id	sid	tid	token	lemma	pos
issue-1691	1	1	baltic	baltic	PROPN
issue-1691	1	2	journal	journal	PROPN
issue-1691	1	3	of	of	ADP
issue-1691	1	4	economic	economic	ADJ
issue-1691	1	5	studies	study	NOUN
issue-1691	1	6	148	148	NUM
issue-1691	1	7	vol	vol	NOUN
issue-1691	1	8	.	.	NOUN
issue-1691	1	9	8	8	NUM
issue-1691	1	10	no	no	NOUN
issue-1691	1	11	.	.	NOUN
issue-1691	1	12	1	1	NUM
issue-1691	1	13	,	,	PUNCT
issue-1691	1	14	2022	2022	NUM
issue-1691	1	15	corresponding	correspond	VERB
issue-1691	1	16	author	author	NOUN
issue-1691	1	17	:	:	PUNCT
issue-1691	1	18	1	1	NUM
issue-1691	1	19	national	national	ADJ
issue-1691	1	20	university	university	NOUN
issue-1691	1	21	of	of	ADP
issue-1691	1	22	water	water	NOUN
issue-1691	1	23	and	and	CCONJ
issue-1691	1	24	environmental	environmental	ADJ
issue-1691	1	25	engineering	engineering	NOUN
issue-1691	1	26	,	,	PUNCT
issue-1691	1	27	ukraine	ukraine	NOUN
issue-1691	1	28	e	e	NOUN
issue-1691	1	29	-	-	NOUN
issue-1691	1	30	mail	mail	NOUN
issue-1691	1	31	:	:	PUNCT
issue-1691	1	32	i.h.khanin@nuwm.edu.ua	i.h.khanin@nuwm.edu.ua	PROPN
issue-1691	1	33	orcid	orcid	PROPN
issue-1691	1	34	:	:	PUNCT
issue-1691	1	35	https://orcid.org/0000-0002-4221-2314	https://orcid.org/0000-0002-4221-2314	NOUN
issue-1691	1	36	researcherid	researcherid	NOUN
issue-1691	1	37	:	:	PUNCT
issue-1691	1	38	aam-7043	aam-7043	NOUN
issue-1691	1	39	-	-	PUNCT
issue-1691	1	40	2021	2021	NUM
issue-1691	1	41	2	2	NUM
issue-1691	1	42	university	university	NOUN
issue-1691	1	43	of	of	ADP
issue-1691	1	44	customs	custom	NOUN
issue-1691	1	45	and	and	CCONJ
issue-1691	1	46	finance	finance	NOUN
issue-1691	1	47	,	,	PUNCT
issue-1691	1	48	ukraine	ukraine	NOUN
issue-1691	1	49	e	e	NOUN
issue-1691	1	50	-	-	NOUN
issue-1691	1	51	mail	mail	NOUN
issue-1691	1	52	:	:	PUNCT
issue-1691	2	1	bvs910@gmail.com	bvs910@gmail.com	PROPN
issue-1691	2	2	orcid	orcid	PROPN
issue-1691	2	3	:	:	PUNCT
issue-1691	2	4	https://orcid.org/0000-0003-1269-7207	https://orcid.org/0000-0003-1269-7207	NOUN
issue-1691	2	5	researcherid	researcherid	VERB
issue-1691	2	6	:	:	PUNCT
issue-1691	2	7	v-9965	v-9965	NOUN
issue-1691	2	8	-	-	PUNCT
issue-1691	2	9	2018	2018	NUM
issue-1691	2	10	3	3	NUM
issue-1691	2	11	national	national	ADJ
issue-1691	2	12	university	university	NOUN
issue-1691	2	13	of	of	ADP
issue-1691	2	14	water	water	NOUN
issue-1691	2	15	and	and	CCONJ
issue-1691	2	16	environmental	environmental	ADJ
issue-1691	2	17	engineering	engineering	NOUN
issue-1691	2	18	,	,	PUNCT
issue-1691	2	19	ukraine	ukraine	NOUN
issue-1691	2	20	e	e	NOUN
issue-1691	2	21	-	-	NOUN
issue-1691	2	22	mail	mail	NOUN
issue-1691	2	23	:	:	PUNCT
issue-1691	2	24	sopinyevhen@gmail.com	sopinyevhen@gmail.com	X
issue-1691	3	1	orcid	orcid	NOUN
issue-1691	3	2	:	:	PUNCT
issue-1691	3	3	https://orcid.org/0000-0001-5012-0332	https://orcid.org/0000-0001-5012-0332	PROPN
issue-1691	3	4	researcherid	researcherid	VERB
issue-1691	3	5	:	:	PUNCT
issue-1691	3	6	abg-5560	abg-5560	NOUN
issue-1691	3	7	-	-	PUNCT
issue-1691	3	8	2021	2021	NUM
issue-1691	3	9	doi	doi	NOUN
issue-1691	3	10	:	:	PUNCT
issue-1691	3	11	https://doi.org/10.30525/2256-0742/2022-8-1-148-158	https://doi.org/10.30525/2256-0742/2022-8-1-148-158	PROPN
issue-1691	3	12	improving	improve	VERB
issue-1691	3	13	the	the	DET
issue-1691	3	14	level	level	NOUN
issue-1691	3	15	of	of	ADP
issue-1691	3	16	economic	economic	ADJ
issue-1691	3	17	effectiveness	effectiveness	NOUN
issue-1691	3	18	of	of	ADP
issue-1691	3	19	electronic	electronic	ADJ
issue-1691	3	20	payment	payment	NOUN
issue-1691	3	21	services	service	NOUN
issue-1691	3	22	in	in	ADP
issue-1691	3	23	a	a	DET
issue-1691	3	24	global	global	ADJ
issue-1691	3	25	digital	digital	ADJ
issue-1691	3	26	economy	economy	NOUN
issue-1691	3	27	igor	igor	PROPN
issue-1691	3	28	khanin1	khanin1	PROPN
issue-1691	3	29	,	,	PUNCT
issue-1691	3	30	volodimir	volodimir	NOUN
issue-1691	3	31	bilozubenko2	bilozubenko2	NOUN
issue-1691	3	32	,	,	PUNCT
issue-1691	3	33	yevhen	yevhen	ADV
issue-1691	3	34	sopin3	sopin3	PROPN
issue-1691	4	1	abstract	abstract	ADJ
issue-1691	4	2	.	.	PUNCT
issue-1691	5	1	digitalization	digitalization	NOUN
issue-1691	5	2	ensured	ensure	VERB
issue-1691	5	3	a	a	DET
issue-1691	5	4	revolutionary	revolutionary	ADJ
issue-1691	5	5	change	change	NOUN
issue-1691	5	6	in	in	ADP
issue-1691	5	7	the	the	DET
issue-1691	5	8	ways	way	NOUN
issue-1691	5	9	of	of	ADP
issue-1691	5	10	delivering	deliver	VERB
issue-1691	5	11	and	and	CCONJ
issue-1691	5	12	consuming	consume	VERB
issue-1691	5	13	financial	financial	ADJ
issue-1691	5	14	services	service	NOUN
issue-1691	5	15	,	,	PUNCT
issue-1691	5	16	in	in	ADP
issue-1691	5	17	particular	particular	ADJ
issue-1691	5	18	payment	payment	NOUN
issue-1691	5	19	services	service	NOUN
issue-1691	5	20	.	.	PUNCT
issue-1691	6	1	one	one	NUM
issue-1691	6	2	of	of	ADP
issue-1691	6	3	the	the	DET
issue-1691	6	4	key	key	ADJ
issue-1691	6	5	prerequisites	prerequisite	NOUN
issue-1691	6	6	for	for	ADP
issue-1691	6	7	the	the	DET
issue-1691	6	8	sustainable	sustainable	ADJ
issue-1691	6	9	operation	operation	NOUN
issue-1691	6	10	and	and	CCONJ
issue-1691	6	11	development	development	NOUN
issue-1691	6	12	of	of	ADP
issue-1691	6	13	e	e	NOUN
issue-1691	6	14	-	-	NOUN
issue-1691	6	15	payment	payment	NOUN
issue-1691	6	16	systems	system	NOUN
issue-1691	6	17	is	be	AUX
issue-1691	6	18	the	the	DET
issue-1691	6	19	achievement	achievement	NOUN
issue-1691	6	20	of	of	ADP
issue-1691	6	21	a	a	DET
issue-1691	6	22	high	high	ADJ
issue-1691	6	23	level	level	NOUN
issue-1691	6	24	of	of	ADP
issue-1691	6	25	effectiveness	effectiveness	NOUN
issue-1691	6	26	of	of	ADP
issue-1691	6	27	e	e	NOUN
issue-1691	6	28	-	-	NOUN
issue-1691	6	29	payment	payment	ADJ
issue-1691	6	30	services	service	NOUN
issue-1691	6	31	(	(	PUNCT
issue-1691	6	32	eps	eps	PROPN
issue-1691	6	33	)	)	PUNCT
issue-1691	6	34	,	,	PUNCT
issue-1691	6	35	which	which	PRON
issue-1691	6	36	occurs	occur	VERB
issue-1691	6	37	in	in	ADP
issue-1691	6	38	the	the	DET
issue-1691	6	39	global	global	ADJ
issue-1691	6	40	context	context	NOUN
issue-1691	6	41	of	of	ADP
issue-1691	6	42	building	build	VERB
issue-1691	6	43	a	a	DET
issue-1691	6	44	digital	digital	ADJ
issue-1691	6	45	economy	economy	NOUN
issue-1691	6	46	.	.	PUNCT
issue-1691	7	1	the	the	DET
issue-1691	7	2	goal	goal	NOUN
issue-1691	7	3	of	of	ADP
issue-1691	7	4	the	the	DET
issue-1691	7	5	research	research	NOUN
issue-1691	7	6	is	be	AUX
issue-1691	7	7	to	to	PART
issue-1691	7	8	develop	develop	VERB
issue-1691	7	9	the	the	DET
issue-1691	7	10	conceptual	conceptual	ADJ
issue-1691	7	11	framework	framework	NOUN
issue-1691	7	12	and	and	CCONJ
issue-1691	7	13	identify	identify	VERB
issue-1691	7	14	the	the	DET
issue-1691	7	15	key	key	ADJ
issue-1691	7	16	areas	area	NOUN
issue-1691	7	17	for	for	ADP
issue-1691	7	18	improving	improve	VERB
issue-1691	7	19	the	the	DET
issue-1691	7	20	economic	economic	ADJ
issue-1691	7	21	effectiveness	effectiveness	NOUN
issue-1691	7	22	of	of	ADP
issue-1691	7	23	e	e	NOUN
issue-1691	7	24	-	-	NOUN
issue-1691	7	25	payment	payment	NOUN
issue-1691	7	26	services	service	NOUN
issue-1691	7	27	in	in	ADP
issue-1691	7	28	a	a	DET
issue-1691	7	29	global	global	ADJ
issue-1691	7	30	digital	digital	ADJ
issue-1691	7	31	economy	economy	NOUN
issue-1691	7	32	.	.	PUNCT
issue-1691	8	1	the	the	DET
issue-1691	8	2	theoretical	theoretical	ADJ
issue-1691	8	3	framework	framework	NOUN
issue-1691	8	4	of	of	ADP
issue-1691	8	5	the	the	DET
issue-1691	8	6	research	research	NOUN
issue-1691	8	7	includes	include	VERB
issue-1691	8	8	:	:	PUNCT
issue-1691	8	9	the	the	DET
issue-1691	8	10	best	good	ADJ
issue-1691	8	11	practices	practice	NOUN
issue-1691	8	12	in	in	ADP
issue-1691	8	13	the	the	DET
issue-1691	8	14	sphere	sphere	NOUN
issue-1691	8	15	of	of	ADP
issue-1691	8	16	digital	digital	ADJ
issue-1691	8	17	technology	technology	NOUN
issue-1691	8	18	,	,	PUNCT
issue-1691	8	19	digitalization	digitalization	NOUN
issue-1691	8	20	and	and	CCONJ
issue-1691	8	21	digital	digital	ADJ
issue-1691	8	22	transformations	transformation	NOUN
issue-1691	8	23	;	;	PUNCT
issue-1691	8	24	a	a	DET
issue-1691	8	25	concept	concept	NOUN
issue-1691	8	26	of	of	ADP
issue-1691	8	27	digital	digital	ADJ
issue-1691	8	28	economy	economy	NOUN
issue-1691	8	29	,	,	PUNCT
issue-1691	8	30	determining	determine	VERB
issue-1691	8	31	its	its	PRON
issue-1691	8	32	structure	structure	NOUN
issue-1691	8	33	,	,	PUNCT
issue-1691	8	34	technological	technological	ADJ
issue-1691	8	35	"	"	PUNCT
issue-1691	8	36	core	core	NOUN
issue-1691	8	37	"	"	PUNCT
issue-1691	8	38	and	and	CCONJ
issue-1691	8	39	contours	contour	NOUN
issue-1691	8	40	,	,	PUNCT
issue-1691	8	41	and	and	CCONJ
issue-1691	8	42	functional	functional	ADJ
issue-1691	8	43	features	feature	NOUN
issue-1691	8	44	.	.	PUNCT
issue-1691	9	1	an	an	DET
issue-1691	9	2	enhanced	enhanced	ADJ
issue-1691	9	3	role	role	NOUN
issue-1691	9	4	of	of	ADP
issue-1691	9	5	the	the	DET
issue-1691	9	6	internet	internet	NOUN
issue-1691	9	7	as	as	ADP
issue-1691	9	8	a	a	DET
issue-1691	9	9	general	general	ADJ
issue-1691	9	10	economic	economic	ADJ
issue-1691	9	11	infrastructure	infrastructure	NOUN
issue-1691	9	12	,	,	PUNCT
issue-1691	9	13	being	be	AUX
issue-1691	9	14	the	the	DET
issue-1691	9	15	key	key	NOUN
issue-1691	9	16	for	for	ADP
issue-1691	9	17	the	the	DET
issue-1691	9	18	global	global	ADJ
issue-1691	9	19	quality	quality	NOUN
issue-1691	9	20	of	of	ADP
issue-1691	9	21	digital	digital	ADJ
issue-1691	9	22	economy	economy	NOUN
issue-1691	9	23	,	,	PUNCT
issue-1691	9	24	has	have	AUX
issue-1691	9	25	been	be	AUX
issue-1691	9	26	taken	take	VERB
issue-1691	9	27	into	into	ADP
issue-1691	9	28	consideration	consideration	NOUN
issue-1691	9	29	.	.	PUNCT
issue-1691	10	1	the	the	DET
issue-1691	10	2	methodology	methodology	NOUN
issue-1691	10	3	of	of	ADP
issue-1691	10	4	the	the	DET
issue-1691	10	5	research	research	NOUN
issue-1691	10	6	is	be	AUX
issue-1691	10	7	based	base	VERB
issue-1691	10	8	on	on	ADP
issue-1691	10	9	an	an	DET
issue-1691	10	10	evolutionary	evolutionary	ADJ
issue-1691	10	11	approach	approach	NOUN
issue-1691	10	12	and	and	CCONJ
issue-1691	10	13	includes	include	VERB
issue-1691	10	14	:	:	PUNCT
issue-1691	10	15	historical	historical	ADJ
issue-1691	10	16	,	,	PUNCT
issue-1691	10	17	systemic	systemic	ADJ
issue-1691	10	18	and	and	CCONJ
issue-1691	10	19	structural	structural	ADJ
issue-1691	10	20	,	,	PUNCT
issue-1691	10	21	functional	functional	ADJ
issue-1691	10	22	,	,	PUNCT
issue-1691	10	23	and	and	CCONJ
issue-1691	10	24	comparative	comparative	ADJ
issue-1691	10	25	analysis	analysis	NOUN
issue-1691	10	26	.	.	PUNCT
issue-1691	11	1	the	the	DET
issue-1691	11	2	results	result	NOUN
issue-1691	11	3	of	of	ADP
issue-1691	11	4	the	the	DET
issue-1691	11	5	research	research	NOUN
issue-1691	11	6	are	be	AUX
issue-1691	11	7	represented	represent	VERB
issue-1691	11	8	by	by	ADP
issue-1691	11	9	a	a	DET
issue-1691	11	10	number	number	NOUN
issue-1691	11	11	of	of	ADP
issue-1691	11	12	theoretical	theoretical	ADJ
issue-1691	11	13	,	,	PUNCT
issue-1691	11	14	conceptual	conceptual	ADJ
issue-1691	11	15	and	and	CCONJ
issue-1691	11	16	practical	practical	ADJ
issue-1691	11	17	provisions	provision	NOUN
issue-1691	11	18	.	.	PUNCT
issue-1691	12	1	above	above	ADP
issue-1691	12	2	all	all	PRON
issue-1691	12	3	,	,	PUNCT
issue-1691	12	4	the	the	DET
issue-1691	12	5	essence	essence	NOUN
issue-1691	12	6	of	of	ADP
issue-1691	12	7	fintech	fintech	NOUN
issue-1691	12	8	was	be	AUX
issue-1691	12	9	clarified	clarify	VERB
issue-1691	12	10	and	and	CCONJ
issue-1691	12	11	the	the	DET
issue-1691	12	12	key	key	ADJ
issue-1691	12	13	areas	area	NOUN
issue-1691	12	14	of	of	ADP
issue-1691	12	15	its	its	PRON
issue-1691	12	16	development	development	NOUN
issue-1691	12	17	were	be	AUX
issue-1691	12	18	identified	identify	VERB
issue-1691	12	19	;	;	PUNCT
issue-1691	12	20	the	the	DET
issue-1691	12	21	crucial	crucial	ADJ
issue-1691	12	22	importance	importance	NOUN
issue-1691	12	23	of	of	ADP
issue-1691	12	24	the	the	DET
issue-1691	12	25	problem	problem	NOUN
issue-1691	12	26	of	of	ADP
issue-1691	12	27	economic	economic	ADJ
issue-1691	12	28	effectiveness	effectiveness	NOUN
issue-1691	12	29	for	for	ADP
issue-1691	12	30	this	this	DET
issue-1691	12	31	sphere	sphere	NOUN
issue-1691	12	32	of	of	ADP
issue-1691	12	33	digital	digital	ADJ
issue-1691	12	34	technology	technology	NOUN
issue-1691	12	35	was	be	AUX
issue-1691	12	36	substantiated	substantiate	VERB
issue-1691	12	37	.	.	PUNCT
issue-1691	13	1	the	the	DET
issue-1691	13	2	paper	paper	NOUN
issue-1691	13	3	identified	identify	VERB
issue-1691	13	4	the	the	DET
issue-1691	13	5	essence	essence	NOUN
issue-1691	13	6	and	and	CCONJ
issue-1691	13	7	specific	specific	ADJ
issue-1691	13	8	features	feature	NOUN
issue-1691	13	9	of	of	ADP
issue-1691	13	10	paytech	paytech	NOUN
issue-1691	13	11	,	,	PUNCT
issue-1691	13	12	which	which	PRON
issue-1691	13	13	transformed	transform	VERB
issue-1691	13	14	the	the	DET
issue-1691	13	15	ways	way	NOUN
issue-1691	13	16	to	to	PART
issue-1691	13	17	carry	carry	VERB
issue-1691	13	18	out	out	ADP
issue-1691	13	19	payment	payment	NOUN
issue-1691	13	20	transactions	transaction	NOUN
issue-1691	13	21	and	and	CCONJ
issue-1691	13	22	provide	provide	VERB
issue-1691	13	23	the	the	DET
issue-1691	13	24	respective	respective	ADJ
issue-1691	13	25	services	service	NOUN
issue-1691	13	26	.	.	PUNCT
issue-1691	14	1	the	the	DET
issue-1691	14	2	purpose	purpose	NOUN
issue-1691	14	3	and	and	CCONJ
issue-1691	14	4	key	key	ADJ
issue-1691	14	5	components	component	NOUN
issue-1691	14	6	of	of	ADP
issue-1691	14	7	e	e	NOUN
issue-1691	14	8	-	-	NOUN
issue-1691	14	9	payment	payment	NOUN
issue-1691	14	10	systems	system	NOUN
issue-1691	14	11	were	be	AUX
issue-1691	14	12	clarified	clarify	VERB
issue-1691	14	13	as	as	ADV
issue-1691	14	14	well	well	ADV
issue-1691	14	15	as	as	ADP
issue-1691	14	16	the	the	DET
issue-1691	14	17	specific	specific	ADJ
issue-1691	14	18	features	feature	NOUN
issue-1691	14	19	to	to	PART
issue-1691	14	20	ensure	ensure	VERB
issue-1691	14	21	eps	eps	PROPN
issue-1691	14	22	in	in	ADP
issue-1691	14	23	various	various	ADJ
issue-1691	14	24	aspects	aspect	NOUN
issue-1691	14	25	.	.	PUNCT
issue-1691	15	1	the	the	DET
issue-1691	15	2	attention	attention	NOUN
issue-1691	15	3	was	be	AUX
issue-1691	15	4	drawn	draw	VERB
issue-1691	15	5	to	to	ADP
issue-1691	15	6	the	the	DET
issue-1691	15	7	issues	issue	NOUN
issue-1691	15	8	of	of	ADP
issue-1691	15	9	effective	effective	ADJ
issue-1691	15	10	eps	ep	NOUN
issue-1691	15	11	in	in	ADP
issue-1691	15	12	terms	term	NOUN
issue-1691	15	13	of	of	ADP
issue-1691	15	14	the	the	DET
issue-1691	15	15	provider	provider	NOUN
issue-1691	15	16	(	(	PUNCT
issue-1691	15	17	related	relate	VERB
issue-1691	15	18	to	to	ADP
issue-1691	15	19	ensuring	ensure	VERB
issue-1691	15	20	mass	mass	ADJ
issue-1691	15	21	retail	retail	ADJ
issue-1691	15	22	payments	payment	NOUN
issue-1691	15	23	using	use	VERB
issue-1691	15	24	internet	internet	NOUN
issue-1691	15	25	and	and	CCONJ
issue-1691	15	26	mobile	mobile	ADJ
issue-1691	15	27	technologies	technology	NOUN
issue-1691	15	28	)	)	PUNCT
issue-1691	15	29	.	.	PUNCT
issue-1691	16	1	taking	take	VERB
issue-1691	16	2	into	into	ADP
issue-1691	16	3	consideration	consideration	NOUN
issue-1691	16	4	different	different	ADJ
issue-1691	16	5	description	description	NOUN
issue-1691	16	6	models	model	NOUN
issue-1691	16	7	of	of	ADP
issue-1691	16	8	payment	payment	NOUN
issue-1691	16	9	operation	operation	NOUN
issue-1691	16	10	,	,	PUNCT
issue-1691	16	11	the	the	DET
issue-1691	16	12	emphasis	emphasis	NOUN
issue-1691	16	13	was	be	AUX
issue-1691	16	14	laid	lay	VERB
issue-1691	16	15	on	on	ADP
issue-1691	16	16	the	the	DET
issue-1691	16	17	technological	technological	ADJ
issue-1691	16	18	model	model	NOUN
issue-1691	16	19	and	and	CCONJ
issue-1691	16	20	functionality	functionality	NOUN
issue-1691	16	21	of	of	ADP
issue-1691	16	22	e	e	NOUN
issue-1691	16	23	-	-	NOUN
issue-1691	16	24	payment	payment	NOUN
issue-1691	16	25	systems	system	NOUN
issue-1691	16	26	,	,	PUNCT
issue-1691	16	27	which	which	PRON
issue-1691	16	28	demonstrated	demonstrate	VERB
issue-1691	16	29	an	an	DET
issue-1691	16	30	integrated	integrated	ADJ
issue-1691	16	31	approach	approach	NOUN
issue-1691	16	32	to	to	ADP
issue-1691	16	33	achieving	achieve	VERB
issue-1691	16	34	the	the	DET
issue-1691	16	35	high	high	ADJ
issue-1691	16	36	quality	quality	NOUN
issue-1691	16	37	and	and	CCONJ
issue-1691	16	38	effectiveness	effectiveness	NOUN
issue-1691	16	39	of	of	ADP
issue-1691	16	40	eps	eps	PROPN
issue-1691	16	41	.	.	PROPN
issue-1691	16	42	taking	take	VERB
issue-1691	16	43	into	into	ADP
issue-1691	16	44	account	account	NOUN
issue-1691	16	45	the	the	DET
issue-1691	16	46	external	external	ADJ
issue-1691	16	47	and	and	CCONJ
issue-1691	16	48	internal	internal	ADJ
issue-1691	16	49	prerequisites	prerequisite	NOUN
issue-1691	16	50	to	to	PART
issue-1691	16	51	accomplish	accomplish	VERB
issue-1691	16	52	this	this	PRON
issue-1691	16	53	,	,	PUNCT
issue-1691	16	54	the	the	DET
issue-1691	16	55	following	follow	VERB
issue-1691	16	56	strategic	strategic	ADJ
issue-1691	16	57	areas	area	NOUN
issue-1691	16	58	for	for	ADP
issue-1691	16	59	improving	improve	VERB
issue-1691	16	60	the	the	DET
issue-1691	16	61	economic	economic	ADJ
issue-1691	16	62	effectiveness	effectiveness	NOUN
issue-1691	16	63	of	of	ADP
issue-1691	16	64	eps	eps	PROPN
issue-1691	16	65	were	be	AUX
issue-1691	16	66	identified	identify	VERB
issue-1691	16	67	:	:	PUNCT
issue-1691	16	68	1	1	X
issue-1691	16	69	)	)	PUNCT
issue-1691	16	70	enhancing	enhance	VERB
issue-1691	16	71	the	the	DET
issue-1691	16	72	risk	risk	NOUN
issue-1691	16	73	management	management	NOUN
issue-1691	16	74	quality	quality	NOUN
issue-1691	16	75	;	;	PUNCT
issue-1691	16	76	2	2	X
issue-1691	16	77	)	)	PUNCT
issue-1691	16	78	innovation	innovation	NOUN
issue-1691	16	79	development	development	NOUN
issue-1691	16	80	;	;	PUNCT
issue-1691	16	81	3	3	X
issue-1691	16	82	)	)	PUNCT
issue-1691	16	83	development	development	NOUN
issue-1691	16	84	of	of	ADP
issue-1691	16	85	the	the	DET
issue-1691	16	86	ecosystem	ecosystem	NOUN
issue-1691	16	87	of	of	ADP
issue-1691	16	88	eps	eps	PROPN
issue-1691	16	89	delivery	delivery	NOUN
issue-1691	16	90	.	.	PUNCT
issue-1691	17	1	practical	practical	ADJ
issue-1691	17	2	recommendations	recommendation	NOUN
issue-1691	17	3	on	on	ADP
issue-1691	17	4	the	the	DET
issue-1691	17	5	intensification	intensification	NOUN
issue-1691	17	6	of	of	ADP
issue-1691	17	7	e	e	NOUN
issue-1691	17	8	-	-	NOUN
issue-1691	17	9	payment	payment	NOUN
issue-1691	17	10	systems	system	NOUN
issue-1691	17	11	include	include	VERB
issue-1691	17	12	:	:	PUNCT
issue-1691	17	13	governmental	governmental	ADJ
issue-1691	17	14	support	support	NOUN
issue-1691	17	15	activities	activity	NOUN
issue-1691	17	16	for	for	ADP
issue-1691	17	17	eps	eps	NOUN
issue-1691	17	18	providers	provider	NOUN
issue-1691	17	19	;	;	PUNCT
issue-1691	17	20	proposals	proposal	NOUN
issue-1691	17	21	on	on	ADP
issue-1691	17	22	enhancing	enhance	VERB
issue-1691	17	23	the	the	DET
issue-1691	17	24	innovative	innovative	ADJ
issue-1691	17	25	function	function	NOUN
issue-1691	17	26	of	of	ADP
issue-1691	17	27	regulatory	regulatory	ADJ
issue-1691	17	28	"	"	PUNCT
issue-1691	17	29	sandboxes	sandbox	NOUN
issue-1691	17	30	"	"	PUNCT
issue-1691	17	31	and	and	CCONJ
issue-1691	17	32	expanding	expand	VERB
issue-1691	17	33	the	the	DET
issue-1691	17	34	use	use	NOUN
issue-1691	17	35	of	of	ADP
issue-1691	17	36	the	the	DET
issue-1691	17	37	technologies	technology	NOUN
issue-1691	17	38	which	which	PRON
issue-1691	17	39	ensure	ensure	VERB
issue-1691	17	40	the	the	DET
issue-1691	17	41	compliance	compliance	NOUN
issue-1691	17	42	with	with	ADP
issue-1691	17	43	regulatory	regulatory	ADJ
issue-1691	17	44	standards	standard	NOUN
issue-1691	17	45	(	(	PUNCT
issue-1691	17	46	suptech	suptech	NOUN
issue-1691	17	47	and	and	CCONJ
issue-1691	17	48	regtech	regtech	NOUN
issue-1691	17	49	)	)	PUNCT
issue-1691	17	50	.	.	PUNCT
issue-1691	18	1	value	value	NOUN
issue-1691	18	2	/	/	SYM
issue-1691	18	3	originality	originality	NOUN
issue-1691	18	4	:	:	PUNCT
issue-1691	18	5	the	the	DET
issue-1691	18	6	paper	paper	NOUN
issue-1691	18	7	specified	specify	VERB
issue-1691	18	8	and	and	CCONJ
issue-1691	18	9	identified	identify	VERB
issue-1691	18	10	the	the	DET
issue-1691	18	11	focus	focus	NOUN
issue-1691	18	12	areas	area	NOUN
issue-1691	18	13	and	and	CCONJ
issue-1691	18	14	activities	activity	NOUN
issue-1691	18	15	to	to	PART
issue-1691	18	16	improve	improve	VERB
issue-1691	18	17	the	the	DET
issue-1691	18	18	economic	economic	ADJ
issue-1691	18	19	effectiveness	effectiveness	NOUN
issue-1691	18	20	of	of	ADP
issue-1691	18	21	eps	eps	PROPN
issue-1691	18	22	delivery	delivery	NOUN
issue-1691	18	23	,	,	PUNCT
issue-1691	18	24	which	which	PRON
issue-1691	18	25	is	be	AUX
issue-1691	18	26	of	of	ADP
issue-1691	18	27	strategic	strategic	ADJ
issue-1691	18	28	importance	importance	NOUN
issue-1691	18	29	in	in	ADP
issue-1691	18	30	the	the	DET
issue-1691	18	31	global	global	ADJ
issue-1691	18	32	digital	digital	ADJ
issue-1691	18	33	economy	economy	NOUN
issue-1691	18	34	,	,	PUNCT
issue-1691	18	35	being	be	AUX
issue-1691	18	36	of	of	ADP
issue-1691	18	37	particular	particular	ADJ
issue-1691	18	38	value	value	NOUN
issue-1691	18	39	for	for	ADP
issue-1691	18	40	future	future	ADJ
issue-1691	18	41	studies	study	NOUN
issue-1691	18	42	.	.	PUNCT
issue-1691	19	1	key	key	ADJ
issue-1691	19	2	words	word	NOUN
issue-1691	19	3	:	:	PUNCT
issue-1691	19	4	digital	digital	ADJ
issue-1691	19	5	technologies	technology	NOUN
issue-1691	19	6	,	,	PUNCT
issue-1691	19	7	digital	digital	ADJ
issue-1691	19	8	economy	economy	NOUN
issue-1691	19	9	,	,	PUNCT
issue-1691	19	10	globalization	globalization	NOUN
issue-1691	19	11	,	,	PUNCT
issue-1691	19	12	electronic	electronic	ADJ
issue-1691	19	13	payment	payment	NOUN
issue-1691	19	14	systems	system	NOUN
issue-1691	19	15	,	,	PUNCT
issue-1691	19	16	electronic	electronic	ADJ
issue-1691	19	17	payment	payment	NOUN
issue-1691	19	18	services	service	NOUN
issue-1691	19	19	,	,	PUNCT
issue-1691	19	20	effectiveness	effectiveness	NOUN
issue-1691	19	21	.	.	PUNCT
issue-1691	20	1	jel	jel	PROPN
issue-1691	20	2	classification	classification	NOUN
issue-1691	20	3	:	:	PUNCT
issue-1691	20	4	e42	e42	NUM
issue-1691	20	5	,	,	PUNCT
issue-1691	20	6	f01	f01	NOUN
issue-1691	20	7	,	,	PUNCT
issue-1691	20	8	f30	f30	NOUN
issue-1691	20	9	,	,	PUNCT
issue-1691	20	10	g14	g14	NOUN
issue-1691	20	11	,	,	PUNCT
issue-1691	20	12	l86	l86	PROPN
issue-1691	20	13	baltic	baltic	PROPN
issue-1691	20	14	journal	journal	PROPN
issue-1691	20	15	of	of	ADP
issue-1691	20	16	economic	economic	ADJ
issue-1691	20	17	studies	study	NOUN
issue-1691	20	18	149	149	NUM
issue-1691	20	19	vol	vol	NOUN
issue-1691	20	20	.	.	PROPN
issue-1691	20	21	8	8	NUM
issue-1691	21	1	no	no	NOUN
issue-1691	21	2	.	.	NOUN
issue-1691	21	3	1	1	NUM
issue-1691	21	4	,	,	PUNCT
issue-1691	21	5	2022	2022	NUM
issue-1691	21	6	1	1	NUM
issue-1691	21	7	.	.	PUNCT
issue-1691	22	1	introduction	introduction	NOUN
issue-1691	22	2	building	build	VERB
issue-1691	22	3	a	a	DET
issue-1691	22	4	digital	digital	ADJ
issue-1691	22	5	economy	economy	NOUN
issue-1691	22	6	is	be	AUX
issue-1691	22	7	one	one	NUM
issue-1691	22	8	of	of	ADP
issue-1691	22	9	the	the	DET
issue-1691	22	10	main	main	ADJ
issue-1691	22	11	trends	trend	NOUN
issue-1691	22	12	in	in	ADP
issue-1691	22	13	the	the	DET
issue-1691	22	14	social	social	ADJ
issue-1691	22	15	and	and	CCONJ
issue-1691	22	16	economic	economic	ADJ
issue-1691	22	17	development	development	NOUN
issue-1691	22	18	,	,	PUNCT
issue-1691	22	19	which	which	PRON
issue-1691	22	20	embraces	embrace	VERB
issue-1691	22	21	all	all	DET
issue-1691	22	22	spheres	sphere	NOUN
issue-1691	22	23	of	of	ADP
issue-1691	22	24	human	human	ADJ
issue-1691	22	25	life	life	NOUN
issue-1691	22	26	.	.	PUNCT
issue-1691	23	1	the	the	DET
issue-1691	23	2	introduction	introduction	NOUN
issue-1691	23	3	of	of	ADP
issue-1691	23	4	digital	digital	ADJ
issue-1691	23	5	technologies	technology	NOUN
issue-1691	23	6	(	(	PUNCT
issue-1691	23	7	digitalization	digitalization	NOUN
issue-1691	23	8	)	)	PUNCT
issue-1691	23	9	leads	lead	VERB
issue-1691	23	10	to	to	ADP
issue-1691	23	11	profound	profound	ADJ
issue-1691	23	12	transformations	transformation	NOUN
issue-1691	23	13	of	of	ADP
issue-1691	23	14	economic	economic	ADJ
issue-1691	23	15	systems	system	NOUN
issue-1691	23	16	,	,	PUNCT
issue-1691	23	17	changes	change	VERB
issue-1691	23	18	the	the	DET
issue-1691	23	19	forms	form	NOUN
issue-1691	23	20	of	of	ADP
issue-1691	23	21	economic	economic	ADJ
issue-1691	23	22	organization	organization	NOUN
issue-1691	23	23	,	,	PUNCT
issue-1691	23	24	market	market	NOUN
issue-1691	23	25	mechanisms	mechanism	NOUN
issue-1691	23	26	,	,	PUNCT
issue-1691	23	27	business	business	NOUN
issue-1691	23	28	models	model	NOUN
issue-1691	23	29	,	,	PUNCT
issue-1691	23	30	ways	way	NOUN
issue-1691	23	31	of	of	ADP
issue-1691	23	32	delivering	deliver	VERB
issue-1691	23	33	various	various	ADJ
issue-1691	23	34	services	service	NOUN
issue-1691	23	35	.	.	PUNCT
issue-1691	24	1	this	this	PRON
issue-1691	24	2	requires	require	VERB
issue-1691	24	3	considering	consider	VERB
issue-1691	24	4	the	the	DET
issue-1691	24	5	issues	issue	NOUN
issue-1691	24	6	of	of	ADP
issue-1691	24	7	their	their	PRON
issue-1691	24	8	economic	economic	ADJ
issue-1691	24	9	effectiveness	effectiveness	NOUN
issue-1691	24	10	in	in	ADP
issue-1691	24	11	conditions	condition	NOUN
issue-1691	24	12	of	of	ADP
issue-1691	24	13	a	a	DET
issue-1691	24	14	new	new	ADJ
issue-1691	24	15	technological	technological	ADJ
issue-1691	24	16	pattern	pattern	NOUN
issue-1691	24	17	that	that	PRON
issue-1691	24	18	is	be	AUX
issue-1691	24	19	digital	digital	ADJ
issue-1691	24	20	economy	economy	NOUN
issue-1691	24	21	,	,	PUNCT
issue-1691	24	22	which	which	PRON
issue-1691	24	23	influences	influence	VERB
issue-1691	24	24	the	the	DET
issue-1691	24	25	level	level	NOUN
issue-1691	24	26	of	of	ADP
issue-1691	24	27	meeting	meet	VERB
issue-1691	24	28	the	the	DET
issue-1691	24	29	social	social	ADJ
issue-1691	24	30	needs	need	NOUN
issue-1691	24	31	.	.	PUNCT
issue-1691	25	1	the	the	DET
issue-1691	25	2	application	application	NOUN
issue-1691	25	3	of	of	ADP
issue-1691	25	4	digital	digital	ADJ
issue-1691	25	5	technologies	technology	NOUN
issue-1691	25	6	in	in	ADP
issue-1691	25	7	financial	financial	ADJ
issue-1691	25	8	sector	sector	NOUN
issue-1691	25	9	,	,	PUNCT
issue-1691	25	10	which	which	PRON
issue-1691	25	11	has	have	AUX
issue-1691	25	12	been	be	AUX
issue-1691	25	13	termed	term	VERB
issue-1691	25	14	"	"	PUNCT
issue-1691	25	15	fintech	fintech	NOUN
issue-1691	25	16	"	"	PUNCT
issue-1691	25	17	,	,	PUNCT
issue-1691	25	18	ensured	ensure	VERB
issue-1691	25	19	faster	fast	ADJ
issue-1691	25	20	and	and	CCONJ
issue-1691	25	21	cheaper	cheap	ADJ
issue-1691	25	22	access	access	NOUN
issue-1691	25	23	to	to	ADP
issue-1691	25	24	a	a	DET
issue-1691	25	25	wide	wide	ADJ
issue-1691	25	26	range	range	NOUN
issue-1691	25	27	of	of	ADP
issue-1691	25	28	financial	financial	ADJ
issue-1691	25	29	services	service	NOUN
issue-1691	25	30	,	,	PUNCT
issue-1691	25	31	removing	remove	VERB
issue-1691	25	32	physical	physical	ADJ
issue-1691	25	33	barriers	barrier	NOUN
issue-1691	25	34	and	and	CCONJ
issue-1691	25	35	eliminating	eliminate	VERB
issue-1691	25	36	the	the	DET
issue-1691	25	37	need	need	NOUN
issue-1691	25	38	for	for	ADP
issue-1691	25	39	traditional	traditional	ADJ
issue-1691	25	40	mediators	mediator	NOUN
issue-1691	25	41	,	,	PUNCT
issue-1691	25	42	and	and	CCONJ
issue-1691	25	43	deeply	deeply	ADV
issue-1691	25	44	transforming	transform	VERB
issue-1691	25	45	the	the	DET
issue-1691	25	46	financial	financial	ADJ
issue-1691	25	47	sector	sector	NOUN
issue-1691	25	48	.	.	PUNCT
issue-1691	26	1	digital	digital	ADJ
issue-1691	26	2	payment	payment	NOUN
issue-1691	26	3	technologies	technology	NOUN
issue-1691	26	4	(	(	PUNCT
issue-1691	26	5	paytech	paytech	ADJ
issue-1691	26	6	)	)	PUNCT
issue-1691	26	7	,	,	PUNCT
issue-1691	26	8	which	which	PRON
issue-1691	26	9	acquired	acquire	VERB
issue-1691	26	10	infrastructural	infrastructural	ADJ
issue-1691	26	11	quality	quality	NOUN
issue-1691	26	12	,	,	PUNCT
issue-1691	26	13	particularly	particularly	ADV
issue-1691	26	14	in	in	ADP
issue-1691	26	15	the	the	DET
issue-1691	26	16	context	context	NOUN
issue-1691	26	17	of	of	ADP
issue-1691	26	18	the	the	DET
issue-1691	26	19	development	development	NOUN
issue-1691	26	20	of	of	ADP
issue-1691	26	21	other	other	ADJ
issue-1691	26	22	digital	digital	ADJ
issue-1691	26	23	economy	economy	NOUN
issue-1691	26	24	branches	branch	NOUN
issue-1691	26	25	,	,	PUNCT
issue-1691	26	26	became	become	VERB
issue-1691	26	27	one	one	NUM
issue-1691	26	28	of	of	ADP
issue-1691	26	29	the	the	DET
issue-1691	26	30	major	major	ADJ
issue-1691	26	31	trends	trend	NOUN
issue-1691	26	32	in	in	ADP
issue-1691	26	33	fintech	fintech	NOUN
issue-1691	26	34	.	.	PUNCT
issue-1691	27	1	a	a	DET
issue-1691	27	2	surge	surge	NOUN
issue-1691	27	3	in	in	ADP
issue-1691	27	4	demand	demand	NOUN
issue-1691	27	5	for	for	ADP
issue-1691	27	6	electronic	electronic	ADJ
issue-1691	27	7	payment	payment	NOUN
issue-1691	27	8	services	service	NOUN
issue-1691	27	9	(	(	PUNCT
issue-1691	27	10	eps	eps	PROPN
issue-1691	27	11	–	–	PUNCT
issue-1691	27	12	in	in	ADP
issue-1691	27	13	singular	singular	NOUN
issue-1691	27	14	and	and	CCONJ
issue-1691	27	15	plural	plural	ADJ
issue-1691	27	16	forms	form	NOUN
issue-1691	27	17	)	)	PUNCT
issue-1691	27	18	created	create	VERB
issue-1691	27	19	a	a	DET
issue-1691	27	20	demand	demand	NOUN
issue-1691	27	21	for	for	ADP
issue-1691	27	22	electronic	electronic	ADJ
issue-1691	27	23	payment	payment	NOUN
issue-1691	27	24	system	system	NOUN
issue-1691	27	25	(	(	PUNCT
issue-1691	27	26	e	e	NOUN
issue-1691	27	27	-	-	NOUN
issue-1691	27	28	payment	payment	NOUN
issue-1691	27	29	system	system	NOUN
issue-1691	27	30	)	)	PUNCT
issue-1691	27	31	,	,	PUNCT
issue-1691	27	32	which	which	PRON
issue-1691	27	33	turned	turn	VERB
issue-1691	27	34	into	into	ADP
issue-1691	27	35	an	an	DET
issue-1691	27	36	integral	integral	ADJ
issue-1691	27	37	element	element	NOUN
issue-1691	27	38	of	of	ADP
issue-1691	27	39	modern	modern	ADJ
issue-1691	27	40	payment	payment	NOUN
issue-1691	27	41	infrastructure	infrastructure	NOUN
issue-1691	27	42	.	.	PUNCT
issue-1691	28	1	apart	apart	ADV
issue-1691	28	2	from	from	ADP
issue-1691	28	3	the	the	DET
issue-1691	28	4	bank	bank	NOUN
issue-1691	28	5	cards	card	NOUN
issue-1691	28	6	,	,	PUNCT
issue-1691	28	7	an	an	DET
issue-1691	28	8	increased	increase	VERB
issue-1691	28	9	use	use	NOUN
issue-1691	28	10	is	be	AUX
issue-1691	28	11	being	be	AUX
issue-1691	28	12	made	make	VERB
issue-1691	28	13	of	of	ADP
issue-1691	28	14	electronic	electronic	ADJ
issue-1691	28	15	currencies	currency	NOUN
issue-1691	28	16	,	,	PUNCT
issue-1691	28	17	contactless	contactless	ADJ
issue-1691	28	18	payment	payment	NOUN
issue-1691	28	19	tools	tool	NOUN
issue-1691	28	20	,	,	PUNCT
issue-1691	28	21	payment	payment	NOUN
issue-1691	28	22	means	mean	NOUN
issue-1691	28	23	using	use	VERB
issue-1691	28	24	internet	internet	NOUN
issue-1691	28	25	and	and	CCONJ
issue-1691	28	26	mobile	mobile	NOUN
issue-1691	28	27	technologies	technology	NOUN
issue-1691	28	28	,	,	PUNCT
issue-1691	28	29	which	which	PRON
issue-1691	28	30	operate	operate	VERB
issue-1691	28	31	based	base	VERB
issue-1691	28	32	on	on	ADP
issue-1691	28	33	special	special	ADJ
issue-1691	28	34	services	service	NOUN
issue-1691	28	35	and	and	CCONJ
issue-1691	28	36	applications	application	NOUN
issue-1691	28	37	.	.	PUNCT
issue-1691	29	1	electronic	electronic	ADJ
issue-1691	29	2	payment	payment	NOUN
issue-1691	29	3	systems	system	NOUN
issue-1691	29	4	connect	connect	VERB
issue-1691	29	5	multiple	multiple	ADJ
issue-1691	29	6	participants	participant	NOUN
issue-1691	29	7	and	and	CCONJ
issue-1691	29	8	ensure	ensure	VERB
issue-1691	29	9	sophisticated	sophisticated	ADJ
issue-1691	29	10	technological	technological	ADJ
issue-1691	29	11	operations	operation	NOUN
issue-1691	29	12	related	relate	VERB
issue-1691	29	13	to	to	ADP
issue-1691	29	14	the	the	DET
issue-1691	29	15	movement	movement	NOUN
issue-1691	29	16	of	of	ADP
issue-1691	29	17	huge	huge	ADJ
issue-1691	29	18	flows	flow	NOUN
issue-1691	29	19	of	of	ADP
issue-1691	29	20	payment	payment	NOUN
issue-1691	29	21	information	information	NOUN
issue-1691	29	22	and	and	CCONJ
issue-1691	29	23	data	datum	NOUN
issue-1691	29	24	.	.	PUNCT
issue-1691	30	1	at	at	ADP
issue-1691	30	2	the	the	DET
issue-1691	30	3	same	same	ADJ
issue-1691	30	4	time	time	NOUN
issue-1691	30	5	,	,	PUNCT
issue-1691	30	6	electronic	electronic	ADJ
issue-1691	30	7	payment	payment	NOUN
issue-1691	30	8	system	system	NOUN
issue-1691	30	9	operation	operation	NOUN
issue-1691	30	10	is	be	AUX
issue-1691	30	11	imperatively	imperatively	ADV
issue-1691	30	12	regulated	regulate	VERB
issue-1691	30	13	at	at	ADP
issue-1691	30	14	the	the	DET
issue-1691	30	15	national	national	ADJ
issue-1691	30	16	and	and	CCONJ
issue-1691	30	17	international	international	ADJ
issue-1691	30	18	levels	level	NOUN
issue-1691	30	19	,	,	PUNCT
issue-1691	30	20	which	which	PRON
issue-1691	30	21	involves	involve	VERB
issue-1691	30	22	the	the	DET
issue-1691	30	23	compliance	compliance	NOUN
issue-1691	30	24	with	with	ADP
issue-1691	30	25	a	a	DET
issue-1691	30	26	wide	wide	ADJ
issue-1691	30	27	range	range	NOUN
issue-1691	30	28	of	of	ADP
issue-1691	30	29	regulatory	regulatory	ADJ
issue-1691	30	30	standards	standard	NOUN
issue-1691	30	31	supplemented	supplement	VERB
issue-1691	30	32	by	by	ADP
issue-1691	30	33	the	the	DET
issue-1691	30	34	increasing	increase	VERB
issue-1691	30	35	security	security	NOUN
issue-1691	30	36	requirements	requirement	NOUN
issue-1691	30	37	.	.	PUNCT
issue-1691	31	1	furthermore	furthermore	ADV
issue-1691	31	2	,	,	PUNCT
issue-1691	31	3	a	a	DET
issue-1691	31	4	pressing	press	VERB
issue-1691	31	5	concern	concern	NOUN
issue-1691	31	6	of	of	ADP
issue-1691	31	7	the	the	DET
issue-1691	31	8	new	new	ADJ
issue-1691	31	9	market	market	NOUN
issue-1691	31	10	of	of	ADP
issue-1691	31	11	eps	eps	PROPN
issue-1691	31	12	is	be	AUX
issue-1691	31	13	fraud	fraud	NOUN
issue-1691	31	14	,	,	PUNCT
issue-1691	31	15	various	various	ADJ
issue-1691	31	16	types	type	NOUN
issue-1691	31	17	of	of	ADP
issue-1691	31	18	which	which	PRON
issue-1691	31	19	can	can	AUX
issue-1691	31	20	result	result	VERB
issue-1691	31	21	in	in	ADP
issue-1691	31	22	significant	significant	ADJ
issue-1691	31	23	losses	loss	NOUN
issue-1691	31	24	.	.	PUNCT
issue-1691	32	1	on	on	ADP
issue-1691	32	2	the	the	DET
issue-1691	32	3	other	other	ADJ
issue-1691	32	4	hand	hand	NOUN
issue-1691	32	5	,	,	PUNCT
issue-1691	32	6	along	along	ADP
issue-1691	32	7	with	with	ADP
issue-1691	32	8	an	an	DET
issue-1691	32	9	increasing	increase	VERB
issue-1691	32	10	demand	demand	NOUN
issue-1691	32	11	for	for	ADP
issue-1691	32	12	eps	eps	PROPN
issue-1691	32	13	,	,	PUNCT
issue-1691	32	14	consumers	consumer	NOUN
issue-1691	32	15	have	have	VERB
issue-1691	32	16	increasingly	increasingly	ADV
issue-1691	32	17	higher	high	ADJ
issue-1691	32	18	expectations	expectation	NOUN
issue-1691	32	19	of	of	ADP
issue-1691	32	20	the	the	DET
issue-1691	32	21	quality	quality	NOUN
issue-1691	32	22	of	of	ADP
issue-1691	32	23	such	such	ADJ
issue-1691	32	24	services	service	NOUN
issue-1691	32	25	,	,	PUNCT
issue-1691	32	26	which	which	PRON
issue-1691	32	27	includes	include	VERB
issue-1691	32	28	reliability	reliability	NOUN
issue-1691	32	29	,	,	PUNCT
issue-1691	32	30	high	high	ADJ
issue-1691	32	31	speed	speed	NOUN
issue-1691	32	32	,	,	PUNCT
issue-1691	32	33	timeliness	timeliness	NOUN
issue-1691	32	34	,	,	PUNCT
issue-1691	32	35	full	full	ADJ
issue-1691	32	36	scope	scope	NOUN
issue-1691	32	37	and	and	CCONJ
issue-1691	32	38	security	security	NOUN
issue-1691	32	39	when	when	SCONJ
issue-1691	32	40	effecting	effect	VERB
issue-1691	32	41	the	the	DET
issue-1691	32	42	payment	payment	NOUN
issue-1691	32	43	as	as	ADV
issue-1691	32	44	well	well	ADV
issue-1691	32	45	as	as	ADP
issue-1691	32	46	minimization	minimization	NOUN
issue-1691	32	47	of	of	ADP
issue-1691	32	48	risks	risk	NOUN
issue-1691	32	49	.	.	PUNCT
issue-1691	33	1	all	all	PRON
issue-1691	33	2	of	of	ADP
issue-1691	33	3	these	these	DET
issue-1691	33	4	things	thing	NOUN
issue-1691	33	5	put	put	VERB
issue-1691	33	6	"	"	PUNCT
issue-1691	33	7	pressure	pressure	NOUN
issue-1691	33	8	"	"	PUNCT
issue-1691	33	9	on	on	ADP
issue-1691	33	10	expenditures	expenditure	NOUN
issue-1691	33	11	incurred	incur	VERB
issue-1691	33	12	by	by	ADP
issue-1691	33	13	eps	ep	NOUN
issue-1691	33	14	providers	provider	NOUN
issue-1691	33	15	;	;	PUNCT
issue-1691	33	16	however	however	ADV
issue-1691	33	17	,	,	PUNCT
issue-1691	33	18	in	in	ADP
issue-1691	33	19	the	the	DET
issue-1691	33	20	environment	environment	NOUN
issue-1691	33	21	of	of	ADP
issue-1691	33	22	increased	increase	VERB
issue-1691	33	23	competitiveness	competitiveness	NOUN
issue-1691	33	24	,	,	PUNCT
issue-1691	33	25	a	a	DET
issue-1691	33	26	rise	rise	NOUN
issue-1691	33	27	in	in	ADP
issue-1691	33	28	the	the	DET
issue-1691	33	29	cost	cost	NOUN
issue-1691	33	30	of	of	ADP
issue-1691	33	31	such	such	ADJ
issue-1691	33	32	services	service	NOUN
issue-1691	33	33	is	be	AUX
issue-1691	33	34	limited	limited	ADJ
issue-1691	33	35	.	.	PUNCT
issue-1691	34	1	therefore	therefore	ADV
issue-1691	34	2	,	,	PUNCT
issue-1691	34	3	one	one	NUM
issue-1691	34	4	of	of	ADP
issue-1691	34	5	the	the	DET
issue-1691	34	6	critical	critical	ADJ
issue-1691	34	7	problems	problem	NOUN
issue-1691	34	8	of	of	ADP
issue-1691	34	9	the	the	DET
issue-1691	34	10	sustainable	sustainable	ADJ
issue-1691	34	11	operation	operation	NOUN
issue-1691	34	12	and	and	CCONJ
issue-1691	34	13	development	development	NOUN
issue-1691	34	14	of	of	ADP
issue-1691	34	15	electronic	electronic	ADJ
issue-1691	34	16	payment	payment	NOUN
issue-1691	34	17	system	system	NOUN
issue-1691	34	18	is	be	AUX
issue-1691	34	19	to	to	PART
issue-1691	34	20	raise	raise	VERB
issue-1691	34	21	the	the	DET
issue-1691	34	22	level	level	NOUN
issue-1691	34	23	of	of	ADP
issue-1691	34	24	economic	economic	ADJ
issue-1691	34	25	effectiveness	effectiveness	NOUN
issue-1691	34	26	of	of	ADP
issue-1691	34	27	eps	eps	PROPN
issue-1691	34	28	,	,	PUNCT
issue-1691	34	29	which	which	PRON
issue-1691	34	30	encompasses	encompass	VERB
issue-1691	34	31	not	not	PART
issue-1691	34	32	only	only	ADV
issue-1691	34	33	its	its	PRON
issue-1691	34	34	benefits	benefit	NOUN
issue-1691	34	35	to	to	ADP
issue-1691	34	36	eps	eps	NOUN
issue-1691	34	37	providers	provider	NOUN
issue-1691	34	38	(	(	PUNCT
issue-1691	34	39	paytech	paytech	NOUN
issue-1691	34	40	companies	company	NOUN
issue-1691	34	41	)	)	PUNCT
issue-1691	34	42	,	,	PUNCT
issue-1691	34	43	but	but	CCONJ
issue-1691	34	44	also	also	ADV
issue-1691	34	45	ensuring	ensure	VERB
issue-1691	34	46	a	a	DET
issue-1691	34	47	high	high	ADJ
issue-1691	34	48	quality	quality	NOUN
issue-1691	34	49	of	of	ADP
issue-1691	34	50	eps	eps	PROPN
issue-1691	34	51	for	for	ADP
issue-1691	34	52	the	the	DET
issue-1691	34	53	consumers	consumer	NOUN
issue-1691	34	54	and	and	CCONJ
issue-1691	34	55	compliance	compliance	NOUN
issue-1691	34	56	with	with	ADP
issue-1691	34	57	all	all	DET
issue-1691	34	58	regulatory	regulatory	ADJ
issue-1691	34	59	standards	standard	NOUN
issue-1691	34	60	and	and	CCONJ
issue-1691	34	61	requirements	requirement	NOUN
issue-1691	34	62	in	in	ADP
issue-1691	34	63	the	the	DET
issue-1691	34	64	sphere	sphere	NOUN
issue-1691	34	65	of	of	ADP
issue-1691	34	66	security	security	NOUN
issue-1691	34	67	and	and	CCONJ
issue-1691	34	68	risk	risk	NOUN
issue-1691	34	69	minimization	minimization	NOUN
issue-1691	34	70	.	.	PUNCT
issue-1691	35	1	addressing	address	VERB
issue-1691	35	2	the	the	DET
issue-1691	35	3	problem	problem	NOUN
issue-1691	35	4	of	of	ADP
issue-1691	35	5	the	the	DET
issue-1691	35	6	effective	effective	ADJ
issue-1691	35	7	delivery	delivery	NOUN
issue-1691	35	8	of	of	ADP
issue-1691	35	9	eps	eps	PROPN
issue-1691	35	10	becomes	become	VERB
issue-1691	35	11	more	more	ADV
issue-1691	35	12	complicated	complicated	ADJ
issue-1691	35	13	as	as	SCONJ
issue-1691	35	14	the	the	DET
issue-1691	35	15	payment	payment	NOUN
issue-1691	35	16	industry	industry	NOUN
issue-1691	35	17	more	more	ADJ
issue-1691	35	18	and	and	CCONJ
issue-1691	35	19	more	more	ADJ
issue-1691	35	20	enters	enter	VERB
issue-1691	35	21	the	the	DET
issue-1691	35	22	international	international	ADJ
issue-1691	35	23	market	market	NOUN
issue-1691	35	24	in	in	ADP
issue-1691	35	25	the	the	DET
issue-1691	35	26	context	context	NOUN
issue-1691	35	27	of	of	ADP
issue-1691	35	28	the	the	DET
issue-1691	35	29	formation	formation	NOUN
issue-1691	35	30	of	of	ADP
issue-1691	35	31	the	the	DET
issue-1691	35	32	global	global	ADJ
issue-1691	35	33	digital	digital	ADJ
issue-1691	35	34	economy	economy	NOUN
issue-1691	35	35	.	.	PUNCT
issue-1691	36	1	the	the	DET
issue-1691	36	2	effectiveness	effectiveness	NOUN
issue-1691	36	3	should	should	AUX
issue-1691	36	4	be	be	AUX
issue-1691	36	5	considered	consider	VERB
issue-1691	36	6	as	as	ADP
issue-1691	36	7	a	a	DET
issue-1691	36	8	precondition	precondition	NOUN
issue-1691	36	9	for	for	ADP
issue-1691	36	10	further	further	ADJ
issue-1691	36	11	development	development	NOUN
issue-1691	36	12	and	and	CCONJ
issue-1691	36	13	unleashing	unleash	VERB
issue-1691	36	14	the	the	DET
issue-1691	36	15	potential	potential	NOUN
issue-1691	36	16	of	of	ADP
issue-1691	36	17	electronic	electronic	ADJ
issue-1691	36	18	payment	payment	NOUN
issue-1691	36	19	systems	system	NOUN
issue-1691	36	20	in	in	ADP
issue-1691	36	21	the	the	DET
issue-1691	36	22	global	global	ADJ
issue-1691	36	23	economy	economy	NOUN
issue-1691	36	24	.	.	PUNCT
issue-1691	37	1	2	2	X
issue-1691	37	2	.	.	X
issue-1691	37	3	literature	literature	NOUN
issue-1691	37	4	review	review	VERB
issue-1691	37	5	the	the	DET
issue-1691	37	6	digitalization	digitalization	NOUN
issue-1691	37	7	of	of	ADP
issue-1691	37	8	the	the	DET
issue-1691	37	9	sphere	sphere	NOUN
issue-1691	37	10	of	of	ADP
issue-1691	37	11	financial	financial	ADJ
issue-1691	37	12	services	service	NOUN
issue-1691	37	13	and	and	CCONJ
issue-1691	37	14	development	development	NOUN
issue-1691	37	15	of	of	ADP
issue-1691	37	16	fintech	fintech	NOUN
issue-1691	37	17	raise	raise	VERB
issue-1691	37	18	great	great	ADJ
issue-1691	37	19	interest	interest	NOUN
issue-1691	37	20	among	among	ADP
issue-1691	37	21	the	the	DET
issue-1691	37	22	scientific	scientific	ADJ
issue-1691	37	23	community	community	NOUN
issue-1691	37	24	,	,	PUNCT
issue-1691	37	25	which	which	PRON
issue-1691	37	26	is	be	AUX
issue-1691	37	27	demonstrated	demonstrate	VERB
issue-1691	37	28	by	by	ADP
issue-1691	37	29	the	the	DET
issue-1691	37	30	increasing	increase	VERB
issue-1691	37	31	number	number	NOUN
issue-1691	37	32	of	of	ADP
issue-1691	37	33	studies	study	NOUN
issue-1691	37	34	covering	cover	VERB
issue-1691	37	35	a	a	DET
issue-1691	37	36	wide	wide	ADJ
issue-1691	37	37	spectrum	spectrum	NOUN
issue-1691	37	38	of	of	ADP
issue-1691	37	39	areas	area	NOUN
issue-1691	37	40	(	(	PUNCT
issue-1691	37	41	e.	e.	PROPN
