id	sid	tid	token	lemma	pos
ajpdis-3310	1	1	370	370	NUM
ajpdis-3310	1	2	american	american	ADJ
ajpdis-3310	1	3	journal	journal	NOUN
ajpdis-3310	1	4	of	of	ADP
ajpdis-3310	1	5	public	public	ADJ
ajpdis-3310	1	6	diplomacy	diplomacy	NOUN
ajpdis-3310	1	7	and	and	CCONJ
ajpdis-3310	1	8	international	international	ADJ
ajpdis-3310	1	9	studies	study	NOUN
ajpdis-3310	1	10	www	www	PROPN
ajpdis-3310	1	11	.	.	PROPN
ajpdis-3310	2	1	grnjournal.us	grnjournal.us	PROPN
ajpdis-3310	2	2	american	american	PROPN
ajpdis-3310	2	3	journal	journal	PROPN
ajpdis-3310	2	4	of	of	ADP
ajpdis-3310	2	5	public	public	ADJ
ajpdis-3310	2	6	diplomacy	diplomacy	NOUN
ajpdis-3310	2	7	and	and	CCONJ
ajpdis-3310	2	8	international	international	ADJ
ajpdis-3310	2	9	studies	study	NOUN
ajpdis-3310	2	10	volume	volume	NOUN
ajpdis-3310	2	11	02	02	NUM
ajpdis-3310	2	12	,	,	PUNCT
ajpdis-3310	2	13	issue	issue	NOUN
ajpdis-3310	2	14	02	02	NUM
ajpdis-3310	2	15	,	,	PUNCT
ajpdis-3310	2	16	2024	2024	NUM
ajpdis-3310	2	17	issn	issn	X
ajpdis-3310	2	18	(	(	PUNCT
ajpdis-3310	2	19	e	e	NOUN
ajpdis-3310	2	20	):	):	PUNCT
ajpdis-3310	2	21	2993	2993	NUM
ajpdis-3310	2	22	-	-	SYM
ajpdis-3310	2	23	2157	2157	NUM
ajpdis-3310	2	24	problems	problem	NOUN
ajpdis-3310	2	25	in	in	ADP
ajpdis-3310	2	26	the	the	DET
ajpdis-3310	2	27	implementation	implementation	NOUN
ajpdis-3310	2	28	of	of	ADP
ajpdis-3310	2	29	transformation	transformation	NOUN
ajpdis-3310	2	30	processes	process	NOUN
ajpdis-3310	2	31	of	of	ADP
ajpdis-3310	2	32	commercial	commercial	ADJ
ajpdis-3310	2	33	banks	bank	NOUN
ajpdis-3310	2	34	gulamova	gulamova	VERB
ajpdis-3310	2	35	iroda	iroda	PROPN
ajpdis-3310	2	36	ziyovuddin	ziyovuddin	VERB
ajpdis-3310	2	37	qizi	qizi	PROPN
ajpdis-3310	2	38	3rd	3rd	ADJ
ajpdis-3310	2	39	year	year	NOUN
ajpdis-3310	2	40	student	student	NOUN
ajpdis-3310	2	41	of	of	ADP
ajpdis-3310	2	42	“	"	PUNCT
ajpdis-3310	2	43	banking	banking	NOUN
ajpdis-3310	2	44	and	and	CCONJ
ajpdis-3310	2	45	audit	audit	NOUN
ajpdis-3310	2	46	”	"	PUNCT
ajpdis-3310	2	47	tashkent	tashkent	PROPN
ajpdis-3310	2	48	state	state	PROPN
ajpdis-3310	2	49	university	university	PROPN
ajpdis-3310	2	50	of	of	ADP
ajpdis-3310	2	51	economics	economics	PROPN
ajpdis-3310	2	52	iroda.gulamova@tsue.uz	iroda.gulamova@tsue.uz	PROPN
ajpdis-3310	2	53	annotation	annotation	NOUN
ajpdis-3310	2	54	:	:	PUNCT
ajpdis-3310	2	55	this	this	DET
ajpdis-3310	2	56	document	document	NOUN
ajpdis-3310	2	57	discusses	discuss	VERB
ajpdis-3310	2	58	uzbekistan	uzbekistan	PROPN
ajpdis-3310	2	59	's	's	PART
ajpdis-3310	2	60	digital	digital	ADJ
ajpdis-3310	2	61	transformation	transformation	NOUN
ajpdis-3310	2	62	and	and	CCONJ
ajpdis-3310	2	63	privatization	privatization	NOUN
ajpdis-3310	2	64	in	in	ADP
ajpdis-3310	2	65	banking	banking	NOUN
ajpdis-3310	2	66	.	.	PUNCT
ajpdis-3310	3	1	phased	phase	VERB
ajpdis-3310	3	2	actions	action	NOUN
ajpdis-3310	3	3	,	,	PUNCT
ajpdis-3310	3	4	supported	support	VERB
ajpdis-3310	3	5	by	by	ADP
ajpdis-3310	3	6	presidential	presidential	ADJ
ajpdis-3310	3	7	decrees	decree	NOUN
ajpdis-3310	3	8	,	,	PUNCT
ajpdis-3310	3	9	emphasize	emphasize	VERB
ajpdis-3310	3	10	their	their	PRON
ajpdis-3310	3	11	role	role	NOUN
ajpdis-3310	3	12	in	in	ADP
ajpdis-3310	3	13	shaping	shape	VERB
ajpdis-3310	3	14	the	the	DET
ajpdis-3310	3	15	digital	digital	ADJ
ajpdis-3310	3	16	economy	economy	NOUN
ajpdis-3310	3	17	.	.	PUNCT
ajpdis-3310	4	1	challenges	challenge	NOUN
ajpdis-3310	4	2	include	include	VERB
ajpdis-3310	4	3	a	a	DET
ajpdis-3310	4	4	skilled	skilled	ADJ
ajpdis-3310	4	5	workforce	workforce	NOUN
ajpdis-3310	4	6	shortage	shortage	NOUN
ajpdis-3310	4	7	,	,	PUNCT
ajpdis-3310	4	8	funding	funding	NOUN
ajpdis-3310	4	9	constraints	constraint	NOUN
ajpdis-3310	4	10	,	,	PUNCT
ajpdis-3310	4	11	security	security	NOUN
ajpdis-3310	4	12	issues	issue	NOUN
ajpdis-3310	4	13	,	,	PUNCT
ajpdis-3310	4	14	and	and	CCONJ
ajpdis-3310	4	15	resistance	resistance	NOUN
ajpdis-3310	4	16	to	to	PART
ajpdis-3310	4	17	change	change	VERB
ajpdis-3310	4	18	.	.	PUNCT
ajpdis-3310	5	1	stages	stage	NOUN
ajpdis-3310	5	2	of	of	ADP
ajpdis-3310	5	3	digitization	digitization	NOUN
ajpdis-3310	5	4	,	,	PUNCT
ajpdis-3310	5	5	capitalization	capitalization	NOUN
ajpdis-3310	5	6	impact	impact	NOUN
ajpdis-3310	5	7	,	,	PUNCT
ajpdis-3310	5	8	and	and	CCONJ
ajpdis-3310	5	9	a	a	DET
ajpdis-3310	5	10	proposed	propose	VERB
ajpdis-3310	5	11	privatization	privatization	NOUN
ajpdis-3310	5	12	strategy	strategy	NOUN
ajpdis-3310	5	13	are	be	AUX
ajpdis-3310	5	14	explored	explore	VERB
ajpdis-3310	5	15	.	.	PUNCT
ajpdis-3310	6	1	the	the	DET
ajpdis-3310	6	2	systematic	systematic	ADJ
ajpdis-3310	6	3	,	,	PUNCT
ajpdis-3310	6	4	long	long	ADJ
ajpdis-3310	6	5	-	-	PUNCT
ajpdis-3310	6	6	term	term	NOUN
ajpdis-3310	6	7	approach	approach	NOUN
ajpdis-3310	6	8	is	be	AUX
ajpdis-3310	6	9	vital	vital	ADJ
ajpdis-3310	6	10	,	,	PUNCT
ajpdis-3310	6	11	and	and	CCONJ
ajpdis-3310	6	12	keywords	keyword	NOUN
ajpdis-3310	6	13	encapsulate	encapsulate	VERB
ajpdis-3310	6	14	core	core	ADJ
ajpdis-3310	6	15	themes	theme	NOUN
ajpdis-3310	6	16	.	.	PUNCT
ajpdis-3310	7	1	uzbekistan	uzbekistan	PROPN
ajpdis-3310	7	2	positions	position	VERB
ajpdis-3310	7	3	itself	itself	PRON
ajpdis-3310	7	4	for	for	ADP
ajpdis-3310	7	5	sustained	sustained	ADJ
ajpdis-3310	7	6	growth	growth	NOUN
ajpdis-3310	7	7	and	and	CCONJ
ajpdis-3310	7	8	global	global	ADJ
ajpdis-3310	7	9	competitiveness	competitiveness	NOUN
ajpdis-3310	7	10	amid	amid	ADP
ajpdis-3310	7	11	dynamic	dynamic	ADJ
ajpdis-3310	7	12	shifts	shift	NOUN
ajpdis-3310	7	13	in	in	ADP
ajpdis-3310	7	14	its	its	PRON
ajpdis-3310	7	15	banking	banking	NOUN
ajpdis-3310	7	16	sector	sector	NOUN
ajpdis-3310	7	17	.	.	PUNCT
ajpdis-3310	8	1	keywords	keyword	NOUN
ajpdis-3310	8	2	:	:	PUNCT
ajpdis-3310	8	3	digital	digital	ADJ
ajpdis-3310	8	4	transformation	transformation	NOUN
ajpdis-3310	8	5	,	,	PUNCT
ajpdis-3310	8	6	privatization	privatization	NOUN
ajpdis-3310	8	7	,	,	PUNCT
ajpdis-3310	8	8	banking	banking	NOUN
ajpdis-3310	8	9	sector	sector	NOUN
ajpdis-3310	8	10	,	,	PUNCT
ajpdis-3310	8	11	uzbekistan	uzbekistan	PROPN
ajpdis-3310	8	12	,	,	PUNCT
ajpdis-3310	8	13	presidential	presidential	ADJ
ajpdis-3310	8	14	decrees	decree	NOUN
ajpdis-3310	8	15	,	,	PUNCT
ajpdis-3310	8	16	challenges	challenge	NOUN
ajpdis-3310	8	17	,	,	PUNCT
ajpdis-3310	8	18	central	central	ADJ
ajpdis-3310	8	19	bank	bank	NOUN
ajpdis-3310	8	20	,	,	PUNCT
ajpdis-3310	8	21	capitalization	capitalization	NOUN
ajpdis-3310	8	22	,	,	PUNCT
ajpdis-3310	8	23	international	international	ADJ
ajpdis-3310	8	24	collaboration	collaboration	NOUN
ajpdis-3310	8	25	..	..	PUNCT
ajpdis-3310	9	1	the	the	DET
ajpdis-3310	9	2	digital	digital	ADJ
ajpdis-3310	9	3	transformation	transformation	NOUN
ajpdis-3310	9	4	process	process	NOUN
ajpdis-3310	9	5	of	of	ADP
ajpdis-3310	9	6	the	the	DET
ajpdis-3310	9	7	banking	banking	NOUN
ajpdis-3310	9	8	sector	sector	NOUN
ajpdis-3310	9	9	in	in	ADP
ajpdis-3310	9	10	the	the	DET
ajpdis-3310	9	11	republic	republic	NOUN
ajpdis-3310	9	12	of	of	ADP
ajpdis-3310	9	13	uzbekistan	uzbekistan	PROPN
ajpdis-3310	9	14	serves	serve	VERB
ajpdis-3310	9	15	as	as	ADP
ajpdis-3310	9	16	the	the	DET
ajpdis-3310	9	17	foundation	foundation	NOUN
ajpdis-3310	9	18	for	for	ADP
ajpdis-3310	9	19	the	the	DET
ajpdis-3310	9	20	development	development	NOUN
ajpdis-3310	9	21	of	of	ADP
ajpdis-3310	9	22	the	the	DET
ajpdis-3310	9	23	digital	digital	ADJ
ajpdis-3310	9	24	economy	economy	NOUN
ajpdis-3310	9	25	.	.	PUNCT
ajpdis-3310	10	1	the	the	DET
ajpdis-3310	10	2	transformation	transformation	NOUN
ajpdis-3310	10	3	in	in	ADP
ajpdis-3310	10	4	financial	financial	ADJ
ajpdis-3310	10	5	institutions	institution	NOUN
ajpdis-3310	10	6	involves	involve	VERB
ajpdis-3310	10	7	a	a	DET
ajpdis-3310	10	8	broad	broad	ADJ
ajpdis-3310	10	9	spectrum	spectrum	NOUN
ajpdis-3310	10	10	of	of	ADP
ajpdis-3310	10	11	phased	phase	VERB
ajpdis-3310	10	12	actions	action	NOUN
ajpdis-3310	10	13	,	,	PUNCT
ajpdis-3310	10	14	resulting	result	VERB
ajpdis-3310	10	15	in	in	ADP
ajpdis-3310	10	16	the	the	DET
ajpdis-3310	10	17	identification	identification	NOUN
ajpdis-3310	10	18	of	of	ADP
ajpdis-3310	10	19	an	an	DET
ajpdis-3310	10	20	optimal	optimal	ADJ
ajpdis-3310	10	21	digital	digital	ADJ
ajpdis-3310	10	22	strategy	strategy	NOUN
ajpdis-3310	10	23	.	.	PUNCT
ajpdis-3310	11	1	the	the	DET
ajpdis-3310	11	2	development	development	NOUN
ajpdis-3310	11	3	and	and	CCONJ
ajpdis-3310	11	4	implementation	implementation	NOUN
ajpdis-3310	11	5	of	of	ADP
ajpdis-3310	11	6	this	this	DET
ajpdis-3310	11	7	strategy	strategy	NOUN
ajpdis-3310	11	8	require	require	VERB
ajpdis-3310	11	9	consideration	consideration	NOUN
ajpdis-3310	11	10	of	of	ADP
ajpdis-3310	11	11	the	the	DET
ajpdis-3310	11	12	specific	specific	ADJ
ajpdis-3310	11	13	characteristics	characteristic	NOUN
ajpdis-3310	11	14	of	of	ADP
ajpdis-3310	11	15	each	each	DET
ajpdis-3310	11	16	organization	organization	NOUN
ajpdis-3310	11	17	.	.	PUNCT
ajpdis-3310	12	1	it	it	PRON
ajpdis-3310	12	2	is	be	AUX
ajpdis-3310	12	3	worth	worth	ADJ
ajpdis-3310	12	4	noting	note	VERB
ajpdis-3310	12	5	that	that	SCONJ
