id	sid	tid	token	lemma	pos
ajfti-2098	1	1	pa	pa	PROPN
ajfti-2098	1	2	ge	ge	PROPN
ajfti-2098	1	3	1	1	NUM
ajfti-2098	1	4	pa	pa	PROPN
ajfti-2098	1	5	ge	ge	PROPN
ajfti-2098	1	6	15	15	NUM
ajfti-2098	1	7	american	american	PROPN
ajfti-2098	1	8	journal	journal	PROPN
ajfti-2098	1	9	of	of	ADP
ajfti-2098	1	10	financial	financial	ADJ
ajfti-2098	1	11	technology	technology	NOUN
ajfti-2098	1	12	and	and	CCONJ
ajfti-2098	1	13	innovation	innovation	NOUN
ajfti-2098	1	14	(	(	PUNCT
ajfti-2098	1	15	ajfti	ajfti	NOUN
ajfti-2098	1	16	)	)	PUNCT
ajfti-2098	1	17	the	the	DET
ajfti-2098	1	18	role	role	NOUN
ajfti-2098	1	19	of	of	ADP
ajfti-2098	1	20	fintech	fintech	NOUN
ajfti-2098	1	21	in	in	ADP
ajfti-2098	1	22	promoting	promote	VERB
ajfti-2098	1	23	the	the	DET
ajfti-2098	1	24	takaful	takaful	ADJ
ajfti-2098	1	25	model	model	NOUN
ajfti-2098	1	26	of	of	ADP
ajfti-2098	1	27	islamic	islamic	PROPN
ajfti-2098	1	28	insurance	insurance	PROPN
ajfti-2098	1	29	raed	raed	PROPN
ajfti-2098	1	30	elomari1	elomari1	PROPN
ajfti-2098	1	31	*	*	PUNCT
ajfti-2098	1	32	volume	volume	NOUN
ajfti-2098	1	33	1	1	NUM
ajfti-2098	1	34	issue	issue	NOUN
ajfti-2098	1	35	1	1	NUM
ajfti-2098	1	36	,	,	PUNCT
ajfti-2098	1	37	year	year	NOUN
ajfti-2098	1	38	2023	2023	NUM
ajfti-2098	1	39	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2098	1	40	article	article	NOUN
ajfti-2098	1	41	information	information	NOUN
ajfti-2098	1	42	abstract	abstract	ADV
ajfti-2098	1	43	received	receive	VERB
ajfti-2098	1	44	:	:	PUNCT
ajfti-2098	1	45	september	september	PROPN
ajfti-2098	1	46	18	18	NUM
ajfti-2098	1	47	,	,	PUNCT
ajfti-2098	1	48	2023	2023	NUM
ajfti-2098	1	49	accepted	accept	VERB
ajfti-2098	1	50	:	:	PUNCT
ajfti-2098	1	51	october	october	PROPN
ajfti-2098	1	52	20	20	NUM
ajfti-2098	1	53	,	,	PUNCT
ajfti-2098	1	54	2023	2023	NUM
ajfti-2098	1	55	published	publish	VERB
ajfti-2098	1	56	:	:	PUNCT
ajfti-2098	1	57	october	october	PROPN
ajfti-2098	1	58	26	26	NUM
ajfti-2098	1	59	,	,	PUNCT
ajfti-2098	1	60	2023	2023	NUM
ajfti-2098	1	61	this	this	DET
ajfti-2098	1	62	study	study	NOUN
ajfti-2098	1	63	examines	examine	VERB
ajfti-2098	1	64	the	the	DET
ajfti-2098	1	65	influence	influence	NOUN
ajfti-2098	1	66	of	of	ADP
ajfti-2098	1	67	fintech	fintech	NOUN
ajfti-2098	1	68	integration	integration	NOUN
ajfti-2098	1	69	on	on	ADP
ajfti-2098	1	70	the	the	DET
ajfti-2098	1	71	takaful	takaful	ADJ
ajfti-2098	1	72	insurance	insurance	NOUN
ajfti-2098	1	73	business	business	NOUN
ajfti-2098	1	74	in	in	ADP
ajfti-2098	1	75	qatar	qatar	PROPN
ajfti-2098	1	76	,	,	PUNCT
ajfti-2098	1	77	emphasizing	emphasize	VERB
ajfti-2098	1	78	profitability	profitability	NOUN
ajfti-2098	1	79	and	and	CCONJ
ajfti-2098	1	80	industry	industry	NOUN
ajfti-2098	1	81	development	development	NOUN
ajfti-2098	1	82	.	.	PUNCT
ajfti-2098	2	1	takaful	takaful	ADJ
ajfti-2098	2	2	,	,	PUNCT
ajfti-2098	2	3	an	an	DET
ajfti-2098	2	4	islamic	islamic	ADJ
ajfti-2098	2	5	insurance	insurance	NOUN
ajfti-2098	2	6	policy	policy	NOUN
ajfti-2098	2	7	based	base	VERB
ajfti-2098	2	8	on	on	ADP
ajfti-2098	2	9	ethical	ethical	ADJ
ajfti-2098	2	10	values	value	NOUN
ajfti-2098	2	11	,	,	PUNCT
ajfti-2098	2	12	faces	face	VERB
ajfti-2098	2	13	practical	practical	ADJ
ajfti-2098	2	14	difficulties	difficulty	NOUN
ajfti-2098	2	15	.	.	PUNCT
ajfti-2098	3	1	fintech	fintech	NOUN
ajfti-2098	3	2	,	,	PUNCT
ajfti-2098	3	3	driven	drive	VERB
ajfti-2098	3	4	by	by	ADP
ajfti-2098	3	5	technical	technical	ADJ
ajfti-2098	3	6	breakthroughs	breakthrough	NOUN
ajfti-2098	3	7	such	such	ADJ
ajfti-2098	3	8	as	as	ADP
ajfti-2098	3	9	blockchain	blockchain	PROPN
ajfti-2098	3	10	and	and	CCONJ
ajfti-2098	3	11	ai	ai	VERB
ajfti-2098	3	12	,	,	PUNCT
ajfti-2098	3	13	provides	provide	VERB
ajfti-2098	3	14	solutions	solution	NOUN
ajfti-2098	3	15	to	to	PART
ajfti-2098	3	16	simplify	simplify	VERB
ajfti-2098	3	17	processes	process	NOUN
ajfti-2098	3	18	and	and	CCONJ
ajfti-2098	3	19	improve	improve	VERB
ajfti-2098	3	20	accessibility	accessibility	NOUN
ajfti-2098	3	21	.	.	PUNCT
ajfti-2098	4	1	to	to	PART
ajfti-2098	4	2	get	get	VERB
ajfti-2098	4	3	quantitative	quantitative	ADJ
ajfti-2098	4	4	data	datum	NOUN
ajfti-2098	4	5	,	,	PUNCT
ajfti-2098	4	6	320	320	NUM
ajfti-2098	4	7	takaful	takaful	ADJ
ajfti-2098	4	8	and	and	CCONJ
ajfti-2098	4	9	fintech	fintech	NOUN
ajfti-2098	4	10	experts	expert	NOUN
ajfti-2098	4	11	were	be	AUX
ajfti-2098	4	12	polled	poll	VERB
ajfti-2098	4	13	.	.	PUNCT
ajfti-2098	5	1	respondents	respondent	NOUN
ajfti-2098	5	2	had	have	VERB
ajfti-2098	5	3	a	a	DET
ajfti-2098	5	4	wide	wide	ADJ
ajfti-2098	5	5	range	range	NOUN
ajfti-2098	5	6	of	of	ADP
ajfti-2098	5	7	expertise	expertise	NOUN
ajfti-2098	5	8	levels	level	NOUN
ajfti-2098	5	9	,	,	PUNCT
ajfti-2098	5	10	emphasizing	emphasize	VERB
ajfti-2098	5	11	the	the	DET
ajfti-2098	5	12	importance	importance	NOUN
ajfti-2098	5	13	of	of	ADP
ajfti-2098	5	14	industry	industry	NOUN
ajfti-2098	5	15	collaboration	collaboration	NOUN
ajfti-2098	5	16	.	.	PUNCT
ajfti-2098	6	1	positive	positive	ADJ
ajfti-2098	6	2	opinions	opinion	NOUN
ajfti-2098	6	3	of	of	ADP
ajfti-2098	6	4	regulatory	regulatory	ADJ
ajfti-2098	6	5	support	support	NOUN
ajfti-2098	6	6	(	(	PUNCT
ajfti-2098	6	7	85.9	85.9	NUM
ajfti-2098	6	8	%	%	NOUN
ajfti-2098	6	9	)	)	PUNCT
ajfti-2098	6	10	and	and	CCONJ
ajfti-2098	6	11	proactive	proactive	ADJ
ajfti-2098	6	12	fintech	fintech	NOUN
ajfti-2098	6	13	uptake	uptake	NOUN
ajfti-2098	6	14	(	(	PUNCT
ajfti-2098	6	15	84.1	84.1	NUM
ajfti-2098	6	16	%	%	NOUN
ajfti-2098	6	17	)	)	PUNCT
ajfti-2098	6	18	were	be	AUX
ajfti-2098	6	19	noted	note	VERB
ajfti-2098	6	20	.	.	PUNCT
ajfti-2098	7	1	regulatory	regulatory	ADJ
ajfti-2098	7	2	barriers	barrier	NOUN
ajfti-2098	7	3	(	(	PUNCT
ajfti-2098	7	4	82.5	82.5	NUM
ajfti-2098	7	5	%	%	NOUN
ajfti-2098	7	6	)	)	PUNCT
ajfti-2098	7	7	,	,	PUNCT
ajfti-2098	7	8	cybersecurity	cybersecurity	NOUN
ajfti-2098	7	9	concerns	concern	NOUN
ajfti-2098	7	10	(	(	PUNCT
ajfti-2098	7	11	82.2	82.2	NUM
ajfti-2098	7	12	%	%	NOUN
ajfti-2098	7	13	)	)	PUNCT
ajfti-2098	7	14	,	,	PUNCT
ajfti-2098	7	15	opposition	opposition	NOUN
ajfti-2098	7	16	to	to	PART
ajfti-2098	7	17	change	change	VERB
ajfti-2098	7	18	(	(	PUNCT
ajfti-2098	7	19	82.8	82.8	NUM
ajfti-2098	7	20	%	%	NOUN
ajfti-2098	7	21	)	)	PUNCT
ajfti-2098	7	22	,	,	PUNCT
ajfti-2098	7	23	and	and	CCONJ
ajfti-2098	7	24	a	a	DET
ajfti-2098	7	25	lack	lack	NOUN
ajfti-2098	7	26	of	of	ADP
ajfti-2098	7	27	fintech	fintech	NOUN
ajfti-2098	7	28	financing	financing	NOUN
ajfti-2098	7	29	(	(	PUNCT
ajfti-2098	7	30	82.5	82.5	NUM
ajfti-2098	7	31	%	%	NOUN
ajfti-2098	7	32	)	)	PUNCT
ajfti-2098	7	33	were	be	AUX
ajfti-2098	7	34	among	among	ADP
ajfti-2098	7	35	the	the	DET
ajfti-2098	7	36	challenges	challenge	NOUN
ajfti-2098	7	37	.	.	PUNCT
ajfti-2098	8	1	the	the	DET
ajfti-2098	8	2	study	study	NOUN
ajfti-2098	8	3	discovered	discover	VERB
ajfti-2098	8	4	that	that	SCONJ
ajfti-2098	8	5	fintech	fintech	NOUN
ajfti-2098	8	6	plays	play	VERB
ajfti-2098	8	7	a	a	DET
ajfti-2098	8	8	substantial	substantial	ADJ
ajfti-2098	8	9	role	role	NOUN
ajfti-2098	8	10	in	in	ADP
ajfti-2098	8	11	increasing	increase	VERB
ajfti-2098	8	12	profitability	profitability	NOUN
ajfti-2098	8	13	,	,	PUNCT
ajfti-2098	8	14	with	with	ADP
ajfti-2098	8	15	91.3	91.3	NUM
ajfti-2098	8	16	%	%	NOUN
ajfti-2098	8	17	reporting	report	VERB
ajfti-2098	8	18	greater	great	ADJ
ajfti-2098	8	19	earnings	earning	NOUN
ajfti-2098	8	20	and	and	CCONJ
ajfti-2098	8	21	84.4	84.4	NUM
ajfti-2098	8	22	%	%	NOUN
ajfti-2098	8	23	reporting	reporting	NOUN
ajfti-2098	8	24	enhanced	enhance	VERB
ajfti-2098	8	25	operational	operational	ADJ
ajfti-2098	8	26	efficiency	efficiency	NOUN
ajfti-2098	8	27	.	.	PUNCT
ajfti-2098	9	1	personalized	personalize	VERB
ajfti-2098	9	2	insurance	insurance	NOUN
ajfti-2098	9	3	solutions	solution	NOUN
ajfti-2098	9	4	(	(	PUNCT
ajfti-2098	9	5	84.4	84.4	NUM
ajfti-2098	9	6	%	%	NOUN
ajfti-2098	9	7	)	)	PUNCT
ajfti-2098	9	8	and	and	CCONJ
ajfti-2098	9	9	data	datum	NOUN
ajfti-2098	9	10	-	-	PUNCT
ajfti-2098	9	11	driven	drive	VERB
ajfti-2098	9	12	growth	growth	NOUN
ajfti-2098	9	13	(	(	PUNCT
ajfti-2098	9	14	88.1	88.1	NUM
ajfti-2098	9	15	%	%	NOUN
ajfti-2098	9	16	)	)	PUNCT
ajfti-2098	9	17	generated	generate	VERB
ajfti-2098	9	18	profitability	profitability	NOUN
ajfti-2098	9	19	.	.	PUNCT
ajfti-2098	10	1	fintech	fintech	NOUN
ajfti-2098	10	2	was	be	AUX
ajfti-2098	10	3	largely	largely	ADV
ajfti-2098	10	4	viewed	view	VERB
ajfti-2098	10	5	as	as	ADP
ajfti-2098	10	6	supporting	support	VERB
ajfti-2098	10	7	the	the	DET
ajfti-2098	10	8	takaful	takaful	ADJ
ajfti-2098	10	9	insurance	insurance	NOUN
ajfti-2098	10	10	sector	sector	NOUN
ajfti-2098	10	11	(	(	PUNCT
ajfti-2098	10	12	83.4	83.4	NUM
ajfti-2098	10	13	%	%	NOUN
ajfti-2098	10	14	)	)	PUNCT
ajfti-2098	10	15	,	,	PUNCT
ajfti-2098	10	16	increasing	increase	VERB
ajfti-2098	10	17	client	client	NOUN
ajfti-2098	10	18	involvement	involvement	NOUN
ajfti-2098	10	19	(	(	PUNCT
ajfti-2098	10	20	81.9	81.9	NUM
ajfti-2098	10	21	%	%	NOUN
ajfti-2098	10	22	)	)	PUNCT
ajfti-2098	10	23	and	and	CCONJ
ajfti-2098	10	24	confidence	confidence	NOUN
ajfti-2098	10	25	.	.	PUNCT
ajfti-2098	11	1	correlation	correlation	NOUN
ajfti-2098	11	2	and	and	CCONJ
ajfti-2098	11	3	regression	regression	NOUN
ajfti-2098	11	4	analysis	analysis	NOUN
ajfti-2098	11	5	demonstrated	demonstrate	VERB
ajfti-2098	11	6	the	the	DET
ajfti-2098	11	7	existence	existence	NOUN
ajfti-2098	11	8	of	of	ADP
ajfti-2098	11	9	favorable	favorable	ADJ
ajfti-2098	11	10	relationships	relationship	NOUN
ajfti-2098	11	11	between	between	ADP
ajfti-2098	11	12	fintech	fintech	NOUN
ajfti-2098	11	13	integration	integration	NOUN
ajfti-2098	11	14	,	,	PUNCT
ajfti-2098	11	15	its	its	PRON
ajfti-2098	11	16	problems	problem	NOUN
ajfti-2098	11	17	,	,	PUNCT
ajfti-2098	11	18	profitability	profitability	NOUN
ajfti-2098	11	19	,	,	PUNCT
ajfti-2098	11	20	and	and	CCONJ
ajfti-2098	11	21	industry	industry	NOUN
ajfti-2098	11	22	promotion	promotion	NOUN
ajfti-2098	11	23	.	.	PUNCT
ajfti-2098	12	1	these	these	DET
ajfti-2098	12	2	studies	study	NOUN
ajfti-2098	12	3	highlight	highlight	VERB
ajfti-2098	12	4	fintech	fintech	NOUN
ajfti-2098	12	5	’s	’s	PART
ajfti-2098	12	6	transformational	transformational	ADJ
ajfti-2098	12	7	potential	potential	NOUN
ajfti-2098	12	8	and	and	CCONJ
ajfti-2098	12	9	inform	inform	VERB
ajfti-2098	12	10	industry	industry	NOUN
ajfti-2098	12	11	stakeholders	stakeholder	NOUN
ajfti-2098	12	12	and	and	CCONJ
ajfti-2098	12	13	policymakers	policymaker	NOUN
ajfti-2098	12	14	.	.	PUNCT
ajfti-2098	13	1	addressing	address	VERB
ajfti-2098	13	2	regulatory	regulatory	ADJ
ajfti-2098	13	3	,	,	PUNCT
ajfti-2098	13	4	cybersecurity	cybersecurity	NOUN
ajfti-2098	13	5	,	,	PUNCT
ajfti-2098	13	6	change	change	NOUN
ajfti-2098	13	7	resistance	resistance	NOUN
ajfti-2098	13	8	,	,	PUNCT
ajfti-2098	13	9	and	and	CCONJ
ajfti-2098	13	10	finance	finance	NOUN
ajfti-2098	13	11	issues	issue	NOUN
ajfti-2098	13	12	is	be	AUX
ajfti-2098	13	13	critical	critical	ADJ
ajfti-2098	13	14	to	to	ADP
ajfti-2098	13	15	effectively	effectively	ADV
ajfti-2098	13	16	integrating	integrate	VERB
ajfti-2098	13	17	fintech	fintech	NOUN
ajfti-2098	13	18	into	into	ADP
ajfti-2098	13	19	qatar	qatar	PROPN
ajfti-2098	13	20	’s	’s	PART
ajfti-2098	13	21	takaful	takaful	ADJ
ajfti-2098	13	22	insurance	insurance	NOUN
ajfti-2098	13	23	.	.	PUNCT
ajfti-2098	14	1	keywords	keyword	NOUN
ajfti-2098	14	2	fintech	fintech	PROPN
ajfti-2098	14	3	,	,	PUNCT
ajfti-2098	14	4	shariah	shariah	PROPN
ajfti-2098	14	5	,	,	PUNCT
ajfti-2098	14	6	takaful	takaful	ADJ
ajfti-2098	14	7	insurance	insurance	NOUN
ajfti-2098	14	8	,	,	PUNCT
ajfti-2098	14	9	qatar	qatar	NOUN
ajfti-2098	14	10	,	,	PUNCT
ajfti-2098	14	11	profitability	profitability	NOUN
ajfti-2098	14	12	,	,	PUNCT
ajfti-2098	14	13	insurance	insurance	NOUN
ajfti-2098	14	14	introduction	introduction	NOUN
ajfti-2098	14	15	islamic	islamic	ADJ
ajfti-2098	14	16	finance	finance	PROPN
ajfti-2098	14	17	has	have	AUX
ajfti-2098	14	18	gained	gain	VERB
ajfti-2098	14	19	prominence	prominence	NOUN
ajfti-2098	14	20	recently	recently	ADV
ajfti-2098	14	21	,	,	PUNCT
ajfti-2098	14	22	with	with	ADP
ajfti-2098	14	23	a	a	DET
ajfti-2098	14	24	growing	grow	VERB
ajfti-2098	14	25	global	global	ADJ
ajfti-2098	14	26	interest	interest	NOUN
ajfti-2098	14	27	in	in	ADP
ajfti-2098	14	28	sharia	sharia	NOUN
ajfti-2098	14	29	-	-	PUNCT
ajfti-2098	14	30	compliant	compliant	ADJ
ajfti-2098	14	31	financial	financial	ADJ
ajfti-2098	14	32	products	product	NOUN
ajfti-2098	14	33	and	and	CCONJ
ajfti-2098	14	34	services	service	NOUN
ajfti-2098	14	35	(	(	PUNCT
ajfti-2098	14	36	kadi	kadi	NOUN
ajfti-2098	14	37	,	,	PUNCT
ajfti-2098	14	38	2023	2023	NUM
ajfti-2098	14	39	)	)	PUNCT
ajfti-2098	14	40	.	.	PUNCT
ajfti-2098	15	1	among	among	ADP
ajfti-2098	15	2	these	these	DET
ajfti-2098	15	3	,	,	PUNCT
ajfti-2098	15	4	takaful	takaful	ADJ
ajfti-2098	15	5	,	,	PUNCT
ajfti-2098	15	6	or	or	CCONJ
ajfti-2098	15	7	islamic	islamic	ADJ
ajfti-2098	15	8	insurance	insurance	NOUN
ajfti-2098	15	9	,	,	PUNCT
ajfti-2098	15	10	stands	stand	VERB
ajfti-2098	15	11	out	out	ADP
ajfti-2098	15	12	as	as	ADP
ajfti-2098	15	13	a	a	DET
ajfti-2098	15	14	key	key	ADJ
ajfti-2098	15	15	component	component	NOUN
ajfti-2098	15	16	of	of	ADP
ajfti-2098	15	17	the	the	DET
ajfti-2098	15	18	islamic	islamic	PROPN
ajfti-2098	15	19	finance	finance	PROPN
ajfti-2098	15	20	ecosystem	ecosystem	PROPN
ajfti-2098	15	21	.	.	PUNCT
ajfti-2098	16	1	alhammadi	alhammadi	NOUN
ajfti-2098	16	2	(	(	PUNCT
ajfti-2098	16	3	2023	2023	NUM
ajfti-2098	16	4	)	)	PUNCT
ajfti-2098	16	5	explains	explain	VERB
ajfti-2098	16	6	that	that	SCONJ
ajfti-2098	16	7	takaful	takaful	ADJ
ajfti-2098	16	8	embodies	embody	VERB
ajfti-2098	16	9	the	the	DET
ajfti-2098	16	10	principles	principle	NOUN
ajfti-2098	16	11	of	of	ADP
ajfti-2098	16	12	cooperation	cooperation	NOUN
ajfti-2098	16	13	,	,	PUNCT
ajfti-2098	16	14	risk	risk	NOUN
ajfti-2098	16	15	-	-	PUNCT
ajfti-2098	16	16	sharing	sharing	NOUN
ajfti-2098	16	17	,	,	PUNCT
ajfti-2098	16	18	and	and	CCONJ
ajfti-2098	16	19	adherence	adherence	NOUN
ajfti-2098	16	20	to	to	ADP
ajfti-2098	16	21	islamic	islamic	ADJ
ajfti-2098	16	22	ethical	ethical	ADJ
ajfti-2098	16	23	guidelines	guideline	NOUN
ajfti-2098	16	24	.	.	PUNCT
ajfti-2098	17	1	however	however	ADV
ajfti-2098	17	2	,	,	PUNCT
ajfti-2098	17	3	despite	despite	SCONJ
ajfti-2098	17	4	its	its	PRON
ajfti-2098	17	5	potential	potential	NOUN
ajfti-2098	17	6	to	to	PART
ajfti-2098	17	7	provide	provide	VERB
ajfti-2098	17	8	financial	financial	ADJ
ajfti-2098	17	9	security	security	NOUN
ajfti-2098	17	10	to	to	ADP
ajfti-2098	17	11	muslim	muslim	ADJ
ajfti-2098	17	12	communities	community	NOUN
ajfti-2098	17	13	worldwide	worldwide	ADV
ajfti-2098	17	14	,	,	PUNCT
ajfti-2098	17	15	takaful	takaful	ADJ
ajfti-2098	17	16	has	have	AUX
ajfti-2098	17	17	faced	face	VERB
ajfti-2098	17	18	challenges	challenge	NOUN
ajfti-2098	17	19	related	relate	VERB
ajfti-2098	17	20	to	to	ADP
ajfti-2098	17	21	operational	operational	ADJ
ajfti-2098	17	22	efficiency	efficiency	NOUN
ajfti-2098	17	23	and	and	CCONJ
ajfti-2098	17	24	accessibility	accessibility	NOUN
ajfti-2098	17	25	(	(	PUNCT
ajfti-2098	17	26	alhammadi	alhammadi	NOUN
ajfti-2098	17	27	,	,	PUNCT
ajfti-2098	17	28	2023	2023	NUM
ajfti-2098	17	29	)	)	PUNCT
ajfti-2098	17	30	.	.	PUNCT
ajfti-2098	18	1	bhasin	bhasin	PROPN
ajfti-2098	18	2	&	&	CCONJ
ajfti-2098	18	3	rajesh	rajesh	PROPN
ajfti-2098	18	4	(	(	PUNCT
ajfti-2098	18	5	2018	2018	NUM
ajfti-2098	18	6	)	)	PUNCT
ajfti-2098	18	7	stresses	stress	VERB
ajfti-2098	18	8	that	that	SCONJ
ajfti-2098	18	9	takaful	takaful	ADJ
ajfti-2098	18	10	is	be	AUX
ajfti-2098	18	11	grounded	ground	VERB
ajfti-2098	18	12	in	in	ADP
ajfti-2098	18	13	islamic	islamic	ADJ
ajfti-2098	18	14	principles	principle	NOUN
ajfti-2098	18	15	,	,	PUNCT
ajfti-2098	18	16	emphasizing	emphasize	VERB
ajfti-2098	18	17	the	the	DET
ajfti-2098	18	18	absence	absence	NOUN
ajfti-2098	18	19	of	of	ADP
ajfti-2098	18	20	riba	riba	PROPN
ajfti-2098	18	21	(	(	PUNCT
ajfti-2098	18	22	interest	interest	NOUN
ajfti-2098	18	23	)	)	PUNCT
ajfti-2098	18	24	,	,	PUNCT
ajfti-2098	18	25	gharar	gharar	NOUN
ajfti-2098	18	26	(	(	PUNCT
ajfti-2098	18	27	excessive	excessive	ADJ
ajfti-2098	18	28	uncertainty	uncertainty	NOUN
ajfti-2098	18	29	)	)	PUNCT
ajfti-2098	18	30	,	,	PUNCT
ajfti-2098	18	31	and	and	CCONJ
ajfti-2098	18	32	maisir	maisir	NOUN
ajfti-2098	18	33	(	(	PUNCT
ajfti-2098	18	34	gambling	gambling	NOUN
ajfti-2098	18	35	)	)	PUNCT
ajfti-2098	18	36	in	in	ADP
ajfti-2098	18	37	its	its	PRON
ajfti-2098	18	38	operations	operation	NOUN
ajfti-2098	18	39	.	.	PUNCT
ajfti-2098	19	1	traditional	traditional	ADJ
ajfti-2098	19	2	takaful	takaful	ADJ
ajfti-2098	19	3	models	model	NOUN
ajfti-2098	19	4	have	have	AUX
ajfti-2098	19	5	struggled	struggle	VERB
ajfti-2098	19	6	to	to	PART
ajfti-2098	19	7	achieve	achieve	VERB
ajfti-2098	19	8	profitability	profitability	NOUN
ajfti-2098	19	9	and	and	CCONJ
ajfti-2098	19	10	operational	operational	ADJ
ajfti-2098	19	11	efficiency	efficiency	NOUN
ajfti-2098	19	12	due	due	ADP
ajfti-2098	19	13	to	to	ADP
ajfti-2098	19	14	adverse	adverse	ADJ
ajfti-2098	19	15	selection	selection	NOUN
ajfti-2098	19	16	,	,	PUNCT
ajfti-2098	19	17	moral	moral	ADJ
ajfti-2098	19	18	hazard	hazard	NOUN
ajfti-2098	19	19	,	,	PUNCT
ajfti-2098	19	20	and	and	CCONJ
ajfti-2098	19	21	high	high	ADJ
ajfti-2098	19	22	operational	operational	ADJ
ajfti-2098	19	23	costs	cost	NOUN
ajfti-2098	19	24	(	(	PUNCT
ajfti-2098	19	25	bhasin	bhasin	PROPN
ajfti-2098	19	26	&	&	CCONJ
ajfti-2098	19	27	rajesh	rajesh	PROPN
ajfti-2098	19	28	,	,	PUNCT
ajfti-2098	19	29	2018	2018	NUM
ajfti-2098	19	30	;	;	PUNCT
ajfti-2098	19	31	hassan	hassan	PROPN
ajfti-2098	19	32	et	et	PROPN
ajfti-2098	19	33	al	al	PROPN
ajfti-2098	19	34	.	.	PROPN
ajfti-2098	19	35	,	,	PUNCT
ajfti-2098	19	36	2022	2022	NUM
ajfti-2098	19	37	)	)	PUNCT
ajfti-2098	19	38	.	.	PUNCT
ajfti-2098	20	1	however	however	ADV
ajfti-2098	20	2	,	,	PUNCT
ajfti-2098	20	3	recent	recent	ADJ
ajfti-2098	20	4	developments	development	NOUN
ajfti-2098	20	5	in	in	ADP
ajfti-2098	20	6	financial	financial	ADJ
ajfti-2098	20	7	technology	technology	NOUN
ajfti-2098	20	8	(	(	PUNCT
ajfti-2098	20	9	fintech	fintech	NOUN
ajfti-2098	20	10	)	)	PUNCT
ajfti-2098	20	11	have	have	AUX
ajfti-2098	20	12	begun	begin	VERB
ajfti-2098	20	13	to	to	PART
ajfti-2098	20	14	revolutionize	revolutionize	VERB
ajfti-2098	20	15	the	the	DET
ajfti-2098	20	16	takaful	takaful	ADJ
ajfti-2098	20	17	industry	industry	NOUN
ajfti-2098	20	18	of	of	ADP
ajfti-2098	20	19	qatar	qatar	PROPN
ajfti-2098	20	20	.	.	PUNCT
ajfti-2098	21	1	additionally	additionally	ADV
ajfti-2098	21	2	,	,	PUNCT
ajfti-2098	21	3	a	a	DET
ajfti-2098	21	4	recent	recent	ADJ
ajfti-2098	21	5	report	report	NOUN
ajfti-2098	21	6	by	by	ADP
ajfti-2098	21	7	ernst	ernst	PROPN
ajfti-2098	21	8	&	&	CCONJ
ajfti-2098	21	9	young	young	ADJ
ajfti-2098	21	10	(	(	PUNCT
ajfti-2098	21	11	2022	2022	NUM
ajfti-2098	21	12	)	)	PUNCT
ajfti-2098	21	13	,	,	PUNCT
ajfti-2098	21	14	“	"	PUNCT
ajfti-2098	21	15	world	world	NOUN
ajfti-2098	21	16	takaful	takaful	ADJ
ajfti-2098	21	17	report	report	NOUN
ajfti-2098	21	18	,	,	PUNCT
ajfti-2098	21	19	”	"	PUNCT
ajfti-2098	21	20	indicates	indicate	VERB
ajfti-2098	21	21	that	that	SCONJ
ajfti-2098	21	22	technologydriven	technologydriven	PROPN
ajfti-2098	21	23	innovations	innovation	NOUN
ajfti-2098	21	24	,	,	PUNCT
ajfti-2098	21	25	such	such	ADJ
ajfti-2098	21	26	as	as	ADP
ajfti-2098	21	27	blockchain	blockchain	PROPN
ajfti-2098	21	28	,	,	PUNCT
ajfti-2098	21	29	ai	ai	VERB
ajfti-2098	21	30	,	,	PUNCT
ajfti-2098	21	31	and	and	CCONJ
ajfti-2098	21	32	digital	digital	ADJ
ajfti-2098	21	33	distribution	distribution	NOUN
ajfti-2098	21	34	channels	channel	NOUN
ajfti-2098	21	35	,	,	PUNCT
ajfti-2098	21	36	have	have	AUX
ajfti-2098	21	37	helped	help	VERB
ajfti-2098	21	38	takaful	takaful	ADJ
ajfti-2098	21	39	operators	operator	NOUN
ajfti-2098	21	40	streamline	streamline	VERB
ajfti-2098	21	41	operations	operation	NOUN
ajfti-2098	21	42	,	,	PUNCT
ajfti-2098	21	43	reduce	reduce	VERB
ajfti-2098	21	44	costs	cost	NOUN
ajfti-2098	21	45	and	and	CCONJ
ajfti-2098	21	46	enhance	enhance	VERB
ajfti-2098	21	47	customer	customer	NOUN
ajfti-2098	21	48	experiences	experience	NOUN
ajfti-2098	21	49	(	(	PUNCT
ajfti-2098	21	50	young	young	ADJ
ajfti-2098	21	51	.	.	PUNCT
ajfti-2098	21	52	,	,	PUNCT
ajfti-2098	21	53	2022	2022	NUM
ajfti-2098	21	54	)	)	PUNCT
ajfti-2098	21	55	.	.	PUNCT
ajfti-2098	22	1	moreover	moreover	ADV
ajfti-2098	22	2	,	,	PUNCT
ajfti-2098	22	3	fintech	fintech	NOUN
ajfti-2098	22	4	has	have	AUX
ajfti-2098	22	5	enabled	enable	VERB
ajfti-2098	22	6	the	the	DET
ajfti-2098	22	7	creation	creation	NOUN
ajfti-2098	22	8	of	of	ADP
ajfti-2098	22	9	micro	micro	ADJ
ajfti-2098	22	10	-	-	ADJ
ajfti-2098	22	11	takaful	takaful	ADJ
ajfti-2098	22	12	products	product	NOUN
ajfti-2098	22	13	,	,	PUNCT
ajfti-2098	22	14	making	make	VERB
ajfti-2098	22	15	insurance	insurance	NOUN
ajfti-2098	22	16	more	more	ADV
ajfti-2098	22	17	accessible	accessible	ADJ
ajfti-2098	22	18	to	to	ADP
ajfti-2098	22	19	low	low	ADJ
ajfti-2098	22	20	-	-	PUNCT
ajfti-2098	22	21	income	income	NOUN
ajfti-2098	22	22	populations	population	NOUN
ajfti-2098	22	23	in	in	ADP
ajfti-2098	22	24	emerging	emerge	VERB
ajfti-2098	22	25	markets	market	NOUN
ajfti-2098	22	26	.	.	PUNCT
ajfti-2098	23	1	this	this	PRON
ajfti-2098	23	2	aligns	align	VERB
ajfti-2098	23	3	with	with	ADP
ajfti-2098	23	4	the	the	DET
ajfti-2098	23	5	findings	finding	NOUN
ajfti-2098	23	6	of	of	ADP
ajfti-2098	23	7	the	the	DET
ajfti-2098	23	8	islamic	islamic	PROPN
ajfti-2098	23	9	development	development	PROPN
ajfti-2098	23	10	bank	bank	PROPN
ajfti-2098	23	11	’s	’s	PART
ajfti-2098	23	12	“	"	PUNCT
ajfti-2098	23	13	islamic	islamic	ADJ
ajfti-2098	23	14	finance	finance	NOUN
ajfti-2098	23	15	for	for	ADP
ajfti-2098	23	16	sustainable	sustainable	ADJ
ajfti-2098	23	17	development	development	NOUN
ajfti-2098	23	18	report”(icd	report”(icd	NOUN
ajfti-2098	23	19	,	,	PUNCT
ajfti-2098	23	20	2022	2022	NUM
ajfti-2098	23	21	)	)	PUNCT
ajfti-2098	23	22	,	,	PUNCT
ajfti-2098	23	23	emphasizing	emphasize	VERB
ajfti-2098	23	24	the	the	DET
ajfti-2098	23	25	role	role	NOUN
ajfti-2098	23	26	of	of	ADP
ajfti-2098	23	27	technology	technology	NOUN
ajfti-2098	23	28	in	in	ADP
ajfti-2098	23	29	achieving	achieve	VERB
ajfti-2098	23	30	financial	financial	ADJ
ajfti-2098	23	31	inclusion	inclusion	NOUN
ajfti-2098	23	32	.	.	PUNCT
ajfti-2098	24	1	furthermore	furthermore	ADV
ajfti-2098	24	2	,	,	PUNCT
ajfti-2098	24	3	a	a	DET
ajfti-2098	24	4	report	report	NOUN
ajfti-2098	24	5	by	by	ADP
ajfti-2098	24	6	the	the	DET
ajfti-2098	24	7	international	international	ADJ
ajfti-2098	24	8	monetary	monetary	ADJ
ajfti-2098	24	9	fund	fund	NOUN
ajfti-2098	24	10	released	release	VERB
ajfti-2098	24	11	in	in	ADP
ajfti-2098	24	12	(	(	PUNCT
ajfti-2098	24	13	2022	2022	NUM
ajfti-2098	24	14	)	)	PUNCT
ajfti-2098	24	15	,	,	PUNCT
ajfti-2098	24	16	emphasizes	emphasize	VERB
ajfti-2098	24	17	the	the	DET
ajfti-2098	24	18	importance	importance	NOUN
ajfti-2098	24	19	of	of	ADP
ajfti-2098	24	20	regulatory	regulatory	ADJ
ajfti-2098	24	21	frameworks	framework	NOUN
ajfti-2098	24	22	that	that	PRON
ajfti-2098	24	23	foster	foster	ADJ
ajfti-2098	24	24	fintech	fintech	NOUN
ajfti-2098	24	25	innovation	innovation	NOUN
ajfti-2098	24	26	while	while	SCONJ
ajfti-2098	24	27	ensuring	ensure	VERB
ajfti-2098	24	28	compliance	compliance	NOUN
ajfti-2098	24	29	with	with	ADP
ajfti-2098	24	30	islamic	islamic	ADJ
ajfti-2098	24	31	finance	finance	NOUN
ajfti-2098	24	32	principles	principle	NOUN
ajfti-2098	24	33	(	(	PUNCT
ajfti-2098	24	34	ashfaq	ashfaq	PROPN
ajfti-2098	24	35	&	&	CCONJ
ajfti-2098	24	36	zada	zada	PROPN
ajfti-2098	24	37	,	,	PUNCT
ajfti-2098	24	38	2021	2021	NUM
ajfti-2098	24	39	;	;	PUNCT
ajfti-2098	24	40	bank	bank	NOUN
ajfti-2098	24	41	,	,	PUNCT
ajfti-2098	24	42	2020	2020	NUM
ajfti-2098	24	43	;	;	PUNCT
ajfti-2098	24	44	imf	imf	PROPN
ajfti-2098	24	45	,	,	PUNCT
ajfti-2098	24	46	2023	2023	NUM
ajfti-2098	24	47	)	)	PUNCT
ajfti-2098	24	48	.	.	PUNCT
ajfti-2098	25	1	furthermore	furthermore	ADV
ajfti-2098	25	2	,	,	PUNCT
ajfti-2098	25	3	the	the	DET
ajfti-2098	25	4	study	study	NOUN
ajfti-2098	25	5	investigated	investigate	VERB
ajfti-2098	25	6	the	the	DET
ajfti-2098	25	7	technological	technological	ADJ
ajfti-2098	25	8	advancements	advancement	NOUN
ajfti-2098	25	9	and	and	CCONJ
ajfti-2098	25	10	delved	delve	VERB
ajfti-2098	25	11	into	into	ADP
ajfti-2098	25	12	regulatory	regulatory	ADJ
ajfti-2098	25	13	aspects	aspect	NOUN
ajfti-2098	25	14	critical	critical	ADJ
ajfti-2098	25	15	for	for	ADP
ajfti-2098	25	16	the	the	DET
ajfti-2098	25	17	successful	successful	ADJ
ajfti-2098	25	18	integration	integration	NOUN
ajfti-2098	25	19	of	of	ADP
ajfti-2098	25	20	fintech	fintech	NOUN
ajfti-2098	25	21	in	in	ADP
ajfti-2098	25	22	takaful	takaful	ADJ
ajfti-2098	25	23	operations	operation	NOUN
ajfti-2098	25	24	.	.	PUNCT
ajfti-2098	26	1	in	in	ADP
ajfti-2098	26	2	essence	essence	NOUN
ajfti-2098	26	3	,	,	PUNCT
ajfti-2098	26	4	it	it	PRON
ajfti-2098	26	5	examines	examine	VERB
ajfti-2098	26	6	the	the	DET
ajfti-2098	26	7	complex	complex	ADJ
ajfti-2098	26	8	nature	nature	NOUN
ajfti-2098	26	9	and	and	CCONJ
ajfti-2098	26	10	associated	associated	ADJ
ajfti-2098	26	11	factors	factor	NOUN
ajfti-2098	26	12	of	of	ADP
ajfti-2098	26	13	takaful	takaful	ADJ
ajfti-2098	26	14	insurance	insurance	NOUN
ajfti-2098	26	15	,	,	PUNCT
ajfti-2098	26	16	the	the	DET
ajfti-2098	26	17	emerging	emerge	VERB
ajfti-2098	26	18	trend	trend	NOUN
ajfti-2098	26	19	of	of	ADP
ajfti-2098	26	20	fintech	fintech	NOUN
ajfti-2098	26	21	,	,	PUNCT
ajfti-2098	26	22	and	and	CCONJ
ajfti-2098	26	23	its	its	PRON
ajfti-2098	26	24	role	role	NOUN
ajfti-2098	26	25	in	in	ADP
ajfti-2098	26	26	promoting	promote	VERB
ajfti-2098	26	27	takaful	takaful	ADJ
ajfti-2098	26	28	insurance	insurance	NOUN
ajfti-2098	26	29	.	.	PUNCT
ajfti-2098	27	1	the	the	DET
ajfti-2098	27	2	current	current	ADJ
ajfti-2098	27	3	study	study	NOUN
ajfti-2098	27	4	determines	determine	VERB
ajfti-2098	27	5	how	how	SCONJ
ajfti-2098	27	6	fintech	fintech	NOUN
ajfti-2098	27	7	innovations	innovation	NOUN
ajfti-2098	27	8	reshape	reshape	VERB
ajfti-2098	27	9	the	the	DET
ajfti-2098	27	10	takaful	takaful	ADJ
ajfti-2098	27	11	landscape	landscape	NOUN
ajfti-2098	27	12	,	,	PUNCT
ajfti-2098	27	13	expand	expand	VERB
ajfti-2098	27	14	its	its	PRON
ajfti-2098	27	15	reach	reach	NOUN
ajfti-2098	27	16	,	,	PUNCT
ajfti-2098	27	17	and	and	CCONJ
ajfti-2098	27	18	enhance	enhance	VERB
ajfti-2098	27	19	its	its	PRON
ajfti-2098	27	20	operational	operational	ADJ
ajfti-2098	27	21	efficiency	efficiency	NOUN
ajfti-2098	27	22	.	.	PUNCT
ajfti-2098	28	1	literature	literature	NOUN
ajfti-2098	28	2	review	review	VERB
ajfti-2098	28	3	the	the	DET
ajfti-2098	28	4	takaful	takaful	ADJ
ajfti-2098	28	5	models	model	NOUN
ajfti-2098	28	6	,	,	PUNCT
ajfti-2098	28	7	despite	despite	SCONJ
ajfti-2098	28	8	their	their	PRON
ajfti-2098	28	9	adherence	adherence	NOUN
ajfti-2098	28	10	to	to	ADP
ajfti-2098	28	11	ethical	ethical	ADJ
ajfti-2098	28	12	guidelines	guideline	NOUN
ajfti-2098	28	13	,	,	PUNCT
ajfti-2098	28	14	face	face	VERB
ajfti-2098	28	15	intricate	intricate	ADJ
ajfti-2098	28	16	issues	issue	NOUN
ajfti-2098	28	17	that	that	PRON
ajfti-2098	28	18	hinder	hinder	VERB
ajfti-2098	28	19	their	their	PRON
ajfti-2098	28	20	efficiency	efficiency	NOUN
ajfti-2098	28	21	and	and	CCONJ
ajfti-2098	28	22	financial	financial	ADJ
ajfti-2098	28	23	viability	viability	NOUN
ajfti-2098	28	24	highlighted	highlight	VERB
ajfti-2098	28	25	by	by	ADP
ajfti-2098	28	26	alhammadi	alhammadi	NOUN
ajfti-2098	28	27	,	,	PUNCT
ajfti-2098	28	28	(	(	PUNCT
ajfti-2098	28	29	2023	2023	NUM
ajfti-2098	28	30	)	)	PUNCT
ajfti-2098	28	31	.	.	PUNCT
ajfti-2098	29	1	the	the	DET
ajfti-2098	29	2	study	study	NOUN
ajfti-2098	29	3	also	also	ADV
ajfti-2098	29	4	contends	contend	VERB
ajfti-2098	29	5	that	that	SCONJ
ajfti-2098	29	6	operational	operational	ADJ
ajfti-2098	29	7	hurdles	hurdle	NOUN
ajfti-2098	29	8	in	in	ADP
ajfti-2098	29	9	takaful	takaful	ADJ
ajfti-2098	29	10	insurance	insurance	NOUN
ajfti-2098	29	11	include	include	VERB
ajfti-2098	29	12	adverse	adverse	ADJ
ajfti-2098	29	13	selection	selection	NOUN
ajfti-2098	29	14	,	,	PUNCT
