id	sid	tid	token	lemma	pos
issue-1112	1	1	baltic	baltic	PROPN
issue-1112	1	2	journal	journal	PROPN
issue-1112	1	3	of	of	ADP
issue-1112	1	4	economic	economic	ADJ
issue-1112	1	5	studies	study	NOUN
issue-1112	1	6	188	188	NUM
issue-1112	1	7	vol	vol	NOUN
issue-1112	1	8	.	.	PROPN
issue-1112	1	9	7	7	NUM
issue-1112	1	10	no	no	NOUN
issue-1112	1	11	.	.	NOUN
issue-1112	1	12	2	2	NUM
issue-1112	1	13	,	,	PUNCT
issue-1112	1	14	2021	2021	NUM
issue-1112	1	15	corresponding	correspond	VERB
issue-1112	1	16	author	author	NOUN
issue-1112	1	17	:	:	PUNCT
issue-1112	1	18	1	1	NUM
issue-1112	1	19	chernihiv	chernihiv	PROPN
issue-1112	1	20	polytechnic	polytechnic	ADJ
issue-1112	1	21	national	national	ADJ
issue-1112	1	22	university	university	PROPN
issue-1112	1	23	,	,	PUNCT
issue-1112	1	24	ukraine	ukraine	NOUN
issue-1112	1	25	.	.	PUNCT
issue-1112	2	1	e	e	X
issue-1112	2	2	-	-	NOUN
issue-1112	2	3	mail	mail	NOUN
issue-1112	2	4	:	:	PUNCT
issue-1112	2	5	popelo.olha@gmail.com	popelo.olha@gmail.com	X
issue-1112	2	6	orcid	orcid	NOUN
issue-1112	2	7	:	:	PUNCT
issue-1112	2	8	https://orcid.org/0000-0002-4581-5129	https://orcid.org/0000-0002-4581-5129	PROPN
issue-1112	2	9	researcherid	researcherid	VERB
issue-1112	2	10	:	:	PUNCT
issue-1112	2	11	i-8572	i-8572	NUM
issue-1112	2	12	-	-	PUNCT
issue-1112	2	13	2016	2016	NUM
issue-1112	2	14	2	2	NUM
issue-1112	2	15	chernihiv	chernihiv	NOUN
issue-1112	2	16	polytechnic	polytechnic	ADJ
issue-1112	2	17	national	national	ADJ
issue-1112	2	18	university	university	PROPN
issue-1112	2	19	,	,	PUNCT
issue-1112	2	20	ukraine	ukraine	NOUN
issue-1112	2	21	.	.	PUNCT
issue-1112	3	1	e	e	X
issue-1112	3	2	-	-	NOUN
issue-1112	3	3	mail	mail	NOUN
issue-1112	3	4	:	:	PUNCT
issue-1112	3	5	maksim-32@ukr.net	maksim-32@ukr.net	X
issue-1112	3	6	orcid	orcid	NOUN
issue-1112	3	7	:	:	PUNCT
issue-1112	3	8	https://orcid.org/0000-0002-5305-7815	https://orcid.org/0000-0002-5305-7815	NOUN
issue-1112	3	9	researcherid	researcherid	NOUN
issue-1112	3	10	:	:	PUNCT
issue-1112	3	11	f-3291	f-3291	PROPN
issue-1112	3	12	-	-	SYM
issue-1112	3	13	2014	2014	NUM
issue-1112	3	14	3	3	NUM
issue-1112	3	15	chernihiv	chernihiv	PROPN
issue-1112	3	16	polytechnic	polytechnic	ADJ
issue-1112	3	17	national	national	ADJ
issue-1112	3	18	university	university	PROPN
issue-1112	3	19	,	,	PUNCT
issue-1112	3	20	ukraine	ukraine	NOUN
issue-1112	3	21	.	.	PUNCT
issue-1112	4	1	e	e	X
issue-1112	4	2	-	-	NOUN
issue-1112	4	3	mail	mail	NOUN
issue-1112	4	4	:	:	PUNCT
issue-1112	4	5	nateco@meta.ua	nateco@meta.ua	PROPN
issue-1112	4	6	orcid	orcid	PROPN
issue-1112	4	7	:	:	PUNCT
issue-1112	4	8	https://orcid.org/0000-0003-2951-7233	https://orcid.org/0000-0003-2951-7233	NOUN
issue-1112	4	9	researcherid	researcherid	VERB
issue-1112	4	10	:	:	PUNCT
issue-1112	4	11	n-1229	n-1229	ADJ
issue-1112	4	12	-	-	PUNCT
issue-1112	4	13	2019	2019	NUM
issue-1112	4	14	doi	doi	NOUN
issue-1112	4	15	:	:	PUNCT
issue-1112	4	16	https://doi.org/10.30525/2256-0742/2021-7-2-188-199	https://doi.org/10.30525/2256-0742/2021-7-2-188-199	PROPN
issue-1112	4	17	world	world	NOUN
issue-1112	4	18	experience	experience	NOUN
issue-1112	4	19	in	in	ADP
issue-1112	4	20	the	the	DET
issue-1112	4	21	introduction	introduction	NOUN
issue-1112	4	22	of	of	ADP
issue-1112	4	23	modern	modern	ADJ
issue-1112	4	24	innovation	innovation	NOUN
issue-1112	4	25	and	and	CCONJ
issue-1112	4	26	information	information	NOUN
issue-1112	4	27	technologies	technology	NOUN
issue-1112	4	28	in	in	ADP
issue-1112	4	29	the	the	DET
issue-1112	4	30	functioning	functioning	NOUN
issue-1112	4	31	of	of	ADP
issue-1112	4	32	financial	financial	ADJ
issue-1112	4	33	institutions	institution	NOUN
issue-1112	4	34	olha	olha	NOUN
issue-1112	4	35	popelo1	popelo1	PROPN
issue-1112	4	36	,	,	PUNCT
issue-1112	4	37	maksym	maksym	ADP
issue-1112	4	38	dubyna2	dubyna2	NOUN
issue-1112	4	39	,	,	PUNCT
issue-1112	4	40	nataliia	nataliia	VERB
issue-1112	4	41	kholiavko3	kholiavko3	PROPN
issue-1112	4	42	abstract	abstract	PROPN
issue-1112	4	43	.	.	PUNCT
issue-1112	5	1	the	the	DET
issue-1112	5	2	article	article	NOUN
issue-1112	5	3	reveals	reveal	VERB
issue-1112	5	4	the	the	DET
issue-1112	5	5	essence	essence	NOUN
issue-1112	5	6	of	of	ADP
issue-1112	5	7	the	the	DET
issue-1112	5	8	concept	concept	NOUN
issue-1112	5	9	of	of	ADP
issue-1112	5	10	“	"	PUNCT
issue-1112	5	11	financial	financial	ADJ
issue-1112	5	12	innovations	innovation	NOUN
issue-1112	5	13	”	"	PUNCT
issue-1112	5	14	and	and	CCONJ
issue-1112	5	15	their	their	PRON
issue-1112	5	16	features	feature	NOUN
issue-1112	5	17	.	.	PUNCT
issue-1112	6	1	the	the	DET
issue-1112	6	2	classification	classification	NOUN
issue-1112	6	3	of	of	ADP
issue-1112	6	4	financial	financial	ADJ
issue-1112	6	5	innovations	innovation	NOUN
issue-1112	6	6	is	be	AUX
issue-1112	6	7	given	give	VERB
issue-1112	6	8	.	.	PUNCT
issue-1112	7	1	the	the	DET
issue-1112	7	2	innovative	innovative	ADJ
issue-1112	7	3	models	model	NOUN
issue-1112	7	4	of	of	ADP
issue-1112	7	5	the	the	DET
issue-1112	7	6	ukrainian	ukrainian	ADJ
issue-1112	7	7	banking	banking	NOUN
issue-1112	7	8	business	business	NOUN
issue-1112	7	9	development	development	NOUN
issue-1112	7	10	are	be	AUX
issue-1112	7	11	analysed	analyse	VERB
issue-1112	7	12	.	.	PUNCT
issue-1112	8	1	the	the	DET
issue-1112	8	2	innovative	innovative	ADJ
issue-1112	8	3	developments	development	NOUN
issue-1112	8	4	of	of	ADP
issue-1112	8	5	the	the	DET
issue-1112	8	6	world	world	NOUN
issue-1112	8	7	’s	’s	PART
issue-1112	8	8	leading	lead	VERB
issue-1112	8	9	banks	bank	NOUN
issue-1112	8	10	are	be	AUX
issue-1112	8	11	systematized	systematize	VERB
issue-1112	8	12	according	accord	VERB
issue-1112	8	13	to	to	ADP
issue-1112	8	14	the	the	DET
issue-1112	8	15	version	version	NOUN
issue-1112	8	16	of	of	ADP
issue-1112	8	17	the	the	DET
issue-1112	8	18	annual	annual	ADJ
issue-1112	8	19	competition	competition	NOUN
issue-1112	8	20	for	for	ADP
issue-1112	8	21	the	the	DET
issue-1112	8	22	bai	bai	ADJ
issue-1112	8	23	-	-	PUNCT
issue-1112	8	24	finance	finance	NOUN
issue-1112	8	25	global	global	ADJ
issue-1112	8	26	banking	banking	NOUN
issue-1112	8	27	innovation	innovation	NOUN
issue-1112	8	28	awards	award	NOUN
issue-1112	8	29	held	hold	VERB
issue-1112	8	30	in	in	ADP
issue-1112	8	31	las	las	PROPN
issue-1112	8	32	vegas	vegas	PROPN
issue-1112	8	33	.	.	PUNCT
issue-1112	9	1	the	the	DET
issue-1112	9	2	innovative	innovative	ADJ
issue-1112	9	3	and	and	CCONJ
issue-1112	9	4	information	information	NOUN
issue-1112	9	5	technologies	technology	NOUN
issue-1112	9	6	in	in	ADP
issue-1112	9	7	the	the	DET
issue-1112	9	8	work	work	NOUN
issue-1112	9	9	of	of	ADP
issue-1112	9	10	financial	financial	ADJ
issue-1112	9	11	institutions	institution	NOUN
issue-1112	9	12	in	in	ADP
issue-1112	9	13	the	the	DET
issue-1112	9	14	following	follow	VERB
issue-1112	9	15	areas	area	NOUN
issue-1112	9	16	are	be	AUX
issue-1112	9	17	analysed	analyse	VERB
issue-1112	9	18	:	:	PUNCT
issue-1112	9	19	product	product	NOUN
issue-1112	9	20	and	and	CCONJ
issue-1112	9	21	service	service	NOUN
issue-1112	9	22	financial	financial	ADJ
issue-1112	9	23	innovation	innovation	NOUN
issue-1112	9	24	,	,	PUNCT
issue-1112	9	25	channel	channel	NOUN
issue-1112	9	26	financial	financial	ADJ
issue-1112	9	27	innovation	innovation	NOUN
issue-1112	9	28	,	,	PUNCT
issue-1112	9	29	financial	financial	ADJ
issue-1112	9	30	innovation	innovation	NOUN
issue-1112	9	31	in	in	ADP
issue-1112	9	32	social	social	ADJ
issue-1112	9	33	and	and	CCONJ
issue-1112	9	34	community	community	NOUN
issue-1112	9	35	impact	impact	NOUN
issue-1112	9	36	,	,	PUNCT
issue-1112	9	37	financial	financial	ADJ
issue-1112	9	38	innovation	innovation	NOUN
issue-1112	9	39	in	in	ADP
issue-1112	9	40	internal	internal	ADJ
issue-1112	9	41	process	process	NOUN
issue-1112	9	42	improvement	improvement	NOUN
issue-1112	9	43	.	.	PUNCT
issue-1112	10	1	foreign	foreign	ADJ
issue-1112	10	2	experience	experience	NOUN
issue-1112	10	3	and	and	CCONJ
issue-1112	10	4	features	feature	NOUN
issue-1112	10	5	of	of	ADP
issue-1112	10	6	the	the	DET
issue-1112	10	7	development	development	NOUN
issue-1112	10	8	of	of	ADP
issue-1112	10	9	the	the	DET
issue-1112	10	10	newest	new	ADJ
issue-1112	10	11	innovative	innovative	ADJ
issue-1112	10	12	information	information	NOUN
issue-1112	10	13	technologies	technology	NOUN
issue-1112	10	14	in	in	ADP
issue-1112	10	15	the	the	DET
issue-1112	10	16	financial	financial	ADJ
issue-1112	10	17	services	service	NOUN
issue-1112	10	18	market	market	NOUN
issue-1112	10	19	are	be	AUX
issue-1112	10	20	analysed	analyse	VERB
issue-1112	10	21	.	.	PUNCT
issue-1112	11	1	the	the	DET
issue-1112	11	2	subject	subject	NOUN
issue-1112	11	3	of	of	ADP
issue-1112	11	4	research	research	NOUN
issue-1112	11	5	is	be	AUX
issue-1112	11	6	theoretical	theoretical	ADJ
issue-1112	11	7	and	and	CCONJ
issue-1112	11	8	applied	apply	VERB
issue-1112	11	9	aspects	aspect	NOUN
issue-1112	11	10	of	of	ADP
issue-1112	11	11	the	the	DET
issue-1112	11	12	development	development	NOUN
issue-1112	11	13	of	of	ADP
issue-1112	11	14	innovations	innovation	NOUN
issue-1112	11	15	and	and	CCONJ
issue-1112	11	16	information	information	NOUN
issue-1112	11	17	technologies	technology	NOUN
issue-1112	11	18	in	in	ADP
issue-1112	11	19	the	the	DET
issue-1112	11	20	functioning	functioning	NOUN
issue-1112	11	21	of	of	ADP
issue-1112	11	22	world	world	NOUN
issue-1112	11	23	-	-	PUNCT
issue-1112	11	24	class	class	NOUN
issue-1112	11	25	financial	financial	ADJ
issue-1112	11	26	institutions	institution	NOUN
issue-1112	11	27	.	.	PUNCT
issue-1112	12	1	the	the	DET
issue-1112	12	2	purpose	purpose	NOUN
issue-1112	12	3	of	of	ADP
issue-1112	12	4	the	the	DET
issue-1112	12	5	article	article	NOUN
issue-1112	12	6	is	be	AUX
issue-1112	12	7	to	to	PART
issue-1112	12	8	analyse	analyse	VERB
issue-1112	12	9	and	and	CCONJ
issue-1112	12	10	systematize	systematize	VERB
issue-1112	12	11	foreign	foreign	ADJ
issue-1112	12	12	experience	experience	NOUN
issue-1112	12	13	in	in	ADP
issue-1112	12	14	the	the	DET
issue-1112	12	15	development	development	NOUN
issue-1112	12	16	of	of	ADP
issue-1112	12	17	new	new	ADJ
issue-1112	12	18	innovative	innovative	ADJ
issue-1112	12	19	and	and	CCONJ
issue-1112	12	20	information	information	NOUN
issue-1112	12	21	technologies	technology	NOUN
issue-1112	12	22	in	in	ADP
issue-1112	12	23	the	the	DET
issue-1112	12	24	financial	financial	ADJ
issue-1112	12	25	services	service	NOUN
issue-1112	12	26	market	market	NOUN
issue-1112	12	27	.	.	PUNCT
issue-1112	13	1	in	in	ADP
issue-1112	13	2	the	the	DET
issue-1112	13	3	research	research	NOUN
issue-1112	13	4	,	,	PUNCT
issue-1112	13	5	the	the	DET
issue-1112	13	6	authors	author	NOUN
issue-1112	13	7	used	use	VERB
issue-1112	13	8	general	general	ADJ
issue-1112	13	9	scientific	scientific	ADJ
issue-1112	13	10	and	and	CCONJ
issue-1112	13	11	specific	specific	ADJ
issue-1112	13	12	methods	method	NOUN
issue-1112	13	13	,	,	PUNCT
issue-1112	13	14	including	include	VERB
issue-1112	13	15	:	:	PUNCT
issue-1112	13	16	historical	historical	ADJ
issue-1112	13	17	-	-	PUNCT
issue-1112	13	18	logical	logical	ADJ
issue-1112	13	19	,	,	PUNCT
issue-1112	13	20	dialectical	dialectical	ADJ
issue-1112	13	21	,	,	PUNCT
issue-1112	13	22	deductive	deductive	ADJ
issue-1112	13	23	,	,	PUNCT
issue-1112	13	24	analysis	analysis	NOUN
issue-1112	13	25	and	and	CCONJ
issue-1112	13	26	synthesis	synthesis	NOUN
issue-1112	13	27	,	,	PUNCT
issue-1112	13	28	grouping	grouping	NOUN
issue-1112	13	29	,	,	PUNCT
issue-1112	13	30	abstraction	abstraction	NOUN
issue-1112	13	31	and	and	CCONJ
issue-1112	13	32	formalization	formalization	NOUN
issue-1112	13	33	,	,	PUNCT
issue-1112	13	34	benchmarking	benchmarking	NOUN
issue-1112	13	35	,	,	PUNCT
issue-1112	13	36	generalizations	generalization	NOUN
issue-1112	13	37	and	and	CCONJ
issue-1112	13	38	systematization	systematization	NOUN
issue-1112	13	39	.	.	PUNCT
issue-1112	14	1	the	the	DET
issue-1112	14	2	article	article	NOUN
issue-1112	14	3	concludes	conclude	VERB
issue-1112	14	4	that	that	SCONJ
issue-1112	14	5	in	in	ADP
issue-1112	14	6	modern	modern	ADJ
issue-1112	14	7	rapidly	rapidly	ADV
issue-1112	14	8	evolving	evolve	VERB
issue-1112	14	9	digitalization	digitalization	NOUN
issue-1112	14	10	processes	process	NOUN
issue-1112	14	11	,	,	PUNCT
issue-1112	14	12	financial	financial	ADJ
issue-1112	14	13	innovations	innovation	NOUN
issue-1112	14	14	play	play	VERB
issue-1112	14	15	an	an	DET
issue-1112	14	16	extremely	extremely	ADV
issue-1112	14	17	important	important	ADJ
issue-1112	14	18	role	role	NOUN
issue-1112	14	19	and	and	CCONJ
issue-1112	14	20	contribute	contribute	VERB
issue-1112	14	21	to	to	ADP
issue-1112	14	22	the	the	DET
issue-1112	14	23	economic	economic	ADJ
issue-1112	14	24	development	development	NOUN
issue-1112	14	25	of	of	ADP
issue-1112	14	26	countries	country	NOUN
issue-1112	14	27	.	.	PUNCT
issue-1112	15	1	the	the	DET
issue-1112	15	2	authors	author	NOUN
issue-1112	15	3	point	point	VERB
issue-1112	15	4	out	out	ADP
issue-1112	15	5	that	that	SCONJ
issue-1112	15	6	banking	banking	NOUN
issue-1112	15	7	institutions	institution	NOUN
issue-1112	15	8	need	need	VERB
issue-1112	15	9	to	to	PART
issue-1112	15	10	focus	focus	VERB
issue-1112	15	11	their	their	PRON
issue-1112	15	12	potential	potential	NOUN
issue-1112	15	13	as	as	ADV
issue-1112	15	14	much	much	ADV
issue-1112	15	15	as	as	ADP
issue-1112	15	16	possible	possible	ADJ
issue-1112	15	17	on	on	ADP
issue-1112	15	18	identifying	identify	VERB
issue-1112	15	19	priority	priority	NOUN
issue-1112	15	20	digital	digital	ADJ
issue-1112	15	21	and	and	CCONJ
issue-1112	15	22	innovative	innovative	ADJ
issue-1112	15	23	initiatives	initiative	NOUN
issue-1112	15	24	,	,	PUNCT
issue-1112	15	25	taking	take	VERB
issue-1112	15	26	into	into	ADP
issue-1112	15	27	account	account	NOUN
issue-1112	15	28	current	current	ADJ
issue-1112	15	29	challenges	challenge	NOUN
issue-1112	15	30	and	and	CCONJ
issue-1112	15	31	threats	threat	NOUN
issue-1112	15	32	.	.	PUNCT
issue-1112	16	1	finally	finally	ADV
issue-1112	16	2	,	,	PUNCT
issue-1112	16	3	the	the	DET
issue-1112	16	4	effective	effective	ADJ
issue-1112	16	5	use	use	NOUN
issue-1112	16	6	of	of	ADP
issue-1112	16	7	specific	specific	ADJ
issue-1112	16	8	financial	financial	ADJ
issue-1112	16	9	innovations	innovation	NOUN
issue-1112	16	10	requires	require	VERB
issue-1112	16	11	in	in	ADP
issue-1112	16	12	-	-	PUNCT
issue-1112	16	13	depth	depth	NOUN
issue-1112	16	14	knowledge	knowledge	NOUN
issue-1112	16	15	of	of	ADP
issue-1112	16	16	the	the	DET
issue-1112	16	17	features	feature	NOUN
issue-1112	16	18	of	of	ADP
issue-1112	16	19	their	their	PRON
issue-1112	16	20	operation	operation	NOUN
issue-1112	16	21	and	and	CCONJ
issue-1112	16	22	careful	careful	ADJ
issue-1112	16	23	analysis	analysis	NOUN
issue-1112	16	24	of	of	ADP
issue-1112	16	25	their	their	PRON
issue-1112	16	26	consequences	consequence	NOUN
issue-1112	16	27	.	.	PUNCT
issue-1112	17	1	the	the	DET
issue-1112	17	2	authors	author	NOUN
issue-1112	17	3	recommend	recommend	VERB
issue-1112	17	4	the	the	DET
issue-1112	17	5	use	use	NOUN
issue-1112	17	6	of	of	ADP
issue-1112	17	7	a	a	DET
issue-1112	17	8	cross	cross	ADJ
issue-1112	17	9	-	-	ADJ
issue-1112	17	10	functional	functional	ADJ
issue-1112	17	11	approach	approach	NOUN
issue-1112	17	12	,	,	PUNCT
issue-1112	17	13	which	which	PRON
issue-1112	17	14	provides	provide	VERB
issue-1112	17	15	flexibility	flexibility	NOUN
issue-1112	17	16	and	and	CCONJ
issue-1112	17	17	the	the	DET
issue-1112	17	18	ability	ability	NOUN
issue-1112	17	19	to	to	PART
issue-1112	17	20	transform	transform	VERB
issue-1112	17	21	change	change	NOUN
issue-1112	17	22	over	over	ADP
issue-1112	17	23	time	time	NOUN
issue-1112	17	24	and	and	CCONJ
issue-1112	17	25	is	be	AUX
issue-1112	17	26	an	an	DET
issue-1112	17	27	important	important	ADJ
issue-1112	17	28	element	element	NOUN
issue-1112	17	29	in	in	ADP
issue-1112	17	30	the	the	DET
issue-1112	17	31	process	process	NOUN
issue-1112	17	32	of	of	ADP
issue-1112	17	33	implementing	implement	VERB
issue-1112	17	34	financial	financial	ADJ
issue-1112	17	35	innovations	innovation	NOUN
issue-1112	17	36	.	.	PUNCT
issue-1112	18	1	taking	take	VERB
issue-1112	18	2	into	into	ADP
issue-1112	18	3	account	account	NOUN
issue-1112	18	4	the	the	DET
issue-1112	18	5	experience	experience	NOUN
issue-1112	18	6	of	of	ADP
issue-1112	18	7	leading	lead	VERB
issue-1112	18	8	banking	banking	NOUN
issue-1112	18	9	institutions	institution	NOUN
issue-1112	18	10	that	that	PRON
issue-1112	18	11	actively	actively	ADV
issue-1112	18	12	implement	implement	VERB
issue-1112	18	13	innovative	innovative	ADJ
issue-1112	18	14	developments	development	NOUN
issue-1112	18	15	,	,	PUNCT
issue-1112	18	16	the	the	DET
issue-1112	18	17	authors	author	NOUN
issue-1112	18	18	note	note	VERB
issue-1112	18	19	that	that	SCONJ
issue-1112	18	20	along	along	ADP
issue-1112	18	21	with	with	ADP
issue-1112	18	22	the	the	DET
issue-1112	18	23	benefits	benefit	NOUN
issue-1112	18	24	,	,	PUNCT
issue-1112	18	25	financial	financial	ADJ
issue-1112	18	26	innovations	innovation	NOUN
issue-1112	18	27	can	can	AUX
issue-1112	18	28	cause	cause	VERB
issue-1112	18	29	new	new	ADJ
issue-1112	18	30	challenges	challenge	NOUN
issue-1112	18	31	and	and	CCONJ
issue-1112	18	32	threats	threat	NOUN
issue-1112	18	33	for	for	ADP
issue-1112	18	34	all	all	DET
issue-1112	18	35	participants	participant	NOUN
issue-1112	18	36	in	in	ADP
issue-1112	18	37	this	this	DET
issue-1112	18	38	process	process	NOUN
issue-1112	18	39	.	.	PUNCT
issue-1112	19	1	researchers	researcher	NOUN
issue-1112	19	2	have	have	AUX
issue-1112	19	3	shown	show	VERB
issue-1112	19	4	that	that	SCONJ
issue-1112	19	5	radical	radical	ADJ
issue-1112	19	6	innovation	innovation	NOUN
issue-1112	19	7	can	can	AUX
issue-1112	19	8	displace	displace	VERB
issue-1112	19	9	a	a	DET
issue-1112	19	10	dominant	dominant	ADJ
issue-1112	19	11	business	business	NOUN
issue-1112	19	12	model	model	NOUN
issue-1112	19	13	or	or	CCONJ
issue-1112	19	14	technology	technology	NOUN
issue-1112	19	15	and	and	CCONJ
issue-1112	19	16	create	create	VERB
issue-1112	19	17	a	a	DET
issue-1112	19	18	new	new	ADJ
issue-1112	19	19	market	market	NOUN
issue-1112	19	20	.	.	PUNCT
issue-1112	20	1	according	accord	VERB
issue-1112	20	2	to	to	ADP
issue-1112	20	3	the	the	DET
issue-1112	20	4	results	result	NOUN
issue-1112	20	5	of	of	ADP
issue-1112	20	6	the	the	DET
issue-1112	20	7	analysis	analysis	NOUN
issue-1112	20	8	of	of	ADP
issue-1112	20	9	innovative	innovative	ADJ
issue-1112	20	10	developments	development	NOUN
issue-1112	20	11	of	of	ADP
issue-1112	20	12	banks	bank	NOUN
issue-1112	20	13	around	around	ADP
issue-1112	20	14	the	the	DET
issue-1112	20	15	world	world	NOUN
issue-1112	20	16	for	for	ADP
issue-1112	20	17	the	the	DET
issue-1112	20	18	period	period	NOUN
issue-1112	20	19	2015–2019	2015–2019	NUM
issue-1112	20	20	,	,	PUNCT
issue-1112	20	21	the	the	DET
issue-1112	20	22	authors	author	NOUN
issue-1112	20	23	found	find	VERB
issue-1112	20	24	that	that	SCONJ
issue-1112	20	25	financial	financial	ADJ
issue-1112	20	26	innovations	innovation	NOUN
issue-1112	20	27	have	have	AUX
issue-1112	20	28	changed	change	VERB
issue-1112	20	29	their	their	PRON
issue-1112	20	30	nature	nature	NOUN
issue-1112	20	31	and	and	CCONJ
issue-1112	20	32	are	be	AUX
issue-1112	20	33	based	base	VERB
issue-1112	20	34	on	on	ADP
issue-1112	20	35	the	the	DET
issue-1112	20	36	latest	late	ADJ
issue-1112	20	37	digital	digital	ADJ
issue-1112	20	38	technologies	technology	NOUN
issue-1112	20	39	.	.	PUNCT
issue-1112	21	1	key	key	ADJ
issue-1112	21	2	words	word	NOUN
issue-1112	21	3	:	:	PUNCT
issue-1112	21	4	financial	financial	ADJ
issue-1112	21	5	institutions	institution	NOUN
issue-1112	21	6	,	,	PUNCT
issue-1112	21	7	financial	financial	ADJ
issue-1112	21	8	market	market	NOUN
issue-1112	21	9	,	,	PUNCT
issue-1112	21	10	financial	financial	ADJ
issue-1112	21	11	innovations	innovation	NOUN
issue-1112	21	12	,	,	PUNCT
issue-1112	21	13	in	in	ADP
issue-1112	21	14	-	-	PUNCT
issue-1112	21	15	novation	novation	NOUN
issue-1112	21	16	,	,	PUNCT
issue-1112	21	17	information	information	NOUN
issue-1112	21	18	technologies	technology	NOUN
issue-1112	21	19	,	,	PUNCT
issue-1112	21	20	fintech	fintech	NOUN
issue-1112	21	21	,	,	PUNCT
issue-1112	21	22	digital	digital	ADJ
issue-1112	21	23	technologies	technology	NOUN
issue-1112	21	24	,	,	PUNCT
issue-1112	21	25	bank	bank	NOUN
issue-1112	21	26	,	,	PUNCT
issue-1112	21	27	credit	credit	NOUN
issue-1112	21	28	institu	institu	NOUN
issue-1112	21	29	-	-	PUNCT
issue-1112	21	30	tions	tion	NOUN
issue-1112	21	31	,	,	PUNCT
issue-1112	21	32	business	business	NOUN
issue-1112	21	33	models	model	NOUN
issue-1112	21	34	.	.	PUNCT
issue-1112	22	1	jel	jel	PROPN
issue-1112	22	2	classification	classification	NOUN
issue-1112	22	3	:	:	PUNCT
issue-1112	22	4	o31	o31	NUM
issue-1112	22	5	,	,	PUNCT
issue-1112	22	6	g21	g21	PROPN
issue-1112	22	7	baltic	baltic	PROPN
issue-1112	22	8	journal	journal	PROPN
issue-1112	22	9	of	of	ADP
issue-1112	22	10	economic	economic	ADJ
issue-1112	22	11	studies	study	NOUN
issue-1112	22	12	189	189	NUM
issue-1112	22	13	vol	vol	NOUN
issue-1112	22	14	.	.	PROPN
issue-1112	22	15	7	7	NUM
issue-1112	23	1	no	no	NOUN
issue-1112	23	2	.	.	NOUN
issue-1112	23	3	2	2	NUM
issue-1112	23	4	,	,	PUNCT
issue-1112	23	5	2021	2021	NUM
issue-1112	23	6	1	1	NUM
issue-1112	23	7	.	.	PUNCT
issue-1112	23	8	introduction	introduction	NOUN
issue-1112	23	9	in	in	ADP
issue-1112	23	10	today	today	NOUN
issue-1112	23	11	’s	’s	PART
issue-1112	23	12	rapidly	rapidly	ADV
issue-1112	23	13	evolving	evolve	VERB
issue-1112	23	14	digitalization	digitalization	NOUN
issue-1112	23	15	processes	process	NOUN
issue-1112	23	16	,	,	PUNCT
issue-1112	23	17	traditional	traditional	ADJ
issue-1112	23	18	approaches	approach	NOUN
issue-1112	23	19	to	to	ADP
issue-1112	23	20	the	the	DET
issue-1112	23	21	provision	provision	NOUN
issue-1112	23	22	of	of	ADP
issue-1112	23	23	banking	banking	NOUN
issue-1112	23	24	services	service	NOUN
issue-1112	23	25	and	and	CCONJ
issue-1112	23	26	banking	banking	NOUN
issue-1112	23	27	business	business	NOUN
issue-1112	23	28	no	no	ADV
issue-1112	23	29	longer	long	ADV
issue-1112	23	30	meet	meet	VERB
issue-1112	23	31	the	the	DET
issue-1112	23	32	growing	grow	VERB
issue-1112	23	33	demand	demand	NOUN
issue-1112	23	34	and	and	CCONJ
issue-1112	23	35	expectations	expectation	NOUN
issue-1112	23	36	of	of	ADP
issue-1112	23	37	customers	customer	NOUN
issue-1112	23	38	,	,	PUNCT
issue-1112	23	39	do	do	AUX
issue-1112	23	40	not	not	PART
issue-1112	23	41	meet	meet	VERB
issue-1112	23	42	the	the	DET
issue-1112	23	43	requirements	requirement	NOUN
issue-1112	23	44	of	of	ADP
issue-1112	23	45	the	the	DET
issue-1112	23	46	efficiency	efficiency	NOUN
issue-1112	23	47	and	and	CCONJ
issue-1112	23	48	profitability	profitability	NOUN
issue-1112	23	49	.	.	PUNCT
issue-1112	24	1	in	in	ADP
issue-1112	24	2	the	the	DET
issue-1112	24	3	context	context	NOUN
issue-1112	24	4	of	of	ADP
issue-1112	24	5	digitalization	digitalization	NOUN
issue-1112	24	6	and	and	CCONJ
issue-1112	24	7	active	active	ADJ
issue-1112	24	8	implementation	implementation	NOUN
issue-1112	24	9	of	of	ADP
issue-1112	24	10	financial	financial	ADJ
issue-1112	24	11	innovations	innovation	NOUN
issue-1112	24	12	,	,	PUNCT
issue-1112	24	13	it	it	PRON
issue-1112	24	14	is	be	AUX
issue-1112	24	15	necessary	necessary	ADJ
issue-1112	24	16	to	to	PART
issue-1112	24	17	constantly	constantly	ADV
issue-1112	24	18	look	look	VERB
issue-1112	24	19	for	for	ADP
issue-1112	24	20	advanced	advanced	ADJ
issue-1112	24	21	solutions	solution	NOUN
issue-1112	24	22	and	and	CCONJ
issue-1112	24	23	work	work	NOUN
issue-1112	24	24	on	on	ADP
issue-1112	24	25	developing	develop	VERB
issue-1112	24	26	new	new	ADJ
issue-1112	24	27	business	business	NOUN
issue-1112	24	28	models	model	NOUN
issue-1112	24	29	that	that	PRON
issue-1112	24	30	will	will	AUX
issue-1112	24	31	best	well	ADV
issue-1112	24	32	meet	meet	VERB
issue-1112	24	33	the	the	DET
issue-1112	24	34	changing	change	VERB
issue-1112	24	35	needs	need	NOUN
issue-1112	24	36	of	of	ADP
issue-1112	24	37	customers	customer	NOUN
issue-1112	24	38	.	.	PUNCT
issue-1112	25	1	growing	grow	VERB
issue-1112	25	2	competition	competition	NOUN
issue-1112	25	3	both	both	CCONJ
issue-1112	25	4	from	from	ADP
issue-1112	25	5	financial	financial	ADJ
issue-1112	25	6	institutions	institution	NOUN
issue-1112	25	7	,	,	PUNCT
issue-1112	25	8	high	high	ADJ
issue-1112	25	9	-	-	PUNCT
issue-1112	25	10	tech	tech	NOUN
issue-1112	25	11	companies	company	NOUN
issue-1112	25	12	and	and	CCONJ
issue-1112	25	13	“	"	PUNCT
issue-1112	25	14	fintech	fintech	NOUN
issue-1112	25	15	”	"	PUNCT
issue-1112	25	16	startups	startup	NOUN
issue-1112	25	17	,	,	PUNCT
issue-1112	25	18	which	which	PRON
issue-1112	25	19	with	with	ADP
issue-1112	25	20	their	their	PRON
issue-1112	25	21	innovative	innovative	ADJ
issue-1112	25	22	solutions	solution	NOUN
issue-1112	25	23	seek	seek	VERB
issue-1112	25	24	to	to	PART
issue-1112	25	25	become	become	VERB
issue-1112	25	26	the	the	DET
issue-1112	25	27	leaders	leader	NOUN
issue-1112	25	28	in	in	ADP
issue-1112	25	29	highly	highly	ADV
issue-1112	25	30	profitable	profitable	ADJ
issue-1112	25	31	segments	segment	NOUN
issue-1112	25	32	of	of	ADP
issue-1112	25	33	the	the	DET
issue-1112	25	34	banking	banking	NOUN
issue-1112	25	35	sector	sector	NOUN
issue-1112	25	36	,	,	PUNCT
issue-1112	25	37	requires	require	VERB
issue-1112	25	38	the	the	DET
issue-1112	25	39	formation	formation	NOUN
issue-1112	25	40	of	of	ADP
issue-1112	25	41	an	an	DET
issue-1112	25	42	innovative	innovative	ADJ
issue-1112	25	43	strategy	strategy	NOUN
issue-1112	25	44	to	to	PART
issue-1112	25	45	respond	respond	VERB
issue-1112	25	46	to	to	ADP
issue-1112	25	47	the	the	DET
issue-1112	25	48	new	new	ADJ
issue-1112	25	49	trends	trend	NOUN
issue-1112	25	50	in	in	ADP
issue-1112	25	51	the	the	DET
issue-1112	25	52	economy	economy	NOUN
issue-1112	25	53	digitalization	digitalization	NOUN
issue-1112	25	54	.	.	PUNCT
issue-1112	26	1	considering	consider	VERB
issue-1112	26	2	approaches	approach	NOUN
issue-1112	26	3	to	to	ADP
issue-1112	26	4	the	the	DET
issue-1112	26	5	classification	classification	NOUN
issue-1112	26	6	of	of	ADP
issue-1112	26	7	financial	financial	ADJ
issue-1112	26	8	innovations	innovation	NOUN
issue-1112	26	9	,	,	PUNCT
issue-1112	26	10	scientists	scientist	NOUN
issue-1112	26	11	distinguish	distinguish	VERB
issue-1112	26	12	innovations	innovation	NOUN
issue-1112	26	13	by	by	ADP
issue-1112	26	14	sources	source	NOUN
issue-1112	26	15	of	of	ADP
issue-1112	26	16	origin	origin	NOUN
issue-1112	26	17	,	,	PUNCT
issue-1112	26	18	motives	motive	NOUN
issue-1112	26	19	,	,	PUNCT
issue-1112	26	20	types	type	NOUN
issue-1112	26	21	,	,	PUNCT
issue-1112	26	22	effect	effect	NOUN
issue-1112	26	23	of	of	ADP
issue-1112	26	24	application	application	NOUN
issue-1112	26	25	,	,	PUNCT
issue-1112	26	26	factors	factor	NOUN
issue-1112	26	27	influencing	influence	VERB
issue-1112	26	28	the	the	DET
issue-1112	26	29	process	process	NOUN
issue-1112	26	30	of	of	ADP
issue-1112	26	31	creation	creation	NOUN
issue-1112	26	32	and	and	CCONJ
issue-1112	26	33	implementation	implementation	NOUN
issue-1112	26	34	,	,	PUNCT
issue-1112	26	35	the	the	DET
issue-1112	26	36	moment	moment	NOUN
issue-1112	26	37	of	of	ADP
issue-1112	26	38	creation	creation	NOUN
issue-1112	26	39	,	,	PUNCT
issue-1112	26	40	elements	element	NOUN
issue-1112	26	41	of	of	ADP
issue-1112	26	42	the	the	DET
issue-1112	26	43	financial	financial	ADJ
issue-1112	26	44	system	system	NOUN
issue-1112	26	45	where	where	SCONJ
issue-1112	26	46	innovations	innovation	NOUN
issue-1112	26	47	take	take	VERB
issue-1112	26	48	place	place	NOUN
issue-1112	26	49	.	.	PUNCT
issue-1112	27	1	however	however	ADV
issue-1112	27	2	,	,	PUNCT
issue-1112	27	3	regardless	regardless	ADV
issue-1112	27	4	of	of	ADP
issue-1112	27	5	the	the	DET
issue-1112	27	6	type	type	NOUN
issue-1112	27	7	of	of	ADP
issue-1112	27	8	innovation	innovation	NOUN
issue-1112	27	9	,	,	PUNCT
issue-1112	27	10	the	the	DET
issue-1112	27	11	question	question	NOUN
issue-1112	27	12	arises	arise	VERB
issue-1112	27	13	:	:	PUNCT
issue-1112	27	14	when	when	SCONJ
issue-1112	27	15	does	do	VERB
issue-1112	27	16	a	a	DET
issue-1112	27	17	banking	banking	NOUN
issue-1112	27	18	product	product	NOUN
issue-1112	27	19	or	or	CCONJ
issue-1112	27	20	service	service	NOUN
issue-1112	27	21	acquire	acquire	VERB
issue-1112	27	22	signs	sign	NOUN
issue-1112	27	23	of	of	ADP
issue-1112	27	24	innovation	innovation	NOUN
issue-1112	27	25	and	and	CCONJ
issue-1112	27	26	cease	cease	VERB
issue-1112	27	27	to	to	PART
issue-1112	27	28	be	be	AUX
issue-1112	27	29	an	an	DET
issue-1112	27	30	innovation	innovation	NOUN
issue-1112	27	31	?	?	PUNCT
issue-1112	28	1	as	as	ADV
issue-1112	28	2	soon	soon	ADV
issue-1112	28	3	as	as	SCONJ
issue-1112	28	4	a	a	DET
issue-1112	28	5	banking	banking	NOUN
issue-1112	28	6	product	product	NOUN
issue-1112	28	7	becomes	become	VERB
issue-1112	28	8	mass	mass	ADJ
issue-1112	28	9	,	,	PUNCT
issue-1112	28	10	it	it	PRON
issue-1112	28	11	is	be	AUX
issue-1112	28	12	used	use	VERB
issue-1112	28	13	by	by	ADP
issue-1112	28	14	almost	almost	ADV
issue-1112	28	15	all	all	PRON
issue-1112	28	16	banks	bank	NOUN
issue-1112	28	17	and	and	CCONJ
issue-1112	28	18	is	be	AUX
issue-1112	28	19	available	available	ADJ
issue-1112	28	20	to	to	ADP
issue-1112	28	21	most	most	ADJ
issue-1112	28	22	of	of	ADP
issue-1112	28	23	its	its	PRON
issue-1112	28	24	consumers	consumer	NOUN
issue-1112	28	25	,	,	PUNCT
issue-1112	28	26	it	it	PRON
issue-1112	28	27	ceases	cease	VERB
issue-1112	28	28	to	to	PART
issue-1112	28	29	be	be	AUX
issue-1112	28	30	new	new	ADJ
issue-1112	28	31	and	and	CCONJ
issue-1112	28	32	becomes	become	VERB
issue-1112	28	33	traditional	traditional	ADJ
issue-1112	28	34	.	.	PUNCT
issue-1112	29	1	the	the	DET
issue-1112	29	2	banking	banking	NOUN
issue-1112	29	3	operation	operation	NOUN
issue-1112	29	4	,	,	PUNCT
issue-1112	29	5	in	in	ADP
issue-1112	29	6	contrast	contrast	NOUN
issue-1112	29	7	to	to	ADP
issue-1112	29	8	the	the	DET
issue-1112	29	9	banking	banking	NOUN
issue-1112	29	10	innovation	innovation	NOUN
issue-1112	29	11	,	,	PUNCT
issue-1112	29	12	has	have	VERB
issue-1112	29	13	a	a	DET
issue-1112	29	14	significantly	significantly	ADV
issue-1112	29	15	longer	long	ADJ
issue-1112	29	16	service	service	NOUN
issue-1112	29	17	life	life	NOUN
issue-1112	29	18	.	.	PUNCT
issue-1112	30	1	it	it	PRON
issue-1112	30	2	is	be	AUX
issue-1112	30	3	the	the	DET
issue-1112	30	4	mass	mass	ADJ
issue-1112	30	5	use	use	NOUN
issue-1112	30	6	of	of	ADP
issue-1112	30	7	a	a	DET
issue-1112	30	8	new	new	ADJ
issue-1112	30	9	product	product	NOUN
issue-1112	30	10	that	that	PRON
issue-1112	30	11	makes	make	VERB
issue-1112	30	12	it	it	PRON
issue-1112	30	13	non	non	ADJ
issue-1112	30	14	-	-	ADJ
issue-1112	30	15	innovative	innovative	ADJ
issue-1112	30	16	.	.	PUNCT
issue-1112	31	1	the	the	DET
issue-1112	31	2	banking	banking	NOUN
issue-1112	31	3	innovation	innovation	NOUN
issue-1112	31	4	has	have	VERB
issue-1112	31	5	time	time	NOUN
issue-1112	31	6	constraints	constraint	NOUN
issue-1112	31	7	.	.	PUNCT
issue-1112	32	1	it	it	PRON
issue-1112	32	2	operates	operate	VERB
issue-1112	32	3	only	only	ADV
issue-1112	32	4	within	within	ADP
issue-1112	32	5	a	a	DET
issue-1112	32	6	certain	certain	ADJ
issue-1112	32	7	period	period	NOUN
issue-1112	32	8	,	,	PUNCT
issue-1112	32	9	which	which	PRON
issue-1112	32	10	is	be	AUX
issue-1112	32	11	determined	determine	VERB
issue-1112	32	12	by	by	ADP
issue-1112	32	13	the	the	DET
issue-1112	32	14	starting	starting	NOUN
issue-1112	32	15	and	and	CCONJ
issue-1112	32	16	ending	end	VERB
issue-1112	32	17	points	point	NOUN
issue-1112	32	18	of	of	ADP
issue-1112	32	19	the	the	DET
issue-1112	32	20	life	life	NOUN
issue-1112	32	21	cycle	cycle	NOUN
issue-1112	32	22	of	of	ADP
issue-1112	32	23	the	the	DET
issue-1112	32	24	innovation	innovation	NOUN
issue-1112	32	25	,	,	PUNCT
issue-1112	32	26	but	but	CCONJ
issue-1112	32	27	not	not	PART
issue-1112	32	28	the	the	DET
issue-1112	32	29	banking	banking	NOUN
issue-1112	32	30	product	product	NOUN
issue-1112	32	31	.	.	PUNCT
issue-1112	33	1	this	this	PRON
issue-1112	33	2	means	mean	VERB
issue-1112	33	3	that	that	SCONJ
issue-1112	33	4	banking	banking	NOUN
issue-1112	33	5	innovations	innovation	NOUN
issue-1112	33	6	can	can	AUX
issue-1112	33	7	not	not	PART
issue-1112	33	8	be	be	AUX
issue-1112	33	9	generally	generally	ADV
issue-1112	33	10	accepted	accept	VERB
issue-1112	33	11	transactions	transaction	NOUN
issue-1112	33	12	that	that	PRON
issue-1112	33	13	are	be	AUX
issue-1112	33	14	widely	widely	ADV
issue-1112	33	15	used	use	VERB
issue-1112	33	16	.	.	PUNCT
issue-1112	34	1	the	the	DET
issue-1112	34	2	banking	banking	NOUN
issue-1112	34	3	innovation	innovation	NOUN
issue-1112	34	4	can	can	AUX
issue-1112	34	5	not	not	PART
issue-1112	34	6	be	be	AUX
issue-1112	34	7	considered	consider	VERB
issue-1112	34	8	a	a	DET
issue-1112	34	9	banking	banking	NOUN
issue-1112	34	10	product	product	NOUN
issue-1112	34	11	or	or	CCONJ
issue-1112	34	12	operation	operation	NOUN
issue-1112	34	13	that	that	PRON
issue-1112	34	14	is	be	AUX
issue-1112	34	15	new	new	ADJ
issue-1112	34	16	only	only	ADV
issue-1112	34	17	to	to	ADP
issue-1112	34	18	this	this	DET
issue-1112	34	19	bank	bank	NOUN
issue-1112	34	20	,	,	PUNCT
issue-1112	34	21	but	but	CCONJ
issue-1112	34	22	which	which	PRON
issue-1112	34	23	has	have	AUX
issue-1112	34	24	long	long	ADV
issue-1112	34	25	been	be	AUX
issue-1112	34	26	implemented	implement	VERB
issue-1112	34	27	in	in	ADP
issue-1112	34	28	other	other	ADJ
issue-1112	34	29	banks	bank	NOUN
issue-1112	34	30	either	either	CCONJ
issue-1112	34	31	(	(	PUNCT
issue-1112	34	32	loiko	loiko	PROPN
issue-1112	34	33	v.	v.	PROPN
issue-1112	34	34	,	,	PUNCT
issue-1112	34	35	bashkyrtseva	bashkyrtseva	PROPN
issue-1112	34	36	t.	t.	PROPN
issue-1112	34	37	,	,	PUNCT
issue-1112	34	38	2018	2018	NUM
issue-1112	34	39	)	)	PUNCT
issue-1112	34	40	.	.	PUNCT
issue-1112	35	1	innovative	innovative	ADJ
issue-1112	35	2	development	development	NOUN
issue-1112	35	3	is	be	AUX
issue-1112	35	4	a	a	DET
issue-1112	35	5	hallmark	hallmark	NOUN
issue-1112	35	6	of	of	ADP
issue-1112	35	7	successful	successful	ADJ
issue-1112	35	8	economies	economy	NOUN
issue-1112	35	9	in	in	ADP
issue-1112	35	10	many	many	ADJ
issue-1112	35	11	highly	highly	ADV
issue-1112	35	12	developed	develop	VERB
issue-1112	35	13	countries	country	NOUN
issue-1112	35	14	.	.	PUNCT
issue-1112	36	1	the	the	DET
issue-1112	36	2	ever	ever	ADV
issue-1112	36	3	-	-	PUNCT
issue-1112	36	4	growing	grow	VERB
issue-1112	36	5	connection	connection	NOUN
issue-1112	36	6	between	between	ADP
issue-1112	36	7	science	science	NOUN
issue-1112	36	8	and	and	CCONJ
issue-1112	36	9	business	business	NOUN
issue-1112	36	10	,	,	PUNCT
issue-1112	36	11	the	the	DET
issue-1112	36	12	widespread	widespread	ADJ
issue-1112	36	13	introduction	introduction	NOUN
issue-1112	36	14	of	of	ADP
issue-1112	36	15	innovative	innovative	ADJ
issue-1112	36	16	information	information	NOUN
issue-1112	36	17	technologies	technology	NOUN
issue-1112	36	18	in	in	ADP
issue-1112	36	19	all	all	DET
issue-1112	36	20	spheres	sphere	NOUN
issue-1112	36	21	of	of	ADP
issue-1112	36	22	activity	activity	NOUN
issue-1112	36	23	,	,	PUNCT
issue-1112	36	24	the	the	DET
issue-1112	36	25	constant	constant	ADJ
issue-1112	36	26	renewal	renewal	NOUN
issue-1112	36	27	or	or	CCONJ
issue-1112	36	28	improvement	improvement	NOUN
issue-1112	36	29	of	of	ADP
issue-1112	36	30	products	product	NOUN
issue-1112	36	31	and	and	CCONJ
issue-1112	36	32	services	service	NOUN
issue-1112	36	33	,	,	PUNCT
issue-1112	36	34	the	the	DET
issue-1112	36	35	introduction	introduction	NOUN
issue-1112	36	36	of	of	ADP
issue-1112	36	37	modern	modern	ADJ
issue-1112	36	38	forms	form	NOUN
issue-1112	36	39	and	and	CCONJ
issue-1112	36	40	methods	method	NOUN
issue-1112	36	41	of	of	ADP
issue-1112	36	42	management	management	NOUN
issue-1112	36	43	can	can	AUX
issue-1112	36	44	increase	increase	VERB
issue-1112	36	45	competitiveness	competitiveness	NOUN
issue-1112	36	46	and	and	CCONJ
issue-1112	36	47	are	be	AUX
issue-1112	36	48	an	an	DET
issue-1112	36	49	integral	integral	ADJ
issue-1112	36	50	part	part	NOUN
issue-1112	36	51	of	of	ADP
issue-1112	36	52	the	the	DET
issue-1112	36	53	innovative	innovative	ADJ
issue-1112	36	54	economic	economic	ADJ
issue-1112	36	55	development	development	NOUN
issue-1112	36	56	.	.	PUNCT
issue-1112	37	1	despite	despite	SCONJ
issue-1112	37	2	a	a	DET
issue-1112	37	3	significant	significant	ADJ
issue-1112	37	4	amount	amount	NOUN
issue-1112	37	5	of	of	ADP
issue-1112	37	6	works	work	NOUN
issue-1112	37	7	of	of	ADP
issue-1112	37	8	domestic	domestic	ADJ
issue-1112	37	9	and	and	CCONJ
issue-1112	37	10	foreign	foreign	ADJ
issue-1112	37	11	scientists	scientist	NOUN
issue-1112	37	12	in	in	ADP
issue-1112	37	13	the	the	DET
issue-1112	37	14	direction	direction	NOUN
issue-1112	37	15	of	of	ADP
issue-1112	37	16	studying	study	VERB
issue-1112	37	17	the	the	DET
issue-1112	37	18	peculiarities	peculiarity	NOUN
issue-1112	37	19	of	of	ADP
issue-1112	37	20	the	the	DET
issue-1112	37	21	financial	financial	ADJ
issue-1112	37	22	institutions	institution	NOUN
issue-1112	37	23	functioning	function	VERB
issue-1112	37	24	,	,	PUNCT
issue-1112	37	25	the	the	DET
issue-1112	37	26	existing	exist	VERB
issue-1112	37	27	scientific	scientific	ADJ
issue-1112	37	28	works	work	NOUN
issue-1112	37	29	are	be	AUX
issue-1112	37	30	incompletely	incompletely	ADV
issue-1112	37	31	analysed	analyse	VERB
issue-1112	37	32	,	,	PUNCT
issue-1112	37	33	and	and	CCONJ
issue-1112	37	34	foreign	foreign	ADJ
issue-1112	37	35	experience	experience	NOUN
issue-1112	37	36	in	in	ADP
issue-1112	37	37	the	the	DET
issue-1112	37	38	development	development	NOUN
issue-1112	37	39	of	of	ADP
issue-1112	37	40	new	new	ADJ
issue-1112	37	41	innovative	innovative	ADJ
issue-1112	37	42	information	information	NOUN
issue-1112	37	43	technologies	technology	NOUN
issue-1112	37	44	in	in	ADP
issue-1112	37	45	the	the	DET
issue-1112	37	46	financial	financial	ADJ
issue-1112	37	47	services	service	NOUN
issue-1112	37	48	market	market	NOUN
issue-1112	37	49	is	be	AUX
issue-1112	37	50	analysed	analyse	VERB
issue-1112	37	51	.	.	PUNCT
issue-1112	38	1	the	the	DET
issue-1112	38	2	purpose	purpose	NOUN
issue-1112	38	3	of	of	ADP
issue-1112	38	4	the	the	DET
issue-1112	38	5	article	article	NOUN
issue-1112	38	6	is	be	AUX
issue-1112	38	7	to	to	PART
issue-1112	38	8	analyse	analyse	VERB
issue-1112	38	9	and	and	CCONJ
issue-1112	38	10	systematize	systematize	VERB
issue-1112	38	11	foreign	foreign	ADJ
issue-1112	38	12	experience	experience	NOUN
issue-1112	38	13	in	in	ADP
issue-1112	38	14	the	the	DET
issue-1112	38	15	development	development	NOUN
issue-1112	38	16	of	of	ADP
issue-1112	38	17	new	new	ADJ
issue-1112	38	18	innovative	innovative	ADJ
issue-1112	38	19	and	and	CCONJ
issue-1112	38	20	information	information	NOUN
issue-1112	38	21	technologies	technology	NOUN
issue-1112	38	22	in	in	ADP
issue-1112	38	23	the	the	DET
issue-1112	38	24	financial	financial	ADJ
issue-1112	38	25	services	service	NOUN
issue-1112	38	26	market	market	NOUN
issue-1112	38	27	.	.	PUNCT
issue-1112	39	1	2	2	X
issue-1112	39	2	.	.	X
issue-1112	39	3	literature	literature	NOUN
issue-1112	39	4	review	review	VERB
issue-1112	39	5	many	many	ADJ
issue-1112	39	6	many	many	ADJ
issue-1112	39	7	scientists	scientist	NOUN
issue-1112	39	8	devote	devote	VERB
issue-1112	39	9	their	their	PRON
issue-1112	39	10	papers	paper	NOUN
issue-1112	39	11	to	to	ADP
issue-1112	39	12	the	the	DET
issue-1112	39	13	study	study	NOUN
issue-1112	39	14	of	of	ADP
issue-1112	39	15	modern	modern	ADJ
issue-1112	39	16	innovative	innovative	ADJ
issue-1112	39	17	and	and	CCONJ
issue-1112	39	18	information	information	NOUN
issue-1112	39	19	technologies	technology	NOUN
issue-1112	39	20	,	,	PUNCT
issue-1112	39	21	including	include	VERB
issue-1112	39	22	their	their	PRON
issue-1112	39	23	introduction	introduction	NOUN
issue-1112	39	24	into	into	ADP
issue-1112	39	25	the	the	DET
issue-1112	39	26	work	work	NOUN
issue-1112	39	27	of	of	ADP
issue-1112	39	28	financial	financial	ADJ
issue-1112	39	29	institutions	institution	NOUN
issue-1112	39	30	,	,	PUNCT
issue-1112	39	31	namely	namely	ADV
issue-1112	39	32	al	al	PROPN
issue-1112	39	33	-	-	PUNCT
issue-1112	39	34	kaber	kaber	PROPN
issue-1112	39	35	m.	m.	NOUN
issue-1112	39	36	(	(	PUNCT
issue-1112	39	37	2010	2010	NUM
issue-1112	39	38	)	)	PUNCT
issue-1112	39	39	,	,	PUNCT
issue-1112	39	40	anderloni	anderloni	PROPN
issue-1112	39	41	l.	l.	PROPN
issue-1112	39	42	,	,	PUNCT
issue-1112	39	43	bongini	bongini	PROPN
issue-1112	39	44	,	,	PUNCT
issue-1112	39	45	p.	p.	NOUN
issue-1112	39	46	(	(	PUNCT
issue-1112	39	47	2009	2009	NUM
issue-1112	39	48	)	)	PUNCT
issue-1112	39	49	,	,	PUNCT
issue-1112	39	50	błach	błach	ADP
issue-1112	39	51	joanna	joanna	PROPN
issue-1112	39	52	(	(	PUNCT
issue-1112	39	53	2011	2011	NUM
issue-1112	39	54	)	)	PUNCT
issue-1112	39	55	,	,	PUNCT
issue-1112	39	56	butko	butko	NOUN
issue-1112	39	57	m.	m.	NOUN
issue-1112	39	58	(	(	PUNCT
issue-1112	39	59	2019	2019	NUM
issue-1112	39	60	)	)	PUNCT
issue-1112	39	61	,	,	PUNCT
issue-1112	39	62	chien	chien	PROPN
issue-1112	39	63	-	-	PUNCT
issue-1112	39	64	chiang	chiang	PROPN
issue-1112	39	65	lee	lee	PROPN
issue-1112	39	66	,	,	PUNCT
issue-1112	39	67	chih	chih	PROPN
issue-1112	39	68	-	-	PUNCT
issue-1112	39	69	wei	wei	PROPN
issue-1112	39	70	wang	wang	PROPN
issue-1112	39	71	(	(	PUNCT
issue-1112	39	72	2020	2020	NUM
issue-1112	39	73	)	)	PUNCT
issue-1112	39	74	,	,	PUNCT
issue-1112	39	75	chrystalla	chrystalla	NOUN
issue-1112	39	76	kapetaniou	kapetaniou	NOUN
issue-1112	39	77	(	(	PUNCT
issue-1112	39	78	2018	2018	NUM
issue-1112	39	79	)	)	PUNCT
issue-1112	39	80	,	,	PUNCT
issue-1112	39	81	daniel	daniel	PROPN
issue-1112	39	82	ruiz	ruiz	PROPN
issue-1112	39	83	-	-	PUNCT
issue-1112	39	84	palomo	palomo	NOUN
issue-1112	39	85	(	(	PUNCT
issue-1112	39	86	2021	2021	NUM
issue-1112	39	87	)	)	PUNCT
issue-1112	39	88	,	,	PUNCT
issue-1112	39	89	domingo	domingo	PROPN
issue-1112	39	90	garcía	garcía	ADJ
issue-1112	39	91	-	-	PUNCT
issue-1112	39	92	pérez	pérez	NOUN
issue-1112	39	93	-	-	PUNCT
issue-1112	39	94	de	de	NOUN
issue-1112	39	95	-	-	NOUN
issue-1112	39	96	lema	lema	ADJ
issue-1112	39	97	(	(	PUNCT
issue-1112	39	98	2021	2021	NUM
issue-1112	39	99	)	)	PUNCT
issue-1112	39	100	,	,	PUNCT
issue-1112	39	101	ebubekir	ebubekir	PROPN
issue-1112	39	102	mollaahmetoğlu	mollaahmetoğlu	PROPN
issue-1112	39	103	(	(	PUNCT
issue-1112	39	104	2019	2019	NUM
issue-1112	39	105	)	)	PUNCT
issue-1112	39	106	,	,	PUNCT
issue-1112	39	107	ekkert	ekkert	ADJ
issue-1112	39	108	m.	m.	NOUN
issue-1112	39	109	(	(	PUNCT
issue-1112	39	110	2019	2019	NUM
issue-1112	39	111	)	)	PUNCT
issue-1112	39	112	,	,	PUNCT
issue-1112	39	113	ellis	ellis	PROPN
issue-1112	39	114	l.	l.	PROPN
issue-1112	39	115	c.	c.	PROPN
issue-1112	39	116	osabutey	osabutey	PROPN
issue-1112	39	117	(	(	PUNCT
issue-1112	39	118	2020	2020	NUM
issue-1112	39	119	)	)	PUNCT
issue-1112	39	120	,	,	PUNCT
issue-1112	39	121	fabozzi	fabozzi	PROPN
issue-1112	39	122	f.	f.	PROPN
issue-1112	39	123	j.	j.	PROPN
issue-1112	39	124	(	(	PUNCT
issue-1112	39	125	2003	2003	NUM
issue-1112	39	126	)	)	PUNCT
issue-1112	39	127	,	,	PUNCT
issue-1112	39	128	fedyshyn	fedyshyn	PROPN
issue-1112	39	129	m.	m.	PROPN
issue-1112	39	130	f.	f.	PROPN
issue-1112	39	131	(	(	PUNCT
issue-1112	39	132	2019	2019	NUM
issue-1112	39	133	)	)	PUNCT
issue-1112	39	134	,	,	PUNCT
issue-1112	39	135	frame	frame	NOUN
issue-1112	39	136	w.	w.	PROPN
issue-1112	39	137	s.	s.	PROPN
issue-1112	39	138	(	(	PUNCT
issue-1112	39	139	2009	2009	NUM
issue-1112	39	140	)	)	PUNCT
issue-1112	39	141	,	,	PUNCT
issue-1112	39	142	hui	hui	PROPN
issue-1112	40	1	an	an	X
issue-1112	40	2	,	,	PUNCT
issue-1112	40	3	ruibo	ruibo	PROPN