ajpdis-3310	12	6	the	the	DET
ajpdis-3310	12	7	rapid	rapid	ADJ
ajpdis-3310	12	8	advancement	advancement	NOUN
ajpdis-3310	12	9	and	and	CCONJ
ajpdis-3310	12	10	improvement	improvement	NOUN
ajpdis-3310	12	11	in	in	ADP
ajpdis-3310	12	12	the	the	DET
ajpdis-3310	12	13	quality	quality	NOUN
ajpdis-3310	12	14	of	of	ADP
ajpdis-3310	12	15	financial	financial	ADJ
ajpdis-3310	12	16	institutions	institution	NOUN
ajpdis-3310	12	17	,	,	PUNCT
ajpdis-3310	12	18	crucial	crucial	ADJ
ajpdis-3310	12	19	for	for	ADP
ajpdis-3310	12	20	the	the	DET
ajpdis-3310	12	21	growth	growth	NOUN
ajpdis-3310	12	22	of	of	ADP
ajpdis-3310	12	23	national	national	ADJ
ajpdis-3310	12	24	competitiveness	competitiveness	NOUN
ajpdis-3310	12	25	,	,	PUNCT
ajpdis-3310	12	26	are	be	AUX
ajpdis-3310	12	27	driven	drive	VERB
ajpdis-3310	12	28	by	by	ADP
ajpdis-3310	12	29	structural	structural	ADJ
ajpdis-3310	12	30	transformations	transformation	NOUN
ajpdis-3310	12	31	in	in	ADP
ajpdis-3310	12	32	the	the	DET
ajpdis-3310	12	33	banking	banking	NOUN
ajpdis-3310	12	34	and	and	CCONJ
ajpdis-3310	12	35	financial	financial	ADJ
ajpdis-3310	12	36	sector	sector	NOUN
ajpdis-3310	12	37	.	.	PUNCT
ajpdis-3310	13	1	these	these	DET
ajpdis-3310	13	2	transformations	transformation	NOUN
ajpdis-3310	13	3	aim	aim	VERB
ajpdis-3310	13	4	to	to	PART
ajpdis-3310	13	5	ensure	ensure	VERB
ajpdis-3310	13	6	sustainable	sustainable	ADJ
ajpdis-3310	13	7	long	long	ADJ
ajpdis-3310	13	8	-	-	PUNCT
ajpdis-3310	13	9	term	term	NOUN
ajpdis-3310	13	10	economic	economic	ADJ
ajpdis-3310	13	11	growth	growth	NOUN
ajpdis-3310	13	12	.	.	PUNCT
ajpdis-3310	14	1	the	the	DET
ajpdis-3310	14	2	significance	significance	NOUN
ajpdis-3310	14	3	of	of	ADP
ajpdis-3310	14	4	digital	digital	ADJ
ajpdis-3310	14	5	transformation	transformation	NOUN
ajpdis-3310	14	6	and	and	CCONJ
ajpdis-3310	14	7	privatization	privatization	NOUN
ajpdis-3310	14	8	in	in	ADP
ajpdis-3310	14	9	the	the	DET
ajpdis-3310	14	10	banking	banking	NOUN
ajpdis-3310	14	11	system	system	NOUN
ajpdis-3310	14	12	is	be	AUX
ajpdis-3310	14	13	outlined	outline	VERB
ajpdis-3310	14	14	in	in	ADP
ajpdis-3310	14	15	the	the	DET
ajpdis-3310	14	16	presidential	presidential	ADJ
ajpdis-3310	14	17	decree	decree	NOUN
ajpdis-3310	14	18	issued	issue	VERB
ajpdis-3310	14	19	by	by	ADP
ajpdis-3310	14	20	the	the	DET
ajpdis-3310	14	21	president	president	NOUN
ajpdis-3310	14	22	of	of	ADP
ajpdis-3310	14	23	the	the	DET
ajpdis-3310	14	24	republic	republic	NOUN
ajpdis-3310	14	25	of	of	ADP
ajpdis-3310	14	26	uzbekistan	uzbekistan	PROPN
ajpdis-3310	14	27	on	on	ADP
ajpdis-3310	14	28	may	may	PROPN
ajpdis-3310	14	29	12	12	NUM
ajpdis-3310	14	30	,	,	PUNCT
ajpdis-3310	14	31	2020	2020	NUM
ajpdis-3310	14	32	,	,	PUNCT
ajpdis-3310	14	33	under	under	ADP
ajpdis-3310	14	34	the	the	DET
ajpdis-3310	14	35	reference	reference	NOUN
ajpdis-3310	14	36	number	number	NOUN
ajpdis-3310	14	37	pd-5992	pd-5992	NOUN
ajpdis-3310	14	38	titled	title	VERB
ajpdis-3310	14	39	"	"	PUNCT
ajpdis-3310	14	40	on	on	ADP
ajpdis-3310	14	41	the	the	DET
ajpdis-3310	14	42	strategy	strategy	NOUN
ajpdis-3310	14	43	for	for	ADP
ajpdis-3310	14	44	reforming	reform	VERB
ajpdis-3310	14	45	the	the	DET
ajpdis-3310	14	46	banking	banking	NOUN
ajpdis-3310	14	47	system	system	NOUN
ajpdis-3310	14	48	of	of	ADP
ajpdis-3310	14	49	the	the	DET
ajpdis-3310	14	50	republic	republic	NOUN
ajpdis-3310	14	51	of	of	ADP
ajpdis-3310	14	52	uzbekistan	uzbekistan	PROPN
ajpdis-3310	14	53	for	for	ADP
ajpdis-3310	14	54	2020	2020	NUM
ajpdis-3310	14	55	-	-	SYM
ajpdis-3310	14	56	2025	2025	NUM
ajpdis-3310	14	57	"	"	PUNCT
ajpdis-3310	14	58	.	.	PUNCT
ajpdis-3310	15	1	additionally	additionally	ADV
ajpdis-3310	15	2	,	,	PUNCT
ajpdis-3310	15	3	it	it	PRON
ajpdis-3310	15	4	is	be	AUX
ajpdis-3310	15	5	emphasized	emphasize	VERB
ajpdis-3310	15	6	in	in	ADP
ajpdis-3310	15	7	the	the	DET
ajpdis-3310	15	8	president	president	NOUN
ajpdis-3310	15	9	's	's	PART
ajpdis-3310	15	10	resolution	resolution	NOUN
ajpdis-3310	15	11	dated	date	VERB
ajpdis-3310	15	12	november	november	PROPN
ajpdis-3310	15	13	21	21	NUM
ajpdis-3310	15	14	,	,	PUNCT
ajpdis-3310	15	15	2018	2018	NUM
ajpdis-3310	15	16	,	,	PUNCT
ajpdis-3310	15	17	with	with	ADP
ajpdis-3310	15	18	the	the	DET
ajpdis-3310	15	19	number	number	NOUN
ajpdis-3310	15	20	pd-4022	pd-4022	NOUN
ajpdis-3310	15	21	,	,	PUNCT
ajpdis-3310	15	22	which	which	PRON
ajpdis-3310	15	23	addresses	address	VERB
ajpdis-3310	15	24	measures	measure	NOUN
ajpdis-3310	15	25	for	for	ADP
ajpdis-3310	15	26	further	far	ADV
ajpdis-3310	15	27	modernizing	modernize	VERB
ajpdis-3310	15	28	the	the	DET
ajpdis-3310	15	29	digital	digital	ADJ
ajpdis-3310	15	30	infrastructure	infrastructure	NOUN
ajpdis-3310	15	31	to	to	PART
ajpdis-3310	15	32	foster	foster	VERB
ajpdis-3310	15	33	the	the	DET
ajpdis-3310	15	34	development	development	NOUN
ajpdis-3310	15	35	of	of	ADP
ajpdis-3310	15	36	the	the	DET
ajpdis-3310	15	37	digital	digital	ADJ
ajpdis-3310	15	38	economy	economy	NOUN
ajpdis-3310	15	39	.	.	PUNCT
ajpdis-3310	16	1	as	as	ADP
ajpdis-3310	16	2	of	of	ADP
ajpdis-3310	16	3	today	today	NOUN
ajpdis-3310	16	4	,	,	PUNCT
ajpdis-3310	16	5	examples	example	NOUN
ajpdis-3310	16	6	of	of	ADP
ajpdis-3310	16	7	the	the	DET
ajpdis-3310	16	8	phased	phase	VERB
ajpdis-3310	16	9	digital	digital	ADJ
ajpdis-3310	16	10	transformation	transformation	NOUN
ajpdis-3310	16	11	in	in	ADP
ajpdis-3310	16	12	the	the	DET
ajpdis-3310	16	13	republic	republic	NOUN
ajpdis-3310	16	14	of	of	ADP
ajpdis-3310	16	15	uzbekistan	uzbekistan	PROPN
ajpdis-3310	16	16	include	include	VERB
ajpdis-3310	16	17	the	the	DET
ajpdis-3310	16	18	implementation	implementation	NOUN
ajpdis-3310	16	19	of	of	ADP
ajpdis-3310	16	20	electronic	electronic	ADJ
ajpdis-3310	16	21	payment	payment	NOUN
ajpdis-3310	16	22	systems	system	NOUN
ajpdis-3310	16	23	,	,	PUNCT
ajpdis-3310	16	24	e	e	NOUN
ajpdis-3310	16	25	-	-	NOUN
ajpdis-3310	16	26	money	money	NOUN
ajpdis-3310	16	27	,	,	PUNCT
ajpdis-3310	16	28	remote	remote	ADJ
ajpdis-3310	16	29	banking	banking	NOUN
ajpdis-3310	16	30	services	service	NOUN
ajpdis-3310	16	31	such	such	ADJ
ajpdis-3310	16	32	as	as	ADP
ajpdis-3310	16	33	online	online	ADJ
ajpdis-3310	16	34	banking	banking	NOUN
ajpdis-3310	16	35	products	product	NOUN
ajpdis-3310	16	36	,	,	PUNCT
ajpdis-3310	16	37	bank	bank	NOUN
ajpdis-3310	16	38	terminals	terminal	NOUN
ajpdis-3310	16	39	,	,	PUNCT
ajpdis-3310	16	40	and	and	CCONJ
ajpdis-3310	16	41	automated	automate	VERB
ajpdis-3310	16	42	banking	banking	NOUN
ajpdis-3310	16	43	centers	center	NOUN
ajpdis-3310	16	44	.	.	PUNCT
ajpdis-3310	17	1	however	however	ADV
ajpdis-3310	17	2	,	,	PUNCT
ajpdis-3310	17	3	these	these	PRON
ajpdis-3310	17	4	are	be	AUX
ajpdis-3310	17	5	only	only	ADV
ajpdis-3310	17	6	a	a	DET
ajpdis-3310	17	7	part	part	NOUN
ajpdis-3310	17	8	of	of	ADP
ajpdis-3310	17	9	the	the	DET
ajpdis-3310	17	10	envisioned	envision	VERB
ajpdis-3310	17	11	transformation	transformation	NOUN
ajpdis-3310	17	12	.	.	PUNCT
ajpdis-3310	18	1	this	this	DET
ajpdis-3310	18	2	transition	transition	NOUN
ajpdis-3310	18	3	not	not	PART
ajpdis-3310	18	4	only	only	ADV
ajpdis-3310	18	5	involves	involve	VERB
ajpdis-3310	18	6	digitizing	digitize	VERB
ajpdis-3310	18	7	banking	banking	NOUN
ajpdis-3310	18	8	services	service	NOUN
ajpdis-3310	18	9	and	and	CCONJ
ajpdis-3310	18	10	products	product	NOUN
ajpdis-3310	18	11	the	the	DET
ajpdis-3310	18	12	interface	interface	NOUN
ajpdis-3310	18	13	visible	visible	ADJ
ajpdis-3310	18	14	to	to	ADP
ajpdis-3310	18	15	customers	customer	NOUN
ajpdis-3310	18	16	but	but	CCONJ
ajpdis-3310	18	17	also	also	ADV
ajpdis-3310	18	18	automating	automate	VERB
ajpdis-3310	18	19	internal	internal	ADJ
ajpdis-3310	18	20	processes	process	NOUN
ajpdis-3310	18	21	.	.	PUNCT
ajpdis-3310	19	1	digital	digital	ADJ
ajpdis-3310	19	2	banking	banking	NOUN
ajpdis-3310	19	3	entails	entail	VERB
ajpdis-3310	19	4	automating	automate	VERB
ajpdis-3310	19	5	every	every	DET
ajpdis-3310	19	6	step	step	NOUN
ajpdis-3310	19	7	of	of	ADP
ajpdis-3310	19	8	banking	banking	NOUN
ajpdis-3310	19	9	relationships	relationship	NOUN
ajpdis-3310	19	10	,	,	PUNCT
ajpdis-3310	19	11	extending	extend	VERB
ajpdis-3310	19	12	beyond	beyond	ADP
ajpdis-3310	19	13	online	online	ADJ
ajpdis-3310	19	14	,	,	PUNCT
ajpdis-3310	19	15	offline	offline	ADJ
ajpdis-3310	19	16	,	,	PUNCT
ajpdis-3310	19	17	mobile	mobile	ADJ
ajpdis-3310	19	18	,	,	PUNCT
ajpdis-3310	19	19	and	and	CCONJ
ajpdis-3310	19	20	internet	internet	NOUN
ajpdis-3310	19	21	banking	banking	NOUN
ajpdis-3310	19	22	platforms	platform	NOUN
ajpdis-3310	19	23	.	.	PUNCT
ajpdis-3310	20	1	http://www/	http://www/	X
ajpdis-3310	21	1	mailto:iroda.gulamova@tsue.uz	mailto:iroda.gulamova@tsue.uz	ADJ
ajpdis-3310	21	2	371	371	NUM
ajpdis-3310	21	3	american	american	ADJ
ajpdis-3310	21	4	journal	journal	NOUN
ajpdis-3310	21	5	of	of	ADP
ajpdis-3310	21	6	public	public	ADJ
ajpdis-3310	21	7	diplomacy	diplomacy	NOUN
ajpdis-3310	21	8	and	and	CCONJ
ajpdis-3310	21	9	international	international	ADJ
ajpdis-3310	21	10	studies	study	NOUN
ajpdis-3310	21	11	www	www	PROPN
ajpdis-3310	21	12	.	.	PUNCT
