id sid tid token lemma pos issue-1100 1 1 baltic baltic PROPN issue-1100 1 2 journal journal PROPN issue-1100 1 3 of of ADP issue-1100 1 4 economic economic ADJ issue-1100 1 5 studies study NOUN issue-1100 1 6 77 77 NUM issue-1100 1 7 vol vol NOUN issue-1100 1 8 . . PROPN issue-1100 1 9 7 7 NUM issue-1100 1 10 no no NOUN issue-1100 1 11 . . NOUN issue-1100 1 12 2 2 NUM issue-1100 1 13 , , PUNCT issue-1100 1 14 2021 2021 NUM issue-1100 1 15 corresponding correspond VERB issue-1100 1 16 author author NOUN issue-1100 1 17 : : PUNCT issue-1100 1 18 1 1 NUM issue-1100 1 19 ivan ivan PROPN issue-1100 1 20 franko franko PROPN issue-1100 1 21 national national PROPN issue-1100 1 22 university university PROPN issue-1100 1 23 of of ADP issue-1100 1 24 lviv lviv PROPN issue-1100 1 25 , , PUNCT issue-1100 1 26 ukraine ukraine NOUN issue-1100 1 27 . . PUNCT issue-1100 2 1 e e X issue-1100 2 2 - - NOUN issue-1100 2 3 mail mail NOUN issue-1100 2 4 : : PUNCT issue-1100 2 5 olha.zamaslo@lnu.edu.ua olha.zamaslo@lnu.edu.ua PROPN issue-1100 2 6 orcid orcid NOUN issue-1100 2 7 : : PUNCT issue-1100 2 8 https://orcid.org/0000-0001-7128-8425 https://orcid.org/0000-0001-7128-8425 PROPN issue-1100 2 9 2 2 NUM issue-1100 2 10 ivan ivan PROPN issue-1100 2 11 franko franko PROPN issue-1100 2 12 national national PROPN issue-1100 2 13 university university PROPN issue-1100 2 14 of of ADP issue-1100 2 15 lviv lviv PROPN issue-1100 2 16 , , PUNCT issue-1100 2 17 ukraine ukraine NOUN issue-1100 2 18 . . PUNCT issue-1100 3 1 e e X issue-1100 3 2 - - NOUN issue-1100 3 3 mail mail NOUN issue-1100 3 4 : : PUNCT issue-1100 3 5 vkovalenko29@ukr.net vkovalenko29@ukr.net NOUN issue-1100 3 6 orcid orcid NOUN issue-1100 3 7 : : PUNCT issue-1100 3 8 https://orcid.org/0000-0003-2946-1364 https://orcid.org/0000-0003-2946-1364 NOUN issue-1100 3 9 3 3 NUM issue-1100 3 10 simon simon PROPN issue-1100 3 11 kuznets kuznets PROPN issue-1100 3 12 kharkiv kharkiv PROPN issue-1100 3 13 national national PROPN issue-1100 3 14 university university PROPN issue-1100 3 15 of of ADP issue-1100 3 16 economics economic NOUN issue-1100 3 17 , , PUNCT issue-1100 3 18 ukraine ukraine NOUN issue-1100 3 19 . . PUNCT issue-1100 4 1 e e X issue-1100 4 2 - - NOUN issue-1100 4 3 mail mail NOUN issue-1100 4 4 : : PUNCT issue-1100 4 5 olgalozinskaya1@gmail.com olgalozinskaya1@gmail.com X issue-1100 5 1 orcid orcid NOUN issue-1100 5 2 : : PUNCT issue-1100 5 3 https://orcid.org/0000-0003-2882-3546 https://orcid.org/0000-0003-2882-3546 PROPN issue-1100 5 4 scopus scopus PROPN issue-1100 5 5 author author NOUN issue-1100 5 6 i i PROPN issue-1100 5 7 d d PROPN issue-1100 5 8 : : PUNCT issue-1100 5 9 57220577967 57220577967 NUM issue-1100 5 10 doi doi NOUN issue-1100 5 11 : : PUNCT issue-1100 5 12 https://doi.org/10.30525/2256-0742/2021-7-2-77-82 https://doi.org/10.30525/2256-0742/2021-7-2-77-82 PROPN issue-1100 5 13 digital digital ADJ issue-1100 5 14 transformation transformation NOUN issue-1100 5 15 level level NOUN issue-1100 5 16 indicators indicator NOUN issue-1100 5 17 of of ADP issue-1100 5 18 banks bank NOUN issue-1100 5 19 olha olha NOUN issue-1100 5 20 zamaslo1 zamaslo1 PROPN issue-1100 5 21 , , PUNCT issue-1100 5 22 viktor viktor PROPN issue-1100 5 23 kovalenko2 kovalenko2 PROPN issue-1100 5 24 , , PUNCT issue-1100 5 25 olha olha VERB issue-1100 5 26 lozynska3 lozynska3 NOUN issue-1100 5 27 abstract abstract NOUN issue-1100 5 28 . . PUNCT issue-1100 6 1 the the DET issue-1100 6 2 article article NOUN issue-1100 6 3 studies study VERB issue-1100 6 4 the the DET issue-1100 6 5 approach approach NOUN issue-1100 6 6 to to ADP issue-1100 6 7 assessing assess VERB issue-1100 6 8 the the DET issue-1100 6 9 banking banking NOUN issue-1100 6 10 digitalization digitalization NOUN issue-1100 6 11 influenced influence VERB issue-1100 6 12 by by ADP issue-1100 6 13 economy economy NOUN issue-1100 6 14 digitalization digitalization NOUN issue-1100 6 15 , , PUNCT issue-1100 6 16 dynamically dynamically ADV issue-1100 6 17 spread spread VERB issue-1100 6 18 electronic electronic ADJ issue-1100 6 19 payments payment NOUN issue-1100 6 20 , , PUNCT issue-1100 6 21 e e NOUN issue-1100 6 22 - - NOUN issue-1100 6 23 commerce commerce NOUN issue-1100 6 24 , , PUNCT issue-1100 6 25 and and CCONJ issue-1100 6 26 innovative innovative ADJ issue-1100 6 27 digital digital ADJ issue-1100 6 28 service service NOUN issue-1100 6 29 technologies technology NOUN issue-1100 6 30 . . PUNCT issue-1100 7 1 digitalized digitalize VERB issue-1100 7 2 banking banking NOUN issue-1100 7 3 services service NOUN issue-1100 7 4 , , PUNCT issue-1100 7 5 widespread widespread ADJ issue-1100 7 6 online online ADJ issue-1100 7 7 platforms platform NOUN issue-1100 7 8 and and CCONJ issue-1100 7 9 digital digital ADJ issue-1100 7 10 customer customer NOUN issue-1100 7 11 communication communication NOUN issue-1100 7 12 channels channel NOUN issue-1100 7 13 require require VERB issue-1100 7 14 an an DET issue-1100 7 15 approach approach NOUN issue-1100 7 16 to to ADP issue-1100 7 17 assessing assess VERB issue-1100 7 18 the the DET issue-1100 7 19 banking banking NOUN issue-1100 7 20 digitalization digitalization NOUN issue-1100 7 21 identifying identify VERB issue-1100 7 22 the the DET issue-1100 7 23 bank bank NOUN issue-1100 7 24 ’s ’s PART issue-1100 7 25 competitiveness competitiveness NOUN issue-1100 7 26 , , PUNCT issue-1100 7 27 strengths strength NOUN issue-1100 7 28 and and CCONJ issue-1100 7 29 weaknesses weakness NOUN issue-1100 7 30 strategically strategically ADV issue-1100 7 31 . . PUNCT issue-1100 8 1 the the DET issue-1100 8 2 aim aim NOUN issue-1100 8 3 is be AUX issue-1100 8 4 to to PART issue-1100 8 5 develop develop VERB issue-1100 8 6 a a DET issue-1100 8 7 banking banking NOUN issue-1100 8 8 digitalization digitalization NOUN issue-1100 8 9 indicator indicator NOUN issue-1100 8 10 system system NOUN issue-1100 8 11 and and CCONJ issue-1100 8 12 assessment assessment NOUN issue-1100 8 13 methods method NOUN issue-1100 8 14 within within ADP issue-1100 8 15 a a DET issue-1100 8 16 complex complex ADJ issue-1100 8 17 indicator indicator NOUN issue-1100 8 18 . . PUNCT issue-1100 9 1 to to PART issue-1100 9 2 achieve achieve VERB issue-1100 9 3 this this PRON issue-1100 9 4 , , PUNCT issue-1100 9 5 the the DET issue-1100 9 6 research research NOUN issue-1100 9 7 applied apply VERB issue-1100 9 8 generalization generalization NOUN issue-1100 9 9 , , PUNCT issue-1100 9 10 grouping grouping NOUN issue-1100 9 11 , , PUNCT issue-1100 9 12 systematization systematization NOUN issue-1100 9 13 to to PART issue-1100 9 14 form form VERB issue-1100 9 15 a a DET issue-1100 9 16 grouped group VERB issue-1100 9 17 indicator indicator NOUN issue-1100 9 18 system system NOUN issue-1100 9 19 ; ; PUNCT issue-1100 9 20 static static ADJ issue-1100 9 21 , , PUNCT issue-1100 9 22 dynamic dynamic ADJ issue-1100 9 23 , , PUNCT issue-1100 9 24 structural structural ADJ issue-1100 9 25 indicator indicator NOUN issue-1100 9 26 assessment assessment NOUN issue-1100 9 27 methods method NOUN issue-1100 9 28 ; ; PUNCT issue-1100 9 29 normalization normalization NOUN issue-1100 9 30 and and CCONJ issue-1100 9 31 integration integration NOUN issue-1100 9 32 by by ADP issue-1100 9 33 arithmetic arithmetic ADJ issue-1100 9 34 mean mean NOUN issue-1100 9 35 . . PUNCT issue-1100 10 1 this this DET issue-1100 10 2 approach approach NOUN issue-1100 10 3 utilizes utilize VERB issue-1100 10 4 the the DET issue-1100 10 5 banking banking NOUN issue-1100 10 6 digitalization digitalization NOUN issue-1100 10 7 indicators indicator NOUN issue-1100 10 8 systematically systematically ADV issue-1100 10 9 generalized generalize VERB issue-1100 10 10 by by ADP issue-1100 10 11 three three NUM issue-1100 10 12 groups group NOUN issue-1100 10 13 : : PUNCT issue-1100 10 14 digital digital ADJ issue-1100 10 15 banking banking NOUN issue-1100 10 16 platform platform NOUN issue-1100 10 17 indicators indicator NOUN issue-1100 10 18 ; ; PUNCT issue-1100 10 19 bank bank NOUN issue-1100 10 20 ’s ’s PART issue-1100 10 21 digital digital ADJ issue-1100 10 22 service service NOUN issue-1100 10 23 indicators indicator NOUN issue-1100 10 24 ; ; PUNCT issue-1100 10 25 indicators indicator NOUN issue-1100 10 26 of of ADP issue-1100 10 27 digital digital ADJ issue-1100 10 28 communications communication NOUN issue-1100 10 29 with with ADP issue-1100 10 30 the the DET issue-1100 10 31 bank bank NOUN issue-1100 10 32 ’s ’s PART issue-1100 10 33 customers customer NOUN issue-1100 10 34 . . PUNCT issue-1100 11 1 each each DET issue-1100 11 2 group group NOUN issue-1100 11 3 provides provide VERB issue-1100 11 4 a a DET issue-1100 11 5 flexible flexible ADJ issue-1100 11 6 indicator indicator NOUN issue-1100 11 7 set set VERB issue-1100 11 8 to to PART issue-1100 11 9 track track VERB issue-1100 11 10 the the DET issue-1100 11 11 changing change VERB issue-1100 11 12 banking banking NOUN issue-1100 11 13 digitalization digitalization NOUN issue-1100 11 14 trends trend NOUN issue-1100 11 15 . . PUNCT issue-1100 12 1 outlining outline VERB issue-1100 12 2 the the DET issue-1100 12 3 mathematical mathematical ADJ issue-1100 12 4 transformation transformation NOUN issue-1100 12 5 of of ADP issue-1100 12 6 indicators indicator NOUN issue-1100 12 7 into into ADP issue-1100 12 8 a a DET issue-1100 12 9 single single ADJ issue-1100 12 10 integrated integrate VERB issue-1100 12 11 indicator indicator NOUN issue-1100 12 12 determines determine VERB issue-1100 12 13 the the DET issue-1100 12 14 use use NOUN issue-1100 12 15 of of ADP issue-1100 12 16 innovative innovative ADJ issue-1100 12 17 products product NOUN issue-1100 12 18 and and CCONJ issue-1100 12 19 services service NOUN issue-1100 12 20 and and CCONJ issue-1100 12 21 substantiates substantiate VERB issue-1100 12 22 the the DET issue-1100 12 23 areas area NOUN issue-1100 12 24 of of ADP issue-1100 12 25 ensuring ensure VERB issue-1100 12 26 competitiveness competitiveness NOUN issue-1100 12 27 and and CCONJ issue-1100 12 28 improving improve VERB issue-1100 12 29 the the DET issue-1100 12 30 bank bank NOUN issue-1100 12 31 ’s ’s PART issue-1100 12 32 development development NOUN issue-1100 12 33 strategy strategy NOUN issue-1100 12 34 . . PUNCT issue-1100 13 1 while while SCONJ issue-1100 13 2 assessing assess VERB issue-1100 13 3 the the DET issue-1100 13 4 banking banking NOUN issue-1100 13 5 digitalization digitalization NOUN issue-1100 13 6 , , PUNCT issue-1100 13 7 this this DET issue-1100 13 8 approach approach NOUN issue-1100 13 9 grants grant VERB issue-1100 13 10 the the DET issue-1100 13 11 following following ADJ issue-1100 13 12 advantages advantage NOUN issue-1100 13 13 : : PUNCT issue-1100 13 14 this this DET issue-1100 13 15 analytical analytical ADJ issue-1100 13 16 tool tool NOUN issue-1100 13 17 monitors monitor NOUN issue-1100 13 18 , , PUNCT issue-1100 13 19 analyses analysis NOUN issue-1100 13 20 , , PUNCT issue-1100 13 21 and and CCONJ issue-1100 13 22 assesses assess VERB issue-1100 13 23 the the DET issue-1100 13 24 banking banking NOUN issue-1100 13 25 digitalization digitalization NOUN issue-1100 13 26 trends trend NOUN issue-1100 13 27 ; ; PUNCT issue-1100 13 28 banks bank NOUN issue-1100 13 29 will will AUX issue-1100 13 30 realize realize VERB issue-1100 13 31 the the DET issue-1100 13 32 strengths strength NOUN issue-1100 13 33 and and CCONJ issue-1100 13 34 weaknesses weakness NOUN issue-1100 13 35 of of ADP issue-1100 13 36 digital digital ADJ issue-1100 13 37 tools tool NOUN issue-1100 13 38 to to PART issue-1100 13 39 ensure ensure VERB issue-1100 13 40 the the DET issue-1100 13 41 banking banking NOUN issue-1100 13 42 market market NOUN issue-1100 13 43 competitiveness competitiveness NOUN issue-1100 13 44 ; ; PUNCT issue-1100 13 45 competitive competitive ADJ issue-1100 13 46 positioning positioning NOUN issue-1100 13 47 of of ADP issue-1100 13 48 a a DET issue-1100 13 49 bank bank NOUN issue-1100 13 50 in in ADP issue-1100 13 51 the the DET issue-1100 13 52 banking banking NOUN issue-1100 13 53 service service NOUN issue-1100 13 54 market market NOUN issue-1100 13 55 ; ; PUNCT issue-1100 13 56 analysing analyse VERB issue-1100 13 57 , , PUNCT issue-1100 13 58 assessing assess VERB issue-1100 13 59 , , PUNCT issue-1100 13 60 and and CCONJ issue-1100 13 61 positioning positioning NOUN issue-1100 13 62 improve improve VERB issue-1100 13 63 the the DET issue-1100 13 64 bank bank NOUN issue-1100 13 65 ’s ’s PART issue-1100 13 66 development development NOUN issue-1100 13 67 strategy strategy NOUN issue-1100 13 68 , , PUNCT issue-1100 13 69 relevant relevant ADJ issue-1100 13 70 technologies technology NOUN issue-1100 13 71 , , PUNCT issue-1100 13 72 and and CCONJ issue-1100 13 73 digital digital ADJ issue-1100 13 74 transformation transformation NOUN issue-1100 13 75 tools tool NOUN issue-1100 13 76 . . PUNCT issue-1100 14 1 future future ADJ issue-1100 14 2 research research NOUN issue-1100 14 3 should should AUX issue-1100 14 4 consider consider VERB issue-1100 14 5 an an DET issue-1100 14 6 approach approach NOUN issue-1100 14 7 to to ADP issue-1100 14 8 improving improve VERB issue-1100 14 9 the the DET issue-1100 14 10 development development NOUN issue-1100 14 11 of of ADP issue-1100 14 12 the the DET issue-1100 14 13 bank bank NOUN issue-1100 14 14 ’s ’s PART issue-1100 14 15 marketing marketing NOUN issue-1100 14 16 strategy strategy NOUN issue-1100 14 17 utilizing utilize VERB issue-1100 14 18 digital digital ADJ issue-1100 14 19 technologies technology NOUN issue-1100 14 20 . . PUNCT issue-1100 15 1 key key ADJ issue-1100 15 2 words word NOUN issue-1100 15 3 : : PUNCT issue-1100 15 4 assessment assessment NOUN issue-1100 15 5 , , PUNCT issue-1100 15 6 indicator indicator NOUN issue-1100 15 7 , , PUNCT issue-1100 15 8 competitive competitive ADJ issue-1100 15 9 position position NOUN issue-1100 15 10 , , PUNCT issue-1100 15 11 digital digital ADJ issue-1100 15 12 tools tool NOUN issue-1100 15 13 , , PUNCT issue-1100 15 14 digital digital ADJ issue-1100 15 15 services service NOUN issue-1100 15 16 , , PUNCT issue-1100 15 17 digital digital ADJ issue-1100 15 18 channels channel NOUN issue-1100 15 19 , , PUNCT issue-1100 15 20 digital digital ADJ issue-1100 15 21 platforms platform NOUN issue-1100 15 22 . . PUNCT issue-1100 16 1 jel jel PROPN issue-1100 16 2 classification classification PROPN issue-1100 16 3 : : PUNCT issue-1100 16 4 g21 g21 PROPN issue-1100 16 5 , , PUNCT issue-1100 16 6 l11 l11 PROPN issue-1100 16 7 , , PUNCT issue-1100 16 8 l13 l13 PROPN issue-1100 16 9 1 1 NUM issue-1100 16 10 . . PUNCT issue-1100 17 1 introduction introduction NOUN issue-1100 17 2 digital digital ADJ issue-1100 17 3 transformation transformation NOUN issue-1100 17 4 represents represent VERB issue-1100 17 5 a a DET issue-1100 17 6 dynamic dynamic ADJ issue-1100 17 7 direction direction NOUN issue-1100 17 8 in in ADP issue-1100 17 9 improving improve VERB issue-1100 17 10 banking banking NOUN issue-1100 17 11 . . PUNCT issue-1100 18 1 it it PRON issue-1100 18 2 identifies identify VERB issue-1100 18 3 new new ADJ issue-1100 18 4 customer customer NOUN issue-1100 18 5 interaction interaction NOUN issue-1100 18 6 forms form NOUN issue-1100 18 7 , , PUNCT issue-1100 18 8 processes process NOUN issue-1100 18 9 , , PUNCT issue-1100 18 10 and and CCONJ issue-1100 18 11 banking banking NOUN issue-1100 18 12 products product NOUN issue-1100 18 13 . . PUNCT issue-1100 19 1 digital digital ADJ issue-1100 19 2 transformation transformation NOUN issue-1100 19 3 and and CCONJ issue-1100 19 4 implemented implement VERB issue-1100 19 5 fintechs fintech NOUN issue-1100 19 6 provide provide VERB issue-1100 19 7 innovative innovative ADJ issue-1100 19 8 functions function NOUN issue-1100 19 9 for for ADP issue-1100 19 10 banking banking NOUN issue-1100 19 11 institutions institution NOUN issue-1100 19 12 and and CCONJ issue-1100 19 13 determine determine VERB issue-1100 19 14 the the DET issue-1100 19 15 key key ADJ issue-1100 19 16 competition competition NOUN issue-1100 19 17 priorities priority NOUN issue-1100 19 18 in in ADP issue-1100 19 19 the the DET issue-1100 19 20 sector sector NOUN issue-1100 19 21 . . PUNCT issue-1100 20 1 according accord VERB issue-1100 20 2 to to ADP issue-1100 20 3 the the DET issue-1100 20 4 annual annual ADJ issue-1100 20 5 digital digital ADJ issue-1100 20 6 banking banking NOUN issue-1100 20 7 maturity maturity NOUN issue-1100 20 8 review review NOUN issue-1100 20 9 ( ( PUNCT issue-1100 20 10 deloitte deloitte PROPN issue-1100 20 11 , , PUNCT issue-1100 20 12 2020 2020 NUM issue-1100 20 13 ) ) PUNCT issue-1100 20 14 , , PUNCT issue-1100 20 15 in in ADP issue-1100 20 16 2020 2020 NUM issue-1100 20 17 , , PUNCT issue-1100 20 18 banks bank NOUN issue-1100 20 19 increased increase VERB issue-1100 20 20 the the DET issue-1100 20 21 introduction introduction NOUN issue-1100 20 22 of of ADP issue-1100 20 23 new new ADJ issue-1100 20 24 digital digital ADJ issue-1100 20 25 tools tool NOUN issue-1100 20 26 and and CCONJ issue-1100 20 27 processes process NOUN issue-1100 20 28 , , PUNCT issue-1100 20 29 such such ADJ issue-1100 20 30 as as ADP issue-1100 20 31 : : PUNCT issue-1100 20 32 account account NOUN issue-1100 20 33 opening opening NOUN issue-1100 20 34 ( ( PUNCT issue-1100 20 35 by by ADP issue-1100 20 36 34 34 NUM issue-1100 20 37 % % NOUN issue-1100 20 38 ) ) PUNCT issue-1100 20 39 , , PUNCT issue-1100 20 40 remote remote ADJ issue-1100 20 41 customer customer NOUN issue-1100 20 42 identification identification NOUN issue-1100 20 43 and and CCONJ issue-1100 20 44 verification verification NOUN issue-1100 20 45 ( ( PUNCT issue-1100 20 46 by by ADP issue-1100 20 47 23 23 NUM issue-1100 20 48 % % NOUN issue-1100 20 49 ) ) PUNCT issue-1100 20 50 , , PUNCT issue-1100 20 51 and and CCONJ issue-1100 20 52 distance distance NOUN issue-1100 20 53 payments payment NOUN issue-1100 20 54 ( ( PUNCT issue-1100 20 55 by by ADP issue-1100 20 56 18 18 NUM issue-1100 20 57 % % NOUN issue-1100 20 58 ) ) PUNCT issue-1100 20 59 . . PUNCT issue-1100 21 1 establishing establish VERB issue-1100 21 2 the the DET issue-1100 21 3 fact fact NOUN issue-1100 21 4 of of ADP issue-1100 21 5 digital digital ADJ issue-1100 21 6 transformation transformation NOUN issue-1100 21 7 in in ADP issue-1100 21 8 the the DET issue-1100 21 9 banking banking NOUN issue-1100 21 10 sector sector NOUN issue-1100 21 11 requires require VERB issue-1100 21 12 the the DET issue-1100 21 13 development development NOUN issue-1100 21 14 of of ADP issue-1100 21 15 a a DET issue-1100 21 16 digital digital ADJ issue-1100 21 17 transformation transformation NOUN issue-1100 21 18 strategy strategy NOUN issue-1100 21 19 by by ADP issue-1100 21 20 banking banking NOUN issue-1100 21 21 institutions institution NOUN issue-1100 21 22 , , PUNCT issue-1100 21 23 which which PRON issue-1100 21 24 , , PUNCT issue-1100 21 25 in in ADP issue-1100 21 26 turn turn NOUN issue-1100 21 27 , , PUNCT issue-1100 21 28 necessitates necessitate VERB issue-1100 21 29 the the DET issue-1100 21 30 planning planning NOUN issue-1100 21 31 and and CCONJ issue-1100 21 32 monitoring monitoring NOUN issue-1100 21 33 of of ADP issue-1100 21 34 key key ADJ issue-1100 21 35 digitalization digitalization NOUN issue-1100 21 36 indicators indicator NOUN issue-1100 21 37 and and CCONJ issue-1100 21 38 measuring measure VERB issue-1100 21 39 the the DET issue-1100 21 40 banking banking NOUN issue-1100 21 41 business business NOUN issue-1100 21 42 transformation transformation NOUN issue-1100 21 43 progress progress NOUN issue-1100 21 44 to to PART issue-1100 21 45 adjust adjust VERB issue-1100 21 46 to to ADP issue-1100 21 47 the the DET issue-1100 21 48 changing change VERB issue-1100 21 49 market market NOUN issue-1100 21 50 . . PUNCT issue-1100 22 1 moneythor moneythor