB
gp-336	12	4	cloud	cloud	NOUN
gp-336	12	5	computing	computing	NOUN
gp-336	12	6	,	,	PUNCT
gp-336	12	7	artificial	artificial	ADJ
gp-336	12	8	intelligence	intelligence	NOUN
gp-336	12	9	(	(	PUNCT
gp-336	12	10	ai	ai	NOUN
gp-336	12	11	)	)	PUNCT
gp-336	12	12	,	,	PUNCT
gp-336	12	13	robotic	robotic	ADJ
gp-336	12	14	process	process	NOUN
gp-336	12	15	automation	automation	NOUN
gp-336	12	16	(	(	PUNCT
gp-336	12	17	rpa	rpa	PROPN
gp-336	12	18	)	)	PUNCT
gp-336	12	19	,	,	PUNCT
gp-336	12	20	and	and	CCONJ
gp-336	12	21	enterprise	enterprise	NOUN
gp-336	12	22	resource	resource	NOUN
gp-336	12	23	planning	planning	NOUN
gp-336	12	24	(	(	PUNCT
gp-336	12	25	erp	erp	NOUN
gp-336	12	26	)	)	PUNCT
gp-336	12	27	systems	system	NOUN
gp-336	12	28	,	,	PUNCT
gp-336	12	29	digitalisation	digitalisation	NOUN
gp-336	12	30	has	have	AUX
gp-336	12	31	transformed	transform	VERB
gp-336	12	32	financial	financial	ADJ
gp-336	12	33	planning	planning	NOUN
gp-336	12	34	and	and	CCONJ
gp-336	12	35	analysis	analysis	NOUN
gp-336	12	36	(	(	PUNCT
gp-336	12	37	fp&a	fp&a	PROPN
gp-336	12	38	)	)	PUNCT
gp-336	12	39	from	from	ADP
gp-336	12	40	traditional	traditional	ADJ
gp-336	12	41	manual	manual	ADJ
gp-336	12	42	methods	method	NOUN
gp-336	12	43	into	into	ADP
gp-336	12	44	dynamic	dynamic	ADJ
gp-336	12	45	,	,	PUNCT
gp-336	12	46	data	data	NOUN
gp-336	12	47	-	-	PUNCT
gp-336	12	48	driven	drive	VERB
gp-336	12	49	structures	structure	NOUN
gp-336	12	50	(	(	PUNCT
gp-336	12	51	avira	avira	PROPN
gp-336	12	52	et	et	PROPN
gp-336	12	53	al	al	PROPN
gp-336	12	54	.	.	PROPN
gp-336	12	55	,	,	PUNCT
gp-336	12	56	2023	2023	NUM
gp-336	12	57	)	)	PUNCT
gp-336	12	58	.	.	PUNCT
gp-336	13	1	this	this	DET
gp-336	13	2	shift	shift	NOUN
gp-336	13	3	enables	enable	VERB
gp-336	13	4	financial	financial	ADJ
gp-336	13	5	managers	manager	NOUN
gp-336	13	6	to	to	PART
gp-336	13	7	overcome	overcome	VERB
gp-336	13	8	rigidity	rigidity	NOUN
gp-336	13	9	in	in	ADP
gp-336	13	10	complex	complex	ADJ
gp-336	13	11	and	and	CCONJ
gp-336	13	12	volatile	volatile	ADJ
gp-336	13	13	marketplaces	marketplace	NOUN
gp-336	13	14	by	by	ADP
gp-336	13	15	leveraging	leverage	VERB
gp-336	13	16	real	real	ADJ
gp-336	13	17	-	-	PUNCT
gp-336	13	18	time	time	NOUN
gp-336	13	19	data	datum	NOUN
gp-336	13	20	and	and	CCONJ
gp-336	13	21	digitalisation	digitalisation	NOUN
gp-336	13	22	in	in	ADP
gp-336	13	23	financial	financial	ADJ
gp-336	13	24	planning	planning	NOUN
gp-336	13	25	:	:	PUNCT
gp-336	13	26	tools	tool	NOUN
gp-336	13	27	and	and	CCONJ
gp-336	13	28	trends	trend	NOUN
gp-336	13	29	for	for	ADP
gp-336	13	30	modern	modern	ADJ
gp-336	13	31	financial	financial	ADJ
gp-336	13	32	managers	manager	NOUN
gp-336	13	33	1653	1653	NUM
gp-336	13	34	predictive	predictive	ADJ
gp-336	13	35	analytics	analytic	NOUN
gp-336	13	36	to	to	PART
gp-336	13	37	support	support	VERB
gp-336	13	38	higher	high	ADJ
gp-336	13	39	-	-	PUNCT
gp-336	13	40	quality	quality	NOUN
gp-336	13	41	decision	decision	NOUN
gp-336	13	42	-	-	PUNCT
gp-336	13	43	making	making	NOUN
gp-336	13	44	(	(	PUNCT
gp-336	13	45	deloitte	deloitte	PROPN
gp-336	13	46	,	,	PUNCT
gp-336	13	47	n.d	n.d	PROPN
gp-336	13	48	.	.	PROPN
gp-336	13	49	)	)	PUNCT
gp-336	13	50	.	.	PUNCT
gp-336	14	1	digitalisationdriven	digitalisationdriven	ADJ
gp-336	14	2	integration	integration	NOUN
gp-336	14	3	not	not	PART
gp-336	14	4	only	only	ADV
gp-336	14	5	simplifies	simplifie	NOUN
gp-336	14	6	operational	operational	ADJ
gp-336	14	7	work	work	NOUN
gp-336	14	8	but	but	CCONJ
gp-336	14	9	also	also	ADV
gp-336	14	10	introduces	introduce	VERB
gp-336	14	11	new	new	ADJ
gp-336	14	12	strategic	strategic	ADJ
gp-336	14	13	capabilities	capability	NOUN
gp-336	14	14	,	,	PUNCT
gp-336	14	15	fostering	foster	VERB
gp-336	14	16	more	more	ADV
gp-336	14	17	accurate	accurate	ADJ
gp-336	14	18	forecasting	forecasting	NOUN
gp-336	14	19	,	,	PUNCT
gp-336	14	20	improved	improve	VERB
gp-336	14	21	risk	risk	NOUN
gp-336	14	22	management	management	NOUN
gp-336	14	23	,	,	PUNCT
gp-336	14	24	and	and	CCONJ
gp-336	14	25	more	more	ADV
gp-336	14	26	efficient	efficient	ADJ
gp-336	14	27	resource	resource	NOUN
gp-336	14	28	allocation	allocation	NOUN
gp-336	14	29	(	(	PUNCT
gp-336	14	30	breuer	breuer	PROPN
gp-336	14	31	&	&	CCONJ
gp-336	14	32	knetsch	knetsch	PROPN
gp-336	14	33	,	,	PUNCT
gp-336	14	34	2023	2023	NUM
gp-336	14	35	)	)	PUNCT
gp-336	14	36	.	.	PUNCT
gp-336	15	1	moreover	moreover	ADV
gp-336	15	2	,	,	PUNCT
gp-336	15	3	research	research	NOUN
gp-336	15	4	demonstrates	demonstrate	VERB
gp-336	15	5	that	that	SCONJ
gp-336	15	6	digitalisation	digitalisation	NOUN
gp-336	15	7	can	can	AUX
gp-336	15	8	promote	promote	VERB
gp-336	15	9	financial	financial	ADJ
gp-336	15	10	inclusion	inclusion	NOUN
gp-336	15	11	by	by	ADP
gp-336	15	12	broadening	broaden	VERB
gp-336	15	13	access	access	NOUN
gp-336	15	14	to	to	ADP
gp-336	15	15	planning	planning	NOUN
gp-336	15	16	instruments	instrument	NOUN
gp-336	15	17	through	through	ADP
gp-336	15	18	fintech	fintech	NOUN
gp-336	15	19	advancements	advancement	NOUN
gp-336	15	20	,	,	PUNCT
gp-336	15	21	such	such	ADJ
gp-336	15	22	as	as	ADP
gp-336	15	23	mobile	mobile	ADJ
gp-336	15	24	banking	banking	NOUN
gp-336	15	25	and	and	CCONJ
gp-336	15	26	robo	robo	NOUN
gp-336	15	27	-	-	PUNCT
gp-336	15	28	advisory	advisory	ADJ
gp-336	15	29	services	service	NOUN
gp-336	15	30	powered	power	VERB
gp-336	15	31	by	by	ADP
gp-336	15	32	ai	ai	PROPN
gp-336	15	33	,	,	PUNCT
gp-336	15	34	which	which	PRON
gp-336	15	35	serve	serve	VERB
gp-336	15	36	the	the	DET
gp-336	15	37	diverse	diverse	ADJ
gp-336	15	38	needs	need	NOUN
gp-336	15	39	of	of	ADP
gp-336	15	40	both	both	DET
gp-336	15	41	individuals	individual	NOUN
gp-336	15	42	and	and	CCONJ
gp-336	15	43	enterprises	enterprise	NOUN
gp-336	15	44	(	(	PUNCT
gp-336	15	45	sharma	sharma	PROPN
gp-336	15	46	&	&	CCONJ
gp-336	15	47	dia	dia	PROPN
gp-336	15	48	andrade	andrade	PROPN
gp-336	15	49	,	,	PUNCT
gp-336	15	50	2023	2023	NUM
gp-336	15	51	;	;	PUNCT
gp-336	15	52	gulati	gulati	PROPN
gp-336	15	53	&	&	CCONJ
gp-336	15	54	singh	singh	PROPN
gp-336	15	55	,	,	PUNCT
gp-336	15	56	2024	2024	NUM
gp-336	15	57	)	)	PUNCT
gp-336	15	58	.	.	PUNCT
gp-336	16	1	nevertheless	nevertheless	ADV
gp-336	16	2	,	,	PUNCT
gp-336	16	3	this	this	DET
gp-336	16	4	transformation	transformation	NOUN
gp-336	16	5	also	also	ADV
gp-336	16	6	brings	bring	VERB
gp-336	16	7	challenges	challenge	NOUN
gp-336	16	8	,	,	PUNCT
gp-336	16	9	particularly	particularly	ADV
gp-336	16	10	regarding	regard	VERB
gp-336	16	11	cybersecurity	cybersecurity	NOUN
gp-336	16	12	risks	risk	NOUN
gp-336	16	13	and	and	CCONJ
gp-336	16	14	the	the	DET
gp-336	16	15	employee	employee	NOUN
gp-336	16	16	upskilling	upskilling	NOUN
gp-336	16	17	required	require	VERB
gp-336	16	18	to	to	PART
gp-336	16	19	maximize	maximize	VERB
gp-336	16	20	the	the	DET
gp-336	16	21	benefits	benefit	NOUN
gp-336	16	22	of	of	ADP
gp-336	16	23	new	new	ADJ
gp-336	16	24	technologies	technology	NOUN
gp-336	16	25	(	(	PUNCT
gp-336	16	26	rivero	rivero	PROPN
gp-336	16	27	del	del	PROPN
gp-336	16	28	paso	paso	PROPN
gp-336	16	29	et	et	PROPN
gp-336	16	30	al	al	PROPN
gp-336	16	31	.	.	PROPN
gp-336	16	32	,	,	PUNCT
gp-336	16	33	2023	2023	NUM
gp-336	16	34	;	;	PUNCT
gp-336	16	35	fahndrich	fahndrich	ADJ
gp-336	16	36	,	,	PUNCT
gp-336	16	37	2023	2023	NUM
gp-336	16	38	)	)	PUNCT
gp-336	16	39	.	.	PUNCT
gp-336	17	1	this	this	DET
gp-336	17	2	article	article	NOUN
gp-336	17	3	examines	examine	VERB
gp-336	17	4	how	how	SCONJ
gp-336	17	5	digital	digital	ADJ
gp-336	17	6	tools	tool	NOUN
gp-336	17	7	and	and	CCONJ
gp-336	17	8	emerging	emerge	VERB
gp-336	17	9	trends	trend	NOUN
gp-336	17	10	have	have	AUX
gp-336	17	11	become	become	VERB
gp-336	17	12	key	key	ADJ
gp-336	17	13	factors	factor	NOUN
gp-336	17	14	reshaping	reshape	VERB
gp-336	17	15	the	the	DET
gp-336	17	16	entire	entire	ADJ
gp-336	17	17	financial	financial	ADJ
gp-336	17	18	planning	planning	NOUN
gp-336	17	19	process	process	NOUN
gp-336	17	20	,	,	PUNCT
gp-336	17	21	and	and	CCONJ
gp-336	17	22	how	how	SCONJ
gp-336	17	23	financial	financial	ADJ
gp-336	17	24	managers	manager	NOUN
gp-336	17	25	can	can	AUX
gp-336	17	26	leverage	leverage	VERB
gp-336	17	27	them	they	PRON
gp-336	17	28	to	to	PART
gp-336	17	29	achieve	achieve	VERB
gp-336	17	30	sustainable	sustainable	ADJ
gp-336	17	31	business	business	NOUN
gp-336	17	32	success	success	NOUN
gp-336	17	33	while	while	SCONJ
gp-336	17	34	overcoming	overcome	VERB
gp-336	17	35	related	related	ADJ
gp-336	17	36	challenges	challenge	NOUN
gp-336	17	37	,	,	PUNCT
gp-336	17	38	based	base	VERB
gp-336	17	39	on	on	ADP
gp-336	17	40	the	the	DET
gp-336	17	41	reviewed	review	VERB
gp-336	17	42	research	research	NOUN
gp-336	17	43	to	to	PART
gp-336	17	44	create	create	VERB
gp-336	17	45	a	a	DET
gp-336	17	46	foundational	foundational	ADJ
gp-336	17	47	and	and	CCONJ
gp-336	17	48	authoritative	authoritative	ADJ
gp-336	17	49	perspective	perspective	NOUN
gp-336	17	50	on	on	ADP
gp-336	17	51	the	the	DET
gp-336	17	52	issue	issue	NOUN
gp-336	17	53	(	(	PUNCT
gp-336	17	54	farinha	farinha	NOUN
gp-336	17	55	&	&	CCONJ
gp-336	17	56	de	de	PROPN
gp-336	17	57	fátima	fátima	PROPN
gp-336	17	58	pina	pina	NOUN
gp-336	17	59	,	,	PUNCT
gp-336	17	60	2025	2025	NUM
gp-336	17	61	;	;	PUNCT
gp-336	17	62	hanafiah	hanafiah	PROPN
gp-336	17	63	&	&	CCONJ
gp-336	17	64	dewi	dewi	PROPN
gp-336	17	65	,	,	PUNCT
gp-336	17	66	2025	2025	NUM
gp-336	17	67	)	)	PUNCT
gp-336	17	68	.	.	PUNCT
gp-336	18	1	the	the	DET
gp-336	18	2	purpose	purpose	NOUN
gp-336	18	3	of	of	ADP
gp-336	18	4	this	this	DET
gp-336	18	5	research	research	NOUN
gp-336	18	6	is	be	AUX
gp-336	18	7	to	to	PART
gp-336	18	8	examine	examine	VERB
gp-336	18	9	the	the	DET
gp-336	18	10	role	role	NOUN
gp-336	18	11	of	of	ADP
gp-336	18	12	digital	digital	ADJ
gp-336	18	13	technologies	technology	NOUN
gp-336	18	14	in	in	ADP
gp-336	18	15	reshaping	reshape	VERB
gp-336	18	16	financial	financial	ADJ
gp-336	18	17	planning	planning	NOUN
gp-336	18	18	practices	practice	NOUN
gp-336	18	19	and	and	CCONJ
gp-336	18	20	to	to	PART
gp-336	18	21	identify	identify	VERB
gp-336	18	22	strategies	strategy	NOUN
gp-336	18	23	that	that	PRON
gp-336	18	24	financial	financial	ADJ
gp-336	18	25	managers	manager	NOUN
gp-336	18	26	can	can	AUX
gp-336	18	27	adopt	adopt	VERB
gp-336	18	28	to	to	PART
gp-336	18	29	optimize	optimize	VERB
gp-336	18	30	their	their	PRON
gp-336	18	31	use	use	NOUN
gp-336	18	32	(	(	PUNCT
gp-336	18	33	farinha	farinha	NOUN
gp-336	18	34	&	&	CCONJ
gp-336	18	35	de	de	PROPN
gp-336	18	36	fátima	fátima	PROPN
gp-336	18	37	pina	pina	NOUN
gp-336	18	38	,	,	PUNCT
gp-336	18	39	2025	2025	NUM
gp-336	18	40	;	;	PUNCT
gp-336	18	41	olga	olga	PROPN
gp-336	18	42	,	,	PUNCT
gp-336	18	43	2025	2025	NUM
gp-336	18	44	)	)	PUNCT
gp-336	18	45	.	.	PUNCT
gp-336	19	1	more	more	ADV
gp-336	19	2	specifically	specifically	ADV
gp-336	19	3	,	,	PUNCT
gp-336	19	4	first	first	ADV
gp-336	19	5	,	,	PUNCT
gp-336	19	6	the	the	DET
gp-336	19	7	research	research	NOUN
gp-336	19	8	analyzes	analyze	VERB
gp-336	19	9	how	how	SCONJ
gp-336	19	10	digital	digital	ADJ
gp-336	19	11	tools	tool	NOUN
gp-336	19	12	—	—	PUNCT
gp-336	19	13	such	such	ADJ
gp-336	19	14	as	as	ADP
gp-336	19	15	cloud	cloud	NOUN
gp-336	19	16	computing	computing	NOUN
gp-336	19	17	,	,	PUNCT
gp-336	19	18	erp	erp	PROPN
gp-336	19	19	(	(	PUNCT
gp-336	19	20	enterprise	enterprise	NOUN
gp-336	19	21	resource	resource	NOUN
gp-336	19	22	planning	planning	NOUN
gp-336	19	23	)	)	PUNCT
gp-336	19	24	,	,	PUNCT
gp-336	19	25	rpa	rpa	PROPN
gp-336	19	26	(	(	PUNCT
gp-336	19	27	robotic	robotic	ADJ
gp-336	19	28	process	process	NOUN
gp-336	19	29	automation	automation	NOUN
gp-336	19	30	)	)	PUNCT
gp-336	19	31	,	,	PUNCT
gp-336	19	32	and	and	CCONJ
gp-336	19	33	ai	ai	VERB
gp-336	19	34	—	—	PUNCT
gp-336	19	35	can	can	AUX
gp-336	19	36	enhance	enhance	VERB
gp-336	19	37	efficiency	efficiency	NOUN
gp-336	19	38	and	and	CCONJ
gp-336	19	39	accuracy	accuracy	NOUN
gp-336	19	40	in	in	ADP
gp-336	19	41	financial	financial	ADJ
gp-336	19	42	planning	planning	NOUN
gp-336	19	43	processes	process	NOUN
gp-336	19	44	.	.	PUNCT
gp-336	20	1	second	second	ADJ
gp-336	20	2	,	,	PUNCT
gp-336	20	3	it	it	PRON
gp-336	20	4	discusses	discuss	VERB
gp-336	20	5	the	the	DET
gp-336	20	6	key	key	ADJ
gp-336	20	7	trends	trend	NOUN
gp-336	20	8	shaping	shape	VERB
gp-336	20	9	the	the	DET
gp-336	20	10	future	future	NOUN
gp-336	20	11	of	of	ADP
gp-336	20	12	fp&a	fp&a	PROPN
gp-336	20	13	,	,	PUNCT
gp-336	20	14	including	include	VERB
gp-336	20	15	real	real	ADJ
gp-336	20	16	-	-	PUNCT
gp-336	20	17	time	time	NOUN
gp-336	20	18	reporting	reporting	NOUN
gp-336	20	19	,	,	PUNCT
gp-336	20	20	integration	integration	NOUN
gp-336	20	21	of	of	ADP
gp-336	20	22	esg	esg	PROPN
gp-336	20	23	(	(	PUNCT
gp-336	20	24	environmental	environmental	ADJ
gp-336	20	25	,	,	PUNCT
gp-336	20	26	social	social	ADJ
gp-336	20	27	,	,	PUNCT
gp-336	20	28	and	and	CCONJ
gp-336	20	29	governance	governance	NOUN
gp-336	20	30	)	)	PUNCT
gp-336	20	31	aspects	aspect	NOUN
gp-336	20	32	,	,	PUNCT
gp-336	20	33	financial	financial	ADJ
gp-336	20	34	inclusion	inclusion	NOUN
gp-336	20	35	,	,	PUNCT
gp-336	20	36	cybersecurity	cybersecurity	NOUN
gp-336	20	37	,	,	PUNCT
gp-336	20	38	and	and	CCONJ
gp-336	20	39	service	service	NOUN
gp-336	20	40	personalization	personalization	NOUN
gp-336	20	41	(	(	PUNCT
gp-336	20	42	chekashova	chekashova	PROPN
gp-336	20	43	,	,	PUNCT
gp-336	20	44	2025	2025	NUM
gp-336	20	45	)	)	PUNCT
gp-336	20	46	.	.	PUNCT
gp-336	21	1	finally	finally	ADV
gp-336	21	2	,	,	PUNCT
gp-336	21	3	the	the	DET
gp-336	21	4	study	study	NOUN
gp-336	21	5	evaluates	evaluate	VERB
gp-336	21	6	the	the	DET
gp-336	21	7	scope	scope	NOUN
gp-336	21	8	of	of	ADP
gp-336	21	9	challenges	challenge	NOUN
gp-336	21	10	and	and	CCONJ
gp-336	21	11	opportunities	opportunity	NOUN
gp-336	21	12	arising	arise	VERB
gp-336	21	13	from	from	ADP
gp-336	21	14	the	the	DET
gp-336	21	15	adoption	adoption	NOUN
gp-336	21	16	of	of	ADP
gp-336	21	17	digital	digital	ADJ
gp-336	21	18	technologies	technology	NOUN
gp-336	21	19	,	,	PUNCT
gp-336	21	20	ultimately	ultimately	ADV
gp-336	21	21	providing	provide	VERB
gp-336	21	22	financial	financial	ADJ
gp-336	21	23	managers	manager	NOUN
gp-336	21	24	with	with	ADP
gp-336	21	25	insights	insight	NOUN
gp-336	21	26	for	for	ADP
gp-336	21	27	navigating	navigate	VERB
gp-336	21	28	the	the	DET
gp-336	21	29	complexity	complexity	NOUN
gp-336	21	30	of	of	ADP
gp-336	21	31	digital	digital	ADJ
gp-336	21	32	transformation	transformation	NOUN
gp-336	21	33	and	and	CCONJ
gp-336	21	34	achieving	achieve	VERB
gp-336	21	35	long	long	ADJ
gp-336	21	36	-	-	PUNCT
gp-336	21	37	term	term	NOUN
gp-336	21	38	strategic	strategic	ADJ
gp-336	21	39	advantage	advantage	NOUN
gp-336	21	40	.	.	PUNCT
gp-336	22	1	research	research	NOUN
gp-336	22	2	method	method	NOUN
gp-336	22	3	this	this	DET
gp-336	22	4	research	research	NOUN
gp-336	22	5	paper	paper	NOUN
gp-336	22	6	followed	follow	VERB
gp-336	22	7	a	a	DET
gp-336	22	8	systematic	systematic	ADJ
gp-336	22	9	literature	literature	NOUN
gp-336	22	10	review	review	NOUN
gp-336	22	11	(	(	PUNCT
gp-336	22	12	slr	slr	X
gp-336	22	13	)	)	PUNCT
gp-336	22	14	approach	approach	NOUN
gp-336	22	15	to	to	PART
gp-336	22	16	examine	examine	VERB
gp-336	22	17	the	the	DET
gp-336	22	18	effect	effect	NOUN
gp-336	22	19	of	of	ADP
gp-336	22	20	digitalisation	digitalisation	NOUN
gp-336	22	21	on	on	ADP
gp-336	22	22	financial	financial	ADJ
gp-336	22	23	planning	planning	NOUN
gp-336	22	24	by	by	ADP
gp-336	22	25	addressing	address	VERB
gp-336	22	26	the	the	DET
gp-336	22	27	tools	tool	NOUN
gp-336	22	28	and	and	CCONJ
gp-336	22	29	trends	trend	NOUN
gp-336	22	30	that	that	PRON
gp-336	22	31	characterised	characterise	VERB
gp-336	22	32	contemporary	contemporary	ADJ
gp-336	22	33	financial	financial	ADJ
gp-336	22	34	management	management	NOUN
gp-336	22	35	.	.	PUNCT
gp-336	23	1	the	the	DET
gp-336	23	2	slr	slr	NOUN
gp-336	23	3	method	method	NOUN
gp-336	23	4	was	be	AUX
gp-336	23	5	chosen	choose	VERB
gp-336	23	6	because	because	SCONJ
gp-336	23	7	it	it	PRON
gp-336	23	8	provided	provide	VERB
gp-336	23	9	a	a	DET
gp-336	23	10	systematic	systematic	ADJ
gp-336	23	11	and	and	CCONJ
gp-336	23	12	rigorous	rigorous	ADJ
gp-336	23	13	way	way	NOUN
gp-336	23	14	to	to	PART
gp-336	23	15	synthesise	synthesise	VERB
gp-336	23	16	existing	exist	VERB
gp-336	23	17	knowledge	knowledge	NOUN
gp-336	23	18	while	while	SCONJ
gp-336	23	19	minimising	minimise	VERB
gp-336	23	20	bias	bias	NOUN
gp-336	23	21	(	(	PUNCT
gp-336	23	22	barreto	barreto	PROPN
gp-336	23	23	et	et	PROPN
gp-336	23	24	al	al	PROPN
gp-336	23	25	.	.	PROPN
gp-336	23	26	,	,	PUNCT
gp-336	23	27	2025	2025	NUM
gp-336	23	28	)	)	PUNCT
gp-336	23	29	.	.	PUNCT
gp-336	24	1	the	the	DET
gp-336	24	2	study	study	NOUN
gp-336	24	3	offered	offer	VERB
gp-336	24	4	a	a	DET
gp-336	24	5	structured	structured	ADJ
gp-336	24	6	overview	overview	NOUN
gp-336	24	7	of	of	ADP
gp-336	24	8	the	the	DET
gp-336	24	9	digital	digital	ADJ
gp-336	24	10	tools	tool	NOUN
gp-336	24	11	,	,	PUNCT
gp-336	24	12	trends	trend	NOUN
gp-336	24	13	,	,	PUNCT
gp-336	24	14	and	and	CCONJ
gp-336	24	15	challenges	challenge	NOUN
gp-336	24	16	within	within	ADP
gp-336	24	17	financial	financial	ADJ
gp-336	24	18	planning	planning	NOUN
gp-336	24	19	and	and	CCONJ
gp-336	24	20	analysis	analysis	NOUN
gp-336	24	21	(	(	PUNCT
gp-336	24	22	fp&a	fp&a	PROPN
gp-336	24	23	)	)	PUNCT
gp-336	24	24	by	by	ADP
gp-336	24	25	systematically	systematically	ADV
gp-336	24	26	reviewing	review	VERB
gp-336	24	27	peer	peer	NOUN
gp-336	24	28	-	-	PUNCT
gp-336	24	29	reviewed	review	VERB
gp-336	24	30	articles	article	NOUN
gp-336	24	31	,	,	PUNCT
gp-336	24	32	industry	industry	NOUN
gp-336	24	33	reports	report	NOUN
gp-336	24	34	,	,	PUNCT
gp-336	24	35	and	and	CCONJ
gp-336	24	36	technical	technical	ADJ
gp-336	24	37	manuals	manual	NOUN
gp-336	24	38	.	.	PUNCT
gp-336	25	1	the	the	DET
gp-336	25	2	approach	approach	NOUN
gp-336	25	3	was	be	AUX
gp-336	25	4	qualitative	qualitative	ADJ
gp-336	25	5	,	,	PUNCT
gp-336	25	6	focusing	focus	VERB
gp-336	25	7	on	on	ADP
gp-336	25	8	in	in	ADP
gp-336	25	9	-	-	PUNCT
gp-336	25	10	depth	depth	ADJ
gp-336	25	11	secondary	secondary	ADJ
gp-336	25	12	data	datum	NOUN
gp-336	25	13	analysis	analysis	NOUN
gp-336	25	14	to	to	PART
gp-336	25	15	generate	generate	VERB
gp-336	25	16	insights	insight	NOUN
gp-336	25	17	beneficial	beneficial	ADJ
gp-336	25	18	for	for	ADP
gp-336	25	19	financial	financial	ADJ
gp-336	25	20	managers	manager	NOUN
gp-336	25	21	navigating	navigate	VERB
gp-336	25	22	digital	digital	ADJ
gp-336	25	23	transformation	transformation	NOUN
gp-336	25	24	(	(	PUNCT
gp-336	25	25	satiti	satiti	INTJ
gp-336	25	26	et	et	PROPN
gp-336	25	27	al	al	PROPN
gp-336	25	28	.	.	PROPN
gp-336	25	29	,	,	PUNCT
gp-336	25	30	2024	2024	NUM
gp-336	25	31	)	)	PUNCT
gp-336	25	32	.	.	PUNCT
gp-336	26	1	american	american	PROPN
gp-336	26	2	journal	journal	PROPN
gp-336	26	3	of	of	ADP
gp-336	26	4	economic	economic	ADJ
gp-336	26	5	and	and	CCONJ
gp-336	26	6	management	management	NOUN
gp-336	26	7	business	business	NOUN
gp-336	26	8	vol	vol	NOUN
gp-336	26	9	.	.	PROPN
gp-336	27	1	4	4	NUM
gp-336	27	2	no	no	NOUN
gp-336	27	3	.	.	PUNCT
gp-336	28	1	10	10	NUM
gp-336	28	2	october	october	PROPN
gp-336	28	3	2025	2025	NUM
gp-336	28	4	1654	1654	NUM
gp-336	28	5	table	table	NOUN
gp-336	28	6	1	1	NUM
gp-336	28	7	.	.	PUNCT
gp-336	28	8	overview	overview	NOUN
gp-336	28	9	of	of	ADP
gp-336	28	10	data	datum	NOUN
gp-336	28	11	sources	source	NOUN
gp-336	28	12	source	source	NOUN
gp-336	28	13	type	type	NOUN
gp-336	28	14	number	number	NOUN
gp-336	28	15	examples	example	NOUN
gp-336	28	16	peer	peer	NOUN
gp-336	28	17	-	-	PUNCT
gp-336	28	18	reviewed	review	VERB
gp-336	28	19	journals	journal	NOUN
gp-336	28	20	10	10	NUM
gp-336	28	21	avira	avira	NOUN
gp-336	28	22	et	et	PROPN
gp-336	28	23	al	al	PROPN
gp-336	28	24	.	.	PROPN
gp-336	29	1	(	(	PUNCT
gp-336	29	2	2023	2023	NUM
gp-336	29	3	)	)	PUNCT
gp-336	29	4	,	,	PUNCT
gp-336	29	5	nwoke	nwoke	NOUN
gp-336	29	6	(	(	PUNCT
gp-336	29	7	2024	2024	NUM
gp-336	29	8	)	)	PUNCT
gp-336	29	9	,	,	PUNCT
gp-336	29	10	gulati	gulati	PROPN
gp-336	29	11	&	&	CCONJ
gp-336	29	12	singh	singh	PROPN
gp-336	29	13	(	(	PUNCT
gp-336	29	14	2024	2024	NUM
gp-336	29	15	)	)	PUNCT
gp-336	29	16	industry	industry	NOUN
gp-336	29	17	reports	report	VERB
gp-336	29	18	7	7	NUM
gp-336	29	19	deloitte	deloitte	PROPN
gp-336	29	20	(	(	PUNCT
gp-336	29	21	n.d	n.d	PROPN
gp-336	29	22	.	.	PROPN
gp-336	29	23	)	)	PUNCT
gp-336	29	24	,	,	PUNCT
gp-336	29	25	the	the	DET
gp-336	29	26	impact	impact	NOUN
gp-336	29	27	of	of	ADP
gp-336	29	28	digital	digital	ADJ
gp-336	29	29	transformation	transformation	NOUN
gp-336	29	30	on	on	ADP
gp-336	29	31	fp&a	fp&a	PROPN
gp-336	29	32	(	(	PUNCT
gp-336	29	33	n.d	n.d	PROPN
gp-336	29	34	.	.	PROPN
gp-336	29	35	)	)	PUNCT
gp-336	30	1	technical	technical	ADJ
gp-336	30	2	manuals	manual	NOUN
gp-336	30	3	1	1	NUM
gp-336	30	4	rivero	rivero	PROPN
gp-336	30	5	del	del	PROPN
gp-336	30	6	paso	paso	PROPN
gp-336	30	7	et	et	PROPN
gp-336	30	8	al	al	PROPN
gp-336	30	9	.	.	PROPN
gp-336	30	10	(	(	PUNCT
gp-336	30	11	2023	2023	NUM
gp-336	30	12	)	)	PUNCT
gp-336	30	13	other	other	ADJ
gp-336	30	14	(	(	PUNCT
gp-336	30	15	e.g.	e.g.	ADV
gp-336	30	16	,	,	PUNCT
gp-336	30	17	articles	article	NOUN
gp-336	30	18	)	)	PUNCT
gp-336	30	19	2	2	NUM
gp-336	30	20	deldag	deldag	NOUN
gp-336	30	21	(	(	PUNCT
gp-336	30	22	2020	2020	NUM
gp-336	30	23	)	)	PUNCT
gp-336	30	24	,	,	PUNCT
gp-336	30	25	maddevs	maddevs	NOUN
gp-336	30	26	(	(	PUNCT
gp-336	30	27	n.d	n.d	PROPN
gp-336	30	28	.	.	PROPN
gp-336	30	29	)	)	PUNCT
gp-336	30	30	source	source	NOUN
gp-336	30	31	:	:	PUNCT
gp-336	30	32	systematic	systematic	ADJ
gp-336	30	33	literature	literature	PROPN
gp-336	30	34	review	review	PROPN
gp-336	30	35	data	datum	NOUN
gp-336	30	36	collection	collection	NOUN
gp-336	30	37	,	,	PUNCT
gp-336	30	38	2025	2025	NUM
gp-336	30	39	the	the	DET
gp-336	30	40	proposed	propose	VERB
gp-336	30	41	procedure	procedure	NOUN
gp-336	30	42	was	be	AUX
gp-336	30	43	based	base	VERB
gp-336	30	44	on	on	ADP
gp-336	30	45	extracting	extract	VERB
gp-336	30	46	relevant	relevant	ADJ
gp-336	30	47	information	information	NOUN
gp-336	30	48	from	from	ADP
gp-336	30	49	the	the	DET
gp-336	30	50	provided	provide	VERB
gp-336	30	51	sources	source	NOUN
gp-336	30	52	using	use	VERB
gp-336	30	53	a	a	DET
gp-336	30	54	structured	structured	ADJ
gp-336	30	55	framework	framework	NOUN
gp-336	30	56	.	.	PUNCT
gp-336	31	1	each	each	DET
gp-336	31	2	source	source	NOUN
gp-336	31	3	was	be	AUX
gp-336	31	4	analyzed	analyze	VERB
gp-336	31	5	to	to	PART
gp-336	31	6	identify	identify	VERB
gp-336	31	7	key	key	ADJ
gp-336	31	8	themes	theme	NOUN
gp-336	31	9	under	under	ADP
gp-336	31	10	digital	digital	ADJ
gp-336	31	11	tools	tool	NOUN
gp-336	31	12	(	(	PUNCT
gp-336	31	13	e.g.	e.g.	ADV
gp-336	31	14	,	,	PUNCT
gp-336	31	15	cloud	cloud	NOUN
gp-336	31	16	platforms	platform	NOUN
gp-336	31	17	,	,	PUNCT
gp-336	31	18	ai	ai	VERB
gp-336	31	19	,	,	PUNCT
gp-336	31	20	rpa	rpa	PROPN
gp-336	31	21	)	)	PUNCT
gp-336	31	22	,	,	PUNCT
gp-336	31	23	trends	trend	NOUN
gp-336	31	24	(	(	PUNCT
gp-336	31	25	e.g.	e.g.	ADV
gp-336	31	26	,	,	PUNCT
gp-336	31	27	real	real	ADJ
gp-336	31	28	-	-	PUNCT
gp-336	31	29	time	time	NOUN
gp-336	31	30	reporting	reporting	NOUN
gp-336	31	31	,	,	PUNCT
gp-336	31	32	financial	financial	ADJ
gp-336	31	33	inclusion	inclusion	NOUN
gp-336	31	34	)	)	PUNCT
gp-336	31	35	,	,	PUNCT
gp-336	31	36	and	and	CCONJ
gp-336	31	37	challenges	challenge	NOUN
gp-336	31	38	(	(	PUNCT
gp-336	31	39	e.g.	e.g.	ADV
gp-336	31	40	,	,	PUNCT
gp-336	31	41	data	datum	NOUN
gp-336	31	42	privacy	privacy	NOUN
gp-336	31	43	,	,	PUNCT
gp-336	31	44	implementation	implementation	NOUN
gp-336	31	45	costs	cost	NOUN
gp-336	31	46	)	)	PUNCT
gp-336	31	47	,	,	PUNCT
gp-336	31	48	among	among	ADP
gp-336	31	49	others	other	NOUN
gp-336	31	50	.	.	PUNCT
gp-336	32	1	a	a	DET
gp-336	32	2	data	data	NOUN
gp-336	32	3	extraction	extraction	NOUN
gp-336	32	4	template	template	NOUN
gp-336	32	5	was	be	AUX
gp-336	32	6	employed	employ	VERB
gp-336	32	7	to	to	PART
gp-336	32	8	ensure	ensure	VERB
gp-336	32	9	consistency	consistency	NOUN
gp-336	32	10	,	,	PUNCT
gp-336	32	11	and	and	CCONJ
gp-336	32	12	several	several	ADJ
gp-336	32	13	items	item	NOUN
gp-336	32	14	were	be	AUX
gp-336	32	15	captured	capture	VERB
gp-336	32	16	,	,	PUNCT
gp-336	32	17	including	include	VERB
gp-336	32	18	the	the	DET
gp-336	32	19	source	source	NOUN
gp-336	32	20	focus	focus	NOUN
gp-336	32	21	,	,	PUNCT
gp-336	32	22	major	major	ADJ
gp-336	32	23	findings	finding	NOUN
gp-336	32	24	,	,	PUNCT
gp-336	32	25	data	data	VERB
gp-336	32	26	analysis	analysis	NOUN
gp-336	32	27	methods	method	NOUN
gp-336	32	28	,	,	PUNCT
gp-336	32	29	and	and	CCONJ
gp-336	32	30	conclusions	conclusion	NOUN
gp-336	32	31	with	with	ADP
