id	sid	tid	token	lemma	pos
ajfti-2387	1	1	pa	pa	PROPN
ajfti-2387	1	2	ge	ge	PROPN
ajfti-2387	1	3	1	1	NUM
ajfti-2387	1	4	pa	pa	PROPN
ajfti-2387	1	5	ge	ge	PROPN
ajfti-2387	1	6	44	44	NUM
ajfti-2387	1	7	american	american	PROPN
ajfti-2387	1	8	journal	journal	PROPN
ajfti-2387	1	9	of	of	ADP
ajfti-2387	1	10	financial	financial	ADJ
ajfti-2387	1	11	technology	technology	NOUN
ajfti-2387	1	12	and	and	CCONJ
ajfti-2387	1	13	innovation	innovation	NOUN
ajfti-2387	1	14	(	(	PUNCT
ajfti-2387	1	15	ajfti	ajfti	NOUN
ajfti-2387	1	16	)	)	PUNCT
ajfti-2387	1	17	fintech	fintech	NOUN
ajfti-2387	1	18	’s	’s	PART
ajfti-2387	1	19	impact	impact	NOUN
ajfti-2387	1	20	on	on	ADP
ajfti-2387	1	21	the	the	DET
ajfti-2387	1	22	digital	digital	ADJ
ajfti-2387	1	23	transformation	transformation	NOUN
ajfti-2387	1	24	of	of	ADP
ajfti-2387	1	25	the	the	DET
ajfti-2387	1	26	qatar	qatar	PROPN
ajfti-2387	1	27	insurance	insurance	NOUN
ajfti-2387	1	28	sector	sector	NOUN
ajfti-2387	1	29	:	:	PUNCT
ajfti-2387	1	30	opportunities	opportunity	NOUN
ajfti-2387	1	31	and	and	CCONJ
ajfti-2387	1	32	challenges	challenge	VERB
ajfti-2387	1	33	raed	raed	NOUN
ajfti-2387	1	34	elomari1	elomari1	PROPN
ajfti-2387	1	35	*	*	PUNCT
ajfti-2387	1	36	volume	volume	NOUN
ajfti-2387	1	37	2	2	NUM
ajfti-2387	1	38	issue	issue	NOUN
ajfti-2387	1	39	1	1	NUM
ajfti-2387	1	40	,	,	PUNCT
ajfti-2387	1	41	year	year	NOUN
ajfti-2387	1	42	2024	2024	NUM
ajfti-2387	1	43	issn	issn	X
ajfti-2387	1	44	:	:	PUNCT
ajfti-2387	1	45	2996	2996	NUM
ajfti-2387	1	46	-	-	SYM
ajfti-2387	1	47	0975	0975	NUM
ajfti-2387	1	48	(	(	PUNCT
ajfti-2387	1	49	online	online	ADJ
ajfti-2387	1	50	)	)	PUNCT
ajfti-2387	1	51	https://doi.org/10.54536/ajfti.v2i1.2387	https://doi.org/10.54536/ajfti.v2i1.2387	NOUN
ajfti-2387	1	52	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2387	1	53	article	article	NOUN
ajfti-2387	1	54	information	information	NOUN
ajfti-2387	1	55	abstract	abstract	ADV
ajfti-2387	1	56	received	receive	VERB
ajfti-2387	1	57	:	:	PUNCT
ajfti-2387	1	58	june	june	PROPN
ajfti-2387	1	59	15	15	NUM
ajfti-2387	1	60	,	,	PUNCT
ajfti-2387	1	61	2024	2024	NUM
ajfti-2387	1	62	accepted	accept	VERB
ajfti-2387	1	63	:	:	PUNCT
ajfti-2387	1	64	july	july	PROPN
ajfti-2387	1	65	17	17	NUM
ajfti-2387	1	66	,	,	PUNCT
ajfti-2387	1	67	2024	2024	NUM
ajfti-2387	1	68	published	publish	VERB
ajfti-2387	1	69	:	:	PUNCT
ajfti-2387	1	70	december	december	PROPN
ajfti-2387	1	71	31	31	NUM
ajfti-2387	1	72	,	,	PUNCT
ajfti-2387	1	73	2024	2024	NUM
ajfti-2387	1	74	this	this	DET
ajfti-2387	1	75	study	study	NOUN
ajfti-2387	1	76	provides	provide	VERB
ajfti-2387	1	77	a	a	DET
ajfti-2387	1	78	comprehensive	comprehensive	ADJ
ajfti-2387	1	79	analysis	analysis	NOUN
ajfti-2387	1	80	of	of	ADP
ajfti-2387	1	81	qatar	qatar	PROPN
ajfti-2387	1	82	’s	’s	PART
ajfti-2387	1	83	digital	digital	ADJ
ajfti-2387	1	84	insurance	insurance	NOUN
ajfti-2387	1	85	industry	industry	NOUN
ajfti-2387	1	86	using	use	VERB
ajfti-2387	1	87	a	a	DET
ajfti-2387	1	88	conceptual	conceptual	ADJ
ajfti-2387	1	89	framework	framework	NOUN
ajfti-2387	1	90	based	base	VERB
ajfti-2387	1	91	on	on	ADP
ajfti-2387	1	92	established	establish	VERB
ajfti-2387	1	93	theories	theory	NOUN
ajfti-2387	1	94	.	.	PUNCT
ajfti-2387	2	1	the	the	DET
ajfti-2387	2	2	study	study	NOUN
ajfti-2387	2	3	aimed	aim	VERB
ajfti-2387	2	4	to	to	PART
ajfti-2387	2	5	assess	assess	VERB
ajfti-2387	2	6	different	different	ADJ
ajfti-2387	2	7	challenges	challenge	NOUN
ajfti-2387	2	8	and	and	CCONJ
ajfti-2387	2	9	opportunities	opportunity	NOUN
ajfti-2387	2	10	,	,	PUNCT
ajfti-2387	2	11	including	include	VERB
ajfti-2387	2	12	the	the	DET
ajfti-2387	2	13	regulatory	regulatory	ADJ
ajfti-2387	2	14	environment	environment	NOUN
ajfti-2387	2	15	,	,	PUNCT
ajfti-2387	2	16	market	market	NOUN
ajfti-2387	2	17	dynamics	dynamic	NOUN
ajfti-2387	2	18	,	,	PUNCT
ajfti-2387	2	19	competitive	competitive	ADJ
ajfti-2387	2	20	strategies	strategy	NOUN
ajfti-2387	2	21	,	,	PUNCT
ajfti-2387	2	22	and	and	CCONJ
ajfti-2387	2	23	digital	digital	ADJ
ajfti-2387	2	24	payment	payment	NOUN
ajfti-2387	2	25	and	and	CCONJ
ajfti-2387	2	26	financial	financial	ADJ
ajfti-2387	2	27	inclusion	inclusion	NOUN
ajfti-2387	2	28	in	in	ADP
ajfti-2387	2	29	qatar	qatar	PROPN
ajfti-2387	2	30	,	,	PUNCT
ajfti-2387	2	31	and	and	CCONJ
ajfti-2387	2	32	also	also	ADV
ajfti-2387	2	33	fill	fill	VERB
ajfti-2387	2	34	a	a	DET
ajfti-2387	2	35	critical	critical	ADJ
ajfti-2387	2	36	gap	gap	NOUN
ajfti-2387	2	37	in	in	ADP
ajfti-2387	2	38	the	the	DET
ajfti-2387	2	39	literature	literature	NOUN
ajfti-2387	2	40	.	.	PUNCT
ajfti-2387	3	1	the	the	DET
ajfti-2387	3	2	study	study	NOUN
ajfti-2387	3	3	uses	use	VERB
ajfti-2387	3	4	a	a	DET
ajfti-2387	3	5	positivist	positivist	ADJ
ajfti-2387	3	6	perspective	perspective	NOUN
ajfti-2387	3	7	and	and	CCONJ
ajfti-2387	3	8	deductive	deductive	ADJ
ajfti-2387	3	9	methodology	methodology	NOUN
ajfti-2387	3	10	to	to	PART
ajfti-2387	3	11	explore	explore	VERB
ajfti-2387	3	12	qatar	qatar	PROPN
ajfti-2387	3	13	’s	’s	PART
ajfti-2387	3	14	digital	digital	ADJ
ajfti-2387	3	15	insurance	insurance	NOUN
ajfti-2387	3	16	sector	sector	NOUN
ajfti-2387	3	17	,	,	PUNCT
ajfti-2387	3	18	revealing	reveal	VERB
ajfti-2387	3	19	diverse	diverse	ADJ
ajfti-2387	3	20	demographics	demographic	NOUN
ajfti-2387	3	21	and	and	CCONJ
ajfti-2387	3	22	strong	strong	ADJ
ajfti-2387	3	23	correlations	correlation	NOUN
ajfti-2387	3	24	between	between	ADP
ajfti-2387	3	25	variables	variable	NOUN
ajfti-2387	3	26	like	like	ADP
ajfti-2387	3	27	regulations	regulation	NOUN
ajfti-2387	3	28	and	and	CCONJ
ajfti-2387	3	29	competitive	competitive	ADJ
ajfti-2387	3	30	rivalry	rivalry	NOUN
ajfti-2387	3	31	,	,	PUNCT
ajfti-2387	3	32	highlighting	highlight	VERB
ajfti-2387	3	33	the	the	DET
ajfti-2387	3	34	positive	positive	ADJ
ajfti-2387	3	35	attitude	attitude	NOUN
ajfti-2387	3	36	towards	towards	ADP
ajfti-2387	3	37	digitization	digitization	NOUN
ajfti-2387	3	38	in	in	ADP
ajfti-2387	3	39	the	the	DET
ajfti-2387	3	40	industry	industry	NOUN
ajfti-2387	3	41	.	.	PUNCT
ajfti-2387	4	1	the	the	DET
ajfti-2387	4	2	regression	regression	NOUN
ajfti-2387	4	3	model	model	NOUN
ajfti-2387	4	4	,	,	PUNCT
ajfti-2387	4	5	elucidating	elucidate	VERB
ajfti-2387	4	6	61.7	61.7	NUM
ajfti-2387	4	7	%	%	NOUN
ajfti-2387	4	8	of	of	ADP
ajfti-2387	4	9	the	the	DET
ajfti-2387	4	10	variance	variance	NOUN
ajfti-2387	4	11	,	,	PUNCT
ajfti-2387	4	12	accentuates	accentuate	VERB
ajfti-2387	4	13	the	the	DET
ajfti-2387	4	14	pivotal	pivotal	ADJ
ajfti-2387	4	15	role	role	NOUN
ajfti-2387	4	16	of	of	ADP
ajfti-2387	4	17	“	"	PUNCT
ajfti-2387	4	18	competitive	competitive	ADJ
ajfti-2387	4	19	rivalry	rivalry	NOUN
ajfti-2387	4	20	and	and	CCONJ
ajfti-2387	4	21	enhanced	enhance	VERB
ajfti-2387	4	22	digital	digital	ADJ
ajfti-2387	4	23	insurance	insurance	NOUN
ajfti-2387	4	24	sector	sector	NOUN
ajfti-2387	4	25	.	.	PUNCT
ajfti-2387	4	26	”	"	PUNCT
ajfti-2387	5	1	nevertheless	nevertheless	ADV
ajfti-2387	5	2	,	,	PUNCT
ajfti-2387	5	3	non	non	ADJ
ajfti-2387	5	4	-	-	ADJ
ajfti-2387	5	5	significant	significant	ADJ
ajfti-2387	5	6	contributions	contribution	NOUN
ajfti-2387	5	7	from	from	ADP
ajfti-2387	5	8	“	"	PUNCT
ajfti-2387	5	9	security	security	NOUN
ajfti-2387	5	10	challenges	challenge	NOUN
ajfti-2387	5	11	for	for	ADP
ajfti-2387	5	12	digitization	digitization	NOUN
ajfti-2387	5	13	”	"	PUNCT
ajfti-2387	5	14	and	and	CCONJ
ajfti-2387	5	15	“	"	PUNCT
ajfti-2387	5	16	market	market	NOUN
ajfti-2387	5	17	competitiveness	competitiveness	NOUN
ajfti-2387	5	18	”	"	PUNCT
ajfti-2387	5	19	beckon	beckon	VERB
ajfti-2387	5	20	further	further	ADJ
ajfti-2387	5	21	exploration	exploration	NOUN
ajfti-2387	5	22	.	.	PUNCT
ajfti-2387	6	1	the	the	DET
ajfti-2387	6	2	study	study	NOUN
ajfti-2387	6	3	concludes	conclude	VERB
ajfti-2387	6	4	with	with	ADP
ajfti-2387	6	5	insightful	insightful	ADJ
ajfti-2387	6	6	recommendations	recommendation	NOUN
ajfti-2387	6	7	for	for	ADP
ajfti-2387	6	8	transparency	transparency	NOUN
ajfti-2387	6	9	enhancements	enhancement	NOUN
ajfti-2387	6	10	,	,	PUNCT
ajfti-2387	6	11	digital	digital	ADJ
ajfti-2387	6	12	tool	tool	NOUN
ajfti-2387	6	13	exploration	exploration	NOUN
ajfti-2387	6	14	,	,	PUNCT
ajfti-2387	6	15	and	and	CCONJ
ajfti-2387	6	16	addressing	address	VERB
ajfti-2387	6	17	new	new	ADJ
ajfti-2387	6	18	entrant	entrant	ADJ
ajfti-2387	6	19	barriers	barrier	NOUN
ajfti-2387	6	20	,	,	PUNCT
ajfti-2387	6	21	offering	offer	VERB
ajfti-2387	6	22	invaluable	invaluable	ADJ
ajfti-2387	6	23	guidance	guidance	NOUN
ajfti-2387	6	24	to	to	ADP
ajfti-2387	6	25	industry	industry	NOUN
ajfti-2387	6	26	stakeholders	stakeholder	NOUN
ajfti-2387	6	27	navigating	navigate	VERB
ajfti-2387	6	28	qatar	qatar	PROPN
ajfti-2387	6	29	’s	’s	PART
ajfti-2387	6	30	dynamic	dynamic	ADJ
ajfti-2387	6	31	digital	digital	ADJ
ajfti-2387	6	32	insurance	insurance	NOUN
ajfti-2387	6	33	landscape	landscape	NOUN
ajfti-2387	6	34	.	.	PUNCT
ajfti-2387	7	1	keywords	keyword	VERB
ajfti-2387	7	2	competitive	competitive	ADJ
ajfti-2387	7	3	rivalry	rivalry	NOUN
ajfti-2387	7	4	,	,	PUNCT
ajfti-2387	7	5	digital	digital	ADJ
ajfti-2387	7	6	insurance	insurance	NOUN
ajfti-2387	7	7	,	,	PUNCT
ajfti-2387	7	8	financial	financial	ADJ
ajfti-2387	7	9	inclusion	inclusion	NOUN
ajfti-2387	7	10	,	,	PUNCT
ajfti-2387	7	11	insurance	insurance	NOUN
ajfti-2387	7	12	regulation	regulation	NOUN
ajfti-2387	7	13	,	,	PUNCT
ajfti-2387	7	14	qatar	qatar	PROPN
ajfti-2387	7	15	insurance	insurance	NOUN
ajfti-2387	7	16	industry	industry	NOUN
ajfti-2387	7	17	,	,	PUNCT
ajfti-2387	7	18	tam	tam	NOUN
ajfti-2387	7	19	introduction	introduction	NOUN
ajfti-2387	7	20	the	the	DET
ajfti-2387	7	21	worldwide	worldwide	ADJ
ajfti-2387	7	22	fintech	fintech	NOUN
ajfti-2387	7	23	environment	environment	NOUN
ajfti-2387	7	24	has	have	AUX
ajfti-2387	7	25	seen	see	VERB
ajfti-2387	7	26	remarkable	remarkable	ADJ
ajfti-2387	7	27	growth	growth	NOUN
ajfti-2387	7	28	,	,	PUNCT
ajfti-2387	7	29	with	with	ADP
ajfti-2387	7	30	investments	investment	NOUN
ajfti-2387	7	31	reaching	reach	VERB
ajfti-2387	7	32	$	$	SYM
ajfti-2387	7	33	34.5	34.5	NUM
ajfti-2387	7	34	billion	billion	NUM
ajfti-2387	7	35	by	by	ADP
ajfti-2387	7	36	the	the	DET
ajfti-2387	7	37	end	end	NOUN
ajfti-2387	7	38	of	of	ADP
ajfti-2387	7	39	2019	2019	NUM
ajfti-2387	7	40	(	(	PUNCT
ajfti-2387	7	41	skoric	skoric	NOUN
ajfti-2387	7	42	et	et	PROPN
ajfti-2387	7	43	al	al	PROPN
ajfti-2387	7	44	.	.	PROPN
ajfti-2387	7	45	,	,	PUNCT
ajfti-2387	7	46	2022	2022	NUM
ajfti-2387	7	47	)	)	PUNCT
ajfti-2387	7	48	.	.	PUNCT
ajfti-2387	8	1	however	however	ADV
ajfti-2387	8	2	,	,	PUNCT
ajfti-2387	8	3	the	the	DET
ajfti-2387	8	4	middle	middle	PROPN
ajfti-2387	8	5	east	east	PROPN
ajfti-2387	8	6	and	and	CCONJ
ajfti-2387	8	7	north	north	PROPN
ajfti-2387	8	8	africa	africa	PROPN
ajfti-2387	8	9	(	(	PUNCT
ajfti-2387	8	10	mena	mena	PROPN
ajfti-2387	8	11	)	)	PUNCT
ajfti-2387	8	12	area	area	NOUN
ajfti-2387	8	13	,	,	PUNCT
ajfti-2387	8	14	including	include	VERB
ajfti-2387	8	15	qatar	qatar	NOUN
ajfti-2387	8	16	,	,	PUNCT
ajfti-2387	8	17	fell	fall	VERB
ajfti-2387	8	18	behind	behind	ADV
ajfti-2387	8	19	,	,	PUNCT
ajfti-2387	8	20	accounting	account	VERB
ajfti-2387	8	21	for	for	ADP
ajfti-2387	8	22	less	less	ADJ
ajfti-2387	8	23	than	than	ADP
ajfti-2387	8	24	1	1	NUM
ajfti-2387	8	25	%	%	NOUN
ajfti-2387	8	26	of	of	ADP
ajfti-2387	8	27	worldwide	worldwide	ADJ
ajfti-2387	8	28	fintech	fintech	NOUN
ajfti-2387	8	29	investments	investment	NOUN
ajfti-2387	8	30	(	(	PUNCT
ajfti-2387	8	31	opportunities	opportunity	NOUN
ajfti-2387	8	32	await	await	ADJ
ajfti-2387	8	33	:	:	PUNCT
ajfti-2387	8	34	how	how	SCONJ
ajfti-2387	8	35	insurtech	insurtech	NOUN
ajfti-2387	8	36	is	be	AUX
ajfti-2387	8	37	reshaping	reshape	VERB
ajfti-2387	8	38	insurance	insurance	NOUN
ajfti-2387	8	39	,	,	PUNCT
ajfti-2387	8	40	2016	2016	NUM
ajfti-2387	8	41	)	)	PUNCT
ajfti-2387	8	42	.	.	PUNCT
ajfti-2387	9	1	the	the	DET
ajfti-2387	9	2	covid-19	covid-19	PROPN
ajfti-2387	9	3	epidemic	epidemic	NOUN
ajfti-2387	9	4	expedited	expedite	VERB
ajfti-2387	9	5	global	global	ADJ
ajfti-2387	9	6	digital	digital	ADJ
ajfti-2387	9	7	transformations	transformation	NOUN
ajfti-2387	9	8	,	,	PUNCT
ajfti-2387	9	9	providing	provide	VERB
ajfti-2387	9	10	the	the	DET
ajfti-2387	9	11	stage	stage	NOUN
ajfti-2387	9	12	for	for	ADP
ajfti-2387	9	13	significant	significant	ADJ
ajfti-2387	9	14	growth	growth	NOUN
ajfti-2387	9	15	in	in	ADP
ajfti-2387	9	16	the	the	DET
ajfti-2387	9	17	mena	mena	PROPN
ajfti-2387	9	18	area	area	PROPN
ajfti-2387	9	19	(	(	PUNCT
ajfti-2387	9	20	ibrahim	ibrahim	PROPN
ajfti-2387	9	21	et	et	PROPN
ajfti-2387	9	22	al	al	PROPN
ajfti-2387	9	23	.	.	PROPN
ajfti-2387	9	24	,	,	PUNCT
ajfti-2387	9	25	2020	2020	NUM
ajfti-2387	9	26	)	)	PUNCT
ajfti-2387	9	27	.	.	PUNCT
ajfti-2387	10	1	particularly	particularly	ADV
ajfti-2387	10	2	because	because	SCONJ
ajfti-2387	10	3	of	of	ADP
ajfti-2387	10	4	the	the	DET
ajfti-2387	10	5	national	national	ADJ
ajfti-2387	10	6	fintech	fintech	NOUN
ajfti-2387	10	7	strategy	strategy	NOUN
ajfti-2387	10	8	and	and	CCONJ
ajfti-2387	10	9	the	the	DET
ajfti-2387	10	10	creation	creation	NOUN
ajfti-2387	10	11	of	of	ADP
ajfti-2387	10	12	the	the	DET
ajfti-2387	10	13	qatar	qatar	PROPN
ajfti-2387	10	14	fintech	fintech	NOUN
ajfti-2387	10	15	hub	hub	NOUN
ajfti-2387	10	16	(	(	PUNCT
ajfti-2387	10	17	qfth	qfth	ADJ
ajfti-2387	10	18	)	)	PUNCT
ajfti-2387	10	19	,	,	PUNCT
ajfti-2387	10	20	qatar	qatar	PROPN
ajfti-2387	10	21	,	,	PUNCT
ajfti-2387	10	22	has	have	AUX
ajfti-2387	10	23	become	become	VERB
ajfti-2387	10	24	a	a	DET
ajfti-2387	10	25	prominent	prominent	ADJ
ajfti-2387	10	26	participant	participant	NOUN
ajfti-2387	10	27	in	in	ADP
ajfti-2387	10	28	promoting	promote	VERB
ajfti-2387	10	29	fintech	fintech	NOUN
ajfti-2387	10	30	innovation	innovation	NOUN
ajfti-2387	10	31	(	(	PUNCT
ajfti-2387	10	32	hub	hub	NOUN
ajfti-2387	10	33	,	,	PUNCT
ajfti-2387	10	34	2021	2021	NUM
ajfti-2387	10	35	)	)	PUNCT
ajfti-2387	10	36	.	.	PUNCT
ajfti-2387	11	1	the	the	DET
ajfti-2387	11	2	country	country	NOUN
ajfti-2387	11	3	’s	’s	PART
ajfti-2387	11	4	proactive	proactive	ADJ
ajfti-2387	11	5	regulatory	regulatory	ADJ
ajfti-2387	11	6	strategy	strategy	NOUN
ajfti-2387	11	7	,	,	PUNCT
ajfti-2387	11	8	demonstrated	demonstrate	VERB
ajfti-2387	11	9	by	by	ADP
ajfti-2387	11	10	the	the	DET
ajfti-2387	11	11	fintech	fintech	NOUN
ajfti-2387	11	12	office	office	NOUN
ajfti-2387	11	13	and	and	CCONJ
ajfti-2387	11	14	the	the	DET
ajfti-2387	11	15	qatar	qatar	PROPN
ajfti-2387	11	16	central	central	PROPN
ajfti-2387	11	17	bank	bank	PROPN
ajfti-2387	11	18	(	(	PUNCT
ajfti-2387	11	19	qcb	qcb	PROPN
ajfti-2387	11	20	)	)	PUNCT
ajfti-2387	11	21	,	,	PUNCT
ajfti-2387	11	22	establishes	establish	VERB
ajfti-2387	11	23	it	it	PRON
ajfti-2387	11	24	as	as	ADP
ajfti-2387	11	25	a	a	DET
ajfti-2387	11	26	possible	possible	ADJ
ajfti-2387	11	27	leader	leader	NOUN
ajfti-2387	11	28	in	in	ADP
ajfti-2387	11	29	islamic	islamic	ADJ
ajfti-2387	11	30	fintech	fintech	NOUN
ajfti-2387	11	31	(	(	PUNCT
ajfti-2387	11	32	ramiah	ramiah	NOUN
ajfti-2387	11	33	et	et	PROPN
ajfti-2387	11	34	al	al	PROPN
ajfti-2387	11	35	.	.	PROPN
ajfti-2387	11	36	,	,	PUNCT
ajfti-2387	11	37	2023	2023	NUM
ajfti-2387	11	38	)	)	PUNCT
ajfti-2387	11	39	.	.	PUNCT
ajfti-2387	12	1	by	by	ADP
ajfti-2387	12	2	introducing	introduce	VERB
ajfti-2387	12	3	the	the	DET
ajfti-2387	12	4	national	national	ADJ
ajfti-2387	12	5	fintech	fintech	NOUN
ajfti-2387	12	6	strategy	strategy	NOUN
ajfti-2387	12	7	in	in	ADP
ajfti-2387	12	8	2019	2019	NUM
ajfti-2387	12	9	and	and	CCONJ
ajfti-2387	12	10	establishing	establish	VERB
ajfti-2387	12	11	the	the	DET
ajfti-2387	12	12	qatar	qatar	PROPN
ajfti-2387	12	13	fintech	fintech	NOUN
ajfti-2387	12	14	hub	hub	NOUN
ajfti-2387	12	15	(	(	PUNCT
ajfti-2387	12	16	qfth	qfth	ADJ
ajfti-2387	12	17	)	)	PUNCT
ajfti-2387	12	18	in	in	ADP
ajfti-2387	12	19	2020	2020	NUM
ajfti-2387	12	20	(	(	PUNCT
ajfti-2387	12	21	villegas	villegas	PROPN
ajfti-2387	12	22	-	-	PUNCT
ajfti-2387	12	23	mateos	mateo	NOUN
ajfti-2387	12	24	,	,	PUNCT
ajfti-2387	12	25	2022	2022	NUM
ajfti-2387	12	26	)	)	PUNCT
ajfti-2387	12	27	,	,	PUNCT
ajfti-2387	12	28	qatar	qatar	PROPN
ajfti-2387	12	29	has	have	AUX
ajfti-2387	12	30	made	make	VERB
ajfti-2387	12	31	significant	significant	ADJ
ajfti-2387	12	32	strides	stride	NOUN
ajfti-2387	12	33	towards	towards	ADP
ajfti-2387	12	34	creating	create	VERB
ajfti-2387	12	35	a	a	DET
ajfti-2387	12	36	strong	strong	ADJ
ajfti-2387	12	37	fintech	fintech	NOUN
ajfti-2387	12	38	ecosystem	ecosystem	NOUN
ajfti-2387	12	39	(	(	PUNCT
ajfti-2387	12	40	alkhazaleh	alkhazaleh	NOUN
ajfti-2387	12	41	,	,	PUNCT
ajfti-2387	12	42	2021	2021	NUM
ajfti-2387	12	43	;	;	PUNCT
ajfti-2387	12	44	allen	allen	PROPN
ajfti-2387	12	45	,	,	PUNCT
ajfti-2387	12	46	2021	2021	NUM
ajfti-2387	12	47	)	)	PUNCT
ajfti-2387	12	48	.	.	PUNCT
ajfti-2387	13	1	qatar	qatar	PROPN
ajfti-2387	13	2	’s	’s	PART
ajfti-2387	13	3	potential	potential	NOUN
ajfti-2387	13	4	to	to	PART
ajfti-2387	13	5	flourish	flourish	VERB
ajfti-2387	13	6	in	in	ADP
ajfti-2387	13	7	islamic	islamic	ADJ
ajfti-2387	13	8	fintech	fintech	NOUN
ajfti-2387	13	9	by	by	ADP
ajfti-2387	13	10	harnessing	harness	VERB
ajfti-2387	13	11	its	its	PRON
ajfti-2387	13	12	islamic	islamic	ADJ
ajfti-2387	13	13	financial	financial	ADJ
ajfti-2387	13	14	experience	experience	NOUN
ajfti-2387	13	15	is	be	AUX
ajfti-2387	13	16	significant	significant	ADJ
ajfti-2387	13	17	(	(	PUNCT
ajfti-2387	13	18	alnasr	alnasr	PROPN
ajfti-2387	13	19	,	,	PUNCT
ajfti-2387	13	20	2022	2022	NUM
ajfti-2387	13	21	;	;	PUNCT
ajfti-2387	13	22	cherqaoui	cherqaoui	ADJ
ajfti-2387	13	23	,	,	PUNCT
ajfti-2387	13	24	2022	2022	NUM
ajfti-2387	13	25	)	)	PUNCT
ajfti-2387	13	26	.	.	PUNCT
ajfti-2387	14	1	digital	digital	ADJ
ajfti-2387	14	2	payment	payment	NOUN
ajfti-2387	14	3	solutions	solution	NOUN
ajfti-2387	14	4	are	be	AUX
ajfti-2387	14	5	made	make	VERB
ajfti-2387	14	6	possible	possible	ADJ
ajfti-2387	14	7	by	by	ADP
ajfti-2387	14	8	qatar	qatar	PROPN
ajfti-2387	14	9	’s	’s	PART
ajfti-2387	14	10	expanding	expand	VERB
ajfti-2387	14	11	e	e	PROPN
ajfti-2387	14	12	-	-	NOUN
ajfti-2387	14	13	commerce	commerce	NOUN
ajfti-2387	14	14	sector	sector	NOUN
ajfti-2387	14	15	,	,	PUNCT
ajfti-2387	14	16	and	and	CCONJ
ajfti-2387	14	17	digital	digital	ADJ
ajfti-2387	14	18	wallets	wallet	NOUN
ajfti-2387	14	19	are	be	AUX
ajfti-2387	14	20	becoming	become	VERB
ajfti-2387	14	21	vital	vital	ADJ
ajfti-2387	14	22	instruments	instrument	NOUN
ajfti-2387	14	23	for	for	ADP
ajfti-2387	14	24	advancing	advance	VERB
ajfti-2387	14	25	financial	financial	ADJ
ajfti-2387	14	26	inclusion	inclusion	NOUN
ajfti-2387	14	27	as	as	ADV
ajfti-2387	14	28	well	well	ADV
ajfti-2387	14	29	as	as	ADP
ajfti-2387	14	30	financial	financial	ADJ
ajfti-2387	14	31	transactions	transaction	NOUN
ajfti-2387	14	32	(	(	PUNCT
ajfti-2387	14	33	dahdal	dahdal	NOUN
ajfti-2387	14	34	et	et	PROPN
ajfti-2387	14	35	al	al	PROPN
ajfti-2387	14	36	.	.	PROPN
ajfti-2387	14	37	,	,	PUNCT
ajfti-2387	14	38	2020	2020	NUM
ajfti-2387	14	39	)	)	PUNCT
ajfti-2387	14	40	.	.	PUNCT
ajfti-2387	15	1	concurrently	concurrently	ADV
ajfti-2387	15	2	,	,	PUNCT
ajfti-2387	15	3	the	the	DET
ajfti-2387	15	4	covid-19	covid-19	PROPN
ajfti-2387	15	5	pandemic	pandemic	NOUN
ajfti-2387	15	6	has	have	AUX
ajfti-2387	15	7	sped	speed	VERB
ajfti-2387	15	8	up	up	ADP
ajfti-2387	15	9	the	the	DET
ajfti-2387	15	10	digital	digital	ADJ
ajfti-2387	15	11	revolution	revolution	NOUN
ajfti-2387	15	12	in	in	ADP
ajfti-2387	15	13	qatar	qatar	PROPN
ajfti-2387	15	14	’s	’s	PART
ajfti-2387	15	15	insurance	insurance	NOUN
ajfti-2387	15	16	industry	industry	NOUN
ajfti-2387	15	17	.	.	PUNCT
ajfti-2387	16	1	conventional	conventional	ADJ
ajfti-2387	16	2	insurance	insurance	NOUN
ajfti-2387	16	3	structures	structure	NOUN
ajfti-2387	16	4	are	be	AUX
ajfti-2387	16	5	changing	change	VERB
ajfti-2387	16	6	as	as	ADP
ajfti-2387	16	7	a	a	DET
ajfti-2387	16	8	result	result	NOUN
ajfti-2387	16	9	of	of	ADP
ajfti-2387	16	10	the	the	DET
ajfti-2387	16	11	move	move	NOUN
ajfti-2387	16	12	towards	towards	ADP
ajfti-2387	16	13	customer	customer	NOUN
ajfti-2387	16	14	-	-	PUNCT
ajfti-2387	16	15	centric	centric	NOUN
ajfti-2387	16	16	strategies	strategy	NOUN
ajfti-2387	16	17	and	and	CCONJ
ajfti-2387	16	18	online	online	ADJ
ajfti-2387	16	19	distribution	distribution	NOUN
ajfti-2387	16	20	channels	channel	NOUN
ajfti-2387	16	21	(	(	PUNCT
ajfti-2387	16	22	feghali	feghali	VERB
ajfti-2387	16	23	et	et	PROPN
ajfti-2387	16	24	al	al	PROPN
ajfti-2387	16	25	.	.	PROPN
ajfti-2387	16	26	,	,	PUNCT
ajfti-2387	16	27	2022	2022	NUM
ajfti-2387	16	28	)	)	PUNCT
ajfti-2387	16	29	.	.	PUNCT
ajfti-2387	17	1	digital	digital	ADJ
ajfti-2387	17	2	innovations	innovation	NOUN
ajfti-2387	17	3	such	such	ADJ
ajfti-2387	17	4	as	as	ADP
ajfti-2387	17	5	smart	smart	ADJ
ajfti-2387	17	6	contracts	contract	NOUN
ajfti-2387	17	7	and	and	CCONJ
ajfti-2387	17	8	telematics	telematic	NOUN
ajfti-2387	17	9	devices	device	NOUN
ajfti-2387	17	10	are	be	AUX
ajfti-2387	17	11	transforming	transform	VERB
ajfti-2387	17	12	claims	claim	NOUN
ajfti-2387	17	13	processing	processing	NOUN
ajfti-2387	17	14	,	,	PUNCT
ajfti-2387	17	15	product	product	NOUN
ajfti-2387	17	16	creation	creation	NOUN
ajfti-2387	17	17	,	,	PUNCT
ajfti-2387	17	18	and	and	CCONJ
ajfti-2387	17	19	risk	risk	NOUN
ajfti-2387	17	20	assessment	assessment	NOUN
ajfti-2387	17	21	(	(	PUNCT
ajfti-2387	17	22	łyskawa	łyskawa	PROPN
ajfti-2387	17	23	et	et	PROPN
ajfti-2387	17	24	al	al	PROPN
ajfti-2387	17	25	.	.	PROPN
ajfti-2387	17	26	,	,	PUNCT
ajfti-2387	17	27	2019	2019	NUM
ajfti-2387	17	28	)	)	PUNCT
ajfti-2387	17	29	.	.	PUNCT
ajfti-2387	18	1	the	the	DET
ajfti-2387	18	2	insurance	insurance	NOUN
ajfti-2387	18	3	industry	industry	NOUN
ajfti-2387	18	4	in	in	ADP
ajfti-2387	18	5	qatar	qatar	PROPN
ajfti-2387	18	6	is	be	AUX
ajfti-2387	18	7	expected	expect	VERB
ajfti-2387	18	8	to	to	PART
ajfti-2387	18	9	develop	develop	VERB
ajfti-2387	18	10	at	at	ADP
ajfti-2387	18	11	a	a	DET
ajfti-2387	18	12	4.7	4.7	NUM
ajfti-2387	18	13	%	%	NOUN
ajfti-2387	18	14	compound	compound	NOUN
ajfti-2387	18	15	annual	annual	ADJ
ajfti-2387	18	16	growth	growth	NOUN
ajfti-2387	18	17	rate	rate	NOUN
ajfti-2387	18	18	(	(	PUNCT
ajfti-2387	18	19	cagr	cagr	NOUN
ajfti-2387	18	20	)	)	PUNCT
ajfti-2387	18	21	and	and	CCONJ
ajfti-2387	18	22	reach	reach	VERB
ajfti-2387	18	23	$	$	SYM
ajfti-2387	18	24	1.9	1.9	NUM
ajfti-2387	18	25	billion	billion	NUM
ajfti-2387	18	26	by	by	ADP
ajfti-2387	18	27	2026	2026	NUM
ajfti-2387	18	28	(	(	PUNCT
ajfti-2387	18	29	al	al	PROPN
ajfti-2387	18	30	malkawie	malkawie	NOUN
ajfti-2387	18	31	,	,	PUNCT
ajfti-2387	18	32	2020	2020	NUM
ajfti-2387	18	33	)	)	PUNCT
ajfti-2387	18	34	.	.	PUNCT
ajfti-2387	19	1	as	as	ADP
ajfti-2387	19	2	part	part	NOUN
ajfti-2387	19	3	of	of	ADP
ajfti-2387	19	4	this	this	DET
ajfti-2387	19	5	progression	progression	NOUN
ajfti-2387	19	6	,	,	PUNCT
ajfti-2387	19	7	qatar	qatar	PROPN
ajfti-2387	19	8	insurance	insurance	NOUN
ajfti-2387	19	9	company	company	NOUN
ajfti-2387	19	10	(	(	PUNCT
ajfti-2387	19	11	qic	qic	PROPN
ajfti-2387	19	12	)	)	PUNCT
ajfti-2387	19	13	has	have	AUX
ajfti-2387	19	14	introduced	introduce	VERB
ajfti-2387	19	15	insurtech	insurtech	NOUN
ajfti-2387	19	16	platforms	platform	NOUN
ajfti-2387	19	17	such	such	ADJ
ajfti-2387	19	18	as	as	ADP
ajfti-2387	19	19	anoud+	anoud+	PROPN
ajfti-2387	19	20	.	.	PUNCT
ajfti-2387	20	1	the	the	DET
ajfti-2387	20	2	qatar	qatar	PROPN
ajfti-2387	20	3	financial	financial	ADJ
ajfti-2387	20	4	centre	centre	NOUN
ajfti-2387	20	5	(	(	PUNCT
ajfti-2387	20	6	qfc	qfc	PROPN
ajfti-2387	20	7	)	)	PUNCT
ajfti-2387	20	8	,	,	PUNCT
ajfti-2387	20	9	qatar	qatar	PROPN
ajfti-2387	20	10	fintech	fintech	NOUN
ajfti-2387	20	11	hub	hub	NOUN
ajfti-2387	20	12	(	(	PUNCT
ajfti-2387	20	13	qfth	qfth	ADJ
ajfti-2387	20	14	)	)	PUNCT
ajfti-2387	20	15	,	,	PUNCT
ajfti-2387	20	16	and	and	CCONJ
ajfti-2387	20	17	qic	qic	VERB
ajfti-2387	20	18	are	be	AUX
ajfti-2387	20	19	working	work	VERB
ajfti-2387	20	20	together	together	ADV
ajfti-2387	20	21	to	to	PART
ajfti-2387	20	22	make	make	VERB
ajfti-2387	20	23	it	it	PRON
ajfti-2387	20	24	easier	easy	ADJ
ajfti-2387	20	25	for	for	SCONJ
ajfti-2387	20	26	insurtech	insurtech	NOUN
ajfti-2387	20	27	startups	startup	NOUN
ajfti-2387	20	28	to	to	PART
ajfti-2387	20	29	enter	enter	VERB
ajfti-2387	20	30	the	the	DET
ajfti-2387	20	31	qatari	qatari	ADJ
ajfti-2387	20	32	market	market	NOUN
ajfti-2387	20	33	(	(	PUNCT
ajfti-2387	20	34	elmasri	elmasri	INTJ
ajfti-2387	20	35	et	et	PROPN
ajfti-2387	20	36	al	al	PROPN
ajfti-2387	20	37	.	.	PROPN
ajfti-2387	20	38	,	,	PUNCT
ajfti-2387	20	39	2019	2019	NUM
ajfti-2387	20	40	)	)	PUNCT
ajfti-2387	20	41	.	.	PUNCT
ajfti-2387	21	1	the	the	DET
ajfti-2387	21	2	covid-19	covid-19	PROPN
ajfti-2387	21	3	epidemic	epidemic	NOUN
ajfti-2387	21	4	has	have	AUX
ajfti-2387	21	5	driven	drive	VERB
ajfti-2387	21	6	insurtech	insurtech	NOUN
ajfti-2387	21	7	businesses	business	NOUN
ajfti-2387	21	8	to	to	PART
ajfti-2387	21	9	take	take	VERB
ajfti-2387	21	10	the	the	DET
ajfti-2387	21	11	lead	lead	NOUN
ajfti-2387	21	12	in	in	ADP
ajfti-2387	21	13	the	the	DET
ajfti-2387	21	14	global	global	ADJ
ajfti-2387	21	15	insurance	insurance	NOUN
ajfti-2387	21	16	market	market	NOUN
ajfti-2387	21	17	,	,	PUNCT
ajfti-2387	21	18	which	which	PRON
ajfti-2387	21	19	is	be	AUX
ajfti-2387	21	20	exceeded	exceed	VERB
ajfti-2387	21	21	$	$	SYM
ajfti-2387	21	22	7	7	NUM
ajfti-2387	21	23	trillion	trillion	NUM
ajfti-2387	21	24	in	in	ADP
ajfti-2387	21	25	2022	2022	NUM
ajfti-2387	21	26	and	and	CCONJ
ajfti-2387	21	27	expected	expect	VERB
ajfti-2387	21	28	to	to	PART
ajfti-2387	21	29	reach	reach	VERB
ajfti-2387	21	30	9.91	9.91	NUM
ajfti-2387	21	31	trillion	trillion	NUM
ajfti-2387	21	32	by	by	ADP
ajfti-2387	21	33	2028	2028	NUM
ajfti-2387	21	34	(	(	PUNCT
ajfti-2387	21	35	njegomir	njegomir	NOUN
ajfti-2387	21	36	&	&	CCONJ
ajfti-2387	21	37	demko	demko	NOUN
ajfti-2387	21	38	-	-	PUNCT
ajfti-2387	21	39	rihter	rihter	NOUN
ajfti-2387	21	40	,	,	PUNCT
ajfti-2387	21	41	2023	2023	NUM
ajfti-2387	21	42	;	;	PUNCT
ajfti-2387	21	43	statista	statista	PROPN
ajfti-2387	21	44	&	&	CCONJ
ajfti-2387	21	45	,	,	PUNCT
ajfti-2387	21	46	2023	2023	NUM
ajfti-2387	21	47	;	;	PUNCT
ajfti-2387	21	48	tripathy	tripathy	ADJ
ajfti-2387	21	49	)	)	PUNCT
ajfti-2387	21	50	.	.	PUNCT
ajfti-2387	22	1	fintech	fintech	NOUN
ajfti-2387	22	2	has	have	AUX
ajfti-2387	22	3	emerged	emerge	VERB
ajfti-2387	22	4	as	as	ADP
ajfti-2387	22	5	a	a	DET
ajfti-2387	22	6	viable	viable	ADJ
ajfti-2387	22	7	alternative	alternative	NOUN
ajfti-2387	22	8	for	for	ADP
ajfti-2387	22	9	small	small	ADJ
ajfti-2387	22	10	and	and	CCONJ
ajfti-2387	22	11	medium	medium	ADJ
ajfti-2387	22	12	-	-	PUNCT
ajfti-2387	22	13	sized	sized	ADJ
ajfti-2387	22	14	enterprises	enterprise	NOUN
ajfti-2387	22	15	(	(	PUNCT
ajfti-2387	22	16	smes	sme	NOUN
ajfti-2387	22	17	)	)	PUNCT
ajfti-2387	22	18	that	that	PRON
ajfti-2387	22	19	are	be	AUX
ajfti-2387	22	20	facing	face	VERB
ajfti-2387	22	21	financial	financial	ADJ
ajfti-2387	22	22	difficulties	difficulty	NOUN
ajfti-2387	22	23	.	.	PUNCT
ajfti-2387	23	1	despite	despite	SCONJ
ajfti-2387	23	2	the	the	DET
ajfti-2387	23	3	mena	mena	PROPN
ajfti-2387	23	4	region	region	PROPN
ajfti-2387	23	5	’s	’s	PART
ajfti-2387	23	6	lack	lack	NOUN
ajfti-2387	23	7	of	of	ADP
ajfti-2387	23	8	fintech	fintech	NOUN
ajfti-2387	23	9	investment	investment	NOUN
ajfti-2387	23	10	,	,	PUNCT
ajfti-2387	23	11	qatar	qatar	PROPN
ajfti-2387	23	12	’s	’s	PART
ajfti-2387	23	13	national	national	PROPN
ajfti-2387	23	14	fintech	fintech	NOUN
ajfti-2387	23	15	strategy	strategy	NOUN
ajfti-2387	23	16	portrays	portray	VERB
ajfti-2387	23	17	the	the	DET
ajfti-2387	23	18	country	country	NOUN
ajfti-2387	23	19	as	as	ADP
ajfti-2387	23	20	an	an	DET
ajfti-2387	23	21	innovator	innovator	NOUN
ajfti-2387	23	22	,	,	PUNCT
ajfti-2387	23	23	laying	lay	VERB
ajfti-2387	23	24	the	the	DET
ajfti-2387	23	25	groundwork	groundwork	NOUN
ajfti-2387	23	26	for	for	ADP
ajfti-2387	23	27	digital	digital	ADJ
ajfti-2387	23	28	transformation	transformation	NOUN
ajfti-2387	23	29	(	(	PUNCT
ajfti-2387	23	30	eckert	eckert	PROPN
ajfti-2387	23	31	&	&	CCONJ
ajfti-2387	23	32	osterrieder	osterrieder	PROPN
ajfti-2387	23	33	,	,	PUNCT
ajfti-2387	23	34	2020	2020	NUM
ajfti-2387	23	35	)	)	PUNCT
ajfti-2387	23	36	.	.	PUNCT
ajfti-2387	24	1	even	even	ADV
ajfti-2387	24	2	though	though	SCONJ
ajfti-2387	24	3	the	the	DET
ajfti-2387	24	4	country	country	NOUN
ajfti-2387	24	5	’s	’s	PART
ajfti-2387	24	6	fintech	fintech	NOUN
ajfti-2387	24	7	ecosystem	ecosystem	NOUN
ajfti-2387	24	8	is	be	AUX
ajfti-2387	24	9	still	still	ADV
ajfti-2387	24	10	in	in	ADP
ajfti-2387	24	11	its	its	PRON
ajfti-2387	24	12	early	early	ADJ
ajfti-2387	24	13	stage	stage	NOUN
ajfti-2387	24	14	,	,	PUNCT
ajfti-2387	24	15	it	it	PRON
ajfti-2387	24	16	has	have	VERB
ajfti-2387	24	17	a	a	DET
ajfti-2387	24	18	lot	lot	NOUN
ajfti-2387	24	19	of	of	ADP
ajfti-2387	24	20	room	room	NOUN
ajfti-2387	24	21	to	to	PART
ajfti-2387	24	22	develop	develop	VERB
ajfti-2387	24	23	if	if	SCONJ
ajfti-2387	24	24	infrastructure	infrastructure	NOUN
ajfti-2387	24	25	and	and	CCONJ
ajfti-2387	24	26	regulations	regulation	NOUN
ajfti-2387	24	27	are	be	AUX
ajfti-2387	24	28	strengthened	strengthen	VERB
ajfti-2387	24	29	(	(	PUNCT
ajfti-2387	24	30	khan	khan	PROPN
ajfti-2387	24	31	et	et	PROPN
ajfti-2387	24	32	al	al	PROPN
ajfti-2387	24	33	.	.	PROPN
ajfti-2387	24	34	,	,	PUNCT
ajfti-2387	24	35	2023	2023	NUM
ajfti-2387	24	36	)	)	PUNCT
ajfti-2387	24	37	.	.	PUNCT
ajfti-2387	25	1	understanding	understand	VERB
ajfti-2387	25	2	the	the	DET
ajfti-2387	25	3	potential	potential	NOUN
ajfti-2387	25	4	and	and	CCONJ
ajfti-2387	25	5	difficulties	difficulty	NOUN
ajfti-2387	25	6	that	that	PRON
ajfti-2387	25	7	come	come	VERB
ajfti-2387	25	8	with	with	ADP
ajfti-2387	25	9	this	this	DET
ajfti-2387	25	10	digital	digital	ADJ
ajfti-2387	25	11	transition	transition	NOUN
ajfti-2387	25	12	is	be	AUX
ajfti-2387	25	13	essential	essential	ADJ
ajfti-2387	25	14	as	as	SCONJ
ajfti-2387	25	15	fintech	fintech	NOUN
ajfti-2387	25	16	and	and	CCONJ
ajfti-2387	25	17	digital	digital	ADJ
ajfti-2387	25	18	insurance	insurance	NOUN
ajfti-2387	25	19	continue	continue	VERB
ajfti-2387	25	20	to	to	PART
ajfti-2387	25	21	grow	grow	VERB
ajfti-2387	25	22	in	in	ADP
ajfti-2387	25	23	popularity	popularity	NOUN
ajfti-2387	25	24	in	in	ADP
ajfti-2387	25	25	qatar	qatar	PROPN
ajfti-2387	25	26	(	(	PUNCT
ajfti-2387	25	27	hujaimi	hujaimi	VERB
ajfti-2387	25	28	et	et	PROPN
ajfti-2387	25	29	al	al	PROPN
ajfti-2387	25	30	.	.	PROPN
ajfti-2387	25	31	,	,	PUNCT
ajfti-2387	25	32	2022	2022	NUM
ajfti-2387	25	33	)	)	PUNCT
ajfti-2387	25	34	.	.	PUNCT
ajfti-2387	26	1	addressing	address	VERB
ajfti-2387	26	2	this	this	DET
ajfti-2387	26	3	gap	gap	NOUN
ajfti-2387	26	4	in	in	ADP
ajfti-2387	26	5	the	the	DET
ajfti-2387	26	6	1	1	NUM
ajfti-2387	26	7	metlife	metlife	NOUN
ajfti-2387	26	8	gulf	gulf	PROPN
ajfti-2387	26	9	,	,	PUNCT
ajfti-2387	26	10	dubai	dubai	PROPN
ajfti-2387	26	11	,	,	PUNCT
ajfti-2387	27	1	united	united	PROPN
ajfti-2387	27	2	arab	arab	PROPN
ajfti-2387	27	3	emirates	emirates	PROPN
ajfti-2387	27	4	*	*	PUNCT
ajfti-2387	27	5	corresponding	correspond	VERB
ajfti-2387	27	6	author	author	NOUN
ajfti-2387	27	7	’s	’s	PART
ajfti-2387	27	8	e	e	NOUN
ajfti-2387	27	9	-	-	NOUN
ajfti-2387	27	10	mail	mail	NOUN
ajfti-2387	27	11	:	:	PUNCT
ajfti-2387	27	12	dr.raed_elomari@outlook.com	dr.raed_elomari@outlook.com	PROPN
ajfti-2387	27	13	pa	pa	PROPN
ajfti-2387	27	14	ge	ge	PROPN
ajfti-2387	27	15	45	45	NUM
ajfti-2387	27	16	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2387	27	17	am	be	AUX
ajfti-2387	27	18	.	.	PUNCT
ajfti-2387	28	1	j.	j.	PROPN
ajfti-2387	28	2	financ	financ	PROPN
ajfti-2387	28	3	.	.	PUNCT
ajfti-2387	29	1	technol	technol	PROPN
ajfti-2387	29	2	.	.	PUNCT
ajfti-2387	29	3	innov	innov	PROPN
ajfti-2387	29	4	.	.	PUNCT
ajfti-2387	30	1	2(1	2(1	NUM
ajfti-2387	30	2	)	)	PUNCT
ajfti-2387	30	3	44	44	NUM
ajfti-2387	30	4	-	-	SYM
ajfti-2387	30	5	56	56	NUM
ajfti-2387	30	6	,	,	PUNCT
ajfti-2387	30	7	2024	2024	NUM
ajfti-2387	30	8	existing	exist	VERB
ajfti-2387	30	9	research	research	NOUN
ajfti-2387	30	10	,	,	PUNCT
ajfti-2387	30	11	this	this	DET
ajfti-2387	30	12	study	study	NOUN
ajfti-2387	30	13	presented	present	VERB
ajfti-2387	30	14	a	a	DET
ajfti-2387	30	15	synthesized	synthesize	VERB
ajfti-2387	30	16	conceptual	conceptual	ADJ
ajfti-2387	30	17	framework	framework	NOUN
ajfti-2387	30	18	that	that	PRON
ajfti-2387	30	19	integrates	integrate	VERB
ajfti-2387	30	20	relevant	relevant	ADJ
ajfti-2387	30	21	ideas	idea	NOUN
ajfti-2387	30	22	to	to	PART
ajfti-2387	30	23	comprehensively	comprehensively	ADV
ajfti-2387	30	24	analyze	analyze	VERB
ajfti-2387	30	25	the	the	DET
ajfti-2387	30	26	possibilities	possibility	NOUN
ajfti-2387	30	27	and	and	CCONJ
ajfti-2387	30	28	challenges	challenge	NOUN
ajfti-2387	30	29	in	in	ADP
ajfti-2387	30	30	the	the	DET
ajfti-2387	30	31	digital	digital	ADJ
ajfti-2387	30	32	insurance	insurance	NOUN
ajfti-2387	30	33	business	business	NOUN
ajfti-2387	30	34	.	.	PUNCT
ajfti-2387	31	1	the	the	DET
ajfti-2387	31	2	rationale	rationale	NOUN
ajfti-2387	31	3	lies	lie	VERB
ajfti-2387	31	4	in	in	ADP
ajfti-2387	31	5	the	the	DET
ajfti-2387	31	6	necessity	necessity	NOUN
ajfti-2387	31	7	for	for	ADP
ajfti-2387	31	8	a	a	DET
ajfti-2387	31	9	systematic	systematic	ADJ
ajfti-2387	31	10	,	,	PUNCT
ajfti-2387	31	11	theoretical	theoretical	ADJ
ajfti-2387	31	12	investigation	investigation	NOUN
ajfti-2387	31	13	to	to	PART
ajfti-2387	31	14	guide	guide	VERB
ajfti-2387	31	15	the	the	DET
ajfti-2387	31	16	development	development	NOUN
ajfti-2387	31	17	of	of	ADP
ajfti-2387	31	18	the	the	DET
ajfti-2387	31	19	insurance	insurance	NOUN
ajfti-2387	31	20	industry	industry	NOUN
ajfti-2387	31	21	through	through	ADP
ajfti-2387	31	22	digitalization	digitalization	NOUN
ajfti-2387	31	23	in	in	ADP
ajfti-2387	31	24	the	the	DET
ajfti-2387	31	25	context	context	NOUN
ajfti-2387	31	26	of	of	ADP
ajfti-2387	31	27	fintech	fintech	NOUN
ajfti-2387	31	28	(	(	PUNCT
ajfti-2387	31	29	eling	eling	PROPN
ajfti-2387	31	30	&	&	CCONJ
ajfti-2387	31	31	lehmann	lehmann	PROPN
ajfti-2387	31	32	,	,	PUNCT
ajfti-2387	31	33	2018	2018	NUM
ajfti-2387	31	34	)	)	PUNCT
ajfti-2387	31	35	.	.	PUNCT
ajfti-2387	32	1	furthermore	furthermore	ADV
ajfti-2387	32	2	,	,	PUNCT
ajfti-2387	32	3	this	this	DET
ajfti-2387	32	4	study	study	NOUN
ajfti-2387	32	5	aimed	aim	VERB
ajfti-2387	32	6	to	to	PART
ajfti-2387	32	7	thoroughly	thoroughly	ADV
ajfti-2387	32	8	analyse	analyse	VERB
ajfti-2387	32	9	the	the	DET
ajfti-2387	32	10	benefits	benefit	NOUN
ajfti-2387	32	11	and	and	CCONJ
ajfti-2387	32	12	difficulties	difficulty	NOUN
ajfti-2387	32	13	associated	associate	VERB
ajfti-2387	32	14	with	with	ADP
ajfti-2387	32	15	the	the	DET
ajfti-2387	32	16	fintech	fintech	NOUN
ajfti-2387	32	17	landscape	landscape	NOUN
ajfti-2387	32	18	’s	’s	PART
ajfti-2387	32	19	digitization	digitization	NOUN
ajfti-2387	32	20	of	of	ADP
ajfti-2387	32	21	the	the	DET
ajfti-2387	32	22	insurance	insurance	NOUN
ajfti-2387	32	23	sector	sector	NOUN
ajfti-2387	32	24	,	,	PUNCT
ajfti-2387	32	25	with	with	ADP
ajfti-2387	32	26	a	a	DET
ajfti-2387	32	27	particular	particular	ADJ
ajfti-2387	32	28	emphasis	emphasis	NOUN
ajfti-2387	32	29	on	on	ADP
ajfti-2387	32	30	qatar	qatar	NOUN
ajfti-2387	32	31	.	.	PUNCT
ajfti-2387	33	1	the	the	DET
ajfti-2387	33	2	study	study	NOUN
ajfti-2387	33	3	used	use	VERB
ajfti-2387	33	4	a	a	DET
ajfti-2387	33	5	grounded	ground	VERB
ajfti-2387	33	6	conceptual	conceptual	ADJ
ajfti-2387	33	7	framework	framework	NOUN
ajfti-2387	33	8	to	to	PART
ajfti-2387	33	9	examine	examine	VERB
ajfti-2387	33	10	several	several	ADJ
ajfti-2387	33	11	aspects	aspect	NOUN
ajfti-2387	33	12	,	,	PUNCT
ajfti-2387	33	13	such	such	ADJ
ajfti-2387	33	14	as	as	ADP
ajfti-2387	33	15	the	the	DET
ajfti-2387	33	16	adoption	adoption	NOUN
ajfti-2387	33	17	of	of	ADP
ajfti-2387	33	18	technology	technology	NOUN
ajfti-2387	33	19	,	,	PUNCT
ajfti-2387	33	20	legal	legal	ADJ
ajfti-2387	33	21	frameworks	framework	NOUN
ajfti-2387	33	22	,	,	PUNCT
ajfti-2387	33	23	cybersecurity	cybersecurity	NOUN
ajfti-2387	33	24	nuances	nuance	NOUN
ajfti-2387	33	25	,	,	PUNCT
ajfti-2387	33	26	market	market	NOUN
ajfti-2387	33	27	dynamics	dynamic	NOUN
ajfti-2387	33	28	,	,	PUNCT
ajfti-2387	33	29	and	and	CCONJ
ajfti-2387	33	30	the	the	DET
ajfti-2387	33	31	development	development	NOUN
ajfti-2387	33	32	of	of	ADP
ajfti-2387	33	33	digital	digital	ADJ
ajfti-2387	33	34	payment	payment	NOUN
ajfti-2387	33	35	systems	system	NOUN
ajfti-2387	33	36	.	.	PUNCT
ajfti-2387	34	1	the	the	DET
ajfti-2387	34	2	main	main	ADJ
ajfti-2387	34	3	objective	objective	NOUN
ajfti-2387	34	4	is	be	AUX
ajfti-2387	34	5	to	to	PART
ajfti-2387	34	6	give	give	VERB
ajfti-2387	34	7	policymakers	policymaker	NOUN
ajfti-2387	34	8	,	,	PUNCT
ajfti-2387	34	9	academics	academic	NOUN
ajfti-2387	34	10	,	,	PUNCT
ajfti-2387	34	11	and	and	CCONJ
ajfti-2387	34	12	stakeholders	stakeholder	VERB
ajfti-2387	34	13	an	an	DET
ajfti-2387	34	14	enlightened	enlightened	ADJ
ajfti-2387	34	15	perspective	perspective	NOUN
ajfti-2387	34	16	on	on	ADP
ajfti-2387	34	17	the	the	DET
ajfti-2387	34	18	changing	change	VERB
ajfti-2387	34	19	environment	environment	NOUN
ajfti-2387	34	20	of	of	ADP
ajfti-2387	34	21	digital	digital	ADJ
ajfti-2387	34	22	insurance	insurance	NOUN
ajfti-2387	34	23	.	.	PUNCT
ajfti-2387	35	1	through	through	ADP
ajfti-2387	35	2	this	this	PRON
ajfti-2387	35	3	,	,	PUNCT
ajfti-2387	35	4	the	the	DET
ajfti-2387	35	5	study	study	NOUN
ajfti-2387	35	6	has	have	AUX
ajfti-2387	35	7	made	make	VERB
ajfti-2387	35	8	a	a	DET
ajfti-2387	35	9	significant	significant	ADJ
ajfti-2387	35	10	contribution	contribution	NOUN
ajfti-2387	35	11	to	to	ADP
ajfti-2387	35	12	the	the	DET
ajfti-2387	35	13	constantly	constantly	ADV
ajfti-2387	35	14	changing	change	VERB
ajfti-2387	35	15	fintech	fintech	NOUN
ajfti-2387	35	16	and	and	CCONJ
ajfti-2387	35	17	digital	digital	ADJ
ajfti-2387	35	18	insurance	insurance	NOUN
ajfti-2387	35	19	sector	sector	NOUN
ajfti-2387	35	20	.	.	PUNCT
ajfti-2387	36	1	given	give	VERB
ajfti-2387	36	2	that	that	SCONJ
ajfti-2387	36	3	the	the	DET
ajfti-2387	36	4	insurance	insurance	NOUN
ajfti-2387	36	5	business	business	NOUN
ajfti-2387	36	6	growth	growth	NOUN
ajfti-2387	36	7	in	in	ADP
ajfti-2387	36	8	qatar	qatar	PROPN
ajfti-2387	36	9	,	,	PUNCT
ajfti-2387	36	10	it	it	PRON
ajfti-2387	36	11	is	be	AUX
ajfti-2387	36	12	critical	critical	ADJ
ajfti-2387	36	13	to	to	PART
ajfti-2387	36	14	comprehend	comprehend	VERB
ajfti-2387	36	15	the	the	DET
ajfti-2387	36	16	prospects	prospect	NOUN
ajfti-2387	36	17	and	and	CCONJ
ajfti-2387	36	18	obstacles	obstacle	NOUN
ajfti-2387	36	19	in	in	ADP
ajfti-2387	36	20	this	this	DET
ajfti-2387	36	21	field	field	NOUN
ajfti-2387	36	22	.	.	PUNCT
ajfti-2387	37	1	policymakers	policymaker	NOUN
ajfti-2387	37	2	may	may	AUX
ajfti-2387	37	3	use	use	VERB
ajfti-2387	37	4	the	the	DET
ajfti-2387	37	5	results	result	NOUN
ajfti-2387	37	6	to	to	PART
ajfti-2387	37	7	develop	develop	VERB
ajfti-2387	37	8	regulatory	regulatory	ADJ
ajfti-2387	37	9	frameworks	framework	NOUN
ajfti-2387	37	10	,	,	PUNCT
ajfti-2387	37	11	industry	industry	NOUN
ajfti-2387	37	12	participants	participant	NOUN
ajfti-2387	37	13	can	can	AUX
ajfti-2387	37	14	use	use	VERB
ajfti-2387	37	15	the	the	DET
ajfti-2387	37	16	insights	insight	NOUN
ajfti-2387	37	17	to	to	PART
ajfti-2387	37	18	make	make	VERB
ajfti-2387	37	19	strategic	strategic	ADJ
ajfti-2387	37	20	decisions	decision	NOUN
ajfti-2387	37	21	,	,	PUNCT
ajfti-2387	37	22	and	and	CCONJ
ajfti-2387	37	23	scholars	scholar	NOUN
ajfti-2387	37	24	can	can	AUX
ajfti-2387	37	25	add	add	VERB
ajfti-2387	37	26	to	to	ADP
ajfti-2387	37	27	the	the	DET
ajfti-2387	37	28	academic	academic	ADJ
ajfti-2387	37	29	discussion	discussion	NOUN
ajfti-2387	37	30	on	on	ADP
ajfti-2387	37	31	digitalization	digitalization	NOUN
ajfti-2387	37	32	’s	’s	PART
ajfti-2387	37	33	disruptive	disruptive	ADJ
ajfti-2387	37	34	potential	potential	NOUN
ajfti-2387	37	35	in	in	ADP
ajfti-2387	37	36	the	the	DET
ajfti-2387	37	37	insurance	insurance	NOUN
ajfti-2387	37	38	business	business	NOUN
ajfti-2387	37	39	.	.	PUNCT
ajfti-2387	38	1	literature	literature	NOUN
ajfti-2387	38	2	review	review	VERB
ajfti-2387	38	3	global	global	ADJ
ajfti-2387	38	4	fintech	fintech	NOUN
ajfti-2387	38	5	acceleration	acceleration	NOUN
ajfti-2387	38	6	and	and	CCONJ
ajfti-2387	38	7	qatar	qatar	PROPN
ajfti-2387	38	8	the	the	DET
ajfti-2387	38	9	worldwide	worldwide	ADJ
ajfti-2387	38	10	fintech	fintech	NOUN
ajfti-2387	38	11	business	business	NOUN
ajfti-2387	38	12	has	have	AUX
ajfti-2387	38	13	grown	grow	VERB
ajfti-2387	38	14	at	at	ADP
ajfti-2387	38	15	an	an	DET
ajfti-2387	38	16	exponential	exponential	ADJ
ajfti-2387	38	17	rate	rate	NOUN
ajfti-2387	38	18	over	over	ADP
ajfti-2387	38	19	the	the	DET
ajfti-2387	38	20	last	last	ADJ
ajfti-2387	38	21	decade	decade	NOUN
ajfti-2387	38	22	,	,	PUNCT
ajfti-2387	38	23	with	with	ADP
ajfti-2387	38	24	investments	investment	NOUN
ajfti-2387	38	25	reaching	reach	VERB
ajfti-2387	38	26	$	$	SYM
ajfti-2387	38	27	34.5	34.5	NUM
ajfti-2387	38	28	billion	billion	NUM
ajfti-2387	38	29	by	by	ADP
ajfti-2387	38	30	the	the	DET
ajfti-2387	38	31	end	end	NOUN
ajfti-2387	38	32	of	of	ADP
ajfti-2387	38	33	2019	2019	NUM
ajfti-2387	38	34	.	.	PUNCT
ajfti-2387	39	1	the	the	DET
ajfti-2387	39	2	middle	middle	PROPN
ajfti-2387	39	3	east	east	PROPN
ajfti-2387	39	4	and	and	CCONJ
ajfti-2387	39	5	north	north	PROPN
ajfti-2387	39	6	africa	africa	PROPN
ajfti-2387	39	7	(	(	PUNCT
ajfti-2387	39	8	mena	mena	PROPN
ajfti-2387	39	9	)	)	PUNCT
ajfti-2387	39	10	area	area	NOUN
ajfti-2387	39	11	,	,	PUNCT
ajfti-2387	39	12	on	on	ADP
ajfti-2387	39	13	the	the	DET
ajfti-2387	39	14	other	other	ADJ
ajfti-2387	39	15	hand	hand	NOUN
ajfti-2387	39	16	,	,	PUNCT
ajfti-2387	39	17	accounted	account	VERB
ajfti-2387	39	18	for	for	ADP
ajfti-2387	39	19	less	less	ADJ
ajfti-2387	39	20	than	than	ADP
ajfti-2387	39	21	1	1	NUM
ajfti-2387	39	22	%	%	NOUN
ajfti-2387	39	23	of	of	ADP
ajfti-2387	39	24	worldwide	worldwide	ADJ
ajfti-2387	39	25	investments	investment	NOUN
ajfti-2387	39	26	(	(	PUNCT
ajfti-2387	39	27	pant	pant	NOUN
ajfti-2387	39	28	,	,	PUNCT
ajfti-2387	39	29	2020	2020	NUM
ajfti-2387	39	30	)	)	PUNCT
ajfti-2387	39	31	.	.	PUNCT
ajfti-2387	40	1	the	the	DET
ajfti-2387	40	2	covid-19	covid-19	PROPN
ajfti-2387	40	3	epidemic	epidemic	NOUN
ajfti-2387	40	4	has	have	AUX
ajfti-2387	40	5	,	,	PUNCT
ajfti-2387	40	6	therefore	therefore	ADV
ajfti-2387	40	7	,	,	PUNCT