issue-1112	40	4	yang	yang	PROPN
issue-1112	40	5	(	(	PUNCT
issue-1112	40	6	2021	2021	NUM
issue-1112	40	7	)	)	PUNCT
issue-1112	40	8	,	,	PUNCT
issue-1112	40	9	ivanova	ivanova	PROPN
issue-1112	40	10	n.	n.	PROPN
issue-1112	40	11	(	(	PUNCT
issue-1112	40	12	2020	2020	NUM
issue-1112	40	13	)	)	PUNCT
issue-1112	40	14	,	,	PUNCT
issue-1112	40	15	katrin	katrin	PROPN
issue-1112	40	16	hahn	hahn	PROPN
issue-1112	40	17	(	(	PUNCT
issue-1112	40	18	2019	2019	NUM
issue-1112	40	19	)	)	PUNCT
issue-1112	40	20	,	,	PUNCT
issue-1112	40	21	kostohryz	kostohryz	PROPN
issue-1112	40	22	v.	v.	PROPN
issue-1112	40	23	g.	g.	PROPN
issue-1112	40	24	(	(	PUNCT
issue-1112	40	25	2021	2021	NUM
issue-1112	40	26	)	)	PUNCT
issue-1112	40	27	,	,	PUNCT
issue-1112	40	28	leonardo	leonardo	PROPN
issue-1112	40	29	fernando	fernando	PROPN
issue-1112	40	30	cruz	cruz	PROPN
issue-1112	40	31	basso	basso	PROPN
issue-1112	40	32	(	(	PUNCT
issue-1112	40	33	2018	2018	NUM
issue-1112	40	34	)	)	PUNCT
issue-1112	40	35	,	,	PUNCT
issue-1112	40	36	loiko	loiko	PROPN
issue-1112	40	37	v.	v.	PROPN
issue-1112	40	38	(	(	PUNCT
issue-1112	40	39	2018	2018	NUM
issue-1112	40	40	)	)	PUNCT
issue-1112	40	41	,	,	PUNCT
issue-1112	40	42	maliarova	maliarova	PROPN
issue-1112	40	43	v.	v.	ADP
issue-1112	40	44	о	о	PROPN
issue-1112	40	45	.	.	PUNCT
issue-1112	41	1	(	(	PUNCT
issue-1112	41	2	2021	2021	NUM
issue-1112	41	3	)	)	PUNCT
issue-1112	41	4	,	,	PUNCT
issue-1112	41	5	shkarlet	shkarlet	PROPN
issue-1112	41	6	s.	s.	PROPN
issue-1112	41	7	(	(	PUNCT
issue-1112	41	8	2019	2019	NUM
issue-1112	41	9	)	)	PUNCT
issue-1112	41	10	,	,	PUNCT
issue-1112	41	11	vovk	vovk	ADJ
issue-1112	41	12	v.	v.	ADP
issue-1112	41	13	y.	y.	PROPN
issue-1112	41	14	(	(	PUNCT
issue-1112	41	15	2019	2019	NUM
issue-1112	41	16	)	)	PUNCT
issue-1112	41	17	,	,	PUNCT
issue-1112	41	18	yangyang	yangyang	PROPN
issue-1112	41	19	chen	chen	PROPN
issue-1112	41	20	(	(	PUNCT
issue-1112	41	21	2021	2021	NUM
issue-1112	41	22	)	)	PUNCT
issue-1112	41	23	,	,	PUNCT
issue-1112	41	24	zhezherun	zhezherun	VERB
issue-1112	41	25	yu	yu	PROPN
issue-1112	41	26	.	.	PUNCT
issue-1112	42	1	v.	v.	PROPN
issue-1112	42	2	(	(	PUNCT
issue-1112	42	3	2021	2021	NUM
issue-1112	42	4	)	)	PUNCT
issue-1112	42	5	and	and	CCONJ
issue-1112	42	6	others	other	NOUN
issue-1112	42	7	.	.	PUNCT
issue-1112	43	1	using	use	VERB
issue-1112	43	2	the	the	DET
issue-1112	43	3	example	example	NOUN
issue-1112	43	4	of	of	ADP
issue-1112	43	5	the	the	DET
issue-1112	43	6	established	establish	VERB
issue-1112	43	7	german	german	ADJ
issue-1112	43	8	industrial	industrial	ADJ
issue-1112	43	9	companies	company	NOUN
issue-1112	43	10	,	,	PUNCT
issue-1112	43	11	katrin	katrin	PROPN
issue-1112	43	12	hahn	hahn	PROPN
issue-1112	43	13	from	from	ADP
issue-1112	43	14	the	the	DET
issue-1112	43	15	netherlands	netherlands	PROPN
issue-1112	43	16	examine	examine	VERB
issue-1112	43	17	the	the	DET
issue-1112	43	18	extent	extent	NOUN
issue-1112	43	19	to	to	PART
issue-1112	43	20	which	which	PRON
issue-1112	43	21	financialization	financialization	NOUN
issue-1112	43	22	and	and	CCONJ
issue-1112	43	23	financial	financial	ADJ
issue-1112	43	24	market	market	NOUN
issue-1112	43	25	actors	actor	NOUN
issue-1112	43	26	steer	steer	VERB
issue-1112	43	27	innovation	innovation	NOUN
issue-1112	43	28	strategies	strategy	NOUN
issue-1112	43	29	and	and	CCONJ
issue-1112	43	30	practices	practice	NOUN
issue-1112	43	31	.	.	PUNCT
issue-1112	44	1	in	in	ADP
issue-1112	44	2	-	-	PUNCT
issue-1112	44	3	depth	depth	NOUN
issue-1112	44	4	interviews	interview	NOUN
issue-1112	44	5	with	with	ADP
issue-1112	44	6	companies	company	NOUN
issue-1112	44	7	,	,	PUNCT
issue-1112	44	8	cluster	cluster	NOUN
issue-1112	44	9	managers	manager	NOUN
issue-1112	44	10	and	and	CCONJ
issue-1112	44	11	banks	bank	NOUN
issue-1112	44	12	and	and	CCONJ
issue-1112	44	13	reviews	review	NOUN
issue-1112	44	14	of	of	ADP
issue-1112	44	15	financing	financing	NOUN
issue-1112	44	16	data	datum	NOUN
issue-1112	44	17	do	do	AUX
issue-1112	44	18	not	not	PART
issue-1112	44	19	reveal	reveal	VERB
issue-1112	44	20	a	a	DET
issue-1112	44	21	direct	direct	ADJ
issue-1112	44	22	influence	influence	NOUN
issue-1112	44	23	of	of	ADP
issue-1112	44	24	financial	financial	ADJ
issue-1112	44	25	investors	investor	NOUN
issue-1112	44	26	on	on	ADP
issue-1112	44	27	innovation	innovation	NOUN
issue-1112	44	28	activities	activity	NOUN
issue-1112	44	29	.	.	PUNCT
issue-1112	45	1	on	on	ADP
issue-1112	45	2	the	the	DET
issue-1112	45	3	contrary	contrary	NOUN
issue-1112	45	4	,	,	PUNCT
issue-1112	45	5	companies	company	NOUN
issue-1112	45	6	’	'	PUNCT
issue-1112	45	7	managements	management	NOUN
issue-1112	45	8	still	still	ADV
issue-1112	45	9	have	have	VERB
issue-1112	45	10	the	the	DET
issue-1112	45	11	power	power	NOUN
issue-1112	45	12	to	to	PART
issue-1112	45	13	decide	decide	VERB
issue-1112	45	14	how	how	SCONJ
issue-1112	45	15	much	much	ADJ
issue-1112	45	16	financial	financial	ADJ
issue-1112	45	17	control	control	NOUN
issue-1112	45	18	and	and	CCONJ
issue-1112	45	19	standardization	standardization	NOUN
issue-1112	45	20	they	they	PRON
issue-1112	45	21	allow	allow	VERB
issue-1112	45	22	for	for	ADP
issue-1112	45	23	their	their	PRON
issue-1112	45	24	companies	company	NOUN
issue-1112	45	25	’	’	PART
issue-1112	45	26	innovation	innovation	NOUN
issue-1112	45	27	practices	practice	NOUN
issue-1112	45	28	.	.	PUNCT
issue-1112	46	1	the	the	DET
issue-1112	46	2	pressure	pressure	NOUN
issue-1112	46	3	on	on	ADP
issue-1112	46	4	these	these	DET
issue-1112	46	5	german	german	ADJ
issue-1112	46	6	companies	company	NOUN
issue-1112	46	7	to	to	PART
issue-1112	46	8	innovate	innovate	VERB
issue-1112	46	9	comes	come	VERB
issue-1112	46	10	from	from	ADP
issue-1112	46	11	their	their	PRON
issue-1112	46	12	strong	strong	ADJ
issue-1112	46	13	market	market	NOUN
issue-1112	46	14	orientation	orientation	NOUN
issue-1112	46	15	rather	rather	ADV
issue-1112	46	16	than	than	ADP
issue-1112	46	17	from	from	ADP
issue-1112	46	18	financialization	financialization	NOUN
issue-1112	46	19	(	(	PUNCT
issue-1112	46	20	katrin	katrin	PROPN
issue-1112	46	21	hahn	hahn	PROPN
issue-1112	46	22	,	,	PUNCT
issue-1112	46	23	2019	2019	NUM
issue-1112	46	24	)	)	PUNCT
issue-1112	46	25	.	.	PUNCT
issue-1112	47	1	the	the	DET
issue-1112	47	2	research	research	NOUN
issue-1112	47	3	by	by	ADP
issue-1112	47	4	the	the	DET
issue-1112	47	5	chinese	chinese	ADJ
issue-1112	47	6	scientists	scientist	NOUN
issue-1112	47	7	evaluates	evaluate	VERB
issue-1112	47	8	the	the	DET
issue-1112	47	9	impact	impact	NOUN
issue-1112	47	10	of	of	ADP
issue-1112	47	11	financial	financial	ADJ
issue-1112	47	12	innovation	innovation	NOUN
issue-1112	47	13	on	on	ADP
issue-1112	47	14	the	the	DET
issue-1112	47	15	banks	bank	NOUN
issue-1112	47	16	growth	growth	NOUN
issue-1112	47	17	and	and	CCONJ
issue-1112	47	18	how	how	SCONJ
issue-1112	47	19	their	their	PRON
issue-1112	47	20	growth	growth	NOUN
issue-1112	47	21	is	be	AUX
issue-1112	47	22	affected	affect	VERB
issue-1112	47	23	by	by	ADP
issue-1112	47	24	various	various	ADJ
issue-1112	47	25	dimensions	dimension	NOUN
issue-1112	47	26	of	of	ADP
issue-1112	47	27	institutional	institutional	ADJ
issue-1112	47	28	environments	environment	NOUN
issue-1112	47	29	’	'	PUNCT
issue-1112	47	30	interaction	interaction	NOUN
issue-1112	47	31	with	with	ADP
issue-1112	47	32	financial	financial	ADJ
issue-1112	47	33	innovation	innovation	NOUN
issue-1112	47	34	.	.	PUNCT
issue-1112	48	1	to	to	PART
issue-1112	48	2	address	address	VERB
issue-1112	48	3	these	these	DET
issue-1112	48	4	relationships	relationship	NOUN
issue-1112	48	5	,	,	PUNCT
issue-1112	48	6	they	they	PRON
issue-1112	48	7	use	use	VERB
issue-1112	48	8	different	different	ADJ
issue-1112	48	9	measures	measure	NOUN
issue-1112	48	10	of	of	ADP
issue-1112	48	11	financial	financial	ADJ
issue-1112	48	12	innovation	innovation	NOUN
issue-1112	48	13	and	and	CCONJ
issue-1112	48	14	bank	bank	NOUN
issue-1112	48	15	growth	growth	NOUN
issue-1112	48	16	from	from	ADP
issue-1112	48	17	a	a	DET
issue-1112	48	18	panel	panel	NOUN
issue-1112	48	19	dataset	dataset	VERB
issue-1112	48	20	of	of	ADP
issue-1112	48	21	40	40	NUM
issue-1112	48	22	countries	country	NOUN
issue-1112	48	23	(	(	PUNCT
issue-1112	48	24	chien	chien	PROPN
issue-1112	48	25	-	-	PUNCT
issue-1112	48	26	chiang	chiang	PROPN
issue-1112	48	27	lee	lee	PROPN
issue-1112	48	28	;	;	PUNCT
issue-1112	48	29	chihwei	chihwei	PROPN
issue-1112	48	30	wang	wang	PROPN
issue-1112	48	31	;	;	PUNCT
issue-1112	48	32	shan	shan	PROPN
issue-1112	48	33	-	-	PUNCT
issue-1112	48	34	ju	ju	PROPN
issue-1112	48	35	ho	ho	PROPN
issue-1112	48	36	,	,	PUNCT
issue-1112	48	37	2020	2020	NUM
issue-1112	48	38	)	)	PUNCT
issue-1112	48	39	.	.	PUNCT
issue-1112	49	1	the	the	DET
issue-1112	49	2	paper	paper	NOUN
issue-1112	49	3	by	by	ADP
issue-1112	49	4	chrystalla	chrystalla	NOUN
issue-1112	49	5	kapetaniou	kapetaniou	NOUN
issue-1112	49	6	,	,	PUNCT
issue-1112	49	7	marios	marios	PROPN
issue-1112	49	8	samdanis	samdanis	PROPN
issue-1112	49	9	,	,	PUNCT
issue-1112	49	10	soo	soo	PROPN
issue-1112	49	11	heelee	heelee	PROPN
issue-1112	49	12	(	(	PUNCT
issue-1112	49	13	cyprus	cyprus	PROPN
issue-1112	49	14	,	,	PUNCT
issue-1112	49	15	the	the	DET
issue-1112	49	16	uk	uk	PROPN
issue-1112	49	17	)	)	PUNCT
issue-1112	49	18	extends	extend	VERB
issue-1112	49	19	the	the	DET
issue-1112	49	20	literature	literature	NOUN
issue-1112	49	21	on	on	ADP
issue-1112	49	22	national	national	ADJ
issue-1112	49	23	innovation	innovation	NOUN
issue-1112	49	24	systems	system	NOUN
issue-1112	49	25	,	,	PUNCT
issue-1112	49	26	arguing	argue	VERB
issue-1112	49	27	that	that	SCONJ
issue-1112	49	28	innovation	innovation	NOUN
issue-1112	49	29	policies	policy	NOUN
issue-1112	49	30	should	should	AUX
issue-1112	49	31	incorporate	incorporate	VERB
issue-1112	49	32	the	the	DET
issue-1112	49	33	particular	particular	ADJ
issue-1112	49	34	needs	need	NOUN
issue-1112	49	35	of	of	ADP
issue-1112	49	36	a	a	DET
issue-1112	49	37	nation	nation	NOUN
issue-1112	49	38	’s	’s	PART
issue-1112	49	39	innovation	innovation	NOUN
issue-1112	49	40	system	system	NOUN
issue-1112	49	41	and	and	CCONJ
issue-1112	49	42	the	the	DET
issue-1112	49	43	current	current	ADJ
issue-1112	49	44	conditions	condition	NOUN
issue-1112	49	45	of	of	ADP
issue-1112	49	46	that	that	DET
issue-1112	49	47	nation	nation	NOUN
issue-1112	49	48	’s	’s	PART
issue-1112	49	49	financial	financial	ADJ
issue-1112	49	50	environment	environment	NOUN
issue-1112	49	51	.	.	PUNCT
issue-1112	50	1	this	this	DET
issue-1112	50	2	development	development	NOUN
issue-1112	50	3	is	be	AUX
issue-1112	50	4	important	important	ADJ
issue-1112	50	5	because	because	SCONJ
issue-1112	50	6	the	the	DET
issue-1112	50	7	financial	financial	ADJ
issue-1112	50	8	baltic	baltic	PROPN
issue-1112	50	9	journal	journal	PROPN
issue-1112	50	10	of	of	ADP
issue-1112	50	11	economic	economic	ADJ
issue-1112	50	12	studies	study	NOUN
issue-1112	50	13	190	190	NUM
issue-1112	50	14	vol	vol	NOUN
issue-1112	50	15	.	.	PROPN
issue-1112	50	16	7	7	NUM
issue-1112	51	1	no	no	NOUN
issue-1112	51	2	.	.	NOUN
issue-1112	51	3	2	2	NUM
issue-1112	51	4	,	,	PUNCT
issue-1112	51	5	2021	2021	NUM
issue-1112	51	6	environment	environment	NOUN
issue-1112	51	7	is	be	AUX
issue-1112	51	8	malleable	malleable	ADJ
issue-1112	51	9	and	and	CCONJ
issue-1112	51	10	subject	subject	ADJ
issue-1112	51	11	to	to	ADP
issue-1112	51	12	exogenous	exogenous	ADJ
issue-1112	51	13	events	event	NOUN
issue-1112	51	14	,	,	PUNCT
issue-1112	51	15	such	such	ADJ
issue-1112	51	16	as	as	ADP
issue-1112	51	17	recent	recent	ADJ
issue-1112	51	18	global	global	ADJ
issue-1112	51	19	financial	financial	ADJ
issue-1112	51	20	crisis	crisis	NOUN
issue-1112	51	21	.	.	PUNCT
issue-1112	52	1	the	the	DET
issue-1112	52	2	relationship	relationship	NOUN
issue-1112	52	3	between	between	ADP
issue-1112	52	4	a	a	DET
issue-1112	52	5	national	national	ADJ
issue-1112	52	6	innovation	innovation	NOUN
issue-1112	52	7	system	system	NOUN
issue-1112	52	8	and	and	CCONJ
issue-1112	52	9	the	the	DET
issue-1112	52	10	financial	financial	ADJ
issue-1112	52	11	environment	environment	NOUN
issue-1112	52	12	is	be	AUX
issue-1112	52	13	presented	present	VERB
issue-1112	52	14	through	through	ADP
issue-1112	52	15	an	an	DET
issue-1112	52	16	analytical	analytical	ADJ
issue-1112	52	17	framework	framework	NOUN
issue-1112	52	18	,	,	PUNCT
issue-1112	52	19	which	which	PRON
issue-1112	52	20	can	can	AUX
issue-1112	52	21	be	be	AUX
issue-1112	52	22	used	use	VERB
issue-1112	52	23	to	to	PART
issue-1112	52	24	assess	assess	VERB
issue-1112	52	25	and	and	CCONJ
issue-1112	52	26	instigate	instigate	VERB
issue-1112	52	27	national	national	ADJ
issue-1112	52	28	innovation	innovation	NOUN
issue-1112	52	29	policies	policy	NOUN
issue-1112	52	30	(	(	PUNCT
issue-1112	52	31	chrystalla	chrystalla	NOUN
issue-1112	52	32	kapetaniou	kapetaniou	NOUN
issue-1112	52	33	;	;	PUNCT
issue-1112	52	34	marios	mario	NOUN
issue-1112	52	35	samdanis	samdanis	PROPN
issue-1112	52	36	;	;	PUNCT
issue-1112	52	37	soo	soo	PROPN
issue-1112	52	38	hee	hee	PROPN
issue-1112	52	39	lee	lee	PROPN
issue-1112	52	40	,	,	PUNCT
issue-1112	52	41	2018	2018	NUM
issue-1112	52	42	)	)	PUNCT
issue-1112	52	43	.	.	PUNCT
issue-1112	53	1	the	the	DET
issue-1112	53	2	study	study	NOUN
issue-1112	53	3	of	of	ADP
issue-1112	53	4	the	the	DET
issue-1112	53	5	chinese	chinese	ADJ
issue-1112	53	6	and	and	CCONJ
issue-1112	53	7	australian	australian	ADJ
issue-1112	53	8	scientists	scientist	NOUN
issue-1112	53	9	proves	prove	VERB
issue-1112	53	10	that	that	SCONJ
issue-1112	53	11	financial	financial	ADJ
issue-1112	53	12	regulation	regulation	NOUN
issue-1112	53	13	and	and	CCONJ
issue-1112	53	14	financial	financial	ADJ
issue-1112	53	15	innovation	innovation	NOUN
issue-1112	53	16	tend	tend	VERB
issue-1112	53	17	to	to	PART
issue-1112	53	18	show	show	VERB
issue-1112	53	19	a	a	DET
issue-1112	53	20	dynamic	dynamic	ADJ
issue-1112	53	21	game	game	NOUN
issue-1112	53	22	process	process	NOUN
issue-1112	53	23	of	of	ADP
issue-1112	53	24	‘	'	PUNCT
issue-1112	53	25	regulationinnovation	regulationinnovation	NOUN
issue-1112	53	26	-	-	PUNCT
issue-1112	53	27	re	re	NOUN
issue-1112	53	28	-	-	NOUN
issue-1112	53	29	regulation	regulation	NOUN
issue-1112	53	30	-	-	PUNCT
issue-1112	53	31	re	re	NOUN
issue-1112	53	32	-	-	NOUN
issue-1112	53	33	innovation	innovation	NOUN
issue-1112	53	34	’	'	PUNCT
issue-1112	53	35	.	.	PUNCT
issue-1112	54	1	this	this	DET
issue-1112	54	2	paper	paper	NOUN
issue-1112	54	3	constructs	construct	VERB
issue-1112	54	4	an	an	DET
issue-1112	54	5	evolutionary	evolutionary	ADJ
issue-1112	54	6	game	game	NOUN
issue-1112	54	7	model	model	NOUN
issue-1112	54	8	to	to	PART
issue-1112	54	9	simulate	simulate	VERB
issue-1112	54	10	the	the	DET
issue-1112	54	11	above	above	ADJ
issue-1112	54	12	phenomena	phenomenon	NOUN
issue-1112	54	13	for	for	ADP
issue-1112	54	14	analysing	analyse	VERB
issue-1112	54	15	the	the	DET
issue-1112	54	16	stable	stable	ADJ
issue-1112	54	17	equilibrium	equilibrium	NOUN
issue-1112	54	18	strategies	strategy	NOUN
issue-1112	54	19	between	between	ADP
issue-1112	54	20	financial	financial	ADJ
issue-1112	54	21	institutions	institution	NOUN
issue-1112	54	22	and	and	CCONJ
issue-1112	54	23	regulation	regulation	NOUN
issue-1112	54	24	institutions	institution	NOUN
issue-1112	54	25	(	(	PUNCT
issue-1112	54	26	hui	hui	PROPN
issue-1112	54	27	an	an	PROPN
issue-1112	54	28	;	;	PUNCT
issue-1112	54	29	ruibo	ruibo	PROPN
issue-1112	54	30	yang	yang	PROPN
issue-1112	54	31	;	;	PUNCT
issue-1112	54	32	xuejiao	xuejiao	PROPN
issue-1112	54	33	ma	ma	PROPN
issue-1112	54	34	;	;	PUNCT
issue-1112	54	35	siqi	siqi	PROPN
issue-1112	54	36	zhang	zhang	PROPN
issue-1112	54	37	;	;	PUNCT
issue-1112	54	38	sardar	sardar	PROPN
issue-1112	54	39	m.	m.	PROPN
issue-1112	54	40	n.	n.	PROPN
issue-1112	54	41	islam	islam	PROPN
issue-1112	54	42	,	,	PUNCT
issue-1112	54	43	2021	2021	NUM
issue-1112	54	44	)	)	PUNCT
issue-1112	54	45	.	.	PUNCT
issue-1112	55	1	drawing	draw	VERB
issue-1112	55	2	on	on	ADP
issue-1112	55	3	human	human	ADJ
issue-1112	55	4	capital	capital	NOUN
issue-1112	55	5	and	and	CCONJ
issue-1112	55	6	upper	upper	ADJ
issue-1112	55	7	echelons	echelon	NOUN
issue-1112	55	8	theories	theory	NOUN
issue-1112	55	9	,	,	PUNCT
issue-1112	55	10	the	the	DET
issue-1112	55	11	study	study	NOUN
issue-1112	55	12	of	of	ADP
issue-1112	55	13	the	the	DET
issue-1112	55	14	spanish	spanish	ADJ
issue-1112	55	15	scientists	scientist	NOUN
issue-1112	55	16	analyses	analyse	VERB
issue-1112	55	17	how	how	SCONJ
issue-1112	55	18	the	the	DET
issue-1112	55	19	ceo	ceo	NOUN
issue-1112	55	20	’s	’s	PART
issue-1112	55	21	financial	financial	ADJ
issue-1112	55	22	literacy	literacy	NOUN
issue-1112	55	23	influences	influence	VERB
issue-1112	55	24	a	a	DET
issue-1112	55	25	firm	firm	NOUN
issue-1112	55	26	’s	’s	PART
issue-1112	55	27	technological	technological	ADJ
issue-1112	55	28	innovation	innovation	NOUN
issue-1112	55	29	and	and	CCONJ
issue-1112	55	30	investigates	investigate	VERB
issue-1112	55	31	the	the	DET
issue-1112	55	32	mediating	mediate	VERB
issue-1112	55	33	role	role	NOUN
issue-1112	55	34	of	of	ADP
issue-1112	55	35	alleviating	alleviate	VERB
issue-1112	55	36	financial	financial	ADJ
issue-1112	55	37	constraints	constraint	NOUN
issue-1112	55	38	of	of	ADP
issue-1112	55	39	small	small	ADJ
issue-1112	55	40	and	and	CCONJ
issue-1112	55	41	medium	medium	ADJ
issue-1112	55	42	-	-	PUNCT
issue-1112	55	43	sized	sized	ADJ
issue-1112	55	44	enterprises	enterprise	NOUN
issue-1112	55	45	(	(	PUNCT
issue-1112	55	46	smes	sme	NOUN
issue-1112	55	47	)	)	PUNCT
issue-1112	55	48	in	in	ADP
issue-1112	55	49	the	the	DET
issue-1112	55	50	former	former	ADJ
issue-1112	55	51	relationship	relationship	NOUN
issue-1112	55	52	(	(	PUNCT
issue-1112	55	53	domingo	domingo	NOUN
issue-1112	55	54	garcía	garcía	ADJ
issue-1112	55	55	-	-	PUNCT
issue-1112	55	56	pérez	pérez	NOUN
issue-1112	55	57	-	-	PUNCT
issue-1112	55	58	de	de	NOUN
issue-1112	55	59	-	-	NOUN
issue-1112	55	60	lema	lema	ADV
issue-1112	55	61	;	;	PUNCT
issue-1112	55	62	daniel	daniel	PROPN
issue-1112	55	63	ruiz	ruiz	PROPN
issue-1112	55	64	-	-	PUNCT
issue-1112	55	65	palomo	palomo	NOUN
issue-1112	55	66	;	;	PUNCT
issue-1112	55	67	julio	julio	PROPN
issue-1112	55	68	diéguez	diéguez	PROPN
issue-1112	55	69	-	-	PUNCT
issue-1112	55	70	soto	soto	NOUN
issue-1112	55	71	,	,	PUNCT
issue-1112	55	72	2021	2021	NUM
issue-1112	55	73	)	)	PUNCT
issue-1112	55	74	.	.	PUNCT
issue-1112	56	1	authors	author	NOUN
issue-1112	56	2	of	of	ADP
issue-1112	56	3	the	the	DET
issue-1112	56	4	paper	paper	NOUN
issue-1112	56	5	pk	pk	NOUN
issue-1112	56	6	senyo	senyo	NOUN
issue-1112	56	7	,	,	PUNCT
issue-1112	56	8	ellis	ellis	PROPN
issue-1112	56	9	l.c	l.c	PROPN
issue-1112	56	10	.	.	PROPN
issue-1112	56	11	osabutey	osabutey	PROPN
issue-1112	56	12	(	(	PUNCT
issue-1112	56	13	uk	uk	PROPN
issue-1112	56	14	)	)	PUNCT
issue-1112	56	15	argue	argue	VERB
issue-1112	56	16	that	that	SCONJ
issue-1112	56	17	understanding	understand	VERB
issue-1112	56	18	antecedents	antecedent	NOUN
issue-1112	56	19	to	to	ADP
issue-1112	56	20	the	the	DET
issue-1112	56	21	actual	actual	ADJ
issue-1112	56	22	use	use	NOUN
issue-1112	56	23	of	of	ADP
issue-1112	56	24	fintech	fintech	NOUN
issue-1112	56	25	innovations	innovation	NOUN
issue-1112	56	26	will	will	AUX
issue-1112	56	27	lead	lead	VERB
issue-1112	56	28	to	to	ADP
issue-1112	56	29	deepening	deepen	VERB
issue-1112	56	30	financial	financial	ADJ
issue-1112	56	31	inclusion	inclusion	NOUN
issue-1112	56	32	.	.	PUNCT
issue-1112	57	1	using	use	VERB
issue-1112	57	2	mobile	mobile	ADJ
issue-1112	57	3	money	money	NOUN
issue-1112	57	4	,	,	PUNCT
issue-1112	57	5	a	a	DET
issue-1112	57	6	type	type	NOUN
issue-1112	57	7	of	of	ADP
issue-1112	57	8	fintech	fintech	NOUN
issue-1112	57	9	innovation	innovation	NOUN
issue-1112	57	10	,	,	PUNCT
issue-1112	57	11	this	this	DET
issue-1112	57	12	study	study	NOUN
issue-1112	57	13	adopts	adopt	VERB
issue-1112	57	14	the	the	DET
issue-1112	57	15	unified	unified	ADJ
issue-1112	57	16	theory	theory	NOUN
issue-1112	57	17	of	of	ADP
issue-1112	57	18	acceptance	acceptance	NOUN
issue-1112	57	19	and	and	CCONJ
issue-1112	57	20	use	use	NOUN
issue-1112	57	21	of	of	ADP
issue-1112	57	22	technology	technology	NOUN
issue-1112	57	23	2	2	NUM
issue-1112	57	24	(	(	PUNCT
issue-1112	57	25	utaut2	utaut2	NOUN
issue-1112	57	26	)	)	PUNCT
issue-1112	57	27	and	and	CCONJ
issue-1112	57	28	the	the	DET
issue-1112	57	29	prospect	prospect	NOUN
issue-1112	57	30	theory	theory	NOUN
issue-1112	57	31	.	.	PUNCT
issue-1112	58	1	the	the	DET
issue-1112	58	2	findings	finding	NOUN
issue-1112	58	3	show	show	VERB
issue-1112	58	4	that	that	SCONJ
issue-1112	58	5	performance	performance	NOUN
issue-1112	58	6	and	and	CCONJ
issue-1112	58	7	effort	effort	NOUN
issue-1112	58	8	expectancy	expectancy	NOUN
issue-1112	58	9	have	have	VERB
issue-1112	58	10	significant	significant	ADJ
issue-1112	58	11	relationship	relationship	NOUN
issue-1112	58	12	with	with	ADP
issue-1112	58	13	the	the	DET
issue-1112	58	14	intention	intention	NOUN
issue-1112	58	15	to	to	PART
issue-1112	58	16	use	use	VERB
issue-1112	58	17	mobile	mobile	ADJ
issue-1112	58	18	money	money	NOUN
issue-1112	58	19	services	service	NOUN
issue-1112	58	20	(	(	PUNCT
issue-1112	58	21	pk	pk	NOUN
issue-1112	58	22	senyo	senyo	NOUN
issue-1112	58	23	;	;	PUNCT
issue-1112	58	24	ellis	ellis	PROPN
issue-1112	58	25	l.c	l.c	PROPN
issue-1112	58	26	.	.	PROPN
issue-1112	58	27	osabutey	osabutey	PROPN
issue-1112	58	28	,	,	PUNCT
issue-1112	58	29	2020	2020	NUM
issue-1112	58	30	)	)	PUNCT
issue-1112	58	31	.	.	PUNCT
issue-1112	59	1	the	the	DET
issue-1112	59	2	paper	paper	NOUN
issue-1112	59	3	by	by	ADP
issue-1112	59	4	the	the	DET
issue-1112	59	5	turkish	turkish	ADJ
issue-1112	59	6	scientists	scientist	NOUN
issue-1112	59	7	investigates	investigate	VERB
issue-1112	59	8	the	the	DET
issue-1112	59	9	relationship	relationship	NOUN
issue-1112	59	10	between	between	ADP
issue-1112	59	11	financial	financial	ADJ
issue-1112	59	12	development	development	NOUN
issue-1112	59	13	,	,	PUNCT
issue-1112	59	14	financial	financial	ADJ
issue-1112	59	15	innovation	innovation	NOUN
issue-1112	59	16	,	,	PUNCT
issue-1112	59	17	and	and	CCONJ
issue-1112	59	18	economic	economic	ADJ
issue-1112	59	19	growth	growth	NOUN
issue-1112	59	20	using	use	VERB
issue-1112	59	21	a	a	DET
issue-1112	59	22	panel	panel	NOUN
issue-1112	59	23	data	datum	NOUN
issue-1112	59	24	analysis	analysis	NOUN
issue-1112	59	25	.	.	PUNCT
issue-1112	60	1	the	the	DET
issue-1112	60	2	sample	sample	NOUN
issue-1112	60	3	covers	cover	VERB
issue-1112	60	4	fifteen	fifteen	NUM
issue-1112	60	5	countries	country	NOUN
issue-1112	60	6	.	.	PUNCT
issue-1112	61	1	financial	financial	ADJ
issue-1112	61	2	development	development	NOUN
issue-1112	61	3	has	have	AUX
issue-1112	61	4	been	be	AUX
issue-1112	61	5	considered	consider	VERB
issue-1112	61	6	as	as	ADP
issue-1112	61	7	a	a	DET
issue-1112	61	8	composite	composite	ADJ
issue-1112	61	9	variable	variable	NOUN
issue-1112	61	10	consisting	consist	VERB
issue-1112	61	11	of	of	ADP
issue-1112	61	12	four	four	NUM
issue-1112	61	13	components	component	NOUN
issue-1112	61	14	:	:	PUNCT
issue-1112	61	15	financial	financial	ADJ
issue-1112	61	16	access	access	NOUN
issue-1112	61	17	,	,	PUNCT
issue-1112	61	18	financial	financial	ADJ
issue-1112	61	19	depth	depth	NOUN
issue-1112	61	20	,	,	PUNCT
issue-1112	61	21	financial	financial	ADJ
issue-1112	61	22	efficiency	efficiency	NOUN
issue-1112	61	23	,	,	PUNCT
issue-1112	61	24	and	and	CCONJ
issue-1112	61	25	financial	financial	ADJ
issue-1112	61	26	stability	stability	NOUN
issue-1112	61	27	.	.	PUNCT
issue-1112	62	1	the	the	DET
issue-1112	62	2	distinguishing	distinguish	VERB
issue-1112	62	3	feature	feature	NOUN
issue-1112	62	4	of	of	ADP
issue-1112	62	5	the	the	DET
issue-1112	62	6	paper	paper	NOUN
issue-1112	62	7	is	be	AUX
issue-1112	62	8	that	that	SCONJ
issue-1112	62	9	it	it	PRON
issue-1112	62	10	includes	include	VERB
issue-1112	62	11	financial	financial	ADJ
issue-1112	62	12	innovation	innovation	NOUN
issue-1112	62	13	as	as	ADP
issue-1112	62	14	another	another	DET
issue-1112	62	15	component	component	NOUN
issue-1112	62	16	of	of	ADP
issue-1112	62	17	financial	financial	ADJ
issue-1112	62	18	development	development	NOUN
issue-1112	62	19	in	in	ADP
issue-1112	62	20	addition	addition	NOUN
issue-1112	62	21	to	to	ADP
issue-1112	62	22	the	the	DET
issue-1112	62	23	cited	cite	VERB
issue-1112	62	24	four	four	NUM
issue-1112	62	25	.	.	PUNCT
issue-1112	63	1	the	the	DET
issue-1112	63	2	paper	paper	NOUN
issue-1112	63	3	concludes	conclude	VERB
issue-1112	63	4	that	that	SCONJ
issue-1112	63	5	both	both	PRON
issue-1112	63	6	financial	financial	ADJ
issue-1112	63	7	development	development	NOUN
issue-1112	63	8	and	and	CCONJ
issue-1112	63	9	financial	financial	ADJ
issue-1112	63	10	innovation	innovation	NOUN
issue-1112	63	11	have	have	VERB
issue-1112	63	12	significant	significant	ADJ
issue-1112	63	13	impact	impact	NOUN
issue-1112	63	14	on	on	ADP
issue-1112	63	15	economic	economic	ADJ
issue-1112	63	16	growth	growth	NOUN
issue-1112	63	17	(	(	PUNCT
issue-1112	63	18	ebubekir	ebubekir	PROPN
issue-1112	63	19	mollaahmetoğlu	mollaahmetoğlu	PROPN
issue-1112	63	20	;	;	PUNCT
issue-1112	63	21	burçay	burçay	PROPN
issue-1112	63	22	yaşar	yaşar	PROPN
issue-1112	63	23	akçalı	akçalı	PROPN
issue-1112	63	24	,	,	PUNCT
issue-1112	63	25	2019	2019	NUM
issue-1112	63	26	)	)	PUNCT
issue-1112	63	27	.	.	PUNCT
issue-1112	64	1	gang	gang	NOUN
issue-1112	64	2	-	-	PUNCT
issue-1112	64	3	jin	jin	PROPN
issue-1112	64	4	wang	wang	PROPN
issue-1112	64	5	,	,	PUNCT
issue-1112	64	6	yang	yang	PROPN
issue-1112	64	7	-	-	PUNCT
issue-1112	64	8	yang	yang	PROPN
issue-1112	64	9	chen	chen	PROPN
issue-1112	64	10	,	,	PUNCT
issue-1112	64	11	hui	hui	PROPN
issue-1112	64	12	-	-	PUNCT
issue-1112	64	13	bin	bin	PROPN
issue-1112	64	14	si	si	PROPN
issue-1112	64	15	,	,	PUNCT
issue-1112	64	16	chi	chi	PROPN
issue-1112	64	17	xie	xie	PROPN
issue-1112	64	18	,	,	PUNCT
issue-1112	64	19	julien	julien	PROPN
issue-1112	64	20	chevallier	chevallier	NOUN
issue-1112	64	21	(	(	PUNCT
issue-1112	64	22	china	china	PROPN
issue-1112	64	23	,	,	PUNCT
issue-1112	64	24	france	france	PROPN
issue-1112	64	25	)	)	PUNCT
issue-1112	64	26	propose	propose	VERB
issue-1112	64	27	the	the	DET
issue-1112	64	28	multilayer	multilayer	ADJ
issue-1112	64	29	information	information	NOUN
issue-1112	64	30	spillover	spillover	VERB
issue-1112	64	31	networks	network	NOUN
issue-1112	64	32	,	,	PUNCT
issue-1112	64	33	including	include	VERB
issue-1112	64	34	a	a	DET
issue-1112	64	35	return	return	NOUN
issue-1112	64	36	spillover	spillover	VERB
issue-1112	64	37	layer	layer	NOUN
issue-1112	64	38	,	,	PUNCT
issue-1112	64	39	a	a	DET
issue-1112	64	40	volatility	volatility	NOUN
issue-1112	64	41	spillover	spillover	VERB
issue-1112	64	42	layer	layer	NOUN
issue-1112	64	43	,	,	PUNCT
issue-1112	64	44	and	and	CCONJ
issue-1112	64	45	an	an	DET
issue-1112	64	46	extreme	extreme	ADJ
issue-1112	64	47	risk	risk	NOUN
issue-1112	64	48	spillover	spillover	VERB
issue-1112	64	49	layer	layer	NOUN
issue-1112	64	50	in	in	ADP
issue-1112	64	51	the	the	DET
issue-1112	64	52	variance	variance	NOUN
issue-1112	64	53	decomposition	decomposition	NOUN
issue-1112	64	54	framework	framework	NOUN
issue-1112	64	55	for	for	ADP
issue-1112	64	56	comprehensively	comprehensively	ADV
issue-1112	64	57	investigating	investigate	VERB
issue-1112	64	58	the	the	DET
issue-1112	64	59	information	information	NOUN
issue-1112	64	60	spillovers	spillover	NOUN
issue-1112	64	61	and	and	CCONJ
issue-1112	64	62	connectedness	connectedness	NOUN
issue-1112	64	63	among	among	ADP
issue-1112	64	64	30	30	NUM
issue-1112	64	65	chinese	chinese	ADJ
issue-1112	64	66	financial	financial	ADJ
issue-1112	64	67	institutions	institution	NOUN
issue-1112	64	68	(	(	PUNCT
issue-1112	64	69	i.e.	i.e.	X
issue-1112	64	70	,	,	PUNCT
issue-1112	64	71	banks	bank	NOUN
issue-1112	64	72	,	,	PUNCT
issue-1112	64	73	securities	security	NOUN
issue-1112	64	74	,	,	PUNCT
issue-1112	64	75	and	and	CCONJ
issue-1112	64	76	insurers	insurer	NOUN
issue-1112	64	77	)	)	PUNCT
issue-1112	64	78	.	.	PUNCT
issue-1112	65	1	they	they	PRON
issue-1112	65	2	analyse	analyse	VERB
issue-1112	65	3	the	the	DET
issue-1112	65	4	topological	topological	ADJ
issue-1112	65	5	characteristics	characteristic	NOUN
issue-1112	65	6	of	of	ADP
issue-1112	65	7	static	static	ADJ
issue-1112	65	8	and	and	CCONJ
issue-1112	65	9	dynamic	dynamic	ADJ
issue-1112	65	10	multilayer	multilayer	ADJ
issue-1112	65	11	networks	network	NOUN
issue-1112	65	12	at	at	ADP
issue-1112	65	13	the	the	DET
issue-1112	65	14	system	system	NOUN
issue-1112	65	15	and	and	CCONJ
issue-1112	65	16	institution	institution	NOUN
issue-1112	65	17	levels	level	NOUN
issue-1112	65	18	(	(	PUNCT
issue-1112	65	19	gang	gang	NOUN
issue-1112	65	20	-	-	PUNCT
issue-1112	65	21	jin	jin	NOUN
issue-1112	65	22	wang	wang	PROPN
issue-1112	65	23	,	,	PUNCT
issue-1112	65	24	yang	yang	PROPN
issue-1112	65	25	-	-	PUNCT
issue-1112	65	26	yang	yang	PROPN
issue-1112	65	27	chen	chen	PROPN
issue-1112	65	28	,	,	PUNCT
issue-1112	65	29	hui	hui	PROPN
issue-1112	65	30	-	-	PUNCT
issue-1112	65	31	bin	bin	PROPN
issue-1112	65	32	si	si	PROPN
issue-1112	65	33	,	,	PUNCT
issue-1112	65	34	chi	chi	PROPN
issue-1112	65	35	xie	xie	PROPN
issue-1112	65	36	,	,	PUNCT
issue-1112	65	37	julien	julien	PROPN
issue-1112	65	38	chevallier	chevallier	NOUN
issue-1112	65	39	,	,	PUNCT
issue-1112	65	40	2021	2021	NUM
issue-1112	65	41	)	)	PUNCT
issue-1112	65	42	.	.	PUNCT
issue-1112	66	1	the	the	DET
issue-1112	66	2	brazilian	brazilian	ADJ
issue-1112	66	3	scientists	scientist	NOUN
issue-1112	66	4	analyse	analyse	VERB
issue-1112	66	5	the	the	DET
issue-1112	66	6	relationships	relationship	NOUN
issue-1112	66	7	among	among	ADP
issue-1112	66	8	innovation	innovation	NOUN
issue-1112	66	9	efforts	effort	NOUN
issue-1112	66	10	,	,	PUNCT
issue-1112	66	11	the	the	DET
issue-1112	66	12	impacts	impact	NOUN
issue-1112	66	13	of	of	ADP
issue-1112	66	14	these	these	DET
issue-1112	66	15	innovations	innovation	NOUN
issue-1112	66	16	,	,	PUNCT
issue-1112	66	17	and	and	CCONJ
issue-1112	66	18	the	the	DET
issue-1112	66	19	financial	financial	ADJ
issue-1112	66	20	performance	performance	NOUN
issue-1112	66	21	of	of	ADP
issue-1112	66	22	brazilian	brazilian	ADJ
issue-1112	66	23	companies	company	NOUN
issue-1112	66	24	.	.	PUNCT
issue-1112	67	1	they	they	PRON
issue-1112	67	2	hypothesize	hypothesize	VERB
issue-1112	67	3	that	that	SCONJ
issue-1112	67	4	innovation	innovation	NOUN
issue-1112	67	5	efforts	effort	NOUN
issue-1112	67	6	do	do	AUX
issue-1112	67	7	not	not	PART
issue-1112	67	8	directly	directly	ADV
issue-1112	67	9	transform	transform	VERB
issue-1112	67	10	into	into	ADP
issue-1112	67	11	financial	financial	ADJ
issue-1112	67	12	performance	performance	NOUN
issue-1112	67	13	.	.	PUNCT
issue-1112	68	1	due	due	ADP
issue-1112	68	2	to	to	ADP
issue-1112	68	3	the	the	DET
issue-1112	68	4	inherent	inherent	ADJ
issue-1112	68	5	uncertainty	uncertainty	NOUN
issue-1112	68	6	of	of	ADP
issue-1112	68	7	innovative	innovative	ADJ
issue-1112	68	8	projects	project	NOUN
issue-1112	68	9	,	,	PUNCT
issue-1112	68	10	such	such	ADJ
issue-1112	68	11	efforts	effort	NOUN
issue-1112	68	12	must	must	AUX
issue-1112	68	13	first	first	ADV
issue-1112	68	14	lead	lead	VERB
issue-1112	68	15	to	to	ADP
issue-1112	68	16	effective	effective	ADJ
issue-1112	68	17	innovation	innovation	NOUN
issue-1112	68	18	results	result	NOUN
issue-1112	68	19	or	or	CCONJ
issue-1112	68	20	impacts	impact	NOUN
issue-1112	68	21	before	before	SCONJ
issue-1112	68	22	they	they	PRON
issue-1112	68	23	are	be	AUX
issue-1112	68	24	capable	capable	ADJ
issue-1112	68	25	of	of	ADP
issue-1112	68	26	contributing	contribute	VERB
issue-1112	68	27	to	to	ADP
issue-1112	68	28	a	a	DET
issue-1112	68	29	company	company	NOUN
issue-1112	68	30	’s	’s	PART
issue-1112	68	31	financial	financial	ADJ
issue-1112	68	32	performance	performance	NOUN
issue-1112	68	33	(	(	PUNCT
issue-1112	68	34	juliana	juliana	PROPN
issue-1112	68	35	albuquerquer	albuquerquer	PROPN
issue-1112	68	36	saliba	saliba	PROPN
issue-1112	68	37	de	de	PROPN
issue-1112	68	38	oliveira	oliveira	PROPN
issue-1112	68	39	;	;	PUNCT
issue-1112	68	40	leonardo	leonardo	PROPN
issue-1112	68	41	fernando	fernando	PROPN
issue-1112	68	42	cruz	cruz	PROPN
issue-1112	68	43	basso	basso	PROPN
issue-1112	68	44	;	;	PUNCT
issue-1112	68	45	herbert	herbert	PROPN
issue-1112	68	46	kimura	kimura	PROPN
issue-1112	68	47	;	;	PUNCT
issue-1112	68	48	vinicius	vinicius	PROPN
issue-1112	68	49	amorim	amorim	PROPN
issue-1112	68	50	sobreiro	sobreiro	PROPN
issue-1112	68	51	,	,	PUNCT
issue-1112	68	52	2018	2018	NUM
issue-1112	68	53	)	)	PUNCT
issue-1112	68	54	.	.	PUNCT
issue-1112	69	1	3	3	X
issue-1112	69	2	.	.	X
issue-1112	69	3	definitions	definition	NOUN
issue-1112	69	4	and	and	CCONJ
issue-1112	69	5	features	feature	NOUN
issue-1112	69	6	of	of	ADP
issue-1112	69	7	financial	financial	ADJ
issue-1112	69	8	innovations	innovation	NOUN
issue-1112	69	9	financial	financial	ADJ
issue-1112	69	10	innovations	innovation	NOUN
issue-1112	69	11	are	be	AUX
issue-1112	69	12	not	not	PART
issue-1112	69	13	a	a	DET
issue-1112	69	14	new	new	ADJ
issue-1112	69	15	phenomenon	phenomenon	NOUN
issue-1112	69	16	,	,	PUNCT
issue-1112	69	17	as	as	SCONJ
issue-1112	69	18	they	they	PRON
issue-1112	69	19	have	have	AUX
issue-1112	69	20	been	be	AUX
issue-1112	69	21	accompanying	accompany	VERB
issue-1112	69	22	the	the	DET
issue-1112	69	23	technological	technological	ADJ
issue-1112	69	24	innovations	innovation	NOUN
issue-1112	69	25	from	from	ADP
issue-1112	69	26	the	the	DET
issue-1112	69	27	very	very	ADJ
issue-1112	69	28	beginning	beginning	NOUN
issue-1112	69	29	.	.	PUNCT
issue-1112	70	1	it	it	PRON
issue-1112	70	2	is	be	AUX
issue-1112	70	3	commonly	commonly	ADV
issue-1112	70	4	known	know	VERB
issue-1112	70	5	that	that	SCONJ
issue-1112	70	6	financial	financial	ADJ
issue-1112	70	7	and	and	CCONJ
issue-1112	70	8	technical	technical	ADJ
issue-1112	70	9	innovations	innovation	NOUN
issue-1112	70	10	are	be	AUX
issue-1112	70	11	bound	bind	VERB
issue-1112	70	12	together	together	ADV
issue-1112	70	13	and	and	CCONJ
issue-1112	70	14	they	they	PRON
issue-1112	70	15	evolve	evolve	VERB
issue-1112	70	16	together	together	ADV
issue-1112	70	17	over	over	ADP
issue-1112	70	18	a	a	DET
issue-1112	70	19	time	time	NOUN
issue-1112	70	20	.	.	PUNCT
issue-1112	71	1	on	on	ADP
issue-1112	71	2	the	the	DET
issue-1112	71	3	one	one	NUM
issue-1112	71	4	hand	hand	NOUN
issue-1112	71	5	,	,	PUNCT
issue-1112	71	6	the	the	DET
issue-1112	71	7	financial	financial	ADJ
issue-1112	71	8	innovations	innovation	NOUN
issue-1112	71	9	provide	provide	VERB
issue-1112	71	10	a	a	DET
issue-1112	71	11	mechanism	mechanism	NOUN
issue-1112	71	12	to	to	PART
issue-1112	71	13	finance	finance	VERB
issue-1112	71	14	innovative	innovative	ADJ
issue-1112	71	15	technological	technological	ADJ
issue-1112	71	16	projects	project	NOUN
issue-1112	71	17	when	when	SCONJ
issue-1112	71	18	traditional	traditional	ADJ
issue-1112	71	19	sources	source	NOUN
issue-1112	71	20	of	of	ADP
issue-1112	71	21	funds	fund	NOUN
issue-1112	71	22	are	be	AUX
issue-1112	71	23	unavailable	unavailable	ADJ
issue-1112	71	24	due	due	ADP
issue-1112	71	25	to	to	ADP
issue-1112	71	26	the	the	DET
issue-1112	71	27	high	high	ADJ
issue-1112	71	28	investment	investment	NOUN
issue-1112	71	29	risk	risk	NOUN
issue-1112	71	30	.	.	PUNCT
issue-1112	72	1	on	on	ADP
issue-1112	72	2	the	the	DET
issue-1112	72	3	other	other	ADJ
issue-1112	72	4	hand	hand	NOUN
issue-1112	72	5	,	,	PUNCT
issue-1112	72	6	the	the	DET
issue-1112	72	7	technological	technological	ADJ
issue-1112	72	8	and	and	CCONJ
issue-1112	72	9	economic	economic	ADJ
issue-1112	72	10	progress	progress	NOUN
issue-1112	72	11	resulting	result	VERB
issue-1112	72	12	in	in	ADP
issue-1112	72	13	the	the	DET
issue-1112	72	14	higher	high	ADJ
issue-1112	72	15	complexity	complexity	NOUN
issue-1112	72	16	of	of	ADP
issue-1112	72	17	business	business	NOUN
issue-1112	72	18	processes	process	NOUN
issue-1112	72	19	and	and	CCONJ
issue-1112	72	20	new	new	ADJ
issue-1112	72	21	types	type	NOUN
issue-1112	72	22	of	of	ADP
issue-1112	72	23	risk	risk	NOUN
issue-1112	72	24	forces	force	NOUN
issue-1112	72	25	the	the	DET
issue-1112	72	26	financial	financial	ADJ
issue-1112	72	27	system	system	NOUN
issue-1112	72	28	and	and	CCONJ
issue-1112	72	29	financial	financial	ADJ
issue-1112	72	30	markets	market	NOUN
issue-1112	72	31	to	to	PART
issue-1112	72	32	adapt	adapt	VERB
issue-1112	72	33	to	to	ADP
issue-1112	72	34	the	the	DET
issue-1112	72	35	changes	change	NOUN
issue-1112	72	36	,	,	PUNCT
issue-1112	72	37	to	to	PART
issue-1112	72	38	be	be	AUX
issue-1112	72	39	modernized	modernize	VERB
issue-1112	72	40	according	accord	VERB
issue-1112	72	41	to	to	ADP
issue-1112	72	42	the	the	DET
issue-1112	72	43	new	new	ADJ
issue-1112	72	44	requirements	requirement	NOUN
issue-1112	72	45	of	of	ADP
issue-1112	72	46	the	the	DET
issue-1112	72	47	business	business	NOUN
issue-1112	72	48	entities	entity	NOUN
issue-1112	72	49	and	and	CCONJ
issue-1112	72	50	to	to	ADP
issue-1112	72	51	the	the	DET
issue-1112	72	52	challenges	challenge	NOUN
issue-1112	72	53	of	of	ADP
issue-1112	72	54	the	the	DET
issue-1112	72	55	modern	modern	ADJ
issue-1112	72	56	world	world	NOUN
issue-1112	72	57	.	.	PUNCT
issue-1112	73	1	this	this	PRON
issue-1112	73	2	leads	lead	VERB
issue-1112	73	3	to	to	ADP
issue-1112	73	4	the	the	DET
issue-1112	73	5	conclusion	conclusion	NOUN
issue-1112	73	6	that	that	SCONJ
issue-1112	73	7	without	without	ADP
issue-1112	73	8	financial	financial	ADJ
issue-1112	73	9	innovations	innovation	NOUN
issue-1112	73	10	,	,	PUNCT
issue-1112	73	11	the	the	DET
issue-1112	73	12	technological	technological	ADJ
issue-1112	73	13	and	and	CCONJ
issue-1112	73	14	economic	economic	ADJ
issue-1112	73	15	development	development	NOUN
issue-1112	73	16	would	would	AUX
issue-1112	73	17	slow	slow	VERB
issue-1112	73	18	down	down	ADP
issue-1112	73	19	and	and	CCONJ
issue-1112	73	20	the	the	DET
issue-1112	73	21	wealth	wealth	NOUN
issue-1112	73	22	of	of	ADP
issue-1112	73	23	nations	nation	NOUN
issue-1112	73	24	would	would	AUX
issue-1112	73	25	be	be	AUX
issue-1112	73	26	lower	low	ADJ
issue-1112	73	27	.	.	PUNCT
issue-1112	74	1	at	at	ADP
issue-1112	74	2	the	the	DET
issue-1112	74	3	same	same	ADJ
issue-1112	74	4	time	time	NOUN
issue-1112	74	5	,	,	PUNCT
issue-1112	74	6	the	the	DET
issue-1112	74	7	application	application	NOUN
issue-1112	74	8	of	of	ADP
issue-1112	74	9	the	the	DET
issue-1112	74	10	financial	financial	ADJ
issue-1112	74	11	innovations	innovation	NOUN
issue-1112	74	12	would	would	AUX
issue-1112	74	13	be	be	AUX
issue-1112	74	14	limited	limit	VERB
issue-1112	74	15	without	without	ADP
issue-1112	74	16	the	the	DET
issue-1112	74	17	demand	demand	NOUN
issue-1112	74	18	arising	arise	VERB
issue-1112	74	19	from	from	ADP
issue-1112	74	20	the	the	DET
issue-1112	74	21	technical	technical	ADJ
issue-1112	74	22	progress	progress	NOUN
issue-1112	74	23	(	(	PUNCT
issue-1112	74	24	błach	błach	NOUN
issue-1112	74	25	,	,	PUNCT
issue-1112	74	26	joanna	joanna	PROPN
issue-1112	74	27	,	,	PUNCT
issue-1112	74	28	2011	2011	NUM
issue-1112	74	29	)	)	PUNCT
issue-1112	74	30	.	.	PUNCT
issue-1112	75	1	as	as	SCONJ
issue-1112	75	2	there	there	PRON
issue-1112	75	3	are	be	VERB
issue-1112	75	4	no	no	DET
issue-1112	75	5	unified	unified	ADJ
issue-1112	75	6	definitions	definition	NOUN
issue-1112	75	7	of	of	ADP
issue-1112	75	8	the	the	DET
issue-1112	75	9	financial	financial	ADJ
issue-1112	75	10	innovations	innovation	NOUN
issue-1112	75	11	,	,	PUNCT
issue-1112	75	12	like	like	ADP
issue-1112	75	13	in	in	ADP
issue-1112	75	14	the	the	DET
issue-1112	75	15	case	case	NOUN
issue-1112	75	16	of	of	ADP
issue-1112	75	17	the	the	DET
issue-1112	75	18	technological	technological	ADJ
issue-1112	75	19	ones	one	NOUN
issue-1112	75	20	,	,	PUNCT
issue-1112	75	21	the	the	DET
issue-1112	75	22	systematization	systematization	NOUN
issue-1112	75	23	of	of	ADP
issue-1112	75	24	this	this	DET
issue-1112	75	25	term	term	NOUN
issue-1112	75	26	is	be	AUX
issue-1112	75	27	required	require	VERB
issue-1112	75	28	.	.	PUNCT
issue-1112	76	1	in	in	ADP
issue-1112	76	2	most	most	ADJ
issue-1112	76	3	of	of	ADP
issue-1112	76	4	the	the	DET
issue-1112	76	5	applied	applied	ADJ
issue-1112	76	6	definitions	definition	NOUN
issue-1112	76	7	,	,	PUNCT
issue-1112	76	8	the	the	DET
issue-1112	76	9	financial	financial	ADJ
issue-1112	76	10	innovations	innovation	NOUN
issue-1112	76	11	are	be	AUX
issue-1112	76	12	presented	present	VERB
issue-1112	76	13	in	in	ADP
issue-1112	76	14	the	the	DET
issue-1112	76	15	narrow	narrow	ADJ
issue-1112	76	16	meaning	meaning	NOUN
issue-1112	76	17	,	,	PUNCT
issue-1112	76	18	as	as	SCONJ
issue-1112	76	19	mainly	mainly	ADV
issue-1112	76	20	the	the	DET
issue-1112	76	21	product	product	NOUN
issue-1112	76	22	innovations	innovation	NOUN
issue-1112	76	23	are	be	AUX
issue-1112	76	24	described	describe	VERB
issue-1112	76	25	(	(	PUNCT
issue-1112	76	26	some	some	PRON
issue-1112	76	27	of	of	ADP
issue-1112	76	28	the	the	DET
issue-1112	76	29	most	most	ADV
issue-1112	76	30	popular	popular	ADJ
issue-1112	76	31	definition	definition	NOUN
issue-1112	76	32	of	of	ADP
issue-1112	76	33	financial	financial	ADJ
issue-1112	76	34	innovations	innovation	NOUN
issue-1112	76	35	are	be	AUX
issue-1112	76	36	presented	present	VERB
issue-1112	76	37	in	in	ADP
issue-1112	76	38	:	:	PUNCT
issue-1112	76	39	al	al	PROPN
issue-1112	76	40	-	-	PUNCT
issue-1112	76	41	kaber	kaber	PROPN
issue-1112	76	42	,	,	PUNCT
issue-1112	76	43	2010	2010	NUM
issue-1112	76	44	,	,	PUNCT
issue-1112	76	45	p.	p.	NOUN
issue-1112	76	46	135–136	135–136	NUM
issue-1112	76	47	;	;	PUNCT
issue-1112	76	48	anderloni	anderloni	NOUN
issue-1112	76	49	and	and	CCONJ
issue-1112	76	50	bongini	bongini	NOUN
issue-1112	76	51	,	,	PUNCT
issue-1112	76	52	2009	2009	NUM
issue-1112	76	53	,	,	PUNCT
issue-1112	76	54	p.	p.	NOUN
issue-1112	76	55	41–43	41–43	NUM
issue-1112	76	56	;	;	PUNCT
issue-1112	76	57	fabozzi	fabozzi	NOUN
issue-1112	76	58	and	and	CCONJ
issue-1112	76	59	modigliani	modigliani	NOUN
issue-1112	76	60	,	,	PUNCT
issue-1112	76	61	2003	2003	NUM
issue-1112	76	62	,	,	PUNCT
issue-1112	76	63	p.	p.	PROPN
issue-1112	76	64	27–28	27–28	NUM
issue-1112	76	65	;	;	PUNCT
issue-1112	76	66	frame	frame	NOUN
issue-1112	76	67	and	and	CCONJ
issue-1112	76	68	white	white	ADJ
issue-1112	76	69	,	,	PUNCT
issue-1112	76	70	2009	2009	NUM
issue-1112	76	71	,	,	PUNCT
issue-1112	76	72	p.	p.	NOUN
issue-1112	76	73	3	3	NUM
issue-1112	76	74	)	)	PUNCT
issue-1112	76	75	.	.	PUNCT
issue-1112	77	1	by	by	ADP
issue-1112	77	2	the	the	DET
issue-1112	77	3	analysis	analysis	NOUN
issue-1112	77	4	of	of	ADP
issue-1112	77	5	these	these	DET
issue-1112	77	6	definitions	definition	NOUN
issue-1112	77	7	,	,	PUNCT
issue-1112	77	8	the	the	DET
issue-1112	77	9	main	main	ADJ
issue-1112	77	10	features	feature	NOUN
issue-1112	77	11	of	of	ADP
issue-1112	77	12	the	the	DET
issue-1112	77	13	product	product	NOUN
issue-1112	77	14	of	of	ADP
issue-1112	77	15	financial	financial	ADJ
issue-1112	77	16	innovations	innovation	NOUN
issue-1112	77	17	can	can	AUX
issue-1112	77	18	be	be	AUX
issue-1112	77	19	listed	list	VERB
issue-1112	77	20	as	as	SCONJ
issue-1112	77	21	follows	follow	VERB
issue-1112	77	22	:	:	PUNCT
issue-1112	77	23	1	1	X
issue-1112	77	24	)	)	PUNCT
issue-1112	77	25	they	they	PRON
issue-1112	77	26	can	can	AUX
issue-1112	77	27	be	be	AUX
issue-1112	77	28	entirely	entirely	ADV
issue-1112	77	29	new	new	ADJ
issue-1112	77	30	solutions	solution	NOUN
issue-1112	77	31	or	or	CCONJ
issue-1112	77	32	just	just	ADV
issue-1112	77	33	traditional	traditional	ADJ
issue-1112	77	34	instruments	instrument	NOUN
issue-1112	77	35	in	in	ADP
issue-1112	77	36	which	which	PRON
issue-1112	77	37	new	new	ADJ
issue-1112	77	38	elements	element	NOUN