issue-1691	37	42	milian	milian	PROPN
issue-1691	37	43	,	,	PUNCT
issue-1691	37	44	m.	m.	NOUN
issue-1691	37	45	de	de	PROPN
issue-1691	37	46	spinola	spinola	PROPN
issue-1691	37	47	,	,	PUNCT
issue-1691	37	48	m.	m.	NOUN
issue-1691	37	49	de	de	PROPN
issue-1691	37	50	carvalho	carvalho	PROPN
issue-1691	37	51	,	,	PUNCT
issue-1691	37	52	2019	2019	NUM
issue-1691	37	53	)	)	PUNCT
issue-1691	37	54	.	.	PUNCT
issue-1691	38	1	digital	digital	ADJ
issue-1691	38	2	economy	economy	NOUN
issue-1691	38	3	is	be	AUX
issue-1691	38	4	globalizing	globalize	VERB
issue-1691	38	5	and	and	CCONJ
issue-1691	38	6	is	be	AUX
issue-1691	38	7	considered	consider	VERB
issue-1691	38	8	as	as	ADP
issue-1691	38	9	e	e	NOUN
issue-1691	38	10	-	-	NOUN
issue-1691	38	11	globalization	globalization	NOUN
issue-1691	38	12	(	(	PUNCT
issue-1691	38	13	g.	g.	PROPN
issue-1691	38	14	zekos	zekos	PROPN
issue-1691	38	15	,	,	PUNCT
issue-1691	38	16	2021	2021	NUM
issue-1691	38	17	)	)	PUNCT
issue-1691	38	18	.	.	PUNCT
issue-1691	39	1	fintech	fintech	NOUN
issue-1691	39	2	is	be	AUX
issue-1691	39	3	being	be	AUX
issue-1691	39	4	developed	develop	VERB
issue-1691	39	5	in	in	ADP
issue-1691	39	6	line	line	NOUN
issue-1691	39	7	with	with	ADP
issue-1691	39	8	the	the	DET
issue-1691	39	9	global	global	ADJ
issue-1691	39	10	trends	trend	NOUN
issue-1691	39	11	in	in	ADP
issue-1691	39	12	digital	digital	ADJ
issue-1691	39	13	transformations	transformation	NOUN
issue-1691	39	14	and	and	CCONJ
issue-1691	39	15	it	it	PRON
issue-1691	39	16	becomes	become	VERB
issue-1691	39	17	a	a	DET
issue-1691	39	18	new	new	ADJ
issue-1691	39	19	foundation	foundation	NOUN
issue-1691	39	20	for	for	ADP
issue-1691	39	21	economic	economic	ADJ
issue-1691	39	22	globalization	globalization	NOUN
issue-1691	39	23	(	(	PUNCT
issue-1691	39	24	j.	j.	PROPN
issue-1691	39	25	hill	hill	PROPN
issue-1691	39	26	,	,	PUNCT
issue-1691	39	27	2018	2018	NUM
issue-1691	39	28	)	)	PUNCT
issue-1691	39	29	.	.	PUNCT
issue-1691	40	1	like	like	ADP
issue-1691	40	2	other	other	ADJ
issue-1691	40	3	areas	area	NOUN
issue-1691	40	4	of	of	ADP
issue-1691	40	5	digital	digital	ADJ
issue-1691	40	6	economy	economy	NOUN
issue-1691	40	7	,	,	PUNCT
issue-1691	40	8	fintech	fintech	NOUN
issue-1691	40	9	is	be	AUX
issue-1691	40	10	characterized	characterize	VERB
issue-1691	40	11	by	by	ADP
issue-1691	40	12	a	a	DET
issue-1691	40	13	high	high	ADJ
issue-1691	40	14	level	level	NOUN
issue-1691	40	15	of	of	ADP
issue-1691	40	16	internationalization	internationalization	NOUN
issue-1691	40	17	and	and	CCONJ
issue-1691	40	18	globalization	globalization	NOUN
issue-1691	40	19	,	,	PUNCT
issue-1691	40	20	which	which	PRON
issue-1691	40	21	provides	provide	VERB
issue-1691	40	22	the	the	DET
issue-1691	40	23	necessary	necessary	ADJ
issue-1691	40	24	context	context	NOUN
issue-1691	40	25	for	for	ADP
issue-1691	40	26	its	its	PRON
issue-1691	40	27	development	development	NOUN
issue-1691	40	28	(	(	PUNCT
issue-1691	40	29	o.	o.	PROPN
issue-1691	40	30	manta	manta	PROPN
issue-1691	40	31	,	,	PUNCT
issue-1691	40	32	2021	2021	NUM
issue-1691	40	33	)	)	PUNCT
issue-1691	40	34	.	.	PUNCT
issue-1691	41	1	along	along	ADP
issue-1691	41	2	with	with	ADP
issue-1691	41	3	an	an	DET
issue-1691	41	4	unprecedented	unprecedented	ADJ
issue-1691	41	5	growth	growth	NOUN
issue-1691	41	6	,	,	PUNCT
issue-1691	41	7	the	the	DET
issue-1691	41	8	formation	formation	NOUN
issue-1691	41	9	of	of	ADP
issue-1691	41	10	the	the	DET
issue-1691	41	11	scientific	scientific	ADJ
issue-1691	41	12	concept	concept	NOUN
issue-1691	41	13	of	of	ADP
issue-1691	41	14	fintech	fintech	NOUN
issue-1691	41	15	takes	take	VERB
issue-1691	41	16	place	place	NOUN
issue-1691	41	17	;	;	PUNCT
issue-1691	41	18	there	there	PRON
issue-1691	41	19	is	be	VERB
issue-1691	41	20	a	a	DET
issue-1691	41	21	great	great	ADJ
issue-1691	41	22	discussion	discussion	NOUN
issue-1691	41	23	about	about	ADP
issue-1691	41	24	its	its	PRON
issue-1691	41	25	essence	essence	NOUN
issue-1691	41	26	,	,	PUNCT
issue-1691	41	27	components	component	NOUN
issue-1691	41	28	,	,	PUNCT
issue-1691	41	29	specific	specific	ADJ
issue-1691	41	30	features	feature	NOUN
issue-1691	41	31	,	,	PUNCT
issue-1691	41	32	operation	operation	NOUN
issue-1691	41	33	,	,	PUNCT
issue-1691	41	34	advantages	advantage	NOUN
issue-1691	41	35	,	,	PUNCT
issue-1691	41	36	disadvantages	disadvantage	NOUN
issue-1691	41	37	,	,	PUNCT
issue-1691	41	38	development	development	NOUN
issue-1691	41	39	trends	trend	NOUN
issue-1691	41	40	and	and	CCONJ
issue-1691	41	41	opportunities	opportunity	NOUN
issue-1691	41	42	for	for	ADP
issue-1691	41	43	consumers	consumer	NOUN
issue-1691	41	44	and	and	CCONJ
issue-1691	41	45	business	business	NOUN
issue-1691	41	46	entities	entity	NOUN
issue-1691	41	47	(	(	PUNCT
issue-1691	41	48	p.	p.	NOUN
issue-1691	41	49	schueffel	schueffel	NOUN
issue-1691	41	50	,	,	PUNCT
issue-1691	41	51	2016	2016	NUM
issue-1691	41	52	;	;	PUNCT
issue-1691	41	53	e.	e.	PROPN
issue-1691	41	54	milian	milian	PROPN
issue-1691	41	55	,	,	PUNCT
issue-1691	41	56	m.	m.	NOUN
issue-1691	41	57	de	de	PROPN
issue-1691	41	58	spinola	spinola	PROPN
issue-1691	41	59	,	,	PUNCT
issue-1691	41	60	m.	m.	NOUN
issue-1691	41	61	de	de	PROPN
issue-1691	41	62	carvalho	carvalho	PROPN
issue-1691	41	63	,	,	PUNCT
issue-1691	41	64	2019	2019	NUM
issue-1691	41	65	)	)	PUNCT
issue-1691	41	66	.	.	PUNCT
issue-1691	42	1	fintech	fintech	NOUN
issue-1691	42	2	provided	provide	VERB
issue-1691	42	3	new	new	ADJ
issue-1691	42	4	opportunities	opportunity	NOUN
issue-1691	42	5	not	not	PART
issue-1691	42	6	only	only	ADV
issue-1691	42	7	for	for	ADP
issue-1691	42	8	the	the	DET
issue-1691	42	9	population	population	NOUN
issue-1691	42	10	,	,	PUNCT
issue-1691	42	11	but	but	CCONJ
issue-1691	42	12	also	also	ADV
issue-1691	42	13	for	for	ADP
issue-1691	42	14	business	business	NOUN
issue-1691	42	15	in	in	ADP
issue-1691	42	16	multiple	multiple	ADJ
issue-1691	42	17	economic	economic	ADJ
issue-1691	42	18	branches	branch	NOUN
issue-1691	42	19	;	;	PUNCT
issue-1691	42	20	therefore	therefore	ADV
issue-1691	42	21	,	,	PUNCT
issue-1691	42	22	it	it	PRON
issue-1691	42	23	is	be	AUX
issue-1691	42	24	increasingly	increasingly	ADV
issue-1691	42	25	regarded	regard	VERB
issue-1691	42	26	as	as	ADP
issue-1691	42	27	a	a	DET
issue-1691	42	28	standalone	standalone	NOUN
issue-1691	42	29	industry	industry	NOUN
issue-1691	42	30	(	(	PUNCT
issue-1691	42	31	sector	sector	NOUN
issue-1691	42	32	)	)	PUNCT
issue-1691	42	33	(	(	PUNCT
issue-1691	42	34	h.	h.	PROPN
issue-1691	42	35	knewtson	knewtson	PROPN
issue-1691	42	36	,	,	PUNCT
issue-1691	42	37	z.	z.	PROPN
issue-1691	42	38	rosenbaum	rosenbaum	PROPN
issue-1691	42	39	,	,	PUNCT
issue-1691	42	40	2020	2020	NUM
issue-1691	42	41	)	)	PUNCT
issue-1691	42	42	.	.	PUNCT
issue-1691	43	1	the	the	DET
issue-1691	43	2	application	application	NOUN
issue-1691	43	3	of	of	ADP
issue-1691	43	4	digital	digital	ADJ
issue-1691	43	5	technologies	technology	NOUN
issue-1691	43	6	transforms	transform	VERB
issue-1691	43	7	the	the	DET
issue-1691	43	8	approaches	approach	NOUN
issue-1691	43	9	to	to	ADP
issue-1691	43	10	the	the	DET
issue-1691	43	11	delivery	delivery	NOUN
issue-1691	43	12	and	and	CCONJ
issue-1691	43	13	obtaining	obtaining	NOUN
issue-1691	43	14	of	of	ADP
issue-1691	43	15	financial	financial	ADJ
issue-1691	43	16	services	service	NOUN
issue-1691	43	17	,	,	PUNCT
issue-1691	43	18	models	model	NOUN
issue-1691	43	19	and	and	CCONJ
issue-1691	43	20	mechanisms	mechanism	NOUN
issue-1691	43	21	for	for	ADP
issue-1691	43	22	the	the	DET
issue-1691	43	23	access	access	NOUN
issue-1691	43	24	to	to	ADP
issue-1691	43	25	financial	financial	ADJ
issue-1691	43	26	resources	resource	NOUN
issue-1691	43	27	by	by	ADP
issue-1691	43	28	business	business	NOUN
issue-1691	43	29	entities	entity	NOUN
issue-1691	43	30	and	and	CCONJ
issue-1691	43	31	individuals	individual	NOUN
issue-1691	43	32	(	(	PUNCT
issue-1691	43	33	h.	h.	PROPN
issue-1691	43	34	bollaert	bollaert	PROPN
issue-1691	43	35	,	,	PUNCT
issue-1691	43	36	f.	f.	PROPN
issue-1691	43	37	lopez	lopez	PROPN
issue-1691	43	38	-	-	PUNCT
issue-1691	43	39	de	de	NOUN
issue-1691	43	40	-	-	NOUN
issue-1691	43	41	silanes	silane	NOUN
issue-1691	43	42	,	,	PUNCT
issue-1691	43	43	a.	a.	PROPN
issue-1691	43	44	schwienbacher	schwienbacher	PROPN
issue-1691	43	45	,	,	PUNCT
issue-1691	43	46	2021	2021	NUM
issue-1691	43	47	)	)	PUNCT
issue-1691	43	48	.	.	PUNCT
issue-1691	44	1	fintech	fintech	NOUN
issue-1691	44	2	expansion	expansion	NOUN
issue-1691	44	3	made	make	VERB
issue-1691	44	4	it	it	PRON
issue-1691	44	5	a	a	DET
issue-1691	44	6	powerful	powerful	ADJ
issue-1691	44	7	force	force	NOUN
issue-1691	44	8	for	for	ADP
issue-1691	44	9	the	the	DET
issue-1691	44	10	transformation	transformation	NOUN
issue-1691	44	11	of	of	ADP
issue-1691	44	12	the	the	DET
issue-1691	44	13	financial	financial	ADJ
issue-1691	44	14	sector	sector	NOUN
issue-1691	44	15	,	,	PUNCT
issue-1691	44	16	which	which	PRON
issue-1691	44	17	forced	force	VERB
issue-1691	44	18	financial	financial	ADJ
issue-1691	44	19	institutions	institution	NOUN
issue-1691	44	20	to	to	PART
issue-1691	44	21	adapt	adapt	VERB
issue-1691	44	22	to	to	ADP
issue-1691	44	23	technological	technological	ADJ
issue-1691	44	24	changes	change	NOUN
issue-1691	44	25	(	(	PUNCT
issue-1691	44	26	j.	j.	PROPN
issue-1691	44	27	hill	hill	PROPN
issue-1691	44	28	,	,	PUNCT
issue-1691	44	29	2018	2018	NUM
issue-1691	44	30	)	)	PUNCT
issue-1691	44	31	.	.	PUNCT
issue-1691	45	1	fintech	fintech	NOUN
issue-1691	45	2	does	do	AUX
issue-1691	45	3	not	not	PART
issue-1691	45	4	destroy	destroy	VERB
issue-1691	45	5	the	the	DET
issue-1691	45	6	financial	financial	ADJ
issue-1691	45	7	industry	industry	NOUN
issue-1691	45	8	,	,	PUNCT
issue-1691	45	9	but	but	CCONJ
issue-1691	45	10	streamlines	streamline	VERB
issue-1691	45	11	it	it	PRON
issue-1691	45	12	on	on	ADP
issue-1691	45	13	account	account	NOUN
issue-1691	45	14	of	of	ADP
issue-1691	45	15	wider	wide	ADJ
issue-1691	45	16	use	use	NOUN
issue-1691	45	17	of	of	ADP
issue-1691	45	18	digital	digital	ADJ
issue-1691	45	19	technologies	technology	NOUN
issue-1691	45	20	to	to	PART
issue-1691	45	21	provide	provide	VERB
issue-1691	45	22	financial	financial	ADJ
issue-1691	45	23	services	service	NOUN
issue-1691	45	24	(	(	PUNCT
issue-1691	45	25	y.	y.	PROPN
issue-1691	45	26	wang	wang	PROPN
issue-1691	45	27	,	,	PUNCT
issue-1691	45	28	s.	s.	PROPN
issue-1691	45	29	xiuping	xiuping	PROPN
issue-1691	45	30	,	,	PUNCT
issue-1691	45	31	q.	q.	PROPN
issue-1691	45	32	zhang	zhang	PROPN
issue-1691	45	33	,	,	PUNCT
issue-1691	45	34	2021	2021	NUM
issue-1691	45	35	;	;	PUNCT
issue-1691	45	36	a.	a.	NOUN
issue-1691	45	37	thankor	thankor	PROPN
issue-1691	45	38	,	,	PUNCT
issue-1691	45	39	2020	2020	NUM
issue-1691	45	40	)	)	PUNCT
issue-1691	45	41	.	.	PUNCT
issue-1691	46	1	naturally	naturally	ADV
issue-1691	46	2	,	,	PUNCT
issue-1691	46	3	it	it	PRON
issue-1691	46	4	raises	raise	VERB
issue-1691	46	5	concerns	concern	NOUN
issue-1691	46	6	about	about	ADP
issue-1691	46	7	financial	financial	ADJ
issue-1691	46	8	institutions	institution	NOUN
issue-1691	46	9	and	and	CCONJ
issue-1691	46	10	stability	stability	NOUN
issue-1691	46	11	(	(	PUNCT
issue-1691	46	12	d.	d.	PROPN
issue-1691	46	13	fung	fung	PROPN
issue-1691	46	14	,	,	PUNCT
issue-1691	46	15	w.	w.	PROPN
issue-1691	46	16	lee	lee	PROPN
issue-1691	46	17	,	,	PUNCT
issue-1691	46	18	j.	j.	PROPN
issue-1691	46	19	yeh	yeh	PROPN
issue-1691	46	20	,	,	PUNCT
issue-1691	46	21	f.	f.	PROPN
issue-1691	46	22	yuen	yuen	PROPN
issue-1691	46	23	,	,	PUNCT
issue-1691	46	24	2020	2020	NUM
issue-1691	46	25	)	)	PUNCT
issue-1691	46	26	.	.	PUNCT
issue-1691	47	1	however	however	ADV
issue-1691	47	2	,	,	PUNCT
issue-1691	47	3	they	they	PRON
issue-1691	47	4	only	only	ADV
issue-1691	47	5	emphasize	emphasize	VERB
issue-1691	47	6	the	the	DET
issue-1691	47	7	need	need	NOUN
issue-1691	47	8	to	to	PART
issue-1691	47	9	adapt	adapt	VERB
issue-1691	47	10	regulation	regulation	NOUN
issue-1691	47	11	systems	system	NOUN
issue-1691	47	12	and	and	CCONJ
issue-1691	47	13	create	create	VERB
issue-1691	47	14	the	the	DET
issue-1691	47	15	adequate	adequate	ADJ
issue-1691	47	16	legal	legal	ADJ
issue-1691	47	17	and	and	CCONJ
issue-1691	47	18	financial	financial	ADJ
issue-1691	47	19	conditions	condition	NOUN
issue-1691	47	20	baltic	baltic	ADJ
issue-1691	47	21	journal	journal	PROPN
issue-1691	47	22	of	of	ADP
issue-1691	47	23	economic	economic	ADJ
issue-1691	47	24	studies	study	NOUN
issue-1691	47	25	150	150	NUM
issue-1691	47	26	vol	vol	NOUN
issue-1691	47	27	.	.	PROPN
issue-1691	47	28	8	8	NUM
issue-1691	48	1	no	no	NOUN
issue-1691	48	2	.	.	NOUN
issue-1691	48	3	1	1	NUM
issue-1691	48	4	,	,	PUNCT
issue-1691	48	5	2022	2022	NUM
issue-1691	48	6	as	as	ADV
issue-1691	48	7	well	well	ADV
issue-1691	48	8	as	as	ADP
issue-1691	48	9	to	to	PART
issue-1691	48	10	monitor	monitor	VERB
issue-1691	48	11	fintech	fintech	NOUN
issue-1691	48	12	(	(	PUNCT
issue-1691	48	13	s.	s.	PROPN
issue-1691	48	14	omarova	omarova	PROPN
issue-1691	48	15	,	,	PUNCT
issue-1691	48	16	2021	2021	NUM
issue-1691	48	17	)	)	PUNCT
issue-1691	48	18	.	.	PUNCT
issue-1691	49	1	the	the	DET
issue-1691	49	2	approaches	approach	NOUN
issue-1691	49	3	to	to	ADP
issue-1691	49	4	the	the	DET
issue-1691	49	5	regulation	regulation	NOUN
issue-1691	49	6	of	of	ADP
issue-1691	49	7	this	this	DET
issue-1691	49	8	sphere	sphere	NOUN
issue-1691	49	9	are	be	AUX
issue-1691	49	10	still	still	ADV
issue-1691	49	11	being	be	AUX
issue-1691	49	12	developed	develop	VERB
issue-1691	49	13	,	,	PUNCT
issue-1691	49	14	particularly	particularly	ADV
issue-1691	49	15	in	in	ADP
issue-1691	49	16	terms	term	NOUN
issue-1691	49	17	of	of	ADP
issue-1691	49	18	the	the	DET
issue-1691	49	19	requirements	requirement	NOUN
issue-1691	49	20	to	to	ADP
issue-1691	49	21	cybersecurity	cybersecurity	NOUN
issue-1691	49	22	,	,	PUNCT
issue-1691	49	23	privacy	privacy	NOUN
issue-1691	49	24	,	,	PUNCT
issue-1691	49	25	anti	anti	ADJ
issue-1691	49	26	-	-	ADJ
issue-1691	49	27	fraud	fraud	ADJ
issue-1691	49	28	policies	policy	NOUN
issue-1691	49	29	.	.	PUNCT
issue-1691	50	1	in	in	ADP
issue-1691	50	2	order	order	NOUN
issue-1691	50	3	to	to	PART
issue-1691	50	4	develop	develop	VERB
issue-1691	50	5	fintech	fintech	NOUN
issue-1691	50	6	,	,	PUNCT
issue-1691	50	7	the	the	DET
issue-1691	50	8	governments	government	NOUN
issue-1691	50	9	might	might	AUX
issue-1691	50	10	apply	apply	VERB
issue-1691	50	11	"	"	PUNCT
issue-1691	50	12	regulatory	regulatory	ADJ
issue-1691	50	13	sandboxes	sandbox	NOUN
issue-1691	50	14	"	"	PUNCT
issue-1691	50	15	,	,	PUNCT
issue-1691	50	16	which	which	PRON
issue-1691	50	17	are	be	AUX
issue-1691	50	18	also	also	ADV
issue-1691	50	19	related	relate	VERB
issue-1691	50	20	to	to	ADP
issue-1691	50	21	business	business	NOUN
issue-1691	50	22	incubation	incubation	NOUN
issue-1691	50	23	(	(	PUNCT
issue-1691	50	24	a.	a.	NOUN
issue-1691	50	25	alaassar	alaassar	PROPN
issue-1691	50	26	,	,	PUNCT
issue-1691	50	27	a.-l	a.-l	PROPN
issue-1691	50	28	.	.	PUNCT
issue-1691	51	1	mention	mention	NOUN
issue-1691	51	2	,	,	PUNCT
issue-1691	51	3	t.	t.	PROPN
issue-1691	51	4	aas	aas	PROPN
issue-1691	51	5	,	,	PUNCT
issue-1691	51	6	2021	2021	NUM
issue-1691	51	7	)	)	PUNCT
issue-1691	51	8	and	and	CCONJ
issue-1691	51	9	fostering	foster	VERB
issue-1691	51	10	the	the	DET
issue-1691	51	11	innovations	innovation	NOUN
issue-1691	51	12	(	(	PUNCT
issue-1691	51	13	s.	s.	PROPN
issue-1691	51	14	wang	wang	PROPN
issue-1691	51	15	,	,	PUNCT
issue-1691	51	16	x.	x.	PROPN
issue-1691	51	17	tu	tu	PROPN
issue-1691	51	18	,	,	PUNCT
issue-1691	51	19	h.	h.	PROPN
issue-1691	51	20	chai	chai	PROPN
issue-1691	51	21	,	,	PUNCT
issue-1691	51	22	q.	q.	PROPN
issue-1691	51	23	sun	sun	PROPN
issue-1691	51	24	,	,	PUNCT
issue-1691	51	25	,	,	PUNCT
issue-1691	51	26	j.	j.	PROPN
issue-1691	51	27	wu	wu	PROPN
issue-1691	51	28	,	,	PUNCT
issue-1691	51	29	h.	h.	PROPN
issue-1691	51	30	cai	cai	PROPN
issue-1691	51	31	,	,	PUNCT
issue-1691	51	32	f.-y	f.-y	PROPN
issue-1691	51	33	.	.	PUNCT
issue-1691	52	1	wang	wang	PROPN
issue-1691	52	2	,	,	PUNCT
issue-1691	52	3	2020	2020	NUM
issue-1691	52	4	)	)	PUNCT
issue-1691	52	5	.	.	PUNCT
issue-1691	53	1	at	at	ADP
issue-1691	53	2	the	the	DET
issue-1691	53	3	same	same	ADJ
issue-1691	53	4	time	time	NOUN
issue-1691	53	5	,	,	PUNCT
issue-1691	53	6	fintech	fintech	NOUN
issue-1691	53	7	itself	itself	PRON
issue-1691	53	8	should	should	AUX
issue-1691	53	9	also	also	ADV
issue-1691	53	10	be	be	AUX
issue-1691	53	11	considered	consider	VERB
issue-1691	53	12	as	as	ADP
issue-1691	53	13	a	a	DET
issue-1691	53	14	promi	promi	ADJ
issue-1691	53	15	sing	sing	NOUN
issue-1691	53	16	trend	trend	NOUN
issue-1691	53	17	in	in	ADP
issue-1691	53	18	entrepreneurship	entrepreneurship	NOUN
issue-1691	53	19	and	and	CCONJ
issue-1691	53	20	innovations	innovation	NOUN
issue-1691	53	21	(	(	PUNCT
issue-1691	53	22	a.-l	a.-l	PROPN
issue-1691	53	23	.	.	PUNCT
issue-1691	54	1	mention	mention	NOUN
issue-1691	54	2	,	,	PUNCT
issue-1691	54	3	2019	2019	NUM
issue-1691	54	4	)	)	PUNCT
issue-1691	54	5	.	.	PUNCT
issue-1691	55	1	the	the	DET
issue-1691	55	2	transition	transition	NOUN
issue-1691	55	3	from	from	ADP
issue-1691	55	4	paper	paper	NOUN
issue-1691	55	5	forms	form	NOUN
issue-1691	55	6	of	of	ADP
issue-1691	55	7	money	money	NOUN
issue-1691	55	8	to	to	ADP
issue-1691	55	9	noncash	noncash	NOUN
issue-1691	55	10	electronic	electronic	ADJ
issue-1691	55	11	ones	one	NOUN
issue-1691	55	12	is	be	AUX
issue-1691	55	13	a	a	DET
issue-1691	55	14	global	global	ADJ
issue-1691	55	15	trend	trend	NOUN
issue-1691	55	16	.	.	PUNCT
issue-1691	56	1	electronic	electronic	ADJ
issue-1691	56	2	payment	payment	NOUN
issue-1691	56	3	systems	system	NOUN
issue-1691	56	4	become	become	VERB
issue-1691	56	5	a	a	DET
issue-1691	56	6	part	part	NOUN
issue-1691	56	7	of	of	ADP
issue-1691	56	8	market	market	NOUN
issue-1691	56	9	mechanisms	mechanism	NOUN
issue-1691	56	10	,	,	PUNCT
issue-1691	56	11	providing	provide	VERB
issue-1691	56	12	huge	huge	ADJ
issue-1691	56	13	opportunities	opportunity	NOUN
issue-1691	56	14	for	for	ADP
issue-1691	56	15	sellers	seller	NOUN
issue-1691	56	16	and	and	CCONJ
issue-1691	56	17	consumers	consumer	NOUN
issue-1691	56	18	.	.	PUNCT
issue-1691	57	1	the	the	DET
issue-1691	57	2	recognition	recognition	NOUN
issue-1691	57	3	of	of	ADP
issue-1691	57	4	paytech	paytech	NOUN
issue-1691	57	5	is	be	AUX
issue-1691	57	6	growing	grow	VERB
issue-1691	57	7	with	with	ADP
issue-1691	57	8	an	an	DET
issue-1691	57	9	increase	increase	NOUN
issue-1691	57	10	in	in	ADP
issue-1691	57	11	the	the	DET
issue-1691	57	12	level	level	NOUN
issue-1691	57	13	of	of	ADP
issue-1691	57	14	user	user	NOUN
issue-1691	57	15	friendliness	friendliness	NOUN
issue-1691	57	16	,	,	PUNCT
issue-1691	57	17	reliability	reliability	NOUN
issue-1691	57	18	and	and	CCONJ
issue-1691	57	19	security	security	NOUN
issue-1691	57	20	(	(	PUNCT
issue-1691	57	21	e.	e.	PROPN
issue-1691	57	22	w.	w.	PROPN
issue-1691	57	23	k.	k.	PROPN
issue-1691	57	24	see	see	PROPN
issue-1691	57	25	-	-	PUNCT
issue-1691	57	26	to	to	PART
issue-1691	57	27	,	,	PUNCT
issue-1691	57	28	e.	e.	PROPN
issue-1691	57	29	w.	w.	PROPN
issue-1691	57	30	t.	t.	PROPN
issue-1691	57	31	ngai	ngai	PROPN
issue-1691	57	32	,	,	PUNCT
issue-1691	57	33	2019	2019	NUM
issue-1691	57	34	)	)	PUNCT
issue-1691	57	35	.	.	PUNCT
issue-1691	58	1	in	in	ADP
issue-1691	58	2	recent	recent	ADJ
issue-1691	58	3	years	year	NOUN
issue-1691	58	4	,	,	PUNCT
issue-1691	58	5	an	an	DET
issue-1691	58	6	introduction	introduction	NOUN
issue-1691	58	7	of	of	ADP
issue-1691	58	8	mobile	mobile	ADJ
issue-1691	58	9	technologies	technology	NOUN
issue-1691	58	10	into	into	ADP
issue-1691	58	11	paytech	paytech	NOUN
issue-1691	58	12	sphere	sphere	NOUN
issue-1691	58	13	has	have	AUX
issue-1691	58	14	gained	gain	VERB
issue-1691	58	15	greater	great	ADJ
issue-1691	58	16	momentum	momentum	NOUN
issue-1691	58	17	,	,	PUNCT
issue-1691	58	18	which	which	PRON
issue-1691	58	19	has	have	AUX
issue-1691	58	20	proven	prove	VERB
issue-1691	58	21	their	their	PRON
issue-1691	58	22	usefulness	usefulness	NOUN
issue-1691	58	23	and	and	CCONJ
issue-1691	58	24	benefit	benefit	NOUN
issue-1691	58	25	to	to	ADP
issue-1691	58	26	consumers	consumer	NOUN
issue-1691	58	27	(	(	PUNCT
issue-1691	58	28	i.	i.	PROPN
issue-1691	58	29	r.	r.	PROPN
issue-1691	58	30	de	de	PROPN
issue-1691	58	31	luna	luna	PROPN
issue-1691	58	32	,	,	PUNCT
issue-1691	58	33	f.	f.	PROPN
issue-1691	58	34	liébanacabanillas	liébanacabanillas	PROPN
issue-1691	58	35	,	,	PUNCT
issue-1691	58	36	j.	j.	PROPN
issue-1691	58	37	sánchez	sánchez	PROPN
issue-1691	58	38	-	-	PUNCT
issue-1691	58	39	fernández	fernández	PROPN
issue-1691	58	40	,	,	PUNCT
issue-1691	58	41	f.	f.	PROPN
issue-1691	58	42	muñoz	muñoz	PROPN
issue-1691	58	43	-	-	PUNCT
issue-1691	58	44	leiva	leiva	PROPN
issue-1691	58	45	,	,	PUNCT
issue-1691	58	46	2019	2019	NUM
issue-1691	58	47	)	)	PUNCT
issue-1691	58	48	.	.	PUNCT
issue-1691	59	1	the	the	DET
issue-1691	59	2	use	use	NOUN
issue-1691	59	3	of	of	ADP
issue-1691	59	4	the	the	DET
issue-1691	59	5	modern	modern	ADJ
issue-1691	59	6	electronic	electronic	ADJ
issue-1691	59	7	payment	payment	NOUN
issue-1691	59	8	system	system	NOUN
issue-1691	59	9	provides	provide	VERB
issue-1691	59	10	opportunities	opportunity	NOUN
issue-1691	59	11	for	for	ADP
issue-1691	59	12	new	new	ADJ
issue-1691	59	13	business	business	NOUN
issue-1691	59	14	types	type	NOUN
issue-1691	59	15	and	and	CCONJ
issue-1691	59	16	models	model	NOUN
issue-1691	59	17	.	.	PUNCT
issue-1691	60	1	new	new	ADJ
issue-1691	60	2	payment	payment	NOUN
issue-1691	60	3	mechanisms	mechanism	NOUN
issue-1691	60	4	are	be	AUX
issue-1691	60	5	being	be	AUX
issue-1691	60	6	embedded	embed	VERB
issue-1691	60	7	into	into	ADP
issue-1691	60	8	companies	company	NOUN
issue-1691	60	9	’	’	PART
issue-1691	60	10	websites	website	NOUN
issue-1691	60	11	and	and	CCONJ
issue-1691	60	12	turn	turn	VERB
issue-1691	60	13	into	into	ADP
issue-1691	60	14	a	a	DET
issue-1691	60	15	must	must	AUX
issue-1691	60	16	-	-	PUNCT
issue-1691	60	17	have	have	AUX
issue-1691	60	18	element	element	NOUN
issue-1691	60	19	of	of	ADP
issue-1691	60	20	business	business	NOUN
issue-1691	60	21	(	(	PUNCT
issue-1691	60	22	s.	s.	PROPN
issue-1691	60	23	meng	meng	PROPN
issue-1691	60	24	,	,	PUNCT
issue-1691	60	25	x.	x.	PROPN
issue-1691	61	1	he	he	PRON
issue-1691	61	2	,	,	PUNCT
issue-1691	61	3	x.	x.	PROPN
issue-1691	61	4	tian	tian	PROPN
issue-1691	61	5	,	,	PUNCT
issue-1691	61	6	2021	2021	NUM
issue-1691	61	7	)	)	PUNCT
issue-1691	61	8	.	.	PUNCT
issue-1691	62	1	the	the	DET
issue-1691	62	2	application	application	NOUN
issue-1691	62	3	of	of	ADP
issue-1691	62	4	electronic	electronic	ADJ
issue-1691	62	5	(	(	PUNCT
issue-1691	62	6	digital	digital	ADJ
issue-1691	62	7	)	)	PUNCT
issue-1691	62	8	payments	payment	NOUN
issue-1691	62	9	enables	enable	VERB
issue-1691	62	10	business	business	NOUN
issue-1691	62	11	entities	entity	NOUN
issue-1691	62	12	to	to	PART
issue-1691	62	13	expand	expand	VERB
issue-1691	62	14	their	their	PRON
issue-1691	62	15	activities	activity	NOUN
issue-1691	62	16	and	and	CCONJ
issue-1691	62	17	increase	increase	VERB
issue-1691	62	18	market	market	NOUN
issue-1691	62	19	share	share	NOUN
issue-1691	62	20	,	,	PUNCT
issue-1691	62	21	save	save	VERB
issue-1691	62	22	time	time	NOUN
issue-1691	62	23	and	and	CCONJ
issue-1691	62	24	resources	resource	NOUN
issue-1691	62	25	as	as	ADV
issue-1691	62	26	well	well	ADV
issue-1691	62	27	as	as	ADP
issue-1691	62	28	to	to	PART
issue-1691	62	29	diversify	diversify	VERB
issue-1691	62	30	a	a	DET
issue-1691	62	31	range	range	NOUN
issue-1691	62	32	of	of	ADP
issue-1691	62	33	the	the	DET
issue-1691	62	34	services	service	NOUN
issue-1691	62	35	delivered	deliver	VERB
issue-1691	62	36	to	to	ADP
issue-1691	62	37	consumers	consumer	NOUN
issue-1691	62	38	.	.	PUNCT
issue-1691	63	1	therefore	therefore	ADV
issue-1691	63	2	,	,	PUNCT
issue-1691	63	3	this	this	PRON
issue-1691	63	4	raises	raise	VERB
issue-1691	63	5	the	the	DET
issue-1691	63	6	question	question	NOUN
issue-1691	63	7	of	of	ADP
issue-1691	63	8	the	the	DET
issue-1691	63	9	effectiveness	effectiveness	NOUN
issue-1691	63	10	of	of	ADP
issue-1691	63	11	electronic	electronic	ADJ
issue-1691	63	12	payment	payment	NOUN
issue-1691	63	13	systems	system	NOUN
issue-1691	63	14	themselves	themselves	PRON
issue-1691	63	15	(	(	PUNCT
issue-1691	63	16	m.	m.	PROPN
issue-1691	63	17	nasr	nasr	PROPN
issue-1691	63	18	,	,	PUNCT
issue-1691	63	19	m.	m.	PROPN
issue-1691	63	20	farrag	farrag	PROPN
issue-1691	63	21	,	,	PUNCT
issue-1691	63	22	2020	2020	NUM
issue-1691	63	23	)	)	PUNCT
issue-1691	63	24	.	.	PUNCT
issue-1691	64	1	paytech	paytech	NOUN
issue-1691	64	2	are	be	AUX
issue-1691	64	3	spreading	spread	VERB
issue-1691	64	4	rapidly	rapidly	ADV
issue-1691	64	5	under	under	ADP
issue-1691	64	6	the	the	DET
issue-1691	64	7	influence	influence	NOUN
issue-1691	64	8	of	of	ADP
issue-1691	64	9	e	e	PROPN
issue-1691	64	10	-	-	PROPN
issue-1691	64	11	commerce	commerce	NOUN
issue-1691	64	12	development	development	NOUN
issue-1691	64	13	,	,	PUNCT
issue-1691	64	14	displacing	displace	VERB
issue-1691	64	15	banks	bank	NOUN
issue-1691	64	16	or	or	CCONJ
issue-1691	64	17	spurring	spur	VERB
issue-1691	64	18	innovative	innovative	ADJ
issue-1691	64	19	transformations	transformation	NOUN
issue-1691	64	20	of	of	ADP
issue-1691	64	21	traditional	traditional	ADJ
issue-1691	64	22	payment	payment	NOUN
issue-1691	64	23	systems	system	NOUN
issue-1691	64	24	and	and	CCONJ
issue-1691	64	25	mechanisms	mechanism	NOUN
issue-1691	64	26	(	(	PUNCT
issue-1691	64	27	m.	m.	NOUN
issue-1691	64	28	yao	yao	PROPN
issue-1691	64	29	,	,	PUNCT
issue-1691	64	30	h.	h.	PROPN
issue-1691	64	31	di	di	PROPN
issue-1691	64	32	,	,	PUNCT
issue-1691	64	33	x.	x.	PROPN
issue-1691	64	34	zheng	zheng	PROPN
issue-1691	64	35	,	,	PUNCT
issue-1691	64	36	x.	x.	PROPN
issue-1691	64	37	xu	xu	PROPN
issue-1691	64	38	,	,	PUNCT
issue-1691	64	39	2018	2018	NUM
issue-1691	64	40	)	)	PUNCT
issue-1691	64	41	.	.	PUNCT
issue-1691	65	1	the	the	DET
issue-1691	65	2	growing	grow	VERB
issue-1691	65	3	importance	importance	NOUN
issue-1691	65	4	of	of	ADP
issue-1691	65	5	electronic	electronic	ADJ
issue-1691	65	6	payments	payment	NOUN
issue-1691	65	7	for	for	ADP
issue-1691	65	8	the	the	DET
issue-1691	65	9	population	population	NOUN
issue-1691	65	10	and	and	CCONJ
issue-1691	65	11	business	business	NOUN
issue-1691	65	12	entities	entity	NOUN
issue-1691	65	13	imposes	impose	VERB
issue-1691	65	14	high	high	ADJ
issue-1691	65	15	requirements	requirement	NOUN
issue-1691	65	16	for	for	ADP
issue-1691	65	17	the	the	DET
issue-1691	65	18	effectiveness	effectiveness	NOUN
issue-1691	65	19	,	,	PUNCT
issue-1691	65	20	which	which	PRON
issue-1691	65	21	concerns	concern	VERB
issue-1691	65	22	the	the	DET
issue-1691	65	23	cost	cost	NOUN
issue-1691	65	24	and	and	CCONJ
issue-1691	65	25	quality	quality	NOUN
issue-1691	65	26	of	of	ADP
issue-1691	65	27	eps	eps	PROPN
issue-1691	65	28	.	.	PUNCT
issue-1691	66	1	there	there	PRON
issue-1691	66	2	is	be	VERB
issue-1691	66	3	an	an	DET
issue-1691	66	4	increasing	increase	VERB
issue-1691	66	5	trend	trend	NOUN
issue-1691	66	6	towards	towards	ADP
issue-1691	66	7	the	the	DET
issue-1691	66	8	establish	establish	ADJ
issue-1691	66	9	ment	ment	NOUN
issue-1691	66	10	of	of	ADP
issue-1691	66	11	holistic	holistic	ADJ
issue-1691	66	12	ecosystems	ecosystem	NOUN
issue-1691	66	13	of	of	ADP
issue-1691	66	14	eps	eps	PROPN
issue-1691	66	15	delivery	delivery	NOUN
issue-1691	66	16	,	,	PUNCT
issue-1691	66	17	supplementing	supplement	VERB
issue-1691	66	18	them	they	PRON
issue-1691	66	19	with	with	ADP
issue-1691	66	20	various	various	ADJ
issue-1691	66	21	services	service	NOUN
issue-1691	66	22	,	,	PUNCT
issue-1691	66	23	which	which	PRON
issue-1691	66	24	also	also	ADV
issue-1691	66	25	makes	make	VERB
issue-1691	66	26	it	it	PRON
issue-1691	66	27	more	more	ADV
issue-1691	66	28	difficult	difficult	ADJ
issue-1691	66	29	to	to	PART
issue-1691	66	30	ensure	ensure	VERB
issue-1691	66	31	effective	effective	ADJ
issue-1691	66	32	electronic	electronic	ADJ
issue-1691	66	33	payment	payment	NOUN
issue-1691	66	34	system	system	NOUN
issue-1691	66	35	delivery	delivery	NOUN
issue-1691	66	36	(	(	PUNCT
issue-1691	66	37	i.	i.	PROPN
issue-1691	66	38	lee	lee	PROPN
issue-1691	66	39	,	,	PUNCT
issue-1691	66	40	y.	y.	PROPN
issue-1691	66	41	j.	j.	PROPN
issue-1691	66	42	shin	shin	PROPN
issue-1691	66	43	,	,	PUNCT
issue-1691	66	44	2018	2018	NUM
issue-1691	66	45	)	)	PUNCT
issue-1691	66	46	.	.	PUNCT
issue-1691	67	1	the	the	DET
issue-1691	67	2	development	development	NOUN
issue-1691	67	3	of	of	ADP
issue-1691	67	4	paytech	paytech	NOUN
issue-1691	67	5	faces	face	VERB
issue-1691	67	6	a	a	DET
issue-1691	67	7	lot	lot	NOUN
issue-1691	67	8	of	of	ADP
issue-1691	67	9	challenges	challenge	NOUN
issue-1691	67	10	.	.	PUNCT
issue-1691	68	1	electronic	electronic	ADJ
issue-1691	68	2	payment	payment	NOUN
issue-1691	68	3	systems	system	NOUN
issue-1691	68	4	take	take	VERB
issue-1691	68	5	a	a	DET
issue-1691	68	6	great	great	ADJ
issue-1691	68	7	deal	deal	NOUN
issue-1691	68	8	of	of	ADP
issue-1691	68	9	e	e	NOUN
issue-1691	68	10	-	-	NOUN
issue-1691	68	11	commerce	commerce	NOUN
issue-1691	68	12	risks	risk	NOUN
issue-1691	68	13	,	,	PUNCT
issue-1691	68	14	particularly	particularly	ADV
issue-1691	68	15	those	those	PRON
issue-1691	68	16	related	relate	VERB
issue-1691	68	17	to	to	ADP
issue-1691	68	18	fraud	fraud	NOUN
issue-1691	68	19	,	,	PUNCT
issue-1691	68	20	breach	breach	NOUN
issue-1691	68	21	of	of	ADP
issue-1691	68	22	security	security	NOUN
issue-1691	68	23	and	and	CCONJ
issue-1691	68	24	sensitive	sensitive	ADJ
issue-1691	68	25	data	datum	NOUN
issue-1691	68	26	(	(	PUNCT
issue-1691	68	27	m.	m.	NOUN
issue-1691	68	28	braun	braun	PROPN
issue-1691	68	29	,	,	PUNCT
issue-1691	68	30	j.	j.	PROPN
issue-1691	68	31	mcandrews	mcandrews	PROPN
issue-1691	68	32	,	,	PUNCT
issue-1691	68	33	w.	w.	PROPN
issue-1691	68	34	roberds	roberds	PROPN
issue-1691	68	35	,	,	PUNCT
issue-1691	68	36	r.	r.	PROPN
issue-1691	68	37	sullivan	sullivan	PROPN
issue-1691	68	38	,	,	PUNCT
issue-1691	68	39	2008	2008	NUM
issue-1691	68	40	)	)	PUNCT
issue-1691	68	41	.	.	PUNCT
issue-1691	69	1	the	the	DET
issue-1691	69	2	elimination	elimination	NOUN
issue-1691	69	3	of	of	ADP
issue-1691	69	4	threats	threat	NOUN
issue-1691	69	5	and	and	CCONJ
issue-1691	69	6	minimization	minimization	NOUN
issue-1691	69	7	of	of	ADP
issue-1691	69	8	risks	risk	NOUN
issue-1691	69	9	make	make	VERB
issue-1691	69	10	risk	risk	NOUN
issue-1691	69	11	management	management	NOUN
issue-1691	69	12	more	more	ADV
issue-1691	69	13	critical	critical	ADJ
issue-1691	69	14	(	(	PUNCT
issue-1691	69	15	l.	l.	PROPN
issue-1691	69	16	trautman	trautman	PROPN
issue-1691	69	17	,	,	PUNCT
issue-1691	69	18	2013	2013	NUM
issue-1691	69	19	)	)	PUNCT
issue-1691	69	20	.	.	PUNCT
issue-1691	70	1	the	the	DET
issue-1691	70	2	development	development	NOUN
issue-1691	70	3	of	of	ADP
issue-1691	70	4	paytech	paytech	NOUN
issue-1691	70	5	requires	require	VERB
issue-1691	70	6	profound	profound	ADJ
issue-1691	70	7	changes	change	NOUN
issue-1691	70	8	in	in	ADP
issue-1691	70	9	regulatory	regulatory	ADJ
issue-1691	70	10	systems	system	NOUN
issue-1691	70	11	,	,	PUNCT
issue-1691	70	12	which	which	PRON
issue-1691	70	13	turned	turn	VERB
issue-1691	70	14	to	to	PART
issue-1691	70	15	be	be	AUX
issue-1691	70	16	much	much	ADV
issue-1691	70	17	larger	large	ADJ
issue-1691	70	18	in	in	ADP
issue-1691	70	19	scale	scale	NOUN
issue-1691	70	20	than	than	ADP
issue-1691	70	21	in	in	ADP
issue-1691	70	22	other	other	ADJ
issue-1691	70	23	fintech	fintech	NOUN
issue-1691	70	24	areas	area	NOUN
issue-1691	70	25	(	(	PUNCT
issue-1691	70	26	j.	j.	PROPN
issue-1691	70	27	julapa	julapa	PROPN
issue-1691	70	28	,	,	PUNCT
issue-1691	70	29	j.	j.	PROPN
issue-1691	70	30	kose	kose	PROPN
issue-1691	70	31	,	,	PUNCT
issue-1691	70	32	2018	2018	NUM
issue-1691	70	33	)	)	PUNCT
issue-1691	70	34	.	.	PUNCT
issue-1691	71	1	the	the	DET
issue-1691	71	2	national	national	ADJ
issue-1691	71	3	regulation	regulation	NOUN
issue-1691	71	4	of	of	ADP
issue-1691	71	5	paytech	paytech	NOUN
issue-1691	71	6	as	as	ADV
issue-1691	71	7	well	well	ADV
issue-1691	71	8	as	as	ADP
issue-1691	71	9	international	international	ADJ
issue-1691	71	10	one	one	NUM
issue-1691	71	11	is	be	AUX
issue-1691	71	12	currently	currently	ADV
issue-1691	71	13	being	be	AUX
issue-1691	71	14	actively	actively	ADV
issue-1691	71	15	developed	develop	VERB
issue-1691	71	16	,	,	PUNCT
issue-1691	71	17	particularly	particularly	ADV
issue-1691	71	18	to	to	PART
issue-1691	71	19	ensure	ensure	VERB
issue-1691	71	20	the	the	DET
issue-1691	71	21	international	international	ADJ
issue-1691	71	22	payments	payment	NOUN
issue-1691	71	23	(	(	PUNCT
issue-1691	71	24	a.	a.	PROPN
issue-1691	71	25	b.	b.	PROPN
issue-1691	71	26	radnejad	radnejad	PROPN
issue-1691	71	27	,	,	PUNCT
issue-1691	71	28	o.	o.	PROPN
issue-1691	71	29	osiyevskyy	osiyevskyy	PROPN
issue-1691	71	30	,	,	PUNCT
issue-1691	71	31	o.	o.	PROPN
issue-1691	71	32	scheibel	scheibel	NOUN
issue-1691	71	33	,	,	PUNCT
issue-1691	71	34	2021	2021	NUM
issue-1691	71	35	)	)	PUNCT
issue-1691	71	36	.	.	PUNCT
issue-1691	72	1	however	however	ADV
issue-1691	72	2	,	,	PUNCT
issue-1691	72	3	the	the	DET
issue-1691	72	4	establishment	establishment	NOUN
issue-1691	72	5	of	of	ADP
issue-1691	72	6	regulatory	regulatory	ADJ
issue-1691	72	7	environment	environment	NOUN
issue-1691	72	8	leads	lead	VERB
issue-1691	72	9	to	to	ADP
issue-1691	72	10	the	the	DET
issue-1691	72	11	increased	increase	VERB
issue-1691	72	12	business	business	NOUN
issue-1691	72	13	expenditures	expenditure	NOUN
issue-1691	72	14	on	on	ADP
issue-1691	72	15	compliance	compliance	NOUN
issue-1691	72	16	with	with	ADP
issue-1691	72	17	the	the	DET
issue-1691	72	18	requirements	requirement	NOUN
issue-1691	72	19	.	.	PUNCT
issue-1691	73	1	therefore	therefore	ADV
issue-1691	73	2	,	,	PUNCT
issue-1691	73	3	government	government	NOUN
issue-1691	73	4	support	support	NOUN
issue-1691	73	5	is	be	AUX
issue-1691	73	6	very	very	ADV
issue-1691	73	7	important	important	ADJ
issue-1691	73	8	.	.	PUNCT
issue-1691	74	1	the	the	DET
issue-1691	74	2	world	world	NOUN
issue-1691	74	3	experience	experience	NOUN
issue-1691	74	4	shows	show	VERB
issue-1691	74	5	that	that	SCONJ
issue-1691	74	6	it	it	PRON
issue-1691	74	7	is	be	AUX
issue-1691	74	8	reasonable	reasonable	ADJ
issue-1691	74	9	to	to	PART
issue-1691	74	10	use	use	VERB
issue-1691	74	11	such	such	ADJ
issue-1691	74	12	its	its	PRON
issue-1691	74	13	forms	form	NOUN
issue-1691	74	14	as	as	ADP
issue-1691	74	15	"	"	PUNCT
issue-1691	74	16	regulatory	regulatory	ADJ
issue-1691	74	17	sandboxes	sandbox	NOUN
issue-1691	74	18	"	"	PUNCT
issue-1691	74	19	(	(	PUNCT
issue-1691	74	20	m.	m.	NOUN
issue-1691	74	21	polasik	polasik	NOUN
issue-1691	74	22	,	,	PUNCT
issue-1691	74	23	a.	a.	NOUN
issue-1691	74	24	huterska	huterska	PROPN
issue-1691	74	25	,	,	PUNCT
issue-1691	74	26	r.	r.	PROPN
issue-1691	74	27	iftikhar	iftikhar	PROPN
issue-1691	74	28	,	,	PUNCT
issue-1691	74	29	š	š	PROPN
issue-1691	74	30	.	.	PUNCT
issue-1691	74	31	mikula	mikula	PROPN
issue-1691	74	32	,	,	PUNCT
issue-1691	74	33	2020	2020	NUM
issue-1691	74	34	)	)	PUNCT
issue-1691	74	35	.	.	PUNCT
issue-1691	75	1	despite	despite	SCONJ
issue-1691	75	2	considerable	considerable	ADJ
issue-1691	75	3	attention	attention	NOUN
issue-1691	75	4	to	to	ADP
issue-1691	75	5	the	the	DET
issue-1691	75	6	development	development	NOUN
issue-1691	75	7	of	of	ADP
issue-1691	75	8	paytech	paytech	NOUN
issue-1691	75	9	and	and	CCONJ
issue-1691	75	10	electronic	electronic	ADJ
issue-1691	75	11	payment	payment	NOUN
issue-1691	75	12	systems	system	NOUN
issue-1691	75	13	,	,	PUNCT
issue-1691	75	14	the	the	DET
issue-1691	75	15	academic	academic	ADJ
issue-1691	75	16	community	community	NOUN
issue-1691	75	17	has	have	AUX
issue-1691	75	18	not	not	PART
issue-1691	75	19	yet	yet	ADV
issue-1691	75	20	proposed	propose	VERB
issue-1691	75	21	clear	clear	ADJ
issue-1691	75	22	conceptual	conceptual	ADJ
issue-1691	75	23	principles	principle	NOUN
issue-1691	75	24	for	for	ADP
issue-1691	75	25	improving	improve	VERB
issue-1691	75	26	the	the	DET
issue-1691	75	27	level	level	NOUN
issue-1691	75	28	of	of	ADP
issue-1691	75	29	economic	economic	ADJ
issue-1691	75	30	effectiveness	effectiveness	NOUN
issue-1691	75	31	of	of	ADP
issue-1691	75	32	eps	eps	PROPN
issue-1691	75	33	delivery	delivery	NOUN
issue-1691	75	34	;	;	PUNCT
issue-1691	75	35	and	and	CCONJ
issue-1691	75	36	its	its	PRON
issue-1691	75	37	primary	primary	ADJ
issue-1691	75	38	strategic	strategic	ADJ
issue-1691	75	39	areas	area	NOUN
issue-1691	75	40	in	in	ADP
issue-1691	75	41	conditions	condition	NOUN
issue-1691	75	42	of	of	ADP
issue-1691	75	43	the	the	DET
issue-1691	75	44	global	global	ADJ
issue-1691	75	45	digital	digital	ADJ
issue-1691	75	46	economy	economy	NOUN
issue-1691	75	47	have	have	AUX
issue-1691	75	48	not	not	PART
issue-1691	75	49	been	be	AUX
issue-1691	75	50	identified	identify	VERB
issue-1691	75	51	.	.	PUNCT
issue-1691	76	1	it	it	PRON
issue-1691	76	2	is	be	AUX
issue-1691	76	3	particularly	particularly	ADV
issue-1691	76	4	important	important	ADJ
issue-1691	76	5	in	in	ADP
issue-1691	76	6	the	the	DET
issue-1691	76	7	context	context	NOUN
issue-1691	76	8	of	of	ADP
issue-1691	76	9	the	the	DET
issue-1691	76	10	increased	increase	VERB
issue-1691	76	11	international	international	ADJ
issue-1691	76	12	payments	payment	NOUN
issue-1691	76	13	and	and	CCONJ
issue-1691	76	14	intensified	intensify	VERB
issue-1691	76	15	competition	competition	NOUN
issue-1691	76	16	on	on	ADP
issue-1691	76	17	the	the	DET
issue-1691	76	18	market	market	NOUN
issue-1691	76	19	of	of	ADP
issue-1691	76	20	eps	eps	PROPN
issue-1691	76	21	delivery	delivery	NOUN
issue-1691	76	22	.	.	PUNCT
issue-1691	77	1	3	3	X
issue-1691	77	2	.	.	X
issue-1691	78	1	the	the	DET
issue-1691	78	2	research	research	NOUN
issue-1691	78	3	objective	objective	NOUN
issue-1691	78	4	the	the	DET
issue-1691	78	5	goal	goal	NOUN
issue-1691	78	6	of	of	ADP
issue-1691	78	7	the	the	DET
issue-1691	78	8	research	research	NOUN
issue-1691	78	9	is	be	AUX
issue-1691	78	10	to	to	PART
issue-1691	78	11	develop	develop	VERB
issue-1691	78	12	the	the	DET
issue-1691	78	13	conceptual	conceptual	ADJ
issue-1691	78	14	framework	framework	NOUN
issue-1691	78	15	and	and	CCONJ
issue-1691	78	16	identify	identify	VERB
issue-1691	78	17	the	the	DET
issue-1691	78	18	key	key	ADJ
issue-1691	78	19	areas	area	NOUN
issue-1691	78	20	for	for	ADP
issue-1691	78	21	improving	improve	VERB
issue-1691	78	22	the	the	DET
issue-1691	78	23	economic	economic	ADJ
issue-1691	78	24	effectiveness	effectiveness	NOUN
issue-1691	78	25	of	of	ADP
issue-1691	78	26	eps	eps	NOUN
issue-1691	78	27	delivery	delivery	NOUN
issue-1691	78	28	in	in	ADP
issue-1691	78	29	a	a	DET
issue-1691	78	30	global	global	ADJ
issue-1691	78	31	digital	digital	ADJ
issue-1691	78	32	economy	economy	NOUN
issue-1691	78	33	.	.	PUNCT
issue-1691	79	1	taking	take	VERB
issue-1691	79	2	into	into	ADP
issue-1691	79	3	account	account	NOUN
issue-1691	79	4	different	different	ADJ
issue-1691	79	5	varieties	variety	NOUN
issue-1691	79	6	of	of	ADP
issue-1691	79	7	electronic	electronic	ADJ
issue-1691	79	8	payment	payment	NOUN
issue-1691	79	9	systems	system	NOUN
issue-1691	79	10	,	,	PUNCT
issue-1691	79	11	it	it	PRON
issue-1691	79	12	should	should	AUX
issue-1691	79	13	be	be	AUX
issue-1691	79	14	noted	note	VERB
issue-1691	79	15	that	that	SCONJ
issue-1691	79	16	this	this	DET
issue-1691	79	17	paper	paper	NOUN
issue-1691	79	18	is	be	AUX
issue-1691	79	19	focused	focus	VERB
issue-1691	79	20	on	on	ADP
issue-1691	79	21	electronic	electronic	ADJ
issue-1691	79	22	payment	payment	NOUN
issue-1691	79	23	systems	system	NOUN
issue-1691	79	24	which	which	PRON
issue-1691	79	25	ensure	ensure	VERB
issue-1691	79	26	mass	mass	ADJ
issue-1691	79	27	retail	retail	ADJ
issue-1691	79	28	payments	payment	NOUN
issue-1691	79	29	using	use	VERB
issue-1691	79	30	internet	internet	NOUN
issue-1691	79	31	and	and	CCONJ
issue-1691	79	32	mobile	mobile	NOUN
issue-1691	79	33	technologies	technology	NOUN
issue-1691	79	34	,	,	PUNCT
issue-1691	79	35	and	and	CCONJ
issue-1691	79	36	the	the	DET
issue-1691	79	37	issues	issue	NOUN
issue-1691	79	38	of	of	ADP
issue-1691	79	39	the	the	DET
issue-1691	79	40	effectiveness	effectiveness	NOUN
issue-1691	79	41	are	be	AUX
issue-1691	79	42	considered	consider	VERB
issue-1691	79	43	in	in	ADP
issue-1691	79	44	terms	term	NOUN
issue-1691	79	45	of	of	ADP
issue-1691	79	46	eps	eps	NOUN
issue-1691	79	47	providers	provider	NOUN
issue-1691	79	48	.	.	PUNCT
issue-1691	80	1	4	4	X
issue-1691	80	2	.	.	X
issue-1691	80	3	theoretical	theoretical	ADJ
issue-1691	80	4	framwork	framwork	NOUN
issue-1691	80	5	and	and	CCONJ
issue-1691	80	6	methodology	methodology	NOUN
issue-1691	80	7	the	the	DET
issue-1691	80	8	theoretical	theoretical	ADJ
issue-1691	80	9	framework	framework	NOUN
issue-1691	80	10	of	of	ADP
issue-1691	80	11	the	the	DET
issue-1691	80	12	research	research	NOUN
issue-1691	80	13	,	,	PUNCT
issue-1691	80	14	above	above	ADP
issue-1691	80	15	all	all	PRON
issue-1691	80	16	,	,	PUNCT
issue-1691	80	17	includes	include	VERB
issue-1691	80	18	the	the	DET
issue-1691	80	19	bulk	bulk	NOUN
issue-1691	80	20	of	of	ADP
issue-1691	80	21	the	the	DET
issue-1691	80	22	study	study	NOUN
issue-1691	80	23	pertaining	pertain	VERB
issue-1691	80	24	to	to	ADP
issue-1691	80	25	the	the	DET
issue-1691	80	26	digital	digital	ADJ
issue-1691	80	27	technology	technology	NOUN
issue-1691	80	28	,	,	PUNCT
issue-1691	80	29	digitalization	digitalization	NOUN
issue-1691	80	30	and	and	CCONJ
issue-1691	80	31	digital	digital	ADJ
issue-1691	80	32	transformations	transformation	NOUN
issue-1691	80	33	in	in	ADP
issue-1691	80	34	the	the	DET
issue-1691	80	35	economy	economy	NOUN
issue-1691	80	36	and	and	CCONJ
issue-1691	80	37	its	its	PRON
issue-1691	80	38	specific	specific	ADJ
issue-1691	80	39	sectors	sector	NOUN
issue-1691	80	40	.	.	PUNCT
issue-1691	81	1	the	the	DET
issue-1691	81	2	next	next	ADJ
issue-1691	81	3	element	element	NOUN
issue-1691	81	4	of	of	ADP
issue-1691	81	5	the	the	DET
issue-1691	81	6	theoretical	theoretical	ADJ
issue-1691	81	7	framework	framework	NOUN
issue-1691	81	8	is	be	AUX
issue-1691	81	9	the	the	DET
issue-1691	81	10	concept	concept	NOUN
issue-1691	81	11	of	of	ADP
issue-1691	81	12	digital	digital	ADJ
issue-1691	81	13	economy	economy	NOUN
issue-1691	81	14	which	which	PRON
issue-1691	81	15	emerged	emerge	VERB
issue-1691	81	16	in	in	ADP
issue-1691	81	17	the	the	DET
issue-1691	81	18	mid-1990s	mid-1990	NOUN
issue-1691	81	19	along	along	ADP
issue-1691	81	20	with	with	ADP
issue-1691	81	21	the	the	DET
issue-1691	81	22	use	use	NOUN
issue-1691	81	23	of	of	ADP
issue-1691	81	24	the	the	DET
issue-1691	81	25	following	follow	VERB
issue-1691	81	26	concepts	concept	NOUN
issue-1691	81	27	:	:	PUNCT
issue-1691	81	28	concept	concept	NOUN
issue-1691	81	29	of	of	ADP
issue-1691	81	30	information	information	NOUN
issue-1691	81	31	,	,	PUNCT
issue-1691	81	32	internet	internet	NOUN
issue-1691	81	33	(	(	PUNCT
issue-1691	81	34	web	web	NOUN
issue-1691	81	35	)	)	PUNCT
issue-1691	81	36	,	,	PUNCT
issue-1691	81	37	postindustrial	postindustrial	ADJ
issue-1691	81	38	,	,	PUNCT
issue-1691	81	39	network	network	NOUN