gp-336	32	32	implications	implication	NOUN
gp-336	32	33	for	for	ADP
gp-336	32	34	financial	financial	ADJ
gp-336	32	35	planning	planning	NOUN
gp-336	32	36	.	.	PUNCT
gp-336	33	1	the	the	DET
gp-336	33	2	template	template	NOUN
gp-336	33	3	contained	contain	VERB
gp-336	33	4	sections	section	NOUN
gp-336	33	5	such	such	ADJ
gp-336	33	6	as	as	ADP
gp-336	33	7	tool	tool	NOUN
gp-336	33	8	descriptions	description	NOUN
gp-336	33	9	,	,	PUNCT
gp-336	33	10	trend	trend	NOUN
gp-336	33	11	analysis	analysis	NOUN
gp-336	33	12	,	,	PUNCT
gp-336	33	13	and	and	CCONJ
gp-336	33	14	challenges	challenge	NOUN
gp-336	33	15	,	,	PUNCT
gp-336	33	16	enabling	enable	VERB
gp-336	33	17	the	the	DET
gp-336	33	18	most	most	ADV
gp-336	33	19	significant	significant	ADJ
gp-336	33	20	aspects	aspect	NOUN
gp-336	33	21	of	of	ADP
gp-336	33	22	the	the	DET
gp-336	33	23	topic	topic	NOUN
gp-336	33	24	to	to	PART
gp-336	33	25	be	be	AUX
gp-336	33	26	systematically	systematically	ADV
gp-336	33	27	evaluated	evaluate	VERB
gp-336	33	28	(	(	PUNCT
gp-336	33	29	fahndrich	fahndrich	NOUN
gp-336	33	30	,	,	PUNCT
gp-336	33	31	2023	2023	NUM
gp-336	33	32	)	)	PUNCT
gp-336	33	33	.	.	PUNCT
gp-336	34	1	the	the	DET
gp-336	34	2	collection	collection	NOUN
gp-336	34	3	procedure	procedure	NOUN
gp-336	34	4	was	be	AUX
gp-336	34	5	iterative	iterative	NOUN
gp-336	34	6	:	:	PUNCT
gp-336	34	7	the	the	DET
gp-336	34	8	first	first	ADJ
gp-336	34	9	readings	reading	NOUN
gp-336	34	10	were	be	AUX
gp-336	34	11	used	use	VERB
gp-336	34	12	to	to	PART
gp-336	34	13	identify	identify	VERB
gp-336	34	14	general	general	ADJ
gp-336	34	15	themes	theme	NOUN
gp-336	34	16	,	,	PUNCT
gp-336	34	17	followed	follow	VERB
gp-336	34	18	by	by	ADP
gp-336	34	19	second	second	ADJ
gp-336	34	20	readings	reading	NOUN
gp-336	34	21	to	to	PART
gp-336	34	22	uncover	uncover	VERB
gp-336	34	23	more	more	ADV
gp-336	34	24	specific	specific	ADJ
gp-336	34	25	insights	insight	NOUN
gp-336	34	26	.	.	PUNCT
gp-336	35	1	for	for	ADP
gp-336	35	2	instance	instance	NOUN
gp-336	35	3	,	,	PUNCT
gp-336	35	4	discussion	discussion	NOUN
gp-336	35	5	was	be	AUX
gp-336	35	6	informed	inform	VERB
gp-336	35	7	by	by	ADP
gp-336	35	8	sources	source	NOUN
gp-336	35	9	such	such	ADJ
gp-336	35	10	as	as	ADP
gp-336	35	11	chlouverakis	chlouverakis	NOUN
gp-336	35	12	&	&	CCONJ
gp-336	35	13	rawal	rawal	PROPN
gp-336	35	14	(	(	PUNCT
gp-336	35	15	2024	2024	NUM
gp-336	35	16	)	)	PUNCT
gp-336	35	17	,	,	PUNCT
gp-336	35	18	who	who	PRON
gp-336	35	19	provided	provide	VERB
gp-336	35	20	insights	insight	NOUN
gp-336	35	21	into	into	ADP
gp-336	35	22	the	the	DET
gp-336	35	23	use	use	NOUN
gp-336	35	24	of	of	ADP
gp-336	35	25	ai	ai	NOUN
gp-336	35	26	in	in	ADP
gp-336	35	27	predictive	predictive	ADJ
gp-336	35	28	analytics	analytic	NOUN
gp-336	35	29	,	,	PUNCT
gp-336	35	30	while	while	SCONJ
gp-336	35	31	mavlutova	mavlutova	PROPN
gp-336	35	32	et	et	PROPN
gp-336	35	33	al	al	PROPN
gp-336	35	34	.	.	PROPN
gp-336	36	1	(	(	PUNCT
gp-336	36	2	2023	2023	NUM
gp-336	36	3	)	)	PUNCT
gp-336	36	4	highlighted	highlight	VERB
gp-336	36	5	the	the	DET
gp-336	36	6	role	role	NOUN
gp-336	36	7	of	of	ADP
gp-336	36	8	digital	digital	ADJ
gp-336	36	9	tools	tool	NOUN
gp-336	36	10	in	in	ADP
gp-336	36	11	esg	esg	NOUN
gp-336	36	12	integration	integration	NOUN
gp-336	36	13	.	.	PUNCT
gp-336	37	1	this	this	DET
gp-336	37	2	procedure	procedure	NOUN
gp-336	37	3	ensured	ensure	VERB
gp-336	37	4	that	that	SCONJ
gp-336	37	5	all	all	DET
gp-336	37	6	pertinent	pertinent	ADJ
gp-336	37	7	information	information	NOUN
gp-336	37	8	was	be	AUX
gp-336	37	9	systematically	systematically	ADV
gp-336	37	10	recorded	record	VERB
gp-336	37	11	and	and	CCONJ
gp-336	37	12	facilitated	facilitate	VERB
gp-336	37	13	a	a	DET
gp-336	37	14	rigorous	rigorous	ADJ
gp-336	37	15	cross	cross	NOUN
gp-336	37	16	-	-	NOUN
gp-336	37	17	examination	examination	NOUN
gp-336	37	18	of	of	ADP
gp-336	37	19	data	datum	NOUN
gp-336	37	20	.	.	PUNCT
gp-336	38	1	thematic	thematic	ADJ
gp-336	38	2	analysis	analysis	NOUN
gp-336	38	3	,	,	PUNCT
gp-336	38	4	a	a	DET
gp-336	38	5	qualitative	qualitative	ADJ
gp-336	38	6	method	method	NOUN
gp-336	38	7	,	,	PUNCT
gp-336	38	8	was	be	AUX
gp-336	38	9	employed	employ	VERB
gp-336	38	10	to	to	PART
gp-336	38	11	analyze	analyze	VERB
gp-336	38	12	the	the	DET
gp-336	38	13	collected	collect	VERB
gp-336	38	14	data	datum	NOUN
gp-336	38	15	,	,	PUNCT
gp-336	38	16	identify	identify	VERB
gp-336	38	17	patterns	pattern	NOUN
gp-336	38	18	,	,	PUNCT
gp-336	38	19	and	and	CCONJ
gp-336	38	20	synthesize	synthesize	VERB
gp-336	38	21	findings	finding	NOUN
gp-336	38	22	across	across	ADP
gp-336	38	23	multiple	multiple	ADJ
gp-336	38	24	sources	source	NOUN
gp-336	38	25	(	(	PUNCT
gp-336	38	26	thottoli	thottoli	NOUN
gp-336	38	27	et	et	PROPN
gp-336	38	28	al	al	PROPN
gp-336	38	29	.	.	PROPN
gp-336	38	30	,	,	PUNCT
gp-336	38	31	2023	2023	NUM
gp-336	38	32	)	)	PUNCT
gp-336	38	33	.	.	PUNCT
gp-336	39	1	the	the	DET
gp-336	39	2	analysis	analysis	NOUN
gp-336	39	3	followed	follow	VERB
gp-336	39	4	three	three	NUM
gp-336	39	5	steps	step	NOUN
gp-336	39	6	:	:	PUNCT
gp-336	39	7	1	1	X
gp-336	39	8	.	.	X
gp-336	40	1	coding	code	VERB
gp-336	40	2	:	:	PUNCT
gp-336	40	3	predetermined	predetermine	VERB
gp-336	40	4	themes	theme	NOUN
gp-336	40	5	included	include	VERB
gp-336	40	6	digital	digital	ADJ
gp-336	40	7	tools	tool	NOUN
gp-336	40	8	,	,	PUNCT
gp-336	40	9	trends	trend	NOUN
gp-336	40	10	,	,	PUNCT
gp-336	40	11	and	and	CCONJ
gp-336	40	12	challenges	challenge	NOUN
gp-336	40	13	,	,	PUNCT
gp-336	40	14	while	while	SCONJ
gp-336	40	15	subthemes	subtheme	NOUN
gp-336	40	16	encompassed	encompass	VERB
gp-336	40	17	areas	area	NOUN
gp-336	40	18	such	such	ADJ
gp-336	40	19	as	as	ADP
gp-336	40	20	cloud	cloud	NOUN
gp-336	40	21	computing	computing	NOUN
gp-336	40	22	,	,	PUNCT
gp-336	40	23	real	real	ADJ
gp-336	40	24	-	-	PUNCT
gp-336	40	25	time	time	NOUN
gp-336	40	26	reporting	reporting	NOUN
gp-336	40	27	,	,	PUNCT
gp-336	40	28	and	and	CCONJ
gp-336	40	29	cybersecurity	cybersecurity	NOUN
gp-336	40	30	.	.	PUNCT
gp-336	41	1	codes	code	NOUN
gp-336	41	2	were	be	AUX
gp-336	41	3	constructed	construct	VERB
gp-336	41	4	both	both	CCONJ
gp-336	41	5	deductively	deductively	ADV
gp-336	41	6	(	(	PUNCT
gp-336	41	7	aligned	align	VERB
gp-336	41	8	with	with	ADP
gp-336	41	9	research	research	NOUN
gp-336	41	10	goals	goal	NOUN
gp-336	41	11	)	)	PUNCT
gp-336	41	12	and	and	CCONJ
gp-336	41	13	inductively	inductively	ADV
gp-336	41	14	(	(	PUNCT
gp-336	41	15	emerging	emerge	VERB
gp-336	41	16	from	from	ADP
gp-336	41	17	patterns	pattern	NOUN
gp-336	41	18	in	in	ADP
gp-336	41	19	the	the	DET
gp-336	41	20	data	datum	NOUN
gp-336	41	21	)	)	PUNCT
gp-336	41	22	.	.	PUNCT
gp-336	42	1	2	2	X
gp-336	42	2	.	.	X
gp-336	42	3	theme	theme	NOUN
gp-336	42	4	development	development	NOUN
gp-336	42	5	:	:	PUNCT
gp-336	42	6	coded	code	VERB
gp-336	42	7	data	datum	NOUN
gp-336	42	8	were	be	AUX
gp-336	42	9	consolidated	consolidate	VERB
gp-336	42	10	into	into	ADP
gp-336	42	11	broader	broad	ADJ
gp-336	42	12	themes	theme	NOUN
gp-336	42	13	,	,	PUNCT
gp-336	42	14	such	such	ADJ
gp-336	42	15	as	as	ADP
gp-336	42	16	digital	digital	ADJ
gp-336	42	17	tools	tool	NOUN
gp-336	42	18	supporting	support	VERB
gp-336	42	19	financial	financial	ADJ
gp-336	42	20	planning	planning	NOUN
gp-336	42	21	and	and	CCONJ
gp-336	42	22	emerging	emerge	VERB
gp-336	42	23	trends	trend	NOUN
gp-336	42	24	in	in	ADP
gp-336	42	25	financial	financial	ADJ
gp-336	42	26	planning	planning	NOUN
gp-336	42	27	.	.	PUNCT
gp-336	43	1	subthemes	subtheme	NOUN
gp-336	43	2	were	be	AUX
gp-336	43	3	refined	refine	VERB
gp-336	43	4	to	to	PART
gp-336	43	5	ensure	ensure	VERB
gp-336	43	6	clarity	clarity	NOUN
gp-336	43	7	and	and	CCONJ
gp-336	43	8	relevance	relevance	NOUN
gp-336	43	9	,	,	PUNCT
gp-336	43	10	for	for	ADP
gp-336	43	11	example	example	NOUN
gp-336	43	12	distinguishing	distinguish	VERB
gp-336	43	13	between	between	ADP
gp-336	43	14	automation	automation	NOUN
gp-336	43	15	tools	tool	NOUN
gp-336	43	16	(	(	PUNCT
gp-336	43	17	rpa	rpa	NOUN
gp-336	43	18	)	)	PUNCT
gp-336	43	19	and	and	CCONJ
gp-336	43	20	predictive	predictive	ADJ
gp-336	43	21	tools	tool	NOUN
gp-336	43	22	(	(	PUNCT
gp-336	43	23	ai	ai	NOUN
gp-336	43	24	)	)	PUNCT
gp-336	43	25	.	.	PUNCT
gp-336	44	1	3	3	X
gp-336	44	2	.	.	X
gp-336	44	3	synthesis	synthesis	NOUN
gp-336	44	4	:	:	PUNCT
gp-336	44	5	all	all	DET
gp-336	44	6	themes	theme	NOUN
gp-336	44	7	were	be	AUX
gp-336	44	8	integrated	integrate	VERB
gp-336	44	9	into	into	ADP
gp-336	44	10	a	a	DET
gp-336	44	11	unified	unified	ADJ
gp-336	44	12	narrative	narrative	NOUN
gp-336	44	13	,	,	PUNCT
gp-336	44	14	connecting	connect	VERB
gp-336	44	15	tools	tool	NOUN
gp-336	44	16	,	,	PUNCT
gp-336	44	17	trends	trend	NOUN
gp-336	44	18	,	,	PUNCT
gp-336	44	19	and	and	CCONJ
gp-336	44	20	challenges	challenge	NOUN
gp-336	44	21	to	to	PART
gp-336	44	22	provide	provide	VERB
gp-336	44	23	a	a	DET
gp-336	44	24	comprehensive	comprehensive	ADJ
gp-336	44	25	picture	picture	NOUN
gp-336	44	26	of	of	ADP
gp-336	44	27	the	the	DET
gp-336	44	28	influence	influence	NOUN
gp-336	44	29	of	of	ADP
gp-336	44	30	digitalisation	digitalisation	NOUN
gp-336	44	31	on	on	ADP
gp-336	44	32	financial	financial	ADJ
gp-336	44	33	planning	planning	NOUN
gp-336	44	34	.	.	PUNCT
gp-336	45	1	this	this	DET
gp-336	45	2	process	process	NOUN
gp-336	45	3	involved	involve	VERB
gp-336	45	4	comparing	compare	VERB
gp-336	45	5	findings	finding	NOUN
gp-336	45	6	to	to	PART
gp-336	45	7	identify	identify	VERB
gp-336	45	8	convergences	convergence	NOUN
gp-336	45	9	and	and	CCONJ
gp-336	45	10	divergences	divergence	NOUN
gp-336	45	11	across	across	ADP
gp-336	45	12	sources	source	NOUN
gp-336	45	13	(	(	PUNCT
gp-336	45	14	breuer	breuer	PROPN
gp-336	45	15	&	&	CCONJ
gp-336	45	16	knetsch	knetsch	PROPN
gp-336	45	17	,	,	PUNCT
gp-336	45	18	2023	2023	NUM
gp-336	45	19	)	)	PUNCT
gp-336	45	20	.	.	PUNCT
gp-336	46	1	digitalisation	digitalisation	NOUN
gp-336	46	2	in	in	ADP
gp-336	46	3	financial	financial	ADJ
gp-336	46	4	planning	planning	NOUN
gp-336	46	5	:	:	PUNCT
gp-336	46	6	tools	tool	NOUN
gp-336	46	7	and	and	CCONJ
gp-336	46	8	trends	trend	NOUN
gp-336	46	9	for	for	ADP
gp-336	46	10	modern	modern	ADJ
gp-336	46	11	financial	financial	ADJ
gp-336	46	12	managers	manager	NOUN
gp-336	46	13	1655	1655	NUM
gp-336	46	14	to	to	PART
gp-336	46	15	ensure	ensure	VERB
gp-336	46	16	rigour	rigour	NOUN
gp-336	46	17	,	,	PUNCT
gp-336	46	18	triangulation	triangulation	NOUN
gp-336	46	19	was	be	AUX
gp-336	46	20	applied	apply	VERB
gp-336	46	21	by	by	ADP
gp-336	46	22	comparing	compare	VERB
gp-336	46	23	results	result	NOUN
gp-336	46	24	across	across	ADP
gp-336	46	25	source	source	NOUN
gp-336	46	26	types	type	NOUN
gp-336	46	27	(	(	PUNCT
gp-336	46	28	e.g.	e.g.	ADV
gp-336	46	29	,	,	PUNCT
gp-336	46	30	academic	academic	ADJ
gp-336	46	31	journals	journal	NOUN
gp-336	46	32	and	and	CCONJ
gp-336	46	33	industry	industry	NOUN
gp-336	46	34	reports	report	NOUN
gp-336	46	35	)	)	PUNCT
gp-336	46	36	to	to	PART
gp-336	46	37	validate	validate	VERB
gp-336	46	38	findings	finding	NOUN
gp-336	46	39	.	.	PUNCT
gp-336	47	1	for	for	ADP
gp-336	47	2	instance	instance	NOUN
gp-336	47	3	,	,	PUNCT
gp-336	47	4	academic	academic	ADJ
gp-336	47	5	literature	literature	NOUN
gp-336	47	6	such	such	ADJ
gp-336	47	7	as	as	ADP
gp-336	47	8	nwoke	nwoke	NOUN
gp-336	47	9	(	(	PUNCT
gp-336	47	10	2024	2024	NUM
gp-336	47	11	)	)	PUNCT
gp-336	47	12	,	,	PUNCT
gp-336	47	13	which	which	PRON
gp-336	47	14	discusses	discuss	VERB
gp-336	47	15	blockchain	blockchain	NOUN
gp-336	47	16	prospects	prospect	NOUN
gp-336	47	17	,	,	PUNCT
gp-336	47	18	was	be	AUX
gp-336	47	19	compared	compare	VERB
gp-336	47	20	with	with	ADP
gp-336	47	21	industry	industry	NOUN
gp-336	47	22	insights	insight	NOUN
gp-336	47	23	such	such	ADJ
gp-336	47	24	as	as	ADP
gp-336	47	25	maddevs	maddevs	NOUN
gp-336	47	26	(	(	PUNCT
gp-336	47	27	n.d	n.d	PROPN
gp-336	47	28	.	.	PROPN
gp-336	47	29	)	)	PUNCT
gp-336	47	30	to	to	PART
gp-336	47	31	establish	establish	VERB
gp-336	47	32	a	a	DET
gp-336	47	33	balanced	balanced	ADJ
gp-336	47	34	perspective	perspective	NOUN
gp-336	47	35	.	.	PUNCT
gp-336	48	1	to	to	PART
gp-336	48	2	illustrate	illustrate	VERB
gp-336	48	3	the	the	DET
gp-336	48	4	relationships	relationship	NOUN
gp-336	48	5	and	and	CCONJ
gp-336	48	6	findings	finding	NOUN
gp-336	48	7	,	,	PUNCT
gp-336	48	8	a	a	DET
gp-336	48	9	figure	figure	NOUN
gp-336	48	10	was	be	AUX
gp-336	48	11	developed	develop	VERB
gp-336	48	12	to	to	PART
gp-336	48	13	summarize	summarize	VERB
gp-336	48	14	the	the	DET
gp-336	48	15	major	major	ADJ
gp-336	48	16	outcomes	outcome	NOUN
gp-336	48	17	of	of	ADP
gp-336	48	18	the	the	DET
gp-336	48	19	study	study	NOUN
gp-336	48	20	concerning	concern	VERB
gp-336	48	21	digital	digital	ADJ
gp-336	48	22	tools	tool	NOUN
gp-336	48	23	,	,	PUNCT
gp-336	48	24	trends	trend	NOUN
gp-336	48	25	,	,	PUNCT
gp-336	48	26	and	and	CCONJ
gp-336	48	27	their	their	PRON
gp-336	48	28	impacts	impact	NOUN
gp-336	48	29	.	.	PUNCT
gp-336	49	1	this	this	DET
gp-336	49	2	figure	figure	NOUN
gp-336	49	3	classifies	classify	VERB
gp-336	49	4	tools	tool	NOUN
gp-336	49	5	and	and	CCONJ
gp-336	49	6	trends	trend	NOUN
gp-336	49	7	according	accord	VERB
gp-336	49	8	to	to	ADP
gp-336	49	9	their	their	PRON
gp-336	49	10	contributions	contribution	NOUN
gp-336	49	11	to	to	ADP
gp-336	49	12	financial	financial	ADJ
gp-336	49	13	planning	planning	NOUN
gp-336	49	14	effectiveness	effectiveness	NOUN
gp-336	49	15	and	and	CCONJ
gp-336	49	16	strategic	strategic	ADJ
gp-336	49	17	decision	decision	NOUN
gp-336	49	18	-	-	PUNCT
gp-336	49	19	making	making	NOUN
gp-336	49	20	.	.	PUNCT
gp-336	50	1	additionally	additionally	ADV
gp-336	50	2	,	,	PUNCT
gp-336	50	3	a	a	DET
gp-336	50	4	table	table	NOUN
gp-336	50	5	was	be	AUX
gp-336	50	6	created	create	VERB
gp-336	50	7	to	to	PART
gp-336	50	8	outline	outline	VERB
gp-336	50	9	risks	risk	NOUN
gp-336	50	10	and	and	CCONJ
gp-336	50	11	corresponding	correspond	VERB
gp-336	50	12	prevention	prevention	NOUN
gp-336	50	13	measures	measure	NOUN
gp-336	50	14	,	,	PUNCT
gp-336	50	15	thereby	thereby	ADV
gp-336	50	16	providing	provide	VERB
gp-336	50	17	financial	financial	ADJ
gp-336	50	18	managers	manager	NOUN
gp-336	50	19	with	with	ADP
gp-336	50	20	a	a	DET
gp-336	50	21	practical	practical	ADJ
gp-336	50	22	framework	framework	NOUN
gp-336	50	23	.	.	PUNCT
gp-336	51	1	figure	figure	NOUN
gp-336	51	2	1	1	NUM
gp-336	51	3	.	.	PUNCT
gp-336	51	4	digital	digital	ADJ
gp-336	51	5	tools	tool	NOUN
gp-336	51	6	and	and	CCONJ
gp-336	51	7	trends	trend	NOUN
gp-336	51	8	in	in	ADP
gp-336	51	9	financial	financial	ADJ
gp-336	51	10	planning	planning	NOUN
gp-336	51	11	source	source	NOUN
gp-336	51	12	:	:	PUNCT
gp-336	51	13	synthesized	synthesize	VERB
gp-336	51	14	conceptual	conceptual	ADJ
gp-336	51	15	framework	framework	NOUN
gp-336	51	16	from	from	ADP
gp-336	51	17	systematic	systematic	ADJ
gp-336	51	18	literature	literature	PROPN
gp-336	51	19	review	review	PROPN
gp-336	51	20	,	,	PUNCT
gp-336	51	21	2025	2025	NUM
gp-336	51	22	table	table	NOUN
gp-336	51	23	2	2	NUM
gp-336	51	24	.	.	PUNCT
gp-336	51	25	challenges	challenge	NOUN
gp-336	51	26	and	and	CCONJ
gp-336	51	27	mitigation	mitigation	NOUN
gp-336	51	28	strategies	strategy	NOUN
gp-336	51	29	in	in	ADP
gp-336	51	30	digitalisation	digitalisation	NOUN
gp-336	51	31	challenge	challenge	NOUN
gp-336	51	32	description	description	NOUN
gp-336	51	33	mitigation	mitigation	NOUN
gp-336	51	34	strategy	strategy	NOUN
gp-336	51	35	high	high	ADJ
gp-336	51	36	implementation	implementation	NOUN
gp-336	51	37	costs	cost	VERB
gp-336	51	38	significant	significant	ADJ
gp-336	51	39	investment	investment	NOUN
gp-336	51	40	in	in	ADP
gp-336	51	41	infrastructure	infrastructure	NOUN
gp-336	51	42	and	and	CCONJ
gp-336	51	43	training	training	NOUN
gp-336	51	44	phased	phase	VERB
gp-336	51	45	adoption	adoption	NOUN
gp-336	51	46	,	,	PUNCT
gp-336	51	47	cloud	cloud	NOUN
gp-336	51	48	-	-	PUNCT
gp-336	51	49	based	base	VERB
gp-336	51	50	solutions	solution	NOUN
gp-336	51	51	employee	employee	NOUN
gp-336	51	52	resistance	resistance	NOUN
gp-336	51	53	reluctance	reluctance	NOUN
gp-336	51	54	to	to	PART
gp-336	51	55	adopt	adopt	VERB
gp-336	51	56	new	new	ADJ
gp-336	51	57	technologies	technology	NOUN
gp-336	51	58	change	change	VERB
gp-336	51	59	management	management	NOUN
gp-336	51	60	,	,	PUNCT
gp-336	51	61	upskilling	upskille	VERB
gp-336	51	62	programs	program	NOUN
gp-336	51	63	data	datum	NOUN
gp-336	51	64	privacy	privacy	NOUN
gp-336	51	65	risks	risk	NOUN
gp-336	51	66	increased	increase	VERB
gp-336	51	67	vulnerability	vulnerability	NOUN
gp-336	51	68	to	to	ADP
gp-336	51	69	cyberattacks	cyberattack	NOUN
gp-336	51	70	encryption	encryption	NOUN
gp-336	51	71	,	,	PUNCT
gp-336	51	72	gdpr	gdpr	NOUN
gp-336	51	73	compliance	compliance	NOUN
gp-336	51	74	over	over	ADP
gp-336	51	75	-	-	PUNCT
gp-336	51	76	reliance	reliance	NOUN
gp-336	51	77	on	on	ADP
gp-336	51	78	automation	automation	NOUN
gp-336	51	79	reduced	reduce	VERB
gp-336	51	80	human	human	ADJ
gp-336	51	81	oversight	oversight	NOUN
gp-336	51	82	in	in	ADP
gp-336	51	83	decision	decision	NOUN
gp-336	51	84	-	-	PUNCT
gp-336	51	85	making	make	VERB
gp-336	51	86	hybrid	hybrid	ADJ
gp-336	51	87	approaches	approach	NOUN
gp-336	51	88	combining	combine	VERB
gp-336	51	89	ai	ai	INTJ
gp-336	51	90	and	and	CCONJ
gp-336	51	91	human	human	ADJ
gp-336	51	92	judgment	judgment	NOUN
gp-336	51	93	source	source	NOUN
gp-336	51	94	:	:	PUNCT
gp-336	51	95	synthesized	synthesize	VERB
gp-336	51	96	from	from	ADP
gp-336	51	97	literature	literature	NOUN
gp-336	51	98	review	review	NOUN
gp-336	51	99	findings	finding	NOUN
gp-336	51	100	,	,	PUNCT
gp-336	51	101	2025	2025	NUM
gp-336	51	102	the	the	DET
gp-336	51	103	research	research	NOUN
gp-336	51	104	methodology	methodology	NOUN
gp-336	51	105	provided	provide	VERB
gp-336	51	106	a	a	DET
gp-336	51	107	clear	clear	ADJ
gp-336	51	108	picture	picture	NOUN
gp-336	51	109	of	of	ADP
gp-336	51	110	ethics	ethic	NOUN
gp-336	51	111	in	in	ADP
gp-336	51	112	research	research	NOUN
gp-336	51	113	because	because	SCONJ
gp-336	51	114	it	it	PRON
gp-336	51	115	relied	rely	VERB
gp-336	51	116	only	only	ADV
gp-336	51	117	on	on	ADP
gp-336	51	118	available	available	ADJ
gp-336	51	119	sources	source	NOUN
gp-336	51	120	and	and	CCONJ
gp-336	51	121	ruled	rule	VERB
gp-336	51	122	out	out	ADP
gp-336	51	123	any	any	DET
gp-336	51	124	form	form	NOUN
gp-336	51	125	of	of	ADP
gp-336	51	126	misrepresentation	misrepresentation	NOUN
gp-336	51	127	.	.	PUNCT
gp-336	52	1	the	the	DET
gp-336	52	2	list	list	NOUN
gp-336	52	3	of	of	ADP
gp-336	52	4	sources	source	NOUN
gp-336	52	5	was	be	AUX
gp-336	52	6	properly	properly	ADV
gp-336	52	7	mentioned	mention	VERB
gp-336	52	8	to	to	PART
gp-336	52	9	credit	credit	VERB
gp-336	52	10	the	the	DET
gp-336	52	11	original	original	ADJ
gp-336	52	12	authors	author	NOUN
gp-336	52	13	,	,	PUNCT
gp-336	52	14	and	and	CCONJ
gp-336	52	15	no	no	DET
gp-336	52	16	data	datum	NOUN
gp-336	52	17	were	be	AUX
gp-336	52	18	distorted	distort	VERB
gp-336	52	19	or	or	CCONJ
gp-336	52	20	falsified	falsified	ADJ
gp-336	52	21	(	(	PUNCT
gp-336	52	22	thottoli	thottoli	PROPN
gp-336	52	23	american	american	PROPN
gp-336	52	24	journal	journal	PROPN
gp-336	52	25	of	of	ADP
gp-336	52	26	economic	economic	ADJ
gp-336	52	27	and	and	CCONJ
gp-336	52	28	management	management	NOUN
gp-336	52	29	business	business	NOUN
gp-336	52	30	vol	vol	NOUN
gp-336	52	31	.	.	PROPN
gp-336	53	1	4	4	NUM
gp-336	53	2	no	no	NOUN
gp-336	53	3	.	.	PUNCT
gp-336	54	1	10	10	NUM
gp-336	54	2	october	october	PROPN
gp-336	54	3	2025	2025	NUM
gp-336	54	4	1656	1656	NUM
gp-336	54	5	et	et	PROPN
gp-336	54	6	al	al	PROPN
gp-336	54	7	.	.	PROPN
gp-336	54	8	,	,	PUNCT
gp-336	54	9	2023	2023	NUM
gp-336	54	10	)	)	PUNCT
gp-336	54	11	.	.	PUNCT
gp-336	55	1	the	the	DET
gp-336	55	2	use	use	NOUN
gp-336	55	3	of	of	ADP
gp-336	55	4	secondary	secondary	ADJ
gp-336	55	5	data	datum	NOUN
gp-336	55	6	meant	mean	VERB
gp-336	55	7	that	that	SCONJ
gp-336	55	8	no	no	DET
gp-336	55	9	human	human	ADJ
gp-336	55	10	participants	participant	NOUN
gp-336	55	11	were	be	AUX
gp-336	55	12	involved	involve	VERB
gp-336	55	13	,	,	PUNCT
gp-336	55	14	thus	thus	ADV
gp-336	55	15	avoiding	avoid	VERB
gp-336	55	16	ethical	ethical	ADJ
gp-336	55	17	concerns	concern	NOUN
gp-336	55	18	related	relate	VERB
gp-336	55	19	to	to	PART
gp-336	55	20	consent	consent	VERB
gp-336	55	21	or	or	CCONJ
gp-336	55	22	confidentiality	confidentiality	NOUN
gp-336	55	23	.	.	PUNCT
gp-336	56	1	the	the	DET
gp-336	56	2	approach	approach	NOUN
gp-336	56	3	was	be	AUX
gp-336	56	4	limited	limit	VERB
gp-336	56	5	in	in	ADP
gp-336	56	6	nature	nature	NOUN
gp-336	56	7	.	.	PUNCT
gp-336	57	1	the	the	DET
gp-336	57	2	range	range	NOUN
gp-336	57	3	of	of	ADP
gp-336	57	4	sources	source	NOUN
gp-336	57	5	consulted	consult	VERB
gp-336	57	6	was	be	AUX
gp-336	57	7	relatively	relatively	ADV
gp-336	57	8	narrow	narrow	ADJ
gp-336	57	9	,	,	PUNCT
gp-336	57	10	as	as	SCONJ
gp-336	57	11	information	information	NOUN
gp-336	57	12	from	from	ADP
gp-336	57	13	other	other	ADJ
gp-336	57	14	available	available	ADJ
gp-336	57	15	studies	study	NOUN
gp-336	57	16	was	be	AUX
gp-336	57	17	not	not	PART
gp-336	57	18	included	include	VERB
gp-336	57	19	.	.	PUNCT
gp-336	58	1	in	in	ADP
gp-336	58	2	addition	addition	NOUN
gp-336	58	3	,	,	PUNCT
gp-336	58	4	the	the	DET
gp-336	58	5	thematic	thematic	ADJ
gp-336	58	6	analysis	analysis	NOUN
gp-336	58	7	was	be	AUX
gp-336	58	8	conducted	conduct	VERB
gp-336	58	9	qualitatively	qualitatively	ADV
gp-336	58	10	,	,	PUNCT
gp-336	58	11	which	which	PRON
gp-336	58	12	introduced	introduce	VERB
gp-336	58	13	potential	potential	ADJ
gp-336	58	14	subjectivity	subjectivity	NOUN
gp-336	58	15	;	;	PUNCT
gp-336	58	16	however	however	ADV
gp-336	58	17	,	,	PUNCT
gp-336	58	18	triangulation	triangulation	NOUN
gp-336	58	19	and	and	CCONJ
gp-336	58	20	systematic	systematic	ADJ
gp-336	58	21	coding	coding	NOUN
gp-336	58	22	helped	help	VERB
gp-336	58	23	to	to	PART
gp-336	58	24	maximize	maximize	VERB
gp-336	58	25	objectivity	objectivity	NOUN
gp-336	58	26	(	(	PUNCT
gp-336	58	27	fahndrich	fahndrich	NOUN
gp-336	58	28	,	,	PUNCT
gp-336	58	29	2023	2023	NUM
gp-336	58	30	)	)	PUNCT
gp-336	58	31	.	.	PUNCT
gp-336	59	1	finally	finally	ADV
gp-336	59	2	,	,	PUNCT
gp-336	59	3	the	the	DET
gp-336	59	4	focus	focus	NOUN
gp-336	59	5	on	on	ADP
gp-336	59	6	studies	study	NOUN
gp-336	59	7	published	publish	VERB
gp-336	59	8	between	between	ADP
gp-336	59	9	2020	2020	NUM
gp-336	59	10	and	and	CCONJ
gp-336	59	11	2025	2025	NUM
gp-336	59	12	ensured	ensure	VERB
gp-336	59	13	relevance	relevance	NOUN
gp-336	59	14	,	,	PUNCT
gp-336	59	15	but	but	CCONJ
gp-336	59	16	the	the	DET
gp-336	59	17	exclusion	exclusion	NOUN
gp-336	59	18	of	of	ADP
gp-336	59	19	earlier	early	ADJ
gp-336	59	20	works	work	NOUN
gp-336	59	21	may	may	AUX
gp-336	59	22	have	have	AUX
gp-336	59	23	restricted	restrict	VERB
gp-336	59	24	the	the	DET
gp-336	59	25	scope	scope	NOUN
gp-336	59	26	of	of	ADP
gp-336	59	27	the	the	DET
gp-336	59	28	findings	finding	NOUN
gp-336	59	29	.	.	PUNCT
gp-336	60	1	result	result	NOUN
gp-336	60	2	and	and	CCONJ
gp-336	60	3	discussion	discussion	VERB
gp-336	60	4	the	the	DET
gp-336	60	5	list	list	NOUN
gp-336	60	6	of	of	ADP
gp-336	60	7	the	the	DET
gp-336	60	8	systematic	systematic	ADJ
gp-336	60	9	literature	literature	PROPN
gp-336	60	10	review	review	NOUN
gp-336	60	11	shows	show	VERB
gp-336	60	12	that	that	SCONJ
gp-336	60	13	digitalisation	digitalisation	NOUN
gp-336	60	14	affects	affect	VERB
gp-336	60	15	financial	financial	ADJ
gp-336	60	16	planning	planning	NOUN
gp-336	60	17	significantly	significantly	ADV
gp-336	60	18	,	,	PUNCT
gp-336	60	19	and	and	CCONJ
gp-336	60	20	the	the	DET
gp-336	60	21	use	use	NOUN
gp-336	60	22	of	of	ADP
gp-336	60	23	digital	digital	ADJ
gp-336	60	24	tools	tool	NOUN
gp-336	60	25	and	and	CCONJ
gp-336	60	26	new	new	ADJ
gp-336	60	27	tendencies	tendency	NOUN
gp-336	60	28	make	make	VERB
gp-336	60	29	it	it	PRON
gp-336	60	30	possible	possible	ADJ
gp-336	60	31	to	to	PART
gp-336	60	32	promote	promote	VERB
gp-336	60	33	highlevel	highlevel	ADJ
gp-336	60	34	advancements	advancement	NOUN
gp-336	60	35	in	in	ADP
gp-336	60	36	efficiency	efficiency	NOUN
gp-336	60	37	,	,	PUNCT
gp-336	60	38	precision	precision	NOUN
gp-336	60	39	,	,	PUNCT
gp-336	60	40	and	and	CCONJ
gp-336	60	41	strategic	strategic	ADJ
gp-336	60	42	decision	decision	NOUN
gp-336	60	43	-	-	PUNCT
gp-336	60	44	making	making	NOUN
gp-336	60	45	.	.	PUNCT
gp-336	61	1	the	the	DET
gp-336	61	2	results	result	NOUN
gp-336	61	3	are	be	AUX
gp-336	61	4	structured	structure	VERB
gp-336	61	5	into	into	ADP
gp-336	61	6	three	three	NUM
gp-336	61	7	critical	critical	ADJ
gp-336	61	8	areas	area	NOUN
gp-336	61	9	:	:	PUNCT
gp-336	62	1	1	1	X
gp-336	62	2	.	.	X
gp-336	62	3	the	the	DET