ajfti-2387	40	8	expedited	expedite	VERB
ajfti-2387	40	9	the	the	DET
ajfti-2387	40	10	global	global	ADJ
ajfti-2387	40	11	financial	financial	ADJ
ajfti-2387	40	12	institutions	institution	NOUN
ajfti-2387	40	13	’	'	PUNCT
ajfti-2387	40	14	digital	digital	ADJ
ajfti-2387	40	15	transition	transition	NOUN
ajfti-2387	40	16	and	and	CCONJ
ajfti-2387	40	17	laid	lay	VERB
ajfti-2387	40	18	the	the	DET
ajfti-2387	40	19	groundwork	groundwork	NOUN
ajfti-2387	40	20	for	for	ADP
ajfti-2387	40	21	digital	digital	ADJ
ajfti-2387	40	22	growth	growth	NOUN
ajfti-2387	40	23	in	in	ADP
ajfti-2387	40	24	the	the	DET
ajfti-2387	40	25	middle	middle	PROPN
ajfti-2387	40	26	east	east	PROPN
ajfti-2387	40	27	and	and	CCONJ
ajfti-2387	40	28	north	north	PROPN
ajfti-2387	40	29	africa	africa	PROPN
ajfti-2387	40	30	(	(	PUNCT
ajfti-2387	40	31	mena	mena	PROPN
ajfti-2387	40	32	)	)	PUNCT
ajfti-2387	40	33	.	.	PUNCT
ajfti-2387	41	1	the	the	DET
ajfti-2387	41	2	mena	mena	PROPN
ajfti-2387	41	3	area	area	PROPN
ajfti-2387	41	4	,	,	PUNCT
ajfti-2387	41	5	which	which	PRON
ajfti-2387	41	6	includes	include	VERB
ajfti-2387	41	7	qatar	qatar	NOUN
ajfti-2387	41	8	,	,	PUNCT
ajfti-2387	41	9	has	have	AUX
ajfti-2387	41	10	seen	see	VERB
ajfti-2387	41	11	a	a	DET
ajfti-2387	41	12	notable	notable	ADJ
ajfti-2387	41	13	shift	shift	NOUN
ajfti-2387	41	14	towards	towards	ADP
ajfti-2387	41	15	online	online	ADJ
ajfti-2387	41	16	commercial	commercial	ADJ
ajfti-2387	41	17	activity	activity	NOUN
ajfti-2387	41	18	and	and	CCONJ
ajfti-2387	41	19	contactless	contactless	NOUN
ajfti-2387	41	20	payments	payment	NOUN
ajfti-2387	41	21	throughout	throughout	ADP
ajfti-2387	41	22	the	the	DET
ajfti-2387	41	23	covid	covid	NOUN
ajfti-2387	41	24	and	and	CCONJ
ajfti-2387	41	25	post	post	ADJ
ajfti-2387	41	26	-	-	ADJ
ajfti-2387	41	27	covid	covid	ADJ
ajfti-2387	41	28	periods	period	NOUN
ajfti-2387	41	29	(	(	PUNCT
ajfti-2387	41	30	abidi	abidi	PROPN
ajfti-2387	41	31	et	et	PROPN
ajfti-2387	41	32	al	al	PROPN
ajfti-2387	41	33	.	.	PROPN
ajfti-2387	41	34	,	,	PUNCT
ajfti-2387	41	35	2022	2022	NUM
ajfti-2387	41	36	)	)	PUNCT
ajfti-2387	41	37	.	.	PUNCT
ajfti-2387	42	1	financial	financial	ADJ
ajfti-2387	42	2	regulators	regulator	NOUN
ajfti-2387	42	3	in	in	ADP
ajfti-2387	42	4	developing	develop	VERB
ajfti-2387	42	5	fintech	fintech	NOUN
ajfti-2387	42	6	countries	country	NOUN
ajfti-2387	42	7	,	,	PUNCT
ajfti-2387	42	8	such	such	ADJ
ajfti-2387	42	9	as	as	ADP
ajfti-2387	42	10	qatar	qatar	NOUN
ajfti-2387	42	11	,	,	PUNCT
ajfti-2387	42	12	have	have	AUX
ajfti-2387	42	13	taken	take	VERB
ajfti-2387	42	14	a	a	DET
ajfti-2387	42	15	proactive	proactive	ADJ
ajfti-2387	42	16	approach	approach	NOUN
ajfti-2387	42	17	to	to	ADP
ajfti-2387	42	18	fintech	fintech	NOUN
ajfti-2387	42	19	regulation	regulation	NOUN
ajfti-2387	42	20	,	,	PUNCT
ajfti-2387	42	21	assuring	assure	VERB
ajfti-2387	42	22	consumer	consumer	NOUN
ajfti-2387	42	23	safety	safety	NOUN
ajfti-2387	42	24	and	and	CCONJ
ajfti-2387	42	25	financial	financial	ADJ
ajfti-2387	42	26	system	system	NOUN
ajfti-2387	42	27	stability	stability	NOUN
ajfti-2387	42	28	(	(	PUNCT
ajfti-2387	42	29	sadigov	sadigov	PROPN
ajfti-2387	42	30	et	et	PROPN
ajfti-2387	42	31	al	al	PROPN
ajfti-2387	42	32	.	.	PROPN
ajfti-2387	42	33	,	,	PUNCT
ajfti-2387	42	34	2020	2020	NUM
ajfti-2387	42	35	)	)	PUNCT
ajfti-2387	42	36	.	.	PUNCT
ajfti-2387	43	1	in	in	ADP
ajfti-2387	43	2	addition	addition	NOUN
ajfti-2387	43	3	,	,	PUNCT
ajfti-2387	43	4	the	the	DET
ajfti-2387	43	5	growing	grow	VERB
ajfti-2387	43	6	dependence	dependence	NOUN
ajfti-2387	43	7	on	on	ADP
ajfti-2387	43	8	digital	digital	ADJ
ajfti-2387	43	9	platforms	platform	NOUN
ajfti-2387	43	10	has	have	AUX
ajfti-2387	43	11	sparked	spark	VERB
ajfti-2387	43	12	worries	worry	NOUN
ajfti-2387	43	13	about	about	ADP
ajfti-2387	43	14	cyber	cyber	NOUN
ajfti-2387	43	15	security	security	NOUN
ajfti-2387	43	16	threats	threat	NOUN
ajfti-2387	43	17	(	(	PUNCT
ajfti-2387	43	18	lallie	lallie	PROPN
ajfti-2387	43	19	et	et	PROPN
ajfti-2387	43	20	al	al	PROPN
ajfti-2387	43	21	.	.	PROPN
ajfti-2387	43	22	,	,	PUNCT
ajfti-2387	43	23	2021	2021	NUM
ajfti-2387	43	24	)	)	PUNCT
ajfti-2387	43	25	,	,	PUNCT
ajfti-2387	43	26	driving	drive	VERB
ajfti-2387	43	27	up	up	ADP
ajfti-2387	43	28	cyber	cyber	NOUN
ajfti-2387	43	29	security	security	NOUN
ajfti-2387	43	30	expenditures	expenditure	NOUN
ajfti-2387	43	31	and	and	CCONJ
ajfti-2387	43	32	necessitating	necessitate	VERB
ajfti-2387	43	33	coordinated	coordinate	VERB
ajfti-2387	43	34	plans	plan	NOUN
ajfti-2387	43	35	to	to	PART
ajfti-2387	43	36	drive	drive	VERB
ajfti-2387	43	37	digital	digital	ADJ
ajfti-2387	43	38	transformation	transformation	NOUN
ajfti-2387	43	39	aggressively	aggressively	ADV
ajfti-2387	43	40	(	(	PUNCT
ajfti-2387	43	41	wilson	wilson	PROPN
ajfti-2387	43	42	,	,	PUNCT
ajfti-2387	43	43	2020	2020	NUM
ajfti-2387	43	44	)	)	PUNCT
ajfti-2387	43	45	.	.	PUNCT
ajfti-2387	44	1	furthermore	furthermore	ADV
ajfti-2387	44	2	,	,	PUNCT
ajfti-2387	44	3	qatar	qatar	PROPN
ajfti-2387	44	4	has	have	AUX
ajfti-2387	44	5	advanced	advance	VERB
ajfti-2387	44	6	significantly	significantly	ADV
ajfti-2387	44	7	in	in	ADP
ajfti-2387	44	8	creating	create	VERB
ajfti-2387	44	9	a	a	DET
ajfti-2387	44	10	strong	strong	ADJ
ajfti-2387	44	11	fintech	fintech	NOUN
ajfti-2387	44	12	environment	environment	NOUN
ajfti-2387	44	13	.	.	PUNCT
ajfti-2387	45	1	the	the	DET
ajfti-2387	45	2	national	national	ADJ
ajfti-2387	45	3	fintech	fintech	NOUN
ajfti-2387	45	4	strategy	strategy	NOUN
ajfti-2387	45	5	of	of	ADP
ajfti-2387	45	6	qatar	qatar	PROPN
ajfti-2387	45	7	was	be	AUX
ajfti-2387	45	8	released	release	VERB
ajfti-2387	45	9	in	in	ADP
ajfti-2387	45	10	december	december	PROPN
ajfti-2387	45	11	2019	2019	NUM
ajfti-2387	45	12	and	and	CCONJ
ajfti-2387	45	13	was	be	AUX
ajfti-2387	45	14	based	base	VERB
ajfti-2387	45	15	on	on	ADP
ajfti-2387	45	16	the	the	DET
ajfti-2387	45	17	work	work	NOUN
ajfti-2387	45	18	of	of	ADP
ajfti-2387	45	19	the	the	DET
ajfti-2387	45	20	national	national	ADJ
ajfti-2387	45	21	fintech	fintech	NOUN
ajfti-2387	45	22	taskforce	taskforce	NOUN
ajfti-2387	45	23	that	that	PRON
ajfti-2387	45	24	was	be	AUX
ajfti-2387	45	25	formed	form	VERB
ajfti-2387	45	26	in	in	ADP
ajfti-2387	45	27	2017	2017	NUM
ajfti-2387	45	28	(	(	PUNCT
ajfti-2387	45	29	hub	hub	NOUN
ajfti-2387	45	30	,	,	PUNCT
ajfti-2387	45	31	2021	2021	NUM
ajfti-2387	45	32	)	)	PUNCT
ajfti-2387	45	33	.	.	PUNCT
ajfti-2387	46	1	through	through	ADP
ajfti-2387	46	2	support	support	NOUN
ajfti-2387	46	3	from	from	ADP
ajfti-2387	46	4	the	the	DET
ajfti-2387	46	5	qatar	qatar	PROPN
ajfti-2387	46	6	central	central	PROPN
ajfti-2387	46	7	bank	bank	PROPN
ajfti-2387	46	8	(	(	PUNCT
ajfti-2387	46	9	qcb	qcb	PROPN
ajfti-2387	46	10	)	)	PUNCT
ajfti-2387	46	11	,	,	PUNCT
ajfti-2387	46	12	the	the	DET
ajfti-2387	46	13	plan	plan	NOUN
ajfti-2387	46	14	calls	call	VERB
ajfti-2387	46	15	for	for	ADP
ajfti-2387	46	16	the	the	DET
ajfti-2387	46	17	creation	creation	NOUN
ajfti-2387	46	18	of	of	ADP
ajfti-2387	46	19	the	the	DET
ajfti-2387	46	20	qatar	qatar	PROPN
ajfti-2387	46	21	fintech	fintech	NOUN
ajfti-2387	46	22	hub	hub	NOUN
ajfti-2387	46	23	(	(	PUNCT
ajfti-2387	46	24	qfth	qfth	ADJ
ajfti-2387	46	25	)	)	PUNCT
ajfti-2387	46	26	in	in	ADP
ajfti-2387	46	27	april	april	PROPN
ajfti-2387	46	28	2020	2020	NUM
ajfti-2387	46	29	.	.	PUNCT
ajfti-2387	47	1	applications	application	NOUN
ajfti-2387	47	2	for	for	ADP
ajfti-2387	47	3	qfth	qfth	PROPN
ajfti-2387	47	4	’s	’s	PART
ajfti-2387	47	5	incubator	incubator	NOUN
ajfti-2387	47	6	and	and	CCONJ
ajfti-2387	47	7	accelerator	accelerator	NOUN
ajfti-2387	47	8	programs	program	NOUN
ajfti-2387	47	9	come	come	VERB
ajfti-2387	47	10	from	from	ADP
ajfti-2387	47	11	all	all	ADV
ajfti-2387	47	12	around	around	ADP
ajfti-2387	47	13	the	the	DET
ajfti-2387	47	14	world	world	NOUN
ajfti-2387	47	15	.	.	PUNCT
ajfti-2387	48	1	additionally	additionally	ADV
ajfti-2387	48	2	,	,	PUNCT
ajfti-2387	48	3	the	the	DET
ajfti-2387	48	4	qcb	qcb	PROPN
ajfti-2387	48	5	formed	form	VERB
ajfti-2387	48	6	its	its	PRON
ajfti-2387	48	7	fintech	fintech	NOUN
ajfti-2387	48	8	office	office	NOUN
ajfti-2387	48	9	,	,	PUNCT
ajfti-2387	48	10	whose	whose	DET
ajfti-2387	48	11	duties	duty	NOUN
ajfti-2387	48	12	include	include	VERB
ajfti-2387	48	13	enacting	enact	VERB
ajfti-2387	48	14	rules	rule	NOUN
ajfti-2387	48	15	and	and	CCONJ
ajfti-2387	48	16	carrying	carry	VERB
ajfti-2387	48	17	out	out	ADP
ajfti-2387	48	18	fintech	fintech	NOUN
ajfti-2387	48	19	goals	goal	NOUN
ajfti-2387	48	20	(	(	PUNCT
ajfti-2387	48	21	khan	khan	PROPN
ajfti-2387	48	22	et	et	PROPN
ajfti-2387	48	23	al	al	PROPN
ajfti-2387	48	24	.	.	PROPN
ajfti-2387	48	25	,	,	PUNCT
ajfti-2387	48	26	2023	2023	NUM
ajfti-2387	48	27	)	)	PUNCT
ajfti-2387	48	28	.	.	PUNCT
ajfti-2387	49	1	consequently	consequently	ADV
ajfti-2387	49	2	,	,	PUNCT
ajfti-2387	49	3	qatar	qatar	PROPN
ajfti-2387	49	4	has	have	VERB
ajfti-2387	49	5	an	an	DET
ajfti-2387	49	6	intriguing	intriguing	ADJ
ajfti-2387	49	7	opportunity	opportunity	NOUN
ajfti-2387	49	8	to	to	PART
ajfti-2387	49	9	harness	harness	VERB
ajfti-2387	49	10	its	its	PRON
ajfti-2387	49	11	islamic	islamic	ADJ
ajfti-2387	49	12	financial	financial	ADJ
ajfti-2387	49	13	knowledge	knowledge	NOUN
ajfti-2387	49	14	and	and	CCONJ
ajfti-2387	49	15	gain	gain	VERB
ajfti-2387	49	16	a	a	DET
ajfti-2387	49	17	competitive	competitive	ADJ
ajfti-2387	49	18	advantage	advantage	NOUN
ajfti-2387	49	19	in	in	ADP
ajfti-2387	49	20	islamic	islamic	ADJ
ajfti-2387	49	21	technology	technology	NOUN
ajfti-2387	49	22	.	.	PUNCT
ajfti-2387	50	1	opportunities	opportunity	NOUN
ajfti-2387	50	2	for	for	ADP
ajfti-2387	50	3	qatar	qatar	NOUN
ajfti-2387	50	4	to	to	PART
ajfti-2387	50	5	flourish	flourish	VERB
ajfti-2387	50	6	in	in	ADP
ajfti-2387	50	7	the	the	DET
ajfti-2387	50	8	islamic	islamic	ADJ
ajfti-2387	50	9	fintech	fintech	NOUN
ajfti-2387	50	10	sector	sector	NOUN
ajfti-2387	50	11	include	include	VERB
ajfti-2387	50	12	shariah	shariah	PROPN
ajfti-2387	50	13	-	-	PUNCT
ajfti-2387	50	14	compliant	compliant	ADJ
ajfti-2387	50	15	venture	venture	NOUN
ajfti-2387	50	16	capital	capital	NOUN
ajfti-2387	50	17	investments	investment	NOUN
ajfti-2387	50	18	and	and	CCONJ
ajfti-2387	50	19	islamic	islamic	ADJ
ajfti-2387	50	20	regtech	regtech	PROPN
ajfti-2387	50	21	.	.	PUNCT
ajfti-2387	51	1	qatar	qatar	PROPN
ajfti-2387	51	2	might	might	AUX
ajfti-2387	51	3	encourage	encourage	VERB
ajfti-2387	51	4	islamic	islamic	ADJ
ajfti-2387	51	5	venture	venture	NOUN
ajfti-2387	51	6	capital	capital	NOUN
ajfti-2387	51	7	investments	investment	NOUN
ajfti-2387	51	8	in	in	ADP
ajfti-2387	51	9	fintechs	fintech	NOUN
ajfti-2387	51	10	by	by	ADP
ajfti-2387	51	11	providing	provide	VERB
ajfti-2387	51	12	incentives	incentive	NOUN
ajfti-2387	51	13	and	and	CCONJ
ajfti-2387	51	14	collaborating	collaborate	VERB
ajfti-2387	51	15	with	with	ADP
ajfti-2387	51	16	islamic	islamic	ADJ
ajfti-2387	51	17	investment	investment	NOUN
ajfti-2387	51	18	banks	bank	NOUN
ajfti-2387	51	19	(	(	PUNCT
ajfti-2387	51	20	muneeza	muneeza	PROPN
ajfti-2387	51	21	&	&	CCONJ
ajfti-2387	51	22	mustapha	mustapha	PROPN
ajfti-2387	51	23	,	,	PUNCT
ajfti-2387	51	24	2021	2021	NUM
ajfti-2387	51	25	)	)	PUNCT
ajfti-2387	51	26	.	.	PUNCT
ajfti-2387	52	1	additionally	additionally	ADV
ajfti-2387	52	2	,	,	PUNCT
ajfti-2387	52	3	alternative	alternative	ADJ
ajfti-2387	52	4	lenders	lender	NOUN
ajfti-2387	52	5	and	and	CCONJ
ajfti-2387	52	6	internet	internet	NOUN
ajfti-2387	52	7	banks	bank	NOUN
ajfti-2387	52	8	can	can	AUX
ajfti-2387	52	9	reach	reach	VERB
ajfti-2387	52	10	the	the	DET
ajfti-2387	52	11	sme	sme	NOUN
ajfti-2387	52	12	sector	sector	NOUN
ajfti-2387	52	13	by	by	ADP
ajfti-2387	52	14	offering	offer	VERB
ajfti-2387	52	15	specialized	specialized	ADJ
ajfti-2387	52	16	financial	financial	ADJ
ajfti-2387	52	17	facilities	facility	NOUN
ajfti-2387	52	18	and	and	CCONJ
ajfti-2387	52	19	affordable	affordable	ADJ
ajfti-2387	52	20	small	small	ADJ
ajfti-2387	52	21	company	company	NOUN
ajfti-2387	52	22	loans	loan	NOUN
ajfti-2387	52	23	(	(	PUNCT
ajfti-2387	52	24	gopal	gopal	PROPN
ajfti-2387	52	25	&	&	CCONJ
ajfti-2387	52	26	schnabl	schnabl	PROPN
ajfti-2387	52	27	,	,	PUNCT
ajfti-2387	52	28	2022	2022	NUM
ajfti-2387	52	29	)	)	PUNCT
ajfti-2387	52	30	.	.	PUNCT
ajfti-2387	53	1	in	in	ADP
ajfti-2387	53	2	addition	addition	NOUN
ajfti-2387	53	3	,	,	PUNCT
ajfti-2387	53	4	the	the	DET
ajfti-2387	53	5	expanding	expand	VERB
ajfti-2387	53	6	e	e	PROPN
ajfti-2387	53	7	-	-	NOUN
ajfti-2387	53	8	commerce	commerce	NOUN
ajfti-2387	53	9	market	market	NOUN
ajfti-2387	53	10	in	in	ADP
ajfti-2387	53	11	qatar	qatar	NOUN
ajfti-2387	53	12	presents	present	VERB
ajfti-2387	53	13	opportunities	opportunity	NOUN
ajfti-2387	53	14	for	for	ADP
ajfti-2387	53	15	providers	provider	NOUN
ajfti-2387	53	16	of	of	ADP
ajfti-2387	53	17	payment	payment	NOUN
ajfti-2387	53	18	solutions	solution	NOUN
ajfti-2387	53	19	to	to	PART
ajfti-2387	53	20	meet	meet	VERB
ajfti-2387	53	21	the	the	DET
ajfti-2387	53	22	growing	grow	VERB
ajfti-2387	53	23	need	need	NOUN
ajfti-2387	53	24	for	for	ADP
ajfti-2387	53	25	contactless	contactless	NOUN
ajfti-2387	53	26	and	and	CCONJ
ajfti-2387	53	27	digital	digital	ADJ
ajfti-2387	53	28	payment	payment	NOUN
ajfti-2387	53	29	gateways	gateway	NOUN
ajfti-2387	53	30	(	(	PUNCT
ajfti-2387	53	31	haron	haron	PROPN
ajfti-2387	53	32	,	,	PUNCT
ajfti-2387	53	33	2016	2016	NUM
ajfti-2387	53	34	)	)	PUNCT
ajfti-2387	53	35	.	.	PUNCT
ajfti-2387	54	1	with	with	ADP
ajfti-2387	54	2	the	the	DET
ajfti-2387	54	3	ability	ability	NOUN
ajfti-2387	54	4	to	to	PART
ajfti-2387	54	5	conduct	conduct	VERB
ajfti-2387	54	6	banking	banking	NOUN
ajfti-2387	54	7	,	,	PUNCT
ajfti-2387	54	8	make	make	VERB
ajfti-2387	54	9	payments	payment	NOUN
ajfti-2387	54	10	,	,	PUNCT
ajfti-2387	54	11	and	and	CCONJ
ajfti-2387	54	12	send	send	VERB
ajfti-2387	54	13	money	money	NOUN
ajfti-2387	54	14	without	without	ADP
ajfti-2387	54	15	requiring	require	VERB
ajfti-2387	54	16	a	a	DET
ajfti-2387	54	17	traditional	traditional	ADJ
ajfti-2387	54	18	bank	bank	NOUN
ajfti-2387	54	19	account	account	NOUN
ajfti-2387	54	20	,	,	PUNCT
ajfti-2387	54	21	digital	digital	ADJ
ajfti-2387	54	22	wallets	wallet	NOUN
ajfti-2387	54	23	can	can	AUX
ajfti-2387	54	24	also	also	ADV
ajfti-2387	54	25	benefit	benefit	VERB
ajfti-2387	54	26	low	low	ADJ
ajfti-2387	54	27	-	-	PUNCT
ajfti-2387	54	28	income	income	NOUN
ajfti-2387	54	29	workers	worker	NOUN
ajfti-2387	54	30	who	who	PRON
ajfti-2387	54	31	are	be	AUX
ajfti-2387	54	32	underprivileged	underprivileged	ADJ
ajfti-2387	54	33	or	or	CCONJ
ajfti-2387	54	34	have	have	AUX
ajfti-2387	54	35	n’t	not	PART
ajfti-2387	54	36	financed	finance	VERB
ajfti-2387	54	37	at	at	ADP
ajfti-2387	54	38	all	all	ADV
ajfti-2387	54	39	(	(	PUNCT
ajfti-2387	54	40	hassan	hassan	PROPN
ajfti-2387	54	41	&	&	CCONJ
ajfti-2387	54	42	shukur	shukur	PROPN
ajfti-2387	54	43	,	,	PUNCT
ajfti-2387	54	44	2019	2019	NUM
ajfti-2387	54	45	)	)	PUNCT
ajfti-2387	54	46	.	.	PUNCT
ajfti-2387	55	1	nonetheless	nonetheless	ADV
ajfti-2387	55	2	,	,	PUNCT
ajfti-2387	55	3	sustained	sustain	VERB
ajfti-2387	55	4	endeavors	endeavor	NOUN
ajfti-2387	55	5	in	in	ADP
ajfti-2387	55	6	regulatory	regulatory	ADJ
ajfti-2387	55	7	structures	structure	NOUN
ajfti-2387	55	8	,	,	PUNCT
ajfti-2387	55	9	cybersecurity	cybersecurity	NOUN
ajfti-2387	55	10	protocols	protocol	NOUN
ajfti-2387	55	11	,	,	PUNCT
ajfti-2387	55	12	and	and	CCONJ
ajfti-2387	55	13	global	global	ADJ
ajfti-2387	55	14	partnerships	partnership	NOUN
ajfti-2387	55	15	will	will	AUX
ajfti-2387	55	16	be	be	AUX
ajfti-2387	55	17	imperative	imperative	ADJ
ajfti-2387	55	18	for	for	ADP
ajfti-2387	55	19	the	the	DET
ajfti-2387	55	20	expeditious	expeditious	ADJ
ajfti-2387	55	21	advancement	advancement	NOUN
ajfti-2387	55	22	of	of	ADP
ajfti-2387	55	23	fintech	fintech	NOUN
ajfti-2387	55	24	in	in	ADP
ajfti-2387	55	25	qatar	qatar	PROPN
ajfti-2387	55	26	.	.	PUNCT
ajfti-2387	55	27	digitalization	digitalization	NOUN
ajfti-2387	55	28	in	in	ADP
ajfti-2387	55	29	the	the	DET
ajfti-2387	55	30	insurance	insurance	NOUN
ajfti-2387	55	31	sector	sector	NOUN
ajfti-2387	55	32	the	the	DET
ajfti-2387	55	33	covid-19	covid-19	PROPN
ajfti-2387	55	34	crisis	crisis	NOUN
ajfti-2387	55	35	has	have	AUX
ajfti-2387	55	36	catapulted	catapult	VERB
ajfti-2387	55	37	the	the	DET
ajfti-2387	55	38	insurance	insurance	NOUN
ajfti-2387	55	39	sector	sector	NOUN
ajfti-2387	55	40	into	into	ADP
ajfti-2387	55	41	a	a	DET
ajfti-2387	55	42	critical	critical	ADJ
ajfti-2387	55	43	stage	stage	NOUN
ajfti-2387	55	44	of	of	ADP
ajfti-2387	55	45	digital	digital	ADJ
ajfti-2387	55	46	transformation	transformation	NOUN
ajfti-2387	55	47	,	,	PUNCT
ajfti-2387	55	48	elevating	elevate	VERB
ajfti-2387	55	49	digitization	digitization	NOUN
ajfti-2387	55	50	from	from	ADP
ajfti-2387	55	51	a	a	DET
ajfti-2387	55	52	strategic	strategic	ADJ
ajfti-2387	55	53	choice	choice	NOUN
ajfti-2387	55	54	to	to	ADP
ajfti-2387	55	55	an	an	DET
ajfti-2387	55	56	absolute	absolute	ADJ
ajfti-2387	55	57	must	must	NOUN
ajfti-2387	55	58	.	.	PUNCT
ajfti-2387	56	1	the	the	DET
ajfti-2387	56	2	insurance	insurance	NOUN
ajfti-2387	56	3	industry	industry	NOUN
ajfti-2387	56	4	is	be	AUX
ajfti-2387	56	5	seeing	see	VERB
ajfti-2387	56	6	a	a	DET
ajfti-2387	56	7	transformation	transformation	NOUN
ajfti-2387	56	8	in	in	ADP
ajfti-2387	56	9	its	its	PRON
ajfti-2387	56	10	conventional	conventional	ADJ
ajfti-2387	56	11	business	business	NOUN
ajfti-2387	56	12	structures	structure	NOUN
ajfti-2387	56	13	and	and	CCONJ
ajfti-2387	56	14	value	value	NOUN
ajfti-2387	56	15	chain	chain	NOUN
ajfti-2387	56	16	due	due	ADP
ajfti-2387	56	17	to	to	ADP
ajfti-2387	56	18	digitization	digitization	NOUN
ajfti-2387	56	19	(	(	PUNCT
ajfti-2387	56	20	cherqaoui	cherqaoui	ADJ
ajfti-2387	56	21	,	,	PUNCT
ajfti-2387	56	22	2021	2021	NUM
ajfti-2387	56	23	)	)	PUNCT
ajfti-2387	56	24	.	.	PUNCT
ajfti-2387	57	1	prior	prior	ADV
ajfti-2387	57	2	to	to	ADP
ajfti-2387	57	3	the	the	DET
ajfti-2387	57	4	pandemic	pandemic	NOUN
ajfti-2387	57	5	,	,	PUNCT
ajfti-2387	57	6	the	the	DET
ajfti-2387	57	7	shift	shift	NOUN
ajfti-2387	57	8	to	to	ADP
ajfti-2387	57	9	digital	digital	ADJ
ajfti-2387	57	10	technology	technology	NOUN
ajfti-2387	57	11	was	be	AUX
ajfti-2387	57	12	underway	underway	ADJ
ajfti-2387	57	13	,	,	PUNCT
ajfti-2387	57	14	with	with	ADP
ajfti-2387	57	15	an	an	DET
ajfti-2387	57	16	emphasis	emphasis	NOUN
ajfti-2387	57	17	on	on	ADP
ajfti-2387	57	18	online	online	ADJ
ajfti-2387	57	19	distribution	distribution	NOUN
ajfti-2387	57	20	channels	channel	NOUN
ajfti-2387	57	21	and	and	CCONJ
ajfti-2387	57	22	customer	customer	NOUN
ajfti-2387	57	23	-	-	PUNCT
ajfti-2387	57	24	centric	centric	ADJ
ajfti-2387	57	25	strategies	strategy	NOUN
ajfti-2387	57	26	.	.	PUNCT
ajfti-2387	58	1	advanced	advanced	ADJ
ajfti-2387	58	2	digital	digital	ADJ
ajfti-2387	58	3	technologies	technology	NOUN
ajfti-2387	58	4	,	,	PUNCT
ajfti-2387	58	5	however	however	ADV
ajfti-2387	58	6	,	,	PUNCT
ajfti-2387	58	7	aim	aim	VERB
ajfti-2387	58	8	to	to	PART
ajfti-2387	58	9	enhance	enhance	VERB
ajfti-2387	58	10	market	market	NOUN
ajfti-2387	58	11	dynamics	dynamic	NOUN
ajfti-2387	58	12	and	and	CCONJ
ajfti-2387	58	13	competitiveness	competitiveness	NOUN
ajfti-2387	58	14	through	through	ADP
ajfti-2387	58	15	openness	openness	NOUN
ajfti-2387	58	16	,	,	PUNCT
ajfti-2387	58	17	comparability	comparability	NOUN
ajfti-2387	58	18	,	,	PUNCT
ajfti-2387	58	19	reduced	reduce	VERB
ajfti-2387	58	20	transaction	transaction	NOUN
ajfti-2387	58	21	costs	cost	NOUN
ajfti-2387	58	22	,	,	PUNCT
ajfti-2387	58	23	and	and	CCONJ
ajfti-2387	58	24	the	the	DET
ajfti-2387	58	25	expanded	expand	VERB
ajfti-2387	58	26	reach	reach	NOUN
ajfti-2387	58	27	of	of	ADP
ajfti-2387	58	28	online	online	ADJ
ajfti-2387	58	29	platforms	platform	NOUN
ajfti-2387	58	30	,	,	PUNCT
ajfti-2387	58	31	going	go	VERB
ajfti-2387	58	32	beyond	beyond	ADP
ajfti-2387	58	33	efficiency	efficiency	NOUN
ajfti-2387	58	34	advantages	advantage	NOUN
ajfti-2387	58	35	(	(	PUNCT
ajfti-2387	58	36	aidrous	aidrous	ADJ
ajfti-2387	58	37	et	et	PROPN
ajfti-2387	58	38	al	al	PROPN
ajfti-2387	58	39	.	.	PROPN
ajfti-2387	58	40	,	,	PUNCT
ajfti-2387	58	41	2021	2021	NUM
ajfti-2387	58	42	)	)	PUNCT
ajfti-2387	58	43	.	.	PUNCT
ajfti-2387	59	1	m.	m.	NOUN
ajfti-2387	59	2	eling	eling	PROPN
ajfti-2387	59	3	and	and	CCONJ
ajfti-2387	59	4	m.	m.	PROPN
ajfti-2387	59	5	lehmann	lehmann	PROPN
ajfti-2387	59	6	assert	assert	VERB
ajfti-2387	59	7	that	that	SCONJ
ajfti-2387	59	8	the	the	DET
ajfti-2387	59	9	effects	effect	NOUN
ajfti-2387	59	10	of	of	ADP
ajfti-2387	59	11	digitization	digitization	NOUN
ajfti-2387	59	12	may	may	AUX
ajfti-2387	59	13	be	be	AUX
ajfti-2387	59	14	seen	see	VERB
ajfti-2387	59	15	at	at	ADP
ajfti-2387	59	16	every	every	DET
ajfti-2387	59	17	stage	stage	NOUN
ajfti-2387	59	18	of	of	ADP
ajfti-2387	59	19	the	the	DET
ajfti-2387	59	20	value	value	NOUN
ajfti-2387	59	21	chain	chain	NOUN
ajfti-2387	59	22	,	,	PUNCT
ajfti-2387	59	23	from	from	ADP
ajfti-2387	59	24	sales	sale	NOUN
ajfti-2387	59	25	and	and	CCONJ
ajfti-2387	59	26	customer	customer	NOUN
ajfti-2387	59	27	service	service	NOUN
ajfti-2387	59	28	to	to	PART
ajfti-2387	59	29	claim	claim	VERB
ajfti-2387	59	30	reporting	report	VERB
ajfti-2387	59	31	(	(	PUNCT
ajfti-2387	59	32	eling	eling	PROPN
ajfti-2387	59	33	&	&	CCONJ
ajfti-2387	59	34	lehmann	lehmann	PROPN
ajfti-2387	59	35	,	,	PUNCT
ajfti-2387	59	36	2018	2018	NUM
ajfti-2387	59	37	)	)	PUNCT
ajfti-2387	59	38	.	.	PUNCT
ajfti-2387	60	1	furthermore	furthermore	ADV
ajfti-2387	60	2	,	,	PUNCT
ajfti-2387	60	3	online	online	ADJ
ajfti-2387	60	4	platforms	platform	NOUN
ajfti-2387	60	5	and	and	CCONJ
ajfti-2387	60	6	aggregator	aggregator	NOUN
ajfti-2387	60	7	tools	tool	NOUN
ajfti-2387	60	8	have	have	AUX
ajfti-2387	60	9	changed	change	VERB
ajfti-2387	60	10	the	the	DET
ajfti-2387	60	11	power	power	NOUN
ajfti-2387	60	12	balance	balance	NOUN
ajfti-2387	60	13	,	,	PUNCT
ajfti-2387	60	14	allowing	allow	VERB
ajfti-2387	60	15	customers	customer	NOUN
ajfti-2387	60	16	to	to	PART
ajfti-2387	60	17	access	access	VERB
ajfti-2387	60	18	information	information	NOUN
ajfti-2387	60	19	and	and	CCONJ
ajfti-2387	60	20	evaluate	evaluate	VERB
ajfti-2387	60	21	items	item	NOUN
ajfti-2387	60	22	independently	independently	ADV
ajfti-2387	60	23	.	.	PUNCT
ajfti-2387	61	1	conversely	conversely	ADV
ajfti-2387	61	2	,	,	PUNCT
ajfti-2387	61	3	risk	risk	NOUN
ajfti-2387	61	4	assessment	assessment	NOUN
ajfti-2387	61	5	,	,	PUNCT
ajfti-2387	61	6	product	product	NOUN
ajfti-2387	61	7	innovation	innovation	NOUN
ajfti-2387	61	8	,	,	PUNCT
ajfti-2387	61	9	and	and	CCONJ
ajfti-2387	61	10	claims	claim	NOUN
ajfti-2387	61	11	processing	processing	NOUN
ajfti-2387	61	12	have	have	AUX
ajfti-2387	61	13	seen	see	VERB
ajfti-2387	61	14	substantial	substantial	ADJ
ajfti-2387	61	15	changes	change	NOUN
ajfti-2387	61	16	as	as	ADP
ajfti-2387	61	17	a	a	DET
ajfti-2387	61	18	result	result	NOUN
ajfti-2387	61	19	of	of	ADP
ajfti-2387	61	20	digital	digital	ADJ
ajfti-2387	61	21	technologies	technology	NOUN
ajfti-2387	61	22	,	,	PUNCT
ajfti-2387	61	23	including	include	VERB
ajfti-2387	61	24	telematics	telematic	NOUN
ajfti-2387	61	25	devices	device	NOUN
ajfti-2387	61	26	,	,	PUNCT
ajfti-2387	61	27	big	big	ADJ
ajfti-2387	61	28	data	datum	NOUN
ajfti-2387	61	29	analytics	analytic	NOUN
ajfti-2387	61	30	,	,	PUNCT
ajfti-2387	61	31	and	and	CCONJ
ajfti-2387	61	32	smart	smart	ADJ
ajfti-2387	61	33	contracts	contract	NOUN
ajfti-2387	61	34	(	(	PUNCT
ajfti-2387	61	35	doss	doss	PROPN
ajfti-2387	61	36	,	,	PUNCT
ajfti-2387	61	37	2020	2020	NUM
ajfti-2387	61	38	)	)	PUNCT
ajfti-2387	61	39	.	.	PUNCT
ajfti-2387	62	1	the	the	DET
ajfti-2387	62	2	obstacles	obstacle	NOUN
ajfti-2387	62	3	associated	associate	VERB
ajfti-2387	62	4	with	with	ADP
ajfti-2387	62	5	the	the	DET
ajfti-2387	62	6	insurance	insurance	NOUN
ajfti-2387	62	7	sector	sector	NOUN
ajfti-2387	62	8	’s	’s	PART
ajfti-2387	62	9	digitalization	digitalization	NOUN
ajfti-2387	62	10	include	include	VERB
ajfti-2387	62	11	pa	pa	PROPN
ajfti-2387	62	12	ge	ge	PROPN
ajfti-2387	62	13	46	46	NUM
ajfti-2387	62	14	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2387	62	15	am	be	AUX
ajfti-2387	62	16	.	.	PUNCT
ajfti-2387	63	1	j.	j.	PROPN
ajfti-2387	63	2	financ	financ	PROPN
ajfti-2387	63	3	.	.	PUNCT
ajfti-2387	64	1	technol	technol	PROPN
ajfti-2387	64	2	.	.	PUNCT
ajfti-2387	64	3	innov	innov	PROPN
ajfti-2387	64	4	.	.	PUNCT
ajfti-2387	65	1	2(1	2(1	NUM
ajfti-2387	65	2	)	)	PUNCT
ajfti-2387	65	3	44	44	NUM
ajfti-2387	65	4	-	-	SYM
ajfti-2387	65	5	56	56	NUM
ajfti-2387	65	6	,	,	PUNCT
ajfti-2387	65	7	2024	2024	NUM
ajfti-2387	65	8	the	the	DET
ajfti-2387	65	9	requirement	requirement	NOUN
ajfti-2387	65	10	for	for	ADP
ajfti-2387	65	11	large	large	ADJ
ajfti-2387	65	12	-	-	PUNCT
ajfti-2387	65	13	scale	scale	NOUN
ajfti-2387	65	14	,	,	PUNCT
ajfti-2387	65	15	unstructured	unstructured	ADJ
ajfti-2387	65	16	dataset	dataset	NOUN
ajfti-2387	65	17	analysis	analysis	NOUN
ajfti-2387	65	18	,	,	PUNCT
ajfti-2387	65	19	ethical	ethical	ADJ
ajfti-2387	65	20	and	and	CCONJ
ajfti-2387	65	21	regulatory	regulatory	ADJ
ajfti-2387	65	22	issues	issue	NOUN
ajfti-2387	65	23	surrounding	surround	VERB
ajfti-2387	65	24	the	the	DET
ajfti-2387	65	25	use	use	NOUN
ajfti-2387	65	26	of	of	ADP
ajfti-2387	65	27	big	big	ADJ
ajfti-2387	65	28	data	datum	NOUN
ajfti-2387	65	29	,	,	PUNCT
ajfti-2387	65	30	and	and	CCONJ
ajfti-2387	65	31	the	the	DET
ajfti-2387	65	32	introduction	introduction	NOUN
ajfti-2387	65	33	of	of	ADP
ajfti-2387	65	34	new	new	ADJ
ajfti-2387	65	35	and	and	CCONJ
ajfti-2387	65	36	current	current	ADJ
ajfti-2387	65	37	insurance	insurance	NOUN
ajfti-2387	65	38	products	product	NOUN
ajfti-2387	65	39	(	(	PUNCT
ajfti-2387	65	40	cappiello	cappiello	PROPN
ajfti-2387	65	41	&	&	CCONJ
ajfti-2387	65	42	cappiello	cappiello	PROPN
ajfti-2387	65	43	,	,	PUNCT
ajfti-2387	65	44	2018	2018	NUM
ajfti-2387	65	45	;	;	PUNCT
ajfti-2387	65	46	eckert	eckert	PROPN
ajfti-2387	65	47	&	&	CCONJ
ajfti-2387	65	48	osterrieder	osterrieder	PROPN
ajfti-2387	65	49	,	,	PUNCT
ajfti-2387	65	50	2020	2020	NUM
ajfti-2387	65	51	)	)	PUNCT
ajfti-2387	65	52	.	.	PUNCT
ajfti-2387	66	1	the	the	DET
ajfti-2387	66	2	move	move	NOUN
ajfti-2387	66	3	towards	towards	ADP
ajfti-2387	66	4	on	on	ADP
ajfti-2387	66	5	-	-	PUNCT
ajfti-2387	66	6	demand	demand	NOUN
ajfti-2387	66	7	insurance	insurance	NOUN
ajfti-2387	66	8	markets	market	NOUN
ajfti-2387	66	9	,	,	PUNCT
ajfti-2387	66	10	cyber	cyber	ADJ
ajfti-2387	66	11	risk	risk	NOUN
ajfti-2387	66	12	insurance	insurance	NOUN
ajfti-2387	66	13	,	,	PUNCT
ajfti-2387	66	14	and	and	CCONJ
ajfti-2387	66	15	telematics	telematic	NOUN
ajfti-2387	66	16	insurance	insurance	NOUN
ajfti-2387	66	17	is	be	AUX
ajfti-2387	66	18	indicative	indicative	ADJ
ajfti-2387	66	19	of	of	ADP
ajfti-2387	66	20	how	how	SCONJ
ajfti-2387	66	21	digitalization	digitalization	NOUN
ajfti-2387	66	22	can	can	AUX
ajfti-2387	66	23	change	change	VERB
ajfti-2387	66	24	industries	industry	NOUN
ajfti-2387	66	25	completely	completely	ADV
ajfti-2387	66	26	.	.	PUNCT
ajfti-2387	67	1	to	to	PART
ajfti-2387	67	2	guarantee	guarantee	VERB
ajfti-2387	67	3	sustainable	sustainable	ADJ
ajfti-2387	67	4	growth	growth	NOUN
ajfti-2387	67	5	in	in	ADP
ajfti-2387	67	6	the	the	DET
ajfti-2387	67	7	digital	digital	ADJ
ajfti-2387	67	8	age	age	NOUN
ajfti-2387	67	9	,	,	PUNCT
ajfti-2387	67	10	issues	issue	NOUN
ajfti-2387	67	11	with	with	ADP
ajfti-2387	67	12	data	datum	NOUN
ajfti-2387	67	13	privacy	privacy	NOUN
ajfti-2387	67	14	,	,	PUNCT
ajfti-2387	67	15	cybersecurity	cybersecurity	NOUN
ajfti-2387	67	16	,	,	PUNCT
ajfti-2387	67	17	and	and	CCONJ
ajfti-2387	67	18	the	the	DET
ajfti-2387	67	19	moral	moral	ADJ
ajfti-2387	67	20	use	use	NOUN
ajfti-2387	67	21	of	of	ADP
ajfti-2387	67	22	consumer	consumer	NOUN
ajfti-2387	67	23	information	information	NOUN
ajfti-2387	67	24	must	must	AUX
ajfti-2387	67	25	be	be	AUX
ajfti-2387	67	26	resolved	resolve	VERB
ajfti-2387	67	27	(	(	PUNCT
ajfti-2387	67	28	bohnsack	bohnsack	NOUN
ajfti-2387	67	29	et	et	PROPN
ajfti-2387	67	30	al	al	PROPN
ajfti-2387	67	31	.	.	PROPN
ajfti-2387	67	32	,	,	PUNCT
ajfti-2387	67	33	2022	2022	NUM
ajfti-2387	67	34	)	)	PUNCT
ajfti-2387	67	35	.	.	PUNCT
ajfti-2387	68	1	swiss	swiss	PROPN
ajfti-2387	68	2	re	re	PROPN
ajfti-2387	68	3	’s	’s	PROPN
ajfti-2387	68	4	world	world	NOUN
ajfti-2387	68	5	insurance	insurance	NOUN
ajfti-2387	68	6	report	report	NOUN
ajfti-2387	68	7	projects	project	VERB
ajfti-2387	68	8	that	that	SCONJ
ajfti-2387	68	9	by	by	ADP
ajfti-2387	68	10	the	the	DET
ajfti-2387	68	11	end	end	NOUN
ajfti-2387	68	12	of	of	ADP
ajfti-2387	68	13	2022	2022	NUM
ajfti-2387	68	14	,	,	PUNCT
ajfti-2387	68	15	insurance	insurance	NOUN
ajfti-2387	68	16	premiums	premium	NOUN
ajfti-2387	68	17	reached	reach	VERB
ajfti-2387	68	18	$	$	SYM
ajfti-2387	68	19	8.89	8.89	NUM
ajfti-2387	68	20	trillion	trillion	NUM
ajfti-2387	68	21	globally	globally	ADV
ajfti-2387	68	22	,	,	PUNCT
ajfti-2387	68	23	offering	offer	VERB
ajfti-2387	68	24	a	a	DET
ajfti-2387	68	25	substantial	substantial	ADJ
ajfti-2387	68	26	opportunity	opportunity	NOUN
ajfti-2387	68	27	for	for	ADP
ajfti-2387	68	28	insurance	insurance	NOUN
ajfti-2387	68	29	companies	company	NOUN
ajfti-2387	68	30	operating	operate	VERB
ajfti-2387	68	31	around	around	ADP
ajfti-2387	68	32	the	the	DET
ajfti-2387	68	33	globe	globe	NOUN
ajfti-2387	68	34	(	(	PUNCT
ajfti-2387	68	35	bohnsack	bohnsack	VERB
ajfti-2387	68	36	et	et	PROPN
ajfti-2387	68	37	al	al	PROPN
ajfti-2387	68	38	.	.	PROPN
ajfti-2387	68	39	,	,	PUNCT
ajfti-2387	68	40	2022	2022	NUM
ajfti-2387	68	41	)	)	PUNCT
ajfti-2387	68	42	.	.	PUNCT
ajfti-2387	69	1	the	the	DET
ajfti-2387	69	2	worldwide	worldwide	ADJ
ajfti-2387	69	3	covid-19	covid-19	PROPN
ajfti-2387	69	4	epidemic	epidemic	NOUN
ajfti-2387	69	5	has	have	AUX
ajfti-2387	69	6	expedited	expedite	VERB
ajfti-2387	69	7	insurers	insurer	NOUN
ajfti-2387	69	8	’	’	PART
ajfti-2387	69	9	digital	digital	ADJ
ajfti-2387	69	10	transition	transition	NOUN
ajfti-2387	69	11	,	,	PUNCT
ajfti-2387	69	12	elevating	elevate	VERB
ajfti-2387	69	13	insurtech	insurtech	NOUN
ajfti-2387	69	14	firms	firm	NOUN
ajfti-2387	69	15	to	to	ADP
ajfti-2387	69	16	the	the	DET
ajfti-2387	69	17	fore	fore	NOUN
ajfti-2387	69	18	.	.	PUNCT
ajfti-2387	70	1	the	the	DET
ajfti-2387	70	2	insurance	insurance	NOUN
ajfti-2387	70	3	market	market	NOUN
ajfti-2387	70	4	in	in	ADP
ajfti-2387	70	5	qatar	qatar	PROPN
ajfti-2387	70	6	is	be	AUX
ajfti-2387	70	7	projected	project	VERB
ajfti-2387	70	8	to	to	PART
ajfti-2387	70	9	develop	develop	VERB
ajfti-2387	70	10	at	at	ADP
ajfti-2387	70	11	a	a	DET
ajfti-2387	70	12	compound	compound	ADJ
ajfti-2387	70	13	annual	annual	ADJ
ajfti-2387	70	14	growth	growth	NOUN
ajfti-2387	70	15	rate	rate	NOUN
ajfti-2387	70	16	(	(	PUNCT
ajfti-2387	70	17	cagr	cagr	NOUN
ajfti-2387	70	18	)	)	PUNCT
ajfti-2387	70	19	of	of	ADP
ajfti-2387	70	20	4.7	4.7	NUM
ajfti-2387	70	21	%	%	NOUN
ajfti-2387	70	22	from	from	ADP
ajfti-2387	70	23	2021	2021	NUM
ajfti-2387	70	24	to	to	ADP
ajfti-2387	70	25	2026	2026	NUM
ajfti-2387	70	26	when	when	SCONJ
ajfti-2387	70	27	it	it	PRON
ajfti-2387	70	28	is	be	AUX
ajfti-2387	70	29	expected	expect	VERB
ajfti-2387	70	30	to	to	PART
ajfti-2387	70	31	reach	reach	VERB
ajfti-2387	70	32	$	$	SYM
ajfti-2387	70	33	1.9	1.9	NUM
ajfti-2387	70	34	billion	billion	NUM
ajfti-2387	70	35	(	(	PUNCT
ajfti-2387	70	36	eckert	eckert	PROPN
ajfti-2387	70	37	&	&	CCONJ
ajfti-2387	70	38	osterrieder	osterrieder	PROPN
ajfti-2387	70	39	,	,	PUNCT
ajfti-2387	70	40	2020	2020	NUM
ajfti-2387	70	41	)	)	PUNCT
ajfti-2387	70	42	.	.	PUNCT
ajfti-2387	71	1	in	in	ADP
ajfti-2387	71	2	an	an	DET
ajfti-2387	71	3	effort	effort	NOUN
ajfti-2387	71	4	to	to	PART
ajfti-2387	71	5	improve	improve	VERB
ajfti-2387	71	6	operational	operational	ADJ
ajfti-2387	71	7	effectiveness	effectiveness	NOUN
ajfti-2387	71	8	,	,	PUNCT
ajfti-2387	71	9	qatar	qatar	PROPN
ajfti-2387	71	10	insurance	insurance	NOUN
ajfti-2387	71	11	company	company	NOUN
ajfti-2387	71	12	(	(	PUNCT
ajfti-2387	71	13	qic	qic	PROPN
ajfti-2387	71	14	)	)	PUNCT
ajfti-2387	71	15	has	have	AUX
ajfti-2387	71	16	also	also	ADV
ajfti-2387	71	17	created	create	VERB
ajfti-2387	71	18	insurtech	insurtech	NOUN
ajfti-2387	71	19	platforms	platform	NOUN
ajfti-2387	71	20	and	and	CCONJ
ajfti-2387	71	21	subsidiaries	subsidiary	NOUN
ajfti-2387	71	22	.	.	PUNCT
ajfti-2387	72	1	the	the	DET
ajfti-2387	72	2	anoud+	anoud+	PUNCT
ajfti-2387	72	3	platform	platform	NOUN
ajfti-2387	72	4	is	be	AUX
ajfti-2387	72	5	provided	provide	VERB
ajfti-2387	72	6	by	by	ADP
ajfti-2387	72	7	anoud	anoud	NOUN
ajfti-2387	72	8	technologies	technology	NOUN
ajfti-2387	72	9	,	,	PUNCT
ajfti-2387	72	10	a	a	DET
ajfti-2387	72	11	qic	qic	NOUN
ajfti-2387	72	12	company	company	NOUN
ajfti-2387	72	13	that	that	PRON
ajfti-2387	72	14	provides	provide	VERB
ajfti-2387	72	15	it	it	PRON
ajfti-2387	72	16	services	service	NOUN
ajfti-2387	72	17	with	with	ADP
ajfti-2387	72	18	headquarters	headquarter	NOUN
ajfti-2387	72	19	in	in	ADP
ajfti-2387	72	20	qfc	qfc	PROPN
ajfti-2387	72	21	.	.	PUNCT
ajfti-2387	73	1	it	it	PRON
ajfti-2387	73	2	includes	include	VERB
ajfti-2387	73	3	a	a	DET
ajfti-2387	73	4	variety	variety	NOUN
ajfti-2387	73	5	of	of	ADP
ajfti-2387	73	6	features	feature	NOUN
ajfti-2387	73	7	,	,	PUNCT
ajfti-2387	73	8	including	include	VERB
ajfti-2387	73	9	reinsurance	reinsurance	NOUN
ajfti-2387	73	10	administration	administration	NOUN
ajfti-2387	73	11	and	and	CCONJ
ajfti-2387	73	12	customer	customer	NOUN
ajfti-2387	73	13	relationship	relationship	NOUN
ajfti-2387	73	14	management	management	NOUN
ajfti-2387	73	15	.	.	PUNCT
ajfti-2387	74	1	qic	qic	PROPN
ajfti-2387	74	2	’s	’s	PART
ajfti-2387	74	3	endeavors	endeavor	NOUN
ajfti-2387	74	4	,	,	PUNCT
ajfti-2387	74	5	such	such	ADJ
ajfti-2387	74	6	as	as	ADP
ajfti-2387	74	7	organizing	organize	VERB
ajfti-2387	74	8	an	an	DET
ajfti-2387	74	9	insurtech	insurtech	NOUN
ajfti-2387	74	10	hackathon	hackathon	PROPN
ajfti-2387	74	11	and	and	CCONJ
ajfti-2387	74	12	introducing	introduce	VERB
ajfti-2387	74	13	a	a	DET
ajfti-2387	74	14	comprehensive	comprehensive	ADJ
ajfti-2387	74	15	online	online	ADJ
ajfti-2387	74	16	platform	platform	NOUN
ajfti-2387	74	17	for	for	ADP
ajfti-2387	74	18	insurance	insurance	NOUN
ajfti-2387	74	19	policies	policy	NOUN
ajfti-2387	74	20	,	,	PUNCT
ajfti-2387	74	21	exhibit	exhibit	VERB
ajfti-2387	74	22	a	a	DET
ajfti-2387	74	23	dedication	dedication	NOUN
ajfti-2387	74	24	to	to	ADP
ajfti-2387	74	25	promoting	promote	VERB
ajfti-2387	74	26	creativity	creativity	NOUN
ajfti-2387	74	27	within	within	ADP
ajfti-2387	74	28	the	the	DET
ajfti-2387	74	29	insurtech	insurtech	NOUN
ajfti-2387	74	30	domain	domain	NOUN
ajfti-2387	74	31	(	(	PUNCT
ajfti-2387	74	32	sharar	sharar	NOUN
ajfti-2387	74	33	&	&	CCONJ
ajfti-2387	74	34	earley	earley	PROPN
ajfti-2387	74	35	,	,	PUNCT
ajfti-2387	74	36	2018	2018	NUM
ajfti-2387	74	37	)	)	PUNCT
ajfti-2387	74	38	.	.	PUNCT
ajfti-2387	75	1	furthermore	furthermore	ADV
ajfti-2387	75	2	,	,	PUNCT
ajfti-2387	75	3	to	to	PART
ajfti-2387	75	4	facilitate	facilitate	VERB
ajfti-2387	75	5	insurtech	insurtech	NOUN
ajfti-2387	75	6	businesses	business	NOUN
ajfti-2387	75	7	’	'	PUNCT
ajfti-2387	75	8	entry	entry	NOUN
ajfti-2387	75	9	into	into	ADP
ajfti-2387	75	10	the	the	DET
ajfti-2387	75	11	qatari	qatari	ADJ
ajfti-2387	75	12	market	market	NOUN
ajfti-2387	75	13	,	,	PUNCT
ajfti-2387	75	14	the	the	DET
ajfti-2387	75	15	qatar	qatar	PROPN
ajfti-2387	75	16	financial	financial	ADJ
ajfti-2387	75	17	centre	centre	NOUN
ajfti-2387	75	18	(	(	PUNCT
ajfti-2387	75	19	qfc	qfc	PROPN
ajfti-2387	75	20	)	)	PUNCT
ajfti-2387	75	21	,	,	PUNCT
ajfti-2387	75	22	qatar	qatar	PROPN
ajfti-2387	75	23	fintech	fintech	NOUN
ajfti-2387	75	24	hub	hub	NOUN
ajfti-2387	75	25	(	(	PUNCT
ajfti-2387	75	26	qfth	qfth	ADJ
ajfti-2387	75	27	)	)	PUNCT
ajfti-2387	75	28	,	,	PUNCT
ajfti-2387	75	29	and	and	CCONJ
ajfti-2387	75	30	qic	qic	VERB
ajfti-2387	75	31	work	work	NOUN
ajfti-2387	75	32	together	together	ADV
ajfti-2387	75	33	.	.	PUNCT
ajfti-2387	76	1	these	these	DET
ajfti-2387	76	2	organizations	organization	NOUN
ajfti-2387	76	3	organize	organize	VERB
ajfti-2387	76	4	seminars	seminar	NOUN
ajfti-2387	76	5	and	and	CCONJ
ajfti-2387	76	6	activities	activity	NOUN
ajfti-2387	76	7	that	that	PRON
ajfti-2387	76	8	highlight	highlight	VERB
ajfti-2387	76	9	insurtech	insurtech	PROPN
ajfti-2387	76	10	’s	’s	PART
ajfti-2387	76	11	potential	potential	NOUN
ajfti-2387	76	12	in	in	ADP
ajfti-2387	76	13	qatar	qatar	PROPN
ajfti-2387	76	14	’s	’s	PART
ajfti-2387	76	15	finance	finance	NOUN
ajfti-2387	76	16	scene	scene	NOUN
ajfti-2387	76	17	.	.	PUNCT
ajfti-2387	77	1	qatar	qatar	PROPN
ajfti-2387	77	2	has	have	VERB
ajfti-2387	77	3	substantial	substantial	ADJ
ajfti-2387	77	4	development	development	NOUN
ajfti-2387	77	5	potential	potential	NOUN
ajfti-2387	77	6	for	for	ADP
ajfti-2387	77	7	insurtech	insurtech	NOUN
ajfti-2387	77	8	businesses	business	NOUN
ajfti-2387	77	9	,	,	PUNCT
ajfti-2387	77	10	given	give	VERB
ajfti-2387	77	11	its	its	PRON
ajfti-2387	77	12	1	1	NUM
ajfti-2387	77	13	%	%	NOUN
ajfti-2387	77	14	insurance	insurance	NOUN
ajfti-2387	77	15	penetration	penetration	NOUN
ajfti-2387	77	16	rate	rate	NOUN
ajfti-2387	77	17	.	.	PUNCT
ajfti-2387	78	1	this	this	PRON
ajfti-2387	78	2	may	may	AUX
ajfti-2387	78	3	be	be	AUX
ajfti-2387	78	4	attributed	attribute	VERB
ajfti-2387	78	5	to	to	ADP
ajfti-2387	78	6	many	many	ADJ
ajfti-2387	78	7	factors	factor	NOUN
ajfti-2387	78	8	,	,	PUNCT
ajfti-2387	78	9	such	such	ADJ
ajfti-2387	78	10	as	as	ADP
ajfti-2387	78	11	rising	rise	VERB
ajfti-2387	78	12	consumer	consumer	NOUN
ajfti-2387	78	13	awareness	awareness	NOUN
ajfti-2387	78	14	,	,	PUNCT
ajfti-2387	78	15	regulatory	regulatory	ADJ
ajfti-2387	78	16	laws	law	NOUN
ajfti-2387	78	17	that	that	PRON
ajfti-2387	78	18	facilitate	facilitate	VERB
ajfti-2387	78	19	growth	growth	NOUN
ajfti-2387	78	20	,	,	PUNCT
ajfti-2387	78	21	and	and	CCONJ
ajfti-2387	78	22	government	government	NOUN
ajfti-2387	78	23	initiatives	initiative	NOUN
ajfti-2387	78	24	delineated	delineate	VERB
ajfti-2387	78	25	in	in	ADP
ajfti-2387	78	26	the	the	DET
ajfti-2387	78	27	national	national	ADJ
ajfti-2387	78	28	fintech	fintech	NOUN
ajfti-2387	78	29	strategy	strategy	NOUN
ajfti-2387	78	30	(	(	PUNCT
ajfti-2387	78	31	lynn	lynn	PROPN
ajfti-2387	78	32	et	et	PROPN
ajfti-2387	78	33	al	al	PROPN
ajfti-2387	78	34	.	.	PROPN
ajfti-2387	78	35	,	,	PUNCT
ajfti-2387	78	36	2019	2019	NUM
ajfti-2387	78	37	)	)	PUNCT
ajfti-2387	78	38	.	.	PUNCT
ajfti-2387	79	1	the	the	DET
ajfti-2387	79	2	global	global	ADJ
ajfti-2387	79	3	insurance	insurance	NOUN
ajfti-2387	79	4	landscape	landscape	NOUN
ajfti-2387	79	5	is	be	AUX
ajfti-2387	79	6	changing	change	VERB
ajfti-2387	79	7	due	due	ADP
ajfti-2387	79	8	to	to	ADP
ajfti-2387	79	9	the	the	DET
ajfti-2387	79	10	digitalization	digitalization	NOUN
ajfti-2387	79	11	of	of	ADP
ajfti-2387	79	12	the	the	DET
ajfti-2387	79	13	insurance	insurance	NOUN
ajfti-2387	79	14	business	business	NOUN
ajfti-2387	79	15	,	,	PUNCT
ajfti-2387	79	16	with	with	ADP
ajfti-2387	79	17	insurtech	insurtech	NOUN
ajfti-2387	79	18	being	be	AUX
ajfti-2387	79	19	a	a	DET
ajfti-2387	79	20	key	key	ADJ
ajfti-2387	79	21	player	player	NOUN
ajfti-2387	79	22	in	in	ADP
ajfti-2387	79	23	this	this	DET
ajfti-2387	79	24	change	change	NOUN
ajfti-2387	79	25	.	.	PUNCT
ajfti-2387	80	1	driven	drive	VERB
ajfti-2387	80	2	by	by	ADP
ajfti-2387	80	3	factors	factor	NOUN
ajfti-2387	80	4	including	include	VERB
ajfti-2387	80	5	internet	internet	NOUN
ajfti-2387	80	6	penetration	penetration	NOUN
ajfti-2387	80	7	,	,	PUNCT
ajfti-2387	80	8	technological	technological	ADJ
ajfti-2387	80	9	acceptance	acceptance	NOUN
ajfti-2387	80	10	,	,	PUNCT
ajfti-2387	80	11	and	and	CCONJ
ajfti-2387	80	12	government	government	NOUN
ajfti-2387	80	13	assistance	assistance	NOUN
ajfti-2387	80	14	,	,	PUNCT
ajfti-2387	80	15	qatar	qatar	PROPN
ajfti-2387	80	16	’s	’s	PART
ajfti-2387	80	17	emerging	emerge	VERB
ajfti-2387	80	18	insurtech	insurtech	NOUN
ajfti-2387	80	19	business	business	NOUN
ajfti-2387	80	20	is	be	AUX
ajfti-2387	80	21	primed	prime	VERB
ajfti-2387	80	22	for	for	ADP
ajfti-2387	80	23	tremendous	tremendous	ADJ
ajfti-2387	80	24	development	development	NOUN
ajfti-2387	80	25	.	.	PUNCT
ajfti-2387	81	1	to	to	PART
ajfti-2387	81	2	guarantee	guarantee	VERB
ajfti-2387	81	3	the	the	DET
ajfti-2387	81	4	sustainable	sustainable	ADJ
ajfti-2387	81	5	expansion	expansion	NOUN
ajfti-2387	81	6	of	of	ADP
ajfti-2387	81	7	insurtech	insurtech	NOUN
ajfti-2387	81	8	in	in	ADP
ajfti-2387	81	9	qatar	qatar	PROPN
ajfti-2387	81	10	and	and	CCONJ
ajfti-2387	81	11	throughout	throughout	ADP
ajfti-2387	81	12	the	the	DET
ajfti-2387	81	13	world	world	NOUN
ajfti-2387	81	14	,	,	PUNCT
ajfti-2387	81	15	the	the	DET
ajfti-2387	81	16	critical	critical	ADJ
ajfti-2387	81	17	evaluation	evaluation	NOUN
ajfti-2387	81	18	highlights	highlight	NOUN
ajfti-2387	81	19	the	the	DET
ajfti-2387	81	20	necessity	necessity	NOUN
ajfti-2387	81	21	to	to	PART
ajfti-2387	81	22	address	address	VERB
ajfti-2387	81	23	issues	issue	NOUN
ajfti-2387	81	24	with	with	ADP
ajfti-2387	81	25	data	datum	NOUN
ajfti-2387	81	26	privacy	privacy	NOUN
ajfti-2387	81	27	,	,	PUNCT
ajfti-2387	81	28	cybersecurity	cybersecurity	NOUN
ajfti-2387	81	29	,	,	PUNCT
ajfti-2387	81	30	and	and	CCONJ
ajfti-2387	81	31	ethical	ethical	ADJ
ajfti-2387	81	32	considerations	consideration	NOUN
ajfti-2387	81	33	(	(	PUNCT
ajfti-2387	81	34	xu	xu	PROPN
ajfti-2387	81	35	&	&	CCONJ
ajfti-2387	81	36	zweifel	zweifel	PROPN
ajfti-2387	81	37	,	,	PUNCT
ajfti-2387	81	38	2020	2020	NUM
ajfti-2387	81	39	)	)	PUNCT
ajfti-2387	81	40	.	.	PUNCT
ajfti-2387	82	1	use	use	NOUN
ajfti-2387	82	2	-	-	PUNCT
ajfti-2387	82	3	cases	case	NOUN
ajfti-2387	82	4	and	and	CCONJ
ajfti-2387	82	5	challenges	challenge	NOUN
ajfti-2387	82	6	of	of	ADP
ajfti-2387	82	7	digitization	digitization	NOUN
ajfti-2387	82	8	in	in	ADP
ajfti-2387	82	9	the	the	DET
ajfti-2387	82	10	insurance	insurance	NOUN
ajfti-2387	82	11	sector	sector	NOUN
ajfti-2387	82	12	the	the	DET
ajfti-2387	82	13	insurance	insurance	NOUN
ajfti-2387	82	14	sector	sector	NOUN
ajfti-2387	82	15	is	be	AUX
ajfti-2387	82	16	currently	currently	ADV
ajfti-2387	82	17	experiencing	experience	VERB
ajfti-2387	82	18	a	a	DET
ajfti-2387	82	19	digital	digital	ADJ
ajfti-2387	82	20	transition	transition	NOUN
ajfti-2387	82	21	that	that	PRON
ajfti-2387	82	22	presents	present	VERB
ajfti-2387	82	23	a	a	DET
ajfti-2387	82	24	range	range	NOUN
ajfti-2387	82	25	of	of	ADP
