id	sid	tid	token	lemma	pos
issue-856	1	1	baltic	baltic	PROPN
issue-856	1	2	journal	journal	PROPN
issue-856	1	3	of	of	ADP
issue-856	1	4	economic	economic	ADJ
issue-856	1	5	studies	study	NOUN
issue-856	1	6	46	46	NUM
issue-856	1	7	vol	vol	NOUN
issue-856	1	8	.	.	PROPN
issue-856	2	1	6	6	NUM
issue-856	2	2	,	,	PUNCT
issue-856	2	3	no	no	INTJ
issue-856	2	4	.	.	NOUN
issue-856	2	5	4	4	NUM
issue-856	2	6	,	,	PUNCT
issue-856	2	7	2020	2020	NUM
issue-856	2	8	corresponding	correspond	VERB
issue-856	2	9	author	author	NOUN
issue-856	2	10	:	:	PUNCT
issue-856	2	11	1	1	NUM
issue-856	2	12	uzhhorod	uzhhorod	PROPN
issue-856	2	13	national	national	PROPN
issue-856	2	14	university	university	PROPN
issue-856	2	15	,	,	PUNCT
issue-856	2	16	ukraine	ukraine	NOUN
issue-856	2	17	.	.	PUNCT
issue-856	3	1	e	e	X
issue-856	3	2	-	-	NOUN
issue-856	3	3	mail	mail	NOUN
issue-856	3	4	:	:	PUNCT
issue-856	3	5	vira.vartsaba@gmail.com	vira.vartsaba@gmail.com	X
issue-856	3	6	orcid	orcid	NOUN
issue-856	3	7	:	:	PUNCT
issue-856	3	8	https://orcid.org/0000-0001-8693-8726	https://orcid.org/0000-0001-8693-8726	PROPN
issue-856	3	9	researcherid	researcherid	NOUN
issue-856	3	10	:	:	PUNCT
issue-856	3	11	https://publons.com/researcher/aaq-8840-2020	https://publons.com/researcher/aaq-8840-2020	NOUN
issue-856	3	12	2	2	NUM
issue-856	3	13	uzhhorod	uzhhorod	PROPN
issue-856	3	14	national	national	PROPN
issue-856	3	15	university	university	PROPN
issue-856	3	16	,	,	PUNCT
issue-856	3	17	ukraine	ukraine	NOUN
issue-856	3	18	.	.	PUNCT
issue-856	4	1	e	e	X
issue-856	4	2	-	-	NOUN
issue-856	4	3	mail	mail	NOUN
issue-856	4	4	:	:	PUNCT
issue-856	5	1	o.i.zaslavska@gmail.com	o.i.zaslavska@gmail.com	X
issue-856	5	2	orcid	orcid	NOUN
issue-856	5	3	:	:	PUNCT
issue-856	5	4	https://orcid.org/0000-0002-6418-9514	https://orcid.org/0000-0002-6418-9514	NOUN
issue-856	5	5	researcherid	researcherid	VERB
issue-856	5	6	:	:	PUNCT
issue-856	5	7	https://publons.com/researcher/f-6924-2019	https://publons.com/researcher/f-6924-2019	X
issue-856	6	1	doi	doi	NOUN
issue-856	6	2	:	:	PUNCT
issue-856	6	3	https://doi.org/10.30525/2256-0742/2020-6-4-46-55	https://doi.org/10.30525/2256-0742/2020-6-4-46-55	ADJ
issue-856	6	4	fintech	fintech	NOUN
issue-856	6	5	industry	industry	NOUN
issue-856	6	6	in	in	ADP
issue-856	6	7	ukraine	ukraine	NOUN
issue-856	6	8	:	:	PUNCT
issue-856	6	9	problems	problem	NOUN
issue-856	6	10	and	and	CCONJ
issue-856	6	11	prospects	prospect	NOUN
issue-856	6	12	for	for	ADP
issue-856	6	13	the	the	DET
issue-856	6	14	implementation	implementation	NOUN
issue-856	6	15	of	of	ADP
issue-856	6	16	innovative	innovative	ADJ
issue-856	6	17	solutions	solution	NOUN
issue-856	6	18	vira	vira	PROPN
issue-856	6	19	vartsaba1	vartsaba1	PROPN
issue-856	6	20	,	,	PUNCT
issue-856	6	21	olha	olha	NOUN
issue-856	6	22	zaslavska2	zaslavska2	PROPN
issue-856	6	23	abstract	abstract	PROPN
issue-856	6	24	.	.	PUNCT
issue-856	7	1	the	the	DET
issue-856	7	2	article	article	NOUN
issue-856	7	3	considers	consider	VERB
issue-856	7	4	the	the	DET
issue-856	7	5	issues	issue	NOUN
issue-856	7	6	of	of	ADP
issue-856	7	7	development	development	NOUN
issue-856	7	8	of	of	ADP
issue-856	7	9	the	the	DET
issue-856	7	10	financial	financial	ADJ
issue-856	7	11	technology	technology	NOUN
issue-856	7	12	market	market	NOUN
issue-856	7	13	,	,	PUNCT
issue-856	7	14	its	its	PRON
issue-856	7	15	opportunities	opportunity	NOUN
issue-856	7	16	and	and	CCONJ
issue-856	7	17	obstacles	obstacle	NOUN
issue-856	7	18	,	,	PUNCT
issue-856	7	19	as	as	ADV
issue-856	7	20	well	well	ADV
issue-856	7	21	as	as	ADP
issue-856	7	22	the	the	DET
issue-856	7	23	need	need	NOUN
issue-856	7	24	and	and	CCONJ
issue-856	7	25	inevitability	inevitability	NOUN
issue-856	7	26	of	of	ADP
issue-856	7	27	the	the	DET
issue-856	7	28	introduction	introduction	NOUN
issue-856	7	29	of	of	ADP
issue-856	7	30	fintech	fintech	NOUN
issue-856	7	31	solutions	solution	NOUN
issue-856	7	32	in	in	ADP
issue-856	7	33	the	the	DET
issue-856	7	34	financial	financial	ADJ
issue-856	7	35	and	and	CCONJ
issue-856	7	36	credit	credit	NOUN
issue-856	7	37	spheres	sphere	NOUN
issue-856	7	38	.	.	PUNCT
issue-856	8	1	the	the	DET
issue-856	8	2	main	main	ADJ
issue-856	8	3	purpose	purpose	NOUN
issue-856	8	4	of	of	ADP
issue-856	8	5	the	the	DET
issue-856	8	6	research	research	NOUN
issue-856	8	7	is	be	AUX
issue-856	8	8	to	to	PART
issue-856	8	9	determine	determine	VERB
issue-856	8	10	the	the	DET
issue-856	8	11	role	role	NOUN
issue-856	8	12	of	of	ADP
issue-856	8	13	fintech	fintech	NOUN
issue-856	8	14	services	service	NOUN
issue-856	8	15	in	in	ADP
issue-856	8	16	the	the	DET
issue-856	8	17	state	state	NOUN
issue-856	8	18	economy	economy	NOUN
issue-856	8	19	,	,	PUNCT
issue-856	8	20	the	the	DET
issue-856	8	21	prospects	prospect	NOUN
issue-856	8	22	for	for	ADP
issue-856	8	23	their	their	PRON
issue-856	8	24	development	development	NOUN
issue-856	8	25	,	,	PUNCT
issue-856	8	26	as	as	ADV
issue-856	8	27	well	well	ADV
issue-856	8	28	as	as	ADP
issue-856	8	29	to	to	PART
issue-856	8	30	substantiate	substantiate	VERB
issue-856	8	31	the	the	DET
issue-856	8	32	trends	trend	NOUN
issue-856	8	33	of	of	ADP
issue-856	8	34	adaptation	adaptation	NOUN
issue-856	8	35	of	of	ADP
issue-856	8	36	classical	classical	ADJ
issue-856	8	37	credit	credit	NOUN
issue-856	8	38	institutions	institution	NOUN
issue-856	8	39	and	and	CCONJ
issue-856	8	40	consumers	consumer	NOUN
issue-856	8	41	of	of	ADP
issue-856	8	42	financial	financial	ADJ
issue-856	8	43	services	service	NOUN
issue-856	8	44	to	to	ADP
issue-856	8	45	new	new	ADJ
issue-856	8	46	financial	financial	ADJ
issue-856	8	47	technologies	technology	NOUN
issue-856	8	48	at	at	ADP
issue-856	8	49	different	different	ADJ
issue-856	8	50	stages	stage	NOUN
issue-856	8	51	of	of	ADP
issue-856	8	52	their	their	PRON
issue-856	8	53	development	development	NOUN
issue-856	8	54	.	.	PUNCT
issue-856	9	1	systematization	systematization	NOUN
issue-856	9	2	of	of	ADP
issue-856	9	3	literature	literature	NOUN
issue-856	9	4	sources	source	NOUN
issue-856	9	5	and	and	CCONJ
issue-856	9	6	approaches	approach	NOUN
issue-856	9	7	to	to	ADP
issue-856	9	8	solving	solve	VERB
issue-856	9	9	the	the	DET
issue-856	9	10	problem	problem	NOUN
issue-856	9	11	of	of	ADP
issue-856	9	12	intensifying	intensify	VERB
issue-856	9	13	activities	activity	NOUN
issue-856	9	14	in	in	ADP
issue-856	9	15	the	the	DET
issue-856	9	16	field	field	NOUN
issue-856	9	17	of	of	ADP
issue-856	9	18	innovative	innovative	ADJ
issue-856	9	19	finance	finance	NOUN
issue-856	9	20	has	have	AUX
issue-856	9	21	shown	show	VERB
issue-856	9	22	that	that	SCONJ
issue-856	9	23	fintech	fintech	NOUN
issue-856	9	24	is	be	AUX
issue-856	9	25	a	a	DET
issue-856	9	26	specific	specific	ADJ
issue-856	9	27	cross	cross	ADJ
issue-856	9	28	-	-	ADJ
issue-856	9	29	sectoral	sectoral	ADJ
issue-856	9	30	industry	industry	NOUN
issue-856	9	31	,	,	PUNCT
issue-856	9	32	which	which	PRON
issue-856	9	33	lies	lie	VERB
issue-856	9	34	on	on	ADP
issue-856	9	35	the	the	DET
issue-856	9	36	border	border	NOUN
issue-856	9	37	of	of	ADP
issue-856	9	38	financial	financial	ADJ
issue-856	9	39	and	and	CCONJ
issue-856	9	40	it	it	PRON
issue-856	9	41	spheres	sphere	VERB
issue-856	9	42	,	,	PUNCT
issue-856	9	43	consists	consist	VERB
issue-856	9	44	of	of	ADP
issue-856	9	45	companies	company	NOUN
issue-856	9	46	that	that	PRON
issue-856	9	47	use	use	VERB
issue-856	9	48	technology	technology	NOUN
issue-856	9	49	to	to	PART
issue-856	9	50	improve	improve	VERB
issue-856	9	51	the	the	DET
issue-856	9	52	efficiency	efficiency	NOUN
issue-856	9	53	of	of	ADP
issue-856	9	54	financial	financial	ADJ
issue-856	9	55	services	service	NOUN
issue-856	9	56	and	and	CCONJ
issue-856	9	57	encompasses	encompass	VERB
issue-856	9	58	digital	digital	ADJ
issue-856	9	59	innovations	innovation	NOUN
issue-856	9	60	and	and	CCONJ
issue-856	9	61	programs	program	NOUN
issue-856	9	62	that	that	PRON
issue-856	9	63	facilitate	facilitate	VERB
issue-856	9	64	the	the	DET
issue-856	9	65	creation	creation	NOUN
