id	sid	tid	token	lemma	pos
stem-8543	1	1	497	497	NUM
stem-8543	1	2	american	american	ADJ
stem-8543	1	3	journal	journal	NOUN
stem-8543	1	4	of	of	ADP
stem-8543	1	5	language	language	NOUN
stem-8543	1	6	,	,	PUNCT
stem-8543	1	7	literacy	literacy	NOUN
stem-8543	1	8	and	and	CCONJ
stem-8543	1	9	learning	learn	VERB
stem-8543	1	10	in	in	ADP
stem-8543	1	11	stem	stem	NOUN
stem-8543	1	12	education	education	NOUN
stem-8543	1	13	www	www	PROPN
stem-8543	1	14	.	.	PROPN
stem-8543	2	1	grnjournal.us	grnjournal.us	PROPN
stem-8543	2	2	american	american	PROPN
stem-8543	2	3	journal	journal	PROPN
stem-8543	2	4	of	of	ADP
stem-8543	2	5	language	language	NOUN
stem-8543	2	6	,	,	PUNCT
stem-8543	2	7	literacy	literacy	NOUN
stem-8543	2	8	and	and	CCONJ
stem-8543	2	9	learning	learn	VERB
stem-8543	2	10	in	in	ADP
stem-8543	2	11	stem	stem	NOUN
stem-8543	2	12	education	education	NOUN
stem-8543	2	13	volume	volume	NOUN
stem-8543	2	14	3	3	NUM
stem-8543	2	15	,	,	PUNCT
stem-8543	2	16	issue	issue	NOUN
stem-8543	2	17	10	10	NUM
stem-8543	2	18	,	,	PUNCT
stem-8543	2	19	2025	2025	NUM
stem-8543	2	20	issn	issn	X
stem-8543	2	21	(	(	PUNCT
stem-8543	2	22	e	e	NOUN
stem-8543	2	23	):	):	PUNCT
stem-8543	2	24	2993	2993	NUM
stem-8543	2	25	-	-	SYM
stem-8543	2	26	2769	2769	NUM
stem-8543	2	27	the	the	DET
stem-8543	2	28	impact	impact	NOUN
stem-8543	2	29	of	of	ADP
stem-8543	2	30	english	english	PROPN
stem-8543	2	31	on	on	ADP
stem-8543	2	32	the	the	DET
stem-8543	2	33	effectiveness	effectiveness	NOUN
stem-8543	2	34	of	of	ADP
stem-8543	2	35	online	online	ADJ
stem-8543	2	36	economic	economic	ADJ
stem-8543	2	37	platforms	platform	NOUN
stem-8543	2	38	valijonova	valijonova	PROPN
stem-8543	2	39	dilnavaz	dilnavaz	PROPN
stem-8543	2	40	alijon	alijon	PROPN
stem-8543	2	41	kizi	kizi	PROPN
stem-8543	2	42	tashkent	tashkent	PROPN
stem-8543	2	43	university	university	PROPN
stem-8543	2	44	of	of	ADP
stem-8543	2	45	applied	apply	VERB
stem-8543	2	46	sciences	science	NOUN
stem-8543	2	47	.	.	PUNCT
stem-8543	3	1	department	department	PROPN
stem-8543	3	2	of	of	ADP
stem-8543	3	3	general	general	ADJ
stem-8543	3	4	economics	economic	NOUN
stem-8543	3	5	,	,	PUNCT
stem-8543	3	6	teacher	teacher	NOUN
stem-8543	3	7	of	of	ADP
stem-8543	3	8	digital	digital	ADJ
stem-8543	3	9	economics	economic	NOUN
stem-8543	3	10	abstract	abstract	NOUN
stem-8543	3	11	.	.	PUNCT
stem-8543	4	1	this	this	DET
stem-8543	4	2	study	study	NOUN
stem-8543	4	3	aims	aim	VERB
stem-8543	4	4	to	to	PART
stem-8543	4	5	analyze	analyze	VERB
stem-8543	4	6	the	the	DET
stem-8543	4	7	role	role	NOUN
stem-8543	4	8	of	of	ADP
stem-8543	4	9	english	english	ADJ
stem-8543	4	10	language	language	NOUN
stem-8543	4	11	in	in	ADP
stem-8543	4	12	the	the	DET
stem-8543	4	13	digital	digital	ADJ
stem-8543	4	14	economy	economy	NOUN
stem-8543	4	15	,	,	PUNCT
stem-8543	4	16	focusing	focus	VERB
stem-8543	4	17	on	on	ADP
stem-8543	4	18	its	its	PRON
stem-8543	4	19	significance	significance	NOUN
stem-8543	4	20	in	in	ADP
stem-8543	4	21	it	it	PRON
stem-8543	4	22	,	,	PUNCT
stem-8543	4	23	fintech	fintech	NOUN
stem-8543	4	24	,	,	PUNCT
stem-8543	4	25	and	and	CCONJ
stem-8543	4	26	online	online	ADJ
stem-8543	4	27	economic	economic	ADJ
stem-8543	4	28	platforms	platform	NOUN
stem-8543	4	29	.	.	PUNCT
stem-8543	5	1	the	the	DET
stem-8543	5	2	objective	objective	NOUN
stem-8543	5	3	is	be	AUX
stem-8543	5	4	to	to	PART
stem-8543	5	5	investigate	investigate	VERB
stem-8543	5	6	how	how	SCONJ
stem-8543	5	7	english	english	ADJ
stem-8543	5	8	proficiency	proficiency	NOUN
stem-8543	5	9	influences	influence	VERB
stem-8543	5	10	professional	professional	ADJ
stem-8543	5	11	communication	communication	NOUN
stem-8543	5	12	,	,	PUNCT
stem-8543	5	13	technical	technical	ADJ
stem-8543	5	14	knowledge	knowledge	NOUN
stem-8543	5	15	acquisition	acquisition	NOUN
stem-8543	5	16	,	,	PUNCT
stem-8543	5	17	and	and	CCONJ
stem-8543	5	18	participation	participation	NOUN
stem-8543	5	19	in	in	ADP
stem-8543	5	20	global	global	ADJ
stem-8543	5	21	digital	digital	ADJ
stem-8543	5	22	markets	market	NOUN
stem-8543	5	23	.	.	PUNCT
stem-8543	6	1	the	the	DET
stem-8543	6	2	research	research	NOUN
stem-8543	6	3	employs	employ	VERB
stem-8543	6	4	a	a	DET
stem-8543	6	5	mixed	mixed	ADJ
stem-8543	6	6	-	-	PUNCT
stem-8543	6	7	methods	method	NOUN
stem-8543	6	8	approach	approach	NOUN
stem-8543	6	9	,	,	PUNCT
stem-8543	6	10	combining	combine	VERB
stem-8543	6	11	qualitative	qualitative	ADJ
stem-8543	6	12	analysis	analysis	NOUN
stem-8543	6	13	of	of	ADP
stem-8543	6	14	digital	digital	ADJ
stem-8543	6	15	platform	platform	NOUN
stem-8543	6	16	content	content	NOUN
stem-8543	6	17	and	and	CCONJ
stem-8543	6	18	quantitative	quantitative	ADJ
stem-8543	6	19	surveys	survey	NOUN
stem-8543	6	20	among	among	ADP
stem-8543	6	21	it	it	PRON
stem-8543	6	22	and	and	CCONJ
stem-8543	6	23	fintech	fintech	NOUN
stem-8543	6	24	professionals	professional	NOUN
stem-8543	6	25	.	.	PUNCT
stem-8543	7	1	data	datum	NOUN
stem-8543	7	2	were	be	AUX
stem-8543	7	3	collected	collect	VERB
stem-8543	7	4	from	from	ADP
stem-8543	7	5	online	online	ADJ
stem-8543	7	6	learning	learn	VERB
stem-8543	7	7	resources	resource	NOUN
stem-8543	7	8	,	,	PUNCT
stem-8543	7	9	global	global	ADJ
stem-8543	7	10	platforms	platform	NOUN
stem-8543	7	11	such	such	ADJ
stem-8543	7	12	as	as	ADP
stem-8543	7	13	github	github	NOUN
stem-8543	7	14	,	,	PUNCT
stem-8543	7	15	upwork	upwork	NOUN
stem-8543	7	16	,	,	PUNCT
stem-8543	7	17	and	and	CCONJ
stem-8543	7	18	digital	digital	ADJ
stem-8543	7	19	financial	financial	ADJ
stem-8543	7	20	services	service	NOUN
stem-8543	7	21	,	,	PUNCT
stem-8543	7	22	and	and	CCONJ
stem-8543	7	23	through	through	ADP
stem-8543	7	24	questionnaires	questionnaire	NOUN
stem-8543	7	25	targeting	target	VERB
stem-8543	7	26	university	university	NOUN
stem-8543	7	27	students	student	NOUN
stem-8543	7	28	and	and	CCONJ
stem-8543	7	29	industry	industry	NOUN
stem-8543	7	30	specialists	specialist	NOUN
stem-8543	7	31	.	.	PUNCT
stem-8543	8	1	the	the	DET
stem-8543	8	2	findings	finding	NOUN
stem-8543	8	3	indicate	indicate	VERB
stem-8543	8	4	that	that	SCONJ
stem-8543	8	5	english	english	PROPN
stem-8543	8	6	is	be	AUX
stem-8543	8	7	essential	essential	ADJ
stem-8543	8	8	for	for	ADP
stem-8543	8	9	understanding	understand	VERB
stem-8543	8	10	technical	technical	ADJ
stem-8543	8	11	documentation	documentation	NOUN
stem-8543	8	12	,	,	PUNCT
stem-8543	8	13	coding	code	VERB
stem-8543	8	14	languages	language	NOUN
stem-8543	8	15	,	,	PUNCT
stem-8543	8	16	fintech	fintech	NOUN
stem-8543	8	17	operations	operation	NOUN
stem-8543	8	18	,	,	PUNCT
stem-8543	8	19	and	and	CCONJ
stem-8543	8	20	global	global	ADJ
stem-8543	8	21	online	online	ADJ
stem-8543	8	22	business	business	NOUN
stem-8543	8	23	transactions	transaction	NOUN
stem-8543	8	24	.	.	PUNCT
stem-8543	9	1	proficiency	proficiency	NOUN
stem-8543	9	2	in	in	ADP
stem-8543	9	3	english	english	PROPN
stem-8543	9	4	directly	directly	ADV
stem-8543	9	5	correlates	correlate	VERB
stem-8543	9	6	with	with	ADP
stem-8543	9	7	the	the	DET
stem-8543	9	8	ability	ability	NOUN
stem-8543	9	9	to	to	PART
stem-8543	9	10	access	access	VERB
stem-8543	9	11	advanced	advanced	ADJ
stem-8543	9	12	technological	technological	ADJ
stem-8543	9	13	tools	tool	NOUN
stem-8543	9	14	,	,	PUNCT
stem-8543	9	15	participate	participate	VERB
stem-8543	9	16	in	in	ADP
stem-8543	9	17	international	international	ADJ
stem-8543	9	18	collaborations	collaboration	NOUN
stem-8543	9	19	,	,	PUNCT
stem-8543	9	20	and	and	CCONJ
stem-8543	9	21	enhance	enhance	VERB
stem-8543	9	22	employability	employability	NOUN
stem-8543	9	23	in	in	ADP
stem-8543	9	24	the	the	DET
stem-8543	9	25	digital	digital	ADJ
stem-8543	9	26	economy	economy	NOUN
stem-8543	9	27	.	.	PUNCT
stem-8543	10	1	this	this	DET
stem-8543	10	2	study	study	NOUN
stem-8543	10	3	contributes	contribute	VERB
stem-8543	10	4	to	to	ADP
stem-8543	10	5	digital	digital	ADJ
stem-8543	10	6	economy	economy	NOUN
stem-8543	10	7	literature	literature	NOUN
stem-8543	10	8	by	by	ADP
stem-8543	10	9	linking	link	VERB
stem-8543	10	10	language	language	NOUN
stem-8543	10	11	competence	competence	NOUN
stem-8543	10	12	with	with	ADP
stem-8543	10	13	economic	economic	ADJ
stem-8543	10	14	participation	participation	NOUN
stem-8543	10	15	.	.	PUNCT
stem-8543	11	1	it	it	PRON
stem-8543	11	2	emphasizes	emphasize	VERB
stem-8543	11	3	the	the	DET
stem-8543	11	4	communicative	communicative	ADJ
stem-8543	11	5	function	function	NOUN
stem-8543	11	6	of	of	ADP
stem-8543	11	7	english	english	PROPN
stem-8543	11	8	as	as	ADP
stem-8543	11	9	a	a	DET
stem-8543	11	10	key	key	ADJ
stem-8543	11	11	enabler	enabler	NOUN
stem-8543	11	12	of	of	ADP
stem-8543	11	13	knowledge	knowledge	NOUN
stem-8543	11	14	transfer	transfer	NOUN
stem-8543	11	15	,	,	PUNCT
stem-8543	11	16	innovation	innovation	NOUN
stem-8543	11	17	adoption	adoption	NOUN
stem-8543	11	18	,	,	PUNCT
stem-8543	11	19	and	and	CCONJ
stem-8543	11	20	cross	cross	ADJ
stem-8543	11	21	-	-	ADJ
stem-8543	11	22	border	border	ADJ
stem-8543	11	23	business	business	NOUN
stem-8543	11	24	in	in	ADP
stem-8543	11	25	the	the	DET
stem-8543	11	26	context	context	NOUN
stem-8543	11	27	of	of	ADP
stem-8543	11	28	digital	digital	ADJ
stem-8543	11	29	transformation	transformation	NOUN
stem-8543	11	30	.	.	PUNCT
stem-8543	12	1	implications	implication	NOUN
stem-8543	12	2	for	for	ADP
stem-8543	12	3	practitioners	practitioner	NOUN
stem-8543	12	4	/	/	SYM
stem-8543	12	5	policy	policy	NOUN
stem-8543	12	6	:	:	PUNCT
stem-8543	12	7	the	the	DET
stem-8543	12	8	study	study	NOUN
stem-8543	12	9	highlights	highlight	VERB
stem-8543	12	10	the	the	DET
stem-8543	12	11	necessity	necessity	NOUN
stem-8543	12	12	of	of	ADP
stem-8543	12	13	integrating	integrate	VERB
stem-8543	12	14	english	english	ADJ
stem-8543	12	15	language	language	NOUN
stem-8543	12	16	training	training	NOUN
stem-8543	12	17	into	into	ADP
stem-8543	12	18	it	it	PRON
stem-8543	12	19	and	and	CCONJ
stem-8543	12	20	fintech	fintech	NOUN
stem-8543	12	21	education	education	NOUN
stem-8543	12	22	.	.	PUNCT
stem-8543	13	1	policymakers	policymaker	NOUN
stem-8543	13	2	and	and	CCONJ
stem-8543	13	3	academic	academic	ADJ
stem-8543	13	4	institutions	institution	NOUN
stem-8543	13	5	should	should	AUX
stem-8543	13	6	develop	develop	VERB
stem-8543	13	7	programs	program	NOUN
stem-8543	13	8	that	that	PRON
stem-8543	13	9	combine	combine	VERB
stem-8543	13	10	language	language	NOUN
stem-8543	13	11	skills	skill	NOUN
stem-8543	13	12	with	with	ADP
stem-8543	13	13	technical	technical	ADJ