ajfti-2387	82	26	possibilities	possibility	NOUN
ajfti-2387	82	27	and	and	CCONJ
ajfti-2387	82	28	difficulties	difficulty	NOUN
ajfti-2387	82	29	for	for	ADP
ajfti-2387	82	30	industry	industry	NOUN
ajfti-2387	82	31	participants	participant	NOUN
ajfti-2387	82	32	.	.	PUNCT
ajfti-2387	83	1	the	the	DET
ajfti-2387	83	2	insurance	insurance	NOUN
ajfti-2387	83	3	industry	industry	NOUN
ajfti-2387	83	4	is	be	AUX
ajfti-2387	83	5	becoming	become	VERB
ajfti-2387	83	6	more	more	ADV
ajfti-2387	83	7	digitally	digitally	ADV
ajfti-2387	83	8	connected	connect	VERB
ajfti-2387	83	9	,	,	PUNCT
ajfti-2387	83	10	but	but	CCONJ
ajfti-2387	83	11	there	there	PRON
ajfti-2387	83	12	are	be	VERB
ajfti-2387	83	13	drawbacks	drawback	NOUN
ajfti-2387	83	14	as	as	ADV
ajfti-2387	83	15	well	well	ADV
ajfti-2387	83	16	(	(	PUNCT
ajfti-2387	83	17	cappiello	cappiello	PROPN
ajfti-2387	83	18	&	&	CCONJ
ajfti-2387	83	19	cappiello	cappiello	PROPN
ajfti-2387	83	20	,	,	PUNCT
ajfti-2387	83	21	2018	2018	NUM
ajfti-2387	83	22	;	;	PUNCT
ajfti-2387	83	23	svetlana	svetlana	PROPN
ajfti-2387	83	24	,	,	PUNCT
ajfti-2387	83	25	2016	2016	NUM
ajfti-2387	83	26	)	)	PUNCT
ajfti-2387	83	27	.	.	PUNCT
ajfti-2387	84	1	for	for	ADP
ajfti-2387	84	2	example	example	NOUN
ajfti-2387	84	3	,	,	PUNCT
ajfti-2387	84	4	there	there	PRON
ajfti-2387	84	5	is	be	VERB
ajfti-2387	84	6	a	a	DET
ajfti-2387	84	7	need	need	NOUN
ajfti-2387	84	8	to	to	PART
ajfti-2387	84	9	integrate	integrate	VERB
ajfti-2387	84	10	big	big	ADJ
ajfti-2387	84	11	data	datum	NOUN
ajfti-2387	84	12	and	and	CCONJ
ajfti-2387	84	13	artificial	artificial	ADJ
ajfti-2387	84	14	intelligence	intelligence	NOUN
ajfti-2387	84	15	(	(	PUNCT
ajfti-2387	84	16	ai	ai	PROPN
ajfti-2387	84	17	)	)	PUNCT
ajfti-2387	84	18	,	,	PUNCT
ajfti-2387	84	19	two	two	NUM
ajfti-2387	84	20	important	important	ADJ
ajfti-2387	84	21	technical	technical	ADJ
ajfti-2387	84	22	enablers	enabler	NOUN
ajfti-2387	84	23	.	.	PUNCT
ajfti-2387	85	1	order	order	NOUN
ajfti-2387	85	2	to	to	PART
ajfti-2387	85	3	transform	transform	VERB
ajfti-2387	85	4	consumer	consumer	NOUN
ajfti-2387	85	5	relationships	relationship	NOUN
ajfti-2387	85	6	,	,	PUNCT
ajfti-2387	85	7	boost	boost	VERB
ajfti-2387	85	8	operational	operational	ADJ
ajfti-2387	85	9	effectiveness	effectiveness	NOUN
ajfti-2387	85	10	,	,	PUNCT
ajfti-2387	85	11	and	and	CCONJ
ajfti-2387	85	12	change	change	VERB
ajfti-2387	85	13	the	the	DET
ajfti-2387	85	14	competitive	competitive	ADJ
ajfti-2387	85	15	environment	environment	NOUN
ajfti-2387	85	16	,	,	PUNCT
ajfti-2387	85	17	it	it	PRON
ajfti-2387	85	18	also	also	ADV
ajfti-2387	85	19	entails	entail	VERB
ajfti-2387	85	20	digging	dig	VERB
ajfti-2387	85	21	into	into	ADP
ajfti-2387	85	22	important	important	ADJ
ajfti-2387	85	23	numerical	numerical	ADJ
ajfti-2387	85	24	data	datum	NOUN
ajfti-2387	85	25	.	.	PUNCT
ajfti-2387	86	1	its	its	PRON
ajfti-2387	86	2	capabilities	capability	NOUN
ajfti-2387	86	3	for	for	ADP
ajfti-2387	86	4	gathering	gathering	NOUN
ajfti-2387	86	5	,	,	PUNCT
ajfti-2387	86	6	processing	processing	NOUN
ajfti-2387	86	7	,	,	PUNCT
ajfti-2387	86	8	and	and	CCONJ
ajfti-2387	86	9	evaluating	evaluate	VERB
ajfti-2387	86	10	vast	vast	ADJ
ajfti-2387	86	11	volumes	volume	NOUN
ajfti-2387	86	12	of	of	ADP
ajfti-2387	86	13	client	client	NOUN
ajfti-2387	86	14	data	datum	NOUN
ajfti-2387	86	15	highlight	highlight	VERB
ajfti-2387	86	16	big	big	ADJ
ajfti-2387	86	17	data	datum	NOUN
ajfti-2387	86	18	’s	’s	PART
ajfti-2387	86	19	importance	importance	NOUN
ajfti-2387	86	20	for	for	ADP
ajfti-2387	86	21	insurers	insurer	NOUN
ajfti-2387	86	22	(	(	PUNCT
ajfti-2387	86	23	nguyen	nguyen	NOUN
ajfti-2387	86	24	et	et	PROPN
ajfti-2387	86	25	al	al	PROPN
ajfti-2387	86	26	.	.	PROPN
ajfti-2387	86	27	,	,	PUNCT
ajfti-2387	86	28	2023	2023	NUM
ajfti-2387	86	29	)	)	PUNCT
ajfti-2387	86	30	.	.	PUNCT
ajfti-2387	87	1	the	the	DET
ajfti-2387	87	2	value	value	NOUN
ajfti-2387	87	3	of	of	ADP
ajfti-2387	87	4	capital	capital	NOUN
ajfti-2387	87	5	invested	invest	VERB
ajfti-2387	87	6	in	in	ADP
ajfti-2387	87	7	insurance	insurance	NOUN
ajfti-2387	87	8	tech	tech	NOUN
ajfti-2387	87	9	startups	startup	NOUN
ajfti-2387	87	10	,	,	PUNCT
ajfti-2387	87	11	for	for	ADP
ajfti-2387	87	12	example	example	NOUN
ajfti-2387	87	13	,	,	PUNCT
ajfti-2387	87	14	increased	increase	VERB
ajfti-2387	87	15	significantly	significantly	ADV
ajfti-2387	87	16	globally	globally	ADV
ajfti-2387	87	17	throughout	throughout	ADP
ajfti-2387	87	18	2012–2017	2012–2017	NUM
ajfti-2387	87	19	,	,	PUNCT
ajfti-2387	87	20	from	from	ADP
ajfti-2387	87	21	$	$	SYM
ajfti-2387	87	22	326	326	NUM
ajfti-2387	87	23	million	million	NUM
ajfti-2387	87	24	to	to	PART
ajfti-2387	87	25	$	$	SYM
ajfti-2387	87	26	2.134	2.134	NUM
ajfti-2387	87	27	billion	billion	NUM
ajfti-2387	87	28	,	,	PUNCT
ajfti-2387	87	29	and	and	CCONJ
ajfti-2387	87	30	the	the	DET
ajfti-2387	87	31	number	number	NOUN
ajfti-2387	87	32	of	of	ADP
ajfti-2387	87	33	acquisitions	acquisition	NOUN
ajfti-2387	87	34	increased	increase	VERB
ajfti-2387	87	35	from	from	ADP
ajfti-2387	87	36	86	86	NUM
ajfti-2387	87	37	to	to	PART
ajfti-2387	87	38	247	247	NUM
ajfti-2387	87	39	(	(	PUNCT
ajfti-2387	87	40	statista	statista	NOUN
ajfti-2387	87	41	,	,	PUNCT
ajfti-2387	87	42	2019b	2019b	NUM
ajfti-2387	87	43	;	;	PUNCT
ajfti-2387	87	44	nicoletti	nicoletti	NOUN
ajfti-2387	87	45	&	&	CCONJ
ajfti-2387	87	46	nicoletti	nicoletti	NOUN
ajfti-2387	87	47	,	,	PUNCT
ajfti-2387	87	48	2021	2021	NUM
ajfti-2387	87	49	)	)	PUNCT
ajfti-2387	87	50	.	.	PUNCT
ajfti-2387	88	1	according	accord	VERB
ajfti-2387	88	2	to	to	ADP
ajfti-2387	88	3	eling	eling	PROPN
ajfti-2387	88	4	and	and	CCONJ
ajfti-2387	88	5	lehmann	lehmann	PROPN
ajfti-2387	88	6	(	(	PUNCT
ajfti-2387	88	7	2018	2018	NUM
ajfti-2387	88	8	)	)	PUNCT
ajfti-2387	88	9	,	,	PUNCT
ajfti-2387	88	10	big	big	ADJ
ajfti-2387	88	11	data	datum	NOUN
ajfti-2387	88	12	analytics	analytic	NOUN
ajfti-2387	88	13	improves	improve	VERB
ajfti-2387	88	14	insurers	insurer	NOUN
ajfti-2387	88	15	’	'	PUNCT
ajfti-2387	88	16	comprehension	comprehension	NOUN
ajfti-2387	88	17	of	of	ADP
ajfti-2387	88	18	their	their	PRON
ajfti-2387	88	19	clientele	clientele	NOUN
ajfti-2387	88	20	by	by	ADP
ajfti-2387	88	21	offering	offer	VERB
ajfti-2387	88	22	insightful	insightful	ADJ
ajfti-2387	88	23	information	information	NOUN
ajfti-2387	88	24	gleaned	glean	VERB
ajfti-2387	88	25	from	from	ADP
ajfti-2387	88	26	semi	semi	ADJ
ajfti-2387	88	27	-	-	ADJ
ajfti-2387	88	28	structured	structured	ADJ
ajfti-2387	88	29	and	and	CCONJ
ajfti-2387	88	30	unstructured	unstructured	ADJ
ajfti-2387	88	31	data	datum	NOUN
ajfti-2387	88	32	,	,	PUNCT
ajfti-2387	88	33	including	include	VERB
ajfti-2387	88	34	social	social	ADJ
ajfti-2387	88	35	media	medium	NOUN
ajfti-2387	88	36	.	.	PUNCT
ajfti-2387	89	1	this	this	DET
ajfti-2387	89	2	capacity	capacity	NOUN
ajfti-2387	89	3	is	be	AUX
ajfti-2387	89	4	essential	essential	ADJ
ajfti-2387	89	5	for	for	ADP
ajfti-2387	89	6	producing	produce	VERB
ajfti-2387	89	7	insights	insight	NOUN
ajfti-2387	89	8	and	and	CCONJ
ajfti-2387	89	9	enhancing	enhance	VERB
ajfti-2387	89	10	decisionmaking	decisionmake	VERB
ajfti-2387	89	11	procedures	procedure	NOUN
ajfti-2387	89	12	(	(	PUNCT
ajfti-2387	89	13	eling	eling	PROPN
ajfti-2387	89	14	&	&	CCONJ
ajfti-2387	89	15	lehmann	lehmann	PROPN
ajfti-2387	89	16	,	,	PUNCT
ajfti-2387	89	17	2018	2018	NUM
ajfti-2387	89	18	)	)	PUNCT
ajfti-2387	89	19	.	.	PUNCT
ajfti-2387	90	1	moreover	moreover	ADV
ajfti-2387	90	2	,	,	PUNCT
ajfti-2387	90	3	the	the	DET
ajfti-2387	90	4	utilization	utilization	NOUN
ajfti-2387	90	5	of	of	ADP
ajfti-2387	90	6	artificial	artificial	ADJ
ajfti-2387	90	7	intelligence	intelligence	NOUN
ajfti-2387	90	8	,	,	PUNCT
ajfti-2387	90	9	including	include	VERB
ajfti-2387	90	10	machine	machine	NOUN
ajfti-2387	90	11	learning	learning	NOUN
ajfti-2387	90	12	and	and	CCONJ
ajfti-2387	90	13	deep	deep	ADJ
ajfti-2387	90	14	learning	learning	NOUN
ajfti-2387	90	15	,	,	PUNCT
ajfti-2387	90	16	is	be	AUX
ajfti-2387	90	17	crucial	crucial	ADJ
ajfti-2387	90	18	in	in	ADP
ajfti-2387	90	19	obtaining	obtain	VERB
ajfti-2387	90	20	advantages	advantage	NOUN
ajfti-2387	90	21	from	from	ADP
ajfti-2387	90	22	large	large	ADJ
ajfti-2387	90	23	and	and	CCONJ
ajfti-2387	90	24	customer	customer	NOUN
ajfti-2387	90	25	data	data	NOUN
ajfti-2387	90	26	sets	set	NOUN
ajfti-2387	90	27	.	.	PUNCT
ajfti-2387	91	1	digitalization	digitalization	NOUN
ajfti-2387	91	2	of	of	ADP
ajfti-2387	91	3	insurance	insurance	NOUN
ajfti-2387	91	4	is	be	AUX
ajfti-2387	91	5	receiving	receive	VERB
ajfti-2387	91	6	significant	significant	ADJ
ajfti-2387	91	7	attention	attention	NOUN
ajfti-2387	91	8	from	from	ADP
ajfti-2387	91	9	insurance	insurance	NOUN
ajfti-2387	91	10	businesses	business	NOUN
ajfti-2387	91	11	,	,	PUNCT
ajfti-2387	91	12	as	as	SCONJ
ajfti-2387	91	13	seen	see	VERB
ajfti-2387	91	14	by	by	ADP
ajfti-2387	91	15	the	the	DET
ajfti-2387	91	16	rapid	rapid	ADJ
ajfti-2387	91	17	rise	rise	NOUN
ajfti-2387	91	18	in	in	ADP
ajfti-2387	91	19	global	global	ADJ
ajfti-2387	91	20	expenditures	expenditure	NOUN
ajfti-2387	91	21	on	on	ADP
ajfti-2387	91	22	machine	machine	NOUN
ajfti-2387	91	23	learning	learn	VERB
ajfti-2387	91	24	algorithms	algorithm	NOUN
ajfti-2387	91	25	and	and	CCONJ
ajfti-2387	91	26	their	their	PRON
ajfti-2387	91	27	iterative	iterative	NOUN
ajfti-2387	91	28	training	training	NOUN
ajfti-2387	91	29	procedures	procedure	NOUN
ajfti-2387	91	30	(	(	PUNCT
ajfti-2387	91	31	łyskawa	łyskawa	PROPN
ajfti-2387	91	32	et	et	PROPN
ajfti-2387	91	33	al	al	PROPN
ajfti-2387	91	34	.	.	PROPN
ajfti-2387	91	35	,	,	PUNCT
ajfti-2387	91	36	2019	2019	NUM
ajfti-2387	91	37	)	)	PUNCT
ajfti-2387	91	38	.	.	PUNCT
ajfti-2387	92	1	according	accord	VERB
ajfti-2387	92	2	to	to	ADP
ajfti-2387	92	3	brenner	brenner	NOUN
ajfti-2387	92	4	(	(	PUNCT
ajfti-2387	92	5	2019	2019	NUM
ajfti-2387	92	6	)	)	PUNCT
ajfti-2387	92	7	,	,	PUNCT
ajfti-2387	92	8	artificial	artificial	ADJ
ajfti-2387	92	9	intelligence	intelligence	NOUN
ajfti-2387	92	10	(	(	PUNCT
ajfti-2387	92	11	ai	ai	AUX
ajfti-2387	92	12	)	)	PUNCT
ajfti-2387	92	13	gives	give	VERB
ajfti-2387	92	14	insurers	insurer	NOUN
ajfti-2387	92	15	tools	tool	NOUN
ajfti-2387	92	16	for	for	ADP
ajfti-2387	92	17	predictive	predictive	ADJ
ajfti-2387	92	18	analytics	analytic	NOUN
ajfti-2387	92	19	,	,	PUNCT
ajfti-2387	92	20	such	such	ADJ
ajfti-2387	92	21	as	as	ADP
ajfti-2387	92	22	extreme	extreme	ADJ
ajfti-2387	92	23	gradient	gradient	NOUN
ajfti-2387	92	24	boosting	boost	VERB
ajfti-2387	92	25	approaches	approach	NOUN
ajfti-2387	92	26	and	and	CCONJ
ajfti-2387	92	27	helps	help	VERB
ajfti-2387	92	28	them	they	PRON
ajfti-2387	92	29	better	well	ADJ
ajfti-2387	92	30	segment	segment	VERB
ajfti-2387	92	31	their	their	PRON
ajfti-2387	92	32	consumer	consumer	NOUN
ajfti-2387	92	33	base	base	NOUN
ajfti-2387	92	34	(	(	PUNCT
ajfti-2387	92	35	brenner	brenner	PROPN
ajfti-2387	92	36	et	et	PROPN
ajfti-2387	92	37	al	al	PROPN
ajfti-2387	92	38	.	.	PROPN
ajfti-2387	92	39	,	,	PUNCT
ajfti-2387	92	40	2022	2022	NUM
ajfti-2387	92	41	)	)	PUNCT
ajfti-2387	92	42	.	.	PUNCT
ajfti-2387	93	1	consequently	consequently	ADV
ajfti-2387	93	2	,	,	PUNCT
ajfti-2387	93	3	insurers	insurer	NOUN
ajfti-2387	93	4	employ	employ	VERB
ajfti-2387	93	5	ai	ai	NOUN
ajfti-2387	93	6	and	and	CCONJ
ajfti-2387	93	7	big	big	ADJ
ajfti-2387	93	8	data	datum	NOUN
ajfti-2387	93	9	for	for	ADP
ajfti-2387	93	10	an	an	DET
ajfti-2387	93	11	array	array	NOUN
ajfti-2387	93	12	of	of	ADP
ajfti-2387	93	13	applications	application	NOUN
ajfti-2387	93	14	to	to	PART
ajfti-2387	93	15	improve	improve	VERB
ajfti-2387	93	16	client	client	NOUN
ajfti-2387	93	17	experiences	experience	NOUN
ajfti-2387	93	18	and	and	CCONJ
ajfti-2387	93	19	optimize	optimize	VERB
ajfti-2387	93	20	workflows	workflow	NOUN
ajfti-2387	93	21	.	.	PUNCT
ajfti-2387	94	1	authorization	authorization	NOUN
ajfti-2387	94	2	procedures	procedure	NOUN
ajfti-2387	94	3	are	be	AUX
ajfti-2387	94	4	made	make	VERB
ajfti-2387	94	5	simpler	simple	ADJ
ajfti-2387	94	6	by	by	ADP
ajfti-2387	94	7	facial	facial	ADJ
ajfti-2387	94	8	recognition	recognition	NOUN
ajfti-2387	94	9	,	,	PUNCT
ajfti-2387	94	10	which	which	PRON
ajfti-2387	94	11	improves	improve	VERB
ajfti-2387	94	12	client	client	NOUN
ajfti-2387	94	13	satisfaction	satisfaction	NOUN
ajfti-2387	94	14	in	in	ADP
ajfti-2387	94	15	both	both	DET
ajfti-2387	94	16	sales	sale	NOUN
ajfti-2387	94	17	and	and	CCONJ
ajfti-2387	94	18	service	service	NOUN
ajfti-2387	94	19	.	.	PUNCT
ajfti-2387	95	1	by	by	ADP
ajfti-2387	95	2	automatically	automatically	ADV
ajfti-2387	95	3	analyzing	analyze	VERB
ajfti-2387	95	4	photographs	photograph	NOUN
ajfti-2387	95	5	,	,	PUNCT
ajfti-2387	95	6	claims	claim	NOUN
ajfti-2387	95	7	management	management	NOUN
ajfti-2387	95	8	uses	use	VERB
ajfti-2387	95	9	image	image	NOUN
ajfti-2387	95	10	recognition	recognition	NOUN
ajfti-2387	95	11	to	to	PART
ajfti-2387	95	12	speed	speed	VERB
ajfti-2387	95	13	up	up	ADP
ajfti-2387	95	14	operations	operation	NOUN
ajfti-2387	95	15	.	.	PUNCT
ajfti-2387	96	1	insurance	insurance	NOUN
ajfti-2387	96	2	companies	company	NOUN
ajfti-2387	96	3	may	may	AUX
ajfti-2387	96	4	evaluate	evaluate	VERB
ajfti-2387	96	5	consumer	consumer	NOUN
ajfti-2387	96	6	emotions	emotion	NOUN
ajfti-2387	96	7	during	during	ADP
ajfti-2387	96	8	interactions	interaction	NOUN
ajfti-2387	96	9	by	by	ADP
ajfti-2387	96	10	using	use	VERB
ajfti-2387	96	11	convolutional	convolutional	ADJ
ajfti-2387	96	12	neural	neural	ADJ
ajfti-2387	96	13	networks	network	NOUN
ajfti-2387	96	14	for	for	ADP
ajfti-2387	96	15	emotion	emotion	NOUN
ajfti-2387	96	16	identification	identification	NOUN
ajfti-2387	96	17	,	,	PUNCT
ajfti-2387	96	18	which	which	PRON
ajfti-2387	96	19	leads	lead	VERB
ajfti-2387	96	20	to	to	ADP
ajfti-2387	96	21	increased	increase	VERB
ajfti-2387	96	22	customer	customer	NOUN
ajfti-2387	96	23	engagement	engagement	NOUN
ajfti-2387	96	24	(	(	PUNCT
ajfti-2387	96	25	pomazan	pomazan	NOUN
ajfti-2387	96	26	et	et	PROPN
ajfti-2387	96	27	al	al	PROPN
ajfti-2387	96	28	.	.	PROPN
ajfti-2387	96	29	,	,	PUNCT
ajfti-2387	96	30	2023	2023	NUM
ajfti-2387	96	31	)	)	PUNCT
ajfti-2387	96	32	.	.	PUNCT
ajfti-2387	97	1	however	however	ADV
ajfti-2387	97	2	,	,	PUNCT
ajfti-2387	97	3	identifying	identify	VERB
ajfti-2387	97	4	a	a	DET
ajfti-2387	97	5	single	single	ADJ
ajfti-2387	97	6	metric	metric	NOUN
ajfti-2387	97	7	for	for	ADP
ajfti-2387	97	8	gauging	gauge	VERB
ajfti-2387	97	9	digitalization	digitalization	NOUN
ajfti-2387	97	10	in	in	ADP
ajfti-2387	97	11	insurance	insurance	NOUN
ajfti-2387	97	12	firms	firm	NOUN
ajfti-2387	97	13	remains	remain	VERB
ajfti-2387	97	14	a	a	DET
ajfti-2387	97	15	difficulty	difficulty	NOUN
ajfti-2387	97	16	,	,	PUNCT
ajfti-2387	97	17	even	even	ADV
ajfti-2387	97	18	in	in	ADP
ajfti-2387	97	19	light	light	NOUN
ajfti-2387	97	20	of	of	ADP
ajfti-2387	97	21	the	the	DET
ajfti-2387	97	22	sharp	sharp	ADJ
ajfti-2387	97	23	increase	increase	NOUN
ajfti-2387	97	24	in	in	ADP
ajfti-2387	97	25	worldwide	worldwide	ADJ
ajfti-2387	97	26	expenditures	expenditure	NOUN
ajfti-2387	97	27	in	in	ADP
ajfti-2387	97	28	this	this	DET
ajfti-2387	97	29	area	area	NOUN
ajfti-2387	97	30	.	.	PUNCT
ajfti-2387	98	1	bohnert	bohnert	NOUN
ajfti-2387	98	2	,	,	PUNCT
ajfti-2387	98	3	fritzsche	fritzsche	NOUN
ajfti-2387	98	4	,	,	PUNCT
ajfti-2387	98	5	and	and	CCONJ
ajfti-2387	98	6	gregor	gregor	PROPN
ajfti-2387	98	7	(	(	PUNCT
ajfti-2387	98	8	2019	2019	NUM
ajfti-2387	98	9	)	)	PUNCT
ajfti-2387	98	10	state	state	NOUN
ajfti-2387	98	11	that	that	SCONJ
ajfti-2387	98	12	insurance	insurance	NOUN
ajfti-2387	98	13	firms	firm	NOUN
ajfti-2387	98	14	are	be	AUX
ajfti-2387	98	15	investigating	investigate	VERB
ajfti-2387	98	16	new	new	ADJ
ajfti-2387	98	17	avenues	avenue	NOUN
ajfti-2387	98	18	in	in	ADP
ajfti-2387	98	19	information	information	NOUN
ajfti-2387	98	20	technology	technology	NOUN
ajfti-2387	98	21	,	,	PUNCT
ajfti-2387	98	22	including	include	VERB
ajfti-2387	98	23	drones	drone	NOUN
ajfti-2387	98	24	,	,	PUNCT
ajfti-2387	98	25	satellites	satellite	NOUN
ajfti-2387	98	26	,	,	PUNCT
ajfti-2387	98	27	telematics	telematic	NOUN
ajfti-2387	98	28	,	,	PUNCT
ajfti-2387	98	29	voice	voice	NOUN
ajfti-2387	98	30	biometrics	biometric	NOUN
ajfti-2387	98	31	,	,	PUNCT
ajfti-2387	98	32	big	big	ADJ
ajfti-2387	98	33	data	datum	NOUN
ajfti-2387	98	34	analytics	analytic	NOUN
ajfti-2387	98	35	,	,	PUNCT
ajfti-2387	98	36	omni	omni	NOUN
ajfti-2387	98	37	-	-	PUNCT
ajfti-2387	98	38	channels	channel	NOUN
ajfti-2387	98	39	,	,	PUNCT
ajfti-2387	98	40	and	and	CCONJ
ajfti-2387	98	41	the	the	DET
ajfti-2387	98	42	internet	internet	NOUN
ajfti-2387	98	43	of	of	ADP
ajfti-2387	98	44	things	thing	NOUN
ajfti-2387	98	45	(	(	PUNCT
ajfti-2387	98	46	bohnert	bohnert	NOUN
ajfti-2387	98	47	et	et	PROPN
ajfti-2387	98	48	al	al	PROPN
ajfti-2387	98	49	.	.	PROPN
ajfti-2387	98	50	,	,	PUNCT
ajfti-2387	98	51	2019	2019	NUM
ajfti-2387	98	52	)	)	PUNCT
ajfti-2387	98	53	.	.	PUNCT
ajfti-2387	99	1	both	both	DET
ajfti-2387	99	2	revolutionary	revolutionary	ADJ
ajfti-2387	99	3	possibilities	possibility	NOUN
ajfti-2387	99	4	and	and	CCONJ
ajfti-2387	99	5	difficulties	difficulty	NOUN
ajfti-2387	99	6	are	be	AUX
ajfti-2387	99	7	brought	bring	VERB
ajfti-2387	99	8	about	about	ADP
ajfti-2387	99	9	by	by	ADP
ajfti-2387	99	10	the	the	DET
ajfti-2387	99	11	insurance	insurance	NOUN
ajfti-2387	99	12	industry	industry	NOUN
ajfti-2387	99	13	’s	’s	PART
ajfti-2387	99	14	overall	overall	ADJ
ajfti-2387	99	15	digitalization	digitalization	NOUN
ajfti-2387	99	16	,	,	PUNCT
ajfti-2387	99	17	which	which	PRON
ajfti-2387	99	18	is	be	AUX
ajfti-2387	99	19	fueled	fuel	VERB
ajfti-2387	99	20	by	by	ADP
ajfti-2387	99	21	big	big	ADJ
ajfti-2387	99	22	data	datum	NOUN
ajfti-2387	99	23	and	and	CCONJ
ajfti-2387	99	24	ai	ai	VERB
ajfti-2387	99	25	.	.	PUNCT
ajfti-2387	100	1	the	the	DET
ajfti-2387	100	2	use	use	NOUN
ajfti-2387	100	3	cases	case	NOUN
ajfti-2387	100	4	that	that	PRON
ajfti-2387	100	5	were	be	AUX
ajfti-2387	100	6	presented	present	VERB
ajfti-2387	100	7	highlight	highlight	VERB
ajfti-2387	100	8	the	the	DET
ajfti-2387	100	9	potential	potential	ADJ
ajfti-2387	100	10	advantages	advantage	NOUN
ajfti-2387	100	11	of	of	ADP
ajfti-2387	100	12	digitalization	digitalization	NOUN
ajfti-2387	100	13	,	,	PUNCT
ajfti-2387	100	14	and	and	CCONJ
ajfti-2387	100	15	these	these	PRON
ajfti-2387	100	16	include	include	VERB
ajfti-2387	100	17	client	client	NOUN
ajfti-2387	100	18	pa	pa	PROPN
ajfti-2387	100	19	ge	ge	PROPN
ajfti-2387	100	20	47	47	NUM
ajfti-2387	100	21	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2387	100	22	am	be	AUX
ajfti-2387	100	23	.	.	PUNCT
ajfti-2387	101	1	j.	j.	PROPN
ajfti-2387	101	2	financ	financ	PROPN
ajfti-2387	101	3	.	.	PUNCT
ajfti-2387	102	1	technol	technol	PROPN
ajfti-2387	102	2	.	.	PUNCT
ajfti-2387	102	3	innov	innov	PROPN
ajfti-2387	102	4	.	.	PUNCT
ajfti-2387	103	1	2(1	2(1	NUM
ajfti-2387	103	2	)	)	PUNCT
ajfti-2387	103	3	44	44	NUM
ajfti-2387	103	4	-	-	SYM
ajfti-2387	103	5	56	56	NUM
ajfti-2387	103	6	,	,	PUNCT
ajfti-2387	103	7	2024	2024	NUM
ajfti-2387	103	8	segmentation	segmentation	NOUN
ajfti-2387	103	9	,	,	PUNCT
ajfti-2387	103	10	robo	robo	NOUN
ajfti-2387	103	11	-	-	PUNCT
ajfti-2387	103	12	advisory	advisory	NOUN
ajfti-2387	103	13	,	,	PUNCT
ajfti-2387	103	14	and	and	CCONJ
ajfti-2387	103	15	enhanced	enhanced	ADJ
ajfti-2387	103	16	consumer	consumer	NOUN
ajfti-2387	103	17	experiences	experience	NOUN
ajfti-2387	103	18	(	(	PUNCT
ajfti-2387	103	19	eckert	eckert	PROPN
ajfti-2387	103	20	&	&	CCONJ
ajfti-2387	103	21	osterrieder	osterrieder	PROPN
ajfti-2387	103	22	,	,	PUNCT
ajfti-2387	103	23	2020	2020	NUM
ajfti-2387	103	24	)	)	PUNCT
ajfti-2387	103	25	.	.	PUNCT
ajfti-2387	104	1	for	for	ADP
ajfti-2387	104	2	digital	digital	ADJ
ajfti-2387	104	3	technologies	technology	NOUN
ajfti-2387	104	4	to	to	PART
ajfti-2387	104	5	be	be	AUX
ajfti-2387	104	6	used	use	VERB
ajfti-2387	104	7	in	in	ADP
ajfti-2387	104	8	the	the	DET
ajfti-2387	104	9	insurance	insurance	NOUN
ajfti-2387	104	10	industry	industry	NOUN
ajfti-2387	104	11	in	in	ADP
ajfti-2387	104	12	a	a	DET
ajfti-2387	104	13	way	way	NOUN
ajfti-2387	104	14	that	that	PRON
ajfti-2387	104	15	is	be	AUX
ajfti-2387	104	16	both	both	CCONJ
ajfti-2387	104	17	sustainable	sustainable	ADJ
ajfti-2387	104	18	and	and	CCONJ
ajfti-2387	104	19	successful	successful	ADJ
ajfti-2387	104	20	,	,	PUNCT
ajfti-2387	104	21	issues	issue	NOUN
ajfti-2387	104	22	like	like	ADP
ajfti-2387	104	23	the	the	DET
ajfti-2387	104	24	absence	absence	NOUN
ajfti-2387	104	25	of	of	ADP
ajfti-2387	104	26	standardized	standardized	ADJ
ajfti-2387	104	27	procedures	procedure	NOUN
ajfti-2387	104	28	must	must	AUX
ajfti-2387	104	29	be	be	AUX
ajfti-2387	104	30	addressed	address	VERB
ajfti-2387	104	31	(	(	PUNCT
ajfti-2387	104	32	bandyopadhyay	bandyopadhyay	NOUN
ajfti-2387	104	33	&	&	CCONJ
ajfti-2387	104	34	sen	sen	PROPN
ajfti-2387	104	35	,	,	PUNCT
ajfti-2387	104	36	2011	2011	NUM
ajfti-2387	104	37	)	)	PUNCT
ajfti-2387	104	38	.	.	PUNCT
ajfti-2387	105	1	the	the	DET
ajfti-2387	105	2	data	datum	NOUN
ajfti-2387	105	3	presented	present	VERB
ajfti-2387	105	4	suggests	suggest	VERB
ajfti-2387	105	5	that	that	SCONJ
ajfti-2387	105	6	there	there	PRON
ajfti-2387	105	7	is	be	VERB
ajfti-2387	105	8	a	a	DET
ajfti-2387	105	9	strong	strong	ADJ
ajfti-2387	105	10	and	and	CCONJ
ajfti-2387	105	11	increasing	increase	VERB
ajfti-2387	105	12	emphasis	emphasis	NOUN
ajfti-2387	105	13	on	on	ADP
ajfti-2387	105	14	the	the	DET
ajfti-2387	105	15	transformative	transformative	ADJ
ajfti-2387	105	16	potential	potential	NOUN
ajfti-2387	105	17	of	of	ADP
ajfti-2387	105	18	digital	digital	ADJ
ajfti-2387	105	19	technology	technology	NOUN
ajfti-2387	105	20	within	within	ADP
ajfti-2387	105	21	the	the	DET
ajfti-2387	105	22	insurance	insurance	NOUN
ajfti-2387	105	23	business	business	NOUN
ajfti-2387	105	24	.	.	PUNCT
ajfti-2387	106	1	global	global	ADJ
ajfti-2387	106	2	patterns	pattern	NOUN
ajfti-2387	106	3	in	in	ADP
ajfti-2387	106	4	insurance	insurance	NOUN
ajfti-2387	106	5	digitization	digitization	NOUN
ajfti-2387	106	6	are	be	AUX
ajfti-2387	106	7	noteworthy	noteworthy	ADJ
ajfti-2387	106	8	(	(	PUNCT
ajfti-2387	106	9	hanafizadeh	hanafizadeh	PROPN
ajfti-2387	106	10	&	&	CCONJ
ajfti-2387	106	11	amin	amin	PROPN
ajfti-2387	106	12	,	,	PUNCT
ajfti-2387	106	13	2023	2023	NUM
ajfti-2387	106	14	)	)	PUNCT
ajfti-2387	106	15	.	.	PUNCT
ajfti-2387	107	1	literature	literature	NOUN
ajfti-2387	107	2	gap	gap	NOUN
ajfti-2387	107	3	the	the	DET
ajfti-2387	107	4	presented	present	VERB
ajfti-2387	107	5	literature	literature	NOUN
ajfti-2387	107	6	analysis	analysis	NOUN
ajfti-2387	107	7	provided	provide	VERB
ajfti-2387	107	8	an	an	DET
ajfti-2387	107	9	in	in	ADP
ajfti-2387	107	10	-	-	PUNCT
ajfti-2387	107	11	depth	depth	NOUN
ajfti-2387	107	12	analysis	analysis	NOUN
ajfti-2387	107	13	of	of	ADP
ajfti-2387	107	14	global	global	ADJ
ajfti-2387	107	15	fintech	fintech	NOUN
ajfti-2387	107	16	and	and	CCONJ
ajfti-2387	107	17	insurance	insurance	NOUN
ajfti-2387	107	18	digitalization	digitalization	NOUN
ajfti-2387	107	19	trends	trend	NOUN
ajfti-2387	107	20	,	,	PUNCT
ajfti-2387	107	21	with	with	ADP
ajfti-2387	107	22	an	an	DET
ajfti-2387	107	23	emphasis	emphasis	NOUN
ajfti-2387	107	24	on	on	ADP
ajfti-2387	107	25	qatar	qatar	NOUN
ajfti-2387	107	26	(	(	PUNCT
ajfti-2387	107	27	göll	göll	NOUN
ajfti-2387	107	28	&	&	CCONJ
ajfti-2387	107	29	zwiers	zwier	NOUN
ajfti-2387	107	30	,	,	PUNCT
ajfti-2387	107	31	2018	2018	NUM
ajfti-2387	107	32	)	)	PUNCT
ajfti-2387	107	33	.	.	PUNCT
ajfti-2387	108	1	the	the	DET
ajfti-2387	108	2	lack	lack	NOUN
ajfti-2387	108	3	of	of	ADP
ajfti-2387	108	4	a	a	DET
ajfti-2387	108	5	synthesized	synthesize	VERB
ajfti-2387	108	6	conceptual	conceptual	ADJ
ajfti-2387	108	7	framework	framework	NOUN
ajfti-2387	108	8	that	that	PRON
ajfti-2387	108	9	incorporates	incorporate	VERB
ajfti-2387	108	10	pertinent	pertinent	ADJ
ajfti-2387	108	11	theories	theory	NOUN
ajfti-2387	108	12	to	to	PART
ajfti-2387	108	13	methodically	methodically	ADV
ajfti-2387	108	14	analyze	analyze	VERB
ajfti-2387	108	15	the	the	DET
ajfti-2387	108	16	potential	potential	NOUN
ajfti-2387	108	17	and	and	CCONJ
ajfti-2387	108	18	difficulties	difficulty	NOUN
ajfti-2387	108	19	posed	pose	VERB
ajfti-2387	108	20	in	in	ADP
ajfti-2387	108	21	the	the	DET
ajfti-2387	108	22	digital	digital	ADJ
ajfti-2387	108	23	insurance	insurance	NOUN
ajfti-2387	108	24	sector	sector	NOUN
ajfti-2387	108	25	,	,	PUNCT
ajfti-2387	108	26	however	however	ADV
ajfti-2387	108	27	,	,	PUNCT
ajfti-2387	108	28	creates	create	VERB
ajfti-2387	108	29	a	a	DET
ajfti-2387	108	30	significant	significant	ADJ
ajfti-2387	108	31	vacuum	vacuum	NOUN
ajfti-2387	108	32	in	in	ADP
ajfti-2387	108	33	the	the	DET
ajfti-2387	108	34	literature	literature	NOUN
ajfti-2387	108	35	.	.	PUNCT
ajfti-2387	109	1	closing	close	VERB
ajfti-2387	109	2	this	this	DET
ajfti-2387	109	3	gap	gap	NOUN
ajfti-2387	109	4	is	be	AUX
ajfti-2387	109	5	essential	essential	ADJ
ajfti-2387	109	6	to	to	ADP
ajfti-2387	109	7	a	a	DET
ajfti-2387	109	8	systematic	systematic	ADJ
ajfti-2387	109	9	,	,	PUNCT
ajfti-2387	109	10	theoretical	theoretical	ADJ
ajfti-2387	109	11	investigation	investigation	NOUN
ajfti-2387	109	12	of	of	ADP
ajfti-2387	109	13	the	the	DET
ajfti-2387	109	14	topic	topic	NOUN
ajfti-2387	109	15	.	.	PUNCT
ajfti-2387	110	1	conceptual	conceptual	ADJ
ajfti-2387	110	2	framework	framework	NOUN
ajfti-2387	110	3	the	the	DET
ajfti-2387	110	4	study	study	NOUN
ajfti-2387	110	5	develops	develop	VERB
ajfti-2387	110	6	an	an	DET
ajfti-2387	110	7	integrated	integrated	ADJ
ajfti-2387	110	8	conceptual	conceptual	ADJ
ajfti-2387	110	9	model	model	NOUN
ajfti-2387	110	10	drawing	draw	VERB
ajfti-2387	110	11	from	from	ADP
ajfti-2387	110	12	several	several	ADJ
ajfti-2387	110	13	established	establish	VERB
ajfti-2387	110	14	theories	theory	NOUN
ajfti-2387	110	15	to	to	ADP
ajfti-2387	110	16	both	both	PRON
ajfti-2387	110	17	examine	examine	VERB
ajfti-2387	110	18	challenges	challenge	NOUN
ajfti-2387	110	19	and	and	CCONJ
ajfti-2387	110	20	opportunities	opportunity	NOUN
ajfti-2387	110	21	within	within	ADP
ajfti-2387	110	22	the	the	DET
ajfti-2387	110	23	emerging	emerge	VERB
ajfti-2387	110	24	digital	digital	ADJ
ajfti-2387	110	25	insurance	insurance	NOUN
ajfti-2387	110	26	sector	sector	NOUN
ajfti-2387	110	27	as	as	ADV
ajfti-2387	110	28	well	well	ADV
ajfti-2387	110	29	as	as	ADP
ajfti-2387	110	30	guide	guide	VERB
ajfti-2387	110	31	survey	survey	NOUN
ajfti-2387	110	32	design	design	NOUN
ajfti-2387	110	33	.	.	PUNCT
ajfti-2387	111	1	however	however	ADV
ajfti-2387	111	2	,	,	PUNCT
ajfti-2387	111	3	an	an	DET
ajfti-2387	111	4	overreliance	overreliance	NOUN
ajfti-2387	111	5	on	on	ADP
ajfti-2387	111	6	conceptual	conceptual	ADJ
ajfti-2387	111	7	abstraction	abstraction	NOUN
ajfti-2387	111	8	risks	risk	NOUN
ajfti-2387	111	9	limiting	limit	VERB
ajfti-2387	111	10	the	the	DET
ajfti-2387	111	11	model	model	NOUN
ajfti-2387	111	12	’s	’s	PART
ajfti-2387	111	13	practical	practical	ADJ
ajfti-2387	111	14	relevance	relevance	NOUN
ajfti-2387	111	15	and	and	CCONJ
ajfti-2387	111	16	ability	ability	NOUN
ajfti-2387	111	17	to	to	PART
ajfti-2387	111	18	generate	generate	VERB
ajfti-2387	111	19	actionable	actionable	ADJ
ajfti-2387	111	20	insights	insight	NOUN
ajfti-2387	111	21	(	(	PUNCT
ajfti-2387	111	22	johnson	johnson	PROPN
ajfti-2387	111	23	et	et	PROPN
ajfti-2387	111	24	al	al	PROPN
ajfti-2387	111	25	.	.	PROPN
ajfti-2387	111	26	,	,	PUNCT
ajfti-2387	111	27	2019	2019	NUM
ajfti-2387	111	28	)	)	PUNCT
ajfti-2387	111	29	.	.	PUNCT
ajfti-2387	112	1	the	the	DET
ajfti-2387	112	2	study	study	NOUN
ajfti-2387	112	3	applies	apply	VERB
ajfti-2387	112	4	rogers	roger	NOUN
ajfti-2387	112	5	’	'	PUNCT
ajfti-2387	112	6	diffusion	diffusion	NOUN
ajfti-2387	112	7	of	of	ADP
ajfti-2387	112	8	innovations	innovation	NOUN
ajfti-2387	112	9	theory	theory	NOUN
ajfti-2387	112	10	and	and	CCONJ
ajfti-2387	112	11	the	the	DET
ajfti-2387	112	12	technology	technology	NOUN
ajfti-2387	112	13	acceptance	acceptance	NOUN
ajfti-2387	112	14	model	model	NOUN
ajfti-2387	112	15	to	to	PART
ajfti-2387	112	16	analyze	analyze	VERB
ajfti-2387	112	17	customer	customer	NOUN
ajfti-2387	112	18	and	and	CCONJ
ajfti-2387	112	19	insurer	insurer	NOUN
ajfti-2387	112	20	adoption	adoption	NOUN
ajfti-2387	112	21	of	of	ADP
ajfti-2387	112	22	digital	digital	ADJ
ajfti-2387	112	23	technologies	technology	NOUN
ajfti-2387	112	24	.	.	PUNCT
ajfti-2387	113	1	while	while	SCONJ
ajfti-2387	113	2	these	these	PRON
ajfti-2387	113	3	provide	provide	VERB
ajfti-2387	113	4	a	a	DET
ajfti-2387	113	5	foundational	foundational	ADJ
ajfti-2387	113	6	understanding	understanding	NOUN
ajfti-2387	113	7	of	of	ADP
ajfti-2387	113	8	adoption	adoption	NOUN
ajfti-2387	113	9	drivers	driver	NOUN
ajfti-2387	113	10	,	,	PUNCT
ajfti-2387	113	11	they	they	PRON
ajfti-2387	113	12	may	may	AUX
ajfti-2387	113	13	only	only	ADV
ajfti-2387	113	14	partially	partially	ADV
ajfti-2387	113	15	capture	capture	VERB
ajfti-2387	113	16	disruption	disruption	NOUN
ajfti-2387	113	17	in	in	ADP
ajfti-2387	113	18	immature	immature	ADJ
ajfti-2387	113	19	industries	industry	NOUN
ajfti-2387	113	20	(	(	PUNCT
ajfti-2387	113	21	ching	ching	NOUN
ajfti-2387	113	22	et	et	PROPN
ajfti-2387	113	23	al	al	PROPN
ajfti-2387	113	24	.	.	PROPN
ajfti-2387	113	25	,	,	PUNCT
ajfti-2387	113	26	2020	2020	NUM
ajfti-2387	113	27	)	)	PUNCT
ajfti-2387	113	28	.	.	PUNCT
ajfti-2387	114	1	furthermore	furthermore	ADV
ajfti-2387	114	2	,	,	PUNCT
ajfti-2387	114	3	porter	porter	NOUN
ajfti-2387	114	4	’s	’s	PART
ajfti-2387	114	5	five	five	NUM
ajfti-2387	114	6	forces	force	NOUN
ajfti-2387	114	7	is	be	AUX
ajfti-2387	114	8	used	use	VERB
ajfti-2387	114	9	to	to	PART
ajfti-2387	114	10	assess	assess	VERB
ajfti-2387	114	11	competitive	competitive	ADJ
ajfti-2387	114	12	dynamics	dynamic	NOUN
ajfti-2387	114	13	but	but	CCONJ
ajfti-2387	114	14	could	could	AUX
ajfti-2387	114	15	overlook	overlook	VERB
ajfti-2387	114	16	issues	issue	NOUN
ajfti-2387	114	17	in	in	ADP
ajfti-2387	114	18	rapidly	rapidly	ADV
ajfti-2387	114	19	evolving	evolve	VERB
ajfti-2387	114	20	digital	digital	ADJ
ajfti-2387	114	21	landscapes	landscape	NOUN
ajfti-2387	114	22	(	(	PUNCT
ajfti-2387	114	23	ching	ching	PROPN
ajfti-2387	114	24	et	et	PROPN
ajfti-2387	114	25	al	al	PROPN
ajfti-2387	114	26	.	.	PROPN
ajfti-2387	114	27	,	,	PUNCT
ajfti-2387	114	28	2020	2020	NUM
ajfti-2387	114	29	)	)	PUNCT
ajfti-2387	114	30	.	.	PUNCT
ajfti-2387	115	1	the	the	DET
ajfti-2387	115	2	resource	resource	NOUN
ajfti-2387	115	3	-	-	PUNCT
ajfti-2387	115	4	based	base	VERB
ajfti-2387	115	5	view	view	NOUN
ajfti-2387	115	6	helps	helps	AUX
ajfti-2387	115	7	identify	identify	VERB
ajfti-2387	115	8	capabilities	capability	NOUN
ajfti-2387	115	9	for	for	ADP
ajfti-2387	115	10	competitive	competitive	ADJ
ajfti-2387	115	11	advantage	advantage	NOUN
ajfti-2387	115	12	but	but	CCONJ
ajfti-2387	115	13	also	also	ADV
ajfti-2387	115	14	struggles	struggle	VERB
ajfti-2387	115	15	with	with	ADP
ajfti-2387	115	16	dynamic	dynamic	ADJ
ajfti-2387	115	17	markets	market	NOUN
ajfti-2387	115	18	(	(	PUNCT
ajfti-2387	115	19	zahra	zahra	NOUN
ajfti-2387	115	20	,	,	PUNCT
ajfti-2387	115	21	2021	2021	NUM
ajfti-2387	115	22	)	)	PUNCT
ajfti-2387	115	23	.	.	PUNCT
ajfti-2387	116	1	regulatory	regulatory	ADJ
ajfti-2387	116	2	compliance	compliance	NOUN
ajfti-2387	116	3	theories	theory	NOUN
ajfti-2387	116	4	and	and	CCONJ
ajfti-2387	116	5	the	the	DET
ajfti-2387	116	6	toe	toe	NOUN
ajfti-2387	116	7	framework	framework	NOUN
ajfti-2387	116	8	aim	aim	VERB
ajfti-2387	116	9	to	to	PART
ajfti-2387	116	10	understand	understand	VERB
ajfti-2387	116	11	compliance	compliance	NOUN
ajfti-2387	116	12	difficulties	difficulty	NOUN
ajfti-2387	116	13	and	and	CCONJ
ajfti-2387	116	14	cybersecurity	cybersecurity	NOUN
ajfti-2387	116	15	measures	measure	NOUN
ajfti-2387	116	16	’	'	PUNCT
ajfti-2387	116	17	organizational/	organizational/	NUM
ajfti-2387	116	18	environmental	environmental	ADJ
ajfti-2387	116	19	aspects	aspect	NOUN
ajfti-2387	116	20	(	(	PUNCT
ajfti-2387	116	21	zahra	zahra	NOUN
ajfti-2387	116	22	,	,	PUNCT
ajfti-2387	116	23	2021	2021	NUM
ajfti-2387	116	24	)	)	PUNCT
ajfti-2387	116	25	.	.	PUNCT
ajfti-2387	117	1	however	however	ADV
ajfti-2387	117	2	,	,	PUNCT
ajfti-2387	117	3	more	more	ADJ
ajfti-2387	117	4	than	than	SCONJ
ajfti-2387	117	5	these	these	PRON
ajfti-2387	117	6	may	may	AUX
ajfti-2387	117	7	be	be	AUX
ajfti-2387	117	8	needed	need	VERB
ajfti-2387	117	9	to	to	PART
ajfti-2387	117	10	anticipate	anticipate	VERB
ajfti-2387	117	11	the	the	DET
ajfti-2387	117	12	regulation	regulation	NOUN
ajfti-2387	117	13	of	of	ADP
ajfti-2387	117	14	novel	novel	ADJ
ajfti-2387	117	15	technologies	technology	NOUN
ajfti-2387	117	16	or	or	CCONJ
ajfti-2387	117	17	future	future	ADJ
ajfti-2387	117	18	threats	threat	NOUN
ajfti-2387	117	19	.	.	PUNCT
ajfti-2387	118	1	lastly	lastly	ADV
ajfti-2387	118	2	,	,	PUNCT
ajfti-2387	118	3	financial	financial	ADJ
ajfti-2387	118	4	inclusion	inclusion	NOUN
ajfti-2387	118	5	and	and	CCONJ
ajfti-2387	118	6	ethical	ethical	ADJ
ajfti-2387	118	7	decision	decision	NOUN
ajfti-2387	118	8	-	-	PUNCT
ajfti-2387	118	9	making	make	VERB
ajfti-2387	118	10	theories	theory	NOUN
ajfti-2387	118	11	also	also	ADV
ajfti-2387	118	12	inform	inform	VERB
ajfti-2387	118	13	related	related	ADJ
ajfti-2387	118	14	opportunities	opportunity	NOUN
ajfti-2387	118	15	and	and	CCONJ
ajfti-2387	118	16	challenges	challenge	NOUN
ajfti-2387	118	17	.	.	PUNCT
ajfti-2387	119	1	while	while	SCONJ
ajfti-2387	119	2	useful	useful	ADJ
ajfti-2387	119	3	baseline	baseline	ADJ
ajfti-2387	119	4	perspectives	perspective	NOUN
ajfti-2387	119	5	,	,	PUNCT
ajfti-2387	119	6	such	such	ADJ
ajfti-2387	119	7	established	established	ADJ
ajfti-2387	119	8	theories	theory	NOUN
ajfti-2387	119	9	alone	alone	ADV
ajfti-2387	119	10	need	need	VERB
ajfti-2387	119	11	to	to	PART
ajfti-2387	119	12	be	be	AUX
ajfti-2387	119	13	more	more	ADV
ajfti-2387	119	14	incremental	incremental	ADJ
ajfti-2387	119	15	to	to	PART
ajfti-2387	119	16	guide	guide	VERB
ajfti-2387	119	17	disruption	disruption	NOUN
ajfti-2387	119	18	.	.	PUNCT
ajfti-2387	120	1	overall	overall	ADJ
ajfti-2387	120	2	,	,	PUNCT
ajfti-2387	120	3	leveraging	leverage	VERB
ajfti-2387	120	4	diverse	diverse	ADJ
ajfti-2387	120	5	conceptual	conceptual	ADJ
ajfti-2387	120	6	frameworks	framework	NOUN
ajfti-2387	120	7	offers	offer	VERB
ajfti-2387	120	8	a	a	DET
ajfti-2387	120	9	structured	structured	ADJ
ajfti-2387	120	10	starting	starting	NOUN
ajfti-2387	120	11	point	point	NOUN
ajfti-2387	120	12	.	.	PUNCT
ajfti-2387	121	1	however	however	ADV
ajfti-2387	121	2	,	,	PUNCT
ajfti-2387	121	3	overreliance	overreliance	NOUN
ajfti-2387	121	4	on	on	ADP
ajfti-2387	121	5	established	establish	VERB
ajfti-2387	121	6	theories	theory	NOUN
ajfti-2387	121	7	could	could	AUX
ajfti-2387	121	8	constrain	constrain	VERB
ajfti-2387	121	9	the	the	DET
ajfti-2387	121	10	model	model	NOUN
ajfti-2387	121	11	’s	’s	PART
ajfti-2387	121	12	capacity	capacity	NOUN
ajfti-2387	121	13	to	to	PART
ajfti-2387	121	14	explore	explore	VERB
ajfti-2387	121	15	truly	truly	ADV
ajfti-2387	121	16	disruptive	disruptive	ADJ
ajfti-2387	121	17	scenarios	scenario	NOUN
ajfti-2387	121	18	and	and	CCONJ
ajfti-2387	121	19	generate	generate	VERB
ajfti-2387	121	20	pragmatic	pragmatic	ADJ
ajfti-2387	121	21	strategy	strategy	NOUN
ajfti-2387	121	22	recommendations	recommendation	NOUN
ajfti-2387	121	23	for	for	ADP
ajfti-2387	121	24	navigating	navigate	VERB
ajfti-2387	121	25	ongoing	ongoing	ADJ
ajfti-2387	121	26	transformation	transformation	NOUN
ajfti-2387	121	27	in	in	ADP
ajfti-2387	121	28	this	this	DET
ajfti-2387	121	29	complex	complex	ADJ
ajfti-2387	121	30	,	,	PUNCT
ajfti-2387	121	31	uncertain	uncertain	ADJ
ajfti-2387	121	32	industry	industry	NOUN
ajfti-2387	121	33	domain	domain	NOUN
ajfti-2387	121	34	(	(	PUNCT
ajfti-2387	121	35	zahra	zahra	NOUN
ajfti-2387	121	36	,	,	PUNCT
ajfti-2387	121	37	2021	2021	NUM
ajfti-2387	121	38	)	)	PUNCT
ajfti-2387	121	39	.	.	PUNCT
ajfti-2387	122	1	research	research	NOUN
ajfti-2387	122	2	design	design	NOUN
ajfti-2387	122	3	the	the	DET
ajfti-2387	122	4	study	study	NOUN
ajfti-2387	122	5	adopts	adopt	VERB
ajfti-2387	122	6	a	a	DET
ajfti-2387	122	7	quantitative	quantitative	ADJ
ajfti-2387	122	8	research	research	NOUN
ajfti-2387	122	9	design	design	NOUN
ajfti-2387	122	10	to	to	PART
ajfti-2387	122	11	investigate	investigate	VERB
ajfti-2387	122	12	the	the	DET
ajfti-2387	122	13	opportunities	opportunity	NOUN
ajfti-2387	122	14	and	and	CCONJ
ajfti-2387	122	15	challenges	challenge	NOUN
ajfti-2387	122	16	in	in	ADP
ajfti-2387	122	17	developing	develop	VERB
ajfti-2387	122	18	the	the	DET
ajfti-2387	122	19	insurance	insurance	NOUN
ajfti-2387	122	20	industry	industry	NOUN
ajfti-2387	122	21	through	through	ADP
ajfti-2387	122	22	digitalization	digitalization	NOUN
ajfti-2387	122	23	in	in	ADP
ajfti-2387	122	24	the	the	DET
ajfti-2387	122	25	context	context	NOUN
ajfti-2387	122	26	of	of	ADP
ajfti-2387	122	27	fintech	fintech	NOUN
ajfti-2387	122	28	.	.	PUNCT
ajfti-2387	123	1	a	a	DET
ajfti-2387	123	2	positivist	positivist	ADJ
ajfti-2387	123	3	philosophical	philosophical	ADJ
ajfti-2387	123	4	perspective	perspective	NOUN
ajfti-2387	123	5	guides	guide	VERB
ajfti-2387	123	6	the	the	DET
ajfti-2387	123	7	research	research	NOUN
ajfti-2387	123	8	,	,	PUNCT
ajfti-2387	123	9	utilizing	utilize	VERB
ajfti-2387	123	10	a	a	DET
ajfti-2387	123	11	deductive	deductive	ADJ
ajfti-2387	123	12	approach	approach	NOUN
ajfti-2387	123	13	for	for	ADP
ajfti-2387	123	14	hypothesis	hypothesis	NOUN
ajfti-2387	123	15	testing	testing	NOUN
ajfti-2387	123	16	and	and	CCONJ
ajfti-2387	123	17	drawing	draw	VERB
ajfti-2387	123	18	precise	precise	ADJ
ajfti-2387	123	19	conclusions	conclusion	NOUN
ajfti-2387	123	20	(	(	PUNCT
ajfti-2387	123	21	casula	casula	NOUN
ajfti-2387	123	22	et	et	PROPN
ajfti-2387	123	23	al	al	PROPN
ajfti-2387	123	24	.	.	PROPN
ajfti-2387	123	25	,	,	PUNCT
ajfti-2387	123	26	2021	2021	NUM
ajfti-2387	123	27	)	)	PUNCT
ajfti-2387	123	28	.	.	PUNCT
ajfti-2387	124	1	the	the	DET
ajfti-2387	124	2	chosen	choose	VERB
ajfti-2387	124	3	quantitative	quantitative	ADJ
ajfti-2387	124	4	methodology	methodology	NOUN
ajfti-2387	124	5	ensures	ensure	VERB
ajfti-2387	124	6	objectivity	objectivity	NOUN
ajfti-2387	124	7	and	and	CCONJ
ajfti-2387	124	8	facilitates	facilitate	VERB
ajfti-2387	124	9	the	the	DET
ajfti-2387	124	10	collection	collection	NOUN
ajfti-2387	124	11	of	of	ADP
ajfti-2387	124	12	extensive	extensive	ADJ
ajfti-2387	124	13	data	datum	NOUN
ajfti-2387	124	14	from	from	ADP
ajfti-2387	124	15	a	a	DET
ajfti-2387	124	16	large	large	ADJ
ajfti-2387	124	17	population	population	NOUN
ajfti-2387	124	18	(	(	PUNCT
ajfti-2387	124	19	casula	casula	NOUN
ajfti-2387	124	20	et	et	PROPN
ajfti-2387	124	21	al	al	PROPN
ajfti-2387	124	22	.	.	PROPN
ajfti-2387	124	23	,	,	PUNCT
ajfti-2387	124	24	2021	2021	NUM
ajfti-2387	124	25	)	)	PUNCT
ajfti-2387	124	26	.	.	PUNCT
ajfti-2387	125	1	data	datum	NOUN
ajfti-2387	125	2	collection	collection	NOUN
ajfti-2387	125	3	primary	primary	ADJ
ajfti-2387	125	4	data	datum	NOUN
ajfti-2387	125	5	is	be	AUX
ajfti-2387	125	6	collected	collect	VERB
ajfti-2387	125	7	through	through	ADP
ajfti-2387	125	8	the	the	DET
ajfti-2387	125	9	distribution	distribution	NOUN
ajfti-2387	125	10	of	of	ADP
ajfti-2387	125	11	structured	structured	ADJ
ajfti-2387	125	12	survey	survey	NOUN
ajfti-2387	125	13	questionnaires	questionnaire	NOUN
ajfti-2387	125	14	among	among	ADP
ajfti-2387	125	15	digital	digital	ADJ
ajfti-2387	125	16	insurance	insurance	NOUN
ajfti-2387	125	17	professionals	professional	NOUN
ajfti-2387	125	18	in	in	ADP
ajfti-2387	125	19	qatar	qatar	PROPN
ajfti-2387	125	20	.	.	PUNCT
ajfti-2387	126	1	the	the	DET
ajfti-2387	126	2	survey	survey	NOUN
ajfti-2387	126	3	employs	employ	VERB
ajfti-2387	126	4	a	a	DET
ajfti-2387	126	5	5	5	NUM
ajfti-2387	126	6	-	-	PUNCT
ajfti-2387	126	7	point	point	NOUN
ajfti-2387	126	8	likert	likert	ADJ
ajfti-2387	126	9	scale	scale	NOUN
ajfti-2387	126	10	,	,	PUNCT
ajfti-2387	126	11	ranging	range	VERB
ajfti-2387	126	12	from	from	ADP
ajfti-2387	126	13	“	"	PUNCT
ajfti-2387	126	14	strongly	strongly	ADV
ajfti-2387	126	15	agree	agree	VERB
ajfti-2387	126	16	”	"	PUNCT
ajfti-2387	126	17	to	to	PART
ajfti-2387	126	18	“	"	PUNCT
ajfti-2387	126	19	strongly	strongly	ADV
ajfti-2387	126	20	disagree	disagree	VERB
ajfti-2387	126	21	,	,	PUNCT
ajfti-2387	126	22	”	"	PUNCT
ajfti-2387	126	23	to	to	PART
ajfti-2387	126	24	gauge	gauge	VERB
ajfti-2387	126	25	perspectives	perspective	NOUN
ajfti-2387	126	26	on	on	ADP
ajfti-2387	126	27	the	the	DET
ajfti-2387	126	28	opportunities	opportunity	NOUN
ajfti-2387	126	29	and	and	CCONJ
ajfti-2387	126	30	challenges	challenge	NOUN
ajfti-2387	126	31	associated	associate	VERB
ajfti-2387	126	32	with	with	ADP
ajfti-2387	126	33	fintech	fintech	NOUN
ajfti-2387	126	34	and	and	CCONJ
ajfti-2387	126	35	digitalization	digitalization	NOUN
ajfti-2387	126	36	in	in	ADP
ajfti-2387	126	37	the	the	DET
ajfti-2387	126	38	insurance	insurance	NOUN
ajfti-2387	126	39	sector	sector	NOUN
ajfti-2387	126	40	(	(	PUNCT
ajfti-2387	126	41	kimberly	kimberly	ADV
ajfti-2387	126	42	et	et	PROPN
ajfti-2387	126	43	al	al	PROPN
ajfti-2387	126	44	.	.	PROPN
ajfti-2387	126	45	,	,	PUNCT
ajfti-2387	126	46	2022	2022	NUM
ajfti-2387	126	47	)	)	PUNCT
ajfti-2387	126	48	.	.	PUNCT
ajfti-2387	127	1	the	the	DET
ajfti-2387	127	2	survey	survey	NOUN
ajfti-2387	127	3	methodology	methodology	NOUN
ajfti-2387	127	4	is	be	AUX
ajfti-2387	127	5	cost	cost	NOUN
ajfti-2387	127	6	-	-	PUNCT
ajfti-2387	127	7	effective	effective	ADJ
ajfti-2387	127	8	,	,	PUNCT
ajfti-2387	127	9	enabling	enable	VERB
ajfti-2387	127	10	the	the	DET
ajfti-2387	127	11	collection	collection	NOUN
ajfti-2387	127	12	of	of	ADP
ajfti-2387	127	13	diverse	diverse	ADJ
ajfti-2387	127	14	opinions	opinion	NOUN
ajfti-2387	127	15	from	from	ADP
ajfti-2387	127	16	a	a	DET
ajfti-2387	127	17	broad	broad	ADJ
ajfti-2387	127	18	population	population	NOUN
ajfti-2387	127	19	,	,	PUNCT
ajfti-2387	127	20	thereby	thereby	ADV
ajfti-2387	127	21	minimizing	minimize	VERB
ajfti-2387	127	22	bias	bias	NOUN
ajfti-2387	127	23	in	in	ADP
ajfti-2387	127	24	the	the	DET
ajfti-2387	127	25	outcomes	outcome	NOUN
ajfti-2387	127	26	(	(	PUNCT
ajfti-2387	127	27	nayak	nayak	PROPN
ajfti-2387	127	28	&	&	CCONJ
ajfti-2387	127	29	narayan	narayan	PROPN
ajfti-2387	127	30	,	,	PUNCT
ajfti-2387	127	31	2019	2019	NUM
ajfti-2387	127	32	)	)	PUNCT
ajfti-2387	127	33	.	.	PUNCT