issue-856	9	66	and	and	CCONJ
issue-856	9	67	implementation	implementation	NOUN
issue-856	9	68	of	of	ADP
issue-856	9	69	financial	financial	ADJ
issue-856	9	70	products	product	NOUN
issue-856	9	71	.	.	PUNCT
issue-856	10	1	the	the	DET
issue-856	10	2	urgency	urgency	NOUN
issue-856	10	3	of	of	ADP
issue-856	10	4	solving	solve	VERB
issue-856	10	5	this	this	DET
issue-856	10	6	scientific	scientific	ADJ
issue-856	10	7	problem	problem	NOUN
issue-856	10	8	is	be	AUX
issue-856	10	9	that	that	SCONJ
issue-856	10	10	the	the	DET
issue-856	10	11	market	market	NOUN
issue-856	10	12	of	of	ADP
issue-856	10	13	financial	financial	ADJ
issue-856	10	14	technologies	technology	NOUN
issue-856	10	15	is	be	AUX
issue-856	10	16	one	one	NUM
issue-856	10	17	of	of	ADP
issue-856	10	18	the	the	DET
issue-856	10	19	fastest	fast	ADJ
issue-856	10	20	growing	growing	NOUN
issue-856	10	21	.	.	PUNCT
issue-856	11	1	that	that	PRON
issue-856	11	2	is	be	AUX
issue-856	11	3	why	why	SCONJ
issue-856	11	4	it	it	PRON
issue-856	11	5	highlights	highlight	VERB
issue-856	11	6	the	the	DET
issue-856	11	7	need	need	NOUN
issue-856	11	8	for	for	SCONJ
issue-856	11	9	traditional	traditional	ADJ
issue-856	11	10	financial	financial	ADJ
issue-856	11	11	institutions	institution	NOUN
issue-856	11	12	to	to	PART
issue-856	11	13	digitize	digitize	VERB
issue-856	11	14	their	their	PRON
issue-856	11	15	activities	activity	NOUN
issue-856	11	16	through	through	ADP
issue-856	11	17	a	a	DET
issue-856	11	18	radical	radical	ADJ
issue-856	11	19	change	change	NOUN
issue-856	11	20	in	in	ADP
issue-856	11	21	the	the	DET
issue-856	11	22	business	business	NOUN
issue-856	11	23	model	model	NOUN
issue-856	11	24	in	in	ADP
issue-856	11	25	order	order	NOUN
issue-856	11	26	to	to	PART
issue-856	11	27	strengthen	strengthen	VERB
issue-856	11	28	competitive	competitive	ADJ
issue-856	11	29	positions	position	NOUN
issue-856	11	30	and	and	CCONJ
issue-856	11	31	provide	provide	VERB
issue-856	11	32	strategic	strategic	ADJ
issue-856	11	33	advantages	advantage	NOUN
issue-856	11	34	.	.	PUNCT
issue-856	12	1	the	the	DET
issue-856	12	2	research	research	NOUN
issue-856	12	3	of	of	ADP
issue-856	12	4	the	the	DET
issue-856	12	5	implementation	implementation	NOUN
issue-856	12	6	of	of	ADP
issue-856	12	7	financial	financial	ADJ
issue-856	12	8	technologies	technology	NOUN
issue-856	12	9	in	in	ADP
issue-856	12	10	the	the	DET
issue-856	12	11	article	article	NOUN
issue-856	12	12	is	be	AUX
issue-856	12	13	carried	carry	VERB
issue-856	12	14	out	out	ADP
issue-856	12	15	in	in	ADP
issue-856	12	16	the	the	DET
issue-856	12	17	following	follow	VERB
issue-856	12	18	logical	logical	ADJ
issue-856	12	19	sequence	sequence	NOUN
issue-856	12	20	:	:	PUNCT
issue-856	12	21	systematization	systematization	NOUN
issue-856	12	22	of	of	ADP
issue-856	12	23	stages	stage	NOUN
issue-856	12	24	of	of	ADP
issue-856	12	25	development	development	NOUN
issue-856	12	26	of	of	ADP
issue-856	12	27	the	the	DET
issue-856	12	28	fintech	fintech	NOUN
issue-856	12	29	industry	industry	NOUN
issue-856	12	30	;	;	PUNCT
issue-856	12	31	assessment	assessment	NOUN
issue-856	12	32	of	of	ADP
issue-856	12	33	the	the	DET
issue-856	12	34	development	development	NOUN
issue-856	12	35	of	of	ADP
issue-856	12	36	the	the	DET
issue-856	12	37	fintech	fintech	NOUN
issue-856	12	38	sphere	sphere	NOUN
issue-856	12	39	in	in	ADP
issue-856	12	40	ukraine	ukraine	NOUN
issue-856	12	41	in	in	ADP
issue-856	12	42	the	the	DET
issue-856	12	43	context	context	NOUN
issue-856	12	44	of	of	ADP
issue-856	12	45	the	the	DET
issue-856	12	46	transition	transition	NOUN
issue-856	12	47	to	to	ADP
issue-856	12	48	the	the	DET
issue-856	12	49	stage	stage	NOUN
issue-856	12	50	of	of	ADP
issue-856	12	51	integration	integration	NOUN
issue-856	12	52	with	with	ADP
issue-856	12	53	the	the	DET
issue-856	12	54	banking	banking	NOUN
issue-856	12	55	system	system	NOUN
issue-856	12	56	;	;	PUNCT
issue-856	12	57	study	study	NOUN
issue-856	12	58	of	of	ADP
issue-856	12	59	the	the	DET
issue-856	12	60	strengths	strength	NOUN
issue-856	12	61	and	and	CCONJ
issue-856	12	62	weaknesses	weakness	NOUN
issue-856	12	63	of	of	ADP
issue-856	12	64	domestic	domestic	ADJ
issue-856	12	65	banks	bank	NOUN
issue-856	12	66	and	and	CCONJ
issue-856	12	67	fintech	fintech	NOUN
issue-856	12	68	companies	company	NOUN
issue-856	12	69	,	,	PUNCT
issue-856	12	70	outlining	outline	VERB
issue-856	12	71	obstacles	obstacle	NOUN
issue-856	12	72	and	and	CCONJ
issue-856	12	73	necessary	necessary	ADJ
issue-856	12	74	changes	change	NOUN
issue-856	12	75	for	for	ADP
issue-856	12	76	further	further	ADJ
issue-856	12	77	digitization	digitization	NOUN
issue-856	12	78	of	of	ADP
issue-856	12	79	the	the	DET
issue-856	12	80	financial	financial	ADJ
issue-856	12	81	and	and	CCONJ
issue-856	12	82	credit	credit	NOUN
issue-856	12	83	system	system	NOUN
issue-856	12	84	;	;	PUNCT
issue-856	12	85	research	research	NOUN
issue-856	12	86	of	of	ADP
issue-856	12	87	the	the	DET
issue-856	12	88	process	process	NOUN
issue-856	12	89	of	of	ADP
issue-856	12	90	implementation	implementation	NOUN
issue-856	12	91	of	of	ADP
issue-856	12	92	fintech	fintech	NOUN
issue-856	12	93	services	service	NOUN
issue-856	12	94	on	on	ADP
issue-856	12	95	the	the	DET
issue-856	12	96	example	example	NOUN
issue-856	12	97	of	of	ADP
issue-856	12	98	the	the	DET
issue-856	12	99	technology	technology	NOUN
issue-856	12	100	life	life	NOUN
issue-856	12	101	cycle	cycle	NOUN
issue-856	12	102	model	model	NOUN
issue-856	12	103	;	;	PUNCT
issue-856	12	104	assessment	assessment	NOUN
issue-856	12	105	of	of	ADP
issue-856	12	106	the	the	DET
issue-856	12	107	relationship	relationship	NOUN
issue-856	12	108	between	between	ADP
issue-856	12	109	the	the	DET
issue-856	12	110	level	level	NOUN
issue-856	12	111	of	of	ADP
issue-856	12	112	financial	financial	ADJ
issue-856	12	113	and	and	CCONJ
issue-856	12	114	digital	digital	ADJ
issue-856	12	115	literacy	literacy	NOUN
issue-856	12	116	of	of	ADP
issue-856	12	117	the	the	DET
issue-856	12	118	population	population	NOUN
issue-856	12	119	and	and	CCONJ
issue-856	12	120	the	the	DET
issue-856	12	121	depth	depth	NOUN
issue-856	12	122	of	of	ADP
issue-856	12	123	promotion	promotion	NOUN
issue-856	12	124	of	of	ADP
issue-856	12	125	innovative	innovative	ADJ
issue-856	12	126	fintech	fintech	NOUN
issue-856	12	127	products	product	NOUN
issue-856	12	128	;	;	PUNCT
issue-856	12	129	identifying	identify	VERB
issue-856	12	130	ways	way	NOUN
issue-856	12	131	to	to	PART
issue-856	12	132	increase	increase	VERB
issue-856	12	133	the	the	DET
issue-856	12	134	financial	financial	ADJ
issue-856	12	135	and	and	CCONJ
issue-856	12	136	digital	digital	ADJ
issue-856	12	137	inclusion	inclusion	NOUN
issue-856	12	138	of	of	ADP
issue-856	12	139	the	the	DET
issue-856	12	140	population	population	NOUN
issue-856	12	141	of	of	ADP
issue-856	12	142	ukraine	ukraine	PROPN
issue-856	12	143	.	.	PUNCT
issue-856	13	1	methods	method	NOUN
issue-856	13	2	of	of	ADP
issue-856	13	3	the	the	DET
issue-856	13	4	empirical	empirical	ADJ
issue-856	13	5	,	,	PUNCT
issue-856	13	6	experimental	experimental	ADJ
issue-856	13	7	and	and	CCONJ
issue-856	13	8	theoretical	theoretical	ADJ
issue-856	13	9	levels	level	NOUN
issue-856	13	10	became	become	VERB
issue-856	13	11	the	the	DET
issue-856	13	12	methodological	methodological	ADJ
issue-856	13	13	tools	tool	NOUN
issue-856	13	14	of	of	ADP
issue-856	13	15	the	the	DET
issue-856	13	16	conducted	conduct	VERB
issue-856	13	17	research	research	NOUN
issue-856	13	18	.	.	PUNCT
issue-856	14	1	the	the	DET
issue-856	14	2	results	result	NOUN
issue-856	14	3	were	be	AUX
issue-856	14	4	evaluated	evaluate	VERB
issue-856	14	5	and	and	CCONJ
issue-856	14	6	analyzed	analyze	VERB
issue-856	14	7	on	on	ADP
issue-856	14	8	the	the	DET
issue-856	14	9	basis	basis	NOUN
issue-856	14	10	of	of	ADP
issue-856	14	11	surveys	survey	NOUN
issue-856	14	12	conducted	conduct	VERB
issue-856	14	13	in	in	ADP
issue-856	14	14	2017	2017	NUM
issue-856	14	15	-	-	SYM