NOUN issue-1100 22 2 ’s ’s PART issue-1100 22 3 assessment assessment NOUN issue-1100 22 4 ( ( PUNCT issue-1100 22 5 2018 2018 NUM issue-1100 22 6 ) ) PUNCT issue-1100 22 7 of of ADP issue-1100 22 8 54 54 NUM issue-1100 22 9 banks bank NOUN issue-1100 22 10 in in ADP issue-1100 22 11 13 13 NUM issue-1100 22 12 countries country NOUN issue-1100 22 13 suggests suggest VERB issue-1100 22 14 that that SCONJ issue-1100 22 15 only only ADV issue-1100 22 16 46 46 NUM issue-1100 22 17 % % NOUN issue-1100 22 18 of of ADP issue-1100 22 19 banks bank NOUN issue-1100 22 20 clearly clearly ADV issue-1100 22 21 outline outline VERB issue-1100 22 22 the the DET issue-1100 22 23 results result NOUN issue-1100 22 24 of of ADP issue-1100 22 25 applying apply VERB issue-1100 22 26 their their PRON issue-1100 22 27 digital digital ADJ issue-1100 22 28 transformation transformation NOUN issue-1100 22 29 strategy strategy NOUN issue-1100 22 30 and and CCONJ issue-1100 22 31 devote devote VERB issue-1100 22 32 a a DET issue-1100 22 33 part part NOUN issue-1100 22 34 of of ADP issue-1100 22 35 their their PRON issue-1100 22 36 reports report NOUN issue-1100 22 37 to to ADP issue-1100 22 38 the the DET issue-1100 22 39 deliverables deliverable NOUN issue-1100 22 40 of of ADP issue-1100 22 41 their their PRON issue-1100 22 42 digital digital ADJ issue-1100 22 43 metrics metric NOUN issue-1100 22 44 and and CCONJ issue-1100 22 45 determining determine VERB issue-1100 22 46 the the DET issue-1100 22 47 dynamics dynamic NOUN issue-1100 22 48 of of ADP issue-1100 22 49 these these DET issue-1100 22 50 indicators indicator NOUN issue-1100 22 51 . . PUNCT issue-1100 23 1 the the DET issue-1100 23 2 remaining remain VERB issue-1100 23 3 54 54 NUM issue-1100 23 4 % % NOUN issue-1100 23 5 of of ADP issue-1100 23 6 banks bank NOUN issue-1100 23 7 present present VERB issue-1100 23 8 the the DET issue-1100 23 9 digitalization digitalization NOUN issue-1100 23 10 baltic baltic ADJ issue-1100 23 11 journal journal NOUN issue-1100 23 12 of of ADP issue-1100 23 13 economic economic ADJ issue-1100 23 14 studies study NOUN issue-1100 23 15 78 78 NUM issue-1100 23 16 vol vol NOUN issue-1100 23 17 . . PROPN issue-1100 24 1 7 7 NUM issue-1100 25 1 no no NOUN issue-1100 25 2 . . NOUN issue-1100 25 3 2 2 NUM issue-1100 25 4 , , PUNCT issue-1100 25 5 2021 2021 NUM issue-1100 25 6 indicators indicator NOUN issue-1100 25 7 in in ADP issue-1100 25 8 different different ADJ issue-1100 25 9 sections section NOUN issue-1100 25 10 of of ADP issue-1100 25 11 their their PRON issue-1100 25 12 reports report NOUN issue-1100 25 13 , , PUNCT issue-1100 25 14 and and CCONJ issue-1100 25 15 metrics metric NOUN issue-1100 25 16 are be AUX issue-1100 25 17 often often ADV issue-1100 25 18 expressed express VERB issue-1100 25 19 in in ADP issue-1100 25 20 approximate approximate ADJ issue-1100 25 21 figures figure NOUN issue-1100 25 22 not not PART issue-1100 25 23 compared compare VERB issue-1100 25 24 to to ADP issue-1100 25 25 the the DET issue-1100 25 26 previous previous ADJ issue-1100 25 27 years year NOUN issue-1100 25 28 ’ ' PUNCT issue-1100 25 29 results result NOUN issue-1100 25 30 . . PUNCT issue-1100 26 1 therefore therefore ADV issue-1100 26 2 , , PUNCT issue-1100 26 3 the the DET issue-1100 26 4 growth growth NOUN issue-1100 26 5 trends trend NOUN issue-1100 26 6 in in ADP issue-1100 26 7 digital digital ADJ issue-1100 26 8 banking banking NOUN issue-1100 26 9 transformation transformation NOUN issue-1100 26 10 worldwide worldwide ADV issue-1100 26 11 shape shape VERB issue-1100 26 12 the the DET issue-1100 26 13 urgent urgent ADJ issue-1100 26 14 need need NOUN issue-1100 26 15 to to PART issue-1100 26 16 establish establish VERB issue-1100 26 17 a a DET issue-1100 26 18 basic basic ADJ issue-1100 26 19 set set NOUN issue-1100 26 20 of of ADP issue-1100 26 21 indicators indicator NOUN issue-1100 26 22 that that PRON issue-1100 26 23 reflect reflect VERB issue-1100 26 24 the the DET issue-1100 26 25 level level NOUN issue-1100 26 26 of of ADP issue-1100 26 27 adoption adoption NOUN issue-1100 26 28 and and CCONJ issue-1100 26 29 use use NOUN issue-1100 26 30 of of ADP issue-1100 26 31 digital digital ADJ issue-1100 26 32 technologies technology NOUN issue-1100 26 33 while while SCONJ issue-1100 26 34 creating create VERB issue-1100 26 35 , , PUNCT issue-1100 26 36 distributing distribute VERB issue-1100 26 37 , , PUNCT issue-1100 26 38 and and CCONJ issue-1100 26 39 regulating regulate VERB issue-1100 26 40 banking banking NOUN issue-1100 26 41 services service NOUN issue-1100 26 42 . . PUNCT issue-1100 27 1 2 2 X issue-1100 27 2 . . X issue-1100 27 3 literature literature NOUN issue-1100 27 4 review review NOUN issue-1100 27 5 assessing assess VERB issue-1100 27 6 the the DET issue-1100 27 7 digital digital ADJ issue-1100 27 8 transformation transformation NOUN issue-1100 27 9 level level NOUN issue-1100 27 10 currently currently ADV issue-1100 27 11 forms form VERB issue-1100 27 12 one one NUM issue-1100 27 13 of of ADP issue-1100 27 14 the the DET issue-1100 27 15 main main ADJ issue-1100 27 16 tasks task NOUN issue-1100 27 17 in in ADP issue-1100 27 18 engineering engineer VERB issue-1100 27 19 a a DET issue-1100 27 20 strategic strategic ADJ issue-1100 27 21 vision vision NOUN issue-1100 27 22 for for ADP issue-1100 27 23 the the DET issue-1100 27 24 development development NOUN issue-1100 27 25 of of ADP issue-1100 27 26 banks bank NOUN issue-1100 27 27 . . PUNCT issue-1100 28 1 international international ADJ issue-1100 28 2 analytical analytical ADJ issue-1100 28 3 organizations organization NOUN issue-1100 28 4 , , PUNCT issue-1100 28 5 consulting consulting NOUN issue-1100 28 6 agencies agency NOUN issue-1100 28 7 , , PUNCT issue-1100 28 8 and and CCONJ issue-1100 28 9 scientists scientist NOUN issue-1100 28 10 dedicate dedicate VERB issue-1100 28 11 their their PRON issue-1100 28 12 works work NOUN issue-1100 28 13 to to ADP issue-1100 28 14 finding find VERB issue-1100 28 15 an an DET issue-1100 28 16 approach approach NOUN issue-1100 28 17 to to ADP issue-1100 28 18 such such ADJ issue-1100 28 19 assessment assessment NOUN issue-1100 28 20 . . PUNCT issue-1100 29 1 however however ADV issue-1100 29 2 , , PUNCT issue-1100 29 3 the the DET issue-1100 29 4 methods method NOUN issue-1100 29 5 and and CCONJ issue-1100 29 6 models model NOUN issue-1100 29 7 , , PUNCT issue-1100 29 8 fragmentary fragmentary ADJ issue-1100 29 9 indicators indicator NOUN issue-1100 29 10 used use VERB issue-1100 29 11 to to PART issue-1100 29 12 assess assess VERB issue-1100 29 13 the the DET issue-1100 29 14 digitalization digitalization NOUN issue-1100 29 15 of of ADP issue-1100 29 16 banking banking NOUN issue-1100 29 17 institutions institution NOUN issue-1100 29 18 are be AUX issue-1100 29 19 limited limited ADJ issue-1100 29 20 . . PUNCT issue-1100 30 1 the the DET issue-1100 30 2 alliance alliance NOUN issue-1100 30 3 for for ADP issue-1100 30 4 financial financial ADJ issue-1100 30 5 inclusion inclusion NOUN issue-1100 30 6 , , PUNCT issue-1100 30 7 a a DET issue-1100 30 8 leading lead VERB issue-1100 30 9 international international ADJ issue-1100 30 10 organization organization NOUN issue-1100 30 11 for for ADP issue-1100 30 12 financial financial ADJ issue-1100 30 13 inclusion inclusion NOUN issue-1100 30 14 policy policy NOUN issue-1100 30 15 and and CCONJ issue-1100 30 16 regulation regulation NOUN issue-1100 30 17 , , PUNCT issue-1100 30 18 aims aim VERB issue-1100 30 19 to to PART issue-1100 30 20 expand expand VERB issue-1100 30 21 access access NOUN issue-1100 30 22 to to ADP issue-1100 30 23 high high ADJ issue-1100 30 24 - - PUNCT issue-1100 30 25 quality quality NOUN issue-1100 30 26 financial financial ADJ issue-1100 30 27 services service NOUN issue-1100 30 28 around around ADP issue-1100 30 29 the the DET issue-1100 30 30 world world NOUN issue-1100 30 31 . . PUNCT issue-1100 31 1 the the DET issue-1100 31 2 alliance alliance NOUN issue-1100 31 3 ’s ’s PART issue-1100 31 4 digital digital ADJ issue-1100 31 5 financial financial ADJ issue-1100 31 6 services service NOUN issue-1100 31 7 working working NOUN issue-1100 31 8 group group NOUN issue-1100 31 9 has have AUX issue-1100 31 10 developed develop VERB issue-1100 31 11 a a DET issue-1100 31 12 basic basic ADJ issue-1100 31 13 set set NOUN issue-1100 31 14 of of ADP issue-1100 31 15 financial financial ADJ issue-1100 31 16 inclusion inclusion NOUN issue-1100 31 17 indicators indicator NOUN issue-1100 31 18 to to PART issue-1100 31 19 standardize standardize VERB issue-1100 31 20 key key ADJ issue-1100 31 21 indicators indicator NOUN issue-1100 31 22 and and CCONJ issue-1100 31 23 maximize maximize VERB issue-1100 31 24 their their PRON issue-1100 31 25 suitability suitability NOUN issue-1100 31 26 and and CCONJ issue-1100 31 27 practicality practicality NOUN issue-1100 31 28 for for ADP issue-1100 31 29 the the DET issue-1100 31 30 afi afi PROPN issue-1100 31 31 members member NOUN issue-1100 31 32 ( ( PUNCT issue-1100 31 33 alliance alliance NOUN issue-1100 31 34 for for ADP issue-1100 31 35 financial financial ADJ issue-1100 31 36 inclusion inclusion NOUN issue-1100 31 37 , , PUNCT issue-1100 31 38 2019 2019 NUM issue-1100 31 39 ) ) PUNCT issue-1100 31 40 . . PUNCT issue-1100 32 1 the the DET issue-1100 32 2 selection selection NOUN issue-1100 32 3 criteria criterion NOUN issue-1100 32 4 are be AUX issue-1100 32 5 as as SCONJ issue-1100 32 6 follows follow VERB issue-1100 32 7 : : PUNCT issue-1100 32 8 usefulness usefulness NOUN issue-1100 32 9 and and CCONJ issue-1100 32 10 relevance relevance NOUN issue-1100 32 11 , , PUNCT issue-1100 32 12 conciseness conciseness NOUN issue-1100 32 13 , , PUNCT issue-1100 32 14 specificity specificity NOUN issue-1100 32 15 , , PUNCT issue-1100 32 16 and and CCONJ issue-1100 32 17 simplicity simplicity NOUN issue-1100 32 18 of of ADP issue-1100 32 19 data datum NOUN issue-1100 32 20 collection collection NOUN issue-1100 32 21 . . PUNCT issue-1100 33 1 the the DET issue-1100 33 2 whole whole ADJ issue-1100 33 3 indicator indicator NOUN issue-1100 33 4 set set NOUN issue-1100 33 5 is be AUX issue-1100 33 6 measured measure VERB issue-1100 33 7 taking take VERB issue-1100 33 8 into into ADP issue-1100 33 9 account account NOUN issue-1100 33 10 : : PUNCT issue-1100 33 11 – – PUNCT issue-1100 33 12 access access NOUN issue-1100 33 13 ( ( PUNCT issue-1100 33 14 percentage percentage NOUN issue-1100 33 15 of of ADP issue-1100 33 16 administrative administrative ADJ issue-1100 33 17 units unit NOUN issue-1100 33 18 with with ADP issue-1100 33 19 digital digital ADJ issue-1100 33 20 banks bank NOUN issue-1100 33 21 , , PUNCT issue-1100 33 22 number number NOUN issue-1100 33 23 of of ADP issue-1100 33 24 digital digital ADJ issue-1100 33 25 financial financial ADJ issue-1100 33 26 services service NOUN issue-1100 33 27 agents agent NOUN issue-1100 33 28 per per ADP issue-1100 33 29 10,000 10,000 NUM issue-1100 33 30 adults adult NOUN issue-1100 33 31 ; ; PUNCT issue-1100 33 32 number number NOUN issue-1100 33 33 of of ADP issue-1100 33 34 active active ADJ issue-1100 33 35 digital digital ADJ issue-1100 33 36 financial financial ADJ issue-1100 33 37 services service NOUN issue-1100 33 38 agents agent NOUN issue-1100 33 39 per per ADP issue-1100 33 40 10,000 10,000 NUM issue-1100 33 41 adults adult NOUN issue-1100 33 42 ; ; PUNCT issue-1100 33 43 number number NOUN issue-1100 33 44 of of ADP issue-1100 33 45 payment payment NOUN issue-1100 33 46 points point NOUN issue-1100 33 47 per per ADP issue-1100 33 48 10,000 10,000 NUM issue-1100 33 49 adults adult NOUN issue-1100 33 50 ; ; PUNCT issue-1100 33 51 percentage percentage NOUN issue-1100 33 52 of of ADP issue-1100 33 53 adult adult NOUN issue-1100 33 54 population population NOUN issue-1100 33 55 with with ADP issue-1100 33 56 registered register VERB issue-1100 33 57 digital digital ADJ issue-1100 33 58 financial financial ADJ issue-1100 33 59 services service NOUN issue-1100 33 60 accounts account NOUN issue-1100 33 61 ; ; PUNCT issue-1100 33 62 – – PUNCT issue-1100 33 63 use use NOUN issue-1100 33 64 ( ( PUNCT issue-1100 33 65 percentage percentage NOUN issue-1100 33 66 of of ADP issue-1100 33 67 active active ADJ issue-1100 33 68 digital digital ADJ issue-1100 33 69 financial financial ADJ issue-1100 33 70 services service NOUN issue-1100 33 71 accounts account NOUN issue-1100 33 72 ; ; PUNCT issue-1100 33 73 digital digital ADJ issue-1100 33 74 financial financial ADJ issue-1100 33 75 services service NOUN issue-1100 33 76 transactions transaction NOUN issue-1100 33 77 ( ( PUNCT issue-1100 33 78 by by ADP issue-1100 33 79 volume volume NOUN issue-1100 33 80 ) ) PUNCT issue-1100 33 81 per per ADP issue-1100 33 82 registered register VERB issue-1100 33 83 account account NOUN issue-1100 33 84 ; ; PUNCT issue-1100 33 85 value value NOUN issue-1100 33 86 of of ADP issue-1100 33 87 digital digital ADJ issue-1100 33 88 financial financial ADJ issue-1100 33 89 services service NOUN issue-1100 33 90 transactions transaction NOUN issue-1100 33 91 , , PUNCT issue-1100 33 92 including include VERB issue-1100 33 93 cash cash NOUN issue-1100 33 94 in in ADP issue-1100 33 95 / / SYM issue-1100 33 96 cash cash NOUN issue-1100 33 97 out out ADP issue-1100 33 98 , , PUNCT issue-1100 33 99 bill bill NOUN issue-1100 33 100 payments payment NOUN issue-1100 33 101 , , PUNCT issue-1100 33 102 bank bank NOUN issue-1100 33 103 payments payment NOUN issue-1100 33 104 , , PUNCT issue-1100 33 105 p2p p2p NOUN issue-1100 33 106 transfers transfer NOUN issue-1100 33 107 , , PUNCT issue-1100 33 108 disbursement disbursement NOUN issue-1100 33 109 and and CCONJ issue-1100 33 110 repayment repayment NOUN issue-1100 33 111 of of ADP issue-1100 33 112 loans loan NOUN issue-1100 33 113 ( ( PUNCT issue-1100 33 114 microfinance microfinance NOUN issue-1100 33 115 loans loan NOUN issue-1100 33 116 ) ) PUNCT issue-1100 33 117 , , PUNCT issue-1100 33 118 g2p g2p NOUN issue-1100 33 119 payments payment NOUN issue-1100 33 120 , , PUNCT issue-1100 33 121 salary salary NOUN issue-1100 33 122 payments payment NOUN issue-1100 33 123 , , PUNCT issue-1100 33 124 value value NOUN issue-1100 33 125 chain chain NOUN issue-1100 33 126 payments payment NOUN issue-1100 33 127 , , PUNCT issue-1100 33 128 e e NOUN issue-1100 33 129 - - NOUN issue-1100 33 130 commerce commerce NOUN issue-1100 33 131 payments payment NOUN issue-1100 33 132 , , PUNCT issue-1100 33 133 etc etc X issue-1100 33 134 . . X issue-1100 33 135 ) ) PUNCT issue-1100 33 136 ; ; PUNCT issue-1100 33 137 – – PUNCT issue-1100 33 138 quality quality NOUN issue-1100 33 139 ( ( PUNCT issue-1100 33 140 disclosure disclosure NOUN issue-1100 33 141 requirement requirement NOUN issue-1100 33 142 , , PUNCT issue-1100 33 143 number number NOUN issue-1100 33 144 of of ADP issue-1100 33 145 complaints complaint NOUN issue-1100 33 146 per per ADP issue-1100 33 147 10,000 10,000 NUM issue-1100 33 148 active active ADJ issue-1100 33 149 digital digital ADJ issue-1100 33 150 financial financial ADJ issue-1100 33 151 services service NOUN issue-1100 33 152 accounts account NOUN issue-1100 33 153 , , PUNCT issue-1100 33 154 percentage percentage NOUN issue-1100 33 155 of of ADP issue-1100 33 156 complaints complaint NOUN issue-1100 33 157 resolved resolve VERB issue-1100 33 158 , , PUNCT issue-1100 33 159 transaction transaction NOUN issue-1100 33 160 failure failure NOUN issue-1100 33 161 , , PUNCT issue-1100 33 162 dispute dispute NOUN issue-1100 33 163 resolution resolution NOUN issue-1100 33 164 , , PUNCT issue-1100 33 165 financial financial ADJ issue-1100 33 166 literacy literacy NOUN issue-1100 33 167 ) ) PUNCT issue-1100 33 168 ( ( PUNCT issue-1100 33 169 alliance alliance NOUN issue-1100 33 170 for for ADP issue-1100 33 171 financial financial ADJ issue-1100 33 172 inclusion inclusion NOUN issue-1100 33 173 , , PUNCT issue-1100 33 174 2019 2019 NUM issue-1100 33 175 ) ) PUNCT issue-1100 33 176 . . PUNCT issue-1100 34 1 this this DET issue-1100 34 2 approach approach NOUN issue-1100 34 3 is be AUX issue-1100 34 4 appropriate appropriate ADJ issue-1100 34 5 for for ADP issue-1100 34 6 assessing assess VERB issue-1100 34 7 the the DET issue-1100 34 8 digital digital ADJ issue-1100 34 9 transformation transformation NOUN issue-1100 34 10 of of ADP issue-1100 34 11 the the DET issue-1100 34 12 banking banking NOUN issue-1100 34 13 sector sector NOUN issue-1100 34 14 as as ADP issue-1100 34 15 a a DET issue-1100 34 16 whole whole ADJ issue-1100 34 17 and and CCONJ issue-1100 34 18 quite quite ADV issue-1100 34 19 fragmentarily fragmentarily ADV issue-1100 34 20 characterizes characterize VERB issue-1100 34 21 a a DET issue-1100 34 22 particular particular ADJ issue-1100 34 23 banking banking NOUN issue-1100 34 24 institution institution NOUN issue-1100 34 25 in in ADP issue-1100 34 26 its its PRON issue-1100 34 27 digitalization digitalization NOUN issue-1100 34 28 . . PUNCT issue-1100 35 1 moneythor moneythor NOUN issue-1100 35 2 ( ( PUNCT issue-1100 35 3 2018 2018 NUM issue-1100 35 4 ) ) PUNCT issue-1100 35 5 indicates indicate VERB issue-1100 35 6 the the DET issue-1100 35 7 most most ADV issue-1100 35 8 common common ADJ issue-1100 35 9 digital digital ADJ issue-1100 35 10 transformation transformation NOUN issue-1100 35 11 indicators indicator NOUN issue-1100 35 12 that that PRON issue-1100 35 13 are be AUX issue-1100 35 14 analysed analyse VERB issue-1100 35 15 and and CCONJ issue-1100 35 16 published publish VERB issue-1100 35 17 by by ADP issue-1100 35 18 banks bank NOUN issue-1100 35 19 . . PUNCT issue-1100 36 1 they they PRON issue-1100 36 2 include include VERB issue-1100 36 3 : : PUNCT issue-1100 36 4 – – PUNCT issue-1100 36 5 a a DET issue-1100 36 6 percentage percentage NOUN issue-1100 36 7 of of ADP issue-1100 36 8 the the DET issue-1100 36 9 customer customer NOUN issue-1100 36 10 base base NOUN issue-1100 36 11 of of ADP issue-1100 36 12 digital digital ADJ issue-1100 36 13 financial financial ADJ issue-1100 36 14 services service NOUN issue-1100 36 15 ( ( PUNCT issue-1100 36 16 67 67 NUM issue-1100 36 17 % % NOUN issue-1100 36 18 of of ADP issue-1100 36 19 banks bank NOUN issue-1100 36 20 ) ) PUNCT issue-1100 36 21 ; ; PUNCT issue-1100 36 22 – – PUNCT issue-1100 36 23 an an DET issue-1100 36 24 increase increase NOUN issue-1100 36 25 percentage percentage NOUN issue-1100 36 26 in in ADP issue-1100 36 27 the the DET issue-1100 36 28 customer customer NOUN issue-1100 36 29 base base NOUN issue-1100 36 30 of of ADP issue-1100 36 31 digital digital ADJ issue-1100 36 32 financial financial ADJ issue-1100 36 33 services service NOUN issue-1100 36 34 ( ( PUNCT issue-1100 36 35 63 63 NUM issue-1100 36 36 % % NOUN issue-1100 36 37 of of ADP issue-1100 36 38 banks bank NOUN issue-1100 36 39 ) ) PUNCT issue-1100 36 40 ; ; PUNCT issue-1100 36 41 – – PUNCT issue-1100 36 42 a a DET issue-1100 36 43 volume volume NOUN issue-1100 36 44 of of ADP issue-1100 36 45 digital digital ADJ issue-1100 36 46 financial financial ADJ issue-1100 36 47 services service NOUN issue-1100 36 48 transactions transaction NOUN issue-1100 36 49 ( ( PUNCT issue-1100 36 50 48 48 NUM issue-1100 36 51 % % NOUN issue-1100 36 52 of of ADP issue-1100 36 53 banks bank NOUN issue-1100 36 54 ) ) PUNCT issue-1100 36 55 ; ; PUNCT issue-1100 36 56 – – PUNCT issue-1100 36 57 an an DET issue-1100 36 58 increase increase NOUN issue-1100 36 59 percentage percentage NOUN issue-1100 36 60 in in ADP issue-1100 36 61 the the DET issue-1100 36 62 volume volume NOUN issue-1100 36 63 of of ADP issue-1100 36 64 digital digital ADJ issue-1100 36 65 financial financial ADJ issue-1100 36 66 services service NOUN issue-1100 36 67 transactions transaction NOUN issue-1100 36 68 ( ( PUNCT issue-1100 36 69 48 48 NUM issue-1100 36 70 % % NOUN issue-1100 36 71 of