id sid tid token lemma pos issue-466 1 1 baltic baltic PROPN issue-466 1 2 journal journal PROPN issue-466 1 3 of of ADP issue-466 1 4 economic economic ADJ issue-466 1 5 studies study NOUN issue-466 1 6 349 349 NUM issue-466 1 7 vol vol NOUN issue-466 1 8 . . PROPN issue-466 2 1 4 4 NUM issue-466 2 2 , , PUNCT issue-466 2 3 no no INTJ issue-466 2 4 . . NOUN issue-466 2 5 3 3 NUM issue-466 2 6 , , PUNCT issue-466 2 7 2018 2018 NUM issue-466 2 8 corresponding correspond VERB issue-466 2 9 author author NOUN issue-466 2 10 : : PUNCT issue-466 2 11 1 1 NUM issue-466 2 12 chernihiv chernihiv PROPN issue-466 2 13 national national PROPN issue-466 2 14 university university PROPN issue-466 2 15 of of ADP issue-466 2 16 technology technology NOUN issue-466 2 17 . . PUNCT issue-466 3 1 e e X issue-466 3 2 - - NOUN issue-466 3 3 mail mail NOUN issue-466 3 4 : : PUNCT issue-466 3 5 shkarlet@ukr.net shkarlet@ukr.net NOUN issue-466 3 6 2 2 NUM issue-466 3 7 department department NOUN issue-466 3 8 of of ADP issue-466 3 9 finance finance NOUN issue-466 3 10 , , PUNCT issue-466 3 11 banking banking NOUN issue-466 3 12 and and CCONJ issue-466 3 13 insurance insurance NOUN issue-466 3 14 , , PUNCT issue-466 3 15 chernihiv chernihiv PROPN issue-466 3 16 national national PROPN issue-466 3 17 university university PROPN issue-466 3 18 of of ADP issue-466 3 19 technology technology NOUN issue-466 3 20 . . PUNCT issue-466 4 1 e e X issue-466 4 2 - - NOUN issue-466 4 3 mail mail NOUN issue-466 4 4 : : PUNCT issue-466 4 5 maksim-32@ukr.net maksim-32@ukr.net PROPN issue-466 4 6 3 3 NUM issue-466 4 7 department department NOUN issue-466 4 8 of of ADP issue-466 4 9 economics economic NOUN issue-466 4 10 and and CCONJ issue-466 4 11 business business NOUN issue-466 4 12 finance finance NOUN issue-466 4 13 , , PUNCT issue-466 4 14 kyiv kyiv PROPN issue-466 4 15 national national PROPN issue-466 4 16 university university PROPN issue-466 4 17 of of ADP issue-466 4 18 trade trade NOUN issue-466 4 19 and and CCONJ issue-466 4 20 economics economic NOUN issue-466 4 21 . . PUNCT issue-466 5 1 e e X issue-466 5 2 - - NOUN issue-466 5 3 mail mail NOUN issue-466 5 4 : : PUNCT issue-466 5 5 e_zhuk@ukr.net e_zhuk@ukr.net NOUN issue-466 5 6 doi doi NOUN issue-466 5 7 : : PUNCT issue-466 5 8 https://doi.org/10.30525/2256-0742/2018-4-3-349-357 https://doi.org/10.30525/2256-0742/2018-4-3-349-357 NOUN issue-466 5 9 determinants determinant NOUN issue-466 5 10 of of ADP issue-466 5 11 the the DET issue-466 5 12 financial financial ADJ issue-466 5 13 services service NOUN issue-466 5 14 market market NOUN issue-466 5 15 functioning function VERB issue-466 5 16 in in ADP issue-466 5 17 the the DET issue-466 5 18 era era NOUN issue-466 5 19 of of ADP issue-466 5 20 the the DET issue-466 5 21 informational informational ADJ issue-466 5 22 economy economy NOUN issue-466 5 23 development development NOUN issue-466 5 24 serhiy serhiy PROPN issue-466 5 25 shkarlet1 shkarlet1 NOUN issue-466 5 26 , , PUNCT issue-466 5 27 maksym maksym ADP issue-466 5 28 dubyna2 dubyna2 PROPN issue-466 5 29 chernihiv chernihiv PROPN issue-466 5 30 national national PROPN issue-466 5 31 university university PROPN issue-466 5 32 of of ADP issue-466 5 33 technology technology NOUN issue-466 5 34 , , PUNCT issue-466 5 35 ukraine ukraine PROPN issue-466 5 36 olena olena PROPN issue-466 5 37 zhuk3 zhuk3 PROPN issue-466 5 38 kyiv kyiv PROPN issue-466 5 39 national national PROPN issue-466 5 40 university university PROPN issue-466 5 41 of of ADP issue-466 5 42 trade trade NOUN issue-466 5 43 and and CCONJ issue-466 5 44 economics economic NOUN issue-466 5 45 , , PUNCT issue-466 5 46 ukraine ukraine PROPN issue-466 5 47 abstract abstract NOUN issue-466 5 48 . . PUNCT issue-466 6 1 the the DET issue-466 6 2 financial financial ADJ issue-466 6 3 services service NOUN issue-466 6 4 market market NOUN issue-466 6 5 is be AUX issue-466 6 6 an an DET issue-466 6 7 integral integral ADJ issue-466 6 8 part part NOUN issue-466 6 9 of of ADP issue-466 6 10 the the DET issue-466 6 11 national national ADJ issue-466 6 12 economy economy NOUN issue-466 6 13 of of ADP issue-466 6 14 any any DET issue-466 6 15 country country NOUN issue-466 6 16 . . PUNCT issue-466 7 1 this this PRON issue-466 7 2 causes cause VERB issue-466 7 3 the the DET issue-466 7 4 existence existence NOUN issue-466 7 5 of of ADP issue-466 7 6 the the DET issue-466 7 7 objectively objectively ADV issue-466 7 8 available available ADJ issue-466 7 9 interconnection interconnection NOUN issue-466 7 10 between between ADP issue-466 7 11 the the DET issue-466 7 12 said say VERB issue-466 7 13 systems system NOUN issue-466 7 14 . . PUNCT issue-466 8 1 that that PRON issue-466 8 2 is be AUX issue-466 8 3 why why SCONJ issue-466 8 4 , , PUNCT issue-466 8 5 by by ADP issue-466 8 6 the the DET issue-466 8 7 transformation transformation NOUN issue-466 8 8 of of ADP issue-466 8 9 the the DET issue-466 8 10 outlined outline VERB issue-466 8 11 market market NOUN issue-466 8 12 , , PUNCT issue-466 8 13 some some DET issue-466 8 14 changes change NOUN issue-466 8 15 in in ADP issue-466 8 16 the the DET issue-466 8 17 functioning functioning NOUN issue-466 8 18 of of ADP issue-466 8 19 the the DET issue-466 8 20 national national ADJ issue-466 8 21 economy economy NOUN issue-466 8 22 and and CCONJ issue-466 8 23 vice vice NOUN issue-466 8 24 versa versa ADV issue-466 8 25 take take VERB issue-466 8 26 place place NOUN issue-466 8 27 . . PUNCT issue-466 9 1 the the DET issue-466 9 2 outlined outline VERB issue-466 9 3 processes process NOUN issue-466 9 4 become become VERB issue-466 9 5 the the DET issue-466 9 6 most most ADV issue-466 9 7 comprehensible comprehensible ADJ issue-466 9 8 in in ADP issue-466 9 9 the the DET issue-466 9 10 process process NOUN issue-466 9 11 of of ADP issue-466 9 12 studying study VERB issue-466 9 13 of of ADP issue-466 9 14 issues issue NOUN issue-466 9 15 of of ADP issue-466 9 16 the the DET issue-466 9 17 financial financial ADJ issue-466 9 18 services service NOUN issue-466 9 19 market market NOUN issue-466 9 20 development development NOUN issue-466 9 21 in in ADP issue-466 9 22 the the DET issue-466 9 23 environment environment NOUN issue-466 9 24 of of ADP issue-466 9 25 the the DET issue-466 9 26 active active ADJ issue-466 9 27 introduction introduction NOUN issue-466 9 28 of of ADP issue-466 9 29 the the DET issue-466 9 30 information information NOUN issue-466 9 31 technology technology NOUN issue-466 9 32 by by ADP issue-466 9 33 financial financial ADJ issue-466 9 34 companies company NOUN issue-466 9 35 in in ADP issue-466 9 36 their their PRON issue-466 9 37 work work NOUN issue-466 9 38 , , PUNCT issue-466 9 39 that that ADV issue-466 9 40 is is ADV issue-466 9 41 , , PUNCT issue-466 9 42 generally generally ADV issue-466 9 43 in in ADP issue-466 9 44 the the DET issue-466 9 45 era era NOUN issue-466 9 46 of of ADP issue-466 9 47 the the DET issue-466 9 48 information information NOUN issue-466 9 49 economy economy NOUN issue-466 9 50 development development NOUN issue-466 9 51 . . PUNCT issue-466 10 1 that that PRON issue-466 10 2 is be AUX issue-466 10 3 why why SCONJ issue-466 10 4 , , PUNCT issue-466 10 5 in in ADP issue-466 10 6 view view NOUN issue-466 10 7 of of ADP issue-466 10 8 the the DET issue-466 10 9 above above ADJ issue-466 10 10 , , PUNCT issue-466 10 11 within within ADP issue-466 10 12 the the DET issue-466 10 13 work work NOUN issue-466 10 14 , , PUNCT issue-466 10 15 the the DET issue-466 10 16 purpose purpose NOUN issue-466 10 17 of of ADP issue-466 10 18 the the DET issue-466 10 19 study study NOUN issue-466 10 20 was be AUX issue-466 10 21 defined define VERB issue-466 10 22 as as SCONJ issue-466 10 23 follows follow VERB issue-466 10 24 : : PUNCT issue-466 10 25 the the DET issue-466 10 26 identification identification NOUN issue-466 10 27 and and CCONJ issue-466 10 28 substantiation substantiation NOUN issue-466 10 29 of of ADP issue-466 10 30 the the DET issue-466 10 31 determinants determinant NOUN issue-466 10 32 of of ADP issue-466 10 33 the the DET issue-466 10 34 financial financial ADJ issue-466 10 35 services service NOUN issue-466 10 36 market market NOUN issue-466 10 37 transformation transformation NOUN issue-466 10 38 within within ADP issue-466 10 39 the the DET issue-466 10 40 information information NOUN issue-466 10 41 economy economy NOUN issue-466 10 42 . . PUNCT issue-466 11 1 to to PART issue-466 11 2 achieve achieve VERB issue-466 11 3 this this DET issue-466 11 4 goal goal NOUN issue-466 11 5 , , PUNCT issue-466 11 6 the the DET issue-466 11 7 following follow VERB issue-466 11 8 tasks task NOUN issue-466 11 9 were be AUX issue-466 11 10 set set VERB issue-466 11 11 and and CCONJ issue-466 11 12 solved solve VERB issue-466 11 13 : : PUNCT issue-466 11 14 to to PART issue-466 11 15 define define VERB issue-466 11 16 the the DET issue-466 11 17 essence essence NOUN issue-466 11 18 of of ADP issue-466 11 19 the the DET issue-466 11 20 information information NOUN issue-466 11 21 technology technology NOUN issue-466 11 22 market market NOUN issue-466 11 23 ; ; PUNCT issue-466 11 24 to to PART issue-466 11 25 identify identify VERB issue-466 11 26 the the DET issue-466 11 27 nature nature NOUN issue-466 11 28 of of ADP issue-466 11 29 the the DET issue-466 11 30 information information NOUN issue-466 11 31 economy economy NOUN issue-466 11 32 ; ; PUNCT issue-466 11 33 to to PART issue-466 11 34 substantiate substantiate VERB issue-466 11 35 the the DET issue-466 11 36 advantages advantage NOUN issue-466 11 37 of of ADP issue-466 11 38 information information NOUN issue-466 11 39 technologies technology NOUN issue-466 11 40 introducing introduce VERB issue-466 11 41 in in ADP issue-466 11 42 the the DET issue-466 11 43 field field NOUN issue-466 11 44 of of ADP issue-466 11 45 the the DET issue-466 11 46 financial financial ADJ issue-466 11 47 services service NOUN issue-466 11 48 for for ADP issue-466 11 49 their their PRON issue-466 11 50 consumers consumer NOUN issue-466 11 51 and and CCONJ issue-466 11 52 producers producer NOUN issue-466 11 53 ; ; PUNCT issue-466 11 54 to to PART issue-466 11 55 find find VERB issue-466 11 56 out out ADP issue-466 11 57 the the DET issue-466 11 58 main main ADJ issue-466 11 59 transformational transformational ADJ issue-466 11 60 processes process NOUN issue-466 11 61 in in ADP issue-466 11 62 the the DET issue-466 11 63 financial financial ADJ issue-466 11 64 services service NOUN issue-466 11 65 market market NOUN issue-466 11 66 functioning functioning NOUN issue-466 11 67 , , PUNCT issue-466 11 68 which which PRON issue-466 11 69 occur occur VERB issue-466 11 70 as as ADP issue-466 11 71 a a DET issue-466 11 72 result result NOUN issue-466 11 73 of of ADP issue-466 11 74 the the DET issue-466 11 75 active active ADJ issue-466 11 76 introduction introduction NOUN issue-466 11 77 of of ADP issue-466 11 78 new new ADJ issue-466 11 79 information information NOUN issue-466 11 80 technologies technology NOUN issue-466 11 81 in in ADP issue-466 11 82 the the DET issue-466 11 83 field field NOUN issue-466 11 84 of of ADP issue-466 11 85 financial financial ADJ issue-466 11 86 services service NOUN issue-466 11 87 provision provision NOUN issue-466 11 88 . . PUNCT issue-466 12 1 method method NOUN issue-466 12 2 . . PUNCT issue-466 13 1 the the DET issue-466 13 2 classic classic ADJ issue-466 13 3 methods method NOUN issue-466 13 4 of of ADP issue-466 13 5 scientific scientific ADJ issue-466 13 6 research research NOUN issue-466 13 7 are be AUX issue-466 13 8 used use VERB issue-466 13 9 in in ADP issue-466 13 10 the the DET issue-466 13 11 article article NOUN issue-466 13 12 , , PUNCT issue-466 13 13 among among ADP issue-466 13 14 which which PRON issue-466 13 15 are be AUX issue-466 13 16 the the DET issue-466 13 17 following follow VERB issue-466 13 18 : : PUNCT issue-466 13 19 observation observation NOUN issue-466 13 20 , , PUNCT issue-466 13 21 abstraction abstraction NOUN issue-466 13 22 , , PUNCT issue-466 13 23 comparison comparison NOUN issue-466 13 24 , , PUNCT issue-466 13 25 systematic systematic ADJ issue-466 13 26 approach approach NOUN issue-466 13 27 , , PUNCT issue-466 13 28 analysis analysis NOUN issue-466 13 29 , , PUNCT issue-466 13 30 and and CCONJ issue-466 13 31 synthesis synthesis NOUN issue-466 13 32 . . PUNCT issue-466 14 1 results result NOUN issue-466 14 2 . . PUNCT issue-466 15 1 the the DET issue-466 15 2 peculiarities peculiarity NOUN issue-466 15 3 of of ADP issue-466 15 4 the the DET issue-466 15 5 financial financial ADJ issue-466 15 6 services service NOUN issue-466 15 7 market market NOUN issue-466 15 8 development development NOUN issue-466 15 9 in in ADP issue-466 15 10 ukraine ukraine PROPN issue-466 15 11 are be AUX issue-466 15 12 investigated investigate VERB issue-466 15 13 ; ; PUNCT issue-466 15 14 the the DET issue-466 15 15 characteristic characteristic ADJ issue-466 15 16 features feature NOUN issue-466 15 17 of of ADP issue-466 15 18 the the DET issue-466 15 19 influence influence NOUN issue-466 15 20 of of ADP issue-466 15 21 the the DET issue-466 15 22 information information NOUN issue-466 15 23 technologies technology NOUN issue-466 15 24 introduction introduction NOUN issue-466 15 25 in in ADP issue-466 15 26 the the DET issue-466 15 27 sphere sphere NOUN issue-466 15 28 of of ADP issue-466 15 29 providing provide VERB issue-466 15 30 the the DET issue-466 15 31 financial financial ADJ issue-466 15 32 services service NOUN issue-466 15 33 on on ADP issue-466 15 34 their their PRON issue-466 15 35 consumers consumer NOUN issue-466 15 36 and and CCONJ issue-466 15 37 producers producer NOUN issue-466 15 38 activity activity NOUN issue-466 15 39 are be AUX issue-466 15 40 analysed analyse VERB issue-466 15 41 . . PUNCT issue-466 16 1 the the DET issue-466 16 2 main main ADJ issue-466 16 3 determinants determinant NOUN issue-466 16 4 of of ADP issue-466 16 5 the the DET issue-466 16 6 financial financial ADJ issue-466 16 7 services service NOUN issue-466 16 8 market market NOUN issue-466 16 9 functioning function VERB issue-466 16 10 during during ADP issue-466 16 11 the the DET issue-466 16 12 era era NOUN issue-466 16 13 of of ADP issue-466 16 14 the the DET issue-466 16 15 information information NOUN issue-466 16 16 economy economy NOUN issue-466 16 17 development development NOUN issue-466 16 18 were be AUX issue-466 16 19 also also ADV issue-466 16 20 identified identify VERB issue-466 16 21 , , PUNCT issue-466 16 22 which which PRON issue-466 16 23 include include VERB issue-466 16 24 the the DET issue-466 16 25 following following NOUN issue-466 16 26 : : PUNCT issue-466 16 27 the the DET issue-466 16 28 introduction introduction NOUN issue-466 16 29 of of ADP issue-466 16 30 the the DET issue-466 16 31 online online ADJ issue-466 16 32 platforms platform NOUN issue-466 16 33 for for ADP issue-466 16 34 the the DET issue-466 16 35 customers customer NOUN issue-466 16 36 servicing service VERB issue-466 16 37 , , PUNCT issue-466 16 38 improving improve VERB issue-466 16 39 the the DET issue-466 16 40 quality quality NOUN issue-466 16 41 of of ADP issue-466 16 42 the the DET issue-466 16 43 banking banking NOUN issue-466 16 44 settlement settlement NOUN issue-466 16 45 and and CCONJ issue-466 16 46 cash cash NOUN issue-466 16 47 services service NOUN issue-466 16 48 , , PUNCT issue-466 16 49 change change NOUN issue-466 16 50 in in ADP issue-466 16 51 the the DET issue-466 16 52 process process NOUN issue-466 16 53 of of ADP issue-466 16 54 granting grant VERB issue-466 16 55 loans loan NOUN issue-466 16 56 to to ADP issue-466 16 57 the the DET issue-466 16 58 economic economic ADJ issue-466 16 59 actors actor NOUN issue-466 16 60 . . PUNCT issue-466 17 1 the the DET issue-466 17 2 reasons reason NOUN issue-466 17 3 for for ADP issue-466 17 4 such such ADJ issue-466 17 5 changes change NOUN issue-466 17 6 and and CCONJ issue-466 17 7 their their PRON issue-466 17 8 peculiarities peculiarity NOUN issue-466 17 9 are be AUX issue-466 17 10 substantiated substantiate VERB issue-466 17 11 . . PUNCT issue-466 18 1 practical practical ADJ issue-466 18 2 implications implication NOUN issue-466 18 3 . . PUNCT issue-466 19 1 the the DET issue-466 19 2 obtained obtain VERB issue-466 19 3 results result NOUN issue-466 19 4 form form VERB issue-466 19 5 the the DET issue-466 19 6 theoretical theoretical ADJ issue-466 19 7 basis basis NOUN issue-466 19 8 for for ADP issue-466 19 9 the the DET issue-466 19 10 knowledge knowledge NOUN issue-466 19 11 of of ADP issue-466 19 12 the the DET issue-466 19 13 financial financial ADJ issue-466 19 14 services service NOUN issue-466 19 15 market market NOUN issue-466 19 16 transformations transformation NOUN issue-466 19 17 in in ADP issue-466 19 18 the the DET issue-466 19 19 process process NOUN issue-466 19 20 of of ADP issue-466 19 21 the the DET issue-466 19 22 active active ADJ issue-466 19 23 development development NOUN issue-466 19 24 of of ADP issue-466 19 25 information information NOUN issue-466 19 26 technologies technology NOUN issue-466 19 27 and and CCONJ issue-466 19 28 allow allow VERB issue-466 19 29 determining determine VERB issue-466 19 30 the the DET issue-466 19 31 basic basic ADJ issue-466 19 32 trends trend NOUN issue-466 19 33 of of ADP issue-466 19 34 such such ADJ issue-466 19 35 changes change NOUN issue-466 19 36 . . PUNCT issue-466 20 1 also also ADV issue-466 20 2 , , PUNCT issue-466 20 3 the the DET issue-466 20 4 results result NOUN issue-466 20 5 of of ADP issue-466 20 6 the the DET issue-466 20 7 study study NOUN issue-466 20 8 provide provide VERB issue-466 20 9 an an DET issue-466 20 10 opportunity opportunity NOUN issue-466 20 11 to to PART issue-466 20 12 identify identify VERB issue-466 20 13 further further ADJ issue-466 20 14 trends trend NOUN issue-466 20 15 in in ADP issue-466 20 16 the the DET issue-466 20 17 changing change VERB issue-466 20 18 financial financial ADJ issue-466 20 19 services service NOUN issue-466 20 20 market market NOUN issue-466 20 21 , , PUNCT issue-466 20 22 models model NOUN issue-466 20 23 of of ADP issue-466 20 24 the the DET issue-466 20 25 financial financial ADJ issue-466 20 26 intermediaries intermediary NOUN issue-466 20 27 ’ ' PUNCT issue-466 20 28 functioning functioning NOUN issue-466 20 29 , , PUNCT issue-466 20 30 and and CCONJ issue-466 20 31 use use VERB issue-466 20 32 this this DET issue-466 20 33 knowledge knowledge NOUN issue-466 20 34 by by ADP issue-466 20 35 planning plan VERB issue-466 20 36 and and CCONJ issue-466 20 37 forecasting forecast VERB issue-466 20 38 the the DET issue-466 20 39 financial financial ADJ issue-466 20 40 intermediaries intermediary NOUN issue-466 20 41 ’ ' PUNCT issue-466 20 42 activities activity NOUN issue-466 20 43 . . PUNCT issue-466 21 1 value value NOUN issue-466 21 2 / / SYM issue-466 21 3 originality originality NOUN issue-466 21 4 . . PUNCT issue-466 22 1 the the DET issue-466 22 2 conducted conduct VERB issue-466 22 3 research research NOUN issue-466 22 4 is be AUX issue-466 22 5 relevant relevant ADJ issue-466 22 6 , , PUNCT issue-466 22 7 taking take VERB issue-466 22 8 into into ADP issue-466 22 9 consideration consideration NOUN issue-466 22 10 the the DET issue-466 22 11 total total ADJ issue-466 22 12 impact impact NOUN issue-466 22 13 of of ADP issue-466 22 14 the the DET issue-466 22 15 information information NOUN issue-466 22 16 technology technology NOUN issue-466 22 17 on on ADP issue-466 22 18 the the DET issue-466 22 19 development development NOUN issue-466 22 20 of of ADP issue-466 22 21 all all DET issue-466 22 22 spheres sphere NOUN issue-466 22 23 of of ADP issue-466 22 24 the the DET issue-466 22 25 society society NOUN issue-466 22 26 , , PUNCT issue-466 22 27 takes take VERB issue-466 22 28 into into ADP issue-466 22 29 account account NOUN issue-466 22 30 the the DET issue-466 22 31 peculiarities peculiarity NOUN issue-466 22 32 of of ADP issue-466 22 33 the the DET issue-466 22 34 financial financial ADJ issue-466 22 35 services service NOUN issue-466 22 36 market market NOUN issue-466 22 37 development development NOUN issue-466 22 38 under under ADP issue-466 22 39 the the DET issue-466 22 40 pressure pressure NOUN issue-466 22 41 of of ADP issue-466 22 42 such such ADJ issue-466 22 43 technologies technology NOUN issue-466 22 44 . . PUNCT issue-466 23 1 this this DET issue-466 23 2 research research NOUN issue-466 23 3 was be AUX issue-466 23 4 carried carry VERB issue-466 23 5 out out ADP issue-466 23 6 within within ADP issue-466 23 7 the the DET issue-466 23 8 framework framework NOUN issue-466 23 9 of of ADP issue-466 23 10 the the DET issue-466 23 11 scientific scientific ADJ issue-466 23 12 work work NOUN issue-466 23 13 implementation implementation NOUN issue-466 23 14 of of ADP issue-466 23 15 the the DET issue-466 23 16 department department NOUN issue-466 23 17 of of ADP issue-466 23 18 finance finance NOUN issue-466 23 19 , , PUNCT issue-466 23 20 banking banking NOUN issue-466 23 21 , , PUNCT issue-466 23 22 and and CCONJ issue-466 23 23 insurance insurance NOUN issue-466 23 24 of of ADP issue-466 23 25 chernihiv chernihiv PROPN issue-466 23 26 national national PROPN issue-466 23 27 university university PROPN issue-466 23 28 of of ADP issue-466 23 29 technology technology NOUN issue-466 23 30 ( ( PUNCT issue-466 23 31 no no INTJ issue-466 23 32 . . NOUN issue-466 23 33 0115u001149 0115u001149 NOUN issue-466 23 34 ) ) PUNCT issue-466 23 35 on on ADP issue-466 23 36 the the DET issue-466 23 37 topic topic NOUN issue-466 23 38 : : PUNCT issue-466 23 39 “ " PUNCT issue-466 23 40 financial financial ADJ issue-466 23 41 stability stability NOUN issue-466 23 42 of of ADP issue-466 23 43 the the DET issue-466 23 44 economic economic ADJ issue-466 23 45 systems system NOUN issue-466 23 46 in in ADP issue-466 23 47 the the DET issue-466 23 48 crisis crisis NOUN issue-466 23 49 conditions condition NOUN issue-466 23 50 of of ADP issue-466 23 51 management management NOUN issue-466 23 52 ” " PUNCT issue-466 23 53 . . PUNCT issue-466 24 1 key key ADJ issue-466 24 2 words word NOUN issue-466 24 3 : : PUNCT issue-466 24 4 financial financial ADJ issue-466 24 5 service service NOUN issue-466 24 6 , , PUNCT issue-466 24 7 financial financial ADJ issue-466 24 8 institution institution NOUN issue-466 24 9 , , PUNCT issue-466 24 10 fintech fintech NOUN issue-466 24 11 company company NOUN issue-466 24 12 , , PUNCT issue-466 24 13 phishing phishing NOUN issue-466 24 14 , , PUNCT issue-466 24 15 information information NOUN issue-466 24 16 technologies technology NOUN issue-466 24 17 . . PUNCT issue-466 25 1 jel jel PROPN issue-466 25 2 classification classification NOUN issue-466 25 3 : : PUNCT issue-466 26 1 g2 g2 PROPN issue-466 26 2 , , PUNCT issue-466 26 3 g23 g23 PROPN issue-466 26 4 , , PUNCT issue-466 26 5 o32 o32 ADJ issue-466 26 6 baltic baltic ADJ issue-466 26 7 journal journal NOUN issue-466 26 8 of of ADP issue-466 26 9 economic economic ADJ issue-466 26 10 studies study NOUN issue-466 26 11 350 350 NUM issue-466 26 12 vol vol NOUN issue-466 26 13 . . PROPN issue-466 26 14 4 4 NUM issue-466 26 15 , , PUNCT issue-466 26 16 no no INTJ issue-466 26 17 . . NOUN issue-466 26 18 3 3 NUM issue-466 26 19 , , PUNCT issue-466 26 20 2018 2018 NUM issue-466 26 21 1 1 NUM issue-466 26 22 . . PUNCT issue-466 26 23 introductions introduction NOUN issue-466 26 24 in in ADP issue-466 26 25 the the DET issue-466 26 26 modern modern ADJ issue-466 26 27 world world NOUN issue-466 26 28 , , PUNCT issue-466 26 29 the the DET issue-466 26 30 information information NOUN issue-466 26 31 technologies technology NOUN issue-466 26 32 penetrate penetrate VERB issue-466 26 33 all all DET issue-466 26 34 spheres sphere NOUN issue-466 26 35 of of ADP issue-466 26 36 the the DET issue-466 26 37 society society NOUN issue-466 26 38 and and CCONJ issue-466 26 39 determine determine VERB issue-466 26 40 the the DET issue-466 26 41 further further ADJ issue-466 26 42 development development NOUN issue-466 26 43 of of ADP issue-466 26 44 many many ADJ issue-466 26 45 of of ADP issue-466 26 46 them they PRON issue-466 26 47 . . PUNCT issue-466 27 1 the the DET issue-466 27 2 outlined outline VERB issue-466 27 3 technologies technology NOUN issue-466 27 4 become become VERB issue-466 27 5 the the DET issue-466 27 6 drivers driver NOUN issue-466 27 7 of of ADP issue-466 27 8 colossal colossal ADJ issue-466 27 9 changes change NOUN issue-466 27 10 within within ADP issue-466 27 11 different different ADJ issue-466 27 12 social social ADJ issue-466 27 13 systems system NOUN issue-466 27 14 and and CCONJ issue-466 27 15 transform transform VERB issue-466 27 16 their their PRON issue-466 27 17 functioning functioning NOUN issue-466 27 18 , , PUNCT issue-466 27 19 adapting adapt VERB issue-466 27 20 it it PRON issue-466 27 21 to to ADP issue-466 27 22 the the DET issue-466 27 23 new new ADJ issue-466 27 24 requirements requirement NOUN issue-466 27 25 of of ADP issue-466 27 26 our our PRON issue-466 27 27 reality reality NOUN issue-466 27 28 . . PUNCT issue-466 28 1 the the DET issue-466 28 2 use use NOUN issue-466 28 3 of of ADP issue-466 28 4 the the DET issue-466 28 5 information information NOUN issue-466 28 6 technology technology NOUN issue-466 28 7 is be AUX issue-466 28 8 an an DET issue-466 28 9 objective objective ADJ issue-466 28 10 condition condition NOUN issue-466 28 11 for for ADP issue-466 28 12 further further ADJ issue-466 28 13 progress progress NOUN issue-466 28 14 of of ADP issue-466 28 15 a a DET issue-466 28 16 society society NOUN issue-466 28 17 , , PUNCT issue-466 28 18 states state NOUN issue-466 28 19 , , PUNCT issue-466 28 20 regions region NOUN issue-466 28 21 , , PUNCT issue-466 28 22 individual individual ADJ issue-466 28 23 enterprises enterprise NOUN issue-466 28 24 , , PUNCT issue-466 28 25 and and CCONJ issue-466 28 26 every every DET issue-466 28 27 person person NOUN issue-466 28 28 . . PUNCT issue-466 29 1 information information NOUN issue-466 29 2 becomes become VERB issue-466 29 3 not not PART issue-466 29 4 only only ADV issue-466 29 5 the the DET issue-466 29 6 most most ADV issue-466 29 7 important important ADJ issue-466 29 8 resource resource NOUN issue-466 29 9 of of ADP issue-466 29 10 progress progress NOUN issue-466 29 11 but but CCONJ issue-466 29 12 also also ADV issue-466 29 13 an an DET issue-466 29 14 objective objective ADJ issue-466 29 15 condition condition NOUN issue-466 29 16 for for ADP issue-466 29 17 its its PRON issue-466 29 18 implementation implementation NOUN issue-466 29 19 . . PUNCT issue-466 30 1 the the DET issue-466 30 2 information information NOUN issue-466 30 3 technologies technology NOUN issue-466 30 4 that that PRON issue-466 30 5 have have AUX issue-466 30 6 already already ADV issue-466 30 7 filled fill VERB issue-466 30 8 up up ADP issue-466 30 9 all all DET issue-466 30 10 spheres sphere NOUN issue-466 30 11 of of ADP issue-466 30 12 human human ADJ issue-466 30 13 life life NOUN issue-466 30 14 are be AUX issue-466 30 15 actively actively ADV issue-466 30 16 used use VERB issue-466 30 17 in in ADP issue-466 30 18 the the DET issue-466 30 19 functioning functioning NOUN issue-466 30 20 of of ADP issue-466 30 21 economic economic ADJ issue-466 30 22 systems system NOUN issue-466 30 23 of of ADP issue-466 30 24 various various ADJ issue-466 30 25 types type NOUN issue-466 30 26 . . PUNCT issue-466 31 1 in in ADP issue-466 31 2 the the DET issue-466 31 3 dualistic dualistic ADJ issue-466 31 4 unity unity NOUN issue-466 31 5 of of ADP issue-466 31 6 the the DET issue-466 31 7 economy economy NOUN issue-466 31 8 and and CCONJ issue-466 31 9 information information NOUN issue-466 31 10 technology technology NOUN issue-466 31 11 , , PUNCT issue-466 31 12 the the DET issue-466 31 13 information information NOUN issue-466 31 14 economy economy NOUN issue-466 31 15 has have AUX issue-466 31 16 emerged emerge VERB issue-466 31 17 and and CCONJ issue-466 31 18 is be AUX issue-466 31 19 actively actively ADV issue-466 31 20 developing develop VERB issue-466 31 21 . . PUNCT issue-466 32 1 for for ADP issue-466 32 2 the the DET issue-466 32 3 economic economic ADJ issue-466 32 4 structures structure NOUN issue-466 32 5 , , PUNCT issue-466 32 6 the the DET issue-466 32 7 outlined outline VERB issue-466 32 8 technologies technology NOUN issue-466 32 9 have have VERB issue-466 32 10 huge huge ADJ issue-466 32 11 potential potential NOUN issue-466 32 12 for for ADP issue-466 32 13 their their PRON issue-466 32 14 further further ADJ issue-466 32 15 development development NOUN issue-466 32 16 , , PUNCT issue-466 32 17 increasing increase VERB issue-466 32 18 the the DET issue-466 32 19 efficiency efficiency NOUN issue-466 32 20 of of ADP issue-466 32 21 functioning function VERB issue-466 32 22 and and CCONJ issue-466 32 23 increasing increase VERB issue-466 32 24 the the DET issue-466 32 25 competitiveness competitiveness NOUN issue-466 32 26 of of ADP issue-466 32 27 many many ADJ issue-466 32 28 markets market NOUN issue-466 32 29 for for ADP issue-466 32 30 goods good NOUN issue-466 32 31 , , PUNCT issue-466 32 32 services service NOUN issue-466 32 33 , , PUNCT issue-466 32 34 and and CCONJ issue-466 32 35 capital capital NOUN issue-466 32 36 . . PUNCT issue-466 33 1 the the DET issue-466 33 2 financial financial ADJ issue-466 33 3 services service NOUN issue-466 33 4 market market NOUN issue-466 33 5 is be AUX issue-466 33 6 an an DET issue-466 33 7 objectively objectively ADV issue-466 33 8 existing exist VERB issue-466 33 9 and and CCONJ issue-466 33 10 integral integral ADJ issue-466 33 11 part part NOUN issue-466 33 12 of of ADP issue-466 33 13 the the DET issue-466 33 14 financial financial ADJ issue-466 33 15 market market NOUN issue-466 33 16 functioning functioning NOUN issue-466 33 17 of of ADP issue-466 33 18 the the DET issue-466 33 19 country country NOUN issue-466 33 20 and and CCONJ issue-466 33 21 the the DET issue-466 33 22 national national ADJ issue-466 33 23 economy economy NOUN issue-466 33 24 . . PUNCT issue-466 34 1 in in ADP issue-466 34 2 its its PRON issue-466 34 3 essence essence NOUN issue-466 34 4 , , PUNCT issue-466 34 5 the the DET issue-466 34 6 outlined outline VERB issue-466 34 7 market market NOUN issue-466 34 8 is be AUX issue-466 34 9 an an DET issue-466 34 10 open open ADJ issue-466 34 11 and and CCONJ issue-466 34 12 complex complex ADJ issue-466 34 13 system system NOUN issue-466 34 14 , , PUNCT issue-466 34 15 which which PRON issue-466 34 16 actively actively ADV issue-466 34 17 interacts interact VERB issue-466 34 18 with with ADP issue-466 34 19 the the DET issue-466 34 20 external external ADJ issue-466 34 21 environment environment NOUN issue-466 34 22 . . PUNCT issue-466 35 1 this this PRON issue-466 35 2 necessitates necessitate VERB issue-466 35 3 the the DET issue-466 35 4 transformation transformation NOUN issue-466 35 5 of of ADP issue-466 35 6 such such DET issue-466 35 7 a a DET issue-466 35 8 market market NOUN issue-466 35 9 under under ADP issue-466 35 10 the the DET issue-466 35 11 pressure pressure NOUN issue-466 35 12 of of ADP issue-466 35 13 various various ADJ issue-466 35 14 factors factor NOUN issue-466 35 15 of of ADP issue-466 35 16 external external ADJ issue-466 35 17 influence influence NOUN issue-466 35 18 , , PUNCT issue-466 35 19 including include VERB issue-466 35 20 the the DET issue-466 35 21 information information NOUN issue-466 35 22 technology technology NOUN issue-466 35 23 . . PUNCT issue-466 36 1 given give VERB issue-466 36 2 the the DET issue-466 36 3 fact fact NOUN issue-466 36 4 that that SCONJ issue-466 36 5 within within ADP issue-466 36 6 the the DET issue-466 36 7 financial financial ADJ issue-466 36 8 services service NOUN issue-466 36 9 market market NOUN issue-466 36 10 , , PUNCT issue-466 36 11 there there PRON issue-466 36 12 is be VERB issue-466 36 13 a a DET issue-466 36 14 movement movement NOUN issue-466 36 15 of of ADP issue-466 36 16 the the DET issue-466 36 17 financial financial ADJ issue-466 36 18 resources resource NOUN issue-466 36 19 between between ADP issue-466 36 20 individual individual ADJ issue-466 36 21 entities entity NOUN issue-466 36 22 since since SCONJ issue-466 36 23 , , PUNCT issue-466 36 24 within within ADP issue-466 36 25 such such DET issue-466 36 26 a a DET issue-466 36 27 process process NOUN issue-466 36 28 , , PUNCT issue-466 36 29 some some PRON issue-466 36 30 of of ADP issue-466 36 31 them they PRON issue-466 36 32 transfer transfer VERB issue-466 36 33 funds fund NOUN issue-466 36 34 to to ADP issue-466 36 35 the the DET issue-466 36 36 disposal disposal NOUN issue-466 36 37 of of ADP issue-466 36 38 others other NOUN issue-466 36 39 , , PUNCT issue-466 36 40 then then ADV issue-466 36 41 the the DET issue-466 36 42 information information NOUN issue-466 36 43 technologies technology NOUN issue-466 36 44 provide provide VERB issue-466 36 45 enormous enormous ADJ issue-466 36 46 opportunities opportunity NOUN issue-466 