id	sid	tid	token	lemma	pos
ajmri-6067	1	1	pa	pa	PROPN
ajmri-6067	1	2	ge	ge	PROPN
ajmri-6067	1	3	1	1	NUM
ajmri-6067	1	4	pa	pa	PROPN
ajmri-6067	1	5	ge	ge	PROPN
ajmri-6067	1	6	48	48	NUM
ajmri-6067	1	7	american	american	PROPN
ajmri-6067	1	8	journal	journal	PROPN
ajmri-6067	1	9	of	of	ADP
ajmri-6067	1	10	multidisciplinary	multidisciplinary	ADJ
ajmri-6067	1	11	research	research	NOUN
ajmri-6067	1	12	and	and	CCONJ
ajmri-6067	1	13	innovation	innovation	NOUN
ajmri-6067	1	14	(	(	PUNCT
ajmri-6067	1	15	ajmri	ajmri	NOUN
ajmri-6067	1	16	)	)	PUNCT
ajmri-6067	1	17	unlocking	unlock	VERB
ajmri-6067	1	18	the	the	DET
ajmri-6067	1	19	black	black	ADJ
ajmri-6067	1	20	box	box	NOUN
ajmri-6067	1	21	of	of	ADP
ajmri-6067	1	22	financial	financial	ADJ
ajmri-6067	1	23	innovation	innovation	NOUN
ajmri-6067	1	24	:	:	PUNCT
ajmri-6067	1	25	a	a	DET
ajmri-6067	1	26	case	case	NOUN
ajmri-6067	1	27	study	study	NOUN
ajmri-6067	1	28	of	of	ADP
ajmri-6067	1	29	banking	banking	NOUN
ajmri-6067	1	30	institutions	institution	NOUN
ajmri-6067	1	31	in	in	ADP
ajmri-6067	1	32	the	the	DET
ajmri-6067	1	33	eastern	eastern	ADJ
ajmri-6067	1	34	region	region	NOUN
ajmri-6067	1	35	of	of	ADP
ajmri-6067	1	36	ghana	ghana	PROPN
ajmri-6067	1	37	doreen	doreen	PROPN
ajmri-6067	1	38	adu1	adu1	PROPN
ajmri-6067	1	39	,	,	PUNCT
ajmri-6067	1	40	francis	francis	PROPN
ajmri-6067	1	41	sarkodie	sarkodie	PROPN
ajmri-6067	1	42	-	-	PUNCT
ajmri-6067	1	43	addo1	addo1	NOUN
ajmri-6067	1	44	*	*	PUNCT
ajmri-6067	1	45	volume	volume	NOUN
ajmri-6067	1	46	4	4	NUM
ajmri-6067	1	47	issue	issue	NOUN
ajmri-6067	1	48	6	6	NUM
ajmri-6067	1	49	,	,	PUNCT
ajmri-6067	1	50	year	year	NOUN
ajmri-6067	1	51	2025	2025	NUM
ajmri-6067	1	52	issn	issn	NOUN
ajmri-6067	1	53	:	:	PUNCT
ajmri-6067	1	54	2158	2158	NUM
ajmri-6067	1	55	-	-	SYM
ajmri-6067	1	56	8155	8155	NUM
ajmri-6067	1	57	(	(	PUNCT
ajmri-6067	1	58	online	online	NOUN
ajmri-6067	1	59	)	)	PUNCT
ajmri-6067	1	60	,	,	PUNCT
ajmri-6067	1	61	2832	2832	NUM
ajmri-6067	1	62	-	-	SYM
ajmri-6067	1	63	4854	4854	NUM
ajmri-6067	1	64	(	(	PUNCT
ajmri-6067	1	65	print	print	NOUN
ajmri-6067	1	66	)	)	PUNCT
ajmri-6067	1	67	doi	doi	NOUN
ajmri-6067	1	68	:	:	PUNCT
ajmri-6067	1	69	https://doi.org/10.54536/ajmri.v4i6.6067	https://doi.org/10.54536/ajmri.v4i6.6067	VERB
ajmri-6067	1	70	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	ADJ
ajmri-6067	1	71	article	article	NOUN
ajmri-6067	1	72	information	information	NOUN
ajmri-6067	1	73	abstract	abstract	ADJ
ajmri-6067	1	74	received	receive	VERB
ajmri-6067	1	75	:	:	PUNCT
ajmri-6067	1	76	september	september	PROPN
ajmri-6067	1	77	07	07	NUM
ajmri-6067	1	78	,	,	PUNCT
ajmri-6067	1	79	2025	2025	NUM
ajmri-6067	1	80	accepted	accept	VERB
ajmri-6067	1	81	:	:	PUNCT
ajmri-6067	1	82	october	october	PROPN
ajmri-6067	1	83	09	09	NUM
ajmri-6067	1	84	,	,	PUNCT
ajmri-6067	1	85	2025	2025	NUM
ajmri-6067	1	86	published	publish	VERB
ajmri-6067	1	87	:	:	PUNCT
ajmri-6067	1	88	november	november	PROPN
ajmri-6067	1	89	24	24	NUM
ajmri-6067	1	90	,	,	PUNCT
ajmri-6067	1	91	2025	2025	NUM
ajmri-6067	1	92	ghanaian	ghanaian	ADJ
ajmri-6067	1	93	business	business	NOUN
ajmri-6067	1	94	owners	owner	NOUN
ajmri-6067	1	95	and	and	CCONJ
ajmri-6067	1	96	clients	client	NOUN
ajmri-6067	1	97	are	be	AUX
ajmri-6067	1	98	of	of	ADP
ajmri-6067	1	99	the	the	DET
ajmri-6067	1	100	view	view	NOUN
ajmri-6067	1	101	that	that	SCONJ
ajmri-6067	1	102	the	the	DET
ajmri-6067	1	103	use	use	NOUN
ajmri-6067	1	104	of	of	ADP
ajmri-6067	1	105	innovation	innovation	NOUN
ajmri-6067	1	106	,	,	PUNCT
ajmri-6067	1	107	especially	especially	ADV
ajmri-6067	1	108	technology	technology	NOUN
ajmri-6067	1	109	could	could	AUX
ajmri-6067	1	110	influence	influence	VERB
ajmri-6067	1	111	the	the	DET
ajmri-6067	1	112	growth	growth	NOUN
ajmri-6067	1	113	of	of	ADP
ajmri-6067	1	114	financial	financial	ADJ
ajmri-6067	1	115	institutions	institution	NOUN
ajmri-6067	1	116	in	in	ADP
ajmri-6067	1	117	ghana	ghana	PROPN
ajmri-6067	1	118	,	,	PUNCT
ajmri-6067	1	119	and	and	CCONJ
ajmri-6067	1	120	one	one	NUM
ajmri-6067	1	121	of	of	ADP
ajmri-6067	1	122	the	the	DET
ajmri-6067	1	123	key	key	ADJ
ajmri-6067	1	124	focus	focus	NOUN
ajmri-6067	1	125	of	of	ADP
ajmri-6067	1	126	the	the	DET
ajmri-6067	1	127	study	study	NOUN
ajmri-6067	1	128	has	have	AUX
ajmri-6067	1	129	been	be	AUX
ajmri-6067	1	130	how	how	SCONJ
ajmri-6067	1	131	the	the	DET
ajmri-6067	1	132	use	use	NOUN
ajmri-6067	1	133	of	of	ADP
ajmri-6067	1	134	innovation	innovation	NOUN
ajmri-6067	1	135	could	could	AUX
ajmri-6067	1	136	serve	serve	VERB
ajmri-6067	1	137	as	as	ADP
ajmri-6067	1	138	a	a	DET
ajmri-6067	1	139	means	means	NOUN
ajmri-6067	1	140	to	to	PART
ajmri-6067	1	141	ensure	ensure	VERB
ajmri-6067	1	142	business	business	NOUN
ajmri-6067	1	143	sustainability	sustainability	NOUN
ajmri-6067	1	144	.	.	PUNCT
ajmri-6067	2	1	interestingly	interestingly	ADV
ajmri-6067	2	2	,	,	PUNCT
ajmri-6067	2	3	most	most	ADJ
ajmri-6067	2	4	qualitative	qualitative	ADJ
ajmri-6067	2	5	respondents	respondent	NOUN
ajmri-6067	2	6	concurred	concur	VERB
ajmri-6067	2	7	the	the	DET
ajmri-6067	2	8	use	use	NOUN
ajmri-6067	2	9	of	of	ADP
ajmri-6067	2	10	innovation	innovation	NOUN
ajmri-6067	2	11	as	as	ADP
ajmri-6067	2	12	a	a	DET
ajmri-6067	2	13	means	means	NOUN
ajmri-6067	2	14	to	to	PART
ajmri-6067	2	15	ensure	ensure	VERB
ajmri-6067	2	16	business	business	NOUN
ajmri-6067	2	17	sustainability	sustainability	NOUN
ajmri-6067	2	18	.	.	PUNCT
ajmri-6067	3	1	the	the	DET
ajmri-6067	3	2	study	study	NOUN
ajmri-6067	3	3	,	,	PUNCT
ajmri-6067	3	4	“	"	PUNCT
ajmri-6067	3	5	unlocking	unlock	VERB
ajmri-6067	3	6	the	the	DET
ajmri-6067	3	7	black	black	ADJ
ajmri-6067	3	8	box	box	NOUN
ajmri-6067	3	9	of	of	ADP
ajmri-6067	3	10	financial	financial	ADJ
ajmri-6067	3	11	innovation	innovation	NOUN
ajmri-6067	3	12	:	:	PUNCT
ajmri-6067	3	13	a	a	DET
ajmri-6067	3	14	case	case	NOUN
ajmri-6067	3	15	study	study	NOUN
ajmri-6067	3	16	of	of	ADP
ajmri-6067	3	17	banking	banking	NOUN
ajmri-6067	3	18	institutions	institution	NOUN
ajmri-6067	3	19	in	in	ADP
ajmri-6067	3	20	the	the	DET
ajmri-6067	3	21	eastern	eastern	ADJ
ajmri-6067	3	22	region	region	NOUN
ajmri-6067	3	23	of	of	ADP
ajmri-6067	3	24	ghana	ghana	PROPN
ajmri-6067	3	25	”	"	PUNCT
ajmri-6067	3	26	could	could	AUX
ajmri-6067	3	27	help	help	AUX
ajmri-6067	3	28	identify	identify	VERB
ajmri-6067	3	29	action	action	NOUN
ajmri-6067	3	30	plans	plan	NOUN
ajmri-6067	3	31	through	through	ADP
ajmri-6067	3	32	existing	exist	VERB
ajmri-6067	3	33	frameworks	framework	NOUN
ajmri-6067	3	34	to	to	PART
ajmri-6067	3	35	optimize	optimize	VERB
ajmri-6067	3	36	performance	performance	NOUN
ajmri-6067	3	37	among	among	ADP
ajmri-6067	3	38	financial	financial	ADJ
ajmri-6067	3	39	institutions	institution	NOUN
ajmri-6067	3	40	in	in	ADP
ajmri-6067	3	41	the	the	DET
ajmri-6067	3	42	eastern	eastern	ADJ
ajmri-6067	3	43	region	region	NOUN
ajmri-6067	3	44	of	of	ADP
ajmri-6067	3	45	ghana	ghana	PROPN
ajmri-6067	3	46	.	.	PUNCT
ajmri-6067	4	1	the	the	DET
ajmri-6067	4	2	study	study	NOUN
ajmri-6067	4	3	is	be	AUX
ajmri-6067	4	4	based	base	VERB
ajmri-6067	4	5	on	on	ADP
ajmri-6067	4	6	secondary	secondary	ADJ
ajmri-6067	4	7	data	datum	NOUN
ajmri-6067	4	8	sources	source	NOUN
ajmri-6067	4	9	with	with	ADP
ajmri-6067	4	10	qualitative	qualitative	ADJ
ajmri-6067	4	11	research	research	NOUN
ajmri-6067	4	12	,	,	PUNCT
ajmri-6067	4	13	observing	observe	VERB
ajmri-6067	4	14	and	and	CCONJ
ajmri-6067	4	15	describing	describe	VERB
ajmri-6067	4	16	events	event	NOUN
ajmri-6067	4	17	as	as	SCONJ
ajmri-6067	4	18	they	they	PRON
ajmri-6067	4	19	occur	occur	VERB
ajmri-6067	4	20	,	,	PUNCT
ajmri-6067	4	21	with	with	ADP
ajmri-6067	4	22	the	the	DET
ajmri-6067	4	23	goal	goal	NOUN
ajmri-6067	4	24	of	of	ADP
ajmri-6067	4	25	capturing	capture	VERB
ajmri-6067	4	26	all	all	PRON
ajmri-6067	4	27	of	of	ADP
ajmri-6067	4	28	the	the	DET
ajmri-6067	4	29	richness	richness	NOUN
ajmri-6067	4	30	of	of	ADP
ajmri-6067	4	31	everyday	everyday	ADJ
ajmri-6067	4	32	behavior	behavior	NOUN
ajmri-6067	4	33	.	.	PUNCT
ajmri-6067	5	1	the	the	DET
ajmri-6067	5	2	intricacies	intricacy	NOUN
ajmri-6067	5	3	of	of	ADP
ajmri-6067	5	4	financial	financial	ADJ
ajmri-6067	5	5	innovation	innovation	NOUN
ajmri-6067	5	6	remain	remain	VERB
ajmri-6067	5	7	shrouded	shrouded	ADJ
ajmri-6067	5	8	in	in	ADP
ajmri-6067	5	9	mystery	mystery	NOUN
ajmri-6067	5	10	,	,	PUNCT
ajmri-6067	5	11	with	with	ADP
ajmri-6067	5	12	limited	limited	ADJ
ajmri-6067	5	13	understanding	understanding	NOUN
ajmri-6067	5	14	of	of	ADP
ajmri-6067	5	15	its	its	PRON
ajmri-6067	5	16	drivers	driver	NOUN
ajmri-6067	5	17	,	,	PUNCT
ajmri-6067	5	18	mechanisms	mechanism	NOUN
ajmri-6067	5	19	,	,	PUNCT
ajmri-6067	5	20	and	and	CCONJ
ajmri-6067	5	21	risk	risk	NOUN
ajmri-6067	5	22	management	management	NOUN
ajmri-6067	5	23	strategies	strategy	NOUN
ajmri-6067	5	24	,	,	PUNCT
ajmri-6067	5	25	a	a	DET
ajmri-6067	5	26	knowledge	knowledge	NOUN
ajmri-6067	5	27	gap	gap	NOUN
ajmri-6067	5	28	that	that	PRON
ajmri-6067	5	29	hinders	hinder	VERB
ajmri-6067	5	30	policymakers	policymaker	NOUN
ajmri-6067	5	31	,	,	PUNCT
ajmri-6067	5	32	regulators	regulator	NOUN
ajmri-6067	5	33	,	,	PUNCT
ajmri-6067	5	34	and	and	CCONJ
ajmri-6067	5	35	industry	industry	NOUN
ajmri-6067	5	36	stakeholders	stakeholder	NOUN
ajmri-6067	5	37	from	from	ADP
ajmri-6067	5	38	optimizing	optimize	VERB
ajmri-6067	5	39	financial	financial	ADJ
ajmri-6067	5	40	innovation	innovation	NOUN
ajmri-6067	5	41	’s	’s	PART
ajmri-6067	5	42	potentials	potential	NOUN
ajmri-6067	5	43	.	.	PUNCT
ajmri-6067	6	1	the	the	DET
ajmri-6067	6	2	study	study	NOUN
ajmri-6067	6	3	establishes	establish	VERB
ajmri-6067	6	4	the	the	DET
ajmri-6067	6	5	following	follow	VERB
ajmri-6067	6	6	key	key	ADJ
ajmri-6067	6	7	findings	finding	NOUN
ajmri-6067	6	8	:	:	PUNCT
ajmri-6067	6	9	1	1	NUM
ajmri-6067	6	10	)	)	PUNCT
ajmri-6067	6	11	.	.	PUNCT
ajmri-6067	7	1	majority	majority	NOUN
ajmri-6067	7	2	of	of	ADP
ajmri-6067	7	3	customers	customer	NOUN
ajmri-6067	7	4	and	and	CCONJ
ajmri-6067	7	5	clients	client	NOUN
ajmri-6067	7	6	of	of	ADP
ajmri-6067	7	7	financial	financial	ADJ
ajmri-6067	7	8	services	service	NOUN
ajmri-6067	7	9	are	be	AUX
ajmri-6067	7	10	of	of	ADP
ajmri-6067	7	11	the	the	DET
ajmri-6067	7	12	view	view	NOUN
ajmri-6067	7	13	that	that	SCONJ
ajmri-6067	7	14	technology	technology	NOUN
ajmri-6067	7	15	influences	influence	VERB
ajmri-6067	7	16	the	the	DET
ajmri-6067	7	17	growth	growth	NOUN
ajmri-6067	7	18	of	of	ADP
ajmri-6067	7	19	institutions	institution	NOUN
ajmri-6067	7	20	in	in	ADP
ajmri-6067	7	21	ghana	ghana	PROPN
ajmri-6067	7	22	.	.	PUNCT
ajmri-6067	8	1	2	2	NUM
ajmri-6067	8	2	)	)	PUNCT
ajmri-6067	8	3	.	.	PUNCT
ajmri-6067	9	1	innovativeness	innovativeness	NOUN
ajmri-6067	9	2	has	have	AUX
ajmri-6067	9	3	led	lead	VERB
ajmri-6067	9	4	to	to	ADP
ajmri-6067	9	5	improvement	improvement	NOUN
ajmri-6067	9	6	of	of	ADP
ajmri-6067	9	7	the	the	DET
ajmri-6067	9	8	financial	financial	ADJ
ajmri-6067	9	9	services	service	NOUN
ajmri-6067	9	10	and	and	CCONJ
ajmri-6067	9	11	improved	improve	VERB
ajmri-6067	9	12	payment	payment	NOUN
ajmri-6067	9	13	systems	system	NOUN
ajmri-6067	9	14	3	3	NUM
ajmri-6067	9	15	)	)	PUNCT
ajmri-6067	9	16	.	.	PUNCT
ajmri-6067	10	1	the	the	DET
ajmri-6067	10	2	fear	fear	NOUN
ajmri-6067	10	3	of	of	ADP
ajmri-6067	10	4	unknown	unknown	ADJ
ajmri-6067	10	5	and	and	CCONJ
ajmri-6067	10	6	lack	lack	NOUN
ajmri-6067	10	7	of	of	ADP
ajmri-6067	10	8	awareness	awareness	NOUN
ajmri-6067	10	9	creation	creation	NOUN
ajmri-6067	10	10	are	be	AUX
ajmri-6067	10	11	the	the	DET
ajmri-6067	10	12	key	key	ADJ
ajmri-6067	10	13	triggers	trigger	NOUN
ajmri-6067	10	14	of	of	ADP
ajmri-6067	10	15	resistance	resistance	NOUN
ajmri-6067	10	16	to	to	ADP
ajmri-6067	10	17	innovativeness	innovativeness	NOUN
ajmri-6067	10	18	in	in	ADP
ajmri-6067	10	19	organization	organization	NOUN
ajmri-6067	10	20	.	.	PUNCT
ajmri-6067	11	1	the	the	DET
ajmri-6067	11	2	study	study	NOUN
ajmri-6067	11	3	provided	provide	VERB
ajmri-6067	11	4	the	the	DET
ajmri-6067	11	5	following	following	NOUN
ajmri-6067	11	6	as	as	ADP
ajmri-6067	11	7	key	key	ADJ
ajmri-6067	11	8	recommendations	recommendation	NOUN
ajmri-6067	11	9	:	:	PUNCT
ajmri-6067	11	10	business	business	NOUN
ajmri-6067	11	11	leaders	leader	NOUN
ajmri-6067	11	12	should	should	AUX
ajmri-6067	11	13	see	see	VERB
ajmri-6067	11	14	innovation	innovation	NOUN
ajmri-6067	11	15	as	as	ADP
ajmri-6067	11	16	the	the	DET
ajmri-6067	11	17	key	key	ADJ
ajmri-6067	11	18	element	element	NOUN
ajmri-6067	11	19	to	to	PART
ajmri-6067	11	20	reach	reach	VERB
ajmri-6067	11	21	customer	customer	NOUN
ajmri-6067	11	22	satisfaction	satisfaction	NOUN
ajmri-6067	11	23	,	,	PUNCT
ajmri-6067	11	24	organizations	organization	NOUN
ajmri-6067	11	25	should	should	AUX
ajmri-6067	11	26	focus	focus	VERB
ajmri-6067	11	27	on	on	ADP
ajmri-6067	11	28	products	product	NOUN
ajmri-6067	11	29	,	,	PUNCT
ajmri-6067	11	30	types	type	NOUN
ajmri-6067	11	31	of	of	ADP
ajmri-6067	11	32	product	product	NOUN
ajmri-6067	11	33	,	,	PUNCT
ajmri-6067	11	34	stages	stage	NOUN
ajmri-6067	11	35	and	and	CCONJ
ajmri-6067	11	36	features	feature	NOUN
ajmri-6067	11	37	and	and	CCONJ
ajmri-6067	11	38	also	also	ADV
ajmri-6067	11	39	pay	pay	VERB
ajmri-6067	11	40	more	more	ADJ
ajmri-6067	11	41	attention	attention	NOUN
ajmri-6067	11	42	on	on	ADP
ajmri-6067	11	43	the	the	DET
ajmri-6067	11	44	role	role	NOUN
ajmri-6067	11	45	it	it	PRON
ajmri-6067	11	46	plays	play	VERB
ajmri-6067	11	47	in	in	ADP
ajmri-6067	11	48	realizing	realize	VERB
ajmri-6067	11	49	competitive	competitive	ADJ
ajmri-6067	11	50	advantage	advantage	NOUN
ajmri-6067	11	51	,	,	PUNCT
ajmri-6067	11	52	banking	banking	NOUN
ajmri-6067	11	53	institutions	institution	NOUN
ajmri-6067	11	54	should	should	AUX
ajmri-6067	11	55	consider	consider	VERB
ajmri-6067	11	56	speed	speed	NOUN
ajmri-6067	11	57	and	and	CCONJ
ajmri-6067	11	58	simplicity	simplicity	NOUN
ajmri-6067	11	59	as	as	ADP
ajmri-6067	11	60	their	their	PRON
ajmri-6067	11	61	priorities	priority	NOUN
ajmri-6067	11	62	,	,	PUNCT
ajmri-6067	11	63	leading	lead	VERB
ajmri-6067	11	64	to	to	ADP
ajmri-6067	11	65	the	the	DET
ajmri-6067	11	66	focus	focus	NOUN
ajmri-6067	11	67	on	on	ADP
ajmri-6067	11	68	clients	client	NOUN
ajmri-6067	11	69	in	in	ADP
ajmri-6067	11	70	their	their	PRON
ajmri-6067	11	71	operations	operation	NOUN
ajmri-6067	11	72	to	to	PART
ajmri-6067	11	73	ensure	ensure	VERB
ajmri-6067	11	74	they	they	PRON
ajmri-6067	11	75	are	be	AUX
ajmri-6067	11	76	maintained	maintain	VERB
ajmri-6067	11	77	,	,	PUNCT
ajmri-6067	11	78	financial	financial	ADJ
ajmri-6067	11	79	institutions	institution	NOUN
ajmri-6067	11	80	should	should	AUX
ajmri-6067	11	81	have	have	VERB
ajmri-6067	11	82	policies	policy	NOUN
ajmri-6067	11	83	that	that	PRON
ajmri-6067	11	84	seek	seek	VERB
ajmri-6067	11	85	to	to	PART
ajmri-6067	11	86	reward	reward	VERB
ajmri-6067	11	87	innovation	innovation	NOUN
ajmri-6067	11	88	ideas	idea	NOUN
ajmri-6067	11	89	at	at	ADP
ajmri-6067	11	90	every	every	DET
ajmri-6067	11	91	leve	leve	NOUN
ajmri-6067	11	92	to	to	PART
ajmri-6067	11	93	encourage	encourage	VERB
ajmri-6067	11	94	employees	employee	NOUN
ajmri-6067	11	95	to	to	PART
ajmri-6067	11	96	come	come	VERB
ajmri-6067	11	97	up	up	ADP
ajmri-6067	11	98	with	with	ADP
ajmri-6067	11	99	new	new	ADJ
ajmri-6067	11	100	ideas	idea	NOUN
ajmri-6067	11	101	all	all	DET
ajmri-6067	11	102	the	the	DET
ajmri-6067	11	103	time	time	NOUN
ajmri-6067	11	104	,	,	PUNCT
ajmri-6067	11	105	business	business	NOUN
ajmri-6067	11	106	leaders	leader	NOUN
ajmri-6067	11	107	should	should	AUX
ajmri-6067	11	108	forge	forge	VERB
ajmri-6067	11	109	strategies	strategy	NOUN
ajmri-6067	11	110	including	include	VERB
ajmri-6067	11	111	stakeholder	stakeholder	NOUN
ajmri-6067	11	112	-	-	PUNCT
ajmri-6067	11	113	engagement	engagement	NOUN
ajmri-6067	11	114	,	,	PUNCT
ajmri-6067	11	115	brainstorming	brainstorming	NOUN
ajmri-6067	11	116	and	and	CCONJ
ajmri-6067	11	117	awareness	awareness	NOUN
ajmri-6067	11	118	creation	creation	NOUN
ajmri-6067	11	119	,	,	PUNCT
ajmri-6067	11	120	and	and	CCONJ
ajmri-6067	11	121	idea	idea	NOUN
ajmri-6067	11	122	cascaded	cascade	VERB
ajmri-6067	11	123	down	down	ADP
ajmri-6067	11	124	to	to	PART
ajmri-6067	11	125	get	get	VERB
ajmri-6067	11	126	others	other	NOUN
ajmri-6067	11	127	behind	behind	ADP
ajmri-6067	11	128	a	a	DET
ajmri-6067	11	129	change	change	NOUN
ajmri-6067	11	130	.	.	PUNCT
ajmri-6067	12	1	the	the	DET
ajmri-6067	12	2	study	study	NOUN
ajmri-6067	12	3	argues	argue	VERB
ajmri-6067	12	4	that	that	SCONJ
ajmri-6067	12	5	within	within	ADP
ajmri-6067	12	6	the	the	DET
ajmri-6067	12	7	context	context	NOUN
ajmri-6067	12	8	of	of	ADP
ajmri-6067	12	9	the	the	DET
ajmri-6067	12	10	rapidly	rapidly	ADV
ajmri-6067	12	11	changing	change	VERB
ajmri-6067	12	12	operating	operating	NOUN
ajmri-6067	12	13	environment	environment	NOUN
ajmri-6067	12	14	,	,	PUNCT
ajmri-6067	12	15	simplification	simplification	NOUN
ajmri-6067	12	16	,	,	PUNCT
ajmri-6067	12	17	stringent	stringent	ADJ
ajmri-6067	12	18	risk	risk	NOUN
ajmri-6067	12	19	management	management	NOUN
ajmri-6067	12	20	,	,	PUNCT
ajmri-6067	12	21	and	and	CCONJ
ajmri-6067	12	22	innovative	innovative	ADJ
ajmri-6067	12	23	mindset	mindset	NOUN
ajmri-6067	12	24	should	should	AUX
ajmri-6067	12	25	be	be	AUX
ajmri-6067	12	26	considered	consider	VERB
ajmri-6067	12	27	as	as	ADP
ajmri-6067	12	28	tools	tool	NOUN
ajmri-6067	12	29	for	for	ADP
ajmri-6067	12	30	adaptive	adaptive	ADJ
ajmri-6067	12	31	capabilities	capability	NOUN
ajmri-6067	12	32	.	.	PUNCT
ajmri-6067	13	1	keywords	keyword	NOUN
ajmri-6067	13	2	brainstorming	brainstorming	NOUN
ajmri-6067	13	3	,	,	PUNCT
ajmri-6067	13	4	innovation	innovation	NOUN
ajmri-6067	13	5	,	,	PUNCT
ajmri-6067	13	6	policymakers	policymaker	NOUN
ajmri-6067	13	7	,	,	PUNCT
ajmri-6067	13	8	stakeholderengagement	stakeholderengagement	ADJ
ajmri-6067	13	9	,	,	PUNCT
ajmri-6067	13	10	unlocking	unlock	VERB
ajmri-6067	13	11	introduction	introduction	NOUN
ajmri-6067	13	12	background	background	NOUN
ajmri-6067	13	13	of	of	ADP
ajmri-6067	13	14	the	the	DET
ajmri-6067	13	15	study	study	NOUN
ajmri-6067	13	16	financial	financial	ADJ
ajmri-6067	13	17	innovation	innovation	NOUN
ajmri-6067	13	18	has	have	AUX
ajmri-6067	13	19	transformed	transform	VERB
ajmri-6067	13	20	many	many	ADJ
ajmri-6067	13	21	businesses	business	NOUN
ajmri-6067	13	22	in	in	ADP
ajmri-6067	13	23	ghana	ghana	PROPN
ajmri-6067	13	24	,	,	PUNCT
ajmri-6067	13	25	particularly	particularly	ADV
ajmri-6067	13	26	the	the	DET
ajmri-6067	13	27	banking	banking	NOUN
ajmri-6067	13	28	landscape	landscape	NOUN
ajmri-6067	13	29	.	.	PUNCT
ajmri-6067	14	1	the	the	DET
ajmri-6067	14	2	rapid	rapid	ADJ
ajmri-6067	14	3	adoption	adoption	NOUN
ajmri-6067	14	4	of	of	ADP
ajmri-6067	14	5	digital	digital	ADJ
ajmri-6067	14	6	technologies	technology	NOUN
ajmri-6067	14	7	and	and	CCONJ
ajmri-6067	14	8	innovative	innovative	ADJ
ajmri-6067	14	9	financial	financial	ADJ
ajmri-6067	14	10	products	product	NOUN
ajmri-6067	14	11	have	have	AUX
ajmri-6067	14	12	improved	improve	VERB
ajmri-6067	14	13	financial	financial	ADJ
ajmri-6067	14	14	inclusion	inclusion	NOUN
ajmri-6067	14	15	,	,	PUNCT
ajmri-6067	14	16	reduced	reduce	VERB
ajmri-6067	14	17	transection	transection	NOUN
ajmri-6067	14	18	costs	cost	NOUN
ajmri-6067	14	19	,	,	PUNCT
ajmri-6067	14	20	and	and	CCONJ
ajmri-6067	14	21	enhanced	enhance	VERB
ajmri-6067	14	22	customer	customer	NOUN
ajmri-6067	14	23	experience	experience	NOUN
ajmri-6067	14	24	,	,	PUNCT
ajmri-6067	14	25	especially	especially	ADV
ajmri-6067	14	26	speed	speed	NOUN
ajmri-6067	14	27	of	of	ADP
ajmri-6067	14	28	delivery	delivery	NOUN
ajmri-6067	14	29	and	and	CCONJ
ajmri-6067	14	30	quality	quality	NOUN
ajmri-6067	14	31	of	of	ADP
ajmri-6067	14	32	products	product	NOUN
ajmri-6067	14	33	.	.	PUNCT
ajmri-6067	15	1	agreeing	agree	VERB
ajmri-6067	15	2	with	with	ADP
ajmri-6067	15	3	the	the	DET
ajmri-6067	15	4	position	position	NOUN
ajmri-6067	15	5	of	of	ADP
ajmri-6067	15	6	zhang	zhang	PROPN
ajmri-6067	15	7	et	et	PROPN
ajmri-6067	15	8	al	al	PROPN
ajmri-6067	15	9	.	.	PROPN
ajmri-6067	16	1	(	(	PUNCT
ajmri-6067	16	2	2023	2023	NUM
ajmri-6067	16	3	)	)	PUNCT
ajmri-6067	16	4	who	who	PRON
ajmri-6067	16	5	indicates	indicate	VERB
ajmri-6067	16	6	that	that	SCONJ
ajmri-6067	16	7	financial	financial	ADJ
ajmri-6067	16	8	technology	technology	NOUN
ajmri-6067	16	9	(	(	PUNCT
ajmri-6067	16	10	fintech	fintech	NOUN
ajmri-6067	16	11	)	)	PUNCT
ajmri-6067	16	12	,	,	PUNCT
ajmri-6067	16	13	including	include	VERB
ajmri-6067	16	14	peer	peer	NOUN
ajmri-6067	16	15	-	-	PUNCT
ajmri-6067	16	16	to	to	PART
ajmri-6067	16	17	peer	peer	NOUN
ajmri-6067	16	18	(	(	PUNCT
ajmri-6067	16	19	p2p	p2p	NOUN
ajmri-6067	16	20	)	)	PUNCT
ajmri-6067	16	21	lending	lending	NOUN
ajmri-6067	16	22	,	,	PUNCT
ajmri-6067	16	23	can	can	AUX
ajmri-6067	16	24	enhance	enhance	VERB
ajmri-6067	16	25	financial	financial	ADJ
ajmri-6067	16	26	inclusion	inclusion	NOUN
ajmri-6067	16	27	by	by	ADP
ajmri-6067	16	28	breaking	break	VERB
ajmri-6067	16	29	down	down	ADP
ajmri-6067	16	30	banking	banking	NOUN
ajmri-6067	16	31	services	service	NOUN
ajmri-6067	16	32	,	,	PUNCT
ajmri-6067	16	33	directing	direct	VERB
ajmri-6067	16	34	capital	capital	NOUN
ajmri-6067	16	35	to	to	ADP
ajmri-6067	16	36	core	core	NOUN
ajmri-6067	16	37	functions	function	NOUN
ajmri-6067	16	38	,	,	PUNCT
ajmri-6067	16	39	and	and	CCONJ
ajmri-6067	16	40	delivering	deliver	VERB
ajmri-6067	16	41	services	service	NOUN
ajmri-6067	16	42	digitally	digitally	ADV
ajmri-6067	16	43	.	.	PUNCT
ajmri-6067	17	1	in	in	ADP
ajmri-6067	17	2	the	the	DET
ajmri-6067	17	3	view	view	NOUN
ajmri-6067	17	4	of	of	ADP
ajmri-6067	17	5	the	the	DET
ajmri-6067	17	6	researchers	researcher	NOUN
ajmri-6067	17	7	,	,	PUNCT
ajmri-6067	17	8	this	this	PRON
ajmri-6067	17	9	seeks	seek	VERB
ajmri-6067	17	10	to	to	PART
ajmri-6067	17	11	ensure	ensure	VERB
ajmri-6067	17	12	greater	great	ADJ
ajmri-6067	17	13	access	access	NOUN
ajmri-6067	17	14	to	to	ADP
ajmri-6067	17	15	funds	fund	NOUN
ajmri-6067	17	16	for	for	ADP
ajmri-6067	17	17	the	the	DET
ajmri-6067	17	18	wider	wide	ADJ
ajmri-6067	17	19	population	population	NOUN
ajmri-6067	17	20	.	.	PUNCT
ajmri-6067	18	1	the	the	DET
ajmri-6067	18	2	researchers	researcher	NOUN
ajmri-6067	18	3	in	in	ADP
ajmri-6067	18	4	their	their	PRON
ajmri-6067	18	5	view	view	NOUN
ajmri-6067	18	6	argue	argue	VERB
ajmri-6067	18	7	that	that	SCONJ
ajmri-6067	18	8	peer	peer	NOUN
ajmri-6067	18	9	-	-	PUNCT
ajmri-6067	18	10	to	to	ADP
ajmri-6067	18	11	-	-	PUNCT
ajmri-6067	18	12	peer	peer	NOUN
ajmri-6067	18	13	(	(	PUNCT
ajmri-6067	18	14	p2p	p2p	NOUN
ajmri-6067	18	15	)	)	PUNCT
ajmri-6067	18	16	lending	lending	NOUN
ajmri-6067	18	17	platforms	platform	NOUN
ajmri-6067	18	18	can	can	AUX
ajmri-6067	18	19	enhance	enhance	VERB
ajmri-6067	18	20	financial	financial	ADJ
ajmri-6067	18	21	inclusion	inclusion	NOUN
ajmri-6067	18	22	by	by	ADP
ajmri-6067	18	23	offering	offer	VERB
ajmri-6067	18	24	an	an	DET
ajmri-6067	18	25	alternative	alternative	NOUN
ajmri-6067	18	26	to	to	ADP
ajmri-6067	18	27	traditional	traditional	ADJ
ajmri-6067	18	28	financial	financial	ADJ
ajmri-6067	18	29	institutions	institution	NOUN
ajmri-6067	18	30	,	,	PUNCT
ajmri-6067	18	31	particularly	particularly	ADV
ajmri-6067	18	32	those	those	PRON
ajmri-6067	18	33	in	in	ADP
ajmri-6067	18	34	the	the	DET
ajmri-6067	18	35	rural	rural	ADJ
ajmri-6067	18	36	communities	community	NOUN
ajmri-6067	18	37	with	with	ADP
ajmri-6067	18	38	fewer	few	ADJ
ajmri-6067	18	39	bank	bank	NOUN
ajmri-6067	18	40	branches	branch	NOUN
ajmri-6067	18	41	and	and	CCONJ
ajmri-6067	18	42	urban	urban	ADJ
ajmri-6067	18	43	areas	area	NOUN
ajmri-6067	18	44	with	with	ADP
ajmri-6067	18	45	limited	limited	ADJ
ajmri-6067	18	46	access	access	NOUN
ajmri-6067	18	47	to	to	ADP
ajmri-6067	18	48	fringe	fringe	NOUN
ajmri-6067	18	49	banking	banking	NOUN
ajmri-6067	18	50	services	service	NOUN
ajmri-6067	18	51	.	.	PUNCT
ajmri-6067	19	1	however	however	ADV
ajmri-6067	19	2	,	,	PUNCT
ajmri-6067	19	3	the	the	DET
ajmri-6067	19	4	intricacies	intricacy	NOUN
ajmri-6067	19	5	of	of	ADP
ajmri-6067	19	6	financial	financial	ADJ
ajmri-6067	19	7	innovation	innovation	NOUN
ajmri-6067	19	8	remain	remain	VERB
ajmri-6067	19	9	shrouded	shrouded	ADJ
ajmri-6067	19	10	in	in	ADP
ajmri-6067	19	11	mystery	mystery	NOUN
ajmri-6067	19	12	,	,	PUNCT
ajmri-6067	19	13	with	with	ADP
ajmri-6067	19	14	limited	limited	ADJ
ajmri-6067	19	15	understanding	understanding	NOUN
ajmri-6067	19	16	of	of	ADP
ajmri-6067	19	17	its	its	PRON
ajmri-6067	19	18	drivers	driver	NOUN
ajmri-6067	19	19	,	,	PUNCT
ajmri-6067	19	20	mechanisms	mechanism	NOUN
ajmri-6067	19	21	,	,	PUNCT
ajmri-6067	19	22	and	and	CCONJ
ajmri-6067	19	23	risk	risk	NOUN
ajmri-6067	19	24	management	management	NOUN
ajmri-6067	19	25	strategies	strategy	NOUN
ajmri-6067	19	26	.	.	PUNCT
ajmri-6067	20	1	this	this	DET
ajmri-6067	20	2	knowledge	knowledge	NOUN
ajmri-6067	20	3	gap	gap	NOUN
ajmri-6067	20	4	hinders	hinder	VERB
ajmri-6067	20	5	policymakers	policymaker	NOUN
ajmri-6067	20	6	,	,	PUNCT
ajmri-6067	20	7	regulators	regulator	NOUN
ajmri-6067	20	8	,	,	PUNCT
ajmri-6067	20	9	and	and	CCONJ
ajmri-6067	20	10	industry	industry	NOUN
ajmri-6067	20	11	stakeholders	stakeholder	NOUN
ajmri-6067	20	12	from	from	ADP
ajmri-6067	20	13	optimizing	optimize	VERB
ajmri-6067	20	14	financial	financial	ADJ
ajmri-6067	20	15	innovation	innovation	NOUN
ajmri-6067	20	16	’s	’s	PART
ajmri-6067	20	17	potentials	potential	NOUN
ajmri-6067	20	18	.	.	PUNCT
ajmri-6067	21	1	this	this	PRON
ajmri-6067	21	2	could	could	AUX
ajmri-6067	21	3	mean	mean	VERB
ajmri-6067	21	4	that	that	SCONJ
ajmri-6067	21	5	financial	financial	ADJ
ajmri-6067	21	6	management	management	NOUN
ajmri-6067	21	7	firms	firm	NOUN
ajmri-6067	21	8	should	should	AUX
ajmri-6067	21	9	have	have	VERB
ajmri-6067	21	10	some	some	DET
ajmri-6067	21	11	links	link	NOUN
ajmri-6067	21	12	in	in	ADP
ajmri-6067	21	13	the	the	DET
ajmri-6067	21	14	market	market	NOUN
ajmri-6067	21	15	economic	economic	ADJ
ajmri-6067	21	16	system	system	NOUN
ajmri-6067	21	17	to	to	PART
ajmri-6067	21	18	ensure	ensure	VERB
ajmri-6067	21	19	sustainability	sustainability	NOUN
ajmri-6067	21	20	of	of	ADP
ajmri-6067	21	21	these	these	DET
ajmri-6067	21	22	firms	firm	NOUN
ajmri-6067	21	23	.	.	PUNCT
ajmri-6067	22	1	based	base	VERB
ajmri-6067	22	2	on	on	ADP
ajmri-6067	22	3	the	the	DET
ajmri-6067	22	4	above	above	NOUN
ajmri-6067	22	5	,	,	PUNCT
ajmri-6067	22	6	bisultanova	bisultanova	X
ajmri-6067	22	7	et	et	PROPN
ajmri-6067	22	8	al	al	PROPN
ajmri-6067	22	9	.	.	PROPN
ajmri-6067	23	1	(	(	PUNCT
ajmri-6067	23	2	2019	2019	NUM
ajmri-6067	23	3	)	)	PUNCT
ajmri-6067	23	4	argue	argue	VERB
ajmri-6067	23	5	that	that	SCONJ
ajmri-6067	23	6	the	the	DET
ajmri-6067	23	7	task	task	NOUN
ajmri-6067	23	8	of	of	ADP
ajmri-6067	23	9	every	every	DET
ajmri-6067	23	10	company	company	NOUN
ajmri-6067	23	11	is	be	AUX
ajmri-6067	23	12	the	the	DET
ajmri-6067	23	13	planning	planning	NOUN
ajmri-6067	23	14	and	and	CCONJ
ajmri-6067	23	15	the	the	DET
ajmri-6067	23	16	judicially	judicially	ADV
ajmri-6067	23	17	use	use	NOUN
ajmri-6067	23	18	of	of	ADP
ajmri-6067	23	19	its	its	PRON
ajmri-6067	23	20	financial	financial	ADJ
ajmri-6067	23	21	resources	resource	NOUN
ajmri-6067	23	22	in	in	ADP
ajmri-6067	23	23	order	order	NOUN
ajmri-6067	23	24	to	to	PART
ajmri-6067	23	25	improve	improve	VERB
ajmri-6067	23	26	its	its	PRON
ajmri-6067	23	27	creditworthiness	creditworthiness	NOUN
ajmri-6067	23	28	and	and	CCONJ
ajmri-6067	23	29	stability	stability	NOUN
ajmri-6067	23	30	in	in	ADP
ajmri-6067	23	31	the	the	DET
ajmri-6067	23	32	market	market	NOUN
ajmri-6067	23	33	.	.	PUNCT
ajmri-6067	24	1	the	the	DET
ajmri-6067	24	2	development	development	NOUN
ajmri-6067	24	3	of	of	ADP
ajmri-6067	24	4	every	every	DET
ajmri-6067	24	5	financial	financial	ADJ
ajmri-6067	24	6	institution	institution	NOUN
ajmri-6067	24	7	which	which	PRON
ajmri-6067	24	8	includes	include	VERB
ajmri-6067	24	9	banking	banking	NOUN
ajmri-6067	24	10	sector	sector	NOUN
ajmri-6067	24	11	is	be	AUX
ajmri-6067	24	12	hinged	hinge	VERB
ajmri-6067	24	13	on	on	ADP
ajmri-6067	24	14	innovation	innovation	NOUN
ajmri-6067	24	15	and	and	CCONJ
ajmri-6067	24	16	technology	technology	NOUN
ajmri-6067	24	17	,	,	PUNCT
ajmri-6067	24	18	with	with	ADP
ajmri-6067	24	19	more	more	ADJ
ajmri-6067	24	20	granular	granular	ADJ
ajmri-6067	24	21	dimensions	dimension	NOUN
ajmri-6067	24	22	on	on	ADP
ajmri-6067	24	23	the	the	DET
ajmri-6067	24	24	economies	economy	NOUN
ajmri-6067	24	25	where	where	SCONJ
ajmri-6067	24	26	financial	financial	ADJ
ajmri-6067	24	27	market	market	NOUN
ajmri-6067	24	28	is	be	AUX
ajmri-6067	24	29	not	not	PART
ajmri-6067	24	30	strongly	strongly	ADV
ajmri-6067	24	31	developed	develop	VERB
ajmri-6067	24	32	,	,	PUNCT
ajmri-6067	24	33	such	such	ADJ
ajmri-6067	24	34	as	as	ADP
ajmri-6067	24	35	african	african	ADJ
ajmri-6067	24	36	and	and	CCONJ
ajmri-6067	24	37	other	other	ADJ
ajmri-6067	24	38	underdeveloped	underdeveloped	ADJ
ajmri-6067	24	39	world	world	NOUN
ajmri-6067	24	40	.	.	PUNCT
ajmri-6067	25	1	though	though	SCONJ
ajmri-6067	25	2	performance	performance	NOUN
ajmri-6067	25	3	of	of	ADP
ajmri-6067	25	4	financial	financial	ADJ
ajmri-6067	25	5	institutions	institution	NOUN
ajmri-6067	25	6	in	in	ADP
ajmri-6067	25	7	africa	africa	PROPN
ajmri-6067	25	8	have	have	AUX
ajmri-6067	25	9	not	not	PART
ajmri-6067	25	10	been	be	AUX
ajmri-6067	25	11	encouraging	encouraging	ADJ
ajmri-6067	25	12	enough	enough	ADV
ajmri-6067	25	13	,	,	PUNCT
ajmri-6067	25	14	it	it	PRON
ajmri-6067	25	15	is	be	AUX
ajmri-6067	25	16	believed	believe	VERB
ajmri-6067	25	17	that	that	SCONJ
ajmri-6067	25	18	innovativeness	innovativeness	NOUN
ajmri-6067	25	19	1	1	NUM
ajmri-6067	25	20	relationship	relationship	NOUN
ajmri-6067	25	21	manager	manager	NOUN
ajmri-6067	25	22	,	,	PUNCT
ajmri-6067	25	23	zenith	zenith	PROPN
ajmri-6067	25	24	bank	bank	PROPN
ajmri-6067	25	25	ghana	ghana	PROPN
ajmri-6067	25	26	,	,	PUNCT
ajmri-6067	25	27	ghana	ghana	PROPN
ajmri-6067	25	28	2	2	NUM
ajmri-6067	25	29	accra	accra	PROPN
ajmri-6067	25	30	institute	institute	NOUN
ajmri-6067	25	31	of	of	ADP
ajmri-6067	25	32	technology	technology	PROPN
ajmri-6067	25	33	(	(	PUNCT
ajmri-6067	25	34	ait	ait	NOUN
ajmri-6067	25	35	)	)	PUNCT
ajmri-6067	25	36	,	,	PUNCT
ajmri-6067	25	37	ghana	ghana	PROPN
ajmri-6067	25	38	*	*	PUNCT
ajmri-6067	25	39	corresponding	correspond	VERB
ajmri-6067	25	40	author	author	NOUN
ajmri-6067	25	41	’s	’s	PART
ajmri-6067	25	42	e	e	NOUN
ajmri-6067	25	43	-	-	NOUN
ajmri-6067	25	44	mail	mail	NOUN
ajmri-6067	25	45	:	:	PUNCT
ajmri-6067	25	46	francissar582@gmail.com	francissar582@gmail.com	X
ajmri-6067	26	1	pa	pa	PROPN
ajmri-6067	26	2	ge	ge	PROPN
ajmri-6067	26	3	49	49	NUM
ajmri-6067	26	4	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	26	5	am	am	NOUN
ajmri-6067	26	6	.	.	PUNCT
ajmri-6067	27	1	j.	j.	PROPN
ajmri-6067	27	2	multidis	multidis	PROPN
ajmri-6067	27	3	.	.	PUNCT
ajmri-6067	28	1	res	re	NOUN
ajmri-6067	28	2	.	.	PUNCT
ajmri-6067	29	1	innov	innov	PROPN
ajmri-6067	29	2	.	.	PUNCT
ajmri-6067	30	1	4(6	4(6	NUM
ajmri-6067	30	2	)	)	PUNCT
ajmri-6067	30	3	48	48	NUM
ajmri-6067	30	4	-	-	SYM
ajmri-6067	30	5	57	57	NUM
ajmri-6067	30	6	,	,	PUNCT
ajmri-6067	30	7	2025	2025	NUM
ajmri-6067	30	8	could	could	AUX
ajmri-6067	30	9	serve	serve	VERB
ajmri-6067	30	10	as	as	ADP
ajmri-6067	30	11	a	a	DET
ajmri-6067	30	12	strong	strong	ADJ
ajmri-6067	30	13	strategy	strategy	NOUN
ajmri-6067	30	14	to	to	PART
ajmri-6067	30	15	improve	improve	VERB
ajmri-6067	30	16	performance	performance	NOUN
ajmri-6067	30	17	within	within	ADP
ajmri-6067	30	18	the	the	DET
ajmri-6067	30	19	african	african	ADJ
ajmri-6067	30	20	states	state	NOUN
ajmri-6067	30	21	.	.	PUNCT
ajmri-6067	31	1	this	this	PRON
ajmri-6067	31	2	should	should	AUX
ajmri-6067	31	3	base	base	VERB
ajmri-6067	31	4	on	on	ADP
ajmri-6067	31	5	empirical	empirical	ADJ
ajmri-6067	31	6	findings	finding	NOUN
ajmri-6067	31	7	which	which	PRON
ajmri-6067	31	8	are	be	AUX
ajmri-6067	31	9	less	less	ADV
ajmri-6067	31	10	ambiguous	ambiguous	ADJ
ajmri-6067	31	11	giving	give	VERB
ajmri-6067	31	12	their	their	PRON
ajmri-6067	31	13	conditions	condition	NOUN
ajmri-6067	31	14	in	in	ADP
ajmri-6067	31	15	the	the	DET
ajmri-6067	31	16	financial	financial	ADJ
ajmri-6067	31	17	markets	market	NOUN
ajmri-6067	31	18	.	.	PUNCT
ajmri-6067	32	1	with	with	ADP
ajmri-6067	32	2	this	this	DET
ajmri-6067	32	3	background	background	NOUN
ajmri-6067	32	4	,	,	PUNCT
ajmri-6067	32	5	it	it	PRON
ajmri-6067	32	6	is	be	AUX
ajmri-6067	32	7	clear	clear	ADJ
ajmri-6067	32	8	that	that	SCONJ
ajmri-6067	32	9	banks	bank	NOUN
ajmri-6067	32	10	would	would	AUX
ajmri-6067	32	11	play	play	VERB
ajmri-6067	32	12	a	a	DET
ajmri-6067	32	13	significant	significant	ADJ
ajmri-6067	32	14	role	role	NOUN
ajmri-6067	32	15	in	in	ADP
ajmri-6067	32	16	the	the	DET
ajmri-6067	32	17	economic	economic	ADJ
ajmri-6067	32	18	development	development	NOUN
ajmri-6067	32	19	of	of	ADP
ajmri-6067	32	20	every	every	DET
ajmri-6067	32	21	country	country	NOUN
ajmri-6067	32	22	in	in	ADP
ajmri-6067	32	23	africa	africa	PROPN
ajmri-6067	32	24	including	include	VERB
ajmri-6067	32	25	ghana	ghana	PROPN
ajmri-6067	32	26	.	.	PUNCT
ajmri-6067	33	1	defining	define	VERB
ajmri-6067	33	2	what	what	PRON
ajmri-6067	33	3	economists	economist	NOUN
ajmri-6067	33	4	mean	mean	VERB
ajmri-6067	33	5	by	by	ADP
ajmri-6067	33	6	innovation	innovation	NOUN
ajmri-6067	33	7	,	,	PUNCT
ajmri-6067	33	8	the	the	DET
ajmri-6067	33	9	researcher	researcher	NOUN
ajmri-6067	33	10	seeks	seek	VERB
ajmri-6067	33	11	to	to	PART
ajmri-6067	33	12	focus	focus	VERB
ajmri-6067	33	13	on	on	ADP
ajmri-6067	33	14	the	the	DET
ajmri-6067	33	15	two	two	NUM
ajmri-6067	33	16	main	main	ADJ
ajmri-6067	33	17	types	type	NOUN
ajmri-6067	33	18	of	of	ADP
ajmri-6067	33	19	innovation	innovation	NOUN
ajmri-6067	33	20	which	which	PRON
ajmri-6067	33	21	are	be	AUX
ajmri-6067	33	22	“	"	PUNCT
ajmri-6067	33	23	product	product	NOUN
ajmri-6067	33	24	and	and	CCONJ
ajmri-6067	33	25	process	process	NOUN
ajmri-6067	33	26	”	"	PUNCT
ajmri-6067	33	27	.	.	PUNCT
ajmri-6067	34	1	the	the	DET
ajmri-6067	34	2	term	term	NOUN
ajmri-6067	34	3	innovation	innovation	NOUN
ajmri-6067	34	4	is	be	AUX
ajmri-6067	34	5	seen	see	VERB
ajmri-6067	34	6	as	as	ADP
ajmri-6067	34	7	the	the	DET
ajmri-6067	34	8	single	single	ADJ
ajmri-6067	34	9	most	most	ADV
ajmri-6067	34	10	important	important	ADJ
ajmri-6067	34	11	capability	capability	NOUN
ajmri-6067	34	12	for	for	ADP
ajmri-6067	34	13	organizations	organization	NOUN
ajmri-6067	34	14	and	and	CCONJ
ajmri-6067	34	15	individuals	individual	NOUN
ajmri-6067	34	16	all	all	ADV
ajmri-6067	34	17	over	over	ADP
ajmri-6067	34	18	the	the	DET
ajmri-6067	34	19	world	world	NOUN
ajmri-6067	34	20	.	.	PUNCT
ajmri-6067	35	1	in	in	ADP
ajmri-6067	35	2	financial	financial	ADJ
ajmri-6067	35	3	services	service	NOUN
ajmri-6067	35	4	,	,	PUNCT
ajmri-6067	35	5	the	the	DET
ajmri-6067	35	6	development	development	NOUN
ajmri-6067	35	7	and	and	CCONJ
ajmri-6067	35	8	applications	application	NOUN
ajmri-6067	35	9	of	of	ADP
ajmri-6067	35	10	modern	modern	ADJ
ajmri-6067	35	11	technologies	technology	NOUN
ajmri-6067	35	12	are	be	AUX
ajmri-6067	35	13	steadily	steadily	ADV
ajmri-6067	35	14	transforming	transform	VERB
ajmri-6067	35	15	the	the	DET
ajmri-6067	35	16	way	way	NOUN
ajmri-6067	35	17	banks	bank	NOUN
ajmri-6067	35	18	do	do	VERB
ajmri-6067	35	19	business	business	NOUN
ajmri-6067	35	20	and	and	CCONJ
ajmri-6067	35	21	deliver	deliver	VERB
ajmri-6067	35	22	services	service	NOUN
ajmri-6067	35	23	to	to	ADP
ajmri-6067	35	24	their	their	PRON
ajmri-6067	35	25	clients	client	NOUN
ajmri-6067	35	26	.	.	PUNCT
ajmri-6067	36	1	the	the	DET
ajmri-6067	36	2	study	study	NOUN
ajmri-6067	36	3	“	"	PUNCT
ajmri-6067	36	4	unlocking	unlock	VERB
ajmri-6067	36	5	the	the	DET
ajmri-6067	36	6	black	black	ADJ
ajmri-6067	36	7	box	box	NOUN
ajmri-6067	36	8	of	of	ADP
ajmri-6067	36	9	financial	financial	ADJ
ajmri-6067	36	10	innovation	innovation	NOUN
ajmri-6067	36	11	:	:	PUNCT
ajmri-6067	36	12	a	a	DET
ajmri-6067	36	13	case	case	NOUN
ajmri-6067	36	14	study	study	NOUN
ajmri-6067	36	15	of	of	ADP
ajmri-6067	36	16	banking	banking	NOUN
ajmri-6067	36	17	institutions	institution	NOUN
ajmri-6067	36	18	in	in	ADP
ajmri-6067	36	19	the	the	DET
ajmri-6067	36	20	eastern	eastern	ADJ
ajmri-6067	36	21	region	region	NOUN
ajmri-6067	36	22	of	of	ADP
ajmri-6067	36	23	ghana	ghana	PROPN
ajmri-6067	36	24	”	"	PUNCT
ajmri-6067	36	25	argues	argue	VERB
ajmri-6067	36	26	that	that	SCONJ
ajmri-6067	36	27	within	within	ADP
ajmri-6067	36	28	the	the	DET
ajmri-6067	36	29	context	context	NOUN
ajmri-6067	36	30	of	of	ADP
ajmri-6067	36	31	the	the	DET
ajmri-6067	36	32	rapidly	rapidly	ADV
ajmri-6067	36	33	changing	change	VERB
ajmri-6067	36	34	business	business	NOUN
ajmri-6067	36	35	environment	environment	NOUN
ajmri-6067	36	36	,	,	PUNCT
ajmri-6067	36	37	simplification	simplification	NOUN
ajmri-6067	36	38	,	,	PUNCT
ajmri-6067	36	39	stringent	stringent	ADJ
ajmri-6067	36	40	risk	risk	NOUN
ajmri-6067	36	41	management	management	NOUN
ajmri-6067	36	42	,	,	PUNCT
ajmri-6067	36	43	and	and	CCONJ
ajmri-6067	36	44	innovative	innovative	ADJ
ajmri-6067	36	45	mindset	mindset	NOUN
ajmri-6067	36	46	should	should	AUX
ajmri-6067	36	47	be	be	AUX
ajmri-6067	36	48	considered	consider	VERB
ajmri-6067	36	49	as	as	ADP
ajmri-6067	36	50	a	a	DET
ajmri-6067	36	51	tool	tool	NOUN
ajmri-6067	36	52	for	for	ADP
ajmri-6067	36	53	adaptive	adaptive	ADJ
ajmri-6067	36	54	capabilities	capability	NOUN
ajmri-6067	36	55	.	.	PUNCT
ajmri-6067	37	1	agreeing	agree	VERB
ajmri-6067	37	2	with	with	ADP
ajmri-6067	37	3	anderson	anderson	PROPN
ajmri-6067	37	4	et	et	PROPN
ajmri-6067	37	5	al	al	PROPN
ajmri-6067	37	6	.	.	PROPN
ajmri-6067	38	1	(	(	PUNCT
ajmri-6067	38	2	2014	2014	NUM
ajmri-6067	38	3	)	)	PUNCT
ajmri-6067	38	4	who	who	PRON
ajmri-6067	38	5	argue	argue	VERB
ajmri-6067	38	6	that	that	SCONJ
ajmri-6067	38	7	“	"	PUNCT
ajmri-6067	38	8	an	an	DET
ajmri-6067	38	9	innovative	innovative	ADJ
ajmri-6067	38	10	mind	mind	NOUN
ajmri-6067	38	11	-	-	PUNCT
ajmri-6067	38	12	set	set	VERB
ajmri-6067	38	13	enables	enable	VERB
ajmri-6067	38	14	proactive	proactive	ADJ
ajmri-6067	38	15	approaches	approach	NOUN
ajmri-6067	38	16	,	,	PUNCT
ajmri-6067	38	17	foster	foster	ADJ
ajmri-6067	38	18	collaboration	collaboration	NOUN
ajmri-6067	38	19	,	,	PUNCT
ajmri-6067	38	20	and	and	CCONJ
ajmri-6067	38	21	facilitates	facilitate	VERB
ajmri-6067	38	22	flexibility	flexibility	NOUN
ajmri-6067	38	23	,	,	PUNCT
ajmri-6067	38	24	resilience	resilience	NOUN
ajmri-6067	38	25	,	,	PUNCT
ajmri-6067	38	26	and	and	CCONJ
ajmri-6067	38	27	agility	agility	NOUN
ajmri-6067	38	28	”	"	PUNCT
ajmri-6067	38	29	.	.	PUNCT
ajmri-6067	39	1	as	as	ADP
ajmri-6067	39	2	a	a	DET
ajmri-6067	39	3	powerful	powerful	ADJ
ajmri-6067	39	4	tool	tool	NOUN
ajmri-6067	39	5	for	for	ADP
ajmri-6067	39	6	adaptive	adaptive	ADJ
ajmri-6067	39	7	capabilities	capability	NOUN
ajmri-6067	39	8	,	,	PUNCT
ajmri-6067	39	9	it	it	PRON
ajmri-6067	39	10	allows	allow	VERB
ajmri-6067	39	11	individuals	individual	NOUN
ajmri-6067	39	12	and	and	CCONJ
ajmri-6067	39	13	organizations	organization	NOUN
ajmri-6067	39	14	to	to	PART
ajmri-6067	39	15	thrive	thrive	VERB
ajmri-6067	39	16	in	in	ADP
ajmri-6067	39	17	a	a	DET
ajmri-6067	39	18	dynamic	dynamic	ADJ
ajmri-6067	39	19	environment	environment	NOUN
ajmri-6067	39	20	,	,	PUNCT
ajmri-6067	39	21	anticipate	anticipate	VERB