ajpdis-3310	22	1	grnjournal.us	grnjournal.us	X
ajpdis-3310	22	2	it	it	PRON
ajpdis-3310	22	3	is	be	AUX
ajpdis-3310	22	4	fair	fair	ADJ
ajpdis-3310	22	5	to	to	PART
ajpdis-3310	22	6	note	note	VERB
ajpdis-3310	22	7	that	that	SCONJ
ajpdis-3310	22	8	the	the	DET
ajpdis-3310	22	9	prerequisites	prerequisite	NOUN
ajpdis-3310	22	10	for	for	ADP
ajpdis-3310	22	11	the	the	DET
ajpdis-3310	22	12	digital	digital	ADJ
ajpdis-3310	22	13	transformation	transformation	NOUN
ajpdis-3310	22	14	of	of	ADP
ajpdis-3310	22	15	commercial	commercial	ADJ
ajpdis-3310	22	16	banks	bank	NOUN
ajpdis-3310	22	17	in	in	ADP
ajpdis-3310	22	18	a	a	DET
ajpdis-3310	22	19	neighboring	neighboring	NOUN
ajpdis-3310	22	20	country	country	NOUN
ajpdis-3310	22	21	,	,	PUNCT
ajpdis-3310	22	22	for	for	ADP
ajpdis-3310	22	23	example	example	NOUN
ajpdis-3310	22	24	,	,	PUNCT
ajpdis-3310	22	25	in	in	ADP
ajpdis-3310	22	26	kazakhstan	kazakhstan	PROPN
ajpdis-3310	22	27	,	,	PUNCT
ajpdis-3310	22	28	were	be	AUX
ajpdis-3310	22	29	divided	divide	VERB
ajpdis-3310	22	30	into	into	ADP
ajpdis-3310	22	31	external	external	ADJ
ajpdis-3310	22	32	and	and	CCONJ
ajpdis-3310	22	33	internal	internal	ADJ
ajpdis-3310	22	34	factors	factor	NOUN
ajpdis-3310	22	35	.	.	PUNCT
ajpdis-3310	23	1	external	external	ADJ
ajpdis-3310	23	2	factors	factor	NOUN
ajpdis-3310	23	3	included	include	VERB
ajpdis-3310	23	4	:	:	PUNCT
ajpdis-3310	23	5	the	the	DET
ajpdis-3310	23	6	growing	grow	VERB
ajpdis-3310	23	7	popularity	popularity	NOUN
ajpdis-3310	23	8	of	of	ADP
ajpdis-3310	23	9	mobile	mobile	ADJ
ajpdis-3310	23	10	applications	application	NOUN
ajpdis-3310	23	11	and	and	CCONJ
ajpdis-3310	23	12	digital	digital	ADJ
ajpdis-3310	23	13	channels	channel	NOUN
ajpdis-3310	23	14	among	among	ADP
ajpdis-3310	23	15	retail	retail	ADJ
ajpdis-3310	23	16	customers	customer	NOUN
ajpdis-3310	23	17	due	due	ADP
ajpdis-3310	23	18	to	to	ADP
ajpdis-3310	23	19	the	the	DET
ajpdis-3310	23	20	development	development	NOUN
ajpdis-3310	23	21	of	of	ADP
ajpdis-3310	23	22	service	service	NOUN
ajpdis-3310	23	23	-	-	PUNCT
ajpdis-3310	23	24	related	relate	VERB
ajpdis-3310	23	25	offerings	offering	NOUN
ajpdis-3310	23	26	(	(	PUNCT
ajpdis-3310	23	27	food	food	NOUN
ajpdis-3310	23	28	delivery	delivery	NOUN
ajpdis-3310	23	29	,	,	PUNCT
ajpdis-3310	23	30	taxi	taxi	NOUN
ajpdis-3310	23	31	services	service	NOUN
ajpdis-3310	23	32	,	,	PUNCT
ajpdis-3310	23	33	etc	etc	X
ajpdis-3310	23	34	.	.	X
ajpdis-3310	23	35	)	)	PUNCT
ajpdis-3310	23	36	.	.	PUNCT
ajpdis-3310	24	1	the	the	DET
ajpdis-3310	24	2	development	development	NOUN
ajpdis-3310	24	3	and	and	CCONJ
ajpdis-3310	24	4	modernization	modernization	NOUN
ajpdis-3310	24	5	of	of	ADP
ajpdis-3310	24	6	mobile	mobile	ADJ
ajpdis-3310	24	7	devices	device	NOUN
ajpdis-3310	24	8	contributing	contribute	VERB
ajpdis-3310	24	9	to	to	ADP
ajpdis-3310	24	10	the	the	DET
ajpdis-3310	24	11	global	global	ADJ
ajpdis-3310	24	12	growth	growth	NOUN
ajpdis-3310	24	13	of	of	ADP
ajpdis-3310	24	14	digital	digital	ADJ
ajpdis-3310	24	15	technologies	technology	NOUN
ajpdis-3310	24	16	.	.	PUNCT
ajpdis-3310	25	1	increasing	increase	VERB
ajpdis-3310	25	2	competition	competition	NOUN
ajpdis-3310	25	3	from	from	ADP
ajpdis-3310	25	4	non	non	ADJ
ajpdis-3310	25	5	-	-	ADJ
ajpdis-3310	25	6	banks	bank	NOUN
ajpdis-3310	25	7	and	and	CCONJ
ajpdis-3310	25	8	fintech	fintech	NOUN
ajpdis-3310	25	9	companies	company	NOUN
ajpdis-3310	25	10	.	.	PUNCT
ajpdis-3310	26	1	the	the	DET
ajpdis-3310	26	2	covid-19	covid-19	PROPN
ajpdis-3310	26	3	pandemic	pandemic	NOUN
ajpdis-3310	26	4	,	,	PUNCT
ajpdis-3310	26	5	which	which	PRON
ajpdis-3310	26	6	reduced	reduce	VERB
ajpdis-3310	26	7	the	the	DET
ajpdis-3310	26	8	number	number	NOUN
ajpdis-3310	26	9	of	of	ADP
ajpdis-3310	26	10	customers	customer	NOUN
ajpdis-3310	26	11	visiting	visit	VERB
ajpdis-3310	26	12	bank	bank	NOUN
ajpdis-3310	26	13	branches	branch	NOUN
ajpdis-3310	26	14	and	and	CCONJ
ajpdis-3310	26	15	retail	retail	ADJ
ajpdis-3310	26	16	stores	store	NOUN
ajpdis-3310	26	17	.	.	PUNCT
ajpdis-3310	27	1	internal	internal	ADJ
ajpdis-3310	27	2	factors	factor	NOUN
ajpdis-3310	27	3	driving	drive	VERB
ajpdis-3310	27	4	the	the	DET
ajpdis-3310	27	5	digital	digital	ADJ
ajpdis-3310	27	6	transformation	transformation	NOUN
ajpdis-3310	27	7	of	of	ADP
ajpdis-3310	27	8	commercial	commercial	ADJ
ajpdis-3310	27	9	banks	bank	NOUN
ajpdis-3310	27	10	in	in	ADP
ajpdis-3310	27	11	kazakhstan	kazakhstan	PROPN
ajpdis-3310	27	12	included	include	VERB
ajpdis-3310	27	13	:	:	PUNCT
ajpdis-3310	27	14	the	the	DET
ajpdis-3310	27	15	development	development	NOUN
ajpdis-3310	27	16	of	of	ADP
ajpdis-3310	27	17	the	the	DET
ajpdis-3310	27	18	retail	retail	ADJ
ajpdis-3310	27	19	segment	segment	NOUN
ajpdis-3310	27	20	of	of	ADP
ajpdis-3310	27	21	banking	banking	NOUN
ajpdis-3310	27	22	services	service	NOUN
ajpdis-3310	27	23	as	as	ADP
ajpdis-3310	27	24	a	a	DET
ajpdis-3310	27	25	sustainable	sustainable	ADJ
ajpdis-3310	27	26	foundation	foundation	NOUN
ajpdis-3310	27	27	for	for	ADP
ajpdis-3310	27	28	the	the	DET
ajpdis-3310	27	29	digital	digital	ADJ
ajpdis-3310	27	30	transformation	transformation	NOUN
ajpdis-3310	27	31	of	of	ADP
ajpdis-3310	27	32	banks	bank	NOUN
ajpdis-3310	27	33	.	.	PUNCT
ajpdis-3310	28	1	the	the	DET
ajpdis-3310	28	2	effective	effective	ADJ
ajpdis-3310	28	3	adaptability	adaptability	NOUN
ajpdis-3310	28	4	of	of	ADP
ajpdis-3310	28	5	the	the	DET
ajpdis-3310	28	6	retail	retail	ADJ
ajpdis-3310	28	7	sector	sector	NOUN
ajpdis-3310	28	8	of	of	ADP
ajpdis-3310	28	9	banking	banking	NOUN
ajpdis-3310	28	10	business	business	NOUN
ajpdis-3310	28	11	to	to	ADP
ajpdis-3310	28	12	the	the	DET
ajpdis-3310	28	13	process	process	NOUN
ajpdis-3310	28	14	of	of	ADP
ajpdis-3310	28	15	digitization	digitization	NOUN
ajpdis-3310	28	16	(	(	PUNCT
ajpdis-3310	28	17	bi	bi	NOUN
ajpdis-3310	28	18	analytics	analytic	NOUN
ajpdis-3310	28	19	,	,	PUNCT
ajpdis-3310	28	20	robotic	robotic	ADJ
ajpdis-3310	28	21	soft	soft	ADJ
ajpdis-3310	28	22	collection	collection	NOUN
ajpdis-3310	28	23	)	)	PUNCT
ajpdis-3310	28	24	.	.	PUNCT
ajpdis-3310	29	1	however	however	ADV
ajpdis-3310	29	2	,	,	PUNCT
ajpdis-3310	29	3	the	the	DET
ajpdis-3310	29	4	level	level	NOUN
ajpdis-3310	29	5	of	of	ADP
ajpdis-3310	29	6	digitization	digitization	NOUN
ajpdis-3310	29	7	in	in	ADP
ajpdis-3310	29	8	the	the	DET
ajpdis-3310	29	9	russian	russian	ADJ
ajpdis-3310	29	10	banking	banking	NOUN
ajpdis-3310	29	11	sector	sector	NOUN
ajpdis-3310	29	12	is	be	AUX
ajpdis-3310	29	13	currently	currently	ADV
ajpdis-3310	29	14	quite	quite	ADV
ajpdis-3310	29	15	high	high	ADJ
ajpdis-3310	29	16	,	,	PUNCT
ajpdis-3310	29	17	and	and	CCONJ
ajpdis-3310	29	18	by	by	ADP
ajpdis-3310	29	19	its	its	PRON
ajpdis-3310	29	20	indicators	indicator	NOUN
ajpdis-3310	29	21	,	,	PUNCT
ajpdis-3310	29	22	it	it	PRON
ajpdis-3310	29	23	practically	practically	ADV
ajpdis-3310	29	24	does	do	AUX
ajpdis-3310	29	25	not	not	PART
ajpdis-3310	29	26	lag	lag	VERB
ajpdis-3310	29	27	behind	behind	ADP
ajpdis-3310	29	28	the	the	DET
ajpdis-3310	29	29	most	most	ADV
ajpdis-3310	29	30	developed	develop	VERB
ajpdis-3310	29	31	economies	economy	NOUN
ajpdis-3310	29	32	in	in	ADP
ajpdis-3310	29	33	the	the	DET
ajpdis-3310	29	34	world	world	NOUN
ajpdis-3310	29	35	.	.	PUNCT
ajpdis-3310	30	1	according	accord	VERB
ajpdis-3310	30	2	to	to	ADP
ajpdis-3310	30	3	kpmg	kpmg	PROPN
ajpdis-3310	30	4	data	data	PROPN
ajpdis-3310	30	5	,	,	PUNCT
ajpdis-3310	30	6	86	86	NUM
ajpdis-3310	30	7	%	%	NOUN
ajpdis-3310	30	8	of	of	ADP
ajpdis-3310	30	9	russian	russian	ADJ
ajpdis-3310	30	10	banks	bank	NOUN
ajpdis-3310	30	11	are	be	AUX
ajpdis-3310	30	12	already	already	ADV
ajpdis-3310	30	13	implementing	implement	VERB
ajpdis-3310	30	14	digital	digital	ADJ
ajpdis-3310	30	15	transformation	transformation	NOUN
ajpdis-3310	30	16	programs	program	NOUN
ajpdis-3310	30	17	.	.	PUNCT
ajpdis-3310	31	1	the	the	DET
ajpdis-3310	31	2	banking	banking	NOUN
ajpdis-3310	31	3	sector	sector	NOUN
ajpdis-3310	31	4	in	in	ADP
ajpdis-3310	31	5	the	the	DET
ajpdis-3310	31	6	russian	russian	PROPN
ajpdis-3310	31	7	federation	federation	PROPN
ajpdis-3310	31	8	has	have	AUX
ajpdis-3310	31	9	become	become	VERB
ajpdis-3310	31	10	a	a	DET
ajpdis-3310	31	11	primary	primary	ADJ
ajpdis-3310	31	12	target	target	NOUN
ajpdis-3310	31	13	for	for	ADP
ajpdis-3310	31	14	digitization	digitization	NOUN
ajpdis-3310	31	15	due	due	ADP
ajpdis-3310	31	16	to	to	ADP
ajpdis-3310	31	17	the	the	DET
ajpdis-3310	31	18	following	following	ADJ
ajpdis-3310	31	19	reasons	reason	NOUN
ajpdis-3310	31	20	:	:	PUNCT
ajpdis-3310	31	21	effective	effective	ADJ
ajpdis-3310	31	22	use	use	NOUN
ajpdis-3310	31	23	of	of	ADP
ajpdis-3310	31	24	digital	digital	ADJ
ajpdis-3310	31	25	technologies	technology	NOUN
ajpdis-3310	31	26	is	be	AUX
ajpdis-3310	31	27	an	an	DET
ajpdis-3310	31	28	essential	essential	ADJ
ajpdis-3310	31	29	condition	condition	NOUN
ajpdis-3310	31	30	for	for	ADP
ajpdis-3310	31	31	banks	bank	NOUN
ajpdis-3310	31	32	seeking	seek	VERB
ajpdis-3310	31	33	to	to	PART
ajpdis-3310	31	34	maintain	maintain	VERB
ajpdis-3310	31	35	competitiveness	competitiveness	NOUN