36 47 for for ADP issue-466 36 48 increasing increase VERB issue-466 36 49 the the DET issue-466 36 50 efficiency efficiency NOUN issue-466 36 51 of of ADP issue-466 36 52 the the DET issue-466 36 53 outlined outline VERB issue-466 36 54 process process NOUN issue-466 36 55 , , PUNCT issue-466 36 56 increasing increase VERB issue-466 36 57 the the DET issue-466 36 58 level level NOUN issue-466 36 59 of of ADP issue-466 36 60 trust trust NOUN issue-466 36 61 between between ADP issue-466 36 62 the the DET issue-466 36 63 producers producer NOUN issue-466 36 64 and and CCONJ issue-466 36 65 the the DET issue-466 36 66 consumers consumer NOUN issue-466 36 67 of of ADP issue-466 36 68 the the DET issue-466 36 69 financial financial ADJ issue-466 36 70 services service NOUN issue-466 36 71 , , PUNCT issue-466 36 72 and and CCONJ issue-466 36 73 accelerating accelerate VERB issue-466 36 74 the the DET issue-466 36 75 development development NOUN issue-466 36 76 of of ADP issue-466 36 77 such such DET issue-466 36 78 a a DET issue-466 36 79 market market NOUN issue-466 36 80 . . PUNCT issue-466 37 1 the the DET issue-466 37 2 current current ADJ issue-466 37 3 financial financial ADJ issue-466 37 4 services service NOUN issue-466 37 5 market market NOUN issue-466 37 6 in in ADP issue-466 37 7 ukraine ukraine NOUN issue-466 37 8 is be AUX issue-466 37 9 developing develop VERB issue-466 37 10 at at ADP issue-466 37 11 a a DET issue-466 37 12 fast fast ADJ issue-466 37 13 pace pace NOUN issue-466 37 14 , , PUNCT issue-466 37 15 experiencing experience VERB issue-466 37 16 periodic periodic ADJ issue-466 37 17 crises crisis NOUN issue-466 37 18 of of ADP issue-466 37 19 a a DET issue-466 37 20 different different ADJ issue-466 37 21 nature nature NOUN issue-466 37 22 . . PUNCT issue-466 38 1 however however ADV issue-466 38 2 , , PUNCT issue-466 38 3 the the DET issue-466 38 4 financial financial ADJ issue-466 38 5 institutions institution NOUN issue-466 38 6 are be AUX issue-466 38 7 some some PRON issue-466 38 8 of of ADP issue-466 38 9 the the DET issue-466 38 10 first first ADJ issue-466 38 11 economic economic ADJ issue-466 38 12 entities entity NOUN issue-466 38 13 trying try VERB issue-466 38 14 to to PART issue-466 38 15 implement implement VERB issue-466 38 16 the the DET issue-466 38 17 information information NOUN issue-466 38 18 technology technology NOUN issue-466 38 19 in in ADP issue-466 38 20 their their PRON issue-466 38 21 activities activity NOUN issue-466 38 22 , , PUNCT issue-466 38 23 as as SCONJ issue-466 38 24 it it PRON issue-466 38 25 increases increase VERB issue-466 38 26 both both PRON issue-466 38 27 their their PRON issue-466 38 28 competitiveness competitiveness NOUN issue-466 38 29 and and CCONJ issue-466 38 30 the the DET issue-466 38 31 quality quality NOUN issue-466 38 32 of of ADP issue-466 38 33 the the DET issue-466 38 34 service service NOUN issue-466 38 35 provision provision NOUN issue-466 38 36 to to ADP issue-466 38 37 their their PRON issue-466 38 38 clients client NOUN issue-466 38 39 . . PUNCT issue-466 39 1 such such DET issue-466 39 2 a a DET issue-466 39 3 process process NOUN issue-466 39 4 is be AUX issue-466 39 5 ongoing ongoing ADJ issue-466 39 6 and and CCONJ issue-466 39 7 every every DET issue-466 39 8 year year NOUN issue-466 39 9 the the DET issue-466 39 10 level level NOUN issue-466 39 11 of of ADP issue-466 39 12 transformation transformation NOUN issue-466 39 13 of of ADP issue-466 39 14 the the DET issue-466 39 15 financial financial ADJ issue-466 39 16 services service NOUN issue-466 39 17 market market NOUN issue-466 39 18 under under ADP issue-466 39 19 the the DET issue-466 39 20 influence influence NOUN issue-466 39 21 of of ADP issue-466 39 22 the the DET issue-466 39 23 information information NOUN issue-466 39 24 technology technology NOUN issue-466 39 25 is be AUX issue-466 39 26 only only ADV issue-466 39 27 increasing increase VERB issue-466 39 28 . . PUNCT issue-466 40 1 the the DET issue-466 40 2 above above ADJ issue-466 40 3 outlines outline VERB issue-466 40 4 the the DET issue-466 40 5 necessity necessity NOUN issue-466 40 6 of of ADP issue-466 40 7 studying study VERB issue-466 40 8 the the DET issue-466 40 9 peculiarities peculiarity NOUN issue-466 40 10 of of ADP issue-466 40 11 the the DET issue-466 40 12 information information NOUN issue-466 40 13 technologies technology NOUN issue-466 40 14 influence influence NOUN issue-466 40 15 on on ADP issue-466 40 16 the the DET issue-466 40 17 financial financial ADJ issue-466 40 18 services service NOUN issue-466 40 19 market market NOUN issue-466 40 20 , , PUNCT issue-466 40 21 identifying identify VERB issue-466 40 22 the the DET issue-466 40 23 main main ADJ issue-466 40 24 determinants determinant NOUN issue-466 40 25 of of ADP issue-466 40 26 this this DET issue-466 40 27 market market NOUN issue-466 40 28 transformation transformation NOUN issue-466 40 29 within within ADP issue-466 40 30 the the DET issue-466 40 31 information information NOUN issue-466 40 32 economy economy NOUN issue-466 40 33 . . PUNCT issue-466 41 1 issues issue NOUN issue-466 41 2 of of ADP issue-466 41 3 the the DET issue-466 41 4 information information NOUN issue-466 41 5 economy economy NOUN issue-466 41 6 are be AUX issue-466 41 7 being be AUX issue-466 41 8 studied study VERB issue-466 41 9 by by ADP issue-466 41 10 many many ADJ issue-466 41 11 scholars scholar NOUN issue-466 41 12 today today NOUN issue-466 41 13 , , PUNCT issue-466 41 14 among among ADP issue-466 41 15 which which PRON issue-466 41 16 the the DET issue-466 41 17 following follow VERB issue-466 41 18 should should AUX issue-466 41 19 be be AUX issue-466 41 20 highlighted highlight VERB issue-466 41 21 first first ADV issue-466 41 22 of of ADP issue-466 41 23 all all PRON issue-466 41 24 : : PUNCT issue-466 41 25 antonenko antonenko PROPN issue-466 41 26 b.g b.g PROPN issue-466 41 27 . . PROPN issue-466 41 28 , , PUNCT issue-466 41 29 bazhal bazhal VERB issue-466 41 30 yu yu PROPN issue-466 41 31 . . PROPN issue-466 41 32 , , PUNCT issue-466 41 33 geyets geyet VERB issue-466 41 34 v.m v.m PROPN issue-466 41 35 . . PROPN issue-466 41 36 , , PUNCT issue-466 41 37 graham graham PROPN issue-466 41 38 t. t. PROPN issue-466 41 39 , , PUNCT issue-466 41 40 grynkevych grynkevych PROPN issue-466 41 41     SPACE issue-466 41 42 s.s s.s PROPN issue-466 41 43 . . PROPN issue-466 41 44 , , PUNCT issue-466 41 45 gryshchenko gryshchenko NOUN issue-466 41 46     SPACE issue-466 41 47 a.a a.a PROPN issue-466 41 48 . . PROPN issue-466 41 49 , , PUNCT issue-466 41 50 gruzina gruzina PROPN issue-466 41 51 i.a i.a PROPN issue-466 41 52 . . PROPN issue-466 41 53 , , PUNCT issue-466 41 54 dziad dziad PROPN issue-466 41 55 o.v o.v PROPN issue-466 41 56 . . PROPN issue-466 41 57 , , PUNCT issue-466 41 58 krystynevych krystynevych PROPN issue-466 41 59 s.a s.a PROPN issue-466 41 60 . . PROPN issue-466 41 61 , , PUNCT issue-466 42 1 malyk malyk PROPN issue-466 42 2 i.p i.p PROPN issue-466 42 3 . . PROPN issue-466 42 4 , , PUNCT issue-466 42 5 nikolayev nikolayev PROPN issue-466 42 6 ye.b ye.b PROPN issue-466 42 7 . . PROPN issue-466 42 8 , , PUNCT issue-466 42 9 popadynets popadynet VERB issue-466 43 1 o.v o.v PROPN issue-466 43 2 . . PROPN issue-466 43 3 , , PUNCT issue-466 43 4 sukharev sukharev VERB issue-466 43 5 o.s o.s PROPN issue-466 43 6 . . PROPN issue-466 43 7 , , PUNCT issue-466 43 8 tolstiakov tolstiakov PROPN issue-466 44 1 r.r r.r PROPN issue-466 44 2 . . PROPN issue-466 44 3 , , PUNCT issue-466 44 4 chumachenko chumachenko PROPN issue-466 44 5 m.ye m.ye PROPN issue-466 44 6 . . PROPN issue-466 44 7 , , PUNCT issue-466 44 8 and and CCONJ issue-466 44 9 others other NOUN issue-466 44 10 . . PUNCT issue-466 45 1 the the DET issue-466 45 2 issue issue NOUN issue-466 45 3 of of ADP issue-466 45 4 the the DET issue-466 45 5 financial financial ADJ issue-466 45 6 services service NOUN issue-466 45 7 market market NOUN issue-466 45 8 functioning function VERB issue-466 45 9 is be AUX issue-466 45 10 found find VERB issue-466 45 11 in in ADP issue-466 45 12 the the DET issue-466 45 13 scientific scientific ADJ issue-466 45 14 works work NOUN issue-466 45 15 of of ADP issue-466 45 16 such such ADJ issue-466 45 17 scholars scholar NOUN issue-466 45 18 : : PUNCT issue-466 45 19 asmadson asmadson PROPN issue-466 45 20 а а PROPN issue-466 45 21 . . PROPN issue-466 45 22 , , PUNCT issue-466 45 23 bobrov bobrov PROPN issue-466 45 24 ye.a ye.a PROPN issue-466 45 25 . . PUNCT issue-466 46 1 , , PUNCT issue-466 46 2 vaymanov vaymanov PROPN issue-466 46 3 о о PROPN issue-466 46 4 . . PROPN issue-466 46 5 , , PUNCT issue-466 46 6 vyshyvana vyshyvana PROPN issue-466 46 7     SPACE issue-466 46 8 b.m b.m PROPN issue-466 46 9 . . PROPN issue-466 46 10 , , PUNCT issue-466 46 11 voytenko voytenko PROPN issue-466 46 12 o.м o.м PROPN issue-466 46 13 . . PROPN issue-466 46 14 , , PUNCT issue-466 46 15 esh esh PROPN issue-466 46 16 s.m s.m PROPN issue-466 46 17 . . PROPN issue-466 46 18 , , PUNCT issue-466 46 19 klessens klessens PROPN issue-466 46 20 s. s. PROPN issue-466 46 21 , , PUNCT issue-466 46 22 kovalenko kovalenko PROPN issue-466 46 23     SPACE issue-466 46 24 yu.m yu.m NOUN issue-466 46 25 . . PROPN issue-466 46 26 , , PUNCT issue-466 46 27 podzygun podzygun VERB issue-466 46 28 і і PROPN issue-466 46 29 . . PROPN issue-466 46 30 , , PUNCT issue-466 46 31 santimero santimero PROPN issue-466 46 32 а а PROPN issue-466 46 33 . . PROPN issue-466 46 34 , , PUNCT issue-466 46 35 tytova tytova NOUN issue-466 46 36 v.a v.a PROPN issue-466 46 37 . . PROPN issue-466 46 38 , , PUNCT issue-466 46 39 tretiakov tretiakov PROPN issue-466 46 40     SPACE issue-466 46 41 м.м м.м PROPN issue-466 46 42 . . PROPN issue-466 46 43 , , PUNCT issue-466 46 44 herring herring PROPN issue-466 46 45 r. r. PROPN issue-466 46 46 , , PUNCT issue-466 47 1 yuriy yuriy PROPN issue-466 47 2 s.i s.i PROPN issue-466 47 3 . . PROPN issue-466 47 4 , , PUNCT issue-466 47 5 yurchuk yurchuk PROPN issue-466 47 6 g.v g.v PROPN issue-466 47 7 . . PROPN issue-466 47 8 , , PUNCT issue-466 47 9 yashchuk yashchuk PROPN issue-466 47 10 v.v v.v PROPN issue-466 47 11 . . PROPN issue-466 47 12 , , PUNCT issue-466 47 13 and and CCONJ issue-466 47 14 others other NOUN issue-466 47 15 . . PUNCT issue-466 48 1 some some DET issue-466 48 2 aspects aspect NOUN issue-466 48 3 by by ADP issue-466 48 4 the the DET issue-466 48 5 research research NOUN issue-466 48 6 of of ADP issue-466 48 7 the the DET issue-466 48 8 information information NOUN issue-466 48 9 technology technology NOUN issue-466 48 10 role role NOUN issue-466 48 11 in in ADP issue-466 48 12 the the DET issue-466 48 13 development development NOUN issue-466 48 14 of of ADP issue-466 48 15 the the DET issue-466 48 16 financial financial ADJ issue-466 48 17 services service NOUN issue-466 48 18 market market NOUN issue-466 48 19 were be AUX issue-466 48 20 studied study VERB issue-466 48 21 in in ADP issue-466 48 22 the the DET issue-466 48 23 works work NOUN issue-466 48 24 of of ADP issue-466 48 25 the the DET issue-466 48 26 following follow VERB issue-466 48 27 researchers researcher NOUN issue-466 48 28 : : PUNCT issue-466 49 1 alekseyev alekseyev PROPN issue-466 49 2 v.i v.i PROPN issue-466 49 3 . . PROPN issue-466 49 4 , , PUNCT issue-466 49 5 berko berko PROPN issue-466 49 6 a.yu a.yu PROPN issue-466 49 7 . . PROPN issue-466 49 8 , , PUNCT issue-466 49 9 opanasovych opanasovych PROPN issue-466 49 10 o.v o.v PROPN issue-466 49 11 . . PROPN issue-466 49 12 , , PUNCT issue-466 49 13 sergeyeva sergeyeva PROPN issue-466 49 14 o.s o.s PROPN issue-466 49 15 . . PROPN issue-466 49 16 , , PUNCT issue-466 49 17 tlusta tlusta PROPN issue-466 49 18 g. g. PROPN issue-466 49 19 , , PUNCT issue-466 49 20 тrofymchuk тrofymchuk NOUN issue-466 49 21 m.i m.i PROPN issue-466 49 22 . . PROPN issue-466 49 23 , , PUNCT issue-466 49 24 and and CCONJ issue-466 49 25 others other NOUN issue-466 49 26 . . PUNCT issue-466 50 1 however however ADV issue-466 50 2 , , PUNCT issue-466 50 3 given give VERB issue-466 50 4 the the DET issue-466 50 5 considerable considerable ADJ issue-466 50 6 scientific scientific ADJ issue-466 50 7 progress progress NOUN issue-466 50 8 , , PUNCT issue-466 50 9 which which PRON issue-466 50 10 has have AUX issue-466 50 11 already already ADV issue-466 50 12 been be AUX issue-466 50 13 formed form VERB issue-466 50 14 within within ADP issue-466 50 15 the the DET issue-466 50 16 scientific scientific ADJ issue-466 50 17 works work NOUN issue-466 50 18 of of ADP issue-466 50 19 these these DET issue-466 50 20 scientists scientist NOUN issue-466 50 21 , , PUNCT issue-466 50 22 it it PRON issue-466 50 23 should should AUX issue-466 50 24 be be AUX issue-466 50 25 noted note VERB issue-466 50 26 that that SCONJ issue-466 50 27 the the DET issue-466 50 28 works work NOUN issue-466 50 29 devoted devote VERB issue-466 50 30 to to ADP issue-466 50 31 the the DET issue-466 50 32 system system NOUN issue-466 50 33 substantiation substantiation NOUN issue-466 50 34 of of ADP issue-466 50 35 peculiarities peculiarity NOUN issue-466 50 36 of of ADP issue-466 50 37 the the DET issue-466 50 38 financial financial ADJ issue-466 50 39 services service NOUN issue-466 50 40 market market NOUN issue-466 50 41 transformation transformation NOUN issue-466 50 42 under under ADP issue-466 50 43 the the DET issue-466 50 44 influence influence NOUN issue-466 50 45 of of ADP issue-466 50 46 the the DET issue-466 50 47 information information NOUN issue-466 50 48 technologies technology NOUN issue-466 50 49 are be AUX issue-466 50 50 not not PART issue-466 50 51 enough enough ADV issue-466 50 52 , , PUNCT issue-466 50 53 taking take VERB issue-466 50 54 into into ADP issue-466 50 55 consideration consideration NOUN issue-466 50 56 the the DET issue-466 50 57 potential potential NOUN issue-466 50 58 of of ADP issue-466 50 59 such such ADJ issue-466 50 60 technologies technology NOUN issue-466 50 61 for for ADP issue-466 50 62 changes change NOUN issue-466 50 63 in in ADP issue-466 50 64 all all DET issue-466 50 65 spheres sphere NOUN issue-466 50 66 of of ADP issue-466 50 67 modern modern ADJ issue-466 50 68 society society NOUN issue-466 50 69 . . PUNCT issue-466 51 1 this this PRON issue-466 51 2 substantiates substantiate VERB issue-466 51 3 the the DET issue-466 51 4 choice choice NOUN issue-466 51 5 of of ADP issue-466 51 6 the the DET issue-466 51 7 topic topic NOUN issue-466 51 8 of of ADP issue-466 51 9 the the DET issue-466 51 10 article article NOUN issue-466 51 11 and and CCONJ issue-466 51 12 its its PRON issue-466 51 13 relevance relevance NOUN issue-466 51 14 . . PUNCT issue-466 52 1 2 2 X issue-466 52 2 . . X issue-466 52 3 functioning function VERB issue-466 52 4 of of ADP issue-466 52 5 the the DET issue-466 52 6 financial financial ADJ issue-466 52 7 services service NOUN issue-466 52 8 market market NOUN issue-466 52 9 in in ADP issue-466 52 10 space space NOUN issue-466 52 11 of of ADP issue-466 52 12 the the DET issue-466 52 13 information information NOUN issue-466 52 14 economy economy NOUN issue-466 52 15 development development NOUN issue-466 52 16 to to PART issue-466 52 17 realize realize VERB issue-466 52 18 a a DET issue-466 52 19 thorough thorough ADJ issue-466 52 20 and and CCONJ issue-466 52 21 substantiate substantiate VERB issue-466 52 22 research research NOUN issue-466 52 23 of of ADP issue-466 52 24 the the DET issue-466 52 25 impact impact NOUN issue-466 52 26 of of ADP issue-466 52 27 the the DET issue-466 52 28 information information NOUN issue-466 52 29 technology technology NOUN issue-466 52 30 on on ADP issue-466 52 31 the the DET issue-466 52 32 financial financial ADJ issue-466 52 33 services service NOUN issue-466 52 34 market market NOUN issue-466 52 35 transformation transformation NOUN issue-466 52 36 , , PUNCT issue-466 52 37 from from ADP issue-466 52 38 the the DET issue-466 52 39 very very ADJ issue-466 52 40 beginning beginning NOUN issue-466 52 41 , , PUNCT issue-466 52 42 it it PRON issue-466 52 43 is be AUX issue-466 52 44 necessary necessary ADJ issue-466 52 45 to to PART issue-466 52 46 identify identify VERB issue-466 52 47 the the DET issue-466 52 48 essence essence NOUN issue-466 52 49 of of ADP issue-466 52 50 the the DET issue-466 52 51 main main ADJ issue-466 52 52 economic economic ADJ issue-466 52 53 categories category NOUN issue-466 52 54 : : PUNCT issue-466 52 55 the the DET issue-466 52 56 financial financial ADJ issue-466 52 57 services service NOUN issue-466 52 58 market market NOUN issue-466 52 59 and and CCONJ issue-466 52 60 the the DET issue-466 52 61 information information NOUN issue-466 52 62 economy economy NOUN issue-466 52 63 . . PUNCT issue-466 53 1 within within ADP issue-466 53 2 the the DET issue-466 53 3 article article NOUN issue-466 53 4 , , PUNCT issue-466 53 5 the the DET issue-466 53 6 information information NOUN issue-466 53 7 economy economy NOUN issue-466 53 8 will will AUX issue-466 53 9 be be AUX issue-466 53 10 considered consider VERB issue-466 53 11 as as ADP issue-466 53 12 a a DET issue-466 53 13 type type NOUN issue-466 53 14 of of ADP issue-466 53 15 economic economic ADJ issue-466 53 16 system system NOUN issue-466 53 17 , , PUNCT issue-466 53 18 in in ADP issue-466 53 19 which which PRON issue-466 53 20 information information NOUN issue-466 53 21 plays play VERB issue-466 53 22 a a DET issue-466 53 23 key key ADJ issue-466 53 24 role role NOUN issue-466 53 25 in in ADP issue-466 53 26 the the DET issue-466 53 27 development development NOUN issue-466 53 28 of of ADP issue-466 53 29 the the DET issue-466 53 30 main main ADJ issue-466 53 31 spheres sphere NOUN issue-466 53 32 and and CCONJ issue-466 53 33 industries industry NOUN issue-466 53 34 of of ADP issue-466 53 35 the the DET issue-466 53 36 national national ADJ issue-466 53 37 production production NOUN issue-466 53 38 , , PUNCT issue-466 53 39 is be AUX issue-466 53 40 an an DET issue-466 53 41 integral integral ADJ issue-466 53 42 part part NOUN issue-466 53 43 of of ADP issue-466 53 44 the the DET issue-466 53 45 implementation implementation NOUN issue-466 53 46 of of ADP issue-466 53 47 production production NOUN issue-466 53 48 , , PUNCT issue-466 53 49 distribution distribution NOUN issue-466 53 50 , , PUNCT issue-466 53 51 exchange exchange NOUN issue-466 53 52 , , PUNCT issue-466 53 53 and and CCONJ issue-466 53 54 consumption consumption NOUN issue-466 53 55 processes process NOUN issue-466 53 56 , , PUNCT issue-466 53 57 the the DET issue-466 53 58 further further ADJ issue-466 53 59 functioning functioning NOUN issue-466 53 60 of of ADP issue-466 53 61 such such DET issue-466 53 62 a a DET issue-466 53 63 system system NOUN issue-466 53 64 is be AUX issue-466 53 65 directly directly ADV issue-466 53 66 related relate VERB issue-466 53 67 to to ADP issue-466 53 68 the the DET issue-466 53 69 creation creation NOUN issue-466 53 70 and and CCONJ issue-466 53 71 implementation implementation NOUN issue-466 53 72 of of ADP issue-466 53 73 new new ADJ issue-466 53 74 information information NOUN issue-466 53 75 technologies technology NOUN issue-466 53 76 in in ADP issue-466 53 77 the the DET issue-466 53 78 activities activity NOUN issue-466 53 79 of of ADP issue-466 53 80 the the DET issue-466 53 81 economic economic ADJ issue-466 53 82 actors actor NOUN issue-466 53 83 . . PUNCT issue-466 54 1 the the DET issue-466 54 2 financial financial ADJ issue-466 54 3 services service NOUN issue-466 54 4 market market NOUN issue-466 54 5 will will AUX issue-466 54 6 be be AUX issue-466 54 7 understood understand VERB issue-466 54 8 as as ADP issue-466 54 9 a a DET issue-466 54 10 set set NOUN issue-466 54 11 of of ADP issue-466 54 12 economic economic ADJ issue-466 54 13 relations relation NOUN issue-466 54 14 , , PUNCT issue-466 54 15 arising arise VERB issue-466 54 16 in in ADP issue-466 54 17 the the DET issue-466 54 18 process process NOUN issue-466 54 19 of of ADP issue-466 54 20 realization realization NOUN issue-466 54 21 of of ADP issue-466 54 22 the the DET issue-466 54 23 non non ADJ issue-466 54 24 - - ADJ issue-466 54 25 material material ADJ issue-466 54 26 form form NOUN issue-466 54 27 of of ADP issue-466 54 28 the the DET issue-466 54 29 interaction interaction NOUN issue-466 54 30 results result NOUN issue-466 54 31 , , PUNCT issue-466 54 32 which which PRON issue-466 54 33 is be AUX issue-466 54 34 inherent inherent ADJ issue-466 54 35 in in ADP issue-466 54 36 the the DET issue-466 54 37 consumer consumer NOUN issue-466 54 38 value value NOUN issue-466 54 39 , , PUNCT issue-466 54 40 between between ADP issue-466 54 41 the the DET issue-466 54 42 entities entity NOUN issue-466 54 43 in in ADP issue-466 54 44 the the DET issue-466 54 45 process process NOUN issue-466 54 46 of of ADP issue-466 54 47 satisfaction satisfaction NOUN issue-466 54 48 by by ADP issue-466 54 49 some some DET issue-466 54 50 participants participant NOUN issue-466 54 51 ( ( PUNCT issue-466 54 52 producers producer NOUN issue-466 54 53 ) ) PUNCT issue-466 54 54 of of ADP issue-466 54 55 the the DET issue-466 54 56 needs need NOUN issue-466 54 57 of of ADP issue-466 54 58 others other NOUN issue-466 54 59 ( ( PUNCT issue-466 54 60 consumers consumer NOUN issue-466 54 61 ) ) PUNCT issue-466 54 62 on on ADP issue-466 54 63 a a DET issue-466 54 64 mutually mutually ADV issue-466 54 65 beneficial beneficial ADJ issue-466 54 66 basis basis NOUN issue-466 54 67 , , PUNCT issue-466 54 68 the the DET issue-466 54 69 coordination coordination NOUN issue-466 54 70 of of ADP issue-466 54 71 their their PRON issue-466 54 72 interests interest NOUN issue-466 54 73 at at ADP issue-466 54 74 their their PRON issue-466 54 75 baltic baltic ADJ issue-466 54 76 journal journal NOUN issue-466 54 77 of of ADP issue-466 54 78 economic economic ADJ issue-466 54 79 studies study NOUN issue-466 54 80 351 351 NUM issue-466 54 81 vol vol NOUN issue-466 54 82 . . PROPN issue-466 55 1 4 4 NUM issue-466 55 2 , , PUNCT issue-466 55 3 no no INTJ issue-466 55 4 . . NOUN issue-466 55 5 3 3 NUM issue-466 55 6 , , PUNCT issue-466 55 7 2018 2018 NUM issue-466 55 8 own own ADJ issue-466 55 9 expense expense NOUN issue-466 55 10 , , PUNCT issue-466 55 11 account account NOUN issue-466 55 12 of of ADP issue-466 55 13 clients client NOUN issue-466 55 14 or or CCONJ issue-466 55 15 at at ADP issue-466 55 16 the the DET issue-466 55 17 expense expense NOUN issue-466 55 18 of of ADP issue-466 55 19 the the DET issue-466 55 20 attracted attract VERB issue-466 55 21 financial financial ADJ issue-466 55 22 resources resource NOUN issue-466 55 23 of of ADP issue-466 55 24 other other ADJ issue-466 55 25 entities entity NOUN issue-466 55 26 in in ADP issue-466 55 27 accordance accordance NOUN issue-466 55 28 with with ADP issue-466 55 29 the the DET issue-466 55 30 current current ADJ issue-466 55 31 legislation legislation NOUN issue-466 55 32 in in ADP issue-466 55 33 order order NOUN issue-466 55 34 to to PART issue-466 55 35 profit profit VERB issue-466 55 36 , , PUNCT issue-466 55 37 saving save VERB issue-466 55 38 the the DET issue-466 55 39 value value NOUN issue-466 55 40 of of ADP issue-466 55 41 assets asset NOUN issue-466 55 42 or or CCONJ issue-466 55 43 achieving achieve VERB issue-466 55 44 a a DET issue-466 55 45 social social ADJ issue-466 55 46 effect effect NOUN issue-466 55 47 from from ADP issue-466 55 48 the the DET issue-466 55 49 implementation implementation NOUN issue-466 55 50 of of ADP issue-466 55 51 such such ADJ issue-466 55 52 interaction interaction NOUN issue-466 55 53 ( ( PUNCT issue-466 55 54 shkarlet shkarlet NOUN issue-466 55 55 , , PUNCT issue-466 55 56 2017 2017 NUM issue-466 55 57 ) ) PUNCT issue-466 55 58 . . PUNCT issue-466 56 1 it it PRON issue-466 56 2 should should AUX issue-466 56 3 be be AUX issue-466 56 4 noted note VERB issue-466 56 5 that that SCONJ issue-466 56 6 the the DET issue-466 56 7 financial financial ADJ issue-466 56 8 services service NOUN issue-466 56 9 market market NOUN issue-466 56 10 functioning function VERB issue-466 56 11 is be AUX issue-466 56 12 always always ADV issue-466 56 13 connected connect VERB issue-466 56 14 with with ADP issue-466 56 15 the the DET issue-466 56 16 need need NOUN issue-466 56 17 to to PART issue-466 56 18 process process VERB issue-466 56 19 large large ADJ issue-466 56 20 volumes volume NOUN issue-466 56 21 of of ADP issue-466 56 22 information information NOUN issue-466 56 23 about about ADP issue-466 56 24 clients client NOUN issue-466 56 25 , , PUNCT issue-466 56 26 separate separate ADJ issue-466 56 27 segments segment NOUN issue-466 56 28 of of ADP issue-466 56 29 the the DET issue-466 56 30 financial financial ADJ issue-466 56 31 market market NOUN issue-466 56 32 , , PUNCT issue-466 56 33 to to PART issue-466 56 34 analyse analyse VERB issue-466 56 35 trends trend NOUN issue-466 56 36 of of ADP issue-466 56 37 the the DET issue-466 56 38 enterprises enterprise NOUN issue-466 56 39 ’ ' PUNCT issue-466 56 40 operation operation NOUN issue-466 56 41 in in ADP issue-466 56 42 the the DET issue-466 56 43 real real ADJ issue-466 56 44 sector sector NOUN issue-466 56 45 of of ADP issue-466 56 46 the the DET issue-466 56 47 economy economy NOUN issue-466 56 48 , , PUNCT issue-466 56 49 the the DET issue-466 56 50 state state NOUN issue-466 56 51 of of ADP issue-466 56 52 which which PRON issue-466 56 53 always always ADV issue-466 56 54 affects affect VERB issue-466 56 55 the the DET issue-466 56 56 level level NOUN issue-466 56 57 of of ADP issue-466 56 58 the the DET issue-466 56 59 activity activity NOUN issue-466 56 60 of of ADP issue-466 56 61 the the DET issue-466 56 62 specified specified ADJ issue-466 56 63 market market NOUN issue-466 56 64 . . PUNCT issue-466 57 1 the the DET issue-466 57 2 introduction introduction NOUN issue-466 57 3 of of ADP issue-466 57 4 the the DET issue-466 57 5 information information NOUN issue-466 57 6 technology technology NOUN issue-466 57 7 has have AUX issue-466 57 8 simplified simplify VERB issue-466 57 9 the the DET issue-466 57 10 process process NOUN issue-466 57 11 of of ADP issue-466 57 12 collecting collect VERB issue-466 57 13 such such ADJ issue-466 57 14 information information NOUN issue-466 57 15 and and CCONJ issue-466 57 16 working work VERB issue-466 57 17 with with ADP issue-466 57 18 it it PRON issue-466 57 19 , , PUNCT issue-466 57 20 which which PRON issue-466 57 21 allowed allow VERB issue-466 57 22 the the DET issue-466 57 23 financial financial ADJ issue-466 57 24 institutions institution NOUN issue-466 57 25 to to PART issue-466 57 26 take take VERB issue-466 57 27 into into ADP issue-466 57 28 consideration consideration NOUN issue-466 57 29 new new ADJ issue-466 57 30 opportunities opportunity NOUN issue-466 57 31 to to PART issue-466 57 32 create create VERB issue-466 57 33 additional additional ADJ issue-466 57 34 financial financial ADJ issue-466 57 35 products product NOUN issue-466 57 36 and and CCONJ issue-466 57 37 offer offer VERB issue-466 57 38 them they PRON issue-466 57 39 to to ADP issue-466 57 40 their their PRON issue-466 57 41 customers customer NOUN issue-466 57 42 . . PUNCT issue-466 58 1 it it PRON issue-466 58 2 is be AUX issue-466 58 3 in in ADP issue-466 58 4 this this DET issue-466 58 5 aspect aspect NOUN issue-466 58 6 that that SCONJ issue-466 58 7 the the DET issue-466 58 8 information information NOUN issue-466 58 9 technology technology NOUN issue-466 58 10 contributes contribute VERB issue-466 58 11 to to ADP issue-466 58 12 the the DET issue-466 58 13 financial financial ADJ issue-466 58 14 services service NOUN issue-466 58 15 market market NOUN issue-466 58 16 development development NOUN issue-466 58 17 , , PUNCT issue-466 58 18 which which PRON issue-466 58 19 is be AUX issue-466 58 20 transformed transform VERB issue-466 58 21 under under ADP issue-466 58 22 their their PRON issue-466 58 23 influence influence NOUN issue-466 58 24 . . PUNCT issue-466 59 1 the the DET issue-466 59 2 functioning functioning NOUN issue-466 59 3 of of ADP issue-466 59 4 the the DET issue-466 59 5 financial financial ADJ issue-466 59 6 services service NOUN issue-466 59 7 market market NOUN issue-466 59 8 in in ADP issue-466 59 9 an an DET issue-466 59 10 era era NOUN issue-466 59 11 of of ADP issue-466 59 12 the the DET issue-466 59 13 active active ADJ issue-466 59 14 development development NOUN issue-466 59 15 of of ADP issue-466 59 16 the the DET issue-466 59 17 information information NOUN issue-466 59 18 economy economy NOUN issue-466 59 19 is be AUX issue-466 59 20 a a DET issue-466 59 21 dynamic dynamic ADJ issue-466 59 22 process process NOUN issue-466 59 23 and and CCONJ issue-466 59 24 partly partly ADV issue-466 59 25 chaotic chaotic ADJ issue-466 59 26 . . PUNCT issue-466 60 1 that that PRON issue-466 60 2 is be AUX issue-466 60 3 why why SCONJ issue-466 60 4 it it PRON issue-466 60 5 is be AUX issue-466 60 6 difficult difficult ADJ issue-466 60 7 to to PART issue-466 60 8 analyse analyse VERB issue-466 60 9 the the DET issue-466 60 10 development development NOUN issue-466 60 11 of of ADP issue-466 60 12 such such DET issue-466 60 13 a a DET issue-466 60 14 market market NOUN issue-466 60 15 in in ADP issue-466 60 16 the the DET issue-466 60 17 era era NOUN issue-466 60 18 of of ADP issue-466 60 19 active active ADJ issue-466 60 20 implementation implementation NOUN issue-466 60 21 of of ADP issue-466 60 22 the the DET issue-466 60 23 information information NOUN issue-466 60 24 technology technology NOUN issue-466 60 25 . . PUNCT issue-466 61 1 this this PRON issue-466 61 2 is be AUX issue-466 61 3 especially especially ADV issue-466 61 4 evident evident ADJ issue-466 61 5 during during ADP issue-466 61 6 the the DET issue-466 61 7 research research NOUN issue-466 61 8 of of ADP issue-466 61 9 the the DET issue-466 61 10 interaction interaction NOUN issue-466 61 11 of of ADP issue-466 61 12 such such DET issue-466 61 13 a a DET issue-466 61 14 market market NOUN issue-466 61 15 and and CCONJ issue-466 61 16 the the DET issue-466 61 17 information information NOUN issue-466 61 18 economy economy NOUN issue-466 61 19 system system NOUN issue-466 61 20 with with ADP issue-466 61 21 the the DET issue-466 61 22 aim aim NOUN issue-466 61 23 of of ADP issue-466 61 24 formulating formulate VERB issue-466 61 25 and and CCONJ issue-466 61 26 substantiating substantiate VERB issue-466 61 27 the the DET issue-466 61 28 theoretical theoretical ADJ issue-466 61 29 , , PUNCT issue-466 61 30 methodological methodological ADJ issue-466 61 31 , , PUNCT issue-466 61 32 and and CCONJ issue-466 61 33 methodical methodical ADJ issue-466 61 34 provisions provision NOUN issue-466 61 35 of of ADP issue-466 61 36 this this DET issue-466 61 37 interdependent interdependent ADJ issue-466 61 38 connection connection NOUN issue-466 61 39 . . PUNCT issue-466 62 1 the the DET issue-466 62 2 complexity complexity NOUN issue-466 62 3 of of ADP issue-466 62 4 the the DET issue-466 62 5 analysis analysis NOUN issue-466 62 6 of of ADP issue-466 62 7 the the DET issue-466 62 8 dual dual ADJ issue-466 62 9 influence influence NOUN issue-466 62 10 between between ADP issue-466 62 11 the the DET issue-466 62 12 financial financial ADJ issue-466 62 13 services service NOUN issue-466 62 14 market market NOUN issue-466 62 15 and and CCONJ issue-466 62 16 the the DET issue-466 62 17 information information NOUN issue-466 62 18 economy economy NOUN issue-466 62 19 is be AUX issue-466 62 20 that that SCONJ issue-466 62 21 this this DET issue-466 62 22 market market NOUN issue-466 62 23 is be AUX issue-466 62 24 a a DET issue-466 62 25 part part NOUN issue-466 62 26 of of ADP issue-466 62 27 the the DET issue-466 62 28 national national ADJ issue-466 62 29 economy economy NOUN issue-466 62 30 and and CCONJ issue-466 62 31 the the DET issue-466 62 32 basis basis NOUN issue-466 62 33 of of ADP issue-466 62 34 its its PRON issue-466 62 35 major major ADJ issue-466 62 36 transformations transformation NOUN issue-466 62 37 affects affect VERB issue-466 62 38 the the DET issue-466 62 39 change change NOUN issue-466 62 40 in in ADP issue-466 62 41 the the DET issue-466 62 42 economic economic ADJ issue-466 62 43 actors actor NOUN issue-466 62 44 ’ ’ PART issue-466 62 45 activity activity NOUN issue-466 62 46 . . PUNCT issue-466 63 1 in in ADP issue-466 63 2 turn turn NOUN issue-466 63 3 , , PUNCT issue-466 63 4 the the DET issue-466 63 5 information information NOUN issue-466 63 6 and and CCONJ issue-466 63 7 innovation innovation NOUN issue-466 63 8 products product NOUN issue-466 63 9 , , PUNCT issue-466 63 10 which which PRON issue-466 63 11 are be AUX issue-466 63 12 developed develop VERB issue-466 63 13 within within ADP issue-466 63 14 the the DET issue-466 63 15 limits limit NOUN issue-466 63 16 of of ADP issue-466 63 17 separate separate ADJ issue-466 63 18 enterprises enterprise NOUN issue-466 63 19 , , PUNCT issue-466 63 20 specially specially ADV issue-466 63 21 established establish VERB issue-466 63 22 fintech fintech NOUN