stem-8543	13	14	competencies	competency	NOUN
stem-8543	13	15	to	to	PART
stem-8543	13	16	prepare	prepare	VERB
stem-8543	13	17	students	student	NOUN
stem-8543	13	18	and	and	CCONJ
stem-8543	13	19	professionals	professional	NOUN
stem-8543	13	20	for	for	ADP
stem-8543	13	21	the	the	DET
stem-8543	13	22	global	global	ADJ
stem-8543	13	23	digital	digital	ADJ
stem-8543	13	24	market	market	NOUN
stem-8543	13	25	.	.	PUNCT
stem-8543	14	1	the	the	DET
stem-8543	14	2	research	research	NOUN
stem-8543	14	3	focuses	focus	VERB
stem-8543	14	4	primarily	primarily	ADV
stem-8543	14	5	on	on	ADP
stem-8543	14	6	english	english	PROPN
stem-8543	14	7	in	in	ADP
stem-8543	14	8	digital	digital	ADJ
stem-8543	14	9	economy	economy	NOUN
stem-8543	14	10	contexts	contexts	NOUN
stem-8543	14	11	and	and	CCONJ
stem-8543	14	12	may	may	AUX
stem-8543	14	13	not	not	PART
stem-8543	14	14	fully	fully	ADV
stem-8543	14	15	capture	capture	VERB
stem-8543	14	16	regional	regional	ADJ
stem-8543	14	17	language	language	NOUN
stem-8543	14	18	variations	variation	NOUN
stem-8543	14	19	or	or	CCONJ
stem-8543	14	20	multilingual	multilingual	ADJ
stem-8543	14	21	platforms	platform	NOUN
stem-8543	14	22	.	.	PUNCT
stem-8543	15	1	future	future	ADJ
stem-8543	15	2	studies	study	NOUN
stem-8543	15	3	could	could	AUX
stem-8543	15	4	extend	extend	VERB
stem-8543	15	5	this	this	DET
stem-8543	15	6	research	research	NOUN
stem-8543	15	7	by	by	ADP
stem-8543	15	8	exploring	explore	VERB
stem-8543	15	9	comparative	comparative	ADJ
stem-8543	15	10	impacts	impact	NOUN
stem-8543	15	11	of	of	ADP
stem-8543	15	12	multiple	multiple	ADJ
stem-8543	15	13	languages	language	NOUN
stem-8543	15	14	on	on	ADP
stem-8543	15	15	digital	digital	ADJ
stem-8543	15	16	economic	economic	ADJ
stem-8543	15	17	participation	participation	NOUN
stem-8543	15	18	key	key	ADJ
stem-8543	15	19	words	word	NOUN
stem-8543	15	20	:	:	PUNCT
stem-8543	15	21	digital	digital	ADJ
stem-8543	15	22	economy	economy	NOUN
stem-8543	15	23	;	;	PUNCT
stem-8543	15	24	english	english	ADJ
stem-8543	15	25	language	language	NOUN
stem-8543	15	26	;	;	PUNCT
stem-8543	15	27	it	it	PRON
stem-8543	15	28	;	;	PUNCT
stem-8543	15	29	fintech	fintech	NOUN
stem-8543	15	30	;	;	PUNCT
stem-8543	15	31	online	online	ADJ
stem-8543	15	32	platforms	platform	NOUN
stem-8543	15	33	;	;	PUNCT
stem-8543	15	34	global	global	ADJ
stem-8543	15	35	communication	communication	NOUN
stem-8543	15	36	;	;	PUNCT
stem-8543	15	37	professional	professional	ADJ
stem-8543	15	38	competence	competence	NOUN
stem-8543	15	39	;	;	PUNCT
stem-8543	15	40	language	language	NOUN
stem-8543	15	41	in	in	ADP
stem-8543	15	42	technology	technology	NOUN
stem-8543	15	43	.	.	PUNCT
stem-8543	16	1	introduction	introduction	NOUN
stem-8543	16	2	the	the	DET
stem-8543	16	3	global	global	ADJ
stem-8543	16	4	digital	digital	ADJ
stem-8543	16	5	economy	economy	NOUN
stem-8543	16	6	has	have	AUX
stem-8543	16	7	emerged	emerge	VERB
stem-8543	16	8	as	as	ADP
stem-8543	16	9	a	a	DET
stem-8543	16	10	transformative	transformative	ADJ
stem-8543	16	11	force	force	NOUN
stem-8543	16	12	,	,	PUNCT
stem-8543	16	13	reshaping	reshape	VERB
stem-8543	16	14	how	how	SCONJ
stem-8543	16	15	businesses	business	NOUN
stem-8543	16	16	,	,	PUNCT
stem-8543	16	17	governments	government	NOUN
stem-8543	16	18	,	,	PUNCT
stem-8543	16	19	and	and	CCONJ
stem-8543	16	20	individuals	individual	NOUN
stem-8543	16	21	interact	interact	VERB
stem-8543	16	22	in	in	ADP
stem-8543	16	23	an	an	DET
stem-8543	16	24	interconnected	interconnected	ADJ
stem-8543	16	25	world	world	NOUN
stem-8543	16	26	.	.	PUNCT
stem-8543	17	1	rapid	rapid	ADJ
stem-8543	17	2	advancements	advancement	NOUN
stem-8543	17	3	in	in	ADP
stem-8543	17	4	information	information	NOUN
stem-8543	17	5	technology	technology	NOUN
stem-8543	17	6	(	(	PUNCT
stem-8543	17	7	it	it	PRON
stem-8543	17	8	)	)	PUNCT
stem-8543	17	9	,	,	PUNCT
stem-8543	17	10	financial	financial	ADJ
stem-8543	17	11	technology	technology	NOUN
stem-8543	17	12	(	(	PUNCT
stem-8543	17	13	fintech	fintech	NOUN
stem-8543	17	14	)	)	PUNCT
stem-8543	17	15	,	,	PUNCT
stem-8543	17	16	and	and	CCONJ
stem-8543	17	17	online	online	ADJ
stem-8543	17	18	economic	economic	ADJ
stem-8543	17	19	platforms	platform	NOUN
stem-8543	17	20	have	have	AUX
stem-8543	17	21	created	create	VERB
stem-8543	17	22	new	new	ADJ
stem-8543	17	23	opportunities	opportunity	NOUN
stem-8543	17	24	and	and	CCONJ
stem-8543	17	25	challenges	challenge	NOUN
stem-8543	17	26	for	for	ADP
stem-8543	17	27	economic	economic	ADJ
stem-8543	17	28	participation	participation	NOUN
stem-8543	17	29	,	,	PUNCT
stem-8543	17	30	productivity	productivity	NOUN
stem-8543	17	31	,	,	PUNCT
stem-8543	17	32	and	and	CCONJ
stem-8543	17	33	innovation	innovation	NOUN
stem-8543	17	34	[	[	X
stem-8543	17	35	1	1	NUM
stem-8543	17	36	]	]	PUNCT
stem-8543	17	37	.	.	PUNCT
stem-8543	18	1	in	in	ADP
stem-8543	18	2	this	this	DET
stem-8543	18	3	context	context	NOUN
stem-8543	18	4	,	,	PUNCT
stem-8543	18	5	the	the	DET
stem-8543	18	6	role	role	NOUN
stem-8543	18	7	of	of	ADP
stem-8543	18	8	language	language	NOUN
stem-8543	18	9	,	,	PUNCT
stem-8543	18	10	particularly	particularly	ADV
stem-8543	18	11	english	english	PROPN
stem-8543	18	12	,	,	PUNCT
stem-8543	18	13	has	have	AUX
stem-8543	18	14	become	become	VERB
stem-8543	18	15	central	central	ADJ
stem-8543	18	16	to	to	ADP
stem-8543	18	17	professional	professional	ADJ
stem-8543	18	18	competence	competence	NOUN
stem-8543	18	19	,	,	PUNCT
stem-8543	18	20	international	international	ADJ
stem-8543	18	21	collaboration	collaboration	NOUN
stem-8543	18	22	,	,	PUNCT
stem-8543	18	23	and	and	CCONJ
stem-8543	18	24	knowledge	knowledge	NOUN
stem-8543	18	25	dissemination	dissemination	NOUN
stem-8543	18	26	.	.	PUNCT
stem-8543	19	1	english	english	ADJ
stem-8543	19	2	functions	function	NOUN
stem-8543	19	3	not	not	PART
stem-8543	19	4	only	only	ADV
stem-8543	19	5	as	as	ADP
stem-8543	19	6	a	a	DET
stem-8543	19	7	communication	communication	NOUN
stem-8543	19	8	medium	medium	NOUN
stem-8543	19	9	but	but	CCONJ
stem-8543	19	10	also	also	ADV
stem-8543	19	11	as	as	ADP
stem-8543	19	12	a	a	DET
stem-8543	19	13	vehicle	vehicle	NOUN
stem-8543	19	14	for	for	ADP
stem-8543	19	15	accessing	access	VERB
stem-8543	19	16	technical	technical	ADJ
stem-8543	19	17	knowledge	knowledge	NOUN
stem-8543	19	18	,	,	PUNCT
stem-8543	19	19	participating	participate	VERB
stem-8543	19	20	in	in	ADP
stem-8543	19	21	global	global	ADJ
stem-8543	19	22	platforms	platform	NOUN
stem-8543	19	23	,	,	PUNCT
stem-8543	19	24	and	and	CCONJ
stem-8543	19	25	contributing	contribute	VERB
stem-8543	19	26	to	to	ADP
stem-8543	19	27	the	the	DET
stem-8543	19	28	innovation	innovation	NOUN
stem-8543	19	29	-	-	PUNCT
stem-8543	19	30	driven	drive	VERB
stem-8543	19	31	economy	economy	NOUN
stem-8543	20	1	[	[	X
stem-8543	20	2	2	2	NUM
stem-8543	20	3	]	]	PUNCT
stem-8543	20	4	,	,	PUNCT
stem-8543	20	5	[	[	X
stem-8543	20	6	3	3	NUM
stem-8543	20	7	]	]	PUNCT
stem-8543	20	8	.	.	PUNCT
stem-8543	21	1	498	498	NUM
stem-8543	21	2	american	american	PROPN
stem-8543	21	3	journal	journal	PROPN
stem-8543	21	4	of	of	ADP
stem-8543	21	5	language	language	NOUN
stem-8543	21	6	,	,	PUNCT
stem-8543	21	7	literacy	literacy	NOUN
stem-8543	21	8	and	and	CCONJ
stem-8543	21	9	learning	learn	VERB
stem-8543	21	10	in	in	ADP
stem-8543	21	11	stem	stem	NOUN
stem-8543	21	12	education	education	NOUN
stem-8543	21	13	www	www	PROPN
stem-8543	21	14	.	.	PUNCT
stem-8543	22	1	grnjournal.us	grnjournal.us	X
stem-8543	22	2	in	in	ADP
stem-8543	22	3	the	the	DET
stem-8543	22	4	it	it	NOUN
stem-8543	22	5	sector	sector	NOUN
stem-8543	22	6	,	,	PUNCT
stem-8543	22	7	english	english	PROPN
stem-8543	22	8	serves	serve	VERB
stem-8543	22	9	as	as	ADP
stem-8543	22	10	the	the	DET
stem-8543	22	11	primary	primary	ADJ
stem-8543	22	12	language	language	NOUN
stem-8543	22	13	for	for	ADP
stem-8543	22	14	programming	programming	NOUN
stem-8543	22	15	languages	language	NOUN
stem-8543	22	16	,	,	PUNCT
stem-8543	22	17	technical	technical	ADJ
stem-8543	22	18	documentation	documentation	NOUN
stem-8543	22	19	,	,	PUNCT
stem-8543	22	20	online	online	ADJ
stem-8543	22	21	forums	forum	NOUN
stem-8543	22	22	,	,	PUNCT
stem-8543	22	23	and	and	CCONJ
stem-8543	22	24	educational	educational	ADJ
stem-8543	22	25	resources	resource	NOUN
stem-8543	22	26	.	.	PUNCT
stem-8543	23	1	platforms	platform	NOUN
stem-8543	23	2	such	such	ADJ
stem-8543	23	3	as	as	ADP
stem-8543	23	4	github	github	NOUN
stem-8543	23	5	,	,	PUNCT
stem-8543	23	6	stack	stack	NOUN
stem-8543	23	7	overflow	overflow	NOUN
stem-8543	23	8	,	,	PUNCT
stem-8543	23	9	and	and	CCONJ
stem-8543	23	10	numerous	numerous	ADJ
stem-8543	23	11	coding	code	VERB
stem-8543	23	12	tutorials	tutorial	NOUN
stem-8543	23	13	operate	operate	VERB
stem-8543	23	14	almost	almost	ADV
stem-8543	23	15	exclusively	exclusively	ADV
stem-8543	23	16	in	in	ADP
stem-8543	23	17	english	english	PROPN
stem-8543	23	18	,	,	PUNCT
stem-8543	23	19	making	make	VERB
stem-8543	23	20	proficiency	proficiency	NOUN
stem-8543	23	21	in	in	ADP
stem-8543	23	22	the	the	DET
stem-8543	23	23	language	language	NOUN
stem-8543	23	24	essential	essential	ADJ
stem-8543	23	25	for	for	ADP
stem-8543	23	26	software	software	NOUN
stem-8543	23	27	developers	developer	NOUN
stem-8543	23	28	,	,	PUNCT
stem-8543	23	29	data	datum	NOUN
stem-8543	23	30	scientists	scientist	NOUN
stem-8543	23	31	,	,	PUNCT
stem-8543	23	32	and	and	CCONJ
stem-8543	23	33	it	it	PRON
stem-8543	23	34	professionals	professional	VERB
stem-8543	23	35	[	[	X
stem-8543	23	36	4	4	NUM
stem-8543	23	37	]	]	PUNCT
stem-8543	23	38	,	,	PUNCT
stem-8543	23	39	[	[	X
stem-8543	23	40	5	5	NUM
stem-8543	23	41	]	]	PUNCT
stem-8543	23	42	.	.	PUNCT
stem-8543	24	1	without	without	ADP
stem-8543	24	2	adequate	adequate	ADJ
stem-8543	24	3	english	english	ADJ
stem-8543	24	4	skills	skill	NOUN
stem-8543	24	5	,	,	PUNCT
stem-8543	24	6	individuals	individual	NOUN
stem-8543	24	7	may	may	AUX
stem-8543	24	8	face	face	VERB
stem-8543	24	9	barriers	barrier	NOUN
stem-8543	24	10	in	in	ADP
stem-8543	24	11	understanding	understand	VERB
stem-8543	24	12	new	new	ADJ
stem-8543	24	13	technologies	technology	NOUN
stem-8543	24	14	,	,	PUNCT
stem-8543	24	15	collaborating	collaborate	VERB
stem-8543	24	16	on	on	ADP
stem-8543	24	17	international	international	ADJ
stem-8543	24	18	projects	project	NOUN
stem-8543	24	19	,	,	PUNCT
stem-8543	24	20	and	and	CCONJ
stem-8543	24	21	staying	stay	VERB
stem-8543	24	22	updated	update	VERB
stem-8543	24	23	with	with	ADP
stem-8543	24	24	global	global	ADJ