ajpdis-3310	31	36	across	across	ADP
ajpdis-3310	31	37	all	all	DET
ajpdis-3310	31	38	customer	customer	NOUN
ajpdis-3310	31	39	segments	segment	NOUN
ajpdis-3310	31	40	.	.	PUNCT
ajpdis-3310	32	1	the	the	DET
ajpdis-3310	32	2	proliferation	proliferation	NOUN
ajpdis-3310	32	3	of	of	ADP
ajpdis-3310	32	4	digital	digital	ADJ
ajpdis-3310	32	5	services	service	NOUN
ajpdis-3310	32	6	in	in	ADP
ajpdis-3310	32	7	the	the	DET
ajpdis-3310	32	8	banking	banking	NOUN
ajpdis-3310	32	9	sector	sector	NOUN
ajpdis-3310	32	10	contributes	contribute	VERB
ajpdis-3310	32	11	to	to	ADP
ajpdis-3310	32	12	a	a	DET
ajpdis-3310	32	13	better	well	ADJ
ajpdis-3310	32	14	understanding	understanding	NOUN
ajpdis-3310	32	15	of	of	ADP
ajpdis-3310	32	16	customer	customer	NOUN
ajpdis-3310	32	17	needs	need	NOUN
ajpdis-3310	32	18	and	and	CCONJ
ajpdis-3310	32	19	enables	enable	VERB
ajpdis-3310	32	20	the	the	DET
ajpdis-3310	32	21	formulation	formulation	NOUN
ajpdis-3310	32	22	of	of	ADP
ajpdis-3310	32	23	individual	individual	ADJ
ajpdis-3310	32	24	offerings	offering	NOUN
ajpdis-3310	32	25	for	for	ADP
ajpdis-3310	32	26	users	user	NOUN
ajpdis-3310	32	27	,	,	PUNCT
ajpdis-3310	32	28	improving	improve	VERB
ajpdis-3310	32	29	the	the	DET
ajpdis-3310	32	30	ways	way	NOUN
ajpdis-3310	32	31	banks	bank	NOUN
ajpdis-3310	32	32	interact	interact	VERB
ajpdis-3310	32	33	with	with	ADP
ajpdis-3310	32	34	potential	potential	ADJ
ajpdis-3310	32	35	clients	client	NOUN
ajpdis-3310	32	36	.	.	PUNCT
ajpdis-3310	33	1	these	these	DET
ajpdis-3310	33	2	technologies	technology	NOUN
ajpdis-3310	33	3	allow	allow	VERB
ajpdis-3310	33	4	bank	bank	NOUN
ajpdis-3310	33	5	customers	customer	NOUN
ajpdis-3310	33	6	to	to	PART
ajpdis-3310	33	7	choose	choose	VERB
ajpdis-3310	33	8	suitable	suitable	ADJ
ajpdis-3310	33	9	offers	offer	NOUN
ajpdis-3310	33	10	regardless	regardless	ADV
ajpdis-3310	33	11	of	of	ADP
ajpdis-3310	33	12	the	the	DET
ajpdis-3310	33	13	geographical	geographical	ADJ
ajpdis-3310	33	14	location	location	NOUN
ajpdis-3310	33	15	of	of	ADP
ajpdis-3310	33	16	the	the	DET
ajpdis-3310	33	17	financial	financial	ADJ
ajpdis-3310	33	18	institution	institution	NOUN
ajpdis-3310	33	19	.	.	PUNCT
ajpdis-3310	34	1	information	information	NOUN
ajpdis-3310	34	2	technologies	technology	NOUN
ajpdis-3310	34	3	used	use	VERB
ajpdis-3310	34	4	in	in	ADP
ajpdis-3310	34	5	the	the	DET
ajpdis-3310	34	6	banking	banking	NOUN
ajpdis-3310	34	7	sector	sector	NOUN
ajpdis-3310	34	8	enable	enable	VERB
ajpdis-3310	34	9	more	more	ADV
ajpdis-3310	34	10	transparent	transparent	ADJ
ajpdis-3310	34	11	,	,	PUNCT
ajpdis-3310	34	12	faster	fast	ADV
ajpdis-3310	34	13	,	,	PUNCT
ajpdis-3310	34	14	and	and	CCONJ
ajpdis-3310	34	15	visually	visually	ADV
ajpdis-3310	34	16	open	open	ADJ
ajpdis-3310	34	17	transactions	transaction	NOUN
ajpdis-3310	34	18	.	.	PUNCT
ajpdis-3310	35	1	digitization	digitization	NOUN
ajpdis-3310	35	2	enhances	enhance	VERB
ajpdis-3310	35	3	the	the	DET
ajpdis-3310	35	4	operational	operational	ADJ
ajpdis-3310	35	5	efficiency	efficiency	NOUN
ajpdis-3310	35	6	and	and	CCONJ
ajpdis-3310	35	7	manageability	manageability	NOUN
ajpdis-3310	35	8	of	of	ADP
ajpdis-3310	35	9	financial	financial	ADJ
ajpdis-3310	35	10	operations	operation	NOUN
ajpdis-3310	35	11	.	.	PUNCT
ajpdis-3310	36	1	innovative	innovative	ADJ
ajpdis-3310	36	2	technologies	technology	NOUN
ajpdis-3310	36	3	provide	provide	VERB
ajpdis-3310	36	4	an	an	DET
ajpdis-3310	36	5	opportunity	opportunity	NOUN
ajpdis-3310	36	6	to	to	PART
ajpdis-3310	36	7	reduce	reduce	VERB
ajpdis-3310	36	8	service	service	NOUN
ajpdis-3310	36	9	costs	cost	NOUN
ajpdis-3310	36	10	by	by	ADP
ajpdis-3310	36	11	cutting	cut	VERB
ajpdis-3310	36	12	expenses	expense	NOUN
ajpdis-3310	36	13	for	for	ADP
ajpdis-3310	36	14	all	all	DET
ajpdis-3310	36	15	participants	participant	NOUN
ajpdis-3310	36	16	in	in	ADP
ajpdis-3310	36	17	the	the	DET
ajpdis-3310	36	18	financial	financial	ADJ
ajpdis-3310	36	19	market	market	NOUN
ajpdis-3310	36	20	.	.	PUNCT
ajpdis-3310	37	1	banks	bank	NOUN
ajpdis-3310	37	2	using	use	VERB
ajpdis-3310	37	3	digital	digital	ADJ
ajpdis-3310	37	4	solutions	solution	NOUN
ajpdis-3310	37	5	in	in	ADP
ajpdis-3310	37	6	their	their	PRON
ajpdis-3310	37	7	operations	operation	NOUN
ajpdis-3310	37	8	shape	shape	VERB
ajpdis-3310	37	9	their	their	PRON
ajpdis-3310	37	10	image	image	NOUN
ajpdis-3310	37	11	and	and	CCONJ
ajpdis-3310	37	12	present	present	VERB
ajpdis-3310	37	13	themselves	themselves	PRON
ajpdis-3310	37	14	to	to	ADP
ajpdis-3310	37	15	clients	client	NOUN
ajpdis-3310	37	16	as	as	ADP
ajpdis-3310	37	17	modern	modern	ADJ
ajpdis-3310	37	18	,	,	PUNCT
ajpdis-3310	37	19	technologically	technologically	ADV
ajpdis-3310	37	20	advanced	advanced	ADJ
ajpdis-3310	37	21	organizations	organization	NOUN
ajpdis-3310	37	22	.	.	PUNCT
ajpdis-3310	38	1	hence	hence	ADV
ajpdis-3310	38	2	,	,	PUNCT
ajpdis-3310	38	3	the	the	DET
ajpdis-3310	38	4	transition	transition	NOUN
ajpdis-3310	38	5	from	from	ADP
ajpdis-3310	38	6	the	the	DET
ajpdis-3310	38	7	traditional	traditional	ADJ
ajpdis-3310	38	8	approach	approach	NOUN
ajpdis-3310	38	9	to	to	ADP
ajpdis-3310	38	10	providing	provide	VERB
ajpdis-3310	38	11	banking	banking	NOUN
ajpdis-3310	38	12	services	service	NOUN
ajpdis-3310	38	13	in	in	ADP
ajpdis-3310	38	14	uzbekistan	uzbekistan	PROPN
ajpdis-3310	38	15	and	and	CCONJ
ajpdis-3310	38	16	introducing	introduce	VERB
ajpdis-3310	38	17	their	their	PRON
ajpdis-3310	38	18	digital	digital	ADJ
ajpdis-3310	38	19	counterparts	counterpart	NOUN
ajpdis-3310	38	20	in	in	ADP
ajpdis-3310	38	21	the	the	DET
ajpdis-3310	38	22	market	market	NOUN
ajpdis-3310	38	23	faces	face	VERB
ajpdis-3310	38	24	several	several	ADJ
ajpdis-3310	38	25	problems	problem	NOUN
ajpdis-3310	38	26	that	that	PRON
ajpdis-3310	38	27	need	need	VERB
ajpdis-3310	38	28	to	to	PART
ajpdis-3310	38	29	be	be	AUX
ajpdis-3310	38	30	emphasized	emphasize	VERB
ajpdis-3310	38	31	:	:	PUNCT
ajpdis-3310	38	32	lack	lack	NOUN
ajpdis-3310	38	33	of	of	ADP
ajpdis-3310	38	34	qualified	qualified	ADJ
ajpdis-3310	38	35	specialists	specialist	NOUN
ajpdis-3310	38	36	:	:	PUNCT
ajpdis-3310	38	37	successful	successful	ADJ
ajpdis-3310	38	38	digital	digital	ADJ
ajpdis-3310	38	39	transformation	transformation	NOUN
ajpdis-3310	38	40	of	of	ADP
ajpdis-3310	38	41	uzbekistan	uzbekistan	PROPN
ajpdis-3310	38	42	's	's	PART
ajpdis-3310	38	43	banks	bank	NOUN
ajpdis-3310	38	44	requires	require	VERB
ajpdis-3310	38	45	qualified	qualified	ADJ
ajpdis-3310	38	46	professionals	professional	NOUN
ajpdis-3310	38	47	capable	capable	ADJ
ajpdis-3310	38	48	of	of	ADP
ajpdis-3310	38	49	developing	develop	VERB
ajpdis-3310	38	50	and	and	CCONJ
ajpdis-3310	38	51	implementing	implement	VERB
ajpdis-3310	38	52	innovative	innovative	ADJ
ajpdis-3310	38	53	technologies	technology	NOUN
ajpdis-3310	38	54	.	.	PUNCT
ajpdis-3310	39	1	however	however	ADV
ajpdis-3310	39	2	,	,	PUNCT
ajpdis-3310	39	3	the	the	DET
ajpdis-3310	39	4	shortage	shortage	NOUN
ajpdis-3310	39	5	of	of	ADP
ajpdis-3310	39	6	experts	expert	NOUN
ajpdis-3310	39	7	in	in	ADP
ajpdis-3310	39	8	the	the	DET
ajpdis-3310	39	9	it	it	PRON
ajpdis-3310	39	10	and	and	CCONJ
ajpdis-3310	39	11	financial	financial	ADJ
ajpdis-3310	39	12	technology	technology	NOUN
ajpdis-3310	39	13	fields	field	NOUN
ajpdis-3310	39	14	is	be	AUX
ajpdis-3310	39	15	one	one	NUM
ajpdis-3310	39	16	of	of	ADP
ajpdis-3310	39	17	the	the	DET
ajpdis-3310	39	18	major	major	ADJ
ajpdis-3310	39	19	challenges	challenge	NOUN
ajpdis-3310	39	20	.	.	PUNCT
ajpdis-3310	40	1	insufficient	insufficient	ADJ
ajpdis-3310	40	2	funding	funding	NOUN
ajpdis-3310	40	3	:	:	PUNCT
ajpdis-3310	40	4	privatizing	privatize	VERB
ajpdis-3310	40	5	banks	bank	NOUN
ajpdis-3310	40	6	can	can	AUX
ajpdis-3310	40	7	attract	attract	VERB
ajpdis-3310	40	8	investments	investment	NOUN
ajpdis-3310	40	9	and	and	CCONJ
ajpdis-3310	40	10	additional	additional	ADJ
ajpdis-3310	40	11	financial	financial	ADJ
ajpdis-3310	40	12	resources	resource	NOUN
ajpdis-3310	40	13	necessary	necessary	ADJ
ajpdis-3310	40	14	for	for	ADP
ajpdis-3310	40	15	digital	digital	ADJ
ajpdis-3310	40	16	transformation	transformation	NOUN
ajpdis-3310	40	17	.	.	PUNCT
ajpdis-3310	41	1	however	however	ADV
ajpdis-3310	41	2	,	,	PUNCT
ajpdis-3310	41	3	in	in	ADP
ajpdis-3310	41	4	the	the	DET
ajpdis-3310	41	5	face	face	NOUN
ajpdis-3310	41	6	of	of	ADP
ajpdis-3310	41	7	stiff	stiff	ADJ
ajpdis-3310	41	8	competition	competition	NOUN
ajpdis-3310	41	9	,	,	PUNCT
ajpdis-3310	41	10	banks	bank	NOUN
ajpdis-3310	41	11	struggle	struggle	VERB
ajpdis-3310	41	12	to	to	PART
ajpdis-3310	41	13	attract	attract	VERB
ajpdis-3310	41	14	investors	investor	NOUN
ajpdis-3310	41	15	and	and	CCONJ
ajpdis-3310	41	16	secure	secure	VERB
ajpdis-3310	41	17	funding	funding	NOUN
ajpdis-3310	41	18	for	for	ADP
ajpdis-3310	41	19	their	their	PRON
ajpdis-3310	41	20	projects	project	NOUN
ajpdis-3310	41	21	.	.	PUNCT
ajpdis-3310	42	1	security	security	NOUN
ajpdis-3310	42	2	issues	issue	NOUN
ajpdis-3310	42	3	:	:	PUNCT
ajpdis-3310	42	4	digital	digital	ADJ
ajpdis-3310	42	5	transformation	transformation	NOUN
