id	sid	tid	token	lemma	pos
issue-771	1	1	baltic	baltic	PROPN
issue-771	1	2	journal	journal	PROPN
issue-771	1	3	of	of	ADP
issue-771	1	4	economic	economic	ADJ
issue-771	1	5	studies	study	NOUN
issue-771	1	6	92	92	NUM
issue-771	1	7	vol	vol	NOUN
issue-771	1	8	.	.	PROPN
issue-771	2	1	6	6	NUM
issue-771	2	2	,	,	PUNCT
issue-771	2	3	no	no	INTJ
issue-771	2	4	.	.	NOUN
issue-771	2	5	1	1	NUM
issue-771	2	6	,	,	PUNCT
issue-771	2	7	2020	2020	NUM
issue-771	2	8	corresponding	correspond	VERB
issue-771	2	9	author	author	NOUN
issue-771	2	10	:	:	PUNCT
issue-771	2	11	1	1	NUM
issue-771	2	12	kyiv	kyiv	PROPN
issue-771	2	13	national	national	PROPN
issue-771	2	14	university	university	PROPN
issue-771	2	15	of	of	ADP
issue-771	2	16	trade	trade	NOUN
issue-771	2	17	and	and	CCONJ
issue-771	2	18	economics	economic	NOUN
issue-771	2	19	,	,	PUNCT
issue-771	2	20	ukraine	ukraine	NOUN
issue-771	2	21	.	.	PUNCT
issue-771	3	1	e	e	X
issue-771	3	2	-	-	NOUN
issue-771	3	3	mail	mail	NOUN
issue-771	3	4	:	:	PUNCT
issue-771	3	5	melnichenko@knteu.kiev.ua	melnichenko@knteu.kiev.ua	PROPN
issue-771	3	6	orcid	orcid	NOUN
issue-771	3	7	:	:	PUNCT
issue-771	3	8	https://orcid.org/0000-0002-5162-6324	https://orcid.org/0000-0002-5162-6324	PROPN
issue-771	3	9	researcherid	researcherid	NOUN
issue-771	3	10	:	:	PUNCT
issue-771	3	11	n-9535	n-9535	PROPN
issue-771	3	12	-	-	PUNCT
issue-771	3	13	2016	2016	NUM
issue-771	3	14	2	2	NUM
issue-771	3	15	kyiv	kyiv	PROPN
issue-771	3	16	national	national	PROPN
issue-771	3	17	university	university	PROPN
issue-771	3	18	of	of	ADP
issue-771	3	19	trade	trade	NOUN
issue-771	3	20	and	and	CCONJ
issue-771	3	21	economics	economic	NOUN
issue-771	3	22	,	,	PUNCT
issue-771	3	23	ukraine	ukraine	NOUN
issue-771	3	24	.	.	PUNCT
issue-771	4	1	e	e	X
issue-771	4	2	-	-	NOUN
issue-771	4	3	mail	mail	NOUN
issue-771	4	4	:	:	PUNCT
issue-771	4	5	volosovich_sv@ukr.net	volosovich_sv@ukr.net	NOUN
issue-771	4	6	orcid	orcid	NOUN
issue-771	4	7	:	:	PUNCT
issue-771	4	8	https://orcid.org/0000-0003-3143-7582	https://orcid.org/0000-0003-3143-7582	NOUN
issue-771	4	9	researcherid	researcherid	NOUN
issue-771	4	10	:	:	PUNCT
issue-771	4	11	n-2394	n-2394	NOUN
issue-771	4	12	-	-	SYM
issue-771	4	13	2016	2016	NUM
issue-771	4	14	3	3	NUM
issue-771	4	15	kyiv	kyiv	PROPN
issue-771	4	16	national	national	PROPN
issue-771	4	17	university	university	PROPN
issue-771	4	18	of	of	ADP
issue-771	4	19	trade	trade	NOUN
issue-771	4	20	and	and	CCONJ
issue-771	4	21	economics	economic	NOUN
issue-771	4	22	,	,	PUNCT
issue-771	4	23	ukraine	ukraine	NOUN
issue-771	4	24	.	.	PUNCT
issue-771	5	1	e	e	X
issue-771	5	2	-	-	NOUN
issue-771	5	3	mail	mail	NOUN
issue-771	5	4	:	:	PUNCT
issue-771	5	5	baraniukyurii@gmail.com	baraniukyurii@gmail.com	X
issue-771	6	1	orcid	orcid	NOUN
issue-771	6	2	:	:	PUNCT
issue-771	6	3	https://orcid.org/0000-0003-1289-2248	https://orcid.org/0000-0003-1289-2248	PROPN
issue-771	6	4	researcherid	researcherid	VERB
issue-771	6	5	:	:	PUNCT
issue-771	6	6	j-5726	j-5726	NUM
issue-771	6	7	-	-	SYM
issue-771	6	8	2018	2018	NUM
issue-771	6	9	doi	doi	NOUN
issue-771	6	10	:	:	PUNCT
issue-771	6	11	https://doi.org/10.30525/2256-0742/2020-6-1-92-99	https://doi.org/10.30525/2256-0742/2020-6-1-92-99	NOUN
issue-771	6	12	dominant	dominant	ADJ
issue-771	6	13	ideas	idea	NOUN
issue-771	6	14	of	of	ADP
issue-771	6	15	financial	financial	ADJ
issue-771	6	16	technologies	technology	NOUN
issue-771	6	17	in	in	ADP
issue-771	6	18	digital	digital	ADJ
issue-771	6	19	banking	banking	NOUN
issue-771	6	20	svitlana	svitlana	PROPN
issue-771	6	21	melnychenko1	melnychenko1	PROPN
issue-771	6	22	,	,	PUNCT
issue-771	6	23	svitlana	svitlana	PROPN
issue-771	6	24	volosovych2	volosovych2	PROPN
issue-771	6	25	,	,	PUNCT
issue-771	6	26	yurii	yurii	NOUN
issue-771	6	27	baraniuk3	baraniuk3	PROPN
issue-771	6	28	abstract	abstract	NOUN
issue-771	6	29	.	.	PUNCT
issue-771	7	1	the	the	DET
issue-771	7	2	purpose	purpose	NOUN
issue-771	7	3	of	of	ADP
issue-771	7	4	the	the	DET
issue-771	7	5	research	research	NOUN
issue-771	7	6	is	be	AUX
issue-771	7	7	the	the	DET
issue-771	7	8	definition	definition	NOUN
issue-771	7	9	of	of	ADP
issue-771	7	10	the	the	DET
issue-771	7	11	dominant	dominant	ADJ
issue-771	7	12	ideas	idea	NOUN
issue-771	7	13	of	of	ADP
issue-771	7	14	financial	financial	ADJ
issue-771	7	15	technologies	technology	NOUN
issue-771	7	16	in	in	ADP
issue-771	7	17	digital	digital	ADJ
issue-771	7	18	banking	banking	NOUN
issue-771	7	19	.	.	PUNCT
issue-771	8	1	the	the	DET
issue-771	8	2	methods	method	NOUN
issue-771	8	3	of	of	ADP
issue-771	8	4	theoretical	theoretical	ADJ
issue-771	8	5	generalization	generalization	NOUN
issue-771	8	6	,	,	PUNCT
issue-771	8	7	qualitative	qualitative	NOUN
issue-771	8	8	,	,	PUNCT
issue-771	8	9	quantitative	quantitative	ADJ
issue-771	8	10	and	and	CCONJ
issue-771	8	11	correlation	correlation	NOUN
issue-771	8	12	analysis	analysis	NOUN
issue-771	8	13	,	,	PUNCT
issue-771	8	14	causality	causality	NOUN
issue-771	8	15	tests	test	NOUN
issue-771	8	16	,	,	PUNCT
issue-771	8	17	description	description	NOUN
issue-771	8	18	and	and	CCONJ
issue-771	8	19	explanation	explanation	NOUN
issue-771	8	20	are	be	AUX
issue-771	8	21	used	use	VERB
issue-771	8	22	,	,	PUNCT
issue-771	8	23	which	which	PRON
issue-771	8	24	made	make	VERB
issue-771	8	25	it	it	PRON
issue-771	8	26	possible	possible	ADJ
issue-771	8	27	to	to	PART
issue-771	8	28	establish	establish	VERB
issue-771	8	29	the	the	DET
issue-771	8	30	relationship	relationship	NOUN
issue-771	8	31	between	between	ADP
issue-771	8	32	the	the	DET
issue-771	8	33	volume	volume	NOUN
issue-771	8	34	of	of	ADP
issue-771	8	35	investments	investment	NOUN
issue-771	8	36	in	in	ADP
issue-771	8	37	financial	financial	ADJ
issue-771	8	38	technologies	technology	NOUN
issue-771	8	39	and	and	CCONJ
issue-771	8	40	the	the	DET
issue-771	8	41	performance	performance	NOUN
issue-771	8	42	of	of	ADP
issue-771	8	43	the	the	DET
issue-771	8	44	banking	banking	NOUN
issue-771	8	45	system	system	NOUN
issue-771	8	46	,	,	PUNCT
issue-771	8	47	identify	identify	VERB
issue-771	8	48	the	the	DET
issue-771	8	49	areas	area	NOUN
issue-771	8	50	of	of	ADP
issue-771	8	51	application	application	NOUN
issue-771	8	52	of	of	ADP
issue-771	8	53	financial	financial	ADJ
issue-771	8	54	technologies	technology	NOUN
issue-771	8	55	in	in	ADP
issue-771	8	56	the	the	DET
issue-771	8	57	activities	activity	NOUN
issue-771	8	58	of	of	ADP
issue-771	8	59	the	the	DET
issue-771	8	60	bank	bank	NOUN
issue-771	8	61	,	,	PUNCT
issue-771	8	62	determine	determine	VERB
issue-771	8	63	the	the	DET
issue-771	8	64	dominant	dominant	ADJ
issue-771	8	65	ideas	idea	NOUN
issue-771	8	66	of	of	ADP
issue-771	8	67	financial	financial	ADJ
issue-771	8	68	technologies	technology	NOUN
issue-771	8	69	in	in	ADP
issue-771	8	70	digital	digital	ADJ
issue-771	8	71	banking	banking	NOUN
issue-771	8	72	and	and	CCONJ
issue-771	8	73	to	to	PART
issue-771	8	74	uncover	uncover	VERB
issue-771	8	75	the	the	DET
issue-771	8	76	factors	factor	NOUN
issue-771	8	77	and	and	CCONJ
issue-771	8	78	prospects	prospect	NOUN
issue-771	8	79	of	of	ADP
issue-771	8	80	intensifying	intensify	VERB
issue-771	8	81	the	the	DET
issue-771	8	82	use	use	NOUN
issue-771	8	83	of	of	ADP
issue-771	8	84	financial	financial	ADJ
issue-771	8	85	technologies	technology	NOUN
issue-771	8	86	in	in	ADP
issue-771	8	87	digital	digital	ADJ
issue-771	8	88	banking	banking	NOUN
issue-771	8	89	in	in	ADP
issue-771	8	90	ukraine	ukraine	PROPN
issue-771	8	91	.	.	PUNCT
issue-771	9	1	results	result	NOUN
issue-771	9	2	of	of	ADP
issue-771	9	3	the	the	DET
issue-771	9	4	research	research	NOUN
issue-771	9	5	are	be	AUX
issue-771	9	6	to	to	PART
issue-771	9	7	substantiate	substantiate	VERB
issue-771	9	8	the	the	DET
issue-771	9	9	impact	impact	NOUN
issue-771	9	10	of	of	ADP
issue-771	9	11	artificial	artificial	ADJ
issue-771	9	12	intelligence	intelligence	NOUN
issue-771	9	13	,	,	PUNCT
issue-771	9	14	biometrics	biometric	NOUN
issue-771	9	15	,	,	PUNCT
issue-771	9	16	cloud	cloud	NOUN
issue-771	9	17	services	service	NOUN
issue-771	9	18	,	,	PUNCT
issue-771	9	19	big	big	ADJ
issue-771	9	20	data	datum	NOUN
issue-771	9	21	,	,	PUNCT
issue-771	9	22	blockchain	blockchain	NOUN
issue-771	9	23	and	and	CCONJ
issue-771	9	24	open	open	ADJ
issue-771	9	25	banking	banking	NOUN
issue-771	9	26	services	service	NOUN
issue-771	9	27	on	on	ADP
issue-771	9	28	digital	digital	ADJ
issue-771	9	29	banking	banking	NOUN
issue-771	9	30	.	.	PUNCT
issue-771	10	1	due	due	ADP
issue-771	10	2	to	to	ADP
issue-771	10	3	financial	financial	ADJ
issue-771	10	4	technologies	technology	NOUN
issue-771	10	5	in	in	ADP
issue-771	10	6	digital	digital	ADJ
issue-771	10	7	banking	banking	NOUN
issue-771	10	8	,	,	PUNCT
issue-771	10	9	it	it	PRON
issue-771	10	10	is	be	AUX
issue-771	10	11	possible	possible	ADJ
issue-771	10	12	to	to	PART
issue-771	10	13	generate	generate	VERB
issue-771	10	14	and	and	CCONJ
issue-771	10	15	store	store	VERB
issue-771	10	16	large	large	ADJ
issue-771	10	17	amounts	amount	NOUN
issue-771	10	18	of	of	ADP
issue-771	10	19	data	datum	NOUN
issue-771	10	20	,	,	PUNCT
issue-771	10	21	simultaneously	simultaneously	ADV
issue-771	10	22	analyze	analyze	VERB
issue-771	10	23	and	and	CCONJ
issue-771	10	24	apply	apply	VERB
issue-771	10	25	the	the	DET
issue-771	10	26	results	result	NOUN
issue-771	10	27	of	of	ADP
issue-771	10	28	their	their	PRON
issue-771	10	29	analysis	analysis	NOUN
issue-771	10	30	,	,	PUNCT
issue-771	10	31	provide	provide	VERB
issue-771	10	32	personalized	personalized	ADJ
issue-771	10	33	banking	banking	NOUN
issue-771	10	34	services	service	NOUN
issue-771	10	35	,	,	PUNCT
issue-771	10	36	perform	perform	VERB
issue-771	10	37	the	the	DET
issue-771	10	38	functions	function	NOUN
issue-771	10	39	of	of	ADP
issue-771	10	40	central	central	ADJ
issue-771	10	41	storage	storage	NOUN
issue-771	10	42	of	of	ADP
issue-771	10	43	information	information	NOUN
issue-771	10	44	about	about	ADP
issue-771	10	45	the	the	DET
issue-771	10	46	client	client	NOUN
issue-771	10	47	of	of	ADP
issue-771	10	48	financial	financial	ADJ
issue-771	10	49	and	and	CCONJ
issue-771	10	50	non	non	ADJ
issue-771	10	51	-	-	ADJ
issue-771	10	52	financial	financial	ADJ
issue-771	10	53	nature	nature	NOUN
issue-771	10	54	,	,	PUNCT
issue-771	10	55	which	which	PRON
issue-771	10	56	facilitates	facilitate	VERB
issue-771	10	57	the	the	DET
issue-771	10	58	effective	effective	ADJ
issue-771	10	59	investment	investment	NOUN
issue-771	10	60	and	and	CCONJ
issue-771	10	61	credit	credit	NOUN
issue-771	10	62	decision	decision	NOUN
issue-771	10	63	-	-	PUNCT
issue-771	10	64	making	making	NOUN
issue-771	10	65	,	,	PUNCT
issue-771	10	66	as	as	ADV
issue-771	10	67	well	well	ADV
issue-771	10	68	as	as	ADP
issue-771	10	69	improving	improve	VERB
issue-771	10	70	the	the	DET
issue-771	10	71	level	level	NOUN
issue-771	10	72	of	of	ADP
issue-771	10	73	information	information	NOUN
issue-771	10	74	security	security	NOUN
issue-771	10	75	of	of	ADP
issue-771	10	76	banking	banking	NOUN
issue-771	10	77	operations	operation	NOUN
issue-771	10	78	.	.	PUNCT
issue-771	11	1	practical	practical	ADJ
issue-771	11	2	implications	implication	NOUN
issue-771	11	3	.	.	PUNCT
issue-771	12	1	financial	financial	ADJ
issue-771	12	2	services	service	NOUN
issue-771	12	3	markets	market	NOUN
issue-771	12	4	are	be	AUX
issue-771	12	5	transformed	transform	VERB
issue-771	12	6	by	by	ADP
issue-771	12	7	the	the	DET
issue-771	12	8	impact	impact	NOUN
issue-771	12	9	of	of	ADP
issue-771	12	10	financial	financial	ADJ
issue-771	12	11	technologies	technology	NOUN
issue-771	12	12	.	.	PUNCT
issue-771	13	1	development	development	NOUN
issue-771	13	2	of	of	ADP
issue-771	13	3	financial	financial	ADJ
issue-771	13	4	technology	technology	NOUN
issue-771	13	5	instruments	instrument	NOUN
issue-771	13	6	by	by	ADP
issue-771	13	7	non	non	ADJ
issue-771	13	8	-	-	ADJ
issue-771	13	9	banking	banking	ADJ
issue-771	13	10	institutions	institution	NOUN
issue-771	13	11	necessitates	necessitate	VERB
issue-771	13	12	the	the	DET
issue-771	13	13	identification	identification	NOUN
issue-771	13	14	of	of	ADP
issue-771	13	15	opportunities	opportunity	NOUN
issue-771	13	16	for	for	ADP
issue-771	13	17	their	their	PRON
issue-771	13	18	use	use	NOUN
issue-771	13	19	in	in	ADP
issue-771	13	20	banks	bank	NOUN
issue-771	13	21	.	.	PUNCT
issue-771	14	1	the	the	DET
issue-771	14	2	set	set	NOUN
issue-771	14	3	of	of	ADP
issue-771	14	4	financial	financial	ADJ
issue-771	14	5	technologies	technology	NOUN
issue-771	14	6	used	use	VERB
issue-771	14	7	by	by	ADP
issue-771	14	8	banks	bank	NOUN
issue-771	14	9	forms	form	VERB
issue-771	14	10	the	the	DET
issue-771	14	11	digital	digital	ADJ
issue-771	14	12	banking	banking	NOUN
issue-771	14	13	system	system	NOUN
issue-771	14	14	,	,	PUNCT
issue-771	14	15	the	the	DET
issue-771	14	16	development	development	NOUN
issue-771	14	17	level	level	NOUN
issue-771	14	18	of	of	ADP
issue-771	14	19	which	which	PRON
issue-771	14	20	is	be	AUX
issue-771	14	21	the	the	DET
issue-771	14	22	main	main	ADJ
issue-771	14	23	competitive	competitive	ADJ
issue-771	14	24	advantage	advantage	NOUN
issue-771	14	25	of	of	ADP
issue-771	14	26	the	the	DET
issue-771	14	27	bank	bank	NOUN
issue-771	14	28	in	in	ADP
issue-771	14	29	the	the	DET
issue-771	14	30	business	business	NOUN
issue-771	14	31	environment	environment	NOUN
issue-771	14	32	.	.	PUNCT
issue-771	15	1	digital	digital	ADJ
issue-771	15	2	banking	banking	NOUN
issue-771	15	3	is	be	AUX
issue-771	15	4	characterized	characterize	VERB
issue-771	15	5	by	by	ADP
issue-771	15	6	the	the	DET
issue-771	15	7	continuity	continuity	NOUN
issue-771	15	8	and	and	CCONJ
issue-771	15	9	security	security	NOUN
issue-771	15	10	of	of	ADP
issue-771	15	11	banking	banking	NOUN
issue-771	15	12	services	service	NOUN
issue-771	15	13	,	,	PUNCT
issue-771	15	14	which	which	PRON
issue-771	15	15	provide	provide	VERB
issue-771	15	16	the	the	DET
issue-771	15	17	consumer	consumer	NOUN
issue-771	15	18	with	with	ADP
issue-771	15	19	the	the	DET
issue-771	15	20	ability	ability	NOUN
issue-771	15	21	to	to	PART
issue-771	15	22	receive	receive	VERB
issue-771	15	23	them	they	PRON
issue-771	15	24	online	online	ADV
issue-771	15	25	anywhere	anywhere	ADV
issue-771	15	26	around	around	ADP
issue-771	15	27	the	the	DET
issue-771	15	28	clock	clock	NOUN
issue-771	15	29	,	,	PUNCT
issue-771	15	30	personalization	personalization	NOUN
issue-771	15	31	of	of	ADP
issue-771	15	32	banking	banking	NOUN
issue-771	15	33	services	service	NOUN
issue-771	15	34	,	,	PUNCT
issue-771	15	35	digital	digital	ADJ
issue-771	15	36	authentication	authentication	NOUN
issue-771	15	37	of	of	ADP
issue-771	15	38	users	user	NOUN
issue-771	15	39	and	and	CCONJ
issue-771	15	40	digitization	digitization	NOUN
issue-771	15	41	of	of	ADP
issue-771	15	42	banking	banking	NOUN
issue-771	15	43	transactions	transaction	NOUN
issue-771	15	44	with	with	ADP
issue-771	15	45	the	the	DET
issue-771	15	46	replacement	replacement	NOUN
issue-771	15	47	of	of	ADP
issue-771	15	48	paperwork	paperwork	NOUN
issue-771	15	49	.	.	PUNCT
issue-771	16	1	the	the	DET
issue-771	16	2	use	use	NOUN
issue-771	16	3	of	of	ADP
issue-771	16	4	financial	financial	ADJ
issue-771	16	5	technologies	technology	NOUN
issue-771	16	6	in	in	ADP
issue-771	16	7	digital	digital	ADJ
issue-771	16	8	banking	banking	NOUN
issue-771	16	9	enables	enable	VERB
issue-771	16	10	to	to	PART
issue-771	16	11	automate	automate	VERB
issue-771	16	12	customer	customer	NOUN
issue-771	16	13	segmentation	segmentation	NOUN
issue-771	16	14	processes	process	NOUN
issue-771	16	15	,	,	PUNCT
issue-771	16	16	reduce	reduce	VERB
issue-771	16	17	costs	cost	NOUN
issue-771	16	18	on	on	ADP
issue-771	16	19	payment	payment	NOUN
issue-771	16	20	transactions	transaction	NOUN
issue-771	16	21	,	,	PUNCT
issue-771	16	22	optimize	optimize	NOUN
issue-771	16	23	accounting	accounting	NOUN
issue-771	16	24	,	,	PUNCT
issue-771	16	25	financial	financial	ADJ
issue-771	16	26	and	and	CCONJ
issue-771	16	27	tax	tax	NOUN
issue-771	16	28	accounting	accounting	NOUN
issue-771	16	29	,	,	PUNCT
issue-771	16	30	improve	improve	VERB
issue-771	16	31	customer	customer	NOUN
issue-771	16	32	service	service	NOUN
issue-771	16	33	and	and	CCONJ
issue-771	16	34	expand	expand	VERB
issue-771	16	35	your	your	PRON
issue-771	16	36	customer	customer	NOUN
issue-771	16	37	base	base	NOUN
issue-771	16	38	while	while	SCONJ
issue-771	16	39	maximizing	maximize	VERB
issue-771	16	40	revenue	revenue	NOUN
issue-771	16	41	in	in	ADP
issue-771	16	42	certain	certain	ADJ
issue-771	16	43	business	business	NOUN
issue-771	16	44	segments	segment	NOUN
issue-771	16	45	.	.	PUNCT
issue-771	17	1	value	value	NOUN
issue-771	17	2	/	/	SYM
issue-771	17	3	originality	originality	NOUN
issue-771	17	4	.	.	PUNCT
issue-771	18	1	the	the	DET
issue-771	18	2	basic	basic	ADJ
issue-771	18	3	spheres	sphere	NOUN
issue-771	18	4	of	of	ADP
issue-771	18	5	the	the	DET
issue-771	18	6	use	use	NOUN
issue-771	18	7	of	of	ADP
issue-771	18	8	financial	financial	ADJ
issue-771	18	9	technologies	technology	NOUN
issue-771	18	10	in	in	ADP
issue-771	18	11	digital	digital	ADJ
issue-771	18	12	banking	banking	NOUN
issue-771	18	13	,	,	PUNCT
issue-771	18	14	as	as	ADV
issue-771	18	15	well	well	ADV
issue-771	18	16	as	as	ADP
issue-771	18	17	the	the	DET
issue-771	18	18	factors	factor	NOUN
issue-771	18	19	and	and	CCONJ
issue-771	18	20	prospects	prospect	NOUN
issue-771	18	21	of	of	ADP
issue-771	18	22	intensifying	intensify	VERB
issue-771	18	23	the	the	DET
issue-771	18	24	use	use	NOUN
issue-771	18	25	of	of	ADP
issue-771	18	26	their	their	PRON
issue-771	18	27	instruments	instrument	NOUN
issue-771	18	28	in	in	ADP
issue-771	18	29	ukraine	ukraine	NOUN
issue-771	18	30	are	be	AUX
issue-771	18	31	revealed	reveal	VERB
issue-771	18	32	.	.	PUNCT
issue-771	19	1	the	the	DET
issue-771	19	2	main	main	ADJ
issue-771	19	3	areas	area	NOUN
issue-771	19	4	of	of	ADP
issue-771	19	5	use	use	NOUN
issue-771	19	6	of	of	ADP
issue-771	19	7	financial	financial	ADJ
issue-771	19	8	technologies	technology	NOUN
issue-771	19	9	in	in	ADP
issue-771	19	10	digital	digital	ADJ
issue-771	19	11	banking	banking	NOUN
issue-771	19	12	are	be	AUX
issue-771	19	13	customer	customer	NOUN
issue-771	19	14	behavior	behavior	NOUN
issue-771	19	15	analysis	analysis	NOUN
issue-771	19	16	,	,	PUNCT
issue-771	19	17	transaction	transaction	NOUN
issue-771	19	18	monitoring	monitoring	NOUN
issue-771	19	19	,	,	PUNCT
issue-771	19	20	customer	customer	NOUN
issue-771	19	21	identification	identification	NOUN
issue-771	19	22	and	and	CCONJ
issue-771	19	23	segmentation	segmentation	NOUN
issue-771	19	24	,	,	PUNCT
issue-771	19	25	fraud	fraud	NOUN
issue-771	19	26	management	management	NOUN
issue-771	19	27	,	,	PUNCT
issue-771	19	28	banking	banking	NOUN
issue-771	19	29	services	service	NOUN
issue-771	19	30	personification	personification	NOUN
issue-771	19	31	,	,	PUNCT
issue-771	19	32	risk	risk	NOUN
issue-771	19	33	assessment	assessment	NOUN
issue-771	19	34	and	and	CCONJ
issue-771	19	35	regulatory	regulatory	ADJ
issue-771	19	36	compliance	compliance	NOUN
issue-771	19	37	,	,	PUNCT
issue-771	19	38	customer	customer	NOUN
issue-771	19	39	response	response	NOUN
issue-771	19	40	analysis	analysis	NOUN
issue-771	19	41	,	,	PUNCT
issue-771	19	42	process	process	NOUN
issue-771	19	43	automation	automation	NOUN
issue-771	19	44	,	,	PUNCT
issue-771	19	45	financial	financial	ADJ
issue-771	19	46	advice	advice	NOUN
issue-771	19	47	,	,	PUNCT
issue-771	19	48	investment	investment	NOUN
issue-771	19	49	decision	decision	NOUN
issue-771	19	50	-	-	PUNCT
issue-771	19	51	making	making	NOUN
issue-771	19	52	,	,	PUNCT
issue-771	19	53	trade	trade	NOUN
issue-771	19	54	facilitation	facilitation	NOUN
issue-771	19	55	,	,	PUNCT
issue-771	19	56	syndicated	syndicate	VERB
issue-771	19	57	loan	loan	NOUN
issue-771	19	58	services	service	NOUN
issue-771	19	59	,	,	PUNCT
issue-771	19	60	and	and	CCONJ
issue-771	19	61	p2p	p2p	NOUN
issue-771	19	62	transfers	transfer	NOUN
issue-771	19	63	.	.	PUNCT
issue-771	20	1	the	the	DET
issue-771	20	2	prospects	prospect	NOUN
issue-771	20	3	for	for	ADP
issue-771	20	4	developing	develop	VERB
issue-771	20	5	financial	financial	ADJ
issue-771	20	6	technology	technology	NOUN
issue-771	20	7	tools	tool	NOUN
issue-771	20	8	in	in	ADP
issue-771	20	9	digital	digital	ADJ
issue-771	20	10	banking	banking	NOUN
issue-771	20	11	include	include	VERB
issue-771	20	12	strengthening	strengthen	VERB
issue-771	20	13	the	the	DET
issue-771	20	14	interaction	interaction	NOUN
issue-771	20	15	between	between	ADP
issue-771	20	16	regulators	regulator	NOUN
issue-771	20	17	,	,	PUNCT
issue-771	20	18	banks	bank	NOUN
issue-771	20	19	and	and	CCONJ
issue-771	20	20	financial	financial	ADJ
issue-771	20	21	technology	technology	NOUN
issue-771	20	22	companies	company	NOUN
issue-771	20	23	,	,	PUNCT
issue-771	20	24	the	the	DET
issue-771	20	25	increased	increase	VERB
issue-771	20	26	use	use	NOUN
issue-771	20	27	of	of	ADP
issue-771	20	28	biometrics	biometric	NOUN
issue-771	20	29	,	,	PUNCT
issue-771	20	30	the	the	DET
issue-771	20	31	development	development	NOUN
issue-771	20	32	of	of	ADP
issue-771	20	33	neo	neo	NOUN
issue-771	20	34	-	-	NOUN
issue-771	20	35	banking	banking	NOUN
issue-771	20	36	and	and	CCONJ
issue-771	20	37	open	open	ADJ
issue-771	20	38	banking	banking	NOUN
issue-771	20	39	services	service	NOUN
issue-771	20	40	.	.	PUNCT
issue-771	21	1	key	key	ADJ
issue-771	21	2	words	word	NOUN
issue-771	21	3	:	:	PUNCT
issue-771	21	4	digital	digital	ADJ
issue-771	21	5	banking	banking	NOUN
issue-771	21	6	,	,	PUNCT
issue-771	21	7	financial	financial	ADJ
issue-771	21	8	technologies	technology	NOUN
issue-771	21	9	,	,	PUNCT
issue-771	21	10	cloud	cloud	NOUN
issue-771	21	11	services	service	NOUN
issue-771	21	12	,	,	PUNCT
issue-771	21	13	blockchain	blockchain	PROPN
issue-771	21	14	,	,	PUNCT
issue-771	21	15	big	big	ADJ
issue-771	21	16	data	datum	NOUN
issue-771	21	17	,	,	PUNCT
issue-771	21	18	artificial	artificial	ADJ
issue-771	21	19	intelligence	intelligence	NOUN
issue-771	21	20	,	,	PUNCT
issue-771	21	21	biometrics	biometric	NOUN
issue-771	21	22	.	.	PUNCT
issue-771	22	1	jel	jel	PROPN
issue-771	22	2	classification	classification	PROPN
issue-771	22	3	:	:	PUNCT
issue-771	22	4	g21	g21	PROPN
issue-771	22	5	,	,	PUNCT
issue-771	22	6	o14	o14	NOUN
issue-771	22	7	,	,	PUNCT
issue-771	22	8	o32	o32	ADJ
issue-771	22	9	,	,	PUNCT
issue-771	22	10	q55	q55	PROPN
issue-771	22	11	baltic	baltic	PROPN
issue-771	22	12	journal	journal	PROPN
issue-771	22	13	of	of	ADP
issue-771	22	14	economic	economic	ADJ
issue-771	22	15	studies	study	NOUN
issue-771	22	16	93	93	NUM
issue-771	22	17	vol	vol	NOUN
issue-771	22	18	.	.	PROPN
issue-771	23	1	6	6	NUM
issue-771	23	2	,	,	PUNCT
issue-771	23	3	no	no	INTJ
issue-771	23	4	.	.	NOUN
issue-771	23	5	1	1	NUM
issue-771	23	6	,	,	PUNCT
issue-771	23	7	2020	2020	NUM
issue-771	23	8	1	1	NUM
issue-771	23	9	.	.	PUNCT
issue-771	24	1	introduction	introduction	NOUN
issue-771	24	2	financial	financial	ADJ
issue-771	24	3	services	service	NOUN
issue-771	24	4	markets	market	NOUN
issue-771	24	5	are	be	AUX
issue-771	24	6	transformed	transform	VERB
issue-771	24	7	by	by	ADP
issue-771	24	8	the	the	DET
issue-771	24	9	impact	impact	NOUN
issue-771	24	10	of	of	ADP
issue-771	24	11	financial	financial	ADJ
issue-771	24	12	technologies	technology	NOUN
issue-771	24	13	.	.	PUNCT
issue-771	25	1	in	in	ADP
issue-771	25	2	recent	recent	ADJ
issue-771	25	3	years	year	NOUN
issue-771	25	4	,	,	PUNCT
issue-771	25	5	there	there	PRON
issue-771	25	6	has	have	AUX
issue-771	25	7	been	be	AUX
issue-771	25	8	a	a	DET
issue-771	25	9	situation	situation	NOUN
issue-771	25	10	in	in	ADP
issue-771	25	11	the	the	DET
issue-771	25	12	european	european	ADJ
issue-771	25	13	countries	country	NOUN
issue-771	25	14	where	where	SCONJ
issue-771	25	15	financial	financial	ADJ
issue-771	25	16	institutions	institution	NOUN
issue-771	25	17	are	be	AUX
issue-771	25	18	empowering	empower	VERB
issue-771	25	19	consumers	consumer	NOUN
issue-771	25	20	to	to	PART
issue-771	25	21	access	access	VERB
issue-771	25	22	cheaper	cheap	ADJ
issue-771	25	23	products	product	NOUN
issue-771	25	24	,	,	PUNCT
issue-771	25	25	lowering	lower	VERB
issue-771	25	26	fees	fee	NOUN
issue-771	25	27	for	for	ADP
issue-771	25	28	intermediaries	intermediary	NOUN
issue-771	25	29	,	,	PUNCT
issue-771	25	30	which	which	PRON
issue-771	25	31	increases	increase	VERB
issue-771	25	32	competition	competition	NOUN
issue-771	25	33	between	between	ADP
issue-771	25	34	them	they	PRON
issue-771	25	35	.	.	PUNCT
issue-771	26	1	the	the	DET
issue-771	26	2	result	result	NOUN
issue-771	26	3	of	of	ADP
issue-771	26	4	competition	competition	NOUN
issue-771	26	5	in	in	ADP
issue-771	26	6	the	the	DET
issue-771	26	7	banking	banking	NOUN
issue-771	26	8	sector	sector	NOUN
issue-771	26	9	is	be	AUX
issue-771	26	10	the	the	DET
issue-771	26	11	formation	formation	NOUN
issue-771	26	12	of	of	ADP
issue-771	26	13	conditions	condition	NOUN
issue-771	26	14	under	under	ADP
issue-771	26	15	which	which	PRON
issue-771	26	16	in	in	ADP
issue-771	26	17	some	some	DET
issue-771	26	18	countries	country	NOUN
issue-771	26	19	deposit	deposit	VERB
issue-771	26	20	interest	interest	NOUN
issue-771	26	21	rates	rate	NOUN
issue-771	26	22	have	have	AUX
issue-771	26	23	acquired	acquire	VERB
issue-771	26	24	negative	negative	ADJ
issue-771	26	25	values	value	NOUN
issue-771	26	26	in	in	ADP
issue-771	26	27	the	the	DET
issue-771	26	28	currencies	currency	NOUN
issue-771	26	29	of	of	ADP
issue-771	26	30	euro	euro	PROPN
issue-771	26	31	,	,	PUNCT
issue-771	26	32	swiss	swiss	ADJ
issue-771	26	33	franc	franc	NOUN
issue-771	26	34	,	,	PUNCT
issue-771	26	35	japanese	japanese	ADJ
issue-771	26	36	yen	yen	NOUN
issue-771	26	37	,	,	PUNCT
issue-771	26	38	etc	etc	X
issue-771	26	39	.	.	X
issue-771	27	1	these	these	DET
issue-771	27	2	effects	effect	NOUN
issue-771	27	3	lead	lead	VERB
issue-771	27	4	to	to	ADP
issue-771	27	5	a	a	DET
issue-771	27	6	decrease	decrease	NOUN
issue-771	27	7	in	in	ADP
issue-771	27	8	profitability	profitability	NOUN
issue-771	27	9	of	of	ADP
issue-771	27	10	banking	banking	NOUN
issue-771	27	11	institutions	institution	NOUN
issue-771	27	12	,	,	PUNCT
issue-771	27	13	decreases	decrease	VERB
issue-771	27	14	the	the	DET
issue-771	27	15	margin	margin	NOUN
issue-771	27	16	between	between	ADP
issue-771	27	17	interest	interest	NOUN
issue-771	27	18	rates	rate	NOUN
issue-771	27	19	on	on	ADP
issue-771	27	20	credit	credit	NOUN
issue-771	27	21	and	and	CCONJ
issue-771	27	22	deposit	deposit	NOUN
issue-771	27	23	products	product	NOUN
issue-771	27	24	,	,	PUNCT
issue-771	27	25	business	business	NOUN
issue-771	27	26	and	and	CCONJ
issue-771	27	27	households	household	NOUN
issue-771	27	28	saving	save	VERB
issue-771	27	29	more	more	ADJ
issue-771	27	30	funds	fund	NOUN
issue-771	27	31	directs	direct	VERB
issue-771	27	32	to	to	ADP
issue-771	27	33	consumption	consumption	NOUN
issue-771	27	34	.	.	PUNCT
issue-771	28	1	to	to	PART
issue-771	28	2	maintain	maintain	VERB
issue-771	28	3	market	market	NOUN
issue-771	28	4	positions	position	NOUN
issue-771	28	5	,	,	PUNCT
issue-771	28	6	banks	bank	NOUN
issue-771	28	7	develop	develop	VERB
issue-771	28	8	collaborations	collaboration	NOUN
issue-771	28	9	with	with	ADP
issue-771	28	10	non	non	ADJ
issue-771	28	11	-	-	ADJ
issue-771	28	12	banking	banking	ADJ
issue-771	28	13	institutions	institution	NOUN
issue-771	28	14	to	to	PART
issue-771	28	15	develop	develop	VERB
issue-771	28	16	financial	financial	ADJ
issue-771	28	17	technology	technology	NOUN
issue-771	28	18	tools	tool	NOUN
issue-771	28	19	that	that	PRON
issue-771	28	20	can	can	AUX
issue-771	28	21	optimize	optimize	VERB
issue-771	28	22	individual	individual	ADJ
issue-771	28	23	business	business	NOUN
issue-771	28	24	processes	process	NOUN
issue-771	28	25	and	and	CCONJ
issue-771	28	26	help	help	VERB
issue-771	28	27	to	to	PART
issue-771	28	28	improve	improve	VERB
issue-771	28	29	customer	customer	NOUN
issue-771	28	30	service	service	NOUN
issue-771	28	31	.	.	PUNCT
issue-771	29	1	as	as	ADP
issue-771	29	2	a	a	DET
issue-771	29	3	result	result	NOUN
issue-771	29	4	,	,	PUNCT
issue-771	29	5	there	there	PRON
issue-771	29	6	is	be	VERB
issue-771	29	7	a	a	DET
issue-771	29	8	need	need	NOUN
issue-771	29	9	to	to	PART
issue-771	29	10	substantiate	substantiate	VERB
issue-771	29	11	the	the	DET
issue-771	29	12	impact	impact	NOUN
issue-771	29	13	of	of	ADP
issue-771	29	14	dominant	dominant	ADJ
issue-771	29	15	ideas	idea	NOUN
issue-771	29	16	of	of	ADP
issue-771	29	17	financial	financial	ADJ
issue-771	29	18	technologies	technology	NOUN
issue-771	29	19	on	on	ADP
issue-771	29	20	the	the	DET
issue-771	29	21	activities	activity	NOUN
issue-771	29	22	of	of	ADP
issue-771	29	23	banks	bank	NOUN
issue-771	29	24	,	,	PUNCT
issue-771	29	25	in	in	ADP
issue-771	29	26	particular	particular	ADJ
issue-771	29	27	,	,	PUNCT
issue-771	29	28	digital	digital	ADJ
issue-771	29	29	banking	banking	NOUN
issue-771	29	30	.	.	PUNCT
issue-771	30	1	the	the	DET
issue-771	30	2	purpose	purpose	NOUN
issue-771	30	3	of	of	ADP
issue-771	30	4	the	the	DET
issue-771	30	5	research	research	NOUN
issue-771	30	6	is	be	AUX
issue-771	30	7	the	the	DET
issue-771	30	8	definition	definition	NOUN
issue-771	30	9	of	of	ADP
issue-771	30	10	the	the	DET
issue-771	30	11	dominant	dominant	ADJ
issue-771	30	12	ideas	idea	NOUN
issue-771	30	13	of	of	ADP
issue-771	30	14	financial	financial	ADJ
issue-771	30	15	technologies	technology	NOUN
issue-771	30	16	in	in	ADP
issue-771	30	17	digital	digital	ADJ
issue-771	30	18	banking	banking	NOUN
issue-771	30	19	.	.	PUNCT
issue-771	31	1	based	base	VERB
issue-771	31	2	on	on	ADP
issue-771	31	3	the	the	DET
issue-771	31	4	stated	stated	ADJ
issue-771	31	5	purpose	purpose	NOUN