ajfti-2098	29	15	where	where	SCONJ
ajfti-2098	29	16	policyholders	policyholder	NOUN
ajfti-2098	29	17	with	with	ADP
ajfti-2098	29	18	higher	high	ADJ
ajfti-2098	29	19	risks	risk	NOUN
ajfti-2098	29	20	disproportionately	disproportionately	ADV
ajfti-2098	29	21	seek	seek	VERB
ajfti-2098	29	22	coverage	coverage	NOUN
ajfti-2098	29	23	,	,	PUNCT
ajfti-2098	29	24	leading	lead	VERB
ajfti-2098	29	25	to	to	ADP
ajfti-2098	29	26	imbalanced	imbalanced	ADJ
ajfti-2098	29	27	risk	risk	NOUN
ajfti-2098	29	28	pools	pool	NOUN
ajfti-2098	29	29	(	(	PUNCT
ajfti-2098	29	30	alhammadi	alhammadi	NOUN
ajfti-2098	29	31	,	,	PUNCT
ajfti-2098	29	32	2023	2023	NUM
ajfti-2098	29	33	)	)	PUNCT
ajfti-2098	29	34	.	.	PUNCT
ajfti-2098	30	1	additionally	additionally	ADV
ajfti-2098	30	2	,	,	PUNCT
ajfti-2098	30	3	gherbi	gherbi	X
ajfti-2098	30	4	(	(	PUNCT
ajfti-2098	30	5	2021	2021	NUM
ajfti-2098	30	6	)	)	PUNCT
ajfti-2098	30	7	has	have	AUX
ajfti-2098	30	8	noted	note	VERB
ajfti-2098	30	9	that	that	SCONJ
ajfti-2098	30	10	moral	moral	ADJ
ajfti-2098	30	11	hazard	hazard	NOUN
ajfti-2098	30	12	poses	pose	VERB
ajfti-2098	30	13	a	a	DET
ajfti-2098	30	14	problem	problem	NOUN
ajfti-2098	30	15	as	as	SCONJ
ajfti-2098	30	16	policyholders	policyholder	NOUN
ajfti-2098	30	17	might	might	AUX
ajfti-2098	30	18	engage	engage	VERB
ajfti-2098	30	19	in	in	ADP
ajfti-2098	30	20	riskier	risky	ADJ
ajfti-2098	30	21	behavior	behavior	NOUN
ajfti-2098	30	22	once	once	ADV
ajfti-2098	30	23	protected	protect	VERB
ajfti-2098	30	24	by	by	ADP
ajfti-2098	30	25	takaful	takaful	ADJ
ajfti-2098	30	26	coverage	coverage	NOUN
ajfti-2098	30	27	,	,	PUNCT
ajfti-2098	30	28	1	1	NUM
ajfti-2098	30	29	metlife	metlife	NOUN
ajfti-2098	30	30	gulf	gulf	PROPN
ajfti-2098	30	31	,	,	PUNCT
ajfti-2098	30	32	dubai	dubai	PROPN
ajfti-2098	30	33	,	,	PUNCT
ajfti-2098	30	34	united	united	PROPN
ajfti-2098	30	35	arab	arab	PROPN
ajfti-2098	30	36	emirates	emirates	PROPN
ajfti-2098	30	37	*	*	PUNCT
ajfti-2098	30	38	corresponding	correspond	VERB
ajfti-2098	30	39	author	author	NOUN
ajfti-2098	30	40	’s	’s	PART
ajfti-2098	30	41	e	e	NOUN
ajfti-2098	30	42	-	-	NOUN
ajfti-2098	30	43	mail	mail	NOUN
ajfti-2098	30	44	:	:	PUNCT
ajfti-2098	30	45	dr.raed_elomari@outlook.com	dr.raed_elomari@outlook.com	PROPN
ajfti-2098	30	46	pa	pa	PROPN
ajfti-2098	30	47	ge	ge	PROPN
ajfti-2098	30	48	16	16	NUM
ajfti-2098	30	49	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2098	30	50	am	be	AUX
ajfti-2098	30	51	.	.	PUNCT
ajfti-2098	31	1	j.	j.	PROPN
ajfti-2098	31	2	financ	financ	PROPN
ajfti-2098	31	3	.	.	PUNCT
ajfti-2098	32	1	technol	technol	PROPN
ajfti-2098	32	2	.	.	PUNCT
ajfti-2098	32	3	innov	innov	PROPN
ajfti-2098	32	4	.	.	PUNCT
ajfti-2098	33	1	1(1	1(1	NUM
ajfti-2098	33	2	)	)	PUNCT
ajfti-2098	33	3	15	15	NUM
ajfti-2098	33	4	-	-	SYM
ajfti-2098	33	5	23	23	NUM
ajfti-2098	33	6	,	,	PUNCT
ajfti-2098	33	7	2023	2023	NUM
ajfti-2098	33	8	further	far	ADV
ajfti-2098	33	9	straining	strain	VERB
ajfti-2098	33	10	the	the	DET
ajfti-2098	33	11	industry	industry	NOUN
ajfti-2098	33	12	’s	’s	PART
ajfti-2098	33	13	financial	financial	ADJ
ajfti-2098	33	14	health	health	NOUN
ajfti-2098	33	15	.	.	PUNCT
ajfti-2098	34	1	moreover	moreover	ADV
ajfti-2098	34	2	,	,	PUNCT
ajfti-2098	34	3	high	high	ADJ
ajfti-2098	34	4	operational	operational	ADJ
ajfti-2098	34	5	costs	cost	NOUN
ajfti-2098	34	6	are	be	AUX
ajfti-2098	34	7	a	a	DET
ajfti-2098	34	8	common	common	ADJ
ajfti-2098	34	9	challenge	challenge	NOUN
ajfti-2098	34	10	,	,	PUNCT
ajfti-2098	34	11	primarily	primarily	ADV
ajfti-2098	34	12	due	due	ADP
ajfti-2098	34	13	to	to	ADP
ajfti-2098	34	14	the	the	DET
ajfti-2098	34	15	complexities	complexity	NOUN
ajfti-2098	34	16	associated	associate	VERB
ajfti-2098	34	17	with	with	ADP
ajfti-2098	34	18	maintaining	maintain	VERB
ajfti-2098	34	19	sharia	sharia	PROPN
ajfti-2098	34	20	compliance	compliance	NOUN
ajfti-2098	34	21	,	,	PUNCT
ajfti-2098	34	22	elaborate	elaborate	ADJ
ajfti-2098	34	23	administrative	administrative	ADJ
ajfti-2098	34	24	processes	process	NOUN
ajfti-2098	34	25	,	,	PUNCT
ajfti-2098	34	26	and	and	CCONJ
ajfti-2098	34	27	the	the	DET
ajfti-2098	34	28	need	need	NOUN
ajfti-2098	34	29	for	for	ADP
ajfti-2098	34	30	economies	economy	NOUN
ajfti-2098	34	31	of	of	ADP
ajfti-2098	34	32	scale	scale	NOUN
ajfti-2098	34	33	(	(	PUNCT
ajfti-2098	34	34	gherbi	gherbi	NOUN
ajfti-2098	34	35	,	,	PUNCT
ajfti-2098	34	36	2021	2021	NUM
ajfti-2098	34	37	;	;	PUNCT
ajfti-2098	34	38	sim	sim	PROPN
ajfti-2098	34	39	&	&	CCONJ
ajfti-2098	34	40	hassan	hassan	PROPN
ajfti-2098	34	41	,	,	PUNCT
ajfti-2098	34	42	2019	2019	NUM
ajfti-2098	34	43	)	)	PUNCT
ajfti-2098	34	44	.	.	PUNCT
ajfti-2098	35	1	these	these	DET
ajfti-2098	35	2	operational	operational	ADJ
ajfti-2098	35	3	difficulties	difficulty	NOUN
ajfti-2098	35	4	,	,	PUNCT
ajfti-2098	35	5	as	as	SCONJ
ajfti-2098	35	6	outlined	outline	VERB
ajfti-2098	35	7	by	by	ADP
ajfti-2098	35	8	lee	lee	PROPN
ajfti-2098	35	9	et	et	PROPN
ajfti-2098	35	10	al	al	PROPN
ajfti-2098	35	11	.	.	PROPN
ajfti-2098	35	12	(	(	PUNCT
ajfti-2098	35	13	2019	2019	NUM
ajfti-2098	35	14	)	)	PUNCT
ajfti-2098	35	15	,	,	PUNCT
ajfti-2098	35	16	significantly	significantly	ADV
ajfti-2098	35	17	impact	impact	VERB
ajfti-2098	35	18	the	the	DET
ajfti-2098	35	19	takaful	takaful	ADJ
ajfti-2098	35	20	insurance	insurance	NOUN
ajfti-2098	35	21	industry	industry	NOUN
ajfti-2098	35	22	’s	’s	PART
ajfti-2098	35	23	ability	ability	NOUN
ajfti-2098	35	24	to	to	PART
ajfti-2098	35	25	operate	operate	VERB
ajfti-2098	35	26	efficiently	efficiently	ADV
ajfti-2098	35	27	and	and	CCONJ
ajfti-2098	35	28	maintain	maintain	VERB
ajfti-2098	35	29	profitability	profitability	NOUN
ajfti-2098	35	30	(	(	PUNCT
ajfti-2098	35	31	lee	lee	PROPN
ajfti-2098	35	32	et	et	PROPN
ajfti-2098	35	33	al	al	PROPN
ajfti-2098	35	34	.	.	PROPN
ajfti-2098	35	35	,	,	PUNCT
ajfti-2098	35	36	2019	2019	NUM
ajfti-2098	35	37	)	)	PUNCT
ajfti-2098	35	38	.	.	PUNCT
ajfti-2098	36	1	on	on	ADP
ajfti-2098	36	2	the	the	DET
ajfti-2098	36	3	profitability	profitability	NOUN
ajfti-2098	36	4	front	front	NOUN
ajfti-2098	36	5	,	,	PUNCT
ajfti-2098	36	6	takaful	takaful	ADJ
ajfti-2098	36	7	operators	operator	NOUN
ajfti-2098	36	8	often	often	ADV
ajfti-2098	36	9	contend	contend	VERB
ajfti-2098	36	10	with	with	ADP
ajfti-2098	36	11	underwriting	underwriting	NOUN
ajfti-2098	36	12	deficits	deficit	NOUN
ajfti-2098	36	13	,	,	PUNCT
ajfti-2098	36	14	where	where	SCONJ
ajfti-2098	36	15	the	the	DET
ajfti-2098	36	16	premiums	premium	NOUN
ajfti-2098	36	17	collected	collect	VERB
ajfti-2098	36	18	do	do	AUX
ajfti-2098	36	19	not	not	PART
ajfti-2098	36	20	cover	cover	VERB
ajfti-2098	36	21	the	the	DET
ajfti-2098	36	22	claims	claim	NOUN
ajfti-2098	36	23	and	and	CCONJ
ajfti-2098	36	24	operational	operational	ADJ
ajfti-2098	36	25	expenses	expense	NOUN
ajfti-2098	36	26	(	(	PUNCT
ajfti-2098	36	27	malik	malik	PROPN
ajfti-2098	36	28	et	et	PROPN
ajfti-2098	36	29	al	al	PROPN
ajfti-2098	36	30	.	.	PROPN
ajfti-2098	36	31	,	,	PUNCT
ajfti-2098	36	32	2019	2019	NUM
ajfti-2098	36	33	)	)	PUNCT
ajfti-2098	36	34	.	.	PUNCT
ajfti-2098	37	1	malik	malik	PROPN
ajfti-2098	37	2	et	et	PROPN
ajfti-2098	37	3	al	al	PROPN
ajfti-2098	37	4	.	.	PROPN
ajfti-2098	38	1	(	(	PUNCT
ajfti-2098	38	2	2018	2018	NUM
ajfti-2098	38	3	)	)	PUNCT
ajfti-2098	38	4	state	state	NOUN
ajfti-2098	38	5	that	that	SCONJ
ajfti-2098	38	6	this	this	DET
ajfti-2098	38	7	challenge	challenge	NOUN
ajfti-2098	38	8	is	be	AUX
ajfti-2098	38	9	compounded	compound	VERB
ajfti-2098	38	10	by	by	ADP
ajfti-2098	38	11	investment	investment	NOUN
ajfti-2098	38	12	constraints	constraint	NOUN
ajfti-2098	38	13	inherent	inherent	ADJ
ajfti-2098	38	14	in	in	ADP
ajfti-2098	38	15	sharia	sharia	NOUN
ajfti-2098	38	16	-	-	PUNCT
ajfti-2098	38	17	compliant	compliant	ADJ
ajfti-2098	38	18	investments	investment	NOUN
ajfti-2098	38	19	,	,	PUNCT
ajfti-2098	38	20	limiting	limit	VERB
ajfti-2098	38	21	the	the	DET
ajfti-2098	38	22	types	type	NOUN
ajfti-2098	38	23	of	of	ADP
ajfti-2098	38	24	assets	asset	NOUN
ajfti-2098	38	25	in	in	ADP
ajfti-2098	38	26	which	which	PRON
ajfti-2098	38	27	takaful	takaful	ADJ
ajfti-2098	38	28	operators	operator	NOUN
ajfti-2098	38	29	can	can	AUX
ajfti-2098	38	30	invest	invest	VERB
ajfti-2098	38	31	,	,	PUNCT
ajfti-2098	38	32	potentially	potentially	ADV
ajfti-2098	38	33	yielding	yield	VERB
ajfti-2098	38	34	lower	low	ADJ
ajfti-2098	38	35	returns	return	NOUN
ajfti-2098	38	36	compared	compare	VERB
ajfti-2098	38	37	to	to	ADP
ajfti-2098	38	38	their	their	PRON
ajfti-2098	38	39	conventional	conventional	ADJ
ajfti-2098	38	40	counterparts	counterpart	NOUN
ajfti-2098	38	41	(	(	PUNCT
ajfti-2098	38	42	malik	malik	PROPN
ajfti-2098	38	43	et	et	PROPN
ajfti-2098	38	44	al	al	PROPN
ajfti-2098	38	45	.	.	PROPN
ajfti-2098	38	46	,	,	PUNCT
ajfti-2098	38	47	2018	2018	NUM
ajfti-2098	38	48	)	)	PUNCT
ajfti-2098	38	49	.	.	PUNCT
ajfti-2098	39	1	furthermore	furthermore	ADV
ajfti-2098	39	2	,	,	PUNCT
ajfti-2098	39	3	abu	abu	PROPN
ajfti-2098	39	4	al	al	PROPN
ajfti-2098	39	5	-	-	PUNCT
ajfti-2098	39	6	haija	haija	PROPN
ajfti-2098	39	7	&	&	CCONJ
ajfti-2098	39	8	houcine	houcine	PROPN
ajfti-2098	39	9	(	(	PUNCT
ajfti-2098	39	10	2023	2023	NUM
ajfti-2098	39	11	)	)	PUNCT
ajfti-2098	39	12	highlight	highlight	VERB
ajfti-2098	39	13	that	that	SCONJ
ajfti-2098	39	14	the	the	DET
ajfti-2098	39	15	need	need	NOUN
ajfti-2098	39	16	for	for	ADP
ajfti-2098	39	17	effective	effective	ADJ
ajfti-2098	39	18	risk	risk	NOUN
ajfti-2098	39	19	diversification	diversification	NOUN
ajfti-2098	39	20	,	,	PUNCT
ajfti-2098	39	21	partly	partly	ADV
ajfti-2098	39	22	due	due	ADJ
ajfti-2098	39	23	to	to	ADP
ajfti-2098	39	24	limited	limited	ADJ
ajfti-2098	39	25	investment	investment	NOUN
ajfti-2098	39	26	options	option	NOUN
ajfti-2098	39	27	and	and	CCONJ
ajfti-2098	39	28	specific	specific	ADJ
ajfti-2098	39	29	product	product	NOUN
ajfti-2098	39	30	and	and	CCONJ
ajfti-2098	39	31	geographical	geographical	ADJ
ajfti-2098	39	32	focus	focus	NOUN
ajfti-2098	39	33	,	,	PUNCT
ajfti-2098	39	34	adds	add	VERB
ajfti-2098	39	35	to	to	ADP
ajfti-2098	39	36	the	the	DET
ajfti-2098	39	37	industry	industry	NOUN
ajfti-2098	39	38	’s	’s	PART
ajfti-2098	39	39	profitability	profitability	NOUN
ajfti-2098	39	40	struggles	struggle	NOUN
ajfti-2098	39	41	.	.	PUNCT
ajfti-2098	40	1	these	these	DET
ajfti-2098	40	2	factors	factor	NOUN
ajfti-2098	40	3	,	,	PUNCT
ajfti-2098	40	4	as	as	SCONJ
ajfti-2098	40	5	documented	document	VERB
ajfti-2098	40	6	in	in	ADP
ajfti-2098	40	7	the	the	DET
ajfti-2098	40	8	world	world	NOUN
ajfti-2098	40	9	takaful	takaful	ADJ
ajfti-2098	40	10	report	report	NOUN
ajfti-2098	40	11	by	by	ADP
ajfti-2098	40	12	ernst	ernst	PROPN
ajfti-2098	40	13	&	&	CCONJ
ajfti-2098	40	14	young	young	PROPN
ajfti-2098	40	15	(	(	PUNCT
ajfti-2098	40	16	2020	2020	NUM
ajfti-2098	40	17	)	)	PUNCT
ajfti-2098	40	18	,	,	PUNCT
ajfti-2098	40	19	highlight	highlight	VERB
ajfti-2098	40	20	the	the	DET
ajfti-2098	40	21	multifaceted	multifaceted	ADJ
ajfti-2098	40	22	nature	nature	NOUN
ajfti-2098	40	23	of	of	ADP
ajfti-2098	40	24	profitability	profitability	NOUN
ajfti-2098	40	25	challenges	challenge	NOUN
ajfti-2098	40	26	faced	face	VERB
ajfti-2098	40	27	by	by	ADP
ajfti-2098	40	28	the	the	DET
ajfti-2098	40	29	takaful	takaful	ADJ
ajfti-2098	40	30	insurance	insurance	NOUN
ajfti-2098	40	31	industry	industry	NOUN
ajfti-2098	40	32	(	(	PUNCT
ajfti-2098	40	33	abu	abu	PROPN
ajfti-2098	40	34	al	al	PROPN
ajfti-2098	40	35	-	-	PUNCT
ajfti-2098	40	36	haija	haija	PROPN
ajfti-2098	40	37	&	&	CCONJ
ajfti-2098	40	38	houcine	houcine	NOUN
ajfti-2098	40	39	,	,	PUNCT
ajfti-2098	40	40	2023	2023	NUM
ajfti-2098	40	41	;	;	PUNCT
ajfti-2098	40	42	young	young	ADJ
ajfti-2098	40	43	.	.	PUNCT
ajfti-2098	40	44	,	,	PUNCT
ajfti-2098	40	45	2022	2022	NUM
ajfti-2098	40	46	)	)	PUNCT
ajfti-2098	40	47	.	.	PUNCT
ajfti-2098	41	1	expanding	expand	VERB
ajfti-2098	41	2	this	this	PRON
ajfti-2098	41	3	,	,	PUNCT
ajfti-2098	41	4	kad	kad	PROPN
ajfti-2098	41	5	(	(	PUNCT
ajfti-2098	41	6	2023	2023	NUM
ajfti-2098	41	7	)	)	PUNCT
ajfti-2098	41	8	suggests	suggest	VERB
ajfti-2098	41	9	that	that	SCONJ
ajfti-2098	41	10	addressing	address	VERB
ajfti-2098	41	11	these	these	DET
ajfti-2098	41	12	issues	issue	NOUN
ajfti-2098	41	13	is	be	AUX
ajfti-2098	41	14	vital	vital	ADJ
ajfti-2098	41	15	for	for	ADP
ajfti-2098	41	16	ensuring	ensure	VERB
ajfti-2098	41	17	the	the	DET
ajfti-2098	41	18	sustainable	sustainable	ADJ
ajfti-2098	41	19	growth	growth	NOUN
ajfti-2098	41	20	and	and	CCONJ
ajfti-2098	41	21	success	success	NOUN
ajfti-2098	41	22	of	of	ADP
ajfti-2098	41	23	takaful	takaful	ADJ
ajfti-2098	41	24	insurance	insurance	NOUN
ajfti-2098	41	25	,	,	PUNCT
ajfti-2098	41	26	necessitating	necessitate	VERB
ajfti-2098	41	27	innovative	innovative	ADJ
ajfti-2098	41	28	solutions	solution	NOUN
ajfti-2098	41	29	and	and	CCONJ
ajfti-2098	41	30	regulatory	regulatory	ADJ
ajfti-2098	41	31	support	support	NOUN
ajfti-2098	41	32	to	to	PART
ajfti-2098	41	33	bolster	bolster	VERB
ajfti-2098	41	34	financial	financial	ADJ
ajfti-2098	41	35	stability	stability	NOUN
ajfti-2098	41	36	and	and	CCONJ
ajfti-2098	41	37	improve	improve	VERB
ajfti-2098	41	38	profitability	profitability	NOUN
ajfti-2098	41	39	in	in	ADP
ajfti-2098	41	40	the	the	DET
ajfti-2098	41	41	industry	industry	NOUN
ajfti-2098	41	42	(	(	PUNCT
ajfti-2098	41	43	kadi	kadi	NOUN
ajfti-2098	41	44	,	,	PUNCT
ajfti-2098	41	45	2023	2023	NUM
ajfti-2098	41	46	)	)	PUNCT
ajfti-2098	41	47	.	.	PUNCT
ajfti-2098	42	1	fintech	fintech	NOUN
ajfti-2098	42	2	and	and	CCONJ
ajfti-2098	42	3	takaful	takaful	ADJ
ajfti-2098	42	4	insurance	insurance	NOUN
ajfti-2098	42	5	industry	industry	NOUN
ajfti-2098	42	6	:	:	PUNCT
ajfti-2098	42	7	a	a	DET
ajfti-2098	42	8	case	case	NOUN
ajfti-2098	42	9	of	of	ADP
ajfti-2098	42	10	qatar	qatar	NOUN
ajfti-2098	42	11	the	the	DET
ajfti-2098	42	12	integration	integration	NOUN
ajfti-2098	42	13	of	of	ADP
ajfti-2098	42	14	financial	financial	ADJ
ajfti-2098	42	15	technology	technology	NOUN
ajfti-2098	42	16	,	,	PUNCT
ajfti-2098	42	17	or	or	CCONJ
ajfti-2098	42	18	fintech	fintech	NOUN
ajfti-2098	42	19	,	,	PUNCT
ajfti-2098	42	20	has	have	AUX
ajfti-2098	42	21	been	be	AUX
ajfti-2098	42	22	instrumental	instrumental	ADJ
ajfti-2098	42	23	in	in	ADP
ajfti-2098	42	24	catalyzing	catalyze	VERB
ajfti-2098	42	25	the	the	DET
ajfti-2098	42	26	growth	growth	NOUN
ajfti-2098	42	27	of	of	ADP
ajfti-2098	42	28	qatar	qatar	PROPN
ajfti-2098	42	29	’s	’s	PART
ajfti-2098	42	30	takaful	takaful	ADJ
ajfti-2098	42	31	insurance	insurance	NOUN
ajfti-2098	42	32	industry	industry	NOUN
ajfti-2098	42	33	(	(	PUNCT
ajfti-2098	42	34	glavina	glavina	NOUN
ajfti-2098	42	35	et	et	PROPN
ajfti-2098	42	36	al	al	PROPN
ajfti-2098	42	37	.	.	PROPN
ajfti-2098	42	38	,	,	PUNCT
ajfti-2098	42	39	2021	2021	NUM
ajfti-2098	42	40	)	)	PUNCT
ajfti-2098	42	41	.	.	PUNCT
ajfti-2098	43	1	bertillo	bertillo	PROPN
ajfti-2098	43	2	&	&	CCONJ
ajfti-2098	43	3	bertillo	bertillo	PROPN
ajfti-2098	43	4	(	(	PUNCT
ajfti-2098	43	5	2022	2022	NUM
ajfti-2098	43	6	)	)	PUNCT
ajfti-2098	43	7	,	,	PUNCT
ajfti-2098	43	8	highlights	highlight	VERB
ajfti-2098	43	9	that	that	DET
ajfti-2098	43	10	takaful	takaful	ADJ
ajfti-2098	43	11	insurance	insurance	NOUN
ajfti-2098	43	12	,	,	PUNCT
ajfti-2098	43	13	built	build	VERB
ajfti-2098	43	14	upon	upon	SCONJ
ajfti-2098	43	15	islamic	islamic	ADJ
ajfti-2098	43	16	principles	principle	NOUN
ajfti-2098	43	17	that	that	PRON
ajfti-2098	43	18	strictly	strictly	ADV
ajfti-2098	43	19	prohibit	prohibit	VERB
ajfti-2098	43	20	riba	riba	PROPN
ajfti-2098	43	21	(	(	PUNCT
ajfti-2098	43	22	interest	interest	NOUN
ajfti-2098	43	23	)	)	PUNCT
ajfti-2098	43	24	,	,	PUNCT
ajfti-2098	43	25	gharar	gharar	NOUN
ajfti-2098	43	26	(	(	PUNCT
ajfti-2098	43	27	excessive	excessive	ADJ
ajfti-2098	43	28	uncertainty	uncertainty	NOUN
ajfti-2098	43	29	)	)	PUNCT
ajfti-2098	43	30	,	,	PUNCT
ajfti-2098	43	31	and	and	CCONJ
ajfti-2098	43	32	maisir	maisir	NOUN
ajfti-2098	43	33	(	(	PUNCT
ajfti-2098	43	34	gambling	gambling	NOUN
ajfti-2098	43	35	)	)	PUNCT
ajfti-2098	43	36	,	,	PUNCT
ajfti-2098	43	37	takaful	takaful	ADJ
ajfti-2098	43	38	insurance	insurance	NOUN
ajfti-2098	43	39	has	have	AUX
ajfti-2098	43	40	grappled	grapple	VERB
ajfti-2098	43	41	with	with	ADP
ajfti-2098	43	42	operational	operational	ADJ
ajfti-2098	43	43	and	and	CCONJ
ajfti-2098	43	44	profitability	profitability	NOUN
ajfti-2098	43	45	challenges	challenge	NOUN
ajfti-2098	43	46	.	.	PUNCT
ajfti-2098	44	1	however	however	ADV
ajfti-2098	44	2	,	,	PUNCT
ajfti-2098	44	3	resolving	resolve	VERB
ajfti-2098	44	4	the	the	DET
ajfti-2098	44	5	issues	issue	NOUN
ajfti-2098	44	6	concerned	concern	VERB
ajfti-2098	44	7	with	with	ADP
ajfti-2098	44	8	operations	operation	NOUN
ajfti-2098	44	9	and	and	CCONJ
ajfti-2098	44	10	profitability	profitability	NOUN
ajfti-2098	44	11	,	,	PUNCT
ajfti-2098	44	12	wang	wang	PROPN
ajfti-2098	44	13	et	et	PROPN
ajfti-2098	44	14	al	al	PROPN
ajfti-2098	44	15	.	.	PROPN
ajfti-2098	45	1	(	(	PUNCT
ajfti-2098	45	2	2021	2021	NUM
ajfti-2098	45	3	)	)	PUNCT
ajfti-2098	45	4	noted	note	VERB
ajfti-2098	45	5	that	that	SCONJ
ajfti-2098	45	6	fintech	fintech	NOUN
ajfti-2098	45	7	has	have	AUX
ajfti-2098	45	8	emerged	emerge	VERB
ajfti-2098	45	9	as	as	ADP
ajfti-2098	45	10	a	a	DET
ajfti-2098	45	11	transformative	transformative	ADJ
ajfti-2098	45	12	force	force	NOUN
ajfti-2098	45	13	,	,	PUNCT
ajfti-2098	45	14	significantly	significantly	ADV
ajfti-2098	45	15	enhancing	enhance	VERB
ajfti-2098	45	16	operational	operational	ADJ
ajfti-2098	45	17	efficiency	efficiency	NOUN
ajfti-2098	45	18	and	and	CCONJ
ajfti-2098	45	19	profitability	profitability	NOUN
ajfti-2098	45	20	.	.	PUNCT
ajfti-2098	46	1	the	the	DET
ajfti-2098	46	2	study	study	NOUN
ajfti-2098	46	3	has	have	AUX
ajfti-2098	46	4	explored	explore	VERB
ajfti-2098	46	5	that	that	SCONJ
ajfti-2098	46	6	digital	digital	ADJ
ajfti-2098	46	7	distribution	distribution	NOUN
ajfti-2098	46	8	channels	channel	NOUN
ajfti-2098	46	9	have	have	AUX
ajfti-2098	46	10	played	play	VERB
ajfti-2098	46	11	a	a	DET
ajfti-2098	46	12	pivotal	pivotal	ADJ
ajfti-2098	46	13	role	role	NOUN
ajfti-2098	46	14	in	in	ADP
ajfti-2098	46	15	redefining	redefine	VERB
ajfti-2098	46	16	takaful	takaful	ADJ
ajfti-2098	46	17	operations	operation	NOUN
ajfti-2098	46	18	(	(	PUNCT
ajfti-2098	46	19	bertillo	bertillo	PROPN
ajfti-2098	46	20	&	&	CCONJ
ajfti-2098	46	21	bertillo	bertillo	PROPN
ajfti-2098	46	22	,	,	PUNCT
ajfti-2098	46	23	2022	2022	NUM
ajfti-2098	46	24	;	;	PUNCT
ajfti-2098	46	25	wang	wang	PROPN
ajfti-2098	46	26	et	et	PROPN
ajfti-2098	46	27	al	al	PROPN
ajfti-2098	46	28	.	.	PROPN
ajfti-2098	46	29	,	,	PUNCT
ajfti-2098	46	30	2021	2021	NUM
ajfti-2098	46	31	)	)	PUNCT
ajfti-2098	46	32	.	.	PUNCT
ajfti-2098	47	1	elsarag	elsarag	VERB
ajfti-2098	47	2	(	(	PUNCT
ajfti-2098	47	3	2019	2019	NUM
ajfti-2098	47	4	)	)	PUNCT
ajfti-2098	47	5	highlights	highlight	NOUN
ajfti-2098	47	6	that	that	PRON
ajfti-2098	47	7	fintech	fintech	NOUN
ajfti-2098	47	8	platforms	platform	NOUN
ajfti-2098	47	9	have	have	AUX
ajfti-2098	47	10	facilitated	facilitate	VERB
ajfti-2098	47	11	takaful	takaful	ADJ
ajfti-2098	47	12	operators	operator	NOUN
ajfti-2098	47	13	’	'	PUNCT
ajfti-2098	47	14	reach	reach	VERB
ajfti-2098	47	15	to	to	ADP
ajfti-2098	47	16	a	a	DET
ajfti-2098	47	17	broader	broad	ADJ
ajfti-2098	47	18	audience	audience	NOUN
ajfti-2098	47	19	in	in	ADP
ajfti-2098	47	20	qatar	qatar	PROPN
ajfti-2098	47	21	.	.	PUNCT
ajfti-2098	48	1	notably	notably	ADV
ajfti-2098	48	2	,	,	PUNCT
ajfti-2098	48	3	digital	digital	ADJ
ajfti-2098	48	4	sales	sale	NOUN
ajfti-2098	48	5	and	and	CCONJ
ajfti-2098	48	6	service	service	NOUN
ajfti-2098	48	7	channels	channel	NOUN
ajfti-2098	48	8	have	have	AUX
ajfti-2098	48	9	grown	grow	VERB
ajfti-2098	48	10	exponentially	exponentially	ADV
ajfti-2098	48	11	,	,	PUNCT
ajfti-2098	48	12	bolstering	bolster	VERB
ajfti-2098	48	13	customer	customer	NOUN
ajfti-2098	48	14	engagement	engagement	NOUN
ajfti-2098	48	15	and	and	CCONJ
ajfti-2098	48	16	accessibility	accessibility	NOUN
ajfti-2098	48	17	.	.	PUNCT
ajfti-2098	49	1	according	accord	VERB
ajfti-2098	49	2	to	to	ADP
ajfti-2098	49	3	a	a	DET
ajfti-2098	49	4	recent	recent	ADJ
ajfti-2098	49	5	report	report	NOUN
ajfti-2098	49	6	by	by	ADP
ajfti-2098	49	7	deloitte	deloitte	PROPN
ajfti-2098	49	8	(	(	PUNCT
ajfti-2098	49	9	2021	2021	NUM
ajfti-2098	49	10	)	)	PUNCT
ajfti-2098	49	11	,	,	PUNCT
ajfti-2098	49	12	the	the	DET
ajfti-2098	49	13	adoption	adoption	NOUN
ajfti-2098	49	14	of	of	ADP
ajfti-2098	49	15	digital	digital	ADJ
ajfti-2098	49	16	platforms	platform	NOUN
ajfti-2098	49	17	for	for	ADP
ajfti-2098	49	18	policy	policy	NOUN
ajfti-2098	49	19	sales	sale	NOUN
ajfti-2098	49	20	and	and	CCONJ
ajfti-2098	49	21	services	service	NOUN
ajfti-2098	49	22	has	have	AUX
ajfti-2098	49	23	seen	see	VERB
ajfti-2098	49	24	a	a	DET
ajfti-2098	49	25	staggering	staggering	ADJ
ajfti-2098	49	26	40	40	NUM
ajfti-2098	49	27	%	%	NOUN
ajfti-2098	49	28	annual	annual	ADJ
ajfti-2098	49	29	growth	growth	NOUN
ajfti-2098	49	30	rate	rate	NOUN
ajfti-2098	49	31	(	(	PUNCT
ajfti-2098	49	32	(	(	PUNCT
ajfti-2098	49	33	deloitte	deloitte	PROPN
ajfti-2098	49	34	,	,	PUNCT
ajfti-2098	49	35	2021	2021	NUM
ajfti-2098	49	36	;	;	PUNCT
ajfti-2098	49	37	elasrag	elasrag	PROPN
ajfti-2098	49	38	,	,	PUNCT
ajfti-2098	49	39	2019	2019	NUM
ajfti-2098	49	40	)	)	PUNCT
ajfti-2098	49	41	.	.	PUNCT
ajfti-2098	50	1	furthermore	furthermore	ADV
ajfti-2098	50	2	,	,	PUNCT
ajfti-2098	50	3	in	in	ADP
ajfti-2098	50	4	the	the	DET
ajfti-2098	50	5	pursuit	pursuit	NOUN
ajfti-2098	50	6	of	of	ADP
ajfti-2098	50	7	transparency	transparency	NOUN
ajfti-2098	50	8	and	and	CCONJ
ajfti-2098	50	9	trust	trust	NOUN
ajfti-2098	50	10	,	,	PUNCT
ajfti-2098	50	11	the	the	DET
ajfti-2098	50	12	takaful	takaful	ADJ
ajfti-2098	50	13	industry	industry	NOUN
ajfti-2098	50	14	has	have	AUX
ajfti-2098	50	15	harnessed	harness	VERB
ajfti-2098	50	16	blockchain	blockchain	PROPN
ajfti-2098	50	17	technology	technology	PROPN
ajfti-2098	50	18	(	(	PUNCT
ajfti-2098	50	19	mohamed	mohame	VERB
ajfti-2098	50	20	,	,	PUNCT
ajfti-2098	50	21	2021	2021	NUM
ajfti-2098	50	22	)	)	PUNCT
ajfti-2098	50	23	.	.	PUNCT
ajfti-2098	51	1	botosh	botosh	PROPN
ajfti-2098	51	2	(	(	PUNCT
ajfti-2098	51	3	2020	2020	NUM
ajfti-2098	51	4	)	)	PUNCT
ajfti-2098	51	5	highlights	highlight	NOUN
ajfti-2098	51	6	the	the	DET
ajfti-2098	51	7	secure	secure	ADJ
ajfti-2098	51	8	and	and	CCONJ
ajfti-2098	51	9	tamper	tamper	ADJ
ajfti-2098	51	10	-	-	ADJ
ajfti-2098	51	11	proof	proof	ADJ
ajfti-2098	51	12	record	record	NOUN
ajfti-2098	51	13	-	-	PUNCT
ajfti-2098	51	14	keeping	keep	VERB
ajfti-2098	51	15	features	feature	NOUN
ajfti-2098	51	16	of	of	ADP
ajfti-2098	51	17	blockchain	blockchain	PROPN
ajfti-2098	51	18	that	that	PRON
ajfti-2098	51	19	have	have	AUX
ajfti-2098	51	20	dramatically	dramatically	ADV
ajfti-2098	51	21	reduced	reduce	VERB
ajfti-2098	51	22	fraud	fraud	NOUN
ajfti-2098	51	23	and	and	CCONJ
ajfti-2098	51	24	disputes	dispute	NOUN
ajfti-2098	51	25	,	,	PUNCT
ajfti-2098	51	26	aligning	align	VERB
ajfti-2098	51	27	with	with	ADP
ajfti-2098	51	28	islamic	islamic	ADJ
ajfti-2098	51	29	ethical	ethical	ADJ
ajfti-2098	51	30	principles	principle	NOUN
ajfti-2098	51	31	.	.	PUNCT
ajfti-2098	52	1	in	in	ADP
ajfti-2098	52	2	fact	fact	NOUN
ajfti-2098	52	3	,	,	PUNCT
ajfti-2098	52	4	a	a	DET
ajfti-2098	52	5	study	study	NOUN
ajfti-2098	52	6	by	by	ADP
ajfti-2098	52	7	mohamed	mohamed	PROPN
ajfti-2098	52	8	&	&	CCONJ
ajfti-2098	52	9	ali	ali	PROPN
ajfti-2098	52	10	(	(	PUNCT
ajfti-2098	52	11	2020	2020	NUM
ajfti-2098	52	12	)	)	PUNCT
ajfti-2098	52	13	highlighted	highlight	VERB
ajfti-2098	52	14	that	that	SCONJ
ajfti-2098	52	15	82	82	NUM
ajfti-2098	52	16	%	%	NOUN
ajfti-2098	52	17	of	of	ADP
ajfti-2098	52	18	takaful	takaful	ADJ
ajfti-2098	52	19	executives	executive	NOUN
ajfti-2098	52	20	believed	believe	VERB
ajfti-2098	52	21	that	that	SCONJ
ajfti-2098	52	22	blockchain	blockchain	PROPN
ajfti-2098	52	23	had	have	AUX
ajfti-2098	52	24	significantly	significantly	ADV
ajfti-2098	52	25	improved	improve	VERB
ajfti-2098	52	26	their	their	PRON
ajfti-2098	52	27	operational	operational	ADJ
ajfti-2098	52	28	efficiency	efficiency	NOUN
ajfti-2098	52	29	and	and	CCONJ
ajfti-2098	52	30	transparency	transparency	NOUN
ajfti-2098	52	31	.	.	PUNCT
ajfti-2098	53	1	the	the	DET
ajfti-2098	53	2	study	study	NOUN
ajfti-2098	53	3	has	have	AUX
ajfti-2098	53	4	also	also	ADV
ajfti-2098	53	5	illustrated	illustrate	VERB
ajfti-2098	53	6	that	that	SCONJ
ajfti-2098	53	7	fintech	fintech	NOUN
ajfti-2098	53	8	innovations	innovation	NOUN
ajfti-2098	53	9	have	have	AUX
ajfti-2098	53	10	led	lead	VERB
ajfti-2098	53	11	to	to	ADP
ajfti-2098	53	12	considerable	considerable	ADJ
ajfti-2098	53	13	cost	cost	NOUN
ajfti-2098	53	14	reductions	reduction	NOUN
ajfti-2098	53	15	for	for	ADP
ajfti-2098	53	16	takaful	takaful	ADJ
ajfti-2098	53	17	operators	operator	NOUN
ajfti-2098	53	18	(	(	PUNCT
ajfti-2098	53	19	botosh	botosh	ADV
ajfti-2098	53	20	,	,	PUNCT
ajfti-2098	53	21	2020	2020	NUM
ajfti-2098	53	22	;	;	PUNCT
ajfti-2098	53	23	mohamed	mohame	VERB
ajfti-2098	53	24	,	,	PUNCT
ajfti-2098	53	25	2021	2021	NUM
ajfti-2098	53	26	)	)	PUNCT
ajfti-2098	53	27	.	.	PUNCT
ajfti-2098	54	1	the	the	DET
ajfti-2098	54	2	automation	automation	NOUN
ajfti-2098	54	3	of	of	ADP
ajfti-2098	54	4	underwriting	underwriting	NOUN
ajfti-2098	54	5	,	,	PUNCT
ajfti-2098	54	6	claims	claim	NOUN
ajfti-2098	54	7	processing	processing	NOUN
ajfti-2098	54	8	,	,	PUNCT
ajfti-2098	54	9	and	and	CCONJ
ajfti-2098	54	10	risk	risk	NOUN
ajfti-2098	54	11	assessment	assessment	NOUN
ajfti-2098	54	12	has	have	AUX
ajfti-2098	54	13	driven	drive	VERB
ajfti-2098	54	14	cost	cost	NOUN
ajfti-2098	54	15	savings	saving	NOUN
ajfti-2098	54	16	,	,	PUNCT
ajfti-2098	54	17	subsequently	subsequently	ADV
ajfti-2098	54	18	enhancing	enhance	VERB
ajfti-2098	54	19	profitability	profitability	NOUN
ajfti-2098	54	20	.	.	PUNCT
ajfti-2098	55	1	ernst	ernst	PROPN
ajfti-2098	55	2	&	&	CCONJ
ajfti-2098	55	3	young	young	PROPN
ajfti-2098	55	4	’s	’s	PART
ajfti-2098	55	5	takaful	takaful	ADJ
ajfti-2098	55	6	industry	industry	NOUN
ajfti-2098	55	7	report	report	NOUN
ajfti-2098	55	8	(	(	PUNCT
ajfti-2098	55	9	2021	2021	NUM
ajfti-2098	55	10	)	)	PUNCT
ajfti-2098	55	11	revealed	reveal	VERB
ajfti-2098	55	12	that	that	SCONJ
ajfti-2098	55	13	takaful	takaful	ADJ
ajfti-2098	55	14	operators	operator	NOUN
ajfti-2098	55	15	witnessed	witness	VERB
ajfti-2098	55	16	a	a	DET
ajfti-2098	55	17	15	15	NUM
ajfti-2098	55	18	%	%	NOUN
ajfti-2098	55	19	reduction	reduction	NOUN
ajfti-2098	55	20	in	in	ADP
ajfti-2098	55	21	operational	operational	ADJ
ajfti-2098	55	22	costs	cost	NOUN
ajfti-2098	55	23	after	after	ADP
ajfti-2098	55	24	adopting	adopt	VERB
ajfti-2098	55	25	fintech	fintech	NOUN
ajfti-2098	55	26	solutions	solution	NOUN
ajfti-2098	55	27	(	(	PUNCT
ajfti-2098	55	28	young	young	ADJ
ajfti-2098	55	29	.	.	PUNCT
ajfti-2098	55	30	,	,	PUNCT
ajfti-2098	55	31	2022	2022	NUM
ajfti-2098	55	32	)	)	PUNCT
ajfti-2098	55	33	.	.	PUNCT
ajfti-2098	56	1	data	datum	NOUN
ajfti-2098	56	2	analytics	analytic	NOUN
ajfti-2098	56	3	has	have	AUX
ajfti-2098	56	4	emerged	emerge	VERB
ajfti-2098	56	5	as	as	ADP
ajfti-2098	56	6	a	a	DET
ajfti-2098	56	7	potent	potent	ADJ
ajfti-2098	56	8	tool	tool	NOUN
ajfti-2098	56	9	for	for	ADP
ajfti-2098	56	10	profitability	profitability	NOUN
ajfti-2098	56	11	enhancement	enhancement	NOUN
ajfti-2098	56	12	,	,	PUNCT
ajfti-2098	56	13	through	through	ADP
ajfti-2098	56	14	which	which	PRON
ajfti-2098	56	15	fintech	fintech	NOUN
ajfti-2098	56	16	takaful	takaful	ADJ
ajfti-2098	56	17	operators	operator	NOUN
ajfti-2098	56	18	in	in	ADP
ajfti-2098	56	19	qatar	qatar	PROPN
ajfti-2098	56	20	have	have	AUX
ajfti-2098	56	21	been	be	AUX
ajfti-2098	56	22	able	able	ADJ
ajfti-2098	56	23	to	to	PART
ajfti-2098	56	24	make	make	VERB
ajfti-2098	56	25	more	more	ADV
ajfti-2098	56	26	precise	precise	ADJ
ajfti-2098	56	27	risk	risk	NOUN
ajfti-2098	56	28	assessments	assessment	NOUN
ajfti-2098	56	29	and	and	CCONJ
ajfti-2098	56	30	pricing	pricing	NOUN
ajfti-2098	56	31	decisions	decision	NOUN
ajfti-2098	56	32	,	,	PUNCT
ajfti-2098	56	33	leading	lead	VERB
ajfti-2098	56	34	to	to	ADP
ajfti-2098	56	35	superior	superior	ADJ
ajfti-2098	56	36	underwriting	underwriting	NOUN
