id	sid	tid	token	lemma	pos
ajird-1492	1	1	american	american	PROPN
ajird-1492	1	2	journal	journal	PROPN
ajird-1492	1	3	of	of	ADP
ajird-1492	1	4	interdisciplinary	interdisciplinary	ADJ
ajird-1492	1	5	research	research	NOUN
ajird-1492	1	6	and	and	CCONJ
ajird-1492	1	7	development	development	NOUN
ajird-1492	1	8	issn	issn	PROPN
ajird-1492	1	9	online	online	NOUN
ajird-1492	1	10	:	:	PUNCT
ajird-1492	1	11	2771	2771	NUM
ajird-1492	1	12	-	-	SYM
ajird-1492	1	13	8948	8948	NUM
ajird-1492	1	14	website	website	NOUN
ajird-1492	1	15	:	:	PUNCT
ajird-1492	1	16	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1492	1	17	volume	volume	NOUN
ajird-1492	1	18	38	38	NUM
ajird-1492	1	19	,	,	PUNCT
ajird-1492	1	20	march	march	PROPN
ajird-1492	1	21	2025	2025	NUM
ajird-1492	1	22	24	24	NUM
ajird-1492	2	1	|	|	ADV
ajird-1492	2	2	p	p	NOUN
ajird-1492	2	3	a	a	DET
ajird-1492	2	4	g	g	NOUN
ajird-1492	2	5	e	e	NOUN
ajird-1492	2	6	financial	financial	ADJ
ajird-1492	2	7	literacy	literacy	NOUN
ajird-1492	2	8	of	of	ADP
ajird-1492	2	9	clients	client	NOUN
ajird-1492	2	10	:	:	PUNCT
ajird-1492	2	11	current	current	ADJ
ajird-1492	2	12	issues	issue	NOUN
ajird-1492	2	13	in	in	ADP
ajird-1492	2	14	banking	banking	NOUN
ajird-1492	2	15	practice	practice	NOUN
ajird-1492	2	16	narzieva	narzieva	PROPN
ajird-1492	2	17	guzal	guzal	PROPN
ajird-1492	2	18	baxtiyorovna	baxtiyorovna	PROPN
ajird-1492	2	19	,	,	PUNCT
ajird-1492	2	20	teacher	teacher	NOUN
ajird-1492	2	21	,	,	PUNCT
ajird-1492	2	22	samarkand	samarkand	PROPN
ajird-1492	2	23	state	state	PROPN
ajird-1492	2	24	university	university	PROPN
ajird-1492	2	25	veterinary	veterinary	ADJ
ajird-1492	2	26	medicine	medicine	NOUN
ajird-1492	2	27	of	of	ADP
ajird-1492	2	28	livestock	livestock	NOUN
ajird-1492	2	29	and	and	CCONJ
ajird-1492	2	30	biotechnologies	biotechnology	NOUN
ajird-1492	2	31	,	,	PUNCT
ajird-1492	2	32	uzbekistan	uzbekistan	PROPN
ajird-1492	2	33	abstract	abstract	ADJ
ajird-1492	2	34	financial	financial	ADJ
ajird-1492	2	35	literacy	literacy	NOUN
ajird-1492	2	36	plays	play	VERB
ajird-1492	2	37	a	a	DET
ajird-1492	2	38	crucial	crucial	ADJ
ajird-1492	2	39	role	role	NOUN
ajird-1492	2	40	in	in	ADP
ajird-1492	2	41	ensuring	ensure	VERB
ajird-1492	2	42	individuals	individual	NOUN
ajird-1492	2	43	can	can	AUX
ajird-1492	2	44	effectively	effectively	ADV
ajird-1492	2	45	interact	interact	VERB
ajird-1492	2	46	with	with	ADP
ajird-1492	2	47	banking	banking	NOUN
ajird-1492	2	48	institutions	institution	NOUN
ajird-1492	2	49	,	,	PUNCT
ajird-1492	2	50	make	make	VERB
ajird-1492	2	51	informed	informed	ADJ
ajird-1492	2	52	financial	financial	ADJ
ajird-1492	2	53	decisions	decision	NOUN
ajird-1492	2	54	,	,	PUNCT
ajird-1492	2	55	and	and	CCONJ
ajird-1492	2	56	manage	manage	VERB
ajird-1492	2	57	personal	personal	ADJ
ajird-1492	2	58	finances	finance	NOUN
ajird-1492	2	59	.	.	PUNCT
ajird-1492	3	1	the	the	DET
ajird-1492	3	2	research	research	NOUN
ajird-1492	3	3	is	be	AUX
ajird-1492	3	4	based	base	VERB
ajird-1492	3	5	on	on	ADP
ajird-1492	3	6	qualitative	qualitative	ADJ
ajird-1492	3	7	data	datum	NOUN
ajird-1492	3	8	collected	collect	VERB
ajird-1492	3	9	through	through	ADP
ajird-1492	3	10	semi	semi	ADJ
ajird-1492	3	11	-	-	ADJ
ajird-1492	3	12	structured	structured	ADJ
ajird-1492	3	13	interviews	interview	NOUN
ajird-1492	3	14	with	with	ADP
ajird-1492	3	15	banking	banking	NOUN
ajird-1492	3	16	customers	customer	NOUN
ajird-1492	3	17	and	and	CCONJ
ajird-1492	3	18	financial	financial	ADJ
ajird-1492	3	19	experts	expert	NOUN
ajird-1492	3	20	.	.	PUNCT
ajird-1492	4	1	the	the	DET
ajird-1492	4	2	findings	finding	NOUN
ajird-1492	4	3	indicate	indicate	VERB
ajird-1492	4	4	that	that	SCONJ
ajird-1492	4	5	insufficient	insufficient	ADJ
ajird-1492	4	6	financial	financial	ADJ
ajird-1492	4	7	literacy	literacy	NOUN
ajird-1492	4	8	leads	lead	VERB
ajird-1492	4	9	to	to	ADP
ajird-1492	4	10	poor	poor	ADJ
ajird-1492	4	11	financial	financial	ADJ
ajird-1492	4	12	decisions	decision	NOUN
ajird-1492	4	13	,	,	PUNCT
ajird-1492	4	14	including	include	VERB
ajird-1492	4	15	excessive	excessive	ADJ
ajird-1492	4	16	reliance	reliance	NOUN
ajird-1492	4	17	on	on	ADP
ajird-1492	4	18	credit	credit	NOUN
ajird-1492	4	19	,	,	PUNCT
ajird-1492	4	20	ineffective	ineffective	ADJ
ajird-1492	4	21	savings	saving	NOUN
ajird-1492	4	22	strategies	strategy	NOUN
ajird-1492	4	23	,	,	PUNCT
ajird-1492	4	24	and	and	CCONJ
ajird-1492	4	25	a	a	DET
ajird-1492	4	26	lack	lack	NOUN
ajird-1492	4	27	of	of	ADP
ajird-1492	4	28	awareness	awareness	NOUN
ajird-1492	4	29	about	about	ADP
ajird-1492	4	30	financial	financial	ADJ
ajird-1492	4	31	risks	risk	NOUN
ajird-1492	4	32	.	.	PUNCT
ajird-1492	5	1	the	the	DET
ajird-1492	5	2	study	study	NOUN
ajird-1492	5	3	also	also	ADV
ajird-1492	5	4	highlights	highlight	VERB
ajird-1492	5	5	how	how	SCONJ
ajird-1492	5	6	banks	bank	NOUN
ajird-1492	5	7	address	address	VERB
ajird-1492	5	8	these	these	DET
ajird-1492	5	9	challenges	challenge	NOUN
ajird-1492	5	10	through	through	ADP
ajird-1492	5	11	financial	financial	ADJ
ajird-1492	5	12	education	education	NOUN
ajird-1492	5	13	programs	program	NOUN
ajird-1492	5	14	,	,	PUNCT
ajird-1492	5	15	customer	customer	NOUN
ajird-1492	5	16	service	service	NOUN
ajird-1492	5	17	policies	policy	NOUN
ajird-1492	5	18	,	,	PUNCT
ajird-1492	5	19	and	and	CCONJ
ajird-1492	5	20	digital	digital	ADJ
ajird-1492	5	21	tools	tool	NOUN
ajird-1492	5	22	designed	design	VERB
ajird-1492	5	23	to	to	PART
ajird-1492	5	24	enhance	enhance	VERB
ajird-1492	5	25	financial	financial	ADJ
ajird-1492	5	26	awareness	awareness	NOUN
ajird-1492	5	27	.	.	PUNCT
ajird-1492	6	1	the	the	DET
ajird-1492	6	2	article	article	NOUN
ajird-1492	6	3	discusses	discuss	VERB
ajird-1492	6	4	the	the	DET
ajird-1492	6	5	main	main	ADJ
ajird-1492	6	6	problems	problem	NOUN
ajird-1492	6	7	associated	associate	VERB
ajird-1492	6	8	with	with	ADP
ajird-1492	6	9	financial	financial	ADJ
ajird-1492	6	10	illiteracy	illiteracy	NOUN
ajird-1492	6	11	in	in	ADP
ajird-1492	6	12	banking	banking	NOUN
ajird-1492	6	13	,	,	PUNCT
ajird-1492	6	14	examines	examine	VERB
ajird-1492	6	15	the	the	DET
ajird-1492	6	16	factors	factor	NOUN
ajird-1492	6	17	influencing	influence	VERB
ajird-1492	6	18	financial	financial	ADJ
ajird-1492	6	19	decision	decision	NOUN
ajird-1492	6	20	-	-	PUNCT
ajird-1492	6	21	making	making	NOUN
ajird-1492	6	22	,	,	PUNCT
ajird-1492	6	23	and	and	CCONJ
ajird-1492	6	24	suggests	suggest	VERB
ajird-1492	6	25	potential	potential	ADJ
ajird-1492	6	26	solutions	solution	NOUN
ajird-1492	6	27	for	for	ADP
ajird-1492	6	28	improving	improve	VERB
ajird-1492	6	29	financial	financial	ADJ
ajird-1492	6	30	literacy	literacy	NOUN
ajird-1492	6	31	among	among	ADP
ajird-1492	6	32	banking	banking	NOUN
ajird-1492	6	33	clients	client	NOUN
ajird-1492	6	34	.	.	PUNCT
ajird-1492	7	1	strengthening	strengthen	VERB
ajird-1492	7	2	financial	financial	ADJ
ajird-1492	7	3	literacy	literacy	NOUN
ajird-1492	7	4	is	be	AUX
ajird-1492	7	5	essential	essential	ADJ
ajird-1492	7	6	for	for	ADP
ajird-1492	7	7	reducing	reduce	VERB
ajird-1492	7	8	financial	financial	ADJ
ajird-1492	7	9	risks	risk	NOUN
ajird-1492	7	10	,	,	PUNCT
ajird-1492	7	11	increasing	increase	VERB
ajird-1492	7	12	customer	customer	NOUN
ajird-1492	7	13	confidence	confidence	NOUN
ajird-1492	7	14	in	in	ADP
ajird-1492	7	15	banking	banking	NOUN
ajird-1492	7	16	services	service	NOUN
ajird-1492	7	17	,	,	PUNCT
ajird-1492	7	18	and	and	CCONJ
ajird-1492	7	19	improving	improve	VERB
ajird-1492	7	20	the	the	DET
ajird-1492	7	21	overall	overall	ADJ
ajird-1492	7	22	financial	financial	ADJ
ajird-1492	7	23	health	health	NOUN
ajird-1492	7	24	of	of	ADP
ajird-1492	7	25	individuals	individual	NOUN
ajird-1492	7	26	and	and	CCONJ
ajird-1492	7	27	households	household	NOUN
ajird-1492	7	28	.	.	PUNCT
ajird-1492	8	1	keywords	keyword	NOUN
ajird-1492	8	2	:	:	PUNCT
ajird-1492	8	3	savings	saving	NOUN
ajird-1492	8	4	and	and	CCONJ
ajird-1492	8	5	investment	investment	NOUN
ajird-1492	8	6	,	,	PUNCT
ajird-1492	8	7	digital	digital	ADJ
ajird-1492	8	8	banking	banking	NOUN
ajird-1492	8	9	,	,	PUNCT
ajird-1492	8	10	financial	financial	ADJ
ajird-1492	8	11	education	education	NOUN
ajird-1492	8	12	,	,	PUNCT
ajird-1492	8	13	consumer	consumer	NOUN
ajird-1492	8	14	financial	financial	ADJ
ajird-1492	8	15	behavior	behavior	NOUN
ajird-1492	8	16	,	,	PUNCT
ajird-1492	8	17	banking	banking	NOUN
ajird-1492	8	18	services	service	NOUN
ajird-1492	8	19	accessibility	accessibility	NOUN
ajird-1492	8	20	,	,	PUNCT
ajird-1492	8	21	financial	financial	ADJ
ajird-1492	8	22	risk	risk	NOUN
ajird-1492	8	23	management	management	NOUN