issue-771	31	6	,	,	PUNCT
issue-771	31	7	the	the	DET
issue-771	31	8	following	follow	VERB
issue-771	31	9	research	research	NOUN
issue-771	31	10	objectives	objective	NOUN
issue-771	31	11	are	be	AUX
issue-771	31	12	solved	solve	VERB
issue-771	31	13	in	in	ADP
issue-771	31	14	the	the	DET
issue-771	31	15	article	article	NOUN
issue-771	31	16	:	:	PUNCT
issue-771	31	17	–	–	PUNCT
issue-771	31	18	to	to	PART
issue-771	31	19	establish	establish	VERB
issue-771	31	20	the	the	DET
issue-771	31	21	relationship	relationship	NOUN
issue-771	31	22	between	between	ADP
issue-771	31	23	the	the	DET
issue-771	31	24	volume	volume	NOUN
issue-771	31	25	of	of	ADP
issue-771	31	26	investments	investment	NOUN
issue-771	31	27	in	in	ADP
issue-771	31	28	financial	financial	ADJ
issue-771	31	29	technologies	technology	NOUN
issue-771	31	30	and	and	CCONJ
issue-771	31	31	the	the	DET
issue-771	31	32	performance	performance	NOUN
issue-771	31	33	rates	rate	NOUN
issue-771	31	34	of	of	ADP
issue-771	31	35	the	the	DET
issue-771	31	36	banking	banking	NOUN
issue-771	31	37	system	system	NOUN
issue-771	31	38	;	;	PUNCT
issue-771	31	39	–	–	PUNCT
issue-771	31	40	to	to	PART
issue-771	31	41	identify	identify	VERB
issue-771	31	42	areas	area	NOUN
issue-771	31	43	of	of	ADP
issue-771	31	44	application	application	NOUN
issue-771	31	45	of	of	ADP
issue-771	31	46	financial	financial	ADJ
issue-771	31	47	technologies	technology	NOUN
issue-771	31	48	in	in	ADP
issue-771	31	49	the	the	DET
issue-771	31	50	bank	bank	NOUN
issue-771	31	51	's	's	PART
issue-771	31	52	activities	activity	NOUN
issue-771	31	53	;	;	PUNCT
issue-771	31	54	–	–	PUNCT
issue-771	31	55	to	to	PART
issue-771	31	56	identify	identify	VERB
issue-771	31	57	dominant	dominant	ADJ
issue-771	31	58	ideas	idea	NOUN
issue-771	31	59	of	of	ADP
issue-771	31	60	financial	financial	ADJ
issue-771	31	61	technologies	technology	NOUN
issue-771	31	62	in	in	ADP
issue-771	31	63	digital	digital	ADJ
issue-771	31	64	banking	banking	NOUN
issue-771	31	65	and	and	CCONJ
issue-771	31	66	substantiate	substantiate	VERB
issue-771	31	67	their	their	PRON
issue-771	31	68	feasibility	feasibility	NOUN
issue-771	31	69	;	;	PUNCT
issue-771	31	70	–	–	PUNCT
issue-771	31	71	to	to	PART
issue-771	31	72	reveal	reveal	VERB
issue-771	31	73	the	the	DET
issue-771	31	74	factors	factor	NOUN
issue-771	31	75	and	and	CCONJ
issue-771	31	76	prospects	prospect	NOUN
issue-771	31	77	of	of	ADP
issue-771	31	78	intensifying	intensify	VERB
issue-771	31	79	the	the	DET
issue-771	31	80	use	use	NOUN
issue-771	31	81	of	of	ADP
issue-771	31	82	financial	financial	ADJ
issue-771	31	83	technologies	technology	NOUN
issue-771	31	84	in	in	ADP
issue-771	31	85	digital	digital	ADJ
issue-771	31	86	banking	banking	NOUN
issue-771	31	87	in	in	ADP
issue-771	31	88	ukraine	ukraine	PROPN
issue-771	31	89	.	.	PUNCT
issue-771	32	1	the	the	DET
issue-771	32	2	works	work	NOUN
issue-771	32	3	of	of	ADP
issue-771	32	4	scientists	scientist	NOUN
issue-771	32	5	and	and	CCONJ
issue-771	32	6	practitioners	practitioner	NOUN
issue-771	32	7	,	,	PUNCT
issue-771	32	8	published	publish	VERB
issue-771	32	9	in	in	ADP
issue-771	32	10	ukraine	ukraine	NOUN
issue-771	32	11	and	and	CCONJ
issue-771	32	12	abroad	abroad	ADV
issue-771	32	13	,	,	PUNCT
issue-771	32	14	became	become	VERB
issue-771	32	15	the	the	DET
issue-771	32	16	scientific	scientific	ADJ
issue-771	32	17	base	base	NOUN
issue-771	32	18	of	of	ADP
issue-771	32	19	the	the	DET
issue-771	32	20	research	research	NOUN
issue-771	32	21	.	.	PUNCT
issue-771	33	1	the	the	DET
issue-771	33	2	research	research	NOUN
issue-771	33	3	was	be	AUX
issue-771	33	4	conducted	conduct	VERB
issue-771	33	5	using	use	VERB
issue-771	33	6	the	the	DET
issue-771	33	7	methods	method	NOUN
issue-771	33	8	of	of	ADP
issue-771	33	9	theoretical	theoretical	ADJ
issue-771	33	10	generalization	generalization	NOUN
issue-771	33	11	,	,	PUNCT
issue-771	33	12	qualitative	qualitative	NOUN
issue-771	33	13	,	,	PUNCT
issue-771	33	14	quantitative	quantitative	ADJ
issue-771	33	15	and	and	CCONJ
issue-771	33	16	correlation	correlation	NOUN
issue-771	33	17	analysis	analysis	NOUN
issue-771	33	18	,	,	PUNCT
issue-771	33	19	causality	causality	NOUN
issue-771	33	20	tests	test	NOUN
issue-771	33	21	,	,	PUNCT
issue-771	33	22	description	description	NOUN
issue-771	33	23	and	and	CCONJ
issue-771	33	24	explanation	explanation	NOUN
issue-771	33	25	.	.	PUNCT
issue-771	34	1	to	to	PART
issue-771	34	2	identify	identify	VERB
issue-771	34	3	the	the	DET
issue-771	34	4	impact	impact	NOUN
issue-771	34	5	of	of	ADP
issue-771	34	6	financial	financial	ADJ
issue-771	34	7	technology	technology	NOUN
issue-771	34	8	investments	investment	NOUN
issue-771	34	9	on	on	ADP
issue-771	34	10	the	the	DET
issue-771	34	11	volume	volume	NOUN
issue-771	34	12	of	of	ADP
issue-771	34	13	bank	bank	NOUN
issue-771	34	14	loans	loan	NOUN
issue-771	34	15	and	and	CCONJ
issue-771	34	16	deposits	deposit	NOUN
issue-771	34	17	in	in	ADP
issue-771	34	18	the	the	DET
issue-771	34	19	european	european	PROPN
issue-771	34	20	union	union	PROPN
issue-771	34	21	countries	country	NOUN
issue-771	34	22	,	,	PUNCT
issue-771	34	23	the	the	DET
issue-771	34	24	materials	material	NOUN
issue-771	34	25	of	of	ADP
issue-771	34	26	the	the	DET
issue-771	34	27	european	european	ADJ
issue-771	34	28	statistical	statistical	ADJ
issue-771	34	29	office	office	NOUN
issue-771	34	30	and	and	CCONJ
issue-771	34	31	the	the	DET
issue-771	34	32	auditing	auditing	NOUN
issue-771	34	33	company	company	NOUN
issue-771	34	34	kpmg	kpmg	PROPN
issue-771	34	35	international	international	PROPN
issue-771	34	36	were	be	AUX
issue-771	34	37	used	use	VERB
issue-771	34	38	.	.	PUNCT
issue-771	35	1	2	2	X
issue-771	35	2	.	.	X
issue-771	35	3	literature	literature	NOUN
issue-771	35	4	review	review	NOUN
issue-771	35	5	on	on	ADP
issue-771	35	6	the	the	DET
issue-771	35	7	definition	definition	NOUN
issue-771	35	8	of	of	ADP
issue-771	35	9	the	the	DET
issue-771	35	10	essence	essence	NOUN
issue-771	35	11	of	of	ADP
issue-771	35	12	digital	digital	ADJ
issue-771	35	13	banking	banking	NOUN
issue-771	35	14	in	in	ADP
issue-771	35	15	the	the	DET
issue-771	35	16	conditions	condition	NOUN
issue-771	35	17	of	of	ADP
issue-771	35	18	development	development	NOUN
issue-771	35	19	of	of	ADP
issue-771	35	20	financial	financial	ADJ
issue-771	35	21	technologies	technology	NOUN
issue-771	35	22	financial	financial	ADJ
issue-771	35	23	systems	system	NOUN
issue-771	35	24	undergo	undergo	VERB
issue-771	35	25	transformational	transformational	ADJ
issue-771	35	26	changes	change	NOUN
issue-771	35	27	,	,	PUNCT
issue-771	35	28	which	which	PRON
issue-771	35	29	are	be	AUX
issue-771	35	30	a	a	DET
issue-771	35	31	characteristic	characteristic	ADJ
issue-771	35	32	feature	feature	NOUN
issue-771	35	33	of	of	ADP
issue-771	35	34	the	the	DET
issue-771	35	35	economic	economic	ADJ
issue-771	35	36	systems	system	NOUN
issue-771	35	37	of	of	ADP
issue-771	35	38	many	many	ADJ
issue-771	35	39	developed	develop	VERB
issue-771	35	40	countries	country	NOUN
issue-771	35	41	(	(	PUNCT
issue-771	35	42	mazaraki	mazaraki	ADV
issue-771	35	43	,	,	PUNCT
issue-771	35	44	2018	2018	NUM
issue-771	35	45	)	)	PUNCT
issue-771	35	46	.	.	PUNCT
issue-771	36	1	as	as	SCONJ
issue-771	36	2	melnyk	melnyk	ADJ
issue-771	36	3	t.	t.	NOUN
issue-771	36	4	(	(	PUNCT
issue-771	36	5	2019	2019	NUM
issue-771	36	6	)	)	PUNCT
issue-771	36	7	points	point	VERB
issue-771	36	8	out	out	ADP
issue-771	36	9	,	,	PUNCT
issue-771	36	10	significant	significant	ADJ
issue-771	36	11	transformations	transformation	NOUN
issue-771	36	12	of	of	ADP
issue-771	36	13	the	the	DET
issue-771	36	14	structure	structure	NOUN
issue-771	36	15	of	of	ADP
issue-771	36	16	the	the	DET
issue-771	36	17	financial	financial	ADJ
issue-771	36	18	system	system	NOUN
issue-771	36	19	are	be	AUX
issue-771	36	20	caused	cause	VERB
issue-771	36	21	both	both	PRON
issue-771	36	22	by	by	ADP
issue-771	36	23	the	the	DET
issue-771	36	24	invention	invention	NOUN
issue-771	36	25	of	of	ADP
issue-771	36	26	new	new	ADJ
issue-771	36	27	financial	financial	ADJ
issue-771	36	28	instruments	instrument	NOUN
issue-771	36	29	and	and	CCONJ
issue-771	36	30	the	the	DET
issue-771	36	31	gradual	gradual	ADJ
issue-771	36	32	process	process	NOUN
issue-771	36	33	of	of	ADP
issue-771	36	34	universalisation	universalisation	NOUN
issue-771	36	35	of	of	ADP
issue-771	36	36	banking	banking	NOUN
issue-771	36	37	activities	activity	NOUN
issue-771	36	38	.	.	PUNCT
issue-771	37	1	the	the	DET
issue-771	37	2	reliability	reliability	NOUN
issue-771	37	3	,	,	PUNCT
issue-771	37	4	financial	financial	ADJ
issue-771	37	5	firmness	firmness	NOUN
issue-771	37	6	,	,	PUNCT
issue-771	37	7	efficiency	efficiency	NOUN
issue-771	37	8	of	of	ADP
issue-771	37	9	the	the	DET
issue-771	37	10	bank	bank	NOUN
issue-771	37	11	's	's	PART
issue-771	37	12	operation	operation	NOUN
issue-771	37	13	and	and	CCONJ
issue-771	37	14	its	its	PRON
issue-771	37	15	competitiveness	competitiveness	NOUN
issue-771	37	16	in	in	ADP
issue-771	37	17	the	the	DET
issue-771	37	18	market	market	NOUN
issue-771	37	19	depend	depend	VERB
issue-771	37	20	on	on	ADP
issue-771	37	21	the	the	DET
issue-771	37	22	introduction	introduction	NOUN
issue-771	37	23	of	of	ADP
issue-771	37	24	innovative	innovative	ADJ
issue-771	37	25	banking	banking	NOUN
issue-771	37	26	products	product	NOUN
issue-771	37	27	and	and	CCONJ
issue-771	37	28	technologies	technology	NOUN
issue-771	37	29	that	that	PRON
issue-771	37	30	can	can	AUX
issue-771	37	31	be	be	AUX
issue-771	37	32	an	an	DET
issue-771	37	33	impetus	impetus	NOUN
issue-771	37	34	in	in	ADP
issue-771	37	35	the	the	DET
issue-771	37	36	further	further	ADJ
issue-771	37	37	development	development	NOUN
issue-771	37	38	of	of	ADP
issue-771	37	39	the	the	DET
issue-771	37	40	banking	banking	NOUN
issue-771	37	41	system	system	NOUN
issue-771	37	42	as	as	ADP
issue-771	37	43	a	a	DET
issue-771	37	44	whole	whole	ADJ
issue-771	37	45	(	(	PUNCT
issue-771	37	46	rysin	rysin	NOUN
issue-771	37	47	,	,	PUNCT
issue-771	37	48	fediuk	fediuk	NOUN
issue-771	37	49	,	,	PUNCT
issue-771	37	50	2017	2017	NUM
issue-771	37	51	)	)	PUNCT
issue-771	37	52	.	.	PUNCT
issue-771	38	1	in	in	ADP
issue-771	38	2	the	the	DET
issue-771	38	3	context	context	NOUN
issue-771	38	4	of	of	ADP
issue-771	38	5	the	the	DET
issue-771	38	6	transformation	transformation	NOUN
issue-771	38	7	of	of	ADP
issue-771	38	8	the	the	DET
issue-771	38	9	domestic	domestic	ADJ
issue-771	38	10	economy	economy	NOUN
issue-771	38	11	towards	towards	ADP
issue-771	38	12	the	the	DET
issue-771	38	13	transformation	transformation	NOUN
issue-771	38	14	of	of	ADP
issue-771	38	15	consumer	consumer	NOUN
issue-771	38	16	preferences	preference	NOUN
issue-771	38	17	and	and	CCONJ
issue-771	38	18	technological	technological	ADJ
issue-771	38	19	solutions	solution	NOUN
issue-771	38	20	(	(	PUNCT
issue-771	38	21	mazaraki	mazaraki	ADV
issue-771	38	22	,	,	PUNCT
issue-771	38	23	kasianova	kasianova	PROPN
issue-771	38	24	,	,	PUNCT
issue-771	38	25	2015	2015	NUM
issue-771	38	26	;	;	PUNCT
issue-771	38	27	baranovskyi	baranovskyi	VERB
issue-771	38	28	,	,	PUNCT
issue-771	38	29	2018	2018	NUM
issue-771	38	30	)	)	PUNCT
issue-771	38	31	,	,	PUNCT
issue-771	38	32	banking	banking	NOUN
issue-771	38	33	institutions	institution	NOUN
issue-771	38	34	are	be	AUX
issue-771	38	35	influenced	influence	VERB
issue-771	38	36	by	by	ADP
issue-771	38	37	their	their	PRON
issue-771	38	38	activities	activity	NOUN
issue-771	38	39	such	such	ADJ
issue-771	38	40	as	as	ADP
issue-771	38	41	increasing	increase	VERB
issue-771	38	42	the	the	DET
issue-771	38	43	need	need	NOUN
issue-771	38	44	to	to	PART
issue-771	38	45	take	take	VERB
issue-771	38	46	into	into	ADP
issue-771	38	47	account	account	NOUN
issue-771	38	48	the	the	DET
issue-771	38	49	dynamic	dynamic	ADJ
issue-771	38	50	needs	need	NOUN
issue-771	38	51	of	of	ADP
issue-771	38	52	consumers	consumer	NOUN
issue-771	38	53	,	,	PUNCT
issue-771	38	54	increasing	increase	VERB
issue-771	38	55	the	the	DET
issue-771	38	56	cost	cost	NOUN
issue-771	38	57	of	of	ADP
issue-771	38	58	financial	financial	ADJ
issue-771	38	59	technology	technology	NOUN
issue-771	38	60	products	product	NOUN
issue-771	38	61	,	,	PUNCT
issue-771	38	62	increased	increase	VERB
issue-771	38	63	competition	competition	NOUN
issue-771	38	64	from	from	ADP
issue-771	38	65	a	a	DET
issue-771	38	66	growing	grow	VERB
issue-771	38	67	number	number	NOUN
issue-771	38	68	of	of	ADP
issue-771	38	69	non	non	ADJ
issue-771	38	70	-	-	ADJ
issue-771	38	71	traditional	traditional	ADJ
issue-771	38	72	banking	banking	NOUN
issue-771	38	73	service	service	NOUN
issue-771	38	74	providers	provider	NOUN
issue-771	38	75	,	,	PUNCT
issue-771	38	76	and	and	CCONJ
issue-771	38	77	increased	increase	VERB
issue-771	38	78	demands	demand	NOUN
issue-771	38	79	from	from	ADP
issue-771	38	80	central	central	ADJ
issue-771	38	81	banks	bank	NOUN
issue-771	38	82	(	(	PUNCT
issue-771	38	83	mnykh	mnykh	PROPN
issue-771	38	84	,	,	PUNCT
issue-771	38	85	bardash	bardash	NOUN
issue-771	38	86	,	,	PUNCT
issue-771	38	87	shevchuk	shevchuk	NOUN
issue-771	38	88	,	,	PUNCT
issue-771	38	89	2011	2011	NUM
issue-771	38	90	)	)	PUNCT
issue-771	38	91	.	.	PUNCT
issue-771	39	1	back	back	ADV
issue-771	39	2	in	in	ADP
issue-771	39	3	2015	2015	NUM
issue-771	39	4	,	,	PUNCT
issue-771	39	5	a.	a.	PROPN
issue-771	39	6	jenkins	jenkins	PROPN
issue-771	39	7	,	,	PUNCT
issue-771	39	8	ceo	ceo	NOUN
issue-771	39	9	of	of	ADP
issue-771	39	10	barclays	barclay	NOUN
issue-771	39	11	,	,	PUNCT
issue-771	39	12	one	one	NUM
issue-771	39	13	of	of	ADP
issue-771	39	14	the	the	DET
issue-771	39	15	uk	uk	PROPN
issue-771	39	16	's	's	PART
issue-771	39	17	largest	large	ADJ
issue-771	39	18	banks	bank	NOUN
issue-771	39	19	,	,	PUNCT
issue-771	39	20	suggested	suggest	VERB
issue-771	39	21	that	that	SCONJ
issue-771	39	22	the	the	DET
issue-771	39	23	introduction	introduction	NOUN
issue-771	39	24	of	of	ADP
issue-771	39	25	financial	financial	ADJ
issue-771	39	26	technology	technology	NOUN
issue-771	39	27	into	into	ADP
issue-771	39	28	the	the	DET
issue-771	39	29	banking	banking	NOUN
issue-771	39	30	service	service	NOUN
issue-771	39	31	delivery	delivery	NOUN
issue-771	39	32	process	process	NOUN
issue-771	39	33	could	could	AUX
issue-771	39	34	cut	cut	VERB
issue-771	39	35	half	half	DET
issue-771	39	36	the	the	DET
issue-771	39	37	staff	staff	NOUN
issue-771	39	38	of	of	ADP
issue-771	39	39	large	large	ADJ
issue-771	39	40	banks	bank	NOUN
issue-771	39	41	,	,	PUNCT
issue-771	39	42	which	which	PRON
issue-771	39	43	is	be	AUX
issue-771	39	44	necessary	necessary	ADJ
issue-771	39	45	because	because	SCONJ
issue-771	39	46	of	of	ADP
issue-771	39	47	the	the	DET
issue-771	39	48	decline	decline	NOUN
issue-771	39	49	in	in	ADP
issue-771	39	50	banking	banking	NOUN
issue-771	39	51	profitability	profitability	NOUN
issue-771	39	52	in	in	ADP
issue-771	39	53	individual	individual	ADJ
issue-771	39	54	regions	region	NOUN
issue-771	39	55	(	(	PUNCT
issue-771	39	56	williams	williams	PROPN
issue-771	39	57	-	-	PUNCT
issue-771	39	58	grut	grut	PROPN
issue-771	39	59	,	,	PUNCT
issue-771	39	60	2015	2015	NUM
issue-771	39	61	)	)	PUNCT
issue-771	39	62	.	.	PUNCT
issue-771	40	1	it	it	PRON
issue-771	40	2	follows	follow	VERB
issue-771	40	3	that	that	SCONJ
issue-771	40	4	the	the	DET
issue-771	40	5	use	use	NOUN
issue-771	40	6	of	of	ADP
issue-771	40	7	financial	financial	ADJ
issue-771	40	8	technologies	technology	NOUN
issue-771	40	9	in	in	ADP
issue-771	40	10	the	the	DET
issue-771	40	11	banking	banking	NOUN
issue-771	40	12	sector	sector	NOUN
issue-771	40	13	is	be	AUX
issue-771	40	14	now	now	ADV
issue-771	40	15	a	a	DET
issue-771	40	16	necessary	necessary	ADJ
issue-771	40	17	component	component	NOUN
issue-771	40	18	of	of	ADP
issue-771	40	19	the	the	DET
issue-771	40	20	banking	banking	NOUN
issue-771	40	21	institution	institution	NOUN
issue-771	40	22	's	's	PART
issue-771	40	23	ability	ability	NOUN
issue-771	40	24	to	to	PART
issue-771	40	25	survive	survive	VERB
issue-771	40	26	in	in	ADP
issue-771	40	27	the	the	DET
issue-771	40	28	market	market	NOUN
issue-771	40	29	.	.	PUNCT
issue-771	41	1	the	the	DET
issue-771	41	2	set	set	NOUN
issue-771	41	3	of	of	ADP
issue-771	41	4	financial	financial	ADJ
issue-771	41	5	technologies	technology	NOUN
issue-771	41	6	that	that	PRON
issue-771	41	7	are	be	AUX
issue-771	41	8	implemented	implement	VERB
issue-771	41	9	in	in	ADP
issue-771	41	10	the	the	DET
issue-771	41	11	activities	activity	NOUN
issue-771	41	12	of	of	ADP
issue-771	41	13	the	the	DET
issue-771	41	14	bank	bank	NOUN
issue-771	41	15	,	,	PUNCT
issue-771	41	16	constitute	constitute	VERB
issue-771	41	17	a	a	DET
issue-771	41	18	certain	certain	ADJ
issue-771	41	19	technological	technological	ADJ
issue-771	41	20	system	system	NOUN
issue-771	41	21	,	,	PUNCT
issue-771	41	22	which	which	PRON
issue-771	41	23	means	mean	VERB
issue-771	41	24	digital	digital	ADJ
issue-771	41	25	banking	banking	NOUN
issue-771	41	26	.	.	PUNCT
issue-771	42	1	digital	digital	ADJ
issue-771	42	2	banking	banking	NOUN
issue-771	42	3	is	be	AUX
issue-771	42	4	a	a	DET
issue-771	42	5	new	new	ADJ
issue-771	42	6	paradigm	paradigm	NOUN
issue-771	42	7	of	of	ADP
issue-771	42	8	customer	customer	NOUN
issue-771	42	9	-	-	PUNCT
issue-771	42	10	bank	bank	NOUN
issue-771	42	11	interaction	interaction	NOUN
issue-771	42	12	as	as	SCONJ
issue-771	42	13	it	it	PRON
issue-771	42	14	is	be	AUX
issue-771	42	15	a	a	DET
issue-771	42	16	field	field	NOUN
issue-771	42	17	that	that	PRON
issue-771	42	18	embraces	embrace	VERB
issue-771	42	19	innovation	innovation	NOUN
issue-771	42	20	in	in	ADP
issue-771	42	21	financial	financial	ADJ
issue-771	42	22	services	service	NOUN
issue-771	42	23	for	for	ADP
issue-771	42	24	it	it	PRON
issue-771	42	25	customers	customer	NOUN
issue-771	42	26	in	in	ADP
issue-771	42	27	the	the	DET
issue-771	42	28	area	area	NOUN
issue-771	42	29	of	of	ADP
issue-771	42	30	information	information	NOUN
issue-771	42	31	and	and	CCONJ
issue-771	42	32	technology	technology	NOUN
issue-771	42	33	solutions	solution	NOUN
issue-771	42	34	(	(	PUNCT
issue-771	42	35	hontar	hontar	NOUN
issue-771	42	36	,	,	PUNCT
issue-771	42	37	2017	2017	NUM
issue-771	42	38	)	)	PUNCT
issue-771	42	39	.	.	PUNCT
issue-771	43	1	at	at	ADP
issue-771	43	2	the	the	DET
issue-771	43	3	same	same	ADJ
issue-771	43	4	time	time	NOUN
issue-771	43	5	,	,	PUNCT
issue-771	43	6	it	it	PRON
issue-771	43	7	is	be	AUX
issue-771	43	8	believed	believe	VERB
issue-771	43	9	that	that	SCONJ
issue-771	43	10	digital	digital	ADJ
issue-771	43	11	banking	banking	NOUN
issue-771	43	12	is	be	AUX
issue-771	43	13	broader	broad	ADJ
issue-771	43	14	than	than	ADP
issue-771	43	15	the	the	DET
issue-771	43	16	activity	activity	NOUN
issue-771	43	17	of	of	ADP
issue-771	43	18	an	an	DET
issue-771	43	19	online	online	ADJ
issue-771	43	20	platform	platform	NOUN
issue-771	43	21	or	or	CCONJ
issue-771	43	22	mobile	mobile	ADJ
issue-771	43	23	banking	banking	NOUN
issue-771	43	24	,	,	PUNCT
issue-771	43	25	as	as	SCONJ
issue-771	43	26	it	it	PRON
issue-771	43	27	relates	relate	VERB
issue-771	43	28	to	to	ADP
issue-771	43	29	the	the	DET
issue-771	43	30	automation	automation	NOUN
issue-771	43	31	of	of	ADP
issue-771	43	32	every	every	DET
issue-771	43	33	stage	stage	NOUN
issue-771	43	34	of	of	ADP
issue-771	43	35	a	a	DET
issue-771	43	36	bank	bank	NOUN
issue-771	43	37	's	's	PART
issue-771	43	38	relationship	relationship	NOUN
issue-771	43	39	with	with	ADP
issue-771	43	40	a	a	DET
issue-771	43	41	customer	customer	NOUN
issue-771	43	42	,	,	PUNCT
issue-771	43	43	which	which	PRON
issue-771	43	44	involves	involve	VERB
issue-771	43	45	the	the	DET
issue-771	43	46	digitization	digitization	NOUN
issue-771	43	47	of	of	ADP
issue-771	43	48	both	both	DET
issue-771	43	49	banking	banking	NOUN
issue-771	43	50	services	service	NOUN
issue-771	43	51	and	and	CCONJ
issue-771	43	52	all	all	DET
issue-771	43	53	banking	banking	NOUN
issue-771	43	54	and	and	CCONJ
issue-771	43	55	customer	customer	NOUN
issue-771	43	56	activities	activity	NOUN
issue-771	43	57	(	(	PUNCT
issue-771	43	58	five	five	NUM
issue-771	43	59	degrees	degree	NOUN
issue-771	43	60	solutions	solution	NOUN
issue-771	43	61	,	,	PUNCT
issue-771	43	62	2019	2019	NUM
issue-771	43	63	)	)	PUNCT
issue-771	43	64	.	.	PUNCT
issue-771	44	1	it	it	PRON
issue-771	44	2	follows	follow	VERB
issue-771	44	3	that	that	SCONJ
issue-771	44	4	in	in	ADP
issue-771	44	5	the	the	DET
issue-771	44	6	current	current	ADJ
issue-771	44	7	context	context	NOUN
issue-771	44	8	,	,	PUNCT
issue-771	44	9	the	the	DET
issue-771	44	10	essence	essence	NOUN
issue-771	44	11	of	of	ADP
issue-771	44	12	digital	digital	ADJ
issue-771	44	13	banking	banking	NOUN
issue-771	44	14	is	be	AUX
issue-771	44	15	characterized	characterize	VERB
issue-771	44	16	by	by	ADP
issue-771	44	17	the	the	DET
issue-771	44	18	continuity	continuity	NOUN
issue-771	44	19	of	of	ADP
issue-771	44	20	banking	banking	NOUN
issue-771	44	21	services	service	NOUN
issue-771	44	22	,	,	PUNCT
issue-771	44	23	which	which	PRON
issue-771	44	24	provide	provide	VERB
issue-771	44	25	the	the	DET
issue-771	44	26	consumer	consumer	NOUN
issue-771	44	27	with	with	ADP
issue-771	44	28	the	the	DET
issue-771	44	29	ability	ability	NOUN
issue-771	44	30	to	to	PART
issue-771	44	31	receive	receive	VERB
issue-771	44	32	them	they	PRON
issue-771	44	33	online	online	ADV
issue-771	44	34	anywhere	anywhere	ADV
issue-771	44	35	around	around	ADP
issue-771	44	36	the	the	DET
issue-771	44	37	clock	clock	NOUN
issue-771	44	38	,	,	PUNCT
issue-771	44	39	personalization	personalization	NOUN
issue-771	44	40	of	of	ADP
issue-771	44	41	banking	banking	NOUN
issue-771	44	42	services	service	NOUN
issue-771	44	43	,	,	PUNCT
issue-771	44	44	digital	digital	ADJ
issue-771	44	45	authentication	authentication	NOUN
issue-771	44	46	of	of	ADP
issue-771	44	47	users	user	NOUN
issue-771	44	48	and	and	CCONJ
issue-771	44	49	digitization	digitization	NOUN
issue-771	44	50	of	of	ADP
issue-771	44	51	banking	banking	NOUN
issue-771	44	52	transactions	transaction	NOUN
issue-771	44	53	with	with	ADP
issue-771	44	54	the	the	DET
issue-771	44	55	replacement	replacement	NOUN
issue-771	44	56	of	of	ADP
issue-771	44	57	paperwork	paperwork	NOUN
issue-771	44	58	.	.	PUNCT
issue-771	45	1	there	there	PRON
issue-771	45	2	are	be	VERB
issue-771	45	3	three	three	NUM
issue-771	45	4	stages	stage	NOUN
issue-771	45	5	of	of	ADP
issue-771	45	6	the	the	DET
issue-771	45	7	evolution	evolution	NOUN
issue-771	45	8	of	of	ADP
issue-771	45	9	digital	digital	ADJ
issue-771	45	10	banking	banking	NOUN
issue-771	45	11	.	.	PUNCT
issue-771	46	1	the	the	DET
issue-771	46	2	first	first	ADJ
issue-771	46	3	stage	stage	NOUN
issue-771	46	4	concerned	concern	VERB
issue-771	46	5	the	the	DET
issue-771	46	6	introduction	introduction	NOUN
issue-771	46	7	of	of	ADP
issue-771	46	8	atms	atms	NOUN
issue-771	46	9	and	and	CCONJ
issue-771	46	10	call	call	VERB
issue-771	46	11	centers	center	NOUN
issue-771	46	12	into	into	ADP
issue-771	46	13	the	the	DET
issue-771	46	14	banking	banking	NOUN
issue-771	46	15	activities	activity	NOUN
issue-771	46	16	,	,	PUNCT
issue-771	46	17	which	which	PRON
issue-771	46	18	improved	improve	VERB
issue-771	46	19	customer	customer	NOUN
issue-771	46	20	service	service	NOUN
issue-771	46	21	.	.	PUNCT
issue-771	47	1	in	in	ADP
issue-771	47	2	the	the	DET
issue-771	47	3	second	second	ADJ
issue-771	47	4	phase	phase	NOUN
issue-771	47	5	,	,	PUNCT
issue-771	47	6	cloud	cloud	NOUN
issue-771	47	7	technologies	technology	NOUN
issue-771	47	8	,	,	PUNCT
issue-771	47	9	social	social	ADJ
issue-771	47	10	networks	network	NOUN
issue-771	47	11	,	,	PUNCT
issue-771	47	12	analytics	analytic	NOUN
issue-771	47	13	and	and	CCONJ
issue-771	47	14	mobile	mobile	ADJ
issue-771	47	15	access	access	NOUN
issue-771	47	16	were	be	AUX
issue-771	47	17	applied	apply	VERB
issue-771	47	18	,	,	PUNCT
issue-771	47	19	which	which	PRON
issue-771	47	20	allowed	allow	VERB
issue-771	47	21	banking	banking	NOUN
issue-771	47	22	institutions	institution	NOUN
issue-771	47	23	to	to	PART
issue-771	47	24	personalize	personalize	VERB
issue-771	47	25	their	their	PRON
issue-771	47	26	banking	banking	NOUN
issue-771	47	27	services	service	NOUN
issue-771	47	28	.	.	PUNCT
issue-771	48	1	the	the	DET
issue-771	48	2	third	third	ADJ
issue-771	48	3	stage	stage	NOUN
issue-771	48	4	of	of	ADP
issue-771	48	5	development	development	NOUN
issue-771	48	6	of	of	ADP
issue-771	48	7	digital	digital	ADJ
issue-771	48	8	banking	banking	NOUN
issue-771	48	9	is	be	AUX
issue-771	48	10	related	relate	VERB
issue-771	48	11	to	to	ADP
issue-771	48	12	the	the	DET
issue-771	48	13	use	use	NOUN
issue-771	48	14	baltic	baltic	ADJ
issue-771	48	15	journal	journal	NOUN
issue-771	48	16	of	of	ADP
issue-771	48	17	economic	economic	ADJ
issue-771	48	18	studies	study	NOUN
issue-771	48	19	94	94	NUM
issue-771	48	20	vol	vol	NOUN
issue-771	48	21	.	.	PROPN
issue-771	49	1	6	6	NUM
issue-771	49	2	,	,	PUNCT
issue-771	49	3	no	no	INTJ
issue-771	49	4	.	.	NOUN
issue-771	49	5	1	1	NUM
issue-771	49	6	,	,	PUNCT
issue-771	49	7	2020	2020	NUM
issue-771	49	8	of	of	ADP
issue-771	49	9	artificial	artificial	ADJ
issue-771	49	10	intelligence	intelligence	NOUN
issue-771	49	11	,	,	PUNCT
issue-771	49	12	blockchain	blockchain	NOUN
issue-771	49	13	,	,	PUNCT
issue-771	49	14	programming	programming	NOUN
issue-771	49	15	interfaces	interface	NOUN
issue-771	49	16	,	,	PUNCT
issue-771	49	17	robotization	robotization	NOUN
issue-771	49	18	of	of	ADP
issue-771	49	19	individual	individual	ADJ
issue-771	49	20	business	business	NOUN
issue-771	49	21	processes	process	NOUN
issue-771	49	22	.	.	PUNCT
issue-771	50	1	in	in	ADP
issue-771	50	2	the	the	DET
issue-771	50	3	third	third	ADJ
issue-771	50	4	stage	stage	NOUN
issue-771	50	5	of	of	ADP
issue-771	50	6	development	development	NOUN
issue-771	50	7	of	of	ADP
issue-771	50	8	digital	digital	ADJ
issue-771	50	9	banking	banking	NOUN
issue-771	50	10	the	the	DET
issue-771	50	11	following	follow	VERB
issue-771	50	12	components	component	NOUN
issue-771	50	13	are	be	AUX
issue-771	50	14	distinguished	distinguish	VERB
issue-771	50	15	:	:	PUNCT
issue-771	50	16	1	1	NUM
issue-771	50	17	.	.	X
issue-771	50	18	three	three	NUM
issue-771	50	19	-	-	PUNCT
issue-771	50	20	tier	tier	NOUN
issue-771	50	21	digital	digital	ADJ
issue-771	50	22	core	core	NOUN
issue-771	50	23	banking	banking	NOUN
issue-771	50	24	architecture	architecture	NOUN
issue-771	50	25	,	,	PUNCT
issue-771	50	26	including	include	VERB
issue-771	50	27	:	:	PUNCT
issue-771	50	28	presentation	presentation	NOUN
issue-771	50	29	level	level	NOUN
issue-771	50	30	;	;	PUNCT
issue-771	50	31	client	client	NOUN
issue-771	50	32	level	level	NOUN
issue-771	50	33	;	;	PUNCT
issue-771	50	34	product	product	NOUN
issue-771	50	35	level	level	NOUN
issue-771	50	36	.	.	PUNCT
issue-771	51	1	2	2	X
issue-771	51	2	.	.	X
issue-771	51	3	collaboration	collaboration	NOUN
issue-771	51	4	with	with	ADP
issue-771	51	5	other	other	ADJ
issue-771	51	6	financial	financial	ADJ
issue-771	51	7	technologies	technology	NOUN
issue-771	51	8	,	,	PUNCT
issue-771	51	9	which	which	PRON
issue-771	51	10	presupposes	presuppose	VERB
issue-771	51	11	the	the	DET
issue-771	51	12	existence	existence	NOUN
issue-771	51	13	of	of	ADP
issue-771	51	14	a	a	DET
issue-771	51	15	common	common	ADJ
issue-771	51	16	system	system	NOUN
issue-771	51	17	.	.	PUNCT
issue-771	52	1	3	3	X
issue-771	52	2	.	.	X
issue-771	52	3	customer	customer	NOUN
issue-771	52	4	trust	trust	NOUN
issue-771	52	5	and	and	CCONJ
issue-771	52	6	massive	massive	ADJ
issue-771	52	7	customer	customer	NOUN
issue-771	52	8	acquisition	acquisition	NOUN
issue-771	52	9	(	(	PUNCT
issue-771	52	10	five	five	NUM
issue-771	52	11	degrees	degree	NOUN
issue-771	52	12	solutions	solution	NOUN
issue-771	52	13	,	,	PUNCT
issue-771	52	14	2019	2019	NUM
issue-771	52	15	)	)	PUNCT
issue-771	52	16	.	.	PUNCT
issue-771	53	1	nowadays	nowadays	ADV
issue-771	53	2	,	,	PUNCT
issue-771	53	3	the	the	DET
issue-771	53	4	popularity	popularity	NOUN
issue-771	53	5	of	of	ADP
issue-771	53	6	digital	digital	ADJ
issue-771	53	7	banking	banking	NOUN
issue-771	53	8	is	be	AUX
issue-771	53	9	growing	grow	VERB
issue-771	53	10	all	all	ADV
issue-771	53	11	over	over	ADP
issue-771	53	12	the	the	DET
issue-771	53	13	world	world	NOUN
issue-771	53	14	.	.	PUNCT
issue-771	54	1	thus	thus	ADV
issue-771	54	2	,	,	PUNCT
issue-771	54	3	the	the	DET
issue-771	54	4	results	result	NOUN
issue-771	54	5	of	of	ADP
issue-771	54	6	the	the	DET
issue-771	54	7	visa	visa	NOUN
issue-771	54	8	survey	survey	NOUN
issue-771	54	9	indicate	indicate	VERB
issue-771	54	10	that	that	SCONJ
issue-771	54	11	91	91	NUM
issue-771	54	12	%	%	NOUN
issue-771	54	13	of	of	ADP
issue-771	54	14	the	the	DET
issue-771	54	15	turkish	turkish	ADJ
issue-771	54	16	residents	resident	NOUN
issue-771	54	17	use	use	VERB
issue-771	54	18	mobile	mobile	ADJ
issue-771	54	19	payments	payment	NOUN
issue-771	54	20	and	and	CCONJ
issue-771	54	21	online	online	ADJ
issue-771	54	22	banking	banking	NOUN
issue-771	54	23	,	,	PUNCT
issue-771	54	24	89	89	NUM
issue-771	54	25	%	%	NOUN
issue-771	54	26	in	in	ADP
issue-771	54	27	denmark	denmark	NOUN
issue-771	54	28	,	,	PUNCT
issue-771	54	29	87	87	NUM
issue-771	54	30	%	%	NOUN
issue-771	54	31	in	in	ADP
issue-771	54	32	norway	norway	PROPN
issue-771	54	33	;	;	PUNCT
issue-771	54	34	86	86	NUM
issue-771	54	35	%	%	NOUN
issue-771	54	36	in	in	ADP
issue-771	54	37	israel	israel	PROPN
issue-771	54	38	(	(	PUNCT
issue-771	54	39	bainazarov	bainazarov	PROPN
issue-771	54	40	,	,	PUNCT
issue-771	54	41	2018	2018	NUM
issue-771	54	42	)	)	PUNCT
issue-771	54	43	.	.	PUNCT
issue-771	55	1	according	accord	VERB
issue-771	55	2	to	to	ADP
issue-771	55	3	a	a	DET