issue-856	14	16	2019	2019	NUM
issue-856	14	17	by	by	ADP
issue-856	14	18	the	the	DET
issue-856	14	19	ukrainian	ukrainian	PROPN
issue-856	14	20	association	association	PROPN
issue-856	14	21	of	of	ADP
issue-856	14	22	fintech	fintech	NOUN
issue-856	14	23	and	and	CCONJ
issue-856	14	24	innovative	innovative	ADJ
issue-856	14	25	companies	company	NOUN
issue-856	14	26	,	,	PUNCT
issue-856	14	27	the	the	DET
issue-856	14	28	ministry	ministry	PROPN
issue-856	14	29	of	of	ADP
issue-856	14	30	digital	digital	ADJ
issue-856	14	31	transformation	transformation	NOUN
issue-856	14	32	of	of	ADP
issue-856	14	33	ukraine	ukraine	NOUN
issue-856	14	34	,	,	PUNCT
issue-856	14	35	the	the	DET
issue-856	14	36	ukrainian	ukrainian	ADJ
issue-856	14	37	division	division	NOUN
issue-856	14	38	of	of	ADP
issue-856	14	39	the	the	DET
issue-856	14	40	british	british	ADJ
issue-856	14	41	audit	audit	NOUN
issue-856	14	42	and	and	CCONJ
issue-856	14	43	consulting	consult	VERB
issue-856	14	44	company	company	NOUN
issue-856	14	45	ernst	ernst	PROPN
issue-856	14	46	&	&	CCONJ
issue-856	14	47	young	young	PROPN
issue-856	14	48	,	,	PUNCT
issue-856	14	49	and	and	CCONJ
issue-856	14	50	the	the	DET
issue-856	14	51	us	us	PROPN
issue-856	14	52	agency	agency	NOUN
issue-856	14	53	for	for	ADP
issue-856	14	54	international	international	ADJ
issue-856	14	55	development	development	NOUN
issue-856	14	56	.	.	PUNCT
issue-856	15	1	the	the	DET
issue-856	15	2	article	article	NOUN
issue-856	15	3	presents	present	VERB
issue-856	15	4	the	the	DET
issue-856	15	5	results	result	NOUN
issue-856	15	6	of	of	ADP
issue-856	15	7	an	an	DET
issue-856	15	8	empirical	empirical	ADJ
issue-856	15	9	analysis	analysis	NOUN
issue-856	15	10	of	of	ADP
issue-856	15	11	the	the	DET
issue-856	15	12	relations	relation	NOUN
issue-856	15	13	and	and	CCONJ
issue-856	15	14	interdependence	interdependence	NOUN
issue-856	15	15	of	of	ADP
issue-856	15	16	classical	classical	ADJ
issue-856	15	17	and	and	CCONJ
issue-856	15	18	innovative	innovative	ADJ
issue-856	15	19	financial	financial	ADJ
issue-856	15	20	institutions	institution	NOUN
issue-856	15	21	,	,	PUNCT
issue-856	15	22	which	which	PRON
issue-856	15	23	showed	show	VERB
issue-856	15	24	the	the	DET
issue-856	15	25	inevitability	inevitability	NOUN
issue-856	15	26	of	of	ADP
issue-856	15	27	the	the	DET
issue-856	15	28	processes	process	NOUN
issue-856	15	29	of	of	ADP
issue-856	15	30	digitization	digitization	NOUN
issue-856	15	31	of	of	ADP
issue-856	15	32	financial	financial	ADJ
issue-856	15	33	services	service	NOUN
issue-856	15	34	.	.	PUNCT
issue-856	16	1	the	the	DET
issue-856	16	2	study	study	NOUN
issue-856	16	3	empirically	empirically	ADV
issue-856	16	4	confirms	confirm	VERB
issue-856	16	5	and	and	CCONJ
issue-856	16	6	theoretically	theoretically	ADV
issue-856	16	7	proves	prove	VERB
issue-856	16	8	that	that	SCONJ
issue-856	16	9	the	the	DET
issue-856	16	10	favorable	favorable	ADJ
issue-856	16	11	development	development	NOUN
issue-856	16	12	of	of	ADP
issue-856	16	13	the	the	DET
issue-856	16	14	fintech	fintech	NOUN
issue-856	16	15	industry	industry	NOUN
issue-856	16	16	is	be	AUX
issue-856	16	17	based	base	VERB
issue-856	16	18	on	on	ADP
issue-856	16	19	the	the	DET
issue-856	16	20	following	following	NOUN
issue-856	16	21	:	:	PUNCT
issue-856	16	22	the	the	DET
issue-856	16	23	level	level	NOUN
issue-856	16	24	of	of	ADP
issue-856	16	25	public	public	ADJ
issue-856	16	26	awareness	awareness	NOUN
issue-856	16	27	in	in	ADP
issue-856	16	28	the	the	DET
issue-856	16	29	field	field	NOUN
issue-856	16	30	of	of	ADP
issue-856	16	31	finance	finance	NOUN
issue-856	16	32	and	and	CCONJ
issue-856	16	33	information	information	NOUN
issue-856	16	34	technology	technology	NOUN
issue-856	16	35	;	;	PUNCT
issue-856	16	36	the	the	DET
issue-856	16	37	level	level	NOUN
issue-856	16	38	of	of	ADP
issue-856	16	39	innovative	innovative	ADJ
issue-856	16	40	development	development	NOUN
issue-856	16	41	of	of	ADP
issue-856	16	42	financial	financial	ADJ
issue-856	16	43	institutions	institution	NOUN
issue-856	16	44	and	and	CCONJ
issue-856	16	45	the	the	DET
issue-856	16	46	degree	degree	NOUN
issue-856	16	47	of	of	ADP
issue-856	16	48	penetration	penetration	NOUN
issue-856	16	49	of	of	ADP
issue-856	16	50	the	the	DET
issue-856	16	51	fintech	fintech	NOUN
issue-856	16	52	companies	company	NOUN
issue-856	16	53	in	in	ADP
issue-856	16	54	the	the	DET
issue-856	16	55	financial	financial	ADJ
issue-856	16	56	market	market	NOUN
issue-856	16	57	of	of	ADP
issue-856	16	58	the	the	DET
issue-856	16	59	country	country	NOUN
issue-856	16	60	;	;	PUNCT
issue-856	16	61	completeness	completeness	NOUN
issue-856	16	62	of	of	ADP
issue-856	16	63	the	the	DET
issue-856	16	64	legal	legal	ADJ
issue-856	16	65	framework	framework	NOUN
issue-856	16	66	.	.	PUNCT
issue-856	17	1	key	key	ADJ
issue-856	17	2	words	word	NOUN
issue-856	17	3	:	:	PUNCT
issue-856	17	4	market	market	NOUN
issue-856	17	5	of	of	ADP
issue-856	17	6	innovative	innovative	ADJ
issue-856	17	7	technologies	technology	NOUN
issue-856	17	8	,	,	PUNCT
issue-856	17	9	fintech	fintech	NOUN
issue-856	17	10	,	,	PUNCT
issue-856	17	11	fintech	fintech	NOUN
issue-856	17	12	services	service	NOUN
issue-856	17	13	,	,	PUNCT
issue-856	17	14	digitization	digitization	NOUN
issue-856	17	15	,	,	PUNCT
issue-856	17	16	technology	technology	NOUN
issue-856	17	17	adoption	adoption	NOUN
issue-856	17	18	lifecycle	lifecycle	NOUN
issue-856	17	19	,	,	PUNCT
issue-856	17	20	financial	financial	ADJ
issue-856	17	21	literacy	literacy	NOUN
issue-856	17	22	,	,	PUNCT
issue-856	17	23	digital	digital	ADJ
issue-856	17	24	literacy	literacy	NOUN
issue-856	17	25	,	,	PUNCT
issue-856	17	26	financial	financial	ADJ
issue-856	17	27	in	in	ADP
issue-856	17	28	-	-	PUNCT
issue-856	17	29	clusion	clusion	NOUN
issue-856	17	30	.	.	PUNCT
issue-856	18	1	jel	jel	PROPN
issue-856	18	2	classification	classification	PROPN
issue-856	18	3	:	:	PUNCT
issue-856	18	4	g21	g21	PROPN
issue-856	18	5	,	,	PUNCT
issue-856	18	6	g29	g29	PROPN
issue-856	18	7	,	,	PUNCT
issue-856	18	8	g53	g53	PROPN
issue-856	18	9	,	,	PUNCT
issue-856	18	10	o33	o33	PROPN
issue-856	18	11	baltic	baltic	PROPN
issue-856	18	12	journal	journal	PROPN
issue-856	18	13	of	of	ADP
issue-856	18	14	economic	economic	ADJ
issue-856	18	15	studies	study	NOUN
issue-856	18	16	47	47	NUM
issue-856	18	17	vol	vol	NOUN
issue-856	18	18	.	.	PROPN
issue-856	19	1	6	6	NUM
issue-856	19	2	,	,	PUNCT
issue-856	19	3	no	no	INTJ
issue-856	19	4	.	.	NOUN
issue-856	19	5	4	4	NUM
issue-856	19	6	,	,	PUNCT
issue-856	19	7	2020	2020	NUM
issue-856	19	8	1	1	NUM
issue-856	19	9	.	.	PUNCT
issue-856	20	1	introduction	introduction	NOUN
issue-856	20	2	digital	digital	ADJ
issue-856	20	3	technology	technology	NOUN
issue-856	20	4	is	be	AUX
issue-856	20	5	an	an	DET
issue-856	20	6	integral	integral	ADJ
issue-856	20	7	part	part	NOUN
issue-856	20	8	of	of	ADP
issue-856	20	9	modern	modern	ADJ
issue-856	20	10	life	life	NOUN
issue-856	20	11	and	and	CCONJ
issue-856	20	12	the	the	DET
issue-856	20	13	financial	financial	ADJ
issue-856	20	14	market	market	NOUN
issue-856	20	15	is	be	AUX
issue-856	20	16	no	no	DET
issue-856	20	17	exception	exception	NOUN
issue-856	20	18	.	.	PUNCT
issue-856	21	1	over	over	ADP
issue-856	21	2	the	the	DET
issue-856	21	3	past	past	ADJ
issue-856	21	4	twenty	twenty	NUM
issue-856	21	5	years	year	NOUN
issue-856	21	6	,	,	PUNCT
issue-856	21	7	the	the	DET
issue-856	21	8	world	world	NOUN
issue-856	21	9	has	have	AUX
issue-856	21	10	seen	see	VERB
issue-856	21	11	a	a	DET
issue-856	21	12	rapid	rapid	ADJ
issue-856	21	13	rise	rise	NOUN
issue-856	21	14	in	in	ADP
issue-856	21	15	the	the	DET
issue-856	21	16	development	development	NOUN
issue-856	21	17	of	of	ADP
issue-856	21	18	new	new	ADJ
issue-856	21	19	models	model	NOUN
issue-856	21	20	of	of	ADP
issue-856	21	21	financial	financial	ADJ
issue-856	21	22	services	service	NOUN
issue-856	21	23	,	,	PUNCT
issue-856	21	24	including	include	VERB
issue-856	21	25	in	in	ADP
issue-856	21	26	the	the	DET