issue-466 63 23 companies company NOUN issue-466 63 24 , , PUNCT issue-466 63 25 which which PRON issue-466 63 26 are be AUX issue-466 63 27 not not PART issue-466 63 28 part part NOUN issue-466 63 29 of of ADP issue-466 63 30 the the DET issue-466 63 31 financial financial ADJ issue-466 63 32 services service NOUN issue-466 63 33 market market NOUN issue-466 63 34 themselves themselves PRON issue-466 63 35 , , PUNCT issue-466 63 36 are be AUX issue-466 63 37 , , PUNCT issue-466 63 38 however however ADV issue-466 63 39 , , PUNCT issue-466 63 40 part part NOUN issue-466 63 41 of of ADP issue-466 63 42 the the DET issue-466 63 43 information information NOUN issue-466 63 44 economy economy NOUN issue-466 63 45 , , PUNCT issue-466 63 46 have have VERB issue-466 63 47 an an DET issue-466 63 48 impact impact NOUN issue-466 63 49 on on ADP issue-466 63 50 the the DET issue-466 63 51 development development NOUN issue-466 63 52 of of ADP issue-466 63 53 such such DET issue-466 63 54 a a DET issue-466 63 55 market market NOUN issue-466 63 56 . . PUNCT issue-466 64 1 the the DET issue-466 64 2 availability availability NOUN issue-466 64 3 of of ADP issue-466 64 4 such such DET issue-466 64 5 an an DET issue-466 64 6 epistemological epistemological ADJ issue-466 64 7 problem problem NOUN issue-466 64 8 creates create VERB issue-466 64 9 the the DET issue-466 64 10 necessity necessity NOUN issue-466 64 11 of of ADP issue-466 64 12 introducing introduce VERB issue-466 64 13 in in ADP issue-466 64 14 the the DET issue-466 64 15 course course NOUN issue-466 64 16 of of ADP issue-466 64 17 conducting conduct VERB issue-466 64 18 similar similar ADJ issue-466 64 19 studies study NOUN issue-466 64 20 a a DET issue-466 64 21 set set NOUN issue-466 64 22 of of ADP issue-466 64 23 assumptions assumption NOUN issue-466 64 24 that that PRON issue-466 64 25 can can AUX issue-466 64 26 justify justify VERB issue-466 64 27 the the DET issue-466 64 28 author author NOUN issue-466 64 29 ’s ’s PART issue-466 64 30 approach approach NOUN issue-466 64 31 to to ADP issue-466 64 32 the the DET issue-466 64 33 consideration consideration NOUN issue-466 64 34 of of ADP issue-466 64 35 the the DET issue-466 64 36 topic topic NOUN issue-466 64 37 of of ADP issue-466 64 38 the the DET issue-466 64 39 article article NOUN issue-466 64 40 . . PUNCT issue-466 65 1 in in ADP issue-466 65 2 this this DET issue-466 65 3 research research NOUN issue-466 65 4 , , PUNCT issue-466 65 5 the the DET issue-466 65 6 main main ADJ issue-466 65 7 emphasis emphasis NOUN issue-466 65 8 will will AUX issue-466 65 9 be be AUX issue-466 65 10 placed place VERB issue-466 65 11 on on ADP issue-466 65 12 identifying identify VERB issue-466 65 13 the the DET issue-466 65 14 trends trend NOUN issue-466 65 15 by by ADP issue-466 65 16 the the DET issue-466 65 17 financial financial ADJ issue-466 65 18 services service NOUN issue-466 65 19 market market NOUN issue-466 65 20 functioning function VERB issue-466 65 21 within within ADP issue-466 65 22 the the DET issue-466 65 23 system system NOUN issue-466 65 24 of of ADP issue-466 65 25 the the DET issue-466 65 26 information information NOUN issue-466 65 27 economy economy NOUN issue-466 65 28 . . PUNCT issue-466 66 1 the the DET issue-466 66 2 process process NOUN issue-466 66 3 of of ADP issue-466 66 4 influencing influence VERB issue-466 66 5 the the DET issue-466 66 6 market market NOUN issue-466 66 7 itself itself PRON issue-466 66 8 on on ADP issue-466 66 9 the the DET issue-466 66 10 development development NOUN issue-466 66 11 of of ADP issue-466 66 12 this this DET issue-466 66 13 type type NOUN issue-466 66 14 of of ADP issue-466 66 15 economy economy NOUN issue-466 66 16 will will AUX issue-466 66 17 be be AUX issue-466 66 18 considered consider VERB issue-466 66 19 fragmentary fragmentary ADJ issue-466 66 20 . . PUNCT issue-466 67 1 thus thus ADV issue-466 67 2 , , PUNCT issue-466 67 3 more more ADJ issue-466 67 4 attention attention NOUN issue-466 67 5 will will AUX issue-466 67 6 be be AUX issue-466 67 7 focused focus VERB issue-466 67 8 on on ADP issue-466 67 9 the the DET issue-466 67 10 knowledge knowledge NOUN issue-466 67 11 of of ADP issue-466 67 12 the the DET issue-466 67 13 peculiarities peculiarity NOUN issue-466 67 14 of of ADP issue-466 67 15 the the DET issue-466 67 16 transformation transformation NOUN issue-466 67 17 of of ADP issue-466 67 18 financial financial ADJ issue-466 67 19 intermediaries intermediary NOUN issue-466 67 20 ’ ' PUNCT issue-466 67 21 activities activity NOUN issue-466 67 22 in in ADP issue-466 67 23 ukraine ukraine NOUN issue-466 67 24 , , PUNCT issue-466 67 25 in in ADP issue-466 67 26 the the DET issue-466 67 27 context context NOUN issue-466 67 28 of of ADP issue-466 67 29 the the DET issue-466 67 30 active active ADJ issue-466 67 31 introduction introduction NOUN issue-466 67 32 of of ADP issue-466 67 33 new new ADJ issue-466 67 34 technologies technology NOUN issue-466 67 35 for for ADP issue-466 67 36 the the DET issue-466 67 37 provision provision NOUN issue-466 67 38 of of ADP issue-466 67 39 the the DET issue-466 67 40 financial financial ADJ issue-466 67 41 services service NOUN issue-466 67 42 . . PUNCT issue-466 68 1 accordingly accordingly ADV issue-466 68 2 , , PUNCT issue-466 68 3 the the DET issue-466 68 4 financial financial ADJ issue-466 68 5 services service NOUN issue-466 68 6 market market NOUN issue-466 68 7 will will AUX issue-466 68 8 be be AUX issue-466 68 9 investigated investigate VERB issue-466 68 10 as as ADP issue-466 68 11 a a DET issue-466 68 12 single single ADJ issue-466 68 13 system system NOUN issue-466 68 14 for for ADP issue-466 68 15 which which PRON issue-466 68 16 the the DET issue-466 68 17 impact impact NOUN issue-466 68 18 of of ADP issue-466 68 19 such such ADJ issue-466 68 20 information information NOUN issue-466 68 21 innovations innovation NOUN issue-466 68 22 is be AUX issue-466 68 23 exogenous exogenous ADJ issue-466 68 24 . . PUNCT issue-466 69 1 accordingly accordingly ADV issue-466 69 2 , , PUNCT issue-466 69 3 the the DET issue-466 69 4 financial financial ADJ issue-466 69 5 services service NOUN issue-466 69 6 market market NOUN issue-466 69 7 will will AUX issue-466 69 8 be be AUX issue-466 69 9 investigated investigate VERB issue-466 69 10 as as ADP issue-466 69 11 a a DET issue-466 69 12 single single ADJ issue-466 69 13 system system NOUN issue-466 69 14 , , PUNCT issue-466 69 15 for for ADP issue-466 69 16 which which PRON issue-466 69 17 the the DET issue-466 69 18 impact impact NOUN issue-466 69 19 of of ADP issue-466 69 20 such such ADJ issue-466 69 21 information information NOUN issue-466 69 22 innovations innovation NOUN issue-466 69 23 is be AUX issue-466 69 24 exogenous exogenous ADJ issue-466 69 25 . . PUNCT issue-466 70 1 consequently consequently ADV issue-466 70 2 , , PUNCT issue-466 70 3 considering consider VERB issue-466 70 4 the the DET issue-466 70 5 outlined outline VERB issue-466 70 6 market market NOUN issue-466 70 7 as as ADP issue-466 70 8 a a DET issue-466 70 9 structured structured ADJ issue-466 70 10 system system NOUN issue-466 70 11 , , PUNCT issue-466 70 12 it it PRON issue-466 70 13 is be AUX issue-466 70 14 difficult difficult ADJ issue-466 70 15 to to PART issue-466 70 16 identify identify VERB issue-466 70 17 and and CCONJ issue-466 70 18 substantiate substantiate VERB issue-466 70 19 the the DET issue-466 70 20 essence essence NOUN issue-466 70 21 of of ADP issue-466 70 22 all all DET issue-466 70 23 possible possible ADJ issue-466 70 24 variants variant NOUN issue-466 70 25 of of ADP issue-466 70 26 the the DET issue-466 70 27 information information NOUN issue-466 70 28 technology technology NOUN issue-466 70 29 impact impact NOUN issue-466 70 30 on on ADP issue-466 70 31 the the DET issue-466 70 32 development development NOUN issue-466 70 33 of of ADP issue-466 70 34 individual individual ADJ issue-466 70 35 components component NOUN issue-466 70 36 of of ADP issue-466 70 37 such such DET issue-466 70 38 a a DET issue-466 70 39 market market NOUN issue-466 70 40 and and CCONJ issue-466 70 41 on on ADP issue-466 70 42 it it PRON issue-466 70 43 in in ADP issue-466 70 44 general general ADJ issue-466 70 45 . . PUNCT issue-466 71 1 this this PRON issue-466 71 2 is be AUX issue-466 71 3 due due ADJ issue-466 71 4 to to ADP issue-466 71 5 the the DET issue-466 71 6 complexity complexity NOUN issue-466 71 7 of of ADP issue-466 71 8 such such DET issue-466 71 9 a a DET issue-466 71 10 market market NOUN issue-466 71 11 , , PUNCT issue-466 71 12 in in ADP issue-466 71 13 which which PRON issue-466 71 14 many many ADJ issue-466 71 15 financial financial ADJ issue-466 71 16 companies company NOUN issue-466 71 17 and and CCONJ issue-466 71 18 their their PRON issue-466 71 19 clients client NOUN issue-466 71 20 operate operate VERB issue-466 71 21 . . PUNCT issue-466 72 1 for for ADP issue-466 72 2 example example NOUN issue-466 72 3 , , PUNCT issue-466 72 4 in in ADP issue-466 72 5 the the DET issue-466 72 6 first first ADJ issue-466 72 7 place place NOUN issue-466 72 8 , , PUNCT issue-466 72 9 the the DET issue-466 72 10 financial financial ADJ issue-466 72 11 services service NOUN issue-466 72 12 market market NOUN issue-466 72 13 is be AUX issue-466 72 14 changing change VERB issue-466 72 15 due due ADP issue-466 72 16 to to ADP issue-466 72 17 the the DET issue-466 72 18 transformation transformation NOUN issue-466 72 19 of of ADP issue-466 72 20 the the DET issue-466 72 21 work work NOUN issue-466 72 22 of of ADP issue-466 72 23 the the DET issue-466 72 24 financial financial ADJ issue-466 72 25 intermediaries intermediary NOUN issue-466 72 26 themselves themselves PRON issue-466 72 27 . . PUNCT issue-466 73 1 firstly firstly ADV issue-466 73 2 , , PUNCT issue-466 73 3 the the DET issue-466 73 4 information information NOUN issue-466 73 5 technologies technology NOUN issue-466 73 6 are be AUX issue-466 73 7 introduced introduce VERB issue-466 73 8 into into ADP issue-466 73 9 the the DET issue-466 73 10 work work NOUN issue-466 73 11 of of ADP issue-466 73 12 such such ADJ issue-466 73 13 institutions institution NOUN issue-466 73 14 , , PUNCT issue-466 73 15 which which PRON issue-466 73 16 facilitates facilitate VERB issue-466 73 17 the the DET issue-466 73 18 managerial managerial ADJ issue-466 73 19 functions function NOUN issue-466 73 20 automation automation NOUN issue-466 73 21 , , PUNCT issue-466 73 22 enhances enhance VERB issue-466 73 23 the the DET issue-466 73 24 management management NOUN issue-466 73 25 quality quality NOUN issue-466 73 26 and and CCONJ issue-466 73 27 contributes contribute VERB issue-466 73 28 to to ADP issue-466 73 29 the the DET issue-466 73 30 growth growth NOUN issue-466 73 31 of of ADP issue-466 73 32 the the DET issue-466 73 33 financial financial ADJ issue-466 73 34 institutions institution NOUN issue-466 73 35 efficiency efficiency NOUN issue-466 73 36 . . PUNCT issue-466 74 1 secondly secondly ADV issue-466 74 2 , , PUNCT issue-466 74 3 such such DET issue-466 74 4 a a DET issue-466 74 5 market market NOUN issue-466 74 6 is be AUX issue-466 74 7 also also ADV issue-466 74 8 transformed transform VERB issue-466 74 9 through through ADP issue-466 74 10 the the DET issue-466 74 11 demand demand NOUN issue-466 74 12 formation formation NOUN issue-466 74 13 by by ADP issue-466 74 14 the the DET issue-466 74 15 non non ADJ issue-466 74 16 - - ADJ issue-466 74 17 financial financial ADJ issue-466 74 18 companies company NOUN issue-466 74 19 ( ( PUNCT issue-466 74 20 fintech fintech NOUN issue-466 74 21 institutions institution NOUN issue-466 74 22 ) ) PUNCT issue-466 74 23 , , PUNCT issue-466 74 24 which which PRON issue-466 74 25 are be AUX issue-466 74 26 directly directly ADV issue-466 74 27 involved involve VERB issue-466 74 28 in in ADP issue-466 74 29 the the DET issue-466 74 30 development development NOUN issue-466 74 31 of of ADP issue-466 74 32 new new ADJ issue-466 74 33 information information NOUN issue-466 74 34 products product NOUN issue-466 74 35 for for ADP issue-466 74 36 different different ADJ issue-466 74 37 institutions institution NOUN issue-466 74 38 . . PUNCT issue-466 75 1 batkhin batkhin PROPN issue-466 75 2 yu yu PROPN issue-466 75 3 . . PROPN issue-466 75 4 observes observe VERB issue-466 75 5 fintech fintech NOUN issue-466 75 6 , , PUNCT issue-466 75 7 which which PRON issue-466 75 8 appeared appear VERB issue-466 75 9 as as ADP issue-466 75 10 an an DET issue-466 75 11 alternative alternative NOUN issue-466 75 12 to to ADP issue-466 75 13 classical classical ADJ issue-466 75 14 financial financial ADJ issue-466 75 15 institutions institution NOUN issue-466 75 16 , , PUNCT issue-466 75 17 has have AUX issue-466 75 18 already already ADV issue-466 75 19 become become VERB issue-466 75 20 a a DET issue-466 75 21 phenomenon phenomenon NOUN issue-466 75 22 that that PRON issue-466 75 23 transforms transform VERB issue-466 75 24 the the DET issue-466 75 25 payment payment NOUN issue-466 75 26 market market NOUN issue-466 75 27 . . PUNCT issue-466 76 1 global global ADJ issue-466 76 2 research research NOUN issue-466 76 3 shows show VERB issue-466 76 4 : : PUNCT issue-466 76 5 82 82 NUM issue-466 76 6 % % NOUN issue-466 76 7 representatives representative NOUN issue-466 76 8 of of ADP issue-466 76 9 the the DET issue-466 76 10 world world NOUN issue-466 76 11 financial financial ADJ issue-466 76 12 market market NOUN issue-466 76 13 are be AUX issue-466 76 14 expected expect VERB issue-466 76 15 to to PART issue-466 76 16 be be AUX issue-466 76 17 more more ADV issue-466 76 18 likely likely ADJ issue-466 76 19 to to PART issue-466 76 20 engage engage VERB issue-466 76 21 fintech fintech NOUN issue-466 76 22 startups startup NOUN issue-466 76 23 in in ADP issue-466 76 24 the the DET issue-466 76 25 next next ADJ issue-466 76 26 three three NUM issue-466 76 27 to to PART issue-466 76 28 five five NUM issue-466 76 29 years year NOUN issue-466 76 30 . . PUNCT issue-466 77 1 according accord VERB issue-466 77 2 to to ADP issue-466 77 3 mastercard mastercard PROPN issue-466 77 4 studies study NOUN issue-466 77 5 , , PUNCT issue-466 77 6 more more ADJ issue-466 77 7 than than ADP issue-466 77 8 87 87 NUM issue-466 77 9 % % NOUN issue-466 77 10 of of ADP issue-466 77 11 the the DET issue-466 77 12 representatives representative NOUN issue-466 77 13 of of ADP issue-466 77 14 the the DET issue-466 77 15 ukrainian ukrainian ADJ issue-466 77 16 banking banking NOUN issue-466 77 17 market market NOUN issue-466 77 18 fully fully ADV issue-466 77 19 support support VERB issue-466 77 20 the the DET issue-466 77 21 introduction introduction NOUN issue-466 77 22 of of ADP issue-466 77 23 the the DET issue-466 77 24 innovations innovation NOUN issue-466 77 25 , , PUNCT issue-466 77 26 and and CCONJ issue-466 77 27 more more ADJ issue-466 77 28 than than ADP issue-466 77 29 half half NOUN issue-466 77 30 of of ADP issue-466 77 31 the the DET issue-466 77 32 respondents respondent NOUN issue-466 77 33 are be AUX issue-466 77 34 ready ready ADJ issue-466 77 35 to to PART issue-466 77 36 implement implement VERB issue-466 77 37 financial financial ADJ issue-466 77 38 - - PUNCT issue-466 77 39 decision decision NOUN issue-466 77 40 - - PUNCT issue-466 77 41 making making NOUN issue-466 77 42 ( ( PUNCT issue-466 77 43 bathin bathin ADJ issue-466 77 44 , , PUNCT issue-466 77 45 2018 2018 NUM issue-466 77 46 ) ) PUNCT issue-466 77 47 . . PUNCT issue-466 78 1 according accord VERB issue-466 78 2 to to ADP issue-466 78 3 accenture accenture NOUN issue-466 78 4 , , PUNCT issue-466 78 5 the the DET issue-466 78 6 fintech fintech NOUN issue-466 78 7 startups startup NOUN issue-466 78 8 in in ADP issue-466 78 9 the the DET issue-466 78 10 whole whole ADJ issue-466 78 11 world world NOUN issue-466 78 12 in in ADP issue-466 78 13 2017 2017 NUM issue-466 78 14 were be AUX issue-466 78 15 able able ADJ issue-466 78 16 to to PART issue-466 78 17 attract attract VERB issue-466 78 18 $ $ SYM issue-466 78 19 27.4 27.4 NUM issue-466 78 20 billion billion NUM issue-466 78 21 with with ADP issue-466 78 22 financing financing NOUN issue-466 78 23 by by ADP issue-466 78 24 18 18 NUM issue-466 78 25 % % NOUN issue-466 78 26 more more ADJ issue-466 78 27 than than ADP issue-466 78 28 in in ADP issue-466 78 29 2016 2016 NUM issue-466 78 30 . . PUNCT issue-466 79 1 3 3 X issue-466 79 2 . . X issue-466 79 3 features feature NOUN issue-466 79 4 of of ADP issue-466 79 5 information information NOUN issue-466 79 6 technologies technology NOUN issue-466 79 7 ’ ' PUNCT issue-466 79 8 influence influence NOUN issue-466 79 9 on on ADP issue-466 79 10 the the DET issue-466 79 11 activity activity NOUN issue-466 79 12 of of ADP issue-466 79 13 the the DET issue-466 79 14 main main ADJ issue-466 79 15 subjects subject NOUN issue-466 79 16 in in ADP issue-466 79 17 the the DET issue-466 79 18 financial financial ADJ issue-466 79 19 services service NOUN issue-466 79 20 market market NOUN issue-466 79 21 information information NOUN issue-466 79 22 technologies technology NOUN issue-466 79 23 have have VERB issue-466 79 24 an an DET issue-466 79 25 opportunity opportunity NOUN issue-466 79 26 to to PART issue-466 79 27 exercise exercise VERB issue-466 79 28 their their PRON issue-466 79 29 influence influence NOUN issue-466 79 30 not not PART issue-466 79 31 only only ADV issue-466 79 32 on on ADP issue-466 79 33 the the DET issue-466 79 34 financial financial ADJ issue-466 79 35 intermediaries intermediary NOUN issue-466 79 36 ’ ' PUNCT issue-466 79 37 activity activity NOUN issue-466 79 38 but but CCONJ issue-466 79 39 also also ADV issue-466 79 40 on on ADP issue-466 79 41 all all DET issue-466 79 42 participants participant NOUN issue-466 79 43 in in ADP issue-466 79 44 the the DET issue-466 79 45 financial financial ADJ issue-466 79 46 services service NOUN issue-466 79 47 market market NOUN issue-466 79 48 . . PUNCT issue-466 80 1 at at ADP issue-466 80 2 the the DET issue-466 80 3 same same ADJ issue-466 80 4 time time NOUN issue-466 80 5 , , PUNCT issue-466 80 6 such such DET issue-466 80 7 an an DET issue-466 80 8 impact impact NOUN issue-466 80 9 can can AUX issue-466 80 10 be be AUX issue-466 80 11 both both ADV issue-466 80 12 positive positive ADJ issue-466 80 13 and and CCONJ issue-466 80 14 negative negative ADJ issue-466 80 15 . . PUNCT issue-466 81 1 its its PRON issue-466 81 2 basic basic ADJ issue-466 81 3 advantages advantage NOUN issue-466 81 4 include include VERB issue-466 81 5 the the DET issue-466 81 6 following following NOUN issue-466 81 7 : : PUNCT issue-466 81 8 for for ADP issue-466 81 9 consumers consumer NOUN issue-466 81 10 of of ADP issue-466 81 11 the the DET issue-466 81 12 financial financial ADJ issue-466 81 13 services service NOUN issue-466 81 14 : : PUNCT issue-466 81 15 – – PUNCT issue-466 81 16 a a DET issue-466 81 17 simple simple ADJ issue-466 81 18 and and CCONJ issue-466 81 19 convenient convenient ADJ issue-466 81 20 way way NOUN issue-466 81 21 to to PART issue-466 81 22 make make VERB issue-466 81 23 payments payment NOUN issue-466 81 24 through through ADP issue-466 81 25 an an DET issue-466 81 26 online online ADJ issue-466 81 27 platform platform NOUN issue-466 81 28 ; ; PUNCT issue-466 81 29 – – PUNCT issue-466 81 30 saving save VERB issue-466 81 31 time time NOUN issue-466 81 32 due due ADP issue-466 81 33 to to ADP issue-466 81 34 the the DET issue-466 81 35 lack lack NOUN issue-466 81 36 of of ADP issue-466 81 37 need need NOUN issue-466 81 38 to to PART issue-466 81 39 visit visit VERB issue-466 81 40 structural structural ADJ issue-466 81 41 subdivisions subdivision NOUN issue-466 81 42 of of ADP issue-466 81 43 the the DET issue-466 81 44 financial financial ADJ issue-466 81 45 institutions institution NOUN issue-466 81 46 ; ; PUNCT issue-466 81 47 baltic baltic ADJ issue-466 81 48 journal journal PROPN issue-466 81 49 of of ADP issue-466 81 50 economic economic ADJ issue-466 81 51 studies study NOUN issue-466 81 52 352 352 NUM issue-466 81 53 vol vol NOUN issue-466 81 54 . . PROPN issue-466 82 1 4 4 NUM issue-466 82 2 , , PUNCT issue-466 82 3 no no INTJ issue-466 82 4 . . NOUN issue-466 82 5 3 3 NUM issue-466 82 6 , , PUNCT issue-466 82 7 2018 2018 NUM issue-466 82 8 – – PUNCT issue-466 82 9 no no DET issue-466 82 10 need need NOUN issue-466 82 11 to to PART issue-466 82 12 communicate communicate VERB issue-466 82 13 with with ADP issue-466 82 14 the the DET issue-466 82 15 bank bank NOUN issue-466 82 16 employees employee NOUN issue-466 82 17 , , PUNCT issue-466 82 18 which which PRON issue-466 82 19 simplifies simplify VERB issue-466 82 20 the the DET issue-466 82 21 process process NOUN issue-466 82 22 of of ADP issue-466 82 23 obtaining obtain VERB issue-466 82 24 the the DET issue-466 82 25 financial financial ADJ issue-466 82 26 services service NOUN issue-466 82 27 by by ADP issue-466 82 28 the the DET issue-466 82 29 clients client NOUN issue-466 82 30 and and CCONJ issue-466 82 31 reducing reduce VERB issue-466 82 32 the the DET issue-466 82 33 level level NOUN issue-466 82 34 of of ADP issue-466 82 35 the the DET issue-466 82 36 conflict conflict NOUN issue-466 82 37 situations situation NOUN issue-466 82 38 ; ; PUNCT issue-466 82 39 – – PUNCT issue-466 82 40 the the DET issue-466 82 41 convenience convenience NOUN issue-466 82 42 of of ADP issue-466 82 43 payment payment NOUN issue-466 82 44 implementation implementation NOUN issue-466 82 45 throughout throughout ADP issue-466 82 46 the the DET issue-466 82 47 day day NOUN issue-466 82 48 ; ; PUNCT issue-466 82 49 – – PUNCT issue-466 82 50 increasing increase VERB issue-466 82 51 the the DET issue-466 82 52 level level NOUN issue-466 82 53 of of ADP issue-466 82 54 their their PRON issue-466 82 55 own own ADJ issue-466 82 56 financial financial ADJ issue-466 82 57 resources resource NOUN issue-466 82 58 management management NOUN issue-466 82 59 through through ADP issue-466 82 60 the the DET issue-466 82 61 use use NOUN issue-466 82 62 of of ADP issue-466 82 63 their their PRON issue-466 82 64 own own ADJ issue-466 82 65 cabinets cabinet NOUN issue-466 82 66 of of ADP issue-466 82 67 clients client NOUN issue-466 82 68 on on ADP issue-466 82 69 the the DET issue-466 82 70 sites site NOUN issue-466 82 71 , , PUNCT issue-466 82 72 for for ADP issue-466 82 73 example example NOUN issue-466 82 74 , , PUNCT issue-466 82 75 the the DET issue-466 82 76 banking banking NOUN issue-466 82 77 institutions institution NOUN issue-466 82 78 , , PUNCT issue-466 82 79 which which PRON issue-466 82 80 displays display VERB issue-466 82 81 all all DET issue-466 82 82 information information NOUN issue-466 82 83 about about ADP issue-466 82 84 cash cash NOUN issue-466 82 85 flow flow NOUN issue-466 82 86 ( ( PUNCT issue-466 82 87 privat privat NOUN issue-466 82 88 24 24 NUM issue-466 82 89 , , PUNCT issue-466 82 90 raiffeisen raiffeisen PROPN issue-466 82 91 online online PROPN issue-466 82 92 etc etc X issue-466 82 93 . . PUNCT issue-466 82 94 ) ) PUNCT issue-466 82 95 ; ; PUNCT issue-466 82 96 – – PUNCT issue-466 82 97 reducing reduce VERB issue-466 82 98 the the DET issue-466 82 99 cost cost NOUN issue-466 82 100 of of ADP issue-466 82 101 obtaining obtain VERB issue-466 82 102 information information NOUN issue-466 82 103 about about ADP issue-466 82 104 their their PRON issue-466 82 105 own own ADJ issue-466 82 106 accounts account NOUN issue-466 82 107 , , PUNCT issue-466 82 108 the the DET issue-466 82 109 speed speed NOUN issue-466 82 110 of of ADP issue-466 82 111 its its PRON issue-466 82 112 receipt receipt NOUN issue-466 82 113 ; ; PUNCT issue-466 82 114 – – PUNCT issue-466 82 115 the the DET issue-466 82 116 ability ability NOUN issue-466 82 117 to to PART issue-466 82 118 make make VERB issue-466 82 119 fast fast ADJ issue-466 82 120 payments payment NOUN issue-466 82 121 and and CCONJ issue-466 82 122 transfer transfer VERB issue-466 82 123 funds fund NOUN issue-466 82 124 from from ADP issue-466 82 125 one one NUM issue-466 82 126 account account NOUN issue-466 82 127 to to ADP issue-466 82 128 another another PRON issue-466 82 129 ; ; PUNCT issue-466 82 130 – – PUNCT issue-466 82 131 obtaining obtain VERB issue-466 82 132 an an DET issue-466 82 133 opportunity opportunity NOUN issue-466 82 134 to to PART issue-466 82 135 use use VERB issue-466 82 136 certain certain ADJ issue-466 82 137 types type NOUN issue-466 82 138 of of ADP issue-466 82 139 banking banking NOUN issue-466 82 140 services service NOUN issue-466 82 141 free free ADJ issue-466 82 142 of of ADP issue-466 82 143 charge charge NOUN issue-466 82 144 ; ; PUNCT issue-466 82 145 for for ADP issue-466 82 146 the the DET issue-466 82 147 producers producer NOUN issue-466 82 148 of of ADP issue-466 82 149 financial financial ADJ issue-466 82 150 services service NOUN issue-466 82 151 : : PUNCT issue-466 82 152 – – PUNCT issue-466 82 153 attracting attract VERB issue-466 82 154 new new ADJ issue-466 82 155 customers customer NOUN issue-466 82 156 by by ADP issue-466 82 157 creating create VERB issue-466 82 158 and and CCONJ issue-466 82 159 providing provide VERB issue-466 82 160 more more ADV issue-466 82 161 competitive competitive ADJ issue-466 82 162 financial financial ADJ issue-466 82 163 services service NOUN issue-466 82 164 ; ; PUNCT issue-466 82 165 – – PUNCT issue-466 82 166 expansion expansion NOUN issue-466 82 167 of of ADP issue-466 82 168 the the DET issue-466 82 169 list list NOUN issue-466 82 170 of of ADP issue-466 82 171 the the DET issue-466 82 172 financial financial ADJ issue-466 82 173 services service NOUN issue-466 82 174 that that PRON issue-466 82 175 can can AUX issue-466 82 176 be be AUX issue-466 82 177 provided provide VERB issue-466 82 178 to to ADP issue-466 82 179 clients client NOUN issue-466 82 180 ; ; PUNCT issue-466 82 181 – – PUNCT issue-466 82 182 increasing increase VERB issue-466 82 183 the the DET issue-466 82 184 channels channel NOUN issue-466 82 185 of of ADP issue-466 82 186 the the DET issue-466 82 187 financial financial ADJ issue-466 82 188 products product NOUN issue-466 82 189 sale sale NOUN issue-466 82 190 for for ADP issue-466 82 191 customers customer NOUN issue-466 82 192 ( ( PUNCT issue-466 82 193 using use VERB issue-466 82 194 sms sms PROPN issue-466 82 195 , , PUNCT issue-466 82 196 e e NOUN issue-466 82 197 - - NOUN issue-466 82 198 mail mail NOUN issue-466 82 199 , , PUNCT issue-466 82 200 personal personal ADJ issue-466 82 201 cabinets cabinet NOUN issue-466 82 202 , , PUNCT issue-466 82 203 etc etc X issue-466 82 204 . . X issue-466 82 205 ) ) PUNCT issue-466 82 206 ; ; PUNCT issue-466 82 207 – – PUNCT issue-466 82 208 reducing reduce VERB issue-466 82 209 the the DET issue-466 82 210 operating operating NOUN issue-466 82 211 costs cost NOUN issue-466 82 212 of of ADP issue-466 82 213 the the DET issue-466 82 214 financial financial ADJ issue-466 82 215 institutions institution NOUN issue-466 82 216 through through ADP issue-466 82 217 the the DET issue-466 82 218 transfer transfer NOUN issue-466 82 219 of of ADP issue-466 82 220 the the DET issue-466 82 221 customer customer NOUN issue-466 82 222 service service NOUN issue-466 82 223 to to ADP issue-466 82 224 online online ADJ issue-466 82 225 mode mode NOUN issue-466 82 226 , , PUNCT issue-466 82 227 which which PRON issue-466 82 228 does do AUX issue-466 82 229 not not PART issue-466 82 230 require require VERB issue-466 82 231 a a DET issue-466 82 232 wide wide ADJ issue-466 82 233 network network NOUN issue-466 82 234 of of ADP issue-466 82 235 branches branch NOUN issue-466 82 236 and and CCONJ issue-466 82 237 affiliates affiliate NOUN issue-466 82 238 ; ; PUNCT issue-466 82 239 – – PUNCT issue-466 82 240 application application NOUN issue-466 82 241 of of ADP issue-466 82 242 mechanisms mechanism NOUN issue-466 82 243 for for ADP issue-466 82 244 processing process VERB issue-466 82 245 large large ADJ issue-466 82 246 amounts amount NOUN issue-466 82 247 of of ADP issue-466 82 248 data datum NOUN issue-466 82 249 allows allow VERB issue-466 82 250 you you PRON issue-466 82 251 to to PART issue-466 82 252 create create VERB issue-466 82 253 individual individual ADJ issue-466 82 254 financial financial ADJ issue-466 82 255 products product NOUN issue-466 82 256 and and CCONJ issue-466 82 257 maximally maximally ADV issue-466 82 258 satisfy satisfy VERB issue-466 82 259 the the DET issue-466 82 260 needs need NOUN issue-466 82 261 of of ADP issue-466 82 262 consumers consumer NOUN issue-466 82 263 in in ADP issue-466 82 264 the the DET issue-466 82 265 relevant relevant ADJ issue-466 82 266 services service NOUN issue-466 82 267 ; ; PUNCT issue-466 82 268 – – PUNCT issue-466 82 269 introduction introduction NOUN issue-466 82 270 of of ADP issue-466 82 271 technologies technology NOUN issue-466 82 272 for for ADP issue-466 82 273 processing process VERB issue-466 82 274 large large ADJ issue-466 82 275 amounts amount NOUN issue-466 82 276 of of ADP issue-466 82 277 the the DET issue-466 82 278 management management NOUN issue-466 82 279 information information NOUN issue-466 82 280 , , PUNCT issue-466 82 281 which which PRON issue-466 82 282 make make VERB issue-466 82 283 it it PRON issue-466 82 284 timely timely ADV issue-466 82 285 , , PUNCT issue-466 82 286 simplify simplify VERB issue-466 82 287 the the DET issue-466 82 288 way way NOUN issue-466 82 289 of of ADP issue-466 82 290 obtaining obtain VERB issue-466 82 291 such such ADJ issue-466 82 292 data datum NOUN issue-466 82 293 between between ADP issue-466 82 294 different different ADJ issue-466 82 295 structural structural ADJ issue-466 82 296 units unit NOUN issue-466 82 297 of of ADP issue-466 82 298 the the DET issue-466 82 299 financial financial ADJ issue-466 82 300 institutions institution NOUN issue-466 82 301 , , PUNCT issue-466 82 302 which which PRON issue-466 82 303 improves improve VERB issue-466 82 304 the the DET issue-466 82 305 quality quality NOUN issue-466 82 306 of of ADP issue-466 82 307 management management NOUN issue-466 82 308 ; ; PUNCT issue-466 82 309 – – PUNCT issue-466 82 310 the the DET issue-466 82 311 ability ability NOUN issue-466 82 312 , , PUNCT issue-466 82 313 through through ADP issue-466 82 314 the the DET issue-466 82 315 data datum NOUN issue-466 82 316 processing processing NOUN issue-466 82 317 , , PUNCT issue-466 82 318 to to PART issue-466 82 319 generate generate VERB issue-466 82 320 statistical statistical ADJ issue-466 82 321 , , PUNCT issue-466 82 322 analytical analytical ADJ issue-466 82 323 reports report NOUN issue-466 82 324 , , PUNCT issue-466 82 325 which which PRON issue-466 82 326 will will AUX issue-466 82 327 be be AUX issue-466 82 328 created create VERB issue-466 82 329 in in ADP issue-466 82 330 an an DET issue-466 82 331 automatic automatic ADJ issue-466 82 332 mode mode NOUN issue-466 82 333 and and CCONJ issue-466 82 334 meet meet VERB issue-466 82 335 the the DET issue-466 82 336 needs need NOUN issue-466 82 337 of of ADP issue-466 82 338 the the DET issue-466 82 339 financial financial ADJ issue-466 82 340 institution institution NOUN issue-466 82 341 ’s ’s PART issue-466 82 342 management management NOUN issue-466 82 343 and and CCONJ issue-466 82 344 the the DET issue-466 82 345 external external ADJ issue-466 82 346 consumers consumer NOUN issue-466 82 347 of of ADP issue-466 82 348 such such ADJ issue-466 82 349 information information NOUN issue-466 82 350 ; ; PUNCT issue-466 82 351 – – PUNCT issue-466 82 352 increase increase VERB issue-466 82 353 the the DET issue-466 82 354 speed speed NOUN issue-466 82 355 of of ADP issue-466 82 356 managing manage VERB issue-466 82 357 the the DET issue-466 82 358 managerial managerial ADJ issue-466 82 359 information information NOUN issue-466 82 360 online online ADV issue-466 82 361 through through ADP issue-466 82 362 the the DET issue-466 82 363 introduction introduction NOUN issue-466 82 364 of of ADP issue-466 82 365 unified unified ADJ issue-466 82 366 systems system NOUN issue-466 82 367 for for ADP issue-466 82 368 the the DET issue-466 82 369 automatic automatic ADJ issue-466 82 370 control control NOUN issue-466 82 371 of of ADP issue-466 82 372 financial financial ADJ issue-466 82 373 institutions institution NOUN issue-466 82 374 with with ADP issue-466 82 375 the the DET issue-466 82 376 hierarchical hierarchical ADJ issue-466 82 377 systems system NOUN issue-466 82 378 of of ADP issue-466 82 379 access access NOUN issue-466 82 380 to to ADP issue-466 82 381 various various ADJ issue-466 82 382 types type NOUN issue-466 82 383 of of ADP issue-466 82 384 data datum NOUN issue-466 82 385 ; ; PUNCT issue-466 82 386 – – PUNCT issue-466 82 387 reducing reduce VERB issue-466 82 388 the the DET issue-466 82 389 number number NOUN issue-466 82 390 of of ADP issue-466 82 391 errors error NOUN issue-466 82 392 in in ADP issue-466 82 393 the the DET issue-466 82 394 process process NOUN issue-466 82 395 of of ADP issue-466 82 396 the the DET issue-466 82 397 data datum NOUN issue-466 82 398 processing