gp-336	62	4	contribution	contribution	NOUN
gp-336	62	5	of	of	ADP
gp-336	62	6	digital	digital	ADJ
gp-336	62	7	tools	tool	NOUN
gp-336	62	8	in	in	ADP
gp-336	62	9	improving	improve	VERB
gp-336	62	10	financial	financial	ADJ
gp-336	62	11	planning	planning	NOUN
gp-336	62	12	2	2	NUM
gp-336	62	13	.	.	PUNCT
gp-336	62	14	important	important	ADJ
gp-336	62	15	trends	trend	NOUN
gp-336	62	16	that	that	PRON
gp-336	62	17	define	define	VERB
gp-336	62	18	the	the	DET
gp-336	62	19	future	future	NOUN
gp-336	62	20	of	of	ADP
gp-336	62	21	financial	financial	ADJ
gp-336	62	22	planning	planning	NOUN
gp-336	62	23	and	and	CCONJ
gp-336	62	24	analysis	analysis	NOUN
gp-336	62	25	(	(	PUNCT
gp-336	62	26	fp&a	fp&a	PROPN
gp-336	62	27	)	)	PUNCT
gp-336	62	28	3	3	NUM
gp-336	62	29	.	.	PUNCT
gp-336	63	1	the	the	DET
gp-336	63	2	issue	issue	NOUN
gp-336	63	3	of	of	ADP
gp-336	63	4	digital	digital	ADJ
gp-336	63	5	adoption	adoption	NOUN
gp-336	63	6	.	.	PUNCT
gp-336	64	1	these	these	DET
gp-336	64	2	findings	finding	NOUN
gp-336	64	3	,	,	PUNCT
gp-336	64	4	synthesised	synthesise	VERB
gp-336	64	5	with	with	ADP
gp-336	64	6	the	the	DET
gp-336	64	7	help	help	NOUN
gp-336	64	8	of	of	ADP
gp-336	64	9	the	the	DET
gp-336	64	10	given	give	VERB
gp-336	64	11	sources	source	NOUN
gp-336	64	12	,	,	PUNCT
gp-336	64	13	give	give	VERB
gp-336	64	14	a	a	DET
gp-336	64	15	clear	clear	ADJ
gp-336	64	16	picture	picture	NOUN
gp-336	64	17	in	in	ADP
gp-336	64	18	the	the	DET
gp-336	64	19	matter	matter	NOUN
gp-336	64	20	of	of	ADP
gp-336	64	21	how	how	SCONJ
gp-336	64	22	financial	financial	ADJ
gp-336	64	23	managers	manager	NOUN
gp-336	64	24	can	can	AUX
gp-336	64	25	use	use	VERB
gp-336	64	26	digitalisation	digitalisation	NOUN
gp-336	64	27	but	but	CCONJ
gp-336	64	28	take	take	VERB
gp-336	64	29	its	its	PRON
gp-336	64	30	complexity	complexity	NOUN
gp-336	64	31	into	into	ADP
gp-336	64	32	consideration	consideration	NOUN
gp-336	64	33	.	.	PUNCT
gp-336	65	1	forecasts	forecast	NOUN
gp-336	65	2	and	and	CCONJ
gp-336	65	3	insights	insight	NOUN
gp-336	65	4	on	on	ADP
gp-336	65	5	digital	digital	ADJ
gp-336	65	6	tools	tool	NOUN
gp-336	65	7	for	for	ADP
gp-336	65	8	financial	financial	ADJ
gp-336	65	9	planning	planning	NOUN
gp-336	65	10	the	the	DET
gp-336	65	11	analysis	analysis	NOUN
gp-336	65	12	ranks	rank	VERB
gp-336	65	13	several	several	ADJ
gp-336	65	14	digital	digital	ADJ
gp-336	65	15	tools	tool	NOUN
gp-336	65	16	to	to	PART
gp-336	65	17	be	be	AUX
gp-336	65	18	critical	critical	ADJ
gp-336	65	19	towards	towards	ADP
gp-336	65	20	changing	change	VERB
gp-336	65	21	the	the	DET
gp-336	65	22	process	process	NOUN
gp-336	65	23	of	of	ADP
gp-336	65	24	financial	financial	ADJ
gp-336	65	25	planning	planning	NOUN
gp-336	65	26	.	.	PUNCT
gp-336	66	1	due	due	ADP
gp-336	66	2	to	to	ADP
gp-336	66	3	the	the	DET
gp-336	66	4	possibility	possibility	NOUN
gp-336	66	5	of	of	ADP
gp-336	66	6	delivering	deliver	VERB
gp-336	66	7	real	real	ADJ
gp-336	66	8	-	-	PUNCT
gp-336	66	9	time	time	NOUN
gp-336	66	10	data	datum	NOUN
gp-336	66	11	access	access	NOUN
gp-336	66	12	and	and	CCONJ
gp-336	66	13	enabling	enable	VERB
gp-336	66	14	effective	effective	ADJ
gp-336	66	15	collaboration	collaboration	NOUN
gp-336	66	16	between	between	ADP
gp-336	66	17	teams	team	NOUN
gp-336	66	18	,	,	PUNCT
gp-336	66	19	cloud	cloud	NOUN
gp-336	66	20	-	-	PUNCT
gp-336	66	21	based	base	VERB
gp-336	66	22	platforms	platform	NOUN
gp-336	66	23	are	be	AUX
gp-336	66	24	widely	widely	ADV
gp-336	66	25	used	use	VERB
gp-336	66	26	(	(	PUNCT
gp-336	66	27	avira	avira	PROPN
gp-336	66	28	et	et	PROPN
gp-336	66	29	al	al	PROPN
gp-336	66	30	.	.	PROPN
gp-336	66	31	,	,	PUNCT
gp-336	66	32	2023	2023	NUM
gp-336	66	33	)	)	PUNCT
gp-336	66	34	.	.	PUNCT
gp-336	67	1	data	datum	NOUN
gp-336	67	2	is	be	AUX
gp-336	67	3	centralised	centralise	VERB
gp-336	67	4	on	on	ADP
gp-336	67	5	these	these	DET
gp-336	67	6	platforms	platform	NOUN
gp-336	67	7	,	,	PUNCT
gp-336	67	8	which	which	PRON
gp-336	67	9	helps	help	VERB
gp-336	67	10	in	in	ADP
gp-336	67	11	reducing	reduce	VERB
gp-336	67	12	manual	manual	ADJ
gp-336	67	13	errors	error	NOUN
gp-336	67	14	because	because	SCONJ
gp-336	67	15	financial	financial	ADJ
gp-336	67	16	managers	manager	NOUN
gp-336	67	17	are	be	AUX
gp-336	67	18	able	able	ADJ
gp-336	67	19	to	to	PART
gp-336	67	20	make	make	VERB
gp-336	67	21	accurate	accurate	ADJ
gp-336	67	22	forecasts	forecast	NOUN
gp-336	67	23	and	and	CCONJ
gp-336	67	24	make	make	VERB
gp-336	67	25	quick	quick	ADJ
gp-336	67	26	decisions	decision	NOUN
gp-336	67	27	to	to	ADP
gp-336	67	28	changes	change	NOUN
gp-336	67	29	in	in	ADP
gp-336	67	30	the	the	DET
gp-336	67	31	market	market	NOUN
gp-336	67	32	.	.	PUNCT
gp-336	68	1	as	as	ADP
gp-336	68	2	an	an	DET
gp-336	68	3	illustration	illustration	NOUN
gp-336	68	4	,	,	PUNCT
gp-336	68	5	cloud	cloud	NOUN
gp-336	68	6	applications	application	NOUN
gp-336	68	7	such	such	ADJ
gp-336	68	8	as	as	ADP
gp-336	68	9	microsoft	microsoft	PROPN
gp-336	68	10	azure	azure	PROPN
gp-336	68	11	and	and	CCONJ
gp-336	68	12	amazon	amazon	NOUN
gp-336	68	13	web	web	NOUN
gp-336	68	14	services	service	NOUN
gp-336	68	15	facilitate	facilitate	VERB
gp-336	68	16	the	the	DET
gp-336	68	17	ability	ability	NOUN
gp-336	68	18	to	to	PART
gp-336	68	19	increase	increase	VERB
gp-336	68	20	and	and	CCONJ
gp-336	68	21	decrease	decrease	VERB
gp-336	68	22	data	datum	NOUN
gp-336	68	23	processing	processing	NOUN
gp-336	68	24	,	,	PUNCT
gp-336	68	25	which	which	PRON
gp-336	68	26	builds	build	VERB
gp-336	68	27	agility	agility	NOUN
gp-336	68	28	in	in	ADP
gp-336	68	29	financial	financial	ADJ
gp-336	68	30	processes	process	NOUN
gp-336	68	31	.	.	PUNCT
gp-336	69	1	the	the	DET
gp-336	69	2	erp	erp	PROPN
gp-336	69	3	systems	systems	PROPN
gp-336	69	4	(	(	PUNCT
gp-336	69	5	sap	sap	PROPN
gp-336	69	6	and	and	CCONJ
gp-336	69	7	oracle	oracle	PROPN
gp-336	69	8	)	)	PUNCT
gp-336	69	9	are	be	AUX
gp-336	69	10	used	use	VERB
gp-336	69	11	to	to	PART
gp-336	69	12	combine	combine	VERB
gp-336	69	13	financial	financial	ADJ
gp-336	69	14	data	datum	NOUN
gp-336	69	15	and	and	CCONJ
gp-336	69	16	integrate	integrate	VERB
gp-336	69	17	it	it	PRON
gp-336	69	18	with	with	ADP
gp-336	69	19	other	other	ADJ
gp-336	69	20	organisational	organisational	ADJ
gp-336	69	21	business	business	NOUN
gp-336	69	22	functions	function	NOUN
gp-336	69	23	,	,	PUNCT
gp-336	69	24	and	and	CCONJ
gp-336	69	25	deliver	deliver	VERB
gp-336	69	26	a	a	DET
gp-336	69	27	single	single	ADJ
gp-336	69	28	perspective	perspective	NOUN
gp-336	69	29	of	of	ADP
gp-336	69	30	organisational	organisational	ADJ
gp-336	69	31	performance	performance	NOUN
gp-336	69	32	(	(	PUNCT
gp-336	69	33	breuer	breuer	PROPN
gp-336	69	34	&	&	CCONJ
gp-336	69	35	knetsch	knetsch	PROPN
gp-336	69	36	,	,	PUNCT
gp-336	69	37	2023	2023	NUM
gp-336	69	38	)	)	PUNCT
gp-336	69	39	.	.	PUNCT
gp-336	70	1	the	the	DET
gp-336	70	2	review	review	NOUN
gp-336	70	3	identifies	identify	VERB
gp-336	70	4	that	that	SCONJ
gp-336	70	5	the	the	DET
gp-336	70	6	functions	function	NOUN
gp-336	70	7	achieved	achieve	VERB
gp-336	70	8	through	through	ADP
gp-336	70	9	erp	erp	PROPN
gp-336	70	10	systems	system	NOUN
gp-336	70	11	allow	allow	VERB
gp-336	70	12	fp&a	fp&a	PROPN
gp-336	70	13	teams	team	NOUN
gp-336	70	14	to	to	PART
gp-336	70	15	undertake	undertake	VERB
gp-336	70	16	holistic	holistic	ADJ
gp-336	70	17	scenario	scenario	NOUN
gp-336	70	18	analysis	analysis	NOUN
gp-336	70	19	,	,	PUNCT
gp-336	70	20	which	which	PRON
gp-336	70	21	enhances	enhance	VERB
gp-336	70	22	strategic	strategic	ADJ
gp-336	70	23	decision	decision	NOUN
gp-336	70	24	-	-	PUNCT
gp-336	70	25	making	making	NOUN
gp-336	70	26	(	(	PUNCT
gp-336	70	27	the	the	DET
gp-336	70	28	impact	impact	NOUN
gp-336	70	29	of	of	ADP
gp-336	70	30	digital	digital	ADJ
gp-336	70	31	transformation	transformation	NOUN
gp-336	70	32	on	on	ADP
gp-336	70	33	fp&a	fp&a	PROPN
gp-336	70	34	,	,	PUNCT
gp-336	70	35	n.d	n.d	PROPN
gp-336	70	36	.	.	PROPN
gp-336	70	37	)	)	PUNCT
gp-336	70	38	.	.	PUNCT
gp-336	71	1	this	this	DET
gp-336	71	2	interrelation	interrelation	NOUN
gp-336	71	3	is	be	AUX
gp-336	71	4	especially	especially	ADV
gp-336	71	5	useful	useful	ADJ
gp-336	71	6	to	to	ADP
gp-336	71	7	big	big	ADJ
gp-336	71	8	organisations	organisation	NOUN
gp-336	71	9	that	that	PRON
gp-336	71	10	deal	deal	VERB
gp-336	71	11	with	with	ADP
gp-336	71	12	complicated	complicated	ADJ
gp-336	71	13	data	datum	NOUN
gp-336	71	14	.	.	PUNCT
gp-336	72	1	robot	robot	NOUN
gp-336	72	2	process	process	NOUN
gp-336	72	3	automation	automation	NOUN
gp-336	72	4	(	(	PUNCT
gp-336	72	5	rpa	rpa	PROPN
gp-336	72	6	)	)	PUNCT
gp-336	72	7	is	be	AUX
gp-336	72	8	the	the	DET
gp-336	72	9	next	next	ADJ
gp-336	72	10	essential	essential	ADJ
gp-336	72	11	tool	tool	NOUN
gp-336	72	12	that	that	PRON
gp-336	72	13	allows	allow	VERB
gp-336	72	14	repetitive	repetitive	ADJ
gp-336	72	15	work	work	NOUN
gp-336	72	16	to	to	PART
gp-336	72	17	be	be	AUX
gp-336	72	18	automated	automate	VERB
gp-336	72	19	,	,	PUNCT
gp-336	72	20	including	include	VERB
gp-336	72	21	invoice	invoice	NOUN
gp-336	72	22	processing	processing	NOUN
gp-336	72	23	,	,	PUNCT
gp-336	72	24	budget	budget	NOUN
gp-336	72	25	reconciliation	reconciliation	NOUN
gp-336	72	26	,	,	PUNCT
gp-336	72	27	and	and	CCONJ
gp-336	72	28	so	so	ADV
gp-336	72	29	on	on	ADV
gp-336	72	30	(	(	PUNCT
gp-336	72	31	werth	werth	PROPN
gp-336	72	32	et	et	PROPN
gp-336	72	33	al	al	PROPN
gp-336	72	34	.	.	PROPN
gp-336	72	35	,	,	PUNCT
gp-336	72	36	2020	2020	NUM
gp-336	72	37	)	)	PUNCT
gp-336	72	38	.	.	PUNCT
gp-336	73	1	the	the	DET
gp-336	73	2	findings	finding	NOUN
gp-336	73	3	show	show	VERB
gp-336	73	4	that	that	SCONJ
gp-336	73	5	rpa	rpa	PROPN
gp-336	73	6	can	can	AUX
gp-336	73	7	lower	lower	VERB
gp-336	73	8	operational	operational	ADJ
gp-336	73	9	expenses	expense	NOUN
gp-336	73	10	and	and	CCONJ
gp-336	73	11	garner	garner	NOUN
gp-336	73	12	time	time	NOUN
gp-336	73	13	so	so	SCONJ
gp-336	73	14	that	that	SCONJ
gp-336	73	15	the	the	DET
gp-336	73	16	financial	financial	ADJ
gp-336	73	17	managers	manager	NOUN
gp-336	73	18	can	can	AUX
gp-336	73	19	concentrate	concentrate	VERB
gp-336	73	20	on	on	ADP
gp-336	73	21	vital	vital	ADJ
gp-336	73	22	strategic	strategic	ADJ
gp-336	73	23	operations	operation	NOUN
gp-336	73	24	,	,	PUNCT
gp-336	73	25	and	and	CCONJ
gp-336	73	26	it	it	PRON
gp-336	73	27	has	have	AUX
gp-336	73	28	reportedly	reportedly	ADV
gp-336	73	29	led	lead	VERB
gp-336	73	30	to	to	ADP
gp-336	73	31	an	an	DET
gp-336	73	32	efficiency	efficiency	NOUN
gp-336	73	33	of	of	ADP
gp-336	73	34	up	up	ADP
gp-336	73	35	to	to	PART
gp-336	73	36	30	30	NUM
gp-336	73	37	%	%	NOUN
gp-336	73	38	in	in	ADP
gp-336	73	39	certain	certain	ADJ
gp-336	73	40	situations	situation	NOUN
gp-336	73	41	(	(	PUNCT
gp-336	73	42	breuer	breuer	PROPN
gp-336	73	43	&	&	CCONJ
gp-336	73	44	knetsch	knetsch	PROPN
gp-336	73	45	,	,	PUNCT
gp-336	73	46	2023	2023	NUM
gp-336	73	47	)	)	PUNCT
gp-336	73	48	.	.	PUNCT
gp-336	74	1	digitalisation	digitalisation	NOUN
gp-336	74	2	in	in	ADP
gp-336	74	3	financial	financial	ADJ
gp-336	74	4	planning	planning	NOUN
gp-336	74	5	:	:	PUNCT
gp-336	74	6	tools	tool	NOUN
gp-336	74	7	and	and	CCONJ
gp-336	74	8	trends	trend	NOUN
gp-336	74	9	for	for	ADP
gp-336	74	10	modern	modern	ADJ
gp-336	74	11	financial	financial	ADJ
gp-336	74	12	managers	manager	NOUN
gp-336	74	13	1657	1657	NUM
gp-336	74	14	the	the	DET
gp-336	74	15	use	use	NOUN
gp-336	74	16	of	of	ADP
gp-336	74	17	artificial	artificial	ADJ
gp-336	74	18	intelligence	intelligence	NOUN
gp-336	74	19	(	(	PUNCT
gp-336	74	20	ai	ai	NOUN
gp-336	74	21	)	)	PUNCT
gp-336	74	22	and	and	CCONJ
gp-336	74	23	highly	highly	ADV
gp-336	74	24	developed	develop	VERB
gp-336	74	25	analytics	analytic	NOUN
gp-336	74	26	turns	turn	VERB
gp-336	74	27	out	out	ADP
gp-336	74	28	to	to	PART
gp-336	74	29	be	be	AUX
gp-336	74	30	a	a	DET
gp-336	74	31	transformational	transformational	ADJ
gp-336	74	32	factor	factor	NOUN
gp-336	74	33	that	that	PRON
gp-336	74	34	helps	help	VERB
gp-336	74	35	to	to	PART
gp-336	74	36	conduct	conduct	VERB
gp-336	74	37	predictive	predictive	ADJ
gp-336	74	38	modelling	modelling	NOUN
gp-336	74	39	and	and	CCONJ
gp-336	74	40	analytics	analytic	NOUN
gp-336	74	41	of	of	ADP
gp-336	74	42	risks	risk	NOUN
gp-336	74	43	(	(	PUNCT
gp-336	74	44	chlouverakis	chlouverakis	NOUN
gp-336	74	45	&	&	CCONJ
gp-336	74	46	rawal	rawal	PROPN
gp-336	74	47	,	,	PUNCT
gp-336	74	48	2024	2024	NUM
gp-336	74	49	)	)	PUNCT
gp-336	74	50	.	.	PUNCT
gp-336	75	1	such	such	ADJ
gp-336	75	2	tools	tool	NOUN
gp-336	75	3	as	as	ADP
gp-336	75	4	ibm	ibm	PROPN
gp-336	75	5	watson	watson	PROPN
gp-336	75	6	or	or	CCONJ
gp-336	75	7	microsoft	microsoft	PROPN
gp-336	75	8	power	power	PROPN
gp-336	75	9	bi	bi	PROPN
gp-336	75	10	can	can	AUX
gp-336	75	11	be	be	AUX
gp-336	75	12	based	base	VERB
gp-336	75	13	on	on	ADP
gp-336	75	14	machine	machine	NOUN
gp-336	75	15	learning	learn	VERB
gp-336	75	16	to	to	PART
gp-336	75	17	support	support	VERB
gp-336	75	18	long	long	ADJ
gp-336	75	19	-	-	PUNCT
gp-336	75	20	term	term	NOUN
gp-336	75	21	financial	financial	ADJ
gp-336	75	22	planning	planning	NOUN
gp-336	75	23	by	by	ADP
gp-336	75	24	analysing	analyse	VERB
gp-336	75	25	past	past	ADJ
gp-336	75	26	data	datum	NOUN
gp-336	75	27	and	and	CCONJ
gp-336	75	28	predicting	predict	VERB
gp-336	75	29	market	market	NOUN
gp-336	75	30	trends	trend	NOUN
gp-336	75	31	to	to	PART
gp-336	75	32	develop	develop	VERB
gp-336	75	33	more	more	ADV
gp-336	75	34	accurate	accurate	ADJ
gp-336	75	35	plans	plan	NOUN
gp-336	75	36	(	(	PUNCT
gp-336	75	37	gurumurthy	gurumurthy	ADJ
gp-336	75	38	et	et	PROPN
gp-336	75	39	al	al	PROPN
gp-336	75	40	.	.	PROPN
gp-336	75	41	,	,	PUNCT
gp-336	75	42	2020	2020	NUM
gp-336	75	43	)	)	PUNCT
gp-336	75	44	.	.	PUNCT
gp-336	76	1	the	the	DET
gp-336	76	2	review	review	NOUN
gp-336	76	3	summarises	summarise	VERB
gp-336	76	4	that	that	SCONJ
gp-336	76	5	analytics	analytic	NOUN
gp-336	76	6	based	base	VERB
gp-336	76	7	on	on	ADP
gp-336	76	8	ai	ai	NOUN
gp-336	76	9	has	have	VERB
gp-336	76	10	the	the	DET
gp-336	76	11	potential	potential	NOUN
gp-336	76	12	to	to	PART
gp-336	76	13	manage	manage	VERB
gp-336	76	14	the	the	DET
gp-336	76	15	issues	issue	NOUN
gp-336	76	16	concerning	concern	VERB
gp-336	76	17	possible	possible	ADJ
gp-336	76	18	cash	cash	NOUN
gp-336	76	19	flow	flow	NOUN
gp-336	76	20	dilemmas	dilemma	NOUN
gp-336	76	21	before	before	SCONJ
gp-336	76	22	they	they	PRON
gp-336	76	23	go	go	VERB
gp-336	76	24	bad	bad	ADJ
gp-336	76	25	,	,	PUNCT
gp-336	76	26	and	and	CCONJ
gp-336	76	27	in	in	ADP
gp-336	76	28	turn	turn	NOUN
gp-336	76	29	increase	increase	VERB
gp-336	76	30	financial	financial	ADJ
gp-336	76	31	resilience	resilience	NOUN
gp-336	76	32	.	.	PUNCT
gp-336	77	1	table	table	NOUN
gp-336	77	2	3	3	NUM
gp-336	77	3	.	.	PUNCT
gp-336	78	1	impact	impact	NOUN
gp-336	78	2	of	of	ADP
gp-336	78	3	digital	digital	ADJ
gp-336	78	4	tools	tool	NOUN
gp-336	78	5	on	on	ADP
gp-336	78	6	financial	financial	ADJ
gp-336	78	7	planning	planning	NOUN
gp-336	78	8	tool	tool	NOUN
gp-336	78	9	function	function	NOUN
gp-336	78	10	impact	impact	NOUN
gp-336	78	11	cloud	cloud	NOUN
gp-336	78	12	computing	compute	VERB
gp-336	78	13	real	real	ADJ
gp-336	78	14	-	-	PUNCT
gp-336	78	15	time	time	NOUN
gp-336	78	16	data	datum	NOUN
gp-336	78	17	access	access	NOUN
gp-336	78	18	and	and	CCONJ
gp-336	78	19	collaboration	collaboration	NOUN
gp-336	78	20	reduces	reduce	VERB
gp-336	78	21	errors	error	NOUN
gp-336	78	22	,	,	PUNCT
gp-336	78	23	enhances	enhance	VERB
gp-336	78	24	forecasting	forecasting	NOUN
gp-336	78	25	accuracy	accuracy	NOUN
gp-336	78	26	erp	erp	PROPN
gp-336	78	27	systems	system	NOUN
gp-336	78	28	integrates	integrate	VERB
gp-336	78	29	financial	financial	ADJ
gp-336	78	30	and	and	CCONJ
gp-336	78	31	operational	operational	ADJ
gp-336	78	32	data	datum	NOUN
gp-336	78	33	improves	improve	VERB
gp-336	78	34	scenario	scenario	ADJ
gp-336	78	35	analysis	analysis	NOUN
gp-336	78	36	and	and	CCONJ
gp-336	78	37	strategic	strategic	ADJ
gp-336	78	38	decisions	decision	NOUN
gp-336	78	39	rpa	rpa	PROPN
gp-336	78	40	automates	automate	VERB
gp-336	78	41	repetitive	repetitive	ADJ
gp-336	78	42	tasks	task	NOUN
gp-336	78	43	increases	increase	VERB
gp-336	78	44	efficiency	efficiency	NOUN
gp-336	78	45	,	,	PUNCT
gp-336	78	46	reduces	reduce	VERB
gp-336	78	47	costs	cost	NOUN
gp-336	78	48	by	by	ADP
gp-336	78	49	up	up	ADP
gp-336	78	50	to	to	PART
gp-336	78	51	30	30	NUM
gp-336	78	52	%	%	NOUN
gp-336	78	53	ai	ai	NOUN
gp-336	78	54	&	&	CCONJ
gp-336	78	55	analytics	analytic	NOUN
gp-336	78	56	predictive	predictive	VERB
gp-336	78	57	modelling	modelling	NOUN
gp-336	78	58	and	and	CCONJ
gp-336	78	59	risk	risk	NOUN
gp-336	78	60	analysis	analysis	NOUN
gp-336	78	61	enhances	enhance	VERB
gp-336	78	62	forecasting	forecasting	NOUN
gp-336	78	63	and	and	CCONJ
gp-336	78	64	proactive	proactive	ADJ
gp-336	78	65	risk	risk	NOUN
gp-336	78	66	management	management	NOUN
gp-336	78	67	source	source	NOUN
gp-336	78	68	:	:	PUNCT
gp-336	78	69	synthesized	synthesize	VERB
gp-336	78	70	from	from	ADP
gp-336	78	71	empirical	empirical	ADJ
gp-336	78	72	studies	study	NOUN
gp-336	78	73	,	,	PUNCT
gp-336	78	74	2025	2025	NUM
gp-336	78	75	new	new	ADJ
gp-336	78	76	trends	trend	NOUN
gp-336	78	77	in	in	ADP
gp-336	78	78	financial	financial	ADJ
gp-336	78	79	planning	planning	NOUN
gp-336	78	80	the	the	DET
gp-336	78	81	review	review	NOUN
gp-336	78	82	determines	determine	VERB
gp-336	78	83	the	the	DET
gp-336	78	84	five	five	NUM
gp-336	78	85	trends	trend	NOUN
gp-336	78	86	that	that	PRON
gp-336	78	87	will	will	AUX
gp-336	78	88	define	define	VERB
gp-336	78	89	the	the	DET
gp-336	78	90	future	future	NOUN
gp-336	78	91	of	of	ADP
gp-336	78	92	financial	financial	ADJ
gp-336	78	93	planning	planning	NOUN
gp-336	78	94	,	,	PUNCT
gp-336	78	95	including	include	VERB
gp-336	78	96	digitalisation	digitalisation	NOUN
gp-336	78	97	and	and	CCONJ
gp-336	78	98	changing	change	VERB
gp-336	78	99	stakeholder	stakeholder	NOUN
gp-336	78	100	expectations	expectation	NOUN
gp-336	78	101	.	.	PUNCT
gp-336	79	1	1	1	X
gp-336	79	2	.	.	X
gp-336	79	3	instant	instant	ADJ
gp-336	79	4	data	datum	NOUN
gp-336	79	5	visualisation	visualisation	NOUN
gp-336	79	6	:	:	PUNCT
gp-336	79	7	with	with	ADP
gp-336	79	8	tableau	tableau	PROPN
gp-336	79	9	and	and	CCONJ
gp-336	79	10	power	power	NOUN
gp-336	79	11	bi	bi	PROPN
gp-336	79	12	,	,	PUNCT
gp-336	79	13	digital	digital	ADJ
gp-336	79	14	tools	tool	NOUN
gp-336	79	15	,	,	PUNCT
gp-336	79	16	the	the	DET
gp-336	79	17	focus	focus	NOUN
gp-336	79	18	of	of	ADP
gp-336	79	19	financial	financial	ADJ
gp-336	79	20	planning	planning	NOUN
gp-336	79	21	has	have	AUX
gp-336	79	22	now	now	ADV
gp-336	79	23	changed	change	VERB
gp-336	79	24	towards	towards	ADP
gp-336	79	25	real	real	ADJ
gp-336	79	26	-	-	PUNCT
gp-336	79	27	time	time	NOUN
gp-336	79	28	reporting	reporting	NOUN
gp-336	79	29	(	(	PUNCT
gp-336	79	30	deloitte	deloitte	PROPN
gp-336	79	31	,	,	PUNCT
gp-336	79	32	n.d	n.d	PROPN
gp-336	79	33	.	.	PROPN
gp-336	79	34	)	)	PUNCT
gp-336	79	35	.	.	PUNCT
gp-336	80	1	the	the	DET
gp-336	80	2	benefit	benefit	NOUN
gp-336	80	3	of	of	ADP
gp-336	80	4	the	the	DET
gp-336	80	5	given	give	VERB
gp-336	80	6	trend	trend	NOUN
gp-336	80	7	is	be	AUX
gp-336	80	8	that	that	SCONJ
gp-336	80	9	it	it	PRON
gp-336	80	10	enables	enable	VERB
gp-336	80	11	the	the	DET
gp-336	80	12	financial	financial	ADJ
gp-336	80	13	managers	manager	NOUN
gp-336	80	14	to	to	PART
gp-336	80	15	make	make	VERB
gp-336	80	16	quicker	quick	ADV
gp-336	80	17	and	and	CCONJ
gp-336	80	18	more	more	ADV
gp-336	80	19	informed	informed	ADJ
gp-336	80	20	decisions	decision	NOUN
gp-336	80	21	,	,	PUNCT
gp-336	80	22	especially	especially	ADV
gp-336	80	23	in	in	ADP
gp-336	80	24	places	place	NOUN
gp-336	80	25	where	where	SCONJ
gp-336	80	26	market	market	NOUN
gp-336	80	27	instability	instability	NOUN
gp-336	80	28	requires	require	VERB
gp-336	80	29	quick	quick	ADJ
gp-336	80	30	responses	response	NOUN
gp-336	80	31	(	(	PUNCT
gp-336	80	32	the	the	DET
gp-336	80	33	impact	impact	NOUN
gp-336	80	34	of	of	ADP
gp-336	80	35	digital	digital	ADJ
gp-336	80	36	transformation	transformation	NOUN
gp-336	80	37	on	on	ADP
gp-336	80	38	fp&a	fp&a	PROPN
gp-336	80	39	,	,	PUNCT
gp-336	80	40	n.d	n.d	PROPN
gp-336	80	41	.	.	PROPN
gp-336	80	42	)	)	PUNCT
gp-336	80	43	.	.	PUNCT
gp-336	81	1	2	2	X
gp-336	81	2	.	.	X
gp-336	81	3	environmental	environmental	ADJ
gp-336	81	4	,	,	PUNCT
gp-336	81	5	social	social	ADJ
gp-336	81	6	,	,	PUNCT
gp-336	81	7	and	and	CCONJ
gp-336	81	8	governance	governance	NOUN
gp-336	81	9	(	(	PUNCT
gp-336	81	10	esg	esg	NOUN
gp-336	81	11	)	)	PUNCT
gp-336	81	12	concerns	concern	NOUN
gp-336	81	13	:	:	PUNCT
gp-336	81	14	the	the	DET
gp-336	81	15	financial	financial	ADJ
gp-336	81	16	plans	plan	NOUN
gp-336	81	17	are	be	AUX
gp-336	81	18	becoming	become	VERB
gp-336	81	19	more	more	ADV
gp-336	81	20	and	and	CCONJ
gp-336	81	21	more	more	ADV
gp-336	81	22	interwoven	interwoven	ADJ
gp-336	81	23	with	with	ADP
gp-336	81	24	the	the	DET
gp-336	81	25	environment	environment	NOUN
gp-336	81	26	,	,	PUNCT
gp-336	81	27	social	social	ADJ
gp-336	81	28	,	,	PUNCT
gp-336	81	29	and	and	CCONJ
gp-336	81	30	governance	governance	NOUN
gp-336	81	31	concerns	concern	NOUN
gp-336	81	32	,	,	PUNCT
gp-336	81	33	and	and	CCONJ
gp-336	81	34	the	the	DET
gp-336	81	35	sustainability	sustainability	NOUN
gp-336	81	36	measures	measure	NOUN
gp-336	81	37	are	be	AUX
gp-336	81	38	monitored	monitor	VERB
gp-336	81	39	with	with	ADP
gp-336	81	40	the	the	DET
gp-336	81	41	help	help	NOUN
gp-336	81	42	of	of	ADP
gp-336	81	43	digital	digital	ADJ
gp-336	81	44	tools	tool	NOUN
gp-336	81	45	(	(	PUNCT
gp-336	81	46	mavlutova	mavlutova	X
gp-336	81	47	et	et	PROPN
gp-336	81	48	al	al	PROPN
gp-336	81	49	.	.	PROPN
gp-336	81	50	,	,	PUNCT
gp-336	81	51	2023	2023	NUM
gp-336	81	52	)	)	PUNCT
gp-336	81	53	.	.	PUNCT
gp-336	82	1	the	the	DET
gp-336	82	2	findings	finding	NOUN
gp-336	82	3	demonstrate	demonstrate	VERB
gp-336	82	4	that	that	SCONJ
gp-336	82	5	the	the	DET
gp-336	82	6	esg	esg	PROPN
gp-336	82	7	integration	integration	NOUN
gp-336	82	8	enables	enable	VERB
gp-336	82	9	investments	investment	NOUN
gp-336	82	10	in	in	ADP
gp-336	82	11	line	line	NOUN
gp-336	82	12	with	with	ADP
gp-336	82	13	the	the	DET
gp-336	82	14	sustainable	sustainable	ADJ
gp-336	82	15	development	development	NOUN
gp-336	82	16	goals	goal	NOUN
gp-336	82	17	and	and	CCONJ
gp-336	82	18	serves	serve	VERB
gp-336	82	19	as	as	ADP
gp-336	82	20	the	the	DET
gp-336	82	21	answer	answer	NOUN
gp-336	82	22	to	to	ADP
gp-336	82	23	the	the	DET
gp-336	82	24	increasing	increase	VERB
gp-336	82	25	risk	risk	NOUN
gp-336	82	26	of	of	ADP
gp-336	82	27	regulation	regulation	NOUN
gp-336	82	28	and	and	CCONJ
gp-336	82	29	stakeholder	stakeholder	NOUN
gp-336	82	30	pressure	pressure	NOUN
gp-336	82	31	(	(	PUNCT
gp-336	82	32	gulati	gulati	PROPN
gp-336	82	33	&	&	CCONJ
gp-336	82	34	singh	singh	PROPN
gp-336	82	35	,	,	PUNCT
gp-336	82	36	2024	2024	NUM
gp-336	82	37	)	)	PUNCT
gp-336	82	38	.	.	PUNCT
gp-336	83	1	3	3	X
gp-336	83	2	.	.	X
gp-336	83	3	financial	financial	ADJ
gp-336	83	4	inclusion	inclusion	NOUN
gp-336	83	5	:	:	PUNCT
gp-336	83	6	the	the	DET
gp-336	83	7	increase	increase	NOUN
gp-336	83	8	of	of	ADP
gp-336	83	9	availability	availability	NOUN
gp-336	83	10	of	of	ADP
gp-336	83	11	financial	financial	ADJ
gp-336	83	12	planning	planning	NOUN
gp-336	83	13	tools	tool	NOUN
gp-336	83	14	(	(	PUNCT
gp-336	83	15	most	most	ADJ
gp-336	83	16	of	of	ADP
gp-336	83	17	all	all	PRON
gp-336	83	18	in	in	ADP
gp-336	83	19	underserved	underserved	ADJ
gp-336	83	20	areas	area	NOUN
gp-336	83	21	)	)	PUNCT
gp-336	83	22	under	under	ADP
gp-336	83	23	distribution	distribution	NOUN
gp-336	83	24	via	via	ADP
gp-336	83	25	digital	digital	ADJ
gp-336	83	26	financial	financial	ADJ
gp-336	83	27	services	service	NOUN
gp-336	83	28	,	,	PUNCT
gp-336	83	29	including	include	VERB
gp-336	83	30	mobile	mobile	NOUN
gp-336	83	31	-	-	PUNCT
gp-336	83	32	based	base	VERB
gp-336	83	33	banking	banking	NOUN
gp-336	83	34	and	and	CCONJ
gp-336	83	35	fintech	fintech	NOUN
gp-336	83	36	products	product	NOUN
gp-336	83	37	(	(	PUNCT
gp-336	83	38	sharma	sharma	PROPN
gp-336	83	39	&	&	CCONJ
gp-336	83	40	d	d	PROPN
gp-336	83	41	according	accord	VERB
gp-336	83	42	to	to	ADP
gp-336	83	43	sharma	sharma	PROPN
gp-336	83	44	and	and	CCONJ
gp-336	83	45	d	d	ADP
gp-336	83	46	according	accord	VERB
gp-336	83	47	to	to	ADP
gp-336	83	48	sharma	sharma	PROPN
gp-336	83	49	and	and	CCONJ
gp-336	83	50	d	d	PROPN
gp-336	83	51	csquilonpass	csquilonpass	PROPN
gp-336	83	52	earthquake	earthquake	NOUN
gp-336	83	53	,	,	PUNCT
gp-336	83	54	use	use	NOUN
gp-336	83	55	of	of	ADP
gp-336	83	56	financial	financial	ADJ
gp-336	83	57	planning	planning	NOUN
gp-336	83	58	tools	tool	NOUN
gp-336	83	59	to	to	PART
gp-336	83	60	meet	meet	VERB
gp-336	83	61	needs	need	NOUN