issue-856	21	27	sectors	sector	NOUN
issue-856	21	28	of	of	ADP
issue-856	21	29	consumer	consumer	NOUN
issue-856	21	30	banking	banking	NOUN
issue-856	21	31	and	and	CCONJ
issue-856	21	32	payments	payment	NOUN
issue-856	21	33	,	,	PUNCT
issue-856	21	34	insurance	insurance	NOUN
issue-856	21	35	,	,	PUNCT
issue-856	21	36	asset	asset	NOUN
issue-856	21	37	management	management	NOUN
issue-856	21	38	and	and	CCONJ
issue-856	21	39	more	more	ADJ
issue-856	21	40	.	.	PUNCT
issue-856	22	1	the	the	DET
issue-856	22	2	need	need	NOUN
issue-856	22	3	for	for	ADP
issue-856	22	4	the	the	DET
issue-856	22	5	development	development	NOUN
issue-856	22	6	of	of	ADP
issue-856	22	7	non	non	ADJ
issue-856	22	8	-	-	ADJ
issue-856	22	9	physical	physical	ADJ
issue-856	22	10	service	service	NOUN
issue-856	22	11	channels	channel	NOUN
issue-856	22	12	,	,	PUNCT
issue-856	22	13	implementation	implementation	NOUN
issue-856	22	14	of	of	ADP
issue-856	22	15	operational	operational	ADJ
issue-856	22	16	solutions	solution	NOUN
issue-856	22	17	and	and	CCONJ
issue-856	22	18	development	development	NOUN
issue-856	22	19	of	of	ADP
issue-856	22	20	new	new	ADJ
issue-856	22	21	methods	method	NOUN
issue-856	22	22	of	of	ADP
issue-856	22	23	establishing	establish	VERB
issue-856	22	24	contacts	contact	NOUN
issue-856	22	25	with	with	ADP
issue-856	22	26	potential	potential	ADJ
issue-856	22	27	customers	customer	NOUN
issue-856	22	28	,	,	PUNCT
issue-856	22	29	attracting	attract	VERB
issue-856	22	30	new	new	ADJ
issue-856	22	31	and	and	CCONJ
issue-856	22	32	retaining	retain	VERB
issue-856	22	33	existing	exist	VERB
issue-856	22	34	clients	client	NOUN
issue-856	22	35	,	,	PUNCT
issue-856	22	36	is	be	AUX
issue-856	22	37	becoming	become	VERB
issue-856	22	38	urgent	urgent	ADJ
issue-856	22	39	.	.	PUNCT
issue-856	23	1	the	the	DET
issue-856	23	2	market	market	NOUN
issue-856	23	3	of	of	ADP
issue-856	23	4	financial	financial	ADJ
issue-856	23	5	technologies	technology	NOUN
issue-856	23	6	is	be	AUX
issue-856	23	7	one	one	NUM
issue-856	23	8	of	of	ADP
issue-856	23	9	the	the	DET
issue-856	23	10	fastest	fast	ADJ
issue-856	23	11	growing	growing	NOUN
issue-856	23	12	;	;	PUNCT
issue-856	23	13	it	it	PRON
issue-856	23	14	occupies	occupy	VERB
issue-856	23	15	a	a	DET
issue-856	23	16	leading	lead	VERB
issue-856	23	17	position	position	NOUN
issue-856	23	18	in	in	ADP
issue-856	23	19	the	the	DET
issue-856	23	20	dynamics	dynamic	NOUN
issue-856	23	21	of	of	ADP
issue-856	23	22	its	its	PRON
issue-856	23	23	development	development	NOUN
issue-856	23	24	both	both	PRON
issue-856	23	25	in	in	ADP
issue-856	23	26	financial	financial	ADJ
issue-856	23	27	terms	term	NOUN
issue-856	23	28	and	and	CCONJ
issue-856	23	29	in	in	ADP
issue-856	23	30	terms	term	NOUN
issue-856	23	31	of	of	ADP
issue-856	23	32	end	end	NOUN
issue-856	23	33	-	-	PUNCT
issue-856	23	34	user	user	NOUN
issue-856	23	35	coverage	coverage	NOUN
issue-856	23	36	.	.	PUNCT
issue-856	24	1	the	the	DET
issue-856	24	2	revolution	revolution	NOUN
issue-856	24	3	in	in	ADP
issue-856	24	4	the	the	DET
issue-856	24	5	field	field	NOUN
issue-856	24	6	of	of	ADP
issue-856	24	7	finance	finance	NOUN
issue-856	24	8	is	be	AUX
issue-856	24	9	caused	cause	VERB
issue-856	24	10	by	by	ADP
issue-856	24	11	new	new	ADJ
issue-856	24	12	waves	wave	NOUN
issue-856	24	13	of	of	ADP
issue-856	24	14	high	high	ADJ
issue-856	24	15	-	-	PUNCT
issue-856	24	16	tech	tech	NOUN
issue-856	24	17	startups	startup	NOUN
issue-856	24	18	that	that	PRON
issue-856	24	19	work	work	VERB
issue-856	24	20	better	well	ADV
issue-856	24	21	,	,	PUNCT
issue-856	24	22	faster	fast	ADJ
issue-856	24	23	and	and	CCONJ
issue-856	24	24	cheaper	cheap	ADJ
issue-856	24	25	in	in	ADP
issue-856	24	26	the	the	DET
issue-856	24	27	areas	area	NOUN
issue-856	24	28	of	of	ADP
issue-856	24	29	lend	lend	VERB
issue-856	24	30	-	-	PUNCT
issue-856	24	31	ing	ing	NOUN
issue-856	24	32	,	,	PUNCT
issue-856	24	33	payments	payment	NOUN
issue-856	24	34	,	,	PUNCT
issue-856	24	35	capital	capital	NOUN
issue-856	24	36	management	management	NOUN
issue-856	24	37	compared	compare	VERB
issue-856	24	38	to	to	ADP
issue-856	24	39	traditional	traditional	ADJ
issue-856	24	40	banks	bank	NOUN
issue-856	24	41	.	.	PUNCT
issue-856	25	1	the	the	DET
issue-856	25	2	development	development	NOUN
issue-856	25	3	of	of	ADP
issue-856	25	4	the	the	DET
issue-856	25	5	fintech	fintech	NOUN
issue-856	25	6	sector	sector	NOUN
issue-856	25	7	promotes	promote	VERB
issue-856	25	8	the	the	DET
issue-856	25	9	emergence	emergence	NOUN
issue-856	25	10	of	of	ADP
issue-856	25	11	new	new	ADJ
issue-856	25	12	financial	financial	ADJ
issue-856	25	13	products	product	NOUN
issue-856	25	14	that	that	PRON
issue-856	25	15	provide	provide	VERB
issue-856	25	16	more	more	ADJ
issue-856	25	17	opportunities	opportunity	NOUN
issue-856	25	18	and	and	CCONJ
issue-856	25	19	convenience	convenience	NOUN
issue-856	25	20	for	for	ADP
issue-856	25	21	users	user	NOUN
issue-856	25	22	and	and	CCONJ
issue-856	25	23	require	require	VERB
issue-856	25	24	the	the	DET
issue-856	25	25	introduction	introduction	NOUN
issue-856	25	26	of	of	ADP
issue-856	25	27	new	new	ADJ
issue-856	25	28	models	model	NOUN
issue-856	25	29	of	of	ADP
issue-856	25	30	functioning	functioning	NOUN
issue-856	25	31	and	and	CCONJ
issue-856	25	32	interaction	interaction	NOUN
issue-856	25	33	of	of	ADP
issue-856	25	34	all	all	DET
issue-856	25	35	participants	participant	NOUN
issue-856	25	36	in	in	ADP
issue-856	25	37	financial	financial	ADJ
issue-856	25	38	relations	relation	NOUN
issue-856	25	39	.	.	PUNCT
issue-856	26	1	the	the	DET
issue-856	26	2	aim	aim	NOUN
issue-856	26	3	of	of	ADP
issue-856	26	4	the	the	DET
issue-856	26	5	article	article	NOUN
issue-856	26	6	is	be	AUX
issue-856	26	7	to	to	PART
issue-856	26	8	determine	determine	VERB
issue-856	26	9	the	the	DET
issue-856	26	10	role	role	NOUN
issue-856	26	11	of	of	ADP
issue-856	26	12	fintech	fintech	NOUN
issue-856	26	13	services	service	NOUN
issue-856	26	14	in	in	ADP
issue-856	26	15	the	the	DET
issue-856	26	16	state	state	NOUN
issue-856	26	17	economy	economy	NOUN
issue-856	26	18	,	,	PUNCT
issue-856	26	19	the	the	DET
issue-856	26	20	prospects	prospect	NOUN
issue-856	26	21	for	for	ADP
issue-856	26	22	their	their	PRON
issue-856	26	23	development	development	NOUN
issue-856	26	24	,	,	PUNCT
issue-856	26	25	as	as	ADV
issue-856	26	26	well	well	ADV
issue-856	26	27	as	as	ADP
issue-856	26	28	to	to	PART
issue-856	26	29	substantiate	substantiate	VERB
issue-856	26	30	the	the	DET
issue-856	26	31	trends	trend	NOUN
issue-856	26	32	of	of	ADP
issue-856	26	33	adaptation	adaptation	NOUN
issue-856	26	34	of	of	ADP
issue-856	26	35	classical	classical	ADJ
issue-856	26	36	credit	credit	NOUN
issue-856	26	37	institutions	institution	NOUN
issue-856	26	38	and	and	CCONJ
issue-856	26	39	consumers	consumer	NOUN
issue-856	26	40	of	of	ADP
issue-856	26	41	financial	financial	ADJ
issue-856	26	42	services	service	NOUN
issue-856	26	43	to	to	ADP
issue-856	26	44	new	new	ADJ
issue-856	26	45	financial	financial	ADJ
issue-856	26	46	technologies	technology	NOUN
issue-856	26	47	at	at	ADP
issue-856	26	48	different	different	ADJ
issue-856	26	49	stages	stage	NOUN
issue-856	26	50	of	of	ADP
issue-856	26	51	their	their	PRON
issue-856	26	52	development	development	NOUN
issue-856	26	53	.	.	PUNCT
issue-856	27	1	nowadays	nowadays	ADV
issue-856	27	2	,	,	PUNCT
issue-856	27	3	the	the	DET
issue-856	27	4	collaboration	collaboration	NOUN
issue-856	27	5	of	of	ADP
issue-856	27	6	banks	bank	NOUN
issue-856	27	7	and	and	CCONJ
issue-856	27	8	it	it	PRON
issue-856	27	9	-	-	PUNCT
issue-856	27	10	sphere	sphere	NOUN
issue-856	27	11	is	be	AUX
issue-856	27	12	a	a	DET
issue-856	27	13	key	key	ADJ
issue-856	27	14	condition	condition	NOUN
issue-856	27	15	for	for	ADP
issue-856	27	16	further	further	ADJ
issue-856	27	17	effective	effective	ADJ
issue-856	27	18	development	development	NOUN
issue-856	27	19	of	of	ADP
issue-856	27	20	the	the	DET
issue-856	27	21	credit	credit	NOUN
issue-856	27	22	system	system	NOUN