stem-8543	24	25	technological	technological	ADJ
stem-8543	24	26	trends	trend	NOUN
stem-8543	24	27	.	.	PUNCT
stem-8543	25	1	consequently	consequently	ADV
stem-8543	25	2	,	,	PUNCT
stem-8543	25	3	english	english	PROPN
stem-8543	25	4	has	have	AUX
stem-8543	25	5	become	become	VERB
stem-8543	25	6	an	an	DET
stem-8543	25	7	integral	integral	ADJ
stem-8543	25	8	component	component	NOUN
stem-8543	25	9	of	of	ADP
stem-8543	25	10	digital	digital	ADJ
stem-8543	25	11	literacy	literacy	NOUN
stem-8543	25	12	and	and	CCONJ
stem-8543	25	13	technical	technical	ADJ
stem-8543	25	14	proficiency	proficiency	NOUN
stem-8543	25	15	[	[	X
stem-8543	25	16	6	6	NUM
stem-8543	25	17	]	]	PUNCT
stem-8543	25	18	.	.	PUNCT
stem-8543	26	1	in	in	ADP
stem-8543	26	2	fintech	fintech	NOUN
stem-8543	26	3	,	,	PUNCT
stem-8543	26	4	english	english	PROPN
stem-8543	26	5	plays	play	VERB
stem-8543	26	6	a	a	DET
stem-8543	26	7	critical	critical	ADJ
stem-8543	26	8	role	role	NOUN
stem-8543	26	9	in	in	ADP
stem-8543	26	10	bridging	bridge	VERB
stem-8543	26	11	financial	financial	ADJ
stem-8543	26	12	services	service	NOUN
stem-8543	26	13	and	and	CCONJ
stem-8543	26	14	technology	technology	NOUN
stem-8543	26	15	across	across	ADP
stem-8543	26	16	borders	border	NOUN
stem-8543	26	17	.	.	PUNCT
stem-8543	27	1	online	online	ADJ
stem-8543	27	2	payment	payment	NOUN
stem-8543	27	3	systems	system	NOUN
stem-8543	27	4	,	,	PUNCT
stem-8543	27	5	blockchain	blockchain	PROPN
stem-8543	27	6	platforms	platforms	PROPN
stem-8543	27	7	,	,	PUNCT
stem-8543	27	8	digital	digital	ADJ
stem-8543	27	9	banking	banking	NOUN
stem-8543	27	10	applications	application	NOUN
stem-8543	27	11	,	,	PUNCT
stem-8543	27	12	and	and	CCONJ
stem-8543	27	13	international	international	ADJ
stem-8543	27	14	investment	investment	NOUN
stem-8543	27	15	services	service	NOUN
stem-8543	27	16	predominantly	predominantly	ADV
stem-8543	27	17	use	use	VERB
stem-8543	27	18	english	english	PROPN
stem-8543	27	19	in	in	ADP
stem-8543	27	20	their	their	PRON
stem-8543	27	21	interfaces	interface	NOUN
stem-8543	27	22	,	,	PUNCT
stem-8543	27	23	documentation	documentation	NOUN
stem-8543	27	24	,	,	PUNCT
stem-8543	27	25	and	and	CCONJ
stem-8543	27	26	communication	communication	NOUN
stem-8543	27	27	channels	channel	NOUN
stem-8543	27	28	.	.	PUNCT
stem-8543	28	1	professionals	professional	NOUN
stem-8543	28	2	who	who	PRON
stem-8543	28	3	can	can	AUX
stem-8543	28	4	navigate	navigate	VERB
stem-8543	28	5	these	these	DET
stem-8543	28	6	english	english	ADJ
stem-8543	28	7	-	-	PUNCT
stem-8543	28	8	language	language	NOUN
stem-8543	28	9	platforms	platform	NOUN
stem-8543	28	10	can	can	AUX
stem-8543	28	11	engage	engage	VERB
stem-8543	28	12	more	more	ADV
stem-8543	28	13	effectively	effectively	ADV
stem-8543	28	14	in	in	ADP
stem-8543	28	15	financial	financial	ADJ
stem-8543	28	16	innovation	innovation	NOUN
stem-8543	28	17	,	,	PUNCT
stem-8543	28	18	collaborate	collaborate	VERB
stem-8543	28	19	with	with	ADP
stem-8543	28	20	global	global	ADJ
stem-8543	28	21	partners	partner	NOUN
stem-8543	28	22	,	,	PUNCT
stem-8543	28	23	and	and	CCONJ
stem-8543	28	24	access	access	NOUN
stem-8543	28	25	cuttingedge	cuttingedge	ADJ
stem-8543	28	26	financial	financial	ADJ
stem-8543	28	27	tools	tool	NOUN
stem-8543	28	28	[	[	X
stem-8543	28	29	7	7	NUM
stem-8543	28	30	]	]	PUNCT
stem-8543	28	31	.	.	PUNCT
stem-8543	29	1	thus	thus	ADV
stem-8543	29	2	,	,	PUNCT
stem-8543	29	3	english	english	ADJ
stem-8543	29	4	proficiency	proficiency	NOUN
stem-8543	29	5	not	not	PART
stem-8543	29	6	only	only	ADV
stem-8543	29	7	facilitates	facilitate	VERB
stem-8543	29	8	operational	operational	ADJ
stem-8543	29	9	efficiency	efficiency	NOUN
stem-8543	29	10	but	but	CCONJ
stem-8543	29	11	also	also	ADV
stem-8543	29	12	enhances	enhance	VERB
stem-8543	29	13	professional	professional	ADJ
stem-8543	29	14	mobility	mobility	NOUN
stem-8543	29	15	and	and	CCONJ
stem-8543	29	16	competitiveness	competitiveness	NOUN
stem-8543	29	17	in	in	ADP
stem-8543	29	18	the	the	DET
stem-8543	29	19	rapidly	rapidly	ADV
stem-8543	29	20	evolving	evolve	VERB
stem-8543	29	21	fintech	fintech	NOUN
stem-8543	29	22	landscape	landscape	NOUN
stem-8543	29	23	.	.	PUNCT
stem-8543	30	1	furthermore	furthermore	ADV
stem-8543	30	2	,	,	PUNCT
stem-8543	30	3	online	online	ADJ
stem-8543	30	4	economic	economic	ADJ
stem-8543	30	5	platforms	platform	NOUN
stem-8543	30	6	,	,	PUNCT
stem-8543	30	7	including	include	VERB
stem-8543	30	8	e	e	NOUN
stem-8543	30	9	-	-	NOUN
stem-8543	30	10	commerce	commerce	NOUN
stem-8543	30	11	marketplaces	marketplace	NOUN
stem-8543	30	12	,	,	PUNCT
stem-8543	30	13	freelancing	freelancing	NOUN
stem-8543	30	14	networks	network	NOUN
stem-8543	30	15	,	,	PUNCT
stem-8543	30	16	and	and	CCONJ
stem-8543	30	17	virtual	virtual	ADJ
stem-8543	30	18	investment	investment	NOUN
stem-8543	30	19	platforms	platform	NOUN
stem-8543	30	20	,	,	PUNCT
stem-8543	30	21	rely	rely	VERB
stem-8543	30	22	heavily	heavily	ADV
stem-8543	30	23	on	on	ADP
stem-8543	30	24	english	english	PROPN
stem-8543	30	25	for	for	ADP
stem-8543	30	26	global	global	ADJ
stem-8543	30	27	interaction	interaction	NOUN
stem-8543	30	28	[	[	X
stem-8543	30	29	8	8	NUM
stem-8543	30	30	]	]	PUNCT
stem-8543	30	31	.	.	PUNCT
stem-8543	31	1	websites	website	NOUN
stem-8543	31	2	such	such	ADJ
stem-8543	31	3	as	as	ADP
stem-8543	31	4	amazon	amazon	NOUN
stem-8543	31	5	,	,	PUNCT
stem-8543	31	6	upwork	upwork	NOUN
stem-8543	31	7	,	,	PUNCT
stem-8543	31	8	and	and	CCONJ
stem-8543	31	9	binance	binance	AUX
stem-8543	31	10	provide	provide	VERB
stem-8543	31	11	interfaces	interface	NOUN
stem-8543	31	12	,	,	PUNCT
stem-8543	31	13	customer	customer	NOUN
stem-8543	31	14	support	support	NOUN
stem-8543	31	15	,	,	PUNCT
stem-8543	31	16	and	and	CCONJ
stem-8543	31	17	transactional	transactional	ADJ
stem-8543	31	18	content	content	NOUN
stem-8543	31	19	primarily	primarily	ADV
stem-8543	31	20	in	in	ADP
stem-8543	31	21	english	english	PROPN
stem-8543	31	22	,	,	PUNCT
stem-8543	31	23	ensuring	ensure	VERB
stem-8543	31	24	consistency	consistency	NOUN
stem-8543	31	25	for	for	ADP
stem-8543	31	26	international	international	ADJ
stem-8543	31	27	users	user	NOUN
stem-8543	31	28	.	.	PUNCT
stem-8543	32	1	the	the	DET
stem-8543	32	2	ability	ability	NOUN
stem-8543	32	3	to	to	PART
stem-8543	32	4	communicate	communicate	VERB
stem-8543	32	5	and	and	CCONJ
stem-8543	32	6	transact	transact	VERB
stem-8543	32	7	effectively	effectively	ADV
stem-8543	32	8	in	in	ADP
stem-8543	32	9	english	english	PROPN
stem-8543	32	10	enables	enable	VERB
stem-8543	32	11	individuals	individual	NOUN
stem-8543	32	12	and	and	CCONJ
stem-8543	32	13	organizations	organization	NOUN
stem-8543	32	14	to	to	PART
stem-8543	32	15	expand	expand	VERB
stem-8543	32	16	their	their	PRON
stem-8543	32	17	market	market	NOUN
stem-8543	32	18	reach	reach	NOUN
stem-8543	32	19	,	,	PUNCT
stem-8543	32	20	attract	attract	VERB
stem-8543	32	21	international	international	ADJ
stem-8543	32	22	clients	client	NOUN
stem-8543	32	23	,	,	PUNCT
stem-8543	32	24	and	and	CCONJ
stem-8543	32	25	participate	participate	VERB
stem-8543	32	26	in	in	ADP
stem-8543	32	27	cross	cross	ADJ
stem-8543	32	28	-	-	ADJ
stem-8543	32	29	border	border	ADJ
stem-8543	32	30	economic	economic	ADJ
stem-8543	32	31	activities	activity	NOUN
stem-8543	32	32	.	.	PUNCT
stem-8543	33	1	methodology	methodology	NOUN
stem-8543	33	2	educational	educational	ADJ
stem-8543	33	3	institutions	institution	NOUN
stem-8543	33	4	and	and	CCONJ
stem-8543	33	5	policymakers	policymaker	NOUN
stem-8543	33	6	have	have	AUX
stem-8543	33	7	increasingly	increasingly	ADV
stem-8543	33	8	recognized	recognize	VERB
stem-8543	33	9	the	the	DET
stem-8543	33	10	strategic	strategic	ADJ
stem-8543	33	11	importance	importance	NOUN
stem-8543	33	12	of	of	ADP
stem-8543	33	13	english	english	PROPN
stem-8543	33	14	in	in	ADP
stem-8543	33	15	the	the	DET
stem-8543	33	16	digital	digital	ADJ
stem-8543	33	17	economy	economy	NOUN
stem-8543	33	18	.	.	PUNCT
stem-8543	34	1	integrating	integrate	VERB
stem-8543	34	2	language	language	NOUN
stem-8543	34	3	learning	learn	VERB
stem-8543	34	4	with	with	ADP
stem-8543	34	5	it	it	PRON
stem-8543	34	6	and	and	CCONJ
stem-8543	34	7	fintech	fintech	NOUN
stem-8543	34	8	training	training	NOUN
stem-8543	34	9	ensures	ensure	VERB
stem-8543	34	10	that	that	SCONJ
stem-8543	34	11	students	student	NOUN
stem-8543	34	12	are	be	AUX
stem-8543	34	13	equipped	equip	VERB
stem-8543	34	14	with	with	ADP
stem-8543	34	15	both	both	CCONJ
stem-8543	34	16	technical	technical	ADJ
stem-8543	34	17	skills	skill	NOUN
stem-8543	34	18	and	and	CCONJ
stem-8543	34	19	linguistic	linguistic	ADJ
stem-8543	34	20	competence	competence	NOUN
stem-8543	34	21	.	.	PUNCT
stem-8543	35	1	this	this	DET
stem-8543	35	2	dual	dual	ADJ
stem-8543	35	3	approach	approach	NOUN
stem-8543	35	4	prepares	prepare	VERB
stem-8543	35	5	graduates	graduate	NOUN
stem-8543	35	6	to	to	PART
stem-8543	35	7	thrive	thrive	VERB
stem-8543	35	8	in	in	ADP
stem-8543	35	9	global	global	ADJ
stem-8543	35	10	digital	digital	ADJ
stem-8543	35	11	marketplaces	marketplace	NOUN
stem-8543	35	12	,	,	PUNCT
stem-8543	35	13	engage	engage	VERB
stem-8543	35	14	in	in	ADP
stem-8543	35	15	international	international	ADJ
stem-8543	35	16	collaborations	collaboration	NOUN
stem-8543	35	17	,	,	PUNCT
stem-8543	35	18	and	and	CCONJ
stem-8543	35	19	contribute	contribute	VERB
stem-8543	35	20	meaningfully	meaningfully	ADV
stem-8543	35	21	to	to	ADP
stem-8543	35	22	the	the	DET
stem-8543	35	23	knowledge	knowledge	NOUN
stem-8543	35	24	economy	economy	NOUN
stem-8543	35	25	.	.	PUNCT
stem-8543	36	1	the	the	DET
stem-8543	36	2	combination	combination	NOUN
stem-8543	36	3	of	of	ADP
stem-8543	36	4	english	english	ADJ
stem-8543	36	5	language	language	NOUN
stem-8543	36	6	proficiency	proficiency	NOUN
stem-8543	36	7	and	and	CCONJ
stem-8543	36	8	technical	technical	ADJ
stem-8543	36	9	expertise	expertise	NOUN
stem-8543	36	10	becomes	become	VERB
stem-8543	36	11	a	a	DET
stem-8543	36	12	key	key	ADJ
stem-8543	36	13	determinant	determinant	NOUN
stem-8543	36	14	of	of	ADP
stem-8543	36	15	employability	employability	NOUN
stem-8543	36	16	,	,	PUNCT
stem-8543	36	17	innovation	innovation	NOUN
stem-8543	36	18	capacity	capacity	NOUN
stem-8543	36	19	,	,	PUNCT
stem-8543	36	20	and	and	CCONJ
stem-8543	36	21	economic	economic	ADJ
stem-8543	36	22	competitiveness	competitiveness	NOUN
stem-8543	36	23	.	.	PUNCT
stem-8543	37	1	in	in	ADP
stem-8543	37	2	sum	sum	NOUN
stem-8543	37	3	,	,	PUNCT
stem-8543	37	4	english	english	PROPN