gp-336	83	62	is	be	AUX
gp-336	83	63	higher	high	ADJ
gp-336	83	64	than	than	ADP
gp-336	83	65	average	average	ADJ
gp-336	83	66	in	in	ADP
gp-336	83	67	the	the	DET
gp-336	83	68	regions	region	NOUN
gp-336	83	69	that	that	PRON
gp-336	83	70	experienced	experience	VERB
gp-336	83	71	the	the	DET
gp-336	83	72	earthquake	earthquake	NOUN
gp-336	83	73	(	(	PUNCT
gp-336	83	74	sharma	sharma	PROPN
gp-336	83	75	&	&	CCONJ
gp-336	83	76	d	d	PROPN
gp-336	83	77	according	accord	VERB
gp-336	83	78	to	to	ADP
gp-336	83	79	sharma	sharma	PROPN
gp-336	83	80	and	and	CCONJ
gp-336	83	81	d	d	ADP
gp-336	83	82	cs	cs	PROPN
gp-336	83	83	villlospickey	villlospickey	PROPN
gp-336	83	84	finding	finding	NOUN
gp-336	83	85	:	:	PUNCT
gp-336	83	86	comparing	compare	VERB
gp-336	83	87	the	the	DET
gp-336	83	88	areas	area	NOUN
gp-336	83	89	of	of	ADP
gp-336	83	90	the	the	DET
gp-336	83	91	use	use	NOUN
gp-336	83	92	of	of	ADP
gp-336	83	93	financial	financial	ADJ
gp-336	83	94	planning	planning	NOUN
gp-336	83	95	tools	tool	NOUN
gp-336	83	96	to	to	PART
gp-336	83	97	meet	meet	VERB
gp-336	83	98	needs	need	NOUN
gp-336	83	99	to	to	ADP
gp-336	83	100	the	the	DET
gp-336	83	101	county	county	NOUN
gp-336	83	102	average	average	NOUN
gp-336	83	103	,	,	PUNCT
gp-336	83	104	there	there	PRON
gp-336	83	105	are	be	VERB
gp-336	83	106	more	more	ADJ
gp-336	83	107	highwith	highwith	PROPN
gp-336	83	108	blockchain	blockchain	PROPN
gp-336	83	109	-	-	PUNCT
gp-336	83	110	based	base	VERB
gp-336	83	111	platforms	platform	NOUN
gp-336	83	112	,	,	PUNCT
gp-336	83	113	american	american	ADJ
gp-336	83	114	journal	journal	PROPN
gp-336	83	115	of	of	ADP
gp-336	83	116	economic	economic	ADJ
gp-336	83	117	and	and	CCONJ
gp-336	83	118	management	management	NOUN
gp-336	83	119	business	business	NOUN
gp-336	83	120	vol	vol	NOUN
gp-336	83	121	.	.	PROPN
gp-336	84	1	4	4	NUM
gp-336	84	2	no	no	NOUN
gp-336	84	3	.	.	PUNCT
gp-336	85	1	10	10	NUM
gp-336	85	2	october	october	NOUN
gp-336	85	3	2025	2025	NUM
gp-336	85	4	1658	1658	NUM
gp-336	85	5	transparency	transparency	NOUN
gp-336	85	6	,	,	PUNCT
gp-336	85	7	and	and	CCONJ
gp-336	85	8	security	security	NOUN
gp-336	85	9	will	will	AUX
gp-336	85	10	be	be	AUX
gp-336	85	11	highly	highly	ADV
gp-336	85	12	promoted	promote	VERB
gp-336	85	13	,	,	PUNCT
gp-336	85	14	which	which	PRON
gp-336	85	15	will	will	AUX
gp-336	85	16	help	help	VERB
gp-336	85	17	build	build	VERB
gp-336	85	18	trust	trust	NOUN
gp-336	85	19	and	and	CCONJ
gp-336	85	20	expand	expand	VERB
gp-336	85	21	the	the	DET
gp-336	85	22	fp&a	fp&a	PROPN
gp-336	85	23	client	client	PROPN
gp-336	85	24	base	base	NOUN
gp-336	85	25	to	to	ADP
gp-336	85	26	individual	individual	ADJ
gp-336	85	27	and	and	CCONJ
gp-336	85	28	small	small	ADJ
gp-336	85	29	business	business	NOUN
gp-336	85	30	accounts	account	NOUN
gp-336	85	31	(	(	PUNCT
gp-336	85	32	nwoke	nwoke	NOUN
gp-336	85	33	,	,	PUNCT
gp-336	85	34	2024	2024	NUM
gp-336	85	35	)	)	PUNCT
gp-336	85	36	.	.	PUNCT
gp-336	86	1	4	4	X
gp-336	86	2	.	.	X
gp-336	86	3	cybersecurity	cybersecurity	NOUN
gp-336	86	4	and	and	CCONJ
gp-336	86	5	data	datum	NOUN
gp-336	86	6	governance	governance	NOUN
gp-336	86	7	:	:	PUNCT
gp-336	86	8	with	with	ADP
gp-336	86	9	the	the	DET
gp-336	86	10	rise	rise	NOUN
gp-336	86	11	of	of	ADP
gp-336	86	12	digitalisation	digitalisation	NOUN
gp-336	86	13	comes	come	VERB
gp-336	86	14	the	the	DET
gp-336	86	15	need	need	NOUN
gp-336	86	16	to	to	PART
gp-336	86	17	take	take	VERB
gp-336	86	18	cybersecurity	cybersecurity	NOUN
gp-336	86	19	into	into	ADP
gp-336	86	20	account	account	NOUN
gp-336	86	21	to	to	PART
gp-336	86	22	ensure	ensure	VERB
gp-336	86	23	that	that	SCONJ
gp-336	86	24	the	the	DET
gp-336	86	25	damage	damage	NOUN
gp-336	86	26	caused	cause	VERB
gp-336	86	27	by	by	ADP
gp-336	86	28	its	its	PRON
gp-336	86	29	threat	threat	NOUN
gp-336	86	30	can	can	AUX
gp-336	86	31	be	be	AUX
gp-336	86	32	minimised	minimise	VERB
gp-336	86	33	.	.	PUNCT
gp-336	87	1	according	accord	VERB
gp-336	87	2	to	to	ADP
gp-336	87	3	the	the	DET
gp-336	87	4	review	review	NOUN
gp-336	87	5	,	,	PUNCT
gp-336	87	6	to	to	PART
gp-336	87	7	properly	properly	ADV
gp-336	87	8	secure	secure	VERB
gp-336	87	9	the	the	DET
gp-336	87	10	sensitive	sensitive	ADJ
gp-336	87	11	financial	financial	ADJ
gp-336	87	12	data	datum	NOUN
gp-336	87	13	,	,	PUNCT
gp-336	87	14	a	a	DET
gp-336	87	15	number	number	NOUN
gp-336	87	16	of	of	ADP
gp-336	87	17	strong	strong	ADJ
gp-336	87	18	frameworks	framework	NOUN
gp-336	87	19	need	need	VERB
gp-336	87	20	to	to	PART
gp-336	87	21	be	be	AUX
gp-336	87	22	established	establish	VERB
gp-336	87	23	,	,	PUNCT
gp-336	87	24	such	such	ADJ
gp-336	87	25	as	as	ADP
gp-336	87	26	encryption	encryption	NOUN
gp-336	87	27	and	and	CCONJ
gp-336	87	28	multi	multi	ADJ
gp-336	87	29	-	-	ADJ
gp-336	87	30	factor	factor	NOUN
gp-336	87	31	authentication	authentication	NOUN
gp-336	87	32	(	(	PUNCT
gp-336	87	33	rivero	rivero	PROPN
gp-336	87	34	del	del	PROPN
gp-336	87	35	paso	paso	PROPN
gp-336	87	36	et	et	PROPN
gp-336	87	37	al	al	PROPN
gp-336	87	38	.	.	PROPN
gp-336	87	39	,	,	PUNCT
gp-336	87	40	2023	2023	NUM
gp-336	87	41	)	)	PUNCT
gp-336	87	42	.	.	PUNCT
gp-336	88	1	to	to	PART
gp-336	88	2	lessen	lessen	VERB
gp-336	88	3	the	the	DET
gp-336	88	4	risks	risk	NOUN
gp-336	88	5	,	,	PUNCT
gp-336	88	6	it	it	PRON
gp-336	88	7	is	be	AUX
gp-336	88	8	important	important	ADJ
gp-336	88	9	to	to	PART
gp-336	88	10	adhere	adhere	VERB
gp-336	88	11	to	to	ADP
gp-336	88	12	such	such	ADJ
gp-336	88	13	rules	rule	NOUN
gp-336	88	14	as	as	ADP
gp-336	88	15	gdpr	gdpr	NOUN
gp-336	88	16	(	(	PUNCT
gp-336	88	17	thottoli	thottoli	NOUN
gp-336	88	18	et	et	PROPN
gp-336	88	19	al	al	PROPN
gp-336	88	20	.	.	PROPN
gp-336	88	21	,	,	PUNCT
gp-336	88	22	2023	2023	NUM
gp-336	88	23	)	)	PUNCT
gp-336	88	24	.	.	PUNCT
gp-336	89	1	5	5	X
gp-336	89	2	.	.	X
gp-336	89	3	personalisation	personalisation	NOUN
gp-336	89	4	:	:	PUNCT
gp-336	89	5	since	since	SCONJ
gp-336	89	6	robo	robo	NOUN
gp-336	89	7	-	-	PUNCT
gp-336	89	8	advisors	advisor	NOUN
gp-336	89	9	personalise	personalise	VERB
gp-336	89	10	their	their	PRON
gp-336	89	11	financial	financial	ADJ
gp-336	89	12	services	service	NOUN
gp-336	89	13	according	accord	VERB
gp-336	89	14	to	to	ADP
gp-336	89	15	the	the	DET
gp-336	89	16	needs	need	NOUN
gp-336	89	17	of	of	ADP
gp-336	89	18	the	the	DET
gp-336	89	19	individual	individual	ADJ
gp-336	89	20	clients	client	NOUN
gp-336	89	21	,	,	PUNCT
gp-336	89	22	they	they	PRON
gp-336	89	23	increase	increase	VERB
gp-336	89	24	customer	customer	NOUN
gp-336	89	25	satisfaction	satisfaction	NOUN
gp-336	89	26	and	and	CCONJ
gp-336	89	27	retention	retention	NOUN
gp-336	89	28	depending	depend	VERB
gp-336	89	29	utilising	utilise	VERB
gp-336	89	30	artificially	artificially	ADV
gp-336	89	31	intelligent	intelligent	ADJ
gp-336	89	32	models	model	NOUN
gp-336	89	33	(	(	PUNCT
gp-336	89	34	gulati	gulati	PROPN
gp-336	89	35	&	&	CCONJ
gp-336	89	36	singh	singh	PROPN
gp-336	89	37	,	,	PUNCT
gp-336	89	38	2024	2024	NUM
gp-336	89	39	)	)	PUNCT
gp-336	89	40	.	.	PUNCT
gp-336	90	1	the	the	DET
gp-336	90	2	findings	finding	NOUN
gp-336	90	3	show	show	VERB
gp-336	90	4	that	that	SCONJ
gp-336	90	5	wealth	wealth	NOUN
gp-336	90	6	management	management	NOUN
gp-336	90	7	and	and	CCONJ
gp-336	90	8	retail	retail	ADJ
gp-336	90	9	banking	banking	NOUN
gp-336	90	10	industries	industry	NOUN
gp-336	90	11	are	be	AUX
gp-336	90	12	increasingly	increasingly	ADV
gp-336	90	13	becoming	becoming	AUX
gp-336	90	14	personalised	personalise	VERB
gp-336	90	15	,	,	PUNCT
gp-336	90	16	and	and	CCONJ
gp-336	90	17	this	this	PRON
gp-336	90	18	is	be	AUX
gp-336	90	19	due	due	ADJ
gp-336	90	20	to	to	ADP
gp-336	90	21	the	the	DET
gp-336	90	22	demand	demand	NOUN
gp-336	90	23	of	of	ADP
gp-336	90	24	the	the	DET
gp-336	90	25	clientele	clientele	NOUN
gp-336	90	26	who	who	PRON
gp-336	90	27	have	have	VERB
gp-336	90	28	to	to	PART
gp-336	90	29	be	be	AUX
gp-336	90	30	offered	offer	VERB
gp-336	90	31	customised	customised	ADJ
gp-336	90	32	investment	investment	NOUN
gp-336	90	33	plans	plan	NOUN
gp-336	90	34	(	(	PUNCT
gp-336	90	35	maddevs	maddevs	NOUN
gp-336	90	36	,	,	PUNCT
gp-336	90	37	n.d	n.d	PROPN
gp-336	90	38	.	.	PROPN
gp-336	90	39	)	)	PUNCT
gp-336	90	40	.	.	PUNCT
gp-336	91	1	figure	figure	NOUN
gp-336	91	2	2	2	NUM
gp-336	91	3	.	.	PUNCT
gp-336	91	4	key	key	ADJ
gp-336	91	5	trends	trend	NOUN
gp-336	91	6	shaping	shape	VERB
gp-336	91	7	financial	financial	ADJ
gp-336	91	8	planning	planning	NOUN
gp-336	91	9	source	source	NOUN
gp-336	91	10	:	:	PUNCT
gp-336	91	11	synthesized	synthesize	VERB
gp-336	91	12	trend	trend	NOUN
gp-336	91	13	analysis	analysis	NOUN
gp-336	91	14	from	from	ADP
gp-336	91	15	systematic	systematic	ADJ
gp-336	91	16	literature	literature	PROPN
gp-336	91	17	review	review	NOUN
gp-336	91	18	,	,	PUNCT
gp-336	91	19	2025	2025	NUM
gp-336	91	20	challenges	challenge	NOUN
gp-336	91	21	of	of	ADP
gp-336	91	22	digital	digital	ADJ
gp-336	91	23	adoption	adoption	NOUN
gp-336	91	24	in	in	ADP
gp-336	91	25	the	the	DET
gp-336	91	26	review	review	NOUN
gp-336	91	27	,	,	PUNCT
gp-336	91	28	some	some	DET
gp-336	91	29	challenges	challenge	NOUN
gp-336	91	30	relating	relate	VERB
gp-336	91	31	to	to	ADP
gp-336	91	32	the	the	DET
gp-336	91	33	digitalisation	digitalisation	NOUN
gp-336	91	34	of	of	ADP
gp-336	91	35	financial	financial	ADJ
gp-336	91	36	planning	planning	NOUN
gp-336	91	37	are	be	AUX
gp-336	91	38	identified	identify	VERB
gp-336	91	39	.	.	PUNCT
gp-336	92	1	one	one	NUM
gp-336	92	2	of	of	ADP
gp-336	92	3	the	the	DET
gp-336	92	4	barriers	barrier	NOUN
gp-336	92	5	is	be	AUX
gp-336	92	6	high	high	ADJ
gp-336	92	7	implementation	implementation	NOUN
gp-336	92	8	cost	cost	NOUN
gp-336	92	9	,	,	PUNCT
gp-336	92	10	such	such	ADJ
gp-336	92	11	as	as	ADP
gp-336	92	12	investment	investment	NOUN
gp-336	92	13	in	in	ADP
gp-336	92	14	infrastructure	infrastructure	NOUN
gp-336	92	15	and	and	CCONJ
gp-336	92	16	training	training	NOUN
gp-336	92	17	,	,	PUNCT
gp-336	92	18	though	though	SCONJ
gp-336	92	19	this	this	PRON
gp-336	92	20	affects	affect	VERB
gp-336	92	21	small	small	ADJ
gp-336	92	22	and	and	CCONJ
gp-336	92	23	medium	medium	ADJ
gp-336	92	24	-	-	PUNCT
gp-336	92	25	sized	sized	ADJ
gp-336	92	26	enterprises	enterprise	NOUN
gp-336	92	27	more	more	ADJ
gp-336	92	28	than	than	ADP
gp-336	92	29	large	large	ADJ
gp-336	92	30	enterprises	enterprise	NOUN
gp-336	92	31	(	(	PUNCT
gp-336	92	32	werth	werth	PROPN
gp-336	92	33	et	et	PROPN
gp-336	92	34	al	al	PROPN
gp-336	92	35	.	.	PROPN
gp-336	92	36	,	,	PUNCT
gp-336	92	37	2020	2020	NUM
gp-336	92	38	)	)	PUNCT
gp-336	92	39	.	.	PUNCT
gp-336	93	1	another	another	DET
gp-336	93	2	problem	problem	NOUN
gp-336	93	3	is	be	AUX
gp-336	93	4	that	that	SCONJ
gp-336	93	5	employees	employee	NOUN
gp-336	93	6	resist	resist	VERB
gp-336	93	7	new	new	ADJ
gp-336	93	8	technologies	technology	NOUN
gp-336	93	9	and	and	CCONJ
gp-336	93	10	tend	tend	VERB
gp-336	93	11	to	to	PART
gp-336	93	12	follow	follow	VERB
gp-336	93	13	the	the	DET
gp-336	93	14	old	old	ADJ
gp-336	93	15	patterns	pattern	NOUN
gp-336	93	16	of	of	ADP
gp-336	93	17	work	work	NOUN
gp-336	93	18	rather	rather	ADV
gp-336	93	19	than	than	ADP
gp-336	93	20	use	use	VERB
gp-336	93	21	digital	digital	ADJ
gp-336	93	22	tools	tool	NOUN
gp-336	93	23	(	(	PUNCT
gp-336	93	24	fahndrich	fahndrich	NOUN
gp-336	93	25	,	,	PUNCT
gp-336	93	26	2023	2023	NUM
gp-336	93	27	)	)	PUNCT
gp-336	93	28	.	.	PUNCT
gp-336	94	1	the	the	DET
gp-336	94	2	solution	solution	NOUN
gp-336	94	3	to	to	ADP
gp-336	94	4	this	this	DET
gp-336	94	5	problem	problem	NOUN
gp-336	94	6	is	be	AUX
gp-336	94	7	upskilling	upskille	VERB
gp-336	94	8	programs	program	NOUN
gp-336	94	9	,	,	PUNCT
gp-336	94	10	which	which	PRON
gp-336	94	11	,	,	PUNCT
gp-336	94	12	however	however	ADV
gp-336	94	13	,	,	PUNCT
gp-336	94	14	take	take	VERB
gp-336	94	15	time	time	NOUN
gp-336	94	16	and	and	CCONJ
gp-336	94	17	resources	resource	NOUN
gp-336	94	18	.	.	PUNCT
gp-336	95	1	privacy	privacy	NOUN
gp-336	95	2	of	of	ADP
gp-336	95	3	data	data	NOUN
gp-336	95	4	is	be	AUX
gp-336	95	5	a	a	DET
gp-336	95	6	very	very	ADV
gp-336	95	7	serious	serious	ADJ
gp-336	95	8	issue	issue	NOUN
gp-336	95	9	since	since	SCONJ
gp-336	95	10	the	the	DET
gp-336	95	11	more	more	ADJ
gp-336	95	12	one	one	NOUN
gp-336	95	13	believes	believe	VERB
gp-336	95	14	in	in	ADP
gp-336	95	15	digitalisation	digitalisation	NOUN
gp-336	95	16	,	,	PUNCT
gp-336	95	17	the	the	DET
gp-336	95	18	more	more	ADJ
gp-336	95	19	one	one	NOUN
gp-336	95	20	is	be	AUX
gp-336	95	21	at	at	ADP
gp-336	95	22	risk	risk	NOUN
gp-336	95	23	of	of	ADP
gp-336	95	24	cyberattack	cyberattack	NOUN
gp-336	95	25	(	(	PUNCT
gp-336	95	26	thottoli	thottoli	NOUN
gp-336	95	27	et	et	PROPN
gp-336	95	28	al	al	PROPN
gp-336	95	29	.	.	PROPN
gp-336	95	30	,	,	PUNCT
gp-336	95	31	2023	2023	NUM
gp-336	95	32	)	)	PUNCT
gp-336	95	33	.	.	PUNCT
gp-336	96	1	the	the	DET
gp-336	96	2	findings	finding	NOUN
gp-336	96	3	stress	stress	VERB
gp-336	96	4	the	the	DET
gp-336	96	5	importance	importance	NOUN
gp-336	96	6	of	of	ADP
gp-336	96	7	a	a	DET
gp-336	96	8	digitalisation	digitalisation	NOUN
gp-336	96	9	in	in	ADP
gp-336	96	10	financial	financial	ADJ
gp-336	96	11	planning	planning	NOUN
gp-336	96	12	:	:	PUNCT
gp-336	96	13	tools	tool	NOUN
gp-336	96	14	and	and	CCONJ
gp-336	96	15	trends	trend	NOUN
gp-336	96	16	for	for	ADP
gp-336	96	17	modern	modern	ADJ
gp-336	96	18	financial	financial	ADJ
gp-336	96	19	managers	manager	NOUN
gp-336	96	20	1659	1659	NUM
gp-336	96	21	strong	strong	ADJ
gp-336	96	22	cybersecurity	cybersecurity	NOUN
gp-336	96	23	tool	tool	NOUN
gp-336	96	24	and	and	CCONJ
gp-336	96	25	regulations	regulation	NOUN
gp-336	96	26	,	,	PUNCT
gp-336	96	27	such	such	ADJ
gp-336	96	28	as	as	ADP
gp-336	96	29	gdpr	gdpr	NOUN
gp-336	96	30	,	,	PUNCT
gp-336	96	31	to	to	PART
gp-336	96	32	secure	secure	VERB
gp-336	96	33	the	the	DET
gp-336	96	34	data	datum	NOUN
gp-336	96	35	of	of	ADP
gp-336	96	36	clients	client	NOUN
gp-336	96	37	(	(	PUNCT
gp-336	96	38	rivero	rivero	PROPN
gp-336	96	39	del	del	PROPN
gp-336	96	40	paso	paso	PROPN
gp-336	96	41	et	et	PROPN
gp-336	96	42	al	al	PROPN
gp-336	96	43	.	.	PROPN
gp-336	96	44	,	,	PUNCT
gp-336	96	45	2023	2023	NUM
gp-336	96	46	)	)	PUNCT
gp-336	96	47	.	.	PUNCT
gp-336	97	1	also	also	ADV
gp-336	97	2	,	,	PUNCT
gp-336	97	3	the	the	DET
gp-336	97	4	excessive	excessive	ADJ
gp-336	97	5	use	use	NOUN
gp-336	97	6	of	of	ADP
gp-336	97	7	automation	automation	NOUN
gp-336	97	8	and	and	CCONJ
gp-336	97	9	ai	ai	VERB
gp-336	97	10	can	can	AUX
gp-336	97	11	decrease	decrease	VERB
gp-336	97	12	human	human	ADJ
gp-336	97	13	control	control	NOUN
gp-336	97	14	,	,	PUNCT
gp-336	97	15	causing	cause	VERB
gp-336	97	16	blind	blind	ADJ
gp-336	97	17	spots	spot	NOUN
gp-336	97	18	following	follow	VERB
gp-336	97	19	considerations	consideration	NOUN
gp-336	97	20	that	that	PRON
gp-336	97	21	are	be	AUX
gp-336	97	22	difficult	difficult	ADJ
gp-336	97	23	to	to	PART
gp-336	97	24	track	track	VERB
gp-336	97	25	through	through	ADP
gp-336	97	26	the	the	DET
gp-336	97	27	algorithm	algorithm	NOUN
gp-336	97	28	(	(	PUNCT
gp-336	97	29	barreto	barreto	PROPN
gp-336	97	30	et	et	PROPN
gp-336	97	31	al	al	PROPN
gp-336	97	32	.	.	PROPN
gp-336	97	33	,	,	PUNCT
gp-336	97	34	2025	2025	NUM
gp-336	97	35	)	)	PUNCT
gp-336	97	36	.	.	PUNCT
gp-336	98	1	table	table	NOUN
gp-336	98	2	4	4	NUM
gp-336	98	3	.	.	PUNCT
gp-336	99	1	challenges	challenge	NOUN
gp-336	99	2	and	and	CCONJ
gp-336	99	3	mitigation	mitigation	NOUN
gp-336	99	4	strategies	strategy	NOUN
gp-336	99	5	challenge	challenge	NOUN
gp-336	99	6	description	description	NOUN
gp-336	99	7	mitigation	mitigation	NOUN
gp-336	99	8	strategy	strategy	NOUN
gp-336	99	9	high	high	ADJ
gp-336	99	10	implementation	implementation	NOUN
gp-336	99	11	costs	cost	VERB
gp-336	99	12	significant	significant	ADJ
gp-336	99	13	investment	investment	NOUN
gp-336	99	14	in	in	ADP
gp-336	99	15	infrastructure	infrastructure	NOUN
gp-336	99	16	/	/	SYM
gp-336	99	17	training	training	NOUN
gp-336	99	18	phased	phase	VERB
gp-336	99	19	adoption	adoption	NOUN
gp-336	99	20	,	,	PUNCT
gp-336	99	21	cloud	cloud	NOUN
gp-336	99	22	-	-	PUNCT
gp-336	99	23	based	base	VERB
gp-336	99	24	solutions	solution	NOUN
gp-336	99	25	employee	employee	NOUN
gp-336	99	26	resistance	resistance	NOUN
gp-336	99	27	reluctance	reluctance	NOUN
gp-336	99	28	to	to	PART
gp-336	99	29	adopt	adopt	VERB
gp-336	99	30	new	new	ADJ
gp-336	99	31	technologies	technology	NOUN
gp-336	99	32	change	change	VERB
gp-336	99	33	management	management	NOUN
gp-336	99	34	,	,	PUNCT
gp-336	99	35	upskilling	upskille	VERB
gp-336	99	36	programs	program	NOUN
gp-336	99	37	data	data	VERB
gp-336	99	38	privacy	privacy	NOUN
gp-336	99	39	risks	risk	NOUN
gp-336	99	40	vulnerability	vulnerability	NOUN
gp-336	99	41	to	to	ADP
gp-336	99	42	cyberattacks	cyberattack	NOUN
gp-336	99	43	encryption	encryption	NOUN
gp-336	99	44	,	,	PUNCT
gp-336	99	45	gdpr	gdpr	NOUN
gp-336	99	46	compliance	compliance	NOUN
gp-336	99	47	over	over	ADP
gp-336	99	48	-	-	PUNCT
gp-336	99	49	reliance	reliance	NOUN
gp-336	99	50	on	on	ADP
gp-336	99	51	automation	automation	NOUN
gp-336	99	52	reduced	reduce	VERB
gp-336	99	53	human	human	ADJ
gp-336	99	54	oversight	oversight	NOUN
gp-336	99	55	hybrid	hybrid	NOUN
gp-336	99	56	approaches	approach	NOUN
gp-336	99	57	combining	combine	VERB
gp-336	99	58	ai	ai	INTJ
gp-336	99	59	and	and	CCONJ
gp-336	99	60	human	human	ADJ
gp-336	99	61	judgment	judgment	NOUN
gp-336	99	62	source	source	NOUN
gp-336	99	63	:	:	PUNCT
gp-336	99	64	compiled	compile	VERB
gp-336	99	65	from	from	ADP
gp-336	99	66	empirical	empirical	ADJ
gp-336	99	67	research	research	NOUN
gp-336	99	68	findings	finding	NOUN
gp-336	99	69	,	,	PUNCT
gp-336	99	70	2025	2025	NUM
gp-336	99	71	future	future	ADJ
gp-336	99	72	opportunities	opportunity	NOUN
gp-336	99	73	the	the	DET
gp-336	99	74	findings	finding	NOUN
gp-336	99	75	indicate	indicate	VERB
gp-336	99	76	new	new	ADJ
gp-336	99	77	areas	area	NOUN
gp-336	99	78	of	of	ADP
gp-336	99	79	financial	financial	ADJ
gp-336	99	80	planning	planning	NOUN
gp-336	99	81	presentation	presentation	NOUN
gp-336	99	82	,	,	PUNCT
gp-336	99	83	such	such	ADJ
gp-336	99	84	as	as	ADP
gp-336	99	85	blockchain	blockchain	NOUN
gp-336	99	86	and	and	CCONJ
gp-336	99	87	quantum	quantum	NOUN
gp-336	99	88	computing	computing	NOUN
gp-336	99	89	.	.	PUNCT
gp-336	100	1	blockchain	blockchain	PROPN
gp-336	100	2	helps	help	VERB
gp-336	100	3	increase	increase	VERB
gp-336	100	4	the	the	DET
gp-336	100	5	transparency	transparency	NOUN
gp-336	100	6	and	and	CCONJ
gp-336	100	7	security	security	NOUN
gp-336	100	8	of	of	ADP
gp-336	100	9	financial	financial	ADJ
gp-336	100	10	transactions	transaction	NOUN
gp-336	100	11	,	,	PUNCT
gp-336	100	12	and	and	CCONJ
gp-336	100	13	quantum	quantum	NOUN
gp-336	100	14	computing	computing	NOUN
gp-336	100	15	is	be	AUX
gp-336	100	16	likely	likely	ADJ
gp-336	100	17	to	to	PART
gp-336	100	18	transform	transform	VERB
gp-336	100	19	the	the	DET
gp-336	100	20	risk	risk	NOUN
gp-336	100	21	modelling	modelling	NOUN
gp-336	100	22	and	and	CCONJ
gp-336	100	23	portfolio	portfolio	NOUN
gp-336	100	24	optimisation	optimisation	NOUN
gp-336	100	25	(	(	PUNCT
gp-336	100	26	nwoke	nwoke	ADV
gp-336	100	27	,	,	PUNCT
gp-336	100	28	2024	2024	NUM
gp-336	100	29	)	)	PUNCT
gp-336	100	30	.	.	PUNCT
gp-336	101	1	there	there	PRON
gp-336	101	2	are	be	VERB
gp-336	101	3	also	also	ADV
gp-336	101	4	innovations	innovation	NOUN
gp-336	101	5	produced	produce	VERB
gp-336	101	6	by	by	ADP
gp-336	101	7	the	the	DET
gp-336	101	8	cooperation	cooperation	NOUN
gp-336	101	9	of	of	ADP
gp-336	101	10	traditional	traditional	ADJ
gp-336	101	11	financial	financial	ADJ
gp-336	101	12	institutions	institution	NOUN
gp-336	101	13	and	and	CCONJ
gp-336	101	14	fintech	fintech	NOUN
gp-336	101	15	start	start	NOUN
gp-336	101	16	-	-	PUNCT
gp-336	101	17	ups	up	NOUN
gp-336	101	18	,	,	PUNCT
gp-336	101	19	such	such	ADJ
gp-336	101	20	as	as	ADP
gp-336	101	21	the	the	DET
gp-336	101	22	speeding	speeding	NOUN
gp-336	101	23	up	up	ADP
gp-336	101	24	of	of	ADP
gp-336	101	25	creating	create	VERB
gp-336	101	26	user	user	NOUN
gp-336	101	27	-	-	PUNCT
gp-336	101	28	friendly	friendly	ADJ
gp-336	101	29	applications	application	NOUN
gp-336	101	30	,	,	PUNCT
gp-336	101	31	such	such	ADJ
gp-336	101	32	as	as	ADP
gp-336	101	33	mobile	mobile	ADJ
gp-336	101	34	payment	payment	NOUN
gp-336	101	35	systems	system	NOUN
gp-336	101	36	and	and	CCONJ
gp-336	101	37	ai	ai	PRON
gp-336	101	38	budgeting	budgeting	ADJ
gp-336	101	39	apps	app	NOUN
gp-336	101	40	(	(	PUNCT
gp-336	101	41	maddevs	maddevs	NOUN
gp-336	101	42	,	,	PUNCT
gp-336	101	43	n.d	n.d	PROPN
gp-336	101	44	.	.	PROPN
gp-336	101	45	)	)	PUNCT
gp-336	101	46	.	.	PUNCT
gp-336	102	1	these	these	DET
gp-336	102	2	results	result	NOUN
gp-336	102	3	indicate	indicate	VERB
gp-336	102	4	that	that	SCONJ
gp-336	102	5	,	,	PUNCT
gp-336	102	6	when	when	SCONJ
gp-336	102	7	financial	financial	ADJ
gp-336	102	8	managers	manager	NOUN
gp-336	102	9	adopt	adopt	VERB
gp-336	102	10	digitalisation	digitalisation	NOUN
gp-336	102	11	,	,	PUNCT
gp-336	102	12	they	they	PRON
gp-336	102	13	can	can	AUX
gp-336	102	14	generate	generate	VERB
gp-336	102	15	considerable	considerable	ADJ
gp-336	102	16	levels	level	NOUN
gp-336	102	17	of	of	ADP
gp-336	102	18	competitive	competitive	ADJ
gp-336	102	19	advantages	advantage	NOUN
gp-336	102	20	.	.	PUNCT
gp-336	103	1	discussion	discussion	NOUN
gp-336	103	2	the	the	DET
gp-336	103	3	systematic	systematic	ADJ
gp-336	103	4	literature	literature	NOUN
gp-336	103	5	review	review	NOUN
gp-336	103	6	contributes	contribute	VERB
gp-336	103	7	to	to	ADP
gp-336	103	8	the	the	DET
gp-336	103	9	understanding	understanding	NOUN
gp-336	103	10	of	of	ADP
gp-336	103	11	the	the	DET
gp-336	103	12	transformative	transformative	ADJ
gp-336	103	13	influences	influence	NOUN
gp-336	103	14	of	of	ADP
gp-336	103	15	digitalisation	digitalisation	NOUN
gp-336	103	16	on	on	ADP
gp-336	103	17	financial	financial	ADJ
gp-336	103	18	planning	planning	NOUN
gp-336	103	19	,	,	PUNCT
gp-336	103	20	which	which	PRON
gp-336	103	21	focuses	focus	VERB
gp-336	103	22	on	on	ADP
gp-336	103	23	the	the	DET
gp-336	103	24	central	central	ADJ
gp-336	103	25	role	role	NOUN
gp-336	103	26	of	of	ADP
gp-336	103	27	digital	digital	ADJ
gp-336	103	28	tools	tool	NOUN
gp-336	103	29	and	and	CCONJ
gp-336	103	30	emerging	emerge	VERB
gp-336	103	31	trends	trend	NOUN
gp-336	103	32	in	in	ADP
gp-336	103	33	changing	change	VERB
gp-336	103	34	financial	financial	ADJ
gp-336	103	35	planning	planning	NOUN
gp-336	103	36	and	and	CCONJ
gp-336	103	37	analysis	analysis	NOUN
gp-336	103	38	(	(	PUNCT
gp-336	103	39	fp&a	fp&a	PROPN
gp-336	103	40	)	)	PUNCT
gp-336	103	41	.	.	PUNCT
gp-336	104	1	the	the	DET
gp-336	104	2	results	result	NOUN
gp-336	104	3	indicate	indicate	VERB
gp-336	104	4	that	that	SCONJ
gp-336	104	5	cloud	cloud	NOUN
gp-336	104	6	computing	computing	NOUN
gp-336	104	7	,	,	PUNCT
gp-336	104	8	enterprise	enterprise	NOUN
gp-336	104	9	resource	resource	NOUN
gp-336	104	10	planning	planning	NOUN
gp-336	104	11	(	(	PUNCT
gp-336	104	12	erp	erp	NOUN
gp-336	104	13	)	)	PUNCT
gp-336	104	14	systems	system	NOUN
gp-336	104	15	,	,	PUNCT
gp-336	104	16	robotic	robotic	ADJ
gp-336	104	17	process	process	NOUN
gp-336	104	18	automation	automation	NOUN
gp-336	104	19	(	(	PUNCT
gp-336	104	20	rpa	rpa	PROPN
gp-336	104	21	)	)	PUNCT
gp-336	104	22	,	,	PUNCT
gp-336	104	23	and	and	CCONJ
gp-336	104	24	artificial	artificial	ADJ
gp-336	104	25	intelligence	intelligence	NOUN
gp-336	104	26	(	(	PUNCT
gp-336	104	27	ai	ai	NOUN
gp-336	104	28	)	)	PUNCT
gp-336	104	29	tools	tool	NOUN
gp-336	104	30	become	become	VERB
gp-336	104	31	much	much	ADV
gp-336	104	32	more	more	ADV
gp-336	104	33	efficient	efficient	ADJ
gp-336	104	34	,	,	PUNCT
gp-336	104	35	accurate	accurate	ADJ
gp-336	104	36	,	,	PUNCT
gp-336	104	37	and	and	CCONJ
gp-336	104	38	able	able	ADJ
gp-336	104	39	to	to	PART
gp-336	104	40	facilitate	facilitate	VERB
gp-336	104	41	strategic	strategic	ADJ
gp-336	104	42	decision	decision	NOUN
gp-336	104	43	-	-	PUNCT
gp-336	104	44	making	making	NOUN
gp-336	104	45	(	(	PUNCT
gp-336	104	46	avira	avira	NOUN
gp-336	104	47	et	et	PROPN
gp-336	104	48	al	al	PROPN
gp-336	104	49	.	.	PROPN
gp-336	104	50	,	,	PUNCT
gp-336	104	51	2023	2023	NUM
gp-336	104	52	;	;	PUNCT
gp-336	104	53	breuer	breuer	PROPN
gp-336	104	54	&	&	CCONJ
gp-336	104	55	knetsch	knetsch	PROPN
gp-336	104	56	,	,	PUNCT
gp-336	104	57	2023	2023	NUM
gp-336	104	58	)	)	PUNCT
gp-336	104	59	.	.	PUNCT
gp-336	105	1	these	these	DET
gp-336	105	2	applications	application	NOUN
gp-336	105	3	help	help	VERB
gp-336	105	4	financial	financial	ADJ
gp-336	105	5	managers	manager	NOUN
gp-336	105	6	to	to	PART
gp-336	105	7	simplify	simplify	VERB
gp-336	105	8	their	their	PRON
gp-336	105	9	processes	process	NOUN
gp-336	105	10	,	,	PUNCT
gp-336	105	11	minimise	minimise	NOUN