issue-1112	77	39	of	of	ADP
issue-1112	77	40	construction	construction	NOUN
issue-1112	77	41	have	have	AUX
issue-1112	77	42	been	be	AUX
issue-1112	77	43	introduced	introduce	VERB
issue-1112	77	44	improving	improve	VERB
issue-1112	77	45	their	their	PRON
issue-1112	77	46	liquidity	liquidity	NOUN
issue-1112	77	47	and	and	CCONJ
issue-1112	77	48	baltic	baltic	ADJ
issue-1112	77	49	journal	journal	NOUN
issue-1112	77	50	of	of	ADP
issue-1112	77	51	economic	economic	ADJ
issue-1112	77	52	studies	study	NOUN
issue-1112	77	53	191	191	NUM
issue-1112	77	54	vol	vol	NOUN
issue-1112	77	55	.	.	PROPN
issue-1112	78	1	7	7	NUM
issue-1112	79	1	no	no	NOUN
issue-1112	79	2	.	.	NOUN
issue-1112	79	3	2	2	NUM
issue-1112	79	4	,	,	PUNCT
issue-1112	79	5	2021	2021	NUM
issue-1112	79	6	increasing	increase	VERB
issue-1112	79	7	the	the	DET
issue-1112	79	8	number	number	NOUN
issue-1112	79	9	of	of	ADP
issue-1112	79	10	their	their	PRON
issue-1112	79	11	potential	potential	ADJ
issue-1112	79	12	applications	application	NOUN
issue-1112	79	13	as	as	SCONJ
issue-1112	79	14	they	they	PRON
issue-1112	79	15	are	be	AUX
issue-1112	79	16	better	well	ADV
issue-1112	79	17	suited	suited	ADJ
issue-1112	79	18	to	to	ADP
issue-1112	79	19	the	the	DET
issue-1112	79	20	circumstances	circumstance	NOUN
issue-1112	79	21	of	of	ADP
issue-1112	79	22	the	the	DET
issue-1112	79	23	time	time	NOUN
issue-1112	79	24	;	;	PUNCT
issue-1112	79	25	2	2	X
issue-1112	79	26	)	)	PUNCT
issue-1112	79	27	they	they	PRON
issue-1112	79	28	can	can	AUX
issue-1112	79	29	be	be	AUX
issue-1112	79	30	used	use	VERB
issue-1112	79	31	as	as	ADP
issue-1112	79	32	substitutes	substitute	NOUN
issue-1112	79	33	to	to	ADP
issue-1112	79	34	the	the	DET
issue-1112	79	35	traditional	traditional	ADJ
issue-1112	79	36	financial	financial	ADJ
issue-1112	79	37	instruments	instrument	NOUN
issue-1112	79	38	improving	improve	VERB
issue-1112	79	39	the	the	DET
issue-1112	79	40	financial	financial	ADJ
issue-1112	79	41	situation	situation	NOUN
issue-1112	79	42	of	of	ADP
issue-1112	79	43	the	the	DET
issue-1112	79	44	business	business	NOUN
issue-1112	79	45	entities	entity	NOUN
issue-1112	79	46	using	use	VERB
issue-1112	79	47	them	they	PRON
issue-1112	79	48	;	;	PUNCT
issue-1112	79	49	3	3	X
issue-1112	79	50	)	)	PUNCT
issue-1112	79	51	they	they	PRON
issue-1112	79	52	can	can	AUX
issue-1112	79	53	not	not	PART
issue-1112	79	54	be	be	AUX
issue-1112	79	55	easily	easily	ADV
issue-1112	79	56	assigned	assign	VERB
issue-1112	79	57	to	to	ADP
issue-1112	79	58	one	one	NUM
issue-1112	79	59	particular	particular	ADJ
issue-1112	79	60	segment	segment	NOUN
issue-1112	79	61	of	of	ADP
issue-1112	79	62	the	the	DET
issue-1112	79	63	financial	financial	ADJ
issue-1112	79	64	market	market	NOUN
issue-1112	79	65	;	;	PUNCT
issue-1112	79	66	4	4	X
issue-1112	79	67	)	)	PUNCT
issue-1112	79	68	they	they	PRON
issue-1112	79	69	can	can	AUX
issue-1112	79	70	be	be	AUX
issue-1112	79	71	used	use	VERB
issue-1112	79	72	to	to	PART
issue-1112	79	73	hedge	hedge	VERB
issue-1112	79	74	against	against	ADP
issue-1112	79	75	the	the	DET
issue-1112	79	76	intensive	intensive	ADJ
issue-1112	79	77	volatility	volatility	NOUN
issue-1112	79	78	of	of	ADP
issue-1112	79	79	the	the	DET
issue-1112	79	80	market	market	NOUN
issue-1112	79	81	parameters	parameter	NOUN
issue-1112	79	82	;	;	PUNCT
issue-1112	79	83	5	5	X
issue-1112	79	84	)	)	PUNCT
issue-1112	79	85	they	they	PRON
issue-1112	79	86	can	can	AUX
issue-1112	79	87	be	be	AUX
issue-1112	79	88	used	use	VERB
issue-1112	79	89	in	in	ADP
issue-1112	79	90	a	a	DET
issue-1112	79	91	form	form	NOUN
issue-1112	79	92	of	of	ADP
issue-1112	79	93	complex	complex	ADJ
issue-1112	79	94	instruments	instrument	NOUN
issue-1112	79	95	including	include	VERB
issue-1112	79	96	several	several	ADJ
issue-1112	79	97	simple	simple	ADJ
issue-1112	79	98	,	,	PUNCT
issue-1112	79	99	traditional	traditional	ADJ
issue-1112	79	100	financial	financial	ADJ
issue-1112	79	101	instruments	instrument	NOUN
issue-1112	79	102	;	;	PUNCT
issue-1112	79	103	6	6	X
issue-1112	79	104	)	)	PUNCT
issue-1112	79	105	they	they	PRON
issue-1112	79	106	can	can	AUX
issue-1112	79	107	be	be	AUX
issue-1112	79	108	used	use	VERB
issue-1112	79	109	in	in	ADP
issue-1112	79	110	a	a	DET
issue-1112	79	111	form	form	NOUN
issue-1112	79	112	of	of	ADP
issue-1112	79	113	new	new	ADJ
issue-1112	79	114	financial	financial	ADJ
issue-1112	79	115	processes	process	NOUN
issue-1112	79	116	or	or	CCONJ
issue-1112	79	117	techniques	technique	NOUN
issue-1112	79	118	or	or	CCONJ
issue-1112	79	119	new	new	ADJ
issue-1112	79	120	strategies	strategy	NOUN
issue-1112	79	121	that	that	PRON
issue-1112	79	122	primary	primary	ADJ
issue-1112	79	123	use	use	NOUN
issue-1112	79	124	these	these	DET
issue-1112	79	125	new	new	ADJ
issue-1112	79	126	products	product	NOUN
issue-1112	79	127	.	.	PUNCT
issue-1112	80	1	thus	thus	ADV
issue-1112	80	2	,	,	PUNCT
issue-1112	80	3	to	to	PART
issue-1112	80	4	summarize	summarize	VERB
issue-1112	80	5	the	the	DET
issue-1112	80	6	conclusion	conclusion	NOUN
issue-1112	80	7	–	–	PUNCT
issue-1112	80	8	the	the	DET
issue-1112	80	9	term	term	NOUN
issue-1112	80	10	“	"	PUNCT
issue-1112	80	11	financial	financial	ADJ
issue-1112	80	12	innovations	innovation	NOUN
issue-1112	80	13	”	"	PUNCT
issue-1112	80	14	can	can	AUX
issue-1112	80	15	be	be	AUX
issue-1112	80	16	applied	apply	VERB
issue-1112	80	17	in	in	ADP
issue-1112	80	18	two	two	NUM
issue-1112	80	19	meanings	meaning	NOUN
issue-1112	80	20	:	:	PUNCT
issue-1112	80	21	1	1	NUM
issue-1112	80	22	)	)	PUNCT
issue-1112	80	23	according	accord	VERB
issue-1112	80	24	to	to	ADP
issue-1112	80	25	the	the	DET
issue-1112	80	26	narrow	narrow	ADJ
issue-1112	80	27	approach	approach	NOUN
issue-1112	80	28	,	,	PUNCT
issue-1112	80	29	the	the	DET
issue-1112	80	30	financial	financial	ADJ
issue-1112	80	31	innovations	innovation	NOUN
issue-1112	80	32	are	be	AUX
issue-1112	80	33	defined	define	VERB
issue-1112	80	34	as	as	ADP
issue-1112	80	35	any	any	DET
issue-1112	80	36	new	new	ADJ
issue-1112	80	37	developments	development	NOUN
issue-1112	80	38	in	in	ADP
issue-1112	80	39	financial	financial	ADJ
issue-1112	80	40	instruments	instrument	NOUN
issue-1112	80	41	(	(	PUNCT
issue-1112	80	42	entirely	entirely	ADV
issue-1112	80	43	new	new	ADJ
issue-1112	80	44	instruments	instrument	NOUN
issue-1112	80	45	,	,	PUNCT
issue-1112	80	46	combination	combination	NOUN
issue-1112	80	47	of	of	ADP
issue-1112	80	48	traditional	traditional	ADJ
issue-1112	80	49	instruments	instrument	NOUN
issue-1112	80	50	,	,	PUNCT
issue-1112	80	51	modification	modification	NOUN
issue-1112	80	52	of	of	ADP
issue-1112	80	53	traditional	traditional	ADJ
issue-1112	80	54	instruments	instrument	NOUN
issue-1112	80	55	,	,	PUNCT
issue-1112	80	56	new	new	ADJ
issue-1112	80	57	application	application	NOUN
issue-1112	80	58	of	of	ADP
issue-1112	80	59	existing	exist	VERB
issue-1112	80	60	instruments	instrument	NOUN
issue-1112	80	61	,	,	PUNCT
issue-1112	80	62	etc	etc	X
issue-1112	80	63	.	.	X
issue-1112	80	64	)	)	PUNCT
issue-1112	80	65	,	,	PUNCT
issue-1112	80	66	2	2	X
issue-1112	80	67	)	)	PUNCT
issue-1112	80	68	according	accord	VERB
issue-1112	80	69	to	to	ADP
issue-1112	80	70	the	the	DET
issue-1112	80	71	broad	broad	ADJ
issue-1112	80	72	approach	approach	NOUN
issue-1112	80	73	,	,	PUNCT
issue-1112	80	74	the	the	DET
issue-1112	80	75	financial	financial	ADJ
issue-1112	80	76	innovations	innovation	NOUN
issue-1112	80	77	include	include	VERB
issue-1112	80	78	any	any	DET
issue-1112	80	79	new	new	ADJ
issue-1112	80	80	developments	development	NOUN
issue-1112	80	81	in	in	ADP
issue-1112	80	82	any	any	DET
issue-1112	80	83	elements	element	NOUN
issue-1112	80	84	of	of	ADP
issue-1112	80	85	the	the	DET
issue-1112	80	86	financial	financial	ADJ
issue-1112	80	87	system	system	NOUN
issue-1112	80	88	(	(	PUNCT
issue-1112	80	89	markets	market	NOUN
issue-1112	80	90	,	,	PUNCT
issue-1112	80	91	institutions	institution	NOUN
issue-1112	80	92	,	,	PUNCT
issue-1112	80	93	instruments	instrument	NOUN
issue-1112	80	94	and	and	CCONJ
issue-1112	80	95	regulations	regulation	NOUN
issue-1112	80	96	)	)	PUNCT
issue-1112	80	97	(	(	PUNCT
issue-1112	80	98	błach	błach	ADV
issue-1112	80	99	,	,	PUNCT
issue-1112	80	100	joanna	joanna	PROPN
issue-1112	80	101	,	,	PUNCT
issue-1112	80	102	2011	2011	NUM
issue-1112	80	103	)	)	PUNCT
issue-1112	80	104	.	.	PUNCT
issue-1112	81	1	the	the	DET
issue-1112	81	2	interpretation	interpretation	NOUN
issue-1112	81	3	of	of	ADP
issue-1112	81	4	the	the	DET
issue-1112	81	5	essence	essence	NOUN
issue-1112	81	6	of	of	ADP
issue-1112	81	7	financial	financial	ADJ
issue-1112	81	8	innovations	innovation	NOUN
issue-1112	81	9	is	be	AUX
issue-1112	81	10	presented	present	VERB
issue-1112	81	11	in	in	ADP
issue-1112	81	12	figure	figure	NOUN
issue-1112	81	13	1	1	NUM
issue-1112	81	14	.	.	PUNCT
issue-1112	82	1	there	there	PRON
issue-1112	82	2	are	be	VERB
issue-1112	82	3	many	many	ADJ
issue-1112	82	4	approaches	approach	NOUN
issue-1112	82	5	to	to	ADP
issue-1112	82	6	the	the	DET
issue-1112	82	7	classification	classification	NOUN
issue-1112	82	8	of	of	ADP
issue-1112	82	9	financial	financial	ADJ
issue-1112	82	10	innovations	innovation	NOUN
issue-1112	82	11	.	.	PUNCT
issue-1112	83	1	among	among	ADP
issue-1112	83	2	the	the	DET
issue-1112	83	3	most	most	ADV
issue-1112	83	4	common	common	ADJ
issue-1112	83	5	classification	classification	NOUN
issue-1112	83	6	criteria	criterion	NOUN
issue-1112	83	7	are	be	AUX
issue-1112	83	8	the	the	DET
issue-1112	83	9	following	follow	VERB
issue-1112	83	10	:	:	PUNCT
issue-1112	83	11	sources	source	NOUN
issue-1112	83	12	of	of	ADP
issue-1112	83	13	innovations	innovation	NOUN
issue-1112	83	14	,	,	PUNCT
issue-1112	83	15	motives	motive	NOUN
issue-1112	83	16	of	of	ADP
issue-1112	83	17	using	use	VERB
issue-1112	83	18	the	the	DET
issue-1112	83	19	financial	financial	ADJ
issue-1112	83	20	innovations	innovation	NOUN
issue-1112	83	21	,	,	PUNCT
issue-1112	83	22	types	type	NOUN
issue-1112	83	23	of	of	ADP
issue-1112	83	24	innovations	innovation	NOUN
issue-1112	83	25	,	,	PUNCT
issue-1112	83	26	the	the	DET
issue-1112	83	27	effect	effect	NOUN
issue-1112	83	28	of	of	ADP
issue-1112	83	29	the	the	DET
issue-1112	83	30	financial	financial	ADJ
issue-1112	83	31	innovation	innovation	NOUN
issue-1112	83	32	application	application	NOUN
issue-1112	83	33	,	,	PUNCT
issue-1112	83	34	factors	factor	NOUN
issue-1112	83	35	influencing	influence	VERB
issue-1112	83	36	the	the	DET
issue-1112	83	37	process	process	NOUN
issue-1112	83	38	of	of	ADP
issue-1112	83	39	creation	creation	NOUN
issue-1112	83	40	and	and	CCONJ
issue-1112	83	41	implementation	implementation	NOUN
issue-1112	83	42	of	of	ADP
issue-1112	83	43	innovations	innovation	NOUN
issue-1112	83	44	,	,	PUNCT
issue-1112	83	45	the	the	DET
issue-1112	83	46	moment	moment	NOUN
issue-1112	83	47	of	of	ADP
issue-1112	83	48	creation	creation	NOUN
issue-1112	83	49	,	,	PUNCT
issue-1112	83	50	elements	element	NOUN
issue-1112	83	51	of	of	ADP
issue-1112	83	52	the	the	DET
issue-1112	83	53	financial	financial	ADJ
issue-1112	83	54	system	system	NOUN
issue-1112	83	55	where	where	SCONJ
issue-1112	83	56	the	the	DET
issue-1112	83	57	innovations	innovation	NOUN
issue-1112	83	58	occur	occur	VERB
issue-1112	83	59	(	(	PUNCT
issue-1112	83	60	figure	figure	NOUN
issue-1112	83	61	1	1	NUM
issue-1112	83	62	)	)	PUNCT
issue-1112	83	63	.	.	PUNCT
issue-1112	84	1	both	both	DET
issue-1112	84	2	banks	bank	NOUN
issue-1112	84	3	and	and	CCONJ
issue-1112	84	4	seven	seven	NUM
issue-1112	84	5	professional	professional	ADJ
issue-1112	84	6	world	world	NOUN
issue-1112	84	7	banking	banking	NOUN
issue-1112	84	8	laboratories	laboratory	NOUN
issue-1112	84	9	are	be	AUX
issue-1112	84	10	engaged	engage	VERB
issue-1112	84	11	in	in	ADP
issue-1112	84	12	the	the	DET
issue-1112	84	13	development	development	NOUN
issue-1112	84	14	of	of	ADP
issue-1112	84	15	banking	banking	NOUN
issue-1112	84	16	innovations	innovation	NOUN
issue-1112	84	17	(	(	PUNCT
issue-1112	84	18	loiko	loiko	NOUN
issue-1112	84	19	,	,	PUNCT
issue-1112	84	20	bashkyrtseva	bashkyrtseva	ADJ
issue-1112	84	21	,	,	PUNCT
issue-1112	84	22	2018	2018	NUM
issue-1112	84	23	):	):	PUNCT
issue-1112	84	24	1	1	NUM
issue-1112	84	25	.	.	X
issue-1112	84	26	standard	standard	PROPN
issue-1112	84	27	bank	bank	PROPN
issue-1112	84	28	(	(	PUNCT
issue-1112	84	29	south	south	PROPN
issue-1112	84	30	africa	africa	PROPN
issue-1112	84	31	)	)	PUNCT
issue-1112	84	32	–	–	PUNCT
issue-1112	84	33	playroom	playroom	NOUN
issue-1112	84	34	innovation	innovation	NOUN
issue-1112	84	35	center	center	NOUN
issue-1112	84	36	(	(	PUNCT
issue-1112	84	37	operating	operate	VERB
issue-1112	84	38	since	since	SCONJ
issue-1112	84	39	january	january	PROPN
issue-1112	84	40	2015	2015	NUM
issue-1112	84	41	)	)	PUNCT
issue-1112	84	42	is	be	AUX
issue-1112	84	43	developing	develop	VERB
issue-1112	84	44	modern	modern	ADJ
issue-1112	84	45	banking	banking	NOUN
issue-1112	84	46	technologies	technology	NOUN
issue-1112	84	47	.	.	PUNCT
issue-1112	85	1	2	2	X
issue-1112	85	2	.	.	X
issue-1112	85	3	laboratories	laboratory	NOUN
issue-1112	85	4	of	of	ADP
issue-1112	85	5	the	the	DET
issue-1112	85	6	capital	capital	NOUN
issue-1112	85	7	one	one	NUM
issue-1112	85	8	bank	bank	PROPN
issue-1112	85	9	(	(	PUNCT
issue-1112	85	10	usa	usa	PROPN
issue-1112	85	11	)	)	PUNCT
issue-1112	85	12	consist	consist	NOUN
issue-1112	85	13	of	of	ADP
issue-1112	85	14	three	three	NUM
issue-1112	85	15	laboratories	laboratory	NOUN
issue-1112	85	16	located	locate	VERB
issue-1112	85	17	in	in	ADP
issue-1112	85	18	washington	washington	PROPN
issue-1112	85	19	,	,	PUNCT
issue-1112	85	20	new	new	PROPN
issue-1112	85	21	york	york	PROPN
issue-1112	85	22	and	and	CCONJ
issue-1112	85	23	san	san	PROPN
issue-1112	85	24	francisco	francisco	PROPN
issue-1112	85	25	.	.	PUNCT
issue-1112	86	1	the	the	DET
issue-1112	86	2	main	main	ADJ
issue-1112	86	3	activity	activity	NOUN
issue-1112	86	4	of	of	ADP
issue-1112	86	5	these	these	DET
issue-1112	86	6	laboratories	laboratory	NOUN
issue-1112	86	7	is	be	AUX
issue-1112	86	8	aimed	aim	VERB
issue-1112	86	9	at	at	ADP
issue-1112	86	10	developing	develop	VERB
issue-1112	86	11	pilot	pilot	NOUN
issue-1112	86	12	banking	banking	NOUN
issue-1112	86	13	products	product	NOUN
issue-1112	86	14	and	and	CCONJ
issue-1112	86	15	accelerating	accelerate	VERB
issue-1112	86	16	all	all	DET
issue-1112	86	17	digital	digital	ADJ
issue-1112	86	18	activities	activity	NOUN
issue-1112	86	19	of	of	ADP
issue-1112	86	20	the	the	DET
issue-1112	86	21	bank	bank	NOUN
issue-1112	86	22	.	.	PUNCT
issue-1112	87	1	3	3	X
issue-1112	87	2	.	.	X
issue-1112	87	3	commonwealth	commonwealth	PROPN
issue-1112	87	4	bank	bank	PROPN
issue-1112	87	5	’s	’s	PART
issue-1112	87	6	innovation	innovation	PROPN
issue-1112	87	7	laboratory	laboratory	PROPN
issue-1112	87	8	(	(	PUNCT
issue-1112	87	9	australia	australia	PROPN
issue-1112	87	10	)	)	PUNCT
issue-1112	87	11	develops	develop	VERB
issue-1112	87	12	new	new	ADJ
issue-1112	87	13	products	product	NOUN
issue-1112	87	14	,	,	PUNCT
issue-1112	87	15	services	service	NOUN
issue-1112	87	16	and	and	CCONJ
issue-1112	87	17	solutions	solution	NOUN
issue-1112	87	18	together	together	ADV
issue-1112	87	19	with	with	ADP
issue-1112	87	20	customers	customer	NOUN
issue-1112	87	21	,	,	PUNCT
issue-1112	87	22	partners	partner	NOUN
issue-1112	87	23	,	,	PUNCT
issue-1112	87	24	startups	startup	NOUN
issue-1112	87	25	and	and	CCONJ
issue-1112	87	26	industry	industry	NOUN
issue-1112	87	27	experts	expert	NOUN
issue-1112	87	28	.	.	PUNCT
issue-1112	88	1	4	4	X
issue-1112	88	2	.	.	X
issue-1112	88	3	citi	citi	PROPN
issue-1112	88	4	’s	’s	PART
issue-1112	88	5	innovation	innovation	NOUN
issue-1112	88	6	lab	lab	NOUN
issue-1112	88	7	(	(	PUNCT
issue-1112	88	8	usa	usa	NOUN
issue-1112	88	9	)	)	PUNCT
issue-1112	88	10	has	have	AUX
issue-1112	88	11	established	establish	VERB
issue-1112	88	12	a	a	DET
issue-1112	88	13	global	global	ADJ
issue-1112	88	14	network	network	NOUN
issue-1112	88	15	of	of	ADP
issue-1112	88	16	innovation	innovation	NOUN
issue-1112	88	17	centers	center	NOUN
issue-1112	88	18	located	locate	VERB
issue-1112	88	19	in	in	ADP
issue-1112	88	20	cities	city	NOUN
issue-1112	88	21	such	such	ADJ
issue-1112	88	22	as	as	ADP
issue-1112	88	23	tel	tel	PROPN
issue-1112	88	24	aviv	aviv	PROPN
issue-1112	88	25	,	,	PUNCT
issue-1112	88	26	dublin	dublin	PROPN
issue-1112	88	27	,	,	PUNCT
issue-1112	88	28	singapore	singapore	PROPN
issue-1112	88	29	,	,	PUNCT
issue-1112	88	30	san	san	PROPN
issue-1112	88	31	francisco	francisco	PROPN
issue-1112	88	32	and	and	CCONJ
issue-1112	88	33	new	new	PROPN
issue-1112	88	34	york	york	PROPN
issue-1112	88	35	,	,	PUNCT
issue-1112	88	36	which	which	PRON
issue-1112	88	37	provide	provide	VERB
issue-1112	88	38	opportunities	opportunity	NOUN
issue-1112	88	39	for	for	ADP
issue-1112	88	40	innovation	innovation	NOUN
issue-1112	88	41	training	training	NOUN
issue-1112	88	42	for	for	ADP
issue-1112	88	43	all	all	DET
issue-1112	88	44	employees	employee	NOUN
issue-1112	88	45	at	at	ADP
issue-1112	88	46	all	all	DET
issue-1112	88	47	levels	level	NOUN
issue-1112	88	48	.	.	PUNCT
issue-1112	89	1	5	5	X
issue-1112	89	2	.	.	X
issue-1112	89	3	visa	visa	NOUN
issue-1112	89	4	innovation	innovation	NOUN
issue-1112	89	5	center	center	PROPN
issue-1112	89	6	(	(	PUNCT
issue-1112	89	7	usa	usa	NOUN
issue-1112	89	8	)	)	PUNCT
issue-1112	89	9	develops	develop	VERB
issue-1112	89	10	innovations	innovation	NOUN
issue-1112	89	11	in	in	ADP
issue-1112	89	12	the	the	DET
issue-1112	89	13	field	field	NOUN
issue-1112	89	14	of	of	ADP
issue-1112	89	15	banking	banking	NOUN
issue-1112	89	16	software	software	NOUN
issue-1112	89	17	.	.	PUNCT
issue-1112	90	1	6	6	X
issue-1112	90	2	.	.	X
issue-1112	90	3	chase	chase	PROPN
issue-1112	90	4	bank	bank	PROPN
issue-1112	90	5	development	development	PROPN
issue-1112	90	6	and	and	CCONJ
issue-1112	90	7	innovation	innovation	NOUN
issue-1112	90	8	center	center	PROPN
issue-1112	90	9	(	(	PUNCT
issue-1112	90	10	usa	usa	NOUN
issue-1112	90	11	)	)	PUNCT
issue-1112	90	12	specializes	specialize	VERB
issue-1112	90	13	in	in	ADP
issue-1112	90	14	the	the	DET
issue-1112	90	15	development	development	NOUN
issue-1112	90	16	of	of	ADP
issue-1112	90	17	atm	atm	PROPN
issue-1112	90	18	technology	technology	NOUN
issue-1112	90	19	,	,	PUNCT
issue-1112	90	20	as	as	ADV
issue-1112	90	21	well	well	ADV
issue-1112	90	22	as	as	ADP
issue-1112	90	23	new	new	ADJ
issue-1112	90	24	ways	way	NOUN
issue-1112	90	25	of	of	ADP
issue-1112	90	26	interacting	interact	VERB
issue-1112	90	27	with	with	ADP
issue-1112	90	28	customers	customer	NOUN
issue-1112	90	29	.	.	PUNCT
issue-1112	91	1	7	7	X
issue-1112	91	2	.	.	X
issue-1112	91	3	bbva	bbva	PROPN
issue-1112	91	4	innovation	innovation	PROPN
issue-1112	91	5	center	center	PROPN
issue-1112	91	6	(	(	PUNCT
issue-1112	91	7	spain	spain	PROPN
issue-1112	91	8	)	)	PUNCT
issue-1112	91	9	develops	develop	VERB
issue-1112	91	10	and	and	CCONJ
issue-1112	91	11	implements	implement	VERB
issue-1112	91	12	a	a	DET
issue-1112	91	13	number	number	NOUN
issue-1112	91	14	of	of	ADP
issue-1112	91	15	technological	technological	ADJ
issue-1112	91	16	solutions	solution	NOUN
issue-1112	91	17	.	.	PUNCT
issue-1112	92	1	banking	banking	NOUN
issue-1112	92	2	innovations	innovation	NOUN
issue-1112	92	3	may	may	AUX
issue-1112	92	4	not	not	PART
issue-1112	92	5	include	include	VERB
issue-1112	92	6	minor	minor	ADJ
issue-1112	92	7	changes	change	NOUN
issue-1112	92	8	that	that	PRON
issue-1112	92	9	do	do	AUX
issue-1112	92	10	not	not	PART
issue-1112	92	11	change	change	VERB
issue-1112	92	12	the	the	DET
issue-1112	92	13	content	content	NOUN
issue-1112	92	14	and	and	CCONJ
issue-1112	92	15	nature	nature	NOUN
issue-1112	92	16	of	of	ADP
issue-1112	92	17	the	the	DET
issue-1112	92	18	banking	banking	NOUN
issue-1112	92	19	product	product	NOUN
issue-1112	92	20	or	or	CCONJ
issue-1112	92	21	operation	operation	NOUN
issue-1112	92	22	,	,	PUNCT
issue-1112	92	23	such	such	ADJ
issue-1112	92	24	as	as	ADP
issue-1112	92	25	changes	change	NOUN
issue-1112	92	26	in	in	ADP
issue-1112	92	27	interest	interest	NOUN
issue-1112	92	28	rates	rate	NOUN
issue-1112	92	29	on	on	ADP
issue-1112	92	30	loans	loan	NOUN
issue-1112	92	31	and	and	CCONJ
issue-1112	92	32	deposits	deposit	NOUN
issue-1112	92	33	,	,	PUNCT
issue-1112	92	34	the	the	DET
issue-1112	92	35	term	term	NOUN
issue-1112	92	36	of	of	ADP
issue-1112	92	37	the	the	DET
issue-1112	92	38	deposit	deposit	NOUN
issue-1112	92	39	and	and	CCONJ
issue-1112	92	40	loan	loan	NOUN
issue-1112	92	41	agreement	agreement	NOUN
issue-1112	92	42	,	,	PUNCT
issue-1112	92	43	etc	etc	X
issue-1112	92	44	.	.	X
issue-1112	93	1	(	(	PUNCT
issue-1112	93	2	loiko	loiko	PROPN
issue-1112	93	3	,	,	PUNCT
issue-1112	93	4	bashkyrtseva	bashkyrtseva	ADJ
issue-1112	93	5	,	,	PUNCT
issue-1112	93	6	2018	2018	NUM
issue-1112	93	7	)	)	PUNCT
issue-1112	93	8	.	.	PUNCT
issue-1112	94	1	n	n	PRON
issue-1112	94	2	arrow	arrow	NOUN
issue-1112	94	3	definition	definition	NOUN
issue-1112	94	4	of	of	ADP
issue-1112	94	5	financial	financial	ADJ
issue-1112	94	6	innovations	innovation	NOUN
issue-1112	94	7	fi	fi	NOUN
issue-1112	94	8	na	na	PROPN
issue-1112	94	9	nc	nc	PROPN
issue-1112	94	10	ia	ia	PROPN
issue-1112	94	11	l	l	PROPN
issue-1112	94	12	s	s	PART
issue-1112	94	13	ys	ys	NOUN
issue-1112	94	14	te	te	PROPN
issue-1112	94	15	m	m	PROPN
issue-1112	94	16	financial	financial	ADJ
issue-1112	94	17	institution	institution	NOUN
issue-1112	94	18	financial	financial	ADJ
issue-1112	94	19	system	system	NOUN
issue-1112	94	20	regulations	regulation	NOUN
issue-1112	94	21	financial	financial	ADJ
issue-1112	94	22	instruments	instrument	NOUN
issue-1112	94	23	financial	financial	ADJ
issue-1112	94	24	markets	market	NOUN
issue-1112	94	25	new	new	ADJ
issue-1112	94	26	forms	form	NOUN
issue-1112	94	27	and	and	CCONJ
issue-1112	94	28	types	type	NOUN
issue-1112	94	29	of	of	ADP
issue-1112	94	30	financial	financial	ADJ
issue-1112	94	31	institution	institution	NOUN
issue-1112	94	32	new	new	ADJ
issue-1112	94	33	segments	segment	NOUN
issue-1112	94	34	of	of	ADP
issue-1112	94	35	financial	financial	ADJ
issue-1112	94	36	markets	market	NOUN
issue-1112	94	37	new	new	ADJ
issue-1112	94	38	developments	development	NOUN
issue-1112	94	39	in	in	ADP
issue-1112	94	40	financial	financial	ADJ
issue-1112	94	41	instruments	instrument	NOUN
issue-1112	94	42	new	new	ADJ
issue-1112	94	43	regulations	regulation	NOUN
issue-1112	94	44	b	b	PROPN
issue-1112	94	45	road	road	NOUN
issue-1112	94	46	definition	definition	NOUN
issue-1112	94	47	of	of	ADP
issue-1112	94	48	financial	financial	ADJ
issue-1112	94	49	innovations	innovation	NOUN
issue-1112	94	50	figure	figure	VERB
issue-1112	94	51	1	1	NUM
issue-1112	94	52	.	.	PUNCT
issue-1112	95	1	interpretation	interpretation	NOUN
issue-1112	95	2	of	of	ADP
issue-1112	95	3	the	the	DET
issue-1112	95	4	essence	essence	NOUN
issue-1112	95	5	of	of	ADP
issue-1112	95	6	financial	financial	ADJ
issue-1112	95	7	innovations	innovation	NOUN
issue-1112	95	8	source	source	NOUN
issue-1112	95	9	:	:	PUNCT
issue-1112	95	10	developed	develop	VERB
issue-1112	95	11	by	by	ADP
issue-1112	95	12	the	the	DET
issue-1112	95	13	authors	author	NOUN
issue-1112	95	14	baltic	baltic	PROPN
issue-1112	95	15	journal	journal	PROPN
issue-1112	95	16	of	of	ADP
issue-1112	95	17	economic	economic	ADJ
issue-1112	95	18	studies	study	NOUN
issue-1112	95	19	192	192	NUM
issue-1112	95	20	vol	vol	NOUN
issue-1112	95	21	.	.	PROPN
issue-1112	95	22	7	7	NUM
issue-1112	96	1	no	no	NOUN
issue-1112	96	2	.	.	NOUN
issue-1112	96	3	2	2	NUM
issue-1112	96	4	,	,	PUNCT
issue-1112	96	5	2021	2021	NUM
issue-1112	96	6	4	4	NUM
issue-1112	96	7	.	.	PUNCT
issue-1112	96	8	innovative	innovative	ADJ
issue-1112	96	9	models	model	NOUN
issue-1112	96	10	of	of	ADP
issue-1112	96	11	the	the	DET
issue-1112	96	12	ukrainian	ukrainian	ADJ
issue-1112	96	13	banking	banking	NOUN
issue-1112	96	14	business	business	NOUN
issue-1112	96	15	development	development	NOUN
issue-1112	96	16	for	for	ADP
issue-1112	96	17	example	example	NOUN
issue-1112	96	18	,	,	PUNCT
issue-1112	96	19	ukrainian	ukrainian	ADJ
issue-1112	96	20	banks	bank	NOUN
issue-1112	96	21	offer	offer	VERB
issue-1112	96	22	to	to	PART
issue-1112	96	23	use	use	VERB
issue-1112	96	24	smartphones	smartphone	NOUN
issue-1112	96	25	not	not	PART
issue-1112	96	26	only	only	ADV
issue-1112	96	27	to	to	PART
issue-1112	96	28	pay	pay	VERB
issue-1112	96	29	for	for	ADP
issue-1112	96	30	goods	good	NOUN
issue-1112	96	31	and	and	CCONJ
issue-1112	96	32	services	service	NOUN
issue-1112	96	33	,	,	PUNCT
issue-1112	96	34	but	but	CCONJ
issue-1112	96	35	also	also	ADV
issue-1112	96	36	to	to	PART
issue-1112	96	37	accept	accept	VERB
issue-1112	96	38	payments	payment	NOUN
issue-1112	96	39	.	.	PUNCT
issue-1112	97	1	mobile	mobile	ADJ
issue-1112	97	2	application	application	NOUN
issue-1112	97	3	for	for	ADP
issue-1112	97	4	business	business	NOUN
issue-1112	97	5	is	be	AUX
issue-1112	97	6	offered	offer	VERB
issue-1112	97	7	by	by	ADP
issue-1112	97	8	two	two	NUM
issue-1112	97	9	ukrainian	ukrainian	ADJ
issue-1112	97	10	banks	bank	NOUN
issue-1112	97	11	–	–	PUNCT
issue-1112	97	12	raiffeisen	raiffeisen	PROPN
issue-1112	97	13	bank	bank	PROPN
issue-1112	97	14	aval	aval	NOUN
issue-1112	97	15	(	(	PUNCT
issue-1112	97	16	pay	pay	VERB
issue-1112	97	17	-	-	PUNCT
issue-1112	97	18	me	i	PRON
issue-1112	97	19	ukraine	ukraine	NOUN
issue-1112	97	20	)	)	PUNCT
issue-1112	97	21	and	and	CCONJ
issue-1112	97	22	privatbank	privatbank	NOUN
issue-1112	97	23	(	(	PUNCT
issue-1112	97	24	ipay	ipay	PROPN
issue-1112	97	25	)	)	PUNCT
issue-1112	97	26	.	.	PUNCT
issue-1112	98	1	both	both	DET
issue-1112	98	2	banks	bank	NOUN
issue-1112	98	3	produce	produce	VERB
issue-1112	98	4	card	card	NOUN
issue-1112	98	5	readers	reader	NOUN
issue-1112	98	6	that	that	PRON
issue-1112	98	7	connect	connect	VERB
issue-1112	98	8	to	to	ADP
issue-1112	98	9	the	the	DET
issue-1112	98	10	smartphone	smartphone	NOUN
issue-1112	98	11	via	via	ADP
issue-1112	98	12	a	a	DET
issue-1112	98	13	headphone	headphone	NOUN
issue-1112	98	14	jack	jack	NOUN
issue-1112	98	15	.	.	PUNCT
issue-1112	99	1	completed	complete	VERB
issue-1112	99	2	with	with	ADP
issue-1112	99	3	a	a	DET
issue-1112	99	4	special	special	ADJ
issue-1112	99	5	application	application	NOUN
issue-1112	99	6	,	,	PUNCT
issue-1112	99	7	the	the	DET
issue-1112	99	8	devices	device	NOUN
issue-1112	99	9	allow	allow	VERB
issue-1112	99	10	couriers	courier	NOUN
issue-1112	99	11	,	,	PUNCT
issue-1112	99	12	taxi	taxi	NOUN
issue-1112	99	13	drivers	driver	NOUN
issue-1112	99	14	and	and	CCONJ
issue-1112	99	15	small	small	ADJ
issue-1112	99	16	outlets	outlet	NOUN
issue-1112	99	17	to	to	PART
issue-1112	99	18	accept	accept	VERB
issue-1112	99	19	plastic	plastic	ADJ
issue-1112	99	20	cards	card	NOUN
issue-1112	99	21	for	for	ADP
issue-1112	99	22	payment	payment	NOUN
issue-1112	99	23	.	.	PUNCT
issue-1112	100	1	thanks	thank	NOUN
issue-1112	100	2	to	to	ADP
issue-1112	100	3	the	the	DET
issue-1112	100	4	mini	mini	NOUN
issue-1112	100	5	-	-	NOUN
issue-1112	100	6	terminals	terminal	NOUN
issue-1112	100	7	of	of	ADP
issue-1112	100	8	privatbank	privatbank	NOUN
issue-1112	100	9	together	together	ADV
issue-1112	100	10	with	with	ADP
issue-1112	100	11	the	the	DET
issue-1112	100	12	startup	startup	NOUN
issue-1112	100	13	poster	poster	NOUN
issue-1112	100	14	it	it	PRON
issue-1112	100	15	was	be	AUX
issue-1112	100	16	possible	possible	ADJ
issue-1112	100	17	to	to	PART
issue-1112	100	18	create	create	VERB
issue-1112	100	19	a	a	DET
issue-1112	100	20	full	full	ADV
issue-1112	100	21	-	-	PUNCT
issue-1112	100	22	fledged	fledged	ADJ
issue-1112	100	23	cash	cash	NOUN
issue-1112	100	24	register	register	NOUN
issue-1112	100	25	on	on	ADP
issue-1112	100	26	a	a	DET
issue-1112	100	27	smartphone	smartphone	NOUN
issue-1112	100	28	or	or	CCONJ
issue-1112	100	29	a	a	DET
issue-1112	100	30	tablet	tablet	NOUN
issue-1112	100	31	.	.	PUNCT
issue-1112	101	1	all	all	DET
issue-1112	101	2	information	information	NOUN
issue-1112	101	3	about	about	ADP
issue-1112	101	4	trade	trade	NOUN
issue-1112	101	5	transactions	transaction	NOUN
issue-1112	101	6	is	be	AUX
issue-1112	101	7	stored	store	VERB
issue-1112	101	8	in	in	ADP
issue-1112	101	9	the	the	DET
issue-1112	101	10	cloud	cloud	NOUN
issue-1112	101	11	,	,	PUNCT
issue-1112	101	12	and	and	CCONJ
issue-1112	101	13	non	non	ADJ
issue-1112	101	14	-	-	ADJ
issue-1112	101	15	cash	cash	ADJ
issue-1112	101	16	payments	payment	NOUN
issue-1112	101	17	are	be	AUX
issue-1112	101	18	made	make	VERB
issue-1112	101	19	through	through	ADP
issue-1112	101	20	a	a	DET
issue-1112	101	21	mobile	mobile	ADJ
issue-1112	101	22	pos	pos	NOUN
issue-1112	101	23	-	-	PUNCT
issue-1112	101	24	terminal	terminal	NOUN
issue-1112	101	25	.	.	PUNCT
issue-1112	102	1	the	the	DET
issue-1112	102	2	cash	cash	NOUN
issue-1112	102	3	register	register	NOUN
issue-1112	102	4	can	can	AUX
issue-1112	102	5	replace	replace	VERB
issue-1112	102	6	traditional	traditional	ADJ
issue-1112	102	7	accounting	accounting	NOUN
issue-1112	102	8	systems	system	NOUN
issue-1112	102	9	in	in	ADP
issue-1112	102	10	restaurants	restaurant	NOUN
issue-1112	102	11	and	and	CCONJ
issue-1112	102	12	shops	shop	NOUN
issue-1112	102	13	(	(	PUNCT
issue-1112	102	14	ekkert	ekkert	ADJ
issue-1112	102	15	,	,	PUNCT
issue-1112	102	16	nestorenko	nestorenko	ADJ
issue-1112	102	17	,	,	PUNCT
issue-1112	102	18	szynk	szynk	NOUN
issue-1112	102	19	,	,	PUNCT
issue-1112	102	20	2019	2019	NUM
issue-1112	102	21	)	)	PUNCT
issue-1112	102	22	.	.	PUNCT
issue-1112	103	1	a	a	DET
issue-1112	103	2	state	state	NOUN
issue-1112	103	3	-	-	PUNCT
issue-1112	103	4	of	of	ADP
issue-1112	103	5	-	-	PUNCT
issue-1112	103	6	the	the	DET
issue-1112	103	7	-	-	PUNCT
issue-1112	103	8	art	art	NOUN
issue-1112	103	9	direction	direction	NOUN
issue-1112	103	10	of	of	ADP
issue-1112	103	11	improving	improve	VERB
issue-1112	103	12	the	the	DET
issue-1112	103	13	management	management	NOUN
issue-1112	103	14	of	of	ADP
issue-1112	103	15	banking	banking	NOUN
issue-1112	103	16	services	service	NOUN
issue-1112	103	17	was	be	AUX
issue-1112	103	18	the	the	DET
issue-1112	103	19	decision	decision	NOUN
issue-1112	103	20	on	on	ADP
issue-1112	103	21	the	the	DET
issue-1112	103	22	national	national	ADJ
issue-1112	103	23	level	level	NOUN
issue-1112	103	24	to	to	PART
issue-1112	103	25	create	create	VERB
issue-1112	103	26	,	,	PUNCT
issue-1112	103	27	at	at	ADP
issue-1112	103	28	the	the	DET
issue-1112	103	29	initiative	initiative	NOUN
issue-1112	103	30	of	of	ADP
issue-1112	103	31	pjsc	pjsc	NOUN
issue-1112	103	32	“	"	PUNCT
issue-1112	103	33	state	state	NOUN
issue-1112	103	34	savings	saving	NOUN
issue-1112	103	35	bank	bank	PROPN
issue-1112	103	36	of	of	ADP
issue-1112	103	37	ukraine	ukraine	PROPN
issue-1112	103	38	”	"	PUNCT
issue-1112	103	39	,	,	PUNCT
issue-1112	103	40	oschadbankid	oschadbankid	ADJ
issue-1112	103	41	platform	platform	NOUN
issue-1112	103	42	,	,	PUNCT
issue-1112	103	43	which	which	PRON
issue-1112	103	44	is	be	AUX
issue-1112	103	45	a	a	DET
issue-1112	103	46	means	means	NOUN
issue-1112	103	47	of	of	ADP
issue-1112	103	48	identifying	identify	VERB
issue-1112	103	49	and	and	CCONJ
issue-1112	103	50	verifying	verify	VERB
issue-1112	103	51	bank	bank	NOUN
issue-1112	103	52	card	card	NOUN
issue-1112	103	53	users	user	NOUN
issue-1112	103	54	by	by	ADP
issue-1112	103	55	government	government	NOUN
issue-1112	103	56	agencies	agency	NOUN
issue-1112	103	57	,	,	PUNCT
issue-1112	103	58	a	a	DET
issue-1112	103	59	digital	digital	ADJ
issue-1112	103	60	signature	signature	NOUN
issue-1112	103	61	for	for	ADP
issue-1112	103	62	registration	registration	NOUN
issue-1112	103	63	of	of	ADP
issue-1112	103	64	permits	permit	NOUN
issue-1112	103	65	,	,	PUNCT
issue-1112	103	66	including	include	VERB
issue-1112	103	67	for	for	ADP
issue-1112	103	68	opening	opening	NOUN
issue-1112	103	69	and	and	CCONJ
issue-1112	103	70	conducting	conduct	VERB
issue-1112	103	71	own	own	ADJ
issue-1112	103	72	business	business	NOUN
issue-1112	103	73	.	.	PUNCT
issue-1112	104	1	this	this	PRON
issue-1112	104	2	will	will	AUX
issue-1112	104	3	improve	improve	VERB
issue-1112	104	4	the	the	DET
issue-1112	104	5	investment	investment	NOUN
issue-1112	104	6	climate	climate	NOUN
issue-1112	104	7	in	in	ADP
issue-1112	104	8	the	the	DET
issue-1112	104	9	country	country	NOUN
issue-1112	104	10	and	and	CCONJ
issue-1112	104	11	minimize	minimize	VERB
issue-1112	104	12	the	the	DET
issue-1112	104	13	corruption	corruption	NOUN
issue-1112	104	14	component	component	NOUN
issue-1112	104	15	in	in	ADP
issue-1112	104	16	the	the	DET
issue-1112	104	17	communication	communication	NOUN
issue-1112	104	18	of	of	ADP
issue-1112	104	19	citizens	citizen	NOUN
issue-1112	104	20	and	and	CCONJ
issue-1112	104	21	businesses	business	NOUN
issue-1112	104	22	with	with	ADP
issue-1112	104	23	government	government	NOUN
issue-1112	104	24	agencies	agency	NOUN
issue-1112	104	25	.	.	PUNCT
issue-1112	105	1	in	in	ADP
issue-1112	105	2	the	the	DET
issue-1112	105	3	conditions	condition	NOUN
issue-1112	105	4	of	of	ADP
issue-1112	105	5	financial	financial	ADJ
issue-1112	105	6	shocks	shock	NOUN
issue-1112	105	7	and	and	CCONJ
issue-1112	105	8	instability	instability	NOUN
issue-1112	105	9	of	of	ADP
issue-1112	105	10	financial	financial	ADJ
issue-1112	105	11	markets	market	NOUN
issue-1112	105	12	,	,	PUNCT
issue-1112	105	13	the	the	DET
issue-1112	105	14	key	key	NOUN
issue-1112	105	15	to	to	ADP
issue-1112	105	16	maintaining	maintain	VERB
issue-1112	105	17	the	the	DET
issue-1112	105	18	bank	bank	NOUN
issue-1112	105	19	’s	’s	PART
issue-1112	105	20	position	position	NOUN
issue-1112	105	21	in	in	ADP
issue-1112	105	22	the	the	DET
issue-1112	105	23	market	market	NOUN
issue-1112	105	24	is	be	AUX
issue-1112	105	25	,	,	PUNCT
issue-1112	105	26	first	first	ADV
issue-1112	105	27	of	of	ADP
issue-1112	105	28	all	all	PRON
issue-1112	105	29	,	,	PUNCT
issue-1112	105	30	to	to	PART
issue-1112	105	31	reduce	reduce	VERB
issue-1112	105	32	costs	cost	NOUN
issue-1112	105	33	,	,	PUNCT
issue-1112	105	34	to	to	PART
issue-1112	105	35	increase	increase	VERB
issue-1112	105	36	the	the	DET
issue-1112	105	37	speed	speed	NOUN
issue-1112	105	38	of	of	ADP
issue-1112	105	39	transactions	transaction	NOUN
issue-1112	105	40	and	and	CCONJ
issue-1112	105	41	to	to	PART
issue-1112	105	42	minimize	minimize	VERB
issue-1112	105	43	credit	credit	NOUN
issue-1112	105	44	risks	risk	NOUN
issue-1112	105	45	.	.	PUNCT
issue-1112	106	1	therefore	therefore	ADV
issue-1112	106	2	,	,	PUNCT
issue-1112	106	3	it	it	PRON
issue-1112	106	4	is	be	AUX
issue-1112	106	5	important	important	ADJ
issue-1112	106	6	for	for	SCONJ
issue-1112	106	7	banks	bank	NOUN
issue-1112	106	8	to	to	PART
issue-1112	106	9	find	find	VERB
issue-1112	106	10	a	a	DET
issue-1112	106	11	new	new	ADJ
issue-1112	106	12	innovative	innovative	ADJ
issue-1112	106	13	model	model	NOUN
issue-1112	106	14	that	that	PRON
issue-1112	106	15	would	would	AUX
issue-1112	106	16	meet	meet	VERB
issue-1112	106	17	today	today	NOUN
issue-1112	106	18	’s	’s	PART
issue-1112	106	19	requirements	requirement	NOUN
issue-1112	106	20	.	.	PUNCT
issue-1112	107	1	in	in	ADP
issue-1112	107	2	this	this	DET
issue-1112	107	3	regard	regard	NOUN
issue-1112	107	4	,	,	PUNCT
issue-1112	107	5	a	a	DET
issue-1112	107	6	number	number	NOUN
issue-1112	107	7	of	of	ADP
issue-1112	107	8	ukrainian	ukrainian	ADJ
issue-1112	107	9	banks	bank	NOUN
issue-1112	107	10	are	be	AUX
issue-1112	107	11	working	work	VERB
issue-1112	107	12	on	on	ADP
issue-1112	107	13	the	the	DET
issue-1112	107	14	transition	transition	NOUN
issue-1112	107	15	to	to	ADP
issue-1112	107	16	the	the	DET
issue-1112	107	17	blockchain	blockchain	PROPN
issue-1112	107	18	technology	technology	PROPN
issue-1112	107	19	,	,	PUNCT
issue-1112	107	20	based	base	VERB
issue-1112	107	21	on	on	ADP
issue-1112	107	22	which	which	PRON
issue-1112	107	23	,	,	PUNCT
issue-1112	107	24	it	it	PRON
issue-1112	107	25	is	be	AUX
issue-1112	107	26	possible	possible	ADJ
issue-1112	107	27	to	to	PART
issue-1112	107	28	build	build	VERB
issue-1112	107	29	the	the	DET
issue-1112	107	30	type	type	NOUN
issue-1112	107	31	of	of	ADP
issue-1112	107	32	financial	financial	ADJ
issue-1112	107	33	institution	institution	NOUN
issue-1112	107	34	banking	banking	NOUN
issue-1112	107	35	innovations	innovation	NOUN
issue-1112	107	36	innovations	innovation	NOUN
issue-1112	107	37	of	of	ADP
issue-1112	107	38	non	non	ADJ
issue-1112	107	39	-	-	ADJ
issue-1112	107	40	banking	banking	ADJ
issue-1112	107	41	financial	financial	ADJ
issue-1112	107	42	institutions	institution	NOUN
issue-1112	107	43	creation	creation	NOUN
issue-1112	107	44	process	process	NOUN
issue-1112	107	45	revolutionary	revolutionary	ADJ
issue-1112	107	46	evolutionary	evolutionary	ADJ
issue-1112	107	47	sources	source	NOUN
issue-1112	107	48	of	of	ADP
issue-1112	107	49	innovations	innovation	NOUN
issue-1112	107	50	factors	factor	NOUN
issue-1112	107	51	of	of	ADP
issue-1112	107	52	innovations	innovation	NOUN
issue-1112	107	53	motives	motive	NOUN
issue-1112	107	54	of	of	ADP
issue-1112	107	55	innovations	innovation	NOUN
issue-1112	107	56	elements	element	NOUN
issue-1112	107	57	of	of	ADP
issue-1112	107	58	the	the	DET
issue-1112	107	59	financial	financial	ADJ
issue-1112	107	60	system	system	NOUN
issue-1112	107	61	types	type	NOUN
issue-1112	107	62	of	of	ADP
issue-1112	107	63	innovations	innovation	NOUN
issue-1112	107	64	effect	effect	NOUN
issue-1112	107	65	of	of	ADP
issue-1112	107	66	innovations	innovation	NOUN
issue-1112	107	67	supply	supply	NOUN
issue-1112	107	68	-	-	PUNCT
issue-1112	107	69	driven	drive	VERB
issue-1112	107	70	innovations	innovation	NOUN
issue-1112	107	71	demand	demand	NOUN
issue-1112	107	72	-	-	PUNCT
issue-1112	107	73	driven	drive	VERB
issue-1112	107	74	innovations	innovation	NOUN
issue-1112	107	75	external	external	ADJ
issue-1112	107	76	factors	factor	NOUN
issue-1112	107	77	driven	drive	VERB
issue-1112	107	78	innovations	innovation	NOUN
issue-1112	107	79	intimal	intimal	ADJ
issue-1112	107	80	factors	factor	NOUN
issue-1112	107	81	driven	drive	VERB
issue-1112	107	82	innovations	innovation	NOUN
issue-1112	107	83	adaptive	adaptive	ADJ
issue-1112	107	84	innovations	innovation	NOUN
issue-1112	107	85	aggressive	aggressive	ADJ
issue-1112	107	86	innovations	innovation	NOUN
issue-1112	107	87	defensive	defensive	ADJ
issue-1112	107	88	innovations	innovation	NOUN
issue-1112	107	89	protective	protective	ADJ
issue-1112	107	90	innovations	innovation	NOUN
issue-1112	107	91	responsive	responsive	ADJ
issue-1112	107	92	innovations	innovation	NOUN
issue-1112	107	93	financial	financial	ADJ
issue-1112	107	94	market	market	NOUN
issue-1112	107	95	innovations	innovation	NOUN
issue-1112	107	96	financial	financial	ADJ
issue-1112	107	97	institutions	institution	NOUN
issue-1112	107	98	innovations	innovation	VERB
issue-1112	107	99	financial	financial	ADJ
issue-1112	107	100	instrument	instrument	NOUN
issue-1112	107	101	innovations	innovation	NOUN
issue-1112	107	102	financial	financial	ADJ
issue-1112	107	103	regulations	regulation	NOUN
issue-1112	107	104	innovations	innovation	NOUN
issue-1112	107	105	product	product	NOUN
issue-1112	107	106	innovations	innovation	NOUN
issue-1112	107	107	process	process	NOUN
issue-1112	107	108	innovations	innovation	NOUN
issue-1112	107	109	risk	risk	NOUN
issue-1112	107	110	-	-	PUNCT
issue-1112	107	111	shifting	shift	VERB
issue-1112	107	112	innovations	innovation	NOUN
issue-1112	107	113	sustainable	sustainable	ADJ
issue-1112	107	114	innovations	innovation	NOUN
issue-1112	107	115	harmful	harmful	ADJ
issue-1112	107	116	innovations	innovation	NOUN
issue-1112	107	117	c	c	X
issue-1112	107	118	ri	ri	NOUN
issue-1112	107	119	te	te	INTJ
issue-1112	107	120	ri	ri	PROPN
issue-1112	107	121	a	a	DET
issue-1112	107	122	t	t	PROPN
issue-1112	107	123	ypes	ype	NOUN
issue-1112	107	124	of	of	ADP
issue-1112	107	125	financial	financial	ADJ
issue-1112	107	126	innovations	innovation	NOUN
issue-1112	107	127	figure	figure	VERB
issue-1112	107	128	2	2	NUM
issue-1112	107	129	.	.	PUNCT
issue-1112	107	130	classification	classification	NOUN
issue-1112	107	131	of	of	ADP
issue-1112	107	132	the	the	DET
issue-1112	107	133	financial	financial	ADJ
issue-1112	107	134	innovations	innovation	NOUN
issue-1112	107	135	source	source	NOUN
issue-1112	107	136	:	:	PUNCT
issue-1112	107	137	developed	develop	VERB
issue-1112	107	138	by	by	ADP
issue-1112	107	139	the	the	DET
issue-1112	107	140	authors	author	NOUN
issue-1112	107	141	baltic	baltic	PROPN
issue-1112	107	142	journal	journal	PROPN
issue-1112	107	143	of	of	ADP
issue-1112	107	144	economic	economic	ADJ
issue-1112	107	145	studies	study	NOUN
issue-1112	107	146	193	193	NUM
issue-1112	107	147	vol	vol	NOUN
issue-1112	107	148	.	.	PROPN
issue-1112	108	1	7	7	NUM
issue-1112	109	1	no	no	NOUN
issue-1112	109	2	.	.	NOUN
issue-1112	109	3	2	2	NUM
issue-1112	109	4	,	,	PUNCT
issue-1112	109	5	2021	2021	NUM
issue-1112	109	6	whole	whole	ADJ
issue-1112	109	7	operation	operation	NOUN
issue-1112	109	8	process	process	NOUN
issue-1112	109	9	of	of	ADP
issue-1112	109	10	the	the	DET
issue-1112	109	11	bank	bank	NOUN
issue-1112	109	12	,	,	PUNCT
issue-1112	109	13	including	include	VERB
issue-1112	109	14	the	the	DET
issue-1112	109	15	core	core	NOUN
issue-1112	109	16	of	of	ADP
issue-1112	109	17	the	the	DET
issue-1112	109	18	bank	bank	NOUN
issue-1112	109	19	(	(	PUNCT
issue-1112	109	20	core	core	NOUN
issue-1112	109	21	banking	banking	NOUN
issue-1112	109	22	system	system	NOUN
issue-1112	109	23	)	)	PUNCT
issue-1112	109	24	and	and	CCONJ
issue-1112	109	25	work	work	VERB
issue-1112	109	26	with	with	ADP
issue-1112	109	27	customers	customer	NOUN
issue-1112	109	28	.	.	PUNCT
issue-1112	110	1	blockchain	blockchain	PROPN
issue-1112	110	2	is	be	AUX
issue-1112	110	3	a	a	DET
issue-1112	110	4	decentralized	decentralized	ADJ
issue-1112	110	5	database	database	NOUN
issue-1112	110	6	for	for	ADP
issue-1112	110	7	recording	recording	NOUN
issue-1112	110	8	and	and	CCONJ
issue-1112	110	9	verifying	verifying	NOUN
issue-1112	110	10	transactions	transaction	NOUN
issue-1112	110	11	.	.	PUNCT
issue-1112	111	1	in	in	ADP
issue-1112	111	2	this	this	DET
issue-1112	111	3	case	case	NOUN
issue-1112	111	4	,	,	PUNCT
issue-1112	111	5	network	network	NOUN
issue-1112	111	6	users	user	NOUN
issue-1112	111	7	are	be	AUX
issue-1112	111	8	divided	divide	VERB
issue-1112	111	9	into	into	ADP
issue-1112	111	10	two	two	NUM
issue-1112	111	11	groups	group	NOUN
issue-1112	111	12	,	,	PUNCT
issue-1112	111	13	namely	namely	ADV
issue-1112	111	14	:	:	PUNCT
issue-1112	111	15	the	the	DET
issue-1112	111	16	regular	regular	ADJ
issue-1112	111	17	users	user	NOUN
issue-1112	111	18	who	who	PRON
issue-1112	111	19	create	create	VERB
issue-1112	111	20	new	new	ADJ
issue-1112	111	21	records	record	NOUN
issue-1112	111	22	,	,	PUNCT
issue-1112	111	23	and	and	CCONJ
issue-1112	111	24	the	the	DET
issue-1112	111	25	miners	miner	NOUN
issue-1112	111	26	who	who	PRON
issue-1112	111	27	create	create	VERB
issue-1112	111	28	blocks	block	NOUN
issue-1112	111	29	.	.	PUNCT
issue-1112	112	1	ordinary	ordinary	ADJ
issue-1112	112	2	users	user	NOUN
issue-1112	112	3	create	create	VERB
issue-1112	112	4	and	and	CCONJ
issue-1112	112	5	distribute	distribute	VERB
issue-1112	112	6	records	record	NOUN
issue-1112	112	7	over	over	ADP
issue-1112	112	8	the	the	DET
issue-1112	112	9	network	network	NOUN
issue-1112	112	10	,	,	PUNCT
issue-1112	112	11	for	for	ADP
issue-1112	112	12	example	example	NOUN
issue-1112	112	13	,	,	PUNCT
issue-1112	112	14	about	about	ADP
issue-1112	112	15	money	money	NOUN
issue-1112	112	16	transfers	transfer	NOUN
issue-1112	112	17	or	or	CCONJ
issue-1112	112	18	transfer	transfer	NOUN
issue-1112	112	19	of	of	ADP
issue-1112	112	20	ownership	ownership	NOUN
issue-1112	112	21	.	.	PUNCT
issue-1112	113	1	several	several	ADJ
issue-1112	113	2	ukrainian	ukrainian	ADJ