ajird-1492	8	24	.	.	PUNCT
ajird-1492	9	1	introduction	introduction	NOUN
ajird-1492	9	2	financial	financial	ADJ
ajird-1492	9	3	literacy	literacy	NOUN
ajird-1492	9	4	is	be	AUX
ajird-1492	9	5	a	a	DET
ajird-1492	9	6	key	key	ADJ
ajird-1492	9	7	component	component	NOUN
ajird-1492	9	8	of	of	ADP
ajird-1492	9	9	an	an	DET
ajird-1492	9	10	individual	individual	NOUN
ajird-1492	9	11	’s	’s	PART
ajird-1492	9	12	ability	ability	NOUN
ajird-1492	9	13	to	to	PART
ajird-1492	9	14	interact	interact	VERB
ajird-1492	9	15	with	with	ADP
ajird-1492	9	16	banking	banking	NOUN
ajird-1492	9	17	institutions	institution	NOUN
ajird-1492	9	18	,	,	PUNCT
ajird-1492	9	19	manage	manage	VERB
ajird-1492	9	20	their	their	PRON
ajird-1492	9	21	financial	financial	ADJ
ajird-1492	9	22	obligations	obligation	NOUN
ajird-1492	9	23	,	,	PUNCT
ajird-1492	9	24	and	and	CCONJ
ajird-1492	9	25	build	build	VERB
ajird-1492	9	26	long	long	ADJ
ajird-1492	9	27	-	-	PUNCT
ajird-1492	9	28	term	term	NOUN
ajird-1492	9	29	financial	financial	ADJ
ajird-1492	9	30	stability	stability	NOUN
ajird-1492	9	31	[	[	X
ajird-1492	9	32	1	1	NUM
ajird-1492	9	33	]	]	PUNCT
ajird-1492	9	34	.	.	PUNCT
ajird-1492	10	1	as	as	SCONJ
ajird-1492	10	2	banking	banking	NOUN
ajird-1492	10	3	services	service	NOUN
ajird-1492	10	4	become	become	VERB
ajird-1492	10	5	more	more	ADV
ajird-1492	10	6	complex	complex	ADJ
ajird-1492	10	7	,	,	PUNCT
ajird-1492	10	8	customers	customer	NOUN
ajird-1492	10	9	are	be	AUX
ajird-1492	10	10	required	require	VERB
ajird-1492	10	11	to	to	PART
ajird-1492	10	12	have	have	VERB
ajird-1492	10	13	a	a	DET
ajird-1492	10	14	higher	high	ADJ
ajird-1492	10	15	level	level	NOUN
ajird-1492	10	16	of	of	ADP
ajird-1492	10	17	financial	financial	ADJ
ajird-1492	10	18	knowledge	knowledge	NOUN
ajird-1492	10	19	to	to	PART
ajird-1492	10	20	navigate	navigate	VERB
ajird-1492	10	21	credit	credit	NOUN
ajird-1492	10	22	products	product	NOUN
ajird-1492	10	23	,	,	PUNCT
ajird-1492	10	24	investment	investment	NOUN
ajird-1492	10	25	opportunities	opportunity	NOUN
ajird-1492	10	26	,	,	PUNCT
ajird-1492	10	27	and	and	CCONJ
ajird-1492	10	28	digital	digital	ADJ
ajird-1492	10	29	banking	banking	NOUN
ajird-1492	10	30	tools	tool	NOUN
ajird-1492	10	31	effectively	effectively	ADV
ajird-1492	10	32	.	.	PUNCT
ajird-1492	11	1	however	however	ADV
ajird-1492	11	2	,	,	PUNCT
ajird-1492	11	3	financial	financial	ADJ
ajird-1492	11	4	literacy	literacy	NOUN
ajird-1492	11	5	remains	remain	VERB
ajird-1492	11	6	a	a	DET
ajird-1492	11	7	challenge	challenge	NOUN
ajird-1492	11	8	for	for	ADP
ajird-1492	11	9	many	many	ADJ
ajird-1492	11	10	individuals	individual	NOUN
ajird-1492	11	11	,	,	PUNCT
ajird-1492	11	12	leading	lead	VERB
ajird-1492	11	13	to	to	ADP
ajird-1492	11	14	difficulties	difficulty	NOUN
ajird-1492	11	15	in	in	ADP
ajird-1492	11	16	understanding	understand	VERB
ajird-1492	11	17	loan	loan	NOUN
ajird-1492	11	18	agreements	agreement	NOUN
ajird-1492	11	19	,	,	PUNCT
ajird-1492	11	20	evaluating	evaluate	VERB
ajird-1492	11	21	financial	financial	ADJ
ajird-1492	11	22	risks	risk	NOUN
ajird-1492	11	23	,	,	PUNCT
ajird-1492	11	24	and	and	CCONJ
ajird-1492	11	25	selecting	select	VERB
ajird-1492	11	26	appropriate	appropriate	ADJ
ajird-1492	11	27	banking	banking	NOUN
ajird-1492	11	28	products	product	NOUN
ajird-1492	11	29	.	.	PUNCT
ajird-1492	12	1	in	in	ADP
ajird-1492	12	2	the	the	DET
ajird-1492	12	3	modern	modern	ADJ
ajird-1492	12	4	financial	financial	ADJ
ajird-1492	12	5	landscape	landscape	NOUN
ajird-1492	12	6	,	,	PUNCT
ajird-1492	12	7	banks	bank	NOUN
ajird-1492	12	8	offer	offer	VERB
ajird-1492	12	9	a	a	DET
ajird-1492	12	10	wide	wide	ADJ
ajird-1492	12	11	range	range	NOUN
ajird-1492	12	12	of	of	ADP
ajird-1492	12	13	services	service	NOUN
ajird-1492	12	14	,	,	PUNCT
ajird-1492	12	15	including	include	VERB
ajird-1492	12	16	credit	credit	NOUN
ajird-1492	12	17	and	and	CCONJ
ajird-1492	12	18	loan	loan	NOUN
ajird-1492	12	19	products	product	NOUN
ajird-1492	12	20	,	,	PUNCT
ajird-1492	12	21	savings	saving	NOUN
ajird-1492	12	22	and	and	CCONJ
ajird-1492	12	23	investment	investment	NOUN
ajird-1492	12	24	plans	plan	NOUN
ajird-1492	12	25	,	,	PUNCT
ajird-1492	12	26	insurance	insurance	NOUN
ajird-1492	12	27	,	,	PUNCT
ajird-1492	12	28	and	and	CCONJ
ajird-1492	12	29	digital	digital	ADJ
ajird-1492	12	30	payment	payment	NOUN
ajird-1492	12	31	solutions	solution	NOUN
ajird-1492	12	32	.	.	PUNCT
ajird-1492	13	1	while	while	SCONJ
ajird-1492	13	2	these	these	DET
ajird-1492	13	3	financial	financial	ADJ
ajird-1492	13	4	tools	tool	NOUN
ajird-1492	13	5	provide	provide	VERB
ajird-1492	13	6	opportunities	opportunity	NOUN
ajird-1492	13	7	for	for	ADP
ajird-1492	13	8	wealth	wealth	NOUN
ajird-1492	13	9	accumulation	accumulation	NOUN
ajird-1492	13	10	and	and	CCONJ
ajird-1492	13	11	financial	financial	ADJ
ajird-1492	13	12	security	security	NOUN
ajird-1492	13	13	,	,	PUNCT
ajird-1492	13	14	they	they	PRON
ajird-1492	13	15	also	also	ADV
ajird-1492	13	16	present	present	VERB
ajird-1492	13	17	risks	risk	NOUN
ajird-1492	13	18	if	if	SCONJ
ajird-1492	13	19	clients	client	NOUN
ajird-1492	13	20	lack	lack	VERB
ajird-1492	13	21	the	the	DET
ajird-1492	13	22	necessary	necessary	ADJ
ajird-1492	13	23	financial	financial	ADJ
ajird-1492	13	24	knowledge	knowledge	NOUN
ajird-1492	13	25	[	[	X
ajird-1492	13	26	2	2	NUM
ajird-1492	13	27	]	]	PUNCT
ajird-1492	13	28	.	.	PUNCT
ajird-1492	14	1	many	many	ADJ
ajird-1492	14	2	individuals	individual	NOUN
ajird-1492	14	3	make	make	VERB
ajird-1492	14	4	financial	financial	ADJ
ajird-1492	14	5	decisions	decision	NOUN
ajird-1492	14	6	based	base	VERB
ajird-1492	14	7	on	on	ADP
ajird-1492	14	8	limited	limited	ADJ
ajird-1492	14	9	understanding	understanding	NOUN
ajird-1492	14	10	,	,	PUNCT
ajird-1492	14	11	which	which	PRON
ajird-1492	14	12	can	can	AUX
ajird-1492	14	13	lead	lead	VERB
ajird-1492	14	14	to	to	ADP
ajird-1492	14	15	excessive	excessive	ADJ
ajird-1492	14	16	debt	debt	NOUN
ajird-1492	14	17	,	,	PUNCT
ajird-1492	14	18	poor	poor	ADJ
ajird-1492	14	19	credit	credit	NOUN
ajird-1492	14	20	management	management	NOUN
ajird-1492	14	21	,	,	PUNCT
ajird-1492	14	22	and	and	CCONJ
ajird-1492	14	23	financial	financial	ADJ
ajird-1492	14	24	instability	instability	NOUN
ajird-1492	14	25	.	.	PUNCT
ajird-1492	15	1	the	the	DET
ajird-1492	15	2	issue	issue	NOUN
ajird-1492	15	3	is	be	AUX
ajird-1492	15	4	further	far	ADV
ajird-1492	15	5	complicated	complicate	VERB
ajird-1492	15	6	by	by	ADP
ajird-1492	15	7	aggressive	aggressive	ADJ
ajird-1492	15	8	marketing	marketing	NOUN
ajird-1492	15	9	strategies	strategy	NOUN
ajird-1492	15	10	employed	employ	VERB
ajird-1492	15	11	by	by	ADP
ajird-1492	15	12	financial	financial	ADJ
ajird-1492	15	13	institutions	institution	NOUN
ajird-1492	15	14	,	,	PUNCT
ajird-1492	15	15	which	which	PRON
ajird-1492	15	16	american	american	PROPN
ajird-1492	15	17	journal	journal	NOUN
ajird-1492	15	18	of	of	ADP
ajird-1492	15	19	interdisciplinary	interdisciplinary	ADJ
ajird-1492	15	20	research	research	NOUN
ajird-1492	15	21	and	and	CCONJ
ajird-1492	15	22	development	development	NOUN
ajird-1492	15	23	issn	issn	PROPN
ajird-1492	15	24	online	online	NOUN
ajird-1492	15	25	:	:	PUNCT
ajird-1492	15	26	2771	2771	NUM
ajird-1492	15	27	-	-	SYM
ajird-1492	15	28	8948	8948	NUM
ajird-1492	15	29	website	website	NOUN
ajird-1492	15	30	:	:	PUNCT
ajird-1492	15	31	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1492	15	32	volume	volume	NOUN
ajird-1492	15	33	38	38	NUM
ajird-1492	15	34	,	,	PUNCT
ajird-1492	15	35	march	march	PROPN
ajird-1492	15	36	2025	2025	NUM
ajird-1492	15	37	25	25	NUM
ajird-1492	15	38	|	|	ADV
ajird-1492	15	39	p	p	ADP
ajird-1492	15	40	a	a	DET
ajird-1492	15	41	g	g	NOUN
ajird-1492	15	42	e	e	NOUN
ajird-1492	15	43	can	can	AUX
ajird-1492	15	44	encourage	encourage	VERB
ajird-1492	15	45	consumers	consumer	NOUN
ajird-1492	15	46	to	to	PART
ajird-1492	15	47	take	take	VERB
ajird-1492	15	48	on	on	ADP
ajird-1492	15	49	financial	financial	ADJ
ajird-1492	15	50	commitments	commitment	NOUN
ajird-1492	15	51	without	without	ADP
ajird-1492	15	52	fully	fully	ADV
ajird-1492	15	53	comprehending	comprehend	VERB
ajird-1492	15	54	the	the	DET
ajird-1492	15	55	associated	associated	ADJ
ajird-1492	15	56	risks	risk	NOUN
ajird-1492	15	57	.	.	PUNCT
ajird-1492	16	1	a	a	DET
ajird-1492	16	2	key	key	ADJ
ajird-1492	16	3	problem	problem	NOUN
ajird-1492	16	4	in	in	ADP
ajird-1492	16	5	banking	banking	NOUN
ajird-1492	16	6	practice	practice	NOUN
ajird-1492	16	7	is	be	AUX
ajird-1492	16	8	the	the	DET
ajird-1492	16	9	increasing	increase	VERB
ajird-1492	16	10	reliance	reliance	NOUN