processing NOUN issue-466 82 399 and and CCONJ issue-466 82 400 creating create VERB issue-466 82 401 the the DET issue-466 82 402 necessary necessary ADJ issue-466 82 403 reports report NOUN issue-466 82 404 , , PUNCT issue-466 82 405 which which PRON issue-466 82 406 increases increase VERB issue-466 82 407 the the DET issue-466 82 408 quality quality NOUN issue-466 82 409 of of ADP issue-466 82 410 the the DET issue-466 82 411 information information NOUN issue-466 82 412 and and CCONJ issue-466 82 413 affects affect VERB issue-466 82 414 the the DET issue-466 82 415 efficiency efficiency NOUN issue-466 82 416 of of ADP issue-466 82 417 the the DET issue-466 82 418 financial financial ADJ issue-466 82 419 institutions institution NOUN issue-466 82 420 ’ ' PUNCT issue-466 82 421 management management NOUN issue-466 82 422 ; ; PUNCT issue-466 82 423 – – PUNCT issue-466 82 424 mechanisms mechanism NOUN issue-466 82 425 ’ ' PUNCT issue-466 82 426 introduction introduction NOUN issue-466 82 427 for for ADP issue-466 82 428 the the DET issue-466 82 429 business business NOUN issue-466 82 430 processes process NOUN issue-466 82 431 automation automation NOUN issue-466 82 432 , , PUNCT issue-466 82 433 which which PRON issue-466 82 434 makes make VERB issue-466 82 435 it it PRON issue-466 82 436 possible possible ADJ issue-466 82 437 to to PART issue-466 82 438 simplify simplify VERB issue-466 82 439 operations operation NOUN issue-466 82 440 of of ADP issue-466 82 441 a a DET issue-466 82 442 financial financial ADJ issue-466 82 443 institution institution NOUN issue-466 82 444 , , PUNCT issue-466 82 445 to to PART issue-466 82 446 increase increase VERB issue-466 82 447 the the DET issue-466 82 448 efficiency efficiency NOUN issue-466 82 449 of of ADP issue-466 82 450 its its PRON issue-466 82 451 work work NOUN issue-466 82 452 by by ADP issue-466 82 453 reducing reduce VERB issue-466 82 454 the the DET issue-466 82 455 number number NOUN issue-466 82 456 of of ADP issue-466 82 457 employees employee NOUN issue-466 82 458 and and CCONJ issue-466 82 459 the the DET issue-466 82 460 probability probability NOUN issue-466 82 461 of of ADP issue-466 82 462 errors error NOUN issue-466 82 463 ; ; PUNCT issue-466 82 464 – – PUNCT issue-466 82 465 enhancement enhancement NOUN issue-466 82 466 of of ADP issue-466 82 467 cooperation cooperation NOUN issue-466 82 468 between between ADP issue-466 82 469 different different ADJ issue-466 82 470 financial financial ADJ issue-466 82 471 units unit NOUN issue-466 82 472 of of ADP issue-466 82 473 structural structural ADJ issue-466 82 474 units unit NOUN issue-466 82 475 through through ADP issue-466 82 476 the the DET issue-466 82 477 improvement improvement NOUN issue-466 82 478 of of ADP issue-466 82 479 processes process NOUN issue-466 82 480 of of ADP issue-466 82 481 circulation circulation NOUN issue-466 82 482 and and CCONJ issue-466 82 483 exchange exchange NOUN issue-466 82 484 of of ADP issue-466 82 485 information information NOUN issue-466 82 486 between between ADP issue-466 82 487 them they PRON issue-466 82 488 , , PUNCT issue-466 82 489 etc etc X issue-466 82 490 . . X issue-466 82 491 consequently consequently ADV issue-466 82 492 , , PUNCT issue-466 82 493 the the DET issue-466 82 494 impact impact NOUN issue-466 82 495 of of ADP issue-466 82 496 the the DET issue-466 82 497 information information NOUN issue-466 82 498 technology technology NOUN issue-466 82 499 on on ADP issue-466 82 500 the the DET issue-466 82 501 financial financial ADJ issue-466 82 502 services service NOUN issue-466 82 503 market market NOUN issue-466 82 504 development development NOUN issue-466 82 505 is be AUX issue-466 82 506 indeed indeed ADV issue-466 82 507 positive positive ADJ issue-466 82 508 in in ADP issue-466 82 509 most most ADJ issue-466 82 510 cases case NOUN issue-466 82 511 and and CCONJ issue-466 82 512 comprises comprise VERB issue-466 82 513 an an DET issue-466 82 514 enormous enormous ADJ issue-466 82 515 potential potential NOUN issue-466 82 516 for for ADP issue-466 82 517 its its PRON issue-466 82 518 further further ADJ issue-466 82 519 transformation transformation NOUN issue-466 82 520 and and CCONJ issue-466 82 521 the the DET issue-466 82 522 introduction introduction NOUN issue-466 82 523 of of ADP issue-466 82 524 new new ADJ issue-466 82 525 innovative innovative ADJ issue-466 82 526 products product NOUN issue-466 82 527 . . PUNCT issue-466 83 1 however however ADV issue-466 83 2 , , PUNCT issue-466 83 3 the the DET issue-466 83 4 experience experience NOUN issue-466 83 5 also also ADV issue-466 83 6 shows show VERB issue-466 83 7 that that SCONJ issue-466 83 8 the the DET issue-466 83 9 interaction interaction NOUN issue-466 83 10 in in ADP issue-466 83 11 the the DET issue-466 83 12 system system NOUN issue-466 83 13 “ " PUNCT issue-466 83 14 technologymarket technologymarket NOUN issue-466 83 15 ” " PUNCT issue-466 83 16 is be AUX issue-466 83 17 not not PART issue-466 83 18 always always ADV issue-466 83 19 unambiguous unambiguous ADJ issue-466 83 20 from from ADP issue-466 83 21 the the DET issue-466 83 22 standpoint standpoint NOUN issue-466 83 23 of of ADP issue-466 83 24 assessing assess VERB issue-466 83 25 only only ADV issue-466 83 26 the the DET issue-466 83 27 impact impact NOUN issue-466 83 28 of of ADP issue-466 83 29 the the DET issue-466 83 30 relevant relevant ADJ issue-466 83 31 technologies technology NOUN issue-466 83 32 on on ADP issue-466 83 33 the the DET issue-466 83 34 change change NOUN issue-466 83 35 of of ADP issue-466 83 36 a a DET issue-466 83 37 particular particular ADJ issue-466 83 38 economic economic ADJ issue-466 83 39 object object NOUN issue-466 83 40 , , PUNCT issue-466 83 41 sometimes sometimes ADV issue-466 83 42 changes change NOUN issue-466 83 43 occur occur VERB issue-466 83 44 within within ADP issue-466 83 45 the the DET issue-466 83 46 object object NOUN issue-466 83 47 itself itself PRON issue-466 83 48 and and CCONJ issue-466 83 49 require require VERB issue-466 83 50 the the DET issue-466 83 51 use use NOUN issue-466 83 52 of of ADP issue-466 83 53 the the DET issue-466 83 54 information information NOUN issue-466 83 55 technology technology NOUN issue-466 83 56 and and CCONJ issue-466 83 57 then then ADV issue-466 83 58 the the DET issue-466 83 59 relationship relationship NOUN issue-466 83 60 is be AUX issue-466 83 61 transformed transform VERB issue-466 83 62 into into ADP issue-466 83 63 the the DET issue-466 83 64 following follow VERB issue-466 83 65 form form NOUN issue-466 83 66 : : PUNCT issue-466 83 67 “ " PUNCT issue-466 83 68 market market NOUN issue-466 83 69 - - PUNCT issue-466 83 70 technology technology NOUN issue-466 83 71 ” " PUNCT issue-466 83 72 . . PUNCT issue-466 84 1 the the DET issue-466 84 2 outlined outline VERB issue-466 84 3 only only ADV issue-466 84 4 emphasizes emphasize VERB issue-466 84 5 the the DET issue-466 84 6 complex complex ADJ issue-466 84 7 correlation correlation NOUN issue-466 84 8 of of ADP issue-466 84 9 information information NOUN issue-466 84 10 technologies technology NOUN issue-466 84 11 and and CCONJ issue-466 84 12 the the DET issue-466 84 13 general general ADJ issue-466 84 14 information information NOUN issue-466 84 15 economy economy NOUN issue-466 84 16 and and CCONJ issue-466 84 17 the the DET issue-466 84 18 financial financial ADJ issue-466 84 19 services service NOUN issue-466 84 20 market market NOUN issue-466 84 21 . . PUNCT issue-466 85 1 let let VERB issue-466 85 2 us we PRON issue-466 85 3 consider consider VERB issue-466 85 4 it it PRON issue-466 85 5 more more ADV issue-466 85 6 thoroughly thoroughly ADV issue-466 85 7 . . PUNCT issue-466 86 1 in in ADP issue-466 86 2 fig fig NOUN issue-466 86 3 . . PUNCT issue-466 87 1 1 1 NUM issue-466 87 2 , , PUNCT issue-466 87 3 the the DET issue-466 87 4 model model NOUN issue-466 87 5 of of ADP issue-466 87 6 the the DET issue-466 87 7 interaction interaction NOUN issue-466 87 8 between between ADP issue-466 87 9 the the DET issue-466 87 10 financial financial ADJ issue-466 87 11 services service NOUN issue-466 87 12 market market NOUN issue-466 87 13 and and CCONJ issue-466 87 14 the the DET issue-466 87 15 information information NOUN issue-466 87 16 economy economy NOUN issue-466 87 17 is be AUX issue-466 87 18 constructed construct VERB issue-466 87 19 ( ( PUNCT issue-466 87 20 dubyna dubyna NOUN issue-466 87 21 , , PUNCT issue-466 87 22 2017 2017 NUM issue-466 87 23 ) ) PUNCT issue-466 87 24 . . PUNCT issue-466 88 1 4 4 X issue-466 88 2 . . X issue-466 88 3 determinants determinant NOUN issue-466 88 4 of of ADP issue-466 88 5 the the DET issue-466 88 6 transformation transformation NOUN issue-466 88 7 of of ADP issue-466 88 8 the the DET issue-466 88 9 financial financial ADJ issue-466 88 10 services service NOUN issue-466 88 11 market market NOUN issue-466 88 12 within within ADP issue-466 88 13 the the DET issue-466 88 14 framework framework NOUN issue-466 88 15 of of ADP issue-466 88 16 the the DET issue-466 88 17 information information NOUN issue-466 88 18 economy economy NOUN issue-466 88 19 let let VERB issue-466 88 20 ’s ’s PRON issue-466 88 21 consider consider VERB issue-466 88 22 the the DET issue-466 88 23 decisive decisive ADJ issue-466 88 24 determinants determinant NOUN issue-466 88 25 of of ADP issue-466 88 26 the the DET issue-466 88 27 financial financial ADJ issue-466 88 28 services service NOUN issue-466 88 29 market market NOUN issue-466 88 30 transformation transformation NOUN issue-466 88 31 within within ADP issue-466 88 32 the the DET issue-466 88 33 information information NOUN issue-466 88 34 economy economy NOUN issue-466 88 35 , , PUNCT issue-466 88 36 which which PRON issue-466 88 37 had have VERB issue-466 88 38 a a DET issue-466 88 39 powerful powerful ADJ issue-466 88 40 influence influence NOUN issue-466 88 41 on on ADP issue-466 88 42 the the DET issue-466 88 43 change change NOUN issue-466 88 44 in in ADP issue-466 88 45 this this DET issue-466 88 46 sphere sphere NOUN issue-466 88 47 of of ADP issue-466 88 48 the the DET issue-466 88 49 customer customer NOUN issue-466 88 50 service service NOUN issue-466 88 51 . . PUNCT issue-466 89 1 according accord VERB issue-466 89 2 to to ADP issue-466 89 3 our our PRON issue-466 89 4 belief belief NOUN issue-466 89 5 , , PUNCT issue-466 89 6 the the DET issue-466 89 7 following follow VERB issue-466 89 8 can can AUX issue-466 89 9 be be AUX issue-466 89 10 attributed attribute VERB issue-466 89 11 to to ADP issue-466 89 12 them they PRON issue-466 89 13 . . PUNCT issue-466 90 1 1 1 X issue-466 90 2 . . X issue-466 90 3 implementation implementation NOUN issue-466 90 4 of of ADP issue-466 90 5 online online ADJ issue-466 90 6 platforms platform NOUN issue-466 90 7 for for ADP issue-466 90 8 providing provide VERB issue-466 90 9 the the DET issue-466 90 10 financial financial ADJ issue-466 90 11 services service NOUN issue-466 90 12 to to ADP issue-466 90 13 consumers consumer NOUN issue-466 90 14 , , PUNCT issue-466 90 15 which which PRON issue-466 90 16 completely completely ADV issue-466 90 17 transform transform VERB issue-466 90 18 the the DET issue-466 90 19 process process NOUN issue-466 90 20 of of ADP issue-466 90 21 providing provide VERB issue-466 90 22 the the DET issue-466 90 23 specified specify VERB issue-466 90 24 services service NOUN issue-466 90 25 . . PUNCT issue-466 91 1 the the DET issue-466 91 2 information information NOUN issue-466 91 3 technologies technology NOUN issue-466 91 4 , , PUNCT issue-466 91 5 as as SCONJ issue-466 91 6 already already ADV issue-466 91 7 mentioned mention VERB issue-466 91 8 , , PUNCT issue-466 91 9 permeate permeate VERB issue-466 91 10 the the DET issue-466 91 11 entire entire ADJ issue-466 91 12 sphere sphere NOUN issue-466 91 13 of of ADP issue-466 91 14 the the DET issue-466 91 15 financial financial ADJ issue-466 91 16 services service NOUN issue-466 91 17 . . PUNCT issue-466 92 1 implementation implementation NOUN issue-466 92 2 of of ADP issue-466 92 3 modern modern ADJ issue-466 92 4 technologies technology NOUN issue-466 92 5 in in ADP issue-466 92 6 the the DET issue-466 92 7 process process NOUN issue-466 92 8 of of ADP issue-466 92 9 their their PRON issue-466 92 10 provision provision NOUN issue-466 92 11 is be AUX issue-466 92 12 one one NUM issue-466 92 13 of of ADP issue-466 92 14 the the DET issue-466 92 15 conditions condition NOUN issue-466 92 16 for for ADP issue-466 92 17 increasing increase VERB issue-466 92 18 the the DET issue-466 92 19 competitiveness competitiveness NOUN issue-466 92 20 of of ADP issue-466 92 21 financial financial ADJ issue-466 92 22 institutions institution NOUN issue-466 92 23 in in ADP issue-466 92 24 the the DET issue-466 92 25 competitive competitive ADJ issue-466 92 26 market market NOUN issue-466 92 27 for for ADP issue-466 92 28 financial financial ADJ issue-466 92 29 services service NOUN issue-466 92 30 . . PUNCT issue-466 93 1 within within ADP issue-466 93 2 this this DET issue-466 93 3 market market NOUN issue-466 93 4 , , PUNCT issue-466 93 5 there there PRON issue-466 93 6 is be VERB issue-466 93 7 a a DET issue-466 93 8 struggle struggle NOUN issue-466 93 9 for for ADP issue-466 93 10 reliable reliable ADJ issue-466 93 11 clients client NOUN issue-466 93 12 between between ADP issue-466 93 13 the the DET issue-466 93 14 financial financial ADJ issue-466 93 15 intermediaries intermediary NOUN issue-466 93 16 and and CCONJ issue-466 93 17 simplifying simplify VERB issue-466 93 18 the the DET issue-466 93 19 settlement settlement NOUN issue-466 93 20 process process NOUN issue-466 93 21 , , PUNCT issue-466 93 22 getting get VERB issue-466 93 23 loans loan NOUN issue-466 93 24 is be AUX issue-466 93 25 an an DET issue-466 93 26 asset asset NOUN issue-466 93 27 and and CCONJ issue-466 93 28 encouraging encourage VERB issue-466 93 29 new new ADJ issue-466 93 30 clients client NOUN issue-466 93 31 to to PART issue-466 93 32 come come VERB issue-466 93 33 to to ADP issue-466 93 34 these these DET issue-466 93 35 institutions institution NOUN issue-466 93 36 . . PUNCT issue-466 94 1 the the DET issue-466 94 2 fact fact NOUN issue-466 94 3 of of ADP issue-466 94 4 the the DET issue-466 94 5 online online ADJ issue-466 94 6 platform platform NOUN issue-466 94 7 “ " PUNCT issue-466 94 8 privat privat PROPN issue-466 94 9 bank bank NOUN issue-466 94 10 ” " PUNCT issue-466 94 11 , , PUNCT issue-466 94 12 “ " PUNCT issue-466 94 13 privat privat ADJ issue-466 94 14 24 24 NUM issue-466 94 15 ” " PUNCT issue-466 94 16 implementation implementation NOUN issue-466 94 17 can can AUX issue-466 94 18 serve serve VERB issue-466 94 19 as as ADP issue-466 94 20 a a DET issue-466 94 21 sample sample NOUN issue-466 94 22 . . PUNCT issue-466 95 1 the the DET issue-466 95 2 availability availability NOUN issue-466 95 3 of of ADP issue-466 95 4 its its PRON issue-466 95 5 own own ADJ issue-466 95 6 system system NOUN issue-466 95 7 of of ADP issue-466 95 8 the the DET issue-466 95 9 internet internet NOUN issue-466 95 10 customer customer NOUN issue-466 95 11 service service NOUN issue-466 95 12 allowed allow VERB issue-466 95 13 the the DET issue-466 95 14 bank bank NOUN issue-466 95 15 to to PART issue-466 95 16 obtain obtain VERB issue-466 95 17 an an DET issue-466 95 18 additional additional ADJ issue-466 95 19 channel channel NOUN issue-466 95 20 for for ADP issue-466 95 21 the the DET issue-466 95 22 services service NOUN issue-466 95 23 provision provision NOUN issue-466 95 24 , , PUNCT issue-466 95 25 a a DET issue-466 95 26 source source NOUN issue-466 95 27 of of ADP issue-466 95 28 income income NOUN issue-466 95 29 generation generation NOUN issue-466 95 30 for for ADP issue-466 95 31 the the DET issue-466 95 32 bank bank NOUN issue-466 95 33 , , PUNCT issue-466 95 34 and and CCONJ issue-466 95 35 the the DET issue-466 95 36 possibility possibility NOUN issue-466 95 37 of of ADP issue-466 95 38 attracting attract VERB issue-466 95 39 new new ADJ issue-466 95 40 customers customer NOUN issue-466 95 41 , , PUNCT issue-466 95 42 who who PRON issue-466 95 43 are be AUX issue-466 95 44 interested interested ADJ issue-466 95 45 in in ADP issue-466 95 46 simplifying simplify VERB issue-466 95 47 the the DET issue-466 95 48 procedures procedure NOUN issue-466 95 49 of of ADP issue-466 95 50 the the DET issue-466 95 51 settlement settlement NOUN issue-466 95 52 and and CCONJ issue-466 95 53 cash cash NOUN issue-466 95 54 services service NOUN issue-466 95 55 . . PUNCT issue-466 96 1 the the DET issue-466 96 2 introduction introduction NOUN issue-466 96 3 by by ADP issue-466 96 4 the the DET issue-466 96 5 bank bank NOUN issue-466 96 6 of of ADP issue-466 96 7 special special ADJ issue-466 96 8 conditions condition NOUN issue-466 96 9 for for ADP issue-466 96 10 using use VERB issue-466 96 11 such such DET issue-466 96 12 a a DET issue-466 96 13 platform platform NOUN issue-466 96 14 allowed allow VERB issue-466 96 15 not not PART issue-466 96 16 only only ADV issue-466 96 17 to to PART issue-466 96 18 increase increase VERB issue-466 96 19 the the DET issue-466 96 20 number number NOUN issue-466 96 21 of of ADP issue-466 96 22 the the DET issue-466 96 23 clients client NOUN issue-466 96 24 , , PUNCT issue-466 96 25 but but CCONJ issue-466 96 26 also also ADV issue-466 96 27 to to PART issue-466 96 28 increase increase VERB issue-466 96 29 the the DET issue-466 96 30 number number NOUN issue-466 96 31 of of ADP issue-466 96 32 the the DET issue-466 96 33 issued issue VERB issue-466 96 34 credit credit NOUN issue-466 96 35 and and CCONJ issue-466 96 36 deposit deposit NOUN issue-466 96 37 baltic baltic ADJ issue-466 96 38 journal journal PROPN issue-466 96 39 of of ADP issue-466 96 40 economic economic ADJ issue-466 96 41 studies study NOUN issue-466 96 42 353 353 NUM issue-466 96 43 vol vol NOUN issue-466 96 44 . . PUNCT issue-466 97 1 4 4 NUM issue-466 97 2 , , PUNCT issue-466 97 3 no no INTJ issue-466 97 4 . . NOUN issue-466 97 5 3 3 NUM issue-466 97 6 , , PUNCT issue-466 97 7 2018 2018 NUM issue-466 97 8 cards card NOUN issue-466 97 9 , , PUNCT issue-466 97 10 to to PART issue-466 97 11 increase increase VERB issue-466 97 12 the the DET issue-466 97 13 volume volume NOUN issue-466 97 14 of of ADP issue-466 97 15 the the DET issue-466 97 16 settlement settlement NOUN issue-466 97 17 and and CCONJ issue-466 97 18 cash cash NOUN issue-466 97 19 operations operation NOUN issue-466 97 20 and and CCONJ issue-466 97 21 to to PART issue-466 97 22 partially partially ADV issue-466 97 23 unload unload VERB issue-466 97 24 the the DET issue-466 97 25 cash cash NOUN issue-466 97 26 offices office NOUN issue-466 97 27 in in ADP issue-466 97 28 separate separate ADJ issue-466 97 29 branches branch NOUN issue-466 97 30 of of ADP issue-466 97 31 the the DET issue-466 97 32 bank bank NOUN issue-466 97 33 . . PUNCT issue-466 98 1 online online ADJ issue-466 98 2 servicing servicing NOUN issue-466 98 3 is be AUX issue-466 98 4 primarily primarily ADV issue-466 98 5 associated associate VERB issue-466 98 6 with with ADP issue-466 98 7 the the DET issue-466 98 8 ability ability NOUN issue-466 98 9 to to PART issue-466 98 10 carry carry VERB issue-466 98 11 out out ADP issue-466 98 12 the the DET issue-466 98 13 settlement settlement NOUN issue-466 98 14 transactions transaction NOUN issue-466 98 15 over over ADP issue-466 98 16 the the DET issue-466 98 17 internet internet NOUN issue-466 98 18 . . PUNCT issue-466 99 1 in in ADP issue-466 99 2 this this DET issue-466 99 3 case case NOUN issue-466 99 4 , , PUNCT issue-466 99 5 financial financial ADJ issue-466 99 6 institutions institution NOUN issue-466 99 7 , , PUNCT issue-466 99 8 in in ADP issue-466 99 9 most most ADJ issue-466 99 10 cases case NOUN issue-466 99 11 – – PUNCT issue-466 99 12 commercial commercial ADJ issue-466 99 13 banks bank NOUN issue-466 99 14 , , PUNCT issue-466 99 15 have have AUX issue-466 99 16 developed develop VERB issue-466 99 17 actively actively ADV issue-466 99 18 in in ADP issue-466 99 19 recent recent ADJ issue-466 99 20 years year NOUN issue-466 99 21 the the DET issue-466 99 22 models model NOUN issue-466 99 23 of of ADP issue-466 99 24 the the DET issue-466 99 25 internet internet NOUN issue-466 99 26 banking banking NOUN issue-466 99 27 , , PUNCT issue-466 99 28 where where SCONJ issue-466 99 29 the the DET issue-466 99 30 creation creation NOUN issue-466 99 31 of of ADP issue-466 99 32 the the DET issue-466 99 33 online online ADJ issue-466 99 34 systems system NOUN issue-466 99 35 is be AUX issue-466 99 36 on on ADP issue-466 99 37 the the DET issue-466 99 38 most most ADV issue-466 99 39 important important ADJ issue-466 99 40 place place NOUN issue-466 99 41 . . PUNCT issue-466 100 1 that that PRON issue-466 100 2 is be AUX issue-466 100 3 why why SCONJ issue-466 100 4 , , PUNCT issue-466 100 5 it it PRON issue-466 100 6 is be AUX issue-466 100 7 difficult difficult ADJ issue-466 100 8 not not PART issue-466 100 9 to to PART issue-466 100 10 argue argue VERB issue-466 100 11 with with ADP issue-466 100 12 yuriy yuriy PROPN issue-466 100 13     SPACE issue-466 100 14 g. g. PROPN issue-466 100 15 that that PRON issue-466 100 16 in in ADP issue-466 100 17 the the DET issue-466 100 18 information information NOUN issue-466 100 19 age age NOUN issue-466 100 20 , , PUNCT issue-466 100 21 the the DET issue-466 100 22 financial financial ADJ issue-466 100 23 institutions institution NOUN issue-466 100 24 are be AUX issue-466 100 25 obliged oblige VERB issue-466 100 26 to to PART issue-466 100 27 provide provide VERB issue-466 100 28 the the DET issue-466 100 29 clients client NOUN issue-466 100 30 with with ADP issue-466 100 31 the the DET issue-466 100 32 service service NOUN issue-466 100 33 and and CCONJ issue-466 100 34 the the DET issue-466 100 35 ability ability NOUN issue-466 100 36 to to PART issue-466 100 37 manage manage VERB issue-466 100 38 their their PRON issue-466 100 39 finances finance NOUN issue-466 100 40 in in ADP issue-466 100 41 a a DET issue-466 100 42 24/7 24/7 NUM issue-466 100 43 mode mode NOUN issue-466 100 44 . . PUNCT issue-466 101 1 this this PRON issue-466 101 2 is be AUX issue-466 101 3 not not PART issue-466 101 4 about about ADP issue-466 101 5 the the DET issue-466 101 6 basic basic ADJ issue-466 101 7 needs need NOUN issue-466 101 8 like like ADP issue-466 101 9 money money NOUN issue-466 101 10 transfer transfer NOUN issue-466 101 11 or or CCONJ issue-466 101 12 utility utility NOUN issue-466 101 13 payment payment NOUN issue-466 101 14 but but CCONJ issue-466 101 15 also also ADV issue-466 101 16 the the DET issue-466 101 17 ability ability NOUN issue-466 101 18 to to PART issue-466 101 19 open open VERB issue-466 101 20 a a DET issue-466 101 21 deposit deposit NOUN issue-466 101 22 , , PUNCT issue-466 101 23 issue issue NOUN issue-466 101 24 or or CCONJ issue-466 101 25 repay repay VERB issue-466 101 26 a a DET issue-466 101 27 loan loan NOUN issue-466 101 28 ( ( PUNCT issue-466 101 29 yuriy yuriy PROPN issue-466 101 30 , , PUNCT issue-466 101 31 2016 2016 NUM issue-466 101 32 ) ) PUNCT issue-466 101 33 . . PUNCT issue-466 102 1 during during ADP issue-466 102 2 the the DET issue-466 102 3 last last ADJ issue-466 102 4 two two NUM issue-466 102 5 years year NOUN issue-466 102 6 , , PUNCT issue-466 102 7 all all DET issue-466 102 8 system system NOUN issue-466 102 9 banks bank NOUN issue-466 102 10 in in ADP issue-466 102 11 ukraine ukraine PROPN issue-466 102 12 have have AUX issue-466 102 13 created create VERB issue-466 102 14 the the DET issue-466 102 15 online online ADJ issue-466 102 16 platform platform NOUN issue-466 102 17 for for ADP issue-466 102 18 providing provide VERB issue-466 102 19 the the DET issue-466 102 20 financial financial ADJ issue-466 102 21 services service NOUN issue-466 102 22 market market VERB issue-466 102 23 the the DET issue-466 102 24 information information NOUN issue-466 102 25 economy economy NOUN issue-466 102 26 endogenous endogenous ADJ issue-466 102 27 potential potential NOUN issue-466 102 28 for for ADP issue-466 102 29 the the DET issue-466 102 30 information information NOUN issue-466 102 31 technologies technology NOUN issue-466 102 32 introduction introduction NOUN issue-466 102 33 exogenous exogenous ADJ issue-466 102 34 potential potential NOUN issue-466 102 35 for for SCONJ issue-466 102 36 the the DET issue-466 102 37 information information NOUN issue-466 102 38 technologies technology NOUN issue-466 102 39 introduction introduction VERB issue-466 102 40 the the DET issue-466 102 41 potential potential NOUN issue-466 102 42 of of ADP issue-466 102 43 the the DET issue-466 102 44 financial financial ADJ issue-466 102 45 services service NOUN issue-466 102 46 market market NOUN issue-466 102 47 development development NOUN issue-466 102 48 in in ADP issue-466 102 49 the the DET issue-466 102 50 field field NOUN issue-466 102 51 of of ADP issue-466 102 52 the the DET issue-466 102 53 information information NOUN issue-466 102 54 economy economy NOUN issue-466 102 55 functioning function VERB issue-466 102 56 i i PRON issue-466 102 57 s s VERB issue-466 103 1 f f X issue-466 103 2 o o NOUN issue-466 103 3 r r NOUN issue-466 103 4 m m NOUN issue-466 103 5 e e NOUN issue-466 104 1 d d NOUN issue-466 104 2 i i PRON issue-466 104 3 s s VERB issue-466 104 4 f f NOUN issue-466 104 5 o o NOUN issue-466 104 6 r r NOUN issue-466 104 7 m m NOUN issue-466 104 8 e e X issue-466 104 9 d d NOUN issue-466 104 10 in in ADP issue-466 104 11 the the DET issue-466 104 12 financial financial ADJ issue-466 104 13 institutions institution NOUN issue-466 104 14 there there PRON issue-466 104 15 is be VERB issue-466 104 16 a a DET issue-466 104 17 demand demand NOUN issue-466 104 18 for for ADP issue-466 104 19 new new ADJ issue-466 104 20 innovative innovative ADJ issue-466 104 21 technologies technology NOUN issue-466 104 22 in in ADP issue-466 104 23 this this DET issue-466 104 24 area area NOUN issue-466 104 25 , , PUNCT issue-466 104 26 which which PRON issue-466 104 27 contributes contribute VERB issue-466 104 28 to to ADP issue-466 104 29 the the DET issue-466 104 30 development development NOUN issue-466 104 31 of of ADP issue-466 104 32 the the DET issue-466 104 33 it it PROPN issue-466 104 34 services service NOUN issue-466 104 35 in in ADP issue-466 104 36 the the DET issue-466 104 37 country country NOUN issue-466 104 38 as as ADP issue-466 104 39 a a DET issue-466 104 40 whole whole NOUN issue-466 104 41 . . PUNCT issue-466 105 1 the the DET issue-466 105 2 financial financial ADJ issue-466 105 3 institutions institution NOUN issue-466 105 4 through through ADP issue-466 105 5 the the DET issue-466 105 6 financial financial ADJ issue-466 105 7 services service NOUN issue-466 105 8 market market NOUN issue-466 105 9 contribute contribute VERB issue-466 105 10 to to ADP issue-466 105 11 the the DET issue-466 105 12 financial financial ADJ issue-466 105 13 and and CCONJ issue-466 105 14 economic economic ADJ issue-466 105 15 development development NOUN issue-466 105 16 of of ADP issue-466 105 17 various various ADJ issue-466 105 18 economic economic ADJ issue-466 105 19 actors actor NOUN issue-466 105 20 increasing increase VERB issue-466 105 21 the the DET issue-466 105 22 speed speed NOUN issue-466 105 23 of of ADP issue-466 105 24 obtaining obtain VERB issue-466 105 25 the the DET issue-466 105 26 financial financial ADJ issue-466 105 27 information information NOUN issue-466 105 28 improves improve VERB issue-466 105 29 the the DET issue-466 105 30 financial financial ADJ issue-466 105 31 activity activity NOUN issue-466 105 32 of of ADP issue-466 105 33 the the DET issue-466 105 34 economic economic ADJ issue-466 105 35 entities entity NOUN issue-466 105 36 the the DET issue-466 105 37 financial financial ADJ issue-466 105 38 institutions institution NOUN issue-466 105 39 , , PUNCT issue-466 105 40 by by ADP issue-466 105 41 introducing introduce VERB issue-466 105 42 modern modern ADJ issue-466 105 43 information information NOUN issue-466 105 44 technologies technology NOUN issue-466 105 45 into into ADP issue-466 105 46 their their PRON issue-466 105 47 activities activity NOUN issue-466 105 48 , , PUNCT issue-466 105 49 increase increase VERB issue-466 105 50 their their PRON issue-466 105 51 competitiveness competitiveness NOUN issue-466 105 52 , , PUNCT issue-466 105 53 which which PRON issue-466 105 54 positively positively ADV issue-466 105 55 affects affect VERB issue-466 105 56 the the DET issue-466 105 57 competitiveness competitiveness NOUN issue-466 105 58 of of ADP issue-466 105 59 the the DET issue-466 105 60 country country NOUN issue-466 105 61 as as ADP issue-466 105 62 a a DET issue-466 105 63 whole whole NOUN issue-466 105 64 the the DET issue-466 105 65 development development NOUN issue-466 105 66 of of ADP issue-466 105 67 the the DET issue-466 105 68 internet internet NOUN issue-466 105 69 commerce commerce NOUN issue-466 105 70 requires require VERB issue-466 105 71 an an DET issue-466 105 72 increase increase NOUN issue-466 105 73 in in ADP issue-466 105 74 the the DET issue-466 105 75 innovation innovation NOUN issue-466 105 76 level level NOUN issue-466 105 77 in in ADP issue-466 105 78 the the DET issue-466 105 79 financial financial ADJ issue-466 105 80 services service NOUN issue-466 105 81 field field NOUN issue-466 105 82 for for ADP issue-466 105 83 the the DET issue-466 105 84 relevant relevant ADJ issue-466 105 85 calculations calculation NOUN issue-466 105 86 implementation implementation NOUN issue-466 105 87 the the DET issue-466 105 88 increase increase NOUN issue-466 105 89 of of ADP issue-466 105 90 the the DET issue-466 105 91 level level NOUN issue-466 105 92 of of ADP issue-466 105 93 the the DET issue-466 105 94 innovative innovative ADJ issue-466 105 95 re re NOUN issue-466 105 96 - - NOUN issue-466 105 97 equipment equipment NOUN issue-466 105 98 of of ADP issue-466 105 99 the the DET issue-466 105 100 business business NOUN issue-466 105 101 entities entity NOUN issue-466 105 102 of of ADP issue-466 105 103 different different ADJ issue-466 105 104 types type NOUN issue-466 105 105 requires require VERB issue-466 105 106 the the DET issue-466 105 107 new new ADJ issue-466 105 108 technologies technology NOUN issue-466 105 109 introduction introduction NOUN issue-466 105 110 in in ADP issue-466 105 111 the the DET issue-466 105 112 field field NOUN issue-466 105 113 of of ADP issue-466 105 114 the the DET issue-466 105 115 financial financial ADJ issue-466 105 116 services service NOUN issue-466 105 117 provision provision VERB issue-466 105 118 the the DET issue-466 105 119 growth growth NOUN issue-466 105 120 of of ADP issue-466 105 121 the the DET issue-466 105 122 national national ADJ issue-466 105 123 economic economic ADJ issue-466 105 124 systems system NOUN issue-466 105 125 openness openness NOUN issue-466 105 126 contributes contribute VERB issue-466 105 127 to to ADP issue-466 105 128 an an DET issue-466 105 129 increase increase NOUN issue-466 105 130 in in ADP issue-466 105 131 the the DET issue-466 105 132 rate rate NOUN issue-466 105 133 of of ADP issue-466 105 134 the the DET issue-466 105 135 capital capital NOUN issue-466 105 136 flow flow NOUN issue-466 105 137 between between ADP issue-466 105 138 the the DET issue-466 105 139 states state NOUN issue-466 105 140 , , PUNCT issue-466 105 141 which which PRON issue-466 105 142 requires require VERB issue-466 105 143 the the DET issue-466 105 144 development development NOUN issue-466 105 145 and and CCONJ issue-466 105 146 implementation implementation NOUN issue-466 105 147 of of ADP issue-466 105 148 the the DET issue-466 105 149 appropriate appropriate ADJ issue-466 105 150 technologies technology NOUN issue-466 105 151 in in ADP issue-466 105 152 the the DET issue-466 105 153 financial financial ADJ issue-466 105 154 services service NOUN issue-466 105 155 provision provision VERB issue-466 105 156 the the DET issue-466 105 157 competition competition NOUN issue-466 105 158 growth growth NOUN issue-466 105 159 between between ADP issue-466 105 160 the the DET issue-466 105 161 financial financial ADJ issue-466 105 162 institutions institution NOUN issue-466 105 163 requires require VERB issue-466 105 164 the the DET issue-466 105 165 continuous continuous ADJ issue-466 105 166 introduction introduction NOUN issue-466 105 167 of of ADP issue-466 105 168 the the DET issue-466 105 169 information information NOUN issue-466 105 170 technology technology NOUN issue-466 105 171 to to PART issue-466 105 172 maintain maintain VERB issue-466 105 173 their their PRON issue-466 105 174 competitiveness competitiveness NOUN issue-466 105 175 the the DET issue-466 105 176 transformation transformation NOUN issue-466 105 177 of of ADP issue-466 105 178 the the DET issue-466 105 179 state state NOUN issue-466 105 180 regulation regulation NOUN issue-466 105 181 system system NOUN issue-466 105 182 of of ADP issue-466 105 183 the the DET issue-466 105 184 financial financial