ajmri-6067	39	22	challenges	challenge	NOUN
ajmri-6067	39	23	,	,	PUNCT
ajmri-6067	39	24	and	and	CCONJ
ajmri-6067	39	25	capitalize	capitalize	VERB
ajmri-6067	39	26	on	on	ADP
ajmri-6067	39	27	opportunities	opportunity	NOUN
ajmri-6067	39	28	.	.	PUNCT
ajmri-6067	40	1	research	research	NOUN
ajmri-6067	40	2	questions	question	NOUN
ajmri-6067	40	3	the	the	DET
ajmri-6067	40	4	research	research	NOUN
ajmri-6067	40	5	questions	question	NOUN
ajmri-6067	40	6	that	that	PRON
ajmri-6067	40	7	specifically	specifically	ADV
ajmri-6067	40	8	buttress	buttres	VERB
ajmri-6067	40	9	the	the	DET
ajmri-6067	40	10	main	main	ADJ
ajmri-6067	40	11	objective	objective	NOUN
ajmri-6067	40	12	are	be	AUX
ajmri-6067	40	13	as	as	ADV
ajmri-6067	40	14	follow	follow	VERB
ajmri-6067	40	15	•	•	NOUN
ajmri-6067	41	1	what	what	PRON
ajmri-6067	41	2	are	be	AUX
ajmri-6067	41	3	the	the	DET
ajmri-6067	41	4	effects	effect	NOUN
ajmri-6067	41	5	of	of	ADP
ajmri-6067	41	6	innovation	innovation	NOUN
ajmri-6067	41	7	on	on	ADP
ajmri-6067	41	8	the	the	DET
ajmri-6067	41	9	banking	banking	NOUN
ajmri-6067	41	10	sector	sector	NOUN
ajmri-6067	41	11	in	in	ADP
ajmri-6067	41	12	ghana	ghana	PROPN
ajmri-6067	41	13	?	?	PUNCT
ajmri-6067	42	1	•	•	NUM
ajmri-6067	42	2	what	what	PRON
ajmri-6067	42	3	are	be	AUX
ajmri-6067	42	4	the	the	DET
ajmri-6067	42	5	key	key	ADJ
ajmri-6067	42	6	forms	form	NOUN
ajmri-6067	42	7	of	of	ADP
ajmri-6067	42	8	resistance	resistance	NOUN
ajmri-6067	42	9	to	to	ADP
ajmri-6067	42	10	innovativeness	innovativeness	NOUN
ajmri-6067	42	11	in	in	ADP
ajmri-6067	42	12	financial	financial	ADJ
ajmri-6067	42	13	institutions	institution	NOUN
ajmri-6067	42	14	in	in	ADP
ajmri-6067	42	15	ghana	ghana	PROPN
ajmri-6067	42	16	?	?	PUNCT
ajmri-6067	43	1	•	•	NUM
ajmri-6067	43	2	what	what	PRON
ajmri-6067	43	3	are	be	AUX
ajmri-6067	43	4	the	the	DET
ajmri-6067	43	5	key	key	ADJ
ajmri-6067	43	6	triggers	trigger	NOUN
ajmri-6067	43	7	of	of	ADP
ajmri-6067	43	8	resistance	resistance	NOUN
ajmri-6067	43	9	to	to	ADP
ajmri-6067	43	10	innovativeness	innovativeness	NOUN
ajmri-6067	43	11	in	in	ADP
ajmri-6067	43	12	financial	financial	ADJ
ajmri-6067	43	13	organizations	organization	NOUN
ajmri-6067	43	14	in	in	ADP
ajmri-6067	43	15	ghana	ghana	PROPN
ajmri-6067	43	16	?	?	PUNCT
ajmri-6067	44	1	primary	primary	ADJ
ajmri-6067	44	2	objective	objective	NOUN
ajmri-6067	44	3	the	the	DET
ajmri-6067	44	4	study	study	NOUN
ajmri-6067	44	5	seeks	seek	VERB
ajmri-6067	44	6	to	to	PART
ajmri-6067	44	7	assess	assess	VERB
ajmri-6067	44	8	how	how	SCONJ
ajmri-6067	44	9	innovation	innovation	NOUN
ajmri-6067	44	10	practices	practice	VERB
ajmri-6067	44	11	influence	influence	NOUN
ajmri-6067	44	12	performance	performance	NOUN
ajmri-6067	44	13	of	of	ADP
ajmri-6067	44	14	the	the	DET
ajmri-6067	44	15	banking	banking	NOUN
ajmri-6067	44	16	sector	sector	NOUN
ajmri-6067	44	17	in	in	ADP
ajmri-6067	44	18	ghana	ghana	PROPN
ajmri-6067	44	19	using	use	VERB
ajmri-6067	44	20	eastern	eastern	ADJ
ajmri-6067	44	21	region	region	NOUN
ajmri-6067	44	22	of	of	ADP
ajmri-6067	44	23	ghana	ghana	PROPN
ajmri-6067	44	24	as	as	ADP
ajmri-6067	44	25	a	a	DET
ajmri-6067	44	26	case	case	NOUN
ajmri-6067	44	27	study	study	NOUN
ajmri-6067	44	28	specific	specific	ADJ
ajmri-6067	44	29	objectives	objective	NOUN
ajmri-6067	44	30	the	the	DET
ajmri-6067	44	31	specific	specific	ADJ
ajmri-6067	44	32	objectives	objective	NOUN
ajmri-6067	44	33	of	of	ADP
ajmri-6067	44	34	the	the	DET
ajmri-6067	44	35	study	study	NOUN
ajmri-6067	44	36	include	include	VERB
ajmri-6067	44	37	to	to	PART
ajmri-6067	44	38	:	:	PUNCT
ajmri-6067	44	39	•	•	ADP
ajmri-6067	44	40	to	to	PART
ajmri-6067	44	41	examine	examine	VERB
ajmri-6067	44	42	the	the	DET
ajmri-6067	44	43	effects	effect	NOUN
ajmri-6067	44	44	of	of	ADP
ajmri-6067	44	45	innovation	innovation	NOUN
ajmri-6067	44	46	on	on	ADP
ajmri-6067	44	47	banking	banking	NOUN
ajmri-6067	44	48	sector	sector	NOUN
ajmri-6067	44	49	in	in	ADP
ajmri-6067	44	50	ghana	ghana	PROPN
ajmri-6067	44	51	.	.	PUNCT
ajmri-6067	45	1	•	•	ADP
ajmri-6067	45	2	to	to	PART
ajmri-6067	45	3	examine	examine	VERB
ajmri-6067	45	4	different	different	ADJ
ajmri-6067	45	5	forms	form	NOUN
ajmri-6067	45	6	of	of	ADP
ajmri-6067	45	7	resistances	resistance	NOUN
ajmri-6067	45	8	to	to	ADP
ajmri-6067	45	9	innovativeness	innovativeness	NOUN
ajmri-6067	45	10	in	in	ADP
ajmri-6067	45	11	financial	financial	ADJ
ajmri-6067	45	12	institution	institution	NOUN
ajmri-6067	45	13	.	.	PUNCT
ajmri-6067	46	1	•	•	INTJ
ajmri-6067	46	2	to	to	PART
ajmri-6067	46	3	analyze	analyze	VERB
ajmri-6067	46	4	the	the	DET
ajmri-6067	46	5	key	key	ADJ
ajmri-6067	46	6	triggers	trigger	NOUN
ajmri-6067	46	7	of	of	ADP
ajmri-6067	46	8	resistance	resistance	NOUN
ajmri-6067	46	9	to	to	ADP
ajmri-6067	46	10	innovative	innovative	ADJ
ajmri-6067	46	11	mind	mind	NOUN
ajmri-6067	46	12	-	-	PUNCT
ajmri-6067	46	13	set	set	NOUN
ajmri-6067	46	14	in	in	ADP
ajmri-6067	46	15	the	the	DET
ajmri-6067	46	16	financial	financial	ADJ
ajmri-6067	46	17	organisations	organisation	NOUN
ajmri-6067	46	18	.	.	PUNCT
ajmri-6067	47	1	in	in	ADP
ajmri-6067	47	2	furtherance	furtherance	NOUN
ajmri-6067	47	3	to	to	ADP
ajmri-6067	47	4	the	the	DET
ajmri-6067	47	5	above	above	NOUN
ajmri-6067	47	6	,	,	PUNCT
ajmri-6067	47	7	the	the	DET
ajmri-6067	47	8	study	study	NOUN
ajmri-6067	47	9	leads	lead	VERB
ajmri-6067	47	10	to	to	ADP
ajmri-6067	47	11	the	the	DET
ajmri-6067	47	12	development	development	NOUN
ajmri-6067	47	13	of	of	ADP
ajmri-6067	47	14	recommendation	recommendation	NOUN
ajmri-6067	47	15	for	for	ADP
ajmri-6067	47	16	policy	policy	NOUN
ajmri-6067	47	17	makers	maker	NOUN
ajmri-6067	47	18	;	;	PUNCT
ajmri-6067	47	19	guidelines	guideline	NOUN
ajmri-6067	47	20	to	to	PART
ajmri-6067	47	21	encourage	encourage	VERB
ajmri-6067	47	22	business	business	NOUN
ajmri-6067	47	23	incubation	incubation	NOUN
ajmri-6067	47	24	and	and	CCONJ
ajmri-6067	47	25	acceleration	acceleration	NOUN
ajmri-6067	47	26	in	in	ADP
ajmri-6067	47	27	ghana	ghana	PROPN
ajmri-6067	47	28	scope	scope	NOUN
ajmri-6067	47	29	and	and	CCONJ
ajmri-6067	47	30	significant	significant	ADJ
ajmri-6067	47	31	of	of	ADP
ajmri-6067	47	32	the	the	DET
ajmri-6067	47	33	study	study	NOUN
ajmri-6067	47	34	this	this	DET
ajmri-6067	47	35	study	study	NOUN
ajmri-6067	47	36	covers	cover	VERB
ajmri-6067	47	37	the	the	DET
ajmri-6067	47	38	eastern	eastern	ADJ
ajmri-6067	47	39	region	region	NOUN
ajmri-6067	47	40	of	of	ADP
ajmri-6067	47	41	ghana	ghana	PROPN
ajmri-6067	47	42	,	,	PUNCT
ajmri-6067	47	43	targeting	target	VERB
ajmri-6067	47	44	banks	bank	NOUN
ajmri-6067	47	45	and	and	CCONJ
ajmri-6067	47	46	other	other	ADJ
ajmri-6067	47	47	financial	financial	ADJ
ajmri-6067	47	48	institutions	institution	NOUN
ajmri-6067	47	49	such	such	ADJ
ajmri-6067	47	50	as	as	ADP
ajmri-6067	47	51	microfinance	microfinance	NOUN
ajmri-6067	47	52	,	,	PUNCT
ajmri-6067	47	53	insurance	insurance	NOUN
ajmri-6067	47	54	and	and	CCONJ
ajmri-6067	47	55	other	other	ADJ
ajmri-6067	47	56	smes	sme	NOUN
ajmri-6067	47	57	with	with	ADP
ajmri-6067	47	58	research	research	NOUN
ajmri-6067	47	59	product	product	NOUN
ajmri-6067	47	60	that	that	PRON
ajmri-6067	47	61	seeks	seek	VERB
ajmri-6067	47	62	to	to	PART
ajmri-6067	47	63	enhance	enhance	VERB
ajmri-6067	47	64	service	service	NOUN
ajmri-6067	47	65	efficiency	efficiency	NOUN
ajmri-6067	47	66	.	.	PUNCT
ajmri-6067	48	1	the	the	DET
ajmri-6067	48	2	study	study	NOUN
ajmri-6067	48	3	suggests	suggest	VERB
ajmri-6067	48	4	that	that	SCONJ
ajmri-6067	48	5	there	there	PRON
ajmri-6067	48	6	is	be	VERB
ajmri-6067	48	7	lack	lack	NOUN
ajmri-6067	48	8	of	of	ADP
ajmri-6067	48	9	innovativeness	innovativeness	NOUN
ajmri-6067	48	10	in	in	ADP
ajmri-6067	48	11	financial	financial	ADJ
ajmri-6067	48	12	businesses	business	NOUN
ajmri-6067	48	13	,	,	PUNCT
ajmri-6067	48	14	which	which	PRON
ajmri-6067	48	15	in	in	ADP
ajmri-6067	48	16	a	a	DET
ajmri-6067	48	17	nutshell	nutshell	NOUN
ajmri-6067	48	18	contributes	contribute	VERB
ajmri-6067	48	19	to	to	ADP
ajmri-6067	48	20	negative	negative	ADJ
ajmri-6067	48	21	performance	performance	NOUN
ajmri-6067	48	22	of	of	ADP
ajmri-6067	48	23	many	many	ADJ
ajmri-6067	48	24	institutions	institution	NOUN
ajmri-6067	48	25	in	in	ADP
ajmri-6067	48	26	ghana	ghana	PROPN
ajmri-6067	48	27	.	.	PUNCT
ajmri-6067	49	1	the	the	DET
ajmri-6067	49	2	inefficiency	inefficiency	NOUN
ajmri-6067	49	3	in	in	ADP
ajmri-6067	49	4	these	these	DET
ajmri-6067	49	5	institutions	institution	NOUN
ajmri-6067	49	6	negate	negate	VERB
ajmri-6067	49	7	the	the	DET
ajmri-6067	49	8	reluctances	reluctance	NOUN
ajmri-6067	49	9	on	on	ADP
ajmri-6067	49	10	the	the	DET
ajmri-6067	49	11	part	part	NOUN
ajmri-6067	49	12	of	of	ADP
ajmri-6067	49	13	ghanaians	ghanaians	PROPN
ajmri-6067	49	14	to	to	PART
ajmri-6067	49	15	deposit	deposit	VERB
ajmri-6067	49	16	in	in	ADP
ajmri-6067	49	17	banks	bank	NOUN
ajmri-6067	49	18	,	,	PUNCT
ajmri-6067	49	19	exhibited	exhibit	VERB
ajmri-6067	49	20	among	among	ADP
ajmri-6067	49	21	individuals	individual	NOUN
ajmri-6067	49	22	ghanaians	ghanaians	PROPN
ajmri-6067	49	23	and	and	CCONJ
ajmri-6067	49	24	beyond	beyond	ADP
ajmri-6067	49	25	.	.	PUNCT
ajmri-6067	50	1	the	the	DET
ajmri-6067	50	2	research	research	NOUN
ajmri-6067	50	3	topic	topic	NOUN
ajmri-6067	50	4	;	;	PUNCT
ajmri-6067	50	5	“	"	PUNCT
ajmri-6067	50	6	unpacking	unpack	VERB
ajmri-6067	50	7	the	the	DET
ajmri-6067	50	8	black	black	ADJ
ajmri-6067	50	9	box	box	PROPN
ajmri-6067	50	10	of	of	ADP
ajmri-6067	50	11	financial	financial	ADJ
ajmri-6067	50	12	innovation	innovation	NOUN
ajmri-6067	50	13	:	:	PUNCT
ajmri-6067	50	14	a	a	DET
ajmri-6067	50	15	comparative	comparative	ADJ
ajmri-6067	50	16	study	study	NOUN
ajmri-6067	50	17	of	of	ADP
ajmri-6067	50	18	banking	banking	NOUN
ajmri-6067	50	19	institution	institution	NOUN
ajmri-6067	50	20	in	in	ADP
ajmri-6067	50	21	ghana	ghana	PROPN
ajmri-6067	50	22	”	"	PUNCT
ajmri-6067	50	23	is	be	AUX
ajmri-6067	50	24	critical	critical	ADJ
ajmri-6067	50	25	as	as	SCONJ
ajmri-6067	50	26	the	the	DET
ajmri-6067	50	27	phenomena	phenomenon	NOUN
ajmri-6067	50	28	of	of	ADP
ajmri-6067	50	29	lack	lack	NOUN
ajmri-6067	50	30	of	of	ADP
ajmri-6067	50	31	innovation	innovation	NOUN
ajmri-6067	50	32	in	in	ADP
ajmri-6067	50	33	most	most	ADJ
ajmri-6067	50	34	financial	financial	ADJ
ajmri-6067	50	35	institution	institution	NOUN
ajmri-6067	50	36	has	have	AUX
ajmri-6067	50	37	become	become	VERB
ajmri-6067	50	38	awkward	awkward	ADJ
ajmri-6067	50	39	to	to	ADP
ajmri-6067	50	40	the	the	DET
ajmri-6067	50	41	extent	extent	NOUN
ajmri-6067	50	42	that	that	SCONJ
ajmri-6067	50	43	researchers	researcher	NOUN
ajmri-6067	50	44	must	must	AUX
ajmri-6067	50	45	be	be	AUX
ajmri-6067	50	46	encouraged	encourage	VERB
ajmri-6067	50	47	to	to	PART
ajmri-6067	50	48	make	make	VERB
ajmri-6067	50	49	conscious	conscious	ADJ
ajmri-6067	50	50	effort	effort	NOUN
ajmri-6067	50	51	to	to	PART
ajmri-6067	50	52	resolve	resolve	VERB
ajmri-6067	50	53	it	it	PRON
ajmri-6067	50	54	now	now	ADV
ajmri-6067	50	55	and	and	CCONJ
ajmri-6067	50	56	beyond	beyond	ADP
ajmri-6067	50	57	.	.	PUNCT
ajmri-6067	51	1	literature	literature	NOUN
ajmri-6067	51	2	review	review	VERB
ajmri-6067	51	3	the	the	DET
ajmri-6067	51	4	study	study	NOUN
ajmri-6067	51	5	hinged	hinge	VERB
ajmri-6067	51	6	on	on	ADP
ajmri-6067	51	7	growth	growth	NOUN
ajmri-6067	51	8	mind	mind	NOUN
ajmri-6067	51	9	-	-	PUNCT
ajmri-6067	51	10	set	set	VERB
ajmri-6067	51	11	theory	theory	NOUN
ajmri-6067	51	12	developed	develop	VERB
ajmri-6067	51	13	by	by	ADP
ajmri-6067	51	14	dweck	dweck	PROPN
ajmri-6067	51	15	c.	c.	PROPN
ajmri-6067	51	16	s.	s.	PROPN
ajmri-6067	51	17	,	,	PUNCT
ajmri-6067	51	18	(	(	PUNCT
ajmri-6067	51	19	2006	2006	NUM
ajmri-6067	51	20	)	)	PUNCT
ajmri-6067	51	21	,	,	PUNCT
ajmri-6067	51	22	an	an	DET
ajmri-6067	51	23	important	important	ADJ
ajmri-6067	51	24	theory	theory	NOUN
ajmri-6067	51	25	that	that	PRON
ajmri-6067	51	26	postulates	postulate	VERB
ajmri-6067	51	27	that	that	SCONJ
ajmri-6067	51	28	individual	individual	NOUN
ajmri-6067	51	29	’s	’s	PART
ajmri-6067	51	30	ability	ability	NOUN
ajmri-6067	51	31	and	and	CCONJ
ajmri-6067	51	32	intelligence	intelligence	NOUN
ajmri-6067	51	33	can	can	AUX
ajmri-6067	51	34	be	be	AUX
ajmri-6067	51	35	developed	develop	VERB
ajmri-6067	51	36	through	through	ADP
ajmri-6067	51	37	dedication	dedication	NOUN
ajmri-6067	51	38	,	,	PUNCT
ajmri-6067	51	39	hardworking	hardworking	ADJ
ajmri-6067	51	40	,	,	PUNCT
ajmri-6067	51	41	and	and	CCONJ
ajmri-6067	51	42	persistence	persistence	NOUN
ajmri-6067	51	43	.	.	PUNCT
ajmri-6067	52	1	the	the	DET
ajmri-6067	52	2	theory	theory	NOUN
ajmri-6067	52	3	emphasizes	emphasize	VERB
ajmri-6067	52	4	the	the	DET
ajmri-6067	52	5	importance	importance	NOUN
ajmri-6067	52	6	of	of	ADP
ajmri-6067	52	7	growth	growth	NOUN
ajmri-6067	52	8	mind	mind	NOUN
ajmri-6067	52	9	-	-	PUNCT
ajmri-6067	52	10	set	set	NOUN
ajmri-6067	52	11	in	in	ADP
ajmri-6067	52	12	fostering	foster	VERB
ajmri-6067	52	13	innovation	innovation	NOUN
ajmri-6067	52	14	,	,	PUNCT
ajmri-6067	52	15	learning	learning	NOUN
ajmri-6067	52	16	,	,	PUNCT
ajmri-6067	52	17	and	and	CCONJ
ajmri-6067	52	18	personal	personal	ADJ
ajmri-6067	52	19	growth	growth	NOUN
ajmri-6067	52	20	among	among	ADP
ajmri-6067	52	21	others	other	NOUN
ajmri-6067	52	22	.	.	PUNCT
ajmri-6067	53	1	the	the	DET
ajmri-6067	53	2	key	key	ADJ
ajmri-6067	53	3	components	component	NOUN
ajmri-6067	53	4	of	of	ADP
ajmri-6067	53	5	the	the	DET
ajmri-6067	53	6	theory	theory	NOUN
ajmri-6067	53	7	include	include	VERB
ajmri-6067	53	8	growth	growth	NOUN
ajmri-6067	53	9	orientation	orientation	NOUN
ajmri-6067	53	10	,	,	PUNCT
ajmri-6067	53	11	learning	learn	VERB
ajmri-6067	53	12	from	from	ADP
ajmri-6067	53	13	failure	failure	NOUN
ajmri-6067	53	14	,	,	PUNCT
ajmri-6067	53	15	persistence	persistence	NOUN
ajmri-6067	53	16	,	,	PUNCT
ajmri-6067	53	17	feedback	feedback	NOUN
ajmri-6067	53	18	and	and	CCONJ
ajmri-6067	53	19	continuous	continuous	ADJ
ajmri-6067	53	20	learning	learning	NOUN
ajmri-6067	53	21	.	.	PUNCT
ajmri-6067	54	1	the	the	DET
ajmri-6067	54	2	theory	theory	NOUN
ajmri-6067	54	3	has	have	VERB
ajmri-6067	54	4	both	both	DET
ajmri-6067	54	5	strengths	strength	NOUN
ajmri-6067	54	6	and	and	CCONJ
ajmri-6067	54	7	weaknesses	weakness	NOUN
ajmri-6067	54	8	that	that	PRON
ajmri-6067	54	9	require	require	VERB
ajmri-6067	54	10	critical	critical	ADJ
ajmri-6067	54	11	attention	attention	NOUN
ajmri-6067	54	12	.	.	PUNCT
ajmri-6067	55	1	its	its	PRON
ajmri-6067	55	2	strength	strength	NOUN
ajmri-6067	55	3	includes	include	VERB
ajmri-6067	55	4	resilience	resilience	NOUN
ajmri-6067	55	5	,	,	PUNCT
ajmri-6067	55	6	encouragement	encouragement	NOUN
ajmri-6067	55	7	,	,	PUNCT
ajmri-6067	55	8	fostering	foster	VERB
ajmri-6067	55	9	of	of	ADP
ajmri-6067	55	10	innovation	innovation	NOUN
ajmri-6067	55	11	,	,	PUNCT
ajmri-6067	55	12	promoting	promote	VERB
ajmri-6067	55	13	adaptability	adaptability	NOUN
ajmri-6067	55	14	,	,	PUNCT
ajmri-6067	55	15	and	and	CCONJ
ajmri-6067	55	16	enhancing	enhance	VERB
ajmri-6067	55	17	motivation	motivation	NOUN
ajmri-6067	55	18	.	.	PUNCT
ajmri-6067	56	1	while	while	SCONJ
ajmri-6067	56	2	its	its	PRON
ajmri-6067	56	3	weaknesses	weakness	NOUN
ajmri-6067	56	4	focus	focus	VERB
ajmri-6067	56	5	on	on	ADP
ajmri-6067	56	6	overemphasis	overemphasis	NOUN
ajmri-6067	56	7	on	on	ADP
ajmri-6067	56	8	individual	individual	ADJ
ajmri-6067	56	9	effort	effort	NOUN
ajmri-6067	56	10	,	,	PUNCT
ajmri-6067	56	11	potential	potential	NOUN
ajmri-6067	56	12	for	for	ADP
ajmri-6067	56	13	burning	burning	NOUN
ajmri-6067	56	14	,	,	PUNCT
ajmri-6067	56	15	difficulty	difficulty	NOUN
ajmri-6067	56	16	in	in	ADP
ajmri-6067	56	17	measuring	measure	VERB
ajmri-6067	56	18	progress	progress	NOUN
ajmri-6067	56	19	.	.	PUNCT
ajmri-6067	57	1	by	by	ADP
ajmri-6067	57	2	understanding	understanding	NOUN
ajmri-6067	57	3	and	and	CCONJ
ajmri-6067	57	4	applying	apply	VERB
ajmri-6067	57	5	the	the	DET
ajmri-6067	57	6	growth	growth	NOUN
ajmri-6067	57	7	mind	mind	NOUN
ajmri-6067	57	8	-	-	PUNCT
ajmri-6067	57	9	set	set	VERB
ajmri-6067	57	10	theory	theory	NOUN
ajmri-6067	57	11	,	,	PUNCT
ajmri-6067	57	12	individuals	individual	NOUN
ajmri-6067	57	13	and	and	CCONJ
ajmri-6067	57	14	policy	policy	NOUN
ajmri-6067	57	15	makers	maker	NOUN
ajmri-6067	57	16	as	as	ADV
ajmri-6067	57	17	well	well	ADV
ajmri-6067	57	18	as	as	ADP
ajmri-6067	57	19	organizations	organization	NOUN
ajmri-6067	57	20	can	can	AUX
ajmri-6067	57	21	be	be	AUX
ajmri-6067	57	22	effectively	effectively	ADV
ajmri-6067	57	23	and	and	CCONJ
ajmri-6067	57	24	contextually	contextually	ADV
ajmri-6067	57	25	,	,	PUNCT
ajmri-6067	57	26	promoting	promote	VERB
ajmri-6067	57	27	growth	growth	NOUN
ajmri-6067	57	28	,	,	PUNCT
ajmri-6067	57	29	innovativeness	innovativeness	NOUN
ajmri-6067	57	30	,	,	PUNCT
ajmri-6067	57	31	and	and	CCONJ
ajmri-6067	57	32	development	development	NOUN
ajmri-6067	57	33	,	,	PUNCT
ajmri-6067	57	34	particularly	particularly	ADV
ajmri-6067	57	35	within	within	ADP
ajmri-6067	57	36	the	the	DET
ajmri-6067	57	37	eastern	eastern	ADJ
ajmri-6067	57	38	region	region	NOUN
ajmri-6067	57	39	of	of	ADP
ajmri-6067	57	40	ghana	ghana	PROPN
ajmri-6067	57	41	.	.	PUNCT
ajmri-6067	58	1	forms	form	NOUN
ajmri-6067	58	2	of	of	ADP
ajmri-6067	58	3	innovation	innovation	NOUN
ajmri-6067	58	4	and	and	CCONJ
ajmri-6067	58	5	degree	degree	NOUN
ajmri-6067	58	6	of	of	ADP
ajmri-6067	58	7	novelty	novelty	NOUN
ajmri-6067	58	8	the	the	DET
ajmri-6067	58	9	following	follow	VERB
ajmri-6067	58	10	are	be	AUX
ajmri-6067	58	11	the	the	DET
ajmri-6067	58	12	forms	form	NOUN
ajmri-6067	58	13	of	of	ADP
ajmri-6067	58	14	innovation	innovation	NOUN
ajmri-6067	58	15	that	that	SCONJ
ajmri-6067	58	16	the	the	DET
ajmri-6067	58	17	study	study	NOUN
ajmri-6067	58	18	concentrated	concentrate	VERB
ajmri-6067	58	19	on	on	ADP
ajmri-6067	58	20	:	:	PUNCT
ajmri-6067	58	21	product	product	NOUN
ajmri-6067	58	22	innovation	innovation	NOUN
ajmri-6067	58	23	,	,	PUNCT
ajmri-6067	58	24	process	process	NOUN
ajmri-6067	58	25	innovation	innovation	NOUN
ajmri-6067	58	26	;	;	PUNCT
ajmri-6067	58	27	innovation	innovation	NOUN
ajmri-6067	58	28	in	in	ADP
ajmri-6067	58	29	payment	payment	NOUN
ajmri-6067	58	30	system	system	NOUN
ajmri-6067	58	31	,	,	PUNCT
ajmri-6067	58	32	innovation	innovation	NOUN
ajmri-6067	58	33	effects	effect	NOUN
ajmri-6067	58	34	on	on	ADP
ajmri-6067	58	35	the	the	DET
ajmri-6067	58	36	banking	banking	NOUN
ajmri-6067	58	37	sector	sector	NOUN
ajmri-6067	58	38	in	in	ADP
ajmri-6067	58	39	europe	europe	PROPN
ajmri-6067	58	40	,	,	PUNCT
ajmri-6067	58	41	innovation	innovation	NOUN
ajmri-6067	58	42	effects	effect	NOUN
ajmri-6067	58	43	on	on	ADP
ajmri-6067	58	44	the	the	DET
ajmri-6067	58	45	banking	banking	NOUN
ajmri-6067	58	46	sector	sector	NOUN
ajmri-6067	58	47	in	in	ADP
ajmri-6067	58	48	asia	asia	PROPN
ajmri-6067	58	49	etc	etc	X
ajmri-6067	58	50	.	.	X
ajmri-6067	58	51	product	product	NOUN
ajmri-6067	58	52	innovation	innovation	NOUN
ajmri-6067	58	53	brigham	brigham	PROPN
ajmri-6067	58	54	and	and	CCONJ
ajmri-6067	58	55	houston	houston	PROPN
ajmri-6067	58	56	(	(	PUNCT
ajmri-6067	58	57	2009	2009	NUM
ajmri-6067	58	58	)	)	PUNCT
ajmri-6067	58	59	write	write	VERB
ajmri-6067	58	60	on	on	ADP
ajmri-6067	58	61	the	the	DET
ajmri-6067	58	62	fundamentals	fundamental	NOUN
ajmri-6067	58	63	of	of	ADP
ajmri-6067	58	64	financial	financial	ADJ
ajmri-6067	58	65	management	management	NOUN
ajmri-6067	58	66	12th	12th	PROPN
ajmri-6067	58	67	edition	edition	NOUN
ajmri-6067	58	68	.	.	PUNCT
ajmri-6067	59	1	the	the	DET
ajmri-6067	59	2	study	study	NOUN
ajmri-6067	59	3	explains	explain	VERB
ajmri-6067	59	4	that	that	SCONJ
ajmri-6067	59	5	an	an	DET
ajmri-6067	59	6	enterprise	enterprise	NOUN
ajmri-6067	59	7	system	system	NOUN
ajmri-6067	59	8	such	such	ADJ
ajmri-6067	59	9	as	as	ADP
ajmri-6067	59	10	that	that	PRON
ajmri-6067	59	11	of	of	ADP
ajmri-6067	59	12	many	many	ADJ
ajmri-6067	59	13	countries	country	NOUN
ajmri-6067	59	14	as	as	ADV
ajmri-6067	59	15	well	well	ADV
ajmri-6067	59	16	as	as	ADP
ajmri-6067	59	17	the	the	DET
ajmri-6067	59	18	united	united	PROPN
ajmri-6067	59	19	states	states	PROPN
ajmri-6067	59	20	has	have	VERB
ajmri-6067	59	21	the	the	DET
ajmri-6067	59	22	primary	primary	ADJ
ajmri-6067	59	23	goal	goal	NOUN
ajmri-6067	59	24	to	to	PART
ajmri-6067	59	25	help	help	VERB
ajmri-6067	59	26	managers	manager	NOUN
ajmri-6067	59	27	maximize	maximize	VERB
ajmri-6067	59	28	their	their	PRON
ajmri-6067	59	29	firms	firm	NOUN
ajmri-6067	59	30	’	’	PART
ajmri-6067	59	31	values	value	NOUN
ajmri-6067	59	32	,	,	PUNCT
ajmri-6067	59	33	subject	subject	ADJ
ajmri-6067	59	34	to	to	ADP
ajmri-6067	59	35	constraints	constraint	NOUN
ajmri-6067	59	36	such	such	ADJ
ajmri-6067	59	37	as	as	ADP
ajmri-6067	59	38	not	not	PART
ajmri-6067	59	39	polluting	pollute	VERB
ajmri-6067	59	40	the	the	DET
ajmri-6067	59	41	environment	environment	NOUN
ajmri-6067	59	42	,	,	PUNCT
ajmri-6067	59	43	not	not	PART
ajmri-6067	59	44	engaging	engage	VERB
ajmri-6067	59	45	in	in	ADP
ajmri-6067	59	46	unfair	unfair	ADJ
ajmri-6067	59	47	labor	labor	NOUN
ajmri-6067	59	48	practices	practice	NOUN
ajmri-6067	59	49	,	,	PUNCT
ajmri-6067	59	50	and	and	CCONJ
ajmri-6067	59	51	not	not	PART
ajmri-6067	59	52	engaging	engage	VERB
ajmri-6067	59	53	in	in	ADP
ajmri-6067	59	54	antitrust	antitrust	ADJ
ajmri-6067	59	55	activities	activity	NOUN
ajmri-6067	59	56	.	.	PUNCT
ajmri-6067	60	1	discussing	discuss	VERB
ajmri-6067	60	2	the	the	DET
ajmri-6067	60	3	concept	concept	NOUN
ajmri-6067	60	4	of	of	ADP
ajmri-6067	60	5	valuation	valuation	NOUN
ajmri-6067	60	6	,	,	PUNCT
ajmri-6067	60	7	the	the	DET
ajmri-6067	60	8	study	study	NOUN
ajmri-6067	60	9	attempts	attempt	VERB
ajmri-6067	60	10	to	to	PART
ajmri-6067	60	11	explain	explain	VERB
ajmri-6067	60	12	how	how	SCONJ
ajmri-6067	60	13	it	it	PRON
ajmri-6067	60	14	depends	depend	VERB
ajmri-6067	60	15	on	on	ADP
ajmri-6067	60	16	future	future	ADJ
ajmri-6067	60	17	cash	cash	NOUN
ajmri-6067	60	18	flows	flow	NOUN
ajmri-6067	60	19	and	and	CCONJ
ajmri-6067	60	20	risk	risk	NOUN
ajmri-6067	60	21	,	,	PUNCT
ajmri-6067	60	22	and	and	CCONJ
ajmri-6067	60	23	show	show	VERB
ajmri-6067	60	24	why	why	SCONJ
ajmri-6067	60	25	value	value	NOUN
ajmri-6067	60	26	maximization	maximization	NOUN
ajmri-6067	60	27	is	be	AUX
ajmri-6067	60	28	good	good	ADJ
ajmri-6067	60	29	for	for	ADP
ajmri-6067	60	30	humanity	humanity	NOUN
ajmri-6067	60	31	in	in	ADP
ajmri-6067	60	32	general	general	ADJ
ajmri-6067	60	33	.	.	PUNCT
ajmri-6067	61	1	considering	consider	VERB
ajmri-6067	61	2	the	the	DET
ajmri-6067	61	3	major	major	ADJ
ajmri-6067	61	4	types	type	NOUN
ajmri-6067	61	5	of	of	ADP
ajmri-6067	61	6	financial	financial	ADJ
ajmri-6067	61	7	markets	market	NOUN
ajmri-6067	61	8	,	,	PUNCT
ajmri-6067	61	9	the	the	DET
ajmri-6067	61	10	returns	return	NOUN
ajmri-6067	61	11	that	that	PRON
ajmri-6067	61	12	investors	investor	NOUN
ajmri-6067	61	13	have	have	AUX
ajmri-6067	61	14	earned	earn	VERB
ajmri-6067	61	15	and	and	CCONJ
ajmri-6067	61	16	the	the	DET
ajmri-6067	61	17	risks	risk	NOUN
ajmri-6067	61	18	inherent	inherent	ADJ
ajmri-6067	61	19	in	in	ADP
ajmri-6067	61	20	different	different	ADJ
ajmri-6067	61	21	types	type	NOUN
ajmri-6067	61	22	of	of	ADP
ajmri-6067	61	23	pa	pa	PROPN
ajmri-6067	61	24	ge	ge	PROPN
ajmri-6067	61	25	50	50	NUM
ajmri-6067	61	26	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	61	27	am	am	NOUN
ajmri-6067	61	28	.	.	PUNCT
ajmri-6067	62	1	j.	j.	PROPN
ajmri-6067	62	2	multidis	multidis	PROPN
ajmri-6067	62	3	.	.	PUNCT
ajmri-6067	63	1	res	re	NOUN
ajmri-6067	63	2	.	.	PUNCT
ajmri-6067	64	1	innov	innov	PROPN
ajmri-6067	64	2	.	.	PUNCT
ajmri-6067	65	1	4(6	4(6	NUM
ajmri-6067	65	2	)	)	PUNCT
ajmri-6067	65	3	48	48	NUM
ajmri-6067	65	4	-	-	SYM
ajmri-6067	65	5	57	57	NUM
ajmri-6067	65	6	,	,	PUNCT
ajmri-6067	65	7	2025	2025	NUM
ajmri-6067	65	8	securities	security	NOUN
ajmri-6067	65	9	.	.	PUNCT
ajmri-6067	66	1	the	the	DET
ajmri-6067	66	2	study	study	NOUN
ajmri-6067	66	3	emphasizes	emphasize	VERB
ajmri-6067	66	4	that	that	SCONJ
ajmri-6067	66	5	such	such	ADJ
ajmri-6067	66	6	knowledge	knowledge	NOUN
ajmri-6067	66	7	as	as	ADV
ajmri-6067	66	8	well	well	ADV
ajmri-6067	66	9	as	as	ADP
ajmri-6067	66	10	information	information	NOUN
ajmri-6067	66	11	in	in	ADP
ajmri-6067	66	12	relation	relation	NOUN
ajmri-6067	66	13	to	to	ADP
ajmri-6067	66	14	fundamentals	fundamental	NOUN
ajmri-6067	66	15	of	of	ADP
ajmri-6067	66	16	financial	financial	ADJ
ajmri-6067	66	17	management	management	NOUN
ajmri-6067	66	18	is	be	AUX
ajmri-6067	66	19	key	key	ADJ
ajmri-6067	66	20	for	for	ADP
ajmri-6067	66	21	anyone	anyone	PRON
ajmri-6067	66	22	working	work	VERB
ajmri-6067	66	23	in	in	ADP
ajmri-6067	66	24	finance	finance	NOUN
ajmri-6067	66	25	as	as	ADV
ajmri-6067	66	26	well	well	ADV
ajmri-6067	66	27	as	as	ADP
ajmri-6067	66	28	anyone	anyone	PRON
ajmri-6067	66	29	who	who	PRON
ajmri-6067	66	30	has	have	VERB
ajmri-6067	66	31	or	or	CCONJ
ajmri-6067	66	32	hopes	hope	VERB
ajmri-6067	66	33	to	to	PART
ajmri-6067	66	34	own	own	VERB
ajmri-6067	66	35	financial	financial	ADJ
ajmri-6067	66	36	assets	asset	NOUN
ajmri-6067	66	37	.	.	PUNCT
ajmri-6067	67	1	brigham	brigham	PROPN
ajmri-6067	67	2	and	and	CCONJ
ajmri-6067	67	3	huston	huston	PROPN
ajmri-6067	67	4	focus	focus	NOUN
ajmri-6067	67	5	on	on	ADP
ajmri-6067	67	6	the	the	DET
ajmri-6067	67	7	2008	2008	NUM
ajmri-6067	67	8	financial	financial	ADJ
ajmri-6067	67	9	crisis	crisis	NOUN
ajmri-6067	67	10	which	which	PRON
ajmri-6067	67	11	affected	affect	VERB
ajmri-6067	67	12	many	many	ADJ
ajmri-6067	67	13	developed	developed	ADJ
ajmri-6067	67	14	and	and	CCONJ
ajmri-6067	67	15	developing	develop	VERB
ajmri-6067	67	16	countries	country	NOUN
ajmri-6067	67	17	.	.	PUNCT
ajmri-6067	68	1	an	an	DET
ajmri-6067	68	2	experience	experience	NOUN
ajmri-6067	68	3	of	of	ADP
ajmri-6067	68	4	market	market	NOUN
ajmri-6067	68	5	meltdown	meltdown	NOUN
ajmri-6067	68	6	which	which	PRON
ajmri-6067	68	7	impacted	impact	VERB
ajmri-6067	68	8	negatively	negatively	ADV
ajmri-6067	68	9	on	on	ADP
ajmri-6067	68	10	stock	stock	NOUN
ajmri-6067	68	11	market	market	NOUN
ajmri-6067	68	12	and	and	CCONJ
ajmri-6067	68	13	declined	decline	VERB
ajmri-6067	68	14	stock	stock	NOUN
ajmri-6067	68	15	price	price	NOUN
ajmri-6067	68	16	by	by	ADP
ajmri-6067	68	17	50	50	NUM
ajmri-6067	68	18	%	%	NOUN
ajmri-6067	68	19	;	;	PUNCT
ajmri-6067	68	20	ripping	rip	VERB
ajmri-6067	68	21	out	out	ADP
ajmri-6067	68	22	trillions	trillion	NOUN
ajmri-6067	68	23	of	of	ADP
ajmri-6067	68	24	dollars	dollar	NOUN
ajmri-6067	68	25	of	of	ADP
ajmri-6067	68	26	savings	saving	NOUN
ajmri-6067	68	27	.	.	PUNCT
ajmri-6067	69	1	the	the	DET
ajmri-6067	69	2	percentage	percentage	NOUN
ajmri-6067	69	3	of	of	ADP
ajmri-6067	69	4	loses	lose	NOUN
ajmri-6067	69	5	had	have	VERB
ajmri-6067	69	6	on	on	ADP
ajmri-6067	69	7	sick	sick	ADJ
ajmri-6067	69	8	joke	joke	NOUN
ajmri-6067	69	9	,	,	PUNCT
ajmri-6067	69	10	knowns	known	NOUN
ajmri-6067	69	11	as	as	ADP
ajmri-6067	69	12	“	"	PUNCT
ajmri-6067	69	13	401(k	401(k	PROPN
ajmri-6067	69	14	)	)	PUNCT
ajmri-6067	69	15	retirement	retirement	NOUN
ajmri-6067	69	16	plan	plan	NOUN
ajmri-6067	69	17	becoming	become	VERB
ajmri-6067	69	18	201	201	NUM
ajmri-6067	69	19	(	(	PUNCT
ajmri-6067	69	20	k	k	NOUN
ajmri-6067	69	21	)	)	PUNCT
ajmri-6067	69	22	plans	plan	VERB
ajmri-6067	69	23	the	the	DET
ajmri-6067	69	24	impacts	impact	NOUN
ajmri-6067	69	25	includes	include	VERB
ajmri-6067	69	26	the	the	DET
ajmri-6067	69	27	return	return	NOUN
ajmri-6067	69	28	of	of	ADP
ajmri-6067	69	29	retirees	retiree	NOUN
ajmri-6067	69	30	going	go	VERB
ajmri-6067	69	31	back	back	ADV
ajmri-6067	69	32	to	to	ADP
ajmri-6067	69	33	work	work	NOUN
ajmri-6067	69	34	,	,	PUNCT
ajmri-6067	69	35	housing	housing	NOUN
ajmri-6067	69	36	construction	construction	NOUN
ajmri-6067	69	37	ceased	cease	VERB
ajmri-6067	69	38	,	,	PUNCT
ajmri-6067	69	39	and	and	CCONJ
ajmri-6067	69	40	even	even	ADV
ajmri-6067	69	41	have	have	VERB
ajmri-6067	69	42	prices	price	NOUN
ajmri-6067	69	43	being	be	AUX
ajmri-6067	69	44	plunged	plunge	VERB
ajmri-6067	69	45	by	by	ADP
ajmri-6067	69	46	20	20	NUM
ajmri-6067	69	47	%	%	NOUN
ajmri-6067	69	48	nationwide	nationwide	ADV
ajmri-6067	69	49	and	and	CCONJ
ajmri-6067	69	50	by	by	ADP
ajmri-6067	69	51	as	as	ADV
ajmri-6067	69	52	much	much	ADJ
ajmri-6067	69	53	as	as	ADP
ajmri-6067	69	54	50	50	NUM
ajmri-6067	69	55	%	%	NOUN
ajmri-6067	69	56	in	in	ADP
ajmri-6067	69	57	some	some	DET
ajmri-6067	69	58	part	part	NOUN
ajmri-6067	69	59	of	of	ADP
ajmri-6067	69	60	the	the	DET
ajmri-6067	69	61	country	country	NOUN
ajmri-6067	69	62	,	,	PUNCT
ajmri-6067	69	63	including	include	VERB
ajmri-6067	69	64	the	the	DET
ajmri-6067	69	65	seriousness	seriousness	NOUN
ajmri-6067	69	66	of	of	ADP
ajmri-6067	69	67	ripping	rip	VERB
ajmri-6067	69	68	out	out	ADP
ajmri-6067	69	69	3	3	NUM
ajmri-6067	69	70	trillions	trillion	NOUN
ajmri-6067	69	71	of	of	ADP
ajmri-6067	69	72	dollar	dollar	NOUN
ajmri-6067	69	73	savings	saving	NOUN
ajmri-6067	69	74	.	.	PUNCT
ajmri-6067	70	1	the	the	DET
ajmri-6067	70	2	situation	situation	NOUN
ajmri-6067	70	3	worsened	worsen	VERB
ajmri-6067	70	4	to	to	PART
ajmri-6067	70	5	extent	extent	VERB
ajmri-6067	70	6	that	that	SCONJ
ajmri-6067	70	7	even	even	ADV
ajmri-6067	70	8	homeowners	homeowner	NOUN
ajmri-6067	70	9	realized	realize	VERB
ajmri-6067	70	10	that	that	SCONJ
ajmri-6067	70	11	their	their	PRON
ajmri-6067	70	12	mortgage	mortgage	NOUN
ajmri-6067	70	13	was	be	AUX
ajmri-6067	70	14	exceeding	exceed	VERB
ajmri-6067	70	15	the	the	DET
ajmri-6067	70	16	values	value	NOUN
ajmri-6067	70	17	of	of	ADP
ajmri-6067	70	18	their	their	PRON
ajmri-6067	70	19	homes	home	NOUN
ajmri-6067	70	20	;	;	PUNCT
ajmri-6067	70	21	leading	lead	VERB
ajmri-6067	70	22	to	to	ADP
ajmri-6067	70	23	defaults	default	NOUN
ajmri-6067	70	24	and	and	CCONJ
ajmri-6067	70	25	foreclosures	foreclosure	NOUN
ajmri-6067	70	26	.	.	PUNCT
ajmri-6067	71	1	many	many	ADJ
ajmri-6067	71	2	banks	bank	NOUN
ajmri-6067	71	3	could	could	AUX
ajmri-6067	71	4	not	not	PART
ajmri-6067	71	5	cope	cope	VERB
ajmri-6067	71	6	with	with	ADP
ajmri-6067	71	7	the	the	DET
ajmri-6067	71	8	situation	situation	NOUN
ajmri-6067	71	9	as	as	SCONJ
ajmri-6067	71	10	they	they	PRON
ajmri-6067	71	11	were	be	AUX
ajmri-6067	71	12	overly	overly	ADV
ajmri-6067	71	13	burdened	burden	VERB
ajmri-6067	71	14	with	with	ADP
ajmri-6067	71	15	huge	huge	ADJ
ajmri-6067	71	16	loses	lose	NOUN
ajmri-6067	71	17	and	and	CCONJ
ajmri-6067	71	18	bankruptcies	bankruptcy	NOUN
ajmri-6067	71	19	,	,	PUNCT
ajmri-6067	71	20	restructuring	restructuring	NOUN
ajmri-6067	71	21	and	and	CCONJ
ajmri-6067	71	22	massive	massive	ADJ
ajmri-6067	71	23	layout	layout	NOUN
ajmri-6067	71	24	.	.	PUNCT
ajmri-6067	72	1	based	base	VERB
ajmri-6067	72	2	on	on	ADP
ajmri-6067	72	3	all	all	DET
ajmri-6067	72	4	the	the	DET
ajmri-6067	72	5	above	above	ADJ
ajmri-6067	72	6	challenges	challenge	NOUN
ajmri-6067	72	7	the	the	DET
ajmri-6067	72	8	researcher	researcher	NOUN
ajmri-6067	72	9	concludes	conclude	VERB
ajmri-6067	72	10	with	with	ADP
ajmri-6067	72	11	two	two	NUM
ajmri-6067	72	12	level	level	NOUN
ajmri-6067	72	13	findings	finding	NOUN
ajmri-6067	72	14	:	:	PUNCT
ajmri-6067	72	15	•	•	ADP
ajmri-6067	72	16	the	the	DET
ajmri-6067	72	17	fundamental	fundamental	ADJ
ajmri-6067	72	18	concepts	concept	NOUN
ajmri-6067	72	19	of	of	ADP
ajmri-6067	72	20	finance	finance	NOUN
ajmri-6067	72	21	are	be	AUX
ajmri-6067	72	22	unchanged	unchanged	ADJ
ajmri-6067	72	23	and	and	CCONJ
ajmri-6067	72	24	that	that	SCONJ
ajmri-6067	72	25	all	all	DET
ajmri-6067	72	26	the	the	DET
ajmri-6067	72	27	concepts	concept	NOUN
ajmri-6067	72	28	are	be	AUX
ajmri-6067	72	29	applicable	applicable	ADJ
ajmri-6067	72	30	.	.	PUNCT
ajmri-6067	73	1	•	•	NUM
ajmri-6067	73	2	the	the	DET
ajmri-6067	73	3	problem	problem	NOUN
ajmri-6067	73	4	of	of	ADP
ajmri-6067	73	5	2008	2008	NUM
ajmri-6067	73	6	resulted	result	VERB
ajmri-6067	73	7	largely	largely	ADV
ajmri-6067	73	8	because	because	SCONJ
ajmri-6067	73	9	businesses	business	NOUN
ajmri-6067	73	10	,	,	PUNCT
ajmri-6067	73	11	individuals	individual	NOUN
ajmri-6067	73	12	,	,	PUNCT
ajmri-6067	73	13	and	and	CCONJ
ajmri-6067	73	14	government	government	NOUN
ajmri-6067	73	15	officials	official	NOUN
ajmri-6067	73	16	did	do	AUX
ajmri-6067	73	17	not	not	PART
ajmri-6067	73	18	pay	pay	VERB
ajmri-6067	73	19	sufficient	sufficient	ADJ
ajmri-6067	73	20	attention	attention	NOUN
ajmri-6067	73	21	to	to	ADP
ajmri-6067	73	22	the	the	DET
ajmri-6067	73	23	basic	basic	ADJ
ajmri-6067	73	24	principles	principle	NOUN
ajmri-6067	73	25	of	of	ADP
ajmri-6067	73	26	finance	finance	NOUN
ajmri-6067	73	27	.	.	PUNCT
ajmri-6067	74	1	it	it	PRON
ajmri-6067	74	2	could	could	AUX
ajmri-6067	74	3	be	be	AUX
ajmri-6067	74	4	agreed	agree	VERB
ajmri-6067	74	5	that	that	SCONJ
ajmri-6067	74	6	the	the	DET
ajmri-6067	74	7	fundamental	fundamental	ADJ
ajmri-6067	74	8	concepts	concept	NOUN
ajmri-6067	74	9	of	of	ADP
ajmri-6067	74	10	finance	finance	NOUN
ajmri-6067	74	11	are	be	AUX
ajmri-6067	74	12	unchanged	unchanged	ADJ
ajmri-6067	74	13	and	and	CCONJ
ajmri-6067	74	14	that	that	SCONJ
ajmri-6067	74	15	all	all	DET
ajmri-6067	74	16	the	the	DET
ajmri-6067	74	17	concepts	concept	NOUN
ajmri-6067	74	18	are	be	AUX
ajmri-6067	74	19	applicable	applicable	ADJ
ajmri-6067	74	20	though	though	ADV
ajmri-6067	74	21	,	,	PUNCT
ajmri-6067	74	22	the	the	DET
ajmri-6067	74	23	statement	statement	NOUN
ajmri-6067	74	24	holds	hold	VERB
ajmri-6067	74	25	only	only	ADV
ajmri-6067	74	26	when	when	SCONJ
ajmri-6067	74	27	all	all	DET
ajmri-6067	74	28	thing	thing	NOUN
ajmri-6067	74	29	being	be	AUX
ajmri-6067	74	30	equal	equal	ADJ
ajmri-6067	74	31	.	.	PUNCT
ajmri-6067	75	1	this	this	PRON
ajmri-6067	75	2	is	be	AUX
ajmri-6067	75	3	because	because	SCONJ
ajmri-6067	75	4	we	we	PRON
ajmri-6067	75	5	live	live	VERB
ajmri-6067	75	6	in	in	ADP
ajmri-6067	75	7	a	a	DET
ajmri-6067	75	8	dynamic	dynamic	ADJ
ajmri-6067	75	9	world	world	NOUN
ajmri-6067	75	10	where	where	SCONJ
ajmri-6067	75	11	conditions	condition	NOUN
ajmri-6067	75	12	and	and	CCONJ
ajmri-6067	75	13	situations	situation	NOUN
ajmri-6067	75	14	can	can	AUX
ajmri-6067	75	15	not	not	PART
ajmri-6067	75	16	be	be	AUX
ajmri-6067	75	17	permanent	permanent	ADJ
ajmri-6067	75	18	.	.	PUNCT
ajmri-6067	76	1	the	the	DET
ajmri-6067	76	2	dynamics	dynamic	NOUN
ajmri-6067	76	3	in	in	ADP
ajmri-6067	76	4	these	these	DET
ajmri-6067	76	5	social	social	ADJ
ajmri-6067	76	6	media	medium	NOUN
ajmri-6067	76	7	days	day	NOUN
ajmri-6067	76	8	are	be	AUX
ajmri-6067	76	9	such	such	ADJ
ajmri-6067	76	10	that	that	SCONJ
ajmri-6067	76	11	solutions	solution	NOUN
ajmri-6067	76	12	that	that	PRON
ajmri-6067	76	13	could	could	AUX
ajmri-6067	76	14	solve	solve	VERB
ajmri-6067	76	15	ancient	ancient	ADJ
ajmri-6067	76	16	problems	problem	NOUN
ajmri-6067	76	17	may	may	AUX
ajmri-6067	76	18	not	not	PART
ajmri-6067	76	19	be	be	AUX
ajmri-6067	76	20	appropriate	appropriate	ADJ
ajmri-6067	76	21	for	for	ADP
ajmri-6067	76	22	the	the	DET
ajmri-6067	76	23	today	today	NOUN
ajmri-6067	76	24	world	world	NOUN
ajmri-6067	76	25	;	;	PUNCT
ajmri-6067	76	26	siding	side	VERB
ajmri-6067	76	27	with	with	ADP
ajmri-6067	76	28	corral	corral	PROPN
ajmri-6067	76	29	et	et	PROPN
ajmri-6067	76	30	al	al	PROPN
ajmri-6067	76	31	.	.	PROPN
ajmri-6067	77	1	(	(	PUNCT
ajmri-6067	77	2	2015	2015	NUM
ajmri-6067	77	3	)	)	PUNCT
ajmri-6067	77	4	’s	’s	PART
ajmri-6067	78	1	expression	expression	NOUN
ajmri-6067	78	2	that	that	PRON
ajmri-6067	78	3	the	the	DET
ajmri-6067	78	4	obstacles	obstacle	NOUN
ajmri-6067	78	5	to	to	ADP
ajmri-6067	78	6	african	african	ADJ
ajmri-6067	78	7	agrarian	agrarian	ADJ
ajmri-6067	78	8	development	development	NOUN
ajmri-6067	78	9	never	never	ADV
ajmri-6067	78	10	stay	stay	VERB
ajmri-6067	78	11	the	the	DET
ajmri-6067	78	12	same	same	ADJ
ajmri-6067	78	13	.	.	PUNCT
ajmri-6067	79	1	the	the	DET
ajmri-6067	79	2	assertion	assertion	NOUN
ajmri-6067	79	3	buttresses	buttress	VERB
ajmri-6067	79	4	a	a	DET
ajmri-6067	79	5	popular	popular	ADJ
ajmri-6067	79	6	african	african	ADJ
ajmri-6067	79	7	slogan	slogan	NOUN
ajmri-6067	79	8	,	,	PUNCT
ajmri-6067	79	9	which	which	PRON
ajmri-6067	79	10	states	state	VERB
ajmri-6067	79	11	that	that	SCONJ
ajmri-6067	79	12	“	"	PUNCT
ajmri-6067	79	13	no	no	DET
ajmri-6067	79	14	condition	condition	NOUN
ajmri-6067	79	15	is	be	AUX
ajmri-6067	79	16	permanent	permanent	ADJ
ajmri-6067	79	17	”	"	PUNCT
ajmri-6067	79	18	.	.	PUNCT
ajmri-6067	80	1	the	the	DET
ajmri-6067	80	2	world	world	NOUN
ajmri-6067	80	3	dynamism	dynamism	NOUN
ajmri-6067	80	4	calls	call	VERB
ajmri-6067	80	5	for	for	ADP
ajmri-6067	80	6	innovations	innovation	NOUN
ajmri-6067	80	7	and	and	CCONJ
ajmri-6067	80	8	technology	technology	NOUN
ajmri-6067	80	9	or	or	CCONJ
ajmri-6067	80	10	way	way	NOUN
ajmri-6067	80	11	to	to	PART
ajmri-6067	80	12	match	match	VERB
ajmri-6067	80	13	business	business	NOUN
ajmri-6067	80	14	situations	situation	NOUN
ajmri-6067	80	15	at	at	ADP
ajmri-6067	80	16	all	all	DET
ajmri-6067	80	17	times	time	NOUN
ajmri-6067	80	18	.	.	PUNCT
ajmri-6067	81	1	process	process	NOUN
ajmri-6067	81	2	innovation	innovation	NOUN
ajmri-6067	81	3	reguia	reguia	NOUN
ajmri-6067	81	4	(	(	PUNCT
ajmri-6067	81	5	2006	2006	NUM
ajmri-6067	81	6	)	)	PUNCT
ajmri-6067	81	7	,	,	PUNCT
ajmri-6067	81	8	writes	write	VERB
ajmri-6067	81	9	on	on	ADP
ajmri-6067	81	10	product	product	NOUN
ajmri-6067	81	11	innovation	innovation	NOUN
ajmri-6067	81	12	and	and	CCONJ
ajmri-6067	81	13	the	the	DET
ajmri-6067	81	14	competitive	competitive	ADJ
ajmri-6067	81	15	advantage	advantage	NOUN
ajmri-6067	81	16	.	.	PUNCT
ajmri-6067	82	1	the	the	DET
ajmri-6067	82	2	study	study	NOUN
ajmri-6067	82	3	consider	consider	VERB
ajmri-6067	82	4	innovation	innovation	NOUN
ajmri-6067	82	5	as	as	ADP
ajmri-6067	82	6	one	one	NUM
ajmri-6067	82	7	of	of	ADP
ajmri-6067	82	8	the	the	DET
ajmri-6067	82	9	success	success	NOUN
ajmri-6067	82	10	features	feature	VERB
ajmri-6067	82	11	in	in	ADP
ajmri-6067	82	12	the	the	DET
ajmri-6067	82	13	economic	economic	ADJ
ajmri-6067	82	14	companies	company	NOUN
ajmri-6067	82	15	,	,	PUNCT
ajmri-6067	82	16	and	and	CCONJ
ajmri-6067	82	17	should	should	AUX
ajmri-6067	82	18	be	be	AUX
ajmri-6067	82	19	considered	consider	VERB
ajmri-6067	82	20	as	as	ADP
ajmri-6067	82	21	the	the	DET
ajmri-6067	82	22	key	key	ADJ
ajmri-6067	82	23	element	element	NOUN
ajmri-6067	82	24	to	to	PART
ajmri-6067	82	25	reach	reach	VERB
ajmri-6067	82	26	customer	customer	NOUN
ajmri-6067	82	27	satisfaction	satisfaction	NOUN
ajmri-6067	82	28	and	and	CCONJ
ajmri-6067	82	29	also	also	ADV
ajmri-6067	82	30	realize	realize	VERB
ajmri-6067	82	31	their	their	PRON
ajmri-6067	82	32	desires	desire	NOUN
ajmri-6067	82	33	.	.	PUNCT
ajmri-6067	83	1	reguia	reguia	NOUN
ajmri-6067	83	2	(	(	PUNCT
ajmri-6067	83	3	2006	2006	NUM
ajmri-6067	83	4	)	)	PUNCT
ajmri-6067	83	5	,	,	PUNCT
ajmri-6067	83	6	defines	define	VERB
ajmri-6067	83	7	innovation	innovation	NOUN
ajmri-6067	83	8	as	as	ADP
ajmri-6067	83	9	a	a	DET
ajmri-6067	83	10	new	new	ADJ
ajmri-6067	83	11	idea	idea	NOUN
ajmri-6067	83	12	implemented	implement	VERB
ajmri-6067	83	13	to	to	PART
ajmri-6067	83	14	realize	realize	VERB
ajmri-6067	83	15	the	the	DET
ajmri-6067	83	16	competitive	competitive	ADJ
ajmri-6067	83	17	advantage	advantage	NOUN
ajmri-6067	83	18	to	to	ADP
ajmri-6067	83	19	the	the	DET
ajmri-6067	83	20	companies	company	NOUN
ajmri-6067	83	21	,	,	PUNCT
ajmri-6067	83	22	at	at	ADP