ajird-1492	16	11	on	on	ADP
ajird-1492	16	12	credit	credit	NOUN
ajird-1492	16	13	products	product	NOUN
ajird-1492	16	14	by	by	ADP
ajird-1492	16	15	financially	financially	ADV
ajird-1492	16	16	illiterate	illiterate	ADJ
ajird-1492	16	17	customers	customer	NOUN
ajird-1492	16	18	.	.	PUNCT
ajird-1492	17	1	many	many	ADJ
ajird-1492	17	2	clients	client	NOUN
ajird-1492	17	3	fail	fail	VERB
ajird-1492	17	4	to	to	PART
ajird-1492	17	5	assess	assess	VERB
ajird-1492	17	6	their	their	PRON
ajird-1492	17	7	repayment	repayment	NOUN
ajird-1492	17	8	capacity	capacity	NOUN
ajird-1492	17	9	before	before	ADP
ajird-1492	17	10	taking	take	VERB
ajird-1492	17	11	out	out	ADP
ajird-1492	17	12	loans	loan	NOUN
ajird-1492	17	13	,	,	PUNCT
ajird-1492	17	14	leading	lead	VERB
ajird-1492	17	15	to	to	ADP
ajird-1492	17	16	high	high	ADJ
ajird-1492	17	17	levels	level	NOUN
ajird-1492	17	18	of	of	ADP
ajird-1492	17	19	indebtedness	indebtedness	NOUN
ajird-1492	17	20	[	[	X
ajird-1492	17	21	3	3	NUM
ajird-1492	17	22	]	]	PUNCT
ajird-1492	17	23	.	.	PUNCT
ajird-1492	18	1	similarly	similarly	ADV
ajird-1492	18	2	,	,	PUNCT
ajird-1492	18	3	a	a	DET
ajird-1492	18	4	lack	lack	NOUN
ajird-1492	18	5	of	of	ADP
ajird-1492	18	6	understanding	understanding	NOUN
ajird-1492	18	7	of	of	ADP
ajird-1492	18	8	savings	saving	NOUN
ajird-1492	18	9	and	and	CCONJ
ajird-1492	18	10	investment	investment	NOUN
ajird-1492	18	11	options	option	NOUN
ajird-1492	18	12	prevents	prevent	VERB
ajird-1492	18	13	customers	customer	NOUN
ajird-1492	18	14	from	from	ADP
ajird-1492	18	15	making	make	VERB
ajird-1492	18	16	optimal	optimal	ADJ
ajird-1492	18	17	financial	financial	ADJ
ajird-1492	18	18	choices	choice	NOUN
ajird-1492	18	19	,	,	PUNCT
ajird-1492	18	20	resulting	result	VERB
ajird-1492	18	21	in	in	ADP
ajird-1492	18	22	missed	miss	VERB
ajird-1492	18	23	opportunities	opportunity	NOUN
ajird-1492	18	24	for	for	ADP
ajird-1492	18	25	financial	financial	ADJ
ajird-1492	18	26	growth	growth	NOUN
ajird-1492	18	27	.	.	PUNCT
ajird-1492	19	1	the	the	DET
ajird-1492	19	2	growing	grow	VERB
ajird-1492	19	3	popularity	popularity	NOUN
ajird-1492	19	4	of	of	ADP
ajird-1492	19	5	digital	digital	ADJ
ajird-1492	19	6	banking	banking	NOUN
ajird-1492	19	7	also	also	ADV
ajird-1492	19	8	presents	present	VERB
ajird-1492	19	9	challenges	challenge	NOUN
ajird-1492	19	10	,	,	PUNCT
ajird-1492	19	11	as	as	ADP
ajird-1492	19	12	individuals	individual	NOUN
ajird-1492	19	13	with	with	ADP
ajird-1492	19	14	limited	limited	ADJ
ajird-1492	19	15	financial	financial	ADJ
ajird-1492	19	16	and	and	CCONJ
ajird-1492	19	17	technological	technological	ADJ
ajird-1492	19	18	literacy	literacy	NOUN
ajird-1492	19	19	struggle	struggle	NOUN
ajird-1492	19	20	to	to	PART
ajird-1492	19	21	use	use	VERB
ajird-1492	19	22	digital	digital	ADJ
ajird-1492	19	23	platforms	platform	NOUN
ajird-1492	19	24	securely	securely	ADV
ajird-1492	19	25	,	,	PUNCT
ajird-1492	19	26	exposing	expose	VERB
ajird-1492	19	27	themselves	themselves	PRON
ajird-1492	19	28	to	to	ADP
ajird-1492	19	29	fraud	fraud	NOUN
ajird-1492	19	30	and	and	CCONJ
ajird-1492	19	31	financial	financial	ADJ
ajird-1492	19	32	mismanagement	mismanagement	NOUN
ajird-1492	19	33	.	.	PUNCT
ajird-1492	20	1	this	this	DET
ajird-1492	20	2	study	study	NOUN
ajird-1492	20	3	aims	aim	VERB
ajird-1492	20	4	to	to	PART
ajird-1492	20	5	analyze	analyze	VERB
ajird-1492	20	6	the	the	DET
ajird-1492	20	7	current	current	ADJ
ajird-1492	20	8	issues	issue	NOUN
ajird-1492	20	9	related	relate	VERB
ajird-1492	20	10	to	to	ADP
ajird-1492	20	11	financial	financial	ADJ
ajird-1492	20	12	literacy	literacy	NOUN
ajird-1492	20	13	in	in	ADP
ajird-1492	20	14	banking	banking	NOUN
ajird-1492	20	15	practice	practice	NOUN
ajird-1492	20	16	,	,	PUNCT
ajird-1492	20	17	examine	examine	VERB
ajird-1492	20	18	the	the	DET
ajird-1492	20	19	factors	factor	NOUN
ajird-1492	20	20	influencing	influence	VERB
ajird-1492	20	21	clients	client	NOUN
ajird-1492	20	22	'	'	PART
ajird-1492	20	23	financial	financial	ADJ
ajird-1492	20	24	decision	decision	NOUN
ajird-1492	20	25	-	-	PUNCT
ajird-1492	20	26	making	making	NOUN
ajird-1492	20	27	,	,	PUNCT
ajird-1492	20	28	and	and	CCONJ
ajird-1492	20	29	explore	explore	VERB
ajird-1492	20	30	how	how	SCONJ
ajird-1492	20	31	banks	bank	NOUN
ajird-1492	20	32	are	be	AUX
ajird-1492	20	33	addressing	address	VERB
ajird-1492	20	34	these	these	DET
ajird-1492	20	35	challenges	challenge	NOUN
ajird-1492	20	36	.	.	PUNCT
ajird-1492	21	1	by	by	ADP
ajird-1492	21	2	identifying	identify	VERB
ajird-1492	21	3	the	the	DET
ajird-1492	21	4	key	key	ADJ
ajird-1492	21	5	barriers	barrier	NOUN
ajird-1492	21	6	to	to	ADP
ajird-1492	21	7	financial	financial	ADJ
ajird-1492	21	8	literacy	literacy	NOUN
ajird-1492	21	9	,	,	PUNCT
ajird-1492	21	10	the	the	DET
ajird-1492	21	11	study	study	NOUN
ajird-1492	21	12	seeks	seek	VERB
ajird-1492	21	13	to	to	PART
ajird-1492	21	14	provide	provide	VERB
ajird-1492	21	15	recommendations	recommendation	NOUN
ajird-1492	21	16	for	for	ADP
ajird-1492	21	17	improving	improve	VERB
ajird-1492	21	18	financial	financial	ADJ
ajird-1492	21	19	education	education	NOUN
ajird-1492	21	20	and	and	CCONJ
ajird-1492	21	21	increasing	increase	VERB
ajird-1492	21	22	the	the	DET
ajird-1492	21	23	effectiveness	effectiveness	NOUN
ajird-1492	21	24	of	of	ADP
ajird-1492	21	25	banking	banking	NOUN
ajird-1492	21	26	services	service	NOUN
ajird-1492	21	27	[	[	X
ajird-1492	21	28	4	4	NUM
ajird-1492	21	29	]	]	PUNCT
ajird-1492	21	30	.	.	PUNCT
ajird-1492	22	1	methods	method	NOUN
ajird-1492	22	2	to	to	PART
ajird-1492	22	3	examine	examine	VERB
ajird-1492	22	4	the	the	DET
ajird-1492	22	5	challenges	challenge	NOUN
ajird-1492	22	6	associated	associate	VERB
ajird-1492	22	7	with	with	ADP
ajird-1492	22	8	financial	financial	ADJ
ajird-1492	22	9	literacy	literacy	NOUN
ajird-1492	22	10	in	in	ADP
ajird-1492	22	11	banking	banking	NOUN
ajird-1492	22	12	practice	practice	NOUN
ajird-1492	22	13	,	,	PUNCT
ajird-1492	22	14	this	this	DET
ajird-1492	22	15	study	study	NOUN
ajird-1492	22	16	employed	employ	VERB
ajird-1492	22	17	qualitative	qualitative	ADJ
ajird-1492	22	18	research	research	NOUN
ajird-1492	22	19	methods	method	NOUN
ajird-1492	22	20	,	,	PUNCT
ajird-1492	22	21	focusing	focus	VERB
ajird-1492	22	22	on	on	ADP
ajird-1492	22	23	semi	semi	ADJ
ajird-1492	22	24	-	-	ADJ
ajird-1492	22	25	structured	structured	ADJ
ajird-1492	22	26	interviews	interview	NOUN
ajird-1492	22	27	with	with	ADP
ajird-1492	22	28	banking	banking	NOUN
ajird-1492	22	29	clients	client	NOUN
ajird-1492	22	30	and	and	CCONJ
ajird-1492	22	31	financial	financial	ADJ
ajird-1492	22	32	professionals	professional	NOUN
ajird-1492	22	33	.	.	PUNCT
ajird-1492	23	1	a	a	DET
ajird-1492	23	2	total	total	NOUN
ajird-1492	23	3	of	of	ADP
ajird-1492	23	4	25	25	NUM
ajird-1492	23	5	interviews	interview	NOUN
ajird-1492	23	6	were	be	AUX
ajird-1492	23	7	conducted	conduct	VERB
ajird-1492	23	8	,	,	PUNCT
ajird-1492	23	9	including	include	VERB
ajird-1492	23	10	discussions	discussion	NOUN
ajird-1492	23	11	with	with	ADP
ajird-1492	23	12	individual	individual	ADJ
ajird-1492	23	13	customers	customer	NOUN
ajird-1492	23	14	of	of	ADP
ajird-1492	23	15	various	various	ADJ
ajird-1492	23	16	age	age	NOUN
ajird-1492	23	17	groups	group	NOUN
ajird-1492	23	18	,	,	PUNCT
ajird-1492	23	19	income	income	NOUN
ajird-1492	23	20	levels	level	NOUN
ajird-1492	23	21	,	,	PUNCT
ajird-1492	23	22	and	and	CCONJ
ajird-1492	23	23	educational	educational	ADJ
ajird-1492	23	24	backgrounds	background	NOUN
ajird-1492	23	25	,	,	PUNCT
ajird-1492	23	26	as	as	ADV
ajird-1492	23	27	well	well	ADV
ajird-1492	23	28	as	as	ADP
ajird-1492	23	29	interviews	interview	NOUN
ajird-1492	23	30	with	with	ADP
ajird-1492	23	31	banking	banking	NOUN
ajird-1492	23	32	experts	expert	NOUN
ajird-1492	23	33	specializing	specialize	VERB
ajird-1492	23	34	in	in	ADP
ajird-1492	23	35	financial	financial	ADJ
ajird-1492	23	36	education	education	NOUN
ajird-1492	23	37	and	and	CCONJ
ajird-1492	23	38	customer	customer	NOUN
ajird-1492	23	39	service	service	NOUN
ajird-1492	23	40	.	.	PUNCT
ajird-1492	24	1	the	the	DET
ajird-1492	24	2	goal	goal	NOUN
ajird-1492	24	3	was	be	AUX
ajird-1492	24	4	to	to	PART
ajird-1492	24	5	explore	explore	VERB
ajird-1492	24	6	the	the	DET
ajird-1492	24	7	difficulties	difficulty	NOUN
ajird-1492	24	8	faced	face	VERB
ajird-1492	24	9	by	by	ADP
ajird-1492	24	10	clients	client	NOUN
ajird-1492	24	11	in	in	ADP
ajird-1492	24	12	understanding	understand	VERB
ajird-1492	24	13	financial	financial	ADJ
ajird-1492	24	14	products	product	NOUN
ajird-1492	24	15	and	and	CCONJ