ADJ issue-466 105 185 institutions institution NOUN issue-466 105 186 activities activity NOUN issue-466 105 187 requires require VERB issue-466 105 188 the the DET issue-466 105 189 implementation implementation NOUN issue-466 105 190 of of ADP issue-466 105 191 the the DET issue-466 105 192 necessary necessary ADJ issue-466 105 193 information information NOUN issue-466 105 194 technologies technology NOUN issue-466 105 195 for for ADP issue-466 105 196 processing process VERB issue-466 105 197 the the DET issue-466 105 198 data datum NOUN issue-466 105 199 and and CCONJ issue-466 105 200 producing produce VERB issue-466 105 201 the the DET issue-466 105 202 reports report NOUN issue-466 105 203 the the DET issue-466 105 204 growth growth NOUN issue-466 105 205 of of ADP issue-466 105 206 the the DET issue-466 105 207 economic economic ADJ issue-466 105 208 information information NOUN issue-466 105 209 volume volume NOUN issue-466 105 210 requires require VERB issue-466 105 211 the the DET issue-466 105 212 introduction introduction NOUN issue-466 105 213 of of ADP issue-466 105 214 the the DET issue-466 105 215 appropriate appropriate ADJ issue-466 105 216 technologies technology NOUN issue-466 105 217 for for ADP issue-466 105 218 its its PRON issue-466 105 219 processing processing NOUN issue-466 105 220 figure figure NOUN issue-466 105 221 1 1 NUM issue-466 105 222 . . PUNCT issue-466 106 1 the the DET issue-466 106 2 interaction interaction NOUN issue-466 106 3 between between ADP issue-466 106 4 the the DET issue-466 106 5 financial financial ADJ issue-466 106 6 services service NOUN issue-466 106 7 market market NOUN issue-466 106 8 and and CCONJ issue-466 106 9 the the DET issue-466 106 10 information information NOUN issue-466 106 11 economy economy NOUN issue-466 106 12 source source NOUN issue-466 106 13 : : PUNCT issue-466 106 14 compiled compile VERB issue-466 106 15 by by ADP issue-466 106 16 the the DET issue-466 106 17 authors author NOUN issue-466 106 18 baltic baltic PROPN issue-466 106 19 journal journal PROPN issue-466 106 20 of of ADP issue-466 106 21 economic economic ADJ issue-466 106 22 studies study NOUN issue-466 106 23 354 354 NUM issue-466 106 24 vol vol NOUN issue-466 106 25 . . PROPN issue-466 106 26 4 4 NUM issue-466 106 27 , , PUNCT issue-466 106 28 no no INTJ issue-466 106 29 . . NOUN issue-466 106 30 3 3 NUM issue-466 106 31 , , PUNCT issue-466 106 32 2018 2018 NUM issue-466 106 33 the the DET issue-466 106 34 financial financial ADJ issue-466 106 35 services service NOUN issue-466 106 36 to to ADP issue-466 106 37 clients client NOUN issue-466 106 38 . . PUNCT issue-466 107 1 this this DET issue-466 107 2 situation situation NOUN issue-466 107 3 was be AUX issue-466 107 4 objectively objectively ADV issue-466 107 5 dictated dictate VERB issue-466 107 6 by by ADP issue-466 107 7 the the DET issue-466 107 8 time time NOUN issue-466 107 9 and and CCONJ issue-466 107 10 the the DET issue-466 107 11 intensification intensification NOUN issue-466 107 12 of of ADP issue-466 107 13 processes process NOUN issue-466 107 14 of of ADP issue-466 107 15 the the DET issue-466 107 16 information information NOUN issue-466 107 17 technology technology NOUN issue-466 107 18 penetration penetration NOUN issue-466 107 19 into into ADP issue-466 107 20 the the DET issue-466 107 21 field field NOUN issue-466 107 22 of of ADP issue-466 107 23 the the DET issue-466 107 24 financial financial ADJ issue-466 107 25 services service NOUN issue-466 107 26 . . PUNCT issue-466 108 1 in in ADP issue-466 108 2 addition addition NOUN issue-466 108 3 , , PUNCT issue-466 108 4 the the DET issue-466 108 5 introduction introduction NOUN issue-466 108 6 of of ADP issue-466 108 7 the the DET issue-466 108 8 abovementioned abovementione VERB issue-466 108 9 systems system NOUN issue-466 108 10 promotes promote VERB issue-466 108 11 transparency transparency NOUN issue-466 108 12 of of ADP issue-466 108 13 the the DET issue-466 108 14 customer customer NOUN issue-466 108 15 service service NOUN issue-466 108 16 by by ADP issue-466 108 17 the the DET issue-466 108 18 banks bank NOUN issue-466 108 19 , , PUNCT issue-466 108 20 which which PRON issue-466 108 21 is be AUX issue-466 108 22 ensured ensure VERB issue-466 108 23 by by ADP issue-466 108 24 the the DET issue-466 108 25 constant constant ADJ issue-466 108 26 ability ability NOUN issue-466 108 27 of of ADP issue-466 108 28 consumers consumer NOUN issue-466 108 29 to to PART issue-466 108 30 check check VERB issue-466 108 31 their their PRON issue-466 108 32 own own ADJ issue-466 108 33 resources resource NOUN issue-466 108 34 , , PUNCT issue-466 108 35 the the DET issue-466 108 36 volume volume NOUN issue-466 108 37 of of ADP issue-466 108 38 debt debt NOUN issue-466 108 39 on on ADP issue-466 108 40 the the DET issue-466 108 41 credit credit NOUN issue-466 108 42 products product NOUN issue-466 108 43 , , PUNCT issue-466 108 44 and and CCONJ issue-466 108 45 the the DET issue-466 108 46 amounts amount NOUN issue-466 108 47 of of ADP issue-466 108 48 the the DET issue-466 108 49 accrued accrue VERB issue-466 108 50 interest interest NOUN issue-466 108 51 . . PUNCT issue-466 109 1 2 2 X issue-466 109 2 . . X issue-466 109 3 transformation transformation NOUN issue-466 109 4 of of ADP issue-466 109 5 the the DET issue-466 109 6 system system NOUN issue-466 109 7 of of ADP issue-466 109 8 the the DET issue-466 109 9 banking banking NOUN issue-466 109 10 settlement settlement NOUN issue-466 109 11 and and CCONJ issue-466 109 12 the the DET issue-466 109 13 cash cash NOUN issue-466 109 14 servicing servicing NOUN issue-466 109 15 of of ADP issue-466 109 16 customers customer NOUN issue-466 109 17 , , PUNCT issue-466 109 18 which which PRON issue-466 109 19 completely completely ADV issue-466 109 20 changes change VERB issue-466 109 21 the the DET issue-466 109 22 process process NOUN issue-466 109 23 of of ADP issue-466 109 24 paying pay VERB issue-466 109 25 by by ADP issue-466 109 26 the the DET issue-466 109 27 customers customer NOUN issue-466 109 28 for for ADP issue-466 109 29 goods good NOUN issue-466 109 30 , , PUNCT issue-466 109 31 works work NOUN issue-466 109 32 , , PUNCT issue-466 109 33 and and CCONJ issue-466 109 34 services service NOUN issue-466 109 35 . . PUNCT issue-466 110 1 such such ADJ issue-466 110 2 technologies technology NOUN issue-466 110 3 have have VERB issue-466 110 4 an an DET issue-466 110 5 impact impact NOUN issue-466 110 6 on on ADP issue-466 110 7 a a DET issue-466 110 8 wide wide ADJ issue-466 110 9 range range NOUN issue-466 110 10 of of ADP issue-466 110 11 consumers consumer NOUN issue-466 110 12 , , PUNCT issue-466 110 13 who who PRON issue-466 110 14 today today NOUN issue-466 110 15 have have VERB issue-466 110 16 certain certain ADJ issue-466 110 17 types type NOUN issue-466 110 18 of of ADP issue-466 110 19 bankcards bankcard NOUN issue-466 110 20 . . PUNCT issue-466 111 1 the the DET issue-466 111 2 number number NOUN issue-466 111 3 of of ADP issue-466 111 4 such such ADJ issue-466 111 5 clients client NOUN issue-466 111 6 is be AUX issue-466 111 7 already already ADV issue-466 111 8 large large ADJ issue-466 111 9 and and CCONJ issue-466 111 10 constantly constantly ADV issue-466 111 11 growing grow VERB issue-466 111 12 . . PUNCT issue-466 112 1 the the DET issue-466 112 2 essence essence NOUN issue-466 112 3 of of ADP issue-466 112 4 the the DET issue-466 112 5 transformation transformation NOUN issue-466 112 6 is be AUX issue-466 112 7 to to PART issue-466 112 8 simplify simplify VERB issue-466 112 9 the the DET issue-466 112 10 process process NOUN issue-466 112 11 of of ADP issue-466 112 12 paying pay VERB issue-466 112 13 the the DET issue-466 112 14 bills bill NOUN issue-466 112 15 by by ADP issue-466 112 16 consumers consumer NOUN issue-466 112 17 . . PUNCT issue-466 113 1 by by ADP issue-466 113 2 doing do VERB issue-466 113 3 such such DET issue-466 113 4 an an DET issue-466 113 5 operation operation NOUN issue-466 113 6 , , PUNCT issue-466 113 7 they they PRON issue-466 113 8 do do AUX issue-466 113 9 not not PART issue-466 113 10 need need VERB issue-466 113 11 to to PART issue-466 113 12 dial dial VERB issue-466 113 13 a a DET issue-466 113 14 pin pin NOUN issue-466 113 15 code code NOUN issue-466 113 16 to to PART issue-466 113 17 confirm confirm VERB issue-466 113 18 payment payment NOUN issue-466 113 19 within within ADP issue-466 113 20 a a DET issue-466 113 21 certain certain ADJ issue-466 113 22 amount amount NOUN issue-466 113 23 . . PUNCT issue-466 114 1 the the DET issue-466 114 2 system system NOUN issue-466 114 3 itself itself PRON issue-466 114 4 only only ADV issue-466 114 5 implements implement VERB issue-466 114 6 the the DET issue-466 114 7 identity identity NOUN issue-466 114 8 of of ADP issue-466 114 9 the the DET issue-466 114 10 client client NOUN issue-466 114 11 card card NOUN issue-466 114 12 . . PUNCT issue-466 115 1 according accord VERB issue-466 115 2 to to ADP issue-466 115 3 the the DET issue-466 115 4 ukrainian ukrainian ADJ issue-466 115 5 processing processing NOUN issue-466 115 6 centre centre NOUN issue-466 115 7 , , PUNCT issue-466 115 8 the the DET issue-466 115 9 number number NOUN issue-466 115 10 of of ADP issue-466 115 11 payments payment NOUN issue-466 115 12 by by ADP issue-466 115 13 the the DET issue-466 115 14 contactless contactless ADJ issue-466 115 15 cards card NOUN issue-466 115 16 increased increase VERB issue-466 115 17 3 3 NUM issue-466 115 18 times time NOUN issue-466 115 19 in in ADP issue-466 115 20 2017 2017 NUM issue-466 115 21 and and CCONJ issue-466 115 22 occupies occupy VERB issue-466 115 23 19 19 NUM issue-466 115 24 % % NOUN issue-466 115 25 of of ADP issue-466 115 26 all all DET issue-466 115 27 purchases purchase NOUN issue-466 115 28 by by ADP issue-466 115 29 cards card NOUN issue-466 115 30 at at ADP issue-466 115 31 pos pos NOUN issue-466 115 32 - - PUNCT issue-466 115 33 terminals terminal NOUN issue-466 115 34 . . PUNCT issue-466 116 1 the the DET issue-466 116 2 dynamic dynamic ADJ issue-466 116 3 growth growth NOUN issue-466 116 4 of of ADP issue-466 116 5 these these DET issue-466 116 6 indicators indicator NOUN issue-466 116 7 , , PUNCT issue-466 116 8 in in ADP issue-466 116 9 turn turn NOUN issue-466 116 10 , , PUNCT issue-466 116 11 contributed contribute VERB issue-466 116 12 to to ADP issue-466 116 13 a a DET issue-466 116 14 23 23 NUM issue-466 116 15 % % NOUN issue-466 116 16 increase increase NOUN issue-466 116 17 in in ADP issue-466 116 18 the the DET issue-466 116 19 number number NOUN issue-466 116 20 of of ADP issue-466 116 21 pos pos NOUN issue-466 116 22 - - PUNCT issue-466 116 23 terminals terminal NOUN issue-466 116 24 that that PRON issue-466 116 25 can can AUX issue-466 116 26 accept accept VERB issue-466 116 27 the the DET issue-466 116 28 contactless contactless NOUN issue-466 116 29 cards card NOUN issue-466 116 30 . . PUNCT issue-466 117 1 currently currently ADV issue-466 117 2 , , PUNCT issue-466 117 3 96 96 NUM issue-466 117 4 % % NOUN issue-466 117 5 of of ADP issue-466 117 6 all all DET issue-466 117 7 pos pos NOUN issue-466 117 8 - - PUNCT issue-466 117 9 terminals terminal NOUN issue-466 117 10 , , PUNCT issue-466 117 11 connected connect VERB issue-466 117 12 to to ADP issue-466 117 13 the the DET issue-466 117 14 ukrainian ukrainian ADJ issue-466 117 15 processing processing NOUN issue-466 117 16 centre centre NOUN issue-466 117 17 and and CCONJ issue-466 117 18 located locate VERB issue-466 117 19 in in ADP issue-466 117 20 trading trading NOUN issue-466 117 21 network network NOUN issue-466 117 22 , , PUNCT issue-466 117 23 accept accept VERB issue-466 117 24 for for ADP issue-466 117 25 payment payment NOUN issue-466 117 26 the the DET issue-466 117 27 contactless contactless NOUN issue-466 117 28 cards card NOUN issue-466 117 29 . . PUNCT issue-466 118 1 further further ADJ issue-466 118 2 transformation transformation NOUN issue-466 118 3 of of ADP issue-466 118 4 settlement settlement NOUN issue-466 118 5 services service NOUN issue-466 118 6 will will AUX issue-466 118 7 , , PUNCT issue-466 118 8 in in ADP issue-466 118 9 the the DET issue-466 118 10 opinion opinion NOUN issue-466 118 11 of of ADP issue-466 118 12 the the DET issue-466 118 13 scientists scientist NOUN issue-466 118 14 , , PUNCT issue-466 118 15 lead lead VERB issue-466 118 16 to to ADP issue-466 118 17 the the DET issue-466 118 18 rapid rapid ADJ issue-466 118 19 introduction introduction NOUN issue-466 118 20 by by ADP issue-466 118 21 financial financial ADJ issue-466 118 22 institutions institution NOUN issue-466 118 23 of of ADP issue-466 118 24 mechanisms mechanism NOUN issue-466 118 25 of of ADP issue-466 118 26 the the DET issue-466 118 27 contactless contactless NOUN issue-466 118 28 customer customer NOUN issue-466 118 29 service service NOUN issue-466 118 30 . . PUNCT issue-466 119 1 other other ADJ issue-466 119 2 financial financial ADJ issue-466 119 3 intermediaries intermediary NOUN issue-466 119 4 will will AUX issue-466 119 5 be be AUX issue-466 119 6 joined join VERB issue-466 119 7 to to ADP issue-466 119 8 the the DET issue-466 119 9 banking banking NOUN issue-466 119 10 institutions institution NOUN issue-466 119 11 , , PUNCT issue-466 119 12 for for ADP issue-466 119 13 which which PRON issue-466 119 14 it it PRON issue-466 119 15 will will AUX issue-466 119 16 be be AUX issue-466 119 17 easier easy ADJ issue-466 119 18 to to PART issue-466 119 19 communicate communicate VERB issue-466 119 20 to to ADP issue-466 119 21 customers customer NOUN issue-466 119 22 the the DET issue-466 119 23 particulars particular NOUN issue-466 119 24 of of ADP issue-466 119 25 providing provide VERB issue-466 119 26 them they PRON issue-466 119 27 with with ADP issue-466 119 28 the the DET issue-466 119 29 specific specific ADJ issue-466 119 30 financial financial ADJ issue-466 119 31 services service NOUN issue-466 119 32 and and CCONJ issue-466 119 33 attract attract VERB issue-466 119 34 new new ADJ issue-466 119 35 customers customer NOUN issue-466 119 36 . . PUNCT issue-466 120 1 gradually gradually ADV issue-466 120 2 , , PUNCT issue-466 120 3 the the DET issue-466 120 4 difference difference NOUN issue-466 120 5 between between ADP issue-466 120 6 a a DET issue-466 120 7 smartphone smartphone NOUN issue-466 120 8 and and CCONJ issue-466 120 9 a a DET issue-466 120 10 purse purse NOUN issue-466 120 11 will will AUX issue-466 120 12 disappear disappear VERB issue-466 120 13 in in ADP issue-466 120 14 favour favour NOUN issue-466 120 15 of of ADP issue-466 120 16 the the DET issue-466 120 17 first first ADJ issue-466 120 18 , , PUNCT issue-466 120 19 which which PRON issue-466 120 20 will will AUX issue-466 120 21 allow allow VERB issue-466 120 22 the the DET issue-466 120 23 client client NOUN issue-466 120 24 to to PART issue-466 120 25 use use VERB issue-466 120 26 a a DET issue-466 120 27 mobile mobile ADJ issue-466 120 28 phone phone NOUN issue-466 120 29 to to PART issue-466 120 30 implement implement VERB issue-466 120 31 a a DET issue-466 120 32 wide wide ADJ issue-466 120 33 range range NOUN issue-466 120 34 of of ADP issue-466 120 35 financial financial ADJ issue-466 120 36 services service NOUN issue-466 120 37 . . PUNCT issue-466 121 1 another another DET issue-466 121 2 service service NOUN issue-466 121 3 is be AUX issue-466 121 4 the the DET issue-466 121 5 international international ADJ issue-466 121 6 transfers transfer NOUN issue-466 121 7 . . PUNCT issue-466 122 1 the the DET issue-466 122 2 smartphone smartphone NOUN issue-466 122 3 can can AUX issue-466 122 4 become become VERB issue-466 122 5 not not PART issue-466 122 6 only only ADV issue-466 122 7 a a DET issue-466 122 8 convenient convenient ADJ issue-466 122 9 payment payment NOUN issue-466 122 10 tool tool NOUN issue-466 122 11 but but CCONJ issue-466 122 12 also also ADV issue-466 122 13 a a DET issue-466 122 14 personal personal ADJ issue-466 122 15 identifier identifier NOUN issue-466 122 16 . . PUNCT issue-466 123 1 here here ADV issue-466 123 2 we we PRON issue-466 123 3 are be AUX issue-466 123 4 talking talk VERB issue-466 123 5 not not PART issue-466 123 6 only only ADV issue-466 123 7 about about ADP issue-466 123 8 the the DET issue-466 123 9 calculations calculation NOUN issue-466 123 10 but but CCONJ issue-466 123 11 also also ADV issue-466 123 12 about about ADP issue-466 123 13 the the DET issue-466 123 14 development development NOUN issue-466 123 15 of of ADP issue-466 123 16 electronic electronic ADJ issue-466 123 17 administrative administrative ADJ issue-466 123 18 services service NOUN issue-466 123 19 : : PUNCT issue-466 123 20 from from ADP issue-466 123 21 the the DET issue-466 123 22 queues queue NOUN issue-466 123 23 , , PUNCT issue-466 123 24 people people NOUN issue-466 123 25 will will AUX issue-466 123 26 gradually gradually ADV issue-466 123 27 move move VERB issue-466 123 28 on on ADP issue-466 123 29 the the DET issue-466 123 30 internet internet NOUN issue-466 123 31 ( ( PUNCT issue-466 123 32 trofimchuk trofimchuk NOUN issue-466 123 33 , , PUNCT issue-466 123 34 2012 2012 NUM issue-466 123 35 ) ) PUNCT issue-466 123 36 . . PUNCT issue-466 124 1 the the DET issue-466 124 2 introduction introduction NOUN issue-466 124 3 of of ADP issue-466 124 4 technologies technology NOUN issue-466 124 5 for for ADP issue-466 124 6 the the DET issue-466 124 7 contactless contactless NOUN issue-466 124 8 customer customer NOUN issue-466 124 9 service service NOUN issue-466 124 10 is be AUX issue-466 124 11 associated associate VERB issue-466 124 12 with with ADP issue-466 124 13 the the DET issue-466 124 14 transition transition NOUN issue-466 124 15 of of ADP issue-466 124 16 producers producer NOUN issue-466 124 17 not not PART issue-466 124 18 only only ADV issue-466 124 19 to to ADP issue-466 124 20 financial financial ADJ issue-466 124 21 services service NOUN issue-466 124 22 but but CCONJ issue-466 124 23 also also ADV issue-466 124 24 to to ADP issue-466 124 25 other other ADJ issue-466 124 26 goods good NOUN issue-466 124 27 and and CCONJ issue-466 124 28 services service NOUN issue-466 124 29 , , PUNCT issue-466 124 30 to to ADP issue-466 124 31 the the DET issue-466 124 32 reduction reduction NOUN issue-466 124 33 of of ADP issue-466 124 34 the the DET issue-466 124 35 number number NOUN issue-466 124 36 of of ADP issue-466 124 37 corporate corporate ADJ issue-466 124 38 cards card NOUN issue-466 124 39 , , PUNCT issue-466 124 40 which which PRON issue-466 124 41 provide provide VERB issue-466 124 42 the the DET issue-466 124 43 customers customer NOUN issue-466 124 44 with with ADP issue-466 124 45 the the DET issue-466 124 46 discounts discount NOUN issue-466 124 47 and and CCONJ issue-466 124 48 transfer transfer VERB issue-466 124 49 them they PRON issue-466 124 50 to to ADP issue-466 124 51 the the DET issue-466 124 52 electronic electronic ADJ issue-466 124 53 form form NOUN issue-466 124 54 and and CCONJ issue-466 124 55 use use VERB issue-466 124 56 the the DET issue-466 124 57 smartphone smartphone NOUN issue-466 124 58 hereby hereby NOUN issue-466 124 59 . . PUNCT issue-466 125 1 it it PRON issue-466 125 2 further far ADV issue-466 125 3 simplifies simplify VERB issue-466 125 4 the the DET issue-466 125 5 customer customer NOUN issue-466 125 6 service service NOUN issue-466 125 7 and and CCONJ issue-466 125 8 will will AUX issue-466 125 9 result result VERB issue-466 125 10 in in ADP issue-466 125 11 the the DET issue-466 125 12 disappearance disappearance NOUN issue-466 125 13 of of ADP issue-466 125 14 the the DET issue-466 125 15 need need NOUN issue-466 125 16 to to PART issue-466 125 17 store store VERB issue-466 125 18 a a DET issue-466 125 19 significant significant ADJ issue-466 125 20 number number NOUN issue-466 125 21 of of ADP issue-466 125 22 plastic plastic ADJ issue-466 125 23 cards card NOUN issue-466 125 24 from from ADP issue-466 125 25 various various ADJ issue-466 125 26 financial financial ADJ issue-466 125 27 institutions institution NOUN issue-466 125 28 . . PUNCT issue-466 126 1 an an DET issue-466 126 2 important important ADJ issue-466 126 3 aspect aspect NOUN issue-466 126 4 of of ADP issue-466 126 5 increasing increase VERB issue-466 126 6 the the DET issue-466 126 7 convenience convenience NOUN issue-466 126 8 by by ADP issue-466 126 9 using use VERB issue-466 126 10 the the DET issue-466 126 11 bankcards bankcard NOUN issue-466 126 12 will will AUX issue-466 126 13 be be AUX issue-466 126 14 their their PRON issue-466 126 15 digitization digitization NOUN issue-466 126 16 , , PUNCT issue-466 126 17 which which PRON issue-466 126 18 will will AUX issue-466 126 19 allow allow VERB issue-466 126 20 transferring transfer VERB issue-466 126 21 all all DET issue-466 126 22 bank bank NOUN issue-466 126 23 cards card NOUN issue-466 126 24 online online ADV issue-466 126 25 . . PUNCT issue-466 127 1 in in ADP issue-466 127 2 particular particular ADJ issue-466 127 3 , , PUNCT issue-466 127 4 alfabank alfabank PROPN issue-466 127 5 ( ( PUNCT issue-466 127 6 ukraine ukraine PROPN issue-466 127 7 ) ) PUNCT issue-466 127 8 became become VERB issue-466 127 9 the the DET issue-466 127 10 first first ADJ issue-466 127 11 bank bank NOUN issue-466 127 12 in in ADP issue-466 127 13 the the DET issue-466 127 14 country country NOUN issue-466 127 15 , , PUNCT issue-466 127 16 which which PRON issue-466 127 17 thanks thank NOUN issue-466 127 18 to to ADP issue-466 127 19 the the DET issue-466 127 20 introduction introduction NOUN issue-466 127 21 of of ADP issue-466 127 22 push push NOUN issue-466 127 23 provisioning provision VERB issue-466 127 24 technologies technology NOUN issue-466 127 25 gave give VERB issue-466 127 26 a a DET issue-466 127 27 unique unique ADJ issue-466 127 28 opportunity opportunity NOUN issue-466 127 29 to to PART issue-466 127 30 digitize digitize VERB issue-466 127 31 their their PRON issue-466 127 32 clients client NOUN issue-466 127 33 ’ ’ PART issue-466 127 34 cards card NOUN issue-466 127 35 directly directly ADV issue-466 127 36 into into ADP issue-466 127 37 mobile mobile ADJ issue-466 127 38 banking banking NOUN issue-466 127 39 without without ADP issue-466 127 40 the the DET issue-466 127 41 need need NOUN issue-466 127 42 to to PART issue-466 127 43 install install VERB issue-466 127 44 the the DET issue-466 127 45 google google PROPN issue-466 127 46 pay pay NOUN issue-466 127 47 application application NOUN issue-466 127 48 . . PUNCT issue-466 128 1 now now ADV issue-466 128 2 the the DET issue-466 128 3 ukrainians ukrainians PROPN issue-466 128 4 do do AUX issue-466 128 5 not not PART issue-466 128 6 need need VERB issue-466 128 7 to to PART issue-466 128 8 carry carry VERB issue-466 128 9 several several ADJ issue-466 128 10 bank bank NOUN issue-466 128 11 cards card NOUN issue-466 128 12 with with ADP issue-466 128 13 them they PRON issue-466 128 14 : : PUNCT issue-466 128 15 all all PRON issue-466 128 16 of of ADP issue-466 128 17 them they PRON issue-466 128 18 can can AUX issue-466 128 19 be be AUX issue-466 128 20 “ " PUNCT issue-466 128 21 settled settle VERB issue-466 128 22 ” " PUNCT issue-466 128 23 in in ADP issue-466 128 24 the the DET issue-466 128 25 smartphone smartphone NOUN issue-466 128 26 ( ( PUNCT issue-466 128 27 mironenko mironenko ADJ issue-466 128 28 , , PUNCT issue-466 128 29 2018 2018 NUM issue-466 128 30 ) ) PUNCT issue-466 128 31 . . PUNCT issue-466 129 1 another another DET issue-466 129 2 trend trend NOUN issue-466 129 3 of of ADP issue-466 129 4 the the DET issue-466 129 5 future future NOUN issue-466 129 6 in in ADP issue-466 129 7 the the DET issue-466 129 8 field field NOUN issue-466 129 9 of of ADP issue-466 129 10 the the DET issue-466 129 11 financial financial ADJ issue-466 129 12 services service NOUN issue-466 129 13 will will AUX issue-466 129 14 be be AUX issue-466 129 15 the the DET issue-466 129 16 model model NOUN issue-466 129 17 of of ADP issue-466 129 18 the the DET issue-466 129 19 customer customer NOUN issue-466 129 20 identification identification NOUN issue-466 129 21 by by ADP issue-466 129 22 the the DET issue-466 129 23 biometric biometric ADJ issue-466 129 24 data datum NOUN issue-466 129 25 , , PUNCT issue-466 129 26 which which PRON issue-466 129 27 is be AUX issue-466 129 28 currently currently ADV issue-466 129 29 only only ADV issue-466 129 30 being be AUX issue-466 129 31 actively actively ADV issue-466 129 32 developed develop VERB issue-466 129 33 by by ADP issue-466 129 34 the the DET issue-466 129 35 scientists scientist NOUN issue-466 129 36 for for ADP issue-466 129 37 further further ADJ issue-466 129 38 implementation implementation NOUN issue-466 129 39 in in ADP issue-466 129 40 this this DET issue-466 129 41 field field NOUN issue-466 129 42 . . PUNCT issue-466 130 1 the the DET issue-466 130 2 application application NOUN issue-466 130 3 of of ADP issue-466 130 4 such such DET issue-466 130 5 a a DET issue-466 130 6 mechanism mechanism NOUN issue-466 130 7 will will AUX issue-466 130 8 increase increase VERB issue-466 130 9 the the DET issue-466 130 10 level level NOUN issue-466 130 11 of of ADP issue-466 130 12 security security NOUN issue-466 130 13 in in ADP issue-466 130 14 providing provide VERB issue-466 130 15 the the DET issue-466 130 16 financial financial ADJ issue-466 130 17 services service NOUN issue-466 130 18 and and CCONJ issue-466 130 19 minimize minimize VERB issue-466 130 20 the the DET issue-466 130 21 number number NOUN issue-466 130 22 of of ADP issue-466 130 23 the the DET issue-466 130 24 abuses abuse NOUN issue-466 130 25 . . PUNCT issue-466 131 1 according accord VERB issue-466 131 2 to to ADP issue-466 131 3 the the DET issue-466 131 4 researchers researcher NOUN issue-466 131 5 ’ ’ PART issue-466 131 6 predictions prediction NOUN issue-466 131 7 , , PUNCT issue-466 131 8 29 29 NUM issue-466 131 9 % % NOUN issue-466 131 10 of of ADP issue-466 131 11 the the DET issue-466 131 12 smartphone smartphone NOUN issue-466 131 13 owners owner NOUN issue-466 131 14 will will AUX issue-466 131 15 use use VERB issue-466 131 16 fingerprint fingerprint NOUN issue-466 131 17 authentication authentication NOUN issue-466 131 18 in in ADP issue-466 131 19 2018 2018 NUM issue-466 131 20 . . PUNCT issue-466 132 1 by by ADP issue-466 132 2 2023 2023 NUM issue-466 132 3 , , PUNCT issue-466 132 4 their their PRON issue-466 132 5 number number NOUN issue-466 132 6 will will AUX issue-466 132 7 grow grow VERB issue-466 132 8 to to ADP issue-466 132 9 more more ADJ issue-466 132 10 than than ADP issue-466 132 11 ¾ ¾ NOUN issue-466 132 12 of of ADP issue-466 132 13 the the DET issue-466 132 14 smartphones smartphone NOUN issue-466 132 15 ’ ' PUNCT issue-466 132 16 owners owner NOUN issue-466 132 17 . . PUNCT issue-466 133 1 43 43 NUM issue-466 133 2 % % NOUN issue-466 133 3 of of ADP issue-466 133 4 smartphones smartphone NOUN issue-466 133 5 will will AUX issue-466 133 6 have have VERB issue-466 133 7 a a DET issue-466 133 8 fingerprint fingerprint NOUN issue-466 133 9 reader reader NOUN issue-466 133 10 in in ADP issue-466 133 11 2018 2018 NUM issue-466 133 12 . . PUNCT issue-466 134 1 by by ADP issue-466 134 2 2023 2023 NUM issue-466 134 3 , , PUNCT issue-466 134 4 the the DET issue-466 134 5 devices device NOUN issue-466 134 6 with with ADP issue-466 134 7 biometric biometric ADJ issue-466 134 8 sensors sensor NOUN issue-466 134 9 will will AUX issue-466 134 10 be be AUX issue-466 134 11 twice twice ADV issue-466 134 12 as as ADV issue-466 134 13 high high ADJ issue-466 134 14 . . PUNCT issue-466 135 1 already already ADV issue-466 135 2 more more ADV issue-466 135 3 fantastic fantastic ADJ issue-466 135 4 , , PUNCT issue-466 135 5 far far ADV issue-466 135 6 to to PART issue-466 135 7 realization realization NOUN issue-466 135 8 , , PUNCT issue-466 135 9 however however ADV issue-466 135 10 , , PUNCT issue-466 135 11 perspective perspective NOUN issue-466 135 12 are be AUX issue-466 135 13 processes process NOUN issue-466 135 14 of of ADP issue-466 135 15 the the DET issue-466 135 16 use use NOUN issue-466 135 17 of of ADP issue-466 135 18 chips chip NOUN issue-466 135 19 in in ADP issue-466 135 20 a a DET issue-466 135 21 person person NOUN issue-466 135 22 with with ADP issue-466 135 23 the the DET issue-466 135 24 coding coding NOUN issue-466 135 25 of of ADP issue-466 135 26 all all DET issue-466 135 27 necessary necessary ADJ issue-466 135 28 information information NOUN issue-466 135 29 for for ADP issue-466 135 30 simplifying simplify VERB issue-466 135 31 the the DET issue-466 135 32 implementation implementation NOUN issue-466 135 33 of of ADP issue-466 135 34 the the DET issue-466 135 35 everyday everyday ADJ issue-466 135 36 operations operation NOUN issue-466 135 37 . . PUNCT issue-466 136 1 in in ADP issue-466 136 2 the the DET issue-466 136 3 field field NOUN issue-466 136 4 of of ADP issue-466 136 5 the the DET issue-466 136 6 settlement settlement NOUN issue-466 136 7 services service NOUN issue-466 136 8 , , PUNCT issue-466 136 9 the the DET issue-466 136 10 customers customer NOUN issue-466 136 11 actively actively ADV issue-466 136 12 use use VERB issue-466 136 13 mobile mobile ADJ issue-466 136 14 phones phone NOUN issue-466 136 15 , , PUNCT issue-466 136 16 which which PRON issue-466 136 17 greatly greatly ADV issue-466 136 18 simplifies simplify VERB issue-466 136 19 the the DET issue-466 136 20 process process NOUN issue-466 136 21 and and CCONJ issue-466 136 22 increases increase VERB issue-466 136 23 its its PRON issue-466 136 24 speed speed NOUN issue-466 136 25 and and CCONJ issue-466 136 26 flexibility flexibility NOUN issue-466 136 27 . . PUNCT issue-466 137 1 in in ADP issue-466 137 2 particular particular ADJ issue-466 137 3 , , PUNCT issue-466 137 4 we we PRON issue-466 137 5 ’d ’d AUX issue-466 137 6 like like INTJ issue-466 137 7 to to PART issue-466 137 8 note note VERB issue-466 137 9 that that SCONJ issue-466 137 10 according accord VERB issue-466 137 11 to to ADP issue-466 137 12 the the DET issue-466 137 13 research research NOUN issue-466 137 14 future future ADJ issue-466 137 15 market market NOUN issue-466 137 16 insights insight NOUN issue-466 137 17 , , PUNCT issue-466 137 18 in in ADP issue-466 137 19 the the DET issue-466 137 20 world world NOUN issue-466 137 21 , , PUNCT issue-466 137 22 the the DET issue-466 137 23 number number NOUN issue-466 137 24 of of ADP issue-466 137 25 mobile mobile ADJ issue-466 137 26 payments payment NOUN issue-466 137 27 by by ADP issue-466 137 28 the the DET issue-466 137 29 results result NOUN issue-466 137 30 of of ADP issue-466 137 31 2016 2016 NUM issue-466 137 32 will will AUX issue-466 137 33 increase increase VERB issue-466 137 34 by by ADP issue-466 137 35 42 42 NUM issue-466 137 36 % % NOUN issue-466 137 37 – – PUNCT issue-466 137 38 to to ADP issue-466 137 39 almost almost ADV issue-466 137 40 27 27 NUM issue-466 137 41 million million NUM issue-466 137 42 transactions transaction NOUN issue-466 137 43 . . PUNCT issue-466 138 1 at at ADP issue-466 138 2 the the DET issue-466 138 3 same same ADJ issue-466 138 4 time time NOUN issue-466 138 5 , , PUNCT issue-466 138 6 the the DET issue-466 138 7 volume volume NOUN issue-466 138 8 of of ADP issue-466 138 9 mobile mobile ADJ issue-466 138 10 payments payment NOUN issue-466 138 11 , , PUNCT issue-466 138 12 according accord VERB issue-466 138 13 to to ADP issue-466 138 14 experts expert NOUN issue-466 138 15 , , PUNCT issue-466 138 16 for for ADP issue-466 138 17 2016 2016 NUM issue-466 138 18 amounted amount VERB issue-466 138 19 to to ADP issue-466 138 20 about about ADP issue-466 138 21 768 768 NUM issue-466 138 22     SPACE issue-466 138 23 billion billion NUM issue-466 138 24 dollars dollar NOUN issue-466 138 25 , , PUNCT issue-466 138 26 against against ADP issue-466 138 27 549 549 NUM issue-466 138 28 billion billion NUM issue-466 138 29 dollars dollar NOUN issue-466 138 30 in in ADP issue-466 138 31 2015 2015 NUM issue-466 138 32 . . PUNCT issue-466 139 1 it it PRON issue-466 139 2 is be AUX issue-466 139 3 forecasted forecast VERB issue-466 139 4 that that SCONJ issue-466 139 5 by by ADP issue-466 139 6 2020 2020 NUM issue-466 139 7 the the DET issue-466 139 8 volume volume NOUN issue-466 139 9 of of ADP issue-466 139 10 the the DET issue-466 139 11 mobile mobile ADJ issue-466 139 12 transactions transaction NOUN issue-466 139 13 will will AUX issue-466 139 14 increase increase VERB issue-466 139 15 on on ADP issue-466 139 16 average average ADJ issue-466 139 17 by by ADP issue-466 139 18 39.1 39.1 NUM issue-466 139 19 % % NOUN issue-466 139 20 , , PUNCT issue-466 139 21 to to ADP issue-466 139 22 2.89 2.89 NUM issue-466 139 23 trillion trillion NUM issue-466 139 24 dollars dollar NOUN issue-466 139 25 . . PUNCT issue-466 140 1 the the DET issue-466 140 2 leading lead VERB issue-466 140 3 players player NOUN issue-466 140 4 in in ADP issue-466 140 5 the the DET issue-466 140 6 global global ADJ issue-466 140 7 mobile mobile