issue-771	55	4	survey	survey	NOUN
issue-771	55	5	of	of	ADP
issue-771	55	6	the	the	DET
issue-771	55	7	companies	company	NOUN
issue-771	55	8	in	in	ADP
issue-771	55	9	north	north	PROPN
issue-771	55	10	america	america	PROPN
issue-771	55	11	and	and	CCONJ
issue-771	55	12	europe	europe	PROPN
issue-771	55	13	in	in	ADP
issue-771	55	14	2019	2019	NUM
issue-771	55	15	conducted	conduct	VERB
issue-771	55	16	by	by	ADP
issue-771	55	17	bottomline	bottomline	NOUN
issue-771	55	18	technologies	technology	NOUN
issue-771	55	19	,	,	PUNCT
issue-771	55	20	76	76	NUM
issue-771	55	21	%	%	NOUN
issue-771	55	22	of	of	ADP
issue-771	55	23	banks	bank	NOUN
issue-771	55	24	seek	seek	VERB
issue-771	55	25	to	to	PART
issue-771	55	26	maximize	maximize	VERB
issue-771	55	27	the	the	DET
issue-771	55	28	use	use	NOUN
issue-771	55	29	of	of	ADP
issue-771	55	30	financial	financial	ADJ
issue-771	55	31	technology	technology	NOUN
issue-771	55	32	solutions	solution	NOUN
issue-771	55	33	for	for	ADP
issue-771	55	34	payment	payment	NOUN
issue-771	55	35	services	service	NOUN
issue-771	55	36	and	and	CCONJ
issue-771	55	37	do	do	VERB
issue-771	55	38	so	so	ADV
issue-771	55	39	in	in	ADP
issue-771	55	40	order	order	NOUN
issue-771	55	41	to	to	PART
issue-771	55	42	retain	retain	VERB
issue-771	55	43	customers	customer	NOUN
issue-771	55	44	of	of	ADP
issue-771	55	45	certain	certain	ADJ
issue-771	55	46	segments	segment	NOUN
issue-771	55	47	,	,	PUNCT
issue-771	55	48	whereas	whereas	SCONJ
issue-771	55	49	28	28	NUM
issue-771	55	50	%	%	NOUN
issue-771	55	51	of	of	ADP
issue-771	55	52	corporations	corporation	NOUN
issue-771	55	53	surveyed	survey	VERB
issue-771	55	54	indicate	indicate	VERB
issue-771	55	55	that	that	SCONJ
issue-771	55	56	they	they	PRON
issue-771	55	57	use	use	VERB
issue-771	55	58	non	non	ADJ
issue-771	55	59	-	-	ADJ
issue-771	55	60	banking	banking	ADJ
issue-771	55	61	providers	provider	NOUN
issue-771	55	62	for	for	ADP
issue-771	55	63	payments	payment	NOUN
issue-771	55	64	.	.	PUNCT
issue-771	56	1	a	a	DET
issue-771	56	2	survey	survey	NOUN
issue-771	56	3	finds	find	VERB
issue-771	56	4	that	that	SCONJ
issue-771	56	5	nearly	nearly	ADV
issue-771	56	6	half	half	NOUN
issue-771	56	7	of	of	ADP
issue-771	56	8	corporations	corporation	NOUN
issue-771	56	9	use	use	VERB
issue-771	56	10	or	or	CCONJ
issue-771	56	11	are	be	AUX
issue-771	56	12	interested	interested	ADJ
issue-771	56	13	in	in	ADP
issue-771	56	14	using	use	VERB
issue-771	56	15	new	new	ADJ
issue-771	56	16	payment	payment	NOUN
issue-771	56	17	services	service	NOUN
issue-771	56	18	,	,	PUNCT
issue-771	56	19	with	with	ADP
issue-771	56	20	the	the	DET
issue-771	56	21	focus	focus	NOUN
issue-771	56	22	on	on	ADP
issue-771	56	23	real	real	ADJ
issue-771	56	24	-	-	PUNCT
issue-771	56	25	time	time	NOUN
issue-771	56	26	payments	payment	NOUN
issue-771	56	27	(	(	PUNCT
issue-771	56	28	55	55	NUM
issue-771	56	29	%	%	NOUN
issue-771	56	30	)	)	PUNCT
issue-771	56	31	,	,	PUNCT
issue-771	56	32	automated	automate	VERB
issue-771	56	33	clearing	clearing	NOUN
issue-771	56	34	centers	center	NOUN
issue-771	56	35	(	(	PUNCT
issue-771	56	36	44	44	NUM
issue-771	56	37	%	%	NOUN
issue-771	56	38	)	)	PUNCT
issue-771	56	39	and	and	CCONJ
issue-771	56	40	implementation	implementation	NOUN
issue-771	56	41	of	of	ADP
issue-771	56	42	blockchain	blockchain	PROPN
issue-771	56	43	services	service	NOUN
issue-771	56	44	(	(	PUNCT
issue-771	56	45	35	35	NUM
issue-771	56	46	%	%	NOUN
issue-771	56	47	)	)	PUNCT
issue-771	56	48	(	(	PUNCT
issue-771	56	49	the	the	DET
issue-771	56	50	paypers	payper	NOUN
issue-771	56	51	,	,	PUNCT
issue-771	56	52	2019	2019	NUM
issue-771	56	53	)	)	PUNCT
issue-771	56	54	.	.	PUNCT
issue-771	57	1	3	3	X
issue-771	57	2	.	.	NOUN
issue-771	57	3	results	result	VERB
issue-771	57	4	3.1	3.1	NUM
issue-771	57	5	.	.	PUNCT
issue-771	58	1	influence	influence	NOUN
issue-771	58	2	of	of	ADP
issue-771	58	3	investments	investment	NOUN
issue-771	58	4	in	in	ADP
issue-771	58	5	financial	financial	ADJ
issue-771	58	6	technologies	technology	NOUN
issue-771	58	7	on	on	ADP
issue-771	58	8	the	the	DET
issue-771	58	9	performance	performance	NOUN
issue-771	58	10	of	of	ADP
issue-771	58	11	the	the	DET
issue-771	58	12	banking	banking	NOUN
issue-771	58	13	system	system	NOUN
issue-771	58	14	the	the	DET
issue-771	58	15	financial	financial	ADJ
issue-771	58	16	technology	technology	NOUN
issue-771	58	17	market	market	NOUN
issue-771	58	18	of	of	ADP
issue-771	58	19	the	the	DET
issue-771	58	20	world	world	NOUN
issue-771	58	21	has	have	AUX
issue-771	58	22	shown	show	VERB
issue-771	58	23	rapid	rapid	ADJ
issue-771	58	24	development	development	NOUN
issue-771	58	25	in	in	ADP
issue-771	58	26	recent	recent	ADJ
issue-771	58	27	years	year	NOUN
issue-771	58	28	,	,	PUNCT
issue-771	58	29	driven	drive	VERB
issue-771	58	30	by	by	ADP
issue-771	58	31	the	the	DET
issue-771	58	32	demand	demand	NOUN
issue-771	58	33	from	from	ADP
issue-771	58	34	leading	lead	VERB
issue-771	58	35	international	international	ADJ
issue-771	58	36	banks	bank	NOUN
issue-771	58	37	for	for	ADP
issue-771	58	38	innovative	innovative	ADJ
issue-771	58	39	products	product	NOUN
issue-771	58	40	and	and	CCONJ
issue-771	58	41	the	the	DET
issue-771	58	42	supply	supply	NOUN
issue-771	58	43	of	of	ADP
issue-771	58	44	financial	financial	ADJ
issue-771	58	45	technology	technology	NOUN
issue-771	58	46	companies	company	NOUN
issue-771	58	47	.	.	PUNCT
issue-771	59	1	for	for	ADP
issue-771	59	2	international	international	ADJ
issue-771	59	3	banks	bank	NOUN
issue-771	59	4	,	,	PUNCT
issue-771	59	5	there	there	PRON
issue-771	59	6	is	be	VERB
issue-771	59	7	a	a	DET
issue-771	59	8	need	need	NOUN
issue-771	59	9	to	to	PART
issue-771	59	10	automate	automate	VERB
issue-771	59	11	business	business	NOUN
issue-771	59	12	processes	process	NOUN
issue-771	59	13	,	,	PUNCT
issue-771	59	14	create	create	VERB
issue-771	59	15	the	the	DET
issue-771	59	16	conditions	condition	NOUN
issue-771	59	17	under	under	ADP
issue-771	59	18	which	which	PRON
issue-771	59	19	it	it	PRON
issue-771	59	20	is	be	AUX
issue-771	59	21	possible	possible	ADJ
issue-771	59	22	to	to	PART
issue-771	59	23	expand	expand	VERB
issue-771	59	24	the	the	DET
issue-771	59	25	customer	customer	NOUN
issue-771	59	26	base	base	NOUN
issue-771	59	27	,	,	PUNCT
issue-771	59	28	increase	increase	VERB
issue-771	59	29	the	the	DET
issue-771	59	30	demand	demand	NOUN
issue-771	59	31	for	for	ADP
issue-771	59	32	banking	banking	NOUN
issue-771	59	33	products	product	NOUN
issue-771	59	34	,	,	PUNCT
issue-771	59	35	which	which	PRON
issue-771	59	36	contributes	contribute	VERB
issue-771	59	37	to	to	ADP
issue-771	59	38	the	the	DET
issue-771	59	39	use	use	NOUN
issue-771	59	40	of	of	ADP
issue-771	59	41	financial	financial	ADJ
issue-771	59	42	technology	technology	NOUN
issue-771	59	43	tools	tool	NOUN
issue-771	59	44	.	.	PUNCT
issue-771	60	1	according	accord	VERB
issue-771	60	2	to	to	ADP
issue-771	60	3	ian	ian	PROPN
issue-771	60	4	pollari	pollari	NOUN
issue-771	60	5	,	,	PUNCT
issue-771	60	6	in	in	ADP
issue-771	60	7	the	the	DET
issue-771	60	8	current	current	ADJ
issue-771	60	9	conditions	condition	NOUN
issue-771	60	10	,	,	PUNCT
issue-771	60	11	the	the	DET
issue-771	60	12	international	international	ADJ
issue-771	60	13	financial	financial	ADJ
issue-771	60	14	market	market	NOUN
issue-771	60	15	continues	continue	VERB
issue-771	60	16	to	to	PART
issue-771	60	17	expand	expand	VERB
issue-771	60	18	and	and	CCONJ
issue-771	60	19	diversify	diversify	VERB
issue-771	60	20	.	.	PUNCT
issue-771	61	1	geographically	geographically	ADV
issue-771	61	2	,	,	PUNCT
issue-771	61	3	there	there	PRON
issue-771	61	4	has	have	AUX
issue-771	61	5	been	be	AUX
issue-771	61	6	an	an	DET
issue-771	61	7	increase	increase	NOUN
issue-771	61	8	in	in	ADP
issue-771	61	9	activity	activity	NOUN
issue-771	61	10	in	in	ADP
issue-771	61	11	the	the	DET
issue-771	61	12	financial	financial	ADJ
issue-771	61	13	markets	market	NOUN
issue-771	61	14	in	in	ADP
issue-771	61	15	brazil	brazil	PROPN
issue-771	61	16	,	,	PUNCT
issue-771	61	17	japan	japan	PROPN
issue-771	61	18	and	and	CCONJ
issue-771	61	19	south	south	PROPN
issue-771	61	20	korea	korea	PROPN
issue-771	61	21	.	.	PUNCT
issue-771	62	1	also	also	ADV
issue-771	62	2	,	,	PUNCT
issue-771	62	3	there	there	PRON
issue-771	62	4	is	be	VERB
issue-771	62	5	a	a	DET
issue-771	62	6	diversification	diversification	NOUN
issue-771	62	7	of	of	ADP
issue-771	62	8	financial	financial	ADJ
issue-771	62	9	technology	technology	NOUN
issue-771	62	10	sectors	sector	NOUN
issue-771	62	11	in	in	ADP
issue-771	62	12	the	the	DET
issue-771	62	13	world	world	NOUN
issue-771	62	14	,	,	PUNCT
issue-771	62	15	in	in	ADP
issue-771	62	16	particular	particular	ADJ
issue-771	62	17	,	,	PUNCT
issue-771	62	18	regtech	regtech	PROPN
issue-771	62	19	(	(	PUNCT
issue-771	62	20	regulatory	regulatory	ADJ
issue-771	62	21	technology	technology	NOUN
issue-771	62	22	)	)	PUNCT
issue-771	62	23	,	,	PUNCT
issue-771	62	24	wealthtech	wealthtech	NOUN
issue-771	62	25	(	(	PUNCT
issue-771	62	26	wealth	wealth	NOUN
issue-771	62	27	technology	technology	NOUN
issue-771	62	28	)	)	PUNCT
issue-771	62	29	,	,	PUNCT
issue-771	62	30	insurtech	insurtech	NOUN
issue-771	62	31	(	(	PUNCT
issue-771	62	32	technology	technology	NOUN
issue-771	62	33	for	for	ADP
issue-771	62	34	insurance	insurance	NOUN
issue-771	62	35	companies	company	NOUN
issue-771	62	36	)	)	PUNCT
issue-771	62	37	,	,	PUNCT
issue-771	62	38	proptech	proptech	NOUN
issue-771	62	39	(	(	PUNCT
issue-771	62	40	real	real	ADJ
issue-771	62	41	property	property	NOUN
issue-771	62	42	technology	technology	NOUN
issue-771	62	43	)	)	PUNCT
issue-771	62	44	.	.	PUNCT
issue-771	63	1	the	the	DET
issue-771	63	2	diversification	diversification	NOUN
issue-771	63	3	of	of	ADP
issue-771	63	4	financial	financial	ADJ
issue-771	63	5	technologies	technology	NOUN
issue-771	63	6	between	between	ADP
issue-771	63	7	countries	country	NOUN
issue-771	63	8	and	and	CCONJ
issue-771	63	9	species	specie	NOUN
issue-771	63	10	in	in	ADP
issue-771	63	11	the	the	DET
issue-771	63	12	near	near	ADJ
issue-771	63	13	future	future	NOUN
issue-771	63	14	will	will	AUX
issue-771	63	15	be	be	AUX
issue-771	63	16	able	able	ADJ
issue-771	63	17	to	to	PART
issue-771	63	18	strengthen	strengthen	VERB
issue-771	63	19	the	the	DET
issue-771	63	20	financial	financial	ADJ
issue-771	63	21	markets	market	NOUN
issue-771	63	22	,	,	PUNCT
issue-771	63	23	including	include	VERB
issue-771	63	24	the	the	DET
issue-771	63	25	banking	banking	NOUN
issue-771	63	26	segment	segment	NOUN
issue-771	63	27	(	(	PUNCT
issue-771	63	28	kpmg	kpmg	PROPN
issue-771	63	29	,	,	PUNCT
issue-771	63	30	2019	2019	NUM
issue-771	63	31	)	)	PUNCT
issue-771	63	32	.	.	PUNCT
issue-771	64	1	financial	financial	ADJ
issue-771	64	2	sector	sector	NOUN
issue-771	64	3	institutions	institution	NOUN
issue-771	64	4	,	,	PUNCT
issue-771	64	5	including	include	VERB
issue-771	64	6	banks	bank	NOUN
issue-771	64	7	,	,	PUNCT
issue-771	64	8	are	be	AUX
issue-771	64	9	ready	ready	ADJ
issue-771	64	10	to	to	PART
issue-771	64	11	invest	invest	VERB
issue-771	64	12	resources	resource	NOUN
issue-771	64	13	in	in	ADP
issue-771	64	14	financial	financial	ADJ
issue-771	64	15	technology	technology	NOUN
issue-771	64	16	,	,	PUNCT
issue-771	64	17	the	the	DET
issue-771	64	18	amount	amount	NOUN
issue-771	64	19	of	of	ADP
issue-771	64	20	which	which	PRON
issue-771	64	21	is	be	AUX
issue-771	64	22	increasing	increase	VERB
issue-771	64	23	every	every	DET
issue-771	64	24	year	year	NOUN
issue-771	64	25	.	.	PUNCT
issue-771	65	1	an	an	DET
issue-771	65	2	analysis	analysis	NOUN
issue-771	65	3	of	of	ADP
issue-771	65	4	the	the	DET
issue-771	65	5	continental	continental	ADJ
issue-771	65	6	geography	geography	NOUN
issue-771	65	7	of	of	ADP
issue-771	65	8	investing	invest	VERB
issue-771	65	9	in	in	ADP
issue-771	65	10	financial	financial	ADJ
issue-771	65	11	technology	technology	NOUN
issue-771	65	12	shows	show	VERB
issue-771	65	13	that	that	SCONJ
issue-771	65	14	the	the	DET
issue-771	65	15	greatest	great	ADJ
issue-771	65	16	growth	growth	NOUN
issue-771	65	17	is	be	AUX
issue-771	65	18	demonstrated	demonstrate	VERB
issue-771	65	19	by	by	ADP
issue-771	65	20	the	the	DET
issue-771	65	21	america	america	PROPN
issue-771	65	22	and	and	CCONJ
issue-771	65	23	the	the	DET
issue-771	65	24	countries	country	NOUN
issue-771	65	25	of	of	ADP
issue-771	65	26	europe	europe	PROPN
issue-771	65	27	(	(	PUNCT
issue-771	65	28	kpmg	kpmg	PROPN
issue-771	65	29	,	,	PUNCT
issue-771	65	30	2019	2019	NUM
issue-771	65	31	)	)	PUNCT
issue-771	65	32	.	.	PUNCT
issue-771	66	1	the	the	DET
issue-771	66	2	growth	growth	NOUN
issue-771	66	3	in	in	ADP
issue-771	66	4	investment	investment	NOUN
issue-771	66	5	in	in	ADP
issue-771	66	6	financial	financial	ADJ
issue-771	66	7	technology	technology	NOUN
issue-771	66	8	has	have	AUX
issue-771	66	9	enabled	enable	VERB
issue-771	66	10	european	european	ADJ
issue-771	66	11	banks	bank	NOUN
issue-771	66	12	to	to	PART
issue-771	66	13	expand	expand	VERB
issue-771	66	14	their	their	PRON
issue-771	66	15	operations	operation	NOUN
issue-771	66	16	,	,	PUNCT
issue-771	66	17	increase	increase	VERB
issue-771	66	18	deposits	deposit	NOUN
issue-771	66	19	and	and	CCONJ
issue-771	66	20	lending	lending	NOUN
issue-771	66	21	,	,	PUNCT
issue-771	66	22	as	as	SCONJ
issue-771	66	23	evidenced	evidence	VERB
issue-771	66	24	by	by	ADP
issue-771	66	25	statistics	statistic	NOUN
issue-771	66	26	.	.	PUNCT
issue-771	67	1	the	the	DET
issue-771	67	2	granger	granger	PROPN
issue-771	67	3	causality	causality	PROPN
issue-771	67	4	test	test	NOUN
issue-771	67	5	between	between	ADP
issue-771	67	6	the	the	DET
issue-771	67	7	dynamics	dynamic	NOUN
issue-771	67	8	of	of	ADP
issue-771	67	9	investments	investment	NOUN
issue-771	67	10	in	in	ADP
issue-771	67	11	financial	financial	ADJ
issue-771	67	12	technologies	technology	NOUN
issue-771	67	13	(	(	PUNCT
issue-771	67	14	kpmg	kpmg	PROPN
issue-771	67	15	,	,	PUNCT
issue-771	67	16	2018	2018	NUM
issue-771	67	17	)	)	PUNCT
issue-771	67	18	and	and	CCONJ
issue-771	67	19	the	the	DET
issue-771	67	20	volume	volume	NOUN
issue-771	67	21	of	of	ADP
issue-771	67	22	deposits	deposit	NOUN
issue-771	67	23	and	and	CCONJ
issue-771	67	24	loans	loan	NOUN
issue-771	67	25	in	in	ADP
issue-771	67	26	europe	europe	PROPN
issue-771	67	27	,	,	PUNCT
issue-771	67	28	by	by	ADP
issue-771	67	29	corporations	corporation	NOUN
issue-771	67	30	,	,	PUNCT
issue-771	67	31	households	household	NOUN
issue-771	67	32	,	,	PUNCT
issue-771	67	33	insurance	insurance	NOUN
issue-771	67	34	,	,	PUNCT
issue-771	67	35	pension	pension	NOUN
issue-771	67	36	and	and	CCONJ
issue-771	67	37	other	other	ADJ
issue-771	67	38	financial	financial	ADJ
issue-771	67	39	institutions	institution	NOUN
issue-771	67	40	(	(	PUNCT
issue-771	67	41	euro	euro	PROPN
issue-771	67	42	area	area	NOUN
issue-771	67	43	statistics	statistic	NOUN
issue-771	67	44	,	,	PUNCT
issue-771	67	45	2019	2019	NUM
issue-771	67	46	)	)	PUNCT
issue-771	67	47	,	,	PUNCT
issue-771	67	48	allowed	allow	VERB
issue-771	67	49	to	to	PART
issue-771	67	50	establish	establish	VERB
issue-771	67	51	the	the	DET
issue-771	67	52	relationship	relationship	NOUN
issue-771	67	53	between	between	ADP
issue-771	67	54	the	the	DET
issue-771	67	55	indicators	indicator	NOUN
issue-771	67	56	under	under	ADP
issue-771	67	57	research	research	NOUN
issue-771	67	58	.	.	PUNCT
issue-771	68	1	in	in	ADP
issue-771	68	2	particular	particular	ADJ
issue-771	68	3	,	,	PUNCT
issue-771	68	4	the	the	DET
issue-771	68	5	following	follow	VERB
issue-771	68	6	results	result	NOUN
issue-771	68	7	were	be	AUX
issue-771	68	8	obtained	obtain	VERB
issue-771	68	9	:	:	PUNCT
issue-771	68	10	–	–	PUNCT
issue-771	68	11	a	a	DET
issue-771	68	12	decrease	decrease	NOUN
issue-771	68	13	in	in	ADP
issue-771	68	14	deposits	deposit	NOUN
issue-771	68	15	from	from	ADP
issue-771	68	16	insurance	insurance	NOUN
issue-771	68	17	and	and	CCONJ
issue-771	68	18	pension	pension	NOUN
issue-771	68	19	companies	company	NOUN
issue-771	68	20	led	lead	VERB
issue-771	68	21	to	to	ADP
issue-771	68	22	an	an	DET
issue-771	68	23	increase	increase	NOUN
issue-771	68	24	in	in	ADP
issue-771	68	25	investments	investment	NOUN
issue-771	68	26	in	in	ADP
issue-771	68	27	financial	financial	ADJ
issue-771	68	28	technology	technology	NOUN
issue-771	68	29	instruments	instrument	NOUN
issue-771	68	30	(	(	PUNCT
issue-771	68	31	the	the	DET
issue-771	68	32	granger	granger	PROPN
issue-771	68	33	p	p	NOUN
issue-771	68	34	-	-	PUNCT
issue-771	68	35	value	value	NOUN
issue-771	68	36	=	=	NOUN
issue-771	68	37	0.0009	0.0009	NUM
issue-771	68	38	;	;	PUNCT
issue-771	68	39	the	the	DET
issue-771	68	40	pearson	pearson	PROPN
issue-771	68	41	correlation	correlation	NOUN
issue-771	68	42	coefficient	coefficient	NOUN
issue-771	68	43	=	=	X
issue-771	68	44	-0.35881	-0.35881	NOUN
issue-771	68	45	)	)	PUNCT
issue-771	68	46	;	;	PUNCT
issue-771	68	47	–	–	PUNCT
issue-771	68	48	an	an	DET
issue-771	68	49	increase	increase	NOUN
issue-771	68	50	in	in	ADP
issue-771	68	51	investments	investment	NOUN
issue-771	68	52	in	in	ADP
issue-771	68	53	financial	financial	ADJ
issue-771	68	54	technology	technology	NOUN
issue-771	68	55	instruments	instrument	NOUN
issue-771	68	56	led	lead	VERB
issue-771	68	57	to	to	ADP
issue-771	68	58	an	an	DET
issue-771	68	59	increase	increase	NOUN
issue-771	68	60	in	in	ADP
issue-771	68	61	lending	lending	NOUN
issue-771	68	62	to	to	ADP
issue-771	68	63	other	other	ADJ
issue-771	68	64	financial	financial	ADJ
issue-771	68	65	corporations	corporation	NOUN
issue-771	68	66	(	(	PUNCT
issue-771	68	67	the	the	DET
issue-771	68	68	granger	granger	PROPN
issue-771	68	69	p	p	NOUN
issue-771	68	70	-	-	PUNCT
issue-771	68	71	value	value	NOUN
issue-771	68	72	=	=	NOUN
issue-771	68	73	0.0225	0.0225	NUM
issue-771	68	74	;	;	PUNCT
issue-771	68	75	the	the	DET
issue-771	68	76	pearson	pearson	NOUN
issue-771	68	77	correlation	correlation	NOUN
issue-771	68	78	coefficient	coefficient	NOUN
issue-771	68	79	=	=	NOUN
issue-771	68	80	0.554475	0.554475	NUM
issue-771	68	81	)	)	PUNCT
issue-771	68	82	.	.	PUNCT
issue-771	69	1	it	it	PRON
issue-771	69	2	follows	follow	VERB
issue-771	69	3	that	that	SCONJ
issue-771	69	4	,	,	PUNCT
issue-771	69	5	on	on	ADP
issue-771	69	6	the	the	DET
issue-771	69	7	one	one	NUM
issue-771	69	8	hand	hand	NOUN
issue-771	69	9	,	,	PUNCT
issue-771	69	10	the	the	DET
issue-771	69	11	increase	increase	NOUN
issue-771	69	12	in	in	ADP
issue-771	69	13	investments	investment	NOUN
issue-771	69	14	in	in	ADP
issue-771	69	15	financial	financial	ADJ
issue-771	69	16	technologies	technology	NOUN
issue-771	69	17	in	in	ADP
issue-771	69	18	2012	2012	NUM
issue-771	69	19	-	-	SYM
issue-771	69	20	2018	2018	NUM
issue-771	69	21	is	be	AUX
issue-771	69	22	due	due	ADJ
issue-771	69	23	to	to	ADP
issue-771	69	24	the	the	DET
issue-771	69	25	outflow	outflow	NOUN
issue-771	69	26	of	of	ADP
issue-771	69	27	resources	resource	NOUN
issue-771	69	28	of	of	ADP
issue-771	69	29	insurance	insurance	NOUN
issue-771	69	30	companies	company	NOUN
issue-771	69	31	and	and	CCONJ
issue-771	69	32	pension	pension	NOUN
issue-771	69	33	funds	fund	NOUN
issue-771	69	34	from	from	ADP
issue-771	69	35	the	the	DET
issue-771	69	36	banking	banking	NOUN
issue-771	69	37	sector	sector	NOUN
issue-771	69	38	,	,	PUNCT
issue-771	69	39	their	their	PRON
issue-771	69	40	funds	fund	NOUN
issue-771	69	41	are	be	AUX
issue-771	69	42	placed	place	VERB
issue-771	69	43	in	in	ADP
issue-771	69	44	non	non	ADJ
issue-771	69	45	-	-	ADJ
issue-771	69	46	banking	banking	ADJ
issue-771	69	47	institutions	institution	NOUN
issue-771	69	48	,	,	PUNCT
issue-771	69	49	probably	probably	ADV
issue-771	69	50	in	in	ADP
issue-771	69	51	bonds	bond	NOUN
issue-771	69	52	or	or	CCONJ
issue-771	69	53	specialized	specialized	ADJ
issue-771	69	54	funds	fund	NOUN
issue-771	69	55	for	for	ADP
issue-771	69	56	asset	asset	NOUN
issue-771	69	57	management	management	NOUN
issue-771	69	58	.	.	PUNCT
issue-771	70	1	on	on	ADP
issue-771	70	2	the	the	DET
issue-771	70	3	other	other	ADJ
issue-771	70	4	hand	hand	NOUN
issue-771	70	5	,	,	PUNCT
issue-771	70	6	the	the	DET
issue-771	70	7	growth	growth	NOUN
issue-771	70	8	of	of	ADP
issue-771	70	9	investments	investment	NOUN
issue-771	70	10	in	in	ADP
issue-771	70	11	financial	financial	ADJ
issue-771	70	12	technologies	technology	NOUN
issue-771	70	13	,	,	PUNCT
issue-771	70	14	in	in	ADP
issue-771	70	15	the	the	DET
issue-771	70	16	same	same	ADJ
issue-771	70	17	period	period	NOUN
issue-771	70	18	,	,	PUNCT
issue-771	70	19	broadens	broaden	VERB
issue-771	70	20	the	the	DET
issue-771	70	21	horizons	horizon	NOUN
issue-771	70	22	of	of	ADP
issue-771	70	23	cooperation	cooperation	NOUN
issue-771	70	24	of	of	ADP
issue-771	70	25	banks	bank	NOUN
issue-771	70	26	with	with	ADP
issue-771	70	27	other	other	ADJ
issue-771	70	28	financial	financial	ADJ
issue-771	70	29	institutions	institution	NOUN
issue-771	70	30	,	,	PUNCT
issue-771	70	31	including	include	VERB
issue-771	70	32	the	the	DET
issue-771	70	33	inter	inter	ADJ
issue-771	70	34	-	-	ADJ
issue-771	70	35	bank	bank	ADJ
issue-771	70	36	one	one	NUM
issue-771	70	37	.	.	PUNCT
issue-771	71	1	for	for	ADP
issue-771	71	2	example	example	NOUN
issue-771	71	3	,	,	PUNCT
issue-771	71	4	for	for	ADP
issue-771	71	5	a	a	DET
issue-771	71	6	banking	banking	NOUN
issue-771	71	7	institution	institution	NOUN
issue-771	71	8	that	that	PRON
issue-771	71	9	trades	trade	VERB
issue-771	71	10	in	in	ADP
issue-771	71	11	securities	security	NOUN
issue-771	71	12	,	,	PUNCT
issue-771	71	13	there	there	PRON
issue-771	71	14	is	be	VERB
issue-771	71	15	a	a	DET
issue-771	71	16	need	need	NOUN
issue-771	71	17	to	to	PART
issue-771	71	18	make	make	VERB
issue-771	71	19	payments	payment	NOUN
issue-771	71	20	on	on	ADP
issue-771	71	21	their	their	PRON
issue-771	71	22	purchase	purchase	NOUN
issue-771	71	23	or	or	CCONJ
issue-771	71	24	sale	sale	NOUN
issue-771	71	25	transactions	transaction	NOUN
issue-771	71	26	,	,	PUNCT
issue-771	71	27	which	which	PRON
issue-771	71	28	can	can	AUX
issue-771	71	29	be	be	AUX
issue-771	71	30	done	do	VERB
issue-771	71	31	with	with	ADP
issue-771	71	32	the	the	DET
issue-771	71	33	help	help	NOUN
issue-771	71	34	of	of	ADP
issue-771	71	35	depository	depository	NOUN
issue-771	71	36	service	service	NOUN
issue-771	71	37	providers	provider	NOUN
issue-771	71	38	,	,	PUNCT
issue-771	71	39	there	there	PRON
issue-771	71	40	are	be	VERB
issue-771	71	41	only	only	ADV
issue-771	71	42	two	two	NUM
issue-771	71	43	of	of	ADP
issue-771	71	44	them	they	PRON
issue-771	71	45	in	in	ADP
issue-771	71	46	europe	europe	PROPN
issue-771	71	47	(	(	PUNCT
issue-771	71	48	clearstream	clearstream	ADJ
issue-771	71	49	,	,	PUNCT
issue-771	71	50	euroclear	euroclear	NOUN
issue-771	71	51	)	)	PUNCT
issue-771	71	52	.	.	PUNCT
issue-771	72	1	therefore	therefore	ADV
issue-771	72	2	,	,	PUNCT
issue-771	72	3	in	in	ADP
issue-771	72	4	certain	certain	ADJ
issue-771	72	5	banking	banking	NOUN
issue-771	72	6	segments	segment	NOUN
issue-771	72	7	,	,	PUNCT
issue-771	72	8	the	the	DET
issue-771	72	9	use	use	NOUN
issue-771	72	10	of	of	ADP
issue-771	72	11	financial	financial	ADJ
issue-771	72	12	technologies	technology	NOUN
issue-771	72	13	is	be	AUX
issue-771	72	14	a	a	DET
issue-771	72	15	prerequisite	prerequisite	NOUN
issue-771	72	16	for	for	ADP
issue-771	72	17	the	the	DET
issue-771	72	18	provision	provision	NOUN
issue-771	72	19	of	of	ADP
issue-771	72	20	services	service	NOUN
issue-771	72	21	or	or	CCONJ
issue-771	72	22	transactions	transaction	NOUN
issue-771	72	23	.	.	PUNCT
issue-771	73	1	3.2	3.2	NUM
issue-771	73	2	.	.	PUNCT
issue-771	73	3	areas	area	NOUN
issue-771	73	4	of	of	ADP
issue-771	73	5	application	application	NOUN
issue-771	73	6	of	of	ADP
issue-771	73	7	financial	financial	ADJ
issue-771	73	8	technologies	technology	NOUN
issue-771	73	9	in	in	ADP
issue-771	73	10	the	the	DET
issue-771	73	11	bank	bank	NOUN
issue-771	73	12	's	's	PART
issue-771	73	13	activities	activity	NOUN
issue-771	73	14	in	in	ADP
issue-771	73	15	recent	recent	ADJ
issue-771	73	16	years	year	NOUN
issue-771	73	17	,	,	PUNCT
issue-771	73	18	digital	digital	ADJ
issue-771	73	19	technologies	technology	NOUN
issue-771	73	20	such	such	ADJ
issue-771	73	21	as	as	ADP
issue-771	73	22	big	big	ADJ
issue-771	73	23	data	datum	NOUN
issue-771	73	24	,	,	PUNCT
issue-771	73	25	artificial	artificial	ADJ
issue-771	73	26	intelligence	intelligence	NOUN
issue-771	73	27	,	,	PUNCT
issue-771	73	28	biometrics	biometric	NOUN
issue-771	73	29	and	and	CCONJ
issue-771	73	30	blockchain	blockchain	PROPN
issue-771	73	31	have	have	AUX
issue-771	73	32	become	become	VERB
issue-771	73	33	widespread	widespread	ADJ
issue-771	73	34	in	in	ADP
issue-771	73	35	digital	digital	ADJ
issue-771	73	36	banking	banking	NOUN
issue-771	73	37	.	.	PUNCT
issue-771	74	1	previously	previously	ADV
issue-771	74	2	,	,	PUNCT
issue-771	74	3	financial	financial	ADJ
issue-771	74	4	technology	technology	NOUN
issue-771	74	5	tools	tool	NOUN
issue-771	74	6	in	in	ADP
issue-771	74	7	the	the	DET
issue-771	74	8	bank	bank	NOUN
issue-771	74	9	were	be	AUX
issue-771	74	10	used	use	VERB
issue-771	74	11	,	,	PUNCT
issue-771	74	12	as	as	ADP
issue-771	74	13	a	a	DET
issue-771	74	14	rule	rule	NOUN
issue-771	74	15	,	,	PUNCT
issue-771	74	16	in	in	ADP
issue-771	74	17	the	the	DET
issue-771	74	18	form	form	NOUN
issue-771	74	19	of	of	ADP
issue-771	74	20	software	software	NOUN
issue-771	74	21	for	for	ADP
issue-771	74	22	keeping	keep	VERB
issue-771	74	23	accounts	account	NOUN
issue-771	74	24	,	,	PUNCT
issue-771	74	25	transactions	transaction	NOUN
issue-771	74	26	,	,	PUNCT
issue-771	74	27	managing	manage	VERB
issue-771	74	28	customer	customer	NOUN
issue-771	74	29	databases	database	NOUN
issue-771	74	30	,	,	PUNCT
issue-771	74	31	now	now	ADV
issue-771	74	32	they	they	PRON
issue-771	74	33	can	can	AUX
issue-771	74	34	be	be	AUX
issue-771	74	35	used	use	VERB
issue-771	74	36	in	in	ADP
issue-771	74	37	most	most	ADJ
issue-771	74	38	banking	banking	NOUN
issue-771	74	39	operations	operation	NOUN
issue-771	74	40	(	(	PUNCT
issue-771	74	41	table	table	NOUN
issue-771	74	42	1	1	NUM
issue-771	74	43	)	)	PUNCT
issue-771	74	44	.	.	PUNCT
issue-771	75	1	according	accord	VERB
issue-771	75	2	to	to	ADP
issue-771	75	3	table	table	NOUN
issue-771	75	4	1	1	NUM
issue-771	75	5	,	,	PUNCT
issue-771	75	6	the	the	DET
issue-771	75	7	financial	financial	ADJ
issue-771	75	8	technologies	technology	NOUN
issue-771	75	9	in	in	ADP
issue-771	75	10	digital	digital	ADJ
issue-771	75	11	banking	banking	NOUN
issue-771	75	12	,	,	PUNCT
issue-771	75	13	depending	depend	VERB
issue-771	75	14	on	on	ADP
issue-771	75	15	the	the	DET
issue-771	75	16	area	area	NOUN
issue-771	75	17	of	of	ADP
issue-771	75	18	application	application	NOUN
issue-771	75	19	,	,	PUNCT
issue-771	75	20	can	can	AUX
issue-771	75	21	be	be	AUX
issue-771	75	22	divided	divide	VERB
issue-771	75	23	into	into	ADP
issue-771	75	24	two	two	NUM
issue-771	75	25	groups	group	NOUN
issue-771	75	26	,	,	PUNCT
issue-771	75	27	one	one	NUM
issue-771	75	28	of	of	ADP
issue-771	75	29	which	which	PRON
issue-771	75	30	is	be	AUX
issue-771	75	31	aimed	aim	VERB
issue-771	75	32	at	at	ADP
issue-771	75	33	developing	develop	VERB
issue-771	75	34	customer	customer	NOUN
issue-771	75	35	service	service	NOUN
issue-771	75	36	,	,	PUNCT
issue-771	75	37	the	the	DET
issue-771	75	38	other	other	ADJ
issue-771	75	39	is	be	AUX
issue-771	75	40	to	to	PART
issue-771	75	41	optimize	optimize	VERB
issue-771	75	42	the	the	DET
issue-771	75	43	operation	operation	NOUN
issue-771	75	44	of	of	ADP
issue-771	75	45	internal	internal	ADJ
issue-771	75	46	systems	system	NOUN
issue-771	75	47	.	.	PUNCT
issue-771	76	1	baltic	baltic	PROPN
issue-771	76	2	journal	journal	PROPN
issue-771	76	3	of	of	ADP
issue-771	76	4	economic	economic	ADJ
issue-771	76	5	studies	study	NOUN
issue-771	76	6	95	95	NUM
issue-771	76	7	vol	vol	NOUN
issue-771	76	8	.	.	PROPN
issue-771	77	1	6	6	NUM
issue-771	77	2	,	,	PUNCT
issue-771	77	3	no	no	INTJ
issue-771	77	4	.	.	NOUN
issue-771	77	5	1	1	NUM
issue-771	77	6	,	,	PUNCT
issue-771	77	7	2020	2020	NUM
issue-771	77	8	3.3	3.3	NUM
issue-771	77	9	.	.	PUNCT
issue-771	78	1	dominant	dominant	ADJ
issue-771	78	2	financial	financial	ADJ
issue-771	78	3	technologies	technology	NOUN
issue-771	78	4	in	in	ADP
issue-771	78	5	digital	digital	ADJ
issue-771	78	6	banking	banking	NOUN
issue-771	78	7	dominant	dominant	ADJ
issue-771	78	8	financial	financial	ADJ
issue-771	78	9	technologies	technology	NOUN
issue-771	78	10	in	in	ADP
issue-771	78	11	digital	digital	ADJ
issue-771	78	12	banking	banking	NOUN
issue-771	78	13	aimed	aim	VERB
issue-771	78	14	at	at	ADP
issue-771	78	15	developing	develop	VERB
issue-771	78	16	customer	customer	NOUN
issue-771	78	17	service	service	NOUN
issue-771	78	18	are	be	AUX
issue-771	78	19	artificial	artificial	ADJ
issue-771	78	20	intelligence	intelligence	NOUN
issue-771	78	21	,	,	PUNCT
issue-771	78	22	biometrics	biometric	NOUN
issue-771	78	23	and	and	CCONJ
issue-771	78	24	open	open	ADJ
issue-771	78	25	banking	banking	NOUN
issue-771	78	26	services	service	NOUN
issue-771	78	27	.	.	PUNCT
issue-771	79	1	open	open	ADJ
issue-771	79	2	banking	banking	NOUN
issue-771	79	3	should	should	AUX
issue-771	79	4	be	be	AUX
issue-771	79	5	understood	understand	VERB
issue-771	79	6	as	as	ADP
issue-771	79	7	a	a	DET
issue-771	79	8	set	set	NOUN
issue-771	79	9	of	of	ADP
issue-771	79	10	rules	rule	NOUN
issue-771	79	11	that	that	PRON
issue-771	79	12	give	give	VERB
issue-771	79	13	users	user	NOUN
issue-771	79	14	access	access	NOUN
issue-771	79	15	to	to	ADP
issue-771	79	16	information	information	NOUN
issue-771	79	17	from	from	ADP
issue-771	79	18	various	various	ADJ
issue-771	79	19	financial	financial	ADJ
issue-771	79	20	institutions	institution	NOUN