issue-1691	81	40	economy	economy	NOUN
issue-1691	81	41	and	and	CCONJ
issue-1691	81	42	knowledge	knowledge	NOUN
issue-1691	81	43	economy	economy	NOUN
issue-1691	81	44	.	.	PUNCT
issue-1691	82	1	the	the	DET
issue-1691	82	2	research	research	NOUN
issue-1691	82	3	takes	take	VERB
issue-1691	82	4	into	into	ADP
issue-1691	82	5	account	account	NOUN
issue-1691	82	6	a	a	DET
issue-1691	82	7	complex	complex	ADJ
issue-1691	82	8	structure	structure	NOUN
issue-1691	82	9	of	of	ADP
issue-1691	82	10	digital	digital	ADJ
issue-1691	82	11	economy	economy	NOUN
issue-1691	82	12	related	relate	VERB
issue-1691	82	13	to	to	ADP
issue-1691	82	14	the	the	DET
issue-1691	82	15	migration	migration	NOUN
issue-1691	82	16	of	of	ADP
issue-1691	82	17	multiple	multiple	ADJ
issue-1691	82	18	processes	process	NOUN
issue-1691	82	19	,	,	PUNCT
issue-1691	82	20	types	type	NOUN
issue-1691	82	21	of	of	ADP
issue-1691	82	22	business	business	NOUN
issue-1691	82	23	on	on	ADP
issue-1691	82	24	the	the	DET
issue-1691	82	25	internet	internet	NOUN
issue-1691	82	26	and	and	CCONJ
issue-1691	82	27	development	development	NOUN
issue-1691	82	28	of	of	ADP
issue-1691	82	29	its	its	PRON
issue-1691	82	30	new	new	ADJ
issue-1691	82	31	forms	form	NOUN
issue-1691	82	32	and	and	CCONJ
issue-1691	82	33	trends	trend	NOUN
issue-1691	82	34	.	.	PUNCT
issue-1691	83	1	the	the	DET
issue-1691	83	2	digital	digital	ADJ
issue-1691	83	3	infrastructure	infrastructure	NOUN
issue-1691	83	4	(	(	PUNCT
issue-1691	83	5	predominantly	predominantly	ADV
issue-1691	83	6	websites	website	NOUN
issue-1691	83	7	,	,	PUNCT
issue-1691	83	8	and	and	CCONJ
issue-1691	83	9	digital	digital	ADJ
issue-1691	83	10	platforms	platform	NOUN
issue-1691	83	11	)	)	PUNCT
issue-1691	83	12	,	,	PUNCT
issue-1691	83	13	digital	digital	ADJ
issue-1691	83	14	service	service	NOUN
issue-1691	83	15	markets	market	NOUN
issue-1691	83	16	(	(	PUNCT
issue-1691	83	17	encompassing	encompass	VERB
issue-1691	83	18	software	software	NOUN
issue-1691	83	19	and	and	CCONJ
issue-1691	83	20	hardware	hardware	NOUN
issue-1691	83	21	)	)	PUNCT
issue-1691	83	22	,	,	PUNCT
issue-1691	83	23	new	new	ADJ
issue-1691	83	24	activities	activity	NOUN
issue-1691	83	25	related	relate	VERB
issue-1691	83	26	to	to	ADP
issue-1691	83	27	the	the	DET
issue-1691	83	28	internet	internet	NOUN
issue-1691	83	29	of	of	ADP
issue-1691	83	30	people	people	NOUN
issue-1691	83	31	and	and	CCONJ
issue-1691	83	32	internet	internet	NOUN
issue-1691	83	33	of	of	ADP
issue-1691	83	34	things	thing	NOUN
issue-1691	83	35	,	,	PUNCT
issue-1691	83	36	and	and	CCONJ
issue-1691	83	37	new	new	ADJ
issue-1691	83	38	technological	technological	ADJ
issue-1691	83	39	baltic	baltic	ADJ
issue-1691	83	40	journal	journal	NOUN
issue-1691	83	41	of	of	ADP
issue-1691	83	42	economic	economic	ADJ
issue-1691	83	43	studies	study	NOUN
issue-1691	83	44	151	151	NUM
issue-1691	83	45	vol	vol	NOUN
issue-1691	83	46	.	.	NOUN
issue-1691	83	47	8	8	NUM
issue-1691	83	48	no	no	NOUN
issue-1691	83	49	.	.	NOUN
issue-1691	83	50	1	1	NUM
issue-1691	83	51	,	,	PUNCT
issue-1691	83	52	2022	2022	NUM
issue-1691	83	53	trends	trend	NOUN
issue-1691	83	54	(	(	PUNCT
issue-1691	83	55	blockchain	blockchain	NOUN
issue-1691	83	56	,	,	PUNCT
issue-1691	83	57	artificial	artificial	ADJ
issue-1691	83	58	intelligence	intelligence	NOUN
issue-1691	83	59	,	,	PUNCT
issue-1691	83	60	etc	etc	X
issue-1691	83	61	.	.	X
issue-1691	83	62	)	)	PUNCT
issue-1691	83	63	emerged	emerge	VERB
issue-1691	83	64	around	around	ADP
issue-1691	83	65	the	the	DET
issue-1691	83	66	technological	technological	ADJ
issue-1691	83	67	"	"	PUNCT
issue-1691	83	68	core	core	NOUN
issue-1691	83	69	"	"	PUNCT
issue-1691	83	70	(	(	PUNCT
issue-1691	83	71	computer	computer	NOUN
issue-1691	83	72	hardware	hardware	NOUN
issue-1691	83	73	,	,	PUNCT
issue-1691	83	74	network	network	NOUN
issue-1691	83	75	hardware	hardware	NOUN
issue-1691	83	76	,	,	PUNCT
issue-1691	83	77	and	and	CCONJ
issue-1691	83	78	data	datum	NOUN
issue-1691	83	79	centers	center	NOUN
issue-1691	83	80	)	)	PUNCT
issue-1691	83	81	.	.	PUNCT
issue-1691	84	1	further	far	ADV
issue-1691	84	2	,	,	PUNCT
issue-1691	84	3	an	an	DET
issue-1691	84	4	outline	outline	NOUN
issue-1691	84	5	of	of	ADP
issue-1691	84	6	industries	industry	NOUN
issue-1691	84	7	appeared	appear	VERB
issue-1691	84	8	,	,	PUNCT
issue-1691	84	9	where	where	SCONJ
issue-1691	84	10	the	the	DET
issue-1691	84	11	use	use	NOUN
issue-1691	84	12	of	of	ADP
issue-1691	84	13	the	the	DET
issue-1691	84	14	internet	internet	NOUN
issue-1691	84	15	resulted	result	VERB
issue-1691	84	16	in	in	ADP
issue-1691	84	17	the	the	DET
issue-1691	84	18	emergence	emergence	NOUN
issue-1691	84	19	of	of	ADP
issue-1691	84	20	new	new	ADJ
issue-1691	84	21	forms	form	NOUN
issue-1691	84	22	and	and	CCONJ
issue-1691	84	23	models	model	NOUN
issue-1691	84	24	of	of	ADP
issue-1691	84	25	organizations	organization	NOUN
issue-1691	84	26	,	,	PUNCT
issue-1691	84	27	including	include	VERB
issue-1691	84	28	:	:	PUNCT
issue-1691	84	29	e	e	X
issue-1691	84	30	-	-	NOUN
issue-1691	84	31	trade	trade	ADJ
issue-1691	84	32	(	(	PUNCT
issue-1691	84	33	e	e	NOUN
issue-1691	84	34	-	-	NOUN
issue-1691	84	35	shops	shop	NOUN
issue-1691	84	36	,	,	PUNCT
issue-1691	84	37	e	e	NOUN
issue-1691	84	38	-	-	NOUN
issue-1691	84	39	malls	mall	NOUN
issue-1691	84	40	)	)	PUNCT
issue-1691	84	41	,	,	PUNCT
issue-1691	84	42	e	e	NOUN
issue-1691	84	43	-	-	NOUN
issue-1691	84	44	trading	trading	ADJ
issue-1691	84	45	,	,	PUNCT
issue-1691	84	46	e	e	NOUN
issue-1691	84	47	-	-	NOUN
issue-1691	84	48	procurement	procurement	NOUN
issue-1691	84	49	,	,	PUNCT
issue-1691	84	50	e	e	NOUN
issue-1691	84	51	-	-	NOUN
issue-1691	84	52	auctions	auction	NOUN
issue-1691	84	53	,	,	PUNCT
issue-1691	84	54	e	e	NOUN
issue-1691	84	55	-	-	NOUN
issue-1691	84	56	banking	banking	NOUN
issue-1691	84	57	,	,	PUNCT
issue-1691	84	58	e	e	NOUN
issue-1691	84	59	-	-	NOUN
issue-1691	84	60	insurance	insurance	NOUN
issue-1691	84	61	,	,	PUNCT
issue-1691	84	62	e	e	NOUN
issue-1691	84	63	-	-	NOUN
issue-1691	84	64	logistics	logistic	NOUN
issue-1691	84	65	,	,	PUNCT
issue-1691	84	66	e	e	NOUN
issue-1691	84	67	-	-	NOUN
issue-1691	84	68	health	health	NOUN
issue-1691	84	69	(	(	PUNCT
issue-1691	84	70	e	e	NOUN
issue-1691	84	71	-	-	NOUN
issue-1691	84	72	medicine	medicine	NOUN
issue-1691	84	73	)	)	PUNCT
issue-1691	84	74	,	,	PUNCT
issue-1691	84	75	e	e	NOUN
issue-1691	84	76	-	-	NOUN
issue-1691	84	77	education	education	NOUN
issue-1691	84	78	,	,	PUNCT
issue-1691	84	79	e	e	NOUN
issue-1691	84	80	-	-	NOUN
issue-1691	84	81	tourism	tourism	NOUN
issue-1691	84	82	(	(	PUNCT
issue-1691	84	83	e	e	NOUN
issue-1691	84	84	-	-	NOUN
issue-1691	84	85	travel	travel	NOUN
issue-1691	84	86	)	)	PUNCT
issue-1691	84	87	,	,	PUNCT
issue-1691	84	88	e	e	NOUN
issue-1691	84	89	-	-	NOUN
issue-1691	84	90	media	medium	NOUN
issue-1691	84	91	,	,	PUNCT
issue-1691	84	92	etc	etc	X
issue-1691	84	93	.	.	X
issue-1691	84	94	that	that	PRON
issue-1691	84	95	are	be	AUX
issue-1691	84	96	described	describe	VERB
issue-1691	84	97	using	use	VERB
issue-1691	84	98	the	the	DET
issue-1691	84	99	concepts	concept	NOUN
issue-1691	84	100	of	of	ADP
issue-1691	84	101	e	e	NOUN
issue-1691	84	102	-	-	NOUN
issue-1691	84	103	business	business	NOUN
issue-1691	84	104	and	and	CCONJ
issue-1691	84	105	e	e	NOUN
issue-1691	84	106	-	-	NOUN
issue-1691	84	107	commerce	commerce	NOUN
issue-1691	84	108	,	,	PUNCT
issue-1691	84	109	providing	provide	VERB
issue-1691	84	110	an	an	DET
issue-1691	84	111	insight	insight	NOUN
issue-1691	84	112	into	into	ADP
issue-1691	84	113	the	the	DET
issue-1691	84	114	structure	structure	NOUN
issue-1691	84	115	of	of	ADP
issue-1691	84	116	digital	digital	ADJ
issue-1691	84	117	economy	economy	NOUN
issue-1691	84	118	,	,	PUNCT
issue-1691	84	119	which	which	PRON
issue-1691	84	120	,	,	PUNCT
issue-1691	84	121	however	however	ADV
issue-1691	84	122	,	,	PUNCT
issue-1691	84	123	is	be	AUX
issue-1691	84	124	not	not	PART
issue-1691	84	125	limited	limit	VERB
issue-1691	84	126	to	to	ADP
issue-1691	84	127	the	the	DET
issue-1691	84	128	sphere	sphere	NOUN
issue-1691	84	129	of	of	ADP
issue-1691	84	130	using	use	VERB
issue-1691	84	131	the	the	DET
issue-1691	84	132	internet	internet	NOUN
issue-1691	84	133	,	,	PUNCT
issue-1691	84	134	but	but	CCONJ
issue-1691	84	135	is	be	AUX
issue-1691	84	136	also	also	ADV
issue-1691	84	137	associated	associate	VERB
issue-1691	84	138	with	with	ADP
issue-1691	84	139	the	the	DET
issue-1691	84	140	forth	forth	ADJ
issue-1691	84	141	industrial	industrial	ADJ
issue-1691	84	142	revolution	revolution	NOUN
issue-1691	84	143	,	,	PUNCT
issue-1691	84	144	the	the	DET
issue-1691	84	145	use	use	NOUN
issue-1691	84	146	of	of	ADP
issue-1691	84	147	"	"	PUNCT
issue-1691	84	148	smart	smart	ADJ
issue-1691	84	149	"	"	PUNCT
issue-1691	84	150	things	thing	NOUN
issue-1691	84	151	,	,	PUNCT
issue-1691	84	152	transport	transport	NOUN
issue-1691	84	153	,	,	PUNCT
issue-1691	84	154	etc	etc	X
issue-1691	84	155	.	.	X
issue-1691	84	156	a	a	DET
issue-1691	84	157	new	new	ADJ
issue-1691	84	158	infrastructure	infrastructure	NOUN
issue-1691	84	159	(	(	PUNCT
issue-1691	84	160	e	e	NOUN
issue-1691	84	161	-	-	NOUN
issue-1691	84	162	infrastructure	infrastructure	NOUN
issue-1691	84	163	)	)	PUNCT
issue-1691	84	164	emerges	emerge	VERB
issue-1691	84	165	in	in	ADP
issue-1691	84	166	multiple	multiple	ADJ
issue-1691	84	167	spheres	sphere	NOUN
issue-1691	84	168	,	,	PUNCT
issue-1691	84	169	as	as	ADV
issue-1691	84	170	well	well	ADV
issue-1691	84	171	as	as	ADP
issue-1691	84	172	ancillary	ancillary	ADJ
issue-1691	84	173	activities	activity	NOUN
issue-1691	84	174	(	(	PUNCT
issue-1691	84	175	e.g.	e.g.	ADV
issue-1691	84	176	,	,	PUNCT
issue-1691	84	177	e	e	NOUN
issue-1691	84	178	-	-	NOUN
issue-1691	84	179	marketing	marketing	NOUN
issue-1691	84	180	)	)	PUNCT
issue-1691	84	181	;	;	PUNCT
issue-1691	84	182	there	there	PRON
issue-1691	84	183	is	be	VERB
issue-1691	84	184	an	an	DET
issue-1691	84	185	intensive	intensive	ADJ
issue-1691	84	186	digitalization	digitalization	NOUN
issue-1691	84	187	of	of	ADP
issue-1691	84	188	individual	individual	ADJ
issue-1691	84	189	industrial	industrial	ADJ
issue-1691	84	190	sectors	sector	NOUN
issue-1691	84	191	(	(	PUNCT
issue-1691	84	192	e	e	NOUN
issue-1691	84	193	-	-	NOUN
issue-1691	84	194	agriculture	agriculture	NOUN
issue-1691	84	195	,	,	PUNCT
issue-1691	84	196	e	e	NOUN
issue-1691	84	197	-	-	NOUN
issue-1691	84	198	farming	farming	ADJ
issue-1691	84	199	,	,	PUNCT
issue-1691	84	200	e	e	NOUN
issue-1691	84	201	-	-	NOUN
issue-1691	84	202	factory	factory	NOUN
issue-1691	84	203	,	,	PUNCT
issue-1691	84	204	etc	etc	X
issue-1691	84	205	.	.	X
issue-1691	84	206	)	)	PUNCT
issue-1691	84	207	,	,	PUNCT
issue-1691	84	208	scientific	scientific	ADJ
issue-1691	84	209	activities	activity	NOUN
issue-1691	84	210	(	(	PUNCT
issue-1691	84	211	e	e	NOUN
issue-1691	84	212	-	-	NOUN
issue-1691	84	213	science	science	NOUN
issue-1691	84	214	)	)	PUNCT
issue-1691	84	215	,	,	PUNCT
issue-1691	84	216	social	social	ADJ
issue-1691	84	217	services	service	NOUN
issue-1691	84	218	(	(	PUNCT
issue-1691	84	219	e	e	NOUN
issue-1691	84	220	-	-	NOUN
issue-1691	84	221	social	social	ADJ
issue-1691	84	222	)	)	PUNCT
issue-1691	84	223	,	,	PUNCT
issue-1691	84	224	and	and	CCONJ
issue-1691	84	225	government	government	NOUN
issue-1691	84	226	activities	activity	NOUN
issue-1691	84	227	(	(	PUNCT
issue-1691	84	228	e	e	NOUN
issue-1691	84	229	-	-	NOUN
issue-1691	84	230	government	government	NOUN
issue-1691	84	231	)	)	PUNCT
issue-1691	84	232	.	.	PUNCT
issue-1691	85	1	the	the	DET
issue-1691	85	2	paper	paper	NOUN
issue-1691	85	3	considered	consider	VERB
issue-1691	85	4	specific	specific	ADJ
issue-1691	85	5	fields	field	NOUN
issue-1691	85	6	of	of	ADP
issue-1691	85	7	using	use	VERB
issue-1691	85	8	digital	digital	ADJ
issue-1691	85	9	technologies	technology	NOUN
issue-1691	85	10	,	,	PUNCT
issue-1691	85	11	for	for	ADP
issue-1691	85	12	example	example	NOUN
issue-1691	85	13	,	,	PUNCT
issue-1691	85	14	fintech	fintech	NOUN
issue-1691	85	15	,	,	PUNCT
issue-1691	85	16	medtech	medtech	PROPN
issue-1691	85	17	,	,	PUNCT
issue-1691	85	18	edtech	edtech	NOUN
issue-1691	85	19	,	,	PUNCT
issue-1691	85	20	etc	etc	X
issue-1691	85	21	.	.	X
issue-1691	85	22	therefore	therefore	ADV
issue-1691	85	23	,	,	PUNCT
issue-1691	85	24	the	the	DET
issue-1691	85	25	research	research	NOUN
issue-1691	85	26	took	take	VERB
issue-1691	85	27	into	into	ADP
issue-1691	85	28	account	account	NOUN
issue-1691	85	29	the	the	DET
issue-1691	85	30	functional	functional	ADJ
issue-1691	85	31	features	feature	NOUN
issue-1691	85	32	of	of	ADP
issue-1691	85	33	digital	digital	ADJ
issue-1691	85	34	economy	economy	NOUN
issue-1691	85	35	(	(	PUNCT
issue-1691	85	36	forms	form	NOUN
issue-1691	85	37	of	of	ADP
issue-1691	85	38	communication	communication	NOUN
issue-1691	85	39	,	,	PUNCT
issue-1691	85	40	automation	automation	NOUN
issue-1691	85	41	of	of	ADP
issue-1691	85	42	processes	process	NOUN
issue-1691	85	43	and	and	CCONJ
issue-1691	85	44	procedures	procedure	NOUN
issue-1691	85	45	,	,	PUNCT
issue-1691	85	46	application	application	NOUN
issue-1691	85	47	of	of	ADP
issue-1691	85	48	intelligent	intelligent	ADJ
issue-1691	85	49	technologies	technology	NOUN
issue-1691	85	50	,	,	PUNCT
issue-1691	85	51	dissemination	dissemination	NOUN
issue-1691	85	52	of	of	ADP
issue-1691	85	53	digital	digital	ADJ
issue-1691	85	54	platforms	platform	NOUN
issue-1691	85	55	,	,	PUNCT
issue-1691	85	56	growing	grow	VERB
issue-1691	85	57	amount	amount	NOUN
issue-1691	85	58	of	of	ADP
issue-1691	85	59	data	datum	NOUN
issue-1691	85	60	and	and	CCONJ
issue-1691	85	61	flow	flow	NOUN
issue-1691	85	62	of	of	ADP
issue-1691	85	63	information	information	NOUN
issue-1691	85	64	,	,	PUNCT
issue-1691	85	65	etc	etc	X
issue-1691	85	66	.	.	X
issue-1691	85	67	)	)	PUNCT
issue-1691	85	68	,	,	PUNCT
issue-1691	85	69	and	and	CCONJ
issue-1691	85	70	its	its	PRON
issue-1691	85	71	technological	technological	ADJ
issue-1691	85	72	trends	trend	NOUN
issue-1691	85	73	,	,	PUNCT
issue-1691	85	74	which	which	PRON
issue-1691	85	75	led	lead	VERB
issue-1691	85	76	to	to	ADP
issue-1691	85	77	further	further	ADJ
issue-1691	85	78	development	development	NOUN
issue-1691	85	79	of	of	ADP
issue-1691	85	80	digital	digital	ADJ
issue-1691	85	81	forms	form	NOUN
issue-1691	85	82	of	of	ADP
issue-1691	85	83	the	the	DET
issue-1691	85	84	organization	organization	NOUN
issue-1691	85	85	of	of	ADP
issue-1691	85	86	economic	economic	ADJ
issue-1691	85	87	systems	system	NOUN
issue-1691	85	88	and	and	CCONJ
issue-1691	85	89	ensuring	ensure	VERB
issue-1691	85	90	the	the	DET
issue-1691	85	91	processes	process	NOUN
issue-1691	85	92	.	.	PUNCT
issue-1691	86	1	the	the	DET
issue-1691	86	2	internet	internet	NOUN
issue-1691	86	3	turned	turn	VERB
issue-1691	86	4	into	into	ADP
issue-1691	86	5	a	a	DET
issue-1691	86	6	global	global	ADJ
issue-1691	86	7	infrastructure	infrastructure	NOUN
issue-1691	86	8	of	of	ADP
issue-1691	86	9	the	the	DET
issue-1691	86	10	economy	economy	NOUN
issue-1691	86	11	,	,	PUNCT
issue-1691	86	12	which	which	PRON
issue-1691	86	13	enabled	enable	VERB
issue-1691	86	14	to	to	PART
issue-1691	86	15	innovatively	innovatively	ADV
issue-1691	86	16	develop	develop	VERB
issue-1691	86	17	social	social	ADJ
issue-1691	86	18	communications	communication	NOUN
issue-1691	86	19	and	and	CCONJ
issue-1691	86	20	relations	relation	NOUN
issue-1691	86	21	,	,	PUNCT
issue-1691	86	22	create	create	VERB
issue-1691	86	23	new	new	ADJ
issue-1691	86	24	economic	economic	ADJ
issue-1691	86	25	mechanisms	mechanism	NOUN
issue-1691	86	26	,	,	PUNCT
issue-1691	86	27	share	share	NOUN
issue-1691	86	28	data	datum	NOUN
issue-1691	86	29	and	and	CCONJ
issue-1691	86	30	information	information	NOUN
issue-1691	86	31	.	.	PUNCT
issue-1691	87	1	it	it	PRON
issue-1691	87	2	is	be	AUX
issue-1691	87	3	the	the	DET
issue-1691	87	4	evolvement	evolvement	NOUN
issue-1691	87	5	of	of	ADP
issue-1691	87	6	the	the	DET
issue-1691	87	7	internet	internet	NOUN
issue-1691	87	8	that	that	PRON
issue-1691	87	9	became	become	VERB
issue-1691	87	10	an	an	DET
issue-1691	87	11	impetus	impetus	NOUN
issue-1691	87	12	for	for	ADP
issue-1691	87	13	the	the	DET
issue-1691	87	14	formation	formation	NOUN
issue-1691	87	15	of	of	ADP
issue-1691	87	16	digital	digital	ADJ
issue-1691	87	17	economy	economy	NOUN
issue-1691	87	18	in	in	ADP
issue-1691	87	19	the	the	DET
issue-1691	87	20	spatial	spatial	ADJ
issue-1691	87	21	,	,	PUNCT
issue-1691	87	22	transactional	transactional	ADJ
issue-1691	87	23	and	and	CCONJ
issue-1691	87	24	organizational	organizational	ADJ
issue-1691	87	25	aspects	aspect	NOUN
issue-1691	87	26	,	,	PUNCT
issue-1691	87	27	which	which	PRON
issue-1691	87	28	covered	cover	VERB
issue-1691	87	29	many	many	ADJ
issue-1691	87	30	things	thing	NOUN
issue-1691	87	31	in	in	ADP
issue-1691	87	32	the	the	DET
issue-1691	87	33	context	context	NOUN
issue-1691	87	34	of	of	ADP
issue-1691	87	35	the	the	DET
issue-1691	87	36	process	process	NOUN
issue-1691	87	37	globalization	globalization	NOUN
issue-1691	87	38	.	.	PUNCT
issue-1691	88	1	this	this	PRON
issue-1691	88	2	formed	form	VERB
issue-1691	88	3	a	a	DET
issue-1691	88	4	basis	basis	NOUN
issue-1691	88	5	for	for	ADP
issue-1691	88	6	building	build	VERB
issue-1691	88	7	the	the	DET
issue-1691	88	8	global	global	ADJ
issue-1691	88	9	markets	market	NOUN
issue-1691	88	10	,	,	PUNCT
issue-1691	88	11	production	production	NOUN
issue-1691	88	12	,	,	PUNCT
issue-1691	88	13	supply	supply	NOUN
issue-1691	88	14	and	and	CCONJ
issue-1691	88	15	innovation	innovation	NOUN
issue-1691	88	16	chains	chain	NOUN
issue-1691	88	17	.	.	PUNCT
issue-1691	89	1	taking	take	VERB
issue-1691	89	2	into	into	ADP
issue-1691	89	3	account	account	NOUN
issue-1691	89	4	a	a	DET
issue-1691	89	5	new	new	ADJ
issue-1691	89	6	quality	quality	NOUN
issue-1691	89	7	of	of	ADP
issue-1691	89	8	information	information	NOUN
issue-1691	89	9	space	space	NOUN
issue-1691	89	10	,	,	PUNCT
issue-1691	89	11	digital	digital	ADJ
issue-1691	89	12	economy	economy	NOUN
issue-1691	89	13	should	should	AUX
issue-1691	89	14	be	be	AUX
issue-1691	89	15	considered	consider	VERB
issue-1691	89	16	as	as	ADP
issue-1691	89	17	global	global	ADJ
issue-1691	89	18	economy	economy	NOUN
issue-1691	89	19	,	,	PUNCT
issue-1691	89	20	because	because	SCONJ
issue-1691	89	21	it	it	PRON
issue-1691	89	22	:	:	PUNCT
issue-1691	89	23	became	become	VERB
issue-1691	89	24	a	a	DET
issue-1691	89	25	basis	basis	NOUN
issue-1691	89	26	for	for	ADP
issue-1691	89	27	the	the	DET
issue-1691	89	28	formation	formation	NOUN
issue-1691	89	29	of	of	ADP
issue-1691	89	30	the	the	DET
issue-1691	89	31	worldwide	worldwide	ADJ
issue-1691	89	32	virtual	virtual	ADJ
issue-1691	89	33	environment	environment	NOUN
issue-1691	89	34	;	;	PUNCT
issue-1691	89	35	transformed	transform	VERB
issue-1691	89	36	the	the	DET
issue-1691	89	37	global	global	ADJ
issue-1691	89	38	markets	market	NOUN
issue-1691	89	39	of	of	ADP
issue-1691	89	40	goods	good	NOUN
issue-1691	89	41	,	,	PUNCT
issue-1691	89	42	services	service	NOUN
issue-1691	89	43	,	,	PUNCT
issue-1691	89	44	labor	labor	NOUN
issue-1691	89	45	,	,	PUNCT
issue-1691	89	46	capital	capital	NOUN
issue-1691	89	47	,	,	PUNCT
issue-1691	89	48	and	and	CCONJ
issue-1691	89	49	information	information	NOUN
issue-1691	89	50	;	;	PUNCT
issue-1691	89	51	encompasses	encompass	VERB
issue-1691	89	52	global	global	ADJ
issue-1691	89	53	and	and	CCONJ
issue-1691	89	54	multinational	multinational	ADJ
issue-1691	89	55	industries	industry	NOUN
issue-1691	89	56	,	,	PUNCT
issue-1691	89	57	where	where	SCONJ
issue-1691	89	58	the	the	DET
issue-1691	89	59	influence	influence	NOUN
issue-1691	89	60	of	of	ADP
issue-1691	89	61	the	the	DET
issue-1691	89	62	global	global	ADJ
issue-1691	89	63	environment	environment	NOUN
issue-1691	89	64	becomes	become	VERB
issue-1691	89	65	a	a	DET
issue-1691	89	66	determining	determine	VERB
issue-1691	89	67	factor	factor	NOUN
issue-1691	89	68	;	;	PUNCT
issue-1691	89	69	became	become	VERB
issue-1691	89	70	a	a	DET
issue-1691	89	71	basis	basis	NOUN
issue-1691	89	72	for	for	ADP
issue-1691	89	73	the	the	DET
issue-1691	89	74	integration	integration	NOUN
issue-1691	89	75	of	of	ADP
issue-1691	89	76	various	various	ADJ
issue-1691	89	77	national	national	ADJ
issue-1691	89	78	systems	system	NOUN
issue-1691	89	79	,	,	PUNCT
issue-1691	89	80	particularly	particularly	ADV
issue-1691	89	81	in	in	ADP
issue-1691	89	82	the	the	DET
issue-1691	89	83	financial	financial	ADJ
issue-1691	89	84	sector	sector	NOUN
issue-1691	89	85	.	.	PUNCT
issue-1691	90	1	this	this	PRON
issue-1691	90	2	is	be	AUX
issue-1691	90	3	mainly	mainly	ADV
issue-1691	90	4	due	due	ADJ
issue-1691	90	5	to	to	ADP
issue-1691	90	6	the	the	DET
issue-1691	90	7	development	development	NOUN
issue-1691	90	8	of	of	ADP
issue-1691	90	9	international	international	ADJ
issue-1691	90	10	payment	payment	NOUN
issue-1691	90	11	infrastructure	infrastructure	NOUN
issue-1691	90	12	.	.	PUNCT
issue-1691	91	1	the	the	DET
issue-1691	91	2	research	research	NOUN
issue-1691	91	3	is	be	AUX
issue-1691	91	4	methodologically	methodologically	ADV
issue-1691	91	5	grounded	ground	VERB
issue-1691	91	6	on	on	ADP
issue-1691	91	7	the	the	DET
issue-1691	91	8	evolutionary	evolutionary	ADJ
issue-1691	91	9	approach	approach	NOUN
issue-1691	91	10	,	,	PUNCT
issue-1691	91	11	historical	historical	ADJ
issue-1691	91	12	,	,	PUNCT
issue-1691	91	13	system	system	NOUN
issue-1691	91	14	-	-	PUNCT
issue-1691	91	15	structural	structural	ADJ
issue-1691	91	16	,	,	PUNCT
issue-1691	91	17	functional	functional	ADJ
issue-1691	91	18	and	and	CCONJ
issue-1691	91	19	comparative	comparative	ADJ
issue-1691	91	20	methods	method	NOUN
issue-1691	91	21	of	of	ADP
issue-1691	91	22	analysis	analysis	NOUN
issue-1691	91	23	.	.	PUNCT
issue-1691	92	1	the	the	DET
issue-1691	92	2	empirical	empirical	ADJ
issue-1691	92	3	base	base	NOUN
issue-1691	92	4	of	of	ADP
issue-1691	92	5	the	the	DET
issue-1691	92	6	research	research	NOUN
issue-1691	92	7	was	be	AUX
issue-1691	92	8	to	to	PART
issue-1691	92	9	study	study	VERB
issue-1691	92	10	the	the	DET
issue-1691	92	11	global	global	ADJ
issue-1691	92	12	trends	trend	NOUN
issue-1691	92	13	in	in	ADP
issue-1691	92	14	the	the	DET
issue-1691	92	15	development	development	NOUN
issue-1691	92	16	of	of	ADP
issue-1691	92	17	digital	digital	ADJ
issue-1691	92	18	economy	economy	NOUN
issue-1691	92	19	,	,	PUNCT
issue-1691	92	20	fintech	fintech	NOUN
issue-1691	92	21	,	,	PUNCT
issue-1691	92	22	electronic	electronic	ADJ
issue-1691	92	23	payment	payment	NOUN
issue-1691	92	24	systems	system	NOUN
issue-1691	92	25	,	,	PUNCT
issue-1691	92	26	as	as	ADV
issue-1691	92	27	well	well	ADV
issue-1691	92	28	as	as	ADP
issue-1691	92	29	the	the	DET
issue-1691	92	30	trends	trend	NOUN
issue-1691	92	31	in	in	ADP
issue-1691	92	32	the	the	DET
issue-1691	92	33	development	development	NOUN
issue-1691	92	34	of	of	ADP
issue-1691	92	35	national	national	ADJ
issue-1691	92	36	and	and	CCONJ
issue-1691	92	37	interna	interna	PROPN
issue-1691	92	38	tional	tional	PROPN
issue-1691	92	39	markets	market	NOUN
issue-1691	92	40	of	of	ADP
issue-1691	92	41	eps	eps	PROPN
issue-1691	92	42	,	,	PUNCT
issue-1691	92	43	regulatory	regulatory	ADJ
issue-1691	92	44	requirements	requirement	NOUN
issue-1691	92	45	in	in	ADP
issue-1691	92	46	different	different	ADJ
issue-1691	92	47	countries	country	NOUN
issue-1691	92	48	,	,	PUNCT
issue-1691	92	49	consumer	consumer	NOUN
issue-1691	92	50	demands	demand	NOUN
issue-1691	92	51	,	,	PUNCT
issue-1691	92	52	innovative	innovative	ADJ
issue-1691	92	53	technologies	technology	NOUN
issue-1691	92	54	,	,	PUNCT
issue-1691	92	55	payment	payment	NOUN
issue-1691	92	56	ecosystems	ecosystem	NOUN
issue-1691	92	57	,	,	PUNCT
issue-1691	92	58	best	good	ADJ
issue-1691	92	59	practices	practice	NOUN
issue-1691	92	60	of	of	ADP
issue-1691	92	61	individual	individual	ADJ
issue-1691	92	62	paytech	paytech	NOUN
issue-1691	92	63	companies	company	NOUN
issue-1691	92	64	in	in	ADP
issue-1691	92	65	the	the	DET
issue-1691	92	66	sphere	sphere	NOUN
issue-1691	92	67	of	of	ADP
issue-1691	92	68	risk	risk	NOUN
issue-1691	92	69	management	management	NOUN
issue-1691	92	70	and	and	CCONJ
issue-1691	92	71	innovations	innovation	NOUN
issue-1691	92	72	.	.	PUNCT
issue-1691	93	1	5	5	X
issue-1691	93	2	.	.	X
issue-1691	93	3	general	general	ADJ
issue-1691	93	4	explanations	explanation	NOUN
issue-1691	93	5	therefore	therefore	ADV
issue-1691	93	6	,	,	PUNCT
issue-1691	93	7	the	the	DET
issue-1691	93	8	financial	financial	ADJ
issue-1691	93	9	sector	sector	NOUN
issue-1691	93	10	is	be	AUX
issue-1691	93	11	being	be	AUX
issue-1691	93	12	rapidly	rapidly	ADV
issue-1691	93	13	transformed	transform	VERB
issue-1691	93	14	on	on	ADP
issue-1691	93	15	account	account	NOUN
issue-1691	93	16	of	of	ADP
issue-1691	93	17	fintech	fintech	NOUN
issue-1691	93	18	,	,	PUNCT
issue-1691	93	19	the	the	DET
issue-1691	93	20	development	development	NOUN
issue-1691	93	21	of	of	ADP
issue-1691	93	22	which	which	PRON
issue-1691	93	23	is	be	AUX
issue-1691	93	24	fostered	foster	VERB
issue-1691	93	25	by	by	ADP
issue-1691	93	26	boosted	boost	VERB
issue-1691	93	27	e	e	NOUN
issue-1691	93	28	-	-	NOUN
issue-1691	93	29	commerce	commerce	NOUN
issue-1691	93	30	and	and	CCONJ
issue-1691	93	31	e	e	NOUN
issue-1691	93	32	-	-	NOUN
issue-1691	93	33	business	business	NOUN
issue-1691	93	34	that	that	PRON
issue-1691	93	35	create	create	VERB
issue-1691	93	36	demand	demand	NOUN
issue-1691	93	37	for	for	ADP
issue-1691	93	38	financial	financial	ADJ
issue-1691	93	39	services	service	NOUN
issue-1691	93	40	,	,	PUNCT
issue-1691	93	41	especially	especially	ADV
issue-1691	93	42	payment	payment	NOUN
issue-1691	93	43	ones	one	NOUN
issue-1691	93	44	.	.	PUNCT
issue-1691	94	1	consequently	consequently	ADV
issue-1691	94	2	,	,	PUNCT
issue-1691	94	3	it	it	PRON
issue-1691	94	4	creates	create	VERB
issue-1691	94	5	prerequisites	prerequisite	NOUN
issue-1691	94	6	for	for	ADP
issue-1691	94	7	the	the	DET
issue-1691	94	8	expansion	expansion	NOUN
issue-1691	94	9	of	of	ADP
issue-1691	94	10	digital	digital	ADJ
issue-1691	94	11	economy	economy	NOUN
issue-1691	94	12	,	,	PUNCT
issue-1691	94	13	saturating	saturate	VERB
issue-1691	94	14	it	it	PRON
issue-1691	94	15	with	with	ADP
issue-1691	94	16	the	the	DET
issue-1691	94	17	required	require	VERB
issue-1691	94	18	services	service	NOUN
issue-1691	94	19	and	and	CCONJ
issue-1691	94	20	attracting	attract	VERB
issue-1691	94	21	investments	investment	NOUN
issue-1691	94	22	.	.	PUNCT
issue-1691	95	1	fintech	fintech	NOUN
issue-1691	95	2	is	be	AUX
issue-1691	95	3	understood	understand	VERB
issue-1691	95	4	as	as	ADP
issue-1691	95	5	:	:	PUNCT
issue-1691	95	6	1	1	NUM
issue-1691	95	7	)	)	PUNCT
issue-1691	95	8	cross	cross	ADJ
issue-1691	95	9	-	-	ADJ
issue-1691	95	10	sectoral	sectoral	ADJ
issue-1691	95	11	industry	industry	NOUN
issue-1691	95	12	which	which	PRON
issue-1691	95	13	ensures	ensure	VERB
issue-1691	95	14	financial	financial	ADJ
issue-1691	95	15	transactions	transaction	NOUN
issue-1691	95	16	on	on	ADP
issue-1691	95	17	various	various	ADJ
issue-1691	95	18	markets	market	NOUN
issue-1691	95	19	of	of	ADP
issue-1691	95	20	goods	good	NOUN
issue-1691	95	21	,	,	PUNCT
issue-1691	95	22	services	service	NOUN
issue-1691	95	23	and	and	CCONJ
issue-1691	95	24	capitals	capital	NOUN
issue-1691	95	25	;	;	PUNCT
issue-1691	95	26	2	2	X
issue-1691	95	27	)	)	PUNCT
issue-1691	95	28	a	a	DET
issue-1691	95	29	set	set	NOUN
issue-1691	95	30	of	of	ADP
issue-1691	95	31	digital	digital	ADJ
issue-1691	95	32	financial	financial	ADJ
issue-1691	95	33	technologies	technology	NOUN
issue-1691	95	34	which	which	PRON
issue-1691	95	35	are	be	AUX
issue-1691	95	36	supple	supple	ADV
issue-1691	95	37	-	-	PUNCT
issue-1691	95	38	mented	mente	VERB
issue-1691	95	39	with	with	ADP
issue-1691	95	40	the	the	DET
issue-1691	95	41	relevant	relevant	ADJ
issue-1691	95	42	infrastructure	infrastructure	NOUN
issue-1691	95	43	;	;	PUNCT
issue-1691	95	44	3	3	X
issue-1691	95	45	)	)	PUNCT
issue-1691	95	46	a	a	DET
issue-1691	95	47	system	system	NOUN
issue-1691	95	48	of	of	ADP
issue-1691	95	49	the	the	DET
issue-1691	95	50	markets	market	NOUN
issue-1691	95	51	of	of	ADP
issue-1691	95	52	specific	specific	ADJ
issue-1691	95	53	financial	financial	ADJ
issue-1691	95	54	services	service	NOUN
issue-1691	95	55	and	and	CCONJ
issue-1691	95	56	information	information	NOUN
issue-1691	95	57	products	product	NOUN
issue-1691	95	58	;	;	PUNCT
issue-1691	95	59	4	4	X
issue-1691	95	60	)	)	PUNCT
issue-1691	95	61	a	a	DET
issue-1691	95	62	sphere	sphere	NOUN
issue-1691	95	63	of	of	ADP
issue-1691	95	64	entrepreneurship	entrepreneurship	NOUN
issue-1691	95	65	and	and	CCONJ
issue-1691	95	66	innovations	innovation	NOUN
issue-1691	95	67	(	(	PUNCT
issue-1691	95	68	technological	technological	ADJ
issue-1691	95	69	,	,	PUNCT
issue-1691	95	70	service	service	NOUN
issue-1691	95	71	,	,	PUNCT
issue-1691	95	72	and	and	CCONJ
issue-1691	95	73	product	product	NOUN
issue-1691	95	74	)	)	PUNCT
issue-1691	95	75	.	.	PUNCT
issue-1691	96	1	the	the	DET
issue-1691	96	2	main	main	ADJ
issue-1691	96	3	purpose	purpose	NOUN
issue-1691	96	4	of	of	ADP
issue-1691	96	5	fintech	fintech	NOUN
issue-1691	96	6	is	be	AUX
issue-1691	96	7	to	to	PART
issue-1691	96	8	change	change	VERB
issue-1691	96	9	the	the	DET
issue-1691	96	10	method	method	NOUN
issue-1691	96	11	of	of	ADP
issue-1691	96	12	financial	financial	ADJ
issue-1691	96	13	service	service	NOUN
issue-1691	96	14	delivery	delivery	NOUN
issue-1691	96	15	and	and	CCONJ
issue-1691	96	16	the	the	DET
issue-1691	96	17	ways	way	NOUN
issue-1691	96	18	of	of	ADP
issue-1691	96	19	financial	financial	ADJ
issue-1691	96	20	resource	resource	NOUN
issue-1691	96	21	obtaining	obtain	VERB
issue-1691	96	22	to	to	PART
issue-1691	96	23	enhance	enhance	VERB
issue-1691	96	24	their	their	PRON
issue-1691	96	25	consumer	consumer	NOUN
issue-1691	96	26	value	value	NOUN
issue-1691	96	27	.	.	PUNCT
issue-1691	97	1	this	this	PRON
issue-1691	97	2	determines	determine	VERB
issue-1691	97	3	the	the	DET
issue-1691	97	4	key	key	ADJ
issue-1691	97	5	objects	object	NOUN
issue-1691	97	6	of	of	ADP
issue-1691	97	7	digital	digital	ADJ
issue-1691	97	8	transformation	transformation	NOUN
issue-1691	97	9	(	(	PUNCT
issue-1691	97	10	organizational	organizational	ADJ
issue-1691	97	11	models	model	NOUN
issue-1691	97	12	,	,	PUNCT
issue-1691	97	13	processes	process	NOUN
issue-1691	97	14	and	and	CCONJ
issue-1691	97	15	procedures	procedure	NOUN
issue-1691	97	16	,	,	PUNCT
issue-1691	97	17	etc	etc	X
issue-1691	97	18	.	.	X
issue-1691	97	19	)	)	PUNCT
issue-1691	97	20	,	,	PUNCT
issue-1691	97	21	and	and	CCONJ
issue-1691	97	22	forms	form	VERB
issue-1691	97	23	new	new	ADJ
issue-1691	97	24	value	value	NOUN
issue-1691	97	25	chains	chain	NOUN
issue-1691	97	26	.	.	PUNCT
issue-1691	98	1	the	the	DET
issue-1691	98	2	value	value	NOUN
issue-1691	98	3	is	be	AUX
issue-1691	98	4	created	create	VERB
issue-1691	98	5	using	use	VERB
issue-1691	98	6	the	the	DET
issue-1691	98	7	specific	specific	ADJ
issue-1691	98	8	technological	technological	ADJ
issue-1691	98	9	base	base	NOUN
issue-1691	98	10	(	(	PUNCT
issue-1691	98	11	web	web	NOUN
issue-1691	98	12	and	and	CCONJ
issue-1691	98	13	mobile	mobile	NOUN
issue-1691	98	14	technologies	technology	NOUN
issue-1691	98	15	,	,	PUNCT
issue-1691	98	16	artificial	artificial	ADJ
issue-1691	98	17	intelligence	intelligence	NOUN
issue-1691	98	18	,	,	PUNCT
issue-1691	98	19	blockchain	blockchain	PROPN
issue-1691	98	20	,	,	PUNCT
issue-1691	98	21	big	big	ADJ
issue-1691	98	22	data	datum	NOUN
issue-1691	98	23	,	,	PUNCT
issue-1691	98	24	internet	internet	NOUN
issue-1691	98	25	of	of	ADP
issue-1691	98	26	things	thing	NOUN
issue-1691	98	27	,	,	PUNCT
issue-1691	98	28	cloud	cloud	NOUN
issue-1691	98	29	computations	computation	NOUN
issue-1691	98	30	,	,	PUNCT
issue-1691	98	31	biometric	biometric	ADJ
issue-1691	98	32	techno	techno	NOUN
issue-1691	98	33	logies	logie	NOUN
issue-1691	98	34	,	,	PUNCT
issue-1691	98	35	etc	etc	X
issue-1691	98	36	.	.	X
issue-1691	98	37	)	)	PUNCT
issue-1691	98	38	,	,	PUNCT
issue-1691	98	39	digital	digital	ADJ
issue-1691	98	40	infrastructure	infrastructure	NOUN
issue-1691	98	41	(	(	PUNCT
issue-1691	98	42	networks	network	NOUN
issue-1691	98	43	,	,	PUNCT
issue-1691	98	44	data	datum	NOUN
issue-1691	98	45	centers	center	NOUN
issue-1691	98	46	,	,	PUNCT
issue-1691	98	47	digital	digital	ADJ
issue-1691	98	48	platforms	platform	NOUN
issue-1691	98	49	,	,	PUNCT
issue-1691	98	50	etc	etc	X
issue-1691	98	51	.	.	X
issue-1691	98	52	)	)	PUNCT
issue-1691	98	53	and	and	CCONJ
issue-1691	98	54	institutions	institution	NOUN
issue-1691	98	55	(	(	PUNCT
issue-1691	98	56	national	national	ADJ
issue-1691	98	57	and	and	CCONJ
issue-1691	98	58	international	international	ADJ
issue-1691	98	59	legislation	legislation	NOUN
issue-1691	98	60	)	)	PUNCT
issue-1691	98	61	.	.	PUNCT
issue-1691	99	1	fintech	fintech	NOUN
issue-1691	99	2	encompasses	encompass	VERB
issue-1691	99	3	a	a	DET
issue-1691	99	4	wide	wide	ADJ
issue-1691	99	5	range	range	NOUN
issue-1691	99	6	of	of	ADP
issue-1691	99	7	financial	financial	ADJ
issue-1691	99	8	services	service	NOUN
issue-1691	99	9	and	and	CCONJ
issue-1691	99	10	access	access	NOUN
issue-1691	99	11	to	to	ADP
issue-1691	99	12	financial	financial	ADJ
issue-1691	99	13	resources	resource	NOUN
issue-1691	99	14	in	in	ADP
issue-1691	99	15	different	different	ADJ
issue-1691	99	16	segments	segment	NOUN
issue-1691	99	17	(	(	PUNCT
issue-1691	99	18	b2b	b2b	NOUN
issue-1691	99	19	,	,	PUNCT
issue-1691	99	20	b2с	b2с	PROPN
issue-1691	99	21	,	,	PUNCT
issue-1691	99	22	p2p	p2p	PROPN
issue-1691	99	23	,	,	PUNCT
issue-1691	99	24	p2в	p2в	NOUN
issue-1691	99	25	,	,	PUNCT
issue-1691	99	26	в2p	в2p	PROPN
issue-1691	99	27	)	)	PUNCT
issue-1691	99	28	.	.	PUNCT
issue-1691	100	1	the	the	DET
issue-1691	100	2	key	key	ADJ
issue-1691	100	3	areas	area	NOUN
issue-1691	100	4	of	of	ADP
issue-1691	100	5	the	the	DET
issue-1691	100	6	application	application	NOUN
issue-1691	100	7	of	of	ADP
issue-1691	100	8	financial	financial	ADJ
issue-1691	100	9	technologies	technology	NOUN
issue-1691	100	10	are	be	AUX
issue-1691	100	11	:	:	PUNCT
issue-1691	100	12	payments	payment	NOUN
issue-1691	100	13	and	and	CCONJ
issue-1691	100	14	transfers	transfer	NOUN
issue-1691	100	15	(	(	PUNCT
issue-1691	100	16	paytech	paytech	ADJ
issue-1691	100	17	)	)	PUNCT
issue-1691	100	18	;	;	PUNCT
issue-1691	100	19	remote	remote	ADJ
issue-1691	100	20	bank	bank	NOUN
issue-1691	100	21	services	service	NOUN
issue-1691	100	22	;	;	PUNCT
issue-1691	100	23	web	web	NOUN
issue-1691	100	24	banking	banking	NOUN
issue-1691	100	25	(	(	PUNCT
issue-1691	100	26	neobanking	neobanke	VERB
issue-1691	100	27	)	)	PUNCT
issue-1691	100	28	;	;	PUNCT
issue-1691	100	29	financial	financial	ADJ
issue-1691	100	30	marketplaces	marketplace	NOUN
issue-1691	100	31	;	;	PUNCT
issue-1691	100	32	crediting	crediting	NOUN
issue-1691	100	33	;	;	PUNCT
issue-1691	100	34	investment	investment	NOUN
issue-1691	100	35	(	(	PUNCT
issue-1691	100	36	asset	asset	NOUN
issue-1691	100	37	)	)	PUNCT
issue-1691	100	38	management	management	NOUN
issue-1691	100	39	;	;	PUNCT
issue-1691	100	40	insurance	insurance	NOUN
issue-1691	100	41	(	(	PUNCT
issue-1691	100	42	insurtech	insurtech	PROPN
issue-1691	100	43	)	)	PUNCT
issue-1691	100	44	;	;	PUNCT
issue-1691	100	45	personal	personal	ADJ
issue-1691	100	46	finances	finance	NOUN
issue-1691	100	47	(	(	PUNCT
issue-1691	100	48	electronic	electronic	ADJ
issue-1691	100	49	wallet	wallet	NOUN
issue-1691	100	50	)	)	PUNCT
issue-1691	100	51	;	;	PUNCT
issue-1691	100	52	digital	digital	ADJ
issue-1691	100	53	(	(	PUNCT
issue-1691	100	54	electronic	electronic	ADJ
issue-1691	100	55	)	)	PUNCT
issue-1691	100	56	currencies	currency	NOUN
issue-1691	100	57	,	,	PUNCT
issue-1691	100	58	in	in	ADP
issue-1691	100	59	particular	particular	ADJ
issue-1691	100	60	cryptocurrencies	cryptocurrencie	NOUN
issue-1691	100	61	;	;	PUNCT
issue-1691	100	62	digital	digital	ADJ
issue-1691	100	63	crowdfunding	crowdfunding	NOUN
issue-1691	100	64	.	.	PUNCT
issue-1691	101	1	such	such	DET
issue-1691	101	2	a	a	DET
issue-1691	101	3	variety	variety	NOUN
issue-1691	101	4	of	of	ADP
issue-1691	101	5	areas	area	NOUN
issue-1691	101	6	brings	bring	VERB
issue-1691	101	7	together	together	ADV
issue-1691	101	8	a	a	DET
issue-1691	101	9	wide	wide	ADJ
issue-1691	101	10	range	range	NOUN
issue-1691	101	11	of	of	ADP
issue-1691	101	12	fintech	fintech	NOUN
issue-1691	101	13	subjects	subject	NOUN
issue-1691	101	14	(	(	PUNCT
issue-1691	101	15	providers	provider	NOUN
issue-1691	101	16	)	)	PUNCT
issue-1691	101	17	,	,	PUNCT
issue-1691	101	18	as	as	SCONJ
issue-1691	101	19	follows	follow	VERB
issue-1691	101	20	:	:	PUNCT
issue-1691	101	21	traditional	traditional	ADJ
issue-1691	101	22	financial	financial	ADJ
issue-1691	101	23	institutions	institution	NOUN
issue-1691	101	24	(	(	PUNCT
issue-1691	101	25	banks	bank	NOUN
issue-1691	101	26	,	,	PUNCT
issue-1691	101	27	insurance	insurance	NOUN
issue-1691	101	28	companies	company	NOUN
issue-1691	101	29	)	)	PUNCT
issue-1691	101	30	;	;	PUNCT
issue-1691	101	31	fintech	fintech	NOUN
issue-1691	101	32	companies	company	NOUN
issue-1691	101	33	(	(	PUNCT
issue-1691	101	34	startups	startup	NOUN
issue-1691	101	35	)	)	PUNCT
issue-1691	101	36	;	;	PUNCT
issue-1691	101	37	bigtech	bigtech	NOUN
issue-1691	101	38	companies	company	NOUN
issue-1691	101	39	(	(	PUNCT
issue-1691	101	40	search	search	NOUN
issue-1691	101	41	engines	engine	NOUN
issue-1691	101	42	,	,	PUNCT
issue-1691	101	43	online	online	ADJ
issue-1691	101	44	platforms	platform	NOUN
issue-1691	101	45	,	,	PUNCT
issue-1691	101	46	social	social	ADJ
issue-1691	101	47	networks	network	NOUN
issue-1691	101	48	,	,	PUNCT
issue-1691	101	49	media	medium	NOUN
issue-1691	101	50	and	and	CCONJ
issue-1691	101	51	messengers	messenger	NOUN
issue-1691	101	52	,	,	PUNCT
issue-1691	101	53	hardware	hardware	NOUN
issue-1691	101	54	producers	producer	NOUN
issue-1691	101	55	)	)	PUNCT
issue-1691	101	56	.	.	PUNCT
issue-1691	102	1	making	make	VERB
issue-1691	102	2	fundamental	fundamental	ADJ
issue-1691	102	3	baltic	baltic	ADJ
issue-1691	102	4	journal	journal	NOUN
issue-1691	102	5	of	of	ADP
issue-1691	102	6	economic	economic	ADJ
issue-1691	102	7	studies	study	NOUN
issue-1691	102	8	152	152	NUM
issue-1691	102	9	vol	vol	NOUN
issue-1691	102	10	.	.	PROPN
issue-1691	102	11	8	8	NUM
issue-1691	103	1	no	no	NOUN
issue-1691	103	2	.	.	NOUN
issue-1691	103	3	1	1	NUM
issue-1691	103	4	,	,	PUNCT
issue-1691	103	5	2022	2022	NUM
issue-1691	103	6	changes	change	NOUN
issue-1691	103	7	,	,	PUNCT
issue-1691	103	8	fintech	fintech	NOUN
issue-1691	103	9	"	"	PUNCT
issue-1691	103	10	undermine	undermine	ADJ
issue-1691	103	11	"	"	PUNCT
issue-1691	103	12	traditional	traditional	ADJ
issue-1691	103	13	markets	market	NOUN
issue-1691	103	14	,	,	PUNCT
issue-1691	103	15	which	which	PRON
issue-1691	103	16	is	be	AUX
issue-1691	103	17	particularly	particularly	ADV
issue-1691	103	18	related	relate	VERB
issue-1691	103	19	to	to	ADP
issue-1691	103	20	the	the	DET
issue-1691	103	21	implementation	implementation	NOUN
issue-1691	103	22	of	of	ADP
issue-1691	103	23	innovative	innovative	ADJ
issue-1691	103	24	technologies	technology	NOUN
issue-1691	103	25	,	,	PUNCT
issue-1691	103	26	emergence	emergence	NOUN
issue-1691	103	27	of	of	ADP
issue-1691	103	28	electronic	electronic	ADJ
issue-1691	103	29	currencies	currency	NOUN
issue-1691	103	30	,	,	PUNCT
issue-1691	103	31	customization	customization	NOUN
issue-1691	103	32	of	of	ADP
issue-1691	103	33	financial	financial	ADJ
issue-1691	103	34	services	service	NOUN
issue-1691	103	35	,	,	PUNCT
issue-1691	103	36	democratization	democratization	NOUN
issue-1691	103	37	of	of	ADP
issue-1691	103	38	financial	financial	ADJ
issue-1691	103	39	resources	resource	NOUN
issue-1691	103	40	,	,	PUNCT
issue-1691	103	41	and	and	CCONJ
issue-1691	103	42	it	it	PRON
issue-1691	103	43	brings	bring	VERB
issue-1691	103	44	about	about	ADP
issue-1691	103	45	new	new	ADJ
issue-1691	103	46	business	business	NOUN
issue-1691	103	47	models	model	NOUN
issue-1691	103	48	of	of	ADP
issue-1691	103	49	fintech	fintech	NOUN
issue-1691	103	50	and	and	CCONJ
issue-1691	103	51	other	other	ADJ
issue-1691	103	52	companies	company	NOUN
issue-1691	103	53	and	and	CCONJ
issue-1691	103	54	regulatory	regulatory	ADJ
issue-1691	103	55	environment	environment	NOUN
issue-1691	103	56	.	.	PUNCT
issue-1691	104	1	digital	digital	ADJ
issue-1691	104	2	finances	finance	NOUN
issue-1691	104	3	have	have	VERB
issue-1691	104	4	significant	significant	ADJ
issue-1691	104	5	advantages	advantage	NOUN
issue-1691	104	6	,	,	PUNCT
issue-1691	104	7	but	but	CCONJ
issue-1691	104	8	also	also	ADV
issue-1691	104	9	have	have	VERB
issue-1691	104	10	certain	certain	ADJ
issue-1691	104	11	problematic	problematic	ADJ
issue-1691	104	12	aspects	aspect	NOUN
issue-1691	104	13	,	,	PUNCT
issue-1691	104	14	particularly	particularly	ADV
issue-1691	104	15	those	those	PRON
issue-1691	104	16	associated	associate	VERB
issue-1691	104	17	with	with	ADP
issue-1691	104	18	risks	risk	NOUN
issue-1691	104	19	.	.	PUNCT
issue-1691	105	1	the	the	DET
issue-1691	105	2	importance	importance	NOUN
issue-1691	105	3	of	of	ADP
issue-1691	105	4	financial	financial	ADJ
issue-1691	105	5	services	service	NOUN
issue-1691	105	6	determines	determine	VERB
issue-1691	105	7	social	social	ADJ
issue-1691	105	8	and	and	CCONJ
issue-1691	105	9	economic	economic	ADJ
issue-1691	105	10	implications	implication	NOUN
issue-1691	105	11	of	of	ADP
issue-1691	105	12	fintech	fintech	NOUN
issue-1691	105	13	,	,	PUNCT
issue-1691	105	14	the	the	DET
issue-1691	105	15	assessment	assessment	NOUN
issue-1691	105	16	of	of	ADP
issue-1691	105	17	which	which	PRON
issue-1691	105	18	highlights	highlight	VERB
issue-1691	105	19	its	its	PRON
issue-1691	105	20	enhancing	enhance	VERB
issue-1691	105	21	functions	function	NOUN
issue-1691	105	22	in	in	ADP
issue-1691	105	23	the	the	DET
issue-1691	105	24	economy	economy	NOUN
issue-1691	105	25	(	(	PUNCT
issue-1691	105	26	infrastructural	infrastructural	ADJ
issue-1691	105	27	,	,	PUNCT
issue-1691	105	28	transformational	transformational	ADJ
issue-1691	105	29	,	,	PUNCT
issue-1691	105	30	promotional	promotional	ADJ
issue-1691	105	31	,	,	PUNCT
issue-1691	105	32	etc	etc	X
issue-1691	105	33	.	.	X
issue-1691	105	34	)	)	PUNCT
issue-1691	105	35	.	.	PUNCT
issue-1691	106	1	an	an	DET
issue-1691	106	2	expansion	expansion	NOUN
issue-1691	106	3	of	of	ADP
issue-1691	106	4	fintech	fintech	NOUN
issue-1691	106	5	is	be	AUX
issue-1691	106	6	mostly	mostly	ADV
issue-1691	106	7	international	international	ADJ
issue-1691	106	8	and	and	CCONJ
issue-1691	106	9	related	relate	VERB
issue-1691	106	10	to	to	ADP
issue-1691	106	11	trade	trade	NOUN
issue-1691	106	12	and	and	CCONJ
issue-1691	106	13	capital	capital	NOUN
issue-1691	106	14	flows	flow	NOUN
issue-1691	106	15	as	as	ADV
issue-1691	106	16	well	well	ADV
issue-1691	106	17	as	as	ADP
issue-1691	106	18	a	a	DET
issue-1691	106	19	globalization	globalization	NOUN
issue-1691	106	20	of	of	ADP
issue-1691	106	21	financial	financial	ADJ
issue-1691	106	22	resource	resource	NOUN
issue-1691	106	23	markets	market	NOUN
issue-1691	106	24	.	.	PUNCT
issue-1691	107	1	along	along	ADP