ajird-1492	24	16	services	service	NOUN
ajird-1492	24	17	and	and	CCONJ
ajird-1492	24	18	to	to	PART
ajird-1492	24	19	assess	assess	VERB
ajird-1492	24	20	the	the	DET
ajird-1492	24	21	effectiveness	effectiveness	NOUN
ajird-1492	24	22	of	of	ADP
ajird-1492	24	23	current	current	ADJ
ajird-1492	24	24	financial	financial	ADJ
ajird-1492	24	25	literacy	literacy	NOUN
ajird-1492	24	26	initiatives	initiative	NOUN
ajird-1492	24	27	in	in	ADP
ajird-1492	24	28	the	the	DET
ajird-1492	24	29	banking	banking	NOUN
ajird-1492	24	30	sector	sector	NOUN
ajird-1492	24	31	[	[	X
ajird-1492	24	32	5	5	NUM
ajird-1492	24	33	]	]	PUNCT
ajird-1492	24	34	.	.	PUNCT
ajird-1492	25	1	the	the	DET
ajird-1492	25	2	interview	interview	NOUN
ajird-1492	25	3	questions	question	NOUN
ajird-1492	25	4	covered	cover	VERB
ajird-1492	25	5	key	key	ADJ
ajird-1492	25	6	aspects	aspect	NOUN
ajird-1492	25	7	such	such	ADJ
ajird-1492	25	8	as	as	ADP
ajird-1492	25	9	customers	customer	NOUN
ajird-1492	25	10	'	'	PART
ajird-1492	25	11	understanding	understanding	NOUN
ajird-1492	25	12	of	of	ADP
ajird-1492	25	13	loan	loan	NOUN
ajird-1492	25	14	agreements	agreement	NOUN
ajird-1492	25	15	,	,	PUNCT
ajird-1492	25	16	savings	saving	NOUN
ajird-1492	25	17	and	and	CCONJ
ajird-1492	25	18	investment	investment	NOUN
ajird-1492	25	19	products	product	NOUN
ajird-1492	25	20	,	,	PUNCT
ajird-1492	25	21	digital	digital	ADJ
ajird-1492	25	22	banking	banking	NOUN
ajird-1492	25	23	tools	tool	NOUN
ajird-1492	25	24	,	,	PUNCT
ajird-1492	25	25	financial	financial	ADJ
ajird-1492	25	26	risk	risk	NOUN
ajird-1492	25	27	assessment	assessment	NOUN
ajird-1492	25	28	,	,	PUNCT
ajird-1492	25	29	and	and	CCONJ
ajird-1492	25	30	their	their	PRON
ajird-1492	25	31	experience	experience	NOUN
ajird-1492	25	32	with	with	ADP
ajird-1492	25	33	banking	banking	NOUN
ajird-1492	25	34	customer	customer	NOUN
ajird-1492	25	35	service	service	NOUN
ajird-1492	25	36	.	.	PUNCT
ajird-1492	26	1	additionally	additionally	ADV
ajird-1492	26	2	,	,	PUNCT
ajird-1492	26	3	participants	participant	NOUN
ajird-1492	26	4	were	be	AUX
ajird-1492	26	5	asked	ask	VERB
ajird-1492	26	6	about	about	ADP
ajird-1492	26	7	their	their	PRON
ajird-1492	26	8	financial	financial	ADJ
ajird-1492	26	9	habits	habit	NOUN
ajird-1492	26	10	,	,	PUNCT
ajird-1492	26	11	including	include	VERB
ajird-1492	26	12	their	their	PRON
ajird-1492	26	13	approach	approach	NOUN
ajird-1492	26	14	to	to	ADP
ajird-1492	26	15	budgeting	budgeting	NOUN
ajird-1492	26	16	,	,	PUNCT
ajird-1492	26	17	debt	debt	NOUN
ajird-1492	26	18	management	management	NOUN
ajird-1492	26	19	,	,	PUNCT
ajird-1492	26	20	and	and	CCONJ
ajird-1492	26	21	long	long	ADJ
ajird-1492	26	22	-	-	PUNCT
ajird-1492	26	23	term	term	NOUN
ajird-1492	26	24	financial	financial	ADJ
ajird-1492	26	25	planning	planning	NOUN
ajird-1492	26	26	.	.	PUNCT
ajird-1492	27	1	the	the	DET
ajird-1492	27	2	qualitative	qualitative	ADJ
ajird-1492	27	3	data	datum	NOUN
ajird-1492	27	4	collected	collect	VERB
ajird-1492	27	5	from	from	ADP
ajird-1492	27	6	these	these	DET
ajird-1492	27	7	interviews	interview	NOUN
ajird-1492	27	8	were	be	AUX
ajird-1492	27	9	analyzed	analyze	VERB
ajird-1492	27	10	to	to	PART
ajird-1492	27	11	identify	identify	VERB
ajird-1492	27	12	common	common	ADJ
ajird-1492	27	13	themes	theme	NOUN
ajird-1492	27	14	and	and	CCONJ
ajird-1492	27	15	patterns	pattern	NOUN
ajird-1492	27	16	in	in	ADP
ajird-1492	27	17	financial	financial	ADJ
ajird-1492	27	18	literacy	literacy	NOUN
ajird-1492	27	19	challenges	challenge	NOUN
ajird-1492	27	20	among	among	ADP
ajird-1492	27	21	banking	banking	NOUN
ajird-1492	27	22	clients	client	NOUN
ajird-1492	28	1	[	[	X
ajird-1492	28	2	6	6	NUM
ajird-1492	28	3	]	]	PUNCT
ajird-1492	28	4	.	.	PUNCT
ajird-1492	29	1	secondary	secondary	ADJ
ajird-1492	29	2	sources	source	NOUN
ajird-1492	29	3	,	,	PUNCT
ajird-1492	29	4	including	include	VERB
ajird-1492	29	5	reports	report	NOUN
ajird-1492	29	6	from	from	ADP
ajird-1492	29	7	financial	financial	ADJ
ajird-1492	29	8	regulatory	regulatory	ADJ
ajird-1492	29	9	institutions	institution	NOUN
ajird-1492	29	10	,	,	PUNCT
ajird-1492	29	11	academic	academic	ADJ
ajird-1492	29	12	studies	study	NOUN
ajird-1492	29	13	on	on	ADP
ajird-1492	29	14	financial	financial	ADJ
ajird-1492	29	15	literacy	literacy	NOUN
ajird-1492	29	16	,	,	PUNCT
ajird-1492	29	17	and	and	CCONJ
ajird-1492	29	18	statistical	statistical	ADJ
ajird-1492	29	19	data	datum	NOUN
ajird-1492	29	20	on	on	ADP
ajird-1492	29	21	consumer	consumer	NOUN
ajird-1492	29	22	banking	banking	NOUN
ajird-1492	29	23	behavior	behavior	NOUN
ajird-1492	29	24	,	,	PUNCT
ajird-1492	29	25	were	be	AUX
ajird-1492	29	26	also	also	ADV
ajird-1492	29	27	reviewed	review	VERB
ajird-1492	29	28	to	to	PART
ajird-1492	29	29	provide	provide	VERB
ajird-1492	29	30	a	a	DET
ajird-1492	29	31	broader	broad	ADJ
ajird-1492	29	32	context	context	NOUN
ajird-1492	29	33	for	for	ADP
ajird-1492	29	34	the	the	DET
ajird-1492	29	35	findings	finding	NOUN
ajird-1492	29	36	.	.	PUNCT
ajird-1492	30	1	this	this	DET
ajird-1492	30	2	combination	combination	NOUN
ajird-1492	30	3	of	of	ADP
ajird-1492	30	4	primary	primary	ADJ
ajird-1492	30	5	and	and	CCONJ
ajird-1492	30	6	secondary	secondary	ADJ
ajird-1492	30	7	data	datum	NOUN
ajird-1492	30	8	helped	help	VERB
ajird-1492	30	9	create	create	VERB
ajird-1492	30	10	a	a	DET
ajird-1492	30	11	comprehensive	comprehensive	ADJ
ajird-1492	30	12	understanding	understanding	NOUN
ajird-1492	30	13	of	of	ADP
ajird-1492	30	14	financial	financial	ADJ
ajird-1492	30	15	literacy	literacy	NOUN
ajird-1492	30	16	issues	issue	NOUN
ajird-1492	30	17	in	in	ADP
ajird-1492	30	18	the	the	DET
ajird-1492	30	19	banking	banking	NOUN
ajird-1492	30	20	sector	sector	NOUN
ajird-1492	30	21	and	and	CCONJ
ajird-1492	30	22	the	the	DET
ajird-1492	30	23	measures	measure	NOUN
ajird-1492	30	24	currently	currently	ADV
ajird-1492	30	25	being	be	AUX
ajird-1492	30	26	taken	take	VERB
ajird-1492	30	27	to	to	PART
ajird-1492	30	28	address	address	VERB
ajird-1492	30	29	them	they	PRON
ajird-1492	30	30	.	.	PUNCT
ajird-1492	31	1	results	result	VERB
ajird-1492	31	2	the	the	DET
ajird-1492	31	3	findings	finding	NOUN
ajird-1492	31	4	from	from	ADP
ajird-1492	31	5	the	the	DET
ajird-1492	31	6	study	study	NOUN
ajird-1492	31	7	highlight	highlight	VERB
ajird-1492	31	8	several	several	ADJ
ajird-1492	31	9	key	key	ADJ
ajird-1492	31	10	challenges	challenge	NOUN
ajird-1492	31	11	related	relate	VERB
ajird-1492	31	12	to	to	ADP
ajird-1492	31	13	financial	financial	ADJ
ajird-1492	31	14	literacy	literacy	NOUN
ajird-1492	31	15	in	in	ADP
ajird-1492	31	16	banking	banking	NOUN
ajird-1492	31	17	practice	practice	NOUN
ajird-1492	32	1	[	[	X
ajird-1492	32	2	7	7	NUM
ajird-1492	32	3	]	]	PUNCT
ajird-1492	32	4	.	.	PUNCT
ajird-1492	33	1	one	one	NUM
ajird-1492	33	2	of	of	ADP
ajird-1492	33	3	the	the	DET
ajird-1492	33	4	most	most	ADV
ajird-1492	33	5	significant	significant	ADJ
ajird-1492	33	6	issues	issue	NOUN
ajird-1492	33	7	is	be	AUX
ajird-1492	33	8	the	the	DET
ajird-1492	33	9	widespread	widespread	ADJ
ajird-1492	33	10	american	american	ADJ
ajird-1492	33	11	journal	journal	NOUN
ajird-1492	33	12	of	of	ADP
ajird-1492	33	13	interdisciplinary	interdisciplinary	ADJ
ajird-1492	33	14	research	research	NOUN
ajird-1492	33	15	and	and	CCONJ
ajird-1492	33	16	development	development	NOUN
ajird-1492	33	17	issn	issn	PROPN
ajird-1492	33	18	online	online	NOUN
ajird-1492	33	19	:	:	PUNCT
ajird-1492	33	20	2771	2771	NUM
ajird-1492	33	21	-	-	SYM
ajird-1492	33	22	8948	8948	NUM
ajird-1492	33	23	website	website	NOUN
ajird-1492	33	24	:	:	PUNCT
ajird-1492	33	25	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1492	33	26	volume	volume	NOUN
ajird-1492	33	27	38	38	NUM
ajird-1492	33	28	,	,	PUNCT
ajird-1492	33	29	march	march	PROPN
ajird-1492	33	30	2025	2025	NUM
ajird-1492	33	31	26	26	NUM
ajird-1492	34	1	|	|	ADV
ajird-1492	34	2	p	p	ADP
ajird-1492	34	3	a	a	DET
ajird-1492	34	4	g	g	NOUN
ajird-1492	34	5	e	e	NOUN
ajird-1492	34	6	misunderstanding	misunderstanding	NOUN
ajird-1492	34	7	of	of	ADP
ajird-1492	34	8	credit	credit	NOUN
ajird-1492	34	9	terms	term	NOUN
ajird-1492	34	10	and	and	CCONJ
ajird-1492	34	11	conditions	condition	NOUN
ajird-1492	34	12	.	.	PUNCT
ajird-1492	35	1	many	many	ADJ
ajird-1492	35	2	customers	customer	NOUN
ajird-1492	35	3	sign	sign	VERB
ajird-1492	35	4	loan	loan	NOUN
ajird-1492	35	5	agreements	agreement	NOUN
ajird-1492	35	6	without	without	ADP
ajird-1492	35	7	fully	fully	ADV
ajird-1492	35	8	understanding	understand	VERB
ajird-1492	35	9	the	the	DET
ajird-1492	35	10	interest	interest	NOUN