ajfti-2387	128	1	sampling	sampling	NOUN
ajfti-2387	128	2	and	and	CCONJ
ajfti-2387	128	3	analysis	analysis	NOUN
ajfti-2387	128	4	a	a	DET
ajfti-2387	128	5	purposive	purposive	ADJ
ajfti-2387	128	6	sampling	sample	VERB
ajfti-2387	128	7	technique	technique	NOUN
ajfti-2387	128	8	,	,	PUNCT
ajfti-2387	128	9	a	a	DET
ajfti-2387	128	10	non	non	ADJ
ajfti-2387	128	11	-	-	ADJ
ajfti-2387	128	12	probability	probability	ADJ
ajfti-2387	128	13	approach	approach	NOUN
ajfti-2387	128	14	,	,	PUNCT
ajfti-2387	128	15	is	be	AUX
ajfti-2387	128	16	employed	employ	VERB
ajfti-2387	128	17	to	to	PART
ajfti-2387	128	18	select	select	VERB
ajfti-2387	128	19	participants	participant	NOUN
ajfti-2387	128	20	with	with	ADP
ajfti-2387	128	21	expertise	expertise	NOUN
ajfti-2387	128	22	in	in	ADP
ajfti-2387	128	23	digital	digital	ADJ
ajfti-2387	128	24	insurance	insurance	NOUN
ajfti-2387	128	25	and	and	CCONJ
ajfti-2387	128	26	fintech	fintech	NOUN
ajfti-2387	128	27	within	within	ADP
ajfti-2387	128	28	the	the	DET
ajfti-2387	128	29	qatari	qatari	ADJ
ajfti-2387	128	30	context	context	NOUN
ajfti-2387	128	31	(	(	PUNCT
ajfti-2387	128	32	tohang	tohang	PROPN
ajfti-2387	128	33	et	et	PROPN
ajfti-2387	128	34	al	al	PROPN
ajfti-2387	128	35	.	.	PROPN
ajfti-2387	128	36	,	,	PUNCT
ajfti-2387	128	37	2021	2021	NUM
ajfti-2387	128	38	)	)	PUNCT
ajfti-2387	128	39	.	.	PUNCT
ajfti-2387	129	1	the	the	DET
ajfti-2387	129	2	sample	sample	NOUN
ajfti-2387	129	3	comprises	comprise	VERB
ajfti-2387	129	4	264	264	NUM
ajfti-2387	129	5	digital	digital	ADJ
ajfti-2387	129	6	insurance	insurance	NOUN
ajfti-2387	129	7	professionals	professional	NOUN
ajfti-2387	129	8	,	,	PUNCT
ajfti-2387	129	9	out	out	ADP
ajfti-2387	129	10	of	of	ADP
ajfti-2387	129	11	which	which	PRON
ajfti-2387	129	12	250	250	NUM
ajfti-2387	129	13	participants	participant	NOUN
ajfti-2387	129	14	’	'	PUNCT
ajfti-2387	129	15	responses	response	NOUN
ajfti-2387	129	16	were	be	AUX
ajfti-2387	129	17	selected	select	VERB
ajfti-2387	129	18	for	for	ADP
ajfti-2387	129	19	final	final	ADJ
ajfti-2387	129	20	analysis	analysis	NOUN
ajfti-2387	129	21	,	,	PUNCT
ajfti-2387	129	22	ensuring	ensure	VERB
ajfti-2387	129	23	participants	participant	NOUN
ajfti-2387	129	24	possess	possess	VERB
ajfti-2387	129	25	relevant	relevant	ADJ
ajfti-2387	129	26	knowledge	knowledge	NOUN
ajfti-2387	129	27	and	and	CCONJ
ajfti-2387	129	28	competence	competence	NOUN
ajfti-2387	129	29	related	relate	VERB
ajfti-2387	129	30	to	to	ADP
ajfti-2387	129	31	the	the	DET
ajfti-2387	129	32	study	study	NOUN
ajfti-2387	129	33	’s	’s	PART
ajfti-2387	129	34	subject	subject	NOUN
ajfti-2387	129	35	.	.	PUNCT
ajfti-2387	130	1	spss	spss	PROPN
ajfti-2387	130	2	software	software	NOUN
ajfti-2387	130	3	is	be	AUX
ajfti-2387	130	4	utilized	utilize	VERB
ajfti-2387	130	5	for	for	ADP
ajfti-2387	130	6	statistical	statistical	ADJ
ajfti-2387	130	7	analysis	analysis	NOUN
ajfti-2387	130	8	,	,	PUNCT
ajfti-2387	130	9	encompassing	encompass	VERB
ajfti-2387	130	10	descriptive	descriptive	ADJ
ajfti-2387	130	11	statistics	statistic	NOUN
ajfti-2387	130	12	,	,	PUNCT
ajfti-2387	130	13	correlation	correlation	NOUN
ajfti-2387	130	14	analysis	analysis	NOUN
ajfti-2387	130	15	,	,	PUNCT
ajfti-2387	130	16	and	and	CCONJ
ajfti-2387	130	17	regression	regression	VERB
ajfti-2387	130	18	analysis	analysis	NOUN
ajfti-2387	130	19	to	to	PART
ajfti-2387	130	20	explore	explore	VERB
ajfti-2387	130	21	variable	variable	ADJ
ajfti-2387	130	22	relationships	relationship	NOUN
ajfti-2387	130	23	and	and	CCONJ
ajfti-2387	130	24	test	test	NOUN
ajfti-2387	130	25	hypotheses	hypothesis	NOUN
ajfti-2387	130	26	(	(	PUNCT
ajfti-2387	130	27	manzoor	manzoor	PROPN
ajfti-2387	130	28	et	et	PROPN
ajfti-2387	130	29	al	al	PROPN
ajfti-2387	130	30	.	.	PROPN
ajfti-2387	130	31	,	,	PUNCT
ajfti-2387	130	32	2019	2019	NUM
ajfti-2387	130	33	)	)	PUNCT
ajfti-2387	130	34	.	.	PUNCT
ajfti-2387	131	1	ethical	ethical	ADJ
ajfti-2387	131	2	considerations	consideration	NOUN
ajfti-2387	131	3	,	,	PUNCT
ajfti-2387	131	4	including	include	VERB
ajfti-2387	131	5	confidentiality	confidentiality	NOUN
ajfti-2387	131	6	and	and	CCONJ
ajfti-2387	131	7	informed	informed	ADJ
ajfti-2387	131	8	consent	consent	NOUN
ajfti-2387	131	9	,	,	PUNCT
ajfti-2387	131	10	are	be	AUX
ajfti-2387	131	11	strictly	strictly	ADV
ajfti-2387	131	12	followed	follow	VERB
ajfti-2387	131	13	throughout	throughout	ADP
ajfti-2387	131	14	the	the	DET
ajfti-2387	131	15	research	research	NOUN
ajfti-2387	131	16	process	process	NOUN
ajfti-2387	131	17	(	(	PUNCT
ajfti-2387	131	18	kang	kang	PROPN
ajfti-2387	131	19	&	&	CCONJ
ajfti-2387	131	20	hwang	hwang	PROPN
ajfti-2387	131	21	,	,	PUNCT
ajfti-2387	131	22	2021	2021	NUM
ajfti-2387	131	23	)	)	PUNCT
ajfti-2387	131	24	.	.	PUNCT
ajfti-2387	132	1	the	the	DET
ajfti-2387	132	2	final	final	ADJ
ajfti-2387	132	3	dataset	dataset	NOUN
ajfti-2387	132	4	ensures	ensure	VERB
ajfti-2387	132	5	a	a	DET
ajfti-2387	132	6	robust	robust	ADJ
ajfti-2387	132	7	and	and	CCONJ
ajfti-2387	132	8	representative	representative	ADJ
ajfti-2387	132	9	sample	sample	NOUN
ajfti-2387	132	10	for	for	ADP
ajfti-2387	132	11	drawing	draw	VERB
ajfti-2387	132	12	meaningful	meaningful	ADJ
ajfti-2387	132	13	conclusions	conclusion	NOUN
ajfti-2387	132	14	regarding	regard	VERB
ajfti-2387	132	15	the	the	DET
ajfti-2387	132	16	impact	impact	NOUN
ajfti-2387	132	17	of	of	ADP
ajfti-2387	132	18	fintech	fintech	NOUN
ajfti-2387	132	19	on	on	ADP
ajfti-2387	132	20	the	the	DET
ajfti-2387	132	21	digital	digital	ADJ
ajfti-2387	132	22	insurance	insurance	NOUN
ajfti-2387	132	23	landscape	landscape	NOUN
ajfti-2387	132	24	in	in	ADP
ajfti-2387	132	25	qatar	qatar	PROPN
ajfti-2387	132	26	.	.	PUNCT
ajfti-2387	133	1	results	result	NOUN
ajfti-2387	133	2	and	and	CCONJ
ajfti-2387	133	3	discussion	discussion	NOUN
ajfti-2387	133	4	results	result	VERB
ajfti-2387	133	5	demographics	demographic	NOUN
ajfti-2387	133	6	the	the	DET
ajfti-2387	133	7	results	result	NOUN
ajfti-2387	133	8	are	be	AUX
ajfti-2387	133	9	illustrated	illustrate	VERB
ajfti-2387	133	10	in	in	ADP
ajfti-2387	133	11	figure	figure	NOUN
ajfti-2387	133	12	1	1	NUM
ajfti-2387	133	13	.	.	PUNCT
ajfti-2387	133	14	shows	show	VERB
ajfti-2387	133	15	the	the	DET
ajfti-2387	133	16	gender	gender	NOUN
ajfti-2387	133	17	distribution	distribution	NOUN
ajfti-2387	133	18	indicates	indicate	VERB
ajfti-2387	133	19	a	a	DET
ajfti-2387	133	20	predominantly	predominantly	ADV
ajfti-2387	133	21	male	male	ADJ
ajfti-2387	133	22	representation	representation	NOUN
ajfti-2387	133	23	(	(	PUNCT
ajfti-2387	133	24	70.5	70.5	NUM
ajfti-2387	133	25	%	%	NOUN
ajfti-2387	133	26	)	)	PUNCT
ajfti-2387	133	27	,	,	PUNCT
ajfti-2387	133	28	while	while	SCONJ
ajfti-2387	133	29	females	female	NOUN
ajfti-2387	133	30	make	make	VERB
ajfti-2387	133	31	up	up	ADP
ajfti-2387	133	32	29.1	29.1	NUM
ajfti-2387	133	33	%	%	NOUN
ajfti-2387	133	34	.	.	PUNCT
ajfti-2387	134	1	in	in	ADP
ajfti-2387	134	2	terms	term	NOUN
ajfti-2387	134	3	of	of	ADP
ajfti-2387	134	4	professional	professional	ADJ
ajfti-2387	134	5	experience	experience	NOUN
ajfti-2387	134	6	,	,	PUNCT
ajfti-2387	134	7	the	the	DET
ajfti-2387	134	8	majority	majority	NOUN
ajfti-2387	134	9	fall	fall	VERB
ajfti-2387	134	10	within	within	ADP
ajfti-2387	134	11	the	the	DET
ajfti-2387	134	12	3	3	NUM
ajfti-2387	134	13	-	-	SYM
ajfti-2387	134	14	5	5	NUM
ajfti-2387	134	15	years	year	NOUN
ajfti-2387	134	16	category	category	NOUN
ajfti-2387	134	17	(	(	PUNCT
ajfti-2387	134	18	43.8	43.8	NUM
ajfti-2387	134	19	%	%	NOUN
ajfti-2387	134	20	)	)	PUNCT
ajfti-2387	134	21	,	,	PUNCT
ajfti-2387	134	22	followed	follow	VERB
ajfti-2387	134	23	by	by	ADP
ajfti-2387	134	24	6	6	NUM
ajfti-2387	134	25	-	-	SYM
ajfti-2387	134	26	7	7	NUM
ajfti-2387	134	27	years	year	NOUN
ajfti-2387	134	28	(	(	PUNCT
ajfti-2387	134	29	23.5	23.5	NUM
ajfti-2387	134	30	%	%	NOUN
ajfti-2387	134	31	)	)	PUNCT
ajfti-2387	134	32	,	,	PUNCT
ajfti-2387	134	33	1	1	NUM
ajfti-2387	134	34	-	-	SYM
ajfti-2387	134	35	2	2	NUM
ajfti-2387	134	36	years	year	NOUN
ajfti-2387	134	37	(	(	PUNCT
ajfti-2387	134	38	19.1	19.1	NUM
ajfti-2387	134	39	%	%	NOUN
ajfti-2387	134	40	)	)	PUNCT
ajfti-2387	134	41	,	,	PUNCT
ajfti-2387	134	42	and	and	CCONJ
ajfti-2387	134	43	more	more	ADJ
ajfti-2387	134	44	than	than	ADP
ajfti-2387	134	45	8	8	NUM
ajfti-2387	134	46	years	year	NOUN
ajfti-2387	134	47	(	(	PUNCT
ajfti-2387	134	48	13.1	13.1	NUM
ajfti-2387	134	49	%	%	NOUN
ajfti-2387	134	50	)	)	PUNCT
ajfti-2387	134	51	.	.	PUNCT
ajfti-2387	135	1	these	these	DET
ajfti-2387	135	2	demographics	demographic	NOUN
ajfti-2387	135	3	highlight	highlight	VERB
ajfti-2387	135	4	a	a	DET
ajfti-2387	135	5	diverse	diverse	ADJ
ajfti-2387	135	6	range	range	NOUN
ajfti-2387	135	7	of	of	ADP
ajfti-2387	135	8	experience	experience	NOUN
ajfti-2387	135	9	levels	level	NOUN
ajfti-2387	135	10	within	within	ADP
ajfti-2387	135	11	the	the	DET
ajfti-2387	135	12	digital	digital	ADJ
ajfti-2387	135	13	insurance	insurance	NOUN
ajfti-2387	135	14	industry	industry	NOUN
ajfti-2387	135	15	,	,	PUNCT
ajfti-2387	135	16	providing	provide	VERB
ajfti-2387	135	17	valuable	valuable	ADJ
ajfti-2387	135	18	insights	insight	NOUN
ajfti-2387	135	19	from	from	ADP
ajfti-2387	135	20	professionals	professional	NOUN
ajfti-2387	135	21	with	with	ADP
ajfti-2387	135	22	varying	vary	VERB
ajfti-2387	135	23	tenures	tenure	NOUN
ajfti-2387	135	24	in	in	ADP
ajfti-2387	135	25	qatar	qatar	PROPN
ajfti-2387	135	26	’s	’s	PART
ajfti-2387	135	27	insurance	insurance	NOUN
ajfti-2387	135	28	sector	sector	NOUN
ajfti-2387	135	29	.	.	PUNCT
ajfti-2387	136	1	pa	pa	PROPN
ajfti-2387	136	2	ge	ge	PROPN
ajfti-2387	136	3	48	48	NUM
ajfti-2387	136	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2387	136	5	am	be	AUX
ajfti-2387	136	6	.	.	PUNCT
ajfti-2387	137	1	j.	j.	PROPN
ajfti-2387	137	2	financ	financ	PROPN
ajfti-2387	137	3	.	.	PUNCT
ajfti-2387	138	1	technol	technol	PROPN
ajfti-2387	138	2	.	.	PUNCT
ajfti-2387	138	3	innov	innov	PROPN
ajfti-2387	138	4	.	.	PUNCT
ajfti-2387	139	1	2(1	2(1	NUM
ajfti-2387	139	2	)	)	PUNCT
ajfti-2387	139	3	44	44	NUM
ajfti-2387	139	4	-	-	SYM
ajfti-2387	139	5	56	56	NUM
ajfti-2387	139	6	,	,	PUNCT
ajfti-2387	139	7	2024	2024	NUM
ajfti-2387	139	8	compliance	compliance	NOUN
ajfti-2387	139	9	and	and	CCONJ
ajfti-2387	139	10	digital	digital	ADJ
ajfti-2387	139	11	integration	integration	NOUN
ajfti-2387	139	12	in	in	ADP
ajfti-2387	139	13	qatar	qatar	PROPN
ajfti-2387	139	14	’s	’s	PART
ajfti-2387	139	15	insurance	insurance	NOUN
ajfti-2387	139	16	sector	sector	NOUN
ajfti-2387	139	17	figure	figure	NOUN
ajfti-2387	139	18	2	2	NUM
ajfti-2387	139	19	.	.	NUM
ajfti-2387	139	20	illustrated	illustrate	VERB
ajfti-2387	139	21	survey	survey	NOUN
ajfti-2387	139	22	responses	response	NOUN
ajfti-2387	139	23	regarding	regard	VERB
ajfti-2387	139	24	regulatory	regulatory	ADJ
ajfti-2387	139	25	compliance	compliance	NOUN
ajfti-2387	139	26	’s	’s	PART
ajfti-2387	139	27	role	role	NOUN
ajfti-2387	139	28	in	in	ADP
ajfti-2387	139	29	the	the	DET
ajfti-2387	139	30	growth	growth	NOUN
ajfti-2387	139	31	of	of	ADP
ajfti-2387	139	32	the	the	DET
ajfti-2387	139	33	digital	digital	ADJ
ajfti-2387	139	34	insurance	insurance	NOUN
ajfti-2387	139	35	industry	industry	NOUN
ajfti-2387	139	36	in	in	ADP
ajfti-2387	139	37	qatar	qatar	PROPN
ajfti-2387	139	38	,	,	PUNCT
ajfti-2387	139	39	a	a	DET
ajfti-2387	139	40	noteworthy	noteworthy	ADJ
ajfti-2387	139	41	64	64	NUM
ajfti-2387	139	42	%	%	NOUN
ajfti-2387	139	43	of	of	ADP
ajfti-2387	139	44	participants	participant	NOUN
ajfti-2387	139	45	agree	agree	VERB
ajfti-2387	139	46	or	or	CCONJ
ajfti-2387	139	47	strongly	strongly	ADV
ajfti-2387	139	48	agree	agree	VERB
ajfti-2387	139	49	that	that	SCONJ
ajfti-2387	139	50	insurance	insurance	NOUN
ajfti-2387	139	51	companies	company	NOUN
ajfti-2387	139	52	adhere	adhere	VERB
ajfti-2387	139	53	to	to	ADP
ajfti-2387	139	54	digital	digital	ADJ
ajfti-2387	139	55	practices	practice	NOUN
ajfti-2387	139	56	as	as	ADP
ajfti-2387	139	57	per	per	ADP
ajfti-2387	139	58	regulatory	regulatory	ADJ
ajfti-2387	139	59	frameworks	framework	NOUN
ajfti-2387	139	60	.	.	PUNCT
ajfti-2387	140	1	moreover	moreover	ADV
ajfti-2387	140	2	,	,	PUNCT
ajfti-2387	140	3	a	a	DET
ajfti-2387	140	4	substantial	substantial	ADJ
ajfti-2387	140	5	71.6	71.6	NUM
ajfti-2387	140	6	%	%	NOUN
ajfti-2387	140	7	believe	believe	VERB
ajfti-2387	140	8	that	that	SCONJ
ajfti-2387	140	9	regulatory	regulatory	ADJ
ajfti-2387	140	10	compliance	compliance	NOUN
ajfti-2387	140	11	significantly	significantly	ADV
ajfti-2387	140	12	influences	influence	VERB
ajfti-2387	140	13	decisionmaking	decisionmake	VERB
ajfti-2387	140	14	processes	process	NOUN
ajfti-2387	140	15	for	for	ADP
ajfti-2387	140	16	digital	digital	ADJ
ajfti-2387	140	17	technology	technology	NOUN
ajfti-2387	140	18	initiatives	initiative	NOUN
ajfti-2387	140	19	in	in	ADP
ajfti-2387	140	20	the	the	DET
ajfti-2387	140	21	industry	industry	NOUN
ajfti-2387	140	22	.	.	PUNCT
ajfti-2387	141	1	additionally	additionally	ADV
ajfti-2387	141	2	,	,	PUNCT
ajfti-2387	141	3	74.4	74.4	NUM
ajfti-2387	141	4	%	%	NOUN
ajfti-2387	141	5	of	of	ADP
ajfti-2387	141	6	respondents	respondent	NOUN
ajfti-2387	141	7	acknowledge	acknowledge	VERB
ajfti-2387	141	8	a	a	DET
ajfti-2387	141	9	good	good	ADJ
ajfti-2387	141	10	understanding	understanding	NOUN
ajfti-2387	141	11	of	of	ADP
ajfti-2387	141	12	digital	digital	ADJ
ajfti-2387	141	13	regulations	regulation	NOUN
ajfti-2387	141	14	imposed	impose	VERB
ajfti-2387	141	15	by	by	ADP
ajfti-2387	141	16	authorities	authority	NOUN
ajfti-2387	141	17	among	among	ADP
ajfti-2387	141	18	insurance	insurance	NOUN
ajfti-2387	141	19	professionals	professional	NOUN
ajfti-2387	141	20	,	,	PUNCT
ajfti-2387	141	21	while	while	SCONJ
ajfti-2387	141	22	62.8	62.8	NUM
ajfti-2387	141	23	%	%	NOUN
ajfti-2387	141	24	perceive	perceive	NOUN
ajfti-2387	141	25	that	that	SCONJ
ajfti-2387	141	26	regulatory	regulatory	ADJ
ajfti-2387	141	27	compliance	compliance	NOUN
ajfti-2387	141	28	enhances	enhance	VERB
ajfti-2387	141	29	the	the	DET
ajfti-2387	141	30	credibility	credibility	NOUN
ajfti-2387	141	31	of	of	ADP
ajfti-2387	141	32	digital	digital	ADJ
ajfti-2387	141	33	insurance	insurance	NOUN
ajfti-2387	141	34	services	service	NOUN
ajfti-2387	141	35	.	.	PUNCT
ajfti-2387	142	1	these	these	DET
ajfti-2387	142	2	findings	finding	NOUN
ajfti-2387	142	3	emphasize	emphasize	VERB
ajfti-2387	142	4	the	the	DET
ajfti-2387	142	5	pivotal	pivotal	ADJ
ajfti-2387	142	6	role	role	NOUN
ajfti-2387	142	7	of	of	ADP
ajfti-2387	142	8	regulatory	regulatory	ADJ
ajfti-2387	142	9	frameworks	framework	NOUN
ajfti-2387	142	10	in	in	ADP
ajfti-2387	142	11	shaping	shape	VERB
ajfti-2387	142	12	and	and	CCONJ
ajfti-2387	142	13	enhancing	enhance	VERB
ajfti-2387	142	14	digital	digital	ADJ
ajfti-2387	142	15	practices	practice	NOUN
ajfti-2387	142	16	within	within	ADP
ajfti-2387	142	17	qatar	qatar	PROPN
ajfti-2387	142	18	’s	’s	PART
ajfti-2387	142	19	insurance	insurance	NOUN
ajfti-2387	142	20	landscape	landscape	NOUN
ajfti-2387	142	21	.	.	PUNCT
ajfti-2387	143	1	figure	figure	VERB
ajfti-2387	143	2	1	1	NUM
ajfti-2387	143	3	:	:	PUNCT
ajfti-2387	143	4	demographics	demographic	NOUN
ajfti-2387	143	5	figure	figure	VERB
ajfti-2387	143	6	2	2	NUM
ajfti-2387	143	7	:	:	PUNCT
ajfti-2387	143	8	compliance	compliance	NOUN
ajfti-2387	143	9	and	and	CCONJ
ajfti-2387	143	10	digital	digital	ADJ
ajfti-2387	143	11	integration	integration	NOUN
ajfti-2387	143	12	pa	pa	PROPN
ajfti-2387	143	13	ge	ge	PROPN
ajfti-2387	143	14	49	49	NUM
ajfti-2387	143	15	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2387	143	16	am	be	AUX
ajfti-2387	143	17	.	.	PUNCT
ajfti-2387	144	1	j.	j.	PROPN
ajfti-2387	144	2	financ	financ	PROPN
ajfti-2387	144	3	.	.	PUNCT
ajfti-2387	145	1	technol	technol	PROPN
ajfti-2387	145	2	.	.	PUNCT
ajfti-2387	145	3	innov	innov	PROPN
ajfti-2387	145	4	.	.	PUNCT
ajfti-2387	146	1	2(1	2(1	NUM
ajfti-2387	146	2	)	)	PUNCT
ajfti-2387	146	3	44	44	NUM
ajfti-2387	146	4	-	-	SYM
ajfti-2387	146	5	56	56	NUM
ajfti-2387	146	6	,	,	PUNCT
ajfti-2387	146	7	2024	2024	NUM
ajfti-2387	146	8	building	building	NOUN
ajfti-2387	146	9	trust	trust	NOUN
ajfti-2387	146	10	through	through	ADP
ajfti-2387	146	11	data	datum	NOUN
ajfti-2387	146	12	security	security	NOUN
ajfti-2387	146	13	and	and	CCONJ
ajfti-2387	146	14	ethical	ethical	ADJ
ajfti-2387	146	15	practices	practice	NOUN
ajfti-2387	146	16	in	in	ADP
ajfti-2387	146	17	qatar	qatar	PROPN
ajfti-2387	146	18	’s	’s	PART
ajfti-2387	146	19	insurance	insurance	NOUN
ajfti-2387	146	20	industry	industry	NOUN
ajfti-2387	146	21	the	the	DET
ajfti-2387	146	22	results	result	NOUN
ajfti-2387	146	23	are	be	AUX
ajfti-2387	146	24	presented	present	VERB
ajfti-2387	146	25	in	in	ADP
ajfti-2387	146	26	figure	figure	NOUN
ajfti-2387	146	27	3	3	NUM
ajfti-2387	146	28	.	.	PUNCT
ajfti-2387	146	29	showing	show	VERB
ajfti-2387	146	30	the	the	DET
ajfti-2387	146	31	participant	participant	NOUN
ajfti-2387	146	32	’s	’s	PART
ajfti-2387	146	33	perceptions	perception	NOUN
ajfti-2387	146	34	on	on	ADP
ajfti-2387	146	35	data	datum	NOUN
ajfti-2387	146	36	security	security	NOUN
ajfti-2387	146	37	and	and	CCONJ
ajfti-2387	146	38	ethical	ethical	ADJ
ajfti-2387	146	39	practices	practice	NOUN
ajfti-2387	146	40	,	,	PUNCT
ajfti-2387	146	41	it	it	PRON
ajfti-2387	146	42	is	be	AUX
ajfti-2387	146	43	evident	evident	ADJ
ajfti-2387	146	44	that	that	SCONJ
ajfti-2387	146	45	a	a	DET
ajfti-2387	146	46	majority	majority	NOUN
ajfti-2387	146	47	(	(	PUNCT
ajfti-2387	146	48	76.8	76.8	NUM
ajfti-2387	146	49	%	%	NOUN
ajfti-2387	146	50	)	)	PUNCT
ajfti-2387	146	51	strongly	strongly	ADV
ajfti-2387	146	52	agree	agree	VERB
ajfti-2387	146	53	or	or	CCONJ
ajfti-2387	146	54	agree	agree	VERB
ajfti-2387	146	55	that	that	SCONJ
ajfti-2387	146	56	insurance	insurance	NOUN
ajfti-2387	146	57	companies	company	NOUN
ajfti-2387	146	58	in	in	ADP
ajfti-2387	146	59	qatar	qatar	PROPN
ajfti-2387	146	60	prioritize	prioritize	VERB
ajfti-2387	146	61	robust	robust	ADJ
ajfti-2387	146	62	cybersecurity	cybersecurity	NOUN
ajfti-2387	146	63	measures	measure	NOUN
ajfti-2387	146	64	.	.	PUNCT
ajfti-2387	147	1	however	however	ADV
ajfti-2387	147	2	,	,	PUNCT
ajfti-2387	147	3	concerns	concern	NOUN
ajfti-2387	147	4	arise	arise	VERB
ajfti-2387	147	5	regarding	regard	VERB
ajfti-2387	147	6	transparency	transparency	NOUN
ajfti-2387	147	7	,	,	PUNCT
ajfti-2387	147	8	with	with	ADP
ajfti-2387	147	9	only	only	ADV
ajfti-2387	147	10	14	14	NUM
ajfti-2387	147	11	%	%	NOUN
ajfti-2387	147	12	strongly	strongly	ADV
ajfti-2387	147	13	agreeing	agree	VERB
ajfti-2387	147	14	that	that	SCONJ
ajfti-2387	147	15	there	there	PRON
ajfti-2387	147	16	is	be	VERB
ajfti-2387	147	17	transparency	transparency	NOUN
ajfti-2387	147	18	in	in	ADP
ajfti-2387	147	19	how	how	SCONJ
ajfti-2387	147	20	customer	customer	NOUN
ajfti-2387	147	21	data	data	NOUN
ajfti-2387	147	22	is	be	AUX
ajfti-2387	147	23	handled	handle	VERB
ajfti-2387	147	24	and	and	CCONJ
ajfti-2387	147	25	72.8	72.8	NUM
ajfti-2387	147	26	%	%	NOUN
ajfti-2387	147	27	agreeing	agreeing	NOUN
ajfti-2387	147	28	.	.	PUNCT
ajfti-2387	148	1	moreover	moreover	ADV
ajfti-2387	148	2	,	,	PUNCT
ajfti-2387	148	3	74	74	NUM
ajfti-2387	148	4	%	%	NOUN
ajfti-2387	148	5	of	of	ADP
ajfti-2387	148	6	participants	participant	NOUN
ajfti-2387	148	7	emphasize	emphasize	VERB
ajfti-2387	148	8	a	a	DET
ajfti-2387	148	9	strong	strong	ADJ
ajfti-2387	148	10	industry	industry	NOUN
ajfti-2387	148	11	emphasis	emphasis	NOUN
ajfti-2387	148	12	on	on	ADP
ajfti-2387	148	13	ethical	ethical	ADJ
ajfti-2387	148	14	considerations	consideration	NOUN
ajfti-2387	148	15	in	in	ADP
ajfti-2387	148	16	digital	digital	ADJ
ajfti-2387	148	17	practices	practice	NOUN
ajfti-2387	148	18	,	,	PUNCT
ajfti-2387	148	19	while	while	SCONJ
ajfti-2387	148	20	77.2	77.2	NUM
ajfti-2387	148	21	%	%	NOUN
ajfti-2387	148	22	believe	believe	VERB
ajfti-2387	148	23	that	that	SCONJ
ajfti-2387	148	24	ethical	ethical	ADJ
ajfti-2387	148	25	practices	practice	NOUN
ajfti-2387	148	26	positively	positively	ADV
ajfti-2387	148	27	impact	impact	VERB
ajfti-2387	148	28	customer	customer	NOUN
ajfti-2387	148	29	trust	trust	NOUN
ajfti-2387	148	30	in	in	ADP
ajfti-2387	148	31	digital	digital	ADJ
ajfti-2387	148	32	insurance	insurance	NOUN
ajfti-2387	148	33	.	.	PUNCT
ajfti-2387	149	1	these	these	DET
ajfti-2387	149	2	results	result	NOUN
ajfti-2387	149	3	highlight	highlight	VERB
ajfti-2387	149	4	the	the	DET
ajfti-2387	149	5	imperative	imperative	ADJ
ajfti-2387	149	6	need	need	NOUN
ajfti-2387	149	7	for	for	ADP
ajfti-2387	149	8	enhancing	enhance	VERB
ajfti-2387	149	9	transparency	transparency	NOUN
ajfti-2387	149	10	in	in	ADP
ajfti-2387	149	11	data	datum	NOUN
ajfti-2387	149	12	handling	handling	NOUN
ajfti-2387	149	13	processes	process	NOUN
ajfti-2387	149	14	to	to	PART
ajfti-2387	149	15	foster	foster	ADJ
ajfti-2387	149	16	trust	trust	NOUN
ajfti-2387	149	17	,	,	PUNCT
ajfti-2387	149	18	even	even	ADV
ajfti-2387	149	19	as	as	SCONJ
ajfti-2387	149	20	ethical	ethical	ADJ
ajfti-2387	149	21	considerations	consideration	NOUN
ajfti-2387	149	22	are	be	AUX
ajfti-2387	149	23	acknowledged	acknowledge	VERB
ajfti-2387	149	24	as	as	ADP
ajfti-2387	149	25	pivotal	pivotal	ADJ
ajfti-2387	149	26	in	in	ADP
ajfti-2387	149	27	building	build	VERB
ajfti-2387	149	28	trust	trust	NOUN
ajfti-2387	149	29	in	in	ADP
ajfti-2387	149	30	qatar	qatar	PROPN
ajfti-2387	149	31	’s	’s	PART
ajfti-2387	149	32	digital	digital	ADJ
ajfti-2387	149	33	insurance	insurance	NOUN
ajfti-2387	149	34	landscape	landscape	NOUN
ajfti-2387	149	35	.	.	PUNCT
ajfti-2387	150	1	figure	figure	VERB
ajfti-2387	150	2	3	3	NUM
ajfti-2387	150	3	:	:	PUNCT
ajfti-2387	150	4	data	datum	NOUN
ajfti-2387	150	5	security	security	NOUN
ajfti-2387	150	6	and	and	CCONJ
ajfti-2387	150	7	ethical	ethical	ADJ
ajfti-2387	150	8	practices	practice	NOUN
ajfti-2387	150	9	in	in	ADP
ajfti-2387	150	10	qatar	qatar	PROPN
ajfti-2387	150	11	’s	’s	PART
ajfti-2387	150	12	insurance	insurance	NOUN
ajfti-2387	150	13	industry	industry	NOUN
ajfti-2387	150	14	market	market	NOUN
ajfti-2387	150	15	dynamics	dynamic	NOUN
ajfti-2387	150	16	and	and	CCONJ
ajfti-2387	150	17	digital	digital	ADJ
ajfti-2387	150	18	competitiveness	competitiveness	NOUN
ajfti-2387	150	19	figure	figure	NOUN
ajfti-2387	150	20	4	4	NUM
ajfti-2387	150	21	.	.	PUNCT
ajfti-2387	150	22	illustrated	illustrate	VERB
ajfti-2387	150	23	the	the	DET
ajfti-2387	150	24	impact	impact	NOUN
ajfti-2387	150	25	of	of	ADP
ajfti-2387	150	26	market	market	NOUN
ajfti-2387	150	27	dynamics	dynamic	NOUN
ajfti-2387	150	28	and	and	CCONJ
ajfti-2387	150	29	competitiveness	competitiveness	NOUN
ajfti-2387	150	30	in	in	ADP
ajfti-2387	150	31	qatar	qatar	PROPN
ajfti-2387	150	32	’s	’s	PART
ajfti-2387	150	33	insurance	insurance	NOUN
ajfti-2387	150	34	sector	sector	NOUN
ajfti-2387	150	35	,	,	PUNCT
ajfti-2387	150	36	which	which	PRON
ajfti-2387	150	37	reveals	reveal	VERB
ajfti-2387	150	38	a	a	DET
ajfti-2387	150	39	positive	positive	ADJ
ajfti-2387	150	40	perception	perception	NOUN
ajfti-2387	150	41	toward	toward	ADP
ajfti-2387	150	42	digitalization	digitalization	NOUN
ajfti-2387	150	43	.	.	PUNCT
ajfti-2387	151	1	a	a	DET
ajfti-2387	151	2	significant	significant	ADJ
ajfti-2387	151	3	portion	portion	NOUN
ajfti-2387	151	4	(	(	PUNCT
ajfti-2387	151	5	74	74	NUM
ajfti-2387	151	6	%	%	NOUN
ajfti-2387	151	7	)	)	PUNCT
ajfti-2387	151	8	believe	believe	VERB
ajfti-2387	151	9	that	that	SCONJ
ajfti-2387	151	10	digitalization	digitalization	NOUN
ajfti-2387	151	11	enhances	enhance	VERB
ajfti-2387	151	12	market	market	NOUN
ajfti-2387	151	13	competitiveness	competitiveness	NOUN
ajfti-2387	151	14	,	,	PUNCT
ajfti-2387	151	15	emphasizing	emphasize	VERB
ajfti-2387	151	16	a	a	DET
ajfti-2387	151	17	transformative	transformative	ADJ
ajfti-2387	151	18	influence	influence	NOUN
ajfti-2387	151	19	.	.	PUNCT
ajfti-2387	152	1	furthermore	furthermore	ADV
ajfti-2387	152	2	,	,	PUNCT
ajfti-2387	152	3	65.1	65.1	NUM
ajfti-2387	152	4	%	%	NOUN
ajfti-2387	152	5	strongly	strongly	ADV
ajfti-2387	152	6	agree	agree	VERB
ajfti-2387	152	7	or	or	CCONJ
ajfti-2387	152	8	agree	agree	VERB
ajfti-2387	152	9	that	that	SCONJ
ajfti-2387	152	10	insurance	insurance	NOUN
ajfti-2387	152	11	companies	company	NOUN
ajfti-2387	152	12	actively	actively	ADV
ajfti-2387	152	13	leverage	leverage	VERB
ajfti-2387	152	14	digital	digital	ADJ
ajfti-2387	152	15	technologies	technology	NOUN
ajfti-2387	152	16	for	for	ADP
ajfti-2387	152	17	a	a	DET
ajfti-2387	152	18	competitive	competitive	ADJ
ajfti-2387	152	19	edge	edge	NOUN
ajfti-2387	152	20	,	,	PUNCT
ajfti-2387	152	21	showcasing	showcase	VERB
ajfti-2387	152	22	an	an	DET
ajfti-2387	152	23	industry	industry	NOUN
ajfti-2387	152	24	-	-	PUNCT
ajfti-2387	152	25	wide	wide	ADJ
ajfti-2387	152	26	commitment	commitment	NOUN
ajfti-2387	152	27	to	to	ADP
ajfti-2387	152	28	digital	digital	ADJ
ajfti-2387	152	29	innovation	innovation	NOUN
ajfti-2387	152	30	.	.	PUNCT
ajfti-2387	153	1	participants	participant	NOUN
ajfti-2387	153	2	(	(	PUNCT
ajfti-2387	153	3	58	58	NUM
ajfti-2387	153	4	%	%	NOUN
ajfti-2387	153	5	)	)	PUNCT
ajfti-2387	153	6	strongly	strongly	ADV
ajfti-2387	153	7	agree	agree	VERB
ajfti-2387	153	8	that	that	SCONJ
ajfti-2387	153	9	market	market	NOUN
ajfti-2387	153	10	dynamics	dynamic	NOUN
ajfti-2387	153	11	have	have	AUX
ajfti-2387	153	12	fundamentally	fundamentally	ADV
ajfti-2387	153	13	changed	change	VERB
ajfti-2387	153	14	due	due	ADP
ajfti-2387	153	15	to	to	ADP
ajfti-2387	153	16	digital	digital	ADJ
ajfti-2387	153	17	transformation	transformation	NOUN
ajfti-2387	153	18	,	,	PUNCT
ajfti-2387	153	19	highlighting	highlight	VERB
ajfti-2387	153	20	the	the	DET
ajfti-2387	153	21	profound	profound	ADJ
ajfti-2387	153	22	impact	impact	NOUN
ajfti-2387	153	23	on	on	ADP
ajfti-2387	153	24	the	the	DET
ajfti-2387	153	25	insurance	insurance	NOUN
ajfti-2387	153	26	landscape	landscape	NOUN
ajfti-2387	153	27	.	.	PUNCT
ajfti-2387	154	1	however	however	ADV
ajfti-2387	154	2	,	,	PUNCT
ajfti-2387	154	3	respondents	respondent	NOUN
ajfti-2387	154	4	express	express	VERB
ajfti-2387	154	5	some	some	DET
ajfti-2387	154	6	reservations	reservation	NOUN
ajfti-2387	154	7	,	,	PUNCT
ajfti-2387	154	8	with	with	ADP
ajfti-2387	154	9	90.8	90.8	NUM
ajfti-2387	154	10	%	%	NOUN
ajfti-2387	154	11	acknowledging	acknowledge	VERB
ajfti-2387	154	12	the	the	DET
ajfti-2387	154	13	need	need	NOUN
ajfti-2387	154	14	for	for	ADP
ajfti-2387	154	15	further	further	ADJ
ajfti-2387	154	16	exploration	exploration	NOUN
ajfti-2387	154	17	of	of	ADP
ajfti-2387	154	18	how	how	SCONJ
ajfti-2387	154	19	digital	digital	ADJ
ajfti-2387	154	20	tools	tool	NOUN
ajfti-2387	154	21	enable	enable	VERB
ajfti-2387	154	22	the	the	DET
ajfti-2387	154	23	delivery	delivery	NOUN
ajfti-2387	154	24	of	of	ADP
ajfti-2387	154	25	unique	unique	ADJ
ajfti-2387	154	26	and	and	CCONJ
ajfti-2387	154	27	innovative	innovative	ADJ
ajfti-2387	154	28	services	service	NOUN
ajfti-2387	154	29	.	.	PUNCT
ajfti-2387	155	1	these	these	DET
ajfti-2387	155	2	findings	finding	NOUN
ajfti-2387	155	3	underline	underline	VERB
ajfti-2387	155	4	the	the	DET
ajfti-2387	155	5	industry	industry	NOUN
ajfti-2387	155	6	’s	’s	PART
ajfti-2387	155	7	evolving	evolve	VERB
ajfti-2387	155	8	nature	nature	NOUN
ajfti-2387	155	9	and	and	CCONJ
ajfti-2387	155	10	the	the	DET
ajfti-2387	155	11	ongoing	ongoing	ADJ
ajfti-2387	155	12	quest	quest	NOUN
ajfti-2387	155	13	for	for	ADP
ajfti-2387	155	14	innovative	innovative	ADJ
ajfti-2387	155	15	digital	digital	ADJ
ajfti-2387	155	16	solutions	solution	NOUN
ajfti-2387	155	17	.	.	PUNCT
ajfti-2387	156	1	pa	pa	PROPN
ajfti-2387	156	2	ge	ge	PROPN
ajfti-2387	156	3	50	50	NUM
ajfti-2387	156	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2387	156	5	am	be	AUX
ajfti-2387	156	6	.	.	PUNCT
ajfti-2387	157	1	j.	j.	PROPN
ajfti-2387	157	2	financ	financ	PROPN
ajfti-2387	157	3	.	.	PUNCT
ajfti-2387	158	1	technol	technol	PROPN
ajfti-2387	158	2	.	.	PUNCT
ajfti-2387	158	3	innov	innov	PROPN
ajfti-2387	158	4	.	.	PUNCT
ajfti-2387	159	1	2(1	2(1	NUM
ajfti-2387	159	2	)	)	PUNCT
ajfti-2387	159	3	44	44	NUM
ajfti-2387	159	4	-	-	SYM
ajfti-2387	159	5	56	56	NUM
ajfti-2387	159	6	,	,	PUNCT
ajfti-2387	159	7	2024	2024	NUM
ajfti-2387	159	8	influence	influence	NOUN
ajfti-2387	159	9	the	the	DET
ajfti-2387	159	10	bargaining	bargaining	NOUN
ajfti-2387	159	11	power	power	NOUN
ajfti-2387	159	12	of	of	ADP
ajfti-2387	159	13	both	both	DET
ajfti-2387	159	14	customers	customer	NOUN
ajfti-2387	159	15	and	and	CCONJ
ajfti-2387	159	16	suppliers	supplier	NOUN
ajfti-2387	159	17	,	,	PUNCT
ajfti-2387	159	18	indicating	indicate	VERB
ajfti-2387	159	19	an	an	DET
ajfti-2387	159	20	intricate	intricate	ADJ
ajfti-2387	159	21	relationship	relationship	NOUN
ajfti-2387	159	22	with	with	ADP
ajfti-2387	159	23	stakeholders	stakeholder	NOUN
ajfti-2387	159	24	.	.	PUNCT
ajfti-2387	160	1	additionally	additionally	ADV
ajfti-2387	160	2	,	,	PUNCT
ajfti-2387	160	3	67.2	67.2	NUM
ajfti-2387	160	4	%	%	NOUN
ajfti-2387	160	5	recognize	recognize	VERB
ajfti-2387	160	6	digital	digital	ADJ
ajfti-2387	160	7	resources	resource	NOUN
ajfti-2387	160	8	as	as	ADP
ajfti-2387	160	9	contributors	contributor	NOUN
ajfti-2387	160	10	to	to	ADP
ajfti-2387	160	11	a	a	DET
ajfti-2387	160	12	competitive	competitive	ADJ
ajfti-2387	160	13	advantage	advantage	NOUN
ajfti-2387	160	14	in	in	ADP
ajfti-2387	160	15	the	the	DET
ajfti-2387	160	16	digital	digital	ADJ
ajfti-2387	160	17	insurance	insurance	NOUN
ajfti-2387	160	18	market	market	NOUN
ajfti-2387	160	19	.	.	PUNCT
ajfti-2387	161	1	however	however	ADV
ajfti-2387	161	2	,	,	PUNCT
ajfti-2387	161	3	there	there	PRON
ajfti-2387	161	4	are	be	VERB
ajfti-2387	161	5	reservations	reservation	NOUN
ajfti-2387	161	6	,	,	PUNCT
ajfti-2387	161	7	with	with	ADP
ajfti-2387	161	8	88.8	88.8	NUM
ajfti-2387	161	9	%	%	NOUN
ajfti-2387	161	10	neutrally	neutrally	ADV
ajfti-2387	161	11	or	or	CCONJ
ajfti-2387	161	12	affirmatively	affirmatively	ADV
ajfti-2387	161	13	agreeing	agree	VERB
ajfti-2387	161	14	that	that	SCONJ
ajfti-2387	161	15	digital	digital	ADJ
ajfti-2387	161	16	advancements	advancement	NOUN
ajfti-2387	161	17	pose	pose	VERB
ajfti-2387	161	18	barriers	barrier	NOUN
ajfti-2387	161	19	for	for	ADP
ajfti-2387	161	20	new	new	ADJ
ajfti-2387	161	21	entrants	entrant	NOUN
ajfti-2387	161	22	.	.	PUNCT
ajfti-2387	162	1	these	these	DET
ajfti-2387	162	2	results	result	NOUN
ajfti-2387	162	3	underscore	underscore	VERB
ajfti-2387	162	4	the	the	DET
ajfti-2387	162	5	nuanced	nuanced	ADJ
ajfti-2387	162	6	dynamics	dynamic	NOUN
ajfti-2387	162	7	of	of	ADP
ajfti-2387	162	8	digitalization	digitalization	NOUN
ajfti-2387	162	9	,	,	PUNCT
ajfti-2387	162	10	showcasing	showcase	VERB
ajfti-2387	162	11	both	both	CCONJ
ajfti-2387	162	12	its	its	PRON
ajfti-2387	162	13	potential	potential	ADJ
ajfti-2387	162	14	benefits	benefit	NOUN
ajfti-2387	162	15	and	and	CCONJ
ajfti-2387	162	16	challenges	challenge	NOUN
ajfti-2387	162	17	in	in	ADP
ajfti-2387	162	18	fostering	foster	VERB
ajfti-2387	162	19	competitive	competitive	ADJ
ajfti-2387	162	20	environments	environment	NOUN
ajfti-2387	162	21	.	.	PUNCT
ajfti-2387	163	1	navigating	navigate	VERB
ajfti-2387	163	2	competitive	competitive	ADJ
ajfti-2387	163	3	realities	reality	NOUN
ajfti-2387	163	4	in	in	ADP
ajfti-2387	163	5	qatar	qatar	PROPN
ajfti-2387	163	6	’s	’s	PART
ajfti-2387	163	7	insurance	insurance	NOUN
ajfti-2387	163	8	sphere	sphere	NOUN
ajfti-2387	163	9	figure	figure	NOUN
ajfti-2387	163	10	5	5	NUM
ajfti-2387	163	11	shows	show	VERB
ajfti-2387	163	12	insight	insight	VERB
ajfti-2387	163	13	into	into	ADP
ajfti-2387	163	14	participant	participant	ADJ
ajfti-2387	163	15	perceptions	perception	NOUN
ajfti-2387	163	16	on	on	ADP
ajfti-2387	163	17	the	the	DET
ajfti-2387	163	18	impact	impact	NOUN
ajfti-2387	163	19	of	of	ADP
ajfti-2387	163	20	digital	digital	ADJ
ajfti-2387	163	21	advancement	advancement	NOUN
ajfti-2387	163	22	and	and	CCONJ
ajfti-2387	163	23	increasing	increase	VERB
ajfti-2387	163	24	competitive	competitive	ADJ
ajfti-2387	163	25	rivalry	rivalry	NOUN
ajfti-2387	163	26	in	in	ADP
ajfti-2387	163	27	qatar	qatar	PROPN
ajfti-2387	163	28	’s	’s	PART
ajfti-2387	163	29	insurance	insurance	NOUN
ajfti-2387	163	30	sector	sector	NOUN
ajfti-2387	163	31	and	and	CCONJ
ajfti-2387	163	32	unveils	unveil	VERB
ajfti-2387	163	33	insights	insight	NOUN
ajfti-2387	163	34	into	into	ADP
ajfti-2387	163	35	industry	industry	NOUN
ajfti-2387	163	36	perceptions	perception	NOUN
ajfti-2387	163	37	.	.	PUNCT
ajfti-2387	164	1	a	a	DET
ajfti-2387	164	2	significant	significant	ADJ
ajfti-2387	164	3	majority	majority	NOUN
ajfti-2387	164	4	(	(	PUNCT
ajfti-2387	164	5	56.8	56.8	NUM
ajfti-2387	164	6	%	%	NOUN
ajfti-2387	164	7	)	)	PUNCT
ajfti-2387	164	8	acknowledge	acknowledge	VERB
ajfti-2387	164	9	that	that	DET
ajfti-2387	164	10	digitalization	digitalization	NOUN
ajfti-2387	164	11	has	have	VERB
ajfti-2387	164	12	a	a	DET
ajfti-2387	164	13	substantial	substantial	ADJ
ajfti-2387	164	14	impact	impact	NOUN
ajfti-2387	164	15	on	on	ADP
ajfti-2387	164	16	competitive	competitive	ADJ
ajfti-2387	164	17	rivalry	rivalry	NOUN
ajfti-2387	164	18	,	,	PUNCT
ajfti-2387	164	19	reflecting	reflect	VERB
ajfti-2387	164	20	an	an	DET
ajfti-2387	164	21	awareness	awareness	NOUN
ajfti-2387	164	22	of	of	ADP
ajfti-2387	164	23	the	the	DET
ajfti-2387	164	24	transformative	transformative	ADJ
ajfti-2387	164	25	effects	effect	NOUN
ajfti-2387	164	26	of	of	ADP
ajfti-2387	164	27	digital	digital	ADJ
ajfti-2387	164	28	technologies	technology	NOUN
ajfti-2387	164	29	.	.	PUNCT
ajfti-2387	165	1	respondents	respondent	NOUN
ajfti-2387	165	2	(	(	PUNCT
ajfti-2387	165	3	58.8	58.8	NUM
ajfti-2387	165	4	%	%	NOUN
ajfti-2387	165	5	)	)	PUNCT
ajfti-2387	165	6	believe	believe	VERB
ajfti-2387	165	7	that	that	SCONJ
ajfti-2387	165	8	digital	digital	ADJ
ajfti-2387	165	9	technologies	technology	NOUN
ajfti-2387	165	10	figure	figure	VERB
ajfti-2387	165	11	4	4	NUM
ajfti-2387	165	12	:	:	PUNCT
ajfti-2387	165	13	market	market	NOUN
ajfti-2387	165	14	dynamics	dynamic	NOUN
ajfti-2387	165	15	and	and	CCONJ
ajfti-2387	165	16	digital	digital	ADJ
ajfti-2387	165	17	competitiveness	competitiveness	NOUN
ajfti-2387	165	18	pa	pa	PROPN
ajfti-2387	165	19	ge	ge	PROPN
ajfti-2387	165	20	51	51	NUM
ajfti-2387	165	21	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2387	165	22	am	be	AUX
ajfti-2387	165	23	.	.	PUNCT
ajfti-2387	166	1	j.	j.	PROPN
ajfti-2387	166	2	financ	financ	PROPN
ajfti-2387	166	3	.	.	PUNCT
ajfti-2387	167	1	technol	technol	PROPN
ajfti-2387	167	2	.	.	PUNCT
ajfti-2387	167	3	innov	innov	PROPN
ajfti-2387	167	4	.	.	PUNCT
ajfti-2387	168	1	2(1	2(1	NUM
ajfti-2387	168	2	)	)	PUNCT
ajfti-2387	168	3	44	44	NUM
ajfti-2387	168	4	-	-	SYM
ajfti-2387	168	5	56	56	NUM
ajfti-2387	168	6	,	,	PUNCT
ajfti-2387	168	7	2024	2024	NUM
ajfti-2387	168	8	co	co	NOUN
ajfti-2387	168	9	-	-	NOUN
ajfti-2387	168	10	relation	relation	NOUN
ajfti-2387	168	11	analysis	analysis	NOUN
ajfti-2387	168	12	the	the	DET
ajfti-2387	168	13	correlation	correlation	NOUN
ajfti-2387	168	14	analysis	analysis	NOUN
ajfti-2387	168	15	reveals	reveal	VERB
ajfti-2387	168	16	strong	strong	ADJ
ajfti-2387	168	17	and	and	CCONJ
ajfti-2387	168	18	significant	significant	ADJ
ajfti-2387	168	19	relationships	relationship	NOUN
ajfti-2387	168	20	among	among	ADP
ajfti-2387	168	21	key	key	ADJ
ajfti-2387	168	22	variables	variable	NOUN
ajfti-2387	168	23	in	in	ADP
ajfti-2387	168	24	qatar	qatar	PROPN
ajfti-2387	168	25	’s	’s	PART
ajfti-2387	168	26	digital	digital	ADJ
ajfti-2387	168	27	insurance	insurance	NOUN
ajfti-2387	168	28	landscape	landscape	NOUN
ajfti-2387	168	29	.	.	PUNCT
ajfti-2387	169	1	challenges	challenge	NOUN
ajfti-2387	169	2	and	and	CCONJ
ajfti-2387	169	3	adoption	adoption	NOUN
ajfti-2387	169	4	of	of	ADP
ajfti-2387	169	5	digitization	digitization	NOUN
ajfti-2387	169	6	exhibit	exhibit	VERB
ajfti-2387	169	7	positive	positive	ADJ
ajfti-2387	169	8	correlations	correlation	NOUN
ajfti-2387	169	9	with	with	ADP
ajfti-2387	169	10	the	the	DET
ajfti-2387	169	11	impact	impact	NOUN
ajfti-2387	169	12	of	of	ADP
ajfti-2387	169	13	regulatory	regulatory	ADJ
ajfti-2387	169	14	frameworks	framework	NOUN
ajfti-2387	169	15	(	(	PUNCT
ajfti-2387	169	16	r	r	NOUN
ajfti-2387	169	17	=	=	SYM
ajfti-2387	169	18	0.443	0.443	NUM
ajfti-2387	169	19	,	,	PUNCT
ajfti-2387	169	20	p	p	X
ajfti-2387	169	21	<	<	X
ajfti-2387	169	22	0.01	0.01	NUM
ajfti-2387	169	23	)	)	PUNCT
ajfti-2387	169	24	and	and	CCONJ
ajfti-2387	169	25	competitive	competitive	ADJ
ajfti-2387	169	26	rivalry	rivalry	NOUN
ajfti-2387	169	27	in	in	ADP
ajfti-2387	169	28	the	the	DET
ajfti-2387	169	29	digital	digital	ADJ
ajfti-2387	169	30	insurance	insurance	NOUN
ajfti-2387	169	31	sector	sector	NOUN
ajfti-2387	169	32	(	(	PUNCT
ajfti-2387	169	33	r	r	NOUN
ajfti-2387	169	34	=	=	SYM
ajfti-2387	169	35	0.717	0.717	NUM
ajfti-2387	169	36	,	,	PUNCT
ajfti-2387	169	37	p	p	X
ajfti-2387	169	38	<	<	X
ajfti-2387	169	39	0.01	0.01	NUM
ajfti-2387	169	40	)	)	PUNCT
ajfti-2387	169	41	.	.	PUNCT
ajfti-2387	170	1	notably	notably	ADV
ajfti-2387	170	2	,	,	PUNCT
ajfti-2387	170	3	security	security	NOUN
ajfti-2387	170	4	challenges	challenge	NOUN
ajfti-2387	170	5	for	for	ADP
ajfti-2387	170	6	digitization	digitization	NOUN
ajfti-2387	170	7	are	be	AUX
ajfti-2387	170	8	strongly	strongly	ADV
ajfti-2387	170	9	correlated	correlate	VERB
ajfti-2387	170	10	with	with	ADP
ajfti-2387	170	11	challenges	challenge	NOUN
ajfti-2387	170	12	and	and	CCONJ
ajfti-2387	170	13	adoption	adoption	NOUN
ajfti-2387	170	14	(	(	PUNCT
ajfti-2387	170	15	r	r	NOUN
ajfti-2387	170	16	=	=	SYM
ajfti-2387	170	17	0.516	0.516	NUM
ajfti-2387	170	18	,	,	PUNCT
ajfti-2387	170	19	p	p	X
ajfti-2387	170	20	<	<	X
ajfti-2387	170	21	0.01	0.01	NUM
ajfti-2387	170	22	)	)	PUNCT
ajfti-2387	170	23	and	and	CCONJ
ajfti-2387	170	24	competitive	competitive	ADJ
ajfti-2387	170	25	rivalry	rivalry	NOUN
ajfti-2387	170	26	(	(	PUNCT
ajfti-2387	170	27	r	r	NOUN
ajfti-2387	170	28	=	=	NOUN
ajfti-2387	170	29	0.719	0.719	NUM
ajfti-2387	170	30	,	,	PUNCT
ajfti-2387	170	31	p	p	X
ajfti-2387	170	32	<	<	X
ajfti-2387	170	33	0.01	0.01	NUM
ajfti-2387	170	34	)	)	PUNCT
ajfti-2387	170	35	.	.	PUNCT
ajfti-2387	171	1	furthermore	furthermore	ADV
ajfti-2387	171	2	,	,	PUNCT
ajfti-2387	171	3	competitive	competitive	ADJ
ajfti-2387	171	4	rivalry	rivalry	NOUN
ajfti-2387	171	5	shows	show	VERB
ajfti-2387	171	6	a	a	DET
ajfti-2387	171	7	significant	significant	ADJ
ajfti-2387	171	8	positive	positive	ADJ
ajfti-2387	171	9	correlation	correlation	NOUN
ajfti-2387	171	10	with	with	ADP
ajfti-2387	171	11	market	market	NOUN
ajfti-2387	171	12	competitiveness	competitiveness	NOUN
ajfti-2387	171	13	(	(	PUNCT
ajfti-2387	171	14	r	r	NOUN
ajfti-2387	171	15	=	=	NOUN
ajfti-2387	171	16	0.602	0.602	NUM
ajfti-2387	171	17	,	,	PUNCT
ajfti-2387	171	18	p	p	X
ajfti-2387	171	19	<	<	X
ajfti-2387	171	20	0.01	0.01	NUM
ajfti-2387	171	21	)	)	PUNCT
ajfti-2387	171	22	.	.	PUNCT
ajfti-2387	172	1	these	these	DET
ajfti-2387	172	2	robust	robust	ADJ
ajfti-2387	172	3	correlations	correlation	NOUN
ajfti-2387	172	4	underscore	underscore	VERB
ajfti-2387	172	5	the	the	DET
ajfti-2387	172	6	interconnectedness	interconnectedness	NOUN
ajfti-2387	172	7	and	and	CCONJ
ajfti-2387	172	8	interdependence	interdependence	NOUN
ajfti-2387	172	9	of	of	ADP
ajfti-2387	172	10	factors	factor	NOUN
ajfti-2387	172	11	influencing	influence	VERB
ajfti-2387	172	12	the	the	DET
ajfti-2387	172	13	digital	digital	ADJ
ajfti-2387	172	14	insurance	insurance	NOUN
ajfti-2387	172	15	landscape	landscape	NOUN
ajfti-2387	172	16	in	in	ADP
ajfti-2387	172	17	qatar	qatar	PROPN
ajfti-2387	172	18	.	.	PUNCT
ajfti-2387	173	1	figure	figure	VERB
ajfti-2387	173	2	5	5	NUM
ajfti-2387	173	3	:	:	PUNCT
ajfti-2387	173	4	navigating	navigate	VERB
ajfti-2387	173	5	competitive	competitive	ADJ
ajfti-2387	173	6	realities	reality	NOUN
ajfti-2387	173	7	in	in	ADP
ajfti-2387	173	8	qatar	qatar	PROPN
ajfti-2387	173	9	’s	’s	PART
ajfti-2387	173	10	insurance	insurance	NOUN
ajfti-2387	173	11	sphere	sphere	NOUN
ajfti-2387	173	12	table	table	NOUN
ajfti-2387	173	13	1	1	NUM
ajfti-2387	173	14	:	:	PUNCT
ajfti-2387	173	15	correlations	correlation	NOUN
ajfti-2387	173	16	c	c	NOUN
ajfti-2387	173	17	ha	ha	INTJ
ajfti-2387	173	18	lle	lle	PROPN
ajfti-2387	173	19	ng	ng	PROPN
ajfti-2387	173	20	es	es	PROPN
ajfti-2387	173	21	a	a	DET
ajfti-2387	173	22	nd	nd	NOUN
ajfti-2387	173	23	a	a	DET
ajfti-2387	173	24	do	do	AUX
ajfti-2387	173	25	pt	pt	X
ajfti-2387	173	26	io	io	PROPN
ajfti-2387	173	27	n	n	PROPN
ajfti-2387	173	28	of	of	ADP
ajfti-2387	173	29	d	d	X
ajfti-2387	173	30	ig	ig	PROPN
ajfti-2387	174	1	iti	iti	PROPN
ajfti-2387	174	2	za	za	PROPN
ajfti-2387	174	3	tio	tio	PROPN
ajfti-2387	174	4	n	n	PROPN
ajfti-2387	175	1	i	i	PRON
ajfti-2387	175	2	m	m	VERB
ajfti-2387	175	3	pa	pa	NOUN
ajfti-2387	175	4	ct	ct	NUM
ajfti-2387	175	5	o	o	NOUN
ajfti-2387	176	1	f	f	NOUN
ajfti-2387	176	2	r	r	NOUN
ajfti-2387	176	3	eg	eg	NOUN
ajfti-2387	176	4	ul	ul	INTJ
ajfti-2387	176	5	at	at	ADP
ajfti-2387	176	6	or	or	CCONJ
ajfti-2387	176	7	y	y	PRON
ajfti-2387	176	8	fr	fr	PROPN
ajfti-2387	176	9	am	be	AUX
ajfti-2387	176	10	ew	ew	ADJ
ajfti-2387	176	11	or	or	CCONJ
ajfti-2387	176	12	ks	ks	PROPN
ajfti-2387	176	13	se	se	PROPN
ajfti-2387	176	14	cu	cu	PROPN
ajfti-2387	176	15	ri	ri	PROPN
ajfti-2387	177	1	ty	ty	INTJ
ajfti-2387	177	2	c	c	INTJ
ajfti-2387	177	3	ha	ha	INTJ
ajfti-2387	177	4	lla	lla	PROPN
ajfti-2387	177	5	ng	ng	PROPN
ajfti-2387	177	6	es	es	PROPN
ajfti-2387	177	7	f	f	PROPN
ajfti-2387	178	1	or	or	CCONJ
ajfti-2387	178	2	d	d	ADP
ajfti-2387	178	3	ig	ig	PROPN
ajfti-2387	179	1	iti	iti	PROPN
ajfti-2387	179	2	za	za	PROPN
ajfti-2387	179	3	tio	tio	PROPN
ajfti-2387	179	4	n	n	ADV
ajfti-2387	179	5	c	c	NOUN
ajfti-2387	179	6	om	om	PROPN
ajfti-2387	179	7	pe	pe	INTJ
ajfti-2387	179	8	tit	tit	NOUN
ajfti-2387	180	1	iv	iv	NUM
ajfti-2387	181	1	e	e	NOUN
ajfti-2387	181	2	r	r	NOUN
ajfti-2387	181	3	iv	iv	NUM
ajfti-2387	181	4	al	al	PROPN
ajfti-2387	181	5	ry	ry	PROPN
ajfti-2387	181	6	a	a	DET
ajfti-2387	181	7	nd	nd	ADP
ajfti-2387	181	8	e	e	PROPN
ajfti-2387	181	9	nh	nh	PROPN
ajfti-2387	181	10	an	an	PROPN
ajfti-2387	181	11	ce	ce	PROPN
ajfti-2387	182	1	d	d	PROPN
ajfti-2387	182	2	d	d	X
ajfti-2387	182	3	ig	ig	PROPN
ajfti-2387	182	4	ita	ita	PROPN
ajfti-2387	182	5	l	l	NOUN
ajfti-2387	182	6	in	in	ADP
ajfti-2387	182	7	su	su	PROPN
ajfti-2387	182	8	ra	ra	PROPN
ajfti-2387	182	9	nc	nc	PROPN
ajfti-2387	182	10	e	e	PROPN
ajfti-2387	182	11	se	se	PROPN
ajfti-2387	182	12	ct	ct	PROPN
ajfti-2387	182	13	or	or	CCONJ
ajfti-2387	182	14	m	m	PROPN
ajfti-2387	182	15	ar	ar	PROPN
ajfti-2387	182	16	ke	ke	PROPN