issue-1691	107	2	with	with	ADP
issue-1691	107	3	an	an	DET
issue-1691	107	4	adaptation	adaptation	NOUN
issue-1691	107	5	of	of	ADP
issue-1691	107	6	the	the	DET
issue-1691	107	7	national	national	ADJ
issue-1691	107	8	systems	system	NOUN
issue-1691	107	9	for	for	ADP
issue-1691	107	10	the	the	DET
issue-1691	107	11	regulation	regulation	NOUN
issue-1691	107	12	of	of	ADP
issue-1691	107	13	digital	digital	ADJ
issue-1691	107	14	finances	finance	NOUN
issue-1691	107	15	,	,	PUNCT
issue-1691	107	16	there	there	PRON
issue-1691	107	17	is	be	VERB
issue-1691	107	18	a	a	DET
issue-1691	107	19	formation	formation	NOUN
issue-1691	107	20	of	of	ADP
issue-1691	107	21	international	international	ADJ
issue-1691	107	22	regulation	regulation	NOUN
issue-1691	107	23	.	.	PUNCT
issue-1691	108	1	the	the	DET
issue-1691	108	2	problem	problem	NOUN
issue-1691	108	3	of	of	ADP
issue-1691	108	4	economic	economic	ADJ
issue-1691	108	5	efficiency	efficiency	NOUN
issue-1691	108	6	is	be	AUX
issue-1691	108	7	central	central	ADJ
issue-1691	108	8	to	to	ADP
issue-1691	108	9	the	the	DET
issue-1691	108	10	development	development	NOUN
issue-1691	108	11	of	of	ADP
issue-1691	108	12	fintech	fintech	NOUN
issue-1691	108	13	.	.	PUNCT
issue-1691	109	1	this	this	PRON
issue-1691	109	2	is	be	AUX
issue-1691	109	3	primarily	primarily	ADV
issue-1691	109	4	because	because	SCONJ
issue-1691	109	5	it	it	PRON
issue-1691	109	6	became	become	VERB
issue-1691	109	7	a	a	DET
issue-1691	109	8	part	part	NOUN
issue-1691	109	9	of	of	ADP
issue-1691	109	10	value	value	NOUN
issue-1691	109	11	chains	chain	NOUN
issue-1691	109	12	,	,	PUNCT
issue-1691	109	13	which	which	PRON
issue-1691	109	14	depend	depend	VERB
issue-1691	109	15	on	on	ADP
issue-1691	109	16	the	the	DET
issue-1691	109	17	economic	economic	ADJ
issue-1691	109	18	parameters	parameter	NOUN
issue-1691	109	19	of	of	ADP
issue-1691	109	20	financial	financial	ADJ
issue-1691	109	21	service	service	NOUN
issue-1691	109	22	delivery	delivery	NOUN
issue-1691	109	23	.	.	PUNCT
issue-1691	110	1	the	the	DET
issue-1691	110	2	value	value	NOUN
issue-1691	110	3	of	of	ADP
issue-1691	110	4	the	the	DET
issue-1691	110	5	services	service	NOUN
issue-1691	110	6	themselves	themselves	PRON
issue-1691	110	7	results	result	VERB
issue-1691	110	8	from	from	ADP
issue-1691	110	9	this	this	DET
issue-1691	110	10	factor	factor	NOUN
issue-1691	110	11	.	.	PUNCT
issue-1691	111	1	the	the	DET
issue-1691	111	2	effectiveness	effectiveness	NOUN
issue-1691	111	3	determines	determine	VERB
issue-1691	111	4	:	:	PUNCT
issue-1691	111	5	1	1	X
issue-1691	111	6	)	)	PUNCT
issue-1691	111	7	digital	digital	ADJ
issue-1691	111	8	advantages	advantage	NOUN
issue-1691	111	9	and	and	CCONJ
issue-1691	111	10	satisfaction	satisfaction	NOUN
issue-1691	111	11	of	of	ADP
issue-1691	111	12	the	the	DET
issue-1691	111	13	demands	demand	NOUN
issue-1691	111	14	of	of	ADP
issue-1691	111	15	consumers	consumer	NOUN
issue-1691	111	16	and	and	CCONJ
issue-1691	111	17	business	business	NOUN
issue-1691	111	18	entities	entity	NOUN
issue-1691	111	19	that	that	PRON
issue-1691	111	20	use	use	VERB
issue-1691	111	21	fintech	fintech	NOUN
issue-1691	111	22	;	;	PUNCT
issue-1691	111	23	2	2	X
issue-1691	111	24	)	)	PUNCT
issue-1691	111	25	the	the	DET
issue-1691	111	26	level	level	NOUN
issue-1691	111	27	of	of	ADP
issue-1691	111	28	the	the	DET
issue-1691	111	29	pursuance	pursuance	NOUN
issue-1691	111	30	of	of	ADP
issue-1691	111	31	interests	interest	NOUN
issue-1691	111	32	of	of	ADP
issue-1691	111	33	fintech	fintech	NOUN
issue-1691	111	34	companies	company	NOUN
issue-1691	111	35	;	;	PUNCT
issue-1691	111	36	3	3	X
issue-1691	111	37	)	)	PUNCT
issue-1691	111	38	an	an	DET
issue-1691	111	39	amount	amount	NOUN
issue-1691	111	40	of	of	ADP
issue-1691	111	41	positive	positive	ADJ
issue-1691	111	42	effects	effect	NOUN
issue-1691	111	43	of	of	ADP
issue-1691	111	44	fintech	fintech	NOUN
issue-1691	111	45	on	on	ADP
issue-1691	111	46	the	the	DET
issue-1691	111	47	economy	economy	NOUN
issue-1691	111	48	and	and	CCONJ
issue-1691	111	49	possible	possible	ADJ
issue-1691	111	50	minimization	minimization	NOUN
issue-1691	111	51	of	of	ADP
issue-1691	111	52	the	the	DET
issue-1691	111	53	adverse	adverse	ADJ
issue-1691	111	54	effects	effect	NOUN
issue-1691	111	55	of	of	ADP
issue-1691	111	56	its	its	PRON
issue-1691	111	57	development	development	NOUN
issue-1691	111	58	.	.	PUNCT
issue-1691	112	1	one	one	NUM
issue-1691	112	2	of	of	ADP
issue-1691	112	3	the	the	DET
issue-1691	112	4	largest	large	ADJ
issue-1691	112	5	segments	segment	NOUN
issue-1691	112	6	of	of	ADP
issue-1691	112	7	digital	digital	ADJ
issue-1691	112	8	finances	finance	NOUN
issue-1691	112	9	is	be	AUX
issue-1691	112	10	paytech	paytech	ADJ
issue-1691	112	11	,	,	PUNCT
issue-1691	112	12	aimed	aim	VERB
issue-1691	112	13	to	to	PART
issue-1691	112	14	transform	transform	VERB
issue-1691	112	15	the	the	DET
issue-1691	112	16	ways	way	NOUN
issue-1691	112	17	of	of	ADP
issue-1691	112	18	carrying	carry	VERB
issue-1691	112	19	out	out	ADP
issue-1691	112	20	payment	payment	NOUN
issue-1691	112	21	transactions	transaction	NOUN
issue-1691	112	22	and	and	CCONJ
issue-1691	112	23	delivering	deliver	VERB
issue-1691	112	24	payment	payment	NOUN
issue-1691	112	25	services	service	NOUN
issue-1691	112	26	(	(	PUNCT
issue-1691	112	27	covering	cover	VERB
issue-1691	112	28	payments	payment	NOUN
issue-1691	112	29	and	and	CCONJ
issue-1691	112	30	transfers	transfer	NOUN
issue-1691	112	31	of	of	ADP
issue-1691	112	32	funds	fund	NOUN
issue-1691	112	33	)	)	PUNCT
issue-1691	112	34	.	.	PUNCT
issue-1691	113	1	an	an	DET
issue-1691	113	2	increase	increase	NOUN
issue-1691	113	3	in	in	ADP
issue-1691	113	4	the	the	DET
issue-1691	113	5	number	number	NOUN
issue-1691	113	6	,	,	PUNCT
issue-1691	113	7	scope	scope	NOUN
issue-1691	113	8	and	and	CCONJ
issue-1691	113	9	varieties	variety	NOUN
issue-1691	113	10	of	of	ADP
issue-1691	113	11	electronic	electronic	ADJ
issue-1691	113	12	payment	payment	NOUN
issue-1691	113	13	transactions	transaction	NOUN
issue-1691	113	14	,	,	PUNCT
issue-1691	113	15	owing	owe	VERB
issue-1691	113	16	to	to	ADP
issue-1691	113	17	paytech	paytech	NOUN
issue-1691	113	18	,	,	PUNCT
issue-1691	113	19	is	be	AUX
issue-1691	113	20	an	an	DET
issue-1691	113	21	evidence	evidence	NOUN
issue-1691	113	22	of	of	ADP
issue-1691	113	23	its	its	PRON
issue-1691	113	24	growing	grow	VERB
issue-1691	113	25	importance	importance	NOUN
issue-1691	113	26	.	.	PUNCT
issue-1691	114	1	the	the	DET
issue-1691	114	2	traditional	traditional	ADJ
issue-1691	114	3	payment	payment	NOUN
issue-1691	114	4	tools	tool	NOUN
issue-1691	114	5	are	be	AUX
issue-1691	114	6	rapidly	rapidly	ADV
issue-1691	114	7	replaced	replace	VERB
issue-1691	114	8	by	by	ADP
issue-1691	114	9	digital	digital	ADJ
issue-1691	114	10	or	or	CCONJ
issue-1691	114	11	electronic	electronic	ADJ
issue-1691	114	12	(	(	PUNCT
issue-1691	114	13	e	e	NOUN
issue-1691	114	14	-	-	NOUN
issue-1691	114	15	payment	payment	NOUN
issue-1691	114	16	)	)	PUNCT
issue-1691	114	17	ones	one	NOUN
issue-1691	114	18	,	,	PUNCT
issue-1691	114	19	which	which	PRON
issue-1691	114	20	creates	create	VERB
issue-1691	114	21	a	a	DET
issue-1691	114	22	new	new	ADJ
issue-1691	114	23	payment	payment	NOUN
issue-1691	114	24	mechanism	mechanism	NOUN
issue-1691	114	25	in	in	ADP
issue-1691	114	26	the	the	DET
issue-1691	114	27	economy	economy	NOUN
issue-1691	114	28	.	.	PUNCT
issue-1691	115	1	this	this	PRON
issue-1691	115	2	is	be	AUX
issue-1691	115	3	more	more	ADV
issue-1691	115	4	and	and	CCONJ
issue-1691	115	5	more	more	ADJ
issue-1691	115	6	the	the	DET
issue-1691	115	7	case	case	NOUN
issue-1691	115	8	of	of	ADP
issue-1691	115	9	cross	cross	ADJ
issue-1691	115	10	-	-	ADJ
issue-1691	115	11	border	border	ADJ
issue-1691	115	12	payments	payment	NOUN
issue-1691	115	13	,	,	PUNCT
issue-1691	115	14	and	and	CCONJ
issue-1691	115	15	it	it	PRON
issue-1691	115	16	evolves	evolve	VERB
issue-1691	115	17	in	in	ADP
issue-1691	115	18	the	the	DET
issue-1691	115	19	context	context	NOUN
issue-1691	115	20	of	of	ADP
issue-1691	115	21	the	the	DET
issue-1691	115	22	globalization	globalization	NOUN
issue-1691	115	23	of	of	ADP
issue-1691	115	24	digital	digital	ADJ
issue-1691	115	25	economy	economy	NOUN
issue-1691	115	26	.	.	PUNCT
issue-1691	116	1	despite	despite	SCONJ
issue-1691	116	2	the	the	DET
issue-1691	116	3	reduction	reduction	NOUN
issue-1691	116	4	of	of	ADP
issue-1691	116	5	payments	payment	NOUN
issue-1691	116	6	caused	cause	VERB
issue-1691	116	7	by	by	ADP
issue-1691	116	8	the	the	DET
issue-1691	116	9	decline	decline	NOUN
issue-1691	116	10	in	in	ADP
issue-1691	116	11	the	the	DET
issue-1691	116	12	economy	economy	NOUN
issue-1691	116	13	due	due	ADP
issue-1691	116	14	to	to	ADP
issue-1691	116	15	the	the	DET
issue-1691	116	16	covid-19	covid-19	PROPN
issue-1691	116	17	pandemic	pandemic	NOUN
issue-1691	116	18	,	,	PUNCT
issue-1691	116	19	mckinsey	mckinsey	NOUN
issue-1691	116	20	predicted	predict	VERB
issue-1691	116	21	sustainable	sustainable	ADJ
issue-1691	116	22	growth	growth	NOUN
issue-1691	116	23	by	by	ADP
issue-1691	116	24	2025	2025	NUM
issue-1691	116	25	.	.	PUNCT
issue-1691	117	1	the	the	DET
issue-1691	117	2	predicted	predict	VERB
issue-1691	117	3	dynamics	dynamic	NOUN
issue-1691	117	4	of	of	ADP
issue-1691	117	5	the	the	DET
issue-1691	117	6	scope	scope	NOUN
issue-1691	117	7	of	of	ADP
issue-1691	117	8	global	global	ADJ
issue-1691	117	9	payment	payment	NOUN
issue-1691	117	10	revenues	revenue	NOUN
issue-1691	117	11	is	be	AUX
issue-1691	117	12	as	as	SCONJ
issue-1691	117	13	follows	follow	VERB
issue-1691	117	14	(	(	PUNCT
issue-1691	117	15	trillions	trillion	NOUN
issue-1691	117	16	of	of	ADP
issue-1691	117	17	us	us	PROPN
issue-1691	117	18	dollars	dollar	NOUN
issue-1691	117	19	):	):	PUNCT
issue-1691	117	20	2011	2011	NUM
issue-1691	117	21	–	–	PUNCT
issue-1691	117	22	1.2	1.2	NUM
issue-1691	117	23	;	;	PUNCT
issue-1691	117	24	2015	2015	NUM
issue-1691	117	25	–	–	PUNCT
issue-1691	117	26	1.5	1.5	NUM
issue-1691	117	27	;	;	PUNCT
issue-1691	117	28	2019	2019	NUM
issue-1691	117	29	–	–	PUNCT
issue-1691	117	30	2.0	2.0	NUM
issue-1691	117	31	;	;	PUNCT
issue-1691	117	32	2020	2020	NUM
issue-1691	117	33	–	–	PUNCT
issue-1691	117	34	1.9	1.9	NUM
issue-1691	117	35	;	;	PUNCT
issue-1691	117	36	2021	2021	NUM
issue-1691	117	37	(	(	PUNCT
issue-1691	117	38	assessment	assessment	NOUN
issue-1691	117	39	)	)	PUNCT
issue-1691	117	40	–	–	PUNCT
issue-1691	117	41	2.0	2.0	NUM
issue-1691	117	42	;	;	PUNCT
issue-1691	117	43	2025	2025	NUM
issue-1691	117	44	(	(	PUNCT
issue-1691	117	45	forecast	forecast	NOUN
issue-1691	117	46	)	)	PUNCT
issue-1691	117	47	–	–	PUNCT
issue-1691	117	48	2.6	2.6	NUM
issue-1691	117	49	(	(	PUNCT
issue-1691	117	50	bruno	bruno	PROPN
issue-1691	117	51	,	,	PUNCT
issue-1691	117	52	denecker	denecker	ADJ
issue-1691	117	53	,	,	PUNCT
issue-1691	117	54	niederkorn	niederkorn	ADJ
issue-1691	117	55	,	,	PUNCT
issue-1691	117	56	2021	2021	NUM
issue-1691	117	57	)	)	PUNCT
issue-1691	117	58	.	.	PUNCT
issue-1691	118	1	bcg	bcg	PROPN
issue-1691	118	2	predicts	predict	VERB
issue-1691	118	3	that	that	SCONJ
issue-1691	118	4	the	the	DET
issue-1691	118	5	market	market	NOUN
issue-1691	118	6	of	of	ADP
issue-1691	118	7	electronic	electronic	ADJ
issue-1691	118	8	payments	payment	NOUN
issue-1691	118	9	will	will	AUX
issue-1691	118	10	have	have	VERB
issue-1691	118	11	positive	positive	ADJ
issue-1691	118	12	dynamics	dynamic	NOUN
issue-1691	118	13	,	,	PUNCT
issue-1691	118	14	particularly	particularly	ADV
issue-1691	118	15	in	in	ADP
issue-1691	118	16	retail	retail	ADJ
issue-1691	118	17	trend	trend	NOUN
issue-1691	118	18	(	(	PUNCT
issue-1691	118	19	table	table	NOUN
issue-1691	118	20	1	1	NUM
issue-1691	118	21	)	)	PUNCT
issue-1691	118	22	(	(	PUNCT
issue-1691	118	23	sénant	sénant	NOUN
issue-1691	118	24	,	,	PUNCT
issue-1691	118	25	ampenberger	ampenberger	PROPN
issue-1691	118	26	,	,	PUNCT
issue-1691	118	27	mathur	mathur	PROPN
issue-1691	118	28	,	,	PUNCT
issue-1691	118	29	etc	etc	X
issue-1691	118	30	.	.	X
issue-1691	118	31	,	,	PUNCT
issue-1691	118	32	2021	2021	NUM
issue-1691	118	33	)	)	PUNCT
issue-1691	118	34	.	.	PUNCT
issue-1691	119	1	table	table	NOUN
issue-1691	119	2	1	1	NUM
issue-1691	119	3	income	income	NOUN
issue-1691	119	4	from	from	ADP
issue-1691	119	5	global	global	ADJ
issue-1691	119	6	payments	payment	NOUN
issue-1691	119	7	(	(	PUNCT
issue-1691	119	8	forecasts	forecast	NOUN
issue-1691	119	9	)	)	PUNCT
issue-1691	119	10	,	,	PUNCT
issue-1691	119	11	trillions	trillion	VERB
issue-1691	119	12	us	we	PRON
issue-1691	119	13	dollars	dollar	NOUN
issue-1691	119	14	2015	2015	NUM
issue-1691	119	15	2019	2019	NUM
issue-1691	119	16	2020	2020	NUM
issue-1691	119	17	2025	2025	NUM
issue-1691	119	18	2030	2030	NUM
issue-1691	119	19	totally	totally	ADV
issue-1691	119	20	1.1	1.1	NUM
issue-1691	119	21	1.5	1.5	NUM
issue-1691	119	22	1.5	1.5	NUM
issue-1691	119	23	2.1	2.1	NUM
issue-1691	119	24	2.9	2.9	NUM
issue-1691	119	25	wholesale	wholesale	ADJ
issue-1691	119	26	trade	trade	NOUN
issue-1691	119	27	0.3	0.3	NUM
issue-1691	119	28	0.4	0.4	NUM
issue-1691	119	29	0.4	0.4	NUM
issue-1691	119	30	0.5	0.5	NUM
issue-1691	119	31	0.7	0.7	NUM
issue-1691	119	32	retail	retail	ADJ
issue-1691	119	33	trade	trade	NOUN
issue-1691	119	34	0.8	0.8	NUM
issue-1691	119	35	1.1	1.1	NUM
issue-1691	119	36	1.1	1.1	NUM
issue-1691	119	37	1.6	1.6	NUM
issue-1691	119	38	2.2	2.2	NUM
issue-1691	119	39	source	source	NOUN
issue-1691	119	40	:	:	PUNCT
issue-1691	119	41	boston	boston	PROPN
issue-1691	119	42	consulting	consulting	PROPN
issue-1691	119	43	group	group	NOUN
issue-1691	119	44	a	a	DET
issue-1691	119	45	transfer	transfer	NOUN
issue-1691	119	46	from	from	ADP
issue-1691	119	47	the	the	DET
issue-1691	119	48	noncash	noncash	NOUN
issue-1691	119	49	electronic	electronic	ADJ
issue-1691	119	50	payments	payment	NOUN
issue-1691	119	51	has	have	AUX
issue-1691	119	52	been	be	AUX
issue-1691	119	53	going	go	VERB
issue-1691	119	54	on	on	ADP
issue-1691	119	55	for	for	ADP
issue-1691	119	56	a	a	DET
issue-1691	119	57	long	long	ADJ
issue-1691	119	58	time	time	NOUN
issue-1691	119	59	in	in	ADP
issue-1691	119	60	the	the	DET
issue-1691	119	61	global	global	ADJ
issue-1691	119	62	payment	payment	NOUN
issue-1691	119	63	activity	activity	NOUN
issue-1691	119	64	,	,	PUNCT
issue-1691	119	65	and	and	CCONJ
issue-1691	119	66	covid-19	covid-19	PROPN
issue-1691	119	67	pandemic	pandemic	NOUN
issue-1691	119	68	also	also	ADV
issue-1691	119	69	fosters	foster	VERB
issue-1691	119	70	it	it	PRON
issue-1691	119	71	.	.	PUNCT
issue-1691	120	1	in	in	ADP
issue-1691	120	2	the	the	DET
issue-1691	120	3	structure	structure	NOUN
issue-1691	120	4	of	of	ADP
issue-1691	120	5	global	global	ADJ
issue-1691	120	6	income	income	NOUN
issue-1691	120	7	from	from	ADP
issue-1691	120	8	fintech	fintech	NOUN
issue-1691	120	9	,	,	PUNCT
issue-1691	120	10	the	the	DET
issue-1691	120	11	scope	scope	NOUN
issue-1691	120	12	of	of	ADP
issue-1691	120	13	payment	payment	NOUN
issue-1691	120	14	segment	segment	NOUN
issue-1691	120	15	for	for	ADP
issue-1691	120	16	the	the	DET
issue-1691	120	17	period	period	NOUN
issue-1691	120	18	of	of	ADP
issue-1691	120	19	2016–2019	2016–2019	NUM
issue-1691	120	20	grew	grow	VERB
issue-1691	120	21	by	by	ADP
issue-1691	120	22	100	100	NUM
issue-1691	120	23	%	%	NOUN
issue-1691	120	24	and	and	CCONJ
issue-1691	120	25	amounted	amount	VERB
issue-1691	120	26	to	to	ADP
issue-1691	120	27	about	about	ADV
issue-1691	120	28	8	8	NUM
issue-1691	120	29	%	%	NOUN
issue-1691	120	30	(	(	PUNCT
issue-1691	120	31	6	6	NUM
issue-1691	120	32	%	%	NOUN
issue-1691	120	33	–	–	PUNCT
issue-1691	120	34	non	non	ADJ
issue-1691	120	35	-	-	ADJ
issue-1691	120	36	bank	bank	ADJ
issue-1691	120	37	and	and	CCONJ
issue-1691	120	38	2	2	NUM
issue-1691	120	39	%	%	NOUN
issue-1691	120	40	–	–	PUNCT
issue-1691	120	41	bank	bank	NOUN
issue-1691	120	42	)	)	PUNCT
issue-1691	120	43	(	(	PUNCT
issue-1691	120	44	palandrani	palandrani	ADJ
issue-1691	120	45	,	,	PUNCT
issue-1691	120	46	2019	2019	NUM
issue-1691	120	47	)	)	PUNCT
issue-1691	120	48	.	.	PUNCT
issue-1691	121	1	the	the	DET
issue-1691	121	2	scope	scope	NOUN
issue-1691	121	3	of	of	ADP
issue-1691	121	4	the	the	DET
issue-1691	121	5	world	world	NOUN
issue-1691	121	6	market	market	NOUN
issue-1691	121	7	of	of	ADP
issue-1691	121	8	electronic	electronic	ADJ
issue-1691	121	9	payments	payment	NOUN
issue-1691	121	10	in	in	ADP
issue-1691	121	11	2020	2020	NUM
issue-1691	121	12	was	be	AUX
issue-1691	121	13	estimated	estimate	VERB
issue-1691	121	14	at	at	ADP
issue-1691	121	15	58.30	58.30	NUM
issue-1691	121	16	billion	billion	NUM
issue-1691	121	17	us	us	PROPN
issue-1691	121	18	dollars	dollar	NOUN
issue-1691	121	19	.	.	PUNCT
issue-1691	122	1	it	it	PRON
issue-1691	122	2	is	be	AUX
issue-1691	122	3	expected	expect	VERB
issue-1691	122	4	that	that	SCONJ
issue-1691	122	5	,	,	PUNCT
issue-1691	122	6	within	within	ADP
issue-1691	122	7	the	the	DET
issue-1691	122	8	period	period	NOUN
issue-1691	122	9	from	from	ADP
issue-1691	122	10	2021	2021	NUM
issue-1691	122	11	till	till	SCONJ
issue-1691	122	12	2028	2028	NUM
issue-1691	122	13	,	,	PUNCT
issue-1691	122	14	it	it	PRON
issue-1691	122	15	will	will	AUX
issue-1691	122	16	grow	grow	VERB
issue-1691	122	17	at	at	ADP
issue-1691	122	18	an	an	DET
issue-1691	122	19	average	average	ADJ
issue-1691	122	20	annual	annual	ADJ
issue-1691	122	21	rate	rate	NOUN
issue-1691	122	22	of	of	ADP
issue-1691	122	23	19.4	19.4	NUM
issue-1691	122	24	%	%	NOUN
issue-1691	122	25	,	,	PUNCT
issue-1691	122	26	which	which	PRON
issue-1691	122	27	will	will	AUX
issue-1691	122	28	be	be	AUX
issue-1691	122	29	facilitated	facilitate	VERB
issue-1691	122	30	by	by	ADP
issue-1691	122	31	the	the	DET
issue-1691	122	32	increased	increase	VERB
issue-1691	122	33	internet	internet	NOUN
issue-1691	122	34	penetration	penetration	NOUN
issue-1691	122	35	,	,	PUNCT
issue-1691	122	36	spread	spread	NOUN
issue-1691	122	37	of	of	ADP
issue-1691	122	38	smartphones	smartphone	NOUN
issue-1691	122	39	,	,	PUNCT
issue-1691	122	40	and	and	CCONJ
issue-1691	122	41	growth	growth	NOUN
issue-1691	122	42	of	of	ADP
issue-1691	122	43	e	e	NOUN
issue-1691	122	44	-	-	NOUN
issue-1691	122	45	commerce	commerce	NOUN
issue-1691	122	46	(	(	PUNCT
issue-1691	122	47	freshfields	freshfields	PROPN
issue-1691	122	48	bruckhaus	bruckhaus	PROPN
issue-1691	122	49	deringer	deringer	PROPN
issue-1691	122	50	llp	llp	PROPN
issue-1691	122	51	,	,	PUNCT
issue-1691	122	52	2021	2021	NUM
issue-1691	122	53	)	)	PUNCT
issue-1691	122	54	.	.	PUNCT
issue-1691	123	1	the	the	DET
issue-1691	123	2	number	number	NOUN
issue-1691	123	3	of	of	ADP
issue-1691	123	4	paytech	paytech	NOUN
issue-1691	123	5	companies	company	NOUN
issue-1691	123	6	,	,	PUNCT
issue-1691	123	7	payment	payment	NOUN
issue-1691	123	8	services	service	NOUN
issue-1691	123	9	and	and	CCONJ
issue-1691	123	10	their	their	PRON
issue-1691	123	11	users	user	NOUN
issue-1691	123	12	are	be	AUX
issue-1691	123	13	steadily	steadily	ADV
issue-1691	123	14	increasing	increase	VERB
issue-1691	123	15	.	.	PUNCT
issue-1691	124	1	over	over	ADP
issue-1691	124	2	80	80	NUM
issue-1691	124	3	%	%	NOUN
issue-1691	124	4	of	of	ADP
issue-1691	124	5	financial	financial	ADJ
issue-1691	124	6	institutions	institution	NOUN
issue-1691	124	7	,	,	PUNCT
issue-1691	124	8	dealing	deal	VERB
issue-1691	124	9	with	with	ADP
issue-1691	124	10	payment	payment	NOUN
issue-1691	124	11	transactions	transaction	NOUN
issue-1691	124	12	,	,	PUNCT
issue-1691	124	13	cooperate	cooperate	VERB
issue-1691	124	14	with	with	ADP
issue-1691	124	15	fintech	fintech	NOUN
issue-1691	124	16	companies	company	NOUN
issue-1691	124	17	.	.	PUNCT
issue-1691	125	1	in	in	ADP
issue-1691	125	2	particular	particular	ADJ
issue-1691	125	3	,	,	PUNCT
issue-1691	125	4	non	non	ADJ
issue-1691	125	5	-	-	ADJ
issue-1691	125	6	monetary	monetary	ADJ
issue-1691	125	7	financial	financial	ADJ
issue-1691	125	8	institutions	institution	NOUN
issue-1691	125	9	(	(	PUNCT
issue-1691	125	10	non	non	ADJ
issue-1691	125	11	-	-	ADJ
issue-1691	125	12	mfis	mfis	ADJ
issue-1691	125	13	)	)	PUNCT
issue-1691	125	14	expand	expand	VERB
issue-1691	125	15	their	their	PRON
issue-1691	125	16	activities	activity	NOUN
issue-1691	125	17	.	.	PUNCT
issue-1691	126	1	it	it	PRON
issue-1691	126	2	is	be	AUX
issue-1691	126	3	clearly	clearly	ADV
issue-1691	126	4	demonstrated	demonstrate	VERB
issue-1691	126	5	by	by	ADP
issue-1691	126	6	the	the	DET
issue-1691	126	7	example	example	NOUN
issue-1691	126	8	of	of	ADP
issue-1691	126	9	eu	eu	PROPN
issue-1691	126	10	(	(	PUNCT
issue-1691	126	11	table	table	NOUN
issue-1691	126	12	2	2	NUM
issue-1691	126	13	)	)	PUNCT
issue-1691	126	14	(	(	PUNCT
issue-1691	126	15	statistical	statistical	ADJ
issue-1691	126	16	data	data	NOUN
issue-1691	126	17	warehouse	warehouse	NOUN
issue-1691	126	18	,	,	PUNCT
issue-1691	126	19	2021	2021	NUM
issue-1691	126	20	)	)	PUNCT
issue-1691	126	21	.	.	PUNCT
issue-1691	127	1	the	the	DET
issue-1691	127	2	main	main	ADJ
issue-1691	127	3	thing	thing	NOUN
issue-1691	127	4	that	that	PRON
issue-1691	127	5	electronic	electronic	ADJ
issue-1691	127	6	payment	payment	NOUN
issue-1691	127	7	systems	system	NOUN
issue-1691	127	8	ensure	ensure	VERB
issue-1691	127	9	is	be	AUX
issue-1691	127	10	timely	timely	ADJ
issue-1691	127	11	,	,	PUNCT
issue-1691	127	12	rapid	rapid	ADJ
issue-1691	127	13	,	,	PUNCT
issue-1691	127	14	reliable	reliable	ADJ
issue-1691	127	15	,	,	PUNCT
issue-1691	127	16	secure	secure	ADJ
issue-1691	127	17	and	and	CCONJ
issue-1691	127	18	full	full	ADJ
issue-1691	127	19	transfer	transfer	NOUN
issue-1691	127	20	of	of	ADP
issue-1691	127	21	funds	fund	NOUN
issue-1691	127	22	(	(	PUNCT
issue-1691	127	23	value	value	NOUN
issue-1691	127	24	,	,	PUNCT
issue-1691	127	25	equivalent	equivalent	ADJ
issue-1691	127	26	)	)	PUNCT
issue-1691	127	27	from	from	ADP
issue-1691	127	28	one	one	NUM
issue-1691	127	29	subject	subject	NOUN
issue-1691	127	30	to	to	ADP
issue-1691	127	31	the	the	DET
issue-1691	127	32	other	other	ADJ
issue-1691	127	33	one	one	NUM
issue-1691	127	34	for	for	ADP
issue-1691	127	35	settlements	settlement	NOUN
issue-1691	127	36	on	on	ADP
issue-1691	127	37	liabilities	liability	NOUN
issue-1691	127	38	.	.	PUNCT
issue-1691	128	1	meeting	meet	VERB
issue-1691	128	2	the	the	DET
issue-1691	128	3	social	social	ADJ
issue-1691	128	4	needs	need	NOUN
issue-1691	128	5	,	,	PUNCT
issue-1691	128	6	electronic	electronic	ADJ
issue-1691	128	7	payment	payment	NOUN
issue-1691	128	8	systems	system	NOUN
issue-1691	128	9	ensure	ensure	VERB
issue-1691	128	10	the	the	DET
issue-1691	128	11	delivery	delivery	NOUN
issue-1691	128	12	of	of	ADP
issue-1691	128	13	eps	eps	PROPN
issue-1691	128	14	and	and	CCONJ
issue-1691	128	15	the	the	DET
issue-1691	128	16	related	related	ADJ
issue-1691	128	17	services	service	NOUN
issue-1691	128	18	,	,	PUNCT
issue-1691	128	19	including	include	VERB
issue-1691	128	20	non	non	ADJ
issue-1691	128	21	-	-	ADJ
issue-1691	128	22	financial	financial	ADJ
issue-1691	128	23	services	service	NOUN
issue-1691	128	24	,	,	PUNCT
issue-1691	128	25	and	and	CCONJ
issue-1691	128	26	they	they	PRON
issue-1691	128	27	also	also	ADV
issue-1691	128	28	organize	organize	VERB
issue-1691	128	29	payment	payment	NOUN
issue-1691	128	30	processes	process	NOUN
issue-1691	128	31	(	(	PUNCT
issue-1691	128	32	inter	inter	ADJ
issue-1691	128	33	-	-	ADJ
issue-1691	128	34	account	account	ADJ
issue-1691	128	35	transfers	transfer	NOUN
issue-1691	128	36	)	)	PUNCT
issue-1691	128	37	.	.	PUNCT
issue-1691	129	1	based	base	VERB
issue-1691	129	2	on	on	ADP
issue-1691	129	3	the	the	DET
issue-1691	129	4	table	table	NOUN
issue-1691	129	5	2	2	NUM
issue-1691	129	6	number	number	NOUN
issue-1691	129	7	of	of	ADP
issue-1691	129	8	payment	payment	NOUN
issue-1691	129	9	transactions	transaction	NOUN
issue-1691	129	10	involving	involve	VERB
issue-1691	129	11	non	non	ADJ
issue-1691	129	12	-	-	ADJ
issue-1691	129	13	mfis	mfis	ADJ
issue-1691	129	14	in	in	ADP
issue-1691	129	15	eu	eu	PROPN
issue-1691	129	16	2016	2016	NUM
issue-1691	129	17	2017	2017	NUM
issue-1691	129	18	2018	2018	NUM
issue-1691	129	19	2019	2019	NUM
issue-1691	129	20	2020	2020	NUM
issue-1691	129	21	total	total	ADJ
issue-1691	129	22	number	number	NOUN
issue-1691	129	23	of	of	ADP
issue-1691	129	24	payments	payment	NOUN
issue-1691	129	25	(	(	PUNCT
issue-1691	129	26	millions	million	NOUN
issue-1691	129	27	)	)	PUNCT
issue-1691	129	28	95,404.5	95,404.5	NOUN
issue-1691	129	29	103,080	103,080	NUM
issue-1691	129	30	112.311	112.311	NUM
issue-1691	129	31	122.089	122.089	NUM
issue-1691	129	32	127.093	127.093	NUM
issue-1691	129	33	increase	increase	NOUN
issue-1691	129	34	in	in	ADP
issue-1691	129	35	the	the	DET
issue-1691	129	36	number	number	NOUN
issue-1691	129	37	of	of	ADP
issue-1691	129	38	payments	payment	NOUN
issue-1691	129	39	(	(	PUNCT
issue-1691	129	40	annual	annual	ADJ
issue-1691	129	41	percentage	percentage	NOUN
issue-1691	129	42	changes	change	NOUN
issue-1691	129	43	)	)	PUNCT
issue-1691	129	44	8.1	8.1	NUM
issue-1691	129	45	9	9	NUM
issue-1691	129	46	8.7	8.7	NUM
issue-1691	129	47	4.1	4.1	NUM
issue-1691	129	48	number	number	NOUN
issue-1691	129	49	per	per	ADP
issue-1691	129	50	capita	capita	X
issue-1691	129	51	214.3	214.3	NUM
issue-1691	129	52	231.2	231.2	NUM
issue-1691	129	53	251.5	251.5	NUM
issue-1691	129	54	272.8	272.8	NUM
issue-1691	129	55	283.7	283.7	NUM
issue-1691	129	56	number	number	NOUN
issue-1691	129	57	per	per	ADP
issue-1691	129	58	overnight	overnight	ADJ
issue-1691	129	59	deposit	deposit	NOUN
issue-1691	129	60	held	hold	VERB
issue-1691	129	61	by	by	ADP
issue-1691	129	62	non	non	ADJ
issue-1691	129	63	-	-	ADJ
issue-1691	129	64	mfis	mfis	ADJ
issue-1691	129	65	137.2	137.2	NUM
issue-1691	129	66	147.3	147.3	NUM
issue-1691	129	67	160.6	160.6	NUM
issue-1691	129	68	171.3	171.3	NUM
issue-1691	129	69	174.2	174.2	NUM
issue-1691	129	70	source	source	NOUN
issue-1691	129	71	:	:	PUNCT
issue-1691	129	72	european	european	PROPN
issue-1691	129	73	central	central	PROPN
issue-1691	129	74	bank	bank	PROPN
issue-1691	129	75	baltic	baltic	PROPN
issue-1691	129	76	journal	journal	PROPN
issue-1691	129	77	of	of	ADP
issue-1691	129	78	economic	economic	ADJ
issue-1691	129	79	studies	study	NOUN
issue-1691	129	80	153	153	NUM
issue-1691	129	81	vol	vol	NOUN
issue-1691	129	82	.	.	PROPN
issue-1691	129	83	8	8	NUM
issue-1691	130	1	no	no	NOUN
issue-1691	130	2	.	.	NOUN
issue-1691	130	3	1	1	NUM
issue-1691	130	4	,	,	PUNCT
issue-1691	130	5	2022	2022	NUM
issue-1691	130	6	recreated	recreate	VERB
issue-1691	130	7	tools	tool	NOUN
issue-1691	130	8	and	and	CCONJ
issue-1691	130	9	mechanisms	mechanism	NOUN
issue-1691	130	10	,	,	PUNCT
issue-1691	130	11	they	they	PRON
issue-1691	130	12	implement	implement	VERB
issue-1691	130	13	the	the	DET
issue-1691	130	14	set	set	NOUN
issue-1691	130	15	-	-	PUNCT
issue-1691	130	16	out	out	ADP
issue-1691	130	17	procedure	procedure	NOUN
issue-1691	130	18	for	for	ADP
issue-1691	130	19	the	the	DET
issue-1691	130	20	transfer	transfer	NOUN
issue-1691	130	21	of	of	ADP
issue-1691	130	22	funds	fund	NOUN
issue-1691	130	23	.	.	PUNCT
issue-1691	131	1	technically	technically	ADV
issue-1691	131	2	speaking	speak	VERB
issue-1691	131	3	,	,	PUNCT
issue-1691	131	4	it	it	PRON
issue-1691	131	5	includes	include	VERB
issue-1691	131	6	a	a	DET
issue-1691	131	7	transfer	transfer	NOUN
issue-1691	131	8	of	of	ADP
issue-1691	131	9	payment	payment	NOUN
issue-1691	131	10	information	information	NOUN
issue-1691	131	11	,	,	PUNCT
issue-1691	131	12	processing	processing	NOUN
issue-1691	131	13	and	and	CCONJ
issue-1691	131	14	storage	storage	NOUN
issue-1691	131	15	of	of	ADP
issue-1691	131	16	the	the	DET
issue-1691	131	17	relevant	relevant	ADJ
issue-1691	131	18	data	datum	NOUN
issue-1691	131	19	based	base	VERB
issue-1691	131	20	on	on	ADP
issue-1691	131	21	the	the	DET
issue-1691	131	22	complex	complex	NOUN
issue-1691	131	23	of	of	ADP
issue-1691	131	24	special	special	ADJ
issue-1691	131	25	software	software	NOUN
issue-1691	131	26	solutions	solution	NOUN
issue-1691	131	27	and	and	CCONJ
issue-1691	131	28	digital	digital	ADJ
issue-1691	131	29	infrastructure	infrastructure	NOUN
issue-1691	131	30	,	,	PUNCT
issue-1691	131	31	which	which	PRON
issue-1691	131	32	ensures	ensure	VERB
issue-1691	131	33	the	the	DET
issue-1691	131	34	transfer	transfer	NOUN
issue-1691	131	35	of	of	ADP
issue-1691	131	36	funds	fund	NOUN
issue-1691	131	37	.	.	PUNCT
issue-1691	132	1	therefore	therefore	ADV
issue-1691	132	2	,	,	PUNCT
issue-1691	132	3	the	the	DET
issue-1691	132	4	market	market	NOUN
issue-1691	132	5	of	of	ADP
issue-1691	132	6	eps	eps	PROPN
issue-1691	132	7	is	be	AUX
issue-1691	132	8	closely	closely	ADV
issue-1691	132	9	linked	link	VERB
issue-1691	132	10	to	to	ADP
issue-1691	132	11	the	the	DET
issue-1691	132	12	markets	market	NOUN
issue-1691	132	13	of	of	ADP
issue-1691	132	14	technologies	technology	NOUN
issue-1691	132	15	,	,	PUNCT
issue-1691	132	16	digital	digital	ADJ
issue-1691	132	17	services	service	NOUN
issue-1691	132	18	,	,	PUNCT
issue-1691	132	19	data	datum	NOUN
issue-1691	132	20	,	,	PUNCT
issue-1691	132	21	etc	etc	X
issue-1691	132	22	.	.	X
issue-1691	132	23	,	,	PUNCT
issue-1691	132	24	and	and	CCONJ
issue-1691	132	25	it	it	PRON
issue-1691	132	26	also	also	ADV
issue-1691	132	27	creates	create	VERB
issue-1691	132	28	huge	huge	ADJ
issue-1691	132	29	opportunities	opportunity	NOUN
issue-1691	132	30	for	for	ADP
issue-1691	132	31	innovations	innovation	NOUN
issue-1691	132	32	.	.	PUNCT
issue-1691	133	1	electronic	electronic	ADJ
issue-1691	133	2	payment	payment	NOUN
issue-1691	133	3	systems	system	NOUN
issue-1691	133	4	can	can	AUX
issue-1691	133	5	be	be	AUX
issue-1691	133	6	of	of	ADP
issue-1691	133	7	different	different	ADJ
issue-1691	133	8	types	type	NOUN
issue-1691	133	9	(	(	PUNCT
issue-1691	133	10	by	by	ADP
issue-1691	133	11	purpose	purpose	NOUN
issue-1691	133	12	,	,	PUNCT
issue-1691	133	13	level	level	NOUN
issue-1691	133	14	,	,	PUNCT
issue-1691	133	15	entities	entity	NOUN
issue-1691	133	16	who	who	PRON
issue-1691	133	17	use	use	VERB
issue-1691	133	18	them	they	PRON
issue-1691	133	19	,	,	PUNCT
issue-1691	133	20	payment	payment	NOUN
issue-1691	133	21	tools	tool	NOUN
issue-1691	133	22	,	,	PUNCT
issue-1691	133	23	etc	etc	X
issue-1691	133	24	.	.	X
issue-1691	133	25	)	)	PUNCT
issue-1691	133	26	,	,	PUNCT
issue-1691	133	27	functionality	functionality	NOUN
issue-1691	133	28	and	and	CCONJ
issue-1691	133	29	industrial	industrial	ADJ
issue-1691	133	30	focus	focus	NOUN
issue-1691	133	31	,	,	PUNCT
issue-1691	133	32	which	which	PRON
issue-1691	133	33	determines	determine	VERB
issue-1691	133	34	the	the	DET
issue-1691	133	35	composition	composition	NOUN
issue-1691	133	36	of	of	ADP
issue-1691	133	37	their	their	PRON
issue-1691	133	38	elements	element	NOUN
issue-1691	133	39	and	and	CCONJ
issue-1691	133	40	infrastructure	infrastructure	NOUN
issue-1691	133	41	.	.	PUNCT
issue-1691	134	1	apart	apart	ADV
issue-1691	134	2	from	from	ADP
issue-1691	134	3	the	the	DET
issue-1691	134	4	traditional	traditional	ADJ
issue-1691	134	5	financial	financial	ADJ
issue-1691	134	6	institutions	institution	NOUN
issue-1691	134	7	,	,	PUNCT
issue-1691	134	8	there	there	PRON
issue-1691	134	9	emerged	emerge	VERB
issue-1691	134	10	new	new	ADJ
issue-1691	134	11	independent	independent	ADJ
issue-1691	134	12	eps	eps	PROPN
issue-1691	134	13	market	market	NOUN
issue-1691	134	14	participants	participant	NOUN
issue-1691	134	15	–	–	PUNCT
issue-1691	134	16	providers	provider	NOUN
issue-1691	134	17	of	of	ADP
issue-1691	134	18	payment	payment	NOUN
issue-1691	134	19	services	service	NOUN
issue-1691	134	20	,	,	PUNCT
issue-1691	134	21	being	be	AUX
issue-1691	134	22	non	non	ADJ
issue-1691	134	23	-	-	ADJ
issue-1691	134	24	financial	financial	ADJ
issue-1691	134	25	institutions	institution	NOUN
issue-1691	134	26	,	,	PUNCT
issue-1691	134	27	in	in	ADP
issue-1691	134	28	particular	particular	ADJ
issue-1691	134	29	payment	payment	NOUN
issue-1691	134	30	processors	processor	NOUN
issue-1691	134	31	and	and	CCONJ
issue-1691	134	32	gateways	gateway	NOUN
issue-1691	134	33	.	.	PUNCT
issue-1691	135	1	the	the	DET
issue-1691	135	2	electronic	electronic	ADJ
issue-1691	135	3	payment	payment	NOUN
issue-1691	135	4	involves	involve	VERB
issue-1691	135	5	a	a	DET
issue-1691	135	6	transfer	transfer	NOUN
issue-1691	135	7	of	of	ADP
issue-1691	135	8	funds	fund	NOUN
issue-1691	135	9	from	from	ADP
issue-1691	135	10	the	the	DET
issue-1691	135	11	payer	payer	NOUN
issue-1691	135	12	’s	’s	PART
issue-1691	135	13	bank	bank	PROPN
issue-1691	135	14	account	account	NOUN
issue-1691	135	15	to	to	ADP
issue-1691	135	16	the	the	DET
issue-1691	135	17	payee	payee	NOUN
issue-1691	135	18	’s	’s	PART
issue-1691	135	19	bank	bank	NOUN
issue-1691	135	20	account	account	NOUN
issue-1691	135	21	using	use	VERB
issue-1691	135	22	electronic	electronic	ADJ
issue-1691	135	23	payment	payment	NOUN
issue-1691	135	24	systems	system	NOUN
issue-1691	135	25	,	,	PUNCT
issue-1691	135	26	which	which	PRON
issue-1691	135	27	replace	replace	VERB
issue-1691	135	28	all	all	DET
issue-1691	135	29	other	other	ADJ
issue-1691	135	30	mediators	mediator	NOUN
issue-1691	135	31	.	.	PUNCT
issue-1691	136	1	the	the	DET
issue-1691	136	2	payment	payment	NOUN
issue-1691	136	3	transaction	transaction	NOUN
issue-1691	136	4	is	be	AUX
issue-1691	136	5	considered	consider	VERB
issue-1691	136	6	as	as	ADP
issue-1691	136	7	a	a	DET
issue-1691	136	8	stage	stage	NOUN
issue-1691	136	9	of	of	ADP
issue-1691	136	10	commodity	commodity	NOUN
issue-1691	136	11	-	-	PUNCT
issue-1691	136	12	money	money	NOUN
issue-1691	136	13	exchange	exchange	NOUN
issue-1691	136	14	,	,	PUNCT
issue-1691	136	15	which	which	PRON
issue-1691	136	16	consists	consist	VERB
issue-1691	136	17	in	in	ADP
issue-1691	136	18	the	the	DET
issue-1691	136	19	transfer	transfer	NOUN
issue-1691	136	20	of	of	ADP
issue-1691	136	21	monetary	monetary	ADJ
issue-1691	136	22	value	value	NOUN
issue-1691	136	23	using	use	VERB
issue-1691	136	24	certain	certain	ADJ
issue-1691	136	25	tools	tool	NOUN
issue-1691	136	26	in	in	ADP
issue-1691	136	27	return	return	NOUN
issue-1691	136	28	for	for	ADP
issue-1691	136	29	the	the	DET
issue-1691	136	30	liability	liability	NOUN
issue-1691	136	31	.	.	PUNCT
issue-1691	137	1	the	the	DET
issue-1691	137	2	tools	tool	NOUN
issue-1691	137	3	which	which	PRON
issue-1691	137	4	ensure	ensure	VERB
issue-1691	137	5	the	the	DET
issue-1691	137	6	electronic	electronic	ADJ
issue-1691	137	7	payments	payment	NOUN
issue-1691	137	8	–	–	PUNCT
issue-1691	137	9	the	the	DET
issue-1691	137	10	guidelines	guideline	NOUN
issue-1691	137	11	exchanged	exchange	VERB
issue-1691	137	12	between	between	ADP
issue-1691	137	13	the	the	DET
issue-1691	137	14	providers	provider	NOUN
issue-1691	137	15	of	of	ADP
issue-1691	137	16	payment	payment	NOUN
issue-1691	137	17	services	service	NOUN
issue-1691	137	18	and	and	CCONJ
issue-1691	137	19	bank	bank	NOUN
issue-1691	137	20	with	with	ADP
issue-1691	137	21	no	no	DET
issue-1691	137	22	need	need	NOUN
issue-1691	137	23	to	to	PART
issue-1691	137	24	process	process	VERB
issue-1691	137	25	paper	paper	NOUN
issue-1691	137	26	-	-	PUNCT
issue-1691	137	27	based	base	VERB
issue-1691	137	28	payments	payment	NOUN
issue-1691	137	29	.	.	PUNCT
issue-1691	138	1	eps	eps	PROPN
issue-1691	138	2	is	be	AUX
issue-1691	138	3	considered	consider	VERB
issue-1691	138	4	as	as	ADP
issue-1691	138	5	the	the	DET
issue-1691	138	6	performance	performance	NOUN
issue-1691	138	7	by	by	ADP
issue-1691	138	8	its	its	PRON
issue-1691	138	9	provider	provider	NOUN
issue-1691	138	10	of	of	ADP
issue-1691	138	11	the	the	DET
issue-1691	138	12	transaction	transaction	NOUN
issue-1691	138	13	with	with	ADP
issue-1691	138	14	the	the	DET
issue-1691	138	15	application	application	NOUN
issue-1691	138	16	of	of	ADP
issue-1691	138	17	payment	payment	NOUN
issue-1691	138	18	tools	tool	NOUN
issue-1691	138	19	,	,	PUNCT
issue-1691	138	20	which	which	PRON
issue-1691	138	21	is	be	AUX
issue-1691	138	22	carried	carry	VERB
issue-1691	138	23	out	out	ADP
issue-1691	138	24	using	use	VERB
issue-1691	138	25	electronic	electronic	ADJ
issue-1691	138	26	payment	payment	NOUN
issue-1691	138	27	systems	system	NOUN
issue-1691	138	28	and	and	CCONJ
issue-1691	138	29	results	result	NOUN
issue-1691	138	30	in	in	ADP
issue-1691	138	31	the	the	DET
issue-1691	138	32	transfer	transfer	NOUN
issue-1691	138	33	of	of	ADP
issue-1691	138	34	monetary	monetary	ADJ
issue-1691	138	35	funds	fund	NOUN
issue-1691	138	36	from	from	ADP
issue-1691	138	37	the	the	DET
issue-1691	138	38	payer	payer	NOUN
issue-1691	138	39	to	to	ADP
issue-1691	138	40	the	the	DET
issue-1691	138	41	payee	payee	NOUN
issue-1691	138	42	.	.	PUNCT
issue-1691	139	1	electronic	electronic	ADJ
issue-1691	139	2	payment	payment	NOUN
issue-1691	139	3	systems	system	NOUN
issue-1691	139	4	ensure	ensure	VERB
issue-1691	139	5	different	different	ADJ
issue-1691	139	6	types	type	NOUN
issue-1691	139	7	of	of	ADP
issue-1691	139	8	payment	payment	NOUN
issue-1691	139	9	services	service	NOUN
issue-1691	139	10	(	(	PUNCT
issue-1691	139	11	card	card	NOUN
issue-1691	139	12	payments	payment	NOUN
issue-1691	139	13	,	,	PUNCT
issue-1691	139	14	online	online	ADJ
issue-1691	139	15	and	and	CCONJ
issue-1691	139	16	mobile	mobile	ADJ
issue-1691	139	17	payments	payment	NOUN
issue-1691	139	18	,	,	PUNCT
issue-1691	139	19	direct	direct	ADJ
issue-1691	139	20	debiting	debiting	NOUN
issue-1691	139	21	,	,	PUNCT
issue-1691	139	22	standing	standing	ADJ
issue-1691	139	23	order	order	NOUN
issue-1691	139	24	,	,	PUNCT
issue-1691	139	25	etc	etc	X
issue-1691	139	26	.	.	X
issue-1691	139	27	)	)	PUNCT
issue-1691	139	28	.	.	PUNCT
issue-1691	140	1	the	the	DET
issue-1691	140	2	comparison	comparison	NOUN
issue-1691	140	3	between	between	ADP
issue-1691	140	4	the	the	DET
issue-1691	140	5	electronic	electronic	ADJ
issue-1691	140	6	payment	payment	NOUN
issue-1691	140	7	transactions	transaction	NOUN
issue-1691	140	8	and	and	CCONJ
issue-1691	140	9	the	the	DET
issue-1691	140	10	traditional	traditional	ADJ
issue-1691	140	11	ones	one	NOUN
issue-1691	140	12	makes	make	VERB
issue-1691	140	13	it	it	PRON
issue-1691	140	14	possible	possible	ADJ
issue-1691	140	15	to	to	PART
issue-1691	140	16	determine	determine	VERB
issue-1691	140	17	the	the	DET
issue-1691	140	18	specific	specific	ADJ
issue-1691	140	19	features	feature	NOUN
issue-1691	140	20	of	of	ADP
issue-1691	140	21	their	their	PRON
issue-1691	140	22	carrying	carry	VERB
issue-1691	140	23	out	out	ADP
issue-1691	140	24	and	and	CCONJ
issue-1691	140	25	significant	significant	ADJ
issue-1691	140	26	advantages	advantage	NOUN
issue-1691	140	27	(	(	PUNCT
issue-1691	140	28	high	high	ADJ
issue-1691	140	29	speed	speed	NOUN
issue-1691	140	30	,	,	PUNCT
issue-1691	140	31	remoteness	remoteness	NOUN
issue-1691	140	32	,	,	PUNCT
issue-1691	140	33	low	low	ADJ
issue-1691	140	34	cost	cost	NOUN
issue-1691	140	35	,	,	PUNCT
issue-1691	140	36	transparency	transparency	NOUN
issue-1691	140	37	,	,	PUNCT
issue-1691	140	38	convenience	convenience	NOUN
issue-1691	140	39	,	,	PUNCT
issue-1691	140	40	etc	etc	X
issue-1691	140	41	.	.	X
issue-1691	140	42	)	)	PUNCT
issue-1691	140	43	;	;	PUNCT
issue-1691	140	44	but	but	CCONJ
issue-1691	140	45	,	,	PUNCT
issue-1691	140	46	at	at	ADP
issue-1691	140	47	the	the	DET
issue-1691	140	48	same	same	ADJ
issue-1691	140	49	time	time	NOUN
issue-1691	140	50	,	,	PUNCT
issue-1691	140	51	there	there	PRON
issue-1691	140	52	are	be	VERB
issue-1691	140	53	certain	certain	ADJ
issue-1691	140	54	challenges	challenge	NOUN
issue-1691	140	55	,	,	PUNCT
issue-1691	140	56	particularly	particularly	ADV
issue-1691	140	57	related	relate	VERB
issue-1691	140	58	to	to	ADP
issue-1691	140	59	risks	risk	NOUN
issue-1691	140	60	.	.	PUNCT
issue-1691	141	1	however	however	ADV
issue-1691	141	2	,	,	PUNCT
issue-1691	141	3	the	the	DET
issue-1691	141	4	level	level	NOUN
issue-1691	141	5	of	of	ADP
issue-1691	141	6	reliability	reliability	NOUN
issue-1691	141	7	and	and	CCONJ
issue-1691	141	8	security	security	NOUN
issue-1691	141	9	of	of	ADP
issue-1691	141	10	electronic	electronic	ADJ
issue-1691	141	11	payments	payment	NOUN
issue-1691	141	12	is	be	AUX
issue-1691	141	13	rapidly	rapidly	ADV
issue-1691	141	14	increasing	increase	VERB
issue-1691	141	15	.	.	PUNCT
issue-1691	142	1	the	the	DET
issue-1691	142	2	issues	issue	NOUN
issue-1691	142	3	of	of	ADP
issue-1691	142	4	effectiveness	effectiveness	NOUN
issue-1691	142	5	is	be	AUX
issue-1691	142	6	mostly	mostly	ADV
issue-1691	142	7	considered	consider	VERB
issue-1691	142	8	in	in	ADP
issue-1691	142	9	terms	term	NOUN
issue-1691	142	10	of	of	ADP
issue-1691	142	11	the	the	DET
issue-1691	142	12	payment	payment	NOUN
issue-1691	142	13	processor	processor	NOUN
issue-1691	142	14	,	,	PUNCT
issue-1691	142	15	which	which	PRON
issue-1691	142	16	is	be	AUX
issue-1691	142	17	an	an	DET
issue-1691	142	18	independent	independent	ADJ
issue-1691	142	19	(	(	PUNCT
issue-1691	142	20	non	non	ADJ
issue-1691	142	21	-	-	ADJ
issue-1691	142	22	banking	banking	ADJ
issue-1691	142	23	)	)	PUNCT
issue-1691	142	24	licensed	license	VERB
issue-1691	142	25	institution	institution	NOUN
issue-1691	142	26	that	that	PRON
issue-1691	142	27	provides	provide	VERB
issue-1691	142	28	eps	eps	PROPN
issue-1691	142	29	.	.	PUNCT
issue-1691	143	1	the	the	DET
issue-1691	143	2	following	follow	VERB
issue-1691	143	3	entities	entity	NOUN
issue-1691	143	4	take	take	VERB
issue-1691	143	5	part	part	NOUN
issue-1691	143	6	in	in	ADP
issue-1691	143	7	the	the	DET
issue-1691	143	8	payment	payment	NOUN
issue-1691	143	9	transaction	transaction	NOUN
issue-1691	143	10	:	:	PUNCT
issue-1691	143	11	buyer	buyer	NOUN
issue-1691	143	12	of	of	ADP
issue-1691	143	13	the	the	DET
issue-1691	143	14	certain	certain	ADJ
issue-1691	143	15	goods	good	NOUN
issue-1691	143	16	(	(	PUNCT
issue-1691	143	17	payer	payer	NOUN
issue-1691	143	18	,	,	PUNCT
issue-1691	143	19	card	card	NOUN
issue-1691	143	20	owner	owner	NOUN
issue-1691	143	21	)	)	PUNCT
issue-1691	143	22	,	,	PUNCT
issue-1691	143	23	seller	seller	NOUN
issue-1691	143	24	(	(	PUNCT
issue-1691	143	25	merchant	merchant	NOUN
issue-1691	143	26	)	)	PUNCT
issue-1691	143	27	,	,	PUNCT
issue-1691	143	28	issuing	issue	VERB
issue-1691	143	29	bank	bank	PROPN
issue-1691	143	30	(	(	PUNCT
issue-1691	143	31	payer	payer	PROPN
issue-1691	143	32	’s	’s	PART
issue-1691	143	33	bank	bank	NOUN
issue-1691	143	34	,	,	PUNCT
issue-1691	143	35	which	which	PRON
issue-1691	143	36	issued	issue	VERB
issue-1691	143	37	the	the	DET
issue-1691	143	38	card	card	NOUN
issue-1691	143	39	)	)	PUNCT
issue-1691	143	40	,	,	PUNCT
issue-1691	143	41	acquiring	acquire	VERB
issue-1691	143	42	bank	bank	NOUN
issue-1691	143	43	(	(	PUNCT
issue-1691	143	44	seller	seller	NOUN
issue-1691	143	45	’s	’s	PART
issue-1691	143	46	bank	bank	NOUN
issue-1691	143	47	)	)	PUNCT
issue-1691	143	48	,	,	PUNCT
issue-1691	143	49	payment	payment	NOUN
issue-1691	143	50	gateway	gateway	NOUN
issue-1691	143	51	,	,	PUNCT
issue-1691	143	52	which	which	PRON
issue-1691	143	53	ensures	ensure	VERB
issue-1691	143	54	payments	payment	NOUN
issue-1691	143	55	under	under	ADP
issue-1691	143	56	online	online	ADJ
issue-1691	143	57	card	card	NOUN
issue-1691	143	58	-	-	PUNCT
issue-1691	143	59	not	not	PART
issue-1691	143	60	-	-	PUNCT
issue-1691	143	61	present	present	ADJ