ajird-1492	35	11	rates	rate	NOUN
ajird-1492	35	12	,	,	PUNCT
ajird-1492	35	13	repayment	repayment	NOUN
ajird-1492	35	14	schedules	schedule	NOUN
ajird-1492	35	15	,	,	PUNCT
ajird-1492	35	16	or	or	CCONJ
ajird-1492	35	17	potential	potential	ADJ
ajird-1492	35	18	penalties	penalty	NOUN
ajird-1492	35	19	for	for	ADP
ajird-1492	35	20	late	late	ADJ
ajird-1492	35	21	payments	payment	NOUN
ajird-1492	35	22	.	.	PUNCT
ajird-1492	36	1	as	as	ADP
ajird-1492	36	2	a	a	DET
ajird-1492	36	3	result	result	NOUN
ajird-1492	36	4	,	,	PUNCT
ajird-1492	36	5	they	they	PRON
ajird-1492	36	6	often	often	ADV
ajird-1492	36	7	struggle	struggle	VERB
ajird-1492	36	8	with	with	ADP
ajird-1492	36	9	excessive	excessive	ADJ
ajird-1492	36	10	debt	debt	NOUN
ajird-1492	36	11	,	,	PUNCT
ajird-1492	36	12	missed	miss	VERB
ajird-1492	36	13	payments	payment	NOUN
ajird-1492	36	14	,	,	PUNCT
ajird-1492	36	15	and	and	CCONJ
ajird-1492	36	16	negative	negative	ADJ
ajird-1492	36	17	credit	credit	NOUN
ajird-1492	36	18	histories	history	NOUN
ajird-1492	36	19	,	,	PUNCT
ajird-1492	36	20	which	which	PRON
ajird-1492	36	21	limit	limit	VERB
ajird-1492	36	22	their	their	PRON
ajird-1492	36	23	future	future	ADJ
ajird-1492	36	24	financial	financial	ADJ
ajird-1492	36	25	opportunities	opportunity	NOUN
ajird-1492	36	26	.	.	PUNCT
ajird-1492	37	1	another	another	DET
ajird-1492	37	2	major	major	ADJ
ajird-1492	37	3	issue	issue	NOUN
ajird-1492	37	4	is	be	AUX
ajird-1492	37	5	the	the	DET
ajird-1492	37	6	lack	lack	NOUN
ajird-1492	37	7	of	of	ADP
ajird-1492	37	8	awareness	awareness	NOUN
ajird-1492	37	9	about	about	ADP
ajird-1492	37	10	savings	saving	NOUN
ajird-1492	37	11	and	and	CCONJ
ajird-1492	37	12	investment	investment	NOUN
ajird-1492	37	13	opportunities	opportunity	NOUN
ajird-1492	37	14	.	.	PUNCT
ajird-1492	38	1	while	while	SCONJ
ajird-1492	38	2	banks	bank	NOUN
ajird-1492	38	3	offer	offer	VERB
ajird-1492	38	4	a	a	DET
ajird-1492	38	5	variety	variety	NOUN
ajird-1492	38	6	of	of	ADP
ajird-1492	38	7	financial	financial	ADJ
ajird-1492	38	8	products	product	NOUN
ajird-1492	38	9	designed	design	VERB
ajird-1492	38	10	to	to	PART
ajird-1492	38	11	help	help	VERB
ajird-1492	38	12	customers	customer	NOUN
ajird-1492	38	13	build	build	VERB
ajird-1492	38	14	financial	financial	ADJ
ajird-1492	38	15	security	security	NOUN
ajird-1492	38	16	,	,	PUNCT
ajird-1492	38	17	many	many	ADJ
ajird-1492	38	18	individuals	individual	NOUN
ajird-1492	38	19	fail	fail	VERB
ajird-1492	38	20	to	to	PART
ajird-1492	38	21	take	take	VERB
ajird-1492	38	22	advantage	advantage	NOUN
ajird-1492	38	23	of	of	ADP
ajird-1492	38	24	these	these	DET
ajird-1492	38	25	options	option	NOUN
ajird-1492	38	26	due	due	ADP
ajird-1492	38	27	to	to	ADP
ajird-1492	38	28	a	a	DET
ajird-1492	38	29	lack	lack	NOUN
ajird-1492	38	30	of	of	ADP
ajird-1492	38	31	financial	financial	ADJ
ajird-1492	38	32	knowledge	knowledge	NOUN
ajird-1492	38	33	.	.	PUNCT
ajird-1492	39	1	clients	client	NOUN
ajird-1492	39	2	frequently	frequently	ADV
ajird-1492	39	3	deposit	deposit	VERB
ajird-1492	39	4	their	their	PRON
ajird-1492	39	5	money	money	NOUN
ajird-1492	39	6	in	in	ADP
ajird-1492	39	7	low	low	ADJ
ajird-1492	39	8	-	-	PUNCT
ajird-1492	39	9	interest	interest	NOUN
ajird-1492	39	10	accounts	account	NOUN
ajird-1492	39	11	rather	rather	ADV
ajird-1492	39	12	than	than	ADP
ajird-1492	39	13	exploring	explore	VERB
ajird-1492	39	14	higher	high	ADJ
ajird-1492	39	15	-	-	PUNCT
ajird-1492	39	16	yield	yield	NOUN
ajird-1492	39	17	savings	saving	NOUN
ajird-1492	39	18	plans	plan	NOUN
ajird-1492	39	19	or	or	CCONJ
ajird-1492	39	20	investment	investment	NOUN
ajird-1492	39	21	funds	fund	NOUN
ajird-1492	39	22	that	that	PRON
ajird-1492	39	23	could	could	AUX
ajird-1492	39	24	provide	provide	VERB
ajird-1492	39	25	better	well	ADJ
ajird-1492	39	26	financial	financial	ADJ
ajird-1492	39	27	growth	growth	NOUN
ajird-1492	39	28	[	[	X
ajird-1492	39	29	8	8	NUM
ajird-1492	39	30	]	]	PUNCT
ajird-1492	39	31	.	.	PUNCT
ajird-1492	40	1	the	the	DET
ajird-1492	40	2	rise	rise	NOUN
ajird-1492	40	3	of	of	ADP
ajird-1492	40	4	digital	digital	ADJ
ajird-1492	40	5	banking	banking	NOUN
ajird-1492	40	6	has	have	AUX
ajird-1492	40	7	also	also	ADV
ajird-1492	40	8	introduced	introduce	VERB
ajird-1492	40	9	new	new	ADJ
ajird-1492	40	10	challenges	challenge	NOUN
ajird-1492	40	11	for	for	ADP
ajird-1492	40	12	financially	financially	ADV
ajird-1492	40	13	illiterate	illiterate	ADJ
ajird-1492	40	14	customers	customer	NOUN
ajird-1492	40	15	.	.	PUNCT
ajird-1492	41	1	many	many	ADJ
ajird-1492	41	2	clients	client	NOUN
ajird-1492	41	3	struggle	struggle	VERB
ajird-1492	41	4	to	to	PART
ajird-1492	41	5	use	use	VERB
ajird-1492	41	6	mobile	mobile	ADJ
ajird-1492	41	7	banking	banking	NOUN
ajird-1492	41	8	applications	application	NOUN
ajird-1492	41	9	,	,	PUNCT
ajird-1492	41	10	online	online	ADJ
ajird-1492	41	11	payment	payment	NOUN
ajird-1492	41	12	systems	system	NOUN
ajird-1492	41	13	,	,	PUNCT
ajird-1492	41	14	and	and	CCONJ
ajird-1492	41	15	digital	digital	ADJ
ajird-1492	41	16	financial	financial	ADJ
ajird-1492	41	17	tools	tool	NOUN
ajird-1492	41	18	effectively	effectively	ADV
ajird-1492	41	19	.	.	PUNCT
ajird-1492	42	1	this	this	DET
ajird-1492	42	2	digital	digital	ADJ
ajird-1492	42	3	divide	divide	NOUN
ajird-1492	42	4	leads	lead	VERB
ajird-1492	42	5	to	to	ADP
ajird-1492	42	6	a	a	DET
ajird-1492	42	7	reliance	reliance	NOUN
ajird-1492	42	8	on	on	ADP
ajird-1492	42	9	traditional	traditional	ADJ
ajird-1492	42	10	banking	banking	NOUN
ajird-1492	42	11	services	service	NOUN
ajird-1492	42	12	,	,	PUNCT
ajird-1492	42	13	increasing	increase	VERB
ajird-1492	42	14	financial	financial	ADJ
ajird-1492	42	15	exclusion	exclusion	NOUN
ajird-1492	42	16	and	and	CCONJ
ajird-1492	42	17	limiting	limit	VERB
ajird-1492	42	18	access	access	NOUN
ajird-1492	42	19	to	to	ADP
ajird-1492	42	20	more	more	ADV
ajird-1492	42	21	efficient	efficient	ADJ
ajird-1492	42	22	banking	banking	NOUN
ajird-1492	42	23	solutions	solution	NOUN
ajird-1492	42	24	[	[	X
ajird-1492	42	25	9	9	NUM
ajird-1492	42	26	]	]	PUNCT
ajird-1492	42	27	.	.	PUNCT
ajird-1492	43	1	additionally	additionally	ADV
ajird-1492	43	2	,	,	PUNCT
ajird-1492	43	3	customers	customer	NOUN
ajird-1492	43	4	who	who	PRON
ajird-1492	43	5	lack	lack	VERB
ajird-1492	43	6	financial	financial	ADJ
ajird-1492	43	7	and	and	CCONJ
ajird-1492	43	8	digital	digital	ADJ
ajird-1492	43	9	literacy	literacy	NOUN
ajird-1492	43	10	are	be	AUX
ajird-1492	43	11	more	more	ADV
ajird-1492	43	12	vulnerable	vulnerable	ADJ
ajird-1492	43	13	to	to	ADP
ajird-1492	43	14	financial	financial	ADJ
ajird-1492	43	15	fraud	fraud	NOUN
ajird-1492	43	16	,	,	PUNCT
ajird-1492	43	17	phishing	phishe	VERB
ajird-1492	43	18	scams	scam	NOUN
ajird-1492	43	19	,	,	PUNCT
ajird-1492	43	20	and	and	CCONJ
ajird-1492	43	21	identity	identity	NOUN
ajird-1492	43	22	theft	theft	NOUN
ajird-1492	43	23	,	,	PUNCT
ajird-1492	43	24	further	far	ADV
ajird-1492	43	25	exacerbating	exacerbate	VERB
ajird-1492	43	26	their	their	PRON
ajird-1492	43	27	financial	financial	ADJ
ajird-1492	43	28	insecurity	insecurity	NOUN
ajird-1492	43	29	.	.	PUNCT
ajird-1492	44	1	the	the	DET
ajird-1492	44	2	study	study	NOUN
ajird-1492	44	3	also	also	ADV
ajird-1492	44	4	found	find	VERB
ajird-1492	44	5	that	that	SCONJ
ajird-1492	44	6	many	many	ADJ
ajird-1492	44	7	customers	customer	NOUN
ajird-1492	44	8	rely	rely	VERB
ajird-1492	44	9	heavily	heavily	ADV
ajird-1492	44	10	on	on	ADP
ajird-1492	44	11	bank	bank	NOUN
ajird-1492	44	12	employees	employee	NOUN
ajird-1492	44	13	for	for	ADP
ajird-1492	44	14	financial	financial	ADJ
ajird-1492	44	15	advice	advice	NOUN
ajird-1492	44	16	,	,	PUNCT
ajird-1492	44	17	yet	yet	CCONJ
ajird-1492	44	18	they	they	PRON
ajird-1492	44	19	often	often	ADV
ajird-1492	44	20	receive	receive	VERB
ajird-1492	44	21	limited	limited	ADJ
ajird-1492	44	22	or	or	CCONJ
ajird-1492	44	23	biased	biased	ADJ
ajird-1492	44	24	information	information	NOUN
ajird-1492	44	25	.	.	PUNCT
ajird-1492	45	1	bank	bank	NOUN
ajird-1492	45	2	staff	staff	NOUN
ajird-1492	45	3	,	,	PUNCT
ajird-1492	45	4	particularly	particularly	ADV
ajird-1492	45	5	those	those	PRON
ajird-1492	45	6	working	work	VERB
ajird-1492	45	7	in	in	ADP
ajird-1492	45	8	sales	sale	NOUN
ajird-1492	45	9	-	-	PUNCT
ajird-1492	45	10	driven	drive	VERB
ajird-1492	45	11	environments	environment	NOUN
ajird-1492	45	12	,	,	PUNCT
ajird-1492	45	13	may	may	AUX
ajird-1492	45	14	prioritize	prioritize	VERB
ajird-1492	45	15	promoting	promote	VERB
ajird-1492	45	16	specific	specific	ADJ
ajird-1492	45	17	products	product	NOUN
ajird-1492	45	18	rather	rather	ADV
ajird-1492	45	19	than	than	ADP