issue-856	27	23	.	.	PUNCT
issue-856	28	1	digital	digital	ADJ
issue-856	28	2	technologies	technology	NOUN
issue-856	28	3	give	give	VERB
issue-856	28	4	the	the	DET
issue-856	28	5	modern	modern	ADJ
issue-856	28	6	economy	economy	NOUN
issue-856	28	7	new	new	ADJ
issue-856	28	8	essential	essential	ADJ
issue-856	28	9	features	feature	NOUN
issue-856	28	10	,	,	PUNCT
issue-856	28	11	such	such	ADJ
issue-856	28	12	as	as	ADP
issue-856	28	13	open	open	ADJ
issue-856	28	14	communications	communication	NOUN
issue-856	28	15	,	,	PUNCT
issue-856	28	16	cooperation	cooperation	NOUN
issue-856	28	17	and	and	CCONJ
issue-856	28	18	constant	constant	ADJ
issue-856	28	19	updating	updating	NOUN
issue-856	28	20	.	.	PUNCT
issue-856	29	1	this	this	DET
issue-856	29	2	highlights	highlight	VERB
issue-856	29	3	the	the	DET
issue-856	29	4	need	need	NOUN
issue-856	29	5	for	for	SCONJ
issue-856	29	6	traditional	traditional	ADJ
issue-856	29	7	financial	financial	ADJ
issue-856	29	8	institutions	institution	NOUN
issue-856	29	9	to	to	PART
issue-856	29	10	digitize	digitize	VERB
issue-856	29	11	their	their	PRON
issue-856	29	12	activities	activity	NOUN
issue-856	29	13	through	through	ADP
issue-856	29	14	a	a	DET
issue-856	29	15	radical	radical	ADJ
issue-856	29	16	change	change	NOUN
issue-856	29	17	in	in	ADP
issue-856	29	18	the	the	DET
issue-856	29	19	business	business	NOUN
issue-856	29	20	model	model	NOUN
issue-856	29	21	in	in	ADP
issue-856	29	22	order	order	NOUN
issue-856	29	23	to	to	PART
issue-856	29	24	strengthen	strengthen	VERB
issue-856	29	25	competitive	competitive	ADJ
issue-856	29	26	positions	position	NOUN
issue-856	29	27	and	and	CCONJ
issue-856	29	28	provide	provide	VERB
issue-856	29	29	strategic	strategic	ADJ
issue-856	29	30	advantages	advantage	NOUN
issue-856	29	31	.	.	PUNCT
issue-856	30	1	the	the	DET
issue-856	30	2	research	research	NOUN
issue-856	30	3	was	be	AUX
issue-856	30	4	conducted	conduct	VERB
issue-856	30	5	at	at	ADP
issue-856	30	6	the	the	DET
issue-856	30	7	empirical	empirical	ADJ
issue-856	30	8	and	and	CCONJ
issue-856	30	9	theoretical	theoretical	ADJ
issue-856	30	10	levels	level	NOUN
issue-856	30	11	.	.	PUNCT
issue-856	31	1	in	in	ADP
issue-856	31	2	particu	particu	NOUN
issue-856	31	3	-	-	PUNCT
issue-856	31	4	lar	lar	PROPN
issue-856	31	5	,	,	PUNCT
issue-856	31	6	at	at	ADP
issue-856	31	7	the	the	DET
issue-856	31	8	empirical	empirical	ADJ
issue-856	31	9	level	level	NOUN
issue-856	31	10	,	,	PUNCT
issue-856	31	11	the	the	DET
issue-856	31	12	main	main	ADJ
issue-856	31	13	function	function	NOUN
issue-856	31	14	was	be	AUX
issue-856	31	15	the	the	DET
issue-856	31	16	descriptive	descriptive	ADJ
issue-856	31	17	characterization	characterization	NOUN
issue-856	31	18	of	of	ADP
issue-856	31	19	phenomena	phenomenon	NOUN
issue-856	31	20	,	,	PUNCT
issue-856	31	21	and	and	CCONJ
issue-856	31	22	its	its	PRON
issue-856	31	23	result	result	NOUN
issue-856	31	24	was	be	AUX
issue-856	31	25	a	a	DET
issue-856	31	26	set	set	NOUN
issue-856	31	27	of	of	ADP
issue-856	31	28	scientific	scientific	ADJ
issue-856	31	29	facts	fact	NOUN
issue-856	31	30	and	and	CCONJ
issue-856	31	31	empirical	empirical	ADJ
issue-856	31	32	generalizations	generalization	NOUN
issue-856	31	33	.	.	PUNCT
issue-856	32	1	in	in	ADP
issue-856	32	2	turn	turn	NOUN
issue-856	32	3	,	,	PUNCT
issue-856	32	4	at	at	ADP
issue-856	32	5	the	the	DET
issue-856	32	6	theoretical	theoretical	ADJ
issue-856	32	7	level	level	NOUN
issue-856	32	8	,	,	PUNCT
issue-856	32	9	the	the	DET
issue-856	32	10	task	task	NOUN
issue-856	32	11	of	of	ADP
issue-856	32	12	revealing	reveal	VERB
issue-856	32	13	the	the	DET
issue-856	32	14	essential	essential	ADJ
issue-856	32	15	causes	cause	NOUN
issue-856	32	16	and	and	CCONJ
issue-856	32	17	connec	connec	NOUN
issue-856	32	18	-	-	PUNCT
issue-856	32	19	tions	tion	NOUN
issue-856	32	20	between	between	ADP
issue-856	32	21	phenomena	phenomenon	NOUN
issue-856	32	22	and	and	CCONJ
issue-856	32	23	their	their	PRON
issue-856	32	24	rational	rational	ADJ
issue-856	32	25	cognition	cognition	NOUN
issue-856	32	26	prevailed	prevail	VERB
issue-856	32	27	.	.	PUNCT
issue-856	33	1	in	in	ADP
issue-856	33	2	order	order	NOUN
issue-856	33	3	to	to	PART
issue-856	33	4	conduct	conduct	VERB
issue-856	33	5	the	the	DET
issue-856	33	6	main	main	ADJ
issue-856	33	7	part	part	NOUN
issue-856	33	8	of	of	ADP
issue-856	33	9	the	the	DET
issue-856	33	10	research	research	NOUN
issue-856	33	11	,	,	PUNCT
issue-856	33	12	we	we	PRON
issue-856	33	13	have	have	AUX
issue-856	33	14	put	put	VERB
issue-856	33	15	forward	forward	ADV
issue-856	33	16	the	the	DET
issue-856	33	17	fol	fol	NOUN
issue-856	33	18	-	-	PUNCT
issue-856	33	19	lowing	low	VERB
issue-856	33	20	initial	initial	ADJ
issue-856	33	21	hypotheses	hypothesis	NOUN
issue-856	33	22	:	:	PUNCT
issue-856	33	23	h1	h1	X
issue-856	33	24	.	.	PUNCT
issue-856	34	1	the	the	DET
issue-856	34	2	speed	speed	NOUN
issue-856	34	3	of	of	ADP
issue-856	34	4	distribution	distribution	NOUN
issue-856	34	5	and	and	CCONJ
issue-856	34	6	implementation	implementation	NOUN
issue-856	34	7	of	of	ADP
issue-856	34	8	fintech	fintech	NOUN
issue-856	34	9	services	service	NOUN
issue-856	34	10	depends	depend	VERB
issue-856	34	11	on	on	ADP
issue-856	34	12	the	the	DET
issue-856	34	13	level	level	NOUN
issue-856	34	14	of	of	ADP
issue-856	34	15	financial	financial	ADJ
issue-856	34	16	and	and	CCONJ
issue-856	34	17	technical	technical	ADJ
issue-856	34	18	literacy	literacy	NOUN
issue-856	34	19	of	of	ADP
issue-856	34	20	consumers	consumer	NOUN
issue-856	34	21	and	and	CCONJ
issue-856	34	22	their	their	PRON
issue-856	34	23	perception	perception	NOUN
issue-856	34	24	of	of	ADP
issue-856	34	25	innovation	innovation	NOUN
issue-856	34	26	.	.	PUNCT
issue-856	35	1	h2	h2	PROPN
issue-856	35	2	.	.	PUNCT
issue-856	36	1	the	the	DET
issue-856	36	2	speed	speed	NOUN
issue-856	36	3	of	of	ADP
issue-856	36	4	distribution	distribution	NOUN
issue-856	36	5	and	and	CCONJ
issue-856	36	6	implementation	implementation	NOUN
issue-856	36	7	of	of	ADP
issue-856	36	8	fintech	fintech	NOUN
issue-856	36	9	services	service	NOUN
issue-856	36	10	depends	depend	VERB
issue-856	36	11	on	on	ADP
issue-856	36	12	the	the	DET
issue-856	36	13	level	level	NOUN
issue-856	36	14	of	of	ADP
issue-856	36	15	development	development	NOUN
issue-856	36	16	of	of	ADP
issue-856	36	17	the	the	DET
issue-856	36	18	state	state	NOUN
issue-856	36	19	’s	’s	PART
issue-856	36	20	financial	financial	ADJ
issue-856	36	21	system	system	NOUN
issue-856	36	22	and	and	CCONJ
issue-856	36	23	hr	hr	NOUN
issue-856	36	24	potential	potential	NOUN
issue-856	36	25	.	.	PUNCT
issue-856	37	1	in	in	ADP
issue-856	37	2	our	our	PRON
issue-856	37	3	opinion	opinion	NOUN
issue-856	37	4	,	,	PUNCT
issue-856	37	5	an	an	DET
issue-856	37	6	important	important	ADJ
issue-856	37	7	feature	feature	NOUN
issue-856	37	8	of	of	ADP
issue-856	37	9	different	different	ADJ
issue-856	37	10	scientific	scientific	ADJ
issue-856	37	11	researches	research	NOUN
issue-856	37	12	is	be	AUX
issue-856	37	13	their	their	PRON
issue-856	37	14	versatility	versatility	NOUN
issue-856	37	15	,	,	PUNCT
issue-856	37	16	i.e.	i.e.	X
issue-856	37	17	the	the	DET
issue-856	37	18	ability	ability	NOUN
issue-856	37	19	to	to	PART
issue-856	37	20	solve	solve	VERB
issue-856	37	21	problems	problem	NOUN
issue-856	37	22	by	by	ADP
issue-856	37	23	different	different	ADJ
issue-856	37	24	methods	method	NOUN
issue-856	37	25	and	and	CCONJ
issue-856	37	26	ways	way	NOUN
issue-856	37	27	.	.	PUNCT
issue-856	38	1	therefore	therefore	ADV
issue-856	38	2	,	,	PUNCT
issue-856	38	3	the	the	DET
issue-856	38	4	development	development	NOUN
issue-856	38	5	of	of	ADP
issue-856	38	6	hypotheses	hypothesis	NOUN
issue-856	38	7	,	,	PUNCT
issue-856	38	8	their	their	PRON
issue-856	38	9	refutation	refutation	NOUN
issue-856	38	10	or	or	CCONJ
issue-856	38	11	proof	proof	NOUN
issue-856	38	12	is	be	AUX
issue-856	38	13	based	base	VERB
issue-856	38	14	on	on	ADP
issue-856	38	15	a	a	DET