issue-771	79	21	(	(	PUNCT
issue-771	79	22	banks	bank	NOUN
issue-771	79	23	,	,	PUNCT
issue-771	79	24	payment	payment	NOUN
issue-771	79	25	service	service	NOUN
issue-771	79	26	providers	provider	NOUN
issue-771	79	27	,	,	PUNCT
issue-771	79	28	insurance	insurance	NOUN
issue-771	79	29	companies	company	NOUN
issue-771	79	30	)	)	PUNCT
issue-771	79	31	through	through	ADP
issue-771	79	32	application	application	NOUN
issue-771	79	33	programming	programming	NOUN
issue-771	79	34	interfaces	interface	NOUN
issue-771	79	35	(	(	PUNCT
issue-771	79	36	ifrim	ifrim	ADJ
issue-771	79	37	,	,	PUNCT
issue-771	79	38	2019	2019	NUM
issue-771	79	39	)	)	PUNCT
issue-771	79	40	.	.	PUNCT
issue-771	80	1	the	the	DET
issue-771	80	2	development	development	NOUN
issue-771	80	3	of	of	ADP
issue-771	80	4	open	open	ADJ
issue-771	80	5	banking	banking	NOUN
issue-771	80	6	creates	create	VERB
issue-771	80	7	new	new	ADJ
issue-771	80	8	opportunities	opportunity	NOUN
issue-771	80	9	for	for	ADP
issue-771	80	10	both	both	DET
issue-771	80	11	banks	bank	NOUN
issue-771	80	12	and	and	CCONJ
issue-771	80	13	consumers	consumer	NOUN
issue-771	80	14	.	.	PUNCT
issue-771	81	1	for	for	ADP
issue-771	81	2	banks	bank	NOUN
issue-771	81	3	,	,	PUNCT
issue-771	81	4	open	open	ADJ
issue-771	81	5	banking	banking	NOUN
issue-771	81	6	allows	allow	VERB
issue-771	81	7	to	to	PART
issue-771	81	8	retain	retain	VERB
issue-771	81	9	customers	customer	NOUN
issue-771	81	10	and	and	CCONJ
issue-771	81	11	increase	increase	VERB
issue-771	81	12	product	product	NOUN
issue-771	81	13	value	value	NOUN
issue-771	81	14	through	through	ADP
issue-771	81	15	additional	additional	ADJ
issue-771	81	16	services	service	NOUN
issue-771	81	17	.	.	PUNCT
issue-771	82	1	in	in	ADP
issue-771	82	2	the	the	DET
issue-771	82	3	retail	retail	ADJ
issue-771	82	4	banking	banking	NOUN
issue-771	82	5	segment	segment	NOUN
issue-771	82	6	,	,	PUNCT
issue-771	82	7	open	open	ADJ
issue-771	82	8	banking	banking	NOUN
issue-771	82	9	helps	help	VERB
issue-771	82	10	to	to	PART
issue-771	82	11	eliminate	eliminate	VERB
issue-771	82	12	the	the	DET
issue-771	82	13	difficulties	difficulty	NOUN
issue-771	82	14	of	of	ADP
issue-771	82	15	registering	register	VERB
issue-771	82	16	new	new	ADJ
issue-771	82	17	customers	customer	NOUN
issue-771	82	18	,	,	PUNCT
issue-771	82	19	creating	create	VERB
issue-771	82	20	personalized	personalize	VERB
issue-771	82	21	offers	offer	NOUN
issue-771	82	22	based	base	VERB
issue-771	82	23	on	on	ADP
issue-771	82	24	customer	customer	NOUN
issue-771	82	25	behavior	behavior	NOUN
issue-771	82	26	.	.	PUNCT
issue-771	83	1	and	and	CCONJ
issue-771	83	2	in	in	ADP
issue-771	83	3	the	the	DET
issue-771	83	4	retail	retail	ADJ
issue-771	83	5	segment	segment	NOUN
issue-771	83	6	,	,	PUNCT
issue-771	83	7	open	open	ADJ
issue-771	83	8	banking	banking	NOUN
issue-771	83	9	allows	allow	VERB
issue-771	83	10	to	to	PART
issue-771	83	11	inform	inform	VERB
issue-771	83	12	the	the	DET
issue-771	83	13	customers	customer	NOUN
issue-771	83	14	about	about	ADP
issue-771	83	15	the	the	DET
issue-771	83	16	balance	balance	NOUN
issue-771	83	17	,	,	PUNCT
issue-771	83	18	electronic	electronic	ADJ
issue-771	83	19	receipts	receipt	NOUN
issue-771	83	20	and	and	CCONJ
issue-771	83	21	transaction	transaction	NOUN
issue-771	83	22	history	history	NOUN
issue-771	83	23	.	.	PUNCT
issue-771	84	1	for	for	ADP
issue-771	84	2	customers	customer	NOUN
issue-771	84	3	,	,	PUNCT
issue-771	84	4	the	the	DET
issue-771	84	5	advantages	advantage	NOUN
issue-771	84	6	of	of	ADP
issue-771	84	7	open	open	ADJ
issue-771	84	8	banking	banking	NOUN
issue-771	84	9	are	be	AUX
issue-771	84	10	the	the	DET
issue-771	84	11	ability	ability	NOUN
issue-771	84	12	to	to	PART
issue-771	84	13	obtain	obtain	VERB
issue-771	84	14	financial	financial	ADJ
issue-771	84	15	management	management	NOUN
issue-771	84	16	services	service	NOUN
issue-771	84	17	,	,	PUNCT
issue-771	84	18	view	view	VERB
issue-771	84	19	their	their	PRON
issue-771	84	20	accounts	account	NOUN
issue-771	84	21	at	at	ADP
issue-771	84	22	different	different	ADJ
issue-771	84	23	banks	bank	NOUN
issue-771	84	24	in	in	ADP
issue-771	84	25	one	one	NUM
issue-771	84	26	place	place	NOUN
issue-771	84	27	.	.	PUNCT
issue-771	85	1	examples	example	NOUN
issue-771	85	2	of	of	ADP
issue-771	85	3	consumer	consumer	NOUN
issue-771	85	4	benefits	benefit	NOUN
issue-771	85	5	include	include	VERB
issue-771	85	6	paying	pay	VERB
issue-771	85	7	for	for	ADP
issue-771	85	8	taxi	taxi	NOUN
issue-771	85	9	via	via	ADP
issue-771	85	10	the	the	DET
issue-771	85	11	bank	bank	NOUN
issue-771	85	12	application	application	NOUN
issue-771	85	13	p2p	p2p	NOUN
issue-771	85	14	,	,	PUNCT
issue-771	85	15	purchasing	purchase	VERB
issue-771	85	16	a	a	DET
issue-771	85	17	ticket	ticket	NOUN
issue-771	85	18	with	with	ADP
issue-771	85	19	travel	travel	NOUN
issue-771	85	20	insurance	insurance	NOUN
issue-771	85	21	,	,	PUNCT
issue-771	85	22	etc	etc	X
issue-771	85	23	.	.	X
issue-771	85	24	for	for	ADP
issue-771	85	25	corporate	corporate	ADJ
issue-771	85	26	clients	client	NOUN
issue-771	85	27	,	,	PUNCT
issue-771	85	28	the	the	DET
issue-771	85	29	open	open	ADJ
issue-771	85	30	banking	banking	NOUN
issue-771	85	31	allows	allow	VERB
issue-771	85	32	to	to	PART
issue-771	85	33	manage	manage	VERB
issue-771	85	34	liquidity	liquidity	NOUN
issue-771	85	35	,	,	PUNCT
issue-771	85	36	maintain	maintain	VERB
issue-771	85	37	accounting	accounting	NOUN
issue-771	85	38	and	and	CCONJ
issue-771	85	39	tax	tax	NOUN
issue-771	85	40	records	record	NOUN
issue-771	85	41	.	.	PUNCT
issue-771	86	1	the	the	DET
issue-771	86	2	results	result	NOUN
issue-771	86	3	of	of	ADP
issue-771	86	4	the	the	DET
issue-771	86	5	2018	2018	NUM
issue-771	86	6	accenture	accenture	NOUN
issue-771	86	7	open	open	ADJ
issue-771	86	8	banking	banking	NOUN
issue-771	86	9	for	for	ADP
issue-771	86	10	businesses	business	NOUN
issue-771	86	11	survey	survey	NOUN
issue-771	86	12	indicate	indicate	VERB
issue-771	86	13	that	that	SCONJ
issue-771	86	14	77	77	NUM
issue-771	86	15	%	%	NOUN
issue-771	86	16	of	of	ADP
issue-771	86	17	corporations	corporation	NOUN
issue-771	86	18	have	have	AUX
issue-771	86	19	already	already	ADV
issue-771	86	20	participated	participate	VERB
issue-771	86	21	in	in	ADP
issue-771	86	22	,	,	PUNCT
issue-771	86	23	or	or	CCONJ
issue-771	86	24	plan	plan	VERB
issue-771	86	25	to	to	PART
issue-771	86	26	do	do	VERB
issue-771	86	27	,	,	PUNCT
issue-771	86	28	open	open	ADJ
issue-771	86	29	-	-	PUNCT
issue-771	86	30	source	source	NOUN
issue-771	86	31	platforms	platform	NOUN
issue-771	86	32	,	,	PUNCT
issue-771	86	33	mainly	mainly	ADV
issue-771	86	34	payments	payment	NOUN
issue-771	86	35	and	and	CCONJ
issue-771	86	36	cost	cost	NOUN
issue-771	86	37	management	management	NOUN
issue-771	86	38	(	(	PUNCT
issue-771	86	39	ifrim	ifrim	ADJ
issue-771	86	40	,	,	PUNCT
issue-771	86	41	2019	2019	NUM
issue-771	86	42	)	)	PUNCT
issue-771	86	43	.	.	PUNCT
issue-771	87	1	in	in	ADP
issue-771	87	2	recent	recent	ADJ
issue-771	87	3	years	year	NOUN
issue-771	87	4	,	,	PUNCT
issue-771	87	5	artificial	artificial	ADJ
issue-771	87	6	intelligence	intelligence	NOUN
issue-771	87	7	technology	technology	NOUN
issue-771	87	8	in	in	ADP
issue-771	87	9	customer	customer	NOUN
issue-771	87	10	service	service	NOUN
issue-771	87	11	has	have	AUX
issue-771	87	12	become	become	VERB
issue-771	87	13	widespread	widespread	ADJ
issue-771	87	14	in	in	ADP
issue-771	87	15	digital	digital	ADJ
issue-771	87	16	banking	banking	NOUN
issue-771	87	17	,	,	PUNCT
issue-771	87	18	enabling	enable	VERB
issue-771	87	19	enhanced	enhanced	ADJ
issue-771	87	20	quality	quality	NOUN
issue-771	87	21	of	of	ADP
issue-771	87	22	service	service	NOUN
issue-771	87	23	through	through	ADP
issue-771	87	24	personalized	personalized	ADJ
issue-771	87	25	services	service	NOUN
issue-771	87	26	,	,	PUNCT
issue-771	87	27	prevention	prevention	NOUN
issue-771	87	28	of	of	ADP
issue-771	87	29	cybercrime	cybercrime	NOUN
issue-771	87	30	and	and	CCONJ
issue-771	87	31	fraud	fraud	NOUN
issue-771	87	32	.	.	PUNCT
issue-771	88	1	artificial	artificial	ADJ
issue-771	88	2	intelligence	intelligence	NOUN
issue-771	88	3	is	be	AUX
issue-771	88	4	used	use	VERB
issue-771	88	5	:	:	PUNCT
issue-771	88	6	–	–	PUNCT
issue-771	88	7	in	in	ADP
issue-771	88	8	2018	2018	NUM
issue-771	88	9	bank	bank	NOUN
issue-771	88	10	of	of	ADP
issue-771	88	11	america	america	PROPN
issue-771	88	12	launched	launch	VERB
issue-771	88	13	erica	erica	PROPN
issue-771	88	14	,	,	PUNCT
issue-771	88	15	a	a	DET
issue-771	88	16	virtual	virtual	ADJ
issue-771	88	17	assistant	assistant	NOUN
issue-771	88	18	,	,	PUNCT
issue-771	88	19	it	it	PRON
issue-771	88	20	uses	use	VERB
issue-771	88	21	predictive	predictive	ADJ
issue-771	88	22	analytics	analytic	NOUN
issue-771	88	23	and	and	CCONJ
issue-771	88	24	cognitive	cognitive	ADJ
issue-771	88	25	messaging	messaging	NOUN
issue-771	88	26	to	to	PART
issue-771	88	27	provide	provide	VERB
issue-771	88	28	financial	financial	ADJ
issue-771	88	29	guidance	guidance	NOUN
issue-771	88	30	to	to	ADP
issue-771	88	31	customers	customer	NOUN
issue-771	88	32	around	around	ADP
issue-771	88	33	the	the	DET
issue-771	88	34	clock	clock	NOUN
issue-771	88	35	.	.	PUNCT
issue-771	89	1	erica	erica	PROPN
issue-771	89	2	helps	help	VERB
issue-771	89	3	with	with	ADP
issue-771	89	4	balance	balance	NOUN
issue-771	89	5	information	information	NOUN
issue-771	89	6	,	,	PUNCT
issue-771	89	7	transaction	transaction	NOUN
issue-771	89	8	overview	overview	NOUN
issue-771	89	9	and	and	CCONJ
issue-771	89	10	payment	payment	NOUN
issue-771	89	11	planning	planning	NOUN
issue-771	89	12	.	.	PUNCT
issue-771	90	1	customers	customer	NOUN
issue-771	90	2	communicate	communicate	VERB
issue-771	90	3	with	with	ADP
issue-771	90	4	erica	erica	PROPN
issue-771	90	5	via	via	ADP
issue-771	90	6	voice	voice	NOUN
issue-771	90	7	or	or	CCONJ
issue-771	90	8	text	text	NOUN
issue-771	90	9	messages	message	NOUN
issue-771	90	10	;	;	PUNCT
issue-771	90	11	–	–	PUNCT
issue-771	90	12	bbva	bbva	PROPN
issue-771	90	13	uses	use	VERB
issue-771	90	14	bbva	bbva	PROPN
issue-771	90	15	valora	valora	PROPN
issue-771	90	16	to	to	PART
issue-771	90	17	calculate	calculate	VERB
issue-771	90	18	the	the	DET
issue-771	90	19	best	good	ADJ
issue-771	90	20	price	price	NOUN
issue-771	90	21	for	for	ADP
issue-771	90	22	renting	renting	NOUN
issue-771	90	23	,	,	PUNCT
issue-771	90	24	selling	sell	VERB
issue-771	90	25	or	or	CCONJ
issue-771	90	26	buying	buy	VERB
issue-771	90	27	a	a	DET
issue-771	90	28	property	property	NOUN
issue-771	90	29	,	,	PUNCT
issue-771	90	30	нome	нome	NOUN
issue-771	90	31	and	and	CCONJ
issue-771	90	32	baby	baby	NOUN
issue-771	90	33	planner	planner	NOUN
issue-771	90	34	help	help	NOUN
issue-771	90	35	to	to	PART
issue-771	90	36	understand	understand	VERB
issue-771	90	37	how	how	SCONJ
issue-771	90	38	starting	start	VERB
issue-771	90	39	a	a	DET
issue-771	90	40	family	family	NOUN
issue-771	90	41	and	and	CCONJ
issue-771	90	42	having	have	VERB
issue-771	90	43	a	a	DET
issue-771	90	44	baby	baby	NOUN
issue-771	90	45	will	will	AUX
issue-771	90	46	affect	affect	VERB
issue-771	90	47	your	your	PRON
issue-771	90	48	financial	financial	ADJ
issue-771	90	49	situation	situation	NOUN
issue-771	90	50	.	.	PUNCT
issue-771	91	1	the	the	DET
issue-771	91	2	bank	bank	NOUN
issue-771	91	3	also	also	ADV
issue-771	91	4	plans	plan	VERB
issue-771	91	5	to	to	PART
issue-771	91	6	launch	launch	VERB
issue-771	91	7	a	a	DET
issue-771	91	8	new	new	ADJ
issue-771	91	9	program	program	NOUN
issue-771	91	10	that	that	PRON
issue-771	91	11	uses	use	VERB
issue-771	91	12	biometric	biometric	ADJ
issue-771	91	13	technology	technology	NOUN
issue-771	91	14	to	to	ADP
issue-771	91	15	automate	automate	VERB
issue-771	91	16	payments	payment	NOUN
issue-771	91	17	,	,	PUNCT
issue-771	91	18	allowing	allow	VERB
issue-771	91	19	users	user	NOUN
issue-771	91	20	to	to	PART
issue-771	91	21	book	book	NOUN
issue-771	91	22	tables	table	NOUN
issue-771	91	23	at	at	ADP
issue-771	91	24	restaurants	restaurant	NOUN
issue-771	91	25	,	,	PUNCT
issue-771	91	26	place	place	NOUN
issue-771	91	27	orders	order	NOUN
issue-771	91	28	from	from	ADP
issue-771	91	29	their	their	PRON
issue-771	91	30	smartphone	smartphone	NOUN
issue-771	91	31	and	and	CCONJ
issue-771	91	32	pay	pay	VERB
issue-771	91	33	for	for	ADP
issue-771	91	34	food	food	NOUN
issue-771	91	35	without	without	ADP
issue-771	91	36	requiring	require	VERB
issue-771	91	37	an	an	DET
issue-771	91	38	account	account	NOUN
issue-771	91	39	;	;	PUNCT
issue-771	91	40	–	–	PUNCT
issue-771	91	41	citibank	citibank	PROPN
issue-771	91	42	has	have	AUX
issue-771	91	43	strategically	strategically	ADV
issue-771	91	44	invested	invest	VERB
issue-771	91	45	in	in	ADP
issue-771	91	46	a	a	DET
issue-771	91	47	leading	lead	VERB
issue-771	91	48	information	information	NOUN
issue-771	91	49	technology	technology	NOUN
issue-771	91	50	company	company	NOUN
issue-771	91	51	,	,	PUNCT
issue-771	91	52	feedzai	feedzai	ADV
issue-771	91	53	,	,	PUNCT
issue-771	91	54	to	to	PART
issue-771	91	55	alert	alert	VERB
issue-771	91	56	customers	customer	NOUN
issue-771	91	57	of	of	ADP
issue-771	91	58	fraudulent	fraudulent	ADJ
issue-771	91	59	actions	action	NOUN
issue-771	91	60	in	in	ADP
issue-771	91	61	real	real	ADJ
issue-771	91	62	time	time	NOUN
issue-771	91	63	;	;	PUNCT
issue-771	91	64	–	–	PUNCT
issue-771	91	65	jp	jp	INTJ
issue-771	91	66	morgan	morgan	PROPN
issue-771	91	67	chase	chase	PROPN
issue-771	91	68	launched	launch	VERB
issue-771	91	69	coin	coin	NOUN
issue-771	91	70	platform	platform	NOUN
issue-771	91	71	in	in	ADP
issue-771	91	72	2017	2017	NUM
issue-771	91	73	to	to	PART
issue-771	91	74	avoid	avoid	VERB
issue-771	91	75	errors	error	NOUN
issue-771	91	76	and	and	CCONJ
issue-771	91	77	reduce	reduce	VERB
issue-771	91	78	credit	credit	NOUN
issue-771	91	79	servicing	servicing	NOUN
issue-771	91	80	time	time	NOUN
issue-771	91	81	;	;	PUNCT
issue-771	91	82	–	–	PUNCT
issue-771	91	83	the	the	DET
issue-771	91	84	royal	royal	ADJ
issue-771	91	85	bank	bank	PROPN
issue-771	91	86	of	of	ADP
issue-771	91	87	scotland	scotland	PROPN
issue-771	91	88	uses	use	VERB
issue-771	91	89	an	an	DET
issue-771	91	90	automated	automate	VERB
issue-771	91	91	commercial	commercial	ADJ
issue-771	91	92	real	real	ADJ
issue-771	91	93	estate	estate	NOUN
issue-771	91	94	lending	lending	NOUN
issue-771	91	95	process	process	NOUN
issue-771	91	96	worth	worth	ADJ
issue-771	91	97	up	up	ADP
issue-771	91	98	to	to	PART
issue-771	91	99	2.7	2.7	NUM
issue-771	91	100	mln	mln	NUM
issue-771	91	101	usd	usd	NOUN
issue-771	91	102	in	in	ADP
issue-771	91	103	less	less	ADJ
issue-771	91	104	than	than	ADP
issue-771	91	105	45	45	NUM
issue-771	91	106	minutes	minute	NOUN
issue-771	91	107	away	away	ADV
issue-771	91	108	,	,	PUNCT
issue-771	91	109	although	although	SCONJ
issue-771	91	110	it	it	PRON
issue-771	91	111	usually	usually	ADV
issue-771	91	112	takes	take	VERB
issue-771	91	113	several	several	ADJ
issue-771	91	114	days	day	NOUN
issue-771	91	115	(	(	PUNCT
issue-771	91	116	w.up	w.up	NOUN
issue-771	91	117	,	,	PUNCT
issue-771	91	118	2018	2018	NUM
issue-771	91	119	)	)	PUNCT
issue-771	91	120	.	.	PUNCT
issue-771	92	1	the	the	DET
issue-771	92	2	most	most	ADV
issue-771	92	3	common	common	ADJ
issue-771	92	4	areas	area	NOUN
issue-771	92	5	of	of	ADP
issue-771	92	6	artificial	artificial	ADJ
issue-771	92	7	intelligence	intelligence	NOUN
issue-771	92	8	in	in	ADP
issue-771	92	9	banks	bank	NOUN
issue-771	92	10	include	include	VERB
issue-771	92	11	:	:	PUNCT
issue-771	92	12	customer	customer	NOUN
issue-771	92	13	information	information	NOUN
issue-771	92	14	support	support	NOUN
issue-771	92	15	,	,	PUNCT
issue-771	92	16	which	which	PRON
issue-771	92	17	involves	involve	VERB
issue-771	92	18	directing	direct	VERB
issue-771	92	19	them	they	PRON
issue-771	92	20	to	to	ADP
issue-771	92	21	the	the	DET
issue-771	92	22	appropriate	appropriate	ADJ
issue-771	92	23	source	source	NOUN
issue-771	92	24	of	of	ADP
issue-771	92	25	information	information	NOUN
issue-771	92	26	and	and	CCONJ
issue-771	92	27	reducing	reduce	VERB
issue-771	92	28	the	the	DET
issue-771	92	29	burden	burden	NOUN
issue-771	92	30	on	on	ADP
issue-771	92	31	bank	bank	NOUN
issue-771	92	32	employees	employee	NOUN
issue-771	92	33	;	;	PUNCT
issue-771	92	34	accumulation	accumulation	NOUN
issue-771	92	35	of	of	ADP
issue-771	92	36	customer	customer	NOUN
issue-771	92	37	data	datum	NOUN
issue-771	92	38	;	;	PUNCT
issue-771	92	39	carrying	carry	VERB
issue-771	92	40	out	out	ADP
issue-771	92	41	of	of	ADP
issue-771	92	42	individual	individual	ADJ
issue-771	92	43	banking	banking	NOUN
issue-771	92	44	transactions	transaction	NOUN
issue-771	92	45	by	by	ADP
issue-771	92	46	means	mean	NOUN
issue-771	92	47	of	of	ADP
issue-771	92	48	chatbots	chatbot	NOUN
issue-771	92	49	,	,	PUNCT
issue-771	92	50	in	in	ADP
issue-771	92	51	particular	particular	ADJ
issue-771	92	52	,	,	PUNCT
issue-771	92	53	opening	opening	NOUN
issue-771	92	54	or	or	CCONJ
issue-771	92	55	closing	closing	NOUN
issue-771	92	56	of	of	ADP
issue-771	92	57	an	an	DET
issue-771	92	58	account	account	NOUN
issue-771	92	59	,	,	PUNCT
issue-771	92	60	transfer	transfer	NOUN
issue-771	92	61	of	of	ADP
issue-771	92	62	funds	fund	NOUN
issue-771	92	63	;	;	PUNCT
issue-771	92	64	the	the	DET
issue-771	92	65	provision	provision	NOUN
issue-771	92	66	of	of	ADP
issue-771	92	67	services	service	NOUN
issue-771	92	68	based	base	VERB
issue-771	92	69	on	on	ADP
issue-771	92	70	consumer	consumer	NOUN
issue-771	92	71	behavior	behavior	NOUN
issue-771	92	72	,	,	PUNCT
issue-771	92	73	which	which	PRON
issue-771	92	74	is	be	AUX
issue-771	92	75	analyzed	analyze	VERB
issue-771	92	76	through	through	ADP
issue-771	92	77	smart	smart	ADJ
issue-771	92	78	programs	program	NOUN
issue-771	92	79	;	;	PUNCT
issue-771	92	80	providing	provide	VERB
issue-771	92	81	advice	advice	NOUN
issue-771	92	82	to	to	ADP
issue-771	92	83	clients	client	NOUN
issue-771	92	84	on	on	ADP
issue-771	92	85	managing	manage	VERB
issue-771	92	86	their	their	PRON
issue-771	92	87	assets	asset	NOUN
issue-771	92	88	and	and	CCONJ
issue-771	92	89	spending	spend	VERB
issue-771	92	90	through	through	ADP
issue-771	92	91	digital	digital	ADJ
issue-771	92	92	assistants	assistant	NOUN
issue-771	92	93	;	;	PUNCT
issue-771	92	94	development	development	NOUN
issue-771	92	95	of	of	ADP
issue-771	92	96	investment	investment	NOUN
issue-771	92	97	plans	plan	NOUN
issue-771	92	98	for	for	ADP
issue-771	92	99	clients	client	NOUN
issue-771	92	100	based	base	VERB
issue-771	92	101	on	on	ADP
issue-771	92	102	real	real	ADJ
issue-771	92	103	-	-	PUNCT
issue-771	92	104	time	time	NOUN
issue-771	92	105	data	datum	NOUN
issue-771	92	106	from	from	ADP
issue-771	92	107	financial	financial	ADJ
issue-771	92	108	markets	market	NOUN
issue-771	92	109	.	.	PUNCT
issue-771	93	1	table	table	NOUN
issue-771	93	2	1	1	NUM
issue-771	93	3	dominant	dominant	ADJ
issue-771	93	4	ideas	idea	NOUN
issue-771	93	5	of	of	ADP
issue-771	93	6	financial	financial	ADJ
issue-771	93	7	technology	technology	NOUN
issue-771	93	8	in	in	ADP
issue-771	93	9	digital	digital	ADJ
issue-771	93	10	banking	banking	NOUN
issue-771	93	11	area	area	NOUN
issue-771	93	12	of	of	ADP
issue-771	93	13	application	application	NOUN
issue-771	93	14	(	(	PUNCT
issue-771	93	15	dominant	dominant	ADJ
issue-771	93	16	ideas	idea	NOUN
issue-771	93	17	)	)	PUNCT
issue-771	93	18	big	big	ADJ
issue-771	93	19	data	data	PROPN
issue-771	93	20	artificial	artificial	ADJ
issue-771	93	21	intelligence	intelligence	NOUN
issue-771	93	22	biometrics	biometric	NOUN
issue-771	93	23	blockchain	blockchain	NOUN
issue-771	93	24	analysis	analysis	NOUN
issue-771	93	25	of	of	ADP
issue-771	93	26	customer	customer	NOUN
issue-771	93	27	behavior	behavior	NOUN
issue-771	93	28	+	+	CCONJ
issue-771	93	29	+	+	NUM
issue-771	93	30	transaction	transaction	NOUN
issue-771	93	31	monitoring	monitoring	NOUN
issue-771	93	32	+	+	CCONJ
issue-771	94	1	+	+	CCONJ
issue-771	94	2	+	+	CCONJ
issue-771	94	3	customer	customer	NOUN
issue-771	94	4	segmentation	segmentation	NOUN
issue-771	94	5	+	+	CCONJ
issue-771	94	6	+	+	CCONJ
issue-771	94	7	customer	customer	NOUN
issue-771	94	8	identification	identification	NOUN
issue-771	94	9	+	+	CCONJ
issue-771	94	10	+	+	NUM
issue-771	94	11	fraud	fraud	NOUN
issue-771	94	12	management	management	NOUN
issue-771	94	13	+	+	CCONJ
issue-771	94	14	+	+	PUNCT
issue-771	94	15	+	+	CCONJ
issue-771	94	16	+	+	NUM
issue-771	94	17	personalization	personalization	NOUN
issue-771	94	18	of	of	ADP
issue-771	94	19	banking	banking	NOUN
issue-771	94	20	services	service	NOUN
issue-771	94	21	+	+	CCONJ
issue-771	94	22	+	+	CCONJ
issue-771	94	23	risk	risk	NOUN
issue-771	94	24	assessment	assessment	NOUN
issue-771	94	25	and	and	CCONJ
issue-771	94	26	regulatory	regulatory	ADJ
issue-771	94	27	compliance	compliance	NOUN
issue-771	94	28	+	+	CCONJ
issue-771	94	29	+	+	CCONJ
issue-771	94	30	customer	customer	NOUN
issue-771	94	31	response	response	NOUN
issue-771	94	32	analysis	analysis	NOUN
issue-771	94	33	+	+	X
issue-771	94	34	+	+	NUM
issue-771	94	35	process	process	NOUN
issue-771	94	36	automation	automation	NOUN
issue-771	94	37	+	+	CCONJ
issue-771	94	38	providing	provide	VERB
issue-771	94	39	financial	financial	ADJ
issue-771	94	40	advice	advice	NOUN
issue-771	94	41	+	+	CCONJ
issue-771	94	42	+	+	CCONJ
issue-771	94	43	investment	investment	NOUN
issue-771	94	44	decision	decision	NOUN
issue-771	94	45	-	-	PUNCT
issue-771	94	46	making	make	VERB
issue-771	94	47	+	+	CCONJ
issue-771	95	1	+	+	CCONJ
issue-771	95	2	+	+	NUM
issue-771	95	3	trade	trade	NOUN
issue-771	95	4	facilitation	facilitation	NOUN
issue-771	95	5	+	+	CCONJ
issue-771	95	6	syndicated	syndicate	VERB
issue-771	95	7	loan	loan	NOUN
issue-771	95	8	services	service	NOUN
issue-771	95	9	+	+	CCONJ
issue-771	95	10	p2p	p2p	NOUN
issue-771	95	11	transfers	transfer	NOUN
issue-771	95	12	+	+	CCONJ
issue-771	95	13	source	source	NOUN
issue-771	95	14	:	:	PUNCT
issue-771	95	15	complied	comply	VERB
issue-771	95	16	by	by	ADP
issue-771	95	17	the	the	DET
issue-771	95	18	authors	author	NOUN
issue-771	95	19	baltic	baltic	PROPN
issue-771	95	20	journal	journal	PROPN
issue-771	95	21	of	of	ADP
issue-771	95	22	economic	economic	ADJ
issue-771	95	23	studies	study	NOUN
issue-771	95	24	96	96	NUM
issue-771	95	25	vol	vol	NOUN
issue-771	95	26	.	.	PROPN
issue-771	96	1	6	6	NUM
issue-771	96	2	,	,	PUNCT
issue-771	96	3	no	no	INTJ
issue-771	96	4	.	.	NOUN
issue-771	96	5	1	1	NUM
issue-771	96	6	,	,	PUNCT
issue-771	96	7	2020	2020	NUM
issue-771	96	8	an	an	DET
issue-771	96	9	important	important	ADJ
issue-771	96	10	technology	technology	NOUN
issue-771	96	11	used	use	VERB
issue-771	96	12	in	in	ADP
issue-771	96	13	working	work	VERB
issue-771	96	14	with	with	ADP
issue-771	96	15	clients	client	NOUN
issue-771	96	16	in	in	ADP
issue-771	96	17	digital	digital	ADJ
issue-771	96	18	banking	banking	NOUN
issue-771	96	19	is	be	AUX
issue-771	96	20	biometrics	biometric	NOUN
issue-771	96	21	.	.	PUNCT
issue-771	97	1	the	the	DET
issue-771	97	2	fingerprint	fingerprint	NOUN
issue-771	97	3	recognition	recognition	NOUN
issue-771	97	4	,	,	PUNCT
issue-771	97	5	which	which	PRON
issue-771	97	6	was	be	AUX
issue-771	97	7	first	first	ADV
issue-771	97	8	applied	apply	VERB
issue-771	97	9	in	in	ADP
issue-771	97	10	2013	2013	NUM
issue-771	97	11	on	on	ADP
issue-771	97	12	apple	apple	NOUN
issue-771	97	13	smartphones	smartphone	NOUN
issue-771	97	14	with	with	ADP
issue-771	97	15	touch	touch	NOUN
issue-771	97	16	i	i	PROPN
issue-771	97	17	d	d	PROPN
issue-771	97	18	,	,	PUNCT
issue-771	97	19	has	have	AUX
issue-771	97	20	now	now	ADV
issue-771	97	21	caught	catch	VERB
issue-771	97	22	the	the	DET
issue-771	97	23	attention	attention	NOUN
issue-771	97	24	of	of	ADP
issue-771	97	25	most	most	ADJ
issue-771	97	26	of	of	ADP
issue-771	97	27	the	the	DET
issue-771	97	28	world	world	NOUN
issue-771	97	29	's	's	PART
issue-771	97	30	banks	bank	NOUN
issue-771	97	31	.	.	PUNCT
issue-771	98	1	nowadays	nowadays	ADV
issue-771	98	2	,	,	PUNCT
issue-771	98	3	contactless	contactless	PROPN
issue-771	98	4	atms	atms	NOUN
issue-771	98	5	with	with	ADP
issue-771	98	6	the	the	DET
issue-771	98	7	use	use	NOUN
issue-771	98	8	of	of	ADP
issue-771	98	9	smartphone	smartphone	NOUN
issue-771	98	10	and	and	CCONJ
issue-771	98	11	biometrics	biometric	NOUN
issue-771	98	12	are	be	AUX
issue-771	98	13	becoming	become	VERB
issue-771	98	14	more	more	ADV
issue-771	98	15	popular	popular	ADJ
issue-771	98	16	.	.	PUNCT
issue-771	99	1	biometric	biometric	ADJ
issue-771	99	2	atm	atm	PROPN
issue-771	99	3	user	user	NOUN
issue-771	99	4	authentication	authentication	NOUN
issue-771	99	5	is	be	AUX
issue-771	99	6	already	already	ADV
issue-771	99	7	in	in	ADP
issue-771	99	8	place	place	NOUN
issue-771	99	9	in	in	ADP
issue-771	99	10	india	india	PROPN
issue-771	99	11	,	,	PUNCT
issue-771	99	12	japan	japan	PROPN
issue-771	99	13	,	,	PUNCT
issue-771	99	14	china	china	PROPN
issue-771	99	15	,	,	PUNCT
issue-771	99	16	and	and	CCONJ
issue-771	99	17	iris	iris	NOUN
issue-771	99	18	authentication	authentication	NOUN
issue-771	99	19	in	in	ADP
issue-771	99	20	qatar	qatar	PROPN
issue-771	99	21	.	.	PUNCT
issue-771	100	1	therefore	therefore	ADV
issue-771	100	2	,	,	PUNCT
issue-771	100	3	there	there	PRON
issue-771	100	4	are	be	VERB
issue-771	100	5	80	80	NUM
issue-771	100	6	000	000	NUM
issue-771	100	7	atms	atms	PROPN
issue-771	100	8	in	in	ADP
issue-771	100	9	japan	japan	PROPN
issue-771	100	10	with	with	ADP
issue-771	100	11	biometric	biometric	ADJ
issue-771	100	12	identification	identification	NOUN
issue-771	100	13	of	of	ADP
issue-771	100	14	more	more	ADJ
issue-771	100	15	than	than	ADP
issue-771	100	16	15	15	NUM
issue-771	100	17	million	million	NUM
issue-771	100	18	customers	customer	NOUN
issue-771	100	19	.	.	PUNCT
issue-771	101	1	at	at	ADP
issue-771	101	2	the	the	DET
issue-771	101	3	same	same	ADJ
issue-771	101	4	time	time	NOUN
issue-771	101	5	,	,	PUNCT
issue-771	101	6	in	in	ADP
issue-771	101	7	april	april	PROPN
issue-771	101	8	2017	2017	NUM
issue-771	101	9	,	,	PUNCT
issue-771	101	10	the	the	DET
issue-771	101	11	international	international	ADJ
issue-771	101	12	payment	payment	NOUN
issue-771	101	13	corporation	corporation	PROPN
issue-771	101	14	mastercard	mastercard	PROPN
issue-771	101	15	worldwide	worldwide	ADV
issue-771	101	16	announced	announce	VERB
issue-771	101	17	a	a	DET
issue-771	101	18	biometric	biometric	ADJ
issue-771	101	19	credit	credit	NOUN
issue-771	101	20	card	card	NOUN
issue-771	101	21	(	(	PUNCT
issue-771	101	22	thakkar	thakkar	NOUN
issue-771	101	23	,	,	PUNCT
issue-771	101	24	2019	2019	NUM
issue-771	101	25	)	)	PUNCT
issue-771	101	26	.	.	PUNCT
issue-771	102	1	it	it	PRON
issue-771	102	2	is	be	AUX
issue-771	102	3	likely	likely	ADJ
issue-771	102	4	that	that	SCONJ
issue-771	102	5	next	next	ADJ
issue-771	102	6	-	-	PUNCT
issue-771	102	7	generation	generation	NOUN
issue-771	102	8	atms	atms	NOUN
issue-771	102	9	with	with	ADP
issue-771	102	10	fingerprints	fingerprint	NOUN
issue-771	102	11	will	will	AUX
issue-771	102	12	completely	completely	ADV
issue-771	102	13	replace	replace	VERB
issue-771	102	14	pin	pin	NOUN
issue-771	102	15	-	-	PUNCT
issue-771	102	16	based	base	VERB
issue-771	102	17	atms	atms	NOUN
issue-771	102	18	.	.	PUNCT
issue-771	103	1	according	accord	VERB
issue-771	103	2	to	to	ADP
issue-771	103	3	the	the	DET
issue-771	103	4	above	above	NOUN
issue-771	103	5	,	,	PUNCT
issue-771	103	6	it	it	PRON
issue-771	103	7	follows	follow	VERB
issue-771	103	8	that	that	SCONJ
issue-771	103	9	digital	digital	ADJ
issue-771	103	10	banking	banking	NOUN
issue-771	103	11	financial	financial	ADJ
issue-771	103	12	technologies	technology	NOUN
issue-771	103	13	aimed	aim	VERB
issue-771	103	14	at	at	ADP
issue-771	103	15	developing	develop	VERB
issue-771	103	16	customer	customer	NOUN
issue-771	103	17	service	service	NOUN
issue-771	103	18	are	be	AUX
issue-771	103	19	artificial	artificial	ADJ
issue-771	103	20	intelligence	intelligence	NOUN
issue-771	103	21	,	,	PUNCT
issue-771	103	22	biometrics	biometric	NOUN
issue-771	103	23	and	and	CCONJ
issue-771	103	24	open	open	ADJ
issue-771	103	25	banking	banking	NOUN
issue-771	103	26	services	service	NOUN
issue-771	103	27	.	.	PUNCT
issue-771	104	1	the	the	DET
issue-771	104	2	use	use	NOUN
issue-771	104	3	of	of	ADP
issue-771	104	4	these	these	DET
issue-771	104	5	financial	financial	ADJ
issue-771	104	6	technology	technology	NOUN
issue-771	104	7	tools	tool	NOUN
issue-771	104	8	helps	help	VERB
issue-771	104	9	to	to	PART
issue-771	104	10	improve	improve	VERB
issue-771	104	11	the	the	DET
issue-771	104	12	quality	quality	NOUN
issue-771	104	13	of	of	ADP
issue-771	104	14	customer	customer	NOUN
issue-771	104	15	service	service	NOUN
issue-771	104	16	and	and	CCONJ
issue-771	104	17	,	,	PUNCT
issue-771	104	18	consequently	consequently	ADV
issue-771	104	19	,	,	PUNCT
issue-771	104	20	to	to	PART
issue-771	104	21	expand	expand	VERB
issue-771	104	22	the	the	DET
issue-771	104	23	customer	customer	NOUN
issue-771	104	24	base	base	NOUN
issue-771	104	25	,	,	PUNCT
issue-771	104	26	while	while	SCONJ
issue-771	104	27	increasing	increase	VERB
issue-771	104	28	the	the	DET
issue-771	104	29	amount	amount	NOUN
issue-771	104	30	of	of	ADP
issue-771	104	31	revenue	revenue	NOUN
issue-771	104	32	in	in	ADP
issue-771	104	33	the	the	DET
issue-771	104	34	respective	respective	ADJ
issue-771	104	35	segment	segment	NOUN
issue-771	104	36	.	.	PUNCT
issue-771	105	1	dominant	dominant	ADJ
issue-771	105	2	financial	financial	ADJ
issue-771	105	3	technologies	technology	NOUN
issue-771	105	4	in	in	ADP
issue-771	105	5	digital	digital	ADJ
issue-771	105	6	banking	banking	NOUN
issue-771	105	7	aimed	aim	VERB
issue-771	105	8	at	at	ADP