ajfti-2098	56	37	outcomes	outcome	NOUN
ajfti-2098	56	38	and	and	CCONJ
ajfti-2098	56	39	reduced	reduce	VERB
ajfti-2098	56	40	losses	loss	NOUN
ajfti-2098	56	41	(	(	PUNCT
ajfti-2098	56	42	alshater	alshater	NOUN
ajfti-2098	56	43	et	et	PROPN
ajfti-2098	56	44	al	al	PROPN
ajfti-2098	56	45	.	.	PROPN
ajfti-2098	56	46	,	,	PUNCT
ajfti-2098	56	47	2022	2022	NUM
ajfti-2098	56	48	)	)	PUNCT
ajfti-2098	56	49	.	.	PUNCT
ajfti-2098	57	1	kpmg	kpmg	PROPN
ajfti-2098	57	2	’s	’s	PART
ajfti-2098	57	3	analysis	analysis	NOUN
ajfti-2098	57	4	(	(	PUNCT
ajfti-2098	57	5	2020	2020	NUM
ajfti-2098	57	6	)	)	PUNCT
ajfti-2098	57	7	indicated	indicate	VERB
ajfti-2098	57	8	that	that	SCONJ
ajfti-2098	57	9	the	the	DET
ajfti-2098	57	10	integration	integration	NOUN
ajfti-2098	57	11	of	of	ADP
ajfti-2098	57	12	data	datum	NOUN
ajfti-2098	57	13	analytics	analytic	NOUN
ajfti-2098	57	14	increased	increase	VERB
ajfti-2098	57	15	takaful	takaful	ADJ
ajfti-2098	57	16	profitability	profitability	NOUN
ajfti-2098	57	17	by	by	ADP
ajfti-2098	57	18	up	up	ADP
ajfti-2098	57	19	to	to	PART
ajfti-2098	57	20	18	18	NUM
ajfti-2098	57	21	%	%	NOUN
ajfti-2098	57	22	in	in	ADP
ajfti-2098	57	23	some	some	DET
ajfti-2098	57	24	cases	case	NOUN
ajfti-2098	57	25	.	.	PUNCT
ajfti-2098	58	1	additionally	additionally	ADV
ajfti-2098	58	2	,	,	PUNCT
ajfti-2098	58	3	fintech	fintech	NOUN
ajfti-2098	58	4	has	have	AUX
ajfti-2098	58	5	paved	pave	VERB
ajfti-2098	58	6	the	the	DET
ajfti-2098	58	7	way	way	NOUN
ajfti-2098	58	8	for	for	ADP
ajfti-2098	58	9	the	the	DET
ajfti-2098	58	10	development	development	NOUN
ajfti-2098	58	11	of	of	ADP
ajfti-2098	58	12	microtakaful	microtakaful	ADJ
ajfti-2098	58	13	products	product	NOUN
ajfti-2098	58	14	,	,	PUNCT
ajfti-2098	58	15	broadening	broaden	VERB
ajfti-2098	58	16	the	the	DET
ajfti-2098	58	17	customer	customer	NOUN
ajfti-2098	58	18	base	base	NOUN
ajfti-2098	58	19	and	and	CCONJ
ajfti-2098	58	20	promoting	promote	VERB
ajfti-2098	58	21	financial	financial	ADJ
ajfti-2098	58	22	inclusion	inclusion	NOUN
ajfti-2098	58	23	in	in	ADP
ajfti-2098	58	24	qatar	qatar	PROPN
ajfti-2098	58	25	.	.	PUNCT
ajfti-2098	59	1	notably	notably	ADV
ajfti-2098	59	2	,	,	PUNCT
ajfti-2098	59	3	these	these	DET
ajfti-2098	59	4	products	product	NOUN
ajfti-2098	59	5	have	have	AUX
ajfti-2098	59	6	rendered	render	VERB
ajfti-2098	59	7	takaful	takaful	ADJ
ajfti-2098	59	8	services	service	NOUN
ajfti-2098	59	9	accessible	accessible	ADJ
ajfti-2098	59	10	to	to	PART
ajfti-2098	59	11	lowincome	lowincome	VERB
ajfti-2098	59	12	populations	population	NOUN
ajfti-2098	59	13	.	.	PUNCT
ajfti-2098	60	1	the	the	DET
ajfti-2098	60	2	islamic	islamic	PROPN
ajfti-2098	60	3	development	development	PROPN
ajfti-2098	60	4	bank	bank	PROPN
ajfti-2098	60	5	’s	’s	PART
ajfti-2098	60	6	islamic	islamic	ADJ
ajfti-2098	60	7	finance	finance	NOUN
ajfti-2098	60	8	for	for	ADP
ajfti-2098	60	9	sustainable	sustainable	ADJ
ajfti-2098	60	10	development	development	NOUN
ajfti-2098	60	11	report	report	NOUN
ajfti-2098	60	12	(	(	PUNCT
ajfti-2098	60	13	2020	2020	NUM
ajfti-2098	60	14	)	)	PUNCT
ajfti-2098	60	15	highlighted	highlight	VERB
ajfti-2098	60	16	a	a	DET
ajfti-2098	60	17	25	25	NUM
ajfti-2098	60	18	%	%	NOUN
ajfti-2098	60	19	increase	increase	NOUN
ajfti-2098	60	20	in	in	ADP
ajfti-2098	60	21	takaful	takaful	ADJ
ajfti-2098	60	22	premium	premium	NOUN
ajfti-2098	60	23	revenue	revenue	NOUN
ajfti-2098	60	24	attributed	attribute	VERB
ajfti-2098	60	25	to	to	ADP
ajfti-2098	60	26	the	the	DET
ajfti-2098	60	27	introduction	introduction	NOUN
ajfti-2098	60	28	of	of	ADP
ajfti-2098	60	29	micro	micro	ADJ
ajfti-2098	60	30	-	-	ADJ
ajfti-2098	60	31	takaful	takaful	ADJ
ajfti-2098	60	32	products	product	NOUN
ajfti-2098	60	33	.	.	PUNCT
ajfti-2098	61	1	in	in	ADP
ajfti-2098	61	2	essence	essence	NOUN
ajfti-2098	61	3	,	,	PUNCT
ajfti-2098	61	4	fintech	fintech	NOUN
ajfti-2098	61	5	has	have	AUX
ajfti-2098	61	6	ushered	usher	VERB
ajfti-2098	61	7	in	in	ADP
ajfti-2098	61	8	a	a	DET
ajfti-2098	61	9	profound	profound	ADJ
ajfti-2098	61	10	transformation	transformation	NOUN
ajfti-2098	61	11	within	within	ADP
ajfti-2098	61	12	qatar	qatar	PROPN
ajfti-2098	61	13	’s	’s	PART
ajfti-2098	61	14	takaful	takaful	ADJ
ajfti-2098	61	15	insurance	insurance	NOUN
ajfti-2098	61	16	sector	sector	NOUN
ajfti-2098	61	17	(	(	PUNCT
ajfti-2098	61	18	bank	bank	NOUN
ajfti-2098	61	19	,	,	PUNCT
ajfti-2098	61	20	2020	2020	NUM
ajfti-2098	61	21	;	;	PUNCT
ajfti-2098	61	22	kpmg	kpmg	PROPN
ajfti-2098	61	23	.	.	PROPN
ajfti-2098	61	24	,	,	PUNCT
ajfti-2098	61	25	2020	2020	NUM
ajfti-2098	61	26	.	.	PUNCT
ajfti-2098	61	27	)	)	PUNCT
ajfti-2098	61	28	.	.	PUNCT
ajfti-2098	62	1	by	by	ADP
ajfti-2098	62	2	harnessing	harness	VERB
ajfti-2098	62	3	digital	digital	ADJ
ajfti-2098	62	4	distribution	distribution	NOUN
ajfti-2098	62	5	channels	channel	NOUN
ajfti-2098	62	6	,	,	PUNCT
ajfti-2098	62	7	blockchain	blockchain	PROPN
ajfti-2098	62	8	technology	technology	PROPN
ajfti-2098	62	9	,	,	PUNCT
ajfti-2098	62	10	costeffective	costeffective	ADJ
ajfti-2098	62	11	processes	process	NOUN
ajfti-2098	62	12	,	,	PUNCT
ajfti-2098	62	13	and	and	CCONJ
ajfti-2098	62	14	data	datum	NOUN
ajfti-2098	62	15	analytics	analytic	NOUN
ajfti-2098	62	16	,	,	PUNCT
ajfti-2098	62	17	the	the	DET
ajfti-2098	62	18	industry	industry	NOUN
ajfti-2098	62	19	has	have	AUX
ajfti-2098	62	20	experienced	experience	VERB
ajfti-2098	62	21	remarkable	remarkable	ADJ
ajfti-2098	62	22	improvements	improvement	NOUN
ajfti-2098	62	23	in	in	ADP
ajfti-2098	62	24	operational	operational	ADJ
ajfti-2098	62	25	efficiency	efficiency	NOUN
ajfti-2098	62	26	and	and	CCONJ
ajfti-2098	62	27	profitability	profitability	NOUN
ajfti-2098	62	28	(	(	PUNCT
ajfti-2098	62	29	perdana	perdana	PROPN
ajfti-2098	62	30	&	&	CCONJ
ajfti-2098	62	31	wang	wang	PROPN
ajfti-2098	62	32	,	,	PUNCT
ajfti-2098	62	33	2023	2023	NUM
ajfti-2098	62	34	)	)	PUNCT
ajfti-2098	62	35	.	.	PUNCT
ajfti-2098	63	1	while	while	SCONJ
ajfti-2098	63	2	existing	exist	VERB
ajfti-2098	63	3	studies	study	NOUN
ajfti-2098	63	4	often	often	ADV
ajfti-2098	63	5	explore	explore	VERB
ajfti-2098	63	6	the	the	DET
ajfti-2098	63	7	impact	impact	NOUN
ajfti-2098	63	8	of	of	ADP
ajfti-2098	63	9	fintech	fintech	NOUN
ajfti-2098	63	10	on	on	ADP
ajfti-2098	63	11	traditional	traditional	ADJ
ajfti-2098	63	12	insurance	insurance	NOUN
ajfti-2098	63	13	and	and	CCONJ
ajfti-2098	63	14	financial	financial	ADJ
ajfti-2098	63	15	services	service	NOUN
ajfti-2098	63	16	,	,	PUNCT
ajfti-2098	63	17	there	there	PRON
ajfti-2098	63	18	appears	appear	VERB
ajfti-2098	63	19	to	to	PART
ajfti-2098	63	20	be	be	AUX
ajfti-2098	63	21	a	a	DET
ajfti-2098	63	22	gap	gap	NOUN
ajfti-2098	63	23	in	in	ADP
ajfti-2098	63	24	research	research	NOUN
ajfti-2098	63	25	regarding	regard	VERB
ajfti-2098	63	26	how	how	SCONJ
ajfti-2098	63	27	fintech	fintech	NOUN
ajfti-2098	63	28	integration	integration	NOUN
ajfti-2098	63	29	specifically	specifically	ADV
ajfti-2098	63	30	affects	affect	VERB
ajfti-2098	63	31	the	the	DET
ajfti-2098	63	32	profitability	profitability	NOUN
ajfti-2098	63	33	of	of	ADP
ajfti-2098	63	34	takaful	takaful	ADJ
ajfti-2098	63	35	insurance	insurance	NOUN
ajfti-2098	63	36	and	and	CCONJ
ajfti-2098	63	37	its	its	PRON
ajfti-2098	63	38	unique	unique	ADJ
ajfti-2098	63	39	factors	factor	NOUN
ajfti-2098	63	40	.	.	PUNCT
ajfti-2098	64	1	this	this	DET
ajfti-2098	64	2	gap	gap	NOUN
ajfti-2098	64	3	highlights	highlight	VERB
ajfti-2098	64	4	the	the	DET
ajfti-2098	64	5	need	need	NOUN
ajfti-2098	64	6	to	to	PART
ajfti-2098	64	7	investigate	investigate	VERB
ajfti-2098	64	8	how	how	SCONJ
ajfti-2098	64	9	fintech	fintech	NOUN
ajfti-2098	64	10	adoption	adoption	NOUN
ajfti-2098	64	11	influences	influence	VERB
ajfti-2098	64	12	the	the	DET
ajfti-2098	64	13	financial	financial	ADJ
ajfti-2098	64	14	performance	performance	NOUN
ajfti-2098	64	15	and	and	CCONJ
ajfti-2098	64	16	key	key	ADJ
ajfti-2098	64	17	components	component	NOUN
ajfti-2098	64	18	of	of	ADP
ajfti-2098	64	19	takaful	takaful	ADJ
ajfti-2098	64	20	insurance	insurance	NOUN
ajfti-2098	64	21	from	from	ADP
ajfti-2098	64	22	the	the	DET
ajfti-2098	64	23	perspective	perspective	NOUN
ajfti-2098	64	24	of	of	ADP
ajfti-2098	64	25	industry	industry	NOUN
ajfti-2098	64	26	professionals	professional	NOUN
ajfti-2098	64	27	,	,	PUNCT
ajfti-2098	64	28	offering	offer	VERB
ajfti-2098	64	29	insights	insight	NOUN
ajfti-2098	64	30	into	into	ADP
ajfti-2098	64	31	its	its	PRON
ajfti-2098	64	32	challenges	challenge	NOUN
ajfti-2098	64	33	and	and	CCONJ
ajfti-2098	64	34	opportunities	opportunity	NOUN
ajfti-2098	64	35	in	in	ADP
ajfti-2098	64	36	the	the	DET
ajfti-2098	64	37	context	context	NOUN
ajfti-2098	64	38	of	of	ADP
ajfti-2098	64	39	islamic	islamic	ADJ
ajfti-2098	64	40	insurance	insurance	NOUN
ajfti-2098	64	41	.	.	PUNCT
ajfti-2098	65	1	theoretical	theoretical	ADJ
ajfti-2098	65	2	framework	framework	NOUN
ajfti-2098	65	3	the	the	DET
ajfti-2098	65	4	study	study	NOUN
ajfti-2098	65	5	is	be	AUX
ajfti-2098	65	6	based	base	VERB
ajfti-2098	65	7	on	on	ADP
ajfti-2098	65	8	a	a	DET
ajfti-2098	65	9	theoretical	theoretical	ADJ
ajfti-2098	65	10	framework	framework	NOUN
ajfti-2098	65	11	that	that	PRON
ajfti-2098	65	12	takes	take	VERB
ajfti-2098	65	13	into	into	ADP
ajfti-2098	65	14	account	account	NOUN
ajfti-2098	65	15	the	the	DET
ajfti-2098	65	16	use	use	NOUN
ajfti-2098	65	17	of	of	ADP
ajfti-2098	65	18	financial	financial	ADJ
ajfti-2098	65	19	technology	technology	NOUN
ajfti-2098	65	20	(	(	PUNCT
ajfti-2098	65	21	fintech	fintech	NOUN
ajfti-2098	65	22	)	)	PUNCT
ajfti-2098	65	23	,	,	PUNCT
ajfti-2098	65	24	adherence	adherence	NOUN
ajfti-2098	65	25	to	to	ADP
ajfti-2098	65	26	sharia	sharia	NOUN
ajfti-2098	65	27	-	-	PUNCT
ajfti-2098	65	28	compliant	compliant	ADJ
ajfti-2098	65	29	standards	standard	NOUN
ajfti-2098	65	30	,	,	PUNCT
ajfti-2098	65	31	competitive	competitive	ADJ
ajfti-2098	65	32	dynamics	dynamic	NOUN
ajfti-2098	65	33	,	,	PUNCT
ajfti-2098	65	34	and	and	CCONJ
ajfti-2098	65	35	client	client	NOUN
ajfti-2098	65	36	trust	trust	NOUN
ajfti-2098	65	37	as	as	ADP
ajfti-2098	65	38	major	major	ADJ
ajfti-2098	65	39	factors	factor	NOUN
ajfti-2098	65	40	determining	determine	VERB
ajfti-2098	65	41	the	the	DET
ajfti-2098	65	42	profitability	profitability	NOUN
ajfti-2098	65	43	of	of	ADP
ajfti-2098	65	44	the	the	DET
ajfti-2098	65	45	takaful	takaful	ADJ
ajfti-2098	65	46	insurance	insurance	NOUN
ajfti-2098	65	47	sector	sector	NOUN
ajfti-2098	65	48	.	.	PUNCT
ajfti-2098	66	1	the	the	DET
ajfti-2098	66	2	pa	pa	PROPN
ajfti-2098	66	3	ge	ge	PROPN
ajfti-2098	66	4	17	17	NUM
ajfti-2098	66	5	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2098	66	6	am	be	AUX
ajfti-2098	66	7	.	.	PUNCT
ajfti-2098	67	1	j.	j.	PROPN
ajfti-2098	67	2	financ	financ	PROPN
ajfti-2098	67	3	.	.	PUNCT
ajfti-2098	68	1	technol	technol	PROPN
ajfti-2098	68	2	.	.	PUNCT
ajfti-2098	68	3	innov	innov	PROPN
ajfti-2098	68	4	.	.	PUNCT
ajfti-2098	69	1	1(1	1(1	NUM
ajfti-2098	69	2	)	)	PUNCT
ajfti-2098	69	3	15	15	NUM
ajfti-2098	69	4	-	-	SYM
ajfti-2098	69	5	23	23	NUM
ajfti-2098	69	6	,	,	PUNCT
ajfti-2098	69	7	2023	2023	NUM
ajfti-2098	69	8	current	current	ADJ
ajfti-2098	69	9	exploration	exploration	NOUN
ajfti-2098	69	10	tests	test	VERB
ajfti-2098	69	11	the	the	DET
ajfti-2098	69	12	hypothesis	hypothesis	NOUN
ajfti-2098	69	13	that	that	PRON
ajfti-2098	69	14	more	more	ADJ
ajfti-2098	69	15	fintech	fintech	NOUN
ajfti-2098	69	16	integration	integration	NOUN
ajfti-2098	69	17	,	,	PUNCT
ajfti-2098	69	18	supported	support	VERB
ajfti-2098	69	19	by	by	ADP
ajfti-2098	69	20	strict	strict	ADJ
ajfti-2098	69	21	adherence	adherence	NOUN
ajfti-2098	69	22	to	to	ADP
ajfti-2098	69	23	sharia	sharia	PROPN
ajfti-2098	69	24	norms	norm	NOUN
ajfti-2098	69	25	,	,	PUNCT
ajfti-2098	69	26	lessens	lessen	VERB
ajfti-2098	69	27	competitive	competitive	ADJ
ajfti-2098	69	28	risks	risk	NOUN
ajfti-2098	69	29	from	from	ADP
ajfti-2098	69	30	traditional	traditional	ADJ
ajfti-2098	69	31	insurers	insurer	NOUN
ajfti-2098	69	32	by	by	ADP
ajfti-2098	69	33	drawing	draw	VERB
ajfti-2098	69	34	on	on	ADP
ajfti-2098	69	35	the	the	DET
ajfti-2098	69	36	technology	technology	NOUN
ajfti-2098	69	37	acceptance	acceptance	NOUN
ajfti-2098	69	38	model	model	NOUN
ajfti-2098	69	39	and	and	CCONJ
ajfti-2098	69	40	institutional	institutional	ADJ
ajfti-2098	69	41	theory	theory	NOUN
ajfti-2098	69	42	.	.	PUNCT
ajfti-2098	70	1	furthermore	furthermore	ADV
ajfti-2098	70	2	,	,	PUNCT
ajfti-2098	70	3	it	it	PRON
ajfti-2098	70	4	claims	claim	VERB
ajfti-2098	70	5	that	that	SCONJ
ajfti-2098	70	6	increasing	increase	VERB
ajfti-2098	70	7	client	client	NOUN
ajfti-2098	70	8	confidence	confidence	NOUN
ajfti-2098	70	9	in	in	ADP
ajfti-2098	70	10	sharia	sharia	NOUN
ajfti-2098	70	11	-	-	PUNCT
ajfti-2098	70	12	compliant	compliant	ADJ
ajfti-2098	70	13	financial	financial	ADJ
ajfti-2098	70	14	solutions	solution	NOUN
ajfti-2098	70	15	may	may	AUX
ajfti-2098	70	16	boost	boost	VERB
ajfti-2098	70	17	profitability	profitability	NOUN
ajfti-2098	70	18	.	.	PUNCT
ajfti-2098	71	1	this	this	DET
ajfti-2098	71	2	paradigm	paradigm	NOUN
ajfti-2098	71	3	directs	direct	VERB
ajfti-2098	71	4	research	research	NOUN
ajfti-2098	71	5	into	into	ADP
ajfti-2098	71	6	how	how	SCONJ
ajfti-2098	71	7	these	these	DET
ajfti-2098	71	8	factors	factor	NOUN
ajfti-2098	71	9	interact	interact	VERB
ajfti-2098	71	10	,	,	PUNCT
ajfti-2098	71	11	enabling	enable	VERB
ajfti-2098	71	12	a	a	DET
ajfti-2098	71	13	more	more	ADV
ajfti-2098	71	14	thorough	thorough	ADJ
ajfti-2098	71	15	understanding	understanding	NOUN
ajfti-2098	71	16	of	of	ADP
ajfti-2098	71	17	how	how	SCONJ
ajfti-2098	71	18	fintech	fintech	NOUN
ajfti-2098	71	19	affects	affect	VERB
ajfti-2098	71	20	takaful	takaful	ADJ
ajfti-2098	71	21	insurance	insurance	NOUN
ajfti-2098	71	22	profitability	profitability	NOUN
ajfti-2098	71	23	in	in	ADP
ajfti-2098	71	24	qatar	qatar	NOUN
ajfti-2098	71	25	.	.	PUNCT
ajfti-2098	72	1	laying	lay	VERB
ajfti-2098	72	2	the	the	DET
ajfti-2098	72	3	groundwork	groundwork	NOUN
ajfti-2098	72	4	for	for	ADP
ajfti-2098	72	5	this	this	PRON
ajfti-2098	72	6	,	,	PUNCT
ajfti-2098	72	7	the	the	DET
ajfti-2098	72	8	study	study	NOUN
ajfti-2098	72	9	has	have	AUX
ajfti-2098	72	10	offered	offer	VERB
ajfti-2098	72	11	sufficient	sufficient	ADJ
ajfti-2098	72	12	proof	proof	NOUN
ajfti-2098	72	13	to	to	PART
ajfti-2098	72	14	support	support	VERB
ajfti-2098	72	15	the	the	DET
ajfti-2098	72	16	validity	validity	NOUN
ajfti-2098	72	17	of	of	ADP
ajfti-2098	72	18	the	the	DET
ajfti-2098	72	19	following	follow	VERB
ajfti-2098	72	20	assertion	assertion	NOUN
ajfti-2098	72	21	:	:	PUNCT
ajfti-2098	72	22	the	the	DET
ajfti-2098	72	23	profitability	profitability	NOUN
ajfti-2098	72	24	of	of	ADP
ajfti-2098	72	25	the	the	DET
ajfti-2098	72	26	takaful	takaful	ADJ
ajfti-2098	72	27	insurance	insurance	NOUN
ajfti-2098	72	28	sector	sector	NOUN
ajfti-2098	72	29	in	in	ADP
ajfti-2098	72	30	qatar	qatar	PROPN
ajfti-2098	72	31	is	be	AUX
ajfti-2098	72	32	considerably	considerably	ADV
ajfti-2098	72	33	impacted	impact	VERB
ajfti-2098	72	34	by	by	ADP
ajfti-2098	72	35	the	the	DET
ajfti-2098	72	36	incorporation	incorporation	NOUN
ajfti-2098	72	37	of	of	ADP
ajfti-2098	72	38	fintech	fintech	NOUN
ajfti-2098	72	39	solutions	solution	NOUN
ajfti-2098	72	40	,	,	PUNCT
ajfti-2098	72	41	it	it	PRON
ajfti-2098	72	42	is	be	AUX
ajfti-2098	72	43	hypothesized	hypothesize	VERB
ajfti-2098	72	44	.	.	PUNCT
ajfti-2098	73	1	methodology	methodology	NOUN
ajfti-2098	73	2	research	research	NOUN
ajfti-2098	73	3	design	design	VERB
ajfti-2098	73	4	the	the	DET
ajfti-2098	73	5	current	current	ADJ
ajfti-2098	73	6	study	study	NOUN
ajfti-2098	73	7	employs	employ	VERB
ajfti-2098	73	8	a	a	DET
ajfti-2098	73	9	quantitative	quantitative	ADJ
ajfti-2098	73	10	approach	approach	NOUN
ajfti-2098	73	11	to	to	PART
ajfti-2098	73	12	examine	examine	VERB
ajfti-2098	73	13	the	the	DET
ajfti-2098	73	14	influence	influence	NOUN
ajfti-2098	73	15	of	of	ADP
ajfti-2098	73	16	fintech	fintech	NOUN
ajfti-2098	73	17	on	on	ADP
ajfti-2098	73	18	the	the	DET
ajfti-2098	73	19	promotion	promotion	NOUN
ajfti-2098	73	20	of	of	ADP
ajfti-2098	73	21	the	the	DET
ajfti-2098	73	22	takaful	takaful	ADJ
ajfti-2098	73	23	insurance	insurance	NOUN
ajfti-2098	73	24	market	market	NOUN
ajfti-2098	73	25	in	in	ADP
ajfti-2098	73	26	qatar	qatar	PROPN
ajfti-2098	73	27	.	.	PUNCT
ajfti-2098	74	1	the	the	DET
ajfti-2098	74	2	results	result	NOUN
ajfti-2098	74	3	are	be	AUX
ajfti-2098	74	4	analyzed	analyze	VERB
ajfti-2098	74	5	using	use	VERB
ajfti-2098	74	6	a	a	DET
ajfti-2098	74	7	logical	logical	ADJ
ajfti-2098	74	8	method	method	NOUN
ajfti-2098	74	9	and	and	CCONJ
ajfti-2098	74	10	a	a	DET
ajfti-2098	74	11	positivist	positivist	ADJ
ajfti-2098	74	12	philosophical	philosophical	ADJ
ajfti-2098	74	13	perspective	perspective	NOUN
ajfti-2098	74	14	.	.	PUNCT
ajfti-2098	75	1	the	the	DET
ajfti-2098	75	2	quantitative	quantitative	ADJ
ajfti-2098	75	3	technique	technique	NOUN
ajfti-2098	75	4	was	be	AUX
ajfti-2098	75	5	chosen	choose	VERB
ajfti-2098	75	6	because	because	SCONJ
ajfti-2098	75	7	of	of	ADP
ajfti-2098	75	8	its	its	PRON
ajfti-2098	75	9	potential	potential	NOUN
ajfti-2098	75	10	to	to	PART
ajfti-2098	75	11	offer	offer	VERB
ajfti-2098	75	12	objective	objective	ADJ
ajfti-2098	75	13	conclusions	conclusion	NOUN
ajfti-2098	75	14	and	and	CCONJ
ajfti-2098	75	15	collect	collect	VERB
ajfti-2098	75	16	vast	vast	ADJ
ajfti-2098	75	17	amounts	amount	NOUN
ajfti-2098	75	18	of	of	ADP
ajfti-2098	75	19	data	datum	NOUN
ajfti-2098	75	20	from	from	ADP
ajfti-2098	75	21	a	a	DET
ajfti-2098	75	22	big	big	ADJ
ajfti-2098	75	23	population	population	NOUN
ajfti-2098	75	24	(	(	PUNCT
ajfti-2098	75	25	mohajan	mohajan	NOUN
ajfti-2098	75	26	,	,	PUNCT
ajfti-2098	75	27	2020	2020	NUM
ajfti-2098	75	28	)	)	PUNCT
ajfti-2098	75	29	.	.	PUNCT
ajfti-2098	76	1	the	the	DET
ajfti-2098	76	2	deductive	deductive	ADJ
ajfti-2098	76	3	technique	technique	NOUN
ajfti-2098	76	4	is	be	AUX
ajfti-2098	76	5	useful	useful	ADJ
ajfti-2098	76	6	for	for	ADP
ajfti-2098	76	7	testing	test	VERB
ajfti-2098	76	8	ideas	idea	NOUN
ajfti-2098	76	9	and	and	CCONJ
ajfti-2098	76	10	establishing	establish	VERB
ajfti-2098	76	11	precise	precise	ADJ
ajfti-2098	76	12	conclusions	conclusion	NOUN
ajfti-2098	76	13	(	(	PUNCT
ajfti-2098	76	14	casula	casula	NOUN
ajfti-2098	76	15	et	et	PROPN
ajfti-2098	76	16	al	al	PROPN
ajfti-2098	76	17	.	.	PROPN
ajfti-2098	76	18	,	,	PUNCT
ajfti-2098	76	19	2021	2021	NUM
ajfti-2098	76	20	)	)	PUNCT
ajfti-2098	76	21	.	.	PUNCT
ajfti-2098	77	1	data	datum	NOUN
ajfti-2098	77	2	collection	collection	NOUN
ajfti-2098	77	3	primary	primary	ADJ
ajfti-2098	77	4	sources	source	NOUN
ajfti-2098	77	5	were	be	AUX
ajfti-2098	77	6	used	use	VERB
ajfti-2098	77	7	to	to	PART
ajfti-2098	77	8	collect	collect	VERB
ajfti-2098	77	9	data	datum	NOUN
ajfti-2098	77	10	for	for	ADP
ajfti-2098	77	11	this	this	DET
ajfti-2098	77	12	study	study	NOUN
ajfti-2098	77	13	,	,	PUNCT
ajfti-2098	77	14	which	which	PRON
ajfti-2098	77	15	included	include	VERB
ajfti-2098	77	16	the	the	DET
ajfti-2098	77	17	distribution	distribution	NOUN
ajfti-2098	77	18	of	of	ADP
ajfti-2098	77	19	close	close	ADV
ajfti-2098	77	20	-	-	PUNCT
ajfti-2098	77	21	ended	end	VERB
ajfti-2098	77	22	survey	survey	NOUN
ajfti-2098	77	23	questionnaires	questionnaire	NOUN
ajfti-2098	77	24	to	to	ADP
ajfti-2098	77	25	the	the	DET
ajfti-2098	77	26	target	target	NOUN
ajfti-2098	77	27	group	group	NOUN
ajfti-2098	77	28	from	from	ADP
ajfti-2098	77	29	december	december	PROPN
ajfti-2098	77	30	2022	2022	NUM
ajfti-2098	77	31	to	to	ADP
ajfti-2098	77	32	march	march	PROPN
ajfti-2098	77	33	2023	2023	NUM
ajfti-2098	77	34	.	.	PUNCT
ajfti-2098	78	1	the	the	DET
ajfti-2098	78	2	questionnaire	questionnaire	NOUN
ajfti-2098	78	3	was	be	AUX
ajfti-2098	78	4	created	create	VERB
ajfti-2098	78	5	using	use	VERB
ajfti-2098	78	6	a	a	DET
ajfti-2098	78	7	5	5	NUM
ajfti-2098	78	8	-	-	PUNCT
ajfti-2098	78	9	point	point	NOUN
ajfti-2098	78	10	likert	likert	ADJ
ajfti-2098	78	11	scale	scale	NOUN
ajfti-2098	78	12	,	,	PUNCT
ajfti-2098	78	13	with	with	ADP
ajfti-2098	78	14	responses	response	NOUN
ajfti-2098	78	15	ranging	range	VERB
ajfti-2098	78	16	from	from	ADP
ajfti-2098	78	17	“	"	PUNCT
ajfti-2098	78	18	strongly	strongly	ADV
ajfti-2098	78	19	agree	agree	VERB
ajfti-2098	78	20	”	"	PUNCT
ajfti-2098	78	21	to	to	PART
ajfti-2098	78	22	“	"	PUNCT
ajfti-2098	78	23	strongly	strongly	ADV
ajfti-2098	78	24	disagree	disagree	VERB
ajfti-2098	78	25	.	.	PUNCT
ajfti-2098	78	26	”	"	PUNCT
ajfti-2098	79	1	the	the	DET
ajfti-2098	79	2	major	major	ADJ
ajfti-2098	79	3	goal	goal	NOUN
ajfti-2098	79	4	was	be	AUX
ajfti-2098	79	5	to	to	PART
ajfti-2098	79	6	examine	examine	VERB
ajfti-2098	79	7	the	the	DET
ajfti-2098	79	8	influence	influence	NOUN
ajfti-2098	79	9	of	of	ADP
ajfti-2098	79	10	fintech	fintech	NOUN
ajfti-2098	79	11	on	on	ADP
ajfti-2098	79	12	the	the	DET
ajfti-2098	79	13	promotion	promotion	NOUN
ajfti-2098	79	14	of	of	ADP
ajfti-2098	79	15	qatar	qatar	PROPN
ajfti-2098	79	16	’s	’s	PART
ajfti-2098	79	17	takaful	takaful	ADJ
ajfti-2098	79	18	insurance	insurance	NOUN
ajfti-2098	79	19	market	market	NOUN
ajfti-2098	79	20	.	.	PUNCT
ajfti-2098	80	1	the	the	DET
ajfti-2098	80	2	survey	survey	NOUN
ajfti-2098	80	3	approach	approach	NOUN
ajfti-2098	80	4	is	be	AUX
ajfti-2098	80	5	low	low	ADJ
ajfti-2098	80	6	-	-	PUNCT
ajfti-2098	80	7	cost	cost	NOUN
ajfti-2098	80	8	and	and	CCONJ
ajfti-2098	80	9	enables	enable	VERB
ajfti-2098	80	10	the	the	DET
ajfti-2098	80	11	collection	collection	NOUN
ajfti-2098	80	12	of	of	ADP
ajfti-2098	80	13	a	a	DET
ajfti-2098	80	14	diverse	diverse	ADJ
ajfti-2098	80	15	range	range	NOUN
ajfti-2098	80	16	of	of	ADP
ajfti-2098	80	17	opinions	opinion	NOUN
ajfti-2098	80	18	from	from	ADP
ajfti-2098	80	19	a	a	DET
ajfti-2098	80	20	large	large	ADJ
ajfti-2098	80	21	population	population	NOUN
ajfti-2098	80	22	,	,	PUNCT
ajfti-2098	80	23	which	which	PRON
ajfti-2098	80	24	reduces	reduce	VERB
ajfti-2098	80	25	bias	bias	NOUN
ajfti-2098	80	26	in	in	ADP
ajfti-2098	80	27	the	the	DET
ajfti-2098	80	28	results	result	NOUN
ajfti-2098	80	29	(	(	PUNCT
ajfti-2098	80	30	nayak	nayak	PROPN
ajfti-2098	80	31	&	&	CCONJ
ajfti-2098	80	32	narayan	narayan	PROPN
ajfti-2098	80	33	,	,	PUNCT
ajfti-2098	80	34	2019	2019	NUM
ajfti-2098	80	35	)	)	PUNCT
ajfti-2098	80	36	.	.	PUNCT
ajfti-2098	81	1	sampling	sample	VERB
ajfti-2098	81	2	purposive	purposive	ADJ
ajfti-2098	81	3	sampling	sampling	NOUN
ajfti-2098	81	4	,	,	PUNCT
ajfti-2098	81	5	a	a	DET
ajfti-2098	81	6	non	non	ADJ
ajfti-2098	81	7	-	-	ADJ
ajfti-2098	81	8	probability	probability	ADJ
ajfti-2098	81	9	sampling	sampling	NOUN
ajfti-2098	81	10	approach	approach	NOUN
ajfti-2098	81	11	,	,	PUNCT
ajfti-2098	81	12	was	be	AUX
ajfti-2098	81	13	used	use	VERB
ajfti-2098	81	14	to	to	PART
ajfti-2098	81	15	choose	choose	VERB
ajfti-2098	81	16	field	field	NOUN
ajfti-2098	81	17	specialists	specialist	NOUN
ajfti-2098	81	18	.	.	PUNCT
ajfti-2098	82	1	the	the	DET
ajfti-2098	82	2	sample	sample	NOUN
ajfti-2098	82	3	comprises	comprise	VERB
ajfti-2098	82	4	320	320	NUM
ajfti-2098	82	5	qatar	qatar	NOUN
ajfti-2098	82	6	’s	’s	PART
ajfti-2098	82	7	takaful	takaful	ADJ
ajfti-2098	82	8	insurance	insurance	NOUN
ajfti-2098	82	9	and	and	CCONJ
ajfti-2098	82	10	fintech	fintech	NOUN
ajfti-2098	82	11	technology	technology	NOUN
ajfti-2098	82	12	workers	worker	NOUN
ajfti-2098	82	13	.	.	PUNCT
ajfti-2098	83	1	purposive	purposive	ADJ
ajfti-2098	83	2	sampling	sampling	NOUN
ajfti-2098	83	3	guarantees	guarantee	NOUN
ajfti-2098	83	4	that	that	SCONJ
ajfti-2098	83	5	participants	participant	NOUN
ajfti-2098	83	6	have	have	VERB
ajfti-2098	83	7	the	the	DET
ajfti-2098	83	8	necessary	necessary	ADJ
ajfti-2098	83	9	knowledge	knowledge	NOUN
ajfti-2098	83	10	and	and	CCONJ
ajfti-2098	83	11	competence	competence	NOUN
ajfti-2098	83	12	about	about	ADP
ajfti-2098	83	13	the	the	DET
ajfti-2098	83	14	study	study	NOUN
ajfti-2098	83	15	topic	topic	NOUN
ajfti-2098	83	16	(	(	PUNCT
ajfti-2098	83	17	thomas	thomas	PROPN
ajfti-2098	83	18	,	,	PUNCT
ajfti-2098	83	19	2022	2022	NUM
ajfti-2098	83	20	)	)	PUNCT
ajfti-2098	83	21	.	.	PUNCT
ajfti-2098	84	1	spss	spss	PROPN
ajfti-2098	84	2	software	software	PROPN
ajfti-2098	84	3	,	,	PUNCT
ajfti-2098	84	4	which	which	PRON
ajfti-2098	84	5	is	be	AUX
ajfti-2098	84	6	wellsuited	wellsuite	VERB
ajfti-2098	84	7	for	for	ADP
ajfti-2098	84	8	statistical	statistical	ADJ
ajfti-2098	84	9	analysis	analysis	NOUN
ajfti-2098	84	10	,	,	PUNCT
ajfti-2098	84	11	was	be	AUX
ajfti-2098	84	12	used	use	VERB
ajfti-2098	84	13	to	to	PART
ajfti-2098	84	14	analyze	analyze	VERB
ajfti-2098	84	15	the	the	DET
ajfti-2098	84	16	data	datum	NOUN
ajfti-2098	84	17	.	.	PUNCT
ajfti-2098	85	1	the	the	DET
ajfti-2098	85	2	analysis	analysis	NOUN
ajfti-2098	85	3	included	include	VERB
ajfti-2098	85	4	descriptive	descriptive	ADJ
ajfti-2098	85	5	statistics	statistic	NOUN
ajfti-2098	85	6	,	,	PUNCT
ajfti-2098	85	7	correlation	correlation	NOUN
ajfti-2098	85	8	analysis	analysis	NOUN
ajfti-2098	85	9	,	,	PUNCT
ajfti-2098	85	10	and	and	CCONJ
ajfti-2098	85	11	regression	regression	VERB
ajfti-2098	85	12	analysis	analysis	NOUN
ajfti-2098	85	13	to	to	PART
ajfti-2098	85	14	study	study	VERB
ajfti-2098	85	15	the	the	DET
ajfti-2098	85	16	connections	connection	NOUN
ajfti-2098	85	17	between	between	ADP
ajfti-2098	85	18	variables	variable	NOUN
ajfti-2098	85	19	and	and	CCONJ
ajfti-2098	85	20	test	test	NOUN
ajfti-2098	85	21	hypotheses	hypothesis	NOUN
ajfti-2098	85	22	.	.	PUNCT
ajfti-2098	86	1	data	datum	NOUN
ajfti-2098	86	2	analysis	analysis	NOUN
ajfti-2098	86	3	to	to	PART
ajfti-2098	86	4	analyze	analyze	VERB
ajfti-2098	86	5	the	the	DET
ajfti-2098	86	6	influence	influence	NOUN
ajfti-2098	86	7	of	of	ADP
ajfti-2098	86	8	fintech	fintech	NOUN
ajfti-2098	86	9	on	on	ADP
ajfti-2098	86	10	the	the	DET
ajfti-2098	86	11	promotion	promotion	NOUN
ajfti-2098	86	12	of	of	ADP
ajfti-2098	86	13	the	the	DET
ajfti-2098	86	14	takaful	takaful	ADJ
ajfti-2098	86	15	insurance	insurance	NOUN
ajfti-2098	86	16	sector	sector	NOUN
ajfti-2098	86	17	in	in	ADP
ajfti-2098	86	18	qatar	qatar	PROPN
ajfti-2098	86	19	,	,	PUNCT
ajfti-2098	86	20	the	the	DET
ajfti-2098	86	21	current	current	ADJ
ajfti-2098	86	22	study	study	NOUN
ajfti-2098	86	23	used	use	VERB
ajfti-2098	86	24	a	a	DET
ajfti-2098	86	25	quantitative	quantitative	ADJ
ajfti-2098	86	26	methodology	methodology	NOUN
ajfti-2098	86	27	,	,	PUNCT
ajfti-2098	86	28	a	a	DET
ajfti-2098	86	29	deductive	deductive	ADJ
ajfti-2098	86	30	technique	technique	NOUN
ajfti-2098	86	31	,	,	PUNCT
ajfti-2098	86	32	and	and	CCONJ
ajfti-2098	86	33	a	a	DET
ajfti-2098	86	34	positivist	positivist	ADJ
ajfti-2098	86	35	philosophical	philosophical	ADJ
ajfti-2098	86	36	paradigm	paradigm	NOUN
ajfti-2098	86	37	.	.	PUNCT
ajfti-2098	87	1	data	datum	NOUN
ajfti-2098	87	2	were	be	AUX
ajfti-2098	87	3	acquired	acquire	VERB
ajfti-2098	87	4	by	by	ADP
ajfti-2098	87	5	survey	survey	NOUN
ajfti-2098	87	6	questionnaires	questionnaire	NOUN
ajfti-2098	87	7	from	from	ADP
ajfti-2098	87	8	320	320	NUM
ajfti-2098	87	9	takaful	takaful	ADJ
ajfti-2098	87	10	insurance	insurance	NOUN
ajfti-2098	87	11	and	and	CCONJ
ajfti-2098	87	12	fintech	fintech	NOUN
ajfti-2098	87	13	technology	technology	NOUN
ajfti-2098	87	14	specialists	specialist	NOUN
ajfti-2098	87	15	,	,	PUNCT
ajfti-2098	87	16	and	and	CCONJ
ajfti-2098	87	17	analysis	analysis	NOUN
ajfti-2098	87	18	was	be	AUX
ajfti-2098	87	19	done	do	VERB
ajfti-2098	87	20	using	use	VERB
ajfti-2098	87	21	spss	spss	PROPN
ajfti-2098	87	22	software	software	NOUN
ajfti-2098	87	23	.	.	PUNCT
ajfti-2098	88	1	ethical	ethical	ADJ
ajfti-2098	88	2	considerations	consideration	NOUN
ajfti-2098	88	3	such	such	ADJ
ajfti-2098	88	4	as	as	ADP
ajfti-2098	88	5	confidentiality	confidentiality	NOUN
ajfti-2098	88	6	and	and	CCONJ
ajfti-2098	88	7	informed	informed	ADJ
ajfti-2098	88	8	consent	consent	NOUN
ajfti-2098	88	9	were	be	AUX
ajfti-2098	88	10	strictly	strictly	ADV
ajfti-2098	88	11	followed	follow	VERB
ajfti-2098	88	12	during	during	ADP
ajfti-2098	88	13	the	the	DET
ajfti-2098	88	14	study	study	NOUN
ajfti-2098	88	15	procedure	procedure	NOUN
ajfti-2098	88	16	.	.	PUNCT
ajfti-2098	89	1	results	result	NOUN
ajfti-2098	89	2	and	and	CCONJ
ajfti-2098	89	3	discussions	discussion	NOUN