issue-1691	143	62	transactions	transaction	NOUN
issue-1691	143	63	(	(	PUNCT
issue-1691	143	64	the	the	DET
issue-1691	143	65	gateway	gateway	NOUN
issue-1691	143	66	encrypts	encrypt	NOUN
issue-1691	143	67	and	and	CCONJ
issue-1691	143	68	transmits	transmit	VERB
issue-1691	143	69	online	online	ADJ
issue-1691	143	70	payment	payment	NOUN
issue-1691	143	71	data	datum	NOUN
issue-1691	143	72	to	to	ADP
issue-1691	143	73	the	the	DET
issue-1691	143	74	processor	processor	NOUN
issue-1691	143	75	)	)	PUNCT
issue-1691	143	76	and	and	CCONJ
issue-1691	143	77	payment	payment	NOUN
issue-1691	143	78	processor	processor	NOUN
issue-1691	143	79	,	,	PUNCT
issue-1691	143	80	which	which	PRON
issue-1691	143	81	ensures	ensure	VERB
issue-1691	143	82	the	the	DET
issue-1691	143	83	transaction	transaction	NOUN
issue-1691	143	84	by	by	ADP
issue-1691	143	85	routing	route	VERB
issue-1691	143	86	and	and	CCONJ
issue-1691	143	87	transmitting	transmit	VERB
issue-1691	143	88	the	the	DET
issue-1691	143	89	infor	infor	PROPN
issue-1691	143	90	mation	mation	NOUN
issue-1691	143	91	on	on	ADP
issue-1691	143	92	the	the	DET
issue-1691	143	93	transaction	transaction	NOUN
issue-1691	143	94	(	(	PUNCT
issue-1691	143	95	payment	payment	NOUN
issue-1691	143	96	data	datum	NOUN
issue-1691	143	97	)	)	PUNCT
issue-1691	143	98	.	.	PUNCT
issue-1691	144	1	the	the	DET
issue-1691	144	2	electronic	electronic	ADJ
issue-1691	144	3	payment	payment	NOUN
issue-1691	144	4	transaction	transaction	NOUN
issue-1691	144	5	is	be	AUX
issue-1691	144	6	described	describe	VERB
issue-1691	144	7	by	by	ADP
issue-1691	144	8	different	different	ADJ
issue-1691	144	9	models	model	NOUN
issue-1691	144	10	,	,	PUNCT
issue-1691	144	11	in	in	ADP
issue-1691	144	12	particular	particular	ADJ
issue-1691	144	13	:	:	PUNCT
issue-1691	144	14	legal	legal	ADJ
issue-1691	144	15	model	model	NOUN
issue-1691	144	16	,	,	PUNCT
issue-1691	144	17	which	which	PRON
issue-1691	144	18	takes	take	VERB
issue-1691	144	19	into	into	ADP
issue-1691	144	20	account	account	NOUN
issue-1691	144	21	the	the	DET
issue-1691	144	22	specifics	specific	NOUN
issue-1691	144	23	of	of	ADP
issue-1691	144	24	a	a	DET
issue-1691	144	25	certain	certain	ADJ
issue-1691	144	26	jurisdiction	jurisdiction	NOUN
issue-1691	144	27	or	or	CCONJ
issue-1691	144	28	international	international	ADJ
issue-1691	144	29	regulatory	regulatory	ADJ
issue-1691	144	30	system	system	NOUN
issue-1691	144	31	;	;	PUNCT
issue-1691	144	32	functionally	functionally	ADV
issue-1691	144	33	-	-	PUNCT
issue-1691	144	34	transactional	transactional	ADJ
issue-1691	144	35	model	model	NOUN
issue-1691	144	36	,	,	PUNCT
issue-1691	144	37	which	which	PRON
issue-1691	144	38	describes	describe	VERB
issue-1691	144	39	the	the	DET
issue-1691	144	40	functions	function	NOUN
issue-1691	144	41	and	and	CCONJ
issue-1691	144	42	interaction	interaction	NOUN
issue-1691	144	43	between	between	ADP
issue-1691	144	44	the	the	DET
issue-1691	144	45	participants	participant	NOUN
issue-1691	144	46	;	;	PUNCT
issue-1691	144	47	economic	economic	ADJ
issue-1691	144	48	model	model	NOUN
issue-1691	144	49	,	,	PUNCT
issue-1691	144	50	which	which	PRON
issue-1691	144	51	clarifies	clarify	VERB
issue-1691	144	52	the	the	DET
issue-1691	144	53	participants	participant	NOUN
issue-1691	144	54	’	'	PUNCT
issue-1691	144	55	interests	interest	NOUN
issue-1691	144	56	;	;	PUNCT
issue-1691	144	57	technological	technological	ADJ
issue-1691	144	58	model	model	NOUN
issue-1691	144	59	,	,	PUNCT
issue-1691	144	60	which	which	PRON
issue-1691	144	61	clarifies	clarify	VERB
issue-1691	144	62	the	the	DET
issue-1691	144	63	peculiarities	peculiarity	NOUN
issue-1691	144	64	of	of	ADP
issue-1691	144	65	the	the	DET
issue-1691	144	66	use	use	NOUN
issue-1691	144	67	of	of	ADP
issue-1691	144	68	digital	digital	ADJ
issue-1691	144	69	technologies	technology	NOUN
issue-1691	144	70	.	.	PUNCT
issue-1691	145	1	the	the	DET
issue-1691	145	2	application	application	NOUN
issue-1691	145	3	of	of	ADP
issue-1691	145	4	these	these	DET
issue-1691	145	5	models	model	NOUN
issue-1691	145	6	enables	enable	VERB
issue-1691	145	7	to	to	PART
issue-1691	145	8	give	give	VERB
issue-1691	145	9	full	full	ADJ
issue-1691	145	10	consideration	consideration	NOUN
issue-1691	145	11	to	to	ADP
issue-1691	145	12	the	the	DET
issue-1691	145	13	problems	problem	NOUN
issue-1691	145	14	of	of	ADP
issue-1691	145	15	ensuring	ensure	VERB
issue-1691	145	16	the	the	DET
issue-1691	145	17	economic	economic	ADJ
issue-1691	145	18	effectiveness	effectiveness	NOUN
issue-1691	145	19	of	of	ADP
issue-1691	145	20	eps	eps	PROPN
issue-1691	145	21	.	.	PROPN
issue-1691	146	1	in	in	ADP
issue-1691	146	2	order	order	NOUN
issue-1691	146	3	to	to	PART
issue-1691	146	4	carry	carry	VERB
issue-1691	146	5	out	out	ADP
issue-1691	146	6	the	the	DET
issue-1691	146	7	transactions	transaction	NOUN
issue-1691	146	8	,	,	PUNCT
issue-1691	146	9	electronic	electronic	ADJ
issue-1691	146	10	payment	payment	NOUN
issue-1691	146	11	system	system	NOUN
issue-1691	146	12	interacts	interact	VERB
issue-1691	146	13	with	with	ADP
issue-1691	146	14	the	the	DET
issue-1691	146	15	external	external	ADJ
issue-1691	146	16	systems	system	NOUN
issue-1691	146	17	of	of	ADP
issue-1691	146	18	different	different	ADJ
issue-1691	146	19	level	level	NOUN
issue-1691	146	20	(	(	PUNCT
issue-1691	146	21	national	national	ADJ
issue-1691	146	22	or	or	CCONJ
issue-1691	146	23	international	international	ADJ
issue-1691	146	24	)	)	PUNCT
issue-1691	146	25	,	,	PUNCT
issue-1691	146	26	including	include	VERB
issue-1691	146	27	:	:	PUNCT
issue-1691	146	28	card	card	NOUN
issue-1691	146	29	,	,	PUNCT
issue-1691	146	30	clearing	clearing	NOUN
issue-1691	146	31	,	,	PUNCT
issue-1691	146	32	credit	credit	NOUN
issue-1691	146	33	,	,	PUNCT
issue-1691	146	34	and	and	CCONJ
issue-1691	146	35	settlement	settlement	NOUN
issue-1691	146	36	systems	system	NOUN
issue-1691	146	37	which	which	PRON
issue-1691	146	38	create	create	VERB
issue-1691	146	39	common	common	ADJ
issue-1691	146	40	payment	payment	NOUN
issue-1691	146	41	infrastructure	infrastructure	NOUN
issue-1691	146	42	.	.	PUNCT
issue-1691	147	1	their	their	PRON
issue-1691	147	2	parameters	parameter	NOUN
issue-1691	147	3	and	and	CCONJ
issue-1691	147	4	parameters	parameter	NOUN
issue-1691	147	5	of	of	ADP
issue-1691	147	6	interaction	interaction	NOUN
issue-1691	147	7	have	have	VERB
issue-1691	147	8	a	a	DET
issue-1691	147	9	significant	significant	ADJ
issue-1691	147	10	impact	impact	NOUN
issue-1691	147	11	on	on	ADP
issue-1691	147	12	the	the	DET
issue-1691	147	13	effectiveness	effectiveness	NOUN
issue-1691	147	14	of	of	ADP
issue-1691	147	15	eps	eps	PROPN
issue-1691	147	16	delivery	delivery	NOUN
issue-1691	147	17	,	,	PUNCT
issue-1691	147	18	taking	take	VERB
issue-1691	147	19	into	into	ADP
issue-1691	147	20	account	account	NOUN
issue-1691	147	21	regulatory	regulatory	ADJ
issue-1691	147	22	factors	factor	NOUN
issue-1691	147	23	.	.	PUNCT
issue-1691	148	1	various	various	ADJ
issue-1691	148	2	technologies	technology	NOUN
issue-1691	148	3	(	(	PUNCT
issue-1691	148	4	data	datum	NOUN
issue-1691	148	5	repositories	repository	NOUN
issue-1691	148	6	;	;	PUNCT
issue-1691	148	7	distributed	distribute	VERB
issue-1691	148	8	data	datum	NOUN
issue-1691	148	9	processing	processing	NOUN
issue-1691	148	10	;	;	PUNCT
issue-1691	148	11	transaction	transaction	NOUN
issue-1691	148	12	managers	manager	NOUN
issue-1691	148	13	;	;	PUNCT
issue-1691	148	14	technologies	technology	NOUN
issue-1691	148	15	in	in	ADP
issue-1691	148	16	the	the	DET
issue-1691	148	17	field	field	NOUN
issue-1691	148	18	of	of	ADP
issue-1691	148	19	cybersecurity	cybersecurity	NOUN
issue-1691	148	20	,	,	PUNCT
issue-1691	148	21	identification	identification	NOUN
issue-1691	148	22	,	,	PUNCT
issue-1691	148	23	analysis	analysis	NOUN
issue-1691	148	24	and	and	CCONJ
issue-1691	148	25	verification	verification	NOUN
issue-1691	148	26	of	of	ADP
issue-1691	148	27	data	datum	NOUN
issue-1691	148	28	;	;	PUNCT
issue-1691	148	29	artificial	artificial	ADJ
issue-1691	148	30	intelligence	intelligence	NOUN
issue-1691	148	31	,	,	PUNCT
issue-1691	148	32	etc	etc	X
issue-1691	148	33	.	.	X
issue-1691	148	34	)	)	PUNCT
issue-1691	148	35	,	,	PUNCT
issue-1691	148	36	electronic	electronic	ADJ
issue-1691	148	37	forms	form	NOUN
issue-1691	148	38	of	of	ADP
issue-1691	148	39	payment	payment	NOUN
issue-1691	148	40	tools	tool	NOUN
issue-1691	148	41	,	,	PUNCT
issue-1691	148	42	application	application	NOUN
issue-1691	148	43	software	software	NOUN
issue-1691	148	44	(	(	PUNCT
issue-1691	148	45	data	data	NOUN
issue-1691	148	46	storage	storage	NOUN
issue-1691	148	47	systems	system	NOUN
issue-1691	148	48	,	,	PUNCT
issue-1691	148	49	document	document	NOUN
issue-1691	148	50	management	management	NOUN
issue-1691	148	51	systems	system	NOUN
issue-1691	148	52	,	,	PUNCT
issue-1691	148	53	bank	bank	NOUN
issue-1691	148	54	applications	application	NOUN
issue-1691	148	55	,	,	PUNCT
issue-1691	148	56	data	datum	NOUN
issue-1691	148	57	analysis	analysis	NOUN
issue-1691	148	58	software	software	NOUN
issue-1691	148	59	packages	package	NOUN
issue-1691	148	60	,	,	PUNCT
issue-1691	148	61	etc	etc	X
issue-1691	148	62	.	.	X
issue-1691	148	63	)	)	PUNCT
issue-1691	148	64	are	be	AUX
issue-1691	148	65	used	use	VERB
issue-1691	148	66	within	within	ADP
issue-1691	148	67	the	the	DET
issue-1691	148	68	framework	framework	NOUN
issue-1691	148	69	of	of	ADP
issue-1691	148	70	electronic	electronic	ADJ
issue-1691	148	71	payment	payment	NOUN
issue-1691	148	72	system	system	NOUN
issue-1691	148	73	that	that	PRON
issue-1691	148	74	ensures	ensure	VERB
issue-1691	148	75	their	their	PRON
issue-1691	148	76	functionality	functionality	NOUN
issue-1691	148	77	(	(	PUNCT
issue-1691	148	78	procedures	procedure	NOUN
issue-1691	148	79	to	to	PART
issue-1691	148	80	identify	identify	VERB
issue-1691	148	81	persons	person	NOUN
issue-1691	148	82	,	,	PUNCT
issue-1691	148	83	establish	establish	VERB
issue-1691	148	84	communication	communication	NOUN
issue-1691	148	85	with	with	ADP
issue-1691	148	86	banks	bank	NOUN
issue-1691	148	87	,	,	PUNCT
issue-1691	148	88	verify	verify	VERB
issue-1691	148	89	accounts	account	NOUN
issue-1691	148	90	,	,	PUNCT
issue-1691	148	91	transmit	transmit	VERB
issue-1691	148	92	transaction	transaction	NOUN
issue-1691	148	93	data	datum	NOUN
issue-1691	148	94	,	,	PUNCT
issue-1691	148	95	comply	comply	VERB
issue-1691	148	96	with	with	ADP
issue-1691	148	97	security	security	NOUN
issue-1691	148	98	requirements	requirement	NOUN
issue-1691	148	99	,	,	PUNCT
issue-1691	148	100	generate	generate	VERB
issue-1691	148	101	reports	report	NOUN
issue-1691	148	102	,	,	PUNCT
issue-1691	148	103	etc	etc	X
issue-1691	148	104	.	.	X
issue-1691	148	105	)	)	PUNCT
issue-1691	148	106	.	.	PUNCT
issue-1691	149	1	therefore	therefore	ADV
issue-1691	149	2	,	,	PUNCT
issue-1691	149	3	technological	technological	ADJ
issue-1691	149	4	model	model	NOUN
issue-1691	149	5	of	of	ADP
issue-1691	149	6	electronic	electronic	ADJ
issue-1691	149	7	payment	payment	NOUN
issue-1691	149	8	systems	system	NOUN
issue-1691	149	9	enables	enable	VERB
issue-1691	149	10	to	to	PART
issue-1691	149	11	identify	identify	VERB
issue-1691	149	12	the	the	DET
issue-1691	149	13	areas	area	NOUN
issue-1691	149	14	of	of	ADP
issue-1691	149	15	improving	improve	VERB
issue-1691	149	16	the	the	DET
issue-1691	149	17	effectiveness	effectiveness	NOUN
issue-1691	149	18	of	of	ADP
issue-1691	149	19	eps	ep	NOUN
issue-1691	149	20	,	,	PUNCT
issue-1691	149	21	including	include	VERB
issue-1691	149	22	on	on	ADP
issue-1691	149	23	the	the	DET
issue-1691	149	24	basis	basis	NOUN
issue-1691	149	25	of	of	ADP
issue-1691	149	26	innovations	innovation	NOUN
issue-1691	149	27	,	,	PUNCT
issue-1691	149	28	encompassing	encompass	VERB
issue-1691	149	29	various	various	ADJ
issue-1691	149	30	technological	technological	ADJ
issue-1691	149	31	components	component	NOUN
issue-1691	149	32	:	:	PUNCT
issue-1691	149	33	special	special	ADJ
issue-1691	149	34	software	software	NOUN
issue-1691	149	35	(	(	PUNCT
issue-1691	149	36	to	to	PART
issue-1691	149	37	issue	issue	VERB
issue-1691	149	38	invoices	invoice	NOUN
issue-1691	149	39	,	,	PUNCT
issue-1691	149	40	process	process	NOUN
issue-1691	149	41	payments	payment	NOUN
issue-1691	149	42	,	,	PUNCT
issue-1691	149	43	carry	carry	VERB
issue-1691	149	44	out	out	ADP
issue-1691	149	45	analytics	analytic	NOUN
issue-1691	149	46	,	,	PUNCT
issue-1691	149	47	verification	verification	NOUN
issue-1691	149	48	,	,	PUNCT
issue-1691	149	49	consulting	consulting	NOUN
issue-1691	149	50	,	,	PUNCT
issue-1691	149	51	etc	etc	X
issue-1691	149	52	.	.	X
issue-1691	149	53	)	)	PUNCT
issue-1691	149	54	;	;	PUNCT
issue-1691	149	55	web	web	NOUN
issue-1691	149	56	application	application	NOUN
issue-1691	149	57	and	and	CCONJ
issue-1691	149	58	mobile	mobile	ADJ
issue-1691	149	59	applications	application	NOUN
issue-1691	149	60	as	as	ADV
issue-1691	149	61	well	well	ADV
issue-1691	149	62	as	as	ADP
issue-1691	149	63	mobile	mobile	ADJ
issue-1691	149	64	services	service	NOUN
issue-1691	149	65	;	;	PUNCT
issue-1691	149	66	digital	digital	ADJ
issue-1691	149	67	models	model	NOUN
issue-1691	149	68	of	of	ADP
issue-1691	149	69	certain	certain	ADJ
issue-1691	149	70	payment	payment	NOUN
issue-1691	149	71	tools	tool	NOUN
issue-1691	149	72	;	;	PUNCT
issue-1691	149	73	various	various	ADJ
issue-1691	149	74	information	information	NOUN
issue-1691	149	75	products	product	NOUN
issue-1691	149	76	;	;	PUNCT
issue-1691	149	77	data	datum	NOUN
issue-1691	149	78	management	management	NOUN
issue-1691	149	79	infra	infra	NOUN
issue-1691	149	80	structure	structure	NOUN
issue-1691	149	81	.	.	PUNCT
issue-1691	150	1	within	within	ADP
issue-1691	150	2	the	the	DET
issue-1691	150	3	range	range	NOUN
issue-1691	150	4	of	of	ADP
issue-1691	150	5	electronic	electronic	ADJ
issue-1691	150	6	payment	payment	NOUN
issue-1691	150	7	system	system	NOUN
issue-1691	150	8	functionality	functionality	NOUN
issue-1691	150	9	to	to	PART
issue-1691	150	10	ensure	ensure	VERB
issue-1691	150	11	different	different	ADJ
issue-1691	150	12	ways	way	NOUN
issue-1691	150	13	of	of	ADP
issue-1691	150	14	payment	payment	NOUN
issue-1691	150	15	,	,	PUNCT
issue-1691	150	16	technical	technical	ADJ
issue-1691	150	17	(	(	PUNCT
issue-1691	150	18	speed	speed	NOUN
issue-1691	150	19	,	,	PUNCT
issue-1691	150	20	reliability	reliability	NOUN
issue-1691	150	21	,	,	PUNCT
issue-1691	150	22	etc	etc	X
issue-1691	150	23	.	.	X
issue-1691	150	24	)	)	PUNCT
issue-1691	150	25	,	,	PUNCT
issue-1691	150	26	institutional	institutional	NOUN
issue-1691	150	27	(	(	PUNCT
issue-1691	150	28	quality	quality	NOUN
issue-1691	150	29	of	of	ADP
issue-1691	150	30	procedures	procedure	NOUN
issue-1691	150	31	)	)	PUNCT
issue-1691	150	32	and	and	CCONJ
issue-1691	150	33	economic	economic	ADJ
issue-1691	150	34	(	(	PUNCT
issue-1691	150	35	yield	yield	NOUN
issue-1691	150	36	income	income	NOUN
issue-1691	150	37	,	,	PUNCT
issue-1691	150	38	losses	loss	NOUN
issue-1691	150	39	from	from	ADP
issue-1691	150	40	risks	risk	NOUN
issue-1691	150	41	,	,	PUNCT
issue-1691	150	42	costs	cost	NOUN
issue-1691	150	43	on	on	ADP
issue-1691	150	44	the	the	DET
issue-1691	150	45	implementation	implementation	NOUN
issue-1691	150	46	of	of	ADP
issue-1691	150	47	procedures	procedure	NOUN
issue-1691	150	48	and	and	CCONJ
issue-1691	150	49	compliance	compliance	NOUN
issue-1691	150	50	with	with	ADP
issue-1691	150	51	requirements	requirement	NOUN
issue-1691	150	52	,	,	PUNCT
issue-1691	150	53	etc	etc	X
issue-1691	150	54	.	.	X
issue-1691	150	55	)	)	PUNCT
issue-1691	150	56	parameters	parameter	NOUN
issue-1691	150	57	are	be	AUX
issue-1691	150	58	taken	take	VERB
issue-1691	150	59	into	into	ADP
issue-1691	150	60	consideration	consideration	NOUN
issue-1691	150	61	,	,	PUNCT
issue-1691	150	62	as	as	ADV
issue-1691	150	63	well	well	ADV
issue-1691	150	64	as	as	ADP
issue-1691	150	65	various	various	ADJ
issue-1691	150	66	factors	factor	NOUN
issue-1691	150	67	of	of	ADP
issue-1691	150	68	effectiveness	effectiveness	NOUN
issue-1691	150	69	(	(	PUNCT
issue-1691	150	70	impact	impact	NOUN
issue-1691	150	71	of	of	ADP
issue-1691	150	72	regulatory	regulatory	ADJ
issue-1691	150	73	standards	standard	NOUN
issue-1691	150	74	,	,	PUNCT
issue-1691	150	75	level	level	NOUN
issue-1691	150	76	of	of	ADP
issue-1691	150	77	requirements	requirement	NOUN
issue-1691	150	78	,	,	PUNCT
issue-1691	150	79	standards	standard	NOUN
issue-1691	150	80	in	in	ADP
issue-1691	150	81	the	the	DET
issue-1691	150	82	sphere	sphere	NOUN
issue-1691	150	83	of	of	ADP
issue-1691	150	84	security	security	NOUN
issue-1691	150	85	,	,	PUNCT
issue-1691	150	86	fraud	fraud	NOUN
issue-1691	150	87	level	level	NOUN
issue-1691	150	88	,	,	PUNCT
issue-1691	150	89	etc	etc	X
issue-1691	150	90	.	.	X
issue-1691	150	91	)	)	PUNCT
issue-1691	150	92	.	.	PUNCT
issue-1691	151	1	the	the	DET
issue-1691	151	2	economic	economic	ADJ
issue-1691	151	3	effectiveness	effectiveness	NOUN
issue-1691	151	4	of	of	ADP
issue-1691	151	5	eps	eps	PROPN
issue-1691	151	6	is	be	AUX
issue-1691	151	7	an	an	DET
issue-1691	151	8	integrated	integrate	VERB
issue-1691	151	9	entity	entity	NOUN
issue-1691	151	10	and	and	CCONJ
issue-1691	151	11	it	it	PRON
issue-1691	151	12	encompasses	encompass	VERB
issue-1691	151	13	the	the	DET
issue-1691	151	14	procedures	procedure	NOUN
issue-1691	151	15	to	to	PART
issue-1691	151	16	carry	carry	VERB
issue-1691	151	17	out	out	ADP
issue-1691	151	18	the	the	DET
issue-1691	151	19	transaction	transaction	NOUN
issue-1691	151	20	itself	itself	PRON
issue-1691	151	21	as	as	ADV
issue-1691	151	22	well	well	ADV
issue-1691	151	23	as	as	ADP
issue-1691	151	24	to	to	PART
issue-1691	151	25	comply	comply	VERB
issue-1691	151	26	with	with	ADP
issue-1691	151	27	various	various	ADJ
issue-1691	151	28	baltic	baltic	ADJ
issue-1691	151	29	journal	journal	NOUN
issue-1691	151	30	of	of	ADP
issue-1691	151	31	economic	economic	ADJ
issue-1691	151	32	studies	study	NOUN
issue-1691	151	33	154	154	NUM
issue-1691	151	34	vol	vol	NOUN
issue-1691	151	35	.	.	PROPN
issue-1691	152	1	8	8	NUM
issue-1691	153	1	no	no	NOUN
issue-1691	153	2	.	.	NOUN
issue-1691	153	3	1	1	NUM
issue-1691	153	4	,	,	PUNCT
issue-1691	153	5	2022	2022	NUM
issue-1691	153	6	requirements	requirement	NOUN
issue-1691	153	7	,	,	PUNCT
issue-1691	153	8	rules	rule	NOUN
issue-1691	153	9	,	,	PUNCT
issue-1691	153	10	and	and	CCONJ
issue-1691	153	11	provision	provision	NOUN
issue-1691	153	12	of	of	ADP
issue-1691	153	13	security	security	NOUN
issue-1691	153	14	in	in	ADP
issue-1691	153	15	all	all	DET
issue-1691	153	16	its	its	PRON
issue-1691	153	17	aspects	aspect	NOUN
issue-1691	153	18	.	.	PUNCT
issue-1691	154	1	the	the	DET
issue-1691	154	2	primary	primary	ADJ
issue-1691	154	3	goal	goal	NOUN
issue-1691	154	4	of	of	ADP
issue-1691	154	5	electronic	electronic	ADJ
issue-1691	154	6	payment	payment	NOUN
issue-1691	154	7	system	system	NOUN
issue-1691	154	8	defines	define	VERB
issue-1691	154	9	the	the	DET
issue-1691	154	10	basic	basic	ADJ
issue-1691	154	11	criteria	criterion	NOUN
issue-1691	154	12	for	for	ADP
issue-1691	154	13	achieving	achieve	VERB
issue-1691	154	14	and	and	CCONJ
issue-1691	154	15	assessing	assess	VERB
issue-1691	154	16	the	the	DET
issue-1691	154	17	effectiveness	effectiveness	NOUN
issue-1691	154	18	of	of	ADP
issue-1691	154	19	eps	eps	PROPN
issue-1691	154	20	delivery	delivery	NOUN
issue-1691	154	21	,	,	PUNCT
issue-1691	154	22	and	and	CCONJ
issue-1691	154	23	the	the	DET
issue-1691	154	24	integrity	integrity	NOUN
issue-1691	154	25	of	of	ADP
issue-1691	154	26	its	its	PRON
issue-1691	154	27	understanding	understanding	NOUN
issue-1691	154	28	gives	give	VERB
issue-1691	154	29	rise	rise	NOUN
issue-1691	154	30	to	to	ADP
issue-1691	154	31	a	a	DET
issue-1691	154	32	myriad	myriad	NOUN
issue-1691	154	33	of	of	ADP
issue-1691	154	34	criteria	criterion	NOUN
issue-1691	154	35	,	,	PUNCT
issue-1691	154	36	the	the	DET
issue-1691	154	37	assessment	assessment	NOUN
issue-1691	154	38	of	of	ADP
issue-1691	154	39	which	which	PRON
issue-1691	154	40	can	can	AUX
issue-1691	154	41	be	be	AUX
issue-1691	154	42	used	use	VERB
issue-1691	154	43	to	to	PART
issue-1691	154	44	speak	speak	VERB
issue-1691	154	45	about	about	ADP
issue-1691	154	46	the	the	DET
issue-1691	154	47	quality	quality	NOUN
issue-1691	154	48	of	of	ADP
issue-1691	154	49	such	such	ADJ
issue-1691	154	50	services	service	NOUN
issue-1691	154	51	.	.	PUNCT
issue-1691	155	1	the	the	DET
issue-1691	155	2	effectiveness	effectiveness	NOUN
issue-1691	155	3	of	of	ADP
issue-1691	155	4	eps	eps	PROPN
issue-1691	155	5	delivery	delivery	NOUN
issue-1691	155	6	can	can	AUX
issue-1691	155	7	be	be	AUX
issue-1691	155	8	assessed	assess	VERB
issue-1691	155	9	absolutely	absolutely	ADV
issue-1691	155	10	as	as	ADP
issue-1691	155	11	total	total	ADJ
issue-1691	155	12	results	result	NOUN
issue-1691	155	13	and	and	CCONJ
issue-1691	155	14	relatively	relatively	ADV
issue-1691	155	15	(	(	PUNCT
issue-1691	155	16	income	income	NOUN
issue-1691	155	17	to	to	ADP
issue-1691	155	18	expenses	expense	NOUN
issue-1691	155	19	)	)	PUNCT
issue-1691	155	20	,	,	PUNCT
issue-1691	155	21	and	and	CCONJ
issue-1691	155	22	also	also	ADV
issue-1691	155	23	taking	take	VERB
issue-1691	155	24	into	into	ADP
issue-1691	155	25	consideration	consideration	NOUN
issue-1691	155	26	an	an	DET
issue-1691	155	27	impact	impact	NOUN
issue-1691	155	28	of	of	ADP
issue-1691	155	29	various	various	ADJ
issue-1691	155	30	profitability	profitability	NOUN
issue-1691	155	31	and	and	CCONJ
issue-1691	155	32	costs	cost	NOUN
issue-1691	155	33	(	(	PUNCT
issue-1691	155	34	losses	loss	NOUN
issue-1691	155	35	)	)	PUNCT
issue-1691	155	36	factors	factor	NOUN
issue-1691	155	37	.	.	PUNCT
issue-1691	156	1	the	the	DET
issue-1691	156	2	issues	issue	NOUN
issue-1691	156	3	of	of	ADP
issue-1691	156	4	improving	improve	VERB
issue-1691	156	5	the	the	DET
issue-1691	156	6	economic	economic	ADJ
issue-1691	156	7	effectiveness	effectiveness	NOUN
issue-1691	156	8	of	of	ADP
issue-1691	156	9	eps	eps	PROPN
issue-1691	156	10	delivery	delivery	NOUN
issue-1691	156	11	are	be	AUX
issue-1691	156	12	of	of	ADP
issue-1691	156	13	strategic	strategic	ADJ
issue-1691	156	14	importance	importance	NOUN
issue-1691	156	15	for	for	ADP
issue-1691	156	16	their	their	PRON
issue-1691	156	17	providers	provider	NOUN
issue-1691	156	18	.	.	PUNCT
issue-1691	157	1	the	the	DET
issue-1691	157	2	increased	increase	VERB
issue-1691	157	3	competition	competition	NOUN
issue-1691	157	4	,	,	PUNCT
issue-1691	157	5	higher	high	ADJ
issue-1691	157	6	quality	quality	NOUN
issue-1691	157	7	demands	demand	NOUN
issue-1691	157	8	of	of	ADP
issue-1691	157	9	consumers	consumer	NOUN
issue-1691	157	10	and	and	CCONJ
issue-1691	157	11	business	business	NOUN
issue-1691	157	12	entities	entity	NOUN
issue-1691	157	13	,	,	PUNCT
issue-1691	157	14	growing	grow	VERB
issue-1691	157	15	level	level	NOUN
issue-1691	157	16	of	of	ADP
issue-1691	157	17	regulatory	regulatory	ADJ
issue-1691	157	18	requirements	requirement	NOUN
issue-1691	157	19	,	,	PUNCT
issue-1691	157	20	the	the	DET
issue-1691	157	21	rise	rise	NOUN
issue-1691	157	22	in	in	ADP
issue-1691	157	23	fraud	fraud	NOUN
issue-1691	157	24	,	,	PUNCT
issue-1691	157	25	etc	etc	X
issue-1691	157	26	.	.	X
issue-1691	157	27	–	–	PUNCT
issue-1691	157	28	all	all	DET
issue-1691	157	29	this	this	PRON
issue-1691	157	30	puts	put	VERB
issue-1691	157	31	"	"	PUNCT
issue-1691	157	32	pressure	pressure	NOUN
issue-1691	157	33	"	"	PUNCT
issue-1691	157	34	on	on	ADP
issue-1691	157	35	the	the	DET
issue-1691	157	36	profitability	profitability	NOUN
issue-1691	157	37	,	,	PUNCT
issue-1691	157	38	especially	especially	ADV
issue-1691	157	39	when	when	SCONJ
issue-1691	157	40	electronic	electronic	ADJ
issue-1691	157	41	payment	payment	NOUN
issue-1691	157	42	systems	system	NOUN
issue-1691	157	43	become	become	VERB
issue-1691	157	44	an	an	DET
issue-1691	157	45	element	element	NOUN
issue-1691	157	46	of	of	ADP
issue-1691	157	47	the	the	DET
issue-1691	157	48	global	global	ADJ
issue-1691	157	49	digital	digital	ADJ
issue-1691	157	50	economy	economy	NOUN
issue-1691	157	51	.	.	PUNCT
issue-1691	158	1	in	in	ADP
issue-1691	158	2	terms	term	NOUN
issue-1691	158	3	of	of	ADP
issue-1691	158	4	the	the	DET
issue-1691	158	5	provider	provider	NOUN
issue-1691	158	6	,	,	PUNCT
issue-1691	158	7	we	we	PRON
issue-1691	158	8	should	should	AUX
issue-1691	158	9	highlight	highlight	VERB
issue-1691	158	10	the	the	DET
issue-1691	158	11	aforementioned	aforementioned	ADJ
issue-1691	158	12	external	external	ADJ
issue-1691	158	13	prerequisites	prerequisite	NOUN
issue-1691	158	14	for	for	ADP
issue-1691	158	15	ensuring	ensure	VERB
issue-1691	158	16	the	the	DET
issue-1691	158	17	economic	economic	ADJ
issue-1691	158	18	effectiveness	effectiveness	NOUN
issue-1691	158	19	of	of	ADP
issue-1691	158	20	eps	eps	PROPN
issue-1691	158	21	delivery	delivery	NOUN
issue-1691	158	22	(	(	PUNCT
issue-1691	158	23	overall	overall	ADJ
issue-1691	158	24	payment	payment	NOUN
issue-1691	158	25	infrastructure	infrastructure	NOUN
issue-1691	158	26	)	)	PUNCT
issue-1691	158	27	as	as	ADV
issue-1691	158	28	well	well	ADV
issue-1691	158	29	as	as	ADP
issue-1691	158	30	the	the	DET
issue-1691	158	31	internal	internal	ADJ
issue-1691	158	32	ones	one	NOUN
issue-1691	158	33	(	(	PUNCT
issue-1691	158	34	management	management	NOUN
issue-1691	158	35	,	,	PUNCT
issue-1691	158	36	technological	technological	ADJ
issue-1691	158	37	,	,	PUNCT
issue-1691	158	38	organizational	organizational	ADJ
issue-1691	158	39	,	,	PUNCT
issue-1691	158	40	social	social	ADJ
issue-1691	158	41	,	,	PUNCT
issue-1691	158	42	intellectual	intellectual	ADJ
issue-1691	158	43	,	,	PUNCT
issue-1691	158	44	and	and	CCONJ
issue-1691	158	45	innovative	innovative	ADJ
issue-1691	158	46	factors	factor	NOUN
issue-1691	158	47	of	of	ADP
issue-1691	158	48	paytech	paytech	NOUN
issue-1691	158	49	companies	company	NOUN
issue-1691	158	50	)	)	PUNCT
issue-1691	158	51	.	.	PUNCT
issue-1691	159	1	the	the	DET
issue-1691	159	2	basic	basic	ADJ
issue-1691	159	3	principles	principle	NOUN
issue-1691	159	4	of	of	ADP
issue-1691	159	5	achieving	achieve	VERB
issue-1691	159	6	the	the	DET
issue-1691	159	7	effectiveness	effectiveness	NOUN
issue-1691	159	8	are	be	AUX
issue-1691	159	9	:	:	PUNCT
issue-1691	159	10	complete	complete	ADJ
issue-1691	159	11	fulfillment	fulfillment	NOUN
issue-1691	159	12	of	of	ADP
issue-1691	159	13	regulatory	regulatory	ADJ
issue-1691	159	14	requirements	requirement	NOUN
issue-1691	159	15	,	,	PUNCT
issue-1691	159	16	rules	rule	NOUN
issue-1691	159	17	and	and	CCONJ
issue-1691	159	18	standards	standard	NOUN
issue-1691	159	19	,	,	PUNCT
issue-1691	159	20	taking	take	VERB
issue-1691	159	21	into	into	ADP
issue-1691	159	22	consideration	consideration	NOUN
issue-1691	159	23	the	the	DET
issue-1691	159	24	specific	specific	ADJ
issue-1691	159	25	features	feature	NOUN
issue-1691	159	26	of	of	ADP
issue-1691	159	27	different	different	ADJ
issue-1691	159	28	jurisdictions	jurisdiction	NOUN
issue-1691	159	29	and	and	CCONJ
issue-1691	159	30	international	international	ADJ
issue-1691	159	31	regulatory	regulatory	ADJ
issue-1691	159	32	environment	environment	NOUN
issue-1691	159	33	;	;	PUNCT
issue-1691	159	34	the	the	DET
issue-1691	159	35	focus	focus	NOUN
issue-1691	159	36	on	on	ADP
issue-1691	159	37	the	the	DET
issue-1691	159	38	increasing	increase	VERB
issue-1691	159	39	demand	demand	NOUN
issue-1691	159	40	requirements	requirement	NOUN
issue-1691	159	41	and	and	CCONJ
issue-1691	159	42	better	well	ADJ
issue-1691	159	43	technological	technological	ADJ
issue-1691	159	44	,	,	PUNCT
issue-1691	159	45	service	service	NOUN
issue-1691	159	46	and	and	CCONJ
issue-1691	159	47	product	product	NOUN
issue-1691	159	48	achievements	achievement	NOUN
issue-1691	159	49	;	;	PUNCT
issue-1691	159	50	taking	take	VERB
issue-1691	159	51	into	into	ADP
issue-1691	159	52	consideration	consideration	NOUN
issue-1691	159	53	the	the	DET
issue-1691	159	54	global	global	ADJ
issue-1691	159	55	trends	trend	NOUN
issue-1691	159	56	in	in	ADP
issue-1691	159	57	the	the	DET
issue-1691	159	58	development	development	NOUN
issue-1691	159	59	of	of	ADP
issue-1691	159	60	digital	digital	ADJ
issue-1691	159	61	economy	economy	NOUN
issue-1691	159	62	and	and	CCONJ
issue-1691	159	63	fintech	fintech	NOUN
issue-1691	159	64	;	;	PUNCT
issue-1691	159	65	an	an	DET
issue-1691	159	66	increase	increase	NOUN
issue-1691	159	67	in	in	ADP
issue-1691	159	68	the	the	DET
issue-1691	159	69	level	level	NOUN
issue-1691	159	70	of	of	ADP
issue-1691	159	71	technolo	technolo	ADJ
issue-1691	159	72	gization	gization	NOUN
issue-1691	159	73	and	and	CCONJ
issue-1691	159	74	intellectualization	intellectualization	NOUN
issue-1691	159	75	of	of	ADP
issue-1691	159	76	eps	eps	PROPN
issue-1691	159	77	delivery	delivery	NOUN
issue-1691	159	78	.	.	PUNCT
issue-1691	160	1	the	the	DET
issue-1691	160	2	strategic	strategic	ADJ
issue-1691	160	3	areas	area	NOUN
issue-1691	160	4	of	of	ADP
issue-1691	160	5	improving	improve	VERB
issue-1691	160	6	the	the	DET
issue-1691	160	7	effectiveness	effectiveness	NOUN
issue-1691	160	8	of	of	ADP
issue-1691	160	9	eps	eps	PROPN
issue-1691	160	10	delivery	delivery	NOUN
issue-1691	160	11	take	take	VERB
issue-1691	160	12	into	into	ADP
issue-1691	160	13	account	account	NOUN
issue-1691	160	14	an	an	DET
issue-1691	160	15	impact	impact	NOUN
issue-1691	160	16	of	of	ADP
issue-1691	160	17	the	the	DET
issue-1691	160	18	external	external	ADJ
issue-1691	160	19	prerequisites	prerequisite	NOUN
issue-1691	160	20	and	and	CCONJ
issue-1691	160	21	the	the	DET
issue-1691	160	22	need	need	NOUN
issue-1691	160	23	to	to	PART
issue-1691	160	24	adapt	adapt	VERB
issue-1691	160	25	the	the	DET
issue-1691	160	26	companies	company	NOUN
issue-1691	160	27	to	to	ADP
issue-1691	160	28	them	they	PRON
issue-1691	160	29	on	on	ADP
issue-1691	160	30	account	account	NOUN
issue-1691	160	31	of	of	ADP
issue-1691	160	32	internal	internal	ADJ
issue-1691	160	33	changes	change	NOUN
issue-1691	160	34	.	.	PUNCT
issue-1691	161	1	these	these	DET
issue-1691	161	2	areas	area	NOUN
issue-1691	161	3	are	be	AUX
issue-1691	161	4	the	the	DET
issue-1691	161	5	subject	subject	NOUN
issue-1691	161	6	to	to	ADP
issue-1691	161	7	the	the	DET
issue-1691	161	8	overall	overall	ADJ
issue-1691	161	9	strategy	strategy	NOUN
issue-1691	161	10	of	of	ADP
issue-1691	161	11	the	the	DET
issue-1691	161	12	company	company	NOUN
issue-1691	161	13	’s	’s	PART
issue-1691	161	14	development	development	NOUN
issue-1691	161	15	and	and	CCONJ
issue-1691	161	16	are	be	AUX
issue-1691	161	17	being	be	AUX
issue-1691	161	18	developed	develop	VERB
issue-1691	161	19	within	within	ADP
issue-1691	161	20	the	the	DET
issue-1691	161	21	framework	framework	NOUN
issue-1691	161	22	of	of	ADP
issue-1691	161	23	the	the	DET
issue-1691	161	24	selected	select	VERB
issue-1691	161	25	business	business	NOUN
issue-1691	161	26	model	model	NOUN
issue-1691	161	27	.	.	PUNCT
issue-1691	162	1	in	in	ADP
issue-1691	162	2	terms	term	NOUN
issue-1691	162	3	of	of	ADP
issue-1691	162	4	the	the	DET
issue-1691	162	5	strategy	strategy	NOUN
issue-1691	162	6	,	,	PUNCT
issue-1691	162	7	it	it	PRON
issue-1691	162	8	is	be	AUX
issue-1691	162	9	necessary	necessary	ADJ
issue-1691	162	10	to	to	PART
issue-1691	162	11	envisage	envisage	VERB
issue-1691	162	12	different	different	ADJ
issue-1691	162	13	scenarios	scenario	NOUN
issue-1691	162	14	of	of	ADP
issue-1691	162	15	the	the	DET
issue-1691	162	16	change	change	NOUN
issue-1691	162	17	in	in	ADP
issue-1691	162	18	market	market	NOUN
issue-1691	162	19	conditions	condition	NOUN
issue-1691	162	20	,	,	PUNCT
issue-1691	162	21	regulatory	regulatory	ADJ
issue-1691	162	22	environment	environment	NOUN
issue-1691	162	23	,	,	PUNCT
issue-1691	162	24	technological	technological	ADJ
issue-1691	162	25	advances	advance	NOUN
issue-1691	162	26	,	,	PUNCT
issue-1691	162	27	trends	trend	NOUN
issue-1691	162	28	in	in	ADP
issue-1691	162	29	digitalization	digitalization	NOUN
issue-1691	162	30	and	and	CCONJ
issue-1691	162	31	transformations	transformation	NOUN
issue-1691	162	32	within	within	ADP
issue-1691	162	33	the	the	DET
issue-1691	162	34	framework	framework	NOUN
issue-1691	162	35	of	of	ADP
issue-1691	162	36	the	the	DET
issue-1691	162	37	global	global	ADJ
issue-1691	162	38	digital	digital	ADJ
issue-1691	162	39	economy	economy	NOUN
issue-1691	162	40	.	.	PUNCT
issue-1691	163	1	marketing	marketing	NOUN
issue-1691	163	2	is	be	AUX
issue-1691	163	3	of	of	ADP
issue-1691	163	4	particular	particular	ADJ
issue-1691	163	5	relevance	relevance	NOUN
issue-1691	163	6	in	in	ADP
issue-1691	163	7	the	the	DET
issue-1691	163	8	context	context	NOUN
issue-1691	163	9	of	of	ADP
issue-1691	163	10	improving	improve	VERB
issue-1691	163	11	the	the	DET
issue-1691	163	12	effectiveness	effectiveness	NOUN
issue-1691	163	13	of	of	ADP
issue-1691	163	14	eps	eps	PROPN
issue-1691	163	15	delivery	delivery	NOUN
issue-1691	163	16	,	,	PUNCT
issue-1691	163	17	encompassing	encompass	VERB
issue-1691	163	18	analytical	analytical	ADJ
issue-1691	163	19	activities	activity	NOUN
issue-1691	163	20	and	and	CCONJ
issue-1691	163	21	leadership	leadership	NOUN
issue-1691	163	22	in	in	ADP
issue-1691	163	23	the	the	DET
issue-1691	163	24	development	development	NOUN
issue-1691	163	25	of	of	ADP
issue-1691	163	26	innovations	innovation	NOUN
issue-1691	163	27	.	.	PUNCT
issue-1691	164	1	ensuring	ensure	VERB
issue-1691	164	2	the	the	DET
issue-1691	164	3	high	high	ADJ
issue-1691	164	4	level	level	NOUN
issue-1691	164	5	of	of	ADP
issue-1691	164	6	cybersecurity	cybersecurity	NOUN
issue-1691	164	7	and	and	CCONJ
issue-1691	164	8	data	datum	NOUN
issue-1691	164	9	protection	protection	NOUN
issue-1691	164	10	as	as	ADV
issue-1691	164	11	well	well	ADV
issue-1691	164	12	as	as	ADP
issue-1691	164	13	adapting	adapt	VERB
issue-1691	164	14	to	to	ADP
issue-1691	164	15	the	the	DET
issue-1691	164	16	updated	update	VERB
issue-1691	164	17	regulatory	regulatory	ADJ
issue-1691	164	18	requirements	requirement	NOUN
issue-1691	164	19	became	become	VERB
issue-1691	164	20	imperative	imperative	ADJ
issue-1691	164	21	and	and	CCONJ
issue-1691	164	22	permanent	permanent	ADJ
issue-1691	164	23	for	for	ADP
issue-1691	164	24	electronic	electronic	ADJ
issue-1691	164	25	payment	payment	NOUN
issue-1691	164	26	systems	system	NOUN
issue-1691	164	27	,	,	PUNCT
issue-1691	164	28	which	which	PRON
issue-1691	164	29	is	be	AUX
issue-1691	164	30	enhanced	enhance	VERB
issue-1691	164	31	by	by	ADP
issue-1691	164	32	the	the	DET
issue-1691	164	33	internalization	internalization	NOUN
issue-1691	164	34	of	of	ADP
issue-1691	164	35	the	the	DET
issue-1691	164	36	providers	provider	NOUN
issue-1691	164	37	’	'	PUNCT
issue-1691	164	38	activities	activity	NOUN
issue-1691	164	39	.	.	PUNCT
issue-1691	165	1	taking	take	VERB
issue-1691	165	2	into	into	ADP
issue-1691	165	3	consideration	consideration	NOUN
issue-1691	165	4	the	the	DET
issue-1691	165	5	need	need	NOUN
issue-1691	165	6	to	to	PART
issue-1691	165	7	properly	properly	ADV
issue-1691	165	8	meet	meet	VERB
issue-1691	165	9	the	the	DET
issue-1691	165	10	requirements	requirement	NOUN
issue-1691	165	11	which	which	PRON
issue-1691	165	12	are	be	AUX
issue-1691	165	13	altered	alter	VERB
issue-1691	165	14	,	,	PUNCT
issue-1691	165	15	the	the	DET
issue-1691	165	16	measures	measure	NOUN
issue-1691	165	17	taken	take	VERB
issue-1691	165	18	to	to	PART
issue-1691	165	19	minimize	minimize	VERB
issue-1691	165	20	the	the	DET
issue-1691	165	21	costs	cost	NOUN
issue-1691	165	22	on	on	ADP
issue-1691	165	23	satisfying	satisfy	VERB
issue-1691	165	24	this	this	DET
issue-1691	165	25	need	need	NOUN
issue-1691	165	26	are	be	AUX
issue-1691	165	27	critical	critical	ADJ
issue-1691	165	28	,	,	PUNCT
issue-1691	165	29	as	as	SCONJ
issue-1691	165	30	follows	follow	VERB
issue-1691	165	31	:	:	PUNCT
issue-1691	165	32	implementation	implementation	NOUN
issue-1691	165	33	of	of	ADP
issue-1691	165	34	special	special	ADJ
issue-1691	165	35	technological	technological	ADJ
issue-1691	165	36	solutions	solution	NOUN
issue-1691	165	37	;	;	PUNCT
issue-1691	165	38	targeted	target	VERB
issue-1691	165	39	training	training	NOUN
issue-1691	165	40	of	of	ADP
issue-1691	165	41	specialists	specialist	NOUN
issue-1691	165	42	;	;	PUNCT
issue-1691	165	43	development	development	NOUN
issue-1691	165	44	of	of	ADP
issue-1691	165	45	external	external	ADJ
issue-1691	165	46	partnership	partnership	NOUN
issue-1691	165	47	,	,	PUNCT
issue-1691	165	48	in	in	ADP
issue-1691	165	49	particular	particular	ADJ
issue-1691	165	50	with	with	ADP
issue-1691	165	51	other	other	ADJ
issue-1691	165	52	providers	provider	NOUN
issue-1691	165	53	of	of	ADP
issue-1691	165	54	eps	eps	PROPN
issue-1691	165	55	;	;	PUNCT
issue-1691	165	56	proactive	proactive	ADJ
issue-1691	165	57	introduction	introduction	NOUN
issue-1691	165	58	of	of	ADP
issue-1691	165	59	higher	high	ADJ
issue-1691	165	60	cybersecurity	cybersecurity	NOUN
issue-1691	165	61	standards	standard	NOUN
issue-1691	165	62	,	,	PUNCT
issue-1691	165	63	etc	etc	X
issue-1691	165	64	.	.	X
issue-1691	166	1	the	the	DET
issue-1691	166	2	key	key	ADJ
issue-1691	166	3	areas	area	NOUN
issue-1691	166	4	of	of	ADP
issue-1691	166	5	improving	improve	VERB
issue-1691	166	6	the	the	DET
issue-1691	166	7	effectiveness	effectiveness	NOUN
issue-1691	166	8	of	of	ADP
issue-1691	166	9	eps	eps	PROPN
issue-1691	166	10	delivery	delivery	NOUN
issue-1691	166	11	are	be	AUX
issue-1691	166	12	focused	focus	VERB
issue-1691	166	13	on	on	ADP
issue-1691	166	14	the	the	DET
issue-1691	166	15	intensification	intensification	NOUN
issue-1691	166	16	of	of	ADP
issue-1691	166	17	the	the	DET
issue-1691	166	18	payment	payment	NOUN
issue-1691	166	19	transaction	transaction	NOUN
issue-1691	166	20	itself	itself	PRON
issue-1691	166	21	as	as	ADV
issue-1691	166	22	well	well	ADV
issue-1691	166	23	as	as	ADP
issue-1691	166	24	an	an	DET
issue-1691	166	25	increase	increase	NOUN
issue-1691	166	26	in	in	ADP
issue-1691	166	27	the	the	DET
issue-1691	166	28	value	value	NOUN
issue-1691	166	29	for	for	ADP
issue-1691	166	30	the	the	DET
issue-1691	166	31	consumer	consumer	NOUN
issue-1691	166	32	,	,	PUNCT
issue-1691	166	33	which	which	PRON
issue-1691	166	34	is	be	AUX
issue-1691	166	35	also	also	ADV
issue-1691	166	36	related	relate	VERB
issue-1691	166	37	to	to	ADP
issue-1691	166	38	the	the	DET
issue-1691	166	39	diversification	diversification	NOUN
issue-1691	166	40	of	of	ADP
issue-1691	166	41	services	service	NOUN
issue-1691	166	42	and	and	CCONJ
issue-1691	166	43	products	product	NOUN
issue-1691	166	44	(	(	PUNCT
issue-1691	166	45	figure	figure	NOUN
issue-1691	166	46	1	1	NUM
issue-1691	166	47	)	)	PUNCT
issue-1691	166	48	.	.	PUNCT
issue-1691	167	1	apart	apart	ADV
issue-1691	167	2	from	from	ADP
issue-1691	167	3	the	the	DET
issue-1691	167	4	payment	payment	NOUN
issue-1691	167	5	processors	processor	NOUN
issue-1691	167	6	,	,	PUNCT
issue-1691	167	7	the	the	DET
issue-1691	167	8	trends	trend	NOUN
issue-1691	167	9	in	in	ADP
issue-1691	167	10	the	the	DET
issue-1691	167	11	development	development	NOUN
issue-1691	167	12	of	of	ADP
issue-1691	167	13	other	other	ADJ
issue-1691	167	14	spheres	sphere	NOUN
issue-1691	167	15	of	of	ADP
issue-1691	167	16	digital	digital	ADJ
issue-1691	167	17	economy	economy	NOUN
issue-1691	167	18	and	and	CCONJ
issue-1691	167	19	fintech	fintech	NOUN
issue-1691	167	20	improving	improve	VERB
issue-1691	167	21	the	the	DET
issue-1691	167	22	quality	quality	NOUN
issue-1691	167	23	of	of	ADP
issue-1691	167	24	risk	risk	NOUN
issue-1691	167	25	management	management	NOUN
issue-1691	167	26	:	:	PUNCT
issue-1691	167	27	mitigation	mitigation	NOUN
issue-1691	167	28	of	of	ADP
issue-1691	167	29	risks	risk	NOUN
issue-1691	167	30	in	in	ADP
issue-1691	167	31	all	all	DET
issue-1691	167	32	components	component	NOUN
issue-1691	167	33	of	of	ADP
issue-1691	167	34	the	the	DET
issue-1691	167	35	activities	activity	NOUN
issue-1691	167	36	carried	carry	VERB
issue-1691	167	37	out	out	ADP
issue-1691	167	38	by	by	ADP
issue-1691	167	39	eps	eps	PROPN
issue-1691	167	40	provider	provider	NOUN
issue-1691	167	41	.	.	PUNCT
issue-1691	168	1	development	development	NOUN
issue-1691	168	2	of	of	ADP
issue-1691	168	3	innovations	innovation	NOUN
issue-1691	168	4	:	:	PUNCT
issue-1691	168	5	improved	improved	ADJ
issue-1691	168	6	range	range	NOUN
issue-1691	168	7	of	of	ADP
issue-1691	168	8	services	service	NOUN
issue-1691	168	9	and	and	CCONJ
issue-1691	168	10	electronic	electronic	ADJ
issue-1691	168	11	payment	payment	NOUN
issue-1691	168	12	system	system	NOUN
issue-1691	168	13	infrastructure	infrastructure	NOUN
issue-1691	168	14	,	,	PUNCT
issue-1691	168	15	expansion	expansion	NOUN
issue-1691	168	16	of	of	ADP
issue-1691	168	17	its	its	PRON
issue-1691	168	18	functions	function	NOUN
issue-1691	168	19	.	.	PUNCT
issue-1691	169	1	development	development	NOUN
issue-1691	169	2	of	of	ADP
issue-1691	169	3	eps	eps	PROPN
issue-1691	169	4	delivery	delivery	PROPN
issue-1691	169	5	ecosystem	ecosystem	NOUN
issue-1691	169	6	:	:	PUNCT
issue-1691	169	7	expanded	expand	VERB
issue-1691	169	8	range	range	NOUN
issue-1691	169	9	of	of	ADP
issue-1691	169	10	services	service	NOUN
issue-1691	169	11	and	and	CCONJ
issue-1691	169	12	opportunities	opportunity	NOUN
issue-1691	169	13	for	for	ADP
issue-1691	169	14	the	the	DET
issue-1691	169	15	consumers	consumer	NOUN
issue-1691	169	16	.	.	PUNCT
issue-1691	170	1	role	role	NOUN
issue-1691	170	2	of	of	ADP
issue-1691	170	3	government	government	NOUN
issue-1691	170	4	,	,	PUNCT
issue-1691	170	5	regulatory	regulatory	ADJ
issue-1691	170	6	impact	impact	NOUN
issue-1691	170	7	areas	area	NOUN
issue-1691	170	8	to	to	PART
issue-1691	170	9	improve	improve	VERB
issue-1691	170	10	the	the	DET
issue-1691	170	11	economic	economic	ADJ
issue-1691	170	12	effectiveness	effectiveness	NOUN
issue-1691	170	13	of	of	ADP
issue-1691	170	14	eps	eps	PROPN
issue-1691	170	15	delivery	delivery	NOUN
issue-1691	170	16	figure	figure	NOUN
issue-1691	170	17	1	1	NUM
issue-1691	170	18	.	.	PUNCT
issue-1691	170	19	strategic	strategic	ADJ
issue-1691	170	20	areas	area	NOUN
issue-1691	170	21	to	to	PART
issue-1691	170	22	improve	improve	VERB
issue-1691	170	23	the	the	DET
issue-1691	170	24	economic	economic	ADJ
issue-1691	170	25	effectiveness	effectiveness	NOUN
issue-1691	170	26	of	of	ADP
issue-1691	170	27	eps	eps	PROPN
issue-1691	170	28	delivery	delivery	PROPN
issue-1691	170	29	source	source	NOUN
issue-1691	170	30	:	:	PUNCT
issue-1691	170	31	developed	develop	VERB
issue-1691	170	32	by	by	ADP
issue-1691	170	33	the	the	DET
issue-1691	170	34	authors	author	NOUN
issue-1691	170	35	baltic	baltic	PROPN
issue-1691	170	36	journal	journal	PROPN
issue-1691	170	37	of	of	ADP
issue-1691	170	38	economic	economic	ADJ
issue-1691	170	39	studies	study	NOUN
issue-1691	170	40	155	155	NUM
issue-1691	170	41	vol	vol	NOUN
issue-1691	170	42	.	.	PROPN
issue-1691	170	43	8	8	NUM
issue-1691	171	1	no	no	NOUN
issue-1691	171	2	.	.	NOUN
issue-1691	171	3	1	1	NUM
issue-1691	171	4	,	,	PUNCT
issue-1691	171	5	2022	2022	NUM
issue-1691	171	6	recommendations	recommendation	NOUN
issue-1691	171	7	proposed	propose	VERB
issue-1691	171	8	will	will	AUX
issue-1691	171	9	be	be	AUX