ajfti-2387	182	17	t	t	PROPN
ajfti-2387	183	1	c	c	PROPN
ajfti-2387	183	2	om	om	INTJ
ajfti-2387	184	1	pe	pe	PROPN
ajfti-2387	184	2	tit	tit	PROPN
ajfti-2387	184	3	iv	iv	NUM
ajfti-2387	184	4	en	en	ADP
ajfti-2387	184	5	es	es	X
ajfti-2387	184	6	s	s	NOUN
ajfti-2387	184	7	challenges	challenge	NOUN
ajfti-2387	184	8	and	and	CCONJ
ajfti-2387	184	9	adoption	adoption	NOUN
ajfti-2387	184	10	of	of	ADP
ajfti-2387	184	11	digitization	digitization	NOUN
ajfti-2387	184	12	1	1	NUM
ajfti-2387	184	13	.443	.443	NOUN
ajfti-2387	184	14	*	*	NOUN
ajfti-2387	184	15	*	*	PUNCT
ajfti-2387	184	16	.516	.516	NUM
ajfti-2387	184	17	*	*	PUNCT
ajfti-2387	184	18	*	*	NOUN
ajfti-2387	184	19	.717	.717	NOUN
ajfti-2387	184	20	*	*	PUNCT
ajfti-2387	184	21	*	*	PUNCT
ajfti-2387	184	22	.429	.429	NUM
ajfti-2387	184	23	*	*	PUNCT
ajfti-2387	184	24	*	*	PUNCT
ajfti-2387	185	1	250	250	NUM
ajfti-2387	185	2	250	250	NUM
ajfti-2387	185	3	250	250	NUM
ajfti-2387	185	4	250	250	NUM
ajfti-2387	185	5	250	250	NUM
ajfti-2387	185	6	impact	impact	NOUN
ajfti-2387	185	7	of	of	ADP
ajfti-2387	185	8	regulatory	regulatory	ADJ
ajfti-2387	185	9	frameworks	framework	NOUN
ajfti-2387	185	10	.443	.443	NOUN
ajfti-2387	185	11	*	*	PUNCT
ajfti-2387	185	12	*	*	PROPN
ajfti-2387	185	13	1	1	NUM
ajfti-2387	185	14	.270	.270	NUM
ajfti-2387	185	15	*	*	NOUN
ajfti-2387	185	16	*	*	NOUN
ajfti-2387	185	17	.189	.189	NUM
ajfti-2387	185	18	*	*	PUNCT
ajfti-2387	185	19	*	*	PUNCT
ajfti-2387	185	20	.228	.228	NUM
ajfti-2387	185	21	*	*	PUNCT
ajfti-2387	185	22	*	*	PUNCT
ajfti-2387	185	23	sig	sig	X
ajfti-2387	185	24	.	.	PUNCT
ajfti-2387	186	1	(	(	PUNCT
ajfti-2387	186	2	2	2	NUM
ajfti-2387	186	3	-	-	PUNCT
ajfti-2387	186	4	tailed	tailed	ADJ
ajfti-2387	186	5	)	)	PUNCT
ajfti-2387	186	6	.000	.000	NUM
ajfti-2387	186	7	.000	.000	NUM
ajfti-2387	186	8	.003	.003	NUM
ajfti-2387	186	9	.000	.000	NUM
ajfti-2387	186	10	n	n	CCONJ
ajfti-2387	186	11	250	250	NUM
ajfti-2387	186	12	250	250	NUM
ajfti-2387	186	13	250	250	NUM
ajfti-2387	186	14	250	250	NUM
ajfti-2387	186	15	250	250	NUM
ajfti-2387	186	16	security	security	NOUN
ajfti-2387	186	17	challanges	challange	NOUN
ajfti-2387	186	18	for	for	ADP
ajfti-2387	186	19	digitization	digitization	NOUN
ajfti-2387	186	20	.516	.516	NUM
ajfti-2387	186	21	*	*	PUNCT
ajfti-2387	186	22	*	*	PUNCT
ajfti-2387	186	23	.270	.270	NUM
ajfti-2387	186	24	*	*	PROPN
ajfti-2387	186	25	*	*	NOUN
ajfti-2387	186	26	1	1	NUM
ajfti-2387	186	27	.719	.719	NOUN
ajfti-2387	186	28	*	*	NOUN
ajfti-2387	186	29	*	*	NOUN
ajfti-2387	186	30	.811	.811	NUM
ajfti-2387	187	1	*	*	PUNCT
ajfti-2387	187	2	*	*	PUNCT
ajfti-2387	187	3	sig	sig	X
ajfti-2387	187	4	.	.	PUNCT
ajfti-2387	188	1	(	(	PUNCT
ajfti-2387	188	2	2	2	NUM
ajfti-2387	188	3	-	-	PUNCT
ajfti-2387	188	4	tailed	tailed	ADJ
ajfti-2387	188	5	)	)	PUNCT
ajfti-2387	188	6	.000	.000	NUM
ajfti-2387	189	1	.000	.000	NUM
ajfti-2387	189	2	.000	.000	NUM
ajfti-2387	189	3	.000	.000	NUM
ajfti-2387	189	4	n	n	CCONJ
ajfti-2387	189	5	250	250	NUM
ajfti-2387	189	6	250	250	NUM
ajfti-2387	189	7	250	250	NUM
ajfti-2387	189	8	250	250	NUM
ajfti-2387	189	9	250	250	NUM
ajfti-2387	189	10	competitive	competitive	ADJ
ajfti-2387	189	11	rivalry	rivalry	NOUN
ajfti-2387	189	12	and	and	CCONJ
ajfti-2387	189	13	enhanced	enhance	VERB
ajfti-2387	189	14	digital	digital	ADJ
ajfti-2387	189	15	insurance	insurance	NOUN
ajfti-2387	189	16	sector	sector	NOUN
ajfti-2387	189	17	pearson	pearson	NOUN
ajfti-2387	189	18	correlation	correlation	NOUN
ajfti-2387	189	19	.717	.717	NOUN
ajfti-2387	189	20	*	*	NOUN
ajfti-2387	189	21	*	*	NOUN
ajfti-2387	189	22	.189	.189	NUM
ajfti-2387	189	23	*	*	PUNCT
ajfti-2387	189	24	*	*	NOUN
ajfti-2387	189	25	.719	.719	PUNCT
ajfti-2387	189	26	*	*	PUNCT
ajfti-2387	189	27	*	*	NOUN
ajfti-2387	189	28	1	1	NUM
ajfti-2387	189	29	.602	.602	NUM
ajfti-2387	189	30	*	*	PUNCT
ajfti-2387	189	31	*	*	PUNCT
ajfti-2387	189	32	sig	sig	X
ajfti-2387	189	33	.	.	PUNCT
ajfti-2387	190	1	(	(	PUNCT
ajfti-2387	190	2	2	2	NUM
ajfti-2387	190	3	-	-	PUNCT
ajfti-2387	190	4	tailed	tailed	ADJ
ajfti-2387	190	5	)	)	PUNCT
ajfti-2387	190	6	.000	.000	NUM
ajfti-2387	190	7	.003	.003	NUM
ajfti-2387	190	8	.000	.000	NUM
ajfti-2387	190	9	.000	.000	NUM
ajfti-2387	191	1	n	n	DET
ajfti-2387	191	2	250	250	NUM
ajfti-2387	191	3	250	250	NUM
ajfti-2387	191	4	250	250	NUM
ajfti-2387	191	5	250	250	NUM
ajfti-2387	191	6	250	250	NUM
ajfti-2387	191	7	market	market	NOUN
ajfti-2387	191	8	competitiveness	competitiveness	NOUN
ajfti-2387	191	9	pearson	pearson	NOUN
ajfti-2387	191	10	correlation	correlation	NOUN
ajfti-2387	191	11	.429	.429	NUM
ajfti-2387	191	12	*	*	PROPN
ajfti-2387	191	13	*	*	PUNCT
ajfti-2387	191	14	.228	.228	NUM
ajfti-2387	191	15	*	*	PUNCT
ajfti-2387	191	16	*	*	PUNCT
ajfti-2387	191	17	.811	.811	NUM
ajfti-2387	191	18	*	*	PUNCT
ajfti-2387	191	19	*	*	PUNCT
ajfti-2387	191	20	.602	.602	PUNCT
ajfti-2387	191	21	*	*	PUNCT
ajfti-2387	191	22	*	*	PROPN
ajfti-2387	191	23	1	1	NUM
ajfti-2387	191	24	sig	sig	NOUN
ajfti-2387	191	25	.	.	PUNCT
ajfti-2387	192	1	(	(	PUNCT
ajfti-2387	192	2	2	2	NUM
ajfti-2387	192	3	-	-	PUNCT
ajfti-2387	192	4	tailed	tailed	ADJ
ajfti-2387	192	5	)	)	PUNCT
ajfti-2387	192	6	.000	.000	NUM
ajfti-2387	193	1	.000	.000	NUM
ajfti-2387	193	2	.000	.000	NUM
ajfti-2387	193	3	.000	.000	NUM
ajfti-2387	193	4	n	n	CCONJ
ajfti-2387	194	1	250	250	NUM
ajfti-2387	194	2	250	250	NUM
ajfti-2387	194	3	250	250	NUM
ajfti-2387	194	4	250	250	NUM
ajfti-2387	194	5	250	250	NUM
ajfti-2387	194	6	*	*	PUNCT
ajfti-2387	194	7	*	*	PUNCT
ajfti-2387	194	8	correlation	correlation	NOUN
ajfti-2387	194	9	is	be	AUX
ajfti-2387	194	10	significant	significant	ADJ
ajfti-2387	194	11	at	at	ADP
ajfti-2387	194	12	the	the	DET
ajfti-2387	194	13	0.01	0.01	NUM
ajfti-2387	194	14	level	level	NOUN
ajfti-2387	194	15	(	(	PUNCT
ajfti-2387	194	16	2	2	NUM
ajfti-2387	194	17	-	-	PUNCT
ajfti-2387	194	18	tailed	tailed	ADJ
ajfti-2387	194	19	)	)	PUNCT
ajfti-2387	194	20	.	.	PUNCT
ajfti-2387	195	1	model	model	PROPN
ajfti-2387	195	2	fit	fit	VERB
ajfti-2387	195	3	the	the	DET
ajfti-2387	195	4	model	model	NOUN
ajfti-2387	195	5	demonstrates	demonstrate	VERB
ajfti-2387	195	6	a	a	DET
ajfti-2387	195	7	good	good	ADJ
ajfti-2387	195	8	fit	fit	NOUN
ajfti-2387	195	9	,	,	PUNCT
ajfti-2387	195	10	with	with	ADP
ajfti-2387	195	11	a	a	DET
ajfti-2387	195	12	substantial	substantial	ADJ
ajfti-2387	195	13	r	r	NOUN
ajfti-2387	195	14	-	-	PUNCT
ajfti-2387	195	15	square	square	ADJ
ajfti-2387	195	16	value	value	NOUN
ajfti-2387	195	17	of	of	ADP
ajfti-2387	195	18	0.617	0.617	NUM
ajfti-2387	195	19	,	,	PUNCT
ajfti-2387	195	20	indicating	indicate	VERB
ajfti-2387	195	21	that	that	SCONJ
ajfti-2387	195	22	approximately	approximately	ADV
ajfti-2387	195	23	61.7	61.7	NUM
ajfti-2387	195	24	%	%	NOUN
ajfti-2387	195	25	of	of	ADP
ajfti-2387	195	26	the	the	DET
ajfti-2387	195	27	variance	variance	NOUN
ajfti-2387	195	28	in	in	ADP
ajfti-2387	195	29	challenges	challenge	NOUN
ajfti-2387	195	30	and	and	CCONJ
ajfti-2387	195	31	adoption	adoption	NOUN
ajfti-2387	195	32	of	of	ADP
ajfti-2387	195	33	digitization	digitization	NOUN
ajfti-2387	195	34	is	be	AUX
ajfti-2387	195	35	explained	explain	VERB
ajfti-2387	195	36	by	by	ADP
ajfti-2387	195	37	the	the	DET
ajfti-2387	195	38	included	include	VERB
ajfti-2387	195	39	predictors	predictor	NOUN
ajfti-2387	195	40	,	,	PUNCT
ajfti-2387	195	41	as	as	SCONJ
ajfti-2387	195	42	presented	present	VERB
ajfti-2387	195	43	in	in	ADP
ajfti-2387	195	44	tables	table	NOUN
ajfti-2387	195	45	2,3	2,3	NUM
ajfti-2387	195	46	and	and	CCONJ
ajfti-2387	195	47	4	4	NUM
ajfti-2387	195	48	.	.	PUNCT
ajfti-2387	196	1	the	the	DET
ajfti-2387	196	2	anova	anova	PROPN
ajfti-2387	196	3	results	result	NOUN
ajfti-2387	196	4	are	be	AUX
ajfti-2387	196	5	pa	pa	PROPN
ajfti-2387	196	6	ge	ge	PROPN
ajfti-2387	196	7	52	52	NUM
ajfti-2387	196	8	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2387	196	9	am	be	AUX
ajfti-2387	196	10	.	.	PUNCT
ajfti-2387	197	1	j.	j.	PROPN
ajfti-2387	197	2	financ	financ	PROPN
ajfti-2387	197	3	.	.	PUNCT
ajfti-2387	198	1	technol	technol	PROPN
ajfti-2387	198	2	.	.	PUNCT
ajfti-2387	198	3	innov	innov	PROPN
ajfti-2387	198	4	.	.	PUNCT
ajfti-2387	199	1	2(1	2(1	NUM
ajfti-2387	199	2	)	)	PUNCT
ajfti-2387	199	3	44	44	NUM
ajfti-2387	199	4	-	-	SYM
ajfti-2387	199	5	56	56	NUM
ajfti-2387	199	6	,	,	PUNCT
ajfti-2387	199	7	2024	2024	NUM
ajfti-2387	199	8	highly	highly	ADV
ajfti-2387	199	9	significant	significant	ADJ
ajfti-2387	199	10	(	(	PUNCT
ajfti-2387	199	11	p	p	X
ajfti-2387	199	12	<	<	X
ajfti-2387	199	13	0.001	0.001	NUM
ajfti-2387	199	14	)	)	PUNCT
ajfti-2387	199	15	,	,	PUNCT
ajfti-2387	199	16	suggesting	suggest	VERB
ajfti-2387	199	17	that	that	SCONJ
ajfti-2387	199	18	the	the	DET
ajfti-2387	199	19	model	model	NOUN
ajfti-2387	199	20	is	be	AUX
ajfti-2387	199	21	a	a	DET
ajfti-2387	199	22	meaningful	meaningful	ADJ
ajfti-2387	199	23	improvement	improvement	NOUN
ajfti-2387	199	24	over	over	ADP
ajfti-2387	199	25	the	the	DET
ajfti-2387	199	26	null	null	ADJ
ajfti-2387	199	27	model	model	NOUN
ajfti-2387	199	28	.	.	PUNCT
ajfti-2387	200	1	the	the	DET
ajfti-2387	200	2	reliability	reliability	NOUN
ajfti-2387	200	3	statistics	statistic	NOUN
ajfti-2387	200	4	reveal	reveal	VERB
ajfti-2387	200	5	a	a	DET
ajfti-2387	200	6	cronbach	cronbach	NOUN
ajfti-2387	200	7	’s	’s	PART
ajfti-2387	200	8	alpha	alpha	NOUN
ajfti-2387	200	9	of	of	ADP
ajfti-2387	200	10	0.823	0.823	NUM
ajfti-2387	200	11	,	,	PUNCT
ajfti-2387	200	12	indicating	indicate	VERB
ajfti-2387	200	13	a	a	DET
ajfti-2387	200	14	high	high	ADJ
ajfti-2387	200	15	level	level	NOUN
ajfti-2387	200	16	of	of	ADP
ajfti-2387	200	17	internal	internal	ADJ
ajfti-2387	200	18	consistency	consistency	NOUN
ajfti-2387	200	19	among	among	ADP
ajfti-2387	200	20	the	the	DET
ajfti-2387	200	21	20	20	NUM
ajfti-2387	200	22	items	item	NOUN
ajfti-2387	200	23	,	,	PUNCT
ajfti-2387	200	24	enhancing	enhance	VERB
ajfti-2387	200	25	the	the	DET
ajfti-2387	200	26	overall	overall	ADJ
ajfti-2387	200	27	reliability	reliability	NOUN
ajfti-2387	200	28	of	of	ADP
ajfti-2387	200	29	the	the	DET
ajfti-2387	200	30	model	model	NOUN
ajfti-2387	200	31	.	.	PUNCT
ajfti-2387	201	1	table	table	NOUN
ajfti-2387	201	2	2	2	NUM
ajfti-2387	201	3	:	:	PUNCT
ajfti-2387	201	4	reliability	reliability	NOUN
ajfti-2387	201	5	model	model	NOUN
ajfti-2387	201	6	variables	variable	NOUN
ajfti-2387	201	7	entered	enter	VERB
ajfti-2387	201	8	variables	variable	NOUN
ajfti-2387	201	9	removed	remove	VERB
ajfti-2387	201	10	method	method	NOUN
ajfti-2387	201	11	1	1	NUM
ajfti-2387	201	12	market	market	NOUN
ajfti-2387	201	13	competitiveness	competitiveness	NOUN
ajfti-2387	201	14	,	,	PUNCT
ajfti-2387	201	15	impact	impact	NOUN
ajfti-2387	201	16	of	of	ADP
ajfti-2387	201	17	regulatory	regulatory	ADJ
ajfti-2387	201	18	frameworks	framework	NOUN
ajfti-2387	201	19	,	,	PUNCT
ajfti-2387	201	20	competitive	competitive	ADJ
ajfti-2387	201	21	rivalry	rivalry	NOUN
ajfti-2387	201	22	and	and	CCONJ
ajfti-2387	201	23	enhanced	enhance	VERB
ajfti-2387	201	24	digital	digital	ADJ
ajfti-2387	201	25	insurance	insurance	NOUN
ajfti-2387	201	26	sector	sector	NOUN
ajfti-2387	201	27	,	,	PUNCT
ajfti-2387	201	28	security	security	NOUN
ajfti-2387	201	29	challanges	challange	NOUN
ajfti-2387	201	30	for	for	ADP
ajfti-2387	201	31	digitizationb	digitizationb	ADJ
ajfti-2387	201	32	.	.	PUNCT
ajfti-2387	202	1	enter	enter	VERB
ajfti-2387	202	2	a.	a.	NOUN
ajfti-2387	202	3	dependent	dependent	ADJ
ajfti-2387	202	4	variable	variable	NOUN
ajfti-2387	202	5	:	:	PUNCT
ajfti-2387	202	6	challenges	challenge	NOUN
ajfti-2387	202	7	and	and	CCONJ
ajfti-2387	202	8	adoption	adoption	NOUN
ajfti-2387	202	9	of	of	ADP
ajfti-2387	202	10	digitization	digitization	NOUN
ajfti-2387	202	11	b.	b.	PROPN
ajfti-2387	203	1	all	all	PRON
ajfti-2387	203	2	requested	request	VERB
ajfti-2387	203	3	variables	variable	NOUN
ajfti-2387	203	4	entered	enter	VERB
ajfti-2387	203	5	.	.	PUNCT
ajfti-2387	204	1	table	table	NOUN
ajfti-2387	204	2	3	3	NUM
ajfti-2387	204	3	:	:	PUNCT
ajfti-2387	204	4	model	model	NOUN
ajfti-2387	204	5	summary	summary	NOUN
ajfti-2387	204	6	model	model	NOUN
ajfti-2387	204	7	r	r	PROPN
ajfti-2387	204	8	r	r	NOUN
ajfti-2387	204	9	square	square	ADJ
ajfti-2387	204	10	adjusted	adjust	VERB
ajfti-2387	204	11	r	r	NOUN
ajfti-2387	204	12	square	square	ADJ
ajfti-2387	204	13	std	std	NOUN
ajfti-2387	204	14	.	.	PUNCT
ajfti-2387	205	1	error	error	NOUN
ajfti-2387	205	2	of	of	ADP
ajfti-2387	205	3	the	the	DET
ajfti-2387	205	4	estimate	estimate	NOUN
ajfti-2387	205	5	change	change	NOUN
ajfti-2387	205	6	statistics	statistic	NOUN
ajfti-2387	205	7	r	r	NOUN
ajfti-2387	205	8	square	square	ADJ
ajfti-2387	205	9	change	change	NOUN
ajfti-2387	205	10	f	f	PROPN
ajfti-2387	205	11	change	change	NOUN
ajfti-2387	205	12	df1	df1	PROPN
ajfti-2387	205	13	df2	df2	PROPN
ajfti-2387	205	14	sig	sig	PROPN
ajfti-2387	205	15	.	.	PUNCT
ajfti-2387	206	1	f	f	PROPN
ajfti-2387	206	2	change	change	VERB
ajfti-2387	206	3	1	1	NUM
ajfti-2387	206	4	.785a	.785a	PROPN
ajfti-2387	206	5	.617	.617	NUM
ajfti-2387	206	6	.610	.610	NUM
ajfti-2387	206	7	.448	.448	NUM
ajfti-2387	206	8	.617	.617	NUM
ajfti-2387	206	9	98.496	98.496	NUM
ajfti-2387	206	10	4	4	NUM
ajfti-2387	206	11	245	245	NUM
ajfti-2387	206	12	.000	.000	NUM
ajfti-2387	206	13	a.	a.	NOUN
ajfti-2387	206	14	predictors	predictor	NOUN
ajfti-2387	206	15	:	:	PUNCT
ajfti-2387	206	16	(	(	PUNCT
ajfti-2387	206	17	constant	constant	ADJ
ajfti-2387	206	18	)	)	PUNCT
ajfti-2387	206	19	,	,	PUNCT
ajfti-2387	206	20	market	market	NOUN
ajfti-2387	206	21	competitiveness	competitiveness	NOUN
ajfti-2387	206	22	,	,	PUNCT
ajfti-2387	206	23	impact	impact	NOUN
ajfti-2387	206	24	of	of	ADP
ajfti-2387	206	25	regulatory	regulatory	ADJ
ajfti-2387	206	26	frameworks	framework	NOUN
ajfti-2387	206	27	,	,	PUNCT
ajfti-2387	206	28	competitive	competitive	ADJ
ajfti-2387	206	29	rivalry	rivalry	NOUN
ajfti-2387	206	30	and	and	CCONJ
ajfti-2387	206	31	enhanced	enhance	VERB
ajfti-2387	206	32	digital	digital	ADJ
ajfti-2387	206	33	insurance	insurance	NOUN
ajfti-2387	206	34	sector	sector	NOUN
ajfti-2387	206	35	,	,	PUNCT
ajfti-2387	206	36	security	security	NOUN
ajfti-2387	206	37	challanges	challange	NOUN
ajfti-2387	206	38	for	for	ADP
ajfti-2387	206	39	digitization	digitization	NOUN
ajfti-2387	206	40	table	table	NOUN
ajfti-2387	206	41	4	4	NUM
ajfti-2387	206	42	:	:	PUNCT
ajfti-2387	206	43	anovaa	anovaa	PROPN
ajfti-2387	206	44	model	model	PROPN
ajfti-2387	206	45	sum	sum	NOUN
ajfti-2387	206	46	of	of	ADP
ajfti-2387	206	47	squares	square	NOUN
ajfti-2387	206	48	df	df	PROPN
ajfti-2387	206	49	mean	mean	PROPN
ajfti-2387	206	50	square	square	PROPN
ajfti-2387	206	51	f	f	PROPN
ajfti-2387	206	52	sig	sig	PROPN
ajfti-2387	206	53	.	.	PROPN
ajfti-2387	206	54	1	1	NUM
ajfti-2387	206	55	regression	regression	NOUN
ajfti-2387	206	56	79.214	79.214	NUM
ajfti-2387	206	57	4	4	NUM
ajfti-2387	206	58	19.804	19.804	NUM
ajfti-2387	206	59	98.496	98.496	NUM
ajfti-2387	206	60	.000b	.000b	PROPN
ajfti-2387	206	61	residual	residual	ADJ
ajfti-2387	206	62	49.260	49.260	NUM
ajfti-2387	206	63	245	245	NUM
ajfti-2387	206	64	.201	.201	NUM
ajfti-2387	206	65	total	total	ADJ
ajfti-2387	206	66	128.474	128.474	NUM
ajfti-2387	206	67	249	249	NUM
ajfti-2387	206	68	a.	a.	NOUN
ajfti-2387	206	69	dependent	dependent	ADJ
ajfti-2387	206	70	variable	variable	NOUN
ajfti-2387	206	71	:	:	PUNCT
ajfti-2387	206	72	challenges	challenge	NOUN
ajfti-2387	206	73	and	and	CCONJ
ajfti-2387	206	74	adoption	adoption	NOUN
ajfti-2387	206	75	of	of	ADP
ajfti-2387	206	76	digitization	digitization	NOUN
ajfti-2387	206	77	b.	b.	PROPN
ajfti-2387	206	78	predictors	predictor	NOUN
ajfti-2387	206	79	:	:	PUNCT
ajfti-2387	206	80	(	(	PUNCT
ajfti-2387	206	81	constant	constant	ADJ
ajfti-2387	206	82	)	)	PUNCT
ajfti-2387	206	83	,	,	PUNCT
ajfti-2387	206	84	market	market	NOUN
ajfti-2387	206	85	competitiveness	competitiveness	NOUN
ajfti-2387	206	86	,	,	PUNCT
ajfti-2387	206	87	impact	impact	NOUN
ajfti-2387	206	88	of	of	ADP
ajfti-2387	206	89	regulatory	regulatory	ADJ
ajfti-2387	206	90	frameworks	framework	NOUN
ajfti-2387	206	91	,	,	PUNCT
ajfti-2387	206	92	competitive	competitive	ADJ
ajfti-2387	206	93	rivalry	rivalry	NOUN
ajfti-2387	206	94	and	and	CCONJ
ajfti-2387	206	95	enhanced	enhance	VERB
ajfti-2387	206	96	digital	digital	ADJ
ajfti-2387	206	97	insurance	insurance	NOUN
ajfti-2387	206	98	sector	sector	NOUN
ajfti-2387	206	99	,	,	PUNCT
ajfti-2387	206	100	security	security	NOUN
ajfti-2387	206	101	challanges	challange	NOUN
ajfti-2387	206	102	for	for	ADP
ajfti-2387	206	103	digitization	digitization	NOUN
ajfti-2387	206	104	regression	regression	NOUN
ajfti-2387	206	105	analysis	analysis	NOUN
ajfti-2387	206	106	the	the	DET
ajfti-2387	206	107	regression	regression	NOUN
ajfti-2387	206	108	analysis	analysis	NOUN
ajfti-2387	206	109	is	be	AUX
ajfti-2387	206	110	in	in	ADP
ajfti-2387	206	111	table	table	NOUN
ajfti-2387	206	112	5	5	NUM
ajfti-2387	206	113	.	.	PUNCT
ajfti-2387	206	114	indicates	indicate	VERB
ajfti-2387	206	115	that	that	SCONJ
ajfti-2387	206	116	the	the	DET
ajfti-2387	206	117	model	model	NOUN
ajfti-2387	206	118	is	be	AUX
ajfti-2387	206	119	statistically	statistically	ADV
ajfti-2387	206	120	significant	significant	ADJ
ajfti-2387	206	121	(	(	PUNCT
ajfti-2387	206	122	f(4	f(4	PROPN
ajfti-2387	206	123	,	,	PUNCT
ajfti-2387	206	124	245	245	NUM
ajfti-2387	206	125	)	)	PUNCT
ajfti-2387	206	126	=	=	SYM
ajfti-2387	206	127	98.496	98.496	NUM
ajfti-2387	206	128	,	,	PUNCT
ajfti-2387	206	129	p	p	X
ajfti-2387	206	130	<	<	X
ajfti-2387	206	131	0.001	0.001	NUM
ajfti-2387	206	132	)	)	PUNCT
ajfti-2387	206	133	,	,	PUNCT
ajfti-2387	206	134	suggesting	suggest	VERB
ajfti-2387	206	135	that	that	SCONJ
ajfti-2387	206	136	the	the	DET
ajfti-2387	206	137	included	include	VERB
ajfti-2387	206	138	predictors	predictor	NOUN
ajfti-2387	206	139	collectively	collectively	ADV
ajfti-2387	206	140	contribute	contribute	VERB
ajfti-2387	206	141	to	to	ADP
ajfti-2387	206	142	explaining	explain	VERB
ajfti-2387	206	143	the	the	DET
ajfti-2387	206	144	variance	variance	NOUN
ajfti-2387	206	145	in	in	ADP
ajfti-2387	206	146	challenges	challenge	NOUN
ajfti-2387	206	147	and	and	CCONJ
ajfti-2387	206	148	adoption	adoption	NOUN
ajfti-2387	206	149	of	of	ADP
ajfti-2387	206	150	digitization	digitization	NOUN
ajfti-2387	206	151	.	.	PUNCT
ajfti-2387	207	1	among	among	ADP
ajfti-2387	207	2	the	the	DET
ajfti-2387	207	3	predictors	predictor	NOUN
ajfti-2387	207	4	,	,	PUNCT
ajfti-2387	207	5	“	"	PUNCT
ajfti-2387	207	6	competitive	competitive	ADJ
ajfti-2387	207	7	rivalry	rivalry	NOUN
ajfti-2387	207	8	and	and	CCONJ
ajfti-2387	207	9	enhanced	enhance	VERB
ajfti-2387	207	10	digital	digital	ADJ
ajfti-2387	207	11	insurance	insurance	NOUN
ajfti-2387	207	12	sector	sector	NOUN
ajfti-2387	207	13	”	"	PUNCT
ajfti-2387	207	14	has	have	VERB
ajfti-2387	207	15	the	the	DET
ajfti-2387	207	16	most	most	ADV
ajfti-2387	207	17	substantial	substantial	ADJ
ajfti-2387	207	18	impact	impact	NOUN
ajfti-2387	207	19	(	(	PUNCT
ajfti-2387	207	20	beta	beta	NOUN
ajfti-2387	207	21	=	=	NOUN
ajfti-2387	207	22	0.721	0.721	NUM
ajfti-2387	207	23	,	,	PUNCT
ajfti-2387	207	24	p	p	X
ajfti-2387	207	25	<	<	X
ajfti-2387	207	26	0.001	0.001	NUM
ajfti-2387	207	27	)	)	PUNCT
ajfti-2387	207	28	,	,	PUNCT
ajfti-2387	207	29	followed	follow	VERB
ajfti-2387	207	30	by	by	ADP
ajfti-2387	207	31	“	"	PUNCT
ajfti-2387	207	32	impact	impact	NOUN
ajfti-2387	207	33	of	of	ADP
ajfti-2387	207	34	regulatory	regulatory	ADJ
ajfti-2387	207	35	frameworks	framework	NOUN
ajfti-2387	207	36	”	"	PUNCT
ajfti-2387	207	37	(	(	PUNCT
ajfti-2387	207	38	beta	beta	NOUN
ajfti-2387	207	39	=	=	NOUN
ajfti-2387	207	40	0.331	0.331	NUM
ajfti-2387	207	41	,	,	PUNCT
ajfti-2387	207	42	p	p	X
ajfti-2387	207	43	<	<	X
ajfti-2387	207	44	0.001	0.001	NUM
ajfti-2387	207	45	)	)	PUNCT
ajfti-2387	207	46	.	.	PUNCT
ajfti-2387	208	1	however	however	ADV
ajfti-2387	208	2	,	,	PUNCT
ajfti-2387	208	3	“	"	PUNCT
ajfti-2387	208	4	security	security	NOUN
ajfti-2387	208	5	challenges	challenge	NOUN
ajfti-2387	208	6	for	for	ADP
ajfti-2387	208	7	digitization	digitization	NOUN
ajfti-2387	208	8	”	"	PUNCT
ajfti-2387	208	9	and	and	CCONJ
ajfti-2387	208	10	“	"	PUNCT
ajfti-2387	208	11	market	market	NOUN
ajfti-2387	208	12	competitiveness	competitiveness	NOUN
ajfti-2387	208	13	”	"	PUNCT
ajfti-2387	208	14	do	do	AUX
ajfti-2387	208	15	not	not	PART
ajfti-2387	208	16	significantly	significantly	ADV
ajfti-2387	208	17	contribute	contribute	VERB
ajfti-2387	208	18	.	.	PUNCT
ajfti-2387	209	1	the	the	DET
ajfti-2387	209	2	constant	constant	ADJ
ajfti-2387	209	3	term	term	NOUN
ajfti-2387	209	4	is	be	AUX
ajfti-2387	209	5	not	not	PART
ajfti-2387	209	6	significant	significant	ADJ
ajfti-2387	209	7	(	(	PUNCT
ajfti-2387	209	8	p	p	X
ajfti-2387	209	9	=	=	NOUN
ajfti-2387	209	10	0.090	0.090	NUM
ajfti-2387	209	11	)	)	PUNCT
ajfti-2387	209	12	.	.	PUNCT
ajfti-2387	210	1	overall	overall	ADV
ajfti-2387	210	2	,	,	PUNCT
ajfti-2387	210	3	the	the	DET
ajfti-2387	210	4	model	model	NOUN
ajfti-2387	210	5	underscores	underscore	VERB
ajfti-2387	210	6	the	the	DET
ajfti-2387	210	7	importance	importance	NOUN
ajfti-2387	210	8	of	of	ADP
ajfti-2387	210	9	competitive	competitive	ADJ
ajfti-2387	210	10	dynamics	dynamic	NOUN
ajfti-2387	210	11	and	and	CCONJ
ajfti-2387	210	12	regulatory	regulatory	ADJ
ajfti-2387	210	13	influence	influence	NOUN
ajfti-2387	210	14	in	in	ADP
ajfti-2387	210	15	shaping	shape	VERB
ajfti-2387	210	16	digitization	digitization	NOUN
ajfti-2387	210	17	challenges	challenge	NOUN
ajfti-2387	210	18	in	in	ADP
ajfti-2387	210	19	the	the	DET
ajfti-2387	210	20	insurance	insurance	NOUN
ajfti-2387	210	21	sector	sector	NOUN
ajfti-2387	210	22	.	.	PUNCT
ajfti-2387	211	1	table	table	NOUN
ajfti-2387	211	2	5	5	NUM
ajfti-2387	211	3	:	:	PUNCT
ajfti-2387	211	4	coefficientsa	coefficientsa	NOUN
ajfti-2387	211	5	model	model	VERB
ajfti-2387	211	6	unstandardized	unstandardized	ADJ
ajfti-2387	211	7	coefficients	coefficient	NOUN
ajfti-2387	211	8	standardized	standardize	VERB
ajfti-2387	211	9	coefficients	coefficient	NOUN
ajfti-2387	211	10	t	t	PROPN
ajfti-2387	211	11	sig	sig	PROPN
ajfti-2387	211	12	.	.	PUNCT
ajfti-2387	212	1	b	b	X
ajfti-2387	212	2	std	std	PROPN
ajfti-2387	212	3	.	.	NOUN
ajfti-2387	212	4	error	error	NOUN
ajfti-2387	212	5	beta	beta	NOUN
ajfti-2387	212	6	1	1	NUM
ajfti-2387	212	7	(	(	PUNCT
ajfti-2387	212	8	constant	constant	ADJ
ajfti-2387	212	9	)	)	PUNCT
ajfti-2387	212	10	-.254	-.254	NOUN
ajfti-2387	212	11	.149	.149	NUM
ajfti-2387	212	12	-1.701	-1.701	X
ajfti-2387	212	13	.090	.090	NUM
ajfti-2387	212	14	impact	impact	NOUN
ajfti-2387	212	15	of	of	ADP
ajfti-2387	212	16	regulatory	regulatory	ADJ
ajfti-2387	212	17	frameworks	framework	NOUN
ajfti-2387	212	18	.474	.474	NUM
ajfti-2387	212	19	.059	.059	NUM
ajfti-2387	212	20	.331	.331	NUM
ajfti-2387	212	21	8.064	8.064	NUM
ajfti-2387	212	22	.000	.000	NUM
ajfti-2387	212	23	security	security	NOUN
ajfti-2387	212	24	challanges	challange	NOUN
ajfti-2387	212	25	for	for	ADP
ajfti-2387	212	26	digitization	digitization	NOUN
ajfti-2387	212	27	-.068	-.068	ADP
ajfti-2387	212	28	.073	.073	NUM
ajfti-2387	213	1	-.074	-.074	PROPN
ajfti-2387	213	2	-.942	-.942	NOUN
ajfti-2387	213	3	.347	.347	NUM
ajfti-2387	213	4	competitive	competitive	ADJ
ajfti-2387	213	5	rivalry	rivalry	NOUN
ajfti-2387	213	6	and	and	CCONJ
ajfti-2387	213	7	enhanced	enhance	VERB
ajfti-2387	213	8	digital	digital	ADJ
ajfti-2387	213	9	insurance	insurance	NOUN
ajfti-2387	213	10	sector	sector	NOUN
ajfti-2387	213	11	.651	.651	NUM
ajfti-2387	213	12	.051	.051	NUM
ajfti-2387	213	13	.721	.721	NUM
ajfti-2387	213	14	12.653	12.653	NUM
ajfti-2387	213	15	.000	.000	NUM
ajfti-2387	213	16	market	market	NOUN
ajfti-2387	213	17	competitiveness	competitiveness	NOUN
ajfti-2387	213	18	-.023	-.023	PROPN
ajfti-2387	213	19	.073	.073	NUM
ajfti-2387	214	1	-.021	-.021	NUM
ajfti-2387	214	2	-.314	-.314	PROPN
ajfti-2387	214	3	.754	.754	NUM
ajfti-2387	214	4	a.	a.	NOUN
ajfti-2387	214	5	dependent	dependent	ADJ
ajfti-2387	214	6	variable	variable	NOUN
ajfti-2387	214	7	:	:	PUNCT
ajfti-2387	214	8	challenges_and_adoption_of_digitization	challenges_and_adoption_of_digitization	NOUN
ajfti-2387	214	9	discussion	discussion	NOUN
ajfti-2387	214	10	the	the	DET
ajfti-2387	214	11	study	study	NOUN
ajfti-2387	214	12	’s	’s	PART
ajfti-2387	214	13	conceptual	conceptual	ADJ
ajfti-2387	214	14	framework	framework	NOUN
ajfti-2387	214	15	,	,	PUNCT
ajfti-2387	214	16	grounded	ground	VERB
ajfti-2387	214	17	in	in	ADP
ajfti-2387	214	18	established	establish	VERB
ajfti-2387	214	19	theories	theory	NOUN
ajfti-2387	214	20	,	,	PUNCT
ajfti-2387	214	21	provides	provide	VERB
ajfti-2387	214	22	a	a	DET
ajfti-2387	214	23	robust	robust	ADJ
ajfti-2387	214	24	foundation	foundation	NOUN
ajfti-2387	214	25	for	for	ADP
ajfti-2387	214	26	exploring	explore	VERB
ajfti-2387	214	27	the	the	DET
ajfti-2387	214	28	complexities	complexity	NOUN
ajfti-2387	214	29	of	of	ADP
ajfti-2387	214	30	the	the	DET
ajfti-2387	214	31	digital	digital	ADJ
ajfti-2387	214	32	insurance	insurance	NOUN
ajfti-2387	214	33	sector	sector	NOUN
ajfti-2387	214	34	in	in	ADP
ajfti-2387	214	35	qatar	qatar	PROPN
ajfti-2387	214	36	.	.	PUNCT
ajfti-2387	215	1	drawing	draw	VERB
ajfti-2387	215	2	on	on	ADP
ajfti-2387	215	3	technological	technological	ADJ
ajfti-2387	215	4	acceptance	acceptance	NOUN
ajfti-2387	215	5	and	and	CCONJ
ajfti-2387	215	6	innovation	innovation	NOUN
ajfti-2387	215	7	adoption	adoption	NOUN
ajfti-2387	215	8	theories	theory	NOUN
ajfti-2387	215	9	,	,	PUNCT
ajfti-2387	215	10	the	the	DET
ajfti-2387	215	11	framework	framework	NOUN
ajfti-2387	215	12	illuminates	illuminate	VERB
ajfti-2387	215	13	how	how	SCONJ
ajfti-2387	215	14	customers	customer	NOUN
ajfti-2387	215	15	and	and	CCONJ
ajfti-2387	215	16	insurers	insurer	NOUN
ajfti-2387	215	17	embrace	embrace	VERB
ajfti-2387	215	18	digital	digital	ADJ
ajfti-2387	215	19	technology	technology	NOUN
ajfti-2387	215	20	,	,	PUNCT
ajfti-2387	215	21	emphasizing	emphasize	VERB
ajfti-2387	215	22	strategic	strategic	ADJ
ajfti-2387	215	23	innovation	innovation	NOUN
ajfti-2387	215	24	opportunities	opportunity	NOUN
ajfti-2387	215	25	and	and	CCONJ
ajfti-2387	215	26	pa	pa	PROPN
ajfti-2387	215	27	ge	ge	PROPN
ajfti-2387	215	28	53	53	NUM
ajfti-2387	215	29	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2387	215	30	am	be	AUX
ajfti-2387	215	31	.	.	PUNCT
ajfti-2387	216	1	j.	j.	PROPN
ajfti-2387	216	2	financ	financ	PROPN
ajfti-2387	216	3	.	.	PUNCT
ajfti-2387	217	1	technol	technol	PROPN
ajfti-2387	217	2	.	.	PUNCT
ajfti-2387	217	3	innov	innov	PROPN
ajfti-2387	217	4	.	.	PUNCT
ajfti-2387	218	1	2(1	2(1	NUM
ajfti-2387	218	2	)	)	PUNCT
ajfti-2387	218	3	44	44	NUM
ajfti-2387	218	4	-	-	SYM
ajfti-2387	218	5	56	56	NUM
ajfti-2387	218	6	,	,	PUNCT
ajfti-2387	218	7	2024	2024	NUM
ajfti-2387	218	8	addressing	address	VERB
ajfti-2387	218	9	resistance	resistance	NOUN
ajfti-2387	218	10	factors	factor	NOUN
ajfti-2387	218	11	(	(	PUNCT
ajfti-2387	218	12	schilling	schilling	NOUN
ajfti-2387	218	13	,	,	PUNCT
ajfti-2387	218	14	2013	2013	NUM
ajfti-2387	218	15	)	)	PUNCT
ajfti-2387	218	16	.	.	PUNCT
ajfti-2387	219	1	regulatory	regulatory	ADJ
ajfti-2387	219	2	environment	environment	NOUN
ajfti-2387	219	3	and	and	CCONJ
ajfti-2387	219	4	compliance	compliance	NOUN
ajfti-2387	219	5	variables	variable	NOUN
ajfti-2387	219	6	are	be	AUX
ajfti-2387	219	7	integrated	integrate	VERB
ajfti-2387	219	8	to	to	PART
ajfti-2387	219	9	comprehend	comprehend	VERB
ajfti-2387	219	10	the	the	DET
ajfti-2387	219	11	impact	impact	NOUN
ajfti-2387	219	12	of	of	ADP
ajfti-2387	219	13	regulatory	regulatory	ADJ
ajfti-2387	219	14	frameworks	framework	NOUN
ajfti-2387	219	15	on	on	ADP
ajfti-2387	219	16	industry	industry	NOUN
ajfti-2387	219	17	practices	practice	NOUN
ajfti-2387	219	18	,	,	PUNCT
ajfti-2387	219	19	allowing	allow	VERB
ajfti-2387	219	20	insurers	insurer	NOUN
ajfti-2387	219	21	to	to	PART
ajfti-2387	219	22	conform	conform	VERB
ajfti-2387	219	23	to	to	ADP
ajfti-2387	219	24	changes	change	NOUN
ajfti-2387	219	25	proactively	proactively	ADV
ajfti-2387	219	26	(	(	PUNCT
ajfti-2387	219	27	grima	grima	PROPN
ajfti-2387	219	28	et	et	PROPN
ajfti-2387	219	29	al	al	PROPN
ajfti-2387	219	30	.	.	PROPN
ajfti-2387	219	31	,	,	PUNCT
ajfti-2387	219	32	2020	2020	NUM
ajfti-2387	219	33	)	)	PUNCT
ajfti-2387	219	34	.	.	PUNCT
ajfti-2387	220	1	cybersecurity	cybersecurity	NOUN
ajfti-2387	220	2	and	and	CCONJ
ajfti-2387	220	3	ethical	ethical	ADJ
ajfti-2387	220	4	considerations	consideration	NOUN
ajfti-2387	220	5	,	,	PUNCT
ajfti-2387	220	6	informed	inform	VERB
ajfti-2387	220	7	by	by	ADP
ajfti-2387	220	8	the	the	DET
ajfti-2387	220	9	technology	technology	NOUN
ajfti-2387	220	10	,	,	PUNCT
ajfti-2387	220	11	organization	organization	NOUN
ajfti-2387	220	12	,	,	PUNCT
ajfti-2387	220	13	and	and	CCONJ
ajfti-2387	220	14	environment	environment	NOUN
ajfti-2387	220	15	(	(	PUNCT
ajfti-2387	220	16	toe	toe	NOUN
ajfti-2387	220	17	)	)	PUNCT
ajfti-2387	220	18	framework	framework	NOUN
ajfti-2387	220	19	,	,	PUNCT
ajfti-2387	220	20	tackle	tackle	NOUN
ajfti-2387	220	21	data	data	NOUN
ajfti-2387	220	22	privacy	privacy	NOUN
ajfti-2387	220	23	and	and	CCONJ
ajfti-2387	220	24	ethical	ethical	ADJ
ajfti-2387	220	25	digital	digital	ADJ
ajfti-2387	220	26	behavior	behavior	NOUN
ajfti-2387	220	27	,	,	PUNCT
ajfti-2387	220	28	which	which	PRON
ajfti-2387	220	29	is	be	AUX
ajfti-2387	220	30	essential	essential	ADJ
ajfti-2387	220	31	for	for	ADP
ajfti-2387	220	32	sustainable	sustainable	ADJ
ajfti-2387	220	33	growth	growth	NOUN
ajfti-2387	220	34	(	(	PUNCT
ajfti-2387	220	35	ullah	ullah	PROPN
ajfti-2387	220	36	et	et	PROPN
ajfti-2387	220	37	al	al	PROPN
ajfti-2387	220	38	.	.	PROPN
ajfti-2387	220	39	,	,	PUNCT
ajfti-2387	220	40	2021	2021	NUM
ajfti-2387	220	41	)	)	PUNCT
ajfti-2387	220	42	.	.	PUNCT
ajfti-2387	221	1	market	market	NOUN
ajfti-2387	221	2	dynamics	dynamic	NOUN
ajfti-2387	221	3	and	and	CCONJ
ajfti-2387	221	4	competitive	competitive	ADJ
ajfti-2387	221	5	strategies	strategy	NOUN
ajfti-2387	221	6	are	be	AUX
ajfti-2387	221	7	incorporated	incorporate	VERB
ajfti-2387	221	8	into	into	ADP
ajfti-2387	221	9	the	the	DET
ajfti-2387	221	10	survey	survey	NOUN
ajfti-2387	221	11	to	to	PART
ajfti-2387	221	12	analyze	analyze	VERB
ajfti-2387	221	13	competitive	competitive	ADJ
ajfti-2387	221	14	dynamics	dynamic	NOUN
ajfti-2387	221	15	and	and	CCONJ
ajfti-2387	221	16	identify	identify	VERB
ajfti-2387	221	17	internal	internal	ADJ
ajfti-2387	221	18	capabilities	capability	NOUN
ajfti-2387	221	19	for	for	ADP
ajfti-2387	221	20	a	a	DET
ajfti-2387	221	21	digital	digital	ADJ
ajfti-2387	221	22	edge	edge	NOUN
ajfti-2387	221	23	(	(	PUNCT
ajfti-2387	221	24	wang	wang	PROPN
ajfti-2387	221	25	&	&	CCONJ
ajfti-2387	221	26	gao	gao	PROPN
ajfti-2387	221	27	,	,	PUNCT
ajfti-2387	221	28	2021	2021	NUM
ajfti-2387	221	29	)	)	PUNCT
ajfti-2387	221	30	.	.	PUNCT
ajfti-2387	222	1	this	this	DET
ajfti-2387	222	2	comprehensive	comprehensive	ADJ
ajfti-2387	222	3	assessment	assessment	NOUN
ajfti-2387	222	4	set	set	VERB
ajfti-2387	222	5	enables	enable	VERB
ajfti-2387	222	6	us	we	PRON
ajfti-2387	222	7	to	to	PART
ajfti-2387	222	8	empirically	empirically	ADV
ajfti-2387	222	9	validate	validate	VERB
ajfti-2387	222	10	,	,	PUNCT
ajfti-2387	222	11	enhance	enhance	NOUN
ajfti-2387	222	12	,	,	PUNCT
ajfti-2387	222	13	or	or	CCONJ
ajfti-2387	222	14	expand	expand	VERB
ajfti-2387	222	15	these	these	DET
ajfti-2387	222	16	theoretical	theoretical	ADJ
ajfti-2387	222	17	underpinnings	underpinning	NOUN
ajfti-2387	222	18	.	.	PUNCT
ajfti-2387	223	1	furthermore	furthermore	ADV
ajfti-2387	223	2	,	,	PUNCT
ajfti-2387	223	3	the	the	DET
ajfti-2387	223	4	study	study	NOUN
ajfti-2387	223	5	adopted	adopt	VERB
ajfti-2387	223	6	a	a	DET
ajfti-2387	223	7	quantitative	quantitative	ADJ
ajfti-2387	223	8	approach	approach	NOUN
ajfti-2387	223	9	,	,	PUNCT
ajfti-2387	223	10	aligning	align	VERB
ajfti-2387	223	11	with	with	ADP
ajfti-2387	223	12	a	a	DET
ajfti-2387	223	13	positivist	positivist	ADJ
ajfti-2387	223	14	paradigm	paradigm	NOUN
ajfti-2387	223	15	and	and	CCONJ
ajfti-2387	223	16	employing	employ	VERB
ajfti-2387	223	17	deductive	deductive	ADJ
ajfti-2387	223	18	reasoning	reasoning	NOUN
ajfti-2387	223	19	as	as	ADP
ajfti-2387	223	20	its	its	PRON
ajfti-2387	223	21	research	research	NOUN
ajfti-2387	223	22	design	design	NOUN
ajfti-2387	223	23	.	.	PUNCT
ajfti-2387	224	1	this	this	DET
ajfti-2387	224	2	method	method	NOUN
ajfti-2387	224	3	ensures	ensure	VERB
ajfti-2387	224	4	objectivity	objectivity	NOUN
ajfti-2387	224	5	and	and	CCONJ
ajfti-2387	224	6	extensive	extensive	ADJ
ajfti-2387	224	7	data	datum	NOUN
ajfti-2387	224	8	collection	collection	NOUN
ajfti-2387	224	9	from	from	ADP
ajfti-2387	224	10	digital	digital	ADJ
ajfti-2387	224	11	insurance	insurance	NOUN
ajfti-2387	224	12	professionals	professional	NOUN
ajfti-2387	224	13	in	in	ADP
ajfti-2387	224	14	qatar	qatar	PROPN
ajfti-2387	224	15	(	(	PUNCT
ajfti-2387	224	16	al	al	PROPN
ajfti-2387	224	17	-	-	PUNCT
ajfti-2387	224	18	qurashi	qurashi	NOUN
ajfti-2387	224	19	,	,	PUNCT
ajfti-2387	224	20	2017	2017	NUM
ajfti-2387	224	21	)	)	PUNCT
ajfti-2387	224	22	.	.	PUNCT
ajfti-2387	225	1	the	the	DET
ajfti-2387	225	2	study	study	NOUN
ajfti-2387	225	3	has	have	AUX
ajfti-2387	225	4	utilized	utilize	VERB
ajfti-2387	225	5	a	a	DET
ajfti-2387	225	6	diverse	diverse	ADJ
ajfti-2387	225	7	sample	sample	NOUN
ajfti-2387	225	8	,	,	PUNCT
ajfti-2387	225	9	enriching	enrich	VERB
ajfti-2387	225	10	the	the	DET
ajfti-2387	225	11	study	study	NOUN
ajfti-2387	225	12	’s	’s	PART
ajfti-2387	225	13	insights	insight	NOUN
ajfti-2387	225	14	with	with	ADP
ajfti-2387	225	15	varying	vary	VERB
ajfti-2387	225	16	experience	experience	NOUN
ajfti-2387	225	17	levels	level	NOUN
ajfti-2387	225	18	within	within	ADP
ajfti-2387	225	19	qatar	qatar	PROPN
ajfti-2387	225	20	’s	’s	PART
ajfti-2387	225	21	digital	digital	ADJ
ajfti-2387	225	22	insurance	insurance	NOUN
ajfti-2387	225	23	industry	industry	NOUN
ajfti-2387	225	24	(	(	PUNCT
ajfti-2387	225	25	maouchi	maouchi	PROPN
ajfti-2387	225	26	et	et	PROPN
ajfti-2387	225	27	al	al	PROPN
ajfti-2387	225	28	.	.	PROPN
ajfti-2387	225	29	,	,	PUNCT
ajfti-2387	225	30	2022	2022	NUM
ajfti-2387	225	31	)	)	PUNCT
ajfti-2387	225	32	.	.	PUNCT
ajfti-2387	226	1	the	the	DET
ajfti-2387	226	2	findings	finding	NOUN
ajfti-2387	226	3	on	on	ADP
ajfti-2387	226	4	compliance	compliance	NOUN
ajfti-2387	226	5	underscore	underscore	VERB
ajfti-2387	226	6	the	the	DET
ajfti-2387	226	7	industry	industry	NOUN
ajfti-2387	226	8	’s	’s	PART
ajfti-2387	226	9	adherence	adherence	NOUN
ajfti-2387	226	10	to	to	ADP
ajfti-2387	226	11	digital	digital	ADJ
ajfti-2387	226	12	practices	practice	NOUN
ajfti-2387	226	13	and	and	CCONJ
ajfti-2387	226	14	the	the	DET
ajfti-2387	226	15	pivotal	pivotal	ADJ
ajfti-2387	226	16	role	role	NOUN
ajfti-2387	226	17	of	of	ADP
ajfti-2387	226	18	regulatory	regulatory	ADJ
ajfti-2387	226	19	frameworks	framework	NOUN
ajfti-2387	226	20	in	in	ADP
ajfti-2387	226	21	shaping	shape	VERB
ajfti-2387	226	22	digital	digital	ADJ
ajfti-2387	226	23	practices	practice	NOUN
ajfti-2387	226	24	(	(	PUNCT
ajfti-2387	226	25	maouchi	maouchi	PROPN
ajfti-2387	226	26	et	et	PROPN
ajfti-2387	226	27	al	al	PROPN
ajfti-2387	226	28	.	.	PROPN
ajfti-2387	226	29	,	,	PUNCT
ajfti-2387	226	30	2022	2022	NUM
ajfti-2387	226	31	)	)	PUNCT
ajfti-2387	226	32	.	.	PUNCT
ajfti-2387	227	1	furthermore	furthermore	ADV
ajfti-2387	227	2	,	,	PUNCT
ajfti-2387	227	3	examining	examine	VERB
ajfti-2387	227	4	data	data	NOUN
ajfti-2387	227	5	security	security	NOUN
ajfti-2387	227	6	and	and	CCONJ
ajfti-2387	227	7	ethical	ethical	ADJ
ajfti-2387	227	8	practices	practice	NOUN
ajfti-2387	227	9	,	,	PUNCT
ajfti-2387	227	10	the	the	DET
ajfti-2387	227	11	majority	majority	NOUN
ajfti-2387	227	12	recognize	recognize	VERB
ajfti-2387	227	13	the	the	DET
ajfti-2387	227	14	industry	industry	NOUN
ajfti-2387	227	15	’s	’s	PART
ajfti-2387	227	16	emphasis	emphasis	NOUN
ajfti-2387	227	17	on	on	ADP
ajfti-2387	227	18	robust	robust	ADJ
ajfti-2387	227	19	cybersecurity	cybersecurity	NOUN
ajfti-2387	227	20	measures	measure	NOUN
ajfti-2387	227	21	is	be	AUX
ajfti-2387	227	22	positive	positive	ADJ
ajfti-2387	227	23	.	.	PUNCT
ajfti-2387	228	1	however	however	ADV
ajfti-2387	228	2	,	,	PUNCT
ajfti-2387	228	3	concerns	concern	NOUN
ajfti-2387	228	4	about	about	ADP
ajfti-2387	228	5	transparency	transparency	NOUN
ajfti-2387	228	6	in	in	ADP
ajfti-2387	228	7	customer	customer	NOUN
ajfti-2387	228	8	data	datum	NOUN
ajfti-2387	228	9	handling	handling	NOUN
ajfti-2387	228	10	reveal	reveal	VERB
ajfti-2387	228	11	a	a	DET
ajfti-2387	228	12	critical	critical	ADJ
ajfti-2387	228	13	need	need	NOUN
ajfti-2387	228	14	for	for	ADP
ajfti-2387	228	15	improvement	improvement	NOUN
ajfti-2387	228	16	.	.	PUNCT
ajfti-2387	229	1	the	the	DET
ajfti-2387	229	2	positive	positive	ADJ
ajfti-2387	229	3	correlation	correlation	NOUN
ajfti-2387	229	4	between	between	ADP
ajfti-2387	229	5	ethical	ethical	ADJ
ajfti-2387	229	6	practices	practice	NOUN
ajfti-2387	229	7	and	and	CCONJ
ajfti-2387	229	8	customer	customer	NOUN
ajfti-2387	229	9	trust	trust	NOUN
ajfti-2387	229	10	underscores	underscore	VERB
ajfti-2387	229	11	their	their	PRON
ajfti-2387	229	12	interconnectedness	interconnectedness	NOUN
ajfti-2387	229	13	,	,	PUNCT
ajfti-2387	229	14	emphasizing	emphasize	VERB
ajfti-2387	229	15	the	the	DET
ajfti-2387	229	16	imperative	imperative	NOUN
ajfti-2387	229	17	for	for	ADP
ajfti-2387	229	18	transparent	transparent	ADJ
ajfti-2387	229	19	data	datum	NOUN
ajfti-2387	229	20	processes	process	NOUN
ajfti-2387	229	21	in	in	ADP
ajfti-2387	229	22	fostering	foster	VERB
ajfti-2387	229	23	trust	trust	NOUN
ajfti-2387	229	24	(	(	PUNCT
ajfti-2387	229	25	halim	halim	PROPN
ajfti-2387	229	26	et	et	PROPN
ajfti-2387	229	27	al	al	PROPN
ajfti-2387	229	28	.	.	PROPN
ajfti-2387	229	29	,	,	PUNCT
ajfti-2387	229	30	2023	2023	NUM
ajfti-2387	229	31	)	)	PUNCT
ajfti-2387	229	32	.	.	PUNCT
ajfti-2387	230	1	the	the	DET
ajfti-2387	230	2	study	study	NOUN
ajfti-2387	230	3	findings	finding	NOUN
ajfti-2387	230	4	also	also	ADV
ajfti-2387	230	5	reflect	reflect	VERB
ajfti-2387	230	6	that	that	SCONJ
ajfti-2387	230	7	market	market	NOUN
ajfti-2387	230	8	dynamics	dynamic	NOUN
ajfti-2387	230	9	and	and	CCONJ
ajfti-2387	230	10	digital	digital	ADJ
ajfti-2387	230	11	competitiveness	competitiveness	NOUN
ajfti-2387	230	12	reflect	reflect	VERB
ajfti-2387	230	13	a	a	DET
ajfti-2387	230	14	positive	positive	ADJ
ajfti-2387	230	15	industry	industry	NOUN
ajfti-2387	230	16	outlook	outlook	NOUN
ajfti-2387	230	17	on	on	ADP
ajfti-2387	230	18	digitalization	digitalization	NOUN
ajfti-2387	230	19	,	,	PUNCT
ajfti-2387	230	20	highlighting	highlight	VERB
ajfti-2387	230	21	its	its	PRON
ajfti-2387	230	22	transformative	transformative	ADJ
ajfti-2387	230	23	influence	influence	NOUN
ajfti-2387	230	24	(	(	PUNCT
ajfti-2387	230	25	halim	halim	PROPN
ajfti-2387	230	26	et	et	PROPN
ajfti-2387	230	27	al	al	PROPN
ajfti-2387	230	28	.	.	PROPN
ajfti-2387	230	29	,	,	PUNCT
ajfti-2387	230	30	2023	2023	NUM
ajfti-2387	230	31	)	)	PUNCT
ajfti-2387	230	32	.	.	PUNCT
ajfti-2387	231	1	acknowledging	acknowledge	VERB
ajfti-2387	231	2	the	the	DET
ajfti-2387	231	3	need	need	NOUN
ajfti-2387	231	4	for	for	ADP
ajfti-2387	231	5	further	further	ADJ
ajfti-2387	231	6	exploration	exploration	NOUN
ajfti-2387	231	7	indicates	indicate	VERB
ajfti-2387	231	8	an	an	DET
ajfti-2387	231	9	industry	industry	NOUN
ajfti-2387	231	10	aware	aware	ADJ
ajfti-2387	231	11	of	of	ADP
ajfti-2387	231	12	ongoing	ongoing	ADJ
ajfti-2387	231	13	challenges	challenge	NOUN
ajfti-2387	231	14	and	and	CCONJ
ajfti-2387	231	15	committed	commit	VERB
ajfti-2387	231	16	to	to	ADP
ajfti-2387	231	17	innovative	innovative	ADJ
ajfti-2387	231	18	solutions	solution	NOUN
ajfti-2387	231	19	;	;	PUNCT
ajfti-2387	231	20	navigating	navigate	VERB
ajfti-2387	231	21	competitive	competitive	ADJ
ajfti-2387	231	22	realities	reality	NOUN
ajfti-2387	231	23	reveals	reveal	VERB
ajfti-2387	231	24	industry	industry	NOUN
ajfti-2387	231	25	awareness	awareness	NOUN
ajfti-2387	231	26	of	of	ADP
ajfti-2387	231	27	digitalization	digitalization	NOUN
ajfti-2387	231	28	’s	’s	PART
ajfti-2387	231	29	substantial	substantial	ADJ
ajfti-2387	231	30	impact	impact	NOUN
ajfti-2387	231	31	on	on	ADP
ajfti-2387	231	32	rivalry	rivalry	NOUN
ajfti-2387	231	33	,	,	PUNCT
ajfti-2387	231	34	bargaining	bargaining	NOUN
ajfti-2387	231	35	power	power	NOUN
ajfti-2387	231	36	,	,	PUNCT
ajfti-2387	231	37	and	and	CCONJ
ajfti-2387	231	38	competitive	competitive	ADJ
ajfti-2387	231	39	advantage	advantage	NOUN
ajfti-2387	231	40	.	.	PUNCT
ajfti-2387	232	1	however	however	ADV
ajfti-2387	232	2	,	,	PUNCT
ajfti-2387	232	3	concerns	concern	NOUN
ajfti-2387	232	4	about	about	ADP
ajfti-2387	232	5	barriers	barrier	NOUN
ajfti-2387	232	6	for	for	ADP
ajfti-2387	232	7	new	new	ADJ
ajfti-2387	232	8	entrants	entrant	NOUN
ajfti-2387	232	9	signal	signal	VERB
ajfti-2387	232	10	a	a	DET
ajfti-2387	232	11	nuanced	nuanced	ADJ
ajfti-2387	232	12	understanding	understanding	NOUN
ajfti-2387	232	13	of	of	ADP
ajfti-2387	232	14	digital	digital	ADJ
ajfti-2387	232	15	advancements	advancement	NOUN
ajfti-2387	232	16	’	'	PUNCT
ajfti-2387	232	17	potential	potential	ADJ
ajfti-2387	232	18	challenges	challenge	NOUN
ajfti-2387	232	19	(	(	PUNCT
ajfti-2387	232	20	nicoletti	nicoletti	NOUN
ajfti-2387	232	21	,	,	PUNCT
ajfti-2387	232	22	2020	2020	NUM
ajfti-2387	232	23	)	)	PUNCT
ajfti-2387	232	24	.	.	PUNCT
ajfti-2387	233	1	the	the	DET
ajfti-2387	233	2	positive	positive	ADJ
ajfti-2387	233	3	correlations	correlation	NOUN
ajfti-2387	233	4	identified	identify	VERB
ajfti-2387	233	5	in	in	ADP
ajfti-2387	233	6	the	the	DET
ajfti-2387	233	7	study	study	NOUN
ajfti-2387	233	8	between	between	ADP
ajfti-2387	233	9	challenges	challenge	NOUN
ajfti-2387	233	10	and	and	CCONJ
ajfti-2387	233	11	the	the	DET
ajfti-2387	233	12	adoption	adoption	NOUN
ajfti-2387	233	13	of	of	ADP
ajfti-2387	233	14	digitization	digitization	NOUN
ajfti-2387	233	15	,	,	PUNCT
ajfti-2387	233	16	the	the	DET
ajfti-2387	233	17	impact	impact	NOUN
ajfti-2387	233	18	of	of	ADP
ajfti-2387	233	19	regulatory	regulatory	ADJ
ajfti-2387	233	20	frameworks	framework	NOUN
ajfti-2387	233	21	,	,	PUNCT
ajfti-2387	233	22	and	and	CCONJ
ajfti-2387	233	23	competitive	competitive	ADJ
ajfti-2387	233	24	rivalry	rivalry	NOUN
ajfti-2387	233	25	are	be	AUX
ajfti-2387	233	26	consistent	consistent	ADJ
ajfti-2387	233	27	with	with	ADP
ajfti-2387	233	28	kimwaki	kimwaki	PROPN
ajfti-2387	233	29	’s	’s	PART
ajfti-2387	233	30	work	work	NOUN
ajfti-2387	233	31	,	,	PUNCT