ajmri-6067	83	23	the	the	DET
ajmri-6067	83	24	time	time	NOUN
ajmri-6067	83	25	when	when	SCONJ
ajmri-6067	83	26	they	they	PRON
ajmri-6067	83	27	have	have	AUX
ajmri-6067	83	28	had	have	VERB
ajmri-6067	83	29	similar	similar	ADJ
ajmri-6067	83	30	opportunities	opportunity	NOUN
ajmri-6067	83	31	to	to	PART
ajmri-6067	83	32	present	present	VERB
ajmri-6067	83	33	their	their	PRON
ajmri-6067	83	34	products	product	NOUN
ajmri-6067	83	35	with	with	ADP
ajmri-6067	83	36	low	low	ADJ
ajmri-6067	83	37	costs	cost	NOUN
ajmri-6067	83	38	.	.	PUNCT
ajmri-6067	84	1	the	the	DET
ajmri-6067	84	2	researcher	researcher	NOUN
ajmri-6067	84	3	through	through	ADP
ajmri-6067	84	4	the	the	DET
ajmri-6067	84	5	study	study	NOUN
ajmri-6067	84	6	highlighted	highlight	VERB
ajmri-6067	84	7	innovation	innovation	NOUN
ajmri-6067	84	8	,	,	PUNCT
ajmri-6067	84	9	by	by	ADP
ajmri-6067	84	10	focusing	focus	VERB
ajmri-6067	84	11	on	on	ADP
ajmri-6067	84	12	products	product	NOUN
ajmri-6067	84	13	,	,	PUNCT
ajmri-6067	84	14	types	type	NOUN
ajmri-6067	84	15	,	,	PUNCT
ajmri-6067	84	16	stages	stage	NOUN
ajmri-6067	84	17	and	and	CCONJ
ajmri-6067	84	18	features	feature	NOUN
ajmri-6067	84	19	and	and	CCONJ
ajmri-6067	84	20	paying	pay	VERB
ajmri-6067	84	21	more	more	ADJ
ajmri-6067	84	22	attention	attention	NOUN
ajmri-6067	84	23	on	on	ADP
ajmri-6067	84	24	the	the	DET
ajmri-6067	84	25	role	role	NOUN
ajmri-6067	84	26	innovation	innovation	NOUN
ajmri-6067	84	27	plays	play	VERB
ajmri-6067	84	28	in	in	ADP
ajmri-6067	84	29	realizing	realize	VERB
ajmri-6067	84	30	competitive	competitive	ADJ
ajmri-6067	84	31	advantage	advantage	NOUN
ajmri-6067	84	32	.	.	PUNCT
ajmri-6067	85	1	the	the	DET
ajmri-6067	85	2	researcher	researcher	NOUN
ajmri-6067	85	3	provides	provide	VERB
ajmri-6067	85	4	a	a	DET
ajmri-6067	85	5	new	new	ADJ
ajmri-6067	85	6	or	or	CCONJ
ajmri-6067	85	7	significantly	significantly	ADV
ajmri-6067	85	8	improved	improve	VERB
ajmri-6067	85	9	production	production	NOUN
ajmri-6067	85	10	or	or	CCONJ
ajmri-6067	85	11	delivery	delivery	NOUN
ajmri-6067	85	12	method	method	NOUN
ajmri-6067	85	13	for	for	ADP
ajmri-6067	85	14	financial	financial	ADJ
ajmri-6067	85	15	institutions	institution	NOUN
ajmri-6067	85	16	.	.	PUNCT
ajmri-6067	86	1	he	he	PRON
ajmri-6067	86	2	advocates	advocate	VERB
ajmri-6067	86	3	for	for	ADP
ajmri-6067	86	4	the	the	DET
ajmri-6067	86	5	inclusion	inclusion	NOUN
ajmri-6067	86	6	of	of	ADP
ajmri-6067	86	7	significant	significant	ADJ
ajmri-6067	86	8	changes	change	NOUN
ajmri-6067	86	9	in	in	ADP
ajmri-6067	86	10	techniques	technique	NOUN
ajmri-6067	86	11	towards	towards	ADP
ajmri-6067	86	12	the	the	DET
ajmri-6067	86	13	use	use	NOUN
ajmri-6067	86	14	of	of	ADP
ajmri-6067	86	15	equipment	equipment	NOUN
ajmri-6067	86	16	and/or	and/or	CCONJ
ajmri-6067	86	17	software	software	NOUN
ajmri-6067	86	18	in	in	ADP
ajmri-6067	86	19	the	the	DET
ajmri-6067	86	20	modern	modern	ADJ
ajmri-6067	86	21	business	business	NOUN
ajmri-6067	86	22	operation	operation	NOUN
ajmri-6067	86	23	;	;	PUNCT
ajmri-6067	86	24	reiterating	reiterate	VERB
ajmri-6067	86	25	that	that	SCONJ
ajmri-6067	86	26	world	world	NOUN
ajmri-6067	86	27	economic	economic	ADJ
ajmri-6067	86	28	environment	environment	NOUN
ajmri-6067	86	29	is	be	AUX
ajmri-6067	86	30	characterized	characterize	VERB
ajmri-6067	86	31	by	by	ADP
ajmri-6067	86	32	rapid	rapid	ADJ
ajmri-6067	86	33	changes	change	NOUN
ajmri-6067	86	34	in	in	ADP
ajmri-6067	86	35	all	all	DET
ajmri-6067	86	36	frameworks	framework	NOUN
ajmri-6067	86	37	,	,	PUNCT
ajmri-6067	86	38	especially	especially	ADV
ajmri-6067	86	39	the	the	DET
ajmri-6067	86	40	technological	technological	ADJ
ajmri-6067	86	41	sides	side	NOUN
ajmri-6067	86	42	which	which	PRON
ajmri-6067	86	43	become	become	VERB
ajmri-6067	86	44	the	the	DET
ajmri-6067	86	45	most	most	ADV
ajmri-6067	86	46	important	important	ADJ
ajmri-6067	86	47	discussion	discussion	NOUN
ajmri-6067	86	48	axe	axe	NOUN
ajmri-6067	86	49	that	that	PRON
ajmri-6067	86	50	affects	affect	VERB
ajmri-6067	86	51	the	the	DET
ajmri-6067	86	52	economic	economic	ADJ
ajmri-6067	86	53	based	base	VERB
ajmri-6067	86	54	on	on	ADP
ajmri-6067	86	55	company	company	NOUN
ajmri-6067	86	56	’s	’s	PART
ajmri-6067	86	57	strategies	strategy	NOUN
ajmri-6067	86	58	.	.	PUNCT
ajmri-6067	87	1	for	for	ADP
ajmri-6067	87	2	him	he	PRON
ajmri-6067	87	3	since	since	SCONJ
ajmri-6067	87	4	our	our	PRON
ajmri-6067	87	5	businesses	business	NOUN
ajmri-6067	87	6	are	be	AUX
ajmri-6067	87	7	operated	operate	VERB
ajmri-6067	87	8	within	within	ADP
ajmri-6067	87	9	the	the	DET
ajmri-6067	87	10	internal	internal	ADJ
ajmri-6067	87	11	and	and	CCONJ
ajmri-6067	87	12	external	external	ADJ
ajmri-6067	87	13	environments	environment	NOUN
ajmri-6067	87	14	,	,	PUNCT
ajmri-6067	87	15	it	it	PRON
ajmri-6067	87	16	is	be	AUX
ajmri-6067	87	17	therefore	therefore	ADV
ajmri-6067	87	18	necessary	necessary	ADJ
ajmri-6067	87	19	for	for	SCONJ
ajmri-6067	87	20	companies	company	NOUN
ajmri-6067	87	21	to	to	PART
ajmri-6067	87	22	aggressively	aggressively	ADV
ajmri-6067	87	23	fit	fit	VERB
ajmri-6067	87	24	itself	itself	PRON
ajmri-6067	87	25	in	in	ADP
ajmri-6067	87	26	these	these	DET
ajmri-6067	87	27	changes	change	NOUN
ajmri-6067	87	28	in	in	ADP
ajmri-6067	87	29	order	order	NOUN
ajmri-6067	87	30	to	to	PART
ajmri-6067	87	31	maintain	maintain	VERB
ajmri-6067	87	32	its	its	PRON
ajmri-6067	87	33	market	market	NOUN
ajmri-6067	87	34	place	place	NOUN
ajmri-6067	87	35	,	,	PUNCT
ajmri-6067	87	36	and	and	CCONJ
ajmri-6067	87	37	to	to	PART
ajmri-6067	87	38	face	face	VERB
ajmri-6067	87	39	the	the	DET
ajmri-6067	87	40	aggressive	aggressive	ADJ
ajmri-6067	87	41	competition	competition	NOUN
ajmri-6067	87	42	in	in	ADP
ajmri-6067	87	43	such	such	DET
ajmri-6067	87	44	an	an	DET
ajmri-6067	87	45	open	open	ADJ
ajmri-6067	87	46	world	world	NOUN
ajmri-6067	87	47	market	market	NOUN
ajmri-6067	87	48	.	.	PUNCT
ajmri-6067	88	1	buttressing	buttress	VERB
ajmri-6067	88	2	the	the	DET
ajmri-6067	88	3	position	position	NOUN
ajmri-6067	88	4	of	of	ADP
ajmri-6067	88	5	cenamor	cenamor	NOUN
ajmri-6067	88	6	et	et	PROPN
ajmri-6067	88	7	al	al	PROPN
ajmri-6067	88	8	.	.	PROPN
ajmri-6067	89	1	(	(	PUNCT
ajmri-6067	89	2	2017	2017	NUM
ajmri-6067	89	3	)	)	PUNCT
ajmri-6067	89	4	who	who	PRON
ajmri-6067	89	5	assert	assert	VERB
ajmri-6067	89	6	that	that	SCONJ
ajmri-6067	89	7	the	the	DET
ajmri-6067	89	8	transection	transection	NOUN
ajmri-6067	89	9	to	to	ADP
ajmri-6067	89	10	innovation	innovation	NOUN
ajmri-6067	89	11	-	-	PUNCT
ajmri-6067	89	12	based	base	VERB
ajmri-6067	89	13	business	business	NOUN
ajmri-6067	89	14	models	model	NOUN
ajmri-6067	89	15	entail	entail	VERB
ajmri-6067	89	16	a	a	DET
ajmri-6067	89	17	profound	profound	ADJ
ajmri-6067	89	18	shift	shift	NOUN
ajmri-6067	89	19	in	in	ADP
ajmri-6067	89	20	how	how	SCONJ
ajmri-6067	89	21	companies	company	NOUN
ajmri-6067	89	22	deliver	deliver	VERB
ajmri-6067	89	23	value	value	NOUN
ajmri-6067	89	24	to	to	ADP
ajmri-6067	89	25	their	their	PRON
ajmri-6067	89	26	customers	customer	NOUN
ajmri-6067	89	27	.	.	PUNCT
ajmri-6067	90	1	the	the	DET
ajmri-6067	90	2	key	key	ADJ
ajmri-6067	90	3	shortfalls	shortfall	NOUN
ajmri-6067	90	4	of	of	ADP
ajmri-6067	90	5	the	the	DET
ajmri-6067	90	6	study	study	NOUN
ajmri-6067	90	7	are	be	AUX
ajmri-6067	90	8	that	that	PRON
ajmri-6067	90	9	;	;	PUNCT
ajmri-6067	90	10	the	the	DET
ajmri-6067	90	11	study	study	NOUN
ajmri-6067	90	12	fail	fail	VERB
ajmri-6067	90	13	to	to	PART
ajmri-6067	90	14	indicate	indicate	VERB
ajmri-6067	90	15	methodology	methodology	NOUN
ajmri-6067	90	16	used	use	VERB
ajmri-6067	90	17	:	:	PUNCT
ajmri-6067	90	18	the	the	DET
ajmri-6067	90	19	disadvantage	disadvantage	NOUN
ajmri-6067	90	20	in	in	ADP
ajmri-6067	90	21	relation	relation	NOUN
ajmri-6067	90	22	to	to	ADP
ajmri-6067	90	23	the	the	DET
ajmri-6067	90	24	lack	lack	NOUN
ajmri-6067	90	25	of	of	ADP
ajmri-6067	90	26	methodology	methodology	NOUN
ajmri-6067	90	27	is	be	AUX
ajmri-6067	90	28	that	that	SCONJ
ajmri-6067	90	29	the	the	DET
ajmri-6067	90	30	study	study	NOUN
ajmri-6067	90	31	is	be	AUX
ajmri-6067	90	32	not	not	PART
ajmri-6067	90	33	able	able	ADJ
ajmri-6067	90	34	to	to	PART
ajmri-6067	90	35	help	help	VERB
ajmri-6067	90	36	researchers	researcher	NOUN
ajmri-6067	90	37	to	to	PART
ajmri-6067	90	38	make	make	VERB
ajmri-6067	90	39	effective	effective	ADJ
ajmri-6067	90	40	evaluation	evaluation	NOUN
ajmri-6067	90	41	of	of	ADP
ajmri-6067	90	42	the	the	DET
ajmri-6067	90	43	study	study	NOUN
ajmri-6067	90	44	’s	’s	PART
ajmri-6067	90	45	reliability	reliability	NOUN
ajmri-6067	90	46	and	and	CCONJ
ajmri-6067	90	47	gumminess	gumminess	NOUN
ajmri-6067	90	48	.	.	PUNCT
ajmri-6067	91	1	also	also	ADV
ajmri-6067	91	2	the	the	DET
ajmri-6067	91	3	study	study	NOUN
ajmri-6067	91	4	failed	fail	VERB
ajmri-6067	91	5	to	to	PART
ajmri-6067	91	6	consider	consider	VERB
ajmri-6067	91	7	how	how	SCONJ
ajmri-6067	91	8	resistance	resistance	NOUN
ajmri-6067	91	9	on	on	ADP
ajmri-6067	91	10	innovative	innovative	ADJ
ajmri-6067	91	11	mind	mind	NOUN
ajmri-6067	91	12	-	-	PUNCT
ajmri-6067	91	13	sets	set	NOUN
ajmri-6067	91	14	could	could	AUX
ajmri-6067	91	15	negatively	negatively	ADV
ajmri-6067	91	16	impact	impact	VERB
ajmri-6067	91	17	on	on	ADP
ajmri-6067	91	18	financial	financial	ADJ
ajmri-6067	91	19	institution	institution	NOUN
ajmri-6067	91	20	and	and	CCONJ
ajmri-6067	91	21	what	what	DET
ajmri-6067	91	22	resistance	resistance	NOUN
ajmri-6067	91	23	triggering	trigger	VERB
ajmri-6067	91	24	factors	factor	NOUN
ajmri-6067	91	25	are	be	AUX
ajmri-6067	91	26	available	available	ADJ
ajmri-6067	91	27	?	?	PUNCT
ajmri-6067	92	1	innovation	innovation	NOUN
ajmri-6067	92	2	in	in	ADP
ajmri-6067	92	3	payment	payment	NOUN
ajmri-6067	92	4	system	system	NOUN
ajmri-6067	92	5	bech	bech	NOUN
ajmri-6067	92	6	and	and	CCONJ
ajmri-6067	92	7	hancock	hancock	PROPN
ajmri-6067	92	8	(	(	PUNCT
ajmri-6067	92	9	2020	2020	NUM
ajmri-6067	92	10	)	)	PUNCT
ajmri-6067	92	11	write	write	VERB
ajmri-6067	92	12	on	on	ADP
ajmri-6067	92	13	innovation	innovation	NOUN
ajmri-6067	92	14	in	in	ADP
ajmri-6067	92	15	payments	payment	NOUN
ajmri-6067	92	16	.	.	PUNCT
ajmri-6067	93	1	the	the	DET
ajmri-6067	93	2	study	study	NOUN
ajmri-6067	93	3	explores	explore	VERB
ajmri-6067	93	4	the	the	DET
ajmri-6067	93	5	rapid	rapid	ADJ
ajmri-6067	93	6	evolution	evolution	NOUN
ajmri-6067	93	7	of	of	ADP
ajmri-6067	93	8	payment	payment	NOUN
ajmri-6067	93	9	systems	system	NOUN
ajmri-6067	93	10	,	,	PUNCT
ajmri-6067	93	11	driven	drive	VERB
ajmri-6067	93	12	by	by	ADP
ajmri-6067	93	13	technological	technological	ADJ
ajmri-6067	93	14	advancements	advancement	NOUN
ajmri-6067	93	15	.	.	PUNCT
ajmri-6067	94	1	the	the	DET
ajmri-6067	94	2	study	study	NOUN
ajmri-6067	94	3	highlights	highlight	VERB
ajmri-6067	94	4	the	the	DET
ajmri-6067	94	5	importance	importance	NOUN
ajmri-6067	94	6	of	of	ADP
ajmri-6067	94	7	innovation	innovation	NOUN
ajmri-6067	94	8	in	in	ADP
ajmri-6067	94	9	payment	payment	NOUN
ajmri-6067	94	10	systems	system	NOUN
ajmri-6067	94	11	,	,	PUNCT
ajmri-6067	94	12	while	while	SCONJ
ajmri-6067	94	13	also	also	ADV
ajmri-6067	94	14	emphasizes	emphasize	VERB
ajmri-6067	94	15	the	the	DET
ajmri-6067	94	16	need	need	NOUN
ajmri-6067	94	17	to	to	PART
ajmri-6067	94	18	address	address	VERB
ajmri-6067	94	19	ongoing	ongoing	ADJ
ajmri-6067	94	20	challenges	challenge	NOUN
ajmri-6067	94	21	related	relate	VERB
ajmri-6067	94	22	to	to	ADP
ajmri-6067	94	23	access	access	NOUN
ajmri-6067	94	24	and	and	CCONJ
ajmri-6067	94	25	crossborder	crossborder	NOUN
ajmri-6067	94	26	payment	payment	NOUN
ajmri-6067	94	27	.	.	PUNCT
ajmri-6067	95	1	according	accord	VERB
ajmri-6067	95	2	to	to	ADP
ajmri-6067	95	3	the	the	DET
ajmri-6067	95	4	study	study	NOUN
ajmri-6067	95	5	,	,	PUNCT
ajmri-6067	95	6	technological	technological	ADJ
ajmri-6067	95	7	advancement	advancement	NOUN
ajmri-6067	95	8	has	have	AUX
ajmri-6067	95	9	transformed	transform	VERB
ajmri-6067	95	10	the	the	DET
ajmri-6067	95	11	way	way	NOUN
ajmri-6067	95	12	individuals	individual	NOUN
ajmri-6067	95	13	and	and	CCONJ
ajmri-6067	95	14	businesses	business	NOUN
ajmri-6067	95	15	conduct	conduct	VERB
ajmri-6067	95	16	transection	transection	NOUN
ajmri-6067	95	17	,	,	PUNCT
ajmri-6067	95	18	with	with	ADP
ajmri-6067	95	19	understanding	understand	VERB
ajmri-6067	95	20	that	that	DET
ajmri-6067	95	21	innovation	innovation	NOUN
ajmri-6067	95	22	in	in	ADP
ajmri-6067	95	23	payments	payment	NOUN
ajmri-6067	95	24	have	have	AUX
ajmri-6067	95	25	made	make	VERB
ajmri-6067	95	26	domestic	domestic	ADJ
ajmri-6067	95	27	transactions	transaction	NOUN
ajmri-6067	95	28	safer	safe	ADJ
ajmri-6067	95	29	,	,	PUNCT
ajmri-6067	95	30	faster	fast	ADJ
ajmri-6067	95	31	and	and	CCONJ
ajmri-6067	95	32	cheaper	cheap	ADJ
ajmri-6067	95	33	,	,	PUNCT
ajmri-6067	95	34	with	with	ADP
ajmri-6067	95	35	many	many	ADJ
ajmri-6067	95	36	systems	system	NOUN
ajmri-6067	95	37	now	now	ADV
ajmri-6067	95	38	operating	operate	VERB
ajmri-6067	95	39	24/7	24/7	PROPN
ajmri-6067	95	40	in	in	ADP
ajmri-6067	95	41	many	many	ADJ
ajmri-6067	95	42	countries	country	NOUN
ajmri-6067	95	43	.	.	PUNCT
ajmri-6067	96	1	buttressing	buttress	VERB
ajmri-6067	96	2	the	the	DET
ajmri-6067	96	3	position	position	NOUN
ajmri-6067	96	4	of	of	ADP
ajmri-6067	96	5	petralia	petralia	PROPN
ajmri-6067	96	6	et	et	PROPN
ajmri-6067	96	7	al	al	PROPN
ajmri-6067	96	8	.	.	PROPN
ajmri-6067	97	1	(	(	PUNCT
ajmri-6067	97	2	2019	2019	NUM
ajmri-6067	97	3	)	)	PUNCT
ajmri-6067	97	4	who	who	PRON
ajmri-6067	97	5	argue	argue	VERB
ajmri-6067	97	6	that	that	SCONJ
ajmri-6067	97	7	technological	technological	ADJ
ajmri-6067	97	8	innovation	innovation	NOUN
ajmri-6067	97	9	is	be	AUX
ajmri-6067	97	10	helping	help	VERB
ajmri-6067	97	11	transforming	transform	VERB
ajmri-6067	97	12	financial	financial	ADJ
ajmri-6067	97	13	services	service	NOUN
ajmri-6067	97	14	and	and	CCONJ
ajmri-6067	97	15	products	product	NOUN
ajmri-6067	97	16	,	,	PUNCT
ajmri-6067	97	17	with	with	ADP
ajmri-6067	97	18	evidence	evidence	NOUN
ajmri-6067	97	19	that	that	SCONJ
ajmri-6067	97	20	payments	payment	NOUN
ajmri-6067	97	21	have	have	AUX
ajmri-6067	97	22	been	be	AUX
ajmri-6067	97	23	and	and	CCONJ
ajmri-6067	97	24	continue	continue	VERB
ajmri-6067	97	25	to	to	PART
ajmri-6067	97	26	be	be	AUX
ajmri-6067	97	27	the	the	DET
ajmri-6067	97	28	activity	activity	NOUN
ajmri-6067	97	29	most	most	ADV
ajmri-6067	97	30	affected	affect	VERB
ajmri-6067	97	31	by	by	ADP
ajmri-6067	97	32	technological	technological	ADJ
ajmri-6067	97	33	innovation	innovation	NOUN
ajmri-6067	97	34	.	.	PUNCT
ajmri-6067	98	1	bech	bech	PROPN
ajmri-6067	98	2	et	et	PROPN
ajmri-6067	98	3	al	al	PROPN
ajmri-6067	98	4	.	.	PROPN
ajmri-6067	98	5	(	(	PUNCT
ajmri-6067	98	6	2020	2020	NUM
ajmri-6067	98	7	)	)	PUNCT
ajmri-6067	98	8	shows	show	VERB
ajmri-6067	98	9	key	key	ADJ
ajmri-6067	98	10	significant	significant	ADJ
ajmri-6067	98	11	progress	progress	NOUN
ajmri-6067	98	12	includes	include	VERB
ajmri-6067	98	13	efficiency	efficiency	NOUN
ajmri-6067	98	14	and	and	CCONJ
ajmri-6067	98	15	accessibility	accessibility	NOUN
ajmri-6067	98	16	of	of	ADP
ajmri-6067	98	17	financial	financial	ADJ
ajmri-6067	98	18	transactions	transaction	NOUN
ajmri-6067	98	19	.	.	PUNCT
ajmri-6067	99	1	beyond	beyond	ADP
ajmri-6067	99	2	these	these	DET
ajmri-6067	99	3	advantages	advantage	NOUN
ajmri-6067	99	4	,	,	PUNCT
ajmri-6067	99	5	the	the	DET
ajmri-6067	99	6	researchers	researcher	NOUN
ajmri-6067	99	7	were	be	AUX
ajmri-6067	99	8	able	able	ADJ
ajmri-6067	99	9	to	to	PART
ajmri-6067	99	10	explore	explore	VERB
ajmri-6067	99	11	the	the	DET
ajmri-6067	99	12	key	key	ADJ
ajmri-6067	99	13	challenges	challenge	NOUN
ajmri-6067	99	14	associated	associate	VERB
ajmri-6067	99	15	to	to	ADP
ajmri-6067	99	16	these	these	DET
ajmri-6067	99	17	innovations	innovation	NOUN
ajmri-6067	99	18	and	and	CCONJ
ajmri-6067	99	19	technological	technological	ADJ
ajmri-6067	99	20	advancement	advancement	NOUN
ajmri-6067	99	21	.	.	PUNCT
ajmri-6067	100	1	the	the	DET
ajmri-6067	100	2	key	key	ADJ
ajmri-6067	100	3	shortfalls	shortfall	NOUN
ajmri-6067	100	4	include	include	VERB
ajmri-6067	100	5	:	:	PUNCT
ajmri-6067	100	6	the	the	DET
ajmri-6067	100	7	fact	fact	NOUN
ajmri-6067	100	8	that	that	SCONJ
ajmri-6067	100	9	challenges	challenge	NOUN
ajmri-6067	100	10	persist	persist	VERB
ajmri-6067	100	11	,	,	PUNCT
ajmri-6067	100	12	particularly	particularly	ADV
ajmri-6067	100	13	,	,	PUNCT
ajmri-6067	100	14	in	in	ADP
ajmri-6067	100	15	cross	cross	ADJ
ajmri-6067	100	16	-	-	ADJ
ajmri-6067	100	17	border	border	ADJ
ajmri-6067	100	18	payments	payment	NOUN
ajmri-6067	100	19	and	and	CCONJ
ajmri-6067	100	20	access	access	NOUN
ajmri-6067	100	21	to	to	ADP
ajmri-6067	100	22	payment	payment	NOUN
ajmri-6067	100	23	systems	system	NOUN
ajmri-6067	100	24	in	in	ADP
ajmri-6067	100	25	emerging	emerge	VERB
ajmri-6067	100	26	market	market	NOUN
ajmri-6067	100	27	and	and	CCONJ
ajmri-6067	100	28	developing	develop	VERB
ajmri-6067	100	29	economies	economy	NOUN
ajmri-6067	100	30	.	.	PUNCT
ajmri-6067	101	1	innovation	innovation	NOUN
ajmri-6067	101	2	effects	effect	NOUN
ajmri-6067	101	3	on	on	ADP
ajmri-6067	101	4	the	the	DET
ajmri-6067	101	5	banking	banking	NOUN
ajmri-6067	101	6	sector	sector	NOUN
ajmri-6067	101	7	in	in	ADP
ajmri-6067	101	8	europe	europe	PROPN
ajmri-6067	101	9	there	there	PRON
ajmri-6067	101	10	have	have	AUX
ajmri-6067	101	11	been	be	AUX
ajmri-6067	101	12	tens	ten	NOUN
ajmri-6067	101	13	of	of	ADP
ajmri-6067	101	14	tools	tool	NOUN
ajmri-6067	101	15	from	from	ADP
ajmri-6067	101	16	scientific	scientific	ADJ
ajmri-6067	101	17	perspectives	perspective	NOUN
ajmri-6067	101	18	to	to	PART
ajmri-6067	101	19	measure	measure	VERB
ajmri-6067	101	20	innovation	innovation	NOUN
ajmri-6067	101	21	and	and	CCONJ
ajmri-6067	101	22	success	success	NOUN
ajmri-6067	101	23	of	of	ADP
ajmri-6067	101	24	enterprises	enterprise	NOUN
ajmri-6067	101	25	according	accord	VERB
ajmri-6067	101	26	to	to	ADP
ajmri-6067	101	27	mihić	mihić	PROPN
ajmri-6067	101	28	et	et	PROPN
ajmri-6067	101	29	al	al	PROPN
ajmri-6067	101	30	.	.	PROPN
ajmri-6067	102	1	(	(	PUNCT
ajmri-6067	102	2	2015	2015	NUM
ajmri-6067	102	3	)	)	PUNCT
ajmri-6067	102	4	.	.	PUNCT
ajmri-6067	103	1	the	the	DET
ajmri-6067	103	2	researcher	researcher	NOUN
ajmri-6067	103	3	and	and	CCONJ
ajmri-6067	103	4	pa	pa	PROPN
ajmri-6067	103	5	ge	ge	PROPN
ajmri-6067	103	6	51	51	NUM
ajmri-6067	103	7	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	103	8	am	am	NOUN
ajmri-6067	103	9	.	.	PUNCT
ajmri-6067	104	1	j.	j.	PROPN
ajmri-6067	104	2	multidis	multidis	PROPN
ajmri-6067	104	3	.	.	PUNCT
ajmri-6067	105	1	res	re	NOUN
ajmri-6067	105	2	.	.	PUNCT
ajmri-6067	106	1	innov	innov	PROPN
ajmri-6067	106	2	.	.	PUNCT
ajmri-6067	107	1	4(6	4(6	NUM
ajmri-6067	107	2	)	)	PUNCT
ajmri-6067	107	3	48	48	NUM
ajmri-6067	107	4	-	-	SYM
ajmri-6067	107	5	57	57	NUM
ajmri-6067	107	6	,	,	PUNCT
ajmri-6067	107	7	2025	2025	NUM
ajmri-6067	107	8	scientist	scientist	NOUN
ajmri-6067	107	9	write	write	VERB
ajmri-6067	107	10	on	on	ADP
ajmri-6067	107	11	the	the	DET
ajmri-6067	107	12	role	role	NOUN
ajmri-6067	107	13	of	of	ADP
ajmri-6067	107	14	organizational	organizational	ADJ
ajmri-6067	107	15	innovation	innovation	NOUN
ajmri-6067	107	16	in	in	ADP
ajmri-6067	107	17	achieving	achieve	VERB
ajmri-6067	107	18	and	and	CCONJ
ajmri-6067	107	19	maintaining	maintain	VERB
ajmri-6067	107	20	company	company	NOUN
ajmri-6067	107	21	’s	’s	PART
ajmri-6067	107	22	business	business	NOUN
ajmri-6067	107	23	excellence	excellence	PROPN
ajmri-6067	107	24	.	.	PUNCT
ajmri-6067	108	1	the	the	DET
ajmri-6067	108	2	study	study	NOUN
ajmri-6067	108	3	seeks	seek	VERB
ajmri-6067	108	4	to	to	PART
ajmri-6067	108	5	analyze	analyze	VERB
ajmri-6067	108	6	the	the	DET
ajmri-6067	108	7	relationship	relationship	NOUN
ajmri-6067	108	8	that	that	PRON
ajmri-6067	108	9	exists	exist	VERB
ajmri-6067	108	10	between	between	ADP
ajmri-6067	108	11	innovation	innovation	NOUN
ajmri-6067	108	12	and	and	CCONJ
ajmri-6067	108	13	business	business	NOUN
ajmri-6067	108	14	excellence	excellence	PROPN
ajmri-6067	108	15	,	,	PUNCT
ajmri-6067	108	16	targeting	target	VERB
ajmri-6067	108	17	large	large	ADJ
ajmri-6067	108	18	manufacturing	manufacturing	NOUN
ajmri-6067	108	19	companies	company	NOUN
ajmri-6067	108	20	in	in	ADP
ajmri-6067	108	21	bosnia	bosnia	PROPN
ajmri-6067	108	22	and	and	CCONJ
ajmri-6067	108	23	herzegovina	herzegovina	PROPN
ajmri-6067	108	24	,	,	PUNCT
ajmri-6067	108	25	using	use	VERB
ajmri-6067	108	26	a	a	DET
ajmri-6067	108	27	tested	test	VERB
ajmri-6067	108	28	methodology	methodology	NOUN
ajmri-6067	108	29	created	create	VERB
ajmri-6067	108	30	by	by	ADP
ajmri-6067	108	31	the	the	DET
ajmri-6067	108	32	croatian	croatian	ADJ
ajmri-6067	108	33	scholar	scholar	NOUN
ajmri-6067	108	34	.	.	PUNCT
ajmri-6067	109	1	according	accord	VERB
ajmri-6067	109	2	to	to	ADP
ajmri-6067	109	3	the	the	DET
ajmri-6067	109	4	paper	paper	NOUN
ajmri-6067	109	5	,	,	PUNCT
ajmri-6067	109	6	in	in	ADP
ajmri-6067	109	7	in	in	ADP
ajmri-6067	109	8	croatian	croatian	ADJ
ajmri-6067	109	9	:	:	PUNCT
ajmri-6067	109	10	“	"	PUNCT
ajmri-6067	109	11	hvatski	hvatski	ADJ
ajmri-6067	109	12	kvocijent	kvocijent	ADJ
ajmri-6067	109	13	inovativnosti	inovativnosti	NOUN
ajmri-6067	109	14	”	"	PUNCT
ajmri-6067	109	15	(	(	PUNCT
ajmri-6067	109	16	hki	hki	NOUN
ajmri-6067	109	17	)	)	PUNCT
ajmri-6067	109	18	is	be	AUX
ajmri-6067	109	19	applied	apply	VERB
ajmri-6067	109	20	to	to	PART
ajmri-6067	109	21	assess	assess	VERB
ajmri-6067	109	22	the	the	DET
ajmri-6067	109	23	condition	condition	NOUN
ajmri-6067	109	24	and	and	CCONJ
ajmri-6067	109	25	the	the	DET
ajmri-6067	109	26	activities	activity	NOUN
ajmri-6067	109	27	undertaken	undertake	VERB
ajmri-6067	109	28	in	in	ADP
ajmri-6067	109	29	order	order	NOUN
ajmri-6067	109	30	to	to	PART
ajmri-6067	109	31	build	build	VERB
ajmri-6067	109	32	innovation	innovation	NOUN
ajmri-6067	109	33	capacity	capacity	NOUN
ajmri-6067	109	34	,	,	PUNCT
ajmri-6067	109	35	and	and	CCONJ
ajmri-6067	109	36	an	an	DET
ajmri-6067	109	37	assessment	assessment	NOUN
ajmri-6067	109	38	of	of	ADP
ajmri-6067	109	39	the	the	DET
ajmri-6067	109	40	enterprise	enterprise	NOUN
ajmri-6067	109	41	innovation	innovation	NOUN
ajmri-6067	109	42	level	level	NOUN
ajmri-6067	109	43	,	,	PUNCT
ajmri-6067	109	44	whereas	whereas	SCONJ
ajmri-6067	109	45	the	the	DET
ajmri-6067	109	46	methodology	methodology	NOUN
ajmri-6067	109	47	of	of	ADP
ajmri-6067	109	48	bex	bex	PROPN
ajmri-6067	109	49	index	index	NOUN
ajmri-6067	109	50	(	(	PUNCT
ajmri-6067	109	51	business	business	PROPN
ajmri-6067	109	52	excellence	excellence	PROPN
ajmri-6067	109	53	index	index	PROPN
ajmri-6067	109	54	)	)	PUNCT
ajmri-6067	109	55	was	be	AUX
ajmri-6067	109	56	used	use	VERB
ajmri-6067	109	57	to	to	PART
ajmri-6067	109	58	measure	measure	VERB
ajmri-6067	109	59	business	business	NOUN
ajmri-6067	109	60	excellence	excellence	NOUN
ajmri-6067	109	61	of	of	ADP
ajmri-6067	109	62	an	an	DET
ajmri-6067	109	63	enterprise	enterprise	NOUN
ajmri-6067	109	64	.	.	PUNCT
ajmri-6067	110	1	the	the	DET
ajmri-6067	110	2	research	research	NOUN
ajmri-6067	110	3	objective	objective	NOUN
ajmri-6067	110	4	then	then	ADV
ajmri-6067	110	5	was	be	AUX
ajmri-6067	110	6	to	to	PART
ajmri-6067	110	7	research	research	NOUN
ajmri-6067	110	8	degree	degree	NOUN
ajmri-6067	110	9	of	of	ADP
ajmri-6067	110	10	innovativeness	innovativeness	NOUN
ajmri-6067	110	11	of	of	ADP
ajmri-6067	110	12	companies	company	NOUN
ajmri-6067	110	13	in	in	ADP
ajmri-6067	110	14	bosna	bosna	PROPN
ajmri-6067	110	15	and	and	CCONJ
ajmri-6067	110	16	herzegovina	herzegovina	PROPN
ajmri-6067	110	17	and	and	CCONJ
ajmri-6067	110	18	gave	give	VERB
ajmri-6067	110	19	an	an	DET
ajmri-6067	110	20	answer	answer	NOUN
ajmri-6067	110	21	to	to	ADP
ajmri-6067	110	22	the	the	DET
ajmri-6067	110	23	research	research	NOUN
ajmri-6067	110	24	question	question	NOUN
ajmri-6067	110	25	as	as	ADP
ajmri-6067	110	26	:	:	PUNCT
ajmri-6067	110	27	“	"	PUNCT
ajmri-6067	110	28	are	be	AUX
ajmri-6067	110	29	innovation	innovation	NOUN
ajmri-6067	110	30	companies	company	NOUN
ajmri-6067	110	31	achieving	achieve	VERB
ajmri-6067	110	32	excellence	excellence	NOUN
ajmri-6067	110	33	?	?	PUNCT
ajmri-6067	110	34	”	"	PUNCT
ajmri-6067	110	35	.	.	PUNCT
ajmri-6067	111	1	they	they	PRON
ajmri-6067	111	2	had	have	VERB
ajmri-6067	111	3	a	a	DET
ajmri-6067	111	4	result	result	NOUN
ajmri-6067	111	5	that	that	PRON
ajmri-6067	111	6	has	have	AUX
ajmri-6067	111	7	been	be	AUX
ajmri-6067	111	8	encouraging	encourage	VERB
ajmri-6067	111	9	and	and	CCONJ
ajmri-6067	111	10	stimulating	stimulate	VERB
ajmri-6067	111	11	for	for	ADP
ajmri-6067	111	12	the	the	DET
ajmri-6067	111	13	managers	manager	NOUN
ajmri-6067	111	14	of	of	ADP
ajmri-6067	111	15	those	those	DET
ajmri-6067	111	16	targeted	target	VERB
ajmri-6067	111	17	companies	company	NOUN
ajmri-6067	111	18	with	with	ADP
ajmri-6067	111	19	the	the	DET
ajmri-6067	111	20	aim	aim	NOUN
ajmri-6067	111	21	of	of	ADP
ajmri-6067	111	22	strengthening	strengthen	VERB
ajmri-6067	111	23	their	their	PRON
ajmri-6067	111	24	innovation	innovation	NOUN
ajmri-6067	111	25	capacity	capacity	NOUN
ajmri-6067	111	26	in	in	ADP
ajmri-6067	111	27	order	order	NOUN
ajmri-6067	111	28	to	to	PART
ajmri-6067	111	29	advance	advance	VERB
ajmri-6067	111	30	on	on	ADP
ajmri-6067	111	31	the	the	DET
ajmri-6067	111	32	business	business	NOUN
ajmri-6067	111	33	excellence	excellence	NOUN
ajmri-6067	111	34	ranking	ranking	NOUN
ajmri-6067	111	35	scale	scale	NOUN
ajmri-6067	111	36	in	in	ADP
ajmri-6067	111	37	europe	europe	PROPN
ajmri-6067	111	38	.	.	PUNCT
ajmri-6067	112	1	the	the	DET
ajmri-6067	112	2	study	study	NOUN
ajmri-6067	112	3	affirms	affirm	VERB
ajmri-6067	112	4	that	that	SCONJ
ajmri-6067	112	5	innovation	innovation	NOUN
ajmri-6067	112	6	level	level	NOUN
ajmri-6067	112	7	in	in	ADP
ajmri-6067	112	8	bosnia	bosnia	PROPN
ajmri-6067	112	9	and	and	CCONJ
ajmri-6067	112	10	herzegovina	herzegovina	PROPN
ajmri-6067	112	11	was	be	AUX
ajmri-6067	112	12	very	very	ADV
ajmri-6067	112	13	high	high	ADJ
ajmri-6067	112	14	based	base	VERB
ajmri-6067	112	15	on	on	ADP
ajmri-6067	112	16	efforts	effort	NOUN
ajmri-6067	112	17	on	on	ADP
ajmri-6067	112	18	companies	company	NOUN
ajmri-6067	112	19	in	in	ADP
ajmri-6067	112	20	the	the	DET
ajmri-6067	112	21	country	country	NOUN
ajmri-6067	112	22	to	to	PART
ajmri-6067	112	23	improve	improve	VERB
ajmri-6067	112	24	and	and	CCONJ
ajmri-6067	112	25	their	their	PRON
ajmri-6067	112	26	comfort	comfort	NOUN
ajmri-6067	112	27	to	to	PART
ajmri-6067	112	28	adopt	adopt	VERB
ajmri-6067	112	29	changes	change	NOUN
ajmri-6067	112	30	.	.	PUNCT
ajmri-6067	113	1	as	as	SCONJ
ajmri-6067	113	2	the	the	DET
ajmri-6067	113	3	study	study	NOUN
ajmri-6067	113	4	seeks	seek	VERB
ajmri-6067	113	5	to	to	PART
ajmri-6067	113	6	analyze	analyze	VERB
ajmri-6067	113	7	the	the	DET
ajmri-6067	113	8	relationship	relationship	NOUN
ajmri-6067	113	9	between	between	ADP
ajmri-6067	113	10	innovation	innovation	NOUN
ajmri-6067	113	11	and	and	CCONJ
ajmri-6067	113	12	business	business	NOUN
ajmri-6067	113	13	excellence	excellence	PROPN
ajmri-6067	113	14	,	,	PUNCT
ajmri-6067	113	15	concentrating	concentrate	VERB
ajmri-6067	113	16	on	on	ADP
ajmri-6067	113	17	only	only	ADV
ajmri-6067	113	18	large	large	ADJ
ajmri-6067	113	19	manufacturing	manufacture	VERB
ajmri-6067	113	20	companies	company	NOUN
ajmri-6067	113	21	in	in	ADP
ajmri-6067	113	22	bosnia	bosnia	PROPN
ajmri-6067	113	23	and	and	CCONJ
ajmri-6067	113	24	herzegovina	herzegovina	PROPN
ajmri-6067	113	25	,	,	PUNCT
ajmri-6067	113	26	with	with	ADP
ajmri-6067	113	27	the	the	DET
ajmri-6067	113	28	use	use	NOUN
ajmri-6067	113	29	of	of	ADP
ajmri-6067	113	30	“	"	PUNCT
ajmri-6067	113	31	tested	test	VERB
ajmri-6067	113	32	methodology	methodology	NOUN
ajmri-6067	113	33	”	"	PUNCT
ajmri-6067	113	34	created	create	VERB
ajmri-6067	113	35	by	by	ADP
ajmri-6067	113	36	the	the	DET
ajmri-6067	113	37	croatian	croatian	ADJ
ajmri-6067	113	38	scholar	scholar	NOUN
ajmri-6067	113	39	,	,	PUNCT
ajmri-6067	113	40	the	the	DET
ajmri-6067	113	41	question	question	NOUN
ajmri-6067	113	42	here	here	ADV
ajmri-6067	113	43	may	may	AUX
ajmri-6067	113	44	be	be	AUX
ajmri-6067	113	45	;	;	PUNCT
ajmri-6067	113	46	would	would	AUX
ajmri-6067	113	47	the	the	DET
ajmri-6067	113	48	test	test	NOUN
ajmri-6067	113	49	methodology	methodology	NOUN
ajmri-6067	113	50	be	be	AUX
ajmri-6067	113	51	application	application	NOUN
ajmri-6067	113	52	in	in	ADP
ajmri-6067	113	53	the	the	DET
ajmri-6067	113	54	african	african	ADJ
ajmri-6067	113	55	and	and	CCONJ
ajmri-6067	113	56	most	most	ADV
ajmri-6067	113	57	specifically	specifically	ADV
ajmri-6067	113	58	the	the	DET
ajmri-6067	113	59	ghanaian	ghanaian	ADJ
ajmri-6067	113	60	situation	situation	NOUN
ajmri-6067	113	61	?	?	PUNCT
ajmri-6067	114	1	this	this	PRON
ajmri-6067	114	2	is	be	AUX
ajmri-6067	114	3	because	because	SCONJ
ajmri-6067	114	4	the	the	DET
ajmri-6067	114	5	writer	writer	NOUN
ajmri-6067	114	6	could	could	AUX
ajmri-6067	114	7	not	not	PART
ajmri-6067	114	8	have	have	VERB
ajmri-6067	114	9	extensive	extensive	ADJ
ajmri-6067	114	10	researched	research	VERB
ajmri-6067	114	11	literature	literature	NOUN
ajmri-6067	114	12	that	that	PRON
ajmri-6067	114	13	critically	critically	ADV
ajmri-6067	114	14	evaluated	evaluate	VERB
ajmri-6067	114	15	how	how	SCONJ
ajmri-6067	114	16	it	it	PRON
ajmri-6067	114	17	could	could	AUX
ajmri-6067	114	18	work	work	VERB
ajmri-6067	114	19	in	in	ADP
ajmri-6067	114	20	other	other	ADJ
ajmri-6067	114	21	regions	region	NOUN
ajmri-6067	114	22	such	such	ADJ
ajmri-6067	114	23	as	as	ADP
ajmri-6067	114	24	african	african	ADJ
ajmri-6067	114	25	.	.	PUNCT
ajmri-6067	115	1	such	such	ADJ
ajmri-6067	115	2	lack	lack	NOUN
ajmri-6067	115	3	of	of	ADP
ajmri-6067	115	4	degree	degree	NOUN
ajmri-6067	115	5	of	of	ADP
ajmri-6067	115	6	analysis	analysis	NOUN
ajmri-6067	115	7	could	could	AUX
ajmri-6067	115	8	not	not	PART
ajmri-6067	115	9	guarantee	guarantee	VERB
ajmri-6067	115	10	it	it	PRON
ajmri-6067	115	11	adaptation	adaptation	NOUN
ajmri-6067	115	12	in	in	ADP
ajmri-6067	115	13	the	the	DET
ajmri-6067	115	14	situation	situation	NOUN
ajmri-6067	115	15	in	in	ADP
ajmri-6067	115	16	ghana	ghana	PROPN
ajmri-6067	115	17	.	.	PUNCT
ajmri-6067	116	1	innovation	innovation	NOUN
ajmri-6067	116	2	effects	effect	NOUN
ajmri-6067	116	3	on	on	ADP
ajmri-6067	116	4	the	the	DET
ajmri-6067	116	5	banking	banking	NOUN
ajmri-6067	116	6	sector	sector	NOUN
ajmri-6067	116	7	in	in	ADP
ajmri-6067	116	8	asia	asia	PROPN
ajmri-6067	116	9	lin	lin	PROPN
ajmri-6067	116	10	et	et	PROPN
ajmri-6067	116	11	al	al	PROPN
ajmri-6067	116	12	.	.	PROPN
ajmri-6067	117	1	(	(	PUNCT
ajmri-6067	117	2	2018	2018	NUM
ajmri-6067	117	3	)	)	PUNCT
ajmri-6067	117	4	,	,	PUNCT
ajmri-6067	117	5	writes	write	VERB
ajmri-6067	117	6	on	on	ADP
ajmri-6067	117	7	the	the	DET
ajmri-6067	117	8	topic	topic	NOUN
ajmri-6067	117	9	known	know	VERB
ajmri-6067	117	10	as	as	ADP
ajmri-6067	117	11	banking	banking	NOUN
ajmri-6067	117	12	and	and	CCONJ
ajmri-6067	117	13	innovation	innovation	NOUN
ajmri-6067	117	14	:	:	PUNCT
ajmri-6067	117	15	a	a	DET
ajmri-6067	117	16	review	review	NOUN
ajmri-6067	117	17	.	.	PUNCT
ajmri-6067	118	1	the	the	DET
ajmri-6067	118	2	study	study	NOUN
ajmri-6067	118	3	provides	provide	VERB
ajmri-6067	118	4	a	a	DET
ajmri-6067	118	5	summary	summary	NOUN
ajmri-6067	118	6	of	of	ADP
ajmri-6067	118	7	the	the	DET
ajmri-6067	118	8	major	major	ADJ
ajmri-6067	118	9	findings	finding	NOUN
ajmri-6067	118	10	based	base	VERB
ajmri-6067	118	11	on	on	ADP
ajmri-6067	118	12	empirical	empirical	ADJ
ajmri-6067	118	13	studies	study	NOUN
ajmri-6067	118	14	,	,	PUNCT
ajmri-6067	118	15	and	and	CCONJ
ajmri-6067	118	16	examined	examine	VERB
ajmri-6067	118	17	the	the	DET
ajmri-6067	118	18	effect	effect	NOUN
ajmri-6067	118	19	of	of	ADP
ajmri-6067	118	20	banking	banking	NOUN
ajmri-6067	118	21	development	development	NOUN
ajmri-6067	118	22	on	on	ADP
ajmri-6067	118	23	innovation	innovation	NOUN
ajmri-6067	118	24	;	;	PUNCT
ajmri-6067	118	25	and	and	CCONJ
ajmri-6067	118	26	subsequently	subsequently	ADV
ajmri-6067	118	27	highlighted	highlight	VERB
ajmri-6067	118	28	the	the	DET
ajmri-6067	118	29	relative	relative	ADJ
ajmri-6067	118	30	contributions	contribution	NOUN
ajmri-6067	118	31	that	that	PRON
ajmri-6067	118	32	could	could	AUX
ajmri-6067	118	33	in	in	ADP
ajmri-6067	118	34	a	a	DET
ajmri-6067	118	35	nutshell	nutshell	ADJ
ajmri-6067	118	36	support	support	NOUN
ajmri-6067	118	37	the	the	DET
ajmri-6067	118	38	understanding	understanding	NOUN
ajmri-6067	118	39	of	of	ADP
ajmri-6067	118	40	the	the	DET
ajmri-6067	118	41	roles	role	NOUN
ajmri-6067	118	42	banking	banking	NOUN
ajmri-6067	118	43	sectors	sector	NOUN
ajmri-6067	118	44	play	play	VERB
ajmri-6067	118	45	if	if	SCONJ
ajmri-6067	118	46	they	they	PRON
ajmri-6067	118	47	determine	determine	VERB
ajmri-6067	118	48	to	to	PART
ajmri-6067	118	49	make	make	VERB
ajmri-6067	118	50	innovation	innovation	NOUN
ajmri-6067	118	51	practical	practical	ADJ
ajmri-6067	118	52	.	.	PUNCT
ajmri-6067	119	1	nicholas	nicholas	PROPN
ajmri-6067	119	2	(	(	PUNCT
ajmri-6067	119	3	2014	2014	NUM
ajmri-6067	119	4	)	)	PUNCT
ajmri-6067	119	5	writes	write	VERB
ajmri-6067	119	6	on	on	ADP
ajmri-6067	119	7	“	"	PUNCT
ajmri-6067	119	8	did	do	AUX
ajmri-6067	119	9	bank	bank	NOUN
ajmri-6067	119	10	distress	distress	NOUN
ajmri-6067	119	11	stifle	stifle	VERB
ajmri-6067	119	12	innovation	innovation	NOUN
ajmri-6067	119	13	during	during	ADP
ajmri-6067	119	14	the	the	DET
ajmri-6067	119	15	great	great	ADJ
ajmri-6067	119	16	depression	depression	NOUN
ajmri-6067	119	17	?	?	PUNCT
ajmri-6067	119	18	”	"	PUNCT
ajmri-6067	120	1	the	the	DET
ajmri-6067	120	2	study	study	NOUN
ajmri-6067	120	3	depended	depend	VERB
ajmri-6067	120	4	on	on	ADP
ajmri-6067	120	5	the	the	DET
ajmri-6067	120	6	negative	negative	ADJ
ajmri-6067	120	7	shocks	shock	NOUN
ajmri-6067	120	8	to	to	ADP
ajmri-6067	120	9	the	the	DET
ajmri-6067	120	10	banking	banking	NOUN
ajmri-6067	120	11	system	system	NOUN
ajmri-6067	120	12	during	during	ADP
ajmri-6067	120	13	the	the	DET
ajmri-6067	120	14	great	great	ADJ
ajmri-6067	120	15	depression	depression	NOUN
ajmri-6067	120	16	in	in	ADP
ajmri-6067	120	17	the	the	DET
ajmri-6067	120	18	1930s	1930	NOUN
ajmri-6067	120	19	,	,	PUNCT
ajmri-6067	120	20	specifically	specifically	ADV
ajmri-6067	120	21	,	,	PUNCT
ajmri-6067	120	22	in	in	ADP
ajmri-6067	120	23	us	we	PRON
ajmri-6067	120	24	.	.	PUNCT
ajmri-6067	121	1	the	the	DET
ajmri-6067	121	2	study	study	NOUN
ajmri-6067	121	3	examined	examine	VERB
ajmri-6067	121	4	the	the	DET
ajmri-6067	121	5	effect	effect	NOUN
ajmri-6067	121	6	of	of	ADP
ajmri-6067	121	7	bank	bank	NOUN
ajmri-6067	121	8	distress	distress	NOUN
ajmri-6067	121	9	in	in	ADP
ajmri-6067	121	10	relation	relation	NOUN
ajmri-6067	121	11	to	to	ADP
ajmri-6067	121	12	corporate	corporate	ADJ
ajmri-6067	121	13	innovation	innovation	NOUN
ajmri-6067	121	14	,	,	PUNCT
ajmri-6067	121	15	contributing	contribute	VERB
ajmri-6067	121	16	to	to	ADP
ajmri-6067	121	17	the	the	DET
ajmri-6067	121	18	understanding	understanding	NOUN
ajmri-6067	121	19	of	of	ADP
ajmri-6067	121	20	the	the	DET
ajmri-6067	121	21	link	link	NOUN
ajmri-6067	121	22	between	between	ADP
ajmri-6067	121	23	the	the	DET
ajmri-6067	121	24	health	health	NOUN
ajmri-6067	121	25	of	of	ADP
ajmri-6067	121	26	the	the	DET
ajmri-6067	121	27	financial	financial	ADJ
ajmri-6067	121	28	sector	sector	NOUN
ajmri-6067	121	29	and	and	CCONJ
ajmri-6067	121	30	the	the	DET
ajmri-6067	121	31	real	real	ADJ
ajmri-6067	121	32	economic	economic	ADJ
ajmri-6067	121	33	growth	growth	NOUN
ajmri-6067	121	34	via	via	ADP
ajmri-6067	121	35	technological	technological	ADJ
ajmri-6067	121	36	development	development	NOUN
ajmri-6067	121	37	during	during	ADP
ajmri-6067	121	38	the	the	DET
ajmri-6067	121	39	important	important	ADJ
ajmri-6067	121	40	stage	stage	NOUN
ajmri-6067	121	41	of	of	ADP
ajmri-6067	121	42	history	history	NOUN
ajmri-6067	121	43	.	.	PUNCT
ajmri-6067	122	1	in	in	ADP
ajmri-6067	122	2	the	the	DET
ajmri-6067	122	3	findings	finding	NOUN
ajmri-6067	122	4	,	,	PUNCT
ajmri-6067	122	5	the	the	DET
ajmri-6067	122	6	researcher	researcher	NOUN
ajmri-6067	122	7	was	be	AUX
ajmri-6067	122	8	able	able	ADJ
ajmri-6067	122	9	to	to	PART
ajmri-6067	122	10	establish	establish	VERB
ajmri-6067	122	11	that	that	SCONJ
ajmri-6067	122	12	there	there	PRON
ajmri-6067	122	13	is	be	VERB
ajmri-6067	122	14	a	a	DET
ajmri-6067	122	15	negative	negative	ADJ
ajmri-6067	122	16	relation	relation	NOUN
ajmri-6067	122	17	between	between	ADP
ajmri-6067	122	18	bank	bank	NOUN
ajmri-6067	122	19	distress	distress	NOUN
ajmri-6067	122	20	and	and	CCONJ
ajmri-6067	122	21	various	various	ADJ
ajmri-6067	122	22	dimensions	dimension	NOUN
ajmri-6067	122	23	of	of	ADP
ajmri-6067	122	24	firm	firm	ADJ
ajmri-6067	122	25	level	level	NOUN
ajmri-6067	122	26	innovation	innovation	NOUN
ajmri-6067	122	27	which	which	PRON
ajmri-6067	122	28	is	be	AUX
ajmri-6067	122	29	seen	see	VERB
ajmri-6067	122	30	to	to	PART
ajmri-6067	122	31	be	be	AUX
ajmri-6067	122	32	disproportionately	disproportionately	ADV
ajmri-6067	122	33	stronger	strong	ADJ
ajmri-6067	122	34	than	than	ADP
ajmri-6067	122	35	for	for	ADP
ajmri-6067	122	36	r	r	NOUN
ajmri-6067	122	37	&	&	CCONJ
ajmri-6067	122	38	d	d	NOUN
ajmri-6067	122	39	firms	firm	NOUN
ajmri-6067	122	40	that	that	PRON
ajmri-6067	122	41	has	have	VERB
ajmri-6067	122	42	greater	great	ADJ
ajmri-6067	122	43	external	external	ADJ
ajmri-6067	122	44	finance	finance	NOUN
ajmri-6067	122	45	dependence	dependence	NOUN
ajmri-6067	122	46	and	and	CCONJ
ajmri-6067	122	47	that	that	PRON
ajmri-6067	122	48	operate	operate	VERB
ajmri-6067	122	49	in	in	ADP
ajmri-6067	122	50	several	several	ADJ
ajmri-6067	122	51	distress	distress	NOUN
ajmri-6067	122	52	regions	region	NOUN
ajmri-6067	122	53	.	.	PUNCT
ajmri-6067	123	1	the	the	DET
ajmri-6067	123	2	challenges	challenge	NOUN
ajmri-6067	123	3	associated	associate	VERB
ajmri-6067	123	4	with	with	ADP
ajmri-6067	123	5	the	the	DET
ajmri-6067	123	6	great	great	ADJ
ajmri-6067	123	7	depression	depression	NOUN
ajmri-6067	123	8	era	era	NOUN
ajmri-6067	123	9	has	have	AUX
ajmri-6067	123	10	been	be	AUX
ajmri-6067	123	11	viewed	view	VERB
ajmri-6067	123	12	as	as	ADP
ajmri-6067	123	13	an	an	DET
ajmri-6067	123	14	exogenous	exogenous	ADJ
ajmri-6067	123	15	shock	shock	NOUN
ajmri-6067	123	16	to	to	ADP
ajmri-6067	123	17	the	the	DET
ajmri-6067	123	18	supply	supply	NOUN
ajmri-6067	123	19	of	of	ADP
ajmri-6067	123	20	banking	banking	NOUN
ajmri-6067	123	21	credit	credit	NOUN
ajmri-6067	123	22	for	for	ADP
ajmri-6067	123	23	both	both	CCONJ
ajmri-6067	123	24	private	private	ADJ
ajmri-6067	123	25	and	and	CCONJ
ajmri-6067	123	26	public	public	ADJ
ajmri-6067	123	27	firms	firm	NOUN
ajmri-6067	123	28	.	.	PUNCT
ajmri-6067	124	1	with	with	ADP
ajmri-6067	124	2	this	this	PRON
ajmri-6067	124	3	,	,	PUNCT
ajmri-6067	124	4	furthering	further	VERB
ajmri-6067	124	5	to	to	ADP
ajmri-6067	124	6	that	that	SCONJ
ajmri-6067	124	7	the	the	DET
ajmri-6067	124	8	study	study	NOUN
ajmri-6067	124	9	’s	’s	PART
ajmri-6067	124	10	ability	ability	NOUN
ajmri-6067	124	11	to	to	PART
ajmri-6067	124	12	apply	apply	VERB
ajmri-6067	124	13	such	such	DET
ajmri-6067	124	14	an	an	DET
ajmri-6067	124	15	empirical	empirical	ADJ
ajmri-6067	124	16	study	study	NOUN
ajmri-6067	124	17	and	and	CCONJ
ajmri-6067	124	18	systematic	systematic	ADJ
ajmri-6067	124	19	method	method	NOUN