issue-856	38	16	system	system	NOUN
issue-856	38	17	of	of	ADP
issue-856	38	18	methods	method	NOUN
issue-856	38	19	and	and	CCONJ
issue-856	38	20	approaches	approach	NOUN
issue-856	38	21	to	to	ADP
issue-856	38	22	the	the	DET
issue-856	38	23	study	study	NOUN
issue-856	38	24	of	of	ADP
issue-856	38	25	phenomena	phenomenon	NOUN
issue-856	38	26	and	and	CCONJ
issue-856	38	27	patterns	pattern	NOUN
issue-856	38	28	of	of	ADP
issue-856	38	29	nature	nature	NOUN
issue-856	38	30	,	,	PUNCT
issue-856	38	31	society	society	NOUN
issue-856	38	32	and	and	CCONJ
issue-856	38	33	thinking	thinking	NOUN
issue-856	38	34	.	.	PUNCT
issue-856	39	1	in	in	ADP
issue-856	39	2	order	order	NOUN
issue-856	39	3	to	to	PART
issue-856	39	4	study	study	VERB
issue-856	39	5	the	the	DET
issue-856	39	6	development	development	NOUN
issue-856	39	7	of	of	ADP
issue-856	39	8	financial	financial	ADJ
issue-856	39	9	technologies	technology	NOUN
issue-856	39	10	,	,	PUNCT
issue-856	39	11	we	we	PRON
issue-856	39	12	used	use	VERB
issue-856	39	13	the	the	DET
issue-856	39	14	historical	historical	ADJ
issue-856	39	15	method	method	NOUN
issue-856	39	16	of	of	ADP
issue-856	39	17	cognition	cognition	NOUN
issue-856	39	18	.	.	PUNCT
issue-856	40	1	this	this	DET
issue-856	40	2	method	method	NOUN
issue-856	40	3	made	make	VERB
issue-856	40	4	it	it	PRON
issue-856	40	5	possible	possible	ADJ
issue-856	40	6	to	to	PART
issue-856	40	7	study	study	VERB
issue-856	40	8	the	the	DET
issue-856	40	9	formation	formation	NOUN
issue-856	40	10	of	of	ADP
issue-856	40	11	the	the	DET
issue-856	40	12	fintech	fintech	NOUN
issue-856	40	13	industry	industry	NOUN
issue-856	40	14	in	in	ADP
issue-856	40	15	chronological	chronological	ADJ
issue-856	40	16	order	order	NOUN
issue-856	40	17	.	.	PUNCT
issue-856	41	1	in	in	ADP
issue-856	41	2	addition	addition	NOUN
issue-856	41	3	,	,	PUNCT
issue-856	41	4	the	the	DET
issue-856	41	5	systematization	systematization	NOUN
issue-856	41	6	of	of	ADP
issue-856	41	7	the	the	DET
issue-856	41	8	stages	stage	NOUN
issue-856	41	9	of	of	ADP
issue-856	41	10	fintech	fintech	NOUN
issue-856	41	11	development	development	NOUN
issue-856	41	12	is	be	AUX
issue-856	41	13	based	base	VERB
issue-856	41	14	on	on	ADP
issue-856	41	15	the	the	DET
issue-856	41	16	analysis	analysis	NOUN
issue-856	41	17	and	and	CCONJ
issue-856	41	18	synthesis	synthesis	NOUN
issue-856	41	19	of	of	ADP
issue-856	41	20	the	the	DET
issue-856	41	21	essential	essential	ADJ
issue-856	41	22	features	feature	NOUN
issue-856	41	23	of	of	ADP
issue-856	41	24	this	this	DET
issue-856	41	25	system	system	NOUN
issue-856	41	26	.	.	PUNCT
issue-856	42	1	since	since	SCONJ
issue-856	42	2	the	the	DET
issue-856	42	3	methods	method	NOUN
issue-856	42	4	of	of	ADP
issue-856	42	5	analysis	analysis	NOUN
issue-856	42	6	and	and	CCONJ
issue-856	42	7	synthesis	synthesis	NOUN
issue-856	42	8	are	be	AUX
issue-856	42	9	interconnected	interconnect	VERB
issue-856	42	10	and	and	CCONJ
issue-856	42	11	embody	embody	VERB
issue-856	42	12	the	the	DET
issue-856	42	13	unity	unity	NOUN
issue-856	42	14	of	of	ADP
issue-856	42	15	opposites	opposite	NOUN
issue-856	42	16	,	,	PUNCT
issue-856	42	17	we	we	PRON
issue-856	42	18	used	use	VERB
issue-856	42	19	such	such	ADJ
issue-856	42	20	types	type	NOUN
issue-856	42	21	as	as	ADP
issue-856	42	22	:	:	PUNCT
issue-856	42	23	direct	direct	ADJ
issue-856	42	24	method	method	NOUN
issue-856	42	25	–	–	PUNCT
issue-856	42	26	in	in	ADP
issue-856	42	27	order	order	NOUN
issue-856	42	28	to	to	PART
issue-856	42	29	identify	identify	VERB
issue-856	42	30	individual	individual	ADJ
issue-856	42	31	stages	stage	NOUN
issue-856	42	32	of	of	ADP
issue-856	42	33	development	development	NOUN
issue-856	42	34	of	of	ADP
issue-856	42	35	financial	financial	ADJ
issue-856	42	36	technologies	technology	NOUN
issue-856	42	37	;	;	PUNCT
issue-856	42	38	elemental	elemental	ADJ
issue-856	42	39	and	and	CCONJ
issue-856	42	40	theoretical	theoretical	ADJ
issue-856	42	41	method	method	NOUN
issue-856	42	42	–	–	PUNCT
issue-856	42	43	for	for	ADP
issue-856	42	44	selection	selection	NOUN
issue-856	42	45	of	of	ADP
issue-856	42	46	causal	causal	ADJ
issue-856	42	47	relations	relation	NOUN
issue-856	42	48	between	between	ADP
issue-856	42	49	stages	stage	NOUN
issue-856	42	50	;	;	PUNCT
issue-856	42	51	structural	structural	ADJ
issue-856	42	52	and	and	CCONJ
issue-856	42	53	genetic	genetic	ADJ
issue-856	42	54	method	method	NOUN
issue-856	42	55	–	–	PUNCT
issue-856	42	56	in	in	ADP
issue-856	42	57	order	order	NOUN
issue-856	42	58	to	to	PART
issue-856	42	59	identify	identify	VERB
issue-856	42	60	the	the	DET
issue-856	42	61	main	main	ADJ
issue-856	42	62	factors	factor	NOUN
issue-856	42	63	that	that	PRON
issue-856	42	64	have	have	AUX
issue-856	42	65	created	create	VERB
issue-856	42	66	a	a	DET
issue-856	42	67	decisive	decisive	ADJ
issue-856	42	68	influence	influence	NOUN
issue-856	42	69	on	on	ADP
issue-856	42	70	the	the	DET
issue-856	42	71	formation	formation	NOUN
issue-856	42	72	of	of	ADP
issue-856	42	73	the	the	DET
issue-856	42	74	modern	modern	ADJ
issue-856	42	75	sphere	sphere	NOUN
issue-856	42	76	of	of	ADP
issue-856	42	77	fi	fi	ADJ
issue-856	42	78	-	-	ADJ
issue-856	42	79	nancial	nancial	ADJ
issue-856	42	80	technologies	technology	NOUN
issue-856	42	81	.	.	PUNCT
issue-856	43	1	the	the	DET
issue-856	43	2	article	article	NOUN
issue-856	43	3	assesses	assess	VERB
issue-856	43	4	the	the	DET
issue-856	43	5	development	development	NOUN
issue-856	43	6	of	of	ADP
issue-856	43	7	the	the	DET
issue-856	43	8	fintech	fintech	NOUN
issue-856	43	9	sector	sector	NOUN
issue-856	43	10	in	in	ADP
issue-856	43	11	ukraine	ukraine	NOUN
issue-856	43	12	,	,	PUNCT
issue-856	43	13	focusing	focus	VERB
issue-856	43	14	on	on	ADP
issue-856	43	15	cooperation	cooperation	NOUN
issue-856	43	16	and	and	CCONJ
issue-856	43	17	future	future	ADJ
issue-856	43	18	integration	integration	NOUN
issue-856	43	19	with	with	ADP
issue-856	43	20	the	the	DET
issue-856	43	21	banking	banking	NOUN
issue-856	43	22	system	system	NOUN
issue-856	43	23	.	.	PUNCT
issue-856	44	1	the	the	DET
issue-856	44	2	dialectical	dialectical	ADJ
issue-856	44	3	and	and	CCONJ
issue-856	44	4	materialist	materialist	ADJ
issue-856	44	5	method	method	NOUN
issue-856	44	6	of	of	ADP
issue-856	44	7	cognition	cognition	NOUN
issue-856	44	8	was	be	AUX
issue-856	44	9	used	use	VERB
issue-856	44	10	in	in	ADP
issue-856	44	11	this	this	DET
issue-856	44	12	study	study	NOUN
issue-856	44	13	.	.	PUNCT
issue-856	45	1	in	in	ADP
issue-856	45	2	particular	particular	ADJ
issue-856	45	3	,	,	PUNCT
issue-856	45	4	it	it	PRON
issue-856	45	5	showed	show	VERB
issue-856	45	6	the	the	DET
issue-856	45	7	connection	connection	NOUN
issue-856	45	8	,	,	PUNCT
issue-856	45	9	and	and	CCONJ
issue-856	45	10	interdependence	interdependence	NOUN
issue-856	45	11	of	of	ADP
issue-856	45	12	classical	classical	ADJ
issue-856	45	13	and	and	CCONJ
issue-856	45	14	innovative	innovative	ADJ
issue-856	45	15	financial	financial	ADJ
issue-856	45	16	institutions	institution	NOUN
issue-856	45	17	.	.	PUNCT
issue-856	46	1	in	in	ADP
issue-856	46	2	the	the	DET
issue-856	46	3	same	same	ADJ
issue-856	46	4	context	context	NOUN
issue-856	46	5	,	,	PUNCT
issue-856	46	6	the	the	DET
issue-856	46	7	method	method	NOUN
issue-856	46	8	of	of	ADP
issue-856	46	9	comparison	comparison	NOUN
issue-856	46	10	was	be	AUX
issue-856	46	11	used	use	VERB
issue-856	46	12	to	to	PART
issue-856	46	13	identify	identify	VERB
issue-856	46	14	differences	difference	NOUN
issue-856	46	15	and	and	CCONJ
issue-856	46	16	characteristics	characteristic	NOUN
issue-856	46	17	of	of	ADP
issue-856	46	18	the	the	DET
issue-856	46	19	ukrainian	ukrainian	ADJ
issue-856	46	20	fintech	fintech	NOUN
issue-856	46	21	companies	company	NOUN
issue-856	46	22	and	and	CCONJ
issue-856	46	23	banks	bank	NOUN
issue-856	46	24	.	.	PUNCT
issue-856	47	1	the	the	DET
issue-856	47	2	above	above	ADJ
issue-856	47	3	techniques	technique	NOUN
issue-856	47	4	belong	belong	VERB
issue-856	47	5	to	to	ADP