ajfti-2387	233	32	underscoring	underscore	VERB
ajfti-2387	233	33	the	the	DET
ajfti-2387	233	34	intertwined	intertwine	VERB
ajfti-2387	233	35	dynamics	dynamic	NOUN
ajfti-2387	233	36	in	in	ADP
ajfti-2387	233	37	the	the	DET
ajfti-2387	233	38	digitalization	digitalization	NOUN
ajfti-2387	233	39	landscape	landscape	NOUN
ajfti-2387	233	40	.	.	PUNCT
ajfti-2387	234	1	these	these	DET
ajfti-2387	234	2	findings	finding	NOUN
ajfti-2387	234	3	reinforce	reinforce	VERB
ajfti-2387	234	4	the	the	DET
ajfti-2387	234	5	idea	idea	NOUN
ajfti-2387	234	6	that	that	SCONJ
ajfti-2387	234	7	challenges	challenge	VERB
ajfti-2387	234	8	in	in	ADP
ajfti-2387	234	9	adopting	adopt	VERB
ajfti-2387	234	10	digitization	digitization	NOUN
ajfti-2387	234	11	are	be	AUX
ajfti-2387	234	12	not	not	PART
ajfti-2387	234	13	isolated	isolate	VERB
ajfti-2387	234	14	but	but	CCONJ
ajfti-2387	234	15	influenced	influence	VERB
ajfti-2387	234	16	by	by	ADP
ajfti-2387	234	17	regulatory	regulatory	ADJ
ajfti-2387	234	18	frameworks	framework	NOUN
ajfti-2387	234	19	and	and	CCONJ
ajfti-2387	234	20	the	the	DET
ajfti-2387	234	21	competitive	competitive	ADJ
ajfti-2387	234	22	environment	environment	NOUN
ajfti-2387	234	23	(	(	PUNCT
ajfti-2387	234	24	kimwaki	kimwaki	PROPN
ajfti-2387	234	25	,	,	PUNCT
ajfti-2387	234	26	2023	2023	NUM
ajfti-2387	234	27	)	)	PUNCT
ajfti-2387	234	28	.	.	PUNCT
ajfti-2387	235	1	ibrahim	ibrahim	PROPN
ajfti-2387	235	2	et	et	PROPN
ajfti-2387	235	3	al	al	PROPN
ajfti-2387	235	4	.	.	PROPN
ajfti-2387	236	1	(	(	PUNCT
ajfti-2387	236	2	2021	2021	NUM
ajfti-2387	236	3	)	)	PUNCT
ajfti-2387	236	4	suggest	suggest	VERB
ajfti-2387	236	5	that	that	SCONJ
ajfti-2387	236	6	stringent	stringent	ADJ
ajfti-2387	236	7	regulatory	regulatory	ADJ
ajfti-2387	236	8	frameworks	framework	NOUN
ajfti-2387	236	9	can	can	AUX
ajfti-2387	236	10	both	both	CCONJ
ajfti-2387	236	11	catalyze	catalyze	VERB
ajfti-2387	236	12	and	and	CCONJ
ajfti-2387	236	13	hinder	hinder	VERB
ajfti-2387	236	14	digital	digital	PROPN
ajfti-2387	236	15	adoption(ibrahim	adoption(ibrahim	PROPN
ajfti-2387	236	16	&	&	CCONJ
ajfti-2387	236	17	trubyjon	trubyjon	NOUN
ajfti-2387	236	18	,	,	PUNCT
ajfti-2387	236	19	2021	2021	NUM
ajfti-2387	236	20	)	)	PUNCT
ajfti-2387	236	21	.	.	PUNCT
ajfti-2387	237	1	the	the	DET
ajfti-2387	237	2	significant	significant	ADJ
ajfti-2387	237	3	correlation	correlation	NOUN
ajfti-2387	237	4	between	between	ADP
ajfti-2387	237	5	challenges	challenge	NOUN
ajfti-2387	237	6	and	and	CCONJ
ajfti-2387	237	7	regulatory	regulatory	ADJ
ajfti-2387	237	8	impact	impact	NOUN
ajfti-2387	237	9	(	(	PUNCT
ajfti-2387	237	10	r	r	NOUN
ajfti-2387	237	11	=	=	SYM
ajfti-2387	237	12	0.443	0.443	NUM
ajfti-2387	237	13	,	,	PUNCT
ajfti-2387	237	14	p	p	X
ajfti-2387	237	15	<	<	X
ajfti-2387	237	16	0.01	0.01	NUM
ajfti-2387	237	17	)	)	PUNCT
ajfti-2387	237	18	suggests	suggest	VERB
ajfti-2387	237	19	that	that	SCONJ
ajfti-2387	237	20	navigating	navigate	VERB
ajfti-2387	237	21	regulatory	regulatory	ADJ
ajfti-2387	237	22	complexities	complexity	NOUN
ajfti-2387	237	23	is	be	AUX
ajfti-2387	237	24	a	a	DET
ajfti-2387	237	25	substantial	substantial	ADJ
ajfti-2387	237	26	hurdle	hurdle	NOUN
ajfti-2387	237	27	in	in	ADP
ajfti-2387	237	28	the	the	DET
ajfti-2387	237	29	digitalization	digitalization	NOUN
ajfti-2387	237	30	journey	journey	NOUN
ajfti-2387	237	31	.	.	PUNCT
ajfti-2387	238	1	this	this	PRON
ajfti-2387	238	2	aligns	align	VERB
ajfti-2387	238	3	with	with	ADP
ajfti-2387	238	4	studies	study	NOUN
ajfti-2387	238	5	emphasizing	emphasize	VERB
ajfti-2387	238	6	the	the	DET
ajfti-2387	238	7	pivotal	pivotal	ADJ
ajfti-2387	238	8	role	role	NOUN
ajfti-2387	238	9	of	of	ADP
ajfti-2387	238	10	regulatory	regulatory	ADJ
ajfti-2387	238	11	environments	environment	NOUN
ajfti-2387	238	12	in	in	ADP
ajfti-2387	238	13	shaping	shape	VERB
ajfti-2387	238	14	organizational	organizational	ADJ
ajfti-2387	238	15	practices	practice	NOUN
ajfti-2387	238	16	during	during	ADP
ajfti-2387	238	17	technological	technological	ADJ
ajfti-2387	238	18	transitions(knight	transitions(knight	PROPN
ajfti-2387	238	19	&	&	CCONJ
ajfti-2387	238	20	wójcik	wójcik	PROPN
ajfti-2387	238	21	,	,	PUNCT
ajfti-2387	238	22	2018	2018	NUM
ajfti-2387	238	23	;	;	PUNCT
ajfti-2387	238	24	park	park	NOUN
ajfti-2387	238	25	&	&	CCONJ
ajfti-2387	238	26	kim	kim	PROPN
ajfti-2387	238	27	,	,	PUNCT
ajfti-2387	238	28	2020	2020	NUM
ajfti-2387	238	29	)	)	PUNCT
ajfti-2387	238	30	.	.	PUNCT
ajfti-2387	239	1	however	however	ADV
ajfti-2387	239	2	,	,	PUNCT
ajfti-2387	239	3	the	the	DET
ajfti-2387	239	4	lack	lack	NOUN
ajfti-2387	239	5	of	of	ADP
ajfti-2387	239	6	significance	significance	NOUN
ajfti-2387	239	7	for	for	ADP
ajfti-2387	239	8	security	security	NOUN
ajfti-2387	239	9	challenges	challenge	NOUN
ajfti-2387	239	10	and	and	CCONJ
ajfti-2387	239	11	market	market	NOUN
ajfti-2387	239	12	competitiveness	competitiveness	NOUN
ajfti-2387	239	13	in	in	ADP
ajfti-2387	239	14	the	the	DET
ajfti-2387	239	15	regression	regression	NOUN
ajfti-2387	239	16	analysis	analysis	NOUN
ajfti-2387	239	17	prompts	prompt	VERB
ajfti-2387	239	18	further	further	ADJ
ajfti-2387	239	19	exploration	exploration	NOUN
ajfti-2387	239	20	.	.	PUNCT
ajfti-2387	240	1	while	while	SCONJ
ajfti-2387	240	2	security	security	NOUN
ajfti-2387	240	3	challenges	challenge	NOUN
ajfti-2387	240	4	may	may	AUX
ajfti-2387	240	5	not	not	PART
ajfti-2387	240	6	have	have	VERB
ajfti-2387	240	7	a	a	DET
ajfti-2387	240	8	direct	direct	ADJ
ajfti-2387	240	9	impact	impact	NOUN
ajfti-2387	240	10	on	on	ADP
ajfti-2387	240	11	digitization	digitization	NOUN
ajfti-2387	240	12	challenges	challenge	NOUN
ajfti-2387	240	13	in	in	ADP
ajfti-2387	240	14	the	the	DET
ajfti-2387	240	15	model	model	NOUN
ajfti-2387	240	16	,	,	PUNCT
ajfti-2387	240	17	their	their	PRON
ajfti-2387	240	18	real	real	ADJ
ajfti-2387	240	19	-	-	PUNCT
ajfti-2387	240	20	world	world	NOUN
ajfti-2387	240	21	importance	importance	NOUN
ajfti-2387	240	22	is	be	AUX
ajfti-2387	240	23	well	well	ADV
ajfti-2387	240	24	-	-	PUNCT
ajfti-2387	240	25	documented	document	VERB
ajfti-2387	240	26	(	(	PUNCT
ajfti-2387	240	27	kshetri	kshetri	ADJ
ajfti-2387	240	28	,	,	PUNCT
ajfti-2387	240	29	2018	2018	NUM
ajfti-2387	240	30	)	)	PUNCT
ajfti-2387	240	31	.	.	PUNCT
ajfti-2387	241	1	future	future	ADJ
ajfti-2387	241	2	research	research	NOUN
ajfti-2387	241	3	should	should	AUX
ajfti-2387	241	4	delve	delve	VERB
ajfti-2387	241	5	into	into	ADP
ajfti-2387	241	6	the	the	DET
ajfti-2387	241	7	nuanced	nuanced	ADJ
ajfti-2387	241	8	ways	way	NOUN
ajfti-2387	241	9	security	security	NOUN
ajfti-2387	241	10	concerns	concern	NOUN
ajfti-2387	241	11	influence	influence	NOUN
ajfti-2387	241	12	digitalization	digitalization	NOUN
ajfti-2387	241	13	strategies	strategy	NOUN
ajfti-2387	241	14	.	.	PUNCT
ajfti-2387	242	1	moreover	moreover	ADV
ajfti-2387	242	2	,	,	PUNCT
ajfti-2387	242	3	the	the	DET
ajfti-2387	242	4	non	non	ADJ
ajfti-2387	242	5	-	-	ADJ
ajfti-2387	242	6	significant	significant	ADJ
ajfti-2387	242	7	contribution	contribution	NOUN
ajfti-2387	242	8	of	of	ADP
ajfti-2387	242	9	market	market	NOUN
ajfti-2387	242	10	competitiveness	competitiveness	NOUN
ajfti-2387	242	11	in	in	ADP
ajfti-2387	242	12	the	the	DET
ajfti-2387	242	13	model	model	NOUN
ajfti-2387	242	14	contradicts	contradict	VERB
ajfti-2387	242	15	existing	exist	VERB
ajfti-2387	242	16	literature	literature	NOUN
ajfti-2387	242	17	on	on	ADP
ajfti-2387	242	18	the	the	DET
ajfti-2387	242	19	transformative	transformative	ADJ
ajfti-2387	242	20	impact	impact	NOUN
ajfti-2387	242	21	of	of	ADP
ajfti-2387	242	22	digital	digital	ADJ
ajfti-2387	242	23	strategies	strategy	NOUN
ajfti-2387	242	24	on	on	ADP
ajfti-2387	242	25	market	market	NOUN
ajfti-2387	242	26	dynamics	dynamic	NOUN
ajfti-2387	242	27	(	(	PUNCT
ajfti-2387	242	28	ali	ali	PROPN
ajfti-2387	242	29	et	et	PROPN
ajfti-2387	242	30	al	al	PROPN
ajfti-2387	242	31	.	.	PROPN
ajfti-2387	242	32	,	,	PUNCT
ajfti-2387	242	33	2023	2023	NUM
ajfti-2387	242	34	;	;	PUNCT
ajfti-2387	242	35	rodríguezespíndola	rodríguezespíndola	PROPN
ajfti-2387	242	36	et	et	PROPN
ajfti-2387	242	37	al	al	PROPN
ajfti-2387	242	38	.	.	PROPN
ajfti-2387	242	39	,	,	PUNCT
ajfti-2387	242	40	2022	2022	NUM
ajfti-2387	242	41	)	)	PUNCT
ajfti-2387	242	42	.	.	PUNCT
ajfti-2387	243	1	this	this	DET
ajfti-2387	243	2	discrepancy	discrepancy	NOUN
ajfti-2387	243	3	necessitates	necessitate	VERB
ajfti-2387	243	4	a	a	DET
ajfti-2387	243	5	more	more	ADV
ajfti-2387	243	6	nuanced	nuanced	ADJ
ajfti-2387	243	7	investigation	investigation	NOUN
ajfti-2387	243	8	into	into	ADP
ajfti-2387	243	9	the	the	DET
ajfti-2387	243	10	specific	specific	ADJ
ajfti-2387	243	11	market	market	NOUN
ajfti-2387	243	12	conditions	condition	NOUN
ajfti-2387	243	13	influencing	influence	VERB
ajfti-2387	243	14	the	the	DET
ajfti-2387	243	15	adoption	adoption	NOUN
ajfti-2387	243	16	of	of	ADP
ajfti-2387	243	17	digital	digital	ADJ
ajfti-2387	243	18	initiatives	initiative	NOUN
ajfti-2387	243	19	within	within	ADP
ajfti-2387	243	20	the	the	DET
ajfti-2387	243	21	insurance	insurance	NOUN
ajfti-2387	243	22	sector	sector	NOUN
ajfti-2387	243	23	.	.	PUNCT
ajfti-2387	244	1	critically	critically	ADV
ajfti-2387	244	2	assessing	assess	VERB
ajfti-2387	244	3	the	the	DET
ajfti-2387	244	4	findings	finding	NOUN
ajfti-2387	244	5	,	,	PUNCT
ajfti-2387	244	6	the	the	DET
ajfti-2387	244	7	positive	positive	ADJ
ajfti-2387	244	8	correlation	correlation	NOUN
ajfti-2387	244	9	between	between	ADP
ajfti-2387	244	10	challenges	challenge	NOUN
ajfti-2387	244	11	and	and	CCONJ
ajfti-2387	244	12	adoption	adoption	NOUN
ajfti-2387	244	13	of	of	ADP
ajfti-2387	244	14	digitization	digitization	NOUN
ajfti-2387	244	15	,	,	PUNCT
ajfti-2387	244	16	impact	impact	NOUN
ajfti-2387	244	17	of	of	ADP
ajfti-2387	244	18	regulatory	regulatory	ADJ
ajfti-2387	244	19	frameworks	framework	NOUN
ajfti-2387	244	20	(	(	PUNCT
ajfti-2387	244	21	r	r	NOUN
ajfti-2387	244	22	=	=	SYM
ajfti-2387	244	23	0.443	0.443	NUM
ajfti-2387	244	24	,	,	PUNCT
ajfti-2387	244	25	p	p	X
ajfti-2387	244	26	<	<	X
ajfti-2387	244	27	0.01	0.01	NUM
ajfti-2387	244	28	)	)	PUNCT
ajfti-2387	244	29	,	,	PUNCT
ajfti-2387	244	30	and	and	CCONJ
ajfti-2387	244	31	competitive	competitive	ADJ
ajfti-2387	244	32	rivalry	rivalry	NOUN
ajfti-2387	244	33	(	(	PUNCT
ajfti-2387	244	34	r	r	NOUN
ajfti-2387	244	35	=	=	SYM
ajfti-2387	244	36	0.717	0.717	NUM
ajfti-2387	244	37	,	,	PUNCT
ajfti-2387	244	38	p	p	X
ajfti-2387	244	39	<	<	X
ajfti-2387	244	40	0.01	0.01	NUM
ajfti-2387	244	41	)	)	PUNCT
ajfti-2387	244	42	aligns	align	VERB
ajfti-2387	244	43	with	with	ADP
ajfti-2387	244	44	literature	literature	NOUN
ajfti-2387	244	45	highlighting	highlight	VERB
ajfti-2387	244	46	the	the	DET
ajfti-2387	244	47	interconnected	interconnected	ADJ
ajfti-2387	244	48	nature	nature	NOUN
ajfti-2387	244	49	of	of	ADP
ajfti-2387	244	50	these	these	DET
ajfti-2387	244	51	factors	factor	NOUN
ajfti-2387	244	52	in	in	ADP
ajfti-2387	244	53	digitalization	digitalization	NOUN
ajfti-2387	244	54	processes	process	NOUN
ajfti-2387	244	55	(	(	PUNCT
ajfti-2387	244	56	demeter	demeter	PROPN
ajfti-2387	244	57	et	et	PROPN
ajfti-2387	244	58	al	al	PROPN
ajfti-2387	244	59	.	.	PROPN
ajfti-2387	244	60	,	,	PUNCT
ajfti-2387	244	61	2023	2023	NUM
ajfti-2387	244	62	;	;	PUNCT
ajfti-2387	244	63	kumar	kumar	PROPN
ajfti-2387	244	64	&	&	CCONJ
ajfti-2387	244	65	bhatia	bhatia	PROPN
ajfti-2387	244	66	,	,	PUNCT
ajfti-2387	244	67	2021	2021	NUM
ajfti-2387	244	68	)	)	PUNCT
ajfti-2387	244	69	.	.	PUNCT
ajfti-2387	245	1	however	however	ADV
ajfti-2387	245	2	,	,	PUNCT
ajfti-2387	245	3	the	the	DET
ajfti-2387	245	4	lack	lack	NOUN
ajfti-2387	245	5	of	of	ADP
ajfti-2387	245	6	significance	significance	NOUN
ajfti-2387	245	7	for	for	ADP
ajfti-2387	245	8	security	security	NOUN
ajfti-2387	245	9	challenges	challenge	NOUN
ajfti-2387	245	10	and	and	CCONJ
ajfti-2387	245	11	market	market	NOUN
ajfti-2387	245	12	competitiveness	competitiveness	NOUN
ajfti-2387	245	13	in	in	ADP
ajfti-2387	245	14	the	the	DET
ajfti-2387	245	15	regression	regression	NOUN
ajfti-2387	245	16	analysis	analysis	NOUN
ajfti-2387	245	17	calls	call	VERB
ajfti-2387	245	18	for	for	ADP
ajfti-2387	245	19	a	a	DET
ajfti-2387	245	20	nuanced	nuanced	ADJ
ajfti-2387	245	21	exploration	exploration	NOUN
ajfti-2387	245	22	of	of	ADP
ajfti-2387	245	23	these	these	DET
ajfti-2387	245	24	aspects	aspect	NOUN
ajfti-2387	245	25	in	in	ADP
ajfti-2387	245	26	future	future	ADJ
ajfti-2387	245	27	research	research	NOUN
ajfti-2387	245	28	,	,	PUNCT
ajfti-2387	245	29	considering	consider	VERB
ajfti-2387	245	30	their	their	PRON
ajfti-2387	245	31	potential	potential	ADJ
ajfti-2387	245	32	significance	significance	NOUN
ajfti-2387	245	33	in	in	ADP
ajfti-2387	245	34	realworld	realworld	PROPN
ajfti-2387	245	35	scenarios	scenario	NOUN
ajfti-2387	245	36	.	.	PUNCT
ajfti-2387	246	1	the	the	DET
ajfti-2387	246	2	high	high	ADJ
ajfti-2387	246	3	r	r	NOUN
ajfti-2387	246	4	-	-	PUNCT
ajfti-2387	246	5	square	square	ADJ
ajfti-2387	246	6	value	value	NOUN
ajfti-2387	246	7	indicates	indicate	VERB
ajfti-2387	246	8	a	a	DET
ajfti-2387	246	9	substantial	substantial	ADJ
ajfti-2387	246	10	proportion	proportion	NOUN
ajfti-2387	246	11	of	of	ADP
ajfti-2387	246	12	variance	variance	NOUN
ajfti-2387	246	13	in	in	ADP
ajfti-2387	246	14	challenges	challenge	NOUN
ajfti-2387	246	15	and	and	CCONJ
ajfti-2387	246	16	adoption	adoption	NOUN
ajfti-2387	246	17	of	of	ADP
ajfti-2387	246	18	digitization	digitization	NOUN
ajfti-2387	246	19	is	be	AUX
ajfti-2387	246	20	explained	explain	VERB
ajfti-2387	246	21	by	by	ADP
ajfti-2387	246	22	the	the	DET
ajfti-2387	246	23	included	include	VERB
ajfti-2387	246	24	predictors	predictor	NOUN
ajfti-2387	246	25	,	,	PUNCT
ajfti-2387	246	26	suggesting	suggest	VERB
ajfti-2387	246	27	the	the	DET
ajfti-2387	246	28	model	model	NOUN
ajfti-2387	246	29	’s	’s	PART
ajfti-2387	246	30	reliability	reliability	NOUN
ajfti-2387	246	31	.	.	PUNCT
ajfti-2387	247	1	nonetheless	nonetheless	ADV
ajfti-2387	247	2	,	,	PUNCT
ajfti-2387	247	3	the	the	DET
ajfti-2387	247	4	study	study	NOUN
ajfti-2387	247	5	could	could	AUX
ajfti-2387	247	6	benefit	benefit	VERB
ajfti-2387	247	7	from	from	ADP
ajfti-2387	247	8	further	further	ADJ
ajfti-2387	247	9	exploration	exploration	NOUN
ajfti-2387	247	10	of	of	ADP
ajfti-2387	247	11	additional	additional	ADJ
ajfti-2387	247	12	variables	variable	NOUN
ajfti-2387	247	13	,	,	PUNCT
ajfti-2387	247	14	such	such	ADJ
ajfti-2387	247	15	as	as	ADP
ajfti-2387	247	16	customer	customer	NOUN
ajfti-2387	247	17	perceptions	perception	NOUN
ajfti-2387	247	18	and	and	CCONJ
ajfti-2387	247	19	external	external	ADJ
ajfti-2387	247	20	market	market	NOUN
ajfti-2387	247	21	forces	force	NOUN
ajfti-2387	247	22	,	,	PUNCT
ajfti-2387	247	23	to	to	PART
ajfti-2387	247	24	enhance	enhance	VERB
ajfti-2387	247	25	its	its	PRON
ajfti-2387	247	26	explanatory	explanatory	ADJ
ajfti-2387	247	27	power	power	NOUN
ajfti-2387	247	28	.	.	PUNCT
ajfti-2387	248	1	the	the	DET
ajfti-2387	248	2	research	research	NOUN
ajfti-2387	248	3	design	design	NOUN
ajfti-2387	248	4	,	,	PUNCT
ajfti-2387	248	5	while	while	SCONJ
ajfti-2387	248	6	robust	robust	ADJ
ajfti-2387	248	7	,	,	PUNCT
ajfti-2387	248	8	could	could	AUX
ajfti-2387	248	9	strengthen	strengthen	VERB
ajfti-2387	248	10	its	its	PRON
ajfti-2387	248	11	theoretical	theoretical	ADJ
ajfti-2387	248	12	grounding	grounding	NOUN
ajfti-2387	248	13	by	by	ADP
ajfti-2387	248	14	incorporating	incorporate	VERB
ajfti-2387	248	15	qualitative	qualitative	ADJ
ajfti-2387	248	16	elements	element	NOUN
ajfti-2387	248	17	to	to	PART
ajfti-2387	248	18	provide	provide	VERB
ajfti-2387	248	19	a	a	DET
ajfti-2387	248	20	more	more	ADV
ajfti-2387	248	21	holistic	holistic	ADJ
ajfti-2387	248	22	understanding	understanding	NOUN
ajfti-2387	248	23	in	in	ADP
ajfti-2387	248	24	future	future	ADJ
ajfti-2387	248	25	research	research	NOUN
ajfti-2387	248	26	(	(	PUNCT
ajfti-2387	248	27	sreedharan	sreedharan	PROPN
ajfti-2387	248	28	v	v	PROPN
ajfti-2387	248	29	&	&	CCONJ
ajfti-2387	248	30	saha	saha	PROPN
ajfti-2387	248	31	,	,	PUNCT
ajfti-2387	248	32	2021	2021	NUM
ajfti-2387	248	33	;	;	PUNCT
ajfti-2387	248	34	wiegard	wiegard	NOUN
ajfti-2387	248	35	&	&	CCONJ
ajfti-2387	248	36	breitner	breitner	NOUN
ajfti-2387	248	37	,	,	PUNCT
ajfti-2387	248	38	2019	2019	NUM
ajfti-2387	248	39	)	)	PUNCT
ajfti-2387	248	40	.	.	PUNCT
ajfti-2387	249	1	the	the	DET
ajfti-2387	249	2	survey	survey	NOUN
ajfti-2387	249	3	methodology	methodology	NOUN
ajfti-2387	249	4	’s	’s	PART
ajfti-2387	249	5	reliance	reliance	NOUN
ajfti-2387	249	6	on	on	ADP
ajfti-2387	249	7	self	self	NOUN
ajfti-2387	249	8	-	-	PUNCT
ajfti-2387	249	9	reporting	reporting	NOUN
ajfti-2387	249	10	introduces	introduce	NOUN
ajfti-2387	249	11	potential	potential	ADJ
ajfti-2387	249	12	biases	bias	NOUN
ajfti-2387	249	13	,	,	PUNCT
ajfti-2387	249	14	necessitating	necessitate	VERB
ajfti-2387	249	15	cautious	cautious	ADJ
ajfti-2387	249	16	interpretation	interpretation	NOUN
ajfti-2387	249	17	of	of	ADP
ajfti-2387	249	18	the	the	DET
ajfti-2387	249	19	results	result	NOUN
ajfti-2387	249	20	.	.	PUNCT
ajfti-2387	250	1	future	future	ADJ
ajfti-2387	250	2	studies	study	NOUN
ajfti-2387	250	3	could	could	AUX
ajfti-2387	250	4	employ	employ	VERB
ajfti-2387	250	5	mixed	mixed	ADJ
ajfti-2387	250	6	-	-	PUNCT
ajfti-2387	250	7	methods	method	NOUN
ajfti-2387	250	8	approaches	approach	NOUN
ajfti-2387	250	9	for	for	ADP
ajfti-2387	250	10	a	a	DET
ajfti-2387	250	11	more	more	ADV
ajfti-2387	250	12	comprehensive	comprehensive	ADJ
ajfti-2387	250	13	exploration	exploration	NOUN
ajfti-2387	250	14	of	of	ADP
ajfti-2387	250	15	the	the	DET
ajfti-2387	250	16	digital	digital	ADJ
ajfti-2387	250	17	insurance	insurance	NOUN
ajfti-2387	250	18	landscape	landscape	NOUN
ajfti-2387	250	19	(	(	PUNCT
ajfti-2387	250	20	kirkpatrick	kirkpatrick	PROPN
ajfti-2387	250	21	et	et	PROPN
ajfti-2387	250	22	al	al	PROPN
ajfti-2387	250	23	.	.	PROPN
ajfti-2387	250	24	,	,	PUNCT
ajfti-2387	250	25	2019	2019	NUM
ajfti-2387	250	26	)	)	PUNCT
ajfti-2387	250	27	.	.	PUNCT
ajfti-2387	251	1	overall	overall	ADV
ajfti-2387	251	2	,	,	PUNCT
ajfti-2387	251	3	the	the	DET
ajfti-2387	251	4	study	study	NOUN
ajfti-2387	251	5	’s	’s	PART
ajfti-2387	251	6	findings	finding	NOUN
ajfti-2387	251	7	contribute	contribute	VERB
ajfti-2387	251	8	valuable	valuable	ADJ
ajfti-2387	251	9	insights	insight	NOUN
ajfti-2387	251	10	into	into	ADP
ajfti-2387	251	11	the	the	DET
ajfti-2387	251	12	digital	digital	ADJ
ajfti-2387	251	13	insurance	insurance	NOUN
ajfti-2387	251	14	sector	sector	NOUN
ajfti-2387	251	15	in	in	ADP
ajfti-2387	251	16	qatar	qatar	PROPN
ajfti-2387	251	17	.	.	PUNCT
ajfti-2387	252	1	the	the	DET
ajfti-2387	252	2	positive	positive	ADJ
ajfti-2387	252	3	industry	industry	NOUN
ajfti-2387	252	4	outlook	outlook	NOUN
ajfti-2387	252	5	,	,	PUNCT
ajfti-2387	252	6	coupled	couple	VERB
ajfti-2387	252	7	with	with	ADP
ajfti-2387	252	8	identified	identify	VERB
ajfti-2387	252	9	challenges	challenge	NOUN
ajfti-2387	252	10	,	,	PUNCT
ajfti-2387	252	11	provides	provide	VERB
ajfti-2387	252	12	a	a	DET
ajfti-2387	252	13	nuanced	nuanced	ADJ
ajfti-2387	252	14	understanding	understanding	NOUN
ajfti-2387	252	15	of	of	ADP
ajfti-2387	252	16	the	the	DET
ajfti-2387	252	17	dynamic	dynamic	ADJ
ajfti-2387	252	18	digital	digital	ADJ
ajfti-2387	252	19	landscape	landscape	NOUN
ajfti-2387	252	20	(	(	PUNCT
ajfti-2387	252	21	ghosh	ghosh	PROPN
ajfti-2387	252	22	et	et	PROPN
ajfti-2387	252	23	al	al	PROPN
ajfti-2387	252	24	.	.	PROPN
ajfti-2387	252	25	,	,	PUNCT
ajfti-2387	252	26	2022	2022	NUM
ajfti-2387	252	27	)	)	PUNCT
ajfti-2387	252	28	.	.	PUNCT
ajfti-2387	253	1	based	base	VERB
ajfti-2387	253	2	on	on	ADP
ajfti-2387	253	3	the	the	DET
ajfti-2387	253	4	study	study	NOUN
ajfti-2387	253	5	results	result	NOUN
ajfti-2387	253	6	,	,	PUNCT
ajfti-2387	253	7	transparency	transparency	NOUN
ajfti-2387	253	8	improvements	improvement	NOUN
ajfti-2387	253	9	,	,	PUNCT
ajfti-2387	253	10	further	further	ADJ
ajfti-2387	253	11	exploration	exploration	NOUN
ajfti-2387	253	12	of	of	ADP
ajfti-2387	253	13	digital	digital	ADJ
ajfti-2387	253	14	tools	tool	NOUN
ajfti-2387	253	15	,	,	PUNCT
ajfti-2387	253	16	and	and	CCONJ
ajfti-2387	253	17	addressing	address	VERB
ajfti-2387	253	18	barriers	barrier	NOUN
ajfti-2387	253	19	for	for	ADP
ajfti-2387	253	20	new	new	ADJ
ajfti-2387	253	21	entrants	entrant	NOUN
ajfti-2387	253	22	should	should	AUX
ajfti-2387	253	23	pa	pa	PROPN
ajfti-2387	253	24	ge	ge	PROPN
ajfti-2387	253	25	54	54	NUM
ajfti-2387	253	26	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2387	253	27	am	be	AUX
ajfti-2387	253	28	.	.	PUNCT
ajfti-2387	254	1	j.	j.	PROPN
ajfti-2387	254	2	financ	financ	PROPN
ajfti-2387	254	3	.	.	PUNCT
ajfti-2387	255	1	technol	technol	PROPN
ajfti-2387	255	2	.	.	PUNCT
ajfti-2387	255	3	innov	innov	PROPN
ajfti-2387	255	4	.	.	PUNCT
ajfti-2387	256	1	2(1	2(1	NUM
ajfti-2387	256	2	)	)	PUNCT
ajfti-2387	256	3	44	44	NUM
ajfti-2387	256	4	-	-	SYM
ajfti-2387	256	5	56	56	NUM
ajfti-2387	256	6	,	,	PUNCT
ajfti-2387	256	7	2024	2024	NUM
ajfti-2387	256	8	be	be	AUX
ajfti-2387	256	9	prioritized	prioritize	VERB
ajfti-2387	256	10	by	by	ADP
ajfti-2387	256	11	industry	industry	NOUN
ajfti-2387	256	12	stakeholders	stakeholder	NOUN
ajfti-2387	256	13	in	in	ADP
ajfti-2387	256	14	navigating	navigate	VERB
ajfti-2387	256	15	the	the	DET
ajfti-2387	256	16	evolving	evolve	VERB
ajfti-2387	256	17	terrain	terrain	NOUN
ajfti-2387	256	18	.	.	PUNCT
ajfti-2387	257	1	building	build	VERB
ajfti-2387	257	2	on	on	ADP
ajfti-2387	257	3	this	this	DET
ajfti-2387	257	4	foundation	foundation	NOUN
ajfti-2387	257	5	,	,	PUNCT
ajfti-2387	257	6	future	future	ADJ
ajfti-2387	257	7	research	research	NOUN
ajfti-2387	257	8	could	could	AUX
ajfti-2387	257	9	delve	delve	VERB
ajfti-2387	257	10	deeper	deeply	ADV
ajfti-2387	257	11	into	into	ADP
ajfti-2387	257	12	customer	customer	NOUN
ajfti-2387	257	13	perceptions	perception	NOUN
ajfti-2387	257	14	,	,	PUNCT
ajfti-2387	257	15	emerging	emerge	VERB
ajfti-2387	257	16	technologies	technology	NOUN
ajfti-2387	257	17	,	,	PUNCT
ajfti-2387	257	18	and	and	CCONJ
ajfti-2387	257	19	the	the	DET
ajfti-2387	257	20	interplay	interplay	NOUN
ajfti-2387	257	21	of	of	ADP
ajfti-2387	257	22	external	external	ADJ
ajfti-2387	257	23	market	market	NOUN
ajfti-2387	257	24	forces	force	NOUN
ajfti-2387	257	25	.	.	PUNCT
ajfti-2387	258	1	conclusion	conclusion	NOUN
ajfti-2387	258	2	in	in	ADP
ajfti-2387	258	3	conclusion	conclusion	NOUN
ajfti-2387	258	4	,	,	PUNCT
ajfti-2387	258	5	this	this	DET
ajfti-2387	258	6	study	study	NOUN
ajfti-2387	258	7	addressed	address	VERB
ajfti-2387	258	8	a	a	DET
ajfti-2387	258	9	critical	critical	ADJ
ajfti-2387	258	10	l	l	NOUN
ajfti-2387	258	11	gap	gap	NOUN
ajfti-2387	258	12	by	by	ADP
ajfti-2387	258	13	providing	provide	VERB
ajfti-2387	258	14	a	a	DET
ajfti-2387	258	15	synthesized	synthesize	VERB
ajfti-2387	258	16	conceptual	conceptual	ADJ
ajfti-2387	258	17	framework	framework	NOUN
ajfti-2387	258	18	that	that	PRON
ajfti-2387	258	19	incorporates	incorporate	VERB
ajfti-2387	258	20	established	establish	VERB
ajfti-2387	258	21	theories	theory	NOUN
ajfti-2387	258	22	to	to	PART
ajfti-2387	258	23	comprehensively	comprehensively	ADV
ajfti-2387	258	24	examine	examine	VERB
ajfti-2387	258	25	the	the	DET
ajfti-2387	258	26	complexities	complexity	NOUN
ajfti-2387	258	27	of	of	ADP
ajfti-2387	258	28	the	the	DET
ajfti-2387	258	29	digital	digital	ADJ
ajfti-2387	258	30	insurance	insurance	NOUN
ajfti-2387	258	31	sector	sector	NOUN
ajfti-2387	258	32	in	in	ADP
ajfti-2387	258	33	qatar	qatar	PROPN
ajfti-2387	258	34	.	.	PUNCT
ajfti-2387	259	1	the	the	DET
ajfti-2387	259	2	adoption	adoption	NOUN
ajfti-2387	259	3	of	of	ADP
ajfti-2387	259	4	a	a	DET
ajfti-2387	259	5	quantitative	quantitative	ADJ
ajfti-2387	259	6	research	research	NOUN
ajfti-2387	259	7	design	design	NOUN
ajfti-2387	259	8	and	and	CCONJ
ajfti-2387	259	9	a	a	DET
ajfti-2387	259	10	robust	robust	ADJ
ajfti-2387	259	11	theoretical	theoretical	ADJ
ajfti-2387	259	12	foundation	foundation	NOUN
ajfti-2387	259	13	allowed	allow	VERB
ajfti-2387	259	14	for	for	ADP
ajfti-2387	259	15	a	a	DET
ajfti-2387	259	16	nuanced	nuanced	ADJ
ajfti-2387	259	17	exploration	exploration	NOUN
ajfti-2387	259	18	of	of	ADP
ajfti-2387	259	19	challenges	challenge	NOUN
ajfti-2387	259	20	and	and	CCONJ
ajfti-2387	259	21	opportunities	opportunity	NOUN
ajfti-2387	259	22	.	.	PUNCT
ajfti-2387	260	1	the	the	DET
ajfti-2387	260	2	high	high	ADJ
ajfti-2387	260	3	r	r	NOUN
ajfti-2387	260	4	-	-	PUNCT
ajfti-2387	260	5	square	square	ADJ
ajfti-2387	260	6	value	value	NOUN
ajfti-2387	260	7	attests	attest	VERB
ajfti-2387	260	8	to	to	ADP
ajfti-2387	260	9	the	the	DET
ajfti-2387	260	10	model	model	NOUN
ajfti-2387	260	11	’s	’s	PART
ajfti-2387	260	12	reliability	reliability	NOUN
ajfti-2387	260	13	,	,	PUNCT
ajfti-2387	260	14	revealing	reveal	VERB
ajfti-2387	260	15	that	that	SCONJ
ajfti-2387	260	16	approximately	approximately	ADV
ajfti-2387	260	17	61.7	61.7	NUM
ajfti-2387	260	18	%	%	NOUN
ajfti-2387	260	19	of	of	ADP
ajfti-2387	260	20	the	the	DET
ajfti-2387	260	21	variance	variance	NOUN
ajfti-2387	260	22	in	in	ADP
ajfti-2387	260	23	challenges	challenge	NOUN
ajfti-2387	260	24	and	and	CCONJ
ajfti-2387	260	25	adoption	adoption	NOUN
ajfti-2387	260	26	of	of	ADP
ajfti-2387	260	27	digitization	digitization	NOUN
ajfti-2387	260	28	is	be	AUX
ajfti-2387	260	29	explained	explain	VERB
ajfti-2387	260	30	by	by	ADP
ajfti-2387	260	31	the	the	DET
ajfti-2387	260	32	included	include	VERB
ajfti-2387	260	33	predictors	predictor	NOUN
ajfti-2387	260	34	.	.	PUNCT
ajfti-2387	261	1	the	the	DET
ajfti-2387	261	2	positive	positive	ADJ
ajfti-2387	261	3	correlations	correlation	NOUN
ajfti-2387	261	4	among	among	ADP
ajfti-2387	261	5	challenges	challenge	NOUN
ajfti-2387	261	6	,	,	PUNCT
ajfti-2387	261	7	regulatory	regulatory	ADJ
ajfti-2387	261	8	impact	impact	NOUN
ajfti-2387	261	9	,	,	PUNCT
ajfti-2387	261	10	and	and	CCONJ
ajfti-2387	261	11	competitive	competitive	ADJ
ajfti-2387	261	12	rivalry	rivalry	NOUN
ajfti-2387	261	13	align	align	NOUN
ajfti-2387	261	14	with	with	ADP
ajfti-2387	261	15	existing	exist	VERB
ajfti-2387	261	16	literature	literature	NOUN
ajfti-2387	261	17	,	,	PUNCT
ajfti-2387	261	18	emphasizing	emphasize	VERB
ajfti-2387	261	19	the	the	DET
ajfti-2387	261	20	interconnected	interconnected	ADJ
ajfti-2387	261	21	nature	nature	NOUN
ajfti-2387	261	22	of	of	ADP
ajfti-2387	261	23	these	these	DET
ajfti-2387	261	24	factors	factor	NOUN
ajfti-2387	261	25	.	.	PUNCT
ajfti-2387	262	1	however	however	ADV
ajfti-2387	262	2	,	,	PUNCT
ajfti-2387	262	3	the	the	DET
ajfti-2387	262	4	non	non	ADJ
ajfti-2387	262	5	-	-	ADJ
ajfti-2387	262	6	significant	significant	ADJ
ajfti-2387	262	7	contribution	contribution	NOUN
ajfti-2387	262	8	of	of	ADP
ajfti-2387	262	9	security	security	NOUN
ajfti-2387	262	10	challenges	challenge	NOUN
ajfti-2387	262	11	and	and	CCONJ
ajfti-2387	262	12	market	market	NOUN
ajfti-2387	262	13	competitiveness	competitiveness	NOUN
ajfti-2387	262	14	calls	call	VERB
ajfti-2387	262	15	for	for	ADP
ajfti-2387	262	16	further	further	ADJ
ajfti-2387	262	17	exploration	exploration	NOUN
ajfti-2387	262	18	in	in	ADP
ajfti-2387	262	19	future	future	ADJ
ajfti-2387	262	20	research	research	NOUN
ajfti-2387	262	21	.	.	PUNCT
ajfti-2387	263	1	the	the	DET
ajfti-2387	263	2	study	study	NOUN
ajfti-2387	263	3	’s	’s	PART
ajfti-2387	263	4	findings	finding	NOUN
ajfti-2387	263	5	offer	offer	VERB
ajfti-2387	263	6	valuable	valuable	ADJ
ajfti-2387	263	7	insights	insight	NOUN
ajfti-2387	263	8	for	for	ADP
ajfti-2387	263	9	industry	industry	NOUN
ajfti-2387	263	10	stakeholders	stakeholder	NOUN
ajfti-2387	263	11	,	,	PUNCT
ajfti-2387	263	12	guiding	guide	VERB
ajfti-2387	263	13	efforts	effort	NOUN
ajfti-2387	263	14	to	to	PART
ajfti-2387	263	15	enhance	enhance	VERB
ajfti-2387	263	16	transparency	transparency	NOUN
ajfti-2387	263	17	,	,	PUNCT
ajfti-2387	263	18	explore	explore	VERB
ajfti-2387	263	19	digital	digital	ADJ
ajfti-2387	263	20	tools	tool	NOUN
ajfti-2387	263	21	,	,	PUNCT
ajfti-2387	263	22	and	and	CCONJ
ajfti-2387	263	23	address	address	VERB
ajfti-2387	263	24	barriers	barrier	NOUN
ajfti-2387	263	25	for	for	ADP
ajfti-2387	263	26	new	new	ADJ
ajfti-2387	263	27	entrants	entrant	NOUN
ajfti-2387	263	28	in	in	ADP
ajfti-2387	263	29	the	the	DET
ajfti-2387	263	30	everevolving	everevolve	VERB
ajfti-2387	263	31	digital	digital	ADJ
ajfti-2387	263	32	insurance	insurance	NOUN
ajfti-2387	263	33	landscape	landscape	NOUN
ajfti-2387	263	34	in	in	ADP
ajfti-2387	263	35	qatar	qatar	PROPN
ajfti-2387	263	36	.	.	PUNCT
ajfti-2387	264	1	references	reference	NOUN
ajfti-2387	264	2	abidi	abidi	PROPN
ajfti-2387	264	3	,	,	PUNCT
ajfti-2387	264	4	n.	n.	PROPN
ajfti-2387	264	5	,	,	PUNCT
ajfti-2387	264	6	el	el	PROPN
ajfti-2387	264	7	herradi	herradi	PROPN
ajfti-2387	264	8	,	,	PUNCT
ajfti-2387	264	9	m.	m.	NOUN
ajfti-2387	264	10	,	,	PUNCT
ajfti-2387	264	11	&	&	CCONJ
ajfti-2387	264	12	sakha	sakha	PROPN
ajfti-2387	264	13	,	,	PUNCT
ajfti-2387	264	14	s.	s.	PROPN
ajfti-2387	264	15	(	(	PUNCT
ajfti-2387	264	16	2022	2022	NUM
ajfti-2387	264	17	)	)	PUNCT
ajfti-2387	264	18	.	.	PUNCT
ajfti-2387	265	1	digitalization	digitalization	NOUN
ajfti-2387	265	2	and	and	CCONJ
ajfti-2387	265	3	resilience	resilience	NOUN
ajfti-2387	265	4	:	:	PUNCT
ajfti-2387	265	5	firm	firm	ADJ
ajfti-2387	265	6	-	-	PUNCT
ajfti-2387	265	7	level	level	NOUN
ajfti-2387	265	8	evidence	evidence	NOUN
ajfti-2387	265	9	during	during	ADP
ajfti-2387	265	10	the	the	DET
ajfti-2387	265	11	covid-19	covid-19	PROPN
ajfti-2387	265	12	pandemic	pandemic	NOUN
ajfti-2387	265	13	.	.	PUNCT
ajfti-2387	266	1	international	international	ADJ
ajfti-2387	266	2	monetary	monetary	ADJ
ajfti-2387	266	3	fund	fund	NOUN
ajfti-2387	266	4	.	.	PUNCT
ajfti-2387	267	1	aidrous	aidrous	ADJ
ajfti-2387	267	2	,	,	PUNCT
ajfti-2387	267	3	i.	i.	PROPN
ajfti-2387	267	4	a.	a.	PROPN
ajfti-2387	267	5	,	,	PUNCT
ajfti-2387	267	6	asmyatullin	asmyatullin	PROPN
ajfti-2387	267	7	,	,	PUNCT
ajfti-2387	267	8	r.	r.	PROPN
ajfti-2387	267	9	r.	r.	PROPN
ajfti-2387	267	10	,	,	PUNCT
ajfti-2387	267	11	&	&	CCONJ
ajfti-2387	267	12	glavina	glavina	PROPN
ajfti-2387	267	13	,	,	PUNCT
ajfti-2387	267	14	s.	s.	PROPN
ajfti-2387	267	15	g.	g.	PROPN
ajfti-2387	267	16	(	(	PUNCT
ajfti-2387	267	17	2021	2021	NUM
ajfti-2387	267	18	)	)	PUNCT
ajfti-2387	267	19	.	.	PUNCT
ajfti-2387	268	1	the	the	DET
ajfti-2387	268	2	development	development	NOUN
ajfti-2387	268	3	of	of	ADP
ajfti-2387	268	4	the	the	DET
ajfti-2387	268	5	digital	digital	ADJ
ajfti-2387	268	6	economy	economy	NOUN
ajfti-2387	268	7	:	:	PUNCT
ajfti-2387	268	8	gcc	gcc	NOUN
ajfti-2387	268	9	countries	country	NOUN
ajfti-2387	268	10	’	'	PUNCT
ajfti-2387	268	11	experience	experience	NOUN
ajfti-2387	268	12	.	.	PUNCT
ajfti-2387	269	1	in	in	ADP
ajfti-2387	269	2	industry	industry	NOUN
ajfti-2387	269	3	competitiveness	competitiveness	NOUN
ajfti-2387	269	4	:	:	PUNCT
ajfti-2387	269	5	digitalization	digitalization	NOUN
ajfti-2387	269	6	,	,	PUNCT
ajfti-2387	269	7	management	management	NOUN
ajfti-2387	269	8	,	,	PUNCT
ajfti-2387	269	9	and	and	CCONJ
ajfti-2387	269	10	integration	integration	NOUN
ajfti-2387	269	11	:	:	PUNCT
ajfti-2387	269	12	volume	volume	NOUN
ajfti-2387	269	13	2	2	NUM
ajfti-2387	269	14	.	.	PUNCT
ajfti-2387	269	15	al	al	PROPN
ajfti-2387	269	16	-	-	PUNCT
ajfti-2387	269	17	qurashi	qurashi	PROPN
ajfti-2387	269	18	,	,	PUNCT
ajfti-2387	269	19	h.	h.	PROPN
ajfti-2387	269	20	a.	a.	PROPN
ajfti-2387	269	21	(	(	PUNCT
ajfti-2387	269	22	2017	2017	NUM
ajfti-2387	269	23	)	)	PUNCT
ajfti-2387	269	24	.	.	PUNCT
ajfti-2387	270	1	investigating	investigate	VERB
ajfti-2387	270	2	the	the	DET
ajfti-2387	270	3	impact	impact	NOUN
ajfti-2387	270	4	of	of	ADP
ajfti-2387	270	5	aligning	align	VERB
ajfti-2387	270	6	accreditation	accreditation	NOUN
ajfti-2387	270	7	,	,	PUNCT
ajfti-2387	270	8	performance	performance	NOUN
ajfti-2387	270	9	,	,	PUNCT
ajfti-2387	270	10	and	and	CCONJ
ajfti-2387	270	11	quality	quality	NOUN
ajfti-2387	270	12	management	management	NOUN
ajfti-2387	270	13	on	on	ADP
ajfti-2387	270	14	hospital	hospital	NOUN
ajfti-2387	270	15	improvement	improvement	NOUN
ajfti-2387	270	16	:	:	PUNCT
ajfti-2387	270	17	the	the	DET
ajfti-2387	270	18	case	case	NOUN
ajfti-2387	270	19	of	of	ADP
ajfti-2387	270	20	saudi	saudi	PROPN
ajfti-2387	270	21	arabia	arabia	PROPN
ajfti-2387	270	22	(	(	PUNCT
ajfti-2387	270	23	doctoral	doctoral	ADJ
ajfti-2387	270	24	dissertation	dissertation	NOUN
ajfti-2387	270	25	,	,	PUNCT
ajfti-2387	270	26	brunel	brunel	PROPN
ajfti-2387	270	27	university	university	PROPN
ajfti-2387	270	28	london	london	PROPN
ajfti-2387	270	29	)	)	PUNCT
ajfti-2387	270	30	.	.	PUNCT
ajfti-2387	271	1	al	al	PROPN
ajfti-2387	271	2	malkawie	malkawie	PROPN
ajfti-2387	271	3	,	,	PUNCT
ajfti-2387	271	4	d.	d.	PROPN
ajfti-2387	271	5	(	(	PUNCT
ajfti-2387	271	6	2020	2020	NUM
ajfti-2387	271	7	)	)	PUNCT
ajfti-2387	271	8	.	.	PUNCT
ajfti-2387	272	1	bank	bank	NOUN
ajfti-2387	272	2	-	-	PUNCT
ajfti-2387	272	3	specific	specific	ADJ
ajfti-2387	272	4	and	and	CCONJ
ajfti-2387	272	5	macroeconomic	macroeconomic	ADJ
ajfti-2387	272	6	determinants	determinant	NOUN
ajfti-2387	272	7	of	of	ADP
ajfti-2387	272	8	islamic	islamic	ADJ
ajfti-2387	272	9	banks	bank	NOUN
ajfti-2387	272	10	’	'	PUNCT
ajfti-2387	272	11	profitability	profitability	NOUN
ajfti-2387	272	12	:	:	PUNCT
ajfti-2387	272	13	the	the	DET
ajfti-2387	272	14	case	case	NOUN
ajfti-2387	272	15	of	of	ADP
ajfti-2387	272	16	gcc	gcc	NOUN
ajfti-2387	272	17	countries	country	NOUN
ajfti-2387	272	18	(	(	PUNCT
ajfti-2387	272	19	master	master	NOUN
ajfti-2387	272	20	’s	’s	PART
ajfti-2387	272	21	thesis	thesis	NOUN
ajfti-2387	272	22	,	,	PUNCT
ajfti-2387	272	23	the	the	DET
ajfti-2387	272	24	british	british	ADJ
ajfti-2387	272	25	university	university	PROPN
ajfti-2387	272	26	in	in	ADP
ajfti-2387	272	27	dubai	dubai	PROPN
ajfti-2387	272	28	)	)	PUNCT
ajfti-2387	272	29	.	.	PUNCT
ajfti-2387	273	1	ali	ali	PROPN
ajfti-2387	273	2	,	,	PUNCT
ajfti-2387	273	3	i.	i.	PROPN
ajfti-2387	273	4	,	,	PUNCT
ajfti-2387	273	5	aboelmaged	aboelmage	VERB
ajfti-2387	273	6	,	,	PUNCT
ajfti-2387	273	7	m.	m.	NOUN
ajfti-2387	273	8	,	,	PUNCT
ajfti-2387	273	9	govindan	govindan	PROPN
ajfti-2387	273	10	,	,	PUNCT
ajfti-2387	273	11	k.	k.	PROPN
ajfti-2387	273	12	,	,	PUNCT
ajfti-2387	273	13	&	&	CCONJ
ajfti-2387	273	14	malik	malik	PROPN
ajfti-2387	273	15	,	,	PUNCT
ajfti-2387	273	16	m.	m.	NOUN
ajfti-2387	273	17	(	(	PUNCT
ajfti-2387	273	18	2023	2023	NUM
ajfti-2387	273	19	)	)	PUNCT
ajfti-2387	273	20	.	.	PUNCT
ajfti-2387	274	1	understanding	understand	VERB
ajfti-2387	274	2	the	the	DET
ajfti-2387	274	3	key	key	ADJ
ajfti-2387	274	4	determinants	determinant	NOUN
ajfti-2387	274	5	of	of	ADP
ajfti-2387	274	6	iot	iot	ADJ
ajfti-2387	274	7	adoption	adoption	NOUN
ajfti-2387	274	8	for	for	ADP
ajfti-2387	274	9	the	the	DET
ajfti-2387	274	10	digital	digital	ADJ
ajfti-2387	274	11	transformation	transformation	NOUN
ajfti-2387	274	12	of	of	ADP
ajfti-2387	274	13	the	the	DET
ajfti-2387	274	14	food	food	NOUN
ajfti-2387	274	15	and	and	CCONJ
ajfti-2387	274	16	beverage	beverage	NOUN
ajfti-2387	274	17	industry	industry	NOUN
ajfti-2387	274	18	.	.	PUNCT
ajfti-2387	275	1	industrial	industrial	ADJ
ajfti-2387	275	2	management	management	PROPN
ajfti-2387	275	3	&	&	CCONJ
ajfti-2387	275	4	data	data	PROPN
ajfti-2387	275	5	systems	system	NOUN
ajfti-2387	275	6	.	.	PUNCT
ajfti-2387	276	1	alkhazaleh	alkhazaleh	PROPN
ajfti-2387	276	2	,	,	PUNCT
ajfti-2387	276	3	a.	a.	PROPN
ajfti-2387	276	4	m.	m.	PROPN
ajfti-2387	276	5	k.	k.	PROPN
ajfti-2387	276	6	(	(	PUNCT
ajfti-2387	276	7	2021	2021	NUM
ajfti-2387	276	8	)	)	PUNCT
ajfti-2387	276	9	.	.	PUNCT
ajfti-2387	277	1	challenges	challenge	NOUN
ajfti-2387	277	2	and	and	CCONJ
ajfti-2387	277	3	opportunities	opportunity	NOUN
ajfti-2387	277	4	for	for	ADP
ajfti-2387	277	5	fintech	fintech	NOUN
ajfti-2387	277	6	startups	startup	NOUN
ajfti-2387	277	7	:	:	PUNCT
ajfti-2387	277	8	situation	situation	NOUN
ajfti-2387	277	9	in	in	ADP
ajfti-2387	277	10	the	the	DET
ajfti-2387	277	11	arab	arab	ADJ
ajfti-2387	277	12	world	world	NOUN
ajfti-2387	277	13	.	.	PUNCT
ajfti-2387	278	1	academy	academy	PROPN
ajfti-2387	278	2	of	of	ADP
ajfti-2387	278	3	accounting	accounting	PROPN
ajfti-2387	278	4	and	and	CCONJ
ajfti-2387	278	5	financial	financial	ADJ
ajfti-2387	278	6	studies	study	NOUN
ajfti-2387	278	7	journal	journal	NOUN
ajfti-2387	278	8	,	,	PUNCT
ajfti-2387	278	9	25(3	25(3	NUM
ajfti-2387	278	10	)	)	PUNCT
ajfti-2387	278	11	,	,	PUNCT
ajfti-2387	278	12	1	1	NUM
ajfti-2387	278	13	-	-	SYM
ajfti-2387	278	14	14	14	NUM
ajfti-2387	278	15	.	.	PUNCT
ajfti-2387	279	1	allen	allen	PROPN
ajfti-2387	279	2	,	,	PUNCT
ajfti-2387	279	3	f.	f.	PROPN
ajfti-2387	279	4	(	(	PUNCT
ajfti-2387	279	5	2021	2021	NUM
ajfti-2387	279	6	)	)	PUNCT
ajfti-2387	279	7	.	.	PUNCT
ajfti-2387	280	1	globalization	globalization	NOUN
ajfti-2387	280	2	of	of	ADP
ajfti-2387	280	3	finance	finance	NOUN
ajfti-2387	280	4	and	and	CCONJ
ajfti-2387	280	5	fintech	fintech	NOUN
ajfti-2387	280	6	in	in	ADP
ajfti-2387	280	7	the	the	DET
ajfti-2387	280	8	mena	mena	PROPN
ajfti-2387	280	9	region	region	PROPN
ajfti-2387	280	10	.	.	PUNCT
ajfti-2387	281	1	alnasr	alnasr	PROPN
ajfti-2387	281	2	,	,	PUNCT
ajfti-2387	281	3	n.	n.	PROPN
ajfti-2387	281	4	j.	j.	PROPN
ajfti-2387	281	5	n.	n.	PROPN
ajfti-2387	281	6	(	(	PUNCT
ajfti-2387	281	7	2022	2022	NUM
ajfti-2387	281	8	)	)	PUNCT
ajfti-2387	281	9	.	.	PUNCT
ajfti-2387	282	1	the	the	DET
ajfti-2387	282	2	adoption	adoption	NOUN
ajfti-2387	282	3	of	of	ADP
ajfti-2387	282	4	fintech	fintech	NOUN
ajfti-2387	282	5	:	:	PUNCT
ajfti-2387	282	6	the	the	DET
ajfti-2387	282	7	fintech	fintech	NOUN
ajfti-2387	282	8	ecosystem	ecosystem	NOUN
ajfti-2387	282	9	in	in	ADP
ajfti-2387	282	10	qatar	qatar	PROPN
ajfti-2387	282	11	with	with	ADP
ajfti-2387	282	12	a	a	DET
ajfti-2387	282	13	comparison	comparison	NOUN
ajfti-2387	282	14	to	to	ADP
ajfti-2387	282	15	other	other	ADJ
ajfti-2387	282	16	emerging	emerge	VERB
ajfti-2387	282	17	markets	market	NOUN
ajfti-2387	282	18	hamad	hamad	PROPN
ajfti-2387	282	19	bin	bin	PROPN
ajfti-2387	282	20	khalifa	khalifa	PROPN
ajfti-2387	282	21	university	university	PROPN
ajfti-2387	282	22	(	(	PUNCT
ajfti-2387	282	23	qatar	qatar	PROPN
ajfti-2387	282	24	)	)	PUNCT
ajfti-2387	282	25	]	]	PUNCT
ajfti-2387	282	26	.	.	PUNCT
ajfti-2387	283	1	bandyopadhyay	bandyopadhyay	NOUN
ajfti-2387	283	2	,	,	PUNCT
ajfti-2387	283	3	d.	d.	PROPN
ajfti-2387	283	4	,	,	PUNCT
ajfti-2387	283	5	&	&	CCONJ
ajfti-2387	283	6	sen	sen	PROPN
ajfti-2387	283	7	,	,	PUNCT
ajfti-2387	283	8	j.	j.	PROPN
ajfti-2387	283	9	(	(	PUNCT
ajfti-2387	283	10	2011	2011	NUM
ajfti-2387	283	11	)	)	PUNCT
ajfti-2387	283	12	.	.	PUNCT
ajfti-2387	284	1	internet	internet	NOUN
ajfti-2387	284	2	of	of	ADP
ajfti-2387	284	3	things	thing	NOUN
ajfti-2387	284	4	:	:	PUNCT
ajfti-2387	284	5	applications	application	NOUN
ajfti-2387	284	6	and	and	CCONJ
ajfti-2387	284	7	challenges	challenge	NOUN
ajfti-2387	284	8	in	in	ADP
ajfti-2387	284	9	technology	technology	NOUN
ajfti-2387	284	10	and	and	CCONJ
ajfti-2387	284	11	standardization	standardization	NOUN
ajfti-2387	284	12	.	.	PUNCT
ajfti-2387	285	1	wireless	wireless	ADJ
ajfti-2387	285	2	personal	personal	ADJ
ajfti-2387	285	3	communications	communication	NOUN
ajfti-2387	285	4	,	,	PUNCT
ajfti-2387	285	5	58	58	NUM
ajfti-2387	285	6	,	,	PUNCT
ajfti-2387	285	7	49–69	49–69	NUM
ajfti-2387	285	8	.	.	PUNCT
ajfti-2387	286	1	bohnert	bohnert	PROPN
ajfti-2387	286	2	,	,	PUNCT
ajfti-2387	286	3	a.	a.	NOUN
ajfti-2387	286	4	,	,	PUNCT
ajfti-2387	286	5	fritzsche	fritzsche	NOUN
ajfti-2387	286	6	,	,	PUNCT
ajfti-2387	286	7	a.	a.	PROPN
ajfti-2387	286	8	,	,	PUNCT
ajfti-2387	286	9	&	&	CCONJ
ajfti-2387	286	10	gregor	gregor	PROPN
ajfti-2387	286	11	,	,	PUNCT
ajfti-2387	286	12	s.	s.	PROPN
ajfti-2387	286	13	(	(	PUNCT
ajfti-2387	286	14	2019	2019	NUM
ajfti-2387	286	15	)	)	PUNCT
ajfti-2387	286	16	.	.	PUNCT
ajfti-2387	287	1	digital	digital	ADJ
ajfti-2387	287	2	agendas	agenda	NOUN
ajfti-2387	287	3	in	in	ADP
ajfti-2387	287	4	the	the	DET
ajfti-2387	287	5	insurance	insurance	NOUN
ajfti-2387	287	6	industry	industry	NOUN
ajfti-2387	287	7	:	:	PUNCT
ajfti-2387	287	8	the	the	DET
ajfti-2387	287	9	importance	importance	NOUN
ajfti-2387	287	10	of	of	ADP
ajfti-2387	287	11	comprehensive	comprehensive	ADJ
ajfti-2387	287	12	approaches	approach	NOUN
ajfti-2387	287	13	.	.	PUNCT
ajfti-2387	288	1	the	the	DET
ajfti-2387	288	2	geneva	geneva	PROPN
ajfti-2387	288	3	papers	paper	NOUN
ajfti-2387	288	4	on	on	ADP
ajfti-2387	288	5	risk	risk	NOUN
ajfti-2387	288	6	and	and	CCONJ
ajfti-2387	288	7	insurance	insurance	NOUN
ajfti-2387	288	8	issues	issue	NOUN
ajfti-2387	288	9	and	and	CCONJ
ajfti-2387	288	10	practice	practice	NOUN
ajfti-2387	288	11	,	,	PUNCT
ajfti-2387	288	12	44	44	NUM
ajfti-2387	288	13	,	,	PUNCT
ajfti-2387	288	14	1–19	1–19	PROPN
ajfti-2387	288	15	.	.	PUNCT
ajfti-2387	289	1	bohnsack	bohnsack	PROPN
ajfti-2387	289	2	,	,	PUNCT
ajfti-2387	289	3	r.	r.	PROPN
ajfti-2387	289	4	,	,	PUNCT
ajfti-2387	289	5	bidmon	bidmon	PROPN
ajfti-2387	289	6	,	,	PUNCT
ajfti-2387	289	7	c.	c.	PROPN
ajfti-2387	289	8	m.	m.	NOUN
ajfti-2387	289	9	,	,	PUNCT
ajfti-2387	289	10	&	&	CCONJ
ajfti-2387	289	11	pinkse	pinkse	PROPN
ajfti-2387	289	12	,	,	PUNCT
ajfti-2387	289	13	j.	j.	PROPN
ajfti-2387	289	14	(	(	PUNCT
ajfti-2387	289	15	2022	2022	NUM
ajfti-2387	289	16	)	)	PUNCT
ajfti-2387	289	17	.	.	PUNCT
ajfti-2387	290	1	sustainability	sustainability	NOUN
ajfti-2387	290	2	in	in	ADP
ajfti-2387	290	3	the	the	DET
ajfti-2387	290	4	digital	digital	ADJ
ajfti-2387	290	5	age	age	NOUN
ajfti-2387	290	6	:	:	PUNCT
ajfti-2387	290	7	intended	intend	VERB
ajfti-2387	290	8	and	and	CCONJ
ajfti-2387	290	9	unintended	unintended	ADJ
ajfti-2387	290	10	consequences	consequence	NOUN
ajfti-2387	290	11	of	of	ADP
ajfti-2387	290	12	digital	digital	ADJ
ajfti-2387	290	13	technologies	technology	NOUN
ajfti-2387	290	14	for	for	ADP
ajfti-2387	290	15	sustainable	sustainable	ADJ
ajfti-2387	290	16	development	development	NOUN
ajfti-2387	290	17	.	.	PUNCT
ajfti-2387	291	1	wiley	wiley	PROPN
ajfti-2387	291	2	.	.	PUNCT
ajfti-2387	292	1	brenner	brenner	PROPN
ajfti-2387	292	2	,	,	PUNCT
ajfti-2387	292	3	w.	w.	PROPN
ajfti-2387	292	4	,	,	PUNCT
ajfti-2387	292	5	van	van	PROPN
ajfti-2387	292	6	giffen	giffen	PROPN
ajfti-2387	292	7	,	,	PUNCT
ajfti-2387	292	8	b.	b.	PROPN
ajfti-2387	292	9	,	,	PUNCT
ajfti-2387	292	10	&	&	CCONJ
ajfti-2387	292	11	koehler	koehler	PROPN
ajfti-2387	292	12	,	,	PUNCT
ajfti-2387	292	13	j.	j.	PROPN
ajfti-2387	292	14	(	(	PUNCT