ajpdis-3310	42	6	is	be	AUX
ajpdis-3310	42	7	associated	associate	VERB
ajpdis-3310	42	8	with	with	ADP
ajpdis-3310	42	9	information	information	NOUN
ajpdis-3310	42	10	security	security	NOUN
ajpdis-3310	42	11	risks	risk	NOUN
ajpdis-3310	42	12	such	such	ADJ
ajpdis-3310	42	13	as	as	ADP
ajpdis-3310	42	14	system	system	NOUN
ajpdis-3310	42	15	hacking	hack	VERB
ajpdis-3310	42	16	,	,	PUNCT
ajpdis-3310	42	17	data	datum	NOUN
ajpdis-3310	42	18	theft	theft	NOUN
ajpdis-3310	42	19	,	,	PUNCT
ajpdis-3310	42	20	and	and	CCONJ
ajpdis-3310	42	21	breaches	breach	NOUN
ajpdis-3310	42	22	of	of	ADP
ajpdis-3310	42	23	confidentiality	confidentiality	NOUN
ajpdis-3310	42	24	.	.	PUNCT
ajpdis-3310	43	1	therefore	therefore	ADV
ajpdis-3310	43	2	,	,	PUNCT
ajpdis-3310	43	3	ensuring	ensure	VERB
ajpdis-3310	43	4	the	the	DET
ajpdis-3310	43	5	security	security	NOUN
ajpdis-3310	43	6	of	of	ADP
ajpdis-3310	43	7	banks	bank	NOUN
ajpdis-3310	43	8	'	'	PART
ajpdis-3310	43	9	data	datum	NOUN
ajpdis-3310	43	10	and	and	CCONJ
ajpdis-3310	43	11	infrastructure	infrastructure	NOUN
ajpdis-3310	43	12	is	be	AUX
ajpdis-3310	43	13	a	a	DET
ajpdis-3310	43	14	key	key	ADJ
ajpdis-3310	43	15	task	task	NOUN
ajpdis-3310	43	16	.	.	PUNCT
ajpdis-3310	43	17	http://www/	http://www/	X
ajpdis-3310	44	1	372	372	NUM
ajpdis-3310	44	2	american	american	PROPN
ajpdis-3310	44	3	journal	journal	PROPN
ajpdis-3310	44	4	of	of	ADP
ajpdis-3310	44	5	public	public	ADJ
ajpdis-3310	44	6	diplomacy	diplomacy	NOUN
ajpdis-3310	44	7	and	and	CCONJ
ajpdis-3310	44	8	international	international	ADJ
ajpdis-3310	44	9	studies	study	NOUN
ajpdis-3310	44	10	www	www	PROPN
ajpdis-3310	44	11	.	.	PUNCT
ajpdis-3310	45	1	grnjournal.us	grnjournal.us	X
ajpdis-3310	45	2	lack	lack	NOUN
ajpdis-3310	45	3	of	of	ADP
ajpdis-3310	45	4	infrastructure	infrastructure	NOUN
ajpdis-3310	45	5	:	:	PUNCT
ajpdis-3310	45	6	uzbekistan	uzbekistan	PROPN
ajpdis-3310	45	7	's	's	PART
ajpdis-3310	45	8	banking	banking	NOUN
ajpdis-3310	45	9	system	system	NOUN
ajpdis-3310	45	10	needs	need	VERB
ajpdis-3310	45	11	to	to	PART
ajpdis-3310	45	12	modernize	modernize	VERB
ajpdis-3310	45	13	its	its	PRON
ajpdis-3310	45	14	infrastructure	infrastructure	NOUN
ajpdis-3310	45	15	,	,	PUNCT
ajpdis-3310	45	16	including	include	VERB
ajpdis-3310	45	17	updating	update	VERB
ajpdis-3310	45	18	outdated	outdated	ADJ
ajpdis-3310	45	19	systems	system	NOUN
ajpdis-3310	45	20	and	and	CCONJ
ajpdis-3310	45	21	equipment	equipment	NOUN
ajpdis-3310	45	22	,	,	PUNCT
ajpdis-3310	45	23	as	as	ADV
ajpdis-3310	45	24	well	well	ADV
ajpdis-3310	45	25	as	as	ADP
ajpdis-3310	45	26	creating	create	VERB
ajpdis-3310	45	27	new	new	ADJ
ajpdis-3310	45	28	digital	digital	ADJ
ajpdis-3310	45	29	platforms	platform	NOUN
ajpdis-3310	45	30	for	for	ADP
ajpdis-3310	45	31	customer	customer	NOUN
ajpdis-3310	45	32	service	service	NOUN
ajpdis-3310	45	33	and	and	CCONJ
ajpdis-3310	45	34	transactions	transaction	NOUN
ajpdis-3310	45	35	.	.	PUNCT
ajpdis-3310	46	1	resistance	resistance	NOUN
ajpdis-3310	46	2	to	to	PART
ajpdis-3310	46	3	change	change	VERB
ajpdis-3310	46	4	:	:	PUNCT
ajpdis-3310	46	5	many	many	ADJ
ajpdis-3310	46	6	customers	customer	NOUN
ajpdis-3310	46	7	and	and	CCONJ
ajpdis-3310	46	8	bank	bank	NOUN
ajpdis-3310	46	9	employees	employee	NOUN
ajpdis-3310	46	10	may	may	AUX
ajpdis-3310	46	11	not	not	PART
ajpdis-3310	46	12	be	be	AUX
ajpdis-3310	46	13	ready	ready	ADJ
ajpdis-3310	46	14	for	for	ADP
ajpdis-3310	46	15	the	the	DET
ajpdis-3310	46	16	transition	transition	NOUN
ajpdis-3310	46	17	to	to	ADP
ajpdis-3310	46	18	digital	digital	ADJ
ajpdis-3310	46	19	technologies	technology	NOUN
ajpdis-3310	46	20	,	,	PUNCT
ajpdis-3310	46	21	causing	cause	VERB
ajpdis-3310	46	22	resistance	resistance	NOUN
ajpdis-3310	46	23	to	to	PART
ajpdis-3310	46	24	change	change	VERB
ajpdis-3310	46	25	and	and	CCONJ
ajpdis-3310	46	26	slowing	slow	VERB
ajpdis-3310	46	27	down	down	ADP
ajpdis-3310	46	28	the	the	DET
ajpdis-3310	46	29	transformation	transformation	NOUN
ajpdis-3310	46	30	process	process	NOUN
ajpdis-3310	46	31	.	.	PUNCT
ajpdis-3310	47	1	it	it	PRON
ajpdis-3310	47	2	is	be	AUX
ajpdis-3310	47	3	also	also	ADV
ajpdis-3310	47	4	important	important	ADJ
ajpdis-3310	47	5	to	to	PART
ajpdis-3310	47	6	note	note	VERB
ajpdis-3310	47	7	that	that	SCONJ
ajpdis-3310	47	8	analyzing	analyze	VERB
ajpdis-3310	47	9	the	the	DET
ajpdis-3310	47	10	data	datum	NOUN
ajpdis-3310	47	11	from	from	ADP
ajpdis-3310	47	12	the	the	DET
ajpdis-3310	47	13	central	central	ADJ
ajpdis-3310	47	14	bank	bank	PROPN
ajpdis-3310	47	15	of	of	ADP
ajpdis-3310	47	16	uzbekistan	uzbekistan	PROPN
ajpdis-3310	47	17	,	,	PUNCT
ajpdis-3310	47	18	we	we	PRON
ajpdis-3310	47	19	can	can	AUX
ajpdis-3310	47	20	identify	identify	VERB
ajpdis-3310	47	21	the	the	DET
ajpdis-3310	47	22	main	main	ADJ
ajpdis-3310	47	23	stages	stage	NOUN
ajpdis-3310	47	24	of	of	ADP
ajpdis-3310	47	25	the	the	DET
ajpdis-3310	47	26	digitization	digitization	NOUN
ajpdis-3310	47	27	of	of	ADP
ajpdis-3310	47	28	the	the	DET
ajpdis-3310	47	29	banking	banking	NOUN
ajpdis-3310	47	30	sector	sector	NOUN
ajpdis-3310	47	31	:	:	PUNCT
ajpdis-3310	47	32	the	the	DET
ajpdis-3310	47	33	first	first	ADJ
ajpdis-3310	47	34	stage	stage	NOUN
ajpdis-3310	47	35	involves	involve	VERB
ajpdis-3310	47	36	the	the	DET
ajpdis-3310	47	37	emergence	emergence	NOUN
ajpdis-3310	47	38	of	of	ADP
ajpdis-3310	47	39	digital	digital	ADJ
ajpdis-3310	47	40	channels	channel	NOUN
ajpdis-3310	47	41	,	,	PUNCT
ajpdis-3310	47	42	namely	namely	ADV
ajpdis-3310	47	43	the	the	DET
ajpdis-3310	47	44	network	network	NOUN
ajpdis-3310	47	45	of	of	ADP
ajpdis-3310	47	46	atms	atms	PROPN
ajpdis-3310	47	47	,	,	PUNCT
ajpdis-3310	47	48	mobile	mobile	ADJ
ajpdis-3310	47	49	banking	banking	NOUN
ajpdis-3310	47	50	,	,	PUNCT
ajpdis-3310	47	51	chatbots	chatbot	NOUN
ajpdis-3310	47	52	,	,	PUNCT
ajpdis-3310	47	53	which	which	PRON
ajpdis-3310	47	54	contribute	contribute	VERB
ajpdis-3310	47	55	to	to	ADP
ajpdis-3310	47	56	the	the	DET
ajpdis-3310	47	57	construction	construction	NOUN
ajpdis-3310	47	58	of	of	ADP
ajpdis-3310	47	59	a	a	DET
ajpdis-3310	47	60	new	new	ADJ
ajpdis-3310	47	61	ecosystem	ecosystem	NOUN
ajpdis-3310	47	62	with	with	ADP
ajpdis-3310	47	63	the	the	DET
ajpdis-3310	47	64	user	user	NOUN
ajpdis-3310	47	65	at	at	ADP
ajpdis-3310	47	66	its	its	PRON
ajpdis-3310	47	67	center	center	NOUN
ajpdis-3310	47	68	.	.	PUNCT
ajpdis-3310	48	1	such	such	DET
ajpdis-3310	48	2	a	a	DET
ajpdis-3310	48	3	system	system	NOUN
ajpdis-3310	48	4	allows	allow	VERB
ajpdis-3310	48	5	interaction	interaction	NOUN
ajpdis-3310	48	6	at	at	ADP
ajpdis-3310	48	7	any	any	DET
ajpdis-3310	48	8	convenient	convenient	ADJ
ajpdis-3310	48	9	time	time	NOUN
ajpdis-3310	48	10	through	through	ADP
ajpdis-3310	48	11	any	any	DET
ajpdis-3310	48	12	communication	communication	NOUN
ajpdis-3310	48	13	channel	channel	NOUN
ajpdis-3310	48	14	for	for	ADP
ajpdis-3310	48	15	both	both	CCONJ
ajpdis-3310	48	16	the	the	DET
ajpdis-3310	48	17	bank	bank	NOUN
ajpdis-3310	48	18	and	and	CCONJ
ajpdis-3310	48	19	the	the	DET
ajpdis-3310	48	20	customer	customer	NOUN
ajpdis-3310	48	21	.	.	PUNCT
ajpdis-3310	49	1	the	the	DET
ajpdis-3310	49	2	second	second	ADJ
ajpdis-3310	49	3	stage	stage	NOUN
ajpdis-3310	49	4	is	be	AUX
ajpdis-3310	49	5	considered	consider	VERB
ajpdis-3310	49	6	the	the	DET
ajpdis-3310	49	7	development	development	NOUN
ajpdis-3310	49	8	of	of	ADP
ajpdis-3310	49	9	digital	digital	ADJ
ajpdis-3310	49	10	products	product	NOUN
ajpdis-3310	49	11	:	:	PUNCT
ajpdis-3310	49	12	contactless	contactless	NOUN
ajpdis-3310	49	13	payments	payment	NOUN
ajpdis-3310	49	14	,	,	PUNCT
ajpdis-3310	49	15	virtual	virtual	ADJ
ajpdis-3310	49	16	payments	payment	NOUN
ajpdis-3310	49	17	,	,	PUNCT
ajpdis-3310	49	18	big	big	ADJ
ajpdis-3310	49	19	data	datum	NOUN
ajpdis-3310	49	20	.	.	PUNCT
ajpdis-3310	50	1	the	the	DET
ajpdis-3310	50	2	presence	presence	NOUN
ajpdis-3310	50	3	of	of	ADP
ajpdis-3310	50	4	advanced	advanced	ADJ
ajpdis-3310	50	5	technologies	technology	NOUN
ajpdis-3310	50	6	enables	enable	VERB
ajpdis-3310	50	7	the	the	DET
ajpdis-3310	50	8	creation	creation	NOUN
ajpdis-3310	50	9	of	of	ADP
ajpdis-3310	50	10	end	end	NOUN
ajpdis-3310	50	11	-	-	PUNCT
ajpdis-3310	50	12	to	to	ADP
ajpdis-3310	50	13	-	-	PUNCT
ajpdis-3310	50	14	end	end	NOUN
ajpdis-3310	50	15	products	product	NOUN
ajpdis-3310	50	16	designed	design	VERB
ajpdis-3310	50	17	to	to	PART
ajpdis-3310	50	18	satisfy	satisfy	VERB
ajpdis-3310	50	19	consumer	consumer	NOUN
ajpdis-3310	50	20	financial	financial	ADJ
ajpdis-3310	50	21	requests	request	NOUN
ajpdis-3310	50	22	24/7	24/7	PROPN
ajpdis-3310	50	23	.	.	PUNCT
ajpdis-3310	51	1	the	the	DET
ajpdis-3310	51	2	third	third	ADJ
ajpdis-3310	51	3	stage	stage	NOUN
ajpdis-3310	51	4	involves	involve	VERB
ajpdis-3310	51	5	the	the	DET
ajpdis-3310	51	6	implementation	implementation	NOUN
ajpdis-3310	51	7	of	of	ADP
ajpdis-3310	51	8	a	a	DET
ajpdis-3310	51	9	complete	complete	ADJ
ajpdis-3310	51	10	cycle	cycle	NOUN
ajpdis-3310	51	11	of	of	ADP
ajpdis-3310	51	12	information	information	NOUN
ajpdis-3310	51	13	services	service	NOUN