ajfti-2098	89	4	experience	experience	NOUN
ajfti-2098	89	5	and	and	CCONJ
ajfti-2098	89	6	age	age	NOUN
ajfti-2098	89	7	of	of	ADP
ajfti-2098	89	8	respondents	respondent	NOUN
ajfti-2098	89	9	figure	figure	VERB
ajfti-2098	89	10	1	1	NUM
ajfti-2098	89	11	.	.	PUNCT
ajfti-2098	89	12	illustrates	illustrate	VERB
ajfti-2098	89	13	the	the	DET
ajfti-2098	89	14	experience	experience	NOUN
ajfti-2098	89	15	and	and	CCONJ
ajfti-2098	89	16	role	role	NOUN
ajfti-2098	89	17	of	of	ADP
ajfti-2098	89	18	the	the	DET
ajfti-2098	89	19	respondents	respondent	NOUN
ajfti-2098	89	20	who	who	PRON
ajfti-2098	89	21	participated	participate	VERB
ajfti-2098	89	22	in	in	ADP
ajfti-2098	89	23	the	the	DET
ajfti-2098	89	24	study	study	NOUN
ajfti-2098	89	25	.	.	PUNCT
ajfti-2098	90	1	the	the	DET
ajfti-2098	90	2	survey	survey	NOUN
ajfti-2098	90	3	shows	show	VERB
ajfti-2098	90	4	that	that	SCONJ
ajfti-2098	90	5	the	the	DET
ajfti-2098	90	6	majority	majority	NOUN
ajfti-2098	90	7	(	(	PUNCT
ajfti-2098	90	8	58.4	58.4	NUM
ajfti-2098	90	9	%	%	NOUN
ajfti-2098	90	10	)	)	PUNCT
ajfti-2098	90	11	of	of	ADP
ajfti-2098	90	12	participants	participant	NOUN
ajfti-2098	90	13	are	be	AUX
ajfti-2098	90	14	associated	associate	VERB
ajfti-2098	90	15	with	with	ADP
ajfti-2098	90	16	the	the	DET
ajfti-2098	90	17	takaful	takaful	ADJ
ajfti-2098	90	18	insurance	insurance	NOUN
ajfti-2098	90	19	sector	sector	NOUN
ajfti-2098	90	20	,	,	PUNCT
ajfti-2098	90	21	while	while	SCONJ
ajfti-2098	90	22	41.6	41.6	NUM
ajfti-2098	90	23	%	%	NOUN
ajfti-2098	90	24	are	be	AUX
ajfti-2098	90	25	linked	link	VERB
ajfti-2098	90	26	to	to	ADP
ajfti-2098	90	27	fintech	fintech	NOUN
ajfti-2098	90	28	.	.	PUNCT
ajfti-2098	91	1	this	this	DET
ajfti-2098	91	2	distribution	distribution	NOUN
ajfti-2098	91	3	provides	provide	VERB
ajfti-2098	91	4	a	a	DET
ajfti-2098	91	5	clear	clear	ADJ
ajfti-2098	91	6	picture	picture	NOUN
ajfti-2098	91	7	of	of	ADP
ajfti-2098	91	8	the	the	DET
ajfti-2098	91	9	roles	role	NOUN
ajfti-2098	91	10	within	within	ADP
ajfti-2098	91	11	the	the	DET
ajfti-2098	91	12	surveyed	survey	VERB
ajfti-2098	91	13	population	population	NOUN
ajfti-2098	91	14	,	,	PUNCT
ajfti-2098	91	15	demonstrating	demonstrate	VERB
ajfti-2098	91	16	a	a	DET
ajfti-2098	91	17	significant	significant	ADJ
ajfti-2098	91	18	presence	presence	NOUN
ajfti-2098	91	19	from	from	ADP
ajfti-2098	91	20	takaful	takaful	ADJ
ajfti-2098	91	21	insurance	insurance	NOUN
ajfti-2098	91	22	and	and	CCONJ
ajfti-2098	91	23	fintech	fintech	NOUN
ajfti-2098	91	24	professionals	professional	NOUN
ajfti-2098	91	25	.	.	PUNCT
ajfti-2098	92	1	regarding	regard	VERB
ajfti-2098	92	2	experience	experience	NOUN
ajfti-2098	92	3	,	,	PUNCT
ajfti-2098	92	4	a	a	DET
ajfti-2098	92	5	substantial	substantial	ADJ
ajfti-2098	92	6	proportion	proportion	NOUN
ajfti-2098	92	7	of	of	ADP
ajfti-2098	92	8	respondents	respondent	NOUN
ajfti-2098	92	9	(	(	PUNCT
ajfti-2098	92	10	92.8	92.8	NUM
ajfti-2098	92	11	%	%	NOUN
ajfti-2098	92	12	)	)	PUNCT
ajfti-2098	92	13	possess	possess	VERB
ajfti-2098	92	14	a	a	DET
ajfti-2098	92	15	decade	decade	NOUN
ajfti-2098	92	16	or	or	CCONJ
ajfti-2098	92	17	less	less	ADJ
ajfti-2098	92	18	of	of	ADP
ajfti-2098	92	19	experience	experience	NOUN
ajfti-2098	92	20	,	,	PUNCT
ajfti-2098	92	21	with	with	ADP
ajfti-2098	92	22	38.8	38.8	NUM
ajfti-2098	92	23	%	%	NOUN
ajfti-2098	92	24	having	have	VERB
ajfti-2098	92	25	less	less	ADJ
ajfti-2098	92	26	than	than	ADP
ajfti-2098	92	27	a	a	PRON
ajfti-2098	92	28	year	year	NOUN
ajfti-2098	92	29	.	.	PUNCT
ajfti-2098	93	1	this	this	DET
ajfti-2098	93	2	data	datum	NOUN
ajfti-2098	93	3	indicates	indicate	VERB
ajfti-2098	93	4	that	that	SCONJ
ajfti-2098	93	5	the	the	DET
ajfti-2098	93	6	survey	survey	NOUN
ajfti-2098	93	7	encompasses	encompass	VERB
ajfti-2098	93	8	a	a	DET
ajfti-2098	93	9	diverse	diverse	ADJ
ajfti-2098	93	10	range	range	NOUN
ajfti-2098	93	11	of	of	ADP
ajfti-2098	93	12	experience	experience	NOUN
ajfti-2098	93	13	levels	level	NOUN
ajfti-2098	93	14	,	,	PUNCT
ajfti-2098	93	15	which	which	PRON
ajfti-2098	93	16	is	be	AUX
ajfti-2098	93	17	valuable	valuable	ADJ
ajfti-2098	93	18	for	for	ADP
ajfti-2098	93	19	understanding	understand	VERB
ajfti-2098	93	20	how	how	SCONJ
ajfti-2098	93	21	professionals	professional	NOUN
ajfti-2098	93	22	at	at	ADP
ajfti-2098	93	23	various	various	ADJ
ajfti-2098	93	24	stages	stage	NOUN
ajfti-2098	93	25	of	of	ADP
ajfti-2098	93	26	their	their	PRON
ajfti-2098	93	27	careers	career	NOUN
ajfti-2098	93	28	perceive	perceive	VERB
ajfti-2098	93	29	the	the	DET
ajfti-2098	93	30	impact	impact	NOUN
ajfti-2098	93	31	of	of	ADP
ajfti-2098	93	32	fintech	fintech	NOUN
ajfti-2098	93	33	on	on	ADP
ajfti-2098	93	34	takaful	takaful	ADJ
ajfti-2098	93	35	insurance	insurance	NOUN
ajfti-2098	93	36	.	.	PUNCT
ajfti-2098	94	1	figure	figure	NOUN
ajfti-2098	94	2	1	1	NUM
ajfti-2098	94	3	:	:	PUNCT
ajfti-2098	94	4	experience	experience	NOUN
ajfti-2098	94	5	and	and	CCONJ
ajfti-2098	94	6	role	role	NOUN
ajfti-2098	94	7	of	of	ADP
ajfti-2098	94	8	respondents	respondent	NOUN
ajfti-2098	94	9	pa	pa	PROPN
ajfti-2098	94	10	ge	ge	PROPN
ajfti-2098	94	11	18	18	NUM
ajfti-2098	94	12	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2098	94	13	am	be	AUX
ajfti-2098	94	14	.	.	PUNCT
ajfti-2098	95	1	j.	j.	PROPN
ajfti-2098	95	2	financ	financ	PROPN
ajfti-2098	95	3	.	.	PUNCT
ajfti-2098	96	1	technol	technol	PROPN
ajfti-2098	96	2	.	.	PUNCT
ajfti-2098	96	3	innov	innov	PROPN
ajfti-2098	96	4	.	.	PUNCT
ajfti-2098	97	1	1(1	1(1	NUM
ajfti-2098	97	2	)	)	PUNCT
ajfti-2098	97	3	15	15	NUM
ajfti-2098	97	4	-	-	SYM
ajfti-2098	97	5	23	23	NUM
ajfti-2098	97	6	,	,	PUNCT
ajfti-2098	97	7	2023	2023	NUM
ajfti-2098	97	8	integration	integration	NOUN
ajfti-2098	97	9	of	of	ADP
ajfti-2098	97	10	fintech	fintech	NOUN
ajfti-2098	97	11	in	in	ADP
ajfti-2098	97	12	the	the	DET
ajfti-2098	97	13	takaful	takaful	ADJ
ajfti-2098	97	14	insurance	insurance	NOUN
ajfti-2098	97	15	industry	industry	NOUN
ajfti-2098	97	16	of	of	ADP
ajfti-2098	97	17	qatar	qatar	PROPN
ajfti-2098	97	18	the	the	DET
ajfti-2098	97	19	frequency	frequency	NOUN
ajfti-2098	97	20	analysis	analysis	NOUN
ajfti-2098	97	21	of	of	ADP
ajfti-2098	97	22	the	the	DET
ajfti-2098	97	23	survey	survey	NOUN
ajfti-2098	97	24	responses	response	NOUN
ajfti-2098	97	25	on	on	ADP
ajfti-2098	97	26	the	the	DET
ajfti-2098	97	27	integration	integration	NOUN
ajfti-2098	97	28	of	of	ADP
ajfti-2098	97	29	fintech	fintech	NOUN
ajfti-2098	97	30	in	in	ADP
ajfti-2098	97	31	the	the	DET
ajfti-2098	97	32	takaful	takaful	ADJ
ajfti-2098	97	33	insurance	insurance	NOUN
ajfti-2098	97	34	industry	industry	NOUN
ajfti-2098	97	35	of	of	ADP
ajfti-2098	97	36	qatar	qatar	NOUN
ajfti-2098	97	37	,	,	PUNCT
ajfti-2098	97	38	presented	present	VERB
ajfti-2098	97	39	in	in	ADP
ajfti-2098	97	40	figure	figure	NOUN
ajfti-2098	97	41	2	2	NUM
ajfti-2098	97	42	,	,	PUNCT
ajfti-2098	97	43	shows	show	VERB
ajfti-2098	97	44	qatarn	qatarn	VERB
ajfti-2098	97	45	experts	expert	NOUN
ajfti-2098	97	46	’	’	PART
ajfti-2098	97	47	perspectives	perspective	NOUN
ajfti-2098	97	48	on	on	ADP
ajfti-2098	97	49	fintech	fintech	NOUN
ajfti-2098	97	50	integration	integration	NOUN
ajfti-2098	97	51	in	in	ADP
ajfti-2098	97	52	the	the	DET
ajfti-2098	97	53	takaful	takaful	ADJ
ajfti-2098	97	54	insurance	insurance	NOUN
ajfti-2098	97	55	business	business	NOUN
ajfti-2098	97	56	.	.	PUNCT
ajfti-2098	98	1	a	a	DET
ajfti-2098	98	2	sizable	sizable	ADJ
ajfti-2098	98	3	number	number	NOUN
ajfti-2098	98	4	(	(	PUNCT
ajfti-2098	98	5	85.9	85.9	NUM
ajfti-2098	98	6	%	%	NOUN
ajfti-2098	98	7	)	)	PUNCT
ajfti-2098	98	8	feel	feel	VERB
ajfti-2098	98	9	the	the	DET
ajfti-2098	98	10	regulatory	regulatory	ADJ
ajfti-2098	98	11	climate	climate	NOUN
ajfti-2098	98	12	is	be	AUX
ajfti-2098	98	13	favorable	favorable	ADJ
ajfti-2098	98	14	for	for	ADP
ajfti-2098	98	15	fintech	fintech	NOUN
ajfti-2098	98	16	integration	integration	NOUN
ajfti-2098	98	17	,	,	PUNCT
ajfti-2098	98	18	showing	show	VERB
ajfti-2098	98	19	significant	significant	ADJ
ajfti-2098	98	20	regulatory	regulatory	ADJ
ajfti-2098	98	21	support	support	NOUN
ajfti-2098	98	22	.	.	PUNCT
ajfti-2098	99	1	furthermore	furthermore	ADV
ajfti-2098	99	2	,	,	PUNCT
ajfti-2098	99	3	84.1	84.1	NUM
ajfti-2098	99	4	%	%	NOUN
ajfti-2098	99	5	see	see	VERB
ajfti-2098	99	6	financial	financial	ADJ
ajfti-2098	99	7	institutions	institution	NOUN
ajfti-2098	99	8	and	and	CCONJ
ajfti-2098	99	9	takaful	takaful	ADJ
ajfti-2098	99	10	insurance	insurance	NOUN
ajfti-2098	99	11	businesses	business	NOUN
ajfti-2098	99	12	as	as	ADP
ajfti-2098	99	13	being	be	AUX
ajfti-2098	99	14	proactive	proactive	ADJ
ajfti-2098	99	15	in	in	ADP
ajfti-2098	99	16	their	their	PRON
ajfti-2098	99	17	use	use	NOUN
ajfti-2098	99	18	of	of	ADP
ajfti-2098	99	19	fintech	fintech	NOUN
ajfti-2098	99	20	technologies	technology	NOUN
ajfti-2098	99	21	.	.	PUNCT
ajfti-2098	100	1	this	this	PRON
ajfti-2098	100	2	indicates	indicate	VERB
ajfti-2098	100	3	an	an	DET
ajfti-2098	100	4	openness	openness	NOUN
ajfti-2098	100	5	to	to	ADP
ajfti-2098	100	6	technological	technological	ADJ
ajfti-2098	100	7	improvements	improvement	NOUN
ajfti-2098	100	8	.	.	PUNCT
ajfti-2098	101	1	furthermore	furthermore	ADV
ajfti-2098	101	2	,	,	PUNCT
ajfti-2098	101	3	84.7	84.7	NUM
ajfti-2098	101	4	%	%	NOUN
ajfti-2098	101	5	recognize	recognize	VERB
ajfti-2098	101	6	a	a	DET
ajfti-2098	101	7	significant	significant	ADJ
ajfti-2098	101	8	relationship	relationship	NOUN
ajfti-2098	101	9	between	between	ADP
ajfti-2098	101	10	fintech	fintech	NOUN
ajfti-2098	101	11	companies	company	NOUN
ajfti-2098	101	12	and	and	CCONJ
ajfti-2098	101	13	the	the	DET
ajfti-2098	101	14	takaful	takaful	ADJ
ajfti-2098	101	15	business	business	NOUN
ajfti-2098	101	16	,	,	PUNCT
ajfti-2098	101	17	figure	figure	VERB
ajfti-2098	101	18	2	2	NUM
ajfti-2098	101	19	:	:	PUNCT
ajfti-2098	101	20	integration	integration	NOUN
ajfti-2098	101	21	of	of	ADP
ajfti-2098	101	22	fintech	fintech	NOUN
ajfti-2098	101	23	in	in	ADP
ajfti-2098	101	24	the	the	DET
ajfti-2098	101	25	takaful	takaful	ADJ
ajfti-2098	101	26	insurance	insurance	NOUN
ajfti-2098	101	27	industry	industry	NOUN
ajfti-2098	101	28	of	of	ADP
ajfti-2098	101	29	qatar	qatar	NOUN
ajfti-2098	101	30	showing	show	VERB
ajfti-2098	101	31	collaborative	collaborative	ADJ
ajfti-2098	101	32	efforts	effort	NOUN
ajfti-2098	101	33	for	for	ADP
ajfti-2098	101	34	innovation	innovation	NOUN
ajfti-2098	101	35	.	.	PUNCT
ajfti-2098	102	1	finally	finally	ADV
ajfti-2098	102	2	,	,	PUNCT
ajfti-2098	102	3	in	in	ADP
ajfti-2098	102	4	the	the	DET
ajfti-2098	102	5	frequency	frequency	NOUN
ajfti-2098	102	6	study	study	NOUN
ajfti-2098	102	7	,	,	PUNCT
ajfti-2098	102	8	44.1	44.1	NUM
ajfti-2098	102	9	%	%	NOUN
ajfti-2098	102	10	of	of	ADP
ajfti-2098	102	11	respondents	respondent	NOUN
ajfti-2098	102	12	in	in	ADP
ajfti-2098	102	13	qatar	qatar	PROPN
ajfti-2098	102	14	believe	believe	VERB
ajfti-2098	102	15	that	that	SCONJ
ajfti-2098	102	16	qualified	qualified	ADJ
ajfti-2098	102	17	fintech	fintech	NOUN
ajfti-2098	102	18	experts	expert	NOUN
ajfti-2098	102	19	help	help	VERB
ajfti-2098	102	20	integration	integration	NOUN
ajfti-2098	102	21	into	into	ADP
ajfti-2098	102	22	the	the	DET
ajfti-2098	102	23	takaful	takaful	ADJ
ajfti-2098	102	24	insurance	insurance	NOUN
ajfti-2098	102	25	market	market	NOUN
ajfti-2098	102	26	,	,	PUNCT
ajfti-2098	102	27	while	while	SCONJ
ajfti-2098	102	28	23.4	23.4	NUM
ajfti-2098	102	29	%	%	NOUN
ajfti-2098	102	30	are	be	AUX
ajfti-2098	102	31	indifferent	indifferent	ADJ
ajfti-2098	102	32	and	and	CCONJ
ajfti-2098	102	33	32.5	32.5	NUM
ajfti-2098	102	34	%	%	NOUN
ajfti-2098	102	35	disapprove	disapprove	NOUN
ajfti-2098	102	36	or	or	CCONJ
ajfti-2098	102	37	strongly	strongly	ADV
ajfti-2098	102	38	disagree	disagree	VERB
ajfti-2098	102	39	.	.	PUNCT
ajfti-2098	103	1	these	these	DET
ajfti-2098	103	2	data	datum	NOUN
ajfti-2098	103	3	provide	provide	VERB
ajfti-2098	103	4	a	a	DET
ajfti-2098	103	5	positive	positive	ADJ
ajfti-2098	103	6	opinion	opinion	NOUN
ajfti-2098	103	7	of	of	ADP
ajfti-2098	103	8	fintech	fintech	NOUN
ajfti-2098	103	9	integration	integration	NOUN
ajfti-2098	103	10	in	in	ADP
ajfti-2098	103	11	the	the	DET
ajfti-2098	103	12	qatar	qatar	NOUN
ajfti-2098	103	13	’s	’s	PART
ajfti-2098	103	14	takaful	takaful	ADJ
ajfti-2098	103	15	insurance	insurance	NOUN
ajfti-2098	103	16	business	business	NOUN
ajfti-2098	103	17	.	.	PUNCT
ajfti-2098	104	1	challenges	challenge	NOUN
ajfti-2098	104	2	for	for	ADP
ajfti-2098	104	3	integrating	integrate	VERB
ajfti-2098	104	4	fintech	fintech	NOUN
ajfti-2098	104	5	in	in	ADP
ajfti-2098	104	6	qatar	qatar	PROPN
ajfti-2098	104	7	the	the	DET
ajfti-2098	104	8	frequency	frequency	NOUN
ajfti-2098	104	9	analysis	analysis	NOUN
ajfti-2098	104	10	in	in	ADP
ajfti-2098	104	11	figure	figure	NOUN
ajfti-2098	104	12	3	3	NUM
ajfti-2098	104	13	reveals	reveal	VERB
ajfti-2098	104	14	substantial	substantial	ADJ
ajfti-2098	104	15	hurdles	hurdle	NOUN
ajfti-2098	104	16	associated	associate	VERB
ajfti-2098	104	17	with	with	ADP
ajfti-2098	104	18	the	the	DET
ajfti-2098	104	19	integration	integration	NOUN
ajfti-2098	104	20	of	of	ADP
ajfti-2098	104	21	fintech	fintech	PROPN
ajfti-2098	104	22	inside	inside	ADP
ajfti-2098	104	23	qatar	qatar	PROPN
ajfti-2098	104	24	’s	’s	PART
ajfti-2098	104	25	takaful	takaful	ADJ
ajfti-2098	104	26	insurance	insurance	NOUN
ajfti-2098	104	27	business	business	NOUN
ajfti-2098	104	28	.	.	PUNCT
ajfti-2098	105	1	to	to	PART
ajfti-2098	105	2	begin	begin	VERB
ajfti-2098	105	3	,	,	PUNCT
ajfti-2098	105	4	82.5	82.5	NUM
ajfti-2098	105	5	%	%	NOUN
ajfti-2098	105	6	of	of	ADP
ajfti-2098	105	7	respondents	respondent	NOUN
ajfti-2098	105	8	think	think	VERB
ajfti-2098	105	9	that	that	SCONJ
ajfti-2098	105	10	regulatory	regulatory	ADJ
ajfti-2098	105	11	obstacles	obstacle	NOUN
ajfti-2098	105	12	and	and	CCONJ
ajfti-2098	105	13	compliance	compliance	NOUN
ajfti-2098	105	14	requirements	requirement	NOUN
ajfti-2098	105	15	offer	offer	VERB
ajfti-2098	105	16	significant	significant	ADJ
ajfti-2098	105	17	problems	problem	NOUN
ajfti-2098	105	18	.	.	PUNCT
ajfti-2098	106	1	this	this	PRON
ajfti-2098	106	2	highlights	highlight	VERB
ajfti-2098	106	3	the	the	DET
ajfti-2098	106	4	importance	importance	NOUN
ajfti-2098	106	5	of	of	ADP
ajfti-2098	106	6	simplifying	simplify	VERB
ajfti-2098	106	7	rules	rule	NOUN
ajfti-2098	106	8	to	to	PART
ajfti-2098	106	9	allow	allow	VERB
ajfti-2098	106	10	pa	pa	PROPN
ajfti-2098	106	11	ge	ge	PROPN
ajfti-2098	106	12	19	19	NUM
ajfti-2098	106	13	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2098	106	14	am	be	AUX
ajfti-2098	106	15	.	.	PUNCT
ajfti-2098	107	1	j.	j.	PROPN
ajfti-2098	107	2	financ	financ	PROPN
ajfti-2098	107	3	.	.	PUNCT
ajfti-2098	108	1	technol	technol	PROPN
ajfti-2098	108	2	.	.	PUNCT
ajfti-2098	108	3	innov	innov	PROPN
ajfti-2098	108	4	.	.	PUNCT
ajfti-2098	109	1	1(1	1(1	NUM
ajfti-2098	109	2	)	)	PUNCT
ajfti-2098	109	3	15	15	NUM
ajfti-2098	109	4	-	-	SYM
ajfti-2098	109	5	23	23	NUM
ajfti-2098	109	6	,	,	PUNCT
ajfti-2098	109	7	2023	2023	NUM
ajfti-2098	109	8	smoother	smooth	ADJ
ajfti-2098	109	9	integration	integration	NOUN
ajfti-2098	109	10	.	.	PUNCT
ajfti-2098	110	1	second	second	ADJ
ajfti-2098	110	2	,	,	PUNCT
ajfti-2098	110	3	cybersecurity	cybersecurity	NOUN
ajfti-2098	110	4	and	and	CCONJ
ajfti-2098	110	5	data	datum	NOUN
ajfti-2098	110	6	privacy	privacy	NOUN
ajfti-2098	110	7	concerns	concern	NOUN
ajfti-2098	110	8	appear	appear	VERB
ajfti-2098	110	9	as	as	ADP
ajfti-2098	110	10	key	key	ADJ
ajfti-2098	110	11	impediments	impediment	NOUN
ajfti-2098	110	12	,	,	PUNCT
ajfti-2098	110	13	with	with	ADP
ajfti-2098	110	14	82.2	82.2	NUM
ajfti-2098	110	15	%	%	NOUN
ajfti-2098	110	16	recognizing	recognize	VERB
ajfti-2098	110	17	their	their	PRON
ajfti-2098	110	18	relevance	relevance	NOUN
ajfti-2098	110	19	.	.	PUNCT
ajfti-2098	111	1	addressing	address	VERB
ajfti-2098	111	2	these	these	DET
ajfti-2098	111	3	concerns	concern	NOUN
ajfti-2098	111	4	is	be	AUX
ajfti-2098	111	5	critical	critical	ADJ
ajfti-2098	111	6	to	to	ADP
ajfti-2098	111	7	gaining	gain	VERB
ajfti-2098	111	8	confidence	confidence	NOUN
ajfti-2098	111	9	in	in	ADP
ajfti-2098	111	10	fintech	fintech	NOUN
ajfti-2098	111	11	solutions	solution	NOUN
ajfti-2098	111	12	.	.	PUNCT
ajfti-2098	112	1	third	third	ADJ
ajfti-2098	112	2	,	,	PUNCT
ajfti-2098	112	3	as	as	SCONJ
ajfti-2098	112	4	82.8	82.8	NUM
ajfti-2098	112	5	%	%	NOUN
ajfti-2098	112	6	of	of	ADP
ajfti-2098	112	7	participants	participant	NOUN
ajfti-2098	112	8	agree	agree	VERB
ajfti-2098	112	9	,	,	PUNCT
ajfti-2098	112	10	opposition	opposition	NOUN
ajfti-2098	112	11	to	to	PART
ajfti-2098	112	12	change	change	VERB
ajfti-2098	112	13	within	within	ADP
ajfti-2098	112	14	established	establish	VERB
ajfti-2098	112	15	organizational	organizational	ADJ
ajfti-2098	112	16	structures	structure	NOUN
ajfti-2098	112	17	impedes	impede	VERB
ajfti-2098	112	18	successful	successful	ADJ
ajfti-2098	112	19	integration	integration	NOUN
ajfti-2098	112	20	.	.	PUNCT
ajfti-2098	113	1	successful	successful	ADJ
ajfti-2098	113	2	fintech	fintech	NOUN
ajfti-2098	113	3	adoption	adoption	NOUN
ajfti-2098	113	4	requires	require	VERB
ajfti-2098	113	5	overcoming	overcome	VERB
ajfti-2098	113	6	organizational	organizational	ADJ
ajfti-2098	113	7	inertia	inertia	NOUN
ajfti-2098	113	8	.	.	PUNCT
ajfti-2098	114	1	finally	finally	ADV
ajfti-2098	114	2	,	,	PUNCT
ajfti-2098	114	3	82.5	82.5	NUM
ajfti-2098	114	4	%	%	NOUN
ajfti-2098	114	5	see	see	VERB
ajfti-2098	114	6	inadequate	inadequate	ADJ
ajfti-2098	114	7	access	access	NOUN
ajfti-2098	114	8	to	to	ADP
ajfti-2098	114	9	capital	capital	NOUN
ajfti-2098	114	10	and	and	CCONJ
ajfti-2098	114	11	investment	investment	NOUN
ajfti-2098	114	12	for	for	ADP
ajfti-2098	114	13	fintech	fintech	NOUN
ajfti-2098	114	14	businesses	business	NOUN
ajfti-2098	114	15	as	as	ADP
ajfti-2098	114	16	a	a	DET
ajfti-2098	114	17	barrier	barrier	NOUN
ajfti-2098	114	18	,	,	PUNCT
ajfti-2098	114	19	emphasizing	emphasize	VERB
ajfti-2098	114	20	the	the	DET
ajfti-2098	114	21	significance	significance	NOUN
ajfti-2098	114	22	of	of	ADP
ajfti-2098	114	23	increasing	increase	VERB
ajfti-2098	114	24	financial	financial	ADJ
ajfti-2098	114	25	support	support	NOUN
ajfti-2098	114	26	for	for	ADP
ajfti-2098	114	27	innovation	innovation	NOUN
ajfti-2098	114	28	in	in	ADP
ajfti-2098	114	29	the	the	DET
ajfti-2098	114	30	takaful	takaful	ADJ
ajfti-2098	114	31	insurance	insurance	NOUN
ajfti-2098	114	32	market	market	NOUN
ajfti-2098	114	33	.	.	PUNCT
ajfti-2098	115	1	increase	increase	VERB
ajfti-2098	115	2	in	in	ADP
ajfti-2098	115	3	profitability	profitability	NOUN
ajfti-2098	115	4	of	of	ADP
ajfti-2098	115	5	takaful	takaful	ADJ
ajfti-2098	115	6	insurance	insurance	NOUN
ajfti-2098	115	7	industry	industry	NOUN
ajfti-2098	115	8	through	through	ADP
ajfti-2098	115	9	fintech	fintech	NOUN
ajfti-2098	115	10	the	the	DET
ajfti-2098	115	11	frequency	frequency	NOUN
ajfti-2098	115	12	analysis	analysis	NOUN
ajfti-2098	115	13	in	in	ADP
ajfti-2098	115	14	figure	figure	NOUN
ajfti-2098	115	15	4	4	NUM
ajfti-2098	115	16	demonstrates	demonstrate	VERB
ajfti-2098	115	17	the	the	DET
ajfti-2098	115	18	immense	immense	ADJ
ajfti-2098	115	19	impact	impact	NOUN
ajfti-2098	115	20	of	of	ADP
ajfti-2098	115	21	fintech	fintech	NOUN
ajfti-2098	115	22	integration	integration	NOUN
ajfti-2098	115	23	on	on	ADP
ajfti-2098	115	24	the	the	DET
ajfti-2098	115	25	profitability	profitability	NOUN
ajfti-2098	115	26	of	of	ADP
ajfti-2098	115	27	qatar	qatar	PROPN
ajfti-2098	115	28	’s	’s	PART
ajfti-2098	115	29	takaful	takaful	ADJ
ajfti-2098	115	30	insurance	insurance	NOUN
ajfti-2098	115	31	sector	sector	NOUN
ajfti-2098	115	32	.	.	PUNCT
ajfti-2098	116	1	a	a	DET
ajfti-2098	116	2	sizable	sizable	ADJ
ajfti-2098	116	3	91.3	91.3	NUM
ajfti-2098	116	4	%	%	NOUN
ajfti-2098	116	5	of	of	ADP
ajfti-2098	116	6	respondents	respondent	NOUN
ajfti-2098	116	7	believe	believe	VERB
ajfti-2098	116	8	that	that	SCONJ
ajfti-2098	116	9	fintech	fintech	NOUN
ajfti-2098	116	10	adoption	adoption	NOUN
ajfti-2098	116	11	has	have	AUX
ajfti-2098	116	12	resulted	result	VERB
ajfti-2098	116	13	in	in	ADP
ajfti-2098	116	14	a	a	DET
ajfti-2098	116	15	significant	significant	ADJ
ajfti-2098	116	16	rise	rise	NOUN
ajfti-2098	116	17	in	in	ADP
ajfti-2098	116	18	profitability	profitability	NOUN
ajfti-2098	116	19	.	.	PUNCT
ajfti-2098	117	1	this	this	PRON
ajfti-2098	117	2	reinforces	reinforce	VERB
ajfti-2098	117	3	the	the	DET
ajfti-2098	117	4	widespread	widespread	ADJ
ajfti-2098	117	5	belief	belief	NOUN
ajfti-2098	117	6	that	that	SCONJ
ajfti-2098	117	7	fintech	fintech	NOUN
ajfti-2098	117	8	technology	technology	NOUN
ajfti-2098	117	9	contributes	contribute	VERB
ajfti-2098	117	10	greatly	greatly	ADV
ajfti-2098	117	11	to	to	ADP
ajfti-2098	117	12	financial	financial	ADJ
ajfti-2098	117	13	advantages	advantage	NOUN
ajfti-2098	117	14	in	in	ADP
ajfti-2098	117	15	the	the	DET
ajfti-2098	117	16	sector	sector	NOUN
ajfti-2098	117	17	.	.	PUNCT
ajfti-2098	118	1	furthermore	furthermore	ADV
ajfti-2098	118	2	,	,	PUNCT
ajfti-2098	118	3	84.4	84.4	NUM
ajfti-2098	118	4	%	%	NOUN
ajfti-2098	118	5	recognize	recognize	VERB
ajfti-2098	118	6	fintech	fintech	NOUN
ajfti-2098	118	7	’s	’s	PART
ajfti-2098	118	8	significance	significance	NOUN
ajfti-2098	118	9	in	in	ADP
ajfti-2098	118	10	improving	improve	VERB
ajfti-2098	118	11	operational	operational	ADJ
ajfti-2098	118	12	efficiency	efficiency	NOUN
ajfti-2098	118	13	,	,	PUNCT
ajfti-2098	118	14	lowering	lower	VERB
ajfti-2098	118	15	expenses	expense	NOUN
ajfti-2098	118	16	,	,	PUNCT
ajfti-2098	118	17	and	and	CCONJ
ajfti-2098	118	18	increasing	increase	VERB
ajfti-2098	118	19	profits	profit	NOUN
ajfti-2098	118	20	.	.	PUNCT
ajfti-2098	119	1	furthermore	furthermore	ADV
ajfti-2098	119	2	,	,	PUNCT
ajfti-2098	119	3	with	with	ADP
ajfti-2098	119	4	84.4	84.4	NUM
ajfti-2098	119	5	%	%	NOUN
ajfti-2098	119	6	agreement	agreement	NOUN
ajfti-2098	119	7	,	,	PUNCT
ajfti-2098	119	8	fintech	fintech	NOUN
ajfti-2098	119	9	’s	’s	PART
ajfti-2098	119	10	capacity	capacity	NOUN
ajfti-2098	119	11	to	to	PART
ajfti-2098	119	12	facilitate	facilitate	VERB
ajfti-2098	119	13	personalized	personalized	ADJ
ajfti-2098	119	14	insurance	insurance	NOUN
ajfti-2098	119	15	solutions	solution	NOUN
ajfti-2098	119	16	and	and	CCONJ
ajfti-2098	119	17	boost	boost	VERB
ajfti-2098	119	18	client	client	NOUN
ajfti-2098	119	19	retention	retention	NOUN
ajfti-2098	119	20	underscores	underscore	VERB
ajfti-2098	119	21	its	its	PRON
ajfti-2098	119	22	significance	significance	NOUN
ajfti-2098	119	23	in	in	ADP
ajfti-2098	119	24	increasing	increase	VERB
ajfti-2098	119	25	profitability	profitability	NOUN
ajfti-2098	119	26	.	.	PUNCT
ajfti-2098	120	1	the	the	DET
ajfti-2098	120	2	fact	fact	NOUN
ajfti-2098	120	3	that	that	SCONJ
ajfti-2098	120	4	88.1	88.1	NUM
ajfti-2098	120	5	%	%	NOUN
ajfti-2098	120	6	of	of	ADP
ajfti-2098	120	7	companies	company	NOUN
ajfti-2098	120	8	recognize	recognize	VERB
ajfti-2098	120	9	data	data	NOUN
ajfti-2098	120	10	-	-	PUNCT
ajfti-2098	120	11	driven	drive	VERB
ajfti-2098	120	12	growth	growth	NOUN
ajfti-2098	120	13	potential	potential	NOUN
ajfti-2098	120	14	demonstrates	demonstrate	VERB
ajfti-2098	120	15	the	the	DET
ajfti-2098	120	16	relevance	relevance	NOUN
ajfti-2098	120	17	of	of	ADP
ajfti-2098	120	18	analytics	analytic	NOUN
ajfti-2098	120	19	in	in	ADP
ajfti-2098	120	20	optimizing	optimize	VERB
ajfti-2098	120	21	income	income	NOUN
ajfti-2098	120	22	sources	source	NOUN
ajfti-2098	120	23	.	.	PUNCT
ajfti-2098	121	1	these	these	DET
ajfti-2098	121	2	data	datum	NOUN
ajfti-2098	121	3	demonstrate	demonstrate	PROPN
ajfti-2098	121	4	fintech	fintech	NOUN
ajfti-2098	121	5	’s	’s	PART
ajfti-2098	121	6	transformational	transformational	ADJ
ajfti-2098	121	7	impact	impact	NOUN
ajfti-2098	121	8	on	on	ADP
ajfti-2098	121	9	takaful	takaful	ADJ
ajfti-2098	121	10	insurance	insurance	NOUN
ajfti-2098	121	11	profitability	profitability	NOUN
ajfti-2098	121	12	in	in	ADP
ajfti-2098	121	13	qatar	qatar	PROPN
ajfti-2098	121	14	.	.	PUNCT
ajfti-2098	122	1	figure	figure	VERB
ajfti-2098	122	2	3	3	NUM
ajfti-2098	122	3	:	:	PUNCT
ajfti-2098	122	4	challenges	challenge	NOUN
ajfti-2098	122	5	for	for	ADP
ajfti-2098	122	6	the	the	DET
ajfti-2098	122	7	integration	integration	NOUN
ajfti-2098	122	8	of	of	ADP
ajfti-2098	122	9	fintech	fintech	NOUN
ajfti-2098	122	10	in	in	ADP
ajfti-2098	122	11	the	the	DET
ajfti-2098	122	12	takaful	takaful	ADJ
ajfti-2098	122	13	insurance	insurance	NOUN
ajfti-2098	122	14	industry	industry	NOUN
ajfti-2098	122	15	of	of	ADP
ajfti-2098	122	16	qatar	qatar	PROPN
ajfti-2098	122	17	figure	figure	NOUN
ajfti-2098	122	18	4	4	NUM
ajfti-2098	122	19	:	:	PUNCT
ajfti-2098	122	20	enhanced	enhanced	ADJ
ajfti-2098	122	21	performance	performance	NOUN
ajfti-2098	122	22	and	and	CCONJ
ajfti-2098	122	23	profitability	profitability	NOUN
ajfti-2098	122	24	through	through	ADP
ajfti-2098	122	25	fintech	fintech	NOUN
ajfti-2098	122	26	integration	integration	NOUN
ajfti-2098	122	27	in	in	ADP
ajfti-2098	122	28	the	the	DET
ajfti-2098	122	29	takaful	takaful	ADJ
ajfti-2098	122	30	insurance	insurance	NOUN
ajfti-2098	122	31	sector	sector	NOUN
ajfti-2098	122	32	of	of	ADP
ajfti-2098	122	33	qatar	qatar	PROPN
ajfti-2098	122	34	pa	pa	PROPN
ajfti-2098	122	35	ge	ge	PROPN
ajfti-2098	122	36	20	20	NUM
ajfti-2098	122	37	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2098	122	38	am	be	AUX
ajfti-2098	122	39	.	.	PUNCT
ajfti-2098	123	1	j.	j.	PROPN
ajfti-2098	123	2	financ	financ	PROPN
ajfti-2098	123	3	.	.	PUNCT
ajfti-2098	124	1	technol	technol	PROPN
ajfti-2098	124	2	.	.	PUNCT
ajfti-2098	124	3	innov	innov	PROPN
ajfti-2098	124	4	.	.	PUNCT
ajfti-2098	125	1	1(1	1(1	NUM
ajfti-2098	125	2	)	)	PUNCT
ajfti-2098	125	3	15	15	NUM
ajfti-2098	125	4	-	-	SYM
ajfti-2098	125	5	23	23	NUM
ajfti-2098	125	6	,	,	PUNCT
ajfti-2098	125	7	2023	2023	NUM
ajfti-2098	125	8	promoting	promote	VERB
ajfti-2098	125	9	the	the	DET
ajfti-2098	125	10	takaful	takaful	ADJ
ajfti-2098	125	11	insurance	insurance	NOUN
ajfti-2098	125	12	industry	industry	NOUN
ajfti-2098	125	13	of	of	ADP
ajfti-2098	125	14	qatar	qatar	PROPN
ajfti-2098	125	15	through	through	ADP
ajfti-2098	125	16	fintech	fintech	NOUN
ajfti-2098	125	17	the	the	DET
ajfti-2098	125	18	analysis	analysis	NOUN
ajfti-2098	125	19	is	be	AUX
ajfti-2098	125	20	in	in	ADP
ajfti-2098	125	21	figure	figure	NOUN
ajfti-2098	125	22	5	5	NUM
ajfti-2098	125	23	.	.	PUNCT
ajfti-2098	125	24	reveals	reveal	VERB
ajfti-2098	125	25	that	that	SCONJ
ajfti-2098	125	26	fintech	fintech	NOUN
ajfti-2098	125	27	is	be	AUX
ajfti-2098	125	28	widely	widely	ADV
ajfti-2098	125	29	perceived	perceive	VERB
ajfti-2098	125	30	as	as	ADP
ajfti-2098	125	31	a	a	DET
ajfti-2098	125	32	significant	significant	ADJ
ajfti-2098	125	33	contributor	contributor	NOUN
ajfti-2098	125	34	to	to	ADP
ajfti-2098	125	35	the	the	DET
ajfti-2098	125	36	promotion	promotion	NOUN
ajfti-2098	125	37	of	of	ADP
ajfti-2098	125	38	the	the	DET
ajfti-2098	125	39	takaful	takaful	ADJ
ajfti-2098	125	40	insurance	insurance	NOUN
ajfti-2098	125	41	industry	industry	NOUN
ajfti-2098	125	42	in	in	ADP
ajfti-2098	125	43	qatar	qatar	PROPN
ajfti-2098	125	44	.	.	PUNCT
ajfti-2098	126	1	a	a	DET
ajfti-2098	126	2	substantial	substantial	ADJ
ajfti-2098	126	3	83.4	83.4	NUM
ajfti-2098	126	4	%	%	NOUN
ajfti-2098	126	5	of	of	ADP
ajfti-2098	126	6	respondents	respondent	NOUN
ajfti-2098	126	7	believe	believe	VERB
ajfti-2098	126	8	that	that	SCONJ
ajfti-2098	126	9	fintech	fintech	NOUN
ajfti-2098	126	10	has	have	AUX
ajfti-2098	126	11	played	play	VERB
ajfti-2098	126	12	a	a	DET
ajfti-2098	126	13	crucial	crucial	ADJ
ajfti-2098	126	14	role	role	NOUN
ajfti-2098	126	15	in	in	ADP
ajfti-2098	126	16	advancing	advance	VERB
ajfti-2098	126	17	the	the	DET
ajfti-2098	126	18	industry	industry	NOUN
ajfti-2098	126	19	.	.	PUNCT
ajfti-2098	127	1	additionally	additionally	ADV
ajfti-2098	127	2	,	,	PUNCT
ajfti-2098	127	3	81.9	81.9	NUM
ajfti-2098	127	4	%	%	NOUN
ajfti-2098	127	5	agree	agree	VERB
ajfti-2098	127	6	that	that	SCONJ
ajfti-2098	127	7	fintech	fintech	NOUN
ajfti-2098	127	8	adoption	adoption	NOUN
ajfti-2098	127	9	enhances	enhance	VERB
ajfti-2098	127	10	customer	customer	NOUN
ajfti-2098	127	11	engagement	engagement	NOUN
ajfti-2098	127	12	and	and	CCONJ
ajfti-2098	127	13	trust	trust	NOUN