ajfti-2387	292	15	2022	2022	NUM
ajfti-2387	292	16	)	)	PUNCT
ajfti-2387	292	17	.	.	PUNCT
ajfti-2387	293	1	management	management	NOUN
ajfti-2387	293	2	of	of	ADP
ajfti-2387	293	3	artificial	artificial	ADJ
ajfti-2387	293	4	intelligence	intelligence	NOUN
ajfti-2387	293	5	:	:	PUNCT
ajfti-2387	293	6	feasibility	feasibility	NOUN
ajfti-2387	293	7	,	,	PUNCT
ajfti-2387	293	8	desirability	desirability	NOUN
ajfti-2387	293	9	,	,	PUNCT
ajfti-2387	293	10	and	and	CCONJ
ajfti-2387	293	11	viability	viability	NOUN
ajfti-2387	293	12	.	.	PUNCT
ajfti-2387	294	1	in	in	ADP
ajfti-2387	294	2	engineering	engineer	VERB
ajfti-2387	294	3	the	the	DET
ajfti-2387	294	4	transformation	transformation	NOUN
ajfti-2387	294	5	of	of	ADP
ajfti-2387	294	6	the	the	DET
ajfti-2387	294	7	enterprise	enterprise	NOUN
ajfti-2387	294	8	:	:	PUNCT
ajfti-2387	294	9	a	a	DET
ajfti-2387	294	10	design	design	NOUN
ajfti-2387	294	11	science	science	NOUN
ajfti-2387	294	12	research	research	NOUN
ajfti-2387	294	13	perspective	perspective	NOUN
ajfti-2387	294	14	(	(	PUNCT
ajfti-2387	294	15	pp	pp	ADJ
ajfti-2387	294	16	.	.	PUNCT
ajfti-2387	294	17	15–36	15–36	NUM
ajfti-2387	294	18	)	)	PUNCT
ajfti-2387	294	19	.	.	PUNCT
ajfti-2387	295	1	springer	springer	NOUN
ajfti-2387	295	2	.	.	PUNCT
ajfti-2387	296	1	cappiello	cappiello	PROPN
ajfti-2387	296	2	,	,	PUNCT
ajfti-2387	296	3	a.	a.	PROPN
ajfti-2387	296	4	,	,	PUNCT
ajfti-2387	296	5	&	&	CCONJ
ajfti-2387	296	6	cappiello	cappiello	PROPN
ajfti-2387	296	7	,	,	PUNCT
ajfti-2387	296	8	a.	a.	NOUN
ajfti-2387	296	9	(	(	PUNCT
ajfti-2387	296	10	2018	2018	NUM
ajfti-2387	296	11	)	)	PUNCT
ajfti-2387	296	12	.	.	PUNCT
ajfti-2387	297	1	digital	digital	ADJ
ajfti-2387	297	2	disruption	disruption	NOUN
ajfti-2387	297	3	and	and	CCONJ
ajfti-2387	297	4	insurtech	insurtech	NOUN
ajfti-2387	297	5	start	start	NOUN
ajfti-2387	297	6	-	-	PUNCT
ajfti-2387	297	7	ups	up	NOUN
ajfti-2387	297	8	:	:	PUNCT
ajfti-2387	297	9	risks	risk	NOUN
ajfti-2387	297	10	and	and	CCONJ
ajfti-2387	297	11	challenges	challenge	NOUN
ajfti-2387	297	12	.	.	PUNCT
ajfti-2387	298	1	in	in	ADP
ajfti-2387	298	2	technology	technology	NOUN
ajfti-2387	298	3	and	and	CCONJ
ajfti-2387	298	4	the	the	DET
ajfti-2387	298	5	insurance	insurance	NOUN
ajfti-2387	298	6	industry	industry	NOUN
ajfti-2387	298	7	:	:	PUNCT
ajfti-2387	298	8	re	re	VERB
ajfti-2387	298	9	-	-	VERB
ajfti-2387	298	10	configuring	configure	VERB
ajfti-2387	298	11	the	the	DET
ajfti-2387	298	12	competitive	competitive	ADJ
ajfti-2387	298	13	landscape	landscape	NOUN
ajfti-2387	298	14	(	(	PUNCT
ajfti-2387	298	15	pp	pp	ADJ
ajfti-2387	298	16	.	.	PUNCT
ajfti-2387	299	1	29–50	29–50	NUM
ajfti-2387	299	2	)	)	PUNCT
ajfti-2387	299	3	.	.	PUNCT
ajfti-2387	300	1	casula	casula	PROPN
ajfti-2387	300	2	,	,	PUNCT
ajfti-2387	300	3	m.	m.	NOUN
ajfti-2387	300	4	,	,	PUNCT
ajfti-2387	300	5	rangarajan	rangarajan	NOUN
ajfti-2387	300	6	,	,	PUNCT
ajfti-2387	300	7	n.	n.	NOUN
ajfti-2387	300	8	,	,	PUNCT
ajfti-2387	300	9	&	&	CCONJ
ajfti-2387	300	10	shields	shield	NOUN
ajfti-2387	300	11	,	,	PUNCT
ajfti-2387	300	12	p.	p.	NOUN
ajfti-2387	300	13	(	(	PUNCT
ajfti-2387	300	14	2021	2021	NUM
ajfti-2387	300	15	)	)	PUNCT
ajfti-2387	300	16	.	.	PUNCT
ajfti-2387	301	1	the	the	DET
ajfti-2387	301	2	potential	potential	NOUN
ajfti-2387	301	3	of	of	ADP
ajfti-2387	301	4	working	work	VERB
ajfti-2387	301	5	hypotheses	hypothesis	NOUN
ajfti-2387	301	6	for	for	ADP
ajfti-2387	301	7	deductive	deductive	ADJ
ajfti-2387	301	8	exploratory	exploratory	ADJ
ajfti-2387	301	9	research	research	NOUN
ajfti-2387	301	10	.	.	PUNCT
ajfti-2387	302	1	quality	quality	NOUN
ajfti-2387	302	2	&	&	CCONJ
ajfti-2387	302	3	quantity	quantity	NOUN
ajfti-2387	302	4	,	,	PUNCT
ajfti-2387	302	5	55(5	55(5	NUM
ajfti-2387	302	6	)	)	PUNCT
ajfti-2387	302	7	,	,	PUNCT
ajfti-2387	302	8	17031725	17031725	NUM
ajfti-2387	302	9	.	.	PUNCT
ajfti-2387	303	1	cherqaoui	cherqaoui	ADV
ajfti-2387	303	2	,	,	PUNCT
ajfti-2387	303	3	s.	s.	PROPN
ajfti-2387	303	4	(	(	PUNCT
ajfti-2387	303	5	2021	2021	NUM
ajfti-2387	303	6	)	)	PUNCT
ajfti-2387	303	7	.	.	PUNCT
ajfti-2387	304	1	covid-19	covid-19	PROPN
ajfti-2387	304	2	–	–	PUNCT
ajfti-2387	304	3	the	the	DET
ajfti-2387	304	4	catalyst	catalyst	NOUN
ajfti-2387	304	5	for	for	ADP
ajfti-2387	304	6	digital	digital	ADJ
ajfti-2387	304	7	transformation	transformation	NOUN
ajfti-2387	304	8	in	in	ADP
ajfti-2387	304	9	financial	financial	ADJ
ajfti-2387	304	10	services	service	NOUN
ajfti-2387	304	11	and	and	CCONJ
ajfti-2387	304	12	islamic	islamic	ADJ
ajfti-2387	304	13	fintech	fintech	NOUN
ajfti-2387	304	14	:	:	PUNCT
ajfti-2387	304	15	evidence	evidence	NOUN
ajfti-2387	304	16	from	from	ADP
ajfti-2387	304	17	qatar	qatar	PROPN
ajfti-2387	304	18	.	.	PUNCT
ajfti-2387	305	1	financial	financial	ADJ
ajfti-2387	305	2	management	management	NOUN
ajfti-2387	305	3	,	,	PUNCT
ajfti-2387	305	4	14(12	14(12	NUM
ajfti-2387	305	5	)	)	PUNCT
ajfti-2387	305	6	,	,	PUNCT
ajfti-2387	305	7	602	602	NUM
ajfti-2387	305	8	.	.	PUNCT
ajfti-2387	306	1	cherqaoui	cherqaoui	ADV
ajfti-2387	306	2	,	,	PUNCT
ajfti-2387	306	3	s.	s.	PROPN
ajfti-2387	306	4	(	(	PUNCT
ajfti-2387	306	5	2022	2022	NUM
ajfti-2387	306	6	)	)	PUNCT
ajfti-2387	306	7	.	.	PUNCT
ajfti-2387	307	1	islamic	islamic	ADJ
ajfti-2387	307	2	finance	finance	NOUN
ajfti-2387	307	3	growth	growth	NOUN
ajfti-2387	307	4	as	as	ADP
ajfti-2387	307	5	a	a	DET
ajfti-2387	307	6	catalyst	catalyst	NOUN
ajfti-2387	307	7	for	for	ADP
ajfti-2387	307	8	financial	financial	ADJ
ajfti-2387	307	9	development	development	NOUN
ajfti-2387	307	10	(	(	PUNCT
ajfti-2387	307	11	doctoral	doctoral	ADJ
ajfti-2387	307	12	dissertation	dissertation	NOUN
ajfti-2387	307	13	,	,	PUNCT
ajfti-2387	307	14	hamad	hamad	PROPN
ajfti-2387	307	15	bin	bin	PROPN
ajfti-2387	307	16	khalifa	khalifa	PROPN
ajfti-2387	307	17	university	university	PROPN
ajfti-2387	307	18	,	,	PUNCT
ajfti-2387	307	19	qatar	qatar	PROPN
ajfti-2387	307	20	)	)	PUNCT
ajfti-2387	307	21	.	.	PUNCT
ajfti-2387	308	1	ching	ching	PROPN
ajfti-2387	308	2	,	,	PUNCT
ajfti-2387	308	3	k.	k.	PROPN
ajfti-2387	308	4	h.	h.	PROPN
ajfti-2387	308	5	,	,	PUNCT
ajfti-2387	308	6	teoh	teoh	PROPN
ajfti-2387	308	7	,	,	PUNCT
ajfti-2387	308	8	a.	a.	NOUN
ajfti-2387	308	9	p.	p.	NOUN
ajfti-2387	308	10	,	,	PUNCT
ajfti-2387	308	11	&	&	CCONJ
ajfti-2387	308	12	amran	amran	PROPN
ajfti-2387	308	13	,	,	PUNCT
ajfti-2387	308	14	a.	a.	NOUN
ajfti-2387	308	15	(	(	PUNCT
ajfti-2387	308	16	2020	2020	NUM
ajfti-2387	308	17	)	)	PUNCT
ajfti-2387	308	18	.	.	PUNCT
ajfti-2387	309	1	a	a	DET
ajfti-2387	309	2	conceptual	conceptual	ADJ
ajfti-2387	309	3	model	model	NOUN
ajfti-2387	309	4	of	of	ADP
ajfti-2387	309	5	technology	technology	NOUN
ajfti-2387	309	6	factors	factor	NOUN
ajfti-2387	309	7	to	to	AUX
ajfti-2387	309	8	insurtech	insurtech	VERB
ajfti-2387	309	9	adoption	adoption	NOUN
ajfti-2387	309	10	by	by	ADP
ajfti-2387	309	11	value	value	NOUN
ajfti-2387	309	12	chain	chain	NOUN
ajfti-2387	309	13	activities	activity	NOUN
ajfti-2387	309	14	.	.	PUNCT
ajfti-2387	310	1	in	in	ADP
ajfti-2387	310	2	2020	2020	NUM
ajfti-2387	310	3	ieee	ieee	NOUN
ajfti-2387	310	4	conference	conference	NOUN
ajfti-2387	310	5	on	on	ADP
ajfti-2387	310	6	e	e	NOUN
ajfti-2387	310	7	-	-	ADJ
ajfti-2387	310	8	learning	learning	ADJ
ajfti-2387	310	9	,	,	PUNCT
ajfti-2387	310	10	e	e	NOUN
ajfti-2387	310	11	-	-	NOUN
ajfti-2387	310	12	management	management	NOUN
ajfti-2387	310	13	and	and	CCONJ
ajfti-2387	310	14	e	e	NOUN
ajfti-2387	310	15	-	-	NOUN
ajfti-2387	310	16	services	service	NOUN
ajfti-2387	310	17	(	(	PUNCT
ajfti-2387	310	18	ic3e	ic3e	NOUN
ajfti-2387	310	19	)	)	PUNCT
ajfti-2387	310	20	dahdal	dahdal	NOUN
ajfti-2387	310	21	,	,	PUNCT
ajfti-2387	310	22	a.	a.	NOUN
ajfti-2387	310	23	,	,	PUNCT
ajfti-2387	310	24	truby	truby	PROPN
ajfti-2387	310	25	,	,	PUNCT
ajfti-2387	310	26	j.	j.	PROPN
ajfti-2387	310	27	,	,	PUNCT
ajfti-2387	310	28	&	&	CCONJ
ajfti-2387	310	29	botosh	botosh	PROPN
ajfti-2387	310	30	,	,	PUNCT
ajfti-2387	310	31	h.	h.	PROPN
ajfti-2387	310	32	(	(	PUNCT
ajfti-2387	310	33	2020	2020	NUM
ajfti-2387	310	34	)	)	PUNCT
ajfti-2387	310	35	.	.	PUNCT
ajfti-2387	311	1	trade	trade	NOUN
ajfti-2387	311	2	finance	finance	NOUN
ajfti-2387	311	3	in	in	ADP
ajfti-2387	311	4	qatar	qatar	PROPN
ajfti-2387	311	5	:	:	PUNCT
ajfti-2387	312	1	blockchain	blockchain	PROPN
ajfti-2387	312	2	and	and	CCONJ
ajfti-2387	312	3	economic	economic	ADJ
ajfti-2387	312	4	diversification	diversification	NOUN
ajfti-2387	312	5	.	.	PUNCT
ajfti-2387	313	1	law	law	NOUN
ajfti-2387	313	2	and	and	CCONJ
ajfti-2387	313	3	financial	financial	ADJ
ajfti-2387	313	4	markets	market	NOUN
ajfti-2387	313	5	review	review	VERB
ajfti-2387	313	6	,	,	PUNCT
ajfti-2387	313	7	14(4	14(4	NUM
ajfti-2387	313	8	)	)	PUNCT
ajfti-2387	313	9	,	,	PUNCT
ajfti-2387	313	10	223–236	223–236	NUM
ajfti-2387	313	11	.	.	PUNCT
ajfti-2387	314	1	demeter	demeter	PROPN
ajfti-2387	314	2	,	,	PUNCT
ajfti-2387	314	3	k.	k.	PROPN
ajfti-2387	314	4	,	,	PUNCT
ajfti-2387	314	5	losonci	losonci	PROPN
ajfti-2387	314	6	,	,	PUNCT
ajfti-2387	314	7	d.	d.	PROPN
ajfti-2387	314	8	,	,	PUNCT
ajfti-2387	314	9	szalavetz	szalavetz	VERB
ajfti-2387	314	10	,	,	PUNCT
ajfti-2387	314	11	a.	a.	NOUN
ajfti-2387	314	12	,	,	PUNCT
ajfti-2387	314	13	&	&	CCONJ
ajfti-2387	314	14	baksa	baksa	PROPN
ajfti-2387	314	15	,	,	PUNCT
ajfti-2387	314	16	m.	m.	NOUN
ajfti-2387	314	17	(	(	PUNCT
ajfti-2387	314	18	2023	2023	NUM
ajfti-2387	314	19	)	)	PUNCT
ajfti-2387	314	20	.	.	PUNCT
ajfti-2387	315	1	strategic	strategic	ADJ
ajfti-2387	315	2	drivers	driver	NOUN
ajfti-2387	315	3	behind	behind	ADP
ajfti-2387	315	4	the	the	DET
ajfti-2387	315	5	digital	digital	ADJ
ajfti-2387	315	6	transformation	transformation	NOUN
ajfti-2387	315	7	of	of	ADP
ajfti-2387	315	8	subsidiaries	subsidiary	NOUN
ajfti-2387	315	9	:	:	PUNCT
ajfti-2387	315	10	a	a	DET
ajfti-2387	315	11	longitudinal	longitudinal	ADJ
ajfti-2387	315	12	approach	approach	NOUN
ajfti-2387	315	13	.	.	PUNCT
ajfti-2387	316	1	post	post	ADJ
ajfti-2387	316	2	-	-	ADJ
ajfti-2387	316	3	communist	communist	ADJ
ajfti-2387	316	4	economies	economy	NOUN
ajfti-2387	316	5	,	,	PUNCT
ajfti-2387	316	6	35(7	35(7	NUM
ajfti-2387	316	7	)	)	PUNCT
ajfti-2387	316	8	,	,	PUNCT
ajfti-2387	316	9	744	744	NUM
ajfti-2387	316	10	-	-	SYM
ajfti-2387	316	11	769	769	NUM
ajfti-2387	316	12	.	.	PUNCT
ajfti-2387	317	1	doss	doss	PROPN
ajfti-2387	317	2	,	,	PUNCT
ajfti-2387	317	3	s.	s.	PROPN
ajfti-2387	317	4	(	(	PUNCT
ajfti-2387	317	5	2020	2020	NUM
ajfti-2387	317	6	)	)	PUNCT
ajfti-2387	317	7	.	.	PUNCT
ajfti-2387	318	1	digital	digital	ADJ
ajfti-2387	318	2	disruption	disruption	NOUN
ajfti-2387	318	3	through	through	ADP
ajfti-2387	318	4	data	data	NOUN
ajfti-2387	318	5	science	science	NOUN
ajfti-2387	318	6	:	:	PUNCT
ajfti-2387	318	7	embracing	embrace	VERB
ajfti-2387	318	8	digital	digital	ADJ
ajfti-2387	318	9	innovation	innovation	NOUN
ajfti-2387	318	10	in	in	ADP
ajfti-2387	318	11	insurance	insurance	NOUN
ajfti-2387	318	12	business	business	NOUN
ajfti-2387	318	13	.	.	PUNCT
ajfti-2387	319	1	bimaquest	bimaquest	NOUN
ajfti-2387	319	2	,	,	PUNCT
ajfti-2387	319	3	20(3	20(3	NUM
ajfti-2387	319	4	)	)	PUNCT
ajfti-2387	319	5	.	.	PUNCT
ajfti-2387	320	1	eckert	eckert	PROPN
ajfti-2387	320	2	,	,	PUNCT
ajfti-2387	320	3	c.	c.	PROPN
ajfti-2387	320	4	,	,	PUNCT
ajfti-2387	320	5	&	&	CCONJ
ajfti-2387	320	6	osterrieder	osterrieder	PROPN
ajfti-2387	320	7	,	,	PUNCT
ajfti-2387	320	8	k.	k.	PROPN
ajfti-2387	320	9	(	(	PUNCT
ajfti-2387	320	10	2020	2020	NUM
ajfti-2387	320	11	)	)	PUNCT
ajfti-2387	320	12	.	.	PUNCT
ajfti-2387	321	1	how	how	SCONJ
ajfti-2387	321	2	digitalization	digitalization	NOUN
ajfti-2387	321	3	affects	affect	VERB
ajfti-2387	321	4	insurance	insurance	NOUN
ajfti-2387	321	5	companies	company	NOUN
ajfti-2387	321	6	:	:	PUNCT
ajfti-2387	321	7	overview	overview	NOUN
ajfti-2387	321	8	and	and	CCONJ
ajfti-2387	321	9	use	use	VERB
ajfti-2387	321	10	cases	case	NOUN
ajfti-2387	321	11	of	of	ADP
ajfti-2387	321	12	digital	digital	ADJ
ajfti-2387	321	13	technologies	technology	NOUN
ajfti-2387	321	14	.	.	PUNCT
ajfti-2387	322	1	zeitschrift	zeitschrift	PROPN
ajfti-2387	322	2	für	für	PROPN
ajfti-2387	322	3	die	die	VERB
ajfti-2387	322	4	gesamte	gesamte	PROPN
ajfti-2387	322	5	versicherungswissenschaft	versicherungswissenschaft	PROPN
ajfti-2387	322	6	,	,	PUNCT
ajfti-2387	322	7	109	109	NUM
ajfti-2387	322	8	,	,	PUNCT
ajfti-2387	322	9	333–360	333–360	NUM
ajfti-2387	322	10	.	.	PUNCT
ajfti-2387	323	1	el	el	PROPN
ajfti-2387	323	2	-	-	PUNCT
ajfti-2387	323	3	masri	masri	PROPN
ajfti-2387	323	4	,	,	PUNCT
ajfti-2387	323	5	m.	m.	NOUN
ajfti-2387	323	6	,	,	PUNCT
ajfti-2387	323	7	al	al	PROPN
ajfti-2387	323	8	-	-	PUNCT
ajfti-2387	323	9	yafi	yafi	PROPN
ajfti-2387	323	10	,	,	PUNCT
ajfti-2387	323	11	k.	k.	PROPN
ajfti-2387	323	12	,	,	PUNCT
ajfti-2387	323	13	&	&	CCONJ
ajfti-2387	323	14	samir	samir	PROPN
ajfti-2387	323	15	sherif	sherif	PROPN
ajfti-2387	323	16	,	,	PUNCT
ajfti-2387	323	17	k.	k.	PROPN
ajfti-2387	323	18	(	(	PUNCT
ajfti-2387	323	19	2019	2019	NUM
ajfti-2387	323	20	)	)	PUNCT
ajfti-2387	323	21	.	.	PUNCT
ajfti-2387	324	1	the	the	DET
ajfti-2387	324	2	digital	digital	ADJ
ajfti-2387	324	3	transformation	transformation	NOUN
ajfti-2387	324	4	of	of	ADP
ajfti-2387	324	5	fintech	fintech	NOUN
ajfti-2387	324	6	:	:	PUNCT
ajfti-2387	324	7	disruptions	disruption	NOUN
ajfti-2387	324	8	and	and	CCONJ
ajfti-2387	324	9	value	value	NOUN
ajfti-2387	324	10	paths	path	NOUN
ajfti-2387	324	11	.	.	PUNCT
ajfti-2387	325	1	eling	eling	PROPN
ajfti-2387	325	2	,	,	PUNCT
ajfti-2387	325	3	m.	m.	NOUN
ajfti-2387	325	4	,	,	PUNCT
ajfti-2387	325	5	&	&	CCONJ
ajfti-2387	325	6	lehmann	lehmann	PROPN
ajfti-2387	325	7	,	,	PUNCT
ajfti-2387	325	8	m.	m.	NOUN
ajfti-2387	325	9	(	(	PUNCT
ajfti-2387	325	10	2018	2018	NUM
ajfti-2387	325	11	)	)	PUNCT
ajfti-2387	325	12	.	.	PUNCT
ajfti-2387	326	1	the	the	DET
ajfti-2387	326	2	impact	impact	NOUN
ajfti-2387	326	3	of	of	ADP
ajfti-2387	326	4	digitalization	digitalization	NOUN
ajfti-2387	326	5	on	on	ADP
ajfti-2387	326	6	the	the	DET
ajfti-2387	326	7	insurance	insurance	NOUN
ajfti-2387	326	8	value	value	NOUN
ajfti-2387	326	9	chain	chain	NOUN
ajfti-2387	326	10	and	and	CCONJ
ajfti-2387	326	11	the	the	DET
ajfti-2387	326	12	pa	pa	PROPN
ajfti-2387	326	13	ge	ge	PROPN
ajfti-2387	326	14	55	55	NUM
ajfti-2387	326	15	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2387	326	16	am	be	AUX
ajfti-2387	326	17	.	.	PUNCT
ajfti-2387	327	1	j.	j.	PROPN
ajfti-2387	327	2	financ	financ	PROPN
ajfti-2387	327	3	.	.	PUNCT
ajfti-2387	328	1	technol	technol	PROPN
ajfti-2387	328	2	.	.	PUNCT
ajfti-2387	328	3	innov	innov	PROPN
ajfti-2387	328	4	.	.	PUNCT
ajfti-2387	329	1	2(1	2(1	NUM
ajfti-2387	329	2	)	)	PUNCT
ajfti-2387	329	3	44	44	NUM
ajfti-2387	329	4	-	-	SYM
ajfti-2387	329	5	56	56	NUM
ajfti-2387	329	6	,	,	PUNCT
ajfti-2387	329	7	2024	2024	NUM
ajfti-2387	329	8	insurability	insurability	NOUN
ajfti-2387	329	9	of	of	ADP
ajfti-2387	329	10	risks	risk	NOUN
ajfti-2387	329	11	.	.	PUNCT
ajfti-2387	330	1	the	the	DET
ajfti-2387	330	2	geneva	geneva	PROPN
ajfti-2387	330	3	papers	paper	NOUN
ajfti-2387	330	4	on	on	ADP
ajfti-2387	330	5	risk	risk	NOUN
ajfti-2387	330	6	and	and	CCONJ
ajfti-2387	330	7	insurance	insurance	NOUN
ajfti-2387	330	8	issues	issue	NOUN
ajfti-2387	330	9	and	and	CCONJ
ajfti-2387	330	10	practice	practice	NOUN
ajfti-2387	330	11	,	,	PUNCT
ajfti-2387	330	12	43	43	NUM
ajfti-2387	330	13	,	,	PUNCT
ajfti-2387	330	14	359–396	359–396	NUM
ajfti-2387	330	15	.	.	PUNCT
ajfti-2387	331	1	feghali	feghali	PROPN
ajfti-2387	331	2	,	,	PUNCT
ajfti-2387	331	3	k.	k.	PROPN
ajfti-2387	331	4	,	,	PUNCT
ajfti-2387	331	5	matta	matta	PROPN
ajfti-2387	331	6	,	,	PUNCT
ajfti-2387	331	7	j.	j.	PROPN
ajfti-2387	331	8	,	,	PUNCT
ajfti-2387	331	9	&	&	CCONJ
ajfti-2387	331	10	moussa	moussa	PROPN
ajfti-2387	331	11	,	,	PUNCT
ajfti-2387	331	12	s.	s.	PROPN
ajfti-2387	331	13	(	(	PUNCT
ajfti-2387	331	14	2022	2022	NUM
ajfti-2387	331	15	)	)	PUNCT
ajfti-2387	331	16	.	.	PUNCT
ajfti-2387	332	1	digital	digital	ADJ
ajfti-2387	332	2	transformation	transformation	NOUN
ajfti-2387	332	3	of	of	ADP
ajfti-2387	332	4	accounting	accounting	NOUN
ajfti-2387	332	5	practices	practice	NOUN
ajfti-2387	332	6	and	and	CCONJ
ajfti-2387	332	7	behavior	behavior	NOUN
ajfti-2387	332	8	during	during	ADP
ajfti-2387	332	9	covid-19	covid-19	PROPN
ajfti-2387	332	10	:	:	PUNCT
ajfti-2387	332	11	mena	mena	PROPN
ajfti-2387	332	12	evidence	evidence	NOUN
ajfti-2387	332	13	.	.	PUNCT
ajfti-2387	333	1	accounting	accounting	NOUN
ajfti-2387	333	2	and	and	CCONJ
ajfti-2387	333	3	management	management	NOUN
ajfti-2387	333	4	information	information	NOUN
ajfti-2387	333	5	systems	system	NOUN
ajfti-2387	333	6	,	,	PUNCT
ajfti-2387	333	7	21(2	21(2	NUM
ajfti-2387	333	8	)	)	PUNCT
ajfti-2387	333	9	,	,	PUNCT
ajfti-2387	333	10	236	236	NUM
ajfti-2387	333	11	-	-	SYM
ajfti-2387	333	12	269	269	NUM
ajfti-2387	333	13	.	.	PUNCT
ajfti-2387	334	1	ghosh	ghosh	PROPN
ajfti-2387	334	2	,	,	PUNCT
ajfti-2387	334	3	s.	s.	PROPN
ajfti-2387	334	4	,	,	PUNCT
ajfti-2387	334	5	hughes	hughes	PROPN
ajfti-2387	334	6	,	,	PUNCT
ajfti-2387	334	7	m.	m.	NOUN
ajfti-2387	334	8	,	,	PUNCT
ajfti-2387	334	9	hodgkinson	hodgkinson	PROPN
ajfti-2387	334	10	,	,	PUNCT
ajfti-2387	334	11	i.	i.	PROPN
ajfti-2387	334	12	,	,	PUNCT
ajfti-2387	334	13	&	&	CCONJ
ajfti-2387	334	14	hughes	hughes	PROPN
ajfti-2387	334	15	,	,	PUNCT
ajfti-2387	334	16	p.	p.	NOUN
ajfti-2387	334	17	(	(	PUNCT
ajfti-2387	334	18	2022	2022	NUM
ajfti-2387	334	19	)	)	PUNCT
ajfti-2387	334	20	.	.	PUNCT
ajfti-2387	335	1	digital	digital	ADJ
ajfti-2387	335	2	transformation	transformation	NOUN
ajfti-2387	335	3	of	of	ADP
ajfti-2387	335	4	industrial	industrial	ADJ
ajfti-2387	335	5	businesses	business	NOUN
ajfti-2387	335	6	:	:	PUNCT
ajfti-2387	335	7	a	a	DET
ajfti-2387	335	8	dynamic	dynamic	ADJ
ajfti-2387	335	9	capability	capability	NOUN
ajfti-2387	335	10	approach	approach	NOUN
ajfti-2387	335	11	.	.	PUNCT
ajfti-2387	336	1	technovation	technovation	NOUN
ajfti-2387	336	2	,	,	PUNCT
ajfti-2387	336	3	113	113	NUM
ajfti-2387	336	4	,	,	PUNCT
ajfti-2387	336	5	102414	102414	NUM
ajfti-2387	336	6	.	.	PUNCT
ajfti-2387	337	1	göll	göll	PROPN
ajfti-2387	337	2	,	,	PUNCT
ajfti-2387	337	3	e.	e.	PROPN
ajfti-2387	337	4	,	,	PUNCT
ajfti-2387	337	5	&	&	CCONJ
ajfti-2387	337	6	zwiers	zwier	NOUN
ajfti-2387	337	7	,	,	PUNCT
ajfti-2387	337	8	j.	j.	PROPN
ajfti-2387	337	9	(	(	PUNCT
ajfti-2387	337	10	2018	2018	NUM
ajfti-2387	337	11	)	)	PUNCT
ajfti-2387	337	12	.	.	PUNCT
ajfti-2387	338	1	technological	technological	ADJ
ajfti-2387	338	2	trends	trend	NOUN
ajfti-2387	338	3	in	in	ADP
ajfti-2387	338	4	the	the	DET
ajfti-2387	338	5	mena	mena	PROPN
ajfti-2387	338	6	region	region	PROPN
ajfti-2387	338	7	:	:	PUNCT
ajfti-2387	338	8	the	the	DET
ajfti-2387	338	9	cases	case	NOUN
ajfti-2387	338	10	of	of	ADP
ajfti-2387	338	11	digitalization	digitalization	NOUN
ajfti-2387	338	12	and	and	CCONJ
ajfti-2387	338	13	information	information	NOUN
ajfti-2387	338	14	and	and	CCONJ
ajfti-2387	338	15	communications	communication	NOUN
ajfti-2387	338	16	technology	technology	NOUN
ajfti-2387	338	17	(	(	PUNCT
ajfti-2387	338	18	ict	ict	PROPN
ajfti-2387	338	19	)	)	PUNCT
ajfti-2387	338	20	.	.	PUNCT
ajfti-2387	339	1	in	in	ADP
ajfti-2387	339	2	menara	menara	PROPN
ajfti-2387	339	3	istanbul	istanbul	PROPN
ajfti-2387	339	4	.	.	PUNCT
ajfti-2387	340	1	gopal	gopal	PROPN
ajfti-2387	340	2	,	,	PUNCT
ajfti-2387	340	3	m.	m.	NOUN
ajfti-2387	340	4	,	,	PUNCT
ajfti-2387	340	5	&	&	CCONJ
ajfti-2387	340	6	schnabl	schnabl	PROPN
ajfti-2387	340	7	,	,	PUNCT
ajfti-2387	340	8	p.	p.	NOUN
ajfti-2387	340	9	(	(	PUNCT
ajfti-2387	340	10	2022	2022	NUM
ajfti-2387	340	11	)	)	PUNCT
ajfti-2387	340	12	.	.	PUNCT
ajfti-2387	341	1	the	the	DET
ajfti-2387	341	2	rise	rise	NOUN
ajfti-2387	341	3	of	of	ADP
ajfti-2387	341	4	finance	finance	NOUN
ajfti-2387	341	5	companies	company	NOUN
ajfti-2387	341	6	and	and	CCONJ
ajfti-2387	341	7	fintech	fintech	NOUN
ajfti-2387	341	8	lenders	lender	NOUN
ajfti-2387	341	9	in	in	ADP
ajfti-2387	341	10	small	small	ADJ
ajfti-2387	341	11	business	business	NOUN
ajfti-2387	341	12	lending	lending	NOUN
ajfti-2387	341	13	.	.	PUNCT
ajfti-2387	342	1	the	the	DET
ajfti-2387	342	2	review	review	NOUN
ajfti-2387	342	3	of	of	ADP
ajfti-2387	342	4	financial	financial	ADJ
ajfti-2387	342	5	studies	study	NOUN
ajfti-2387	342	6	,	,	PUNCT
ajfti-2387	342	7	35(11	35(11	NUM
ajfti-2387	342	8	)	)	PUNCT
ajfti-2387	342	9	,	,	PUNCT
ajfti-2387	342	10	4859	4859	NUM
ajfti-2387	342	11	–	–	PUNCT
ajfti-2387	342	12	4901	4901	NUM
ajfti-2387	342	13	.	.	PUNCT
ajfti-2387	343	1	grima	grima	PROPN
ajfti-2387	343	2	,	,	PUNCT
ajfti-2387	343	3	s.	s.	PROPN
ajfti-2387	343	4	,	,	PUNCT
ajfti-2387	343	5	spiteri	spiteri	PROPN
ajfti-2387	343	6	,	,	PUNCT
ajfti-2387	343	7	j.	j.	PROPN
ajfti-2387	343	8	,	,	PUNCT
ajfti-2387	343	9	&	&	CCONJ
ajfti-2387	343	10	romānova	romānova	PROPN
ajfti-2387	343	11	,	,	PUNCT
ajfti-2387	343	12	i.	i.	PROPN
ajfti-2387	343	13	(	(	PUNCT
ajfti-2387	343	14	2020	2020	NUM
ajfti-2387	343	15	)	)	PUNCT
ajfti-2387	343	16	.	.	PUNCT
ajfti-2387	344	1	a	a	DET
ajfti-2387	344	2	steep	steep	ADJ
ajfti-2387	344	3	framework	framework	NOUN
ajfti-2387	344	4	analysis	analysis	NOUN
ajfti-2387	344	5	of	of	ADP
ajfti-2387	344	6	the	the	DET
ajfti-2387	344	7	key	key	ADJ
ajfti-2387	344	8	factors	factor	NOUN
ajfti-2387	344	9	impacting	impact	VERB
ajfti-2387	344	10	the	the	DET
ajfti-2387	344	11	use	use	NOUN
ajfti-2387	344	12	of	of	ADP
ajfti-2387	344	13	blockchain	blockchain	PROPN
ajfti-2387	344	14	technology	technology	PROPN
ajfti-2387	344	15	in	in	ADP
ajfti-2387	344	16	the	the	DET
ajfti-2387	344	17	insurance	insurance	NOUN
ajfti-2387	344	18	industry	industry	NOUN
ajfti-2387	344	19	.	.	PUNCT
ajfti-2387	345	1	the	the	DET
ajfti-2387	345	2	geneva	geneva	PROPN
ajfti-2387	345	3	papers	paper	NOUN
ajfti-2387	345	4	on	on	ADP
ajfti-2387	345	5	risk	risk	NOUN
ajfti-2387	345	6	and	and	CCONJ
ajfti-2387	345	7	insurance	insurance	NOUN
ajfti-2387	345	8	-	-	PUNCT
ajfti-2387	345	9	issues	issue	NOUN
ajfti-2387	345	10	and	and	CCONJ
ajfti-2387	345	11	practice	practice	NOUN
ajfti-2387	345	12	,	,	PUNCT
ajfti-2387	345	13	45	45	NUM
ajfti-2387	345	14	,	,	PUNCT
ajfti-2387	345	15	398	398	NUM
ajfti-2387	345	16	-	-	SYM
ajfti-2387	345	17	425	425	NUM
ajfti-2387	345	18	.	.	PUNCT
ajfti-2387	346	1	halim	halim	PROPN
ajfti-2387	346	2	,	,	PUNCT
ajfti-2387	346	3	z.	z.	PROPN
ajfti-2387	346	4	,	,	PUNCT
ajfti-2387	346	5	durya	durya	NOUN
ajfti-2387	346	6	,	,	PUNCT
ajfti-2387	346	7	n.	n.	PROPN
ajfti-2387	346	8	p.	p.	PROPN
ajfti-2387	346	9	m.	m.	PROPN
ajfti-2387	346	10	a.	a.	PROPN
ajfti-2387	346	11	,	,	PUNCT
ajfti-2387	346	12	kraugusteeliana	kraugusteeliana	PROPN
ajfti-2387	346	13	,	,	PUNCT
ajfti-2387	346	14	k.	k.	PROPN
ajfti-2387	346	15	,	,	PUNCT
ajfti-2387	346	16	suherlan	suherlan	PROPN
ajfti-2387	346	17	,	,	PUNCT
ajfti-2387	346	18	s.	s.	PROPN
ajfti-2387	346	19	,	,	PUNCT
ajfti-2387	346	20	&	&	CCONJ
ajfti-2387	346	21	alfisyahrin	alfisyahrin	PROPN
ajfti-2387	346	22	,	,	PUNCT
ajfti-2387	346	23	a.	a.	PROPN
ajfti-2387	346	24	l.	l.	PROPN
ajfti-2387	346	25	(	(	PUNCT
ajfti-2387	346	26	2023	2023	NUM
ajfti-2387	346	27	)	)	PUNCT
ajfti-2387	346	28	.	.	PUNCT
ajfti-2387	347	1	ethics	ethic	NOUN
ajfti-2387	347	2	-	-	PUNCT
ajfti-2387	347	3	based	base	VERB
ajfti-2387	347	4	leadership	leadership	NOUN
ajfti-2387	347	5	in	in	ADP
ajfti-2387	347	6	managing	manage	VERB
ajfti-2387	347	7	information	information	NOUN
ajfti-2387	347	8	security	security	NOUN
ajfti-2387	347	9	and	and	CCONJ
ajfti-2387	347	10	data	datum	NOUN
ajfti-2387	347	11	privacy	privacy	NOUN
ajfti-2387	347	12	.	.	PUNCT
ajfti-2387	348	1	jurnal	jurnal	ADJ
ajfti-2387	348	2	minfo	minfo	NOUN
ajfti-2387	348	3	polgan	polgan	VERB
ajfti-2387	348	4	,	,	PUNCT
ajfti-2387	348	5	12(2	12(2	NUM
ajfti-2387	348	6	)	)	PUNCT
ajfti-2387	348	7	,	,	PUNCT
ajfti-2387	348	8	1819	1819	NUM
ajfti-2387	348	9	-	-	SYM
ajfti-2387	348	10	1828	1828	NUM
ajfti-2387	348	11	.	.	PUNCT
ajfti-2387	349	1	hanafizadeh	hanafizadeh	PROPN
ajfti-2387	349	2	,	,	PUNCT
ajfti-2387	349	3	p.	p.	PROPN
ajfti-2387	349	4	,	,	PUNCT
ajfti-2387	349	5	&	&	CCONJ
ajfti-2387	349	6	amin	amin	PROPN
ajfti-2387	349	7	,	,	PUNCT
ajfti-2387	349	8	m.	m.	NOUN
ajfti-2387	349	9	g.	g.	PROPN
ajfti-2387	349	10	(	(	PUNCT
ajfti-2387	349	11	2023	2023	NUM
ajfti-2387	349	12	)	)	PUNCT
ajfti-2387	349	13	.	.	PUNCT
ajfti-2387	350	1	the	the	DET
ajfti-2387	350	2	transformative	transformative	ADJ
ajfti-2387	350	3	potential	potential	NOUN
ajfti-2387	350	4	of	of	ADP
ajfti-2387	350	5	banking	banking	NOUN
ajfti-2387	350	6	service	service	NOUN
ajfti-2387	350	7	domains	domain	NOUN
ajfti-2387	350	8	with	with	ADP
ajfti-2387	350	9	the	the	DET
ajfti-2387	350	10	emergence	emergence	NOUN
ajfti-2387	350	11	of	of	ADP
ajfti-2387	350	12	fintechs	fintech	NOUN
ajfti-2387	350	13	.	.	PUNCT
ajfti-2387	351	1	journal	journal	PROPN
ajfti-2387	351	2	of	of	ADP
ajfti-2387	351	3	financial	financial	ADJ
ajfti-2387	351	4	services	service	NOUN
ajfti-2387	351	5	marketing	marketing	NOUN
ajfti-2387	351	6	,	,	PUNCT
ajfti-2387	351	7	28(3	28(3	NUM
ajfti-2387	351	8	)	)	PUNCT
ajfti-2387	351	9	,	,	PUNCT
ajfti-2387	351	10	411	411	NUM
ajfti-2387	351	11	-	-	SYM
ajfti-2387	351	12	447	447	NUM
ajfti-2387	351	13	.	.	PUNCT
ajfti-2387	352	1	haron	haron	PROPN
ajfti-2387	352	2	,	,	PUNCT
ajfti-2387	352	3	a.	a.	PROPN
ajfti-2387	352	4	(	(	PUNCT
ajfti-2387	352	5	2016	2016	NUM
ajfti-2387	352	6	)	)	PUNCT
ajfti-2387	352	7	.	.	PUNCT
ajfti-2387	353	1	e	e	X
ajfti-2387	353	2	-	-	NOUN
ajfti-2387	353	3	commerce	commerce	NOUN
ajfti-2387	353	4	innovations	innovation	NOUN
ajfti-2387	353	5	and	and	CCONJ
ajfti-2387	353	6	customer	customer	NOUN
ajfti-2387	353	7	perceptions	perception	NOUN
ajfti-2387	353	8	in	in	ADP
ajfti-2387	353	9	qatar	qatar	NOUN
ajfti-2387	353	10	.	.	PUNCT
ajfti-2387	354	1	international	international	ADJ
ajfti-2387	354	2	journal	journal	PROPN
ajfti-2387	354	3	of	of	ADP
ajfti-2387	354	4	economics	economic	NOUN
ajfti-2387	354	5	and	and	CCONJ
ajfti-2387	354	6	management	management	NOUN
ajfti-2387	354	7	sciences	science	NOUN
ajfti-2387	354	8	,	,	PUNCT
ajfti-2387	354	9	4	4	NUM
ajfti-2387	354	10	,	,	PUNCT
ajfti-2387	354	11	310	310	NUM
ajfti-2387	354	12	.	.	PUNCT
ajfti-2387	355	1	hassan	hassan	PROPN
ajfti-2387	355	2	,	,	PUNCT
ajfti-2387	355	3	m.	m.	NOUN
ajfti-2387	355	4	a.	a.	PROPN
ajfti-2387	355	5	,	,	PUNCT
ajfti-2387	355	6	&	&	CCONJ
ajfti-2387	355	7	shukur	shukur	PROPN
ajfti-2387	355	8	,	,	PUNCT
ajfti-2387	355	9	z.	z.	PROPN
ajfti-2387	355	10	(	(	PUNCT
ajfti-2387	355	11	2019	2019	NUM
ajfti-2387	355	12	)	)	PUNCT
ajfti-2387	355	13	.	.	PUNCT
ajfti-2387	356	1	review	review	NOUN
ajfti-2387	356	2	of	of	ADP
ajfti-2387	356	3	digital	digital	ADJ
ajfti-2387	356	4	wallet	wallet	NOUN
ajfti-2387	356	5	requirements	requirement	NOUN
ajfti-2387	356	6	.	.	PUNCT
ajfti-2387	357	1	in	in	ADP
ajfti-2387	357	2	2019	2019	NUM
ajfti-2387	357	3	international	international	ADJ
ajfti-2387	357	4	conference	conference	NOUN
ajfti-2387	357	5	on	on	ADP
ajfti-2387	357	6	cybersecurity	cybersecurity	NOUN
ajfti-2387	357	7	(	(	PUNCT
ajfti-2387	357	8	icocsec	icocsec	ADJ
ajfti-2387	357	9	)	)	PUNCT
ajfti-2387	357	10	hub	hub	NOUN
ajfti-2387	357	11	,	,	PUNCT
ajfti-2387	357	12	q.	q.	PROPN
ajfti-2387	357	13	f.	f.	PROPN
ajfti-2387	357	14	(	(	PUNCT
ajfti-2387	357	15	2021	2021	NUM
ajfti-2387	357	16	)	)	PUNCT
ajfti-2387	357	17	.	.	PUNCT
ajfti-2387	358	1	from	from	ADP
ajfti-2387	358	2	qatar	qatar	PROPN
ajfti-2387	358	3	to	to	ADP
ajfti-2387	358	4	the	the	DET
ajfti-2387	358	5	world	world	NOUN
ajfti-2387	358	6	:	:	PUNCT
ajfti-2387	358	7	a	a	DET
ajfti-2387	358	8	report	report	NOUN
ajfti-2387	358	9	on	on	ADP
ajfti-2387	358	10	the	the	DET
ajfti-2387	358	11	state	state	NOUN
ajfti-2387	358	12	of	of	ADP
ajfti-2387	358	13	fintech	fintech	NOUN
ajfti-2387	358	14	in	in	ADP
ajfti-2387	358	15	qatar	qatar	PROPN
ajfti-2387	358	16	(	(	PUNCT
ajfti-2387	358	17	2021	2021	NUM
ajfti-2387	358	18	)	)	PUNCT
ajfti-2387	358	19	.	.	PUNCT
ajfti-2387	359	1	hujaimi	hujaimi	PROPN
ajfti-2387	359	2	,	,	PUNCT
ajfti-2387	359	3	s.	s.	PROPN
ajfti-2387	359	4	a.-z	a.-z	PROPN
ajfti-2387	359	5	.	.	PUNCT
ajfti-2387	359	6	,	,	PUNCT
ajfti-2387	359	7	khalaf	khalaf	PROPN
ajfti-2387	359	8	,	,	PUNCT
ajfti-2387	359	9	s.	s.	PROPN
ajfti-2387	359	10	t.	t.	PROPN
ajfti-2387	359	11	,	,	PUNCT
ajfti-2387	359	12	&	&	CCONJ
ajfti-2387	359	13	muslim	muslim	PROPN
ajfti-2387	359	14	,	,	PUNCT
ajfti-2387	359	15	h.	h.	PROPN
ajfti-2387	359	16	s.	s.	PROPN
ajfti-2387	359	17	(	(	PUNCT
ajfti-2387	359	18	2022	2022	NUM
ajfti-2387	359	19	)	)	PUNCT
ajfti-2387	359	20	.	.	PUNCT
ajfti-2387	360	1	smart	smart	ADJ
ajfti-2387	360	2	insurance	insurance	NOUN
ajfti-2387	360	3	and	and	CCONJ
ajfti-2387	360	4	the	the	DET
ajfti-2387	360	5	missing	miss	VERB
ajfti-2387	360	6	contribution	contribution	NOUN
ajfti-2387	360	7	to	to	ADP
ajfti-2387	360	8	sustainable	sustainable	ADJ
ajfti-2387	360	9	development	development	NOUN
ajfti-2387	360	10	in	in	ADP
ajfti-2387	360	11	iraq	iraq	PROPN
ajfti-2387	360	12	.	.	PUNCT
ajfti-2387	361	1	webology	webology	NOUN
ajfti-2387	361	2	,	,	PUNCT
ajfti-2387	361	3	19(1	19(1	NUM
ajfti-2387	361	4	)	)	PUNCT
ajfti-2387	361	5	,	,	PUNCT
ajfti-2387	361	6	4213	4213	NUM
ajfti-2387	361	7	-	-	SYM
ajfti-2387	361	8	4231	4231	NUM
ajfti-2387	361	9	.	.	PUNCT
ajfti-2387	362	1	ibrahim	ibrahim	PROPN
ajfti-2387	362	2	,	,	PUNCT
ajfti-2387	362	3	h.	h.	PROPN
ajfti-2387	362	4	,	,	PUNCT
ajfti-2387	362	5	kamour	kamour	PROPN
ajfti-2387	362	6	,	,	PUNCT
ajfti-2387	362	7	a.	a.	NOUN
ajfti-2387	362	8	m.	m.	NOUN
ajfti-2387	362	9	,	,	PUNCT
ajfti-2387	362	10	harhara	harhara	PROPN
ajfti-2387	362	11	,	,	PUNCT
ajfti-2387	362	12	t.	t.	PROPN
ajfti-2387	362	13	,	,	PUNCT
ajfti-2387	362	14	gaba	gaba	PROPN
ajfti-2387	362	15	,	,	PUNCT
ajfti-2387	362	16	w.	w.	PROPN
ajfti-2387	362	17	h.	h.	PROPN
ajfti-2387	362	18	,	,	PUNCT
ajfti-2387	362	19	&	&	CCONJ
ajfti-2387	362	20	nair	nair	PROPN
ajfti-2387	362	21	,	,	PUNCT
ajfti-2387	362	22	s.	s.	PROPN
ajfti-2387	362	23	c.	c.	PROPN
ajfti-2387	362	24	(	(	PUNCT
ajfti-2387	362	25	2020	2020	NUM
ajfti-2387	362	26	)	)	PUNCT
ajfti-2387	362	27	.	.	PUNCT
ajfti-2387	363	1	covid-19	covid-19	PROPN
ajfti-2387	363	2	pandemic	pandemic	ADJ
ajfti-2387	363	3	research	research	NOUN
ajfti-2387	363	4	opportunity	opportunity	NOUN
ajfti-2387	363	5	:	:	PUNCT
ajfti-2387	363	6	is	be	AUX
ajfti-2387	363	7	the	the	DET
ajfti-2387	363	8	middle	middle	PROPN
ajfti-2387	363	9	east	east	PROPN
ajfti-2387	363	10	&	&	CCONJ
ajfti-2387	363	11	north	north	PROPN
ajfti-2387	363	12	africa	africa	PROPN
ajfti-2387	363	13	(	(	PUNCT
ajfti-2387	363	14	mena	mena	PROPN
ajfti-2387	363	15	)	)	PUNCT
ajfti-2387	363	16	missing	miss	VERB
ajfti-2387	363	17	out	out	ADP
ajfti-2387	363	18	?	?	PUNCT
ajfti-2387	364	1	contemporary	contemporary	ADJ
ajfti-2387	364	2	clinical	clinical	ADJ
ajfti-2387	364	3	trials	trial	NOUN
ajfti-2387	364	4	,	,	PUNCT
ajfti-2387	364	5	96	96	NUM
ajfti-2387	364	6	,	,	PUNCT
ajfti-2387	364	7	106106	106106	NUM
ajfti-2387	364	8	.	.	PUNCT
ajfti-2387	365	1	ibrahim	ibrahim	PROPN
ajfti-2387	365	2	,	,	PUNCT
ajfti-2387	365	3	i.	i.	PROPN
ajfti-2387	365	4	,	,	PUNCT
ajfti-2387	365	5	antoine	antoine	PROPN
ajfti-2387	365	6	,	,	PUNCT
ajfti-2387	365	7	&	&	CCONJ
ajfti-2387	365	8	trubyjon	trubyjon	NOUN
ajfti-2387	365	9	.	.	PUNCT
ajfti-2387	366	1	(	(	PUNCT
ajfti-2387	366	2	2021	2021	NUM
ajfti-2387	366	3	)	)	PUNCT
ajfti-2387	366	4	.	.	PUNCT
ajfti-2387	367	1	governance	governance	NOUN
ajfti-2387	367	2	in	in	ADP
ajfti-2387	367	3	the	the	DET
ajfti-2387	367	4	era	era	NOUN
ajfti-2387	367	5	of	of	ADP
ajfti-2387	367	6	blockchain	blockchain	PROPN
ajfti-2387	367	7	technology	technology	PROPN
ajfti-2387	367	8	in	in	ADP
ajfti-2387	367	9	qatar	qatar	PROPN
ajfti-2387	367	10	:	:	PUNCT
ajfti-2387	367	11	a	a	DET
ajfti-2387	367	12	roadmap	roadmap	NOUN
ajfti-2387	367	13	and	and	CCONJ
ajfti-2387	367	14	a	a	DET
ajfti-2387	367	15	manual	manual	NOUN
ajfti-2387	367	16	for	for	ADP
ajfti-2387	367	17	trade	trade	NOUN
ajfti-2387	367	18	finance	finance	NOUN
ajfti-2387	367	19	.	.	PUNCT
ajfti-2387	368	1	journal	journal	NOUN
ajfti-2387	368	2	of	of	ADP
ajfti-2387	368	3	banking	banking	NOUN
ajfti-2387	368	4	regulation	regulation	NOUN
ajfti-2387	368	5	,	,	PUNCT
ajfti-2387	368	6	1	1	NUM
ajfti-2387	368	7	-	-	SYM
ajfti-2387	368	8	20	20	NUM
ajfti-2387	368	9	.	.	PUNCT
ajfti-2387	369	1	johnson	johnson	PROPN
ajfti-2387	369	2	,	,	PUNCT
ajfti-2387	369	3	s.	s.	PROPN
ajfti-2387	369	4	l.	l.	PROPN
ajfti-2387	369	5	,	,	PUNCT
ajfti-2387	369	6	gray	gray	ADJ
ajfti-2387	369	7	,	,	PUNCT
ajfti-2387	369	8	p.	p.	PROPN
ajfti-2387	369	9	,	,	PUNCT
ajfti-2387	369	10	&	&	CCONJ
ajfti-2387	369	11	sarker	sarker	PROPN
ajfti-2387	369	12	,	,	PUNCT
ajfti-2387	369	13	s.	s.	PROPN
ajfti-2387	369	14	(	(	PUNCT
ajfti-2387	369	15	2019	2019	NUM
ajfti-2387	369	16	)	)	PUNCT
ajfti-2387	369	17	.	.	PUNCT
ajfti-2387	370	1	revisiting	revisit	VERB
ajfti-2387	370	2	is	be	AUX
ajfti-2387	370	3	research	research	NOUN
ajfti-2387	370	4	practice	practice	NOUN
ajfti-2387	370	5	in	in	ADP
ajfti-2387	370	6	the	the	DET
ajfti-2387	370	7	era	era	NOUN
ajfti-2387	370	8	of	of	ADP
ajfti-2387	370	9	big	big	ADJ
ajfti-2387	370	10	data	datum	NOUN
ajfti-2387	370	11	.	.	PUNCT
ajfti-2387	371	1	information	information	NOUN
ajfti-2387	371	2	and	and	CCONJ
ajfti-2387	371	3	organization	organization	NOUN
ajfti-2387	371	4	,	,	PUNCT
ajfti-2387	371	5	29(1	29(1	NUM
ajfti-2387	371	6	)	)	PUNCT
ajfti-2387	371	7	,	,	PUNCT
ajfti-2387	371	8	41	41	NUM
ajfti-2387	371	9	-	-	SYM
ajfti-2387	371	10	56	56	NUM
ajfti-2387	371	11	.	.	PUNCT
ajfti-2387	372	1	kang	kang	PROPN
ajfti-2387	372	2	,	,	PUNCT
ajfti-2387	372	3	e.	e.	PROPN
ajfti-2387	372	4	,	,	PUNCT
ajfti-2387	372	5	&	&	CCONJ
ajfti-2387	372	6	hwang	hwang	PROPN
ajfti-2387	372	7	,	,	PUNCT
ajfti-2387	372	8	h.-j	h.-j	PROPN
ajfti-2387	372	9	.	.	PUNCT
ajfti-2387	372	10	(	(	PUNCT
ajfti-2387	372	11	2021	2021	NUM
ajfti-2387	372	12	)	)	PUNCT
ajfti-2387	372	13	.	.	PUNCT
ajfti-2387	373	1	ethical	ethical	ADJ
ajfti-2387	373	2	conducts	conduct	NOUN
ajfti-2387	373	3	in	in	ADP
ajfti-2387	373	4	qualitative	qualitative	ADJ
ajfti-2387	373	5	research	research	NOUN
ajfti-2387	373	6	methodology	methodology	NOUN
ajfti-2387	373	7	:	:	PUNCT
ajfti-2387	373	8	participant	participant	ADJ
ajfti-2387	373	9	observation	observation	NOUN
ajfti-2387	373	10	and	and	CCONJ
ajfti-2387	373	11	interview	interview	NOUN
ajfti-2387	373	12	process	process	NOUN
ajfti-2387	373	13	.	.	PUNCT
ajfti-2387	374	1	journal	journal	PROPN
ajfti-2387	374	2	of	of	ADP
ajfti-2387	374	3	research	research	NOUN
ajfti-2387	374	4	and	and	CCONJ
ajfti-2387	374	5	publication	publication	NOUN
ajfti-2387	374	6	ethics	ethic	NOUN
ajfti-2387	374	7	,	,	PUNCT
ajfti-2387	374	8	2(2	2(2	NUM
ajfti-2387	374	9	)	)	PUNCT
ajfti-2387	374	10	,	,	PUNCT
ajfti-2387	374	11	5	5	NUM
ajfti-2387	374	12	-	-	SYM
ajfti-2387	374	13	10	10	NUM
ajfti-2387	374	14	.	.	PUNCT
ajfti-2387	375	1	khan	khan	PROPN
ajfti-2387	375	2	,	,	PUNCT
ajfti-2387	375	3	s.	s.	PROPN
ajfti-2387	375	4	,	,	PUNCT
ajfti-2387	375	5	khan	khan	PROPN
ajfti-2387	375	6	,	,	PUNCT
ajfti-2387	375	7	h.	h.	PROPN
ajfti-2387	375	8	u.	u.	PROPN
ajfti-2387	375	9	,	,	PUNCT
ajfti-2387	375	10	&	&	CCONJ
ajfti-2387	375	11	nazir	nazir	PROPN
ajfti-2387	375	12	,	,	PUNCT
ajfti-2387	375	13	s.	s.	PROPN
ajfti-2387	375	14	(	(	PUNCT
ajfti-2387	375	15	2023	2023	NUM
ajfti-2387	375	16	)	)	PUNCT
ajfti-2387	375	17	.	.	PUNCT
ajfti-2387	376	1	utilizing	utilize	VERB
ajfti-2387	376	2	the	the	DET
ajfti-2387	376	3	collective	collective	ADJ
ajfti-2387	376	4	wisdom	wisdom	NOUN
ajfti-2387	376	5	of	of	ADP
ajfti-2387	376	6	fintech	fintech	NOUN
ajfti-2387	376	7	in	in	ADP
ajfti-2387	376	8	the	the	DET
ajfti-2387	376	9	gcc	gcc	NOUN
ajfti-2387	376	10	region	region	NOUN
ajfti-2387	376	11	:	:	PUNCT
ajfti-2387	376	12	a	a	DET
ajfti-2387	376	13	systematic	systematic	ADJ
ajfti-2387	376	14	mapping	mapping	NOUN
ajfti-2387	376	15	approach	approach	NOUN
ajfti-2387	376	16	.	.	PUNCT
ajfti-2387	377	1	measurement	measurement	NOUN
ajfti-2387	377	2	and	and	CCONJ
ajfti-2387	377	3	control	control	NOUN
ajfti-2387	377	4	,	,	PUNCT
ajfti-2387	377	5	56(3	56(3	NOUN
ajfti-2387	377	6	-	-	SYM
ajfti-2387	377	7	4	4	NUM
ajfti-2387	377	8	)	)	PUNCT
ajfti-2387	377	9	,	,	PUNCT
ajfti-2387	377	10	713	713	NUM
ajfti-2387	377	11	-	-	SYM
ajfti-2387	377	12	732	732	NUM
ajfti-2387	377	13	.	.	PUNCT
ajfti-2387	378	1	kimberly	kimberly	PROPN
ajfti-2387	378	2	,	,	PUNCT
ajfti-2387	378	3	p.	p.	PROPN
ajfti-2387	378	4	,	,	PUNCT
ajfti-2387	378	5	grima	grima	PROPN
ajfti-2387	378	6	,	,	PUNCT
ajfti-2387	378	7	s.	s.	PROPN
ajfti-2387	378	8	,	,	PUNCT
ajfti-2387	378	9	&	&	CCONJ
ajfti-2387	378	10	özen	özen	NOUN
ajfti-2387	378	11	,	,	PUNCT
ajfti-2387	378	12	e.	e.	PROPN
ajfti-2387	378	13	(	(	PUNCT
ajfti-2387	378	14	2022	2022	NUM
ajfti-2387	378	15	)	)	PUNCT
ajfti-2387	378	16	.	.	PUNCT
ajfti-2387	379	1	perceived	perceive	VERB
ajfti-2387	379	2	effectiveness	effectiveness	NOUN
ajfti-2387	379	3	of	of	ADP
ajfti-2387	379	4	digital	digital	ADJ
ajfti-2387	379	5	transformation	transformation	NOUN
ajfti-2387	379	6	and	and	CCONJ
ajfti-2387	379	7	insurtech	insurtech	NOUN
ajfti-2387	379	8	use	use	NOUN
ajfti-2387	379	9	in	in	ADP
ajfti-2387	379	10	malta	malta	PROPN
ajfti-2387	379	11	:	:	PUNCT
ajfti-2387	379	12	a	a	DET
ajfti-2387	379	13	study	study	NOUN
ajfti-2387	379	14	in	in	ADP
ajfti-2387	379	15	the	the	DET
ajfti-2387	379	16	context	context	NOUN
ajfti-2387	379	17	of	of	ADP
ajfti-2387	379	18	the	the	DET
ajfti-2387	379	19	european	european	PROPN
ajfti-2387	379	20	union	union	PROPN
ajfti-2387	379	21	’s	’s	PART
ajfti-2387	379	22	green	green	PROPN
ajfti-2387	379	23	deal	deal	NOUN
ajfti-2387	379	24	.	.	PUNCT
ajfti-2387	380	1	in	in	ADP
ajfti-2387	380	2	big	big	ADJ
ajfti-2387	380	3	data	datum	NOUN
ajfti-2387	380	4	:	:	PUNCT
ajfti-2387	380	5	a	a	DET
ajfti-2387	380	6	game	game	NOUN
ajfti-2387	380	7	changer	changer	NOUN
ajfti-2387	380	8	for	for	ADP
ajfti-2387	380	9	insurance	insurance	NOUN
ajfti-2387	380	10	industry	industry	NOUN
ajfti-2387	380	11	(	(	PUNCT
ajfti-2387	380	12	pp	pp	ADJ
ajfti-2387	380	13	.	.	PUNCT
ajfti-2387	380	14	239	239	NUM
ajfti-2387	380	15	-	-	SYM
ajfti-2387	380	16	263	263	NUM
ajfti-2387	380	17	)	)	PUNCT
ajfti-2387	380	18	.	.	PUNCT
ajfti-2387	381	1	emerald	emerald	PROPN
ajfti-2387	381	2	publishing	publishing	PROPN
ajfti-2387	381	3	limited	limit	VERB
ajfti-2387	381	4	.	.	PUNCT
ajfti-2387	382	1	kimwaki	kimwaki	PROPN
ajfti-2387	382	2	,	,	PUNCT
ajfti-2387	382	3	a.	a.	NOUN
ajfti-2387	382	4	(	(	PUNCT
ajfti-2387	382	5	2023	2023	NUM
ajfti-2387	382	6	)	)	PUNCT
ajfti-2387	382	7	.	.	PUNCT
ajfti-2387	383	1	non	non	ADJ
ajfti-2387	383	2	-	-	ADJ
ajfti-2387	383	3	financial	financial	ADJ
ajfti-2387	383	4	factors	factor	NOUN
ajfti-2387	383	5	affecting	affect	VERB
ajfti-2387	383	6	the	the	DET
ajfti-2387	383	7	performance	performance	NOUN
ajfti-2387	383	8	of	of	ADP
ajfti-2387	383	9	life	life	NOUN
ajfti-2387	383	10	insurance	insurance	NOUN
ajfti-2387	383	11	companies	company	NOUN
ajfti-2387	383	12	in	in	ADP
ajfti-2387	383	13	kenya	kenya	PROPN
ajfti-2387	383	14	(	(	PUNCT
ajfti-2387	383	15	master	master	NOUN
ajfti-2387	383	16	’s	’s	PART
ajfti-2387	383	17	thesis	thesis	NOUN
ajfti-2387	383	18	,	,	PUNCT
ajfti-2387	383	19	strathmore	strathmore	PROPN
ajfti-2387	383	20	university	university	PROPN
ajfti-2387	383	21	)	)	PUNCT
ajfti-2387	383	22	.	.	PUNCT
ajfti-2387	384	1	kirkpatrick	kirkpatrick	PROPN
ajfti-2387	384	2	,	,	PUNCT
ajfti-2387	384	3	s.	s.	PROPN
ajfti-2387	384	4	i.	i.	PROPN
ajfti-2387	384	5	,	,	PUNCT
ajfti-2387	384	6	baranowski	baranowski	PROPN
ajfti-2387	384	7	,	,	PUNCT
ajfti-2387	384	8	t.	t.	PROPN
ajfti-2387	384	9	,	,	PUNCT
ajfti-2387	384	10	subar	subar	PROPN
ajfti-2387	384	11	,	,	PUNCT
ajfti-2387	384	12	a.	a.	PROPN
ajfti-2387	384	13	f.	f.	PROPN
ajfti-2387	384	14	,	,	PUNCT
ajfti-2387	384	15	tooze	tooze	PROPN
ajfti-2387	384	16	,	,	PUNCT
ajfti-2387	384	17	j.	j.	PROPN
ajfti-2387	384	18	a.	a.	PROPN
ajfti-2387	384	19	,	,	PUNCT
ajfti-2387	384	20	&	&	CCONJ
ajfti-2387	384	21	frongillo	frongillo	PROPN
ajfti-2387	384	22	,	,	PUNCT
ajfti-2387	384	23	e.	e.	PROPN
ajfti-2387	384	24	a.	a.	PROPN
ajfti-2387	384	25	(	(	PUNCT
ajfti-2387	384	26	2019	2019	NUM
ajfti-2387	384	27	)	)	PUNCT
ajfti-2387	384	28	.	.	PUNCT
ajfti-2387	385	1	best	good	ADJ
ajfti-2387	385	2	practices	practice	NOUN
ajfti-2387	385	3	for	for	ADP
ajfti-2387	385	4	conducting	conduct	VERB
ajfti-2387	385	5	and	and	CCONJ
ajfti-2387	385	6	interpreting	interpret	VERB
ajfti-2387	385	7	studies	study	NOUN
ajfti-2387	385	8	to	to	PART
ajfti-2387	385	9	validate	validate	VERB
ajfti-2387	385	10	selfreport	selfreport	NOUN
ajfti-2387	385	11	dietary	dietary	ADJ
ajfti-2387	385	12	assessment	assessment	NOUN
ajfti-2387	385	13	methods	method	NOUN
ajfti-2387	385	14	.	.	PUNCT
ajfti-2387	386	1	journal	journal	NOUN
ajfti-2387	386	2	of	of	ADP
ajfti-2387	386	3	the	the	DET
ajfti-2387	386	4	academy	academy	NOUN
ajfti-2387	386	5	of	of	ADP
ajfti-2387	386	6	nutrition	nutrition	NOUN
ajfti-2387	386	7	and	and	CCONJ
ajfti-2387	386	8	dietetics	dietetic	NOUN
ajfti-2387	386	9	,	,	PUNCT
ajfti-2387	386	10	119(11	119(11	NUM
ajfti-2387	386	11	)	)	PUNCT
ajfti-2387	386	12	,	,	PUNCT
ajfti-2387	386	13	18011816	18011816	NUM
ajfti-2387	386	14	.	.	PUNCT
ajfti-2387	387	1	knight	knight	PROPN
ajfti-2387	387	2	,	,	PUNCT
ajfti-2387	387	3	e.	e.	PROPN
ajfti-2387	387	4	,	,	PUNCT
ajfti-2387	387	5	&	&	CCONJ
ajfti-2387	387	6	wójcik	wójcik	PROPN
ajfti-2387	387	7	,	,	PUNCT
ajfti-2387	387	8	d.	d.	PROPN
ajfti-2387	387	9	(	(	PUNCT
ajfti-2387	387	10	2018	2018	NUM
ajfti-2387	387	11	)	)	PUNCT
ajfti-2387	387	12	.	.	PUNCT
ajfti-2387	388	1	geographical	geographical	ADJ
ajfti-2387	388	2	linkages	linkage	NOUN
ajfti-2387	388	3	in	in	ADP
ajfti-2387	388	4	the	the	DET
ajfti-2387	388	5	financial	financial	ADJ
ajfti-2387	388	6	services	service	NOUN
ajfti-2387	388	7	industry	industry	NOUN
ajfti-2387	388	8	:	:	PUNCT
ajfti-2387	388	9	a	a	DET
ajfti-2387	388	10	dialogue	dialogue	NOUN
ajfti-2387	388	11	with	with	ADP
ajfti-2387	388	12	organizational	organizational	ADJ
ajfti-2387	388	13	studies	study	NOUN
ajfti-2387	388	14	.	.	PUNCT
ajfti-2387	389	1	in	in	ADP
ajfti-2387	389	2	transitions	transition	NOUN
ajfti-2387	389	3	in	in	ADP
ajfti-2387	389	4	regional	regional	ADJ
ajfti-2387	389	5	economic	economic	ADJ
ajfti-2387	389	6	development	development	NOUN
ajfti-2387	389	7	(	(	PUNCT
ajfti-2387	389	8	pp	pp	ADJ
ajfti-2387	389	9	.	.	PUNCT
ajfti-2387	390	1	204	204	NUM
ajfti-2387	390	2	-	-	SYM
ajfti-2387	390	3	226	226	NUM
ajfti-2387	390	4	)	)	PUNCT