issue-1112	113	3	banks	bank	NOUN
issue-1112	113	4	are	be	AUX
issue-1112	113	5	also	also	ADV
issue-1112	113	6	planning	plan	VERB
issue-1112	113	7	to	to	PART
issue-1112	113	8	connect	connect	VERB
issue-1112	113	9	to	to	PART
issue-1112	113	10	ripple	ripple	ADJ
issue-1112	113	11	technology	technology	NOUN
issue-1112	113	12	.	.	PUNCT
issue-1112	114	1	this	this	DET
issue-1112	114	2	technology	technology	NOUN
issue-1112	114	3	is	be	AUX
issue-1112	114	4	focused	focus	VERB
issue-1112	114	5	on	on	ADP
issue-1112	114	6	financial	financial	ADJ
issue-1112	114	7	institutions	institution	NOUN
issue-1112	114	8	and	and	CCONJ
issue-1112	114	9	is	be	AUX
issue-1112	114	10	already	already	ADV
issue-1112	114	11	actively	actively	ADV
issue-1112	114	12	used	use	VERB
issue-1112	114	13	in	in	ADP
issue-1112	114	14	three	three	NUM
issue-1112	114	15	western	western	ADJ
issue-1112	114	16	banks	bank	NOUN
issue-1112	114	17	.	.	PUNCT
issue-1112	115	1	it	it	PRON
issue-1112	115	2	is	be	AUX
issue-1112	115	3	both	both	PRON
issue-1112	115	4	a	a	DET
issue-1112	115	5	payment	payment	NOUN
issue-1112	115	6	system	system	NOUN
issue-1112	115	7	,	,	PUNCT
issue-1112	115	8	a	a	DET
issue-1112	115	9	currency	currency	NOUN
issue-1112	115	10	exchange	exchange	NOUN
issue-1112	115	11	and	and	CCONJ
issue-1112	115	12	a	a	DET
issue-1112	115	13	network	network	NOUN
issue-1112	115	14	of	of	ADP
issue-1112	115	15	money	money	NOUN
issue-1112	115	16	transfers	transfer	NOUN
issue-1112	115	17	.	.	PUNCT
issue-1112	116	1	its	its	PRON
issue-1112	116	2	use	use	NOUN
issue-1112	116	3	will	will	AUX
issue-1112	116	4	allow	allow	VERB
issue-1112	116	5	banks	bank	NOUN
issue-1112	116	6	to	to	PART
issue-1112	116	7	transfer	transfer	VERB
issue-1112	116	8	funds	fund	NOUN
issue-1112	116	9	around	around	ADP
issue-1112	116	10	the	the	DET
issue-1112	116	11	world	world	NOUN
issue-1112	116	12	instantly	instantly	ADV
issue-1112	116	13	and	and	CCONJ
issue-1112	116	14	almost	almost	ADV
issue-1112	116	15	free	free	ADJ
issue-1112	116	16	of	of	ADP
issue-1112	116	17	charge	charge	NOUN
issue-1112	116	18	.	.	PUNCT
issue-1112	117	1	innovations	innovation	NOUN
issue-1112	117	2	in	in	ADP
issue-1112	117	3	payments	payment	NOUN
issue-1112	117	4	can	can	AUX
issue-1112	117	5	greatly	greatly	ADV
issue-1112	117	6	simplify	simplify	VERB
issue-1112	117	7	payment	payment	NOUN
issue-1112	117	8	for	for	ADP
issue-1112	117	9	goods	good	NOUN
issue-1112	117	10	and	and	CCONJ
issue-1112	117	11	remittances	remittance	NOUN
issue-1112	117	12	.	.	PUNCT
issue-1112	118	1	moreover	moreover	ADV
issue-1112	118	2	,	,	PUNCT
issue-1112	118	3	modern	modern	ADJ
issue-1112	118	4	technologies	technology	NOUN
issue-1112	118	5	have	have	VERB
issue-1112	118	6	a	a	DET
issue-1112	118	7	positive	positive	ADJ
issue-1112	118	8	effect	effect	NOUN
issue-1112	118	9	on	on	ADP
issue-1112	118	10	the	the	DET
issue-1112	118	11	image	image	NOUN
issue-1112	118	12	of	of	ADP
issue-1112	118	13	the	the	DET
issue-1112	118	14	bank	bank	NOUN
issue-1112	118	15	and	and	CCONJ
issue-1112	118	16	customers	customer	NOUN
issue-1112	118	17	.	.	PUNCT
issue-1112	119	1	it	it	PRON
issue-1112	119	2	should	should	AUX
issue-1112	119	3	be	be	AUX
issue-1112	119	4	noted	note	VERB
issue-1112	119	5	that	that	SCONJ
issue-1112	119	6	the	the	DET
issue-1112	119	7	national	national	ADJ
issue-1112	119	8	banking	banking	NOUN
issue-1112	119	9	system	system	NOUN
issue-1112	119	10	has	have	VERB
issue-1112	119	11	a	a	DET
issue-1112	119	12	strong	strong	ADJ
issue-1112	119	13	innovation	innovation	NOUN
issue-1112	119	14	potential	potential	NOUN
issue-1112	119	15	for	for	ADP
issue-1112	119	16	active	active	ADJ
issue-1112	119	17	implementation	implementation	NOUN
issue-1112	119	18	of	of	ADP
issue-1112	119	19	financial	financial	ADJ
issue-1112	119	20	innovations	innovation	NOUN
issue-1112	119	21	,	,	PUNCT
issue-1112	119	22	but	but	CCONJ
issue-1112	119	23	the	the	DET
issue-1112	119	24	overall	overall	ADJ
issue-1112	119	25	digitalization	digitalization	NOUN
issue-1112	119	26	process	process	NOUN
issue-1112	119	27	needs	need	VERB
issue-1112	119	28	to	to	PART
issue-1112	119	29	be	be	AUX
issue-1112	119	30	accelerated	accelerate	VERB
issue-1112	119	31	(	(	PUNCT
issue-1112	119	32	ekkert	ekkert	ADJ
issue-1112	119	33	,	,	PUNCT
issue-1112	119	34	nestorenko	nestorenko	ADJ
issue-1112	119	35	,	,	PUNCT
issue-1112	119	36	szynk	szynk	NOUN
issue-1112	119	37	,	,	PUNCT
issue-1112	119	38	2019	2019	NUM
issue-1112	119	39	)	)	PUNCT
issue-1112	119	40	.	.	PUNCT
issue-1112	120	1	5	5	X
issue-1112	120	2	.	.	X
issue-1112	120	3	innovative	innovative	ADJ
issue-1112	120	4	financial	financial	ADJ
issue-1112	120	5	developments	development	NOUN
issue-1112	120	6	of	of	ADP
issue-1112	120	7	the	the	DET
issue-1112	120	8	world	world	NOUN
issue-1112	120	9	’s	’s	PART
issue-1112	120	10	leading	lead	VERB
issue-1112	120	11	banks	bank	NOUN
issue-1112	120	12	radical	radical	ADJ
issue-1112	120	13	innovations	innovation	NOUN
issue-1112	120	14	can	can	AUX
issue-1112	120	15	displace	displace	VERB
issue-1112	120	16	the	the	DET
issue-1112	120	17	dominant	dominant	ADJ
issue-1112	120	18	business	business	NOUN
issue-1112	120	19	model	model	NOUN
issue-1112	120	20	or	or	CCONJ
issue-1112	120	21	technology	technology	NOUN
issue-1112	120	22	and	and	CCONJ
issue-1112	120	23	create	create	VERB
issue-1112	120	24	a	a	DET
issue-1112	120	25	new	new	ADJ
issue-1112	120	26	market	market	NOUN
issue-1112	120	27	.	.	PUNCT
issue-1112	121	1	analysis	analysis	NOUN
issue-1112	121	2	of	of	ADP
issue-1112	121	3	innovative	innovative	ADJ
issue-1112	121	4	developments	development	NOUN
issue-1112	121	5	of	of	ADP
issue-1112	121	6	banks	bank	NOUN
issue-1112	121	7	around	around	ADP
issue-1112	121	8	the	the	DET
issue-1112	121	9	world	world	NOUN
issue-1112	121	10	for	for	ADP
issue-1112	121	11	the	the	DET
issue-1112	121	12	period	period	NOUN
issue-1112	121	13	2015–2019	2015–2019	NUM
issue-1112	121	14	proves	prove	VERB
issue-1112	121	15	that	that	SCONJ
issue-1112	121	16	financial	financial	ADJ
issue-1112	121	17	innovations	innovation	NOUN
issue-1112	121	18	have	have	AUX
issue-1112	121	19	changed	change	VERB
issue-1112	121	20	their	their	PRON
issue-1112	121	21	nature	nature	NOUN
issue-1112	121	22	and	and	CCONJ
issue-1112	121	23	are	be	AUX
issue-1112	121	24	based	base	VERB
issue-1112	121	25	on	on	ADP
issue-1112	121	26	the	the	DET
issue-1112	121	27	latest	late	ADJ
issue-1112	121	28	digital	digital	ADJ
issue-1112	121	29	technologies	technology	NOUN
issue-1112	121	30	.	.	PUNCT
issue-1112	122	1	las	las	PROPN
issue-1112	122	2	vegas	vegas	PROPN
issue-1112	122	3	holds	hold	VERB
issue-1112	122	4	an	an	DET
issue-1112	122	5	annual	annual	ADJ
issue-1112	122	6	bai	bai	ADJ
issue-1112	122	7	-	-	PUNCT
issue-1112	122	8	finance	finance	NOUN
issue-1112	122	9	global	global	ADJ
issue-1112	122	10	banking	banking	NOUN
issue-1112	122	11	innovation	innovation	NOUN
issue-1112	122	12	awards	award	NOUN
issue-1112	122	13	competition	competition	NOUN
issue-1112	122	14	,	,	PUNCT
issue-1112	122	15	in	in	ADP
issue-1112	122	16	which	which	PRON
issue-1112	122	17	the	the	DET
issue-1112	122	18	world	world	NOUN
issue-1112	122	19	’s	’s	PART
issue-1112	122	20	leading	lead	VERB
issue-1112	122	21	banks	bank	NOUN
issue-1112	122	22	compete	compete	VERB
issue-1112	122	23	and	and	CCONJ
issue-1112	122	24	demonstrate	demonstrate	VERB
issue-1112	122	25	their	their	PRON
issue-1112	122	26	innovative	innovative	ADJ
issue-1112	122	27	developments	development	NOUN
issue-1112	122	28	in	in	ADP
issue-1112	122	29	various	various	ADJ
issue-1112	122	30	areas	area	NOUN
issue-1112	122	31	.	.	PUNCT
issue-1112	123	1	the	the	DET
issue-1112	123	2	most	most	ADV
issue-1112	123	3	innovative	innovative	ADJ
issue-1112	123	4	financial	financial	ADJ
issue-1112	123	5	services	service	NOUN
issue-1112	123	6	organizations	organization	NOUN
issue-1112	123	7	for	for	ADP
issue-1112	123	8	the	the	DET
issue-1112	123	9	period	period	NOUN
issue-1112	123	10	2015	2015	NUM
issue-1112	123	11	-	-	SYM
issue-1112	123	12	2019	2019	NUM
issue-1112	123	13	were	be	AUX
issue-1112	123	14	awarded	award	VERB
issue-1112	123	15	the	the	DET
issue-1112	123	16	bank	bank	NOUN
issue-1112	123	17	of	of	ADP
issue-1112	123	18	east	east	PROPN
issue-1112	123	19	asia	asia	PROPN
issue-1112	123	20	,	,	PUNCT
issue-1112	123	21	limited	limit	VERB
issue-1112	123	22	(	(	PUNCT
issue-1112	123	23	hong	hong	PROPN
issue-1112	123	24	kong	kong	PROPN
issue-1112	123	25	,	,	PUNCT
issue-1112	123	26	china	china	PROPN
issue-1112	123	27	)	)	PUNCT
issue-1112	123	28	,	,	PUNCT
issue-1112	123	29	denizbank	denizbank	NOUN
issue-1112	123	30	(	(	PUNCT
issue-1112	123	31	turkey	turkey	PROPN
issue-1112	123	32	)	)	PUNCT
issue-1112	123	33	,	,	PUNCT
issue-1112	123	34	emirates	emirates	PROPN
issue-1112	123	35	nbd	nbd	PROPN
issue-1112	123	36	bank	bank	PROPN
issue-1112	123	37	(	(	PUNCT
issue-1112	123	38	united	united	PROPN
issue-1112	123	39	arab	arab	PROPN
issue-1112	123	40	emirates	emirates	PROPN
issue-1112	123	41	)	)	PUNCT
issue-1112	123	42	,	,	PUNCT
issue-1112	123	43	usaa	usaa	PROPN
issue-1112	123	44	(	(	PUNCT
issue-1112	123	45	san	san	PROPN
issue-1112	123	46	antonio	antonio	PROPN
issue-1112	123	47	,	,	PUNCT
issue-1112	123	48	tx	tx	PROPN
issue-1112	123	49	,	,	PUNCT
issue-1112	123	50	usa	usa	PROPN
issue-1112	123	51	)	)	PUNCT
issue-1112	123	52	,	,	PUNCT
issue-1112	123	53	city	city	NOUN
issue-1112	123	54	ventures	venture	NOUN
issue-1112	123	55	(	(	PUNCT
issue-1112	123	56	usa	usa	PROPN
issue-1112	123	57	)	)	PUNCT
issue-1112	123	58	(	(	PUNCT
issue-1112	123	59	table	table	NOUN
issue-1112	123	60	1	1	NUM
issue-1112	123	61	)	)	PUNCT
issue-1112	123	62	(	(	PUNCT
issue-1112	123	63	the	the	DET
issue-1112	123	64	bai	bai	PROPN
issue-1112	123	65	global	global	PROPN
issue-1112	123	66	innovation	innovation	PROPN
issue-1112	123	67	awards	award	NOUN
issue-1112	123	68	,	,	PUNCT
issue-1112	123	69	2021	2021	NUM
issue-1112	123	70	)	)	PUNCT
issue-1112	123	71	.	.	PUNCT
issue-1112	124	1	according	accord	VERB
issue-1112	124	2	to	to	ADP
issue-1112	124	3	the	the	DET
issue-1112	124	4	bai	bai	PROPN
issue-1112	124	5	global	global	PROPN
issue-1112	124	6	innovation	innovation	PROPN
issue-1112	124	7	awards	award	NOUN
issue-1112	124	8	,	,	PUNCT
issue-1112	124	9	we	we	PRON
issue-1112	124	10	can	can	AUX
issue-1112	124	11	explore	explore	VERB
issue-1112	124	12	the	the	DET
issue-1112	124	13	rapid	rapid	ADJ
issue-1112	124	14	and	and	CCONJ
issue-1112	124	15	successful	successful	ADJ
issue-1112	124	16	development	development	NOUN
issue-1112	124	17	of	of	ADP
issue-1112	124	18	innovative	innovative	ADJ
issue-1112	124	19	financial	financial	ADJ
issue-1112	124	20	institutions	institution	NOUN
issue-1112	124	21	.	.	PUNCT
issue-1112	125	1	the	the	DET
issue-1112	125	2	bank	bank	PROPN
issue-1112	125	3	of	of	ADP
issue-1112	125	4	east	east	PROPN
issue-1112	125	5	asia	asia	PROPN
issue-1112	125	6	,	,	PUNCT
issue-1112	125	7	limited	limit	VERB
issue-1112	125	8	(	(	PUNCT
issue-1112	125	9	bea	bea	PROPN
issue-1112	125	10	)	)	PUNCT
issue-1112	125	11	has	have	VERB
issue-1112	125	12	a	a	DET
issue-1112	125	13	long	long	ADJ
issue-1112	125	14	tradition	tradition	NOUN
issue-1112	125	15	of	of	ADP
issue-1112	125	16	innovation	innovation	NOUN
issue-1112	125	17	.	.	PUNCT
issue-1112	126	1	dating	date	VERB
issue-1112	126	2	as	as	ADV
issue-1112	126	3	far	far	ADV
issue-1112	126	4	back	back	ADV
issue-1112	126	5	as	as	ADP
issue-1112	126	6	1969	1969	NUM
issue-1112	126	7	,	,	PUNCT
issue-1112	126	8	bea	bea	PROPN
issue-1112	126	9	was	be	AUX
issue-1112	126	10	one	one	NUM
issue-1112	126	11	of	of	ADP
issue-1112	126	12	the	the	DET
issue-1112	126	13	first	first	ADJ
issue-1112	126	14	chinese	chinese	ADJ
issue-1112	126	15	banks	bank	NOUN
issue-1112	126	16	in	in	ADP
issue-1112	126	17	hong	hong	PROPN
issue-1112	126	18	kong	kong	PROPN
issue-1112	126	19	to	to	PART
issue-1112	126	20	introduce	introduce	VERB
issue-1112	126	21	advanced	advanced	ADJ
issue-1112	126	22	technology	technology	NOUN
issue-1112	126	23	to	to	ADP
issue-1112	126	24	their	their	PRON
issue-1112	126	25	operations	operation	NOUN
issue-1112	126	26	with	with	ADP
issue-1112	126	27	the	the	DET
issue-1112	126	28	installation	installation	NOUN
issue-1112	126	29	of	of	ADP
issue-1112	126	30	a	a	DET
issue-1112	126	31	state	state	NOUN
issue-1112	126	32	-	-	PUNCT
issue-1112	126	33	of	of	ADP
issue-1112	126	34	-	-	PUNCT
issue-1112	126	35	the	the	DET
issue-1112	126	36	-	-	PUNCT
issue-1112	126	37	art	art	NOUN
issue-1112	126	38	computer	computer	NOUN
issue-1112	126	39	system	system	NOUN
issue-1112	126	40	.	.	PUNCT
issue-1112	127	1	always	always	ADV
issue-1112	127	2	striving	strive	VERB
issue-1112	127	3	to	to	PART
issue-1112	127	4	provide	provide	VERB
issue-1112	127	5	bestin	bestin	NOUN
issue-1112	127	6	-	-	PUNCT
issue-1112	127	7	class	class	NOUN
issue-1112	127	8	financial	financial	ADJ
issue-1112	127	9	services	service	NOUN
issue-1112	127	10	,	,	PUNCT
issue-1112	127	11	bea	bea	PROPN
issue-1112	127	12	upholds	uphold	VERB
issue-1112	127	13	five	five	NUM
issue-1112	127	14	core	core	NOUN
issue-1112	127	15	values	value	NOUN
issue-1112	127	16	:	:	PUNCT
issue-1112	127	17	professionalism	professionalism	NOUN
issue-1112	127	18	,	,	PUNCT
issue-1112	127	19	customer	customer	NOUN
issue-1112	127	20	-	-	PUNCT
issue-1112	127	21	focus	focus	NOUN
issue-1112	127	22	,	,	PUNCT
issue-1112	127	23	integrity	integrity	NOUN
issue-1112	127	24	,	,	PUNCT
issue-1112	127	25	progressiveness	progressiveness	NOUN
issue-1112	127	26	,	,	PUNCT
issue-1112	127	27	and	and	CCONJ
issue-1112	127	28	innovation	innovation	NOUN
issue-1112	127	29	.	.	PUNCT
issue-1112	128	1	this	this	DET
issue-1112	128	2	ethos	ethos	NOUN
issue-1112	128	3	is	be	AUX
issue-1112	128	4	the	the	DET
issue-1112	128	5	foundation	foundation	NOUN
issue-1112	128	6	stone	stone	NOUN
issue-1112	128	7	,	,	PUNCT
issue-1112	128	8	on	on	ADP
issue-1112	128	9	which	which	PRON
issue-1112	128	10	the	the	DET
issue-1112	128	11	culture	culture	NOUN
issue-1112	128	12	of	of	ADP
issue-1112	128	13	innovation	innovation	NOUN
issue-1112	128	14	within	within	ADP
issue-1112	128	15	bea	bea	PROPN
issue-1112	128	16	is	be	AUX
issue-1112	128	17	built	build	VERB
issue-1112	128	18	,	,	PUNCT
issue-1112	128	19	and	and	CCONJ
issue-1112	128	20	over	over	ADP
issue-1112	128	21	the	the	DET
issue-1112	128	22	years	year	NOUN
issue-1112	128	23	has	have	AUX
issue-1112	128	24	enabled	enable	VERB
issue-1112	128	25	bea	bea	PROPN
issue-1112	128	26	to	to	PART
issue-1112	128	27	hold	hold	VERB
issue-1112	128	28	a	a	DET
issue-1112	128	29	strong	strong	ADJ
issue-1112	128	30	track	track	NOUN
issue-1112	128	31	record	record	NOUN
issue-1112	128	32	as	as	ADP
issue-1112	128	33	a	a	DET
issue-1112	128	34	market	market	NOUN
issue-1112	128	35	leader	leader	NOUN
issue-1112	128	36	and	and	CCONJ
issue-1112	128	37	pioneer	pioneer	NOUN
issue-1112	128	38	in	in	ADP
issue-1112	128	39	online	online	ADJ
issue-1112	128	40	banking	banking	NOUN
issue-1112	128	41	.	.	PUNCT
issue-1112	129	1	through	through	ADP
issue-1112	129	2	different	different	ADJ
issue-1112	129	3	channels	channel	NOUN
issue-1112	129	4	,	,	PUNCT
issue-1112	129	5	customers	customer	NOUN
issue-1112	129	6	are	be	AUX
issue-1112	129	7	invited	invite	VERB
issue-1112	129	8	to	to	PART
issue-1112	129	9	share	share	VERB
issue-1112	129	10	opinions	opinion	NOUN
issue-1112	129	11	and	and	CCONJ
issue-1112	129	12	suggestions	suggestion	NOUN
issue-1112	129	13	,	,	PUNCT
issue-1112	129	14	additionally	additionally	ADV
issue-1112	129	15	;	;	PUNCT
issue-1112	129	16	bea	bea	PROPN
issue-1112	129	17	is	be	AUX
issue-1112	129	18	also	also	ADV
issue-1112	129	19	dedicated	dedicate	VERB
issue-1112	129	20	to	to	ADP
issue-1112	129	21	originality	originality	NOUN
issue-1112	129	22	and	and	CCONJ
issue-1112	129	23	in	in	ADP
issue-1112	129	24	-	-	PUNCT
issue-1112	129	25	house	house	NOUN
issue-1112	129	26	development	development	NOUN
issue-1112	129	27	.	.	PUNCT
issue-1112	130	1	to	to	PART
issue-1112	130	2	source	source	VERB
issue-1112	130	3	the	the	DET
issue-1112	130	4	best	good	ADJ
issue-1112	130	5	ideas	idea	NOUN
issue-1112	130	6	and	and	CCONJ
issue-1112	130	7	encourage	encourage	VERB
issue-1112	130	8	creative	creative	ADJ
issue-1112	130	9	thinking	thinking	NOUN
issue-1112	130	10	,	,	PUNCT
issue-1112	130	11	bea	bea	PROPN
issue-1112	130	12	welcomes	welcome	VERB
issue-1112	130	13	suggestions	suggestion	NOUN
issue-1112	130	14	from	from	ADP
issue-1112	130	15	nearly	nearly	ADV
issue-1112	130	16	6,000	6,000	NUM
issue-1112	130	17	employees	employee	NOUN
issue-1112	130	18	in	in	ADP
issue-1112	130	19	hong	hong	PROPN
issue-1112	130	20	kong	kong	PROPN
issue-1112	130	21	.	.	PUNCT
issue-1112	131	1	ideas	idea	NOUN
issue-1112	131	2	and	and	CCONJ
issue-1112	131	3	suggestion	suggestion	NOUN
issue-1112	131	4	can	can	AUX
issue-1112	131	5	be	be	AUX
issue-1112	131	6	submitted	submit	VERB
issue-1112	131	7	quarterly	quarterly	ADV
issue-1112	131	8	and	and	CCONJ
issue-1112	131	9	a	a	DET
issue-1112	131	10	generous	generous	ADJ
issue-1112	131	11	cash	cash	NOUN
issue-1112	131	12	prize	prize	NOUN
issue-1112	131	13	is	be	AUX
issue-1112	131	14	awarded	award	VERB
issue-1112	131	15	for	for	ADP
issue-1112	131	16	the	the	DET
issue-1112	131	17	best	good	ADJ
issue-1112	131	18	entry	entry	NOUN
issue-1112	131	19	.	.	PUNCT
issue-1112	132	1	denizbank	denizbank	PROPN
issue-1112	132	2	’s	’s	PART
issue-1112	132	3	success	success	NOUN
issue-1112	132	4	in	in	ADP
issue-1112	132	5	innovation	innovation	NOUN
issue-1112	132	6	lies	lie	VERB
issue-1112	132	7	in	in	ADP
issue-1112	132	8	the	the	DET
issue-1112	132	9	composition	composition	NOUN
issue-1112	132	10	of	of	ADP
issue-1112	132	11	multiple	multiple	ADJ
issue-1112	132	12	factors	factor	NOUN
issue-1112	132	13	.	.	PUNCT
issue-1112	133	1	special	special	ADJ
issue-1112	133	2	innovation	innovation	NOUN
issue-1112	133	3	teams	team	NOUN
issue-1112	133	4	and	and	CCONJ
issue-1112	133	5	innovation	innovation	NOUN
issue-1112	133	6	committee	committee	NOUN
issue-1112	133	7	structures	structure	NOUN
issue-1112	133	8	are	be	AUX
issue-1112	133	9	formed	form	VERB
issue-1112	133	10	to	to	PART
issue-1112	133	11	focus	focus	VERB
issue-1112	133	12	on	on	ADP
issue-1112	133	13	the	the	DET
issue-1112	133	14	customer	customer	NOUN
issue-1112	133	15	’s	’s	PART
issue-1112	133	16	problems	problem	NOUN
issue-1112	133	17	and	and	CCONJ
issue-1112	133	18	innovative	innovative	ADJ
issue-1112	133	19	solutions	solution	NOUN
issue-1112	133	20	together	together	ADV
issue-1112	133	21	with	with	ADP
issue-1112	133	22	the	the	DET
issue-1112	133	23	business	business	NOUN
issue-1112	133	24	and	and	CCONJ
issue-1112	133	25	technology	technology	NOUN
issue-1112	133	26	teams	team	NOUN
issue-1112	133	27	,	,	PUNCT
issue-1112	133	28	which	which	PRON
issue-1112	133	29	accelerate	accelerate	VERB
issue-1112	133	30	and	and	CCONJ
issue-1112	133	31	encourage	encourage	VERB
issue-1112	133	32	the	the	DET
issue-1112	133	33	innovation	innovation	NOUN
issue-1112	133	34	process	process	NOUN
issue-1112	133	35	.	.	PUNCT
issue-1112	134	1	to	to	PART
issue-1112	134	2	improve	improve	VERB
issue-1112	134	3	its	its	PRON
issue-1112	134	4	open	open	ADJ
issue-1112	134	5	innovation	innovation	NOUN
issue-1112	134	6	network	network	NOUN
issue-1112	134	7	,	,	PUNCT
issue-1112	134	8	denizbank	denizbank	NOUN
issue-1112	134	9	continuously	continuously	ADV
issue-1112	134	10	cooperates	cooperate	VERB
issue-1112	134	11	with	with	ADP
issue-1112	134	12	intelligent	intelligent	ADJ
issue-1112	134	13	business	business	NOUN
issue-1112	134	14	partners	partner	NOUN
issue-1112	134	15	and	and	CCONJ
issue-1112	134	16	works	work	VERB
issue-1112	134	17	to	to	PART
issue-1112	134	18	develop	develop	VERB
issue-1112	134	19	new	new	ADJ
issue-1112	134	20	business	business	NOUN
issue-1112	134	21	models	model	NOUN
issue-1112	134	22	.	.	PUNCT
issue-1112	135	1	emirates	emirates	PROPN
issue-1112	135	2	nbd	nbd	PROPN
issue-1112	135	3	is	be	AUX
issue-1112	135	4	proud	proud	ADJ
issue-1112	135	5	to	to	PART
issue-1112	135	6	be	be	AUX
issue-1112	135	7	a	a	DET
issue-1112	135	8	global	global	ADJ
issue-1112	135	9	leader	leader	NOUN
issue-1112	135	10	in	in	ADP
issue-1112	135	11	innovation	innovation	NOUN
issue-1112	135	12	by	by	ADP
issue-1112	135	13	developing	develop	VERB
issue-1112	135	14	smart	smart	ADJ
issue-1112	135	15	and	and	CCONJ
issue-1112	135	16	user	user	NOUN
issue-1112	135	17	-	-	PUNCT
issue-1112	135	18	friendly	friendly	ADJ
issue-1112	135	19	products	product	NOUN
issue-1112	135	20	every	every	DET
issue-1112	135	21	year	year	NOUN
issue-1112	135	22	.	.	PUNCT
issue-1112	136	1	with	with	ADP
issue-1112	136	2	the	the	DET
issue-1112	136	3	mission	mission	NOUN
issue-1112	136	4	of	of	ADP
issue-1112	136	5	making	make	VERB
issue-1112	136	6	its	its	PRON
issue-1112	136	7	customers	customer	NOUN
issue-1112	136	8	’	'	PUNCT
issue-1112	136	9	lives	live	VERB
issue-1112	136	10	simpler	simple	ADJ
issue-1112	136	11	by	by	ADP
issue-1112	136	12	providing	provide	VERB
issue-1112	136	13	solutions	solution	NOUN
issue-1112	136	14	that	that	PRON
issue-1112	136	15	help	help	VERB
issue-1112	136	16	them	they	PRON
issue-1112	136	17	fulfill	fulfill	VERB
issue-1112	136	18	their	their	PRON
issue-1112	136	19	financial	financial	ADJ
issue-1112	136	20	aspirations	aspiration	NOUN
issue-1112	136	21	,	,	PUNCT
issue-1112	136	22	innovation	innovation	NOUN
issue-1112	136	23	is	be	AUX
issue-1112	136	24	a	a	DET
issue-1112	136	25	core	core	NOUN
issue-1112	136	26	value	value	NOUN
issue-1112	136	27	at	at	ADP
issue-1112	136	28	emirates	emirates	PROPN
issue-1112	136	29	nbd	nbd	PROPN
issue-1112	136	30	–	–	PUNCT
issue-1112	136	31	driven	drive	VERB
issue-1112	136	32	from	from	ADP
issue-1112	136	33	the	the	DET
issue-1112	136	34	chairman	chairman	NOUN
issue-1112	136	35	,	,	PUNCT
issue-1112	136	36	ceo	ceo	NOUN
issue-1112	136	37	and	and	CCONJ
issue-1112	136	38	executive	executive	PROPN
issue-1112	136	39	board	board	NOUN
issue-1112	136	40	to	to	ADP
issue-1112	136	41	all	all	DET
issue-1112	136	42	levels	level	NOUN
issue-1112	136	43	of	of	ADP
issue-1112	136	44	employees	employee	NOUN
issue-1112	136	45	.	.	PUNCT
issue-1112	137	1	having	having	AUX
issue-1112	137	2	already	already	ADV
issue-1112	137	3	witnessed	witness	VERB
issue-1112	137	4	exceptional	exceptional	ADJ
issue-1112	137	5	achievements	achievement	NOUN
issue-1112	137	6	,	,	PUNCT
issue-1112	137	7	emirates	emirates	PROPN
issue-1112	137	8	nbd	nbd	PROPN
issue-1112	137	9	promised	promise	VERB
issue-1112	137	10	to	to	PART
issue-1112	137	11	invest	invest	VERB
issue-1112	137	12	500	500	NUM
issue-1112	137	13	million	million	NUM
issue-1112	137	14	aed	aed	NOUN
issue-1112	137	15	(	(	PUNCT
issue-1112	137	16	~140	~140	NOUN
issue-1112	137	17	million	million	NUM
issue-1112	137	18	usd	usd	NOUN
issue-1112	137	19	)	)	PUNCT
issue-1112	137	20	over	over	ADP
issue-1112	137	21	the	the	DET
issue-1112	137	22	next	next	ADJ
issue-1112	137	23	three	three	NUM
issue-1112	137	24	years	year	NOUN
issue-1112	137	25	in	in	ADP
issue-1112	137	26	digital	digital	ADJ
issue-1112	137	27	innovation	innovation	NOUN
issue-1112	137	28	.	.	PUNCT
issue-1112	138	1	the	the	DET
issue-1112	138	2	bank	bank	NOUN
issue-1112	138	3	’s	’s	PART
issue-1112	138	4	continued	continue	VERB
issue-1112	138	5	growth	growth	NOUN
issue-1112	138	6	is	be	AUX
issue-1112	138	7	a	a	DET
issue-1112	138	8	testimony	testimony	NOUN
issue-1112	138	9	to	to	ADP
issue-1112	138	10	the	the	DET
issue-1112	138	11	exceptional	exceptional	ADJ
issue-1112	138	12	dedication	dedication	NOUN
issue-1112	138	13	overall	overall	ADV
issue-1112	138	14	that	that	PRON
issue-1112	138	15	makes	make	VERB
issue-1112	138	16	enbd	enbd	VERB
issue-1112	138	17	a	a	DET
issue-1112	138	18	factory	factory	NOUN
issue-1112	138	19	of	of	ADP
issue-1112	138	20	innovation	innovation	NOUN
issue-1112	138	21	.	.	PUNCT
issue-1112	139	1	innovation	innovation	NOUN
issue-1112	139	2	at	at	ADP
issue-1112	139	3	usaa	usaa	PROPN
issue-1112	139	4	is	be	AUX
issue-1112	139	5	purpose	purpose	NOUN
issue-1112	139	6	-	-	PUNCT
issue-1112	139	7	driven	drive	VERB
issue-1112	139	8	.	.	PUNCT
issue-1112	140	1	the	the	DET
issue-1112	140	2	purpose	purpose	NOUN
issue-1112	140	3	is	be	AUX
issue-1112	140	4	their	their	PRON
issue-1112	140	5	mission	mission	NOUN
issue-1112	140	6	,	,	PUNCT
issue-1112	140	7	facilitating	facilitate	VERB
issue-1112	140	8	the	the	DET
issue-1112	140	9	financial	financial	ADJ
issue-1112	140	10	security	security	NOUN
issue-1112	140	11	of	of	ADP
issue-1112	140	12	the	the	DET
issue-1112	140	13	military	military	ADJ
issue-1112	140	14	community	community	NOUN
issue-1112	140	15	,	,	PUNCT
issue-1112	140	16	and	and	CCONJ
issue-1112	140	17	delivering	deliver	VERB
issue-1112	140	18	excellent	excellent	ADJ
issue-1112	140	19	service	service	NOUN
issue-1112	140	20	.	.	PUNCT
issue-1112	141	1	their	their	PRON
issue-1112	141	2	focus	focus	NOUN
issue-1112	141	3	starts	start	VERB
issue-1112	141	4	with	with	ADP
issue-1112	141	5	their	their	PRON
issue-1112	141	6	members	member	NOUN
issue-1112	141	7	,	,	PUNCT
issue-1112	141	8	how	how	SCONJ
issue-1112	141	9	they	they	PRON
issue-1112	141	10	can	can	AUX
issue-1112	141	11	continue	continue	VERB
issue-1112	141	12	to	to	PART
issue-1112	141	13	serve	serve	VERB
issue-1112	141	14	them	they	PRON
issue-1112	141	15	better	well	ADJ
issue-1112	141	16	than	than	ADP
issue-1112	141	17	anyone	anyone	PRON
issue-1112	141	18	else	else	ADV
issue-1112	141	19	,	,	PUNCT
issue-1112	141	20	and	and	CCONJ
issue-1112	141	21	how	how	SCONJ
issue-1112	141	22	they	they	PRON
issue-1112	141	23	can	can	AUX
issue-1112	141	24	maintain	maintain	VERB
issue-1112	141	25	usaa	usaa	PROPN
issue-1112	141	26	’s	’s	PART
issue-1112	141	27	legacy	legacy	NOUN
issue-1112	141	28	for	for	ADP
issue-1112	141	29	the	the	DET
issue-1112	141	30	next	next	ADJ
issue-1112	141	31	100	100	NUM
issue-1112	141	32	years	year	NOUN
issue-1112	141	33	.	.	PUNCT
issue-1112	142	1	their	their	PRON
issue-1112	142	2	innovations	innovation	NOUN
issue-1112	142	3	help	help	VERB
issue-1112	142	4	make	make	VERB
issue-1112	142	5	members	member	NOUN
issue-1112	142	6	’	'	PUNCT
issue-1112	142	7	lives	live	VERB
issue-1112	142	8	easier	easy	ADJ
issue-1112	142	9	and	and	CCONJ
issue-1112	142	10	enable	enable	VERB
issue-1112	142	11	them	they	PRON
issue-1112	142	12	to	to	PART
issue-1112	142	13	be	be	AUX
issue-1112	142	14	more	more	ADV
issue-1112	142	15	financially	financially	ADV
issue-1112	142	16	secure	secure	ADJ
issue-1112	142	17	.	.	PUNCT
issue-1112	143	1	through	through	ADP
issue-1112	143	2	innovation	innovation	NOUN
issue-1112	143	3	,	,	PUNCT
issue-1112	143	4	they	they	PRON
issue-1112	143	5	seek	seek	VERB
issue-1112	143	6	to	to	PART
issue-1112	143	7	deliver	deliver	VERB
issue-1112	143	8	tangible	tangible	ADJ
issue-1112	143	9	value	value	NOUN
issue-1112	143	10	to	to	ADP
issue-1112	143	11	members	member	NOUN
issue-1112	143	12	,	,	PUNCT
issue-1112	143	13	employees	employee	NOUN
issue-1112	143	14	and	and	CCONJ
issue-1112	143	15	usaa	usaa	PROPN
issue-1112	143	16	.	.	PUNCT
issue-1112	144	1	their	their	PRON
issue-1112	144	2	2017	2017	NUM
issue-1112	144	3	innovations	innovation	NOUN
issue-1112	144	4	enabled	enable	VERB
issue-1112	144	5	1.7	1.7	NUM
issue-1112	144	6	billion	billion	NUM
issue-1112	144	7	usd	usd	NOUN
issue-1112	144	8	in	in	ADP
issue-1112	144	9	value	value	NOUN
issue-1112	144	10	back	back	ADV
issue-1112	144	11	to	to	ADP
issue-1112	144	12	usaa	usaa	PROPN
issue-1112	144	13	and	and	CCONJ
issue-1112	144	14	5.3	5.3	NUM
issue-1112	144	15	million	million	NUM
issue-1112	144	16	usd	usd	NOUN
issue-1112	144	17	in	in	ADP
issue-1112	144	18	cost	cost	NOUN
issue-1112	144	19	savings	saving	NOUN
issue-1112	144	20	were	be	AUX
issue-1112	144	21	confirmed	confirm	VERB
issue-1112	144	22	by	by	ADP
issue-1112	144	23	their	their	PRON
issue-1112	144	24	line	line	NOUN
issue-1112	144	25	of	of	ADP
issue-1112	144	26	business	business	NOUN
issue-1112	144	27	partners	partner	NOUN
issue-1112	144	28	.	.	PUNCT
issue-1112	145	1	over	over	ADP
issue-1112	145	2	92	92	NUM
issue-1112	145	3	percent	percent	NOUN
issue-1112	145	4	of	of	ADP
issue-1112	145	5	their	their	PRON
issue-1112	145	6	employees	employee	NOUN
issue-1112	145	7	participate	participate	VERB
issue-1112	145	8	in	in	ADP
issue-1112	145	9	the	the	DET
issue-1112	145	10	innovation	innovation	NOUN
issue-1112	145	11	process	process	NOUN
issue-1112	145	12	.	.	PUNCT
issue-1112	146	1	citi	citi	PROPN
issue-1112	146	2	ventures	ventures	PROPN
issue-1112	146	3	accelerates	accelerate	VERB
issue-1112	146	4	the	the	DET
issue-1112	146	5	adoption	adoption	NOUN
issue-1112	146	6	of	of	ADP
issue-1112	146	7	the	the	DET
issue-1112	146	8	new	new	ADJ
issue-1112	146	9	business	business	NOUN
issue-1112	146	10	models	model	NOUN
issue-1112	146	11	and	and	CCONJ
issue-1112	146	12	discovers	discover	VERB
issue-1112	146	13	new	new	ADJ
issue-1112	146	14	sources	source	NOUN
issue-1112	146	15	of	of	ADP
issue-1112	146	16	value	value	NOUN
issue-1112	146	17	by	by	ADP
issue-1112	146	18	exploring	explore	VERB
issue-1112	146	19	,	,	PUNCT
issue-1112	146	20	incubating	incubating	NOUN
issue-1112	146	21	,	,	PUNCT
issue-1112	146	22	and	and	CCONJ
issue-1112	146	23	investing	invest	VERB
issue-1112	146	24	in	in	ADP
issue-1112	146	25	new	new	ADJ
issue-1112	146	26	ideas	idea	NOUN
issue-1112	146	27	in	in	ADP
issue-1112	146	28	collaboration	collaboration	NOUN
issue-1112	146	29	with	with	ADP
issue-1112	146	30	citi	citi	PROPN
issue-1112	146	31	colleagues	colleague	NOUN
issue-1112	146	32	,	,	PUNCT
issue-1112	146	33	our	our	PRON
issue-1112	146	34	clients	client	NOUN
issue-1112	146	35	,	,	PUNCT
issue-1112	146	36	and	and	CCONJ
issue-1112	146	37	the	the	DET
issue-1112	146	38	innovation	innovation	NOUN
issue-1112	146	39	ecosystem	ecosystem	NOUN
issue-1112	146	40	.	.	PUNCT
issue-1112	147	1	information	information	NOUN
issue-1112	147	2	about	about	ADP
issue-1112	147	3	the	the	DET
issue-1112	147	4	winners	winner	NOUN
issue-1112	147	5	and	and	CCONJ
issue-1112	147	6	their	their	PRON
issue-1112	147	7	innovative	innovative	ADJ
issue-1112	147	8	developments	development	NOUN
issue-1112	147	9	in	in	ADP
issue-1112	147	10	the	the	DET
issue-1112	147	11	category	category	NOUN
issue-1112	147	12	“	"	PUNCT
issue-1112	147	13	product	product	NOUN
issue-1112	147	14	and	and	CCONJ
issue-1112	147	15	service	service	NOUN
issue-1112	147	16	financial	financial	ADJ
issue-1112	147	17	innovation	innovation	NOUN
issue-1112	147	18	”	"	PUNCT
issue-1112	147	19	according	accord	VERB
issue-1112	147	20	to	to	ADP
issue-1112	147	21	the	the	DET
issue-1112	147	22	bai	bai	PROPN
issue-1112	147	23	global	global	PROPN
issue-1112	147	24	baltic	baltic	PROPN
issue-1112	147	25	journal	journal	PROPN
issue-1112	147	26	of	of	ADP
issue-1112	147	27	economic	economic	ADJ
issue-1112	147	28	studies	study	NOUN
issue-1112	147	29	194	194	NUM
issue-1112	147	30	vol	vol	NOUN
issue-1112	147	31	.	.	PROPN
issue-1112	147	32	7	7	NUM
issue-1112	148	1	no	no	NOUN
issue-1112	148	2	.	.	NOUN
issue-1112	148	3	2	2	NUM
issue-1112	148	4	,	,	PUNCT
issue-1112	148	5	2021	2021	NUM
issue-1112	148	6	table	table	NOUN
issue-1112	148	7	1	1	NUM
issue-1112	148	8	most	most	ADV
issue-1112	148	9	innovative	innovative	ADJ
issue-1112	148	10	financial	financial	ADJ
issue-1112	148	11	services	service	NOUN
issue-1112	148	12	organization	organization	NOUN
issue-1112	148	13	of	of	ADP
issue-1112	148	14	the	the	DET
issue-1112	148	15	year	year	NOUN
issue-1112	148	16	year	year	NOUN
issue-1112	148	17	innovator	innovator	NOUN
issue-1112	148	18	innovation	innovation	NOUN
issue-1112	148	19	2015	2015	NUM
issue-1112	148	20	the	the	DET
issue-1112	148	21	bank	bank	PROPN
issue-1112	148	22	of	of	ADP
issue-1112	148	23	east	east	PROPN
issue-1112	148	24	asia	asia	PROPN
issue-1112	148	25	,	,	PUNCT
issue-1112	148	26	limited	limit	VERB
issue-1112	148	27	(	(	PUNCT
issue-1112	148	28	hong	hong	PROPN
issue-1112	148	29	kong	kong	PROPN
issue-1112	148	30	,	,	PUNCT
issue-1112	148	31	china	china	PROPN
issue-1112	148	32	)	)	PUNCT
issue-1112	148	33	taking	take	VERB
issue-1112	148	34	a	a	DET
issue-1112	148	35	customer	customer	NOUN
issue-1112	148	36	-	-	PUNCT
issue-1112	148	37	centric	centric	NOUN
issue-1112	148	38	approach	approach	NOUN
issue-1112	148	39	,	,	PUNCT
issue-1112	148	40	bea	bea	PROPN
issue-1112	148	41	continues	continue	VERB
issue-1112	148	42	to	to	PART
issue-1112	148	43	innovate	innovate	VERB
issue-1112	148	44	to	to	PART
issue-1112	148	45	enhance	enhance	VERB
issue-1112	148	46	the	the	DET
issue-1112	148	47	customer	customer	NOUN
issue-1112	148	48	experience	experience	NOUN
issue-1112	148	49	.	.	PUNCT
issue-1112	149	1	this	this	PRON
issue-1112	149	2	is	be	AUX
issue-1112	149	3	evident	evident	ADJ
issue-1112	149	4	from	from	ADP
issue-1112	149	5	the	the	DET
issue-1112	149	6	revitalization	revitalization	NOUN
issue-1112	149	7	of	of	ADP
issue-1112	149	8	supremegold	supremegold	ADJ
issue-1112	149	9	which	which	PRON
issue-1112	149	10	was	be	AUX
issue-1112	149	11	a	a	DET
issue-1112	149	12	new	new	ADJ
issue-1112	149	13	direction	direction	NOUN
issue-1112	149	14	for	for	ADP
issue-1112	149	15	the	the	DET
issue-1112	149	16	bank	bank	NOUN
issue-1112	149	17	and	and	CCONJ
issue-1112	149	18	part	part	NOUN
issue-1112	149	19	of	of	ADP
issue-1112	149	20	bea	bea	PROPN
issue-1112	149	21	’s	’s	PART
issue-1112	149	22	ongoing	ongoing	ADJ
issue-1112	149	23	commitment	commitment	NOUN
issue-1112	149	24	to	to	PART
issue-1112	149	25	constantly	constantly	ADV
issue-1112	149	26	develop	develop	VERB
issue-1112	149	27	and	and	CCONJ
issue-1112	149	28	search	search	VERB
issue-1112	149	29	for	for	ADP
issue-1112	149	30	advanced	advanced	ADJ
issue-1112	149	31	solutions	solution	NOUN
issue-1112	149	32	to	to	PART
issue-1112	149	33	best	good	ADJ
issue-1112	149	34	suit	suit	VERB
issue-1112	149	35	their	their	PRON
issue-1112	149	36	customers	customer	NOUN
issue-1112	149	37	’	'	PUNCT
issue-1112	149	38	changing	change	VERB
issue-1112	149	39	needs	need	NOUN
issue-1112	149	40	.	.	PUNCT
issue-1112	150	1	2016	2016	NUM
issue-1112	150	2	denizbank	denizbank	NOUN
issue-1112	150	3	(	(	PUNCT
issue-1112	150	4	turkey	turkey	NOUN
issue-1112	150	5	)	)	PUNCT
issue-1112	150	6	besides	besides	SCONJ
issue-1112	150	7	organizational	organizational	ADJ
issue-1112	150	8	positioning	positioning	NOUN
issue-1112	150	9	,	,	PUNCT
issue-1112	150	10	denizbank	denizbank	PROPN
issue-1112	150	11	is	be	AUX
issue-1112	150	12	committed	commit	VERB
issue-1112	150	13	to	to	ADP
issue-1112	150	14	diffusing	diffuse	VERB
issue-1112	150	15	an	an	DET
issue-1112	150	16	innovative	innovative	ADJ
issue-1112	150	17	culture	culture	NOUN
issue-1112	150	18	throughout	throughout	ADP
issue-1112	150	19	the	the	DET
issue-1112	150	20	company	company	NOUN
issue-1112	150	21	where	where	SCONJ
issue-1112	150	22	every	every	DET
issue-1112	150	23	employee	employee	NOUN
issue-1112	150	24	believes	believe	VERB
issue-1112	150	25	in	in	ADP
issue-1112	150	26	collective	collective	ADJ
issue-1112	150	27	wisdom	wisdom	NOUN
issue-1112	150	28	and	and	CCONJ
issue-1112	150	29	synergy	synergy	NOUN
issue-1112	150	30	.	.	PUNCT
issue-1112	151	1	as	as	SCONJ
issue-1112	151	2	customers	customer	NOUN
issue-1112	151	3	are	be	AUX
issue-1112	151	4	more	more	ADV
issue-1112	151	5	connected	connected	ADJ
issue-1112	151	6	than	than	ADP
issue-1112	151	7	ever	ever	ADV
issue-1112	151	8	,	,	PUNCT
issue-1112	151	9	all	all	DET
issue-1112	151	10	denizbankers	denizbanker	NOUN
issue-1112	151	11	devote	devote	VERB
issue-1112	151	12	themselves	themselves	PRON
issue-1112	151	13	to	to	ADP
issue-1112	151	14	innovative	innovative	ADJ
issue-1112	151	15	thinking	thinking	NOUN
issue-1112	151	16	and	and	CCONJ
issue-1112	151	17	creative	creative	ADJ
issue-1112	151	18	values	value	NOUN
issue-1112	151	19	.	.	PUNCT
issue-1112	152	1	in	in	ADP
issue-1112	152	2	addition	addition	NOUN
issue-1112	152	3	,	,	PUNCT
issue-1112	152	4	denizbank	denizbank	PROPN
issue-1112	152	5	adopted	adopt	VERB
issue-1112	152	6	an	an	DET
issue-1112	152	7	eco	eco	NOUN
issue-1112	152	8	-	-	PUNCT
issue-1112	152	9	system	system	NOUN
issue-1112	152	10	banking	banking	NOUN
issue-1112	152	11	approach	approach	NOUN
issue-1112	152	12	and	and	CCONJ
issue-1112	152	13	puts	put	VERB
issue-1112	152	14	significant	significant	ADJ
issue-1112	152	15	effort	effort	NOUN
issue-1112	152	16	towards	towards	ADP
issue-1112	152	17	building	build	VERB
issue-1112	152	18	a	a	DET
issue-1112	152	19	digital	digital	ADJ
issue-1112	152	20	ecosystem	ecosystem	NOUN
issue-1112	152	21	with	with	ADP
issue-1112	152	22	all	all	DET
issue-1112	152	23	crucial	crucial	ADJ
issue-1112	152	24	players	player	NOUN
issue-1112	152	25	.	.	PUNCT
issue-1112	153	1	2017	2017	NUM
issue-1112	153	2	emirates	emirates	PROPN
issue-1112	153	3	nbd	nbd	PROPN
issue-1112	153	4	bank	bank	PROPN
issue-1112	153	5	(	(	PUNCT
issue-1112	153	6	united	united	PROPN
issue-1112	153	7	arab	arab	PROPN
issue-1112	153	8	emirates	emirates	PROPN
issue-1112	153	9	)	)	PUNCT
issue-1112	153	10	the	the	DET
issue-1112	153	11	bank	bank	NOUN
issue-1112	153	12	continuously	continuously	ADV
issue-1112	153	13	aims	aim	VERB
issue-1112	153	14	to	to	PART
issue-1112	153	15	infuse	infuse	VERB
issue-1112	153	16	the	the	DET
issue-1112	153	17	innovative	innovative	ADJ
issue-1112	153	18	culture	culture	NOUN
issue-1112	153	19	with	with	ADP
issue-1112	153	20	periodic	periodic	ADJ
issue-1112	153	21	training	training	NOUN
issue-1112	153	22	programs	program	NOUN
issue-1112	153	23	,	,	PUNCT
issue-1112	153	24	special	special	ADJ
issue-1112	153	25	events	event	NOUN
issue-1112	153	26	,	,	PUNCT
issue-1112	153	27	internal	internal	ADJ
issue-1112	153	28	‘	'	PUNCT
issue-1112	153	29	edge	edge	NOUN
issue-1112	153	30	’	'	PUNCT
issue-1112	153	31	innovation	innovation	NOUN
issue-1112	153	32	programs	program	NOUN
issue-1112	153	33	,	,	PUNCT
issue-1112	153	34	external	external	ADJ
issue-1112	153	35	innovation	innovation	NOUN
issue-1112	153	36	with	with	ADP
issue-1112	153	37	open	open	ADJ
issue-1112	153	38	banking	banking	NOUN
issue-1112	153	39	initiatives	initiative	NOUN
issue-1112	153	40	and	and	CCONJ
issue-1112	153	41	fintech	fintech	NOUN
issue-1112	153	42	hangouts	hangout	NOUN
issue-1112	153	43	within	within	ADP
issue-1112	153	44	the	the	DET
issue-1112	153	45	bank	bank	NOUN
issue-1112	153	46	.	.	PUNCT
issue-1112	154	1	the	the	DET
issue-1112	154	2	futuristic	futuristic	ADJ
issue-1112	154	3	way	way	NOUN
issue-1112	154	4	of	of	ADP
issue-1112	154	5	banking	banking	NOUN
issue-1112	154	6	,	,	PUNCT
issue-1112	154	7	namely	namely	ADV
issue-1112	154	8	the	the	DET
issue-1112	154	9	‘	'	PUNCT
issue-1112	154	10	future	future	ADJ
issue-1112	154	11	lab	lab	NOUN
issue-1112	154	12	’	'	PUNCT
issue-1112	154	13	,	,	PUNCT
issue-1112	154	14	is	be	AUX
issue-1112	154	15	the	the	DET
issue-1112	154	16	center	center	NOUN
issue-1112	154	17	of	of	ADP
issue-1112	154	18	innovation	innovation	NOUN
issue-1112	154	19	management	management	NOUN
issue-1112	154	20	where	where	SCONJ
issue-1112	154	21	the	the	DET
issue-1112	154	22	jury	jury	NOUN
issue-1112	154	23	‘	'	PUNCT
issue-1112	154	24	innovation	innovation	NOUN
issue-1112	154	25	champions	champion	NOUN
issue-1112	154	26	’	'	PUNCT
issue-1112	154	27	evaluate	evaluate	VERB
issue-1112	154	28	ideas	idea	NOUN
issue-1112	154	29	and	and	CCONJ
issue-1112	154	30	map	map	VERB
issue-1112	154	31	innovative	innovative	ADJ
issue-1112	154	32	solutions	solution	NOUN
issue-1112	154	33	.	.	PUNCT
issue-1112	155	1	2018	2018	NUM
issue-1112	155	2	usaa	usaa	PROPN
issue-1112	155	3	(	(	PUNCT
issue-1112	155	4	san	san	PROPN
issue-1112	155	5	antonio	antonio	PROPN
issue-1112	155	6	,	,	PUNCT
issue-1112	155	7	tx	tx	PROPN
issue-1112	155	8	,	,	PUNCT
issue-1112	155	9	usa	usa	PROPN
issue-1112	155	10	)	)	PUNCT
issue-1112	155	11	at	at	ADP
issue-1112	155	12	usaa	usaa	PROPN
issue-1112	155	13	,	,	PUNCT
issue-1112	155	14	everyone	everyone	PRON
issue-1112	155	15	is	be	AUX
issue-1112	155	16	an	an	DET
issue-1112	155	17	innovator	innovator	NOUN
issue-1112	155	18	!	!	PUNCT
issue-1112	156	1	our	our	PRON
issue-1112	156	2	mission	mission	NOUN
issue-1112	156	3	and	and	CCONJ
issue-1112	156	4	culture	culture	NOUN
issue-1112	156	5	provide	provide	VERB
issue-1112	156	6	our	our	PRON
issue-1112	156	7	purpose	purpose	NOUN
issue-1112	156	8	,	,	PUNCT
issue-1112	156	9	and	and	CCONJ
issue-1112	156	10	our	our	PRON
issue-1112	156	11	employees	employee	NOUN
issue-1112	156	12	bring	bring	VERB
issue-1112	156	13	their	their	PRON
issue-1112	156	14	passion	passion	NOUN
issue-1112	156	15	to	to	PART
issue-1112	156	16	serve	serve	VERB
issue-1112	156	17	our	our	PRON
issue-1112	156	18	members	member	NOUN
issue-1112	156	19	better	well	ADV
issue-1112	156	20	than	than	ADP
issue-1112	156	21	anyone	anyone	PRON
issue-1112	156	22	else	else	ADV
issue-1112	156	23	.	.	PUNCT
issue-1112	157	1	the	the	DET
issue-1112	157	2	goal	goal	NOUN
issue-1112	157	3	of	of	ADP
issue-1112	157	4	employee	employee	NOUN
issue-1112	157	5	innovation	innovation	NOUN
issue-1112	157	6	is	be	AUX
issue-1112	157	7	to	to	PART
issue-1112	157	8	empower	empower	VERB
issue-1112	157	9	all	all	DET
issue-1112	157	10	employees	employee	NOUN
issue-1112	157	11	to	to	PART
issue-1112	157	12	creatively	creatively	ADV
issue-1112	157	13	innovate	innovate	VERB
issue-1112	157	14	to	to	PART
issue-1112	157	15	best	well	ADV
issue-1112	157	16	serve	serve	VERB
issue-1112	157	17	members	member	NOUN
issue-1112	157	18	and	and	CCONJ
issue-1112	157	19	to	to	PART
issue-1112	157	20	prepare	prepare	VERB
issue-1112	157	21	usaa	usaa	PROPN
issue-1112	157	22	for	for	ADP
issue-1112	157	23	the	the	DET
issue-1112	157	24	future	future	NOUN
issue-1112	157	25	.	.	PUNCT
issue-1112	158	1	we	we	PRON
issue-1112	158	2	use	use	VERB
issue-1112	158	3	a	a	DET
issue-1112	158	4	toolkit	toolkit	NOUN
issue-1112	158	5	of	of	ADP
issue-1112	158	6	various	various	ADJ
issue-1112	158	7	innovation	innovation	NOUN
issue-1112	158	8	programs	program	NOUN
issue-1112	158	9	(	(	PUNCT
issue-1112	158	10	challenge	challenge	NOUN
issue-1112	158	11	-	-	PUNCT
issue-1112	158	12	based	base	VERB
issue-1112	158	13	innovation	innovation	NOUN
issue-1112	158	14	,	,	PUNCT
issue-1112	158	15	hackathons	hackathon	NOUN
issue-1112	158	16	,	,	PUNCT
issue-1112	158	17	coding	coding	NOUN
issue-1112	158	18	competitions	competition	NOUN
issue-1112	158	19	,	,	PUNCT
issue-1112	158	20	education	education	NOUN
issue-1112	158	21	/	/	SYM
issue-1112	158	22	training	training	NOUN
issue-1112	158	23	)	)	PUNCT
issue-1112	158	24	to	to	PART
issue-1112	158	25	engage	engage	VERB
issue-1112	158	26	employees	employee	NOUN
issue-1112	158	27	to	to	PART
issue-1112	158	28	help	help	VERB
issue-1112	158	29	solve	solve	VERB
issue-1112	158	30	strategic	strategic	ADJ
issue-1112	158	31	challenges	challenge	NOUN
issue-1112	158	32	.	.	PUNCT
issue-1112	159	1	2019	2019	NUM
issue-1112	159	2	city	city	NOUN
issue-1112	159	3	ventures	venture	NOUN
issue-1112	159	4	(	(	PUNCT
issue-1112	159	5	usa	usa	PROPN
issue-1112	159	6	)	)	PUNCT
issue-1112	159	7	citi	citi	PROPN
issue-1112	159	8	ventures	ventures	PROPN
issue-1112	159	9	accelerates	accelerate	VERB
issue-1112	159	10	the	the	DET
issue-1112	159	11	adoption	adoption	NOUN
issue-1112	159	12	of	of	ADP
issue-1112	159	13	the	the	DET
issue-1112	159	14	new	new	ADJ
issue-1112	159	15	business	business	NOUN
issue-1112	159	16	models	model	NOUN
issue-1112	159	17	and	and	CCONJ
issue-1112	159	18	discovers	discover	VERB
issue-1112	159	19	new	new	ADJ
issue-1112	159	20	sources	source	NOUN
issue-1112	159	21	of	of	ADP
issue-1112	159	22	value	value	NOUN
issue-1112	159	23	by	by	ADP
issue-1112	159	24	exploring	explore	VERB
issue-1112	159	25	,	,	PUNCT
issue-1112	159	26	incubating	incubating	NOUN
issue-1112	159	27	,	,	PUNCT