of ADP issue-1100 36 72 banks bank NOUN issue-1100 36 73 ) ) PUNCT issue-1100 36 74 . . PUNCT issue-1100 37 1 both both DET issue-1100 37 2 static static ADJ issue-1100 37 3 and and CCONJ issue-1100 37 4 dynamic dynamic ADJ issue-1100 37 5 indicators indicator NOUN issue-1100 37 6 should should AUX issue-1100 37 7 be be AUX issue-1100 37 8 noted note VERB issue-1100 37 9 , , PUNCT issue-1100 37 10 i.e. i.e. X issue-1100 37 11 banking banking NOUN issue-1100 37 12 institutions institution NOUN issue-1100 37 13 analyse analyse VERB issue-1100 37 14 the the DET issue-1100 37 15 transformation transformation NOUN issue-1100 37 16 of of ADP issue-1100 37 17 digital digital ADJ issue-1100 37 18 banking banking NOUN issue-1100 37 19 , , PUNCT issue-1100 37 20 which which PRON issue-1100 37 21 forms form VERB issue-1100 37 22 the the DET issue-1100 37 23 main main ADJ issue-1100 37 24 goal goal NOUN issue-1100 37 25 of of ADP issue-1100 37 26 banking banking NOUN issue-1100 37 27 . . PUNCT issue-1100 38 1 at at ADP issue-1100 38 2 this this DET issue-1100 38 3 point point NOUN issue-1100 38 4 , , PUNCT issue-1100 38 5 it it PRON issue-1100 38 6 seems seem VERB issue-1100 38 7 necessary necessary ADJ issue-1100 38 8 to to PART issue-1100 38 9 emphasize emphasize VERB issue-1100 38 10 the the DET issue-1100 38 11 reasonable reasonable ADJ issue-1100 38 12 conclusions conclusion NOUN issue-1100 38 13 made make VERB issue-1100 38 14 by by ADP issue-1100 38 15 moneythor moneythor NOUN issue-1100 38 16 : : PUNCT issue-1100 38 17 – – PUNCT issue-1100 38 18 digital digital ADJ issue-1100 38 19 transformation transformation NOUN issue-1100 38 20 indicators indicator NOUN issue-1100 38 21 are be AUX issue-1100 38 22 relatively relatively ADV issue-1100 38 23 hidden hide VERB issue-1100 38 24 in in ADP issue-1100 38 25 published publish VERB issue-1100 38 26 bank bank NOUN issue-1100 38 27 reports report NOUN issue-1100 38 28 ; ; PUNCT issue-1100 38 29 – – PUNCT issue-1100 38 30 the the DET issue-1100 38 31 most most ADV issue-1100 38 32 common common ADJ issue-1100 38 33 indicators indicator NOUN issue-1100 38 34 include include VERB issue-1100 38 35 the the DET issue-1100 38 36 number number NOUN issue-1100 38 37 of of ADP issue-1100 38 38 active active ADJ issue-1100 38 39 users user NOUN issue-1100 38 40 and and CCONJ issue-1100 38 41 the the DET issue-1100 38 42 volume volume NOUN issue-1100 38 43 of of ADP issue-1100 38 44 digital digital ADJ issue-1100 38 45 transactions transaction NOUN issue-1100 38 46 ; ; PUNCT issue-1100 38 47 – – PUNCT issue-1100 38 48 most most ADJ issue-1100 38 49 banks bank NOUN issue-1100 38 50 do do AUX issue-1100 38 51 not not PART issue-1100 38 52 publish publish VERB issue-1100 38 53 the the DET issue-1100 38 54 results result NOUN issue-1100 38 55 of of ADP issue-1100 38 56 digital digital ADJ issue-1100 38 57 transformation transformation NOUN issue-1100 38 58 indicators indicator NOUN issue-1100 38 59 ; ; PUNCT issue-1100 38 60 – – PUNCT issue-1100 38 61 digital digital ADJ issue-1100 38 62 transformation transformation NOUN issue-1100 38 63 indicators indicator NOUN issue-1100 38 64 are be AUX issue-1100 38 65 measured measure VERB issue-1100 38 66 at at ADP issue-1100 38 67 a a DET issue-1100 38 68 simplified simplified ADJ issue-1100 38 69 level level NOUN issue-1100 38 70 ( ( PUNCT issue-1100 38 71 moneythor moneythor NOUN issue-1100 38 72 , , PUNCT issue-1100 38 73 2018 2018 NUM issue-1100 38 74 ) ) PUNCT issue-1100 38 75 . . PUNCT issue-1100 39 1 scholars scholar NOUN issue-1100 39 2 also also ADV issue-1100 39 3 put put VERB issue-1100 39 4 attention attention NOUN issue-1100 39 5 on on ADP issue-1100 39 6 assessing assess VERB issue-1100 39 7 the the DET issue-1100 39 8 digital digital ADJ issue-1100 39 9 transformation transformation NOUN issue-1100 39 10 of of ADP issue-1100 39 11 banking banking NOUN issue-1100 39 12 institutions institution NOUN issue-1100 39 13 . . PUNCT issue-1100 40 1 the the DET issue-1100 40 2 indicators indicator NOUN issue-1100 40 3 used use VERB issue-1100 40 4 by by ADP issue-1100 40 5 mbama mbama PROPN issue-1100 40 6 ( ( PUNCT issue-1100 40 7 2018 2018 NUM issue-1100 40 8 ) ) PUNCT issue-1100 40 9 include include VERB issue-1100 40 10 quality quality NOUN issue-1100 40 11 of of ADP issue-1100 40 12 digital digital ADJ issue-1100 40 13 services service NOUN issue-1100 40 14 , , PUNCT issue-1100 40 15 involvement involvement NOUN issue-1100 40 16 of of ADP issue-1100 40 17 employees employee NOUN issue-1100 40 18 and and CCONJ issue-1100 40 19 consumers consumer NOUN issue-1100 40 20 in in ADP issue-1100 40 21 digital digital ADJ issue-1100 40 22 transformation transformation NOUN issue-1100 40 23 , , PUNCT issue-1100 40 24 susceptibility susceptibility NOUN issue-1100 40 25 of of ADP issue-1100 40 26 digital digital ADJ issue-1100 40 27 services service NOUN issue-1100 40 28 and and CCONJ issue-1100 40 29 their their PRON issue-1100 40 30 risk risk NOUN issue-1100 40 31 . . PUNCT issue-1100 41 1 qun qun PROPN issue-1100 41 2 et et PROPN issue-1100 41 3 al al PROPN issue-1100 41 4 . . PROPN issue-1100 42 1 ( ( PUNCT issue-1100 42 2 2019 2019 NUM issue-1100 42 3 ) ) PUNCT issue-1100 42 4 analyse analyse NOUN issue-1100 42 5 organizational organizational ADJ issue-1100 42 6 innovations innovation NOUN issue-1100 42 7 , , PUNCT issue-1100 42 8 technological technological ADJ issue-1100 42 9 innovations innovation NOUN issue-1100 42 10 , , PUNCT issue-1100 42 11 new new ADJ issue-1100 42 12 interactions interaction NOUN issue-1100 42 13 with with ADP issue-1100 42 14 customers customer NOUN issue-1100 42 15 , , PUNCT issue-1100 42 16 and and CCONJ issue-1100 42 17 new new ADJ issue-1100 42 18 revenue revenue NOUN issue-1100 42 19 models model NOUN issue-1100 42 20 in in ADP issue-1100 42 21 digital digital ADJ issue-1100 42 22 banking banking NOUN issue-1100 42 23 . . PUNCT issue-1100 43 1 internet internet NOUN issue-1100 43 2 banking banking NOUN issue-1100 43 3 is be AUX issue-1100 43 4 studied study VERB issue-1100 43 5 by by ADP issue-1100 43 6 amin amin PROPN issue-1100 43 7 ( ( PUNCT issue-1100 43 8 2016 2016 NUM issue-1100 43 9 ) ) PUNCT issue-1100 43 10 , , PUNCT issue-1100 43 11 raza raza PROPN issue-1100 43 12 et et PROPN issue-1100 43 13 al al PROPN issue-1100 43 14 . . PROPN issue-1100 44 1 ( ( PUNCT issue-1100 44 2 2015 2015 NUM issue-1100 44 3 ) ) PUNCT issue-1100 44 4 , , PUNCT issue-1100 44 5 and and CCONJ issue-1100 44 6 martins martin VERB issue-1100 44 7 et et NOUN issue-1100 44 8 al al PROPN issue-1100 44 9 . . PUNCT issue-1100 45 1 ( ( PUNCT issue-1100 45 2 2014 2014 NUM issue-1100 45 3 ) ) PUNCT issue-1100 45 4 . . PUNCT issue-1100 46 1 for for ADP issue-1100 46 2 these these DET issue-1100 46 3 purposes purpose NOUN issue-1100 46 4 , , PUNCT issue-1100 46 5 the the DET issue-1100 46 6 authors author NOUN issue-1100 46 7 use use VERB issue-1100 46 8 the the DET issue-1100 46 9 indicators indicator NOUN issue-1100 46 10 of of ADP issue-1100 46 11 service service NOUN issue-1100 46 12 quality quality NOUN issue-1100 46 13 and and CCONJ issue-1100 46 14 bank bank NOUN issue-1100 46 15 customers customer NOUN issue-1100 46 16 ’ ' PUNCT issue-1100 46 17 satisfaction satisfaction NOUN issue-1100 46 18 with with ADP issue-1100 46 19 these these DET issue-1100 46 20 services service NOUN issue-1100 46 21 according accord VERB issue-1100 46 22 to to ADP issue-1100 46 23 the the DET issue-1100 46 24 following follow VERB issue-1100 46 25 parameters parameter NOUN issue-1100 46 26 : : PUNCT issue-1100 46 27 security security NOUN issue-1100 46 28 of of ADP issue-1100 46 29 digital digital ADJ issue-1100 46 30 transactions transaction NOUN issue-1100 46 31 , , PUNCT issue-1100 46 32 informativeness informativeness NOUN issue-1100 46 33 of of ADP issue-1100 46 34 the the DET issue-1100 46 35 bank bank NOUN issue-1100 46 36 ’s ’s PART issue-1100 46 37 website website NOUN issue-1100 46 38 , , PUNCT issue-1100 46 39 its its PRON issue-1100 46 40 convenience convenience NOUN issue-1100 46 41 and and CCONJ issue-1100 46 42 ease ease NOUN issue-1100 46 43 of of ADP issue-1100 46 44 use use NOUN issue-1100 46 45 , , PUNCT issue-1100 46 46 and and CCONJ issue-1100 46 47 listed list VERB issue-1100 46 48 online online ADJ issue-1100 46 49 services service NOUN issue-1100 46 50 . . PUNCT issue-1100 47 1 to to PART issue-1100 47 2 determine determine VERB issue-1100 47 3 digital digital ADJ issue-1100 47 4 transformation transformation NOUN issue-1100 47 5 , , PUNCT issue-1100 47 6 the the DET issue-1100 47 7 scientists scientist NOUN issue-1100 47 8 apply apply VERB issue-1100 47 9 a a DET issue-1100 47 10 method method NOUN issue-1100 47 11 of of ADP issue-1100 47 12 expert expert ADJ issue-1100 47 13 assessments assessment NOUN issue-1100 47 14 of of ADP issue-1100 47 15 respondents respondent NOUN issue-1100 47 16 . . PUNCT issue-1100 48 1 ali ali PROPN issue-1100 48 2 and and CCONJ issue-1100 48 3 ali ali PROPN issue-1100 48 4 ( ( PUNCT issue-1100 48 5 2014 2014 NUM issue-1100 48 6 ) ) PUNCT issue-1100 48 7 consider consider VERB issue-1100 48 8 mobile mobile ADJ issue-1100 48 9 banking banking NOUN issue-1100 48 10 as as ADP issue-1100 48 11 an an DET issue-1100 48 12 aspect aspect NOUN issue-1100 48 13 of of ADP issue-1100 48 14 the the DET issue-1100 48 15 digital digital ADJ issue-1100 48 16 transformation transformation NOUN issue-1100 48 17 of of ADP issue-1100 48 18 banking banking NOUN issue-1100 48 19 . . PUNCT issue-1100 49 1 while while SCONJ issue-1100 49 2 analysing analyse VERB issue-1100 49 3 mobile mobile ADJ issue-1100 49 4 banking banking NOUN issue-1100 49 5 , , PUNCT issue-1100 49 6 the the DET issue-1100 49 7 authors author NOUN issue-1100 49 8 use use VERB issue-1100 49 9 the the DET issue-1100 49 10 following follow VERB issue-1100 49 11 indicators indicator NOUN issue-1100 49 12 : : PUNCT issue-1100 50 1 services service NOUN issue-1100 50 2 offered offer VERB issue-1100 50 3 by by ADP issue-1100 50 4 mobile mobile ADJ issue-1100 50 5 banking banking NOUN issue-1100 50 6 to to PART issue-1100 50 7 meet meet VERB issue-1100 50 8 customer customer NOUN issue-1100 50 9 needs need NOUN issue-1100 50 10 ; ; PUNCT issue-1100 50 11 quickness quickness NOUN issue-1100 50 12 ; ; PUNCT issue-1100 50 13 mobile mobile ADJ issue-1100 50 14 access access NOUN issue-1100 50 15 ; ; PUNCT issue-1100 50 16 advertising advertising NOUN issue-1100 50 17 and and CCONJ issue-1100 50 18 functionality functionality NOUN issue-1100 50 19 ; ; PUNCT issue-1100 50 20 quality quality NOUN issue-1100 50 21 of of ADP issue-1100 50 22 service service NOUN issue-1100 50 23 in in ADP issue-1100 50 24 terms term NOUN issue-1100 50 25 of of ADP issue-1100 50 26 awareness awareness NOUN issue-1100 50 27 , , PUNCT issue-1100 50 28 reliability reliability NOUN issue-1100 50 29 , , PUNCT issue-1100 50 30 accessibility accessibility NOUN issue-1100 50 31 , , PUNCT issue-1100 50 32 accuracy accuracy NOUN issue-1100 50 33 , , PUNCT issue-1100 50 34 sensitivity sensitivity NOUN issue-1100 50 35 , , PUNCT issue-1100 50 36 courtesy courtesy NOUN issue-1100 50 37 and and CCONJ issue-1100 50 38 usefulness usefulness NOUN issue-1100 50 39 ; ; PUNCT issue-1100 50 40 transaction transaction NOUN issue-1100 50 41 efficiency efficiency NOUN issue-1100 50 42 in in ADP issue-1100 50 43 terms term NOUN issue-1100 50 44 of of ADP issue-1100 50 45 privacy privacy NOUN issue-1100 50 46 and and CCONJ issue-1100 50 47 security security NOUN issue-1100 50 48 ; ; PUNCT issue-1100 50 49 ease ease NOUN issue-1100 50 50 of of ADP issue-1100 50 51 use use NOUN issue-1100 50 52 , , PUNCT issue-1100 50 53 simplicity simplicity NOUN issue-1100 50 54 , , PUNCT issue-1100 50 55 timeliness timeliness NOUN issue-1100 50 56 , , PUNCT issue-1100 50 57 confidentiality confidentiality NOUN issue-1100 50 58 ; ; PUNCT issue-1100 50 59 costs cost NOUN issue-1100 50 60 of of ADP issue-1100 50 61 using use VERB issue-1100 50 62 mobile mobile ADJ issue-1100 50 63 banking banking NOUN issue-1100 50 64 : : PUNCT issue-1100 50 65 equipment equipment NOUN issue-1100 50 66 costs cost NOUN issue-1100 50 67 , , PUNCT issue-1100 50 68 access access NOUN issue-1100 50 69 costs cost NOUN issue-1100 50 70 and and CCONJ issue-1100 50 71 transaction transaction NOUN issue-1100 50 72 fees fee NOUN issue-1100 50 73 ; ; PUNCT issue-1100 50 74 risk risk NOUN issue-1100 50 75 related relate VERB issue-1100 50 76 to to ADP issue-1100 50 77 the the DET issue-1100 50 78 service service NOUN issue-1100 50 79 . . PUNCT issue-1100 51 1 jun jun PROPN issue-1100 51 2 and and CCONJ issue-1100 51 3 palacios palacio NOUN issue-1100 51 4 ( ( PUNCT issue-1100 51 5 2016 2016 NUM issue-1100 51 6 ) ) PUNCT issue-1100 51 7 establish establish VERB issue-1100 51 8 the the DET issue-1100 51 9 following follow VERB issue-1100 51 10 criteria criterion NOUN issue-1100 51 11 for for ADP issue-1100 51 12 assessing assess VERB issue-1100 51 13 mobile mobile ADJ issue-1100 51 14 banking banking NOUN issue-1100 51 15 : : PUNCT issue-1100 51 16 convenience convenience NOUN issue-1100 51 17 of of ADP issue-1100 51 18 mobile mobile ADJ issue-1100 51 19 applications application NOUN issue-1100 51 20 and and CCONJ issue-1100 51 21 their their PRON issue-1100 51 22 functions function NOUN issue-1100 51 23 , , PUNCT issue-1100 51 24 accuracy accuracy NOUN issue-1100 51 25 , , PUNCT issue-1100 51 26 ease ease NOUN issue-1100 51 27 of of ADP issue-1100 51 28 use use NOUN issue-1100 51 29 , , PUNCT issue-1100 51 30 and and CCONJ issue-1100 51 31 version version NOUN issue-1100 51 32 upgrades upgrade NOUN issue-1100 51 33 . . PUNCT issue-1100 52 1 baltic baltic PROPN issue-1100 52 2 journal journal PROPN issue-1100 52 3 of of ADP issue-1100 52 4 economic economic ADJ issue-1100 52 5 studies study NOUN issue-1100 52 6 79 79 NUM issue-1100 52 7 vol vol NOUN issue-1100 52 8 . . PROPN issue-1100 53 1 7 7 NUM issue-1100 53 2 no no NOUN issue-1100 53 3 . . NOUN issue-1100 53 4 2 2 NUM issue-1100 53 5 , , PUNCT issue-1100 53 6 2021 2021 NUM issue-1100 53 7 bidarra bidarra VERB issue-1100 53 8 et et PROPN issue-1100 53 9 al al PROPN issue-1100 53 10 . . PROPN issue-1100 54 1 ( ( PUNCT issue-1100 54 2 2013 2013 NUM issue-1100 54 3 ) ) PUNCT issue-1100 54 4 , , PUNCT issue-1100 54 5 engaged engage VERB issue-1100 54 6 in in ADP issue-1100 54 7 mobile mobile ADJ issue-1100 54 8 banking banking NOUN issue-1100 54 9 research research NOUN issue-1100 54 10 , , PUNCT issue-1100 54 11 assess assess VERB issue-1100 54 12 the the DET issue-1100 54 13 security security NOUN issue-1100 54 14 , , PUNCT issue-1100 54 15 confidentiality confidentiality NOUN issue-1100 54 16 , , PUNCT issue-1100 54 17 usefulness usefulness NOUN issue-1100 54 18 , , PUNCT issue-1100 54 19 ease ease NOUN issue-1100 54 20 of of ADP issue-1100 54 21 use use NOUN issue-1100 54 22 , , PUNCT issue-1100 54 23 trust trust NOUN issue-1100 54 24 , , PUNCT issue-1100 54 25 and and CCONJ issue-1100 54 26 risks risk NOUN issue-1100 54 27 associated associate VERB issue-1100 54 28 with with ADP issue-1100 54 29 digital digital ADJ issue-1100 54 30 services service NOUN issue-1100 54 31 provided provide VERB issue-1100 54 32 through through ADP issue-1100 54 33 mobile mobile ADJ issue-1100 54 34 applications application NOUN issue-1100 54 35 . . PUNCT issue-1100 55 1 dootson dootson NOUN issue-1100 55 2 et et PROPN issue-1100 55 3 al al PROPN issue-1100 55 4 . . PUNCT issue-1100 56 1 ( ( PUNCT issue-1100 56 2 2016 2016 NUM issue-1100 56 3 ) ) PUNCT issue-1100 56 4 explore explore VERB issue-1100 56 5 social social ADJ issue-1100 56 6 networks network NOUN issue-1100 56 7 as as ADP issue-1100 56 8 a a DET issue-1100 56 9 tool tool NOUN issue-1100 56 10 to to PART issue-1100 56 11 maximize maximize VERB issue-1100 56 12 the the DET issue-1100 56 13 banking banking NOUN issue-1100 56 14 product product NOUN issue-1100 56 15 benefits benefit NOUN issue-1100 56 16 and and CCONJ issue-1100 56 17 improve improve VERB issue-1100 56 18 the the DET issue-1100 56 19 dialogue dialogue NOUN issue-1100 56 20 with with ADP issue-1100 56 21 the the DET issue-1100 56 22 banking banking NOUN issue-1100 56 23 service service NOUN issue-1100 56 24 consumer consumer NOUN issue-1100 56 25 . . PUNCT issue-1100 57 1 the the DET issue-1100 57 2 authors author NOUN issue-1100 57 3 use use VERB issue-1100 57 4 the the DET issue-1100 57 5 method method NOUN issue-1100 57 6 of of ADP issue-1100 57 7 expert expert NOUN issue-1100 57 8 surveys survey NOUN issue-1100 57 9 , , PUNCT issue-1100 57 10 their their PRON issue-1100 57 11 processing processing NOUN issue-1100 57 12 using use VERB issue-1100 57 13 regression regression NOUN issue-1100 57 14 models model NOUN issue-1100 57 15 and and CCONJ issue-1100 57 16 t t NOUN issue-1100 57 17 - - PUNCT issue-1100 57 18 tests test NOUN issue-1100 57 19 to to PART issue-1100 57 20 assess assess VERB issue-1100 57 21 the the DET issue-1100 57 22 perceived perceive VERB issue-1100 57 23 usefulness usefulness NOUN issue-1100 57 24 of of ADP issue-1100 57 25 social social ADJ issue-1100 57 26 networks network NOUN issue-1100 57 27 in in ADP issue-1100 57 28 banking banking NOUN issue-1100 57 29 for for ADP issue-1100 57 30 the the DET issue-1100 57 31 customer customer NOUN issue-1100 57 32 , , PUNCT issue-1100 57 33 the the DET issue-1100 57 34 latter latter NOUN issue-1100 57 35 ’s ’s PART issue-1100 57 36 intention intention NOUN issue-1100 57 37 to to PART issue-1100 57 38 use use VERB issue-1100 57 39 social social ADJ issue-1100 57 40 networks network NOUN issue-1100 57 41 to to PART issue-1100 57 42 interact interact VERB issue-1100 57 43 with with ADP issue-1100 57 44 the the DET issue-1100 57 45 financial financial ADJ issue-1100 57 46 institution institution NOUN issue-1100 57 47 . . PUNCT issue-1100 58 1 a a DET issue-1100 58 2 separate separate ADJ issue-1100 58 3 unit unit NOUN issue-1100 58 4 for for ADP issue-1100 58 5 assessing assess VERB issue-1100 58 6 the the DET issue-1100 58 7 digital digital ADJ issue-1100 58 8 banking banking NOUN issue-1100 58 9 transformation transformation NOUN issue-1100 58 10 is be AUX issue-1100 58 11 determining determine VERB issue-1100 58 12 the the DET issue-1100 58 13 level level NOUN issue-1100 58 14 of of ADP issue-1100 58 15 its its PRON issue-1100 58 16 effectiveness effectiveness NOUN issue-1100 58 17 . . PUNCT issue-1100 59 1 wheelock wheelock NOUN issue-1100 59 2 and and CCONJ issue-1100 59 3 wilson wilson PROPN issue-1100 59 4 ( ( PUNCT issue-1100 59 5 2017 2017 NUM issue-1100 59 6 ) ) PUNCT issue-1100 59 7 , , PUNCT issue-1100 59 8 plotnikova plotnikova VERB issue-1100 59 9 and and CCONJ issue-1100 59 10 kudryavtseva kudryavtseva PROPN issue-1100 59 11 ( ( PUNCT issue-1100 59 12 2020 2020 NUM issue-1100 59 13 ) ) PUNCT issue-1100 59 14 , , PUNCT issue-1100 59 15 ovidiu ovidiu PROPN issue-1100 59 16 and and CCONJ issue-1100 59 17 alina alina PROPN issue-1100 59 18 ( ( PUNCT issue-1100 59 19 2015 2015 NUM issue-1100 59 20 ) ) PUNCT issue-1100 59 21 , , PUNCT issue-1100 59 22 and and CCONJ issue-1100 59 23 bataev bataev PROPN issue-1100 59 24 and and CCONJ issue-1100 59 25 plotnikova plotnikova X issue-1100 59 26 ( ( PUNCT issue-1100 59 27 2019 2019 NUM issue-1100 59 28 ) ) PUNCT issue-1100 59 29 devote devote VERB issue-1100 59 30 their their PRON issue-1100 59 31 works work NOUN issue-1100 59 32 to to ADP issue-1100 59 33 this this DET issue-1100 59 34 aspect aspect NOUN issue-1100 59 35 . . PUNCT issue-1100 60 1 the the DET issue-1100 60 2 authors author NOUN issue-1100 60 3 determine determine VERB issue-1100 60 4 the the DET issue-1100 60 5 impact impact NOUN issue-1100 60 6 exerted exert VERB issue-1100 60 7 by by ADP issue-1100 60 8 digital digital ADJ issue-1100 60 9 bank bank NOUN issue-1100 60 10 indicators indicator NOUN issue-1100 60 