issue-771	105	9	optimizing	optimize	VERB
issue-771	105	10	the	the	DET
issue-771	105	11	operation	operation	NOUN
issue-771	105	12	of	of	ADP
issue-771	105	13	the	the	DET
issue-771	105	14	internal	internal	ADJ
issue-771	105	15	systems	system	NOUN
issue-771	105	16	of	of	ADP
issue-771	105	17	the	the	DET
issue-771	105	18	bank	bank	NOUN
issue-771	105	19	are	be	AUX
issue-771	105	20	cloud	cloud	ADJ
issue-771	105	21	technology	technology	NOUN
issue-771	105	22	,	,	PUNCT
issue-771	105	23	big	big	ADJ
issue-771	105	24	data	datum	NOUN
issue-771	105	25	,	,	PUNCT
issue-771	105	26	blockchain	blockchain	NOUN
issue-771	105	27	and	and	CCONJ
issue-771	105	28	artificial	artificial	ADJ
issue-771	105	29	intelligence	intelligence	NOUN
issue-771	105	30	.	.	PUNCT
issue-771	106	1	the	the	DET
issue-771	106	2	role	role	NOUN
issue-771	106	3	of	of	ADP
issue-771	106	4	big	big	ADJ
issue-771	106	5	data	datum	NOUN
issue-771	106	6	technology	technology	NOUN
issue-771	106	7	for	for	ADP
issue-771	106	8	banks	bank	NOUN
issue-771	106	9	is	be	AUX
issue-771	106	10	continuing	continue	VERB
issue-771	106	11	to	to	PART
issue-771	106	12	grow	grow	VERB
issue-771	106	13	.	.	PUNCT
issue-771	107	1	the	the	DET
issue-771	107	2	use	use	NOUN
issue-771	107	3	of	of	ADP
issue-771	107	4	big	big	ADJ
issue-771	107	5	data	datum	NOUN
issue-771	107	6	technology	technology	NOUN
issue-771	107	7	in	in	ADP
issue-771	107	8	digital	digital	ADJ
issue-771	107	9	banking	banking	NOUN
issue-771	107	10	enables	enable	VERB
issue-771	107	11	customer	customer	NOUN
issue-771	107	12	segmentation	segmentation	NOUN
issue-771	107	13	,	,	PUNCT
issue-771	107	14	which	which	PRON
issue-771	107	15	can	can	AUX
issue-771	107	16	save	save	VERB
issue-771	107	17	the	the	DET
issue-771	107	18	marketing	marketing	NOUN
issue-771	107	19	budget	budget	NOUN
issue-771	107	20	.	.	PUNCT
issue-771	108	1	as	as	ADV
issue-771	108	2	far	far	ADV
issue-771	108	3	as	as	ADP
issue-771	108	4	determining	determine	VERB
issue-771	108	5	the	the	DET
issue-771	108	6	position	position	NOUN
issue-771	108	7	of	of	ADP
issue-771	108	8	the	the	DET
issue-771	108	9	bank	bank	NOUN
issue-771	108	10	in	in	ADP
issue-771	108	11	the	the	DET
issue-771	108	12	market	market	NOUN
issue-771	108	13	,	,	PUNCT
issue-771	108	14	based	base	VERB
issue-771	108	15	on	on	ADP
issue-771	108	16	the	the	DET
issue-771	108	17	available	available	ADJ
issue-771	108	18	resources	resource	NOUN
issue-771	108	19	,	,	PUNCT
issue-771	108	20	will	will	AUX
issue-771	108	21	allow	allow	VERB
issue-771	108	22	us	we	PRON
issue-771	108	23	to	to	PART
issue-771	108	24	concentrate	concentrate	VERB
issue-771	108	25	efforts	effort	NOUN
issue-771	108	26	and	and	CCONJ
issue-771	108	27	direct	direct	ADJ
issue-771	108	28	actions	action	NOUN
issue-771	108	29	in	in	ADP
issue-771	108	30	the	the	DET
issue-771	108	31	direction	direction	NOUN
issue-771	108	32	that	that	PRON
issue-771	108	33	will	will	AUX
issue-771	108	34	ensure	ensure	VERB
issue-771	108	35	the	the	DET
issue-771	108	36	bank	bank	NOUN
issue-771	108	37	's	's	PART
issue-771	108	38	acquisition	acquisition	NOUN
issue-771	108	39	of	of	ADP
issue-771	108	40	achievable	achievable	ADJ
issue-771	108	41	market	market	NOUN
issue-771	108	42	share	share	NOUN
issue-771	108	43	,	,	PUNCT
issue-771	108	44	which	which	PRON
issue-771	108	45	will	will	AUX
issue-771	108	46	contribute	contribute	VERB
issue-771	108	47	to	to	ADP
issue-771	108	48	obtaining	obtain	VERB
issue-771	108	49	the	the	DET
issue-771	108	50	desired	desire	VERB
issue-771	108	51	result	result	NOUN
issue-771	108	52	.	.	PUNCT
issue-771	109	1	big	big	ADJ
issue-771	109	2	data	datum	NOUN
issue-771	109	3	technologies	technology	NOUN
issue-771	109	4	in	in	ADP
issue-771	109	5	digital	digital	ADJ
issue-771	109	6	banking	banking	NOUN
issue-771	109	7	are	be	AUX
issue-771	109	8	able	able	ADJ
issue-771	109	9	to	to	PART
issue-771	109	10	solve	solve	VERB
issue-771	109	11	the	the	DET
issue-771	109	12	problems	problem	NOUN
issue-771	109	13	of	of	ADP
issue-771	109	14	business	business	NOUN
issue-771	109	15	process	process	NOUN
issue-771	109	16	optimization	optimization	NOUN
issue-771	109	17	and	and	CCONJ
issue-771	109	18	automation	automation	NOUN
issue-771	109	19	,	,	PUNCT
issue-771	109	20	which	which	PRON
issue-771	109	21	will	will	AUX
issue-771	109	22	allow	allow	VERB
issue-771	109	23	banks	bank	NOUN
issue-771	109	24	,	,	PUNCT
issue-771	109	25	on	on	ADP
issue-771	109	26	the	the	DET
issue-771	109	27	one	one	NUM
issue-771	109	28	hand	hand	NOUN
issue-771	109	29	,	,	PUNCT
issue-771	109	30	to	to	PART
issue-771	109	31	save	save	VERB
issue-771	109	32	resources	resource	NOUN
issue-771	109	33	,	,	PUNCT
issue-771	109	34	and	and	CCONJ
issue-771	109	35	on	on	ADP
issue-771	109	36	the	the	DET
issue-771	109	37	other	other	ADJ
issue-771	109	38	hand	hand	NOUN
issue-771	109	39	,	,	PUNCT
issue-771	109	40	to	to	PART
issue-771	109	41	reduce	reduce	VERB
issue-771	109	42	operational	operational	ADJ
issue-771	109	43	risks	risk	NOUN
issue-771	109	44	.	.	PUNCT
issue-771	110	1	however	however	ADV
issue-771	110	2	,	,	PUNCT
issue-771	110	3	the	the	DET
issue-771	110	4	solution	solution	NOUN
issue-771	110	5	to	to	ADP
issue-771	110	6	this	this	DET
issue-771	110	7	problem	problem	NOUN
issue-771	110	8	requires	require	VERB
issue-771	110	9	modern	modern	ADJ
issue-771	110	10	technology	technology	NOUN
issue-771	110	11	in	in	ADP
issue-771	110	12	banking	banking	NOUN
issue-771	110	13	institutions	institution	NOUN
issue-771	110	14	,	,	PUNCT
issue-771	110	15	as	as	SCONJ
issue-771	110	16	legacy	legacy	NOUN
issue-771	110	17	systems	system	NOUN
issue-771	110	18	will	will	AUX
issue-771	110	19	not	not	PART
issue-771	110	20	be	be	AUX
issue-771	110	21	able	able	ADJ
issue-771	110	22	to	to	PART
issue-771	110	23	cope	cope	VERB
issue-771	110	24	with	with	ADP
issue-771	110	25	the	the	DET
issue-771	110	26	increasing	increase	VERB
issue-771	110	27	workload	workload	NOUN
issue-771	110	28	,	,	PUNCT
issue-771	110	29	which	which	PRON
issue-771	110	30	requires	require	VERB
issue-771	110	31	increased	increase	VERB
issue-771	110	32	capacity	capacity	NOUN
issue-771	110	33	for	for	ADP
issue-771	110	34	processing	processing	NOUN
issue-771	110	35	information	information	NOUN
issue-771	110	36	or	or	CCONJ
issue-771	110	37	complete	complete	ADJ
issue-771	110	38	system	system	NOUN
issue-771	110	39	reconstruction	reconstruction	NOUN
issue-771	110	40	.	.	PUNCT
issue-771	111	1	with	with	ADP
issue-771	111	2	the	the	DET
issue-771	111	3	help	help	NOUN
issue-771	111	4	of	of	ADP
issue-771	111	5	big	big	ADJ
issue-771	111	6	data	datum	NOUN
issue-771	111	7	technology	technology	NOUN
issue-771	111	8	in	in	ADP
issue-771	111	9	digital	digital	ADJ
issue-771	111	10	banking	banking	NOUN
issue-771	111	11	,	,	PUNCT
issue-771	111	12	it	it	PRON
issue-771	111	13	becomes	become	VERB
issue-771	111	14	possible	possible	ADJ
issue-771	111	15	to	to	PART
issue-771	111	16	organize	organize	VERB
issue-771	111	17	the	the	DET
issue-771	111	18	system	system	NOUN
issue-771	111	19	of	of	ADP
issue-771	111	20	"	"	PUNCT
issue-771	111	21	social	social	ADJ
issue-771	111	22	listening	listening	NOUN
issue-771	111	23	"	"	PUNCT
issue-771	111	24	,	,	PUNCT
issue-771	111	25	i.e.	i.e.	X
issue-771	111	26	the	the	DET
issue-771	111	27	analysis	analysis	NOUN
issue-771	111	28	of	of	ADP
issue-771	111	29	information	information	NOUN
issue-771	111	30	on	on	ADP
issue-771	111	31	user	user	NOUN
issue-771	111	32	activity	activity	NOUN
issue-771	111	33	on	on	ADP
issue-771	111	34	social	social	ADJ
issue-771	111	35	networks	network	NOUN
issue-771	111	36	,	,	PUNCT
issue-771	111	37	to	to	PART
issue-771	111	38	identify	identify	VERB
issue-771	111	39	problems	problem	NOUN
issue-771	111	40	and	and	CCONJ
issue-771	111	41	correct	correct	VERB
issue-771	111	42	them	they	PRON
issue-771	111	43	.	.	PUNCT
issue-771	112	1	since	since	SCONJ
issue-771	112	2	barclays	barclay	NOUN
issue-771	112	3	launched	launch	VERB
issue-771	112	4	the	the	DET
issue-771	112	5	mobile	mobile	ADJ
issue-771	112	6	app	app	NOUN
issue-771	112	7	,	,	PUNCT
issue-771	112	8	many	many	ADJ
issue-771	112	9	people	people	NOUN
issue-771	112	10	have	have	AUX
issue-771	112	11	expressed	express	VERB
issue-771	112	12	dissatisfaction	dissatisfaction	NOUN
issue-771	112	13	in	in	ADP
issue-771	112	14	social	social	ADJ
issue-771	112	15	networks	network	NOUN
issue-771	112	16	that	that	PRON
issue-771	112	17	users	user	NOUN
issue-771	112	18	under	under	ADP
issue-771	112	19	the	the	DET
issue-771	112	20	age	age	NOUN
issue-771	112	21	of	of	ADP
issue-771	112	22	18	18	NUM
issue-771	112	23	have	have	AUX
issue-771	112	24	not	not	PART
issue-771	112	25	been	be	AUX
issue-771	112	26	able	able	ADJ
issue-771	112	27	to	to	PART
issue-771	112	28	transfer	transfer	VERB
issue-771	112	29	or	or	CCONJ
issue-771	112	30	receive	receive	VERB
issue-771	112	31	money	money	NOUN
issue-771	112	32	.	.	PUNCT
issue-771	113	1	as	as	ADP
issue-771	113	2	a	a	DET
issue-771	113	3	result	result	NOUN
issue-771	113	4	,	,	PUNCT
issue-771	113	5	there	there	PRON
issue-771	113	6	was	be	VERB
issue-771	113	7	made	make	VERB
issue-771	113	8	a	a	DET
issue-771	113	9	decision	decision	NOUN
issue-771	113	10	by	by	ADP
issue-771	113	11	barclays	barclay	NOUN
issue-771	113	12	management	management	NOUN
issue-771	113	13	,	,	PUNCT
issue-771	113	14	after	after	ADP
issue-771	113	15	which	which	PRON
issue-771	113	16	users	user	NOUN
issue-771	113	17	aged	age	VERB
issue-771	113	18	16	16	NUM
issue-771	113	19	and	and	CCONJ
issue-771	113	20	under	under	ADV
issue-771	113	21	were	be	AUX
issue-771	113	22	allowed	allow	VERB
issue-771	113	23	to	to	PART
issue-771	113	24	access	access	VERB
issue-771	113	25	the	the	DET
issue-771	113	26	program	program	NOUN
issue-771	113	27	.	.	PUNCT
issue-771	114	1	the	the	DET
issue-771	114	2	use	use	NOUN
issue-771	114	3	of	of	ADP
issue-771	114	4	big	big	ADJ
issue-771	114	5	data	datum	NOUN
issue-771	114	6	technology	technology	NOUN
issue-771	114	7	in	in	ADP
issue-771	114	8	digital	digital	ADJ
issue-771	114	9	banking	banking	NOUN
issue-771	114	10	necessitates	necessitate	VERB
issue-771	114	11	the	the	DET
issue-771	114	12	expansion	expansion	NOUN
issue-771	114	13	of	of	ADP
issue-771	114	14	computer	computer	NOUN
issue-771	114	15	hardware	hardware	NOUN
issue-771	114	16	memory	memory	NOUN
issue-771	114	17	.	.	PUNCT
issue-771	115	1	to	to	PART
issue-771	115	2	address	address	VERB
issue-771	115	3	this	this	PRON
issue-771	115	4	,	,	PUNCT
issue-771	115	5	more	more	ADJ
issue-771	115	6	and	and	CCONJ
issue-771	115	7	more	more	ADJ
issue-771	115	8	banks	bank	NOUN
issue-771	115	9	are	be	AUX
issue-771	115	10	moving	move	VERB
issue-771	115	11	from	from	ADP
issue-771	115	12	traditional	traditional	ADJ
issue-771	115	13	storage	storage	NOUN
issue-771	115	14	systems	system	NOUN
issue-771	115	15	to	to	ADP
issue-771	115	16	the	the	DET
issue-771	115	17	use	use	NOUN
issue-771	115	18	of	of	ADP
issue-771	115	19	cloud	cloud	NOUN
issue-771	115	20	storage	storage	NOUN
issue-771	115	21	.	.	PUNCT
issue-771	116	1	in	in	ADP
issue-771	116	2	april	april	PROPN
issue-771	116	3	2018	2018	NUM
issue-771	116	4	,	,	PUNCT
issue-771	116	5	microsoft	microsoft	PROPN
issue-771	116	6	told	tell	VERB
issue-771	116	7	the	the	DET
issue-771	116	8	daily	daily	ADJ
issue-771	116	9	newspaper	newspaper	NOUN
issue-771	116	10	the	the	DET
issue-771	116	11	financial	financial	ADJ
issue-771	116	12	times	time	NOUN
issue-771	116	13	that	that	SCONJ
issue-771	116	14	the	the	DET
issue-771	116	15	key	key	NOUN
issue-771	116	16	to	to	ADP
issue-771	116	17	successful	successful	ADJ
issue-771	116	18	implementation	implementation	NOUN
issue-771	116	19	of	of	ADP
issue-771	116	20	cloud	cloud	ADJ
issue-771	116	21	financial	financial	ADJ
issue-771	116	22	services	service	NOUN
issue-771	116	23	is	be	AUX
issue-771	116	24	having	have	VERB
issue-771	116	25	a	a	DET
issue-771	116	26	close	close	ADJ
issue-771	116	27	partnership	partnership	NOUN
issue-771	116	28	between	between	ADP
issue-771	116	29	regulators	regulator	NOUN
issue-771	116	30	,	,	PUNCT
issue-771	116	31	financial	financial	ADJ
issue-771	116	32	institutions	institution	NOUN
issue-771	116	33	and	and	CCONJ
issue-771	116	34	cloud	cloud	NOUN
issue-771	116	35	providers	provider	NOUN
issue-771	116	36	to	to	PART
issue-771	116	37	provide	provide	VERB
issue-771	116	38	the	the	DET
issue-771	116	39	right	right	ADJ
issue-771	116	40	structures	structure	NOUN
issue-771	116	41	,	,	PUNCT
issue-771	116	42	programs	program	NOUN
issue-771	116	43	and	and	CCONJ
issue-771	116	44	processes	process	NOUN
issue-771	116	45	that	that	PRON
issue-771	116	46	will	will	AUX
issue-771	116	47	leverage	leverage	VERB
issue-771	116	48	cloud	cloud	NOUN
issue-771	116	49	services	service	NOUN
issue-771	116	50	(	(	PUNCT
issue-771	116	51	springfield	springfield	PROPN
issue-771	116	52	,	,	PUNCT
issue-771	116	53	2018	2018	NUM
issue-771	116	54	)	)	PUNCT
issue-771	116	55	.	.	PUNCT
issue-771	117	1	the	the	DET
issue-771	117	2	use	use	NOUN
issue-771	117	3	of	of	ADP
issue-771	117	4	cloud	cloud	ADJ
issue-771	117	5	technology	technology	NOUN
issue-771	117	6	in	in	ADP
issue-771	117	7	digital	digital	ADJ
issue-771	117	8	banking	banking	NOUN
issue-771	117	9	can	can	AUX
issue-771	117	10	reduce	reduce	VERB
issue-771	117	11	the	the	DET
issue-771	117	12	cost	cost	NOUN
issue-771	117	13	of	of	ADP
issue-771	117	14	hardware	hardware	NOUN
issue-771	117	15	,	,	PUNCT
issue-771	117	16	software	software	NOUN
issue-771	117	17	and	and	CCONJ
issue-771	117	18	related	related	ADJ
issue-771	117	19	workforce	workforce	NOUN
issue-771	117	20	.	.	PUNCT
issue-771	118	1	it	it	PRON
issue-771	118	2	is	be	AUX
issue-771	118	3	easier	easy	ADJ
issue-771	118	4	for	for	SCONJ
issue-771	118	5	banks	bank	NOUN
issue-771	118	6	to	to	PART
issue-771	118	7	upgrade	upgrade	VERB
issue-771	118	8	their	their	PRON
issue-771	118	9	it	it	NOUN
issue-771	118	10	infrastructure	infrastructure	NOUN
issue-771	118	11	against	against	ADP
issue-771	118	12	the	the	DET
issue-771	118	13	backdrop	backdrop	NOUN
issue-771	118	14	of	of	ADP
issue-771	118	15	the	the	DET
issue-771	118	16	fact	fact	NOUN
issue-771	118	17	that	that	SCONJ
issue-771	118	18	the	the	DET
issue-771	118	19	cost	cost	NOUN
issue-771	118	20	of	of	ADP
issue-771	118	21	using	use	VERB
issue-771	118	22	online	online	ADJ
issue-771	118	23	resources	resource	NOUN
issue-771	118	24	to	to	PART
issue-771	118	25	save	save	VERB
issue-771	118	26	data	datum	NOUN
issue-771	118	27	provides	provide	VERB
issue-771	118	28	significant	significant	ADJ
issue-771	118	29	cost	cost	NOUN
issue-771	118	30	savings	saving	NOUN
issue-771	118	31	.	.	PUNCT
issue-771	119	1	the	the	DET
issue-771	119	2	availability	availability	NOUN
issue-771	119	3	of	of	ADP
issue-771	119	4	cloudbased	cloudbase	VERB
issue-771	119	5	technology	technology	NOUN
issue-771	119	6	tools	tool	NOUN
issue-771	119	7	in	in	ADP
issue-771	119	8	digital	digital	ADJ
issue-771	119	9	banking	banking	NOUN
issue-771	119	10	contributes	contribute	VERB
issue-771	119	11	to	to	ADP
issue-771	119	12	improving	improve	VERB
issue-771	119	13	the	the	DET
issue-771	119	14	efficiency	efficiency	NOUN
issue-771	119	15	of	of	ADP
issue-771	119	16	banking	banking	NOUN
issue-771	119	17	,	,	PUNCT
issue-771	119	18	since	since	SCONJ
issue-771	119	19	cloudbased	cloudbased	ADJ
issue-771	119	20	standardization	standardization	NOUN
issue-771	119	21	can	can	AUX
issue-771	119	22	facilitate	facilitate	VERB
issue-771	119	23	the	the	DET
issue-771	119	24	integration	integration	NOUN
issue-771	119	25	of	of	ADP
issue-771	119	26	new	new	ADJ
issue-771	119	27	technologies	technology	NOUN
issue-771	119	28	in	in	ADP
issue-771	119	29	the	the	DET
issue-771	119	30	future	future	NOUN
issue-771	119	31	.	.	PUNCT
issue-771	120	1	also	also	ADV
issue-771	120	2	,	,	PUNCT
issue-771	120	3	the	the	DET
issue-771	120	4	use	use	NOUN
issue-771	120	5	of	of	ADP
issue-771	120	6	cloud	cloud	NOUN
issue-771	120	7	technology	technology	NOUN
issue-771	120	8	makes	make	VERB
issue-771	120	9	customer	customer	NOUN
issue-771	120	10	service	service	NOUN
issue-771	120	11	fast	fast	ADV
issue-771	120	12	as	as	SCONJ
issue-771	120	13	computing	compute	VERB
issue-771	120	14	power	power	NOUN
issue-771	120	15	grows	grow	VERB
issue-771	120	16	,	,	PUNCT
issue-771	120	17	providing	provide	VERB
issue-771	120	18	the	the	DET
issue-771	120	19	departments	department	NOUN
issue-771	120	20	involved	involve	VERB
issue-771	120	21	with	with	ADP
issue-771	120	22	the	the	DET
issue-771	120	23	solutions	solution	NOUN
issue-771	120	24	.	.	PUNCT
issue-771	121	1	the	the	DET
issue-771	121	2	need	need	NOUN
issue-771	121	3	for	for	ADP
issue-771	121	4	cloud	cloud	NOUN
issue-771	121	5	technology	technology	NOUN
issue-771	121	6	is	be	AUX
issue-771	121	7	emerging	emerge	VERB
issue-771	121	8	at	at	ADP
issue-771	121	9	international	international	ADJ
issue-771	121	10	banks	bank	NOUN
issue-771	121	11	as	as	ADV
issue-771	121	12	well	well	ADV
issue-771	121	13	,	,	PUNCT
issue-771	121	14	since	since	SCONJ
issue-771	121	15	it	it	PRON
issue-771	121	16	requires	require	VERB
issue-771	121	17	considerable	considerable	ADJ
issue-771	121	18	additional	additional	ADJ
issue-771	121	19	costs	cost	NOUN
issue-771	121	20	to	to	PART
issue-771	121	21	exchange	exchange	VERB
issue-771	121	22	information	information	NOUN
issue-771	121	23	between	between	ADP
issue-771	121	24	regional	regional	ADJ
issue-771	121	25	and	and	CCONJ
issue-771	121	26	head	head	NOUN
issue-771	121	27	offices	office	NOUN
issue-771	121	28	,	,	PUNCT
issue-771	121	29	and	and	CCONJ
issue-771	121	30	access	access	NOUN
issue-771	121	31	to	to	ADP
issue-771	121	32	the	the	DET
issue-771	121	33	cloud	cloud	NOUN
issue-771	121	34	enables	enable	VERB
issue-771	121	35	users	user	NOUN
issue-771	121	36	to	to	PART
issue-771	121	37	share	share	VERB
issue-771	121	38	data	datum	NOUN
issue-771	121	39	anywhere	anywhere	ADV
issue-771	121	40	in	in	ADP
issue-771	121	41	the	the	DET
issue-771	121	42	world	world	NOUN
issue-771	121	43	.	.	PUNCT
issue-771	122	1	an	an	DET
issue-771	122	2	important	important	ADJ
issue-771	122	3	advantage	advantage	NOUN
issue-771	122	4	of	of	ADP
issue-771	122	5	cloud	cloud	ADJ
issue-771	122	6	technology	technology	NOUN
issue-771	122	7	in	in	ADP
issue-771	122	8	digital	digital	ADJ
issue-771	122	9	banking	banking	NOUN
issue-771	122	10	is	be	AUX
issue-771	122	11	the	the	DET
issue-771	122	12	ability	ability	NOUN
issue-771	122	13	to	to	PART
issue-771	122	14	scan	scan	VERB
issue-771	122	15	over	over	ADP
issue-771	122	16	a	a	DET
issue-771	122	17	thousand	thousand	NUM
issue-771	122	18	transactions	transaction	NOUN
issue-771	122	19	per	per	ADP
issue-771	122	20	second	second	NOUN
issue-771	122	21	,	,	PUNCT
issue-771	122	22	which	which	PRON
issue-771	122	23	greatly	greatly	ADV
issue-771	122	24	improves	improve	VERB
issue-771	122	25	banks	bank	NOUN
issue-771	122	26	'	'	PART
issue-771	122	27	ability	ability	NOUN
issue-771	122	28	to	to	PART
issue-771	122	29	deal	deal	VERB
issue-771	122	30	with	with	ADP
issue-771	122	31	financial	financial	ADJ
issue-771	122	32	crimes	crime	NOUN
issue-771	122	33	such	such	ADJ
issue-771	122	34	as	as	ADP
issue-771	122	35	fraud	fraud	NOUN
issue-771	122	36	and	and	CCONJ
issue-771	122	37	money	money	NOUN
issue-771	122	38	laundering	laundering	NOUN
issue-771	122	39	.	.	PUNCT
issue-771	123	1	at	at	ADP
issue-771	123	2	the	the	DET
issue-771	123	3	same	same	ADJ
issue-771	123	4	time	time	NOUN
issue-771	123	5	,	,	PUNCT
issue-771	123	6	there	there	PRON
issue-771	123	7	is	be	VERB
issue-771	123	8	a	a	DET
issue-771	123	9	need	need	NOUN
issue-771	123	10	to	to	PART
issue-771	123	11	constantly	constantly	ADV
issue-771	123	12	observe	observe	VERB
issue-771	123	13	security	security	NOUN
issue-771	123	14	measures	measure	NOUN
issue-771	123	15	to	to	PART
issue-771	123	16	protect	protect	VERB
issue-771	123	17	the	the	DET
issue-771	123	18	data	datum	NOUN
issue-771	123	19	stored	store	VERB
issue-771	123	20	in	in	ADP
issue-771	123	21	the	the	DET
issue-771	123	22	cloud	cloud	NOUN
issue-771	123	23	,	,	PUNCT
issue-771	123	24	to	to	PART
issue-771	123	25	guarantee	guarantee	VERB
issue-771	123	26	the	the	DET
issue-771	123	27	constant	constant	ADJ
issue-771	123	28	availability	availability	NOUN
issue-771	123	29	of	of	ADP
issue-771	123	30	programs	program	NOUN
issue-771	123	31	and	and	CCONJ
issue-771	123	32	data	datum	NOUN
issue-771	123	33	in	in	ADP
issue-771	123	34	case	case	NOUN
issue-771	123	35	of	of	ADP
issue-771	123	36	force	force	NOUN
issue-771	123	37	majeure	majeure	NOUN
issue-771	123	38	,	,	PUNCT
issue-771	123	39	effective	effective	ADJ
issue-771	123	40	management	management	NOUN
issue-771	123	41	of	of	ADP
issue-771	123	42	clouds	cloud	NOUN
issue-771	123	43	when	when	SCONJ
issue-771	123	44	receiving	receive	VERB
issue-771	123	45	services	service	NOUN
issue-771	123	46	from	from	ADP
issue-771	123	47	multiple	multiple	ADJ
issue-771	123	48	providers	provider	NOUN
issue-771	123	49	,	,	PUNCT
issue-771	123	50	since	since	SCONJ
issue-771	123	51	it	it	PRON
issue-771	123	52	is	be	AUX
issue-771	123	53	necessary	necessary	ADJ
issue-771	123	54	to	to	PART
issue-771	123	55	ensure	ensure	VERB
issue-771	123	56	communication	communication	NOUN
issue-771	123	57	between	between	ADP
issue-771	123	58	all	all	DET
issue-771	123	59	business	business	NOUN
issue-771	123	60	processes	process	NOUN
issue-771	123	61	and	and	CCONJ
issue-771	123	62	units	unit	NOUN
issue-771	123	63	,	,	PUNCT
issue-771	123	64	as	as	ADV
issue-771	123	65	well	well	ADV
issue-771	123	66	as	as	ADP
issue-771	123	67	with	with	ADP
issue-771	123	68	customers	customer	NOUN
issue-771	123	69	.	.	PUNCT
issue-771	124	1	this	this	PRON
issue-771	124	2	requires	require	VERB
issue-771	124	3	a	a	DET
issue-771	124	4	single	single	ADJ
issue-771	124	5	interface	interface	NOUN
issue-771	124	6	and	and	CCONJ
issue-771	124	7	management	management	NOUN
issue-771	124	8	layer	layer	NOUN
issue-771	124	9	that	that	PRON
issue-771	124	10	can	can	AUX
issue-771	124	11	run	run	VERB
issue-771	124	12	across	across	ADP
issue-771	124	13	platforms	platform	NOUN
issue-771	124	14	inside	inside	ADP
issue-771	124	15	and	and	CCONJ
issue-771	124	16	outside	outside	ADP
issue-771	124	17	the	the	DET
issue-771	124	18	cloud	cloud	NOUN
issue-771	124	19	(	(	PUNCT
issue-771	124	20	fintech	fintech	NOUN
issue-771	124	21	futures	future	NOUN
issue-771	124	22	,	,	PUNCT
issue-771	124	23	2014	2014	NUM
issue-771	124	24	)	)	PUNCT
issue-771	124	25	.	.	PUNCT
issue-771	125	1	the	the	DET
issue-771	125	2	recording	recording	NOUN
issue-771	125	3	and	and	CCONJ
issue-771	125	4	storage	storage	NOUN
issue-771	125	5	of	of	ADP
issue-771	125	6	data	datum	NOUN
issue-771	125	7	in	in	ADP
issue-771	125	8	banks	bank	NOUN
issue-771	125	9	is	be	AUX
issue-771	125	10	made	make	VERB
issue-771	125	11	possible	possible	ADJ
issue-771	125	12	by	by	ADP
issue-771	125	13	means	mean	NOUN
issue-771	125	14	of	of	ADP
issue-771	125	15	blockchain	blockchain	NOUN
issue-771	125	16	,	,	PUNCT
issue-771	125	17	which	which	PRON
issue-771	125	18	helps	help	VERB
issue-771	125	19	to	to	PART
issue-771	125	20	optimize	optimize	VERB
issue-771	125	21	accounting	accounting	NOUN
issue-771	125	22	,	,	PUNCT
issue-771	125	23	financial	financial	ADJ
issue-771	125	24	and	and	CCONJ
issue-771	125	25	tax	tax	NOUN
issue-771	125	26	accounting	accounting	NOUN
issue-771	125	27	in	in	ADP
issue-771	125	28	the	the	DET
issue-771	125	29	bank	bank	NOUN
issue-771	125	30	,	,	PUNCT
issue-771	125	31	as	as	ADV
issue-771	125	32	well	well	ADV
issue-771	125	33	as	as	ADP
issue-771	125	34	to	to	PART
issue-771	125	35	automate	automate	VERB
issue-771	125	36	the	the	DET
issue-771	125	37	processes	process	NOUN
issue-771	125	38	of	of	ADP
issue-771	125	39	issuing	issue	VERB
issue-771	125	40	loans	loan	NOUN
issue-771	125	41	in	in	ADP
issue-771	125	42	the	the	DET
issue-771	125	43	part	part	NOUN
issue-771	125	44	of	of	ADP
issue-771	125	45	the	the	DET
issue-771	125	46	verification	verification	NOUN
issue-771	125	47	of	of	ADP
issue-771	125	48	customer	customer	NOUN
issue-771	125	49	information	information	NOUN
issue-771	125	50	.	.	PUNCT
issue-771	126	1	blockchain	blockchain	PROPN
issue-771	126	2	in	in	ADP
issue-771	126	3	digital	digital	ADJ
issue-771	126	4	banking	banking	NOUN
issue-771	126	5	is	be	AUX
issue-771	126	6	capable	capable	ADJ
issue-771	126	7	of	of	ADP
issue-771	126	8	reducing	reduce	VERB
issue-771	126	9	the	the	DET
issue-771	126	10	cost	cost	NOUN
issue-771	126	11	of	of	ADP
issue-771	126	12	settling	settle	VERB
issue-771	126	13	investment	investment	NOUN
issue-771	126	14	banking	banking	NOUN
issue-771	126	15	activities	activity	NOUN
issue-771	126	16	.	.	PUNCT
issue-771	127	1	thus	thus	ADV
issue-771	127	2	,	,	PUNCT
issue-771	127	3	according	accord	VERB
issue-771	127	4	to	to	ADP
issue-771	127	5	the	the	DET
issue-771	127	6	results	result	NOUN
issue-771	127	7	of	of	ADP
issue-771	127	8	the	the	DET
issue-771	127	9	accenture	accenture	NOUN
issue-771	127	10	study	study	NOUN
issue-771	127	11	,	,	PUNCT
issue-771	127	12	clearinghouses	clearinghouse	NOUN
issue-771	127	13	and	and	CCONJ
issue-771	127	14	payment	payment	NOUN
issue-771	127	15	systems	system	NOUN
issue-771	127	16	can	can	AUX
issue-771	127	17	save	save	VERB
issue-771	127	18	about	about	ADV
issue-771	127	19	10	10	NUM
issue-771	127	20	bln	bln	NUM
issue-771	127	21	usd	usd	NOUN
issue-771	127	22	annually	annually	ADV
issue-771	127	23	when	when	SCONJ
issue-771	127	24	using	use	VERB
issue-771	127	25	blockchain	blockchain	PROPN
issue-771	127	26	technology	technology	PROPN
issue-771	127	27	(	(	PUNCT
issue-771	127	28	binance	binance	NOUN
issue-771	127	29	,	,	PUNCT
issue-771	127	30	2019	2019	NUM
issue-771	127	31	)	)	PUNCT
issue-771	127	32	.	.	PUNCT
issue-771	128	1	however	however	ADV
issue-771	128	2	,	,	PUNCT
issue-771	128	3	it	it	PRON
issue-771	128	4	should	should	AUX
issue-771	128	5	be	be	AUX
issue-771	128	6	kept	keep	VERB
issue-771	128	7	in	in	ADP
issue-771	128	8	mind	mind	NOUN
issue-771	128	9	that	that	SCONJ
issue-771	128	10	the	the	DET
issue-771	128	11	use	use	NOUN
issue-771	128	12	of	of	ADP
issue-771	128	13	blockchain	blockchain	PROPN
issue-771	128	14	in	in	ADP
issue-771	128	15	digital	digital	ADJ
issue-771	128	16	banking	banking	NOUN
issue-771	128	17	is	be	AUX
issue-771	128	18	able	able	ADJ
issue-771	128	19	to	to	PART
issue-771	128	20	increase	increase	VERB
issue-771	128	21	the	the	DET
issue-771	128	22	speed	speed	NOUN
issue-771	128	23	of	of	ADP
issue-771	128	24	payment	payment	NOUN
issue-771	128	25	transactions	transaction	NOUN
issue-771	128	26	,	,	PUNCT
issue-771	128	27	especially	especially	ADV
issue-771	128	28	those	those	PRON
issue-771	128	29	performed	perform	VERB
issue-771	128	30	between	between	ADP
issue-771	128	31	countries	country	NOUN
issue-771	128	32	,	,	PUNCT
issue-771	128	33	due	due	ADP
issue-771	128	34	to	to	ADP
issue-771	128	35	the	the	DET
issue-771	128	36	high	high	ADJ
issue-771	128	37	speed	speed	NOUN
issue-771	128	38	of	of	ADP
issue-771	128	39	data	datum	NOUN
issue-771	128	40	exchange	exchange	NOUN
issue-771	128	41	.	.	PUNCT
issue-771	129	1	baltic	baltic	PROPN
issue-771	129	2	journal	journal	PROPN
issue-771	129	3	of	of	ADP
issue-771	129	4	economic	economic	ADJ
issue-771	129	5	studies	study	NOUN
issue-771	129	6	97	97	NUM
issue-771	129	7	vol	vol	NOUN
issue-771	129	8	.	.	PROPN
issue-771	130	1	6	6	NUM
issue-771	130	2	,	,	PUNCT
issue-771	130	3	no	no	INTJ
issue-771	130	4	.	.	NOUN
issue-771	130	5	1	1	NUM
issue-771	130	6	,	,	PUNCT
issue-771	130	7	2020	2020	NUM
issue-771	130	8	one	one	NUM
issue-771	130	9	of	of	ADP
issue-771	130	10	the	the	DET
issue-771	130	11	main	main	ADJ
issue-771	130	12	problems	problem	NOUN
issue-771	130	13	in	in	ADP
issue-771	130	14	using	use	VERB
issue-771	130	15	financial	financial	ADJ
issue-771	130	16	technology	technology	NOUN
issue-771	130	17	tools	tool	NOUN
issue-771	130	18	in	in	ADP
issue-771	130	19	digital	digital	ADJ
issue-771	130	20	banking	banking	NOUN
issue-771	130	21	is	be	AUX
issue-771	130	22	to	to	PART
issue-771	130	23	ensure	ensure	VERB
issue-771	130	24	the	the	DET
issue-771	130	25	security	security	NOUN
issue-771	130	26	of	of	ADP
issue-771	130	27	banking	banking	NOUN
issue-771	130	28	activities	activity	NOUN
issue-771	130	29	.	.	PUNCT
issue-771	131	1	thus	thus	ADV
issue-771	131	2	,	,	PUNCT
issue-771	131	3	73	73	NUM
issue-771	131	4	%	%	NOUN
issue-771	131	5	of	of	ADP
issue-771	131	6	the	the	DET
issue-771	131	7	us	us	PROPN
issue-771	131	8	banks	bank	NOUN
issue-771	131	9	recognized	recognize	VERB
issue-771	131	10	their	their	PRON
issue-771	131	11	security	security	NOUN
issue-771	131	12	concerns	concern	NOUN
issue-771	131	13	as	as	ADP
issue-771	131	14	citing	cite	VERB
issue-771	131	15	privacy	privacy	NOUN
issue-771	131	16	issues	issue	NOUN
issue-771	131	17	as	as	ADP
issue-771	131	18	a	a	DET
issue-771	131	19	major	major	ADJ
issue-771	131	20	concern	concern	NOUN
issue-771	131	21	.	.	PUNCT
issue-771	132	1	banks	bank	NOUN
issue-771	132	2	are	be	AUX
issue-771	132	3	losing	lose	VERB
issue-771	132	4	resources	resource	NOUN
issue-771	132	5	every	every	DET
issue-771	132	6	year	year	NOUN
issue-771	132	7	as	as	ADP
issue-771	132	8	a	a	DET
issue-771	132	9	result	result	NOUN
issue-771	132	10	of	of	ADP
issue-771	132	11	fraud	fraud	NOUN
issue-771	132	12	,	,	PUNCT
issue-771	132	13	with	with	ADP
issue-771	132	14	central	central	ADJ
issue-771	132	15	banks	bank	NOUN
issue-771	132	16	increasing	increase	VERB
issue-771	132	17	the	the	DET
issue-771	132	18	pressure	pressure	NOUN
issue-771	132	19	every	every	DET
issue-771	132	20	year	year	NOUN
issue-771	132	21	to	to	PART