ajird-1492	45	20	providing	provide	VERB
ajird-1492	45	21	comprehensive	comprehensive	ADJ
ajird-1492	45	22	financial	financial	ADJ
ajird-1492	45	23	guidance	guidance	NOUN
ajird-1492	45	24	.	.	PUNCT
ajird-1492	46	1	this	this	PRON
ajird-1492	46	2	can	can	AUX
ajird-1492	46	3	lead	lead	VERB
ajird-1492	46	4	to	to	ADP
ajird-1492	46	5	customers	customer	NOUN
ajird-1492	46	6	making	make	VERB
ajird-1492	46	7	suboptimal	suboptimal	ADJ
ajird-1492	46	8	financial	financial	ADJ
ajird-1492	46	9	decisions	decision	NOUN
ajird-1492	46	10	based	base	VERB
ajird-1492	46	11	on	on	ADP
ajird-1492	46	12	partial	partial	ADJ
ajird-1492	46	13	or	or	CCONJ
ajird-1492	46	14	misleading	misleading	ADJ
ajird-1492	46	15	information	information	NOUN
ajird-1492	46	16	.	.	PUNCT
ajird-1492	47	1	discussion	discussion	NOUN
ajird-1492	47	2	the	the	DET
ajird-1492	47	3	findings	finding	NOUN
ajird-1492	47	4	of	of	ADP
ajird-1492	47	5	this	this	DET
ajird-1492	47	6	study	study	NOUN
ajird-1492	47	7	underscore	underscore	VERB
ajird-1492	47	8	the	the	DET
ajird-1492	47	9	importance	importance	NOUN
ajird-1492	47	10	of	of	ADP
ajird-1492	47	11	improving	improve	VERB
ajird-1492	47	12	financial	financial	ADJ
ajird-1492	47	13	literacy	literacy	NOUN
ajird-1492	47	14	among	among	ADP
ajird-1492	47	15	banking	banking	NOUN
ajird-1492	47	16	clients	client	NOUN
ajird-1492	47	17	to	to	PART
ajird-1492	47	18	enhance	enhance	VERB
ajird-1492	47	19	financial	financial	ADJ
ajird-1492	47	20	stability	stability	NOUN
ajird-1492	47	21	and	and	CCONJ
ajird-1492	47	22	reduce	reduce	VERB
ajird-1492	47	23	financial	financial	ADJ
ajird-1492	47	24	risks	risk	NOUN
ajird-1492	47	25	.	.	PUNCT
ajird-1492	48	1	while	while	SCONJ
ajird-1492	48	2	banks	bank	NOUN
ajird-1492	48	3	offer	offer	VERB
ajird-1492	48	4	financial	financial	ADJ
ajird-1492	48	5	education	education	NOUN
ajird-1492	48	6	programs	program	NOUN
ajird-1492	48	7	,	,	PUNCT
ajird-1492	48	8	these	these	DET
ajird-1492	48	9	initiatives	initiative	NOUN
ajird-1492	48	10	often	often	ADV
ajird-1492	48	11	fail	fail	VERB
ajird-1492	48	12	to	to	PART
ajird-1492	48	13	reach	reach	VERB
ajird-1492	48	14	the	the	DET
ajird-1492	48	15	most	most	ADV
ajird-1492	48	16	vulnerable	vulnerable	ADJ
ajird-1492	48	17	segments	segment	NOUN
ajird-1492	48	18	of	of	ADP
ajird-1492	48	19	the	the	DET
ajird-1492	48	20	population	population	NOUN
ajird-1492	49	1	[	[	X
ajird-1492	49	2	10	10	NUM
ajird-1492	49	3	]	]	PUNCT
ajird-1492	49	4	.	.	PUNCT
ajird-1492	50	1	many	many	ADJ
ajird-1492	50	2	financial	financial	ADJ
ajird-1492	50	3	literacy	literacy	NOUN
ajird-1492	50	4	programs	program	NOUN
ajird-1492	50	5	focus	focus	VERB
ajird-1492	50	6	on	on	ADP
ajird-1492	50	7	general	general	ADJ
ajird-1492	50	8	financial	financial	ADJ
ajird-1492	50	9	concepts	concept	NOUN
ajird-1492	50	10	rather	rather	ADV
ajird-1492	50	11	than	than	ADP
ajird-1492	50	12	practical	practical	ADJ
ajird-1492	50	13	skills	skill	NOUN
ajird-1492	50	14	,	,	PUNCT
ajird-1492	50	15	leaving	leave	VERB
ajird-1492	50	16	clients	client	NOUN
ajird-1492	50	17	without	without	ADP
ajird-1492	50	18	the	the	DET
ajird-1492	50	19	necessary	necessary	ADJ
ajird-1492	50	20	tools	tool	NOUN
ajird-1492	50	21	to	to	PART
ajird-1492	50	22	make	make	VERB
ajird-1492	50	23	informed	informed	ADJ
ajird-1492	50	24	banking	banking	NOUN
ajird-1492	50	25	decisions	decision	NOUN
ajird-1492	50	26	.	.	PUNCT
ajird-1492	51	1	one	one	NUM
ajird-1492	51	2	of	of	ADP
ajird-1492	51	3	the	the	DET
ajird-1492	51	4	key	key	ADJ
ajird-1492	51	5	challenges	challenge	NOUN
ajird-1492	51	6	in	in	ADP
ajird-1492	51	7	addressing	address	VERB
ajird-1492	51	8	financial	financial	ADJ
ajird-1492	51	9	illiteracy	illiteracy	NOUN
ajird-1492	51	10	is	be	AUX
ajird-1492	51	11	bridging	bridge	VERB
ajird-1492	51	12	the	the	DET
ajird-1492	51	13	gap	gap	NOUN
ajird-1492	51	14	between	between	ADP
ajird-1492	51	15	financial	financial	ADJ
ajird-1492	51	16	education	education	NOUN
ajird-1492	51	17	and	and	CCONJ
ajird-1492	51	18	real	real	ADJ
ajird-1492	51	19	-	-	PUNCT
ajird-1492	51	20	world	world	NOUN
ajird-1492	51	21	application	application	NOUN
ajird-1492	51	22	.	.	PUNCT
ajird-1492	52	1	simply	simply	ADV
ajird-1492	52	2	providing	provide	VERB
ajird-1492	52	3	information	information	NOUN
ajird-1492	52	4	about	about	ADP
ajird-1492	52	5	financial	financial	ADJ
ajird-1492	52	6	products	product	NOUN
ajird-1492	52	7	is	be	AUX
ajird-1492	52	8	not	not	PART
ajird-1492	52	9	enough	enough	ADJ
ajird-1492	52	10	;	;	PUNCT
ajird-1492	52	11	individuals	individual	NOUN
ajird-1492	52	12	need	need	VERB
ajird-1492	52	13	hands	hand	NOUN
ajird-1492	52	14	-	-	PUNCT
ajird-1492	52	15	on	on	ADP
ajird-1492	52	16	experience	experience	NOUN
ajird-1492	52	17	and	and	CCONJ
ajird-1492	52	18	personalized	personalized	ADJ
ajird-1492	52	19	guidance	guidance	NOUN
ajird-1492	52	20	to	to	PART
ajird-1492	52	21	develop	develop	VERB
ajird-1492	52	22	effective	effective	ADJ
ajird-1492	52	23	financial	financial	ADJ
ajird-1492	52	24	habits	habit	NOUN
ajird-1492	52	25	.	.	PUNCT
ajird-1492	53	1	banks	bank	NOUN
ajird-1492	53	2	could	could	AUX
ajird-1492	53	3	play	play	VERB
ajird-1492	53	4	a	a	DET
ajird-1492	53	5	more	more	ADV
ajird-1492	53	6	active	active	ADJ
ajird-1492	53	7	role	role	NOUN
ajird-1492	53	8	by	by	ADP
ajird-1492	53	9	integrating	integrate	VERB
ajird-1492	53	10	financial	financial	ADJ
ajird-1492	53	11	education	education	NOUN
ajird-1492	53	12	into	into	ADP
ajird-1492	53	13	their	their	PRON
ajird-1492	53	14	customer	customer	NOUN
ajird-1492	53	15	service	service	NOUN
ajird-1492	53	16	approach	approach	NOUN
ajird-1492	53	17	,	,	PUNCT
ajird-1492	53	18	offering	offer	VERB
ajird-1492	53	19	tailored	tailor	VERB
ajird-1492	53	20	advice	advice	NOUN
ajird-1492	53	21	based	base	VERB
ajird-1492	53	22	on	on	ADP
ajird-1492	53	23	clients	client	NOUN
ajird-1492	53	24	’	'	PUNCT
ajird-1492	53	25	financial	financial	ADJ
ajird-1492	53	26	situations	situation	NOUN
ajird-1492	53	27	.	.	PUNCT
ajird-1492	54	1	additionally	additionally	ADV
ajird-1492	54	2	,	,	PUNCT
ajird-1492	54	3	banks	bank	NOUN
ajird-1492	54	4	should	should	AUX
ajird-1492	54	5	focus	focus	VERB
ajird-1492	54	6	on	on	ADP
ajird-1492	54	7	making	make	VERB
ajird-1492	54	8	financial	financial	ADJ
ajird-1492	54	9	products	product	NOUN
ajird-1492	54	10	more	more	ADV
ajird-1492	54	11	transparent	transparent	ADJ
ajird-1492	54	12	and	and	CCONJ
ajird-1492	54	13	userfriendly	userfriendly	ADV
ajird-1492	54	14	.	.	PUNCT
ajird-1492	55	1	complex	complex	ADJ
ajird-1492	55	2	loan	loan	NOUN
ajird-1492	55	3	agreements	agreement	NOUN
ajird-1492	55	4	,	,	PUNCT
ajird-1492	55	5	unclear	unclear	ADJ
ajird-1492	55	6	fee	fee	NOUN
ajird-1492	55	7	structures	structure	NOUN
ajird-1492	55	8	,	,	PUNCT
ajird-1492	55	9	and	and	CCONJ
ajird-1492	55	10	difficult	difficult	ADJ
ajird-1492	55	11	-	-	PUNCT
ajird-1492	55	12	to	to	PART
ajird-1492	55	13	-	-	PUNCT
ajird-1492	55	14	understand	understand	VERB
ajird-1492	55	15	investment	investment	NOUN
ajird-1492	55	16	options	option	NOUN
ajird-1492	55	17	discourage	discourage	VERB
ajird-1492	55	18	many	many	ADJ
ajird-1492	55	19	customers	customer	NOUN
ajird-1492	55	20	from	from	ADP
ajird-1492	55	21	engaging	engage	VERB
ajird-1492	55	22	with	with	ADP
ajird-1492	55	23	financial	financial	ADJ
ajird-1492	55	24	services	service	NOUN
ajird-1492	55	25	.	.	PUNCT
ajird-1492	56	1	simplifying	simplify	VERB
ajird-1492	56	2	financial	financial	ADJ
ajird-1492	56	3	product	product	NOUN
ajird-1492	56	4	descriptions	description	NOUN
ajird-1492	56	5	,	,	PUNCT
ajird-1492	56	6	using	use	VERB
ajird-1492	56	7	clear	clear	ADJ
ajird-1492	56	8	language	language	NOUN
ajird-1492	56	9	,	,	PUNCT
ajird-1492	56	10	and	and	CCONJ
ajird-1492	56	11	offering	offer	VERB
ajird-1492	56	12	interactive	interactive	ADJ
ajird-1492	56	13	tools	tool	NOUN
ajird-1492	56	14	for	for	ADP
ajird-1492	56	15	financial	financial	ADJ
ajird-1492	56	16	decision	decision	NOUN
ajird-1492	56	17	-	-	PUNCT
ajird-1492	56	18	making	making	NOUN
ajird-1492	56	19	can	can	AUX
ajird-1492	56	20	help	help	VERB
ajird-1492	56	21	clients	client	NOUN
ajird-1492	56	22	make	make	VERB
ajird-1492	56	23	more	more	ADV
ajird-1492	56	24	informed	informed	ADJ
ajird-1492	56	25	choices	choice	NOUN
ajird-1492	56	26	.	.	PUNCT
ajird-1492	57	1	american	american	ADJ
ajird-1492	57	2	journal	journal	PROPN
ajird-1492	57	3	of	of	ADP
ajird-1492	57	4	interdisciplinary	interdisciplinary	ADJ
ajird-1492	57	5	research	research	NOUN
ajird-1492	57	6	and	and	CCONJ
ajird-1492	57	7	development	development	NOUN