11 on on ADP issue-1100 60 12 profits profit NOUN issue-1100 60 13 , , PUNCT issue-1100 60 14 determine determine VERB issue-1100 60 15 the the DET issue-1100 60 16 parameters parameter NOUN issue-1100 60 17 affecting affect VERB issue-1100 60 18 the the DET issue-1100 60 19 assessment assessment NOUN issue-1100 60 20 of of ADP issue-1100 60 21 the the DET issue-1100 60 22 digital digital ADJ issue-1100 60 23 bank bank NOUN issue-1100 60 24 efficiency efficiency NOUN issue-1100 60 25 , , PUNCT issue-1100 60 26 formulate formulate ADJ issue-1100 60 27 econometric econometric ADJ issue-1100 60 28 models model NOUN issue-1100 60 29 to to PART issue-1100 60 30 analyse analyse VERB issue-1100 60 31 the the DET issue-1100 60 32 assessment assessment NOUN issue-1100 60 33 of of ADP issue-1100 60 34 the the DET issue-1100 60 35 banks bank NOUN issue-1100 60 36 ’ ' PUNCT issue-1100 60 37 efficiency efficiency NOUN issue-1100 60 38 . . PUNCT issue-1100 61 1 thus thus ADV issue-1100 61 2 , , PUNCT issue-1100 61 3 the the DET issue-1100 61 4 assessment assessment NOUN issue-1100 61 5 of of ADP issue-1100 61 6 digital digital ADJ issue-1100 61 7 banking banking NOUN issue-1100 61 8 transformation transformation NOUN issue-1100 61 9 is be AUX issue-1100 61 10 widely widely ADV issue-1100 61 11 studied study VERB issue-1100 61 12 by by ADP issue-1100 61 13 practitioners practitioner NOUN issue-1100 61 14 and and CCONJ issue-1100 61 15 scholars scholar NOUN issue-1100 61 16 . . PUNCT issue-1100 62 1 however however ADV issue-1100 62 2 , , PUNCT issue-1100 62 3 the the DET issue-1100 62 4 lack lack NOUN issue-1100 62 5 of of ADP issue-1100 62 6 a a DET issue-1100 62 7 systemic systemic ADJ issue-1100 62 8 approach approach NOUN issue-1100 62 9 to to ADP issue-1100 62 10 creating create VERB issue-1100 62 11 an an DET issue-1100 62 12 indicator indicator NOUN issue-1100 62 13 set set VERB issue-1100 62 14 to to PART issue-1100 62 15 measure measure VERB issue-1100 62 16 the the DET issue-1100 62 17 banking banking NOUN issue-1100 62 18 digitalization digitalization NOUN issue-1100 62 19 level level NOUN issue-1100 62 20 , , PUNCT issue-1100 62 21 their their PRON issue-1100 62 22 suitability suitability NOUN issue-1100 62 23 for for ADP issue-1100 62 24 the the DET issue-1100 62 25 analysis analysis NOUN issue-1100 62 26 of of ADP issue-1100 62 27 tools tool NOUN issue-1100 62 28 while while SCONJ issue-1100 62 29 forming form VERB issue-1100 62 30 a a DET issue-1100 62 31 marketing marketing NOUN issue-1100 62 32 strategy strategy NOUN issue-1100 62 33 of of ADP issue-1100 62 34 banking banking NOUN issue-1100 62 35 , , PUNCT issue-1100 62 36 assessment assessment NOUN issue-1100 62 37 , , PUNCT issue-1100 62 38 and and CCONJ issue-1100 62 39 monitoring monitoring NOUN issue-1100 62 40 of of ADP issue-1100 62 41 the the DET issue-1100 62 42 banking banking NOUN issue-1100 62 43 institution institution NOUN issue-1100 62 44 ’s ’s PART issue-1100 62 45 competitive competitive ADJ issue-1100 62 46 capacity capacity NOUN issue-1100 62 47 are be AUX issue-1100 62 48 of of ADP issue-1100 62 49 great great ADJ issue-1100 62 50 importance importance NOUN issue-1100 62 51 . . PUNCT issue-1100 63 1 it it PRON issue-1100 63 2 is be AUX issue-1100 63 3 necessary necessary ADJ issue-1100 63 4 to to PART issue-1100 63 5 form form VERB issue-1100 63 6 methods method NOUN issue-1100 63 7 that that PRON issue-1100 63 8 are be AUX issue-1100 63 9 instrumental instrumental ADJ issue-1100 63 10 in in ADP issue-1100 63 11 quantifying quantify VERB issue-1100 63 12 the the DET issue-1100 63 13 level level NOUN issue-1100 63 14 of of ADP issue-1100 63 15 the the DET issue-1100 63 16 digital digital ADJ issue-1100 63 17 banking banking NOUN issue-1100 63 18 transformation transformation NOUN issue-1100 63 19 as as SCONJ issue-1100 63 20 qualitative qualitative ADJ issue-1100 63 21 assessment assessment NOUN issue-1100 63 22 often often ADV issue-1100 63 23 provides provide VERB issue-1100 63 24 inaccurate inaccurate ADJ issue-1100 63 25 results result NOUN issue-1100 63 26 , , PUNCT issue-1100 63 27 which which PRON issue-1100 63 28 depend depend VERB issue-1100 63 29 on on ADP issue-1100 63 30 the the DET issue-1100 63 31 expert expert NOUN issue-1100 63 32 group group NOUN issue-1100 63 33 composition composition NOUN issue-1100 63 34 . . PUNCT issue-1100 64 1 3 3 X issue-1100 64 2 . . X issue-1100 64 3 aims aim NOUN issue-1100 64 4 and and CCONJ issue-1100 64 5 methods method NOUN issue-1100 64 6 this this DET issue-1100 64 7 study study NOUN issue-1100 64 8 aims aim VERB issue-1100 64 9 to to PART issue-1100 64 10 develop develop VERB issue-1100 64 11 a a DET issue-1100 64 12 system system NOUN issue-1100 64 13 of of ADP issue-1100 64 14 the the DET issue-1100 64 15 digital digital ADJ issue-1100 64 16 banking banking NOUN issue-1100 64 17 transformation transformation NOUN issue-1100 64 18 indicators indicator NOUN issue-1100 64 19 and and CCONJ issue-1100 64 20 methods method NOUN issue-1100 64 21 of of ADP issue-1100 64 22 their their PRON issue-1100 64 23 assessment assessment NOUN issue-1100 64 24 within within ADP issue-1100 64 25 a a DET issue-1100 64 26 complex complex ADJ issue-1100 64 27 indicator indicator NOUN issue-1100 64 28 . . PUNCT issue-1100 65 1 the the DET issue-1100 65 2 following follow VERB issue-1100 65 3 tasks task NOUN issue-1100 65 4 require require VERB issue-1100 65 5 full full ADJ issue-1100 65 6 completion completion NOUN issue-1100 65 7 to to PART issue-1100 65 8 achieve achieve VERB issue-1100 65 9 this this DET issue-1100 65 10 aim aim NOUN issue-1100 65 11 : : PUNCT issue-1100 65 12 – – PUNCT issue-1100 65 13 systematizing systematize VERB issue-1100 65 14 the the DET issue-1100 65 15 digital digital ADJ issue-1100 65 16 transformation transformation NOUN issue-1100 65 17 parameters parameter NOUN issue-1100 65 18 according accord VERB issue-1100 65 19 to to ADP issue-1100 65 20 the the DET issue-1100 65 21 set set NOUN issue-1100 65 22 of of ADP issue-1100 65 23 criteria criterion NOUN issue-1100 65 24 and and CCONJ issue-1100 65 25 characteristics characteristic NOUN issue-1100 65 26 and and CCONJ issue-1100 65 27 determining determine VERB issue-1100 65 28 the the DET issue-1100 65 29 indicators indicator NOUN issue-1100 65 30 of of ADP issue-1100 65 31 the the DET issue-1100 65 32 digital digital ADJ issue-1100 65 33 banking banking NOUN issue-1100 65 34 transformation transformation NOUN issue-1100 65 35 level level NOUN issue-1100 65 36 by by ADP issue-1100 65 37 each each DET issue-1100 65 38 parameter parameter NOUN issue-1100 65 39 . . PUNCT issue-1100 66 1 to to PART issue-1100 66 2 implement implement VERB issue-1100 66 3 this this DET issue-1100 66 4 task task NOUN issue-1100 66 5 , , PUNCT issue-1100 66 6 generalization generalization NOUN issue-1100 66 7 , , PUNCT issue-1100 66 8 grouping grouping NOUN issue-1100 66 9 , , PUNCT issue-1100 66 10 and and CCONJ issue-1100 66 11 systematization systematization NOUN issue-1100 66 12 methods method NOUN issue-1100 66 13 were be AUX issue-1100 66 14 used use VERB issue-1100 66 15 ; ; PUNCT issue-1100 66 16 – – PUNCT issue-1100 66 17 identifying identify VERB issue-1100 66 18 the the DET issue-1100 66 19 methods method NOUN issue-1100 66 20 for for ADP issue-1100 66 21 analysing analyse VERB issue-1100 66 22 the the DET issue-1100 66 23 digital digital ADJ issue-1100 66 24 banking banking NOUN issue-1100 66 25 transformation transformation NOUN issue-1100 66 26 indicators indicator NOUN issue-1100 66 27 . . PUNCT issue-1100 67 1 the the DET issue-1100 67 2 methods method NOUN issue-1100 67 3 of of ADP issue-1100 67 4 static static ADJ issue-1100 67 5 , , PUNCT issue-1100 67 6 dynamic dynamic ADJ issue-1100 67 7 , , PUNCT issue-1100 67 8 and and CCONJ issue-1100 67 9 structural structural ADJ issue-1100 67 10 assessment assessment NOUN issue-1100 67 11 of of ADP issue-1100 67 12 indicators indicator NOUN issue-1100 67 13 were be AUX issue-1100 67 14 proposed propose VERB issue-1100 67 15 to to PART issue-1100 67 16 accomplish accomplish VERB issue-1100 67 17 this this DET issue-1100 67 18 task task NOUN issue-1100 67 19 ; ; PUNCT issue-1100 67 20 – – PUNCT issue-1100 67 21 grounding ground VERB issue-1100 67 22 the the DET issue-1100 67 23 methods method NOUN issue-1100 67 24 of of ADP issue-1100 67 25 a a DET issue-1100 67 26 quantitative quantitative ADJ issue-1100 67 27 assessment assessment NOUN issue-1100 67 28 of of ADP issue-1100 67 29 indicators indicator NOUN issue-1100 67 30 and and CCONJ issue-1100 67 31 their their PRON issue-1100 67 32 consolidation consolidation NOUN issue-1100 67 33 . . PUNCT issue-1100 68 1 normalization normalization NOUN issue-1100 68 2 and and CCONJ issue-1100 68 3 integration integration NOUN issue-1100 68 4 by by ADP issue-1100 68 5 the the DET issue-1100 68 6 arithmetic arithmetic ADJ issue-1100 68 7 mean mean NOUN issue-1100 68 8 method method NOUN issue-1100 68 9 were be AUX issue-1100 68 10 recommended recommend VERB issue-1100 68 11 while while SCONJ issue-1100 68 12 completing complete VERB issue-1100 68 13 this this DET issue-1100 68 14 task task NOUN issue-1100 68 15 . . PUNCT issue-1100 69 1 4 4 X issue-1100 69 2 . . X issue-1100 69 3 discussion discussion NOUN issue-1100 69 4 the the DET issue-1100 69 5 studied study VERB issue-1100 69 6 literature literature NOUN issue-1100 69 7 sources source NOUN issue-1100 69 8 afford afford VERB issue-1100 69 9 grounds ground NOUN issue-1100 69 10 to to PART issue-1100 69 11 systematize systematize VERB issue-1100 69 12 the the DET issue-1100 69 13 digital digital ADJ issue-1100 69 14 banking banking NOUN issue-1100 69 15 transformation transformation NOUN issue-1100 69 16 parameters parameter NOUN issue-1100 69 17 by by ADP issue-1100 69 18 the the DET issue-1100 69 19 following following ADJ issue-1100 69 20 characteristics characteristic NOUN issue-1100 69 21 : : PUNCT issue-1100 69 22 – – PUNCT issue-1100 69 23 digital digital ADJ issue-1100 69 24 banking banking NOUN issue-1100 69 25 platforms platform NOUN issue-1100 69 26 ; ; PUNCT issue-1100 69 27 – – PUNCT issue-1100 69 28 digital digital ADJ issue-1100 69 29 services service NOUN issue-1100 69 30 provided provide VERB issue-1100 69 31 by by ADP issue-1100 69 32 the the DET issue-1100 69 33 bank bank NOUN issue-1100 69 34 ; ; PUNCT issue-1100 69 35 – – PUNCT issue-1100 69 36 digital digital ADJ issue-1100 69 37 communications communication NOUN issue-1100 69 38 with with ADP issue-1100 69 39 the the DET issue-1100 69 40 bank bank NOUN issue-1100 69 41 ’s ’s PART issue-1100 69 42 customers customer NOUN issue-1100 69 43 . . PUNCT issue-1100 70 1 digital digital ADJ issue-1100 70 2 banking banking NOUN issue-1100 70 3 platforms platform NOUN issue-1100 70 4 comprise comprise VERB issue-1100 70 5 internet internet NOUN issue-1100 70 6 banking banking NOUN issue-1100 70 7 and and CCONJ issue-1100 70 8 mobile mobile ADJ issue-1100 70 9 banking banking NOUN issue-1100 70 10 . . PUNCT issue-1100 71 1 digital digital ADJ issue-1100 71 2 banking banking NOUN issue-1100 71 3 channels channel NOUN issue-1100 71 4 are be AUX issue-1100 71 5 also also ADV issue-1100 71 6 represented represent VERB issue-1100 71 7 by by ADP issue-1100 71 8 atms atms NOUN issue-1100 71 9 , , PUNCT issue-1100 71 10 digital digital ADJ issue-1100 71 11 kiosks kiosk NOUN issue-1100 71 12 and/or and/or CCONJ issue-1100 71 13 pos pos NOUN issue-1100 71 14 machines machine NOUN issue-1100 71 15 , , PUNCT issue-1100 71 16 and and CCONJ issue-1100 71 17 mobile mobile ADJ issue-1100 71 18 terminals terminal NOUN issue-1100 71 19 . . PUNCT issue-1100 72 1 the the DET issue-1100 72 2 indicators indicator NOUN issue-1100 72 3 peculiar peculiar ADJ issue-1100 72 4 to to ADP issue-1100 72 5 this this DET issue-1100 72 6 digital digital ADJ issue-1100 72 7 transformation transformation NOUN issue-1100 72 8 characteristic characteristic NOUN issue-1100 72 9 should should AUX issue-1100 72 10 quantitatively quantitatively ADV issue-1100 72 11 assess assess VERB issue-1100 72 12 the the DET issue-1100 72 13 channel channel NOUN issue-1100 72 14 popularity popularity NOUN issue-1100 72 15 among among ADP issue-1100 72 16 the the DET issue-1100 72 17 users user NOUN issue-1100 72 18 to to PART issue-1100 72 19 develop develop VERB issue-1100 72 20 appropriate appropriate ADJ issue-1100 72 21 plans plan NOUN issue-1100 72 22 aimed aim VERB issue-1100 72 23 at at ADP issue-1100 72 24 increasing increase VERB issue-1100 72 25 the the DET issue-1100 72 26 number number NOUN issue-1100 72 27 of of ADP issue-1100 72 28 consumers consumer NOUN issue-1100 72 29 and and CCONJ issue-1100 72 30 the the DET issue-1100 72 31 volume volume NOUN issue-1100 72 32 of of ADP issue-1100 72 33 the the DET issue-1100 72 34 bank bank NOUN issue-1100 72 35 ’s ’s PART issue-1100 72 36 digital digital ADJ issue-1100 72 37 services service NOUN issue-1100 72 38 . . PUNCT issue-1100 73 1 with with ADP issue-1100 73 2 this this DET issue-1100 73 3 object object NOUN issue-1100 73 4 in in ADP issue-1100 73 5 mind mind NOUN issue-1100 73 6 , , PUNCT issue-1100 73 7 it it PRON issue-1100 73 8 is be AUX issue-1100 73 9 advisable advisable ADJ issue-1100 73 10 to to PART issue-1100 73 11 calculate calculate VERB issue-1100 73 12 , , PUNCT issue-1100 73 13 monitor monitor NOUN issue-1100 73 14 , , PUNCT issue-1100 73 15 and and CCONJ issue-1100 73 16 analyse analyse PROPN issue-1100 73 17 : : PUNCT issue-1100 73 18 – – PUNCT issue-1100 73 19 the the DET issue-1100 73 20 static static ADJ issue-1100 73 21 indicators indicator NOUN issue-1100 73 22 : : PUNCT issue-1100 73 23 popularization popularization NOUN issue-1100 73 24 of of ADP issue-1100 73 25 digital digital ADJ issue-1100 73 26 platforms platform NOUN issue-1100 73 27 among among ADP issue-1100 73 28 the the DET issue-1100 73 29 banking banking NOUN issue-1100 73 30 service service NOUN issue-1100 73 31 consumers consumer NOUN issue-1100 73 32 ( ( PUNCT issue-1100 73 33 number number NOUN issue-1100 73 34 of of ADP issue-1100 73 35 visitors visitor NOUN issue-1100 73 36 to to ADP issue-1100 73 37 the the DET issue-1100 73 38 bank bank NOUN issue-1100 73 39 ’s ’s PART issue-1100 73 40 website website NOUN issue-1100 73 41 within within ADP issue-1100 73 42 a a DET issue-1100 73 43 certain certain ADJ issue-1100 73 44 period period NOUN issue-1100 73 45 ( ( PUNCT issue-1100 73 46 a a DET issue-1100 73 47 month month NOUN issue-1100 73 48 , , PUNCT issue-1100 73 49 a a DET issue-1100 73 50 quarter quarter NOUN issue-1100 73 51 , , PUNCT issue-1100 73 52 or or CCONJ issue-1100 73 53 a a DET issue-1100 73 54 year year NOUN issue-1100 73 55 ) ) PUNCT issue-1100 73 56 ; ; PUNCT issue-1100 73 57 number number NOUN issue-1100 73 58 of of ADP issue-1100 73 59 registered register VERB issue-1100 73 60 users user NOUN issue-1100 73 61 of of ADP issue-1100 73 62 the the DET issue-1100 73 63 bank bank NOUN issue-1100 73 64 ’s ’s PART issue-1100 73 65 mobile mobile ADJ issue-1100 73 66 applications application NOUN issue-1100 73 67 ; ; PUNCT issue-1100 73 68 number number NOUN issue-1100 73 69 of of ADP issue-1100 73 70 branded brand VERB issue-1100 73 71 online online ADJ issue-1100 73 72 inquiries inquiry NOUN issue-1100 73 73 ; ; PUNCT issue-1100 73 74 number number NOUN issue-1100 73 75 of of ADP issue-1100 73 76 atms atms PROPN issue-1100 73 77 , , PUNCT issue-1100 73 78 pos pos NOUN issue-1100 73 79 machines machine NOUN issue-1100 73 80 , , PUNCT issue-1100 73 81 and and CCONJ issue-1100 73 82 mobile mobile ADJ issue-1100 73 83 terminals terminal NOUN issue-1100 73 84 ) ) PUNCT issue-1100 73 85 and and CCONJ issue-1100 73 86 volume volume NOUN issue-1100 73 87 of of ADP issue-1100 73 88 transactions transaction NOUN issue-1100 73 89 through through ADP issue-1100 73 90 digital digital ADJ issue-1100 73 91 platforms platform NOUN issue-1100 73 92 ( ( PUNCT issue-1100 73 93 volume volume NOUN issue-1100 73 94 of of ADP issue-1100 73 95 transactions transaction NOUN issue-1100 73 96 performed perform VERB issue-1100 73 97 through through ADP issue-1100 73 98 the the DET issue-1100 73 99 bank bank NOUN issue-1100 73 100 ’s ’s PART issue-1100 73 101 website website NOUN issue-1100 73 102 within within ADP issue-1100 73 103 a a DET issue-1100 73 104 certain certain ADJ issue-1100 73 105 period period NOUN issue-1100 73 106 ( ( PUNCT issue-1100 73 107 a a DET issue-1100 73 108 month month NOUN issue-1100 73 109 , , PUNCT issue-1100 73 110 a a DET issue-1100 73 111 quarter quarter NOUN issue-1100 73 112 , , PUNCT issue-1100 73 113 a a DET issue-1100 73 114 year year NOUN issue-1100 73 115 ) ) PUNCT issue-1100 73 116 ; ; PUNCT issue-1100 73 117 the the DET issue-1100 73 118 volume volume NOUN issue-1100 73 119 of of ADP issue-1100 73 120 transactions transaction NOUN issue-1100 73 121 through through ADP issue-1100 73 122 the the DET issue-1100 73 123 bank bank NOUN issue-1100 73 124 ’s ’s PART issue-1100 73 125 mobile mobile ADJ issue-1100 73 126 applications application NOUN issue-1100 73 127 ; ; PUNCT issue-1100 73 128 the the DET issue-1100 73 129 volume volume NOUN issue-1100 73 130 of of ADP issue-1100 73 131 the the DET issue-1100 73 132 atms atms NOUN issue-1100 73 133 , , PUNCT issue-1100 73 134 pos pos NOUN issue-1100 73 135 machines machine NOUN issue-1100 73 136 , , PUNCT issue-1100 73 137 and and CCONJ issue-1100 73 138 mobile mobile ADJ issue-1100 73 139 terminal terminal NOUN issue-1100 73 140 transactions transaction NOUN issue-1100 73 141 ) ) PUNCT issue-1100 73 142 ; ; PUNCT issue-1100 73 143 – – PUNCT issue-1100 73 144 dynamic dynamic ADJ issue-1100 73 145 indicators indicator NOUN issue-1100 73 146 : : PUNCT issue-1100 73 147 popularization popularization NOUN issue-1100 73 148 of of ADP issue-1100 73 149 digital digital ADJ issue-1100 73 150 platforms platform NOUN issue-1100 73 151 among among ADP issue-1100 73 152 the the DET issue-1100 73 153 banking banking NOUN issue-1100 73 154 service service NOUN issue-1100 73 155 consumers consumer NOUN issue-1100 73 156 ( ( PUNCT issue-1100 73 157 an an DET issue-1100 73 158 increased increase VERB issue-1100 73 159 number number NOUN issue-1100 73 160 of of ADP issue-1100 73 161 sign sign NOUN issue-1100 73 162 - - PUNCT issue-1100 73 163 ins in NOUN issue-1100 73 164 on on ADP issue-1100 73 165 the the DET issue-1100 73 166 bank bank NOUN issue-1100 73 167 ’s ’s PART issue-1100 73 168 website website NOUN issue-1100 73 169 within within ADP issue-1100 73 170 a a DET issue-1100 73 171 certain certain ADJ issue-1100 73 172 period period NOUN issue-1100 73 173 ( ( PUNCT issue-1100 73 174 a a DET issue-1100 73 175 month month NOUN issue-1100 73 176 , , PUNCT issue-1100 73 177 a a DET issue-1100 73 178 quarter quarter NOUN issue-1100 73 179 , , PUNCT issue-1100 73 180 a a DET issue-1100 73 181 year year NOUN issue-1100 73 182 ) ) PUNCT issue-1100 73 183 ; ; PUNCT issue-1100 73 184 an an DET issue-1100 73 185 increased increase VERB issue-1100 73 186 number number NOUN issue-1100 73 187 of of ADP issue-1100 73 188 registered register VERB issue-1100 73 189 users user NOUN issue-1100 73 190 of of ADP issue-1100 73 191 the the DET issue-1100 73 192 bank bank NOUN issue-1100 73 193 ’s ’s PART issue-1100 73 194 mobile mobile ADJ issue-1100 73 195 applications application NOUN issue-1100 73 196 within within ADP issue-1100 73 197 a a DET issue-1100 73 198 certain certain ADJ issue-1100 73 199 period period NOUN issue-1100 73 200 ( ( PUNCT issue-1100 73 201 a a DET issue-1100 73 202 month month NOUN issue-1100 73 203 , , PUNCT issue-1100 73 204 a a DET issue-1100 73 205 quarter quarter NOUN issue-1100 73 206 , , PUNCT issue-1100 73 207 or or CCONJ issue-1100 73 208 a a DET issue-1100 73 209 year year NOUN issue-1100 73 210 ) ) PUNCT issue-1100 73 211 ; ; PUNCT issue-1100 73 212 an an DET