issue-1112	159	28	and	and	CCONJ
issue-1112	159	29	investing	invest	VERB
issue-1112	159	30	in	in	ADP
issue-1112	159	31	new	new	ADJ
issue-1112	159	32	ideas	idea	NOUN
issue-1112	159	33	in	in	ADP
issue-1112	159	34	collaboration	collaboration	NOUN
issue-1112	159	35	with	with	ADP
issue-1112	159	36	citi	citi	PROPN
issue-1112	159	37	colleagues	colleague	NOUN
issue-1112	159	38	,	,	PUNCT
issue-1112	159	39	our	our	PRON
issue-1112	159	40	clients	client	NOUN
issue-1112	159	41	,	,	PUNCT
issue-1112	159	42	and	and	CCONJ
issue-1112	159	43	the	the	DET
issue-1112	159	44	innovation	innovation	NOUN
issue-1112	159	45	ecosystem	ecosystem	PROPN
issue-1112	159	46	.	.	PUNCT
issue-1112	160	1	source	source	NOUN
issue-1112	160	2	:	:	PUNCT
issue-1112	160	3	systematized	systematize	VERB
issue-1112	160	4	by	by	ADP
issue-1112	160	5	the	the	DET
issue-1112	160	6	authors	author	NOUN
issue-1112	160	7	on	on	ADP
issue-1112	160	8	the	the	DET
issue-1112	160	9	basis	basis	NOUN
issue-1112	160	10	of	of	ADP
issue-1112	160	11	(	(	PUNCT
issue-1112	160	12	the	the	DET
issue-1112	160	13	bai	bai	PROPN
issue-1112	160	14	global	global	PROPN
issue-1112	160	15	innovation	innovation	PROPN
issue-1112	160	16	awards	award	NOUN
issue-1112	160	17	,	,	PUNCT
issue-1112	160	18	2021	2021	NUM
issue-1112	160	19	)	)	PUNCT
issue-1112	160	20	table	table	NOUN
issue-1112	160	21	2	2	NUM
issue-1112	160	22	product	product	NOUN
issue-1112	160	23	and	and	CCONJ
issue-1112	160	24	service	service	NOUN
issue-1112	160	25	financial	financial	ADJ
issue-1112	160	26	innovation	innovation	NOUN
issue-1112	160	27	year	year	NOUN
issue-1112	160	28	innovator	innovator	NOUN
issue-1112	160	29	innovation	innovation	PROPN
issue-1112	160	30	2015	2015	NUM
issue-1112	160	31	fidor	fidor	PROPN
issue-1112	160	32	bank	bank	PROPN
issue-1112	160	33	ag	ag	PROPN
issue-1112	160	34	(	(	PUNCT
issue-1112	160	35	germany	germany	PROPN
issue-1112	160	36	)	)	PUNCT
issue-1112	160	37	a	a	DET
issue-1112	160	38	free	free	PROPN
issue-1112	160	39	bank	bank	NOUN
issue-1112	160	40	account	account	NOUN
issue-1112	160	41	built	build	VERB
issue-1112	160	42	around	around	ADP
issue-1112	160	43	an	an	DET
issue-1112	160	44	application	application	NOUN
issue-1112	160	45	programming	programming	NOUN
issue-1112	160	46	interface	interface	NOUN
issue-1112	160	47	(	(	PUNCT
issue-1112	160	48	api	api	NOUN
issue-1112	160	49	)	)	PUNCT
issue-1112	160	50	,	,	PUNCT
issue-1112	160	51	the	the	DET
issue-1112	160	52	fidor	fidor	NOUN
issue-1112	160	53	smart	smart	ADJ
issue-1112	160	54	current	current	ADJ
issue-1112	160	55	account	account	NOUN
issue-1112	160	56	supplements	supplement	NOUN
issue-1112	160	57	classic	classic	ADJ
issue-1112	160	58	account	account	NOUN
issue-1112	160	59	services	service	NOUN
issue-1112	160	60	with	with	ADP
issue-1112	160	61	internet	internet	NOUN
issue-1112	160	62	payments	payment	NOUN
issue-1112	160	63	and	and	CCONJ
issue-1112	160	64	innovative	innovative	ADJ
issue-1112	160	65	banking	banking	NOUN
issue-1112	160	66	products	product	NOUN
issue-1112	160	67	.	.	PUNCT
issue-1112	161	1	the	the	DET
issue-1112	161	2	integrated	integrated	ADJ
issue-1112	161	3	api	api	NOUN
issue-1112	161	4	platform	platform	NOUN
issue-1112	161	5	allows	allow	VERB
issue-1112	161	6	customers	customer	NOUN
issue-1112	161	7	and	and	CCONJ
issue-1112	161	8	partners	partner	NOUN
issue-1112	161	9	to	to	PART
issue-1112	161	10	directly	directly	ADV
issue-1112	161	11	connect	connect	VERB
issue-1112	161	12	their	their	PRON
issue-1112	161	13	computer	computer	NOUN
issue-1112	161	14	systems	system	NOUN
issue-1112	161	15	with	with	ADP
issue-1112	161	16	those	those	PRON
issue-1112	161	17	of	of	ADP
issue-1112	161	18	fidor	fidor	NOUN
issue-1112	161	19	bank	bank	NOUN
issue-1112	161	20	.	.	PUNCT
issue-1112	162	1	2016	2016	NUM
issue-1112	162	2	wells	wells	PROPN
issue-1112	162	3	fargo	fargo	PROPN
issue-1112	162	4	ceo	ceo	PROPN
issue-1112	162	5	mobile	mobile	PROPN
issue-1112	162	6	®	®	NOUN
issue-1112	162	7	biometrics	biometric	NOUN
issue-1112	162	8	is	be	AUX
issue-1112	162	9	wells	wells	PROPN
issue-1112	162	10	fargo	fargo	PROPN
issue-1112	162	11	’s	’s	PART
issue-1112	162	12	latest	late	ADJ
issue-1112	162	13	security	security	NOUN
issue-1112	162	14	innovation	innovation	NOUN
issue-1112	162	15	.	.	PUNCT
issue-1112	163	1	ceo	ceo	NOUN
issue-1112	163	2	mobile	mobile	ADJ
issue-1112	163	3	biometrics	biometric	NOUN
issue-1112	163	4	sets	set	VERB
issue-1112	163	5	a	a	DET
issue-1112	163	6	new	new	ADJ
issue-1112	163	7	standard	standard	NOUN
issue-1112	163	8	for	for	ADP
issue-1112	163	9	mobile	mobile	ADJ
issue-1112	163	10	banking	banking	NOUN
issue-1112	163	11	security	security	NOUN
issue-1112	163	12	and	and	CCONJ
issue-1112	163	13	makes	make	VERB
issue-1112	163	14	banking	banking	NOUN
issue-1112	163	15	easier	easy	ADJ
issue-1112	163	16	by	by	ADP
issue-1112	163	17	giving	give	VERB
issue-1112	163	18	customers	customer	NOUN
issue-1112	163	19	a	a	DET
issue-1112	163	20	fast	fast	ADJ
issue-1112	163	21	,	,	PUNCT
issue-1112	163	22	secure	secure	ADJ
issue-1112	163	23	way	way	NOUN
issue-1112	163	24	to	to	PART
issue-1112	163	25	access	access	VERB
issue-1112	163	26	their	their	PRON
issue-1112	163	27	mobile	mobile	ADJ
issue-1112	163	28	banking	banking	NOUN
issue-1112	163	29	services	service	NOUN
issue-1112	163	30	without	without	ADP
issue-1112	163	31	using	use	VERB
issue-1112	163	32	passwords	password	NOUN
issue-1112	163	33	or	or	CCONJ
issue-1112	163	34	tokens	token	NOUN
issue-1112	163	35	.	.	PUNCT
issue-1112	164	1	2017	2017	NUM
issue-1112	164	2	metromile	metromile	NOUN
issue-1112	164	3	pay	pay	VERB
issue-1112	164	4	-	-	PUNCT
issue-1112	164	5	per	per	ADP
issue-1112	164	6	-	-	PUNCT
issue-1112	164	7	mile	mile	NOUN
issue-1112	164	8	car	car	NOUN
issue-1112	164	9	insurance	insurance	NOUN
issue-1112	164	10	.	.	PUNCT
issue-1112	165	1	metromile	metromile	NOUN
issue-1112	165	2	is	be	AUX
issue-1112	165	3	revolutionizing	revolutionize	VERB
issue-1112	165	4	car	car	NOUN
issue-1112	165	5	insurance	insurance	NOUN
issue-1112	165	6	through	through	ADP
issue-1112	165	7	the	the	DET
issue-1112	165	8	use	use	NOUN
issue-1112	165	9	of	of	ADP
issue-1112	165	10	technology	technology	NOUN
issue-1112	165	11	with	with	ADP
issue-1112	165	12	its	its	PRON
issue-1112	165	13	pay	pay	VERB
issue-1112	165	14	-	-	PUNCT
issue-1112	165	15	per	per	ADP
issue-1112	165	16	-	-	PUNCT
issue-1112	165	17	mile	mile	NOUN
issue-1112	165	18	insurance	insurance	NOUN
issue-1112	165	19	model	model	NOUN
issue-1112	165	20	.	.	PUNCT
issue-1112	166	1	by	by	ADP
issue-1112	166	2	offering	offer	VERB
issue-1112	166	3	affordable	affordable	ADJ
issue-1112	166	4	car	car	NOUN
issue-1112	166	5	insurance	insurance	NOUN
issue-1112	166	6	,	,	PUNCT
issue-1112	166	7	transparent	transparent	ADJ
issue-1112	166	8	pricing	pricing	NOUN
issue-1112	166	9	based	base	VERB
issue-1112	166	10	on	on	ADP
issue-1112	166	11	the	the	DET
issue-1112	166	12	miles	mile	NOUN
issue-1112	166	13	customers	customer	NOUN
issue-1112	166	14	actually	actually	ADV
issue-1112	166	15	drive	drive	VERB
issue-1112	166	16	,	,	PUNCT
issue-1112	166	17	data	datum	NOUN
issue-1112	166	18	to	to	PART
issue-1112	166	19	optimize	optimize	VERB
issue-1112	166	20	how	how	SCONJ
issue-1112	166	21	customers	customer	NOUN
issue-1112	166	22	use	use	VERB
issue-1112	166	23	their	their	PRON
issue-1112	166	24	car	car	NOUN
issue-1112	166	25	,	,	PUNCT
issue-1112	166	26	and	and	CCONJ
issue-1112	166	27	instant	instant	ADJ
issue-1112	166	28	access	access	NOUN
issue-1112	166	29	to	to	ADP
issue-1112	166	30	detailed	detailed	ADJ
issue-1112	166	31	vehicle	vehicle	NOUN
issue-1112	166	32	diagnostics	diagnostic	NOUN
issue-1112	166	33	via	via	ADP
issue-1112	166	34	the	the	DET
issue-1112	166	35	driving	drive	VERB
issue-1112	166	36	app	app	NOUN
issue-1112	166	37	.	.	PROPN
issue-1112	166	38	2018	2018	NUM
issue-1112	166	39	novopayment	novopayment	PROPN
issue-1112	166	40	,	,	PUNCT
issue-1112	166	41	inc	inc	PROPN
issue-1112	166	42	.	.	PROPN
issue-1112	166	43	(	(	PUNCT
issue-1112	166	44	miami	miami	PROPN
issue-1112	166	45	,	,	PUNCT
issue-1112	166	46	usa	usa	PROPN
issue-1112	166	47	)	)	PUNCT
issue-1112	166	48	embedding	embed	VERB
issue-1112	166	49	finserv	finserv	NOUN
issue-1112	166	50	in	in	ADP
issue-1112	166	51	gig	gig	NOUN
issue-1112	166	52	value	value	NOUN
issue-1112	166	53	chain	chain	NOUN
issue-1112	166	54	.	.	PUNCT
issue-1112	167	1	novopayment	novopayment	PROPN
issue-1112	167	2	’s	’s	PART
issue-1112	167	3	innovation	innovation	NOUN
issue-1112	167	4	leverages	leverage	VERB
issue-1112	167	5	emerging	emerge	VERB
issue-1112	167	6	technologies	technology	NOUN
issue-1112	167	7	to	to	PART
issue-1112	167	8	seamlessly	seamlessly	ADV
issue-1112	167	9	deliver	deliver	VERB
issue-1112	167	10	in	in	ADP
issue-1112	167	11	-	-	PUNCT
issue-1112	167	12	context	context	NOUN
issue-1112	167	13	services	service	NOUN
issue-1112	167	14	to	to	ADP
issue-1112	167	15	the	the	DET
issue-1112	167	16	client	client	NOUN
issue-1112	167	17	,	,	PUNCT
issue-1112	167	18	and	and	CCONJ
issue-1112	167	19	an	an	DET
issue-1112	167	20	excellent	excellent	ADJ
issue-1112	167	21	experience	experience	NOUN
issue-1112	167	22	to	to	ADP
issue-1112	167	23	their	their	PRON
issue-1112	167	24	end	end	NOUN
issue-1112	167	25	customer	customer	NOUN
issue-1112	167	26	.	.	PUNCT
issue-1112	168	1	novopayment	novopayment	PROPN
issue-1112	168	2	’s	’s	PART
issue-1112	168	3	api	api	NOUN
issue-1112	168	4	-	-	PUNCT
issue-1112	168	5	powered	power	VERB
issue-1112	168	6	technology	technology	NOUN
issue-1112	168	7	allows	allow	VERB
issue-1112	168	8	banco	banco	PROPN
issue-1112	168	9	pichincha	pichincha	PROPN
issue-1112	168	10	colombia	colombia	PROPN
issue-1112	168	11	to	to	PART
issue-1112	168	12	dynamically	dynamically	ADV
issue-1112	168	13	deliver	deliver	VERB
issue-1112	168	14	financial	financial	ADJ
issue-1112	168	15	services	service	NOUN
issue-1112	168	16	and	and	CCONJ
issue-1112	168	17	frictionless	frictionless	NOUN
issue-1112	168	18	user	user	NOUN
issue-1112	168	19	experiences	experience	NOUN
issue-1112	168	20	to	to	ADP
issue-1112	168	21	their	their	PRON
issue-1112	168	22	gig	gig	NOUN
issue-1112	168	23	economy	economy	NOUN
issue-1112	168	24	clients	client	NOUN
issue-1112	168	25	,	,	PUNCT
issue-1112	168	26	without	without	ADP
issue-1112	168	27	the	the	DET
issue-1112	168	28	need	need	NOUN
issue-1112	168	29	to	to	PART
issue-1112	168	30	alter	alter	VERB
issue-1112	168	31	their	their	PRON
issue-1112	168	32	core	core	NOUN
issue-1112	168	33	systems	system	NOUN
issue-1112	168	34	or	or	CCONJ
issue-1112	168	35	sacrifice	sacrifice	NOUN
issue-1112	168	36	security	security	NOUN
issue-1112	168	37	and	and	CCONJ
issue-1112	168	38	compliance	compliance	NOUN
issue-1112	168	39	.	.	PUNCT
issue-1112	169	1	this	this	DET
issue-1112	169	2	innovation	innovation	NOUN
issue-1112	169	3	allows	allow	VERB
issue-1112	169	4	the	the	DET
issue-1112	169	5	client	client	NOUN
issue-1112	169	6	’s	’s	PART
issue-1112	169	7	platform	platform	NOUN
issue-1112	169	8	-	-	PUNCT
issue-1112	169	9	driven	drive	VERB
issue-1112	169	10	business	business	NOUN
issue-1112	169	11	to	to	PART
issue-1112	169	12	pull	pull	VERB
issue-1112	169	13	important	important	ADJ
issue-1112	169	14	instant	instant	ADJ
issue-1112	169	15	issuance	issuance	NOUN
issue-1112	169	16	and	and	CCONJ
issue-1112	169	17	mass	mass	NOUN
issue-1112	169	18	payout	payout	NOUN
issue-1112	169	19	services	service	NOUN
issue-1112	169	20	on	on	ADP
issue-1112	169	21	demand	demand	NOUN
issue-1112	169	22	and	and	CCONJ
issue-1112	169	23	with	with	ADP
issue-1112	169	24	the	the	DET
issue-1112	169	25	scalability	scalability	NOUN
issue-1112	169	26	they	they	PRON
issue-1112	169	27	require	require	VERB
issue-1112	169	28	.	.	PUNCT
issue-1112	170	1	2019	2019	NUM
issue-1112	170	2	oneconnect	oneconnect	ADJ
issue-1112	170	3	financial	financial	PROPN
issue-1112	170	4	technology	technology	PROPN
issue-1112	170	5	co.	co.	PROPN
issue-1112	170	6	,	,	PUNCT
issue-1112	170	7	ltd	ltd	PROPN
issue-1112	170	8	(	(	PUNCT
issue-1112	170	9	china	china	PROPN
issue-1112	170	10	)	)	PUNCT
issue-1112	170	11	fimax	fimax	ADJ
issue-1112	170	12	trade	trade	NOUN
issue-1112	170	13	finance	finance	NOUN
issue-1112	170	14	blockchain	blockchain	PROPN
issue-1112	170	15	network	network	PROPN
issue-1112	170	16	is	be	AUX
issue-1112	170	17	a	a	DET
issue-1112	170	18	blockchain	blockchain	NOUN
issue-1112	170	19	solution	solution	NOUN
issue-1112	170	20	that	that	PRON
issue-1112	170	21	aims	aim	VERB
issue-1112	170	22	to	to	PART
issue-1112	170	23	organically	organically	ADV
issue-1112	170	24	connect	connect	VERB
issue-1112	170	25	different	different	ADJ
issue-1112	170	26	parties	party	NOUN
issue-1112	170	27	in	in	ADP
issue-1112	170	28	trade	trade	NOUN
issue-1112	170	29	finance	finance	NOUN
issue-1112	170	30	.	.	PUNCT
issue-1112	171	1	on	on	ADP
issue-1112	171	2	this	this	DET
issue-1112	171	3	reliable	reliable	ADJ
issue-1112	171	4	,	,	PUNCT
issue-1112	171	5	secure	secure	ADJ
issue-1112	171	6	and	and	CCONJ
issue-1112	171	7	efficient	efficient	ADJ
issue-1112	171	8	network	network	NOUN
issue-1112	171	9	,	,	PUNCT
issue-1112	171	10	different	different	ADJ
issue-1112	171	11	parties	party	NOUN
issue-1112	171	12	in	in	ADP
issue-1112	171	13	trade	trade	NOUN
issue-1112	171	14	can	can	AUX
issue-1112	171	15	directly	directly	ADV
issue-1112	171	16	finance	finance	VERB
issue-1112	171	17	and	and	CCONJ
issue-1112	171	18	exchange	exchange	NOUN
issue-1112	171	19	data	datum	NOUN
issue-1112	171	20	while	while	SCONJ
issue-1112	171	21	preserving	preserve	VERB
issue-1112	171	22	full	full	ADJ
issue-1112	171	23	data	datum	NOUN
issue-1112	171	24	privacy	privacy	NOUN
issue-1112	171	25	,	,	PUNCT
issue-1112	171	26	all	all	PRON
issue-1112	171	27	of	of	ADP
issue-1112	171	28	which	which	PRON
issue-1112	171	29	is	be	AUX
issue-1112	171	30	enabled	enable	VERB
issue-1112	171	31	by	by	ADP
issue-1112	171	32	blockchain	blockchain	NOUN
issue-1112	171	33	architecture	architecture	NOUN
issue-1112	171	34	and	and	CCONJ
issue-1112	171	35	cryptography	cryptography	NOUN
issue-1112	171	36	solutions	solution	NOUN
issue-1112	171	37	.	.	PUNCT
issue-1112	172	1	source	source	NOUN
issue-1112	172	2	:	:	PUNCT
issue-1112	172	3	systematized	systematize	VERB
issue-1112	172	4	by	by	ADP
issue-1112	172	5	the	the	DET
issue-1112	172	6	authors	author	NOUN
issue-1112	172	7	on	on	ADP
issue-1112	172	8	the	the	DET
issue-1112	172	9	basis	basis	NOUN
issue-1112	172	10	of	of	ADP
issue-1112	172	11	(	(	PUNCT
issue-1112	172	12	the	the	DET
issue-1112	172	13	bai	bai	PROPN
issue-1112	172	14	global	global	PROPN
issue-1112	172	15	innovation	innovation	PROPN
issue-1112	172	16	awards	award	NOUN
issue-1112	172	17	,	,	PUNCT
issue-1112	172	18	2021	2021	NUM
issue-1112	172	19	)	)	PUNCT
issue-1112	172	20	baltic	baltic	ADJ
issue-1112	172	21	journal	journal	NOUN
issue-1112	172	22	of	of	ADP
issue-1112	172	23	economic	economic	ADJ
issue-1112	172	24	studies	study	NOUN
issue-1112	172	25	195	195	NUM
issue-1112	172	26	vol	vol	NOUN
issue-1112	172	27	.	.	PUNCT
issue-1112	172	28	7	7	NUM
issue-1112	173	1	no	no	NOUN
issue-1112	173	2	.	.	NOUN
issue-1112	173	3	2	2	NUM
issue-1112	173	4	,	,	PUNCT
issue-1112	173	5	2021	2021	NUM
issue-1112	173	6	innovation	innovation	NOUN
issue-1112	173	7	awards	award	NOUN
issue-1112	173	8	are	be	AUX
issue-1112	173	9	systematized	systematize	VERB
issue-1112	173	10	and	and	CCONJ
issue-1112	173	11	presented	present	VERB
issue-1112	173	12	in	in	ADP
issue-1112	173	13	table	table	NOUN
issue-1112	173	14	2	2	NUM
issue-1112	173	15	.	.	PUNCT
issue-1112	173	16	consider	consider	VERB
issue-1112	173	17	their	their	PRON
issue-1112	173	18	innovative	innovative	ADJ
issue-1112	173	19	achievements	achievement	NOUN
issue-1112	173	20	in	in	ADP
issue-1112	173	21	more	more	ADJ
issue-1112	173	22	detail	detail	NOUN
issue-1112	173	23	.	.	PUNCT
issue-1112	174	1	the	the	DET
issue-1112	174	2	open	open	ADJ
issue-1112	174	3	financial	financial	ADJ
issue-1112	174	4	ecosystem	ecosystem	NOUN
issue-1112	174	5	fidor	fidor	VERB
issue-1112	174	6	smart	smart	ADJ
issue-1112	174	7	current	current	ADJ
issue-1112	174	8	account	account	NOUN
issue-1112	174	9	provides	provide	VERB
issue-1112	174	10	app	app	NOUN
issue-1112	174	11	partners	partner	NOUN
issue-1112	174	12	the	the	DET
issue-1112	174	13	ability	ability	NOUN
issue-1112	174	14	to	to	PART
issue-1112	174	15	continuously	continuously	ADV
issue-1112	174	16	increase	increase	VERB
issue-1112	174	17	the	the	DET
issue-1112	174	18	range	range	NOUN
issue-1112	174	19	of	of	ADP
issue-1112	174	20	products	product	NOUN
issue-1112	174	21	and	and	CCONJ
issue-1112	174	22	service	service	NOUN
issue-1112	174	23	that	that	PRON
issue-1112	174	24	enable	enable	VERB
issue-1112	174	25	customers	customer	NOUN
issue-1112	174	26	to	to	PART
issue-1112	174	27	select	select	VERB
issue-1112	174	28	products	product	NOUN
issue-1112	174	29	and	and	CCONJ
issue-1112	174	30	services	service	NOUN
issue-1112	174	31	they	they	PRON
issue-1112	174	32	want	want	VERB
issue-1112	174	33	from	from	ADP
issue-1112	174	34	either	either	CCONJ
issue-1112	174	35	fidor	fidor	NOUN
issue-1112	174	36	bank	bank	NOUN
issue-1112	174	37	or	or	CCONJ
issue-1112	174	38	third	third	ADJ
issue-1112	174	39	-	-	PUNCT
issue-1112	174	40	party	party	NOUN
issue-1112	174	41	providers	provider	NOUN
issue-1112	174	42	.	.	PUNCT
issue-1112	175	1	the	the	DET
issue-1112	175	2	steadily	steadily	ADV
issue-1112	175	3	growing	grow	VERB
issue-1112	175	4	range	range	NOUN
issue-1112	175	5	of	of	ADP
issue-1112	175	6	products	product	NOUN
issue-1112	175	7	guarantees	guarantee	VERB
issue-1112	175	8	a	a	DET
issue-1112	175	9	modern	modern	ADJ
issue-1112	175	10	banking	banking	NOUN
issue-1112	175	11	experience	experience	NOUN
issue-1112	175	12	that	that	PRON
issue-1112	175	13	helps	helps	AUX
issue-1112	175	14	deepen	deepen	VERB
issue-1112	175	15	existing	exist	VERB
issue-1112	175	16	customer	customer	NOUN
issue-1112	175	17	relationships	relationship	NOUN
issue-1112	175	18	and	and	CCONJ
issue-1112	175	19	attract	attract	VERB
issue-1112	175	20	new	new	ADJ
issue-1112	175	21	customers	customer	NOUN
issue-1112	175	22	.	.	PUNCT
issue-1112	176	1	the	the	DET
issue-1112	176	2	features	feature	NOUN
issue-1112	176	3	include	include	VERB
issue-1112	176	4	credit	credit	NOUN
issue-1112	176	5	transfers	transfer	NOUN
issue-1112	176	6	via	via	ADP
issue-1112	176	7	twitter	twitter	NOUN
issue-1112	176	8	,	,	PUNCT
issue-1112	176	9	social	social	ADJ
issue-1112	176	10	lending	lending	NOUN
issue-1112	176	11	,	,	PUNCT
issue-1112	176	12	social	social	ADJ
issue-1112	176	13	trading	trading	NOUN
issue-1112	176	14	in	in	ADP
issue-1112	176	15	virtual	virtual	ADJ
issue-1112	176	16	currencies	currency	NOUN
issue-1112	176	17	and	and	CCONJ
issue-1112	176	18	a	a	DET
issue-1112	176	19	wide	wide	ADJ
issue-1112	176	20	range	range	NOUN
issue-1112	176	21	of	of	ADP
issue-1112	176	22	cutting	cut	VERB
issue-1112	176	23	-	-	PUNCT
issue-1112	176	24	edge	edge	NOUN
issue-1112	176	25	products	product	NOUN
issue-1112	176	26	that	that	PRON
issue-1112	176	27	go	go	VERB
issue-1112	176	28	well	well	ADV
issue-1112	176	29	beyond	beyond	ADP
issue-1112	176	30	traditional	traditional	ADJ
issue-1112	176	31	banking	banking	NOUN
issue-1112	176	32	services	service	NOUN
issue-1112	176	33	.	.	PUNCT
issue-1112	177	1	the	the	DET
issue-1112	177	2	ceo	ceo	PROPN
issue-1112	177	3	mobile	mobile	ADJ
issue-1112	177	4	service	service	NOUN
issue-1112	177	5	is	be	AUX
issue-1112	177	6	unique	unique	ADJ
issue-1112	177	7	in	in	ADP
issue-1112	177	8	that	that	PRON
issue-1112	177	9	,	,	PUNCT
issue-1112	177	10	it	it	PRON
issue-1112	177	11	offers	offer	VERB
issue-1112	177	12	customers	customer	NOUN
issue-1112	177	13	a	a	DET
issue-1112	177	14	choice	choice	NOUN
issue-1112	177	15	in	in	ADP
issue-1112	177	16	how	how	SCONJ
issue-1112	177	17	to	to	PART
issue-1112	177	18	sign	sign	VERB
issue-1112	177	19	on	on	ADP
issue-1112	177	20	.	.	PUNCT
issue-1112	178	1	customers	customer	NOUN
issue-1112	178	2	can	can	AUX
issue-1112	178	3	sign	sign	VERB
issue-1112	178	4	on	on	ADP
issue-1112	178	5	using	use	VERB
issue-1112	178	6	the	the	DET
issue-1112	178	7	ceo	ceo	NOUN
issue-1112	178	8	mobile	mobile	ADJ
issue-1112	178	9	eyeprint	eyeprint	NOUN
issue-1112	178	10	feature	feature	NOUN
issue-1112	178	11	,	,	PUNCT
issue-1112	178	12	or	or	CCONJ
issue-1112	178	13	their	their	PRON
issue-1112	178	14	i	i	PROPN
issue-1112	178	15	d	d	PROPN
issue-1112	178	16	and	and	CCONJ
issue-1112	178	17	password	password	NOUN
issue-1112	178	18	.	.	PUNCT
issue-1112	179	1	the	the	DET
issue-1112	179	2	ceo	ceo	PROPN
issue-1112	179	3	mobile	mobile	ADJ
issue-1112	179	4	eyeprint	eyeprint	NOUN
issue-1112	179	5	feature	feature	NOUN
issue-1112	179	6	uses	use	VERB
issue-1112	179	7	a	a	DET
issue-1112	179	8	customer	customer	NOUN
issue-1112	179	9	’s	’s	PART
issue-1112	179	10	mobile	mobile	ADJ
issue-1112	179	11	device	device	NOUN
issue-1112	179	12	to	to	PART
issue-1112	179	13	create	create	VERB
issue-1112	179	14	a	a	DET
issue-1112	179	15	template	template	NOUN
issue-1112	179	16	of	of	ADP
issue-1112	179	17	their	their	PRON
issue-1112	179	18	eye	eye	NOUN
issue-1112	179	19	veins	vein	NOUN
issue-1112	179	20	that	that	PRON
issue-1112	179	21	can	can	AUX
issue-1112	179	22	be	be	AUX
issue-1112	179	23	used	use	VERB
issue-1112	179	24	to	to	PART
issue-1112	179	25	identify	identify	VERB
issue-1112	179	26	them	they	PRON
issue-1112	179	27	when	when	SCONJ
issue-1112	179	28	they	they	PRON
issue-1112	179	29	sign	sign	VERB
issue-1112	179	30	on	on	ADP
issue-1112	179	31	,	,	PUNCT
issue-1112	179	32	which	which	PRON
issue-1112	179	33	saves	save	VERB
issue-1112	179	34	time	time	NOUN
issue-1112	179	35	and	and	CCONJ
issue-1112	179	36	eliminates	eliminate	VERB
issue-1112	179	37	the	the	DET
issue-1112	179	38	need	need	NOUN
issue-1112	179	39	to	to	PART
issue-1112	179	40	remember	remember	VERB
issue-1112	179	41	passwords	password	NOUN
issue-1112	179	42	and	and	CCONJ
issue-1112	179	43	carry	carry	VERB
issue-1112	179	44	tokens	token	NOUN
issue-1112	179	45	.	.	PUNCT
issue-1112	180	1	metromile	metromile	PROPN
issue-1112	180	2	is	be	AUX
issue-1112	180	3	revolutionizing	revolutionize	VERB
issue-1112	180	4	car	car	NOUN
issue-1112	180	5	insurance	insurance	NOUN
issue-1112	180	6	through	through	ADP
issue-1112	180	7	the	the	DET
issue-1112	180	8	use	use	NOUN
issue-1112	180	9	of	of	ADP
issue-1112	180	10	technology	technology	NOUN
issue-1112	180	11	with	with	ADP
issue-1112	180	12	its	its	PRON
issue-1112	180	13	pay	pay	VERB
issue-1112	180	14	-	-	PUNCT
issue-1112	180	15	per	per	ADP
issue-1112	180	16	-	-	PUNCT
issue-1112	180	17	mile	mile	NOUN
issue-1112	180	18	insurance	insurance	NOUN
issue-1112	180	19	model	model	NOUN
issue-1112	180	20	.	.	PUNCT
issue-1112	181	1	metromile	metromile	PROPN
issue-1112	181	2	is	be	AUX
issue-1112	181	3	transforming	transform	VERB
issue-1112	181	4	car	car	NOUN
issue-1112	181	5	insurance	insurance	NOUN
issue-1112	181	6	–	–	PUNCT
issue-1112	181	7	and	and	CCONJ
issue-1112	181	8	car	car	NOUN
issue-1112	181	9	ownership	ownership	NOUN
issue-1112	181	10	–	–	PUNCT
issue-1112	181	11	to	to	PART
issue-1112	181	12	be	be	AUX
issue-1112	181	13	more	more	ADV
issue-1112	181	14	intelligent	intelligent	ADJ
issue-1112	181	15	,	,	PUNCT
issue-1112	181	16	seamless	seamless	ADJ
issue-1112	181	17	and	and	CCONJ
issue-1112	181	18	accessible	accessible	ADJ
issue-1112	181	19	than	than	ADP
issue-1112	181	20	ever	ever	ADV
issue-1112	181	21	before	before	ADV
issue-1112	181	22	.	.	PUNCT
issue-1112	182	1	novopayment	novopayment	PROPN
issue-1112	182	2	’s	’s	PART
issue-1112	182	3	api	api	NOUN
issue-1112	182	4	-	-	PUNCT
issue-1112	182	5	powered	power	VERB
issue-1112	182	6	technology	technology	NOUN
issue-1112	182	7	allows	allow	VERB
issue-1112	182	8	banco	banco	PROPN
issue-1112	182	9	pichincha	pichincha	PROPN
issue-1112	182	10	colombia	colombia	PROPN
issue-1112	182	11	to	to	PART
issue-1112	182	12	dynamically	dynamically	ADV
issue-1112	182	13	deliver	deliver	VERB
issue-1112	182	14	financial	financial	ADJ
issue-1112	182	15	services	service	NOUN
issue-1112	182	16	and	and	CCONJ
issue-1112	182	17	frictionless	frictionless	NOUN
issue-1112	182	18	user	user	NOUN
issue-1112	182	19	experiences	experience	NOUN
issue-1112	182	20	to	to	ADP
issue-1112	182	21	their	their	PRON
issue-1112	182	22	gig	gig	NOUN
issue-1112	182	23	economy	economy	NOUN
issue-1112	182	24	clients	client	NOUN
issue-1112	182	25	,	,	PUNCT
issue-1112	182	26	without	without	ADP
issue-1112	182	27	the	the	DET
issue-1112	182	28	need	need	NOUN
issue-1112	182	29	to	to	PART
issue-1112	182	30	alter	alter	VERB
issue-1112	182	31	their	their	PRON
issue-1112	182	32	core	core	NOUN
issue-1112	182	33	systems	system	NOUN
issue-1112	182	34	or	or	CCONJ
issue-1112	182	35	sacrifice	sacrifice	NOUN
issue-1112	182	36	security	security	NOUN
issue-1112	182	37	and	and	CCONJ
issue-1112	182	38	compliance	compliance	NOUN
issue-1112	182	39	.	.	PUNCT
issue-1112	183	1	the	the	DET
issue-1112	183	2	innovation	innovation	NOUN
issue-1112	183	3	solves	solve	VERB
issue-1112	183	4	two	two	NUM
issue-1112	183	5	broader	broad	ADJ
issue-1112	183	6	problems	problem	NOUN
issue-1112	183	7	and	and	CCONJ
issue-1112	183	8	several	several	ADJ
issue-1112	183	9	specific	specific	ADJ
issue-1112	183	10	pain	pain	NOUN
issue-1112	183	11	points	point	NOUN
issue-1112	183	12	.	.	PUNCT
issue-1112	184	1	the	the	DET
issue-1112	184	2	first	first	ADJ
issue-1112	184	3	problem	problem	NOUN
issue-1112	184	4	is	be	AUX
issue-1112	184	5	banks	bank	NOUN
issue-1112	184	6	and	and	CCONJ
issue-1112	184	7	fi	fi	NOUN
issue-1112	184	8	’s	’s	PART
issue-1112	184	9	general	general	ADJ
issue-1112	184	10	difficulty	difficulty	NOUN
issue-1112	184	11	in	in	ADP
issue-1112	184	12	serving	serve	VERB
issue-1112	184	13	modern	modern	ADJ
issue-1112	184	14	,	,	PUNCT
issue-1112	184	15	platform	platform	NOUN
issue-1112	184	16	-	-	PUNCT
issue-1112	184	17	driven	drive	VERB
issue-1112	184	18	businesses	business	NOUN
issue-1112	184	19	,	,	PUNCT
issue-1112	184	20	such	such	ADJ
issue-1112	184	21	as	as	ADP
issue-1112	184	22	gig	gig	NOUN
issue-1112	184	23	economy	economy	NOUN
issue-1112	184	24	companies	company	NOUN
issue-1112	184	25	,	,	PUNCT
issue-1112	184	26	which	which	PRON
issue-1112	184	27	often	often	ADV
issue-1112	184	28	feature	feature	VERB
issue-1112	184	29	real	real	ADJ
issue-1112	184	30	-	-	PUNCT
issue-1112	184	31	time	time	NOUN
issue-1112	184	32	it	it	PRON
issue-1112	184	33	platforms	platform	VERB
issue-1112	184	34	and	and	CCONJ
issue-1112	184	35	exponential	exponential	ADJ
issue-1112	184	36	scaling	scale	VERB
issue-1112	184	37	operations	operation	NOUN
issue-1112	184	38	.	.	PUNCT
issue-1112	185	1	the	the	DET
issue-1112	185	2	second	second	ADJ
issue-1112	185	3	problem	problem	NOUN
issue-1112	185	4	has	have	VERB
issue-1112	185	5	to	to	PART
issue-1112	185	6	do	do	VERB
issue-1112	185	7	with	with	ADP
issue-1112	185	8	the	the	DET
issue-1112	185	9	undesirable	undesirable	ADJ
issue-1112	185	10	impacts	impact	NOUN
issue-1112	185	11	that	that	SCONJ
issue-1112	185	12	cash	cash	NOUN
issue-1112	185	13	-	-	PUNCT
issue-1112	185	14	intensive	intensive	ADJ
issue-1112	185	15	processes	process	NOUN
issue-1112	185	16	have	have	VERB
issue-1112	185	17	on	on	ADP
issue-1112	185	18	these	these	DET
issue-1112	185	19	businesses	business	NOUN
issue-1112	185	20	and	and	CCONJ
issue-1112	185	21	their	their	PRON
issue-1112	185	22	ability	ability	NOUN
issue-1112	185	23	to	to	PART
issue-1112	185	24	scale	scale	VERB
issue-1112	185	25	(	(	PUNCT
issue-1112	185	26	compete	compete	VERB
issue-1112	185	27	for	for	ADP
issue-1112	185	28	capital	capital	NOUN
issue-1112	185	29	,	,	PUNCT
issue-1112	185	30	workers	worker	NOUN
issue-1112	185	31	,	,	PUNCT
issue-1112	185	32	and	and	CCONJ
issue-1112	185	33	market	market	NOUN
issue-1112	185	34	share	share	NOUN
issue-1112	185	35	)	)	PUNCT
issue-1112	185	36	and	and	CCONJ
issue-1112	185	37	operate	operate	VERB
issue-1112	185	38	in	in	ADP
issue-1112	185	39	the	the	DET
issue-1112	185	40	fully	fully	ADV
issue-1112	185	41	digital	digital	ADJ
issue-1112	185	42	fashion	fashion	NOUN
issue-1112	185	43	on	on	ADP
issue-1112	185	44	which	which	PRON
issue-1112	185	45	the	the	DET
issue-1112	185	46	best	good	ADJ
issue-1112	185	47	in	in	ADP
issue-1112	185	48	their	their	PRON
issue-1112	185	49	field	field	NOUN
issue-1112	185	50	are	be	AUX
issue-1112	185	51	modeled	model	VERB
issue-1112	185	52	.	.	PUNCT
issue-1112	186	1	this	this	DET
issue-1112	186	2	problem	problem	NOUN
issue-1112	186	3	is	be	AUX
issue-1112	186	4	exacerbated	exacerbate	VERB
issue-1112	186	5	in	in	ADP
issue-1112	186	6	cash	cash	NOUN
issue-1112	186	7	-	-	PUNCT
issue-1112	186	8	intensive	intensive	ADJ
issue-1112	186	9	markets	market	NOUN
issue-1112	186	10	such	such	ADJ
issue-1112	186	11	as	as	ADP
issue-1112	186	12	latin	latin	PROPN
issue-1112	186	13	america	america	PROPN
issue-1112	186	14	where	where	SCONJ
issue-1112	186	15	large	large	ADJ
issue-1112	186	16	shares	share	NOUN
issue-1112	186	17	of	of	ADP
issue-1112	186	18	the	the	DET
issue-1112	186	19	population	population	NOUN
issue-1112	186	20	lack	lack	VERB
issue-1112	186	21	formal	formal	ADJ
issue-1112	186	22	banking	banking	NOUN
issue-1112	186	23	relationships	relationship	NOUN
issue-1112	186	24	and	and	CCONJ
issue-1112	186	25	electronic	electronic	ADJ
issue-1112	186	26	payment	payment	NOUN
issue-1112	186	27	instruments	instrument	NOUN
issue-1112	186	28	.	.	PUNCT
issue-1112	187	1	fimax	fimax	ADJ
issue-1112	187	2	trade	trade	NOUN
issue-1112	187	3	finance	finance	NOUN
issue-1112	187	4	blockchain	blockchain	PROPN
issue-1112	187	5	network	network	PROPN
issue-1112	187	6	is	be	AUX
issue-1112	187	7	a	a	DET
issue-1112	187	8	blockchain	blockchain	NOUN
issue-1112	187	9	solution	solution	NOUN
issue-1112	187	10	,	,	PUNCT
issue-1112	187	11	by	by	ADP
issue-1112	187	12	onboarding	onboarde	VERB
issue-1112	187	13	data	datum	NOUN
issue-1112	187	14	from	from	ADP
issue-1112	187	15	different	different	ADJ
issue-1112	187	16	participants	participant	NOUN
issue-1112	187	17	,	,	PUNCT
issue-1112	187	18	the	the	DET
issue-1112	187	19	network	network	NOUN
issue-1112	187	20	forms	form	VERB
issue-1112	187	21	a	a	DET
issue-1112	187	22	healthy	healthy	ADJ
issue-1112	187	23	,	,	PUNCT
issue-1112	187	24	closed	closed	ADJ
issue-1112	187	25	-	-	PUNCT
issue-1112	187	26	loop	loop	NOUN
issue-1112	187	27	data	datum	NOUN
issue-1112	187	28	flow	flow	NOUN
issue-1112	187	29	within	within	ADP
issue-1112	187	30	the	the	DET
issue-1112	187	31	ecosystem	ecosystem	NOUN
issue-1112	187	32	.	.	PUNCT
issue-1112	188	1	enterprises	enterprise	NOUN
issue-1112	188	2	can	can	AUX
issue-1112	188	3	more	more	ADV
issue-1112	188	4	easily	easily	ADV
issue-1112	188	5	prove	prove	VERB
issue-1112	188	6	the	the	DET
issue-1112	188	7	validity	validity	NOUN
issue-1112	188	8	of	of	ADP
issue-1112	188	9	their	their	PRON
issue-1112	188	10	trades	trade	NOUN
issue-1112	188	11	and	and	CCONJ
issue-1112	188	12	better	well	ADV
issue-1112	188	13	apply	apply	VERB
issue-1112	188	14	for	for	ADP
issue-1112	188	15	financing	financing	NOUN
issue-1112	188	16	.	.	PUNCT
issue-1112	189	1	banks	bank	NOUN
issue-1112	189	2	can	can	AUX
issue-1112	189	3	conduct	conduct	VERB
issue-1112	189	4	more	more	ADV
issue-1112	189	5	accurate	accurate	ADJ
issue-1112	189	6	credit	credit	NOUN
issue-1112	189	7	assessments	assessment	NOUN
issue-1112	189	8	,	,	PUNCT
issue-1112	189	9	lowering	lower	VERB
issue-1112	189	10	financial	financial	ADJ
issue-1112	189	11	risk	risk	NOUN
issue-1112	189	12	.	.	PUNCT
issue-1112	190	1	the	the	DET
issue-1112	190	2	winners	winner	NOUN
issue-1112	190	3	in	in	ADP
issue-1112	190	4	the	the	DET
issue-1112	190	5	nomination	nomination	NOUN
issue-1112	190	6	“	"	PUNCT
issue-1112	190	7	channel	channel	NOUN
issue-1112	190	8	financial	financial	ADJ
issue-1112	190	9	innovation	innovation	NOUN
issue-1112	190	10	”	"	PUNCT
issue-1112	190	11	in	in	ADP
issue-1112	190	12	2015–2019	2015–2019	NUM
issue-1112	190	13	were	be	AUX
issue-1112	190	14	the	the	DET
issue-1112	190	15	bank	bank	PROPN
issue-1112	190	16	of	of	ADP
issue-1112	190	17	east	east	PROPN
issue-1112	190	18	asia	asia	PROPN
issue-1112	190	19	,	,	PUNCT
issue-1112	190	20	limited	limit	VERB
issue-1112	190	21	(	(	PUNCT
issue-1112	190	22	hong	hong	PROPN
issue-1112	190	23	kong	kong	PROPN
issue-1112	190	24	,	,	PUNCT
issue-1112	190	25	china	china	PROPN
issue-1112	190	26	)	)	PUNCT
issue-1112	190	27	,	,	PUNCT
issue-1112	190	28	mizuho	mizuho	PROPN
issue-1112	190	29	financial	financial	PROPN
issue-1112	190	30	group	group	PROPN
issue-1112	190	31	,	,	PUNCT
issue-1112	190	32	inc	inc	PROPN
issue-1112	190	33	.	.	PROPN
issue-1112	190	34	,	,	PUNCT
issue-1112	190	35	hdfc	hdfc	PROPN
issue-1112	190	36	bank	bank	PROPN
issue-1112	190	37	limited	limit	VERB
issue-1112	190	38	,	,	PUNCT
issue-1112	190	39	ping	pe	VERB
issue-1112	190	40	an	an	DET
issue-1112	190	41	technology	technology	NOUN
issue-1112	190	42	(	(	PUNCT
issue-1112	190	43	shanghai	shanghai	PROPN
issue-1112	190	44	,	,	PUNCT
issue-1112	190	45	china	china	PROPN
issue-1112	190	46	)	)	PUNCT
issue-1112	190	47	,	,	PUNCT
issue-1112	190	48	royal	royal	PROPN
issue-1112	190	49	bank	bank	PROPN
issue-1112	190	50	of	of	ADP
issue-1112	190	51	canada	canada	PROPN
issue-1112	190	52	(	(	PUNCT
issue-1112	190	53	table	table	NOUN
issue-1112	190	54	3	3	NUM
issue-1112	190	55	)	)	PUNCT
issue-1112	190	56	.	.	PUNCT
issue-1112	191	1	table	table	NOUN
issue-1112	191	2	3	3	NUM
issue-1112	191	3	channel	channel	NOUN
issue-1112	191	4	financial	financial	ADJ
issue-1112	191	5	innovation	innovation	NOUN
issue-1112	191	6	year	year	NOUN
issue-1112	191	7	innovator	innovator	NOUN
issue-1112	191	8	innovation	innovation	NOUN
issue-1112	191	9	2015	2015	NUM
issue-1112	191	10	the	the	DET
issue-1112	191	11	bank	bank	PROPN
issue-1112	191	12	of	of	ADP
issue-1112	191	13	east	east	PROPN
issue-1112	191	14	asia	asia	PROPN
issue-1112	191	15	,	,	PUNCT
issue-1112	191	16	limited	limit	VERB
issue-1112	191	17	(	(	PUNCT
issue-1112	191	18	hong	hong	PROPN
issue-1112	191	19	kong	kong	PROPN
issue-1112	191	20	,	,	PUNCT
issue-1112	191	21	china	china	PROPN
issue-1112	191	22	)	)	PUNCT
issue-1112	191	23	digital	digital	ADJ
issue-1112	191	24	branch	branch	NOUN
issue-1112	191	25	:	:	PUNCT
issue-1112	191	26	a	a	DET
issue-1112	191	27	new	new	ADJ
issue-1112	191	28	way	way	NOUN
issue-1112	191	29	to	to	ADP
issue-1112	191	30	bank	bank	NOUN
issue-1112	191	31	.	.	PUNCT
issue-1112	192	1	the	the	DET
issue-1112	192	2	bank	bank	PROPN
issue-1112	192	3	of	of	ADP
issue-1112	192	4	east	east	PROPN
issue-1112	192	5	asia	asia	PROPN
issue-1112	192	6	,	,	PUNCT
issue-1112	192	7	limited	limit	VERB
issue-1112	192	8	(	(	PUNCT
issue-1112	192	9	bea	bea	PROPN
issue-1112	192	10	)	)	PUNCT
issue-1112	192	11	launched	launch	VERB
issue-1112	192	12	a	a	DET
issue-1112	192	13	highly	highly	ADV
issue-1112	192	14	flexible	flexible	ADJ
issue-1112	192	15	and	and	CCONJ
issue-1112	192	16	mobile	mobile	ADJ
issue-1112	192	17	digital	digital	ADJ
issue-1112	192	18	branch	branch	NOUN
issue-1112	192	19	that	that	PRON
issue-1112	192	20	operates	operate	VERB
issue-1112	192	21	as	as	ADP
issue-1112	192	22	a	a	DET
issue-1112	192	23	paperless	paperless	NOUN
issue-1112	192	24	,	,	PUNCT
issue-1112	192	25	straight	straight	ADJ
issue-1112	192	26	-	-	PUNCT
issue-1112	192	27	through	through	NOUN
issue-1112	192	28	model	model	NOUN
issue-1112	192	29	.	.	PUNCT
issue-1112	193	1	the	the	DET
issue-1112	193	2	digital	digital	ADJ
issue-1112	193	3	branch	branch	NOUN
issue-1112	193	4	has	have	VERB
issue-1112	193	5	a	a	DET
issue-1112	193	6	footprint	footprint	NOUN
issue-1112	193	7	of	of	ADP
issue-1112	193	8	just	just	ADV
issue-1112	193	9	half	half	DET
issue-1112	193	10	the	the	DET
issue-1112	193	11	floor	floor	NOUN
issue-1112	193	12	space	space	NOUN
issue-1112	193	13	of	of	ADP
issue-1112	193	14	a	a	DET
issue-1112	193	15	traditional	traditional	ADJ
issue-1112	193	16	branch	branch	NOUN
issue-1112	193	17	,	,	PUNCT
issue-1112	193	18	and	and	CCONJ
issue-1112	193	19	takes	take	VERB
issue-1112	193	20	only	only	ADV
issue-1112	193	21	13	13	NUM
issue-1112	193	22	days	day	NOUN
issue-1112	193	23	to	to	PART
issue-1112	193	24	renovate	renovate	VERB
issue-1112	193	25	and	and	CCONJ
issue-1112	193	26	install	install	VERB
issue-1112	193	27	.	.	PUNCT
issue-1112	194	1	the	the	DET
issue-1112	194	2	branch	branch	NOUN
issue-1112	194	3	contains	contain	VERB
issue-1112	194	4	a	a	DET
issue-1112	194	5	much	much	ADV
issue-1112	194	6	smaller	small	ADJ
issue-1112	194	7	back	back	ADJ
issue-1112	194	8	-	-	PUNCT
issue-1112	194	9	office	office	NOUN
issue-1112	194	10	area	area	NOUN
issue-1112	194	11	and	and	CCONJ
issue-1112	194	12	requires	require	VERB
issue-1112	194	13	reduced	reduced	ADJ
issue-1112	194	14	manpower	manpower	NOUN
issue-1112	194	15	,	,	PUNCT
issue-1112	194	16	enabling	enable	VERB
issue-1112	194	17	bea	bea	PROPN
issue-1112	194	18	to	to	PART
issue-1112	194	19	open	open	VERB
issue-1112	194	20	in	in	ADP
issue-1112	194	21	high	high	ADJ
issue-1112	194	22	-	-	PUNCT
issue-1112	194	23	footfall	footfall	NOUN
issue-1112	194	24	luxury	luxury	NOUN
issue-1112	194	25	shopping	shopping	NOUN
issue-1112	194	26	malls	mall	NOUN
issue-1112	194	27	.	.	PUNCT
issue-1112	195	1	2016	2016	NUM
issue-1112	195	2	mizuho	mizuho	PROPN
issue-1112	195	3	financial	financial	ADJ
issue-1112	195	4	group	group	PROPN
issue-1112	195	5	,	,	PUNCT
issue-1112	195	6	inc	inc	PROPN
issue-1112	195	7	.	.	PROPN
issue-1112	195	8	mizuho	mizuho	PROPN
issue-1112	195	9	financial	financial	PROPN
issue-1112	195	10	group	group	PROPN
issue-1112	195	11	,	,	PUNCT
issue-1112	195	12	inc	inc	PROPN
issue-1112	195	13	.	.	PROPN
issue-1112	195	14	has	have	AUX
issue-1112	195	15	launched	launch	VERB
issue-1112	195	16	an	an	DET
issue-1112	195	17	innovative	innovative	ADJ
issue-1112	195	18	branch	branch	NOUN
issue-1112	195	19	solution	solution	NOUN
issue-1112	195	20	with	with	ADP
issue-1112	195	21	the	the	DET
issue-1112	195	22	deployment	deployment	NOUN
issue-1112	195	23	of	of	ADP
issue-1112	195	24	“	"	PUNCT
issue-1112	195	25	pepper	pepper	NOUN
issue-1112	195	26	”	"	PUNCT
issue-1112	195	27	the	the	DET
issue-1112	195	28	emotional	emotional	ADJ
issue-1112	195	29	humanoid	humanoid	NOUN
issue-1112	195	30	robots	robot	NOUN
issue-1112	195	31	that	that	PRON
issue-1112	195	32	act	act	VERB
issue-1112	195	33	as	as	ADP
issue-1112	195	34	a	a	DET
issue-1112	195	35	concierge	concierge	NOUN
issue-1112	195	36	,	,	PUNCT
issue-1112	195	37	in	in	ADP
issue-1112	195	38	the	the	DET
issue-1112	195	39	traditional	traditional	ADJ
issue-1112	195	40	formal	formal	ADJ
issue-1112	195	41	japanese	japanese	ADJ
issue-1112	195	42	bank	bank	NOUN
issue-1112	195	43	branches	branch	NOUN
issue-1112	195	44	.	.	PUNCT
issue-1112	196	1	the	the	DET
issue-1112	196	2	primary	primary	ADJ
issue-1112	196	3	impacts	impact	NOUN
issue-1112	196	4	anticipated	anticipate	VERB
issue-1112	196	5	from	from	ADP
issue-1112	196	6	this	this	DET
issue-1112	196	7	original	original	ADJ
issue-1112	196	8	innovation	innovation	NOUN
issue-1112	196	9	are	be	AUX
issue-1112	196	10	to	to	PART
issue-1112	196	11	improve	improve	VERB
issue-1112	196	12	service	service	NOUN
issue-1112	196	13	to	to	ADP
issue-1112	196	14	customers	customer	NOUN
issue-1112	196	15	using	use	VERB
issue-1112	196	16	ai	ai	ADP
issue-1112	196	17	and	and	CCONJ
issue-1112	196	18	big	big	ADJ
issue-1112	196	19	data	datum	NOUN
issue-1112	196	20	,	,	PUNCT
issue-1112	196	21	and	and	CCONJ
issue-1112	196	22	to	to	PART
issue-1112	196	23	provide	provide	VERB
issue-1112	196	24	a	a	DET
issue-1112	196	25	unique	unique	ADJ
issue-1112	196	26	ux	ux	NOUN
issue-1112	196	27	through	through	ADP
issue-1112	196	28	digital	digital	ADJ
issue-1112	196	29	omotenashi	omotenashi	PROPN
issue-1112	196	30	*	*	PROPN
issue-1112	196	31	.	.	PROPN
issue-1112	196	32	2017	2017	NUM
issue-1112	196	33	hdfc	hdfc	PROPN
issue-1112	196	34	bank	bank	PROPN
issue-1112	196	35	limited	limited	PROPN
issue-1112	196	36	hdfc	hdfc	PROPN
issue-1112	196	37	bank	bank	PROPN
issue-1112	196	38	on	on	ADP
issue-1112	196	39	chat	chat	PROPN
issue-1112	196	40	is	be	AUX
issue-1112	196	41	a	a	DET
issue-1112	196	42	chat	chat	NOUN
issue-1112	196	43	-	-	PUNCT
issue-1112	196	44	based	base	VERB
issue-1112	196	45	platform	platform	NOUN
issue-1112	196	46	on	on	ADP
issue-1112	196	47	facebook	facebook	PROPN
issue-1112	196	48	messenger	messenger	NOUN
issue-1112	196	49	which	which	PRON
issue-1112	196	50	provides	provide	VERB
issue-1112	196	51	commerce	commerce	NOUN
issue-1112	196	52	services	service	NOUN
issue-1112	196	53	like	like	ADP
issue-1112	196	54	bill	bill	NOUN
issue-1112	196	55	payments	payment	NOUN
issue-1112	196	56	,	,	PUNCT
issue-1112	196	57	travel	travel	NOUN
issue-1112	196	58	bookings	booking	NOUN
issue-1112	196	59	,	,	PUNCT
issue-1112	196	60	event	event	NOUN
issue-1112	196	61	bookings	booking	NOUN
issue-1112	196	62	,	,	PUNCT
issue-1112	196	63	etc	etc	X
issue-1112	196	64	.	.	X
issue-1112	196	65	since	since	SCONJ
issue-1112	196	66	hdfc	hdfc	PROPN
issue-1112	196	67	bank	bank	PROPN
issue-1112	196	68	onchat	onchat	PROPN
issue-1112	196	69	is	be	AUX
issue-1112	196	70	built	build	VERB
issue-1112	196	71	on	on	ADP
issue-1112	196	72	an	an	DET
issue-1112	196	73	intuitive	intuitive	ADJ
issue-1112	196	74	natural	natural	ADJ
issue-1112	196	75	language	language	NOUN
issue-1112	196	76	processing	processing	NOUN
issue-1112	196	77	(	(	PUNCT
issue-1112	196	78	nlp	nlp	NOUN
issue-1112	196	79	)	)	PUNCT
issue-1112	196	80	based	base	VERB
issue-1112	196	81	artificial	artificial	ADJ
issue-1112	196	82	intelligence	intelligence	NOUN
issue-1112	196	83	platform	platform	NOUN
issue-1112	196	84	,	,	PUNCT
issue-1112	196	85	it	it	PRON
issue-1112	196	86	understands	understand	VERB
issue-1112	196	87	its	its	PRON
issue-1112	196	88	user	user	NOUN
issue-1112	196	89	’s	’s	PART
issue-1112	196	90	intent	intent	NOUN
issue-1112	196	91	based	base	VERB
issue-1112	196	92	on	on	ADP
issue-1112	196	93	free	free	ADJ
issue-1112	196	94	text	text	NOUN
issue-1112	196	95	input	input	NOUN
issue-1112	196	96	.	.	PUNCT
issue-1112	197	1	a	a	DET
issue-1112	197	2	user	user	NOUN
issue-1112	197	3	just	just	ADV
issue-1112	197	4	needs	need	VERB
issue-1112	197	5	to	to	PART
issue-1112	197	6	chat	chat	VERB
issue-1112	197	7	with	with	ADP
issue-1112	197	8	hdfc	hdfc	PROPN
issue-1112	197	9	bank	bank	PROPN
issue-1112	197	10	onchat	onchat	PROPN
issue-1112	197	11	on	on	ADP
issue-1112	197	12	facebook	facebook	PROPN
issue-1112	197	13	messenger	messenger	NOUN
issue-1112	197	14	to	to	PART
issue-1112	197	15	complete	complete	VERB
issue-1112	197	16	any	any	DET
issue-1112	197	17	transaction	transaction	NOUN
issue-1112	197	18	.	.	PUNCT
issue-1112	198	1	2018	2018	NUM
issue-1112	198	2	ping	ping	NOUN
issue-1112	198	3	an	an	DET
issue-1112	198	4	technology	technology	NOUN
issue-1112	198	5	(	(	PUNCT
issue-1112	198	6	shanghai	shanghai	PROPN
issue-1112	198	7	,	,	PUNCT
issue-1112	198	8	china	china	PROPN
issue-1112	198	9	)	)	PUNCT
issue-1112	198	10	emotion	emotion	NOUN
issue-1112	198	11	recognition	recognition	NOUN
issue-1112	198	12	based	base	VERB
issue-1112	198	13	financial	financial	ADJ
issue-1112	198	14	risk	risk	NOUN
issue-1112	198	15	management	management	NOUN
issue-1112	198	16	system	system	NOUN
issue-1112	198	17	.	.	PUNCT
issue-1112	199	1	combining	combine	VERB
issue-1112	199	2	psychology	psychology	NOUN
issue-1112	199	3	and	and	CCONJ
issue-1112	199	4	ai	ai	VERB
issue-1112	199	5	to	to	PART
issue-1112	199	6	assist	assist	VERB
issue-1112	199	7	credit	credit	NOUN
issue-1112	199	8	analysts	analyst	NOUN
issue-1112	199	9	in	in	ADP
issue-1112	199	10	credit	credit	NOUN
issue-1112	199	11	review	review	NOUN
issue-1112	199	12	.	.	PUNCT
issue-1112	200	1	solution	solution	NOUN