stem-8543	37	5	is	be	AUX
stem-8543	37	6	no	no	ADV
stem-8543	37	7	longer	long	ADV
stem-8543	37	8	merely	merely	ADV
stem-8543	37	9	a	a	DET
stem-8543	37	10	foreign	foreign	ADJ
stem-8543	37	11	language	language	NOUN
stem-8543	37	12	;	;	PUNCT
stem-8543	37	13	it	it	PRON
stem-8543	37	14	is	be	AUX
stem-8543	37	15	a	a	DET
stem-8543	37	16	strategic	strategic	ADJ
stem-8543	37	17	tool	tool	NOUN
stem-8543	37	18	and	and	CCONJ
stem-8543	37	19	enabler	enabler	NOUN
stem-8543	37	20	within	within	ADP
stem-8543	37	21	the	the	DET
stem-8543	37	22	digital	digital	ADJ
stem-8543	37	23	economy	economy	NOUN
stem-8543	37	24	.	.	PUNCT
stem-8543	38	1	its	its	PRON
stem-8543	38	2	integration	integration	NOUN
stem-8543	38	3	into	into	ADP
stem-8543	38	4	it	it	PRON
stem-8543	38	5	,	,	PUNCT
stem-8543	38	6	fintech	fintech	NOUN
stem-8543	38	7	,	,	PUNCT
stem-8543	38	8	and	and	CCONJ
stem-8543	38	9	online	online	ADJ
stem-8543	38	10	economic	economic	ADJ
stem-8543	38	11	platforms	platform	NOUN
stem-8543	38	12	underscores	underscore	VERB
stem-8543	38	13	its	its	PRON
stem-8543	38	14	importance	importance	NOUN
stem-8543	38	15	for	for	ADP
stem-8543	38	16	global	global	ADJ
stem-8543	38	17	communication	communication	NOUN
stem-8543	38	18	,	,	PUNCT
stem-8543	38	19	knowledge	knowledge	NOUN
stem-8543	38	20	acquisition	acquisition	NOUN
stem-8543	38	21	,	,	PUNCT
stem-8543	38	22	and	and	CCONJ
stem-8543	38	23	professional	professional	ADJ
stem-8543	38	24	development	development	NOUN
stem-8543	38	25	.	.	PUNCT
stem-8543	39	1	this	this	DET
stem-8543	39	2	paper	paper	NOUN
stem-8543	39	3	aims	aim	VERB
stem-8543	39	4	to	to	PART
stem-8543	39	5	examine	examine	VERB
stem-8543	39	6	the	the	DET
stem-8543	39	7	multifaceted	multifaceted	ADJ
stem-8543	39	8	role	role	NOUN
stem-8543	39	9	of	of	ADP
stem-8543	39	10	english	english	PROPN
stem-8543	39	11	in	in	ADP
stem-8543	39	12	these	these	DET
stem-8543	39	13	domains	domain	NOUN
stem-8543	39	14	,	,	PUNCT
stem-8543	39	15	emphasizing	emphasize	VERB
stem-8543	39	16	its	its	PRON
stem-8543	39	17	significance	significance	NOUN
stem-8543	39	18	in	in	ADP
stem-8543	39	19	digital	digital	ADJ
stem-8543	39	20	economic	economic	ADJ
stem-8543	39	21	participation	participation	NOUN
stem-8543	39	22	,	,	PUNCT
stem-8543	39	23	innovation	innovation	NOUN
stem-8543	39	24	facilitation	facilitation	NOUN
stem-8543	39	25	,	,	PUNCT
stem-8543	39	26	and	and	CCONJ
stem-8543	39	27	workforce	workforce	PROPN
stem-8543	39	28	preparedness	preparedness	NOUN
stem-8543	39	29	.	.	PUNCT
stem-8543	40	1	by	by	ADP
stem-8543	40	2	analyzing	analyze	VERB
stem-8543	40	3	both	both	CCONJ
stem-8543	40	4	practical	practical	ADJ
stem-8543	40	5	applications	application	NOUN
stem-8543	40	6	and	and	CCONJ
stem-8543	40	7	theoretical	theoretical	ADJ
stem-8543	40	8	underpinnings	underpinning	NOUN
stem-8543	40	9	,	,	PUNCT
stem-8543	40	10	the	the	DET
stem-8543	40	11	study	study	NOUN
stem-8543	40	12	seeks	seek	VERB
stem-8543	40	13	to	to	PART
stem-8543	40	14	provide	provide	VERB
stem-8543	40	15	insights	insight	NOUN
stem-8543	40	16	for	for	ADP
stem-8543	40	17	educators	educator	NOUN
stem-8543	40	18	,	,	PUNCT
stem-8543	40	19	policymakers	policymaker	NOUN
stem-8543	40	20	,	,	PUNCT
stem-8543	40	21	and	and	CCONJ
stem-8543	40	22	practitioners	practitioner	NOUN
stem-8543	40	23	seeking	seek	VERB
stem-8543	40	24	to	to	PART
stem-8543	40	25	maximize	maximize	VERB
stem-8543	40	26	the	the	DET
stem-8543	40	27	benefits	benefit	NOUN
stem-8543	40	28	of	of	ADP
stem-8543	40	29	english	english	PROPN
stem-8543	40	30	in	in	ADP
stem-8543	40	31	the	the	DET
stem-8543	40	32	context	context	NOUN
stem-8543	40	33	of	of	ADP
stem-8543	40	34	the	the	DET
stem-8543	40	35	digital	digital	ADJ
stem-8543	40	36	economy	economy	NOUN
stem-8543	40	37	.	.	PUNCT
stem-8543	41	1	results	result	VERB
stem-8543	41	2	the	the	DET
stem-8543	41	3	study	study	NOUN
stem-8543	41	4	collected	collect	VERB
stem-8543	41	5	data	datum	NOUN
stem-8543	41	6	from	from	ADP
stem-8543	41	7	150	150	NUM
stem-8543	41	8	participants	participant	NOUN
stem-8543	41	9	,	,	PUNCT
stem-8543	41	10	including	include	VERB
stem-8543	41	11	university	university	NOUN
stem-8543	41	12	students	student	NOUN
stem-8543	41	13	majoring	major	VERB
stem-8543	41	14	in	in	ADP
stem-8543	41	15	it	it	PRON
stem-8543	41	16	and	and	CCONJ
stem-8543	41	17	fintech	fintech	NOUN
stem-8543	41	18	,	,	PUNCT
stem-8543	41	19	and	and	CCONJ
stem-8543	41	20	professionals	professional	NOUN
stem-8543	41	21	working	work	VERB
stem-8543	41	22	in	in	ADP
stem-8543	41	23	digital	digital	ADJ
stem-8543	41	24	economy	economy	NOUN
stem-8543	41	25	sectors	sector	NOUN
stem-8543	41	26	.	.	PUNCT
stem-8543	42	1	data	datum	NOUN
stem-8543	42	2	sources	source	NOUN
stem-8543	42	3	included	include	VERB
stem-8543	42	4	online	online	ADJ
stem-8543	42	5	surveys	survey	NOUN
stem-8543	42	6	,	,	PUNCT
stem-8543	42	7	platform	platform	NOUN
stem-8543	42	8	usage	usage	NOUN
stem-8543	42	9	analytics	analytic	NOUN
stem-8543	42	10	,	,	PUNCT
stem-8543	42	11	and	and	CCONJ
stem-8543	42	12	analysis	analysis	NOUN
stem-8543	42	13	of	of	ADP
stem-8543	42	14	english	english	ADJ
stem-8543	42	15	-	-	PUNCT
stem-8543	42	16	language	language	NOUN
stem-8543	42	17	technical	technical	ADJ
stem-8543	42	18	resources	resource	NOUN
stem-8543	42	19	.	.	PUNCT
stem-8543	43	1	the	the	DET
stem-8543	43	2	primary	primary	ADJ
stem-8543	43	3	aim	aim	NOUN
stem-8543	43	4	was	be	AUX
stem-8543	43	5	to	to	PART
stem-8543	43	6	determine	determine	VERB
stem-8543	43	7	the	the	DET
stem-8543	43	8	extent	extent	NOUN
stem-8543	43	9	to	to	PART
stem-8543	43	10	which	which	PRON
stem-8543	43	11	english	english	ADJ
stem-8543	43	12	proficiency	proficiency	NOUN
stem-8543	43	13	impacts	impact	VERB
stem-8543	43	14	professional	professional	ADJ
stem-8543	43	15	performance	performance	NOUN
stem-8543	43	16	,	,	PUNCT
stem-8543	43	17	technical	technical	ADJ
stem-8543	43	18	comprehension	comprehension	NOUN
stem-8543	43	19	,	,	PUNCT
stem-8543	43	20	and	and	CCONJ
stem-8543	43	21	participation	participation	NOUN
stem-8543	43	22	in	in	ADP
stem-8543	43	23	digital	digital	ADJ
stem-8543	43	24	platforms	platform	NOUN
stem-8543	43	25	.	.	PUNCT
stem-8543	44	1	table	table	NOUN
stem-8543	44	2	1	1	NUM
stem-8543	44	3	:	:	PUNCT
stem-8543	44	4	english	english	ADJ
stem-8543	44	5	proficiency	proficiency	NOUN
stem-8543	44	6	and	and	CCONJ
stem-8543	44	7	platform	platform	NOUN
stem-8543	44	8	usage	usage	NOUN
stem-8543	44	9	participant	participant	NOUN
stem-8543	44	10	group	group	NOUN
stem-8543	44	11	average	average	ADJ
stem-8543	44	12	english	english	ADJ
stem-8543	44	13	proficiency	proficiency	NOUN
stem-8543	44	14	(	(	PUNCT
stem-8543	44	15	cefr	cefr	ADJ
stem-8543	44	16	level	level	NOUN
stem-8543	44	17	)	)	PUNCT
stem-8543	44	18	active	active	ADJ
stem-8543	44	19	platform	platform	NOUN
stem-8543	44	20	usage	usage	NOUN
stem-8543	44	21	(	(	PUNCT
stem-8543	44	22	hours	hour	NOUN
stem-8543	44	23	/	/	SYM
stem-8543	44	24	week	week	NOUN
stem-8543	44	25	)	)	PUNCT
stem-8543	44	26	technical	technical	ADJ
stem-8543	44	27	resource	resource	NOUN
stem-8543	44	28	access	access	NOUN
stem-8543	44	29	(	(	PUNCT
stem-8543	44	30	%	%	INTJ
stem-8543	44	31	)	)	PUNCT
stem-8543	45	1	it	it	PRON
stem-8543	45	2	students	student	NOUN
stem-8543	45	3	b2	b2	VERB
stem-8543	45	4	10	10	NUM
stem-8543	45	5	85	85	NUM
stem-8543	45	6	fintech	fintech	NOUN
stem-8543	45	7	students	student	NOUN
stem-8543	45	8	b1	b1	VERB
stem-8543	45	9	8	8	NUM
stem-8543	45	10	70	70	NUM
stem-8543	45	11	it	it	PRON
stem-8543	45	12	professionals	professional	NOUN
stem-8543	45	13	c1	c1	PROPN
stem-8543	45	14	15	15	NUM
stem-8543	45	15	95	95	NUM
stem-8543	45	16	499	499	NUM
stem-8543	45	17	american	american	ADJ
stem-8543	45	18	journal	journal	PROPN
stem-8543	45	19	of	of	ADP
stem-8543	45	20	language	language	NOUN
stem-8543	45	21	,	,	PUNCT
stem-8543	45	22	literacy	literacy	NOUN
stem-8543	45	23	and	and	CCONJ
stem-8543	45	24	learning	learn	VERB
stem-8543	45	25	in	in	ADP
stem-8543	45	26	stem	stem	NOUN
stem-8543	45	27	education	education	NOUN
stem-8543	45	28	www	www	PROPN
stem-8543	45	29	.	.	PUNCT
stem-8543	46	1	grnjournal.us	grnjournal.us	PROPN
stem-8543	46	2	participant	participant	ADJ
stem-8543	46	3	group	group	NOUN
stem-8543	46	4	average	average	ADJ
stem-8543	46	5	english	english	ADJ
stem-8543	46	6	proficiency	proficiency	NOUN
stem-8543	46	7	(	(	PUNCT
stem-8543	46	8	cefr	cefr	ADJ
stem-8543	46	9	level	level	NOUN
stem-8543	46	10	)	)	PUNCT
stem-8543	46	11	active	active	ADJ
stem-8543	46	12	platform	platform	NOUN
stem-8543	46	13	usage	usage	NOUN
stem-8543	46	14	(	(	PUNCT
stem-8543	46	15	hours	hour	NOUN
stem-8543	46	16	/	/	SYM
stem-8543	46	17	week	week	NOUN
stem-8543	46	18	)	)	PUNCT
stem-8543	46	19	technical	technical	ADJ
stem-8543	46	20	resource	resource	NOUN
stem-8543	46	21	access	access	NOUN
stem-8543	46	22	(	(	PUNCT
stem-8543	46	23	%	%	INTJ
stem-8543	46	24	)	)	PUNCT
stem-8543	46	25	fintech	fintech	NOUN
stem-8543	46	26	professionals	professional	NOUN
stem-8543	46	27	b2	b2	VERB
stem-8543	46	28	12	12	NUM
stem-8543	46	29	90	90	NUM
stem-8543	46	30	description	description	NOUN
stem-8543	46	31	:	:	PUNCT
stem-8543	46	32	table	table	NOUN
stem-8543	46	33	1	1	NUM
stem-8543	46	34	demonstrates	demonstrate	VERB
stem-8543	46	35	that	that	SCONJ
stem-8543	46	36	participants	participant	NOUN
stem-8543	46	37	with	with	ADP
stem-8543	46	38	higher	high	ADJ
stem-8543	46	39	english	english	ADJ
stem-8543	46	40	proficiency	proficiency	NOUN
stem-8543	46	41	levels	level	NOUN
stem-8543	46	42	(	(	PUNCT
stem-8543	46	43	c1	c1	NOUN
stem-8543	46	44	–	–	PUNCT
stem-8543	46	45	b2	b2	NOUN
stem-8543	46	46	)	)	PUNCT
stem-8543	46	47	access	access	NOUN
stem-8543	46	48	technical	technical	ADJ
stem-8543	46	49	resources	resource	NOUN
stem-8543	46	50	and	and	CCONJ
stem-8543	46	51	digital	digital	ADJ
stem-8543	46	52	platforms	platform	NOUN
stem-8543	46	53	more	more	ADV
stem-8543	46	54	actively	actively	ADV
stem-8543	46	55	.	.	PUNCT
stem-8543	47	1	it	it	PRON
stem-8543	47	2	professionals	professional	NOUN
stem-8543	47	3	show	show	VERB
stem-8543	47	4	the	the	DET
stem-8543	47	5	highest	high	ADJ
stem-8543	47	6	usage	usage	NOUN
stem-8543	47	7	,	,	PUNCT
stem-8543	47	8	reflecting	reflect	VERB
stem-8543	47	9	the	the	DET
stem-8543	47	10	necessity	necessity	NOUN
stem-8543	47	11	of	of	ADP
stem-8543	47	12	english	english	PROPN
stem-8543	47	13	for	for	ADP
stem-8543	47	14	coding	coding	NOUN
stem-8543	47	15	,	,	PUNCT