issue-1691	171	10	also	also	ADV
issue-1691	171	11	useful	useful	ADJ
issue-1691	171	12	for	for	ADP
issue-1691	171	13	others	other	NOUN
issue-1691	171	14	,	,	PUNCT
issue-1691	171	15	in	in	ADP
issue-1691	171	16	particular	particular	ADJ
issue-1691	171	17	payment	payment	NOUN
issue-1691	171	18	gateways	gateway	NOUN
issue-1691	171	19	.	.	PUNCT
issue-1691	172	1	due	due	ADP
issue-1691	172	2	to	to	ADP
issue-1691	172	3	objective	objective	ADJ
issue-1691	172	4	reasons	reason	NOUN
issue-1691	172	5	,	,	PUNCT
issue-1691	172	6	electronic	electronic	ADJ
issue-1691	172	7	payment	payment	NOUN
issue-1691	172	8	systems	system	NOUN
issue-1691	172	9	constantly	constantly	ADV
issue-1691	172	10	face	face	VERB
issue-1691	172	11	a	a	DET
issue-1691	172	12	wide	wide	ADJ
issue-1691	172	13	range	range	NOUN
issue-1691	172	14	of	of	ADP
issue-1691	172	15	various	various	ADJ
issue-1691	172	16	risks	risk	NOUN
issue-1691	172	17	,	,	PUNCT
issue-1691	172	18	and	and	CCONJ
issue-1691	172	19	their	their	PRON
issue-1691	172	20	minimization	minimization	NOUN
issue-1691	172	21	is	be	AUX
issue-1691	172	22	a	a	DET
issue-1691	172	23	part	part	NOUN
issue-1691	172	24	of	of	ADP
issue-1691	172	25	the	the	DET
issue-1691	172	26	value	value	NOUN
issue-1691	172	27	for	for	ADP
issue-1691	172	28	the	the	DET
issue-1691	172	29	consumer	consumer	NOUN
issue-1691	172	30	and	and	CCONJ
issue-1691	172	31	factor	factor	NOUN
issue-1691	172	32	in	in	ADP
issue-1691	172	33	the	the	DET
issue-1691	172	34	maximization	maximization	NOUN
issue-1691	172	35	of	of	ADP
issue-1691	172	36	profit	profit	NOUN
issue-1691	172	37	for	for	ADP
issue-1691	172	38	the	the	DET
issue-1691	172	39	provider	provider	NOUN
issue-1691	172	40	.	.	PUNCT
issue-1691	173	1	therefore	therefore	ADV
issue-1691	173	2	,	,	PUNCT
issue-1691	173	3	risk	risk	NOUN
issue-1691	173	4	management	management	NOUN
issue-1691	173	5	is	be	AUX
issue-1691	173	6	of	of	ADP
issue-1691	173	7	paramount	paramount	ADJ
issue-1691	173	8	importance	importance	NOUN
issue-1691	173	9	and	and	CCONJ
issue-1691	173	10	becomes	become	VERB
issue-1691	173	11	central	central	ADJ
issue-1691	173	12	to	to	ADP
issue-1691	173	13	improving	improve	VERB
issue-1691	173	14	the	the	DET
issue-1691	173	15	effectiveness	effectiveness	NOUN
issue-1691	173	16	of	of	ADP
issue-1691	173	17	eps	eps	PROPN
issue-1691	173	18	delivery	delivery	NOUN
issue-1691	173	19	.	.	PUNCT
issue-1691	174	1	risk	risk	NOUN
issue-1691	174	2	management	management	NOUN
issue-1691	174	3	encompasses	encompass	VERB
issue-1691	174	4	all	all	DET
issue-1691	174	5	aspects	aspect	NOUN
issue-1691	174	6	of	of	ADP
issue-1691	174	7	the	the	DET
issue-1691	174	8	activities	activity	NOUN
issue-1691	174	9	of	of	ADP
issue-1691	174	10	paytech	paytech	NOUN
issue-1691	174	11	companies	company	NOUN
issue-1691	174	12	;	;	PUNCT
issue-1691	174	13	it	it	PRON
issue-1691	174	14	is	be	AUX
issue-1691	174	15	aimed	aim	VERB
issue-1691	174	16	at	at	ADP
issue-1691	174	17	mitigating	mitigate	VERB
issue-1691	174	18	the	the	DET
issue-1691	174	19	impact	impact	NOUN
issue-1691	174	20	of	of	ADP
issue-1691	174	21	risks	risk	NOUN
issue-1691	174	22	and	and	CCONJ
issue-1691	174	23	reducing	reduce	VERB
issue-1691	174	24	the	the	DET
issue-1691	174	25	costs	cost	NOUN
issue-1691	174	26	incurred	incur	VERB
issue-1691	174	27	in	in	ADP
issue-1691	174	28	connection	connection	NOUN
issue-1691	174	29	with	with	ADP
issue-1691	174	30	them	they	PRON
issue-1691	174	31	when	when	SCONJ
issue-1691	174	32	optimizing	optimize	VERB
issue-1691	174	33	the	the	DET
issue-1691	174	34	costs	cost	NOUN
issue-1691	174	35	on	on	ADP
issue-1691	174	36	the	the	DET
issue-1691	174	37	respective	respective	ADJ
issue-1691	174	38	activities	activity	NOUN
issue-1691	174	39	,	,	PUNCT
issue-1691	174	40	which	which	PRON
issue-1691	174	41	requires	require	VERB
issue-1691	174	42	systemic	systemic	ADJ
issue-1691	174	43	approach	approach	NOUN
issue-1691	174	44	at	at	ADP
issue-1691	174	45	the	the	DET
issue-1691	174	46	company	company	NOUN
issue-1691	174	47	level	level	NOUN
issue-1691	174	48	.	.	PUNCT
issue-1691	175	1	in	in	ADP
issue-1691	175	2	particular	particular	ADJ
issue-1691	175	3	,	,	PUNCT
issue-1691	175	4	it	it	PRON
issue-1691	175	5	should	should	AUX
issue-1691	175	6	cover	cover	VERB
issue-1691	175	7	various	various	ADJ
issue-1691	175	8	threats	threat	NOUN
issue-1691	175	9	and	and	CCONJ
issue-1691	175	10	types	type	NOUN
issue-1691	175	11	of	of	ADP
issue-1691	175	12	risks	risk	NOUN
issue-1691	175	13	of	of	ADP
issue-1691	175	14	financial	financial	ADJ
issue-1691	175	15	as	as	ADV
issue-1691	175	16	well	well	ADV
issue-1691	175	17	as	as	ADP
issue-1691	175	18	non	non	ADJ
issue-1691	175	19	-	-	ADJ
issue-1691	175	20	financial	financial	ADJ
issue-1691	175	21	nature	nature	NOUN
issue-1691	175	22	(	(	PUNCT
issue-1691	175	23	transactional	transactional	ADJ
issue-1691	175	24	,	,	PUNCT
issue-1691	175	25	technical	technical	ADJ
issue-1691	175	26	,	,	PUNCT
issue-1691	175	27	reputational	reputational	ADJ
issue-1691	175	28	,	,	PUNCT
issue-1691	175	29	compliance	compliance	NOUN
issue-1691	175	30	,	,	PUNCT
issue-1691	175	31	credit	credit	NOUN
issue-1691	175	32	,	,	PUNCT
issue-1691	175	33	fraud	fraud	NOUN
issue-1691	175	34	,	,	PUNCT
issue-1691	175	35	chargeback	chargeback	NOUN
issue-1691	175	36	,	,	PUNCT
issue-1691	175	37	and	and	CCONJ
issue-1691	175	38	cybersecurity	cybersecurity	NOUN
issue-1691	175	39	risks	risk	NOUN
issue-1691	175	40	)	)	PUNCT
issue-1691	175	41	,	,	PUNCT
issue-1691	175	42	which	which	PRON
issue-1691	175	43	depend	depend	VERB
issue-1691	175	44	on	on	ADP
issue-1691	175	45	a	a	DET
issue-1691	175	46	wide	wide	ADJ
issue-1691	175	47	range	range	NOUN
issue-1691	175	48	of	of	ADP
issue-1691	175	49	factors	factor	NOUN
issue-1691	175	50	(	(	PUNCT
issue-1691	175	51	special	special	ADJ
issue-1691	175	52	solutions	solution	NOUN
issue-1691	175	53	,	,	PUNCT
issue-1691	175	54	software	software	NOUN
issue-1691	175	55	,	,	PUNCT
issue-1691	175	56	staff	staff	NOUN
issue-1691	175	57	competencies	competency	NOUN
issue-1691	175	58	,	,	PUNCT
issue-1691	175	59	partnership	partnership	NOUN
issue-1691	175	60	,	,	PUNCT
issue-1691	175	61	etc	etc	X
issue-1691	175	62	.	.	X
issue-1691	175	63	)	)	PUNCT
issue-1691	175	64	,	,	PUNCT
issue-1691	175	65	that	that	PRON
issue-1691	175	66	also	also	ADV
issue-1691	175	67	require	require	VERB
issue-1691	175	68	systemic	systemic	ADJ
issue-1691	175	69	concept	concept	NOUN
issue-1691	175	70	,	,	PUNCT
issue-1691	175	71	taking	take	VERB
issue-1691	175	72	into	into	ADP
issue-1691	175	73	account	account	NOUN
issue-1691	175	74	market	market	NOUN
issue-1691	175	75	specifics	specific	NOUN
issue-1691	175	76	of	of	ADP
issue-1691	175	77	eps	eps	PROPN
issue-1691	175	78	and	and	CCONJ
issue-1691	175	79	industries	industry	NOUN
issue-1691	175	80	that	that	PRON
issue-1691	175	81	are	be	AUX
issue-1691	175	82	serviced	service	VERB
issue-1691	175	83	.	.	PUNCT
issue-1691	176	1	risk	risk	NOUN
issue-1691	176	2	minimization	minimization	NOUN
issue-1691	176	3	is	be	AUX
issue-1691	176	4	a	a	DET
issue-1691	176	5	competitive	competitive	ADJ
issue-1691	176	6	advantage	advantage	NOUN
issue-1691	176	7	of	of	ADP
issue-1691	176	8	the	the	DET
issue-1691	176	9	companies	company	NOUN
issue-1691	176	10	,	,	PUNCT
issue-1691	176	11	which	which	PRON
issue-1691	176	12	links	link	VERB
issue-1691	176	13	risk	risk	NOUN
issue-1691	176	14	management	management	NOUN
issue-1691	176	15	to	to	ADP
issue-1691	176	16	marketing	marketing	NOUN
issue-1691	176	17	.	.	PUNCT
issue-1691	177	1	the	the	DET
issue-1691	177	2	low	low	ADJ
issue-1691	177	3	level	level	NOUN
issue-1691	177	4	of	of	ADP
issue-1691	177	5	risks	risk	NOUN
issue-1691	177	6	should	should	AUX
issue-1691	177	7	be	be	AUX
issue-1691	177	8	associated	associate	VERB
issue-1691	177	9	with	with	ADP
issue-1691	177	10	a	a	DET
issue-1691	177	11	high	high	ADJ
issue-1691	177	12	quality	quality	NOUN
issue-1691	177	13	of	of	ADP
issue-1691	177	14	eps	eps	PROPN
issue-1691	177	15	delivery	delivery	PROPN
issue-1691	177	16	ecosystem	ecosystem	NOUN
issue-1691	177	17	,	,	PUNCT
issue-1691	177	18	and	and	CCONJ
issue-1691	177	19	their	their	PRON
issue-1691	177	20	minimization	minimization	NOUN
issue-1691	177	21	becomes	become	VERB
issue-1691	177	22	a	a	DET
issue-1691	177	23	mandatory	mandatory	ADJ
issue-1691	177	24	area	area	NOUN
issue-1691	177	25	for	for	ADP
issue-1691	177	26	the	the	DET
issue-1691	177	27	introduction	introduction	NOUN
issue-1691	177	28	of	of	ADP
issue-1691	177	29	innovations	innovation	NOUN
issue-1691	177	30	.	.	PUNCT
issue-1691	178	1	the	the	DET
issue-1691	178	2	rapid	rapid	ADJ
issue-1691	178	3	development	development	NOUN
issue-1691	178	4	of	of	ADP
issue-1691	178	5	paytech	paytech	NOUN
issue-1691	178	6	is	be	AUX
issue-1691	178	7	associated	associate	VERB
issue-1691	178	8	with	with	ADP
issue-1691	178	9	a	a	DET
issue-1691	178	10	high	high	ADJ
issue-1691	178	11	-	-	PUNCT
issue-1691	178	12	speed	speed	NOUN
issue-1691	178	13	emergence	emergence	NOUN
issue-1691	178	14	of	of	ADP
issue-1691	178	15	a	a	DET
issue-1691	178	16	large	large	ADJ
issue-1691	178	17	amount	amount	NOUN
issue-1691	178	18	of	of	ADP
issue-1691	178	19	innovations	innovation	NOUN
issue-1691	178	20	,	,	PUNCT
issue-1691	178	21	including	include	VERB
issue-1691	178	22	financial	financial	ADJ
issue-1691	178	23	and	and	CCONJ
issue-1691	178	24	auxiliary	auxiliary	ADJ
issue-1691	178	25	services	service	NOUN
issue-1691	178	26	,	,	PUNCT
issue-1691	178	27	procedures	procedure	NOUN
issue-1691	178	28	for	for	ADP
issue-1691	178	29	carrying	carry	VERB
issue-1691	178	30	out	out	ADP
issue-1691	178	31	payment	payment	NOUN
issue-1691	178	32	transaction	transaction	NOUN
issue-1691	178	33	,	,	PUNCT
issue-1691	178	34	information	information	NOUN
issue-1691	178	35	products	product	NOUN
issue-1691	178	36	,	,	PUNCT
issue-1691	178	37	various	various	ADJ
issue-1691	178	38	software	software	NOUN
issue-1691	178	39	solutions	solution	NOUN
issue-1691	178	40	,	,	PUNCT
issue-1691	178	41	digital	digital	ADJ
issue-1691	178	42	technologies	technology	NOUN
issue-1691	178	43	and	and	CCONJ
issue-1691	178	44	infrastructure	infrastructure	NOUN
issue-1691	178	45	of	of	ADP
issue-1691	178	46	electronic	electronic	ADJ
issue-1691	178	47	payment	payment	NOUN
issue-1691	178	48	systems	system	NOUN
issue-1691	178	49	.	.	PUNCT
issue-1691	179	1	innovations	innovation	NOUN
issue-1691	179	2	become	become	VERB
issue-1691	179	3	imperative	imperative	ADJ
issue-1691	179	4	,	,	PUNCT
issue-1691	179	5	and	and	CCONJ
issue-1691	179	6	their	their	PRON
issue-1691	179	7	development	development	NOUN
issue-1691	179	8	is	be	AUX
issue-1691	179	9	one	one	NUM
issue-1691	179	10	of	of	ADP
issue-1691	179	11	the	the	DET
issue-1691	179	12	strategic	strategic	ADJ
issue-1691	179	13	areas	area	NOUN
issue-1691	179	14	to	to	PART
issue-1691	179	15	improve	improve	VERB
issue-1691	179	16	the	the	DET
issue-1691	179	17	effectiveness	effectiveness	NOUN
issue-1691	179	18	.	.	PUNCT
issue-1691	180	1	the	the	DET
issue-1691	180	2	innovations	innovation	NOUN
issue-1691	180	3	can	can	AUX
issue-1691	180	4	be	be	AUX
issue-1691	180	5	aimed	aim	VERB
issue-1691	180	6	at	at	ADP
issue-1691	180	7	increasing	increase	VERB
issue-1691	180	8	the	the	DET
issue-1691	180	9	profit	profit	NOUN
issue-1691	180	10	on	on	ADP
issue-1691	180	11	account	account	NOUN
issue-1691	180	12	of	of	ADP
issue-1691	180	13	the	the	DET
issue-1691	180	14	creation	creation	NOUN
issue-1691	180	15	of	of	ADP
issue-1691	180	16	new	new	ADJ
issue-1691	180	17	value	value	NOUN
issue-1691	180	18	as	as	ADV
issue-1691	180	19	well	well	ADV
issue-1691	180	20	as	as	ADP
issue-1691	180	21	at	at	ADP
issue-1691	180	22	the	the	DET
issue-1691	180	23	optimization	optimization	NOUN
issue-1691	180	24	,	,	PUNCT
issue-1691	180	25	minimization	minimization	NOUN
issue-1691	180	26	of	of	ADP
issue-1691	180	27	costs	cost	NOUN
issue-1691	180	28	,	,	PUNCT
issue-1691	180	29	elimination	elimination	NOUN
issue-1691	180	30	of	of	ADP
issue-1691	180	31	problems	problem	NOUN
issue-1691	180	32	and	and	CCONJ
issue-1691	180	33	defects	defect	NOUN
issue-1691	180	34	,	,	PUNCT
issue-1691	180	35	which	which	PRON
issue-1691	180	36	has	have	VERB
issue-1691	180	37	a	a	DET
issue-1691	180	38	direct	direct	ADJ
issue-1691	180	39	impact	impact	NOUN
issue-1691	180	40	on	on	ADP
issue-1691	180	41	the	the	DET
issue-1691	180	42	effectiveness	effectiveness	NOUN
issue-1691	180	43	.	.	PUNCT
issue-1691	181	1	innovations	innovation	NOUN
issue-1691	181	2	become	become	VERB
issue-1691	181	3	more	more	ADV
issue-1691	181	4	and	and	CCONJ
issue-1691	181	5	more	more	ADV
issue-1691	181	6	powerful	powerful	ADJ
issue-1691	181	7	tool	tool	NOUN
issue-1691	181	8	for	for	ADP
issue-1691	181	9	enhancing	enhance	VERB
issue-1691	181	10	the	the	DET
issue-1691	181	11	activities	activity	NOUN
issue-1691	181	12	and	and	CCONJ
issue-1691	181	13	attracting	attract	VERB
issue-1691	181	14	new	new	ADJ
issue-1691	181	15	clients	client	NOUN
issue-1691	181	16	,	,	PUNCT
issue-1691	181	17	which	which	PRON
issue-1691	181	18	is	be	AUX
issue-1691	181	19	related	relate	VERB
issue-1691	181	20	to	to	ADP
issue-1691	181	21	the	the	DET
issue-1691	181	22	companies	company	NOUN
issue-1691	181	23	with	with	ADP
issue-1691	181	24	different	different	ADJ
issue-1691	181	25	market	market	NOUN
issue-1691	181	26	strategies	strategy	NOUN
issue-1691	181	27	.	.	PUNCT
issue-1691	182	1	the	the	DET
issue-1691	182	2	provider	provider	NOUN
issue-1691	182	3	of	of	ADP
issue-1691	182	4	eps	eps	PROPN
issue-1691	182	5	operates	operate	NOUN
issue-1691	182	6	in	in	ADP
issue-1691	182	7	a	a	DET
issue-1691	182	8	complex	complex	ADJ
issue-1691	182	9	system	system	NOUN
issue-1691	182	10	of	of	ADP
issue-1691	182	11	relationships	relationship	NOUN
issue-1691	182	12	with	with	ADP
issue-1691	182	13	partners	partner	NOUN
issue-1691	182	14	,	,	PUNCT
issue-1691	182	15	which	which	PRON
issue-1691	182	16	requires	require	VERB
issue-1691	182	17	taking	take	VERB
issue-1691	182	18	into	into	ADP
issue-1691	182	19	consideration	consideration	NOUN
issue-1691	182	20	cluster	cluster	NOUN
issue-1691	182	21	interactions	interaction	NOUN
issue-1691	182	22	and	and	CCONJ
issue-1691	182	23	chain	chain	NOUN
issue-1691	182	24	nature	nature	NOUN
issue-1691	182	25	of	of	ADP
issue-1691	182	26	innovations	innovation	NOUN
issue-1691	182	27	.	.	PUNCT
issue-1691	183	1	envisaging	envisage	VERB
issue-1691	183	2	an	an	DET
issue-1691	183	3	expansion	expansion	NOUN
issue-1691	183	4	of	of	ADP
issue-1691	183	5	the	the	DET
issue-1691	183	6	range	range	NOUN
issue-1691	183	7	of	of	ADP
issue-1691	183	8	services	service	NOUN
issue-1691	183	9	provided	provide	VERB
issue-1691	183	10	to	to	ADP
issue-1691	183	11	the	the	DET
issue-1691	183	12	consumers	consumer	NOUN
issue-1691	183	13	,	,	PUNCT
issue-1691	183	14	the	the	DET
issue-1691	183	15	development	development	NOUN
issue-1691	183	16	of	of	ADP
issue-1691	183	17	innovations	innovation	NOUN
issue-1691	183	18	is	be	AUX
issue-1691	183	19	a	a	DET
issue-1691	183	20	basic	basic	ADJ
issue-1691	183	21	way	way	NOUN
issue-1691	183	22	of	of	ADP
issue-1691	183	23	developing	develop	VERB
issue-1691	183	24	the	the	DET
issue-1691	183	25	eps	eps	PROPN
issue-1691	183	26	ecosystem	ecosystem	NOUN
issue-1691	183	27	,	,	PUNCT
issue-1691	183	28	and	and	CCONJ
issue-1691	183	29	it	it	PRON
issue-1691	183	30	also	also	ADV
issue-1691	183	31	includes	include	VERB
issue-1691	183	32	such	such	DET
issue-1691	183	33	a	a	DET
issue-1691	183	34	critical	critical	ADJ
issue-1691	183	35	component	component	NOUN
issue-1691	183	36	of	of	ADP
issue-1691	183	37	the	the	DET
issue-1691	183	38	companies	company	NOUN
issue-1691	183	39	’	'	PUNCT
issue-1691	183	40	activities	activity	NOUN
issue-1691	183	41	as	as	ADP
issue-1691	183	42	risk	risk	NOUN
issue-1691	183	43	minimization	minimization	NOUN
issue-1691	183	44	.	.	PUNCT
issue-1691	184	1	the	the	DET
issue-1691	184	2	improvement	improvement	NOUN
issue-1691	184	3	of	of	ADP
issue-1691	184	4	the	the	DET
issue-1691	184	5	effectiveness	effectiveness	NOUN
issue-1691	184	6	of	of	ADP
issue-1691	184	7	eps	eps	PROPN
issue-1691	184	8	should	should	AUX
issue-1691	184	9	take	take	VERB
issue-1691	184	10	into	into	ADP
issue-1691	184	11	consideration	consideration	NOUN
issue-1691	184	12	the	the	DET
issue-1691	184	13	effectiveness	effectiveness	NOUN
issue-1691	184	14	of	of	ADP
issue-1691	184	15	the	the	DET
issue-1691	184	16	innovative	innovative	ADJ
issue-1691	184	17	activity	activity	NOUN
issue-1691	184	18	itself	itself	PRON
issue-1691	184	19	,	,	PUNCT
issue-1691	184	20	which	which	PRON
issue-1691	184	21	becomes	become	VERB
issue-1691	184	22	increasingly	increasingly	ADV
issue-1691	184	23	complex	complex	ADJ
issue-1691	184	24	due	due	ADP
issue-1691	184	25	to	to	ADP
issue-1691	184	26	the	the	DET
issue-1691	184	27	dynamism	dynamism	NOUN
issue-1691	184	28	of	of	ADP
issue-1691	184	29	the	the	DET
issue-1691	184	30	market	market	NOUN
issue-1691	184	31	and	and	CCONJ
issue-1691	184	32	technologies	technology	NOUN
issue-1691	184	33	.	.	PUNCT
issue-1691	185	1	the	the	DET
issue-1691	185	2	internal	internal	ADJ
issue-1691	185	3	and	and	CCONJ
issue-1691	185	4	external	external	ADJ
issue-1691	185	5	aspects	aspect	NOUN
issue-1691	185	6	of	of	ADP
issue-1691	185	7	the	the	DET
issue-1691	185	8	development	development	NOUN
issue-1691	185	9	of	of	ADP
issue-1691	185	10	innovations	innovation	NOUN
issue-1691	185	11	require	require	VERB
issue-1691	185	12	the	the	DET
issue-1691	185	13	respective	respective	ADJ
issue-1691	185	14	strategic	strategic	ADJ
issue-1691	185	15	management	management	NOUN
issue-1691	185	16	,	,	PUNCT
issue-1691	185	17	which	which	PRON
issue-1691	185	18	should	should	AUX
issue-1691	185	19	include	include	VERB
issue-1691	185	20	all	all	DET
issue-1691	185	21	stages	stage	NOUN
issue-1691	185	22	of	of	ADP
issue-1691	185	23	the	the	DET
issue-1691	185	24	creation	creation	NOUN
issue-1691	185	25	of	of	ADP
issue-1691	185	26	innovation	innovation	NOUN
issue-1691	185	27	,	,	PUNCT
issue-1691	185	28	organization	organization	NOUN
issue-1691	185	29	of	of	ADP
issue-1691	185	30	these	these	DET
issue-1691	185	31	processes	process	NOUN
issue-1691	185	32	as	as	ADV
issue-1691	185	33	well	well	ADV
issue-1691	185	34	as	as	ADP
issue-1691	185	35	comprehensive	comprehensive	ADJ
issue-1691	185	36	development	development	NOUN
issue-1691	185	37	of	of	ADP
issue-1691	185	38	the	the	DET
issue-1691	185	39	companies	company	NOUN
issue-1691	185	40	’	’	PART
issue-1691	185	41	innovative	innovative	ADJ
issue-1691	185	42	capabilities	capability	NOUN
issue-1691	185	43	and	and	CCONJ
issue-1691	185	44	ensuring	ensure	VERB
issue-1691	185	45	the	the	DET
issue-1691	185	46	promotion	promotion	NOUN
issue-1691	185	47	of	of	ADP
issue-1691	185	48	innovations	innovation	NOUN
issue-1691	185	49	.	.	PUNCT
issue-1691	186	1	due	due	ADP
issue-1691	186	2	to	to	ADP
issue-1691	186	3	the	the	DET
issue-1691	186	4	too	too	ADV
issue-1691	186	5	high	high	ADJ
issue-1691	186	6	innovative	innovative	ADJ
issue-1691	186	7	risk	risk	NOUN
issue-1691	186	8	,	,	PUNCT
issue-1691	186	9	the	the	DET
issue-1691	186	10	innovative	innovative	ADJ
issue-1691	186	11	activities	activity	NOUN
issue-1691	186	12	should	should	AUX
issue-1691	186	13	include	include	VERB
issue-1691	186	14	risk	risk	NOUN
issue-1691	186	15	management	management	NOUN
issue-1691	186	16	.	.	PUNCT
issue-1691	187	1	under	under	ADP
issue-1691	187	2	modern	modern	ADJ
issue-1691	187	3	conditions	condition	NOUN
issue-1691	187	4	,	,	PUNCT
issue-1691	187	5	it	it	PRON
issue-1691	187	6	is	be	AUX
issue-1691	187	7	expedient	expedient	ADJ
issue-1691	187	8	to	to	PART
issue-1691	187	9	use	use	VERB
issue-1691	187	10	the	the	DET
issue-1691	187	11	models	model	NOUN
issue-1691	187	12	of	of	ADP
issue-1691	187	13	open	open	ADJ
issue-1691	187	14	innovation	innovation	NOUN
issue-1691	187	15	,	,	PUNCT
issue-1691	187	16	which	which	PRON
issue-1691	187	17	provides	provide	VERB
issue-1691	187	18	for	for	ADP
issue-1691	187	19	an	an	DET
issue-1691	187	20	active	active	ADJ
issue-1691	187	21	interaction	interaction	NOUN
issue-1691	187	22	with	with	ADP
issue-1691	187	23	the	the	DET
issue-1691	187	24	consumers	consumer	NOUN
issue-1691	187	25	of	of	ADP
issue-1691	187	26	eps	eps	PROPN
issue-1691	187	27	that	that	PRON
issue-1691	187	28	can	can	AUX
issue-1691	187	29	be	be	AUX
issue-1691	187	30	associated	associate	VERB
issue-1691	187	31	with	with	ADP
issue-1691	187	32	a	a	DET
issue-1691	187	33	high	high	ADJ
issue-1691	187	34	quality	quality	NOUN
issue-1691	187	35	of	of	ADP
issue-1691	187	36	their	their	PRON
issue-1691	187	37	ecosystems	ecosystem	NOUN
issue-1691	187	38	and	and	CCONJ
issue-1691	187	39	mitigates	mitigate	VERB
issue-1691	187	40	the	the	DET
issue-1691	187	41	innovative	innovative	ADJ
issue-1691	187	42	risk	risk	NOUN
issue-1691	187	43	.	.	PUNCT
issue-1691	188	1	paytech	paytech	NOUN
issue-1691	188	2	moves	move	VERB
issue-1691	188	3	towards	towards	ADP
issue-1691	188	4	the	the	DET
issue-1691	188	5	platform	platform	NOUN
issue-1691	188	6	approach	approach	NOUN
issue-1691	188	7	,	,	PUNCT
issue-1691	188	8	which	which	PRON
issue-1691	188	9	allows	allow	VERB
issue-1691	188	10	for	for	ADP
issue-1691	188	11	the	the	DET
issue-1691	188	12	development	development	NOUN
issue-1691	188	13	of	of	ADP
issue-1691	188	14	integral	integral	ADJ
issue-1691	188	15	ecosystems	ecosystem	NOUN
issue-1691	188	16	of	of	ADP
issue-1691	188	17	eps	eps	PROPN
issue-1691	188	18	delivery	delivery	NOUN
issue-1691	188	19	,	,	PUNCT
issue-1691	188	20	expanding	expand	VERB
issue-1691	188	21	the	the	DET
issue-1691	188	22	range	range	NOUN
issue-1691	188	23	of	of	ADP
issue-1691	188	24	financial	financial	ADJ
issue-1691	188	25	and	and	CCONJ
issue-1691	188	26	auxiliary	auxiliary	ADJ
issue-1691	188	27	services	service	NOUN
issue-1691	188	28	provided	provide	VERB
issue-1691	188	29	to	to	ADP
issue-1691	188	30	the	the	DET
issue-1691	188	31	consumers	consumer	NOUN
issue-1691	188	32	as	as	ADV
issue-1691	188	33	well	well	ADV
issue-1691	188	34	as	as	ADP
issue-1691	188	35	offering	offer	VERB
issue-1691	188	36	additional	additional	ADJ
issue-1691	188	37	information	information	NOUN
issue-1691	188	38	products	product	NOUN
issue-1691	188	39	and	and	CCONJ
issue-1691	188	40	tools	tool	NOUN
issue-1691	188	41	which	which	PRON
issue-1691	188	42	are	be	AUX
issue-1691	188	43	customized	customize	VERB
issue-1691	188	44	according	accord	VERB
issue-1691	188	45	to	to	ADP
issue-1691	188	46	their	their	PRON
issue-1691	188	47	requests	request	NOUN
issue-1691	188	48	(	(	PUNCT
issue-1691	188	49	including	include	VERB
issue-1691	188	50	business	business	NOUN
issue-1691	188	51	entity	entity	NOUN
issue-1691	188	52	’s	’s	PART
issue-1691	188	53	requests	request	NOUN
issue-1691	188	54	as	as	ADP
issue-1691	188	55	a	a	DET
issue-1691	188	56	user	user	NOUN
issue-1691	188	57	)	)	PUNCT
issue-1691	188	58	.	.	PUNCT
issue-1691	189	1	it	it	PRON
issue-1691	189	2	is	be	AUX
issue-1691	189	3	a	a	DET
issue-1691	189	4	new	new	ADJ
issue-1691	189	5	approach	approach	NOUN
issue-1691	189	6	to	to	ADP
issue-1691	189	7	the	the	DET
issue-1691	189	8	creation	creation	NOUN
issue-1691	189	9	of	of	ADP
issue-1691	189	10	value	value	NOUN
issue-1691	189	11	,	,	PUNCT
issue-1691	189	12	and	and	CCONJ
issue-1691	189	13	it	it	PRON
issue-1691	189	14	requires	require	VERB
issue-1691	189	15	an	an	DET
issue-1691	189	16	expansion	expansion	NOUN
issue-1691	189	17	of	of	ADP
issue-1691	189	18	functional	functional	ADJ
issue-1691	189	19	capabilities	capability	NOUN
issue-1691	189	20	of	of	ADP
issue-1691	189	21	electronic	electronic	ADJ
issue-1691	189	22	payment	payment	NOUN
issue-1691	189	23	systems	system	NOUN
issue-1691	189	24	and	and	CCONJ
issue-1691	189	25	cluster	cluster	NOUN
issue-1691	189	26	partnerships	partnership	NOUN
issue-1691	189	27	.	.	PUNCT
issue-1691	190	1	the	the	DET
issue-1691	190	2	creation	creation	NOUN
issue-1691	190	3	of	of	ADP
issue-1691	190	4	more	more	ADJ
issue-1691	190	5	complex	complex	ADJ
issue-1691	190	6	multifunctional	multifunctional	ADJ
issue-1691	190	7	electronic	electronic	ADJ
issue-1691	190	8	payment	payment	NOUN
issue-1691	190	9	system	system	NOUN
issue-1691	190	10	provides	provide	VERB
issue-1691	190	11	for	for	ADP
issue-1691	190	12	the	the	DET
issue-1691	190	13	relevant	relevant	ADJ
issue-1691	190	14	innovative	innovative	ADJ
issue-1691	190	15	activity	activity	NOUN
issue-1691	190	16	.	.	PUNCT
issue-1691	191	1	an	an	DET
issue-1691	191	2	introduction	introduction	NOUN
issue-1691	191	3	of	of	ADP
issue-1691	191	4	a	a	DET
issue-1691	191	5	wide	wide	ADJ
issue-1691	191	6	range	range	NOUN
issue-1691	191	7	of	of	ADP
issue-1691	191	8	services	service	NOUN
issue-1691	191	9	and	and	CCONJ
issue-1691	191	10	tools	tool	NOUN
issue-1691	191	11	for	for	ADP
issue-1691	191	12	the	the	DET
issue-1691	191	13	user	user	NOUN
issue-1691	191	14	(	(	PUNCT
issue-1691	191	15	for	for	ADP
issue-1691	191	16	example	example	NOUN
issue-1691	191	17	,	,	PUNCT
issue-1691	191	18	online	online	ADJ
issue-1691	191	19	shop	shop	NOUN
issue-1691	191	20	)	)	PUNCT
issue-1691	191	21	requires	require	VERB
issue-1691	191	22	the	the	DET
issue-1691	191	23	appropriate	appropriate	ADJ
issue-1691	191	24	support	support	NOUN
issue-1691	191	25	from	from	ADP
issue-1691	191	26	eps	eps	NOUN
issue-1691	191	27	provider	provider	NOUN
issue-1691	191	28	(	(	PUNCT
issue-1691	191	29	development	development	NOUN
issue-1691	191	30	of	of	ADP
issue-1691	191	31	technology	technology	NOUN
issue-1691	191	32	,	,	PUNCT
issue-1691	191	33	provision	provision	NOUN
issue-1691	191	34	of	of	ADP
issue-1691	191	35	facilities	facility	NOUN
issue-1691	191	36	,	,	PUNCT
issue-1691	191	37	maintenance	maintenance	NOUN
issue-1691	191	38	support	support	NOUN
issue-1691	191	39	,	,	PUNCT
issue-1691	191	40	upgrading	upgrading	NOUN
issue-1691	191	41	,	,	PUNCT
issue-1691	191	42	compliance	compliance	NOUN
issue-1691	191	43	,	,	PUNCT
issue-1691	191	44	etc	etc	X
issue-1691	191	45	.	.	X
issue-1691	191	46	)	)	PUNCT
issue-1691	191	47	,	,	PUNCT
issue-1691	191	48	at	at	ADP
issue-1691	191	49	the	the	DET
issue-1691	191	50	same	same	ADJ
issue-1691	191	51	time	time	NOUN
issue-1691	191	52	,	,	PUNCT
issue-1691	191	53	such	such	ADJ
issue-1691	191	54	comprehensive	comprehensive	ADJ
issue-1691	191	55	financial	financial	ADJ
issue-1691	191	56	and	and	CCONJ
issue-1691	191	57	technological	technological	ADJ
issue-1691	191	58	service	service	NOUN
issue-1691	191	59	should	should	AUX
issue-1691	191	60	meet	meet	VERB
issue-1691	191	61	market	market	NOUN
issue-1691	191	62	requirements	requirement	NOUN
issue-1691	191	63	for	for	ADP
issue-1691	191	64	a	a	DET
issue-1691	191	65	range	range	NOUN
issue-1691	191	66	of	of	ADP
issue-1691	191	67	services	service	NOUN
issue-1691	191	68	,	,	PUNCT
issue-1691	191	69	capabilities	capability	NOUN
issue-1691	191	70	,	,	PUNCT
issue-1691	191	71	quality	quality	NOUN
issue-1691	191	72	and	and	CCONJ
issue-1691	191	73	prices	price	NOUN
issue-1691	191	74	,	,	PUNCT
issue-1691	191	75	while	while	SCONJ
issue-1691	191	76	complying	comply	VERB
issue-1691	191	77	with	with	ADP
issue-1691	191	78	even	even	ADV
issue-1691	191	79	more	more	ADV
issue-1691	191	80	complex	complex	ADJ
issue-1691	191	81	set	set	NOUN
issue-1691	191	82	of	of	ADP
issue-1691	191	83	regulatory	regulatory	ADJ
issue-1691	191	84	standards	standard	NOUN
issue-1691	191	85	.	.	PUNCT
issue-1691	192	1	it	it	PRON
issue-1691	192	2	not	not	PART
issue-1691	192	3	only	only	ADV
issue-1691	192	4	transforms	transform	VERB
issue-1691	192	5	the	the	DET
issue-1691	192	6	company	company	NOUN
issue-1691	192	7	’s	’s	PART
issue-1691	192	8	business	business	NOUN
issue-1691	192	9	model	model	NOUN
issue-1691	192	10	,	,	PUNCT
issue-1691	192	11	but	but	CCONJ
issue-1691	192	12	also	also	ADV
issue-1691	192	13	requires	require	VERB
issue-1691	192	14	the	the	DET
issue-1691	192	15	appropriate	appropriate	ADJ
issue-1691	192	16	strategic	strategic	ADJ
issue-1691	192	17	management	management	NOUN
issue-1691	192	18	and	and	CCONJ
issue-1691	192	19	marketing	marketing	NOUN
issue-1691	192	20	,	,	PUNCT
issue-1691	192	21	and	and	CCONJ
issue-1691	192	22	needs	need	VERB
issue-1691	192	23	to	to	PART
issue-1691	192	24	be	be	AUX
issue-1691	192	25	considered	consider	VERB
issue-1691	192	26	in	in	ADP
issue-1691	192	27	terms	term	NOUN
issue-1691	192	28	of	of	ADP
issue-1691	192	29	effectiveness	effectiveness	NOUN
issue-1691	192	30	,	,	PUNCT
issue-1691	192	31	which	which	PRON
issue-1691	192	32	depends	depend	VERB
issue-1691	192	33	on	on	ADP
issue-1691	192	34	the	the	DET
issue-1691	192	35	purposes	purpose	NOUN
issue-1691	192	36	and	and	CCONJ
issue-1691	192	37	configuration	configuration	NOUN
issue-1691	192	38	of	of	ADP
issue-1691	192	39	the	the	DET
issue-1691	192	40	ecosystem	ecosystem	NOUN
issue-1691	192	41	.	.	PUNCT
issue-1691	193	1	building	build	VERB
issue-1691	193	2	the	the	DET
issue-1691	193	3	payment	payment	NOUN
issue-1691	193	4	systems	system	NOUN
issue-1691	193	5	requires	require	VERB
issue-1691	193	6	consideration	consideration	NOUN
issue-1691	193	7	to	to	PART
issue-1691	193	8	be	be	AUX
issue-1691	193	9	given	give	VERB
issue-1691	193	10	to	to	ADP
issue-1691	193	11	the	the	DET
issue-1691	193	12	trends	trend	NOUN
issue-1691	193	13	in	in	ADP
issue-1691	193	14	the	the	DET
issue-1691	193	15	development	development	NOUN
issue-1691	193	16	of	of	ADP
issue-1691	193	17	digital	digital	ADJ
issue-1691	193	18	economy	economy	NOUN
issue-1691	193	19	and	and	CCONJ
issue-1691	193	20	demands	demand	NOUN
issue-1691	193	21	for	for	ADP
issue-1691	193	22	eps	eps	PROPN
issue-1691	193	23	.	.	PUNCT
issue-1691	194	1	the	the	DET
issue-1691	194	2	proposed	propose	VERB
issue-1691	194	3	areas	area	NOUN
issue-1691	194	4	to	to	PART
issue-1691	194	5	improve	improve	VERB
issue-1691	194	6	the	the	DET
issue-1691	194	7	effectiveness	effectiveness	NOUN
issue-1691	194	8	of	of	ADP
issue-1691	194	9	eps	eps	PROPN
issue-1691	194	10	delivery	delivery	NOUN
issue-1691	194	11	enable	enable	ADJ
issue-1691	194	12	to	to	PART
issue-1691	194	13	improve	improve	VERB
issue-1691	194	14	the	the	DET
issue-1691	194	15	methodology	methodology	NOUN
issue-1691	194	16	for	for	ADP
issue-1691	194	17	creating	create	VERB
issue-1691	194	18	new	new	ADJ
issue-1691	194	19	or	or	CCONJ
issue-1691	194	20	enhancing	enhance	VERB
issue-1691	194	21	the	the	DET
issue-1691	194	22	existing	exist	VERB
issue-1691	194	23	electronic	electronic	ADJ
issue-1691	194	24	payment	payment	NOUN
issue-1691	194	25	systems	system	NOUN
issue-1691	194	26	,	,	PUNCT
issue-1691	194	27	while	while	SCONJ
issue-1691	194	28	allowing	allow	VERB
issue-1691	194	29	for	for	ADP
issue-1691	194	30	their	their	PRON
issue-1691	194	31	complication	complication	NOUN
issue-1691	194	32	in	in	ADP
issue-1691	194	33	terms	term	NOUN
issue-1691	194	34	of	of	ADP
issue-1691	194	35	functions	function	NOUN
issue-1691	194	36	,	,	PUNCT
issue-1691	194	37	resources	resource	NOUN
issue-1691	194	38	,	,	PUNCT
issue-1691	194	39	business	business	NOUN
issue-1691	194	40	processes	process	NOUN
issue-1691	194	41	,	,	PUNCT
issue-1691	194	42	etc	etc	X
issue-1691	194	43	.	.	X
issue-1691	194	44	regulatory	regulatory	ADJ
issue-1691	194	45	policy	policy	NOUN
issue-1691	194	46	naturally	naturally	ADV
issue-1691	194	47	has	have	VERB
issue-1691	194	48	a	a	DET
issue-1691	194	49	great	great	ADJ
issue-1691	194	50	impact	impact	NOUN
issue-1691	194	51	on	on	ADP
issue-1691	194	52	the	the	DET
issue-1691	194	53	strategic	strategic	ADJ
issue-1691	194	54	areas	area	NOUN
issue-1691	194	55	of	of	ADP
issue-1691	194	56	improving	improve	VERB
issue-1691	194	57	the	the	DET
issue-1691	194	58	effectiveness	effectiveness	NOUN
issue-1691	194	59	of	of	ADP
issue-1691	194	60	eps	eps	PROPN
issue-1691	194	61	delivery	delivery	NOUN
issue-1691	194	62	.	.	PUNCT
issue-1691	195	1	the	the	DET
issue-1691	195	2	government	government	NOUN
issue-1691	195	3	plays	play	VERB
issue-1691	195	4	an	an	DET
issue-1691	195	5	important	important	ADJ
issue-1691	195	6	role	role	NOUN
issue-1691	195	7	in	in	ADP
issue-1691	195	8	developing	develop	VERB
issue-1691	195	9	paytech	paytech	NOUN
issue-1691	195	10	,	,	PUNCT
issue-1691	195	11	promoting	promote	VERB
issue-1691	195	12	innovations	innovation	NOUN
issue-1691	195	13	,	,	PUNCT
issue-1691	195	14	and	and	CCONJ
issue-1691	195	15	minimizing	minimize	VERB
issue-1691	195	16	external	external	ADJ
issue-1691	195	17	risks	risk	NOUN
issue-1691	195	18	.	.	PUNCT
issue-1691	196	1	in	in	ADP
issue-1691	196	2	order	order	NOUN
issue-1691	196	3	to	to	PART
issue-1691	196	4	address	address	VERB
issue-1691	196	5	multiple	multiple	ADJ
issue-1691	196	6	challenges	challenge	NOUN
issue-1691	196	7	faced	face	VERB
issue-1691	196	8	by	by	ADP
issue-1691	196	9	electronic	electronic	ADJ
issue-1691	196	10	payment	payment	NOUN
issue-1691	196	11	systems	system	NOUN
issue-1691	196	12	,	,	PUNCT
issue-1691	196	13	the	the	DET
issue-1691	196	14	market	market	NOUN
issue-1691	196	15	of	of	ADP
issue-1691	196	16	which	which	PRON
issue-1691	196	17	is	be	AUX
issue-1691	196	18	still	still	ADV
issue-1691	196	19	under	under	ADP
issue-1691	196	20	baltic	baltic	ADJ
issue-1691	196	21	journal	journal	NOUN
issue-1691	196	22	of	of	ADP
issue-1691	196	23	economic	economic	ADJ
issue-1691	196	24	studies	study	NOUN
issue-1691	196	25	156	156	NUM
issue-1691	196	26	vol	vol	NOUN
issue-1691	196	27	.	.	PROPN
issue-1691	196	28	8	8	NUM
issue-1691	197	1	no	no	NOUN
issue-1691	197	2	.	.	NOUN
issue-1691	197	3	1	1	NUM
issue-1691	197	4	,	,	PUNCT
issue-1691	197	5	2022	2022	NUM
issue-1691	197	6	development	development	NOUN
issue-1691	197	7	,	,	PUNCT
issue-1691	197	8	it	it	PRON
issue-1691	197	9	is	be	AUX
issue-1691	197	10	reasonable	reasonable	ADJ
issue-1691	197	11	for	for	SCONJ
issue-1691	197	12	the	the	DET
issue-1691	197	13	government	government	NOUN
issue-1691	197	14	to	to	PART
issue-1691	197	15	create	create	VERB
issue-1691	197	16	special	special	ADJ
issue-1691	197	17	modes	mode	NOUN
issue-1691	197	18	,	,	PUNCT
issue-1691	197	19	for	for	ADP
issue-1691	197	20	example	example	NOUN
issue-1691	197	21	,	,	PUNCT
issue-1691	197	22	in	in	ADP
issue-1691	197	23	the	the	DET
issue-1691	197	24	form	form	NOUN
issue-1691	197	25	of	of	ADP
issue-1691	197	26	regulatory	regulatory	ADJ
issue-1691	197	27	"	"	PUNCT
issue-1691	197	28	sandboxes	sandbox	NOUN
issue-1691	197	29	"	"	PUNCT
issue-1691	197	30	,	,	PUNCT
issue-1691	197	31	within	within	ADP
issue-1691	197	32	which	which	PRON
issue-1691	197	33	the	the	DET
issue-1691	197	34	companies	company	NOUN
issue-1691	197	35	obtain	obtain	VERB
issue-1691	197	36	favorable	favorable	ADJ
issue-1691	197	37	conditions	condition	NOUN
issue-1691	197	38	and	and	CCONJ
issue-1691	197	39	are	be	AUX
issue-1691	197	40	able	able	ADJ
issue-1691	197	41	to	to	PART
issue-1691	197	42	adapt	adapt	VERB
issue-1691	197	43	to	to	ADP
issue-1691	197	44	regulatory	regulatory	ADJ
issue-1691	197	45	requirements	requirement	NOUN
issue-1691	197	46	.	.	PUNCT
issue-1691	198	1	6	6	NUM
issue-1691	198	2	.	.	X
issue-1691	198	3	discussion	discussion	NOUN
issue-1691	198	4	and	and	CCONJ
issue-1691	198	5	practical	practical	ADJ
issue-1691	198	6	recommendations	recommendation	NOUN
issue-1691	198	7	the	the	DET
issue-1691	198	8	intensification	intensification	NOUN
issue-1691	198	9	of	of	ADP
issue-1691	198	10	electronic	electronic	ADJ
issue-1691	198	11	payment	payment	NOUN
issue-1691	198	12	systems	system	NOUN
issue-1691	198	13	should	should	AUX
issue-1691	198	14	be	be	AUX
issue-1691	198	15	considered	consider	VERB
issue-1691	198	16	in	in	ADP
issue-1691	198	17	the	the	DET
issue-1691	198	18	broad	broad	ADJ
issue-1691	198	19	context	context	NOUN
issue-1691	198	20	,	,	PUNCT
issue-1691	198	21	taking	take	VERB
issue-1691	198	22	into	into	ADP
issue-1691	198	23	consideration	consideration	NOUN
issue-1691	198	24	the	the	DET
issue-1691	198	25	development	development	NOUN
issue-1691	198	26	of	of	ADP
issue-1691	198	27	other	other	ADJ
issue-1691	198	28	industries	industry	NOUN
issue-1691	198	29	of	of	ADP
issue-1691	198	30	digital	digital	ADJ
issue-1691	198	31	economy	economy	NOUN
issue-1691	198	32	and	and	CCONJ
issue-1691	198	33	fintech	fintech	NOUN
issue-1691	198	34	spheres	sphere	NOUN
issue-1691	198	35	.	.	PUNCT
issue-1691	199	1	within	within	ADP
issue-1691	199	2	the	the	DET
issue-1691	199	3	framework	framework	NOUN
issue-1691	199	4	of	of	ADP
issue-1691	199	5	the	the	DET
issue-1691	199	6	proposed	propose	VERB
issue-1691	199	7	strategic	strategic	ADJ
issue-1691	199	8	areas	area	NOUN
issue-1691	199	9	of	of	ADP
issue-1691	199	10	eps	eps	PROPN
issue-1691	199	11	,	,	PUNCT
issue-1691	199	12	it	it	PRON
issue-1691	199	13	is	be	AUX
issue-1691	199	14	critical	critical	ADJ
issue-1691	199	15	:	:	PUNCT
issue-1691	199	16	1	1	NUM
issue-1691	199	17	)	)	PUNCT
issue-1691	199	18	to	to	PART
issue-1691	199	19	identify	identify	VERB
issue-1691	199	20	the	the	DET
issue-1691	199	21	potential	potential	ADJ
issue-1691	199	22	sources	source	NOUN
issue-1691	199	23	of	of	ADP
issue-1691	199	24	risk	risk	NOUN
issue-1691	199	25	increase	increase	NOUN
issue-1691	199	26	and	and	CCONJ
issue-1691	199	27	trends	trend	NOUN
issue-1691	199	28	in	in	ADP
issue-1691	199	29	the	the	DET
issue-1691	199	30	altering	alter	VERB
issue-1691	199	31	regulatory	regulatory	ADJ
issue-1691	199	32	requirements	requirement	NOUN
issue-1691	199	33	;	;	PUNCT
issue-1691	199	34	2	2	X
issue-1691	199	35	)	)	PUNCT
issue-1691	199	36	to	to	PART
issue-1691	199	37	prioritize	prioritize	VERB
issue-1691	199	38	the	the	DET
issue-1691	199	39	innovative	innovative	ADJ
issue-1691	199	40	activities	activity	NOUN
issue-1691	199	41	aimed	aim	VERB
issue-1691	199	42	to	to	PART
issue-1691	199	43	enhance	enhance	VERB
issue-1691	199	44	payment	payment	NOUN
issue-1691	199	45	and	and	CCONJ
issue-1691	199	46	auxiliary	auxiliary	ADJ
issue-1691	199	47	services	service	NOUN
issue-1691	199	48	,	,	PUNCT
issue-1691	199	49	electronic	electronic	ADJ
issue-1691	199	50	payment	payment	NOUN
issue-1691	199	51	system	system	NOUN
issue-1691	199	52	infrastructure	infrastructure	NOUN
issue-1691	199	53	,	,	PUNCT
issue-1691	199	54	risk	risk	NOUN
issue-1691	199	55	management	management	NOUN
issue-1691	199	56	tools	tool	NOUN
issue-1691	199	57	and	and	CCONJ
issue-1691	199	58	regtech	regtech	NOUN
issue-1691	199	59	;	;	PUNCT
issue-1691	199	60	4	4	NUM
issue-1691	199	61	)	)	PUNCT
issue-1691	199	62	to	to	PART
issue-1691	199	63	develop	develop	VERB
issue-1691	199	64	technological	technological	ADJ
issue-1691	199	65	systems	system	NOUN
issue-1691	199	66	to	to	PART
issue-1691	199	67	support	support	VERB
issue-1691	199	68	the	the	DET
issue-1691	199	69	development	development	NOUN
issue-1691	199	70	and	and	CCONJ
issue-1691	199	71	promotion	promotion	NOUN
issue-1691	199	72	of	of	ADP
issue-1691	199	73	large	large	ADJ
issue-1691	199	74	-	-	PUNCT
issue-1691	199	75	scale	scale	NOUN
issue-1691	199	76	innovations	innovation	NOUN
issue-1691	199	77	,	,	PUNCT
issue-1691	199	78	taking	take	VERB
issue-1691	199	79	into	into	ADP
issue-1691	199	80	account	account	NOUN
issue-1691	199	81	the	the	DET
issue-1691	199	82	specific	specific	ADJ
issue-1691	199	83	features	feature	NOUN
issue-1691	199	84	of	of	ADP
issue-1691	199	85	the	the	DET
issue-1691	199	86	industries	industry	NOUN
issue-1691	199	87	of	of	ADP
issue-1691	199	88	digital	digital	ADJ
issue-1691	199	89	economy	economy	NOUN
issue-1691	199	90	;	;	PUNCT
issue-1691	199	91	5	5	X
issue-1691	199	92	)	)	PUNCT
issue-1691	199	93	to	to	PART
issue-1691	199	94	determine	determine	VERB
issue-1691	199	95	possible	possible	ADJ
issue-1691	199	96	configurations	configuration	NOUN
issue-1691	199	97	of	of	ADP
issue-1691	199	98	the	the	DET
issue-1691	199	99	ecosystem	ecosystem	NOUN
issue-1691	199	100	of	of	ADP
issue-1691	199	101	eps	eps	PROPN
issue-1691	199	102	delivery	delivery	NOUN
issue-1691	199	103	in	in	ADP
issue-1691	199	104	relation	relation	NOUN
issue-1691	199	105	to	to	ADP
issue-1691	199	106	specific	specific	ADJ
issue-1691	199	107	industrial	industrial	ADJ
issue-1691	199	108	markets	market	NOUN
issue-1691	199	109	.	.	PUNCT
issue-1691	200	1	the	the	DET
issue-1691	200	2	specified	specify	VERB
issue-1691	200	3	areas	area	NOUN
issue-1691	200	4	to	to	PART
issue-1691	200	5	improve	improve	VERB
issue-1691	200	6	the	the	DET
issue-1691	200	7	economic	economic	ADJ
issue-1691	200	8	effectiveness	effectiveness	NOUN
issue-1691	200	9	of	of	ADP
issue-1691	200	10	eps	eps	PROPN
issue-1691	200	11	delivery	delivery	NOUN
issue-1691	200	12	are	be	AUX
issue-1691	200	13	a	a	DET
issue-1691	200	14	basis	basis	NOUN
issue-1691	200	15	for	for	ADP
issue-1691	200	16	the	the	DET
issue-1691	200	17	development	development	NOUN
issue-1691	200	18	of	of	ADP
issue-1691	200	19	government	government	NOUN
issue-1691	200	20	activities	activity	NOUN
issue-1691	200	21	to	to	PART
issue-1691	200	22	support	support	VERB
issue-1691	200	23	paytech	paytech	NOUN
issue-1691	200	24	companies	company	NOUN
issue-1691	200	25	(	(	PUNCT
issue-1691	200	26	table	table	NOUN
issue-1691	200	27	3	3	NUM
issue-1691	200	28	)	)	PUNCT
issue-1691	200	29	.	.	PUNCT
issue-1691	201	1	the	the	DET
issue-1691	201	2	proactive	proactive	ADJ
issue-1691	201	3	national	national	ADJ
issue-1691	201	4	position	position	NOUN
issue-1691	201	5	in	in	ADP
issue-1691	201	6	respect	respect	NOUN
issue-1691	201	7	of	of	ADP
issue-1691	201	8	the	the	DET
issue-1691	201	9	development	development	NOUN
issue-1691	201	10	of	of	ADP
issue-1691	201	11	electronic	electronic	ADJ
issue-1691	201	12	payment	payment	NOUN
issue-1691	201	13	systems	system	NOUN
issue-1691	201	14	will	will	AUX
issue-1691	201	15	enable	enable	VERB
issue-1691	201	16	to	to	PART
issue-1691	201	17	achieve	achieve	VERB
issue-1691	201	18	greater	great	ADJ
issue-1691	201	19	participation	participation	NOUN
issue-1691	201	20	in	in	ADP
issue-1691	201	21	the	the	DET
issue-1691	201	22	development	development	NOUN
issue-1691	201	23	of	of	ADP
issue-1691	201	24	this	this	DET
issue-1691	201	25	industry	industry	NOUN
issue-1691	201	26	and	and	CCONJ
issue-1691	201	27	create	create	VERB
issue-1691	201	28	integrated	integrate	VERB
issue-1691	201	29	structural	structural	ADJ
issue-1691	201	30	solutions	solution	NOUN
issue-1691	201	31	to	to	PART
issue-1691	201	32	regulate	regulate	VERB
issue-1691	201	33	it	it	PRON
issue-1691	201	34	,	,	PUNCT
issue-1691	201	35	which	which	PRON
issue-1691	201	36	is	be	AUX
issue-1691	201	37	required	require	VERB
issue-1691	201	38	to	to	PART
issue-1691	201	39	adapt	adapt	VERB
issue-1691	201	40	the	the	DET
issue-1691	201	41	existing	exist	VERB
issue-1691	201	42	systems	system	NOUN
issue-1691	201	43	of	of	ADP
issue-1691	201	44	government	government	NOUN
issue-1691	201	45	regulation	regulation	NOUN
issue-1691	201	46	,	,	PUNCT
issue-1691	201	47	encompassing	encompass	VERB
issue-1691	201	48	all	all	DET
issue-1691	201	49	its	its	PRON
issue-1691	201	50	components	component	NOUN
issue-1691	201	51	(	(	PUNCT
issue-1691	201	52	legal	legal	ADJ
issue-1691	201	53	basis	basis	NOUN
issue-1691	201	54	,	,	PUNCT
issue-1691	201	55	licensing	licensing	NOUN
issue-1691	201	56	,	,	PUNCT