ajmri-6067	124	20	for	for	ADP
ajmri-6067	124	21	searching	search	VERB
ajmri-6067	124	22	and	and	CCONJ
ajmri-6067	124	23	examined	examine	VERB
ajmri-6067	124	24	the	the	DET
ajmri-6067	124	25	effect	effect	NOUN
ajmri-6067	124	26	of	of	ADP
ajmri-6067	124	27	banking	banking	NOUN
ajmri-6067	124	28	development	development	NOUN
ajmri-6067	124	29	on	on	ADP
ajmri-6067	124	30	innovation	innovation	NOUN
ajmri-6067	124	31	;	;	PUNCT
ajmri-6067	124	32	and	and	CCONJ
ajmri-6067	124	33	subsequently	subsequently	ADV
ajmri-6067	124	34	highlighted	highlight	VERB
ajmri-6067	124	35	the	the	DET
ajmri-6067	124	36	relative	relative	ADJ
ajmri-6067	124	37	contributions	contribution	NOUN
ajmri-6067	124	38	that	that	PRON
ajmri-6067	124	39	could	could	AUX
ajmri-6067	124	40	support	support	VERB
ajmri-6067	124	41	the	the	DET
ajmri-6067	124	42	understanding	understanding	NOUN
ajmri-6067	124	43	of	of	ADP
ajmri-6067	124	44	the	the	DET
ajmri-6067	124	45	roles	role	NOUN
ajmri-6067	124	46	banking	banking	NOUN
ajmri-6067	124	47	sectors	sector	NOUN
ajmri-6067	124	48	was	be	AUX
ajmri-6067	124	49	enormous	enormous	ADJ
ajmri-6067	124	50	in	in	ADP
ajmri-6067	124	51	its	its	PRON
ajmri-6067	124	52	nature	nature	NOUN
ajmri-6067	124	53	.	.	PUNCT
ajmri-6067	125	1	innovation	innovation	NOUN
ajmri-6067	125	2	effects	effect	NOUN
ajmri-6067	125	3	on	on	ADP
ajmri-6067	125	4	banking	banking	NOUN
ajmri-6067	125	5	sector	sector	NOUN
ajmri-6067	125	6	in	in	ADP
ajmri-6067	125	7	australia	australia	PROPN
ajmri-6067	125	8	arnoni	arnoni	PROPN
ajmri-6067	125	9	et	et	PROPN
ajmri-6067	125	10	al	al	PROPN
ajmri-6067	125	11	.	.	PUNCT
ajmri-6067	126	1	(	(	PUNCT
ajmri-6067	126	2	2016	2016	NUM
ajmri-6067	126	3	)	)	PUNCT
ajmri-6067	126	4	write	write	VERB
ajmri-6067	126	5	on	on	ADP
ajmri-6067	126	6	future	future	NOUN
ajmri-6067	126	7	of	of	ADP
ajmri-6067	126	8	payments	payment	NOUN
ajmri-6067	126	9	in	in	ADP
ajmri-6067	126	10	australia	australia	PROPN
ajmri-6067	126	11	-	-	PUNCT
ajmri-6067	126	12	the	the	DET
ajmri-6067	126	13	future	future	NOUN
ajmri-6067	126	14	of	of	ADP
ajmri-6067	126	15	transaction	transaction	NOUN
ajmri-6067	126	16	banking	banking	NOUN
ajmri-6067	126	17	and	and	CCONJ
ajmri-6067	126	18	payments	payment	NOUN
ajmri-6067	126	19	in	in	ADP
ajmri-6067	126	20	2020	2020	NUM
ajmri-6067	126	21	.	.	PUNCT
ajmri-6067	127	1	reviewing	review	VERB
ajmri-6067	127	2	of	of	ADP
ajmri-6067	127	3	the	the	DET
ajmri-6067	127	4	pwc	pwc	PROPN
ajmri-6067	127	5	of	of	ADP
ajmri-6067	127	6	australia	australia	PROPN
ajmri-6067	127	7	’s	’s	PART
ajmri-6067	127	8	strategic	strategic	ADJ
ajmri-6067	127	9	plan	plan	NOUN
ajmri-6067	127	10	between	between	ADP
ajmri-6067	127	11	2016	2016	NUM
ajmri-6067	127	12	and	and	CCONJ
ajmri-6067	127	13	2020	2020	NUM
ajmri-6067	127	14	,	,	PUNCT
ajmri-6067	127	15	the	the	DET
ajmri-6067	127	16	document	document	NOUN
ajmri-6067	127	17	provides	provide	VERB
ajmri-6067	127	18	information	information	NOUN
ajmri-6067	127	19	about	about	ADP
ajmri-6067	127	20	the	the	DET
ajmri-6067	127	21	future	future	NOUN
ajmri-6067	127	22	of	of	ADP
ajmri-6067	127	23	transaction	transaction	NOUN
ajmri-6067	127	24	of	of	ADP
ajmri-6067	127	25	the	the	DET
ajmri-6067	127	26	bank	bank	NOUN
ajmri-6067	127	27	,	,	PUNCT
ajmri-6067	127	28	especially	especially	ADV
ajmri-6067	127	29	how	how	SCONJ
ajmri-6067	127	30	banking	banking	NOUN
ajmri-6067	127	31	and	and	CCONJ
ajmri-6067	127	32	payments	payment	NOUN
ajmri-6067	127	33	activities	activity	NOUN
ajmri-6067	127	34	will	will	AUX
ajmri-6067	127	35	make	make	VERB
ajmri-6067	127	36	in	in	ADP
ajmri-6067	127	37	2020	2020	NUM
ajmri-6067	127	38	and	and	CCONJ
ajmri-6067	127	39	beyond	beyond	ADP
ajmri-6067	127	40	considering	consider	VERB
ajmri-6067	127	41	issue	issue	NOUN
ajmri-6067	127	42	of	of	ADP
ajmri-6067	127	43	disruptions	disruption	NOUN
ajmri-6067	127	44	forces	force	NOUN
ajmri-6067	127	45	across	across	ADP
ajmri-6067	127	46	the	the	DET
ajmri-6067	127	47	payments	payment	NOUN
ajmri-6067	127	48	industry	industry	NOUN
ajmri-6067	127	49	.	.	PUNCT
ajmri-6067	128	1	agreeing	agree	VERB
ajmri-6067	128	2	with	with	ADP
ajmri-6067	128	3	pavón	pavón	NOUN
ajmri-6067	128	4	(	(	PUNCT
ajmri-6067	128	5	2009	2009	NUM
ajmri-6067	128	6	):	):	PUNCT
ajmri-6067	128	7	kyne	kyne	PROPN
ajmri-6067	128	8	solutions	solution	NOUN
ajmri-6067	128	9	–	–	PUNCT
ajmri-6067	128	10	entrepreneurship	entrepreneurship	NOUN
ajmri-6067	128	11	and	and	CCONJ
ajmri-6067	128	12	the	the	DET
ajmri-6067	128	13	business	business	NOUN
ajmri-6067	128	14	plan	plan	NOUN
ajmri-6067	128	15	;	;	PUNCT
ajmri-6067	128	16	the	the	DET
ajmri-6067	128	17	researcher	researcher	NOUN
ajmri-6067	128	18	argues	argue	VERB
ajmri-6067	128	19	that	that	SCONJ
ajmri-6067	128	20	businesses	business	NOUN
ajmri-6067	128	21	should	should	AUX
ajmri-6067	128	22	have	have	VERB
ajmri-6067	128	23	a	a	DET
ajmri-6067	128	24	going	go	VERB
ajmri-6067	128	25	concern	concern	NOUN
ajmri-6067	128	26	approach	approach	NOUN
ajmri-6067	128	27	that	that	PRON
ajmri-6067	128	28	emphasizes	emphasize	VERB
ajmri-6067	128	29	on	on	ADP
ajmri-6067	128	30	the	the	DET
ajmri-6067	128	31	future	future	NOUN
ajmri-6067	128	32	of	of	ADP
ajmri-6067	128	33	the	the	DET
ajmri-6067	128	34	firm	firm	NOUN
ajmri-6067	128	35	while	while	SCONJ
ajmri-6067	128	36	their	their	PRON
ajmri-6067	128	37	gone	go	VERB
ajmri-6067	128	38	concern	concern	NOUN
ajmri-6067	128	39	approach	approach	NOUN
ajmri-6067	128	40	focuses	focus	VERB
ajmri-6067	128	41	on	on	ADP
ajmri-6067	128	42	the	the	DET
ajmri-6067	128	43	past	past	NOUN
ajmri-6067	128	44	and	and	CCONJ
ajmri-6067	128	45	the	the	DET
ajmri-6067	128	46	current	current	ADJ
ajmri-6067	128	47	situation	situation	NOUN
ajmri-6067	128	48	of	of	ADP
ajmri-6067	128	49	the	the	DET
ajmri-6067	128	50	company	company	NOUN
ajmri-6067	128	51	.	.	PUNCT
ajmri-6067	129	1	rnoni	rnoni	NOUN
ajmri-6067	129	2	(	(	PUNCT
ajmri-6067	129	3	2016	2016	NUM
ajmri-6067	129	4	)	)	PUNCT
ajmri-6067	129	5	explains	explain	VERB
ajmri-6067	129	6	that	that	SCONJ
ajmri-6067	129	7	most	most	ADJ
ajmri-6067	129	8	of	of	ADP
ajmri-6067	129	9	payment	payment	NOUN
ajmri-6067	129	10	that	that	PRON
ajmri-6067	129	11	go	go	VERB
ajmri-6067	129	12	on	on	ADP
ajmri-6067	129	13	in	in	ADP
ajmri-6067	129	14	banking	banking	NOUN
ajmri-6067	129	15	sector	sector	NOUN
ajmri-6067	129	16	such	such	ADJ
ajmri-6067	129	17	as	as	ADP
ajmri-6067	129	18	banking	banking	NOUN
ajmri-6067	129	19	offerings	offering	NOUN
ajmri-6067	129	20	are	be	AUX
ajmri-6067	129	21	at	at	ADP
ajmri-6067	129	22	the	the	DET
ajmri-6067	129	23	center	center	NOUN
ajmri-6067	129	24	of	of	ADP
ajmri-6067	129	25	everyday	everyday	ADJ
ajmri-6067	129	26	banking	banking	NOUN
ajmri-6067	129	27	processes	process	NOUN
ajmri-6067	129	28	and	and	CCONJ
ajmri-6067	129	29	that	that	SCONJ
ajmri-6067	129	30	it	it	PRON
ajmri-6067	129	31	constitutes	constitute	VERB
ajmri-6067	129	32	about	about	ADP
ajmri-6067	129	33	25	25	NUM
ajmri-6067	129	34	per	per	ADP
ajmri-6067	129	35	cent	cent	NOUN
ajmri-6067	129	36	of	of	ADP
ajmri-6067	129	37	all	all	DET
ajmri-6067	129	38	revenue	revenue	NOUN
ajmri-6067	129	39	in	in	ADP
ajmri-6067	129	40	the	the	DET
ajmri-6067	129	41	australian	australian	ADJ
ajmri-6067	129	42	financial	financial	ADJ
ajmri-6067	129	43	system	system	NOUN
ajmri-6067	129	44	and	and	CCONJ
ajmri-6067	129	45	are	be	AUX
ajmri-6067	129	46	one	one	NUM
ajmri-6067	129	47	of	of	ADP
ajmri-6067	129	48	the	the	DET
ajmri-6067	129	49	most	most	ADV
ajmri-6067	129	50	critical	critical	ADJ
ajmri-6067	129	51	attributes	attribute	NOUN
ajmri-6067	129	52	customers	customer	NOUN
ajmri-6067	129	53	look	look	VERB
ajmri-6067	129	54	at	at	ADP
ajmri-6067	129	55	when	when	SCONJ
ajmri-6067	129	56	choosing	choose	VERB
ajmri-6067	129	57	financial	financial	ADJ
ajmri-6067	129	58	institutions	institution	NOUN
ajmri-6067	129	59	.	.	PUNCT
ajmri-6067	130	1	according	accord	VERB
ajmri-6067	130	2	to	to	ADP
ajmri-6067	130	3	the	the	DET
ajmri-6067	130	4	paper	paper	NOUN
ajmri-6067	130	5	,	,	PUNCT
ajmri-6067	130	6	in	in	ADP
ajmri-6067	130	7	australia	australia	PROPN
ajmri-6067	130	8	,	,	PUNCT
ajmri-6067	130	9	clients	client	NOUN
ajmri-6067	130	10	increasingly	increasingly	ADV
ajmri-6067	130	11	expect	expect	VERB
ajmri-6067	130	12	speed	speed	NOUN
ajmri-6067	130	13	simplicity	simplicity	NOUN
ajmri-6067	130	14	and	and	CCONJ
ajmri-6067	130	15	insights	insight	NOUN
ajmri-6067	130	16	from	from	ADP
ajmri-6067	130	17	financial	financial	ADJ
ajmri-6067	130	18	service	service	NOUN
ajmri-6067	130	19	providers	provider	NOUN
ajmri-6067	130	20	in	in	ADP
ajmri-6067	130	21	order	order	NOUN
ajmri-6067	130	22	to	to	PART
ajmri-6067	130	23	do	do	AUX
ajmri-6067	130	24	business	business	NOUN
ajmri-6067	130	25	with	with	ADP
ajmri-6067	130	26	them	they	PRON
ajmri-6067	130	27	.	.	PUNCT
ajmri-6067	131	1	this	this	PRON
ajmri-6067	131	2	means	mean	VERB
ajmri-6067	131	3	that	that	SCONJ
ajmri-6067	131	4	serious	serious	ADJ
ajmri-6067	131	5	businesses	business	NOUN
ajmri-6067	131	6	must	must	AUX
ajmri-6067	131	7	consider	consider	VERB
ajmri-6067	131	8	the	the	DET
ajmri-6067	131	9	adaptation	adaptation	NOUN
ajmri-6067	131	10	of	of	ADP
ajmri-6067	131	11	business	business	NOUN
ajmri-6067	131	12	integration	integration	NOUN
ajmri-6067	131	13	and	and	CCONJ
ajmri-6067	131	14	simplicity	simplicity	NOUN
ajmri-6067	131	15	with	with	ADP
ajmri-6067	131	16	the	the	DET
ajmri-6067	131	17	idea	idea	NOUN
ajmri-6067	131	18	of	of	ADP
ajmri-6067	131	19	one	one	NUM
ajmri-6067	131	20	-	-	PUNCT
ajmri-6067	131	21	stop	stop	VERB
ajmri-6067	131	22	-	-	PUNCT
ajmri-6067	131	23	shop	shop	NOUN
ajmri-6067	131	24	approach	approach	NOUN
ajmri-6067	131	25	.	.	PUNCT
ajmri-6067	132	1	this	this	PRON
ajmri-6067	132	2	because	because	SCONJ
ajmri-6067	132	3	many	many	ADJ
ajmri-6067	132	4	clients	client	NOUN
ajmri-6067	132	5	may	may	AUX
ajmri-6067	132	6	consider	consider	VERB
ajmri-6067	132	7	changing	change	VERB
ajmri-6067	132	8	expectation	expectation	NOUN
ajmri-6067	132	9	around	around	ADP
ajmri-6067	132	10	payments	payment	NOUN
ajmri-6067	132	11	and	and	CCONJ
ajmri-6067	132	12	transaction	transaction	NOUN
ajmri-6067	132	13	.	.	PUNCT
ajmri-6067	133	1	to	to	PART
ajmri-6067	133	2	meet	meet	VERB
ajmri-6067	133	3	these	these	DET
ajmri-6067	133	4	expectations	expectation	NOUN
ajmri-6067	133	5	by	by	ADP
ajmri-6067	133	6	clients	client	NOUN
ajmri-6067	133	7	,	,	PUNCT
ajmri-6067	133	8	the	the	DET
ajmri-6067	133	9	pwc	pwc	NOUN
ajmri-6067	133	10	banks	bank	NOUN
ajmri-6067	133	11	forge	forge	VERB
ajmri-6067	133	12	a	a	DET
ajmri-6067	133	13	strategic	strategic	ADJ
ajmri-6067	133	14	vision	vision	NOUN
ajmri-6067	133	15	to	to	PART
ajmri-6067	133	16	meet	meet	VERB
ajmri-6067	133	17	the	the	DET
ajmri-6067	133	18	overchanging	overchanging	NOUN
ajmri-6067	133	19	customers	customer	NOUN
ajmri-6067	133	20	experience	experience	NOUN
ajmri-6067	133	21	at	at	ADP
ajmri-6067	133	22	the	the	DET
ajmri-6067	133	23	heart	heart	NOUN
ajmri-6067	133	24	of	of	ADP
ajmri-6067	133	25	their	their	PRON
ajmri-6067	133	26	business	business	NOUN
ajmri-6067	133	27	by	by	ADP
ajmri-6067	133	28	the	the	DET
ajmri-6067	133	29	introduction	introduction	NOUN
ajmri-6067	133	30	of	of	ADP
ajmri-6067	133	31	the	the	DET
ajmri-6067	133	32	figure	figure	NOUN
ajmri-6067	133	33	2.1	2.1	NUM
ajmri-6067	133	34	.	.	PUNCT
ajmri-6067	134	1	below	below	ADV
ajmri-6067	134	2	;	;	PUNCT
ajmri-6067	135	1	which	which	PRON
ajmri-6067	135	2	consider	consider	VERB
ajmri-6067	135	3	the	the	DET
ajmri-6067	135	4	practices	practice	NOUN
ajmri-6067	135	5	today	today	NOUN
ajmri-6067	135	6	and	and	CCONJ
ajmri-6067	135	7	the	the	DET
ajmri-6067	135	8	required	require	VERB
ajmri-6067	135	9	practices	practice	NOUN
ajmri-6067	135	10	for	for	ADP
ajmri-6067	135	11	tomorrow	tomorrow	NOUN
ajmri-6067	135	12	.	.	PUNCT
ajmri-6067	136	1	the	the	DET
ajmri-6067	136	2	paper	paper	NOUN
ajmri-6067	136	3	through	through	ADP
ajmri-6067	136	4	the	the	DET
ajmri-6067	136	5	above	above	ADJ
ajmri-6067	136	6	figure	figure	NOUN
ajmri-6067	136	7	2.1	2.1	NUM
ajmri-6067	136	8	:	:	PUNCT
ajmri-6067	136	9	“	"	PUNCT
ajmri-6067	136	10	today	today	NOUN
ajmri-6067	136	11	’s	’s	PART
ajmri-6067	136	12	banking	banking	NOUN
ajmri-6067	136	13	practices	practice	NOUN
ajmri-6067	136	14	as	as	ADP
ajmri-6067	136	15	against	against	ADP
ajmri-6067	136	16	future	future	ADJ
ajmri-6067	136	17	expectation	expectation	NOUN
ajmri-6067	136	18	”	"	PUNCT
ajmri-6067	136	19	,	,	PUNCT
ajmri-6067	136	20	establishes	establish	VERB
ajmri-6067	136	21	that	that	SCONJ
ajmri-6067	136	22	the	the	DET
ajmri-6067	136	23	attitude	attitude	NOUN
ajmri-6067	136	24	of	of	ADP
ajmri-6067	136	25	customers	customer	NOUN
ajmri-6067	136	26	today	today	NOUN
ajmri-6067	136	27	is	be	AUX
ajmri-6067	136	28	that	that	SCONJ
ajmri-6067	136	29	,	,	PUNCT
ajmri-6067	136	30	they	they	PRON
ajmri-6067	136	31	rely	rely	VERB
ajmri-6067	136	32	on	on	ADP
ajmri-6067	136	33	local	local	ADJ
ajmri-6067	136	34	branches	branch	NOUN
ajmri-6067	136	35	of	of	ADP
ajmri-6067	136	36	bank	bank	NOUN
ajmri-6067	136	37	staff	staff	NOUN
ajmri-6067	136	38	for	for	ADP
ajmri-6067	136	39	day	day	NOUN
ajmri-6067	136	40	to	to	ADP
ajmri-6067	136	41	day	day	NOUN
ajmri-6067	136	42	banking	banking	NOUN
ajmri-6067	136	43	and	and	CCONJ
ajmri-6067	136	44	for	for	ADP
ajmri-6067	136	45	that	that	DET
ajmri-6067	136	46	matter	matter	NOUN
ajmri-6067	136	47	,	,	PUNCT
ajmri-6067	136	48	they	they	PRON
ajmri-6067	136	49	are	be	AUX
ajmri-6067	136	50	ready	ready	ADJ
ajmri-6067	136	51	to	to	PART
ajmri-6067	136	52	queue	queue	VERB
ajmri-6067	136	53	up	up	ADP
ajmri-6067	136	54	for	for	ADP
ajmri-6067	136	55	a	a	DET
ajmri-6067	136	56	simple	simple	ADJ
ajmri-6067	136	57	interbank	interbank	NOUN
ajmri-6067	136	58	transfer	transfer	NOUN
ajmri-6067	136	59	.	.	PUNCT
ajmri-6067	137	1	however	however	ADV
ajmri-6067	137	2	,	,	PUNCT
ajmri-6067	137	3	the	the	DET
ajmri-6067	137	4	study	study	NOUN
ajmri-6067	137	5	is	be	AUX
ajmri-6067	137	6	of	of	ADP
ajmri-6067	137	7	the	the	DET
ajmri-6067	137	8	view	view	NOUN
ajmri-6067	137	9	that	that	SCONJ
ajmri-6067	137	10	in	in	ADP
ajmri-6067	137	11	future	future	NOUN
ajmri-6067	137	12	,	,	PUNCT
ajmri-6067	137	13	customers	customer	NOUN
ajmri-6067	137	14	would	would	AUX
ajmri-6067	137	15	look	look	VERB
ajmri-6067	137	16	for	for	ADP
ajmri-6067	137	17	ease	ease	NOUN
ajmri-6067	137	18	and	and	CCONJ
ajmri-6067	137	19	convenience	convenience	NOUN
ajmri-6067	137	20	approach	approach	NOUN
ajmri-6067	137	21	in	in	ADP
ajmri-6067	137	22	how	how	SCONJ
ajmri-6067	137	23	bank	bank	NOUN
ajmri-6067	137	24	staff	staff	NOUN
ajmri-6067	137	25	would	would	AUX
ajmri-6067	137	26	perform	perform	VERB
ajmri-6067	137	27	in	in	ADP
ajmri-6067	137	28	their	their	PRON
ajmri-6067	137	29	dayto	dayto	NOUN
ajmri-6067	137	30	-	-	PUNCT
ajmri-6067	137	31	day	day	NOUN
ajmri-6067	137	32	payments	payment	NOUN
ajmri-6067	137	33	;	;	PUNCT
ajmri-6067	137	34	solutions	solution	NOUN
ajmri-6067	137	35	accessible	accessible	ADJ
ajmri-6067	137	36	anywhere	anywhere	ADV
ajmri-6067	137	37	at	at	ADP
ajmri-6067	137	38	any	any	DET
ajmri-6067	137	39	time	time	NOUN
ajmri-6067	137	40	on	on	ADP
ajmri-6067	137	41	any	any	DET
ajmri-6067	137	42	device	device	NOUN
ajmri-6067	137	43	.	.	PUNCT
ajmri-6067	138	1	on	on	ADP
ajmri-6067	138	2	business	business	NOUN
ajmri-6067	138	3	,	,	PUNCT
ajmri-6067	138	4	the	the	DET
ajmri-6067	138	5	paper	paper	NOUN
ajmri-6067	138	6	indicates	indicate	VERB
ajmri-6067	138	7	that	that	SCONJ
ajmri-6067	138	8	there	there	PRON
ajmri-6067	138	9	is	be	VERB
ajmri-6067	138	10	complexity	complexity	NOUN
ajmri-6067	138	11	of	of	ADP
ajmri-6067	138	12	dealing	deal	VERB
ajmri-6067	138	13	with	with	ADP
ajmri-6067	138	14	multiple	multiple	ADJ
ajmri-6067	138	15	vendors	vendor	NOUN
ajmri-6067	138	16	,	,	PUNCT
ajmri-6067	138	17	pa	pa	PROPN
ajmri-6067	138	18	ge	ge	PROPN
ajmri-6067	138	19	52	52	NUM
ajmri-6067	138	20	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	138	21	am	am	NOUN
ajmri-6067	138	22	.	.	PUNCT
ajmri-6067	139	1	j.	j.	PROPN
ajmri-6067	139	2	multidis	multidis	PROPN
ajmri-6067	139	3	.	.	PUNCT
ajmri-6067	140	1	res	re	NOUN
ajmri-6067	140	2	.	.	PUNCT
ajmri-6067	141	1	innov	innov	PROPN
ajmri-6067	141	2	.	.	PUNCT
ajmri-6067	142	1	4(6	4(6	NUM
ajmri-6067	142	2	)	)	PUNCT
ajmri-6067	142	3	48	48	NUM
ajmri-6067	142	4	-	-	SYM
ajmri-6067	142	5	57	57	NUM
ajmri-6067	142	6	,	,	PUNCT
ajmri-6067	142	7	2025	2025	NUM
ajmri-6067	142	8	lack	lack	NOUN
ajmri-6067	142	9	of	of	ADP
ajmri-6067	142	10	visibility	visibility	NOUN
ajmri-6067	142	11	over	over	ADP
ajmri-6067	142	12	cash	cash	NOUN
ajmri-6067	142	13	flow	flow	NOUN
ajmri-6067	142	14	leading	lead	VERB
ajmri-6067	142	15	to	to	ADP
ajmri-6067	142	16	difficulty	difficulty	NOUN
ajmri-6067	142	17	in	in	ADP
ajmri-6067	142	18	harnessing	harness	VERB
ajmri-6067	142	19	full	full	ADJ
ajmri-6067	142	20	capacity	capacity	NOUN
ajmri-6067	142	21	of	of	ADP
ajmri-6067	142	22	the	the	DET
ajmri-6067	142	23	business	business	NOUN
ajmri-6067	142	24	.	.	PUNCT
ajmri-6067	143	1	whiles	while	VERB
ajmri-6067	143	2	the	the	DET
ajmri-6067	143	3	future	future	ADJ
ajmri-6067	143	4	assumption	assumption	NOUN
ajmri-6067	143	5	is	be	AUX
ajmri-6067	143	6	that	that	SCONJ
ajmri-6067	143	7	clients	client	NOUN
ajmri-6067	143	8	may	may	AUX
ajmri-6067	143	9	expect	expect	VERB
ajmri-6067	143	10	the	the	DET
ajmri-6067	143	11	efficiency	efficiency	NOUN
ajmri-6067	143	12	and	and	CCONJ
ajmri-6067	143	13	reliability	reliability	NOUN
ajmri-6067	143	14	in	in	ADP
ajmri-6067	143	15	payment	payment	NOUN
ajmri-6067	143	16	processes	process	NOUN
ajmri-6067	143	17	integrated	integrate	VERB
ajmri-6067	143	18	to	to	ADP
ajmri-6067	143	19	business	business	NOUN
ajmri-6067	143	20	such	such	ADJ
ajmri-6067	143	21	as	as	ADP
ajmri-6067	143	22	erp	erp	NOUN
ajmri-6067	143	23	system	system	NOUN
ajmri-6067	143	24	and	and	CCONJ
ajmri-6067	143	25	analytics	analytic	NOUN
ajmri-6067	143	26	to	to	PART
ajmri-6067	143	27	perform	perform	VERB
ajmri-6067	143	28	better	well	ADJ
ajmri-6067	143	29	customer	customer	NOUN
ajmri-6067	143	30	management	management	NOUN
ajmri-6067	143	31	.	.	PUNCT
ajmri-6067	144	1	erp	erp	PROPN
ajmri-6067	144	2	for	for	ADP
ajmri-6067	144	3	instance	instance	NOUN
ajmri-6067	144	4	is	be	AUX
ajmri-6067	144	5	a	a	DET
ajmri-6067	144	6	technology	technology	NOUN
ajmri-6067	144	7	to	to	PART
ajmri-6067	144	8	foster	foster	VERB
ajmri-6067	144	9	speedy	speedy	ADJ
ajmri-6067	144	10	and	and	CCONJ
ajmri-6067	144	11	efficiency	efficiency	NOUN
ajmri-6067	144	12	business	business	NOUN
ajmri-6067	144	13	performance	performance	NOUN
ajmri-6067	144	14	.	.	PUNCT
ajmri-6067	145	1	on	on	ADP
ajmri-6067	145	2	bank	bank	PROPN
ajmri-6067	145	3	,	,	PUNCT
ajmri-6067	145	4	the	the	DET
ajmri-6067	145	5	paper	paper	NOUN
ajmri-6067	145	6	establishes	establish	VERB
ajmri-6067	145	7	that	that	SCONJ
ajmri-6067	145	8	the	the	DET
ajmri-6067	145	9	future	future	ADJ
ajmri-6067	145	10	focus	focus	NOUN
ajmri-6067	145	11	will	will	AUX
ajmri-6067	145	12	be	be	AUX
ajmri-6067	145	13	on	on	ADP
ajmri-6067	145	14	undifferentiated	undifferentiated	ADJ
ajmri-6067	145	15	value	value	NOUN
ajmri-6067	145	16	proposition	proposition	NOUN
ajmri-6067	145	17	;	;	PUNCT
ajmri-6067	145	18	reactive	reactive	ADJ
ajmri-6067	145	19	approach	approach	NOUN
ajmri-6067	145	20	to	to	ADP
ajmri-6067	145	21	client	client	PROPN
ajmri-6067	145	22	’s	’s	PART
ajmri-6067	145	23	every	every	DET
ajmri-6067	145	24	day	day	NOUN
ajmri-6067	145	25	banking	banking	NOUN
ajmri-6067	145	26	needs	need	VERB
ajmri-6067	145	27	legacy	legacy	NOUN
ajmri-6067	145	28	system	system	NOUN
ajmri-6067	145	29	,	,	PUNCT
ajmri-6067	145	30	and	and	CCONJ
ajmri-6067	145	31	product	product	NOUN
ajmri-6067	145	32	-	-	PUNCT
ajmri-6067	145	33	focus	focus	NOUN
ajmri-6067	145	34	as	as	ADP
ajmri-6067	145	35	approach	approach	NOUN
ajmri-6067	145	36	to	to	PART
ajmri-6067	145	37	meet	meet	VERB
ajmri-6067	145	38	the	the	DET
ajmri-6067	145	39	future	future	ADJ
ajmri-6067	145	40	needs	need	NOUN
ajmri-6067	145	41	of	of	ADP
ajmri-6067	145	42	clients	client	NOUN
ajmri-6067	145	43	.	.	PUNCT
ajmri-6067	146	1	innovation	innovation	NOUN
ajmri-6067	146	2	effects	effect	NOUN
ajmri-6067	146	3	on	on	ADP
ajmri-6067	146	4	the	the	DET
ajmri-6067	146	5	banking	banking	NOUN
ajmri-6067	146	6	sector	sector	NOUN
ajmri-6067	146	7	in	in	ADP
ajmri-6067	146	8	africa	africa	PROPN
ajmri-6067	146	9	nguena	nguena	PROPN
ajmri-6067	146	10	(	(	PUNCT
ajmri-6067	146	11	2019	2019	NUM
ajmri-6067	146	12	)	)	PUNCT
ajmri-6067	146	13	writes	write	VERB
ajmri-6067	146	14	on	on	ADP
ajmri-6067	146	15	financial	financial	ADJ
ajmri-6067	146	16	innovation	innovation	NOUN
ajmri-6067	146	17	in	in	ADP
ajmri-6067	146	18	developing	develop	VERB
ajmri-6067	146	19	countries	country	NOUN
ajmri-6067	146	20	:	:	PUNCT
ajmri-6067	146	21	the	the	DET
ajmri-6067	146	22	determinants	determinant	NOUN
ajmri-6067	146	23	of	of	ADP
ajmri-6067	146	24	mobile	mobile	ADJ
ajmri-6067	146	25	banking	banking	NOUN
ajmri-6067	146	26	and	and	CCONJ
ajmri-6067	146	27	financial	financial	ADJ
ajmri-6067	146	28	development	development	NOUN
ajmri-6067	146	29	in	in	ADP
ajmri-6067	146	30	africa	africa	PROPN
ajmri-6067	146	31	.	.	PUNCT
ajmri-6067	147	1	the	the	DET
ajmri-6067	147	2	study	study	NOUN
ajmri-6067	147	3	addresses	address	VERB
ajmri-6067	147	4	the	the	DET
ajmri-6067	147	5	question	question	NOUN
ajmri-6067	147	6	of	of	ADP
ajmri-6067	147	7	financial	financial	ADJ
ajmri-6067	147	8	innovation	innovation	NOUN
ajmri-6067	147	9	in	in	ADP
ajmri-6067	147	10	development	development	NOUN
ajmri-6067	147	11	countries	country	NOUN
ajmri-6067	147	12	by	by	ADP
ajmri-6067	147	13	focusing	focus	VERB
ajmri-6067	147	14	on	on	ADP
ajmri-6067	147	15	the	the	DET
ajmri-6067	147	16	determinants	determinant	NOUN
ajmri-6067	147	17	of	of	ADP
ajmri-6067	147	18	mobile	mobile	ADJ
ajmri-6067	147	19	banking	banking	NOUN
ajmri-6067	147	20	development	development	NOUN
ajmri-6067	147	21	in	in	ADP
ajmri-6067	147	22	africa	africa	PROPN
ajmri-6067	147	23	.	.	PUNCT
ajmri-6067	148	1	data	datum	NOUN
ajmri-6067	148	2	collected	collect	VERB
ajmri-6067	148	3	by	by	ADP
ajmri-6067	148	4	the	the	DET
ajmri-6067	148	5	researcher	researcher	NOUN
ajmri-6067	148	6	,	,	PUNCT
ajmri-6067	148	7	on	on	ADP
ajmri-6067	148	8	mobile	mobile	ADJ
ajmri-6067	148	9	banking	banking	NOUN
ajmri-6067	148	10	across	across	ADP
ajmri-6067	148	11	countries	country	NOUN
ajmri-6067	148	12	was	be	AUX
ajmri-6067	148	13	partially	partially	ADV
ajmri-6067	148	14	constructed	construct	VERB
ajmri-6067	148	15	by	by	ADP
ajmri-6067	148	16	the	the	DET
ajmri-6067	148	17	author	author	NOUN
ajmri-6067	148	18	,	,	PUNCT
ajmri-6067	148	19	to	to	PART
ajmri-6067	148	20	which	which	PRON
ajmri-6067	148	21	is	be	AUX
ajmri-6067	148	22	applied	apply	VERB
ajmri-6067	148	23	panel	panel	NOUN
ajmri-6067	148	24	data	datum	NOUN
ajmri-6067	148	25	and	and	CCONJ
ajmri-6067	148	26	cross	cross	ADJ
ajmri-6067	148	27	-	-	ADJ
ajmri-6067	148	28	sectional	sectional	ADJ
ajmri-6067	148	29	econometric	econometric	ADJ
ajmri-6067	148	30	technics	technic	NOUN
ajmri-6067	148	31	,	,	PUNCT
ajmri-6067	148	32	that	that	PRON
ajmri-6067	148	33	helped	help	VERB
ajmri-6067	148	34	to	to	PART
ajmri-6067	148	35	investigate	investigate	VERB
ajmri-6067	148	36	the	the	DET
ajmri-6067	148	37	determinants	determinant	NOUN
ajmri-6067	148	38	of	of	ADP
ajmri-6067	148	39	mobile	mobile	ADJ
ajmri-6067	148	40	banking	banking	NOUN
ajmri-6067	148	41	development	development	NOUN
ajmri-6067	148	42	.	.	PUNCT
ajmri-6067	149	1	statistically	statistically	ADV
ajmri-6067	149	2	,	,	PUNCT
ajmri-6067	149	3	the	the	DET
ajmri-6067	149	4	data	datum	NOUN
ajmri-6067	149	5	was	be	AUX
ajmri-6067	149	6	analyzed	analyze	VERB
ajmri-6067	149	7	and	and	CCONJ
ajmri-6067	149	8	revealed	reveal	VERB
ajmri-6067	149	9	that	that	SCONJ
ajmri-6067	149	10	there	there	PRON
ajmri-6067	149	11	is	be	VERB
ajmri-6067	149	12	a	a	DET
ajmri-6067	149	13	positive	positive	ADJ
ajmri-6067	149	14	link	link	NOUN
ajmri-6067	149	15	between	between	ADP
ajmri-6067	149	16	the	the	DET
ajmri-6067	149	17	different	different	ADJ
ajmri-6067	149	18	proxies	proxy	NOUN
ajmri-6067	149	19	of	of	ADP
ajmri-6067	149	20	mobile	mobile	ADJ
ajmri-6067	149	21	banking	banking	NOUN
ajmri-6067	149	22	and	and	CCONJ
ajmri-6067	149	23	an	an	DET
ajmri-6067	149	24	indicator	indicator	NOUN
ajmri-6067	149	25	of	of	ADP
ajmri-6067	149	26	mobile	mobile	ADJ
ajmri-6067	149	27	banking	banking	NOUN
ajmri-6067	149	28	development	development	NOUN
ajmri-6067	149	29	using	use	VERB
ajmri-6067	149	30	the	the	DET
ajmri-6067	149	31	principal	principal	ADJ
ajmri-6067	149	32	component	component	NOUN
ajmri-6067	149	33	analysis	analysis	NOUN
ajmri-6067	149	34	technique	technique	NOUN
ajmri-6067	149	35	constructed	construct	VERB
ajmri-6067	149	36	.	.	PUNCT
ajmri-6067	150	1	highlighting	highlight	VERB
ajmri-6067	150	2	determinants	determinant	NOUN
ajmri-6067	150	3	of	of	ADP
ajmri-6067	150	4	the	the	DET
ajmri-6067	150	5	student	student	NOUN
ajmri-6067	150	6	,	,	PUNCT
ajmri-6067	150	7	it	it	PRON
ajmri-6067	150	8	mentioned	mention	VERB
ajmri-6067	150	9	human	human	ADJ
ajmri-6067	150	10	capital	capital	NOUN
ajmri-6067	150	11	development	development	NOUN
ajmri-6067	150	12	,	,	PUNCT
ajmri-6067	150	13	credible	credible	ADJ
ajmri-6067	150	14	monetary	monetary	ADJ
ajmri-6067	150	15	policy	policy	NOUN
ajmri-6067	150	16	,	,	PUNCT
ajmri-6067	150	17	infrastructure	infrastructure	NOUN
ajmri-6067	150	18	development	development	NOUN
ajmri-6067	150	19	,	,	PUNCT
ajmri-6067	150	20	remittances	remittance	VERB
ajmri-6067	150	21	facilitation	facilitation	NOUN
ajmri-6067	150	22	,	,	PUNCT
ajmri-6067	150	23	urbanization	urbanization	NOUN
ajmri-6067	150	24	and	and	CCONJ
ajmri-6067	150	25	trade	trade	NOUN
ajmri-6067	150	26	openness	openness	NOUN
ajmri-6067	150	27	and	and	CCONJ
ajmri-6067	150	28	the	the	DET
ajmri-6067	150	29	facilitation	facilitation	NOUN
ajmri-6067	150	30	of	of	ADP
ajmri-6067	150	31	access	access	NOUN
ajmri-6067	150	32	to	to	ADP
ajmri-6067	150	33	domestic	domestic	ADJ
ajmri-6067	150	34	credit	credit	NOUN
ajmri-6067	150	35	from	from	ADP
ajmri-6067	150	36	the	the	DET
ajmri-6067	150	37	banking	banking	NOUN
ajmri-6067	150	38	sector	sector	NOUN
ajmri-6067	150	39	as	as	ADP
ajmri-6067	150	40	the	the	DET
ajmri-6067	150	41	four	four	NUM
ajmri-6067	150	42	(	(	PUNCT
ajmri-6067	150	43	4	4	NUM
ajmri-6067	150	44	)	)	PUNCT
ajmri-6067	150	45	key	key	ADJ
ajmri-6067	150	46	model	model	NOUN
ajmri-6067	150	47	used	use	VERB
ajmri-6067	150	48	and	and	CCONJ
ajmri-6067	150	49	made	make	VERB
ajmri-6067	150	50	a	a	DET
ajmri-6067	150	51	general	general	ADJ
ajmri-6067	150	52	recommendation	recommendation	NOUN
ajmri-6067	150	53	to	to	ADP
ajmri-6067	150	54	the	the	DET
ajmri-6067	150	55	african	african	ADJ
ajmri-6067	150	56	governments	government	NOUN
ajmri-6067	150	57	to	to	PART
ajmri-6067	150	58	pursue	pursue	VERB
ajmri-6067	150	59	good	good	ADJ
ajmri-6067	150	60	performance	performance	NOUN
ajmri-6067	150	61	in	in	ADP
ajmri-6067	150	62	the	the	DET
ajmri-6067	150	63	light	light	NOUN
ajmri-6067	150	64	of	of	ADP
ajmri-6067	150	65	those	those	DET
ajmri-6067	150	66	determinants	determinant	NOUN
ajmri-6067	150	67	mentioned	mention	VERB
ajmri-6067	150	68	above	above	ADV
ajmri-6067	150	69	and	and	CCONJ
ajmri-6067	150	70	also	also	ADV
ajmri-6067	150	71	ensure	ensure	VERB
ajmri-6067	150	72	the	the	DET
ajmri-6067	150	73	implementation	implementation	NOUN
ajmri-6067	150	74	of	of	ADP
ajmri-6067	150	75	specific	specific	ADJ
ajmri-6067	150	76	and	and	CCONJ
ajmri-6067	150	77	wellconditioned	wellconditione	VERB
ajmri-6067	150	78	economic	economic	ADJ
ajmri-6067	150	79	policies	policy	NOUN
ajmri-6067	150	80	.	.	PUNCT
ajmri-6067	151	1	researchers	researcher	NOUN
ajmri-6067	151	2	like	like	ADP
ajmri-6067	151	3	nguena	nguena	NOUN
ajmri-6067	151	4	(	(	PUNCT
ajmri-6067	151	5	2015	2015	NUM
ajmri-6067	151	6	)	)	PUNCT
ajmri-6067	151	7	and	and	CCONJ
ajmri-6067	151	8	upadhyaya	upadhyaya	PROPN
ajmri-6067	151	9	,	,	PUNCT
ajmri-6067	151	10	(	(	PUNCT
ajmri-6067	151	11	2015	2015	NUM
ajmri-6067	151	12	)	)	PUNCT
ajmri-6067	151	13	argues	argue	VERB
ajmri-6067	151	14	that	that	SCONJ
ajmri-6067	151	15	mobile	mobile	ADJ
ajmri-6067	151	16	phone	phone	NOUN
ajmri-6067	151	17	revolution	revolution	NOUN
ajmri-6067	151	18	is	be	AUX
ajmri-6067	151	19	at	at	ADP
ajmri-6067	151	20	the	the	DET
ajmri-6067	151	21	origin	origin	NOUN
ajmri-6067	151	22	of	of	ADP
ajmri-6067	151	23	the	the	DET
ajmri-6067	151	24	changes	change	NOUN
ajmri-6067	151	25	in	in	ADP
ajmri-6067	151	26	the	the	DET
ajmri-6067	151	27	lives	life	NOUN
ajmri-6067	151	28	of	of	ADP
ajmri-6067	151	29	many	many	ADJ
ajmri-6067	151	30	african	african	ADJ
ajmri-6067	151	31	countries	country	NOUN
ajmri-6067	151	32	,	,	PUNCT
ajmri-6067	151	33	and	and	CCONJ
ajmri-6067	151	34	that	that	SCONJ
ajmri-6067	151	35	the	the	DET
ajmri-6067	151	36	technology	technology	NOUN
ajmri-6067	151	37	does	do	AUX
ajmri-6067	151	38	not	not	PART
ajmri-6067	151	39	only	only	ADV
ajmri-6067	151	40	provide	provide	VERB
ajmri-6067	151	41	telecommunications	telecommunication	NOUN
ajmri-6067	151	42	,	,	PUNCT
ajmri-6067	151	43	but	but	CCONJ
ajmri-6067	151	44	also	also	ADV
ajmri-6067	151	45	provide	provide	VERB
ajmri-6067	151	46	basic	basic	ADJ
ajmri-6067	151	47	financial	financial	ADJ
ajmri-6067	151	48	services	service	NOUN
ajmri-6067	151	49	in	in	ADP
ajmri-6067	151	50	the	the	DET
ajmri-6067	151	51	form	form	NOUN
ajmri-6067	151	52	of	of	ADP
ajmri-6067	151	53	phone	phone	NOUN
ajmri-6067	151	54	-	-	PUNCT
ajmri-6067	151	55	based	base	VERB
ajmri-6067	151	56	money	money	NOUN
ajmri-6067	151	57	transfer	transfer	NOUN
ajmri-6067	151	58	and	and	CCONJ
ajmri-6067	151	59	mobile	mobile	NOUN
ajmri-6067	151	60	account	account	NOUN
ajmri-6067	151	61	and	and	CCONJ
ajmri-6067	151	62	saving	save	VERB
ajmri-6067	151	63	system	system	NOUN
ajmri-6067	151	64	.	.	PUNCT
ajmri-6067	152	1	the	the	DET
ajmri-6067	152	2	study	study	NOUN
ajmri-6067	152	3	indicates	indicate	VERB
ajmri-6067	152	4	strongly	strongly	ADV
ajmri-6067	152	5	that	that	SCONJ
ajmri-6067	152	6	the	the	DET
ajmri-6067	152	7	substantial	substantial	ADJ
ajmri-6067	152	8	penetration	penetration	NOUN
ajmri-6067	152	9	rates	rate	NOUN
ajmri-6067	152	10	of	of	ADP
ajmri-6067	152	11	mobile	mobile	ADJ
ajmri-6067	152	12	telephony	telephony	NOUN
ajmri-6067	152	13	and	and	CCONJ
ajmri-6067	152	14	it	it	PRON
ajmri-6067	152	15	ability	ability	NOUN
ajmri-6067	152	16	to	to	PART
ajmri-6067	152	17	transform	transform	VERB
ajmri-6067	152	18	cell	cell	NOUN
ajmri-6067	152	19	phones	phone	NOUN
ajmri-6067	152	20	into	into	ADP
ajmri-6067	152	21	pocket	pocket	NOUN
ajmri-6067	152	22	banks	bank	NOUN
ajmri-6067	152	23	in	in	ADP
ajmri-6067	152	24	africa	africa	PROPN
ajmri-6067	152	25	are	be	AUX
ajmri-6067	152	26	enormous	enormous	ADJ
ajmri-6067	152	27	opportunities	opportunity	NOUN
ajmri-6067	152	28	for	for	ADP
ajmri-6067	152	29	countries	country	NOUN
ajmri-6067	152	30	on	on	ADP
ajmri-6067	152	31	the	the	DET
ajmri-6067	152	32	continent	continent	NOUN
ajmri-6067	152	33	to	to	PART
ajmri-6067	152	34	increase	increase	VERB
ajmri-6067	152	35	affordable	affordable	ADJ
ajmri-6067	152	36	and	and	CCONJ
ajmri-6067	152	37	cost	cost	NOUN
ajmri-6067	152	38	-	-	PUNCT
ajmri-6067	152	39	effective	effective	ADJ
ajmri-6067	152	40	means	mean	NOUN
ajmri-6067	152	41	of	of	ADP
ajmri-6067	152	42	bringing	bring	VERB
ajmri-6067	152	43	on	on	ADP
ajmri-6067	152	44	board	board	NOUN
ajmri-6067	152	45	a	a	DET
ajmri-6067	152	46	large	large	ADJ
ajmri-6067	152	47	part	part	NOUN
ajmri-6067	152	48	of	of	ADP
ajmri-6067	152	49	the	the	DET
ajmri-6067	152	50	population	population	NOUN
ajmri-6067	152	51	that	that	PRON
ajmri-6067	152	52	hitherto	hitherto	PROPN
ajmri-6067	152	53	has	have	AUX
ajmri-6067	152	54	been	be	AUX
ajmri-6067	152	55	excluded	exclude	VERB
ajmri-6067	152	56	from	from	ADP
ajmri-6067	152	57	formal	formal	ADJ
ajmri-6067	152	58	financial	financial	ADJ
ajmri-6067	152	59	services	service	NOUN
ajmri-6067	152	60	for	for	ADP
ajmri-6067	152	61	decades	decade	NOUN
ajmri-6067	152	62	(	(	PUNCT
ajmri-6067	152	63	tchouto	tchouto	NOUN
ajmri-6067	152	64	,	,	PUNCT
ajmri-6067	152	65	nguena	nguena	PROPN
ajmri-6067	152	66	,	,	PUNCT
ajmri-6067	152	67	(	(	PUNCT
ajmri-6067	152	68	2015	2015	NUM
ajmri-6067	152	69	)	)	PUNCT
ajmri-6067	152	70	.	.	PUNCT
ajmri-6067	153	1	agreeing	agree	VERB
ajmri-6067	153	2	with	with	ADP
ajmri-6067	153	3	nguena	nguena	PROPN
ajmri-6067	153	4	,	,	PUNCT
ajmri-6067	153	5	(	(	PUNCT
ajmri-6067	153	6	2019	2019	NUM
ajmri-6067	153	7	)	)	PUNCT
ajmri-6067	153	8	who	who	PRON
ajmri-6067	153	9	argues	argue	VERB
ajmri-6067	153	10	that	that	SCONJ
ajmri-6067	153	11	in	in	ADP
ajmri-6067	153	12	sub	sub	ADJ
ajmri-6067	153	13	-	-	ADJ
ajmri-6067	153	14	saharan	saharan	ADJ
ajmri-6067	153	15	africa	africa	PROPN
ajmri-6067	153	16	,	,	PUNCT
ajmri-6067	153	17	75	75	NUM
ajmri-6067	153	18	%	%	NOUN
ajmri-6067	153	19	of	of	ADP
ajmri-6067	153	20	the	the	DET
ajmri-6067	153	21	populates	populate	NOUN
ajmri-6067	153	22	do	do	AUX
ajmri-6067	153	23	not	not	PART
ajmri-6067	153	24	have	have	VERB
ajmri-6067	153	25	any	any	DET
ajmri-6067	153	26	formal	formal	ADJ
ajmri-6067	153	27	financial	financial	ADJ
ajmri-6067	153	28	services	service	NOUN
ajmri-6067	153	29	.	.	PUNCT
ajmri-6067	154	1	the	the	DET
ajmri-6067	154	2	transformation	transformation	NOUN
ajmri-6067	154	3	has	have	AUX
ajmri-6067	154	4	been	be	AUX
ajmri-6067	154	5	appealing	appeal	VERB
ajmri-6067	154	6	,	,	PUNCT
ajmri-6067	154	7	not	not	PART
ajmri-6067	154	8	only	only	ADV
ajmri-6067	154	9	to	to	ADP
ajmri-6067	154	10	banks	bank	NOUN
ajmri-6067	154	11	and	and	CCONJ
ajmri-6067	154	12	micro	micro	ADJ
ajmri-6067	154	13	financial	financial	ADJ
ajmri-6067	154	14	institutions	institution	NOUN
ajmri-6067	154	15	(	(	PUNCT
ajmri-6067	154	16	mfis	mfis	PROPN
ajmri-6067	154	17	)	)	PUNCT
ajmri-6067	154	18	,	,	PUNCT
ajmri-6067	154	19	but	but	CCONJ
ajmri-6067	154	20	also	also	ADV
ajmri-6067	154	21	to	to	ADP
ajmri-6067	154	22	financial	financial	ADJ
ajmri-6067	154	23	regulators	regulator	NOUN
ajmri-6067	154	24	and	and	CCONJ
ajmri-6067	154	25	governments	government	NOUN
ajmri-6067	154	26	,	,	PUNCT
ajmri-6067	154	27	as	as	ADV
ajmri-6067	154	28	well	well	ADV
ajmri-6067	154	29	as	as	ADP
ajmri-6067	154	30	development	development	NOUN
ajmri-6067	154	31	partners	partner	NOUN
ajmri-6067	154	32	who	who	PRON
ajmri-6067	154	33	are	be	AUX
ajmri-6067	154	34	providing	provide	VERB
ajmri-6067	154	35	support	support	NOUN
ajmri-6067	154	36	to	to	PART
ajmri-6067	154	37	ameliorate	ameliorate	VERB
ajmri-6067	154	38	the	the	DET
ajmri-6067	154	39	lives	life	NOUN
ajmri-6067	154	40	of	of	ADP
ajmri-6067	154	41	africans	africans	PROPN
ajmri-6067	154	42	via	via	ADP
ajmri-6067	154	43	sustained	sustained	ADJ
ajmri-6067	154	44	growth	growth	NOUN
ajmri-6067	154	45	and	and	CCONJ
ajmri-6067	154	46	poverty	poverty	NOUN
ajmri-6067	154	47	reduction	reduction	NOUN
ajmri-6067	154	48	policies	policy	NOUN
ajmri-6067	154	49	.	.	PUNCT
ajmri-6067	155	1	the	the	DET
ajmri-6067	155	2	giant	giant	ADJ
ajmri-6067	155	3	amount	amount	NOUN
ajmri-6067	155	4	this	this	DET
ajmri-6067	155	5	innovative	innovative	ADJ
ajmri-6067	155	6	service	service	NOUN
ajmri-6067	155	7	includes	include	VERB
ajmri-6067	155	8	mtc	mtc	PROPN
ajmri-6067	155	9	africa	africa	PROPN
ajmri-6067	155	10	which	which	PRON
ajmri-6067	155	11	is	be	AUX
ajmri-6067	155	12	making	make	VERB
ajmri-6067	155	13	a	a	DET
ajmri-6067	155	14	lot	lot	NOUN
ajmri-6067	155	15	of	of	ADP
ajmri-6067	155	16	subscribers	subscriber	NOUN
ajmri-6067	155	17	in	in	ADP
ajmri-6067	155	18	mobile	mobile	ADJ
ajmri-6067	155	19	banking	banking	NOUN
ajmri-6067	155	20	system	system	NOUN
ajmri-6067	155	21	in	in	ADP
ajmri-6067	155	22	many	many	ADJ
ajmri-6067	155	23	parts	part	NOUN
ajmri-6067	155	24	of	of	ADP
ajmri-6067	155	25	africa	africa	PROPN
ajmri-6067	155	26	.	.	PUNCT
ajmri-6067	156	1	the	the	DET
ajmri-6067	156	2	economist	economist	NOUN
ajmri-6067	156	3	(	(	PUNCT
ajmri-6067	156	4	2008	2008	NUM
ajmri-6067	156	5	)	)	PUNCT
ajmri-6067	156	6	describes	describe	VERB
ajmri-6067	156	7	the	the	DET
ajmri-6067	156	8	phenomenon	phenomenon	NOUN
ajmri-6067	156	9	using	use	VERB
ajmri-6067	156	10	the	the	DET
ajmri-6067	156	11	following	following	ADJ
ajmri-6067	156	12	words	word	NOUN
ajmri-6067	156	13	:	:	PUNCT
ajmri-6067	156	14	“	"	PUNCT
ajmri-6067	156	15	a	a	DET
ajmri-6067	156	16	device	device	NOUN
ajmri-6067	156	17	that	that	PRON
ajmri-6067	156	18	was	be	AUX
ajmri-6067	156	19	a	a	DET
ajmri-6067	156	20	yuppie	yuppie	NOUN
ajmri-6067	156	21	toy	toy	NOUN
ajmri-6067	156	22	not	not	PART
ajmri-6067	156	23	so	so	ADV
ajmri-6067	156	24	long	long	ADV
ajmri-6067	156	25	ago	ago	ADV
ajmri-6067	156	26	has	have	AUX
ajmri-6067	156	27	now	now	ADV
ajmri-6067	156	28	become	become	VERB
ajmri-6067	156	29	a	a	DET
ajmri-6067	156	30	potent	potent	NOUN
ajmri-6067	156	31	for	for	ADP
ajmri-6067	156	32	economic	economic	ADJ
ajmri-6067	156	33	development	development	NOUN
ajmri-6067	156	34	in	in	ADP
ajmri-6067	156	35	the	the	DET
ajmri-6067	156	36	world	world	NOUN
ajmri-6067	156	37	’s	’s	PART
ajmri-6067	156	38	poorest	poor	ADJ
ajmri-6067	156	39	countries	country	NOUN
ajmri-6067	156	40	”	"	PUNCT
ajmri-6067	156	41	.	.	PUNCT
ajmri-6067	157	1	innovation	innovation	NOUN
ajmri-6067	157	2	effects	effect	NOUN
ajmri-6067	157	3	on	on	ADP
ajmri-6067	157	4	the	the	DET
ajmri-6067	157	5	banking	banking	NOUN
ajmri-6067	157	6	sector	sector	NOUN
ajmri-6067	157	7	in	in	ADP
ajmri-6067	157	8	ghana	ghana	PROPN
ajmri-6067	157	9	domeher	domeher	VERB
ajmri-6067	157	10	et	et	PROPN
ajmri-6067	157	11	al	al	PROPN
ajmri-6067	157	12	.	.	PROPN
ajmri-6067	158	1	(	(	PUNCT
ajmri-6067	158	2	2014	2014	NUM
ajmri-6067	158	3	)	)	PUNCT
ajmri-6067	158	4	,	,	PUNCT
ajmri-6067	158	5	writes	write	VERB
ajmri-6067	158	6	on	on	ADP
ajmri-6067	158	7	adoption	adoption	NOUN
ajmri-6067	158	8	of	of	ADP
ajmri-6067	158	9	financial	financial	ADJ
ajmri-6067	158	10	innovation	innovation	NOUN
ajmri-6067	158	11	in	in	ADP
ajmri-6067	158	12	the	the	DET
ajmri-6067	158	13	ghanaian	ghanaian	ADJ
ajmri-6067	158	14	banking	banking	NOUN
ajmri-6067	158	15	industry	industry	NOUN
ajmri-6067	158	16	.	.	PUNCT
ajmri-6067	159	1	agreeing	agree	VERB
ajmri-6067	159	2	with	with	ADP
ajmri-6067	159	3	the	the	DET
ajmri-6067	159	4	view	view	NOUN
ajmri-6067	159	5	of	of	ADP
ajmri-6067	159	6	abor	abor	NOUN
ajmri-6067	159	7	(	(	PUNCT
ajmri-6067	159	8	2004	2004	NUM
ajmri-6067	159	9	)	)	PUNCT
ajmri-6067	159	10	who	who	PRON
ajmri-6067	159	11	indicates	indicate	VERB
ajmri-6067	159	12	that	that	SCONJ
ajmri-6067	159	13	information	information	NOUN
ajmri-6067	159	14	and	and	CCONJ
ajmri-6067	159	15	communication	communication	NOUN
ajmri-6067	159	16	technology	technology	NOUN
ajmri-6067	159	17	(	(	PUNCT
ajmri-6067	159	18	icts	ict	NOUN
ajmri-6067	159	19	)	)	PUNCT
ajmri-6067	159	20	are	be	AUX
ajmri-6067	159	21	changing	change	VERB
ajmri-6067	159	22	the	the	DET
ajmri-6067	159	23	way	way	NOUN
ajmri-6067	159	24	financial	financial	ADJ
ajmri-6067	159	25	products	product	NOUN
ajmri-6067	159	26	are	be	AUX
ajmri-6067	159	27	assessed	assess	VERB
ajmri-6067	159	28	by	by	ADP
ajmri-6067	159	29	customers	customer	NOUN
ajmri-6067	159	30	in	in	ADP
ajmri-6067	159	31	sub	sub	ADJ
ajmri-6067	159	32	-	-	ADJ
ajmri-6067	159	33	saharan	saharan	ADJ