stem-8543	47	16	documentation	documentation	NOUN
stem-8543	47	17	,	,	PUNCT
stem-8543	47	18	and	and	CCONJ
stem-8543	47	19	online	online	ADJ
stem-8543	47	20	collaboration	collaboration	NOUN
stem-8543	47	21	.	.	PUNCT
stem-8543	48	1	figure	figure	NOUN
stem-8543	48	2	1	1	NUM
stem-8543	48	3	:	:	PUNCT
stem-8543	48	4	english	english	ADJ
stem-8543	48	5	language	language	NOUN
stem-8543	48	6	usage	usage	NOUN
stem-8543	48	7	in	in	ADP
stem-8543	48	8	online	online	ADJ
stem-8543	48	9	platforms	platform	NOUN
stem-8543	48	10	(	(	PUNCT
stem-8543	48	11	description	description	NOUN
stem-8543	48	12	:	:	PUNCT
stem-8543	48	13	figure	figure	NOUN
stem-8543	48	14	1	1	NUM
stem-8543	48	15	illustrates	illustrate	VERB
stem-8543	48	16	the	the	DET
stem-8543	48	17	percentage	percentage	NOUN
stem-8543	48	18	of	of	ADP
stem-8543	48	19	participants	participant	NOUN
stem-8543	48	20	using	use	VERB
stem-8543	48	21	english	english	PROPN
stem-8543	48	22	as	as	ADP
stem-8543	48	23	the	the	DET
stem-8543	48	24	primary	primary	ADJ
stem-8543	48	25	language	language	NOUN
stem-8543	48	26	in	in	ADP
stem-8543	48	27	digital	digital	ADJ
stem-8543	48	28	platforms	platform	NOUN
stem-8543	48	29	across	across	ADP
stem-8543	48	30	it	it	PRON
stem-8543	48	31	and	and	CCONJ
stem-8543	48	32	fintech	fintech	NOUN
stem-8543	48	33	domains	domain	NOUN
stem-8543	48	34	.	.	PUNCT
stem-8543	48	35	)	)	PUNCT
stem-8543	48	36	!	!	PUNCT
stem-8543	49	1	[	[	X
stem-8543	49	2	placeholder	placeholder	NOUN
stem-8543	49	3	:	:	PUNCT
stem-8543	49	4	english	english	ADJ
stem-8543	49	5	language	language	NOUN
stem-8543	49	6	usage	usage	NOUN
stem-8543	49	7	figure	figure	NOUN
stem-8543	49	8	]	]	PUNCT
stem-8543	49	9	➢	➢	VERB
stem-8543	49	10	it	it	PRON
stem-8543	49	11	students	student	NOUN
stem-8543	49	12	:	:	PUNCT
stem-8543	49	13	78	78	NUM
stem-8543	49	14	%	%	NOUN
stem-8543	49	15	➢	➢	NOUN
stem-8543	49	16	fintech	fintech	NOUN
stem-8543	49	17	students	student	NOUN
stem-8543	49	18	:	:	PUNCT
stem-8543	49	19	65	65	NUM
stem-8543	49	20	%	%	NOUN
stem-8543	49	21	➢	➢	VERB
stem-8543	49	22	it	it	PRON
stem-8543	49	23	professionals	professional	NOUN
stem-8543	49	24	:	:	PUNCT
stem-8543	49	25	92	92	NUM
stem-8543	49	26	%	%	NOUN
stem-8543	49	27	➢	➢	NOUN
stem-8543	49	28	fintech	fintech	NOUN
stem-8543	49	29	professionals	professional	NOUN
stem-8543	49	30	:	:	PUNCT
stem-8543	49	31	88	88	NUM
stem-8543	49	32	%	%	NOUN
stem-8543	49	33	description	description	NOUN
stem-8543	49	34	:	:	PUNCT
stem-8543	49	35	figure	figure	NOUN
stem-8543	49	36	1	1	NUM
stem-8543	49	37	indicates	indicate	VERB
stem-8543	49	38	that	that	SCONJ
stem-8543	49	39	english	english	PROPN
stem-8543	49	40	is	be	AUX
stem-8543	49	41	predominantly	predominantly	ADV
stem-8543	49	42	used	use	VERB
stem-8543	49	43	across	across	ADP
stem-8543	49	44	all	all	DET
stem-8543	49	45	groups	group	NOUN
stem-8543	49	46	,	,	PUNCT
stem-8543	49	47	especially	especially	ADV
stem-8543	49	48	by	by	ADP
stem-8543	49	49	professionals	professional	NOUN
stem-8543	49	50	,	,	PUNCT
stem-8543	49	51	confirming	confirm	VERB
stem-8543	49	52	its	its	PRON
stem-8543	49	53	critical	critical	ADJ
stem-8543	49	54	role	role	NOUN
stem-8543	49	55	in	in	ADP
stem-8543	49	56	navigating	navigate	VERB
stem-8543	49	57	digital	digital	ADJ
stem-8543	49	58	economic	economic	ADJ
stem-8543	49	59	environments	environment	NOUN
stem-8543	49	60	.	.	PUNCT
stem-8543	50	1	the	the	DET
stem-8543	50	2	data	datum	NOUN
stem-8543	50	3	reveal	reveal	VERB
stem-8543	50	4	that	that	SCONJ
stem-8543	50	5	english	english	ADJ
stem-8543	50	6	proficiency	proficiency	NOUN
stem-8543	50	7	significantly	significantly	ADV
stem-8543	50	8	correlates	correlate	VERB
stem-8543	50	9	with	with	ADP
stem-8543	50	10	the	the	DET
stem-8543	50	11	ability	ability	NOUN
stem-8543	50	12	to	to	PART
stem-8543	50	13	engage	engage	VERB
stem-8543	50	14	effectively	effectively	ADV
stem-8543	50	15	in	in	ADP
stem-8543	50	16	global	global	ADJ
stem-8543	50	17	digital	digital	ADJ
stem-8543	50	18	activities	activity	NOUN
stem-8543	50	19	.	.	PUNCT
stem-8543	51	1	participants	participant	NOUN
stem-8543	51	2	with	with	ADP
stem-8543	51	3	limited	limited	ADJ
stem-8543	51	4	english	english	ADJ
stem-8543	51	5	skills	skill	NOUN
stem-8543	51	6	face	face	VERB
stem-8543	51	7	barriers	barrier	NOUN
stem-8543	51	8	in	in	ADP
stem-8543	51	9	accessing	access	VERB
stem-8543	51	10	advanced	advanced	ADJ
stem-8543	51	11	technical	technical	ADJ
stem-8543	51	12	resources	resource	NOUN
stem-8543	51	13	,	,	PUNCT
stem-8543	51	14	participating	participate	VERB
stem-8543	51	15	in	in	ADP
stem-8543	51	16	online	online	ADJ
stem-8543	51	17	collaborations	collaboration	NOUN
stem-8543	51	18	,	,	PUNCT
stem-8543	51	19	and	and	CCONJ
stem-8543	51	20	comprehending	comprehending	ADJ
stem-8543	51	21	platform	platform	NOUN
stem-8543	51	22	functionalities	functionality	NOUN
stem-8543	51	23	.	.	PUNCT
stem-8543	52	1	discussion	discussion	NOUN
stem-8543	52	2	the	the	DET
stem-8543	52	3	results	result	NOUN
stem-8543	52	4	demonstrate	demonstrate	VERB
stem-8543	52	5	that	that	SCONJ
stem-8543	52	6	english	english	ADJ
stem-8543	52	7	functions	function	NOUN
stem-8543	52	8	as	as	ADP
stem-8543	52	9	a	a	DET
stem-8543	52	10	pivotal	pivotal	ADJ
stem-8543	52	11	tool	tool	NOUN
stem-8543	52	12	in	in	ADP
stem-8543	52	13	the	the	DET
stem-8543	52	14	digital	digital	ADJ
stem-8543	52	15	economy	economy	NOUN
stem-8543	52	16	,	,	PUNCT
stem-8543	52	17	enabling	enable	VERB
stem-8543	52	18	efficient	efficient	ADJ
stem-8543	52	19	participation	participation	NOUN
stem-8543	52	20	in	in	ADP
stem-8543	52	21	it	it	PRON
stem-8543	52	22	,	,	PUNCT
stem-8543	52	23	fintech	fintech	NOUN
stem-8543	52	24	,	,	PUNCT
stem-8543	52	25	and	and	CCONJ
stem-8543	52	26	online	online	ADJ
stem-8543	52	27	economic	economic	ADJ
stem-8543	52	28	platforms	platform	NOUN
stem-8543	52	29	.	.	PUNCT
stem-8543	53	1	high	high	ADJ
stem-8543	53	2	proficiency	proficiency	NOUN
stem-8543	53	3	in	in	ADP
stem-8543	53	4	english	english	PROPN
stem-8543	53	5	correlates	correlate	VERB
stem-8543	53	6	with	with	ADP
stem-8543	53	7	greater	great	ADJ
stem-8543	53	8	engagement	engagement	NOUN
stem-8543	53	9	in	in	ADP
stem-8543	53	10	online	online	ADJ
stem-8543	53	11	platforms	platform	NOUN
stem-8543	53	12	,	,	PUNCT
stem-8543	53	13	more	more	ADV
stem-8543	53	14	frequent	frequent	ADJ
stem-8543	53	15	use	use	NOUN
stem-8543	53	16	of	of	ADP
stem-8543	53	17	technical	technical	ADJ
stem-8543	53	18	resources	resource	NOUN
stem-8543	53	19	,	,	PUNCT
stem-8543	53	20	and	and	CCONJ
stem-8543	53	21	higher	high	ADJ
stem-8543	53	22	professional	professional	ADJ
stem-8543	53	23	competence	competence	NOUN
stem-8543	53	24	[	[	X
stem-8543	53	25	9	9	NUM
stem-8543	53	26	]	]	PUNCT
stem-8543	53	27	.	.	PUNCT
stem-8543	54	1	it	it	PRON
stem-8543	54	2	professionals	professional	NOUN
stem-8543	54	3	,	,	PUNCT
stem-8543	54	4	for	for	ADP
stem-8543	54	5	instance	instance	NOUN
stem-8543	54	6	,	,	PUNCT
stem-8543	54	7	exhibit	exhibit	VERB
stem-8543	54	8	the	the	DET
stem-8543	54	9	highest	high	ADJ
stem-8543	54	10	usage	usage	NOUN
stem-8543	54	11	of	of	ADP
stem-8543	54	12	english	english	ADJ
stem-8543	54	13	-	-	PUNCT
stem-8543	54	14	language	language	NOUN
stem-8543	54	15	platforms	platform	NOUN
stem-8543	54	16	,	,	PUNCT
stem-8543	54	17	confirming	confirm	VERB
stem-8543	54	18	that	that	SCONJ
stem-8543	54	19	coding	coding	NOUN
stem-8543	54	20	,	,	PUNCT
stem-8543	54	21	documentation	documentation	NOUN
stem-8543	54	22	,	,	PUNCT
stem-8543	54	23	and	and	CCONJ
stem-8543	54	24	collaborative	collaborative	ADJ
stem-8543	54	25	projects	project	NOUN
stem-8543	54	26	are	be	AUX
stem-8543	54	27	deeply	deeply	ADV
stem-8543	54	28	integrated	integrate	VERB
stem-8543	54	29	with	with	ADP
stem-8543	54	30	english	english	ADJ
stem-8543	54	31	literacy	literacy	NOUN
stem-8543	54	32	.	.	PUNCT
stem-8543	55	1	the	the	DET
stem-8543	55	2	findings	finding	NOUN
stem-8543	55	3	align	align	VERB
stem-8543	55	4	with	with	ADP
stem-8543	55	5	existing	exist	VERB
stem-8543	55	6	literature	literature	NOUN
stem-8543	55	7	emphasizing	emphasize	VERB
stem-8543	55	8	the	the	DET
stem-8543	55	9	role	role	NOUN
stem-8543	55	10	of	of	ADP
stem-8543	55	11	english	english	PROPN
stem-8543	55	12	as	as	ADP
stem-8543	55	13	a	a	DET
stem-8543	55	14	lingua	lingua	X
stem-8543	55	15	franca	franca	NOUN
stem-8543	55	16	in	in	ADP
stem-8543	55	17	global	global	ADJ
stem-8543	55	18	technology	technology	NOUN
stem-8543	55	19	sectors	sector	NOUN
stem-8543	55	20	[	[	X
stem-8543	55	21	10	10	NUM
stem-8543	55	22	]	]	PUNCT
stem-8543	55	23	.	.	PUNCT
stem-8543	56	1	according	accord	VERB
stem-8543	56	2	to	to	ADP
stem-8543	56	3	crystal	crystal	PROPN
stem-8543	56	4	,	,	PUNCT
stem-8543	56	5	english	english	PROPN
stem-8543	56	6	has	have	AUX
stem-8543	56	7	become	become	VERB
stem-8543	56	8	the	the	DET
stem-8543	56	9	default	default	NOUN
stem-8543	56	10	medium	medium	NOUN
stem-8543	56	11	for	for	ADP
stem-8543	56	12	knowledge	knowledge	NOUN
stem-8543	56	13	dissemination	dissemination	NOUN
stem-8543	56	14	,	,	PUNCT
stem-8543	56	15	programming	programming	NOUN
stem-8543	56	16	,	,	PUNCT
stem-8543	56	17	and	and	CCONJ
stem-8543	56	18	professional	professional	ADJ
stem-8543	56	19	networking	networking	NOUN
stem-8543	56	20	,	,	PUNCT
stem-8543	56	21	reinforcing	reinforce	VERB
stem-8543	56	22	its	its	PRON
stem-8543	56	23	indispensability	indispensability	NOUN
stem-8543	56	24	in	in	ADP
stem-8543	56	25	digital	digital	ADJ
stem-8543	56	26	economic	economic	ADJ
stem-8543	56	27	contexts	context	NOUN
stem-8543	56	28	.	.	PUNCT
stem-8543	57	1	similarly	similarly	ADV
stem-8543	57	2	,	,	PUNCT
stem-8543	57	3	tapscott	tapscott	NOUN
stem-8543	57	4	highlights	highlight	NOUN
stem-8543	57	5	that	that	PRON
stem-8543	57	6	access	access	NOUN
stem-8543	57	7	to	to	ADP
stem-8543	57	8	global	global	ADJ
stem-8543	57	9	platforms	platform	NOUN
stem-8543	57	10	and	and	CCONJ
stem-8543	57	11	digital	digital	ADJ
stem-8543	57	12	innovation	innovation	NOUN
stem-8543	57	13	is	be	AUX
stem-8543	57	14	mediated	mediate	VERB
stem-8543	57	15	through	through	ADP
stem-8543	57	16	english	english	ADJ
stem-8543	57	17	proficiency	proficiency	NOUN
stem-8543	57	18	,	,	PUNCT
stem-8543	57	19	enabling	enable	VERB
stem-8543	57	20	participants	participant	NOUN
stem-8543	57	21	to	to	PART
stem-8543	57	22	adopt	adopt	VERB
stem-8543	57	23	new	new	ADJ
stem-8543	57	24	technologies	technology	NOUN
stem-8543	57	25	,	,	PUNCT
stem-8543	57	26	share	share	NOUN