ajpdis-3310	51	14	.	.	PUNCT
ajpdis-3310	52	1	this	this	DET
ajpdis-3310	52	2	step	step	NOUN
ajpdis-3310	52	3	not	not	PART
ajpdis-3310	52	4	only	only	ADV
ajpdis-3310	52	5	modernizes	modernize	VERB
ajpdis-3310	52	6	traditional	traditional	ADJ
ajpdis-3310	52	7	products	product	NOUN
ajpdis-3310	52	8	but	but	CCONJ
ajpdis-3310	52	9	also	also	ADV
ajpdis-3310	52	10	contributes	contribute	VERB
ajpdis-3310	52	11	to	to	ADP
ajpdis-3310	52	12	the	the	DET
ajpdis-3310	52	13	emergence	emergence	NOUN
ajpdis-3310	52	14	of	of	ADP
ajpdis-3310	52	15	a	a	DET
ajpdis-3310	52	16	fundamentally	fundamentally	ADV
ajpdis-3310	52	17	new	new	ADJ
ajpdis-3310	52	18	business	business	NOUN
ajpdis-3310	52	19	model	model	NOUN
ajpdis-3310	52	20	that	that	PRON
ajpdis-3310	52	21	integrates	integrate	VERB
ajpdis-3310	52	22	the	the	DET
ajpdis-3310	52	23	bank	bank	NOUN
ajpdis-3310	52	24	into	into	ADP
ajpdis-3310	52	25	the	the	DET
ajpdis-3310	52	26	global	global	ADJ
ajpdis-3310	52	27	internet	internet	NOUN
ajpdis-3310	52	28	space	space	NOUN
ajpdis-3310	52	29	.	.	PUNCT
ajpdis-3310	53	1	the	the	DET
ajpdis-3310	53	2	fourth	fourth	ADJ
ajpdis-3310	53	3	stage	stage	NOUN
ajpdis-3310	53	4	is	be	AUX
ajpdis-3310	53	5	characterized	characterize	VERB
ajpdis-3310	53	6	by	by	ADP
ajpdis-3310	53	7	the	the	DET
ajpdis-3310	53	8	creation	creation	NOUN
ajpdis-3310	53	9	of	of	ADP
ajpdis-3310	53	10	a	a	DET
ajpdis-3310	53	11	"	"	PUNCT
ajpdis-3310	53	12	digital	digital	ADJ
ajpdis-3310	53	13	brain	brain	NOUN
ajpdis-3310	53	14	"	"	PUNCT
ajpdis-3310	53	15	(	(	PUNCT
ajpdis-3310	53	16	digital	digital	ADJ
ajpdis-3310	53	17	brain	brain	NOUN
ajpdis-3310	53	18	)	)	PUNCT
ajpdis-3310	53	19	,	,	PUNCT
ajpdis-3310	53	20	aimed	aim	VERB
ajpdis-3310	53	21	at	at	ADP
ajpdis-3310	53	22	automating	automate	VERB
ajpdis-3310	53	23	data	datum	NOUN
ajpdis-3310	53	24	analysis	analysis	NOUN
ajpdis-3310	53	25	in	in	ADP
ajpdis-3310	53	26	all	all	DET
ajpdis-3310	53	27	economic	economic	ADJ
ajpdis-3310	53	28	segments	segment	NOUN
ajpdis-3310	53	29	for	for	ADP
ajpdis-3310	53	30	audit	audit	NOUN
ajpdis-3310	53	31	purposes	purpose	NOUN
ajpdis-3310	53	32	,	,	PUNCT
ajpdis-3310	53	33	providing	provide	VERB
ajpdis-3310	53	34	organizations	organization	NOUN
ajpdis-3310	53	35	with	with	ADP
ajpdis-3310	53	36	a	a	DET
ajpdis-3310	53	37	more	more	ADV
ajpdis-3310	53	38	comprehensive	comprehensive	ADJ
ajpdis-3310	53	39	understanding	understanding	NOUN
ajpdis-3310	53	40	of	of	ADP
ajpdis-3310	53	41	their	their	PRON
ajpdis-3310	53	42	capabilities	capability	NOUN
ajpdis-3310	53	43	in	in	ADP
ajpdis-3310	53	44	a	a	DET
ajpdis-3310	53	45	particular	particular	ADJ
ajpdis-3310	53	46	industry	industry	NOUN
ajpdis-3310	53	47	.	.	PUNCT
ajpdis-3310	54	1	the	the	DET
ajpdis-3310	54	2	final	final	ADJ
ajpdis-3310	54	3	stage	stage	NOUN
ajpdis-3310	54	4	highlights	highlight	NOUN
ajpdis-3310	54	5	the	the	DET
ajpdis-3310	54	6	emergence	emergence	NOUN
ajpdis-3310	54	7	of	of	ADP
ajpdis-3310	54	8	"	"	PUNCT
ajpdis-3310	54	9	digital	digital	ADJ
ajpdis-3310	54	10	dna	dna	NOUN
ajpdis-3310	54	11	.	.	PUNCT
ajpdis-3310	54	12	"	"	PUNCT
ajpdis-3310	55	1	this	this	DET
ajpdis-3310	55	2	system	system	NOUN
ajpdis-3310	55	3	envisions	envision	VERB
ajpdis-3310	55	4	new	new	ADJ
ajpdis-3310	55	5	vectors	vector	NOUN
ajpdis-3310	55	6	of	of	ADP
ajpdis-3310	55	7	development	development	NOUN
ajpdis-3310	55	8	and	and	CCONJ
ajpdis-3310	55	9	,	,	PUNCT
ajpdis-3310	55	10	as	as	ADP
ajpdis-3310	55	11	a	a	DET
ajpdis-3310	55	12	result	result	NOUN
ajpdis-3310	55	13	,	,	PUNCT
ajpdis-3310	55	14	new	new	ADJ
ajpdis-3310	55	15	strategic	strategic	ADJ
ajpdis-3310	55	16	decisions	decision	NOUN
ajpdis-3310	55	17	during	during	ADP
ajpdis-3310	55	18	any	any	DET
ajpdis-3310	55	19	period	period	NOUN
ajpdis-3310	55	20	of	of	ADP
ajpdis-3310	55	21	the	the	DET
ajpdis-3310	55	22	bank	bank	NOUN
ajpdis-3310	55	23	's	's	PART
ajpdis-3310	55	24	existence	existence	NOUN
ajpdis-3310	55	25	.	.	PUNCT
ajpdis-3310	56	1	based	base	VERB
ajpdis-3310	56	2	on	on	ADP
ajpdis-3310	56	3	the	the	DET
ajpdis-3310	56	4	above	above	NOUN
ajpdis-3310	56	5	,	,	PUNCT
ajpdis-3310	56	6	it	it	PRON
ajpdis-3310	56	7	is	be	AUX
ajpdis-3310	56	8	possible	possible	ADJ
ajpdis-3310	56	9	to	to	PART
ajpdis-3310	56	10	assess	assess	VERB
ajpdis-3310	56	11	the	the	DET
ajpdis-3310	56	12	digital	digital	ADJ
ajpdis-3310	56	13	maturity	maturity	NOUN
ajpdis-3310	56	14	of	of	ADP
ajpdis-3310	56	15	a	a	DET
ajpdis-3310	56	16	bank	bank	NOUN
ajpdis-3310	56	17	.	.	PUNCT
ajpdis-3310	57	1	this	this	PRON
ajpdis-3310	57	2	directly	directly	ADV
ajpdis-3310	57	3	impacts	impact	VERB
ajpdis-3310	57	4	its	its	PRON
ajpdis-3310	57	5	capitalization	capitalization	NOUN
ajpdis-3310	57	6	,	,	PUNCT
ajpdis-3310	57	7	and	and	CCONJ
ajpdis-3310	57	8	operational	operational	ADJ
ajpdis-3310	57	9	efficiency	efficiency	NOUN
ajpdis-3310	57	10	helps	help	VERB
ajpdis-3310	57	11	in	in	ADP
ajpdis-3310	57	12	spending	spend	VERB
ajpdis-3310	57	13	less	less	ADV
ajpdis-3310	57	14	,	,	PUNCT
ajpdis-3310	57	15	making	make	VERB
ajpdis-3310	57	16	a	a	DET
ajpdis-3310	57	17	healthy	healthy	ADJ
ajpdis-3310	57	18	balance	balance	NOUN
ajpdis-3310	57	19	sheet	sheet	NOUN
ajpdis-3310	57	20	the	the	DET
ajpdis-3310	57	21	main	main	ADJ
ajpdis-3310	57	22	source	source	NOUN
ajpdis-3310	57	23	of	of	ADP
ajpdis-3310	57	24	revenue	revenue	NOUN
ajpdis-3310	57	25	growth	growth	NOUN
ajpdis-3310	57	26	.	.	PUNCT
ajpdis-3310	58	1	it	it	PRON
ajpdis-3310	58	2	is	be	AUX
ajpdis-3310	58	3	important	important	ADJ
ajpdis-3310	58	4	to	to	PART
ajpdis-3310	58	5	note	note	VERB
ajpdis-3310	58	6	that	that	SCONJ
ajpdis-3310	58	7	the	the	DET
ajpdis-3310	58	8	concept	concept	NOUN
ajpdis-3310	58	9	of	of	ADP
ajpdis-3310	58	10	bank	bank	NOUN
ajpdis-3310	58	11	capitalization	capitalization	NOUN
ajpdis-3310	58	12	in	in	ADP
ajpdis-3310	58	13	the	the	DET
ajpdis-3310	58	14	context	context	NOUN
ajpdis-3310	58	15	of	of	ADP
ajpdis-3310	58	16	uzbek	uzbek	ADJ
ajpdis-3310	58	17	credit	credit	NOUN
ajpdis-3310	58	18	organizations	organization	NOUN
ajpdis-3310	58	19	is	be	AUX
ajpdis-3310	58	20	still	still	ADV
ajpdis-3310	58	21	not	not	PART
ajpdis-3310	58	22	associated	associate	VERB
ajpdis-3310	58	23	with	with	ADP
ajpdis-3310	58	24	the	the	DET
ajpdis-3310	58	25	market	market	NOUN
ajpdis-3310	58	26	interpretation	interpretation	NOUN
ajpdis-3310	58	27	of	of	ADP
ajpdis-3310	58	28	this	this	DET
ajpdis-3310	58	29	term	term	NOUN
ajpdis-3310	58	30	.	.	PUNCT
ajpdis-3310	59	1	both	both	PRON
ajpdis-3310	59	2	in	in	ADP
ajpdis-3310	59	3	the	the	DET
ajpdis-3310	59	4	academic	academic	ADJ
ajpdis-3310	59	5	environment	environment	NOUN
ajpdis-3310	59	6	and	and	CCONJ
ajpdis-3310	59	7	the	the	DET
ajpdis-3310	59	8	banking	banking	NOUN
ajpdis-3310	59	9	community	community	NOUN
ajpdis-3310	59	10	,	,	PUNCT
ajpdis-3310	59	11	capitalization	capitalization	NOUN
ajpdis-3310	59	12	is	be	AUX
ajpdis-3310	59	13	understood	understand	VERB
ajpdis-3310	59	14	only	only	ADV
ajpdis-3310	59	15	as	as	ADP
ajpdis-3310	59	16	the	the	DET
ajpdis-3310	59	17	accumulation	accumulation	NOUN
ajpdis-3310	59	18	of	of	ADP
ajpdis-3310	59	19	the	the	DET
ajpdis-3310	59	20	bank	bank	NOUN
ajpdis-3310	59	21	's	's	PART
ajpdis-3310	59	22	equity	equity	NOUN
ajpdis-3310	59	23	.	.	PUNCT
ajpdis-3310	60	1	consequently	consequently	ADV
ajpdis-3310	60	2	,	,	PUNCT
ajpdis-3310	60	3	excessive	excessive	ADJ
ajpdis-3310	60	4	state	state	NOUN
ajpdis-3310	60	5	presence	presence	NOUN
ajpdis-3310	60	6	,	,	PUNCT
ajpdis-3310	60	7	insufficient	insufficient	ADJ
ajpdis-3310	60	8	competition	competition	NOUN
ajpdis-3310	60	9	,	,	PUNCT
ajpdis-3310	60	10	mismatch	mismatch	NOUN
ajpdis-3310	60	11	of	of	ADP
ajpdis-3310	60	12	corporate	corporate	ADJ
ajpdis-3310	60	13	governance	governance	NOUN
ajpdis-3310	60	14	and	and	CCONJ
ajpdis-3310	60	15	banking	banking	NOUN
ajpdis-3310	60	16	services	service	NOUN
ajpdis-3310	60	17	quality	quality	NOUN
ajpdis-3310	60	18	with	with	ADP
ajpdis-3310	60	19	modern	modern	ADJ
ajpdis-3310	60	20	requirements	requirement	NOUN
ajpdis-3310	60	21	,	,	PUNCT
ajpdis-3310	60	22	as	as	ADV
ajpdis-3310	60	23	well	well	ADV
ajpdis-3310	60	24	as	as	ADP
ajpdis-3310	60	25	a	a	DET
ajpdis-3310	60	26	relatively	relatively	ADV
ajpdis-3310	60	27	low	low	ADJ
ajpdis-3310	60	28	level	level	NOUN
ajpdis-3310	60	29	of	of	ADP
ajpdis-3310	60	30	development	development	NOUN
ajpdis-3310	60	31	of	of	ADP
ajpdis-3310	60	32	specialized	specialized	ADJ
ajpdis-3310	60	33	technologies	technology	NOUN
ajpdis-3310	60	34	applied	apply	VERB
ajpdis-3310	60	35	globally	globally	ADV
ajpdis-3310	60	36	,	,	PUNCT
ajpdis-3310	60	37	are	be	AUX
ajpdis-3310	60	38	the	the	DET
ajpdis-3310	60	39	main	main	ADJ
ajpdis-3310	60	40	obstacles	obstacle	NOUN
ajpdis-3310	60	41	hindering	hinder	VERB
ajpdis-3310	60	42	a	a	DET
ajpdis-3310	60	43	full	full	ADJ
ajpdis-3310	60	44	transition	transition	NOUN
ajpdis-3310	60	45	to	to	ADP
ajpdis-3310	60	46	privatization	privatization	NOUN
ajpdis-3310	60	47	.	.	PUNCT
ajpdis-3310	61	1	however	however	ADV
ajpdis-3310	61	2	,	,	PUNCT