issue-771	132	22	protect	protect	VERB
issue-771	132	23	customers	customer	NOUN
issue-771	132	24	'	'	PART
issue-771	132	25	personal	personal	ADJ
issue-771	132	26	data	datum	NOUN
issue-771	132	27	.	.	PUNCT
issue-771	133	1	the	the	DET
issue-771	133	2	eu	eu	PROPN
issue-771	133	3	general	general	PROPN
issue-771	133	4	data	data	PROPN
issue-771	133	5	protection	protection	PROPN
issue-771	133	6	regulation	regulation	PROPN
issue-771	133	7	,	,	PUNCT
issue-771	133	8	which	which	PRON
issue-771	133	9	came	come	VERB
issue-771	133	10	into	into	ADP
issue-771	133	11	force	force	NOUN
issue-771	133	12	in	in	ADP
issue-771	133	13	may	may	PROPN
issue-771	133	14	2018	2018	NUM
issue-771	133	15	,	,	PUNCT
issue-771	133	16	strengthened	strengthen	VERB
issue-771	133	17	citizens	citizen	NOUN
issue-771	133	18	'	'	PART
issue-771	133	19	rights	right	NOUN
issue-771	133	20	to	to	ADP
issue-771	133	21	data	datum	NOUN
issue-771	133	22	.	.	PUNCT
issue-771	134	1	according	accord	VERB
issue-771	134	2	to	to	ADP
issue-771	134	3	expert	expert	NOUN
issue-771	134	4	estimates	estimate	NOUN
issue-771	134	5	,	,	PUNCT
issue-771	134	6	the	the	DET
issue-771	134	7	use	use	NOUN
issue-771	134	8	of	of	ADP
issue-771	134	9	blockchain	blockchain	NOUN
issue-771	134	10	by	by	ADP
issue-771	134	11	banks	bank	NOUN
issue-771	134	12	in	in	ADP
issue-771	134	13	the	the	DET
issue-771	134	14	field	field	NOUN
issue-771	134	15	of	of	ADP
issue-771	134	16	personal	personal	ADJ
issue-771	134	17	data	datum	NOUN
issue-771	134	18	protection	protection	NOUN
issue-771	134	19	can	can	AUX
issue-771	134	20	save	save	VERB
issue-771	134	21	up	up	ADP
issue-771	134	22	to	to	PART
issue-771	134	23	1	1	NUM
issue-771	134	24	bln	bln	NUM
issue-771	134	25	usd	usd	NOUN
issue-771	134	26	of	of	ADP
issue-771	134	27	operating	operating	NOUN
issue-771	134	28	costs	cost	NOUN
issue-771	134	29	and	and	CCONJ
issue-771	134	30	reduce	reduce	VERB
issue-771	134	31	penalties	penalty	NOUN
issue-771	134	32	by	by	ADP
issue-771	134	33	2	2	NUM
issue-771	134	34	-	-	SYM
issue-771	134	35	3	3	NUM
issue-771	134	36	bln	bln	NUM
issue-771	134	37	usd	usd	NOUN
issue-771	134	38	(	(	PUNCT
issue-771	134	39	debonis	debonis	NOUN
issue-771	134	40	,	,	PUNCT
issue-771	134	41	2017	2017	NUM
issue-771	134	42	)	)	PUNCT
issue-771	134	43	.	.	PUNCT
issue-771	135	1	the	the	DET
issue-771	135	2	need	need	NOUN
issue-771	135	3	for	for	ADP
issue-771	135	4	reliable	reliable	ADJ
issue-771	135	5	and	and	CCONJ
issue-771	135	6	fast	fast	ADJ
issue-771	135	7	processing	processing	NOUN
issue-771	135	8	of	of	ADP
issue-771	135	9	large	large	ADJ
issue-771	135	10	amounts	amount	NOUN
issue-771	135	11	of	of	ADP
issue-771	135	12	data	datum	NOUN
issue-771	135	13	,	,	PUNCT
issue-771	135	14	the	the	DET
issue-771	135	15	emergence	emergence	NOUN
issue-771	135	16	of	of	ADP
issue-771	135	17	mobile	mobile	ADJ
issue-771	135	18	technologies	technology	NOUN
issue-771	135	19	,	,	PUNCT
issue-771	135	20	data	datum	NOUN
issue-771	135	21	availability	availability	NOUN
issue-771	135	22	and	and	CCONJ
issue-771	135	23	the	the	DET
issue-771	135	24	distribution	distribution	NOUN
issue-771	135	25	of	of	ADP
issue-771	135	26	open	open	ADJ
issue-771	135	27	source	source	NOUN
issue-771	135	28	software	software	NOUN
issue-771	135	29	create	create	VERB
issue-771	135	30	the	the	DET
issue-771	135	31	basis	basis	NOUN
issue-771	135	32	for	for	ADP
issue-771	135	33	enhancing	enhance	VERB
issue-771	135	34	the	the	DET
issue-771	135	35	use	use	NOUN
issue-771	135	36	of	of	ADP
issue-771	135	37	artificial	artificial	ADJ
issue-771	135	38	intelligence	intelligence	NOUN
issue-771	135	39	in	in	ADP
issue-771	135	40	digital	digital	ADJ
issue-771	135	41	banking	banking	NOUN
issue-771	135	42	.	.	PUNCT
issue-771	136	1	using	use	VERB
issue-771	136	2	artificial	artificial	ADJ
issue-771	136	3	intelligence	intelligence	NOUN
issue-771	136	4	technology	technology	NOUN
issue-771	136	5	,	,	PUNCT
issue-771	136	6	it	it	PRON
issue-771	136	7	becomes	become	VERB
issue-771	136	8	possible	possible	ADJ
issue-771	136	9	to	to	PART
issue-771	136	10	carry	carry	VERB
issue-771	136	11	out	out	ADP
issue-771	136	12	credit	credit	NOUN
issue-771	136	13	risk	risk	NOUN
issue-771	136	14	assessments	assessment	NOUN
issue-771	136	15	that	that	PRON
issue-771	136	16	require	require	VERB
issue-771	136	17	accuracy	accuracy	NOUN
issue-771	136	18	and	and	CCONJ
issue-771	136	19	confidentiality	confidentiality	NOUN
issue-771	136	20	.	.	PUNCT
issue-771	137	1	in	in	ADP
issue-771	137	2	doing	do	VERB
issue-771	137	3	so	so	ADV
issue-771	137	4	,	,	PUNCT
issue-771	137	5	there	there	PRON
issue-771	137	6	is	be	VERB
issue-771	137	7	an	an	DET
issue-771	137	8	opportunity	opportunity	NOUN
issue-771	137	9	to	to	PART
issue-771	137	10	minimize	minimize	VERB
issue-771	137	11	the	the	DET
issue-771	137	12	likelihood	likelihood	NOUN
issue-771	137	13	of	of	ADP
issue-771	137	14	errors	error	NOUN
issue-771	137	15	and	and	CCONJ
issue-771	137	16	fraud	fraud	NOUN
issue-771	137	17	.	.	PUNCT
issue-771	138	1	accordingly	accordingly	ADV
issue-771	138	2	,	,	PUNCT
issue-771	138	3	financial	financial	ADJ
issue-771	138	4	technology	technology	NOUN
issue-771	138	5	tools	tool	NOUN
issue-771	138	6	in	in	ADP
issue-771	138	7	digital	digital	ADJ
issue-771	138	8	banking	banking	NOUN
issue-771	138	9	aimed	aim	VERB
issue-771	138	10	at	at	ADP
issue-771	138	11	optimizing	optimize	VERB
issue-771	138	12	the	the	DET
issue-771	138	13	operation	operation	NOUN
issue-771	138	14	of	of	ADP
issue-771	138	15	the	the	DET
issue-771	138	16	bank	bank	NOUN
issue-771	138	17	's	's	PART
issue-771	138	18	internal	internal	ADJ
issue-771	138	19	systems	system	NOUN
issue-771	138	20	are	be	AUX
issue-771	138	21	cloud	cloud	ADJ
issue-771	138	22	technologies	technology	NOUN
issue-771	138	23	,	,	PUNCT
issue-771	138	24	big	big	ADJ
issue-771	138	25	data	datum	NOUN
issue-771	138	26	,	,	PUNCT
issue-771	138	27	blockchain	blockchain	NOUN
issue-771	138	28	and	and	CCONJ
issue-771	138	29	artificial	artificial	ADJ
issue-771	138	30	intelligence	intelligence	NOUN
issue-771	138	31	,	,	PUNCT
issue-771	138	32	while	while	SCONJ
issue-771	138	33	the	the	DET
issue-771	138	34	use	use	NOUN
issue-771	138	35	of	of	ADP
issue-771	138	36	some	some	PRON
issue-771	138	37	of	of	ADP
issue-771	138	38	them	they	PRON
issue-771	138	39	also	also	ADV
issue-771	138	40	helps	help	VERB
issue-771	138	41	to	to	PART
issue-771	138	42	improve	improve	VERB
issue-771	138	43	customer	customer	NOUN
issue-771	138	44	service	service	NOUN
issue-771	138	45	.	.	PUNCT
issue-771	139	1	according	accord	VERB
issue-771	139	2	to	to	ADP
issue-771	139	3	a	a	DET
issue-771	139	4	study	study	NOUN
issue-771	139	5	conducted	conduct	VERB
issue-771	139	6	by	by	ADP
issue-771	139	7	the	the	DET
issue-771	139	8	international	international	ADJ
issue-771	139	9	payment	payment	NOUN
issue-771	139	10	company	company	NOUN
issue-771	139	11	mastercard	mastercard	PROPN
issue-771	139	12	worldwide	worldwide	ADV
issue-771	139	13	,	,	PUNCT
issue-771	139	14	87	87	NUM
issue-771	139	15	%	%	NOUN
issue-771	139	16	of	of	ADP
issue-771	139	17	the	the	DET
issue-771	139	18	polled	poll	VERB
issue-771	139	19	representatives	representative	NOUN
issue-771	139	20	of	of	ADP
issue-771	139	21	the	the	DET
issue-771	139	22	banking	banking	NOUN
issue-771	139	23	sector	sector	NOUN
issue-771	139	24	in	in	ADP
issue-771	139	25	ukraine	ukraine	PROPN
issue-771	139	26	are	be	AUX
issue-771	139	27	ready	ready	ADJ
issue-771	139	28	to	to	PART
issue-771	139	29	partner	partner	VERB
issue-771	139	30	with	with	ADP
issue-771	139	31	fintech	fintech	NOUN
issue-771	139	32	startups	startup	NOUN
issue-771	139	33	(	(	PUNCT
issue-771	139	34	unit	unit	NOUN
issue-771	139	35	.	.	PUNCT
issue-771	140	1	city	city	NOUN
issue-771	140	2	,	,	PUNCT
issue-771	140	3	2018	2018	NUM
issue-771	140	4	)	)	PUNCT
issue-771	140	5	.	.	PUNCT
issue-771	141	1	in	in	ADP
issue-771	141	2	2017	2017	NUM
issue-771	141	3	,	,	PUNCT
issue-771	141	4	the	the	DET
issue-771	141	5	first	first	ADJ
issue-771	141	6	domestic	domestic	ADJ
issue-771	141	7	digital	digital	ADJ
issue-771	141	8	bank	bank	NOUN
issue-771	141	9	monobank	monobank	NOUN
issue-771	141	10	was	be	AUX
issue-771	141	11	launched	launch	VERB
issue-771	141	12	in	in	ADP
issue-771	141	13	ukraine	ukraine	NOUN
issue-771	141	14	,	,	PUNCT
issue-771	141	15	where	where	SCONJ
issue-771	141	16	individual	individual	ADJ
issue-771	141	17	customers	customer	NOUN
issue-771	141	18	can	can	AUX
issue-771	141	19	receive	receive	VERB
issue-771	141	20	payment	payment	NOUN
issue-771	141	21	,	,	PUNCT
issue-771	141	22	deposit	deposit	NOUN
issue-771	141	23	and	and	CCONJ
issue-771	141	24	credit	credit	NOUN
issue-771	141	25	services	service	NOUN
issue-771	141	26	through	through	ADP
issue-771	141	27	the	the	DET
issue-771	141	28	mobile	mobile	ADJ
issue-771	141	29	application	application	NOUN
issue-771	141	30	.	.	PUNCT
issue-771	142	1	3.4	3.4	NUM
issue-771	142	2	.	.	PUNCT
issue-771	142	3	factors	factor	NOUN
issue-771	142	4	and	and	CCONJ
issue-771	142	5	prospects	prospect	NOUN
issue-771	142	6	of	of	ADP
issue-771	142	7	intensifying	intensify	VERB
issue-771	142	8	the	the	DET
issue-771	142	9	use	use	NOUN
issue-771	142	10	of	of	ADP
issue-771	142	11	financial	financial	ADJ
issue-771	142	12	technologies	technology	NOUN
issue-771	142	13	in	in	ADP
issue-771	142	14	digital	digital	ADJ
issue-771	142	15	banking	banking	NOUN
issue-771	142	16	in	in	ADP
issue-771	142	17	ukraine	ukraine	PROPN
issue-771	142	18	digital	digital	PROPN
issue-771	142	19	banking	banking	NOUN
issue-771	142	20	in	in	ADP
issue-771	142	21	ukraine	ukraine	PROPN
issue-771	142	22	has	have	AUX
issue-771	142	23	seen	see	VERB
issue-771	142	24	an	an	DET
issue-771	142	25	increase	increase	NOUN
issue-771	142	26	in	in	ADP
issue-771	142	27	the	the	DET
issue-771	142	28	use	use	NOUN
issue-771	142	29	of	of	ADP
issue-771	142	30	financial	financial	ADJ
issue-771	142	31	technology	technology	NOUN
issue-771	142	32	tools	tool	NOUN
issue-771	142	33	.	.	PUNCT
issue-771	143	1	the	the	DET
issue-771	143	2	main	main	ADJ
issue-771	143	3	factors	factor	NOUN
issue-771	143	4	influencing	influence	VERB
issue-771	143	5	the	the	DET
issue-771	143	6	intensifying	intensify	VERB
issue-771	143	7	the	the	DET
issue-771	143	8	use	use	NOUN
issue-771	143	9	of	of	ADP
issue-771	143	10	financial	financial	ADJ
issue-771	143	11	technologies	technology	NOUN
issue-771	143	12	in	in	ADP
issue-771	143	13	digital	digital	ADJ
issue-771	143	14	banking	banking	NOUN
issue-771	143	15	in	in	ADP
issue-771	143	16	ukraine	ukraine	PROPN
issue-771	143	17	are	be	AUX
issue-771	143	18	:	:	PUNCT
issue-771	143	19	–	–	PUNCT
issue-771	143	20	changes	change	NOUN
issue-771	143	21	in	in	ADP
issue-771	143	22	the	the	DET
issue-771	143	23	domestic	domestic	ADJ
issue-771	143	24	regulatory	regulatory	ADJ
issue-771	143	25	framework	framework	NOUN
issue-771	143	26	that	that	PRON
issue-771	143	27	contribute	contribute	VERB
issue-771	143	28	to	to	ADP
issue-771	143	29	the	the	DET
issue-771	143	30	development	development	NOUN
issue-771	143	31	of	of	ADP
issue-771	143	32	financial	financial	ADJ
issue-771	143	33	technologies	technology	NOUN
issue-771	143	34	,	,	PUNCT
issue-771	143	35	in	in	ADP
issue-771	143	36	particular	particular	ADJ
issue-771	143	37	,	,	PUNCT
issue-771	143	38	the	the	DET
issue-771	143	39	granting	granting	NOUN
issue-771	143	40	of	of	ADP
issue-771	143	41	authorization	authorization	NOUN
issue-771	143	42	to	to	PART
issue-771	143	43	sign	sign	VERB
issue-771	143	44	accounts	account	NOUN
issue-771	143	45	and	and	CCONJ
issue-771	143	46	agreements	agreement	NOUN
issue-771	143	47	by	by	ADP
issue-771	143	48	electronic	electronic	ADJ
issue-771	143	49	signature	signature	NOUN
issue-771	143	50	,	,	PUNCT
issue-771	143	51	ukrainian	ukrainian	ADJ
issue-771	143	52	financial	financial	ADJ
issue-771	143	53	technology	technology	NOUN
issue-771	143	54	companies	company	NOUN
issue-771	143	55	continue	continue	VERB
issue-771	143	56	to	to	PART
issue-771	143	57	use	use	VERB
issue-771	143	58	simplified	simplified	ADJ
issue-771	143	59	taxation	taxation	NOUN
issue-771	143	60	of	of	ADP
issue-771	143	61	5	5	NUM
issue-771	143	62	%	%	NOUN
issue-771	143	63	per	per	ADP
issue-771	143	64	year	year	NOUN
issue-771	143	65	,	,	PUNCT
issue-771	143	66	adoption	adoption	NOUN
issue-771	143	67	of	of	ADP
issue-771	143	68	the	the	DET
issue-771	143	69	law	law	NOUN
issue-771	143	70	on	on	ADP
issue-771	143	71	electronic	electronic	ADJ
issue-771	143	72	identification	identification	NOUN
issue-771	143	73	;	;	PUNCT
issue-771	143	74	–	–	PUNCT
issue-771	143	75	access	access	NOUN
issue-771	143	76	to	to	ADP
issue-771	143	77	capital	capital	NOUN
issue-771	143	78	and	and	CCONJ
issue-771	143	79	investment	investment	NOUN
issue-771	143	80	,	,	PUNCT
issue-771	143	81	in	in	ADP
issue-771	143	82	particular	particular	ADJ
issue-771	143	83	the	the	DET
issue-771	143	84	abolition	abolition	NOUN
issue-771	143	85	of	of	ADP
issue-771	143	86	the	the	DET
issue-771	143	87	requirement	requirement	NOUN
issue-771	143	88	for	for	ADP
issue-771	143	89	foreign	foreign	ADJ
issue-771	143	90	direct	direct	ADJ
issue-771	143	91	investments	investment	NOUN
issue-771	143	92	;	;	PUNCT
issue-771	143	93	–	–	PUNCT
issue-771	143	94	sufficient	sufficient	ADJ
issue-771	143	95	readiness	readiness	NOUN
issue-771	143	96	of	of	ADP
issue-771	143	97	the	the	DET
issue-771	143	98	domestic	domestic	ADJ
issue-771	143	99	financial	financial	ADJ
issue-771	143	100	technology	technology	NOUN
issue-771	143	101	market	market	NOUN
issue-771	143	102	.	.	PUNCT
issue-771	144	1	in	in	ADP
issue-771	144	2	particular	particular	ADJ
issue-771	144	3	,	,	PUNCT
issue-771	144	4	40	40	NUM
issue-771	144	5	%	%	NOUN
issue-771	144	6	of	of	ADP
issue-771	144	7	financial	financial	ADJ
issue-771	144	8	technology	technology	NOUN
issue-771	144	9	providers	provider	NOUN
issue-771	144	10	were	be	AUX
issue-771	144	11	established	establish	VERB
issue-771	144	12	by	by	ADP
issue-771	144	13	2015	2015	NUM
issue-771	144	14	(	(	PUNCT
issue-771	144	15	unit	unit	NOUN
issue-771	144	16	.	.	PUNCT
issue-771	145	1	city	city	NOUN
issue-771	145	2	,	,	PUNCT
issue-771	145	3	2018	2018	NUM
issue-771	145	4	)	)	PUNCT
issue-771	145	5	.	.	PUNCT
issue-771	146	1	considering	consider	VERB
issue-771	146	2	the	the	DET
issue-771	146	3	distinguished	distinguished	ADJ
issue-771	146	4	factors	factor	NOUN
issue-771	146	5	,	,	PUNCT
issue-771	146	6	it	it	PRON
issue-771	146	7	should	should	AUX
issue-771	146	8	be	be	AUX
issue-771	146	9	noted	note	VERB
issue-771	146	10	that	that	SCONJ
issue-771	146	11	the	the	DET
issue-771	146	12	prospects	prospect	NOUN
issue-771	146	13	for	for	ADP
issue-771	146	14	the	the	DET
issue-771	146	15	development	development	NOUN
issue-771	146	16	of	of	ADP
issue-771	146	17	financial	financial	ADJ
issue-771	146	18	technologies	technology	NOUN
issue-771	146	19	in	in	ADP
issue-771	146	20	digital	digital	ADJ
issue-771	146	21	banking	banking	NOUN
issue-771	146	22	in	in	ADP
issue-771	146	23	ukraine	ukraine	PROPN
issue-771	146	24	are	be	AUX
issue-771	146	25	:	:	PUNCT
issue-771	146	26	1	1	X
issue-771	146	27	.	.	X
issue-771	146	28	development	development	NOUN
issue-771	146	29	of	of	ADP
issue-771	146	30	neobanks	neobank	NOUN
issue-771	146	31	that	that	PRON
issue-771	146	32	serve	serve	VERB
issue-771	146	33	consumers	consumer	NOUN
issue-771	146	34	through	through	ADP
issue-771	146	35	the	the	DET
issue-771	146	36	use	use	NOUN
issue-771	146	37	of	of	ADP
issue-771	146	38	sites	site	NOUN
issue-771	146	39	and	and	CCONJ
issue-771	146	40	mobile	mobile	ADJ
issue-771	146	41	applications	application	NOUN
issue-771	146	42	without	without	ADP
issue-771	146	43	having	have	VERB
issue-771	146	44	physical	physical	ADJ
issue-771	146	45	offices	office	NOUN
issue-771	146	46	in	in	ADP
issue-771	146	47	them	they	PRON
issue-771	146	48	.	.	PUNCT
issue-771	147	1	these	these	DET
issue-771	147	2	banks	bank	NOUN
issue-771	147	3	are	be	AUX
issue-771	147	4	now	now	ADV
issue-771	147	5	popular	popular	ADJ
issue-771	147	6	in	in	ADP
issue-771	147	7	the	the	DET
issue-771	147	8	us	us	PROPN
issue-771	147	9	and	and	CCONJ
issue-771	147	10	the	the	DET
issue-771	147	11	uk	uk	PROPN
issue-771	147	12	.	.	PROPN
issue-771	147	13	neobanks	neobank	NOUN
issue-771	147	14	offer	offer	VERB
issue-771	147	15	services	service	NOUN
issue-771	147	16	such	such	ADJ
issue-771	147	17	as	as	ADP
issue-771	147	18	deposit	deposit	NOUN
issue-771	147	19	accounts	account	NOUN
issue-771	147	20	,	,	PUNCT
issue-771	147	21	payment	payment	NOUN
issue-771	147	22	services	service	NOUN
issue-771	147	23	,	,	PUNCT
issue-771	147	24	money	money	NOUN
issue-771	147	25	transfers	transfer	NOUN
issue-771	147	26	,	,	PUNCT
issue-771	147	27	loans	loan	NOUN
issue-771	147	28	to	to	ADP
issue-771	147	29	individuals	individual	NOUN
issue-771	147	30	and	and	CCONJ
issue-771	147	31	business	business	NOUN
issue-771	147	32	entities	entity	NOUN
issue-771	147	33	.	.	PUNCT
issue-771	148	1	2	2	X
issue-771	148	2	.	.	X
issue-771	148	3	intensifying	intensify	VERB
issue-771	148	4	the	the	DET
issue-771	148	5	open	open	ADJ
issue-771	148	6	banking	banking	NOUN
issue-771	148	7	development	development	NOUN
issue-771	148	8	through	through	ADP
issue-771	148	9	the	the	DET
issue-771	148	10	directive	directive	NOUN
issue-771	148	11	psd2	psd2	NOUN
issue-771	148	12	,	,	PUNCT
issue-771	148	13	which	which	PRON
issue-771	148	14	provides	provide	VERB
issue-771	148	15	access	access	NOUN
issue-771	148	16	to	to	ADP
issue-771	148	17	the	the	DET
issue-771	148	18	data	datum	NOUN
issue-771	148	19	of	of	ADP
issue-771	148	20	more	more	ADJ
issue-771	148	21	than	than	ADP
issue-771	148	22	5	5	NUM
issue-771	148	23	000	000	NUM
issue-771	148	24	european	european	ADJ
issue-771	148	25	banks	bank	NOUN
issue-771	148	26	.	.	PUNCT
issue-771	149	1	3	3	X
issue-771	149	2	.	.	X
issue-771	149	3	more	more	ADJ
issue-771	149	4	use	use	NOUN
issue-771	149	5	of	of	ADP
issue-771	149	6	biometrics	biometric	NOUN
issue-771	149	7	in	in	ADP
issue-771	149	8	digital	digital	ADJ
issue-771	149	9	banking	banking	NOUN
issue-771	149	10	.	.	PUNCT
issue-771	150	1	banks	bank	NOUN
issue-771	150	2	are	be	AUX
issue-771	150	3	increasingly	increasingly	ADV
issue-771	150	4	using	use	VERB
issue-771	150	5	biometric	biometric	ADJ
issue-771	150	6	customer	customer	NOUN
issue-771	150	7	identification	identification	NOUN
issue-771	150	8	when	when	SCONJ
issue-771	150	9	providing	provide	VERB
issue-771	150	10	services	service	NOUN
issue-771	150	11	through	through	ADP
issue-771	150	12	a	a	DET
issue-771	150	13	mobile	mobile	ADJ
issue-771	150	14	device	device	NOUN
issue-771	150	15	,	,	PUNCT
issue-771	150	16	as	as	SCONJ
issue-771	150	17	they	they	PRON
issue-771	150	18	have	have	VERB
issue-771	150	19	a	a	DET
issue-771	150	20	higher	high	ADJ
issue-771	150	21	level	level	NOUN
issue-771	150	22	of	of	ADP
issue-771	150	23	security	security	NOUN
issue-771	150	24	than	than	ADP
issue-771	150	25	passwords	password	NOUN
issue-771	150	26	,	,	PUNCT
issue-771	150	27	pins	pin	NOUN
issue-771	150	28	or	or	CCONJ
issue-771	150	29	e	e	NOUN
issue-771	150	30	-	-	NOUN
issue-771	150	31	mails	mail	NOUN
issue-771	150	32	that	that	PRON
issue-771	150	33	are	be	AUX
issue-771	150	34	highly	highly	ADV
issue-771	150	35	likely	likely	ADJ
issue-771	150	36	to	to	PART
issue-771	150	37	be	be	AUX
issue-771	150	38	hacked	hack	VERB
issue-771	150	39	.	.	PUNCT
issue-771	151	1	4	4	X
issue-771	151	2	.	.	X
issue-771	151	3	increasing	increase	VERB
issue-771	151	4	the	the	DET
issue-771	151	5	interaction	interaction	NOUN
issue-771	151	6	between	between	ADP
issue-771	151	7	regulators	regulator	NOUN
issue-771	151	8	and	and	CCONJ
issue-771	151	9	financial	financial	ADJ
issue-771	151	10	technology	technology	NOUN
issue-771	151	11	companies	company	NOUN
issue-771	151	12	.	.	PUNCT
issue-771	152	1	according	accord	VERB
issue-771	152	2	to	to	ADP
issue-771	152	3	the	the	DET
issue-771	152	4	statement	statement	NOUN
issue-771	152	5	of	of	ADP
issue-771	152	6	the	the	DET
issue-771	152	7	national	national	PROPN
issue-771	152	8	bank	bank	PROPN
issue-771	152	9	of	of	ADP
issue-771	152	10	ukraine	ukraine	PROPN
issue-771	152	11	,	,	PUNCT
issue-771	152	12	it	it	PRON
issue-771	152	13	is	be	AUX
issue-771	152	14	planned	plan	VERB
issue-771	152	15	to	to	PART
issue-771	152	16	create	create	VERB
issue-771	152	17	a	a	DET
issue-771	152	18	platform	platform	NOUN
issue-771	152	19	for	for	ADP
issue-771	152	20	communication	communication	NOUN
issue-771	152	21	with	with	ADP
issue-771	152	22	financial	financial	ADJ
issue-771	152	23	technology	technology	NOUN
issue-771	152	24	companies	company	NOUN
issue-771	152	25	to	to	PART
issue-771	152	26	assess	assess	VERB
issue-771	152	27	the	the	DET
issue-771	152	28	volumes	volume	NOUN
issue-771	152	29	and	and	CCONJ
issue-771	152	30	needs	need	NOUN
issue-771	152	31	of	of	ADP
issue-771	152	32	this	this	DET
issue-771	152	33	market	market	NOUN
issue-771	152	34	(	(	PUNCT
issue-771	152	35	national	national	PROPN
issue-771	152	36	bank	bank	PROPN
issue-771	152	37	of	of	ADP
issue-771	152	38	ukraine	ukraine	NOUN
issue-771	152	39	,	,	PUNCT
issue-771	152	40	2018	2018	NUM
issue-771	152	41	)	)	PUNCT
issue-771	152	42	.	.	PUNCT
issue-771	153	1	5	5	X
issue-771	153	2	.	.	X
issue-771	153	3	strengthening	strengthen	VERB
issue-771	153	4	the	the	DET
issue-771	153	5	interaction	interaction	NOUN
issue-771	153	6	between	between	ADP
issue-771	153	7	banks	bank	NOUN
issue-771	153	8	and	and	CCONJ
issue-771	153	9	financial	financial	ADJ
issue-771	153	10	technology	technology	NOUN
issue-771	153	11	companies	company	NOUN
issue-771	153	12	.	.	PUNCT
issue-771	154	1	according	accord	VERB
issue-771	154	2	to	to	ADP
issue-771	154	3	the	the	DET
issue-771	154	4	survey	survey	NOUN
issue-771	154	5	of	of	ADP
issue-771	154	6	39	39	NUM
issue-771	154	7	banks	bank	NOUN
issue-771	154	8	in	in	ADP
issue-771	154	9	17	17	NUM
issue-771	154	10	countries	country	NOUN
issue-771	154	11	conducted	conduct	VERB
issue-771	154	12	by	by	ADP
issue-771	154	13	pricewaterhousecoopers	pricewaterhousecooper	NOUN
issue-771	154	14	,	,	PUNCT
issue-771	154	15	it	it	PRON
issue-771	154	16	was	be	AUX
issue-771	154	17	found	find	VERB
issue-771	154	18	that	that	SCONJ
issue-771	154	19	future	future	ADJ
issue-771	154	20	partnerships	partnership	NOUN
issue-771	154	21	with	with	ADP
issue-771	154	22	financial	financial	ADJ
issue-771	154	23	sector	sector	NOUN
issue-771	154	24	companies	company	NOUN
issue-771	154	25	are	be	AUX
issue-771	154	26	important	important	ADJ
issue-771	154	27	for	for	ADP
issue-771	154	28	92	92	NUM
issue-771	154	29	%	%	NOUN
issue-771	154	30	of	of	ADP
issue-771	154	31	banks	bank	NOUN
issue-771	154	32	(	(	PUNCT
issue-771	154	33	scheele	scheele	PROPN
issue-771	154	34	,	,	PUNCT
issue-771	154	35	2018	2018	NUM
issue-771	154	36	)	)	PUNCT
issue-771	154	37	.	.	PUNCT
issue-771	155	1	as	as	ADP
issue-771	155	2	a	a	DET
issue-771	155	3	result	result	NOUN
issue-771	155	4	,	,	PUNCT
issue-771	155	5	the	the	DET
issue-771	155	6	rapid	rapid	ADJ
issue-771	155	7	development	development	NOUN
issue-771	155	8	of	of	ADP
issue-771	155	9	the	the	DET
issue-771	155	10	digital	digital	ADJ
issue-771	155	11	economy	economy	NOUN
issue-771	155	12	now	now	ADV
issue-771	155	13	has	have	VERB
issue-771	155	14	a	a	DET
issue-771	155	15	significant	significant	ADJ
issue-771	155	16	effect	effect	NOUN
issue-771	155	17	on	on	ADP
issue-771	155	18	the	the	DET
issue-771	155	19	fact	fact	NOUN
issue-771	155	20	that	that	SCONJ
issue-771	155	21	banks	bank	NOUN
issue-771	155	22	have	have	AUX
issue-771	155	23	more	more	ADJ
issue-771	155	24	and	and	CCONJ
issue-771	155	25	more	more	ADJ
issue-771	155	26	business	business	NOUN
issue-771	155	27	partners	partner	NOUN
issue-771	155	28	in	in	ADP
issue-771	155	29	the	the	DET
issue-771	155	30	financial	financial	ADJ
issue-771	155	31	technology	technology	NOUN
issue-771	155	32	sector	sector	NOUN
issue-771	155	33	every	every	DET
issue-771	155	34	year	year	NOUN
issue-771	155	35	.	.	PUNCT
issue-771	156	1	4	4	X
issue-771	156	2	.	.	X
issue-771	156	3	discussion	discussion	NOUN
issue-771	156	4	thus	thus	ADV
issue-771	156	5	,	,	PUNCT
issue-771	156	6	digital	digital	ADJ
issue-771	156	7	banking	banking	NOUN
issue-771	156	8	involves	involve	VERB
issue-771	156	9	digitization	digitization	NOUN
issue-771	156	10	based	base	VERB
issue-771	156	11	on	on	ADP
issue-771	156	12	the	the	DET
issue-771	156	13	use	use	NOUN
issue-771	156	14	of	of	ADP
issue-771	156	15	financial	financial	ADJ
issue-771	156	16	technology	technology	NOUN
issue-771	156	17	tools	tool	NOUN
issue-771	156	18	in	in	ADP
issue-771	156	19	the	the	DET
issue-771	156	20	processes	process	NOUN
issue-771	156	21	of	of	ADP
issue-771	156	22	banking	banking	NOUN
issue-771	156	23	services	service	NOUN
issue-771	156	24	,	,	PUNCT
issue-771	156	25	banking	banking	NOUN
issue-771	156	26	operations	operation	NOUN
issue-771	156	27	or	or	CCONJ
issue-771	156	28	the	the	DET
issue-771	156	29	operation	operation	NOUN
issue-771	156	30	of	of	ADP
issue-771	156	31	bank	bank	PROPN
issue-771	156	32	information	information	NOUN
issue-771	156	33	systems	system	NOUN
issue-771	156	34	.	.	PUNCT
issue-771	157	1	its	its	PRON
issue-771	157	2	strengths	strength	NOUN
issue-771	157	3	are	be	AUX
issue-771	157	4	the	the	DET
issue-771	157	5	ability	ability	NOUN
issue-771	157	6	to	to	PART
issue-771	157	7	generate	generate	VERB
issue-771	157	8	and	and	CCONJ
issue-771	157	9	store	store	VERB
issue-771	157	10	large	large	ADJ
issue-771	157	11	amounts	amount	NOUN
issue-771	157	12	of	of	ADP
issue-771	157	13	data	datum	NOUN
issue-771	157	14	while	while	SCONJ
issue-771	157	15	simultaneously	simultaneously	ADV
issue-771	157	16	analyzing	analyze	VERB
issue-771	157	17	and	and	CCONJ
issue-771	157	18	applying	apply	VERB
issue-771	157	19	the	the	DET
issue-771	157	20	results	result	NOUN
issue-771	157	21	of	of	ADP
issue-771	157	22	their	their	PRON
issue-771	157	23	analysis	analysis	NOUN
issue-771	157	24	.	.	PUNCT
issue-771	158	1	also	also	ADV
issue-771	158	2	,	,	PUNCT
issue-771	158	3	the	the	DET
issue-771	158	4	strengths	strength	NOUN
issue-771	158	5	of	of	ADP
issue-771	158	6	the	the	DET
issue-771	158	7	use	use	NOUN
issue-771	158	8	of	of	ADP
issue-771	158	9	financial	financial	ADJ
issue-771	158	10	technology	technology	NOUN
issue-771	158	11	tools	tool	NOUN
issue-771	158	12	in	in	ADP
issue-771	158	13	digital	digital	ADJ
issue-771	158	14	banking	banking	NOUN
issue-771	158	15	include	include	VERB
issue-771	158	16	the	the	DET
issue-771	158	17	impartiality	impartiality	NOUN
issue-771	158	18	of	of	ADP
issue-771	158	19	decision	decision	NOUN
issue-771	158	20	-	-	PUNCT
issue-771	158	21	making	making	NOUN
issue-771	158	22	,	,	PUNCT
issue-771	158	23	i.e.	i.e.	X
issue-771	158	24	those	those	DET
issue-771	158	25	decisions	decision	NOUN
issue-771	158	26	that	that	PRON
issue-771	158	27	are	be	AUX
issue-771	158	28	less	less	ADV
issue-771	158	29	dependent	dependent	ADJ
issue-771	158	30	on	on	ADP
issue-771	158	31	staff	staff	NOUN
issue-771	158	32	,	,	PUNCT
issue-771	158	33	the	the	DET
issue-771	158	34	ability	ability	NOUN
issue-771	158	35	to	to	PART
issue-771	158	36	provide	provide	VERB
issue-771	158	37	personalized	personalized	ADJ
issue-771	158	38	banking	banking	NOUN
issue-771	158	39	services	service	NOUN
issue-771	158	40	to	to	ADP
issue-771	158	41	clients	client	NOUN
issue-771	158	42	,	,	PUNCT
issue-771	158	43	the	the	DET
issue-771	158	44	functions	function	NOUN
issue-771	158	45	of	of	ADP
issue-771	158	46	central	central	ADJ
issue-771	158	47	repository	repository	NOUN
issue-771	158	48	of	of	ADP
issue-771	158	49	financial	financial	ADJ
issue-771	158	50	and	and	CCONJ
issue-771	158	51	nonfinancial	nonfinancial	ADJ
issue-771	158	52	customer	customer	NOUN
issue-771	158	53	information	information	NOUN
issue-771	158	54	.	.	PUNCT
issue-771	159	1	the	the	DET
issue-771	159	2	disadvantages	disadvantage	NOUN
issue-771	159	3	of	of	ADP
issue-771	159	4	using	use	VERB
issue-771	159	5	financial	financial	ADJ
issue-771	159	6	technologies	technology	NOUN
issue-771	159	7	in	in	ADP
issue-771	159	8	digital	digital	ADJ
issue-771	159	9	banking	banking	NOUN
issue-771	159	10	are	be	AUX
issue-771	159	11	that	that	SCONJ
issue-771	159	12	their	their	PRON
issue-771	159	13	presence	presence	NOUN
issue-771	159	14	contributes	contribute	VERB
issue-771	159	15	to	to	ADP
issue-771	159	16	the	the	DET
issue-771	159	17	development	development	NOUN
issue-771	159	18	of	of	ADP
issue-771	159	19	non	non	ADJ
issue-771	159	20	-	-	ADJ
issue-771	159	21	banking	banking	ADJ
issue-771	159	22	financial	financial	ADJ
issue-771	159	23	institutions	institution	NOUN
issue-771	159	24	,	,	PUNCT
issue-771	159	25	which	which	PRON
issue-771	159	26	leads	lead	VERB
issue-771	159	27	to	to	ADP
issue-771	159	28	a	a	DET
issue-771	159	29	decline	decline	NOUN
issue-771	159	30	in	in	ADP
issue-771	159	31	the	the	DET
issue-771	159	32	pace	pace	NOUN
issue-771	159	33	of	of	ADP
issue-771	159	34	development	development	NOUN
issue-771	159	35	of	of	ADP
issue-771	159	36	traditional	traditional	ADJ
issue-771	159	37	banks	bank	NOUN
issue-771	159	38	.	.	PUNCT
issue-771	160	1	a	a	DET
issue-771	160	2	major	major	ADJ
issue-771	160	3	drawback	drawback	NOUN
issue-771	160	4	to	to	PART
issue-771	160	5	consider	consider	VERB
issue-771	160	6	is	be	AUX
issue-771	160	7	the	the	DET
issue-771	160	8	lack	lack	NOUN
issue-771	160	9	of	of	ADP
issue-771	160	10	licensing	licensing	NOUN
issue-771	160	11	of	of	ADP
issue-771	160	12	financial	financial	ADJ
issue-771	160	13	technology	technology	NOUN
issue-771	160	14	companies	company	NOUN
issue-771	160	15	,	,	PUNCT