issue-856	47	6	the	the	DET
issue-856	47	7	methods	method	NOUN
issue-856	47	8	of	of	ADP
issue-856	47	9	the	the	DET
issue-856	47	10	empirical	empirical	ADJ
issue-856	47	11	level	level	NOUN
issue-856	47	12	,	,	PUNCT
issue-856	47	13	which	which	PRON
issue-856	47	14	are	be	AUX
issue-856	47	15	used	use	VERB
issue-856	47	16	at	at	ADP
issue-856	47	17	the	the	DET
issue-856	47	18	stage	stage	NOUN
issue-856	47	19	of	of	ADP
issue-856	47	20	formation	formation	NOUN
issue-856	47	21	of	of	ADP
issue-856	47	22	a	a	DET
issue-856	47	23	scientific	scientific	ADJ
issue-856	47	24	hypothesis	hypothesis	NOUN
issue-856	47	25	.	.	PUNCT
issue-856	48	1	another	another	DET
issue-856	48	2	group	group	NOUN
issue-856	48	3	of	of	ADP
issue-856	48	4	methods	method	NOUN
issue-856	48	5	are	be	AUX
issue-856	48	6	techniques	technique	NOUN
issue-856	48	7	of	of	ADP
issue-856	48	8	experimental	experimental	ADJ
issue-856	48	9	and	and	CCONJ
issue-856	48	10	theoretical	theoretical	ADJ
issue-856	48	11	level	level	NOUN
issue-856	48	12	.	.	PUNCT
issue-856	49	1	they	they	PRON
issue-856	49	2	help	help	VERB
issue-856	49	3	to	to	PART
issue-856	49	4	identify	identify	VERB
issue-856	49	5	certain	certain	ADJ
issue-856	49	6	reliable	reliable	ADJ
issue-856	49	7	facts	fact	NOUN
issue-856	49	8	,	,	PUNCT
issue-856	49	9	carry	carry	VERB
issue-856	49	10	out	out	ADP
issue-856	49	11	their	their	PRON
issue-856	49	12	accumulation	accumulation	NOUN
issue-856	49	13	and	and	CCONJ
issue-856	49	14	cross	cross	NOUN
issue-856	49	15	-	-	NOUN
issue-856	49	16	check	check	NOUN
issue-856	49	17	.	.	PUNCT
issue-856	50	1	this	this	DET
issue-856	50	2	group	group	NOUN
issue-856	50	3	includes	include	VERB
issue-856	50	4	methods	method	NOUN
issue-856	50	5	of	of	ADP
issue-856	50	6	induction	induction	NOUN
issue-856	50	7	and	and	CCONJ
issue-856	50	8	deduction	deduction	NOUN
issue-856	50	9	.	.	PUNCT
issue-856	51	1	thus	thus	ADV
issue-856	51	2	,	,	PUNCT
issue-856	51	3	the	the	DET
issue-856	51	4	inductive	inductive	ADJ
issue-856	51	5	method	method	NOUN
issue-856	51	6	of	of	ADP
issue-856	51	7	research	research	NOUN
issue-856	51	8	made	make	VERB
issue-856	51	9	it	it	PRON
issue-856	51	10	possible	possible	ADJ
issue-856	51	11	to	to	PART
issue-856	51	12	establish	establish	VERB
issue-856	51	13	general	general	ADJ
issue-856	51	14	principles	principle	NOUN
issue-856	51	15	for	for	ADP
issue-856	51	16	the	the	DET
issue-856	51	17	existence	existence	NOUN
issue-856	51	18	of	of	ADP
issue-856	51	19	all	all	DET
issue-856	51	20	phenomena	phenomenon	NOUN
issue-856	51	21	of	of	ADP
issue-856	51	22	a	a	DET
issue-856	51	23	particular	particular	ADJ
issue-856	51	24	area	area	NOUN
issue-856	51	25	on	on	ADP
issue-856	51	26	individual	individual	ADJ
issue-856	51	27	facts	fact	NOUN
issue-856	51	28	.	.	PUNCT
issue-856	52	1	during	during	ADP
issue-856	52	2	the	the	DET
issue-856	52	3	deduction	deduction	NOUN
issue-856	52	4	,	,	PUNCT
issue-856	52	5	a	a	DET
issue-856	52	6	final	final	ADJ
issue-856	52	7	conclusion	conclusion	NOUN
issue-856	52	8	was	be	AUX
issue-856	52	9	drawn	draw	VERB
issue-856	52	10	from	from	ADP
issue-856	52	11	several	several	ADJ
issue-856	52	12	initial	initial	ADJ
issue-856	52	13	statements	statement	NOUN
issue-856	52	14	based	base	VERB
issue-856	52	15	on	on	ADP
issue-856	52	16	certain	certain	ADJ
issue-856	52	17	patterns	pattern	NOUN
issue-856	52	18	.	.	PUNCT
issue-856	53	1	in	in	ADP
issue-856	53	2	particular	particular	ADJ
issue-856	53	3	,	,	PUNCT
issue-856	53	4	these	these	DET
issue-856	53	5	methods	method	NOUN
issue-856	53	6	were	be	AUX
issue-856	53	7	used	use	VERB
issue-856	53	8	to	to	PART
issue-856	53	9	study	study	VERB
issue-856	53	10	the	the	DET
issue-856	53	11	life	life	NOUN
issue-856	53	12	cycle	cycle	NOUN
issue-856	53	13	curve	curve	NOUN
issue-856	53	14	of	of	ADP
issue-856	53	15	innovation	innovation	NOUN
issue-856	53	16	(	(	PUNCT
issue-856	53	17	in	in	ADP
issue-856	53	18	their	their	PRON
issue-856	53	19	general	general	ADJ
issue-856	53	20	sense	sense	NOUN
issue-856	53	21	)	)	PUNCT
issue-856	53	22	and	and	CCONJ
issue-856	53	23	its	its	PRON
issue-856	53	24	use	use	NOUN
issue-856	53	25	in	in	ADP
issue-856	53	26	order	order	NOUN
issue-856	53	27	to	to	PART
issue-856	53	28	implement	implement	VERB
issue-856	53	29	in	in	ADP
issue-856	53	30	the	the	DET
issue-856	53	31	field	field	NOUN
issue-856	53	32	of	of	ADP
issue-856	53	33	financial	financial	ADJ
issue-856	53	34	technology	technology	NOUN
issue-856	53	35	;	;	PUNCT
issue-856	53	36	as	as	ADV
issue-856	53	37	well	well	ADV
issue-856	53	38	as	as	ADP
issue-856	53	39	identifying	identify	VERB
issue-856	53	40	barriers	barrier	NOUN
issue-856	53	41	to	to	ADP
issue-856	53	42	the	the	DET
issue-856	53	43	spread	spread	NOUN
issue-856	53	44	of	of	ADP
issue-856	53	45	fintech	fintech	NOUN
issue-856	53	46	services	service	NOUN
issue-856	53	47	among	among	ADP
issue-856	53	48	potential	potential	ADJ
issue-856	53	49	users	user	NOUN
issue-856	53	50	.	.	PUNCT
issue-856	54	1	thus	thus	ADV
issue-856	54	2	,	,	PUNCT
issue-856	54	3	induction	induction	NOUN
issue-856	54	4	made	make	VERB
issue-856	54	5	it	it	PRON
issue-856	54	6	possible	possible	ADJ
issue-856	54	7	to	to	PART
issue-856	54	8	prepare	prepare	VERB
issue-856	54	9	the	the	DET
issue-856	54	10	ground	ground	NOUN
issue-856	54	11	for	for	ADP
issue-856	54	12	deduction	deduction	NOUN
issue-856	54	13	and	and	CCONJ
issue-856	54	14	provide	provide	VERB
issue-856	54	15	knowledge	knowledge	NOUN
issue-856	54	16	of	of	ADP
issue-856	54	17	factual	factual	ADJ
issue-856	54	18	material	material	NOUN
issue-856	54	19	,	,	PUNCT
issue-856	54	20	and	and	CCONJ
issue-856	54	21	deduction	deduction	NOUN
issue-856	54	22	,	,	PUNCT
issue-856	54	23	in	in	ADP
issue-856	54	24	turn	turn	NOUN
issue-856	54	25	,	,	PUNCT
issue-856	54	26	allowed	allow	VERB
issue-856	54	27	expanding	expand	VERB
issue-856	54	28	the	the	DET
issue-856	54	29	scope	scope	NOUN
issue-856	54	30	of	of	ADP
issue-856	54	31	this	this	DET
issue-856	54	32	knowledge	knowledge	NOUN
issue-856	54	33	.	.	PUNCT
issue-856	55	1	the	the	DET
issue-856	55	2	article	article	NOUN
issue-856	55	3	also	also	ADV
issue-856	55	4	uses	use	VERB
issue-856	55	5	descriptive	descriptive	ADJ
issue-856	55	6	research	research	NOUN
issue-856	55	7	methods	method	NOUN
issue-856	55	8	,	,	PUNCT
issue-856	55	9	which	which	PRON
issue-856	55	10	include	include	VERB
issue-856	55	11	question	question	NOUN
issue-856	55	12	-	-	PUNCT
issue-856	55	13	naires	naire	NOUN
issue-856	55	14	,	,	PUNCT
issue-856	55	15	surveys	survey	NOUN
issue-856	55	16	and	and	CCONJ
issue-856	55	17	recording	recording	NOUN
issue-856	55	18	of	of	ADP
issue-856	55	19	results	result	NOUN
issue-856	55	20	,	,	PUNCT
issue-856	55	21	in	in	ADP
issue-856	55	22	particular	particular	ADJ
issue-856	55	23	,	,	PUNCT
issue-856	55	24	the	the	DET
issue-856	55	25	attitude	attitude	NOUN
issue-856	55	26	of	of	ADP
issue-856	55	27	the	the	DET
issue-856	55	28	population	population	NOUN
issue-856	55	29	to	to	ADP
issue-856	55	30	baltic	baltic	PROPN
issue-856	55	31	journal	journal	PROPN
issue-856	55	32	of	of	ADP
issue-856	55	33	economic	economic	ADJ
issue-856	55	34	studies	study	NOUN
issue-856	55	35	48	48	NUM
issue-856	55	36	vol	vol	NOUN
issue-856	55	37	.	.	PROPN
issue-856	56	1	6	6	NUM
issue-856	56	2	,	,	PUNCT
issue-856	56	3	no	no	INTJ
issue-856	56	4	.	.	NOUN
issue-856	56	5	4	4	NUM
issue-856	56	6	,	,	PUNCT
issue-856	56	7	2020	2020	NUM
issue-856	57	1	the	the	DET
issue-856	57	2	introduction	introduction	NOUN
issue-856	57	3	of	of	ADP
issue-856	57	4	fintech	fintech	NOUN
issue-856	57	5	innovations	innovation	NOUN
issue-856	57	6	in	in	ADP
issue-856	57	7	everyday	everyday	ADJ
issue-856	57	8	life	life	NOUN
issue-856	57	9	,	,	PUNCT
issue-856	57	10	as	as	ADV
issue-856	57	11	well	well	ADV
issue-856	57	12	as	as	ADP
issue-856	57	13	the	the	DET
issue-856	57	14	state	state	NOUN
issue-856	57	15	of	of	ADP
issue-856	57	16	banks	bank	NOUN
issue-856	57	17	and	and	CCONJ
issue-856	57	18	fintech	fintech	NOUN