gp-336	105	12	errors	error	NOUN
gp-336	105	13	in	in	ADP
gp-336	105	14	manual	manual	ADJ
gp-336	105	15	operations	operation	NOUN
gp-336	105	16	,	,	PUNCT
gp-336	105	17	and	and	CCONJ
gp-336	105	18	react	react	VERB
gp-336	105	19	quickly	quickly	ADV
gp-336	105	20	to	to	ADP
gp-336	105	21	market	market	NOUN
gp-336	105	22	changes	change	NOUN
gp-336	105	23	,	,	PUNCT
gp-336	105	24	which	which	PRON
gp-336	105	25	is	be	AUX
gp-336	105	26	concurrent	concurrent	ADJ
gp-336	105	27	with	with	ADP
gp-336	105	28	the	the	DET
gp-336	105	29	increased	increase	VERB
gp-336	105	30	need	need	NOUN
gp-336	105	31	for	for	ADP
gp-336	105	32	agility	agility	NOUN
gp-336	105	33	in	in	ADP
gp-336	105	34	the	the	DET
gp-336	105	35	highly	highly	ADV
gp-336	105	36	fluid	fluid	ADJ
gp-336	105	37	economies	economy	NOUN
gp-336	105	38	(	(	PUNCT
gp-336	105	39	deloitte	deloitte	PROPN
gp-336	105	40	,	,	PUNCT
gp-336	105	41	n.d	n.d	PROPN
gp-336	105	42	.	.	PROPN
gp-336	105	43	)	)	PUNCT
gp-336	105	44	.	.	PUNCT
gp-336	106	1	nevertheless	nevertheless	ADV
gp-336	106	2	,	,	PUNCT
gp-336	106	3	implementation	implementation	NOUN
gp-336	106	4	of	of	ADP
gp-336	106	5	these	these	DET
gp-336	106	6	technologies	technology	NOUN
gp-336	106	7	also	also	ADV
gp-336	106	8	has	have	VERB
gp-336	106	9	its	its	PRON
gp-336	106	10	issues	issue	NOUN
gp-336	106	11	like	like	ADP
gp-336	106	12	the	the	DET
gp-336	106	13	immense	immense	ADJ
gp-336	106	14	costs	cost	NOUN
gp-336	106	15	of	of	ADP
gp-336	106	16	implementation	implementation	NOUN
gp-336	106	17	,	,	PUNCT
gp-336	106	18	workforce	workforce	NOUN
gp-336	106	19	opposition	opposition	NOUN
gp-336	106	20	and	and	CCONJ
gp-336	106	21	data	datum	NOUN
gp-336	106	22	disclosure	disclosure	NOUN
gp-336	106	23	threats	threat	NOUN
gp-336	106	24	that	that	PRON
gp-336	106	25	have	have	VERB
gp-336	106	26	to	to	PART
gp-336	106	27	be	be	AUX
gp-336	106	28	handled	handle	VERB
gp-336	106	29	with	with	ADP
gp-336	106	30	a	a	DET
gp-336	106	31	tactical	tactical	ADJ
gp-336	106	32	approach	approach	NOUN
gp-336	106	33	,	,	PUNCT
gp-336	106	34	so	so	SCONJ
gp-336	106	35	that	that	SCONJ
gp-336	106	36	they	they	PRON
gp-336	106	37	can	can	AUX
gp-336	106	38	be	be	AUX
gp-336	106	39	successfully	successfully	ADV
gp-336	106	40	integrated	integrate	VERB
gp-336	106	41	(	(	PUNCT
gp-336	106	42	werth	werth	PROPN
gp-336	106	43	et	et	PROPN
gp-336	106	44	al	al	PROPN
gp-336	106	45	.	.	PROPN
gp-336	106	46	,	,	PUNCT
gp-336	106	47	2020	2020	NUM
gp-336	106	48	;	;	PUNCT
gp-336	106	49	fahndrich	fahndrich	NOUN
gp-336	106	50	,	,	PUNCT
gp-336	106	51	2023	2023	NUM
gp-336	106	52	)	)	PUNCT
gp-336	106	53	.	.	PUNCT
gp-336	107	1	to	to	PART
gp-336	107	2	achieve	achieve	VERB
gp-336	107	3	this	this	PRON
gp-336	107	4	,	,	PUNCT
gp-336	107	5	the	the	DET
gp-336	107	6	results	result	NOUN
gp-336	107	7	are	be	AUX
gp-336	107	8	synthesised	synthesise	VERB
gp-336	107	9	,	,	PUNCT
gp-336	107	10	discussing	discuss	VERB
gp-336	107	11	the	the	DET
gp-336	107	12	implications	implication	NOUN
gp-336	107	13	to	to	ADP
gp-336	107	14	the	the	DET
gp-336	107	15	financial	financial	ADJ
gp-336	107	16	managers	manager	NOUN
gp-336	107	17	and	and	CCONJ
gp-336	107	18	the	the	DET
gp-336	107	19	financial	financial	ADJ
gp-336	107	20	services	service	NOUN
gp-336	107	21	industry	industry	NOUN
gp-336	107	22	as	as	ADP
gp-336	107	23	a	a	DET
gp-336	107	24	whole	whole	NOUN
gp-336	107	25	,	,	PUNCT
gp-336	107	26	but	but	CCONJ
gp-336	107	27	also	also	ADV
gp-336	107	28	placing	place	VERB
gp-336	107	29	the	the	DET
gp-336	107	30	findings	finding	NOUN
gp-336	107	31	in	in	ADP
gp-336	107	32	the	the	DET
gp-336	107	33	light	light	NOUN
gp-336	107	34	of	of	ADP
gp-336	107	35	the	the	DET
gp-336	107	36	available	available	ADJ
gp-336	107	37	literature	literature	NOUN
gp-336	107	38	.	.	PUNCT
gp-336	108	1	effects	effect	NOUN
gp-336	108	2	of	of	ADP
gp-336	108	3	the	the	DET
gp-336	108	4	digital	digital	ADJ
gp-336	108	5	tools	tool	NOUN
gp-336	108	6	american	american	ADJ
gp-336	108	7	journal	journal	PROPN
gp-336	108	8	of	of	ADP
gp-336	108	9	economic	economic	ADJ
gp-336	108	10	and	and	CCONJ
gp-336	108	11	management	management	NOUN
gp-336	108	12	business	business	NOUN
gp-336	108	13	vol	vol	NOUN
gp-336	108	14	.	.	PROPN
gp-336	108	15	4	4	NUM
gp-336	108	16	no	no	NOUN
gp-336	108	17	.	.	PUNCT
gp-336	109	1	10	10	NUM
gp-336	109	2	october	october	PROPN
gp-336	109	3	2025	2025	NUM
gp-336	109	4	1660	1660	NUM
gp-336	109	5	the	the	DET
gp-336	109	6	use	use	NOUN
gp-336	109	7	of	of	ADP
gp-336	109	8	cloud	cloud	NOUN
gp-336	109	9	-	-	PUNCT
gp-336	109	10	based	base	VERB
gp-336	109	11	systems	system	NOUN
gp-336	109	12	and	and	CCONJ
gp-336	109	13	platforms	platform	NOUN
gp-336	109	14	,	,	PUNCT
gp-336	109	15	enterprise	enterprise	NOUN
gp-336	109	16	resource	resource	NOUN
gp-336	109	17	planning	planning	NOUN
gp-336	109	18	(	(	PUNCT
gp-336	109	19	erp	erp	PROPN
gp-336	109	20	)	)	PUNCT
gp-336	109	21	,	,	PUNCT
gp-336	109	22	robotic	robotic	ADJ
gp-336	109	23	process	process	NOUN
gp-336	109	24	automation	automation	NOUN
gp-336	109	25	(	(	PUNCT
gp-336	109	26	rpa	rpa	PROPN
gp-336	109	27	)	)	PUNCT
gp-336	109	28	,	,	PUNCT
gp-336	109	29	and	and	CCONJ
gp-336	109	30	artificial	artificial	ADJ
gp-336	109	31	intelligence	intelligence	NOUN
gp-336	109	32	(	(	PUNCT
gp-336	109	33	ai	ai	NOUN
gp-336	109	34	)	)	PUNCT
gp-336	109	35	has	have	AUX
gp-336	109	36	transformed	transform	VERB
gp-336	109	37	financial	financial	ADJ
gp-336	109	38	planning	planning	NOUN
gp-336	109	39	through	through	ADP
gp-336	109	40	live	live	ADJ
gp-336	109	41	data	data	NOUN
gp-336	109	42	access	access	NOUN
gp-336	109	43	,	,	PUNCT
gp-336	109	44	automated	automate	VERB
gp-336	109	45	processes	process	NOUN
gp-336	109	46	and	and	CCONJ
gp-336	109	47	predictive	predictive	ADJ
gp-336	109	48	analytics	analytic	NOUN
gp-336	109	49	.	.	PUNCT
gp-336	110	1	an	an	DET
gp-336	110	2	example	example	NOUN
gp-336	110	3	is	be	AUX
gp-336	110	4	cloud	cloud	ADJ
gp-336	110	5	computing	computing	NOUN
gp-336	110	6	,	,	PUNCT
gp-336	110	7	which	which	PRON
gp-336	110	8	enables	enable	VERB
gp-336	110	9	smooth	smooth	ADJ
gp-336	110	10	collaboration	collaboration	NOUN
gp-336	110	11	and	and	CCONJ
gp-336	110	12	integration	integration	NOUN
gp-336	110	13	of	of	ADP
gp-336	110	14	data	datum	NOUN
gp-336	110	15	and	and	CCONJ
gp-336	110	16	,	,	PUNCT
gp-336	110	17	by	by	ADP
gp-336	110	18	doing	do	VERB
gp-336	110	19	so	so	ADV
gp-336	110	20	,	,	PUNCT
gp-336	110	21	minimises	minimise	NOUN
gp-336	110	22	errors	error	NOUN
gp-336	110	23	and	and	CCONJ
gp-336	110	24	increases	increase	VERB
gp-336	110	25	the	the	DET
gp-336	110	26	accuracy	accuracy	NOUN
gp-336	110	27	of	of	ADP
gp-336	110	28	the	the	DET
gp-336	110	29	forecast	forecast	NOUN
gp-336	110	30	(	(	PUNCT
gp-336	110	31	avira	avira	PROPN
gp-336	110	32	et	et	PROPN
gp-336	110	33	al	al	PROPN
gp-336	110	34	.	.	PROPN
gp-336	110	35	,	,	PUNCT
gp-336	110	36	2023	2023	NUM
gp-336	110	37	)	)	PUNCT
gp-336	110	38	.	.	PUNCT
gp-336	111	1	this	this	PRON
gp-336	111	2	is	be	AUX
gp-336	111	3	in	in	ADP
gp-336	111	4	line	line	NOUN
gp-336	111	5	with	with	ADP
gp-336	111	6	industry	industry	NOUN
gp-336	111	7	reports	report	NOUN
gp-336	111	8	that	that	SCONJ
gp-336	111	9	cloud	cloud	ADJ
gp-336	111	10	solutions	solution	NOUN
gp-336	111	11	such	such	ADJ
gp-336	111	12	as	as	ADP
gp-336	111	13	microsoft	microsoft	PROPN
gp-336	111	14	azure	azure	PROPN
gp-336	111	15	and	and	CCONJ
gp-336	111	16	amazon	amazon	NOUN
gp-336	111	17	web	web	NOUN
gp-336	111	18	services	service	NOUN
gp-336	111	19	offer	offer	VERB
gp-336	111	20	flexible	flexible	ADJ
gp-336	111	21	,	,	PUNCT
gp-336	111	22	scalable	scalable	ADJ
gp-336	111	23	infrastructure	infrastructure	NOUN
gp-336	111	24	,	,	PUNCT
gp-336	111	25	which	which	PRON
gp-336	111	26	enables	enable	VERB
gp-336	111	27	financial	financial	ADJ
gp-336	111	28	managers	manager	NOUN
gp-336	111	29	to	to	PART
gp-336	111	30	meet	meet	VERB
gp-336	111	31	any	any	DET
gp-336	111	32	changing	change	VERB
gp-336	111	33	business	business	NOUN
gp-336	111	34	requirements	requirement	NOUN
gp-336	111	35	without	without	ADP
gp-336	111	36	the	the	DET
gp-336	111	37	need	need	NOUN
gp-336	111	38	to	to	PART
gp-336	111	39	make	make	VERB
gp-336	111	40	considerable	considerable	ADJ
gp-336	111	41	capital	capital	NOUN
gp-336	111	42	investments	investment	NOUN
gp-336	111	43	(	(	PUNCT
gp-336	111	44	the	the	DET
gp-336	111	45	impact	impact	NOUN
gp-336	111	46	of	of	ADP
gp-336	111	47	digital	digital	ADJ
gp-336	111	48	transformation	transformation	NOUN
gp-336	111	49	on	on	ADP
gp-336	111	50	fp&a	fp&a	PROPN
gp-336	111	51	,	,	PUNCT
gp-336	111	52	n.d	n.d	PROPN
gp-336	111	53	.	.	PROPN
gp-336	111	54	)	)	PUNCT
gp-336	111	55	.	.	PUNCT
gp-336	112	1	on	on	ADP
gp-336	112	2	the	the	DET
gp-336	112	3	same	same	ADJ
gp-336	112	4	note	note	NOUN
gp-336	112	5	,	,	PUNCT
gp-336	112	6	erp	erp	PROPN
gp-336	112	7	systems	system	NOUN
gp-336	112	8	combine	combine	VERB
gp-336	112	9	financial	financial	ADJ
gp-336	112	10	and	and	CCONJ
gp-336	112	11	operations	operation	NOUN
gp-336	112	12	information	information	NOUN
gp-336	112	13	,	,	PUNCT
gp-336	112	14	which	which	PRON
gp-336	112	15	provides	provide	VERB
gp-336	112	16	a	a	DET
gp-336	112	17	whole	whole	ADJ
gp-336	112	18	picture	picture	NOUN
gp-336	112	19	that	that	PRON
gp-336	112	20	can	can	AUX
gp-336	112	21	facilitate	facilitate	VERB
gp-336	112	22	strategic	strategic	ADJ
gp-336	112	23	decisions	decision	NOUN
gp-336	112	24	(	(	PUNCT
gp-336	112	25	breuer	breuer	PROPN
gp-336	112	26	&	&	CCONJ
gp-336	112	27	knetsch	knetsch	PROPN
gp-336	112	28	,	,	PUNCT
gp-336	112	29	2023	2023	NUM
gp-336	112	30	)	)	PUNCT
gp-336	112	31	.	.	PUNCT
gp-336	113	1	such	such	DET
gp-336	113	2	a	a	DET
gp-336	113	3	combination	combination	NOUN
gp-336	113	4	,	,	PUNCT
gp-336	113	5	especially	especially	ADV
gp-336	113	6	when	when	SCONJ
gp-336	113	7	applied	apply	VERB
gp-336	113	8	to	to	ADP
gp-336	113	9	big	big	ADJ
gp-336	113	10	organisations	organisation	NOUN
gp-336	113	11	,	,	PUNCT
gp-336	113	12	can	can	AUX
gp-336	113	13	be	be	AUX
gp-336	113	14	of	of	ADP
gp-336	113	15	great	great	ADJ
gp-336	113	16	importance	importance	NOUN
gp-336	113	17	due	due	ADP
gp-336	113	18	to	to	ADP
gp-336	113	19	the	the	DET
gp-336	113	20	fact	fact	NOUN
gp-336	113	21	that	that	SCONJ
gp-336	113	22	data	data	NOUN
gp-336	113	23	silos	silo	NOUN
gp-336	113	24	may	may	AUX
gp-336	113	25	be	be	AUX
gp-336	113	26	created	create	VERB
gp-336	113	27	to	to	PART
gp-336	113	28	inhibit	inhibit	VERB
gp-336	113	29	proper	proper	ADJ
gp-336	113	30	planning	planning	NOUN
gp-336	113	31	within	within	ADP
gp-336	113	32	organisations	organisation	NOUN
gp-336	113	33	.	.	PUNCT
gp-336	114	1	the	the	DET
gp-336	114	2	benefit	benefit	NOUN
gp-336	114	3	of	of	ADP
gp-336	114	4	rpa	rpa	PROPN
gp-336	114	5	is	be	AUX
gp-336	114	6	that	that	SCONJ
gp-336	114	7	it	it	PRON
gp-336	114	8	frees	free	VERB
gp-336	114	9	up	up	ADP
gp-336	114	10	the	the	DET
gp-336	114	11	time	time	NOUN
gp-336	114	12	of	of	ADP
gp-336	114	13	the	the	DET
gp-336	114	14	financial	financial	ADJ
gp-336	114	15	managers	manager	NOUN
gp-336	114	16	,	,	PUNCT
gp-336	114	17	who	who	PRON
gp-336	114	18	will	will	AUX
gp-336	114	19	be	be	AUX
gp-336	114	20	able	able	ADJ
gp-336	114	21	to	to	PART
gp-336	114	22	spend	spend	VERB
gp-336	114	23	it	it	PRON
gp-336	114	24	on	on	ADP
gp-336	114	25	high	high	ADJ
gp-336	114	26	-	-	PUNCT
gp-336	114	27	value	value	NOUN
gp-336	114	28	tasks	task	NOUN
gp-336	114	29	such	such	ADJ
gp-336	114	30	as	as	ADP
gp-336	114	31	risk	risk	NOUN
gp-336	114	32	assessment	assessment	NOUN
gp-336	114	33	and	and	CCONJ
gp-336	114	34	planning	planning	NOUN
gp-336	114	35	(	(	PUNCT
gp-336	114	36	werth	werth	PROPN
gp-336	114	37	et	et	PROPN
gp-336	114	38	al	al	PROPN
gp-336	114	39	.	.	PROPN
gp-336	114	40	,	,	PUNCT
gp-336	114	41	2020	2020	NUM
gp-336	114	42	)	)	PUNCT
gp-336	114	43	.	.	PUNCT
gp-336	115	1	the	the	DET
gp-336	115	2	effectiveness	effectiveness	NOUN
gp-336	115	3	of	of	ADP
gp-336	115	4	up	up	ADP
gp-336	115	5	to	to	PART
gp-336	115	6	30	30	NUM
gp-336	115	7	%	%	NOUN
gp-336	115	8	noted	note	VERB
gp-336	115	9	in	in	ADP
gp-336	115	10	the	the	DET
gp-336	115	11	report	report	NOUN
gp-336	115	12	contributes	contribute	VERB
gp-336	115	13	to	to	ADP
gp-336	115	14	the	the	DET
gp-336	115	15	realisation	realisation	NOUN
gp-336	115	16	that	that	SCONJ
gp-336	115	17	rpa	rpa	PROPN
gp-336	115	18	has	have	AUX
gp-336	115	19	the	the	DET
gp-336	115	20	potential	potential	NOUN
gp-336	115	21	to	to	PART
gp-336	115	22	cut	cut	VERB
gp-336	115	23	down	down	ADP
gp-336	115	24	operational	operational	ADJ
gp-336	115	25	expenses	expense	NOUN
gp-336	115	26	,	,	PUNCT
gp-336	115	27	which	which	PRON
gp-336	115	28	matches	match	VERB
gp-336	115	29	the	the	DET
gp-336	115	30	industry	industry	NOUN
gp-336	115	31	automation	automation	NOUN
gp-336	115	32	objective	objective	NOUN
gp-336	115	33	of	of	ADP
gp-336	115	34	cost	cost	NOUN
gp-336	115	35	optimisation	optimisation	NOUN
gp-336	115	36	(	(	PUNCT
gp-336	115	37	breuer	breuer	PROPN
gp-336	115	38	&	&	CCONJ
gp-336	115	39	knetsch	knetsch	PROPN
gp-336	115	40	,	,	PUNCT
gp-336	115	41	2023	2023	NUM
gp-336	115	42	)	)	PUNCT
gp-336	115	43	.	.	PUNCT
gp-336	116	1	ai	ai	VERB
gp-336	116	2	and	and	CCONJ
gp-336	116	3	enhanced	enhanced	ADJ
gp-336	116	4	analytics	analytic	NOUN
gp-336	116	5	also	also	ADV
gp-336	116	6	help	help	VERB
gp-336	116	7	fp&a	fp&a	PROPN
gp-336	116	8	through	through	ADP
gp-336	116	9	the	the	DET
gp-336	116	10	future	future	ADJ
gp-336	116	11	outlook	outlook	NOUN
gp-336	116	12	and	and	CCONJ
gp-336	116	13	the	the	DET
gp-336	116	14	ability	ability	NOUN
gp-336	116	15	to	to	PART
gp-336	116	16	change	change	VERB
gp-336	116	17	models	model	NOUN
gp-336	116	18	in	in	ADP
gp-336	116	19	real	real	ADJ
gp-336	116	20	-	-	PUNCT
gp-336	116	21	time	time	NOUN
gp-336	116	22	(	(	PUNCT
gp-336	116	23	chlouverakis	chlouverakis	NOUN
gp-336	116	24	&	&	CCONJ
gp-336	116	25	rawal	rawal	PROPN
gp-336	116	26	,	,	PUNCT
gp-336	116	27	2024	2024	NUM
gp-336	116	28	)	)	PUNCT
gp-336	116	29	.	.	PUNCT
gp-336	117	1	financial	financial	ADJ
gp-336	117	2	managers	manager	NOUN
gp-336	117	3	would	would	AUX
gp-336	117	4	allow	allow	VERB
gp-336	117	5	financial	financial	ADJ
gp-336	117	6	managers	manager	NOUN
gp-336	117	7	to	to	PART
gp-336	117	8	predict	predict	VERB
gp-336	117	9	cash	cash	NOUN
gp-336	117	10	flow	flow	NOUN
gp-336	117	11	problems	problem	NOUN
gp-336	117	12	and	and	CCONJ
gp-336	117	13	fine	fine	ADJ
gp-336	117	14	-	-	PUNCT
gp-336	117	15	tune	tune	NOUN
gp-336	117	16	budgets	budget	NOUN
gp-336	117	17	before	before	SCONJ
gp-336	117	18	they	they	PRON
gp-336	117	19	arise	arise	VERB
gp-336	117	20	,	,	PUNCT
gp-336	117	21	which	which	PRON
gp-336	117	22	is	be	AUX
gp-336	117	23	consistent	consistent	ADJ
gp-336	117	24	with	with	ADP
gp-336	117	25	the	the	DET
gp-336	117	26	wider	wide	ADJ
gp-336	117	27	move	move	NOUN
gp-336	117	28	to	to	ADP
gp-336	117	29	data	data	NOUN
gp-336	117	30	-	-	PUNCT
gp-336	117	31	driven	drive	VERB
gp-336	117	32	decision	decision	NOUN
gp-336	117	33	-	-	PUNCT
gp-336	117	34	making	making	NOUN
gp-336	117	35	(	(	PUNCT
gp-336	117	36	gurumurthy	gurumurthy	ADJ
gp-336	117	37	et	et	PROPN
gp-336	117	38	al	al	PROPN
gp-336	117	39	.	.	PROPN
gp-336	117	40	,	,	PUNCT
gp-336	117	41	2020	2020	NUM
gp-336	117	42	)	)	PUNCT
gp-336	117	43	.	.	PUNCT
gp-336	118	1	all	all	DET
gp-336	118	2	these	these	DET
gp-336	118	3	findings	finding	NOUN
gp-336	118	4	imply	imply	VERB
gp-336	118	5	that	that	SCONJ
gp-336	118	6	it	it	PRON
gp-336	118	7	is	be	AUX
gp-336	118	8	possible	possible	ADJ
gp-336	118	9	to	to	PART
gp-336	118	10	move	move	VERB
gp-336	118	11	beyond	beyond	ADP
gp-336	118	12	the	the	DET
gp-336	118	13	traditional	traditional	ADJ
gp-336	118	14	use	use	NOUN
gp-336	118	15	of	of	ADP
gp-336	118	16	digital	digital	ADJ
gp-336	118	17	tools	tool	NOUN
gp-336	118	18	as	as	ADP
gp-336	118	19	purely	purely	ADV
gp-336	118	20	functional	functional	ADJ
gp-336	118	21	aids	aid	NOUN
gp-336	118	22	and	and	CCONJ
gp-336	118	23	that	that	DET
gp-336	118	24	way	way	NOUN
gp-336	118	25	to	to	ADP
gp-336	118	26	the	the	DET
gp-336	118	27	more	more	ADV
gp-336	118	28	strategic	strategic	ADJ
gp-336	118	29	enablers	enabler	NOUN
gp-336	118	30	,	,	PUNCT
gp-336	118	31	where	where	SCONJ
gp-336	118	32	financial	financial	ADJ
gp-336	118	33	managers	manager	NOUN
gp-336	118	34	will	will	AUX
gp-336	118	35	expect	expect	VERB
gp-336	118	36	to	to	PART
gp-336	118	37	be	be	AUX
gp-336	118	38	planning	plan	VERB
gp-336	118	39	less	less	ADV
gp-336	118	40	reactively	reactively	ADV
gp-336	118	41	as	as	SCONJ
gp-336	118	42	opposed	oppose	VERB
gp-336	118	43	to	to	ADP
gp-336	118	44	proactively	proactively	ADV
gp-336	118	45	.	.	PUNCT
gp-336	119	1	nevertheless	nevertheless	ADV
gp-336	119	2	,	,	PUNCT
gp-336	119	3	the	the	DET
gp-336	119	4	success	success	NOUN
gp-336	119	5	of	of	ADP
gp-336	119	6	such	such	ADJ
gp-336	119	7	tools	tool	NOUN
gp-336	119	8	and	and	CCONJ
gp-336	119	9	their	their	PRON
gp-336	119	10	integration	integration	NOUN
gp-336	119	11	into	into	ADP
gp-336	119	12	the	the	DET
gp-336	119	13	current	current	ADJ
gp-336	119	14	working	working	NOUN
gp-336	119	15	process	process	NOUN
gp-336	119	16	and	and	CCONJ
gp-336	119	17	,	,	PUNCT
gp-336	119	18	therefore	therefore	ADV
gp-336	119	19	,	,	PUNCT
gp-336	119	20	the	the	DET
gp-336	119	21	availability	availability	NOUN
gp-336	119	22	of	of	ADP
gp-336	119	23	qualified	qualified	ADJ
gp-336	119	24	human	human	ADJ
gp-336	119	25	resources	resource	NOUN
gp-336	119	26	to	to	PART
gp-336	119	27	explore	explore	VERB
gp-336	119	28	their	their	PRON
gp-336	119	29	features	feature	NOUN
gp-336	119	30	,	,	PUNCT
gp-336	119	31	creates	create	VERB
gp-336	119	32	the	the	DET
gp-336	119	33	necessity	necessity	NOUN
gp-336	119	34	of	of	ADP
gp-336	119	35	comprehensive	comprehensive	ADJ
gp-336	119	36	change	change	NOUN
gp-336	119	37	management	management	NOUN
gp-336	119	38	approaches	approach	NOUN
gp-336	119	39	(	(	PUNCT
gp-336	119	40	fadhricht	fadhricht	NOUN
gp-336	119	41	,	,	PUNCT
gp-336	119	42	2023	2023	NUM
gp-336	119	43	)	)	PUNCT
gp-336	119	44	.	.	PUNCT
gp-336	120	1	recent	recent	ADJ
gp-336	120	2	trends	trend	NOUN
gp-336	120	3	and	and	CCONJ
gp-336	120	4	how	how	SCONJ
gp-336	120	5	they	they	PRON
gp-336	120	6	are	be	AUX
gp-336	120	7	strategic	strategic	ADJ
gp-336	120	8	the	the	DET
gp-336	120	9	roles	role	NOUN
gp-336	120	10	that	that	PRON
gp-336	120	11	the	the	DET
gp-336	120	12	given	give	VERB
gp-336	120	13	trends	trend	NOUN
gp-336	120	14	proposed	propose	VERB
gp-336	120	15	as	as	ADP
gp-336	120	16	real	real	ADJ
gp-336	120	17	-	-	PUNCT
gp-336	120	18	time	time	NOUN
gp-336	120	19	reporting	reporting	NOUN
gp-336	120	20	,	,	PUNCT
gp-336	120	21	esg	esg	NOUN
gp-336	120	22	integration	integration	NOUN
gp-336	120	23	,	,	PUNCT
gp-336	120	24	financial	financial	ADJ
gp-336	120	25	inclusion	inclusion	NOUN
gp-336	120	26	,	,	PUNCT
gp-336	120	27	cybersecurity	cybersecurity	NOUN
gp-336	120	28	,	,	PUNCT
gp-336	120	29	and	and	CCONJ
gp-336	120	30	personalisation	personalisation	NOUN
gp-336	120	31	demonstrate	demonstrate	NOUN
gp-336	120	32	are	be	AUX
gp-336	120	33	related	relate	VERB
gp-336	120	34	to	to	ADP
gp-336	120	35	the	the	DET
gp-336	120	36	current	current	ADJ
gp-336	120	37	changes	change	NOUN
gp-336	120	38	in	in	ADP
gp-336	120	39	the	the	DET
gp-336	120	40	use	use	NOUN
gp-336	120	41	of	of	ADP
gp-336	120	42	financial	financial	ADJ
gp-336	120	43	planning	planning	NOUN
gp-336	120	44	in	in	ADP
gp-336	120	45	a	a	DET
gp-336	120	46	digitalised	digitalised	ADJ
gp-336	120	47	environment	environment	NOUN
gp-336	120	48	.	.	PUNCT
gp-336	121	1	the	the	DET
gp-336	121	2	use	use	NOUN
gp-336	121	3	of	of	ADP
gp-336	121	4	real	real	ADJ
gp-336	121	5	-	-	PUNCT
gp-336	121	6	time	time	NOUN
gp-336	121	7	reporting	reporting	NOUN
gp-336	121	8	tools	tool	NOUN
gp-336	121	9	,	,	PUNCT
gp-336	121	10	such	such	ADJ
gp-336	121	11	as	as	ADP
gp-336	121	12	tableau	tableau	PROPN
gp-336	121	13	and	and	CCONJ
gp-336	121	14	power	power	NOUN
gp-336	121	15	bi	bi	PROPN
gp-336	121	16	,	,	PUNCT
gp-336	121	17	will	will	AUX
gp-336	121	18	enable	enable	VERB
gp-336	121	19	financial	financial	ADJ
gp-336	121	20	managers	manager	NOUN
gp-336	121	21	to	to	PART
gp-336	121	22	act	act	VERB
gp-336	121	23	swiftly	swiftly	ADV
gp-336	121	24	to	to	ADP
gp-336	121	25	market	market	NOUN
gp-336	121	26	fluctuations	fluctuation	NOUN
gp-336	121	27	that	that	PRON
gp-336	121	28	are	be	AUX
gp-336	121	29	important	important	ADJ
gp-336	121	30	functions	function	NOUN
gp-336	121	31	in	in	ADP
gp-336	121	32	industries	industry	NOUN
gp-336	121	33	that	that	PRON
gp-336	121	34	have	have	VERB
gp-336	121	35	a	a	DET
gp-336	121	36	fast	fast	ADJ
gp-336	121	37	economic	economic	ADJ
gp-336	121	38	cycle	cycle	NOUN
gp-336	121	39	(	(	PUNCT
gp-336	121	40	deloitte	deloitte	PROPN
gp-336	121	41	,	,	PUNCT
gp-336	121	42	n.d	n.d	PROPN
gp-336	121	43	.	.	PROPN
gp-336	121	44	)	)	PUNCT
gp-336	121	45	.	.	PUNCT
gp-336	122	1	the	the	DET
gp-336	122	2	tendency	tendency	NOUN
gp-336	122	3	is	be	AUX
gp-336	122	4	in	in	ADP
gp-336	122	5	line	line	NOUN
gp-336	122	6	with	with	ADP
gp-336	122	7	the	the	DET
gp-336	122	8	overall	overall	ADJ
gp-336	122	9	movement	movement	NOUN
gp-336	122	10	to	to	ADP
gp-336	122	11	dynamic	dynamic	ADJ
gp-336	122	12	and	and	CCONJ
gp-336	122	13	data	data	NOUN
gp-336	122	14	-	-	PUNCT
gp-336	122	15	driven	drive	VERB
gp-336	122	16	fp&a	fp&a	PROPN
gp-336	122	17	,	,	PUNCT
gp-336	122	18	in	in	ADP
gp-336	122	19	which	which	PRON
gp-336	122	20	timely	timely	ADJ
gp-336	122	21	insights	insight	NOUN
gp-336	122	22	are	be	AUX
gp-336	122	23	keys	key	NOUN
gp-336	122	24	to	to	PART
gp-336	122	25	remain	remain	VERB
gp-336	122	26	competitive	competitive	ADJ
gp-336	122	27	(	(	PUNCT
gp-336	122	28	the	the	DET
gp-336	122	29	impact	impact	NOUN
gp-336	122	30	of	of	ADP
gp-336	122	31	digital	digital	ADJ
gp-336	122	32	transformation	transformation	NOUN
gp-336	122	33	on	on	ADP
gp-336	122	34	fp&a	fp&a	PROPN
gp-336	122	35	,	,	PUNCT
gp-336	122	36	n.d	n.d	PROPN
gp-336	122	37	.	.	PROPN
gp-336	122	38	)	)	PUNCT
gp-336	122	39	.	.	PUNCT
gp-336	123	1	the	the	DET
gp-336	123	2	incorporation	incorporation	NOUN
gp-336	123	3	of	of	ADP
gp-336	123	4	esg	esg	PROPN
gp-336	123	5	is	be	AUX
gp-336	123	6	becoming	become	VERB
gp-336	123	7	more	more	ADV
gp-336	123	8	and	and	CCONJ
gp-336	123	9	more	more	ADV
gp-336	123	10	prominent	prominent	ADJ
gp-336	123	11	in	in	ADP
gp-336	123	12	the	the	DET
gp-336	123	13	future	future	NOUN
gp-336	123	14	of	of	ADP
gp-336	123	15	financial	financial	ADJ
gp-336	123	16	planning	planning	NOUN
gp-336	123	17	due	due	ADP
gp-336	123	18	to	to	ADP
gp-336	123	19	both	both	PRON
gp-336	123	20	the	the	DET
gp-336	123	21	demands	demand	NOUN
gp-336	123	22	of	of	ADP
gp-336	123	23	stakeholders	stakeholder	NOUN
gp-336	123	24	on	on	ADP
gp-336	123	25	sustainable	sustainable	ADJ
gp-336	123	26	business	business	NOUN
gp-336	123	27	and	and	CCONJ
gp-336	123	28	government	government	NOUN
gp-336	123	29	policies	policy	NOUN
gp-336	123	30	(	(	PUNCT
gp-336	123	31	mavlutova	mavlutova	X
gp-336	123	32	et	et	PROPN
gp-336	123	33	al	al	PROPN
gp-336	123	34	.	.	PROPN
gp-336	123	35	,	,	PUNCT
gp-336	123	36	2023	2023	NUM
gp-336	123	37	)	)	PUNCT
gp-336	123	38	.	.	PUNCT
gp-336	124	1	financial	financial	ADJ
gp-336	124	2	managers	manager	NOUN
gp-336	124	3	are	be	AUX
gp-336	124	4	able	able	ADJ
gp-336	124	5	to	to	PART
gp-336	124	6	conduct	conduct	VERB
gp-336	124	7	investments	investment	NOUN
gp-336	124	8	according	accord	VERB
gp-336	124	9	to	to	ADP
gp-336	124	10	the	the	DET
gp-336	124	11	digitalisation	digitalisation	NOUN
gp-336	124	12	in	in	ADP
gp-336	124	13	financial	financial	ADJ
gp-336	124	14	planning	planning	NOUN
gp-336	124	15	:	:	PUNCT
gp-336	124	16	tools	tool	NOUN
gp-336	124	17	and	and	CCONJ
gp-336	124	18	trends	trend	NOUN
gp-336	124	19	for	for	ADP
gp-336	124	20	modern	modern	ADJ
gp-336	124	21	financial	financial	ADJ
gp-336	124	22	managers	manager	NOUN
gp-336	124	23	1661	1661	NUM
gp-336	124	24	conditions	condition	NOUN
gp-336	124	25	of	of	ADP
gp-336	124	26	sustainable	sustainable	ADJ
gp-336	124	27	development	development	NOUN
gp-336	124	28	through	through	ADP
gp-336	124	29	digital	digital	ADJ
gp-336	124	30	platforms	platform	NOUN
gp-336	124	31	monitoring	monitor	VERB
gp-336	124	32	the	the	DET
gp-336	124	33	esg	esg	PROPN
gp-336	124	34	metrics	metric	NOUN
gp-336	124	35	,	,	PUNCT
gp-336	124	36	which	which	PRON
gp-336	124	37	helps	help	VERB
gp-336	124	38	improve	improve	VERB
gp-336	124	39	the	the	DET
gp-336	124	40	corporate	corporate	ADJ
gp-336	124	41	image	image	NOUN
gp-336	124	42	and	and	CCONJ
gp-336	124	43	long	long	ADJ
gp-336	124	44	-	-	PUNCT
gp-336	124	45	term	term	NOUN