issue-1100 73 213 increased increase VERB issue-1100 73 214 number number NOUN issue-1100 73 215 of of ADP issue-1100 73 216 atms atms PROPN issue-1100 73 217 , , PUNCT issue-1100 73 218 pos pos NOUN issue-1100 73 219 machines machine NOUN issue-1100 73 220 , , PUNCT issue-1100 73 221 and and CCONJ issue-1100 73 222 mobile mobile ADJ issue-1100 73 223 terminals terminal NOUN issue-1100 73 224 ) ) PUNCT issue-1100 73 225 and and CCONJ issue-1100 73 226 the the DET issue-1100 73 227 volume volume NOUN issue-1100 73 228 of of ADP issue-1100 73 229 transactions transaction NOUN issue-1100 73 230 through through ADP issue-1100 73 231 digital digital ADJ issue-1100 73 232 platforms platform NOUN issue-1100 73 233 ( ( PUNCT issue-1100 73 234 an an DET issue-1100 73 235 increased increase VERB issue-1100 73 236 volume volume NOUN issue-1100 73 237 of of ADP issue-1100 73 238 transactions transaction NOUN issue-1100 73 239 performed perform VERB issue-1100 73 240 through through ADP issue-1100 73 241 the the DET issue-1100 73 242 bank bank NOUN issue-1100 73 243 ’s ’s PART issue-1100 73 244 website website NOUN issue-1100 73 245 within within ADP issue-1100 73 246 a a DET issue-1100 73 247 certain certain ADJ issue-1100 73 248 period period NOUN issue-1100 73 249 ( ( PUNCT issue-1100 73 250 a a DET issue-1100 73 251 month month NOUN issue-1100 73 252 , , PUNCT issue-1100 73 253 a a DET issue-1100 73 254 quarter quarter NOUN issue-1100 73 255 , , PUNCT issue-1100 73 256 a a DET issue-1100 73 257 year year NOUN issue-1100 73 258 ) ) PUNCT issue-1100 73 259 ; ; PUNCT issue-1100 73 260 an an DET issue-1100 73 261 increased increase VERB issue-1100 73 262 volume volume NOUN issue-1100 73 263 of of ADP issue-1100 73 264 transactions transaction NOUN issue-1100 73 265 through through ADP issue-1100 73 266 the the DET issue-1100 73 267 bank bank NOUN issue-1100 73 268 ’s ’s PART issue-1100 73 269 mobile mobile ADJ issue-1100 73 270 applications application NOUN issue-1100 73 271 within within ADP issue-1100 73 272 a a DET issue-1100 73 273 certain certain ADJ issue-1100 73 274 period period NOUN issue-1100 73 275 ( ( PUNCT issue-1100 73 276 a a DET issue-1100 73 277 month month NOUN issue-1100 73 278 , , PUNCT issue-1100 73 279 a a DET issue-1100 73 280 quarter quarter NOUN issue-1100 73 281 , , PUNCT issue-1100 73 282 a a DET issue-1100 73 283 year year NOUN issue-1100 73 284 ) ) PUNCT issue-1100 73 285 . . PUNCT issue-1100 74 1 based base VERB issue-1100 74 2 on on ADP issue-1100 74 3 surveys survey NOUN issue-1100 74 4 and and CCONJ issue-1100 74 5 the the DET issue-1100 74 6 experts expert NOUN issue-1100 74 7 ’ ’ PART issue-1100 74 8 involvement involvement NOUN issue-1100 74 9 , , PUNCT issue-1100 74 10 it it PRON issue-1100 74 11 is be AUX issue-1100 74 12 possible possible ADJ issue-1100 74 13 to to PART issue-1100 74 14 further far ADV issue-1100 74 15 assess assess VERB issue-1100 74 16 the the DET issue-1100 74 17 quality quality NOUN issue-1100 74 18 and and CCONJ issue-1100 74 19 functionality functionality NOUN issue-1100 74 20 of of ADP issue-1100 74 21 online online ADJ issue-1100 74 22 platforms platform NOUN issue-1100 74 23 : : PUNCT issue-1100 74 24 – – PUNCT issue-1100 74 25 automation automation NOUN issue-1100 74 26 and and CCONJ issue-1100 74 27 ease ease NOUN issue-1100 74 28 of of ADP issue-1100 74 29 use use NOUN issue-1100 74 30 of of ADP issue-1100 74 31 the the DET issue-1100 74 32 platform platform NOUN issue-1100 74 33 ( ( PUNCT issue-1100 74 34 the the DET issue-1100 74 35 assessment assessment NOUN issue-1100 74 36 is be AUX issue-1100 74 37 targeted target VERB issue-1100 74 38 at at ADP issue-1100 74 39 virtual virtual ADJ issue-1100 74 40 assistance assistance NOUN issue-1100 74 41 in in ADP issue-1100 74 42 digital digital ADJ issue-1100 74 43 operations operation NOUN issue-1100 74 44 ) ) PUNCT issue-1100 74 45 ; ; PUNCT issue-1100 74 46 – – PUNCT issue-1100 74 47 functionality functionality NOUN issue-1100 74 48 ( ( PUNCT issue-1100 74 49 for for ADP issue-1100 74 50 example example NOUN issue-1100 74 51 , , PUNCT issue-1100 74 52 utility utility NOUN issue-1100 74 53 service service NOUN issue-1100 74 54 payments payment NOUN issue-1100 74 55 , , PUNCT issue-1100 74 56 opening open VERB issue-1100 74 57 loans loan NOUN issue-1100 74 58 and and CCONJ issue-1100 74 59 deposits deposit NOUN issue-1100 74 60 , , PUNCT issue-1100 74 61 ordering order VERB issue-1100 74 62 credit credit NOUN issue-1100 74 63 and and CCONJ issue-1100 74 64 debit debit NOUN issue-1100 74 65 cards card NOUN issue-1100 74 66 , , PUNCT issue-1100 74 67 etc etc X issue-1100 74 68 . . X issue-1100 74 69 ) ) PUNCT issue-1100 74 70 ; ; PUNCT issue-1100 74 71 – – PUNCT issue-1100 74 72 design design NOUN issue-1100 74 73 and and CCONJ issue-1100 74 74 ergonomics ergonomic NOUN issue-1100 74 75 of of ADP issue-1100 74 76 the the DET issue-1100 74 77 platform platform NOUN issue-1100 74 78 ( ( PUNCT issue-1100 74 79 the the DET issue-1100 74 80 assessment assessment NOUN issue-1100 74 81 addresses address VERB issue-1100 74 82 the the DET issue-1100 74 83 compatibility compatibility NOUN issue-1100 74 84 with with ADP issue-1100 74 85 devices device NOUN issue-1100 74 86 and and CCONJ issue-1100 74 87 software software NOUN issue-1100 74 88 baltic baltic PROPN issue-1100 74 89 journal journal PROPN issue-1100 74 90 of of ADP issue-1100 74 91 economic economic ADJ issue-1100 74 92 studies study NOUN issue-1100 74 93 80 80 NUM issue-1100 74 94 vol vol NOUN issue-1100 74 95 . . PROPN issue-1100 75 1 7 7 NUM issue-1100 76 1 no no NOUN issue-1100 76 2 . . NOUN issue-1100 76 3 2 2 NUM issue-1100 76 4 , , PUNCT issue-1100 76 5 2021 2021 NUM issue-1100 76 6 ( ( PUNCT issue-1100 76 7 ios ios PROPN issue-1100 76 8 , , PUNCT issue-1100 76 9 android android PROPN issue-1100 76 10 , , PUNCT issue-1100 76 11 windows window NOUN issue-1100 76 12 , , PUNCT issue-1100 76 13 browser browser NOUN issue-1100 76 14 ) ) PUNCT issue-1100 76 15 , , PUNCT issue-1100 76 16 adaptation adaptation NOUN issue-1100 76 17 to to ADP issue-1100 76 18 languages language NOUN issue-1100 76 19 , , PUNCT issue-1100 76 20 availability availability NOUN issue-1100 76 21 of of ADP issue-1100 76 22 platform platform NOUN issue-1100 76 23 user user NOUN issue-1100 76 24 settings setting NOUN issue-1100 76 25 ) ) PUNCT issue-1100 76 26 ; ; PUNCT issue-1100 76 27 – – PUNCT issue-1100 76 28 navigation navigation NOUN issue-1100 76 29 , , PUNCT issue-1100 76 30 including include VERB issue-1100 76 31 search search NOUN issue-1100 76 32 tools tool NOUN issue-1100 76 33 and and CCONJ issue-1100 76 34 ease ease NOUN issue-1100 76 35 of of ADP issue-1100 76 36 finding find VERB issue-1100 76 37 the the DET issue-1100 76 38 necessary necessary ADJ issue-1100 76 39 information information NOUN issue-1100 76 40 ; ; PUNCT issue-1100 76 41 – – PUNCT issue-1100 76 42 cybersecurity cybersecurity NOUN issue-1100 76 43 and and CCONJ issue-1100 76 44 information information NOUN issue-1100 76 45 security security NOUN issue-1100 76 46 . . PUNCT issue-1100 77 1 the the DET issue-1100 77 2 assessment assessment NOUN issue-1100 77 3 of of ADP issue-1100 77 4 the the DET issue-1100 77 5 digital digital ADJ issue-1100 77 6 banking banking NOUN issue-1100 77 7 service service NOUN issue-1100 77 8 indicators indicator NOUN issue-1100 77 9 is be AUX issue-1100 77 10 directed direct VERB issue-1100 77 11 at at ADP issue-1100 77 12 identifying identify VERB issue-1100 77 13 areas area NOUN issue-1100 77 14 of of ADP issue-1100 77 15 digital digital ADJ issue-1100 77 16 strategy strategy NOUN issue-1100 77 17 for for ADP issue-1100 77 18 the the DET issue-1100 77 19 banking banking NOUN issue-1100 77 20 development development NOUN issue-1100 77 21 in in ADP issue-1100 77 22 terms term NOUN issue-1100 77 23 of of ADP issue-1100 77 24 products product NOUN issue-1100 77 25 and and CCONJ issue-1100 77 26 services service NOUN issue-1100 77 27 , , PUNCT issue-1100 77 28 which which PRON issue-1100 77 29 might might AUX issue-1100 77 30 help help VERB issue-1100 77 31 increase increase VERB issue-1100 77 32 profitability profitability NOUN issue-1100 77 33 . . PUNCT issue-1100 78 1 alliance alliance NOUN issue-1100 78 2 for for ADP issue-1100 78 3 financial financial ADJ issue-1100 78 4 inclusion inclusion NOUN issue-1100 78 5 ( ( PUNCT issue-1100 78 6 2019 2019 NUM issue-1100 78 7 ) ) PUNCT issue-1100 78 8 systematizes systematize NOUN issue-1100 78 9 the the DET issue-1100 78 10 digital digital ADJ issue-1100 78 11 service service NOUN issue-1100 78 12 assessment assessment NOUN issue-1100 78 13 indicators indicator NOUN issue-1100 78 14 by by ADP issue-1100 78 15 the the DET issue-1100 78 16 following follow VERB issue-1100 78 17 categories category NOUN issue-1100 78 18 : : PUNCT issue-1100 78 19 – – PUNCT issue-1100 78 20 mobile mobile ADJ issue-1100 78 21 wallets wallet NOUN issue-1100 78 22 ; ; PUNCT issue-1100 78 23 – – PUNCT issue-1100 78 24 branchless branchless ADJ issue-1100 78 25 banking banking NOUN issue-1100 78 26 transactions transaction NOUN issue-1100 78 27 ; ; PUNCT issue-1100 78 28 – – PUNCT issue-1100 78 29 electronic electronic ADJ issue-1100 78 30 wallets wallet NOUN issue-1100 78 31 , , PUNCT issue-1100 78 32 i.e. i.e. X issue-1100 78 33 electronic electronic ADJ issue-1100 78 34 money money NOUN issue-1100 78 35 accounts account NOUN issue-1100 78 36 , , PUNCT issue-1100 78 37 including include VERB issue-1100 78 38 debit debit NOUN issue-1100 78 39 cards card NOUN issue-1100 78 40 , , PUNCT issue-1100 78 41 nfc nfc NOUN issue-1100 78 42 / / SYM issue-1100 78 43 rfid rfid NOUN issue-1100 78 44 cards card NOUN issue-1100 78 45 , , PUNCT issue-1100 78 46 etc etc X issue-1100 78 47 . . X issue-1100 79 1 however however ADV issue-1100 79 2 , , PUNCT issue-1100 79 3 such such DET issue-1100 79 4 a a DET issue-1100 79 5 classification classification NOUN issue-1100 79 6 is be AUX issue-1100 79 7 significantly significantly ADV issue-1100 79 8 limited limited ADJ issue-1100 79 9 . . PUNCT issue-1100 80 1 for for ADP issue-1100 80 2 the the DET issue-1100 80 3 purposes purpose NOUN issue-1100 80 4 of of ADP issue-1100 80 5 digital digital ADJ issue-1100 80 6 transformation transformation NOUN issue-1100 80 7 assessment assessment NOUN issue-1100 80 8 , , PUNCT issue-1100 80 9 it it PRON issue-1100 80 10 is be AUX issue-1100 80 11 proposed propose VERB issue-1100 80 12 to to PART issue-1100 80 13 systematize systematize VERB issue-1100 80 14 digital digital ADJ issue-1100 80 15 services service NOUN issue-1100 80 16 by by ADP issue-1100 80 17 the the DET issue-1100 80 18 following follow VERB issue-1100 80 19 features feature NOUN issue-1100 80 20 : : PUNCT issue-1100 80 21 – – PUNCT issue-1100 80 22 by by ADP issue-1100 80 23 the the DET issue-1100 80 24 customer customer NOUN issue-1100 80 25 type type NOUN issue-1100 80 26 : : PUNCT issue-1100 80 27 digital digital ADJ issue-1100 80 28 services service NOUN issue-1100 80 29 to to ADP issue-1100 80 30 individuals individual NOUN issue-1100 80 31 , , PUNCT issue-1100 80 32 legal legal ADJ issue-1100 80 33 entities entity NOUN issue-1100 80 34 , , PUNCT issue-1100 80 35 and and CCONJ issue-1100 80 36 individual individual ADJ issue-1100 80 37 entrepreneurs entrepreneur NOUN issue-1100 80 38 ( ( PUNCT issue-1100 80 39 business business NOUN issue-1100 80 40 banking banking NOUN issue-1100 80 41 ) ) PUNCT issue-1100 80 42 ; ; PUNCT issue-1100 80 43 – – PUNCT issue-1100 80 44 by by ADP issue-1100 80 45 the the DET issue-1100 80 46 banking banking NOUN issue-1100 80 47 service service NOUN issue-1100 80 48 content content NOUN issue-1100 80 49 : : PUNCT issue-1100 80 50 deposit deposit NOUN issue-1100 80 51 , , PUNCT issue-1100 80 52 credit credit NOUN issue-1100 80 53 , , PUNCT issue-1100 80 54 online online ADJ issue-1100 80 55 utility utility NOUN issue-1100 80 56 service service NOUN issue-1100 80 57 payment payment NOUN issue-1100 80 58 , , PUNCT issue-1100 80 59 online online ADJ issue-1100 80 60 insurance insurance NOUN issue-1100 80 61 , , PUNCT issue-1100 80 62 and and CCONJ issue-1100 80 63 other other ADJ issue-1100 80 64 non non ADJ issue-1100 80 65 - - ADJ issue-1100 80 66 bank bank ADJ issue-1100 80 67 financial financial ADJ issue-1100 80 68 transactions transaction NOUN issue-1100 80 69 , , PUNCT issue-1100 80 70 payment payment NOUN issue-1100 80 71 transactions transaction NOUN issue-1100 80 72 by by ADP issue-1100 80 73 debit debit NOUN issue-1100 80 74 and and CCONJ issue-1100 80 75 credit credit NOUN issue-1100 80 76 cards card NOUN issue-1100 80 77 , , PUNCT issue-1100 80 78 etc etc X issue-1100 80 79 . . X issue-1100 80 80 ; ; PUNCT issue-1100 80 81 – – PUNCT issue-1100 80 82 by by ADP issue-1100 80 83 the the DET issue-1100 80 84 automatized automatize VERB issue-1100 80 85 details detail NOUN issue-1100 80 86 entry entry NOUN issue-1100 80 87 : : PUNCT issue-1100 80 88 through through ADP issue-1100 80 89 details detail NOUN issue-1100 80 90 , , PUNCT issue-1100 80 91 qr qr NOUN issue-1100 80 92 - - NOUN issue-1100 80 93 codes code NOUN issue-1100 80 94 ; ; PUNCT issue-1100 80 95 – – PUNCT issue-1100 80 96 by by ADP issue-1100 80 97 the the DET issue-1100 80 98 payment payment NOUN issue-1100 80 99 method method NOUN issue-1100 80 100 : : PUNCT issue-1100 80 101 from from ADP issue-1100 80 102 debit debit NOUN issue-1100 80 103 and and CCONJ issue-1100 80 104 credit credit NOUN issue-1100 80 105 cards card NOUN issue-1100 80 106 , , PUNCT issue-1100 80 107 from from ADP issue-1100 80 108 the the DET issue-1100 80 109 internet internet NOUN issue-1100 80 110 card card NOUN issue-1100 80 111 , , PUNCT issue-1100 80 112 with with ADP issue-1100 80 113 electronic electronic ADJ issue-1100 80 114 money money NOUN issue-1100 80 115 , , PUNCT issue-1100 80 116 etc etc X issue-1100 80 117 . . X issue-1100 81 1 it it PRON issue-1100 81 2 is be AUX issue-1100 81 3 suggested suggest VERB issue-1100 81 4 that that SCONJ issue-1100 81 5 the the DET issue-1100 81 6 dynamics dynamic NOUN issue-1100 81 7 of of ADP issue-1100 81 8 the the DET issue-1100 81 9 number number NOUN issue-1100 81 10 of of ADP issue-1100 81 11 customers customer NOUN issue-1100 81 12 who who PRON issue-1100 81 13 have have AUX issue-1100 81 14 used use VERB issue-1100 81 15 the the DET issue-1100 81 16 service service NOUN issue-1100 81 17 and and CCONJ issue-1100 81 18 the the DET issue-1100 81 19 transaction transaction NOUN issue-1100 81 20 volume volume NOUN issue-1100 81 21 are be AUX issue-1100 81 22 analysed analyse VERB issue-1100 81 23 by by ADP issue-1100 81 24 banking banking NOUN issue-1100 81 25 services service NOUN issue-1100 81 26 . . PUNCT issue-1100 82 1 as as SCONJ issue-1100 82 2 recommended recommend VERB issue-1100 82 3 by by ADP issue-1100 82 4 moneythor moneythor NOUN issue-1100 82 5 ( ( PUNCT issue-1100 82 6 2018 2018 NUM issue-1100 82 7 ) ) PUNCT issue-1100 82 8 , , PUNCT issue-1100 82 9 it it PRON issue-1100 82 10 is be AUX issue-1100 82 11 also also ADV issue-1100 82 12 advisable advisable ADJ issue-1100 82 13 to to PART issue-1100 82 14 determine determine VERB issue-1100 82 15 the the DET issue-1100 82 16 proportion proportion NOUN issue-1100 82 17 of of ADP issue-1100 82 18 the the DET issue-1100 82 19 customer customer NOUN issue-1100 82 20 base base NOUN issue-1100 82 21 using use VERB issue-1100 82 22 a a DET issue-1100 82 23 certain certain ADJ issue-1100 82 24 digital digital ADJ issue-1100 82 25 banking banking NOUN issue-1100 82 26 service service NOUN issue-1100 82 27 . . PUNCT issue-1100 83 1 assessing assess VERB issue-1100 83 2 the the DET issue-1100 83 3 indicators indicator NOUN issue-1100 83 4 of of ADP issue-1100 83 5 digital digital ADJ issue-1100 83 6 communications communication NOUN issue-1100 83 7 with with ADP issue-1100 83 8 the the DET issue-1100 83 9 bank bank NOUN issue-1100 83 10 ’s ’s PART issue-1100 83 11 customers customer NOUN issue-1100 83 12 forms form VERB issue-1100 83 13 the the DET issue-1100 83 14 third third ADJ issue-1100 83 15 aspect aspect NOUN issue-1100 83 16 of of ADP issue-1100 83 17 the the DET issue-1100 83 18 assessed assessed ADJ issue-1100 83 19 level level NOUN issue-1100 83 20 of of ADP issue-1100 83 21 the the DET issue-1100 83 22 digital digital ADJ issue-1100 83 23 banking banking NOUN issue-1100 83 24 transformation transformation NOUN issue-1100 83 25 . . PUNCT issue-1100 84 1 these these PRON issue-1100 84 2 include include VERB issue-1100 84 3 the the DET issue-1100 84 4 ability ability NOUN issue-1100 84 5 to to PART issue-1100 84 6 use use VERB issue-1100 84 7 social social ADJ issue-1100 84 8 networks network NOUN issue-1100 84 9 ( ( PUNCT issue-1100 84 10 facebook facebook PROPN issue-1100 84 11 , , PUNCT issue-1100 84 12 instagram instagram PROPN issue-1100 84 13 etc etc X issue-1100 84 14 . . X issue-1100 84 15 ) ) PUNCT issue-1100 84 16 , , PUNCT issue-1100 84 17 messenger messenger NOUN issue-1100 84 18 chatbots chatbot NOUN issue-1100 84 19 ( ( PUNCT issue-1100 84 20 telegram telegram PROPN issue-1100 84 21 , , PUNCT issue-1100 84 22 viber viber NOUN issue-1100 84 23 etc etc X issue-1100 84 24 . . PUNCT issue-1100 84 25 ) ) PUNCT issue-1100 84 26 to to PART issue-1100 84 27 establish establish VERB issue-1100 84 28 long long ADJ issue-1100 84 29 - - PUNCT issue-1100 84 30 term term NOUN issue-1100 84 31 productive productive ADJ issue-1100 84 32 relationships relationship NOUN issue-1100 84 33 with with ADP issue-1100 84 34 the the DET issue-1100 84 35 bank bank NOUN issue-1100 84 36 ’s ’s PART issue-1100 84 37 customers customer NOUN issue-1100 84 38 through through ADP issue-1100 84 39 consulting consulting NOUN issue-1100 84 40 services service NOUN issue-1100 84 41 , , PUNCT issue-1100 84 42 advice advice NOUN issue-1100 84 43 , , PUNCT issue-1100 84 44 information information NOUN issue-1100 84 45 about about ADP issue-1100 84 46 banking banking NOUN issue-1100 84 47 products product NOUN issue-1100 84 48 and and CCONJ issue-1100 84 49 services service NOUN issue-1100 84 50 . . PUNCT issue-1100 85 1 in in ADP issue-1100 85 2 this this DET issue-1100 85 3 way way NOUN issue-1100 85 4 , , PUNCT issue-1100 85 5 banks bank NOUN issue-1100 85 6 can can AUX issue-1100 85 7 increase increase VERB issue-1100 85 8 their their PRON issue-1100 85 9 revenues revenue NOUN issue-1100 85 10 using use VERB issue-1100 85 11 the the DET issue-1100 85 12 best good ADJ issue-1100 85 13 communication communication NOUN issue-1100 85 14 strategies strategy NOUN issue-1100 85 15 . . PUNCT issue-1100 86 1 this this DET issue-1100 86 2 assessment assessment NOUN issue-1100 86 3 is be AUX issue-1100 86 4 designed design VERB issue-1100 86 5 to to PART issue-1100 86 6 determine determine VERB issue-1100 86 7 the the DET issue-1100 86 8 communication communication NOUN issue-1100 86 9 channel channel NOUN issue-1100 86 10 effectiveness effectiveness NOUN issue-1100 86 11 for for ADP issue-1100 86 12 the the DET issue-1100 86 13 development development NOUN issue-1100 86 14 of of ADP issue-1100 86 15 appropriate appropriate ADJ issue-1100 86 16 plans plan NOUN issue-1100 86 17 to to PART issue-1100 86 18 increase increase VERB issue-1100 86 19 the the DET issue-1100 86 20 consumer consumer NOUN issue-1100 86 21 number number NOUN issue-1100 86 22 and and CCONJ issue-1100 86 23 the the DET issue-1100 86 24 bank bank NOUN issue-1100 86 25 ’s ’s PART issue-1100 86 26 volume volume NOUN issue-1100 86 27 of of ADP issue-1100 86 28 digital digital ADJ issue-1100 86 29 services service NOUN issue-1100 86 30 . . PUNCT issue-1100 87 1 the the DET issue-1100 87 2 indicators indicator NOUN issue-1100 87 3 aimed aim VERB issue-1100 87 4 to to PART issue-1100 87 5 assess assess VERB issue-1100 87 6 digital digital ADJ issue-1100 87 7 communications communication NOUN issue-1100 87 8 