issue-1691	201	57	overcoming	overcome	VERB
issue-1691	201	58	market	market	NOUN
issue-1691	201	59	"	"	PUNCT
issue-1691	201	60	gaps	gap	NOUN
issue-1691	201	61	"	"	PUNCT
issue-1691	201	62	,	,	PUNCT
issue-1691	201	63	elimination	elimination	NOUN
issue-1691	201	64	of	of	ADP
issue-1691	201	65	risks	risk	NOUN
issue-1691	201	66	,	,	PUNCT
issue-1691	201	67	etc	etc	X
issue-1691	201	68	.	.	X
issue-1691	201	69	)	)	PUNCT
issue-1691	201	70	.	.	PUNCT
issue-1691	202	1	in	in	ADP
issue-1691	202	2	terms	term	NOUN
issue-1691	202	3	of	of	ADP
issue-1691	202	4	the	the	DET
issue-1691	202	5	government	government	NOUN
issue-1691	202	6	support	support	NOUN
issue-1691	202	7	to	to	PART
issue-1691	202	8	enhance	enhance	VERB
issue-1691	202	9	the	the	DET
issue-1691	202	10	effectiveness	effectiveness	NOUN
issue-1691	202	11	of	of	ADP
issue-1691	202	12	eps	eps	PROPN
issue-1691	202	13	delivery	delivery	NOUN
issue-1691	202	14	,	,	PUNCT
issue-1691	202	15	it	it	PRON
issue-1691	202	16	is	be	AUX
issue-1691	202	17	proposed	propose	VERB
issue-1691	202	18	to	to	PART
issue-1691	202	19	focus	focus	VERB
issue-1691	202	20	on	on	ADP
issue-1691	202	21	the	the	DET
issue-1691	202	22	application	application	NOUN
issue-1691	202	23	of	of	ADP
issue-1691	202	24	regulatory	regulatory	ADJ
issue-1691	202	25	(	(	PUNCT
issue-1691	202	26	normative	normative	ADJ
issue-1691	202	27	)	)	PUNCT
issue-1691	202	28	"	"	PUNCT
issue-1691	202	29	sandboxes	sandbox	NOUN
issue-1691	202	30	"	"	PUNCT
issue-1691	202	31	,	,	PUNCT
issue-1691	202	32	development	development	NOUN
issue-1691	202	33	of	of	ADP
issue-1691	202	34	suptech	suptech	NOUN
issue-1691	202	35	(	(	PUNCT
issue-1691	202	36	the	the	DET
issue-1691	202	37	use	use	NOUN
issue-1691	202	38	of	of	ADP
issue-1691	202	39	technologies	technology	NOUN
issue-1691	202	40	by	by	ADP
issue-1691	202	41	the	the	DET
issue-1691	202	42	government	government	NOUN
issue-1691	202	43	for	for	ADP
issue-1691	202	44	supervisory	supervisory	ADJ
issue-1691	202	45	purposes	purpose	NOUN
issue-1691	202	46	)	)	PUNCT
issue-1691	202	47	and	and	CCONJ
issue-1691	202	48	regtech	regtech	NOUN
issue-1691	202	49	(	(	PUNCT
issue-1691	202	50	the	the	DET
issue-1691	202	51	use	use	NOUN
issue-1691	202	52	of	of	ADP
issue-1691	202	53	technologies	technology	NOUN
issue-1691	202	54	by	by	ADP
issue-1691	202	55	the	the	DET
issue-1691	202	56	government	government	NOUN
issue-1691	202	57	for	for	ADP
issue-1691	202	58	regulatory	regulatory	ADJ
issue-1691	202	59	purposes	purpose	NOUN
issue-1691	202	60	,	,	PUNCT
issue-1691	202	61	and	and	CCONJ
issue-1691	202	62	by	by	ADP
issue-1691	202	63	business	business	NOUN
issue-1691	202	64	–	–	PUNCT
issue-1691	202	65	to	to	PART
issue-1691	202	66	comply	comply	VERB
issue-1691	202	67	with	with	ADP
issue-1691	202	68	the	the	DET
issue-1691	202	69	requirements	requirement	NOUN
issue-1691	202	70	)	)	PUNCT
issue-1691	202	71	.	.	PUNCT
issue-1691	203	1	concerning	concern	VERB
issue-1691	203	2	the	the	DET
issue-1691	203	3	regulatory	regulatory	ADJ
issue-1691	203	4	"	"	PUNCT
issue-1691	203	5	sandboxes	sandbox	NOUN
issue-1691	203	6	"	"	PUNCT
issue-1691	203	7	,	,	PUNCT
issue-1691	203	8	the	the	DET
issue-1691	203	9	emphasis	emphasis	NOUN
issue-1691	203	10	should	should	AUX
issue-1691	203	11	be	be	AUX
issue-1691	203	12	laid	lay	VERB
issue-1691	203	13	on	on	ADP
issue-1691	203	14	the	the	DET
issue-1691	203	15	need	need	NOUN
issue-1691	203	16	to	to	PART
issue-1691	203	17	take	take	VERB
issue-1691	203	18	into	into	ADP
issue-1691	203	19	consideration	consideration	NOUN
issue-1691	203	20	not	not	PART
issue-1691	203	21	only	only	ADV
issue-1691	203	22	their	their	PRON
issue-1691	203	23	capabilities	capability	NOUN
issue-1691	203	24	and	and	CCONJ
issue-1691	203	25	advantages	advantage	NOUN
issue-1691	203	26	,	,	PUNCT
issue-1691	203	27	but	but	CCONJ
issue-1691	203	28	also	also	ADV
issue-1691	203	29	the	the	DET
issue-1691	203	30	defects	defect	NOUN
issue-1691	203	31	and	and	CCONJ
issue-1691	203	32	restrictions	restriction	NOUN
issue-1691	203	33	,	,	PUNCT
issue-1691	203	34	as	as	ADV
issue-1691	203	35	well	well	ADV
issue-1691	203	36	as	as	ADP
issue-1691	203	37	on	on	ADP
issue-1691	203	38	ensuring	ensure	VERB
issue-1691	203	39	their	their	PRON
issue-1691	203	40	special	special	ADJ
issue-1691	203	41	purpose	purpose	NOUN
issue-1691	203	42	in	in	ADP
issue-1691	203	43	some	some	DET
issue-1691	203	44	individual	individual	ADJ
issue-1691	203	45	cases	case	NOUN
issue-1691	203	46	.	.	PUNCT
issue-1691	204	1	in	in	ADP
issue-1691	204	2	particular	particular	ADJ
issue-1691	204	3	,	,	PUNCT
issue-1691	204	4	it	it	PRON
issue-1691	204	5	is	be	AUX
issue-1691	204	6	related	relate	VERB
issue-1691	204	7	to	to	ADP
issue-1691	204	8	fostering	foster	VERB
issue-1691	204	9	various	various	ADJ
issue-1691	204	10	innovations	innovation	NOUN
issue-1691	204	11	,	,	PUNCT
issue-1691	204	12	at	at	ADP
issue-1691	204	13	the	the	DET
issue-1691	204	14	same	same	ADJ
issue-1691	204	15	time	time	NOUN
issue-1691	204	16	,	,	PUNCT
issue-1691	204	17	searching	search	VERB
issue-1691	204	18	for	for	ADP
issue-1691	204	19	the	the	DET
issue-1691	204	20	new	new	ADJ
issue-1691	204	21	approaches	approach	NOUN
issue-1691	204	22	to	to	ADP
issue-1691	204	23	the	the	DET
issue-1691	204	24	regulation	regulation	NOUN
issue-1691	204	25	of	of	ADP
issue-1691	204	26	electronic	electronic	ADJ
issue-1691	204	27	payment	payment	NOUN
issue-1691	204	28	systems	system	NOUN
issue-1691	204	29	,	,	PUNCT
issue-1691	204	30	learning	learn	VERB
issue-1691	204	31	to	to	PART
issue-1691	204	32	minimize	minimize	VERB
issue-1691	204	33	potential	potential	ADJ
issue-1691	204	34	risks	risk	NOUN
issue-1691	204	35	(	(	PUNCT
issue-1691	204	36	especially	especially	ADV
issue-1691	204	37	those	those	PRON
issue-1691	204	38	related	relate	VERB
issue-1691	204	39	to	to	ADP
issue-1691	204	40	regulation	regulation	NOUN
issue-1691	204	41	)	)	PUNCT
issue-1691	204	42	,	,	PUNCT
issue-1691	204	43	and	and	CCONJ
issue-1691	204	44	ensuring	ensure	VERB
issue-1691	204	45	an	an	DET
issue-1691	204	46	introduction	introduction	NOUN
issue-1691	204	47	of	of	ADP
issue-1691	204	48	international	international	ADJ
issue-1691	204	49	standards	standard	NOUN
issue-1691	204	50	.	.	PUNCT
issue-1691	205	1	in	in	ADP
issue-1691	205	2	order	order	NOUN
issue-1691	205	3	to	to	PART
issue-1691	205	4	enhance	enhance	VERB
issue-1691	205	5	the	the	DET
issue-1691	205	6	innovative	innovative	ADJ
issue-1691	205	7	function	function	NOUN
issue-1691	205	8	of	of	ADP
issue-1691	205	9	regulatory	regulatory	ADJ
issue-1691	205	10	"	"	PUNCT
issue-1691	205	11	sandboxes	sandbox	NOUN
issue-1691	205	12	"	"	PUNCT
issue-1691	205	13	,	,	PUNCT
issue-1691	205	14	it	it	PRON
issue-1691	205	15	i	i	PROPN
issue-1691	205	16	d	d	PROPN
issue-1691	205	17	proposed	propose	VERB
issue-1691	205	18	:	:	PUNCT
issue-1691	205	19	to	to	PART
issue-1691	205	20	supplement	supplement	VERB
issue-1691	205	21	them	they	PRON
issue-1691	205	22	with	with	ADP
issue-1691	205	23	special	special	ADJ
issue-1691	205	24	modes	mode	NOUN
issue-1691	205	25	of	of	ADP
issue-1691	205	26	government	government	NOUN
issue-1691	205	27	support	support	NOUN
issue-1691	205	28	for	for	ADP
issue-1691	205	29	technological	technological	ADJ
issue-1691	205	30	innovations	innovation	NOUN
issue-1691	205	31	;	;	PUNCT
issue-1691	205	32	to	to	PART
issue-1691	205	33	establish	establish	VERB
issue-1691	205	34	communication	communication	NOUN
issue-1691	205	35	between	between	ADP
issue-1691	205	36	startups	startup	NOUN
issue-1691	205	37	in	in	ADP
issue-1691	205	38	paytech	paytech	NOUN
issue-1691	205	39	and	and	CCONJ
issue-1691	205	40	other	other	ADJ
issue-1691	205	41	areas	area	NOUN
issue-1691	205	42	of	of	ADP
issue-1691	205	43	fintech	fintech	NOUN
issue-1691	205	44	,	,	PUNCT
issue-1691	205	45	which	which	PRON
issue-1691	205	46	develop	develop	VERB
issue-1691	205	47	and	and	CCONJ
issue-1691	205	48	test	test	VERB
issue-1691	205	49	their	their	PRON
issue-1691	205	50	products	product	NOUN
issue-1691	205	51	,	,	PUNCT
issue-1691	205	52	as	as	ADV
issue-1691	205	53	well	well	ADV
issue-1691	205	54	as	as	ADP
issue-1691	205	55	communication	communication	NOUN
issue-1691	205	56	between	between	ADP
issue-1691	205	57	universities	university	NOUN
issue-1691	205	58	;	;	PUNCT
issue-1691	205	59	to	to	PART
issue-1691	205	60	create	create	VERB
issue-1691	205	61	technological	technological	ADJ
issue-1691	205	62	platform	platform	NOUN
issue-1691	205	63	and	and	CCONJ
issue-1691	205	64	knowledge	knowledge	NOUN
issue-1691	205	65	bases	basis	NOUN
issue-1691	205	66	aimed	aim	VERB
issue-1691	205	67	to	to	PART
issue-1691	205	68	create	create	VERB
issue-1691	205	69	innovations	innovation	NOUN
issue-1691	205	70	in	in	ADP
issue-1691	205	71	eps	eps	PROPN
issue-1691	205	72	sphere	sphere	NOUN
issue-1691	205	73	;	;	PUNCT
issue-1691	205	74	to	to	PART
issue-1691	205	75	provide	provide	VERB
issue-1691	205	76	additional	additional	ADJ
issue-1691	205	77	counseling	counseling	NOUN
issue-1691	205	78	and	and	CCONJ
issue-1691	205	79	training	training	NOUN
issue-1691	205	80	for	for	ADP
issue-1691	205	81	business	business	NOUN
issue-1691	205	82	.	.	PUNCT
issue-1691	206	1	government	government	NOUN
issue-1691	206	2	support	support	NOUN
issue-1691	206	3	through	through	ADP
issue-1691	206	4	the	the	DET
issue-1691	206	5	regulatory	regulatory	ADJ
issue-1691	206	6	"	"	PUNCT
issue-1691	206	7	sandboxes	sandbox	NOUN
issue-1691	206	8	"	"	PUNCT
issue-1691	206	9	should	should	AUX
issue-1691	206	10	be	be	AUX
issue-1691	206	11	supplemented	supplement	VERB
issue-1691	206	12	with	with	ADP
issue-1691	206	13	other	other	ADJ
issue-1691	206	14	kinds	kind	NOUN
issue-1691	206	15	of	of	ADP
issue-1691	206	16	benefits	benefit	NOUN
issue-1691	206	17	and	and	CCONJ
issue-1691	206	18	r&d	r&d	NOUN
issue-1691	206	19	support	support	NOUN
issue-1691	206	20	.	.	PUNCT
issue-1691	207	1	taking	take	VERB
issue-1691	207	2	into	into	ADP
issue-1691	207	3	account	account	NOUN
issue-1691	207	4	that	that	SCONJ
issue-1691	207	5	government	government	NOUN
issue-1691	207	6	regulation	regulation	NOUN
issue-1691	207	7	,	,	PUNCT
issue-1691	207	8	control	control	NOUN
issue-1691	207	9	and	and	CCONJ
issue-1691	207	10	standards	standard	NOUN
issue-1691	207	11	impose	impose	VERB
issue-1691	207	12	an	an	DET
issue-1691	207	13	additional	additional	ADJ
issue-1691	207	14	burden	burden	NOUN
issue-1691	207	15	on	on	ADP
issue-1691	207	16	business	business	NOUN
issue-1691	207	17	,	,	PUNCT
issue-1691	207	18	new	new	ADJ
issue-1691	207	19	means	mean	NOUN
issue-1691	207	20	to	to	PART
issue-1691	207	21	facilitate	facilitate	VERB
issue-1691	207	22	the	the	DET
issue-1691	207	23	collection	collection	NOUN
issue-1691	207	24	and	and	CCONJ
issue-1691	207	25	processing	processing	NOUN
issue-1691	207	26	of	of	ADP
issue-1691	207	27	normative	normative	ADJ
issue-1691	207	28	data	datum	NOUN
issue-1691	207	29	is	be	AUX
issue-1691	207	30	an	an	DET
issue-1691	207	31	economically	economically	ADV
issue-1691	207	32	reasonable	reasonable	ADJ
issue-1691	207	33	response	response	NOUN
issue-1691	207	34	to	to	ADP
issue-1691	207	35	the	the	DET
issue-1691	207	36	complication	complication	NOUN
issue-1691	207	37	of	of	ADP
issue-1691	207	38	regulatory	regulatory	ADJ
issue-1691	207	39	systems	system	NOUN
issue-1691	207	40	on	on	ADP
issue-1691	207	41	account	account	NOUN
issue-1691	207	42	of	of	ADP
issue-1691	207	43	the	the	DET
issue-1691	207	44	process	process	NOUN
issue-1691	207	45	automation	automation	NOUN
issue-1691	207	46	in	in	ADP
issue-1691	207	47	dif	dif	ADJ
issue-1691	207	48	ferent	ferent	NOUN
issue-1691	207	49	aspects	aspect	NOUN
issue-1691	207	50	(	(	PUNCT
issue-1691	207	51	report	report	NOUN
issue-1691	207	52	submission	submission	NOUN
issue-1691	207	53	,	,	PUNCT
issue-1691	207	54	transaction	transaction	NOUN
issue-1691	207	55	table	table	NOUN
issue-1691	207	56	3	3	NUM
issue-1691	207	57	possible	possible	ADJ
issue-1691	207	58	government	government	NOUN
issue-1691	207	59	activities	activity	NOUN
issue-1691	207	60	to	to	PART
issue-1691	207	61	support	support	VERB
issue-1691	207	62	paytech	paytech	NOUN
issue-1691	207	63	companies	company	NOUN
issue-1691	207	64	to	to	PART
issue-1691	207	65	improve	improve	VERB
issue-1691	207	66	the	the	DET
issue-1691	207	67	economic	economic	ADJ
issue-1691	207	68	effectiveness	effectiveness	NOUN
issue-1691	207	69	of	of	ADP
issue-1691	207	70	eps	eps	PROPN
issue-1691	207	71	delivery	delivery	NOUN
issue-1691	207	72	areas	area	NOUN
issue-1691	207	73	activities	activity	NOUN
issue-1691	207	74	impact	impact	NOUN
issue-1691	207	75	on	on	ADP
issue-1691	207	76	effectiveness	effectiveness	NOUN
issue-1691	207	77	1	1	NUM
issue-1691	207	78	.	.	PUNCT
issue-1691	207	79	development	development	NOUN
issue-1691	207	80	of	of	ADP
issue-1691	207	81	ecosystem	ecosystem	NOUN
issue-1691	207	82	of	of	ADP
issue-1691	207	83	eps	eps	PROPN
issue-1691	207	84	delivery	delivery	NOUN
issue-1691	207	85	supporting	support	VERB
issue-1691	207	86	the	the	DET
issue-1691	207	87	promotion	promotion	NOUN
issue-1691	207	88	o	o	X
issue-1691	207	89	digital	digital	ADJ
issue-1691	207	90	platforms	platform	NOUN
issue-1691	207	91	,	,	PUNCT
issue-1691	207	92	enhancing	enhance	VERB
issue-1691	207	93	the	the	DET
issue-1691	207	94	profitability	profitability	NOUN
issue-1691	207	95	of	of	ADP
issue-1691	207	96	auxiliary	auxiliary	ADJ
issue-1691	207	97	financial	financial	ADJ
issue-1691	207	98	and	and	CCONJ
issue-1691	207	99	information	information	NOUN
issue-1691	207	100	services	service	NOUN
issue-1691	207	101	;	;	PUNCT
issue-1691	207	102	development	development	NOUN
issue-1691	207	103	of	of	ADP
issue-1691	207	104	digital	digital	ADJ
issue-1691	207	105	infrastructure	infrastructure	NOUN
issue-1691	207	106	and	and	CCONJ
issue-1691	207	107	clusters	cluster	NOUN
issue-1691	207	108	for	for	ADP
issue-1691	207	109	paytech	paytech	NOUN
issue-1691	207	110	;	;	PUNCT
issue-1691	207	111	penetration	penetration	NOUN
issue-1691	207	112	to	to	ADP
issue-1691	207	113	the	the	DET
issue-1691	207	114	new	new	ADJ
issue-1691	207	115	markets	market	NOUN
issue-1691	207	116	;	;	PUNCT
issue-1691	207	117	expansion	expansion	NOUN
issue-1691	207	118	of	of	ADP
issue-1691	207	119	the	the	DET
issue-1691	207	120	sources	source	NOUN
issue-1691	207	121	of	of	ADP
issue-1691	207	122	obtaining	obtain	VERB
issue-1691	207	123	the	the	DET
issue-1691	207	124	profit	profit	NOUN
issue-1691	207	125	;	;	PUNCT
issue-1691	207	126	enhancing	enhance	VERB
issue-1691	207	127	the	the	DET
issue-1691	207	128	consumer	consumer	NOUN
issue-1691	207	129	service	service	NOUN
issue-1691	207	130	quality	quality	NOUN
issue-1691	207	131	;	;	PUNCT
issue-1691	207	132	sustainable	sustainable	ADJ
issue-1691	207	133	development	development	NOUN
issue-1691	207	134	of	of	ADP
issue-1691	207	135	enterprises	enterprise	NOUN
issue-1691	207	136	.	.	PUNCT
issue-1691	208	1	2	2	X
issue-1691	208	2	.	.	X
issue-1691	208	3	development	development	NOUN
issue-1691	208	4	of	of	ADP
issue-1691	208	5	innovations	innovation	NOUN
issue-1691	208	6	creation	creation	NOUN
issue-1691	208	7	of	of	ADP
issue-1691	208	8	the	the	DET
issue-1691	208	9	targeted	target	VERB
issue-1691	208	10	technological	technological	ADJ
issue-1691	208	11	platforms	platform	NOUN
issue-1691	208	12	;	;	PUNCT
issue-1691	208	13	publicprivate	publicprivate	PROPN
issue-1691	208	14	partnership	partnership	NOUN
issue-1691	208	15	for	for	ADP
issue-1691	208	16	the	the	DET
issue-1691	208	17	development	development	NOUN
issue-1691	208	18	of	of	ADP
issue-1691	208	19	innovations	innovation	NOUN
issue-1691	208	20	,	,	PUNCT
issue-1691	208	21	particularly	particularly	ADV
issue-1691	208	22	in	in	ADP
issue-1691	208	23	social	social	ADJ
issue-1691	208	24	sphere	sphere	NOUN
issue-1691	208	25	;	;	PUNCT
issue-1691	208	26	government	government	NOUN
issue-1691	208	27	grants	grant	NOUN
issue-1691	208	28	,	,	PUNCT
issue-1691	208	29	innovative	innovative	ADJ
issue-1691	208	30	patents	patent	NOUN
issue-1691	208	31	;	;	PUNCT
issue-1691	208	32	special	special	ADJ
issue-1691	208	33	platforms	platform	NOUN
issue-1691	208	34	for	for	ADP
issue-1691	208	35	startups	startup	NOUN
issue-1691	208	36	aimed	aim	VERB
issue-1691	208	37	to	to	PART
issue-1691	208	38	attract	attract	VERB
issue-1691	208	39	venture	venture	NOUN
issue-1691	208	40	investments	investment	NOUN
issue-1691	208	41	and	and	CCONJ
issue-1691	208	42	raise	raise	VERB
issue-1691	208	43	other	other	ADJ
issue-1691	208	44	funds	fund	NOUN
issue-1691	208	45	;	;	PUNCT
issue-1691	208	46	expansion	expansion	NOUN
issue-1691	208	47	of	of	ADP
issue-1691	208	48	the	the	DET
issue-1691	208	49	range	range	NOUN
issue-1691	208	50	of	of	ADP
issue-1691	208	51	services	service	NOUN
issue-1691	208	52	and	and	CCONJ
issue-1691	208	53	information	information	NOUN
issue-1691	208	54	services	service	NOUN
issue-1691	208	55	which	which	PRON
issue-1691	208	56	are	be	AUX
issue-1691	208	57	proposed	propose	VERB
issue-1691	208	58	;	;	PUNCT
issue-1691	208	59	advancement	advancement	NOUN
issue-1691	208	60	of	of	ADP
issue-1691	208	61	technological	technological	ADJ
issue-1691	208	62	base	base	NOUN
issue-1691	208	63	;	;	PUNCT
issue-1691	208	64	opening	open	VERB
issue-1691	208	65	new	new	ADJ
issue-1691	208	66	spheres	sphere	NOUN
issue-1691	208	67	of	of	ADP
issue-1691	208	68	activities	activity	NOUN
issue-1691	208	69	;	;	PUNCT
issue-1691	208	70	reduction	reduction	NOUN
issue-1691	208	71	of	of	ADP
issue-1691	208	72	costs	cost	NOUN
issue-1691	208	73	on	on	ADP
issue-1691	208	74	innovations	innovation	NOUN
issue-1691	208	75	and	and	CCONJ
issue-1691	208	76	an	an	DET
issue-1691	208	77	increase	increase	NOUN
issue-1691	208	78	in	in	ADP
issue-1691	208	79	the	the	DET
issue-1691	208	80	profitability	profitability	NOUN
issue-1691	208	81	of	of	ADP
issue-1691	208	82	activities	activity	NOUN
issue-1691	208	83	.	.	PUNCT
issue-1691	209	1	3	3	X
issue-1691	209	2	.	.	X
issue-1691	209	3	enhancing	enhance	VERB
issue-1691	209	4	the	the	DET
issue-1691	209	5	quality	quality	NOUN
issue-1691	209	6	of	of	ADP
issue-1691	209	7	risk	risk	NOUN
issue-1691	209	8	management	management	NOUN
issue-1691	209	9	supporting	support	VERB
issue-1691	209	10	the	the	DET
issue-1691	209	11	cooperation	cooperation	NOUN
issue-1691	209	12	in	in	ADP
issue-1691	209	13	the	the	DET
issue-1691	209	14	risk	risk	NOUN
issue-1691	209	15	management	management	NOUN
issue-1691	209	16	sphere	sphere	NOUN
issue-1691	209	17	;	;	PUNCT
issue-1691	209	18	promoting	promote	VERB
issue-1691	209	19	the	the	DET
issue-1691	209	20	development	development	NOUN
issue-1691	209	21	of	of	ADP
issue-1691	209	22	specific	specific	ADJ
issue-1691	209	23	technologies	technology	NOUN
issue-1691	209	24	and	and	CCONJ
issue-1691	209	25	software	software	NOUN
issue-1691	209	26	tool	tool	NOUN
issue-1691	209	27	;	;	PUNCT
issue-1691	209	28	sharing	share	VERB
issue-1691	209	29	data	datum	NOUN
issue-1691	209	30	on	on	ADP
issue-1691	209	31	frauds	fraud	NOUN
issue-1691	209	32	and	and	CCONJ
issue-1691	209	33	other	other	ADJ
issue-1691	209	34	risks	risk	NOUN
issue-1691	209	35	;	;	PUNCT
issue-1691	209	36	assistance	assistance	NOUN
issue-1691	209	37	in	in	ADP
issue-1691	209	38	introducing	introduce	VERB
issue-1691	209	39	international	international	ADJ
issue-1691	209	40	standards	standard	NOUN
issue-1691	209	41	in	in	ADP
issue-1691	209	42	the	the	DET
issue-1691	209	43	sphere	sphere	NOUN
issue-1691	209	44	of	of	ADP
issue-1691	209	45	risks	risk	NOUN
issue-1691	209	46	;	;	PUNCT
issue-1691	209	47	enhancing	enhance	VERB
issue-1691	209	48	the	the	DET
issue-1691	209	49	consumer	consumer	NOUN
issue-1691	209	50	service	service	NOUN
issue-1691	209	51	quality	quality	NOUN
issue-1691	209	52	;	;	PUNCT
issue-1691	209	53	reduction	reduction	NOUN
issue-1691	209	54	of	of	ADP
issue-1691	209	55	costs	cost	NOUN
issue-1691	209	56	and	and	CCONJ
issue-1691	209	57	losses	loss	NOUN
issue-1691	209	58	;	;	PUNCT
issue-1691	209	59	stability	stability	NOUN
issue-1691	209	60	of	of	ADP
issue-1691	209	61	obtaining	obtain	VERB
issue-1691	209	62	the	the	DET
issue-1691	209	63	profit	profit	NOUN
issue-1691	209	64	;	;	PUNCT
issue-1691	209	65	reduction	reduction	NOUN
issue-1691	209	66	of	of	ADP
issue-1691	209	67	costs	cost	NOUN
issue-1691	209	68	on	on	ADP
issue-1691	209	69	security	security	NOUN
issue-1691	209	70	;	;	PUNCT
issue-1691	209	71	expanding	expand	VERB
issue-1691	209	72	the	the	DET
issue-1691	209	73	opportunities	opportunity	NOUN
issue-1691	209	74	for	for	ADP
issue-1691	209	75	partnership	partnership	NOUN
issue-1691	209	76	.	.	PUNCT
issue-1691	210	1	source	source	NOUN
issue-1691	210	2	:	:	PUNCT
issue-1691	210	3	developed	develop	VERB
issue-1691	210	4	by	by	ADP
issue-1691	210	5	the	the	DET
issue-1691	210	6	authors	author	NOUN
issue-1691	210	7	baltic	baltic	PROPN
issue-1691	210	8	journal	journal	PROPN
issue-1691	210	9	of	of	ADP
issue-1691	210	10	economic	economic	ADJ
issue-1691	210	11	studies	study	NOUN
issue-1691	210	12	157	157	NUM
issue-1691	210	13	vol	vol	NOUN
issue-1691	210	14	.	.	PROPN
issue-1691	210	15	8	8	NUM
issue-1691	211	1	no	no	NOUN
issue-1691	211	2	.	.	NOUN
issue-1691	211	3	1	1	NUM
issue-1691	211	4	,	,	PUNCT
issue-1691	211	5	2022	2022	NUM
issue-1691	211	6	monitoring	monitoring	NOUN
issue-1691	211	7	,	,	PUNCT
issue-1691	211	8	compliance	compliance	NOUN
issue-1691	211	9	control	control	NOUN
issue-1691	211	10	,	,	PUNCT
issue-1691	211	11	audits	audits	NOUN
issue-1691	211	12	,	,	PUNCT
issue-1691	211	13	risk	risk	NOUN
issue-1691	211	14	management	management	NOUN
issue-1691	211	15	,	,	PUNCT
issue-1691	211	16	etc	etc	X
issue-1691	211	17	.	.	X
issue-1691	211	18	)	)	PUNCT
issue-1691	211	19	.	.	PUNCT
issue-1691	212	1	the	the	DET
issue-1691	212	2	advantages	advantage	NOUN
issue-1691	212	3	of	of	ADP
issue-1691	212	4	suptech	suptech	NOUN
issue-1691	212	5	and	and	CCONJ
issue-1691	212	6	regtech	regtech	NOUN
issue-1691	212	7	can	can	AUX
issue-1691	212	8	be	be	AUX
issue-1691	212	9	considered	consider	VERB
issue-1691	212	10	in	in	ADP
issue-1691	212	11	terms	term	NOUN
issue-1691	212	12	of	of	ADP
issue-1691	212	13	the	the	DET
issue-1691	212	14	government	government	NOUN
issue-1691	212	15	as	as	ADP
issue-1691	212	16	a	a	DET
issue-1691	212	17	tool	tool	NOUN
issue-1691	212	18	for	for	ADP
issue-1691	212	19	regulation	regulation	NOUN
issue-1691	212	20	,	,	PUNCT
issue-1691	212	21	and	and	CCONJ
issue-1691	212	22	in	in	ADP
issue-1691	212	23	terms	term	NOUN
issue-1691	212	24	of	of	ADP
issue-1691	212	25	business	business	NOUN
issue-1691	212	26	entities	entity	NOUN
issue-1691	212	27	–	–	PUNCT
issue-1691	212	28	as	as	ADP
issue-1691	212	29	a	a	DET
issue-1691	212	30	way	way	NOUN
issue-1691	212	31	to	to	PART
issue-1691	212	32	optimize	optimize	VERB
issue-1691	212	33	mandatory	mandatory	ADJ
issue-1691	212	34	processes	process	NOUN
issue-1691	212	35	.	.	PUNCT
issue-1691	213	1	it	it	PRON
issue-1691	213	2	is	be	AUX
issue-1691	213	3	critical	critical	ADJ
issue-1691	213	4	to	to	PART
issue-1691	213	5	expand	expand	VERB
issue-1691	213	6	the	the	DET
issue-1691	213	7	application	application	NOUN
issue-1691	213	8	of	of	ADP
issue-1691	213	9	suptech	suptech	NOUN
issue-1691	213	10	and	and	CCONJ
issue-1691	213	11	regtech	regtech	NOUN
issue-1691	213	12	in	in	ADP
issue-1691	213	13	this	this	DET
issue-1691	213	14	sphere	sphere	NOUN
issue-1691	213	15	as	as	ADV
issue-1691	213	16	well	well	ADV
issue-1691	213	17	as	as	ADP
issue-1691	213	18	:	:	PUNCT
issue-1691	213	19	1	1	NUM
issue-1691	213	20	)	)	PUNCT
issue-1691	213	21	to	to	PART
issue-1691	213	22	promote	promote	VERB
issue-1691	213	23	partnership	partnership	NOUN
issue-1691	213	24	between	between	ADP
issue-1691	213	25	business	business	NOUN
issue-1691	213	26	entities	entity	NOUN
issue-1691	213	27	and	and	CCONJ
issue-1691	213	28	government	government	NOUN
issue-1691	213	29	to	to	PART
issue-1691	213	30	advance	advance	VERB
issue-1691	213	31	such	such	ADJ
issue-1691	213	32	technologies	technology	NOUN
issue-1691	213	33	;	;	PUNCT
issue-1691	213	34	2	2	X
issue-1691	213	35	)	)	PUNCT
issue-1691	213	36	to	to	PART
issue-1691	213	37	facilitate	facilitate	VERB
issue-1691	213	38	innovation	innovation	NOUN
issue-1691	213	39	-	-	PUNCT
issue-1691	213	40	driven	drive	VERB
issue-1691	213	41	activities	activity	NOUN
issue-1691	213	42	of	of	ADP
issue-1691	213	43	business	business	NOUN
issue-1691	213	44	entities	entity	NOUN
issue-1691	213	45	related	relate	VERB
issue-1691	213	46	to	to	ADP
issue-1691	213	47	the	the	DET
issue-1691	213	48	creation	creation	NOUN
issue-1691	213	49	of	of	ADP
issue-1691	213	50	their	their	PRON
issue-1691	213	51	own	own	ADJ
issue-1691	213	52	regtech	regtech	NOUN
issue-1691	213	53	;	;	PUNCT
issue-1691	213	54	3	3	X
issue-1691	213	55	)	)	PUNCT
issue-1691	213	56	to	to	PART
issue-1691	213	57	preventively	preventively	ADV
issue-1691	213	58	create	create	VERB
issue-1691	213	59	suptech	suptech	NOUN
issue-1691	213	60	and	and	CCONJ
issue-1691	213	61	regtech	regtech	NOUN
issue-1691	213	62	for	for	ADP
issue-1691	213	63	the	the	DET
issue-1691	213	64	innovations	innovation	NOUN
issue-1691	213	65	promoted	promote	VERB
issue-1691	213	66	on	on	ADP
issue-1691	213	67	the	the	DET
issue-1691	213	68	market	market	NOUN
issue-1691	213	69	;	;	PUNCT
issue-1691	213	70	4	4	X
issue-1691	213	71	)	)	PUNCT
issue-1691	213	72	to	to	PART
issue-1691	213	73	create	create	VERB
issue-1691	213	74	conditions	condition	NOUN
issue-1691	213	75	for	for	ADP
issue-1691	213	76	easier	easy	ADJ
issue-1691	213	77	adaptation	adaptation	NOUN
issue-1691	213	78	by	by	ADP
issue-1691	213	79	business	business	NOUN
issue-1691	213	80	entities	entity	NOUN
issue-1691	213	81	of	of	ADP
issue-1691	213	82	national	national	ADJ
issue-1691	213	83	suptech	suptech	NOUN
issue-1691	213	84	and	and	CCONJ
issue-1691	213	85	regtech	regtech	NOUN
issue-1691	213	86	,	,	PUNCT
issue-1691	213	87	especially	especially	ADV
issue-1691	213	88	those	those	PRON
issue-1691	213	89	related	relate	VERB
issue-1691	213	90	to	to	ADP
issue-1691	213	91	the	the	DET
issue-1691	213	92	international	international	ADJ
issue-1691	213	93	standards	standard	NOUN
issue-1691	213	94	,	,	PUNCT
issue-1691	213	95	in	in	ADP
issue-1691	213	96	particular	particular	ADJ
issue-1691	213	97	on	on	ADP
issue-1691	213	98	account	account	NOUN
issue-1691	213	99	of	of	ADP
issue-1691	213	100	testing	testing	NOUN
issue-1691	213	101	modes	mode	NOUN
issue-1691	213	102	;	;	PUNCT
issue-1691	213	103	5	5	X
issue-1691	213	104	)	)	PUNCT
issue-1691	213	105	to	to	PART
issue-1691	213	106	disseminate	disseminate	VERB
issue-1691	213	107	the	the	DET
issue-1691	213	108	global	global	ADJ
issue-1691	213	109	and	and	CCONJ
issue-1691	213	110	national	national	ADJ
issue-1691	213	111	progressive	progressive	ADJ
issue-1691	213	112	experience	experience	NOUN
issue-1691	213	113	in	in	ADP
issue-1691	213	114	the	the	DET
issue-1691	213	115	use	use	NOUN
issue-1691	213	116	of	of	ADP
issue-1691	213	117	suptech	suptech	NOUN
issue-1691	213	118	and	and	CCONJ
issue-1691	213	119	regtech	regtech	NOUN
issue-1691	213	120	,	,	PUNCT
issue-1691	213	121	to	to	PART
issue-1691	213	122	facilitate	facilitate	VERB
issue-1691	213	123	the	the	DET
issue-1691	213	124	expansion	expansion	NOUN
issue-1691	213	125	of	of	ADP
issue-1691	213	126	best	good	ADJ
issue-1691	213	127	practices	practice	NOUN
issue-1691	213	128	and	and	CCONJ
issue-1691	213	129	training	training	NOUN
issue-1691	213	130	.	.	PUNCT
issue-1691	214	1	unleashing	unleash	VERB
issue-1691	214	2	the	the	DET
issue-1691	214	3	potential	potential	NOUN
issue-1691	214	4	of	of	ADP
issue-1691	214	5	electronic	electronic	ADJ
issue-1691	214	6	payment	payment	NOUN
issue-1691	214	7	systems	system	NOUN
issue-1691	214	8	in	in	ADP
issue-1691	214	9	the	the	DET
issue-1691	214	10	global	global	ADJ
issue-1691	214	11	digital	digital	ADJ
issue-1691	214	12	economy	economy	NOUN
issue-1691	214	13	is	be	AUX
issue-1691	214	14	impossible	impossible	ADJ
issue-1691	214	15	without	without	ADP
issue-1691	214	16	the	the	DET
issue-1691	214	17	promotion	promotion	NOUN
issue-1691	214	18	of	of	ADP
issue-1691	214	19	international	international	ADJ
issue-1691	214	20	suptech	suptech	NOUN
issue-1691	214	21	and	and	CCONJ
issue-1691	214	22	regtech	regtech	NOUN
issue-1691	214	23	,	,	PUNCT
issue-1691	214	24	as	as	ADV
issue-1691	214	25	well	well	ADV
issue-1691	214	26	as	as	ADP
issue-1691	214	27	enhanced	enhance	VERB
issue-1691	214	28	international	international	ADJ
issue-1691	214	29	cooperation	cooperation	NOUN
issue-1691	214	30	in	in	ADP
issue-1691	214	31	the	the	DET
issue-1691	214	32	area	area	NOUN
issue-1691	214	33	of	of	ADP
issue-1691	214	34	building	build	VERB
issue-1691	214	35	the	the	DET
issue-1691	214	36	institutional	institutional	ADJ
issue-1691	214	37	and	and	CCONJ
issue-1691	214	38	technical	technical	ADJ
issue-1691	214	39	infrastructure	infrastructure	NOUN
issue-1691	214	40	of	of	ADP
issue-1691	214	41	eps	eps	PROPN
issue-1691	214	42	delivery	delivery	NOUN
issue-1691	214	43	.	.	PUNCT
issue-1691	215	1	8	8	X
issue-1691	215	2	.	.	X
issue-1691	215	3	conclusion	conclusion	NOUN
issue-1691	215	4	digital	digital	ADJ
issue-1691	215	5	economy	economy	NOUN
issue-1691	215	6	turned	turn	VERB
issue-1691	215	7	to	to	PART
issue-1691	215	8	be	be	AUX
issue-1691	215	9	one	one	NUM
issue-1691	215	10	of	of	ADP
issue-1691	215	11	the	the	DET
issue-1691	215	12	key	key	ADJ
issue-1691	215	13	trends	trend	NOUN
issue-1691	215	14	in	in	ADP
issue-1691	215	15	social	social	ADJ
issue-1691	215	16	and	and	CCONJ
issue-1691	215	17	economic	economic	ADJ
issue-1691	215	18	transformations	transformation	NOUN
issue-1691	215	19	.	.	PUNCT
issue-1691	216	1	one	one	NUM
issue-1691	216	2	of	of	ADP
issue-1691	216	3	its	its	PRON
issue-1691	216	4	major	major	ADJ
issue-1691	216	5	trends	trend	NOUN
issue-1691	216	6	is	be	AUX
issue-1691	216	7	fintech	fintech	NOUN
issue-1691	216	8	,	,	PUNCT
issue-1691	216	9	which	which	PRON
issue-1691	216	10	encompassed	encompass	VERB
issue-1691	216	11	various	various	ADJ
issue-1691	216	12	financial	financial	ADJ
issue-1691	216	13	services	service	NOUN
issue-1691	216	14	,	,	PUNCT
issue-1691	216	15	payments	payment	NOUN
issue-1691	216	16	,	,	PUNCT
issue-1691	216	17	crediting	crediting	NOUN
issue-1691	216	18	,	,	PUNCT
issue-1691	216	19	etc	etc	X
issue-1691	216	20	.	.	X
issue-1691	217	1	the	the	DET
issue-1691	217	2	development	development	NOUN
issue-1691	217	3	of	of	ADP
issue-1691	217	4	electronic	electronic	ADJ
issue-1691	217	5	payment	payment	NOUN
issue-1691	217	6	systems	system	NOUN
issue-1691	217	7	,	,	PUNCT
issue-1691	217	8	which	which	PRON
issue-1691	217	9	create	create	VERB
issue-1691	217	10	the	the	DET
issue-1691	217	11	appropriate	appropriate	ADJ
issue-1691	217	12	infrastructure	infrastructure	NOUN
issue-1691	217	13	of	of	ADP
issue-1691	217	14	the	the	DET
issue-1691	217	15	global	global	ADJ
issue-1691	217	16	digital	digital	ADJ
issue-1691	217	17	economy	economy	NOUN
issue-1691	217	18	,	,	PUNCT
issue-1691	217	19	becomes	become	VERB
issue-1691	217	20	especially	especially	ADV
issue-1691	217	21	important	important	ADJ
issue-1691	217	22	for	for	ADP
issue-1691	217	23	е	е	NOUN
issue-1691	217	24	-	-	NOUN
issue-1691	217	25	commerce	commerce	NOUN
issue-1691	217	26	.	.	PUNCT
issue-1691	218	1	taking	take	VERB
issue-1691	218	2	into	into	ADP
issue-1691	218	3	account	account	NOUN
issue-1691	218	4	the	the	DET
issue-1691	218	5	increasing	increase	VERB
issue-1691	218	6	consumer	consumer	NOUN
issue-1691	218	7	demands	demand	NOUN
issue-1691	218	8	for	for	ADP
issue-1691	218	9	electronic	electronic	ADJ
issue-1691	218	10	payment	payment	NOUN
issue-1691	218	11	systems	system	NOUN
issue-1691	218	12	,	,	PUNCT
issue-1691	218	13	high	high	ADJ
issue-1691	218	14	level	level	NOUN
issue-1691	218	15	of	of	ADP
issue-1691	218	16	competition	competition	NOUN
issue-1691	218	17	and	and	CCONJ
issue-1691	218	18	regulatory	regulatory	ADJ
issue-1691	218	19	requirements	requirement	NOUN
issue-1691	218	20	,	,	PUNCT
issue-1691	218	21	the	the	DET
issue-1691	218	22	problem	problem	NOUN
issue-1691	218	23	of	of	ADP
issue-1691	218	24	improving	improve	VERB
issue-1691	218	25	the	the	DET
issue-1691	218	26	economic	economic	ADJ
issue-1691	218	27	effectiveness	effectiveness	NOUN
issue-1691	218	28	of	of	ADP
issue-1691	218	29	eps	eps	PROPN
issue-1691	218	30	delivery	delivery	NOUN
issue-1691	218	31	becomes	become	VERB
issue-1691	218	32	the	the	DET
issue-1691	218	33	most	most	ADV
issue-1691	218	34	critical	critical	ADJ
issue-1691	218	35	,	,	PUNCT
issue-1691	218	36	especially	especially	ADV
issue-1691	218	37	at	at	ADP
issue-1691	218	38	the	the	DET
issue-1691	218	39	international	international	ADJ
issue-1691	218	40	level	level	NOUN
issue-1691	218	41	.	.	PUNCT
issue-1691	219	1	from	from	ADP
issue-1691	219	2	the	the	DET
issue-1691	219	3	standpoint	standpoint	NOUN
issue-1691	219	4	of	of	ADP
issue-1691	219	5	the	the	DET
issue-1691	219	6	providers	provider	NOUN
issue-1691	219	7	,	,	PUNCT
issue-1691	219	8	three	three	NUM
issue-1691	219	9	strategic	strategic	ADJ
issue-1691	219	10	areas	area	NOUN
issue-1691	219	11	to	to	PART
issue-1691	219	12	improve	improve	VERB
issue-1691	219	13	the	the	DET
issue-1691	219	14	effectiveness	effectiveness	NOUN
issue-1691	219	15	of	of	ADP
issue-1691	219	16	eps	eps	PROPN
issue-1691	219	17	delivery	delivery	NOUN
issue-1691	219	18	have	have	AUX
issue-1691	219	19	been	be	AUX
issue-1691	219	20	identified	identify	VERB
issue-1691	219	21	:	:	PUNCT
issue-1691	219	22	enhancing	enhance	VERB
issue-1691	219	23	risk	risk	NOUN
issue-1691	219	24	management	management	NOUN
issue-1691	219	25	quality	quality	NOUN
issue-1691	219	26	;	;	PUNCT
issue-1691	219	27	development	development	NOUN
issue-1691	219	28	of	of	ADP
issue-1691	219	29	innovations	innovation	NOUN
issue-1691	219	30	;	;	PUNCT
issue-1691	219	31	development	development	NOUN
issue-1691	219	32	of	of	ADP
issue-1691	219	33	the	the	DET
issue-1691	219	34	ecosystem	ecosystem	NOUN
issue-1691	219	35	of	of	ADP
issue-1691	219	36	eps	eps	PROPN
issue-1691	219	37	delivery	delivery	NOUN
issue-1691	219	38	.	.	PUNCT
issue-1691	220	1	all	all	PRON
issue-1691	220	2	of	of	ADP
issue-1691	220	3	them	they	PRON
issue-1691	220	4	are	be	AUX
issue-1691	220	5	closely	closely	ADV
issue-1691	220	6	related	relate	VERB
issue-1691	220	7	to	to	ADP
issue-1691	220	8	the	the	DET
issue-1691	220	9	company	company	NOUN
issue-1691	220	10	development	development	NOUN
issue-1691	220	11	strategy	strategy	NOUN
issue-1691	220	12	and	and	CCONJ
issue-1691	220	13	marketing	marketing	NOUN
issue-1691	220	14	,	,	PUNCT
issue-1691	220	15	which	which	PRON
issue-1691	220	16	acquires	acquire	VERB
issue-1691	220	17	new	new	ADJ
issue-1691	220	18	social	social	ADJ
issue-1691	220	19	and	and	CCONJ
issue-1691	220	20	economic	economic	ADJ
issue-1691	220	21	quality	quality	NOUN
issue-1691	220	22	.	.	PUNCT
issue-1691	221	1	while	while	SCONJ
issue-1691	221	2	implementing	implement	VERB
issue-1691	221	3	the	the	DET
issue-1691	221	4	abovementioned	abovementioned	ADJ
issue-1691	221	5	areas	area	NOUN
issue-1691	221	6	,	,	PUNCT
issue-1691	221	7	its	its	PRON
issue-1691	221	8	relation	relation	NOUN
issue-1691	221	9	to	to	ADP
issue-1691	221	10	the	the	DET
issue-1691	221	11	development	development	NOUN
issue-1691	221	12	of	of	ADP
issue-1691	221	13	other	other	ADJ
issue-1691	221	14	spheres	sphere	NOUN
issue-1691	221	15	of	of	ADP
issue-1691	221	16	digital	digital	ADJ
issue-1691	221	17	economy	economy	NOUN
issue-1691	221	18	and	and	CCONJ
issue-1691	221	19	fintech	fintech	NOUN
issue-1691	221	20	should	should	AUX
issue-1691	221	21	be	be	AUX
issue-1691	221	22	taken	take	VERB
issue-1691	221	23	into	into	ADP
issue-1691	221	24	consideration	consideration	NOUN
issue-1691	221	25	,	,	PUNCT
issue-1691	221	26	in	in	ADP
issue-1691	221	27	particular	particular	ADJ
issue-1691	221	28	in	in	ADP
issue-1691	221	29	terms	term	NOUN
issue-1691	221	30	of	of	ADP
issue-1691	221	31	potential	potential	ADJ
issue-1691	221	32	risks	risk	NOUN
issue-1691	221	33	and	and	CCONJ
issue-1691	221	34	priorities	priority	NOUN
issue-1691	221	35	for	for	ADP
issue-1691	221	36	innovations	innovation	NOUN
issue-1691	221	37	.	.	PUNCT
issue-1691	222	1	it	it	PRON
issue-1691	222	2	also	also	ADV
issue-1691	222	3	enables	enable	VERB
issue-1691	222	4	to	to	PART
issue-1691	222	5	determine	determine	VERB
issue-1691	222	6	special	special	ADJ
issue-1691	222	7	government	government	NOUN
issue-1691	222	8	support	support	NOUN
issue-1691	222	9	activities	activity	NOUN
issue-1691	222	10	for	for	ADP
issue-1691	222	11	payteсh	payteсh	ADJ
issue-1691	222	12	companies	company	NOUN
issue-1691	222	13	.	.	PUNCT
issue-1691	223	1	in	in	ADP
issue-1691	223	2	terms	term	NOUN
issue-1691	223	3	of	of	ADP
issue-1691	223	4	the	the	DET
issue-1691	223	5	effectiveness	effectiveness	NOUN
issue-1691	223	6	of	of	ADP
issue-1691	223	7	eps	eps	PROPN
issue-1691	223	8	delivery	delivery	NOUN
issue-1691	223	9	,	,	PUNCT
issue-1691	223	10	it	it	PRON
issue-1691	223	11	is	be	AUX
issue-1691	223	12	proposed	propose	VERB
issue-1691	223	13	to	to	PART
issue-1691	223	14	focus	focus	VERB
issue-1691	223	15	on	on	ADP
issue-1691	223	16	the	the	DET
issue-1691	223	17	application	application	NOUN
issue-1691	223	18	of	of	ADP
issue-1691	223	19	regulatory	regulatory	ADJ
issue-1691	223	20	"	"	PUNCT
issue-1691	223	21	sandboxes	sandbox	NOUN
issue-1691	223	22	"	"	PUNCT
issue-1691	223	23	,	,	PUNCT
issue-1691	223	24	development	development	NOUN
issue-1691	223	25	of	of	ADP
issue-1691	223	26	suptech	suptech	NOUN
issue-1691	223	27	and	and	CCONJ
issue-1691	223	28	regtech	regtech	PROPN
issue-1691	223	29	,	,	PUNCT
issue-1691	223	30	the	the	DET
issue-1691	223	31	importance	importance	NOUN
issue-1691	223	32	of	of	ADP
issue-1691	223	33	which	which	PRON
issue-1691	223	34	is	be	AUX
issue-1691	223	35	expected	expect	VERB
issue-1691	223	36	to	to	PART
issue-1691	223	37	be	be	AUX
issue-1691	223	38	studied	study	VERB
issue-1691	223	39	in	in	ADP
issue-1691	223	40	the	the	DET
issue-1691	223	41	future	future	ADJ
issue-1691	223	42	papers	paper	NOUN
issue-1691	223	43	.	.	PUNCT
issue-1691	224	1	references	reference	NOUN
issue-1691	224	2	:	:	PUNCT
issue-1691	224	3	milian	milian	PROPN
issue-1691	224	4	,	,	PUNCT
issue-1691	224	5	e.	e.	PROPN
issue-1691	224	6	z.	z.	PROPN
issue-1691	224	7	,	,	PUNCT
issue-1691	224	8	spinola	spinola	PROPN
issue-1691	224	9	,	,	PUNCT
issue-1691	224	10	m.	m.	NOUN
issue-1691	224	11	de	de	PROPN
issue-1691	224	12	.	.	PROPN
issue-1691	224	13	m.	m.	NOUN
issue-1691	224	14	,	,	PUNCT
issue-1691	224	15	&	&	CCONJ
issue-1691	224	16	de	de	PROPN
issue-1691	224	17	carvalho	carvalho	PROPN
issue-1691	224	18	,	,	PUNCT
issue-1691	224	19	m.	m.	NOUN
issue-1691	224	20	m.	m.	NOUN
issue-1691	224	21	(	(	PUNCT
issue-1691	224	22	2019	2019	NUM
issue-1691	224	23	)	)	PUNCT
issue-1691	224	24	.	.	PUNCT
issue-1691	225	1	fintechs	fintech	NOUN
issue-1691	225	2	:	:	PUNCT
issue-1691	225	3	a	a	DET
issue-1691	225	4	literature	literature	NOUN
issue-1691	225	5	review	review	NOUN
issue-1691	225	6	and	and	CCONJ
issue-1691	225	7	research	research	NOUN
issue-1691	225	8	agenda	agenda	NOUN
issue-1691	225	9	.	.	PUNCT
issue-1691	226	1	applications	application	NOUN
issue-1691	226	2	,	,	PUNCT
issue-1691	226	3	34	34	NUM
issue-1691	226	4	,	,	PUNCT
issue-1691	226	5	article	article	NOUN
issue-1691	226	6	100833	100833	NUM
issue-1691	226	7	.	.	PUNCT
issue-1691	227	1	doi	doi	NOUN
issue-1691	227	2	:	:	PUNCT
issue-1691	227	3	https://doi.org/10.1016/j.elerap.2019.100833	https://doi.org/10.1016/j.elerap.2019.100833	NOUN
issue-1691	227	4	zekos	zekos	PROPN
issue-1691	227	5	,	,	PUNCT
issue-1691	227	6	g.	g.	PROPN
issue-1691	227	7	i.	i.	PROPN
issue-1691	227	8	(	(	PUNCT
issue-1691	227	9	2021	2021	NUM
issue-1691	227	10	)	)	PUNCT
issue-1691	228	1	e	e	NOUN
issue-1691	228	2	-	-	NOUN
issue-1691	228	3	globalization	globalization	NOUN
issue-1691	228	4	and	and	CCONJ
issue-1691	228	5	digital	digital	ADJ
issue-1691	228	6	economy	economy	NOUN
issue-1691	228	7	.	.	PUNCT
issue-1691	229	1	in	in	ADP
issue-1691	229	2	:	:	PUNCT
issue-1691	229	3	economics	economic	NOUN
issue-1691	229	4	and	and	CCONJ
issue-1691	229	5	law	law	NOUN
issue-1691	229	6	of	of	ADP
issue-1691	229	7	artificial	artificial	ADJ
issue-1691	229	8	intelligence	intelligence	NOUN
issue-1691	229	9	(	(	PUNCT
issue-1691	229	10	pp	pp	ADJ
issue-1691	229	11	.	.	PUNCT
issue-1691	229	12	13–66	13–66	NUM
issue-1691	229	13	)	)	PUNCT
issue-1691	229	14	.	.	PUNCT
issue-1691	230	1	springer	springer	NOUN
issue-1691	230	2	,	,	PUNCT
issue-1691	230	3	cham	cham	PROPN
issue-1691	230	4	.	.	PUNCT
issue-1691	231	1	doi	doi	PROPN
issue-1691	231	2	:	:	PUNCT
issue-1691	231	3	https://doi.org/10.1007/978-3-030-64254-9_2	https://doi.org/10.1007/978-3-030-64254-9_2	INTJ
issue-1691	231	4	hill	hill	PROPN
issue-1691	231	5	,	,	PUNCT
issue-1691	231	6	j.	j.	PROPN
issue-1691	231	7	(	(	PUNCT
issue-1691	231	8	2018	2018	NUM
issue-1691	231	9	)	)	PUNCT
issue-1691	231	10	.	.	PUNCT
issue-1691	232	1	chapter	chapter	NOUN
issue-1691	232	2	14	14	NUM
issue-1691	232	3	–	–	PUNCT
issue-1691	232	4	fintech	fintech	NOUN
issue-1691	232	5	in	in	ADP
issue-1691	232	6	a	a	DET
issue-1691	232	7	global	global	ADJ
issue-1691	232	8	setting	setting	NOUN
issue-1691	232	9	.	.	PUNCT
issue-1691	233	1	in	in	ADP
issue-1691	233	2	:	:	PUNCT
issue-1691	233	3	fintech	fintech	NOUN
issue-1691	233	4	and	and	CCONJ
issue-1691	233	5	the	the	DET
issue-1691	233	6	remaking	remaking	NOUN
issue-1691	233	7	of	of	ADP
issue-1691	233	8	financial	financial	ADJ
issue-1691	233	9	institutions	institution	NOUN
issue-1691	233	10	(	(	PUNCT
issue-1691	233	11	pp	pp	ADJ
issue-1691	233	12	.	.	PUNCT
issue-1691	234	1	269–283	269–283	NUM
issue-1691	234	2	)	)	PUNCT
issue-1691	234	3	.	.	PUNCT
issue-1691	235	1	academic	academic	ADJ
issue-1691	235	2	press	press	NOUN
issue-1691	235	3	,	,	PUNCT
issue-1691	236	1	elsevier	elsevier	PROPN
issue-1691	236	2	inc	inc	PROPN
issue-1691	236	3	.	.	PROPN
issue-1691	236	4	doi	doi	PROPN
issue-1691	236	5	:	:	PUNCT
issue-1691	236	6	https://doi.org/10.1016/b978-0-12-813497-9.00014-7	https://doi.org/10.1016/b978-0-12-813497-9.00014-7	PROPN
issue-1691	236	7	manta	manta	NOUN
issue-1691	236	8	,	,	PUNCT
issue-1691	236	9	o.	o.	NOUN
issue-1691	236	10	p.	p.	NOUN
issue-1691	236	11	(	(	PUNCT
issue-1691	236	12	2021	2021	NUM
issue-1691	236	13	)	)	PUNCT
issue-1691	236	14	.	.	PUNCT
issue-1691	237	1	financial	financial	ADJ
issue-1691	237	2	technologies	technology	NOUN
issue-1691	237	3	(	(	PUNCT
issue-1691	237	4	fintech	fintech	NOUN
issue-1691	237	5	)	)	PUNCT
issue-1691	237	6	,	,	PUNCT
issue-1691	237	7	instruments	instrument	NOUN
issue-1691	237	8	,	,	PUNCT
issue-1691	237	9	mechanisms	mechanism	NOUN
issue-1691	237	10	,	,	PUNCT
issue-1691	237	11	and	and	CCONJ
issue-1691	237	12	financial	financial	ADJ
issue-1691	237	13	products	product	NOUN
issue-1691	237	14	in	in	ADP
issue-1691	237	15	the	the	DET
issue-1691	237	16	current	current	ADJ
issue-1691	237	17	context	context	NOUN
issue-1691	237	18	of	of	ADP
issue-1691	237	19	artificial	artificial	ADJ
issue-1691	237	20	intelligence	intelligence	NOUN
issue-1691	237	21	and	and	CCONJ
issue-1691	237	22	globalization	globalization	NOUN