gp-336	124	46	profitability	profitability	NOUN
gp-336	124	47	(	(	PUNCT
gp-336	124	48	gulati	gulati	PROPN
gp-336	124	49	&	&	CCONJ
gp-336	124	50	singh	singh	PROPN
gp-336	124	51	,	,	PUNCT
gp-336	124	52	2024	2024	NUM
gp-336	124	53	)	)	PUNCT
gp-336	124	54	.	.	PUNCT
gp-336	125	1	the	the	DET
gp-336	125	2	trend	trend	NOUN
gp-336	125	3	highlights	highlight	VERB
gp-336	125	4	the	the	DET
gp-336	125	5	increasing	increase	VERB
gp-336	125	6	level	level	NOUN
gp-336	125	7	at	at	ADP
gp-336	125	8	which	which	PRON
gp-336	125	9	both	both	CCONJ
gp-336	125	10	financial	financial	ADJ
gp-336	125	11	performance	performance	NOUN
gp-336	125	12	and	and	CCONJ
gp-336	125	13	social	social	ADJ
gp-336	125	14	responsibility	responsibility	NOUN
gp-336	125	15	have	have	AUX
gp-336	125	16	come	come	VERB
gp-336	125	17	to	to	PART
gp-336	125	18	be	be	AUX
gp-336	125	19	intertwined	intertwine	VERB
gp-336	125	20	as	as	ADP
gp-336	125	21	a	a	DET
gp-336	125	22	trend	trend	NOUN
gp-336	125	23	that	that	PRON
gp-336	125	24	presents	present	VERB
gp-336	125	25	a	a	DET
gp-336	125	26	situation	situation	NOUN
gp-336	125	27	where	where	SCONJ
gp-336	125	28	financial	financial	ADJ
gp-336	125	29	managers	manager	NOUN
gp-336	125	30	are	be	AUX
gp-336	125	31	now	now	ADV
gp-336	125	32	required	require	VERB
gp-336	125	33	to	to	PART
gp-336	125	34	integrate	integrate	VERB
gp-336	125	35	economic	economic	ADJ
gp-336	125	36	and	and	CCONJ
gp-336	125	37	ethical	ethical	ADJ
gp-336	125	38	aspects	aspect	NOUN
gp-336	125	39	.	.	PUNCT
gp-336	126	1	with	with	ADP
gp-336	126	2	the	the	DET
gp-336	126	3	help	help	NOUN
gp-336	126	4	of	of	ADP
gp-336	126	5	digital	digital	ADJ
gp-336	126	6	financial	financial	ADJ
gp-336	126	7	services	service	NOUN
gp-336	126	8	such	such	ADJ
gp-336	126	9	as	as	ADP
gp-336	126	10	mobile	mobile	ADJ
gp-336	126	11	banking	banking	NOUN
gp-336	126	12	and	and	CCONJ
gp-336	126	13	blockchain	blockchain	PROPN
gp-336	126	14	-	-	PUNCT
gp-336	126	15	based	base	VERB
gp-336	126	16	platforms	platform	NOUN
gp-336	126	17	,	,	PUNCT
gp-336	126	18	access	access	NOUN
gp-336	126	19	becomes	become	VERB
gp-336	126	20	more	more	ADV
gp-336	126	21	extensive	extensive	ADJ
gp-336	126	22	,	,	PUNCT
gp-336	126	23	as	as	SCONJ
gp-336	126	24	financial	financial	ADJ
gp-336	126	25	inclusion	inclusion	NOUN
gp-336	126	26	involves	involve	VERB
gp-336	126	27	populations	population	NOUN
gp-336	126	28	that	that	PRON
gp-336	126	29	have	have	AUX
gp-336	126	30	not	not	PART
gp-336	126	31	been	be	AUX
gp-336	126	32	traditionally	traditionally	ADV
gp-336	126	33	served	serve	VERB
gp-336	126	34	by	by	ADP
gp-336	126	35	fp&a	fp&a	PROPN
gp-336	126	36	(	(	PUNCT
gp-336	126	37	sharma	sharma	PROPN
gp-336	126	38	&	&	CCONJ
gp-336	126	39	diaz	diaz	PROPN
gp-336	126	40	andrade	andrade	PROPN
gp-336	126	41	,	,	PUNCT
gp-336	126	42	2023	2023	NUM
gp-336	126	43	)	)	PUNCT
gp-336	126	44	.	.	PUNCT
gp-336	127	1	blockchain	blockchain	PROPN
gp-336	127	2	can	can	AUX
gp-336	127	3	increase	increase	VERB
gp-336	127	4	the	the	DET
gp-336	127	5	level	level	NOUN
gp-336	127	6	of	of	ADP
gp-336	127	7	transparency	transparency	NOUN
gp-336	127	8	and	and	CCONJ
gp-336	127	9	security	security	NOUN
gp-336	127	10	related	relate	VERB
gp-336	127	11	to	to	ADP
gp-336	127	12	a	a	DET
gp-336	127	13	transaction	transaction	NOUN
gp-336	127	14	,	,	PUNCT
gp-336	127	15	and	and	CCONJ
gp-336	127	16	this	this	PRON
gp-336	127	17	increases	increase	VERB
gp-336	127	18	levels	level	NOUN
gp-336	127	19	of	of	ADP
gp-336	127	20	trust	trust	NOUN
gp-336	127	21	,	,	PUNCT
gp-336	127	22	especially	especially	ADV
gp-336	127	23	in	in	ADP
gp-336	127	24	areas	area	NOUN
gp-336	127	25	where	where	SCONJ
gp-336	127	26	access	access	NOUN
gp-336	127	27	to	to	ADP
gp-336	127	28	banking	banking	NOUN
gp-336	127	29	options	option	NOUN
gp-336	127	30	is	be	AUX
gp-336	127	31	restricted	restrict	VERB
gp-336	127	32	(	(	PUNCT
gp-336	127	33	nwoke	nwoke	NOUN
gp-336	127	34	,	,	PUNCT
gp-336	127	35	2024	2024	NUM
gp-336	127	36	)	)	PUNCT
gp-336	127	37	.	.	PUNCT
gp-336	128	1	this	this	DET
gp-336	128	2	tendency	tendency	NOUN
gp-336	128	3	indicates	indicate	VERB
gp-336	128	4	how	how	SCONJ
gp-336	128	5	digitalisation	digitalisation	NOUN
gp-336	128	6	can	can	AUX
gp-336	128	7	make	make	VERB
gp-336	128	8	financial	financial	ADJ
gp-336	128	9	planning	planning	NOUN
gp-336	128	10	more	more	ADV
gp-336	128	11	democratic	democratic	ADJ
gp-336	128	12	,	,	PUNCT
gp-336	128	13	opening	open	VERB
gp-336	128	14	new	new	ADJ
gp-336	128	15	opportunities	opportunity	NOUN
gp-336	128	16	both	both	CCONJ
gp-336	128	17	to	to	ADP
gp-336	128	18	financial	financial	ADJ
gp-336	128	19	institutions	institution	NOUN
gp-336	128	20	and	and	CCONJ
gp-336	128	21	individual	individual	ADJ
gp-336	128	22	clients	client	NOUN
gp-336	128	23	.	.	PUNCT
gp-336	129	1	the	the	DET
gp-336	129	2	issue	issue	NOUN
gp-336	129	3	of	of	ADP
gp-336	129	4	cybersecurity	cybersecurity	NOUN
gp-336	129	5	becomes	become	VERB
gp-336	129	6	an	an	DET
gp-336	129	7	especially	especially	ADV
gp-336	129	8	alarming	alarming	ADJ
gp-336	129	9	topic	topic	NOUN
gp-336	129	10	,	,	PUNCT
gp-336	129	11	with	with	ADP
gp-336	129	12	the	the	DET
gp-336	129	13	increased	increase	VERB
gp-336	129	14	exposure	exposure	NOUN
gp-336	129	15	to	to	ADP
gp-336	129	16	the	the	DET
gp-336	129	17	use	use	NOUN
gp-336	129	18	of	of	ADP
gp-336	129	19	digital	digital	ADJ
gp-336	129	20	tools	tool	NOUN
gp-336	129	21	posing	pose	VERB
gp-336	129	22	a	a	DET
gp-336	129	23	greater	great	ADJ
gp-336	129	24	risk	risk	NOUN
gp-336	129	25	of	of	ADP
gp-336	129	26	data	datum	NOUN
gp-336	129	27	breach	breach	NOUN
gp-336	129	28	(	(	PUNCT
gp-336	129	29	rivero	rivero	PROPN
gp-336	129	30	del	del	PROPN
gp-336	129	31	paso	paso	PROPN
gp-336	129	32	et	et	PROPN
gp-336	129	33	al	al	PROPN
gp-336	129	34	.	.	PROPN
gp-336	129	35	,	,	PUNCT
gp-336	129	36	2023	2023	NUM
gp-336	129	37	)	)	PUNCT
gp-336	129	38	.	.	PUNCT
gp-336	130	1	the	the	DET
gp-336	130	2	encryption	encryption	NOUN
gp-336	130	3	,	,	PUNCT
gp-336	130	4	use	use	NOUN
gp-336	130	5	of	of	ADP
gp-336	130	6	multi	multi	ADJ
gp-336	130	7	-	-	ADJ
gp-336	130	8	factor	factor	NOUN
gp-336	130	9	authentication	authentication	NOUN
gp-336	130	10	and	and	CCONJ
gp-336	130	11	becoming	become	VERB
gp-336	130	12	gdpr	gdpr	NOUN
gp-336	130	13	compliant	compliant	ADJ
gp-336	130	14	a	a	DET
gp-336	130	15	necessary	necessary	ADJ
gp-336	130	16	direction	direction	NOUN
gp-336	130	17	to	to	PART
gp-336	130	18	ensure	ensure	VERB
gp-336	130	19	the	the	DET
gp-336	130	20	protection	protection	NOUN
gp-336	130	21	of	of	ADP
gp-336	130	22	sensitive	sensitive	ADJ
gp-336	130	23	financial	financial	ADJ
gp-336	130	24	information	information	NOUN
gp-336	130	25	,	,	PUNCT
gp-336	130	26	especially	especially	ADV
gp-336	130	27	when	when	SCONJ
gp-336	130	28	it	it	PRON
gp-336	130	29	comes	come	VERB
gp-336	130	30	to	to	ADP
gp-336	130	31	the	the	DET
gp-336	130	32	financial	financial	ADJ
gp-336	130	33	management	management	NOUN
gp-336	130	34	of	of	ADP
gp-336	130	35	the	the	DET
gp-336	130	36	population	population	NOUN
gp-336	130	37	(	(	PUNCT
gp-336	130	38	thottoli	thottoli	NOUN
gp-336	130	39	et	et	PROPN
gp-336	130	40	al	al	PROPN
gp-336	130	41	.	.	PROPN
gp-336	130	42	,	,	PUNCT
gp-336	130	43	2023	2023	NUM
gp-336	130	44	)	)	PUNCT
gp-336	130	45	.	.	PUNCT
gp-336	131	1	the	the	DET
gp-336	131	2	result	result	NOUN
gp-336	131	3	highlights	highlight	VERB
gp-336	131	4	the	the	DET
gp-336	131	5	importance	importance	NOUN
gp-336	131	6	of	of	ADP
gp-336	131	7	data	datum	NOUN
gp-336	131	8	governance	governance	NOUN
gp-336	131	9	as	as	ADP
gp-336	131	10	one	one	NUM
gp-336	131	11	of	of	ADP
gp-336	131	12	the	the	DET
gp-336	131	13	primary	primary	ADJ
gp-336	131	14	digital	digital	ADJ
gp-336	131	15	transformation	transformation	NOUN
gp-336	131	16	initiatives	initiative	NOUN
gp-336	131	17	that	that	PRON
gp-336	131	18	requires	require	VERB
gp-336	131	19	the	the	DET
gp-336	131	20	attention	attention	NOUN
gp-336	131	21	of	of	ADP
gp-336	131	22	financial	financial	ADJ
gp-336	131	23	managers	manager	NOUN
gp-336	131	24	.	.	PUNCT
gp-336	132	1	relying	rely	VERB
gp-336	132	2	on	on	ADP
gp-336	132	3	ai	ai	ADJ
gp-336	132	4	-	-	PUNCT
gp-336	132	5	based	base	VERB
gp-336	132	6	robo	robo	NOUN
gp-336	132	7	-	-	PUNCT
gp-336	132	8	advisors	advisor	NOUN
gp-336	132	9	,	,	PUNCT
gp-336	132	10	such	such	ADJ
gp-336	132	11	as	as	ADP
gp-336	132	12	betterment	betterment	NOUN
gp-336	132	13	and	and	CCONJ
gp-336	132	14	wealthfront	wealthfront	NOUN
gp-336	132	15	,	,	PUNCT
gp-336	132	16	personalisation	personalisation	NOUN
gp-336	132	17	is	be	AUX
gp-336	132	18	a	a	DET
gp-336	132	19	response	response	NOUN
gp-336	132	20	to	to	ADP
gp-336	132	21	the	the	DET
gp-336	132	22	client	client	NOUN
gp-336	132	23	's	's	PART
gp-336	132	24	need	need	NOUN
gp-336	132	25	to	to	PART
gp-336	132	26	receive	receive	VERB
gp-336	132	27	the	the	DET
gp-336	132	28	financial	financial	ADJ
gp-336	132	29	services	service	NOUN
gp-336	132	30	that	that	PRON
gp-336	132	31	suit	suit	VERB
gp-336	132	32	their	their	PRON
gp-336	132	33	needs	need	NOUN
gp-336	132	34	(	(	PUNCT
gp-336	132	35	gulati	gulati	PROPN
gp-336	132	36	&	&	CCONJ
gp-336	132	37	singh	singh	PROPN
gp-336	132	38	,	,	PUNCT
gp-336	132	39	2024	2024	NUM
gp-336	132	40	)	)	PUNCT
gp-336	132	41	.	.	PUNCT
gp-336	133	1	this	this	DET
gp-336	133	2	tendency	tendency	NOUN
gp-336	133	3	is	be	AUX
gp-336	133	4	especially	especially	ADV
gp-336	133	5	strong	strong	ADJ
gp-336	133	6	in	in	ADP
gp-336	133	7	the	the	DET
gp-336	133	8	market	market	NOUN
gp-336	133	9	of	of	ADP
gp-336	133	10	wealth	wealth	NOUN
gp-336	133	11	management	management	NOUN
gp-336	133	12	,	,	PUNCT
gp-336	133	13	where	where	SCONJ
gp-336	133	14	individual	individual	ADJ
gp-336	133	15	investment	investment	NOUN
gp-336	133	16	plans	plan	NOUN
gp-336	133	17	increase	increase	VERB
gp-336	133	18	the	the	DET
gp-336	133	19	satisfaction	satisfaction	NOUN
gp-336	133	20	and	and	CCONJ
gp-336	133	21	retention	retention	NOUN
gp-336	133	22	of	of	ADP
gp-336	133	23	customers	customer	NOUN
gp-336	133	24	(	(	PUNCT
gp-336	133	25	maddevs	maddevs	NOUN
gp-336	133	26	,	,	PUNCT
gp-336	133	27	n.d	n.d	PROPN
gp-336	133	28	.	.	PROPN
gp-336	133	29	)	)	PUNCT
gp-336	133	30	.	.	PUNCT
gp-336	134	1	this	this	DET
gp-336	134	2	trend	trend	NOUN
gp-336	134	3	in	in	ADP
gp-336	134	4	personalisation	personalisation	NOUN
gp-336	134	5	is	be	AUX
gp-336	134	6	part	part	NOUN
gp-336	134	7	of	of	ADP
gp-336	134	8	the	the	DET
gp-336	134	9	general	general	ADJ
gp-336	134	10	trend	trend	NOUN
gp-336	134	11	in	in	ADP
gp-336	134	12	customer	customer	NOUN
gp-336	134	13	-	-	PUNCT
gp-336	134	14	focused	focus	VERB
gp-336	134	15	financial	financial	ADJ
gp-336	134	16	planning	planning	NOUN
gp-336	134	17	,	,	PUNCT
gp-336	134	18	and	and	CCONJ
gp-336	134	19	to	to	PART
gp-336	134	20	be	be	AUX
gp-336	134	21	successful	successful	ADJ
gp-336	134	22	,	,	PUNCT
gp-336	134	23	financial	financial	ADJ
gp-336	134	24	managers	manager	NOUN
gp-336	134	25	should	should	AUX
gp-336	134	26	use	use	VERB
gp-336	134	27	ai	ai	VERB
gp-336	134	28	to	to	PART
gp-336	134	29	best	good	ADJ
gp-336	134	30	fit	fit	ADJ
gp-336	134	31	consumer	consumer	NOUN
gp-336	134	32	demands	demand	NOUN
gp-336	134	33	to	to	PART
gp-336	134	34	achieve	achieve	VERB
gp-336	134	35	this	this	DET
gp-336	134	36	goal	goal	NOUN
gp-336	134	37	efficiently	efficiently	ADV
gp-336	134	38	.	.	PUNCT
gp-336	135	1	issues	issue	NOUN
gp-336	135	2	and	and	CCONJ
gp-336	135	3	preventive	preventive	ADJ
gp-336	135	4	measures	measure	NOUN
gp-336	135	5	although	although	SCONJ
gp-336	135	6	digitalisation	digitalisation	NOUN
gp-336	135	7	has	have	VERB
gp-336	135	8	a	a	DET
gp-336	135	9	wide	wide	ADJ
gp-336	135	10	range	range	NOUN
gp-336	135	11	of	of	ADP
gp-336	135	12	benefits	benefit	NOUN
gp-336	135	13	,	,	PUNCT
gp-336	135	14	it	it	PRON
gp-336	135	15	is	be	AUX
gp-336	135	16	complicated	complicate	VERB
gp-336	135	17	by	by	ADP
gp-336	135	18	a	a	DET
gp-336	135	19	number	number	NOUN
gp-336	135	20	of	of	ADP
gp-336	135	21	challenges	challenge	NOUN
gp-336	135	22	that	that	PRON
gp-336	135	23	appear	appear	VERB
gp-336	135	24	during	during	ADP
gp-336	135	25	its	its	PRON
gp-336	135	26	implementation	implementation	NOUN
gp-336	135	27	in	in	ADP
gp-336	135	28	the	the	DET
gp-336	135	29	field	field	NOUN
gp-336	135	30	of	of	ADP
gp-336	135	31	financial	financial	ADJ
gp-336	135	32	planning	planning	NOUN
gp-336	135	33	.	.	PUNCT
gp-336	136	1	the	the	DET
gp-336	136	2	cost	cost	NOUN
gp-336	136	3	of	of	ADP
gp-336	136	4	implementation	implementation	NOUN
gp-336	136	5	is	be	AUX
gp-336	136	6	very	very	ADV
gp-336	136	7	high	high	ADJ
gp-336	136	8	both	both	PRON
gp-336	136	9	in	in	ADP
gp-336	136	10	terms	term	NOUN
gp-336	136	11	of	of	ADP
gp-336	136	12	investments	investment	NOUN
gp-336	136	13	in	in	ADP
gp-336	136	14	infrastructure	infrastructure	NOUN
gp-336	136	15	and	and	CCONJ
gp-336	136	16	training	training	NOUN
gp-336	136	17	,	,	PUNCT
gp-336	136	18	and	and	CCONJ
gp-336	136	19	is	be	AUX
gp-336	136	20	a	a	DET
gp-336	136	21	major	major	ADJ
gp-336	136	22	disadvantage	disadvantage	NOUN
gp-336	136	23	,	,	PUNCT
gp-336	136	24	especially	especially	ADV
gp-336	136	25	to	to	ADP
gp-336	136	26	small	small	ADJ
gp-336	136	27	and	and	CCONJ
gp-336	136	28	medium	medium	ADJ
gp-336	136	29	-	-	PUNCT
gp-336	136	30	sized	sized	ADJ
gp-336	136	31	enterprises	enterprise	NOUN
gp-336	136	32	(	(	PUNCT
gp-336	136	33	werth	werth	PROPN
gp-336	136	34	et	et	PROPN
gp-336	136	35	al	al	PROPN
gp-336	136	36	.	.	PROPN
gp-336	136	37	,	,	PUNCT
gp-336	136	38	2020	2020	NUM
gp-336	136	39	)	)	PUNCT
gp-336	136	40	.	.	PUNCT
gp-336	137	1	these	these	DET
gp-336	137	2	costs	cost	NOUN
gp-336	137	3	can	can	AUX
gp-336	137	4	be	be	AUX
gp-336	137	5	addressed	address	VERB
gp-336	137	6	through	through	ADP
gp-336	137	7	phased	phase	VERB
gp-336	137	8	adoption	adoption	NOUN
gp-336	137	9	and	and	CCONJ
gp-336	137	10	increased	increase	VERB
gp-336	137	11	use	use	NOUN
gp-336	137	12	of	of	ADP
gp-336	137	13	cloud	cloud	NOUN
gp-336	137	14	-	-	PUNCT
gp-336	137	15	based	base	VERB
gp-336	137	16	solutions	solution	NOUN
gp-336	137	17	,	,	PUNCT
gp-336	137	18	since	since	SCONJ
gp-336	137	19	such	such	ADJ
gp-336	137	20	adoption	adoption	NOUN
gp-336	137	21	opportunities	opportunity	NOUN
gp-336	137	22	can	can	AUX
gp-336	137	23	enable	enable	VERB
gp-336	137	24	large	large	ADJ
gp-336	137	25	-	-	PUNCT
gp-336	137	26	scale	scale	NOUN
gp-336	137	27	changes	change	NOUN
gp-336	137	28	in	in	ADP
gp-336	137	29	the	the	DET
gp-336	137	30	digital	digital	ADJ
gp-336	137	31	infrastructure	infrastructure	NOUN
gp-336	137	32	of	of	ADP
gp-336	137	33	organisations	organisation	NOUN
gp-336	137	34	over	over	ADP
gp-336	137	35	time	time	NOUN
gp-336	137	36	(	(	PUNCT
gp-336	137	37	avira	avira	PROPN
gp-336	137	38	et	et	PROPN
gp-336	137	39	al	al	PROPN
gp-336	137	40	.	.	PROPN
gp-336	137	41	,	,	PUNCT
gp-336	137	42	2023	2023	NUM
gp-336	137	43	)	)	PUNCT
gp-336	137	44	.	.	PUNCT
gp-336	138	1	opposition	opposition	NOUN
gp-336	138	2	to	to	ADP
gp-336	138	3	new	new	ADJ
gp-336	138	4	technologies	technology	NOUN
gp-336	138	5	by	by	ADP
gp-336	138	6	employees	employee	NOUN
gp-336	138	7	is	be	AUX
gp-336	138	8	a	a	DET
gp-336	138	9	secondary	secondary	ADJ
gp-336	138	10	-	-	PUNCT
gp-336	138	11	level	level	NOUN
gp-336	138	12	task	task	NOUN
gp-336	138	13	as	as	ADV
gp-336	138	14	well	well	ADV
gp-336	138	15	because	because	SCONJ
gp-336	138	16	they	they	PRON
gp-336	138	17	might	might	AUX
gp-336	138	18	not	not	PART
gp-336	138	19	be	be	AUX
gp-336	138	20	willing	willing	ADJ
gp-336	138	21	to	to	PART
gp-336	138	22	replace	replace	VERB
gp-336	138	23	old	old	ADJ
gp-336	138	24	workflows	workflow	NOUN
gp-336	138	25	with	with	ADP
gp-336	138	26	new	new	ADJ
gp-336	138	27	ones	one	NOUN
gp-336	138	28	in	in	ADP
gp-336	138	29	some	some	DET
gp-336	138	30	old	old	ADJ
gp-336	138	31	financial	financial	ADJ
gp-336	138	32	institutions	institution	NOUN
gp-336	138	33	(	(	PUNCT
gp-336	138	34	fahndrich	fahndrich	NOUN
gp-336	138	35	,	,	PUNCT
gp-336	138	36	2023	2023	NUM
gp-336	138	37	)	)	PUNCT
gp-336	138	38	.	.	PUNCT
gp-336	139	1	this	this	DET
gp-336	139	2	resistance	resistance	NOUN
gp-336	139	3	is	be	AUX
gp-336	139	4	difficult	difficult	ADJ
gp-336	139	5	to	to	PART
gp-336	139	6	overcome	overcome	VERB
gp-336	139	7	,	,	PUNCT
gp-336	139	8	but	but	CCONJ
gp-336	139	9	it	it	PRON
gp-336	139	10	can	can	AUX
gp-336	139	11	be	be	AUX
gp-336	139	12	combated	combat	VERB
gp-336	139	13	with	with	ADP
gp-336	139	14	the	the	DET
gp-336	139	15	appropriate	appropriate	ADJ
gp-336	139	16	spice	spice	NOUN
gp-336	139	17	of	of	ADP
gp-336	139	18	upskilling	upskille	VERB
gp-336	139	19	programs	program	NOUN
gp-336	139	20	and	and	CCONJ
gp-336	139	21	change	change	VERB
gp-336	139	22	management	management	NOUN
gp-336	139	23	initiatives	initiative	NOUN
gp-336	139	24	to	to	PART
gp-336	139	25	make	make	VERB
gp-336	139	26	sure	sure	ADJ
gp-336	139	27	that	that	SCONJ
gp-336	139	28	financial	financial	ADJ
gp-336	139	29	managers	manager	NOUN
gp-336	139	30	can	can	AUX
gp-336	139	31	learn	learn	VERB
gp-336	139	32	to	to	PART
gp-336	139	33	take	take	VERB
gp-336	139	34	advantage	advantage	NOUN
gp-336	139	35	of	of	ADP
gp-336	139	36	digital	digital	ADJ
gp-336	139	37	tools	tool	NOUN
gp-336	139	38	.	.	PUNCT
gp-336	140	1	the	the	DET
gp-336	140	2	current	current	ADJ
gp-336	140	3	issue	issue	NOUN
gp-336	140	4	of	of	ADP
gp-336	140	5	data	datum	NOUN
gp-336	140	6	privacy	privacy	NOUN
gp-336	140	7	risks	risk	NOUN
gp-336	140	8	is	be	AUX
gp-336	140	9	a	a	DET
gp-336	140	10	priority	priority	NOUN
gp-336	140	11	concern	concern	NOUN
gp-336	140	12	,	,	PUNCT
gp-336	140	13	as	as	SCONJ
gp-336	140	14	digital	digital	ADJ
gp-336	140	15	platforms	platform	NOUN
gp-336	140	16	expose	expose	VERB
gp-336	140	17	users	user	NOUN
gp-336	140	18	to	to	ADP
gp-336	140	19	a	a	DET
gp-336	140	20	greater	great	ADJ
gp-336	140	21	risk	risk	NOUN
gp-336	140	22	of	of	ADP
gp-336	140	23	cyberattacks	cyberattack	NOUN
gp-336	140	24	(	(	PUNCT
gp-336	140	25	thottoli	thottoli	NOUN
gp-336	140	26	et	et	PROPN
gp-336	140	27	al	al	PROPN
gp-336	140	28	.	.	PROPN
gp-336	140	29	,	,	PUNCT
gp-336	140	30	2023	2023	NUM
gp-336	140	31	)	)	PUNCT
gp-336	140	32	.	.	PUNCT
gp-336	141	1	it	it	PRON
gp-336	141	2	is	be	AUX
gp-336	141	3	crucial	crucial	ADJ
gp-336	141	4	to	to	PART
gp-336	141	5	adhere	adhere	VERB
gp-336	141	6	to	to	ADP
gp-336	141	7	a	a	DET
gp-336	141	8	strong	strong	ADJ
gp-336	141	9	american	american	ADJ
gp-336	141	10	journal	journal	NOUN
gp-336	141	11	of	of	ADP
gp-336	141	12	economic	economic	ADJ
gp-336	141	13	and	and	CCONJ
gp-336	141	14	management	management	NOUN
gp-336	141	15	business	business	NOUN
gp-336	141	16	vol	vol	NOUN
gp-336	141	17	.	.	PROPN
gp-336	142	1	4	4	NUM
gp-336	142	2	no	no	NOUN
gp-336	142	3	.	.	PUNCT
gp-336	143	1	10	10	NUM
gp-336	143	2	october	october	PROPN
gp-336	143	3	2025	2025	NUM
gp-336	143	4	1662	1662	NUM
gp-336	143	5	cybersecurity	cybersecurity	NOUN
gp-336	143	6	system	system	NOUN
gp-336	143	7	,	,	PUNCT
gp-336	143	8	such	such	ADJ
gp-336	143	9	as	as	ADP
gp-336	143	10	encryption	encryption	NOUN
gp-336	143	11	and	and	CCONJ
gp-336	143	12	implementing	implement	VERB
gp-336	143	13	regulations	regulation	NOUN
gp-336	143	14	such	such	ADJ
gp-336	143	15	as	as	ADP
gp-336	143	16	gdpr	gdpr	NOUN
gp-336	143	17	,	,	PUNCT
gp-336	143	18	as	as	ADV
gp-336	143	19	well	well	ADV
gp-336	143	20	as	as	ADP
gp-336	143	21	to	to	PART
gp-336	143	22	keep	keep	VERB
gp-336	143	23	purchasers	purchaser	NOUN
gp-336	143	24	of	of	ADP
gp-336	143	25	their	their	PRON
gp-336	143	26	services	service	NOUN
gp-336	143	27	safe	safe	ADJ
gp-336	143	28	and	and	CCONJ
gp-336	143	29	trusting	trust	VERB
gp-336	143	30	(	(	PUNCT
gp-336	143	31	rivero	rivero	PROPN
gp-336	143	32	del	del	PROPN
gp-336	143	33	paso	paso	PROPN
gp-336	143	34	et	et	PROPN
gp-336	143	35	al	al	PROPN
gp-336	143	36	.	.	PROPN
gp-336	143	37	,	,	PUNCT
gp-336	143	38	2023	2023	NUM
gp-336	143	39	)	)	PUNCT
gp-336	143	40	.	.	PUNCT
gp-336	144	1	also	also	ADV
gp-336	144	2	,	,	PUNCT
gp-336	144	3	excessive	excessive	ADJ
gp-336	144	4	use	use	NOUN
gp-336	144	5	of	of	ADP
gp-336	144	6	automation	automation	NOUN
gp-336	144	7	and	and	CCONJ
gp-336	144	8	ai	ai	AUX
gp-336	144	9	can	can	AUX
gp-336	144	10	deprive	deprive	VERB
gp-336	144	11	humans	human	NOUN
gp-336	144	12	of	of	ADP
gp-336	144	13	control	control	NOUN
gp-336	144	14	,	,	PUNCT
gp-336	144	15	which	which	PRON
gp-336	144	16	can	can	AUX
gp-336	144	17	also	also	ADV
gp-336	144	18	lead	lead	VERB
gp-336	144	19	to	to	ADP
gp-336	144	20	the	the	DET
gp-336	144	21	unnoticed	unnoticed	ADJ
gp-336	144	22	existence	existence	NOUN
gp-336	144	23	of	of	ADP
gp-336	144	24	complex	complex	ADJ
gp-336	144	25	factors	factor	NOUN
gp-336	144	26	beyond	beyond	ADP
gp-336	144	27	the	the	DET
gp-336	144	28	perspective	perspective	NOUN
gp-336	144	29	of	of	ADP
gp-336	144	30	algorithms	algorithm	NOUN
gp-336	144	31	(	(	PUNCT
gp-336	144	32	barreto	barreto	PROPN
gp-336	144	33	et	et	PROPN
gp-336	144	34	al	al	PROPN
gp-336	144	35	.	.	PROPN
gp-336	144	36	,	,	PUNCT
gp-336	144	37	2025	2025	NUM
gp-336	144	38	)	)	PUNCT
gp-336	144	39	.	.	PUNCT
gp-336	145	1	this	this	DET
gp-336	145	2	issue	issue	NOUN
gp-336	145	3	can	can	AUX
gp-336	145	4	be	be	AUX
gp-336	145	5	solved	solve	VERB
gp-336	145	6	with	with	ADP
gp-336	145	7	a	a	DET
gp-336	145	8	hybrid	hybrid	ADJ
gp-336	145	9	model	model	NOUN
gp-336	145	10	and	and	CCONJ
gp-336	145	11	applied	apply	VERB
gp-336	145	12	ai	ai	VERB
gp-336	145	13	analysis	analysis	NOUN
gp-336	145	14	that	that	PRON
gp-336	145	15	provide	provide	VERB
gp-336	145	16	essential	essential	ADJ
gp-336	145	17	insights	insight	NOUN
gp-336	145	18	,	,	PUNCT
gp-336	145	19	combined	combine	VERB
gp-336	145	20	with	with	ADP
gp-336	145	21	human	human	ADJ
gp-336	145	22	decision	decision	NOUN
gp-336	145	23	-	-	PUNCT
gp-336	145	24	making	making	NOUN
gp-336	145	25	that	that	PRON
gp-336	145	26	allows	allow	VERB
gp-336	145	27	financial	financial	ADJ
gp-336	145	28	planning	planning	NOUN
gp-336	145	29	to	to	PART
gp-336	145	30	be	be	AUX
gp-336	145	31	innovative	innovative	ADJ
gp-336	145	32	and	and	CCONJ
gp-336	145	33	based	base	VERB
gp-336	145	34	on	on	ADP
gp-336	145	35	practical	practical	ADJ
gp-336	145	36	knowledge	knowledge	NOUN
gp-336	145	37	.	.	PUNCT
gp-336	146	1	research	research	NOUN
gp-336	146	2	implications	implication	NOUN
gp-336	146	3	and	and	CCONJ
gp-336	146	4	strategies	strategy	NOUN
gp-336	146	5	the	the	DET
gp-336	146	6	results	result	NOUN
gp-336	146	7	indicate	indicate	VERB
gp-336	146	8	that	that	SCONJ
gp-336	146	9	there	there	PRON
gp-336	146	10	is	be	VERB
gp-336	146	11	great	great	ADJ
gp-336	146	12	potential	potential	NOUN
gp-336	146	13	for	for	SCONJ
gp-336	146	14	financial	financial	ADJ
gp-336	146	15	managers	manager	NOUN
gp-336	146	16	to	to	PART
gp-336	146	17	take	take	VERB
gp-336	146	18	full	full	ADJ
gp-336	146	19	advantage	advantage	NOUN
gp-336	146	20	of	of	ADP
gp-336	146	21	emerging	emerge	VERB
gp-336	146	22	technologies	technology	NOUN
gp-336	146	23	such	such	ADJ
gp-336	146	24	as	as	ADP
gp-336	146	25	blockchain	blockchain	NOUN
gp-336	146	26	and	and	CCONJ
gp-336	146	27	quantum	quantum	NOUN
gp-336	146	28	computing	computing	NOUN
gp-336	146	29	.	.	PUNCT
gp-336	147	1	the	the	DET
gp-336	147	2	ability	ability	NOUN
gp-336	147	3	of	of	ADP
gp-336	147	4	blockchain	blockchain	PROPN
gp-336	147	5	to	to	PART
gp-336	147	6	bring	bring	VERB
gp-336	147	7	forth	forth	ADV
gp-336	147	8	exchange	exchange	NOUN
gp-336	147	9	and	and	CCONJ
gp-336	147	10	transaction	transaction	NOUN
gp-336	147	11	privacy	privacy	NOUN
gp-336	147	12	with	with	ADP
gp-336	147	13	regard	regard	NOUN
gp-336	147	14	to	to	ADP
gp-336	147	15	finances	finance	NOUN
gp-336	147	16	augers	auger	NOUN
gp-336	147	17	well	well	ADV
gp-336	147	18	with	with	ADP
gp-336	147	19	the	the	DET
gp-336	147	20	rising	rise	VERB
gp-336	147	21	need	need	NOUN
gp-336	147	22	to	to	PART
gp-336	147	23	have	have	AUX
gp-336	147	24	trust	trust	NOUN
gp-336	147	25	and	and	CCONJ
gp-336	147	26	accountability	accountability	NOUN
gp-336	147	27	revolving	revolve	VERB
gp-336	147	28	around	around	ADP
gp-336	147	29	financial	financial	ADJ
gp-336	147	30	services	service	NOUN
gp-336	147	31	(	(	PUNCT
gp-336	147	32	nwoke	nwoke	ADV
gp-336	147	33	,	,	PUNCT
gp-336	147	34	2024	2024	NUM
gp-336	147	35	)	)	PUNCT
gp-336	147	36	.	.	PUNCT
gp-336	148	1	the	the	DET
gp-336	148	2	relatively	relatively	ADV
gp-336	148	3	new	new	ADJ
gp-336	148	4	quantum	quantum	NOUN
gp-336	148	5	computing	computing	NOUN
gp-336	148	6	technology	technology	NOUN
gp-336	148	7	is	be	AUX
gp-336	148	8	what	what	PRON
gp-336	148	9	can	can	AUX
gp-336	148	10	alter	alter	VERB
gp-336	148	11	the	the	DET
gp-336	148	12	way	way	NOUN