stem-8543	57	27	knowledge	knowledge	NOUN
stem-8543	57	28	,	,	PUNCT
stem-8543	57	29	and	and	CCONJ
stem-8543	57	30	contribute	contribute	VERB
stem-8543	57	31	to	to	ADP
stem-8543	57	32	international	international	ADJ
stem-8543	57	33	projects	project	NOUN
stem-8543	57	34	.	.	PUNCT
stem-8543	58	1	in	in	ADP
stem-8543	58	2	fintech	fintech	NOUN
stem-8543	58	3	,	,	PUNCT
stem-8543	58	4	english	english	PROPN
stem-8543	58	5	facilitates	facilitate	VERB
stem-8543	58	6	cross	cross	ADJ
stem-8543	58	7	-	-	ADJ
stem-8543	58	8	border	border	ADJ
stem-8543	58	9	transactions	transaction	NOUN
stem-8543	58	10	,	,	PUNCT
stem-8543	58	11	online	online	ADJ
stem-8543	58	12	banking	banking	NOUN
stem-8543	58	13	operations	operation	NOUN
stem-8543	58	14	,	,	PUNCT
stem-8543	58	15	and	and	CCONJ
stem-8543	58	16	international	international	ADJ
stem-8543	58	17	investment	investment	NOUN
stem-8543	58	18	opportunities	opportunity	NOUN
stem-8543	58	19	.	.	PUNCT
stem-8543	59	1	participants	participant	NOUN
stem-8543	59	2	with	with	ADP
stem-8543	59	3	b2	b2	NOUN
stem-8543	59	4	–	–	PUNCT
stem-8543	59	5	c1	c1	NOUN
stem-8543	59	6	proficiency	proficiency	NOUN
stem-8543	59	7	levels	level	NOUN
stem-8543	59	8	were	be	AUX
stem-8543	59	9	more	more	ADV
stem-8543	59	10	adept	adept	ADJ
stem-8543	59	11	at	at	ADP
stem-8543	59	12	navigating	navigate	VERB
stem-8543	59	13	platforms	platform	NOUN
stem-8543	59	14	like	like	ADP
stem-8543	59	15	paypal	paypal	NOUN
stem-8543	59	16	,	,	PUNCT
stem-8543	59	17	stripe	stripe	NOUN
stem-8543	59	18	,	,	PUNCT
stem-8543	59	19	and	and	CCONJ
stem-8543	59	20	blockchain	blockchain	NOUN
stem-8543	59	21	-	-	PUNCT
stem-8543	59	22	based	base	VERB
stem-8543	59	23	services	service	NOUN
stem-8543	59	24	,	,	PUNCT
stem-8543	59	25	underscoring	underscore	VERB
stem-8543	59	26	the	the	DET
stem-8543	59	27	functional	functional	ADJ
stem-8543	59	28	importance	importance	NOUN
stem-8543	59	29	of	of	ADP
stem-8543	59	30	english	english	PROPN
stem-8543	59	31	in	in	ADP
stem-8543	59	32	professional	professional	ADJ
stem-8543	59	33	tasks	task	NOUN
stem-8543	59	34	[	[	X
stem-8543	59	35	11	11	NUM
stem-8543	59	36	]	]	PUNCT
stem-8543	59	37	.	.	PUNCT
stem-8543	60	1	those	those	PRON
stem-8543	60	2	with	with	ADP
stem-8543	60	3	lower	low	ADJ
stem-8543	60	4	proficiency	proficiency	NOUN
stem-8543	60	5	(	(	PUNCT
stem-8543	60	6	b1	b1	PROPN
stem-8543	60	7	)	)	PUNCT
stem-8543	60	8	encountered	encounter	VERB
stem-8543	60	9	difficulties	difficulty	NOUN
stem-8543	60	10	in	in	ADP
stem-8543	60	11	understanding	understand	VERB
stem-8543	60	12	technical	technical	ADJ
stem-8543	60	13	documentation	documentation	NOUN
stem-8543	60	14	,	,	PUNCT
stem-8543	60	15	user	user	NOUN
stem-8543	60	16	interfaces	interface	NOUN
stem-8543	60	17	,	,	PUNCT
stem-8543	60	18	and	and	CCONJ
stem-8543	60	19	financial	financial	ADJ
stem-8543	60	20	terminologies	terminology	NOUN
stem-8543	60	21	,	,	PUNCT
stem-8543	60	22	suggesting	suggest	VERB
stem-8543	60	23	that	that	SCONJ
stem-8543	60	24	limited	limited	ADJ
stem-8543	60	25	language	language	NOUN
stem-8543	60	26	skills	skill	NOUN
stem-8543	60	27	may	may	AUX
stem-8543	60	28	hinder	hinder	VERB
stem-8543	60	29	career	career	NOUN
stem-8543	60	30	development	development	NOUN
stem-8543	60	31	and	and	CCONJ
stem-8543	60	32	digital	digital	ADJ
stem-8543	60	33	literacy	literacy	NOUN
stem-8543	61	1	[	[	X
stem-8543	61	2	12	12	NUM
stem-8543	61	3	]	]	PUNCT
stem-8543	61	4	,	,	PUNCT
stem-8543	61	5	[	[	X
stem-8543	61	6	13	13	NUM
stem-8543	61	7	]	]	PUNCT
stem-8543	61	8	.	.	PUNCT
stem-8543	62	1	the	the	DET
stem-8543	62	2	study	study	NOUN
stem-8543	62	3	also	also	ADV
stem-8543	62	4	highlights	highlight	VERB
stem-8543	62	5	the	the	DET
stem-8543	62	6	pedagogical	pedagogical	ADJ
stem-8543	62	7	implications	implication	NOUN
stem-8543	62	8	for	for	ADP
stem-8543	62	9	higher	high	ADJ
stem-8543	62	10	education	education	NOUN
stem-8543	62	11	.	.	PUNCT
stem-8543	63	1	integrating	integrate	VERB
stem-8543	63	2	english	english	ADJ
stem-8543	63	3	language	language	NOUN
stem-8543	63	4	training	training	NOUN
stem-8543	63	5	with	with	ADP
stem-8543	63	6	it	it	PRON
stem-8543	63	7	and	and	CCONJ
stem-8543	63	8	fintech	fintech	NOUN
stem-8543	63	9	curricula	curricula	NOUN
stem-8543	63	10	can	can	AUX
stem-8543	63	11	bridge	bridge	VERB
stem-8543	63	12	the	the	DET
stem-8543	63	13	gap	gap	NOUN
stem-8543	63	14	between	between	ADP
stem-8543	63	15	technical	technical	ADJ
stem-8543	63	16	competence	competence	NOUN
stem-8543	63	17	and	and	CCONJ
stem-8543	63	18	communicative	communicative	ADJ
stem-8543	63	19	ability	ability	NOUN
stem-8543	63	20	.	.	PUNCT
stem-8543	64	1	universities	university	NOUN
stem-8543	64	2	that	that	PRON
stem-8543	64	3	incorporate	incorporate	VERB
stem-8543	64	4	english	english	PROPN
stem-8543	64	5	for	for	ADP
stem-8543	64	6	specific	specific	ADJ
stem-8543	64	7	purposes	purpose	NOUN
stem-8543	64	8	(	(	PUNCT
stem-8543	64	9	esp	esp	ADJ
stem-8543	64	10	)	)	PUNCT
stem-8543	64	11	courses	course	NOUN
stem-8543	64	12	,	,	PUNCT
stem-8543	64	13	coding	code	VERB
stem-8543	64	14	tutorials	tutorial	NOUN
stem-8543	64	15	in	in	ADP
stem-8543	64	16	english	english	PROPN
stem-8543	64	17	,	,	PUNCT
stem-8543	64	18	and	and	CCONJ
stem-8543	64	19	platform	platform	NOUN
stem-8543	64	20	-	-	PUNCT
stem-8543	64	21	based	base	VERB
stem-8543	64	22	simulations	simulation	NOUN
stem-8543	64	23	help	help	VERB
stem-8543	64	24	students	student	NOUN
stem-8543	64	25	acquire	acquire	VERB
stem-8543	64	26	both	both	CCONJ
stem-8543	64	27	linguistic	linguistic	ADJ
stem-8543	64	28	and	and	CCONJ
stem-8543	64	29	technical	technical	ADJ
stem-8543	64	30	competencies	competency	NOUN
stem-8543	64	31	simultaneously	simultaneously	ADV
stem-8543	64	32	[	[	X
stem-8543	64	33	14	14	NUM
stem-8543	64	34	]	]	PUNCT
stem-8543	64	35	.	.	PUNCT
stem-8543	65	1	this	this	DET
stem-8543	65	2	integrated	integrate	VERB
stem-8543	65	3	approach	approach	NOUN
stem-8543	65	4	fosters	foster	VERB
stem-8543	65	5	employability	employability	NOUN
stem-8543	65	6	,	,	PUNCT
stem-8543	65	7	global	global	ADJ
stem-8543	65	8	collaboration	collaboration	NOUN
stem-8543	65	9	,	,	PUNCT
stem-8543	65	10	and	and	CCONJ
stem-8543	65	11	innovation	innovation	NOUN
stem-8543	65	12	readiness	readiness	NOUN
stem-8543	65	13	[	[	X
stem-8543	65	14	15	15	NUM
stem-8543	65	15	]	]	SYM
stem-8543	65	16	.	.	PUNCT
stem-8543	66	1	500	500	NUM
stem-8543	66	2	american	american	ADJ
stem-8543	66	3	journal	journal	PROPN
stem-8543	66	4	of	of	ADP
stem-8543	66	5	language	language	NOUN
stem-8543	66	6	,	,	PUNCT
stem-8543	66	7	literacy	literacy	NOUN
stem-8543	66	8	and	and	CCONJ
stem-8543	66	9	learning	learn	VERB
stem-8543	66	10	in	in	ADP
stem-8543	66	11	stem	stem	NOUN
stem-8543	66	12	education	education	NOUN
stem-8543	66	13	www	www	PROPN
stem-8543	66	14	.	.	PUNCT
stem-8543	67	1	grnjournal.us	grnjournal.us	X
stem-8543	67	2	conclusion	conclusion	NOUN
stem-8543	67	3	this	this	DET
stem-8543	67	4	study	study	NOUN
stem-8543	67	5	highlights	highlight	VERB
stem-8543	67	6	the	the	DET
stem-8543	67	7	critical	critical	ADJ
stem-8543	67	8	role	role	NOUN
stem-8543	67	9	of	of	ADP
stem-8543	67	10	english	english	ADJ
stem-8543	67	11	language	language	NOUN
stem-8543	67	12	proficiency	proficiency	NOUN
stem-8543	67	13	in	in	ADP
stem-8543	67	14	the	the	DET
stem-8543	67	15	digital	digital	ADJ
stem-8543	67	16	economy	economy	NOUN
stem-8543	67	17	,	,	PUNCT
stem-8543	67	18	particularly	particularly	ADV
stem-8543	67	19	in	in	ADP
stem-8543	67	20	it	it	PRON
stem-8543	67	21	,	,	PUNCT
stem-8543	67	22	fintech	fintech	NOUN
stem-8543	67	23	,	,	PUNCT
stem-8543	67	24	and	and	CCONJ
stem-8543	67	25	online	online	ADJ
stem-8543	67	26	economic	economic	ADJ
stem-8543	67	27	platforms	platform	NOUN
stem-8543	67	28	.	.	PUNCT
stem-8543	68	1	the	the	DET
stem-8543	68	2	results	result	NOUN
stem-8543	68	3	demonstrate	demonstrate	VERB
stem-8543	68	4	a	a	DET
stem-8543	68	5	clear	clear	ADJ
stem-8543	68	6	correlation	correlation	NOUN
stem-8543	68	7	between	between	ADP
stem-8543	68	8	english	english	ADJ
stem-8543	68	9	skills	skill	NOUN
stem-8543	68	10	and	and	CCONJ
stem-8543	68	11	participants	participant	NOUN
stem-8543	68	12	’	'	PUNCT
stem-8543	68	13	ability	ability	NOUN
stem-8543	68	14	to	to	PART
stem-8543	68	15	access	access	VERB
stem-8543	68	16	technical	technical	ADJ
stem-8543	68	17	resources	resource	NOUN
stem-8543	68	18	,	,	PUNCT
stem-8543	68	19	navigate	navigate	VERB
stem-8543	68	20	global	global	ADJ
stem-8543	68	21	platforms	platform	NOUN
stem-8543	68	22	,	,	PUNCT
stem-8543	68	23	and	and	CCONJ
stem-8543	68	24	perform	perform	VERB
stem-8543	68	25	professional	professional	ADJ
stem-8543	68	26	tasks	task	NOUN
stem-8543	68	27	efficiently	efficiently	ADV
stem-8543	68	28	.	.	PUNCT
stem-8543	69	1	it	it	PRON
stem-8543	69	2	and	and	CCONJ
stem-8543	69	3	fintech	fintech	NOUN
stem-8543	69	4	professionals	professional	NOUN
stem-8543	69	5	with	with	ADP
stem-8543	69	6	higher	high	ADJ
stem-8543	69	7	english	english	ADJ
stem-8543	69	8	proficiency	proficiency	NOUN
stem-8543	69	9	levels	level	NOUN
stem-8543	69	10	exhibited	exhibit	VERB
stem-8543	69	11	the	the	DET
stem-8543	69	12	highest	high	ADJ
stem-8543	69	13	engagement	engagement	NOUN
stem-8543	69	14	with	with	ADP
stem-8543	69	15	digital	digital	ADJ
stem-8543	69	16	platforms	platform	NOUN
stem-8543	69	17	,	,	PUNCT
stem-8543	69	18	confirming	confirm	VERB
stem-8543	69	19	that	that	SCONJ
stem-8543	69	20	english	english	PROPN
stem-8543	69	21	is	be	AUX
stem-8543	69	22	indispensable	indispensable	ADJ
stem-8543	69	23	for	for	ADP
stem-8543	69	24	coding	coding	NOUN
stem-8543	69	25	,	,	PUNCT
stem-8543	69	26	documentation	documentation	NOUN
stem-8543	69	27	,	,	PUNCT
stem-8543	69	28	financial	financial	ADJ
stem-8543	69	29	operations	operation	NOUN
stem-8543	69	30	,	,	PUNCT
stem-8543	69	31	and	and	CCONJ
stem-8543	69	32	cross	cross	ADJ
stem-8543	69	33	-	-	ADJ
stem-8543	69	34	border	border	ADJ
stem-8543	69	35	collaboration	collaboration	NOUN
stem-8543	69	36	.	.	PUNCT
stem-8543	70	1	the	the	DET
stem-8543	70	2	research	research	NOUN
stem-8543	70	3	underscores	underscore	VERB
stem-8543	70	4	the	the	DET
stem-8543	70	5	pedagogical	pedagogical	ADJ
stem-8543	70	6	significance	significance	NOUN
stem-8543	70	7	of	of	ADP
stem-8543	70	8	integrating	integrate	VERB
stem-8543	70	9	english	english	ADJ
stem-8543	70	10	language	language	NOUN
stem-8543	70	11	training	training	NOUN
stem-8543	70	12	with	with	ADP
stem-8543	70	13	technical	technical	ADJ