ajpdis-3310	61	3	the	the	DET
ajpdis-3310	61	4	privatization	privatization	NOUN
ajpdis-3310	61	5	strategy	strategy	NOUN
ajpdis-3310	61	6	for	for	ADP
ajpdis-3310	61	7	the	the	DET
ajpdis-3310	61	8	banking	banking	NOUN
ajpdis-3310	61	9	sector	sector	NOUN
ajpdis-3310	61	10	envisions	envision	VERB
ajpdis-3310	61	11	the	the	DET
ajpdis-3310	61	12	divestment	divestment	NOUN
ajpdis-3310	61	13	of	of	ADP
ajpdis-3310	61	14	a	a	DET
ajpdis-3310	61	15	significant	significant	ADJ
ajpdis-3310	61	16	portion	portion	NOUN
ajpdis-3310	61	17	of	of	ADP
ajpdis-3310	61	18	state	state	NOUN
ajpdis-3310	61	19	-	-	PUNCT
ajpdis-3310	61	20	owned	own	VERB
ajpdis-3310	61	21	banks	bank	NOUN
ajpdis-3310	61	22	with	with	ADP
ajpdis-3310	61	23	active	active	ADJ
ajpdis-3310	61	24	support	support	NOUN
ajpdis-3310	61	25	from	from	ADP
ajpdis-3310	61	26	international	international	ADJ
ajpdis-3310	61	27	financial	financial	ADJ
ajpdis-3310	61	28	institutions	institution	NOUN
ajpdis-3310	61	29	(	(	PUNCT
ajpdis-3310	61	30	ifis	ifis	PROPN
ajpdis-3310	61	31	)	)	PUNCT
ajpdis-3310	61	32	such	such	ADJ
ajpdis-3310	61	33	as	as	ADP
ajpdis-3310	61	34	the	the	DET
ajpdis-3310	61	35	international	international	ADJ
ajpdis-3310	61	36	finance	finance	NOUN
ajpdis-3310	61	37	corporation	corporation	NOUN
ajpdis-3310	61	38	,	,	PUNCT
ajpdis-3310	61	39	the	the	DET
ajpdis-3310	61	40	european	european	PROPN
ajpdis-3310	61	41	bank	bank	PROPN
ajpdis-3310	61	42	for	for	ADP
ajpdis-3310	61	43	reconstruction	reconstruction	NOUN
ajpdis-3310	61	44	and	and	CCONJ
ajpdis-3310	61	45	development	development	NOUN
ajpdis-3310	61	46	,	,	PUNCT
ajpdis-3310	61	47	and	and	CCONJ
ajpdis-3310	61	48	the	the	DET
ajpdis-3310	61	49	asian	asian	PROPN
ajpdis-3310	61	50	development	development	PROPN
ajpdis-3310	61	51	bank	bank	PROPN
ajpdis-3310	61	52	.	.	PUNCT
ajpdis-3310	62	1	to	to	PART
ajpdis-3310	62	2	achieve	achieve	VERB
ajpdis-3310	62	3	the	the	DET
ajpdis-3310	62	4	maximum	maximum	ADJ
ajpdis-3310	62	5	positive	positive	ADJ
ajpdis-3310	62	6	effect	effect	NOUN
ajpdis-3310	62	7	,	,	PUNCT
ajpdis-3310	62	8	two	two	NUM
ajpdis-3310	62	9	stages	stage	NOUN
ajpdis-3310	62	10	are	be	AUX
ajpdis-3310	62	11	outlined	outline	VERB
ajpdis-3310	62	12	:	:	PUNCT
ajpdis-3310	62	13	the	the	DET
ajpdis-3310	62	14	transformation	transformation	NOUN
ajpdis-3310	62	15	of	of	ADP
ajpdis-3310	62	16	banks	bank	NOUN
ajpdis-3310	62	17	with	with	ADP
ajpdis-3310	62	18	the	the	DET
ajpdis-3310	62	19	involvement	involvement	NOUN
ajpdis-3310	62	20	of	of	ADP
ajpdis-3310	62	21	international	international	ADJ
ajpdis-3310	62	22	-	-	PUNCT
ajpdis-3310	62	23	level	level	NOUN
ajpdis-3310	62	24	consultants	consultant	NOUN
ajpdis-3310	62	25	,	,	PUNCT
ajpdis-3310	62	26	including	include	VERB
ajpdis-3310	62	27	those	those	PRON
ajpdis-3310	62	28	from	from	ADP
ajpdis-3310	62	29	ifis	ifis	PROPN
ajpdis-3310	62	30	.	.	PUNCT
ajpdis-3310	63	1	the	the	DET
ajpdis-3310	63	2	privatization	privatization	NOUN
ajpdis-3310	63	3	of	of	ADP
ajpdis-3310	63	4	the	the	DET
ajpdis-3310	63	5	state	state	NOUN
ajpdis-3310	63	6	's	's	PART
ajpdis-3310	63	7	share	share	NOUN
ajpdis-3310	63	8	to	to	ADP
ajpdis-3310	63	9	strategic	strategic	ADJ
ajpdis-3310	63	10	investors	investor	NOUN
ajpdis-3310	63	11	with	with	ADP
ajpdis-3310	63	12	extensive	extensive	ADJ
ajpdis-3310	63	13	positive	positive	ADJ
ajpdis-3310	63	14	experience	experience	NOUN
ajpdis-3310	63	15	in	in	ADP
ajpdis-3310	63	16	this	this	DET
ajpdis-3310	63	17	business	business	NOUN
ajpdis-3310	63	18	,	,	PUNCT
ajpdis-3310	63	19	capable	capable	ADJ
ajpdis-3310	63	20	of	of	ADP
ajpdis-3310	63	21	introducing	introduce	VERB
ajpdis-3310	63	22	cutting	cutting	NOUN
ajpdis-3310	63	23	-	-	PUNCT
ajpdis-3310	63	24	edge	edge	NOUN
ajpdis-3310	63	25	solutions	solution	NOUN
ajpdis-3310	63	26	,	,	PUNCT
ajpdis-3310	63	27	ensuring	ensure	VERB
ajpdis-3310	63	28	its	its	PRON
ajpdis-3310	63	29	stable	stable	ADJ
ajpdis-3310	63	30	operation	operation	NOUN
ajpdis-3310	63	31	in	in	ADP
ajpdis-3310	63	32	accordance	accordance	NOUN
ajpdis-3310	63	33	with	with	ADP
ajpdis-3310	63	34	global	global	ADJ
ajpdis-3310	63	35	standards	standard	NOUN
ajpdis-3310	63	36	.	.	PUNCT
ajpdis-3310	64	1	in	in	ADP
ajpdis-3310	64	2	the	the	DET
ajpdis-3310	64	3	digital	digital	ADJ
ajpdis-3310	64	4	transformation	transformation	NOUN
ajpdis-3310	64	5	of	of	ADP
ajpdis-3310	64	6	the	the	DET
ajpdis-3310	64	7	banking	banking	NOUN
ajpdis-3310	64	8	sector	sector	NOUN
ajpdis-3310	64	9	and	and	CCONJ
ajpdis-3310	64	10	privatization	privatization	NOUN
ajpdis-3310	64	11	in	in	ADP
ajpdis-3310	64	12	uzbekistan	uzbekistan	PROPN
ajpdis-3310	64	13	,	,	PUNCT
ajpdis-3310	64	14	there	there	PRON
ajpdis-3310	64	15	is	be	VERB
ajpdis-3310	64	16	currently	currently	ADV
ajpdis-3310	64	17	a	a	DET
ajpdis-3310	64	18	vast	vast	ADJ
ajpdis-3310	64	19	array	array	NOUN
ajpdis-3310	64	20	of	of	ADP
ajpdis-3310	64	21	tasks	task	NOUN
ajpdis-3310	64	22	and	and	CCONJ
ajpdis-3310	64	23	goals	goal	NOUN
ajpdis-3310	64	24	for	for	ADP
ajpdis-3310	64	25	change	change	NOUN
ajpdis-3310	64	26	and	and	CCONJ
ajpdis-3310	64	27	implementation	implementation	NOUN
ajpdis-3310	64	28	.	.	PUNCT
ajpdis-3310	65	1	it	it	PRON
ajpdis-3310	65	2	is	be	AUX
ajpdis-3310	65	3	crucial	crucial	ADJ
ajpdis-3310	65	4	to	to	PART
ajpdis-3310	65	5	dedicate	dedicate	VERB
ajpdis-3310	65	6	significant	significant	ADJ
ajpdis-3310	65	7	time	time	NOUN
ajpdis-3310	65	8	to	to	PART
ajpdis-3310	65	9	research	research	VERB
ajpdis-3310	65	10	and	and	CCONJ
ajpdis-3310	65	11	reach	reach	VERB
ajpdis-3310	65	12	a	a	DET
ajpdis-3310	65	13	new	new	ADJ
ajpdis-3310	65	14	user	user	NOUN
ajpdis-3310	65	15	audience	audience	NOUN
ajpdis-3310	65	16	,	,	PUNCT
ajpdis-3310	65	17	learning	learn	VERB
ajpdis-3310	65	18	to	to	PART
ajpdis-3310	65	19	understand	understand	VERB
ajpdis-3310	65	20	digital	digital	ADJ
ajpdis-3310	65	21	user	user	NOUN
ajpdis-3310	65	22	expectations	expectation	NOUN
ajpdis-3310	65	23	.	.	PUNCT
ajpdis-3310	66	1	it	it	PRON
ajpdis-3310	66	2	is	be	AUX
ajpdis-3310	66	3	essential	essential	ADJ
ajpdis-3310	66	4	to	to	PART
ajpdis-3310	66	5	recognize	recognize	VERB
ajpdis-3310	66	6	that	that	SCONJ
ajpdis-3310	66	7	this	this	DET
ajpdis-3310	66	8	topic	topic	NOUN
ajpdis-3310	66	9	is	be	AUX
ajpdis-3310	66	10	promising	promise	VERB
ajpdis-3310	66	11	and	and	CCONJ
ajpdis-3310	66	12	long	long	ADJ
ajpdis-3310	66	13	-	-	PUNCT
ajpdis-3310	66	14	term	term	NOUN
ajpdis-3310	66	15	,	,	PUNCT
ajpdis-3310	66	16	requiring	require	VERB
ajpdis-3310	66	17	a	a	DET
ajpdis-3310	66	18	http://www/	http://www/	NUM
ajpdis-3310	66	19	373	373	NUM
ajpdis-3310	66	20	american	american	ADJ
ajpdis-3310	66	21	journal	journal	PROPN
ajpdis-3310	66	22	of	of	ADP
ajpdis-3310	66	23	public	public	ADJ
ajpdis-3310	66	24	diplomacy	diplomacy	NOUN
ajpdis-3310	66	25	and	and	CCONJ
ajpdis-3310	66	26	international	international	ADJ
ajpdis-3310	66	27	studies	study	NOUN
ajpdis-3310	66	28	www	www	PROPN
ajpdis-3310	66	29	.	.	PROPN
ajpdis-3310	67	1	grnjournal.us	grnjournal.us	X
ajpdis-3310	67	2	systematic	systematic	ADJ
ajpdis-3310	67	3	approach	approach	NOUN
ajpdis-3310	67	4	at	at	ADP
ajpdis-3310	67	5	each	each	DET
ajpdis-3310	67	6	stage	stage	NOUN
ajpdis-3310	67	7	that	that	PRON
ajpdis-3310	67	8	involves	involve	VERB
ajpdis-3310	67	9	the	the	DET
ajpdis-3310	67	10	banking	banking	NOUN
ajpdis-3310	67	11	infrastructure	infrastructure	NOUN
ajpdis-3310	67	12	and	and	CCONJ
ajpdis-3310	67	13	business	business	NOUN
ajpdis-3310	67	14	processes	process	NOUN
ajpdis-3310	67	15	.	.	PUNCT
ajpdis-3310	68	1	in	in	ADP
ajpdis-3310	68	2	conclusion	conclusion	NOUN
ajpdis-3310	68	3	,	,	PUNCT
ajpdis-3310	68	4	uzbekistan	uzbekistan	PROPN
ajpdis-3310	68	5	's	's	PART
ajpdis-3310	68	6	banking	banking	NOUN
ajpdis-3310	68	7	sector	sector	NOUN
ajpdis-3310	68	8	is	be	AUX
ajpdis-3310	68	9	undergoing	undergo	VERB
ajpdis-3310	68	10	a	a	DET
ajpdis-3310	68	11	profound	profound	ADJ
ajpdis-3310	68	12	digital	digital	ADJ
ajpdis-3310	68	13	transformation	transformation	NOUN
ajpdis-3310	68	14	and	and	CCONJ
ajpdis-3310	68	15	privatization	privatization	NOUN
ajpdis-3310	68	16	process	process	NOUN
ajpdis-3310	68	17	,	,	PUNCT
ajpdis-3310	68	18	driven	drive	VERB
ajpdis-3310	68	19	by	by	ADP
ajpdis-3310	68	20	presidential	presidential	ADJ
ajpdis-3310	68	21	decrees	decree	NOUN
ajpdis-3310	68	22	outlining	outlining	NOUN
ajpdis-3310	68	23	strategies	strategy	NOUN
ajpdis-3310	68	24	for	for	ADP
ajpdis-3310	68	25	reform	reform	NOUN
ajpdis-3310	68	26	.	.	PUNCT
ajpdis-3310	69	1	the	the	DET
ajpdis-3310	69	2	phased	phase	VERB
ajpdis-3310	69	3	approach	approach	NOUN
ajpdis-3310	69	4	includes	include	VERB
ajpdis-3310	69	5	digital	digital	ADJ
ajpdis-3310	69	6	product	product	NOUN
ajpdis-3310	69	7	development	development	NOUN
ajpdis-3310	69	8	,	,	PUNCT
ajpdis-3310	69	9	infrastructure	infrastructure	NOUN
ajpdis-3310	69	10	enhancement	enhancement	NOUN
ajpdis-3310	69	11	,	,	PUNCT
ajpdis-3310	69	12	and	and	CCONJ
ajpdis-3310	69	13	the	the	DET
ajpdis-3310	69	14	creation	creation	NOUN
ajpdis-3310	69	15	of	of	ADP