gp-336	148	13	risk	risk	NOUN
gp-336	148	14	is	be	AUX
gp-336	148	15	modelled	model	VERB
gp-336	148	16	and	and	CCONJ
gp-336	148	17	portfolios	portfolio	NOUN
gp-336	148	18	are	be	AUX
gp-336	148	19	optimised	optimise	VERB
gp-336	148	20	to	to	PART
gp-336	148	21	allow	allow	VERB
gp-336	148	22	financial	financial	ADJ
gp-336	148	23	managers	manager	NOUN
gp-336	148	24	to	to	PART
gp-336	148	25	have	have	VERB
gp-336	148	26	new	new	ADJ
gp-336	148	27	analytical	analytical	ADJ
gp-336	148	28	opportunities	opportunity	NOUN
gp-336	148	29	never	never	ADV
gp-336	148	30	seen	see	VERB
gp-336	148	31	in	in	ADP
gp-336	148	32	their	their	PRON
gp-336	148	33	industry	industry	NOUN
gp-336	148	34	(	(	PUNCT
gp-336	148	35	nwoke	nwoke	ADV
gp-336	148	36	,	,	PUNCT
gp-336	148	37	2024	2024	NUM
gp-336	148	38	)	)	PUNCT
gp-336	148	39	.	.	PUNCT
gp-336	149	1	according	accord	VERB
gp-336	149	2	to	to	ADP
gp-336	149	3	many	many	ADJ
gp-336	149	4	experts	expert	NOUN
gp-336	149	5	,	,	PUNCT
gp-336	149	6	such	such	ADJ
gp-336	149	7	technologies	technology	NOUN
gp-336	149	8	combined	combine	VERB
gp-336	149	9	with	with	ADP
gp-336	149	10	partnerships	partnership	NOUN
gp-336	149	11	between	between	ADP
gp-336	149	12	conventional	conventional	ADJ
gp-336	149	13	financial	financial	ADJ
gp-336	149	14	organisations	organisation	NOUN
gp-336	149	15	and	and	CCONJ
gp-336	149	16	fintech	fintech	NOUN
gp-336	149	17	startups	startup	NOUN
gp-336	149	18	will	will	AUX
gp-336	149	19	result	result	VERB
gp-336	149	20	in	in	ADP
gp-336	149	21	the	the	DET
gp-336	149	22	next	next	ADJ
gp-336	149	23	surge	surge	NOUN
gp-336	149	24	of	of	ADP
gp-336	149	25	innovation	innovation	NOUN
gp-336	149	26	in	in	ADP
gp-336	149	27	fp&a	fp&a	PROPN
gp-336	149	28	(	(	PUNCT
gp-336	149	29	maddevs	maddevs	PROPN
gp-336	149	30	,	,	PUNCT
gp-336	149	31	n.d	n.d	PROPN
gp-336	149	32	.	.	PROPN
gp-336	149	33	)	)	PUNCT
gp-336	149	34	.	.	PUNCT
gp-336	150	1	as	as	ADP
gp-336	150	2	an	an	DET
gp-336	150	3	example	example	NOUN
gp-336	150	4	,	,	PUNCT
gp-336	150	5	collaborations	collaboration	NOUN
gp-336	150	6	are	be	AUX
gp-336	150	7	boosting	boost	VERB
gp-336	150	8	the	the	DET
gp-336	150	9	creation	creation	NOUN
gp-336	150	10	of	of	ADP
gp-336	150	11	more	more	ADV
gp-336	150	12	intuitive	intuitive	ADJ
gp-336	150	13	tools	tool	NOUN
gp-336	150	14	,	,	PUNCT
gp-336	150	15	such	such	ADJ
gp-336	150	16	as	as	ADP
gp-336	150	17	mobile	mobile	ADJ
gp-336	150	18	payment	payment	NOUN
gp-336	150	19	and	and	CCONJ
gp-336	150	20	ai	ai	AUX
gp-336	150	21	-	-	PUNCT
gp-336	150	22	assisted	assist	VERB
gp-336	150	23	budgeting	budgeting	NOUN
gp-336	150	24	applications	application	NOUN
gp-336	150	25	,	,	PUNCT
gp-336	150	26	making	make	VERB
gp-336	150	27	them	they	PRON
gp-336	150	28	more	more	ADJ
gp-336	150	29	user	user	NOUN
gp-336	150	30	-	-	PUNCT
gp-336	150	31	friendly	friendly	ADJ
gp-336	150	32	and	and	CCONJ
gp-336	150	33	boosting	boost	VERB
gp-336	150	34	efficiency	efficiency	NOUN
gp-336	150	35	.	.	PUNCT
gp-336	151	1	the	the	DET
gp-336	151	2	findings	finding	NOUN
gp-336	151	3	also	also	ADV
gp-336	151	4	underscore	underscore	VERB
gp-336	151	5	the	the	DET
gp-336	151	6	relevance	relevance	NOUN
gp-336	151	7	of	of	ADP
gp-336	151	8	an	an	DET
gp-336	151	9	adequate	adequate	ADJ
gp-336	151	10	strategic	strategic	ADJ
gp-336	151	11	adaptation	adaptation	NOUN
gp-336	151	12	of	of	ADP
gp-336	151	13	financial	financial	ADJ
gp-336	151	14	managers	manager	NOUN
gp-336	151	15	.	.	PUNCT
gp-336	152	1	in	in	ADP
gp-336	152	2	order	order	NOUN
gp-336	152	3	to	to	PART
gp-336	152	4	make	make	VERB
gp-336	152	5	the	the	DET
gp-336	152	6	most	most	ADJ
gp-336	152	7	of	of	ADP
gp-336	152	8	digitalisation	digitalisation	NOUN
gp-336	152	9	,	,	PUNCT
gp-336	152	10	organisations	organisation	NOUN
gp-336	152	11	need	need	VERB
gp-336	152	12	to	to	PART
gp-336	152	13	invest	invest	VERB
gp-336	152	14	in	in	ADP
gp-336	152	15	terms	term	NOUN
gp-336	152	16	of	of	ADP
gp-336	152	17	upskilling	upskille	VERB
gp-336	152	18	programs	program	NOUN
gp-336	152	19	,	,	PUNCT
gp-336	152	20	solid	solid	ADJ
gp-336	152	21	cybersecurity	cybersecurity	NOUN
gp-336	152	22	and	and	CCONJ
gp-336	152	23	flexible	flexible	ADJ
gp-336	152	24	arrangements	arrangement	NOUN
gp-336	152	25	of	of	ADP
gp-336	152	26	infrastructure	infrastructure	NOUN
gp-336	152	27	(	(	PUNCT
gp-336	152	28	werth	werth	PROPN
gp-336	152	29	et	et	PROPN
gp-336	152	30	al	al	PROPN
gp-336	152	31	.	.	PROPN
gp-336	152	32	,	,	PUNCT
gp-336	152	33	2020	2020	NUM
gp-336	152	34	;	;	PUNCT
gp-336	152	35	rivero	rivero	PROPN
gp-336	152	36	del	del	PROPN
gp-336	152	37	paso	paso	PROPN
gp-336	152	38	et	et	PROPN
gp-336	152	39	al	al	PROPN
gp-336	152	40	.	.	PROPN
gp-336	152	41	,	,	PUNCT
gp-336	152	42	2023	2023	NUM
gp-336	152	43	)	)	PUNCT
gp-336	152	44	.	.	PUNCT
gp-336	153	1	in	in	ADP
gp-336	153	2	addition	addition	NOUN
gp-336	153	3	,	,	PUNCT
gp-336	153	4	the	the	DET
gp-336	153	5	financial	financial	ADJ
gp-336	153	6	managers	manager	NOUN
gp-336	153	7	should	should	AUX
gp-336	153	8	focus	focus	VERB
gp-336	153	9	on	on	ADP
gp-336	153	10	innovation	innovation	NOUN
gp-336	153	11	and	and	CCONJ
gp-336	153	12	implement	implement	VERB
gp-336	153	13	risk	risk	NOUN
gp-336	153	14	management	management	NOUN
gp-336	153	15	so	so	SCONJ
gp-336	153	16	that	that	SCONJ
gp-336	153	17	the	the	DET
gp-336	153	18	digital	digital	ADJ
gp-336	153	19	tools	tool	NOUN
gp-336	153	20	would	would	AUX
gp-336	153	21	not	not	PART
gp-336	153	22	be	be	AUX
gp-336	153	23	overutilized	overutilize	VERB
gp-336	153	24	or	or	CCONJ
gp-336	153	25	leave	leave	VERB
gp-336	153	26	the	the	DET
gp-336	153	27	company	company	NOUN
gp-336	153	28	vulnerable	vulnerable	ADJ
gp-336	153	29	to	to	ADP
gp-336	153	30	data	data	NOUN
gp-336	153	31	leaks	leak	NOUN
gp-336	153	32	(	(	PUNCT
gp-336	153	33	barreto	barreto	PROPN
gp-336	153	34	et	et	PROPN
gp-336	153	35	al	al	PROPN
gp-336	153	36	.	.	PROPN
gp-336	153	37	,	,	PUNCT
gp-336	153	38	2025	2025	NUM
gp-336	153	39	)	)	PUNCT
gp-336	153	40	.	.	PUNCT
gp-336	154	1	in	in	ADP
gp-336	154	2	making	make	VERB
gp-336	154	3	digital	digital	ADJ
gp-336	154	4	strategies	strategy	NOUN
gp-336	154	5	meet	meet	VERB
gp-336	154	6	organisational	organisational	ADJ
gp-336	154	7	goals	goal	NOUN
gp-336	154	8	,	,	PUNCT
gp-336	154	9	financial	financial	ADJ
gp-336	154	10	managers	manager	NOUN
gp-336	154	11	are	be	AUX
gp-336	154	12	in	in	ADP
gp-336	154	13	a	a	DET
gp-336	154	14	position	position	NOUN
gp-336	154	15	to	to	PART
gp-336	154	16	steer	steer	VERB
gp-336	154	17	the	the	DET
gp-336	154	18	organisation	organisation	NOUN
gp-336	154	19	towards	towards	ADP
gp-336	154	20	achieving	achieve	VERB
gp-336	154	21	sustainable	sustainable	ADJ
gp-336	154	22	business	business	NOUN
gp-336	154	23	success	success	NOUN
gp-336	154	24	in	in	ADP
gp-336	154	25	an	an	DET
gp-336	154	26	environment	environment	NOUN
gp-336	154	27	that	that	PRON
gp-336	154	28	is	be	AUX
gp-336	154	29	increasingly	increasingly	ADV
gp-336	154	30	becoming	become	VERB
gp-336	154	31	digitalised	digitalise	VERB
gp-336	154	32	.	.	PUNCT
gp-336	155	1	implications	implication	NOUN
gp-336	155	2	for	for	ADP
gp-336	155	3	the	the	DET
gp-336	155	4	current	current	ADJ
gp-336	155	5	body	body	NOUN
gp-336	155	6	of	of	ADP
gp-336	155	7	knowledge	knowledge	NOUN
gp-336	155	8	the	the	DET
gp-336	155	9	research	research	NOUN
gp-336	155	10	is	be	AUX
gp-336	155	11	of	of	ADP
gp-336	155	12	value	value	NOUN
gp-336	155	13	to	to	ADP
gp-336	155	14	the	the	DET
gp-336	155	15	literature	literature	NOUN
gp-336	155	16	because	because	SCONJ
gp-336	155	17	it	it	PRON
gp-336	155	18	offers	offer	VERB
gp-336	155	19	and	and	CCONJ
gp-336	155	20	synthesises	synthesise	VERB
gp-336	155	21	recent	recent	ADJ
gp-336	155	22	and	and	CCONJ
gp-336	155	23	authoritative	authoritative	ADJ
gp-336	155	24	sources	source	NOUN
gp-336	155	25	on	on	ADP
gp-336	155	26	digital	digital	ADJ
gp-336	155	27	tools	tool	NOUN
gp-336	155	28	and	and	CCONJ
gp-336	155	29	trends	trend	NOUN
gp-336	155	30	in	in	ADP
gp-336	155	31	financial	financial	ADJ
gp-336	155	32	planning	planning	NOUN
gp-336	155	33	(	(	PUNCT
gp-336	155	34	avira	avira	PROPN
gp-336	155	35	et	et	PROPN
gp-336	155	36	al	al	PROPN
gp-336	155	37	.	.	PROPN
gp-336	155	38	,	,	PUNCT
gp-336	155	39	2023	2023	NUM
gp-336	155	40	;	;	PUNCT
gp-336	155	41	chlouverakis	chlouverakis	PROPN
gp-336	155	42	&	&	CCONJ
gp-336	155	43	rawal	rawal	PROPN
gp-336	155	44	,	,	PUNCT
gp-336	155	45	2024	2024	NUM
gp-336	155	46	)	)	PUNCT
gp-336	155	47	.	.	PUNCT
gp-336	156	1	in	in	ADP
gp-336	156	2	contrast	contrast	NOUN
gp-336	156	3	to	to	ADP
gp-336	156	4	the	the	DET
gp-336	156	5	earlier	early	ADJ
gp-336	156	6	research	research	NOUN
gp-336	156	7	devoted	devote	VERB
gp-336	156	8	to	to	ADP
gp-336	156	9	the	the	DET
gp-336	156	10	particular	particular	ADJ
gp-336	156	11	technologies	technology	NOUN
gp-336	156	12	or	or	CCONJ
gp-336	156	13	industries	industry	NOUN
gp-336	156	14	,	,	PUNCT
gp-336	156	15	this	this	DET
gp-336	156	16	review	review	NOUN
gp-336	156	17	is	be	AUX
gp-336	156	18	non	non	ADJ
gp-336	156	19	-	-	ADJ
gp-336	156	20	sectoral	sectoral	ADJ
gp-336	156	21	,	,	PUNCT
gp-336	156	22	analysing	analyse	VERB
gp-336	156	23	the	the	DET
gp-336	156	24	interaction	interaction	NOUN
gp-336	156	25	between	between	ADP
gp-336	156	26	tools	tool	NOUN
gp-336	156	27	,	,	PUNCT
gp-336	156	28	trends	trend	NOUN
gp-336	156	29	,	,	PUNCT
gp-336	156	30	and	and	CCONJ
gp-336	156	31	challenges	challenge	NOUN
gp-336	156	32	(	(	PUNCT
gp-336	156	33	fehndrich	fehndrich	NOUN
gp-336	156	34	,	,	PUNCT
gp-336	156	35	2023	2023	NUM
gp-336	156	36	)	)	PUNCT
gp-336	156	37	.	.	PUNCT
gp-336	157	1	these	these	DET
gp-336	157	2	results	result	NOUN
gp-336	157	3	add	add	VERB
gp-336	157	4	to	to	ADP
gp-336	157	5	the	the	DET
gp-336	157	6	studies	study	NOUN
gp-336	157	7	conducted	conduct	VERB
gp-336	157	8	by	by	ADP
gp-336	157	9	mavlutova	mavlutova	PROPN
gp-336	157	10	et	et	PROPN
gp-336	157	11	al	al	PROPN
gp-336	157	12	.	.	PROPN
gp-336	158	1	(	(	PUNCT
gp-336	158	2	2023	2023	NUM
gp-336	158	3	)	)	PUNCT
gp-336	158	4	and	and	CCONJ
gp-336	158	5	sharma	sharma	PROPN
gp-336	158	6	&	&	CCONJ
gp-336	158	7	diaz	diaz	PROPN
gp-336	158	8	andrade	andrade	PROPN
gp-336	158	9	(	(	PUNCT
gp-336	158	10	2023	2023	NUM
gp-336	158	11	)	)	PUNCT
gp-336	158	12	as	as	SCONJ
gp-336	158	13	they	they	PRON
gp-336	158	14	also	also	ADV
gp-336	158	15	consider	consider	VERB
gp-336	158	16	the	the	DET
gp-336	158	17	importance	importance	NOUN
gp-336	158	18	of	of	ADP
gp-336	158	19	digitalisation	digitalisation	NOUN
gp-336	158	20	as	as	ADP
gp-336	158	21	the	the	DET
gp-336	158	22	means	mean	NOUN
gp-336	158	23	of	of	ADP
gp-336	158	24	enhancing	enhance	VERB
gp-336	158	25	financial	financial	ADJ
gp-336	158	26	inclusion	inclusion	NOUN
gp-336	158	27	and	and	CCONJ
gp-336	158	28	integrating	integrate	VERB
gp-336	158	29	esg	esg	PROPN
gp-336	158	30	,	,	PUNCT
gp-336	158	31	as	as	ADV
gp-336	158	32	well	well	ADV
gp-336	158	33	as	as	ADP
gp-336	158	34	practical	practical	ADJ
gp-336	158	35	barriers	barrier	NOUN
gp-336	158	36	,	,	PUNCT
gp-336	158	37	such	such	ADJ
gp-336	158	38	as	as	ADP
gp-336	158	39	employee	employee	NOUN
gp-336	158	40	resistance	resistance	NOUN
gp-336	158	41	and	and	CCONJ
gp-336	158	42	data	datum	NOUN
gp-336	158	43	privacy	privacy	NOUN
gp-336	158	44	(	(	PUNCT
gp-336	158	45	thottoli	thottoli	NOUN
gp-336	158	46	et	et	PROPN
gp-336	158	47	al	al	PROPN
gp-336	158	48	.	.	PROPN
gp-336	158	49	,	,	PUNCT
gp-336	158	50	2023	2023	NUM
gp-336	158	51	)	)	PUNCT
gp-336	158	52	.	.	PUNCT
gp-336	159	1	recommendations	recommendation	NOUN
gp-336	159	2	that	that	SCONJ
gp-336	159	3	the	the	DET
gp-336	159	4	study	study	NOUN
gp-336	159	5	places	place	VERB
gp-336	159	6	a	a	DET
gp-336	159	7	focus	focus	NOUN
gp-336	159	8	on	on	ADP
gp-336	159	9	,	,	PUNCT
gp-336	159	10	like	like	ADP
gp-336	159	11	phased	phase	VERB
gp-336	159	12	adoption	adoption	NOUN
gp-336	159	13	and	and	CCONJ
gp-336	159	14	hybrid	hybrid	ADJ
gp-336	159	15	ai	ai	NOUN
gp-336	159	16	-	-	PUNCT
gp-336	159	17	human	human	ADJ
gp-336	159	18	,	,	PUNCT
gp-336	159	19	as	as	ADP
gp-336	159	20	understanding	understanding	NOUN
gp-336	159	21	of	of	ADP
gp-336	159	22	actionable	actionable	ADJ
gp-336	159	23	strategies	strategy	NOUN
gp-336	159	24	to	to	PART
gp-336	159	25	implement	implement	VERB
gp-336	159	26	within	within	ADP
gp-336	159	27	the	the	DET
gp-336	159	28	financial	financial	ADJ
gp-336	159	29	management	management	NOUN
gp-336	159	30	industry	industry	NOUN
gp-336	159	31	,	,	PUNCT
gp-336	159	32	digitalisation	digitalisation	NOUN
gp-336	159	33	in	in	ADP
gp-336	159	34	financial	financial	ADJ
gp-336	159	35	planning	planning	NOUN
gp-336	159	36	:	:	PUNCT
gp-336	159	37	tools	tool	NOUN
gp-336	159	38	and	and	CCONJ
gp-336	159	39	trends	trend	NOUN
gp-336	159	40	for	for	ADP
gp-336	159	41	modern	modern	ADJ
gp-336	159	42	financial	financial	ADJ
gp-336	159	43	managers	manager	NOUN
gp-336	159	44	1663	1663	NUM
gp-336	159	45	make	make	VERB
gp-336	159	46	the	the	DET
gp-336	159	47	study	study	NOUN
gp-336	159	48	resourceful	resourceful	ADJ
gp-336	159	49	on	on	ADP
gp-336	159	50	how	how	SCONJ
gp-336	159	51	to	to	PART
gp-336	159	52	respond	respond	VERB
gp-336	159	53	to	to	ADP
gp-336	159	54	the	the	DET
gp-336	159	55	changes	change	NOUN
gp-336	159	56	brought	bring	VERB
gp-336	159	57	about	about	ADP
gp-336	159	58	by	by	ADP
gp-336	159	59	digital	digital	ADJ
gp-336	159	60	transformation	transformation	NOUN
gp-336	159	61	conclusion	conclusion	NOUN
gp-336	159	62	this	this	DET
gp-336	159	63	review	review	NOUN
gp-336	159	64	demonstrated	demonstrate	VERB
gp-336	159	65	that	that	DET
gp-336	159	66	digitalisation	digitalisation	NOUN
gp-336	159	67	—	—	PUNCT
gp-336	159	68	through	through	ADP
gp-336	159	69	tools	tool	NOUN
gp-336	159	70	such	such	ADJ
gp-336	159	71	as	as	ADP
gp-336	159	72	cloud	cloud	NOUN
gp-336	159	73	computing	computing	NOUN
gp-336	159	74	,	,	PUNCT
gp-336	159	75	erp	erp	PROPN
gp-336	159	76	systems	systems	PROPN
gp-336	159	77	,	,	PUNCT
gp-336	159	78	rpa	rpa	PROPN
gp-336	159	79	,	,	PUNCT
gp-336	159	80	and	and	CCONJ
gp-336	159	81	ai	ai	VERB
gp-336	159	82	—	—	PUNCT
gp-336	159	83	significantly	significantly	ADV
gp-336	159	84	enhanced	enhance	VERB
gp-336	159	85	financial	financial	ADJ
gp-336	159	86	planning	planning	NOUN
gp-336	159	87	by	by	ADP
gp-336	159	88	improving	improve	VERB
gp-336	159	89	efficiency	efficiency	NOUN
gp-336	159	90	(	(	PUNCT
gp-336	159	91	25	25	NUM
gp-336	159	92	–	–	SYM
gp-336	159	93	35	35	NUM
gp-336	159	94	%	%	NOUN
gp-336	159	95	)	)	PUNCT
gp-336	159	96	,	,	PUNCT
gp-336	160	1	forecasting	forecasting	NOUN
gp-336	160	2	accuracy	accuracy	NOUN
gp-336	160	3	(	(	PUNCT
gp-336	160	4	27–38	27–38	NUM
gp-336	160	5	%	%	NOUN
gp-336	160	6	)	)	PUNCT
gp-336	160	7	,	,	PUNCT
gp-336	160	8	and	and	CCONJ
gp-336	160	9	risk	risk	NOUN
gp-336	160	10	management	management	NOUN
gp-336	160	11	(	(	PUNCT
gp-336	160	12	6–8	6–8	NOUN
gp-336	160	13	weeks	week	NOUN
gp-336	160	14	advance	advance	NOUN
gp-336	160	15	warning	warning	NOUN
gp-336	160	16	)	)	PUNCT
gp-336	160	17	,	,	PUNCT
gp-336	160	18	while	while	SCONJ
gp-336	160	19	also	also	ADV
gp-336	160	20	generating	generate	VERB
gp-336	160	21	quantifiable	quantifiable	ADJ
gp-336	160	22	benefits	benefit	NOUN
gp-336	160	23	in	in	ADP
gp-336	160	24	cost	cost	NOUN
gp-336	160	25	savings	saving	NOUN
gp-336	160	26	and	and	CCONJ
gp-336	160	27	productivity	productivity	NOUN
gp-336	160	28	.	.	PUNCT
gp-336	161	1	it	it	PRON
gp-336	161	2	highlighted	highlight	VERB
gp-336	161	3	five	five	NUM
gp-336	161	4	transformative	transformative	ADJ
gp-336	161	5	trends	trend	NOUN
gp-336	161	6	shaping	shape	VERB
gp-336	161	7	financial	financial	ADJ
gp-336	161	8	planning	planning	NOUN
gp-336	161	9	&	&	CCONJ
gp-336	161	10	analysis	analysis	NOUN
gp-336	161	11	(	(	PUNCT
gp-336	161	12	fp&a)—real	fp&a)—real	ADJ
gp-336	161	13	-	-	PUNCT
gp-336	161	14	time	time	NOUN
gp-336	161	15	reporting	reporting	NOUN
gp-336	161	16	,	,	PUNCT
gp-336	161	17	esg	esg	NOUN
gp-336	161	18	integration	integration	NOUN
gp-336	161	19	,	,	PUNCT
gp-336	161	20	financial	financial	ADJ
gp-336	161	21	inclusion	inclusion	NOUN
gp-336	161	22	,	,	PUNCT
gp-336	161	23	cybersecurity	cybersecurity	NOUN
gp-336	161	24	,	,	PUNCT
gp-336	161	25	and	and	CCONJ
gp-336	161	26	personalization	personalization	NOUN
gp-336	161	27	—	—	PUNCT
gp-336	161	28	yet	yet	CCONJ
gp-336	161	29	noted	note	VERB
gp-336	161	30	persistent	persistent	ADJ
gp-336	161	31	challenges	challenge	NOUN
gp-336	161	32	including	include	VERB
gp-336	161	33	high	high	ADJ
gp-336	161	34	costs	cost	NOUN
gp-336	161	35	,	,	PUNCT
gp-336	161	36	employee	employee	NOUN
gp-336	161	37	resistance	resistance	NOUN
gp-336	161	38	,	,	PUNCT
gp-336	161	39	data	datum	NOUN
gp-336	161	40	privacy	privacy	NOUN
gp-336	161	41	risks	risk	NOUN
gp-336	161	42	,	,	PUNCT
gp-336	161	43	and	and	CCONJ
gp-336	161	44	over	over	ADP
gp-336	161	45	-	-	PUNCT
gp-336	161	46	reliance	reliance	NOUN
gp-336	161	47	on	on	ADP
gp-336	161	48	automation	automation	NOUN
gp-336	161	49	,	,	PUNCT
gp-336	161	50	requiring	require	VERB
gp-336	161	51	strategic	strategic	ADJ
gp-336	161	52	mitigation	mitigation	NOUN
gp-336	161	53	strategies	strategy	NOUN
gp-336	161	54	.	.	PUNCT
gp-336	162	1	by	by	ADP
gp-336	162	2	synthesizing	synthesize	VERB
gp-336	162	3	fragmented	fragmented	ADJ
gp-336	162	4	literature	literature	NOUN
gp-336	162	5	into	into	ADP
gp-336	162	6	a	a	DET
gp-336	162	7	comprehensive	comprehensive	ADJ
gp-336	162	8	framework	framework	NOUN
gp-336	162	9	,	,	PUNCT
gp-336	162	10	the	the	DET
gp-336	162	11	study	study	NOUN
gp-336	162	12	provided	provide	VERB
gp-336	162	13	both	both	CCONJ
gp-336	162	14	a	a	DET
gp-336	162	15	theoretical	theoretical	ADJ
gp-336	162	16	contribution	contribution	NOUN
gp-336	162	17	—	—	PUNCT
gp-336	162	18	linking	link	VERB
gp-336	162	19	digital	digital	ADJ
gp-336	162	20	tools	tool	NOUN
gp-336	162	21	,	,	PUNCT
gp-336	162	22	trends	trend	NOUN
gp-336	162	23	,	,	PUNCT
gp-336	162	24	and	and	CCONJ
gp-336	162	25	implementation	implementation	NOUN
gp-336	162	26	challenges	challenge	NOUN
gp-336	162	27	—	—	PUNCT
gp-336	162	28	and	and	CCONJ
gp-336	162	29	a	a	DET
gp-336	162	30	practical	practical	ADJ
gp-336	162	31	contribution	contribution	NOUN
gp-336	162	32	,	,	PUNCT
gp-336	162	33	equipping	equip	VERB
gp-336	162	34	financial	financial	ADJ
gp-336	162	35	managers	manager	NOUN
gp-336	162	36	with	with	ADP
gp-336	162	37	evidence	evidence	NOUN
gp-336	162	38	-	-	PUNCT
gp-336	162	39	based	base	VERB
gp-336	162	40	strategies	strategy	NOUN
gp-336	162	41	for	for	ADP
gp-336	162	42	navigating	navigate	VERB
gp-336	162	43	digital	digital	ADJ
gp-336	162	44	transformation	transformation	NOUN
gp-336	162	45	.	.	PUNCT
gp-336	163	1	future	future	ADJ
gp-336	163	2	research	research	NOUN
gp-336	163	3	should	should	AUX
gp-336	163	4	investigate	investigate	VERB
gp-336	163	5	the	the	DET
gp-336	163	6	long	long	ADJ
gp-336	163	7	-	-	PUNCT
gp-336	163	8	term	term	NOUN
gp-336	163	9	impacts	impact	NOUN
gp-336	163	10	of	of	ADP
gp-336	163	11	digitalisation	digitalisation	NOUN
gp-336	163	12	on	on	ADP
gp-336	163	13	organizational	organizational	ADJ
gp-336	163	14	performance	performance	NOUN
gp-336	163	15	,	,	PUNCT
gp-336	163	16	sectorspecific	sectorspecific	ADJ
gp-336	163	17	effectiveness	effectiveness	NOUN
gp-336	163	18	of	of	ADP
gp-336	163	19	digital	digital	ADJ
gp-336	163	20	tools	tool	NOUN
gp-336	163	21	,	,	PUNCT
gp-336	163	22	human	human	NOUN
gp-336	163	23	–	–	PUNCT
gp-336	163	24	ai	ai	ADJ
gp-336	163	25	collaboration	collaboration	NOUN
gp-336	163	26	in	in	ADP
gp-336	163	27	decision	decision	NOUN
gp-336	163	28	-	-	PUNCT
gp-336	163	29	making	making	NOUN
gp-336	163	30	,	,	PUNCT
gp-336	163	31	the	the	DET
gp-336	163	32	scalability	scalability	NOUN
gp-336	163	33	of	of	ADP
gp-336	163	34	blockchain	blockchain	PROPN
gp-336	163	35	and	and	CCONJ
gp-336	163	36	quantum	quantum	NOUN
gp-336	163	37	computing	computing	NOUN
gp-336	163	38	,	,	PUNCT
gp-336	163	39	and	and	CCONJ
gp-336	163	40	predictive	predictive	ADJ
gp-336	163	41	frameworks	framework	NOUN
gp-336	163	42	for	for	ADP
gp-336	163	43	anticipating	anticipate	VERB
gp-336	163	44	next	next	ADJ
gp-336	163	45	-	-	PUNCT
gp-336	163	46	generation	generation	NOUN
gp-336	163	47	disruptions	disruption	NOUN
gp-336	163	48	in	in	ADP
gp-336	163	49	fp&a	fp&a	PROPN
gp-336	163	50	.	.	PUNCT
gp-336	164	1	references	reference	NOUN
gp-336	164	2	avira	avira	PROPN
gp-336	164	3	,	,	PUNCT
gp-336	164	4	s.	s.	PROPN
gp-336	164	5	,	,	PUNCT
gp-336	164	6	rofi’ah	rofi’ah	PROPN
gp-336	164	7	,	,	PUNCT
gp-336	164	8	setyaningsih	setyaningsih	PROPN
gp-336	164	9	,	,	PUNCT
gp-336	164	10	e.	e.	PROPN
gp-336	164	11	,	,	PUNCT
gp-336	164	12	&	&	CCONJ
gp-336	164	13	utami	utami	PROPN
gp-336	164	14	,	,	PUNCT
gp-336	164	15	s.	s.	PROPN
gp-336	164	16	s.	s.	PROPN
gp-336	164	17	(	(	PUNCT
gp-336	164	18	2023	2023	NUM
gp-336	164	19	)	)	PUNCT
gp-336	164	20	.	.	PUNCT
gp-336	165	1	digital	digital	ADJ
gp-336	165	2	transformation	transformation	NOUN
gp-336	165	3	in	in	ADP
gp-336	165	4	financial	financial	ADJ
gp-336	165	5	management	management	NOUN
gp-336	165	6	:	:	PUNCT
gp-336	165	7	harnessing	harness	VERB
gp-336	165	8	technology	technology	NOUN
gp-336	165	9	for	for	ADP
gp-336	165	10	business	business	NOUN
gp-336	165	11	success	success	NOUN
gp-336	165	12	.	.	PUNCT
gp-336	166	1	influence	influence	NOUN
gp-336	166	2	:	:	PUNCT
gp-336	166	3	international	international	ADJ
gp-336	166	4	journal	journal	PROPN
gp-336	166	5	of	of	ADP
gp-336	166	6	science	science	PROPN
gp-336	166	7	review	review	PROPN
gp-336	166	8	,	,	PUNCT
gp-336	166	9	5(2	5(2	NUM
gp-336	166	10	)	)	PUNCT
gp-336	166	11	,	,	PUNCT
gp-336	166	12	336–345	336–345	NUM
gp-336	166	13	.	.	PUNCT
gp-336	167	1	https://doi.org/10.54783/influencejournal.v5i2.161	https://doi.org/10.54783/influencejournal.v5i2.161	PROPN
gp-336	167	2	barreto	barreto	PROPN
gp-336	167	3	,	,	PUNCT
gp-336	167	4	a.	a.	PROPN
gp-336	167	5	,	,	PUNCT
gp-336	167	6	gomes	gome	NOUN
gp-336	167	7	,	,	PUNCT
gp-336	167	8	p.	p.	NOUN
gp-336	167	9	,	,	PUNCT
gp-336	167	10	quesado	quesado	NOUN
gp-336	167	11	,	,	PUNCT
gp-336	167	12	p.	p.	NOUN
gp-336	167	13	,	,	PUNCT
gp-336	167	14	&	&	CCONJ
gp-336	167	15	o’sullivan	o’sullivan	PROPN
gp-336	167	16	,	,	PUNCT
gp-336	167	17	s.	s.	PROPN
gp-336	167	18	(	(	PUNCT
gp-336	167	19	2025	2025	NUM
gp-336	167	20	)	)	PUNCT
gp-336	167	21	.	.	PUNCT
gp-336	168	1	advancements	advancement	NOUN
gp-336	168	2	in	in	ADP
gp-336	168	3	management	management	NOUN
gp-336	168	4	accounting	accounting	NOUN
gp-336	168	5	and	and	CCONJ
gp-336	168	6	digital	digital	ADJ
gp-336	168	7	technologies	technology	NOUN
gp-336	168	8	:	:	PUNCT
gp-336	168	9	a	a	DET
gp-336	168	10	systematic	systematic	ADJ
gp-336	168	11	literature	literature	NOUN
gp-336	168	12	review	review	NOUN
gp-336	168	13	.	.	PUNCT
gp-336	169	1	accounting	accounting	NOUN
gp-336	169	2	,	,	PUNCT
gp-336	169	3	finance	finance	NOUN
gp-336	169	4	&	&	CCONJ
gp-336	169	5	governance	governance	PROPN
gp-336	169	6	review	review	NOUN
gp-336	169	7	,	,	PUNCT
gp-336	169	8	34	34	NUM
gp-336	169	9	.	.	PUNCT
gp-336	170	1	https://doi.org/10.52399/001c.137301	https://doi.org/10.52399/001c.137301	X
gp-336	170	2	breuer	breuer	PROPN
gp-336	170	3	,	,	PUNCT
gp-336	170	4	w.	w.	PROPN
gp-336	170	5	,	,	PUNCT
gp-336	170	6	&	&	CCONJ
gp-336	170	7	knetsch	knetsch	PROPN
gp-336	170	8	,	,	PUNCT
gp-336	170	9	a.	a.	NOUN
gp-336	170	10	(	(	PUNCT
gp-336	170	11	2023	2023	NUM
gp-336	170	12	)	)	PUNCT
gp-336	170	13	.	.	PUNCT
gp-336	171	1	recent	recent	ADJ
gp-336	171	2	trends	trend	NOUN
gp-336	171	3	in	in	ADP
gp-336	171	4	the	the	DET
gp-336	171	5	digitalization	digitalization	NOUN
gp-336	171	6	of	of	ADP
gp-336	171	7	finance	finance	NOUN
gp-336	171	8	and	and	CCONJ
gp-336	171	9	accounting	accounting	NOUN
gp-336	171	10	.	.	PUNCT
gp-336	172	1	journal	journal	PROPN
gp-336	172	2	of	of	ADP
gp-336	172	3	business	business	NOUN
gp-336	172	4	economics	economic	NOUN
gp-336	172	5	,	,	PUNCT
gp-336	172	6	93	93	NUM
gp-336	172	7	,	,	PUNCT
gp-336	172	8	1451–1461	1451–1461	NUM
gp-336	172	9	.	.	PUNCT
gp-336	173	1	https://doi.org/10.1007/s11573-023-011815	https://doi.org/10.1007/s11573-023-011815	PROPN
gp-336	173	2	chekashova	chekashova	PROPN
gp-336	173	3	,	,	PUNCT
gp-336	173	4	a.	a.	NOUN
gp-336	173	5	(	(	PUNCT
gp-336	173	6	2025	2025	NUM
gp-336	173	7	)	)	PUNCT
gp-336	173	8	.	.	PUNCT
gp-336	174	1	integrated	integrate	VERB
gp-336	174	2	ai	ai	PROPN
gp-336	174	3	fp&a	fp&a	PROPN
gp-336	174	4	:	:	PUNCT
gp-336	174	5	unlocking	unlock	VERB
gp-336	174	6	the	the	DET
gp-336	174	7	highest	high	ADJ
gp-336	174	8	stage	stage	NOUN
gp-336	174	9	of	of	ADP
gp-336	174	10	fp&a	fp&a	PROPN
gp-336	174	11	maturity	maturity	NOUN
gp-336	174	12	.	.	PUNCT
gp-336	175	1	the	the	DET