ADJ issue-466 140 8 payment payment NOUN issue-466 140 9 market market NOUN issue-466 140 10 are be AUX issue-466 140 11 paypal paypal NOUN issue-466 140 12 , , PUNCT issue-466 140 13 visa visa NOUN issue-466 140 14 , , PUNCT issue-466 140 15 mastercard mastercard PROPN issue-466 140 16 , , PUNCT issue-466 140 17 google google PROPN issue-466 140 18 wallet wallet NOUN issue-466 140 19 , , PUNCT issue-466 140 20 apple apple NOUN issue-466 140 21 pay pay NOUN issue-466 140 22 , , PUNCT issue-466 140 23 and and CCONJ issue-466 140 24 alipay alipay PROPN issue-466 140 25 . . PROPN issue-466 141 1 3 3 NUM issue-466 141 2 . . X issue-466 141 3 transforming transform VERB issue-466 141 4 the the DET issue-466 141 5 process process NOUN issue-466 141 6 of of ADP issue-466 141 7 providing provide VERB issue-466 141 8 the the DET issue-466 141 9 credit credit NOUN issue-466 141 10 products product NOUN issue-466 141 11 by by ADP issue-466 141 12 various various ADJ issue-466 141 13 financial financial ADJ issue-466 141 14 intermediaries intermediary NOUN issue-466 141 15 , , PUNCT issue-466 141 16 which which PRON issue-466 141 17 changes change VERB issue-466 141 18 the the DET issue-466 141 19 traditional traditional ADJ issue-466 141 20 mechanisms mechanism NOUN issue-466 141 21 of of ADP issue-466 141 22 lending lending NOUN issue-466 141 23 to to ADP issue-466 141 24 economic economic ADJ issue-466 141 25 entities entity NOUN issue-466 141 26 . . PUNCT issue-466 142 1 the the DET issue-466 142 2 credit credit NOUN issue-466 142 3 operations operation NOUN issue-466 142 4 have have AUX issue-466 142 5 always always ADV issue-466 142 6 played play VERB issue-466 142 7 a a DET issue-466 142 8 key key ADJ issue-466 142 9 role role NOUN issue-466 142 10 in in ADP issue-466 142 11 the the DET issue-466 142 12 development development NOUN issue-466 142 13 of of ADP issue-466 142 14 financial financial ADJ issue-466 142 15 intermediaries intermediary NOUN issue-466 142 16 , , PUNCT issue-466 142 17 especially especially ADV issue-466 142 18 those those PRON issue-466 142 19 who who PRON issue-466 142 20 directly directly ADV issue-466 142 21 lend lend VERB issue-466 142 22 loans loan NOUN issue-466 142 23 to to ADP issue-466 142 24 individuals individual NOUN issue-466 142 25 and and CCONJ issue-466 142 26 legal legal ADJ issue-466 142 27 entities entity NOUN issue-466 142 28 . . PUNCT issue-466 143 1 today today NOUN issue-466 143 2 , , PUNCT issue-466 143 3 the the DET issue-466 143 4 outlined outline VERB issue-466 143 5 sphere sphere NOUN issue-466 143 6 , , PUNCT issue-466 143 7 taking take VERB issue-466 143 8 into into ADP issue-466 143 9 consideration consideration NOUN issue-466 143 10 a a DET issue-466 143 11 significant significant ADJ issue-466 143 12 historical historical ADJ issue-466 143 13 process process NOUN issue-466 143 14 of of ADP issue-466 143 15 baltic baltic ADJ issue-466 143 16 journal journal PROPN issue-466 143 17 of of ADP issue-466 143 18 economic economic ADJ issue-466 143 19 studies study NOUN issue-466 143 20 355 355 NUM issue-466 143 21 vol vol NOUN issue-466 143 22 . . PROPN issue-466 144 1 4 4 NUM issue-466 144 2 , , PUNCT issue-466 144 3 no no INTJ issue-466 144 4 . . NOUN issue-466 144 5 3 3 NUM issue-466 144 6 , , PUNCT issue-466 144 7 2018 2018 NUM issue-466 144 8 its its PRON issue-466 144 9 formation formation NOUN issue-466 144 10 , , PUNCT issue-466 144 11 transformation transformation NOUN issue-466 144 12 , , PUNCT issue-466 144 13 and and CCONJ issue-466 144 14 development development NOUN issue-466 144 15 , , PUNCT issue-466 144 16 has have AUX issue-466 144 17 become become VERB issue-466 144 18 considerably considerably ADV issue-466 144 19 more more ADV issue-466 144 20 complicated complicated ADJ issue-466 144 21 by by ADP issue-466 144 22 its its PRON issue-466 144 23 essence essence NOUN issue-466 144 24 : : PUNCT issue-466 144 25 new new ADJ issue-466 144 26 types type NOUN issue-466 144 27 of of ADP issue-466 144 28 loans loan NOUN issue-466 144 29 appeared appear VERB issue-466 144 30 , , PUNCT issue-466 144 31 mechanisms mechanism NOUN issue-466 144 32 of of ADP issue-466 144 33 their their PRON issue-466 144 34 provision provision NOUN issue-466 144 35 have have AUX issue-466 144 36 changed change VERB issue-466 144 37 , , PUNCT issue-466 144 38 new new ADJ issue-466 144 39 financial financial ADJ issue-466 144 40 instruments instrument NOUN issue-466 144 41 have have AUX issue-466 144 42 gradually gradually ADV issue-466 144 43 emerged emerge VERB issue-466 144 44 , , PUNCT issue-466 144 45 which which PRON issue-466 144 46 allowed allow VERB issue-466 144 47 to to PART issue-466 144 48 raise raise VERB issue-466 144 49 funds fund NOUN issue-466 144 50 for for ADP issue-466 144 51 credit credit NOUN issue-466 144 52 institutions institution NOUN issue-466 144 53 and and CCONJ issue-466 144 54 provide provide VERB issue-466 144 55 them they PRON issue-466 144 56 for for ADP issue-466 144 57 use use NOUN issue-466 144 58 by by ADP issue-466 144 59 other other ADJ issue-466 144 60 entities entity NOUN issue-466 144 61 , , PUNCT issue-466 144 62 etc etc X issue-466 144 63 . . X issue-466 145 1 however however ADV issue-466 145 2 , , PUNCT issue-466 145 3 the the DET issue-466 145 4 process process NOUN issue-466 145 5 of of ADP issue-466 145 6 granting grant VERB issue-466 145 7 loans loan NOUN issue-466 145 8 is be AUX issue-466 145 9 also also ADV issue-466 145 10 undergoing undergo VERB issue-466 145 11 significant significant ADJ issue-466 145 12 changes change NOUN issue-466 145 13 , , PUNCT issue-466 145 14 which which PRON issue-466 145 15 allows allow VERB issue-466 145 16 asserting assert VERB issue-466 145 17 the the DET issue-466 145 18 transition transition NOUN issue-466 145 19 of of ADP issue-466 145 20 lending lending NOUN issue-466 145 21 operations operation NOUN issue-466 145 22 to to ADP issue-466 145 23 a a DET issue-466 145 24 new new ADJ issue-466 145 25 stage stage NOUN issue-466 145 26 in in ADP issue-466 145 27 their their PRON issue-466 145 28 development development NOUN issue-466 145 29 . . PUNCT issue-466 146 1 the the DET issue-466 146 2 information information NOUN issue-466 146 3 technologies technology NOUN issue-466 146 4 do do AUX issue-466 146 5 not not PART issue-466 146 6 only only ADV issue-466 146 7 change change VERB issue-466 146 8 the the DET issue-466 146 9 mechanism mechanism NOUN issue-466 146 10 of of ADP issue-466 146 11 granting grant VERB issue-466 146 12 the the DET issue-466 146 13 loans loan NOUN issue-466 146 14 , , PUNCT issue-466 146 15 but but CCONJ issue-466 146 16 affect affect VERB issue-466 146 17 the the DET issue-466 146 18 speed speed NOUN issue-466 146 19 of of ADP issue-466 146 20 decision decision NOUN issue-466 146 21 - - PUNCT issue-466 146 22 making making NOUN issue-466 146 23 on on ADP issue-466 146 24 lending lending NOUN issue-466 146 25 ( ( PUNCT issue-466 146 26 in in ADP issue-466 146 27 many many ADJ issue-466 146 28 cases case NOUN issue-466 146 29 , , PUNCT issue-466 146 30 for for ADP issue-466 146 31 example example NOUN issue-466 146 32 , , PUNCT issue-466 146 33 consumer consumer NOUN issue-466 146 34 loans loan NOUN issue-466 146 35 are be AUX issue-466 146 36 issued issue VERB issue-466 146 37 by by ADP issue-466 146 38 banks bank NOUN issue-466 146 39 on on ADP issue-466 146 40 the the DET issue-466 146 41 basis basis NOUN issue-466 146 42 of of ADP issue-466 146 43 the the DET issue-466 146 44 established establish VERB issue-466 146 45 algorithms algorithm NOUN issue-466 146 46 that that PRON issue-466 146 47 check check VERB issue-466 146 48 the the DET issue-466 146 49 customer customer NOUN issue-466 146 50 ’s ’s PART issue-466 146 51 data datum NOUN issue-466 146 52 and and CCONJ issue-466 146 53 give give VERB issue-466 146 54 out out ADP issue-466 146 55 the the DET issue-466 146 56 result result NOUN issue-466 146 57 at at ADP issue-466 146 58 once once ADV issue-466 146 59 ) ) PUNCT issue-466 146 60 , , PUNCT issue-466 146 61 an an DET issue-466 146 62 opportunity opportunity NOUN issue-466 146 63 to to PART issue-466 146 64 check check VERB issue-466 146 65 the the DET issue-466 146 66 credit credit NOUN issue-466 146 67 history history NOUN issue-466 146 68 of of ADP issue-466 146 69 the the DET issue-466 146 70 clients client NOUN issue-466 146 71 . . PUNCT issue-466 147 1 such such ADJ issue-466 147 2 mechanisms mechanism NOUN issue-466 147 3 are be AUX issue-466 147 4 already already ADV issue-466 147 5 beginning begin VERB issue-466 147 6 to to PART issue-466 147 7 be be AUX issue-466 147 8 used use VERB issue-466 147 9 in in ADP issue-466 147 10 the the DET issue-466 147 11 process process NOUN issue-466 147 12 of of ADP issue-466 147 13 providing provide VERB issue-466 147 14 services service NOUN issue-466 147 15 to to ADP issue-466 147 16 business business NOUN issue-466 147 17 entities entity NOUN issue-466 147 18 and and CCONJ issue-466 147 19 the the DET issue-466 147 20 sale sale NOUN issue-466 147 21 of of ADP issue-466 147 22 other other ADJ issue-466 147 23 , , PUNCT issue-466 147 24 first first ADV issue-466 147 25 of of ADP issue-466 147 26 all all PRON issue-466 147 27 , , PUNCT issue-466 147 28 consulting consulting NOUN issue-466 147 29 and and CCONJ issue-466 147 30 operational operational ADJ issue-466 147 31 ones one NOUN issue-466 147 32 . . PUNCT issue-466 148 1 the the DET issue-466 148 2 introduction introduction NOUN issue-466 148 3 of of ADP issue-466 148 4 new new ADJ issue-466 148 5 information information NOUN issue-466 148 6 technologies technology NOUN issue-466 148 7 in in ADP issue-466 148 8 the the DET issue-466 148 9 process process NOUN issue-466 148 10 of of ADP issue-466 148 11 providing provide VERB issue-466 148 12 the the DET issue-466 148 13 financial financial ADJ issue-466 148 14 services service NOUN issue-466 148 15 leads lead VERB issue-466 148 16 to to ADP issue-466 148 17 a a DET issue-466 148 18 significant significant ADJ issue-466 148 19 transformation transformation NOUN issue-466 148 20 of of ADP issue-466 148 21 such such DET issue-466 148 22 a a DET issue-466 148 23 process process NOUN issue-466 148 24 and and CCONJ issue-466 148 25 , , PUNCT issue-466 148 26 in in ADP issue-466 148 27 general general ADJ issue-466 148 28 , , PUNCT issue-466 148 29 the the DET issue-466 148 30 business business NOUN issue-466 148 31 model model NOUN issue-466 148 32 of of ADP issue-466 148 33 the the DET issue-466 148 34 financial financial ADJ issue-466 148 35 institutions institution NOUN issue-466 148 36 ’ ' PUNCT issue-466 148 37 operation operation NOUN issue-466 148 38 . . PUNCT issue-466 149 1 in in ADP issue-466 149 2 the the DET issue-466 149 3 future future NOUN issue-466 149 4 , , PUNCT issue-466 149 5 the the DET issue-466 149 6 professions profession NOUN issue-466 149 7 of of ADP issue-466 149 8 cashiers cashier NOUN issue-466 149 9 , , PUNCT issue-466 149 10 operators operator NOUN issue-466 149 11 , , PUNCT issue-466 149 12 consultants consultant NOUN issue-466 149 13 will will AUX issue-466 149 14 gradually gradually ADV issue-466 149 15 disappear disappear VERB issue-466 149 16 . . PUNCT issue-466 150 1 let let VERB issue-466 150 2 ’s ’s NOUN issue-466 150 3 consider consider VERB issue-466 150 4 that that SCONJ issue-466 150 5 “ " PUNCT issue-466 150 6 credit credit NOUN issue-466 150 7 analysts analyst NOUN issue-466 150 8 , , PUNCT issue-466 150 9 even even ADV issue-466 150 10 at at ADP issue-466 150 11 the the DET issue-466 150 12 current current ADJ issue-466 150 13 level level NOUN issue-466 150 14 of of ADP issue-466 150 15 technology technology NOUN issue-466 150 16 development development NOUN issue-466 150 17 , , PUNCT issue-466 150 18 can can AUX issue-466 150 19 replace replace VERB issue-466 150 20 artificial artificial ADJ issue-466 150 21 intelligence intelligence NOUN issue-466 150 22 by by ADP issue-466 150 23 90 90 NUM issue-466 150 24 % % NOUN issue-466 150 25 . . PUNCT issue-466 151 1 consequently consequently ADV issue-466 151 2 , , PUNCT issue-466 151 3 risks risk NOUN issue-466 151 4 of of ADP issue-466 151 5 the the DET issue-466 151 6 human human ADJ issue-466 151 7 factor factor NOUN issue-466 151 8 that that PRON issue-466 151 9 arise arise VERB issue-466 151 10 when when SCONJ issue-466 151 11 dealing deal VERB issue-466 151 12 with with ADP issue-466 151 13 clients client NOUN issue-466 151 14 disappear disappear VERB issue-466 151 15 and and CCONJ issue-466 151 16 seriously seriously ADV issue-466 151 17 affect affect VERB issue-466 151 18 the the DET issue-466 151 19 reputational reputational ADJ issue-466 151 20 capital capital NOUN issue-466 151 21 of of ADP issue-466 151 22 financial financial ADJ issue-466 151 23 institutions institution NOUN issue-466 151 24 ” " PUNCT issue-466 151 25 ( ( PUNCT issue-466 151 26 mironenko mironenko ADJ issue-466 151 27 , , PUNCT issue-466 151 28 2018 2018 NUM issue-466 151 29 ) ) PUNCT issue-466 151 30 . . PUNCT issue-466 152 1 in in ADP issue-466 152 2 the the DET issue-466 152 3 work work NOUN issue-466 152 4 of of ADP issue-466 152 5 the the DET issue-466 152 6 credit credit NOUN issue-466 152 7 institutions institution NOUN issue-466 152 8 , , PUNCT issue-466 152 9 special special ADJ issue-466 152 10 programs program NOUN issue-466 152 11 for for ADP issue-466 152 12 calculating calculate VERB issue-466 152 13 the the DET issue-466 152 14 cost cost NOUN issue-466 152 15 of of ADP issue-466 152 16 loans loan NOUN issue-466 152 17 are be AUX issue-466 152 18 used use VERB issue-466 152 19 , , PUNCT issue-466 152 20 calculating calculate VERB issue-466 152 21 the the DET issue-466 152 22 entire entire ADJ issue-466 152 23 schedule schedule NOUN issue-466 152 24 of of ADP issue-466 152 25 the the DET issue-466 152 26 loans loan NOUN issue-466 152 27 ’ ' PUNCT issue-466 152 28 repayment repayment NOUN issue-466 152 29 , , PUNCT issue-466 152 30 calculating calculate VERB issue-466 152 31 the the DET issue-466 152 32 fines fine NOUN issue-466 152 33 and and CCONJ issue-466 152 34 overdue overdue ADJ issue-466 152 35 payments payment NOUN issue-466 152 36 . . PUNCT issue-466 153 1 all all DET issue-466 153 2 this this PRON issue-466 153 3 is be AUX issue-466 153 4 done do VERB issue-466 153 5 in in ADP issue-466 153 6 automatic automatic ADJ issue-466 153 7 mode mode NOUN issue-466 153 8 and and CCONJ issue-466 153 9 can can AUX issue-466 153 10 greatly greatly ADV issue-466 153 11 simplify simplify VERB issue-466 153 12 the the DET issue-466 153 13 process process NOUN issue-466 153 14 of of ADP issue-466 153 15 issuing issue VERB issue-466 153 16 a a DET issue-466 153 17 loan loan NOUN issue-466 153 18 . . PUNCT issue-466 154 1 quite quite ADV issue-466 154 2 often often ADV issue-466 154 3 , , PUNCT issue-466 154 4 the the DET issue-466 154 5 software software NOUN issue-466 154 6 of of ADP issue-466 154 7 the the DET issue-466 154 8 financial financial ADJ issue-466 154 9 institutions institution NOUN issue-466 154 10 is be AUX issue-466 154 11 unified unify VERB issue-466 154 12 with with ADP issue-466 154 13 databases database NOUN issue-466 154 14 of of ADP issue-466 154 15 the the DET issue-466 154 16 credit credit NOUN issue-466 154 17 history history NOUN issue-466 154 18 bureau bureau NOUN issue-466 154 19 , , PUNCT issue-466 154 20 which which PRON issue-466 154 21 minimizes minimize VERB issue-466 154 22 lending lending NOUN issue-466 154 23 to to ADP issue-466 154 24 fraudsters fraudster NOUN issue-466 154 25 ( ( PUNCT issue-466 154 26 dubyna dubyna NOUN issue-466 154 27 , , PUNCT issue-466 154 28 2017 2017 NUM issue-466 154 29 ) ) PUNCT issue-466 154 30 . . PUNCT issue-466 155 1 there there PRON issue-466 155 2 are be VERB issue-466 155 3 also also ADV issue-466 155 4 obstacles obstacle NOUN issue-466 155 5 to to ADP issue-466 155 6 switching switch VERB issue-466 155 7 completely completely ADV issue-466 155 8 to to ADP issue-466 155 9 the the DET issue-466 155 10 online online ADJ issue-466 155 11 loan loan NOUN issue-466 155 12 mode mode NOUN issue-466 155 13 for for ADP issue-466 155 14 clients client NOUN issue-466 155 15 of of ADP issue-466 155 16 financial financial ADJ issue-466 155 17 institutions institution NOUN issue-466 155 18 in in ADP issue-466 155 19 ukraine ukraine NOUN issue-466 155 20 . . PUNCT issue-466 156 1 in in ADP issue-466 156 2 particular particular ADJ issue-466 156 3 , , PUNCT issue-466 156 4 in in ADP issue-466 156 5 accordance accordance NOUN issue-466 156 6 with with ADP issue-466 156 7 the the DET issue-466 156 8 current current ADJ issue-466 156 9 legislation legislation NOUN issue-466 156 10 , , PUNCT issue-466 156 11 future future ADJ issue-466 156 12 borrowers borrower NOUN issue-466 156 13 must must AUX issue-466 156 14 place place VERB issue-466 156 15 their their PRON issue-466 156 16 own own ADJ issue-466 156 17 signature signature NOUN issue-466 156 18 in in ADP issue-466 156 19 a a DET issue-466 156 20 loan loan NOUN issue-466 156 21 agreement agreement NOUN issue-466 156 22 , , PUNCT issue-466 156 23 which which PRON issue-466 156 24 certifies certify VERB issue-466 156 25 the the DET issue-466 156 26 beginning beginning NOUN issue-466 156 27 of of ADP issue-466 156 28 its its PRON issue-466 156 29 operation operation NOUN issue-466 156 30 . . PUNCT issue-466 157 1 in in ADP issue-466 157 2 order order NOUN issue-466 157 3 to to PART issue-466 157 4 solve solve VERB issue-466 157 5 this this DET issue-466 157 6 problem problem NOUN issue-466 157 7 , , PUNCT issue-466 157 8 the the DET issue-466 157 9 banks bank NOUN issue-466 157 10 offer offer VERB issue-466 157 11 their their PRON issue-466 157 12 clients client NOUN issue-466 157 13 to to PART issue-466 157 14 get get VERB issue-466 157 15 a a DET issue-466 157 16 contract contract NOUN issue-466 157 17 through through ADP issue-466 157 18 the the DET issue-466 157 19 courier courier NOUN issue-466 157 20 services service NOUN issue-466 157 21 . . PUNCT issue-466 158 1 however however ADV issue-466 158 2 , , PUNCT issue-466 158 3 in in ADP issue-466 158 4 general general ADJ issue-466 158 5 , , PUNCT issue-466 158 6 such such DET issue-466 158 7 a a DET issue-466 158 8 mechanism mechanism NOUN issue-466 158 9 is be AUX issue-466 158 10 difficult difficult ADJ issue-466 158 11 to to PART issue-466 158 12 be be AUX issue-466 158 13 implemented implement VERB issue-466 158 14 and and CCONJ issue-466 158 15 it it PRON issue-466 158 16 is be AUX issue-466 158 17 not not PART issue-466 158 18 very very ADV issue-466 158 19 convenient convenient ADJ issue-466 158 20 . . PUNCT issue-466 159 1 one one NUM issue-466 159 2 of of ADP issue-466 159 3 the the DET issue-466 159 4 trends trend NOUN issue-466 159 5 of of ADP issue-466 159 6 the the DET issue-466 159 7 credit credit NOUN issue-466 159 8 market market NOUN issue-466 159 9 and and CCONJ issue-466 159 10 total total ADJ issue-466 159 11 credit credit NOUN issue-466 159 12 operations operation NOUN issue-466 159 13 is be AUX issue-466 159 14 operations operation NOUN issue-466 159 15 such such ADJ issue-466 159 16 as as ADP issue-466 159 17 person person NOUN issue-466 159 18 - - PUNCT issue-466 159 19 toperson toperson NOUN issue-466 159 20 type type NOUN issue-466 159 21 , , PUNCT issue-466 159 22 which which PRON issue-466 159 23 actively actively ADV issue-466 159 24 began begin VERB issue-466 159 25 to to PART issue-466 159 26 develop develop VERB issue-466 159 27 over over ADP issue-466 159 28 the the DET issue-466 159 29 past past ADJ issue-466 159 30 years year NOUN issue-466 159 31 . . PUNCT issue-466 160 1 the the DET issue-466 160 2 essence essence NOUN issue-466 160 3 of of ADP issue-466 160 4 these these DET issue-466 160 5 operations operation NOUN issue-466 160 6 is be AUX issue-466 160 7 to to PART issue-466 160 8 combine combine VERB issue-466 160 9 a a DET issue-466 160 10 person person NOUN issue-466 160 11 who who PRON issue-466 160 12 has have AUX issue-466 160 13 temporarily temporarily ADV issue-466 160 14 free free ADJ issue-466 160 15 financial financial ADJ issue-466 160 16 resources resource NOUN issue-466 160 17 and and CCONJ issue-466 160 18 is be AUX issue-466 160 19 ready ready ADJ issue-466 160 20 to to PART issue-466 160 21 provide provide VERB issue-466 160 22 them they PRON issue-466 160 23 with with ADP issue-466 160 24 a a DET issue-466 160 25 loan loan NOUN issue-466 160 26 , , PUNCT issue-466 160 27 and and CCONJ issue-466 160 28 a a DET issue-466 160 29 client client NOUN issue-466 160 30 who who PRON issue-466 160 31 needs need VERB issue-466 160 32 such such ADJ issue-466 160 33 resources resource NOUN issue-466 160 34 . . PUNCT issue-466 161 1 in in ADP issue-466 161 2 most most ADJ issue-466 161 3 cases case NOUN issue-466 161 4 , , PUNCT issue-466 161 5 such such DET issue-466 161 6 a a DET issue-466 161 7 lending lending NOUN issue-466 161 8 institution institution NOUN issue-466 161 9 has have VERB issue-466 161 10 a a DET issue-466 161 11 position position NOUN issue-466 161 12 of of ADP issue-466 161 13 a a DET issue-466 161 14 serving serve VERB issue-466 161 15 company company NOUN issue-466 161 16 , , PUNCT issue-466 161 17 which which PRON issue-466 161 18 combines combine VERB issue-466 161 19 the the DET issue-466 161 20 interests interest NOUN issue-466 161 21 of of ADP issue-466 161 22 its its PRON issue-466 161 23 clients client NOUN issue-466 161 24 through through ADP issue-466 161 25 their their PRON issue-466 161 26 personal personal ADJ issue-466 161 27 interaction interaction NOUN issue-466 161 28 . . PUNCT issue-466 162 1 this this DET issue-466 162 2 service service NOUN issue-466 162 3 was be AUX issue-466 162 4 widely widely ADV issue-466 162 5 provided provide VERB issue-466 162 6 by by ADP issue-466 162 7 privatbank privatbank NOUN issue-466 162 8 . . PUNCT issue-466 163 1 according accord VERB issue-466 163 2 to to ADP issue-466 163 3 sophie sophie PROPN issue-466 163 4 guibaud guibaud PROPN issue-466 163 5 , , PUNCT issue-466 163 6 vice vice NOUN issue-466 163 7 president president NOUN issue-466 163 8 for for ADP issue-466 163 9 european european PROPN issue-466 163 10 affairs affairs PROPN issue-466 163 11 , , PUNCT issue-466 163 12 fidor fidor PROPN issue-466 163 13 bank bank NOUN issue-466 163 14 , , PUNCT issue-466 163 15 earlier early ADV issue-466 163 16 , , PUNCT issue-466 163 17 the the DET issue-466 163 18 seos seo NOUN issue-466 163 19 of of ADP issue-466 163 20 the the DET issue-466 163 21 banks bank NOUN issue-466 163 22 rarely rarely ADV issue-466 163 23 promoted promote VERB issue-466 163 24 the the DET issue-466 163 25 implementation implementation NOUN issue-466 163 26 of of ADP issue-466 163 27 innovations innovation NOUN issue-466 163 28 , , PUNCT issue-466 163 29 preferring prefer VERB issue-466 163 30 to to PART issue-466 163 31 focus focus VERB issue-466 163 32 on on ADP issue-466 163 33 the the DET issue-466 163 34 needs need NOUN issue-466 163 35 of of ADP issue-466 163 36 shareholders shareholder NOUN issue-466 163 37 than than ADP issue-466 163 38 on on ADP issue-466 163 39 the the DET issue-466 163 40 needs need NOUN issue-466 163 41 of of ADP issue-466 163 42 customers customer NOUN issue-466 163 43 . . PUNCT issue-466 164 1 however however ADV issue-466 164 2 , , PUNCT issue-466 164 3 in in ADP issue-466 164 4 2016 2016 NUM issue-466 164 5 everything everything PRON issue-466 164 6 changed change VERB issue-466 164 7 : : PUNCT issue-466 164 8 a a DET issue-466 164 9 quarter quarter NOUN issue-466 164 10 of of ADP issue-466 164 11 the the DET issue-466 164 12 financial financial ADJ issue-466 164 13 institutions institution NOUN issue-466 164 14 in in ADP issue-466 164 15 the the DET issue-466 164 16 world world NOUN issue-466 164 17 were be AUX issue-466 164 18 acquired acquire VERB issue-466 164 19 by by ADP issue-466 164 20 fintech fintech NOUN issue-466 164 21 companies company NOUN issue-466 164 22 , , PUNCT issue-466 164 23 and and CCONJ issue-466 164 24 60 60 NUM issue-466 164 25 % % NOUN issue-466 164 26 consider consider VERB issue-466 164 27 the the DET issue-466 164 28 possibility possibility NOUN issue-466 164 29 of of ADP issue-466 164 30 cooperation cooperation NOUN issue-466 164 31 with with ADP issue-466 164 32 them they PRON issue-466 164 33 ( ( PUNCT issue-466 164 34 grinkov grinkov NOUN issue-466 164 35 , , PUNCT issue-466 164 36 2016 2016 NUM issue-466 164 37 ) ) PUNCT issue-466 164 38 . . PUNCT issue-466 165 1 the the DET issue-466 165 2 credit credit NOUN issue-466 165 3 market market NOUN issue-466 165 4 in in ADP issue-466 165 5 ukraine ukraine NOUN issue-466 165 6 will will AUX issue-466 165 7 experience experience VERB issue-466 165 8 a a DET issue-466 165 9 significant significant ADJ issue-466 165 10 influence influence NOUN issue-466 165 11 of of ADP issue-466 165 12 the the DET issue-466 165 13 innovative innovative ADJ issue-466 165 14 technologies technology NOUN issue-466 165 15 , , PUNCT issue-466 165 16 which which PRON issue-466 165 17 will will AUX issue-466 165 18 increase increase VERB issue-466 165 19 the the DET issue-466 165 20 efficiency efficiency NOUN issue-466 165 21 of of ADP issue-466 165 22 its its PRON issue-466 165 23 functioning functioning NOUN issue-466 165 24 and and CCONJ issue-466 165 25 minimize minimize VERB issue-466 165 26 the the DET issue-466 165 27 risks risk NOUN issue-466 165 28 of of ADP issue-466 165 29 both both CCONJ issue-466 165 30 the the DET issue-466 165 31 borrowers borrower NOUN issue-466 165 32 and and CCONJ issue-466 165 33 the the DET issue-466 165 34 creditors creditor NOUN issue-466 165 35 . . PUNCT issue-466 166 1 the the DET issue-466 166 2 number number NOUN issue-466 166 3 of of ADP issue-466 166 4 credit credit NOUN issue-466 166 5 institutions institution NOUN issue-466 166 6 in in ADP issue-466 166 7 the the DET issue-466 166 8 country country NOUN issue-466 166 9 is be AUX issue-466 166 10 constantly constantly ADV issue-466 166 11 increasing increase VERB issue-466 166 12 ; ; PUNCT issue-466 166 13 loan loan NOUN issue-466 166 14 offers offer NOUN issue-466 166 15 are be AUX issue-466 166 16 also also ADV issue-466 166 17 growing grow VERB issue-466 166 18 . . PUNCT issue-466 167 1 however however ADV issue-466 167 2 , , PUNCT issue-466 167 3 the the DET issue-466 167 4 cost cost NOUN issue-466 167 5 , , PUNCT issue-466 167 6 for for ADP issue-466 167 7 example example NOUN issue-466 167 8 , , PUNCT issue-466 167 9 of of ADP issue-466 167 10 loans loan NOUN issue-466 167 11 , , PUNCT issue-466 167 12 provided provide VERB issue-466 167 13 by by ADP issue-466 167 14 credit credit NOUN issue-466 167 15 companies company NOUN issue-466 167 16 is be AUX issue-466 167 17 very very ADV issue-466 167 18 high high ADJ issue-466 167 19 and and CCONJ issue-466 167 20 unattractive unattractive ADJ issue-466 167 21 to to ADP issue-466 167 22 consumers consumer NOUN issue-466 167 23 . . PUNCT issue-466 168 1 this this DET issue-466 168 2 situation situation NOUN issue-466 168 3 requires require VERB issue-466 168 4 from from ADP issue-466 168 5 financial financial ADJ issue-466 168 6 institutions institution NOUN issue-466 168 7 to to PART issue-466 168 8 find find VERB issue-466 168 9 new new ADJ issue-466 168 10 mechanisms mechanism NOUN issue-466 168 11 for for ADP issue-466 168 12 providing provide VERB issue-466 168 13 credit credit NOUN issue-466 168 14 services service NOUN issue-466 168 15 , , PUNCT issue-466 168 16 their their PRON issue-466 168 17 transformation transformation NOUN issue-466 168 18 , , PUNCT issue-466 168 19 and and CCONJ issue-466 168 20 development development NOUN issue-466 168 21 of of ADP issue-466 168 22 new new ADJ issue-466 168 23 types type NOUN issue-466 168 24 of of ADP issue-466 168 25 products product NOUN issue-466 168 26 . . PUNCT issue-466 169 1 the the DET issue-466 169 2 unstable unstable ADJ issue-466 169 3 economic economic ADJ issue-466 169 4 situation situation NOUN issue-466 169 5 in in ADP issue-466 169 6 the the DET issue-466 169 7 country country NOUN issue-466 169 8 , , PUNCT issue-466 169 9 the the DET issue-466 169 10 undeveloped undeveloped ADJ issue-466 169 11 financial financial ADJ issue-466 169 12 market market NOUN issue-466 169 13 , , PUNCT issue-466 169 14 the the DET issue-466 169 15 persistent persistent ADJ issue-466 169 16 financial financial ADJ issue-466 169 17 and and CCONJ issue-466 169 18 economic economic ADJ issue-466 169 19 crises crisis NOUN issue-466 169 20 , , PUNCT issue-466 169 21 which which PRON issue-466 169 22 are be AUX issue-466 169 23 experienced experience VERB issue-466 169 24 by by ADP issue-466 169 25 the the DET issue-466 169 26 country country NOUN issue-466 169 27 , , PUNCT issue-466 169 28 and and CCONJ issue-466 169 29 a a DET issue-466 169 30 significant significant ADJ issue-466 169 31 devaluation devaluation NOUN issue-466 169 32 of of ADP issue-466 169 33 the the DET issue-466 169 34 national national ADJ issue-466 169 35 currency currency NOUN issue-466 169 36 complicate complicate VERB issue-466 169 37 the the DET issue-466 169 38 process process NOUN issue-466 169 39 of of ADP issue-466 169 40 lending lending NOUN issue-466 169 41 to to ADP issue-466 169 42 all all DET issue-466 169 43 economic economic ADJ issue-466 169 44 actors actor NOUN issue-466 169 45 in in ADP issue-466 169 46 the the DET issue-466 169 47 state state NOUN issue-466 169 48 . . PUNCT issue-466 170 1 it it PRON issue-466 170 2 should should AUX issue-466 170 3 be be AUX issue-466 170 4 noted note VERB issue-466 170 5 that that SCONJ issue-466 170 6 besides besides SCONJ issue-466 170 7 the the DET issue-466 170 8 banking banking NOUN issue-466 170 9 institutions institution NOUN issue-466 170 10 in in ADP issue-466 170 11 ukraine ukraine NOUN issue-466 170 12 , , PUNCT issue-466 170 13 actively actively ADV issue-466 170 14 following follow VERB issue-466 170 15 the the DET issue-466 170 16 financial financial ADJ issue-466 170 17 and and CCONJ issue-466 170 18 economic economic ADJ issue-466 170 19 crisis crisis NOUN issue-466 170 20 of of ADP issue-466 170 21 2008–2009 2008–2009 NUM issue-466 170 22 , , PUNCT issue-466 170 23 various various ADJ issue-466 170 24 types type NOUN issue-466 170 25 of of ADP issue-466 170 26 credit credit NOUN issue-466 170 27 companies company NOUN issue-466 170 28 began begin VERB issue-466 170 29 to to PART issue-466 170 30 develop develop VERB issue-466 170 31 . . PUNCT issue-466 171 1 this this DET issue-466 171 2 situation situation NOUN issue-466 171 3 was be AUX issue-466 171 4 caused cause VERB issue-466 171 5 by by ADP issue-466 171 6 a a DET issue-466 171 7 sharp sharp ADJ issue-466 171 8 rise rise NOUN issue-466 171 9 in in ADP issue-466 171 10 the the DET issue-466 171 11 financial financial ADJ issue-466 171 12 resources resource NOUN issue-466 171 13 deficit deficit NOUN issue-466 171 14 for for ADP issue-466 171 15 the the DET issue-466 171 16 customers customer NOUN issue-466 171 17 , , PUNCT issue-466 171 18 which which PRON issue-466 171 19 eventually eventually ADV issue-466 171 20 contributed contribute VERB issue-466 171 21 to to ADP issue-466 171 22 the the DET issue-466 171 23 increase increase NOUN issue-466 171 24 in in ADP issue-466 171 25 the the DET issue-466 171 26 demand demand NOUN issue-466 171 27 for for ADP issue-466 171 28 the the DET issue-466 171 29 corresponding corresponding ADJ issue-466 171 30 loan loan NOUN issue-466 171 31 products product NOUN issue-466 171 32 . . PUNCT issue-466 172 1 according accord VERB issue-466 172 2 to to ADP issue-466 172 3 the the DET issue-466 172 4 research research NOUN issue-466 172 5 of of ADP issue-466 172 6 ukrainian ukrainian ADJ issue-466 172 7 e e PROPN issue-466 172 8 - - PROPN issue-466 172 9 commerce commerce NOUN issue-466 172 10 expert expert NOUN issue-466 172 11 , , PUNCT issue-466 172 12 under under ADP issue-466 172 13 the the DET issue-466 172 14 results result NOUN issue-466 172 15 of of ADP issue-466 172 16 2016 2016 NUM issue-466 172 17 in in ADP issue-466 172 18 the the DET issue-466 172 19 market market NOUN issue-466 172 20 of of ADP issue-466 172 21 online online ADJ issue-466 172 22 lending lending NOUN issue-466 172 23 , , PUNCT issue-466 172 24 13 13 NUM issue-466 172 25 companies company NOUN issue-466 172 26 providing provide VERB issue-466 172 27 microcredit microcredit NOUN issue-466 172 28 services service NOUN issue-466 172 29 to to ADP issue-466 172 30 the the DET issue-466 172 31 population population NOUN issue-466 172 32 are be AUX issue-466 172 33 represented represent VERB issue-466 172 34 exclusively exclusively ADV issue-466 172 35 through through ADP issue-466 172 36 the the DET issue-466 172 37 internet internet NOUN issue-466 172 38 . . PUNCT issue-466 173 1 in in ADP issue-466 173 2 particular particular ADJ issue-466 173 3 , , PUNCT issue-466 173 4 such such ADJ issue-466 173 5 companies company NOUN issue-466 173 6 should should AUX issue-466 173 7 include include VERB issue-466 