ajird-1492	57	8	issn	issn	PROPN
ajird-1492	57	9	online	online	NOUN
ajird-1492	57	10	:	:	PUNCT
ajird-1492	57	11	2771	2771	NUM
ajird-1492	57	12	-	-	SYM
ajird-1492	57	13	8948	8948	NUM
ajird-1492	57	14	website	website	NOUN
ajird-1492	57	15	:	:	PUNCT
ajird-1492	57	16	www.ajird.journalspark.org	www.ajird.journalspark.org	ADJ
ajird-1492	57	17	volume	volume	NOUN
ajird-1492	57	18	38	38	NUM
ajird-1492	57	19	,	,	PUNCT
ajird-1492	57	20	march	march	PROPN
ajird-1492	57	21	2025	2025	NUM
ajird-1492	57	22	27	27	NUM
ajird-1492	58	1	|	|	ADV
ajird-1492	58	2	p	p	NOUN
ajird-1492	58	3	a	a	DET
ajird-1492	58	4	g	g	NOUN
ajird-1492	58	5	e	e	PROPN
ajird-1492	58	6	another	another	DET
ajird-1492	58	7	critical	critical	ADJ
ajird-1492	58	8	area	area	NOUN
ajird-1492	58	9	for	for	ADP
ajird-1492	58	10	improvement	improvement	NOUN
ajird-1492	58	11	is	be	AUX
ajird-1492	58	12	digital	digital	ADJ
ajird-1492	58	13	financial	financial	ADJ
ajird-1492	58	14	literacy	literacy	NOUN
ajird-1492	58	15	.	.	PUNCT
ajird-1492	59	1	as	as	SCONJ
ajird-1492	59	2	banking	banking	NOUN
ajird-1492	59	3	services	service	NOUN
ajird-1492	59	4	continue	continue	VERB
ajird-1492	59	5	to	to	PART
ajird-1492	59	6	shift	shift	VERB
ajird-1492	59	7	online	online	ADV
ajird-1492	59	8	,	,	PUNCT
ajird-1492	59	9	ensuring	ensure	VERB
ajird-1492	59	10	that	that	SCONJ
ajird-1492	59	11	all	all	DET
ajird-1492	59	12	customers	customer	NOUN
ajird-1492	59	13	,	,	PUNCT
ajird-1492	59	14	regardless	regardless	ADV
ajird-1492	59	15	of	of	ADP
ajird-1492	59	16	age	age	NOUN
ajird-1492	59	17	or	or	CCONJ
ajird-1492	59	18	background	background	NOUN
ajird-1492	59	19	,	,	PUNCT
ajird-1492	59	20	can	can	AUX
ajird-1492	59	21	navigate	navigate	VERB
ajird-1492	59	22	digital	digital	ADJ
ajird-1492	59	23	platforms	platform	NOUN
ajird-1492	59	24	safely	safely	ADV
ajird-1492	59	25	and	and	CCONJ
ajird-1492	59	26	efficiently	efficiently	ADV
ajird-1492	59	27	is	be	AUX
ajird-1492	59	28	crucial	crucial	ADJ
ajird-1492	59	29	.	.	PUNCT
ajird-1492	60	1	banks	bank	NOUN
ajird-1492	60	2	should	should	AUX
ajird-1492	60	3	invest	invest	VERB
ajird-1492	60	4	in	in	ADP
ajird-1492	60	5	educational	educational	ADJ
ajird-1492	60	6	campaigns	campaign	NOUN
ajird-1492	60	7	that	that	PRON
ajird-1492	60	8	teach	teach	VERB
ajird-1492	60	9	customers	customer	NOUN
ajird-1492	60	10	how	how	SCONJ
ajird-1492	60	11	to	to	PART
ajird-1492	60	12	use	use	VERB
ajird-1492	60	13	mobile	mobile	ADJ
ajird-1492	60	14	banking	banking	NOUN
ajird-1492	60	15	apps	app	NOUN
ajird-1492	60	16	,	,	PUNCT
ajird-1492	60	17	recognize	recognize	VERB
ajird-1492	60	18	fraudulent	fraudulent	ADJ
ajird-1492	60	19	schemes	scheme	NOUN
ajird-1492	60	20	,	,	PUNCT
ajird-1492	60	21	and	and	CCONJ
ajird-1492	60	22	manage	manage	VERB
ajird-1492	60	23	their	their	PRON
ajird-1492	60	24	accounts	account	NOUN
ajird-1492	60	25	securely	securely	ADV
ajird-1492	60	26	[	[	X
ajird-1492	60	27	8	8	NUM
ajird-1492	60	28	]	]	PUNCT
ajird-1492	60	29	.	.	PUNCT
ajird-1492	61	1	conclusion	conclusion	NOUN
ajird-1492	61	2	financial	financial	ADJ
ajird-1492	61	3	literacy	literacy	NOUN
ajird-1492	61	4	is	be	AUX
ajird-1492	61	5	essential	essential	ADJ
ajird-1492	61	6	for	for	SCONJ
ajird-1492	61	7	banking	banking	NOUN
ajird-1492	61	8	clients	client	NOUN
ajird-1492	61	9	to	to	PART
ajird-1492	61	10	make	make	VERB
ajird-1492	61	11	informed	informed	ADJ
ajird-1492	61	12	financial	financial	ADJ
ajird-1492	61	13	decisions	decision	NOUN
ajird-1492	61	14	and	and	CCONJ
ajird-1492	61	15	achieve	achieve	VERB
ajird-1492	61	16	financial	financial	ADJ
ajird-1492	61	17	stability	stability	NOUN
ajird-1492	61	18	.	.	PUNCT
ajird-1492	62	1	however	however	ADV
ajird-1492	62	2	,	,	PUNCT
ajird-1492	62	3	many	many	ADJ
ajird-1492	62	4	individuals	individual	NOUN
ajird-1492	62	5	continue	continue	VERB
ajird-1492	62	6	to	to	PART
ajird-1492	62	7	struggle	struggle	VERB
ajird-1492	62	8	with	with	ADP
ajird-1492	62	9	understanding	understand	VERB
ajird-1492	62	10	financial	financial	ADJ
ajird-1492	62	11	products	product	NOUN
ajird-1492	62	12	,	,	PUNCT
ajird-1492	62	13	managing	manage	VERB
ajird-1492	62	14	debt	debt	NOUN
ajird-1492	62	15	responsibly	responsibly	ADV
ajird-1492	62	16	,	,	PUNCT
ajird-1492	62	17	and	and	CCONJ
ajird-1492	62	18	utilizing	utilize	VERB
ajird-1492	62	19	banking	banking	NOUN
ajird-1492	62	20	services	service	NOUN
ajird-1492	62	21	effectively	effectively	ADV
ajird-1492	62	22	.	.	PUNCT
ajird-1492	63	1	the	the	DET
ajird-1492	63	2	findings	finding	NOUN
ajird-1492	63	3	of	of	ADP
ajird-1492	63	4	this	this	DET
ajird-1492	63	5	study	study	NOUN
ajird-1492	63	6	highlight	highlight	VERB
ajird-1492	63	7	the	the	DET
ajird-1492	63	8	need	need	NOUN
ajird-1492	63	9	for	for	ADP
ajird-1492	63	10	improved	improve	VERB
ajird-1492	63	11	financial	financial	ADJ
ajird-1492	63	12	education	education	NOUN
ajird-1492	63	13	programs	program	NOUN
ajird-1492	63	14	,	,	PUNCT
ajird-1492	63	15	greater	great	ADJ
ajird-1492	63	16	transparency	transparency	NOUN
ajird-1492	63	17	in	in	ADP
ajird-1492	63	18	banking	banking	NOUN
ajird-1492	63	19	products	product	NOUN
ajird-1492	63	20	,	,	PUNCT
ajird-1492	63	21	and	and	CCONJ
ajird-1492	63	22	enhanced	enhance	VERB
ajird-1492	63	23	digital	digital	ADJ
ajird-1492	63	24	financial	financial	ADJ
ajird-1492	63	25	literacy	literacy	NOUN
ajird-1492	63	26	initiatives	initiative	NOUN
ajird-1492	63	27	.	.	PUNCT
ajird-1492	64	1	banks	bank	NOUN
ajird-1492	64	2	,	,	PUNCT
ajird-1492	64	3	financial	financial	ADJ
ajird-1492	64	4	institutions	institution	NOUN
ajird-1492	64	5	,	,	PUNCT
ajird-1492	64	6	and	and	CCONJ
ajird-1492	64	7	policymakers	policymaker	NOUN
ajird-1492	64	8	must	must	AUX
ajird-1492	64	9	work	work	VERB
ajird-1492	64	10	together	together	ADV
ajird-1492	64	11	to	to	PART
ajird-1492	64	12	develop	develop	VERB
ajird-1492	64	13	strategies	strategy	NOUN
ajird-1492	64	14	that	that	PRON
ajird-1492	64	15	empower	empower	VERB
ajird-1492	64	16	clients	client	NOUN
ajird-1492	64	17	with	with	ADP
ajird-1492	64	18	the	the	DET
ajird-1492	64	19	knowledge	knowledge	NOUN
ajird-1492	64	20	and	and	CCONJ
ajird-1492	64	21	skills	skill	NOUN
ajird-1492	64	22	needed	need	VERB
ajird-1492	64	23	to	to	PART
ajird-1492	64	24	navigate	navigate	VERB
ajird-1492	64	25	the	the	DET
ajird-1492	64	26	financial	financial	ADJ
ajird-1492	64	27	system	system	NOUN
ajird-1492	64	28	successfully	successfully	ADV
ajird-1492	64	29	.	.	PUNCT
ajird-1492	65	1	by	by	ADP
ajird-1492	65	2	prioritizing	prioritize	VERB
ajird-1492	65	3	financial	financial	ADJ
ajird-1492	65	4	education	education	NOUN
ajird-1492	65	5	,	,	PUNCT
ajird-1492	65	6	simplifying	simplify	VERB
ajird-1492	65	7	financial	financial	ADJ
ajird-1492	65	8	products	product	NOUN
ajird-1492	65	9	,	,	PUNCT
ajird-1492	65	10	and	and	CCONJ
ajird-1492	65	11	promoting	promote	VERB
ajird-1492	65	12	responsible	responsible	ADJ
ajird-1492	65	13	financial	financial	ADJ
ajird-1492	65	14	behavior	behavior	NOUN
ajird-1492	65	15	,	,	PUNCT
ajird-1492	65	16	the	the	DET
ajird-1492	65	17	banking	banking	NOUN
ajird-1492	65	18	sector	sector	NOUN
ajird-1492	65	19	can	can	AUX
ajird-1492	65	20	contribute	contribute	VERB
ajird-1492	65	21	to	to	ADP
ajird-1492	65	22	the	the	DET
ajird-1492	65	23	longterm	longterm	ADJ
ajird-1492	65	24	financial	financial	ADJ
ajird-1492	65	25	well	well	NOUN
ajird-1492	65	26	-	-	PUNCT
ajird-1492	65	27	being	being	NOUN
ajird-1492	65	28	of	of	ADP
ajird-1492	65	29	its	its	PRON
ajird-1492	65	30	clients	client	NOUN
ajird-1492	65	31	and	and	CCONJ
ajird-1492	65	32	the	the	DET
ajird-1492	65	33	broader	broad	ADJ
ajird-1492	65	34	economy	economy	NOUN
ajird-1492	65	35	.	.	PUNCT
ajird-1492	66	1	references	reference	NOUN
ajird-1492	66	2	:	:	PUNCT
ajird-1492	66	3	1	1	X
ajird-1492	66	4	.	.	X
ajird-1492	66	5	petrenko	petrenko	NOUN
ajird-1492	66	6	,	,	PUNCT
ajird-1492	66	7	g.m	g.m	PROPN
ajird-1492	66	8	.	.	PROPN
ajird-1492	66	9	,	,	PUNCT
ajird-1492	66	10	petrenko	petrenko	PROPN
ajird-1492	66	11	,	,	PUNCT
ajird-1492	66	12	m.s	m.s	PROPN
ajird-1492	66	13	.	.	PROPN
ajird-1492	66	14	(	(	PUNCT
ajird-1492	66	15	2022	2022	NUM
ajird-1492	66	16	)	)	PUNCT
ajird-1492	66	17	.	.	PUNCT
ajird-1492	67	1	financial	financial	ADJ
ajird-1492	67	2	literacy	literacy	NOUN
ajird-1492	67	3	and	and	CCONJ
ajird-1492	67	4	banking	banking	NOUN
ajird-1492	67	5	practices	practice	NOUN
ajird-1492	67	6	:	:	PUNCT
ajird-1492	67	7	challenges	challenge	NOUN
ajird-1492	67	8	and	and	CCONJ
ajird-1492	67	9	solutions	solution	NOUN
ajird-1492	67	10	.	.	PUNCT
ajird-1492	68	1	vectors	vector	NOUN