issue-1112	200	2	utilizes	utilize	VERB
issue-1112	200	3	the	the	DET
issue-1112	200	4	results	result	NOUN
issue-1112	200	5	of	of	ADP
issue-1112	200	6	psychological	psychological	ADJ
issue-1112	200	7	study	study	NOUN
issue-1112	200	8	,	,	PUNCT
issue-1112	200	9	adopts	adopt	VERB
issue-1112	200	10	ai	ai	VERB
issue-1112	200	11	methods	method	NOUN
issue-1112	200	12	,	,	PUNCT
issue-1112	200	13	and	and	CCONJ
issue-1112	200	14	extracts	extract	VERB
issue-1112	200	15	the	the	DET
issue-1112	200	16	abnormal	abnormal	ADJ
issue-1112	200	17	performance	performance	NOUN
issue-1112	200	18	of	of	ADP
issue-1112	200	19	people	people	NOUN
issue-1112	200	20	when	when	SCONJ
issue-1112	200	21	they	they	PRON
issue-1112	200	22	tell	tell	VERB
issue-1112	200	23	lies	lie	NOUN
issue-1112	200	24	to	to	PART
issue-1112	200	25	provide	provide	VERB
issue-1112	200	26	assistant	assistant	ADJ
issue-1112	200	27	judgment	judgment	NOUN
issue-1112	200	28	for	for	ADP
issue-1112	200	29	the	the	DET
issue-1112	200	30	credit	credit	NOUN
issue-1112	200	31	review	review	NOUN
issue-1112	200	32	process	process	NOUN
issue-1112	200	33	.	.	PUNCT
issue-1112	201	1	it	it	PRON
issue-1112	201	2	lowers	lower	VERB
issue-1112	201	3	the	the	DET
issue-1112	201	4	professional	professional	ADJ
issue-1112	201	5	threshold	threshold	NOUN
issue-1112	201	6	of	of	ADP
issue-1112	201	7	credit	credit	NOUN
issue-1112	201	8	analysts	analyst	NOUN
issue-1112	201	9	,	,	PUNCT
issue-1112	201	10	improves	improve	VERB
issue-1112	201	11	the	the	DET
issue-1112	201	12	efficiency	efficiency	NOUN
issue-1112	201	13	of	of	ADP
issue-1112	201	14	credit	credit	NOUN
issue-1112	201	15	review	review	NOUN
issue-1112	201	16	,	,	PUNCT
issue-1112	201	17	reduces	reduce	VERB
issue-1112	201	18	the	the	DET
issue-1112	201	19	bad	bad	ADJ
issue-1112	201	20	debt	debt	NOUN
issue-1112	201	21	ratio	ratio	NOUN
issue-1112	201	22	.	.	PUNCT
issue-1112	202	1	2019	2019	NUM
issue-1112	202	2	royal	royal	PROPN
issue-1112	202	3	bank	bank	PROPN
issue-1112	202	4	of	of	ADP
issue-1112	202	5	canada	canada	PROPN
issue-1112	202	6	(	(	PUNCT
issue-1112	202	7	canada	canada	PROPN
issue-1112	202	8	)	)	PUNCT
issue-1112	202	9	drive	drive	NOUN
issue-1112	202	10	,	,	PUNCT
issue-1112	202	11	a	a	DET
issue-1112	202	12	mobile	mobile	ADJ
issue-1112	202	13	and	and	CCONJ
issue-1112	202	14	web	web	NOUN
issue-1112	202	15	app	app	PROPN
issue-1112	202	16	,	,	PUNCT
issue-1112	202	17	keeps	keep	VERB
issue-1112	202	18	canadian	canadian	ADJ
issue-1112	202	19	car	car	NOUN
issue-1112	202	20	owners	owner	NOUN
issue-1112	202	21	on	on	ADP
issue-1112	202	22	top	top	NOUN
issue-1112	202	23	of	of	ADP
issue-1112	202	24	maintenance	maintenance	NOUN
issue-1112	202	25	and	and	CCONJ
issue-1112	202	26	essential	essential	ADJ
issue-1112	202	27	car	car	NOUN
issue-1112	202	28	services	service	NOUN
issue-1112	202	29	–	–	PUNCT
issue-1112	202	30	from	from	ADP
issue-1112	202	31	booking	book	VERB
issue-1112	202	32	service	service	NOUN
issue-1112	202	33	appointments	appointment	NOUN
issue-1112	202	34	,	,	PUNCT
issue-1112	202	35	to	to	ADP
issue-1112	202	36	staying	stay	VERB
issue-1112	202	37	up	up	ADP
issue-1112	202	38	to	to	ADP
issue-1112	202	39	date	date	NOUN
issue-1112	202	40	on	on	ADP
issue-1112	202	41	safety	safety	NOUN
issue-1112	202	42	recalls	recall	VERB
issue-1112	202	43	,	,	PUNCT
issue-1112	202	44	to	to	ADP
issue-1112	202	45	storing	store	VERB
issue-1112	202	46	essential	essential	ADJ
issue-1112	202	47	ownership	ownership	NOUN
issue-1112	202	48	details	detail	NOUN
issue-1112	202	49	and	and	CCONJ
issue-1112	202	50	documents	document	NOUN
issue-1112	202	51	,	,	PUNCT
issue-1112	202	52	and	and	CCONJ
issue-1112	202	53	more	more	ADJ
issue-1112	202	54	.	.	PUNCT
issue-1112	203	1	source	source	NOUN
issue-1112	203	2	:	:	PUNCT
issue-1112	203	3	systematized	systematize	VERB
issue-1112	203	4	by	by	ADP
issue-1112	203	5	the	the	DET
issue-1112	203	6	authors	author	NOUN
issue-1112	203	7	on	on	ADP
issue-1112	203	8	the	the	DET
issue-1112	203	9	basis	basis	NOUN
issue-1112	203	10	of	of	ADP
issue-1112	203	11	(	(	PUNCT
issue-1112	203	12	the	the	DET
issue-1112	203	13	bai	bai	PROPN
issue-1112	203	14	global	global	PROPN
issue-1112	203	15	innovation	innovation	PROPN
issue-1112	203	16	awards	award	NOUN
issue-1112	203	17	,	,	PUNCT
issue-1112	203	18	2021	2021	NUM
issue-1112	203	19	)	)	PUNCT
issue-1112	203	20	baltic	baltic	ADJ
issue-1112	203	21	journal	journal	NOUN
issue-1112	203	22	of	of	ADP
issue-1112	203	23	economic	economic	ADJ
issue-1112	203	24	studies	study	NOUN
issue-1112	203	25	196	196	NUM
issue-1112	203	26	vol	vol	NOUN
issue-1112	203	27	.	.	PROPN
issue-1112	203	28	7	7	NUM
issue-1112	204	1	no	no	NOUN
issue-1112	204	2	.	.	NOUN
issue-1112	204	3	2	2	NUM
issue-1112	204	4	,	,	PUNCT
issue-1112	204	5	2021	2021	NUM
issue-1112	204	6	another	another	DET
issue-1112	204	7	relevant	relevant	ADJ
issue-1112	204	8	and	and	CCONJ
issue-1112	204	9	important	important	ADJ
issue-1112	204	10	nomination	nomination	NOUN
issue-1112	204	11	is	be	AUX
issue-1112	204	12	“	"	PUNCT
issue-1112	204	13	human	human	ADJ
issue-1112	204	14	capital	capital	NOUN
issue-1112	204	15	innovation	innovation	NOUN
issue-1112	204	16	”	"	PUNCT
issue-1112	204	17	.	.	PUNCT
issue-1112	205	1	the	the	DET
issue-1112	205	2	finalists	finalist	NOUN
issue-1112	205	3	of	of	ADP
issue-1112	205	4	the	the	DET
issue-1112	205	5	bai	bai	PROPN
issue-1112	205	6	global	global	PROPN
issue-1112	205	7	innovation	innovation	PROPN
issue-1112	205	8	awards	award	NOUN
issue-1112	205	9	were	be	AUX
issue-1112	205	10	:	:	PUNCT
issue-1112	205	11	–	–	PUNCT
issue-1112	205	12	citizens	citizen	NOUN
issue-1112	205	13	financial	financial	ADJ
issue-1112	205	14	group	group	NOUN
issue-1112	205	15	jamie	jamie	PROPN
issue-1112	205	16	virtual	virtual	ADJ
issue-1112	205	17	career	career	NOUN
issue-1112	205	18	assistant	assistant	NOUN
issue-1112	205	19	(	(	PUNCT
issue-1112	205	20	united	united	PROPN
issue-1112	205	21	states	states	PROPN
issue-1112	205	22	)	)	PUNCT
issue-1112	205	23	enables	enable	VERB
issue-1112	205	24	an	an	DET
issue-1112	205	25	impactful	impactful	ADJ
issue-1112	205	26	,	,	PUNCT
issue-1112	205	27	personalized	personalized	ADJ
issue-1112	205	28	,	,	PUNCT
issue-1112	205	29	and	and	CCONJ
issue-1112	205	30	modern	modern	ADJ
issue-1112	205	31	candidate	candidate	NOUN
issue-1112	205	32	experience	experience	NOUN
issue-1112	205	33	to	to	ADP
issue-1112	205	34	all	all	DET
issue-1112	205	35	prospects	prospect	NOUN
issue-1112	205	36	and	and	CCONJ
issue-1112	205	37	delivers	deliver	VERB
issue-1112	205	38	efficiencies	efficiency	NOUN
issue-1112	205	39	and	and	CCONJ
issue-1112	205	40	new	new	ADJ
issue-1112	205	41	capabilities	capability	NOUN
issue-1112	205	42	throughout	throughout	ADP
issue-1112	205	43	the	the	DET
issue-1112	205	44	recruitment	recruitment	NOUN
issue-1112	205	45	process	process	NOUN
issue-1112	205	46	.	.	PUNCT
issue-1112	206	1	jamie	jamie	PROPN
issue-1112	206	2	uses	use	VERB
issue-1112	206	3	intuitive	intuitive	ADJ
issue-1112	206	4	,	,	PUNCT
issue-1112	206	5	conversational	conversational	ADJ
issue-1112	206	6	language	language	NOUN
issue-1112	206	7	,	,	PUNCT
issue-1112	206	8	and	and	CCONJ
issue-1112	206	9	can	can	AUX
issue-1112	206	10	understand	understand	VERB
issue-1112	206	11	the	the	DET
issue-1112	206	12	natural	natural	ADJ
issue-1112	206	13	language	language	NOUN
issue-1112	206	14	of	of	ADP
issue-1112	206	15	the	the	DET
issue-1112	206	16	user	user	NOUN
issue-1112	206	17	.	.	PUNCT
issue-1112	207	1	she	she	PRON
issue-1112	207	2	even	even	ADV
issue-1112	207	3	uses	use	VERB
issue-1112	207	4	emoji	emoji	PROPN
issue-1112	207	5	’s	’s	NOUN
issue-1112	207	6	in	in	ADP
issue-1112	207	7	her	her	PRON
issue-1112	207	8	responses	response	NOUN
issue-1112	207	9	!	!	PUNCT
issue-1112	208	1	external	external	ADJ
issue-1112	208	2	job	job	NOUN
issue-1112	208	3	seekers	seeker	NOUN
issue-1112	208	4	have	have	AUX
issue-1112	208	5	leveraged	leverage	VERB
issue-1112	208	6	their	their	PRON
issue-1112	208	7	chat	chat	NOUN
issue-1112	208	8	with	with	ADP
issue-1112	208	9	jamie	jamie	PROPN
issue-1112	208	10	to	to	PART
issue-1112	208	11	search	search	VERB
issue-1112	208	12	for	for	ADP
issue-1112	208	13	open	open	ADJ
issue-1112	208	14	jobs	job	NOUN
issue-1112	208	15	and	and	CCONJ
issue-1112	208	16	kick	kick	NOUN
issue-1112	208	17	-	-	PUNCT
issue-1112	208	18	off	off	ADP
issue-1112	208	19	the	the	DET
issue-1112	208	20	application	application	NOUN
issue-1112	208	21	process	process	NOUN
issue-1112	208	22	.	.	PUNCT
issue-1112	209	1	jamie	jamie	PROPN
issue-1112	209	2	has	have	AUX
issue-1112	209	3	interacted	interact	VERB
issue-1112	209	4	with	with	ADP
issue-1112	209	5	more	more	ADJ
issue-1112	209	6	than	than	ADP
issue-1112	209	7	18,000	18,000	NUM
issue-1112	209	8	candidates	candidate	NOUN
issue-1112	209	9	answering	answer	VERB
issue-1112	209	10	60,000	60,000	NUM
issue-1112	209	11	inquiries	inquiry	NOUN
issue-1112	209	12	on	on	ADP
issue-1112	209	13	benefits	benefit	NOUN
issue-1112	209	14	,	,	PUNCT
issue-1112	209	15	company	company	NOUN
issue-1112	209	16	culture	culture	NOUN
issue-1112	209	17	and	and	CCONJ
issue-1112	209	18	interview	interview	NOUN
issue-1112	209	19	process	process	NOUN
issue-1112	209	20	,	,	PUNCT
issue-1112	209	21	plus	plus	CCONJ
issue-1112	209	22	topical	topical	ADJ
issue-1112	209	23	questions	question	NOUN
issue-1112	209	24	on	on	ADP
issue-1112	209	25	citizens	citizen	NOUN
issue-1112	209	26	’	'	PUNCT
issue-1112	209	27	approach	approach	NOUN
issue-1112	209	28	to	to	ADP
issue-1112	209	29	covid-19	covid-19	PROPN
issue-1112	209	30	and	and	CCONJ
issue-1112	209	31	diversity	diversity	NOUN
issue-1112	209	32	,	,	PUNCT
issue-1112	209	33	equity	equity	NOUN
issue-1112	209	34	and	and	CCONJ
issue-1112	209	35	inclusion	inclusion	NOUN
issue-1112	209	36	.	.	PUNCT
issue-1112	210	1	–	–	PUNCT
issue-1112	210	2	sberbank	sberbank	ADJ
issue-1112	210	3	,	,	PUNCT
issue-1112	210	4	employee	employee	NOUN
issue-1112	210	5	digital	digital	PROPN
issue-1112	210	6	care	care	PROPN
issue-1112	210	7	program	program	NOUN
issue-1112	210	8	(	(	PUNCT
issue-1112	210	9	russia	russia	PROPN
issue-1112	210	10	)	)	PUNCT
issue-1112	210	11	,	,	PUNCT
issue-1112	210	12	the	the	DET
issue-1112	210	13	employee	employee	NOUN
issue-1112	210	14	digital	digital	PROPN
issue-1112	210	15	care	care	NOUN
issue-1112	210	16	program	program	NOUN
issue-1112	210	17	of	of	ADP
issue-1112	210	18	sberbank	sberbank	ADJ
issue-1112	210	19	identifies	identifie	NOUN
issue-1112	210	20	and	and	CCONJ
issue-1112	210	21	seeks	seek	VERB
issue-1112	210	22	to	to	PART
issue-1112	210	23	prevent	prevent	VERB
issue-1112	210	24	undue	undue	ADJ
issue-1112	210	25	stress	stress	NOUN
issue-1112	210	26	for	for	ADP
issue-1112	210	27	employees	employee	NOUN
issue-1112	210	28	at	at	ADP
issue-1112	210	29	all	all	DET
issue-1112	210	30	stages	stage	NOUN
issue-1112	210	31	of	of	ADP
issue-1112	210	32	their	their	PRON
issue-1112	210	33	career	career	NOUN
issue-1112	210	34	path	path	NOUN
issue-1112	210	35	within	within	ADP
issue-1112	210	36	the	the	DET
issue-1112	210	37	bank	bank	NOUN
issue-1112	210	38	.	.	PUNCT
issue-1112	211	1	by	by	ADP
issue-1112	211	2	using	use	VERB
issue-1112	211	3	a	a	DET
issue-1112	211	4	host	host	NOUN
issue-1112	211	5	of	of	ADP
issue-1112	211	6	digital	digital	ADJ
issue-1112	211	7	tools	tool	NOUN
issue-1112	211	8	and	and	CCONJ
issue-1112	211	9	technologies	technology	NOUN
issue-1112	211	10	,	,	PUNCT
issue-1112	211	11	gamification	gamification	NOUN
issue-1112	211	12	,	,	PUNCT
issue-1112	211	13	as	as	ADV
issue-1112	211	14	well	well	ADV
issue-1112	211	15	as	as	ADP
issue-1112	211	16	offering	offer	VERB
issue-1112	211	17	psychological	psychological	ADJ
issue-1112	211	18	support	support	NOUN
issue-1112	211	19	,	,	PUNCT
issue-1112	211	20	this	this	DET
issue-1112	211	21	programme	programme	NOUN
issue-1112	211	22	has	have	AUX
issue-1112	211	23	positively	positively	ADV
issue-1112	211	24	impacted	impact	VERB
issue-1112	211	25	the	the	DET
issue-1112	211	26	level	level	NOUN
issue-1112	211	27	of	of	ADP
issue-1112	211	28	employee	employee	NOUN
issue-1112	211	29	engagement	engagement	NOUN
issue-1112	211	30	and	and	CCONJ
issue-1112	211	31	satisfaction	satisfaction	NOUN
issue-1112	211	32	as	as	ADV
issue-1112	211	33	well	well	ADV
issue-1112	211	34	as	as	ADP
issue-1112	211	35	employee	employee	NOUN
issue-1112	211	36	efficiency	efficiency	NOUN
issue-1112	211	37	.	.	PUNCT
issue-1112	212	1	it	it	PRON
issue-1112	212	2	has	have	AUX
issue-1112	212	3	also	also	ADV
issue-1112	212	4	resulted	result	VERB
issue-1112	212	5	in	in	ADP
issue-1112	212	6	improved	improved	ADJ
issue-1112	212	7	customer	customer	NOUN
issue-1112	212	8	satisfaction	satisfaction	NOUN
issue-1112	212	9	scores	score	NOUN
issue-1112	212	10	.	.	PUNCT
issue-1112	213	1	–	–	PUNCT
issue-1112	213	2	ziraat	ziraat	PROPN
issue-1112	213	3	bank	bank	NOUN
issue-1112	213	4	,	,	PUNCT
issue-1112	213	5	hidden	hide	VERB
issue-1112	213	6	power	power	NOUN
issue-1112	213	7	of	of	ADP
issue-1112	213	8	communication	communication	NOUN
issue-1112	213	9	(	(	PUNCT
issue-1112	213	10	turkey	turkey	NOUN
issue-1112	213	11	)	)	PUNCT
issue-1112	213	12	,	,	PUNCT
issue-1112	213	13	with	with	ADP
issue-1112	213	14	the	the	DET
issue-1112	213	15	help	help	NOUN
issue-1112	213	16	of	of	ADP
issue-1112	213	17	analytics	analytic	NOUN
issue-1112	213	18	,	,	PUNCT
issue-1112	213	19	ziraat	ziraat	PROPN
issue-1112	213	20	bank	bank	PROPN
issue-1112	213	21	identified	identify	VERB
issue-1112	213	22	various	various	ADJ
issue-1112	213	23	factors	factor	NOUN
issue-1112	213	24	of	of	ADP
issue-1112	213	25	the	the	DET
issue-1112	213	26	increased	increase	VERB
issue-1112	213	27	employee	employee	NOUN
issue-1112	213	28	dissatisfaction	dissatisfaction	NOUN
issue-1112	213	29	and	and	CCONJ
issue-1112	213	30	bottlenecks	bottleneck	NOUN
issue-1112	213	31	in	in	ADP
issue-1112	213	32	communication	communication	NOUN
issue-1112	213	33	.	.	PUNCT
issue-1112	214	1	based	base	VERB
issue-1112	214	2	on	on	ADP
issue-1112	214	3	the	the	DET
issue-1112	214	4	data	datum	NOUN
issue-1112	214	5	,	,	PUNCT
issue-1112	214	6	they	they	PRON
issue-1112	214	7	created	create	VERB
issue-1112	214	8	an	an	DET
issue-1112	214	9	innovation	innovation	NOUN
issue-1112	214	10	designed	design	VERB
issue-1112	214	11	to	to	PART
issue-1112	214	12	strengthen	strengthen	VERB
issue-1112	214	13	the	the	DET
issue-1112	214	14	communication	communication	NOUN
issue-1112	214	15	network	network	NOUN
issue-1112	214	16	among	among	ADP
issue-1112	214	17	employees	employee	NOUN
issue-1112	214	18	and	and	CCONJ
issue-1112	214	19	to	to	PART
issue-1112	214	20	recognize	recognize	VERB
issue-1112	214	21	and	and	CCONJ
issue-1112	214	22	take	take	VERB
issue-1112	214	23	precautions	precaution	NOUN
issue-1112	214	24	in	in	ADP
issue-1112	214	25	case	case	NOUN
issue-1112	214	26	of	of	ADP
issue-1112	214	27	any	any	DET
issue-1112	214	28	communication	communication	NOUN
issue-1112	214	29	problem	problem	NOUN
issue-1112	214	30	.	.	PUNCT
issue-1112	215	1	the	the	DET
issue-1112	215	2	main	main	ADJ
issue-1112	215	3	purpose	purpose	NOUN
issue-1112	215	4	of	of	ADP
issue-1112	215	5	the	the	DET
issue-1112	215	6	innovation	innovation	NOUN
issue-1112	215	7	is	be	AUX
issue-1112	215	8	to	to	PART
issue-1112	215	9	establish	establish	VERB
issue-1112	215	10	connections	connection	NOUN
issue-1112	215	11	in	in	ADP
issue-1112	215	12	workplace	workplace	NOUN
issue-1112	215	13	,	,	PUNCT
issue-1112	215	14	to	to	PART
issue-1112	215	15	build	build	VERB
issue-1112	215	16	a	a	DET
issue-1112	215	17	culture	culture	NOUN
issue-1112	215	18	that	that	PRON
issue-1112	215	19	aligns	align	VERB
issue-1112	215	20	with	with	ADP
issue-1112	215	21	people	people	NOUN
issue-1112	215	22	’s	’s	PART
issue-1112	215	23	demand	demand	NOUN
issue-1112	215	24	and	and	CCONJ
issue-1112	215	25	to	to	PART
issue-1112	215	26	increase	increase	VERB
issue-1112	215	27	the	the	DET
issue-1112	215	28	level	level	NOUN
issue-1112	215	29	of	of	ADP
issue-1112	215	30	the	the	DET
issue-1112	215	31	workplace	workplace	NOUN
issue-1112	215	32	communication	communication	NOUN
issue-1112	215	33	.	.	PUNCT
issue-1112	216	1	among	among	ADP
issue-1112	216	2	the	the	DET
issue-1112	216	3	winners	winner	NOUN
issue-1112	216	4	in	in	ADP
issue-1112	216	5	2015	2015	NUM
issue-1112	216	6	-	-	SYM
issue-1112	216	7	2019	2019	NUM
issue-1112	216	8	in	in	ADP
issue-1112	216	9	the	the	DET
issue-1112	216	10	nomination	nomination	NOUN
issue-1112	216	11	“	"	PUNCT
issue-1112	216	12	financial	financial	ADJ
issue-1112	216	13	innovation	innovation	NOUN
issue-1112	216	14	in	in	ADP
issue-1112	216	15	social	social	ADJ
issue-1112	216	16	and	and	CCONJ
issue-1112	216	17	community	community	NOUN
issue-1112	216	18	impact	impact	NOUN
issue-1112	216	19	”	"	PUNCT
issue-1112	216	20	,	,	PUNCT
issue-1112	216	21	the	the	DET
issue-1112	216	22	following	follow	VERB
issue-1112	216	23	nominees	nominee	NOUN
issue-1112	216	24	were	be	AUX
issue-1112	216	25	determined	determine	VERB
issue-1112	216	26	:	:	PUNCT
issue-1112	216	27	nusenda	nusenda	ADJ
issue-1112	216	28	credit	credit	NOUN
issue-1112	216	29	union	union	NOUN
issue-1112	216	30	(	(	PUNCT
issue-1112	216	31	united	united	PROPN
issue-1112	216	32	states	states	PROPN
issue-1112	216	33	)	)	PUNCT
issue-1112	216	34	,	,	PUNCT
issue-1112	216	35	teb	teb	PROPN
issue-1112	216	36	women	woman	NOUN
issue-1112	216	37	banking	banking	NOUN
issue-1112	216	38	(	(	PUNCT
issue-1112	216	39	turkey	turkey	PROPN
issue-1112	216	40	)	)	PUNCT
issue-1112	216	41	,	,	PUNCT
issue-1112	216	42	taqanu	taqanu	NOUN
issue-1112	216	43	,	,	PUNCT
issue-1112	216	44	rukula	rukula	PROPN
issue-1112	216	45	(	(	PUNCT
issue-1112	216	46	pvt	pvt	PROPN
issue-1112	216	47	)	)	PUNCT
issue-1112	216	48	limited	limited	ADJ
issue-1112	216	49	(	(	PUNCT
issue-1112	216	50	colombo	colombo	NOUN
issue-1112	216	51	,	,	PUNCT
issue-1112	216	52	sri	sri	PROPN
issue-1112	216	53	lanka	lanka	PROPN
issue-1112	216	54	)	)	PUNCT
issue-1112	216	55	,	,	PUNCT
issue-1112	216	56	usaa	usaa	PROPN
issue-1112	216	57	(	(	PUNCT
issue-1112	216	58	san	san	PROPN
issue-1112	216	59	antonio	antonio	PROPN
issue-1112	216	60	,	,	PUNCT
issue-1112	216	61	tx	tx	PROPN
issue-1112	216	62	,	,	PUNCT
issue-1112	216	63	usa	usa	PROPN
issue-1112	216	64	)	)	PUNCT
issue-1112	216	65	,	,	PUNCT
issue-1112	216	66	jumo	jumo	PROPN
issue-1112	216	67	(	(	PUNCT
issue-1112	216	68	south	south	PROPN
issue-1112	216	69	aftrica	aftrica	PROPN
issue-1112	216	70	)	)	PUNCT
issue-1112	216	71	.	.	PUNCT
issue-1112	217	1	the	the	DET
issue-1112	217	2	main	main	ADJ
issue-1112	217	3	innovative	innovative	ADJ
issue-1112	217	4	ideas	idea	NOUN
issue-1112	217	5	of	of	ADP
issue-1112	217	6	the	the	DET
issue-1112	217	7	award	award	NOUN
issue-1112	217	8	winners	winner	NOUN
issue-1112	217	9	are	be	AUX
issue-1112	217	10	systematized	systematize	VERB
issue-1112	217	11	and	and	CCONJ
issue-1112	217	12	presented	present	VERB
issue-1112	217	13	in	in	ADP
issue-1112	217	14	table	table	NOUN
issue-1112	217	15	4	4	NUM
issue-1112	217	16	.	.	PUNCT
issue-1112	218	1	the	the	DET
issue-1112	218	2	next	next	ADJ
issue-1112	218	3	nomination	nomination	NOUN
issue-1112	218	4	worth	worth	ADJ
issue-1112	218	5	paying	pay	VERB
issue-1112	218	6	attention	attention	NOUN
issue-1112	218	7	to	to	ADP
issue-1112	218	8	is	be	AUX
issue-1112	218	9	“	"	PUNCT
issue-1112	218	10	financial	financial	ADJ
issue-1112	218	11	innovation	innovation	NOUN
issue-1112	218	12	in	in	ADP
issue-1112	218	13	internal	internal	ADJ
issue-1112	218	14	process	process	NOUN
issue-1112	218	15	improvement	improvement	NOUN
issue-1112	218	16	”	"	PUNCT
issue-1112	218	17	.	.	PUNCT
issue-1112	219	1	the	the	DET
issue-1112	219	2	innovative	innovative	ADJ
issue-1112	219	3	banks	bank	NOUN
issue-1112	219	4	in	in	ADP
issue-1112	219	5	this	this	DET
issue-1112	219	6	direction	direction	NOUN
issue-1112	219	7	in	in	ADP
issue-1112	219	8	table	table	NOUN
issue-1112	219	9	4	4	NUM
issue-1112	219	10	financial	financial	ADJ
issue-1112	219	11	innovation	innovation	NOUN
issue-1112	219	12	in	in	ADP
issue-1112	219	13	societal	societal	ADJ
issue-1112	219	14	and	and	CCONJ
issue-1112	219	15	community	community	NOUN
issue-1112	219	16	impact	impact	NOUN
issue-1112	219	17	year	year	NOUN
issue-1112	219	18	innovator	innovator	NOUN
issue-1112	219	19	innovation	innovation	NOUN
issue-1112	219	20	2015	2015	NUM
issue-1112	219	21	nusenda	nusenda	NOUN
issue-1112	219	22	credit	credit	NOUN
issue-1112	219	23	union	union	NOUN
issue-1112	219	24	(	(	PUNCT
issue-1112	219	25	united	united	PROPN
issue-1112	219	26	states	states	PROPN
issue-1112	219	27	)	)	PUNCT
issue-1112	219	28	co	co	NOUN
issue-1112	219	29	-	-	NOUN
issue-1112	219	30	op	op	NOUN
issue-1112	219	31	capital	capital	NOUN
issue-1112	219	32	:	:	PUNCT
issue-1112	219	33	widening	widen	VERB
issue-1112	219	34	access	access	NOUN
issue-1112	219	35	points	point	NOUN
issue-1112	219	36	to	to	ADP
issue-1112	219	37	financial	financial	ADJ
issue-1112	219	38	products	product	NOUN
issue-1112	219	39	.	.	PUNCT
issue-1112	220	1	nusenda	nusenda	NOUN
issue-1112	220	2	credit	credit	NOUN
issue-1112	220	3	union	union	NOUN
issue-1112	220	4	created	create	VERB
issue-1112	220	5	co	co	NOUN
issue-1112	220	6	-	-	NOUN
issue-1112	220	7	op	op	NOUN
issue-1112	220	8	capital	capital	NOUN
issue-1112	220	9	,	,	PUNCT
issue-1112	220	10	a	a	DET
issue-1112	220	11	collaborative	collaborative	ADJ
issue-1112	220	12	financial	financial	ADJ
issue-1112	220	13	product	product	NOUN
issue-1112	220	14	that	that	PRON
issue-1112	220	15	combines	combine	VERB
issue-1112	220	16	micro	micro	NOUN
issue-1112	220	17	-	-	NOUN
issue-1112	220	18	lending	lending	ADJ
issue-1112	220	19	and	and	CCONJ
issue-1112	220	20	community	community	NOUN
issue-1112	220	21	sponsors	sponsor	NOUN
issue-1112	220	22	.	.	PUNCT
issue-1112	221	1	this	this	PRON
issue-1112	221	2	is	be	AUX
issue-1112	221	3	the	the	DET
issue-1112	221	4	only	only	ADJ
issue-1112	221	5	product	product	NOUN
issue-1112	221	6	on	on	ADP
issue-1112	221	7	the	the	DET
issue-1112	221	8	market	market	NOUN
issue-1112	221	9	that	that	PRON
issue-1112	221	10	allows	allow	VERB
issue-1112	221	11	the	the	DET
issue-1112	221	12	target	target	NOUN
issue-1112	221	13	population	population	NOUN
issue-1112	221	14	to	to	PART
issue-1112	221	15	access	access	VERB
issue-1112	221	16	capital	capital	NOUN
issue-1112	221	17	through	through	ADP
issue-1112	221	18	a	a	DET
issue-1112	221	19	trusted	trust	VERB
issue-1112	221	20	community	community	NOUN
issue-1112	221	21	organization	organization	NOUN
issue-1112	221	22	versus	versus	ADP
issue-1112	221	23	a	a	DET
issue-1112	221	24	financial	financial	ADJ
issue-1112	221	25	institution	institution	NOUN
issue-1112	221	26	.	.	PUNCT
issue-1112	222	1	uniquely	uniquely	ADV
issue-1112	222	2	,	,	PUNCT
issue-1112	222	3	member	member	NOUN
issue-1112	222	4	organizations	organization	NOUN
issue-1112	222	5	(	(	PUNCT
issue-1112	222	6	co	co	NOUN
issue-1112	222	7	-	-	NOUN
issue-1112	222	8	ops	op	NOUN
issue-1112	222	9	,	,	PUNCT
issue-1112	222	10	networks	network	NOUN
issue-1112	222	11	,	,	PUNCT
issue-1112	222	12	unions	union	NOUN
issue-1112	222	13	,	,	PUNCT
issue-1112	222	14	etc	etc	X
issue-1112	222	15	.	.	X
issue-1112	222	16	)	)	PUNCT
issue-1112	222	17	sponsor	sponsor	VERB
issue-1112	222	18	the	the	DET
issue-1112	222	19	loan	loan	NOUN
issue-1112	222	20	application	application	NOUN
issue-1112	222	21	for	for	ADP
issue-1112	222	22	their	their	PRON
issue-1112	222	23	affiliates	affiliate	NOUN
issue-1112	222	24	and	and	CCONJ
issue-1112	222	25	provide	provide	VERB
issue-1112	222	26	the	the	DET
issue-1112	222	27	loan	loan	NOUN
issue-1112	222	28	underwriting	underwriting	NOUN
issue-1112	222	29	,	,	PUNCT
issue-1112	222	30	while	while	SCONJ
issue-1112	222	31	nusenda	nusenda	NOUN
issue-1112	222	32	credit	credit	NOUN
issue-1112	222	33	union	union	NOUN
issue-1112	222	34	does	do	VERB
issue-1112	222	35	the	the	DET
issue-1112	222	36	originating	originating	NOUN
issue-1112	222	37	.	.	PUNCT
issue-1112	223	1	2016	2016	NUM
issue-1112	223	2	teb	teb	PROPN
issue-1112	223	3	women	woman	NOUN
issue-1112	223	4	banking	banking	NOUN
issue-1112	223	5	(	(	PUNCT
issue-1112	223	6	turkey	turkey	PROPN
issue-1112	223	7	)	)	PUNCT
issue-1112	223	8	turk	turk	PROPN
issue-1112	223	9	ekonomi	ekonomi	PROPN
issue-1112	223	10	bankasi	bankasi	PROPN
issue-1112	223	11	(	(	PUNCT
issue-1112	223	12	teb	teb	PROPN
issue-1112	223	13	)	)	PUNCT
issue-1112	223	14	’s	’s	PART
issue-1112	223	15	establishment	establishment	NOUN
issue-1112	223	16	of	of	ADP
issue-1112	223	17	a	a	DET
issue-1112	223	18	separate	separate	ADJ
issue-1112	223	19	department	department	NOUN
issue-1112	223	20	to	to	PART
issue-1112	223	21	provide	provide	VERB
issue-1112	223	22	women	woman	NOUN
issue-1112	223	23	’s	’s	PART
issue-1112	223	24	banking	banking	NOUN
issue-1112	223	25	services	service	NOUN
issue-1112	223	26	that	that	PRON
issue-1112	223	27	provide	provide	VERB
issue-1112	223	28	solutions	solution	NOUN
issue-1112	223	29	to	to	ADP
issue-1112	223	30	the	the	DET
issue-1112	223	31	obstacles	obstacle	NOUN
issue-1112	223	32	women	woman	NOUN
issue-1112	223	33	face	face	VERB
issue-1112	223	34	in	in	ADP
issue-1112	223	35	business	business	NOUN
issue-1112	223	36	.	.	PUNCT
issue-1112	224	1	teb	teb	PROPN
issue-1112	224	2	is	be	AUX
issue-1112	224	3	the	the	DET
issue-1112	224	4	first	first	ADJ
issue-1112	224	5	and	and	CCONJ
issue-1112	224	6	only	only	ADV
issue-1112	224	7	bank	bank	NOUN
issue-1112	224	8	in	in	ADP
issue-1112	224	9	turkey	turkey	NOUN
issue-1112	224	10	which	which	PRON
issue-1112	224	11	has	have	AUX
issue-1112	224	12	set	set	VERB
issue-1112	224	13	up	up	ADP
issue-1112	224	14	a	a	DET
issue-1112	224	15	separate	separate	ADJ
issue-1112	224	16	department	department	NOUN
issue-1112	224	17	and	and	CCONJ
issue-1112	224	18	has	have	AUX
issue-1112	224	19	begun	begin	VERB
issue-1112	224	20	providing	provide	VERB
issue-1112	224	21	women	woman	NOUN
issue-1112	224	22	’s	’s	PART
issue-1112	224	23	banking	banking	NOUN
issue-1112	224	24	services	service	NOUN
issue-1112	224	25	.	.	PUNCT
issue-1112	225	1	2017	2017	NUM
issue-1112	225	2	taqanu	taqanu	NOUN
issue-1112	225	3	taqanu	taqanu	NOUN
issue-1112	225	4	opens	open	VERB
issue-1112	225	5	the	the	DET
issue-1112	225	6	financial	financial	ADJ
issue-1112	225	7	ecosystem	ecosystem	NOUN
issue-1112	225	8	for	for	ADP
issue-1112	225	9	anyone	anyone	PRON
issue-1112	225	10	by	by	ADP
issue-1112	225	11	using	use	VERB
issue-1112	225	12	a	a	DET
issue-1112	225	13	blockchain	blockchain	NOUN
issue-1112	225	14	-	-	PUNCT
issue-1112	225	15	based	base	VERB
issue-1112	225	16	digital	digital	PROPN
issue-1112	225	17	i	i	PROPN
issue-1112	225	18	d	d	PROPN
issue-1112	225	19	to	to	PART
issue-1112	225	20	enable	enable	VERB
issue-1112	225	21	financial	financial	ADJ
issue-1112	225	22	inclusion	inclusion	NOUN
issue-1112	225	23	and	and	CCONJ
issue-1112	225	24	create	create	VERB
issue-1112	225	25	equal	equal	ADJ
issue-1112	225	26	opportunities	opportunity	NOUN
issue-1112	225	27	.	.	PUNCT
issue-1112	226	1	the	the	DET
issue-1112	226	2	core	core	ADJ
issue-1112	226	3	goal	goal	NOUN
issue-1112	226	4	is	be	AUX
issue-1112	226	5	to	to	PART
issue-1112	226	6	enable	enable	VERB
issue-1112	226	7	anyone	anyone	PRON
issue-1112	226	8	with	with	ADP
issue-1112	226	9	a	a	DET
issue-1112	226	10	smartphone	smartphone	NOUN
issue-1112	226	11	access	access	NOUN
issue-1112	226	12	to	to	ADP
issue-1112	226	13	a	a	DET
issue-1112	226	14	simple	simple	ADJ
issue-1112	226	15	banking	banking	NOUN
issue-1112	226	16	solution	solution	NOUN
issue-1112	226	17	without	without	ADP
issue-1112	226	18	the	the	DET
issue-1112	226	19	burden	burden	NOUN
issue-1112	226	20	of	of	ADP
issue-1112	226	21	a	a	DET
issue-1112	226	22	local	local	ADJ
issue-1112	226	23	regulatory	regulatory	ADJ
issue-1112	226	24	regime	regime	NOUN
issue-1112	226	25	,	,	PUNCT
issue-1112	226	26	while	while	SCONJ
issue-1112	226	27	also	also	ADV
issue-1112	226	28	managing	manage	VERB
issue-1112	226	29	anti	anti	ADJ
issue-1112	226	30	-	-	ADJ
issue-1112	226	31	money	money	ADJ
issue-1112	226	32	laundering	laundering	NOUN
issue-1112	226	33	(	(	PUNCT
issue-1112	226	34	aml	aml	NOUN
issue-1112	226	35	)	)	PUNCT
issue-1112	226	36	risks	risk	NOUN
issue-1112	226	37	.	.	PUNCT
issue-1112	227	1	2018	2018	NUM
issue-1112	227	2	rukula	rukula	NOUN
issue-1112	227	3	(	(	PUNCT
issue-1112	227	4	pvt	pvt	PROPN
issue-1112	227	5	)	)	PUNCT
issue-1112	227	6	limited	limited	ADJ
issue-1112	227	7	(	(	PUNCT
issue-1112	227	8	colombo	colombo	NOUN
issue-1112	227	9	,	,	PUNCT
issue-1112	227	10	sri	sri	PROPN
issue-1112	227	11	lanka	lanka	PROPN
issue-1112	227	12	)	)	PUNCT
issue-1112	227	13	credit	credit	NOUN
issue-1112	227	14	for	for	ADP
issue-1112	227	15	small	small	ADJ
issue-1112	227	16	consumer	consumer	NOUN
issue-1112	227	17	durables	durable	NOUN
issue-1112	227	18	for	for	ADP
issue-1112	227	19	the	the	DET
issue-1112	227	20	financially	financially	ADV
issue-1112	227	21	excluded	exclude	VERB
issue-1112	227	22	in	in	ADP
issue-1112	227	23	sri	sri	PROPN
issue-1112	227	24	lanka	lanka	PROPN
issue-1112	227	25	.	.	PUNCT
issue-1112	228	1	using	use	VERB
issue-1112	228	2	sri	sri	PROPN
issue-1112	228	3	lanka	lanka	PROPN
issue-1112	228	4	’s	’s	PART
issue-1112	228	5	first	first	ADJ
issue-1112	228	6	non	non	ADJ
issue-1112	228	7	-	-	ADJ
issue-1112	228	8	financial	financial	ADJ
issue-1112	228	9	attribute	attribute	NOUN
issue-1112	228	10	based	base	VERB
issue-1112	228	11	alogorithm	alogorithm	PROPN
issue-1112	228	12	,	,	PUNCT
issue-1112	228	13	rukula	rukula	PROPN
issue-1112	228	14	seeks	seek	VERB
issue-1112	228	15	to	to	PART
issue-1112	228	16	help	help	VERB
issue-1112	228	17	the	the	DET
issue-1112	228	18	most	most	ADV
issue-1112	228	19	financially	financially	ADV
issue-1112	228	20	vulnerable	vulnerable	ADJ
issue-1112	228	21	citizens	citizen	NOUN
issue-1112	228	22	of	of	ADP
issue-1112	228	23	sri	sri	PROPN
issue-1112	228	24	lanka	lanka	PROPN
issue-1112	228	25	obtain	obtain	VERB
issue-1112	228	26	small	small	ADJ
issue-1112	228	27	consumer	consumer	NOUN
issue-1112	228	28	goods	good	NOUN
issue-1112	228	29	.	.	PUNCT
issue-1112	229	1	although	although	SCONJ
issue-1112	229	2	customers	customer	NOUN
issue-1112	229	3	are	be	AUX
issue-1112	229	4	encouraged	encourage	VERB
issue-1112	229	5	to	to	PART
issue-1112	229	6	keep	keep	VERB
issue-1112	229	7	up	up	ADP
issue-1112	229	8	with	with	ADP
issue-1112	229	9	their	their	PRON
issue-1112	229	10	payments	payment	NOUN
issue-1112	229	11	,	,	PUNCT
issue-1112	229	12	we	we	PRON
issue-1112	229	13	acknowledged	acknowledge	VERB
issue-1112	229	14	that	that	SCONJ
issue-1112	229	15	these	these	DET
issue-1112	229	16	communities	community	NOUN
issue-1112	229	17	would	would	AUX
issue-1112	229	18	have	have	VERB
issue-1112	229	19	significant	significant	ADJ
issue-1112	229	20	and	and	CCONJ
issue-1112	229	21	multiple	multiple	ADJ
issue-1112	229	22	financial	financial	ADJ
issue-1112	229	23	hardships	hardship	NOUN
issue-1112	229	24	during	during	ADP
issue-1112	229	25	the	the	DET
issue-1112	229	26	course	course	NOUN
issue-1112	229	27	of	of	ADP
issue-1112	229	28	their	their	PRON
issue-1112	229	29	credit	credit	NOUN
issue-1112	229	30	period	period	NOUN
issue-1112	229	31	.	.	PUNCT
issue-1112	230	1	consequently	consequently	ADV
issue-1112	230	2	,	,	PUNCT
issue-1112	230	3	there	there	PRON
issue-1112	230	4	are	be	VERB
issue-1112	230	5	no	no	DET
issue-1112	230	6	interest	interest	NOUN
issue-1112	230	7	costs	cost	NOUN
issue-1112	230	8	or	or	CCONJ
issue-1112	230	9	penalties	penalty	NOUN
issue-1112	230	10	for	for	ADP
issue-1112	230	11	late	late	ADJ
issue-1112	230	12	payments	payment	NOUN
issue-1112	230	13	.	.	PUNCT
issue-1112	231	1	usaa	usaa	PROPN
issue-1112	231	2	(	(	PUNCT
issue-1112	231	3	san	san	PROPN
issue-1112	231	4	аntonio	аntonio	PROPN
issue-1112	231	5	,	,	PUNCT
issue-1112	231	6	tx	tx	PROPN
issue-1112	231	7	,	,	PUNCT
issue-1112	231	8	usa	usa	NOUN
issue-1112	231	9	)	)	PUNCT
issue-1112	231	10	aerial	aerial	ADJ
issue-1112	231	11	imagery	imagery	NOUN
issue-1112	231	12	tool	tool	NOUN
issue-1112	231	13	.	.	PUNCT
issue-1112	232	1	the	the	DET
issue-1112	232	2	aerial	aerial	ADJ
issue-1112	232	3	imagery	imagery	NOUN
issue-1112	232	4	tool	tool	NOUN
issue-1112	232	5	utilizes	utilize	VERB
issue-1112	232	6	before	before	ADV
issue-1112	232	7	and	and	CCONJ
issue-1112	232	8	after	after	ADP
issue-1112	232	9	images	image	NOUN
issue-1112	232	10	to	to	PART
issue-1112	232	11	assess	assess	VERB
issue-1112	232	12	damage	damage	NOUN
issue-1112	232	13	so	so	SCONJ
issue-1112	232	14	anyone	anyone	PRON
issue-1112	232	15	can	can	AUX
issue-1112	232	16	type	type	VERB
issue-1112	232	17	in	in	ADP
issue-1112	232	18	an	an	DET
issue-1112	232	19	address	address	NOUN
issue-1112	232	20	and	and	CCONJ
issue-1112	232	21	see	see	VERB
issue-1112	232	22	the	the	DET
issue-1112	232	23	images	image	NOUN
issue-1112	232	24	of	of	ADP
issue-1112	232	25	the	the	DET
issue-1112	232	26	address	address	NOUN
issue-1112	232	27	before	before	ADP
issue-1112	232	28	the	the	DET
issue-1112	232	29	hurricane	hurricane	NOUN
issue-1112	232	30	and	and	CCONJ
issue-1112	232	31	after	after	ADV
issue-1112	232	32	.	.	PUNCT
issue-1112	233	1	this	this	PRON
issue-1112	233	2	allows	allow	VERB
issue-1112	233	3	members	member	NOUN
issue-1112	233	4	the	the	DET
issue-1112	233	5	ability	ability	NOUN
issue-1112	233	6	to	to	PART
issue-1112	233	7	remotely	remotely	ADV
issue-1112	233	8	search	search	VERB
issue-1112	233	9	and	and	CCONJ
issue-1112	233	10	view	view	VERB
issue-1112	233	11	damage	damage	NOUN
issue-1112	233	12	to	to	ADP
issue-1112	233	13	their	their	PRON
issue-1112	233	14	homes	home	NOUN
issue-1112	233	15	,	,	PUNCT
issue-1112	233	16	regardless	regardless	ADV
issue-1112	233	17	of	of	ADP
issue-1112	233	18	if	if	SCONJ
issue-1112	233	19	they	they	PRON
issue-1112	233	20	were	be	AUX
issue-1112	233	21	able	able	ADJ
issue-1112	233	22	to	to	PART
issue-1112	233	23	return	return	VERB
issue-1112	233	24	to	to	ADP
issue-1112	233	25	their	their	PRON
issue-1112	233	26	homes	home	NOUN
issue-1112	233	27	to	to	PART
issue-1112	233	28	assess	assess	VERB
issue-1112	233	29	damage	damage	NOUN
issue-1112	233	30	.	.	PUNCT
issue-1112	234	1	2019	2019	NUM
issue-1112	234	2	jumo	jumo	NOUN
issue-1112	234	3	(	(	PUNCT
issue-1112	234	4	south	south	PROPN
issue-1112	234	5	africa	africa	PROPN
issue-1112	234	6	)	)	PUNCT
issue-1112	234	7	jumo	jumo	PROPN
issue-1112	234	8	platform	platform	PROPN
issue-1112	234	9	.	.	PUNCT
issue-1112	235	1	jumo	jumo	PROPN
issue-1112	235	2	offers	offer	VERB
issue-1112	235	3	traditionally	traditionally	ADV
issue-1112	235	4	hard	hard	ADJ
issue-1112	235	5	-	-	PUNCT
issue-1112	235	6	to	to	PART
issue-1112	235	7	-	-	PUNCT
issue-1112	235	8	reach	reach	VERB
issue-1112	235	9	customers	customer	NOUN
issue-1112	235	10	a	a	DET
issue-1112	235	11	range	range	NOUN
issue-1112	235	12	of	of	ADP
issue-1112	235	13	instant	instant	ADJ
issue-1112	235	14	,	,	PUNCT
issue-1112	235	15	affordable	affordable	ADJ
issue-1112	235	16	,	,	PUNCT
issue-1112	235	17	high	high	ADJ
issue-1112	235	18	-	-	PUNCT
issue-1112	235	19	quality	quality	NOUN
issue-1112	235	20	borrowing	borrowing	NOUN
issue-1112	235	21	choices	choice	NOUN
issue-1112	235	22	via	via	ADP
issue-1112	235	23	mobile	mobile	ADJ
issue-1112	235	24	phonejumo	phonejumo	NOUN
issue-1112	235	25	uses	use	VERB
issue-1112	235	26	individual	individual	ADJ
issue-1112	235	27	data	datum	NOUN
issue-1112	235	28	to	to	ADP
issue-1112	235	29	structure	structure	NOUN
issue-1112	235	30	and	and	CCONJ
issue-1112	235	31	fit	fit	ADJ
issue-1112	235	32	products	product	NOUN
issue-1112	235	33	to	to	PART
issue-1112	235	34	suit	suit	VERB
issue-1112	235	35	the	the	DET
issue-1112	235	36	customer	customer	NOUN
issue-1112	235	37	’s	’s	PART
issue-1112	235	38	needs	need	NOUN
issue-1112	235	39	.	.	PUNCT
issue-1112	236	1	sophisticated	sophisticated	ADJ
issue-1112	236	2	data	datum	NOUN
issue-1112	236	3	prediction	prediction	NOUN
issue-1112	236	4	and	and	CCONJ
issue-1112	236	5	credit	credit	NOUN
issue-1112	236	6	scoring	scoring	NOUN
issue-1112	236	7	methods	method	NOUN
issue-1112	236	8	allow	allow	VERB
issue-1112	236	9	jumo	jumo	PROPN
issue-1112	236	10	to	to	PART
issue-1112	236	11	leapfrog	leapfrog	VERB
issue-1112	236	12	prohibitive	prohibitive	ADJ
issue-1112	236	13	operational	operational	ADJ
issue-1112	236	14	and	and	CCONJ
issue-1112	236	15	risk	risk	NOUN
issue-1112	236	16	costs	cost	NOUN
issue-1112	236	17	.	.	PUNCT
issue-1112	237	1	source	source	NOUN
issue-1112	237	2	:	:	PUNCT
issue-1112	237	3	systematized	systematize	VERB
issue-1112	237	4	by	by	ADP
issue-1112	237	5	the	the	DET
issue-1112	237	6	authors	author	NOUN
issue-1112	237	7	on	on	ADP
issue-1112	237	8	the	the	DET
issue-1112	237	9	basis	basis	NOUN
issue-1112	237	10	of	of	ADP
issue-1112	237	11	(	(	PUNCT
issue-1112	237	12	the	the	DET
issue-1112	237	13	bai	bai	PROPN
issue-1112	237	14	global	global	PROPN
issue-1112	237	15	innovation	innovation	PROPN
issue-1112	237	16	awards	award	NOUN
issue-1112	237	17	,	,	PUNCT
issue-1112	237	18	2021	2021	NUM
issue-1112	237	19	)	)	PUNCT
issue-1112	237	20	baltic	baltic	ADJ
issue-1112	237	21	journal	journal	NOUN
issue-1112	237	22	of	of	ADP
issue-1112	237	23	economic	economic	ADJ
issue-1112	237	24	studies	study	NOUN
issue-1112	237	25	197	197	NUM
issue-1112	237	26	vol	vol	NOUN
issue-1112	237	27	.	.	PROPN
issue-1112	237	28	7	7	NUM
issue-1112	238	1	no	no	NOUN
issue-1112	238	2	.	.	NOUN
issue-1112	238	3	2	2	NUM
issue-1112	238	4	,	,	PUNCT
issue-1112	238	5	2021	2021	NUM
issue-1112	238	6	2015–2019	2015–2019	NUM
issue-1112	238	7	were	be	AUX
issue-1112	238	8	:	:	PUNCT
issue-1112	238	9	denizbank	denizbank	X
issue-1112	238	10	(	(	PUNCT
issue-1112	238	11	turkey	turkey	PROPN
issue-1112	238	12	)	)	PUNCT
issue-1112	238	13	,	,	PUNCT
issue-1112	239	1	alior	alior	PROPN
issue-1112	239	2	bank	bank	PROPN
issue-1112	239	3	s.a	s.a	PROPN
issue-1112	239	4	.	.	PROPN
issue-1112	239	5	,	,	PUNCT
issue-1112	239	6	live	live	PROPN
issue-1112	239	7	oak	oak	PROPN
issue-1112	239	8	bank	bank	PROPN
issue-1112	239	9	(	(	PUNCT
issue-1112	239	10	wilmington	wilmington	PROPN
issue-1112	239	11	,	,	PUNCT
issue-1112	239	12	nc	nc	PROPN
issue-1112	239	13	,	,	PUNCT
issue-1112	239	14	usa	usa	PROPN
issue-1112	239	15	)	)	PUNCT
issue-1112	239	16	and	and	CCONJ
issue-1112	239	17	citi	citi	PROPN
issue-1112	239	18	ventures	ventures	PROPN
issue-1112	239	19	(	(	PUNCT
issue-1112	239	20	usa	usa	PROPN
issue-1112	239	21	)	)	PUNCT
issue-1112	239	22	(	(	PUNCT
issue-1112	239	23	table	table	NOUN
issue-1112	239	24	5	5	NUM
issue-1112	239	25	)	)	PUNCT
issue-1112	239	26	.	.	PUNCT
issue-1112	240	1	according	accord	VERB
issue-1112	240	2	to	to	ADP
issue-1112	240	3	the	the	DET
issue-1112	240	4	results	result	NOUN
issue-1112	240	5	of	of	ADP
issue-1112	240	6	the	the	DET
issue-1112	240	7	finals	final	NOUN
issue-1112	240	8	of	of	ADP
issue-1112	240	9	the	the	DET
issue-1112	240	10	bai	bai	PROPN
issue-1112	240	11	global	global	PROPN
issue-1112	240	12	innovation	innovation	PROPN
issue-1112	240	13	awards	award	NOUN
issue-1112	240	14	,	,	PUNCT
issue-1112	240	15	the	the	DET
issue-1112	240	16	finalists	finalist	NOUN
issue-1112	240	17	in	in	ADP
issue-1112	240	18	the	the	DET
issue-1112	240	19	nomination	nomination	NOUN
issue-1112	240	20	“	"	PUNCT
issue-1112	240	21	financial	financial	ADJ
issue-1112	240	22	innovation	innovation	NOUN
issue-1112	240	23	in	in	ADP
issue-1112	240	24	internal	internal	ADJ
issue-1112	240	25	process	process	NOUN
issue-1112	240	26	improvement	improvement	NOUN
issue-1112	240	27	”	"	PUNCT
issue-1112	240	28	,	,	PUNCT
issue-1112	240	29	5	5	NUM
issue-1112	240	30	banks	bank	NOUN
issue-1112	240	31	were	be	AUX
issue-1112	240	32	identified	identify	VERB
issue-1112	240	33	with	with	ADP
issue-1112	240	34	the	the	DET
issue-1112	240	35	following	follow	VERB
issue-1112	240	36	innovative	innovative	ADJ
issue-1112	240	37	developments	development	NOUN
issue-1112	240	38	:	:	PUNCT
issue-1112	240	39	–	–	PUNCT
issue-1112	240	40	caixabank	caixabank	PROPN
issue-1112	240	41	s.a	s.a	PROPN
issue-1112	240	42	.	.	PROPN
issue-1112	241	1	(	(	PUNCT
issue-1112	241	2	spain	spain	PROPN
issue-1112	241	3	)	)	PUNCT
issue-1112	241	4	–	–	PUNCT
issue-1112	241	5	this	this	DET
issue-1112	241	6	innovation	innovation	NOUN
issue-1112	241	7	seeks	seek	VERB
issue-1112	241	8	to	to	PART
issue-1112	241	9	offer	offer	VERB
issue-1112	241	10	customers	customer	NOUN
issue-1112	241	11	agile	agile	ADJ
issue-1112	241	12	mobility	mobility	NOUN
issue-1112	241	13	through	through	ADP
issue-1112	241	14	different	different	ADJ
issue-1112	241	15	products	product	NOUN
issue-1112	241	16	available	available	ADJ
issue-1112	241	17	at	at	ADP
issue-1112	241	18	caixabanknow	caixabanknow	NOUN
issue-1112	241	19	.	.	PUNCT
issue-1112	242	1	the	the	DET
issue-1112	242	2	mobility	mobility	NOUN
issue-1112	242	3	project	project	NOUN
issue-1112	242	4	mainly	mainly	ADV
issue-1112	242	5	has	have	VERB
issue-1112	242	6	an	an	DET
issue-1112	242	7	impact	impact	NOUN
issue-1112	242	8	on	on	ADP
issue-1112	242	9	the	the	DET
issue-1112	242	10	environment	environment	NOUN
issue-1112	242	11	and	and	CCONJ
issue-1112	242	12	on	on	ADP
issue-1112	242	13	the	the	DET
issue-1112	242	14	contracting	contracting	NOUN
issue-1112	242	15	of	of	ADP
issue-1112	242	16	products	product	NOUN
issue-1112	242	17	through	through	ADP
issue-1112	242	18	100	100	NUM
issue-1112	242	19	%	%	NOUN
issue-1112	242	20	digital	digital	ADJ
issue-1112	242	21	channels	channel	NOUN
issue-1112	242	22	,	,	PUNCT
issue-1112	242	23	which	which	PRON
issue-1112	242	24	are	be	AUX
issue-1112	242	25	very	very	ADV
issue-1112	242	26	necessary	necessary	ADJ
issue-1112	242	27	at	at	ADP
issue-1112	242	28	this	this	DET
issue-1112	242	29	time	time	NOUN
issue-1112	242	30	.	.	PUNCT
issue-1112	243	1	–	–	PUNCT
issue-1112	243	2	deniz	deniz	PROPN
issue-1112	243	3	bank	bank	PROPN
issue-1112	243	4	(	(	PUNCT
issue-1112	243	5	turkey	turkey	PROPN
issue-1112	243	6	)	)	PUNCT
issue-1112	243	7	–	–	PUNCT
issue-1112	243	8	the	the	DET
issue-1112	243	9	digital	digital	ADJ
issue-1112	243	10	scorecard	scorecard	NOUN
issue-1112	243	11	is	be	AUX
issue-1112	243	12	a	a	DET
issue-1112	243	13	broad	broad	ADJ
issue-1112	243	14	monitoring	monitoring	NOUN
issue-1112	243	15	system	system	NOUN
issue-1112	243	16	used	use	VERB
issue-1112	243	17	to	to	PART
issue-1112	243	18	evaluate	evaluate	VERB
issue-1112	243	19	employees	employee	NOUN
issue-1112	243	20	’	’	PART
issue-1112	243	21	performance	performance	NOUN
issue-1112	243	22	at	at	ADP
issue-1112	243	23	promoting	promote	VERB
issue-1112	243	24	the	the	DET
issue-1112	243	25	use	use	NOUN
issue-1112	243	26	of	of	ADP
issue-1112	243	27	digital	digital	ADJ
issue-1112	243	28	channels	channel	NOUN
issue-1112	243	29	to	to	ADP
issue-1112	243	30	customers	customer	NOUN
issue-1112	243	31	.	.	PUNCT
issue-1112	244	1	digital	digital	ADJ
issue-1112	244	2	scorecard	scorecard	NOUN
issue-1112	244	3	is	be	AUX
issue-1112	244	4	helping	help	VERB
issue-1112	244	5	the	the	DET
issue-1112	244	6	employees	employee	NOUN
issue-1112	244	7	to	to	PART
issue-1112	244	8	analyse	analyse	VERB
issue-1112	244	9	their	their	PRON
issue-1112	244	10	customers	customer	NOUN
issue-1112	244	11	’	'	PUNCT
issue-1112	244	12	daily	daily	ADV
issue-1112	244	13	-	-	PUNCT
issue-1112	244	14	weeklymonthly	weeklymonthly	ADV
issue-1112	244	15	transactions	transaction	NOUN
issue-1112	244	16	and	and	CCONJ
issue-1112	244	17	helping	help	VERB
issue-1112	244	18	them	they	PRON
issue-1112	244	19	to	to	PART
issue-1112	244	20	direct	direct	VERB
issue-1112	244	21	customers	customer	NOUN
issue-1112	244	22	to	to	ADP
issue-1112	244	23	the	the	DET
issue-1112	244	24	right	right	ADJ
issue-1112	244	25	digital	digital	ADJ
issue-1112	244	26	channel	channel	NOUN