issue-1691	237	23	/	/	PUNCT
issue-1691	237	24	in	in	ADP
issue-1691	237	25	:	:	PUNCT
issue-1691	237	26	y.	y.	NOUN
issue-1691	237	27	a.	a.	NOUN
issue-1691	237	28	albastaki	albastaki	PROPN
issue-1691	237	29	,	,	PUNCT
issue-1691	237	30	a.	a.	NOUN
issue-1691	237	31	razzaque	razzaque	NOUN
issue-1691	237	32	,	,	PUNCT
issue-1691	237	33	a.	a.	PROPN
issue-1691	237	34	m.	m.	PROPN
issue-1691	237	35	sarea	sarea	PROPN
issue-1691	237	36	(	(	PUNCT
issue-1691	237	37	eds	eds	PROPN
issue-1691	237	38	.	.	PUNCT
issue-1691	237	39	)	)	PUNCT
issue-1691	237	40	,	,	PUNCT
issue-1691	237	41	innovative	innovative	ADJ
issue-1691	237	42	strategies	strategy	NOUN
issue-1691	237	43	for	for	ADP
issue-1691	237	44	implementing	implement	VERB
issue-1691	237	45	fintech	fintech	NOUN
issue-1691	237	46	in	in	ADP
issue-1691	237	47	banking	banking	NOUN
issue-1691	237	48	(	(	PUNCT
issue-1691	237	49	pp	pp	ADP
issue-1691	237	50	.	.	PUNCT
issue-1691	237	51	 	 	SPACE
issue-1691	237	52	22–45	22–45	NUM
issue-1691	237	53	)	)	PUNCT
issue-1691	237	54	.	.	PUNCT
issue-1691	238	1	doi	doi	NOUN
issue-1691	238	2	:	:	PUNCT
issue-1691	238	3	https://doi.org/10.4018/9781-7998-3257-7.ch002	https://doi.org/10.4018/9781-7998-3257-7.ch002	X
issue-1691	238	4	schueffel	schueffel	NOUN
issue-1691	238	5	,	,	PUNCT
issue-1691	238	6	p.	p.	NOUN
issue-1691	238	7	(	(	PUNCT
issue-1691	238	8	2016	2016	NUM
issue-1691	238	9	)	)	PUNCT
issue-1691	238	10	.	.	PUNCT
issue-1691	239	1	taming	tame	VERB
issue-1691	239	2	the	the	DET
issue-1691	239	3	beast	beast	NOUN
issue-1691	239	4	:	:	PUNCT
issue-1691	239	5	a	a	DET
issue-1691	239	6	scientific	scientific	ADJ
issue-1691	239	7	definition	definition	NOUN
issue-1691	239	8	of	of	ADP
issue-1691	239	9	fintech	fintech	NOUN
issue-1691	239	10	.	.	PUNCT
issue-1691	240	1	journal	journal	PROPN
issue-1691	240	2	of	of	ADP
issue-1691	240	3	innovation	innovation	NOUN
issue-1691	240	4	management	management	NOUN
issue-1691	240	5	,	,	PUNCT
issue-1691	240	6	4	4	NUM
issue-1691	240	7	,	,	PUNCT
issue-1691	240	8	32–54	32–54	NUM
issue-1691	240	9	.	.	PUNCT
issue-1691	241	1	doi	doi	NOUN
issue-1691	241	2	:	:	PUNCT
issue-1691	241	3	https://doi.org/10.2139/ssrn.3097312	https://doi.org/10.2139/ssrn.3097312	PROPN
issue-1691	241	4	knewtson	knewtson	PROPN
issue-1691	241	5	,	,	PUNCT
issue-1691	241	6	h.	h.	PROPN
issue-1691	241	7	,	,	PUNCT
issue-1691	241	8	&	&	CCONJ
issue-1691	241	9	rosenbaum	rosenbaum	PROPN
issue-1691	241	10	,	,	PUNCT
issue-1691	241	11	z.	z.	PROPN
issue-1691	241	12	a.	a.	PROPN
issue-1691	241	13	(	(	PUNCT
issue-1691	241	14	2020	2020	NUM
issue-1691	241	15	)	)	PUNCT
issue-1691	241	16	.	.	PUNCT
issue-1691	242	1	toward	toward	ADP
issue-1691	242	2	understanding	understand	VERB
issue-1691	242	3	fintech	fintech	NOUN
issue-1691	242	4	and	and	CCONJ
issue-1691	242	5	its	its	PRON
issue-1691	242	6	industry	industry	NOUN
issue-1691	242	7	.	.	PUNCT
issue-1691	243	1	managerial	managerial	ADJ
issue-1691	243	2	finance	finance	NOUN
issue-1691	243	3	,	,	PUNCT
issue-1691	243	4	46(8	46(8	NOUN
issue-1691	243	5	)	)	PUNCT
issue-1691	243	6	,	,	PUNCT
issue-1691	243	7	1043–1060	1043–1060	NUM
issue-1691	243	8	.	.	PUNCT
issue-1691	244	1	doi	doi	NOUN
issue-1691	244	2	:	:	PUNCT
issue-1691	244	3	http://doi.org/10.1108/mf-01-2020-0024	http://doi.org/10.1108/mf-01-2020-0024	NOUN
issue-1691	244	4	bollaert	bollaert	PROPN
issue-1691	244	5	,	,	PUNCT
issue-1691	244	6	h.	h.	PROPN
issue-1691	244	7	,	,	PUNCT
issue-1691	244	8	lopez	lopez	NOUN
issue-1691	244	9	-	-	PUNCT
issue-1691	244	10	de	de	NOUN
issue-1691	244	11	-	-	NOUN
issue-1691	244	12	silanes	silanes	PROPN
issue-1691	244	13	,	,	PUNCT
issue-1691	244	14	f.	f.	PROPN
issue-1691	244	15	,	,	PUNCT
issue-1691	244	16	&	&	CCONJ
issue-1691	244	17	schwienbacher	schwienbacher	PROPN
issue-1691	244	18	,	,	PUNCT
issue-1691	244	19	a.	a.	NOUN
issue-1691	244	20	(	(	PUNCT
issue-1691	244	21	2021	2021	NUM
issue-1691	244	22	)	)	PUNCT
issue-1691	244	23	.	.	PUNCT
issue-1691	245	1	fintech	fintech	NOUN
issue-1691	245	2	and	and	CCONJ
issue-1691	245	3	access	access	NOUN
issue-1691	245	4	to	to	ADP
issue-1691	245	5	finance	finance	NOUN
issue-1691	245	6	.	.	PUNCT
issue-1691	246	1	journal	journal	NOUN
issue-1691	246	2	of	of	ADP
issue-1691	246	3	corporate	corporate	ADJ
issue-1691	246	4	finance	finance	NOUN
issue-1691	246	5	,	,	PUNCT
issue-1691	246	6	68	68	NUM
issue-1691	246	7	,	,	PUNCT
issue-1691	246	8	article	article	NOUN
issue-1691	246	9	101941	101941	NUM
issue-1691	246	10	.	.	PUNCT
issue-1691	247	1	doi	doi	NOUN
issue-1691	247	2	:	:	PUNCT
issue-1691	247	3	https://doi.org/10.1016/j.jcorpfin.2021.101941	https://doi.org/10.1016/j.jcorpfin.2021.101941	PROPN
issue-1691	247	4	hill	hill	PROPN
issue-1691	247	5	,	,	PUNCT
issue-1691	247	6	j.	j.	PROPN
issue-1691	247	7	(	(	PUNCT
issue-1691	247	8	2018	2018	NUM
issue-1691	247	9	)	)	PUNCT
issue-1691	247	10	.	.	PUNCT
issue-1691	248	1	chapter	chapter	NOUN
issue-1691	248	2	17	17	NUM
issue-1691	248	3	–	–	PUNCT
issue-1691	248	4	they	they	PRON
issue-1691	248	5	are	be	AUX
issue-1691	248	6	not	not	PART
issue-1691	248	7	dead	dead	ADJ
issue-1691	248	8	yet	yet	ADV
issue-1691	248	9	:	:	PUNCT
issue-1691	248	10	how	how	SCONJ
issue-1691	248	11	big	big	ADJ
issue-1691	248	12	financial	financial	ADJ
issue-1691	248	13	institutions	institution	NOUN
issue-1691	248	14	will	will	AUX
issue-1691	248	15	work	work	VERB
issue-1691	248	16	with	with	ADP
issue-1691	248	17	fintech	fintech	NOUN
issue-1691	248	18	startups	startup	NOUN
issue-1691	248	19	to	to	PART
issue-1691	248	20	define	define	VERB
issue-1691	248	21	the	the	DET
issue-1691	248	22	market	market	NOUN
issue-1691	248	23	structure	structure	NOUN
issue-1691	248	24	of	of	ADP
issue-1691	248	25	the	the	DET
issue-1691	248	26	future	future	NOUN
issue-1691	248	27	.	.	PUNCT
issue-1691	249	1	in	in	ADP
issue-1691	249	2	:	:	PUNCT
issue-1691	249	3	fintech	fintech	NOUN
issue-1691	249	4	and	and	CCONJ
issue-1691	249	5	the	the	DET
issue-1691	249	6	remaking	remaking	NOUN
issue-1691	249	7	of	of	ADP
issue-1691	249	8	financial	financial	ADJ
issue-1691	249	9	institutions	institution	NOUN
issue-1691	249	10	(	(	PUNCT
issue-1691	249	11	pp	pp	ADJ
issue-1691	249	12	.	.	PUNCT
issue-1691	249	13	331–351	331–351	NUM
issue-1691	249	14	)	)	PUNCT
issue-1691	249	15	.	.	PUNCT
issue-1691	250	1	academic	academic	ADJ
issue-1691	250	2	press	press	NOUN
issue-1691	250	3	,	,	PUNCT
issue-1691	251	1	elsevier	elsevier	PROPN
issue-1691	251	2	inc	inc	PROPN
issue-1691	251	3	.	.	PROPN
issue-1691	251	4	doi	doi	PROPN
issue-1691	251	5	:	:	PUNCT
issue-1691	251	6	https://doi.org/10.1016/b978-0-12-813497-9.00017-2	https://doi.org/10.1016/b978-0-12-813497-9.00017-2	PROPN
issue-1691	251	7	wang	wang	PROPN
issue-1691	251	8	,	,	PUNCT
issue-1691	251	9	y.	y.	PROPN
issue-1691	251	10	,	,	PUNCT
issue-1691	251	11	xiuping	xiuping	PROPN
issue-1691	251	12	,	,	PUNCT
issue-1691	251	13	s.	s.	PROPN
issue-1691	251	14	,	,	PUNCT
issue-1691	251	15	&	&	CCONJ
issue-1691	251	16	zhang	zhang	PROPN
issue-1691	251	17	,	,	PUNCT
issue-1691	251	18	q.	q.	PROPN
issue-1691	251	19	(	(	PUNCT
issue-1691	251	20	2021	2021	NUM
issue-1691	251	21	)	)	PUNCT
issue-1691	251	22	.	.	PUNCT
issue-1691	252	1	can	can	AUX
issue-1691	252	2	fintech	fintech	NOUN
issue-1691	252	3	improve	improve	VERB
issue-1691	252	4	the	the	DET
issue-1691	252	5	efficiency	efficiency	NOUN
issue-1691	252	6	of	of	ADP
issue-1691	252	7	commercial	commercial	ADJ
issue-1691	252	8	banks	bank	NOUN
issue-1691	252	9	?	?	PUNCT
issue-1691	253	1	–	–	PUNCT
issue-1691	253	2	an	an	DET
issue-1691	253	3	analysis	analysis	NOUN
issue-1691	253	4	based	base	VERB
issue-1691	253	5	on	on	ADP
issue-1691	253	6	big	big	ADJ
issue-1691	253	7	data	datum	NOUN
issue-1691	253	8	.	.	PUNCT
issue-1691	254	1	research	research	NOUN
issue-1691	254	2	in	in	ADP
issue-1691	254	3	international	international	ADJ
issue-1691	254	4	business	business	NOUN
issue-1691	254	5	and	and	CCONJ
issue-1691	254	6	finance	finance	NOUN
issue-1691	254	7	,	,	PUNCT
issue-1691	254	8	55	55	NUM
issue-1691	254	9	,	,	PUNCT
issue-1691	254	10	article	article	NOUN
issue-1691	254	11	101338	101338	NUM
issue-1691	254	12	.	.	PUNCT
issue-1691	255	1	doi	doi	NOUN
issue-1691	255	2	:	:	PUNCT
issue-1691	255	3	https://doi.org/10.1016/j.ribaf.2020.101338	https://doi.org/10.1016/j.ribaf.2020.101338	NOUN
issue-1691	255	4	thankor	thankor	NOUN
issue-1691	255	5	,	,	PUNCT
issue-1691	255	6	a.	a.	PROPN
issue-1691	255	7	v.	v.	PROPN
issue-1691	255	8	(	(	PUNCT
issue-1691	255	9	2020	2020	NUM
issue-1691	255	10	)	)	PUNCT
issue-1691	255	11	.	.	PUNCT
issue-1691	256	1	fintech	fintech	NOUN
issue-1691	256	2	and	and	CCONJ
issue-1691	256	3	banking	banking	NOUN
issue-1691	256	4	:	:	PUNCT
issue-1691	256	5	what	what	PRON
issue-1691	256	6	do	do	AUX
issue-1691	256	7	we	we	PRON
issue-1691	256	8	know	know	VERB
issue-1691	256	9	?	?	PUNCT
issue-1691	257	1	journal	journal	NOUN
issue-1691	257	2	of	of	ADP
issue-1691	257	3	financial	financial	ADJ
issue-1691	257	4	intermediation	intermediation	NOUN
issue-1691	257	5	,	,	PUNCT
issue-1691	257	6	41	41	NUM
issue-1691	257	7	,	,	PUNCT
issue-1691	257	8	article	article	NOUN
issue-1691	257	9	100833	100833	NUM
issue-1691	257	10	.	.	PUNCT
issue-1691	258	1	doi	doi	NOUN
issue-1691	258	2	:	:	PUNCT
issue-1691	258	3	https://doi.org/10.1016/j.jfi.2019.100833	https://doi.org/10.1016/j.jfi.2019.100833	X
issue-1691	258	4	fung	fung	PROPN
issue-1691	258	5	,	,	PUNCT
issue-1691	258	6	d.	d.	PROPN
issue-1691	258	7	w.	w.	PROPN
issue-1691	258	8	h.	h.	PROPN
issue-1691	258	9	,	,	PUNCT
issue-1691	258	10	lee	lee	PROPN
issue-1691	258	11	,	,	PUNCT
issue-1691	258	12	w.	w.	PROPN
issue-1691	258	13	y.	y.	PROPN
issue-1691	258	14	,	,	PUNCT
issue-1691	258	15	yeh	yeh	PROPN
issue-1691	258	16	,	,	PUNCT
issue-1691	258	17	j.	j.	PROPN
issue-1691	258	18	j.	j.	PROPN
issue-1691	258	19	h.	h.	PROPN
issue-1691	258	20	,	,	PUNCT
issue-1691	258	21	&	&	CCONJ
issue-1691	258	22	yuen	yuen	PROPN
issue-1691	258	23	,	,	PUNCT
issue-1691	258	24	f.	f.	PROPN
issue-1691	258	25	l.	l.	PROPN
issue-1691	258	26	(	(	PUNCT
issue-1691	258	27	2020	2020	NUM
issue-1691	258	28	)	)	PUNCT
issue-1691	258	29	.	.	PUNCT
issue-1691	259	1	friend	friend	NOUN
issue-1691	259	2	or	or	CCONJ
issue-1691	259	3	foe	foe	NOUN
issue-1691	259	4	:	:	PUNCT
issue-1691	259	5	the	the	DET
issue-1691	259	6	divergent	divergent	ADJ
issue-1691	259	7	effects	effect	NOUN
issue-1691	259	8	of	of	ADP
issue-1691	259	9	fintech	fintech	NOUN
issue-1691	259	10	on	on	ADP
issue-1691	259	11	financial	financial	ADJ
issue-1691	259	12	stability	stability	NOUN
issue-1691	259	13	.	.	PUNCT
issue-1691	260	1	emerging	emerge	VERB
issue-1691	260	2	markets	market	NOUN
issue-1691	260	3	review	review	VERB
issue-1691	260	4	,	,	PUNCT
issue-1691	260	5	45	45	NUM
issue-1691	260	6	,	,	PUNCT
issue-1691	260	7	article	article	NOUN
issue-1691	260	8	100727	100727	NUM
issue-1691	260	9	.	.	PUNCT
issue-1691	261	1	doi	doi	NOUN
issue-1691	261	2	:	:	PUNCT
issue-1691	261	3	https://doi.org/10.1016/j.ememar.2020.100727	https://doi.org/10.1016/j.ememar.2020.100727	PROPN
issue-1691	261	4	baltic	baltic	PROPN
issue-1691	261	5	journal	journal	PROPN
issue-1691	261	6	of	of	ADP
issue-1691	261	7	economic	economic	ADJ
issue-1691	261	8	studies	study	NOUN
issue-1691	261	9	158	158	NUM
issue-1691	261	10	vol	vol	NOUN
issue-1691	261	11	.	.	PROPN
issue-1691	261	12	8	8	NUM
issue-1691	262	1	no	no	NOUN
issue-1691	262	2	.	.	NOUN
issue-1691	262	3	1	1	NUM
issue-1691	262	4	,	,	PUNCT
issue-1691	262	5	2022	2022	NUM
issue-1691	262	6	omarova	omarova	NOUN
issue-1691	262	7	,	,	PUNCT
issue-1691	262	8	s.	s.	PROPN
issue-1691	262	9	t.	t.	PROPN
issue-1691	262	10	(	(	PUNCT
issue-1691	262	11	2021	2021	NUM
issue-1691	262	12	)	)	PUNCT
issue-1691	262	13	.	.	PUNCT
issue-1691	263	1	fintech	fintech	NOUN
issue-1691	263	2	and	and	CCONJ
issue-1691	263	3	the	the	DET
issue-1691	263	4	limits	limit	NOUN
issue-1691	263	5	of	of	ADP
issue-1691	263	6	financial	financial	ADJ
issue-1691	263	7	regulation	regulation	NOUN
issue-1691	263	8	.	.	PUNCT
issue-1691	264	1	a	a	DET
issue-1691	264	2	systemic	systemic	ADJ
issue-1691	264	3	perspective	perspective	NOUN
issue-1691	264	4	/	/	PUNCT
issue-1691	264	5	in	in	ADP
issue-1691	264	6	:	:	PUNCT
issue-1691	264	7	i.	i.	NOUN
issue-1691	264	8	h.-y	h.-y	NOUN
issue-1691	264	9	.	.	PUNCT
issue-1691	265	1	chiu	chiu	PROPN
issue-1691	265	2	,	,	PUNCT
issue-1691	265	3	g.	g.	PROPN
issue-1691	265	4	deipenbrock	deipenbrock	PROPN
issue-1691	265	5	(	(	PUNCT
issue-1691	265	6	eds	eds	PROPN
issue-1691	265	7	.	.	PUNCT
issue-1691	265	8	)	)	PUNCT
issue-1691	265	9	,	,	PUNCT
issue-1691	265	10	routledge	routledge	PROPN
issue-1691	265	11	handbook	handbook	PROPN
issue-1691	265	12	of	of	ADP
issue-1691	265	13	financial	financial	ADJ
issue-1691	265	14	technology	technology	NOUN
issue-1691	265	15	and	and	CCONJ
issue-1691	265	16	law	law	NOUN
issue-1691	265	17	(	(	PUNCT
issue-1691	265	18	pp	pp	ADJ
issue-1691	265	19	.	.	PUNCT
issue-1691	265	20	44–61	44–61	NUM
issue-1691	265	21	)	)	PUNCT
issue-1691	265	22	.	.	PUNCT
issue-1691	266	1	available	available	ADJ
issue-1691	266	2	at	at	ADP
issue-1691	266	3	:	:	PUNCT
issue-1691	266	4	https://www.routledgehandbooks.com/doi/10.4324/9780429325670-3	https://www.routledgehandbooks.com/doi/10.4324/9780429325670-3	ADJ
issue-1691	266	5	alaassar	alaassar	PROPN
issue-1691	266	6	,	,	PUNCT
issue-1691	266	7	a.	a.	NOUN
issue-1691	266	8	,	,	PUNCT
issue-1691	266	9	mention	mention	VERB
issue-1691	266	10	,	,	PUNCT
issue-1691	266	11	a.-l	a.-l	PROPN
issue-1691	266	12	.	.	PUNCT
issue-1691	266	13	,	,	PUNCT
issue-1691	266	14	&	&	CCONJ
issue-1691	266	15	aas	aas	PROPN
issue-1691	266	16	,	,	PUNCT
issue-1691	266	17	t.	t.	PROPN
issue-1691	266	18	h.	h.	PROPN
issue-1691	266	19	(	(	PUNCT
issue-1691	266	20	2021	2021	NUM
issue-1691	266	21	)	)	PUNCT
issue-1691	266	22	.	.	PUNCT
issue-1691	267	1	exploring	explore	VERB
issue-1691	267	2	a	a	DET
issue-1691	267	3	new	new	ADJ
issue-1691	267	4	incubation	incubation	NOUN
issue-1691	267	5	model	model	NOUN
issue-1691	267	6	for	for	ADP
issue-1691	267	7	fintechs	fintech	NOUN
issue-1691	267	8	:	:	PUNCT
issue-1691	267	9	regulatory	regulatory	ADJ
issue-1691	267	10	sandboxes	sandbox	NOUN
issue-1691	267	11	.	.	PUNCT
issue-1691	268	1	technovation	technovation	NOUN
issue-1691	268	2	,	,	PUNCT
issue-1691	268	3	103	103	NUM
issue-1691	268	4	,	,	PUNCT
issue-1691	268	5	article	article	NOUN
issue-1691	268	6	102237	102237	NUM
issue-1691	268	7	.	.	PUNCT
issue-1691	269	1	doi	doi	NOUN
issue-1691	269	2	:	:	PUNCT
issue-1691	269	3	https://doi.org/10.1016/j.technovation.2021.102237	https://doi.org/10.1016/j.technovation.2021.102237	PROPN
issue-1691	269	4	wang	wang	PROPN
issue-1691	269	5	,	,	PUNCT
issue-1691	269	6	s.	s.	PROPN
issue-1691	269	7	,	,	PUNCT
issue-1691	269	8	tu	tu	PROPN
issue-1691	269	9	,	,	PUNCT
issue-1691	269	10	x.	x.	NOUN
issue-1691	269	11	,	,	PUNCT
issue-1691	269	12	chai	chai	NOUN
issue-1691	269	13	,	,	PUNCT
issue-1691	269	14	h.	h.	PROPN
issue-1691	269	15	,	,	PUNCT
issue-1691	269	16	sun	sun	PROPN
issue-1691	269	17	,	,	PUNCT
issue-1691	269	18	q.	q.	PROPN
issue-1691	269	19	,	,	PUNCT
issue-1691	269	20	wu	wu	PROPN
issue-1691	269	21	,	,	PUNCT
issue-1691	269	22	j.	j.	PROPN
issue-1691	269	23	,	,	PUNCT
issue-1691	269	24	cai	cai	PROPN
issue-1691	269	25	,	,	PUNCT
issue-1691	269	26	h.	h.	PROPN
issue-1691	269	27	,	,	PUNCT
issue-1691	269	28	&	&	CCONJ
issue-1691	269	29	wang	wang	PROPN
issue-1691	269	30	,	,	PUNCT
issue-1691	269	31	f.-y	f.-y	PROPN
issue-1691	269	32	.	.	PUNCT
issue-1691	270	1	(	(	PUNCT
issue-1691	270	2	2020	2020	NUM
issue-1691	270	3	)	)	PUNCT
issue-1691	270	4	.	.	PUNCT
issue-1691	271	1	blockchain	blockchain	NOUN
issue-1691	271	2	-	-	PUNCT
issue-1691	271	3	powered	power	VERB
issue-1691	271	4	parallel	parallel	ADJ
issue-1691	271	5	fintech	fintech	NOUN
issue-1691	271	6	regulatory	regulatory	ADJ
issue-1691	271	7	sandbox	sandbox	NOUN
issue-1691	271	8	based	base	VERB
issue-1691	271	9	on	on	ADP
issue-1691	271	10	the	the	DET
issue-1691	271	11	acp	acp	PROPN
issue-1691	271	12	approach	approach	NOUN
issue-1691	271	13	.	.	PUNCT
issue-1691	272	1	ifac	ifac	NOUN
issue-1691	272	2	-	-	PUNCT
issue-1691	272	3	papersonline	papersonline	NOUN
issue-1691	272	4	,	,	PUNCT
issue-1691	272	5	53(5	53(5	NUM
issue-1691	272	6	)	)	PUNCT
issue-1691	272	7	,	,	PUNCT
issue-1691	272	8	863–867	863–867	NUM
issue-1691	272	9	.	.	PUNCT
issue-1691	273	1	doi	doi	NOUN
issue-1691	273	2	:	:	PUNCT
issue-1691	273	3	https://doi.org/10.1016/j.ifacol.2021.04.183	https://doi.org/10.1016/j.ifacol.2021.04.183	PROPN
issue-1691	273	4	zhao	zhao	PROPN
issue-1691	273	5	,	,	PUNCT
issue-1691	273	6	j.	j.	PROPN
issue-1691	273	7	,	,	PUNCT
issue-1691	273	8	li	li	PROPN
issue-1691	273	9	,	,	PUNCT
issue-1691	273	10	x.	x.	PROPN
issue-1691	273	11	,	,	PUNCT
issue-1691	273	12	yu	yu	PROPN
issue-1691	273	13	,	,	PUNCT
issue-1691	273	14	c.-h	c.-h	PROPN
issue-1691	273	15	.	.	PUNCT
issue-1691	273	16	,	,	PUNCT
issue-1691	273	17	chen	chen	PROPN
issue-1691	273	18	,	,	PUNCT
issue-1691	273	19	s.	s.	PROPN
issue-1691	273	20	,	,	PUNCT
issue-1691	273	21	&	&	CCONJ
issue-1691	273	22	lee	lee	PROPN
issue-1691	273	23	,	,	PUNCT
issue-1691	273	24	c.-c	c.-c	PROPN
issue-1691	273	25	.	.	PUNCT
issue-1691	274	1	(	(	PUNCT
issue-1691	274	2	2022	2022	NUM
issue-1691	274	3	)	)	PUNCT
issue-1691	274	4	.	.	PUNCT
issue-1691	275	1	riding	ride	VERB
issue-1691	275	2	the	the	DET
issue-1691	275	3	fintech	fintech	NOUN
issue-1691	275	4	innovation	innovation	NOUN
issue-1691	275	5	wave	wave	NOUN
issue-1691	275	6	:	:	PUNCT
issue-1691	275	7	fintech	fintech	NOUN
issue-1691	275	8	,	,	PUNCT
issue-1691	275	9	patents	patent	NOUN
issue-1691	275	10	and	and	CCONJ
issue-1691	275	11	bank	bank	NOUN
issue-1691	275	12	performance	performance	NOUN
issue-1691	275	13	.	.	PUNCT
issue-1691	276	1	journal	journal	NOUN
issue-1691	276	2	of	of	ADP
issue-1691	276	3	international	international	ADJ
issue-1691	276	4	money	money	NOUN
issue-1691	276	5	and	and	CCONJ
issue-1691	276	6	finance	finance	NOUN
issue-1691	276	7	,	,	PUNCT
issue-1691	276	8	122	122	NUM
issue-1691	276	9	,	,	PUNCT
issue-1691	276	10	article	article	NOUN
issue-1691	276	11	102552	102552	NUM
issue-1691	276	12	.	.	PUNCT
issue-1691	277	1	doi	doi	NOUN
issue-1691	277	2	:	:	PUNCT
issue-1691	277	3	https://doi.org/10.1016/j.jimonfin.2021.102552	https://doi.org/10.1016/j.jimonfin.2021.102552	NOUN
issue-1691	277	4	mention	mention	NOUN
issue-1691	277	5	,	,	PUNCT
issue-1691	277	6	a.-l	a.-l	PROPN
issue-1691	277	7	.	.	PUNCT
issue-1691	278	1	(	(	PUNCT
issue-1691	278	2	2019	2019	NUM
issue-1691	278	3	)	)	PUNCT
issue-1691	278	4	.	.	PUNCT
issue-1691	279	1	the	the	DET
issue-1691	279	2	future	future	NOUN
issue-1691	279	3	of	of	ADP
issue-1691	279	4	fintech	fintech	NOUN
issue-1691	279	5	.	.	PUNCT
issue-1691	280	1	research	research	NOUN
issue-1691	280	2	-	-	PUNCT
issue-1691	280	3	technology	technology	NOUN
issue-1691	280	4	management	management	NOUN
issue-1691	280	5	,	,	PUNCT
issue-1691	280	6	62(4	62(4	NOUN
issue-1691	280	7	)	)	PUNCT
issue-1691	280	8	,	,	PUNCT
issue-1691	280	9	59–63	59–63	NUM
issue-1691	280	10	.	.	PUNCT
issue-1691	281	1	doi	doi	PROPN
issue-1691	281	2	:	:	PUNCT
issue-1691	281	3	https://doi.org/10.1080/08956308.2019.1613123	https://doi.org/10.1080/08956308.2019.1613123	AUX
issue-1691	281	4	see	see	VERB
issue-1691	281	5	-	-	PUNCT
issue-1691	281	6	to	to	PART
issue-1691	281	7	,	,	PUNCT
issue-1691	281	8	e.	e.	PROPN
issue-1691	281	9	w.	w.	PROPN
issue-1691	281	10	k.	k.	PROPN
issue-1691	281	11	,	,	PUNCT
issue-1691	281	12	&	&	CCONJ
issue-1691	281	13	ngai	ngai	PROPN
issue-1691	281	14	,	,	PUNCT
issue-1691	281	15	e.	e.	PROPN
issue-1691	281	16	w.	w.	PROPN
issue-1691	281	17	t.	t.	PROPN
issue-1691	281	18	(	(	PUNCT
issue-1691	281	19	2019	2019	NUM
issue-1691	281	20	)	)	PUNCT
issue-1691	281	21	.	.	PUNCT
issue-1691	282	1	an	an	DET
issue-1691	282	2	empirical	empirical	ADJ
issue-1691	282	3	study	study	NOUN
issue-1691	282	4	of	of	ADP
issue-1691	282	5	payment	payment	NOUN
issue-1691	282	6	technologies	technology	NOUN
issue-1691	282	7	,	,	PUNCT
issue-1691	282	8	the	the	DET
issue-1691	282	9	psychology	psychology	NOUN
issue-1691	282	10	of	of	ADP
issue-1691	282	11	consumption	consumption	NOUN
issue-1691	282	12	,	,	PUNCT
issue-1691	282	13	and	and	CCONJ
issue-1691	282	14	spending	spend	VERB
issue-1691	282	15	behavior	behavior	NOUN
issue-1691	282	16	in	in	ADP
issue-1691	282	17	a	a	DET
issue-1691	282	18	retailing	retailing	NOUN
issue-1691	282	19	context	context	NOUN
issue-1691	282	20	.	.	PUNCT
issue-1691	283	1	information	information	NOUN
issue-1691	283	2	&	&	CCONJ
issue-1691	283	3	management	management	PROPN
issue-1691	283	4	,	,	PUNCT
issue-1691	283	5	56(3	56(3	NOUN
issue-1691	283	6	)	)	PUNCT
issue-1691	283	7	,	,	PUNCT
issue-1691	283	8	329–342	329–342	NUM
issue-1691	283	9	.	.	PUNCT
issue-1691	284	1	doi	doi	NOUN
issue-1691	284	2	:	:	PUNCT
issue-1691	284	3	https://doi.org/10.1016/j.im.2018.07.007	https://doi.org/10.1016/j.im.2018.07.007	PROPN
issue-1691	284	4	de	de	PROPN
issue-1691	284	5	luna	luna	PROPN
issue-1691	284	6	,	,	PUNCT
issue-1691	284	7	i.	i.	PROPN
issue-1691	284	8	r.	r.	PROPN
issue-1691	284	9	,	,	PUNCT
issue-1691	284	10	liébana	liébana	PROPN
issue-1691	284	11	-	-	PUNCT
issue-1691	284	12	cabanillas	cabanilla	NOUN
issue-1691	284	13	,	,	PUNCT
issue-1691	284	14	f.	f.	PROPN
issue-1691	284	15	,	,	PUNCT
issue-1691	284	16	sánchez	sánchez	NOUN
issue-1691	284	17	-	-	PUNCT
issue-1691	284	18	fernández	fernández	PROPN
issue-1691	284	19	,	,	PUNCT
issue-1691	284	20	j.	j.	PROPN
issue-1691	284	21	,	,	PUNCT
issue-1691	284	22	&	&	CCONJ
issue-1691	284	23	muñoz	muñoz	PROPN
issue-1691	284	24	-	-	PUNCT
issue-1691	284	25	leiva	leiva	PROPN
issue-1691	284	26	,	,	PUNCT
issue-1691	284	27	  	  	SPACE
issue-1691	284	28	f.	f.	PROPN
issue-1691	284	29	(	(	PUNCT
issue-1691	284	30	2019	2019	NUM
issue-1691	284	31	)	)	PUNCT
issue-1691	284	32	.	.	PUNCT
issue-1691	285	1	mobile	mobile	ADJ
issue-1691	285	2	payment	payment	NOUN
issue-1691	285	3	is	be	AUX
issue-1691	285	4	not	not	PART
issue-1691	285	5	all	all	DET
issue-1691	285	6	the	the	DET
issue-1691	285	7	same	same	ADJ
issue-1691	285	8	:	:	PUNCT
issue-1691	285	9	the	the	DET
issue-1691	285	10	adoption	adoption	NOUN
issue-1691	285	11	of	of	ADP
issue-1691	285	12	mobile	mobile	ADJ
issue-1691	285	13	payment	payment	NOUN
issue-1691	285	14	systems	system	NOUN
issue-1691	285	15	depending	depend	VERB
issue-1691	285	16	on	on	ADP
issue-1691	285	17	the	the	DET
issue-1691	285	18	technology	technology	NOUN
issue-1691	285	19	applied	apply	VERB
issue-1691	285	20	.	.	PUNCT
issue-1691	286	1	technological	technological	ADJ
issue-1691	286	2	forecasting	forecasting	NOUN
issue-1691	286	3	and	and	CCONJ
issue-1691	286	4	social	social	ADJ
issue-1691	286	5	change	change	NOUN
issue-1691	286	6	,	,	PUNCT
issue-1691	286	7	146	146	NUM
issue-1691	286	8	,	,	PUNCT
issue-1691	286	9	931–944	931–944	NUM
issue-1691	286	10	.	.	PUNCT
issue-1691	287	1	doi	doi	NOUN
issue-1691	287	2	:	:	PUNCT
issue-1691	287	3	https://doi.org/10.1016/j.techfore.2018.09.018	https://doi.org/10.1016/j.techfore.2018.09.018	PROPN
issue-1691	287	4	meng	meng	PROPN
issue-1691	287	5	,	,	PUNCT
issue-1691	287	6	s.	s.	PROPN
issue-1691	287	7	,	,	PUNCT
issue-1691	287	8	he	he	PRON
issue-1691	287	9	,	,	PUNCT
issue-1691	287	10	x.	x.	PROPN
issue-1691	287	11	,	,	PUNCT
issue-1691	287	12	&	&	CCONJ
issue-1691	287	13	tian	tian	PROPN
issue-1691	287	14	,	,	PUNCT
issue-1691	287	15	x.	x.	NOUN
issue-1691	287	16	(	(	PUNCT
issue-1691	287	17	2021	2021	NUM
issue-1691	287	18	)	)	PUNCT
issue-1691	287	19	.	.	PUNCT
issue-1691	288	1	research	research	NOUN
issue-1691	288	2	on	on	ADP
issue-1691	288	3	fintech	fintech	NOUN
issue-1691	288	4	development	development	NOUN
issue-1691	288	5	issues	issue	NOUN
issue-1691	288	6	based	base	VERB
issue-1691	288	7	on	on	ADP
issue-1691	288	8	embedded	embed	VERB
issue-1691	288	9	cloud	cloud	NOUN
issue-1691	288	10	computing	computing	NOUN
issue-1691	288	11	and	and	CCONJ
issue-1691	288	12	big	big	ADJ
issue-1691	288	13	data	datum	NOUN
issue-1691	288	14	analysis	analysis	NOUN
issue-1691	288	15	.	.	PUNCT
issue-1691	289	1	microprocessors	microprocessor	NOUN
issue-1691	289	2	and	and	CCONJ
issue-1691	289	3	microsystems	microsystem	NOUN
issue-1691	289	4	,	,	PUNCT
issue-1691	289	5	83	83	NUM
issue-1691	289	6	,	,	PUNCT
issue-1691	289	7	article	article	NOUN
issue-1691	289	8	103977	103977	NUM
issue-1691	289	9	.	.	PUNCT
issue-1691	290	1	doi	doi	NOUN
issue-1691	290	2	:	:	PUNCT
issue-1691	290	3	https://doi.org/	https://doi.org/	VERB
issue-1691	290	4	10.1016	10.1016	NUM
issue-1691	290	5	/	/	SYM
issue-1691	290	6	j.micpro.2021.103977	j.micpro.2021.103977	PROPN
issue-1691	290	7	nasr	nasr	PROPN
issue-1691	290	8	,	,	PUNCT
issue-1691	290	9	m.	m.	PROPN
issue-1691	290	10	&	&	CCONJ
issue-1691	290	11	farrag	farrag	PROPN
issue-1691	290	12	,	,	PUNCT
issue-1691	290	13	m.	m.	NOUN
issue-1691	290	14	(	(	PUNCT
issue-1691	290	15	2020	2020	NUM
issue-1691	290	16	)	)	PUNCT
issue-1691	290	17	.	.	PUNCT
issue-1691	291	1	e	e	X
issue-1691	291	2	-	-	NOUN
issue-1691	291	3	payment	payment	NOUN
issue-1691	291	4	systems	system	NOUN
issue-1691	291	5	risks	risk	NOUN
issue-1691	291	6	,	,	PUNCT
issue-1691	291	7	opportunities	opportunity	NOUN
issue-1691	291	8	,	,	PUNCT
issue-1691	291	9	and	and	CCONJ
issue-1691	291	10	challenges	challenge	NOUN
issue-1691	291	11	for	for	ADP
issue-1691	291	12	improved	improved	ADJ
issue-1691	291	13	results	result	NOUN
issue-1691	291	14	in	in	ADP
issue-1691	291	15	e	e	NOUN
issue-1691	291	16	-	-	NOUN
issue-1691	291	17	business	business	NOUN
issue-1691	291	18	.	.	PUNCT
issue-1691	292	1	international	international	ADJ
issue-1691	292	2	journal	journal	NOUN
issue-1691	292	3	of	of	ADP
issue-1691	292	4	intelligent	intelligent	ADJ
issue-1691	292	5	computing	computing	NOUN
issue-1691	292	6	and	and	CCONJ
issue-1691	292	7	information	information	NOUN
issue-1691	292	8	sciences	science	NOUN
issue-1691	292	9	,	,	PUNCT
issue-1691	292	10	20(1	20(1	NUM
issue-1691	292	11	)	)	PUNCT
issue-1691	292	12	,	,	PUNCT
issue-1691	292	13	16–27	16–27	NUM
issue-1691	292	14	.	.	PUNCT
issue-1691	293	1	doi	doi	NOUN
issue-1691	293	2	:	:	PUNCT
issue-1691	293	3	https://doi.org/10.21608/ijicis.2020.31514.1018	https://doi.org/10.21608/ijicis.2020.31514.1018	NUM
issue-1691	293	4	yao	yao	NOUN
issue-1691	293	5	,	,	PUNCT
issue-1691	293	6	m.	m.	NOUN
issue-1691	293	7	,	,	PUNCT
issue-1691	293	8	di	di	PROPN
issue-1691	293	9	,	,	PUNCT
issue-1691	293	10	h.	h.	PROPN
issue-1691	293	11	,	,	PUNCT
issue-1691	293	12	zheng	zheng	PROPN
issue-1691	293	13	,	,	PUNCT
issue-1691	293	14	x.	x.	PROPN
issue-1691	293	15	,	,	PUNCT
issue-1691	293	16	&	&	CCONJ
issue-1691	293	17	xu	xu	PROPN
issue-1691	293	18	,	,	PUNCT
issue-1691	293	19	x.	x.	NOUN
issue-1691	293	20	(	(	PUNCT
issue-1691	293	21	2018	2018	NUM
issue-1691	293	22	)	)	PUNCT
issue-1691	293	23	.	.	PUNCT
issue-1691	294	1	impact	impact	NOUN
issue-1691	294	2	of	of	ADP
issue-1691	294	3	payment	payment	NOUN
issue-1691	294	4	technology	technology	NOUN
issue-1691	294	5	innovations	innovation	NOUN
issue-1691	294	6	on	on	ADP
issue-1691	294	7	the	the	DET
issue-1691	294	8	traditional	traditional	ADJ
issue-1691	294	9	financial	financial	ADJ
issue-1691	294	10	industry	industry	NOUN
issue-1691	294	11	:	:	PUNCT
issue-1691	294	12	a	a	DET
issue-1691	294	13	focus	focus	NOUN
issue-1691	294	14	on	on	ADP
issue-1691	294	15	china	china	PROPN
issue-1691	294	16	.	.	PUNCT
issue-1691	295	1	technological	technological	ADJ
issue-1691	295	2	forecasting	forecasting	NOUN
issue-1691	295	3	and	and	CCONJ
issue-1691	295	4	social	social	ADJ
issue-1691	295	5	change	change	NOUN
issue-1691	295	6	,	,	PUNCT
issue-1691	295	7	135	135	NUM
issue-1691	295	8	,	,	PUNCT
issue-1691	295	9	199–207	199–207	NUM
issue-1691	295	10	.	.	PUNCT
issue-1691	296	1	doi	doi	NOUN
issue-1691	296	2	:	:	PUNCT
issue-1691	296	3	https://doi.org/10.1016/j.techfore.2017.12.023	https://doi.org/10.1016/j.techfore.2017.12.023	PROPN
issue-1691	296	4	lee	lee	PROPN
issue-1691	296	5	,	,	PUNCT
issue-1691	296	6	i.	i.	PROPN
issue-1691	296	7	,	,	PUNCT
issue-1691	296	8	shin	shin	PROPN
issue-1691	296	9	,	,	PUNCT
issue-1691	296	10	y.j	y.j	PROPN
issue-1691	296	11	.	.	PROPN
issue-1691	296	12	fintech	fintech	PROPN
issue-1691	296	13	:	:	PUNCT
issue-1691	296	14	ecosystem	ecosystem	NOUN
issue-1691	296	15	,	,	PUNCT
issue-1691	296	16	business	business	NOUN
issue-1691	296	17	models	model	NOUN
issue-1691	296	18	,	,	PUNCT
issue-1691	296	19	investment	investment	NOUN
issue-1691	296	20	decisions	decision	NOUN
issue-1691	296	21	,	,	PUNCT
issue-1691	296	22	and	and	CCONJ
issue-1691	296	23	challenges	challenge	NOUN
issue-1691	296	24	(	(	PUNCT
issue-1691	296	25	2018	2018	NUM
issue-1691	296	26	)	)	PUNCT
issue-1691	296	27	.	.	PUNCT
issue-1691	297	1	business	business	NOUN
issue-1691	297	2	horizons	horizon	NOUN
issue-1691	297	3	,	,	PUNCT
issue-1691	297	4	61	61	NUM
issue-1691	297	5	,	,	PUNCT
issue-1691	297	6	35–46	35–46	NUM
issue-1691	297	7	.	.	PUNCT
issue-1691	298	1	doi	doi	NOUN
issue-1691	298	2	:	:	PUNCT
issue-1691	298	3	https://doi.org/10.1016/j.bushor.2017.09.003	https://doi.org/10.1016/j.bushor.2017.09.003	NOUN
issue-1691	298	4	braun	braun	NOUN
issue-1691	298	5	,	,	PUNCT
issue-1691	298	6	m.	m.	NOUN
issue-1691	298	7	,	,	PUNCT
issue-1691	298	8	mcandrews	mcandrews	PROPN
issue-1691	298	9	,	,	PUNCT
issue-1691	298	10	j.	j.	PROPN
issue-1691	298	11	,	,	PUNCT
issue-1691	298	12	roberds	roberd	NOUN
issue-1691	298	13	,	,	PUNCT
issue-1691	298	14	w.	w.	PROPN
issue-1691	298	15	,	,	PUNCT
issue-1691	298	16	&	&	CCONJ
issue-1691	298	17	sullivan	sullivan	PROPN
issue-1691	298	18	,	,	PUNCT
issue-1691	298	19	r.	r.	PROPN
issue-1691	298	20	(	(	PUNCT
issue-1691	298	21	2008	2008	NUM
issue-1691	298	22	)	)	PUNCT
issue-1691	298	23	.	.	PUNCT
issue-1691	299	1	understanding	understand	VERB
issue-1691	299	2	risk	risk	NOUN
issue-1691	299	3	management	management	NOUN
issue-1691	299	4	in	in	ADP
issue-1691	299	5	emerging	emerge	VERB
issue-1691	299	6	retail	retail	ADJ
issue-1691	299	7	payments	payment	NOUN
issue-1691	299	8	.	.	PUNCT
issue-1691	300	1	economic	economic	ADJ
issue-1691	300	2	policy	policy	NOUN
issue-1691	300	3	review	review	NOUN
issue-1691	300	4	,	,	PUNCT
issue-1691	300	5	14(2	14(2	NUM
issue-1691	300	6	)	)	PUNCT
issue-1691	300	7	,	,	PUNCT
issue-1691	300	8	137–159	137–159	NUM
issue-1691	300	9	.	.	PUNCT
issue-1691	301	1	doi	doi	PROPN
issue-1691	301	2	:	:	PUNCT
issue-1691	301	3	http://dx.doi.org/10.2139/ssrn.1072914	http://dx.doi.org/10.2139/ssrn.1072914	VERB
issue-1691	301	4	trautman	trautman	NOUN
issue-1691	301	5	,	,	PUNCT
issue-1691	301	6	l.	l.	PROPN
issue-1691	301	7	(	(	PUNCT
issue-1691	301	8	2016	2016	NUM
issue-1691	301	9	)	)	PUNCT
issue-1691	301	10	.	.	PUNCT
issue-1691	302	1	e	e	X
issue-1691	302	2	-	-	NOUN
issue-1691	302	3	commerce	commerce	NOUN
issue-1691	302	4	,	,	PUNCT
issue-1691	302	5	cyber	cyber	NOUN
issue-1691	302	6	and	and	CCONJ
issue-1691	302	7	electronic	electronic	ADJ
issue-1691	302	8	payment	payment	NOUN
issue-1691	302	9	system	system	NOUN
issue-1691	302	10	risks	risk	NOUN
issue-1691	302	11	:	:	PUNCT
issue-1691	302	12	lessons	lesson	NOUN
issue-1691	302	13	from	from	ADP
issue-1691	302	14	paypal	paypal	PROPN
issue-1691	302	15	.	.	PUNCT
issue-1691	303	1	ssrn	ssrn	PROPN
issue-1691	303	2	electronic	electronic	ADJ
issue-1691	303	3	journal	journal	NOUN
issue-1691	303	4	,	,	PUNCT
issue-1691	303	5	16	16	NUM
issue-1691	303	6	,	,	PUNCT
issue-1691	303	7	261–307	261–307	NUM
issue-1691	303	8	.	.	PUNCT
issue-1691	304	1	doi	doi	NOUN
issue-1691	304	2	:	:	PUNCT
issue-1691	304	3	http://dx.doi.org/10.2139/ssrn.2314119	http://dx.doi.org/10.2139/ssrn.2314119	X
issue-1691	304	4	julapa	julapa	NOUN
issue-1691	304	5	,	,	PUNCT
issue-1691	304	6	j.	j.	PROPN
issue-1691	304	7	,	,	PUNCT
issue-1691	304	8	&	&	CCONJ
issue-1691	304	9	kose	kose	PROPN
issue-1691	304	10	,	,	PUNCT
issue-1691	304	11	j.	j.	PROPN
issue-1691	304	12	(	(	PUNCT
issue-1691	304	13	2018	2018	NUM
issue-1691	304	14	)	)	PUNCT
issue-1691	304	15	.	.	PUNCT
issue-1691	305	1	fintech	fintech	NOUN
issue-1691	305	2	:	:	PUNCT
issue-1691	305	3	the	the	DET
issue-1691	305	4	impact	impact	NOUN
issue-1691	305	5	on	on	ADP
issue-1691	305	6	consumers	consumer	NOUN
issue-1691	305	7	and	and	CCONJ
issue-1691	305	8	regulatory	regulatory	ADJ
issue-1691	305	9	responses	response	NOUN
issue-1691	305	10	.	.	PUNCT
issue-1691	306	1	journal	journal	NOUN
issue-1691	306	2	of	of	ADP
issue-1691	306	3	economics	economic	NOUN
issue-1691	306	4	and	and	CCONJ
issue-1691	306	5	business	business	NOUN
issue-1691	306	6	,	,	PUNCT
issue-1691	306	7	100	100	NUM
issue-1691	306	8	,	,	PUNCT
issue-1691	306	9	1–6	1–6	NUM
issue-1691	306	10	.	.	PUNCT
issue-1691	307	1	doi	doi	NOUN
issue-1691	307	2	:	:	PUNCT
issue-1691	307	3	https://doi.org/10.1016/j.jeconbus.2018.11.002	https://doi.org/10.1016/j.jeconbus.2018.11.002	PROPN
issue-1691	307	4	radnejad	radnejad	NOUN
issue-1691	307	5	,	,	PUNCT
issue-1691	307	6	a.	a.	PROPN
issue-1691	307	7	b.	b.	PROPN
issue-1691	307	8	,	,	PUNCT
issue-1691	307	9	osiyevskyy	osiyevskyy	PROPN
issue-1691	307	10	,	,	PUNCT
issue-1691	307	11	o.	o.	PROPN
issue-1691	307	12	,	,	PUNCT
issue-1691	307	13	&	&	CCONJ
issue-1691	307	14	scheibel	scheibel	NOUN
issue-1691	307	15	,	,	PUNCT
issue-1691	307	16	o.	o.	NOUN
issue-1691	307	17	(	(	PUNCT
issue-1691	307	18	2021	2021	NUM
issue-1691	307	19	)	)	PUNCT
issue-1691	307	20	.	.	PUNCT
issue-1691	308	1	learning	learn	VERB
issue-1691	308	2	from	from	ADP
issue-1691	308	3	the	the	DET
issue-1691	308	4	failure	failure	NOUN
issue-1691	308	5	of	of	ADP
issue-1691	308	6	the	the	DET
issue-1691	308	7	eu	eu	PROPN
issue-1691	308	8	payment	payment	NOUN
issue-1691	308	9	services	service	NOUN
issue-1691	308	10	directive	directive	NOUN
issue-1691	308	11	(	(	PUNCT
issue-1691	308	12	psd2	psd2	PROPN
issue-1691	308	13	):	):	PUNCT
issue-1691	308	14	when	when	SCONJ
issue-1691	308	15	imposed	impose	VERB
issue-1691	308	16	innovation	innovation	NOUN
issue-1691	308	17	does	do	AUX
issue-1691	308	18	not	not	PART
issue-1691	308	19	change	change	VERB
issue-1691	308	20	the	the	DET
issue-1691	308	21	status	status	NOUN
issue-1691	308	22	quo	quo	NOUN
issue-1691	308	23	.	.	PUNCT
issue-1691	309	1	rutgers	rutgers	PROPN
issue-1691	309	2	business	business	PROPN
issue-1691	309	3	review	review	PROPN
issue-1691	309	4	,	,	PUNCT
issue-1691	309	5	6(1	6(1	NUM
issue-1691	309	6	)	)	PUNCT
issue-1691	309	7	,	,	PUNCT
issue-1691	309	8	79–94	79–94	NUM
issue-1691	309	9	.	.	PUNCT
issue-1691	310	1	polasik	polasik	PROPN
issue-1691	310	2	,	,	PUNCT
issue-1691	310	3	m.	m.	NOUN
issue-1691	310	4	,	,	PUNCT
issue-1691	310	5	huterska	huterska	PROPN
issue-1691	310	6	,	,	PUNCT
issue-1691	310	7	a.	a.	NOUN
issue-1691	310	8	,	,	PUNCT
issue-1691	310	9	iftikhar	iftikhar	PROPN
issue-1691	310	10	,	,	PUNCT
issue-1691	310	11	r.	r.	PROPN
issue-1691	310	12	,	,	PUNCT
issue-1691	310	13	&	&	CCONJ
issue-1691	310	14	mikula	mikula	PROPN
issue-1691	310	15	,	,	PUNCT
issue-1691	310	16	š	š	PROPN
issue-1691	310	17	.	.	PUNCT
issue-1691	310	18	(	(	PUNCT
issue-1691	310	19	2020	2020	NUM
issue-1691	310	20	)	)	PUNCT
issue-1691	310	21	.	.	PUNCT
issue-1691	311	1	the	the	DET
issue-1691	311	2	impact	impact	NOUN
issue-1691	311	3	of	of	ADP
issue-1691	311	4	payment	payment	NOUN
issue-1691	311	5	services	service	NOUN
issue-1691	311	6	directive	directive	NOUN
issue-1691	311	7	2	2	NUM
issue-1691	311	8	on	on	ADP
issue-1691	311	9	the	the	DET
issue-1691	311	10	paytech	paytech	NOUN
issue-1691	311	11	sector	sector	NOUN
issue-1691	311	12	development	development	NOUN
issue-1691	311	13	in	in	ADP
issue-1691	311	14	europe	europe	PROPN
issue-1691	311	15	.	.	PUNCT
issue-1691	312	1	journal	journal	PROPN
issue-1691	312	2	of	of	ADP
issue-1691	312	3	economic	economic	ADJ
issue-1691	312	4	behavior	behavior	NOUN
issue-1691	312	5	&	&	CCONJ
issue-1691	312	6	organization	organization	PROPN
issue-1691	312	7	,	,	PUNCT
issue-1691	312	8	178	178	NUM
issue-1691	312	9	,	,	PUNCT
issue-1691	312	10	385–401	385–401	NUM
issue-1691	312	11	.	.	PUNCT
issue-1691	312	12	doi	doi	PROPN
issue-1691	312	13	:	:	PUNCT
issue-1691	312	14	https://doi.org/10.1016/j.jebo.2020.07.010	https://doi.org/10.1016/j.jebo.2020.07.010	PROPN
issue-1691	312	15	bruno	bruno	PROPN
issue-1691	312	16	,	,	PUNCT
issue-1691	312	17	p.	p.	NOUN
issue-1691	312	18	,	,	PUNCT
issue-1691	312	19	denecker	denecker	PROPN
issue-1691	312	20	,	,	PUNCT
issue-1691	312	21	o.	o.	PROPN
issue-1691	312	22	,	,	PUNCT
issue-1691	312	23	&	&	CCONJ
issue-1691	312	24	niederkorn	niederkorn	ADJ
issue-1691	312	25	m.	m.	NOUN
issue-1691	312	26	(	(	PUNCT
issue-1691	312	27	2021	2021	NUM
issue-1691	312	28	,	,	PUNCT
issue-1691	312	29	october	october	PROPN
issue-1691	312	30	7	7	NUM
issue-1691	312	31	)	)	PUNCT
issue-1691	312	32	.	.	PUNCT
issue-1691	313	1	global	global	ADJ
issue-1691	313	2	payments	payment	NOUN
issue-1691	313	3	2021	2021	NUM
issue-1691	313	4	:	:	PUNCT
issue-1691	313	5	transformation	transformation	NOUN
issue-1691	313	6	amid	amid	ADP
issue-1691	313	7	turbulent	turbulent	ADJ
issue-1691	313	8	undercurrents	undercurrent	NOUN
issue-1691	313	9	.	.	PUNCT
issue-1691	314	1	mckinsey	mckinsey	NOUN
issue-1691	314	2	&	&	CCONJ
issue-1691	314	3	company	company	PROPN
issue-1691	314	4	.	.	PUNCT
issue-1691	315	1	available	available	ADJ
issue-1691	315	2	at	at	ADP
issue-1691	315	3	:	:	PUNCT
issue-1691	315	4	https://www.mckinsey.com/industries/financialservices/our-insights/global-payments-2021-transformation-amid-turbulent-undercurrents	https://www.mckinsey.com/industries/financialservices/our-insights/global-payments-2021-transformation-amid-turbulent-undercurrent	NOUN
issue-1691	315	5	sénant	sénant	NOUN
issue-1691	315	6	,	,	PUNCT
issue-1691	315	7	y.	y.	PROPN
issue-1691	315	8	,	,	PUNCT
issue-1691	315	9	ampenberger	ampenberger	NOUN
issue-1691	315	10	,	,	PUNCT
issue-1691	315	11	m.	m.	NOUN
issue-1691	315	12	,	,	PUNCT
issue-1691	315	13	mathur	mathur	PROPN
issue-1691	315	14	,	,	PUNCT
issue-1691	315	15	a.	a.	PROPN
issue-1691	315	16	,	,	PUNCT
issue-1691	315	17	batra	batra	PROPN
issue-1691	315	18	,	,	PUNCT
issue-1691	315	19	i.	i.	PROPN
issue-1691	315	20	,	,	PUNCT
issue-1691	315	21	clavel	clavel	PROPN
issue-1691	315	22	,	,	PUNCT
issue-1691	315	23	j.	j.	PROPN
issue-1691	315	24	,	,	PUNCT
issue-1691	315	25	creemers	creemer	NOUN
issue-1691	315	26	,	,	PUNCT
issue-1691	315	27	t.	t.	PROPN
issue-1691	315	28	,	,	PUNCT
issue-1691	315	29	hirano	hirano	PROPN
issue-1691	315	30	,	,	PUNCT
issue-1691	315	31	t.	t.	PROPN
issue-1691	315	32	,	,	PUNCT
issue-1691	315	33	jhanji	jhanji	PROPN
issue-1691	315	34	,	,	PUNCT
issue-1691	315	35	k.	k.	PROPN
issue-1691	315	36	,	,	PUNCT
issue-1691	315	37	nowicki	nowicki	PROPN
issue-1691	315	38	,	,	PUNCT
issue-1691	315	39	s.	s.	PROPN
issue-1691	315	40	,	,	PUNCT
issue-1691	315	41	strauß	strauß	NOUN
issue-1691	315	42	,	,	PUNCT
issue-1691	315	43	m.	m.	NOUN
issue-1691	315	44	,	,	PUNCT
issue-1691	315	45	tfeli	tfeli	PROPN
issue-1691	315	46	,	,	PUNCT
issue-1691	315	47	a.	a.	PROPN
issue-1691	315	48	,	,	PUNCT
issue-1691	315	49	vaca	vaca	PROPN
issue-1691	315	50	,	,	PUNCT
issue-1691	315	51	á	á	PROPN
issue-1691	315	52	.	.	PROPN
issue-1691	315	53	,	,	PUNCT
issue-1691	315	54	&	&	CCONJ
issue-1691	315	55	zhang	zhang	PROPN
issue-1691	315	56	,	,	PUNCT
issue-1691	315	57	m.	m.	NOUN
issue-1691	315	58	(	(	PUNCT
issue-1691	315	59	2021	2021	NUM
issue-1691	315	60	)	)	PUNCT
issue-1691	315	61	.	.	PUNCT
issue-1691	316	1	global	global	ADJ
issue-1691	316	2	payments	payment	NOUN
issue-1691	316	3	2021	2021	NUM
issue-1691	316	4	:	:	PUNCT
issue-1691	316	5	all	all	PRON
issue-1691	316	6	in	in	ADP
issue-1691	316	7	for	for	ADP
issue-1691	316	8	growth	growth	NOUN
issue-1691	316	9	.	.	PUNCT
issue-1691	317	1	boston	boston	PROPN
issue-1691	317	2	consulting	consulting	PROPN
issue-1691	317	3	group	group	NOUN
issue-1691	317	4	.	.	PUNCT
issue-1691	318	1	available	available	ADJ
issue-1691	318	2	at	at	ADP
issue-1691	318	3	:	:	PUNCT
issue-1691	318	4	https://web-assets.bcg.com/58/30/e7773b6a4c29b79b3673ab21ef66/bcg-globalpayments-2021-report-all-in-for-growth-oct-2021-r.pdf	https://web-assets.bcg.com/58/30/e7773b6a4c29b79b3673ab21ef66/bcg-globalpayments-2021-report-all-in-for-growth-oct-2021-r.pdf	NOUN
issue-1691	318	5	palandrani	palandrani	NOUN
issue-1691	318	6	,	,	PUNCT
issue-1691	318	7	p.	p.	NOUN
issue-1691	318	8	(	(	PUNCT
issue-1691	318	9	2019	2019	NUM
issue-1691	318	10	,	,	PUNCT
issue-1691	318	11	july	july	PROPN
issue-1691	318	12	16	16	NUM
issue-1691	318	13	)	)	PUNCT
issue-1691	318	14	.	.	PUNCT
issue-1691	319	1	fintech	fintech	NOUN
issue-1691	319	2	trends	trend	NOUN
issue-1691	319	3	:	:	PUNCT
issue-1691	319	4	m&a	m&a	PROPN
issue-1691	319	5	and	and	CCONJ
issue-1691	319	6	mobile	mobile	NOUN
issue-1691	319	7	payments	payment	NOUN
issue-1691	319	8	driving	drive	VERB
issue-1691	319	9	recent	recent	ADJ
issue-1691	319	10	growth	growth	NOUN
issue-1691	319	11	.	.	PUNCT
issue-1691	320	1	global	global	ADJ
issue-1691	320	2	x	x	PROPN
issue-1691	320	3	etfs	etfs	PROPN
issue-1691	320	4	,	,	PUNCT
issue-1691	320	5	mirae	mirae	NOUN
issue-1691	320	6	asset	asset	NOUN
issue-1691	320	7	financial	financial	ADJ
issue-1691	320	8	group	group	NOUN
issue-1691	320	9	.	.	PUNCT
issue-1691	321	1	available	available	ADJ
issue-1691	321	2	at	at	ADP
issue-1691	321	3	:	:	PUNCT
issue-1691	321	4	https://www.globalxetfs.com/fintech-trends-ma-andmobile-payments-driving-recent-growth	https://www.globalxetfs.com/fintech-trends-ma-andmobile-payments-driving-recent-growth	PROPN
issue-1691	321	5	freshfields	freshfield	VERB
issue-1691	321	6	bruckhaus	bruckhaus	PROPN
issue-1691	321	7	deringer	deringer	PROPN
issue-1691	321	8	llp	llp	PROPN
issue-1691	321	9	(	(	PUNCT
issue-1691	321	10	2021	2021	NUM
issue-1691	321	11	)	)	PUNCT
issue-1691	321	12	.	.	PUNCT
issue-1691	322	1	fintech	fintech	NOUN
issue-1691	322	2	in	in	ADP
issue-1691	322	3	focus	focus	NOUN
issue-1691	322	4	:	:	PUNCT
issue-1691	322	5	paytech	paytech	NOUN
issue-1691	322	6	m&a	m&a	PROPN
issue-1691	322	7	trends	trend	NOUN
issue-1691	322	8	.	.	PUNCT
issue-1691	323	1	freshfields	freshfield	VERB
issue-1691	323	2	tq	tq	ADP
issue-1691	323	3	.	.	PUNCT
issue-1691	323	4	available	available	ADJ
issue-1691	323	5	at	at	ADP
issue-1691	323	6	:	:	PUNCT
issue-1691	323	7	https://www.freshfields.hk/49ffaa/globalassets/our-thinking/campaigns/tq/fintech/freshfields	https://www.freshfields.hk/49ffaa/globalassets/our-thinking/campaigns/tq/fintech/freshfield	NOUN
issue-1691	323	8	_	_	NOUN
issue-1691	323	9	paytech-trends_072021.pdf	paytech-trends_072021.pdf	NUM
issue-1691	323	10	statistical	statistical	ADJ
issue-1691	323	11	data	data	NOUN
issue-1691	323	12	warehouse	warehouse	NOUN
issue-1691	323	13	(	(	PUNCT
issue-1691	323	14	2021	2021	NUM
issue-1691	323	15	)	)	PUNCT
issue-1691	323	16	.	.	PUNCT
issue-1691	324	1	payment	payment	NOUN
issue-1691	324	2	statistics	statistic	NOUN
issue-1691	324	3	.	.	PUNCT
issue-1691	325	1	european	european	ADJ
issue-1691	325	2	central	central	PROPN
issue-1691	325	3	bank	bank	PROPN
issue-1691	325	4	.	.	PUNCT
issue-1691	326	1	available	available	ADJ
issue-1691	326	2	at	at	ADP
issue-1691	326	3	:	:	PUNCT
issue-1691	326	4	https://sdw.ecb.europa.eu/reports.do?node=1000001386	https://sdw.ecb.europa.eu/reports.do?node=1000001386	ADJ