ajmri-6067	159	34	africa	africa	PROPN
ajmri-6067	159	35	.	.	PUNCT
ajmri-6067	160	1	according	accord	VERB
ajmri-6067	160	2	to	to	ADP
ajmri-6067	160	3	domeher	domeher	PROPN
ajmri-6067	160	4	,	,	PUNCT
ajmri-6067	160	5	in	in	ADP
ajmri-6067	160	6	ghana	ghana	PROPN
ajmri-6067	160	7	,	,	PUNCT
ajmri-6067	160	8	technological	technological	ADJ
ajmri-6067	160	9	developments	development	NOUN
ajmri-6067	160	10	have	have	AUX
ajmri-6067	160	11	created	create	VERB
ajmri-6067	160	12	new	new	ADJ
ajmri-6067	160	13	delivery	delivery	NOUN
ajmri-6067	160	14	channels	channel	NOUN
ajmri-6067	160	15	for	for	ADP
ajmri-6067	160	16	banking	banking	NOUN
ajmri-6067	160	17	products	product	NOUN
ajmri-6067	160	18	and	and	CCONJ
ajmri-6067	160	19	services	service	NOUN
ajmri-6067	160	20	,	,	PUNCT
ajmri-6067	160	21	which	which	PRON
ajmri-6067	160	22	includes	include	VERB
ajmri-6067	160	23	automated	automated	ADJ
ajmri-6067	160	24	teller	teller	NOUN
ajmri-6067	160	25	machines	machine	NOUN
ajmri-6067	160	26	(	(	PUNCT
ajmri-6067	160	27	atms	atms	PROPN
ajmri-6067	160	28	)	)	PUNCT
ajmri-6067	160	29	,	,	PUNCT
ajmri-6067	160	30	internet	internet	NOUN
ajmri-6067	160	31	banking	banking	NOUN
ajmri-6067	160	32	and	and	CCONJ
ajmri-6067	160	33	pc	pc	NOUN
ajmri-6067	160	34	and	and	CCONJ
ajmri-6067	160	35	mobile	mobile	NOUN
ajmri-6067	160	36	banking	banking	NOUN
ajmri-6067	160	37	and	and	CCONJ
ajmri-6067	160	38	that	that	SCONJ
ajmri-6067	160	39	such	such	ADJ
ajmri-6067	160	40	innovations	innovation	NOUN
ajmri-6067	160	41	have	have	AUX
ajmri-6067	160	42	influenced	influence	VERB
ajmri-6067	160	43	growth	growth	NOUN
ajmri-6067	160	44	which	which	PRON
ajmri-6067	160	45	is	be	AUX
ajmri-6067	160	46	important	important	ADJ
ajmri-6067	160	47	in	in	ADP
ajmri-6067	160	48	banking	banking	NOUN
ajmri-6067	160	49	business	business	NOUN
ajmri-6067	160	50	.	.	PUNCT
ajmri-6067	161	1	on	on	ADP
ajmri-6067	161	2	traditional	traditional	ADJ
ajmri-6067	161	3	banking	banking	NOUN
ajmri-6067	161	4	operations	operation	NOUN
ajmri-6067	161	5	,	,	PUNCT
ajmri-6067	161	6	the	the	DET
ajmri-6067	161	7	study	study	NOUN
ajmri-6067	161	8	suggests	suggest	VERB
ajmri-6067	161	9	that	that	SCONJ
ajmri-6067	161	10	technologies	technology	NOUN
ajmri-6067	161	11	enable	enable	VERB
ajmri-6067	161	12	them	they	PRON
ajmri-6067	161	13	to	to	PART
ajmri-6067	161	14	serve	serve	VERB
ajmri-6067	161	15	their	their	PRON
ajmri-6067	161	16	clients	client	NOUN
ajmri-6067	161	17	more	more	ADV
ajmri-6067	161	18	cost	cost	NOUN
ajmri-6067	161	19	-	-	PUNCT
ajmri-6067	161	20	effectively	effectively	ADV
ajmri-6067	161	21	;	;	PUNCT
ajmri-6067	161	22	making	make	VERB
ajmri-6067	161	23	them	they	PRON
ajmri-6067	161	24	more	more	ADV
ajmri-6067	161	25	useful	useful	ADJ
ajmri-6067	161	26	to	to	ADP
ajmri-6067	161	27	their	their	PRON
ajmri-6067	161	28	clientele	clientele	NOUN
ajmri-6067	161	29	.	.	PUNCT
ajmri-6067	162	1	“	"	PUNCT
ajmri-6067	162	2	their	their	PRON
ajmri-6067	162	3	main	main	ADJ
ajmri-6067	162	4	concern	concern	NOUN
ajmri-6067	162	5	has	have	AUX
ajmri-6067	162	6	been	be	AUX
ajmri-6067	162	7	to	to	PART
ajmri-6067	162	8	serve	serve	VERB
ajmri-6067	162	9	clients	client	NOUN
ajmri-6067	162	10	more	more	ADV
ajmri-6067	162	11	conveniently	conveniently	ADV
ajmri-6067	162	12	,	,	PUNCT
ajmri-6067	162	13	while	while	SCONJ
ajmri-6067	162	14	growing	grow	VERB
ajmri-6067	162	15	their	their	PRON
ajmri-6067	162	16	profits	profit	NOUN
ajmri-6067	162	17	and	and	CCONJ
ajmri-6067	162	18	improving	improve	VERB
ajmri-6067	162	19	their	their	PRON
ajmri-6067	162	20	competitiveness	competitiveness	NOUN
ajmri-6067	162	21	”	"	PUNCT
ajmri-6067	162	22	reiterated	reiterate	VERB
ajmri-6067	162	23	by	by	ADP
ajmri-6067	162	24	the	the	DET
ajmri-6067	162	25	study	study	NOUN
ajmri-6067	162	26	.	.	PUNCT
ajmri-6067	163	1	one	one	NUM
ajmri-6067	163	2	of	of	ADP
ajmri-6067	163	3	the	the	DET
ajmri-6067	163	4	unarguable	unarguable	ADJ
ajmri-6067	163	5	,	,	PUNCT
ajmri-6067	163	6	the	the	DET
ajmri-6067	163	7	most	most	ADV
ajmri-6067	163	8	revolutionary	revolutionary	ADJ
ajmri-6067	163	9	electronic	electronic	ADJ
ajmri-6067	163	10	innovations	innovation	NOUN
ajmri-6067	163	11	seen	see	VERB
ajmri-6067	163	12	by	by	ADP
ajmri-6067	163	13	the	the	DET
ajmri-6067	163	14	contemporary	contemporary	PROPN
ajmri-6067	163	15	financial	financial	ADJ
ajmri-6067	163	16	management	management	NOUN
ajmri-6067	163	17	is	be	AUX
ajmri-6067	163	18	the	the	DET
ajmri-6067	163	19	atm	atm	NOUN
ajmri-6067	163	20	,	,	PUNCT
ajmri-6067	163	21	a	a	DET
ajmri-6067	163	22	utility	utility	NOUN
ajmri-6067	163	23	that	that	PRON
ajmri-6067	163	24	provides	provide	VERB
ajmri-6067	163	25	remote	remote	ADJ
ajmri-6067	163	26	services	service	NOUN
ajmri-6067	163	27	to	to	ADP
ajmri-6067	163	28	clients	client	NOUN
ajmri-6067	163	29	,	,	PUNCT
ajmri-6067	163	30	according	accord	VERB
ajmri-6067	163	31	to	to	ADP
ajmri-6067	163	32	the	the	DET
ajmri-6067	163	33	study	study	NOUN
ajmri-6067	163	34	by	by	ADP
ajmri-6067	163	35	abor	abor	PROPN
ajmri-6067	163	36	,	,	PUNCT
ajmri-6067	163	37	(	(	PUNCT
ajmri-6067	163	38	2004	2004	NUM
ajmri-6067	163	39	)	)	PUNCT
ajmri-6067	163	40	.	.	PUNCT
ajmri-6067	164	1	atm	atm	PROPN
ajmri-6067	164	2	services	service	NOUN
ajmri-6067	164	3	in	in	ADP
ajmri-6067	164	4	banking	banking	NOUN
ajmri-6067	164	5	actually	actually	ADV
ajmri-6067	164	6	helps	help	VERB
ajmri-6067	164	7	increase	increase	VERB
ajmri-6067	164	8	banks	bank	NOUN
ajmri-6067	164	9	utility	utility	NOUN
ajmri-6067	164	10	to	to	ADP
ajmri-6067	164	11	customers	customer	NOUN
ajmri-6067	164	12	.	.	PUNCT
ajmri-6067	165	1	from	from	ADP
ajmri-6067	165	2	domeher	domeher	PROPN
ajmri-6067	165	3	et	et	PROPN
ajmri-6067	165	4	al	al	PROPN
ajmri-6067	165	5	.	.	PROPN
ajmri-6067	166	1	(	(	PUNCT
ajmri-6067	166	2	2014	2014	NUM
ajmri-6067	166	3	)	)	PUNCT
ajmri-6067	166	4	point	point	NOUN
ajmri-6067	166	5	of	of	ADP
ajmri-6067	166	6	view	view	NOUN
ajmri-6067	166	7	,	,	PUNCT
ajmri-6067	166	8	the	the	DET
ajmri-6067	166	9	combined	combined	ADJ
ajmri-6067	166	10	services	service	NOUN
ajmri-6067	166	11	of	of	ADP
ajmri-6067	166	12	the	the	DET
ajmri-6067	166	13	automated	automate	VERB
ajmri-6067	166	14	and	and	CCONJ
ajmri-6067	166	15	the	the	DET
ajmri-6067	166	16	human	human	PROPN
ajmri-6067	166	17	teller	teller	NOUN
ajmri-6067	166	18	’s	’s	PART
ajmri-6067	166	19	operation	operation	NOUN
ajmri-6067	166	20	of	of	ADP
ajmri-6067	166	21	banks	bank	NOUN
ajmri-6067	166	22	in	in	ADP
ajmri-6067	166	23	ghana	ghana	PROPN
ajmri-6067	166	24	make	make	VERB
ajmri-6067	166	25	banks	bank	NOUN
ajmri-6067	166	26	more	more	ADV
ajmri-6067	166	27	productive	productive	ADJ
ajmri-6067	166	28	during	during	ADP
ajmri-6067	166	29	banking	banking	NOUN
ajmri-6067	166	30	hours	hour	NOUN
ajmri-6067	166	31	and	and	CCONJ
ajmri-6067	166	32	those	those	DET
ajmri-6067	166	33	customers	customer	NOUN
ajmri-6067	166	34	of	of	ADP
ajmri-6067	166	35	those	those	DET
ajmri-6067	166	36	banks	bank	NOUN
ajmri-6067	166	37	benefit	benefit	VERB
ajmri-6067	166	38	immensely	immensely	ADV
ajmri-6067	166	39	as	as	ADP
ajmri-6067	166	40	a	a	DET
ajmri-6067	166	41	result	result	NOUN
ajmri-6067	166	42	of	of	ADP
ajmri-6067	166	43	shorter	short	ADJ
ajmri-6067	166	44	queues	queue	NOUN
ajmri-6067	166	45	in	in	ADP
ajmri-6067	166	46	banking	banking	NOUN
ajmri-6067	166	47	halls	hall	NOUN
ajmri-6067	166	48	.	.	PUNCT
ajmri-6067	167	1	since	since	SCONJ
ajmri-6067	167	2	atm	atm	PROPN
ajmri-6067	167	3	services	service	NOUN
ajmri-6067	167	4	offer	offer	VERB
ajmri-6067	167	5	an	an	DET
ajmri-6067	167	6	alternative	alternative	NOUN
ajmri-6067	167	7	to	to	ADP
ajmri-6067	167	8	queuing	queue	VERB
ajmri-6067	167	9	in	in	ADP
ajmri-6067	167	10	banks	bank	NOUN
ajmri-6067	167	11	,	,	PUNCT
ajmri-6067	167	12	customers	customer	NOUN
ajmri-6067	167	13	are	be	AUX
ajmri-6067	167	14	able	able	ADJ
ajmri-6067	167	15	to	to	PART
ajmri-6067	167	16	invest	invest	VERB
ajmri-6067	167	17	such	such	ADJ
ajmri-6067	167	18	time	time	NOUN
ajmri-6067	167	19	saved	save	VERB
ajmri-6067	167	20	in	in	ADP
ajmri-6067	167	21	other	other	ADJ
ajmri-6067	167	22	productive	productive	ADJ
ajmri-6067	167	23	activities	activity	NOUN
ajmri-6067	167	24	.	.	PUNCT
ajmri-6067	168	1	another	another	DET
ajmri-6067	168	2	innovation	innovation	NOUN
ajmri-6067	168	3	introduction	introduction	NOUN
ajmri-6067	168	4	that	that	PRON
ajmri-6067	168	5	has	have	AUX
ajmri-6067	168	6	been	be	AUX
ajmri-6067	168	7	mentioned	mention	VERB
ajmri-6067	168	8	by	by	ADP
ajmri-6067	168	9	the	the	DET
ajmri-6067	168	10	researcher	researcher	NOUN
ajmri-6067	168	11	is	be	AUX
ajmri-6067	168	12	the	the	DET
ajmri-6067	168	13	introduction	introduction	NOUN
ajmri-6067	168	14	of	of	ADP
ajmri-6067	168	15	the	the	DET
ajmri-6067	168	16	“	"	PUNCT
ajmri-6067	168	17	e	e	NOUN
ajmri-6067	168	18	-	-	NOUN
ajmri-6067	168	19	banking	banking	NOUN
ajmri-6067	168	20	”	"	PUNCT
ajmri-6067	168	21	.	.	PUNCT
ajmri-6067	169	1	the	the	DET
ajmri-6067	169	2	e	e	NOUN
ajmri-6067	169	3	-	-	ADJ
ajmri-6067	169	4	banking	banking	ADJ
ajmri-6067	169	5	innovations	innovation	NOUN
ajmri-6067	169	6	has	have	AUX
ajmri-6067	169	7	also	also	ADV
ajmri-6067	169	8	shortened	shorten	VERB
ajmri-6067	169	9	queues	queue	NOUN
ajmri-6067	169	10	inside	inside	ADP
ajmri-6067	169	11	banks	bank	NOUN
ajmri-6067	169	12	halls	hall	NOUN
ajmri-6067	169	13	;	;	PUNCT
ajmri-6067	169	14	minimizing	minimize	VERB
ajmri-6067	169	15	the	the	DET
ajmri-6067	169	16	cases	case	NOUN
ajmri-6067	169	17	of	of	ADP
ajmri-6067	169	18	inconveniences	inconvenience	NOUN
ajmri-6067	169	19	and	and	CCONJ
ajmri-6067	169	20	reduced	reduce	VERB
ajmri-6067	169	21	inefficiencies	inefficiency	NOUN
ajmri-6067	169	22	in	in	ADP
ajmri-6067	169	23	banking	banking	NOUN
ajmri-6067	169	24	industry	industry	NOUN
ajmri-6067	169	25	frimpong	frimpong	NOUN
ajmri-6067	169	26	(	(	PUNCT
ajmri-6067	169	27	2010	2010	NUM
ajmri-6067	169	28	)	)	PUNCT
ajmri-6067	169	29	.	.	PUNCT
ajmri-6067	170	1	acquah	acquah	PROPN
ajmri-6067	170	2	(	(	PUNCT
ajmri-6067	170	3	2006	2006	NUM
ajmri-6067	170	4	)	)	PUNCT
ajmri-6067	170	5	,	,	PUNCT
ajmri-6067	170	6	observe	observe	VERB
ajmri-6067	170	7	that	that	SCONJ
ajmri-6067	170	8	innovation	innovation	NOUN
ajmri-6067	170	9	in	in	ADP
ajmri-6067	170	10	electronic	electronic	ADJ
ajmri-6067	170	11	banking	banking	NOUN
ajmri-6067	170	12	(	(	PUNCT
ajmri-6067	170	13	e	e	NOUN
ajmri-6067	170	14	-	-	NOUN
ajmri-6067	170	15	banking	banking	NOUN
ajmri-6067	170	16	)	)	PUNCT
ajmri-6067	170	17	in	in	ADP
ajmri-6067	170	18	ghana	ghana	PROPN
ajmri-6067	170	19	have	have	AUX
ajmri-6067	170	20	helped	help	VERB
ajmri-6067	170	21	to	to	PART
ajmri-6067	170	22	improve	improve	VERB
ajmri-6067	170	23	not	not	PART
ajmri-6067	170	24	only	only	ADV
ajmri-6067	170	25	efficiency	efficiency	NOUN
ajmri-6067	170	26	but	but	CCONJ
ajmri-6067	170	27	also	also	ADV
ajmri-6067	170	28	financial	financial	ADJ
ajmri-6067	170	29	intermediation	intermediation	NOUN
ajmri-6067	170	30	.	.	PUNCT
ajmri-6067	171	1	upon	upon	SCONJ
ajmri-6067	171	2	all	all	DET
ajmri-6067	171	3	the	the	DET
ajmri-6067	171	4	assertions	assertion	NOUN
ajmri-6067	171	5	above	above	ADP
ajmri-6067	171	6	it	it	PRON
ajmri-6067	171	7	is	be	AUX
ajmri-6067	171	8	clear	clear	ADJ
ajmri-6067	171	9	that	that	SCONJ
ajmri-6067	171	10	the	the	DET
ajmri-6067	171	11	factors	factor	NOUN
ajmri-6067	171	12	that	that	PRON
ajmri-6067	171	13	has	have	VERB
ajmri-6067	171	14	the	the	DET
ajmri-6067	171	15	capability	capability	NOUN
ajmri-6067	171	16	to	to	PART
ajmri-6067	171	17	influences	influence	VERB
ajmri-6067	171	18	the	the	DET
ajmri-6067	171	19	adaptation	adaptation	NOUN
ajmri-6067	171	20	of	of	ADP
ajmri-6067	171	21	innovative	innovative	ADJ
ajmri-6067	171	22	products	product	NOUN
ajmri-6067	171	23	and	and	CCONJ
ajmri-6067	171	24	services	service	NOUN
ajmri-6067	171	25	in	in	ADP
ajmri-6067	171	26	the	the	DET
ajmri-6067	171	27	financial	financial	ADJ
ajmri-6067	171	28	sectors	sector	NOUN
ajmri-6067	171	29	are	be	AUX
ajmri-6067	171	30	not	not	PART
ajmri-6067	171	31	empirically	empirically	ADV
ajmri-6067	171	32	examined	examine	VERB
ajmri-6067	171	33	how	how	SCONJ
ajmri-6067	171	34	innovative	innovative	ADJ
ajmri-6067	171	35	mind	mind	NOUN
ajmri-6067	171	36	-	-	PUNCT
ajmri-6067	171	37	set	set	NOUN
ajmri-6067	171	38	could	could	AUX
ajmri-6067	171	39	impact	impact	VERB
ajmri-6067	171	40	positively	positively	ADV
ajmri-6067	171	41	on	on	ADP
ajmri-6067	171	42	performance	performance	NOUN
ajmri-6067	171	43	of	of	ADP
ajmri-6067	171	44	contemporary	contemporary	ADJ
ajmri-6067	171	45	financial	financial	ADJ
ajmri-6067	171	46	management	management	NOUN
ajmri-6067	171	47	system	system	NOUN
ajmri-6067	171	48	in	in	ADP
ajmri-6067	171	49	ghana	ghana	PROPN
ajmri-6067	171	50	.	.	PUNCT
ajmri-6067	172	1	pa	pa	PROPN
ajmri-6067	172	2	ge	ge	PROPN
ajmri-6067	172	3	53	53	NUM
ajmri-6067	172	4	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	172	5	am	am	NOUN
ajmri-6067	172	6	.	.	PUNCT
ajmri-6067	173	1	j.	j.	PROPN
ajmri-6067	173	2	multidis	multidis	PROPN
ajmri-6067	173	3	.	.	PUNCT
ajmri-6067	174	1	res	re	NOUN
ajmri-6067	174	2	.	.	PUNCT
ajmri-6067	175	1	innov	innov	PROPN
ajmri-6067	175	2	.	.	PUNCT
ajmri-6067	176	1	4(6	4(6	NUM
ajmri-6067	176	2	)	)	PUNCT
ajmri-6067	176	3	48	48	NUM
ajmri-6067	176	4	-	-	SYM
ajmri-6067	176	5	57	57	NUM
ajmri-6067	176	6	,	,	PUNCT
ajmri-6067	176	7	2025	2025	NUM
ajmri-6067	176	8	resistance	resistance	NOUN
ajmri-6067	176	9	and	and	CCONJ
ajmri-6067	176	10	their	their	PRON
ajmri-6067	176	11	effects	effect	NOUN
ajmri-6067	176	12	on	on	ADP
ajmri-6067	176	13	innovative	innovative	ADJ
ajmri-6067	176	14	practices	practice	NOUN
ajmri-6067	176	15	smollan	smollan	NOUN
ajmri-6067	176	16	(	(	PUNCT
ajmri-6067	176	17	2011	2011	NUM
ajmri-6067	176	18	)	)	PUNCT
ajmri-6067	176	19	views	view	VERB
ajmri-6067	176	20	resistance	resistance	NOUN
ajmri-6067	176	21	as	as	ADP
ajmri-6067	176	22	a	a	DET
ajmri-6067	176	23	destructive	destructive	ADJ
ajmri-6067	176	24	force	force	NOUN
ajmri-6067	176	25	that	that	PRON
ajmri-6067	176	26	runs	run	VERB
ajmri-6067	176	27	against	against	ADP
ajmri-6067	176	28	the	the	DET
ajmri-6067	176	29	interest	interest	NOUN
ajmri-6067	176	30	of	of	ADP
ajmri-6067	176	31	organizations	organization	NOUN
ajmri-6067	176	32	.	.	PUNCT
ajmri-6067	177	1	fischer	fischer	PROPN
ajmri-6067	177	2	et	et	PROPN
ajmri-6067	177	3	al	al	PROPN
ajmri-6067	177	4	.	.	PROPN
ajmri-6067	178	1	(	(	PUNCT
ajmri-6067	178	2	2013	2013	NUM
ajmri-6067	178	3	)	)	PUNCT
ajmri-6067	178	4	writes	write	VERB
ajmri-6067	178	5	on	on	ADP
ajmri-6067	178	6	management	management	NOUN
ajmri-6067	178	7	resistance	resistance	NOUN
ajmri-6067	178	8	to	to	ADP
ajmri-6067	178	9	innovation	innovation	NOUN
ajmri-6067	178	10	.	.	PUNCT
ajmri-6067	179	1	the	the	DET
ajmri-6067	179	2	researchers	researcher	NOUN
ajmri-6067	179	3	researched	research	VERB
ajmri-6067	179	4	on	on	ADP
ajmri-6067	179	5	resistance	resistance	NOUN
ajmri-6067	179	6	to	to	ADP
ajmri-6067	179	7	innovation	innovation	NOUN
ajmri-6067	179	8	by	by	ADP
ajmri-6067	179	9	management	management	NOUN
ajmri-6067	179	10	and	and	CCONJ
ajmri-6067	179	11	establish	establish	VERB
ajmri-6067	179	12	that	that	SCONJ
ajmri-6067	179	13	such	such	ADJ
ajmri-6067	179	14	resistance	resistance	NOUN
ajmri-6067	179	15	occurs	occur	VERB
ajmri-6067	179	16	in	in	ADP
ajmri-6067	179	17	two	two	NUM
ajmri-6067	179	18	ways	way	NOUN
ajmri-6067	179	19	such	such	ADJ
ajmri-6067	179	20	as	as	ADP
ajmri-6067	179	21	1	1	NUM
ajmri-6067	179	22	)	)	PUNCT
ajmri-6067	179	23	.	.	PUNCT
ajmri-6067	180	1	resistance	resistance	NOUN
ajmri-6067	180	2	to	to	ADP
ajmri-6067	180	3	ideas	idea	NOUN
ajmri-6067	180	4	and	and	CCONJ
ajmri-6067	180	5	their	their	PRON
ajmri-6067	180	6	approval	approval	NOUN
ajmri-6067	180	7	and	and	CCONJ
ajmri-6067	180	8	2	2	NUM
ajmri-6067	180	9	)	)	PUNCT
ajmri-6067	180	10	resistance	resistance	NOUN
ajmri-6067	180	11	to	to	ADP
ajmri-6067	180	12	the	the	DET
ajmri-6067	180	13	implementation	implementation	NOUN
ajmri-6067	180	14	of	of	ADP
ajmri-6067	180	15	the	the	DET
ajmri-6067	180	16	approved	approve	VERB
ajmri-6067	180	17	ideas	idea	NOUN
ajmri-6067	180	18	.	.	PUNCT
ajmri-6067	181	1	the	the	DET
ajmri-6067	181	2	study	study	NOUN
ajmri-6067	181	3	suggests	suggest	VERB
ajmri-6067	181	4	that	that	SCONJ
ajmri-6067	181	5	most	most	ADV
ajmri-6067	181	6	often	often	ADV
ajmri-6067	181	7	,	,	PUNCT
ajmri-6067	181	8	resistance	resistance	NOUN
ajmri-6067	181	9	to	to	ADP
ajmri-6067	181	10	ideas	idea	NOUN
ajmri-6067	181	11	may	may	AUX
ajmri-6067	181	12	not	not	PART
ajmri-6067	181	13	be	be	AUX
ajmri-6067	181	14	detected	detect	VERB
ajmri-6067	181	15	by	by	ADP
ajmri-6067	181	16	the	the	DET
ajmri-6067	181	17	organization	organization	NOUN
ajmri-6067	181	18	because	because	SCONJ
ajmri-6067	181	19	the	the	DET
ajmri-6067	181	20	ideas	idea	NOUN
ajmri-6067	181	21	may	may	AUX
ajmri-6067	181	22	be	be	AUX
ajmri-6067	181	23	deterred	deter	VERB
ajmri-6067	181	24	before	before	SCONJ
ajmri-6067	181	25	they	they	PRON
ajmri-6067	181	26	have	have	VERB
ajmri-6067	181	27	a	a	DET
ajmri-6067	181	28	chance	chance	NOUN
ajmri-6067	181	29	to	to	PART
ajmri-6067	181	30	blossom	blossom	VERB
ajmri-6067	181	31	.	.	PUNCT
ajmri-6067	182	1	whiles	while	NOUN
ajmri-6067	182	2	resistance	resistance	NOUN
ajmri-6067	182	3	to	to	ADP
ajmri-6067	182	4	implementation	implementation	NOUN
ajmri-6067	182	5	or	or	CCONJ
ajmri-6067	182	6	ineptitude	ineptitude	NOUN
ajmri-6067	182	7	in	in	ADP
ajmri-6067	182	8	the	the	DET
ajmri-6067	182	9	management	management	NOUN
ajmri-6067	182	10	of	of	ADP
ajmri-6067	182	11	change	change	NOUN
ajmri-6067	182	12	will	will	AUX
ajmri-6067	182	13	eventually	eventually	ADV
ajmri-6067	182	14	become	become	VERB
ajmri-6067	182	15	evident	evident	ADJ
ajmri-6067	182	16	in	in	ADP
ajmri-6067	182	17	a	a	DET
ajmri-6067	182	18	low	low	ADJ
ajmri-6067	182	19	percentage	percentage	NOUN
ajmri-6067	182	20	of	of	ADP
ajmri-6067	182	21	successful	successful	ADJ
ajmri-6067	182	22	implementations	implementation	NOUN
ajmri-6067	182	23	.	.	PUNCT
ajmri-6067	183	1	the	the	DET
ajmri-6067	183	2	study	study	NOUN
ajmri-6067	183	3	further	far	ADV
ajmri-6067	183	4	suggests	suggest	VERB
ajmri-6067	183	5	that	that	SCONJ
ajmri-6067	183	6	the	the	DET
ajmri-6067	183	7	innovation	innovation	NOUN
ajmri-6067	183	8	process	process	NOUN
ajmri-6067	183	9	is	be	AUX
ajmri-6067	183	10	inherently	inherently	ADV
ajmri-6067	183	11	positive	positive	ADJ
ajmri-6067	183	12	and	and	CCONJ
ajmri-6067	183	13	we	we	PRON
ajmri-6067	183	14	are	be	AUX
ajmri-6067	183	15	reluctant	reluctant	ADJ
ajmri-6067	183	16	to	to	PART
ajmri-6067	183	17	dwell	dwell	VERB
ajmri-6067	183	18	on	on	ADP
ajmri-6067	183	19	negative	negative	ADJ
ajmri-6067	183	20	factors	factor	NOUN
ajmri-6067	183	21	.	.	PUNCT
ajmri-6067	184	1	conversely	conversely	ADV
ajmri-6067	184	2	,	,	PUNCT
ajmri-6067	184	3	it	it	PRON
ajmri-6067	184	4	was	be	AUX
ajmri-6067	184	5	asserted	assert	VERB
ajmri-6067	184	6	that	that	SCONJ
ajmri-6067	184	7	we	we	PRON
ajmri-6067	184	8	have	have	AUX
ajmri-6067	184	9	found	find	VERB
ajmri-6067	184	10	that	that	SCONJ
ajmri-6067	184	11	the	the	DET
ajmri-6067	184	12	resistance	resistance	NOUN
ajmri-6067	184	13	to	to	ADP
ajmri-6067	184	14	innovation	innovation	NOUN
ajmri-6067	184	15	by	by	ADP
ajmri-6067	184	16	managers	manager	NOUN
ajmri-6067	184	17	is	be	AUX
ajmri-6067	184	18	a	a	DET
ajmri-6067	184	19	critical	critical	ADJ
ajmri-6067	184	20	barrier	barrier	NOUN
ajmri-6067	184	21	.	.	PUNCT
ajmri-6067	185	1	often	often	ADV
ajmri-6067	185	2	this	this	DET
ajmri-6067	185	3	barrier	barrier	NOUN
ajmri-6067	185	4	obstructs	obstruct	VERB
ajmri-6067	185	5	the	the	DET
ajmri-6067	185	6	positive	positive	ADJ
ajmri-6067	185	7	actions	action	NOUN
ajmri-6067	185	8	of	of	ADP
ajmri-6067	185	9	well	well	ADV
ajmri-6067	185	10	-	-	PUNCT
ajmri-6067	185	11	meaning	mean	VERB
ajmri-6067	185	12	and	and	CCONJ
ajmri-6067	185	13	creative	creative	ADJ
ajmri-6067	185	14	members	member	NOUN
ajmri-6067	185	15	of	of	ADP
ajmri-6067	185	16	the	the	DET
ajmri-6067	185	17	organization	organization	NOUN
ajmri-6067	185	18	.	.	PUNCT
ajmri-6067	186	1	such	such	ADJ
ajmri-6067	186	2	challenge	challenge	NOUN
ajmri-6067	186	3	and	and	CCONJ
ajmri-6067	186	4	raises	raise	VERB
ajmri-6067	186	5	recommendation	recommendation	NOUN
ajmri-6067	186	6	as	as	ADP
ajmri-6067	186	7	solution	solution	NOUN
ajmri-6067	186	8	to	to	ADP
ajmri-6067	186	9	them	they	PRON
ajmri-6067	186	10	.	.	PUNCT
ajmri-6067	187	1	mcgourty	mcgourty	VERB
ajmri-6067	187	2	et	et	PROPN
ajmri-6067	187	3	al	al	PROPN
ajmri-6067	187	4	.	.	PROPN
ajmri-6067	187	5	(	(	PUNCT
ajmri-6067	187	6	1996	1996	NUM
ajmri-6067	187	7	)	)	PUNCT
ajmri-6067	187	8	have	have	AUX
ajmri-6067	187	9	been	be	AUX
ajmri-6067	187	10	few	few	ADJ
ajmri-6067	187	11	innovation	innovation	NOUN
ajmri-6067	187	12	pioneers	pioneer	NOUN
ajmri-6067	187	13	who	who	PRON
ajmri-6067	187	14	establish	establish	VERB
ajmri-6067	187	15	that	that	SCONJ
ajmri-6067	187	16	there	there	PRON
ajmri-6067	187	17	are	be	VERB
ajmri-6067	187	18	four	four	NUM
ajmri-6067	187	19	specific	specific	ADJ
ajmri-6067	187	20	behaviors	behavior	NOUN
ajmri-6067	187	21	for	for	ADP
ajmri-6067	187	22	companies	company	NOUN
ajmri-6067	187	23	and	and	CCONJ
ajmri-6067	187	24	managers	manager	NOUN
ajmri-6067	187	25	and	and	CCONJ
ajmri-6067	187	26	that	that	SCONJ
ajmri-6067	187	27	these	these	DET
ajmri-6067	187	28	organizations	organization	NOUN
ajmri-6067	187	29	and	and	CCONJ
ajmri-6067	187	30	managers	manager	NOUN
ajmri-6067	187	31	are	be	AUX
ajmri-6067	187	32	inquisitive	inquisitive	ADJ
ajmri-6067	187	33	,	,	PUNCT
ajmri-6067	187	34	advocative	advocative	ADJ
ajmri-6067	187	35	,	,	PUNCT
ajmri-6067	187	36	collaborative	collaborative	ADJ
ajmri-6067	187	37	,	,	PUNCT
ajmri-6067	187	38	and	and	CCONJ
ajmri-6067	187	39	goal	goal	NOUN
ajmri-6067	187	40	-	-	PUNCT
ajmri-6067	187	41	oriented	orient	VERB
ajmri-6067	187	42	.	.	PUNCT
ajmri-6067	188	1	the	the	DET
ajmri-6067	188	2	researchers	researcher	NOUN
ajmri-6067	188	3	further	far	ADV
ajmri-6067	188	4	found	find	VERB
ajmri-6067	188	5	out	out	ADP
ajmri-6067	188	6	that	that	SCONJ
ajmri-6067	188	7	innovative	innovative	ADJ
ajmri-6067	188	8	companies	company	NOUN
ajmri-6067	188	9	in	in	ADP
ajmri-6067	188	10	their	their	PRON
ajmri-6067	188	11	bit	bit	NOUN
ajmri-6067	188	12	to	to	PART
ajmri-6067	188	13	foster	foster	VERB
ajmri-6067	188	14	these	these	DET
ajmri-6067	188	15	behaviors	behavior	NOUN
ajmri-6067	188	16	,	,	PUNCT
ajmri-6067	188	17	use	use	VERB
ajmri-6067	188	18	programs	program	NOUN
ajmri-6067	188	19	and	and	CCONJ
ajmri-6067	188	20	or	or	CCONJ
ajmri-6067	188	21	activities	activity	NOUN
ajmri-6067	188	22	designed	design	VERB
ajmri-6067	188	23	to	to	PART
ajmri-6067	188	24	reinforce	reinforce	VERB
ajmri-6067	188	25	actions	action	NOUN
ajmri-6067	188	26	that	that	PRON
ajmri-6067	188	27	are	be	AUX
ajmri-6067	188	28	inquisitive	inquisitive	ADJ
ajmri-6067	188	29	,	,	PUNCT
ajmri-6067	188	30	advocative	advocative	ADJ
ajmri-6067	188	31	,	,	PUNCT
ajmri-6067	188	32	collaborative	collaborative	ADJ
ajmri-6067	188	33	,	,	PUNCT
ajmri-6067	188	34	and	and	CCONJ
ajmri-6067	188	35	goal	goal	NOUN
ajmri-6067	188	36	-	-	PUNCT
ajmri-6067	188	37	oriented	orient	VERB
ajmri-6067	188	38	.	.	PUNCT
ajmri-6067	189	1	mcadam	mcadam	PROPN
ajmri-6067	189	2	et	et	PROPN
ajmri-6067	189	3	al	al	PROPN
ajmri-6067	189	4	.	.	PROPN
ajmri-6067	189	5	(	(	PUNCT
ajmri-6067	189	6	2007	2007	NUM
ajmri-6067	189	7	)	)	PUNCT
ajmri-6067	189	8	also	also	ADV
ajmri-6067	189	9	argue	argue	VERB
ajmri-6067	189	10	that	that	SCONJ
ajmri-6067	189	11	leadership	leadership	NOUN
ajmri-6067	189	12	and	and	CCONJ
ajmri-6067	189	13	vision	vision	NOUN
ajmri-6067	189	14	are	be	AUX
ajmri-6067	189	15	also	also	ADV
ajmri-6067	189	16	important	important	ADJ
ajmri-6067	189	17	to	to	ADP
ajmri-6067	189	18	managers	manager	NOUN
ajmri-6067	189	19	to	to	PART
ajmri-6067	189	20	cultivate	cultivate	VERB
ajmri-6067	189	21	innovation	innovation	NOUN
ajmri-6067	189	22	instead	instead	ADV
ajmri-6067	189	23	of	of	ADP
ajmri-6067	189	24	technical	technical	ADJ
ajmri-6067	189	25	competency	competency	NOUN
ajmri-6067	189	26	.	.	PUNCT
ajmri-6067	190	1	they	they	PRON
ajmri-6067	190	2	noted	note	VERB
ajmri-6067	190	3	that	that	SCONJ
ajmri-6067	190	4	that	that	SCONJ
ajmri-6067	190	5	having	have	VERB
ajmri-6067	190	6	leadership	leadership	NOUN
ajmri-6067	190	7	support	support	NOUN
ajmri-6067	190	8	innovation	innovation	NOUN
ajmri-6067	190	9	was	be	AUX
ajmri-6067	190	10	a	a	DET
ajmri-6067	190	11	driving	drive	VERB
ajmri-6067	190	12	force	force	NOUN
ajmri-6067	190	13	behind	behind	ADP
ajmri-6067	190	14	successful	successful	ADJ
ajmri-6067	190	15	innovation	innovation	NOUN
ajmri-6067	190	16	in	in	ADP
ajmri-6067	190	17	small	small	ADJ
ajmri-6067	190	18	and	and	CCONJ
ajmri-6067	190	19	medium	medium	ADJ
ajmri-6067	190	20	-	-	PUNCT
ajmri-6067	190	21	sized	sized	ADJ
ajmri-6067	190	22	enterprises	enterprise	NOUN
ajmri-6067	190	23	.	.	PUNCT
ajmri-6067	191	1	oke	oke	PROPN
ajmri-6067	191	2	(	(	PUNCT
ajmri-6067	191	3	2004	2004	NUM
ajmri-6067	191	4	)	)	PUNCT
ajmri-6067	191	5	has	have	VERB
ajmri-6067	191	6	the	the	DET
ajmri-6067	191	7	view	view	NOUN
ajmri-6067	191	8	that	that	SCONJ
ajmri-6067	191	9	the	the	DET
ajmri-6067	191	10	lack	lack	NOUN
ajmri-6067	191	11	of	of	ADP
ajmri-6067	191	12	effective	effective	ADJ
ajmri-6067	191	13	innovation	innovation	NOUN
ajmri-6067	191	14	measure	measure	NOUN
ajmri-6067	191	15	on	on	ADP
ajmri-6067	191	16	the	the	DET
ajmri-6067	191	17	part	part	NOUN
ajmri-6067	191	18	of	of	ADP
ajmri-6067	191	19	top	top	ADJ
ajmri-6067	191	20	-	-	PUNCT
ajmri-6067	191	21	management	management	NOUN
ajmri-6067	191	22	has	have	AUX
ajmri-6067	191	23	the	the	DET
ajmri-6067	191	24	negative	negative	ADJ
ajmri-6067	191	25	effect	effect	NOUN
ajmri-6067	191	26	on	on	ADP
ajmri-6067	191	27	the	the	DET
ajmri-6067	191	28	management	management	NOUN
ajmri-6067	191	29	of	of	ADP
ajmri-6067	191	30	innovation	innovation	NOUN
ajmri-6067	191	31	.	.	PUNCT
ajmri-6067	192	1	according	accord	VERB
ajmri-6067	192	2	to	to	ADP
ajmri-6067	192	3	him	he	PRON
ajmri-6067	192	4	,	,	PUNCT
ajmri-6067	192	5	sometimes	sometimes	ADV
ajmri-6067	192	6	getting	get	VERB
ajmri-6067	192	7	the	the	DET
ajmri-6067	192	8	support	support	NOUN
ajmri-6067	192	9	from	from	ADP
ajmri-6067	192	10	upper	upper	ADJ
ajmri-6067	192	11	management	management	NOUN
ajmri-6067	192	12	may	may	AUX
ajmri-6067	192	13	also	also	ADV
ajmri-6067	192	14	hinder	hinder	VERB
ajmri-6067	192	15	managers	manager	NOUN
ajmri-6067	192	16	trying	try	VERB
ajmri-6067	192	17	to	to	PART
ajmri-6067	192	18	foster	foster	VERB
ajmri-6067	192	19	innovation	innovation	NOUN
ajmri-6067	192	20	due	due	ADP
ajmri-6067	192	21	to	to	ADP
ajmri-6067	192	22	lack	lack	NOUN
ajmri-6067	192	23	of	of	ADP
ajmri-6067	192	24	effective	effective	ADJ
ajmri-6067	192	25	innovation	innovation	NOUN
ajmri-6067	192	26	measures	measure	NOUN
ajmri-6067	192	27	on	on	ADP
ajmri-6067	192	28	their	their	PRON
ajmri-6067	192	29	part	part	NOUN
ajmri-6067	192	30	.	.	PUNCT
ajmri-6067	193	1	the	the	DET
ajmri-6067	193	2	researcher	researcher	NOUN
ajmri-6067	193	3	also	also	ADV
ajmri-6067	193	4	asserts	assert	VERB
ajmri-6067	193	5	that	that	SCONJ
ajmri-6067	193	6	another	another	DET
ajmri-6067	193	7	resistant	resistant	ADJ
ajmri-6067	193	8	force	force	NOUN
ajmri-6067	193	9	is	be	AUX
ajmri-6067	193	10	“	"	PUNCT
ajmri-6067	193	11	lack	lack	NOUN
ajmri-6067	193	12	of	of	ADP
ajmri-6067	193	13	employee	employee	NOUN
ajmri-6067	193	14	acceptance	acceptance	NOUN
ajmri-6067	193	15	and	and	CCONJ
ajmri-6067	193	16	inadequate	inadequate	ADJ
ajmri-6067	193	17	awareness	awareness	NOUN
ajmri-6067	193	18	creation	creation	NOUN
ajmri-6067	193	19	by	by	ADP
ajmri-6067	193	20	senior	senior	ADJ
ajmri-6067	193	21	managers	manager	NOUN
ajmri-6067	193	22	”	"	PUNCT
ajmri-6067	193	23	.	.	PUNCT
ajmri-6067	194	1	on	on	ADP
ajmri-6067	194	2	solution	solution	NOUN
ajmri-6067	194	3	to	to	PART
ajmri-6067	194	4	overcome	overcome	VERB
ajmri-6067	194	5	managerial	managerial	ADJ
ajmri-6067	194	6	resistance	resistance	NOUN
ajmri-6067	194	7	to	to	ADP
ajmri-6067	194	8	ideas	idea	NOUN
ajmri-6067	194	9	,	,	PUNCT
ajmri-6067	194	10	the	the	DET
ajmri-6067	194	11	researchers	researcher	NOUN
ajmri-6067	194	12	recommend	recommend	VERB
ajmri-6067	194	13	that	that	SCONJ
ajmri-6067	194	14	;	;	PUNCT
ajmri-6067	194	15	1	1	X
ajmri-6067	194	16	)	)	PUNCT
ajmri-6067	194	17	managers	manager	NOUN
ajmri-6067	194	18	should	should	AUX
ajmri-6067	194	19	be	be	AUX
ajmri-6067	194	20	rated	rate	VERB
ajmri-6067	194	21	on	on	ADP
ajmri-6067	194	22	innovation	innovation	NOUN
ajmri-6067	194	23	by	by	ADP
ajmri-6067	194	24	the	the	DET
ajmri-6067	194	25	value	value	NOUN
ajmri-6067	194	26	of	of	ADP
ajmri-6067	194	27	the	the	DET
ajmri-6067	194	28	ideas	idea	NOUN
ajmri-6067	194	29	that	that	PRON
ajmri-6067	194	30	are	be	AUX
ajmri-6067	194	31	generated	generate	VERB
ajmri-6067	194	32	by	by	ADP
ajmri-6067	194	33	the	the	DET
ajmri-6067	194	34	people	people	NOUN
ajmri-6067	194	35	in	in	ADP
ajmri-6067	194	36	their	their	PRON
ajmri-6067	194	37	departments	department	NOUN
ajmri-6067	194	38	.	.	PUNCT
ajmri-6067	195	1	2	2	X
ajmri-6067	195	2	)	)	PUNCT
ajmri-6067	195	3	create	create	VERB
ajmri-6067	195	4	an	an	DET
ajmri-6067	195	5	idea	idea	NOUN
ajmri-6067	195	6	review	review	NOUN
ajmri-6067	195	7	process	process	NOUN
ajmri-6067	195	8	that	that	PRON
ajmri-6067	195	9	gives	give	VERB
ajmri-6067	195	10	constructive	constructive	ADJ
ajmri-6067	195	11	criticism	criticism	NOUN
ajmri-6067	195	12	to	to	ADP
ajmri-6067	195	13	ideas	idea	NOUN
ajmri-6067	195	14	that	that	PRON
ajmri-6067	195	15	are	be	AUX
ajmri-6067	195	16	not	not	PART
ajmri-6067	195	17	accepted	accept	VERB
ajmri-6067	195	18	.	.	PUNCT
ajmri-6067	196	1	3	3	X
ajmri-6067	196	2	)	)	PUNCT
ajmri-6067	196	3	ideas	idea	NOUN
ajmri-6067	196	4	that	that	PRON
ajmri-6067	196	5	involve	involve	VERB
ajmri-6067	196	6	growth	growth	NOUN
ajmri-6067	196	7	should	should	AUX
ajmri-6067	196	8	be	be	AUX
ajmri-6067	196	9	supported	support	VERB
ajmri-6067	196	10	by	by	ADP
ajmri-6067	196	11	appropriate	appropriate	ADJ
ajmri-6067	196	12	resources	resource	NOUN
ajmri-6067	196	13	to	to	PART
ajmri-6067	196	14	avoid	avoid	VERB
ajmri-6067	196	15	straining	strain	VERB
ajmri-6067	196	16	the	the	DET
ajmri-6067	196	17	personnel	personnel	NOUN
ajmri-6067	196	18	and	and	CCONJ
ajmri-6067	196	19	facilities	facility	NOUN
ajmri-6067	196	20	of	of	ADP
ajmri-6067	196	21	the	the	DET
ajmri-6067	196	22	organization	organization	NOUN
ajmri-6067	196	23	.	.	PUNCT
ajmri-6067	197	1	4	4	X
ajmri-6067	197	2	)	)	PUNCT
ajmri-6067	197	3	managers	manager	NOUN
ajmri-6067	197	4	who	who	PRON
ajmri-6067	197	5	have	have	VERB
ajmri-6067	197	6	innovative	innovative	ADJ
ajmri-6067	197	7	departments	department	NOUN
ajmri-6067	197	8	should	should	AUX
ajmri-6067	197	9	be	be	AUX
ajmri-6067	197	10	rewarded	reward	VERB
ajmri-6067	197	11	appropriately	appropriately	ADV
ajmri-6067	197	12	with	with	ADP
ajmri-6067	197	13	salary	salary	NOUN
ajmri-6067	197	14	increases	increase	NOUN
ajmri-6067	197	15	,	,	PUNCT
ajmri-6067	197	16	bonuses	bonus	NOUN
ajmri-6067	197	17	,	,	PUNCT
ajmri-6067	197	18	and	and	CCONJ
ajmri-6067	197	19	promotions	promotion	NOUN
ajmri-6067	197	20	.	.	PUNCT
ajmri-6067	198	1	5	5	X
ajmri-6067	198	2	)	)	PUNCT
ajmri-6067	198	3	create	create	VERB
ajmri-6067	198	4	a	a	DET
ajmri-6067	198	5	culture	culture	NOUN
ajmri-6067	198	6	that	that	PRON
ajmri-6067	198	7	does	do	AUX
ajmri-6067	198	8	not	not	PART
ajmri-6067	198	9	fear	fear	VERB
ajmri-6067	198	10	failure	failure	NOUN
ajmri-6067	198	11	and	and	CCONJ
ajmri-6067	198	12	rewards	reward	VERB
ajmri-6067	198	13	reasonable	reasonable	ADJ
ajmri-6067	198	14	risk	risk	NOUN
ajmri-6067	198	15	taking	take	VERB
ajmri-6067	198	16	in	in	ADP
ajmri-6067	198	17	the	the	DET
ajmri-6067	198	18	pursuit	pursuit	NOUN
ajmri-6067	198	19	of	of	ADP
ajmri-6067	198	20	innovation	innovation	NOUN
ajmri-6067	198	21	.	.	PUNCT
ajmri-6067	199	1	6	6	X
ajmri-6067	199	2	)	)	PUNCT
ajmri-6067	199	3	make	make	VERB
ajmri-6067	199	4	it	it	PRON
ajmri-6067	199	5	clear	clear	ADJ
ajmri-6067	199	6	that	that	SCONJ
ajmri-6067	199	7	innovation	innovation	NOUN
ajmri-6067	199	8	is	be	AUX
ajmri-6067	199	9	part	part	NOUN
ajmri-6067	199	10	of	of	ADP
ajmri-6067	199	11	everyone	everyone	PRON
ajmri-6067	199	12	’s	’s	PART
ajmri-6067	199	13	job	job	NOUN
ajmri-6067	199	14	.	.	PUNCT
ajmri-6067	200	1	research	research	NOUN
ajmri-6067	200	2	design	design	NOUN
ajmri-6067	200	3	and	and	CCONJ
ajmri-6067	200	4	method	method	NOUN
ajmri-6067	200	5	unlocking	unlock	VERB
ajmri-6067	200	6	the	the	DET
ajmri-6067	200	7	black	black	ADJ
ajmri-6067	200	8	box	box	NOUN
ajmri-6067	200	9	of	of	ADP
ajmri-6067	200	10	financial	financial	ADJ
ajmri-6067	200	11	innovation	innovation	NOUN
ajmri-6067	200	12	:	:	PUNCT
ajmri-6067	200	13	a	a	DET
ajmri-6067	200	14	case	case	NOUN
ajmri-6067	200	15	study	study	NOUN
ajmri-6067	200	16	of	of	ADP
ajmri-6067	200	17	banking	banking	NOUN
ajmri-6067	200	18	institutions	institution	NOUN
ajmri-6067	200	19	in	in	ADP
ajmri-6067	200	20	the	the	DET
ajmri-6067	200	21	eastern	eastern	ADJ
ajmri-6067	200	22	region	region	NOUN
ajmri-6067	200	23	of	of	ADP
ajmri-6067	200	24	ghana	ghana	PROPN
ajmri-6067	200	25	is	be	AUX
ajmri-6067	200	26	a	a	DET
ajmri-6067	200	27	social	social	ADJ
ajmri-6067	200	28	phenomenon	phenomenon	NOUN
ajmri-6067	200	29	that	that	PRON
ajmri-6067	200	30	needs	need	VERB
ajmri-6067	200	31	critical	critical	ADJ
ajmri-6067	200	32	attention	attention	NOUN
ajmri-6067	200	33	.	.	PUNCT
ajmri-6067	201	1	specific	specific	ADJ
ajmri-6067	201	2	towns	town	NOUN
ajmri-6067	201	3	and	and	CCONJ
ajmri-6067	201	4	cities	city	NOUN
ajmri-6067	201	5	targeted	target	VERB
ajmri-6067	201	6	for	for	ADP
ajmri-6067	201	7	the	the	DET
ajmri-6067	201	8	study	study	NOUN
ajmri-6067	201	9	were	be	AUX
ajmri-6067	201	10	koforidua	koforidua	PROPN
ajmri-6067	201	11	,	,	PUNCT
ajmri-6067	201	12	aburi	aburi	NOUN
ajmri-6067	201	13	,	,	PUNCT
ajmri-6067	201	14	nsawam	nsawam	NOUN
ajmri-6067	201	15	/	/	SYM
ajmri-6067	201	16	adoagyiri	adoagyiri	NOUN
ajmri-6067	201	17	,	,	PUNCT
ajmri-6067	201	18	asamankese	asamankese	ADJ
ajmri-6067	201	19	,	,	PUNCT
ajmri-6067	201	20	somanya	somanya	NOUN
ajmri-6067	201	21	,	,	PUNCT
ajmri-6067	201	22	nkawkaw	nkawkaw	NOUN
ajmri-6067	201	23	,	,	PUNCT
ajmri-6067	201	24	oda	oda	PROPN
ajmri-6067	201	25	and	and	CCONJ
ajmri-6067	201	26	kade	kade	NOUN
ajmri-6067	201	27	,	,	PUNCT
ajmri-6067	201	28	using	use	VERB
ajmri-6067	201	29	qualitative	qualitative	ADJ
ajmri-6067	201	30	survey	survey	NOUN
ajmri-6067	201	31	instrument	instrument	NOUN
ajmri-6067	201	32	,	,	PUNCT
ajmri-6067	201	33	a	a	DET
ajmri-6067	201	34	total	total	NOUN
ajmri-6067	201	35	of	of	ADP
ajmri-6067	201	36	28	28	NUM
ajmri-6067	201	37	respondents	respondent	NOUN
ajmri-6067	201	38	were	be	AUX
ajmri-6067	201	39	targeted	target	VERB
ajmri-6067	201	40	.	.	PUNCT
ajmri-6067	202	1	per	per	ADP
ajmri-6067	202	2	the	the	DET
ajmri-6067	202	3	2021	2021	NUM
ajmri-6067	202	4	population	population	NOUN
ajmri-6067	202	5	and	and	CCONJ
ajmri-6067	202	6	housing	housing	NOUN
ajmri-6067	202	7	census	census	PROPN
ajmri-6067	202	8	general	general	ADJ
ajmri-6067	202	9	report	report	NOUN
ajmri-6067	202	10	,	,	PUNCT
ajmri-6067	202	11	eastern	eastern	ADJ
ajmri-6067	202	12	region	region	NOUN
ajmri-6067	202	13	had	have	VERB
ajmri-6067	202	14	a	a	DET
ajmri-6067	202	15	total	total	ADJ
ajmri-6067	202	16	population	population	NOUN
ajmri-6067	202	17	of	of	ADP
ajmri-6067	202	18	2,925,653	2,925,653	NUM
ajmri-6067	202	19	representing	represent	VERB
ajmri-6067	202	20	9.48	9.48	NUM
ajmri-6067	202	21	%	%	NOUN
ajmri-6067	202	22	of	of	ADP
ajmri-6067	202	23	the	the	DET
ajmri-6067	202	24	total	total	ADJ
ajmri-6067	202	25	ghanaian	ghanaian	ADJ
ajmri-6067	202	26	population	population	NOUN
ajmri-6067	202	27	.	.	PUNCT
ajmri-6067	203	1	while	while	SCONJ
ajmri-6067	203	2	the	the	DET
ajmri-6067	203	3	geographical	geographical	ADJ
ajmri-6067	203	4	area	area	NOUN
ajmri-6067	203	5	of	of	ADP
ajmri-6067	203	6	target	target	NOUN
ajmri-6067	203	7	for	for	ADP
ajmri-6067	203	8	the	the	DET
ajmri-6067	203	9	qualitative	qualitative	ADJ
ajmri-6067	203	10	approaches	approach	NOUN
ajmri-6067	203	11	has	have	VERB
ajmri-6067	203	12	a	a	DET
ajmri-6067	203	13	total	total	ADJ
ajmri-6067	203	14	population	population	NOUN
ajmri-6067	203	15	of	of	ADP
ajmri-6067	203	16	1,291,004	1,291,004	NUM
ajmri-6067	203	17	representing	represent	VERB
ajmri-6067	203	18	44	44	NUM
ajmri-6067	203	19	%	%	NOUN
ajmri-6067	203	20	of	of	ADP
ajmri-6067	203	21	the	the	DET
ajmri-6067	203	22	total	total	ADJ
ajmri-6067	203	23	population	population	NOUN
ajmri-6067	203	24	of	of	ADP
ajmri-6067	203	25	the	the	DET
ajmri-6067	203	26	eastern	eastern	ADJ
ajmri-6067	203	27	region	region	NOUN
ajmri-6067	203	28	.	.	PUNCT
ajmri-6067	204	1	sampling	sample	VERB
ajmri-6067	204	2	method	method	NOUN
ajmri-6067	204	3	the	the	DET
ajmri-6067	204	4	study	study	NOUN
ajmri-6067	204	5	employed	employ	VERB
ajmri-6067	204	6	a	a	DET
ajmri-6067	204	7	purposive	purposive	ADJ
ajmri-6067	204	8	sampling	sampling	NOUN
ajmri-6067	204	9	technique	technique	NOUN
ajmri-6067	204	10	to	to	ADP
ajmri-6067	204	11	selected	select	VERB
ajmri-6067	204	12	banking	banking	NOUN
ajmri-6067	204	13	and	and	CCONJ
ajmri-6067	204	14	other	other	ADJ
ajmri-6067	204	15	financial	financial	ADJ
ajmri-6067	204	16	institutions	institution	NOUN
ajmri-6067	204	17	in	in	ADP
ajmri-6067	204	18	the	the	DET
ajmri-6067	204	19	region	region	NOUN
ajmri-6067	204	20	,	,	PUNCT
ajmri-6067	204	21	focusing	focus	VERB
ajmri-6067	204	22	on	on	ADP
ajmri-6067	204	23	the	the	DET
ajmri-6067	204	24	above	above	ADJ
ajmri-6067	204	25	towns	town	NOUN
ajmri-6067	204	26	and	and	CCONJ
ajmri-6067	204	27	cities	city	NOUN
ajmri-6067	204	28	.	.	PUNCT
ajmri-6067	205	1	the	the	DET
ajmri-6067	205	2	sampling	sample	VERB
ajmri-6067	205	3	size	size	NOUN
ajmri-6067	205	4	was	be	AUX
ajmri-6067	205	5	determined	determine	VERB
ajmri-6067	205	6	based	base	VERB
ajmri-6067	205	7	on	on	ADP
ajmri-6067	205	8	the	the	DET
ajmri-6067	205	9	saturation	saturation	NOUN
ajmri-6067	205	10	point	point	NOUN
ajmri-6067	205	11	,	,	PUNCT
ajmri-6067	205	12	where	where	SCONJ
ajmri-6067	205	13	data	datum	NOUN
ajmri-6067	205	14	collection	collection	NOUN
ajmri-6067	205	15	continued	continue	VERB
ajmri-6067	205	16	until	until	SCONJ
ajmri-6067	205	17	no	no	DET
ajmri-6067	205	18	new	new	ADJ
ajmri-6067	205	19	themes	theme	NOUN
ajmri-6067	205	20	emerged	emerge	VERB
ajmri-6067	205	21	.	.	PUNCT
ajmri-6067	206	1	a	a	DET
ajmri-6067	206	2	total	total	NOUN
ajmri-6067	206	3	of	of	ADP
ajmri-6067	206	4	45	45	NUM
ajmri-6067	206	5	participants	participant	NOUN
ajmri-6067	206	6	were	be	AUX
ajmri-6067	206	7	targeted	target	VERB
ajmri-6067	206	8	from	from	ADP
ajmri-6067	206	9	15	15	NUM
ajmri-6067	206	10	financial	financial	ADJ
ajmri-6067	206	11	institutions	institution	NOUN
ajmri-6067	206	12	,	,	PUNCT
ajmri-6067	206	13	comprising	comprise	VERB
ajmri-6067	206	14	5	5	NUM
ajmri-6067	206	15	senior	senior	ADJ
ajmri-6067	206	16	managers	manager	NOUN
ajmri-6067	206	17	,	,	PUNCT
ajmri-6067	206	18	10	10	NUM
ajmri-6067	206	19	middle	middle	ADJ
ajmri-6067	206	20	managers	manager	NOUN
ajmri-6067	206	21	,	,	PUNCT