issue-771	160	16	which	which	PRON
issue-771	160	17	leads	lead	VERB
issue-771	160	18	to	to	ADP
issue-771	160	19	their	their	PRON
issue-771	160	20	failure	failure	NOUN
issue-771	160	21	to	to	PART
issue-771	160	22	comply	comply	VERB
issue-771	160	23	with	with	ADP
issue-771	160	24	regulatory	regulatory	ADJ
issue-771	160	25	requirements	requirement	NOUN
issue-771	160	26	in	in	ADP
issue-771	160	27	the	the	DET
issue-771	160	28	field	field	NOUN
issue-771	160	29	of	of	ADP
issue-771	160	30	digital	digital	ADJ
issue-771	160	31	banking	banking	NOUN
issue-771	160	32	.	.	PUNCT
issue-771	161	1	baltic	baltic	PROPN
issue-771	161	2	journal	journal	PROPN
issue-771	161	3	of	of	ADP
issue-771	161	4	economic	economic	ADJ
issue-771	161	5	studies	study	NOUN
issue-771	161	6	98	98	NUM
issue-771	161	7	vol	vol	NOUN
issue-771	161	8	.	.	PROPN
issue-771	162	1	6	6	NUM
issue-771	162	2	,	,	PUNCT
issue-771	162	3	no	no	INTJ
issue-771	162	4	.	.	NOUN
issue-771	162	5	1	1	NUM
issue-771	162	6	,	,	PUNCT
issue-771	162	7	2020	2020	NUM
issue-771	162	8	threats	threat	NOUN
issue-771	162	9	to	to	PART
issue-771	162	10	use	use	VERB
issue-771	162	11	financial	financial	ADJ
issue-771	162	12	technologies	technology	NOUN
issue-771	162	13	in	in	ADP
issue-771	162	14	digital	digital	ADJ
issue-771	162	15	banking	banking	NOUN
issue-771	162	16	are	be	AUX
issue-771	162	17	to	to	PART
issue-771	162	18	reduce	reduce	VERB
issue-771	162	19	the	the	DET
issue-771	162	20	number	number	NOUN
issue-771	162	21	of	of	ADP
issue-771	162	22	bank	bank	NOUN
issue-771	162	23	employees	employee	NOUN
issue-771	162	24	,	,	PUNCT
issue-771	162	25	create	create	VERB
issue-771	162	26	new	new	ADJ
issue-771	162	27	risks	risk	NOUN
issue-771	162	28	through	through	ADP
issue-771	162	29	automated	automate	VERB
issue-771	162	30	systems	system	NOUN
issue-771	162	31	,	,	PUNCT
issue-771	162	32	in	in	ADP
issue-771	162	33	particular	particular	ADJ
issue-771	162	34	,	,	PUNCT
issue-771	162	35	the	the	DET
issue-771	162	36	risks	risk	NOUN
issue-771	162	37	of	of	ADP
issue-771	162	38	falsification	falsification	NOUN
issue-771	162	39	,	,	PUNCT
issue-771	162	40	external	external	ADJ
issue-771	162	41	manipulation	manipulation	NOUN
issue-771	162	42	of	of	ADP
issue-771	162	43	data	datum	NOUN
issue-771	162	44	.	.	PUNCT
issue-771	163	1	the	the	DET
issue-771	163	2	potential	potential	NOUN
issue-771	163	3	of	of	ADP
issue-771	163	4	using	use	VERB
issue-771	163	5	financial	financial	ADJ
issue-771	163	6	technology	technology	NOUN
issue-771	163	7	tools	tool	NOUN
issue-771	163	8	in	in	ADP
issue-771	163	9	digital	digital	ADJ
issue-771	163	10	banking	banking	NOUN
issue-771	163	11	is	be	AUX
issue-771	163	12	to	to	PART
issue-771	163	13	make	make	VERB
issue-771	163	14	effective	effective	ADJ
issue-771	163	15	investment	investment	NOUN
issue-771	163	16	decisions	decision	NOUN
issue-771	163	17	,	,	PUNCT
issue-771	163	18	increase	increase	VERB
issue-771	163	19	the	the	DET
issue-771	163	20	level	level	NOUN
issue-771	163	21	of	of	ADP
issue-771	163	22	information	information	NOUN
issue-771	163	23	security	security	NOUN
issue-771	163	24	of	of	ADP
issue-771	163	25	operations	operation	NOUN
issue-771	163	26	,	,	PUNCT
issue-771	163	27	strengthen	strengthen	VERB
issue-771	163	28	the	the	DET
issue-771	163	29	cooperation	cooperation	NOUN
issue-771	163	30	of	of	ADP
issue-771	163	31	banks	bank	NOUN
issue-771	163	32	and	and	CCONJ
issue-771	163	33	companies	company	NOUN
issue-771	163	34	in	in	ADP
issue-771	163	35	the	the	DET
issue-771	163	36	financial	financial	ADJ
issue-771	163	37	technology	technology	NOUN
issue-771	163	38	sector	sector	NOUN
issue-771	163	39	.	.	PUNCT
issue-771	164	1	5	5	X
issue-771	164	2	.	.	X
issue-771	164	3	conclusions	conclusion	NOUN
issue-771	164	4	the	the	DET
issue-771	164	5	development	development	NOUN
issue-771	164	6	of	of	ADP
issue-771	164	7	the	the	DET
issue-771	164	8	financial	financial	ADJ
issue-771	164	9	technology	technology	NOUN
issue-771	164	10	market	market	NOUN
issue-771	164	11	tends	tend	VERB
issue-771	164	12	to	to	PART
issue-771	164	13	expand	expand	VERB
issue-771	164	14	and	and	CCONJ
issue-771	164	15	diversify	diversify	VERB
issue-771	164	16	.	.	PUNCT
issue-771	165	1	geographically	geographically	ADV
issue-771	165	2	,	,	PUNCT
issue-771	165	3	there	there	PRON
issue-771	165	4	is	be	VERB
issue-771	165	5	an	an	DET
issue-771	165	6	increase	increase	NOUN
issue-771	165	7	in	in	ADP
issue-771	165	8	activity	activity	NOUN
issue-771	165	9	in	in	ADP
issue-771	165	10	the	the	DET
issue-771	165	11	financial	financial	ADJ
issue-771	165	12	markets	market	NOUN
issue-771	165	13	in	in	ADP
issue-771	165	14	the	the	DET
issue-771	165	15	americas	americas	PROPN
issue-771	165	16	and	and	CCONJ
issue-771	165	17	europe	europe	PROPN
issue-771	165	18	.	.	PUNCT
issue-771	166	1	however	however	ADV
issue-771	166	2	,	,	PUNCT
issue-771	166	3	there	there	PRON
issue-771	166	4	is	be	VERB
issue-771	166	5	a	a	DET
issue-771	166	6	diversification	diversification	NOUN
issue-771	166	7	of	of	ADP
issue-771	166	8	financial	financial	ADJ
issue-771	166	9	technology	technology	NOUN
issue-771	166	10	sectors	sector	NOUN
issue-771	166	11	,	,	PUNCT
issue-771	166	12	with	with	ADP
issue-771	166	13	regtech	regtech	NOUN
issue-771	166	14	,	,	PUNCT
issue-771	166	15	insurtech	insurtech	NOUN
issue-771	166	16	,	,	PUNCT
issue-771	166	17	wealthtech	wealthtech	NOUN
issue-771	166	18	and	and	CCONJ
issue-771	166	19	proptech	proptech	NOUN
issue-771	166	20	emerging	emerge	VERB
issue-771	166	21	.	.	PUNCT
issue-771	167	1	this	this	DET
issue-771	167	2	diversification	diversification	NOUN
issue-771	167	3	between	between	ADP
issue-771	167	4	countries	country	NOUN
issue-771	167	5	and	and	CCONJ
issue-771	167	6	products	product	NOUN
issue-771	167	7	helps	help	VERB
issue-771	167	8	to	to	PART
issue-771	167	9	strengthen	strengthen	VERB
issue-771	167	10	the	the	DET
issue-771	167	11	financial	financial	ADJ
issue-771	167	12	markets	market	NOUN
issue-771	167	13	,	,	PUNCT
issue-771	167	14	including	include	VERB
issue-771	167	15	the	the	DET
issue-771	167	16	banking	banking	NOUN
issue-771	167	17	segment	segment	NOUN
issue-771	167	18	.	.	PUNCT
issue-771	168	1	the	the	DET
issue-771	168	2	trend	trend	NOUN
issue-771	168	3	of	of	ADP
issue-771	168	4	investments	investment	NOUN
issue-771	168	5	in	in	ADP
issue-771	168	6	the	the	DET
issue-771	168	7	financial	financial	ADJ
issue-771	168	8	technology	technology	NOUN
issue-771	168	9	market	market	NOUN
issue-771	168	10	shows	show	VERB
issue-771	168	11	an	an	DET
issue-771	168	12	increase	increase	NOUN
issue-771	168	13	in	in	ADP
issue-771	168	14	the	the	DET
issue-771	168	15	period	period	NOUN
issue-771	168	16	of	of	ADP
issue-771	168	17	2012	2012	NUM
issue-771	168	18	-	-	SYM
issue-771	168	19	2018	2018	NUM
issue-771	168	20	.	.	PUNCT
issue-771	169	1	increasing	increase	VERB
issue-771	169	2	investment	investment	NOUN
issue-771	169	3	in	in	ADP
issue-771	169	4	financial	financial	ADJ
issue-771	169	5	technology	technology	NOUN
issue-771	169	6	allows	allow	VERB
issue-771	169	7	the	the	DET
issue-771	169	8	european	european	ADJ
issue-771	169	9	banks	bank	NOUN
issue-771	169	10	to	to	PART
issue-771	169	11	expand	expand	VERB
issue-771	169	12	their	their	PRON
issue-771	169	13	operations	operation	NOUN
issue-771	169	14	,	,	PUNCT
issue-771	169	15	increase	increase	VERB
issue-771	169	16	deposits	deposit	NOUN
issue-771	169	17	and	and	CCONJ
issue-771	169	18	lending	lending	NOUN
issue-771	169	19	.	.	PUNCT
issue-771	170	1	the	the	DET
issue-771	170	2	catalyst	catalyst	NOUN
issue-771	170	3	for	for	ADP
issue-771	170	4	accelerating	accelerate	VERB
issue-771	170	5	the	the	DET
issue-771	170	6	growth	growth	NOUN
issue-771	170	7	of	of	ADP
issue-771	170	8	investments	investment	NOUN
issue-771	170	9	in	in	ADP
issue-771	170	10	financial	financial	ADJ
issue-771	170	11	technology	technology	NOUN
issue-771	170	12	is	be	AUX
issue-771	170	13	the	the	DET
issue-771	170	14	decline	decline	NOUN
issue-771	170	15	in	in	ADP
issue-771	170	16	bank	bank	NOUN
issue-771	170	17	deposits	deposit	NOUN
issue-771	170	18	from	from	ADP
issue-771	170	19	insurance	insurance	NOUN
issue-771	170	20	and	and	CCONJ
issue-771	170	21	pension	pension	NOUN
issue-771	170	22	companies	company	NOUN
issue-771	170	23	.	.	PUNCT
issue-771	171	1	due	due	ADP
issue-771	171	2	to	to	ADP
issue-771	171	3	the	the	DET
issue-771	171	4	growing	grow	VERB
issue-771	171	5	volume	volume	NOUN
issue-771	171	6	of	of	ADP
issue-771	171	7	investments	investment	NOUN
issue-771	171	8	in	in	ADP
issue-771	171	9	financial	financial	ADJ
issue-771	171	10	technology	technology	NOUN
issue-771	171	11	,	,	PUNCT
issue-771	171	12	the	the	DET
issue-771	171	13	european	european	ADJ
issue-771	171	14	banks	bank	NOUN
issue-771	171	15	have	have	AUX
issue-771	171	16	been	be	AUX
issue-771	171	17	able	able	ADJ
issue-771	171	18	to	to	PART
issue-771	171	19	increase	increase	VERB
issue-771	171	20	lending	lending	NOUN
issue-771	171	21	to	to	ADP
issue-771	171	22	other	other	ADJ
issue-771	171	23	financial	financial	ADJ
issue-771	171	24	corporations	corporation	NOUN
issue-771	171	25	,	,	PUNCT
issue-771	171	26	including	include	VERB
issue-771	171	27	banks	bank	NOUN
issue-771	171	28	among	among	ADP
issue-771	171	29	themselves	themselves	PRON
issue-771	171	30	.	.	PUNCT
issue-771	172	1	the	the	DET
issue-771	172	2	use	use	NOUN
issue-771	172	3	of	of	ADP
issue-771	172	4	financial	financial	ADJ
issue-771	172	5	technology	technology	NOUN
issue-771	172	6	is	be	AUX
issue-771	172	7	taking	take	VERB
issue-771	172	8	place	place	NOUN
issue-771	172	9	in	in	ADP
issue-771	172	10	digital	digital	ADJ
issue-771	172	11	banking	banking	NOUN
issue-771	172	12	,	,	PUNCT
issue-771	172	13	which	which	PRON
issue-771	172	14	is	be	AUX
issue-771	172	15	a	a	DET
issue-771	172	16	field	field	NOUN
issue-771	172	17	that	that	PRON
issue-771	172	18	covers	cover	VERB
issue-771	172	19	the	the	DET
issue-771	172	20	bank	bank	NOUN
issue-771	172	21	's	's	PART
issue-771	172	22	innovation	innovation	NOUN
issue-771	172	23	in	in	ADP
issue-771	172	24	information	information	NOUN
issue-771	172	25	and	and	CCONJ
issue-771	172	26	technology	technology	NOUN
issue-771	172	27	solutions	solution	NOUN
issue-771	172	28	.	.	PUNCT
issue-771	173	1	moreover	moreover	ADV
issue-771	173	2	,	,	PUNCT
issue-771	173	3	digital	digital	ADJ
issue-771	173	4	banking	banking	NOUN
issue-771	173	5	concerns	concern	VERB
issue-771	173	6	the	the	DET
issue-771	173	7	automation	automation	NOUN
issue-771	173	8	of	of	ADP
issue-771	173	9	both	both	DET
issue-771	173	10	banking	banking	NOUN
issue-771	173	11	services	service	NOUN
issue-771	173	12	and	and	CCONJ
issue-771	173	13	all	all	DET
issue-771	173	14	banking	banking	NOUN
issue-771	173	15	activities	activity	NOUN
issue-771	173	16	.	.	PUNCT
issue-771	174	1	the	the	DET
issue-771	174	2	digital	digital	ADJ
issue-771	174	3	banking	banking	NOUN
issue-771	174	4	is	be	AUX
issue-771	174	5	characterized	characterize	VERB
issue-771	174	6	by	by	ADP
issue-771	174	7	the	the	DET
issue-771	174	8	continuity	continuity	NOUN
issue-771	174	9	of	of	ADP
issue-771	174	10	banking	banking	NOUN
issue-771	174	11	services	service	NOUN
issue-771	174	12	,	,	PUNCT
issue-771	174	13	which	which	PRON
issue-771	174	14	provide	provide	VERB
issue-771	174	15	the	the	DET
issue-771	174	16	consumer	consumer	NOUN
issue-771	174	17	with	with	ADP
issue-771	174	18	the	the	DET
issue-771	174	19	ability	ability	NOUN
issue-771	174	20	to	to	PART
issue-771	174	21	receive	receive	VERB
issue-771	174	22	them	they	PRON
issue-771	174	23	online	online	ADV
issue-771	174	24	anywhere	anywhere	ADV
issue-771	174	25	around	around	ADP
issue-771	174	26	the	the	DET
issue-771	174	27	clock	clock	NOUN
issue-771	174	28	,	,	PUNCT
issue-771	174	29	personalization	personalization	NOUN
issue-771	174	30	of	of	ADP
issue-771	174	31	banking	banking	NOUN
issue-771	174	32	services	service	NOUN
issue-771	174	33	,	,	PUNCT
issue-771	174	34	digital	digital	ADJ
issue-771	174	35	authentication	authentication	NOUN
issue-771	174	36	of	of	ADP
issue-771	174	37	users	user	NOUN
issue-771	174	38	and	and	CCONJ
issue-771	174	39	digitization	digitization	NOUN
issue-771	174	40	of	of	ADP
issue-771	174	41	banking	banking	NOUN
issue-771	174	42	transactions	transaction	NOUN
issue-771	174	43	with	with	ADP
issue-771	174	44	the	the	DET
issue-771	174	45	replacement	replacement	NOUN
issue-771	174	46	of	of	ADP
issue-771	174	47	paperwork	paperwork	NOUN
issue-771	174	48	.	.	PUNCT
issue-771	175	1	the	the	DET
issue-771	175	2	main	main	ADJ
issue-771	175	3	areas	area	NOUN
issue-771	175	4	of	of	ADP
issue-771	175	5	use	use	NOUN
issue-771	175	6	of	of	ADP
issue-771	175	7	financial	financial	ADJ
issue-771	175	8	technologies	technology	NOUN
issue-771	175	9	in	in	ADP
issue-771	175	10	digital	digital	ADJ
issue-771	175	11	banking	banking	NOUN
issue-771	175	12	are	be	AUX
issue-771	175	13	customer	customer	NOUN
issue-771	175	14	behavior	behavior	NOUN
issue-771	175	15	analysis	analysis	NOUN
issue-771	175	16	,	,	PUNCT
issue-771	175	17	transaction	transaction	NOUN
issue-771	175	18	monitoring	monitoring	NOUN
issue-771	175	19	,	,	PUNCT
issue-771	175	20	customer	customer	NOUN
issue-771	175	21	identification	identification	NOUN
issue-771	175	22	and	and	CCONJ
issue-771	175	23	segmentation	segmentation	NOUN
issue-771	175	24	,	,	PUNCT
issue-771	175	25	fraud	fraud	NOUN
issue-771	175	26	management	management	NOUN
issue-771	175	27	,	,	PUNCT
issue-771	175	28	banking	banking	NOUN
issue-771	175	29	services	service	NOUN
issue-771	175	30	personification	personification	NOUN
issue-771	175	31	,	,	PUNCT
issue-771	175	32	risk	risk	NOUN
issue-771	175	33	assessment	assessment	NOUN
issue-771	175	34	and	and	CCONJ
issue-771	175	35	regulatory	regulatory	ADJ
issue-771	175	36	compliance	compliance	NOUN
issue-771	175	37	,	,	PUNCT
issue-771	175	38	customer	customer	NOUN
issue-771	175	39	response	response	NOUN
issue-771	175	40	analysis	analysis	NOUN
issue-771	175	41	,	,	PUNCT
issue-771	175	42	process	process	NOUN
issue-771	175	43	automation	automation	NOUN
issue-771	175	44	,	,	PUNCT
issue-771	175	45	financial	financial	ADJ
issue-771	175	46	advice	advice	NOUN
issue-771	175	47	,	,	PUNCT
issue-771	175	48	investment	investment	NOUN
issue-771	175	49	decision	decision	NOUN
issue-771	175	50	-	-	PUNCT
issue-771	175	51	making	making	NOUN
issue-771	175	52	,	,	PUNCT
issue-771	175	53	syndicated	syndicate	VERB
issue-771	175	54	loan	loan	NOUN
issue-771	175	55	services	service	NOUN
issue-771	175	56	,	,	PUNCT
issue-771	175	57	trade	trade	NOUN
issue-771	175	58	facilitation	facilitation	NOUN
issue-771	175	59	and	and	CCONJ
issue-771	175	60	p2p	p2p	NOUN
issue-771	175	61	transfers	transfer	NOUN
issue-771	175	62	.	.	PUNCT
issue-771	176	1	depending	depend	VERB
issue-771	176	2	on	on	ADP
issue-771	176	3	the	the	DET
issue-771	176	4	scope	scope	NOUN
issue-771	176	5	of	of	ADP
issue-771	176	6	use	use	NOUN
issue-771	176	7	of	of	ADP
issue-771	176	8	financial	financial	ADJ
issue-771	176	9	technology	technology	NOUN
issue-771	176	10	tools	tool	NOUN
issue-771	176	11	,	,	PUNCT
issue-771	176	12	they	they	PRON
issue-771	176	13	can	can	AUX
issue-771	176	14	be	be	AUX
issue-771	176	15	divided	divide	VERB
issue-771	176	16	into	into	ADP
issue-771	176	17	two	two	NUM
issue-771	176	18	groups	group	NOUN
issue-771	176	19	,	,	PUNCT
issue-771	176	20	one	one	NUM
issue-771	176	21	of	of	ADP
issue-771	176	22	which	which	PRON
issue-771	176	23	is	be	AUX
issue-771	176	24	aimed	aim	VERB
issue-771	176	25	at	at	ADP
issue-771	176	26	the	the	DET
issue-771	176	27	development	development	NOUN
issue-771	176	28	of	of	ADP
issue-771	176	29	customer	customer	NOUN
issue-771	176	30	service	service	NOUN
issue-771	176	31	,	,	PUNCT
issue-771	176	32	the	the	DET
issue-771	176	33	other	other	ADJ
issue-771	176	34	is	be	AUX
issue-771	176	35	to	to	PART
issue-771	176	36	optimize	optimize	VERB
issue-771	176	37	the	the	DET
issue-771	176	38	operation	operation	NOUN
issue-771	176	39	of	of	ADP
issue-771	176	40	internal	internal	ADJ
issue-771	176	41	systems	system	NOUN
issue-771	176	42	.	.	PUNCT
issue-771	177	1	dominant	dominant	ADJ
issue-771	177	2	financial	financial	ADJ
issue-771	177	3	technologies	technology	NOUN
issue-771	177	4	in	in	ADP
issue-771	177	5	digital	digital	ADJ
issue-771	177	6	banking	banking	NOUN
issue-771	177	7	aimed	aim	VERB
issue-771	177	8	at	at	ADP
issue-771	177	9	developing	develop	VERB
issue-771	177	10	customer	customer	NOUN
issue-771	177	11	service	service	NOUN
issue-771	177	12	are	be	AUX
issue-771	177	13	artificial	artificial	ADJ
issue-771	177	14	intelligence	intelligence	NOUN
issue-771	177	15	,	,	PUNCT
issue-771	177	16	biometrics	biometric	NOUN
issue-771	177	17	and	and	CCONJ
issue-771	177	18	open	open	ADJ
issue-771	177	19	banking	banking	NOUN
issue-771	177	20	services	service	NOUN
issue-771	177	21	.	.	PUNCT
issue-771	178	1	the	the	DET
issue-771	178	2	use	use	NOUN
issue-771	178	3	of	of	ADP
issue-771	178	4	these	these	DET
issue-771	178	5	financial	financial	ADJ
issue-771	178	6	technology	technology	NOUN
issue-771	178	7	tools	tool	NOUN
issue-771	178	8	helps	help	VERB
issue-771	178	9	to	to	PART
issue-771	178	10	improve	improve	VERB
issue-771	178	11	the	the	DET
issue-771	178	12	quality	quality	NOUN
issue-771	178	13	of	of	ADP
issue-771	178	14	customer	customer	NOUN
issue-771	178	15	service	service	NOUN
issue-771	178	16	and	and	CCONJ
issue-771	178	17	,	,	PUNCT
issue-771	178	18	consequently	consequently	ADV
issue-771	178	19	,	,	PUNCT
issue-771	178	20	to	to	PART
issue-771	178	21	expand	expand	VERB
issue-771	178	22	the	the	DET
issue-771	178	23	customer	customer	NOUN
issue-771	178	24	base	base	NOUN
issue-771	178	25	,	,	PUNCT
issue-771	178	26	while	while	SCONJ
issue-771	178	27	increasing	increase	VERB
issue-771	178	28	the	the	DET
issue-771	178	29	amount	amount	NOUN
issue-771	178	30	of	of	ADP
issue-771	178	31	revenue	revenue	NOUN
issue-771	178	32	in	in	ADP
issue-771	178	33	the	the	DET
issue-771	178	34	respective	respective	ADJ
issue-771	178	35	segment	segment	NOUN
issue-771	178	36	.	.	PUNCT
issue-771	179	1	dominant	dominant	ADJ
issue-771	179	2	financial	financial	ADJ
issue-771	179	3	technology	technology	NOUN
issue-771	179	4	tools	tool	NOUN
issue-771	179	5	in	in	ADP
issue-771	179	6	digital	digital	ADJ
issue-771	179	7	banking	banking	NOUN
issue-771	179	8	aimed	aim	VERB
issue-771	179	9	at	at	ADP
issue-771	179	10	optimizing	optimize	VERB
issue-771	179	11	the	the	DET
issue-771	179	12	operation	operation	NOUN
issue-771	179	13	of	of	ADP
issue-771	179	14	the	the	DET
issue-771	179	15	bank	bank	NOUN
issue-771	179	16	's	's	PART
issue-771	179	17	internal	internal	ADJ
issue-771	179	18	systems	system	NOUN
issue-771	179	19	are	be	AUX
issue-771	179	20	cloud	cloud	ADJ
issue-771	179	21	technologies	technology	NOUN
issue-771	179	22	,	,	PUNCT
issue-771	179	23	big	big	ADJ
issue-771	179	24	data	datum	NOUN
issue-771	179	25	,	,	PUNCT
issue-771	179	26	blockchain	blockchain	NOUN
issue-771	179	27	and	and	CCONJ
issue-771	179	28	artificial	artificial	ADJ
issue-771	179	29	intelligence	intelligence	NOUN
issue-771	179	30	,	,	PUNCT
issue-771	179	31	while	while	SCONJ
issue-771	179	32	the	the	DET
issue-771	179	33	use	use	NOUN
issue-771	179	34	of	of	ADP
issue-771	179	35	some	some	PRON
issue-771	179	36	of	of	ADP
issue-771	179	37	them	they	PRON
issue-771	179	38	also	also	ADV
issue-771	179	39	helps	help	VERB
issue-771	179	40	to	to	PART
issue-771	179	41	improve	improve	VERB
issue-771	179	42	customer	customer	NOUN
issue-771	179	43	service	service	NOUN
issue-771	179	44	.	.	PUNCT
issue-771	180	1	the	the	DET
issue-771	180	2	need	need	NOUN
issue-771	180	3	to	to	PART
issue-771	180	4	use	use	VERB
issue-771	180	5	certain	certain	ADJ
issue-771	180	6	financial	financial	ADJ
issue-771	180	7	technology	technology	NOUN
issue-771	180	8	tools	tool	NOUN
issue-771	180	9	in	in	ADP
issue-771	180	10	digital	digital	ADJ
issue-771	180	11	banking	banking	NOUN
issue-771	180	12	is	be	AUX
issue-771	180	13	that	that	SCONJ
issue-771	180	14	they	they	PRON
issue-771	180	15	help	help	VERB
issue-771	180	16	to	to	PART
issue-771	180	17	create	create	VERB
issue-771	180	18	personalized	personalized	ADJ
issue-771	180	19	banking	banking	NOUN
issue-771	180	20	products	product	NOUN
issue-771	180	21	,	,	PUNCT
issue-771	180	22	automate	automate	VERB
issue-771	180	23	the	the	DET
issue-771	180	24	processes	process	NOUN
issue-771	180	25	of	of	ADP
issue-771	180	26	issuing	issue	VERB
issue-771	180	27	loans	loan	NOUN
issue-771	180	28	in	in	ADP
issue-771	180	29	terms	term	NOUN
issue-771	180	30	of	of	ADP
issue-771	180	31	verifying	verify	VERB
issue-771	180	32	customer	customer	NOUN
issue-771	180	33	information	information	NOUN
issue-771	180	34	,	,	PUNCT
issue-771	180	35	segment	segment	NOUN
issue-771	180	36	customers	customer	NOUN
issue-771	180	37	,	,	PUNCT
issue-771	180	38	reduce	reduce	VERB
issue-771	180	39	the	the	DET
issue-771	180	40	cost	cost	NOUN
issue-771	180	41	of	of	ADP
issue-771	180	42	settlements	settlement	NOUN
issue-771	180	43	in	in	ADP
issue-771	180	44	investment	investment	NOUN
issue-771	180	45	banking	banking	NOUN
issue-771	180	46	,	,	PUNCT
issue-771	180	47	optimization	optimization	NOUN
issue-771	180	48	of	of	ADP
issue-771	180	49	accounting	accounting	NOUN
issue-771	180	50	,	,	PUNCT
issue-771	180	51	financial	financial	ADJ
issue-771	180	52	and	and	CCONJ
issue-771	180	53	tax	tax	NOUN
issue-771	180	54	accounting	accounting	NOUN
issue-771	180	55	in	in	ADP
issue-771	180	56	the	the	DET
issue-771	180	57	bank	bank	NOUN
issue-771	180	58	.	.	PUNCT
issue-771	181	1	factors	factor	NOUN
issue-771	181	2	of	of	ADP
issue-771	181	3	intensification	intensification	NOUN
issue-771	181	4	of	of	ADP
issue-771	181	5	the	the	DET
issue-771	181	6	use	use	NOUN
issue-771	181	7	of	of	ADP
issue-771	181	8	financial	financial	ADJ
issue-771	181	9	technology	technology	NOUN
issue-771	181	10	instruments	instrument	NOUN
issue-771	181	11	in	in	ADP
issue-771	181	12	digital	digital	ADJ
issue-771	181	13	banking	banking	NOUN
issue-771	181	14	in	in	ADP
issue-771	181	15	ukraine	ukraine	PROPN
issue-771	181	16	are	be	AUX
issue-771	181	17	changes	change	NOUN
issue-771	181	18	in	in	ADP
issue-771	181	19	the	the	DET
issue-771	181	20	domestic	domestic	ADJ
issue-771	181	21	regulatory	regulatory	ADJ
issue-771	181	22	framework	framework	NOUN
issue-771	181	23	,	,	PUNCT
issue-771	181	24	creation	creation	NOUN
issue-771	181	25	of	of	ADP
issue-771	181	26	opportunities	opportunity	NOUN
issue-771	181	27	for	for	ADP
issue-771	181	28	foreign	foreign	ADJ
issue-771	181	29	investment	investment	NOUN
issue-771	181	30	and	and	CCONJ
issue-771	181	31	sufficient	sufficient	ADJ
issue-771	181	32	maturity	maturity	NOUN
issue-771	181	33	of	of	ADP
issue-771	181	34	the	the	DET
issue-771	181	35	national	national	ADJ
issue-771	181	36	market	market	NOUN
issue-771	181	37	of	of	ADP
issue-771	181	38	financial	financial	ADJ
issue-771	181	39	technologies	technology	NOUN
issue-771	181	40	.	.	PUNCT
issue-771	182	1	the	the	DET
issue-771	182	2	prospects	prospect	NOUN
issue-771	182	3	for	for	ADP
issue-771	182	4	developing	develop	VERB
issue-771	182	5	financial	financial	ADJ
issue-771	182	6	technology	technology	NOUN
issue-771	182	7	tools	tool	NOUN
issue-771	182	8	in	in	ADP
issue-771	182	9	digital	digital	ADJ
issue-771	182	10	banking	banking	NOUN
issue-771	182	11	include	include	VERB
issue-771	182	12	strengthening	strengthen	VERB
issue-771	182	13	the	the	DET
issue-771	182	14	interaction	interaction	NOUN
issue-771	182	15	between	between	ADP
issue-771	182	16	regulators	regulator	NOUN
issue-771	182	17	,	,	PUNCT
issue-771	182	18	banks	bank	NOUN
issue-771	182	19	and	and	CCONJ
issue-771	182	20	financial	financial	ADJ
issue-771	182	21	technology	technology	NOUN
issue-771	182	22	companies	company	NOUN
issue-771	182	23	,	,	PUNCT
issue-771	182	24	the	the	DET
issue-771	182	25	increased	increase	VERB
issue-771	182	26	use	use	NOUN
issue-771	182	27	of	of	ADP
issue-771	182	28	biometrics	biometric	NOUN
issue-771	182	29	,	,	PUNCT
issue-771	182	30	the	the	DET
issue-771	182	31	development	development	NOUN
issue-771	182	32	of	of	ADP
issue-771	182	33	neo	neo	NOUN
issue-771	182	34	-	-	NOUN
issue-771	182	35	banking	banking	NOUN
issue-771	182	36	and	and	CCONJ
issue-771	182	37	open	open	ADJ
issue-771	182	38	banking	banking	NOUN
issue-771	182	39	services	service	NOUN
issue-771	182	40	.	.	PUNCT
issue-771	183	1	references	reference	NOUN
issue-771	183	2	:	:	PUNCT
issue-771	183	3	bainazarov	bainazarov	NOUN
issue-771	183	4	,	,	PUNCT
issue-771	183	5	n.	n.	NOUN
issue-771	183	6	(	(	PUNCT
issue-771	183	7	2018	2018	NUM
issue-771	183	8	)	)	PUNCT
issue-771	183	9	.	.	PUNCT
issue-771	184	1	tsyfrovoi	tsyfrovoi	PROPN
issue-771	184	2	bankynh	bankynh	PROPN
issue-771	184	3	–	–	PUNCT
issue-771	184	4	cheho	cheho	NOUN
issue-771	184	5	my	my	PRON
issue-771	184	6	ozhydaly	ozhydaly	PROPN
issue-771	184	7	y	y	PROPN
issue-771	184	8	chto	chto	VERB
issue-771	184	9	my	my	PRON
issue-771	184	10	poluchyly	poluchyly	NOUN
issue-771	185	1	[	[	X
issue-771	185	2	digital	digital	ADJ
issue-771	185	3	banking	banking	NOUN
issue-771	185	4	–	–	PUNCT
issue-771	185	5	what	what	PRON
issue-771	185	6	we	we	PRON
issue-771	185	7	expected	expect	VERB
issue-771	185	8	and	and	CCONJ
issue-771	185	9	what	what	PRON
issue-771	185	10	we	we	PRON
issue-771	185	11	got	get	VERB
issue-771	185	12	]	]	PUNCT
issue-771	185	13	.	.	PUNCT
issue-771	186	1	rusbase	rusbase	PROPN
issue-771	186	2	.	.	PUNCT
issue-771	187	1	retrieved	retrieve	VERB
issue-771	187	2	from	from	ADP
issue-771	187	3	:	:	PUNCT
issue-771	187	4	https://rb.ru/story/banking-v-cifre	https://rb.ru/story/banking-v-cifre	PROPN
issue-771	187	5	(	(	PUNCT
issue-771	187	6	accessed	access	VERB
issue-771	187	7	21	21	NUM
issue-771	187	8	november	november	PROPN
issue-771	187	9	2019	2019	NUM
issue-771	187	10	)	)	PUNCT
issue-771	187	11	.	.	PUNCT
issue-771	188	1	baranovskyi	baranovskyi	PROPN
issue-771	188	2	,	,	PUNCT
issue-771	188	3	o.	o.	PROPN
issue-771	188	4	(	(	PUNCT
issue-771	188	5	2018	2018	NUM
issue-771	188	6	)	)	PUNCT
issue-771	188	7	.	.	PUNCT
issue-771	189	1	yakist	yakist	PROPN
issue-771	189	2	transformatsiinykh	transformatsiinykh	ADJ
issue-771	189	3	protsesiv	protsesiv	PROPN
issue-771	189	4	u	u	PROPN
issue-771	189	5	finansovomu	finansovomu	PROPN
issue-771	189	6	sektori	sektori	PROPN
issue-771	189	7	natsionalnoi	natsionalnoi	PROPN
issue-771	189	8	ekonomiky	ekonomiky	VERB
issue-771	189	9	:	:	PUNCT
issue-771	189	10	vektory	vektory	NOUN
issue-771	189	11	vymiru	vymiru	NOUN
issue-771	190	1	[	[	X
issue-771	190	2	the	the	DET
issue-771	190	3	quality	quality	NOUN
issue-771	190	4	of	of	ADP
issue-771	190	5	transformation	transformation	NOUN
issue-771	190	6	processes	process	NOUN
issue-771	190	7	in	in	ADP
issue-771	190	8	the	the	DET
issue-771	190	9	financial	financial	ADJ
issue-771	190	10	sector	sector	NOUN
issue-771	190	11	of	of	ADP
issue-771	190	12	the	the	DET
issue-771	190	13	national	national	ADJ
issue-771	190	14	economy	economy	NOUN
issue-771	190	15	:	:	PUNCT
issue-771	190	16	measurement	measurement	NOUN
issue-771	190	17	vectors	vector	NOUN
issue-771	190	18	]	]	PUNCT
issue-771	190	19	.	.	PUNCT
issue-771	191	1	finansovo	finansovo	PROPN
issue-771	191	2	-	-	PUNCT
issue-771	191	3	kredytna	kredytna	PROPN
issue-771	191	4	diialnist	diialnist	NOUN
issue-771	191	5	:	:	PUNCT
issue-771	191	6	problemy	problemy	PROPN
issue-771	191	7	teorii	teorii	PROPN
issue-771	191	8	ta	ta	AUX
issue-771	191	9	praktyky	praktyky	VERB
issue-771	191	10	,	,	PUNCT
issue-771	191	11	3(26	3(26	NUM
issue-771	191	12	)	)	PUNCT
issue-771	191	13	,	,	PUNCT
issue-771	191	14	350–367	350–367	NUM
issue-771	191	15	.	.	PUNCT
issue-771	192	1	(	(	PUNCT
issue-771	192	2	in	in	ADP
issue-771	192	3	ukrainian	ukrainian	ADJ
issue-771	192	4	)	)	PUNCT
issue-771	192	5	binance	binance	NOUN
issue-771	192	6	(	(	PUNCT
issue-771	192	7	2019	2019	NUM
issue-771	192	8	)	)	PUNCT
issue-771	192	9	.	.	PUNCT
issue-771	193	1	10	10	NUM
issue-771	193	2	ways	way	NOUN
issue-771	193	3	blockchain	blockchain	NOUN
issue-771	193	4	improves	improve	VERB
issue-771	193	5	banks	bank	NOUN
issue-771	193	6	.	.	PUNCT
issue-771	194	1	retrieved	retrieve	VERB
issue-771	194	2	from	from	ADP
issue-771	194	3	:	:	PUNCT
issue-771	194	4	https://www.binance.com/en/	https://www.binance.com/en/	PROPN
issue-771	194	5	blog/317964880487174144/10	blog/317964880487174144/10	ADJ
issue-771	194	6	-	-	PUNCT
issue-771	194	7	ways	way	NOUN
issue-771	194	8	-	-	PUNCT
issue-771	194	9	blockchain	blockchain	NOUN
issue-771	194	10	-	-	PUNCT
issue-771	194	11	improves	improve	VERB
issue-771	194	12	-	-	PUNCT
issue-771	194	13	banks	bank	NOUN
issue-771	194	14	-	-	PUNCT
issue-771	194	15	and	and	CCONJ
issue-771	194	16	-	-	PUNCT
issue-771	194	17	makes	make	VERB
issue-771	194	18	-	-	PUNCT
issue-771	194	19	them	they	PRON
issue-771	194	20	-	-	PUNCT
issue-771	194	21	less	less	ADV
issue-771	194	22	-	-	PUNCT
issue-771	194	23	important	important	ADJ
issue-771	194	24	(	(	PUNCT
issue-771	194	25	accessed	access	VERB
issue-771	194	26	21	21	NUM
issue-771	194	27	november	november	PROPN
issue-771	194	28	2019	2019	NUM
issue-771	194	29	)	)	PUNCT
issue-771	194	30	.	.	PUNCT
issue-771	195	1	debonis	debonis	PROPN
issue-771	195	2	,	,	PUNCT
issue-771	195	3	j.	j.	PROPN
issue-771	195	4	(	(	PUNCT
issue-771	195	5	2017	2017	NUM
issue-771	195	6	)	)	PUNCT
issue-771	195	7	.	.	PUNCT
issue-771	196	1	banking	banking	NOUN
issue-771	196	2	on	on	ADP
issue-771	196	3	the	the	DET
issue-771	196	4	cloud	cloud	NOUN
issue-771	196	5	:	:	PUNCT
issue-771	196	6	why	why	SCONJ
issue-771	196	7	banks	bank	NOUN
issue-771	196	8	should	should	AUX