can can AUX issue-1100 87 9 reflect reflect VERB issue-1100 87 10 : : PUNCT issue-1100 87 11 – – PUNCT issue-1100 87 12 the the DET issue-1100 87 13 number number NOUN issue-1100 87 14 of of ADP issue-1100 87 15 general general ADJ issue-1100 87 16 and and CCONJ issue-1100 87 17 individual individual ADJ issue-1100 87 18 consultations consultation NOUN issue-1100 87 19 and and CCONJ issue-1100 87 20 advice advice NOUN issue-1100 87 21 provided provide VERB issue-1100 87 22 in in ADP issue-1100 87 23 a a DET issue-1100 87 24 particular particular ADJ issue-1100 87 25 communication communication NOUN issue-1100 87 26 channel channel NOUN issue-1100 87 27 ; ; PUNCT issue-1100 87 28 – – PUNCT issue-1100 87 29 the the DET issue-1100 87 30 number number NOUN issue-1100 87 31 of of ADP issue-1100 87 32 responses response NOUN issue-1100 87 33 to to ADP issue-1100 87 34 questionnaires questionnaire NOUN issue-1100 87 35 posted post VERB issue-1100 87 36 on on ADP issue-1100 87 37 a a DET issue-1100 87 38 particular particular ADJ issue-1100 87 39 communication communication NOUN issue-1100 87 40 channel channel NOUN issue-1100 87 41 ; ; PUNCT issue-1100 87 42 – – PUNCT issue-1100 87 43 the the DET issue-1100 87 44 number number NOUN issue-1100 87 45 of of ADP issue-1100 87 46 subscribers subscriber NOUN issue-1100 87 47 on on ADP issue-1100 87 48 social social ADJ issue-1100 87 49 networks network NOUN issue-1100 87 50 . . PUNCT issue-1100 88 1 these these PRON issue-1100 88 2 should should AUX issue-1100 88 3 also also ADV issue-1100 88 4 be be AUX issue-1100 88 5 analysed analyse VERB issue-1100 88 6 by by ADP issue-1100 88 7 static static ADJ issue-1100 88 8 , , PUNCT issue-1100 88 9 dynamic dynamic ADJ issue-1100 88 10 , , PUNCT issue-1100 88 11 and and CCONJ issue-1100 88 12 structural structural ADJ issue-1100 88 13 indicators indicator NOUN issue-1100 88 14 . . PUNCT issue-1100 89 1 figure figure NOUN issue-1100 89 2 1 1 NUM issue-1100 89 3 provides provide VERB issue-1100 89 4 a a DET issue-1100 89 5 systematic systematic ADJ issue-1100 89 6 generalization generalization NOUN issue-1100 89 7 of of ADP issue-1100 89 8 the the DET issue-1100 89 9 digital digital ADJ issue-1100 89 10 banking banking NOUN issue-1100 89 11 transformation transformation NOUN issue-1100 89 12 indicators indicator NOUN issue-1100 89 13 . . PUNCT issue-1100 90 1 to to PART issue-1100 90 2 determine determine VERB issue-1100 90 3 the the DET issue-1100 90 4 integrated integrate VERB issue-1100 90 5 level level NOUN issue-1100 90 6 of of ADP issue-1100 90 7 digital digital ADJ issue-1100 90 8 banking banking NOUN issue-1100 90 9 transformation transformation NOUN issue-1100 90 10 for for ADP issue-1100 90 11 the the DET issue-1100 90 12 purposes purpose NOUN issue-1100 90 13 of of ADP issue-1100 90 14 forming form VERB issue-1100 90 15 a a DET issue-1100 90 16 competitive competitive ADJ issue-1100 90 17 strategy strategy NOUN issue-1100 90 18 , , PUNCT issue-1100 90 19 it it PRON issue-1100 90 20 is be AUX issue-1100 90 21 necessary necessary ADJ issue-1100 90 22 to to PART issue-1100 90 23 provide provide VERB issue-1100 90 24 a a DET issue-1100 90 25 comparative comparative ADJ issue-1100 90 26 assessment assessment NOUN issue-1100 90 27 of of ADP issue-1100 90 28 the the DET issue-1100 90 29 bank bank NOUN issue-1100 90 30 ’s ’s PART issue-1100 90 31 competitive competitive ADJ issue-1100 90 32 position position NOUN issue-1100 90 33 in in ADP issue-1100 90 34 the the DET issue-1100 90 35 sector sector NOUN issue-1100 90 36 . . PUNCT issue-1100 91 1 accordingly accordingly ADV issue-1100 91 2 , , PUNCT issue-1100 91 3 the the DET issue-1100 91 4 collected collect VERB issue-1100 91 5 statistics statistic NOUN issue-1100 91 6 require require VERB issue-1100 91 7 processing processing NOUN issue-1100 91 8 pursuant pursuant NOUN issue-1100 91 9 to to ADP issue-1100 91 10 the the DET issue-1100 91 11 following follow VERB issue-1100 91 12 steps step NOUN issue-1100 91 13 : : PUNCT issue-1100 91 14 – – PUNCT issue-1100 91 15 formation formation NOUN issue-1100 91 16 of of ADP issue-1100 91 17 a a DET issue-1100 91 18 digital digital ADJ issue-1100 91 19 transformation transformation NOUN issue-1100 91 20 indicator indicator NOUN issue-1100 91 21 database database NOUN issue-1100 91 22 divided divide VERB issue-1100 91 23 into into ADP issue-1100 91 24 three three NUM issue-1100 91 25 groups group NOUN issue-1100 91 26 ( ( PUNCT issue-1100 91 27 figure figure NOUN issue-1100 91 28 1 1 NUM issue-1100 91 29 ) ) PUNCT issue-1100 91 30 and and CCONJ issue-1100 91 31 built build VERB issue-1100 91 32 on on ADP issue-1100 91 33 the the DET issue-1100 91 34 data datum NOUN issue-1100 91 35 of of ADP issue-1100 91 36 the the DET issue-1100 91 37 country country NOUN issue-1100 91 38 ’s ’s PART issue-1100 91 39 banks bank NOUN issue-1100 91 40 from from ADP issue-1100 91 41 open open ADJ issue-1100 91 42 sources source NOUN issue-1100 91 43 ; ; PUNCT issue-1100 91 44 – – PUNCT issue-1100 91 45 considering consider VERB issue-1100 91 46 that that SCONJ issue-1100 91 47 different different ADJ issue-1100 91 48 indicators indicator NOUN issue-1100 91 49 can can AUX issue-1100 91 50 be be AUX issue-1100 91 51 presented present VERB issue-1100 91 52 in in ADP issue-1100 91 53 different different ADJ issue-1100 91 54 scales scale NOUN issue-1100 91 55 and and CCONJ issue-1100 91 56 units unit NOUN issue-1100 91 57 of of ADP issue-1100 91 58 measurement measurement NOUN issue-1100 91 59 , , PUNCT issue-1100 91 60 it it PRON issue-1100 91 61 is be AUX issue-1100 91 62 necessary necessary ADJ issue-1100 91 63 to to PART issue-1100 91 64 normalize normalize VERB issue-1100 91 65 the the DET issue-1100 91 66 indicators indicator NOUN issue-1100 91 67 by by ADP issue-1100 91 68 the the DET issue-1100 91 69 minimax minimax NOUN issue-1100 91 70 method method NOUN issue-1100 91 71 in in ADP issue-1100 91 72 the the DET issue-1100 91 73 range range NOUN issue-1100 92 1 [ [ X issue-1100 92 2 0 0 NUM issue-1100 92 3 … … SYM issue-1100 92 4 1 1 NUM issue-1100 92 5 ] ] PUNCT issue-1100 92 6 , , PUNCT issue-1100 92 7 where where SCONJ issue-1100 92 8 the the DET issue-1100 92 9 minimum minimum ADJ issue-1100 92 10 and and CCONJ issue-1100 92 11 maximum maximum ADV issue-1100 92 12 scaled scale VERB issue-1100 92 13 values value NOUN issue-1100 92 14 correspond correspond VERB issue-1100 92 15 to to ADP issue-1100 92 16 0 0 NUM issue-1100 92 17 and and CCONJ issue-1100 92 18 1 1 NUM issue-1100 92 19 , , PUNCT issue-1100 92 20 respectively respectively ADV issue-1100 92 21 , , PUNCT issue-1100 92 22 by by ADP issue-1100 92 23 the the DET issue-1100 92 24 following follow VERB issue-1100 92 25 formula formula NOUN issue-1100 92 26 : : PUNCT issue-1100 92 27 ′ ′ NUM issue-1100 92 28 = = PUNCT issue-1100 93 1 − − NOUN issue-1100 93 2 − − NOUN issue-1100 94 1 x x SYM issue-1100 94 2 x x PUNCT issue-1100 94 3 x x PUNCT issue-1100 94 4 x x SYM issue-1100 94 5 x x SYM issue-1100 95 1 ij ij INTJ issue-1100 95 2 ij ij INTJ issue-1100 95 3 j j PROPN issue-1100 95 4 j j PROPN issue-1100 95 5 j j PROPN issue-1100 95 6 min min PROPN issue-1100 95 7 max max PROPN issue-1100 95 8 min min PROPN issue-1100 95 9 ; ; PUNCT issue-1100 95 10 where where SCONJ issue-1100 95 11 ′x ′x NOUN issue-1100 95 12 ij ij NOUN issue-1100 95 13 is be AUX issue-1100 95 14 the the DET issue-1100 95 15 normalized normalize VERB issue-1100 95 16 value value NOUN issue-1100 95 17 of of ADP issue-1100 95 18 indicator indicator PROPN issue-1100 95 19 j j PROPN issue-1100 95 20 of of ADP issue-1100 95 21 bank bank PROPN issue-1100 95 22 i i PRON issue-1100 95 23 ; ; PUNCT issue-1100 95 24 xij xij PROPN issue-1100 95 25 is be AUX issue-1100 95 26 the the DET issue-1100 95 27 actual actual ADJ issue-1100 95 28 value value NOUN issue-1100 95 29 of of ADP issue-1100 95 30 indicator indicator PROPN issue-1100 95 31 j j PROPN issue-1100 95 32 of of ADP issue-1100 95 33 bank bank PROPN issue-1100 95 34 i i PRON issue-1100 95 35 ; ; PUNCT issue-1100 95 36 xj xj PROPN issue-1100 95 37 min min PROPN issue-1100 95 38 is be AUX issue-1100 95 39 the the DET issue-1100 95 40 minimum minimum ADJ issue-1100 95 41 value value NOUN issue-1100 95 42 of of ADP issue-1100 95 43 indicator indicator PROPN issue-1100 95 44 j j PROPN issue-1100 95 45 for for ADP issue-1100 95 46 the the DET issue-1100 95 47 group group NOUN issue-1100 95 48 of of ADP issue-1100 95 49 surveyed survey VERB issue-1100 95 50 banks bank NOUN issue-1100 95 51 ; ; PUNCT issue-1100 95 52 xj xj PROPN issue-1100 95 53 max max PROPN issue-1100 95 54 is be AUX issue-1100 95 55 the the DET issue-1100 95 56 maximum maximum ADJ issue-1100 95 57 value value NOUN issue-1100 95 58 of of ADP issue-1100 95 59 indicator indicator PROPN issue-1100 95 60 j j PROPN issue-1100 95 61 for for ADP issue-1100 95 62 the the DET issue-1100 95 63 group group NOUN issue-1100 95 64 of of ADP issue-1100 95 65 surveyed survey VERB issue-1100 95 66 banks bank NOUN issue-1100 95 67 ; ; PUNCT issue-1100 95 68 – – PUNCT issue-1100 95 69 integration integration NOUN issue-1100 95 70 of of ADP issue-1100 95 71 the the DET issue-1100 95 72 normalized normalize VERB issue-1100 95 73 indicators indicator NOUN issue-1100 95 74 into into ADP issue-1100 95 75 a a DET issue-1100 95 76 complex complex ADJ issue-1100 95 77 indicator indicator NOUN issue-1100 95 78 reflecting reflect VERB issue-1100 95 79 the the DET issue-1100 95 80 competitive competitive ADJ issue-1100 95 81 capacity capacity NOUN issue-1100 95 82 of of ADP issue-1100 95 83 each each DET issue-1100 95 84 bank bank NOUN issue-1100 95 85 by by ADP issue-1100 95 86 three three NUM issue-1100 95 87 groups group NOUN issue-1100 95 88 with with ADP issue-1100 95 89 the the DET issue-1100 95 90 help help NOUN issue-1100 95 91 of of ADP issue-1100 95 92 the the DET issue-1100 95 93 arithmetic arithmetic ADJ issue-1100 95 94 mean mean NOUN issue-1100 95 95 method method NOUN issue-1100 95 96 . . PUNCT issue-1100 96 1 this this DET issue-1100 96 2 intermediate intermediate ADJ issue-1100 96 3 stage stage NOUN issue-1100 96 4 will will AUX issue-1100 96 5 reveal reveal VERB issue-1100 96 6 the the DET issue-1100 96 7 aspect aspect NOUN issue-1100 96 8 in in ADP issue-1100 96 9 which which PRON issue-1100 96 10 a a DET issue-1100 96 11 single single ADJ issue-1100 96 12 bank bank NOUN issue-1100 96 13 holds hold VERB issue-1100 96 14 a a DET issue-1100 96 15 leading lead VERB issue-1100 96 16 competitive competitive ADJ issue-1100 96 17 position position NOUN issue-1100 96 18 , , PUNCT issue-1100 96 19 or or CCONJ issue-1100 96 20 lags lag VERB issue-1100 96 21 behind behind ADP issue-1100 96 22 competitors competitor NOUN issue-1100 96 23 ; ; PUNCT issue-1100 96 24 – – PUNCT issue-1100 96 25 integration integration NOUN issue-1100 96 26 of of ADP issue-1100 96 27 indicators indicator NOUN issue-1100 96 28 by by ADP issue-1100 96 29 three three NUM issue-1100 96 30 groups group NOUN issue-1100 96 31 into into ADP issue-1100 96 32 a a DET issue-1100 96 33 single single ADJ issue-1100 96 34 indicator indicator NOUN issue-1100 96 35 of of ADP issue-1100 96 36 the the DET issue-1100 96 37 digital digital ADJ issue-1100 96 38 banking banking NOUN issue-1100 96 39 transformation transformation NOUN issue-1100 96 40 level level NOUN issue-1100 96 41 with with ADP issue-1100 96 42 the the DET issue-1100 96 43 help help NOUN issue-1100 96 44 of of ADP issue-1100 96 45 the the DET issue-1100 96 46 arithmetic arithmetic ADJ issue-1100 96 47 mean mean NOUN issue-1100 96 48 method method NOUN issue-1100 96 49 . . PUNCT issue-1100 97 1 it it PRON issue-1100 97 2 is be AUX issue-1100 97 3 possible possible ADJ issue-1100 97 4 to to PART issue-1100 97 5 perform perform VERB issue-1100 97 6 a a DET issue-1100 97 7 verbal verbal ADJ issue-1100 97 8 assessment assessment NOUN issue-1100 97 9 of of ADP issue-1100 97 10 the the DET issue-1100 97 11 integrated integrate VERB issue-1100 97 12 level level NOUN issue-1100 97 13 of of ADP issue-1100 97 14 digital digital ADJ issue-1100 97 15 banking banking NOUN issue-1100 97 16 transformation transformation NOUN issue-1100 97 17 according accord VERB issue-1100 97 18 to to ADP issue-1100 97 19 the the DET issue-1100 97 20 harrington harrington NOUN issue-1100 97 21 scale scale NOUN issue-1100 97 22 : : PUNCT issue-1100 97 23 0.8–1.0 0.8–1.0 PRON issue-1100 97 24 is be AUX issue-1100 97 25 a a DET issue-1100 97 26 very very ADV issue-1100 97 27 high high ADJ issue-1100 97 28 level level NOUN issue-1100 97 29 of of ADP issue-1100 97 30 digital digital ADJ issue-1100 97 31 banking banking NOUN issue-1100 97 32 transformation transformation NOUN issue-1100 97 33 ; ; PUNCT issue-1100 97 34 0.63–0.8 0.63–0.8 NUM issue-1100 97 35 is be AUX issue-1100 97 36 a a DET issue-1100 97 37 high high ADJ issue-1100 97 38 level level NOUN issue-1100 97 39 of of ADP issue-1100 97 40 digital digital ADJ issue-1100 97 41 banking banking NOUN issue-1100 97 42 transformation transformation NOUN issue-1100 97 43 ; ; PUNCT issue-1100 97 44 0.37–0.63 0.37–0.63 NUM issue-1100 97 45 is be AUX issue-1100 97 46 an an DET issue-1100 97 47 average average ADJ issue-1100 97 48 level level NOUN issue-1100 97 49 of of ADP issue-1100 97 50 digital digital ADJ issue-1100 97 51 banking banking NOUN issue-1100 97 52 transformation transformation NOUN issue-1100 97 53 ; ; PUNCT issue-1100 97 54 0.2–0.37 0.2–0.37 PROPN issue-1100 97 55 is be AUX issue-1100 97 56 a a DET issue-1100 97 57 low low ADJ issue-1100 97 58 level level NOUN issue-1100 97 59 of of ADP issue-1100 97 60 digital digital ADJ issue-1100 97 61 banking banking NOUN issue-1100 97 62 transformation transformation NOUN issue-1100 97 63 ; ; PUNCT issue-1100 97 64 0–0.2 0–0.2 NOUN issue-1100 97 65 is be AUX issue-1100 97 66 a a DET issue-1100 97 67 very very ADV issue-1100 97 68 low low ADJ issue-1100 97 69 level level NOUN issue-1100 97 70 of of ADP issue-1100 97 71 digital digital ADJ issue-1100 97 72 banking banking NOUN issue-1100 97 73 transformation transformation NOUN issue-1100 97 74 . . PUNCT issue-1100 98 1 baltic baltic PROPN issue-1100 98 2 journal journal PROPN issue-1100 98 3 of of ADP issue-1100 98 4 economic economic ADJ issue-1100 98 5 studies study NOUN issue-1100 98 6 81 81 NUM issue-1100 98 7 vol vol NOUN issue-1100 98 8 . . PROPN issue-1100 99 1 7 7 NUM issue-1100 99 2 no no NOUN issue-1100 99 3 . . NOUN issue-1100 99 4 2 2 NUM issue-1100 99 5 , , PUNCT issue-1100 99 6 2021 2021 NUM issue-1100 99 7 an an DET issue-1100 99 8 alternative alternative NOUN issue-1100 99 9 to to ADP issue-1100 99 10 assessing assess VERB issue-1100 99 11 the the DET issue-1100 99 12 integrated integrate VERB issue-1100 99 13 level level NOUN issue-1100 99 14 of of ADP issue-1100 99 15 digital digital ADJ issue-1100 99 16 transformation transformation NOUN issue-1100 99 17 is be AUX issue-1100 99 18 ranking rank VERB issue-1100 99 19 to to PART issue-1100 99 20 establish establish VERB issue-1100 99 21 the the DET issue-1100 99 22 bank bank NOUN issue-1100 99 23 ’s ’s PART issue-1100 99 24 rating rating NOUN issue-1100 99 25 among among ADP issue-1100 99 26 the the DET issue-1100 99 27 surveyed survey VERB issue-1100 99 28 ones one NOUN issue-1100 99 29 . . PUNCT issue-1100 100 1 this this DET issue-1100 100 2 systemic systemic ADJ issue-1100 100 3 approach approach NOUN issue-1100 100 4 to to ADP issue-1100 100 5 determining determine VERB issue-1100 100 6 the the DET issue-1100 100 7 level level NOUN issue-1100 100 8 of of ADP issue-1100 100 9 digital digital ADJ issue-1100 100 10 banking banking NOUN issue-1100 100 11 transformation transformation NOUN issue-1100 100 12 provides provide VERB issue-1100 100 13 a a DET issue-1100 100 14 basis basis NOUN issue-1100 100 15 for for ADP issue-1100 100 16 analysing analyse VERB issue-1100 100 17 the the DET issue-1100 100 18 competitive competitive ADJ issue-1100 100 19 position position NOUN issue-1100 100 20 and and CCONJ issue-1100 100 21 presents present VERB issue-1100 100 22 the the DET issue-1100 100 23 grounds ground NOUN issue-1100 100 24 for for ADP issue-1100 100 25 forming form VERB issue-1100 100 26 the the DET issue-1100 100 27 banking banking NOUN issue-1100 100 28 institution institution NOUN issue-1100 100 29 ’s ’s PART issue-1100 100 30 development development NOUN issue-1100 100 31 strategy strategy NOUN issue-1100 100 32 . . PUNCT issue-1100 101 1 realizing realize VERB issue-1100 101 2 the the DET issue-1100 101 3 problems problem NOUN issue-1100 101 4 and and CCONJ issue-1100 101 5 advantages advantage NOUN issue-1100 101 6 while while SCONJ issue-1100 101 7 providing provide VERB issue-1100 101 8 digital digital ADJ issue-1100 101 9 services service NOUN issue-1100 101 10 , , PUNCT issue-1100 101 11 using use VERB issue-1100 101 12 online online ADJ issue-1100 101 13 platforms platform NOUN issue-1100 101 14 and and CCONJ issue-1100 101 15 digital digital ADJ issue-1100 101 16 communication communication NOUN issue-1100 101 17 channels channel NOUN issue-1100 101 18 determines determine VERB issue-1100 101 19 the the DET issue-1100 101 20 success success NOUN issue-1100 101 21 in in ADP issue-1100 101 22 the the DET issue-1100 101 23 bank bank NOUN issue-1100 101 24 ’s ’s PART issue-1100 101 25 competitive competitive ADJ issue-1100 101 26 scenario scenario NOUN issue-1100 101 27 in in ADP issue-1100 101 28 today today NOUN issue-1100 101 29 ’s ’s PART issue-1100 101 30 rapidly rapidly ADV issue-1100 101 31 changing change VERB issue-1100 101 32 trends trend NOUN issue-1100 101 33 of of ADP issue-1100 101 34 the the DET issue-1100 101 35 financial financial ADJ issue-1100 101 36 market market NOUN issue-1100 101 37 . . PUNCT issue-1100 102 1 5 5 X issue-1100 102 2 . . X issue-1100 102 3 conclusion conclusion VERB issue-1100 102 4 digital digital ADJ issue-1100 102 5 transformation transformation NOUN issue-1100 102 6 of of ADP issue-1100 102 7 banking banking NOUN issue-1100 102 8 services service NOUN issue-1100 102 9 , , PUNCT issue-1100 102 10 the the DET issue-1100 102 11 widespread widespread ADJ issue-1100 102 12 introduction introduction NOUN issue-1100 102 13 of of ADP issue-1100 102 14 online online ADJ issue-1100 102 15 platforms platform NOUN issue-1100 102 16 and and CCONJ issue-1100 102 17 digital digital ADJ issue-1100 102 18 channels channel NOUN issue-1100 102 19 of of ADP issue-1100 102 20 communication communication NOUN issue-1100 102 21 with with ADP issue-1100 102 22 customers customer NOUN issue-1100 102 23 determine determine VERB issue-1100 102 24 the the DET issue-1100 102 25 need need NOUN issue-1100 102 26 to to PART issue-1100 102 27 develop develop VERB issue-1100 102 28 an an DET issue-1100 102 29 approach approach NOUN issue-1100 102 30 to to ADP issue-1100 102 31 assessing assess VERB issue-1100 102 32 the the DET issue-1100 102 33 digital digital ADJ issue-1100 102 34 banking banking NOUN issue-1100 102 35 transformation transformation NOUN issue-1100 102 36 level level NOUN issue-1100 102 37 , , PUNCT issue-1100 102 38 which which PRON issue-1100 102 39 would would AUX issue-1100 102 40 identify identify VERB issue-1100 102 41 the the DET issue-1100 102 42 bank bank NOUN issue-1100 102 43 ’s ’s PART issue-1100 102 44 competitive competitive ADJ issue-1100 102 45 position position NOUN issue-1100 102 46 , , PUNCT issue-1100 102 47 its its PRON issue-1100 102 48 strengths strength NOUN issue-1100 102 49 and and CCONJ issue-1100 102 50 weaknesses weakness NOUN issue-1100 102 51 in in ADP issue-1100 102 52 the the DET issue-1100 102 53 strategic strategic ADJ issue-1100 102 54 dimension dimension NOUN issue-1100 102 55 . . PUNCT issue-1100 103 1 three three NUM issue-1100 103 2 groups group NOUN issue-1100 103 3 , , PUNCT issue-1100 103 4 namely namely ADV issue-1100 103 5 , , PUNCT issue-1100 