ajmri-6067	206	22	10	10	NUM
ajmri-6067	206	23	supervisors	supervisor	NOUN
ajmri-6067	206	24	and	and	CCONJ
ajmri-6067	206	25	20	20	NUM
ajmri-6067	206	26	customers	customer	NOUN
ajmri-6067	206	27	.	.	PUNCT
ajmri-6067	207	1	this	this	DET
ajmri-6067	207	2	specific	specific	ADJ
ajmri-6067	207	3	sampling	sampling	NOUN
ajmri-6067	207	4	size	size	NOUN
ajmri-6067	207	5	is	be	AUX
ajmri-6067	207	6	crucial	crucial	ADJ
ajmri-6067	207	7	as	as	SCONJ
ajmri-6067	207	8	it	it	PRON
ajmri-6067	207	9	seeks	seek	VERB
ajmri-6067	207	10	to	to	PART
ajmri-6067	207	11	enable	enable	VERB
ajmri-6067	207	12	accurate	accurate	ADJ
ajmri-6067	207	13	estimates	estimate	NOUN
ajmri-6067	207	14	,	,	PUNCT
ajmri-6067	207	15	reducing	reduce	VERB
ajmri-6067	207	16	biases	bias	NOUN
ajmri-6067	207	17	,	,	PUNCT
ajmri-6067	207	18	and	and	CCONJ
ajmri-6067	207	19	increasing	increase	VERB
ajmri-6067	207	20	reliability	reliability	NOUN
ajmri-6067	207	21	as	as	SCONJ
ajmri-6067	207	22	the	the	DET
ajmri-6067	207	23	study	study	NOUN
ajmri-6067	207	24	employs	employ	VERB
ajmri-6067	207	25	a	a	DET
ajmri-6067	207	26	carefully	carefully	ADV
ajmri-6067	207	27	chosen	choose	VERB
ajmri-6067	207	28	approach	approach	NOUN
ajmri-6067	207	29	to	to	PART
ajmri-6067	207	30	investigate	investigate	VERB
ajmri-6067	207	31	the	the	DET
ajmri-6067	207	32	phenomenon	phenomenon	NOUN
ajmri-6067	207	33	.	.	PUNCT
ajmri-6067	208	1	data	datum	NOUN
ajmri-6067	208	2	analysis	analysis	NOUN
ajmri-6067	208	3	method	method	NOUN
ajmri-6067	208	4	qualitative	qualitative	ADJ
ajmri-6067	208	5	data	datum	NOUN
ajmri-6067	208	6	was	be	AUX
ajmri-6067	208	7	analyzed	analyze	VERB
ajmri-6067	208	8	,	,	PUNCT
ajmri-6067	208	9	using	use	VERB
ajmri-6067	208	10	nvivo	nvivo	ADJ
ajmri-6067	208	11	12	12	NUM
ajmri-6067	208	12	software	software	NOUN
ajmri-6067	208	13	.	.	PUNCT
ajmri-6067	209	1	the	the	DET
ajmri-6067	209	2	analysis	analysis	NOUN
ajmri-6067	209	3	involves	involve	VERB
ajmri-6067	209	4	coding	coding	NOUN
ajmri-6067	209	5	,	,	PUNCT
ajmri-6067	209	6	theme	theme	NOUN
ajmri-6067	209	7	identification	identification	NOUN
ajmri-6067	209	8	,	,	PUNCT
ajmri-6067	209	9	and	and	CCONJ
ajmri-6067	209	10	pattern	pattern	NOUN
ajmri-6067	209	11	recognition	recognition	NOUN
ajmri-6067	209	12	.	.	PUNCT
ajmri-6067	210	1	the	the	DET
ajmri-6067	210	2	coding	code	VERB
ajmri-6067	210	3	process	process	NOUN
ajmri-6067	210	4	involved	involve	VERB
ajmri-6067	210	5	an	an	DET
ajmri-6067	210	6	inclusive	inclusive	ADJ
ajmri-6067	210	7	approach	approach	NOUN
ajmri-6067	210	8	,	,	PUNCT
ajmri-6067	210	9	where	where	SCONJ
ajmri-6067	210	10	codes	code	NOUN
ajmri-6067	210	11	emerged	emerge	VERB
ajmri-6067	210	12	from	from	ADP
ajmri-6067	210	13	the	the	DET
ajmri-6067	210	14	data	datum	NOUN
ajmri-6067	210	15	.	.	PUNCT
ajmri-6067	211	1	two	two	NUM
ajmri-6067	211	2	researchers	researcher	NOUN
ajmri-6067	211	3	independently	independently	ADV
ajmri-6067	211	4	coded	code	VERB
ajmri-6067	211	5	the	the	DET
ajmri-6067	211	6	data	datum	NOUN
ajmri-6067	211	7	to	to	PART
ajmri-6067	211	8	ensure	ensure	VERB
ajmri-6067	211	9	inter	inter	ADJ
ajmri-6067	211	10	-	-	ADJ
ajmri-6067	211	11	coder	coder	ADJ
ajmri-6067	211	12	reliability	reliability	NOUN
ajmri-6067	211	13	,	,	PUNCT
ajmri-6067	211	14	and	and	CCONJ
ajmri-6067	211	15	any	any	DET
ajmri-6067	211	16	discrepancies	discrepancy	NOUN
ajmri-6067	211	17	were	be	AUX
ajmri-6067	211	18	resolved	resolve	VERB
ajmri-6067	211	19	through	through	ADP
ajmri-6067	211	20	consensus	consensus	NOUN
ajmri-6067	211	21	.	.	PUNCT
ajmri-6067	212	1	because	because	SCONJ
ajmri-6067	212	2	the	the	DET
ajmri-6067	212	3	writers	writer	NOUN
ajmri-6067	212	4	have	have	VERB
ajmri-6067	212	5	the	the	DET
ajmri-6067	212	6	view	view	NOUN
ajmri-6067	212	7	that	that	SCONJ
ajmri-6067	212	8	the	the	DET
ajmri-6067	212	9	method	method	NOUN
ajmri-6067	212	10	is	be	AUX
ajmri-6067	212	11	one	one	NUM
ajmri-6067	212	12	of	of	ADP
ajmri-6067	212	13	the	the	DET
ajmri-6067	212	14	simplest	simple	ADJ
ajmri-6067	212	15	way	way	NOUN
ajmri-6067	212	16	of	of	ADP
ajmri-6067	212	17	conducting	conduct	VERB
ajmri-6067	212	18	research	research	NOUN
ajmri-6067	212	19	that	that	PRON
ajmri-6067	212	20	involves	involve	VERB
ajmri-6067	212	21	a	a	DET
ajmri-6067	212	22	deep	deep	ADJ
ajmri-6067	212	23	dive	dive	NOUN
ajmri-6067	212	24	and	and	CCONJ
ajmri-6067	212	25	thorough	thorough	ADJ
ajmri-6067	212	26	understanding	understanding	NOUN
ajmri-6067	212	27	of	of	ADP
ajmri-6067	212	28	the	the	DET
ajmri-6067	212	29	data	datum	NOUN
ajmri-6067	212	30	collected	collect	VERB
ajmri-6067	212	31	.	.	PUNCT
ajmri-6067	213	1	the	the	DET
ajmri-6067	213	2	approach	approach	NOUN
ajmri-6067	213	3	helps	help	VERB
ajmri-6067	213	4	the	the	DET
ajmri-6067	213	5	collection	collection	NOUN
ajmri-6067	213	6	of	of	ADP
ajmri-6067	213	7	data	datum	NOUN
ajmri-6067	213	8	from	from	ADP
ajmri-6067	213	9	secondary	secondary	ADJ
ajmri-6067	213	10	source	source	NOUN
ajmri-6067	213	11	,	,	PUNCT
ajmri-6067	213	12	targeting	target	VERB
ajmri-6067	213	13	published	publish	VERB
ajmri-6067	213	14	documents	document	NOUN
ajmri-6067	213	15	,	,	PUNCT
ajmri-6067	213	16	reports	report	NOUN
ajmri-6067	213	17	,	,	PUNCT
ajmri-6067	213	18	journals	journal	NOUN
ajmri-6067	213	19	,	,	PUNCT
ajmri-6067	213	20	the	the	DET
ajmri-6067	213	21	internet	internet	NOUN
ajmri-6067	213	22	,	,	PUNCT
ajmri-6067	213	23	magazines	magazine	NOUN
ajmri-6067	213	24	,	,	PUNCT
ajmri-6067	213	25	newspapers	newspaper	NOUN
ajmri-6067	213	26	,	,	PUNCT
ajmri-6067	213	27	and	and	CCONJ
ajmri-6067	213	28	other	other	ADJ
ajmri-6067	213	29	relevant	relevant	ADJ
ajmri-6067	213	30	documents	document	NOUN
ajmri-6067	213	31	related	relate	VERB
ajmri-6067	213	32	to	to	ADP
ajmri-6067	213	33	the	the	DET
ajmri-6067	213	34	research	research	NOUN
ajmri-6067	213	35	topic	topic	NOUN
ajmri-6067	213	36	.	.	PUNCT
ajmri-6067	214	1	the	the	DET
ajmri-6067	214	2	writer	writer	NOUN
ajmri-6067	214	3	has	have	VERB
ajmri-6067	214	4	the	the	DET
ajmri-6067	214	5	assumption	assumption	NOUN
ajmri-6067	214	6	that	that	SCONJ
ajmri-6067	214	7	the	the	DET
ajmri-6067	214	8	data	datum	NOUN
ajmri-6067	214	9	collected	collect	VERB
ajmri-6067	214	10	would	would	AUX
ajmri-6067	214	11	be	be	AUX
ajmri-6067	214	12	holistic	holistic	ADJ
ajmri-6067	214	13	,	,	PUNCT
ajmri-6067	214	14	rich	rich	ADJ
ajmri-6067	214	15	,	,	PUNCT
ajmri-6067	214	16	and	and	CCONJ
ajmri-6067	214	17	nuanced	nuanced	ADJ
ajmri-6067	214	18	with	with	ADP
ajmri-6067	214	19	findings	finding	NOUN
ajmri-6067	214	20	that	that	PRON
ajmri-6067	214	21	were	be	AUX
ajmri-6067	214	22	emerged	emerge	VERB
ajmri-6067	214	23	through	through	ADP
ajmri-6067	214	24	careful	careful	ADJ
ajmri-6067	214	25	analysis	analysis	NOUN
ajmri-6067	214	26	statement	statement	NOUN
ajmri-6067	214	27	of	of	ADP
ajmri-6067	214	28	ethics	ethic	NOUN
ajmri-6067	214	29	by	by	ADP
ajmri-6067	214	30	ensuring	ensure	VERB
ajmri-6067	214	31	accuracy	accuracy	NOUN
ajmri-6067	214	32	and	and	CCONJ
ajmri-6067	214	33	correctness	correctness	NOUN
ajmri-6067	214	34	,	,	PUNCT
ajmri-6067	214	35	the	the	DET
ajmri-6067	214	36	authors	author	NOUN
ajmri-6067	214	37	demonstrate	demonstrate	VERB
ajmri-6067	214	38	their	their	PRON
ajmri-6067	214	39	commitment	commitment	NOUN
ajmri-6067	214	40	to	to	ADP
ajmri-6067	214	41	excellence	excellence	NOUN
ajmri-6067	214	42	,	,	PUNCT
ajmri-6067	214	43	integrity	integrity	NOUN
ajmri-6067	214	44	,	,	PUNCT
ajmri-6067	214	45	and	and	CCONJ
ajmri-6067	214	46	respect	respect	NOUN
ajmri-6067	214	47	for	for	ADP
ajmri-6067	214	48	their	their	PRON
ajmri-6067	214	49	readers	reader	NOUN
ajmri-6067	214	50	.	.	PUNCT
ajmri-6067	215	1	the	the	DET
ajmri-6067	215	2	writers	writer	NOUN
ajmri-6067	215	3	therefore	therefore	ADV
ajmri-6067	215	4	recognize	recognize	VERB
ajmri-6067	215	5	that	that	SCONJ
ajmri-6067	215	6	it	it	PRON
ajmri-6067	215	7	is	be	AUX
ajmri-6067	215	8	crucial	crucial	ADJ
ajmri-6067	215	9	for	for	ADP
ajmri-6067	215	10	several	several	ADJ
ajmri-6067	215	11	reasons	reason	NOUN
ajmri-6067	215	12	,	,	PUNCT
ajmri-6067	215	13	which	which	PRON
ajmri-6067	215	14	pa	pa	PROPN
ajmri-6067	215	15	ge	ge	PROPN
ajmri-6067	215	16	54	54	NUM
ajmri-6067	215	17	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	215	18	am	am	NOUN
ajmri-6067	215	19	.	.	PUNCT
ajmri-6067	216	1	j.	j.	PROPN
ajmri-6067	216	2	multidis	multidis	PROPN
ajmri-6067	216	3	.	.	PUNCT
ajmri-6067	217	1	res	re	NOUN
ajmri-6067	217	2	.	.	PUNCT
ajmri-6067	218	1	innov	innov	PROPN
ajmri-6067	218	2	.	.	PUNCT
ajmri-6067	219	1	4(6	4(6	NUM
ajmri-6067	219	2	)	)	PUNCT
ajmri-6067	219	3	48	48	NUM
ajmri-6067	219	4	-	-	SYM
ajmri-6067	219	5	57	57	NUM
ajmri-6067	219	6	,	,	PUNCT
ajmri-6067	219	7	2025	2025	NUM
ajmri-6067	219	8	includes	include	VERB
ajmri-6067	219	9	:	:	PUNCT
ajmri-6067	219	10	credibility	credibility	NOUN
ajmri-6067	219	11	,	,	PUNCT
ajmri-6067	219	12	reliability	reliability	NOUN
ajmri-6067	219	13	,	,	PUNCT
ajmri-6067	219	14	integrity	integrity	NOUN
ajmri-6067	219	15	,	,	PUNCT
ajmri-6067	219	16	respect	respect	NOUN
ajmri-6067	219	17	for	for	ADP
ajmri-6067	219	18	readers	reader	NOUN
ajmri-6067	219	19	,	,	PUNCT
ajmri-6067	219	20	and	and	CCONJ
ajmri-6067	219	21	authority	authority	NOUN
ajmri-6067	219	22	of	of	ADP
ajmri-6067	219	23	the	the	DET
ajmri-6067	219	24	research	research	NOUN
ajmri-6067	219	25	paper	paper	NOUN
ajmri-6067	219	26	,	,	PUNCT
ajmri-6067	219	27	discussion	discussion	NOUN
ajmri-6067	219	28	of	of	ADP
ajmri-6067	219	29	key	key	ADJ
ajmri-6067	219	30	findings	finding	NOUN
ajmri-6067	219	31	innovation	innovation	NOUN
ajmri-6067	219	32	is	be	AUX
ajmri-6067	219	33	recognized	recognize	VERB
ajmri-6067	219	34	as	as	ADP
ajmri-6067	219	35	an	an	DET
ajmri-6067	219	36	indispensable	indispensable	ADJ
ajmri-6067	219	37	element	element	NOUN
ajmri-6067	219	38	for	for	ADP
ajmri-6067	219	39	companies	company	NOUN
ajmri-6067	219	40	,	,	PUNCT
ajmri-6067	219	41	not	not	PART
ajmri-6067	219	42	only	only	ADV
ajmri-6067	219	43	at	at	ADP
ajmri-6067	219	44	the	the	DET
ajmri-6067	219	45	micro	micro	ADJ
ajmri-6067	219	46	level	level	NOUN
ajmri-6067	219	47	for	for	ADP
ajmri-6067	219	48	realizing	realize	VERB
ajmri-6067	219	49	sustainable	sustainable	ADJ
ajmri-6067	219	50	competitive	competitive	ADJ
ajmri-6067	219	51	advantage	advantage	NOUN
ajmri-6067	219	52	but	but	CCONJ
ajmri-6067	219	53	macro	macro	ADJ
ajmri-6067	219	54	level	level	NOUN
ajmri-6067	219	55	as	as	ADV
ajmri-6067	219	56	well	well	ADV
ajmri-6067	219	57	.	.	PUNCT
ajmri-6067	220	1	the	the	DET
ajmri-6067	220	2	study	study	NOUN
ajmri-6067	220	3	sought	seek	VERB
ajmri-6067	220	4	to	to	PART
ajmri-6067	220	5	find	find	VERB
ajmri-6067	220	6	answers	answer	NOUN
ajmri-6067	220	7	to	to	ADP
ajmri-6067	220	8	the	the	DET
ajmri-6067	220	9	key	key	ADJ
ajmri-6067	220	10	penetrating	penetrate	VERB
ajmri-6067	220	11	questions	question	NOUN
ajmri-6067	220	12	believed	believe	VERB
ajmri-6067	220	13	to	to	PART
ajmri-6067	220	14	help	help	VERB
ajmri-6067	220	15	solve	solve	VERB
ajmri-6067	220	16	certain	certain	ADJ
ajmri-6067	220	17	problems	problem	NOUN
ajmri-6067	220	18	in	in	ADP
ajmri-6067	220	19	the	the	DET
ajmri-6067	220	20	banking	banking	NOUN
ajmri-6067	220	21	sector	sector	NOUN
ajmri-6067	220	22	.	.	PUNCT
ajmri-6067	221	1	this	this	PRON
ajmri-6067	221	2	is	be	AUX
ajmri-6067	221	3	relevant	relevant	ADJ
ajmri-6067	221	4	to	to	ADP
ajmri-6067	221	5	the	the	DET
ajmri-6067	221	6	industry	industry	NOUN
ajmri-6067	221	7	as	as	ADV
ajmri-6067	221	8	most	most	ADV
ajmri-6067	221	9	often	often	ADV
ajmri-6067	221	10	;	;	PUNCT
ajmri-6067	221	11	it	it	PRON
ajmri-6067	221	12	faces	face	VERB
ajmri-6067	221	13	key	key	ADJ
ajmri-6067	221	14	challenges	challenge	NOUN
ajmri-6067	221	15	that	that	PRON
ajmri-6067	221	16	need	need	VERB
ajmri-6067	221	17	a	a	DET
ajmri-6067	221	18	“	"	PUNCT
ajmri-6067	221	19	think	think	VERB
ajmri-6067	221	20	outside	outside	ADP
ajmri-6067	221	21	the	the	DET
ajmri-6067	221	22	box	box	NOUN
ajmri-6067	221	23	”	"	PUNCT
ajmri-6067	221	24	solution	solution	NOUN
ajmri-6067	221	25	.	.	PUNCT
ajmri-6067	222	1	interestingly	interestingly	ADV
ajmri-6067	222	2	,	,	PUNCT
ajmri-6067	222	3	the	the	DET
ajmri-6067	222	4	focused	focus	VERB
ajmri-6067	222	5	on	on	ADP
ajmri-6067	222	6	the	the	DET
ajmri-6067	222	7	following	follow	VERB
ajmri-6067	222	8	five	five	NUM
ajmri-6067	222	9	(	(	PUNCT
ajmri-6067	222	10	3	3	NUM
ajmri-6067	222	11	)	)	PUNCT
ajmri-6067	222	12	specific	specific	ADJ
ajmri-6067	222	13	objectives	objective	NOUN
ajmri-6067	222	14	to	to	PART
ajmri-6067	222	15	achieve	achieve	VERB
ajmri-6067	222	16	the	the	DET
ajmri-6067	222	17	study	study	NOUN
ajmri-6067	222	18	’s	’s	PART
ajmri-6067	222	19	main	main	ADJ
ajmri-6067	222	20	goal	goal	NOUN
ajmri-6067	222	21	:	:	PUNCT
ajmri-6067	222	22	1	1	X
ajmri-6067	222	23	)	)	PUNCT
ajmri-6067	222	24	examine	examine	VERB
ajmri-6067	222	25	the	the	DET
ajmri-6067	222	26	effects	effect	NOUN
ajmri-6067	222	27	of	of	ADP
ajmri-6067	222	28	innovation	innovation	NOUN
ajmri-6067	222	29	on	on	ADP
ajmri-6067	222	30	banking	banking	NOUN
ajmri-6067	222	31	sector	sector	NOUN
ajmri-6067	222	32	in	in	ADP
ajmri-6067	222	33	ghana	ghana	PROPN
ajmri-6067	222	34	2	2	NUM
ajmri-6067	222	35	)	)	PUNCT
ajmri-6067	222	36	examine	examine	VERB
ajmri-6067	222	37	different	different	ADJ
ajmri-6067	222	38	forms	form	NOUN
ajmri-6067	222	39	of	of	ADP
ajmri-6067	222	40	resistances	resistance	NOUN
ajmri-6067	222	41	to	to	ADP
ajmri-6067	222	42	innovative	innovative	ADJ
ajmri-6067	222	43	mind	mind	NOUN
ajmri-6067	222	44	-	-	PUNCT
ajmri-6067	222	45	set	set	NOUN
ajmri-6067	222	46	in	in	ADP
ajmri-6067	222	47	financial	financial	ADJ
ajmri-6067	222	48	institution	institution	NOUN
ajmri-6067	222	49	3	3	X
ajmri-6067	222	50	)	)	PUNCT
ajmri-6067	222	51	analyze	analyze	VERB
ajmri-6067	222	52	the	the	DET
ajmri-6067	222	53	key	key	ADJ
ajmri-6067	222	54	triggers	trigger	NOUN
ajmri-6067	222	55	of	of	ADP
ajmri-6067	222	56	resistance	resistance	NOUN
ajmri-6067	222	57	to	to	ADP
ajmri-6067	222	58	innovative	innovative	ADJ
ajmri-6067	222	59	mind	mind	NOUN
ajmri-6067	222	60	-	-	PUNCT
ajmri-6067	222	61	set	set	NOUN
ajmri-6067	222	62	in	in	ADP
ajmri-6067	222	63	the	the	DET
ajmri-6067	222	64	financial	financial	ADJ
ajmri-6067	222	65	organisations	organisation	NOUN
ajmri-6067	222	66	.	.	PUNCT
ajmri-6067	223	1	policy	policy	NOUN
ajmri-6067	223	2	to	to	PART
ajmri-6067	223	3	encourage	encourage	VERB
ajmri-6067	223	4	innovative	innovative	ADJ
ajmri-6067	223	5	ideas	idea	NOUN
ajmri-6067	223	6	from	from	ADP
ajmri-6067	223	7	staff	staff	NOUN
ajmri-6067	223	8	the	the	DET
ajmri-6067	223	9	study	study	NOUN
ajmri-6067	223	10	establishes	establish	VERB
ajmri-6067	223	11	that	that	SCONJ
ajmri-6067	223	12	majority	majority	NOUN
ajmri-6067	223	13	of	of	ADP
ajmri-6067	223	14	clients	client	NOUN
ajmri-6067	223	15	and	and	CCONJ
ajmri-6067	223	16	customers	customer	NOUN
ajmri-6067	223	17	of	of	ADP
ajmri-6067	223	18	financial	financial	ADJ
ajmri-6067	223	19	services	service	NOUN
ajmri-6067	223	20	are	be	AUX
ajmri-6067	223	21	of	of	ADP
ajmri-6067	223	22	the	the	DET
ajmri-6067	223	23	view	view	NOUN
ajmri-6067	223	24	that	that	SCONJ
ajmri-6067	223	25	technology	technology	NOUN
ajmri-6067	223	26	could	could	AUX
ajmri-6067	223	27	influence	influence	VERB
ajmri-6067	223	28	the	the	DET
ajmri-6067	223	29	growth	growth	NOUN
ajmri-6067	223	30	of	of	ADP
ajmri-6067	223	31	financial	financial	ADJ
ajmri-6067	223	32	institutions	institution	NOUN
ajmri-6067	223	33	in	in	ADP
ajmri-6067	223	34	ghana	ghana	PROPN
ajmri-6067	223	35	.	.	PUNCT
ajmri-6067	224	1	ghanaian	ghanaian	ADJ
ajmri-6067	224	2	business	business	NOUN
ajmri-6067	224	3	owners	owner	NOUN
ajmri-6067	224	4	and	and	CCONJ
ajmri-6067	224	5	clients	client	NOUN
ajmri-6067	224	6	are	be	AUX
ajmri-6067	224	7	of	of	ADP
ajmri-6067	224	8	the	the	DET
ajmri-6067	224	9	view	view	NOUN
ajmri-6067	224	10	that	that	SCONJ
ajmri-6067	224	11	the	the	DET
ajmri-6067	224	12	use	use	NOUN
ajmri-6067	224	13	of	of	ADP
ajmri-6067	224	14	innovation	innovation	NOUN
ajmri-6067	224	15	,	,	PUNCT
ajmri-6067	224	16	especially	especially	ADV
ajmri-6067	224	17	technology	technology	NOUN
ajmri-6067	224	18	could	could	AUX
ajmri-6067	224	19	influence	influence	VERB
ajmri-6067	224	20	the	the	DET
ajmri-6067	224	21	growth	growth	NOUN
ajmri-6067	224	22	of	of	ADP
ajmri-6067	224	23	financial	financial	ADJ
ajmri-6067	224	24	institutions	institution	NOUN
ajmri-6067	224	25	in	in	ADP
ajmri-6067	224	26	ghana	ghana	PROPN
ajmri-6067	224	27	,	,	PUNCT
ajmri-6067	224	28	and	and	CCONJ
ajmri-6067	224	29	one	one	NUM
ajmri-6067	224	30	of	of	ADP
ajmri-6067	224	31	the	the	DET
ajmri-6067	224	32	key	key	ADJ
ajmri-6067	224	33	focus	focus	NOUN
ajmri-6067	224	34	of	of	ADP
ajmri-6067	224	35	the	the	DET
ajmri-6067	224	36	study	study	NOUN
ajmri-6067	224	37	has	have	AUX
ajmri-6067	224	38	been	be	AUX
ajmri-6067	224	39	how	how	SCONJ
ajmri-6067	224	40	the	the	DET
ajmri-6067	224	41	use	use	NOUN
ajmri-6067	224	42	of	of	ADP
ajmri-6067	224	43	innovation	innovation	NOUN
ajmri-6067	224	44	could	could	AUX
ajmri-6067	224	45	serve	serve	VERB
ajmri-6067	224	46	as	as	ADP
ajmri-6067	224	47	a	a	DET
ajmri-6067	224	48	means	means	NOUN
ajmri-6067	224	49	to	to	PART
ajmri-6067	224	50	ensure	ensure	VERB
ajmri-6067	224	51	business	business	NOUN
ajmri-6067	224	52	sustainability	sustainability	NOUN
ajmri-6067	224	53	.	.	PUNCT
ajmri-6067	225	1	interestingly	interestingly	ADV
ajmri-6067	225	2	,	,	PUNCT
ajmri-6067	225	3	most	most	ADJ
ajmri-6067	225	4	qualitative	qualitative	ADJ
ajmri-6067	225	5	respondents	respondent	NOUN
ajmri-6067	225	6	concurred	concur	VERB
ajmri-6067	225	7	the	the	DET
ajmri-6067	225	8	use	use	NOUN
ajmri-6067	225	9	of	of	ADP
ajmri-6067	225	10	innovation	innovation	NOUN
ajmri-6067	225	11	as	as	ADP
ajmri-6067	225	12	a	a	DET
ajmri-6067	225	13	means	means	NOUN
ajmri-6067	225	14	to	to	PART
ajmri-6067	225	15	ensure	ensure	VERB
ajmri-6067	225	16	business	business	NOUN
ajmri-6067	225	17	sustainability	sustainability	NOUN
ajmri-6067	225	18	.	.	PUNCT
ajmri-6067	226	1	referring	refer	VERB
ajmri-6067	226	2	to	to	ADP
ajmri-6067	226	3	the	the	DET
ajmri-6067	226	4	data	datum	NOUN
ajmri-6067	226	5	gathered	gather	VERB
ajmri-6067	226	6	from	from	ADP
ajmri-6067	226	7	the	the	DET
ajmri-6067	226	8	survey	survey	NOUN
ajmri-6067	226	9	instrument	instrument	NOUN
ajmri-6067	226	10	,	,	PUNCT
ajmri-6067	226	11	there	there	PRON
ajmri-6067	226	12	were	be	VERB
ajmri-6067	226	13	other	other	ADJ
ajmri-6067	226	14	number	number	NOUN
ajmri-6067	226	15	of	of	ADP
ajmri-6067	226	16	respondents	respondent	NOUN
ajmri-6067	226	17	who	who	PRON
ajmri-6067	226	18	views	view	VERB
ajmri-6067	226	19	buttresses	buttress	VERB
ajmri-6067	226	20	this	this	DET
ajmri-6067	226	21	notion	notion	NOUN
ajmri-6067	226	22	.	.	PUNCT
ajmri-6067	227	1	refer	refer	VERB
ajmri-6067	227	2	to	to	ADP
ajmri-6067	227	3	the	the	DET
ajmri-6067	227	4	information	information	NOUN
ajmri-6067	227	5	bellow	bellow	ADJ
ajmri-6067	227	6	:	:	PUNCT
ajmri-6067	227	7	“	"	PUNCT
ajmri-6067	227	8	i	i	PRON
ajmri-6067	227	9	agree	agree	VERB
ajmri-6067	227	10	with	with	ADP
ajmri-6067	227	11	the	the	DET
ajmri-6067	227	12	use	use	NOUN
ajmri-6067	227	13	of	of	ADP
ajmri-6067	227	14	innovation	innovation	NOUN
ajmri-6067	227	15	as	as	ADP
ajmri-6067	227	16	a	a	DET
ajmri-6067	227	17	means	means	NOUN
ajmri-6067	227	18	to	to	PART
ajmri-6067	227	19	ensure	ensure	VERB
ajmri-6067	227	20	business	business	NOUN
ajmri-6067	227	21	sustainability	sustainability	NOUN
ajmri-6067	227	22	because	because	SCONJ
ajmri-6067	227	23	innovation	innovation	NOUN
ajmri-6067	227	24	is	be	AUX
ajmri-6067	227	25	what	what	PRON
ajmri-6067	227	26	keeps	keep	VERB
ajmri-6067	227	27	your	your	PRON
ajmri-6067	227	28	business	business	NOUN
ajmri-6067	227	29	up	up	ADP
ajmri-6067	227	30	to	to	ADP
ajmri-6067	227	31	date	date	NOUN
ajmri-6067	227	32	with	with	ADP
ajmri-6067	227	33	all	all	DET
ajmri-6067	227	34	the	the	DET
ajmri-6067	227	35	information	information	NOUN
ajmri-6067	227	36	,	,	PUNCT
ajmri-6067	227	37	resources	resource	NOUN
ajmri-6067	227	38	,	,	PUNCT
ajmri-6067	227	39	current	current	ADJ
ajmri-6067	227	40	practices	practice	NOUN
ajmri-6067	227	41	and	and	CCONJ
ajmri-6067	227	42	procedures	procedure	NOUN
ajmri-6067	227	43	that	that	PRON
ajmri-6067	227	44	you	you	PRON
ajmri-6067	227	45	need	need	VERB
ajmri-6067	227	46	to	to	PART
ajmri-6067	227	47	meet	meet	VERB
ajmri-6067	227	48	the	the	DET
ajmri-6067	227	49	current	current	ADJ
ajmri-6067	227	50	needs	need	NOUN
ajmri-6067	227	51	of	of	ADP
ajmri-6067	227	52	your	your	PRON
ajmri-6067	227	53	customers	customer	NOUN
ajmri-6067	227	54	.	.	PUNCT
ajmri-6067	228	1	and	and	CCONJ
ajmri-6067	228	2	being	be	AUX
ajmri-6067	228	3	able	able	ADJ
ajmri-6067	228	4	to	to	PART
ajmri-6067	228	5	satisfy	satisfy	VERB
ajmri-6067	228	6	the	the	DET
ajmri-6067	228	7	current	current	ADJ
ajmri-6067	228	8	needs	need	NOUN
ajmri-6067	228	9	of	of	ADP
ajmri-6067	228	10	your	your	PRON
ajmri-6067	228	11	customers	customer	NOUN
ajmri-6067	228	12	will	will	AUX
ajmri-6067	228	13	ensure	ensure	VERB
ajmri-6067	228	14	the	the	DET
ajmri-6067	228	15	success	success	NOUN
ajmri-6067	228	16	and	and	CCONJ
ajmri-6067	228	17	continuity	continuity	NOUN
ajmri-6067	228	18	of	of	ADP
ajmri-6067	228	19	the	the	DET
ajmri-6067	228	20	business	business	NOUN
ajmri-6067	228	21	”	"	PUNCT
ajmri-6067	228	22	.	.	PUNCT
ajmri-6067	229	1	this	this	DET
ajmri-6067	229	2	finding	finding	NOUN
ajmri-6067	229	3	is	be	AUX
ajmri-6067	229	4	in	in	ADP
ajmri-6067	229	5	correlation	correlation	NOUN
ajmri-6067	229	6	with	with	ADP
ajmri-6067	229	7	the	the	DET
ajmri-6067	229	8	position	position	NOUN
ajmri-6067	229	9	of	of	ADP
ajmri-6067	229	10	reguia	reguia	NOUN
ajmri-6067	229	11	(	(	PUNCT
ajmri-6067	229	12	2006	2006	NUM
ajmri-6067	229	13	)	)	PUNCT
ajmri-6067	229	14	,	,	PUNCT
ajmri-6067	229	15	whose	whose	DET
ajmri-6067	229	16	work	work	NOUN
ajmri-6067	229	17	has	have	AUX
ajmri-6067	229	18	been	be	AUX
ajmri-6067	229	19	on	on	ADP
ajmri-6067	229	20	“	"	PUNCT
ajmri-6067	229	21	product	product	NOUN
ajmri-6067	229	22	innovation	innovation	NOUN
ajmri-6067	229	23	and	and	CCONJ
ajmri-6067	229	24	the	the	DET
ajmri-6067	229	25	competitive	competitive	ADJ
ajmri-6067	229	26	advantage	advantage	NOUN
ajmri-6067	229	27	”	"	PUNCT
ajmri-6067	229	28	.	.	PUNCT
ajmri-6067	230	1	he	he	PRON
ajmri-6067	230	2	argues	argue	VERB
ajmri-6067	230	3	that	that	SCONJ
ajmri-6067	230	4	innovation	innovation	NOUN
ajmri-6067	230	5	is	be	AUX
ajmri-6067	230	6	one	one	NUM
ajmri-6067	230	7	of	of	ADP
ajmri-6067	230	8	the	the	DET
ajmri-6067	230	9	success	success	NOUN
ajmri-6067	230	10	features	feature	VERB
ajmri-6067	230	11	in	in	ADP
ajmri-6067	230	12	the	the	DET
ajmri-6067	230	13	economic	economic	ADJ
ajmri-6067	230	14	companies	company	NOUN
ajmri-6067	230	15	,	,	PUNCT
ajmri-6067	230	16	and	and	CCONJ
ajmri-6067	230	17	according	accord	VERB
ajmri-6067	230	18	to	to	ADP
ajmri-6067	230	19	the	the	DET
ajmri-6067	230	20	researcher	researcher	NOUN
ajmri-6067	230	21	,	,	PUNCT
ajmri-6067	230	22	it	it	PRON
ajmri-6067	230	23	should	should	AUX
ajmri-6067	230	24	be	be	AUX
ajmri-6067	230	25	considered	consider	VERB
ajmri-6067	230	26	as	as	ADP
ajmri-6067	230	27	the	the	DET
ajmri-6067	230	28	key	key	ADJ
ajmri-6067	230	29	element	element	NOUN
ajmri-6067	230	30	to	to	PART
ajmri-6067	230	31	reach	reach	VERB
ajmri-6067	230	32	customer	customer	NOUN
ajmri-6067	230	33	satisfaction	satisfaction	NOUN
ajmri-6067	230	34	and	and	CCONJ
ajmri-6067	230	35	also	also	ADV
ajmri-6067	230	36	realize	realize	VERB
ajmri-6067	230	37	their	their	PRON
ajmri-6067	230	38	desires	desire	NOUN
ajmri-6067	230	39	.	.	PUNCT
ajmri-6067	231	1	reguia	reguia	NOUN
ajmri-6067	231	2	(	(	PUNCT
ajmri-6067	231	3	2006	2006	NUM
ajmri-6067	231	4	)	)	PUNCT
ajmri-6067	231	5	has	have	VERB
ajmri-6067	231	6	the	the	DET
ajmri-6067	231	7	view	view	NOUN
ajmri-6067	231	8	that	that	SCONJ
ajmri-6067	231	9	innovation	innovation	NOUN
ajmri-6067	231	10	as	as	ADP
ajmri-6067	231	11	a	a	DET
ajmri-6067	231	12	new	new	ADJ
ajmri-6067	231	13	idea	idea	NOUN
ajmri-6067	231	14	is	be	AUX
ajmri-6067	231	15	implemented	implement	VERB
ajmri-6067	231	16	to	to	PART
ajmri-6067	231	17	realize	realize	VERB
ajmri-6067	231	18	the	the	DET
ajmri-6067	231	19	competitive	competitive	ADJ
ajmri-6067	231	20	advantage	advantage	NOUN
ajmri-6067	231	21	in	in	ADP
ajmri-6067	231	22	organizations	organization	NOUN
ajmri-6067	231	23	at	at	ADP
ajmri-6067	231	24	the	the	DET
ajmri-6067	231	25	time	time	NOUN
ajmri-6067	231	26	when	when	SCONJ
ajmri-6067	231	27	they	they	PRON
ajmri-6067	231	28	have	have	AUX
ajmri-6067	231	29	had	have	VERB
ajmri-6067	231	30	similar	similar	ADJ
ajmri-6067	231	31	opportunities	opportunity	NOUN
ajmri-6067	231	32	to	to	PART
ajmri-6067	231	33	present	present	VERB
ajmri-6067	231	34	their	their	PRON
ajmri-6067	231	35	products	product	NOUN
ajmri-6067	231	36	with	with	ADP
ajmri-6067	231	37	low	low	ADJ
ajmri-6067	231	38	costs	cost	NOUN
ajmri-6067	231	39	,	,	PUNCT
ajmri-6067	231	40	highlighting	highlight	VERB
ajmri-6067	231	41	strongly	strongly	ADV
ajmri-6067	231	42	that	that	SCONJ
ajmri-6067	231	43	using	use	VERB
ajmri-6067	231	44	innovation	innovation	NOUN
ajmri-6067	231	45	,	,	PUNCT
ajmri-6067	231	46	organizations	organization	NOUN
ajmri-6067	231	47	should	should	AUX
ajmri-6067	231	48	try	try	VERB
ajmri-6067	231	49	to	to	PART
ajmri-6067	231	50	focus	focus	VERB
ajmri-6067	231	51	on	on	ADP
ajmri-6067	231	52	products	product	NOUN
ajmri-6067	231	53	,	,	PUNCT
ajmri-6067	231	54	types	type	NOUN
ajmri-6067	231	55	,	,	PUNCT
ajmri-6067	231	56	stages	stage	NOUN
ajmri-6067	231	57	and	and	CCONJ
ajmri-6067	231	58	features	feature	NOUN
ajmri-6067	231	59	and	and	CCONJ
ajmri-6067	231	60	also	also	ADV
ajmri-6067	231	61	pay	pay	VERB
ajmri-6067	231	62	more	more	ADJ
ajmri-6067	231	63	attention	attention	NOUN
ajmri-6067	231	64	on	on	ADP
ajmri-6067	231	65	the	the	DET
ajmri-6067	231	66	role	role	NOUN
ajmri-6067	231	67	it	it	PRON
ajmri-6067	231	68	plays	play	VERB
ajmri-6067	231	69	in	in	ADP
ajmri-6067	231	70	realizing	realize	VERB
ajmri-6067	231	71	competitive	competitive	ADJ
ajmri-6067	231	72	advantage	advantage	NOUN
ajmri-6067	231	73	.	.	PUNCT
ajmri-6067	232	1	some	some	DET
ajmri-6067	232	2	innovations	innovation	NOUN
ajmri-6067	232	3	require	require	VERB
ajmri-6067	232	4	the	the	DET
ajmri-6067	232	5	use	use	NOUN
ajmri-6067	232	6	of	of	ADP
ajmri-6067	232	7	modern	modern	ADJ
ajmri-6067	232	8	technology	technology	NOUN
ajmri-6067	232	9	and	and	CCONJ
ajmri-6067	232	10	research	research	NOUN
ajmri-6067	232	11	materials	material	NOUN
ajmri-6067	232	12	for	for	ADP
ajmri-6067	232	13	improvement	improvement	NOUN
ajmri-6067	232	14	of	of	ADP
ajmri-6067	232	15	visibility	visibility	NOUN
ajmri-6067	232	16	of	of	ADP
ajmri-6067	232	17	an	an	DET
ajmri-6067	232	18	organization	organization	NOUN
ajmri-6067	232	19	that	that	PRON
ajmri-6067	232	20	could	could	AUX
ajmri-6067	232	21	enhance	enhance	VERB
ajmri-6067	232	22	customer	customer	NOUN
ajmri-6067	232	23	relation	relation	NOUN
ajmri-6067	232	24	and	and	CCONJ
ajmri-6067	232	25	improve	improve	VERB
ajmri-6067	232	26	customer	customer	NOUN
ajmri-6067	232	27	trust	trust	NOUN
ajmri-6067	232	28	.	.	PUNCT
ajmri-6067	233	1	for	for	ADP
ajmri-6067	233	2	instance	instance	NOUN
ajmri-6067	233	3	,	,	PUNCT
ajmri-6067	233	4	product	product	NOUN
ajmri-6067	233	5	innovation	innovation	NOUN
ajmri-6067	233	6	knowledge	knowledge	NOUN
ajmri-6067	233	7	especially	especially	ADV
ajmri-6067	233	8	using	use	VERB
ajmri-6067	233	9	technology	technology	NOUN
ajmri-6067	233	10	for	for	ADP
ajmri-6067	233	11	banking	banking	NOUN
ajmri-6067	233	12	products	product	NOUN
ajmri-6067	233	13	such	such	ADJ
ajmri-6067	233	14	as	as	ADP
ajmri-6067	233	15	saving	saving	NOUN
ajmri-6067	233	16	and	and	CCONJ
ajmri-6067	233	17	withdrawal	withdrawal	NOUN
ajmri-6067	233	18	would	would	AUX
ajmri-6067	233	19	help	help	VERB
ajmri-6067	233	20	financial	financial	ADJ
ajmri-6067	233	21	institutions	institution	NOUN
ajmri-6067	233	22	to	to	PART
ajmri-6067	233	23	meet	meet	VERB
ajmri-6067	233	24	customers	customer	NOUN
ajmri-6067	233	25	and	and	CCONJ
ajmri-6067	233	26	client	client	NOUN
ajmri-6067	233	27	speed	speed	NOUN
ajmri-6067	233	28	needs	need	NOUN
ajmri-6067	233	29	.	.	PUNCT
ajmri-6067	234	1	with	with	ADP
ajmri-6067	234	2	the	the	DET
ajmri-6067	234	3	use	use	NOUN
ajmri-6067	234	4	of	of	ADP
ajmri-6067	234	5	technology	technology	NOUN
ajmri-6067	234	6	to	to	PART
ajmri-6067	234	7	enhance	enhance	VERB
ajmri-6067	234	8	performance	performance	NOUN
ajmri-6067	234	9	,	,	PUNCT
ajmri-6067	234	10	reguia	reguia	NOUN
ajmri-6067	234	11	(	(	PUNCT
ajmri-6067	234	12	2006	2006	NUM
ajmri-6067	234	13	)	)	PUNCT
ajmri-6067	234	14	,	,	PUNCT
ajmri-6067	234	15	advocates	advocate	VERB
ajmri-6067	234	16	for	for	ADP
ajmri-6067	234	17	the	the	DET
ajmri-6067	234	18	inclusion	inclusion	NOUN
ajmri-6067	234	19	of	of	ADP
ajmri-6067	234	20	changes	change	NOUN
ajmri-6067	234	21	towards	towards	ADP
ajmri-6067	234	22	the	the	DET
ajmri-6067	234	23	use	use	NOUN
ajmri-6067	234	24	of	of	ADP
ajmri-6067	234	25	technology	technology	NOUN
ajmri-6067	234	26	such	such	ADJ
ajmri-6067	234	27	as	as	ADP
ajmri-6067	234	28	equipment	equipment	NOUN
ajmri-6067	234	29	and/or	and/or	CCONJ
ajmri-6067	234	30	software	software	NOUN
ajmri-6067	234	31	in	in	ADP
ajmri-6067	234	32	the	the	DET
ajmri-6067	234	33	modern	modern	ADJ
ajmri-6067	234	34	business	business	NOUN
ajmri-6067	234	35	operation	operation	NOUN
ajmri-6067	234	36	;	;	PUNCT
ajmri-6067	234	37	reiterating	reiterate	VERB
ajmri-6067	234	38	that	that	SCONJ
ajmri-6067	234	39	world	world	NOUN
ajmri-6067	234	40	economic	economic	ADJ
ajmri-6067	234	41	environment	environment	NOUN
ajmri-6067	234	42	is	be	AUX
ajmri-6067	234	43	characterized	characterize	VERB
ajmri-6067	234	44	by	by	ADP
ajmri-6067	234	45	rapid	rapid	ADJ
ajmri-6067	234	46	changes	change	NOUN
ajmri-6067	234	47	in	in	ADP
ajmri-6067	234	48	all	all	DET
ajmri-6067	234	49	frameworks	framework	NOUN
ajmri-6067	234	50	,	,	PUNCT
ajmri-6067	234	51	especially	especially	ADV
ajmri-6067	234	52	the	the	DET
ajmri-6067	234	53	technological	technological	ADJ
ajmri-6067	234	54	sides	side	NOUN
ajmri-6067	234	55	which	which	PRON
ajmri-6067	234	56	become	become	VERB
ajmri-6067	234	57	the	the	DET
ajmri-6067	234	58	most	most	ADV
ajmri-6067	234	59	important	important	ADJ
ajmri-6067	234	60	discussion	discussion	NOUN
ajmri-6067	234	61	that	that	PRON
ajmri-6067	234	62	affects	affect	VERB
ajmri-6067	234	63	the	the	DET
ajmri-6067	234	64	economy	economy	NOUN
ajmri-6067	234	65	of	of	ADP
ajmri-6067	234	66	every	every	DET
ajmri-6067	234	67	organization	organization	NOUN
ajmri-6067	234	68	.	.	PUNCT
ajmri-6067	235	1	it	it	PRON
ajmri-6067	235	2	is	be	AUX
ajmri-6067	235	3	believed	believe	VERB
ajmri-6067	235	4	that	that	SCONJ
ajmri-6067	235	5	such	such	ADJ
ajmri-6067	235	6	direction	direction	NOUN
ajmri-6067	235	7	will	will	AUX
ajmri-6067	235	8	enhance	enhance	VERB
ajmri-6067	235	9	company	company	NOUN
ajmri-6067	235	10	’s	’s	PART
ajmri-6067	235	11	efforts	effort	NOUN
ajmri-6067	235	12	to	to	PART
ajmri-6067	235	13	position	position	VERB
ajmri-6067	235	14	itself	itself	PRON
ajmri-6067	235	15	to	to	PART
ajmri-6067	235	16	maintain	maintain	VERB
ajmri-6067	235	17	market	market	NOUN
ajmri-6067	235	18	segment	segment	NOUN
ajmri-6067	235	19	,	,	PUNCT
ajmri-6067	235	20	and	and	CCONJ
ajmri-6067	235	21	to	to	PART
ajmri-6067	235	22	face	face	VERB
ajmri-6067	235	23	the	the	DET
ajmri-6067	235	24	aggressive	aggressive	ADJ
ajmri-6067	235	25	competition	competition	NOUN
ajmri-6067	235	26	in	in	ADP
ajmri-6067	235	27	an	an	DET
ajmri-6067	235	28	open	open	ADJ
ajmri-6067	235	29	market	market	NOUN
ajmri-6067	235	30	.	.	PUNCT
ajmri-6067	236	1	regunia	regunia	PROPN
ajmri-6067	236	2	’s	’s	PART
ajmri-6067	236	3	position	position	NOUN
ajmri-6067	236	4	was	be	AUX
ajmri-6067	236	5	buttressed	buttress	VERB
ajmri-6067	236	6	by	by	ADP
ajmri-6067	236	7	a	a	DET
ajmri-6067	236	8	respondent	respondent	NOUN
ajmri-6067	236	9	in	in	ADP
ajmri-6067	236	10	the	the	DET
ajmri-6067	236	11	qualitative	qualitative	ADJ
ajmri-6067	236	12	research	research	NOUN
ajmri-6067	236	13	instrument	instrument	NOUN
ajmri-6067	236	14	who	who	PRON
ajmri-6067	236	15	states	state	VERB
ajmri-6067	236	16	:	:	PUNCT
ajmri-6067	236	17	“	"	PUNCT
ajmri-6067	236	18	the	the	DET
ajmri-6067	236	19	use	use	NOUN
ajmri-6067	236	20	of	of	ADP
ajmri-6067	236	21	innovation	innovation	NOUN
ajmri-6067	236	22	ensures	ensure	VERB
ajmri-6067	236	23	business	business	NOUN
ajmri-6067	236	24	sustainability	sustainability	NOUN
ajmri-6067	236	25	through	through	ADP
ajmri-6067	236	26	digitization	digitization	NOUN
ajmri-6067	236	27	.	.	PUNCT
ajmri-6067	237	1	this	this	PRON
ajmri-6067	237	2	is	be	AUX
ajmri-6067	237	3	because	because	SCONJ
ajmri-6067	237	4	we	we	PRON
ajmri-6067	237	5	are	be	AUX
ajmri-6067	237	6	in	in	ADP
ajmri-6067	237	7	a	a	DET
ajmri-6067	237	8	technological	technological	ADJ
ajmri-6067	237	9	era	era	NOUN
ajmri-6067	237	10	where	where	SCONJ
ajmri-6067	237	11	there	there	PRON
ajmri-6067	237	12	is	be	VERB
ajmri-6067	237	13	a	a	DET
ajmri-6067	237	14	rampant	rampant	ADJ
ajmri-6067	237	15	change	change	NOUN
ajmri-6067	237	16	in	in	ADP
ajmri-6067	237	17	the	the	DET
ajmri-6067	237	18	way	way	NOUN
ajmri-6067	237	19	things	thing	NOUN
ajmri-6067	237	20	are	be	AUX
ajmri-6067	237	21	done	do	VERB
ajmri-6067	237	22	.	.	PUNCT
ajmri-6067	238	1	being	be	AUX
ajmri-6067	238	2	in	in	ADP
ajmri-6067	238	3	a	a	DET
ajmri-6067	238	4	competitive	competitive	ADJ
ajmri-6067	238	5	environment	environment	NOUN
ajmri-6067	238	6	and	and	CCONJ
ajmri-6067	238	7	staying	stay	VERB
ajmri-6067	238	8	in	in	ADP
ajmri-6067	238	9	business	business	NOUN
ajmri-6067	238	10	requires	require	VERB
ajmri-6067	238	11	the	the	DET
ajmri-6067	238	12	adoption	adoption	NOUN
ajmri-6067	238	13	of	of	ADP
ajmri-6067	238	14	an	an	DET
ajmri-6067	238	15	innovativeness	innovativeness	NOUN
ajmri-6067	238	16	,	,	PUNCT
ajmri-6067	238	17	a	a	DET
ajmri-6067	238	18	mind	mind	NOUN
ajmri-6067	238	19	-	-	PUNCT
ajmri-6067	238	20	set	set	NOUN
ajmri-6067	238	21	that	that	PRON
ajmri-6067	238	22	suits	suit	VERB
ajmri-6067	238	23	the	the	DET
ajmri-6067	238	24	times	time	NOUN
ajmri-6067	238	25	”	"	PUNCT
ajmri-6067	238	26	.	.	PUNCT
ajmri-6067	239	1	another	another	DET
ajmri-6067	239	2	respondent	respondent	NOUN
ajmri-6067	239	3	also	also	ADV
ajmri-6067	239	4	shared	share	VERB
ajmri-6067	239	5	the	the	DET
ajmri-6067	239	6	view	view	NOUN
ajmri-6067	239	7	that	that	SCONJ
ajmri-6067	239	8	“	"	PUNCT
ajmri-6067	239	9	use	use	NOUN
ajmri-6067	239	10	of	of	ADP
ajmri-6067	239	11	innovation	innovation	NOUN
ajmri-6067	239	12	ensures	ensure	VERB
ajmri-6067	239	13	speed	speed	NOUN
ajmri-6067	239	14	and	and	CCONJ
ajmri-6067	239	15	cost	cost	NOUN
ajmri-6067	239	16	reduction	reduction	NOUN
ajmri-6067	239	17	as	as	SCONJ
ajmri-6067	239	18	it	it	PRON
ajmri-6067	239	19	is	be	AUX
ajmri-6067	239	20	clear	clear	ADJ
ajmri-6067	239	21	that	that	SCONJ
ajmri-6067	239	22	automation	automation	NOUN
ajmri-6067	239	23	work	work	NOUN
ajmri-6067	239	24	takes	take	VERB
ajmri-6067	239	25	few	few	ADJ
ajmri-6067	239	26	times	time	NOUN
ajmri-6067	239	27	than	than	ADP
ajmri-6067	239	28	manual	manual	NOUN
ajmri-6067	239	29	.	.	PUNCT
ajmri-6067	240	1	it	it	PRON
ajmri-6067	240	2	is	be	AUX
ajmri-6067	240	3	therefore	therefore	ADV
ajmri-6067	240	4	clear	clear	ADJ
ajmri-6067	240	5	that	that	SCONJ
ajmri-6067	240	6	,	,	PUNCT
ajmri-6067	240	7	integrating	integrate	VERB
ajmri-6067	240	8	innovation	innovation	NOUN
ajmri-6067	240	9	with	with	ADP
ajmri-6067	240	10	technology	technology	NOUN
ajmri-6067	240	11	could	could	AUX
ajmri-6067	240	12	go	go	VERB
ajmri-6067	240	13	a	a	DET
ajmri-6067	240	14	long	long	ADJ
ajmri-6067	240	15	way	way	NOUN
ajmri-6067	240	16	to	to	PART
ajmri-6067	240	17	enhance	enhance	VERB
ajmri-6067	240	18	performance	performance	NOUN
ajmri-6067	240	19	in	in	ADP
ajmri-6067	240	20	financial	financial	ADJ
ajmri-6067	240	21	institutions	institution	NOUN
ajmri-6067	240	22	if	if	SCONJ
ajmri-6067	240	23	business	business	NOUN
ajmri-6067	240	24	managers	manager	NOUN
ajmri-6067	240	25	pay	pay	VERB
ajmri-6067	240	26	much	much	ADJ
ajmri-6067	240	27	attention	attention	NOUN
ajmri-6067	240	28	to	to	ADP
ajmri-6067	240	29	it	it	PRON
ajmri-6067	240	30	.	.	PUNCT
ajmri-6067	241	1	effects	effect	NOUN
ajmri-6067	241	2	of	of	ADP
ajmri-6067	241	3	innovation	innovation	NOUN
ajmri-6067	241	4	on	on	ADP
ajmri-6067	241	5	banking	banking	NOUN
ajmri-6067	241	6	sectors	sector	NOUN
ajmri-6067	241	7	in	in	ADP
ajmri-6067	241	8	ghana	ghana	PROPN
ajmri-6067	241	9	this	this	DET
ajmri-6067	241	10	objective	objective	NOUN
ajmri-6067	241	11	seeks	seek	VERB
ajmri-6067	241	12	to	to	PART
ajmri-6067	241	13	examine	examine	VERB
ajmri-6067	241	14	the	the	DET
ajmri-6067	241	15	level	level	NOUN
ajmri-6067	241	16	of	of	ADP
ajmri-6067	241	17	innovation	innovation	NOUN
ajmri-6067	241	18	effects	effect	NOUN
ajmri-6067	241	19	on	on	ADP
ajmri-6067	241	20	the	the	DET
ajmri-6067	241	21	banking	banking	NOUN
ajmri-6067	241	22	sector	sector	NOUN
ajmri-6067	241	23	in	in	ADP
ajmri-6067	241	24	ghana	ghana	PROPN
ajmri-6067	241	25	,	,	PUNCT
ajmri-6067	241	26	using	use	VERB
ajmri-6067	241	27	the	the	DET
ajmri-6067	241	28	research	research	NOUN
ajmri-6067	241	29	question	question	NOUN
ajmri-6067	241	30	“	"	PUNCT
ajmri-6067	241	31	what	what	PRON
ajmri-6067	241	32	is	be	AUX
ajmri-6067	241	33	the	the	DET
ajmri-6067	241	34	level	level	NOUN
ajmri-6067	241	35	of	of	ADP
ajmri-6067	241	36	innovation	innovation	NOUN
ajmri-6067	241	37	effect	effect	NOUN
ajmri-6067	241	38	on	on	ADP
ajmri-6067	241	39	the	the	DET
ajmri-6067	241	40	financial	financial	ADJ
ajmri-6067	241	41	sector	sector	NOUN
ajmri-6067	241	42	in	in	ADP
ajmri-6067	241	43	ghana	ghana	PROPN
ajmri-6067	241	44	?	?	PUNCT
ajmri-6067	242	1	data	datum	NOUN
ajmri-6067	242	2	gathered	gather	VERB
ajmri-6067	242	3	from	from	ADP
ajmri-6067	242	4	the	the	DET
ajmri-6067	242	5	qualitative	qualitative	ADJ
ajmri-6067	242	6	survey	survey	NOUN
ajmri-6067	242	7	instrument	instrument	NOUN
ajmri-6067	242	8	administered	administer	VERB
ajmri-6067	242	9	has	have	AUX
ajmri-6067	242	10	been	be	AUX
ajmri-6067	242	11	relevant	relevant	ADJ
ajmri-6067	242	12	enough	enough	ADV
ajmri-6067	242	13	to	to	PART
ajmri-6067	242	14	translate	translate	VERB
ajmri-6067	242	15	the	the	DET
ajmri-6067	242	16	objective	objective	NOUN
ajmri-6067	242	17	for	for	ADP
ajmri-6067	242	18	the	the	DET
ajmri-6067	242	19	study	study	NOUN
ajmri-6067	242	20	:	:	PUNCT
ajmri-6067	242	21	•	•	NUM
ajmri-6067	242	22	“	"	PUNCT
ajmri-6067	242	23	innovation	innovation	NOUN
ajmri-6067	242	24	has	have	AUX
ajmri-6067	242	25	led	lead	VERB
ajmri-6067	242	26	to	to	ADP
ajmri-6067	242	27	the	the	DET
ajmri-6067	242	28	financial	financial	ADJ
ajmri-6067	242	29	industry	industry	NOUN
ajmri-6067	242	30	developing	develop	VERB
ajmri-6067	242	31	new	new	ADJ
ajmri-6067	242	32	products	product	NOUN
ajmri-6067	242	33	and	and	CCONJ
ajmri-6067	242	34	also	also	ADV
ajmri-6067	242	35	improved	improve	VERB
ajmri-6067	242	36	payment	payment	NOUN
ajmri-6067	242	37	systems	system	NOUN
ajmri-6067	242	38	which	which	PRON
ajmri-6067	242	39	has	have	AUX
ajmri-6067	242	40	led	lead	VERB
ajmri-6067	242	41	to	to	ADP