ajfti-2098	127	14	,	,	PUNCT
ajfti-2098	127	15	vital	vital	ADJ
ajfti-2098	127	16	elements	element	NOUN
ajfti-2098	127	17	for	for	ADP
ajfti-2098	127	18	industry	industry	NOUN
ajfti-2098	127	19	growth	growth	NOUN
ajfti-2098	127	20	.	.	PUNCT
ajfti-2098	128	1	the	the	DET
ajfti-2098	128	2	findings	finding	NOUN
ajfti-2098	128	3	collectively	collectively	ADV
ajfti-2098	128	4	demonstrate	demonstrate	VERB
ajfti-2098	128	5	a	a	DET
ajfti-2098	128	6	strong	strong	ADJ
ajfti-2098	128	7	consensus	consensus	NOUN
ajfti-2098	128	8	among	among	ADP
ajfti-2098	128	9	professionals	professional	NOUN
ajfti-2098	128	10	regarding	regard	VERB
ajfti-2098	128	11	the	the	DET
ajfti-2098	128	12	positive	positive	ADJ
ajfti-2098	128	13	impact	impact	NOUN
ajfti-2098	128	14	of	of	ADP
ajfti-2098	128	15	fintech	fintech	NOUN
ajfti-2098	128	16	on	on	ADP
ajfti-2098	128	17	both	both	DET
ajfti-2098	128	18	industry	industry	NOUN
ajfti-2098	128	19	promotion	promotion	NOUN
ajfti-2098	128	20	and	and	CCONJ
ajfti-2098	128	21	customer	customer	NOUN
ajfti-2098	128	22	relations	relation	NOUN
ajfti-2098	128	23	,	,	PUNCT
ajfti-2098	128	24	underscoring	underscore	VERB
ajfti-2098	128	25	fintech	fintech	NOUN
ajfti-2098	128	26	’s	’s	PART
ajfti-2098	128	27	pivotal	pivotal	ADJ
ajfti-2098	128	28	role	role	NOUN
ajfti-2098	128	29	in	in	ADP
ajfti-2098	128	30	the	the	DET
ajfti-2098	128	31	takaful	takaful	ADJ
ajfti-2098	128	32	sector	sector	NOUN
ajfti-2098	128	33	’s	’s	PART
ajfti-2098	128	34	development	development	NOUN
ajfti-2098	128	35	.	.	PUNCT
ajfti-2098	129	1	figure	figure	VERB
ajfti-2098	129	2	5	5	NUM
ajfti-2098	129	3	:	:	PUNCT
ajfti-2098	129	4	promoting	promote	VERB
ajfti-2098	129	5	growth	growth	NOUN
ajfti-2098	129	6	of	of	ADP
ajfti-2098	129	7	the	the	DET
ajfti-2098	129	8	takaful	takaful	ADJ
ajfti-2098	129	9	insurance	insurance	NOUN
ajfti-2098	129	10	industry	industry	NOUN
ajfti-2098	129	11	in	in	ADP
ajfti-2098	129	12	qatar	qatar	PROPN
ajfti-2098	129	13	through	through	ADP
ajfti-2098	129	14	fintech	fintech	NOUN
ajfti-2098	129	15	innovations	innovation	NOUN
ajfti-2098	129	16	correlation	correlation	NOUN
ajfti-2098	129	17	analysis	analysis	NOUN
ajfti-2098	129	18	the	the	DET
ajfti-2098	129	19	correlation	correlation	NOUN
ajfti-2098	129	20	analysis	analysis	NOUN
ajfti-2098	129	21	between	between	ADP
ajfti-2098	129	22	fintech	fintech	NOUN
ajfti-2098	129	23	integration	integration	NOUN
ajfti-2098	129	24	,	,	PUNCT
ajfti-2098	129	25	its	its	PRON
ajfti-2098	129	26	challenges	challenge	NOUN
ajfti-2098	129	27	,	,	PUNCT
ajfti-2098	129	28	increasing	increase	VERB
ajfti-2098	129	29	profitability	profitability	NOUN
ajfti-2098	129	30	,	,	PUNCT
ajfti-2098	129	31	and	and	CCONJ
ajfti-2098	129	32	promoting	promote	VERB
ajfti-2098	129	33	the	the	DET
ajfti-2098	129	34	growth	growth	NOUN
ajfti-2098	129	35	of	of	ADP
ajfti-2098	129	36	the	the	DET
ajfti-2098	129	37	qatar	qatar	NOUN
ajfti-2098	129	38	’s	’s	PART
ajfti-2098	129	39	takaful	takaful	ADJ
ajfti-2098	129	40	insurance	insurance	NOUN
ajfti-2098	129	41	industry	industry	NOUN
ajfti-2098	129	42	reveals	reveal	VERB
ajfti-2098	129	43	significant	significant	ADJ
ajfti-2098	129	44	positive	positive	ADJ
ajfti-2098	129	45	correlations	correlation	NOUN
ajfti-2098	129	46	between	between	ADP
ajfti-2098	129	47	factors	factor	NOUN
ajfti-2098	129	48	related	relate	VERB
ajfti-2098	129	49	to	to	ADP
ajfti-2098	129	50	fintech	fintech	NOUN
ajfti-2098	129	51	integration	integration	NOUN
ajfti-2098	129	52	and	and	CCONJ
ajfti-2098	129	53	their	their	PRON
ajfti-2098	129	54	influence	influence	NOUN
ajfti-2098	129	55	on	on	ADP
ajfti-2098	129	56	the	the	DET
ajfti-2098	129	57	qatar	qatar	NOUN
ajfti-2098	129	58	’s	’s	PART
ajfti-2098	129	59	takaful	takaful	ADJ
ajfti-2098	129	60	insurance	insurance	NOUN
ajfti-2098	129	61	market	market	NOUN
ajfti-2098	129	62	.	.	PUNCT
ajfti-2098	130	1	fip	fip	PROPN
ajfti-2098	130	2	(	(	PUNCT
ajfti-2098	130	3	fintech	fintech	NOUN
ajfti-2098	130	4	and	and	CCONJ
ajfti-2098	130	5	increase	increase	VERB
ajfti-2098	130	6	profitability	profitability	NOUN
ajfti-2098	130	7	)	)	PUNCT
ajfti-2098	130	8	correlates	correlate	VERB
ajfti-2098	130	9	significantly	significantly	ADV
ajfti-2098	130	10	with	with	ADP
ajfti-2098	130	11	ift	ift	PROPN
ajfti-2098	130	12	(	(	PUNCT
ajfti-2098	130	13	impact	impact	NOUN
ajfti-2098	130	14	of	of	ADP
ajfti-2098	130	15	integrating	integrate	VERB
ajfti-2098	130	16	fintech	fintech	NOUN
ajfti-2098	130	17	)	)	PUNCT
ajfti-2098	130	18	at	at	ADP
ajfti-2098	130	19	0.579	0.579	NUM
ajfti-2098	130	20	,	,	PUNCT
ajfti-2098	130	21	ci	ci	PROPN
ajfti-2098	130	22	(	(	PUNCT
ajfti-2098	130	23	challenges	challenge	NOUN
ajfti-2098	130	24	for	for	ADP
ajfti-2098	130	25	integrating	integrate	VERB
ajfti-2098	130	26	fintech	fintech	NOUN
ajfti-2098	130	27	)	)	PUNCT
ajfti-2098	130	28	at	at	ADP
ajfti-2098	130	29	0.541	0.541	NUM
ajfti-2098	130	30	,	,	PUNCT
ajfti-2098	130	31	and	and	CCONJ
ajfti-2098	130	32	pr	pr	X
ajfti-2098	130	33	(	(	PUNCT
ajfti-2098	130	34	promoting	promote	VERB
ajfti-2098	130	35	takaful	takaful	ADJ
ajfti-2098	130	36	insurance	insurance	NOUN
ajfti-2098	130	37	industry	industry	NOUN
ajfti-2098	130	38	using	use	VERB
ajfti-2098	130	39	fintech	fintech	NOUN
ajfti-2098	130	40	)	)	PUNCT
ajfti-2098	130	41	at	at	ADP
ajfti-2098	130	42	0.519	0.519	NUM
ajfti-2098	130	43	.	.	PUNCT
ajfti-2098	131	1	this	this	PRON
ajfti-2098	131	2	suggests	suggest	VERB
ajfti-2098	131	3	that	that	SCONJ
ajfti-2098	131	4	fintech	fintech	NOUN
ajfti-2098	131	5	integration	integration	NOUN
ajfti-2098	131	6	leads	lead	VERB
ajfti-2098	131	7	to	to	ADP
ajfti-2098	131	8	increased	increase	VERB
ajfti-2098	131	9	profitability	profitability	NOUN
ajfti-2098	131	10	,	,	PUNCT
ajfti-2098	131	11	integration	integration	NOUN
ajfti-2098	131	12	issues	issue	NOUN
ajfti-2098	131	13	,	,	PUNCT
ajfti-2098	131	14	and	and	CCONJ
ajfti-2098	131	15	takaful	takaful	ADJ
ajfti-2098	131	16	industry	industry	NOUN
ajfti-2098	131	17	promotion	promotion	NOUN
ajfti-2098	131	18	.	.	PUNCT
ajfti-2098	132	1	furthermore	furthermore	ADV
ajfti-2098	132	2	,	,	PUNCT
ajfti-2098	132	3	ift	ift	NOUN
ajfti-2098	132	4	,	,	PUNCT
ajfti-2098	132	5	ci	ci	NOUN
ajfti-2098	132	6	,	,	PUNCT
ajfti-2098	132	7	and	and	CCONJ
ajfti-2098	132	8	pr	pr	AUX
ajfti-2098	132	9	all	all	PRON
ajfti-2098	132	10	demonstrate	demonstrate	VERB
ajfti-2098	132	11	significant	significant	ADJ
ajfti-2098	132	12	positive	positive	ADJ
ajfti-2098	132	13	associations	association	NOUN
ajfti-2098	132	14	with	with	ADP
ajfti-2098	132	15	one	one	NUM
ajfti-2098	132	16	another	another	DET
ajfti-2098	132	17	,	,	PUNCT
ajfti-2098	132	18	indicating	indicate	VERB
ajfti-2098	132	19	that	that	SCONJ
ajfti-2098	132	20	these	these	DET
ajfti-2098	132	21	variables	variable	NOUN
ajfti-2098	132	22	are	be	AUX
ajfti-2098	132	23	linked	link	VERB
ajfti-2098	132	24	.	.	PUNCT
ajfti-2098	133	1	in	in	ADP
ajfti-2098	133	2	essence	essence	NOUN
ajfti-2098	133	3	,	,	PUNCT
ajfti-2098	133	4	fintech	fintech	NOUN
ajfti-2098	133	5	’s	’s	PART
ajfti-2098	133	6	position	position	NOUN
ajfti-2098	133	7	in	in	ADP
ajfti-2098	133	8	the	the	DET
ajfti-2098	133	9	takaful	takaful	ADJ
ajfti-2098	133	10	insurance	insurance	NOUN
ajfti-2098	133	11	industry	industry	NOUN
ajfti-2098	133	12	involves	involve	VERB
ajfti-2098	133	13	profitability	profitability	NOUN
ajfti-2098	133	14	,	,	PUNCT
ajfti-2098	133	15	issues	issue	NOUN
ajfti-2098	133	16	,	,	PUNCT
ajfti-2098	133	17	and	and	CCONJ
ajfti-2098	133	18	promotional	promotional	ADJ
ajfti-2098	133	19	features	feature	NOUN
ajfti-2098	133	20	,	,	PUNCT
ajfti-2098	133	21	among	among	ADP
ajfti-2098	133	22	other	other	ADJ
ajfti-2098	133	23	things	thing	NOUN
ajfti-2098	133	24	.	.	PUNCT
ajfti-2098	134	1	table	table	NOUN
ajfti-2098	134	2	1	1	NUM
ajfti-2098	134	3	:	:	PUNCT
ajfti-2098	134	4	correlation	correlation	NOUN
ajfti-2098	134	5	analysis	analysis	NOUN
ajfti-2098	134	6	correlations	correlation	NOUN
ajfti-2098	134	7	fip	fip	PROPN
ajfti-2098	134	8	ift	ift	PROPN
ajfti-2098	134	9	ci	ci	PROPN
ajfti-2098	134	10	pr	pr	PROPN
ajfti-2098	134	11	fip	fip	PROPN
ajfti-2098	134	12	pearson	pearson	PROPN
ajfti-2098	134	13	correlation	correlation	NOUN
ajfti-2098	134	14	1	1	NUM
ajfti-2098	134	15	.579	.579	NUM
ajfti-2098	134	16	*	*	NOUN
ajfti-2098	134	17	*	*	NOUN
ajfti-2098	134	18	.541	.541	PUNCT
ajfti-2098	134	19	*	*	PUNCT
ajfti-2098	135	1	*	*	PUNCT
ajfti-2098	135	2	.519	.519	NUM
ajfti-2098	135	3	*	*	PUNCT
ajfti-2098	135	4	*	*	X
ajfti-2098	135	5	sig	sig	X
ajfti-2098	135	6	.	.	PUNCT
ajfti-2098	136	1	(	(	PUNCT
ajfti-2098	136	2	2	2	NUM
ajfti-2098	136	3	-	-	PUNCT
ajfti-2098	136	4	tailed	tailed	ADJ
ajfti-2098	136	5	)	)	PUNCT
ajfti-2098	136	6	.000	.000	NUM
ajfti-2098	137	1	.000	.000	NUM
ajfti-2098	137	2	.000	.000	NUM
ajfti-2098	137	3	n	n	SYM
ajfti-2098	137	4	320	320	NUM
ajfti-2098	137	5	320	320	NUM
ajfti-2098	137	6	320	320	NUM
ajfti-2098	137	7	320	320	NUM
ajfti-2098	137	8	ift	ift	NOUN
ajfti-2098	137	9	pearson	pearson	NOUN
ajfti-2098	137	10	correlation	correlation	NOUN
ajfti-2098	137	11	.579	.579	NUM
ajfti-2098	137	12	*	*	PUNCT
ajfti-2098	137	13	*	*	PUNCT
ajfti-2098	137	14	1	1	NUM
ajfti-2098	137	15	.707	.707	NUM
ajfti-2098	137	16	*	*	NOUN
ajfti-2098	137	17	*	*	NOUN
ajfti-2098	137	18	.577	.577	NUM
ajfti-2098	137	19	*	*	PROPN
ajfti-2098	137	20	*	*	PUNCT
ajfti-2098	137	21	sig	sig	X
ajfti-2098	137	22	.	.	PUNCT
ajfti-2098	138	1	(	(	PUNCT
ajfti-2098	138	2	2	2	NUM
ajfti-2098	138	3	-	-	PUNCT
ajfti-2098	138	4	tailed	tailed	ADJ
ajfti-2098	138	5	)	)	PUNCT
ajfti-2098	138	6	.000	.000	NUM
ajfti-2098	139	1	.000	.000	NUM
ajfti-2098	139	2	.000	.000	NUM
ajfti-2098	139	3	n	n	SYM
ajfti-2098	139	4	320	320	NUM
ajfti-2098	139	5	320	320	NUM
ajfti-2098	139	6	320	320	NUM
ajfti-2098	139	7	320	320	NUM
ajfti-2098	139	8	ci	ci	NOUN
ajfti-2098	139	9	pearson	pearson	NOUN
ajfti-2098	139	10	correlation	correlation	NOUN
ajfti-2098	139	11	.541	.541	NUM
ajfti-2098	139	12	*	*	PUNCT
ajfti-2098	139	13	*	*	PUNCT
ajfti-2098	139	14	.707	.707	NUM
ajfti-2098	139	15	*	*	PROPN
ajfti-2098	139	16	*	*	NOUN
ajfti-2098	139	17	1	1	NUM
ajfti-2098	139	18	.501	.501	NUM
ajfti-2098	139	19	*	*	PUNCT
ajfti-2098	139	20	*	*	PUNCT
ajfti-2098	139	21	sig	sig	X
ajfti-2098	139	22	.	.	PUNCT
ajfti-2098	140	1	(	(	PUNCT
ajfti-2098	140	2	2	2	NUM
ajfti-2098	140	3	-	-	PUNCT
ajfti-2098	140	4	tailed	tailed	ADJ
ajfti-2098	140	5	)	)	PUNCT
ajfti-2098	140	6	.000	.000	NUM
ajfti-2098	141	1	.000	.000	NUM
ajfti-2098	141	2	.000	.000	NUM
ajfti-2098	141	3	n	n	SYM
ajfti-2098	141	4	320	320	NUM
ajfti-2098	141	5	320	320	NUM
ajfti-2098	141	6	320	320	NUM
ajfti-2098	141	7	320	320	NUM
ajfti-2098	141	8	pa	pa	PROPN
ajfti-2098	141	9	ge	ge	PROPN
ajfti-2098	141	10	21	21	NUM
ajfti-2098	141	11	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2098	141	12	am	be	AUX
ajfti-2098	141	13	.	.	PUNCT
ajfti-2098	142	1	j.	j.	PROPN
ajfti-2098	142	2	financ	financ	PROPN
ajfti-2098	142	3	.	.	PUNCT
ajfti-2098	143	1	technol	technol	PROPN
ajfti-2098	143	2	.	.	PUNCT
ajfti-2098	143	3	innov	innov	PROPN
ajfti-2098	143	4	.	.	PUNCT
ajfti-2098	144	1	1(1	1(1	NUM
ajfti-2098	144	2	)	)	PUNCT
ajfti-2098	144	3	15	15	NUM
ajfti-2098	144	4	-	-	SYM
ajfti-2098	144	5	23	23	NUM
ajfti-2098	144	6	,	,	PUNCT
ajfti-2098	144	7	2023	2023	NUM
ajfti-2098	144	8	pr	pr	NOUN
ajfti-2098	144	9	pearson	pearson	PROPN
ajfti-2098	144	10	correlation	correlation	NOUN
ajfti-2098	144	11	.519	.519	NUM
ajfti-2098	144	12	*	*	PUNCT
ajfti-2098	144	13	*	*	PUNCT
ajfti-2098	144	14	.577	.577	NUM
ajfti-2098	144	15	*	*	NOUN
ajfti-2098	144	16	*	*	NOUN
ajfti-2098	144	17	.501	.501	NUM
ajfti-2098	144	18	*	*	PUNCT
ajfti-2098	144	19	*	*	SYM
ajfti-2098	144	20	1	1	NUM
ajfti-2098	144	21	sig	sig	NOUN
ajfti-2098	144	22	.	.	PUNCT
ajfti-2098	145	1	(	(	PUNCT
ajfti-2098	145	2	2	2	NUM
ajfti-2098	145	3	-	-	PUNCT
ajfti-2098	145	4	tailed	tailed	ADJ
ajfti-2098	145	5	)	)	PUNCT
ajfti-2098	145	6	.000	.000	NUM
ajfti-2098	146	1	.000	.000	NUM
ajfti-2098	146	2	.000	.000	NUM
ajfti-2098	146	3	n	n	SYM
ajfti-2098	146	4	320	320	NUM
ajfti-2098	146	5	320	320	NUM
ajfti-2098	146	6	320	320	NUM
ajfti-2098	146	7	320	320	NUM
ajfti-2098	146	8	*	*	PUNCT
ajfti-2098	146	9	*	*	PUNCT
ajfti-2098	146	10	correlation	correlation	NOUN
ajfti-2098	146	11	is	be	AUX
ajfti-2098	146	12	significant	significant	ADJ
ajfti-2098	146	13	at	at	ADP
ajfti-2098	146	14	the	the	DET
ajfti-2098	146	15	0.01	0.01	NUM
ajfti-2098	146	16	level	level	NOUN
ajfti-2098	146	17	(	(	PUNCT
ajfti-2098	146	18	2	2	NUM
ajfti-2098	146	19	-	-	PUNCT
ajfti-2098	146	20	tailed	tailed	ADJ
ajfti-2098	146	21	)	)	PUNCT
ajfti-2098	146	22	regression	regression	VERB
ajfti-2098	146	23	analysis	analysis	NOUN
ajfti-2098	146	24	the	the	DET
ajfti-2098	146	25	regression	regression	NOUN
ajfti-2098	146	26	analysis	analysis	NOUN
ajfti-2098	146	27	emphasizes	emphasize	VERB
ajfti-2098	146	28	the	the	DET
ajfti-2098	146	29	importance	importance	NOUN
ajfti-2098	146	30	of	of	ADP
ajfti-2098	146	31	the	the	DET
ajfti-2098	146	32	independent	independent	ADJ
ajfti-2098	146	33	variables	variable	NOUN
ajfti-2098	146	34	,	,	PUNCT
ajfti-2098	146	35	such	such	ADJ
ajfti-2098	146	36	as	as	ADP
ajfti-2098	146	37	promoting	promote	VERB
ajfti-2098	146	38	the	the	DET
ajfti-2098	146	39	takaful	takaful	ADJ
ajfti-2098	146	40	insurance	insurance	NOUN
ajfti-2098	146	41	industry	industry	NOUN
ajfti-2098	146	42	through	through	ADP
ajfti-2098	146	43	fintech	fintech	NOUN
ajfti-2098	146	44	(	(	PUNCT
ajfti-2098	146	45	pr	pr	NOUN
ajfti-2098	146	46	)	)	PUNCT
ajfti-2098	146	47	,	,	PUNCT
ajfti-2098	146	48	challenges	challenge	NOUN
ajfti-2098	146	49	for	for	ADP
ajfti-2098	146	50	integrating	integrate	VERB
ajfti-2098	146	51	fintech	fintech	NOUN
ajfti-2098	146	52	technology	technology	NOUN
ajfti-2098	146	53	(	(	PUNCT
ajfti-2098	146	54	ci	ci	NOUN
ajfti-2098	146	55	)	)	PUNCT
ajfti-2098	146	56	,	,	PUNCT
ajfti-2098	146	57	and	and	CCONJ
ajfti-2098	146	58	the	the	DET
ajfti-2098	146	59	impact	impact	NOUN
ajfti-2098	146	60	of	of	ADP
ajfti-2098	146	61	integrating	integrate	VERB
ajfti-2098	146	62	fintech	fintech	NOUN
ajfti-2098	146	63	technology	technology	NOUN
ajfti-2098	146	64	(	(	PUNCT
ajfti-2098	146	65	ift	ift	NOUN
ajfti-2098	146	66	)	)	PUNCT
ajfti-2098	146	67	,	,	PUNCT
ajfti-2098	146	68	in	in	ADP
ajfti-2098	146	69	explaining	explain	VERB
ajfti-2098	146	70	variation	variation	NOUN
ajfti-2098	146	71	in	in	ADP
ajfti-2098	146	72	fintech	fintech	NOUN
ajfti-2098	146	73	’s	’s	PART
ajfti-2098	146	74	role	role	NOUN
ajfti-2098	146	75	in	in	ADP
ajfti-2098	146	76	increasing	increase	VERB
ajfti-2098	146	77	profitability	profitability	NOUN
ajfti-2098	146	78	in	in	ADP
ajfti-2098	146	79	the	the	DET
ajfti-2098	146	80	takaful	takaful	ADJ
ajfti-2098	146	81	insurance	insurance	NOUN
ajfti-2098	146	82	industry	industry	NOUN
ajfti-2098	146	83	(	(	PUNCT
ajfti-2098	146	84	fip	fip	PROPN
ajfti-2098	146	85	)	)	PUNCT
ajfti-2098	146	86	in	in	ADP
ajfti-2098	146	87	qatar	qatar	NOUN
ajfti-2098	146	88	.	.	PUNCT
ajfti-2098	147	1	the	the	DET
ajfti-2098	147	2	r	r	NOUN
ajfti-2098	147	3	-	-	PUNCT
ajfti-2098	147	4	squared	square	VERB
ajfti-2098	147	5	value	value	NOUN
ajfti-2098	147	6	of	of	ADP
ajfti-2098	147	7	the	the	DET
ajfti-2098	147	8	model	model	NOUN
ajfti-2098	147	9	is	be	AUX
ajfti-2098	147	10	0.409	0.409	NUM
ajfti-2098	147	11	,	,	PUNCT
ajfti-2098	147	12	indicating	indicate	VERB
ajfti-2098	147	13	that	that	SCONJ
ajfti-2098	147	14	these	these	DET
ajfti-2098	147	15	factors	factor	NOUN
ajfti-2098	147	16	explain	explain	VERB
ajfti-2098	147	17	40.9	40.9	NUM
ajfti-2098	147	18	%	%	NOUN
ajfti-2098	147	19	of	of	ADP
ajfti-2098	147	20	the	the	DET
ajfti-2098	147	21	variation	variation	NOUN
ajfti-2098	147	22	in	in	ADP
ajfti-2098	147	23	fip	fip	PROPN
ajfti-2098	147	24	.	.	PUNCT
ajfti-2098	148	1	furthermore	furthermore	ADV
ajfti-2098	148	2	,	,	PUNCT
ajfti-2098	148	3	the	the	DET
ajfti-2098	148	4	anova	anova	PROPN
ajfti-2098	148	5	findings	findings	PROPN
ajfti-2098	148	6	show	show	VERB
ajfti-2098	148	7	a	a	DET
ajfti-2098	148	8	high	high	ADJ
ajfti-2098	148	9	level	level	NOUN
ajfti-2098	148	10	of	of	ADP
ajfti-2098	148	11	statistical	statistical	ADJ
ajfti-2098	148	12	significance	significance	NOUN
ajfti-2098	148	13	,	,	PUNCT
ajfti-2098	148	14	with	with	ADP
ajfti-2098	148	15	an	an	DET
ajfti-2098	148	16	f	f	NOUN
ajfti-2098	148	17	-	-	PUNCT
ajfti-2098	148	18	statistic	statistic	NOUN
ajfti-2098	148	19	of	of	ADP
ajfti-2098	148	20	72.954	72.954	NUM
ajfti-2098	148	21	(	(	PUNCT
ajfti-2098	148	22	p	p	NOUN
ajfti-2098	148	23	0.001	0.001	NUM
ajfti-2098	148	24	)	)	PUNCT
ajfti-2098	148	25	,	,	PUNCT
ajfti-2098	148	26	indicating	indicate	VERB
ajfti-2098	148	27	that	that	SCONJ
ajfti-2098	148	28	at	at	ADV
ajfti-2098	148	29	least	least	ADJ
ajfti-2098	148	30	one	one	NUM
ajfti-2098	148	31	of	of	ADP
ajfti-2098	148	32	the	the	DET
ajfti-2098	148	33	independent	independent	ADJ
ajfti-2098	148	34	factors	factor	NOUN
ajfti-2098	148	35	has	have	VERB
ajfti-2098	148	36	a	a	DET
ajfti-2098	148	37	substantial	substantial	ADJ
ajfti-2098	148	38	effect	effect	NOUN
ajfti-2098	148	39	on	on	ADP
ajfti-2098	148	40	fip	fip	PROPN
ajfti-2098	148	41	.	.	PROPN
ajfti-2098	148	42	to	to	PART
ajfti-2098	148	43	summarise	summarise	VERB
ajfti-2098	148	44	,	,	PUNCT
ajfti-2098	148	45	pr	pr	NOUN
ajfti-2098	148	46	,	,	PUNCT
ajfti-2098	148	47	ci	ci	NOUN
ajfti-2098	148	48	,	,	PUNCT
ajfti-2098	148	49	and	and	CCONJ
ajfti-2098	148	50	ift	ift	NOUN
ajfti-2098	148	51	all	all	PRON
ajfti-2098	148	52	play	play	VERB
ajfti-2098	148	53	a	a	DET
ajfti-2098	148	54	major	major	ADJ
ajfti-2098	148	55	and	and	CCONJ
ajfti-2098	148	56	statistically	statistically	ADV
ajfti-2098	148	57	significant	significant	ADJ
ajfti-2098	148	58	role	role	NOUN
ajfti-2098	148	59	in	in	ADP
ajfti-2098	148	60	evaluating	evaluate	VERB
ajfti-2098	148	61	the	the	DET
ajfti-2098	148	62	influence	influence	NOUN
ajfti-2098	148	63	of	of	ADP
ajfti-2098	148	64	fintech	fintech	NOUN
ajfti-2098	148	65	on	on	ADP
ajfti-2098	148	66	takaful	takaful	ADJ
ajfti-2098	148	67	sector	sector	NOUN
ajfti-2098	148	68	profitability	profitability	NOUN
ajfti-2098	148	69	.	.	PUNCT
ajfti-2098	149	1	table	table	NOUN
ajfti-2098	149	2	2	2	NUM
ajfti-2098	149	3	:	:	PUNCT
ajfti-2098	149	4	regression	regression	VERB
ajfti-2098	149	5	analysis	analysis	NOUN
ajfti-2098	149	6	model	model	NOUN
ajfti-2098	149	7	summary	summary	NOUN
ajfti-2098	149	8	model	model	NOUN
ajfti-2098	149	9	r	r	PROPN
ajfti-2098	149	10	r	r	NOUN
ajfti-2098	149	11	square	square	ADJ
ajfti-2098	149	12	adjusted	adjust	VERB
ajfti-2098	149	13	r	r	NOUN
ajfti-2098	149	14	square	square	ADJ
ajfti-2098	149	15	std	std	NOUN
ajfti-2098	149	16	.	.	PUNCT
ajfti-2098	150	1	error	error	NOUN
ajfti-2098	150	2	of	of	ADP
ajfti-2098	150	3	the	the	DET
ajfti-2098	150	4	estimate	estimate	NOUN
ajfti-2098	150	5	1	1	NUM
ajfti-2098	150	6	.640a	.640a	PROPN
ajfti-2098	150	7	.409	.409	NUM
ajfti-2098	150	8	.404	.404	NUM
ajfti-2098	150	9	1.50753	1.50753	NUM
ajfti-2098	150	10	a.	a.	NOUN
ajfti-2098	150	11	predictors	predictor	NOUN
ajfti-2098	150	12	:	:	PUNCT
ajfti-2098	150	13	(	(	PUNCT
ajfti-2098	150	14	constant	constant	ADJ
ajfti-2098	150	15	)	)	PUNCT
ajfti-2098	150	16	,	,	PUNCT
ajfti-2098	150	17	pr	pr	NOUN
ajfti-2098	150	18	,	,	PUNCT
ajfti-2098	150	19	ci	ci	PROPN
ajfti-2098	150	20	,	,	PUNCT
ajfti-2098	150	21	ift	ift	PROPN
ajfti-2098	150	22	anovaa	anovaa	PROPN
ajfti-2098	150	23	model	model	PROPN
ajfti-2098	150	24	sum	sum	NOUN
ajfti-2098	150	25	of	of	ADP
ajfti-2098	150	26	squares	square	NOUN
ajfti-2098	150	27	df	df	PROPN
ajfti-2098	150	28	mean	mean	PROPN
ajfti-2098	150	29	square	square	PROPN
ajfti-2098	150	30	f	f	PROPN
ajfti-2098	150	31	sig	sig	PROPN
ajfti-2098	150	32	.	.	PROPN
ajfti-2098	150	33	1	1	NUM
ajfti-2098	150	34	regression	regression	VERB
ajfti-2098	150	35	497.397	497.397	NUM
ajfti-2098	150	36	3	3	NUM
ajfti-2098	150	37	165.799	165.799	NUM
ajfti-2098	150	38	72.954	72.954	NUM
ajfti-2098	150	39	.000b	.000b	PROPN
ajfti-2098	150	40	residual	residual	ADJ
ajfti-2098	150	41	718.153	718.153	NUM
ajfti-2098	150	42	316	316	NUM
ajfti-2098	150	43	2.273	2.273	NUM
ajfti-2098	150	44	total	total	NOUN
ajfti-2098	150	45	1215.550	1215.550	NUM
ajfti-2098	150	46	319	319	NUM
ajfti-2098	150	47	a.	a.	NOUN
ajfti-2098	150	48	dependent	dependent	ADJ
ajfti-2098	150	49	variable	variable	NOUN
ajfti-2098	150	50	:	:	PUNCT
ajfti-2098	150	51	fip	fip	PROPN
ajfti-2098	150	52	b.	b.	PROPN
ajfti-2098	150	53	predictors	predictor	NOUN
ajfti-2098	150	54	:	:	PUNCT
ajfti-2098	150	55	(	(	PUNCT
ajfti-2098	150	56	constant	constant	ADJ
ajfti-2098	150	57	)	)	PUNCT
ajfti-2098	150	58	,	,	PUNCT
ajfti-2098	150	59	pr	pr	NOUN
ajfti-2098	150	60	,	,	PUNCT
ajfti-2098	150	61	ci	ci	PROPN
ajfti-2098	150	62	,	,	PUNCT
ajfti-2098	150	63	ift	ift	NOUN
ajfti-2098	150	64	discussion	discussion	NOUN
ajfti-2098	150	65	the	the	DET
ajfti-2098	150	66	study	study	NOUN
ajfti-2098	150	67	’s	’s	PART
ajfti-2098	150	68	findings	finding	NOUN
ajfti-2098	150	69	provide	provide	VERB
ajfti-2098	150	70	significant	significant	ADJ
ajfti-2098	150	71	insights	insight	NOUN
ajfti-2098	150	72	into	into	ADP
ajfti-2098	150	73	the	the	DET
ajfti-2098	150	74	perspectives	perspective	NOUN
ajfti-2098	150	75	of	of	ADP
ajfti-2098	150	76	experts	expert	NOUN
ajfti-2098	150	77	in	in	ADP
ajfti-2098	150	78	qatar	qatar	PROPN
ajfti-2098	150	79	’s	’s	PART
ajfti-2098	150	80	takaful	takaful	ADJ
ajfti-2098	150	81	insurance	insurance	NOUN
ajfti-2098	150	82	and	and	CCONJ
ajfti-2098	150	83	fintech	fintech	NOUN
ajfti-2098	150	84	sectors	sector	NOUN
ajfti-2098	150	85	,	,	PUNCT
ajfti-2098	150	86	illuminating	illuminate	VERB
ajfti-2098	150	87	the	the	DET
ajfti-2098	150	88	integration	integration	NOUN
ajfti-2098	150	89	of	of	ADP
ajfti-2098	150	90	fintech	fintech	NOUN
ajfti-2098	150	91	in	in	ADP
ajfti-2098	150	92	the	the	DET
ajfti-2098	150	93	takaful	takaful	ADJ
ajfti-2098	150	94	insurance	insurance	NOUN
ajfti-2098	150	95	market	market	NOUN
ajfti-2098	150	96	and	and	CCONJ
ajfti-2098	150	97	its	its	PRON
ajfti-2098	150	98	consequent	consequent	ADJ
ajfti-2098	150	99	influence	influence	NOUN
ajfti-2098	150	100	on	on	ADP
ajfti-2098	150	101	profitability	profitability	NOUN
ajfti-2098	150	102	and	and	CCONJ
ajfti-2098	150	103	industry	industry	NOUN
ajfti-2098	150	104	promotion	promotion	NOUN
ajfti-2098	150	105	.	.	PUNCT
ajfti-2098	151	1	these	these	DET
ajfti-2098	151	2	findings	finding	NOUN
ajfti-2098	151	3	are	be	AUX
ajfti-2098	151	4	crucial	crucial	ADJ
ajfti-2098	151	5	because	because	SCONJ
ajfti-2098	151	6	they	they	PRON
ajfti-2098	151	7	thoroughly	thoroughly	ADV
ajfti-2098	151	8	grasp	grasp	VERB
ajfti-2098	151	9	the	the	DET
ajfti-2098	151	10	dynamics	dynamic	NOUN
ajfti-2098	151	11	in	in	ADP
ajfti-2098	151	12	this	this	DET
ajfti-2098	151	13	expanding	expand	VERB
ajfti-2098	151	14	sector	sector	NOUN
ajfti-2098	151	15	.	.	PUNCT
ajfti-2098	152	1	one	one	NUM
ajfti-2098	152	2	of	of	ADP
ajfti-2098	152	3	the	the	DET
ajfti-2098	152	4	interesting	interesting	ADJ
ajfti-2098	152	5	discoveries	discovery	NOUN
ajfti-2098	152	6	is	be	AUX
ajfti-2098	152	7	the	the	DET
ajfti-2098	152	8	respondents	respondent	NOUN
ajfti-2098	152	9	’	’	PART
ajfti-2098	152	10	experience	experience	NOUN
ajfti-2098	152	11	and	and	CCONJ
ajfti-2098	152	12	involvement	involvement	NOUN
ajfti-2098	152	13	in	in	ADP
ajfti-2098	152	14	the	the	DET
ajfti-2098	152	15	research	research	NOUN
ajfti-2098	152	16	.	.	PUNCT
ajfti-2098	153	1	the	the	DET
ajfti-2098	153	2	study	study	NOUN
ajfti-2098	153	3	includes	include	VERB
ajfti-2098	153	4	experts	expert	NOUN
ajfti-2098	153	5	from	from	ADP
ajfti-2098	153	6	both	both	CCONJ
ajfti-2098	153	7	the	the	DET
ajfti-2098	153	8	takaful	takaful	ADJ
ajfti-2098	153	9	insurance	insurance	NOUN
ajfti-2098	153	10	and	and	CCONJ
ajfti-2098	153	11	fintech	fintech	NOUN
ajfti-2098	153	12	industries	industry	NOUN
ajfti-2098	153	13	,	,	PUNCT
ajfti-2098	153	14	with	with	ADP
ajfti-2098	153	15	the	the	DET
ajfti-2098	153	16	majority	majority	NOUN
ajfti-2098	153	17	(	(	PUNCT
ajfti-2098	153	18	58.4	58.4	NUM
ajfti-2098	153	19	%	%	NOUN
ajfti-2098	153	20	)	)	PUNCT
ajfti-2098	153	21	involved	involve	VERB
ajfti-2098	153	22	with	with	ADP
ajfti-2098	153	23	takaful	takaful	ADJ
ajfti-2098	153	24	insurance	insurance	NOUN
ajfti-2098	153	25	and	and	CCONJ
ajfti-2098	153	26	the	the	DET
ajfti-2098	153	27	remainder	remainder	NOUN
ajfti-2098	153	28	41.6	41.6	NUM
ajfti-2098	153	29	%	%	NOUN
ajfti-2098	153	30	associated	associate	VERB
ajfti-2098	153	31	with	with	ADP
ajfti-2098	153	32	fintech	fintech	NOUN
ajfti-2098	153	33	.	.	PUNCT
ajfti-2098	154	1	this	this	DET
ajfti-2098	154	2	broad	broad	ADJ
ajfti-2098	154	3	distribution	distribution	NOUN
ajfti-2098	154	4	reflects	reflect	VERB
ajfti-2098	154	5	the	the	DET
ajfti-2098	154	6	industry	industry	NOUN
ajfti-2098	154	7	’s	’s	PART
ajfti-2098	154	8	collaborative	collaborative	ADJ
ajfti-2098	154	9	approach	approach	NOUN
ajfti-2098	154	10	.	.	PUNCT
ajfti-2098	155	1	it	it	PRON
ajfti-2098	155	2	was	be	AUX
ajfti-2098	155	3	also	also	ADV
ajfti-2098	155	4	discovered	discover	VERB
ajfti-2098	155	5	that	that	SCONJ
ajfti-2098	155	6	92.8	92.8	NUM
ajfti-2098	155	7	%	%	NOUN
ajfti-2098	155	8	of	of	ADP
ajfti-2098	155	9	responders	responder	NOUN
ajfti-2098	155	10	had	have	VERB
ajfti-2098	155	11	a	a	DET
ajfti-2098	155	12	decade	decade	NOUN
ajfti-2098	155	13	or	or	CCONJ
ajfti-2098	155	14	less	less	ADJ
ajfti-2098	155	15	of	of	ADP
ajfti-2098	155	16	experience	experience	NOUN
ajfti-2098	155	17	,	,	PUNCT
ajfti-2098	155	18	with	with	ADP
ajfti-2098	155	19	38.8	38.8	NUM
ajfti-2098	155	20	%	%	NOUN
ajfti-2098	155	21	having	have	VERB
ajfti-2098	155	22	less	less	ADJ
ajfti-2098	155	23	than	than	ADP
ajfti-2098	155	24	a	a	PRON
ajfti-2098	155	25	year	year	NOUN
ajfti-2098	155	26	.	.	PUNCT
ajfti-2098	156	1	this	this	DET
ajfti-2098	156	2	range	range	NOUN
ajfti-2098	156	3	of	of	ADP
ajfti-2098	156	4	experience	experience	NOUN
ajfti-2098	156	5	is	be	AUX
ajfti-2098	156	6	critical	critical	ADJ
ajfti-2098	156	7	for	for	ADP
ajfti-2098	156	8	understanding	understand	VERB
ajfti-2098	156	9	how	how	SCONJ
ajfti-2098	156	10	professionals	professional	NOUN
ajfti-2098	156	11	at	at	ADP
ajfti-2098	156	12	different	different	ADJ
ajfti-2098	156	13	career	career	NOUN
ajfti-2098	156	14	phases	phase	NOUN
ajfti-2098	156	15	evaluate	evaluate	VERB
ajfti-2098	156	16	fintech	fintech	NOUN
ajfti-2098	156	17	’s	’s	PART
ajfti-2098	156	18	influence	influence	NOUN
ajfti-2098	156	19	on	on	ADP
ajfti-2098	156	20	takaful	takaful	ADJ
ajfti-2098	156	21	insurance	insurance	NOUN
ajfti-2098	156	22	(	(	PUNCT
ajfti-2098	156	23	barberis	barberis	PROPN
ajfti-2098	156	24	et	et	PROPN
ajfti-2098	156	25	al	al	PROPN
ajfti-2098	156	26	.	.	PROPN
ajfti-2098	156	27	,	,	PUNCT
ajfti-2098	156	28	2019	2019	NUM
ajfti-2098	156	29	)	)	PUNCT
ajfti-2098	156	30	.	.	PUNCT
ajfti-2098	157	1	in	in	ADP
ajfti-2098	157	2	terms	term	NOUN
ajfti-2098	157	3	of	of	ADP
ajfti-2098	157	4	the	the	DET
ajfti-2098	157	5	integration	integration	NOUN
ajfti-2098	157	6	of	of	ADP
ajfti-2098	157	7	fintech	fintech	NOUN
ajfti-2098	157	8	in	in	ADP
ajfti-2098	157	9	the	the	DET
ajfti-2098	157	10	takaful	takaful	ADJ
ajfti-2098	157	11	insurance	insurance	NOUN
ajfti-2098	157	12	industry	industry	NOUN
ajfti-2098	157	13	of	of	ADP
ajfti-2098	157	14	qatar	qatar	PROPN
ajfti-2098	157	15	,	,	PUNCT
ajfti-2098	157	16	the	the	DET
ajfti-2098	157	17	findings	finding	NOUN
ajfti-2098	157	18	are	be	AUX
ajfti-2098	157	19	generally	generally	ADV
ajfti-2098	157	20	positive	positive	ADJ
ajfti-2098	157	21	.	.	PUNCT
ajfti-2098	158	1	a	a	DET
ajfti-2098	158	2	substantial	substantial	ADJ
ajfti-2098	158	3	percentage	percentage	NOUN
ajfti-2098	158	4	of	of	ADP
ajfti-2098	158	5	respondents	respondent	NOUN
ajfti-2098	158	6	(	(	PUNCT
ajfti-2098	158	7	85.9	85.9	NUM
ajfti-2098	158	8	%	%	NOUN
ajfti-2098	158	9	)	)	PUNCT
ajfti-2098	158	10	believe	believe	VERB
ajfti-2098	158	11	that	that	SCONJ
ajfti-2098	158	12	the	the	DET
ajfti-2098	158	13	regulatory	regulatory	ADJ
ajfti-2098	158	14	climate	climate	NOUN
ajfti-2098	158	15	in	in	ADP
ajfti-2098	158	16	qatar	qatar	PROPN
ajfti-2098	158	17	is	be	AUX
ajfti-2098	158	18	conducive	conducive	ADJ
ajfti-2098	158	19	to	to	ADP
ajfti-2098	158	20	fintech	fintech	NOUN