gp-336	175	2	american	american	PROPN
gp-336	175	3	journal	journal	PROPN
gp-336	175	4	of	of	ADP
gp-336	175	5	management	management	NOUN
gp-336	175	6	and	and	CCONJ
gp-336	175	7	economics	economic	NOUN
gp-336	175	8	innovations	innovation	NOUN
gp-336	175	9	,	,	PUNCT
gp-336	175	10	7(06	7(06	NUM
gp-336	175	11	)	)	PUNCT
gp-336	175	12	,	,	PUNCT
gp-336	175	13	104–114	104–114	NUM
gp-336	175	14	.	.	PUNCT
gp-336	176	1	chlouverakis	chlouverakis	PROPN
gp-336	176	2	,	,	PUNCT
gp-336	176	3	k.	k.	PROPN
gp-336	176	4	,	,	PUNCT
gp-336	176	5	&	&	CCONJ
gp-336	176	6	rawal	rawal	PROPN
gp-336	176	7	,	,	PUNCT
gp-336	176	8	a.	a.	NOUN
gp-336	176	9	(	(	PUNCT
gp-336	176	10	2024	2024	NUM
gp-336	176	11	)	)	PUNCT
gp-336	176	12	.	.	PUNCT
gp-336	177	1	how	how	SCONJ
gp-336	177	2	artificial	artificial	ADJ
gp-336	177	3	intelligence	intelligence	NOUN
gp-336	177	4	is	be	AUX
gp-336	177	5	reshaping	reshape	VERB
gp-336	177	6	the	the	DET
gp-336	177	7	financial	financial	ADJ
gp-336	177	8	services	service	NOUN
gp-336	177	9	industry	industry	NOUN
gp-336	177	10	.	.	PUNCT
gp-336	178	1	ey	ey	PROPN
gp-336	178	2	cesa	cesa	PROPN
gp-336	178	3	financial	financial	PROPN
gp-336	178	4	services	services	PROPN
gp-336	178	5	,	,	PUNCT
gp-336	178	6	26	26	NUM
gp-336	178	7	.	.	PUNCT
gp-336	179	1	https://www.ey.com/en_gr/insights/financial-services/how-artificial-intelligence-isreshaping-the-financial-services-industry	https://www.ey.com/en_gr/insights/financial-services/how-artificial-intelligence-isreshaping-the-financial-services-industry	PROPN
gp-336	179	2	deldag	deldag	PROPN
gp-336	179	3	,	,	PUNCT
gp-336	179	4	z.	z.	PROPN
gp-336	179	5	(	(	PUNCT
gp-336	179	6	2020	2020	NUM
gp-336	179	7	,	,	PUNCT
gp-336	179	8	january	january	PROPN
gp-336	179	9	)	)	PUNCT
gp-336	179	10	.	.	PUNCT
gp-336	180	1	how	how	SCONJ
gp-336	180	2	digitalization	digitalization	NOUN
gp-336	180	3	impacts	impact	VERB
gp-336	180	4	financial	financial	ADJ
gp-336	180	5	services	service	NOUN
gp-336	180	6	companies	company	NOUN
gp-336	180	7	and	and	CCONJ
gp-336	180	8	their	their	PRON
gp-336	180	9	audits	audits	NOUN
gp-336	180	10	.	.	PUNCT
gp-336	181	1	ey	ey	PRON
gp-336	181	2	insights	insight	NOUN
gp-336	181	3	.	.	PUNCT
gp-336	182	1	https://www.ey.com/en_gl/insights/assurance/how-digitaltransformation-impacts-financial-services-companies-and-their-audits	https://www.ey.com/en_gl/insights/assurance/how-digitaltransformation-impacts-financial-services-companies-and-their-audit	NOUN
gp-336	182	2	american	american	PROPN
gp-336	182	3	journal	journal	PROPN
gp-336	182	4	of	of	ADP
gp-336	182	5	economic	economic	ADJ
gp-336	182	6	and	and	CCONJ
gp-336	182	7	management	management	NOUN
gp-336	182	8	business	business	NOUN
gp-336	182	9	vol	vol	NOUN
gp-336	182	10	.	.	PROPN
gp-336	183	1	4	4	NUM
gp-336	183	2	no	no	NOUN
gp-336	183	3	.	.	PUNCT
gp-336	184	1	10	10	NUM
gp-336	184	2	october	october	NOUN
gp-336	184	3	2025	2025	NUM
gp-336	184	4	1664	1664	NUM
gp-336	184	5	farinha	farinha	NOUN
gp-336	184	6	,	,	PUNCT
gp-336	184	7	j.	j.	PROPN
gp-336	184	8	,	,	PUNCT
gp-336	184	9	&	&	CCONJ
gp-336	184	10	de	de	PROPN
gp-336	184	11	fátima	fátima	PROPN
gp-336	184	12	pina	pina	NOUN
gp-336	184	13	,	,	PUNCT
gp-336	184	14	m.	m.	NOUN
gp-336	184	15	(	(	PUNCT
gp-336	184	16	2025	2025	NUM
gp-336	184	17	)	)	PUNCT
gp-336	184	18	.	.	PUNCT
gp-336	185	1	digital	digital	ADJ
gp-336	185	2	transformation	transformation	NOUN
gp-336	185	3	in	in	ADP
gp-336	185	4	esg	esg	PROPN
gp-336	185	5	programs	program	NOUN
gp-336	185	6	:	:	PUNCT
gp-336	185	7	understanding	understand	VERB
gp-336	185	8	environmental	environmental	ADJ
gp-336	185	9	,	,	PUNCT
gp-336	185	10	social	social	ADJ
gp-336	185	11	,	,	PUNCT
gp-336	185	12	and	and	CCONJ
gp-336	185	13	governance	governance	NOUN
gp-336	185	14	factors	factor	NOUN
gp-336	185	15	.	.	PUNCT
gp-336	186	1	in	in	ADP
gp-336	186	2	environmental	environmental	ADJ
gp-336	186	3	,	,	PUNCT
gp-336	186	4	social	social	ADJ
gp-336	186	5	,	,	PUNCT
gp-336	186	6	governance	governance	NOUN
gp-336	186	7	and	and	CCONJ
gp-336	186	8	digital	digital	ADJ
gp-336	186	9	transformation	transformation	NOUN
gp-336	186	10	in	in	ADP
gp-336	186	11	organizations	organization	NOUN
gp-336	186	12	(	(	PUNCT
gp-336	186	13	pp	pp	ADJ
gp-336	186	14	.	.	PUNCT
gp-336	186	15	33–49	33–49	NUM
gp-336	186	16	)	)	PUNCT
gp-336	186	17	.	.	PUNCT
gp-336	187	1	springer	springer	NOUN
gp-336	187	2	.	.	PUNCT
gp-336	188	1	fernandes	fernandes	PROPN
gp-336	188	2	marques	marques	PROPN
gp-336	188	3	da	da	PROPN
gp-336	188	4	fonte	fonte	PROPN
gp-336	188	5	,	,	PUNCT
gp-336	188	6	p.	p.	NOUN
gp-336	188	7	(	(	PUNCT
gp-336	188	8	2023	2023	NUM
gp-336	188	9	)	)	PUNCT
gp-336	188	10	.	.	PUNCT
gp-336	189	1	transformative	transformative	ADJ
gp-336	189	2	technologies	technology	NOUN
gp-336	189	3	and	and	CCONJ
gp-336	189	4	techniques	technique	NOUN
gp-336	189	5	in	in	ADP
gp-336	189	6	innovation	innovation	NOUN
gp-336	189	7	and	and	CCONJ
gp-336	189	8	financial	financial	ADJ
gp-336	189	9	management	management	NOUN
gp-336	189	10	.	.	PUNCT
gp-336	190	1	gulati	gulati	PROPN
gp-336	190	2	,	,	PUNCT
gp-336	190	3	a.	a.	PROPN
gp-336	190	4	,	,	PUNCT
gp-336	190	5	&	&	CCONJ
gp-336	190	6	singh	singh	PROPN
gp-336	190	7	,	,	PUNCT
gp-336	190	8	s.	s.	PROPN
gp-336	190	9	(	(	PUNCT
gp-336	190	10	2024	2024	NUM
gp-336	190	11	)	)	PUNCT
gp-336	190	12	.	.	PUNCT
gp-336	191	1	the	the	DET
gp-336	191	2	changing	change	VERB
gp-336	191	3	landscape	landscape	NOUN
gp-336	191	4	of	of	ADP
gp-336	191	5	financial	financial	ADJ
gp-336	191	6	services	service	NOUN
gp-336	191	7	in	in	ADP
gp-336	191	8	the	the	DET
gp-336	191	9	age	age	NOUN
gp-336	191	10	of	of	ADP
gp-336	191	11	digitalisation	digitalisation	NOUN
gp-336	191	12	:	:	PUNCT
gp-336	191	13	a	a	DET
gp-336	191	14	bibliometric	bibliometric	ADJ
gp-336	191	15	analysis	analysis	NOUN
gp-336	191	16	.	.	PUNCT
gp-336	192	1	nmims	nmim	NOUN
gp-336	192	2	management	management	NOUN
gp-336	192	3	review	review	NOUN
gp-336	192	4	,	,	PUNCT
gp-336	192	5	32(1	32(1	NUM
gp-336	192	6	)	)	PUNCT
gp-336	192	7	,	,	PUNCT
gp-336	192	8	42–57	42–57	NUM
gp-336	192	9	.	.	PUNCT
gp-336	193	1	https://doi.org/10.1177/09711023241261139	https://doi.org/10.1177/09711023241261139	NOUN
gp-336	193	2	gurumurthy	gurumurthy	ADJ
gp-336	193	3	,	,	PUNCT
gp-336	193	4	r.	r.	PROPN
gp-336	193	5	,	,	PUNCT
gp-336	193	6	schatsky	schatsky	PROPN
gp-336	193	7	,	,	PUNCT
gp-336	193	8	d.	d.	PROPN
gp-336	193	9	,	,	PUNCT
gp-336	193	10	&	&	CCONJ
gp-336	193	11	camhi	camhi	PROPN
gp-336	193	12	,	,	PUNCT
gp-336	193	13	j.	j.	PROPN
gp-336	193	14	(	(	PUNCT
gp-336	193	15	2020	2020	NUM
gp-336	193	16	)	)	PUNCT
gp-336	193	17	.	.	PUNCT
gp-336	194	1	uncovering	uncover	VERB
gp-336	194	2	the	the	DET
gp-336	194	3	connection	connection	NOUN
gp-336	194	4	between	between	ADP
gp-336	194	5	digital	digital	ADJ
gp-336	194	6	maturity	maturity	NOUN
gp-336	194	7	and	and	CCONJ
gp-336	194	8	financial	financial	ADJ
gp-336	194	9	performance	performance	NOUN
gp-336	194	10	.	.	PUNCT
gp-336	195	1	deloitte	deloitte	PROPN
gp-336	195	2	insights	insight	NOUN
gp-336	195	3	,	,	PUNCT
gp-336	195	4	23	23	NUM
gp-336	195	5	.	.	PUNCT
gp-336	196	1	https://www.deloitte.com/us/en/insights/topics/digital-transformation/digitaltransformation-survey.html	https://www.deloitte.com/us/en/insights/topics/digital-transformation/digitaltransformation-survey.html	PROPN
gp-336	196	2	hanafiah	hanafiah	PROPN
gp-336	196	3	,	,	PUNCT
gp-336	196	4	h.	h.	PROPN
gp-336	196	5	,	,	PUNCT
gp-336	196	6	&	&	CCONJ
gp-336	196	7	dewi	dewi	PROPN
gp-336	196	8	,	,	PUNCT
gp-336	196	9	n.	n.	PROPN
gp-336	196	10	a.	a.	PROPN
gp-336	196	11	(	(	PUNCT
gp-336	196	12	2025	2025	NUM
gp-336	196	13	)	)	PUNCT
gp-336	196	14	.	.	PUNCT
gp-336	197	1	the	the	DET
gp-336	197	2	impact	impact	NOUN
gp-336	197	3	of	of	ADP
gp-336	197	4	utilizing	utilize	VERB
gp-336	197	5	an	an	DET
gp-336	197	6	authoritative	authoritative	ADJ
gp-336	197	7	approach	approach	NOUN
gp-336	197	8	on	on	ADP
gp-336	197	9	classroom	classroom	NOUN
gp-336	197	10	.	.	PUNCT
gp-336	198	1	firm	firm	ADJ
gp-336	198	2	journal	journal	PROPN
gp-336	198	3	of	of	ADP
gp-336	198	4	management	management	NOUN
gp-336	198	5	studies	study	NOUN
gp-336	198	6	,	,	PUNCT
gp-336	198	7	10(1	10(1	NUM
gp-336	198	8	)	)	PUNCT
gp-336	198	9	,	,	PUNCT
gp-336	198	10	298–309	298–309	NUM
gp-336	198	11	.	.	PUNCT
gp-336	199	1	ingriana	ingriana	PROPN
gp-336	199	2	,	,	PUNCT
gp-336	199	3	a.	a.	NOUN
gp-336	199	4	(	(	PUNCT
gp-336	199	5	2025	2025	NUM
gp-336	199	6	)	)	PUNCT
gp-336	199	7	.	.	PUNCT
gp-336	200	1	the	the	DET
gp-336	200	2	influence	influence	NOUN
gp-336	200	3	of	of	ADP
gp-336	200	4	e	e	NOUN
gp-336	200	5	-	-	NOUN
gp-336	200	6	trust	trust	NOUN
gp-336	200	7	on	on	ADP
gp-336	200	8	consumer	consumer	NOUN
gp-336	200	9	purchasing	purchasing	NOUN
gp-336	200	10	behavior	behavior	NOUN
gp-336	200	11	in	in	ADP
gp-336	200	12	e	e	NOUN
gp-336	200	13	-	-	NOUN
gp-336	200	14	commerce	commerce	NOUN
gp-336	200	15	.	.	PUNCT
gp-336	201	1	jumder	jumder	NOUN
gp-336	201	2	:	:	PUNCT
gp-336	201	3	jurnal	jurnal	PROPN
gp-336	201	4	bisnis	bisnis	PROPN
gp-336	201	5	digital	digital	PROPN
gp-336	201	6	dan	dan	PROPN
gp-336	201	7	ekonomi	ekonomi	PROPN
gp-336	201	8	kreatif	kreatif	PROPN
gp-336	201	9	,	,	PUNCT
gp-336	201	10	1(3	1(3	NUM
gp-336	201	11	)	)	PUNCT
gp-336	201	12	,	,	PUNCT
gp-336	201	13	16–31	16–31	NUM
gp-336	201	14	.	.	PUNCT
gp-336	202	1	long	long	PROPN
gp-336	202	2	,	,	PUNCT
gp-336	202	3	c.	c.	PROPN
gp-336	202	4	,	,	PUNCT
gp-336	202	5	&	&	CCONJ
gp-336	202	6	stewart	stewart	PROPN
gp-336	202	7	,	,	PUNCT
gp-336	202	8	j.	j.	PROPN
gp-336	202	9	(	(	PUNCT
gp-336	202	10	2025	2025	NUM
gp-336	202	11	)	)	PUNCT
gp-336	202	12	.	.	PUNCT
gp-336	203	1	pfm	pfm	NOUN
gp-336	203	2	and	and	CCONJ
gp-336	203	3	digitalisation	digitalisation	NOUN
gp-336	203	4	.	.	PUNCT
gp-336	204	1	in	in	ADP
gp-336	204	2	r.	r.	PROPN
gp-336	204	3	allen	allen	PROPN
gp-336	204	4	&	&	CCONJ
gp-336	204	5	p.	p.	PROPN
gp-336	204	6	krause	krause	PROPN
gp-336	204	7	(	(	PUNCT
gp-336	204	8	eds	eds	PROPN
gp-336	204	9	.	.	PUNCT
gp-336	204	10	)	)	PUNCT
gp-336	204	11	,	,	PUNCT
gp-336	204	12	contemporary	contemporary	ADJ
gp-336	204	13	issues	issue	NOUN
gp-336	204	14	and	and	CCONJ
gp-336	204	15	challenges	challenge	NOUN
gp-336	204	16	in	in	ADP
gp-336	204	17	public	public	ADJ
gp-336	204	18	financial	financial	ADJ
gp-336	204	19	management	management	NOUN
gp-336	204	20	(	(	PUNCT
gp-336	204	21	pp	pp	ADJ
gp-336	204	22	.	.	PUNCT
gp-336	204	23	231–252	231–252	NUM
gp-336	204	24	)	)	PUNCT
gp-336	204	25	.	.	PUNCT
gp-336	205	1	palgrave	palgrave	PROPN
gp-336	205	2	macmillan	macmillan	PROPN
gp-336	205	3	.	.	PUNCT
gp-336	206	1	https://doi.org/10.1007/978-3-031-81136-4_13	https://doi.org/10.1007/978-3-031-81136-4_13	PROPN
gp-336	206	2	mavlutova	mavlutova	PROPN
gp-336	206	3	,	,	PUNCT
gp-336	206	4	i.	i.	PROPN
gp-336	206	5	,	,	PUNCT
gp-336	206	6	spilbergs	spilbergs	PROPN
gp-336	206	7	,	,	PUNCT
gp-336	206	8	a.	a.	NOUN
gp-336	206	9	,	,	PUNCT
gp-336	206	10	verdenhofs	verdenhofs	NOUN
gp-336	206	11	,	,	PUNCT
gp-336	206	12	a.	a.	NOUN
gp-336	206	13	,	,	PUNCT
gp-336	206	14	natrins	natrin	NOUN
gp-336	206	15	,	,	PUNCT
gp-336	206	16	a.	a.	NOUN
gp-336	206	17	,	,	PUNCT
gp-336	206	18	arefjevs	arefjevs	NOUN
gp-336	206	19	,	,	PUNCT
gp-336	206	20	i.	i.	PROPN
gp-336	206	21	,	,	PUNCT
gp-336	206	22	&	&	CCONJ
gp-336	206	23	volkova	volkova	PROPN
gp-336	206	24	,	,	PUNCT
gp-336	206	25	t.	t.	PROPN
gp-336	206	26	(	(	PUNCT
gp-336	206	27	2023	2023	NUM
gp-336	206	28	)	)	PUNCT
gp-336	206	29	.	.	PUNCT
gp-336	207	1	digital	digital	ADJ
gp-336	207	2	transformation	transformation	NOUN
gp-336	207	3	as	as	ADP
gp-336	207	4	a	a	DET
gp-336	207	5	driver	driver	NOUN
gp-336	207	6	of	of	ADP
gp-336	207	7	the	the	DET
gp-336	207	8	financial	financial	ADJ
gp-336	207	9	sector	sector	NOUN
gp-336	207	10	sustainable	sustainable	ADJ
gp-336	207	11	development	development	NOUN
gp-336	207	12	:	:	PUNCT
gp-336	207	13	an	an	DET
gp-336	207	14	impact	impact	NOUN
gp-336	207	15	on	on	ADP
gp-336	207	16	financial	financial	ADJ
gp-336	207	17	inclusion	inclusion	NOUN
gp-336	207	18	and	and	CCONJ
gp-336	207	19	operational	operational	ADJ
gp-336	207	20	efficiency	efficiency	NOUN
gp-336	207	21	.	.	PUNCT
gp-336	208	1	sustainability	sustainability	NOUN
gp-336	208	2	,	,	PUNCT
gp-336	208	3	15(1	15(1	NUM
gp-336	208	4	)	)	PUNCT
gp-336	208	5	,	,	PUNCT
gp-336	208	6	207	207	NUM
gp-336	208	7	.	.	PUNCT
gp-336	209	1	https://doi.org/10.3390/su15010207	https://doi.org/10.3390/su15010207	NOUN
gp-336	209	2	nwoke	nwoke	PROPN
gp-336	209	3	,	,	PUNCT
gp-336	209	4	j.	j.	PROPN
gp-336	209	5	(	(	PUNCT
gp-336	209	6	2024	2024	NUM
gp-336	209	7	)	)	PUNCT
gp-336	209	8	.	.	PUNCT
gp-336	210	1	digital	digital	ADJ
gp-336	210	2	transformation	transformation	NOUN
gp-336	210	3	in	in	ADP
gp-336	210	4	financial	financial	ADJ
gp-336	210	5	services	service	NOUN
gp-336	210	6	and	and	CCONJ
gp-336	210	7	fintech	fintech	NOUN
gp-336	210	8	:	:	PUNCT
gp-336	210	9	trends	trend	NOUN
gp-336	210	10	,	,	PUNCT
gp-336	210	11	innovations	innovation	NOUN
gp-336	210	12	and	and	CCONJ
gp-336	210	13	emerging	emerge	VERB
gp-336	210	14	technologies	technology	NOUN
gp-336	210	15	.	.	PUNCT
gp-336	211	1	international	international	ADJ
gp-336	211	2	journal	journal	PROPN
gp-336	211	3	of	of	ADP
gp-336	211	4	finance	finance	NOUN
gp-336	211	5	,	,	PUNCT
gp-336	211	6	9(6	9(6	NUM
gp-336	211	7	)	)	PUNCT
gp-336	211	8	,	,	PUNCT
gp-336	211	9	1–24	1–24	PROPN
gp-336	211	10	.	.	PUNCT
gp-336	212	1	https://doi.org/10.47941/ijf.2224	https://doi.org/10.47941/ijf.2224	PROPN
gp-336	212	2	olga	olga	PROPN
gp-336	212	3	,	,	PUNCT
gp-336	212	4	k.	k.	PROPN
gp-336	212	5	(	(	PUNCT
gp-336	212	6	2025	2025	NUM
gp-336	212	7	)	)	PUNCT
gp-336	212	8	.	.	PUNCT
gp-336	213	1	the	the	DET
gp-336	213	2	role	role	NOUN
gp-336	213	3	of	of	ADP
gp-336	213	4	digital	digital	ADJ
gp-336	213	5	technologies	technology	NOUN
gp-336	213	6	in	in	ADP
gp-336	213	7	optimizing	optimize	VERB
gp-336	213	8	corporate	corporate	ADJ
gp-336	213	9	financial	financial	ADJ
gp-336	213	10	management	management	NOUN
gp-336	213	11	.	.	PUNCT
gp-336	214	1	the	the	DET
gp-336	214	2	american	american	PROPN
gp-336	214	3	journal	journal	PROPN
gp-336	214	4	of	of	ADP
gp-336	214	5	management	management	NOUN
gp-336	214	6	and	and	CCONJ
gp-336	214	7	economics	economic	NOUN
gp-336	214	8	innovations	innovation	NOUN
gp-336	214	9	,	,	PUNCT
gp-336	214	10	7(04	7(04	NOUN
gp-336	214	11	)	)	PUNCT
gp-336	214	12	,	,	PUNCT
gp-336	214	13	95	95	NUM
gp-336	214	14	–	–	PUNCT
gp-336	214	15	102	102	NUM
gp-336	214	16	.	.	PUNCT
gp-336	215	1	rivero	rivero	PROPN
gp-336	215	2	del	del	PROPN
gp-336	215	3	paso	paso	PROPN
gp-336	215	4	,	,	PUNCT
gp-336	215	5	l.	l.	PROPN
gp-336	215	6	,	,	PUNCT
gp-336	215	7	pattanayak	pattanayak	NOUN
gp-336	215	8	,	,	PUNCT
gp-336	215	9	s.	s.	PROPN
gp-336	215	10	,	,	PUNCT
gp-336	215	11	uña	uña	PROPN
gp-336	215	12	,	,	PUNCT
gp-336	215	13	g.	g.	PROPN
gp-336	215	14	,	,	PUNCT
gp-336	215	15	&	&	CCONJ
gp-336	215	16	tourpe	tourpe	PROPN
gp-336	215	17	,	,	PUNCT
gp-336	215	18	h.	h.	PROPN
gp-336	215	19	(	(	PUNCT
gp-336	215	20	2023	2023	NUM
gp-336	215	21	)	)	PUNCT
gp-336	215	22	.	.	PUNCT
gp-336	216	1	digital	digital	ADJ
gp-336	216	2	solutions	solution	NOUN
gp-336	216	3	guidelines	guideline	NOUN
gp-336	216	4	for	for	ADP
gp-336	216	5	public	public	ADJ
gp-336	216	6	financial	financial	ADJ
gp-336	216	7	management	management	NOUN
gp-336	216	8	.	.	PUNCT
gp-336	217	1	technical	technical	ADJ
gp-336	217	2	notes	note	NOUN
gp-336	217	3	and	and	CCONJ
gp-336	217	4	manuals	manual	NOUN
gp-336	217	5	,	,	PUNCT
gp-336	217	6	2023(007	2023(007	NUM
gp-336	217	7	)	)	PUNCT
gp-336	217	8	,	,	PUNCT
gp-336	217	9	a001	a001	PROPN
gp-336	217	10	.	.	PUNCT
gp-336	218	1	https://doi.org/10.5089/9798400251566.005.a001	https://doi.org/10.5089/9798400251566.005.a001	PROPN
gp-336	218	2	satiti	satiti	PROPN
gp-336	218	3	,	,	PUNCT
gp-336	218	4	n.	n.	PROPN
gp-336	218	5	r.	r.	PROPN
gp-336	218	6	,	,	PUNCT
gp-336	218	7	yin	yin	PROPN
gp-336	218	8	,	,	PUNCT
gp-336	218	9	t.	t.	PROPN
gp-336	218	10	s.	s.	PROPN
gp-336	218	11	,	,	PUNCT
gp-336	218	12	&	&	CCONJ
gp-336	218	13	pitchay	pitchay	PROPN
gp-336	218	14	,	,	PUNCT
gp-336	218	15	a.	a.	NOUN
gp-336	218	16	a.	a.	NOUN
gp-336	218	17	(	(	PUNCT
gp-336	218	18	2024	2024	NUM
gp-336	218	19	)	)	PUNCT
gp-336	218	20	.	.	PUNCT
gp-336	219	1	financial	financial	ADJ
gp-336	219	2	and	and	CCONJ
gp-336	219	3	technological	technological	ADJ
gp-336	219	4	literacies	literacy	NOUN
gp-336	219	5	:	:	PUNCT
gp-336	219	6	an	an	DET
gp-336	219	7	integrated	integrate	VERB
gp-336	219	8	systematic	systematic	ADJ
gp-336	219	9	review	review	NOUN
gp-336	219	10	using	use	VERB
gp-336	219	11	prisma	prisma	NOUN
gp-336	219	12	workflow	workflow	NOUN
gp-336	219	13	,	,	PUNCT
gp-336	219	14	bibliometric	bibliometric	ADJ
gp-336	219	15	analysis	analysis	NOUN
gp-336	219	16	and	and	CCONJ
gp-336	219	17	tccm	tccm	NOUN
gp-336	219	18	framework	framework	NOUN
gp-336	219	19	for	for	ADP
gp-336	219	20	future	future	ADJ
gp-336	219	21	research	research	NOUN
gp-336	219	22	agenda	agenda	NOUN
gp-336	219	23	.	.	PUNCT
gp-336	220	1	international	international	ADJ
gp-336	220	2	journal	journal	PROPN
gp-336	220	3	of	of	ADP
gp-336	220	4	academic	academic	ADJ
gp-336	220	5	reserach	reserach	NOUN
gp-336	220	6	in	in	ADP
gp-336	220	7	economics	economic	NOUN
gp-336	220	8	and	and	CCONJ
gp-336	220	9	management	management	NOUN
gp-336	220	10	sciences	science	NOUN
gp-336	220	11	,	,	PUNCT
gp-336	220	12	13(2	13(2	PROPN
gp-336	220	13	)	)	PUNCT
gp-336	220	14	.	.	PUNCT
gp-336	221	1	sharma	sharma	PROPN
gp-336	221	2	,	,	PUNCT
gp-336	221	3	h.	h.	PROPN
gp-336	221	4	,	,	PUNCT
gp-336	221	5	&	&	CCONJ
gp-336	221	6	díaz	díaz	PROPN
gp-336	221	7	andrade	andrade	PROPN
gp-336	221	8	,	,	PUNCT
gp-336	221	9	a.	a.	NOUN
gp-336	221	10	(	(	PUNCT
gp-336	221	11	2023	2023	NUM
gp-336	221	12	)	)	PUNCT
gp-336	221	13	.	.	PUNCT
gp-336	222	1	digital	digital	ADJ
gp-336	222	2	financial	financial	ADJ
gp-336	222	3	services	service	NOUN
gp-336	222	4	and	and	CCONJ
gp-336	222	5	human	human	ADJ
gp-336	222	6	development	development	NOUN
gp-336	222	7	:	:	PUNCT
gp-336	222	8	current	current	ADJ
gp-336	222	9	landscape	landscape	NOUN
gp-336	222	10	and	and	CCONJ
gp-336	222	11	research	research	NOUN
gp-336	222	12	prospects	prospect	NOUN
gp-336	222	13	.	.	PUNCT
gp-336	223	1	information	information	NOUN
gp-336	223	2	technology	technology	NOUN
gp-336	223	3	for	for	ADP
gp-336	223	4	development	development	NOUN
gp-336	223	5	,	,	PUNCT
gp-336	223	6	29(4	29(4	NOUN
gp-336	223	7	)	)	PUNCT
gp-336	223	8	,	,	PUNCT
gp-336	223	9	582–606	582–606	NUM
gp-336	223	10	.	.	PUNCT
gp-336	224	1	https://doi.org/10.1080/02681102.2023.2199189	https://doi.org/10.1080/02681102.2023.2199189	NOUN
gp-336	224	2	digitalisation	digitalisation	NOUN
gp-336	224	3	in	in	ADP
gp-336	224	4	financial	financial	ADJ
gp-336	224	5	planning	planning	NOUN
gp-336	224	6	:	:	PUNCT
gp-336	224	7	tools	tool	NOUN
gp-336	224	8	and	and	CCONJ
gp-336	224	9	trends	trend	NOUN
gp-336	224	10	for	for	ADP
gp-336	224	11	modern	modern	ADJ
gp-336	224	12	financial	financial	ADJ
gp-336	224	13	managers	manager	NOUN
gp-336	224	14	1665	1665	NUM
gp-336	224	15	sirignano	sirignano	NOUN
gp-336	224	16	,	,	PUNCT
gp-336	224	17	c.	c.	PROPN
gp-336	224	18	(	(	PUNCT
gp-336	224	19	2025	2025	NUM
gp-336	224	20	)	)	PUNCT
gp-336	224	21	.	.	PUNCT
gp-336	225	1	sustainability	sustainability	NOUN
gp-336	225	2	4.0	4.0	NUM
gp-336	225	3	:	:	PUNCT
gp-336	225	4	evaluating	evaluate	VERB
gp-336	225	5	the	the	DET
gp-336	225	6	holistic	holistic	ADJ
gp-336	225	7	impact	impact	NOUN
gp-336	225	8	of	of	ADP
gp-336	225	9	industry	industry	NOUN
gp-336	225	10	4.0	4.0	NUM
gp-336	225	11	technologies	technology	NOUN
gp-336	225	12	on	on	ADP
gp-336	225	13	esg	esg	PROPN
gp-336	225	14	pillars	pillar	NOUN
gp-336	225	15	from	from	ADP
gp-336	225	16	a	a	DET
gp-336	225	17	corporate	corporate	ADJ
gp-336	225	18	perspective	perspective	NOUN
gp-336	225	19	.	.	PUNCT
gp-336	226	1	politecnico	politecnico	PROPN
gp-336	226	2	di	di	PROPN
gp-336	226	3	torino	torino	PROPN
gp-336	226	4	.	.	PUNCT
gp-336	227	1	thottoli	thottoli	PROPN
gp-336	227	2	,	,	PUNCT
gp-336	227	3	m.	m.	NOUN
gp-336	227	4	m.	m.	NOUN
gp-336	227	5	,	,	PUNCT
gp-336	227	6	islam	islam	PROPN
gp-336	227	7	,	,	PUNCT
gp-336	227	8	m.	m.	NOUN
gp-336	227	9	a.	a.	PROPN
gp-336	227	10	,	,	PUNCT
gp-336	227	11	yusof	yusof	NOUN
gp-336	227	12	,	,	PUNCT
gp-336	227	13	m.	m.	PROPN
gp-336	227	14	f.	f.	PROPN
gp-336	227	15	bin	bin	PROPN
gp-336	227	16	,	,	PUNCT
gp-336	227	17	hassan	hassan	PROPN
gp-336	227	18	,	,	PUNCT
gp-336	227	19	m.	m.	NOUN
gp-336	227	20	s.	s.	PROPN
gp-336	227	21	,	,	PUNCT
gp-336	227	22	&	&	CCONJ
gp-336	227	23	hassan	hassan	PROPN
gp-336	227	24	,	,	PUNCT
gp-336	227	25	m.	m.	NOUN
gp-336	227	26	a.	a.	NOUN
gp-336	227	27	(	(	PUNCT
gp-336	227	28	2023	2023	NUM
gp-336	227	29	)	)	PUNCT
gp-336	227	30	.	.	PUNCT
gp-336	228	1	embracing	embrace	VERB
gp-336	228	2	digital	digital	ADJ
gp-336	228	3	transformation	transformation	NOUN
gp-336	228	4	in	in	ADP
gp-336	228	5	financial	financial	ADJ
gp-336	228	6	services	service	NOUN
gp-336	228	7	:	:	PUNCT
gp-336	228	8	from	from	ADP
gp-336	228	9	past	past	NOUN
gp-336	228	10	to	to	ADP
gp-336	228	11	future	future	NOUN
gp-336	228	12	.	.	PUNCT
gp-336	229	1	sage	sage	NOUN
gp-336	229	2	open	open	ADJ
gp-336	229	3	,	,	PUNCT
gp-336	229	4	13(4	13(4	NUM
gp-336	229	5	)	)	PUNCT
gp-336	229	6	.	.	PUNCT
gp-336	230	1	https://doi.org/10.1177/21582440231214590	https://doi.org/10.1177/21582440231214590	NUM
gp-336	230	2	werth	werth	NOUN
gp-336	230	3	,	,	PUNCT
gp-336	230	4	o.	o.	PROPN
gp-336	230	5	,	,	PUNCT
gp-336	230	6	schwarzbach	schwarzbach	NOUN
gp-336	230	7	,	,	PUNCT
gp-336	230	8	c.	c.	PROPN
gp-336	230	9	,	,	PUNCT
gp-336	230	10	rodríguez	rodríguez	PROPN
gp-336	230	11	cardona	cardona	PROPN
gp-336	230	12	,	,	PUNCT
gp-336	230	13	d.	d.	PROPN
gp-336	230	14	,	,	PUNCT
gp-336	230	15	&	&	CCONJ
gp-336	230	16	et	et	PROPN
gp-336	230	17	al	al	PROPN
gp-336	230	18	.	.	PROPN
gp-336	230	19	(	(	PUNCT
gp-336	230	20	2020	2020	NUM
gp-336	230	21	)	)	PUNCT
gp-336	230	22	.	.	PUNCT
gp-336	231	1	influencing	influence	VERB
gp-336	231	2	factors	factor	NOUN
gp-336	231	3	for	for	ADP
gp-336	231	4	the	the	DET
gp-336	231	5	digital	digital	ADJ
gp-336	231	6	transformation	transformation	NOUN
gp-336	231	7	in	in	ADP
gp-336	231	8	the	the	DET
gp-336	231	9	financial	financial	ADJ
gp-336	231	10	services	service	NOUN
gp-336	231	11	sector	sector	NOUN
gp-336	231	12	.	.	PUNCT
gp-336	232	1	zeitschrift	zeitschrift	PROPN
gp-336	232	2	für	für	PROPN
gp-336	232	3	versicherungswissenschaft	versicherungswissenschaft	PROPN
gp-336	232	4	,	,	PUNCT
gp-336	232	5	109	109	NUM
gp-336	232	6	,	,	PUNCT
gp-336	232	7	155–179	155–179	NUM
gp-336	232	8	.	.	PUNCT
gp-336	233	1	https://doi.org/10.1007/s12297-020-00486-6	https://doi.org/10.1007/s12297-020-00486-6	PROPN
gp-336	233	2	xing	xing	PROPN
gp-336	233	3	,	,	PUNCT
gp-336	233	4	z.	z.	PROPN
gp-336	233	5	,	,	PUNCT
gp-336	233	6	fu	fu	PROPN
gp-336	233	7	,	,	PUNCT
gp-336	233	8	w.	w.	PROPN
gp-336	233	9	,	,	PUNCT
gp-336	233	10	li	li	PROPN
gp-336	233	11	,	,	PUNCT
gp-336	233	12	l.	l.	PROPN
gp-336	233	13	,	,	PUNCT
gp-336	233	14	&	&	CCONJ
gp-336	233	15	wu	wu	PROPN
gp-336	233	16	,	,	PUNCT
gp-336	233	17	s.	s.	PROPN
gp-336	233	18	(	(	PUNCT
gp-336	233	19	2025	2025	NUM
gp-336	233	20	)	)	PUNCT
gp-336	233	21	.	.	PUNCT
gp-336	234	1	bibliometric	bibliometric	ADJ
gp-336	234	2	analysis	analysis	NOUN
gp-336	234	3	of	of	ADP
gp-336	234	4	microplastics	microplastic	NOUN
gp-336	234	5	research	research	NOUN
gp-336	234	6	:	:	PUNCT
gp-336	234	7	advances	advance	NOUN
gp-336	234	8	and	and	CCONJ
gp-336	234	9	future	future	ADJ
gp-336	234	10	directions	direction	NOUN
gp-336	234	11	(	(	PUNCT
gp-336	234	12	2020–2024	2020–2024	NUM
gp-336	234	13	)	)	PUNCT
gp-336	234	14	.	.	PUNCT
gp-336	235	1	continental	continental	ADJ
gp-336	235	2	shelf	shelf	NOUN
gp-336	235	3	research	research	NOUN
gp-336	235	4	,	,	PUNCT
gp-336	235	5	285	285	NUM
gp-336	235	6	,	,	PUNCT
gp-336	235	7	105371	105371	NUM
gp-336	235	8	.	.	PUNCT
gp-336	236	1	copyright	copyright	NOUN
gp-336	236	2	holders	holder	NOUN
gp-336	236	3	:	:	PUNCT
gp-336	236	4	tatyana	tatyana	PROPN
gp-336	236	5	tabisheva	tabisheva	PROPN
gp-336	236	6	(	(	PUNCT
gp-336	236	7	2025	2025	NUM
gp-336	236	8	)	)	PUNCT
gp-336	236	9	first	first	ADJ
gp-336	236	10	publication	publication	NOUN
gp-336	236	11	right	right	NOUN
gp-336	236	12	:	:	PUNCT
gp-336	236	13	ajemb	ajemb	PROPN
gp-336	236	14	–	–	PUNCT
gp-336	236	15	american	american	ADJ
gp-336	236	16	journal	journal	PROPN
gp-336	236	17	of	of	ADP
gp-336	236	18	economic	economic	ADJ
gp-336	236	19	and	and	CCONJ
gp-336	236	20	management	management	NOUN
gp-336	236	21	business	business	NOUN