ajpdis-3310	69	16	a	a	DET
ajpdis-3310	69	17	"	"	PUNCT
ajpdis-3310	69	18	digital	digital	ADJ
ajpdis-3310	69	19	brain	brain	NOUN
ajpdis-3310	69	20	"	"	PUNCT
ajpdis-3310	69	21	for	for	ADP
ajpdis-3310	69	22	comprehensive	comprehensive	ADJ
ajpdis-3310	69	23	data	datum	NOUN
ajpdis-3310	69	24	analysis	analysis	NOUN
ajpdis-3310	69	25	.	.	PUNCT
ajpdis-3310	70	1	despite	despite	SCONJ
ajpdis-3310	70	2	challenges	challenge	NOUN
ajpdis-3310	70	3	such	such	ADJ
ajpdis-3310	70	4	as	as	ADP
ajpdis-3310	70	5	a	a	DET
ajpdis-3310	70	6	lack	lack	NOUN
ajpdis-3310	70	7	of	of	ADP
ajpdis-3310	70	8	qualified	qualified	ADJ
ajpdis-3310	70	9	professionals	professional	NOUN
ajpdis-3310	70	10	,	,	PUNCT
ajpdis-3310	70	11	funding	funding	NOUN
ajpdis-3310	70	12	issues	issue	NOUN
ajpdis-3310	70	13	,	,	PUNCT
ajpdis-3310	70	14	security	security	NOUN
ajpdis-3310	70	15	concerns	concern	NOUN
ajpdis-3310	70	16	,	,	PUNCT
ajpdis-3310	70	17	and	and	CCONJ
ajpdis-3310	70	18	resistance	resistance	NOUN
ajpdis-3310	70	19	to	to	PART
ajpdis-3310	70	20	change	change	VERB
ajpdis-3310	70	21	,	,	PUNCT
ajpdis-3310	70	22	the	the	DET
ajpdis-3310	70	23	envisioned	envision	VERB
ajpdis-3310	70	24	stages	stage	NOUN
ajpdis-3310	70	25	offer	offer	VERB
ajpdis-3310	70	26	a	a	DET
ajpdis-3310	70	27	roadmap	roadmap	NOUN
ajpdis-3310	70	28	for	for	ADP
ajpdis-3310	70	29	sustainable	sustainable	ADJ
ajpdis-3310	70	30	growth	growth	NOUN
ajpdis-3310	70	31	.	.	PUNCT
ajpdis-3310	71	1	the	the	DET
ajpdis-3310	71	2	analysis	analysis	NOUN
ajpdis-3310	71	3	emphasizes	emphasize	VERB
ajpdis-3310	71	4	the	the	DET
ajpdis-3310	71	5	need	need	NOUN
ajpdis-3310	71	6	for	for	ADP
ajpdis-3310	71	7	a	a	DET
ajpdis-3310	71	8	systematic	systematic	ADJ
ajpdis-3310	71	9	,	,	PUNCT
ajpdis-3310	71	10	long	long	ADJ
ajpdis-3310	71	11	-	-	PUNCT
ajpdis-3310	71	12	term	term	NOUN
ajpdis-3310	71	13	approach	approach	NOUN
ajpdis-3310	71	14	in	in	ADP
ajpdis-3310	71	15	aligning	align	VERB
ajpdis-3310	71	16	the	the	DET
ajpdis-3310	71	17	banking	banking	NOUN
ajpdis-3310	71	18	infrastructure	infrastructure	NOUN
ajpdis-3310	71	19	and	and	CCONJ
ajpdis-3310	71	20	business	business	NOUN
ajpdis-3310	71	21	processes	process	NOUN
ajpdis-3310	71	22	with	with	ADP
ajpdis-3310	71	23	digital	digital	ADJ
ajpdis-3310	71	24	expectations	expectation	NOUN
ajpdis-3310	71	25	.	.	PUNCT
ajpdis-3310	72	1	as	as	SCONJ
ajpdis-3310	72	2	uzbekistan	uzbekistan	PROPN
ajpdis-3310	72	3	navigates	navigate	VERB
ajpdis-3310	72	4	these	these	DET
ajpdis-3310	72	5	changes	change	NOUN
ajpdis-3310	72	6	,	,	PUNCT
ajpdis-3310	72	7	the	the	DET
ajpdis-3310	72	8	strategic	strategic	ADJ
ajpdis-3310	72	9	involvement	involvement	NOUN
ajpdis-3310	72	10	of	of	ADP
ajpdis-3310	72	11	international	international	ADJ
ajpdis-3310	72	12	consultants	consultant	NOUN
ajpdis-3310	72	13	and	and	CCONJ
ajpdis-3310	72	14	a	a	DET
ajpdis-3310	72	15	phased	phase	VERB
ajpdis-3310	72	16	privatization	privatization	NOUN
ajpdis-3310	72	17	strategy	strategy	NOUN
ajpdis-3310	72	18	,	,	PUNCT
ajpdis-3310	72	19	backed	back	VERB
ajpdis-3310	72	20	by	by	ADP
ajpdis-3310	72	21	global	global	ADJ
ajpdis-3310	72	22	financial	financial	ADJ
ajpdis-3310	72	23	institutions	institution	NOUN
ajpdis-3310	72	24	,	,	PUNCT
ajpdis-3310	72	25	is	be	AUX
ajpdis-3310	72	26	essential	essential	ADJ
ajpdis-3310	72	27	.	.	PUNCT
ajpdis-3310	73	1	the	the	DET
ajpdis-3310	73	2	successful	successful	ADJ
ajpdis-3310	73	3	implementation	implementation	NOUN
ajpdis-3310	73	4	of	of	ADP
ajpdis-3310	73	5	these	these	DET
ajpdis-3310	73	6	measures	measure	NOUN
ajpdis-3310	73	7	will	will	AUX
ajpdis-3310	73	8	position	position	VERB
ajpdis-3310	73	9	uzbekistan	uzbekistan	PROPN
ajpdis-3310	73	10	's	's	PART
ajpdis-3310	73	11	banking	banking	NOUN
ajpdis-3310	73	12	sector	sector	NOUN
ajpdis-3310	73	13	as	as	ADP
ajpdis-3310	73	14	a	a	DET
ajpdis-3310	73	15	modern	modern	ADJ
ajpdis-3310	73	16	,	,	PUNCT
ajpdis-3310	73	17	competitive	competitive	ADJ
ajpdis-3310	73	18	entity	entity	NOUN
ajpdis-3310	73	19	in	in	ADP
ajpdis-3310	73	20	the	the	DET
ajpdis-3310	73	21	global	global	ADJ
ajpdis-3310	73	22	financial	financial	ADJ
ajpdis-3310	73	23	landscape	landscape	NOUN
ajpdis-3310	73	24	.	.	PUNCT
ajpdis-3310	74	1	references	reference	NOUN
ajpdis-3310	74	2	:	:	PUNCT
ajpdis-3310	74	3	1	1	X
ajpdis-3310	74	4	.	.	X
ajpdis-3310	74	5	decree	decree	NOUN
ajpdis-3310	74	6	of	of	ADP
ajpdis-3310	74	7	the	the	DET
ajpdis-3310	74	8	president	president	NOUN
ajpdis-3310	74	9	of	of	ADP
ajpdis-3310	74	10	the	the	DET
ajpdis-3310	74	11	republic	republic	NOUN
ajpdis-3310	74	12	of	of	ADP
ajpdis-3310	74	13	uzbekistan	uzbekistan	PROPN
ajpdis-3310	74	14	"	"	PUNCT
ajpdis-3310	74	15	on	on	ADP
ajpdis-3310	74	16	the	the	DET
ajpdis-3310	74	17	strategy	strategy	NOUN
ajpdis-3310	74	18	for	for	ADP
ajpdis-3310	74	19	reforming	reform	VERB
ajpdis-3310	74	20	the	the	DET
ajpdis-3310	74	21	banking	banking	NOUN
ajpdis-3310	74	22	system	system	NOUN
ajpdis-3310	74	23	of	of	ADP
ajpdis-3310	74	24	the	the	DET
ajpdis-3310	74	25	republic	republic	NOUN
ajpdis-3310	74	26	of	of	ADP
ajpdis-3310	74	27	uzbekistan	uzbekistan	PROPN
ajpdis-3310	74	28	for	for	ADP
ajpdis-3310	74	29	2020	2020	NUM
ajpdis-3310	74	30	-	-	SYM
ajpdis-3310	74	31	2025	2025	NUM
ajpdis-3310	74	32	"	"	PUNCT
ajpdis-3310	74	33	dated	date	VERB
ajpdis-3310	74	34	may	may	PROPN
ajpdis-3310	74	35	12	12	NUM
ajpdis-3310	74	36	,	,	PUNCT
ajpdis-3310	74	37	2020	2020	NUM
ajpdis-3310	74	38	,	,	PUNCT
ajpdis-3310	74	39	no	no	INTJ
ajpdis-3310	74	40	.	.	NOUN
ajpdis-3310	74	41	pd-5992	pd-5992	NOUN
ajpdis-3310	74	42	.	.	PUNCT
ajpdis-3310	75	1	2	2	X
ajpdis-3310	75	2	.	.	X
ajpdis-3310	75	3	resolution	resolution	NOUN
ajpdis-3310	75	4	of	of	ADP
ajpdis-3310	75	5	the	the	DET
ajpdis-3310	75	6	president	president	NOUN
ajpdis-3310	75	7	of	of	ADP
ajpdis-3310	75	8	the	the	DET
ajpdis-3310	75	9	republic	republic	NOUN
ajpdis-3310	75	10	of	of	ADP
ajpdis-3310	75	11	uzbekistan	uzbekistan	PROPN
ajpdis-3310	75	12	"	"	PUNCT
ajpdis-3310	75	13	on	on	ADP
ajpdis-3310	75	14	measures	measure	NOUN
ajpdis-3310	75	15	for	for	ADP
ajpdis-3310	75	16	further	far	ADV
ajpdis-3310	75	17	modernizing	modernize	VERB
ajpdis-3310	75	18	the	the	DET
ajpdis-3310	75	19	digital	digital	ADJ
ajpdis-3310	75	20	infrastructure	infrastructure	NOUN
ajpdis-3310	75	21	for	for	ADP
ajpdis-3310	75	22	the	the	DET
ajpdis-3310	75	23	development	development	NOUN
ajpdis-3310	75	24	of	of	ADP
ajpdis-3310	75	25	the	the	DET
ajpdis-3310	75	26	digital	digital	ADJ
ajpdis-3310	75	27	economy	economy	NOUN
ajpdis-3310	75	28	"	"	PUNCT
ajpdis-3310	75	29	dated	date	VERB
ajpdis-3310	75	30	november	november	PROPN
ajpdis-3310	75	31	21	21	NUM
ajpdis-3310	75	32	,	,	PUNCT
ajpdis-3310	75	33	2018	2018	NUM
ajpdis-3310	75	34	,	,	PUNCT
ajpdis-3310	75	35	no	no	INTJ
ajpdis-3310	75	36	.	.	PUNCT
ajpdis-3310	75	37	pd-4022	pd-4022	NOUN
ajpdis-3310	75	38	.	.	PUNCT
ajpdis-3310	76	1	3	3	X
ajpdis-3310	76	2	.	.	X
ajpdis-3310	76	3	abbasov	abbasov	PROPN
ajpdis-3310	76	4	,	,	PUNCT
ajpdis-3310	76	5	a.	a.	NOUN
ajpdis-3310	76	6	m.	m.	NOUN
ajpdis-3310	76	7	,	,	PUNCT
ajpdis-3310	76	8	mamedov	mamedov	PROPN
ajpdis-3310	76	9	,	,	PUNCT
ajpdis-3310	76	10	z.	z.	PROPN
ajpdis-3310	76	11	f.	f.	PROPN
ajpdis-3310	76	12	,	,	PUNCT
ajpdis-3310	76	13	&	&	CCONJ
ajpdis-3310	76	14	aliev	aliev	PROPN
ajpdis-3310	76	15	,	,	PUNCT
ajpdis-3310	76	16	s.	s.	PROPN
ajpdis-3310	76	17	a.	a.	PROPN
ajpdis-3310	76	18	(	(	PUNCT
ajpdis-3310	76	19	2019	2019	NUM
ajpdis-3310	76	20	)	)	PUNCT
ajpdis-3310	76	21	.	.	PUNCT
ajpdis-3310	77	1	digitalization	digitalization	NOUN
ajpdis-3310	77	2	of	of	ADP
ajpdis-3310	77	3	the	the	DET
ajpdis-3310	77	4	banking	banking	NOUN
ajpdis-3310	77	5	sector	sector	NOUN
ajpdis-3310	77	6	:	:	PUNCT
ajpdis-3310	77	7	new	new	ADJ
ajpdis-3310	77	8	challenges	challenge	NOUN
ajpdis-3310	77	9	and	and	CCONJ
ajpdis-3310	77	10	prospects	prospect	NOUN
ajpdis-3310	77	11	.	.	PUNCT
ajpdis-3310	78	1	economics	economic	NOUN
ajpdis-3310	78	2	and	and	CCONJ
ajpdis-3310	78	3	management	management	NOUN
ajpdis-3310	78	4	.	.	PUNCT
ajpdis-3310	79	1	4	4	X
ajpdis-3310	79	2	.	.	X
ajpdis-3310	79	3	sozaeva	sozaeva	VERB
ajpdis-3310	79	4	t.kh	t.kh	PROPN
ajpdis-3310	79	5	.	.	PUNCT
ajpdis-3310	79	6	,	,	PUNCT
ajpdis-3310	79	7	zumakulova	zumakulova	PROPN
ajpdis-3310	79	8	f.s	f.s	VERB
ajpdis-3310	79	9	.	.	PROPN
ajpdis-3310	79	10	,	,	PUNCT
ajpdis-3310	79	11	ilyasova	ilyasova	PROPN
ajpdis-3310	79	12	k.kh	k.kh	PROPN
ajpdis-3310	79	13	.	.	PUNCT
ajpdis-3310	79	14	digitalization	digitalization	NOUN
ajpdis-3310	79	15	of	of	ADP
ajpdis-3310	79	16	the	the	DET
ajpdis-3310	79	17	banking	banking	NOUN
ajpdis-3310	79	18	sector	sector	NOUN
ajpdis-3310	79	19	:	:	PUNCT
ajpdis-3310	79	20	trends	trend	NOUN
ajpdis-3310	79	21	and	and	CCONJ
ajpdis-3310	79	22	problems	problem	NOUN
ajpdis-3310	79	23	.	.	PUNCT
ajpdis-3310	80	1	sibirskaya	sibirskaya	PROPN
ajpdis-3310	80	2	finansovaya	finansovaya	PROPN
ajpdis-3310	80	3	shkola	shkola	PROPN
ajpdis-3310	80	4	.	.	PUNCT
ajpdis-3310	81	1	2023	2023	NUM
ajpdis-3310	81	2	.	.	PUNCT
ajpdis-3310	81	3	http://www/	http://www/	PUNCT