ajfti-2098	158	21	integration	integration	NOUN
ajfti-2098	158	22	.	.	PUNCT
ajfti-2098	159	1	this	this	DET
ajfti-2098	159	2	perception	perception	NOUN
ajfti-2098	159	3	reflects	reflect	VERB
ajfti-2098	159	4	the	the	DET
ajfti-2098	159	5	significant	significant	ADJ
ajfti-2098	159	6	regulatory	regulatory	ADJ
ajfti-2098	159	7	support	support	NOUN
ajfti-2098	159	8	for	for	ADP
ajfti-2098	159	9	fintech	fintech	NOUN
ajfti-2098	159	10	initiatives	initiative	NOUN
ajfti-2098	159	11	in	in	ADP
ajfti-2098	159	12	the	the	DET
ajfti-2098	159	13	country	country	NOUN
ajfti-2098	159	14	.	.	PUNCT
ajfti-2098	160	1	moreover	moreover	ADV
ajfti-2098	160	2	,	,	PUNCT
ajfti-2098	160	3	84.1	84.1	NUM
ajfti-2098	160	4	%	%	NOUN
ajfti-2098	160	5	of	of	ADP
ajfti-2098	160	6	respondents	respondent	NOUN
ajfti-2098	160	7	perceive	perceive	ADJ
ajfti-2098	160	8	financial	financial	ADJ
ajfti-2098	160	9	institutions	institution	NOUN
ajfti-2098	160	10	and	and	CCONJ
ajfti-2098	160	11	takaful	takaful	ADJ
ajfti-2098	160	12	insurance	insurance	NOUN
ajfti-2098	160	13	companies	company	NOUN
ajfti-2098	160	14	as	as	ADP
ajfti-2098	160	15	proactive	proactive	ADJ
ajfti-2098	160	16	in	in	ADP
ajfti-2098	160	17	their	their	PRON
ajfti-2098	160	18	adoption	adoption	NOUN
ajfti-2098	160	19	of	of	ADP
ajfti-2098	160	20	fintech	fintech	NOUN
ajfti-2098	160	21	technologies	technology	NOUN
ajfti-2098	160	22	.	.	PUNCT
ajfti-2098	161	1	the	the	DET
ajfti-2098	161	2	study	study	NOUN
ajfti-2098	161	3	by	by	ADP
ajfti-2098	161	4	alam	alam	PROPN
ajfti-2098	161	5	et	et	PROPN
ajfti-2098	161	6	al	al	PROPN
ajfti-2098	161	7	.	.	PROPN
ajfti-2098	161	8	(	(	PUNCT
ajfti-2098	161	9	2019	2019	NUM
ajfti-2098	161	10	)	)	PUNCT
ajfti-2098	161	11	is	be	AUX
ajfti-2098	161	12	also	also	ADV
ajfti-2098	161	13	evidence	evidence	NOUN
ajfti-2098	161	14	of	of	ADP
ajfti-2098	161	15	a	a	DET
ajfti-2098	161	16	proactive	proactive	ADJ
ajfti-2098	161	17	stance	stance	NOUN
ajfti-2098	161	18	,	,	PUNCT
ajfti-2098	161	19	indicating	indicate	VERB
ajfti-2098	161	20	a	a	DET
ajfti-2098	161	21	readiness	readiness	NOUN
ajfti-2098	161	22	to	to	PART
ajfti-2098	161	23	embrace	embrace	VERB
ajfti-2098	161	24	technological	technological	ADJ
ajfti-2098	161	25	advancements	advancement	NOUN
ajfti-2098	161	26	within	within	ADP
ajfti-2098	161	27	the	the	DET
ajfti-2098	161	28	industry	industry	NOUN
ajfti-2098	161	29	.	.	PUNCT
ajfti-2098	162	1	additionally	additionally	ADV
ajfti-2098	162	2	,	,	PUNCT
ajfti-2098	162	3	84.7	84.7	NUM
ajfti-2098	162	4	%	%	NOUN
ajfti-2098	162	5	of	of	ADP
ajfti-2098	162	6	respondents	respondent	NOUN
ajfti-2098	162	7	acknowledge	acknowledge	VERB
ajfti-2098	162	8	a	a	DET
ajfti-2098	162	9	strong	strong	ADJ
ajfti-2098	162	10	relationship	relationship	NOUN
ajfti-2098	162	11	between	between	ADP
ajfti-2098	162	12	fintech	fintech	NOUN
ajfti-2098	162	13	companies	company	NOUN
ajfti-2098	162	14	and	and	CCONJ
ajfti-2098	162	15	the	the	DET
ajfti-2098	162	16	takaful	takaful	ADJ
ajfti-2098	162	17	business	business	NOUN
ajfti-2098	162	18	,	,	PUNCT
ajfti-2098	162	19	highlighting	highlight	VERB
ajfti-2098	162	20	collaborative	collaborative	ADJ
ajfti-2098	162	21	efforts	effort	NOUN
ajfti-2098	162	22	for	for	ADP
ajfti-2098	162	23	innovation	innovation	NOUN
ajfti-2098	162	24	.	.	PUNCT
ajfti-2098	163	1	the	the	DET
ajfti-2098	163	2	positive	positive	ADJ
ajfti-2098	163	3	perception	perception	NOUN
ajfti-2098	163	4	of	of	ADP
ajfti-2098	163	5	such	such	ADJ
ajfti-2098	163	6	collaboration	collaboration	NOUN
ajfti-2098	163	7	underscores	underscore	VERB
ajfti-2098	163	8	the	the	DET
ajfti-2098	163	9	industry	industry	NOUN
ajfti-2098	163	10	’s	’s	PART
ajfti-2098	163	11	recognition	recognition	NOUN
ajfti-2098	163	12	of	of	ADP
ajfti-2098	163	13	fintech	fintech	NOUN
ajfti-2098	163	14	’s	’s	PART
ajfti-2098	163	15	potential	potential	NOUN
ajfti-2098	163	16	(	(	PUNCT
ajfti-2098	163	17	alam	alam	PROPN
ajfti-2098	163	18	,	,	PUNCT
ajfti-2098	163	19	2019	2019	NUM
ajfti-2098	163	20	;	;	PUNCT
ajfti-2098	163	21	anifa	anifa	NOUN
ajfti-2098	163	22	et	et	PROPN
ajfti-2098	163	23	al	al	PROPN
ajfti-2098	163	24	.	.	PROPN
ajfti-2098	163	25	,	,	PUNCT
ajfti-2098	163	26	2022	2022	NUM
ajfti-2098	163	27	)	)	PUNCT
ajfti-2098	163	28	.	.	PUNCT
ajfti-2098	164	1	however	however	ADV
ajfti-2098	164	2	,	,	PUNCT
ajfti-2098	164	3	the	the	DET
ajfti-2098	164	4	study	study	NOUN
ajfti-2098	164	5	also	also	ADV
ajfti-2098	164	6	revealed	reveal	VERB
ajfti-2098	164	7	certain	certain	ADJ
ajfti-2098	164	8	challenges	challenge	NOUN
ajfti-2098	164	9	associated	associate	VERB
ajfti-2098	164	10	with	with	ADP
ajfti-2098	164	11	fintech	fintech	NOUN
ajfti-2098	164	12	integration	integration	NOUN
ajfti-2098	164	13	in	in	ADP
ajfti-2098	164	14	qatar	qatar	PROPN
ajfti-2098	164	15	’s	’s	PART
ajfti-2098	164	16	takaful	takaful	ADJ
ajfti-2098	164	17	insurance	insurance	NOUN
ajfti-2098	164	18	sector	sector	NOUN
ajfti-2098	164	19	.	.	PUNCT
ajfti-2098	165	1	notably	notably	ADV
ajfti-2098	165	2	,	,	PUNCT
ajfti-2098	165	3	82.5	82.5	NUM
ajfti-2098	165	4	%	%	NOUN
ajfti-2098	165	5	of	of	ADP
ajfti-2098	165	6	respondents	respondent	NOUN
ajfti-2098	165	7	consider	consider	VERB
ajfti-2098	165	8	regulatory	regulatory	ADJ
ajfti-2098	165	9	hurdles	hurdle	NOUN
ajfti-2098	165	10	and	and	CCONJ
ajfti-2098	165	11	compliance	compliance	NOUN
ajfti-2098	165	12	requirements	requirement	NOUN
ajfti-2098	165	13	to	to	PART
ajfti-2098	165	14	be	be	AUX
ajfti-2098	165	15	significant	significant	ADJ
ajfti-2098	165	16	obstacles	obstacle	NOUN
ajfti-2098	165	17	.	.	PUNCT
ajfti-2098	166	1	understanding	understand	VERB
ajfti-2098	166	2	this	this	PRON
ajfti-2098	166	3	from	from	ADP
ajfti-2098	166	4	the	the	DET
ajfti-2098	166	5	lens	lens	NOUN
ajfti-2098	166	6	of	of	ADP
ajfti-2098	166	7	alshater	alshater	NOUN
ajfti-2098	166	8	et	et	PROPN
ajfti-2098	166	9	al	al	PROPN
ajfti-2098	166	10	.	.	PROPN
ajfti-2098	167	1	(	(	PUNCT
ajfti-2098	167	2	2022	2022	NUM
ajfti-2098	167	3	)	)	PUNCT
ajfti-2098	167	4	underscores	underscore	VERB
ajfti-2098	167	5	the	the	DET
ajfti-2098	167	6	importance	importance	NOUN
ajfti-2098	167	7	of	of	ADP
ajfti-2098	167	8	streamlining	streamline	VERB
ajfti-2098	167	9	regulations	regulation	NOUN
ajfti-2098	167	10	to	to	PART
ajfti-2098	167	11	facilitate	facilitate	VERB
ajfti-2098	167	12	smoother	smooth	ADJ
ajfti-2098	167	13	integration	integration	NOUN
ajfti-2098	167	14	(	(	PUNCT
ajfti-2098	167	15	alshater	alshater	NOUN
ajfti-2098	167	16	et	et	PROPN
ajfti-2098	167	17	al	al	PROPN
ajfti-2098	167	18	.	.	PROPN
ajfti-2098	167	19	,	,	PUNCT
ajfti-2098	167	20	2022	2022	NUM
ajfti-2098	167	21	)	)	PUNCT
ajfti-2098	167	22	.	.	PUNCT
ajfti-2098	168	1	additionally	additionally	ADV
ajfti-2098	168	2	,	,	PUNCT
ajfti-2098	168	3	82.2	82.2	NUM
ajfti-2098	168	4	%	%	NOUN
ajfti-2098	168	5	of	of	ADP
ajfti-2098	168	6	respondents	respondent	NOUN
ajfti-2098	168	7	recognize	recognize	VERB
ajfti-2098	168	8	cybersecurity	cybersecurity	NOUN
ajfti-2098	168	9	and	and	CCONJ
ajfti-2098	168	10	data	datum	NOUN
ajfti-2098	168	11	privacy	privacy	NOUN
ajfti-2098	168	12	concerns	concern	NOUN
ajfti-2098	168	13	as	as	ADP
ajfti-2098	168	14	key	key	ADJ
ajfti-2098	168	15	impediments	impediment	NOUN
ajfti-2098	168	16	.	.	PUNCT
ajfti-2098	169	1	addressing	address	VERB
ajfti-2098	169	2	these	these	DET
ajfti-2098	169	3	concerns	concern	NOUN
ajfti-2098	169	4	is	be	AUX
ajfti-2098	169	5	essential	essential	ADJ
ajfti-2098	169	6	for	for	ADP
ajfti-2098	169	7	building	build	VERB
ajfti-2098	169	8	trust	trust	NOUN
ajfti-2098	169	9	in	in	ADP
ajfti-2098	169	10	fintech	fintech	NOUN
ajfti-2098	169	11	solutions	solution	NOUN
ajfti-2098	169	12	.	.	PUNCT
ajfti-2098	170	1	resistance	resistance	NOUN
ajfti-2098	170	2	to	to	PART
ajfti-2098	170	3	change	change	VERB
ajfti-2098	170	4	within	within	ADP
ajfti-2098	170	5	established	establish	VERB
ajfti-2098	170	6	organizational	organizational	ADJ
ajfti-2098	170	7	structures	structure	NOUN
ajfti-2098	170	8	is	be	AUX
ajfti-2098	170	9	another	another	DET
ajfti-2098	170	10	challenge	challenge	NOUN
ajfti-2098	170	11	,	,	PUNCT
ajfti-2098	170	12	as	as	SCONJ
ajfti-2098	170	13	82.8	82.8	NUM
ajfti-2098	170	14	%	%	NOUN
ajfti-2098	170	15	of	of	ADP
ajfti-2098	170	16	participants	participant	NOUN
ajfti-2098	170	17	agree	agree	VERB
ajfti-2098	170	18	.	.	PUNCT
ajfti-2098	171	1	successful	successful	ADJ
ajfti-2098	171	2	fintech	fintech	NOUN
ajfti-2098	171	3	adoption	adoption	NOUN
ajfti-2098	171	4	requires	require	VERB
ajfti-2098	171	5	overcoming	overcome	VERB
ajfti-2098	171	6	this	this	DET
ajfti-2098	171	7	organizational	organizational	ADJ
ajfti-2098	171	8	inertia	inertia	NOUN
ajfti-2098	171	9	.	.	PUNCT
ajfti-2098	172	1	lastly	lastly	ADV
ajfti-2098	172	2	,	,	PUNCT
ajfti-2098	172	3	82.5	82.5	NUM
ajfti-2098	172	4	%	%	NOUN
ajfti-2098	172	5	of	of	ADP
ajfti-2098	172	6	respondents	respondent	NOUN
ajfti-2098	172	7	see	see	VERB
ajfti-2098	172	8	limited	limited	ADJ
ajfti-2098	172	9	access	access	NOUN
ajfti-2098	172	10	to	to	ADP
ajfti-2098	172	11	capital	capital	NOUN
ajfti-2098	172	12	and	and	CCONJ
ajfti-2098	172	13	investment	investment	NOUN
ajfti-2098	172	14	for	for	ADP
ajfti-2098	172	15	fintech	fintech	NOUN
ajfti-2098	172	16	startups	startup	NOUN
ajfti-2098	172	17	as	as	ADP
ajfti-2098	172	18	a	a	DET
ajfti-2098	172	19	barrier	barrier	NOUN
ajfti-2098	172	20	.	.	PUNCT
ajfti-2098	173	1	chishti	chishti	PROPN
ajfti-2098	173	2	,	,	PUNCT
ajfti-2098	173	3	s.	s.	PROPN
ajfti-2098	173	4	,	,	PUNCT
ajfti-2098	173	5	&	&	CCONJ
ajfti-2098	173	6	barberis	barberis	PROPN
ajfti-2098	173	7	(	(	PUNCT
ajfti-2098	173	8	2016	2016	NUM
ajfti-2098	173	9	)	)	PUNCT
ajfti-2098	173	10	stressed	stress	VERB
ajfti-2098	173	11	the	the	DET
ajfti-2098	173	12	need	need	NOUN
ajfti-2098	173	13	to	to	PART
ajfti-2098	173	14	enhance	enhance	VERB
ajfti-2098	173	15	financial	financial	ADJ
ajfti-2098	173	16	support	support	NOUN
ajfti-2098	173	17	for	for	ADP
ajfti-2098	173	18	innovation	innovation	NOUN
ajfti-2098	173	19	in	in	ADP
ajfti-2098	173	20	the	the	DET
ajfti-2098	173	21	takaful	takaful	ADJ
ajfti-2098	173	22	insurance	insurance	NOUN
ajfti-2098	173	23	market	market	NOUN
ajfti-2098	173	24	(	(	PUNCT
ajfti-2098	173	25	chishti	chishti	PROPN
ajfti-2098	173	26	&	&	CCONJ
ajfti-2098	173	27	barberis	barberis	PROPN
ajfti-2098	173	28	,	,	PUNCT
ajfti-2098	173	29	2016	2016	NUM
ajfti-2098	173	30	)	)	PUNCT
ajfti-2098	173	31	.	.	PUNCT
ajfti-2098	174	1	pa	pa	PROPN
ajfti-2098	174	2	ge	ge	PROPN
ajfti-2098	174	3	22	22	NUM
ajfti-2098	174	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2098	174	5	am	be	AUX
ajfti-2098	174	6	.	.	PUNCT
ajfti-2098	175	1	j.	j.	PROPN
ajfti-2098	175	2	financ	financ	PROPN
ajfti-2098	175	3	.	.	PUNCT
ajfti-2098	176	1	technol	technol	PROPN
ajfti-2098	176	2	.	.	PUNCT
ajfti-2098	176	3	innov	innov	PROPN
ajfti-2098	176	4	.	.	PUNCT
ajfti-2098	177	1	1(1	1(1	NUM
ajfti-2098	177	2	)	)	PUNCT
ajfti-2098	177	3	15	15	NUM
ajfti-2098	177	4	-	-	SYM
ajfti-2098	177	5	23	23	NUM
ajfti-2098	177	6	,	,	PUNCT
ajfti-2098	177	7	2023	2023	NUM
ajfti-2098	177	8	one	one	NUM
ajfti-2098	177	9	of	of	ADP
ajfti-2098	177	10	the	the	DET
ajfti-2098	177	11	most	most	ADV
ajfti-2098	177	12	significant	significant	ADJ
ajfti-2098	177	13	findings	finding	NOUN
ajfti-2098	177	14	of	of	ADP
ajfti-2098	177	15	the	the	DET
ajfti-2098	177	16	study	study	NOUN
ajfti-2098	177	17	relates	relate	VERB
ajfti-2098	177	18	to	to	ADP
ajfti-2098	177	19	the	the	DET
ajfti-2098	177	20	increase	increase	NOUN
ajfti-2098	177	21	in	in	ADP
ajfti-2098	177	22	profitability	profitability	NOUN
ajfti-2098	177	23	of	of	ADP
ajfti-2098	177	24	the	the	DET
ajfti-2098	177	25	takaful	takaful	ADJ
ajfti-2098	177	26	insurance	insurance	NOUN
ajfti-2098	177	27	industry	industry	NOUN
ajfti-2098	177	28	through	through	ADP
ajfti-2098	177	29	fintech	fintech	NOUN
ajfti-2098	177	30	integration	integration	NOUN
ajfti-2098	177	31	.	.	PUNCT
ajfti-2098	178	1	an	an	DET
ajfti-2098	178	2	overwhelming	overwhelming	ADJ
ajfti-2098	178	3	majority	majority	NOUN
ajfti-2098	178	4	(	(	PUNCT
ajfti-2098	178	5	91.3	91.3	NUM
ajfti-2098	178	6	%	%	NOUN
ajfti-2098	178	7	)	)	PUNCT
ajfti-2098	178	8	of	of	ADP
ajfti-2098	178	9	respondents	respondent	NOUN
ajfti-2098	178	10	believe	believe	VERB
ajfti-2098	178	11	that	that	SCONJ
ajfti-2098	178	12	fintech	fintech	NOUN
ajfti-2098	178	13	adoption	adoption	NOUN
ajfti-2098	178	14	has	have	AUX
ajfti-2098	178	15	led	lead	VERB
ajfti-2098	178	16	to	to	ADP
ajfti-2098	178	17	a	a	DET
ajfti-2098	178	18	substantial	substantial	ADJ
ajfti-2098	178	19	increase	increase	NOUN
ajfti-2098	178	20	in	in	ADP
ajfti-2098	178	21	profitability	profitability	NOUN
ajfti-2098	178	22	.	.	PUNCT
ajfti-2098	179	1	this	this	DET
ajfti-2098	179	2	finding	finding	NOUN
ajfti-2098	179	3	strongly	strongly	ADV
ajfti-2098	179	4	supports	support	VERB
ajfti-2098	179	5	the	the	DET
ajfti-2098	179	6	idea	idea	NOUN
ajfti-2098	179	7	that	that	SCONJ
ajfti-2098	179	8	fintech	fintech	NOUN
ajfti-2098	179	9	technologies	technology	NOUN
ajfti-2098	179	10	contribute	contribute	VERB
ajfti-2098	179	11	significantly	significantly	ADV
ajfti-2098	179	12	to	to	ADP
ajfti-2098	179	13	financial	financial	ADJ
ajfti-2098	179	14	advantages	advantage	NOUN
ajfti-2098	179	15	in	in	ADP
ajfti-2098	179	16	the	the	DET
ajfti-2098	179	17	sector	sector	NOUN
ajfti-2098	179	18	.	.	PUNCT
ajfti-2098	180	1	additionally	additionally	ADV
ajfti-2098	180	2	,	,	PUNCT
ajfti-2098	180	3	84.4	84.4	NUM
ajfti-2098	180	4	%	%	NOUN
ajfti-2098	180	5	of	of	ADP
ajfti-2098	180	6	respondents	respondent	NOUN
ajfti-2098	180	7	recognize	recognize	VERB
ajfti-2098	180	8	fintech	fintech	NOUN
ajfti-2098	180	9	’s	’s	PART
ajfti-2098	180	10	role	role	NOUN
ajfti-2098	180	11	in	in	ADP
ajfti-2098	180	12	improving	improve	VERB
ajfti-2098	180	13	operational	operational	ADJ
ajfti-2098	180	14	efficiency	efficiency	NOUN
ajfti-2098	180	15	,	,	PUNCT
ajfti-2098	180	16	reducing	reduce	VERB
ajfti-2098	180	17	costs	cost	NOUN
ajfti-2098	180	18	,	,	PUNCT
ajfti-2098	180	19	and	and	CCONJ
ajfti-2098	180	20	ultimately	ultimately	ADV
ajfti-2098	180	21	increasing	increase	VERB
ajfti-2098	180	22	profits	profit	NOUN
ajfti-2098	180	23	.	.	PUNCT
ajfti-2098	181	1	this	this	PRON
ajfti-2098	181	2	aligns	align	VERB
ajfti-2098	181	3	with	with	ADP
ajfti-2098	181	4	the	the	DET
ajfti-2098	181	5	industry	industry	NOUN
ajfti-2098	181	6	’s	’s	PART
ajfti-2098	181	7	recognition	recognition	NOUN
ajfti-2098	181	8	of	of	ADP
ajfti-2098	181	9	the	the	DET
ajfti-2098	181	10	operational	operational	ADJ
ajfti-2098	181	11	benefits	benefit	NOUN
ajfti-2098	181	12	of	of	ADP
ajfti-2098	181	13	fintech	fintech	NOUN
ajfti-2098	181	14	adoption	adoption	NOUN
ajfti-2098	181	15	(	(	PUNCT
ajfti-2098	181	16	zalan	zalan	NOUN
ajfti-2098	181	17	&	&	CCONJ
ajfti-2098	181	18	toufaily	toufaily	ADV
ajfti-2098	181	19	,	,	PUNCT
ajfti-2098	181	20	2017	2017	NUM
ajfti-2098	181	21	)	)	PUNCT
ajfti-2098	181	22	.	.	PUNCT
ajfti-2098	182	1	furthermore	furthermore	ADV
ajfti-2098	182	2	,	,	PUNCT
ajfti-2098	182	3	84.4	84.4	NUM
ajfti-2098	182	4	%	%	NOUN
ajfti-2098	182	5	of	of	ADP
ajfti-2098	182	6	respondents	respondent	NOUN
ajfti-2098	182	7	acknowledge	acknowledge	VERB
ajfti-2098	182	8	fintech	fintech	NOUN
ajfti-2098	182	9	’s	’s	PART
ajfti-2098	182	10	capacity	capacity	NOUN
ajfti-2098	182	11	to	to	PART
ajfti-2098	182	12	facilitate	facilitate	VERB
ajfti-2098	182	13	personalized	personalized	ADJ
ajfti-2098	182	14	insurance	insurance	NOUN
ajfti-2098	182	15	solutions	solution	NOUN
ajfti-2098	182	16	,	,	PUNCT
ajfti-2098	182	17	contributing	contribute	VERB
ajfti-2098	182	18	to	to	ADP
ajfti-2098	182	19	increased	increase	VERB
ajfti-2098	182	20	customer	customer	NOUN
ajfti-2098	182	21	retention	retention	NOUN
ajfti-2098	182	22	and	and	CCONJ
ajfti-2098	182	23	profitability	profitability	NOUN
ajfti-2098	182	24	.	.	PUNCT
ajfti-2098	183	1	the	the	DET
ajfti-2098	183	2	emphasis	emphasis	NOUN
ajfti-2098	183	3	on	on	ADP
ajfti-2098	183	4	personalized	personalized	ADJ
ajfti-2098	183	5	offerings	offering	NOUN
ajfti-2098	183	6	underscores	underscore	VERB
ajfti-2098	183	7	the	the	DET
ajfti-2098	183	8	customer	customer	NOUN
ajfti-2098	183	9	-	-	PUNCT
ajfti-2098	183	10	centric	centric	NOUN
ajfti-2098	183	11	advantages	advantage	NOUN
ajfti-2098	183	12	of	of	ADP
ajfti-2098	183	13	fintech	fintech	NOUN
ajfti-2098	183	14	.	.	PUNCT
ajfti-2098	184	1	lastly	lastly	ADV
ajfti-2098	184	2	,	,	PUNCT
ajfti-2098	184	3	88.1	88.1	NUM
ajfti-2098	184	4	%	%	NOUN
ajfti-2098	184	5	of	of	ADP
ajfti-2098	184	6	respondents	respondent	NOUN
ajfti-2098	184	7	agree	agree	VERB
ajfti-2098	184	8	that	that	SCONJ
ajfti-2098	184	9	fintech	fintech	NOUN
ajfti-2098	184	10	-	-	PUNCT
ajfti-2098	184	11	driven	drive	VERB
ajfti-2098	184	12	analytics	analytic	NOUN
ajfti-2098	184	13	and	and	CCONJ
ajfti-2098	184	14	data	datum	NOUN
ajfti-2098	184	15	insights	insight	NOUN
ajfti-2098	184	16	are	be	AUX
ajfti-2098	184	17	critical	critical	ADJ
ajfti-2098	184	18	in	in	ADP
ajfti-2098	184	19	discovering	discover	VERB
ajfti-2098	184	20	development	development	NOUN
ajfti-2098	184	21	prospects	prospect	NOUN
ajfti-2098	184	22	and	and	CCONJ
ajfti-2098	184	23	optimizing	optimize	VERB
ajfti-2098	184	24	income	income	NOUN
ajfti-2098	184	25	streams	stream	NOUN
ajfti-2098	184	26	.	.	PUNCT
ajfti-2098	185	1	as	as	ADP
ajfti-2098	185	2	shah	shah	PROPN
ajfti-2098	185	3	et	et	PROPN
ajfti-2098	185	4	al	al	PROPN
ajfti-2098	185	5	.	.	PROPN
ajfti-2098	186	1	(	(	PUNCT
ajfti-2098	186	2	2020	2020	NUM
ajfti-2098	186	3	)	)	PUNCT
ajfti-2098	186	4	point	point	VERB
ajfti-2098	186	5	out	out	ADP
ajfti-2098	186	6	,	,	PUNCT
ajfti-2098	186	7	integrating	integrate	VERB
ajfti-2098	186	8	financial	financial	ADJ
ajfti-2098	186	9	data	datum	NOUN
ajfti-2098	186	10	and	and	CCONJ
ajfti-2098	186	11	technology	technology	NOUN
ajfti-2098	186	12	(	(	PUNCT
ajfti-2098	186	13	fintech	fintech	NOUN
ajfti-2098	186	14	)	)	PUNCT
ajfti-2098	186	15	sectors	sector	NOUN
ajfti-2098	186	16	is	be	AUX
ajfti-2098	186	17	a	a	DET
ajfti-2098	186	18	possible	possible	ADJ
ajfti-2098	186	19	reason	reason	NOUN
ajfti-2098	186	20	for	for	ADP
ajfti-2098	186	21	sales	sale	NOUN
ajfti-2098	186	22	growth	growth	NOUN
ajfti-2098	186	23	and	and	CCONJ
ajfti-2098	186	24	,	,	PUNCT
ajfti-2098	186	25	eventually	eventually	ADV
ajfti-2098	186	26	,	,	PUNCT
ajfti-2098	186	27	greater	great	ADJ
ajfti-2098	186	28	profit	profit	NOUN
ajfti-2098	186	29	(	(	PUNCT
ajfti-2098	186	30	shah	shah	NOUN
ajfti-2098	186	31	et	et	PROPN
ajfti-2098	186	32	al	al	PROPN
ajfti-2098	186	33	.	.	PROPN
ajfti-2098	186	34	,	,	PUNCT
ajfti-2098	186	35	2022	2022	NUM
ajfti-2098	186	36	)	)	PUNCT
ajfti-2098	186	37	.	.	PUNCT
ajfti-2098	187	1	another	another	DET
ajfti-2098	187	2	critical	critical	ADJ
ajfti-2098	187	3	part	part	NOUN
ajfti-2098	187	4	of	of	ADP
ajfti-2098	187	5	the	the	DET
ajfti-2098	187	6	research	research	NOUN
ajfti-2098	187	7	is	be	AUX
ajfti-2098	187	8	the	the	DET
ajfti-2098	187	9	use	use	NOUN
ajfti-2098	187	10	of	of	ADP
ajfti-2098	187	11	fintech	fintech	NOUN
ajfti-2098	187	12	to	to	PART
ajfti-2098	187	13	promote	promote	VERB
ajfti-2098	187	14	the	the	DET
ajfti-2098	187	15	takaful	takaful	ADJ
ajfti-2098	187	16	insurance	insurance	NOUN
ajfti-2098	187	17	market	market	NOUN
ajfti-2098	187	18	in	in	ADP
ajfti-2098	187	19	qatar	qatar	PROPN
ajfti-2098	187	20	.	.	PUNCT
ajfti-2098	188	1	according	accord	VERB
ajfti-2098	188	2	to	to	ADP
ajfti-2098	188	3	the	the	DET
ajfti-2098	188	4	data	datum	NOUN
ajfti-2098	188	5	,	,	PUNCT
ajfti-2098	188	6	fintech	fintech	NOUN
ajfti-2098	188	7	is	be	AUX
ajfti-2098	188	8	commonly	commonly	ADV
ajfti-2098	188	9	regarded	regard	VERB
ajfti-2098	188	10	as	as	ADP
ajfti-2098	188	11	a	a	DET
ajfti-2098	188	12	key	key	ADJ
ajfti-2098	188	13	contributor	contributor	NOUN
ajfti-2098	188	14	to	to	ADP
ajfti-2098	188	15	the	the	DET
ajfti-2098	188	16	industry	industry	NOUN
ajfti-2098	188	17	’s	’s	PART
ajfti-2098	188	18	promotion	promotion	NOUN
ajfti-2098	188	19	.	.	PUNCT
ajfti-2098	189	1	a	a	DET
ajfti-2098	189	2	significant	significant	ADJ
ajfti-2098	189	3	population	population	NOUN
ajfti-2098	189	4	of	of	ADP
ajfti-2098	189	5	83.4	83.4	NUM
ajfti-2098	189	6	%	%	NOUN
ajfti-2098	189	7	of	of	ADP
ajfti-2098	189	8	respondents	respondent	NOUN
ajfti-2098	189	9	feel	feel	VERB
ajfti-2098	189	10	that	that	SCONJ
ajfti-2098	189	11	fintech	fintech	NOUN
ajfti-2098	189	12	has	have	AUX
ajfti-2098	189	13	played	play	VERB
ajfti-2098	189	14	an	an	DET
ajfti-2098	189	15	important	important	ADJ
ajfti-2098	189	16	role	role	NOUN
ajfti-2098	189	17	in	in	ADP
ajfti-2098	189	18	the	the	DET
ajfti-2098	189	19	advancement	advancement	NOUN
ajfti-2098	189	20	of	of	ADP
ajfti-2098	189	21	the	the	DET
ajfti-2098	189	22	sector	sector	NOUN
ajfti-2098	189	23	.	.	PUNCT
ajfti-2098	190	1	furthermore	furthermore	ADV
ajfti-2098	190	2	,	,	PUNCT
ajfti-2098	190	3	81.9	81.9	NUM
ajfti-2098	190	4	%	%	NOUN
ajfti-2098	190	5	believe	believe	VERB
ajfti-2098	190	6	that	that	SCONJ
ajfti-2098	190	7	fintech	fintech	NOUN
ajfti-2098	190	8	adoption	adoption	NOUN
ajfti-2098	190	9	improves	improve	VERB
ajfti-2098	190	10	consumer	consumer	NOUN
ajfti-2098	190	11	engagement	engagement	NOUN
ajfti-2098	190	12	and	and	CCONJ
ajfti-2098	190	13	trust	trust	NOUN
ajfti-2098	190	14	,	,	PUNCT
ajfti-2098	190	15	both	both	PRON
ajfti-2098	190	16	of	of	ADP
ajfti-2098	190	17	which	which	PRON
ajfti-2098	190	18	are	be	AUX
ajfti-2098	190	19	critical	critical	ADJ
ajfti-2098	190	20	for	for	ADP
ajfti-2098	190	21	industry	industry	NOUN
ajfti-2098	190	22	success	success	NOUN
ajfti-2098	190	23	.	.	PUNCT
ajfti-2098	191	1	the	the	DET
ajfti-2098	191	2	strong	strong	ADJ
ajfti-2098	191	3	consensus	consensus	NOUN
ajfti-2098	191	4	among	among	ADP
ajfti-2098	191	5	professionals	professional	NOUN
ajfti-2098	191	6	presented	present	VERB
ajfti-2098	191	7	in	in	ADP
ajfti-2098	191	8	the	the	DET
ajfti-2098	191	9	current	current	ADJ
ajfti-2098	191	10	study	study	NOUN
ajfti-2098	191	11	highlights	highlight	NOUN
ajfti-2098	191	12	fintech	fintech	NOUN
ajfti-2098	191	13	’s	’s	PART
ajfti-2098	191	14	pivotal	pivotal	ADJ
ajfti-2098	191	15	role	role	NOUN
ajfti-2098	191	16	in	in	ADP
ajfti-2098	191	17	the	the	DET
ajfti-2098	191	18	development	development	NOUN
ajfti-2098	191	19	of	of	ADP
ajfti-2098	191	20	the	the	DET
ajfti-2098	191	21	takaful	takaful	ADJ
ajfti-2098	191	22	sector	sector	NOUN
ajfti-2098	191	23	.	.	PUNCT
ajfti-2098	192	1	the	the	DET
ajfti-2098	192	2	correlation	correlation	NOUN
ajfti-2098	192	3	and	and	CCONJ
ajfti-2098	192	4	regression	regression	NOUN
ajfti-2098	192	5	analyses	analysis	NOUN
ajfti-2098	192	6	conducted	conduct	VERB
ajfti-2098	192	7	in	in	ADP
ajfti-2098	192	8	the	the	DET
ajfti-2098	192	9	study	study	NOUN
ajfti-2098	192	10	provide	provide	VERB
ajfti-2098	192	11	further	further	ADJ
ajfti-2098	192	12	insights	insight	NOUN
ajfti-2098	192	13	into	into	ADP
ajfti-2098	192	14	the	the	DET
ajfti-2098	192	15	relationships	relationship	NOUN
ajfti-2098	192	16	between	between	ADP
ajfti-2098	192	17	various	various	ADJ
ajfti-2098	192	18	factors	factor	NOUN
ajfti-2098	192	19	.	.	PUNCT
ajfti-2098	193	1	significant	significant	ADJ
ajfti-2098	193	2	positive	positive	ADJ
ajfti-2098	193	3	correlations	correlation	NOUN
ajfti-2098	193	4	were	be	AUX
ajfti-2098	193	5	found	find	VERB
ajfti-2098	193	6	between	between	ADP
ajfti-2098	193	7	fintech	fintech	NOUN
ajfti-2098	193	8	integration	integration	NOUN
ajfti-2098	193	9	,	,	PUNCT
ajfti-2098	193	10	its	its	PRON
ajfti-2098	193	11	challenges	challenge	NOUN
ajfti-2098	193	12	,	,	PUNCT
ajfti-2098	193	13	increasing	increase	VERB
ajfti-2098	193	14	profitability	profitability	NOUN
ajfti-2098	193	15	,	,	PUNCT
ajfti-2098	193	16	and	and	CCONJ
ajfti-2098	193	17	promoting	promote	VERB
ajfti-2098	193	18	the	the	DET
ajfti-2098	193	19	growth	growth	NOUN
ajfti-2098	193	20	of	of	ADP
ajfti-2098	193	21	the	the	DET
ajfti-2098	193	22	qatar	qatar	NOUN
ajfti-2098	193	23	’s	’s	PART
ajfti-2098	193	24	takaful	takaful	ADJ
ajfti-2098	193	25	insurance	insurance	NOUN
ajfti-2098	193	26	industry	industry	NOUN
ajfti-2098	193	27	.	.	PUNCT
ajfti-2098	194	1	pearson	pearson	PROPN
ajfti-2098	194	2	correlations	correlation	NOUN
ajfti-2098	194	3	revealed	reveal	VERB
ajfti-2098	194	4	high	high	ADJ
ajfti-2098	194	5	positive	positive	ADJ
ajfti-2098	194	6	associations	association	NOUN
ajfti-2098	194	7	:	:	PUNCT
ajfti-2098	194	8	fintech	fintech	NOUN
ajfti-2098	194	9	integration	integration	NOUN
ajfti-2098	194	10	(	(	PUNCT
ajfti-2098	194	11	ift	ift	NOUN
ajfti-2098	194	12	)	)	PUNCT
ajfti-2098	194	13	was	be	AUX
ajfti-2098	194	14	associated	associate	VERB
ajfti-2098	194	15	strongly	strongly	ADV
ajfti-2098	194	16	with	with	ADP
ajfti-2098	194	17	enhanced	enhanced	ADJ
ajfti-2098	194	18	profitability	profitability	NOUN
ajfti-2098	194	19	(	(	PUNCT
ajfti-2098	194	20	fip	fip	NOUN
ajfti-2098	194	21	)	)	PUNCT
ajfti-2098	194	22	at	at	ADP
ajfti-2098	194	23	0.579	0.579	NUM
ajfti-2098	194	24	,	,	PUNCT
ajfti-2098	194	25	integration	integration	NOUN
ajfti-2098	194	26	challenges	challenge	NOUN
ajfti-2098	194	27	(	(	PUNCT
ajfti-2098	194	28	ci	ci	NOUN
ajfti-2098	194	29	)	)	PUNCT
ajfti-2098	194	30	at	at	ADP
ajfti-2098	194	31	0.541	0.541	NUM
ajfti-2098	194	32	,	,	PUNCT
ajfti-2098	194	33	and	and	CCONJ
ajfti-2098	194	34	industry	industry	NOUN
ajfti-2098	194	35	promotion	promotion	NOUN
ajfti-2098	194	36	(	(	PUNCT
ajfti-2098	194	37	pr	pr	NOUN
ajfti-2098	194	38	)	)	PUNCT
ajfti-2098	194	39	at	at	ADP
ajfti-2098	194	40	0.519	0.519	NUM
ajfti-2098	194	41	.	.	PUNCT
ajfti-2098	195	1	regression	regression	NOUN
ajfti-2098	195	2	analysis	analysis	NOUN
ajfti-2098	195	3	revealed	reveal	VERB
ajfti-2098	195	4	the	the	DET
ajfti-2098	195	5	relevance	relevance	NOUN
ajfti-2098	195	6	of	of	ADP
ajfti-2098	195	7	independent	independent	ADJ
ajfti-2098	195	8	factors	factor	NOUN
ajfti-2098	195	9	such	such	ADJ
ajfti-2098	195	10	as	as	ADP
ajfti-2098	195	11	the	the	DET
ajfti-2098	195	12	profitability	profitability	NOUN
ajfti-2098	195	13	,	,	PUNCT
ajfti-2098	195	14	challenges	challenge	NOUN
ajfti-2098	195	15	and	and	CCONJ
ajfti-2098	195	16	advantages	advantage	NOUN
ajfti-2098	195	17	of	of	ADP
ajfti-2098	195	18	integrating	integrate	VERB
ajfti-2098	195	19	fintech	fintech	NOUN
ajfti-2098	195	20	in	in	ADP
ajfti-2098	195	21	the	the	DET
ajfti-2098	195	22	takaful	takaful	ADJ
ajfti-2098	195	23	insurance	insurance	NOUN
ajfti-2098	195	24	industry	industry	NOUN
ajfti-2098	195	25	of	of	ADP
ajfti-2098	195	26	qatar	qatar	PROPN
ajfti-2098	195	27	in	in	ADP
ajfti-2098	195	28	explaining	explain	VERB
ajfti-2098	195	29	40.9	40.9	NUM
ajfti-2098	195	30	%	%	NOUN
ajfti-2098	195	31	of	of	ADP
ajfti-2098	195	32	fip	fip	PROPN
ajfti-2098	195	33	variance	variance	NOUN
ajfti-2098	195	34	.	.	PUNCT
ajfti-2098	196	1	contrasting	contrast	VERB
ajfti-2098	196	2	this	this	PRON
ajfti-2098	196	3	with	with	ADP
ajfti-2098	196	4	the	the	DET
ajfti-2098	196	5	study	study	NOUN
ajfti-2098	196	6	by	by	ADP
ajfti-2098	196	7	alshater	alshater	PROPN
ajfti-2098	196	8	et	et	PROPN
ajfti-2098	196	9	al	al	PROPN
ajfti-2098	196	10	.	.	PROPN
ajfti-2098	196	11	(	(	PUNCT
ajfti-2098	196	12	2020	2020	NUM
ajfti-2098	196	13	)	)	PUNCT
ajfti-2098	196	14	,	,	PUNCT
ajfti-2098	196	15	it	it	PRON
ajfti-2098	196	16	emerges	emerge	VERB
ajfti-2098	196	17	that	that	SCONJ
ajfti-2098	196	18	these	these	DET
ajfti-2098	196	19	correlations	correlation	NOUN
ajfti-2098	196	20	emphasize	emphasize	VERB
ajfti-2098	196	21	the	the	DET
ajfti-2098	196	22	interconnectedness	interconnectedness	NOUN
ajfti-2098	196	23	of	of	ADP
ajfti-2098	196	24	these	these	DET
ajfti-2098	196	25	factors	factor	NOUN
ajfti-2098	196	26	and	and	CCONJ
ajfti-2098	196	27	underscore	underscore	VERB
ajfti-2098	196	28	the	the	DET
ajfti-2098	196	29	need	need	NOUN
ajfti-2098	196	30	for	for	ADP
ajfti-2098	196	31	a	a	DET
ajfti-2098	196	32	holistic	holistic	ADJ
ajfti-2098	196	33	approach	approach	NOUN
ajfti-2098	196	34	to	to	ADP
ajfti-2098	196	35	fintech	fintech	NOUN
ajfti-2098	196	36	adoption	adoption	NOUN
ajfti-2098	196	37	(	(	PUNCT
ajfti-2098	196	38	alshater	alshater	NOUN
ajfti-2098	196	39	et	et	PROPN
ajfti-2098	196	40	al	al	PROPN
ajfti-2098	196	41	.	.	PROPN
ajfti-2098	196	42	,	,	PUNCT