ajmri-6067	242	42	improved	improve	VERB
ajmri-6067	242	43	customer	customer	NOUN
ajmri-6067	242	44	experience	experience	NOUN
ajmri-6067	242	45	”	"	PUNCT
ajmri-6067	242	46	•	•	NOUN
ajmri-6067	242	47	“	"	PUNCT
ajmri-6067	242	48	in	in	ADP
ajmri-6067	242	49	recent	recent	ADJ
ajmri-6067	242	50	years	year	NOUN
ajmri-6067	242	51	the	the	DET
ajmri-6067	242	52	effect	effect	NOUN
ajmri-6067	242	53	of	of	ADP
ajmri-6067	242	54	innovation	innovation	NOUN
ajmri-6067	242	55	on	on	ADP
ajmri-6067	242	56	the	the	DET
ajmri-6067	242	57	financial	financial	ADJ
ajmri-6067	242	58	sector	sector	NOUN
ajmri-6067	242	59	in	in	ADP
ajmri-6067	242	60	ghana	ghana	PROPN
ajmri-6067	242	61	has	have	AUX
ajmri-6067	242	62	been	be	AUX
ajmri-6067	242	63	very	very	ADV
ajmri-6067	242	64	great	great	ADJ
ajmri-6067	242	65	.	.	PUNCT
ajmri-6067	243	1	it	it	PRON
ajmri-6067	243	2	is	be	AUX
ajmri-6067	243	3	rated	rate	VERB
ajmri-6067	243	4	very	very	ADV
ajmri-6067	243	5	high	high	ADJ
ajmri-6067	243	6	”	"	PUNCT
ajmri-6067	243	7	.	.	PUNCT
ajmri-6067	244	1	this	this	PRON
ajmri-6067	244	2	agrees	agree	VERB
ajmri-6067	244	3	with	with	ADP
ajmri-6067	244	4	the	the	DET
ajmri-6067	244	5	position	position	NOUN
ajmri-6067	244	6	of	of	ADP
ajmri-6067	244	7	lin	lin	PROPN
ajmri-6067	244	8	et	et	PROPN
ajmri-6067	244	9	al	al	PROPN
ajmri-6067	244	10	.	.	PROPN
ajmri-6067	245	1	(	(	PUNCT
ajmri-6067	245	2	2018	2018	NUM
ajmri-6067	245	3	)	)	PUNCT
ajmri-6067	245	4	,	,	PUNCT
ajmri-6067	245	5	who	who	PRON
ajmri-6067	245	6	tackled	tackle	VERB
ajmri-6067	245	7	the	the	DET
ajmri-6067	245	8	topic	topic	NOUN
ajmri-6067	245	9	on	on	ADP
ajmri-6067	245	10	“	"	PUNCT
ajmri-6067	245	11	banking	banking	NOUN
ajmri-6067	245	12	and	and	CCONJ
ajmri-6067	245	13	innovation	innovation	NOUN
ajmri-6067	245	14	:	:	PUNCT
ajmri-6067	245	15	a	a	DET
ajmri-6067	245	16	review	review	NOUN
ajmri-6067	245	17	”	"	PUNCT
ajmri-6067	245	18	.	.	PUNCT
ajmri-6067	246	1	the	the	DET
ajmri-6067	246	2	researcher	researcher	NOUN
ajmri-6067	246	3	gives	give	VERB
ajmri-6067	246	4	a	a	DET
ajmri-6067	246	5	strong	strong	ADJ
ajmri-6067	246	6	argument	argument	NOUN
ajmri-6067	246	7	that	that	SCONJ
ajmri-6067	246	8	there	there	PRON
ajmri-6067	246	9	should	should	AUX
ajmri-6067	246	10	be	be	AUX
ajmri-6067	246	11	a	a	DET
ajmri-6067	246	12	strong	strong	ADJ
ajmri-6067	246	13	relationship	relationship	NOUN
ajmri-6067	246	14	between	between	ADP
ajmri-6067	246	15	banking	banking	NOUN
ajmri-6067	246	16	development	development	NOUN
ajmri-6067	246	17	and	and	CCONJ
ajmri-6067	246	18	innovation	innovation	NOUN
ajmri-6067	246	19	in	in	ADP
ajmri-6067	246	20	order	order	NOUN
ajmri-6067	246	21	to	to	PART
ajmri-6067	246	22	experience	experience	VERB
ajmri-6067	246	23	some	some	DET
ajmri-6067	246	24	level	level	NOUN
ajmri-6067	246	25	of	of	ADP
ajmri-6067	246	26	effects	effect	NOUN
ajmri-6067	246	27	which	which	PRON
ajmri-6067	246	28	requires	require	VERB
ajmri-6067	246	29	extension	extension	NOUN
ajmri-6067	246	30	of	of	ADP
ajmri-6067	246	31	the	the	DET
ajmri-6067	246	32	scope	scope	NOUN
ajmri-6067	246	33	of	of	ADP
ajmri-6067	246	34	analysis	analysis	NOUN
ajmri-6067	246	35	to	to	ADP
ajmri-6067	246	36	more	more	ADV
ajmri-6067	246	37	rough	rough	ADJ
ajmri-6067	246	38	dimensions	dimension	NOUN
ajmri-6067	246	39	of	of	ADP
ajmri-6067	246	40	innovation	innovation	NOUN
ajmri-6067	246	41	and	and	CCONJ
ajmri-6067	246	42	how	how	SCONJ
ajmri-6067	246	43	to	to	PART
ajmri-6067	246	44	support	support	VERB
ajmri-6067	246	45	the	the	DET
ajmri-6067	246	46	asian	asian	ADJ
ajmri-6067	246	47	economies	economy	NOUN
ajmri-6067	246	48	which	which	PRON
ajmri-6067	246	49	are	be	AUX
ajmri-6067	246	50	believed	believe	VERB
ajmri-6067	246	51	to	to	PART
ajmri-6067	246	52	have	have	VERB
ajmri-6067	246	53	the	the	DET
ajmri-6067	246	54	financial	financial	ADJ
ajmri-6067	246	55	market	market	NOUN
ajmri-6067	246	56	known	know	VERB
ajmri-6067	246	57	to	to	PART
ajmri-6067	246	58	be	be	AUX
ajmri-6067	246	59	less	less	ADV
ajmri-6067	246	60	developed	developed	ADJ
ajmri-6067	246	61	.	.	PUNCT
ajmri-6067	247	1	the	the	DET
ajmri-6067	247	2	researcher	researcher	NOUN
ajmri-6067	247	3	further	far	ADV
ajmri-6067	247	4	argues	argue	VERB
ajmri-6067	247	5	that	that	SCONJ
ajmri-6067	247	6	when	when	SCONJ
ajmri-6067	247	7	the	the	DET
ajmri-6067	247	8	stock	stock	NOUN
ajmri-6067	247	9	market	market	NOUN
ajmri-6067	247	10	pa	pa	PROPN
ajmri-6067	247	11	ge	ge	PROPN
ajmri-6067	247	12	55	55	NUM
ajmri-6067	247	13	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	247	14	am	am	NOUN
ajmri-6067	247	15	.	.	PUNCT
ajmri-6067	248	1	j.	j.	PROPN
ajmri-6067	248	2	multidis	multidis	PROPN
ajmri-6067	248	3	.	.	PUNCT
ajmri-6067	249	1	res	re	NOUN
ajmri-6067	249	2	.	.	PUNCT
ajmri-6067	250	1	innov	innov	PROPN
ajmri-6067	250	2	.	.	PUNCT
ajmri-6067	251	1	4(6	4(6	NUM
ajmri-6067	251	2	)	)	PUNCT
ajmri-6067	251	3	48	48	NUM
ajmri-6067	251	4	-	-	SYM
ajmri-6067	251	5	57	57	NUM
ajmri-6067	251	6	,	,	PUNCT
ajmri-6067	251	7	2025	2025	NUM
ajmri-6067	251	8	is	be	AUX
ajmri-6067	251	9	relatively	relatively	ADV
ajmri-6067	251	10	less	less	ADV
ajmri-6067	251	11	developed	develop	VERB
ajmri-6067	251	12	,	,	PUNCT
ajmri-6067	251	13	as	as	ADP
ajmri-6067	251	14	in	in	ADP
ajmri-6067	251	15	most	most	ADJ
ajmri-6067	251	16	asian	asian	ADJ
ajmri-6067	251	17	economies	economy	NOUN
ajmri-6067	251	18	,	,	PUNCT
ajmri-6067	251	19	banks	bank	NOUN
ajmri-6067	251	20	play	play	VERB
ajmri-6067	251	21	a	a	DET
ajmri-6067	251	22	significant	significant	ADJ
ajmri-6067	251	23	role	role	NOUN
ajmri-6067	251	24	in	in	ADP
ajmri-6067	251	25	financing	financing	NOUN
ajmri-6067	251	26	and	and	CCONJ
ajmri-6067	251	27	promoting	promote	VERB
ajmri-6067	251	28	innovation	innovation	NOUN
ajmri-6067	251	29	.	.	PUNCT
ajmri-6067	252	1	resistance	resistance	NOUN
ajmri-6067	252	2	to	to	ADP
ajmri-6067	252	3	innovation	innovation	NOUN
ajmri-6067	252	4	in	in	ADP
ajmri-6067	252	5	financial	financial	ADJ
ajmri-6067	252	6	institutions	institution	NOUN
ajmri-6067	252	7	in	in	ADP
ajmri-6067	252	8	ghana	ghana	PROPN
ajmri-6067	252	9	the	the	DET
ajmri-6067	252	10	objective	objective	NOUN
ajmri-6067	252	11	sought	seek	VERB
ajmri-6067	252	12	to	to	PART
ajmri-6067	252	13	examine	examine	VERB
ajmri-6067	252	14	the	the	DET
ajmri-6067	252	15	extent	extent	NOUN
ajmri-6067	252	16	of	of	ADP
ajmri-6067	252	17	resistance	resistance	NOUN
ajmri-6067	252	18	to	to	ADP
ajmri-6067	252	19	innovation	innovation	NOUN
ajmri-6067	252	20	in	in	ADP
ajmri-6067	252	21	the	the	DET
ajmri-6067	252	22	financial	financial	ADJ
ajmri-6067	252	23	institutions	institution	NOUN
ajmri-6067	252	24	in	in	ADP
ajmri-6067	252	25	ghana	ghana	PROPN
ajmri-6067	252	26	.	.	PUNCT
ajmri-6067	253	1	fischer	fischer	PROPN
ajmri-6067	253	2	et	et	PROPN
ajmri-6067	253	3	al	al	PROPN
ajmri-6067	253	4	.	.	PROPN
ajmri-6067	254	1	(	(	PUNCT
ajmri-6067	254	2	2013	2013	NUM
ajmri-6067	254	3	)	)	PUNCT
ajmri-6067	254	4	writes	write	VERB
ajmri-6067	254	5	on	on	ADP
ajmri-6067	254	6	management	management	NOUN
ajmri-6067	254	7	resistance	resistance	NOUN
ajmri-6067	254	8	to	to	ADP
ajmri-6067	254	9	innovation	innovation	NOUN
ajmri-6067	254	10	.	.	PUNCT
ajmri-6067	255	1	the	the	DET
ajmri-6067	255	2	study	study	NOUN
ajmri-6067	255	3	provides	provide	VERB
ajmri-6067	255	4	a	a	DET
ajmri-6067	255	5	strong	strong	ADJ
ajmri-6067	255	6	base	base	NOUN
ajmri-6067	255	7	to	to	ADP
ajmri-6067	255	8	this	this	DET
ajmri-6067	255	9	study	study	NOUN
ajmri-6067	255	10	,	,	PUNCT
ajmri-6067	255	11	focusing	focus	VERB
ajmri-6067	255	12	on	on	ADP
ajmri-6067	255	13	resistance	resistance	NOUN
ajmri-6067	255	14	to	to	ADP
ajmri-6067	255	15	innovation	innovation	NOUN
ajmri-6067	255	16	by	by	ADP
ajmri-6067	255	17	management	management	NOUN
ajmri-6067	255	18	.	.	PUNCT
ajmri-6067	256	1	the	the	DET
ajmri-6067	256	2	study	study	NOUN
ajmri-6067	256	3	establishes	establish	VERB
ajmri-6067	256	4	that	that	SCONJ
ajmri-6067	256	5	resistance	resistance	NOUN
ajmri-6067	256	6	occurs	occur	VERB
ajmri-6067	256	7	in	in	ADP
ajmri-6067	256	8	two	two	NUM
ajmri-6067	256	9	ways	way	NOUN
ajmri-6067	256	10	such	such	ADJ
ajmri-6067	256	11	as	as	ADP
ajmri-6067	256	12	1	1	NUM
ajmri-6067	256	13	)	)	PUNCT
ajmri-6067	256	14	.	.	PUNCT
ajmri-6067	257	1	resistance	resistance	NOUN
ajmri-6067	257	2	to	to	ADP
ajmri-6067	257	3	ideas	idea	NOUN
ajmri-6067	257	4	and	and	CCONJ
ajmri-6067	257	5	their	their	PRON
ajmri-6067	257	6	approval	approval	NOUN
ajmri-6067	257	7	and	and	CCONJ
ajmri-6067	257	8	2	2	NUM
ajmri-6067	257	9	)	)	PUNCT
ajmri-6067	257	10	resistance	resistance	NOUN
ajmri-6067	257	11	to	to	ADP
ajmri-6067	257	12	the	the	DET
ajmri-6067	257	13	implementation	implementation	NOUN
ajmri-6067	257	14	of	of	ADP
ajmri-6067	257	15	the	the	DET
ajmri-6067	257	16	approved	approve	VERB
ajmri-6067	257	17	ideas	idea	NOUN
ajmri-6067	257	18	.	.	PUNCT
ajmri-6067	258	1	the	the	DET
ajmri-6067	258	2	researchers	researcher	NOUN
ajmri-6067	258	3	suggest	suggest	VERB
ajmri-6067	258	4	that	that	SCONJ
ajmri-6067	258	5	the	the	DET
ajmri-6067	258	6	innovation	innovation	NOUN
ajmri-6067	258	7	process	process	NOUN
ajmri-6067	258	8	is	be	AUX
ajmri-6067	258	9	characteristically	characteristically	ADV
ajmri-6067	258	10	positive	positive	ADJ
ajmri-6067	258	11	and	and	CCONJ
ajmri-6067	258	12	that	that	SCONJ
ajmri-6067	258	13	in	in	ADP
ajmri-6067	258	14	most	most	ADJ
ajmri-6067	258	15	cases	case	NOUN
ajmri-6067	258	16	,	,	PUNCT
ajmri-6067	258	17	management	management	NOUN
ajmri-6067	258	18	seem	seem	VERB
ajmri-6067	258	19	to	to	PART
ajmri-6067	258	20	be	be	AUX
ajmri-6067	258	21	reluctant	reluctant	ADJ
ajmri-6067	258	22	to	to	PART
ajmri-6067	258	23	settle	settle	VERB
ajmri-6067	258	24	on	on	ADP
ajmri-6067	258	25	negative	negative	ADJ
ajmri-6067	258	26	factors	factor	NOUN
ajmri-6067	258	27	.	.	PUNCT
ajmri-6067	259	1	conversely	conversely	ADV
ajmri-6067	259	2	,	,	PUNCT
ajmri-6067	259	3	it	it	PRON
ajmri-6067	259	4	is	be	AUX
ajmri-6067	259	5	commonly	commonly	ADV
ajmri-6067	259	6	accepted	accept	VERB
ajmri-6067	259	7	account	account	NOUN
ajmri-6067	259	8	that	that	SCONJ
ajmri-6067	259	9	the	the	DET
ajmri-6067	259	10	resistance	resistance	NOUN
ajmri-6067	259	11	to	to	ADP
ajmri-6067	259	12	innovation	innovation	NOUN
ajmri-6067	259	13	by	by	ADP
ajmri-6067	259	14	managers	manager	NOUN
ajmri-6067	259	15	is	be	AUX
ajmri-6067	259	16	a	a	DET
ajmri-6067	259	17	critical	critical	ADJ
ajmri-6067	259	18	barrier	barrier	NOUN
ajmri-6067	259	19	and	and	CCONJ
ajmri-6067	259	20	that	that	SCONJ
ajmri-6067	259	21	most	most	ADV
ajmri-6067	259	22	often	often	ADV
ajmri-6067	259	23	such	such	ADJ
ajmri-6067	259	24	barrier	barrier	NOUN
ajmri-6067	259	25	obstructs	obstruct	VERB
ajmri-6067	259	26	the	the	DET
ajmri-6067	259	27	positive	positive	ADJ
ajmri-6067	259	28	actions	action	NOUN
ajmri-6067	259	29	of	of	ADP
ajmri-6067	259	30	well	well	ADV
ajmri-6067	259	31	-	-	PUNCT
ajmri-6067	259	32	meaning	mean	VERB
ajmri-6067	259	33	and	and	CCONJ
ajmri-6067	259	34	creative	creative	ADJ
ajmri-6067	259	35	members	member	NOUN
ajmri-6067	259	36	of	of	ADP
ajmri-6067	259	37	the	the	DET
ajmri-6067	259	38	organization	organization	NOUN
ajmri-6067	259	39	.	.	PUNCT
ajmri-6067	260	1	this	this	DET
ajmri-6067	260	2	position	position	NOUN
ajmri-6067	260	3	correlates	correlate	VERB
ajmri-6067	260	4	with	with	ADP
ajmri-6067	260	5	the	the	DET
ajmri-6067	260	6	finding	finding	NOUN
ajmri-6067	260	7	that	that	SCONJ
ajmri-6067	260	8	“	"	PUNCT
ajmri-6067	260	9	resistance	resistance	NOUN
ajmri-6067	260	10	against	against	ADP
ajmri-6067	260	11	changes	change	NOUN
ajmri-6067	260	12	,	,	PUNCT
ajmri-6067	260	13	could	could	AUX
ajmri-6067	260	14	result	result	VERB
ajmri-6067	260	15	in	in	ADP
ajmri-6067	260	16	negative	negative	ADJ
ajmri-6067	260	17	effects	effect	NOUN
ajmri-6067	260	18	on	on	ADP
ajmri-6067	260	19	staff	staff	NOUN
ajmri-6067	260	20	who	who	PRON
ajmri-6067	260	21	have	have	VERB
ajmri-6067	260	22	innovative	innovative	ADJ
ajmri-6067	260	23	mindset	mindset	NOUN
ajmri-6067	260	24	in	in	ADP
ajmri-6067	260	25	the	the	DET
ajmri-6067	260	26	institution	institution	NOUN
ajmri-6067	260	27	”	"	PUNCT
ajmri-6067	260	28	in	in	ADP
ajmri-6067	260	29	this	this	DET
ajmri-6067	260	30	case	case	NOUN
ajmri-6067	260	31	,	,	PUNCT
ajmri-6067	260	32	business	business	NOUN
ajmri-6067	260	33	leaders	leader	NOUN
ajmri-6067	260	34	should	should	AUX
ajmri-6067	260	35	ensure	ensure	VERB
ajmri-6067	260	36	that	that	SCONJ
ajmri-6067	260	37	there	there	PRON
ajmri-6067	260	38	is	be	VERB
ajmri-6067	260	39	a	a	DET
ajmri-6067	260	40	clear	clear	ADJ
ajmri-6067	260	41	acceptance	acceptance	NOUN
ajmri-6067	260	42	by	by	ADP
ajmri-6067	260	43	staff	staff	NOUN
ajmri-6067	260	44	through	through	ADP
ajmri-6067	260	45	awareness	awareness	NOUN
ajmri-6067	260	46	creation	creation	NOUN
ajmri-6067	260	47	and	and	CCONJ
ajmri-6067	260	48	business	business	NOUN
ajmri-6067	260	49	-	-	PUNCT
ajmri-6067	260	50	wide	wide	ADJ
ajmri-6067	260	51	participation	participation	NOUN
ajmri-6067	260	52	in	in	ADP
ajmri-6067	260	53	change	change	NOUN
ajmri-6067	260	54	management	management	NOUN
ajmri-6067	260	55	processes	process	NOUN
ajmri-6067	260	56	to	to	PART
ajmri-6067	260	57	ensure	ensure	VERB
ajmri-6067	260	58	ownership	ownership	NOUN
ajmri-6067	260	59	and	and	CCONJ
ajmri-6067	260	60	collaboration	collaboration	NOUN
ajmri-6067	260	61	.	.	PUNCT
ajmri-6067	261	1	another	another	DET
ajmri-6067	261	2	important	important	ADJ
ajmri-6067	261	3	researcher	researcher	NOUN
ajmri-6067	261	4	on	on	ADP
ajmri-6067	261	5	innovation	innovation	NOUN
ajmri-6067	261	6	is	be	AUX
ajmri-6067	261	7	mcgourty	mcgourty	NOUN
ajmri-6067	261	8	et	et	PROPN
ajmri-6067	261	9	al	al	PROPN
ajmri-6067	261	10	.	.	PROPN
ajmri-6067	262	1	(	(	PUNCT
ajmri-6067	262	2	1996	1996	NUM
ajmri-6067	262	3	)	)	PUNCT
ajmri-6067	262	4	also	also	ADV
ajmri-6067	262	5	are	be	AUX
ajmri-6067	262	6	of	of	ADP
ajmri-6067	262	7	the	the	DET
ajmri-6067	262	8	view	view	NOUN
ajmri-6067	262	9	that	that	SCONJ
ajmri-6067	262	10	there	there	PRON
ajmri-6067	262	11	are	be	VERB
ajmri-6067	262	12	four	four	NUM
ajmri-6067	262	13	specific	specific	ADJ
ajmri-6067	262	14	behaviors	behavior	NOUN
ajmri-6067	262	15	for	for	ADP
ajmri-6067	262	16	companies	company	NOUN
ajmri-6067	262	17	and	and	CCONJ
ajmri-6067	262	18	managers	manager	NOUN
ajmri-6067	262	19	and	and	CCONJ
ajmri-6067	262	20	according	accord	VERB
ajmri-6067	262	21	to	to	ADP
ajmri-6067	262	22	the	the	DET
ajmri-6067	262	23	researchers	researcher	NOUN
ajmri-6067	262	24	,	,	PUNCT
ajmri-6067	262	25	these	these	DET
ajmri-6067	262	26	kind	kind	NOUN
ajmri-6067	262	27	of	of	ADP
ajmri-6067	262	28	organizations	organization	NOUN
ajmri-6067	262	29	and	and	CCONJ
ajmri-6067	262	30	their	their	PRON
ajmri-6067	262	31	managers	manager	NOUN
ajmri-6067	262	32	are	be	AUX
ajmri-6067	262	33	inquisitive	inquisitive	ADJ
ajmri-6067	262	34	,	,	PUNCT
ajmri-6067	262	35	advocative	advocative	ADJ
ajmri-6067	262	36	,	,	PUNCT
ajmri-6067	262	37	collaborative	collaborative	ADJ
ajmri-6067	262	38	,	,	PUNCT
ajmri-6067	262	39	and	and	CCONJ
ajmri-6067	262	40	goal	goal	NOUN
ajmri-6067	262	41	-	-	PUNCT
ajmri-6067	262	42	oriented	orient	VERB
ajmri-6067	262	43	.	.	PUNCT
ajmri-6067	263	1	the	the	DET
ajmri-6067	263	2	researchers	researcher	NOUN
ajmri-6067	263	3	further	far	ADV
ajmri-6067	263	4	found	find	VERB
ajmri-6067	263	5	out	out	ADP
ajmri-6067	263	6	that	that	SCONJ
ajmri-6067	263	7	innovative	innovative	ADJ
ajmri-6067	263	8	companies	company	NOUN
ajmri-6067	263	9	in	in	ADP
ajmri-6067	263	10	their	their	PRON
ajmri-6067	263	11	bit	bit	NOUN
ajmri-6067	263	12	to	to	PART
ajmri-6067	263	13	foster	foster	VERB
ajmri-6067	263	14	good	good	ADJ
ajmri-6067	263	15	behaviors	behavior	NOUN
ajmri-6067	263	16	,	,	PUNCT
ajmri-6067	263	17	use	use	VERB
ajmri-6067	263	18	programs	program	NOUN
ajmri-6067	263	19	or	or	CCONJ
ajmri-6067	263	20	activities	activity	NOUN
ajmri-6067	263	21	designed	design	VERB
ajmri-6067	263	22	to	to	PART
ajmri-6067	263	23	reinforce	reinforce	VERB
ajmri-6067	263	24	actions	action	NOUN
ajmri-6067	263	25	that	that	PRON
ajmri-6067	263	26	are	be	AUX
ajmri-6067	263	27	inquisitive	inquisitive	ADJ
ajmri-6067	263	28	,	,	PUNCT
ajmri-6067	263	29	advocative	advocative	ADJ
ajmri-6067	263	30	,	,	PUNCT
ajmri-6067	263	31	collaborative	collaborative	ADJ
ajmri-6067	263	32	,	,	PUNCT
ajmri-6067	263	33	and	and	CCONJ
ajmri-6067	263	34	goal	goal	NOUN
ajmri-6067	263	35	-	-	PUNCT
ajmri-6067	263	36	oriented	orient	VERB
ajmri-6067	263	37	.	.	PUNCT
ajmri-6067	264	1	according	accord	VERB
ajmri-6067	264	2	to	to	ADP
ajmri-6067	264	3	the	the	DET
ajmri-6067	264	4	researcher	researcher	NOUN
ajmri-6067	264	5	,	,	PUNCT
ajmri-6067	264	6	sometimes	sometimes	ADV
ajmri-6067	264	7	getting	get	VERB
ajmri-6067	264	8	the	the	DET
ajmri-6067	264	9	support	support	NOUN
ajmri-6067	264	10	from	from	ADP
ajmri-6067	264	11	upper	upper	ADJ
ajmri-6067	264	12	management	management	NOUN
ajmri-6067	264	13	may	may	AUX
ajmri-6067	264	14	also	also	ADV
ajmri-6067	264	15	hinder	hinder	VERB
ajmri-6067	264	16	managers	manager	NOUN
ajmri-6067	264	17	who	who	PRON
ajmri-6067	264	18	try	try	VERB
ajmri-6067	264	19	to	to	PART
ajmri-6067	264	20	foster	foster	VERB
ajmri-6067	264	21	innovation	innovation	NOUN
ajmri-6067	264	22	due	due	ADP
ajmri-6067	264	23	to	to	ADP
ajmri-6067	264	24	lack	lack	NOUN
ajmri-6067	264	25	of	of	ADP
ajmri-6067	264	26	effective	effective	ADJ
ajmri-6067	264	27	innovation	innovation	NOUN
ajmri-6067	264	28	measures	measure	NOUN
ajmri-6067	264	29	on	on	ADP
ajmri-6067	264	30	their	their	PRON
ajmri-6067	264	31	part	part	NOUN
ajmri-6067	264	32	,	,	PUNCT
ajmri-6067	264	33	lack	lack	NOUN
ajmri-6067	264	34	of	of	ADP
ajmri-6067	264	35	employee	employee	NOUN
ajmri-6067	264	36	acceptance	acceptance	NOUN
ajmri-6067	264	37	.	.	PUNCT
ajmri-6067	265	1	assessing	assess	VERB
ajmri-6067	265	2	the	the	DET
ajmri-6067	265	3	key	key	ADJ
ajmri-6067	265	4	triggers	trigger	NOUN
ajmri-6067	265	5	of	of	ADP
ajmri-6067	265	6	resistance	resistance	NOUN
ajmri-6067	265	7	to	to	ADP
ajmri-6067	265	8	innovativeness	innovativeness	NOUN
ajmri-6067	265	9	in	in	ADP
ajmri-6067	265	10	financial	financial	ADJ
ajmri-6067	265	11	organizations	organization	NOUN
ajmri-6067	265	12	in	in	ADP
ajmri-6067	265	13	ghana	ghana	PROPN
ajmri-6067	265	14	the	the	DET
ajmri-6067	265	15	fear	fear	NOUN
ajmri-6067	265	16	of	of	ADP
ajmri-6067	265	17	the	the	DET
ajmri-6067	265	18	unknown	unknown	ADJ
ajmri-6067	265	19	,	,	PUNCT
ajmri-6067	265	20	lack	lack	NOUN
ajmri-6067	265	21	of	of	ADP
ajmri-6067	265	22	awareness	awareness	NOUN
ajmri-6067	265	23	creation	creation	NOUN
ajmri-6067	265	24	and	and	CCONJ
ajmri-6067	265	25	lack	lack	NOUN
ajmri-6067	265	26	of	of	ADP
ajmri-6067	265	27	political	political	ADJ
ajmri-6067	265	28	will	will	AUX
ajmri-6067	265	29	had	have	AUX
ajmri-6067	265	30	been	be	AUX
ajmri-6067	265	31	considered	consider	VERB
ajmri-6067	265	32	as	as	ADP
ajmri-6067	265	33	the	the	DET
ajmri-6067	265	34	key	key	ADJ
ajmri-6067	265	35	triggers	trigger	NOUN
ajmri-6067	265	36	of	of	ADP
ajmri-6067	265	37	resistance	resistance	NOUN
ajmri-6067	265	38	to	to	ADP
ajmri-6067	265	39	innovativeness	innovativeness	NOUN
ajmri-6067	265	40	in	in	ADP
ajmri-6067	265	41	financial	financial	ADJ
ajmri-6067	265	42	organizations	organization	NOUN
ajmri-6067	265	43	in	in	ADP
ajmri-6067	265	44	ghana	ghana	PROPN
ajmri-6067	265	45	.	.	PUNCT
ajmri-6067	266	1	the	the	DET
ajmri-6067	266	2	view	view	NOUN
ajmri-6067	266	3	of	of	ADP
ajmri-6067	266	4	respondents	respondent	NOUN
ajmri-6067	266	5	indicates	indicate	VERB
ajmri-6067	266	6	that	that	SCONJ
ajmri-6067	266	7	employees	employee	NOUN
ajmri-6067	266	8	have	have	VERB
ajmri-6067	266	9	the	the	DET
ajmri-6067	266	10	assumption	assumption	NOUN
ajmri-6067	266	11	that	that	SCONJ
ajmri-6067	266	12	they	they	PRON
ajmri-6067	266	13	could	could	AUX
ajmri-6067	266	14	lose	lose	VERB
ajmri-6067	266	15	their	their	PRON
ajmri-6067	266	16	jobs	job	NOUN
ajmri-6067	266	17	as	as	SCONJ
ajmri-6067	266	18	technological	technological	ADJ
ajmri-6067	266	19	advancements	advancement	NOUN
ajmri-6067	266	20	may	may	AUX
ajmri-6067	266	21	lead	lead	VERB
ajmri-6067	266	22	to	to	ADP
ajmri-6067	266	23	the	the	DET
ajmri-6067	266	24	fear	fear	NOUN
ajmri-6067	266	25	of	of	ADP
ajmri-6067	266	26	the	the	DET
ajmri-6067	266	27	unknown	unknown	ADJ
ajmri-6067	266	28	,	,	PUNCT
ajmri-6067	266	29	lack	lack	NOUN
ajmri-6067	266	30	of	of	ADP
ajmri-6067	266	31	awareness	awareness	NOUN
ajmri-6067	266	32	creation	creation	NOUN
ajmri-6067	266	33	and	and	CCONJ
ajmri-6067	266	34	lack	lack	NOUN
ajmri-6067	266	35	of	of	ADP
ajmri-6067	266	36	political	political	ADJ
ajmri-6067	266	37	will	will	NOUN
ajmri-6067	266	38	.	.	PUNCT
ajmri-6067	267	1	the	the	DET
ajmri-6067	267	2	objective	objective	NOUN
ajmri-6067	267	3	sought	seek	VERB
ajmri-6067	267	4	to	to	PART
ajmri-6067	267	5	establish	establish	VERB
ajmri-6067	267	6	the	the	DET
ajmri-6067	267	7	key	key	ADJ
ajmri-6067	267	8	triggers	trigger	NOUN
ajmri-6067	267	9	of	of	ADP
ajmri-6067	267	10	resistance	resistance	NOUN
ajmri-6067	267	11	to	to	ADP
ajmri-6067	267	12	innovation	innovation	NOUN
ajmri-6067	267	13	in	in	ADP
ajmri-6067	267	14	contemporary	contemporary	ADJ
ajmri-6067	267	15	financial	financial	ADJ
ajmri-6067	267	16	institutions	institution	NOUN
ajmri-6067	267	17	in	in	ADP
ajmri-6067	267	18	ghana	ghana	PROPN
ajmri-6067	267	19	.	.	PUNCT
ajmri-6067	268	1	putting	put	VERB
ajmri-6067	268	2	all	all	DET
ajmri-6067	268	3	these	these	DET
ajmri-6067	268	4	factors	factor	NOUN
ajmri-6067	268	5	under	under	ADP
ajmri-6067	268	6	serious	serious	ADJ
ajmri-6067	268	7	scrutiny	scrutiny	NOUN
ajmri-6067	268	8	,	,	PUNCT
ajmri-6067	268	9	the	the	DET
ajmri-6067	268	10	data	data	NOUN
ajmri-6067	268	11	shows	show	VERB
ajmri-6067	268	12	clearly	clearly	ADV
ajmri-6067	268	13	that	that	SCONJ
ajmri-6067	268	14	a	a	DET
ajmri-6067	268	15	significant	significant	ADJ
ajmri-6067	268	16	proportion	proportion	NOUN
ajmri-6067	268	17	of	of	ADP
ajmri-6067	268	18	the	the	DET
ajmri-6067	268	19	respondents	respondent	NOUN
ajmri-6067	268	20	believe	believe	VERB
ajmri-6067	268	21	that	that	SCONJ
ajmri-6067	268	22	the	the	DET
ajmri-6067	268	23	fear	fear	NOUN
ajmri-6067	268	24	of	of	ADP
ajmri-6067	268	25	unknown	unknown	ADJ
ajmri-6067	268	26	is	be	AUX
ajmri-6067	268	27	a	a	DET
ajmri-6067	268	28	key	key	ADJ
ajmri-6067	268	29	reason	reason	NOUN
ajmri-6067	268	30	why	why	SCONJ
ajmri-6067	268	31	individual	individual	ADJ
ajmri-6067	268	32	staff	staff	NOUN
ajmri-6067	268	33	members	member	NOUN
ajmri-6067	268	34	would	would	AUX
ajmri-6067	268	35	resist	resist	VERB
ajmri-6067	268	36	an	an	DET
ajmri-6067	268	37	innovative	innovative	ADJ
ajmri-6067	268	38	mindset	mindset	NOUN
ajmri-6067	268	39	.	.	PUNCT
ajmri-6067	269	1	referring	refer	VERB
ajmri-6067	269	2	to	to	ADP
ajmri-6067	269	3	the	the	DET
ajmri-6067	269	4	data	datum	NOUN
ajmri-6067	269	5	gathered	gather	VERB
ajmri-6067	269	6	from	from	ADP
ajmri-6067	269	7	the	the	DET
ajmri-6067	269	8	qualitative	qualitative	ADJ
ajmri-6067	269	9	survey	survey	NOUN
ajmri-6067	269	10	instrument	instrument	NOUN
ajmri-6067	269	11	,	,	PUNCT
ajmri-6067	269	12	the	the	DET
ajmri-6067	269	13	following	follow	VERB
ajmri-6067	269	14	two	two	NUM
ajmri-6067	269	15	key	key	ADJ
ajmri-6067	269	16	findings	finding	NOUN
ajmri-6067	269	17	were	be	AUX
ajmri-6067	269	18	established	establish	VERB
ajmri-6067	269	19	to	to	PART
ajmri-6067	269	20	support	support	VERB
ajmri-6067	269	21	the	the	DET
ajmri-6067	269	22	quantitative	quantitative	ADJ
ajmri-6067	269	23	data	datum	NOUN
ajmri-6067	269	24	founded	found	VERB
ajmri-6067	269	25	:	:	PUNCT
ajmri-6067	269	26	•	•	ADP
ajmri-6067	269	27	the	the	DET
ajmri-6067	269	28	fear	fear	NOUN
ajmri-6067	269	29	of	of	ADP
ajmri-6067	269	30	the	the	DET
ajmri-6067	269	31	unknown	unknown	NOUN
ajmri-6067	269	32	.	.	PUNCT
ajmri-6067	270	1	in	in	ADP
ajmri-6067	270	2	their	their	PRON
ajmri-6067	270	3	view	view	NOUN
ajmri-6067	270	4	they	they	PRON
ajmri-6067	270	5	could	could	AUX
ajmri-6067	270	6	lose	lose	VERB
ajmri-6067	270	7	their	their	PRON
ajmri-6067	270	8	jobs	job	NOUN
ajmri-6067	270	9	as	as	SCONJ
ajmri-6067	270	10	technological	technological	ADJ
ajmri-6067	270	11	advancements	advancement	NOUN
ajmri-6067	270	12	may	may	AUX
ajmri-6067	270	13	lead	lead	VERB
ajmri-6067	270	14	to	to	ADP
ajmri-6067	270	15	less	less	ADJ
ajmri-6067	270	16	human	human	ADJ
ajmri-6067	270	17	intervention	intervention	NOUN
ajmri-6067	270	18	at	at	ADP
ajmri-6067	270	19	the	the	DET
ajmri-6067	270	20	workplace	workplace	NOUN
ajmri-6067	270	21	and	and	CCONJ
ajmri-6067	270	22	,	,	PUNCT
ajmri-6067	270	23	•	•	NUM
ajmri-6067	270	24	lack	lack	NOUN
ajmri-6067	270	25	of	of	ADP
ajmri-6067	270	26	involvement	involvement	NOUN
ajmri-6067	270	27	,	,	PUNCT
ajmri-6067	270	28	lack	lack	NOUN
ajmri-6067	270	29	of	of	ADP
ajmri-6067	270	30	awareness	awareness	NOUN
ajmri-6067	270	31	creation	creation	NOUN
ajmri-6067	270	32	,	,	PUNCT
ajmri-6067	270	33	and	and	CCONJ
ajmri-6067	270	34	lack	lack	NOUN
ajmri-6067	270	35	of	of	ADP
ajmri-6067	270	36	political	political	ADJ
ajmri-6067	270	37	wills	will	NOUN
ajmri-6067	270	38	.	.	PUNCT
ajmri-6067	271	1	conclusion	conclusion	NOUN
ajmri-6067	271	2	in	in	ADP
ajmri-6067	271	3	conclusion	conclusion	NOUN
ajmri-6067	271	4	,	,	PUNCT
ajmri-6067	271	5	this	this	DET
ajmri-6067	271	6	research	research	NOUN
ajmri-6067	271	7	seeks	seek	VERB
ajmri-6067	271	8	to	to	PART
ajmri-6067	271	9	provide	provide	VERB
ajmri-6067	271	10	valuable	valuable	ADJ
ajmri-6067	271	11	shrewdness	shrewdness	NOUN
ajmri-6067	271	12	into	into	ADP
ajmri-6067	271	13	the	the	DET
ajmri-6067	271	14	complex	complex	ADJ
ajmri-6067	271	15	processes	process	NOUN
ajmri-6067	271	16	in	in	ADP
ajmri-6067	271	17	finding	find	VERB
ajmri-6067	271	18	answers	answer	NOUN
ajmri-6067	271	19	to	to	ADP
ajmri-6067	271	20	the	the	DET
ajmri-6067	271	21	key	key	ADJ
ajmri-6067	271	22	penetrating	penetrate	VERB
ajmri-6067	271	23	questions	question	NOUN
ajmri-6067	271	24	believed	believe	VERB
ajmri-6067	271	25	to	to	PART
ajmri-6067	271	26	help	help	VERB
ajmri-6067	271	27	solve	solve	VERB
ajmri-6067	271	28	certain	certain	ADJ
ajmri-6067	271	29	problems	problem	NOUN
ajmri-6067	271	30	in	in	ADP
ajmri-6067	271	31	the	the	DET
ajmri-6067	271	32	banking	banking	NOUN
ajmri-6067	271	33	sector	sector	NOUN
ajmri-6067	271	34	,	,	PUNCT
ajmri-6067	271	35	as	as	SCONJ
ajmri-6067	271	36	the	the	DET
ajmri-6067	271	37	industry	industry	NOUN
ajmri-6067	271	38	faces	face	VERB
ajmri-6067	271	39	key	key	ADJ
ajmri-6067	271	40	challenges	challenge	NOUN
ajmri-6067	271	41	that	that	PRON
ajmri-6067	271	42	need	need	VERB
ajmri-6067	271	43	a	a	DET
ajmri-6067	271	44	“	"	PUNCT
ajmri-6067	271	45	think	think	VERB
ajmri-6067	271	46	outside	outside	ADP
ajmri-6067	271	47	the	the	DET
ajmri-6067	271	48	box	box	NOUN
ajmri-6067	271	49	”	"	PUNCT
ajmri-6067	271	50	solution	solution	NOUN
ajmri-6067	271	51	.	.	PUNCT
ajmri-6067	272	1	the	the	DET
ajmri-6067	272	2	study	study	NOUN
ajmri-6067	272	3	focuses	focus	VERB
ajmri-6067	272	4	on	on	ADP
ajmri-6067	272	5	the	the	DET
ajmri-6067	272	6	following	follow	VERB
ajmri-6067	272	7	three	three	NUM
ajmri-6067	272	8	research	research	NOUN
ajmri-6067	272	9	questions	question	NOUN
ajmri-6067	272	10	derived	derive	VERB
ajmri-6067	272	11	from	from	ADP
ajmri-6067	272	12	the	the	DET
ajmri-6067	272	13	specific	specific	ADJ
ajmri-6067	272	14	research	research	NOUN
ajmri-6067	272	15	objectives	objective	NOUN
ajmri-6067	272	16	:	:	PUNCT
ajmri-6067	272	17	what	what	PRON
ajmri-6067	272	18	are	be	AUX
ajmri-6067	272	19	the	the	DET
ajmri-6067	272	20	effects	effect	NOUN
ajmri-6067	272	21	of	of	ADP
ajmri-6067	272	22	innovation	innovation	NOUN
ajmri-6067	272	23	on	on	ADP
ajmri-6067	272	24	the	the	DET
ajmri-6067	272	25	banking	banking	NOUN
ajmri-6067	272	26	sector	sector	NOUN
ajmri-6067	272	27	in	in	ADP
ajmri-6067	272	28	ghana	ghana	PROPN
ajmri-6067	272	29	?	?	PUNCT
ajmri-6067	273	1	what	what	PRON
ajmri-6067	273	2	are	be	AUX
ajmri-6067	273	3	the	the	DET
ajmri-6067	273	4	key	key	ADJ
ajmri-6067	273	5	forms	form	NOUN
ajmri-6067	273	6	of	of	ADP
ajmri-6067	273	7	resistance	resistance	NOUN
ajmri-6067	273	8	to	to	ADP
ajmri-6067	273	9	innovativeness	innovativeness	NOUN
ajmri-6067	273	10	in	in	ADP
ajmri-6067	273	11	financial	financial	ADJ
ajmri-6067	273	12	institutions	institution	NOUN
ajmri-6067	273	13	in	in	ADP
ajmri-6067	273	14	ghana	ghana	PROPN
ajmri-6067	273	15	?	?	PUNCT
ajmri-6067	274	1	and	and	CCONJ
ajmri-6067	274	2	what	what	PRON
ajmri-6067	274	3	are	be	AUX
ajmri-6067	274	4	the	the	DET
ajmri-6067	274	5	key	key	ADJ
ajmri-6067	274	6	triggers	trigger	NOUN
ajmri-6067	274	7	of	of	ADP
ajmri-6067	274	8	resistance	resistance	NOUN
ajmri-6067	274	9	to	to	ADP
ajmri-6067	274	10	innovativeness	innovativeness	NOUN
ajmri-6067	274	11	in	in	ADP
ajmri-6067	274	12	financial	financial	ADJ
ajmri-6067	274	13	organizations	organization	NOUN
ajmri-6067	274	14	in	in	ADP
ajmri-6067	274	15	ghana	ghana	PROPN
ajmri-6067	274	16	to	to	PART
ajmri-6067	274	17	achieve	achieve	VERB
ajmri-6067	274	18	the	the	DET
ajmri-6067	274	19	study	study	NOUN
ajmri-6067	274	20	’s	’s	PART
ajmri-6067	274	21	main	main	ADJ
ajmri-6067	274	22	goal	goal	NOUN
ajmri-6067	274	23	?	?	PUNCT
ajmri-6067	275	1	the	the	DET
ajmri-6067	275	2	study	study	NOUN
ajmri-6067	275	3	establishes	establish	VERB
ajmri-6067	275	4	the	the	DET
ajmri-6067	275	5	following	follow	VERB
ajmri-6067	275	6	key	key	ADJ
ajmri-6067	275	7	findings	finding	NOUN
ajmri-6067	275	8	:	:	PUNCT
ajmri-6067	275	9	majority	majority	NOUN
ajmri-6067	275	10	of	of	ADP
ajmri-6067	275	11	customers	customer	NOUN
ajmri-6067	275	12	and	and	CCONJ
ajmri-6067	275	13	clients	client	NOUN
ajmri-6067	275	14	of	of	ADP
ajmri-6067	275	15	financial	financial	ADJ
ajmri-6067	275	16	services	service	NOUN
ajmri-6067	275	17	are	be	AUX
ajmri-6067	275	18	of	of	ADP
ajmri-6067	275	19	the	the	DET
ajmri-6067	275	20	view	view	NOUN
ajmri-6067	275	21	that	that	SCONJ
ajmri-6067	275	22	technology	technology	NOUN
ajmri-6067	275	23	influences	influence	VERB
ajmri-6067	275	24	the	the	DET
ajmri-6067	275	25	growth	growth	NOUN
ajmri-6067	275	26	of	of	ADP
ajmri-6067	275	27	institutions	institution	NOUN
ajmri-6067	275	28	in	in	ADP
ajmri-6067	275	29	ghana	ghana	PROPN
ajmri-6067	275	30	,	,	PUNCT
ajmri-6067	275	31	innovativeness	innovativeness	NOUN
ajmri-6067	275	32	has	have	AUX
ajmri-6067	275	33	led	lead	VERB
ajmri-6067	275	34	to	to	ADP
ajmri-6067	275	35	improvement	improvement	NOUN
ajmri-6067	275	36	of	of	ADP
ajmri-6067	275	37	the	the	DET
ajmri-6067	275	38	financial	financial	ADJ
ajmri-6067	275	39	services	service	NOUN
ajmri-6067	275	40	and	and	CCONJ
ajmri-6067	275	41	improved	improve	VERB
ajmri-6067	275	42	payment	payment	NOUN
ajmri-6067	275	43	systems	system	NOUN
ajmri-6067	275	44	,	,	PUNCT
ajmri-6067	275	45	the	the	DET
ajmri-6067	275	46	fear	fear	NOUN
ajmri-6067	275	47	of	of	ADP
ajmri-6067	275	48	unknown	unknown	ADJ
ajmri-6067	275	49	and	and	CCONJ
ajmri-6067	275	50	lack	lack	NOUN
ajmri-6067	275	51	of	of	ADP
ajmri-6067	275	52	awareness	awareness	NOUN
ajmri-6067	275	53	creation	creation	NOUN
ajmri-6067	275	54	are	be	AUX
ajmri-6067	275	55	the	the	DET
ajmri-6067	275	56	key	key	ADJ
ajmri-6067	275	57	triggers	trigger	NOUN
ajmri-6067	275	58	of	of	ADP
ajmri-6067	275	59	resistance	resistance	NOUN
ajmri-6067	275	60	to	to	ADP
ajmri-6067	275	61	innovativeness	innovativeness	NOUN
ajmri-6067	275	62	in	in	ADP
ajmri-6067	275	63	organization	organization	NOUN
ajmri-6067	275	64	,	,	PUNCT
ajmri-6067	275	65	with	with	ADP
ajmri-6067	275	66	recommendations	recommendation	NOUN
ajmri-6067	275	67	such	such	ADJ
ajmri-6067	275	68	as	as	ADP
ajmri-6067	275	69	:	:	PUNCT
ajmri-6067	275	70	business	business	NOUN
ajmri-6067	275	71	leaders	leader	NOUN
ajmri-6067	275	72	to	to	PART
ajmri-6067	275	73	consider	consider	VERB
ajmri-6067	275	74	innovation	innovation	NOUN
ajmri-6067	275	75	as	as	ADP
ajmri-6067	275	76	the	the	DET
ajmri-6067	275	77	key	key	ADJ
ajmri-6067	275	78	element	element	NOUN
ajmri-6067	275	79	to	to	PART
ajmri-6067	275	80	reach	reach	VERB
ajmri-6067	275	81	customer	customer	NOUN
ajmri-6067	275	82	satisfaction	satisfaction	NOUN
ajmri-6067	275	83	,	,	PUNCT
ajmri-6067	275	84	organizations	organization	NOUN
ajmri-6067	275	85	focusing	focus	VERB
ajmri-6067	275	86	on	on	ADP
ajmri-6067	275	87	products	product	NOUN
ajmri-6067	275	88	,	,	PUNCT
ajmri-6067	275	89	and	and	CCONJ
ajmri-6067	275	90	pay	pay	VERB
ajmri-6067	275	91	more	more	ADJ
ajmri-6067	275	92	attention	attention	NOUN
ajmri-6067	275	93	on	on	ADP
ajmri-6067	275	94	the	the	DET
ajmri-6067	275	95	role	role	NOUN
ajmri-6067	275	96	it	it	PRON
ajmri-6067	275	97	plays	play	VERB
ajmri-6067	275	98	in	in	ADP
ajmri-6067	275	99	realizing	realize	VERB
ajmri-6067	275	100	competitive	competitive	ADJ
ajmri-6067	275	101	advantage	advantage	NOUN
ajmri-6067	275	102	.	.	PUNCT
ajmri-6067	276	1	the	the	DET
ajmri-6067	276	2	development	development	NOUN
ajmri-6067	276	3	of	of	ADP
ajmri-6067	276	4	every	every	DET
ajmri-6067	276	5	financial	financial	ADJ
ajmri-6067	276	6	institution	institution	NOUN
ajmri-6067	276	7	is	be	AUX
ajmri-6067	276	8	hinged	hinge	VERB
ajmri-6067	276	9	on	on	ADP
ajmri-6067	276	10	innovation	innovation	NOUN
ajmri-6067	276	11	and	and	CCONJ
ajmri-6067	276	12	technology	technology	NOUN
ajmri-6067	276	13	,	,	PUNCT
ajmri-6067	276	14	with	with	ADP
ajmri-6067	276	15	more	more	ADJ
ajmri-6067	276	16	granular	granular	ADJ
ajmri-6067	276	17	dimensions	dimension	NOUN
ajmri-6067	276	18	on	on	ADP
ajmri-6067	276	19	the	the	DET
ajmri-6067	276	20	kind	kind	NOUN
ajmri-6067	276	21	of	of	ADP
ajmri-6067	276	22	economy	economy	NOUN
ajmri-6067	276	23	where	where	SCONJ
ajmri-6067	276	24	financial	financial	ADJ
ajmri-6067	276	25	market	market	NOUN
ajmri-6067	276	26	is	be	AUX
ajmri-6067	276	27	not	not	PART
ajmri-6067	276	28	strongly	strongly	ADV
ajmri-6067	276	29	developed	develop	VERB
ajmri-6067	276	30	,	,	PUNCT
ajmri-6067	276	31	especially	especially	ADV
ajmri-6067	276	32	,	,	PUNCT
ajmri-6067	276	33	african	african	ADJ
ajmri-6067	276	34	and	and	CCONJ
ajmri-6067	276	35	other	other	ADJ
ajmri-6067	276	36	developing	develop	VERB
ajmri-6067	276	37	world	world	NOUN
ajmri-6067	276	38	.	.	PUNCT
ajmri-6067	277	1	performance	performance	NOUN
ajmri-6067	277	2	of	of	ADP
ajmri-6067	277	3	financial	financial	ADJ
ajmri-6067	277	4	institutions	institution	NOUN
ajmri-6067	277	5	in	in	ADP
ajmri-6067	277	6	eastern	eastern	ADJ
ajmri-6067	277	7	region	region	NOUN
ajmri-6067	277	8	of	of	ADP
ajmri-6067	277	9	ghana	ghana	PROPN
ajmri-6067	277	10	,	,	PUNCT
ajmri-6067	277	11	and	and	CCONJ
ajmri-6067	277	12	other	other	ADJ
ajmri-6067	277	13	part	part	NOUN
ajmri-6067	277	14	of	of	ADP
ajmri-6067	277	15	the	the	DET
ajmri-6067	277	16	country	country	NOUN
ajmri-6067	277	17	,	,	PUNCT
ajmri-6067	277	18	have	have	AUX
ajmri-6067	277	19	not	not	PART
ajmri-6067	277	20	been	be	AUX
ajmri-6067	277	21	encouraging	encouraging	ADJ
ajmri-6067	277	22	enough	enough	ADV
ajmri-6067	277	23	,	,	PUNCT
ajmri-6067	277	24	for	for	ADP
ajmri-6067	277	25	lack	lack	NOUN
ajmri-6067	277	26	of	of	ADP
ajmri-6067	277	27	innovativeness	innovativeness	NOUN
ajmri-6067	277	28	.	.	PUNCT
ajmri-6067	278	1	this	this	PRON
ajmri-6067	278	2	requires	require	VERB
ajmri-6067	278	3	strategy	strategy	NOUN
ajmri-6067	278	4	that	that	PRON
ajmri-6067	278	5	seeks	seek	VERB
ajmri-6067	278	6	to	to	PART
ajmri-6067	278	7	improve	improve	VERB
ajmri-6067	278	8	performance	performance	NOUN
ajmri-6067	278	9	within	within	ADP
ajmri-6067	278	10	these	these	DET
ajmri-6067	278	11	region	region	NOUN
ajmri-6067	278	12	,	,	PUNCT
ajmri-6067	278	13	given	give	VERB
ajmri-6067	278	14	their	their	PRON
ajmri-6067	278	15	conditions	condition	NOUN
ajmri-6067	278	16	in	in	ADP
ajmri-6067	278	17	the	the	DET
ajmri-6067	278	18	financial	financial	ADJ
ajmri-6067	278	19	markets	market	NOUN
ajmri-6067	278	20	.	.	PUNCT
ajmri-6067	279	1	with	with	ADP
ajmri-6067	279	2	this	this	DET
ajmri-6067	279	3	background	background	NOUN
ajmri-6067	279	4	,	,	PUNCT
ajmri-6067	279	5	it	it	PRON
ajmri-6067	279	6	is	be	AUX
ajmri-6067	279	7	clear	clear	ADJ
ajmri-6067	279	8	that	that	SCONJ
ajmri-6067	279	9	banks	bank	NOUN
ajmri-6067	279	10	can	can	AUX
ajmri-6067	279	11	play	play	VERB
ajmri-6067	279	12	a	a	DET
ajmri-6067	279	13	significant	significant	ADJ
ajmri-6067	279	14	role	role	NOUN
ajmri-6067	279	15	in	in	ADP
ajmri-6067	279	16	the	the	DET
ajmri-6067	279	17	economic	economic	ADJ
ajmri-6067	279	18	development	development	NOUN
ajmri-6067	279	19	as	as	SCONJ
ajmri-6067	279	20	there	there	PRON
ajmri-6067	279	21	is	be	VERB
ajmri-6067	279	22	stringent	stringent	ADJ
ajmri-6067	279	23	efforts	effort	NOUN
ajmri-6067	279	24	to	to	PART
ajmri-6067	279	25	create	create	VERB
ajmri-6067	279	26	strategic	strategic	ADJ
ajmri-6067	279	27	directions	direction	NOUN
ajmri-6067	279	28	such	such	ADJ
ajmri-6067	279	29	as	as	ADP
ajmri-6067	279	30	the	the	DET
ajmri-6067	279	31	adoption	adoption	NOUN
ajmri-6067	279	32	of	of	ADP
ajmri-6067	279	33	digital	digital	ADJ
ajmri-6067	279	34	technologies	technology	NOUN
ajmri-6067	279	35	that	that	PRON
ajmri-6067	279	36	has	have	VERB
ajmri-6067	279	37	the	the	DET
ajmri-6067	279	38	ability	ability	NOUN
ajmri-6067	279	39	to	to	PART
ajmri-6067	279	40	ensure	ensure	VERB
ajmri-6067	279	41	innovativeness	innovativeness	NOUN
ajmri-6067	279	42	,	,	PUNCT
ajmri-6067	279	43	financial	financial	ADJ
ajmri-6067	279	44	products	product	NOUN
ajmri-6067	279	45	that	that	PRON
ajmri-6067	279	46	will	will	AUX
ajmri-6067	279	47	improve	improve	VERB
ajmri-6067	279	48	financial	financial	ADJ
ajmri-6067	279	49	inclusion	inclusion	NOUN
ajmri-6067	279	50	,	,	PUNCT
ajmri-6067	279	51	aimed	aim	VERB
ajmri-6067	279	52	at	at	ADP
ajmri-6067	279	53	reducing	reduce	VERB
ajmri-6067	279	54	transection	transection	NOUN
ajmri-6067	279	55	costs	cost	NOUN
ajmri-6067	279	56	,	,	PUNCT
ajmri-6067	279	57	based	base	VERB
ajmri-6067	279	58	on	on	ADP
ajmri-6067	279	59	speed	speed	NOUN
ajmri-6067	279	60	of	of	ADP
ajmri-6067	279	61	delivery	delivery	NOUN
ajmri-6067	279	62	and	and	CCONJ
ajmri-6067	279	63	quality	quality	NOUN
ajmri-6067	279	64	of	of	ADP
ajmri-6067	279	65	products	product	NOUN
ajmri-6067	279	66	.	.	PUNCT
ajmri-6067	280	1	and	and	CCONJ
ajmri-6067	280	2	enhanced	enhance	VERB
ajmri-6067	280	3	customer	customer	NOUN
ajmri-6067	280	4	experience	experience	NOUN
ajmri-6067	280	5	.	.	PUNCT
ajmri-6067	281	1	the	the	DET
ajmri-6067	281	2	study	study	NOUN
ajmri-6067	281	3	seeks	seek	VERB
ajmri-6067	281	4	to	to	PART
ajmri-6067	281	5	contribute	contribute	VERB
ajmri-6067	281	6	significantly	significantly	ADV
ajmri-6067	281	7	to	to	ADP
ajmri-6067	281	8	the	the	DET
ajmri-6067	281	9	understanding	understanding	NOUN
ajmri-6067	281	10	of	of	ADP
ajmri-6067	281	11	financial	financial	ADJ
ajmri-6067	281	12	innovation	innovation	NOUN
ajmri-6067	281	13	in	in	ADP
ajmri-6067	281	14	ghana	ghana	PROPN
ajmri-6067	281	15	’s	’s	PART
ajmri-6067	281	16	banking	banking	NOUN
ajmri-6067	281	17	sector	sector	NOUN
ajmri-6067	281	18	with	with	ADP
ajmri-6067	281	19	focus	focus	NOUN
ajmri-6067	281	20	on	on	ADP
ajmri-6067	281	21	the	the	DET
ajmri-6067	281	22	eastern	eastern	ADJ
ajmri-6067	281	23	region	region	NOUN
ajmri-6067	281	24	of	of	ADP
ajmri-6067	281	25	ghana	ghana	PROPN