ajfti-2387	390	5	.	.	PUNCT
ajfti-2387	391	1	routledge	routledge	PROPN
ajfti-2387	391	2	.	.	PUNCT
ajfti-2387	392	1	kshetri	kshetri	PROPN
ajfti-2387	392	2	,	,	PUNCT
ajfti-2387	392	3	n.	n.	NOUN
ajfti-2387	392	4	(	(	PUNCT
ajfti-2387	392	5	2018	2018	NUM
ajfti-2387	392	6	)	)	PUNCT
ajfti-2387	392	7	.	.	PUNCT
ajfti-2387	393	1	the	the	DET
ajfti-2387	393	2	economics	economic	NOUN
ajfti-2387	393	3	of	of	ADP
ajfti-2387	393	4	cyber	cyber	NOUN
ajfti-2387	393	5	-	-	PUNCT
ajfti-2387	393	6	insurance	insurance	NOUN
ajfti-2387	393	7	.	.	PUNCT
ajfti-2387	394	1	it	it	PRON
ajfti-2387	394	2	professional	professional	ADJ
ajfti-2387	394	3	,	,	PUNCT
ajfti-2387	394	4	20(6	20(6	NOUN
ajfti-2387	394	5	)	)	PUNCT
ajfti-2387	394	6	,	,	PUNCT
ajfti-2387	394	7	9	9	NUM
ajfti-2387	394	8	-	-	SYM
ajfti-2387	394	9	14	14	NUM
ajfti-2387	394	10	.	.	PUNCT
ajfti-2387	395	1	kumar	kumar	PROPN
ajfti-2387	395	2	,	,	PUNCT
ajfti-2387	395	3	s.	s.	PROPN
ajfti-2387	395	4	,	,	PUNCT
ajfti-2387	395	5	&	&	CCONJ
ajfti-2387	395	6	bhatia	bhatia	PROPN
ajfti-2387	395	7	,	,	PUNCT
ajfti-2387	395	8	m.	m.	PROPN
ajfti-2387	395	9	s.	s.	PROPN
ajfti-2387	395	10	(	(	PUNCT
ajfti-2387	395	11	2021	2021	NUM
ajfti-2387	395	12	)	)	PUNCT
ajfti-2387	395	13	.	.	PUNCT
ajfti-2387	396	1	environmental	environmental	ADJ
ajfti-2387	396	2	dynamism	dynamism	NOUN
ajfti-2387	396	3	,	,	PUNCT
ajfti-2387	396	4	industry	industry	NOUN
ajfti-2387	396	5	4.0	4.0	NUM
ajfti-2387	396	6	and	and	CCONJ
ajfti-2387	396	7	performance	performance	NOUN
ajfti-2387	396	8	:	:	PUNCT
ajfti-2387	396	9	mediating	mediate	VERB
ajfti-2387	396	10	role	role	NOUN
ajfti-2387	396	11	of	of	ADP
ajfti-2387	396	12	organizational	organizational	ADJ
ajfti-2387	396	13	and	and	CCONJ
ajfti-2387	396	14	technological	technological	ADJ
ajfti-2387	396	15	factors	factor	NOUN
ajfti-2387	396	16	.	.	PUNCT
ajfti-2387	397	1	industrial	industrial	ADJ
ajfti-2387	397	2	marketing	marketing	NOUN
ajfti-2387	397	3	management	management	NOUN
ajfti-2387	397	4	,	,	PUNCT
ajfti-2387	397	5	95	95	NUM
ajfti-2387	397	6	,	,	PUNCT
ajfti-2387	397	7	54–64	54–64	NUM
ajfti-2387	397	8	.	.	PUNCT
ajfti-2387	397	9	lallie	lallie	PROPN
ajfti-2387	397	10	,	,	PUNCT
ajfti-2387	397	11	h.	h.	PROPN
ajfti-2387	397	12	s.	s.	PROPN
ajfti-2387	397	13	,	,	PUNCT
ajfti-2387	397	14	shepherd	shepherd	NOUN
ajfti-2387	397	15	,	,	PUNCT
ajfti-2387	397	16	l.	l.	PROPN
ajfti-2387	397	17	a.	a.	PROPN
ajfti-2387	397	18	,	,	PUNCT
ajfti-2387	397	19	nurse	nurse	PROPN
ajfti-2387	397	20	,	,	PUNCT
ajfti-2387	397	21	j.	j.	PROPN
ajfti-2387	397	22	r.	r.	PROPN
ajfti-2387	397	23	,	,	PUNCT
ajfti-2387	397	24	erola	erola	PROPN
ajfti-2387	397	25	,	,	PUNCT
ajfti-2387	397	26	a.	a.	NOUN
ajfti-2387	397	27	,	,	PUNCT
ajfti-2387	397	28	epiphaniou	epiphaniou	NOUN
ajfti-2387	397	29	,	,	PUNCT
ajfti-2387	397	30	g.	g.	PROPN
ajfti-2387	397	31	,	,	PUNCT
ajfti-2387	397	32	maple	maple	NOUN
ajfti-2387	397	33	,	,	PUNCT
ajfti-2387	397	34	c.	c.	PROPN
ajfti-2387	397	35	,	,	PUNCT
ajfti-2387	397	36	&	&	CCONJ
ajfti-2387	397	37	bellekens	belleken	NOUN
ajfti-2387	397	38	,	,	PUNCT
ajfti-2387	397	39	x.	x.	NOUN
ajfti-2387	397	40	(	(	PUNCT
ajfti-2387	397	41	2021	2021	NUM
ajfti-2387	397	42	)	)	PUNCT
ajfti-2387	397	43	.	.	PUNCT
ajfti-2387	398	1	cybersecurity	cybersecurity	NOUN
ajfti-2387	398	2	in	in	ADP
ajfti-2387	398	3	the	the	DET
ajfti-2387	398	4	age	age	NOUN
ajfti-2387	398	5	of	of	ADP
ajfti-2387	398	6	covid-19	covid-19	PROPN
ajfti-2387	398	7	:	:	PUNCT
ajfti-2387	398	8	a	a	DET
ajfti-2387	398	9	timeline	timeline	NOUN
ajfti-2387	398	10	and	and	CCONJ
ajfti-2387	398	11	analysis	analysis	NOUN
ajfti-2387	398	12	of	of	ADP
ajfti-2387	398	13	cyber	cyber	NOUN
ajfti-2387	398	14	-	-	PUNCT
ajfti-2387	398	15	crime	crime	NOUN
ajfti-2387	398	16	and	and	CCONJ
ajfti-2387	398	17	cyber	cyber	NOUN
ajfti-2387	398	18	-	-	PUNCT
ajfti-2387	398	19	attacks	attack	NOUN
ajfti-2387	398	20	during	during	ADP
ajfti-2387	398	21	the	the	DET
ajfti-2387	398	22	pandemic	pandemic	ADJ
ajfti-2387	398	23	.	.	PUNCT
ajfti-2387	399	1	computers	computer	NOUN
ajfti-2387	399	2	&	&	CCONJ
ajfti-2387	399	3	security	security	NOUN
ajfti-2387	399	4	,	,	PUNCT
ajfti-2387	399	5	105	105	NUM
ajfti-2387	399	6	,	,	PUNCT
ajfti-2387	399	7	102248	102248	NUM
ajfti-2387	399	8	.	.	PUNCT
ajfti-2387	400	1	lynn	lynn	PROPN
ajfti-2387	400	2	,	,	PUNCT
ajfti-2387	400	3	t.	t.	PROPN
ajfti-2387	400	4	,	,	PUNCT
ajfti-2387	400	5	mooney	mooney	PROPN
ajfti-2387	400	6	,	,	PUNCT
ajfti-2387	400	7	j.	j.	PROPN
ajfti-2387	400	8	g.	g.	PROPN
ajfti-2387	400	9	,	,	PUNCT
ajfti-2387	400	10	rosati	rosati	PROPN
ajfti-2387	400	11	,	,	PUNCT
ajfti-2387	400	12	p.	p.	PROPN
ajfti-2387	400	13	,	,	PUNCT
ajfti-2387	400	14	&	&	CCONJ
ajfti-2387	400	15	cummins	cummins	PROPN
ajfti-2387	400	16	,	,	PUNCT
ajfti-2387	400	17	m.	m.	NOUN
ajfti-2387	400	18	(	(	PUNCT
ajfti-2387	400	19	2019	2019	NUM
ajfti-2387	400	20	)	)	PUNCT
ajfti-2387	400	21	.	.	PUNCT
ajfti-2387	401	1	disrupting	disrupt	VERB
ajfti-2387	401	2	finance	finance	NOUN
ajfti-2387	401	3	:	:	PUNCT
ajfti-2387	401	4	fintech	fintech	NOUN
ajfti-2387	401	5	and	and	CCONJ
ajfti-2387	401	6	strategy	strategy	NOUN
ajfti-2387	401	7	in	in	ADP
ajfti-2387	401	8	the	the	DET
ajfti-2387	401	9	21st	21st	ADJ
ajfti-2387	401	10	century	century	NOUN
ajfti-2387	401	11	.	.	PUNCT
ajfti-2387	402	1	springer	springer	NOUN
ajfti-2387	402	2	nature	nature	PROPN
ajfti-2387	402	3	.	.	PUNCT
ajfti-2387	403	1	łyskawa	łyskawa	PROPN
ajfti-2387	403	2	,	,	PUNCT
ajfti-2387	403	3	k.	k.	PROPN
ajfti-2387	403	4	,	,	PUNCT
ajfti-2387	403	5	kędra	kędra	PROPN
ajfti-2387	403	6	,	,	PUNCT
ajfti-2387	403	7	a.	a.	PROPN
ajfti-2387	403	8	,	,	PUNCT
ajfti-2387	403	9	klapkiv	klapkiv	PROPN
ajfti-2387	403	10	,	,	PUNCT
ajfti-2387	403	11	l.	l.	PROPN
ajfti-2387	403	12	,	,	PUNCT
ajfti-2387	403	13	&	&	CCONJ
ajfti-2387	403	14	klapkiv	klapkiv	PROPN
ajfti-2387	403	15	,	,	PUNCT
ajfti-2387	403	16	j.	j.	PROPN
ajfti-2387	403	17	(	(	PUNCT
ajfti-2387	403	18	2019	2019	NUM
ajfti-2387	403	19	)	)	PUNCT
ajfti-2387	403	20	.	.	PUNCT
ajfti-2387	404	1	digitalization	digitalization	NOUN
ajfti-2387	404	2	in	in	ADP
ajfti-2387	404	3	insurance	insurance	NOUN
ajfti-2387	404	4	companies	company	NOUN
ajfti-2387	404	5	.	.	PUNCT
ajfti-2387	405	1	in	in	ADP
ajfti-2387	405	2	international	international	ADJ
ajfti-2387	405	3	scientific	scientific	ADJ
ajfti-2387	405	4	conference	conference	NOUN
ajfti-2387	405	5	:	:	PUNCT
ajfti-2387	405	6	contemporary	contemporary	ADJ
ajfti-2387	405	7	issues	issue	NOUN
ajfti-2387	405	8	in	in	ADP
ajfti-2387	405	9	business	business	NOUN
ajfti-2387	405	10	,	,	PUNCT
ajfti-2387	405	11	management	management	NOUN
ajfti-2387	405	12	and	and	CCONJ
ajfti-2387	405	13	economics	economic	NOUN
ajfti-2387	405	14	engineering	engineering	PROPN
ajfti-2387	405	15	manzoor	manzoor	PROPN
ajfti-2387	405	16	,	,	PUNCT
ajfti-2387	405	17	f.	f.	PROPN
ajfti-2387	405	18	,	,	PUNCT
ajfti-2387	405	19	wei	wei	PROPN
ajfti-2387	405	20	,	,	PUNCT
ajfti-2387	405	21	l.	l.	PROPN
ajfti-2387	405	22	,	,	PUNCT
ajfti-2387	405	23	bányai	bányai	PROPN
ajfti-2387	405	24	,	,	PUNCT
ajfti-2387	405	25	t.	t.	PROPN
ajfti-2387	405	26	,	,	PUNCT
ajfti-2387	405	27	nurunnabi	nurunnabi	NOUN
ajfti-2387	405	28	,	,	PUNCT
ajfti-2387	405	29	m.	m.	NOUN
ajfti-2387	405	30	,	,	PUNCT
ajfti-2387	405	31	&	&	CCONJ
ajfti-2387	405	32	subhan	subhan	PROPN
ajfti-2387	405	33	,	,	PUNCT
ajfti-2387	405	34	q.	q.	PROPN
ajfti-2387	405	35	a.	a.	PROPN
ajfti-2387	405	36	(	(	PUNCT
ajfti-2387	405	37	2019	2019	NUM
ajfti-2387	405	38	)	)	PUNCT
ajfti-2387	405	39	.	.	PUNCT
ajfti-2387	406	1	an	an	DET
ajfti-2387	406	2	examination	examination	NOUN
ajfti-2387	406	3	of	of	ADP
ajfti-2387	406	4	sustainable	sustainable	ADJ
ajfti-2387	406	5	hrm	hrm	PROPN
ajfti-2387	406	6	practices	practice	NOUN
ajfti-2387	406	7	on	on	ADP
ajfti-2387	406	8	job	job	NOUN
ajfti-2387	406	9	performance	performance	NOUN
ajfti-2387	406	10	:	:	PUNCT
ajfti-2387	406	11	an	an	DET
ajfti-2387	406	12	application	application	NOUN
ajfti-2387	406	13	of	of	ADP
ajfti-2387	406	14	training	training	NOUN
ajfti-2387	406	15	as	as	ADP
ajfti-2387	406	16	a	a	DET
ajfti-2387	406	17	moderator	moderator	NOUN
ajfti-2387	406	18	.	.	PUNCT
ajfti-2387	407	1	sustainability	sustainability	NOUN
ajfti-2387	407	2	,	,	PUNCT
ajfti-2387	407	3	11(8	11(8	NUM
ajfti-2387	407	4	)	)	PUNCT
ajfti-2387	407	5	,	,	PUNCT
ajfti-2387	407	6	2263	2263	NUM
ajfti-2387	407	7	.	.	PUNCT
ajfti-2387	408	1	maouchi	maouchi	PROPN
ajfti-2387	408	2	,	,	PUNCT
ajfti-2387	408	3	y.	y.	PROPN
ajfti-2387	408	4	,	,	PUNCT
ajfti-2387	408	5	charfeddine	charfeddine	NOUN
ajfti-2387	408	6	,	,	PUNCT
ajfti-2387	408	7	l.	l.	PROPN
ajfti-2387	408	8	,	,	PUNCT
ajfti-2387	408	9	&	&	CCONJ
ajfti-2387	408	10	el	el	PROPN
ajfti-2387	408	11	montasser	montasser	PROPN
ajfti-2387	408	12	,	,	PUNCT
ajfti-2387	408	13	g.	g.	PROPN
ajfti-2387	408	14	(	(	PUNCT
ajfti-2387	408	15	2022	2022	NUM
ajfti-2387	408	16	)	)	PUNCT
ajfti-2387	408	17	.	.	PUNCT
ajfti-2387	409	1	understanding	understand	VERB
ajfti-2387	409	2	digital	digital	ADJ
ajfti-2387	409	3	bubbles	bubble	NOUN
ajfti-2387	409	4	amidst	amidst	ADP
ajfti-2387	409	5	the	the	DET
ajfti-2387	409	6	covid-19	covid-19	PROPN
ajfti-2387	409	7	pandemic	pandemic	NOUN
ajfti-2387	409	8	:	:	PUNCT
ajfti-2387	409	9	evidence	evidence	NOUN
ajfti-2387	409	10	from	from	ADP
ajfti-2387	409	11	defi	defi	NOUN
ajfti-2387	409	12	and	and	CCONJ
ajfti-2387	409	13	nfts	nft	NOUN
ajfti-2387	409	14	.	.	PUNCT
ajfti-2387	410	1	finance	finance	NOUN
ajfti-2387	410	2	research	research	NOUN
ajfti-2387	410	3	letters	letter	NOUN
ajfti-2387	410	4	,	,	PUNCT
ajfti-2387	410	5	47	47	NUM
ajfti-2387	410	6	,	,	PUNCT
ajfti-2387	410	7	102584	102584	NUM
ajfti-2387	410	8	.	.	PUNCT
ajfti-2387	411	1	muneeza	muneeza	PROPN
ajfti-2387	411	2	,	,	PUNCT
ajfti-2387	411	3	a.	a.	PROPN
ajfti-2387	411	4	,	,	PUNCT
ajfti-2387	411	5	&	&	CCONJ
ajfti-2387	411	6	mustapha	mustapha	PROPN
ajfti-2387	411	7	,	,	PUNCT
ajfti-2387	411	8	z.	z.	PROPN
ajfti-2387	411	9	(	(	PUNCT
ajfti-2387	411	10	2021	2021	NUM
ajfti-2387	411	11	)	)	PUNCT
ajfti-2387	411	12	.	.	PUNCT
ajfti-2387	412	1	islamic	islamic	ADJ
ajfti-2387	412	2	fintech	fintech	PROPN
ajfti-2387	412	3	and	and	CCONJ
ajfti-2387	412	4	financial	financial	ADJ
ajfti-2387	412	5	inclusion	inclusion	NOUN
ajfti-2387	412	6	.	.	PUNCT
ajfti-2387	413	1	islamic	islamic	ADJ
ajfti-2387	413	2	fintech	fintech	PROPN
ajfti-2387	413	3	:	:	PUNCT
ajfti-2387	413	4	insights	insight	NOUN
ajfti-2387	413	5	and	and	CCONJ
ajfti-2387	413	6	solutions	solution	NOUN
ajfti-2387	413	7	,	,	PUNCT
ajfti-2387	413	8	173	173	NUM
ajfti-2387	413	9	-	-	SYM
ajfti-2387	413	10	190	190	NUM
ajfti-2387	413	11	.	.	PUNCT
ajfti-2387	414	1	nayak	nayak	PROPN
ajfti-2387	414	2	,	,	PUNCT
ajfti-2387	414	3	m.	m.	NOUN
ajfti-2387	414	4	,	,	PUNCT
ajfti-2387	414	5	&	&	CCONJ
ajfti-2387	414	6	narayan	narayan	PROPN
ajfti-2387	414	7	,	,	PUNCT
ajfti-2387	414	8	k.	k.	PROPN
ajfti-2387	414	9	(	(	PUNCT
ajfti-2387	414	10	2019	2019	NUM
ajfti-2387	414	11	)	)	PUNCT
ajfti-2387	414	12	.	.	PUNCT
ajfti-2387	415	1	strengths	strength	NOUN
ajfti-2387	415	2	and	and	CCONJ
ajfti-2387	415	3	weaknesses	weakness	NOUN
ajfti-2387	415	4	of	of	ADP
ajfti-2387	415	5	online	online	ADJ
ajfti-2387	415	6	surveys	survey	NOUN
ajfti-2387	415	7	.	.	PUNCT
ajfti-2387	416	1	technology	technology	NOUN
ajfti-2387	416	2	,	,	PUNCT
ajfti-2387	416	3	6(7	6(7	NUM
ajfti-2387	416	4	)	)	PUNCT
ajfti-2387	416	5	,	,	PUNCT
ajfti-2387	416	6	0837	0837	NUM
ajfti-2387	416	7	–	–	PUNCT
ajfti-2387	416	8	2405053138	2405053138	NUM
ajfti-2387	416	9	.	.	PUNCT
ajfti-2387	417	1	nguyen	nguyen	PROPN
ajfti-2387	417	2	,	,	PUNCT
ajfti-2387	417	3	d.	d.	PROPN
ajfti-2387	417	4	k.	k.	PROPN
ajfti-2387	417	5	,	,	PUNCT
ajfti-2387	417	6	sermpinis	sermpinis	PROPN
ajfti-2387	417	7	,	,	PUNCT
ajfti-2387	417	8	g.	g.	PROPN
ajfti-2387	417	9	,	,	PUNCT
ajfti-2387	417	10	&	&	CCONJ
ajfti-2387	417	11	stasinakis	stasinakis	PROPN
ajfti-2387	417	12	,	,	PUNCT
ajfti-2387	417	13	c.	c.	PROPN
ajfti-2387	417	14	(	(	PUNCT
ajfti-2387	417	15	2023	2023	NUM
ajfti-2387	417	16	)	)	PUNCT
ajfti-2387	417	17	.	.	PUNCT
ajfti-2387	418	1	pa	pa	PROPN
ajfti-2387	418	2	ge	ge	PROPN
ajfti-2387	418	3	56	56	NUM
ajfti-2387	418	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2387	418	5	am	be	AUX
ajfti-2387	418	6	.	.	PUNCT
ajfti-2387	419	1	j.	j.	PROPN
ajfti-2387	419	2	financ	financ	PROPN
ajfti-2387	419	3	.	.	PUNCT
ajfti-2387	420	1	technol	technol	PROPN
ajfti-2387	420	2	.	.	PUNCT
ajfti-2387	420	3	innov	innov	PROPN
ajfti-2387	420	4	.	.	PUNCT
ajfti-2387	421	1	2(1	2(1	NUM
ajfti-2387	421	2	)	)	PUNCT
ajfti-2387	421	3	44	44	NUM
ajfti-2387	421	4	-	-	SYM
ajfti-2387	421	5	56	56	NUM
ajfti-2387	421	6	,	,	PUNCT
ajfti-2387	421	7	2024	2024	NUM
ajfti-2387	421	8	big	big	ADJ
ajfti-2387	421	9	data	datum	NOUN
ajfti-2387	421	10	,	,	PUNCT
ajfti-2387	421	11	artificial	artificial	ADJ
ajfti-2387	421	12	intelligence	intelligence	NOUN
ajfti-2387	421	13	and	and	CCONJ
ajfti-2387	421	14	machine	machine	NOUN
ajfti-2387	421	15	learning	learning	NOUN
ajfti-2387	421	16	:	:	PUNCT
ajfti-2387	421	17	a	a	DET
ajfti-2387	421	18	transformative	transformative	ADJ
ajfti-2387	421	19	symbiosis	symbiosis	NOUN
ajfti-2387	421	20	in	in	ADP
ajfti-2387	421	21	favour	favour	NOUN
ajfti-2387	421	22	of	of	ADP
ajfti-2387	421	23	financial	financial	ADJ
ajfti-2387	421	24	technology	technology	NOUN
ajfti-2387	421	25	.	.	PUNCT
ajfti-2387	422	1	european	european	ADJ
ajfti-2387	422	2	financial	financial	ADJ
ajfti-2387	422	3	management	management	NOUN
ajfti-2387	422	4	,	,	PUNCT
ajfti-2387	422	5	29(2	29(2	NUM
ajfti-2387	422	6	)	)	PUNCT
ajfti-2387	422	7	,	,	PUNCT
ajfti-2387	422	8	517548	517548	NUM
ajfti-2387	422	9	.	.	PUNCT
ajfti-2387	423	1	nicoletti	nicoletti	PROPN
ajfti-2387	423	2	,	,	PUNCT
ajfti-2387	423	3	b.	b.	PROPN
ajfti-2387	423	4	(	(	PUNCT
ajfti-2387	423	5	2020	2020	NUM
ajfti-2387	423	6	)	)	PUNCT
ajfti-2387	423	7	.	.	PUNCT
ajfti-2387	424	1	insurance	insurance	NOUN
ajfti-2387	424	2	4.0	4.0	NUM
ajfti-2387	424	3	:	:	PUNCT
ajfti-2387	424	4	benefits	benefit	NOUN
ajfti-2387	424	5	and	and	CCONJ
ajfti-2387	424	6	challenges	challenge	NOUN
ajfti-2387	424	7	of	of	ADP
ajfti-2387	424	8	digital	digital	ADJ
ajfti-2387	424	9	transformation	transformation	NOUN
ajfti-2387	424	10	.	.	PUNCT
ajfti-2387	425	1	springer	springer	NOUN
ajfti-2387	425	2	nature	nature	PROPN
ajfti-2387	425	3	.	.	PUNCT
ajfti-2387	426	1	nicoletti	nicoletti	PROPN
ajfti-2387	426	2	,	,	PUNCT
ajfti-2387	426	3	b.	b.	PROPN
ajfti-2387	426	4	,	,	PUNCT
ajfti-2387	426	5	&	&	CCONJ
ajfti-2387	426	6	nicoletti	nicoletti	PROPN
ajfti-2387	426	7	,	,	PUNCT
ajfti-2387	426	8	b.	b.	PROPN
ajfti-2387	426	9	(	(	PUNCT
ajfti-2387	426	10	2021	2021	NUM
ajfti-2387	426	11	)	)	PUNCT
ajfti-2387	426	12	.	.	PUNCT
ajfti-2387	427	1	future	future	NOUN
ajfti-2387	427	2	of	of	ADP
ajfti-2387	427	3	insurance	insurance	NOUN
ajfti-2387	427	4	4.0	4.0	NUM
ajfti-2387	427	5	and	and	CCONJ
ajfti-2387	427	6	insurtech	insurtech	NOUN
ajfti-2387	427	7	.	.	PUNCT
ajfti-2387	428	1	in	in	ADP
ajfti-2387	428	2	insurance	insurance	NOUN
ajfti-2387	428	3	4.0	4.0	NUM
ajfti-2387	428	4	:	:	PUNCT
ajfti-2387	428	5	benefits	benefit	NOUN
ajfti-2387	428	6	and	and	CCONJ
ajfti-2387	428	7	challenges	challenge	NOUN
ajfti-2387	428	8	of	of	ADP
ajfti-2387	428	9	digital	digital	ADJ
ajfti-2387	428	10	transformation	transformation	NOUN
ajfti-2387	428	11	(	(	PUNCT
ajfti-2387	428	12	pp	pp	ADJ
ajfti-2387	428	13	.	.	PUNCT
ajfti-2387	429	1	389–431	389–431	NUM
ajfti-2387	429	2	)	)	PUNCT
ajfti-2387	429	3	.	.	PUNCT
ajfti-2387	430	1	springer	springer	NOUN
ajfti-2387	430	2	nature	nature	PROPN
ajfti-2387	430	3	.	.	PUNCT
ajfti-2387	431	1	njegomir	njegomir	PROPN
ajfti-2387	431	2	,	,	PUNCT
ajfti-2387	431	3	v.	v.	ADV
ajfti-2387	431	4	,	,	PUNCT
ajfti-2387	431	5	&	&	CCONJ
ajfti-2387	431	6	demko	demko	ADJ
ajfti-2387	431	7	-	-	PUNCT
ajfti-2387	431	8	rihter	rihter	NOUN
ajfti-2387	431	9	,	,	PUNCT
ajfti-2387	431	10	j.	j.	PROPN
ajfti-2387	431	11	(	(	PUNCT
ajfti-2387	431	12	2023	2023	NUM
ajfti-2387	431	13	)	)	PUNCT
ajfti-2387	431	14	.	.	PUNCT
ajfti-2387	432	1	insurtech	insurtech	PROPN
ajfti-2387	432	2	:	:	PUNCT
ajfti-2387	432	3	new	new	ADJ
ajfti-2387	432	4	competition	competition	NOUN
ajfti-2387	432	5	to	to	ADP
ajfti-2387	432	6	traditional	traditional	ADJ
ajfti-2387	432	7	insurers	insurer	NOUN
ajfti-2387	432	8	and	and	CCONJ
ajfti-2387	432	9	impact	impact	NOUN
ajfti-2387	432	10	on	on	ADP
ajfti-2387	432	11	the	the	DET
ajfti-2387	432	12	economic	economic	ADJ
ajfti-2387	432	13	growth	growth	NOUN
ajfti-2387	432	14	.	.	PUNCT
ajfti-2387	433	1	in	in	ADP
ajfti-2387	433	2	digital	digital	ADJ
ajfti-2387	433	3	transformation	transformation	NOUN
ajfti-2387	433	4	of	of	ADP
ajfti-2387	433	5	the	the	DET
ajfti-2387	433	6	financial	financial	ADJ
ajfti-2387	433	7	industry	industry	NOUN
ajfti-2387	433	8	:	:	PUNCT
ajfti-2387	433	9	approaches	approach	NOUN
ajfti-2387	433	10	and	and	CCONJ
ajfti-2387	433	11	applications	application	NOUN
ajfti-2387	433	12	(	(	PUNCT
ajfti-2387	433	13	pp	pp	ADJ
ajfti-2387	433	14	.	.	PUNCT
ajfti-2387	434	1	133	133	NUM
ajfti-2387	434	2	-	-	SYM
ajfti-2387	434	3	150	150	NUM
ajfti-2387	434	4	)	)	PUNCT
ajfti-2387	434	5	.	.	PUNCT
ajfti-2387	435	1	springer	springer	NOUN
ajfti-2387	435	2	.	.	PUNCT
ajfti-2387	436	1	opportunities	opportunity	NOUN
ajfti-2387	436	2	await	await	ADJ
ajfti-2387	436	3	:	:	PUNCT
ajfti-2387	436	4	how	how	SCONJ
ajfti-2387	436	5	insurtech	insurtech	NOUN
ajfti-2387	436	6	is	be	AUX
ajfti-2387	436	7	reshaping	reshape	VERB
ajfti-2387	436	8	insurance	insurance	NOUN
ajfti-2387	436	9	.	.	PUNCT
ajfti-2387	437	1	(	(	PUNCT
ajfti-2387	437	2	2016	2016	NUM
ajfti-2387	437	3	)	)	PUNCT
ajfti-2387	437	4	.	.	PUNCT
ajfti-2387	438	1	global	global	ADJ
ajfti-2387	438	2	fintech	fintech	NOUN
ajfti-2387	438	3	survey	survey	NOUN
ajfti-2387	438	4	.	.	PUNCT
ajfti-2387	439	1	pant	pant	NOUN
ajfti-2387	439	2	,	,	PUNCT
ajfti-2387	439	3	s.	s.	PROPN
ajfti-2387	439	4	k.	k.	PROPN
ajfti-2387	439	5	(	(	PUNCT
ajfti-2387	439	6	2020	2020	NUM
ajfti-2387	439	7	)	)	PUNCT
ajfti-2387	439	8	.	.	PUNCT
ajfti-2387	440	1	fintech	fintech	NOUN
ajfti-2387	440	2	:	:	PUNCT
ajfti-2387	440	3	emerging	emerge	VERB
ajfti-2387	440	4	trends	trend	NOUN
ajfti-2387	440	5	.	.	PUNCT
ajfti-2387	441	1	telecom	telecom	PROPN
ajfti-2387	441	2	business	business	PROPN
ajfti-2387	441	3	review	review	PROPN
ajfti-2387	441	4	,	,	PUNCT
ajfti-2387	441	5	13(1	13(1	NUM
ajfti-2387	441	6	)	)	PUNCT
ajfti-2387	441	7	.	.	PUNCT
ajfti-2387	442	1	park	park	PROPN
ajfti-2387	442	2	,	,	PUNCT
ajfti-2387	442	3	h.	h.	PROPN
ajfti-2387	442	4	,	,	PUNCT
ajfti-2387	442	5	&	&	CCONJ
ajfti-2387	442	6	kim	kim	PROPN
ajfti-2387	442	7	,	,	PUNCT
ajfti-2387	442	8	j.	j.	PROPN
ajfti-2387	442	9	d.	d.	PROPN
ajfti-2387	442	10	(	(	PUNCT
ajfti-2387	442	11	2020	2020	NUM
ajfti-2387	442	12	)	)	PUNCT
ajfti-2387	442	13	.	.	PUNCT
ajfti-2387	443	1	transition	transition	NOUN
ajfti-2387	443	2	towards	towards	ADP
ajfti-2387	443	3	green	green	ADJ
ajfti-2387	443	4	banking	banking	NOUN
ajfti-2387	443	5	:	:	PUNCT
ajfti-2387	443	6	role	role	NOUN
ajfti-2387	443	7	of	of	ADP
ajfti-2387	443	8	financial	financial	ADJ
ajfti-2387	443	9	regulators	regulator	NOUN
ajfti-2387	443	10	and	and	CCONJ
ajfti-2387	443	11	financial	financial	ADJ
ajfti-2387	443	12	institutions	institution	NOUN
ajfti-2387	443	13	.	.	PUNCT
ajfti-2387	444	1	asian	asian	ADJ
ajfti-2387	444	2	journal	journal	NOUN
ajfti-2387	444	3	of	of	ADP
ajfti-2387	444	4	sustainability	sustainability	NOUN
ajfti-2387	444	5	and	and	CCONJ
ajfti-2387	444	6	social	social	ADJ
ajfti-2387	444	7	responsibility	responsibility	NOUN
ajfti-2387	444	8	,	,	PUNCT
ajfti-2387	444	9	5(1	5(1	NUM
ajfti-2387	444	10	)	)	PUNCT
ajfti-2387	444	11	,	,	PUNCT
ajfti-2387	444	12	1	1	NUM
ajfti-2387	444	13	-	-	SYM
ajfti-2387	444	14	25	25	NUM
ajfti-2387	444	15	.	.	PUNCT
ajfti-2387	445	1	pomazan	pomazan	PROPN
ajfti-2387	445	2	,	,	PUNCT
ajfti-2387	445	3	v.	v.	PROPN
ajfti-2387	445	4	,	,	PUNCT
ajfti-2387	445	5	tvoroshenko	tvoroshenko	PROPN
ajfti-2387	445	6	,	,	PUNCT
ajfti-2387	445	7	i.	i.	PROPN
ajfti-2387	445	8	,	,	PUNCT
ajfti-2387	445	9	&	&	CCONJ
ajfti-2387	445	10	gorokhovatskyi	gorokhovatskyi	PROPN
ajfti-2387	445	11	,	,	PUNCT
ajfti-2387	445	12	v.	v.	PROPN
ajfti-2387	445	13	(	(	PUNCT
ajfti-2387	445	14	2023	2023	NUM
ajfti-2387	445	15	)	)	PUNCT
ajfti-2387	445	16	.	.	PUNCT
ajfti-2387	446	1	development	development	NOUN
ajfti-2387	446	2	of	of	ADP
ajfti-2387	446	3	an	an	DET
ajfti-2387	446	4	application	application	NOUN
ajfti-2387	446	5	for	for	ADP
ajfti-2387	446	6	recognizing	recognize	VERB
ajfti-2387	446	7	emotions	emotion	NOUN
ajfti-2387	446	8	using	use	VERB
ajfti-2387	446	9	convolutional	convolutional	ADJ
ajfti-2387	446	10	neural	neural	ADJ
ajfti-2387	446	11	networks	network	NOUN
ajfti-2387	446	12	.	.	PUNCT
ajfti-2387	447	1	ramiah	ramiah	NOUN
ajfti-2387	447	2	,	,	PUNCT
ajfti-2387	447	3	v.	v.	PROPN
ajfti-2387	447	4	,	,	PUNCT
ajfti-2387	447	5	pereira	pereira	PROPN
ajfti-2387	447	6	,	,	PUNCT
ajfti-2387	447	7	v.	v.	PROPN
ajfti-2387	447	8	,	,	PUNCT
ajfti-2387	447	9	dasgupta	dasgupta	PROPN
ajfti-2387	447	10	,	,	PUNCT
ajfti-2387	447	11	b.	b.	PROPN
ajfti-2387	447	12	,	,	PUNCT
ajfti-2387	447	13	frino	frino	PROPN
ajfti-2387	447	14	,	,	PUNCT
ajfti-2387	447	15	a.	a.	NOUN
ajfti-2387	447	16	,	,	PUNCT
ajfti-2387	447	17	&	&	CCONJ
ajfti-2387	447	18	pham	pham	PROPN
ajfti-2387	447	19	,	,	PUNCT
ajfti-2387	447	20	h.	h.	PROPN
ajfti-2387	447	21	(	(	PUNCT
ajfti-2387	447	22	2023	2023	NUM
ajfti-2387	447	23	)	)	PUNCT
ajfti-2387	447	24	.	.	PUNCT
ajfti-2387	448	1	banking	banking	NOUN
ajfti-2387	448	2	and	and	CCONJ
ajfti-2387	448	3	financial	financial	ADJ
ajfti-2387	448	4	institutions	institution	NOUN
ajfti-2387	448	5	in	in	ADP
ajfti-2387	448	6	the	the	DET
ajfti-2387	448	7	gulf	gulf	PROPN
ajfti-2387	448	8	cooperation	cooperation	PROPN
ajfti-2387	448	9	council	council	PROPN
ajfti-2387	448	10	region	region	NOUN
ajfti-2387	448	11	.	.	PUNCT
ajfti-2387	449	1	doing	do	VERB
ajfti-2387	449	2	business	business	NOUN
ajfti-2387	449	3	in	in	ADP
ajfti-2387	449	4	the	the	DET
ajfti-2387	449	5	middle	middle	PROPN
ajfti-2387	449	6	east	east	PROPN
ajfti-2387	449	7	:	:	PUNCT
ajfti-2387	449	8	a	a	DET
ajfti-2387	449	9	research	research	NOUN
ajfti-2387	449	10	-	-	PUNCT
ajfti-2387	449	11	based	base	VERB
ajfti-2387	449	12	practitioners	practitioner	NOUN
ajfti-2387	449	13	’	'	PUNCT
ajfti-2387	449	14	guide	guide	NOUN
ajfti-2387	449	15	.	.	PUNCT
ajfti-2387	450	1	rodríguez	rodríguez	NOUN
ajfti-2387	450	2	-	-	PUNCT
ajfti-2387	450	3	espíndola	espíndola	NOUN
ajfti-2387	450	4	,	,	PUNCT
ajfti-2387	450	5	o.	o.	PROPN
ajfti-2387	450	6	,	,	PUNCT
ajfti-2387	450	7	chowdhury	chowdhury	PROPN
ajfti-2387	450	8	,	,	PUNCT
ajfti-2387	450	9	s.	s.	PROPN
ajfti-2387	450	10	,	,	PUNCT
ajfti-2387	450	11	dey	dey	PROPN
ajfti-2387	450	12	,	,	PUNCT
ajfti-2387	450	13	p.	p.	PROPN
ajfti-2387	450	14	k.	k.	PROPN
ajfti-2387	450	15	,	,	PUNCT
ajfti-2387	450	16	albores	albore	VERB
ajfti-2387	450	17	,	,	PUNCT
ajfti-2387	450	18	p.	p.	NOUN
ajfti-2387	450	19	,	,	PUNCT
ajfti-2387	450	20	&	&	CCONJ
ajfti-2387	450	21	emrouznejad	emrouznejad	NOUN
ajfti-2387	450	22	,	,	PUNCT
ajfti-2387	450	23	a.	a.	NOUN
ajfti-2387	450	24	(	(	PUNCT
ajfti-2387	450	25	2022	2022	NUM
ajfti-2387	450	26	)	)	PUNCT
ajfti-2387	450	27	.	.	PUNCT
ajfti-2387	451	1	analysis	analysis	NOUN
ajfti-2387	451	2	of	of	ADP
ajfti-2387	451	3	the	the	DET
ajfti-2387	451	4	adoption	adoption	NOUN
ajfti-2387	451	5	of	of	ADP
ajfti-2387	451	6	emergent	emergent	ADJ
ajfti-2387	451	7	technologies	technology	NOUN
ajfti-2387	451	8	for	for	ADP
ajfti-2387	451	9	risk	risk	NOUN
ajfti-2387	451	10	management	management	NOUN
ajfti-2387	451	11	in	in	ADP
ajfti-2387	451	12	the	the	DET
ajfti-2387	451	13	era	era	NOUN
ajfti-2387	451	14	of	of	ADP
ajfti-2387	451	15	digital	digital	ADJ
ajfti-2387	451	16	manufacturing	manufacturing	NOUN
ajfti-2387	451	17	.	.	PUNCT
ajfti-2387	452	1	technological	technological	ADJ
ajfti-2387	452	2	forecasting	forecasting	NOUN
ajfti-2387	452	3	and	and	CCONJ
ajfti-2387	452	4	social	social	ADJ
ajfti-2387	452	5	change	change	NOUN
ajfti-2387	452	6	,	,	PUNCT
ajfti-2387	452	7	178	178	NUM
ajfti-2387	452	8	,	,	PUNCT
ajfti-2387	452	9	121562	121562	NUM
ajfti-2387	452	10	.	.	PUNCT
ajfti-2387	453	1	sadigov	sadigov	PROPN
ajfti-2387	453	2	,	,	PUNCT
ajfti-2387	453	3	s.	s.	PROPN
ajfti-2387	453	4	,	,	PUNCT
ajfti-2387	453	5	vasylieva	vasylieva	VERB
ajfti-2387	453	6	,	,	PUNCT
ajfti-2387	453	7	t.	t.	PROPN
ajfti-2387	453	8	a.	a.	PROPN
ajfti-2387	453	9	,	,	PUNCT
ajfti-2387	453	10	&	&	CCONJ
ajfti-2387	453	11	rubanov	rubanov	PROPN
ajfti-2387	453	12	,	,	PUNCT
ajfti-2387	453	13	p.	p.	NOUN
ajfti-2387	453	14	m.	m.	NOUN
ajfti-2387	453	15	(	(	PUNCT
ajfti-2387	453	16	2020	2020	NUM
ajfti-2387	453	17	)	)	PUNCT
ajfti-2387	453	18	.	.	PUNCT
ajfti-2387	454	1	fintech	fintech	NOUN
ajfti-2387	454	2	in	in	ADP
ajfti-2387	454	3	economic	economic	ADJ
ajfti-2387	454	4	growth	growth	NOUN
ajfti-2387	454	5	:	:	PUNCT
ajfti-2387	454	6	cross	cross	ADJ
ajfti-2387	454	7	-	-	ADJ
ajfti-2387	454	8	country	country	ADJ
ajfti-2387	454	9	analysis	analysis	NOUN
ajfti-2387	454	10	.	.	PUNCT
ajfti-2387	455	1	varazdin	varazdin	VERB
ajfti-2387	455	2	development	development	NOUN
ajfti-2387	455	3	and	and	CCONJ
ajfti-2387	455	4	entrepreneurship	entrepreneurship	NOUN
ajfti-2387	455	5	agency	agency	NOUN
ajfti-2387	455	6	;	;	PUNCT
ajfti-2387	455	7	university	university	NOUN
ajfti-2387	455	8	north	north	NOUN
ajfti-2387	455	9	.	.	PUNCT
ajfti-2387	456	1	schilling	schilling	NOUN
ajfti-2387	456	2	,	,	PUNCT
ajfti-2387	456	3	m.	m.	NOUN
ajfti-2387	456	4	a.	a.	NOUN
ajfti-2387	456	5	(	(	PUNCT
ajfti-2387	456	6	2013	2013	NUM
ajfti-2387	456	7	)	)	PUNCT
ajfti-2387	456	8	.	.	PUNCT
ajfti-2387	457	1	strategic	strategic	ADJ
ajfti-2387	457	2	management	management	NOUN
ajfti-2387	457	3	of	of	ADP
ajfti-2387	457	4	technological	technological	ADJ
ajfti-2387	457	5	innovation	innovation	NOUN
ajfti-2387	457	6	(	(	PUNCT
ajfti-2387	457	7	4th	4th	ADJ
ajfti-2387	457	8	ed	ed	NOUN
ajfti-2387	457	9	.	.	PUNCT
ajfti-2387	457	10	)	)	PUNCT
ajfti-2387	457	11	.	.	PUNCT
ajfti-2387	458	1	mcgraw	mcgraw	PROPN
ajfti-2387	458	2	-	-	PUNCT
ajfti-2387	458	3	hill	hill	NOUN
ajfti-2387	458	4	education	education	NOUN
ajfti-2387	458	5	.	.	PUNCT
ajfti-2387	459	1	sharar	sharar	PROPN
ajfti-2387	459	2	,	,	PUNCT
ajfti-2387	459	3	d.	d.	PROPN
ajfti-2387	459	4	z.	z.	PROPN
ajfti-2387	459	5	,	,	PUNCT
ajfti-2387	459	6	&	&	CCONJ
ajfti-2387	459	7	earley	earley	PROPN
ajfti-2387	459	8	,	,	PUNCT
ajfti-2387	459	9	m.	m.	NOUN
ajfti-2387	459	10	(	(	PUNCT
ajfti-2387	459	11	2018	2018	NUM
ajfti-2387	459	12	)	)	PUNCT
ajfti-2387	459	13	.	.	PUNCT
ajfti-2387	460	1	the	the	DET
ajfti-2387	460	2	qatar	qatar	PROPN
ajfti-2387	460	3	international	international	PROPN
ajfti-2387	460	4	court	court	NOUN
ajfti-2387	460	5	:	:	PUNCT
ajfti-2387	460	6	judicial	judicial	ADJ
ajfti-2387	460	7	updates	update	NOUN
ajfti-2387	460	8	.	.	PUNCT
ajfti-2387	461	1	lexis	lexis	PROPN
ajfti-2387	461	2	nexis	nexis	PROPN
ajfti-2387	461	3	/	/	SYM
ajfti-2387	461	4	the	the	DET
ajfti-2387	461	5	mena	mena	PROPN
ajfti-2387	461	6	business	business	PROPN
ajfti-2387	461	7	law	law	PROPN
ajfti-2387	461	8	review	review	PROPN
ajfti-2387	461	9	.	.	PUNCT
ajfti-2387	462	1	skoric	skoric	ADJ
ajfti-2387	462	2	,	,	PUNCT
ajfti-2387	462	3	m.	m.	NOUN
ajfti-2387	462	4	m.	m.	NOUN
ajfti-2387	462	5	,	,	PUNCT
ajfti-2387	462	6	tse	tse	PROPN
ajfti-2387	462	7	,	,	PUNCT
ajfti-2387	462	8	c.	c.	PROPN
ajfti-2387	462	9	h.	h.	PROPN
ajfti-2387	462	10	,	,	PUNCT
ajfti-2387	462	11	kasadha	kasadha	PROPN
ajfti-2387	462	12	,	,	PUNCT
ajfti-2387	462	13	j.	j.	PROPN
ajfti-2387	462	14	,	,	PUNCT
ajfti-2387	462	15	&	&	CCONJ
ajfti-2387	462	16	jeremy	jeremy	PROPN
ajfti-2387	462	17	,	,	PUNCT
ajfti-2387	462	18	p.	p.	NOUN
ajfti-2387	462	19	(	(	PUNCT
ajfti-2387	462	20	2022	2022	NUM
ajfti-2387	462	21	)	)	PUNCT
ajfti-2387	462	22	.	.	PUNCT
ajfti-2387	463	1	fintech	fintech	NOUN
ajfti-2387	463	2	,	,	PUNCT
ajfti-2387	463	3	data	datum	NOUN
ajfti-2387	463	4	,	,	PUNCT
ajfti-2387	463	5	innovation	innovation	NOUN
ajfti-2387	463	6	and	and	CCONJ
ajfti-2387	463	7	privacy	privacy	NOUN
ajfti-2387	463	8	in	in	ADP
ajfti-2387	463	9	hong	hong	PROPN
ajfti-2387	463	10	kong	kong	PROPN
ajfti-2387	463	11	.	.	PUNCT
ajfti-2387	464	1	sreedharan	sreedharan	PROPN
ajfti-2387	464	2	v	v	PROPN
ajfti-2387	464	3	,	,	PUNCT
ajfti-2387	464	4	r.	r.	PROPN
ajfti-2387	464	5	,	,	PUNCT
ajfti-2387	464	6	&	&	CCONJ
ajfti-2387	464	7	saha	saha	PROPN
ajfti-2387	464	8	,	,	PUNCT
ajfti-2387	464	9	r.	r.	PROPN
ajfti-2387	464	10	(	(	PUNCT
ajfti-2387	464	11	2021	2021	NUM
ajfti-2387	464	12	)	)	PUNCT
ajfti-2387	464	13	.	.	PUNCT
ajfti-2387	465	1	an	an	DET
ajfti-2387	465	2	integrated	integrate	VERB
ajfti-2387	465	3	framework	framework	NOUN
ajfti-2387	465	4	for	for	ADP
ajfti-2387	465	5	service	service	NOUN
ajfti-2387	465	6	quality	quality	NOUN
ajfti-2387	465	7	,	,	PUNCT
ajfti-2387	465	8	choice	choice	NOUN
ajfti-2387	465	9	overload	overload	NOUN
ajfti-2387	465	10	,	,	PUNCT
ajfti-2387	465	11	customer	customer	NOUN
ajfti-2387	465	12	involvement	involvement	NOUN
ajfti-2387	465	13	and	and	CCONJ
ajfti-2387	465	14	satisfaction	satisfaction	NOUN
ajfti-2387	465	15	:	:	PUNCT
ajfti-2387	465	16	evidence	evidence	NOUN
ajfti-2387	465	17	from	from	ADP
ajfti-2387	465	18	india	india	PROPN
ajfti-2387	465	19	’s	’s	PART
ajfti-2387	465	20	non	non	ADJ
ajfti-2387	465	21	-	-	ADJ
ajfti-2387	465	22	life	life	ADJ
ajfti-2387	465	23	insurance	insurance	NOUN
ajfti-2387	465	24	sector	sector	NOUN
ajfti-2387	465	25	.	.	PUNCT
ajfti-2387	466	1	management	management	NOUN
ajfti-2387	466	2	decision	decision	NOUN
ajfti-2387	466	3	,	,	PUNCT
ajfti-2387	466	4	59(4	59(4	NUM
ajfti-2387	466	5	)	)	PUNCT
ajfti-2387	466	6	,	,	PUNCT
ajfti-2387	466	7	801	801	NUM
ajfti-2387	466	8	-	-	SYM
ajfti-2387	466	9	828	828	NUM
ajfti-2387	466	10	.	.	PUNCT
ajfti-2387	466	11	statista	statista	NOUN
ajfti-2387	466	12	.	.	PUNCT
ajfti-2387	467	1	(	(	PUNCT
ajfti-2387	467	2	2023	2023	NUM
ajfti-2387	467	3	)	)	PUNCT
ajfti-2387	467	4	.	.	PUNCT
ajfti-2387	468	1	forecast	forecast	NOUN
ajfti-2387	468	2	of	of	ADP
ajfti-2387	468	3	the	the	DET
ajfti-2387	468	4	global	global	ADJ
ajfti-2387	468	5	insurance	insurance	NOUN
ajfti-2387	468	6	market	market	NOUN
ajfti-2387	468	7	2028	2028	NUM
ajfti-2387	468	8	.	.	PUNCT
ajfti-2387	469	1	statista	statista	PROPN
ajfti-2387	469	2	.	.	PUNCT
ajfti-2387	470	1	https://www.statista.com/	https://www.statista.com/	PROPN
ajfti-2387	470	2	statistics/1192960	statistics/1192960	PROPN
ajfti-2387	470	3	/	/	PUNCT
ajfti-2387	470	4	forecast	forecast	NOUN
ajfti-2387	470	5	-	-	PUNCT
ajfti-2387	470	6	global	global	ADJ
ajfti-2387	470	7	-	-	PUNCT
ajfti-2387	470	8	insurancemarket/	insurancemarket/	NUM
ajfti-2387	470	9	svetlana	svetlana	PROPN
ajfti-2387	470	10	,	,	PUNCT
ajfti-2387	470	11	v.	v.	PROPN
ajfti-2387	470	12	(	(	PUNCT
ajfti-2387	470	13	2016	2016	NUM
ajfti-2387	470	14	)	)	PUNCT
ajfti-2387	470	15	.	.	PUNCT
ajfti-2387	471	1	insurtech	insurtech	PROPN
ajfti-2387	471	2	:	:	PUNCT
ajfti-2387	471	3	challeges	challege	NOUN
ajfti-2387	471	4	and	and	CCONJ
ajfti-2387	471	5	development	development	NOUN
ajfti-2387	471	6	perspectives	perspective	NOUN
ajfti-2387	471	7	.	.	PUNCT
ajfti-2387	472	1	international	international	ADJ
ajfti-2387	472	2	journal	journal	NOUN
ajfti-2387	472	3	of	of	ADP
ajfti-2387	472	4	innovative	innovative	ADJ
ajfti-2387	472	5	technologies	technology	NOUN
ajfti-2387	472	6	in	in	ADP
ajfti-2387	472	7	economy	economy	NOUN
ajfti-2387	472	8	,	,	PUNCT
ajfti-2387	472	9	3(5	3(5	NUM
ajfti-2387	472	10	)	)	PUNCT
ajfti-2387	472	11	,	,	PUNCT
ajfti-2387	472	12	39	39	NUM
ajfti-2387	472	13	-	-	SYM
ajfti-2387	472	14	42	42	NUM
ajfti-2387	472	15	.	.	PUNCT
ajfti-2387	473	1	tohang	tohang	PROPN
ajfti-2387	473	2	,	,	PUNCT
ajfti-2387	473	3	v.	v.	ADV
ajfti-2387	473	4	,	,	PUNCT
ajfti-2387	473	5	ramadhan	ramadhan	PROPN
ajfti-2387	473	6	,	,	PUNCT
ajfti-2387	473	7	a.	a.	NOUN
ajfti-2387	473	8	s.	s.	PROPN
ajfti-2387	473	9	,	,	PUNCT
ajfti-2387	473	10	&	&	CCONJ
ajfti-2387	473	11	djajadiningrat	djajadiningrat	PROPN
ajfti-2387	473	12	,	,	PUNCT
ajfti-2387	473	13	v.	v.	PROPN
ajfti-2387	473	14	(	(	PUNCT
ajfti-2387	473	15	2021	2021	NUM
ajfti-2387	473	16	)	)	PUNCT
ajfti-2387	473	17	.	.	PUNCT
ajfti-2387	474	1	an	an	DET
ajfti-2387	474	2	empirical	empirical	ADJ
ajfti-2387	474	3	study	study	NOUN
ajfti-2387	474	4	on	on	ADP
ajfti-2387	474	5	customer	customer	NOUN
ajfti-2387	474	6	acceptance	acceptance	NOUN
ajfti-2387	474	7	of	of	ADP
ajfti-2387	474	8	fintech	fintech	NOUN
ajfti-2387	474	9	3.0	3.0	NUM
ajfti-2387	474	10	in	in	ADP
ajfti-2387	474	11	private	private	ADJ
ajfti-2387	474	12	banking	banking	NOUN
ajfti-2387	474	13	.	.	PUNCT
ajfti-2387	475	1	in	in	ADP
ajfti-2387	475	2	2021	2021	NUM
ajfti-2387	475	3	international	international	ADJ
ajfti-2387	475	4	conference	conference	NOUN
ajfti-2387	475	5	on	on	ADP
ajfti-2387	475	6	information	information	NOUN
ajfti-2387	475	7	management	management	NOUN
ajfti-2387	475	8	and	and	CCONJ
ajfti-2387	475	9	technology	technology	NOUN
ajfti-2387	475	10	(	(	PUNCT
ajfti-2387	475	11	icimtech	icimtech	PROPN
ajfti-2387	475	12	)	)	PUNCT
ajfti-2387	475	13	.	.	PUNCT
ajfti-2387	476	1	tripathy	tripathy	PROPN
ajfti-2387	476	2	,	,	PUNCT
ajfti-2387	476	3	a.	a.	NOUN
ajfti-2387	476	4	(	(	PUNCT
ajfti-2387	476	5	2020	2020	NUM
ajfti-2387	476	6	)	)	PUNCT
ajfti-2387	476	7	.	.	PUNCT
ajfti-2387	477	1	covid-19	covid-19	PROPN
ajfti-2387	477	2	triggers	trigger	VERB
ajfti-2387	477	3	a	a	DET
ajfti-2387	477	4	paradigm	paradigm	NOUN
ajfti-2387	477	5	shift	shift	NOUN
ajfti-2387	477	6	in	in	ADP
ajfti-2387	477	7	technology	technology	NOUN
ajfti-2387	477	8	for	for	ADP
ajfti-2387	477	9	the	the	DET
ajfti-2387	477	10	insurance	insurance	NOUN
ajfti-2387	477	11	industry	industry	NOUN
ajfti-2387	477	12	.	.	PUNCT
ajfti-2387	478	1	ullah	ullah	PROPN
ajfti-2387	478	2	,	,	PUNCT
ajfti-2387	478	3	f.	f.	PROPN
ajfti-2387	478	4	,	,	PUNCT
ajfti-2387	478	5	qayyum	qayyum	PROPN
ajfti-2387	478	6	,	,	PUNCT
ajfti-2387	478	7	s.	s.	PROPN
ajfti-2387	478	8	,	,	PUNCT
ajfti-2387	478	9	thaheem	thaheem	PROPN
ajfti-2387	478	10	,	,	PUNCT
ajfti-2387	478	11	m.	m.	PROPN
ajfti-2387	478	12	j.	j.	PROPN
ajfti-2387	478	13	,	,	PUNCT
ajfti-2387	478	14	al	al	PROPN
ajfti-2387	478	15	-	-	PUNCT
ajfti-2387	478	16	turjman	turjman	PROPN
ajfti-2387	478	17	,	,	PUNCT
ajfti-2387	478	18	f.	f.	PROPN
ajfti-2387	478	19	,	,	PUNCT
ajfti-2387	478	20	&	&	CCONJ
ajfti-2387	478	21	sepasgozar	sepasgozar	PROPN
ajfti-2387	478	22	,	,	PUNCT
ajfti-2387	478	23	s.	s.	PROPN
ajfti-2387	478	24	m.	m.	PROPN
ajfti-2387	478	25	(	(	PUNCT
ajfti-2387	478	26	2021	2021	NUM
ajfti-2387	478	27	)	)	PUNCT
ajfti-2387	478	28	.	.	PUNCT
ajfti-2387	479	1	risk	risk	NOUN
ajfti-2387	479	2	management	management	NOUN
ajfti-2387	479	3	in	in	ADP
ajfti-2387	479	4	sustainable	sustainable	ADJ
ajfti-2387	479	5	smart	smart	ADJ
ajfti-2387	479	6	cities	city	NOUN
ajfti-2387	479	7	governance	governance	NOUN
ajfti-2387	479	8	:	:	PUNCT
ajfti-2387	479	9	a	a	DET
ajfti-2387	479	10	toe	toe	NOUN
ajfti-2387	479	11	framework	framework	NOUN
ajfti-2387	479	12	.	.	PUNCT
ajfti-2387	480	1	technological	technological	ADJ
ajfti-2387	480	2	forecasting	forecasting	NOUN
ajfti-2387	480	3	and	and	CCONJ
ajfti-2387	480	4	social	social	ADJ
ajfti-2387	480	5	change	change	NOUN
ajfti-2387	480	6	,	,	PUNCT
ajfti-2387	480	7	167	167	NUM
ajfti-2387	480	8	,	,	PUNCT
ajfti-2387	480	9	120743	120743	NUM
ajfti-2387	480	10	.	.	PUNCT
ajfti-2387	481	1	villegas	villegas	PROPN
ajfti-2387	481	2	-	-	PUNCT
ajfti-2387	481	3	mateos	mateos	PROPN
ajfti-2387	481	4	,	,	PUNCT
ajfti-2387	481	5	a.	a.	NOUN
ajfti-2387	481	6	(	(	PUNCT
ajfti-2387	481	7	2022	2022	NUM
ajfti-2387	481	8	)	)	PUNCT
ajfti-2387	481	9	.	.	PUNCT
ajfti-2387	482	1	toward	toward	ADP
ajfti-2387	482	2	a	a	DET
ajfti-2387	482	3	sustainable	sustainable	ADJ
ajfti-2387	482	4	entrepreneurial	entrepreneurial	ADJ
ajfti-2387	482	5	ecosystem	ecosystem	NOUN
ajfti-2387	482	6	in	in	ADP
ajfti-2387	482	7	qatar	qatar	PROPN
ajfti-2387	482	8	.	.	PUNCT
ajfti-2387	483	1	sustainability	sustainability	NOUN
ajfti-2387	483	2	,	,	PUNCT
ajfti-2387	483	3	15(1	15(1	NUM
ajfti-2387	483	4	)	)	PUNCT
ajfti-2387	483	5	,	,	PUNCT
ajfti-2387	483	6	127	127	NUM
ajfti-2387	483	7	.	.	PUNCT
ajfti-2387	484	1	wang	wang	PROPN
ajfti-2387	484	2	,	,	PUNCT
ajfti-2387	484	3	l.	l.	PROPN
ajfti-2387	484	4	l.	l.	PROPN
ajfti-2387	484	5	,	,	PUNCT
ajfti-2387	484	6	&	&	CCONJ
ajfti-2387	484	7	gao	gao	PROPN
ajfti-2387	484	8	,	,	PUNCT
ajfti-2387	484	9	y.	y.	PROPN
ajfti-2387	484	10	(	(	PUNCT
ajfti-2387	484	11	2021	2021	NUM
ajfti-2387	484	12	)	)	PUNCT
ajfti-2387	484	13	.	.	PUNCT
ajfti-2387	485	1	competition	competition	NOUN
ajfti-2387	485	2	network	network	NOUN
ajfti-2387	485	3	as	as	ADP
ajfti-2387	485	4	a	a	DET
ajfti-2387	485	5	source	source	NOUN
ajfti-2387	485	6	of	of	ADP
ajfti-2387	485	7	competitive	competitive	ADJ
ajfti-2387	485	8	advantage	advantage	NOUN
ajfti-2387	485	9	:	:	PUNCT
ajfti-2387	485	10	the	the	DET
ajfti-2387	485	11	dynamic	dynamic	ADJ
ajfti-2387	485	12	capability	capability	NOUN
ajfti-2387	485	13	perspective	perspective	NOUN
ajfti-2387	485	14	and	and	CCONJ
ajfti-2387	485	15	evidence	evidence	NOUN
ajfti-2387	485	16	from	from	ADP
ajfti-2387	485	17	china	china	PROPN
ajfti-2387	485	18	.	.	PUNCT
ajfti-2387	486	1	long	long	ADJ
ajfti-2387	486	2	range	range	NOUN
ajfti-2387	486	3	planning	planning	NOUN
ajfti-2387	486	4	,	,	PUNCT
ajfti-2387	486	5	54(2	54(2	NUM
ajfti-2387	486	6	)	)	PUNCT
ajfti-2387	486	7	,	,	PUNCT
ajfti-2387	486	8	102052	102052	NUM
ajfti-2387	486	9	.	.	PUNCT
ajfti-2387	487	1	wiegard	wiegard	NOUN
ajfti-2387	487	2	,	,	PUNCT
ajfti-2387	487	3	r.-b	r.-b	PROPN
ajfti-2387	487	4	.	.	PROPN
ajfti-2387	487	5	,	,	PUNCT
ajfti-2387	487	6	&	&	CCONJ
ajfti-2387	487	7	breitner	breitner	NOUN
ajfti-2387	487	8	,	,	PUNCT
ajfti-2387	487	9	m.	m.	NOUN
ajfti-2387	487	10	h.	h.	PROPN
ajfti-2387	487	11	(	(	PUNCT
ajfti-2387	487	12	2019	2019	NUM
ajfti-2387	487	13	)	)	PUNCT
ajfti-2387	487	14	.	.	PUNCT
ajfti-2387	488	1	smart	smart	ADJ
ajfti-2387	488	2	services	service	NOUN
ajfti-2387	488	3	in	in	ADP
ajfti-2387	488	4	healthcare	healthcare	PROPN
ajfti-2387	488	5	:	:	PUNCT
ajfti-2387	488	6	a	a	DET
ajfti-2387	488	7	risk	risk	NOUN
ajfti-2387	488	8	-	-	PUNCT
ajfti-2387	488	9	benefit	benefit	NOUN
ajfti-2387	488	10	-	-	PUNCT
ajfti-2387	488	11	analysis	analysis	NOUN
ajfti-2387	488	12	of	of	ADP
ajfti-2387	488	13	pay	pay	NOUN
ajfti-2387	488	14	-	-	PUNCT
ajfti-2387	488	15	as	as	ADP
ajfti-2387	488	16	-	-	PUNCT
ajfti-2387	488	17	youlive	youlive	ADJ
ajfti-2387	488	18	services	service	NOUN
ajfti-2387	488	19	from	from	ADP
ajfti-2387	488	20	customer	customer	NOUN
ajfti-2387	488	21	perspective	perspective	NOUN
ajfti-2387	488	22	in	in	ADP
ajfti-2387	488	23	germany	germany	PROPN
ajfti-2387	488	24	.	.	PUNCT
ajfti-2387	489	1	electronic	electronic	ADJ
ajfti-2387	489	2	markets	market	NOUN
ajfti-2387	489	3	,	,	PUNCT
ajfti-2387	489	4	29	29	NUM
ajfti-2387	489	5	,	,	PUNCT
ajfti-2387	489	6	107	107	NUM
ajfti-2387	489	7	-	-	SYM
ajfti-2387	489	8	123	123	NUM
ajfti-2387	489	9	.	.	PUNCT
ajfti-2387	490	1	wilson	wilson	PROPN
ajfti-2387	490	2	,	,	PUNCT
ajfti-2387	490	3	s.	s.	PROPN
ajfti-2387	490	4	(	(	PUNCT
ajfti-2387	490	5	2020	2020	NUM
ajfti-2387	490	6	)	)	PUNCT
ajfti-2387	490	7	.	.	PUNCT
ajfti-2387	491	1	the	the	DET
ajfti-2387	491	2	pandemic	pandemic	ADJ
ajfti-2387	491	3	,	,	PUNCT
ajfti-2387	491	4	the	the	DET
ajfti-2387	491	5	acceleration	acceleration	NOUN
ajfti-2387	491	6	of	of	ADP
ajfti-2387	491	7	digital	digital	ADJ
ajfti-2387	491	8	transformation	transformation	NOUN
ajfti-2387	491	9	and	and	CCONJ
ajfti-2387	491	10	the	the	DET
ajfti-2387	491	11	impact	impact	NOUN
ajfti-2387	491	12	on	on	ADP
ajfti-2387	491	13	cyber	cyber	ADJ
ajfti-2387	491	14	security	security	NOUN
ajfti-2387	491	15	.	.	PUNCT
ajfti-2387	492	1	computer	computer	NOUN
ajfti-2387	492	2	fraud	fraud	PROPN
ajfti-2387	492	3	&	&	CCONJ
ajfti-2387	492	4	security	security	NOUN
ajfti-2387	492	5	,	,	PUNCT
ajfti-2387	492	6	2020(12	2020(12	NUM
ajfti-2387	492	7	)	)	PUNCT
ajfti-2387	492	8	,	,	PUNCT
ajfti-2387	492	9	13–15	13–15	PROPN
ajfti-2387	492	10	.	.	PUNCT
ajfti-2387	493	1	xu	xu	PROPN
ajfti-2387	493	2	,	,	PUNCT
ajfti-2387	493	3	x.	x.	PROPN
ajfti-2387	493	4	,	,	PUNCT
ajfti-2387	493	5	&	&	CCONJ
ajfti-2387	493	6	zweifel	zweifel	PROPN
ajfti-2387	493	7	,	,	PUNCT
ajfti-2387	493	8	p.	p.	NOUN
ajfti-2387	493	9	(	(	PUNCT
ajfti-2387	493	10	2020	2020	NUM
ajfti-2387	493	11	)	)	PUNCT
ajfti-2387	493	12	.	.	PUNCT
ajfti-2387	494	1	a	a	DET
ajfti-2387	494	2	framework	framework	NOUN
ajfti-2387	494	3	for	for	ADP
ajfti-2387	494	4	the	the	DET
ajfti-2387	494	5	evaluation	evaluation	NOUN
ajfti-2387	494	6	of	of	ADP
ajfti-2387	494	7	insurtech	insurtech	NOUN
ajfti-2387	494	8	.	.	PUNCT
ajfti-2387	495	1	risk	risk	NOUN
ajfti-2387	495	2	management	management	NOUN
ajfti-2387	495	3	and	and	CCONJ
ajfti-2387	495	4	insurance	insurance	NOUN
ajfti-2387	495	5	review	review	NOUN
ajfti-2387	495	6	,	,	PUNCT
ajfti-2387	495	7	23(4	23(4	NOUN
ajfti-2387	495	8	)	)	PUNCT
ajfti-2387	495	9	,	,	PUNCT
ajfti-2387	495	10	305	305	NUM
ajfti-2387	495	11	-	-	SYM
ajfti-2387	495	12	329	329	NUM
ajfti-2387	495	13	.	.	PUNCT
ajfti-2387	496	1	zahra	zahra	PROPN
ajfti-2387	496	2	,	,	PUNCT
ajfti-2387	496	3	s.	s.	PROPN
ajfti-2387	496	4	a.	a.	PROPN
ajfti-2387	496	5	(	(	PUNCT
ajfti-2387	496	6	2021	2021	NUM
ajfti-2387	496	7	)	)	PUNCT
ajfti-2387	496	8	.	.	PUNCT
ajfti-2387	497	1	the	the	DET
ajfti-2387	497	2	resource	resource	NOUN
ajfti-2387	497	3	-	-	PUNCT
ajfti-2387	497	4	based	base	VERB
ajfti-2387	497	5	view	view	NOUN
ajfti-2387	497	6	,	,	PUNCT
ajfti-2387	497	7	resourcefulness	resourcefulness	NOUN
ajfti-2387	497	8	,	,	PUNCT
ajfti-2387	497	9	and	and	CCONJ
ajfti-2387	497	10	resource	resource	NOUN
ajfti-2387	497	11	management	management	NOUN
ajfti-2387	497	12	in	in	ADP
ajfti-2387	497	13	startup	startup	NOUN
ajfti-2387	497	14	firms	firm	NOUN
ajfti-2387	497	15	:	:	PUNCT
ajfti-2387	497	16	a	a	DET
ajfti-2387	497	17	proposed	propose	VERB
ajfti-2387	497	18	research	research	NOUN
ajfti-2387	497	19	agenda	agenda	NOUN
ajfti-2387	497	20	.	.	PUNCT
ajfti-2387	498	1	journal	journal	PROPN
ajfti-2387	498	2	of	of	ADP
ajfti-2387	498	3	management	management	NOUN
ajfti-2387	498	4	,	,	PUNCT
ajfti-2387	498	5	47(7	47(7	NOUN
ajfti-2387	498	6	)	)	PUNCT
ajfti-2387	498	7	,	,	PUNCT
ajfti-2387	498	8	1841	1841	NUM
ajfti-2387	498	9	-	-	SYM
ajfti-2387	498	10	1860	1860	NUM
ajfti-2387	498	11	.	.	PUNCT