issue-1112	244	27	vs.	vs.	ADP
issue-1112	244	28	having	have	VERB
issue-1112	244	29	them	they	PRON
issue-1112	244	30	use	use	VERB
issue-1112	244	31	physical	physical	ADJ
issue-1112	244	32	branches	branch	NOUN
issue-1112	244	33	.	.	PUNCT
issue-1112	245	1	this	this	PRON
issue-1112	245	2	only	only	ADV
issue-1112	245	3	helps	help	VERB
issue-1112	245	4	customers	customer	NOUN
issue-1112	245	5	reduce	reduce	VERB
issue-1112	245	6	time	time	NOUN
issue-1112	245	7	and	and	CCONJ
issue-1112	245	8	money	money	NOUN
issue-1112	245	9	spent	spend	VERB
issue-1112	245	10	,	,	PUNCT
issue-1112	245	11	but	but	CCONJ
issue-1112	245	12	also	also	ADV
issue-1112	245	13	helps	help	VERB
issue-1112	245	14	the	the	DET
issue-1112	245	15	branches	branch	NOUN
issue-1112	245	16	improve	improve	VERB
issue-1112	245	17	profitability	profitability	NOUN
issue-1112	245	18	due	due	ADP
issue-1112	245	19	to	to	ADP
issue-1112	245	20	increased	increase	VERB
issue-1112	245	21	use	use	NOUN
issue-1112	245	22	of	of	ADP
issue-1112	245	23	low	low	ADJ
issue-1112	245	24	cost	cost	NOUN
issue-1112	245	25	digital	digital	ADJ
issue-1112	245	26	channel	channel	NOUN
issue-1112	245	27	.	.	PUNCT
issue-1112	246	1	–	–	PUNCT
issue-1112	246	2	icici	icici	PROPN
issue-1112	246	3	bank	bank	PROPN
issue-1112	246	4	(	(	PUNCT
issue-1112	246	5	india	india	PROPN
issue-1112	246	6	)	)	PUNCT
issue-1112	246	7	,	,	PUNCT
issue-1112	246	8	optimus	optimus	PROPN
issue-1112	246	9	–	–	PUNCT
issue-1112	246	10	payment	payment	NOUN
issue-1112	246	11	invoicing	invoicing	NOUN
issue-1112	246	12	and	and	CCONJ
issue-1112	246	13	i	i	PROPN
issue-1112	246	14	d	d	PROPN
issue-1112	246	15	card	card	NOUN
issue-1112	246	16	issuance	issuance	NOUN
issue-1112	246	17	system	system	NOUN
issue-1112	246	18	is	be	AUX
issue-1112	246	19	an	an	DET
issue-1112	246	20	online	online	ADJ
issue-1112	246	21	web	web	NOUN
issue-1112	246	22	-	-	PUNCT
issue-1112	246	23	based	base	VERB
issue-1112	246	24	platform	platform	NOUN
issue-1112	246	25	for	for	ADP
issue-1112	246	26	online	online	ADJ
issue-1112	246	27	invoicing	invoicing	NOUN
issue-1112	246	28	for	for	ADP
issue-1112	246	29	payment	payment	NOUN
issue-1112	246	30	disbursement	disbursement	NOUN
issue-1112	246	31	,	,	PUNCT
issue-1112	246	32	esigned	esigne	VERB
issue-1112	246	33	invoices	invoice	NOUN
issue-1112	246	34	submission	submission	NOUN
issue-1112	246	35	,	,	PUNCT
issue-1112	246	36	ndc	ndc	NOUN
issue-1112	246	37	submission	submission	NOUN
issue-1112	246	38	,	,	PUNCT
issue-1112	246	39	i	i	PROPN
issue-1112	246	40	d	d	PROPN
issue-1112	246	41	card	card	NOUN
issue-1112	246	42	issuance	issuance	NOUN
issue-1112	246	43	request	request	NOUN
issue-1112	246	44	,	,	PUNCT
issue-1112	246	45	two	two	NUM
issue-1112	246	46	-	-	PUNCT
issue-1112	246	47	way	way	NOUN
issue-1112	246	48	digital	digital	ADJ
issue-1112	246	49	communication	communication	NOUN
issue-1112	246	50	for	for	ADP
issue-1112	246	51	our	our	PRON
issue-1112	246	52	outsourced	outsourced	ADJ
issue-1112	246	53	agencies	agency	NOUN
issue-1112	246	54	,	,	PUNCT
issue-1112	246	55	online	online	ADV
issue-1112	246	56	profile	profile	NOUN
issue-1112	246	57	updating	updating	NOUN
issue-1112	246	58	,	,	PUNCT
issue-1112	246	59	submission	submission	NOUN
issue-1112	246	60	of	of	ADP
issue-1112	246	61	kyc	kyc	PROPN
issue-1112	246	62	documents	document	NOUN
issue-1112	246	63	and	and	CCONJ
issue-1112	246	64	a	a	DET
issue-1112	246	65	declaration	declaration	NOUN
issue-1112	246	66	collection	collection	NOUN
issue-1112	246	67	medium	medium	NOUN
issue-1112	246	68	from	from	ADP
issue-1112	246	69	vendors	vendor	NOUN
issue-1112	246	70	.	.	PUNCT
issue-1112	247	1	online	online	PROPN
issue-1112	247	2	i	i	PROPN
issue-1112	247	3	d	d	PROPN
issue-1112	247	4	card	card	NOUN
issue-1112	247	5	issuance	issuance	NOUN
issue-1112	247	6	is	be	AUX
issue-1112	247	7	an	an	DET
issue-1112	247	8	industry	industry	NOUN
issue-1112	247	9	first	first	ADV
issue-1112	247	10	and	and	CCONJ
issue-1112	247	11	is	be	AUX
issue-1112	247	12	go	go	VERB
issue-1112	247	13	green	green	ADJ
issue-1112	247	14	initiative	initiative	NOUN
issue-1112	247	15	.	.	PUNCT
issue-1112	248	1	–	–	PUNCT
issue-1112	248	2	oneconnect	oneconnect	ADJ
issue-1112	248	3	smart	smart	ADJ
issue-1112	248	4	technology	technology	PROPN
issue-1112	248	5	co.	co.	PROPN
issue-1112	248	6	,	,	PUNCT
issue-1112	248	7	ltd	ltd	PROPN
issue-1112	248	8	.	.	PROPN
issue-1112	249	1	(	(	PUNCT
issue-1112	249	2	shen	shen	PROPN
issue-1112	249	3	zhen	zhen	PROPN
issue-1112	249	4	bank	bank	PROPN
issue-1112	249	5	)	)	PUNCT
issue-1112	249	6	(	(	PUNCT
issue-1112	249	7	china	china	PROPN
issue-1112	249	8	)	)	PUNCT
issue-1112	249	9	–	–	PUNCT
issue-1112	249	10	the	the	DET
issue-1112	249	11	smart	smart	ADJ
issue-1112	249	12	contract	contract	NOUN
issue-1112	249	13	cloud	cloud	NOUN
issue-1112	249	14	platform	platform	NOUN
issue-1112	249	15	builds	build	VERB
issue-1112	249	16	a	a	DET
issue-1112	249	17	real	real	ADJ
issue-1112	249	18	-	-	PUNCT
issue-1112	249	19	time	time	NOUN
issue-1112	249	20	risk	risk	NOUN
issue-1112	249	21	prediction	prediction	NOUN
issue-1112	249	22	model	model	NOUN
issue-1112	249	23	based	base	VERB
issue-1112	249	24	on	on	ADP
issue-1112	249	25	the	the	DET
issue-1112	249	26	contract	contract	NOUN
issue-1112	249	27	risk	risk	NOUN
issue-1112	249	28	concern	concern	NOUN
issue-1112	249	29	tag	tag	NOUN
issue-1112	249	30	,	,	PUNCT
issue-1112	249	31	which	which	PRON
issue-1112	249	32	forecasts	forecast	VERB
issue-1112	249	33	the	the	DET
issue-1112	249	34	probability	probability	NOUN
issue-1112	249	35	of	of	ADP
issue-1112	249	36	contract	contract	NOUN
issue-1112	249	37	clause	clause	NOUN
issue-1112	249	38	default	default	NOUN
issue-1112	249	39	and	and	CCONJ
issue-1112	249	40	defines	define	VERB
issue-1112	249	41	the	the	DET
issue-1112	249	42	clause	clause	NOUN
issue-1112	249	43	risk	risk	NOUN
issue-1112	249	44	level	level	NOUN
issue-1112	249	45	.	.	PUNCT
issue-1112	250	1	simultaneously	simultaneously	ADV
issue-1112	250	2	,	,	PUNCT
issue-1112	250	3	it	it	PRON
issue-1112	250	4	interfaces	interface	VERB
issue-1112	250	5	with	with	ADP
issue-1112	250	6	external	external	ADJ
issue-1112	250	7	data	datum	NOUN
issue-1112	250	8	sources	source	NOUN
issue-1112	250	9	,	,	PUNCT
issue-1112	250	10	constructs	construct	VERB
issue-1112	250	11	a	a	DET
issue-1112	250	12	portrait	portrait	NOUN
issue-1112	250	13	of	of	ADP
issue-1112	250	14	the	the	DET
issue-1112	250	15	contract	contract	NOUN
issue-1112	250	16	subject	subject	NOUN
issue-1112	250	17	,	,	PUNCT
issue-1112	250	18	establishes	establish	VERB
issue-1112	250	19	mapping	mapping	NOUN
issue-1112	250	20	rules	rule	NOUN
issue-1112	250	21	,	,	PUNCT
issue-1112	250	22	generates	generate	VERB
issue-1112	250	23	risk	risk	NOUN
issue-1112	250	24	alerts	alert	NOUN
issue-1112	250	25	,	,	PUNCT
issue-1112	250	26	and	and	CCONJ
issue-1112	250	27	provides	provide	VERB
issue-1112	250	28	risk	risk	NOUN
issue-1112	250	29	warning	warning	NOUN
issue-1112	250	30	.	.	PUNCT
issue-1112	251	1	–	–	PUNCT
issue-1112	251	2	sberbank	sberbank	ADJ
issue-1112	251	3	(	(	PUNCT
issue-1112	251	4	russia	russia	PROPN
issue-1112	251	5	)	)	PUNCT
issue-1112	251	6	,	,	PUNCT
issue-1112	251	7	contact	contact	NOUN
issue-1112	251	8	center	center	NOUN
issue-1112	251	9	internal	internal	ADJ
issue-1112	251	10	improvement	improvement	NOUN
issue-1112	251	11	process	process	NOUN
issue-1112	251	12	–	–	PUNCT
issue-1112	251	13	an	an	DET
issue-1112	251	14	intelligent	intelligent	ADJ
issue-1112	251	15	quality	quality	NOUN
issue-1112	251	16	management	management	NOUN
issue-1112	251	17	system	system	NOUN
issue-1112	251	18	that	that	PRON
issue-1112	251	19	helps	help	VERB
issue-1112	251	20	to	to	PART
issue-1112	251	21	provide	provide	VERB
issue-1112	251	22	the	the	DET
issue-1112	251	23	highest	high	ADJ
issue-1112	251	24	quality	quality	NOUN
issue-1112	251	25	of	of	ADP
issue-1112	251	26	service	service	NOUN
issue-1112	251	27	to	to	ADP
issue-1112	251	28	customers	customer	NOUN
issue-1112	251	29	.	.	PUNCT
issue-1112	252	1	this	this	DET
issue-1112	252	2	system	system	NOUN
issue-1112	252	3	was	be	AUX
issue-1112	252	4	built	build	VERB
issue-1112	252	5	using	use	VERB
issue-1112	252	6	advanced	advanced	ADJ
issue-1112	252	7	technologies	technology	NOUN
issue-1112	252	8	and	and	CCONJ
issue-1112	252	9	proprietary	proprietary	ADJ
issue-1112	252	10	ai	ai	NOUN
issue-1112	252	11	-	-	PUNCT
issue-1112	252	12	based	base	VERB
issue-1112	252	13	modules	module	NOUN
issue-1112	252	14	,	,	PUNCT
issue-1112	252	15	which	which	PRON
issue-1112	252	16	help	help	VERB
issue-1112	252	17	the	the	DET
issue-1112	252	18	bank	bank	NOUN
issue-1112	252	19	to	to	PART
issue-1112	252	20	gather	gather	VERB
issue-1112	252	21	insights	insight	NOUN
issue-1112	252	22	and	and	CCONJ
issue-1112	252	23	to	to	PART
issue-1112	252	24	make	make	VERB
issue-1112	252	25	decisions	decision	NOUN
issue-1112	252	26	.	.	PUNCT
issue-1112	253	1	processing	processing	NOUN
issue-1112	253	2	and	and	CCONJ
issue-1112	253	3	storage	storage	NOUN
issue-1112	253	4	of	of	ADP
issue-1112	253	5	all	all	DET
issue-1112	253	6	data	datum	NOUN
issue-1112	253	7	takes	take	VERB
issue-1112	253	8	place	place	NOUN
issue-1112	253	9	in	in	ADP
issue-1112	253	10	the	the	DET
issue-1112	253	11	bank	bank	NOUN
issue-1112	253	12	’s	’s	PART
issue-1112	253	13	internal	internal	ADJ
issue-1112	253	14	circuit	circuit	NOUN
issue-1112	253	15	,	,	PUNCT
issue-1112	253	16	ensuring	ensure	VERB
issue-1112	253	17	a	a	DET
issue-1112	253	18	high	high	ADJ
issue-1112	253	19	level	level	NOUN
issue-1112	253	20	of	of	ADP
issue-1112	253	21	security	security	NOUN
issue-1112	253	22	.	.	PUNCT
issue-1112	254	1	6	6	NUM
issue-1112	254	2	.	.	X
issue-1112	254	3	conclusions	conclusion	NOUN
issue-1112	254	4	in	in	ADP
issue-1112	254	5	today	today	NOUN
issue-1112	254	6	’s	’s	PART
issue-1112	254	7	rapidly	rapidly	ADV
issue-1112	254	8	evolving	evolve	VERB
issue-1112	254	9	digitalization	digitalization	NOUN
issue-1112	254	10	processes	process	NOUN
issue-1112	254	11	,	,	PUNCT
issue-1112	254	12	financial	financial	ADJ
issue-1112	254	13	innovations	innovation	NOUN
issue-1112	254	14	play	play	VERB
issue-1112	254	15	an	an	DET
issue-1112	254	16	extremely	extremely	ADV
issue-1112	254	17	important	important	ADJ
issue-1112	254	18	role	role	NOUN
issue-1112	254	19	and	and	CCONJ
issue-1112	254	20	contribute	contribute	VERB
issue-1112	254	21	to	to	ADP
issue-1112	254	22	the	the	DET
issue-1112	254	23	economic	economic	ADJ
issue-1112	254	24	development	development	NOUN
issue-1112	254	25	of	of	ADP
issue-1112	254	26	table	table	NOUN
issue-1112	254	27	5	5	NUM
issue-1112	254	28	financial	financial	ADJ
issue-1112	254	29	innovation	innovation	NOUN
issue-1112	254	30	in	in	ADP
issue-1112	254	31	internal	internal	ADJ
issue-1112	254	32	process	process	NOUN
issue-1112	254	33	improvement	improvement	NOUN
issue-1112	254	34	year	year	NOUN
issue-1112	254	35	innovator	innovator	NOUN
issue-1112	254	36	innovation	innovation	NOUN
issue-1112	254	37	2015	2015	NUM
issue-1112	254	38	denizbank	denizbank	NOUN
issue-1112	254	39	(	(	PUNCT
issue-1112	254	40	turkey	turkey	NOUN
issue-1112	254	41	)	)	PUNCT
issue-1112	254	42	powerful	powerful	ADJ
issue-1112	254	43	teller	teller	NOUN
issue-1112	254	44	-	-	PUNCT
issue-1112	254	45	dashboard	dashboard	NOUN
issue-1112	254	46	:	:	PUNCT
issue-1112	254	47	enhancing	enhance	VERB
issue-1112	254	48	customer	customer	NOUN
issue-1112	254	49	experience	experience	NOUN
issue-1112	254	50	at	at	ADP
issue-1112	254	51	every	every	DET
issue-1112	254	52	contact	contact	NOUN
issue-1112	254	53	point	point	NOUN
issue-1112	254	54	.	.	PUNCT
issue-1112	255	1	denizbank	denizbank	PROPN
issue-1112	255	2	developed	develop	VERB
issue-1112	255	3	powerful	powerful	ADJ
issue-1112	255	4	teller	teller	NOUN
issue-1112	255	5	-	-	PUNCT
issue-1112	255	6	dashboard	dashboard	NOUN
issue-1112	255	7	to	to	PART
issue-1112	255	8	place	place	VERB
issue-1112	255	9	greater	great	ADJ
issue-1112	255	10	emphasis	emphasis	NOUN
issue-1112	255	11	and	and	CCONJ
issue-1112	255	12	importance	importance	NOUN
issue-1112	255	13	on	on	ADP
issue-1112	255	14	the	the	DET
issue-1112	255	15	customer	customer	NOUN
issue-1112	255	16	experience	experience	NOUN
issue-1112	255	17	at	at	ADP
issue-1112	255	18	every	every	DET
issue-1112	255	19	contact	contact	NOUN
issue-1112	255	20	point	point	NOUN
issue-1112	255	21	.	.	PUNCT
issue-1112	256	1	the	the	DET
issue-1112	256	2	platform	platform	NOUN
issue-1112	256	3	aligns	align	VERB
issue-1112	256	4	the	the	DET
issue-1112	256	5	customer	customer	NOUN
issue-1112	256	6	relationship	relationship	NOUN
issue-1112	256	7	management	management	NOUN
issue-1112	256	8	(	(	PUNCT
issue-1112	256	9	crm	crm	NOUN
issue-1112	256	10	)	)	PUNCT
issue-1112	256	11	strategies	strategy	NOUN
issue-1112	256	12	,	,	PUNCT
issue-1112	256	13	predictive	predictive	ADJ
issue-1112	256	14	analytics	analytic	NOUN
issue-1112	256	15	and	and	CCONJ
issue-1112	256	16	data	datum	NOUN
issue-1112	256	17	mining	mining	NOUN
issue-1112	256	18	analytics	analytic	NOUN
issue-1112	256	19	with	with	ADP
issue-1112	256	20	a	a	DET
issue-1112	256	21	user	user	NOUN
issue-1112	256	22	friendly	friendly	ADJ
issue-1112	256	23	intelligent	intelligent	ADJ
issue-1112	256	24	interface	interface	NOUN
issue-1112	256	25	.	.	PUNCT
issue-1112	257	1	2016	2016	NUM
issue-1112	257	2	alior	alior	PROPN
issue-1112	257	3	bank	bank	PROPN
issue-1112	257	4	s.a	s.a	PROPN
issue-1112	257	5	.	.	PROPN
issue-1112	257	6	smart	smart	ADJ
issue-1112	257	7	collect	collect	NOUN
issue-1112	257	8	–	–	PUNCT
issue-1112	257	9	intelligent	intelligent	ADJ
issue-1112	257	10	automated	automate	VERB
issue-1112	257	11	and	and	CCONJ
issue-1112	257	12	scenario	scenario	NOUN
issue-1112	257	13	-	-	PUNCT
issue-1112	257	14	based	base	VERB
issue-1112	257	15	process	process	NOUN
issue-1112	257	16	of	of	ADP
issue-1112	257	17	debt	debt	NOUN
issue-1112	257	18	collection	collection	NOUN
issue-1112	257	19	.	.	PUNCT
issue-1112	258	1	with	with	ADP
issue-1112	258	2	smart	smart	ADJ
issue-1112	258	3	collect	collect	NOUN
issue-1112	258	4	,	,	PUNCT
issue-1112	258	5	alior	alior	PROPN
issue-1112	258	6	bank	bank	NOUN
issue-1112	258	7	introduced	introduce	VERB
issue-1112	258	8	a	a	DET
issue-1112	258	9	sophisticated	sophisticated	ADJ
issue-1112	258	10	strategy	strategy	NOUN
issue-1112	258	11	of	of	ADP
issue-1112	258	12	debt	debt	NOUN
issue-1112	258	13	collection	collection	NOUN
issue-1112	258	14	that	that	PRON
issue-1112	258	15	is	be	AUX
issue-1112	258	16	supported	support	VERB
issue-1112	258	17	by	by	ADP
issue-1112	258	18	data	datum	NOUN
issue-1112	258	19	analysis	analysis	NOUN
issue-1112	258	20	tools	tool	NOUN
issue-1112	258	21	,	,	PUNCT
issue-1112	258	22	automated	automated	ADJ
issue-1112	258	23	generation	generation	NOUN
issue-1112	258	24	and	and	CCONJ
issue-1112	258	25	management	management	NOUN
issue-1112	258	26	of	of	ADP
issue-1112	258	27	client	client	NOUN
issue-1112	258	28	-	-	PUNCT
issue-1112	258	29	based	base	VERB
issue-1112	258	30	campaigns	campaign	NOUN
issue-1112	258	31	;	;	PUNCT
issue-1112	258	32	and	and	CCONJ
issue-1112	258	33	employing	employ	VERB
issue-1112	258	34	multiple	multiple	ADJ
issue-1112	258	35	contact	contact	NOUN
issue-1112	258	36	channels	channel	NOUN
issue-1112	258	37	tailored	tailor	VERB
issue-1112	258	38	to	to	ADP
issue-1112	258	39	each	each	DET
issue-1112	258	40	customer	customer	NOUN
issue-1112	258	41	,	,	PUNCT
issue-1112	258	42	including	include	VERB
issue-1112	258	43	ai	ai	PROPN
issue-1112	258	44	agents	agent	NOUN
issue-1112	258	45	used	use	VERB
issue-1112	258	46	for	for	ADP
issue-1112	258	47	contact	contact	NOUN
issue-1112	258	48	-	-	PUNCT
issue-1112	258	49	center	center	NOUN
issue-1112	258	50	campaigns	campaign	NOUN
issue-1112	258	51	.	.	PUNCT
issue-1112	259	1	2017	2017	NUM
issue-1112	259	2	denizbank	denizbank	NOUN
issue-1112	259	3	(	(	PUNCT
issue-1112	259	4	turkey	turkey	NOUN
issue-1112	259	5	)	)	PUNCT
issue-1112	259	6	intelligent	intelligent	ADJ
issue-1112	259	7	workforce	workforce	NOUN
issue-1112	259	8	management	management	NOUN
issue-1112	259	9	.	.	PUNCT
issue-1112	260	1	instead	instead	ADV
issue-1112	260	2	of	of	ADP
issue-1112	260	3	the	the	DET
issue-1112	260	4	siloed	siloed	ADJ
issue-1112	260	5	centralization	centralization	NOUN
issue-1112	260	6	of	of	ADP
issue-1112	260	7	operations	operation	NOUN
issue-1112	260	8	,	,	PUNCT
issue-1112	260	9	intelligent	intelligent	ADJ
issue-1112	260	10	workforce	workforce	NOUN
issue-1112	260	11	management	management	NOUN
issue-1112	260	12	effectively	effectively	ADV
issue-1112	260	13	prioritizes	prioritize	VERB
issue-1112	260	14	based	base	VERB
issue-1112	260	15	on	on	ADP
issue-1112	260	16	crm	crm	NOUN
issue-1112	260	17	techniques	technique	NOUN
issue-1112	260	18	.	.	PUNCT
issue-1112	261	1	it	it	PRON
issue-1112	261	2	makes	make	VERB
issue-1112	261	3	calculations	calculation	NOUN
issue-1112	261	4	based	base	VERB
issue-1112	261	5	on	on	ADP
issue-1112	261	6	comprehensive	comprehensive	ADJ
issue-1112	261	7	mathematical	mathematical	ADJ
issue-1112	261	8	models	model	NOUN
issue-1112	261	9	,	,	PUNCT
issue-1112	261	10	creates	create	VERB
issue-1112	261	11	automated	automate	VERB
issue-1112	261	12	and	and	CCONJ
issue-1112	261	13	competency	competency	NOUN
issue-1112	261	14	-	-	PUNCT
issue-1112	261	15	based	base	VERB
issue-1112	261	16	task	task	NOUN
issue-1112	261	17	assignments	assignment	NOUN
issue-1112	261	18	,	,	PUNCT
issue-1112	261	19	and	and	CCONJ
issue-1112	261	20	forecasts	forecast	NOUN
issue-1112	261	21	workload	workload	NOUN
issue-1112	261	22	balances	balance	NOUN
issue-1112	261	23	based	base	VERB
issue-1112	261	24	on	on	ADP
issue-1112	261	25	a	a	DET
issue-1112	261	26	variety	variety	NOUN
issue-1112	261	27	of	of	ADP
issue-1112	261	28	data	datum	NOUN
issue-1112	261	29	sources	source	NOUN
issue-1112	261	30	.	.	PUNCT
issue-1112	262	1	2018	2018	NUM
issue-1112	262	2	live	live	VERB
issue-1112	262	3	oak	oak	PROPN
issue-1112	262	4	bank	bank	PROPN
issue-1112	262	5	(	(	PUNCT
issue-1112	262	6	wilmington	wilmington	PROPN
issue-1112	262	7	,	,	PUNCT
issue-1112	262	8	nc	nc	PROPN
issue-1112	262	9	,	,	PUNCT
issue-1112	262	10	usa	usa	PROPN
issue-1112	262	11	)	)	PUNCT
issue-1112	262	12	cloud	cloud	NOUN
issue-1112	262	13	service	service	NOUN
issue-1112	262	14	operations	operation	NOUN
issue-1112	262	15	for	for	ADP
issue-1112	262	16	boundary	boundary	NOUN
issue-1112	262	17	-	-	PUNCT
issue-1112	262	18	less	less	ADJ
issue-1112	262	19	anytime	anytime	NOUN
issue-1112	262	20	-	-	PUNCT
issue-1112	262	21	anywhere	anywhere	NOUN
issue-1112	262	22	employee	employee	NOUN
issue-1112	262	23	enablement	enablement	NOUN
issue-1112	262	24	.	.	PUNCT
issue-1112	263	1	over	over	ADP
issue-1112	263	2	the	the	DET
issue-1112	263	3	course	course	NOUN
issue-1112	263	4	of	of	ADP
issue-1112	263	5	18	18	NUM
issue-1112	263	6	months	month	NOUN
issue-1112	263	7	,	,	PUNCT
issue-1112	263	8	live	live	ADJ
issue-1112	263	9	oak	oak	NOUN
issue-1112	263	10	bank	bank	NOUN
issue-1112	263	11	completely	completely	ADV
issue-1112	263	12	transitioned	transition	VERB
issue-1112	263	13	its	its	PRON
issue-1112	263	14	internal	internal	ADJ
issue-1112	263	15	it	it	PRON
issue-1112	263	16	infrastructure	infrastructure	NOUN
issue-1112	263	17	and	and	CCONJ
issue-1112	263	18	all	all	DET
issue-1112	263	19	applications	application	NOUN
issue-1112	263	20	to	to	ADP
issue-1112	263	21	a	a	DET
issue-1112	263	22	pure	pure	ADJ
issue-1112	263	23	microsoft	microsoft	PROPN
issue-1112	263	24	azure	azure	PROPN
issue-1112	263	25	cloud	cloud	PROPN
issue-1112	263	26	environment	environment	NOUN
issue-1112	263	27	,	,	PUNCT
issue-1112	263	28	empowering	empower	VERB
issue-1112	263	29	all	all	DET
issue-1112	263	30	employees	employee	NOUN
issue-1112	263	31	to	to	PART
issue-1112	263	32	serve	serve	VERB
issue-1112	263	33	customers	customer	NOUN
issue-1112	263	34	anytime	anytime	ADV
issue-1112	263	35	,	,	PUNCT
issue-1112	263	36	anywhere	anywhere	ADV
issue-1112	263	37	,	,	PUNCT
issue-1112	263	38	with	with	ADP
issue-1112	263	39	highly	highly	ADV
issue-1112	263	40	secure	secure	ADJ
issue-1112	263	41	yet	yet	ADV
issue-1112	263	42	intuitively	intuitively	ADV
issue-1112	263	43	accessible	accessible	ADJ
issue-1112	263	44	cloud	cloud	NOUN
issue-1112	263	45	applications	application	NOUN
issue-1112	263	46	.	.	PUNCT
issue-1112	264	1	employees	employee	NOUN
issue-1112	264	2	can	can	AUX
issue-1112	264	3	sign	sign	VERB
issue-1112	264	4	up	up	ADP
issue-1112	264	5	new	new	ADJ
issue-1112	264	6	customers	customer	NOUN
issue-1112	264	7	and	and	CCONJ
issue-1112	264	8	service	service	VERB
issue-1112	264	9	existing	exist	VERB
issue-1112	264	10	ones	one	NOUN
issue-1112	264	11	anywhere	anywhere	ADV
issue-1112	264	12	,	,	PUNCT
issue-1112	264	13	anytime	anytime	ADV
issue-1112	264	14	using	use	VERB
issue-1112	264	15	only	only	ADJ
issue-1112	264	16	laptops	laptop	NOUN
issue-1112	264	17	,	,	PUNCT
issue-1112	264	18	smartphones	smartphone	NOUN
issue-1112	264	19	and	and	CCONJ
issue-1112	264	20	the	the	DET
issue-1112	264	21	power	power	NOUN
issue-1112	264	22	of	of	ADP
issue-1112	264	23	the	the	DET
issue-1112	264	24	cloud	cloud	NOUN
issue-1112	264	25	to	to	PART
issue-1112	264	26	originate	originate	VERB
issue-1112	264	27	and	and	CCONJ
issue-1112	264	28	process	process	NOUN
issue-1112	264	29	loans	loan	NOUN
issue-1112	264	30	,	,	PUNCT
issue-1112	264	31	process	process	NOUN
issue-1112	264	32	deposits	deposit	NOUN
issue-1112	264	33	and	and	CCONJ
issue-1112	264	34	provide	provide	VERB
issue-1112	264	35	other	other	ADJ
issue-1112	264	36	banking	banking	NOUN
issue-1112	264	37	products	product	NOUN
issue-1112	264	38	and	and	CCONJ
issue-1112	264	39	services	service	NOUN
issue-1112	264	40	.	.	PUNCT
issue-1112	265	1	2019	2019	NUM
issue-1112	265	2	citi	citi	PROPN
issue-1112	265	3	ventures	ventures	PROPN
issue-1112	265	4	(	(	PUNCT
issue-1112	265	5	usa	usa	PROPN
issue-1112	265	6	)	)	PUNCT
issue-1112	265	7	proxymitysm	proxymitysm	NOUN
issue-1112	265	8	is	be	AUX
issue-1112	265	9	a	a	DET
issue-1112	265	10	new	new	ADJ
issue-1112	265	11	digital	digital	ADJ
issue-1112	265	12	proxy	proxy	NOUN
issue-1112	265	13	voting	voting	NOUN
issue-1112	265	14	platform	platform	NOUN
issue-1112	265	15	for	for	ADP
issue-1112	265	16	corporate	corporate	ADJ
issue-1112	265	17	shareholders	shareholder	NOUN
issue-1112	265	18	.	.	PUNCT
issue-1112	266	1	the	the	DET
issue-1112	266	2	platform	platform	NOUN
issue-1112	266	3	directly	directly	ADV
issue-1112	266	4	connects	connect	VERB
issue-1112	266	5	and	and	CCONJ
issue-1112	266	6	authenticates	authenticate	VERB
issue-1112	266	7	equity	equity	NOUN
issue-1112	266	8	issuers	issuer	NOUN
issue-1112	266	9	and	and	CCONJ
issue-1112	266	10	investors	investor	NOUN
issue-1112	266	11	and	and	CCONJ
issue-1112	266	12	makes	make	VERB
issue-1112	266	13	the	the	DET
issue-1112	266	14	voting	voting	NOUN
issue-1112	266	15	process	process	NOUN
issue-1112	266	16	more	more	ADV
issue-1112	266	17	efficient	efficient	ADJ
issue-1112	266	18	,	,	PUNCT
issue-1112	266	19	accurate	accurate	ADJ
issue-1112	266	20	and	and	CCONJ
issue-1112	266	21	transparent	transparent	ADJ
issue-1112	266	22	.	.	PUNCT
issue-1112	267	1	proxymity	proxymity	NOUN
issue-1112	267	2	provides	provide	VERB
issue-1112	267	3	real	real	ADJ
issue-1112	267	4	-	-	PUNCT
issue-1112	267	5	time	time	NOUN
issue-1112	267	6	transparency	transparency	NOUN
issue-1112	267	7	into	into	ADP
issue-1112	267	8	the	the	DET
issue-1112	267	9	voting	voting	NOUN
issue-1112	267	10	process	process	NOUN
issue-1112	267	11	,	,	PUNCT
issue-1112	267	12	allowing	allow	VERB
issue-1112	267	13	instant	instant	ADJ
issue-1112	267	14	amendment	amendment	NOUN
issue-1112	267	15	of	of	ADP
issue-1112	267	16	instructions	instruction	NOUN
issue-1112	267	17	and	and	CCONJ
issue-1112	267	18	much	much	ADJ
issue-1112	267	19	sought	seek	VERB
issue-1112	267	20	-	-	PUNCT
issue-1112	267	21	after	after	ADP
issue-1112	267	22	confirmation	confirmation	NOUN
issue-1112	267	23	that	that	SCONJ
issue-1112	267	24	votes	vote	NOUN
issue-1112	267	25	have	have	AUX
issue-1112	267	26	been	be	AUX
issue-1112	267	27	recorded	record	VERB
issue-1112	267	28	at	at	ADP
issue-1112	267	29	the	the	DET
issue-1112	267	30	annual	annual	ADJ
issue-1112	267	31	general	general	ADJ
issue-1112	267	32	meeting	meeting	NOUN
issue-1112	267	33	.	.	PUNCT
issue-1112	268	1	source	source	NOUN
issue-1112	268	2	:	:	PUNCT
issue-1112	268	3	systematized	systematize	VERB
issue-1112	268	4	by	by	ADP
issue-1112	268	5	the	the	DET
issue-1112	268	6	authors	author	NOUN
issue-1112	268	7	on	on	ADP
issue-1112	268	8	the	the	DET
issue-1112	268	9	basis	basis	NOUN
issue-1112	268	10	of	of	ADP
issue-1112	268	11	(	(	PUNCT
issue-1112	268	12	the	the	DET
issue-1112	268	13	bai	bai	PROPN
issue-1112	268	14	global	global	PROPN
issue-1112	268	15	innovation	innovation	PROPN
issue-1112	268	16	awards	award	NOUN
issue-1112	268	17	,	,	PUNCT
issue-1112	268	18	2021	2021	NUM
issue-1112	268	19	)	)	PUNCT
issue-1112	268	20	baltic	baltic	ADJ
issue-1112	268	21	journal	journal	NOUN
issue-1112	268	22	of	of	ADP
issue-1112	268	23	economic	economic	ADJ
issue-1112	268	24	studies	study	NOUN
issue-1112	268	25	198	198	NUM
issue-1112	268	26	vol	vol	NOUN
issue-1112	268	27	.	.	PROPN
issue-1112	268	28	7	7	NUM
issue-1112	269	1	no	no	NOUN
issue-1112	269	2	.	.	NOUN
issue-1112	269	3	2	2	NUM
issue-1112	269	4	,	,	PUNCT
issue-1112	269	5	2021	2021	NUM
issue-1112	269	6	countries	country	NOUN
issue-1112	269	7	.	.	PUNCT
issue-1112	270	1	banking	banking	NOUN
issue-1112	270	2	institutions	institution	NOUN
issue-1112	270	3	need	need	VERB
issue-1112	270	4	to	to	PART
issue-1112	270	5	concentrate	concentrate	VERB
issue-1112	270	6	their	their	PRON
issue-1112	270	7	potential	potential	NOUN
issue-1112	270	8	as	as	ADV
issue-1112	270	9	much	much	ADV
issue-1112	270	10	as	as	ADP
issue-1112	270	11	possible	possible	ADJ
issue-1112	270	12	on	on	ADP
issue-1112	270	13	identifying	identify	VERB
issue-1112	270	14	priority	priority	NOUN
issue-1112	270	15	digital	digital	ADJ
issue-1112	270	16	and	and	CCONJ
issue-1112	270	17	innovative	innovative	ADJ
issue-1112	270	18	initiatives	initiative	NOUN
issue-1112	270	19	,	,	PUNCT
issue-1112	270	20	taking	take	VERB
issue-1112	270	21	into	into	ADP
issue-1112	270	22	account	account	NOUN
issue-1112	270	23	current	current	ADJ
issue-1112	270	24	challenges	challenge	NOUN
issue-1112	270	25	and	and	CCONJ
issue-1112	270	26	threats	threat	NOUN
issue-1112	270	27	.	.	PUNCT
issue-1112	271	1	after	after	ADV
issue-1112	271	2	all	all	ADV
issue-1112	271	3	,	,	PUNCT
issue-1112	271	4	the	the	DET
issue-1112	271	5	effective	effective	ADJ
issue-1112	271	6	use	use	NOUN
issue-1112	271	7	of	of	ADP
issue-1112	271	8	specific	specific	ADJ
issue-1112	271	9	financial	financial	ADJ
issue-1112	271	10	innovations	innovation	NOUN
issue-1112	271	11	requires	require	VERB
issue-1112	271	12	extensive	extensive	ADJ
issue-1112	271	13	knowledge	knowledge	NOUN
issue-1112	271	14	of	of	ADP
issue-1112	271	15	the	the	DET
issue-1112	271	16	peculiarities	peculiarity	NOUN
issue-1112	271	17	of	of	ADP
issue-1112	271	18	their	their	PRON
issue-1112	271	19	operation	operation	NOUN
issue-1112	271	20	and	and	CCONJ
issue-1112	271	21	careful	careful	ADJ
issue-1112	271	22	analysis	analysis	NOUN
issue-1112	271	23	of	of	ADP
issue-1112	271	24	their	their	PRON
issue-1112	271	25	consequences	consequence	NOUN
issue-1112	271	26	.	.	PUNCT
issue-1112	272	1	an	an	DET
issue-1112	272	2	important	important	ADJ
issue-1112	272	3	element	element	NOUN
issue-1112	272	4	in	in	ADP
issue-1112	272	5	the	the	DET
issue-1112	272	6	process	process	NOUN
issue-1112	272	7	of	of	ADP
issue-1112	272	8	implementing	implement	VERB
issue-1112	272	9	financial	financial	ADJ
issue-1112	272	10	innovations	innovation	NOUN
issue-1112	272	11	is	be	AUX
issue-1112	272	12	the	the	DET
issue-1112	272	13	use	use	NOUN
issue-1112	272	14	of	of	ADP
issue-1112	272	15	a	a	DET
issue-1112	272	16	cross	cross	ADJ
issue-1112	272	17	-	-	ADJ
issue-1112	272	18	functional	functional	ADJ
issue-1112	272	19	approach	approach	NOUN
issue-1112	272	20	,	,	PUNCT
issue-1112	272	21	which	which	PRON
issue-1112	272	22	allows	allow	VERB
issue-1112	272	23	for	for	ADP
issue-1112	272	24	flexibility	flexibility	NOUN
issue-1112	272	25	and	and	CCONJ
issue-1112	272	26	the	the	DET
issue-1112	272	27	ability	ability	NOUN
issue-1112	272	28	to	to	PART
issue-1112	272	29	transform	transform	VERB
issue-1112	272	30	changes	change	NOUN
issue-1112	272	31	over	over	ADP
issue-1112	272	32	time	time	NOUN
issue-1112	272	33	.	.	PUNCT
issue-1112	273	1	given	give	VERB
issue-1112	273	2	the	the	DET
issue-1112	273	3	experience	experience	NOUN
issue-1112	273	4	of	of	ADP
issue-1112	273	5	the	the	DET
issue-1112	273	6	leading	lead	VERB
issue-1112	273	7	banking	banking	NOUN
issue-1112	273	8	institutions	institution	NOUN
issue-1112	273	9	that	that	PRON
issue-1112	273	10	actively	actively	ADV
issue-1112	273	11	implement	implement	VERB
issue-1112	273	12	innovative	innovative	ADJ
issue-1112	273	13	developments	development	NOUN
issue-1112	273	14	,	,	PUNCT
issue-1112	273	15	it	it	PRON
issue-1112	273	16	should	should	AUX
issue-1112	273	17	be	be	AUX
issue-1112	273	18	noted	note	VERB
issue-1112	273	19	that	that	SCONJ
issue-1112	273	20	along	along	ADP
issue-1112	273	21	with	with	ADP
issue-1112	273	22	the	the	DET
issue-1112	273	23	benefits	benefit	NOUN
issue-1112	273	24	,	,	PUNCT
issue-1112	273	25	financial	financial	ADJ
issue-1112	273	26	innovations	innovation	NOUN
issue-1112	273	27	can	can	AUX
issue-1112	273	28	bring	bring	VERB
issue-1112	273	29	new	new	ADJ
issue-1112	273	30	challenges	challenge	NOUN
issue-1112	273	31	and	and	CCONJ
issue-1112	273	32	threats	threat	NOUN
issue-1112	273	33	to	to	ADP
issue-1112	273	34	all	all	DET
issue-1112	273	35	participants	participant	NOUN
issue-1112	273	36	in	in	ADP
issue-1112	273	37	this	this	DET
issue-1112	273	38	process	process	NOUN
issue-1112	273	39	.	.	PUNCT
issue-1112	274	1	the	the	DET
issue-1112	274	2	authors	author	NOUN
issue-1112	274	3	prove	prove	VERB
issue-1112	274	4	that	that	SCONJ
issue-1112	274	5	radical	radical	ADJ
issue-1112	274	6	innovations	innovation	NOUN
issue-1112	274	7	can	can	AUX
issue-1112	274	8	displace	displace	VERB
issue-1112	274	9	the	the	DET
issue-1112	274	10	dominant	dominant	ADJ
issue-1112	274	11	business	business	NOUN
issue-1112	274	12	model	model	NOUN
issue-1112	274	13	or	or	CCONJ
issue-1112	274	14	technology	technology	NOUN
issue-1112	274	15	and	and	CCONJ
issue-1112	274	16	create	create	VERB
issue-1112	274	17	a	a	DET
issue-1112	274	18	new	new	ADJ
issue-1112	274	19	market	market	NOUN
issue-1112	274	20	.	.	PUNCT
issue-1112	275	1	the	the	DET
issue-1112	275	2	innovative	innovative	ADJ
issue-1112	275	3	developments	development	NOUN
issue-1112	275	4	of	of	ADP
issue-1112	275	5	banks	bank	NOUN
issue-1112	275	6	around	around	ADP
issue-1112	275	7	the	the	DET
issue-1112	275	8	world	world	NOUN
issue-1112	275	9	for	for	ADP
issue-1112	275	10	the	the	DET
issue-1112	275	11	period	period	NOUN
issue-1112	275	12	2015–2019	2015–2019	NUM
issue-1112	275	13	are	be	AUX
issue-1112	275	14	analysed	analyse	VERB
issue-1112	275	15	within	within	ADP
issue-1112	275	16	the	the	DET
issue-1112	275	17	article	article	NOUN
issue-1112	275	18	.	.	PUNCT
issue-1112	276	1	particularly	particularly	ADV
issue-1112	276	2	according	accord	VERB
issue-1112	276	3	to	to	ADP
issue-1112	276	4	the	the	DET
issue-1112	276	5	bai	bai	PROPN
issue-1112	276	6	global	global	PROPN
issue-1112	276	7	innovation	innovation	PROPN
issue-1112	276	8	awards	award	NOUN
issue-1112	276	9	the	the	DET
issue-1112	276	10	leading	lead	VERB
issue-1112	276	11	position	position	NOUN
issue-1112	276	12	in	in	ADP
issue-1112	276	13	the	the	DET
issue-1112	276	14	ranking	ranking	NOUN
issue-1112	276	15	“	"	PUNCT
issue-1112	276	16	most	most	ADV
issue-1112	276	17	innovative	innovative	ADJ
issue-1112	276	18	financial	financial	ADJ
issue-1112	276	19	services	service	NOUN
issue-1112	276	20	organization	organization	NOUN
issue-1112	276	21	”	"	PUNCT
issue-1112	276	22	in	in	ADP
issue-1112	276	23	2019	2019	NUM
issue-1112	276	24	was	be	AUX
issue-1112	276	25	occupied	occupy	VERB
issue-1112	276	26	by	by	ADP
issue-1112	276	27	city	city	NOUN
issue-1112	276	28	ventures	venture	NOUN
issue-1112	276	29	(	(	PUNCT
issue-1112	276	30	usa	usa	PROPN
issue-1112	276	31	)	)	PUNCT
issue-1112	276	32	that	that	PRON
issue-1112	276	33	accelerates	accelerate	VERB
issue-1112	276	34	the	the	DET
issue-1112	276	35	adoption	adoption	NOUN
issue-1112	276	36	of	of	ADP
issue-1112	276	37	the	the	DET
issue-1112	276	38	new	new	ADJ
issue-1112	276	39	business	business	NOUN
issue-1112	276	40	models	model	NOUN
issue-1112	276	41	and	and	CCONJ
issue-1112	276	42	discovers	discover	VERB
issue-1112	276	43	new	new	ADJ
issue-1112	276	44	sources	source	NOUN
issue-1112	276	45	of	of	ADP
issue-1112	276	46	value	value	NOUN
issue-1112	276	47	by	by	ADP
issue-1112	276	48	exploring	explore	VERB
issue-1112	276	49	,	,	PUNCT
issue-1112	276	50	incubating	incubating	NOUN
issue-1112	276	51	,	,	PUNCT
issue-1112	276	52	and	and	CCONJ
issue-1112	276	53	investing	invest	VERB
issue-1112	276	54	in	in	ADP
issue-1112	276	55	new	new	ADJ
issue-1112	276	56	ideas	idea	NOUN
issue-1112	276	57	in	in	ADP
issue-1112	276	58	collaboration	collaboration	NOUN
issue-1112	276	59	with	with	ADP
issue-1112	276	60	the	the	DET
issue-1112	276	61	innovation	innovation	NOUN
issue-1112	276	62	ecosystem	ecosystem	NOUN
issue-1112	276	63	.	.	PUNCT
issue-1112	277	1	in	in	ADP
issue-1112	277	2	2019	2019	NUM
issue-1112	277	3	the	the	DET
issue-1112	277	4	chinese	chinese	ADJ
issue-1112	277	5	oneconnect	oneconnect	ADJ
issue-1112	277	6	financial	financial	PROPN
issue-1112	277	7	technology	technology	PROPN
issue-1112	277	8	co.	co.	PROPN
issue-1112	277	9	,	,	PUNCT
issue-1112	277	10	ltd	ltd	PROPN
issue-1112	277	11	has	have	AUX
issue-1112	277	12	implemented	implement	VERB
issue-1112	277	13	the	the	DET
issue-1112	277	14	fimax	fimax	ADJ
issue-1112	277	15	trade	trade	NOUN
issue-1112	277	16	finance	finance	NOUN
issue-1112	277	17	blockchain	blockchain	PROPN
issue-1112	277	18	network	network	PROPN
issue-1112	277	19	–	–	PUNCT
issue-1112	277	20	a	a	DET
issue-1112	277	21	blockchain	blockchain	NOUN
issue-1112	277	22	solution	solution	NOUN
issue-1112	277	23	that	that	PRON
issue-1112	277	24	aims	aim	VERB
issue-1112	277	25	to	to	PART
issue-1112	277	26	organically	organically	ADV
issue-1112	277	27	connect	connect	VERB
issue-1112	277	28	different	different	ADJ
issue-1112	277	29	parties	party	NOUN
issue-1112	277	30	in	in	ADP
issue-1112	277	31	trade	trade	NOUN
issue-1112	277	32	finance	finance	NOUN
issue-1112	277	33	(	(	PUNCT
issue-1112	277	34	the	the	DET
issue-1112	277	35	blockchain	blockchain	PROPN
issue-1112	277	36	architecture	architecture	NOUN
issue-1112	277	37	and	and	CCONJ
issue-1112	277	38	cryptography	cryptography	NOUN
issue-1112	277	39	solutions	solution	NOUN
issue-1112	277	40	within	within	ADP
issue-1112	277	41	this	this	DET
issue-1112	277	42	network	network	NOUN
issue-1112	277	43	allows	allow	VERB
issue-1112	277	44	to	to	ADP
issue-1112	277	45	all	all	DET
issue-1112	277	46	parties	party	NOUN
issue-1112	277	47	to	to	PART
issue-1112	277	48	finance	finance	VERB
issue-1112	277	49	and	and	CCONJ
issue-1112	277	50	exchange	exchange	NOUN
issue-1112	277	51	data	datum	NOUN
issue-1112	277	52	safely	safely	ADV
issue-1112	277	53	and	and	CCONJ
issue-1112	277	54	reliable	reliable	ADJ
issue-1112	277	55	while	while	SCONJ
issue-1112	277	56	preserving	preserve	VERB
issue-1112	277	57	full	full	ADJ
issue-1112	277	58	data	datum	NOUN
issue-1112	277	59	privacy	privacy	NOUN
issue-1112	277	60	)	)	PUNCT
issue-1112	277	61	.	.	PUNCT
issue-1112	278	1	modern	modern	ADJ
issue-1112	278	2	financial	financial	ADJ
issue-1112	278	3	innovation	innovation	NOUN
issue-1112	278	4	have	have	VERB
issue-1112	278	5	societal	societal	ADJ
issue-1112	278	6	and	and	CCONJ
issue-1112	278	7	community	community	NOUN
issue-1112	278	8	impact	impact	NOUN
issue-1112	278	9	,	,	PUNCT
issue-1112	278	10	for	for	ADP
issue-1112	278	11	instance	instance	NOUN
issue-1112	278	12	,	,	PUNCT
issue-1112	278	13	in	in	ADP
issue-1112	278	14	2019	2019	NUM
issue-1112	278	15	jumo	jumo	NOUN
issue-1112	278	16	(	(	PUNCT
issue-1112	278	17	south	south	PROPN
issue-1112	278	18	africa	africa	PROPN
issue-1112	278	19	)	)	PUNCT
issue-1112	278	20	offered	offer	VERB
issue-1112	278	21	a	a	DET
issue-1112	278	22	range	range	NOUN
issue-1112	278	23	of	of	ADP
issue-1112	278	24	instant	instant	ADJ
issue-1112	278	25	,	,	PUNCT
issue-1112	278	26	affordable	affordable	ADJ
issue-1112	278	27	,	,	PUNCT
issue-1112	278	28	high	high	ADJ
issue-1112	278	29	-	-	PUNCT
issue-1112	278	30	quality	quality	NOUN
issue-1112	278	31	borrowing	borrowing	NOUN
issue-1112	278	32	choices	choice	NOUN
issue-1112	278	33	via	via	ADP
issue-1112	278	34	mobile	mobile	ADJ
issue-1112	278	35	phone	phone	NOUN
issue-1112	278	36	to	to	ADP
issue-1112	278	37	the	the	DET
issue-1112	278	38	group	group	NOUN
issue-1112	278	39	of	of	ADP
issue-1112	278	40	customers	customer	NOUN
issue-1112	278	41	who	who	PRON
issue-1112	278	42	are	be	AUX
issue-1112	278	43	traditionally	traditionally	ADV
issue-1112	278	44	determined	determined	ADJ
issue-1112	278	45	as	as	ADP
issue-1112	278	46	hard	hard	ADJ
issue-1112	278	47	-	-	PUNCT
issue-1112	278	48	to	to	PART
issue-1112	278	49	-	-	PUNCT
issue-1112	278	50	reach	reach	VERB
issue-1112	278	51	(	(	PUNCT
issue-1112	278	52	wherein	wherein	SCONJ
issue-1112	278	53	the	the	DET
issue-1112	278	54	prohibitive	prohibitive	ADJ
issue-1112	278	55	operational	operational	ADJ
issue-1112	278	56	and	and	CCONJ
issue-1112	278	57	risk	risk	NOUN
issue-1112	278	58	costs	cost	NOUN
issue-1112	278	59	are	be	AUX
issue-1112	278	60	leapfrogged	leapfrog	VERB
issue-1112	278	61	by	by	ADP
issue-1112	278	62	the	the	DET
issue-1112	278	63	jumo	jumo	PROPN
issue-1112	278	64	through	through	ADP
issue-1112	278	65	implementation	implementation	NOUN
issue-1112	278	66	of	of	ADP
issue-1112	278	67	sophisticated	sophisticated	ADJ
issue-1112	278	68	methods	method	NOUN
issue-1112	278	69	of	of	ADP
issue-1112	278	70	data	datum	NOUN
issue-1112	278	71	prediction	prediction	NOUN
issue-1112	278	72	and	and	CCONJ
issue-1112	278	73	credit	credit	NOUN
issue-1112	278	74	scoring	scoring	NOUN
issue-1112	278	75	)	)	PUNCT
issue-1112	278	76	.	.	PUNCT
issue-1112	279	1	the	the	DET
issue-1112	279	2	most	most	ADV
issue-1112	279	3	widespread	widespread	ADJ
issue-1112	279	4	application	application	NOUN
issue-1112	279	5	of	of	ADP
issue-1112	279	6	financial	financial	ADJ
issue-1112	279	7	innovations	innovation	NOUN
issue-1112	279	8	is	be	AUX
issue-1112	279	9	traditionally	traditionally	ADV
issue-1112	279	10	in	in	ADP
issue-1112	279	11	the	the	DET
issue-1112	279	12	internal	internal	ADJ
issue-1112	279	13	process	process	NOUN
issue-1112	279	14	improvement	improvement	NOUN
issue-1112	279	15	.	.	PUNCT
issue-1112	280	1	as	as	ADP
issue-1112	280	2	an	an	DET
issue-1112	280	3	example	example	NOUN
issue-1112	280	4	it	it	PRON
issue-1112	280	5	could	could	AUX
issue-1112	280	6	be	be	AUX
issue-1112	280	7	noted	note	VERB
issue-1112	280	8	the	the	DET
issue-1112	280	9	citi	citi	PROPN
issue-1112	280	10	ventures	ventures	PROPN
issue-1112	280	11	(	(	PUNCT
issue-1112	280	12	usa	usa	PROPN
issue-1112	280	13	)	)	PUNCT
issue-1112	280	14	that	that	PRON
issue-1112	280	15	developed	develop	VERB
issue-1112	280	16	the	the	DET
issue-1112	280	17	proxymitysm	proxymitysm	NOUN
issue-1112	280	18	–	–	PUNCT
issue-1112	280	19	the	the	DET
issue-1112	280	20	digital	digital	ADJ
issue-1112	280	21	proxy	proxy	NOUN
issue-1112	280	22	voting	voting	NOUN
issue-1112	280	23	platform	platform	NOUN
issue-1112	280	24	for	for	ADP
issue-1112	280	25	corporate	corporate	ADJ
issue-1112	280	26	shareholders	shareholder	NOUN
issue-1112	280	27	(	(	PUNCT
issue-1112	280	28	advantages	advantage	NOUN
issue-1112	280	29	of	of	ADP
issue-1112	280	30	this	this	DET
issue-1112	280	31	innovation	innovation	NOUN
issue-1112	280	32	:	:	PUNCT
issue-1112	280	33	directly	directly	ADV
issue-1112	280	34	connection	connection	NOUN
issue-1112	280	35	and	and	CCONJ
issue-1112	280	36	authentication	authentication	NOUN
issue-1112	280	37	of	of	ADP
issue-1112	280	38	equity	equity	NOUN
issue-1112	280	39	issuers	issuer	NOUN
issue-1112	280	40	and	and	CCONJ
issue-1112	280	41	investors	investor	NOUN
issue-1112	280	42	;	;	PUNCT
issue-1112	280	43	more	more	ADV
issue-1112	280	44	transparent	transparent	ADJ
issue-1112	280	45	,	,	PUNCT
issue-1112	280	46	efficient	efficient	ADJ
issue-1112	280	47	,	,	PUNCT
issue-1112	280	48	accurate	accurate	ADJ
issue-1112	280	49	,	,	PUNCT
issue-1112	280	50	real	real	ADJ
issue-1112	280	51	-	-	PUNCT
issue-1112	280	52	time	time	NOUN
issue-1112	280	53	voting	voting	NOUN
issue-1112	280	54	process	process	NOUN
issue-1112	280	55	;	;	PUNCT
issue-1112	280	56	etc	etc	X
issue-1112	280	57	.	.	X
issue-1112	280	58	)	)	PUNCT
issue-1112	280	59	.	.	PUNCT
issue-1112	281	1	the	the	DET
issue-1112	281	2	conducted	conduct	VERB
issue-1112	281	3	analyses	analysis	NOUN
issue-1112	281	4	showed	show	VERB
issue-1112	281	5	that	that	SCONJ
issue-1112	281	6	financial	financial	ADJ
issue-1112	281	7	innovations	innovation	NOUN
issue-1112	281	8	have	have	AUX
issue-1112	281	9	changed	change	VERB
issue-1112	281	10	their	their	PRON
issue-1112	281	11	nature	nature	NOUN
issue-1112	281	12	and	and	CCONJ
issue-1112	281	13	are	be	AUX
issue-1112	281	14	based	base	VERB
issue-1112	281	15	on	on	ADP
issue-1112	281	16	the	the	DET
issue-1112	281	17	latest	late	ADJ
issue-1112	281	18	digital	digital	ADJ
issue-1112	281	19	technologies	technology	NOUN
issue-1112	281	20	.	.	PUNCT
issue-1112	282	1	acknowledgments	acknowledgment	NOUN
issue-1112	282	2	.	.	PUNCT
issue-1112	283	1	this	this	DET
issue-1112	283	2	research	research	NOUN
issue-1112	283	3	is	be	AUX
issue-1112	283	4	carried	carry	VERB
issue-1112	283	5	out	out	ADP
issue-1112	283	6	within	within	ADP
issue-1112	283	7	the	the	DET
issue-1112	283	8	framework	framework	NOUN
issue-1112	283	9	of	of	ADP
issue-1112	283	10	the	the	DET
issue-1112	283	11	scientific	scientific	ADJ
issue-1112	283	12	project	project	NOUN
issue-1112	283	13	“	"	PUNCT
issue-1112	283	14	transformation	transformation	NOUN
issue-1112	283	15	of	of	ADP
issue-1112	283	16	households	household	NOUN
issue-1112	283	17	’	'	PUNCT
issue-1112	283	18	behaviour	behaviour	NOUN
issue-1112	283	19	in	in	ADP
issue-1112	283	20	the	the	DET
issue-1112	283	21	financial	financial	ADJ
issue-1112	283	22	services	service	NOUN
issue-1112	283	23	market	market	NOUN
issue-1112	283	24	in	in	ADP
issue-1112	283	25	the	the	DET
issue-1112	283	26	context	context	NOUN
issue-1112	283	27	of	of	ADP
issue-1112	283	28	digitalization	digitalization	NOUN
issue-1112	283	29	”	"	PUNCT
issue-1112	283	30	with	with	ADP
issue-1112	283	31	the	the	DET
issue-1112	283	32	support	support	NOUN
issue-1112	283	33	of	of	ADP
issue-1112	283	34	the	the	DET
issue-1112	283	35	ministry	ministry	PROPN
issue-1112	283	36	of	of	ADP
issue-1112	283	37	education	education	PROPN
issue-1112	283	38	and	and	CCONJ
issue-1112	283	39	science	science	NOUN
issue-1112	283	40	of	of	ADP
issue-1112	283	41	ukraine	ukraine	PROPN
issue-1112	283	42	.	.	PUNCT
issue-1112	284	1	references	reference	NOUN
issue-1112	284	2	:	:	PUNCT
issue-1112	284	3	al	al	PROPN
issue-1112	284	4	-	-	PUNCT
issue-1112	284	5	kaber	kaber	PROPN
issue-1112	284	6	,	,	PUNCT
issue-1112	284	7	m.	m.	NOUN
issue-1112	284	8	(	(	PUNCT
issue-1112	284	9	2010	2010	NUM
issue-1112	284	10	)	)	PUNCT
issue-1112	284	11	.	.	PUNCT
issue-1112	285	1	rynki	rynki	PROPN
issue-1112	285	2	finansowe	finansowe	PROPN
issue-1112	285	3	,	,	PUNCT
issue-1112	285	4	białystok	białystok	PROPN