issue-771	196	9	embrace	embrace	VERB
issue-771	196	10	cloud	cloud	ADJ
issue-771	196	11	technology	technology	NOUN
issue-771	196	12	.	.	PUNCT
issue-771	197	1	bankdirector	bankdirector	NOUN
issue-771	197	2	.	.	PUNCT
issue-771	198	1	retrieved	retrieve	VERB
issue-771	198	2	from	from	ADP
issue-771	198	3	:	:	PUNCT
issue-771	198	4	https://www.bankdirector.com/issues/technology/banking-cloud-banks-embrace-cloud-technology	https://www.bankdirector.com/issues/technology/banking-cloud-banks-embrace-cloud-technology	NOUN
issue-771	198	5	(	(	PUNCT
issue-771	198	6	accessed	access	VERB
issue-771	198	7	21	21	NUM
issue-771	198	8	november	november	PROPN
issue-771	198	9	2019	2019	NUM
issue-771	198	10	)	)	PUNCT
issue-771	198	11	.	.	PUNCT
issue-771	199	1	euro	euro	PROPN
issue-771	199	2	area	area	PROPN
issue-771	199	3	statistics	statistic	NOUN
issue-771	199	4	(	(	PUNCT
issue-771	199	5	2019	2019	NUM
issue-771	199	6	)	)	PUNCT
issue-771	199	7	.	.	PUNCT
issue-771	200	1	banks	bank	NOUN
issue-771	200	2	balance	balance	NOUN
issue-771	200	3	sheet	sheet	NOUN
issue-771	200	4	.	.	PUNCT
issue-771	201	1	retrieved	retrieve	VERB
issue-771	201	2	from	from	ADP
issue-771	201	3	:	:	PUNCT
issue-771	201	4	https://www.euro-area-statistics.org/banks	https://www.euro-area-statistics.org/bank	NOUN
issue-771	201	5	balance	balance	NOUN
issue-771	201	6	-	-	PUNCT
issue-771	201	7	sheet	sheet	NOUN
issue-771	201	8	-	-	PUNCT
issue-771	201	9	loans?cr	loans?cr	NOUN
issue-771	201	10	=	=	NOUN
issue-771	201	11	eur&lg	eur&lg	NOUN
issue-771	201	12	=	=	SYM
issue-771	201	13	en&page=0&charts	en&page=0&chart	NOUN
issue-771	201	14	=	=	ADJ
issue-771	201	15	m	m	NOUN
issue-771	201	16	..	..	PUNCT
issue-771	201	17	n.a.a20.a.1.u2.2250.z01.e+m	n.a.a20.a.1.u2.2250.z01.e+m	PROPN
issue-771	201	18	..	..	SYM
issue-771	201	19	n.a.a20.a.1.u2	n.a.a20.a.1.u2	NOUN
issue-771	201	20	.	.	PUNCT
issue-771	202	1	2240.z01.e+m	2240.z01.e+m	NUM
issue-771	202	2	..	..	PUNCT
issue-771	202	3	n.a.a20.a.1.u2.2220.z01.e&template=1	n.a.a20.a.1.u2.2220.z01.e&template=1	PUNCT
issue-771	202	4	(	(	PUNCT
issue-771	202	5	accessed	access	VERB
issue-771	202	6	21	21	NUM
issue-771	202	7	november	november	PROPN
issue-771	202	8	2019	2019	NUM
issue-771	202	9	)	)	PUNCT
issue-771	202	10	.	.	PUNCT
issue-771	203	1	baltic	baltic	PROPN
issue-771	203	2	journal	journal	PROPN
issue-771	203	3	of	of	ADP
issue-771	203	4	economic	economic	ADJ
issue-771	203	5	studies	study	NOUN
issue-771	203	6	99	99	NUM
issue-771	203	7	vol	vol	NOUN
issue-771	203	8	.	.	PROPN
issue-771	204	1	6	6	NUM
issue-771	204	2	,	,	PUNCT
issue-771	204	3	no	no	INTJ
issue-771	204	4	.	.	NOUN
issue-771	204	5	1	1	NUM
issue-771	204	6	,	,	PUNCT
issue-771	204	7	2020	2020	NUM
issue-771	204	8	fintech	fintech	NOUN
issue-771	204	9	futures	future	NOUN
issue-771	204	10	(	(	PUNCT
issue-771	204	11	2014	2014	NUM
issue-771	204	12	)	)	PUNCT
issue-771	204	13	.	.	PUNCT
issue-771	205	1	six	six	NUM
issue-771	205	2	reasons	reason	NOUN
issue-771	205	3	why	why	SCONJ
issue-771	205	4	cloud	cloud	ADJ
issue-771	205	5	computing	computing	NOUN
issue-771	205	6	will	will	AUX
issue-771	205	7	transform	transform	VERB
issue-771	205	8	the	the	DET
issue-771	205	9	way	way	NOUN
issue-771	205	10	banks	bank	NOUN
issue-771	205	11	serve	serve	VERB
issue-771	205	12	clients	client	NOUN
issue-771	205	13	–	–	PUNCT
issue-771	205	14	and	and	CCONJ
issue-771	205	15	the	the	DET
issue-771	205	16	five	five	NUM
issue-771	205	17	hurdles	hurdle	NOUN
issue-771	205	18	to	to	PART
issue-771	205	19	overcome	overcome	VERB
issue-771	205	20	.	.	PUNCT
issue-771	206	1	retrieved	retrieve	VERB
issue-771	206	2	from	from	ADP
issue-771	206	3	:	:	PUNCT
issue-771	206	4	https://www.bankingtech.com/2014/07/six-reasons-why-cloudcomputing-will-transform-the-way-banks-serve-clients-and-the-five-hurdles-to-overcome	https://www.bankingtech.com/2014/07/six-reasons-why-cloudcomputing-will-transform-the-way-banks-serve-clients-and-the-five-hurdles-to-overcome	PROPN
issue-771	206	5	(	(	PUNCT
issue-771	206	6	accessed	access	VERB
issue-771	206	7	21	21	NUM
issue-771	206	8	november	november	PROPN
issue-771	206	9	2019	2019	NUM
issue-771	206	10	)	)	PUNCT
issue-771	206	11	.	.	PUNCT
issue-771	207	1	five	five	NUM
issue-771	207	2	degrees	degree	NOUN
issue-771	207	3	solutions	solution	NOUN
issue-771	207	4	(	(	PUNCT
issue-771	207	5	2019	2019	NUM
issue-771	207	6	)	)	PUNCT
issue-771	207	7	.	.	PUNCT
issue-771	208	1	digital	digital	ADJ
issue-771	208	2	banking	banking	NOUN
issue-771	208	3	:	:	PUNCT
issue-771	208	4	anywhere	anywhere	ADV
issue-771	208	5	and	and	CCONJ
issue-771	208	6	anytime	anytime	ADV
issue-771	208	7	.	.	PUNCT
issue-771	209	1	retrieved	retrieve	VERB
issue-771	209	2	from	from	ADP
issue-771	209	3	:	:	PUNCT
issue-771	209	4	https://www.fivedegrees.com/	https://www.fivedegrees.com/	PROPN
issue-771	209	5	digital	digital	PROPN
issue-771	209	6	-	-	PUNCT
issue-771	209	7	banking	banking	NOUN
issue-771	209	8	/	/	SYM
issue-771	209	9	what	what	PRON
issue-771	209	10	-	-	PUNCT
issue-771	209	11	is	be	AUX
issue-771	209	12	-	-	PUNCT
issue-771	209	13	digital	digital	ADJ
issue-771	209	14	-	-	PUNCT
issue-771	209	15	banking	banking	NOUN
issue-771	209	16	(	(	PUNCT
issue-771	209	17	accessed	access	VERB
issue-771	209	18	21	21	NUM
issue-771	209	19	november	november	PROPN
issue-771	209	20	2019	2019	NUM
issue-771	209	21	)	)	PUNCT
issue-771	209	22	.	.	PUNCT
issue-771	210	1	hontar	hontar	NOUN
issue-771	210	2	,	,	PUNCT
issue-771	210	3	a.	a.	NOUN
issue-771	210	4	(	(	PUNCT
issue-771	210	5	2017	2017	NUM
issue-771	210	6	)	)	PUNCT
issue-771	210	7	.	.	PUNCT
issue-771	211	1	tsyfrovoi	tsyfrovoi	PROPN
issue-771	211	2	bankynh	bankynh	PROPN
issue-771	211	3	kak	kak	PROPN
issue-771	211	4	odna	odna	ADV
issue-771	211	5	yz	yz	PROPN
issue-771	211	6	sostavliaiushchykh	sostavliaiushchykh	PROPN
issue-771	211	7	эkonomycheskoi	эkonomycheskoi	NOUN
issue-771	211	8	bezopasnosty	bezopasnosty	PROPN
issue-771	212	1	kredytnoi	kredytnoi	PROPN
issue-771	212	2	orhanyzatsyy	orhanyzatsyy	PROPN
issue-771	213	1	[	[	X
issue-771	213	2	digital	digital	ADJ
issue-771	213	3	banking	banking	NOUN
issue-771	213	4	as	as	ADP
issue-771	213	5	one	one	NUM
issue-771	213	6	of	of	ADP
issue-771	213	7	the	the	DET
issue-771	213	8	components	component	NOUN
issue-771	213	9	of	of	ADP
issue-771	213	10	the	the	DET
issue-771	213	11	economic	economic	ADJ
issue-771	213	12	security	security	NOUN
issue-771	213	13	of	of	ADP
issue-771	213	14	a	a	DET
issue-771	213	15	credit	credit	NOUN
issue-771	213	16	institution	institution	NOUN
issue-771	213	17	]	]	PUNCT
issue-771	213	18	.	.	PUNCT
issue-771	214	1	vestnyk	vestnyk	PROPN
issue-771	214	2	volzhskoho	volzhskoho	PROPN
issue-771	214	3	unyversyteta	unyversyteta	PROPN
issue-771	214	4	ymeny	ymeny	PROPN
issue-771	214	5	tamyshcheva	tamyshcheva	PROPN
issue-771	214	6	,	,	PUNCT
issue-771	214	7	4	4	NUM
issue-771	214	8	,	,	PUNCT
issue-771	214	9	1–8	1–8	NUM
issue-771	214	10	.	.	PUNCT
issue-771	215	1	(	(	PUNCT
issue-771	215	2	in	in	ADP
issue-771	215	3	russian	russian	ADJ
issue-771	215	4	)	)	PUNCT
issue-771	215	5	ifrim	ifrim	ADJ
issue-771	215	6	,	,	PUNCT
issue-771	215	7	o.	o.	INTJ
issue-771	215	8	(	(	PUNCT
issue-771	215	9	2019	2019	NUM
issue-771	215	10	)	)	PUNCT
issue-771	215	11	.	.	PUNCT
issue-771	216	1	open	open	ADJ
issue-771	216	2	banking	banking	NOUN
issue-771	216	3	is	be	AUX
issue-771	216	4	flashing	flash	VERB
issue-771	216	5	bright	bright	ADJ
issue-771	216	6	–	–	PUNCT
issue-771	216	7	what	what	DET
issue-771	216	8	problems	problem	NOUN
issue-771	216	9	can	can	AUX
issue-771	216	10	it	it	PRON
issue-771	216	11	solve	solve	VERB
issue-771	216	12	?	?	PUNCT
issue-771	217	1	the	the	DET
issue-771	217	2	paypers	payper	NOUN
issue-771	217	3	.	.	PUNCT
issue-771	218	1	retrieved	retrieve	VERB
issue-771	218	2	from	from	ADP
issue-771	218	3	:	:	PUNCT
issue-771	218	4	https://www.thepaypers.com/expert-opinion/open-banking-is-flashing-bright-what-problems-can-it-solve-/	https://www.thepaypers.com/expert-opinion/open-banking-is-flashing-bright-what-problems-can-it-solve-/	PROPN
issue-771	218	5	778758?utm_campaign=20190515	778758?utm_campaign=20190515	PROPN
issue-771	218	6	-	-	PUNCT
issue-771	218	7	automatic	automatic	ADJ
issue-771	218	8	-	-	PUNCT
issue-771	218	9	newsletter&utm_medium	newsletter&utm_medium	NUM
issue-771	218	10	=	=	SYM
issue-771	218	11	email&utm_source	email&utm_source	NUM
issue-771	218	12	=	=	NOUN
issue-771	218	13	newsletter	newsletter	NOUN
issue-771	218	14	&	&	CCONJ
issue-771	218	15	utm_content	utm_content	X
issue-771	218	16	(	(	PUNCT
issue-771	218	17	accessed	access	VERB
issue-771	218	18	21	21	NUM
issue-771	218	19	november	november	PROPN
issue-771	218	20	2019	2019	NUM
issue-771	218	21	)	)	PUNCT
issue-771	218	22	.	.	PUNCT
issue-771	219	1	kpmg	kpmg	PROPN
issue-771	219	2	(	(	PUNCT
issue-771	219	3	2019	2019	NUM
issue-771	219	4	)	)	PUNCT
issue-771	219	5	.	.	PUNCT
issue-771	220	1	the	the	DET
issue-771	220	2	pulse	pulse	NOUN
issue-771	220	3	of	of	ADP
issue-771	220	4	fintech	fintech	NOUN
issue-771	220	5	2018	2018	NUM
issue-771	220	6	,	,	PUNCT
issue-771	220	7	end	end	NOUN
issue-771	220	8	-	-	PUNCT
issue-771	220	9	of	of	ADP
issue-771	220	10	-	-	PUNCT
issue-771	220	11	year	year	NOUN
issue-771	220	12	edition	edition	NOUN
issue-771	220	13	.	.	PUNCT
issue-771	221	1	retrieved	retrieve	VERB
issue-771	221	2	from	from	ADP
issue-771	221	3	:	:	PUNCT
issue-771	221	4	https://assets.kpmg/content/	https://assets.kpmg/content/	PROPN
issue-771	221	5	dam	dam	PROPN
issue-771	221	6	/	/	SYM
issue-771	221	7	kpmg	kpmg	PROPN
issue-771	221	8	/	/	SYM
issue-771	221	9	xx	xx	PROPN
issue-771	221	10	/	/	SYM
issue-771	221	11	pdf/2019/02	pdf/2019/02	PROPN
issue-771	221	12	/	/	SYM
issue-771	221	13	the	the	DET
issue-771	221	14	-	-	PUNCT
issue-771	221	15	pulse	pulse	NOUN
issue-771	221	16	-	-	PUNCT
issue-771	221	17	of	of	ADP
issue-771	221	18	-	-	PUNCT
issue-771	221	19	fintech-2018.pdf	fintech-2018.pdf	PROPN
issue-771	221	20	(	(	PUNCT
issue-771	221	21	accessed	access	VERB
issue-771	221	22	21	21	NUM
issue-771	221	23	november	november	PROPN
issue-771	221	24	2019	2019	NUM
issue-771	221	25	)	)	PUNCT
issue-771	221	26	.	.	PUNCT
issue-771	222	1	kpmg	kpmg	PROPN
issue-771	222	2	(	(	PUNCT
issue-771	222	3	2018	2018	NUM
issue-771	222	4	)	)	PUNCT
issue-771	222	5	.	.	PUNCT
issue-771	223	1	the	the	DET
issue-771	223	2	pulse	pulse	NOUN
issue-771	223	3	of	of	ADP
issue-771	223	4	fintech	fintech	NOUN
issue-771	223	5	.	.	PUNCT
issue-771	224	1	biannual	biannual	ADJ
issue-771	224	2	global	global	ADJ
issue-771	224	3	analysis	analysis	NOUN
issue-771	224	4	of	of	ADP
issue-771	224	5	investment	investment	NOUN
issue-771	224	6	in	in	ADP
issue-771	224	7	fintech	fintech	NOUN
issue-771	224	8	.	.	PUNCT
issue-771	225	1	retrieved	retrieve	VERB
issue-771	225	2	from	from	ADP
issue-771	225	3	:	:	PUNCT
issue-771	225	4	https://assets.kpmg/content/dam/kpmg/xx/pdf/2018/07/h1-2018-pulse-of-fintech.pdf	https://assets.kpmg/content/dam/kpmg/xx/pdf/2018/07/h1-2018-pulse-of-fintech.pdf	NOUN
issue-771	225	5	(	(	PUNCT
issue-771	225	6	accessed	access	VERB
issue-771	225	7	21	21	NUM
issue-771	225	8	november	november	PROPN
issue-771	225	9	2019	2019	NUM
issue-771	225	10	)	)	PUNCT
issue-771	225	11	.	.	PUNCT
issue-771	226	1	mazaraki	mazaraki	ADV
issue-771	226	2	,	,	PUNCT
issue-771	226	3	a.	a.	PROPN
issue-771	226	4	,	,	PUNCT
issue-771	226	5	&	&	CCONJ
issue-771	226	6	kasianova	kasianova	PROPN
issue-771	226	7	,	,	PUNCT
issue-771	226	8	a.	a.	NOUN
issue-771	226	9	(	(	PUNCT
issue-771	226	10	2015	2015	NUM
issue-771	226	11	)	)	PUNCT
issue-771	226	12	.	.	PUNCT
issue-771	227	1	overview	overview	NOUN
issue-771	227	2	of	of	ADP
issue-771	227	3	proactive	proactive	ADJ
issue-771	227	4	and	and	CCONJ
issue-771	227	5	reactive	reactive	ADJ
issue-771	227	6	activities	activity	NOUN
issue-771	227	7	in	in	ADP
issue-771	227	8	corporate	corporate	ADJ
issue-771	227	9	crisis	crisis	NOUN
issue-771	227	10	management	management	NOUN
issue-771	227	11	.	.	PUNCT
issue-771	228	1	economic	economic	ADJ
issue-771	228	2	annals	annal	NOUN
issue-771	228	3	-	-	PUNCT
issue-771	228	4	xxi	xxi	ADJ
issue-771	228	5	,	,	PUNCT
issue-771	228	6	3	3	NUM
issue-771	228	7	-	-	SYM
issue-771	228	8	4(1	4(1	NUM
issue-771	228	9	)	)	PUNCT
issue-771	228	10	,	,	PUNCT
issue-771	228	11	42–45	42–45	PROPN
issue-771	228	12	.	.	PROPN
issue-771	229	1	mazaraki	mazaraki	PROPN
issue-771	229	2	a.	a.	PROPN
issue-771	229	3	,	,	PUNCT
issue-771	229	4	melnichenko	melnichenko	NOUN
issue-771	229	5	s.	s.	PROPN
issue-771	229	6	,	,	PUNCT
issue-771	229	7	duginets	duginet	NOUN
issue-771	229	8	g.	g.	PROPN
issue-771	229	9	et	et	PROPN
issue-771	229	10	al	al	PROPN
issue-771	229	11	.	.	PROPN
issue-771	229	12	(	(	PUNCT
issue-771	229	13	2018	2018	NUM
issue-771	229	14	)	)	PUNCT
issue-771	229	15	.	.	PUNCT
issue-771	230	1	ukrainian	ukrainian	ADJ
issue-771	230	2	economy	economy	NOUN
issue-771	230	3	growth	growth	NOUN
issue-771	230	4	imperatives	imperative	NOUN
issue-771	230	5	:	:	PUNCT
issue-771	230	6	monograph	monograph	NOUN
issue-771	230	7	.	.	PUNCT
issue-771	230	8	edited	edit	VERB
issue-771	230	9	by	by	ADP
issue-771	230	10	anatolii	anatolii	NOUN
issue-771	230	11	a.	a.	NOUN
issue-771	230	12	mazaraki	mazaraki	PROPN
issue-771	230	13	.	.	PUNCT
issue-771	231	1	prague	prague	NOUN
issue-771	231	2	:	:	PUNCT
issue-771	231	3	coretex	coretex	PROPN
issue-771	231	4	cz	cz	PROPN
issue-771	231	5	se	se	PROPN
issue-771	231	6	.	.	PROPN
issue-771	232	1	310	310	NUM
issue-771	232	2	.	.	PUNCT
issue-771	233	1	melnyk	melnyk	PROPN
issue-771	233	2	t.	t.	PROPN
issue-771	233	3	,	,	PUNCT
issue-771	233	4	melnychenko	melnychenko	PROPN
issue-771	233	5	s.	s.	PROPN
issue-771	233	6	,	,	PUNCT
issue-771	233	7	&	&	CCONJ
issue-771	233	8	reznikova	reznikova	PROPN
issue-771	233	9	n.	n.	PROPN
issue-771	233	10	(	(	PUNCT
issue-771	233	11	2019	2019	NUM
issue-771	233	12	)	)	PUNCT
issue-771	233	13	.	.	PUNCT
issue-771	234	1	the	the	DET
issue-771	234	2	conceptual	conceptual	ADJ
issue-771	234	3	framework	framework	NOUN
issue-771	234	4	for	for	ADP
issue-771	234	5	the	the	DET
issue-771	234	6	operation	operation	NOUN
issue-771	234	7	of	of	ADP
issue-771	234	8	financial	financial	ADJ
issue-771	234	9	systems	system	NOUN
issue-771	234	10	in	in	ADP
issue-771	234	11	the	the	DET
issue-771	234	12	context	context	NOUN
issue-771	234	13	of	of	ADP
issue-771	234	14	global	global	ADJ
issue-771	234	15	structural	structural	ADJ
issue-771	234	16	transformations	transformation	NOUN
issue-771	234	17	of	of	ADP
issue-771	234	18	business	business	NOUN
issue-771	234	19	models	model	NOUN
issue-771	234	20	of	of	ADP
issue-771	234	21	banking	banking	NOUN
issue-771	234	22	.	.	PUNCT
issue-771	235	1	baltic	baltic	PROPN
issue-771	235	2	journal	journal	PROPN
issue-771	235	3	of	of	ADP
issue-771	235	4	economic	economic	ADJ
issue-771	235	5	studies	study	NOUN
issue-771	235	6	,	,	PUNCT
issue-771	235	7	5(4	5(4	NUM
issue-771	235	8	)	)	PUNCT
issue-771	235	9	,	,	PUNCT
issue-771	235	10	148–154	148–154	NUM
issue-771	235	11	.	.	PUNCT
issue-771	236	1	doi	doi	NOUN
issue-771	236	2	:	:	PUNCT
issue-771	236	3	10.30525/2256	10.30525/2256	NUM
issue-771	236	4	-	-	PUNCT
issue-771	236	5	0742/2019	0742/2019	NUM
issue-771	236	6	-	-	PUNCT
issue-771	236	7	5	5	NUM
issue-771	236	8	-	-	PUNCT
issue-771	236	9	4	4	NUM
issue-771	236	10	-	-	PUNCT
issue-771	236	11	148	148	NUM
issue-771	236	12	-	-	SYM
issue-771	236	13	154	154	NUM
issue-771	236	14	mnykh	mnykh	NOUN
issue-771	236	15	,	,	PUNCT
issue-771	236	16	ye	ye	PRON
issue-771	236	17	.	.	PROPN
issue-771	236	18	,	,	PUNCT
issue-771	236	19	bardash	bardash	NOUN
issue-771	236	20	,	,	PUNCT
issue-771	236	21	s.	s.	PROPN
issue-771	236	22	,	,	PUNCT
issue-771	236	23	&	&	CCONJ
issue-771	236	24	shevchuk	shevchuk	PROPN
issue-771	236	25	,	,	PUNCT
issue-771	236	26	o.	o.	PROPN
issue-771	236	27	(	(	PUNCT
issue-771	236	28	2011	2011	NUM
issue-771	236	29	)	)	PUNCT
issue-771	236	30	.	.	PUNCT
issue-771	237	1	kontrol	kontrol	PROPN
issue-771	237	2	u	u	PROPN
issue-771	237	3	sferi	sferi	PROPN
issue-771	237	4	innovatsiinoho	innovatsiinoho	PROPN
issue-771	237	5	menedzhmentu	menedzhmentu	VERB
issue-771	237	6	pidpryiemstva	pidpryiemstva	NOUN
issue-771	237	7	:	:	PUNCT
issue-771	237	8	monohrafiia	monohrafiia	VERB
issue-771	238	1	[	[	X
issue-771	238	2	control	control	NOUN
issue-771	238	3	in	in	ADP
issue-771	238	4	the	the	DET
issue-771	238	5	field	field	NOUN
issue-771	238	6	of	of	ADP
issue-771	238	7	enterprise	enterprise	NOUN
issue-771	238	8	innovation	innovation	NOUN
issue-771	238	9	management	management	NOUN
issue-771	238	10	]	]	PUNCT
issue-771	238	11	.	.	PUNCT
issue-771	239	1	kyiv	kyiv	PROPN
issue-771	239	2	:	:	PUNCT
issue-771	239	3	kyivskyi	kyivskyi	PROPN
issue-771	239	4	natsionalnyi	natsionalnyi	PROPN
issue-771	239	5	torhovelnoekonomichnyi	torhovelnoekonomichnyi	PROPN
issue-771	239	6	universytet	universytet	PROPN
issue-771	239	7	.	.	PUNCT
issue-771	240	1	(	(	PUNCT
issue-771	240	2	in	in	ADP
issue-771	240	3	ukrainian	ukrainian	ADJ
issue-771	240	4	)	)	PUNCT
issue-771	240	5	national	national	PROPN
issue-771	240	6	bank	bank	PROPN
issue-771	240	7	of	of	ADP
issue-771	240	8	ukraine	ukraine	PROPN
issue-771	240	9	(	(	PUNCT
issue-771	240	10	2018	2018	NUM
issue-771	240	11	)	)	PUNCT
issue-771	240	12	.	.	PUNCT
issue-771	241	1	didzhytalizatsiia	didzhytalizatsiia	VERB
issue-771	241	2	finansovykh	finansovykh	NOUN
issue-771	241	3	posluh	posluh	NOUN
issue-771	242	1	[	[	X
issue-771	242	2	digitization	digitization	NOUN
issue-771	242	3	of	of	ADP
issue-771	242	4	financial	financial	ADJ
issue-771	242	5	services	service	NOUN
issue-771	242	6	]	]	PUNCT
issue-771	242	7	.	.	PUNCT
issue-771	243	1	facebook	facebook	PROPN
issue-771	243	2	news	news	PROPN
issue-771	243	3	.	.	PUNCT
issue-771	244	1	retrieved	retrieve	VERB
issue-771	244	2	from	from	ADP
issue-771	244	3	:	:	PUNCT
issue-771	244	4	https://www.facebook.com/nationalbankof	https://www.facebook.com/nationalbankof	PROPN
issue-771	244	5	ukraine	ukraine	NOUN
issue-771	244	6	/	/	SYM
issue-771	244	7	posts/2177028069178020	posts/2177028069178020	PROPN
issue-771	244	8	(	(	PUNCT
issue-771	244	9	accessed	access	VERB
issue-771	244	10	21	21	NUM
issue-771	244	11	november	november	PROPN
issue-771	244	12	2019	2019	NUM
issue-771	244	13	)	)	PUNCT
issue-771	244	14	.	.	PUNCT
issue-771	245	1	rysin	rysin	PROPN
issue-771	245	2	,	,	PUNCT
issue-771	245	3	m.	m.	NOUN
issue-771	245	4	&	&	CCONJ
issue-771	245	5	fediuk	fediuk	PROPN
issue-771	245	6	,	,	PUNCT
issue-771	245	7	i.	i.	NOUN
issue-771	245	8	(	(	PUNCT
issue-771	245	9	2017	2017	NUM
issue-771	245	10	)	)	PUNCT
issue-771	245	11	.	.	PUNCT
issue-771	246	1	shliakhy	shliakhy	PROPN
issue-771	246	2	vprovadzhennia	vprovadzhennia	PROPN
issue-771	246	3	innovatsiinykh	innovatsiinykh	PROPN
issue-771	246	4	bankivskykh	bankivskykh	ADJ
issue-771	246	5	produktiv	produktiv	NOUN
issue-771	246	6	v	v	ADP
issue-771	246	7	umovakh	umovakh	NOUN
issue-771	246	8	hlobalizatsii	hlobalizatsii	PROPN
issue-771	247	1	[	[	X
issue-771	247	2	ways	way	NOUN
issue-771	247	3	to	to	PART
issue-771	247	4	introduce	introduce	VERB
issue-771	247	5	innovative	innovative	ADJ
issue-771	247	6	banking	banking	NOUN
issue-771	247	7	products	product	NOUN
issue-771	247	8	in	in	ADP
issue-771	247	9	the	the	DET
issue-771	247	10	context	context	NOUN
issue-771	247	11	of	of	ADP
issue-771	247	12	globalization	globalization	NOUN
issue-771	247	13	]	]	PUNCT
issue-771	247	14	.	.	PUNCT
issue-771	248	1	visnyk	visnyk	PROPN
issue-771	248	2	universytetu	universytetu	PROPN
issue-771	248	3	bankivskoi	bankivskoi	PROPN
issue-771	248	4	spravy	spravy	NOUN
issue-771	248	5	–	–	PUNCT
issue-771	248	6	bulletin	bulletin	NOUN
issue-771	248	7	of	of	ADP
issue-771	248	8	the	the	DET
issue-771	248	9	university	university	NOUN
issue-771	248	10	of	of	ADP
issue-771	248	11	banking	banking	NOUN
issue-771	248	12	,	,	PUNCT
issue-771	248	13	3(30	3(30	NUM
issue-771	248	14	)	)	PUNCT
issue-771	248	15	,	,	PUNCT
issue-771	248	16	71–76	71–76	NUM
issue-771	248	17	.	.	PUNCT
issue-771	249	1	(	(	PUNCT
issue-771	249	2	in	in	ADP
issue-771	249	3	ukrainian	ukrainian	ADJ
issue-771	249	4	)	)	PUNCT
issue-771	249	5	scheele	scheele	PROPN
issue-771	249	6	,	,	PUNCT
issue-771	249	7	j.	j.	PROPN
issue-771	249	8	(	(	PUNCT
issue-771	249	9	2018	2018	NUM
issue-771	249	10	)	)	PUNCT
issue-771	249	11	.	.	PUNCT
issue-771	250	1	addressing	address	VERB
issue-771	250	2	cybersecurity	cybersecurity	NOUN
issue-771	250	3	in	in	ADP
issue-771	250	4	financial	financial	ADJ
issue-771	250	5	institutions	institution	NOUN
issue-771	250	6	/	/	SYM
issue-771	250	7	fintech	fintech	NOUN
issue-771	250	8	partnerships	partnership	NOUN
issue-771	250	9	.	.	PUNCT
issue-771	251	1	globalsign	globalsign	ADJ
issue-771	251	2	blog	blog	NOUN
issue-771	251	3	.	.	PUNCT
issue-771	252	1	retrieved	retrieve	VERB
issue-771	252	2	from	from	ADP
issue-771	252	3	:	:	PUNCT
issue-771	252	4	https://www.globalsign.com/en/blog/addressing-cybersecurity-in-financial-institution-fintechpartnerships	https://www.globalsign.com/en/blog/addressing-cybersecurity-in-financial-institution-fintechpartnership	NOUN
issue-771	252	5	(	(	PUNCT
issue-771	252	6	accessed	access	VERB
issue-771	252	7	21	21	NUM
issue-771	252	8	november	november	PROPN
issue-771	252	9	2019	2019	NUM
issue-771	252	10	)	)	PUNCT
issue-771	252	11	.	.	PUNCT
issue-771	253	1	springfield	springfield	PROPN
issue-771	253	2	,	,	PUNCT
issue-771	253	3	c.	c.	PROPN
issue-771	253	4	(	(	PUNCT
issue-771	253	5	2018	2018	NUM
issue-771	253	6	)	)	PUNCT
issue-771	253	7	.	.	PUNCT
issue-771	254	1	the	the	DET
issue-771	254	2	impact	impact	NOUN
issue-771	254	3	of	of	ADP
issue-771	254	4	cloud	cloud	NOUN
issue-771	254	5	computing	computing	NOUN
issue-771	254	6	on	on	ADP
issue-771	254	7	the	the	DET
issue-771	254	8	banking	banking	NOUN
issue-771	254	9	sector	sector	NOUN
issue-771	254	10	.	.	PUNCT
issue-771	255	1	international	international	ADJ
issue-771	255	2	banker	banker	NOUN
issue-771	255	3	.	.	PUNCT
issue-771	256	1	retrieved	retrieve	VERB
issue-771	256	2	from	from	ADP
issue-771	256	3	:	:	PUNCT
issue-771	256	4	https://internationalbanker.com/banking/the-impact-of-cloud-computing-on-the-banking-sector	https://internationalbanker.com/banking/the-impact-of-cloud-computing-on-the-banking-sector	PROPN
issue-771	256	5	(	(	PUNCT
issue-771	256	6	accessed	access	VERB
issue-771	256	7	21	21	NUM
issue-771	256	8	november	november	PROPN
issue-771	256	9	2019	2019	NUM
issue-771	256	10	)	)	PUNCT
issue-771	256	11	.	.	PUNCT
issue-771	257	1	thakkar	thakkar	PROPN
issue-771	257	2	,	,	PUNCT
issue-771	257	3	d.	d.	PROPN
issue-771	257	4	(	(	PUNCT
issue-771	257	5	2019	2019	NUM
issue-771	257	6	)	)	PUNCT
issue-771	257	7	.	.	PUNCT
issue-771	258	1	using	use	VERB
issue-771	258	2	biometric	biometric	ADJ
issue-771	258	3	authentication	authentication	NOUN
issue-771	258	4	for	for	ADP
issue-771	258	5	customer	customer	NOUN
issue-771	258	6	verification	verification	NOUN
issue-771	258	7	(	(	PUNCT
issue-771	258	8	kyc	kyc	PROPN
issue-771	258	9	)	)	PUNCT
issue-771	258	10	.	.	PUNCT
issue-771	259	1	bayometric	bayometric	PROPN
issue-771	259	2	.	.	PUNCT
issue-771	260	1	retrieved	retrieve	VERB
issue-771	260	2	from	from	ADP
issue-771	260	3	:	:	PUNCT
issue-771	260	4	https://www.bayometric.com/biometric-authentication-customer-verification-kyc	https://www.bayometric.com/biometric-authentication-customer-verification-kyc	NOUN
issue-771	260	5	(	(	PUNCT
issue-771	260	6	accessed	access	VERB
issue-771	260	7	21	21	NUM
issue-771	260	8	november	november	PROPN
issue-771	260	9	2019	2019	NUM
issue-771	260	10	)	)	PUNCT
issue-771	260	11	.	.	PUNCT
issue-771	261	1	the	the	DET
issue-771	261	2	paypers	payper	NOUN
issue-771	261	3	(	(	PUNCT
issue-771	261	4	2019	2019	NUM
issue-771	261	5	)	)	PUNCT
issue-771	261	6	.	.	PUNCT
issue-771	262	1	fintech	fintech	NOUN
issue-771	262	2	gaining	gain	VERB
issue-771	262	3	favour	favour	NOUN
issue-771	262	4	in	in	ADP
issue-771	262	5	b2b	b2b	NOUN
issue-771	262	6	payments	payment	NOUN
issue-771	262	7	.	.	PUNCT
issue-771	263	1	retrieved	retrieve	VERB
issue-771	263	2	from	from	ADP
issue-771	263	3	:	:	PUNCT
issue-771	263	4	https://www.thepaypers.com/	https://www.thepaypers.com/	ADJ
issue-771	263	5	e	e	NOUN
issue-771	263	6	-	-	ADJ
issue-771	263	7	invoicing	invoicing	ADJ
issue-771	263	8	-	-	PUNCT
issue-771	263	9	scf	scf	PROPN
issue-771	263	10	-	-	PUNCT
issue-771	263	11	e	e	NOUN
issue-771	263	12	-	-	NOUN
issue-771	263	13	procurement	procurement	ADJ
issue-771	263	14	/	/	SYM
issue-771	263	15	fintech	fintech	NOUN
issue-771	263	16	-	-	PUNCT
issue-771	263	17	gaining	gaining	NOUN
issue-771	263	18	-	-	PUNCT
issue-771	263	19	favour	favour	NOUN
issue-771	263	20	-	-	PUNCT
issue-771	263	21	in	in	ADP
issue-771	263	22	-	-	PUNCT
issue-771	263	23	b2b	b2b	NOUN
issue-771	263	24	-	-	PUNCT
issue-771	263	25	payments	payment	NOUN
issue-771	263	26	-	-	PUNCT
issue-771	263	27	bottomline	bottomline	NOUN
issue-771	263	28	-	-	PUNCT
issue-771	263	29	survey	survey	NOUN
issue-771	263	30	-	-	PUNCT
issue-771	263	31	finds/77891024?utm_campaign=20190524	finds/77891024?utm_campaign=20190524	NUM
issue-771	263	32	-	-	PUNCT
issue-771	263	33	automatic	automatic	ADJ
issue-771	263	34	-	-	PUNCT
issue-771	263	35	newsletter&utm_medium	newsletter&utm_medium	NUM
issue-771	263	36	=	=	SYM
issue-771	263	37	email&utm_source	email&utm_source	NUM
issue-771	263	38	=	=	NOUN
issue-771	263	39	newsletter&utm	newsletter&utm	NOUN
issue-771	263	40	_	_	NOUN
issue-771	263	41	content	content	NOUN
issue-771	263	42	(	(	PUNCT
issue-771	263	43	accessed	access	VERB
issue-771	263	44	21	21	NUM
issue-771	263	45	november	november	PROPN
issue-771	263	46	2019	2019	NUM
issue-771	263	47	)	)	PUNCT
issue-771	263	48	.	.	PUNCT
issue-771	264	1	unit.city	unit.city	NOUN
issue-771	264	2	(	(	PUNCT
issue-771	264	3	2018	2018	NUM
issue-771	264	4	)	)	PUNCT
issue-771	264	5	.	.	PUNCT
issue-771	265	1	fintekh	fintekh	PROPN
issue-771	265	2	v	v	X
issue-771	265	3	ukraini	ukraini	NOUN
issue-771	265	4	[	[	X
issue-771	265	5	fintech	fintech	NOUN
issue-771	265	6	in	in	ADP
issue-771	265	7	ukraine	ukraine	NOUN
issue-771	265	8	]	]	PUNCT
issue-771	265	9	.	.	PUNCT
issue-771	266	1	usaid	usaid	PROPN
issue-771	266	2	project	project	PROPN
issue-771	266	3	:	:	PUNCT
issue-771	266	4	«	«	PUNCT
issue-771	266	5	transforming	transform	VERB
issue-771	266	6	the	the	DET
issue-771	266	7	financial	financial	ADJ
issue-771	266	8	sector	sector	NOUN
issue-771	266	9	in	in	ADP
issue-771	266	10	ukraine	ukraine	NOUN
issue-771	266	11	»	»	PUNCT
issue-771	266	12	.	.	PUNCT
issue-771	267	1	retrieved	retrieve	VERB
issue-771	267	2	from	from	ADP
issue-771	267	3	:	:	PUNCT
issue-771	267	4	https://data.unit.city/fintech/fgt34ko67mok/fintech_in_ukraine_2018_ua.pdf	https://data.unit.city/fintech/fgt34ko67mok/fintech_in_ukraine_2018_ua.pdf	PROPN
issue-771	267	5	(	(	PUNCT
issue-771	267	6	accessed	access	VERB
issue-771	267	7	21	21	NUM
issue-771	267	8	november	november	PROPN
issue-771	267	9	2019	2019	NUM
issue-771	267	10	)	)	PUNCT
issue-771	267	11	.	.	PUNCT
issue-771	268	1	williams	williams	PROPN
issue-771	268	2	-	-	PUNCT
issue-771	268	3	grut	grut	PROPN
issue-771	268	4	,	,	PUNCT
issue-771	268	5	o.	o.	NOUN
issue-771	268	6	(	(	PUNCT
issue-771	268	7	2015	2015	NUM
issue-771	268	8	)	)	PUNCT
issue-771	268	9	.	.	PUNCT
issue-771	269	1	ex	ex	PROPN
issue-771	269	2	-	-	ADJ
issue-771	269	3	barclays	barclay	NOUN
issue-771	269	4	ceo	ceo	NOUN
issue-771	269	5	:	:	PUNCT
issue-771	269	6	banks	bank	NOUN
issue-771	269	7	are	be	AUX
issue-771	269	8	about	about	ADJ
issue-771	269	9	to	to	PART
issue-771	269	10	have	have	VERB
issue-771	269	11	an	an	DET
issue-771	269	12	'	'	PUNCT
issue-771	269	13	uber	uber	ADJ
issue-771	269	14	moment	moment	NOUN
issue-771	269	15	'	'	PUNCT
issue-771	269	16	–	–	PUNCT
issue-771	269	17	and	and	CCONJ
issue-771	269	18	it	it	PRON
issue-771	269	19	’s	’s	AUX
issue-771	269	20	going	go	VERB
issue-771	269	21	to	to	PART
issue-771	269	22	be	be	AUX
issue-771	269	23	painful	painful	ADJ
issue-771	269	24	.	.	PUNCT
issue-771	270	1	business	business	NOUN
issue-771	270	2	insider	insider	NOUN
issue-771	270	3	.	.	PUNCT
issue-771	271	1	retrieved	retrieve	VERB
issue-771	271	2	from	from	ADP
issue-771	271	3	:	:	PUNCT
issue-771	271	4	http://uk.businessinsider.com/ex-barclays-boss-anthony-jenkins-onfintech-and-bankings-uber-moment-2015-11	http://uk.businessinsider.com/ex-barclays-boss-anthony-jenkins-onfintech-and-bankings-uber-moment-2015-11	PROPN
issue-771	271	5	(	(	PUNCT
issue-771	271	6	accessed	access	VERB
issue-771	271	7	21	21	NUM
issue-771	271	8	november	november	PROPN
issue-771	271	9	2019	2019	NUM
issue-771	271	10	)	)	PUNCT
issue-771	271	11	.	.	PUNCT
issue-771	272	1	w.up	w.up	NOUN
issue-771	272	2	(	(	PUNCT
issue-771	272	3	2018	2018	NUM
issue-771	272	4	)	)	PUNCT
issue-771	272	5	.	.	PUNCT
issue-771	273	1	machine	machine	NOUN
issue-771	273	2	learning	learn	VERB
issue-771	273	3	in	in	ADP
issue-771	273	4	banking	banking	NOUN
issue-771	273	5	:	:	PUNCT
issue-771	273	6	the	the	DET
issue-771	273	7	rise	rise	NOUN
issue-771	273	8	of	of	ADP
issue-771	273	9	the	the	DET
issue-771	273	10	bots	bot	NOUN
issue-771	273	11	.	.	PUNCT
issue-771	274	1	retrieved	retrieve	VERB
issue-771	274	2	from	from	ADP
issue-771	274	3	:	:	PUNCT
issue-771	274	4	https://wup.digital/blog/	https://wup.digital/blog/	NOUN
issue-771	274	5	machine	machine	NOUN
issue-771	274	6	-	-	PUNCT
issue-771	274	7	learning	learning	NOUN
issue-771	274	8	-	-	PUNCT
issue-771	274	9	digital	digital	NOUN
issue-771	274	10	-	-	PUNCT
issue-771	274	11	banking	banking	NOUN
issue-771	274	12	(	(	PUNCT
issue-771	274	13	accessed	access	VERB
issue-771	274	14	21	21	NUM
issue-771	274	15	november	november	PROPN
issue-771	274	16	2019	2019	NUM
issue-771	274	17	)	)	PUNCT
issue-771	274	18	.	.	PUNCT