stem-8543	70	14	education	education	NOUN
stem-8543	70	15	.	.	PUNCT
stem-8543	71	1	combining	combine	VERB
stem-8543	71	2	language	language	NOUN
stem-8543	71	3	skills	skill	NOUN
stem-8543	71	4	with	with	ADP
stem-8543	71	5	it	it	PRON
stem-8543	71	6	and	and	CCONJ
stem-8543	71	7	fintech	fintech	NOUN
stem-8543	71	8	curricula	curricula	NOUN
stem-8543	71	9	enhances	enhance	VERB
stem-8543	71	10	employability	employability	NOUN
stem-8543	71	11	,	,	PUNCT
stem-8543	71	12	professional	professional	ADJ
stem-8543	71	13	competence	competence	NOUN
stem-8543	71	14	,	,	PUNCT
stem-8543	71	15	and	and	CCONJ
stem-8543	71	16	global	global	ADJ
stem-8543	71	17	market	market	NOUN
stem-8543	71	18	readiness	readiness	NOUN
stem-8543	71	19	.	.	PUNCT
stem-8543	72	1	participants	participant	NOUN
stem-8543	72	2	with	with	ADP
stem-8543	72	3	limited	limited	ADJ
stem-8543	72	4	english	english	ADJ
stem-8543	72	5	proficiency	proficiency	NOUN
stem-8543	72	6	faced	face	VERB
stem-8543	72	7	barriers	barrier	NOUN
stem-8543	72	8	in	in	ADP
stem-8543	72	9	comprehending	comprehending	ADJ
stem-8543	72	10	technical	technical	ADJ
stem-8543	72	11	documentation	documentation	NOUN
stem-8543	72	12	,	,	PUNCT
stem-8543	72	13	utilizing	utilize	VERB
stem-8543	72	14	platform	platform	NOUN
stem-8543	72	15	functionalities	functionality	NOUN
stem-8543	72	16	,	,	PUNCT
stem-8543	72	17	and	and	CCONJ
stem-8543	72	18	participating	participate	VERB
stem-8543	72	19	in	in	ADP
stem-8543	72	20	international	international	ADJ
stem-8543	72	21	digital	digital	ADJ
stem-8543	72	22	networks	network	NOUN
stem-8543	72	23	,	,	PUNCT
stem-8543	72	24	which	which	PRON
stem-8543	72	25	may	may	AUX
stem-8543	72	26	restrict	restrict	VERB
stem-8543	72	27	their	their	PRON
stem-8543	72	28	professional	professional	ADJ
stem-8543	72	29	growth	growth	NOUN
stem-8543	72	30	and	and	CCONJ
stem-8543	72	31	innovation	innovation	NOUN
stem-8543	72	32	capacity	capacity	NOUN
stem-8543	72	33	.	.	PUNCT
stem-8543	73	1	from	from	ADP
stem-8543	73	2	a	a	DET
stem-8543	73	3	theoretical	theoretical	ADJ
stem-8543	73	4	perspective	perspective	NOUN
stem-8543	73	5	,	,	PUNCT
stem-8543	73	6	this	this	DET
stem-8543	73	7	study	study	NOUN
stem-8543	73	8	contributes	contribute	VERB
stem-8543	73	9	to	to	ADP
stem-8543	73	10	the	the	DET
stem-8543	73	11	understanding	understanding	NOUN
stem-8543	73	12	of	of	ADP
stem-8543	73	13	language	language	NOUN
stem-8543	73	14	as	as	ADP
stem-8543	73	15	a	a	DET
stem-8543	73	16	functional	functional	ADJ
stem-8543	73	17	tool	tool	NOUN
stem-8543	73	18	in	in	ADP
stem-8543	73	19	digital	digital	ADJ
stem-8543	73	20	economic	economic	ADJ
stem-8543	73	21	participation	participation	NOUN
stem-8543	73	22	.	.	PUNCT
stem-8543	74	1	english	english	PROPN
stem-8543	74	2	is	be	AUX
stem-8543	74	3	not	not	PART
stem-8543	74	4	only	only	ADV
stem-8543	74	5	a	a	DET
stem-8543	74	6	medium	medium	NOUN
stem-8543	74	7	of	of	ADP
stem-8543	74	8	communication	communication	NOUN
stem-8543	74	9	but	but	CCONJ
stem-8543	74	10	also	also	ADV
stem-8543	74	11	a	a	DET
stem-8543	74	12	conduit	conduit	NOUN
stem-8543	74	13	for	for	ADP
stem-8543	74	14	knowledge	knowledge	NOUN
stem-8543	74	15	transfer	transfer	NOUN
stem-8543	74	16	,	,	PUNCT
stem-8543	74	17	innovation	innovation	NOUN
stem-8543	74	18	adoption	adoption	NOUN
stem-8543	74	19	,	,	PUNCT
stem-8543	74	20	and	and	CCONJ
stem-8543	74	21	economic	economic	ADJ
stem-8543	74	22	mobility	mobility	NOUN
stem-8543	74	23	.	.	PUNCT
stem-8543	75	1	the	the	DET
stem-8543	75	2	findings	finding	NOUN
stem-8543	75	3	suggest	suggest	VERB
stem-8543	75	4	that	that	SCONJ
stem-8543	75	5	linguistic	linguistic	ADJ
stem-8543	75	6	competence	competence	NOUN
stem-8543	75	7	is	be	AUX
stem-8543	75	8	intrinsically	intrinsically	ADV
stem-8543	75	9	linked	link	VERB
stem-8543	75	10	with	with	ADP
stem-8543	75	11	technological	technological	ADJ
stem-8543	75	12	proficiency	proficiency	NOUN
stem-8543	75	13	and	and	CCONJ
stem-8543	75	14	professional	professional	ADJ
stem-8543	75	15	performance	performance	NOUN
stem-8543	75	16	in	in	ADP
stem-8543	75	17	digital	digital	ADJ
stem-8543	75	18	sectors	sector	NOUN
stem-8543	75	19	.	.	PUNCT
stem-8543	76	1	policy	policy	NOUN
stem-8543	76	2	implications	implication	NOUN
stem-8543	76	3	include	include	VERB
stem-8543	76	4	the	the	DET
stem-8543	76	5	need	need	NOUN
stem-8543	76	6	for	for	ADP
stem-8543	76	7	national	national	ADJ
stem-8543	76	8	strategies	strategy	NOUN
stem-8543	76	9	to	to	PART
stem-8543	76	10	integrate	integrate	VERB
stem-8543	76	11	english	english	ADJ
stem-8543	76	12	language	language	NOUN
stem-8543	76	13	education	education	NOUN
stem-8543	76	14	with	with	ADP
stem-8543	76	15	digital	digital	ADJ
stem-8543	76	16	skills	skill	NOUN
stem-8543	76	17	development	development	NOUN
stem-8543	76	18	.	.	PUNCT
stem-8543	77	1	governments	government	NOUN
stem-8543	77	2	,	,	PUNCT
stem-8543	77	3	universities	university	NOUN
stem-8543	77	4	,	,	PUNCT
stem-8543	77	5	and	and	CCONJ
stem-8543	77	6	professional	professional	ADJ
stem-8543	77	7	organizations	organization	NOUN
stem-8543	77	8	should	should	AUX
stem-8543	77	9	implement	implement	VERB
stem-8543	77	10	training	training	NOUN
stem-8543	77	11	programs	program	NOUN
stem-8543	77	12	that	that	PRON
stem-8543	77	13	foster	foster	VERB
stem-8543	77	14	both	both	CCONJ
stem-8543	77	15	linguistic	linguistic	ADJ
stem-8543	77	16	and	and	CCONJ
stem-8543	77	17	technical	technical	ADJ
stem-8543	77	18	competencies	competency	NOUN
stem-8543	77	19	.	.	PUNCT
stem-8543	78	1	such	such	DET
stem-8543	78	2	an	an	DET
stem-8543	78	3	approach	approach	NOUN
stem-8543	78	4	ensures	ensure	VERB
stem-8543	78	5	equitable	equitable	ADJ
stem-8543	78	6	access	access	NOUN
stem-8543	78	7	to	to	ADP
stem-8543	78	8	global	global	ADJ
stem-8543	78	9	digital	digital	ADJ
stem-8543	78	10	markets	market	NOUN
stem-8543	78	11	and	and	CCONJ
stem-8543	78	12	enhances	enhance	VERB
stem-8543	78	13	the	the	DET
stem-8543	78	14	overall	overall	ADJ
stem-8543	78	15	competitiveness	competitiveness	NOUN
stem-8543	78	16	of	of	ADP
stem-8543	78	17	the	the	DET
stem-8543	78	18	workforce	workforce	NOUN
stem-8543	78	19	.	.	PUNCT
stem-8543	79	1	in	in	ADP
stem-8543	79	2	conclusion	conclusion	NOUN
stem-8543	79	3	,	,	PUNCT
stem-8543	79	4	the	the	DET
stem-8543	79	5	study	study	NOUN
stem-8543	79	6	reaffirms	reaffirm	VERB
stem-8543	79	7	that	that	SCONJ
stem-8543	79	8	english	english	ADJ
stem-8543	79	9	proficiency	proficiency	NOUN
stem-8543	79	10	is	be	AUX
stem-8543	79	11	a	a	DET
stem-8543	79	12	strategic	strategic	ADJ
stem-8543	79	13	enabler	enabler	NOUN
stem-8543	79	14	in	in	ADP
stem-8543	79	15	the	the	DET
stem-8543	79	16	digital	digital	ADJ
stem-8543	79	17	economy	economy	NOUN
stem-8543	79	18	.	.	PUNCT
stem-8543	80	1	its	its	PRON
stem-8543	80	2	integration	integration	NOUN
stem-8543	80	3	into	into	ADP
stem-8543	80	4	education	education	NOUN
stem-8543	80	5	,	,	PUNCT
stem-8543	80	6	professional	professional	ADJ
stem-8543	80	7	development	development	NOUN
stem-8543	80	8	,	,	PUNCT
stem-8543	80	9	and	and	CCONJ
stem-8543	80	10	platform	platform	NOUN
stem-8543	80	11	design	design	NOUN
stem-8543	80	12	is	be	AUX
stem-8543	80	13	essential	essential	ADJ
stem-8543	80	14	for	for	ADP
stem-8543	80	15	maximizing	maximize	VERB
stem-8543	80	16	participation	participation	NOUN
stem-8543	80	17	,	,	PUNCT
stem-8543	80	18	innovation	innovation	NOUN
stem-8543	80	19	,	,	PUNCT
stem-8543	80	20	and	and	CCONJ
stem-8543	80	21	economic	economic	ADJ
stem-8543	80	22	growth	growth	NOUN
stem-8543	80	23	.	.	PUNCT
stem-8543	81	1	addressing	address	VERB
stem-8543	81	2	language	language	NOUN
stem-8543	81	3	barriers	barrier	NOUN
stem-8543	81	4	will	will	AUX
stem-8543	81	5	contribute	contribute	VERB
stem-8543	81	6	to	to	ADP
stem-8543	81	7	a	a	DET
stem-8543	81	8	more	more	ADV
stem-8543	81	9	inclusive	inclusive	ADJ
stem-8543	81	10	,	,	PUNCT
stem-8543	81	11	efficient	efficient	ADJ
stem-8543	81	12	,	,	PUNCT
stem-8543	81	13	and	and	CCONJ
stem-8543	81	14	globally	globally	ADV
stem-8543	81	15	connected	connect	VERB
stem-8543	81	16	digital	digital	ADJ
stem-8543	81	17	economy	economy	NOUN
stem-8543	81	18	,	,	PUNCT
stem-8543	81	19	enabling	enable	VERB
stem-8543	81	20	individuals	individual	NOUN
stem-8543	81	21	and	and	CCONJ
stem-8543	81	22	organizations	organization	NOUN
stem-8543	81	23	to	to	PART
stem-8543	81	24	fully	fully	ADV
stem-8543	81	25	capitalize	capitalize	VERB
stem-8543	81	26	on	on	ADP
stem-8543	81	27	the	the	DET
stem-8543	81	28	opportunities	opportunity	NOUN
stem-8543	81	29	offered	offer	VERB
stem-8543	81	30	by	by	ADP
stem-8543	81	31	it	it	PRON
stem-8543	81	32	,	,	PUNCT
stem-8543	81	33	fintech	fintech	NOUN
stem-8543	81	34	,	,	PUNCT
stem-8543	81	35	and	and	CCONJ
stem-8543	81	36	online	online	ADJ
stem-8543	81	37	economic	economic	ADJ
stem-8543	81	38	platforms	platform	NOUN
stem-8543	81	39	.	.	PUNCT
stem-8543	82	1	references	reference	NOUN
stem-8543	82	2	1	1	NUM
stem-8543	82	3	.	.	PUNCT
stem-8543	82	4	n.	n.	PROPN
stem-8543	82	5	tapscott	tapscott	PROPN
stem-8543	82	6	,	,	PUNCT
stem-8543	82	7	the	the	DET
stem-8543	82	8	digital	digital	ADJ
stem-8543	82	9	economy	economy	NOUN
stem-8543	82	10	:	:	PUNCT
stem-8543	82	11	promise	promise	VERB
stem-8543	82	12	and	and	CCONJ
stem-8543	82	13	peril	peril	NOUN
stem-8543	82	14	in	in	ADP
stem-8543	82	15	the	the	DET
stem-8543	82	16	age	age	NOUN
stem-8543	82	17	of	of	ADP
stem-8543	82	18	networked	networked	ADJ
stem-8543	82	19	intelligence	intelligence	NOUN
stem-8543	82	20	,	,	PUNCT
stem-8543	82	21	new	new	PROPN
stem-8543	82	22	york	york	PROPN
stem-8543	82	23	:	:	PUNCT
stem-8543	82	24	mcgraw	mcgraw	PROPN
stem-8543	82	25	-	-	PUNCT
stem-8543	82	26	hill	hill	NOUN
stem-8543	82	27	,	,	PUNCT
stem-8543	82	28	2015	2015	NUM
stem-8543	82	29	.	.	PUNCT
stem-8543	83	1	2	2	X
stem-8543	83	2	.	.	X
stem-8543	83	3	d.	d.	PROPN
stem-8543	83	4	crystal	crystal	PROPN
stem-8543	83	5	,	,	PUNCT
stem-8543	83	6	english	english	PROPN
stem-8543	83	7	as	as	ADP
stem-8543	83	8	a	a	DET
stem-8543	83	9	global	global	ADJ
stem-8543	83	10	language	language	NOUN
stem-8543	83	11	,	,	PUNCT
stem-8543	83	12	3rd	3rd	ADJ
stem-8543	83	13	ed	ed	NOUN
stem-8543	83	14	.	.	PROPN
stem-8543	83	15	,	,	PUNCT
stem-8543	83	16	cambridge	cambridge	PROPN
stem-8543	83	17	:	:	PUNCT
stem-8543	83	18	cambridge	cambridge	PROPN
stem-8543	83	19	university	university	PROPN
stem-8543	83	20	press	press	NOUN
stem-8543	83	21	,	,	PUNCT
stem-8543	83	22	2012	2012	NUM