issue-1112	285	5	:	:	PUNCT
issue-1112	285	6	wydawnictwo	wydawnictwo	PROPN
issue-1112	285	7	wyższej	wyższej	VERB
issue-1112	285	8	szkoły	szkoły	NOUN
issue-1112	285	9	ekonomicznej	ekonomicznej	PROPN
issue-1112	285	10	w	w	PROPN
issue-1112	285	11	białymstoku	białymstoku	PROPN
issue-1112	285	12	.	.	PUNCT
issue-1112	286	1	anderloni	anderloni	PROPN
issue-1112	286	2	,	,	PUNCT
issue-1112	286	3	l.	l.	PROPN
issue-1112	286	4	,	,	PUNCT
issue-1112	286	5	&	&	CCONJ
issue-1112	286	6	bongini	bongini	PROPN
issue-1112	286	7	,	,	PUNCT
issue-1112	286	8	p.	p.	NOUN
issue-1112	286	9	(	(	PUNCT
issue-1112	286	10	2009	2009	NUM
issue-1112	286	11	)	)	PUNCT
issue-1112	286	12	.	.	PUNCT
issue-1112	286	13	is	be	AUX
issue-1112	286	14	financial	financial	ADJ
issue-1112	286	15	innovation	innovation	NOUN
issue-1112	286	16	still	still	ADV
issue-1112	286	17	a	a	DET
issue-1112	286	18	relevant	relevant	ADJ
issue-1112	286	19	issue	issue	NOUN
issue-1112	286	20	?	?	PUNCT
issue-1112	287	1	in	in	ADP
issue-1112	287	2	l.	l.	PROPN
issue-1112	287	3	anderloni	anderloni	PROPN
issue-1112	287	4	,	,	PUNCT
issue-1112	287	5	d.	d.	PROPN
issue-1112	287	6	t.	t.	PROPN
issue-1112	287	7	llewellyn	llewellyn	PROPN
issue-1112	287	8	,	,	PUNCT
issue-1112	287	9	r.	r.	PROPN
issue-1112	287	10	h.	h.	PROPN
issue-1112	287	11	schmidt	schmidt	PROPN
issue-1112	287	12	(	(	PUNCT
issue-1112	287	13	ed	ed	NOUN
issue-1112	287	14	.	.	PUNCT
issue-1112	287	15	)	)	PUNCT
issue-1112	287	16	,	,	PUNCT
issue-1112	287	17	financial	financial	ADJ
issue-1112	287	18	innovation	innovation	NOUN
issue-1112	287	19	in	in	ADP
issue-1112	287	20	retail	retail	ADJ
issue-1112	287	21	and	and	CCONJ
issue-1112	287	22	corporate	corporate	ADJ
issue-1112	287	23	banking	banking	NOUN
issue-1112	287	24	,	,	PUNCT
issue-1112	287	25	cheltenham	cheltenham	PROPN
issue-1112	287	26	:	:	PUNCT
issue-1112	287	27	edward	edward	PROPN
issue-1112	287	28	elgar	elgar	PROPN
issue-1112	287	29	.	.	PUNCT
issue-1112	288	1	błach	błach	PROPN
issue-1112	288	2	,	,	PUNCT
issue-1112	288	3	joanna	joanna	PROPN
issue-1112	288	4	(	(	PUNCT
issue-1112	288	5	2011	2011	NUM
issue-1112	288	6	)	)	PUNCT
issue-1112	288	7	.	.	PUNCT
issue-1112	289	1	financial	financial	ADJ
issue-1112	289	2	innovations	innovation	NOUN
issue-1112	289	3	and	and	CCONJ
issue-1112	289	4	their	their	PRON
issue-1112	289	5	role	role	NOUN
issue-1112	289	6	in	in	ADP
issue-1112	289	7	the	the	DET
issue-1112	289	8	modern	modern	ADJ
issue-1112	289	9	financial	financial	ADJ
issue-1112	289	10	system	system	NOUN
issue-1112	289	11	-	-	PUNCT
issue-1112	289	12	identification	identification	NOUN
issue-1112	289	13	and	and	CCONJ
issue-1112	289	14	systematization	systematization	NOUN
issue-1112	289	15	of	of	ADP
issue-1112	289	16	the	the	DET
issue-1112	289	17	problem	problem	NOUN
issue-1112	289	18	.	.	PUNCT
issue-1112	290	1	e	e	X
issue-1112	290	2	-	-	NOUN
issue-1112	290	3	finanse	finanse	ADJ
issue-1112	290	4	:	:	PUNCT
issue-1112	290	5	financial	financial	ADJ
issue-1112	290	6	internet	internet	NOUN
issue-1112	290	7	quarterly	quarterly	ADV
issue-1112	290	8	,	,	PUNCT
issue-1112	290	9	7(3	7(3	NUM
issue-1112	290	10	)	)	PUNCT
issue-1112	290	11	,	,	PUNCT
issue-1112	290	12	13–26	13–26	NUM
issue-1112	290	13	.	.	PUNCT
issue-1112	290	14	butko	butko	PROPN
issue-1112	290	15	,	,	PUNCT
issue-1112	290	16	m.	m.	NOUN
issue-1112	290	17	,	,	PUNCT
issue-1112	290	18	popelo	popelo	ADJ
issue-1112	290	19	,	,	PUNCT
issue-1112	290	20	o.	o.	NOUN
issue-1112	290	21	,	,	PUNCT
issue-1112	290	22	&	&	CCONJ
issue-1112	290	23	pishenin	pishenin	PROPN
issue-1112	290	24	,	,	PUNCT
issue-1112	290	25	i.	i.	PROPN
issue-1112	290	26	(	(	PUNCT
issue-1112	290	27	2019	2019	NUM
issue-1112	290	28	)	)	PUNCT
issue-1112	290	29	.	.	PUNCT
issue-1112	291	1	innovations	innovation	NOUN
issue-1112	291	2	in	in	ADP
issue-1112	291	3	human	human	ADJ
issue-1112	291	4	resources	resource	NOUN
issue-1112	291	5	management	management	NOUN
issue-1112	291	6	in	in	ADP
issue-1112	291	7	the	the	DET
issue-1112	291	8	eurointegration	eurointegration	NOUN
issue-1112	291	9	conditions	condition	NOUN
issue-1112	291	10	:	:	PUNCT
issue-1112	291	11	case	case	NOUN
issue-1112	291	12	for	for	ADP
issue-1112	291	13	the	the	DET
issue-1112	291	14	ukrainian	ukrainian	ADJ
issue-1112	291	15	agro	agro	ADJ
issue-1112	291	16	-	-	PUNCT
issue-1112	291	17	industrial	industrial	ADJ
issue-1112	291	18	complex	complex	NOUN
issue-1112	291	19	.	.	PUNCT
issue-1112	292	1	marketing	marketing	NOUN
issue-1112	292	2	and	and	CCONJ
issue-1112	292	3	management	management	NOUN
issue-1112	292	4	of	of	ADP
issue-1112	292	5	innovations	innovation	NOUN
issue-1112	292	6	,	,	PUNCT
issue-1112	292	7	(	(	PUNCT
issue-1112	292	8	2	2	NUM
issue-1112	292	9	)	)	PUNCT
issue-1112	292	10	,	,	PUNCT
issue-1112	292	11	74–82	74–82	NUM
issue-1112	292	12	.	.	PUNCT
issue-1112	292	13	butko	butko	NOUN
issue-1112	292	14	,	,	PUNCT
issue-1112	292	15	m.	m.	NOUN
issue-1112	292	16	,	,	PUNCT
issue-1112	292	17	ivanova	ivanova	PROPN
issue-1112	292	18	,	,	PUNCT
issue-1112	292	19	n.	n.	NOUN
issue-1112	292	20	,	,	PUNCT
issue-1112	292	21	popelo	popelo	ADJ
issue-1112	292	22	,	,	PUNCT
issue-1112	292	23	o.	o.	NOUN
issue-1112	292	24	,	,	PUNCT
issue-1112	292	25	&	&	CCONJ
issue-1112	292	26	samiilenko	samiilenko	PROPN
issue-1112	292	27	,	,	PUNCT
issue-1112	292	28	g.	g.	PROPN
issue-1112	292	29	(	(	PUNCT
issue-1112	292	30	2020	2020	NUM
issue-1112	292	31	)	)	PUNCT
issue-1112	292	32	.	.	PUNCT
issue-1112	293	1	conceptual	conceptual	ADJ
issue-1112	293	2	foundations	foundation	NOUN
issue-1112	293	3	of	of	ADP
issue-1112	293	4	the	the	DET
issue-1112	293	5	regional	regional	ADJ
issue-1112	293	6	industrial	industrial	ADJ
issue-1112	293	7	cluster	cluster	NOUN
issue-1112	293	8	formation	formation	NOUN
issue-1112	293	9	based	base	VERB
issue-1112	293	10	on	on	ADP
issue-1112	293	11	the	the	DET
issue-1112	293	12	european	european	ADJ
issue-1112	293	13	experience	experience	NOUN
issue-1112	293	14	and	and	CCONJ
issue-1112	293	15	leading	lead	VERB
issue-1112	293	16	world	world	NOUN
issue-1112	293	17	tendencies	tendency	NOUN
issue-1112	293	18	.	.	PUNCT
issue-1112	294	1	financial	financial	ADJ
issue-1112	294	2	and	and	CCONJ
issue-1112	294	3	credit	credit	NOUN
issue-1112	294	4	activity	activity	NOUN
issue-1112	294	5	:	:	PUNCT
issue-1112	294	6	problems	problem	NOUN
issue-1112	294	7	of	of	ADP
issue-1112	294	8	theory	theory	NOUN
issue-1112	294	9	and	and	CCONJ
issue-1112	294	10	practice	practice	NOUN
issue-1112	294	11	,	,	PUNCT
issue-1112	294	12	1(32	1(32	NUM
issue-1112	294	13	)	)	PUNCT
issue-1112	294	14	,	,	PUNCT
issue-1112	294	15	319–329	319–329	NUM
issue-1112	294	16	.	.	PUNCT
issue-1112	295	1	chien	chien	PROPN
issue-1112	295	2	-	-	PUNCT
issue-1112	295	3	chiang	chiang	PROPN
issue-1112	295	4	,	,	PUNCT
issue-1112	295	5	lee	lee	PROPN
issue-1112	295	6	,	,	PUNCT
issue-1112	295	7	chih	chih	PROPN
issue-1112	295	8	-	-	PUNCT
issue-1112	295	9	wei	wei	PROPN
issue-1112	295	10	,	,	PUNCT
issue-1112	295	11	wang	wang	PROPN
issue-1112	295	12	,	,	PUNCT
issue-1112	295	13	&	&	CCONJ
issue-1112	295	14	shan	shan	PROPN
issue-1112	295	15	-	-	PUNCT
issue-1112	295	16	ju	ju	PROPN
issue-1112	295	17	ho	ho	PROPN
issue-1112	295	18	(	(	PUNCT
issue-1112	295	19	2020	2020	NUM
issue-1112	295	20	)	)	PUNCT
issue-1112	295	21	.	.	PUNCT
issue-1112	296	1	financial	financial	ADJ
issue-1112	296	2	innovation	innovation	NOUN
issue-1112	296	3	and	and	CCONJ
issue-1112	296	4	bank	bank	NOUN
issue-1112	296	5	growth	growth	NOUN
issue-1112	296	6	:	:	PUNCT
issue-1112	296	7	the	the	DET
issue-1112	296	8	role	role	NOUN
issue-1112	296	9	of	of	ADP
issue-1112	296	10	institutional	institutional	ADJ
issue-1112	296	11	environments	environment	NOUN
issue-1112	296	12	.	.	PUNCT
issue-1112	297	1	the	the	DET
issue-1112	297	2	north	north	ADJ
issue-1112	297	3	american	american	ADJ
issue-1112	297	4	journal	journal	PROPN
issue-1112	297	5	of	of	ADP
issue-1112	297	6	economics	economic	NOUN
issue-1112	297	7	and	and	CCONJ
issue-1112	297	8	finance	finance	NOUN
issue-1112	297	9	,	,	PUNCT
issue-1112	297	10	53	53	NUM
issue-1112	297	11	,	,	PUNCT
issue-1112	297	12	101195	101195	NUM
issue-1112	297	13	.	.	PUNCT
issue-1112	298	1	chrystalla	chrystalla	NOUN
issue-1112	298	2	,	,	PUNCT
issue-1112	298	3	kapetaniou	kapetaniou	NOUN
issue-1112	298	4	,	,	PUNCT
issue-1112	298	5	marios	marios	PROPN
issue-1112	298	6	samdanis	samdanis	NOUN
issue-1112	298	7	,	,	PUNCT
issue-1112	298	8	soo	soo	PROPN
issue-1112	298	9	hee	hee	PROPN
issue-1112	298	10	lee	lee	PROPN
issue-1112	298	11	.	.	PUNCT
issue-1112	299	1	(	(	PUNCT
issue-1112	299	2	2018	2018	NUM
issue-1112	299	3	)	)	PUNCT
issue-1112	299	4	.	.	PUNCT
issue-1112	300	1	innovation	innovation	NOUN
issue-1112	300	2	policies	policy	NOUN
issue-1112	300	3	of	of	ADP
issue-1112	300	4	cyprus	cyprus	PROPN
issue-1112	300	5	during	during	ADP
issue-1112	300	6	the	the	DET
issue-1112	300	7	global	global	ADJ
issue-1112	300	8	economic	economic	ADJ
issue-1112	300	9	crisis	crisis	NOUN
issue-1112	300	10	:	:	PUNCT
issue-1112	300	11	aligning	align	VERB
issue-1112	300	12	financial	financial	ADJ
issue-1112	300	13	institutions	institution	NOUN
issue-1112	300	14	with	with	ADP
issue-1112	300	15	national	national	ADJ
issue-1112	300	16	innovation	innovation	NOUN
issue-1112	300	17	system	system	NOUN
issue-1112	300	18	.	.	PUNCT
issue-1112	301	1	technological	technological	ADJ
issue-1112	301	2	forecasting	forecasting	NOUN
issue-1112	301	3	and	and	CCONJ
issue-1112	301	4	social	social	ADJ
issue-1112	301	5	change	change	NOUN
issue-1112	301	6	,	,	PUNCT
issue-1112	301	7	133	133	NUM
issue-1112	301	8	,	,	PUNCT
issue-1112	301	9	29–40	29–40	NUM
issue-1112	301	10	.	.	PUNCT
issue-1112	302	1	david	david	PROPN
issue-1112	302	2	w.	w.	PROPN
issue-1112	302	3	perkins	perkins	PROPN
issue-1112	302	4	(	(	PUNCT
issue-1112	302	5	2020	2020	NUM
issue-1112	302	6	)	)	PUNCT
issue-1112	302	7	.	.	PUNCT
issue-1112	303	1	fintech	fintech	NOUN
issue-1112	303	2	:	:	PUNCT
issue-1112	303	3	overview	overview	NOUN
issue-1112	303	4	of	of	ADP
issue-1112	303	5	innovative	innovative	ADJ
issue-1112	303	6	financial	financial	ADJ
issue-1112	303	7	technology	technology	NOUN
issue-1112	303	8	and	and	CCONJ
issue-1112	303	9	selected	select	VERB
issue-1112	303	10	policy	policy	NOUN
issue-1112	303	11	issues	issue	NOUN
issue-1112	303	12	.	.	PUNCT
issue-1112	304	1	congressional	congressional	ADJ
issue-1112	304	2	research	research	NOUN
issue-1112	304	3	service	service	NOUN
issue-1112	304	4	,	,	PUNCT
issue-1112	304	5	r46332	r46332	PROPN
issue-1112	304	6	.	.	PROPN
issue-1112	304	7	domingo	domingo	PROPN
issue-1112	304	8	garcía	garcía	ADJ
issue-1112	304	9	-	-	PUNCT
issue-1112	304	10	pérez	pérez	NOUN
issue-1112	304	11	-	-	PUNCT
issue-1112	304	12	de	de	NOUN
issue-1112	304	13	-	-	NOUN
issue-1112	304	14	lema	lema	ADV
issue-1112	304	15	,	,	PUNCT
issue-1112	304	16	daniel	daniel	PROPN
issue-1112	304	17	ruiz	ruiz	NOUN
issue-1112	304	18	-	-	PUNCT
issue-1112	304	19	palomo	palomo	NOUN
issue-1112	304	20	,	,	PUNCT
issue-1112	304	21	julio	julio	PROPN
issue-1112	304	22	diéguez	diéguez	PROPN
issue-1112	304	23	-	-	PUNCT
issue-1112	304	24	soto	soto	PROPN
issue-1112	304	25	(	(	PUNCT
issue-1112	304	26	2021	2021	NUM
issue-1112	304	27	)	)	PUNCT
issue-1112	304	28	.	.	PUNCT
issue-1112	305	1	analysing	analyse	VERB
issue-1112	305	2	the	the	DET
issue-1112	305	3	roles	role	NOUN
issue-1112	305	4	of	of	ADP
issue-1112	305	5	ceo	ceo	NOUN
issue-1112	305	6	’s	’s	PART
issue-1112	305	7	financial	financial	ADJ
issue-1112	305	8	literacy	literacy	NOUN
issue-1112	305	9	and	and	CCONJ
issue-1112	305	10	financial	financial	ADJ
issue-1112	305	11	constraints	constraint	NOUN
issue-1112	305	12	on	on	ADP
issue-1112	305	13	spanish	spanish	ADJ
issue-1112	305	14	smes	sme	NOUN
issue-1112	305	15	technological	technological	ADJ
issue-1112	305	16	innovation	innovation	NOUN
issue-1112	305	17	.	.	PUNCT
issue-1112	306	1	technology	technology	NOUN
issue-1112	306	2	in	in	ADP
issue-1112	306	3	society	society	NOUN
issue-1112	306	4	,	,	PUNCT
issue-1112	306	5	64	64	NUM
issue-1112	306	6	,	,	PUNCT
issue-1112	306	7	101519	101519	NUM
issue-1112	306	8	.	.	PUNCT
issue-1112	307	1	ebubekir	ebubekir	PROPN
issue-1112	307	2	mollaahmetoğlu	mollaahmetoğlu	PROPN
issue-1112	307	3	,	,	PUNCT
issue-1112	307	4	burçay	burçay	ADJ
issue-1112	307	5	yaşar	yaşar	ADJ
issue-1112	307	6	akçalı	akçalı	NOUN
issue-1112	307	7	(	(	PUNCT
issue-1112	307	8	2019	2019	NUM
issue-1112	307	9	)	)	PUNCT
issue-1112	307	10	.	.	PUNCT
issue-1112	308	1	the	the	DET
issue-1112	308	2	missing	miss	VERB
issue-1112	308	3	-	-	PUNCT
issue-1112	308	4	link	link	NOUN
issue-1112	308	5	between	between	ADP
issue-1112	308	6	financial	financial	ADJ
issue-1112	308	7	development	development	NOUN
issue-1112	308	8	and	and	CCONJ
issue-1112	308	9	economic	economic	ADJ
issue-1112	308	10	growth	growth	NOUN
issue-1112	308	11	:	:	PUNCT
issue-1112	308	12	financial	financial	ADJ
issue-1112	308	13	innovation	innovation	NOUN
issue-1112	308	14	.	.	PUNCT
issue-1112	309	1	procedia	procedia	PROPN
issue-1112	309	2	computer	computer	NOUN
issue-1112	309	3	science	science	NOUN
issue-1112	309	4	,	,	PUNCT
issue-1112	309	5	158	158	NUM
issue-1112	309	6	,	,	PUNCT
issue-1112	309	7	696–704	696–704	NUM
issue-1112	309	8	.	.	PUNCT
issue-1112	310	1	ekkert	ekkert	PROPN
issue-1112	310	2	,	,	PUNCT
issue-1112	310	3	m.	m.	NOUN
issue-1112	310	4	,	,	PUNCT
issue-1112	310	5	nestorenko	nestorenko	PROPN
issue-1112	310	6	,	,	PUNCT
issue-1112	310	7	o.	o.	PROPN
issue-1112	310	8	,	,	PUNCT
issue-1112	310	9	&	&	CCONJ
issue-1112	310	10	szynk	szynk	PROPN
issue-1112	310	11	,	,	PUNCT
issue-1112	310	12	m.	m.	NOUN
issue-1112	310	13	(	(	PUNCT
issue-1112	310	14	eds	ed	NOUN
issue-1112	310	15	.	.	PUNCT
issue-1112	310	16	)	)	PUNCT
issue-1112	310	17	(	(	PUNCT
issue-1112	310	18	2019	2019	NUM
issue-1112	310	19	)	)	PUNCT
issue-1112	310	20	.	.	PUNCT
issue-1112	311	1	modern	modern	ADJ
issue-1112	311	2	innovative	innovative	ADJ
issue-1112	311	3	and	and	CCONJ
issue-1112	311	4	information	information	NOUN
issue-1112	311	5	technologies	technology	NOUN
issue-1112	311	6	in	in	ADP
issue-1112	311	7	the	the	DET
issue-1112	311	8	development	development	NOUN
issue-1112	311	9	of	of	ADP
issue-1112	311	10	society	society	NOUN
issue-1112	311	11	.	.	PUNCT
issue-1112	312	1	wydawnictwo	wydawnictwo	PROPN
issue-1112	312	2	wyższej	wyższej	VERB
issue-1112	312	3	szkoły	szkoły	NOUN
issue-1112	312	4	technicznej	technicznej	PROPN
issue-1112	312	5	w	w	PROPN
issue-1112	312	6	katowicach	katowicach	PROPN
issue-1112	312	7	.	.	PUNCT
issue-1112	313	1	baltic	baltic	PROPN
issue-1112	313	2	journal	journal	PROPN
issue-1112	313	3	of	of	ADP
issue-1112	313	4	economic	economic	ADJ
issue-1112	313	5	studies	study	NOUN
issue-1112	313	6	199	199	NUM
issue-1112	313	7	vol	vol	NOUN
issue-1112	313	8	.	.	PROPN
issue-1112	314	1	7	7	NUM
issue-1112	314	2	no	no	NOUN
issue-1112	314	3	.	.	NOUN
issue-1112	314	4	2	2	NUM
issue-1112	314	5	,	,	PUNCT
issue-1112	314	6	2021	2021	NUM
issue-1112	314	7	fabozzi	fabozzi	NOUN
issue-1112	314	8	,	,	PUNCT
issue-1112	314	9	f.	f.	PROPN
issue-1112	314	10	j.	j.	PROPN
issue-1112	314	11	,	,	PUNCT
issue-1112	314	12	&	&	CCONJ
issue-1112	314	13	modigliani	modigliani	PROPN
issue-1112	314	14	,	,	PUNCT
issue-1112	314	15	f.	f.	PROPN
issue-1112	314	16	(	(	PUNCT
issue-1112	314	17	2003	2003	NUM
issue-1112	314	18	)	)	PUNCT
issue-1112	314	19	.	.	PUNCT
issue-1112	315	1	capital	capital	NOUN
issue-1112	315	2	markets	market	NOUN
issue-1112	315	3	.	.	PUNCT
issue-1112	316	1	institutions	institution	NOUN
issue-1112	316	2	and	and	CCONJ
issue-1112	316	3	instruments	instrument	NOUN
issue-1112	316	4	.	.	PUNCT
issue-1112	317	1	upper	upper	ADJ
issue-1112	317	2	saddle	saddle	PROPN
issue-1112	317	3	river	river	NOUN
issue-1112	317	4	:	:	PUNCT
issue-1112	317	5	pearson	pearson	PROPN
issue-1112	317	6	education	education	PROPN
issue-1112	317	7	international	international	PROPN
issue-1112	317	8	.	.	PUNCT
issue-1112	318	1	fedyshyn	fedyshyn	PROPN
issue-1112	318	2	,	,	PUNCT
issue-1112	318	3	m.	m.	PROPN
issue-1112	318	4	f.	f.	PROPN
issue-1112	318	5	,	,	PUNCT
issue-1112	318	6	abramova	abramova	PROPN
issue-1112	318	7	,	,	PUNCT
issue-1112	318	8	a.	a.	PROPN
issue-1112	318	9	s.	s.	PROPN
issue-1112	318	10	,	,	PUNCT
issue-1112	318	11	zhavoronok	zhavoronok	PROPN
issue-1112	318	12	,	,	PUNCT
issue-1112	318	13	v.	v.	ADV
issue-1112	318	14	,	,	PUNCT
issue-1112	318	15	&	&	CCONJ
issue-1112	318	16	marych	marych	ADJ
issue-1112	318	17	,	,	PUNCT
issue-1112	318	18	m.	m.	NOUN
issue-1112	318	19	g.	g.	PROPN
issue-1112	318	20	(	(	PUNCT
issue-1112	318	21	2019	2019	NUM
issue-1112	318	22	)	)	PUNCT
issue-1112	318	23	.	.	PUNCT
issue-1112	319	1	management	management	NOUN
issue-1112	319	2	of	of	ADP
issue-1112	319	3	competitiveness	competitiveness	NOUN
issue-1112	319	4	of	of	ADP
issue-1112	319	5	the	the	DET
issue-1112	319	6	banking	banking	NOUN
issue-1112	319	7	services	service	NOUN
issue-1112	319	8	.	.	PUNCT
issue-1112	320	1	financial	financial	ADJ
issue-1112	320	2	and	and	CCONJ
issue-1112	320	3	credit	credit	NOUN
issue-1112	320	4	activity	activity	NOUN
issue-1112	320	5	:	:	PUNCT
issue-1112	320	6	problems	problem	NOUN
issue-1112	320	7	of	of	ADP
issue-1112	320	8	theory	theory	NOUN
issue-1112	320	9	and	and	CCONJ
issue-1112	320	10	practice	practice	NOUN
issue-1112	320	11	,	,	PUNCT
issue-1112	320	12	1(28	1(28	NUM
issue-1112	320	13	)	)	PUNCT
issue-1112	320	14	,	,	PUNCT
issue-1112	320	15	64–74	64–74	NUM
issue-1112	320	16	.	.	PUNCT
issue-1112	321	1	doi	doi	NOUN
issue-1112	321	2	:	:	PUNCT
issue-1112	321	3	10.18371/	10.18371/	NUM
issue-1112	321	4	fcaptp.v1i28.163340	fcaptp.v1i28.163340	NUM
issue-1112	321	5	frame	frame	NOUN
issue-1112	321	6	,	,	PUNCT
issue-1112	321	7	w.	w.	PROPN
issue-1112	321	8	s.	s.	PROPN
issue-1112	321	9	,	,	PUNCT
issue-1112	321	10	&	&	CCONJ
issue-1112	321	11	white	white	PROPN
issue-1112	321	12	,	,	PUNCT
issue-1112	321	13	l.	l.	PROPN
issue-1112	321	14	j.	j.	PROPN
issue-1112	321	15	(	(	PUNCT
issue-1112	321	16	2009	2009	NUM
issue-1112	321	17	)	)	PUNCT
issue-1112	321	18	.	.	PUNCT
issue-1112	322	1	technological	technological	ADJ
issue-1112	322	2	change	change	NOUN
issue-1112	322	3	,	,	PUNCT
issue-1112	322	4	financial	financial	ADJ
issue-1112	322	5	innovation	innovation	NOUN
issue-1112	322	6	,	,	PUNCT
issue-1112	322	7	and	and	CCONJ
issue-1112	322	8	diffusion	diffusion	NOUN
issue-1112	322	9	in	in	ADP
issue-1112	322	10	banking	banking	NOUN
issue-1112	322	11	(	(	PUNCT
issue-1112	322	12	working	work	VERB
issue-1112	322	13	paper	paper	NOUN
issue-1112	322	14	2009	2009	NUM
issue-1112	322	15	-	-	SYM
issue-1112	322	16	10	10	NUM
issue-1112	322	17	)	)	PUNCT
issue-1112	322	18	.	.	PUNCT
issue-1112	323	1	atlanta	atlanta	PROPN
issue-1112	323	2	:	:	PUNCT
issue-1112	323	3	federal	federal	PROPN
issue-1112	323	4	reserve	reserve	PROPN
issue-1112	323	5	bank	bank	PROPN
issue-1112	323	6	of	of	ADP
issue-1112	323	7	atlanta	atlanta	PROPN
issue-1112	323	8	.	.	PUNCT
issue-1112	324	1	gang	gang	NOUN
issue-1112	324	2	-	-	PUNCT
issue-1112	324	3	jin	jin	PROPN
issue-1112	324	4	wang	wang	PROPN
issue-1112	324	5	,	,	PUNCT
issue-1112	324	6	yang	yang	PROPN
issue-1112	324	7	-	-	PUNCT
issue-1112	324	8	yang	yang	PROPN
issue-1112	324	9	chen	chen	PROPN
issue-1112	324	10	,	,	PUNCT
issue-1112	324	11	hui	hui	PROPN
issue-1112	324	12	-	-	PUNCT
issue-1112	324	13	bin	bin	PROPN
issue-1112	324	14	si	si	PROPN
issue-1112	324	15	,	,	PUNCT
issue-1112	324	16	chi	chi	PROPN
issue-1112	324	17	xie	xie	PROPN
issue-1112	324	18	,	,	PUNCT
issue-1112	324	19	&	&	CCONJ
issue-1112	324	20	julien	julien	PROPN
issue-1112	324	21	chevallier	chevallier	NOUN
issue-1112	324	22	(	(	PUNCT
issue-1112	324	23	2021	2021	NUM
issue-1112	324	24	)	)	PUNCT
issue-1112	324	25	.	.	PUNCT
issue-1112	325	1	multilayer	multilayer	ADJ
issue-1112	325	2	information	information	NOUN
issue-1112	325	3	spillover	spillover	VERB
issue-1112	325	4	networks	network	NOUN
issue-1112	325	5	analysis	analysis	NOUN
issue-1112	325	6	of	of	ADP
issue-1112	325	7	china	china	PROPN
issue-1112	325	8	’s	’s	PART
issue-1112	325	9	financial	financial	ADJ
issue-1112	325	10	institutions	institution	NOUN
issue-1112	325	11	based	base	VERB
issue-1112	325	12	on	on	ADP
issue-1112	325	13	variance	variance	NOUN
issue-1112	325	14	decompositions	decomposition	NOUN
issue-1112	325	15	.	.	PUNCT
issue-1112	326	1	international	international	ADJ
issue-1112	326	2	review	review	NOUN
issue-1112	326	3	of	of	ADP
issue-1112	326	4	economics	economics	PROPN
issue-1112	326	5	&	&	CCONJ
issue-1112	326	6	finance	finance	PROPN
issue-1112	326	7	,	,	PUNCT
issue-1112	326	8	73	73	NUM
issue-1112	326	9	,	,	PUNCT
issue-1112	326	10	325–347	325–347	NUM
issue-1112	326	11	.	.	PUNCT
issue-1112	327	1	hui	hui	PROPN
issue-1112	328	1	an	an	PRON
issue-1112	328	2	,	,	PUNCT
issue-1112	328	3	ruibo	ruibo	PROPN
issue-1112	328	4	yang	yang	PROPN
issue-1112	328	5	,	,	PUNCT
issue-1112	328	6	xuejiao	xuejiao	PROPN
issue-1112	328	7	ma	ma	PROPN
issue-1112	328	8	,	,	PUNCT
issue-1112	328	9	siqi	siqi	PROPN
issue-1112	328	10	zhang	zhang	PROPN
issue-1112	328	11	,	,	PUNCT
issue-1112	328	12	&	&	CCONJ
issue-1112	328	13	sardar	sardar	PROPN
issue-1112	328	14	 	 	SPACE
issue-1112	328	15	m.	m.	NOUN
issue-1112	328	16	 	 	SPACE
issue-1112	328	17	n.	n.	PROPN
issue-1112	328	18	 	 	SPACE
issue-1112	328	19	islam	islam	PROPN
issue-1112	328	20	(	(	PUNCT
issue-1112	328	21	2021	2021	NUM
issue-1112	328	22	)	)	PUNCT
issue-1112	328	23	.	.	PUNCT
issue-1112	329	1	an	an	DET
issue-1112	329	2	evolutionary	evolutionary	ADJ
issue-1112	329	3	game	game	NOUN
issue-1112	329	4	theory	theory	NOUN
issue-1112	329	5	model	model	NOUN
issue-1112	329	6	for	for	ADP
issue-1112	329	7	the	the	DET
issue-1112	329	8	inter	inter	NOUN
issue-1112	329	9	-	-	NOUN
issue-1112	329	10	relationships	relationship	NOUN
issue-1112	329	11	between	between	ADP
issue-1112	329	12	financial	financial	ADJ
issue-1112	329	13	regulation	regulation	NOUN
issue-1112	329	14	and	and	CCONJ
issue-1112	329	15	financial	financial	ADJ
issue-1112	329	16	innovation	innovation	NOUN
issue-1112	329	17	.	.	PUNCT
issue-1112	330	1	the	the	DET
issue-1112	330	2	north	north	ADJ
issue-1112	330	3	american	american	PROPN
issue-1112	330	4	journal	journal	PROPN
issue-1112	330	5	of	of	ADP
issue-1112	330	6	economics	economic	NOUN
issue-1112	330	7	and	and	CCONJ
issue-1112	330	8	finance	finance	NOUN
issue-1112	330	9	,	,	PUNCT
issue-1112	330	10	55	55	NUM
issue-1112	330	11	,	,	PUNCT
issue-1112	330	12	101341	101341	NUM
issue-1112	330	13	.	.	PUNCT
issue-1112	331	1	juliana	juliana	PROPN
issue-1112	331	2	albuquerquer	albuquerquer	PROPN
issue-1112	331	3	saliba	saliba	PROPN
issue-1112	331	4	de	de	PROPN
issue-1112	331	5	oliveira	oliveira	PROPN
issue-1112	331	6	,	,	PUNCT
issue-1112	331	7	leonardo	leonardo	PROPN
issue-1112	331	8	fernando	fernando	PROPN
issue-1112	331	9	cruz	cruz	PROPN
issue-1112	331	10	basso	basso	PROPN
issue-1112	331	11	,	,	PUNCT
issue-1112	331	12	herbert	herbert	PROPN
issue-1112	331	13	kimura	kimura	PROPN
issue-1112	331	14	,	,	PUNCT
issue-1112	331	15	&	&	CCONJ
issue-1112	331	16	vinicius	vinicius	PROPN
issue-1112	331	17	amorim	amorim	PROPN
issue-1112	331	18	sobreiro	sobreiro	PROPN
issue-1112	331	19	(	(	PUNCT
issue-1112	331	20	2018	2018	NUM
issue-1112	331	21	)	)	PUNCT
issue-1112	331	22	.	.	PUNCT
issue-1112	332	1	innovation	innovation	NOUN
issue-1112	332	2	and	and	CCONJ
issue-1112	332	3	financial	financial	ADJ
issue-1112	332	4	performance	performance	NOUN
issue-1112	332	5	of	of	ADP
issue-1112	332	6	companies	company	NOUN
issue-1112	332	7	doing	do	VERB
issue-1112	332	8	business	business	NOUN
issue-1112	332	9	in	in	ADP
issue-1112	332	10	brazil	brazil	PROPN
issue-1112	332	11	.	.	PUNCT
issue-1112	333	1	international	international	ADJ
issue-1112	333	2	journal	journal	PROPN
issue-1112	333	3	of	of	ADP
issue-1112	333	4	innovation	innovation	NOUN
issue-1112	333	5	studies	study	NOUN
issue-1112	333	6	,	,	PUNCT
issue-1112	333	7	2(4	2(4	NUM
issue-1112	333	8	)	)	PUNCT
issue-1112	333	9	,	,	PUNCT
issue-1112	333	10	153–164	153–164	NUM
issue-1112	333	11	.	.	PUNCT
issue-1112	334	1	katrin	katrin	PROPN
issue-1112	334	2	,	,	PUNCT
issue-1112	334	3	hahn	hahn	PROPN
issue-1112	334	4	(	(	PUNCT
issue-1112	334	5	2019	2019	NUM
issue-1112	334	6	)	)	PUNCT
issue-1112	334	7	.	.	PUNCT
issue-1112	335	1	innovation	innovation	NOUN
issue-1112	335	2	in	in	ADP
issue-1112	335	3	times	time	NOUN
issue-1112	335	4	of	of	ADP
issue-1112	335	5	financialization	financialization	NOUN
issue-1112	335	6	:	:	PUNCT
issue-1112	335	7	do	do	VERB
issue-1112	335	8	future	future	ADV
issue-1112	335	9	-	-	PUNCT
issue-1112	335	10	oriented	orient	VERB
issue-1112	335	11	innovation	innovation	NOUN
issue-1112	335	12	strategies	strategy	NOUN
issue-1112	335	13	suffer	suffer	VERB
issue-1112	335	14	?	?	PUNCT
issue-1112	336	1	examples	example	NOUN
issue-1112	336	2	from	from	ADP
issue-1112	336	3	german	german	ADJ
issue-1112	336	4	industry	industry	NOUN
issue-1112	336	5	.	.	PUNCT
issue-1112	337	1	research	research	NOUN
issue-1112	337	2	policy	policy	NOUN
issue-1112	337	3	,	,	PUNCT
issue-1112	337	4	48(4	48(4	NUM
issue-1112	337	5	)	)	PUNCT
issue-1112	337	6	,	,	PUNCT
issue-1112	337	7	923–935	923–935	NUM
issue-1112	337	8	.	.	PUNCT
issue-1112	338	1	kholiavko	kholiavko	PROPN
issue-1112	338	2	,	,	PUNCT
issue-1112	338	3	n.	n.	PROPN
issue-1112	338	4	(	(	PUNCT
issue-1112	338	5	2017	2017	NUM
issue-1112	338	6	)	)	PUNCT
issue-1112	338	7	.	.	PUNCT
issue-1112	339	1	systematization	systematization	NOUN
issue-1112	339	2	of	of	ADP
issue-1112	339	3	scientific	scientific	ADJ
issue-1112	339	4	approaches	approach	NOUN
issue-1112	339	5	to	to	ADP
issue-1112	339	6	the	the	DET
issue-1112	339	7	interpretation	interpretation	NOUN
issue-1112	339	8	of	of	ADP
issue-1112	339	9	information	information	NOUN
issue-1112	339	10	economy	economy	NOUN
issue-1112	339	11	.	.	PUNCT
issue-1112	340	1	baltic	baltic	PROPN
issue-1112	340	2	journal	journal	PROPN
issue-1112	340	3	of	of	ADP
issue-1112	340	4	economic	economic	ADJ
issue-1112	340	5	studies	study	NOUN
issue-1112	340	6	,	,	PUNCT
issue-1112	340	7	3(4	3(4	NUM
issue-1112	340	8	)	)	PUNCT
issue-1112	340	9	,	,	PUNCT
issue-1112	340	10	157–164	157–164	NUM
issue-1112	340	11	.	.	PUNCT
issue-1112	341	1	kosach	kosach	PROPN
issue-1112	341	2	,	,	PUNCT
issue-1112	341	3	i.	i.	PROPN
issue-1112	341	4	a.	a.	PROPN
issue-1112	341	5	,	,	PUNCT
issue-1112	341	6	zhavoronok	zhavoronok	PROPN
issue-1112	341	7	,	,	PUNCT
issue-1112	341	8	a.	a.	PROPN
issue-1112	341	9	v.	v.	PROPN
issue-1112	341	10	,	,	PUNCT
issue-1112	341	11	fedyshyn	fedyshyn	ADJ
issue-1112	341	12	,	,	PUNCT
issue-1112	341	13	m.	m.	PROPN
issue-1112	341	14	f.	f.	PROPN
issue-1112	341	15	,	,	PUNCT
issue-1112	341	16	&	&	CCONJ
issue-1112	341	17	abramova	abramova	PROPN
issue-1112	341	18	,	,	PUNCT
issue-1112	341	19	a.	a.	PROPN
issue-1112	341	20	s.	s.	PROPN
issue-1112	341	21	(	(	PUNCT
issue-1112	341	22	2019	2019	NUM
issue-1112	341	23	)	)	PUNCT
issue-1112	341	24	.	.	PUNCT
issue-1112	342	1	the	the	DET
issue-1112	342	2	role	role	NOUN
issue-1112	342	3	of	of	ADP
issue-1112	342	4	commission	commission	NOUN
issue-1112	342	5	receipts	receipt	NOUN
issue-1112	342	6	in	in	ADP
issue-1112	342	7	the	the	DET
issue-1112	342	8	formation	formation	NOUN
issue-1112	342	9	of	of	ADP
issue-1112	342	10	the	the	DET
issue-1112	342	11	commercial	commercial	ADJ
issue-1112	342	12	bank	bank	NOUN
issue-1112	342	13	revenue	revenue	NOUN
issue-1112	342	14	.	.	PUNCT
issue-1112	343	1	financial	financial	ADJ
issue-1112	343	2	and	and	CCONJ
issue-1112	343	3	credit	credit	NOUN
issue-1112	343	4	activity	activity	NOUN
issue-1112	343	5	:	:	PUNCT
issue-1112	343	6	problems	problem	NOUN
issue-1112	343	7	of	of	ADP
issue-1112	343	8	theory	theory	NOUN
issue-1112	343	9	and	and	CCONJ
issue-1112	343	10	practice	practice	NOUN
issue-1112	343	11	,	,	PUNCT
issue-1112	343	12	4(31	4(31	NUM
issue-1112	343	13	)	)	PUNCT
issue-1112	343	14	,	,	PUNCT
issue-1112	343	15	22–30	22–30	NUM
issue-1112	343	16	.	.	PUNCT
issue-1112	344	1	doi	doi	NOUN
issue-1112	344	2	:	:	PUNCT
issue-1112	344	3	10.18371	10.18371	NUM
issue-1112	344	4	/	/	SYM
issue-1112	344	5	fcaptp.v4i31.190781	fcaptp.v4i31.190781	NUM
issue-1112	344	6	loiko	loiko	NOUN
issue-1112	344	7	,	,	PUNCT
issue-1112	344	8	v.	v.	ADV
issue-1112	344	9	,	,	PUNCT
issue-1112	344	10	&	&	CCONJ
issue-1112	344	11	bashkyrtseva	bashkyrtseva	PROPN
issue-1112	344	12	,	,	PUNCT
issue-1112	344	13	t.	t.	PROPN
issue-1112	344	14	(	(	PUNCT
issue-1112	344	15	2018	2018	NUM
issue-1112	344	16	)	)	PUNCT
issue-1112	344	17	.	.	PUNCT
issue-1112	345	1	innovations	innovation	NOUN
issue-1112	345	2	as	as	ADP
issue-1112	345	3	a	a	DET
issue-1112	345	4	power	power	NOUN
issue-1112	345	5	of	of	ADP
issue-1112	345	6	banking	banking	NOUN
issue-1112	345	7	activity	activity	NOUN
issue-1112	345	8	.	.	PUNCT
issue-1112	346	1	european	european	ADJ
issue-1112	346	2	scientific	scientific	ADJ
issue-1112	346	3	journal	journal	NOUN
issue-1112	346	4	of	of	ADP
issue-1112	346	5	economic	economic	ADJ
issue-1112	346	6	and	and	CCONJ
issue-1112	346	7	financial	financial	ADJ
issue-1112	346	8	innovation	innovation	NOUN
issue-1112	346	9	,	,	PUNCT
issue-1112	346	10	(	(	PUNCT
issue-1112	346	11	1	1	NUM
issue-1112	346	12	)	)	PUNCT
issue-1112	346	13	,	,	PUNCT
issue-1112	346	14	67–76	67–76	NOUN
issue-1112	346	15	.	.	PUNCT
issue-1112	347	1	meifang	meifang	PROPN
issue-1112	347	2	yao	yao	PROPN
issue-1112	347	3	,	,	PUNCT
issue-1112	347	4	he	he	PRON
issue-1112	347	5	di	di	VERB
issue-1112	347	6	,	,	PUNCT
issue-1112	347	7	xianrong	xianrong	PROPN
issue-1112	347	8	zheng	zheng	PROPN
issue-1112	347	9	,	,	PUNCT
issue-1112	347	10	&	&	CCONJ
issue-1112	347	11	xiaobo	xiaobo	PROPN
issue-1112	347	12	xu	xu	PROPN
issue-1112	347	13	(	(	PUNCT
issue-1112	347	14	2018	2018	NUM
issue-1112	347	15	)	)	PUNCT
issue-1112	347	16	.	.	PUNCT
issue-1112	348	1	impact	impact	NOUN
issue-1112	348	2	of	of	ADP
issue-1112	348	3	payment	payment	NOUN
issue-1112	348	4	technology	technology	NOUN
issue-1112	348	5	innovations	innovation	NOUN
issue-1112	348	6	on	on	ADP
issue-1112	348	7	the	the	DET
issue-1112	348	8	traditional	traditional	ADJ
issue-1112	348	9	financial	financial	ADJ
issue-1112	348	10	industry	industry	NOUN
issue-1112	348	11	:	:	PUNCT
issue-1112	348	12	a	a	DET
issue-1112	348	13	focus	focus	NOUN
issue-1112	348	14	on	on	ADP
issue-1112	348	15	china	china	PROPN
issue-1112	348	16	.	.	PUNCT
issue-1112	349	1	technological	technological	ADJ
issue-1112	349	2	forecasting	forecasting	NOUN
issue-1112	349	3	and	and	CCONJ
issue-1112	349	4	social	social	ADJ
issue-1112	349	5	change	change	NOUN
issue-1112	349	6	,	,	PUNCT
issue-1112	349	7	135	135	NUM
issue-1112	349	8	.	.	PUNCT
issue-1112	349	9	pk	pk	NOUN
issue-1112	349	10	senyo	senyo	NOUN
issue-1112	349	11	,	,	PUNCT
issue-1112	349	12	&	&	CCONJ
issue-1112	349	13	ellis	ellis	PROPN
issue-1112	349	14	l.	l.	PROPN
issue-1112	349	15	c.	c.	PROPN
issue-1112	349	16	osabutey	osabutey	PROPN
issue-1112	349	17	(	(	PUNCT
issue-1112	349	18	2020	2020	NUM
issue-1112	349	19	)	)	PUNCT
issue-1112	349	20	.	.	PUNCT
issue-1112	350	1	unearthing	unearth	VERB
issue-1112	350	2	antecedents	antecedent	NOUN
issue-1112	350	3	to	to	ADP
issue-1112	350	4	financial	financial	ADJ
issue-1112	350	5	inclusion	inclusion	NOUN
issue-1112	350	6	through	through	ADP
issue-1112	350	7	fintech	fintech	NOUN
issue-1112	350	8	innovations	innovation	NOUN
issue-1112	350	9	.	.	PUNCT
issue-1112	351	1	technovation	technovation	NOUN
issue-1112	351	2	,	,	PUNCT
issue-1112	351	3	98	98	NUM
issue-1112	351	4	,	,	PUNCT
issue-1112	351	5	102155	102155	NUM
issue-1112	351	6	.	.	PUNCT
issue-1112	352	1	saksonova	saksonova	PROPN
issue-1112	352	2	,	,	PUNCT
issue-1112	352	3	s.	s.	PROPN
issue-1112	352	4	,	,	PUNCT
issue-1112	352	5	&	&	CCONJ
issue-1112	352	6	kuzmina	kuzmina	PROPN
issue-1112	352	7	-	-	PUNCT
issue-1112	352	8	merlino	merlino	PROPN
issue-1112	352	9	,	,	PUNCT
issue-1112	352	10	i.	i.	NOUN
issue-1112	352	11	(	(	PUNCT
issue-1112	352	12	2017	2017	NUM
issue-1112	352	13	)	)	PUNCT
issue-1112	352	14	.	.	PUNCT
issue-1112	353	1	fintech	fintech	NOUN
issue-1112	353	2	as	as	ADP
issue-1112	353	3	financial	financial	ADJ
issue-1112	353	4	innovation	innovation	NOUN
issue-1112	353	5	–	–	PUNCT
issue-1112	353	6	possibilities	possibility	NOUN
issue-1112	353	7	and	and	CCONJ
issue-1112	353	8	problems	problem	NOUN
issue-1112	353	9	of	of	ADP
issue-1112	353	10	implementation	implementation	NOUN
issue-1112	353	11	.	.	PUNCT
issue-1112	354	1	european	european	ADJ
issue-1112	354	2	research	research	PROPN
issue-1112	354	3	studies	studies	PROPN
issue-1112	354	4	journal	journal	NOUN
issue-1112	354	5	,	,	PUNCT
issue-1112	354	6	xx(3a	xx(3a	NUM
issue-1112	354	7	)	)	PUNCT
issue-1112	354	8	,	,	PUNCT
issue-1112	354	9	961–973	961–973	NUM
issue-1112	354	10	.	.	PUNCT
issue-1112	355	1	shkarlet	shkarlet	PROPN
issue-1112	355	2	,	,	PUNCT
issue-1112	355	3	s.	s.	PROPN
issue-1112	355	4	,	,	PUNCT
issue-1112	355	5	dubyna	dubyna	NOUN
issue-1112	355	6	,	,	PUNCT
issue-1112	355	7	m.	m.	NOUN
issue-1112	355	8	,	,	PUNCT
issue-1112	355	9	&	&	CCONJ
issue-1112	355	10	zhuk	zhuk	NOUN
issue-1112	355	11	,	,	PUNCT
issue-1112	355	12	o.	o.	NOUN
issue-1112	355	13	(	(	PUNCT
issue-1112	355	14	2018	2018	NUM
issue-1112	355	15	)	)	PUNCT
issue-1112	355	16	.	.	PUNCT
issue-1112	356	1	determinants	determinant	NOUN
issue-1112	356	2	of	of	ADP
issue-1112	356	3	the	the	DET
issue-1112	356	4	financial	financial	ADJ
issue-1112	356	5	services	service	NOUN
issue-1112	356	6	market	market	NOUN
issue-1112	356	7	functioning	function	VERB
issue-1112	356	8	in	in	ADP
issue-1112	356	9	the	the	DET
issue-1112	356	10	era	era	NOUN
issue-1112	356	11	of	of	ADP
issue-1112	356	12	the	the	DET
issue-1112	356	13	informational	informational	ADJ
issue-1112	356	14	economy	economy	NOUN
issue-1112	356	15	development	development	NOUN
issue-1112	356	16	.	.	PUNCT
issue-1112	357	1	baltic	baltic	PROPN
issue-1112	357	2	journal	journal	PROPN
issue-1112	357	3	of	of	ADP
issue-1112	357	4	economic	economic	ADJ
issue-1112	357	5	studies	study	NOUN
issue-1112	357	6	,	,	PUNCT
issue-1112	357	7	4(3	4(3	NUM
issue-1112	357	8	)	)	PUNCT
issue-1112	357	9	,	,	PUNCT
issue-1112	357	10	349–357	349–357	NUM
issue-1112	357	11	.	.	PUNCT
issue-1112	358	1	shkarlet	shkarlet	PROPN
issue-1112	358	2	,	,	PUNCT
issue-1112	358	3	s.	s.	PROPN
issue-1112	358	4	,	,	PUNCT
issue-1112	358	5	ivanova	ivanova	PROPN
issue-1112	358	6	,	,	PUNCT
issue-1112	358	7	n.	n.	NOUN
issue-1112	358	8	,	,	PUNCT
issue-1112	358	9	popelo	popelo	ADJ
issue-1112	358	10	,	,	PUNCT
issue-1112	358	11	o.	o.	NOUN
issue-1112	358	12	,	,	PUNCT
issue-1112	358	13	dubyna	dubyna	NOUN
issue-1112	358	14	,	,	PUNCT
issue-1112	358	15	m.	m.	NOUN
issue-1112	358	16	,	,	PUNCT
issue-1112	358	17	&	&	CCONJ
issue-1112	358	18	zhuk	zhuk	NOUN
issue-1112	358	19	,	,	PUNCT
issue-1112	358	20	o.	o.	PROPN
issue-1112	358	21	(	(	PUNCT
issue-1112	358	22	2020	2020	NUM
issue-1112	358	23	)	)	PUNCT
issue-1112	358	24	.	.	PUNCT
issue-1112	359	1	infrastructural	infrastructural	ADJ
issue-1112	359	2	and	and	CCONJ
issue-1112	359	3	regional	regional	ADJ
issue-1112	359	4	development	development	NOUN
issue-1112	359	5	:	:	PUNCT
issue-1112	359	6	theoretical	theoretical	ADJ
issue-1112	359	7	aspects	aspect	NOUN
issue-1112	359	8	and	and	CCONJ
issue-1112	359	9	practical	practical	ADJ
issue-1112	359	10	issues	issue	NOUN
issue-1112	359	11	.	.	PUNCT
issue-1112	360	1	studies	study	NOUN
issue-1112	360	2	of	of	ADP
issue-1112	360	3	applied	apply	VERB
issue-1112	360	4	economic	economic	ADJ
issue-1112	360	5	,	,	PUNCT
issue-1112	360	6	38–3(1	38–3(1	PROPN
issue-1112	360	7	)	)	PUNCT
issue-1112	360	8	.	.	PUNCT
issue-1112	361	1	shkarlet	shkarlet	PROPN
issue-1112	361	2	,	,	PUNCT
issue-1112	361	3	s.	s.	PROPN
issue-1112	361	4	,	,	PUNCT
issue-1112	361	5	kholiavko	kholiavko	PROPN
issue-1112	361	6	,	,	PUNCT
issue-1112	361	7	n.	n.	PROPN
issue-1112	361	8	,	,	PUNCT
issue-1112	361	9	&	&	CCONJ
issue-1112	361	10	dubyna	dubyna	PROPN
issue-1112	361	11	,	,	PUNCT
issue-1112	361	12	m.	m.	NOUN
issue-1112	361	13	(	(	PUNCT
issue-1112	361	14	2019	2019	NUM
issue-1112	361	15	)	)	PUNCT
issue-1112	361	16	.	.	PUNCT
issue-1112	362	1	information	information	NOUN
issue-1112	362	2	economy	economy	NOUN
issue-1112	362	3	:	:	PUNCT
issue-1112	362	4	management	management	NOUN
issue-1112	362	5	of	of	ADP
issue-1112	362	6	educational	educational	ADJ
issue-1112	362	7	,	,	PUNCT
issue-1112	362	8	innovation	innovation	NOUN
issue-1112	362	9	,	,	PUNCT
issue-1112	362	10	and	and	CCONJ
issue-1112	362	11	research	research	NOUN
issue-1112	362	12	determinants	determinant	NOUN
issue-1112	362	13	.	.	PUNCT
issue-1112	363	1	marketing	marketing	NOUN
issue-1112	363	2	and	and	CCONJ
issue-1112	363	3	management	management	NOUN
issue-1112	363	4	of	of	ADP
issue-1112	363	5	innovations	innovation	NOUN
issue-1112	363	6	,	,	PUNCT
issue-1112	363	7	3	3	NUM
issue-1112	363	8	,	,	PUNCT
issue-1112	363	9	126–141	126–141	NUM
issue-1112	363	10	.	.	PUNCT
issue-1112	364	1	the	the	DET
issue-1112	364	2	bai	bai	PROPN
issue-1112	364	3	global	global	PROPN
issue-1112	364	4	innovation	innovation	PROPN
issue-1112	364	5	awards	awards	PROPN
issue-1112	364	6	(	(	PUNCT
issue-1112	364	7	n.d	n.d	PROPN
issue-1112	364	8	.	.	PROPN
issue-1112	364	9	)	)	PUNCT
issue-1112	364	10	.	.	PUNCT
issue-1112	365	1	retrieved	retrieve	VERB
issue-1112	365	2	(	(	PUNCT
issue-1112	365	3	10.03.2021	10.03.2021	NUM
issue-1112	365	4	)	)	PUNCT
issue-1112	365	5	from	from	ADP
issue-1112	365	6	https://www.bai.org/globalinnovations	https://www.bai.org/globalinnovation	NOUN
issue-1112	365	7	vovk	vovk	ADJ
issue-1112	365	8	,	,	PUNCT
issue-1112	365	9	v.	v.	PROPN
issue-1112	365	10	y.	y.	PROPN
issue-1112	365	11	,	,	PUNCT
issue-1112	365	12	zhezherun	zhezherun	NOUN
issue-1112	365	13	,	,	PUNCT
issue-1112	365	14	yu	yu	PROPN
issue-1112	365	15	.	.	PUNCT
issue-1112	366	1	v.	v.	PROPN
issue-1112	366	2	,	,	PUNCT
issue-1112	366	3	&	&	CCONJ
issue-1112	366	4	kostohryz	kostohryz	PROPN
issue-1112	366	5	,	,	PUNCT
issue-1112	366	6	v.	v.	PROPN
issue-1112	366	7	g.	g.	PROPN
issue-1112	366	8	(	(	PUNCT
issue-1112	366	9	2019	2019	NUM
issue-1112	366	10	)	)	PUNCT
issue-1112	366	11	.	.	PUNCT
issue-1112	367	1	bank	bank	NOUN
issue-1112	367	2	lending	lending	NOUN
issue-1112	367	3	to	to	ADP
issue-1112	367	4	small	small	ADJ
issue-1112	367	5	and	and	CCONJ
issue-1112	367	6	medium	medium	ADJ
issue-1112	367	7	-	-	PUNCT
issue-1112	367	8	sized	sized	ADJ
issue-1112	367	9	enterprises	enterprise	NOUN
issue-1112	367	10	:	:	PUNCT
issue-1112	367	11	the	the	DET
issue-1112	367	12	experience	experience	NOUN
issue-1112	367	13	of	of	ADP
issue-1112	367	14	ukraine	ukraine	NOUN
issue-1112	367	15	and	and	CCONJ
issue-1112	367	16	poland	poland	PROPN
issue-1112	367	17	.	.	PUNCT
issue-1112	368	1	the	the	DET
issue-1112	368	2	bulletin	bulletin	NOUN
issue-1112	368	3	of	of	ADP
issue-1112	368	4	the	the	DET
issue-1112	368	5	national	national	PROPN
issue-1112	368	6	academy	academy	PROPN
issue-1112	368	7	of	of	ADP
issue-1112	368	8	sciences	sciences	PROPN
issue-1112	368	9	of	of	ADP
issue-1112	368	10	the	the	DET
issue-1112	368	11	republic	republic	NOUN
issue-1112	368	12	of	of	ADP
issue-1112	368	13	kazakhstan	kazakhstan	PROPN
issue-1112	368	14	,	,	PUNCT
issue-1112	368	15	2(378	2(378	NUM
issue-1112	368	16	)	)	PUNCT
issue-1112	368	17	,	,	PUNCT
issue-1112	368	18	70–78	70–78	NUM
issue-1112	368	19	.	.	PUNCT
issue-1112	369	1	doi	doi	NOUN
issue-1112	369	2	:	:	PUNCT
issue-1112	369	3	10.32014/2019.2518	10.32014/2019.2518	NUM
issue-1112	369	4	-	-	SYM
issue-1112	369	5	1467.42	1467.42	NUM
issue-1112	369	6	.	.	PUNCT
issue-1112	370	1	vovk	vovk	ADJ
issue-1112	370	2	,	,	PUNCT
issue-1112	370	3	v.	v.	PROPN
issue-1112	370	4	y.	y.	PROPN
issue-1112	370	5	,	,	PUNCT
issue-1112	370	6	zhezherun	zhezherun	NOUN
issue-1112	370	7	,	,	PUNCT
issue-1112	370	8	yu	yu	PROPN
issue-1112	370	9	.	.	PUNCT
issue-1112	371	1	v.	v.	PROPN
issue-1112	371	2	,	,	PUNCT
issue-1112	371	3	kostohryz	kostohryz	PROPN
issue-1112	371	4	,	,	PUNCT
issue-1112	371	5	v.	v.	PROPN
issue-1112	371	6	g.	g.	PROPN
issue-1112	371	7	,	,	PUNCT
issue-1112	371	8	&	&	CCONJ
issue-1112	371	9	maliarova	maliarova	PROPN
issue-1112	371	10	,	,	PUNCT
issue-1112	371	11	v.	v.	PROPN
issue-1112	371	12	о	о	PROPN
issue-1112	371	13	.	.	PUNCT
issue-1112	372	1	(	(	PUNCT
issue-1112	372	2	2021	2021	NUM
issue-1112	372	3	)	)	PUNCT
issue-1112	372	4	.	.	PUNCT
issue-1112	373	1	development	development	NOUN
issue-1112	373	2	of	of	ADP
issue-1112	373	3	the	the	DET
issue-1112	373	4	banking	banking	NOUN
issue-1112	373	5	sector	sector	NOUN
issue-1112	373	6	of	of	ADP
issue-1112	373	7	ukraine	ukraine	NOUN
issue-1112	373	8	in	in	ADP
issue-1112	373	9	the	the	DET
issue-1112	373	10	space	space	NOUN
issue-1112	373	11	of	of	ADP
issue-1112	373	12	formation	formation	NOUN
issue-1112	373	13	of	of	ADP
issue-1112	373	14	destructive	destructive	ADJ
issue-1112	373	15	consequences	consequence	NOUN
issue-1112	373	16	of	of	ADP
issue-1112	373	17	the	the	DET
issue-1112	373	18	influence	influence	NOUN
issue-1112	373	19	of	of	ADP
issue-1112	373	20	the	the	DET
issue-1112	373	21	global	global	ADJ
issue-1112	373	22	financial	financial	ADJ
issue-1112	373	23	and	and	CCONJ
issue-1112	373	24	economic	economic	ADJ
issue-1112	373	25	crises	crisis	NOUN
issue-1112	373	26	:	:	PUNCT
issue-1112	373	27	economic	economic	ADJ
issue-1112	373	28	and	and	CCONJ
issue-1112	373	29	legal	legal	ADJ
issue-1112	373	30	aspects	aspect	NOUN
issue-1112	373	31	.	.	PUNCT
issue-1112	374	1	bulletin	bulletin	NOUN
issue-1112	374	2	of	of	ADP
issue-1112	374	3	the	the	DET
issue-1112	374	4	national	national	PROPN
issue-1112	374	5	academy	academy	PROPN
issue-1112	374	6	of	of	ADP
issue-1112	374	7	sciences	sciences	PROPN
issue-1112	374	8	of	of	ADP
issue-1112	374	9	the	the	DET
issue-1112	374	10	republic	republic	NOUN
issue-1112	374	11	of	of	ADP
issue-1112	374	12	kazakhstan	kazakhstan	PROPN
issue-1112	374	13	,	,	PUNCT
issue-1112	374	14	1(389	1(389	NUM
issue-1112	374	15	)	)	PUNCT
issue-1112	374	16	,	,	PUNCT
issue-1112	374	17	137–145	137–145	NUM
issue-1112	374	18	.	.	PUNCT
issue-1112	375	1	doi	doi	NOUN
issue-1112	375	2	:	:	PUNCT
issue-1112	375	3	10.32014/2021.2518	10.32014/2021.2518	NUM
issue-1112	375	4	-	-	SYM
issue-1112	375	5	1467.19	1467.19	NUM
issue-1112	375	6	xin	xin	PUNCT
issue-1112	375	7	long	long	PROPN
issue-1112	376	1	xu	xu	PROPN
issue-1112	376	2	,	,	PUNCT
issue-1112	376	3	tao	tao	PROPN
issue-1112	376	4	shen	shen	PROPN
issue-1112	376	5	,	,	PUNCT
issue-1112	376	6	xi	xi	PROPN
issue-1112	376	7	zhang	zhang	PROPN
issue-1112	376	8	,	,	PUNCT
issue-1112	376	9	&	&	CCONJ
issue-1112	376	10	hsing	hsing	PROPN
issue-1112	376	11	hung	hung	PROPN
issue-1112	376	12	chen	chen	PROPN
issue-1112	376	13	(	(	PUNCT
issue-1112	376	14	2020	2020	NUM
issue-1112	376	15	)	)	PUNCT
issue-1112	376	16	.	.	PUNCT
issue-1112	377	1	the	the	DET
issue-1112	377	2	role	role	NOUN
issue-1112	377	3	of	of	ADP
issue-1112	377	4	innovation	innovation	NOUN
issue-1112	377	5	investment	investment	NOUN
issue-1112	377	6	and	and	CCONJ
issue-1112	377	7	executive	executive	ADJ
issue-1112	377	8	incentive	incentive	NOUN
issue-1112	377	9	on	on	ADP
issue-1112	377	10	financial	financial	ADJ
issue-1112	377	11	sustainability	sustainability	NOUN
issue-1112	377	12	in	in	ADP
issue-1112	377	13	tech	tech	NOUN
issue-1112	377	14	-	-	PUNCT
issue-1112	377	15	capital	capital	NOUN
issue-1112	377	16	-	-	PUNCT
issue-1112	377	17	labor	labor	NOUN
issue-1112	377	18	intensive	intensive	ADJ
issue-1112	377	19	energy	energy	NOUN
issue-1112	377	20	company	company	NOUN
issue-1112	377	21	:	:	PUNCT
issue-1112	377	22	moderate	moderate	ADJ
issue-1112	377	23	effect	effect	NOUN
issue-1112	377	24	.	.	PUNCT
issue-1112	378	1	energy	energy	NOUN
issue-1112	378	2	reports	report	NOUN
issue-1112	378	3	,	,	PUNCT
issue-1112	378	4	6	6	NUM
issue-1112	378	5	,	,	PUNCT
issue-1112	378	6	2667–2675	2667–2675	NUM
issue-1112	378	7	.	.	PUNCT