ajmri-6067	281	26	.	.	PUNCT
ajmri-6067	282	1	pa	pa	PROPN
ajmri-6067	282	2	ge	ge	PROPN
ajmri-6067	282	3	56	56	NUM
ajmri-6067	282	4	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	282	5	am	am	NOUN
ajmri-6067	282	6	.	.	PUNCT
ajmri-6067	283	1	j.	j.	PROPN
ajmri-6067	283	2	multidis	multidis	PROPN
ajmri-6067	283	3	.	.	PUNCT
ajmri-6067	284	1	res	re	NOUN
ajmri-6067	284	2	.	.	PUNCT
ajmri-6067	285	1	innov	innov	PROPN
ajmri-6067	285	2	.	.	PUNCT
ajmri-6067	286	1	4(6	4(6	NUM
ajmri-6067	286	2	)	)	PUNCT
ajmri-6067	287	1	48	48	NUM
ajmri-6067	287	2	-	-	SYM
ajmri-6067	287	3	57	57	NUM
ajmri-6067	287	4	,	,	PUNCT
ajmri-6067	287	5	2025	2025	NUM
ajmri-6067	287	6	the	the	DET
ajmri-6067	287	7	findings	finding	NOUN
ajmri-6067	287	8	highlight	highlight	VERB
ajmri-6067	287	9	the	the	DET
ajmri-6067	287	10	critical	critical	ADJ
ajmri-6067	287	11	role	role	NOUN
ajmri-6067	287	12	of	of	ADP
ajmri-6067	287	13	technology	technology	NOUN
ajmri-6067	287	14	adoption	adoption	NOUN
ajmri-6067	287	15	,	,	PUNCT
ajmri-6067	287	16	risk	risk	NOUN
ajmri-6067	287	17	management	management	NOUN
ajmri-6067	287	18	,	,	PUNCT
ajmri-6067	287	19	and	and	CCONJ
ajmri-6067	287	20	strategic	strategic	ADJ
ajmri-6067	287	21	leadership	leadership	NOUN
ajmri-6067	287	22	in	in	ADP
ajmri-6067	287	23	driving	drive	VERB
ajmri-6067	287	24	financial	financial	ADJ
ajmri-6067	287	25	innovation	innovation	NOUN
ajmri-6067	287	26	.	.	PUNCT
ajmri-6067	288	1	policymakers	policymaker	NOUN
ajmri-6067	288	2	and	and	CCONJ
ajmri-6067	288	3	regulators	regulator	NOUN
ajmri-6067	288	4	can	can	AUX
ajmri-6067	288	5	leverage	leverage	VERB
ajmri-6067	288	6	these	these	DET
ajmri-6067	288	7	insights	insight	NOUN
ajmri-6067	288	8	to	to	PART
ajmri-6067	288	9	craft	craft	VERB
ajmri-6067	288	10	policies	policy	NOUN
ajmri-6067	288	11	promoting	promote	VERB
ajmri-6067	288	12	financial	financial	ADJ
ajmri-6067	288	13	inclusion	inclusion	NOUN
ajmri-6067	288	14	,	,	PUNCT
ajmri-6067	288	15	stability	stability	NOUN
ajmri-6067	288	16	,	,	PUNCT
ajmri-6067	288	17	and	and	CCONJ
ajmri-6067	288	18	competitiveness	competitiveness	NOUN
ajmri-6067	288	19	.	.	PUNCT
ajmri-6067	289	1	banking	banking	NOUN
ajmri-6067	289	2	institutions	institution	NOUN
ajmri-6067	289	3	can	can	AUX
ajmri-6067	289	4	adopt	adopt	VERB
ajmri-6067	289	5	best	good	ADJ
ajmri-6067	289	6	practices	practice	NOUN
ajmri-6067	289	7	in	in	ADP
ajmri-6067	289	8	innovation	innovation	NOUN
ajmri-6067	289	9	management	management	NOUN
ajmri-6067	289	10	,	,	PUNCT
ajmri-6067	289	11	technology	technology	NOUN
ajmri-6067	289	12	integration	integration	NOUN
ajmri-6067	289	13	,	,	PUNCT
ajmri-6067	289	14	and	and	CCONJ
ajmri-6067	289	15	risk	risk	NOUN
ajmri-6067	289	16	mitigations	mitigation	NOUN
ajmri-6067	289	17	.	.	PUNCT
ajmri-6067	290	1	the	the	DET
ajmri-6067	290	2	research	research	NOUN
ajmri-6067	290	3	contributes	contribute	VERB
ajmri-6067	290	4	immensely	immensely	ADV
ajmri-6067	290	5	to	to	ADP
ajmri-6067	290	6	both	both	PRON
ajmri-6067	290	7	conceptual	conceptual	ADJ
ajmri-6067	290	8	frameworks	framework	NOUN
ajmri-6067	290	9	and	and	CCONJ
ajmri-6067	290	10	practical	practical	ADJ
ajmri-6067	290	11	tools	tool	NOUN
ajmri-6067	290	12	to	to	PART
ajmri-6067	290	13	ensure	ensure	VERB
ajmri-6067	290	14	necessary	necessary	ADJ
ajmri-6067	290	15	evaluation	evaluation	NOUN
ajmri-6067	290	16	in	in	ADP
ajmri-6067	290	17	the	the	DET
ajmri-6067	290	18	subject	subject	NOUN
ajmri-6067	290	19	of	of	ADP
ajmri-6067	290	20	financial	financial	ADJ
ajmri-6067	290	21	management	management	NOUN
ajmri-6067	290	22	.	.	PUNCT
ajmri-6067	291	1	recommendations	recommendation	NOUN
ajmri-6067	291	2	based	base	VERB
ajmri-6067	291	3	on	on	ADP
ajmri-6067	291	4	the	the	DET
ajmri-6067	291	5	findings	finding	NOUN
ajmri-6067	291	6	from	from	ADP
ajmri-6067	291	7	the	the	DET
ajmri-6067	291	8	study	study	NOUN
ajmri-6067	291	9	,	,	PUNCT
ajmri-6067	291	10	the	the	DET
ajmri-6067	291	11	following	follow	VERB
ajmri-6067	291	12	recommendations	recommendation	NOUN
ajmri-6067	291	13	were	be	AUX
ajmri-6067	291	14	formulated	formulate	VERB
ajmri-6067	291	15	:	:	PUNCT
ajmri-6067	291	16	•	•	ADP
ajmri-6067	291	17	business	business	NOUN
ajmri-6067	291	18	leaders	leader	NOUN
ajmri-6067	291	19	in	in	ADP
ajmri-6067	291	20	financial	financial	ADJ
ajmri-6067	291	21	/	/	SYM
ajmri-6067	291	22	banking	banking	NOUN
ajmri-6067	291	23	sector	sector	NOUN
ajmri-6067	291	24	should	should	AUX
ajmri-6067	291	25	engage	engage	VERB
ajmri-6067	291	26	in	in	ADP
ajmri-6067	291	27	policy	policy	NOUN
ajmri-6067	291	28	development	development	NOUN
ajmri-6067	291	29	that	that	PRON
ajmri-6067	291	30	seeks	seek	VERB
ajmri-6067	291	31	to	to	PART
ajmri-6067	291	32	encourage	encourage	VERB
ajmri-6067	291	33	innovative	innovative	ADJ
ajmri-6067	291	34	ideas	idea	NOUN
ajmri-6067	291	35	from	from	ADP
ajmri-6067	291	36	staff	staff	NOUN
ajmri-6067	291	37	;	;	PUNCT
ajmri-6067	291	38	especially	especially	ADV
ajmri-6067	291	39	the	the	DET
ajmri-6067	291	40	use	use	NOUN
ajmri-6067	291	41	of	of	ADP
ajmri-6067	291	42	technology	technology	NOUN
ajmri-6067	291	43	which	which	PRON
ajmri-6067	291	44	is	be	AUX
ajmri-6067	291	45	believed	believe	VERB
ajmri-6067	291	46	to	to	PART
ajmri-6067	291	47	influence	influence	VERB
ajmri-6067	291	48	growth	growth	NOUN
ajmri-6067	291	49	and	and	CCONJ
ajmri-6067	291	50	increase	increase	VERB
ajmri-6067	291	51	speed	speed	NOUN
ajmri-6067	291	52	of	of	ADP
ajmri-6067	291	53	service	service	NOUN
ajmri-6067	291	54	aim	aim	NOUN
ajmri-6067	291	55	at	at	ADP
ajmri-6067	291	56	enhancing	enhance	VERB
ajmri-6067	291	57	customers	customer	NOUN
ajmri-6067	291	58	’	'	PUNCT
ajmri-6067	291	59	experience	experience	NOUN
ajmri-6067	291	60	.	.	PUNCT
ajmri-6067	292	1	•	•	NOUN
ajmri-6067	292	2	business	business	NOUN
ajmri-6067	292	3	leaders	leader	NOUN
ajmri-6067	292	4	should	should	AUX
ajmri-6067	292	5	see	see	VERB
ajmri-6067	292	6	innovation	innovation	NOUN
ajmri-6067	292	7	as	as	ADP
ajmri-6067	292	8	the	the	DET
ajmri-6067	292	9	key	key	ADJ
ajmri-6067	292	10	element	element	NOUN
ajmri-6067	292	11	to	to	PART
ajmri-6067	292	12	reach	reach	VERB
ajmri-6067	292	13	customer	customer	NOUN
ajmri-6067	292	14	satisfaction	satisfaction	NOUN
ajmri-6067	292	15	,	,	PUNCT
ajmri-6067	292	16	this	this	PRON
ajmri-6067	292	17	is	be	AUX
ajmri-6067	292	18	because	because	SCONJ
ajmri-6067	292	19	innovation	innovation	NOUN
ajmri-6067	292	20	as	as	ADP
ajmri-6067	292	21	a	a	DET
ajmri-6067	292	22	new	new	ADJ
ajmri-6067	292	23	idea	idea	NOUN
ajmri-6067	292	24	are	be	AUX
ajmri-6067	292	25	implemented	implement	VERB
ajmri-6067	292	26	to	to	ADP
ajmri-6067	292	27	harness	harness	ADJ
ajmri-6067	292	28	competitive	competitive	ADJ
ajmri-6067	292	29	advantage	advantage	NOUN
ajmri-6067	292	30	.	.	PUNCT
ajmri-6067	293	1	•	•	NOUN
ajmri-6067	293	2	banking	banking	NOUN
ajmri-6067	293	3	institutions	institution	NOUN
ajmri-6067	293	4	should	should	AUX
ajmri-6067	293	5	consider	consider	VERB
ajmri-6067	293	6	speed	speed	NOUN
ajmri-6067	293	7	and	and	CCONJ
ajmri-6067	293	8	simplicity	simplicity	NOUN
ajmri-6067	293	9	as	as	ADP
ajmri-6067	293	10	their	their	PRON
ajmri-6067	293	11	priorities	priority	NOUN
ajmri-6067	293	12	,	,	PUNCT
ajmri-6067	293	13	leading	lead	VERB
ajmri-6067	293	14	to	to	ADP
ajmri-6067	293	15	the	the	DET
ajmri-6067	293	16	focus	focus	NOUN
ajmri-6067	293	17	on	on	ADP
ajmri-6067	293	18	clients	client	NOUN
ajmri-6067	293	19	in	in	ADP
ajmri-6067	293	20	their	their	PRON
ajmri-6067	293	21	operations	operation	NOUN
ajmri-6067	293	22	to	to	PART
ajmri-6067	293	23	ensure	ensure	VERB
ajmri-6067	293	24	they	they	PRON
ajmri-6067	293	25	are	be	AUX
ajmri-6067	293	26	maintained	maintain	VERB
ajmri-6067	293	27	.	.	PUNCT
ajmri-6067	294	1	•	•	NUM
ajmri-6067	294	2	financial	financial	ADJ
ajmri-6067	294	3	institutions	institution	NOUN
ajmri-6067	294	4	should	should	AUX
ajmri-6067	294	5	have	have	VERB
ajmri-6067	294	6	policies	policy	NOUN
ajmri-6067	294	7	that	that	PRON
ajmri-6067	294	8	seek	seek	VERB
ajmri-6067	294	9	to	to	PART
ajmri-6067	294	10	reward	reward	VERB
ajmri-6067	294	11	innovation	innovation	NOUN
ajmri-6067	294	12	ideas	idea	NOUN
ajmri-6067	294	13	at	at	ADP
ajmri-6067	294	14	every	every	DET
ajmri-6067	294	15	level	level	NOUN
ajmri-6067	294	16	.	.	PUNCT
ajmri-6067	295	1	this	this	PRON
ajmri-6067	295	2	will	will	AUX
ajmri-6067	295	3	encourage	encourage	VERB
ajmri-6067	295	4	employees	employee	NOUN
ajmri-6067	295	5	to	to	PART
ajmri-6067	295	6	come	come	VERB
ajmri-6067	295	7	up	up	ADP
ajmri-6067	295	8	with	with	ADP
ajmri-6067	295	9	new	new	ADJ
ajmri-6067	295	10	ideas	idea	NOUN
ajmri-6067	295	11	all	all	DET
ajmri-6067	295	12	the	the	DET
ajmri-6067	295	13	time	time	NOUN
ajmri-6067	295	14	.	.	PUNCT
ajmri-6067	296	1	this	this	DET
ajmri-6067	296	2	strategic	strategic	ADJ
ajmri-6067	296	3	focus	focus	NOUN
ajmri-6067	296	4	will	will	AUX
ajmri-6067	296	5	help	help	VERB
ajmri-6067	296	6	institutions	institution	NOUN
ajmri-6067	296	7	to	to	PART
ajmri-6067	296	8	introduce	introduce	VERB
ajmri-6067	296	9	new	new	ADJ
ajmri-6067	296	10	products	product	NOUN
ajmri-6067	296	11	,	,	PUNCT
ajmri-6067	296	12	enhanced	enhance	VERB
ajmri-6067	296	13	payment	payment	NOUN
ajmri-6067	296	14	systems	system	NOUN
ajmri-6067	296	15	and	and	CCONJ
ajmri-6067	296	16	improved	improve	VERB
ajmri-6067	296	17	customer	customer	NOUN
ajmri-6067	296	18	service	service	NOUN
ajmri-6067	296	19	.	.	PUNCT
ajmri-6067	297	1	•	•	NOUN
ajmri-6067	297	2	business	business	NOUN
ajmri-6067	297	3	leaders	leader	NOUN
ajmri-6067	297	4	should	should	AUX
ajmri-6067	297	5	forge	forge	VERB
ajmri-6067	297	6	strategies	strategy	NOUN
ajmri-6067	297	7	including	include	VERB
ajmri-6067	297	8	stakeholder	stakeholder	NOUN
ajmri-6067	297	9	-	-	PUNCT
ajmri-6067	297	10	engagement	engagement	NOUN
ajmri-6067	297	11	,	,	PUNCT
ajmri-6067	297	12	brainstorming	brainstorming	NOUN
ajmri-6067	297	13	and	and	CCONJ
ajmri-6067	297	14	awareness	awareness	NOUN
ajmri-6067	297	15	creation	creation	NOUN
ajmri-6067	297	16	,	,	PUNCT
ajmri-6067	297	17	and	and	CCONJ
ajmri-6067	297	18	idea	idea	NOUN
ajmri-6067	297	19	cascaded	cascade	VERB
ajmri-6067	297	20	down	down	ADP
ajmri-6067	297	21	to	to	PART
ajmri-6067	297	22	get	get	VERB
ajmri-6067	297	23	others	other	NOUN
ajmri-6067	297	24	behind	behind	ADP
ajmri-6067	297	25	a	a	DET
ajmri-6067	297	26	change	change	NOUN
ajmri-6067	297	27	.	.	PUNCT
ajmri-6067	298	1	references	reference	NOUN
ajmri-6067	298	2	abor	abor	PROPN
ajmri-6067	298	3	,	,	PUNCT
ajmri-6067	298	4	j.	j.	PROPN
ajmri-6067	298	5	(	(	PUNCT
ajmri-6067	298	6	2004	2004	NUM
ajmri-6067	298	7	)	)	PUNCT
ajmri-6067	298	8	.	.	PUNCT
ajmri-6067	299	1	technological	technological	ADJ
ajmri-6067	299	2	innovations	innovation	NOUN
ajmri-6067	299	3	and	and	CCONJ
ajmri-6067	299	4	banking	banking	NOUN
ajmri-6067	299	5	in	in	ADP
ajmri-6067	299	6	ghana	ghana	PROPN
ajmri-6067	299	7	:	:	PUNCT
ajmri-6067	299	8	an	an	DET
ajmri-6067	299	9	evaluation	evaluation	NOUN
ajmri-6067	299	10	of	of	ADP
ajmri-6067	299	11	customers	customer	NOUN
ajmri-6067	299	12	’	’	PART
ajmri-6067	299	13	perceptions	perception	NOUN
ajmri-6067	299	14	.	.	PUNCT
ajmri-6067	300	1	african	african	ADJ
ajmri-6067	300	2	journal	journal	PROPN
ajmri-6067	300	3	online	online	ADV
ajmri-6067	300	4	.	.	PUNCT
ajmri-6067	301	1	http://www.ajol.info/index	http://www.ajol.info/index	NOUN
ajmri-6067	301	2	.	.	PUNCT
ajmri-6067	302	1	php	php	PROPN
ajmri-6067	302	2	/	/	SYM
ajmri-6067	302	3	ifep	ifep	NOUN
ajmri-6067	302	4	/	/	SYM
ajmri-6067	302	5	cart	cart	NOUN
ajmri-6067	302	6	/	/	SYM
ajmri-6067	302	7	view/23668/20166	view/23668/20166	PROPN
ajmri-6067	302	8	anderson	anderson	PROPN
ajmri-6067	302	9	,	,	PUNCT
ajmri-6067	302	10	n.	n.	PROPN
ajmri-6067	302	11	,	,	PUNCT
ajmri-6067	302	12	de	de	X
ajmri-6067	302	13	dreu	dreu	NOUN
ajmri-6067	302	14	,	,	PUNCT
ajmri-6067	302	15	c.	c.	PROPN
ajmri-6067	302	16	k.	k.	PROPN
ajmri-6067	302	17	w.	w.	PROPN
ajmri-6067	302	18	,	,	PUNCT
ajmri-6067	302	19	&	&	CCONJ
ajmri-6067	302	20	nijstad	nijstad	PROPN
ajmri-6067	302	21	,	,	PUNCT
ajmri-6067	302	22	b.	b.	PROPN
ajmri-6067	302	23	a.	a.	PROPN
ajmri-6067	302	24	(	(	PUNCT
ajmri-6067	302	25	2014	2014	NUM
ajmri-6067	302	26	)	)	PUNCT
ajmri-6067	302	27	.	.	PUNCT
ajmri-6067	303	1	innovation	innovation	NOUN
ajmri-6067	303	2	and	and	CCONJ
ajmri-6067	303	3	creativity	creativity	NOUN
ajmri-6067	303	4	in	in	ADP
ajmri-6067	303	5	organizations	organization	NOUN
ajmri-6067	303	6	:	:	PUNCT
ajmri-6067	303	7	a	a	DET
ajmri-6067	303	8	metaanalysis	metaanalysis	NOUN
ajmri-6067	303	9	of	of	ADP
ajmri-6067	303	10	organizational	organizational	ADJ
ajmri-6067	303	11	,	,	PUNCT
ajmri-6067	303	12	group	group	NOUN
ajmri-6067	303	13	,	,	PUNCT
ajmri-6067	303	14	and	and	CCONJ
ajmri-6067	303	15	individual	individual	ADJ
ajmri-6067	303	16	factors	factor	NOUN
ajmri-6067	303	17	.	.	PUNCT
ajmri-6067	304	1	journal	journal	NOUN
ajmri-6067	304	2	of	of	ADP
ajmri-6067	304	3	applied	apply	VERB
ajmri-6067	304	4	psychology	psychology	NOUN
ajmri-6067	304	5	,	,	PUNCT
ajmri-6067	304	6	99(3	99(3	NUM
ajmri-6067	304	7	)	)	PUNCT
ajmri-6067	304	8	,	,	PUNCT
ajmri-6067	304	9	587–616	587–616	NUM
ajmri-6067	304	10	.	.	PUNCT
ajmri-6067	305	1	arnoni	arnoni	PROPN
ajmri-6067	305	2	,	,	PUNCT
ajmri-6067	305	3	r.	r.	PROPN
ajmri-6067	305	4	,	,	PUNCT
ajmri-6067	305	5	et	et	PROPN
ajmri-6067	305	6	al	al	PROPN
ajmri-6067	305	7	.	.	PUNCT
ajmri-6067	306	1	(	(	PUNCT
ajmri-6067	306	2	2016	2016	NUM
ajmri-6067	306	3	)	)	PUNCT
ajmri-6067	306	4	.	.	PUNCT
ajmri-6067	307	1	future	future	NOUN
ajmri-6067	307	2	of	of	ADP
ajmri-6067	307	3	payments	payment	NOUN
ajmri-6067	307	4	in	in	ADP
ajmri-6067	307	5	australia	australia	PROPN
ajmri-6067	307	6	:	:	PUNCT
ajmri-6067	307	7	the	the	DET
ajmri-6067	307	8	future	future	NOUN
ajmri-6067	307	9	of	of	ADP
ajmri-6067	307	10	transaction	transaction	NOUN
ajmri-6067	307	11	banking	banking	NOUN
ajmri-6067	307	12	and	and	CCONJ
ajmri-6067	307	13	payments	payment	NOUN
ajmri-6067	307	14	in	in	ADP
ajmri-6067	307	15	2020	2020	NUM
ajmri-6067	307	16	.	.	PUNCT
ajmri-6067	308	1	bech	bech	PROPN
ajmri-6067	308	2	,	,	PUNCT
ajmri-6067	308	3	m.	m.	NOUN
ajmri-6067	308	4	,	,	PUNCT
ajmri-6067	308	5	&	&	CCONJ
ajmri-6067	308	6	hancock	hancock	PROPN
ajmri-6067	308	7	,	,	PUNCT
ajmri-6067	308	8	j.	j.	PROPN
ajmri-6067	308	9	(	(	PUNCT
ajmri-6067	308	10	2020	2020	NUM
ajmri-6067	308	11	)	)	PUNCT
ajmri-6067	308	12	.	.	PUNCT
ajmri-6067	309	1	innovation	innovation	NOUN
ajmri-6067	309	2	in	in	ADP
ajmri-6067	309	3	payments	payment	NOUN
ajmri-6067	309	4	.	.	PUNCT
ajmri-6067	310	1	bis	bis	PROPN
ajmri-6067	310	2	quarterly	quarterly	ADJ
ajmri-6067	310	3	review	review	NOUN
ajmri-6067	310	4	.	.	PUNCT
ajmri-6067	311	1	https://www.bis.org/publ/	https://www.bis.org/publ/	PROPN
ajmri-6067	311	2	qtrpdf	qtrpdf	PROPN
ajmri-6067	311	3	/	/	SYM
ajmri-6067	311	4	r_qt2003f.htm	r_qt2003f.htm	PROPN
ajmri-6067	311	5	bozhinova	bozhinova	PROPN
ajmri-6067	311	6	,	,	PUNCT
ajmri-6067	311	7	m.	m.	NOUN
ajmri-6067	311	8	,	,	PUNCT
ajmri-6067	311	9	&	&	CCONJ
ajmri-6067	311	10	georgieva	georgieva	PROPN
ajmri-6067	311	11	,	,	PUNCT
ajmri-6067	311	12	k.	k.	PROPN
ajmri-6067	311	13	(	(	PUNCT
ajmri-6067	311	14	2019	2019	NUM
ajmri-6067	311	15	)	)	PUNCT
ajmri-6067	311	16	.	.	PUNCT
ajmri-6067	312	1	organizations	organization	NOUN
ajmri-6067	312	2	for	for	ADP
ajmri-6067	312	3	tourism	tourism	NOUN
ajmri-6067	312	4	region	region	NOUN
ajmri-6067	312	5	management	management	NOUN
ajmri-6067	312	6	in	in	ADP
ajmri-6067	312	7	bulgaria	bulgaria	PROPN
ajmri-6067	312	8	–	–	PUNCT
ajmri-6067	312	9	trends	trend	NOUN
ajmri-6067	312	10	and	and	CCONJ
ajmri-6067	312	11	challenges	challenge	NOUN
ajmri-6067	312	12	.	.	PUNCT
ajmri-6067	313	1	trakia	trakia	PROPN
ajmri-6067	313	2	journal	journal	PROPN
ajmri-6067	313	3	of	of	ADP
ajmri-6067	313	4	sciences	science	NOUN
ajmri-6067	313	5	,	,	PUNCT
ajmri-6067	313	6	17(1	17(1	NUM
ajmri-6067	313	7	)	)	PUNCT
ajmri-6067	313	8	,	,	PUNCT
ajmri-6067	313	9	365370	365370	NUM
ajmri-6067	313	10	.	.	PUNCT
ajmri-6067	314	1	https://doi.org/10.15547/tjs.2019.s.01.060	https://doi.org/10.15547/tjs.2019.s.01.060	NOUN
ajmri-6067	314	2	brigham	brigham	PROPN
ajmri-6067	314	3	,	,	PUNCT
ajmri-6067	314	4	e.	e.	PROPN
ajmri-6067	314	5	f.	f.	PROPN
ajmri-6067	314	6	(	(	PUNCT
ajmri-6067	314	7	1992	1992	NUM
ajmri-6067	314	8	)	)	PUNCT
ajmri-6067	314	9	.	.	PUNCT
ajmri-6067	315	1	fundamentals	fundamental	NOUN
ajmri-6067	315	2	of	of	ADP
ajmri-6067	315	3	financial	financial	ADJ
ajmri-6067	315	4	management	management	NOUN
ajmri-6067	315	5	(	(	PUNCT
ajmri-6067	315	6	6th	6th	ADJ
ajmri-6067	315	7	ed	ed	NOUN
ajmri-6067	315	8	.	.	PUNCT
ajmri-6067	315	9	)	)	PUNCT
ajmri-6067	315	10	.	.	PUNCT
ajmri-6067	316	1	the	the	DET
ajmri-6067	316	2	dryden	dryden	PROPN
ajmri-6067	316	3	press	press	PROPN
ajmri-6067	316	4	.	.	PUNCT
ajmri-6067	317	1	https://www.academia	https://www.academia	PROPN
ajmri-6067	317	2	.	.	PUNCT
ajmri-6067	318	1	edu/40918315	edu/40918315	PROPN
ajmri-6067	318	2	/	/	SYM
ajmri-6067	318	3	fundamentals_of_financial	fundamentals_of_financial	PROPN
ajmri-6067	318	4	_	_	NOUN
ajmri-6067	318	5	management_eleventh_edition	management_eleventh_edition	PROPN
ajmri-6067	318	6	cenamor	cenamor	NOUN
ajmri-6067	318	7	,	,	PUNCT
ajmri-6067	318	8	j.	j.	PROPN
ajmri-6067	318	9	,	,	PUNCT
ajmri-6067	318	10	sjödin	sjödin	PROPN
ajmri-6067	318	11	,	,	PUNCT
ajmri-6067	318	12	d.	d.	PROPN
ajmri-6067	318	13	,	,	PUNCT
ajmri-6067	318	14	&	&	CCONJ
ajmri-6067	318	15	parida	parida	PROPN
ajmri-6067	318	16	,	,	PUNCT
ajmri-6067	318	17	v.	v.	PROPN
ajmri-6067	318	18	(	(	PUNCT
ajmri-6067	318	19	2017	2017	NUM
ajmri-6067	318	20	)	)	PUNCT
ajmri-6067	318	21	.	.	PUNCT
ajmri-6067	319	1	adopting	adopt	VERB
ajmri-6067	319	2	a	a	DET
ajmri-6067	319	3	platform	platform	NOUN
ajmri-6067	319	4	approach	approach	NOUN
ajmri-6067	319	5	in	in	ADP
ajmri-6067	319	6	servitization	servitization	NOUN
ajmri-6067	319	7	:	:	PUNCT
ajmri-6067	319	8	leveraging	leverage	VERB
ajmri-6067	319	9	the	the	DET
ajmri-6067	319	10	value	value	NOUN
ajmri-6067	319	11	of	of	ADP
ajmri-6067	319	12	digitalization	digitalization	NOUN
ajmri-6067	319	13	.	.	PUNCT
ajmri-6067	320	1	international	international	ADJ
ajmri-6067	320	2	journal	journal	PROPN
ajmri-6067	320	3	of	of	ADP
ajmri-6067	320	4	production	production	NOUN
ajmri-6067	320	5	economics	economic	NOUN
ajmri-6067	320	6	,	,	PUNCT
ajmri-6067	320	7	192	192	NUM
ajmri-6067	320	8	,	,	PUNCT
ajmri-6067	320	9	54–65	54–65	NUM
ajmri-6067	320	10	.	.	PUNCT
ajmri-6067	321	1	domeher	domeher	PROPN
ajmri-6067	321	2	,	,	PUNCT
ajmri-6067	321	3	d.	d.	PROPN
ajmri-6067	321	4	,	,	PUNCT
ajmri-6067	321	5	frimpong	frimpong	PROPN
ajmri-6067	321	6	,	,	PUNCT
ajmri-6067	321	7	j.	j.	PROPN
ajmri-6067	321	8	m.	m.	PROPN
ajmri-6067	321	9	,	,	PUNCT
ajmri-6067	321	10	&	&	CCONJ
ajmri-6067	321	11	appiah	appiah	PROPN
ajmri-6067	321	12	,	,	PUNCT
ajmri-6067	321	13	t.	t.	PROPN
ajmri-6067	321	14	(	(	PUNCT
ajmri-6067	321	15	2014	2014	NUM
ajmri-6067	321	16	)	)	PUNCT
ajmri-6067	321	17	.	.	PUNCT
ajmri-6067	322	1	adoption	adoption	NOUN
ajmri-6067	322	2	of	of	ADP
ajmri-6067	322	3	financial	financial	ADJ
ajmri-6067	322	4	innovation	innovation	NOUN
ajmri-6067	322	5	in	in	ADP
ajmri-6067	322	6	the	the	DET
ajmri-6067	322	7	ghanaian	ghanaian	ADJ
ajmri-6067	322	8	banking	banking	NOUN
ajmri-6067	322	9	industry	industry	NOUN
ajmri-6067	322	10	.	.	PUNCT
ajmri-6067	323	1	african	african	ADJ
ajmri-6067	323	2	review	review	NOUN
ajmri-6067	323	3	of	of	ADP
ajmri-6067	323	4	economics	economic	NOUN
ajmri-6067	323	5	and	and	CCONJ
ajmri-6067	323	6	finance	finance	NOUN
ajmri-6067	323	7	,	,	PUNCT
ajmri-6067	323	8	6(2	6(2	NUM
ajmri-6067	323	9	)	)	PUNCT
ajmri-6067	323	10	,	,	PUNCT
ajmri-6067	323	11	88–114	88–114	PROPN
ajmri-6067	323	12	.	.	PUNCT
ajmri-6067	324	1	https://www.african	https://www.african	NOUN
ajmri-6067	324	2	-	-	PUNCT
ajmri-6067	324	3	review	review	NOUN
ajmri-6067	324	4	.	.	PUNCT
ajmri-6067	324	5	com	com	NOUN
ajmri-6067	324	6	/	/	SYM
ajmri-6067	324	7	journal	journal	PROPN
ajmri-6067	324	8	/	/	SYM
ajmri-6067	324	9	v6(2)december2014	v6(2)december2014	PROPN
ajmri-6067	324	10	/	/	SYM
ajmri-6067	324	11	financial%20	financial%20	PROPN
ajmri-6067	324	12	innovation%20in%20ghana.pdf	innovation%20in%20ghana.pdf	PROPN
ajmri-6067	324	13	dweck	dweck	PROPN
ajmri-6067	324	14	,	,	PUNCT
ajmri-6067	324	15	c.	c.	PROPN
ajmri-6067	324	16	s.	s.	PROPN
ajmri-6067	324	17	(	(	PUNCT
ajmri-6067	324	18	2006	2006	NUM
ajmri-6067	324	19	)	)	PUNCT
ajmri-6067	324	20	.	.	PUNCT
ajmri-6067	325	1	mindset	mindset	NOUN
ajmri-6067	325	2	:	:	PUNCT
ajmri-6067	325	3	the	the	DET
ajmri-6067	325	4	new	new	ADJ
ajmri-6067	325	5	psychology	psychology	NOUN
ajmri-6067	325	6	of	of	ADP
ajmri-6067	325	7	success	success	NOUN
ajmri-6067	325	8	.	.	PUNCT
ajmri-6067	326	1	random	random	ADJ
ajmri-6067	326	2	house	house	NOUN
ajmri-6067	326	3	.	.	PUNCT
ajmri-6067	327	1	frimpong	frimpong	PROPN
ajmri-6067	327	2	,	,	PUNCT
ajmri-6067	327	3	j.	j.	PROPN
ajmri-6067	327	4	m.	m.	PROPN
ajmri-6067	327	5	(	(	PUNCT
ajmri-6067	327	6	2010	2010	NUM
ajmri-6067	327	7	)	)	PUNCT
ajmri-6067	327	8	.	.	PUNCT
ajmri-6067	328	1	exchange	exchange	NOUN
ajmri-6067	328	2	rate	rate	NOUN
ajmri-6067	328	3	pass	pass	NOUN
ajmri-6067	328	4	-	-	PUNCT
ajmri-6067	328	5	through	through	NOUN
ajmri-6067	328	6	in	in	ADP
ajmri-6067	328	7	ghana	ghana	PROPN
ajmri-6067	328	8	.	.	PUNCT
ajmri-6067	329	1	international	international	ADJ
ajmri-6067	329	2	business	business	NOUN
ajmri-6067	329	3	research	research	NOUN
ajmri-6067	329	4	,	,	PUNCT
ajmri-6067	329	5	3(2	3(2	NUM
ajmri-6067	329	6	)	)	PUNCT
ajmri-6067	329	7	,	,	PUNCT
ajmri-6067	329	8	134–141	134–141	NUM
ajmri-6067	329	9	.	.	PUNCT
ajmri-6067	330	1	file:///c:/users	file:///c:/user	NOUN
ajmri-6067	330	2	/	/	SYM
ajmri-6067	330	3	ex0218pkc	ex0218pkc	ADJ
ajmri-6067	330	4	/	/	SYM
ajmri-6067	330	5	downloads/466217626	downloads/466217626	NOUN
ajmri-6067	330	6	-	-	PUNCT
ajmri-6067	330	7	1	1	NUM
ajmri-6067	330	8	-	-	PUNCT
ajmri-6067	330	9	pb%20(1).pdf	pb%20(1).pdf	NOUN
ajmri-6067	330	10	lin	lin	PROPN
ajmri-6067	330	11	,	,	PUNCT
ajmri-6067	330	12	c.	c.	PROPN
ajmri-6067	330	13	,	,	PUNCT
ajmri-6067	330	14	ma	ma	PROPN
ajmri-6067	330	15	,	,	PUNCT
ajmri-6067	330	16	y.	y.	PROPN
ajmri-6067	330	17	,	,	PUNCT
ajmri-6067	330	18	&	&	CCONJ
ajmri-6067	330	19	xue	xue	PROPN
ajmri-6067	330	20	,	,	PUNCT
ajmri-6067	330	21	m.	m.	NOUN
ajmri-6067	330	22	(	(	PUNCT
ajmri-6067	330	23	2018	2018	NUM
ajmri-6067	330	24	)	)	PUNCT
ajmri-6067	330	25	.	.	PUNCT
ajmri-6067	331	1	banking	banking	NOUN
ajmri-6067	331	2	and	and	CCONJ
ajmri-6067	331	3	innovation	innovation	NOUN
ajmri-6067	331	4	:	:	PUNCT
ajmri-6067	331	5	a	a	DET
ajmri-6067	331	6	review	review	NOUN
ajmri-6067	331	7	.	.	PUNCT
ajmri-6067	332	1	adbi	adbi	ADJ
ajmri-6067	332	2	working	working	PROPN
ajmri-6067	332	3	paper	paper	PROPN
ajmri-6067	332	4	815	815	NUM
ajmri-6067	332	5	.	.	PUNCT
ajmri-6067	333	1	asian	asian	PROPN
ajmri-6067	333	2	development	development	PROPN
ajmri-6067	333	3	bank	bank	PROPN
ajmri-6067	333	4	institute	institute	PROPN
ajmri-6067	333	5	.	.	PUNCT
ajmri-6067	334	1	https://www.adb.org/publications/	https://www.adb.org/publications/	PROPN
ajmri-6067	334	2	banking	banking	NOUN
ajmri-6067	334	3	-	-	PUNCT
ajmri-6067	334	4	and	and	CCONJ
ajmri-6067	334	5	-	-	PUNCT
ajmri-6067	334	6	innovation	innovation	NOUN
ajmri-6067	334	7	-	-	PUNCT
ajmri-6067	334	8	review	review	NOUN
ajmri-6067	334	9	mcgourty	mcgourty	NOUN
ajmri-6067	334	10	,	,	PUNCT
ajmri-6067	334	11	j.	j.	PROPN
ajmri-6067	334	12	,	,	PUNCT
ajmri-6067	334	13	tarshis	tarshis	NOUN
ajmri-6067	334	14	,	,	PUNCT
ajmri-6067	334	15	l.	l.	PROPN
ajmri-6067	334	16	a.	a.	PROPN
ajmri-6067	334	17	,	,	PUNCT
ajmri-6067	334	18	&	&	CCONJ
ajmri-6067	334	19	dominick	dominick	PROPN
ajmri-6067	334	20	,	,	PUNCT
ajmri-6067	334	21	p.	p.	PROPN
ajmri-6067	334	22	(	(	PUNCT
ajmri-6067	334	23	1996	1996	NUM
ajmri-6067	334	24	)	)	PUNCT
ajmri-6067	334	25	.	.	PUNCT
ajmri-6067	335	1	managing	manage	VERB
ajmri-6067	335	2	innovation	innovation	NOUN
ajmri-6067	335	3	:	:	PUNCT
ajmri-6067	335	4	lessons	lesson	NOUN
ajmri-6067	335	5	from	from	ADP
ajmri-6067	335	6	world	world	NOUN
ajmri-6067	335	7	-	-	PUNCT
ajmri-6067	335	8	class	class	NOUN
ajmri-6067	335	9	organizations	organization	NOUN
ajmri-6067	335	10	.	.	PUNCT
ajmri-6067	336	1	international	international	ADJ
ajmri-6067	336	2	journal	journal	PROPN
ajmri-6067	336	3	of	of	ADP
ajmri-6067	336	4	technology	technology	NOUN
ajmri-6067	336	5	management	management	NOUN
ajmri-6067	336	6	,	,	PUNCT
ajmri-6067	336	7	11(3–4	11(3–4	NUM
ajmri-6067	336	8	)	)	PUNCT
ajmri-6067	336	9	,	,	PUNCT
ajmri-6067	336	10	354–368	354–368	NUM
ajmri-6067	336	11	.	.	PUNCT
ajmri-6067	337	1	mihić	mihić	PROPN
ajmri-6067	337	2	,	,	PUNCT
ajmri-6067	337	3	m.	m.	NOUN
ajmri-6067	337	4	,	,	PUNCT
ajmri-6067	337	5	ostojić	ostojić	NOUN
ajmri-6067	337	6	,	,	PUNCT
ajmri-6067	337	7	a.	a.	NOUN
ajmri-6067	337	8	,	,	PUNCT
ajmri-6067	337	9	umihanić	umihanić	PROPN
ajmri-6067	337	10	,	,	PUNCT
ajmri-6067	337	11	b.	b.	PROPN
ajmri-6067	337	12	,	,	PUNCT
ajmri-6067	337	13	&	&	CCONJ
ajmri-6067	337	14	fazlović	fazlović	PROPN
ajmri-6067	337	15	,	,	PUNCT
ajmri-6067	337	16	s.	s.	PROPN
ajmri-6067	337	17	(	(	PUNCT
ajmri-6067	337	18	2015	2015	NUM
ajmri-6067	337	19	)	)	PUNCT
ajmri-6067	337	20	.	.	PUNCT
ajmri-6067	338	1	the	the	DET
ajmri-6067	338	2	role	role	NOUN
ajmri-6067	338	3	of	of	ADP
ajmri-6067	338	4	organizational	organizational	ADJ
ajmri-6067	338	5	innovation	innovation	NOUN
ajmri-6067	338	6	in	in	ADP
ajmri-6067	338	7	achieving	achieve	VERB
ajmri-6067	338	8	and	and	CCONJ
ajmri-6067	338	9	maintaining	maintain	VERB
ajmri-6067	338	10	company	company	NOUN
ajmri-6067	338	11	’s	’s	PART
ajmri-6067	338	12	business	business	NOUN
ajmri-6067	338	13	excellence	excellence	PROPN
ajmri-6067	338	14	.	.	PUNCT
ajmri-6067	339	1	economic	economic	ADJ
ajmri-6067	339	2	review	review	NOUN
ajmri-6067	339	3	,	,	PUNCT
ajmri-6067	339	4	20(1	20(1	NUM
ajmri-6067	339	5	)	)	PUNCT
ajmri-6067	339	6	,	,	PUNCT
ajmri-6067	339	7	79–100	79–100	PROPN
ajmri-6067	339	8	.	.	PUNCT
ajmri-6067	340	1	nguena	nguena	PROPN
ajmri-6067	340	2	,	,	PUNCT
ajmri-6067	340	3	c.	c.	PROPN
ajmri-6067	340	4	l.	l.	PROPN
ajmri-6067	340	5	(	(	PUNCT
ajmri-6067	340	6	2015	2015	NUM
ajmri-6067	340	7	)	)	PUNCT
ajmri-6067	340	8	.	.	PUNCT
ajmri-6067	341	1	boosting	boost	VERB
ajmri-6067	341	2	investment	investment	NOUN
ajmri-6067	341	3	and	and	CCONJ
ajmri-6067	341	4	business	business	NOUN
ajmri-6067	341	5	environment	environment	NOUN
ajmri-6067	341	6	in	in	ADP
ajmri-6067	341	7	africa	africa	PROPN
ajmri-6067	341	8	today	today	NOUN
ajmri-6067	341	9	:	:	PUNCT
ajmri-6067	341	10	mobile	mobile	ADJ
ajmri-6067	341	11	banking	banking	NOUN
ajmri-6067	341	12	as	as	ADP
ajmri-6067	341	13	an	an	DET
ajmri-6067	341	14	optimal	optimal	ADJ
ajmri-6067	341	15	strategy	strategy	NOUN
ajmri-6067	341	16	for	for	ADP
ajmri-6067	341	17	financial	financial	ADJ
ajmri-6067	341	18	inclusion	inclusion	NOUN
ajmri-6067	341	19	.	.	PUNCT
ajmri-6067	342	1	http://nguena.blogspot	http://nguena.blogspot	X
ajmri-6067	342	2	.	.	PUNCT
ajmri-6067	342	3	com	com	NOUN
ajmri-6067	342	4	nguena	nguena	PROPN
ajmri-6067	342	5	,	,	PUNCT
ajmri-6067	342	6	c.	c.	PROPN
ajmri-6067	342	7	l.	l.	PROPN
ajmri-6067	342	8	(	(	PUNCT
ajmri-6067	342	9	2019	2019	NUM
ajmri-6067	342	10	)	)	PUNCT
ajmri-6067	342	11	.	.	PUNCT
ajmri-6067	343	1	financial	financial	ADJ
ajmri-6067	343	2	innovation	innovation	NOUN
ajmri-6067	343	3	in	in	ADP
ajmri-6067	343	4	developing	develop	VERB
ajmri-6067	343	5	countries	country	NOUN
ajmri-6067	343	6	:	:	PUNCT
ajmri-6067	343	7	the	the	DET
ajmri-6067	343	8	determinants	determinant	NOUN
ajmri-6067	343	9	of	of	ADP
ajmri-6067	343	10	mobile	mobile	ADJ
ajmri-6067	343	11	banking	banking	NOUN
ajmri-6067	343	12	in	in	ADP
ajmri-6067	343	13	africa	africa	PROPN
ajmri-6067	343	14	.	.	PUNCT
ajmri-6067	344	1	economic	economic	ADJ
ajmri-6067	344	2	literature	literature	NOUN
ajmri-6067	344	3	.	.	PUNCT
ajmri-6067	345	1	https://ideas.repec.org/a/cai/	https://ideas.repec.org/a/cai/	NOUN
ajmri-6067	345	2	jiedbu	jiedbu	NOUN
ajmri-6067	345	3	/	/	SYM
ajmri-6067	345	4	jie_029_0069.html	jie_029_0069.html	PROPN
ajmri-6067	345	5	nguena	nguena	NOUN
ajmri-6067	345	6	,	,	PUNCT
ajmri-6067	345	7	c.	c.	PROPN
ajmri-6067	345	8	l.	l.	PROPN
ajmri-6067	345	9	(	(	PUNCT
ajmri-6067	345	10	2019	2019	NUM
ajmri-6067	345	11	)	)	PUNCT
ajmri-6067	345	12	.	.	PUNCT
ajmri-6067	346	1	mobile	mobile	ADJ
ajmri-6067	346	2	financial	financial	ADJ
ajmri-6067	346	3	and	and	CCONJ
ajmri-6067	346	4	banking	banking	NOUN
ajmri-6067	346	5	services	service	NOUN
ajmri-6067	346	6	development	development	NOUN
ajmri-6067	346	7	in	in	ADP
ajmri-6067	346	8	africa	africa	PROPN
ajmri-6067	346	9	.	.	PUNCT
ajmri-6067	347	1	working	work	VERB
ajmri-6067	347	2	paper	paper	NOUN
ajmri-6067	347	3	for	for	ADP
ajmri-6067	347	4	the	the	DET
ajmri-6067	347	5	african	african	PROPN
ajmri-6067	347	6	development	development	PROPN
ajmri-6067	347	7	bank	bank	PROPN
ajmri-6067	347	8	group	group	NOUN
ajmri-6067	347	9	.	.	PUNCT
ajmri-6067	348	1	https://www.afdb.org/en/	https://www.afdb.org/en/	PROPN
ajmri-6067	348	2	documents	document	NOUN
ajmri-6067	348	3	/	/	SYM
ajmri-6067	348	4	publications	publication	NOUN
ajmri-6067	348	5	/	/	SYM
ajmri-6067	348	6	working	work	VERB
ajmri-6067	348	7	-	-	PUNCT
ajmri-6067	348	8	paper	paper	NOUN
ajmri-6067	348	9	-	-	PUNCT
ajmri-6067	348	10	series	series	NOUN
ajmri-6067	348	11	no	no	DET
ajmri-6067	348	12	condition	condition	NOUN
ajmri-6067	348	13	is	be	AUX
ajmri-6067	348	14	permanent	permanent	ADJ
ajmri-6067	348	15	:	:	PUNCT
ajmri-6067	348	16	middle	middle	ADJ
ajmri-6067	348	17	class	class	NOUN
ajmri-6067	348	18	in	in	ADP
ajmri-6067	348	19	nigeria	nigeria	PROPN
ajmri-6067	348	20	in	in	ADP
ajmri-6067	348	21	the	the	DET
ajmri-6067	348	22	last	last	ADJ
ajmri-6067	348	23	decade	decade	NOUN
ajmri-6067	348	24	.	.	PUNCT
ajmri-6067	349	1	(	(	PUNCT
ajmri-6067	349	2	2015	2015	NUM
ajmri-6067	349	3	)	)	PUNCT
ajmri-6067	349	4	.	.	PUNCT
ajmri-6067	350	1	world	world	PROPN
ajmri-6067	350	2	bank	bank	PROPN
ajmri-6067	350	3	policy	policy	NOUN
ajmri-6067	350	4	research	research	NOUN
ajmri-6067	350	5	working	working	NOUN
ajmri-6067	350	6	paper	paper	NOUN
ajmri-6067	350	7	7214	7214	NUM
ajmri-6067	350	8	.	.	PUNCT
ajmri-6067	351	1	https://openknowledge.worldbank	https://openknowledge.worldbank	PROPN
ajmri-6067	351	2	.	.	PUNCT
ajmri-6067	352	1	org	org	ADJ
ajmri-6067	352	2	/	/	SYM
ajmri-6067	352	3	bitstream	bitstream	NOUN
ajmri-6067	352	4	/	/	SYM
ajmri-6067	352	5	handle/10986/21653	handle/10986/21653	NOUN
ajmri-6067	352	6	/	/	SYM
ajmri-6067	352	7	wps7214	wps7214	ADJ
ajmri-6067	352	8	.	.	PUNCT
ajmri-6067	353	1	pdf?sequence=1&isallowed	pdf?sequence=1&isallowed	PROPN
ajmri-6067	353	2	=	=	PROPN
ajmri-6067	353	3	y	y	NUM
ajmri-6067	353	4	oke	oke	NOUN
ajmri-6067	353	5	,	,	PUNCT
ajmri-6067	353	6	a.	a.	NOUN
ajmri-6067	353	7	(	(	PUNCT
ajmri-6067	353	8	2002	2002	NUM
ajmri-6067	353	9	)	)	PUNCT
ajmri-6067	353	10	.	.	PUNCT
ajmri-6067	354	1	making	make	VERB
ajmri-6067	354	2	it	it	PRON
ajmri-6067	354	3	happen	happen	VERB
ajmri-6067	354	4	:	:	PUNCT
ajmri-6067	354	5	how	how	SCONJ
ajmri-6067	354	6	to	to	PART
ajmri-6067	354	7	improve	improve	VERB
ajmri-6067	354	8	innovative	innovative	ADJ
ajmri-6067	354	9	capability	capability	NOUN
ajmri-6067	354	10	in	in	ADP
ajmri-6067	354	11	a	a	DET
ajmri-6067	354	12	service	service	NOUN
ajmri-6067	354	13	company	company	NOUN
ajmri-6067	354	14	.	.	PUNCT
ajmri-6067	355	1	journal	journal	PROPN
ajmri-6067	355	2	of	of	ADP
ajmri-6067	355	3	change	change	NOUN
ajmri-6067	355	4	management	management	NOUN
ajmri-6067	355	5	,	,	PUNCT
ajmri-6067	355	6	2(3	2(3	NUM
ajmri-6067	355	7	)	)	PUNCT
ajmri-6067	355	8	,	,	PUNCT
ajmri-6067	355	9	272–281	272–281	NUM
ajmri-6067	355	10	.	.	X
ajmri-6067	355	11	pavón	pavón	PROPN
ajmri-6067	355	12	,	,	PUNCT
ajmri-6067	355	13	j.	j.	PROPN
ajmri-6067	355	14	a.	a.	PROPN
ajmri-6067	355	15	t.	t.	PROPN
ajmri-6067	355	16	(	(	PUNCT
ajmri-6067	355	17	2009	2009	NUM
ajmri-6067	355	18	)	)	PUNCT
ajmri-6067	355	19	.	.	PUNCT
ajmri-6067	356	1	entrepreneurship	entrepreneurship	NOUN
ajmri-6067	356	2	and	and	CCONJ
ajmri-6067	356	3	the	the	DET
ajmri-6067	356	4	business	business	NOUN
ajmri-6067	356	5	plan	plan	NOUN
ajmri-6067	356	6	.	.	PUNCT
ajmri-6067	357	1	https://www.diva-portal.org/smash/get/	https://www.diva-portal.org/smash/get/	NUM
ajmri-6067	357	2	diva2:228358	diva2:228358	NOUN
ajmri-6067	357	3	/	/	SYM
ajmri-6067	357	4	fulltext01.pdf	fulltext01.pdf	PROPN
ajmri-6067	357	5	petralia	petralia	PROPN
ajmri-6067	357	6	,	,	PUNCT
ajmri-6067	357	7	k.	k.	PROPN
ajmri-6067	357	8	,	,	PUNCT
ajmri-6067	357	9	philippon	philippon	PROPN
ajmri-6067	357	10	,	,	PUNCT
ajmri-6067	357	11	t.	t.	PROPN
ajmri-6067	357	12	,	,	PUNCT
ajmri-6067	357	13	rice	rice	NOUN
ajmri-6067	357	14	,	,	PUNCT
ajmri-6067	357	15	t.	t.	PROPN
ajmri-6067	357	16	,	,	PUNCT
ajmri-6067	357	17	&	&	CCONJ
ajmri-6067	357	18	veron	veron	PROPN
ajmri-6067	357	19	,	,	PUNCT
ajmri-6067	357	20	n.	n.	PROPN
ajmri-6067	357	21	(	(	PUNCT
ajmri-6067	357	22	2019	2019	NUM
ajmri-6067	357	23	)	)	PUNCT
ajmri-6067	357	24	.	.	PUNCT
ajmri-6067	358	1	banking	banking	NOUN
ajmri-6067	358	2	disrupted	disrupt	VERB
ajmri-6067	358	3	?	?	PUNCT
ajmri-6067	359	1	financial	financial	ADJ
ajmri-6067	359	2	intermediation	intermediation	NOUN
ajmri-6067	359	3	in	in	ADP
ajmri-6067	359	4	an	an	DET
ajmri-6067	359	5	era	era	NOUN
ajmri-6067	359	6	of	of	ADP
ajmri-6067	359	7	transformational	transformational	ADJ
ajmri-6067	359	8	technology	technology	NOUN
ajmri-6067	359	9	.	.	PUNCT
ajmri-6067	360	1	geneva	geneva	PROPN
ajmri-6067	360	2	report	report	PROPN
ajmri-6067	360	3	on	on	ADP
ajmri-6067	360	4	the	the	DET
ajmri-6067	360	5	world	world	NOUN
ajmri-6067	360	6	economy	economy	NOUN
ajmri-6067	360	7	.	.	PUNCT
ajmri-6067	361	1	https://cepr.org/system/files/	https://cepr.org/system/files/	NOUN
ajmri-6067	361	2	publication	publication	NOUN
ajmri-6067	361	3	-	-	PUNCT
ajmri-6067	361	4	files/60127	files/60127	NOUN
ajmri-6067	361	5	-	-	PUNCT
ajmri-6067	361	6	geneva_22_banking	geneva_22_banking	NOUN
ajmri-6067	361	7	_	_	NOUN
ajmri-6067	361	8	pa	pa	PROPN
ajmri-6067	361	9	ge	ge	PROPN
ajmri-6067	361	10	57	57	NUM
ajmri-6067	361	11	https://journals.e-palli.com/home/index.php/ajmri	https://journals.e-palli.com/home/index.php/ajmri	PROPN
ajmri-6067	361	12	am	am	NOUN
ajmri-6067	361	13	.	.	PUNCT
ajmri-6067	362	1	j.	j.	PROPN
ajmri-6067	362	2	multidis	multidis	PROPN
ajmri-6067	362	3	.	.	PUNCT
ajmri-6067	363	1	res	re	NOUN
ajmri-6067	363	2	.	.	PUNCT
ajmri-6067	364	1	innov	innov	PROPN
ajmri-6067	364	2	.	.	PUNCT
ajmri-6067	365	1	4(6	4(6	NUM
ajmri-6067	365	2	)	)	PUNCT
ajmri-6067	366	1	48	48	NUM
ajmri-6067	366	2	-	-	SYM
ajmri-6067	366	3	57	57	NUM
ajmri-6067	366	4	,	,	PUNCT
ajmri-6067	366	5	2025	2025	NUM
ajmri-6067	366	6	disrupted_financial_intermediation_in_an_era_of	disrupted_financial_intermediation_in_an_era_of	NUM
ajmri-6067	366	7	_	_	PUNCT
ajmri-6067	366	8	transformational_technology.pdf	transformational_technology.pdf	NOUN
ajmri-6067	366	9	reguia	reguia	NOUN
ajmri-6067	366	10	,	,	PUNCT
ajmri-6067	366	11	c.	c.	PROPN
ajmri-6067	366	12	(	(	PUNCT
ajmri-6067	366	13	2014	2014	NUM
ajmri-6067	366	14	)	)	PUNCT
ajmri-6067	366	15	.	.	PUNCT
ajmri-6067	367	1	product	product	NOUN
ajmri-6067	367	2	innovation	innovation	NOUN
ajmri-6067	367	3	and	and	CCONJ
ajmri-6067	367	4	the	the	DET
ajmri-6067	367	5	competitive	competitive	ADJ
ajmri-6067	367	6	advantage	advantage	NOUN
ajmri-6067	367	7	.	.	PUNCT
ajmri-6067	368	1	european	european	ADJ
ajmri-6067	368	2	scientific	scientific	ADJ
ajmri-6067	368	3	journal	journal	NOUN
ajmri-6067	368	4	,	,	PUNCT
ajmri-6067	368	5	special	special	ADJ
ajmri-6067	368	6	edition	edition	NOUN
ajmri-6067	368	7	,	,	PUNCT
ajmri-6067	368	8	1	1	NUM
ajmri-6067	368	9	,	,	PUNCT
ajmri-6067	368	10	1–10	1–10	NOUN
ajmri-6067	368	11	.	.	PUNCT
ajmri-6067	369	1	https://core.ac.uk/download/pdf/328024363	https://core.ac.uk/download/pdf/328024363	PROPN
ajmri-6067	369	2	.	.	PUNCT
ajmri-6067	370	1	pdf	pdf	NOUN
ajmri-6067	370	2	smollan	smollan	PROPN
ajmri-6067	370	3	,	,	PUNCT
ajmri-6067	370	4	r.	r.	PROPN
ajmri-6067	370	5	(	(	PUNCT
ajmri-6067	370	6	2011	2011	NUM
ajmri-6067	370	7	)	)	PUNCT
ajmri-6067	370	8	.	.	PUNCT
ajmri-6067	371	1	the	the	DET
ajmri-6067	371	2	multi	multi	ADJ
ajmri-6067	371	3	-	-	ADJ
ajmri-6067	371	4	dimensional	dimensional	ADJ
ajmri-6067	371	5	nature	nature	NOUN
ajmri-6067	371	6	of	of	ADP
ajmri-6067	371	7	change	change	NOUN
ajmri-6067	371	8	.	.	PUNCT
ajmri-6067	372	1	faculty	faculty	NOUN
ajmri-6067	372	2	of	of	ADP
ajmri-6067	372	3	business	business	NOUN
ajmri-6067	372	4	and	and	CCONJ
ajmri-6067	372	5	law	law	NOUN
ajmri-6067	372	6	,	,	PUNCT
ajmri-6067	372	7	auckland	auckland	PROPN
ajmri-6067	372	8	university	university	PROPN
ajmri-6067	372	9	of	of	ADP
ajmri-6067	372	10	technology	technology	NOUN
ajmri-6067	372	11	,	,	PUNCT
ajmri-6067	372	12	17	17	NUM
ajmri-6067	372	13	,	,	PUNCT
ajmri-6067	372	14	1–20	1–20	PROPN
ajmri-6067	372	15	.	.	PUNCT
ajmri-6067	372	16	https://www.researchgate.net/	https://www.researchgate.net/	PROPN
ajmri-6067	372	17	profile	profile	PROPN
ajmri-6067	372	18	/	/	SYM
ajmri-6067	372	19	roy	roy	NOUN
ajmri-6067	372	20	-	-	PUNCT
ajmri-6067	372	21	smollan	smollan	NOUN
ajmri-6067	372	22	/	/	SYM
ajmri-6067	372	23	publication/271151111_the	publication/271151111_the	NOUN
ajmri-6067	372	24	_	_	NOUN
ajmri-6067	372	25	multi	multi	ADJ
ajmri-6067	372	26	-	-	ADJ
ajmri-6067	372	27	dimensional_nature_of_resistance_to_change/	dimensional_nature_of_resistance_to_change/	ADJ
ajmri-6067	372	28	links/55cbac3408aeb975674c80f2	links/55cbac3408aeb975674c80f2	NOUN
ajmri-6067	372	29	/	/	SYM
ajmri-6067	372	30	the	the	DET
ajmri-6067	372	31	-	-	PUNCT
ajmri-6067	372	32	multidimensional	multidimensional	ADJ
ajmri-6067	372	33	-	-	PUNCT
ajmri-6067	372	34	nature	nature	NOUN
ajmri-6067	372	35	-	-	PUNCT
ajmri-6067	372	36	of	of	ADP
ajmri-6067	372	37	-	-	PUNCT
ajmri-6067	372	38	resistance	resistance	NOUN
ajmri-6067	372	39	-	-	PUNCT
ajmri-6067	372	40	to	to	ADP
ajmri-6067	372	41	-	-	PUNCT
ajmri-6067	372	42	change.pdf	change.pdf	X
ajmri-6067	372	43	zhang	zhang	PROPN
ajmri-6067	372	44	,	,	PUNCT
ajmri-6067	372	45	x.	x.	PROPN
ajmri-6067	372	46	,	,	PUNCT
ajmri-6067	372	47	li	li	PROPN
ajmri-6067	372	48	,	,	PUNCT
ajmri-6067	372	49	y.	y.	PROPN
ajmri-6067	372	50	,	,	PUNCT
ajmri-6067	372	51	&	&	CCONJ
ajmri-6067	372	52	wang	wang	PROPN
ajmri-6067	372	53	,	,	PUNCT
ajmri-6067	372	54	j.	j.	PROPN
ajmri-6067	372	55	(	(	PUNCT
ajmri-6067	372	56	2023	2023	NUM
ajmri-6067	372	57	)	)	PUNCT
ajmri-6067	372	58	.	.	PUNCT
ajmri-6067	373	1	digital	digital	ADJ
ajmri-6067	373	2	finance	finance	PROPN
ajmri-6067	373	3	and	and	CCONJ
ajmri-6067	373	4	financial	financial	ADJ
ajmri-6067	373	5	literacy	literacy	NOUN
ajmri-6067	373	6	:	:	PUNCT
ajmri-6067	373	7	evidence	evidence	NOUN
ajmri-6067	373	8	from	from	ADP
ajmri-6067	373	9	chinese	chinese	ADJ
ajmri-6067	373	10	households	household	NOUN
ajmri-6067	373	11	.	.	PUNCT
ajmri-6067	374	1	journal	journal	NOUN
ajmri-6067	374	2	of	of	ADP
ajmri-6067	374	3	banking	banking	NOUN
ajmri-6067	374	4	&	&	CCONJ
ajmri-6067	374	5	finance	finance	PROPN
ajmri-6067	374	6	,	,	PUNCT
ajmri-6067	374	7	156	156	NUM
ajmri-6067	374	8	,	,	PUNCT
ajmri-6067	374	9	107005	107005	NUM
ajmri-6067	374	10	.	.	PUNCT