ajfti-2098	196	43	2022	2022	NUM
ajfti-2098	196	44	)	)	PUNCT
ajfti-2098	196	45	.	.	PUNCT
ajfti-2098	197	1	in	in	ADP
ajfti-2098	197	2	essence	essence	NOUN
ajfti-2098	197	3	,	,	PUNCT
ajfti-2098	197	4	the	the	DET
ajfti-2098	197	5	study	study	NOUN
ajfti-2098	197	6	’s	’s	PART
ajfti-2098	197	7	findings	finding	NOUN
ajfti-2098	197	8	reveal	reveal	VERB
ajfti-2098	197	9	that	that	SCONJ
ajfti-2098	197	10	the	the	DET
ajfti-2098	197	11	integration	integration	NOUN
ajfti-2098	197	12	of	of	ADP
ajfti-2098	197	13	fintech	fintech	NOUN
ajfti-2098	197	14	in	in	ADP
ajfti-2098	197	15	the	the	DET
ajfti-2098	197	16	takaful	takaful	ADJ
ajfti-2098	197	17	insurance	insurance	NOUN
ajfti-2098	197	18	industry	industry	NOUN
ajfti-2098	197	19	of	of	ADP
ajfti-2098	197	20	qatar	qatar	PROPN
ajfti-2098	197	21	is	be	AUX
ajfti-2098	197	22	generally	generally	ADV
ajfti-2098	197	23	perceived	perceive	VERB
ajfti-2098	197	24	positively	positively	ADV
ajfti-2098	197	25	,	,	PUNCT
ajfti-2098	197	26	with	with	ADP
ajfti-2098	197	27	significant	significant	ADJ
ajfti-2098	197	28	support	support	NOUN
ajfti-2098	197	29	from	from	ADP
ajfti-2098	197	30	regulatory	regulatory	ADJ
ajfti-2098	197	31	authorities	authority	NOUN
ajfti-2098	197	32	and	and	CCONJ
ajfti-2098	197	33	industry	industry	NOUN
ajfti-2098	197	34	players	player	NOUN
ajfti-2098	197	35	(	(	PUNCT
ajfti-2098	197	36	rabbani	rabbani	PROPN
ajfti-2098	197	37	et	et	PROPN
ajfti-2098	197	38	al	al	PROPN
ajfti-2098	197	39	.	.	PROPN
ajfti-2098	197	40	,	,	PUNCT
ajfti-2098	197	41	2022	2022	NUM
ajfti-2098	197	42	)	)	PUNCT
ajfti-2098	197	43	(	(	PUNCT
ajfti-2098	197	44	rabbani	rabbani	PROPN
ajfti-2098	197	45	et	et	PROPN
ajfti-2098	197	46	al	al	PROPN
ajfti-2098	197	47	.	.	PROPN
ajfti-2098	197	48	,	,	PUNCT
ajfti-2098	197	49	2022	2022	NUM
ajfti-2098	197	50	)	)	PUNCT
ajfti-2098	197	51	.	.	PUNCT
ajfti-2098	198	1	however	however	ADV
ajfti-2098	198	2	,	,	PUNCT
ajfti-2098	198	3	barberis	barberis	PROPN
ajfti-2098	198	4	et	et	PROPN
ajfti-2098	198	5	al	al	PROPN
ajfti-2098	198	6	.	.	PROPN
ajfti-2098	199	1	(	(	PUNCT
ajfti-2098	199	2	2019	2019	NUM
ajfti-2098	199	3	)	)	PUNCT
ajfti-2098	199	4	have	have	AUX
ajfti-2098	199	5	also	also	ADV
ajfti-2098	199	6	contended	contend	VERB
ajfti-2098	199	7	challenges	challenge	NOUN
ajfti-2098	199	8	related	relate	VERB
ajfti-2098	199	9	to	to	ADP
ajfti-2098	199	10	regulation	regulation	NOUN
ajfti-2098	199	11	,	,	PUNCT
ajfti-2098	199	12	cybersecurity	cybersecurity	NOUN
ajfti-2098	199	13	,	,	PUNCT
ajfti-2098	199	14	resistance	resistance	NOUN
ajfti-2098	199	15	to	to	PART
ajfti-2098	199	16	change	change	VERB
ajfti-2098	199	17	,	,	PUNCT
ajfti-2098	199	18	and	and	CCONJ
ajfti-2098	199	19	access	access	NOUN
ajfti-2098	199	20	to	to	ADP
ajfti-2098	199	21	funding	funding	NOUN
ajfti-2098	199	22	must	must	AUX
ajfti-2098	199	23	be	be	AUX
ajfti-2098	199	24	addressed	address	VERB
ajfti-2098	199	25	,	,	PUNCT
ajfti-2098	199	26	which	which	PRON
ajfti-2098	199	27	is	be	AUX
ajfti-2098	199	28	also	also	ADV
ajfti-2098	199	29	evident	evident	ADJ
ajfti-2098	199	30	by	by	ADP
ajfti-2098	199	31	the	the	DET
ajfti-2098	199	32	current	current	ADJ
ajfti-2098	199	33	study	study	NOUN
ajfti-2098	199	34	’s	’s	PART
ajfti-2098	199	35	findings	finding	NOUN
ajfti-2098	199	36	.	.	PUNCT
ajfti-2098	200	1	importantly	importantly	ADV
ajfti-2098	200	2	,	,	PUNCT
ajfti-2098	200	3	fintech	fintech	NOUN
ajfti-2098	200	4	has	have	AUX
ajfti-2098	200	5	had	have	VERB
ajfti-2098	200	6	a	a	DET
ajfti-2098	200	7	transformative	transformative	ADJ
ajfti-2098	200	8	impact	impact	NOUN
ajfti-2098	200	9	on	on	ADP
ajfti-2098	200	10	profitability	profitability	NOUN
ajfti-2098	200	11	and	and	CCONJ
ajfti-2098	200	12	the	the	DET
ajfti-2098	200	13	promotion	promotion	NOUN
ajfti-2098	200	14	of	of	ADP
ajfti-2098	200	15	the	the	DET
ajfti-2098	200	16	takaful	takaful	ADJ
ajfti-2098	200	17	insurance	insurance	NOUN
ajfti-2098	200	18	industry	industry	NOUN
ajfti-2098	200	19	(	(	PUNCT
ajfti-2098	200	20	barberis	barberis	PROPN
ajfti-2098	200	21	et	et	PROPN
ajfti-2098	200	22	al	al	PROPN
ajfti-2098	200	23	.	.	PROPN
ajfti-2098	200	24	,	,	PUNCT
ajfti-2098	200	25	2019	2019	NUM
ajfti-2098	200	26	)	)	PUNCT
ajfti-2098	200	27	.	.	PUNCT
ajfti-2098	201	1	the	the	DET
ajfti-2098	201	2	study	study	NOUN
ajfti-2098	201	3	findings	finding	NOUN
ajfti-2098	201	4	provide	provide	VERB
ajfti-2098	201	5	valuable	valuable	ADJ
ajfti-2098	201	6	insights	insight	NOUN
ajfti-2098	201	7	for	for	ADP
ajfti-2098	201	8	policymakers	policymaker	NOUN
ajfti-2098	201	9	,	,	PUNCT
ajfti-2098	201	10	industry	industry	NOUN
ajfti-2098	201	11	professionals	professional	NOUN
ajfti-2098	201	12	,	,	PUNCT
ajfti-2098	201	13	and	and	CCONJ
ajfti-2098	201	14	researchers	researcher	NOUN
ajfti-2098	201	15	seeking	seek	VERB
ajfti-2098	201	16	to	to	PART
ajfti-2098	201	17	understand	understand	VERB
ajfti-2098	201	18	the	the	DET
ajfti-2098	201	19	evolving	evolve	VERB
ajfti-2098	201	20	landscape	landscape	NOUN
ajfti-2098	201	21	of	of	ADP
ajfti-2098	201	22	takaful	takaful	ADJ
ajfti-2098	201	23	insurance	insurance	NOUN
ajfti-2098	201	24	and	and	CCONJ
ajfti-2098	201	25	fintech	fintech	NOUN
ajfti-2098	201	26	integration	integration	NOUN
ajfti-2098	201	27	in	in	ADP
ajfti-2098	201	28	qatar	qatar	PROPN
ajfti-2098	201	29	.	.	PUNCT
ajfti-2098	202	1	conclusion	conclusion	NOUN
ajfti-2098	202	2	in	in	ADP
ajfti-2098	202	3	conclusion	conclusion	NOUN
ajfti-2098	202	4	,	,	PUNCT
ajfti-2098	202	5	the	the	DET
ajfti-2098	202	6	quantitative	quantitative	ADJ
ajfti-2098	202	7	study	study	NOUN
ajfti-2098	202	8	,	,	PUNCT
ajfti-2098	202	9	which	which	PRON
ajfti-2098	202	10	looked	look	VERB
ajfti-2098	202	11	at	at	ADP
ajfti-2098	202	12	how	how	SCONJ
ajfti-2098	202	13	fintech	fintech	NOUN
ajfti-2098	202	14	integration	integration	NOUN
ajfti-2098	202	15	has	have	AUX
ajfti-2098	202	16	affected	affect	VERB
ajfti-2098	202	17	qatar	qatar	PROPN
ajfti-2098	202	18	’s	’s	PART
ajfti-2098	202	19	takaful	takaful	ADJ
ajfti-2098	202	20	insurance	insurance	NOUN
ajfti-2098	202	21	market	market	NOUN
ajfti-2098	202	22	,	,	PUNCT
ajfti-2098	202	23	showed	show	VERB
ajfti-2098	202	24	strong	strong	ADJ
ajfti-2098	202	25	connections	connection	NOUN
ajfti-2098	202	26	between	between	ADP
ajfti-2098	202	27	many	many	ADJ
ajfti-2098	202	28	important	important	ADJ
ajfti-2098	202	29	variables	variable	NOUN
ajfti-2098	202	30	.	.	PUNCT
ajfti-2098	203	1	the	the	DET
ajfti-2098	203	2	study	study	NOUN
ajfti-2098	203	3	investigated	investigate	VERB
ajfti-2098	203	4	the	the	DET
ajfti-2098	203	5	influence	influence	NOUN
ajfti-2098	203	6	of	of	ADP
ajfti-2098	203	7	fintech	fintech	NOUN
ajfti-2098	203	8	integration	integration	NOUN
ajfti-2098	203	9	on	on	ADP
ajfti-2098	203	10	qatar	qatar	PROPN
ajfti-2098	203	11	’s	’s	PART
ajfti-2098	203	12	takaful	takaful	ADJ
ajfti-2098	203	13	insurance	insurance	NOUN
ajfti-2098	203	14	business	business	NOUN
ajfti-2098	203	15	.	.	PUNCT
ajfti-2098	204	1	the	the	DET
ajfti-2098	204	2	findings	finding	NOUN
ajfti-2098	204	3	indicated	indicate	VERB
ajfti-2098	204	4	a	a	DET
ajfti-2098	204	5	broad	broad	ADJ
ajfti-2098	204	6	collection	collection	NOUN
ajfti-2098	204	7	of	of	ADP
ajfti-2098	204	8	experts	expert	NOUN
ajfti-2098	204	9	in	in	ADP
ajfti-2098	204	10	both	both	DET
ajfti-2098	204	11	areas	area	NOUN
ajfti-2098	204	12	with	with	ADP
ajfti-2098	204	13	various	various	ADJ
ajfti-2098	204	14	degrees	degree	NOUN
ajfti-2098	204	15	of	of	ADP
ajfti-2098	204	16	expertise	expertise	NOUN
ajfti-2098	204	17	.	.	PUNCT
ajfti-2098	205	1	while	while	SCONJ
ajfti-2098	205	2	there	there	PRON
ajfti-2098	205	3	was	be	VERB
ajfti-2098	205	4	governmental	governmental	ADJ
ajfti-2098	205	5	backing	backing	NOUN
ajfti-2098	205	6	and	and	CCONJ
ajfti-2098	205	7	industry	industry	NOUN
ajfti-2098	205	8	readiness	readiness	NOUN
ajfti-2098	205	9	for	for	ADP
ajfti-2098	205	10	fintech	fintech	NOUN
ajfti-2098	205	11	adoption	adoption	NOUN
ajfti-2098	205	12	,	,	PUNCT
ajfti-2098	205	13	there	there	PRON
ajfti-2098	205	14	were	be	VERB
ajfti-2098	205	15	problems	problem	NOUN
ajfti-2098	205	16	such	such	ADJ
ajfti-2098	205	17	as	as	ADP
ajfti-2098	205	18	regulatory	regulatory	ADJ
ajfti-2098	205	19	impediments	impediment	NOUN
ajfti-2098	205	20	,	,	PUNCT
ajfti-2098	205	21	cybersecurity	cybersecurity	NOUN
ajfti-2098	205	22	concerns	concern	NOUN
ajfti-2098	205	23	,	,	PUNCT
ajfti-2098	205	24	and	and	CCONJ
ajfti-2098	205	25	reluctance	reluctance	NOUN
ajfti-2098	205	26	to	to	PART
ajfti-2098	205	27	change	change	VERB
ajfti-2098	205	28	.	.	PUNCT
ajfti-2098	206	1	most	most	ADV
ajfti-2098	206	2	notably	notably	ADV
ajfti-2098	206	3	,	,	PUNCT
ajfti-2098	206	4	fintech	fintech	NOUN
ajfti-2098	206	5	was	be	AUX
ajfti-2098	206	6	closely	closely	ADV
ajfti-2098	206	7	linked	link	VERB
ajfti-2098	206	8	to	to	ADP
ajfti-2098	206	9	increasing	increase	VERB
ajfti-2098	206	10	profitability	profitability	NOUN
ajfti-2098	206	11	and	and	CCONJ
ajfti-2098	206	12	takaful	takaful	ADJ
ajfti-2098	206	13	insurance	insurance	NOUN
ajfti-2098	206	14	business	business	NOUN
ajfti-2098	206	15	development	development	NOUN
ajfti-2098	206	16	.	.	PUNCT
ajfti-2098	207	1	these	these	DET
ajfti-2098	207	2	findings	finding	NOUN
ajfti-2098	207	3	highlight	highlight	VERB
ajfti-2098	207	4	the	the	DET
ajfti-2098	207	5	revolutionary	revolutionary	ADJ
ajfti-2098	207	6	potential	potential	NOUN
ajfti-2098	207	7	of	of	ADP
ajfti-2098	207	8	fintech	fintech	NOUN
ajfti-2098	207	9	in	in	ADP
ajfti-2098	207	10	qatar	qatar	PROPN
ajfti-2098	207	11	’s	’s	PART
ajfti-2098	207	12	takaful	takaful	ADJ
ajfti-2098	207	13	sector	sector	NOUN
ajfti-2098	207	14	and	and	CCONJ
ajfti-2098	207	15	provide	provide	VERB
ajfti-2098	207	16	useful	useful	ADJ
ajfti-2098	207	17	insights	insight	NOUN
ajfti-2098	207	18	for	for	ADP
ajfti-2098	207	19	policymakers	policymaker	NOUN
ajfti-2098	207	20	and	and	CCONJ
ajfti-2098	207	21	industry	industry	NOUN
ajfti-2098	207	22	players	player	NOUN
ajfti-2098	207	23	navigating	navigate	VERB
ajfti-2098	207	24	this	this	DET
ajfti-2098	207	25	changing	change	VERB
ajfti-2098	207	26	landscape	landscape	NOUN
ajfti-2098	207	27	.	.	PUNCT
ajfti-2098	208	1	recommendation	recommendation	VERB
ajfti-2098	208	2	the	the	DET
ajfti-2098	208	3	presented	present	VERB
ajfti-2098	208	4	study	study	NOUN
ajfti-2098	208	5	’s	’s	PART
ajfti-2098	208	6	findings	finding	NOUN
ajfti-2098	208	7	illustrate	illustrate	VERB
ajfti-2098	208	8	several	several	ADJ
ajfti-2098	208	9	recommendations	recommendation	NOUN
ajfti-2098	208	10	with	with	ADP
ajfti-2098	208	11	implications	implication	NOUN
ajfti-2098	208	12	for	for	ADP
ajfti-2098	208	13	takaful	takaful	ADJ
ajfti-2098	208	14	insurance	insurance	NOUN
ajfti-2098	208	15	industry	industry	NOUN
ajfti-2098	208	16	stakeholders	stakeholder	NOUN
ajfti-2098	208	17	and	and	CCONJ
ajfti-2098	208	18	professionals	professional	NOUN
ajfti-2098	208	19	.	.	PUNCT
ajfti-2098	209	1	streamlining	streamline	VERB
ajfti-2098	209	2	regulatory	regulatory	ADJ
ajfti-2098	209	3	processes	process	NOUN
ajfti-2098	209	4	is	be	AUX
ajfti-2098	209	5	critical	critical	ADJ
ajfti-2098	209	6	to	to	ADP
ajfti-2098	209	7	encouraging	encourage	VERB
ajfti-2098	209	8	fintech	fintech	NOUN
ajfti-2098	209	9	integration	integration	NOUN
ajfti-2098	209	10	since	since	SCONJ
ajfti-2098	209	11	it	it	PRON
ajfti-2098	209	12	may	may	AUX
ajfti-2098	209	13	lower	lower	VERB
ajfti-2098	209	14	obstacles	obstacle	NOUN
ajfti-2098	209	15	and	and	CCONJ
ajfti-2098	209	16	boost	boost	VERB
ajfti-2098	209	17	innovation	innovation	NOUN
ajfti-2098	209	18	.	.	PUNCT
ajfti-2098	210	1	second	second	ADJ
ajfti-2098	210	2	,	,	PUNCT
ajfti-2098	210	3	it	it	PRON
ajfti-2098	210	4	is	be	AUX
ajfti-2098	210	5	critical	critical	ADJ
ajfti-2098	210	6	to	to	PART
ajfti-2098	210	7	improve	improve	VERB
ajfti-2098	210	8	cybersecurity	cybersecurity	NOUN
ajfti-2098	210	9	measures	measure	NOUN
ajfti-2098	210	10	and	and	CCONJ
ajfti-2098	210	11	create	create	VERB
ajfti-2098	210	12	thorough	thorough	ADJ
ajfti-2098	210	13	data	datum	NOUN
ajfti-2098	210	14	privacy	privacy	NOUN
ajfti-2098	210	15	regulations	regulation	NOUN
ajfti-2098	210	16	in	in	ADP
ajfti-2098	210	17	order	order	NOUN
ajfti-2098	210	18	to	to	PART
ajfti-2098	210	19	build	build	VERB
ajfti-2098	210	20	trust	trust	NOUN
ajfti-2098	210	21	in	in	ADP
ajfti-2098	210	22	fintech	fintech	NOUN
ajfti-2098	210	23	solutions	solution	NOUN
ajfti-2098	210	24	.	.	PUNCT
ajfti-2098	211	1	third	third	ADJ
ajfti-2098	211	2	,	,	PUNCT
ajfti-2098	211	3	proactive	proactive	ADJ
ajfti-2098	211	4	change	change	NOUN
ajfti-2098	211	5	management	management	NOUN
ajfti-2098	211	6	measures	measure	NOUN
ajfti-2098	211	7	should	should	AUX
ajfti-2098	211	8	be	be	AUX
ajfti-2098	211	9	implemented	implement	VERB
ajfti-2098	211	10	to	to	PART
ajfti-2098	211	11	overcome	overcome	VERB
ajfti-2098	211	12	organizational	organizational	ADJ
ajfti-2098	211	13	opposition	opposition	NOUN
ajfti-2098	211	14	and	and	CCONJ
ajfti-2098	211	15	guarantee	guarantee	VERB
ajfti-2098	211	16	the	the	DET
ajfti-2098	211	17	seamless	seamless	ADJ
ajfti-2098	211	18	implementation	implementation	NOUN
ajfti-2098	211	19	of	of	ADP
ajfti-2098	211	20	fintech	fintech	NOUN
ajfti-2098	211	21	.	.	PUNCT
ajfti-2098	212	1	furthermore	furthermore	ADV
ajfti-2098	212	2	,	,	PUNCT
ajfti-2098	212	3	increasing	increase	VERB
ajfti-2098	212	4	access	access	NOUN
ajfti-2098	212	5	to	to	ADP
ajfti-2098	212	6	capital	capital	NOUN
ajfti-2098	212	7	and	and	CCONJ
ajfti-2098	212	8	investment	investment	NOUN
ajfti-2098	212	9	options	option	NOUN
ajfti-2098	212	10	for	for	ADP
ajfti-2098	212	11	fintech	fintech	NOUN
ajfti-2098	212	12	businesses	business	NOUN
ajfti-2098	212	13	is	be	AUX
ajfti-2098	212	14	critical	critical	ADJ
ajfti-2098	212	15	to	to	ADP
ajfti-2098	212	16	fostering	foster	VERB
ajfti-2098	212	17	innovation	innovation	NOUN
ajfti-2098	212	18	in	in	ADP
ajfti-2098	212	19	the	the	DET
ajfti-2098	212	20	takaful	takaful	ADJ
ajfti-2098	212	21	insurance	insurance	NOUN
ajfti-2098	212	22	market	market	NOUN
ajfti-2098	212	23	.	.	PUNCT
ajfti-2098	213	1	finally	finally	ADV
ajfti-2098	213	2	,	,	PUNCT
ajfti-2098	213	3	recognizing	recognize	VERB
ajfti-2098	213	4	the	the	DET
ajfti-2098	213	5	importance	importance	NOUN
ajfti-2098	213	6	of	of	ADP
ajfti-2098	213	7	data	datum	NOUN
ajfti-2098	213	8	analytics	analytic	NOUN
ajfti-2098	213	9	and	and	CCONJ
ajfti-2098	213	10	successfully	successfully	ADV
ajfti-2098	213	11	utilizing	utilize	VERB
ajfti-2098	213	12	it	it	PRON
ajfti-2098	213	13	helps	help	VERB
ajfti-2098	213	14	optimize	optimize	VERB
ajfti-2098	213	15	revenue	revenue	NOUN
ajfti-2098	213	16	streams	stream	NOUN
ajfti-2098	213	17	and	and	CCONJ
ajfti-2098	213	18	improve	improve	VERB
ajfti-2098	213	19	decisionmaking	decisionmake	VERB
ajfti-2098	213	20	processes	process	NOUN
ajfti-2098	213	21	in	in	ADP
ajfti-2098	213	22	the	the	DET
ajfti-2098	213	23	industry	industry	NOUN
ajfti-2098	213	24	.	.	PUNCT
ajfti-2098	214	1	references	reference	NOUN
ajfti-2098	214	2	abu	abu	PROPN
ajfti-2098	214	3	al	al	PROPN
ajfti-2098	214	4	-	-	PUNCT
ajfti-2098	214	5	haija	haija	PROPN
ajfti-2098	214	6	,	,	PUNCT
ajfti-2098	214	7	e.	e.	PROPN
ajfti-2098	214	8	,	,	PUNCT
ajfti-2098	214	9	&	&	CCONJ
ajfti-2098	214	10	houcine	houcine	PROPN
ajfti-2098	214	11	,	,	PUNCT
ajfti-2098	214	12	a.	a.	NOUN
ajfti-2098	214	13	(	(	PUNCT
ajfti-2098	214	14	2023	2023	NUM
ajfti-2098	214	15	)	)	PUNCT
ajfti-2098	214	16	.	.	PUNCT
ajfti-2098	215	1	risk	risk	NOUN
ajfti-2098	215	2	management	management	NOUN
ajfti-2098	215	3	efficiency	efficiency	NOUN
ajfti-2098	215	4	of	of	ADP
ajfti-2098	215	5	takaful	takaful	ADJ
ajfti-2098	215	6	and	and	CCONJ
ajfti-2098	215	7	conventional	conventional	ADJ
ajfti-2098	215	8	insurance	insurance	NOUN
ajfti-2098	215	9	sectors	sector	NOUN
ajfti-2098	215	10	in	in	ADP
ajfti-2098	215	11	uae	uae	PROPN
ajfti-2098	215	12	and	and	CCONJ
ajfti-2098	215	13	ksa	ksa	PROPN
ajfti-2098	215	14	.	.	PROPN
ajfti-2098	215	15	journal	journal	PROPN
ajfti-2098	215	16	of	of	ADP
ajfti-2098	215	17	islamic	islamic	PROPN
ajfti-2098	215	18	accounting	accounting	PROPN
ajfti-2098	215	19	and	and	CCONJ
ajfti-2098	215	20	business	business	NOUN
ajfti-2098	215	21	research	research	NOUN
ajfti-2098	215	22	.	.	PUNCT
ajfti-2098	216	1	alam	alam	PROPN
ajfti-2098	216	2	,	,	PUNCT
ajfti-2098	216	3	n.	n.	NOUN
ajfti-2098	216	4	,	,	PUNCT
ajfti-2098	216	5	gupta	gupta	PROPN
ajfti-2098	216	6	,	,	PUNCT
ajfti-2098	216	7	l.	l.	PROPN
ajfti-2098	216	8	,	,	PUNCT
ajfti-2098	216	9	&	&	CCONJ
ajfti-2098	216	10	zameni	zameni	PROPN
ajfti-2098	216	11	,	,	PUNCT
ajfti-2098	216	12	a.	a.	NOUN
ajfti-2098	216	13	.	.	PUNCT
ajfti-2098	216	14	.	.	PUNCT
ajfti-2098	217	1	(	(	PUNCT
ajfti-2098	217	2	2019	2019	NUM
ajfti-2098	217	3	)	)	PUNCT
ajfti-2098	217	4	.	.	PUNCT
ajfti-2098	218	1	fintech	fintech	NOUN
ajfti-2098	218	2	and	and	CCONJ
ajfti-2098	218	3	islamic	islamic	ADJ
ajfti-2098	218	4	finance	finance	PROPN
ajfti-2098	218	5	.	.	PUNCT
ajfti-2098	219	1	springer	springer	NOUN
ajfti-2098	219	2	international	international	ADJ
ajfti-2098	219	3	publishing	publishing	NOUN
ajfti-2098	219	4	.	.	PUNCT
ajfti-2098	220	1	alhammadi	alhammadi	NOUN
ajfti-2098	220	2	,	,	PUNCT
ajfti-2098	220	3	s.	s.	PROPN
ajfti-2098	220	4	(	(	PUNCT
ajfti-2098	220	5	2023	2023	NUM
ajfti-2098	220	6	)	)	PUNCT
ajfti-2098	220	7	.	.	PUNCT
ajfti-2098	221	1	expanding	expand	VERB
ajfti-2098	221	2	financial	financial	ADJ
ajfti-2098	221	3	inclusion	inclusion	NOUN
ajfti-2098	221	4	in	in	ADP
ajfti-2098	221	5	indonesia	indonesia	PROPN
ajfti-2098	221	6	through	through	ADP
ajfti-2098	221	7	takaful	takaful	ADJ
ajfti-2098	221	8	:	:	PUNCT
ajfti-2098	221	9	opportunities	opportunity	NOUN
ajfti-2098	221	10	,	,	PUNCT
ajfti-2098	221	11	challenges	challenge	NOUN
ajfti-2098	221	12	and	and	CCONJ
ajfti-2098	221	13	sustainability	sustainability	NOUN
ajfti-2098	221	14	.	.	PUNCT
ajfti-2098	222	1	journal	journal	NOUN
ajfti-2098	222	2	of	of	ADP
ajfti-2098	222	3	financial	financial	ADJ
ajfti-2098	222	4	reporting	reporting	NOUN
ajfti-2098	222	5	and	and	CCONJ
ajfti-2098	222	6	accounting	accounting	NOUN
ajfti-2098	222	7	.	.	PUNCT
ajfti-2098	223	1	pa	pa	PROPN
ajfti-2098	223	2	ge	ge	PROPN
ajfti-2098	223	3	23	23	NUM
ajfti-2098	223	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2098	223	5	am	be	AUX
ajfti-2098	223	6	.	.	PUNCT
ajfti-2098	224	1	j.	j.	PROPN
ajfti-2098	224	2	financ	financ	PROPN
ajfti-2098	224	3	.	.	PUNCT
ajfti-2098	225	1	technol	technol	PROPN
ajfti-2098	225	2	.	.	PUNCT
ajfti-2098	225	3	innov	innov	PROPN
ajfti-2098	225	4	.	.	PUNCT
ajfti-2098	226	1	1(1	1(1	NUM
ajfti-2098	226	2	)	)	PUNCT
ajfti-2098	226	3	15	15	NUM
ajfti-2098	226	4	-	-	SYM
ajfti-2098	226	5	23	23	NUM
ajfti-2098	226	6	,	,	PUNCT
ajfti-2098	226	7	2023	2023	NUM
ajfti-2098	226	8	alshater	alshater	NOUN
ajfti-2098	226	9	,	,	PUNCT
ajfti-2098	226	10	m.	m.	NOUN
ajfti-2098	226	11	m.	m.	NOUN
ajfti-2098	226	12	,	,	PUNCT
ajfti-2098	226	13	saba	saba	PROPN
ajfti-2098	226	14	,	,	PUNCT
ajfti-2098	226	15	i.	i.	PROPN
ajfti-2098	226	16	,	,	PUNCT
ajfti-2098	226	17	supriani	supriani	PROPN
ajfti-2098	226	18	,	,	PUNCT
ajfti-2098	226	19	i.	i.	PROPN
ajfti-2098	226	20	,	,	PUNCT
ajfti-2098	226	21	&	&	CCONJ
ajfti-2098	226	22	rabbani	rabbani	PROPN
ajfti-2098	226	23	,	,	PUNCT
ajfti-2098	226	24	m.	m.	PROPN
ajfti-2098	226	25	r.	r.	PROPN
ajfti-2098	226	26	(	(	PUNCT
ajfti-2098	226	27	2022	2022	NUM
ajfti-2098	226	28	)	)	PUNCT
ajfti-2098	226	29	.	.	PUNCT
ajfti-2098	227	1	fintech	fintech	NOUN
ajfti-2098	227	2	in	in	ADP
ajfti-2098	227	3	islamic	islamic	PROPN
ajfti-2098	227	4	finance	finance	NOUN
ajfti-2098	227	5	literature	literature	NOUN
ajfti-2098	227	6	:	:	PUNCT
ajfti-2098	227	7	a	a	DET
ajfti-2098	227	8	review	review	NOUN
ajfti-2098	227	9	.	.	PUNCT
ajfti-2098	228	1	heliyon	heliyon	NOUN
ajfti-2098	228	2	.	.	PUNCT
ajfti-2098	229	1	anifa	anifa	PROPN
ajfti-2098	229	2	,	,	PUNCT
ajfti-2098	229	3	m.	m.	NOUN
ajfti-2098	229	4	,	,	PUNCT
ajfti-2098	229	5	ramakrishnan	ramakrishnan	PROPN
ajfti-2098	229	6	,	,	PUNCT
ajfti-2098	229	7	s.	s.	PROPN
ajfti-2098	229	8	,	,	PUNCT
ajfti-2098	229	9	joghee	joghee	PROPN
ajfti-2098	229	10	,	,	PUNCT
ajfti-2098	229	11	s.	s.	PROPN
ajfti-2098	229	12	,	,	PUNCT
ajfti-2098	229	13	kabiraj	kabiraj	PROPN
ajfti-2098	229	14	,	,	PUNCT
ajfti-2098	229	15	s.	s.	PROPN
ajfti-2098	229	16	,	,	PUNCT
ajfti-2098	229	17	&	&	CCONJ
ajfti-2098	229	18	bishnoi	bishnoi	PROPN
ajfti-2098	229	19	,	,	PUNCT
ajfti-2098	229	20	m.	m.	NOUN
ajfti-2098	229	21	m.	m.	NOUN
ajfti-2098	229	22	(	(	PUNCT
ajfti-2098	229	23	2022	2022	NUM
ajfti-2098	229	24	)	)	PUNCT
ajfti-2098	229	25	.	.	PUNCT
ajfti-2098	230	1	fintech	fintech	NOUN
ajfti-2098	230	2	innovations	innovation	NOUN
ajfti-2098	230	3	in	in	ADP
ajfti-2098	230	4	the	the	DET
ajfti-2098	230	5	financial	financial	ADJ
ajfti-2098	230	6	service	service	NOUN
ajfti-2098	230	7	industry	industry	NOUN
ajfti-2098	230	8	.	.	PUNCT
ajfti-2098	231	1	journal	journal	NOUN
ajfti-2098	231	2	of	of	ADP
ajfti-2098	231	3	risk	risk	NOUN
ajfti-2098	231	4	and	and	CCONJ
ajfti-2098	231	5	financial	financial	ADJ
ajfti-2098	231	6	management	management	NOUN
ajfti-2098	231	7	,	,	PUNCT
ajfti-2098	231	8	15(7	15(7	NUM
ajfti-2098	231	9	)	)	PUNCT
ajfti-2098	231	10	,	,	PUNCT
ajfti-2098	231	11	287	287	NUM
ajfti-2098	231	12	.	.	PUNCT
ajfti-2098	232	1	ashfaq	ashfaq	NOUN
ajfti-2098	232	2	,	,	PUNCT
ajfti-2098	232	3	m.	m.	NOUN
ajfti-2098	232	4	,	,	PUNCT
ajfti-2098	232	5	&	&	CCONJ
ajfti-2098	232	6	zada	zada	PROPN
ajfti-2098	232	7	,	,	PUNCT
ajfti-2098	232	8	n.	n.	PROPN
ajfti-2098	232	9	(	(	PUNCT
ajfti-2098	232	10	2021	2021	NUM
ajfti-2098	232	11	)	)	PUNCT
ajfti-2098	232	12	.	.	PUNCT
ajfti-2098	233	1	the	the	DET
ajfti-2098	233	2	application	application	NOUN
ajfti-2098	233	3	of	of	ADP
ajfti-2098	233	4	fintech	fintech	NOUN
ajfti-2098	233	5	in	in	ADP
ajfti-2098	233	6	microtakaful	microtakaful	ADJ
ajfti-2098	233	7	as	as	ADP
ajfti-2098	233	8	a	a	DET
ajfti-2098	233	9	means	means	NOUN
ajfti-2098	233	10	of	of	ADP
ajfti-2098	233	11	digital	digital	ADJ
ajfti-2098	233	12	financial	financial	ADJ
ajfti-2098	233	13	inclusion	inclusion	NOUN
ajfti-2098	233	14	:	:	PUNCT
ajfti-2098	233	15	insights	insight	NOUN
ajfti-2098	233	16	from	from	ADP
ajfti-2098	233	17	the	the	DET
ajfti-2098	233	18	gcc	gcc	NOUN
ajfti-2098	233	19	.	.	PUNCT
ajfti-2098	234	1	fintech	fintech	NOUN
ajfti-2098	234	2	,	,	PUNCT
ajfti-2098	234	3	digital	digital	ADJ
ajfti-2098	234	4	currency	currency	NOUN
ajfti-2098	234	5	and	and	CCONJ
ajfti-2098	234	6	the	the	DET
ajfti-2098	234	7	future	future	NOUN
ajfti-2098	234	8	of	of	ADP
ajfti-2098	234	9	islamic	islamic	ADJ
ajfti-2098	234	10	finance	finance	NOUN
ajfti-2098	234	11	:	:	PUNCT
ajfti-2098	234	12	strategic	strategic	ADJ
ajfti-2098	234	13	,	,	PUNCT
ajfti-2098	234	14	regulatory	regulatory	ADJ
ajfti-2098	234	15	and	and	CCONJ
ajfti-2098	234	16	adoption	adoption	NOUN
ajfti-2098	234	17	issues	issue	NOUN
ajfti-2098	234	18	in	in	ADP
ajfti-2098	234	19	the	the	DET
ajfti-2098	234	20	gulf	gulf	PROPN
ajfti-2098	234	21	cooperation	cooperation	PROPN
ajfti-2098	234	22	council	council	PROPN
ajfti-2098	234	23	,	,	PUNCT
ajfti-2098	234	24	77	77	NUM
ajfti-2098	234	25	-	-	SYM
ajfti-2098	234	26	105	105	NUM
ajfti-2098	234	27	.	.	PUNCT
ajfti-2098	234	28	bank	bank	PROPN
ajfti-2098	234	29	,	,	PUNCT
ajfti-2098	234	30	i.	i.	PROPN
ajfti-2098	234	31	d.	d.	PROPN
ajfti-2098	234	32	(	(	PUNCT
ajfti-2098	234	33	2020	2020	NUM
ajfti-2098	234	34	)	)	PUNCT
ajfti-2098	234	35	.	.	PUNCT
ajfti-2098	235	1	islamic	islamic	ADJ
ajfti-2098	235	2	finance	finance	NOUN
ajfti-2098	235	3	for	for	ADP
ajfti-2098	235	4	sustainable	sustainable	ADJ
ajfti-2098	235	5	development	development	NOUN
ajfti-2098	235	6	report	report	NOUN
ajfti-2098	235	7	.	.	PUNCT
ajfti-2098	236	1	barberis	barberis	PROPN
ajfti-2098	236	2	,	,	PUNCT
ajfti-2098	236	3	j.	j.	PROPN
ajfti-2098	236	4	,	,	PUNCT
ajfti-2098	236	5	arner	arner	PROPN
ajfti-2098	236	6	,	,	PUNCT
ajfti-2098	236	7	d.	d.	PROPN
ajfti-2098	236	8	w.	w.	PROPN
ajfti-2098	236	9	,	,	PUNCT
ajfti-2098	236	10	&	&	CCONJ
ajfti-2098	236	11	buckley	buckley	PROPN
ajfti-2098	236	12	,	,	PUNCT
ajfti-2098	236	13	r.	r.	PROPN
ajfti-2098	236	14	p.	p.	PROPN
ajfti-2098	236	15	(	(	PUNCT
ajfti-2098	236	16	2019	2019	NUM
ajfti-2098	236	17	)	)	PUNCT
ajfti-2098	236	18	.	.	PUNCT
ajfti-2098	237	1	the	the	DET
ajfti-2098	237	2	regtech	regtech	PROPN
ajfti-2098	237	3	book	book	NOUN
ajfti-2098	237	4	:	:	PUNCT
ajfti-2098	237	5	the	the	DET
ajfti-2098	237	6	financial	financial	ADJ
ajfti-2098	237	7	technology	technology	NOUN
ajfti-2098	237	8	handbook	handbook	NOUN
ajfti-2098	237	9	for	for	ADP
ajfti-2098	237	10	investors	investor	NOUN
ajfti-2098	237	11	,	,	PUNCT
ajfti-2098	237	12	entrepreneurs	entrepreneur	NOUN
ajfti-2098	237	13	and	and	CCONJ
ajfti-2098	237	14	visionaries	visionary	NOUN
ajfti-2098	237	15	in	in	ADP
ajfti-2098	237	16	regulation	regulation	NOUN
ajfti-2098	237	17	.	.	PUNCT
ajfti-2098	238	1	john	john	PROPN
ajfti-2098	238	2	wiley	wiley	PROPN
ajfti-2098	238	3	&	&	CCONJ
ajfti-2098	238	4	sons	son	NOUN
ajfti-2098	238	5	.	.	PUNCT
ajfti-2098	239	1	bertillo	bertillo	PROPN
ajfti-2098	239	2	,	,	PUNCT
ajfti-2098	239	3	j.	j.	PROPN
ajfti-2098	239	4	b.	b.	PROPN
ajfti-2098	239	5	,	,	PUNCT
ajfti-2098	239	6	&	&	CCONJ
ajfti-2098	239	7	bertillo	bertillo	PROPN
ajfti-2098	239	8	,	,	PUNCT
ajfti-2098	239	9	e.	e.	PROPN
ajfti-2098	239	10	b.	b.	PROPN
ajfti-2098	239	11	(	(	PUNCT
ajfti-2098	239	12	2022	2022	NUM
ajfti-2098	239	13	)	)	PUNCT
ajfti-2098	239	14	.	.	PUNCT
ajfti-2098	240	1	the	the	DET
ajfti-2098	240	2	role	role	NOUN
ajfti-2098	240	3	of	of	ADP
ajfti-2098	240	4	islamic	islamic	ADJ
ajfti-2098	240	5	financial	financial	ADJ
ajfti-2098	240	6	systems	system	NOUN
ajfti-2098	240	7	and	and	CCONJ
ajfti-2098	240	8	banking	banking	NOUN
ajfti-2098	240	9	institutions	institution	NOUN
ajfti-2098	240	10	in	in	ADP
ajfti-2098	240	11	global	global	ADJ
ajfti-2098	240	12	economic	economic	ADJ
ajfti-2098	240	13	recovery	recovery	NOUN
ajfti-2098	240	14	.	.	PUNCT
ajfti-2098	241	1	available	available	ADJ
ajfti-2098	241	2	at	at	ADP
ajfti-2098	241	3	ssrn	ssrn	PROPN
ajfti-2098	241	4	4116857	4116857	NUM
ajfti-2098	241	5	.	.	PUNCT
ajfti-2098	242	1	bhasin	bhasin	PROPN
ajfti-2098	242	2	,	,	PUNCT
ajfti-2098	242	3	n.	n.	PROPN
ajfti-2098	242	4	k.	k.	PROPN
ajfti-2098	242	5	,	,	PUNCT
ajfti-2098	242	6	&	&	CCONJ
ajfti-2098	242	7	rajesh	rajesh	PROPN
ajfti-2098	242	8	,	,	PUNCT
ajfti-2098	242	9	a.	a.	NOUN
ajfti-2098	242	10	(	(	PUNCT
ajfti-2098	242	11	2018	2018	NUM
ajfti-2098	242	12	)	)	PUNCT
ajfti-2098	242	13	.	.	PUNCT
ajfti-2098	243	1	a	a	DET
ajfti-2098	243	2	study	study	NOUN
ajfti-2098	243	3	of	of	ADP
ajfti-2098	243	4	digital	digital	ADJ
ajfti-2098	243	5	payments	payment	NOUN
ajfti-2098	243	6	:	:	PUNCT
ajfti-2098	243	7	trends	trend	NOUN
ajfti-2098	243	8	,	,	PUNCT
ajfti-2098	243	9	challenges	challenge	NOUN
ajfti-2098	243	10	and	and	CCONJ
ajfti-2098	243	11	implementation	implementation	NOUN
ajfti-2098	243	12	in	in	ADP
ajfti-2098	243	13	indian	indian	ADJ
ajfti-2098	243	14	banking	banking	NOUN
ajfti-2098	243	15	system	system	NOUN
ajfti-2098	243	16	.	.	PUNCT
ajfti-2098	244	1	international	international	ADJ
ajfti-2098	244	2	journal	journal	PROPN
ajfti-2098	244	3	of	of	ADP
ajfti-2098	244	4	virtual	virtual	ADJ
ajfti-2098	244	5	communities	community	NOUN
ajfti-2098	244	6	and	and	CCONJ
ajfti-2098	244	7	social	social	ADJ
ajfti-2098	244	8	networking	networking	NOUN
ajfti-2098	244	9	(	(	PUNCT
ajfti-2098	244	10	ijvcsn	ijvcsn	NOUN
ajfti-2098	244	11	)	)	PUNCT
ajfti-2098	244	12	,	,	PUNCT
ajfti-2098	244	13	10(1	10(1	NUM
ajfti-2098	244	14	)	)	PUNCT
ajfti-2098	244	15	,	,	PUNCT
ajfti-2098	244	16	4664	4664	NUM
ajfti-2098	244	17	.	.	PUNCT
ajfti-2098	245	1	botosh	botosh	PROPN
ajfti-2098	245	2	,	,	PUNCT
ajfti-2098	245	3	h.	h.	PROPN
ajfti-2098	245	4	(	(	PUNCT
ajfti-2098	245	5	2020	2020	NUM
ajfti-2098	245	6	)	)	PUNCT
ajfti-2098	245	7	.	.	PUNCT
ajfti-2098	246	1	trade	trade	NOUN
ajfti-2098	246	2	finance	finance	NOUN
ajfti-2098	246	3	in	in	ADP
ajfti-2098	246	4	qatar	qatar	PROPN
ajfti-2098	246	5	:	:	PUNCT
ajfti-2098	247	1	blockchain	blockchain	PROPN
ajfti-2098	247	2	and	and	CCONJ
ajfti-2098	247	3	economic	economic	ADJ
ajfti-2098	247	4	diversification	diversification	NOUN