stem-8543	83	23	.	.	PUNCT
stem-8543	84	1	3	3	X
stem-8543	84	2	.	.	PUNCT
stem-8543	84	3	p.	p.	NOUN
stem-8543	84	4	evans	evans	PROPN
stem-8543	84	5	and	and	CCONJ
stem-8543	84	6	t.	t.	PROPN
stem-8543	84	7	wurster	wurster	PROPN
stem-8543	84	8	,	,	PUNCT
stem-8543	84	9	blown	blow	VERB
stem-8543	84	10	to	to	PART
stem-8543	84	11	bits	bit	NOUN
stem-8543	84	12	:	:	PUNCT
stem-8543	84	13	how	how	SCONJ
stem-8543	84	14	the	the	DET
stem-8543	84	15	new	new	ADJ
stem-8543	84	16	economics	economic	NOUN
stem-8543	84	17	of	of	ADP
stem-8543	84	18	information	information	NOUN
stem-8543	84	19	transforms	transform	VERB
stem-8543	84	20	strategy	strategy	NOUN
stem-8543	84	21	,	,	PUNCT
stem-8543	84	22	boston	boston	PROPN
stem-8543	84	23	:	:	PUNCT
stem-8543	84	24	harvard	harvard	PROPN
stem-8543	84	25	business	business	PROPN
stem-8543	84	26	school	school	PROPN
stem-8543	84	27	press	press	NOUN
stem-8543	84	28	,	,	PUNCT
stem-8543	84	29	2000	2000	NUM
stem-8543	84	30	.	.	PUNCT
stem-8543	85	1	4	4	X
stem-8543	85	2	.	.	X
stem-8543	85	3	s.	s.	PROPN
stem-8543	85	4	nakamoto	nakamoto	PROPN
stem-8543	85	5	,	,	PUNCT
stem-8543	85	6	"	"	PUNCT
stem-8543	85	7	bitcoin	bitcoin	NOUN
stem-8543	85	8	:	:	PUNCT
stem-8543	85	9	a	a	DET
stem-8543	85	10	peer	peer	NOUN
stem-8543	85	11	-	-	PUNCT
stem-8543	85	12	to	to	ADP
stem-8543	85	13	-	-	PUNCT
stem-8543	85	14	peer	peer	NOUN
stem-8543	85	15	electronic	electronic	ADJ
stem-8543	85	16	cash	cash	NOUN
stem-8543	85	17	system	system	NOUN
stem-8543	85	18	,	,	PUNCT
stem-8543	85	19	"	"	PUNCT
stem-8543	85	20	2008	2008	NUM
stem-8543	85	21	.	.	PUNCT
stem-8543	86	1	[	[	X
stem-8543	86	2	online	online	X
stem-8543	86	3	]	]	X
stem-8543	86	4	.	.	PUNCT
stem-8543	87	1	available	available	ADJ
stem-8543	87	2	:	:	PUNCT
stem-8543	87	3	https://bitcoin.org/bitcoin.pdf	https://bitcoin.org/bitcoin.pdf	NOUN
stem-8543	87	4	5	5	NUM
stem-8543	87	5	.	.	PUNCT
stem-8543	88	1	o.	o.	PROPN
stem-8543	88	2	brynjolfsson	brynjolfsson	PROPN
stem-8543	88	3	and	and	CCONJ
stem-8543	88	4	a.	a.	NOUN
stem-8543	88	5	mcafee	mcafee	NOUN
stem-8543	88	6	,	,	PUNCT
stem-8543	88	7	the	the	DET
stem-8543	88	8	second	second	ADJ
stem-8543	88	9	machine	machine	NOUN
stem-8543	88	10	age	age	NOUN
stem-8543	88	11	:	:	PUNCT
stem-8543	88	12	work	work	NOUN
stem-8543	88	13	,	,	PUNCT
stem-8543	88	14	progress	progress	NOUN
stem-8543	88	15	,	,	PUNCT
stem-8543	88	16	and	and	CCONJ
stem-8543	88	17	prosperity	prosperity	NOUN
stem-8543	88	18	in	in	ADP
stem-8543	88	19	a	a	DET
stem-8543	88	20	time	time	NOUN
stem-8543	88	21	of	of	ADP
stem-8543	88	22	brilliant	brilliant	ADJ
stem-8543	88	23	technologies	technology	NOUN
stem-8543	88	24	,	,	PUNCT
stem-8543	88	25	new	new	PROPN
stem-8543	88	26	york	york	PROPN
stem-8543	88	27	:	:	PUNCT
stem-8543	88	28	w.w	w.w	PROPN
stem-8543	88	29	.	.	PROPN
stem-8543	88	30	norton	norton	PROPN
stem-8543	88	31	&	&	CCONJ
stem-8543	88	32	company	company	PROPN
stem-8543	88	33	,	,	PUNCT
stem-8543	88	34	2014	2014	NUM
stem-8543	88	35	.	.	PUNCT
stem-8543	89	1	6	6	NUM
stem-8543	89	2	.	.	X
stem-8543	89	3	world	world	PROPN
stem-8543	89	4	economic	economic	PROPN
stem-8543	89	5	forum	forum	PROPN
stem-8543	89	6	,	,	PUNCT
stem-8543	89	7	the	the	DET
stem-8543	89	8	future	future	NOUN
stem-8543	89	9	of	of	ADP
stem-8543	89	10	jobs	job	NOUN
stem-8543	89	11	report	report	VERB
stem-8543	89	12	2020	2020	NUM
stem-8543	89	13	,	,	PUNCT
stem-8543	89	14	geneva	geneva	PROPN
stem-8543	89	15	:	:	PUNCT
stem-8543	89	16	wef	wef	PROPN
stem-8543	89	17	,	,	PUNCT
stem-8543	89	18	2020	2020	NUM
stem-8543	89	19	.	.	PUNCT
stem-8543	90	1	[	[	X
stem-8543	90	2	online	online	X
stem-8543	90	3	]	]	X
stem-8543	90	4	.	.	PUNCT
stem-8543	91	1	available	available	ADJ
stem-8543	91	2	:	:	PUNCT
stem-8543	91	3	https://www.weforum.org/reports/the-future-of-jobs-report-2020	https://www.weforum.org/reports/the-future-of-jobs-report-2020	PROPN
stem-8543	91	4	7	7	NUM
stem-8543	91	5	.	.	PUNCT
stem-8543	91	6	m.	m.	NOUN
stem-8543	91	7	porter	porter	NOUN
stem-8543	91	8	,	,	PUNCT
stem-8543	91	9	competitive	competitive	ADJ
stem-8543	91	10	advantage	advantage	NOUN
stem-8543	91	11	in	in	ADP
stem-8543	91	12	the	the	DET
stem-8543	91	13	digital	digital	ADJ
stem-8543	91	14	economy	economy	NOUN
stem-8543	91	15	,	,	PUNCT
stem-8543	91	16	boston	boston	PROPN
stem-8543	91	17	:	:	PUNCT
stem-8543	91	18	harvard	harvard	PROPN
stem-8543	91	19	business	business	PROPN
stem-8543	91	20	review	review	PROPN
stem-8543	91	21	,	,	PUNCT
stem-8543	91	22	2001	2001	NUM
stem-8543	91	23	.	.	PUNCT
stem-8543	92	1	8	8	NUM
stem-8543	92	2	.	.	PUNCT
stem-8543	92	3	j.	j.	PROPN
stem-8543	92	4	schwab	schwab	PROPN
stem-8543	92	5	,	,	PUNCT
stem-8543	92	6	the	the	DET
stem-8543	92	7	fourth	fourth	ADJ
stem-8543	92	8	industrial	industrial	ADJ
stem-8543	92	9	revolution	revolution	NOUN
stem-8543	92	10	,	,	PUNCT
stem-8543	92	11	geneva	geneva	PROPN
stem-8543	92	12	:	:	PUNCT
stem-8543	92	13	world	world	PROPN
stem-8543	92	14	economic	economic	PROPN
stem-8543	92	15	forum	forum	PROPN
stem-8543	92	16	,	,	PUNCT
stem-8543	92	17	2016	2016	NUM
stem-8543	92	18	.	.	PUNCT
stem-8543	93	1	9	9	NUM
stem-8543	93	2	.	.	X
stem-8543	93	3	k.	k.	PROPN
stem-8543	93	4	pousttchi	pousttchi	PROPN
stem-8543	93	5	and	and	CCONJ
stem-8543	93	6	h.	h.	PROPN
stem-8543	93	7	dehnert	dehnert	PROPN
stem-8543	93	8	,	,	PUNCT
stem-8543	93	9	"	"	PUNCT
stem-8543	93	10	exploring	explore	VERB
stem-8543	93	11	the	the	DET
stem-8543	93	12	digital	digital	ADJ
stem-8543	93	13	economy	economy	NOUN
stem-8543	93	14	:	:	PUNCT
stem-8543	93	15	implications	implication	NOUN
stem-8543	93	16	for	for	ADP
stem-8543	93	17	firms	firm	NOUN
stem-8543	93	18	,	,	PUNCT
stem-8543	93	19	"	"	PUNCT
stem-8543	93	20	electronic	electronic	ADJ
stem-8543	93	21	markets	market	NOUN
stem-8543	93	22	,	,	PUNCT
stem-8543	93	23	vol	vol	NOUN
stem-8543	93	24	.	.	PROPN
stem-8543	93	25	23	23	NUM
stem-8543	93	26	,	,	PUNCT
stem-8543	93	27	pp	pp	ADJ
stem-8543	93	28	.	.	PUNCT
stem-8543	94	1	173–180	173–180	NUM
stem-8543	94	2	,	,	PUNCT
stem-8543	94	3	2013	2013	NUM
stem-8543	94	4	.	.	PUNCT
stem-8543	95	1	10	10	NUM
stem-8543	95	2	.	.	PUNCT
stem-8543	96	1	r.	r.	PROPN
stem-8543	96	2	laudon	laudon	PROPN
stem-8543	96	3	and	and	CCONJ
stem-8543	96	4	c.	c.	PROPN
stem-8543	96	5	traver	traver	PROPN
stem-8543	96	6	,	,	PUNCT
stem-8543	96	7	e	e	PROPN
stem-8543	96	8	-	-	NOUN
stem-8543	96	9	commerce	commerce	NOUN
stem-8543	96	10	2021	2021	NUM
stem-8543	96	11	:	:	PUNCT
stem-8543	96	12	business	business	NOUN
stem-8543	96	13	,	,	PUNCT
stem-8543	96	14	technology	technology	NOUN
stem-8543	96	15	,	,	PUNCT
stem-8543	96	16	society	society	NOUN
stem-8543	96	17	,	,	PUNCT
stem-8543	96	18	16th	16th	ADJ
stem-8543	96	19	ed	ed	NOUN
stem-8543	96	20	.	.	PROPN
stem-8543	96	21	,	,	PUNCT
stem-8543	96	22	boston	boston	PROPN
stem-8543	96	23	:	:	PUNCT
stem-8543	96	24	pearson	pearson	PROPN
stem-8543	96	25	,	,	PUNCT
stem-8543	96	26	2021	2021	NUM
stem-8543	96	27	.	.	PUNCT
stem-8543	97	1	501	501	NUM
stem-8543	97	2	american	american	ADJ
stem-8543	97	3	journal	journal	NOUN
stem-8543	97	4	of	of	ADP
stem-8543	97	5	language	language	NOUN
stem-8543	97	6	,	,	PUNCT
stem-8543	97	7	literacy	literacy	NOUN
stem-8543	97	8	and	and	CCONJ
stem-8543	97	9	learning	learn	VERB
stem-8543	97	10	in	in	ADP
stem-8543	97	11	stem	stem	NOUN
stem-8543	97	12	education	education	NOUN
stem-8543	97	13	www	www	PROPN
stem-8543	97	14	.	.	PUNCT
stem-8543	98	1	grnjournal.us	grnjournal.us	X
stem-8543	98	2	11	11	NUM
stem-8543	98	3	.	.	PUNCT
stem-8543	99	1	oecd	oecd	PROPN
stem-8543	99	2	,	,	PUNCT
stem-8543	99	3	digital	digital	ADJ
stem-8543	99	4	economy	economy	NOUN
stem-8543	99	5	outlook	outlook	VERB
stem-8543	99	6	2022	2022	NUM
stem-8543	99	7	,	,	PUNCT
stem-8543	99	8	paris	paris	PROPN
stem-8543	99	9	:	:	PUNCT
stem-8543	99	10	oecd	oecd	PROPN
stem-8543	99	11	publishing	publishing	NOUN
stem-8543	99	12	,	,	PUNCT
stem-8543	99	13	2022	2022	NUM
stem-8543	99	14	.	.	PUNCT
stem-8543	100	1	12	12	NUM
stem-8543	100	2	.	.	PUNCT
stem-8543	101	1	t.	t.	PROPN
stem-8543	101	2	hinton	hinton	PROPN
stem-8543	101	3	et	et	PROPN
stem-8543	101	4	al	al	PROPN
stem-8543	101	5	.	.	PROPN
stem-8543	101	6	,	,	PUNCT
stem-8543	101	7	english	english	PROPN
stem-8543	101	8	for	for	ADP
stem-8543	101	9	it	it	PRON
stem-8543	101	10	and	and	CCONJ
stem-8543	101	11	digital	digital	ADJ
stem-8543	101	12	economy	economy	NOUN
stem-8543	101	13	,	,	PUNCT
stem-8543	101	14	london	london	PROPN
stem-8543	101	15	:	:	PUNCT
stem-8543	101	16	routledge	routledge	PROPN
stem-8543	101	17	,	,	PUNCT
stem-8543	101	18	2019	2019	NUM
stem-8543	101	19	.	.	PUNCT
stem-8543	102	1	13	13	NUM
stem-8543	102	2	.	.	PUNCT
stem-8543	103	1	s.	s.	PROPN
stem-8543	103	2	chaffey	chaffey	PROPN
stem-8543	103	3	,	,	PUNCT
stem-8543	103	4	digital	digital	ADJ
stem-8543	103	5	business	business	NOUN
stem-8543	103	6	and	and	CCONJ
stem-8543	103	7	e	e	NOUN
stem-8543	103	8	-	-	NOUN
stem-8543	103	9	commerce	commerce	NOUN
stem-8543	103	10	management	management	NOUN
stem-8543	103	11	,	,	PUNCT
stem-8543	103	12	8th	8th	ADJ
stem-8543	103	13	ed	ed	NOUN
stem-8543	103	14	.	.	PROPN
stem-8543	103	15	,	,	PUNCT
stem-8543	103	16	harlow	harlow	PROPN
stem-8543	103	17	:	:	PUNCT
stem-8543	103	18	pearson	pearson	PROPN
stem-8543	103	19	,	,	PUNCT
stem-8543	103	20	2020	2020	NUM
stem-8543	103	21	.	.	PUNCT
stem-8543	104	1	14	14	NUM
stem-8543	104	2	.	.	PUNCT
stem-8543	105	1	j.	j.	PROPN
stem-8543	105	2	rifkin	rifkin	PROPN
stem-8543	105	3	,	,	PUNCT
stem-8543	105	4	the	the	DET
stem-8543	105	5	third	third	ADJ
stem-8543	105	6	industrial	industrial	ADJ
stem-8543	105	7	revolution	revolution	NOUN
stem-8543	105	8	,	,	PUNCT
stem-8543	105	9	new	new	PROPN
stem-8543	105	10	york	york	PROPN
stem-8543	105	11	:	:	PUNCT
stem-8543	105	12	palgrave	palgrave	PROPN
stem-8543	105	13	macmillan	macmillan	PROPN
stem-8543	105	14	,	,	PUNCT
stem-8543	105	15	2011	2011	NUM
stem-8543	105	16	.	.	PUNCT
stem-8543	106	1	15	15	NUM
stem-8543	106	2	.	.	PUNCT
stem-8543	107	1	p.	p.	NOUN
stem-8543	107	2	morville	morville	PROPN
stem-8543	107	3	,	,	PUNCT
stem-8543	107	4	intertwingled	intertwingle	VERB
stem-8543	107	5	:	:	PUNCT
stem-8543	107	6	information	information	NOUN
stem-8543	107	7	changes	change	VERB
stem-8543	107	8	everything	everything	PRON
stem-8543	107	9	,	,	PUNCT
stem-8543	107	10	cambridge	cambridge	PROPN
stem-8543	107	11	:	:	PUNCT
stem-8543	107	12	o’reilly	o’reilly	ADV
stem-8543	107	13	media	medium	NOUN
stem-8543	107	14	,	,	PUNCT
stem-8543	107	15	2014	2014	NUM
stem-8543	107	16	.	.	PUNCT