ajird-1492	68	2	of	of	ADP
ajird-1492	68	3	well	well	ADV
ajird-1492	68	4	-	-	PUNCT
ajird-1492	68	5	being	being	NOUN
ajird-1492	68	6	:	:	PUNCT
ajird-1492	68	7	economy	economy	NOUN
ajird-1492	68	8	and	and	CCONJ
ajird-1492	68	9	society	society	NOUN
ajird-1492	68	10	,	,	PUNCT
ajird-1492	68	11	4(47	4(47	NUM
ajird-1492	68	12	)	)	PUNCT
ajird-1492	68	13	.	.	PUNCT
ajird-1492	69	1	2	2	X
ajird-1492	69	2	.	.	X
ajird-1492	69	3	oecd	oecd	PROPN
ajird-1492	69	4	/	/	SYM
ajird-1492	69	5	infe	infe	NOUN
ajird-1492	69	6	(	(	PUNCT
ajird-1492	69	7	2020	2020	NUM
ajird-1492	69	8	)	)	PUNCT
ajird-1492	69	9	.	.	PUNCT
ajird-1492	70	1	international	international	ADJ
ajird-1492	70	2	survey	survey	NOUN
ajird-1492	70	3	of	of	ADP
ajird-1492	70	4	adult	adult	NOUN
ajird-1492	70	5	financial	financial	ADJ
ajird-1492	70	6	literacy	literacy	NOUN
ajird-1492	70	7	.	.	PUNCT
ajird-1492	71	1	3	3	X
ajird-1492	71	2	.	.	X
ajird-1492	71	3	lusardi	lusardi	PROPN
ajird-1492	71	4	,	,	PUNCT
ajird-1492	71	5	a.	a.	PROPN
ajird-1492	71	6	,	,	PUNCT
ajird-1492	71	7	mitchell	mitchell	PROPN
ajird-1492	71	8	,	,	PUNCT
ajird-1492	71	9	o.	o.	PROPN
ajird-1492	71	10	(	(	PUNCT
ajird-1492	71	11	2011	2011	NUM
ajird-1492	71	12	)	)	PUNCT
ajird-1492	71	13	.	.	PUNCT
ajird-1492	72	1	financial	financial	ADJ
ajird-1492	72	2	literacy	literacy	NOUN
ajird-1492	72	3	around	around	ADP
ajird-1492	72	4	the	the	DET
ajird-1492	72	5	world	world	NOUN
ajird-1492	72	6	:	:	PUNCT
ajird-1492	72	7	an	an	DET
ajird-1492	72	8	overview	overview	NOUN
ajird-1492	72	9	.	.	PUNCT
ajird-1492	73	1	journal	journal	NOUN
ajird-1492	73	2	of	of	ADP
ajird-1492	73	3	pension	pension	NOUN
ajird-1492	73	4	economics	economic	NOUN
ajird-1492	73	5	and	and	CCONJ
ajird-1492	73	6	finance	finance	NOUN
ajird-1492	73	7	.	.	PUNCT
ajird-1492	74	1	4	4	X
ajird-1492	74	2	.	.	X
ajird-1492	74	3	ergashev	ergashev	PROPN
ajird-1492	74	4	kh.kh	kh.kh	PROPN
ajird-1492	74	5	.	.	PUNCT
ajird-1492	75	1	theoretical	theoretical	ADJ
ajird-1492	75	2	and	and	CCONJ
ajird-1492	75	3	methodological	methodological	ADJ
ajird-1492	75	4	foundations	foundation	NOUN
ajird-1492	75	5	for	for	ADP
ajird-1492	75	6	the	the	DET
ajird-1492	75	7	use	use	NOUN
ajird-1492	75	8	of	of	ADP
ajird-1492	75	9	innovative	innovative	ADJ
ajird-1492	75	10	technologies	technology	NOUN
ajird-1492	75	11	in	in	ADP
ajird-1492	75	12	the	the	DET
ajird-1492	75	13	context	context	NOUN
ajird-1492	75	14	of	of	ADP
ajird-1492	75	15	teaching	teach	VERB
ajird-1492	75	16	economics	economic	NOUN
ajird-1492	75	17	.	.	PUNCT
ajird-1492	76	1	world	world	NOUN
ajird-1492	76	2	bulletin	bulletin	NOUN
ajird-1492	76	3	of	of	ADP
ajird-1492	76	4	management	management	NOUN
ajird-1492	76	5	and	and	CCONJ
ajird-1492	76	6	law	law	NOUN
ajird-1492	76	7	(	(	PUNCT
ajird-1492	76	8	wbml	wbml	PROPN
ajird-1492	76	9	)	)	PUNCT
ajird-1492	76	10	.	.	PUNCT
ajird-1492	77	1	volume	volume	NOUN
ajird-1492	77	2	16	16	NUM
ajird-1492	77	3	,	,	PUNCT
ajird-1492	77	4	2022	2022	NUM
ajird-1492	77	5	.	.	PUNCT
ajird-1492	78	1	-p.203	-p.203	PROPN
ajird-1492	78	2	.	.	PUNCT
ajird-1492	78	3	https://www.scholarexpress.net	https://www.scholarexpress.net	PROPN
ajird-1492	79	1	5	5	NUM
ajird-1492	79	2	.	.	X
ajird-1492	79	3	ergashev	ergashev	PROPN
ajird-1492	79	4	kh.kh	kh.kh	PROPN
ajird-1492	79	5	.	.	PUNCT
ajird-1492	80	1	teaching	teach	VERB
ajird-1492	80	2	methodology	methodology	NOUN
ajird-1492	80	3	ensuring	ensure	VERB
ajird-1492	80	4	the	the	DET
ajird-1492	80	5	coherence	coherence	NOUN
ajird-1492	80	6	of	of	ADP
ajird-1492	80	7	economic	economic	ADJ
ajird-1492	80	8	sciences	science	NOUN
ajird-1492	80	9	.	.	PUNCT
ajird-1492	81	1	eurasian	eurasian	ADJ
ajird-1492	81	2	journal	journal	PROPN
ajird-1492	81	3	of	of	ADP
ajird-1492	81	4	learning	learning	NOUN
ajird-1492	81	5	and	and	CCONJ
ajird-1492	81	6	academic	academic	ADJ
ajird-1492	81	7	teaching	teaching	NOUN
ajird-1492	81	8	.	.	PUNCT
ajird-1492	82	1	volume	volume	NOUN
ajird-1492	82	2	14	14	NUM
ajird-1492	82	3	,	,	PUNCT
ajird-1492	82	4	2022	2022	NUM
ajird-1492	82	5	.	.	PUNCT
ajird-1492	83	1	p.16	p.16	PROPN
ajird-1492	83	2	.	.	PUNCT
ajird-1492	84	1	https://www.scholarexpress.net	https://www.scholarexpress.net	PROPN
ajird-1492	84	2	6	6	NUM
ajird-1492	84	3	.	.	PUNCT
ajird-1492	84	4	bozhko	bozhko	PROPN
ajird-1492	84	5	v.p	v.p	PROPN
ajird-1492	84	6	.	.	PROPN
ajird-1492	84	7	,	,	PUNCT
ajird-1492	84	8	vlasov	vlasov	PROPN
ajird-1492	84	9	d.v	d.v	PROPN
ajird-1492	84	10	.	.	PROPN
ajird-1492	84	11	,	,	PUNCT
ajird-1492	84	12	gasparian	gasparian	PROPN
ajird-1492	84	13	m.s	m.s	PROPN
ajird-1492	84	14	.	.	PROPN
ajird-1492	84	15	information	information	NOUN
ajird-1492	84	16	technologies	technology	NOUN
ajird-1492	84	17	in	in	ADP
ajird-1492	84	18	economics	economic	NOUN
ajird-1492	84	19	and	and	CCONJ
ajird-1492	84	20	management	management	NOUN
ajird-1492	84	21	:	:	PUNCT
ajird-1492	84	22	educational	educational	ADJ
ajird-1492	84	23	-	-	PUNCT
ajird-1492	84	24	methodical	methodical	ADJ
ajird-1492	84	25	complex	complex	NOUN
ajird-1492	84	26	.	.	PUNCT
ajird-1492	85	1	m.	m.	NOUN
ajird-1492	85	2	:	:	PUNCT
ajird-1492	86	1	ed	ed	X
ajird-1492	86	2	.	.	PROPN
ajird-1492	86	3	eaoi	eaoi	PROPN
ajird-1492	86	4	center	center	NOUN
ajird-1492	86	5	.	.	PUNCT
ajird-1492	87	1	2008	2008	NUM
ajird-1492	87	2	.	.	PUNCT
ajird-1492	88	1	p.120	p.120	NOUN
ajird-1492	88	2	.	.	PUNCT
ajird-1492	89	1	7	7	X
ajird-1492	89	2	.	.	X
ajird-1492	89	3	mukhtorova	mukhtorova	PROPN
ajird-1492	90	1	e.l	e.l	PROPN
ajird-1492	90	2	.	.	PROPN
ajird-1492	90	3	,	,	PUNCT
ajird-1492	90	4	sherbekov	sherbekov	PROPN
ajird-1492	90	5	v.d	v.d	PROPN
ajird-1492	90	6	.	.	PROPN
ajird-1492	90	7	information	information	NOUN
ajird-1492	90	8	technologies	technology	NOUN
ajird-1492	90	9	.	.	PUNCT
ajird-1492	91	1	t2007	t2007	PROPN
ajird-1492	91	2	,	,	PUNCT
ajird-1492	91	3	p.256	p.256	X
ajird-1492	91	4	.	.	PROPN
ajird-1492	91	5	8	8	NUM
ajird-1492	91	6	.	.	X
ajird-1492	92	1	levkovich	levkovich	PROPN
ajird-1492	92	2	a.o	a.o	PROPN
ajird-1492	92	3	.	.	PROPN
ajird-1492	92	4	formation	formation	NOUN
ajird-1492	92	5	of	of	ADP
ajird-1492	92	6	the	the	DET
ajird-1492	92	7	information	information	NOUN
ajird-1492	92	8	services	service	NOUN
ajird-1492	92	9	market	market	NOUN
ajird-1492	92	10	.	.	PUNCT
ajird-1492	93	1	publisher	publisher	NOUN
ajird-1492	93	2	:	:	PUNCT
ajird-1492	93	3	"	"	PUNCT
ajird-1492	93	4	publishing	publish	VERB
ajird-1492	93	5	house	house	NOUN
ajird-1492	93	6	of	of	ADP
ajird-1492	93	7	business	business	NOUN
ajird-1492	93	8	and	and	CCONJ
ajird-1492	93	9	educational	educational	ADJ
ajird-1492	93	10	literature	literature	NOUN
ajird-1492	93	11	"	"	PUNCT
ajird-1492	93	12	,	,	PUNCT
ajird-1492	93	13	2005	2005	NUM
ajird-1492	93	14	.	.	PUNCT
ajird-1492	94	1	p.	p.	NOUN
ajird-1492	94	2	335	335	NUM
ajird-1492	94	3	.	.	PUNCT
ajird-1492	95	1	9	9	NUM
ajird-1492	95	2	.	.	X
ajird-1492	95	3	khabibullaevich	khabibullaevich	PROPN
ajird-1492	95	4	,	,	PUNCT
ajird-1492	95	5	e.	e.	PROPN
ajird-1492	95	6	k.	k.	PROPN
ajird-1492	95	7	(	(	PUNCT
ajird-1492	95	8	2023	2023	NUM
ajird-1492	95	9	)	)	PUNCT
ajird-1492	95	10	.	.	PUNCT
ajird-1492	96	1	audit	audit	NOUN
ajird-1492	96	2	of	of	ADP
ajird-1492	96	3	financial	financial	ADJ
ajird-1492	96	4	activities	activity	NOUN
ajird-1492	96	5	based	base	VERB
ajird-1492	96	6	on	on	ADP
ajird-1492	96	7	international	international	ADJ
ajird-1492	96	8	standards	standard	NOUN
ajird-1492	96	9	.	.	PUNCT
ajird-1492	97	1	conferencea	conferencea	NOUN
ajird-1492	97	2	,	,	PUNCT
ajird-1492	97	3	151	151	NUM
ajird-1492	97	4	-	-	SYM
ajird-1492	97	5	155	155	NUM
ajird-1492	97	6	.	.	PUNCT
ajird-1492	97	7	10	10	NUM
ajird-1492	97	8	.	.	X
ajird-1492	98	1	ergashev	ergashev	PROPN
ajird-1492	98	2	,	,	PUNCT
ajird-1492	98	3	k.	k.	PROPN
ajird-1492	98	4	(	(	PUNCT
ajird-1492	98	5	2023	2023	NUM
ajird-1492	98	6	)	)	PUNCT
ajird-1492	98	7	.	.	PUNCT
ajird-1492	99	1	modern	modern	ADJ
ajird-1492	99	2	information	information	NOUN
ajird-1492	99	3	technologies	technology	NOUN
ajird-1492	99	4	:	:	PUNCT
ajird-1492	99	5	features	feature	NOUN
ajird-1492	99	6	and	and	CCONJ
ajird-1492	99	7	directions	direction	NOUN
ajird-1492	99	8	of	of	ADP
ajird-1492	99	9	economic	economic	ADJ
ajird-1492	99	10	development	development	NOUN
ajird-1492	99	11	.	.	PUNCT
ajird-1492	100	1	наука	наука	PROPN
ajird-1492	100	2	и	и	PROPN
ajird-1492	100	3	инновация	инновация	NOUN
ajird-1492	100	4	,	,	PUNCT
ajird-1492	100	5	1(11	1(11	NUM
ajird-1492	100	6	)	)	PUNCT
ajird-1492	100	7	,	,	PUNCT
ajird-1492	100	8	90	90	NUM
ajird-1492	100	9	-	-	SYM
ajird-1492	100	10	93	93	NUM
ajird-1492	100	11	.	.	PUNCT