ajfti-2098	247	5	.	.	PUNCT
ajfti-2098	248	1	casula	casula	PROPN
ajfti-2098	248	2	,	,	PUNCT
ajfti-2098	248	3	m.	m.	NOUN
ajfti-2098	248	4	,	,	PUNCT
ajfti-2098	248	5	rangarajan	rangarajan	NOUN
ajfti-2098	248	6	,	,	PUNCT
ajfti-2098	248	7	n.	n.	NOUN
ajfti-2098	248	8	,	,	PUNCT
ajfti-2098	248	9	&	&	CCONJ
ajfti-2098	248	10	shields	shield	NOUN
ajfti-2098	248	11	,	,	PUNCT
ajfti-2098	248	12	p.	p.	NOUN
ajfti-2098	248	13	(	(	PUNCT
ajfti-2098	248	14	2021	2021	NUM
ajfti-2098	248	15	)	)	PUNCT
ajfti-2098	248	16	.	.	PUNCT
ajfti-2098	249	1	the	the	DET
ajfti-2098	249	2	potential	potential	NOUN
ajfti-2098	249	3	of	of	ADP
ajfti-2098	249	4	working	work	VERB
ajfti-2098	249	5	hypotheses	hypothesis	NOUN
ajfti-2098	249	6	for	for	ADP
ajfti-2098	249	7	deductive	deductive	ADJ
ajfti-2098	249	8	exploratory	exploratory	ADJ
ajfti-2098	249	9	research	research	NOUN
ajfti-2098	249	10	.	.	PUNCT
ajfti-2098	250	1	quality	quality	NOUN
ajfti-2098	250	2	&	&	CCONJ
ajfti-2098	250	3	quantity	quantity	NOUN
ajfti-2098	250	4	,	,	PUNCT
ajfti-2098	250	5	55(5	55(5	NUM
ajfti-2098	250	6	)	)	PUNCT
ajfti-2098	250	7	,	,	PUNCT
ajfti-2098	250	8	17031725	17031725	NUM
ajfti-2098	250	9	.	.	PUNCT
ajfti-2098	251	1	chishti	chishti	PROPN
ajfti-2098	251	2	,	,	PUNCT
ajfti-2098	251	3	s.	s.	PROPN
ajfti-2098	251	4	,	,	PUNCT
ajfti-2098	251	5	&	&	CCONJ
ajfti-2098	251	6	barberis	barberis	PROPN
ajfti-2098	251	7	,	,	PUNCT
ajfti-2098	251	8	j.	j.	PROPN
ajfti-2098	251	9	(	(	PUNCT
ajfti-2098	251	10	2016	2016	NUM
ajfti-2098	251	11	)	)	PUNCT
ajfti-2098	251	12	.	.	PUNCT
ajfti-2098	252	1	the	the	DET
ajfti-2098	252	2	fintech	fintech	NOUN
ajfti-2098	252	3	book	book	NOUN
ajfti-2098	252	4	:	:	PUNCT
ajfti-2098	252	5	the	the	DET
ajfti-2098	252	6	financial	financial	ADJ
ajfti-2098	252	7	technology	technology	NOUN
ajfti-2098	252	8	handbook	handbook	NOUN
ajfti-2098	252	9	for	for	ADP
ajfti-2098	252	10	investors	investor	NOUN
ajfti-2098	252	11	,	,	PUNCT
ajfti-2098	252	12	entrepreneurs	entrepreneur	NOUN
ajfti-2098	252	13	and	and	CCONJ
ajfti-2098	252	14	visionaries	visionary	NOUN
ajfti-2098	252	15	.	.	PUNCT
ajfti-2098	253	1	john	john	PROPN
ajfti-2098	253	2	wiley	wiley	PROPN
ajfti-2098	253	3	&	&	CCONJ
ajfti-2098	253	4	sons	son	NOUN
ajfti-2098	253	5	.	.	PUNCT
ajfti-2098	254	1	deloitte	deloitte	PROPN
ajfti-2098	254	2	.	.	PUNCT
ajfti-2098	255	1	(	(	PUNCT
ajfti-2098	255	2	2021	2021	NUM
ajfti-2098	255	3	)	)	PUNCT
ajfti-2098	255	4	.	.	PUNCT
ajfti-2098	256	1	digital	digital	ADJ
ajfti-2098	256	2	transformation	transformation	NOUN
ajfti-2098	256	3	report	report	NOUN
ajfti-2098	256	4	.	.	PUNCT
ajfti-2098	257	1	retrieved	retrieve	VERB
ajfti-2098	257	2	september	september	PROPN
ajfti-2098	257	3	25	25	NUM
ajfti-2098	257	4	,	,	PUNCT
ajfti-2098	257	5	2023	2023	NUM
ajfti-2098	257	6	,	,	PUNCT
ajfti-2098	257	7	from	from	ADP
ajfti-2098	257	8	https://www2.deloitte	https://www2.deloitte	NOUN
ajfti-2098	257	9	.	.	PUNCT
ajfti-2098	257	10	com	com	NOUN
ajfti-2098	257	11	/	/	SYM
ajfti-2098	257	12	us	us	PROPN
ajfti-2098	257	13	/	/	SYM
ajfti-2098	257	14	en	en	NOUN
ajfti-2098	257	15	/	/	SYM
ajfti-2098	257	16	insights	insight	NOUN
ajfti-2098	257	17	/	/	SYM
ajfti-2098	257	18	topics	topic	NOUN
ajfti-2098	257	19	/	/	SYM
ajfti-2098	257	20	digital	digital	ADJ
ajfti-2098	257	21	-	-	PUNCT
ajfti-2098	257	22	transformation	transformation	NOUN
ajfti-2098	257	23	.	.	PUNCT
ajfti-2098	258	1	html	html	PROPN
ajfti-2098	258	2	elasrag	elasrag	PROPN
ajfti-2098	258	3	,	,	PUNCT
ajfti-2098	258	4	h.	h.	PROPN
ajfti-2098	258	5	(	(	PUNCT
ajfti-2098	258	6	2019	2019	NUM
ajfti-2098	258	7	)	)	PUNCT
ajfti-2098	258	8	.	.	PUNCT
ajfti-2098	259	1	islamic	islamic	PROPN
ajfti-2098	259	2	finance	finance	PROPN
ajfti-2098	259	3	:	:	PUNCT
ajfti-2098	259	4	new	new	ADJ
ajfti-2098	259	5	issues	issue	NOUN
ajfti-2098	259	6	and	and	CCONJ
ajfti-2098	259	7	steps	step	NOUN
ajfti-2098	259	8	forward	forward	ADV
ajfti-2098	259	9	.	.	PUNCT
ajfti-2098	260	1	hussein	hussein	PROPN
ajfti-2098	260	2	elasrag	elasrag	PROPN
ajfti-2098	260	3	.	.	PUNCT
ajfti-2098	261	1	gherbi	gherbi	PROPN
ajfti-2098	261	2	,	,	PUNCT
ajfti-2098	261	3	a.	a.	NOUN
ajfti-2098	261	4	a.	a.	NOUN
ajfti-2098	261	5	(	(	PUNCT
ajfti-2098	261	6	2021	2021	NUM
ajfti-2098	261	7	)	)	PUNCT
ajfti-2098	261	8	.	.	PUNCT
ajfti-2098	262	1	the	the	DET
ajfti-2098	262	2	industry	industry	NOUN
ajfti-2098	262	3	of	of	ADP
ajfti-2098	262	4	financial	financial	ADJ
ajfti-2098	262	5	risks	risk	NOUN
ajfti-2098	262	6	and	and	CCONJ
ajfti-2098	262	7	its	its	PRON
ajfti-2098	262	8	management	management	NOUN
ajfti-2098	262	9	:	:	PUNCT
ajfti-2098	262	10	from	from	ADP
ajfti-2098	262	11	a	a	DET
ajfti-2098	262	12	banking	banking	NOUN
ajfti-2098	262	13	and	and	CCONJ
ajfti-2098	262	14	insurance	insurance	NOUN
ajfti-2098	262	15	perspective	perspective	NOUN
ajfti-2098	262	16	.	.	PUNCT
ajfti-2098	263	1	glavina	glavina	PROPN
ajfti-2098	263	2	,	,	PUNCT
ajfti-2098	263	3	s.	s.	PROPN
ajfti-2098	263	4	,	,	PUNCT
ajfti-2098	263	5	aidrus	aidrus	NOUN
ajfti-2098	263	6	,	,	PUNCT
ajfti-2098	263	7	i.	i.	NOUN
ajfti-2098	263	8	,	,	PUNCT
ajfti-2098	263	9	&	&	CCONJ
ajfti-2098	263	10	trusova	trusova	PROPN
ajfti-2098	263	11	,	,	PUNCT
ajfti-2098	263	12	a.	a.	NOUN
ajfti-2098	263	13	(	(	PUNCT
ajfti-2098	263	14	2021	2021	NUM
ajfti-2098	263	15	)	)	PUNCT
ajfti-2098	263	16	.	.	PUNCT
ajfti-2098	264	1	assessment	assessment	NOUN
ajfti-2098	264	2	of	of	ADP
ajfti-2098	264	3	the	the	DET
ajfti-2098	264	4	competitiveness	competitiveness	NOUN
ajfti-2098	264	5	of	of	ADP
ajfti-2098	264	6	islamic	islamic	ADJ
ajfti-2098	264	7	fintech	fintech	NOUN
ajfti-2098	264	8	implementation	implementation	NOUN
ajfti-2098	264	9	:	:	PUNCT
ajfti-2098	264	10	a	a	DET
ajfti-2098	264	11	composite	composite	ADJ
ajfti-2098	264	12	indicator	indicator	NOUN
ajfti-2098	264	13	for	for	ADP
ajfti-2098	264	14	crosscountry	crosscountry	PROPN
ajfti-2098	264	15	analysis	analysis	NOUN
ajfti-2098	264	16	.	.	PUNCT
ajfti-2098	265	1	journal	journal	NOUN
ajfti-2098	265	2	of	of	ADP
ajfti-2098	265	3	risk	risk	NOUN
ajfti-2098	265	4	and	and	CCONJ
ajfti-2098	265	5	financial	financial	ADJ
ajfti-2098	265	6	management	management	NOUN
ajfti-2098	265	7	,	,	PUNCT
ajfti-2098	265	8	14(12	14(12	NUM
ajfti-2098	265	9	)	)	PUNCT
ajfti-2098	265	10	,	,	PUNCT
ajfti-2098	265	11	602	602	NUM
ajfti-2098	265	12	.	.	PUNCT
ajfti-2098	266	1	https://www.mdpi	https://www.mdpi	NOUN
ajfti-2098	266	2	.	.	PUNCT
ajfti-2098	267	1	com/1911	com/1911	PROPN
ajfti-2098	267	2	-	-	PUNCT
ajfti-2098	267	3	8074/14/12/602	8074/14/12/602	PROPN
ajfti-2098	267	4	hassan	hassan	PROPN
ajfti-2098	267	5	,	,	PUNCT
ajfti-2098	267	6	m.	m.	PROPN
ajfti-2098	267	7	k.	k.	PROPN
ajfti-2098	267	8	,	,	PUNCT
ajfti-2098	267	9	aliyu	aliyu	PROPN
ajfti-2098	267	10	,	,	PUNCT
ajfti-2098	267	11	s.	s.	PROPN
ajfti-2098	267	12	,	,	PUNCT
ajfti-2098	267	13	&	&	CCONJ
ajfti-2098	267	14	hussain	hussain	PROPN
ajfti-2098	267	15	,	,	PUNCT
ajfti-2098	267	16	m.	m.	NOUN
ajfti-2098	267	17	(	(	PUNCT
ajfti-2098	267	18	2022	2022	NUM
ajfti-2098	267	19	)	)	PUNCT
ajfti-2098	267	20	.	.	PUNCT
ajfti-2098	268	1	a	a	DET
ajfti-2098	268	2	contemporary	contemporary	ADJ
ajfti-2098	268	3	review	review	NOUN
ajfti-2098	268	4	of	of	ADP
ajfti-2098	268	5	islamic	islamic	ADJ
ajfti-2098	268	6	finance	finance	PROPN
ajfti-2098	268	7	and	and	CCONJ
ajfti-2098	268	8	accounting	accounting	NOUN
ajfti-2098	268	9	literature	literature	NOUN
ajfti-2098	268	10	.	.	PUNCT
ajfti-2098	269	1	the	the	DET
ajfti-2098	269	2	singapore	singapore	PROPN
ajfti-2098	269	3	economic	economic	PROPN
ajfti-2098	269	4	review	review	PROPN
ajfti-2098	269	5	,	,	PUNCT
ajfti-2098	269	6	67(01	67(01	NOUN
ajfti-2098	269	7	)	)	PUNCT
ajfti-2098	269	8	,	,	PUNCT
ajfti-2098	269	9	7	7	NUM
ajfti-2098	269	10	-	-	SYM
ajfti-2098	269	11	44	44	NUM
ajfti-2098	269	12	.	.	PUNCT
ajfti-2098	270	1	imf	imf	PROPN
ajfti-2098	270	2	.	.	PUNCT
ajfti-2098	270	3	(	(	PUNCT
ajfti-2098	270	4	2023	2023	NUM
ajfti-2098	270	5	)	)	PUNCT
ajfti-2098	270	6	.	.	PUNCT
ajfti-2098	271	1	islamic	islamic	PROPN
ajfti-2098	271	2	finance	finance	PROPN
ajfti-2098	271	3	.	.	PUNCT
ajfti-2098	272	1	kadi	kadi	PROPN
ajfti-2098	272	2	,	,	PUNCT
ajfti-2098	272	3	s.	s.	PROPN
ajfti-2098	272	4	(	(	PUNCT
ajfti-2098	272	5	2023	2023	NUM
ajfti-2098	272	6	)	)	PUNCT
ajfti-2098	272	7	.	.	PUNCT
ajfti-2098	273	1	shaping	shape	VERB
ajfti-2098	273	2	the	the	DET
ajfti-2098	273	3	future	future	NOUN
ajfti-2098	273	4	of	of	ADP
ajfti-2098	273	5	islamic	islamic	ADJ
ajfti-2098	273	6	banking	banking	NOUN
ajfti-2098	273	7	and	and	CCONJ
ajfti-2098	273	8	finance	finance	NOUN
ajfti-2098	273	9	:	:	PUNCT
ajfti-2098	273	10	a	a	DET
ajfti-2098	273	11	legal	legal	ADJ
ajfti-2098	273	12	perspective	perspective	NOUN
ajfti-2098	273	13	international	international	ADJ
ajfti-2098	273	14	journal	journal	NOUN
ajfti-2098	273	15	of	of	ADP
ajfti-2098	273	16	islamic	islamic	PROPN
ajfti-2098	273	17	banking	banking	PROPN
ajfti-2098	273	18	and	and	CCONJ
ajfti-2098	273	19	finance	finance	NOUN
ajfti-2098	273	20	research	research	NOUN
ajfti-2098	273	21	,	,	PUNCT
ajfti-2098	273	22	11(2	11(2	NOUN
ajfti-2098	273	23	)	)	PUNCT
ajfti-2098	273	24	,	,	PUNCT
ajfti-2098	273	25	1	1	NUM
ajfti-2098	273	26	-	-	SYM
ajfti-2098	273	27	19	19	NUM
ajfti-2098	273	28	.	.	PUNCT
ajfti-2098	274	1	kpmg	kpmg	PROPN
ajfti-2098	274	2	.	.	PUNCT
ajfti-2098	275	1	(	(	PUNCT
ajfti-2098	275	2	2020	2020	NUM
ajfti-2098	275	3	)	)	PUNCT
ajfti-2098	275	4	.	.	PUNCT
ajfti-2098	276	1	sri	sri	PROPN
ajfti-2098	276	2	lanka	lanka	PROPN
ajfti-2098	276	3	insurance	insurance	PROPN
ajfti-2098	276	4	industry	industry	NOUN
ajfti-2098	276	5	report	report	NOUN
ajfti-2098	276	6	2020	2020	NUM
ajfti-2098	276	7	.	.	PUNCT
ajfti-2098	277	1	lee	lee	PROPN
ajfti-2098	277	2	,	,	PUNCT
ajfti-2098	277	3	h.	h.	PROPN
ajfti-2098	277	4	s.	s.	PROPN
ajfti-2098	277	5	,	,	PUNCT
ajfti-2098	277	6	cheng	cheng	PROPN
ajfti-2098	277	7	,	,	PUNCT
ajfti-2098	277	8	f.	f.	PROPN
ajfti-2098	277	9	f.	f.	PROPN
ajfti-2098	277	10	,	,	PUNCT
ajfti-2098	277	11	har	har	PROPN
ajfti-2098	277	12	,	,	PUNCT
ajfti-2098	277	13	w.	w.	PROPN
ajfti-2098	277	14	m.	m.	PROPN
ajfti-2098	277	15	,	,	PUNCT
ajfti-2098	277	16	md	md	PROPN
ajfti-2098	277	17	nassir	nassir	PROPN
ajfti-2098	277	18	,	,	PUNCT
ajfti-2098	277	19	a.	a.	PROPN
ajfti-2098	277	20	,	,	PUNCT
ajfti-2098	277	21	&	&	CCONJ
ajfti-2098	277	22	ab	ab	PROPN
ajfti-2098	277	23	razak	razak	PROPN
ajfti-2098	277	24	,	,	PUNCT
ajfti-2098	277	25	n.	n.	PROPN
ajfti-2098	277	26	h.	h.	PROPN
ajfti-2098	277	27	(	(	PUNCT
ajfti-2098	277	28	2019	2019	NUM
ajfti-2098	277	29	)	)	PUNCT
ajfti-2098	277	30	.	.	PUNCT
ajfti-2098	278	1	efficiency	efficiency	NOUN
ajfti-2098	278	2	,	,	PUNCT
ajfti-2098	278	3	firm	firm	NOUN
ajfti-2098	278	4	-	-	PUNCT
ajfti-2098	278	5	specific	specific	ADJ
ajfti-2098	278	6	and	and	CCONJ
ajfti-2098	278	7	corporate	corporate	ADJ
ajfti-2098	278	8	governance	governance	NOUN
ajfti-2098	278	9	factors	factor	NOUN
ajfti-2098	278	10	of	of	ADP
ajfti-2098	278	11	the	the	DET
ajfti-2098	278	12	takaful	takaful	ADJ
ajfti-2098	278	13	insurance	insurance	NOUN
ajfti-2098	278	14	.	.	PUNCT
ajfti-2098	279	1	international	international	ADJ
ajfti-2098	279	2	journal	journal	PROPN
ajfti-2098	279	3	of	of	ADP
ajfti-2098	279	4	islamic	islamic	ADJ
ajfti-2098	279	5	and	and	CCONJ
ajfti-2098	279	6	middle	middle	ADJ
ajfti-2098	279	7	eastern	eastern	ADJ
ajfti-2098	279	8	finance	finance	NOUN
ajfti-2098	279	9	and	and	CCONJ
ajfti-2098	279	10	management	management	NOUN
ajfti-2098	279	11	,	,	PUNCT
ajfti-2098	279	12	12(3	12(3	NUM
ajfti-2098	279	13	)	)	PUNCT
ajfti-2098	279	14	,	,	PUNCT
ajfti-2098	279	15	368	368	NUM
ajfti-2098	279	16	-	-	SYM
ajfti-2098	279	17	387	387	NUM
ajfti-2098	279	18	.	.	PUNCT
ajfti-2098	279	19	malik	malik	PROPN
ajfti-2098	279	20	,	,	PUNCT
ajfti-2098	279	21	a.	a.	PROPN
ajfti-2098	279	22	,	,	PUNCT
ajfti-2098	279	23	ullah	ullah	PROPN
ajfti-2098	279	24	,	,	PUNCT
ajfti-2098	279	25	k.	k.	PROPN
ajfti-2098	279	26	,	,	PUNCT
ajfti-2098	279	27	malik	malik	PROPN
ajfti-2098	279	28	,	,	PUNCT
ajfti-2098	279	29	a.	a.	PROPN
ajfti-2098	279	30	,	,	PUNCT
ajfti-2098	279	31	&	&	CCONJ
ajfti-2098	279	32	ullah	ullah	PROPN
ajfti-2098	279	33	,	,	PUNCT
ajfti-2098	279	34	k.	k.	PROPN
ajfti-2098	279	35	(	(	PUNCT
ajfti-2098	279	36	2019	2019	NUM
ajfti-2098	279	37	)	)	PUNCT
ajfti-2098	279	38	.	.	PUNCT
ajfti-2098	280	1	distribution	distribution	NOUN
ajfti-2098	280	2	channels	channel	NOUN
ajfti-2098	280	3	.	.	PUNCT
ajfti-2098	281	1	introduction	introduction	NOUN
ajfti-2098	281	2	to	to	ADP
ajfti-2098	281	3	takaful	takaful	ADJ
ajfti-2098	281	4	:	:	PUNCT
ajfti-2098	281	5	theory	theory	NOUN
ajfti-2098	281	6	and	and	CCONJ
ajfti-2098	281	7	practice	practice	NOUN
ajfti-2098	281	8	,	,	PUNCT
ajfti-2098	281	9	121	121	NUM
ajfti-2098	281	10	-	-	SYM
ajfti-2098	281	11	127	127	NUM
ajfti-2098	281	12	.	.	PUNCT
ajfti-2098	282	1	malik	malik	PROPN
ajfti-2098	282	2	,	,	PUNCT
ajfti-2098	282	3	a.	a.	PROPN
ajfti-2098	282	4	,	,	PUNCT
ajfti-2098	282	5	wahab	wahab	PROPN
ajfti-2098	282	6	,	,	PUNCT
ajfti-2098	282	7	m.	m.	NOUN
ajfti-2098	282	8	,	,	PUNCT
ajfti-2098	282	9	&	&	CCONJ
ajfti-2098	282	10	iqbal	iqbal	PROPN
ajfti-2098	282	11	,	,	PUNCT
ajfti-2098	282	12	s.	s.	PROPN
ajfti-2098	282	13	(	(	PUNCT
ajfti-2098	282	14	2018	2018	NUM
ajfti-2098	282	15	)	)	PUNCT
ajfti-2098	282	16	.	.	PUNCT
ajfti-2098	283	1	agency	agency	NOUN
ajfti-2098	283	2	problem	problem	NOUN
ajfti-2098	283	3	in	in	ADP
ajfti-2098	283	4	wakala	wakala	NOUN
ajfti-2098	283	5	with	with	ADP
ajfti-2098	283	6	waqf	waqf	ADJ
ajfti-2098	283	7	(	(	PUNCT
ajfti-2098	283	8	principal	principal	ADJ
ajfti-2098	283	9	–	–	PUNCT
ajfti-2098	283	10	agent	agent	NOUN
ajfti-2098	283	11	)	)	PUNCT
ajfti-2098	283	12	model	model	NOUN
ajfti-2098	283	13	of	of	ADP
ajfti-2098	283	14	takaful	takaful	ADJ
ajfti-2098	283	15	.	.	PUNCT
ajfti-2098	284	1	abasyn	abasyn	PROPN
ajfti-2098	284	2	university	university	PROPN
ajfti-2098	284	3	journal	journal	NOUN
ajfti-2098	284	4	of	of	ADP
ajfti-2098	284	5	social	social	ADJ
ajfti-2098	284	6	sciences	science	NOUN
ajfti-2098	284	7	(	(	PUNCT
ajfti-2098	284	8	ajss	ajss	NOUN
ajfti-2098	284	9	)	)	PUNCT
ajfti-2098	284	10	,	,	PUNCT
ajfti-2098	284	11	11(special	11(special	ADJ
ajfti-2098	284	12	issue	issue	NOUN
ajfti-2098	284	13	-	-	PUNCT
ajfti-2098	284	14	aictbm	aictbm	NOUN
ajfti-2098	284	15	)	)	PUNCT
ajfti-2098	284	16	.	.	PUNCT
ajfti-2098	285	1	mohajan	mohajan	PROPN
ajfti-2098	285	2	,	,	PUNCT
ajfti-2098	285	3	h.	h.	PROPN
ajfti-2098	285	4	k.	k.	PROPN
ajfti-2098	285	5	(	(	PUNCT
ajfti-2098	285	6	2020	2020	NUM
ajfti-2098	285	7	)	)	PUNCT
ajfti-2098	285	8	.	.	PUNCT
ajfti-2098	286	1	quantitative	quantitative	ADJ
ajfti-2098	286	2	research	research	NOUN
ajfti-2098	286	3	:	:	PUNCT
ajfti-2098	286	4	a	a	DET
ajfti-2098	286	5	successful	successful	ADJ
ajfti-2098	286	6	investigation	investigation	NOUN
ajfti-2098	286	7	in	in	ADP
ajfti-2098	286	8	natural	natural	ADJ
ajfti-2098	286	9	and	and	CCONJ
ajfti-2098	286	10	social	social	ADJ
ajfti-2098	286	11	sciences	science	NOUN
ajfti-2098	286	12	.	.	PUNCT
ajfti-2098	287	1	journal	journal	PROPN
ajfti-2098	287	2	of	of	ADP
ajfti-2098	287	3	economic	economic	ADJ
ajfti-2098	287	4	development	development	NOUN
ajfti-2098	287	5	,	,	PUNCT
ajfti-2098	287	6	environment	environment	NOUN
ajfti-2098	287	7	and	and	CCONJ
ajfti-2098	287	8	people	people	NOUN
ajfti-2098	287	9	,	,	PUNCT
ajfti-2098	287	10	9(4	9(4	NOUN
ajfti-2098	287	11	)	)	PUNCT
ajfti-2098	287	12	,	,	PUNCT
ajfti-2098	287	13	50	50	NUM
ajfti-2098	287	14	-	-	SYM
ajfti-2098	287	15	79	79	NUM
ajfti-2098	287	16	.	.	PUNCT
ajfti-2098	288	1	mohamed	mohamed	PROPN
ajfti-2098	288	2	,	,	PUNCT
ajfti-2098	288	3	h.	h.	PROPN
ajfti-2098	288	4	(	(	PUNCT
ajfti-2098	288	5	2021	2021	NUM
ajfti-2098	288	6	)	)	PUNCT
ajfti-2098	288	7	.	.	PUNCT
ajfti-2098	289	1	beyond	beyond	ADP
ajfti-2098	289	2	fintech	fintech	NOUN
ajfti-2098	289	3	:	:	PUNCT
ajfti-2098	289	4	technology	technology	NOUN
ajfti-2098	289	5	applications	application	NOUN
ajfti-2098	289	6	for	for	ADP
ajfti-2098	289	7	the	the	DET
ajfti-2098	289	8	islamic	islamic	ADJ
ajfti-2098	289	9	economy	economy	NOUN
ajfti-2098	289	10	.	.	PUNCT
ajfti-2098	290	1	world	world	NOUN
ajfti-2098	290	2	scientific	scientific	PROPN
ajfti-2098	290	3	.	.	PUNCT
ajfti-2098	291	1	nayak	nayak	PROPN
ajfti-2098	291	2	,	,	PUNCT
ajfti-2098	291	3	m.	m.	NOUN
ajfti-2098	291	4	,	,	PUNCT
ajfti-2098	291	5	&	&	CCONJ
ajfti-2098	291	6	narayan	narayan	PROPN
ajfti-2098	291	7	,	,	PUNCT
ajfti-2098	291	8	k.	k.	PROPN
ajfti-2098	291	9	(	(	PUNCT
ajfti-2098	291	10	2019	2019	NUM
ajfti-2098	291	11	)	)	PUNCT
ajfti-2098	291	12	.	.	PUNCT
ajfti-2098	292	1	strengths	strength	NOUN
ajfti-2098	292	2	and	and	CCONJ
ajfti-2098	292	3	weaknesses	weakness	NOUN
ajfti-2098	292	4	of	of	ADP
ajfti-2098	292	5	online	online	ADJ
ajfti-2098	292	6	surveys	survey	NOUN
ajfti-2098	292	7	.	.	PUNCT
ajfti-2098	293	1	technology	technology	NOUN
ajfti-2098	293	2	,	,	PUNCT
ajfti-2098	293	3	6(7	6(7	NUM
ajfti-2098	293	4	)	)	PUNCT
ajfti-2098	293	5	,	,	PUNCT
ajfti-2098	293	6	0837	0837	NUM
ajfti-2098	293	7	-	-	SYM
ajfti-2098	293	8	2405053138	2405053138	NUM
ajfti-2098	293	9	.	.	PUNCT
ajfti-2098	294	1	perdana	perdana	PROPN
ajfti-2098	294	2	,	,	PUNCT
ajfti-2098	294	3	a.	a.	PROPN
ajfti-2098	294	4	,	,	PUNCT
ajfti-2098	294	5	&	&	CCONJ
ajfti-2098	294	6	wang	wang	PROPN
ajfti-2098	294	7	,	,	PUNCT
ajfti-2098	294	8	t.	t.	PROPN
ajfti-2098	294	9	(	(	PUNCT
ajfti-2098	294	10	2023	2023	NUM
ajfti-2098	294	11	)	)	PUNCT
ajfti-2098	294	12	.	.	PUNCT
ajfti-2098	295	1	harnessing	harness	VERB
ajfti-2098	295	2	data	datum	NOUN
ajfti-2098	295	3	and	and	CCONJ
ajfti-2098	295	4	embracing	embrace	VERB
ajfti-2098	295	5	digital	digital	ADJ
ajfti-2098	295	6	strategy	strategy	NOUN
ajfti-2098	295	7	at	at	ADP
ajfti-2098	295	8	zalora	zalora	PROPN
ajfti-2098	295	9	.	.	PUNCT
ajfti-2098	296	1	journal	journal	PROPN
ajfti-2098	296	2	of	of	ADP
ajfti-2098	296	3	emerging	emerge	VERB
ajfti-2098	296	4	technologies	technology	NOUN
ajfti-2098	296	5	in	in	ADP
ajfti-2098	296	6	accounting	accounting	NOUN
ajfti-2098	296	7	,	,	PUNCT
ajfti-2098	296	8	20(1	20(1	NUM
ajfti-2098	296	9	)	)	PUNCT
ajfti-2098	296	10	,	,	PUNCT
ajfti-2098	296	11	111	111	NUM
ajfti-2098	296	12	-	-	SYM
ajfti-2098	296	13	123	123	NUM
ajfti-2098	296	14	.	.	PUNCT
ajfti-2098	297	1	rabbani	rabbani	PROPN
ajfti-2098	297	2	,	,	PUNCT
ajfti-2098	297	3	m.	m.	PROPN
ajfti-2098	297	4	r.	r.	PROPN
ajfti-2098	297	5	,	,	PUNCT
ajfti-2098	297	6	hassan	hassan	PROPN
ajfti-2098	297	7	,	,	PUNCT
ajfti-2098	297	8	m.	m.	PROPN
ajfti-2098	297	9	k.	k.	PROPN
ajfti-2098	297	10	,	,	PUNCT
ajfti-2098	297	11	&	&	CCONJ
ajfti-2098	297	12	rashid	rashid	PROPN
ajfti-2098	297	13	,	,	PUNCT
ajfti-2098	297	14	m.	m.	NOUN
ajfti-2098	297	15	(	(	PUNCT
ajfti-2098	297	16	2022	2022	NUM
ajfti-2098	297	17	)	)	PUNCT
ajfti-2098	297	18	.	.	PUNCT
ajfti-2098	298	1	introduction	introduction	NOUN
ajfti-2098	298	2	to	to	ADP
ajfti-2098	298	3	islamic	islamic	ADJ
ajfti-2098	298	4	fintech	fintech	NOUN
ajfti-2098	298	5	:	:	PUNCT
ajfti-2098	298	6	a	a	DET
ajfti-2098	298	7	challenge	challenge	NOUN
ajfti-2098	298	8	or	or	CCONJ
ajfti-2098	298	9	an	an	DET
ajfti-2098	298	10	opportunity	opportunity	NOUN
ajfti-2098	298	11	?	?	PUNCT
ajfti-2098	299	1	in	in	ADP
ajfti-2098	299	2	fintech	fintech	NOUN
ajfti-2098	299	3	in	in	ADP
ajfti-2098	299	4	islamic	islamic	ADJ
ajfti-2098	299	5	financial	financial	ADJ
ajfti-2098	299	6	institutions	institution	NOUN
ajfti-2098	299	7	:	:	PUNCT
ajfti-2098	299	8	scope	scope	NOUN
ajfti-2098	299	9	,	,	PUNCT
ajfti-2098	299	10	challenges	challenge	NOUN
ajfti-2098	299	11	,	,	PUNCT
ajfti-2098	299	12	and	and	CCONJ
ajfti-2098	299	13	implications	implication	NOUN
ajfti-2098	299	14	in	in	ADP
ajfti-2098	299	15	islamic	islamic	ADJ
ajfti-2098	299	16	finance	finance	NOUN
ajfti-2098	299	17	(	(	PUNCT
ajfti-2098	299	18	pp	pp	ADJ
ajfti-2098	299	19	.	.	PUNCT
ajfti-2098	299	20	1	1	NUM
ajfti-2098	299	21	-	-	SYM
ajfti-2098	299	22	27	27	NUM
ajfti-2098	299	23	)	)	PUNCT
ajfti-2098	299	24	.	.	PUNCT
ajfti-2098	300	1	springer	springer	NOUN
ajfti-2098	300	2	.	.	PUNCT
ajfti-2098	301	1	shah	shah	PROPN
ajfti-2098	301	2	,	,	PUNCT
ajfti-2098	301	3	f.	f.	PROPN
ajfti-2098	301	4	,	,	PUNCT
ajfti-2098	301	5	liu	liu	PROPN
ajfti-2098	301	6	,	,	PUNCT
ajfti-2098	301	7	y.	y.	PROPN
ajfti-2098	301	8	,	,	PUNCT
ajfti-2098	301	9	anwar	anwar	PROPN
ajfti-2098	301	10	,	,	PUNCT
ajfti-2098	301	11	a.	a.	NOUN
ajfti-2098	301	12	,	,	PUNCT
ajfti-2098	301	13	shah	shah	NOUN
ajfti-2098	301	14	,	,	PUNCT
ajfti-2098	301	15	y.	y.	NOUN
ajfti-2098	301	16	,	,	PUNCT
ajfti-2098	301	17	alroobaea	alroobaea	NOUN
ajfti-2098	301	18	,	,	PUNCT
ajfti-2098	301	19	r.	r.	PROPN
ajfti-2098	301	20	,	,	PUNCT
ajfti-2098	301	21	hussain	hussain	PROPN
ajfti-2098	301	22	,	,	PUNCT
ajfti-2098	301	23	s.	s.	PROPN
ajfti-2098	301	24	,	,	PUNCT
ajfti-2098	301	25	&	&	CCONJ
ajfti-2098	301	26	ullah	ullah	PROPN
ajfti-2098	301	27	,	,	PUNCT
ajfti-2098	301	28	s.	s.	PROPN
ajfti-2098	301	29	s.	s.	PROPN
ajfti-2098	301	30	(	(	PUNCT
ajfti-2098	301	31	2022	2022	NUM
ajfti-2098	301	32	)	)	PUNCT
ajfti-2098	301	33	.	.	PUNCT
ajfti-2098	302	1	machine	machine	NOUN
ajfti-2098	302	2	learning	learning	NOUN
ajfti-2098	302	3	:	:	PUNCT
ajfti-2098	302	4	the	the	DET
ajfti-2098	302	5	backbone	backbone	NOUN
ajfti-2098	302	6	of	of	ADP
ajfti-2098	302	7	intelligent	intelligent	ADJ
ajfti-2098	302	8	trade	trade	NOUN
ajfti-2098	302	9	credit	credit	NOUN
ajfti-2098	302	10	-	-	PUNCT
ajfti-2098	302	11	based	base	VERB
ajfti-2098	302	12	systems	system	NOUN
ajfti-2098	302	13	.	.	PUNCT
ajfti-2098	303	1	security	security	NOUN
ajfti-2098	303	2	and	and	CCONJ
ajfti-2098	303	3	communication	communication	NOUN
ajfti-2098	303	4	networks	network	NOUN
ajfti-2098	303	5	,	,	PUNCT
ajfti-2098	303	6	2022	2022	NUM
ajfti-2098	303	7	,	,	PUNCT
ajfti-2098	303	8	1	1	NUM
ajfti-2098	303	9	-	-	SYM
ajfti-2098	303	10	10	10	NUM
ajfti-2098	303	11	.	.	PUNCT
ajfti-2098	304	1	sim	sim	ADJ
ajfti-2098	304	2	,	,	PUNCT
ajfti-2098	304	3	c.	c.	PROPN
ajfti-2098	304	4	s.	s.	PROPN
ajfti-2098	304	5	,	,	PUNCT
ajfti-2098	304	6	&	&	CCONJ
ajfti-2098	304	7	hassan	hassan	PROPN
ajfti-2098	304	8	,	,	PUNCT
ajfti-2098	304	9	a.	a.	PROPN
ajfti-2098	304	10	f.	f.	PROPN
ajfti-2098	304	11	(	(	PUNCT
ajfti-2098	304	12	2019	2019	NUM
ajfti-2098	304	13	)	)	PUNCT
ajfti-2098	304	14	.	.	PUNCT
ajfti-2098	305	1	market	market	NOUN
ajfti-2098	305	2	competition	competition	NOUN
ajfti-2098	305	3	and	and	CCONJ
ajfti-2098	305	4	financial	financial	ADJ
ajfti-2098	305	5	stability	stability	NOUN
ajfti-2098	305	6	:	:	PUNCT
ajfti-2098	305	7	the	the	DET
ajfti-2098	305	8	case	case	NOUN
ajfti-2098	305	9	for	for	ADP
ajfti-2098	305	10	takaful	takaful	ADJ
ajfti-2098	305	11	(	(	PUNCT
ajfti-2098	305	12	islamic	islamic	ADJ
ajfti-2098	305	13	insurance	insurance	NOUN
ajfti-2098	305	14	)	)	PUNCT
ajfti-2098	305	15	market	market	NOUN
ajfti-2098	305	16	.	.	PUNCT
ajfti-2098	306	1	labuan	labuan	PROPN
ajfti-2098	306	2	bulletin	bulletin	NOUN
ajfti-2098	306	3	of	of	ADP
ajfti-2098	306	4	international	international	ADJ
ajfti-2098	306	5	business	business	NOUN
ajfti-2098	306	6	and	and	CCONJ
ajfti-2098	306	7	finance	finance	NOUN
ajfti-2098	306	8	(	(	PUNCT
ajfti-2098	306	9	lbibf	lbibf	NOUN
ajfti-2098	306	10	)	)	PUNCT
ajfti-2098	306	11	,	,	PUNCT
ajfti-2098	306	12	17(1	17(1	NUM
ajfti-2098	306	13	)	)	PUNCT
ajfti-2098	306	14	,	,	PUNCT
ajfti-2098	306	15	76	76	NUM
ajfti-2098	306	16	-	-	SYM
ajfti-2098	306	17	92	92	NUM
ajfti-2098	306	18	.	.	PUNCT
ajfti-2098	307	1	thomas	thomas	PROPN
ajfti-2098	307	2	,	,	PUNCT
ajfti-2098	307	3	f.	f.	PROPN
ajfti-2098	307	4	b.	b.	PROPN
ajfti-2098	307	5	(	(	PUNCT
ajfti-2098	307	6	2022	2022	NUM
ajfti-2098	307	7	)	)	PUNCT
ajfti-2098	307	8	.	.	PUNCT
ajfti-2098	308	1	the	the	DET
ajfti-2098	308	2	role	role	NOUN
ajfti-2098	308	3	of	of	ADP
ajfti-2098	308	4	purposive	purposive	ADJ
ajfti-2098	308	5	sampling	sampling	NOUN
ajfti-2098	308	6	technique	technique	NOUN
ajfti-2098	308	7	as	as	ADP
ajfti-2098	308	8	a	a	DET
ajfti-2098	308	9	tool	tool	NOUN
ajfti-2098	308	10	for	for	ADP
ajfti-2098	308	11	informal	informal	ADJ
ajfti-2098	308	12	choices	choice	NOUN
ajfti-2098	308	13	in	in	ADP
ajfti-2098	308	14	a	a	DET
ajfti-2098	308	15	social	social	ADJ
ajfti-2098	308	16	sciences	science	NOUN
ajfti-2098	308	17	in	in	ADP
ajfti-2098	308	18	research	research	NOUN
ajfti-2098	308	19	methods	method	NOUN
ajfti-2098	308	20	.	.	PUNCT
ajfti-2098	309	1	just	just	ADV
ajfti-2098	309	2	agriculture	agriculture	NOUN
ajfti-2098	309	3	,	,	PUNCT
ajfti-2098	309	4	2(5	2(5	NUM
ajfti-2098	309	5	)	)	PUNCT
ajfti-2098	309	6	,	,	PUNCT
ajfti-2098	309	7	1	1	NUM
ajfti-2098	309	8	-	-	SYM
ajfti-2098	309	9	8	8	NUM
ajfti-2098	309	10	.	.	PUNCT
ajfti-2098	310	1	wang	wang	PROPN
ajfti-2098	310	2	,	,	PUNCT
ajfti-2098	310	3	y.	y.	PROPN
ajfti-2098	310	4	,	,	PUNCT
ajfti-2098	310	5	xiuping	xiuping	PROPN
ajfti-2098	310	6	,	,	PUNCT
ajfti-2098	310	7	s.	s.	PROPN
ajfti-2098	310	8	,	,	PUNCT
ajfti-2098	310	9	&	&	CCONJ
ajfti-2098	310	10	zhang	zhang	PROPN
ajfti-2098	310	11	,	,	PUNCT
ajfti-2098	310	12	q.	q.	PROPN
ajfti-2098	310	13	(	(	PUNCT
ajfti-2098	310	14	2021	2021	NUM
ajfti-2098	310	15	)	)	PUNCT
ajfti-2098	310	16	.	.	PUNCT
ajfti-2098	311	1	can	can	AUX
ajfti-2098	311	2	fintech	fintech	NOUN
ajfti-2098	311	3	improve	improve	VERB
ajfti-2098	311	4	the	the	DET
ajfti-2098	311	5	efficiency	efficiency	NOUN
ajfti-2098	311	6	of	of	ADP
ajfti-2098	311	7	commercial	commercial	ADJ
ajfti-2098	311	8	banks?—an	banks?—an	NOUN
ajfti-2098	311	9	analysis	analysis	NOUN
ajfti-2098	311	10	based	base	VERB
ajfti-2098	311	11	on	on	ADP
ajfti-2098	311	12	big	big	ADJ
ajfti-2098	311	13	data	datum	NOUN
ajfti-2098	311	14	.	.	PUNCT
ajfti-2098	312	1	research	research	NOUN
ajfti-2098	312	2	in	in	ADP
ajfti-2098	312	3	international	international	ADJ
ajfti-2098	312	4	business	business	NOUN
ajfti-2098	312	5	and	and	CCONJ
ajfti-2098	312	6	finance	finance	NOUN
ajfti-2098	312	7	,	,	PUNCT
ajfti-2098	312	8	55	55	NUM
ajfti-2098	312	9	,	,	PUNCT
ajfti-2098	312	10	101338	101338	NUM
ajfti-2098	312	11	.	.	PUNCT
ajfti-2098	313	1	young	young	ADJ
ajfti-2098	313	2	.	.	PUNCT
ajfti-2098	313	3	,	,	PUNCT
ajfti-2098	313	4	e.	e.	PROPN
ajfti-2098	313	5	(	(	PUNCT
ajfti-2098	313	6	2022	2022	NUM
ajfti-2098	313	7	)	)	PUNCT
ajfti-2098	313	8	.	.	PUNCT
ajfti-2098	314	1	world	world	PROPN
ajfti-2098	314	2	takaful	takaful	ADJ
ajfti-2098	314	3	report	report	NOUN
ajfti-2098	314	4	2022	2022	NUM
ajfti-2098	314	5	.	.	PUNCT
ajfti-2098	315	1	retrieved	retrieve	VERB
ajfti-2098	315	2	from	from	ADP
ajfti-2098	315	3	https://assets.ey.com/content/dam/ey-sites/	https://assets.ey.com/content/dam/ey-sites/	PROPN
ajfti-2098	315	4	ey	ey	PROPN
ajfti-2098	315	5	-	-	PUNCT
ajfti-2098	315	6	com	com	NOUN
ajfti-2098	315	7	/	/	SYM
ajfti-2098	315	8	en_gl	en_gl	PROPN
ajfti-2098	315	9	/	/	SYM
ajfti-2098	315	10	topics	topic	NOUN
ajfti-2098	315	11	/	/	SYM
ajfti-2098	315	12	insurance	insurance	NOUN
ajfti-2098	315	13	/	/	SYM
ajfti-2098	315	14	ey-2022	ey-2022	NOUN
ajfti-2098	315	15	-	-	PUNCT
ajfti-2098	315	16	globalinsurance	globalinsurance	NOUN
ajfti-2098	315	17	-	-	PUNCT
ajfti-2098	315	18	outlook	outlook	NOUN
ajfti-2098	315	19	-	-	PUNCT
ajfti-2098	315	20	report.pdf	report.pdf	NOUN
ajfti-2098	315	21	zalan	zalan	NOUN
ajfti-2098	315	22	,	,	PUNCT
ajfti-2098	315	23	t.	t.	PROPN
ajfti-2098	315	24	,	,	PUNCT
ajfti-2098	315	25	&	&	CCONJ
ajfti-2098	315	26	toufaily	toufaily	ADV
ajfti-2098	315	27	,	,	PUNCT
ajfti-2098	315	28	e.	e.	PROPN
ajfti-2098	315	29	(	(	PUNCT
ajfti-2098	315	30	2017	2017	NUM
ajfti-2098	315	31	)	)	PUNCT
ajfti-2098	315	32	.	.	PUNCT
ajfti-2098	316	1	the	the	DET
ajfti-2098	316	2	promise	promise	NOUN
ajfti-2098	316	3	of	of	ADP
ajfti-2098	316	4	fintech	fintech	NOUN
ajfti-2098	316	5	in	in	ADP
ajfti-2098	316	6	emerging	emerge	VERB
ajfti-2098	316	7	markets	market	NOUN
ajfti-2098	316	8	:	:	PUNCT
ajfti-2098	316	9	not	not	PART
ajfti-2098	316	10	as	as	ADV
ajfti-2098	316	11	disruptive	disruptive	ADJ
ajfti-2098	316	12	.	.	PUNCT
ajfti-2098	317	1	contemporary	contemporary	ADJ
ajfti-2098	317	2	economics	economic	NOUN
ajfti-2098	317	3	,	,	PUNCT
ajfti-2098	317	4	11(4	11(4	NUM
ajfti-2098	317	5	)	)	PUNCT
ajfti-2098	317	6	,	,	PUNCT
ajfti-2098	317	7	415	415	NUM
ajfti-2098	317	8	-	-	SYM
ajfti-2098	317	9	430	430	NUM
ajfti-2098	317	10	.	.	PUNCT