103 6 the the DET issue-1100 103 7 indicators indicator NOUN issue-1100 103 8 of of ADP issue-1100 103 9 digital digital ADJ issue-1100 103 10 banking banking NOUN issue-1100 103 11 platforms platform NOUN issue-1100 103 12 , , PUNCT issue-1100 103 13 indicators indicator NOUN issue-1100 103 14 of of ADP issue-1100 103 15 digital digital ADJ issue-1100 103 16 services service NOUN issue-1100 103 17 provided provide VERB issue-1100 103 18 by by ADP issue-1100 103 19 the the DET issue-1100 103 20 bank bank NOUN issue-1100 103 21 , , PUNCT issue-1100 103 22 and and CCONJ issue-1100 103 23 indicators indicator NOUN issue-1100 103 24 of of ADP issue-1100 103 25 digital digital ADJ issue-1100 103 26 communications communication NOUN issue-1100 103 27 with with ADP issue-1100 103 28 the the DET issue-1100 103 29 bank bank NOUN issue-1100 103 30 ’s ’s PART issue-1100 103 31 customers customer NOUN issue-1100 103 32 , , PUNCT issue-1100 103 33 are be AUX issue-1100 103 34 parts part NOUN issue-1100 103 35 of of ADP issue-1100 103 36 the the DET issue-1100 103 37 systematic systematic ADJ issue-1100 103 38 generalization generalization NOUN issue-1100 103 39 of of ADP issue-1100 103 40 the the DET issue-1100 103 41 bank bank NOUN issue-1100 103 42 ’s ’s PART issue-1100 103 43 digital digital ADJ issue-1100 103 44 transformation transformation NOUN issue-1100 103 45 indicators indicator NOUN issue-1100 103 46 forming form VERB issue-1100 103 47 the the DET issue-1100 103 48 base base NOUN issue-1100 103 49 for for ADP issue-1100 103 50 the the DET issue-1100 103 51 approach approach NOUN issue-1100 103 52 proposed propose VERB issue-1100 103 53 by by ADP issue-1100 103 54 this this DET issue-1100 103 55 article article NOUN issue-1100 103 56 . . PUNCT issue-1100 104 1 for for ADP issue-1100 104 2 each each DET issue-1100 104 3 group group NOUN issue-1100 104 4 , , PUNCT issue-1100 104 5 this this DET issue-1100 104 6 study study NOUN issue-1100 104 7 provides provide VERB issue-1100 104 8 a a DET issue-1100 104 9 flexible flexible ADJ issue-1100 104 10 set set NOUN issue-1100 104 11 of of ADP issue-1100 104 12 indicators indicator NOUN issue-1100 104 13 that that PRON issue-1100 104 14 are be AUX issue-1100 104 15 instrumental instrumental ADJ issue-1100 104 16 in in ADP issue-1100 104 17 tracking track VERB issue-1100 104 18 the the DET issue-1100 104 19 changing change VERB issue-1100 104 20 trends trend NOUN issue-1100 104 21 in in ADP issue-1100 104 22 banking banking NOUN issue-1100 104 23 digitalization digitalization NOUN issue-1100 104 24 . . PUNCT issue-1100 105 1 the the DET issue-1100 105 2 approach approach NOUN issue-1100 105 3 to to ADP issue-1100 105 4 the the DET issue-1100 105 5 mathematical mathematical ADJ issue-1100 105 6 transformation transformation NOUN issue-1100 105 7 of of ADP issue-1100 105 8 indicators indicator NOUN issue-1100 105 9 into into ADP issue-1100 105 10 a a DET issue-1100 105 11 single single ADJ issue-1100 105 12 integrated integrate VERB issue-1100 105 13 indicator indicator NOUN issue-1100 105 14 outlined outline VERB issue-1100 105 15 in in ADP issue-1100 105 16 the the DET issue-1100 105 17 work work NOUN issue-1100 105 18 offers offer VERB issue-1100 105 19 means mean NOUN issue-1100 105 20 for for ADP issue-1100 105 21 determining determine VERB issue-1100 105 22 the the DET issue-1100 105 23 level level NOUN issue-1100 105 24 of of ADP issue-1100 105 25 use use NOUN issue-1100 105 26 of of ADP issue-1100 105 27 innovative innovative ADJ issue-1100 105 28 products product NOUN issue-1100 105 29 and and CCONJ issue-1100 105 30 services service NOUN issue-1100 105 31 and and CCONJ issue-1100 105 32 helps help VERB issue-1100 105 33 substantiate substantiate VERB issue-1100 105 34 the the DET issue-1100 105 35 assessment assessment NOUN issue-1100 105 36 system system NOUN issue-1100 105 37 for for ADP issue-1100 105 38 digital digital ADJ issue-1100 105 39 banking banking NOUN issue-1100 105 40 transformation transformation NOUN issue-1100 105 41 digital digital ADJ issue-1100 105 42 banking banking NOUN issue-1100 105 43 platforms platform NOUN issue-1100 105 44 digital digital ADJ issue-1100 105 45 services service NOUN issue-1100 105 46 provided provide VERB issue-1100 105 47 by by ADP issue-1100 105 48 the the DET issue-1100 105 49 bank bank NOUN issue-1100 105 50 digital digital ADJ issue-1100 105 51 communications communication NOUN issue-1100 105 52 with with ADP issue-1100 105 53 the the DET issue-1100 105 54 bank bank NOUN issue-1100 105 55 ’s ’s PART issue-1100 105 56 customers customer NOUN issue-1100 105 57 assessment assessment NOUN issue-1100 105 58 target target PROPN issue-1100 105 59 : : PUNCT issue-1100 105 60 determining determine VERB issue-1100 105 61 the the DET issue-1100 105 62 platform platform NOUN issue-1100 105 63 popularity popularity NOUN issue-1100 105 64 among among ADP issue-1100 105 65 the the DET issue-1100 105 66 users user NOUN issue-1100 105 67 to to PART issue-1100 105 68 develop develop VERB issue-1100 105 69 appropriate appropriate ADJ issue-1100 105 70 plans plan NOUN issue-1100 105 71 aimed aim VERB issue-1100 105 72 at at ADP issue-1100 105 73 increasing increase VERB issue-1100 105 74 the the DET issue-1100 105 75 number number NOUN issue-1100 105 76 of of ADP issue-1100 105 77 consumers consumer NOUN issue-1100 105 78 and and CCONJ issue-1100 105 79 the the DET issue-1100 105 80 volume volume NOUN issue-1100 105 81 of of ADP issue-1100 105 82 the the DET issue-1100 105 83 bank bank NOUN issue-1100 105 84 ’s ’s PART issue-1100 105 85 digital digital PROPN issue-1100 105 86 services service NOUN issue-1100 105 87 assessment assessment NOUN issue-1100 105 88 target target NOUN issue-1100 105 89 : : PUNCT issue-1100 105 90 identifying identify VERB issue-1100 105 91 areas area NOUN issue-1100 105 92 of of ADP issue-1100 105 93 digital digital ADJ issue-1100 105 94 strategy strategy NOUN issue-1100 105 95 for for ADP issue-1100 105 96 the the DET issue-1100 105 97 banking banking NOUN issue-1100 105 98 development development NOUN issue-1100 105 99 in in ADP issue-1100 105 100 terms term NOUN issue-1100 105 101 of of ADP issue-1100 105 102 products product NOUN issue-1100 105 103 and and CCONJ issue-1100 105 104 services service NOUN issue-1100 105 105 , , PUNCT issue-1100 105 106 which which PRON issue-1100 105 107 might might AUX issue-1100 105 108 help help VERB issue-1100 105 109 increase increase VERB issue-1100 105 110 profitability profitability NOUN issue-1100 105 111 assessment assessment NOUN issue-1100 105 112 target target NOUN issue-1100 105 113 : : PUNCT issue-1100 105 114 determining determine VERB issue-1100 105 115 the the DET issue-1100 105 116 communication communication NOUN issue-1100 105 117 channel channel NOUN issue-1100 105 118 effectiveness effectiveness NOUN issue-1100 105 119 for for ADP issue-1100 105 120 the the DET issue-1100 105 121 development development NOUN issue-1100 105 122 of of ADP issue-1100 105 123 appropriate appropriate ADJ issue-1100 105 124 plans plan NOUN issue-1100 105 125 to to PART issue-1100 105 126 increase increase VERB issue-1100 105 127 the the DET issue-1100 105 128 consumer consumer NOUN issue-1100 105 129 number number NOUN issue-1100 105 130 and and CCONJ issue-1100 105 131 the the DET issue-1100 105 132 bank bank NOUN issue-1100 105 133 ’s ’s PART issue-1100 105 134 volume volume NOUN issue-1100 105 135 of of ADP issue-1100 105 136 digital digital ADJ issue-1100 105 137 services service NOUN issue-1100 105 138 quantitative quantitative ADJ issue-1100 105 139 static static ADJ issue-1100 105 140 indicators indicator NOUN issue-1100 105 141 of of ADP issue-1100 105 142 the the DET issue-1100 105 143 popularization popularization NOUN issue-1100 105 144 of of ADP issue-1100 105 145 digital digital ADJ issue-1100 105 146 platforms platform NOUN issue-1100 105 147 among among ADP issue-1100 105 148 the the DET issue-1100 105 149 banking banking NOUN issue-1100 105 150 service service NOUN issue-1100 105 151 consumers consumer NOUN issue-1100 105 152 and and CCONJ issue-1100 105 153 the the DET issue-1100 105 154 volume volume NOUN issue-1100 105 155 of of ADP issue-1100 105 156 transactions transaction NOUN issue-1100 105 157 through through ADP issue-1100 105 158 digital digital ADJ issue-1100 105 159 platforms platform NOUN issue-1100 105 160 quantitative quantitative ADJ issue-1100 105 161 dynamic dynamic ADJ issue-1100 105 162 indicators indicator NOUN issue-1100 105 163 of of ADP issue-1100 105 164 the the DET issue-1100 105 165 popularization popularization NOUN issue-1100 105 166 of of ADP issue-1100 105 167 digital digital ADJ issue-1100 105 168 channels channel NOUN issue-1100 105 169 among among ADP issue-1100 105 170 the the DET issue-1100 105 171 banking banking NOUN issue-1100 105 172 service service NOUN issue-1100 105 173 consumers consumer NOUN issue-1100 105 174 and and CCONJ issue-1100 105 175 the the DET issue-1100 105 176 volume volume NOUN issue-1100 105 177 of of ADP issue-1100 105 178 transactions transaction NOUN issue-1100 105 179 through through ADP issue-1100 105 180 digital digital ADJ issue-1100 105 181 platforms platform NOUN issue-1100 105 182 expert expert NOUN issue-1100 105 183 assessment assessment NOUN issue-1100 105 184 of of ADP issue-1100 105 185 the the DET issue-1100 105 186 quality quality NOUN issue-1100 105 187 and and CCONJ issue-1100 105 188 functionality functionality NOUN issue-1100 105 189 of of ADP issue-1100 105 190 online online ADJ issue-1100 105 191 platforms platform NOUN issue-1100 105 192 quantitative quantitative ADJ issue-1100 105 193 static static ADJ issue-1100 105 194 , , PUNCT issue-1100 105 195 dynamic dynamic ADJ issue-1100 105 196 , , PUNCT issue-1100 105 197 and and CCONJ issue-1100 105 198 structural structural ADJ issue-1100 105 199 indicators indicator NOUN issue-1100 105 200 of of ADP issue-1100 105 201 the the DET issue-1100 105 202 use use NOUN issue-1100 105 203 of of ADP issue-1100 105 204 digital digital ADJ issue-1100 105 205 banking banking NOUN issue-1100 105 206 transactions transaction NOUN issue-1100 105 207 classified classify VERB issue-1100 105 208 by by ADP issue-1100 105 209 : : PUNCT issue-1100 105 210 the the DET issue-1100 105 211 customer customer NOUN issue-1100 105 212 type type NOUN issue-1100 105 213 ; ; PUNCT issue-1100 105 214 the the DET issue-1100 105 215 banking banking NOUN issue-1100 105 216 service service NOUN issue-1100 105 217 content content NOUN issue-1100 105 218 ; ; PUNCT issue-1100 105 219 the the DET issue-1100 105 220 automatized automatize VERB issue-1100 105 221 details detail NOUN issue-1100 105 222 entry entry NOUN issue-1100 105 223 ; ; PUNCT issue-1100 105 224 the the DET issue-1100 105 225 payment payment NOUN issue-1100 105 226 method method NOUN issue-1100 105 227 quantitative quantitative ADJ issue-1100 105 228 static static NOUN issue-1100 105 229 , , PUNCT issue-1100 105 230 dynamic dynamic ADJ issue-1100 105 231 , , PUNCT issue-1100 105 232 and and CCONJ issue-1100 105 233 structural structural ADJ issue-1100 105 234 indicators indicator NOUN issue-1100 105 235 of of ADP issue-1100 105 236 the the DET issue-1100 105 237 use use NOUN issue-1100 105 238 of of ADP issue-1100 105 239 digital digital ADJ issue-1100 105 240 communication communication NOUN issue-1100 105 241 channels channel NOUN issue-1100 105 242 classified classify VERB issue-1100 105 243 by by ADP issue-1100 105 244 : : PUNCT issue-1100 105 245 the the DET issue-1100 105 246 number number NOUN issue-1100 105 247 of of ADP issue-1100 105 248 general general ADJ issue-1100 105 249 and and CCONJ issue-1100 105 250 individual individual ADJ issue-1100 105 251 consultations consultation NOUN issue-1100 105 252 and and CCONJ issue-1100 105 253 advice advice NOUN issue-1100 105 254 provided provide VERB issue-1100 105 255 in in ADP issue-1100 105 256 a a DET issue-1100 105 257 particular particular ADJ issue-1100 105 258 communication communication NOUN issue-1100 105 259 channel channel NOUN issue-1100 105 260 ; ; PUNCT issue-1100 105 261 the the DET issue-1100 105 262 number number NOUN issue-1100 105 263 of of ADP issue-1100 105 264 responses response NOUN issue-1100 105 265 to to ADP issue-1100 105 266 questionnaires questionnaire NOUN issue-1100 105 267 posted post VERB issue-1100 105 268 on on ADP issue-1100 105 269 a a DET issue-1100 105 270 particular particular ADJ issue-1100 105 271 communication communication NOUN issue-1100 105 272 channel channel NOUN issue-1100 105 273 ; ; PUNCT issue-1100 105 274 the the DET issue-1100 105 275 number number NOUN issue-1100 105 276 of of ADP issue-1100 105 277 subscribers subscriber NOUN issue-1100 105 278 on on ADP issue-1100 105 279 social social ADJ issue-1100 105 280 networks network NOUN issue-1100 105 281 . . PUNCT issue-1100 106 1 figure figure NOUN issue-1100 106 2 1 1 NUM issue-1100 106 3 . . NOUN issue-1100 106 4 assessment assessment NOUN issue-1100 106 5 system system NOUN issue-1100 106 6 for for ADP issue-1100 106 7 digital digital ADJ issue-1100 106 8 banking banking NOUN issue-1100 106 9 transformation transformation NOUN issue-1100 106 10 source source NOUN issue-1100 106 11 : : PUNCT issue-1100 106 12 developed develop VERB issue-1100 106 13 by by ADP issue-1100 106 14 the the DET issue-1100 106 15 authors author NOUN issue-1100 106 16 baltic baltic PROPN issue-1100 106 17 journal journal PROPN issue-1100 106 18 of of ADP issue-1100 106 19 economic economic ADJ issue-1100 106 20 studies study NOUN issue-1100 106 21 82 82 NUM issue-1100 106 22 vol vol NOUN issue-1100 106 23 . . PROPN issue-1100 107 1 7 7 NUM issue-1100 108 1 no no NOUN issue-1100 108 2 . . NOUN issue-1100 108 3 2 2 NUM issue-1100 108 4 , , PUNCT issue-1100 108 5 2021 2021 NUM issue-1100 108 6 areas area NOUN issue-1100 108 7 of of ADP issue-1100 108 8 competitiveness competitiveness NOUN issue-1100 108 9 and and CCONJ issue-1100 108 10 improve improve VERB issue-1100 108 11 the the DET issue-1100 108 12 bank bank NOUN issue-1100 108 13 ’s ’s PART issue-1100 108 14 development development NOUN issue-1100 108 15 strategy strategy NOUN issue-1100 108 16 . . PUNCT issue-1100 109 1 the the DET issue-1100 109 2 application application NOUN issue-1100 109 3 of of ADP issue-1100 109 4 the the DET issue-1100 109 5 proposed propose VERB issue-1100 109 6 approach approach NOUN issue-1100 109 7 to to ADP issue-1100 109 8 assessing assess VERB issue-1100 109 9 the the DET issue-1100 109 10 digital digital ADJ issue-1100 109 11 banking banking NOUN issue-1100 109 12 transformation transformation NOUN issue-1100 109 13 level level NOUN issue-1100 109 14 grants grant VERB issue-1100 109 15 the the DET issue-1100 109 16 following following ADJ issue-1100 109 17 advantages advantage NOUN issue-1100 109 18 : : PUNCT issue-1100 109 19 – – PUNCT issue-1100 109 20 the the DET issue-1100 109 21 proposed propose VERB issue-1100 109 22 approach approach NOUN issue-1100 109 23 represents represent VERB issue-1100 109 24 an an DET issue-1100 109 25 analytical analytical ADJ issue-1100 109 26 tool tool NOUN issue-1100 109 27 for for ADP issue-1100 109 28 monitoring monitoring NOUN issue-1100 109 29 , , PUNCT issue-1100 109 30 analysis analysis NOUN issue-1100 109 31 , , PUNCT issue-1100 109 32 and and CCONJ issue-1100 109 33 assessment assessment NOUN issue-1100 109 34 of of ADP issue-1100 109 35 trends trend NOUN issue-1100 109 36 in in ADP issue-1100 109 37 the the DET issue-1100 109 38 digital digital ADJ issue-1100 109 39 banking banking NOUN issue-1100 109 40 transformation transformation NOUN issue-1100 109 41 ; ; PUNCT issue-1100 109 42 – – PUNCT issue-1100 109 43 banking banking NOUN issue-1100 109 44 institutions institution NOUN issue-1100 109 45 will will AUX issue-1100 109 46 be be AUX issue-1100 109 47 able able ADJ issue-1100 109 48 to to PART issue-1100 109 49 realize realize VERB issue-1100 109 50 the the DET issue-1100 109 51 strengths strength NOUN issue-1100 109 52 and and CCONJ issue-1100 109 53 weaknesses weakness NOUN issue-1100 109 54 of of ADP issue-1100 109 55 the the DET issue-1100 109 56 used use VERB issue-1100 109 57 digital digital ADJ issue-1100 109 58 tools tool NOUN issue-1100 109 59 to to PART issue-1100 109 60 ensure ensure VERB issue-1100 109 61 competitiveness competitiveness NOUN issue-1100 109 62 in in ADP issue-1100 109 63 the the DET issue-1100 109 64 banking banking NOUN issue-1100 109 65 market market NOUN issue-1100 109 66 ; ; PUNCT issue-1100 109 67 – – PUNCT issue-1100 109 68 enabling enable VERB issue-1100 109 69 competitive competitive ADJ issue-1100 109 70 positioning positioning NOUN issue-1100 109 71 of of ADP issue-1100 109 72 a a DET issue-1100 109 73 single single ADJ issue-1100 109 74 bank bank NOUN issue-1100 109 75 in in ADP issue-1100 109 76 the the DET issue-1100 109 77 banking banking NOUN issue-1100 109 78 service service NOUN issue-1100 109 79 market market NOUN issue-1100 109 80 ; ; PUNCT issue-1100 109 81 – – PUNCT issue-1100 109 82 the the DET issue-1100 109 83 results result NOUN issue-1100 109 84 of of ADP issue-1100 109 85 analysis analysis NOUN issue-1100 109 86 , , PUNCT issue-1100 109 87 assessment assessment NOUN issue-1100 109 88 , , PUNCT issue-1100 109 89 and and CCONJ issue-1100 109 90 positioning positioning NOUN issue-1100 109 91 make make VERB issue-1100 109 92 it it PRON issue-1100 109 93 possible possible ADJ issue-1100 109 94 to to PART issue-1100 109 95 improve improve VERB issue-1100 109 96 the the DET issue-1100 109 97 development development NOUN issue-1100 109 98 strategy strategy NOUN issue-1100 109 99 , , PUNCT issue-1100 109 100 relevant relevant ADJ issue-1100 109 101 technologies technology NOUN issue-1100 109 102 , , PUNCT issue-1100 109 103 and and CCONJ issue-1100 109 104 tools tool NOUN issue-1100 109 105 of of ADP issue-1100 109 106 digital digital ADJ issue-1100 109 107 transformation transformation NOUN issue-1100 109 108 in in ADP issue-1100 109 109 a a DET issue-1100 109 110 banking banking NOUN issue-1100 109 111 institution institution NOUN issue-1100 109 112 . . PUNCT issue-1100 110 1 in in ADP issue-1100 110 2 terms term NOUN issue-1100 110 3 of of ADP issue-1100 110 4 the the DET issue-1100 110 5 direction direction NOUN issue-1100 110 6 for for ADP issue-1100 110 7 future future ADJ issue-1100 110 8 research research NOUN issue-1100 110 9 , , PUNCT issue-1100 110 10 it it PRON issue-1100 110 11 should should AUX issue-1100 110 12 focus focus VERB issue-1100 110 13 on on ADP issue-1100 110 14 an an DET issue-1100 110 15 approach approach NOUN issue-1100 110 16 to to ADP issue-1100 110 17 improving improve VERB issue-1100 110 18 the the DET issue-1100 110 19 process process NOUN issue-1100 110 20 of of ADP issue-1100 110 21 developing develop VERB issue-1100 110 22 the the DET issue-1100 110 23 bank bank NOUN issue-1100 110 24 ’s ’s PART issue-1100 110 25 marketing marketing NOUN issue-1100 110 26 strategy strategy NOUN issue-1100 110 27 based base VERB issue-1100 110 28 on on ADP issue-1100 110 29 digital digital ADJ issue-1100 110 30 technologies technology NOUN issue-1100 110 31 . . PUNCT issue-1100 111 1 references reference NOUN issue-1100 111 2 : : PUNCT issue-1100 111 3 ali ali PROPN issue-1100 111 4 , , PUNCT issue-1100 111 5 a. a. PROPN issue-1100 111 6 , , PUNCT issue-1100 111 7 & & CCONJ issue-1100 111 8 ali ali PROPN issue-1100 111 9 , , PUNCT issue-1100 111 10 h. h. PROPN issue-1100 111 11 ( ( PUNCT issue-1100 111 12 2014 2014 NUM issue-1100 111 13 ) ) PUNCT issue-1100 111 14 . . PUNCT issue-1100 112 1 customers customer NOUN issue-1100 112 2 ’ ’ PART issue-1100 112 3 perception perception NOUN issue-1100 112 4 of of ADP issue-1100 112 5 m m NOUN issue-1100 112 6 - - ADJ issue-1100 112 7 banking banking ADJ issue-1100 112 8 adoption adoption NOUN issue-1100 112 9 in in ADP