173 8 the the DET issue-466 173 9 following following NOUN issue-466 173 10 : : PUNCT issue-466 173 11 bystrozayem bystrozayem NOUN issue-466 173 12 , , PUNCT issue-466 173 13 cash cash NOUN issue-466 173 14 point point NOUN issue-466 173 15 , , PUNCT issue-466 173 16 ccloan ccloan PROPN issue-466 173 17 ” " PUNCT issue-466 173 18 , , PUNCT issue-466 173 19 credit365 credit365 PROPN issue-466 173 20 , , PUNCT issue-466 173 21 crediton crediton PROPN issue-466 173 22 , , PUNCT issue-466 173 23 creditup creditup ADJ issue-466 173 24 , , PUNCT issue-466 173 25 eurogroshi eurogroshi ADJ issue-466 173 26 , , PUNCT issue-466 173 27 ikapusta ikapusta NOUN issue-466 173 28 , , PUNCT issue-466 173 29 klt klt NOUN issue-466 173 30 credit credit NOUN issue-466 173 31 , , PUNCT issue-466 173 32 moneyboom moneyboom NOUN issue-466 173 33 , , PUNCT issue-466 173 34 moneyveo moneyveo PROPN issue-466 173 35 , , PUNCT issue-466 173 36 mycredit mycredit NOUN issue-466 173 37 , , PUNCT issue-466 173 38 and and CCONJ issue-466 173 39 ultracash ultracash NOUN issue-466 173 40 . . PUNCT issue-466 174 1 out out ADP issue-466 174 2 of of ADP issue-466 174 3 them they PRON issue-466 174 4 , , PUNCT issue-466 174 5 considerable considerable ADJ issue-466 174 6 activeness activeness NOUN issue-466 174 7 in in ADP issue-466 174 8 the the DET issue-466 174 9 market market NOUN issue-466 174 10 is be AUX issue-466 174 11 demonstrated demonstrate VERB issue-466 174 12 by by ADP issue-466 174 13 moneyveo moneyveo NOUN issue-466 174 14 , , PUNCT issue-466 174 15 credit365 credit365 PROPN issue-466 174 16 , , PUNCT issue-466 174 17 and and CCONJ issue-466 174 18 moneyboom moneyboom NOUN issue-466 174 19 ( ( PUNCT issue-466 174 20 gusev gusev NOUN issue-466 174 21 , , PUNCT issue-466 174 22 2017 2017 NUM issue-466 174 23 ) ) PUNCT issue-466 174 24 . . PUNCT issue-466 175 1 the the DET issue-466 175 2 foregoing foregoing NOUN issue-466 175 3 gives give VERB issue-466 175 4 grounds ground NOUN issue-466 175 5 for for ADP issue-466 175 6 asserting assert VERB issue-466 175 7 , , PUNCT issue-466 175 8 that that SCONJ issue-466 175 9 the the DET issue-466 175 10 financial financial ADJ issue-466 175 11 services service NOUN issue-466 175 12 market market NOUN issue-466 175 13 will will AUX issue-466 175 14 be be AUX issue-466 175 15 significantly significantly ADV issue-466 175 16 affected affect VERB issue-466 175 17 by by ADP issue-466 175 18 the the DET issue-466 175 19 introduction introduction NOUN issue-466 175 20 of of ADP issue-466 175 21 new new ADJ issue-466 175 22 information information NOUN issue-466 175 23 technologies technology NOUN issue-466 175 24 in in ADP issue-466 175 25 the the DET issue-466 175 26 field field NOUN issue-466 175 27 of of ADP issue-466 175 28 interaction interaction NOUN issue-466 175 29 between between ADP issue-466 175 30 the the DET issue-466 175 31 producers producer NOUN issue-466 175 32 and and CCONJ issue-466 175 33 the the DET issue-466 175 34 consumers consumer NOUN issue-466 175 35 of of ADP issue-466 175 36 such such ADJ issue-466 175 37 services service NOUN issue-466 175 38 . . PUNCT issue-466 176 1 such such DET issue-466 176 2 a a DET issue-466 176 3 process process NOUN issue-466 176 4 is be AUX issue-466 176 5 inevitable inevitable ADJ issue-466 176 6 and and CCONJ issue-466 176 7 will will AUX issue-466 176 8 only only ADV issue-466 176 9 deepen deepen VERB issue-466 176 10 in in ADP issue-466 176 11 the the DET issue-466 176 12 future future NOUN issue-466 176 13 . . PUNCT issue-466 177 1 however however ADV issue-466 177 2 , , PUNCT issue-466 177 3 baltic baltic ADJ issue-466 177 4 journal journal PROPN issue-466 177 5 of of ADP issue-466 177 6 economic economic ADJ issue-466 177 7 studies study NOUN issue-466 177 8 356 356 NUM issue-466 177 9 vol vol NOUN issue-466 177 10 . . PROPN issue-466 178 1 4 4 NUM issue-466 178 2 , , PUNCT issue-466 178 3 no no INTJ issue-466 178 4 . . NOUN issue-466 178 5 3 3 NUM issue-466 178 6 , , PUNCT issue-466 178 7 2018 2018 NUM issue-466 178 8 despite despite SCONJ issue-466 178 9 all all DET issue-466 178 10 the the DET issue-466 178 11 benefits benefit NOUN issue-466 178 12 of of ADP issue-466 178 13 the the DET issue-466 178 14 information information NOUN issue-466 178 15 technology technology NOUN issue-466 178 16 to to PART issue-466 178 17 change change VERB issue-466 178 18 the the DET issue-466 178 19 reality reality NOUN issue-466 178 20 of of ADP issue-466 178 21 the the DET issue-466 178 22 existing exist VERB issue-466 178 23 systems system NOUN issue-466 178 24 , , PUNCT issue-466 178 25 they they PRON issue-466 178 26 also also ADV issue-466 178 27 carry carry VERB issue-466 178 28 threats threat NOUN issue-466 178 29 to to ADP issue-466 178 30 their their PRON issue-466 178 31 functioning functioning NOUN issue-466 178 32 . . PUNCT issue-466 179 1 such such ADJ issue-466 179 2 main main ADJ issue-466 179 3 threats threat NOUN issue-466 179 4 include include VERB issue-466 179 5 the the DET issue-466 179 6 following follow VERB issue-466 179 7 : : PUNCT issue-466 179 8 – – PUNCT issue-466 179 9 a a DET issue-466 179 10 significant significant ADJ issue-466 179 11 complication complication NOUN issue-466 179 12 of of ADP issue-466 179 13 the the DET issue-466 179 14 process process NOUN issue-466 179 15 of of ADP issue-466 179 16 the the DET issue-466 179 17 financial financial ADJ issue-466 179 18 services service NOUN issue-466 179 19 providing provide VERB issue-466 179 20 by by ADP issue-466 179 21 various various ADJ issue-466 179 22 institutions institution NOUN issue-466 179 23 , , PUNCT issue-466 179 24 which which PRON issue-466 179 25 requires require VERB issue-466 179 26 the the DET issue-466 179 27 introduction introduction NOUN issue-466 179 28 of of ADP issue-466 179 29 new new ADJ issue-466 179 30 technologies technology NOUN issue-466 179 31 , , PUNCT issue-466 179 32 regulation regulation NOUN issue-466 179 33 of of ADP issue-466 179 34 the the DET issue-466 179 35 employees employee NOUN issue-466 179 36 ’ ’ PART issue-466 179 37 actions action NOUN issue-466 179 38 of of ADP issue-466 179 39 such such ADJ issue-466 179 40 institutions institution NOUN issue-466 179 41 , , PUNCT issue-466 179 42 development development NOUN issue-466 179 43 of of ADP issue-466 179 44 new new ADJ issue-466 179 45 mechanisms mechanism NOUN issue-466 179 46 for for ADP issue-466 179 47 their their PRON issue-466 179 48 provision provision NOUN issue-466 179 49 ; ; PUNCT issue-466 179 50 – – PUNCT issue-466 179 51 the the DET issue-466 179 52 need need NOUN issue-466 179 53 to to PART issue-466 179 54 attract attract VERB issue-466 179 55 highly highly ADV issue-466 179 56 - - PUNCT issue-466 179 57 skilled skilled ADJ issue-466 179 58 workers worker NOUN issue-466 179 59 to to PART issue-466 179 60 organize organize VERB issue-466 179 61 the the DET issue-466 179 62 work work NOUN issue-466 179 63 in in ADP issue-466 179 64 the the DET issue-466 179 65 field field NOUN issue-466 179 66 of of ADP issue-466 179 67 combating combat VERB issue-466 179 68 the the DET issue-466 179 69 cybercrime cybercrime NOUN issue-466 179 70 and and CCONJ issue-466 179 71 to to PART issue-466 179 72 build build VERB issue-466 179 73 real real ADJ issue-466 179 74 - - PUNCT issue-466 179 75 functioning function VERB issue-466 179 76 systems system NOUN issue-466 179 77 to to PART issue-466 179 78 counter counter VERB issue-466 179 79 the the DET issue-466 179 80 thirdparty thirdparty NOUN issue-466 179 81 intervention intervention NOUN issue-466 179 82 in in ADP issue-466 179 83 the the DET issue-466 179 84 work work NOUN issue-466 179 85 of of ADP issue-466 179 86 financial financial ADJ issue-466 179 87 institutions institution NOUN issue-466 179 88 ; ; PUNCT issue-466 179 89 the the DET issue-466 179 90 amount amount NOUN issue-466 179 91 of of ADP issue-466 179 92 the the DET issue-466 179 93 cyber cyber NOUN issue-466 179 94 - - PUNCT issue-466 179 95 shot shot NOUN issue-466 179 96 money money NOUN issue-466 179 97 withdrawn withdraw VERB issue-466 179 98 from from ADP issue-466 179 99 the the DET issue-466 179 100 electronic electronic ADJ issue-466 179 101 payment payment NOUN issue-466 179 102 cards card NOUN issue-466 179 103 of of ADP issue-466 179 104 the the DET issue-466 179 105 ukrainians ukrainians PROPN issue-466 179 106 in in ADP issue-466 179 107 2016 2016 NUM issue-466 179 108 increased increase VERB issue-466 179 109 to to ADP issue-466 179 110 339.13 339.13 NUM issue-466 179 111 million million NUM issue-466 179 112 uah uah NOUN issue-466 179 113 . . PUNCT issue-466 180 1 often often ADV issue-466 180 2 cyberattacks cyberattack VERB issue-466 180 3 use use VERB issue-466 180 4 such such ADJ issue-466 180 5 kind kind NOUN issue-466 180 6 of of ADP issue-466 180 7 fraud fraud NOUN issue-466 180 8 as as ADP issue-466 180 9 “ " PUNCT issue-466 180 10 phishing phishe VERB issue-466 180 11 ” " PUNCT issue-466 180 12 – – PUNCT issue-466 180 13 calls call VERB issue-466 180 14 to to ADP issue-466 180 15 the the DET issue-466 180 16 bank bank NOUN issue-466 180 17 customers customer NOUN issue-466 180 18 in in ADP issue-466 180 19 order order NOUN issue-466 180 20 to to PART issue-466 180 21 tame tame ADJ issue-466 180 22 requisites requisite NOUN issue-466 180 23 of of ADP issue-466 180 24 payment payment NOUN issue-466 180 25 cards card NOUN issue-466 180 26 , , PUNCT issue-466 180 27 necessary necessary ADJ issue-466 180 28 for for ADP issue-466 180 29 conducting conduct VERB issue-466 180 30 transactions transaction NOUN issue-466 180 31 without without ADP issue-466 180 32 using use VERB issue-466 180 33 a a DET issue-466 180 34 card card NOUN issue-466 180 35 . . PUNCT issue-466 181 1 according accord VERB issue-466 181 2 to to ADP issue-466 181 3 the the DET issue-466 181 4 ema ema PROPN issue-466 181 5 research research NOUN issue-466 181 6 , , PUNCT issue-466 181 7 in in ADP issue-466 181 8 2016 2016 NUM issue-466 181 9 , , PUNCT issue-466 181 10 the the DET issue-466 181 11 cyberattacks cyberattack NOUN issue-466 181 12 received receive VERB issue-466 181 13 from from ADP issue-466 181 14 the the DET issue-466 181 15 illegal illegal ADJ issue-466 181 16 operations operation NOUN issue-466 181 17 of of ADP issue-466 181 18 “ " PUNCT issue-466 181 19 phishing phishe VERB issue-466 181 20 ” " PUNCT issue-466 181 21 5 5 NUM issue-466 181 22 times time NOUN issue-466 181 23 more more ADJ issue-466 181 24 than than ADP issue-466 181 25 in in ADP issue-466 181 26 2015 2015 NUM issue-466 181 27 – – PUNCT issue-466 181 28 275.45 275.45 NUM issue-466 181 29 million million NUM issue-466 181 30 uah uah NOUN issue-466 181 31 . . PUNCT issue-466 182 1 in in ADP issue-466 182 2 addition addition NOUN issue-466 182 3 , , PUNCT issue-466 182 4 the the DET issue-466 182 5 loss loss NOUN issue-466 182 6 of of ADP issue-466 182 7 bankcards bankcard NOUN issue-466 182 8 ’ ' PUNCT issue-466 182 9 users user NOUN issue-466 182 10 from from ADP issue-466 182 11 the the DET issue-466 182 12 fraudulent fraudulent ADJ issue-466 182 13 transactions transaction NOUN issue-466 182 14 on on ADP issue-466 182 15 the the DET issue-466 182 16 internet internet NOUN issue-466 182 17 in in ADP issue-466 182 18 2016 2016 NUM issue-466 182 19 doubled double VERB issue-466 182 20 – – PUNCT issue-466 182 21 to to ADP issue-466 182 22 63.68 63.68 NUM issue-466 182 23 million million NUM issue-466 182 24 uah uah NOUN issue-466 182 25 . . PUNCT issue-466 183 1 the the DET issue-466 183 2 number number NOUN issue-466 183 3 of of ADP issue-466 183 4 phishing phishe VERB issue-466 183 5 sites site NOUN issue-466 183 6 , , PUNCT issue-466 183 7 which which PRON issue-466 183 8 lurk lurk VERB issue-466 183 9 card card NOUN issue-466 183 10 details detail NOUN issue-466 183 11 from from ADP issue-466 183 12 payment payment NOUN issue-466 183 13 cardholders cardholder NOUN issue-466 183 14 , , PUNCT issue-466 183 15 in in ADP issue-466 183 16 2016 2016 NUM issue-466 183 17 became become VERB issue-466 183 18 a a DET issue-466 183 19 record record NOUN issue-466 183 20 number number NOUN issue-466 183 21 – – PUNCT issue-466 183 22 174 174 NUM issue-466 183 23 fraudulent fraudulent ADJ issue-466 183 24 web web NOUN issue-466 183 25 resources resource NOUN issue-466 183 26 were be AUX issue-466 183 27 detected detect VERB issue-466 183 28 and and CCONJ issue-466 183 29 closed close VERB issue-466 183 30 . . PUNCT issue-466 184 1 compared compare VERB issue-466 184 2 to to ADP issue-466 184 3 2015 2015 NUM issue-466 184 4 , , PUNCT issue-466 184 5 the the DET issue-466 184 6 scale scale NOUN issue-466 184 7 of of ADP issue-466 184 8 phishers phisher NOUN issue-466 184 9 ’ ’ PART issue-466 184 10 actions action NOUN issue-466 184 11 increased increase VERB issue-466 184 12 more more ADJ issue-466 184 13 than than ADP issue-466 184 14 4.5 4.5 NUM issue-466 184 15 times time NOUN issue-466 184 16 ( ( PUNCT issue-466 184 17 174 174 NUM issue-466 184 18 sites site NOUN issue-466 184 19 in in ADP issue-466 184 20 2016 2016 NUM issue-466 184 21 and and CCONJ issue-466 184 22 38 38 NUM issue-466 184 23 sites site NOUN issue-466 184 24 in in ADP issue-466 184 25 2015 2015 NUM issue-466 184 26 ) ) PUNCT issue-466 184 27 . . PUNCT issue-466 185 1 on on ADP issue-466 185 2 the the DET issue-466 185 3 contrary contrary NOUN issue-466 185 4 , , PUNCT issue-466 185 5 in in ADP issue-466 185 6 2017 2017 NUM issue-466 185 7 , , PUNCT issue-466 185 8 the the DET issue-466 185 9 number number NOUN issue-466 185 10 of of ADP issue-466 185 11 phishing phishe VERB issue-466 185 12 sites site NOUN issue-466 185 13 began begin VERB issue-466 185 14 to to PART issue-466 185 15 decline decline VERB issue-466 185 16 – – PUNCT issue-466 185 17 from from ADP issue-466 185 18 174 174 NUM issue-466 185 19 to to ADP issue-466 185 20 108 108 NUM issue-466 185 21 . . PUNCT issue-466 186 1 – – PUNCT issue-466 186 2 in in ADP issue-466 186 3 order order NOUN issue-466 186 4 to to PART issue-466 186 5 maintain maintain VERB issue-466 186 6 their their PRON issue-466 186 7 own own ADJ issue-466 186 8 competitiveness competitiveness NOUN issue-466 186 9 , , PUNCT issue-466 186 10 financial financial ADJ issue-466 186 11 institutions institution NOUN issue-466 186 12 are be AUX issue-466 186 13 obliged oblige VERB issue-466 186 14 to to PART issue-466 186 15 create create VERB issue-466 186 16 countermeasures countermeasure NOUN issue-466 186 17 against against ADP issue-466 186 18 the the DET issue-466 186 19 fraudulent fraudulent ADJ issue-466 186 20 behaviour behaviour NOUN issue-466 186 21 within within ADP issue-466 186 22 the the DET issue-466 186 23 financial financial ADJ issue-466 186 24 services service NOUN issue-466 186 25 market market NOUN issue-466 186 26 , , PUNCT issue-466 186 27 which which PRON issue-466 186 28 causes cause VERB issue-466 186 29 an an DET issue-466 186 30 objective objective ADJ issue-466 186 31 necessity necessity NOUN issue-466 186 32 for for ADP issue-466 186 33 implementing implement VERB issue-466 186 34 the the DET issue-466 186 35 corresponding corresponding ADJ issue-466 186 36 mechanisms mechanism NOUN issue-466 186 37 and and CCONJ issue-466 186 38 technologies technology NOUN issue-466 186 39 by by ADP issue-466 186 40 such such ADJ issue-466 186 41 institutions institution NOUN issue-466 186 42 and and CCONJ issue-466 186 43 is be AUX issue-466 186 44 accompanied accompany VERB issue-466 186 45 by by ADP issue-466 186 46 additional additional ADJ issue-466 186 47 expenses expense NOUN issue-466 186 48 ; ; PUNCT issue-466 186 49 – – PUNCT issue-466 186 50 the the DET issue-466 186 51 need need NOUN issue-466 186 52 to to PART issue-466 186 53 acquire acquire VERB issue-466 186 54 licensed licensed ADJ issue-466 186 55 software software NOUN issue-466 186 56 products product NOUN issue-466 186 57 results result VERB issue-466 186 58 in in ADP issue-466 186 59 an an DET issue-466 186 60 increase increase NOUN issue-466 186 61 in in ADP issue-466 186 62 the the DET issue-466 186 63 cost cost NOUN issue-466 186 64 of of ADP issue-466 186 65 implementing implement VERB issue-466 186 66 the the DET issue-466 186 67 online online ADJ issue-466 186 68 financial financial ADJ issue-466 186 69 service service NOUN issue-466 186 70 delivery delivery NOUN issue-466 186 71 systems system NOUN issue-466 186 72 ; ; PUNCT issue-466 186 73 – – PUNCT issue-466 186 74 the the DET issue-466 186 75 lack lack NOUN issue-466 186 76 of of ADP issue-466 186 77 full full ADJ issue-466 186 78 transition transition NOUN issue-466 186 79 to to ADP issue-466 186 80 the the DET issue-466 186 81 electronic electronic ADJ issue-466 186 82 document document NOUN issue-466 186 83 management management NOUN issue-466 186 84 , , PUNCT issue-466 186 85 which which PRON issue-466 186 86 is be AUX issue-466 186 87 stipulated stipulate VERB issue-466 186 88 by by ADP issue-466 186 89 provisions provision NOUN issue-466 186 90 of of ADP issue-466 186 91 the the DET issue-466 186 92 current current ADJ issue-466 186 93 legislation legislation NOUN issue-466 186 94 of of ADP issue-466 186 95 ukraine ukraine NOUN issue-466 186 96 , , PUNCT issue-466 186 97 and and CCONJ issue-466 186 98 complicates complicate VERB issue-466 186 99 the the DET issue-466 186 100 process process NOUN issue-466 186 101 of of ADP issue-466 186 102 interaction interaction NOUN issue-466 186 103 with with ADP issue-466 186 104 various various ADJ issue-466 186 105 state state NOUN issue-466 186 106 authorities authority NOUN issue-466 186 107 and and CCONJ issue-466 186 108 requires require VERB issue-466 186 109 the the DET issue-466 186 110 spending spending NOUN issue-466 186 111 of of ADP issue-466 186 112 additional additional ADJ issue-466 186 113 resources resource NOUN issue-466 186 114 of of ADP issue-466 186 115 employees employee NOUN issue-466 186 116 of of ADP issue-466 186 117 financial financial ADJ issue-466 186 118 intermediaries intermediary NOUN issue-466 186 119 ; ; PUNCT issue-466 186 120 – – PUNCT issue-466 186 121 significant significant ADJ issue-466 186 122 costs cost NOUN issue-466 186 123 for for ADP issue-466 186 124 providing provide VERB issue-466 186 125 the the DET issue-466 186 126 effective effective ADJ issue-466 186 127 information information NOUN issue-466 186 128 security security NOUN issue-466 186 129 systems system NOUN issue-466 186 130 within within ADP issue-466 186 131 individual individual ADJ issue-466 186 132 financial financial ADJ issue-466 186 133 institutions institution NOUN issue-466 186 134 in in ADP issue-466 186 135 order order NOUN issue-466 186 136 to to PART issue-466 186 137 prevent prevent VERB issue-466 186 138 unauthorized unauthorized ADJ issue-466 186 139 penetration penetration NOUN issue-466 186 140 and and CCONJ issue-466 186 141 their their PRON issue-466 186 142 disclosure disclosure NOUN issue-466 186 143 and and CCONJ issue-466 186 144 use use NOUN issue-466 186 145 by by ADP issue-466 186 146 other other ADJ issue-466 186 147 persons person NOUN issue-466 186 148 . . PUNCT issue-466 187 1 there there PRON issue-466 187 2 are be VERB issue-466 187 3 also also ADV issue-466 187 4 other other ADJ issue-466 187 5 barriers barrier NOUN issue-466 187 6 to to ADP issue-466 187 7 the the DET issue-466 187 8 active active ADJ issue-466 187 9 introduction introduction NOUN issue-466 187 10 of of ADP issue-466 187 11 the the DET issue-466 187 12 information information NOUN issue-466 187 13 technology technology NOUN issue-466 187 14 within within ADP issue-466 187 15 the the DET issue-466 187 16 financial financial ADJ issue-466 187 17 services service NOUN issue-466 187 18 market market NOUN issue-466 187 19 , , PUNCT issue-466 187 20 which which PRON issue-466 187 21 impede impede VERB issue-466 187 22 the the DET issue-466 187 23 penetration penetration NOUN issue-466 187 24 of of ADP issue-466 187 25 such such ADJ issue-466 187 26 technologies technology NOUN issue-466 187 27 into into ADP issue-466 187 28 a a DET issue-466 187 29 particular particular ADJ issue-466 187 30 sphere sphere NOUN issue-466 187 31 . . PUNCT issue-466 188 1 however however ADV issue-466 188 2 , , PUNCT issue-466 188 3 the the DET issue-466 188 4 development development NOUN issue-466 188 5 of of ADP issue-466 188 6 the the DET issue-466 188 7 information information NOUN issue-466 188 8 economy economy NOUN issue-466 188 9 in in ADP issue-466 188 10 the the DET issue-466 188 11 state state NOUN issue-466 188 12 is be AUX issue-466 188 13 an an DET issue-466 188 14 inevitable inevitable ADJ issue-466 188 15 process process NOUN issue-466 188 16 of of ADP issue-466 188 17 further further ADJ issue-466 188 18 development development NOUN issue-466 188 19 of of ADP issue-466 188 20 the the DET issue-466 188 21 society society NOUN issue-466 188 22 and and CCONJ issue-466 188 23 will will AUX issue-466 188 24 occur occur VERB issue-466 188 25 objectively objectively ADV issue-466 188 26 , , PUNCT issue-466 188 27 regardless regardless ADV issue-466 188 28 of of ADP issue-466 188 29 desires desire NOUN issue-466 188 30 of of ADP issue-466 188 31 individuals individual NOUN issue-466 188 32 , , PUNCT issue-466 188 33 politicians politician NOUN issue-466 188 34 , , PUNCT issue-466 188 35 etc etc X issue-466 188 36 . . X issue-466 188 37 that that PRON issue-466 188 38 is be AUX issue-466 188 39 why why SCONJ issue-466 188 40 the the DET issue-466 188 41 financial financial ADJ issue-466 188 42 services service NOUN issue-466 188 43 market market NOUN issue-466 188 44 will will AUX issue-466 188 45 continue continue VERB issue-466 188 46 to to PART issue-466 188 47 undergo undergo VERB issue-466 188 48 strong strong ADJ issue-466 188 49 transformations transformation NOUN issue-466 188 50 under under ADP issue-466 188 51 the the DET issue-466 188 52 pressure pressure NOUN issue-466 188 53 of of ADP issue-466 188 54 modern modern ADJ issue-466 188 55 and and CCONJ issue-466 188 56 new new ADJ issue-466 188 57 information information NOUN issue-466 188 58 and and CCONJ issue-466 188 59 innovation innovation NOUN issue-466 188 60 products product NOUN issue-466 188 61 . . PUNCT issue-466 189 1 5 5 X issue-466 189 2 . . X issue-466 189 3 findings finding VERB issue-466 189 4 the the DET issue-466 189 5 article article NOUN issue-466 189 6 identifies identify VERB issue-466 189 7 determinants determinant NOUN issue-466 189 8 of of ADP issue-466 189 9 the the DET issue-466 189 10 transformation transformation NOUN issue-466 189 11 of of ADP issue-466 189 12 the the DET issue-466 189 13 financial financial ADJ issue-466 189 14 services service NOUN issue-466 189 15 market market NOUN issue-466 189 16 within within ADP issue-466 189 17 the the DET issue-466 189 18 information information NOUN issue-466 189 19 economy economy NOUN issue-466 189 20 . . PUNCT issue-466 190 1 a a DET issue-466 190 2 detailed detailed ADJ issue-466 190 3 analysis analysis NOUN issue-466 190 4 of of ADP issue-466 190 5 advantages advantage NOUN issue-466 190 6 and and CCONJ issue-466 190 7 disadvantages disadvantage NOUN issue-466 190 8 of of ADP issue-466 190 9 the the DET issue-466 190 10 information information NOUN issue-466 190 11 technology technology NOUN issue-466 190 12 introduction introduction NOUN issue-466 190 13 from from ADP issue-466 190 14 the the DET issue-466 190 15 point point NOUN issue-466 190 16 of of ADP issue-466 190 17 view view NOUN issue-466 190 18 of of ADP issue-466 190 19 both both DET issue-466 190 20 producers producer NOUN issue-466 190 21 and and CCONJ issue-466 190 22 consumers consumer NOUN issue-466 190 23 of of ADP issue-466 190 24 financial financial ADJ issue-466 190 25 services service NOUN issue-466 190 26 is be AUX issue-466 190 27 performed perform VERB issue-466 190 28 . . PUNCT issue-466 191 1 the the DET issue-466 191 2 defining define VERB issue-466 191 3 determinants determinant NOUN issue-466 191 4 that that PRON issue-466 191 5 characterize characterize VERB issue-466 191 6 the the DET issue-466 191 7 most most ADV issue-466 191 8 noticeable noticeable ADJ issue-466 191 9 changes change NOUN issue-466 191 10 in in ADP issue-466 191 11 the the DET issue-466 191 12 financial financial ADJ issue-466 191 13 services service NOUN issue-466 191 14 market market NOUN issue-466 191 15 under under ADP issue-466 191 16 the the DET issue-466 191 17 pressure pressure NOUN issue-466 191 18 of of ADP issue-466 191 19 new new ADJ issue-466 191 20 information information NOUN issue-466 191 21 technologies technology NOUN issue-466 191 22 were be AUX issue-466 191 23 the the DET issue-466 191 24 processes process NOUN issue-466 191 25 , , PUNCT issue-466 191 26 which which PRON issue-466 191 27 are be AUX issue-466 191 28 actively actively ADV issue-466 191 29 developing develop VERB issue-466 191 30 today today NOUN issue-466 191 31 within within ADP issue-466 191 32 such such DET issue-466 191 33 a a DET issue-466 191 34 market market NOUN issue-466 191 35 and and CCONJ issue-466 191 36 , , PUNCT issue-466 191 37 above above ADP issue-466 191 38 all all PRON issue-466 191 39 , , PUNCT issue-466 191 40 related relate VERB issue-466 191 41 to to ADP issue-466 191 42 the the DET issue-466 191 43 implementation implementation NOUN issue-466 191 44 of of ADP issue-466 191 45 online online ADJ issue-466 191 46 customer customer NOUN issue-466 191 47 service service NOUN issue-466 191 48 platforms platform NOUN issue-466 191 49 , , PUNCT issue-466 191 50 improving improve VERB issue-466 191 51 the the DET issue-466 191 52 quality quality NOUN issue-466 191 53 of of ADP issue-466 191 54 the the DET issue-466 191 55 banking banking NOUN issue-466 191 56 settlement settlement NOUN issue-466 191 57 and and CCONJ issue-466 191 58 cash cash NOUN issue-466 191 59 services service NOUN issue-466 191 60 , , PUNCT issue-466 191 61 change change NOUN issue-466 191 62 in in ADP issue-466 191 63 the the DET issue-466 191 64 process process NOUN issue-466 191 65 of of ADP issue-466 191 66 granting grant VERB issue-466 191 67 loans loan NOUN issue-466 191 68 to to ADP issue-466 191 69 the the DET issue-466 191 70 economic economic ADJ issue-466 191 71 actors actor NOUN issue-466 191 72 . . PUNCT issue-466 192 1 the the DET issue-466 192 2 mentioned mention VERB issue-466 192 3 directions direction NOUN issue-466 192 4 of of ADP issue-466 192 5 the the DET issue-466 192 6 transformation transformation NOUN issue-466 192 7 of of ADP issue-466 192 8 the the DET issue-466 192 9 financial financial ADJ issue-466 192 10 services service NOUN issue-466 192 11 market market NOUN issue-466 192 12 are be AUX issue-466 192 13 considered consider VERB issue-466 192 14 in in ADP issue-466 192 15 detail detail NOUN issue-466 192 16 . . PUNCT issue-466 193 1 also also ADV issue-466 193 2 , , PUNCT issue-466 193 3 the the DET issue-466 193 4 features feature NOUN issue-466 193 5 of of ADP issue-466 193 6 their their PRON issue-466 193 7 occurrence occurrence NOUN issue-466 193 8 in in ADP issue-466 193 9 modern modern ADJ issue-466 193 10 conditions condition NOUN issue-466 193 11 of of ADP issue-466 193 12 such such ADJ issue-466 193 13 market market NOUN issue-466 193 14 functioning functioning NOUN issue-466 193 15 are be AUX issue-466 193 16 described describe VERB issue-466 193 17 . . PUNCT issue-466 194 1 6 6 X issue-466 194 2 . . PUNCT issue-466 194 3 conclusions conclusion NOUN issue-466 194 4 the the DET issue-466 194 5 extremely extremely ADV issue-466 194 6 important important ADJ issue-466 194 7 role role NOUN issue-466 194 8 of of ADP issue-466 194 9 the the DET issue-466 194 10 information information NOUN issue-466 194 11 technology technology NOUN issue-466 194 12 in in ADP issue-466 194 13 the the DET issue-466 194 14 development development NOUN issue-466 194 15 of of ADP issue-466 194 16 the the DET issue-466 194 17 financial financial ADJ issue-466 194 18 services service NOUN issue-466 194 19 field field NOUN issue-466 194 20 is be AUX issue-466 194 21 also also ADV issue-466 194 22 emphasized emphasize VERB issue-466 194 23 within within ADP issue-466 194 24 the the DET issue-466 194 25 article article NOUN issue-466 194 26 . . PUNCT issue-466 195 1 namely namely ADV issue-466 195 2 , , PUNCT issue-466 195 3 these these DET issue-466 195 4 technologies technology NOUN issue-466 195 5 transform transform VERB issue-466 195 6 all all DET issue-466 195 7 stages stage NOUN issue-466 195 8 of of ADP issue-466 195 9 providing provide VERB issue-466 195 10 these these DET issue-466 195 11 services service NOUN issue-466 195 12 to to ADP issue-466 195 13 their their PRON issue-466 195 14 customers customer NOUN issue-466 195 15 . . PUNCT issue-466 196 1 they they PRON issue-466 196 2 also also ADV issue-466 196 3 change change VERB issue-466 196 4 the the DET issue-466 196 5 working work VERB issue-466 196 6 system system NOUN issue-466 196 7 of of ADP issue-466 196 8 financial financial ADJ issue-466 196 9 service service NOUN issue-466 196 10 providers provider NOUN issue-466 196 11 and and CCONJ issue-466 196 12 require require VERB issue-466 196 13 them they PRON issue-466 196 14 to to PART issue-466 196 15 introduce introduce VERB issue-466 196 16 new new ADJ issue-466 196 17 financial financial ADJ issue-466 196 18 products product NOUN issue-466 196 19 . . PUNCT issue-466 197 1 further further ADJ issue-466 197 2 research research NOUN issue-466 197 3 in in ADP issue-466 197 4 this this DET issue-466 197 5 area area NOUN issue-466 197 6 will will AUX issue-466 197 7 only only ADV issue-466 197 8 deepen deepen VERB issue-466 197 9 the the DET issue-466 197 10 understanding understanding NOUN issue-466 197 11 of of ADP issue-466 197 12 modern modern ADJ issue-466 197 13 processes process NOUN issue-466 197 14 of of ADP issue-466 197 15 changing change VERB issue-466 197 16 the the DET issue-466 197 17 interaction interaction NOUN issue-466 197 18 system system NOUN issue-466 197 19 between between ADP issue-466 197 20 the the DET issue-466 197 21 financial financial ADJ issue-466 197 22 intermediaries intermediary NOUN issue-466 197 23 and and CCONJ issue-466 197 24 their their PRON issue-466 197 25 clients client NOUN issue-466 197 26 . . PUNCT issue-466 198 1 in in ADP issue-466 198 2 particular particular ADJ issue-466 198 3 , , PUNCT issue-466 198 4 it it PRON issue-466 198 5 is be AUX issue-466 198 6 interesting interesting ADJ issue-466 198 7 to to PART issue-466 198 8 use use VERB issue-466 198 9 the the DET issue-466 198 10 process process NOUN issue-466 198 11 approach approach NOUN issue-466 198 12 to to ADP issue-466 198 13 the the DET issue-466 198 14 very very ADJ issue-466 198 15 mechanism mechanism NOUN issue-466 198 16 of of ADP issue-466 198 17 providing provide VERB issue-466 198 18 the the DET issue-466 198 19 financial financial ADJ issue-466 198 20 services service NOUN issue-466 198 21 , , PUNCT issue-466 198 22 which which PRON issue-466 198 23 will will AUX issue-466 198 24 allow allow VERB issue-466 198 25 identifying identifying NOUN issue-466 198 26 and and CCONJ issue-466 198 27 classifying classify VERB issue-466 198 28 already already ADV issue-466 198 29 existing exist VERB issue-466 198 30 information information NOUN issue-466 198 31 technologies technology NOUN issue-466 198 32 , , PUNCT issue-466 198 33 used use VERB issue-466 198 34 by by ADP issue-466 198 35 financial financial ADJ issue-466 198 36 institutions institution NOUN issue-466 198 37 at at ADP issue-466 198 38 certain certain ADJ issue-466 198 39 stages stage NOUN issue-466 198 40 of of ADP issue-466 198 41 the the DET issue-466 198 42 development development NOUN issue-466 198 43 and and CCONJ issue-466 198 44 implementation implementation NOUN issue-466 198 45 of of ADP issue-466 198 46 such such ADJ issue-466 198 47 services service NOUN issue-466 198 48 . . PUNCT issue-466 199 1 as as ADV issue-466 199 2 well well ADV issue-466 199 3 , , PUNCT issue-466 199 4 from from ADP issue-466 199 5 the the DET issue-466 199 6 scientists scientist NOUN issue-466 199 7 ’ ' PUNCT issue-466 199 8 point point NOUN issue-466 199 9 of of ADP issue-466 199 10 view view NOUN issue-466 199 11 , , PUNCT issue-466 199 12 issues issue NOUN issue-466 199 13 of of ADP issue-466 199 14 data datum NOUN issue-466 199 15 systematization systematization NOUN issue-466 199 16 concerning concern VERB issue-466 199 17 the the DET issue-466 199 18 possibilities possibility NOUN issue-466 199 19 of of ADP issue-466 199 20 information information NOUN issue-466 199 21 products product NOUN issue-466 199 22 ’ ' PUNCT issue-466 199 23 use use NOUN issue-466 199 24 in in ADP issue-466 199 25 separate separate ADJ issue-466 199 26 segments segment NOUN issue-466 199 27 of of ADP issue-466 199 28 the the DET issue-466 199 29 financial financial ADJ issue-466 199 30 services service NOUN issue-466 199 31 market market NOUN issue-466 199 32 ( ( PUNCT issue-466 199 33 credit credit NOUN issue-466 199 34 , , PUNCT issue-466 199 35 deposit deposit NOUN issue-466 199 36 , , PUNCT issue-466 199 37 insurance insurance NOUN issue-466 199 38 , , PUNCT issue-466 199 39 investment investment NOUN issue-466 199 40 ) ) PUNCT issue-466 199 41 and and CCONJ issue-466 199 42 substantiating substantiate VERB issue-466 199 43 the the DET issue-466 199 44 essence essence NOUN issue-466 199 45 and and CCONJ issue-466 199 46 peculiarities peculiarity NOUN issue-466 199 47 of of ADP issue-466 199 48 such such ADJ issue-466 199 49 technologies technology NOUN issue-466 199 50 ’ ' PUNCT issue-466 199 51 use use NOUN issue-466 199 52 remain remain VERB issue-466 199 53 worthy worthy ADJ issue-466 199 54 further further ADJ issue-466 199 55 research research NOUN issue-466 199 56 . . PUNCT issue-466 200 1 baltic baltic PROPN issue-466 200 2 journal journal PROPN issue-466 200 3 of of ADP issue-466 200 4 economic economic ADJ issue-466 200 5 studies study NOUN issue-466 200 6 357 357 NUM issue-466 200 7 vol vol NOUN issue-466 200 8 . . PROPN issue-466 201 1 4 4 NUM issue-466 201 2 , , PUNCT issue-466 201 3 no no INTJ issue-466 201 4 . . NOUN issue-466 201 5 3 3 NUM issue-466 201 6 , , PUNCT issue-466 201 7 2018 2018 NUM issue-466 201 8 references reference NOUN issue-466 201 9 : : PUNCT issue-466 201 10 339 339 NUM issue-466 201 11 mln mln NOUN issue-466 201 12 uah uah NOUN issue-466 201 13 ( ( PUNCT issue-466 201 14 2017 2017 NUM issue-466 201 15 ) ) PUNCT issue-466 201 16 . . PUNCT issue-466 202 1 biznes bizne NOUN issue-466 202 2 – – PUNCT issue-466 202 3 business business NOUN issue-466 202 4 , , PUNCT issue-466 202 5 4 4 NUM issue-466 202 6 - - SYM issue-466 202 7 5 5 NUM issue-466 202 8 , , PUNCT issue-466 202 9 6 6 NUM issue-466 202 10 . . PUNCT issue-466 202 11 retrieved retrieve VERB issue-466 202 12 from from ADP issue-466 202 13 : : PUNCT issue-466 202 14 https://www.business.ua/primarily/portret https://www.business.ua/primarily/portret SYM issue-466 202 15 _ _ NOUN issue-466 202 16 nedeli_23_29_yanvarya-360893 nedeli_23_29_yanvarya-360893 PROPN issue-466 202 17 batkhin batkhin PROPN issue-466 202 18 yu yu PROPN issue-466 202 19 . . PUNCT issue-466 203 1 ( ( PUNCT issue-466 203 2 2018 2018 NUM issue-466 203 3 ) ) PUNCT issue-466 203 4 . . PUNCT issue-466 204 1 fintekh fintekh ADJ issue-466 204 2 yak yak PROPN issue-466 204 3 win win PROPN issue-466 204 4 - - PUNCT issue-466 204 5 win win NOUN issue-466 204 6 [ [ X issue-466 204 7 fintech fintech NOUN issue-466 204 8 as as ADP issue-466 204 9 win win NOUN issue-466 204 10 - - PUNCT issue-466 204 11 win win NOUN issue-466 204 12 ] ] PUNCT issue-466 204 13 . . PUNCT issue-466 205 1 biznes bizne NOUN issue-466 205 2 – – PUNCT issue-466 205 3 business business NOUN issue-466 205 4 , , PUNCT issue-466 205 5 15 15 NUM issue-466 205 6 - - SYM issue-466 205 7 16 16 NUM issue-466 205 8 , , PUNCT issue-466 205 9 37 37 NUM issue-466 205 10 . . PUNCT issue-466 206 1 ( ( PUNCT issue-466 206 2 in in ADP issue-466 206 3 ukrainian ukrainian ADJ issue-466 206 4 ) ) PUNCT issue-466 206 5 v v ADP issue-466 206 6 ukraini ukraini PROPN issue-466 206 7 maininh maininh PROPN issue-466 206 8 stane stane NOUN issue-466 206 9 ofitsiinym ofitsiinym NOUN issue-466 206 10 ( ( PUNCT issue-466 206 11 2018 2018 NUM issue-466 206 12 ) ) PUNCT issue-466 206 13 . . PUNCT issue-466 207 1 [ [ X issue-466 207 2 in in ADP issue-466 207 3 ukraine ukraine NOUN issue-466 207 4 , , PUNCT issue-466 207 5 mining mining NOUN issue-466 207 6 will will AUX issue-466 207 7 become become VERB issue-466 207 8 official official ADJ issue-466 207 9 ] ] PUNCT issue-466 207 10 biznes bizne NOUN issue-466 207 11 – – PUNCT issue-466 207 12 business business NOUN issue-466 207 13 , , PUNCT issue-466 207 14 10 10 NUM issue-466 207 15 - - SYM issue-466 207 16 11 11 NUM issue-466 207 17 , , PUNCT issue-466 207 18 6 6 NUM issue-466 207 19 . . PUNCT issue-466 208 1 ( ( PUNCT issue-466 208 2 in in ADP issue-466 208 3 ukrainian ukrainian ADJ issue-466 208 4 ) ) PUNCT issue-466 208 5 hrynkov hrynkov PROPN issue-466 208 6 d. d. PROPN issue-466 208 7 , , PUNCT issue-466 208 8 hontar hontar PROPN issue-466 208 9 v. v. PROPN issue-466 208 10 ( ( PUNCT issue-466 208 11 2016 2016 NUM issue-466 208 12 ) ) PUNCT issue-466 208 13 . . PUNCT issue-466 209 1 karta karta PROPN issue-466 209 2 s s PART issue-466 209 3 bytom bytom NOUN issue-466 210 1 [ [ X issue-466 210 2 map map NOUN issue-466 210 3 with with ADP issue-466 210 4 the the DET issue-466 210 5 way way NOUN issue-466 210 6 of of ADP issue-466 210 7 life life NOUN issue-466 210 8 ] ] PUNCT issue-466 210 9 . . PUNCT issue-466 211 1 biznes bizne NOUN issue-466 211 2 – – PUNCT issue-466 211 3 business business NOUN issue-466 211 4 , , PUNCT issue-466 211 5 51 51 NUM issue-466 211 6 - - SYM issue-466 211 7 52 52 NUM issue-466 211 8 ( ( PUNCT issue-466 211 9 1246 1246 NUM issue-466 211 10 - - SYM issue-466 211 11 1247 1247 NUM issue-466 211 12 ) ) PUNCT issue-466 211 13 , , PUNCT issue-466 211 14 34 34 NUM issue-466 211 15 - - SYM issue-466 211 16 35 35 NUM issue-466 211 17 . . PUNCT issue-466 212 1 ( ( PUNCT issue-466 212 2 in in ADP issue-466 212 3 ukrainian ukrainian ADJ issue-466 212 4 ) ) PUNCT issue-466 212 5 gusev gusev NOUN issue-466 212 6 iu iu ADP issue-466 212 7 . . PUNCT issue-466 213 1 ( ( PUNCT issue-466 213 2 2017 2017 NUM issue-466 213 3 ) ) PUNCT issue-466 213 4 . . PUNCT issue-466 214 1 v v X issue-466 214 2 stile stile NOUN issue-466 214 3 techno techno NOUN issue-466 215 1 [ [ X issue-466 215 2 in in ADP issue-466 215 3 the the DET issue-466 215 4 techno techno NOUN issue-466 215 5 style style NOUN issue-466 215 6 . . PUNCT issue-466 216 1 ] ] PUNCT issue-466 216 2 . . PUNCT issue-466 217 1 biznes bizne NOUN issue-466 217 2 – – PUNCT issue-466 217 3 business business NOUN issue-466 217 4 , , PUNCT issue-466 217 5 6 6 NUM issue-466 217 6 , , PUNCT issue-466 217 7 14 14 NUM issue-466 217 8 - - SYM issue-466 217 9 16 16 NUM issue-466 217 10 . . PUNCT issue-466 218 1 ( ( PUNCT issue-466 218 2 in in ADP issue-466 218 3 russian russian ADJ issue-466 218 4 ) ) PUNCT issue-466 218 5 dubyna dubyna PROPN issue-466 218 6 m.v m.v PROPN issue-466 218 7 . . PUNCT issue-466 219 1 ( ( PUNCT issue-466 219 2 2017 2017 NUM issue-466 219 3 ) ) PUNCT issue-466 219 4 . . PUNCT issue-466 220 1 osoblyvosti osoblyvosti PROPN issue-466 220 2 funktsionuvannia funktsionuvannia PROPN issue-466 220 3 rynku rynku ADJ issue-466 220 4 finansovykh finansovykh PROPN issue-466 220 5 posluh posluh NOUN issue-466 220 6 ukrainy ukrainy PROPN issue-466 220 7 u u PROPN issue-466 220 8 prostori prostori PROPN issue-466 220 9 rozvytku rozvytku PROPN issue-466 220 10 informatsiinoi informatsiinoi PROPN issue-466 220 11 ekonomiky ekonomiky VERB issue-466 221 1 [ [ X issue-466 221 2 special special ADJ issue-466 221 3 attention attention NOUN issue-466 221 4 to to ADP issue-466 221 5 the the DET issue-466 221 6 function function NOUN issue-466 221 7 of of ADP issue-466 221 8 the the DET issue-466 221 9 financial financial ADJ issue-466 221 10 support support NOUN issue-466 221 11 of of ADP issue-466 221 12 ukraine ukraine NOUN issue-466 221 13 in in ADP issue-466 221 14 the the DET issue-466 221 15 field field NOUN issue-466 221 16 of of ADP issue-466 221 17 the the DET issue-466 221 18 information information NOUN issue-466 221 19 economy economy NOUN issue-466 221 20 development development NOUN issue-466 221 21 ] ] PUNCT issue-466 221 22 . . PUNCT issue-466 222 1 aktualni aktualni PROPN issue-466 222 2 problemy problemy PROPN issue-466 222 3 formuvannia formuvannia PROPN issue-466 222 4 ta ta PART issue-466 222 5 rozvytku rozvytku VERB issue-466 222 6 informatsiinoi informatsiinoi PROPN issue-466 222 7 ekonomiky ekonomiky VERB issue-466 222 8 v v ADP issue-466 222 9 ukraini ukraini ADJ issue-466 222 10 – – PUNCT issue-466 222 11 current current ADJ issue-466 222 12 problems problem NOUN issue-466 222 13 in in ADP issue-466 222 14 formulating formulate VERB issue-466 222 15 the the DET issue-466 222 16 information information NOUN issue-466 222 17 economy economy NOUN issue-466 222 18 development development NOUN issue-466 222 19 in in ADP issue-466 222 20 ukraine ukraine PROPN issue-466 222 21 . . PUNCT issue-466 223 1 chernihiv chernihiv PROPN issue-466 223 2 . . PUNCT issue-466 224 1 pp pp ADJ issue-466 224 2 . . PUNCT issue-466 225 1 115 115 NUM issue-466 225 2 - - SYM issue-466 225 3 133 133 NUM issue-466 225 4 . . PUNCT issue-466 226 1 ( ( PUNCT issue-466 226 2 in in ADP issue-466 226 3 ukrainian ukrainian ADJ issue-466 226 4 ) ) PUNCT issue-466 226 5 kompleksne kompleksne NOUN issue-466 226 6 sotsiolohichne sotsiolohichne NOUN issue-466 226 7 doslidzhennia doslidzhennia PROPN issue-466 226 8 asotsiatsii asotsiatsii PROPN issue-466 226 9 « « PUNCT issue-466 226 10 iema iema NOUN issue-466 226 11 » » PUNCT issue-466 226 12 na na PART issue-466 226 13 temu temu PROPN issue-466 226 14 « « PUNCT issue-466 226 15 shakhraistvo shakhraistvo PROPN issue-466 226 16 ta ta PART issue-466 226 17 hramotnist hramotnist VERB issue-466 226 18 u u PROPN issue-466 226 19 sferi sferi PROPN issue-466 226 20 vykorystannia vykorystannia PROPN issue-466 226 21 platizhnykh platizhnykh VERB issue-466 226 22 instrumentiv instrumentiv PROPN issue-466 226 23 : : PUNCT issue-466 226 24 pohliad pohliad NOUN issue-466 226 25 ukrainskoho ukrainskoho PROPN issue-466 226 26 spozhyvacha spozhyvacha PROPN issue-466 226 27 » » PUNCT issue-466 227 1 [ [ X issue-466 227 2 complex complex ADJ issue-466 227 3 sociological sociological ADJ issue-466 227 4 research research NOUN issue-466 227 5 of of ADP issue-466 227 6 the the DET issue-466 227 7 “ " PUNCT issue-466 227 8 iema iema NOUN issue-466 227 9 ” " PUNCT issue-466 227 10 association association NOUN issue-466 227 11 on on ADP issue-466 227 12 the the DET issue-466 227 13 topic topic NOUN issue-466 227 14 “ " PUNCT issue-466 227 15 fraud fraud NOUN issue-466 227 16 and and CCONJ issue-466 227 17 literacy literacy NOUN issue-466 227 18 in in ADP issue-466 227 19 the the DET issue-466 227 20 field field NOUN issue-466 227 21 of of ADP issue-466 227 22 the the DET issue-466 227 23 payment payment NOUN issue-466 227 24 instruments instrument NOUN issue-466 227 25 use use VERB issue-466 227 26 : : PUNCT issue-466 227 27 a a DET issue-466 227 28 look look NOUN issue-466 227 29 at at ADP issue-466 227 30 the the DET issue-466 227 31 ukrainian ukrainian ADJ issue-466 227 32 community community NOUN issue-466 227 33 ” " PUNCT issue-466 227 34 ] ] X issue-466 227 35 ( ( PUNCT issue-466 227 36 n.d n.d PROPN issue-466 227 37 . . PROPN issue-466 227 38 ) ) PUNCT issue-466 227 39 . . PUNCT issue-466 228 1 https://ema.com.ua https://ema.com.ua PROPN issue-466 228 2 . . PUNCT issue-466 229 1 retrieved retrieve VERB issue-466 229 2 from from ADP issue-466 229 3 : : PUNCT issue-466 229 4 https://ema.com.ua/comprehensivesociological-study-of-association-ema https://ema.com.ua/comprehensivesociological-study-of-association-ema PROPN issue-466 229 5 myronenko myronenko PROPN issue-466 229 6 v. v. PROPN issue-466 229 7 ( ( PUNCT issue-466 229 8 2018 2018 NUM issue-466 229 9 ) ) PUNCT issue-466 229 10 . . PUNCT issue-466 230 1 minlyvyi minlyvyi PROPN issue-466 230 2 bankinh bankinh PROPN issue-466 231 1 [ [ X issue-466 231 2 changing change VERB issue-466 231 3 banking banking NOUN issue-466 231 4 ] ] PUNCT issue-466 231 5 . . PUNCT issue-466 232 1 biznes bizne NOUN issue-466 232 2 – – PUNCT issue-466 232 3 business business NOUN issue-466 232 4 , , PUNCT issue-466 232 5 15/18 15/18 NUM issue-466 232 6 , , PUNCT issue-466 232 7 3 3 NUM issue-466 232 8 . . PUNCT issue-466 232 9 ( ( PUNCT issue-466 232 10 in in ADP issue-466 232 11 ukrainian ukrainian ADJ issue-466 232 12 ) ) PUNCT issue-466 232 13 nazvany nazvany NOUN issue-466 232 14 50 50 NUM issue-466 232 15 luchshikh luchshikh ADJ issue-466 232 16 fintekh fintekh ADV issue-466 232 17 - - PUNCT issue-466 232 18 kompanii kompanii VERB issue-466 232 19 po po NOUN issue-466 232 20 versii versii NOUN issue-466 232 21 forbes forbes PROPN issue-466 233 1 [ [ X issue-466 233 2 the the DET issue-466 233 3 50 50 NUM issue-466 233 4 best good ADJ issue-466 233 5 fintech fintech NOUN issue-466 233 6 companies company NOUN issue-466 233 7 are be AUX issue-466 233 8 named name VERB issue-466 233 9 by by ADP issue-466 233 10 forbes forbes PROPN issue-466 233 11 ] ] PUNCT issue-466 233 12 . . PUNCT issue-466 234 1 retrieved retrieve VERB issue-466 234 2 from from ADP issue-466 234 3 : : PUNCT issue-466 234 4 https://psm7.com/news/nazvany-50-luchshix-fintex-kompanij-po-versii-forbes.html https://psm7.com/news/nazvany-50-luchshix-fintex-kompanij-po-versii-forbes.html NUM issue-466 234 5 osnovni osnovni PROPN issue-466 234 6 tsyfry tsyfry NOUN issue-466 234 7 ta ta PART issue-466 234 8 trendy trendy VERB issue-466 234 9 na na ADP issue-466 234 10 rynku rynku ADJ issue-466 234 11 platizhnykh platizhnykh ADJ issue-466 234 12 kartok kartok PROPN issue-466 234 13 ukrainy ukrainy PROPN issue-466 234 14 za za PROPN issue-466 234 15 pidsumkamy pidsumkamy PROPN issue-466 234 16 2017 2017 NUM issue-466 234 17 roku roku NOUN issue-466 235 1 [ [ X issue-466 235 2 the the DET issue-466 235 3 main main ADJ issue-466 235 4 figures figure NOUN issue-466 235 5 and and CCONJ issue-466 235 6 trends trend NOUN issue-466 235 7 in in ADP issue-466 235 8 the the DET issue-466 235 9 payment payment NOUN issue-466 235 10 cards card NOUN issue-466 235 11 market market NOUN issue-466 235 12 of of ADP issue-466 235 13 ukraine ukraine NOUN issue-466 235 14 in in ADP issue-466 235 15 2017 2017 NUM issue-466 235 16 ] ] PUNCT issue-466 235 17 . . PUNCT issue-466 236 1 ( ( PUNCT issue-466 236 2 n.d n.d PROPN issue-466 236 3 . . PROPN issue-466 236 4 ) ) PUNCT issue-466 236 5 . . PUNCT issue-466 237 1 https://upc.ua https://upc.ua NOUN issue-466 237 2 . . PUNCT issue-466 238 1 retrieved retrieve VERB issue-466 238 2 from from ADP issue-466 238 3 : : PUNCT issue-466 238 4 https://upc.ua/ua.htm https://upc.ua/ua.htm PROPN issue-466 238 5 popadynets popadynet NOUN issue-466 238 6 o.v o.v PROPN issue-466 238 7 . . PROPN issue-466 238 8 , , PUNCT issue-466 238 9 sheresheniuk sheresheniuk NOUN issue-466 238 10 o.m o.m PROPN issue-466 238 11 . . PUNCT issue-466 239 1 ( ( PUNCT issue-466 239 2 2016 2016 NUM issue-466 239 3 ) ) PUNCT issue-466 239 4 . . PUNCT issue-466 240 1 ekonomichni ekonomichni PROPN issue-466 240 2 zakony zakony PROPN issue-466 240 3 informatsiinoi informatsiinoi PROPN issue-466 240 4 ekonomiky ekonomiky VERB issue-466 240 5 : : PUNCT issue-466 240 6 transformatsiia transformatsiia VERB issue-466 240 7 tradytsiinykh tradytsiinykh ADJ issue-466 240 8 postulativ postulativ ADJ issue-466 240 9 ekonomichnoi ekonomichnoi NOUN issue-466 240 10 teorii teorii VERB issue-466 241 1 [ [ X issue-466 241 2 economic economic ADJ issue-466 241 3 laws law NOUN issue-466 241 4 of of ADP issue-466 241 5 the the DET issue-466 241 6 information information NOUN issue-466 241 7 economy economy NOUN issue-466 241 8 : : PUNCT issue-466 241 9 transformation transformation NOUN issue-466 241 10 of of ADP issue-466 241 11 the the DET issue-466 241 12 traditional traditional ADJ issue-466 241 13 postulates postulate NOUN issue-466 241 14 of of ADP issue-466 241 15 the the DET issue-466 241 16 economic economic ADJ issue-466 241 17 theory theory NOUN issue-466 241 18 ] ] PUNCT issue-466 241 19 . . PUNCT issue-466 242 1 in in ADP issue-466 242 2 accounting accounting NOUN issue-466 242 3 , , PUNCT issue-466 242 4 analysis analysis NOUN issue-466 242 5 and and CCONJ issue-466 242 6 audit audit NOUN issue-466 242 7 of of ADP issue-466 242 8 enterprises enterprise NOUN issue-466 242 9 : : PUNCT issue-466 242 10 problems problem NOUN issue-466 242 11 , , PUNCT issue-466 242 12 trends trend NOUN issue-466 242 13 , , PUNCT issue-466 242 14 prospects prospect NOUN issue-466 242 15 . . PUNCT issue-466 243 1 dublin dublin PROPN issue-466 243 2 : : PUNCT issue-466 244 1 saul saul PROPN issue-466 244 2 publishing publishing PROPN issue-466 244 3 ltd ltd PROPN issue-466 244 4 , , PUNCT issue-466 244 5 pр pр VERB issue-466 244 6 . . PUNCT issue-466 245 1 135 135 NUM issue-466 245 2 - - SYM issue-466 245 3 144 144 NUM issue-466 245 4 . . PUNCT issue-466 246 1 ( ( PUNCT issue-466 246 2 in in ADP issue-466 246 3 ukrainian ukrainian ADJ issue-466 246 4 ) ) PUNCT issue-466 246 5 piatyrichka piatyrichka NOUN issue-466 246 6 rozkvitu rozkvitu PROPN issue-466 246 7 smartfoniv smartfoniv PROPN issue-466 246 8 ( ( PUNCT issue-466 246 9 2018 2018 NUM issue-466 246 10 ) ) PUNCT issue-466 246 11 . . PUNCT issue-466 247 1 [ [ X issue-466 247 2 five five NUM issue-466 247 3 years year NOUN issue-466 247 4 of of ADP issue-466 247 5 prosperity prosperity NOUN issue-466 247 6 of of ADP issue-466 247 7 smartphones smartphone NOUN issue-466 247 8 ] ] PUNCT issue-466 247 9 . . PUNCT issue-466 248 1 biznes bizne NOUN issue-466 248 2 – – PUNCT issue-466 248 3 business business NOUN issue-466 248 4 , , PUNCT issue-466 248 5 16 16 NUM issue-466 248 6 - - SYM issue-466 248 7 17 17 NUM issue-466 248 8 , , PUNCT issue-466 248 9 6 6 NUM issue-466 248 10 . . PUNCT issue-466 249 1 ( ( PUNCT issue-466 249 2 in in ADP issue-466 249 3 ukrainian ukrainian ADJ issue-466 249 4 ) ) PUNCT issue-466 249 5 trofymchuk trofymchuk PROPN issue-466 249 6 m.i m.i PROPN issue-466 249 7 . . PROPN issue-466 249 8 ( ( PUNCT issue-466 249 9 2012 2012 NUM issue-466 249 10 ) ) PUNCT issue-466 249 11 . . PUNCT issue-466 250 1 rozvytok rozvytok PROPN issue-466 250 2 infokomunikatsiinoi infokomunikatsiinoi PROPN issue-466 250 3 infrastruktury infrastruktury PROPN issue-466 250 4 finansovoho finansovoho NOUN issue-466 250 5 rynku rynku ADJ issue-466 251 1 [ [ X issue-466 251 2 development development NOUN issue-466 251 3 of of ADP issue-466 251 4 the the DET issue-466 251 5 info info NOUN issue-466 251 6 - - PUNCT issue-466 251 7 communication communication NOUN issue-466 251 8 infrastructure infrastructure NOUN issue-466 251 9 of of ADP issue-466 251 10 the the DET issue-466 251 11 financial financial ADJ issue-466 251 12 market market NOUN issue-466 251 13 ] ] PUNCT issue-466 251 14 . . PUNCT issue-466 252 1 ekonomika ekonomika PROPN issue-466 252 2 ta ta ADP issue-466 252 3 upravlinnia upravlinnia PROPN issue-466 252 4 apk apk PROPN issue-466 252 5 – – PUNCT issue-466 252 6 economics economic NOUN issue-466 252 7 and and CCONJ issue-466 252 8 management management NOUN issue-466 252 9 of of ADP issue-466 252 10 the the DET issue-466 252 11 agro agro ADJ issue-466 252 12 - - PUNCT issue-466 252 13 industrial industrial ADJ issue-466 252 14 complex complex NOUN issue-466 252 15 , , PUNCT issue-466 252 16 9 9 NUM issue-466 252 17 , , PUNCT issue-466 252 18 158 158 NUM issue-466 252 19 - - SYM issue-466 252 20 160 160 NUM issue-466 252 21 . . PUNCT issue-466 253 1 ( ( PUNCT issue-466 253 2 in in ADP issue-466 253 3 ukrainian ukrainian ADJ issue-466 253 4 ) ) PUNCT issue-466 253 5 fishing fishing NOUN issue-466 253 6 v v NUM issue-466 253 7 2017 2017 NUM issue-466 253 8 godu godu NOUN issue-466 253 9 osvedomlennost osvedomlennost PROPN issue-466 253 10 luchshaia luchshaia PROPN issue-466 254 1 zashchita zashchita PROPN issue-466 254 2 ot ot PROPN issue-466 254 3 lovushek lovushek PROPN issue-466 255 1 [ [ X issue-466 255 2 phishing phishe VERB issue-466 255 3 in in ADP issue-466 255 4 2017 2017 NUM issue-466 255 5 : : PUNCT issue-466 255 6 awareness awareness NOUN issue-466 255 7 is be AUX issue-466 255 8 the the DET issue-466 255 9 best good ADJ issue-466 255 10 defense defense NOUN issue-466 255 11 against against ADP issue-466 255 12 traps trap NOUN issue-466 255 13 ] ] PUNCT issue-466 255 14 ( ( PUNCT issue-466 255 15 n.d n.d PROPN issue-466 255 16 . . PROPN issue-466 255 17 ) ) PUNCT issue-466 255 18 . . PUNCT issue-466 256 1 https://ema.com.ua https://ema.com.ua PROPN issue-466 256 2 . . PUNCT issue-466 257 1 retrieved retrieve VERB issue-466 257 2 from from ADP issue-466 257 3 https://ema.com.ua/phishing-statistics-results-2017 https://ema.com.ua/phishing-statistics-results-2017 PROPN issue-466 257 4 chukhno chukhno NOUN issue-466 257 5 a.i a.i PROPN issue-466 257 6 . . PROPN issue-466 257 7 ( ( PUNCT issue-466 257 8 2008 2008 NUM issue-466 257 9 ) ) PUNCT issue-466 257 10 . . PUNCT issue-466 258 1 instytutsionalna instytutsionalna PROPN issue-466 258 2 arkhitektonika arkhitektonika PROPN issue-466 258 3 ta ta ADP issue-466 258 4 instytutsionalna instytutsionalna PROPN issue-466 258 5 dynamika dynamika PROPN issue-466 258 6 [ [ X issue-466 258 7 institutional institutional ADJ issue-466 258 8 architecture architecture NOUN issue-466 258 9 and and CCONJ issue-466 258 10 institutional institutional ADJ issue-466 258 11 dynamics dynamic NOUN issue-466 258 12 ] ] PUNCT issue-466 258 13 . . PUNCT issue-466 259 1 ekonomika ekonomika PROPN issue-466 259 2 ukrainy ukrainy ADJ issue-466 259 3 – – PUNCT issue-466 259 4 economy economy NOUN issue-466 259 5 of of ADP issue-466 259 6 ukraine ukraine NOUN issue-466 259 7 , , PUNCT issue-466 259 8 7 7 NUM issue-466 259 9 , , PUNCT issue-466 259 10 137 137 NUM issue-466 259 11 - - SYM issue-466 259 12 143 143 NUM issue-466 259 13 . . PUNCT issue-466 260 1 ( ( PUNCT issue-466 260 2 in in ADP issue-466 260 3 ukrainian ukrainian ADJ issue-466 260 4 ) ) PUNCT issue-466 260 5 shkarlet shkarlet PROPN issue-466 260 6 s.m s.m PROPN issue-466 260 7 . . PROPN issue-466 260 8 ( ( PUNCT issue-466 260 9 2014 2014 NUM issue-466 260 10 ) ) PUNCT issue-466 260 11 . . PUNCT issue-466 261 1 informatsiina informatsiina PROPN issue-466 261 2 ekonomika ekonomika PROPN issue-466 261 3 : : PUNCT issue-466 261 4 metody metody ADJ issue-466 261 5 , , PUNCT issue-466 261 6 modeli modeli PROPN issue-466 261 7 ta ta PART issue-466 261 8 tekhnolohiia tekhnolohiia VERB issue-466 261 9 formuvannia formuvannia PROPN issue-466 262 1 [ [ X issue-466 262 2 the the DET issue-466 262 3 information information NOUN issue-466 262 4 economy economy NOUN issue-466 262 5 : : PUNCT issue-466 262 6 methods method NOUN issue-466 262 7 , , PUNCT issue-466 262 8 models model NOUN issue-466 262 9 and and CCONJ issue-466 262 10 technology technology NOUN issue-466 262 11 of of ADP issue-466 262 12 formation formation NOUN issue-466 262 13 ] ] PUNCT issue-466 262 14 . . PUNCT issue-466 263 1 chernihiv chernihiv PROPN issue-466 263 2 . . PUNCT issue-466 264 1 ( ( PUNCT issue-466 264 2 in in ADP issue-466 264 3 ukrainian ukrainian ADJ issue-466 264 4 ) ) PUNCT issue-466 264 5 shkarlet shkarlet PROPN issue-466 264 6 s.m s.m PROPN issue-466 264 7 . . PROPN issue-466 264 8 , , PUNCT issue-466 264 9 dubyna dubyna PROPN issue-466 264 10 m.v m.v PROPN issue-466 264 11 . . PUNCT issue-466 265 1 ( ( PUNCT issue-466 265 2 2016 2016 NUM issue-466 265 3 ) ) PUNCT issue-466 265 4 . . PUNCT issue-466 266 1 osoblyvosti osoblyvosti PROPN issue-466 266 2 zastosuvannia zastosuvannia PROPN issue-466 266 3 kohnityvnoho kohnityvnoho PROPN issue-466 266 4 pidkhodu pidkhodu ADV issue-466 266 5 do do VERB issue-466 266 6 identyfikatsii identyfikatsii NOUN issue-466 266 7 sutnosti sutnosti PROPN issue-466 266 8 rynku rynku ADJ issue-466 266 9 finansovykh finansovykh PROPN issue-466 266 10 posluh posluh NOUN issue-466 267 1 [ [ X issue-466 267 2 features feature NOUN issue-466 267 3 of of ADP issue-466 267 4 the the DET issue-466 267 5 application application NOUN issue-466 267 6 of of ADP issue-466 267 7 the the DET issue-466 267 8 cognitive cognitive ADJ issue-466 267 9 approach approach NOUN issue-466 267 10 to to ADP issue-466 267 11 the the DET issue-466 267 12 identification identification NOUN issue-466 267 13 of of ADP issue-466 267 14 the the DET issue-466 267 15 financial financial ADJ issue-466 267 16 services service NOUN issue-466 267 17 market market NOUN issue-466 267 18 essence essence NOUN issue-466 267 19 ] ] PUNCT issue-466 267 20 . . PUNCT issue-466 268 1 ekonomichnyi ekonomichnyi NOUN issue-466 268 2 chasopys chasopys PROPN issue-466 268 3 – – PUNCT issue-466 268 4 economic economic ADJ issue-466 268 5 journal journal NOUN issue-466 268 6 , , PUNCT issue-466 268 7 3 3 NUM issue-466 268 8 - - SYM issue-466 268 9 4 4 NUM issue-466 268 10 ( ( PUNCT issue-466 268 11 2 2 NUM issue-466 268 12 ) ) PUNCT issue-466 268 13 , , PUNCT issue-466 268 14 70 70 NUM issue-466 268 15 - - SYM issue-466 268 16 74 74 NUM issue-466 268 17 . . PUNCT issue-466 269 1 ( ( PUNCT issue-466 269 2 in in ADP issue-466 269 3 ukrainian ukrainian ADJ issue-466 269 4 ) ) PUNCT issue-466 269 5 shkarlet shkarlet PROPN issue-466 269 6 s.m s.m PROPN issue-466 269 7 . . PROPN issue-466 269 8 , , PUNCT issue-466 269 9 dubyna dubyna PROPN issue-466 269 10 m.v m.v PROPN issue-466 269 11 . . PUNCT issue-466 270 1 ( ( PUNCT issue-466 270 2 2017 2017 NUM issue-466 270 3 ) ) PUNCT issue-466 270 4 . . PUNCT issue-466 271 1 sutnist sutnist NOUN issue-466 271 2 ta ta PART issue-466 271 3 osoblyvosti osoblyvosti PROPN issue-466 271 4 rozvytku rozvytku VERB issue-466 271 5 informatsiinoho informatsiinoho NOUN issue-466 271 6 suspilstva suspilstva NOUN issue-466 272 1 [ [ X issue-466 272 2 the the DET issue-466 272 3 essence essence NOUN issue-466 272 4 and and CCONJ issue-466 272 5 peculiarities peculiarity NOUN issue-466 272 6 of of ADP issue-466 272 7 the the DET issue-466 272 8 information information NOUN issue-466 272 9 society society NOUN issue-466 272 10 development development PROPN issue-466 272 11 ] ] PUNCT issue-466 272 12 . . PUNCT issue-466 273 1 naukovyi naukovyi PROPN issue-466 273 2 visnyk visnyk ADP issue-466 273 3 polissia polissia PROPN issue-466 273 4 – – PUNCT issue-466 273 5 scientific scientific ADJ issue-466 273 6 bulletin bulletin NOUN issue-466 273 7 of of ADP issue-466 273 8 polissia polissia PROPN issue-466 273 9 , , PUNCT issue-466 273 10 1 1 NUM issue-466 273 11 ( ( PUNCT issue-466 273 12 2(10 2(10 NOUN issue-466 273 13 ) ) PUNCT issue-466 273 14 ) ) PUNCT issue-466 273 15 , , PUNCT issue-466 273 16 152 152 NUM issue-466 273 17 - - SYM issue-466 273 18 158 158 NUM issue-466 273 19 . . PUNCT issue-466 274 1 ( ( PUNCT issue-466 274 2 in in ADP issue-466 274 3 ukrainian ukrainian ADJ issue-466 274 4 ) ) PUNCT issue-466 274 5 iur iur PROPN issue-466 274 6 g. g. PROPN issue-466 274 7 ( ( PUNCT issue-466 274 8 2016 2016 NUM issue-466 274 9 ) ) PUNCT issue-466 274 10 . . PUNCT issue-466 275 1 bankam bankam PROPN issue-466 275 2 ne ne PROPN issue-466 275 3 obkhodimo obkhodimo PROPN issue-466 275 4 stanovitsia stanovitsia PROPN issue-466 275 5 bolem bolem NOUN issue-466 275 6 tekhnologichnymi tekhnologichnymi ADJ issue-466 276 1 i i PRON issue-466 276 2 gibkimi gibkimi VERB issue-466 277 1 [ [ X issue-466 277 2 banks bank NOUN issue-466 277 3 need need VERB issue-466 277 4 to to PART issue-466 277 5 become become VERB issue-466 277 6 more more ADV issue-466 277 7 technologic technologic NOUN issue-466 277 8 and and CCONJ issue-466 277 9 flexibey flexibey ADJ issue-466 277 10 ] ] PUNCT issue-466 277 11 . . PUNCT issue-466 278 1 biznes bizne NOUN issue-466 278 2 – – PUNCT issue-466 278 3 business business NOUN issue-466 278 4 , , PUNCT issue-466 278 5 51 51 NUM issue-466 278 6 - - SYM issue-466 278 7 52 52 NUM issue-466 278 8 ( ( PUNCT issue-466 278 9 1246 1246 NUM issue-466 278 10 - - SYM issue-466 278 11 1247 1247 NUM issue-466 278 12 ) ) PUNCT issue-466 278 13 , , PUNCT issue-466 278 14 40 40 NUM issue-466 278 15 - - SYM issue-466 278 16 41 41 NUM issue-466 278 17 . . PUNCT issue-466 279 1 ( ( PUNCT issue-466 279 2 in in ADP issue-466 279 3 russian russian PROPN issue-466 279 4 ) ) PUNCT issue-466 279 5 christopher christopher PROPN issue-466 279 6 n. n. PROPN issue-466 279 7 sutton sutton PROPN issue-466 279 8 , , PUNCT issue-466 279 9 beth beth PROPN issue-466 279 10 jenkins jenkins PROPN issue-466 279 11 ( ( PUNCT issue-466 279 12 n.d n.d PROPN issue-466 279 13 . . PROPN issue-466 279 14 ) ) PUNCT issue-466 279 15 . . PUNCT issue-466 280 1 sutton sutton PROPN issue-466 280 2 the the DET issue-466 280 3 role role NOUN issue-466 280 4 of of ADP issue-466 280 5 the the DET issue-466 280 6 financial financial ADJ issue-466 280 7 services service NOUN issue-466 280 8 sector sector NOUN issue-466 280 9 in in ADP issue-466 280 10 expanding expand VERB issue-466 280 11 economic economic ADJ issue-466 280 12 opportunity opportunity NOUN issue-466 280 13 . . PUNCT issue-466 281 1 retrieved retrieve VERB issue-466 281 2 from from ADP issue-466 281 3 : : PUNCT issue-466 281 4 https://sites.hks.harvard.edu/m-rcbg/csri/publications/report_19_eo%20 https://sites.hks.harvard.edu/m-rcbg/csri/publications/report_19_eo%20 PROPN issue-466 281 5 finance%20final.pdf finance%20final.pdf PROPN issue-466 281 6 graham graham PROPN issue-466 281 7 t.t t.t PROPN issue-466 281 8 . . PROPN issue-466 281 9 molitor molitor PROPN issue-466 281 10 ( ( PUNCT issue-466 281 11 2000 2000 NUM issue-466 281 12 ) ) PUNCT issue-466 281 13 . . PUNCT issue-466 282 1 trends trend NOUN issue-466 282 2 and and CCONJ issue-466 282 3 drivers driver NOUN issue-466 282 4 in in ADP issue-466 282 5 the the DET issue-466 282 6 information information NOUN issue-466 282 7 economy economy NOUN issue-466 282 8 : : PUNCT issue-466 282 9 strategic strategic ADJ issue-466 282 10 options option NOUN issue-466 282 11 for for ADP issue-466 282 12 the the DET issue-466 282 13 insurance insurance NOUN issue-466 282 14 and and CCONJ issue-466 282 15 banking banking NOUN issue-466 282 16 industry industry NOUN issue-466 282 17 . . PUNCT issue-466 283 1 foresight foresight NOUN issue-466 283 2 , , PUNCT issue-466 283 3 2(1 2(1 NUM issue-466 283 4 ) ) PUNCT issue-466 283 5 , , PUNCT issue-466 283 6 55 55 NUM issue-466 283 7 - - SYM issue-466 283 8 68 68 NUM issue-466 283 9 . . PUNCT issue-466 284 1 ( ( PUNCT issue-466 284 2 in in ADP issue-466 284 3 english english PROPN issue-466 284 4 ) ) PUNCT issue-466 284 5 martin martin PROPN issue-466 284 6 neil neil PROPN issue-466 284 7 baily baily PROPN issue-466 284 8 , , PUNCT issue-466 284 9 douglas douglas PROPN issue-466 284 10 j. j. PROPN issue-466 284 11 elliott elliott PROPN issue-466 284 12 ( ( PUNCT issue-466 284 13 n.d n.d PROPN issue-466 284 14 . . PROPN issue-466 284 15 ) ) PUNCT issue-466 284 16 . . PUNCT issue-466 285 1 the the DET issue-466 285 2 role role NOUN issue-466 285 3 of of ADP issue-466 285 4 finance finance NOUN issue-466 285 5 in in ADP issue-466 285 6 the the DET issue-466 285 7 economy economy NOUN issue-466 285 8 : : PUNCT issue-466 285 9 implications implication NOUN issue-466 285 10 for for ADP issue-466 285 11 structural structural ADJ issue-466 285 12 reform reform NOUN issue-466 285 13 of of ADP issue-466 285 14 the the DET issue-466 285 15 financial financial ADJ issue-466 285 16 sector sector NOUN issue-466 285 17 . . PUNCT issue-466 286 1 retrieved retrieve VERB issue-466 286 2 from from ADP issue-466 286 3 : : PUNCT issue-466 286 4 https://www.brookings.edu/wp-content/uploads/2016/06/11-financerole-in-economy-baily-elliott.pdf https://www.brookings.edu/wp-content/uploads/2016/06/11-financerole-in-economy-baily-elliott.pdf PROPN issue-466 286 5 noureen noureen PROPN issue-466 286 6 adnan adnan PROPN issue-466 286 7 ( ( PUNCT issue-466 286 8 n.d n.d PROPN issue-466 286 9 . . PROPN issue-466 286 10 ) ) PUNCT issue-466 286 11 . . PUNCT issue-466 287 1 the the DET issue-466 287 2 role role NOUN issue-466 287 3 of of ADP issue-466 287 4 the the DET issue-466 287 5 financial financial ADJ issue-466 287 6 sector sector NOUN issue-466 287 7 in in ADP issue-466 287 8 economic economic ADJ issue-466 287 9 growth growth NOUN issue-466 287 10 . . PUNCT issue-466 288 1 retrieved retrieve VERB issue-466 288 2 from from ADP issue-466 288 3 : : PUNCT issue-466 288 4 https://www.ukdataservice.ac.uk/media/263122/noureen-paper.pdf https://www.ukdataservice.ac.uk/media/263122/noureen-paper.pdf PROPN issue-466 288 5 shkarlet shkarlet PROPN issue-466 288 6 s.m s.m PROPN issue-466 288 7 . . PROPN issue-466 288 8 , , PUNCT issue-466 288 9 dubyna dubyna PROPN issue-466 288 10 m.v m.v PROPN issue-466 288 11 . . PROPN issue-466 288 12 , , PUNCT issue-466 288 13 tarasenko tarasenko PROPN issue-466 288 14 а.v а.v PROPN issue-466 288 15 . . PROPN issue-466 289 1 ( ( PUNCT issue-466 289 2 2017 2017 NUM issue-466 289 3 ) ) PUNCT issue-466 289 4 . . PUNCT issue-466 290 1 basic basic ADJ issue-466 290 2 descriptors descriptor NOUN issue-466 290 3 of of ADP issue-466 290 4 the the DET issue-466 290 5 information information NOUN issue-466 290 6 economy economy NOUN issue-466 290 7 development development NOUN issue-466 290 8 . . PUNCT issue-466 291 1 naukovyi naukovyi PROPN issue-466 291 2 visnyk visnyk ADP issue-466 291 3 polissia polissia PROPN issue-466 291 4 – – PUNCT issue-466 291 5 scientific scientific ADJ issue-466 291 6 bulletin bulletin NOUN issue-466 291 7 of of ADP issue-466 291 8 polissia polissia PROPN issue-466 291 9 , , PUNCT issue-466 291 10 1 1 NUM issue-466 291 11 ( ( PUNCT issue-466 291 12 3(11 3(11 NUM issue-466 291 13 ) ) PUNCT issue-466 291 14 ) ) PUNCT issue-466 291 15 , , PUNCT issue-466 291 16 8 8 NUM issue-466 291 17 - - SYM issue-466 291 18 15 15 NUM issue-466 291 19 . . PUNCT issue-466 292 1 ( ( PUNCT issue-466 292 2 in in ADP issue-466 292 3 english english PROPN issue-466 292 4 ) ) PUNCT