issue-1100 112 10 kingdom kingdom NOUN issue-1100 112 11 of of ADP issue-1100 112 12 bahrain bahrain NOUN issue-1100 112 13 : : PUNCT issue-1100 112 14 an an DET issue-1100 112 15 empirical empirical ADJ issue-1100 112 16 assessment assessment NOUN issue-1100 112 17 of of ADP issue-1100 112 18 an an DET issue-1100 112 19 extended extended ADJ issue-1100 112 20 tam tam NOUN issue-1100 112 21 model model NOUN issue-1100 112 22 . . PUNCT issue-1100 113 1 international international ADJ issue-1100 113 2 journal journal NOUN issue-1100 113 3 of of ADP issue-1100 113 4 managing manage VERB issue-1100 113 5 information information NOUN issue-1100 113 6 technology technology NOUN issue-1100 113 7 , , PUNCT issue-1100 113 8 6(1 6(1 NUM issue-1100 113 9 ) ) PUNCT issue-1100 113 10 , , PUNCT issue-1100 113 11 1–13 1–13 NOUN issue-1100 113 12 . . PUNCT issue-1100 114 1 alliance alliance NOUN issue-1100 114 2 for for ADP issue-1100 114 3 financial financial ADJ issue-1100 114 4 inclusion inclusion NOUN issue-1100 114 5 ( ( PUNCT issue-1100 114 6 2019 2019 NUM issue-1100 114 7 ) ) PUNCT issue-1100 114 8 . . PUNCT issue-1100 115 1 digital digital ADJ issue-1100 115 2 financial financial ADJ issue-1100 115 3 service service NOUN issue-1100 115 4 indicators indicator NOUN issue-1100 115 5 . . PUNCT issue-1100 116 1 guideline guideline NOUN issue-1100 116 2 note note VERB issue-1100 116 3 no no INTJ issue-1100 116 4 . . PROPN issue-1100 116 5 33 33 NUM issue-1100 116 6 . . PUNCT issue-1100 117 1 available available ADJ issue-1100 117 2 at at ADP issue-1100 117 3 : : PUNCT issue-1100 117 4 https://www.afi-global.org/sites/default/files/publications/2019-07/afi_gn33_dfs_aw_digital.pdf https://www.afi-global.org/sites/default/files/publications/2019-07/afi_gn33_dfs_aw_digital.pdf PROPN issue-1100 117 5 amin amin PROPN issue-1100 117 6 , , PUNCT issue-1100 117 7 m. m. NOUN issue-1100 117 8 ( ( PUNCT issue-1100 117 9 2016 2016 NUM issue-1100 117 10 ) ) PUNCT issue-1100 117 11 . . PUNCT issue-1100 118 1 internet internet NOUN issue-1100 118 2 banking banking NOUN issue-1100 118 3 service service NOUN issue-1100 118 4 quality quality NOUN issue-1100 118 5 and and CCONJ issue-1100 118 6 its its PRON issue-1100 118 7 implication implication NOUN issue-1100 118 8 on on ADP issue-1100 118 9 e e NOUN issue-1100 118 10 - - NOUN issue-1100 118 11 customer customer NOUN issue-1100 118 12 satisfaction satisfaction NOUN issue-1100 118 13 and and CCONJ issue-1100 118 14 e e NOUN issue-1100 118 15 - - NOUN issue-1100 118 16 customer customer NOUN issue-1100 118 17 loyalty loyalty NOUN issue-1100 118 18 . . PUNCT issue-1100 119 1 international international ADJ issue-1100 119 2 journal journal PROPN issue-1100 119 3 of of ADP issue-1100 119 4 bank bank PROPN issue-1100 119 5 marketing marketing NOUN issue-1100 119 6 , , PUNCT issue-1100 119 7 34(3 34(3 NUM issue-1100 119 8 ) ) PUNCT issue-1100 119 9 , , PUNCT issue-1100 119 10 280–306 280–306 NUM issue-1100 119 11 . . PUNCT issue-1100 120 1 doi doi NOUN issue-1100 120 2 : : PUNCT issue-1100 120 3 10.1108 10.1108 NUM issue-1100 120 4 / / SYM issue-1100 120 5 ijbm-10 ijbm-10 PROPN issue-1100 120 6 - - PUNCT issue-1100 120 7 2014 2014 NUM issue-1100 120 8 - - PUNCT issue-1100 120 9 0139 0139 NUM issue-1100 120 10 bataev bataev PROPN issue-1100 120 11 , , PUNCT issue-1100 120 12 a. a. PROPN issue-1100 120 13 v. v. PROPN issue-1100 120 14 , , PUNCT issue-1100 120 15 & & CCONJ issue-1100 120 16 plotnikova plotnikova PROPN issue-1100 120 17 , , PUNCT issue-1100 120 18 e. e. PROPN issue-1100 120 19 v. v. PROPN issue-1100 120 20 ( ( PUNCT issue-1100 120 21 2019 2019 NUM issue-1100 120 22 ) ) PUNCT issue-1100 120 23 . . PUNCT issue-1100 121 1 assessment assessment NOUN issue-1100 121 2 of of ADP issue-1100 121 3 digital digital ADJ issue-1100 121 4 banks bank NOUN issue-1100 121 5 ’ ' PUNCT issue-1100 121 6 performance performance NOUN issue-1100 121 7 . . PUNCT issue-1100 122 1 espacios espacios PROPN issue-1100 122 2 , , PUNCT issue-1100 122 3 40(20 40(20 NUM issue-1100 122 4 ) ) PUNCT issue-1100 122 5 , , PUNCT issue-1100 122 6 24 24 NUM issue-1100 122 7 . . PUNCT issue-1100 122 8 deloitte deloitte PROPN issue-1100 122 9 ( ( PUNCT issue-1100 122 10 2020 2020 NUM issue-1100 122 11 ) ) PUNCT issue-1100 122 12 . . PUNCT issue-1100 123 1 digital digital ADJ issue-1100 123 2 banking banking NOUN issue-1100 123 3 maturity maturity NOUN issue-1100 123 4 2020 2020 NUM issue-1100 123 5 . . PUNCT issue-1100 123 6 available available ADJ issue-1100 123 7 at at ADP issue-1100 123 8 : : PUNCT issue-1100 123 9 https://www2.deloitte.com/content/dam/deloitte/ https://www2.deloitte.com/content/dam/deloitte/ ADV issue-1100 123 10 ce ce PROPN issue-1100 123 11 / / SYM issue-1100 123 12 documents document NOUN issue-1100 123 13 / / SYM issue-1100 123 14 financial financial ADJ issue-1100 123 15 - - PUNCT issue-1100 123 16 services service NOUN issue-1100 123 17 / / SYM issue-1100 123 18 ce ce PROPN issue-1100 123 19 - - ADJ issue-1100 123 20 digital digital ADJ issue-1100 123 21 - - PUNCT issue-1100 123 22 banking banking NOUN issue-1100 123 23 - - PUNCT issue-1100 123 24 maturity-2020.pdf maturity-2020.pdf PROPN issue-1100 123 25 dootson dootson PROPN issue-1100 123 26 , , PUNCT issue-1100 123 27 p. p. NOUN issue-1100 123 28 , , PUNCT issue-1100 123 29 beatson beatson PROPN issue-1100 123 30 a. a. PROPN issue-1100 123 31 , , PUNCT issue-1100 123 32 & & CCONJ issue-1100 123 33 drennan drennan PROPN issue-1100 123 34 , , PUNCT issue-1100 123 35 j. j. PROPN issue-1100 123 36 ( ( PUNCT issue-1100 123 37 2016 2016 NUM issue-1100 123 38 ) ) PUNCT issue-1100 123 39 . . PUNCT issue-1100 124 1 financial financial ADJ issue-1100 124 2 institutions institution NOUN issue-1100 124 3 using use VERB issue-1100 124 4 social social ADJ issue-1100 124 5 media medium NOUN issue-1100 124 6 – – PUNCT issue-1100 124 7 do do VERB issue-1100 124 8 consumers consumer NOUN issue-1100 124 9 perceive perceive ADJ issue-1100 124 10 value value NOUN issue-1100 124 11 ? ? PUNCT issue-1100 125 1 international international ADJ issue-1100 125 2 journal journal NOUN issue-1100 125 3 of of ADP issue-1100 125 4 bank bank PROPN issue-1100 125 5 marketing marketing NOUN issue-1100 125 6 , , PUNCT issue-1100 125 7 34(1 34(1 NUM issue-1100 125 8 ) ) PUNCT issue-1100 125 9 , , PUNCT issue-1100 125 10 9–36 9–36 NUM issue-1100 125 11 . . PUNCT issue-1100 126 1 jun jun PROPN issue-1100 126 2 , , PUNCT issue-1100 126 3 m. m. NOUN issue-1100 126 4 , , PUNCT issue-1100 126 5 & & CCONJ issue-1100 126 6 palacios palacio NOUN issue-1100 126 7 , , PUNCT issue-1100 126 8 s. s. PROPN issue-1100 126 9 ( ( PUNCT issue-1100 126 10 2016 2016 NUM issue-1100 126 11 ) ) PUNCT issue-1100 126 12 . . PUNCT issue-1100 127 1 examining examine VERB issue-1100 127 2 the the DET issue-1100 127 3 key key ADJ issue-1100 127 4 dimensions dimension NOUN issue-1100 127 5 of of ADP issue-1100 127 6 mobile mobile ADJ issue-1100 127 7 banking banking NOUN issue-1100 127 8 service service NOUN issue-1100 127 9 quality quality NOUN issue-1100 127 10 : : PUNCT issue-1100 127 11 an an DET issue-1100 127 12 exploratory exploratory ADJ issue-1100 127 13 study study NOUN issue-1100 127 14 . . PUNCT issue-1100 128 1 international international ADJ issue-1100 128 2 journal journal PROPN issue-1100 128 3 of of ADP issue-1100 128 4 bank bank PROPN issue-1100 128 5 marketing marketing NOUN issue-1100 128 6 , , PUNCT issue-1100 128 7 34(3 34(3 NUM issue-1100 128 8 ) ) PUNCT issue-1100 128 9 , , PUNCT issue-1100 128 10 307–326 307–326 NUM issue-1100 128 11 . . PUNCT issue-1100 129 1 martins martin NOUN issue-1100 129 2 , , PUNCT issue-1100 129 3 c. c. PROPN issue-1100 129 4 , , PUNCT issue-1100 129 5 oliveira oliveira PROPN issue-1100 129 6 , , PUNCT issue-1100 129 7 t. t. PROPN issue-1100 129 8 , , PUNCT issue-1100 129 9 & & CCONJ issue-1100 129 10 popovic popovic PROPN issue-1100 129 11 , , PUNCT issue-1100 129 12 a. a. NOUN issue-1100 129 13 ( ( PUNCT issue-1100 129 14 2014 2014 NUM issue-1100 129 15 ) ) PUNCT issue-1100 129 16 . . PUNCT issue-1100 130 1 understanding understand VERB issue-1100 130 2 the the DET issue-1100 130 3 internet internet NOUN issue-1100 130 4 banking banking NOUN issue-1100 130 5 adoption adoption NOUN issue-1100 130 6 : : PUNCT issue-1100 130 7 a a DET issue-1100 130 8 unified unified ADJ issue-1100 130 9 theory theory NOUN issue-1100 130 10 of of ADP issue-1100 130 11 acceptance acceptance NOUN issue-1100 130 12 and and CCONJ issue-1100 130 13 use use NOUN issue-1100 130 14 of of ADP issue-1100 130 15 technology technology NOUN issue-1100 130 16 and and CCONJ issue-1100 130 17 perceived perceive VERB issue-1100 130 18 risk risk NOUN issue-1100 130 19 application application NOUN issue-1100 130 20 . . PUNCT issue-1100 131 1 international international ADJ issue-1100 131 2 journal journal PROPN issue-1100 131 3 of of ADP issue-1100 131 4 information information NOUN issue-1100 131 5 management management NOUN issue-1100 131 6 , , PUNCT issue-1100 131 7 34(1 34(1 NUM issue-1100 131 8 ) ) PUNCT issue-1100 131 9 , , PUNCT issue-1100 131 10 1–13 1–13 NOUN issue-1100 131 11 . . PUNCT issue-1100 132 1 mbama mbama PROPN issue-1100 132 2 , , PUNCT issue-1100 132 3 c. c. PROPN issue-1100 132 4 ( ( PUNCT issue-1100 132 5 2018 2018 NUM issue-1100 132 6 ) ) PUNCT issue-1100 132 7 . . PUNCT issue-1100 133 1 digital digital ADJ issue-1100 133 2 banking banking NOUN issue-1100 133 3 , , PUNCT issue-1100 133 4 customer customer NOUN issue-1100 133 5 experience experience NOUN issue-1100 133 6 and and CCONJ issue-1100 133 7 bank bank NOUN issue-1100 133 8 financial financial ADJ issue-1100 133 9 performance performance NOUN issue-1100 133 10 : : PUNCT issue-1100 133 11 uk uk PROPN issue-1100 133 12 customers customer NOUN issue-1100 133 13 ’ ’ PART issue-1100 133 14 perceptions perception NOUN issue-1100 133 15 . . PUNCT issue-1100 134 1 international international ADJ issue-1100 134 2 journal journal PROPN issue-1100 134 3 of of ADP issue-1100 134 4 bank bank PROPN issue-1100 134 5 marketing marketing NOUN issue-1100 134 6 , , PUNCT issue-1100 134 7 36(2 36(2 NUM issue-1100 134 8 ) ) PUNCT issue-1100 134 9 , , PUNCT issue-1100 134 10 230–255 230–255 NUM issue-1100 134 11 . . PUNCT issue-1100 134 12 moneythor moneythor NOUN issue-1100 134 13 ( ( PUNCT issue-1100 134 14 2018 2018 NUM issue-1100 134 15 ) ) PUNCT issue-1100 134 16 . . PUNCT issue-1100 135 1 digital digital ADJ issue-1100 135 2 banking banking NOUN issue-1100 135 3 engagement engagement NOUN issue-1100 135 4 : : PUNCT issue-1100 135 5 where where SCONJ issue-1100 135 6 are be AUX issue-1100 135 7 the the DET issue-1100 135 8 metrics metric NOUN issue-1100 135 9 ? ? PUNCT issue-1100 135 10 available available ADJ issue-1100 135 11 at at ADP issue-1100 135 12 : : PUNCT issue-1100 135 13 https://www.finextra.com/ https://www.finextra.com/ ADJ issue-1100 135 14 blogposting/15949 blogposting/15949 PROPN issue-1100 135 15 / / SYM issue-1100 135 16 digital digital ADJ issue-1100 135 17 - - PUNCT issue-1100 135 18 banking banking NOUN issue-1100 135 19 - - PUNCT issue-1100 135 20 engagement engagement NOUN issue-1100 135 21 - - PUNCT issue-1100 135 22 where where ADV issue-1100 135 23 - - PUNCT issue-1100 135 24 are be AUX issue-1100 135 25 - - PUNCT issue-1100 135 26 the the DET issue-1100 135 27 - - PUNCT issue-1100 135 28 metrics metric NOUN issue-1100 135 29 ovidiu ovidiu NOUN issue-1100 135 30 , , PUNCT issue-1100 135 31 s. s. PROPN issue-1100 135 32 , , PUNCT issue-1100 135 33 & & CCONJ issue-1100 135 34 alina alina PROPN issue-1100 135 35 , , PUNCT issue-1100 135 36 s. s. PROPN issue-1100 135 37 ( ( PUNCT issue-1100 135 38 2015 2015 NUM issue-1100 135 39 ) ) PUNCT issue-1100 135 40 . . PUNCT issue-1100 136 1 the the DET issue-1100 136 2 impact impact NOUN issue-1100 136 3 of of ADP issue-1100 136 4 internet internet NOUN issue-1100 136 5 banking banking NOUN issue-1100 136 6 on on ADP issue-1100 136 7 the the DET issue-1100 136 8 performance performance NOUN issue-1100 136 9 of of ADP issue-1100 136 10 romanian romanian ADJ issue-1100 136 11 banks bank NOUN issue-1100 136 12 : : PUNCT issue-1100 136 13 dea dea NOUN issue-1100 136 14 and and CCONJ issue-1100 136 15 pca pca PROPN issue-1100 136 16 approach approach NOUN issue-1100 136 17 . . PUNCT issue-1100 137 1 procedia procedia ADJ issue-1100 137 2 economics economic NOUN issue-1100 137 3 and and CCONJ issue-1100 137 4 finance finance NOUN issue-1100 137 5 , , PUNCT issue-1100 137 6 20 20 NUM issue-1100 137 7 , , PUNCT issue-1100 137 8 610–622 610–622 NUM issue-1100 137 9 . . PUNCT issue-1100 138 1 plotnikova plotnikova PROPN issue-1100 138 2 , , PUNCT issue-1100 138 3 e. e. PROPN issue-1100 138 4 , , PUNCT issue-1100 138 5 & & CCONJ issue-1100 138 6 kudryavtseva kudryavtseva PROPN issue-1100 138 7 , , PUNCT issue-1100 138 8 t. t. PROPN issue-1100 138 9 ( ( PUNCT issue-1100 138 10 2020 2020 NUM issue-1100 138 11 ) ) PUNCT issue-1100 138 12 . . PUNCT issue-1100 139 1 factors factor NOUN issue-1100 139 2 influencing influence VERB issue-1100 139 3 digital digital ADJ issue-1100 139 4 bank bank NOUN issue-1100 139 5 performance performance NOUN issue-1100 139 6 . . PUNCT issue-1100 140 1 digital digital ADJ issue-1100 140 2 science science NOUN issue-1100 140 3 2019 2019 NUM issue-1100 140 4 , , PUNCT issue-1100 140 5 325–333 325–333 NUM issue-1100 140 6 . . PUNCT issue-1100 141 1 doi doi NOUN issue-1100 141 2 : : PUNCT issue-1100 141 3 10.1007/978 10.1007/978 NUM issue-1100 141 4 - - SYM issue-1100 141 5 3 3 NUM issue-1100 141 6 - - PUNCT issue-1100 141 7 030 030 NUM issue-1100 141 8 - - PUNCT issue-1100 141 9 37737 37737 NUM issue-1100 141 10 - - SYM issue-1100 141 11 3_29 3_29 NUM issue-1100 141 12 qun qun PROPN issue-1100 141 13 , , PUNCT issue-1100 141 14 zh zh PROPN issue-1100 141 15 . . PROPN issue-1100 141 16 , , PUNCT issue-1100 141 17 tsai tsai PROPN issue-1100 141 18 , , PUNCT issue-1100 141 19 p.-h p.-h PROPN issue-1100 141 20 . . PUNCT issue-1100 141 21 , , PUNCT issue-1100 141 22 & & CCONJ issue-1100 141 23 wang wang PROPN issue-1100 141 24 , , PUNCT issue-1100 141 25 j.-l j.-l PROPN issue-1100 141 26 . . PUNCT issue-1100 142 1 ( ( PUNCT issue-1100 142 2 2019 2019 NUM issue-1100 142 3 ) ) PUNCT issue-1100 142 4 . . PUNCT issue-1100 143 1 improving improve VERB issue-1100 143 2 financial financial ADJ issue-1100 143 3 service service NOUN issue-1100 143 4 innovation innovation NOUN issue-1100 143 5 strategies strategy NOUN issue-1100 143 6 for for ADP issue-1100 143 7 enhancing enhance VERB issue-1100 143 8 china china PROPN issue-1100 143 9 ’s ’s PART issue-1100 143 10 banking banking NOUN issue-1100 143 11 industry industry NOUN issue-1100 143 12 competitive competitive ADJ issue-1100 143 13 advantage advantage NOUN issue-1100 143 14 during during ADP issue-1100 143 15 the the DET issue-1100 143 16 fintech fintech NOUN issue-1100 143 17 revolution revolution NOUN issue-1100 143 18 : : PUNCT issue-1100 143 19 a a DET issue-1100 143 20 hybrid hybrid ADJ issue-1100 143 21 mcdm mcdm ADJ issue-1100 143 22 model model NOUN issue-1100 143 23 . . PUNCT issue-1100 144 1 sustainability sustainability NOUN issue-1100 144 2 , , PUNCT issue-1100 144 3 11 11 NUM issue-1100 144 4 , , PUNCT issue-1100 144 5 1419 1419 NUM issue-1100 144 6 . . PUNCT issue-1100 145 1 doi doi NOUN issue-1100 145 2 : : PUNCT issue-1100 145 3 10.3390 10.3390 NUM issue-1100 145 4 / / SYM issue-1100 145 5 su11051419 su11051419 PROPN issue-1100 145 6 raza raza PROPN issue-1100 145 7 , , PUNCT issue-1100 145 8 s. s. PROPN issue-1100 145 9 a. a. PROPN issue-1100 145 10 , , PUNCT issue-1100 145 11 jawaid jawaid PROPN issue-1100 145 12 , , PUNCT issue-1100 145 13 s. s. PROPN issue-1100 145 14 t. t. PROPN issue-1100 145 15 , , PUNCT issue-1100 145 16 hassan hassan PROPN issue-1100 145 17 , , PUNCT issue-1100 145 18 a. a. PROPN issue-1100 145 19 , , PUNCT issue-1100 145 20 & & CCONJ issue-1100 145 21 burton burton PROPN issue-1100 145 22 , , PUNCT issue-1100 145 23 b. b. PROPN issue-1100 145 24 ( ( PUNCT issue-1100 145 25 2015 2015 NUM issue-1100 145 26 ) ) PUNCT issue-1100 145 27 . . PUNCT issue-1100 146 1 internet internet NOUN issue-1100 146 2 banking banking NOUN issue-1100 146 3 and and CCONJ issue-1100 146 4 customer customer NOUN issue-1100 146 5 satisfaction satisfaction NOUN issue-1100 146 6 in in ADP issue-1100 146 7 pakistan pakistan PROPN issue-1100 146 8 . . PUNCT issue-1100 147 1 qualitative qualitative ADJ issue-1100 147 2 research research NOUN issue-1100 147 3 in in ADP issue-1100 147 4 financial financial ADJ issue-1100 147 5 markets market NOUN issue-1100 147 6 , , PUNCT issue-1100 147 7 7(1 7(1 NUM issue-1100 147 8 ) ) PUNCT issue-1100 147 9 , , PUNCT issue-1100 147 10 24–36 24–36 NUM issue-1100 147 11 . . PUNCT issue-1100 147 12 silva silva PROPN issue-1100 147 13 bidarra bidarra PROPN issue-1100 147 14 , , PUNCT issue-1100 148 1 s. s. PROPN issue-1100 148 2 н н PROPN issue-1100 148 3 . . PROPN issue-1100 148 4 , , PUNCT issue-1100 148 5 henrique henrique PROPN issue-1100 148 6 , , PUNCT issue-1100 148 7 s. s. PROPN issue-1100 148 8 , , PUNCT issue-1100 148 9 muñoz muñoz PROPN issue-1100 148 10 - - PUNCT issue-1100 148 11 leiva leiva PROPN issue-1100 148 12 , , PUNCT issue-1100 148 13 f. f. PROPN issue-1100 148 14 , , PUNCT issue-1100 148 15 & & CCONJ issue-1100 148 16 liébana liébana PROPN issue-1100 148 17 - - PUNCT issue-1100 148 18 cabanillas cabanilla NOUN issue-1100 148 19 , , PUNCT issue-1100 148 20 f. f. PROPN issue-1100 148 21 ( ( PUNCT issue-1100 148 22 2013 2013 NUM issue-1100 148 23 ) ) PUNCT issue-1100 148 24 . . PUNCT issue-1100 149 1 analysis analysis NOUN issue-1100 149 2 and and CCONJ issue-1100 149 3 modeling modeling NOUN issue-1100 149 4 of of ADP issue-1100 149 5 the the DET issue-1100 149 6 determinants determinant NOUN issue-1100 149 7 of of ADP issue-1100 149 8 mobile mobile ADJ issue-1100 149 9 banking banking NOUN issue-1100 149 10 acceptance acceptance NOUN issue-1100 149 11 . . PUNCT issue-1100 150 1 the the DET issue-1100 150 2 international international ADJ issue-1100 150 3 journal journal NOUN issue-1100 150 4 of of ADP issue-1100 150 5 management management NOUN issue-1100 150 6 science science NOUN issue-1100 150 7 and and CCONJ issue-1100 150 8 information information NOUN issue-1100 150 9 technology technology NOUN issue-1100 150 10 ( ( PUNCT issue-1100 150 11 ijmsit ijmsit NOUN issue-1100 150 12 ) ) PUNCT issue-1100 150 13 , , PUNCT issue-1100 150 14 naisit naisit NOUN issue-1100 150 15 publishers publisher NOUN issue-1100 150 16 , , PUNCT issue-1100 150 17 toronto toronto PROPN issue-1100 150 18 , , PUNCT issue-1100 150 19 8 8 NUM issue-1100 150 20 ( ( PUNCT issue-1100 150 21 apr apr NOUN issue-1100 150 22 - - PUNCT issue-1100 150 23 jun jun PROPN issue-1100 150 24 ) ) PUNCT issue-1100 150 25 , , PUNCT issue-1100 150 26 1–27 1–27 PROPN issue-1100 150 27 . . PUNCT issue-1100 150 28 wheelock wheelock PROPN issue-1100 150 29 , , PUNCT issue-1100 150 30 d. d. PROPN issue-1100 150 31 c. c. PROPN issue-1100 150 32 , , PUNCT issue-1100 150 33 & & CCONJ issue-1100 150 34 wilson wilson PROPN issue-1100 150 35 , , PUNCT issue-1100 150 36 p. p. PROPN issue-1100 150 37 w. w. PROPN issue-1100 150 38 ( ( PUNCT issue-1100 150 39 2017 2017 NUM issue-1100 150 40 ) ) PUNCT issue-1100 150 41 . . PUNCT issue-1100 151 1 the the DET issue-1100 151 2 evolution evolution NOUN issue-1100 151 3 of of ADP issue-1100 151 4 scale scale NOUN issue-1100 151 5 economies economy NOUN issue-1100 151 6 in in ADP issue-1100 151 7 us us PROPN issue-1100 151 8 banking banking NOUN issue-1100 151 9 . . PUNCT issue-1100 152 1 journal journal PROPN issue-1100 152 2 of of ADP issue-1100 152 3 applied applied ADJ issue-1100 152 4 econometrics econometric NOUN issue-1100 152 5 , , PUNCT issue-1100 152 6 33 33 NUM issue-1100 152 7 , , PUNCT issue-1100 152 8 16–28 16–28 NUM issue-1100 152 9 . . PUNCT