issue-856	57	19	companies	company	NOUN
issue-856	57	20	in	in	ADP
issue-856	57	21	the	the	DET
issue-856	57	22	context	context	NOUN
issue-856	57	23	of	of	ADP
issue-856	57	24	their	their	PRON
issue-856	57	25	cooperation	cooperation	NOUN
issue-856	57	26	and	and	CCONJ
issue-856	57	27	vision	vision	NOUN
issue-856	57	28	of	of	ADP
issue-856	57	29	financial	financial	ADJ
issue-856	57	30	technology	technology	NOUN
issue-856	57	31	industry	industry	NOUN
issue-856	57	32	in	in	ADP
issue-856	57	33	ukraine	ukraine	NOUN
issue-856	57	34	.	.	PUNCT
issue-856	58	1	the	the	DET
issue-856	58	2	results	result	NOUN
issue-856	58	3	were	be	AUX
issue-856	58	4	evaluated	evaluate	VERB
issue-856	58	5	and	and	CCONJ
issue-856	58	6	analyzed	analyze	VERB
issue-856	58	7	based	base	VERB
issue-856	58	8	on	on	ADP
issue-856	58	9	the	the	DET
issue-856	58	10	surveys	survey	NOUN
issue-856	58	11	conducted	conduct	VERB
issue-856	58	12	by	by	ADP
issue-856	58	13	the	the	DET
issue-856	58	14	ukrainian	ukrainian	PROPN
issue-856	58	15	association	association	PROPN
issue-856	58	16	of	of	ADP
issue-856	58	17	fintech	fintech	NOUN
issue-856	58	18	and	and	CCONJ
issue-856	58	19	innovative	innovative	ADJ
issue-856	58	20	companies	company	NOUN
issue-856	58	21	(	(	PUNCT
issue-856	58	22	ukrainian	ukrainian	ADJ
issue-856	58	23	association	association	NOUN
issue-856	58	24	of	of	ADP
issue-856	58	25	fintech	fintech	NOUN
issue-856	58	26	and	and	CCONJ
issue-856	58	27	innovative	innovative	ADJ
issue-856	58	28	companies	company	NOUN
issue-856	58	29	,	,	PUNCT
issue-856	58	30	2019	2019	NUM
issue-856	58	31	)	)	PUNCT
issue-856	58	32	,	,	PUNCT
issue-856	58	33	the	the	DET
issue-856	58	34	ministry	ministry	PROPN
issue-856	58	35	of	of	ADP
issue-856	58	36	digital	digital	ADJ
issue-856	58	37	transformation	transformation	NOUN
issue-856	58	38	of	of	ADP
issue-856	58	39	ukraine	ukraine	PROPN
issue-856	58	40	(	(	PUNCT
issue-856	58	41	ministry	ministry	PROPN
issue-856	58	42	of	of	ADP
issue-856	58	43	digital	digital	ADJ
issue-856	58	44	transformation	transformation	NOUN
issue-856	58	45	of	of	ADP
issue-856	58	46	ukraine	ukraine	NOUN
issue-856	58	47	,	,	PUNCT
issue-856	58	48	2019	2019	NUM
issue-856	58	49	)	)	PUNCT
issue-856	58	50	,	,	PUNCT
issue-856	58	51	the	the	DET
issue-856	58	52	ukrainian	ukrainian	ADJ
issue-856	58	53	division	division	NOUN
issue-856	58	54	of	of	ADP
issue-856	58	55	the	the	DET
issue-856	58	56	british	british	ADJ
issue-856	58	57	audit	audit	NOUN
issue-856	58	58	and	and	CCONJ
issue-856	58	59	consulting	consult	VERB
issue-856	58	60	company	company	NOUN
issue-856	58	61	ernst	ernst	PROPN
issue-856	58	62	&	&	CCONJ
issue-856	58	63	young	young	PROPN
issue-856	58	64	(	(	PUNCT
issue-856	58	65	ernst	ernst	PROPN
issue-856	58	66	&	&	CCONJ
issue-856	58	67	young	young	PROPN
issue-856	58	68	,	,	PUNCT
issue-856	58	69	2019	2019	NUM
issue-856	58	70	)	)	PUNCT
issue-856	58	71	,	,	PUNCT
issue-856	58	72	and	and	CCONJ
issue-856	58	73	the	the	DET
issue-856	58	74	us	us	PROPN
issue-856	58	75	agency	agency	NOUN
issue-856	58	76	for	for	ADP
issue-856	58	77	international	international	ADJ
issue-856	58	78	development	development	NOUN
issue-856	58	79	(	(	PUNCT
issue-856	58	80	usaid	usaid	PROPN
issue-856	58	81	,	,	PUNCT
issue-856	58	82	2019	2019	NUM
issue-856	58	83	)	)	PUNCT
issue-856	58	84	.	.	PUNCT
issue-856	59	1	2	2	X
issue-856	59	2	.	.	X
issue-856	59	3	literature	literature	NOUN
issue-856	59	4	review	review	VERB
issue-856	59	5	a	a	DET
issue-856	59	6	significant	significant	ADJ
issue-856	59	7	contribution	contribution	NOUN
issue-856	59	8	to	to	ADP
issue-856	59	9	the	the	DET
issue-856	59	10	study	study	NOUN
issue-856	59	11	of	of	ADP
issue-856	59	12	the	the	DET
issue-856	59	13	features	feature	NOUN
issue-856	59	14	of	of	ADP
issue-856	59	15	implementation	implementation	NOUN
issue-856	59	16	of	of	ADP
issue-856	59	17	fintech	fintech	NOUN
issue-856	59	18	solutions	solution	NOUN
issue-856	59	19	in	in	ADP
issue-856	59	20	financial	financial	ADJ
issue-856	59	21	and	and	CCONJ
issue-856	59	22	banking	banking	NOUN
issue-856	59	23	systems	system	NOUN
issue-856	59	24	was	be	AUX
issue-856	59	25	made	make	VERB
issue-856	59	26	by	by	ADP
issue-856	59	27	foreign	foreign	ADJ
issue-856	59	28	scholars	scholar	NOUN
issue-856	59	29	,	,	PUNCT
issue-856	59	30	including	include	VERB
issue-856	59	31	:	:	PUNCT
issue-856	59	32	p.	p.	NOUN
issue-856	59	33	schueffel	schueffel	NOUN
issue-856	59	34	(	(	PUNCT
issue-856	59	35	schueffel	schueffel	NOUN
issue-856	59	36	,	,	PUNCT
issue-856	59	37	2016	2016	NUM
issue-856	59	38	)	)	PUNCT
issue-856	59	39	,	,	PUNCT
issue-856	59	40	g.	g.	PROPN
issue-856	59	41	dorfleitner	dorfleitner	PROPN
issue-856	59	42	,	,	PUNCT
issue-856	59	43	l.	l.	PROPN
issue-856	59	44	hornuf	hornuf	PROPN
issue-856	59	45	,	,	PUNCT
issue-856	59	46	m.	m.	NOUN
issue-856	59	47	schmitt	schmitt	PROPN
issue-856	59	48	and	and	CCONJ
issue-856	59	49	m.	m.	PROPN
issue-856	59	50	weber	weber	PROPN
issue-856	59	51	(	(	PUNCT
issue-856	59	52	dorfleitner	dorfleitner	PROPN
issue-856	59	53	et	et	PROPN
issue-856	59	54	al	al	PROPN
issue-856	59	55	.	.	PROPN
issue-856	59	56	,	,	PUNCT
issue-856	59	57	2016	2016	NUM
issue-856	59	58	)	)	PUNCT
issue-856	59	59	,	,	PUNCT
issue-856	59	60	k.	k.	PROPN
issue-856	59	61	leong	leong	PROPN
issue-856	59	62	and	and	CCONJ
issue-856	59	63	a.	a.	NOUN
issue-856	59	64	sang	sing	VERB
issue-856	59	65	(	(	PUNCT
issue-856	59	66	leong	leong	PROPN
issue-856	59	67	and	and	CCONJ
issue-856	59	68	sang	sing	VERB
issue-856	59	69	,	,	PUNCT
issue-856	59	70	2018	2018	NUM
issue-856	59	71	)	)	PUNCT
issue-856	59	72	,	,	PUNCT
issue-856	59	73	r.	r.	PROPN
issue-856	59	74	teigland	teigland	PROPN
issue-856	59	75	,	,	PUNCT
issue-856	59	76	c.	c.	PROPN
issue-856	59	77	ingram	ingram	PROPN
issue-856	59	78	,	,	PUNCT
issue-856	59	79	k	k	PROPN
issue-856	59	80	,	,	PUNCT
issue-856	59	81	kallstrand	kallstrand	PROPN
issue-856	59	82	and	and	CCONJ
issue-856	60	1	n.	n.	PROPN
issue-856	60	2	wesley	wesley	PROPN
issue-856	60	3	-	-	PUNCT
issue-856	60	4	james	james	PROPN
issue-856	60	5	(	(	PUNCT
issue-856	60	6	teigland	teigland	NOUN
issue-856	60	7	et	et	PROPN
issue-856	60	8	al	al	PROPN
issue-856	60	9	.	.	PROPN
issue-856	60	10	,	,	PUNCT
issue-856	60	11	2015	2015	NUM
issue-856	60	12	)	)	PUNCT
issue-856	60	13	,	,	PUNCT
issue-856	60	14	n.	n.	NOUN
issue-856	60	15	morozko	morozko	PROPN
issue-856	60	16	and	and	CCONJ
issue-856	60	17	v.	v.	ADP
issue-856	60	18	didenko	didenko	NOUN
issue-856	60	19	(	(	PUNCT
issue-856	60	20	morozko	morozko	NOUN
issue-856	60	21	and	and	CCONJ
issue-856	60	22	didenko	didenko	NOUN
issue-856	60	23	,	,	PUNCT
issue-856	60	24	2017	2017	NUM
issue-856	60	25	)	)	PUNCT
issue-856	60	26	,	,	PUNCT
issue-856	60	27	s.	s.	PROPN
issue-856	60	28	chishti	chishti	PROPN
issue-856	60	29	and	and	CCONJ
issue-856	60	30	j.	j.	PROPN
issue-856	60	31	barberis	barberis	PROPN
issue-856	60	32	(	(	PUNCT
issue-856	60	33	chishti	chishti	NOUN
issue-856	60	34	and	and	CCONJ
issue-856	60	35	barberis	barberis	NOUN
issue-856	60	36	,	,	PUNCT
issue-856	60	37	2016	2016	NUM
issue-856	60	38	)	)	PUNCT
issue-856	60	39	.	.	PUNCT
issue-856	61	1	the	the	DET
issue-856	61	2	issues	issue	NOUN
issue-856	61	3	of	of	ADP
issue-856	61	4	the	the	DET
issue-856	61	5	emergence	emergence	NOUN
issue-856	61	6	and	and	CCONJ
issue-856	61	7	functioning	functioning	NOUN
issue-856	61	8	of	of	ADP
issue-856	61	9	the	the	DET
issue-856	61	10	financial	financial	ADJ
issue-856	61	11	technology	technology	NOUN
issue-856	61	12	industry	industry	NOUN
issue-856	61	13	are	be	AUX
issue-856	61	14	reflected	reflect	VERB
issue-856	61	15	in	in	ADP
issue-856	61	16	the	the	DET
issue-856	61	17	works	work	NOUN
issue-856	61	18	of	of	ADP
issue-856	61	19	such	such	ADJ
issue-856	61	20	ukrainian	ukrainian	ADJ
issue-856	61	21	scientists	scientist	NOUN
issue-856	61	22	as	as	ADP
issue-856	61	23	:	:	PUNCT
issue-856	61	24	a.	a.	NOUN
issue-856	61	25	mazaraki	mazaraki	PROPN
issue-856	61	26	and	and	CCONJ
issue-856	61	27	s.	s.	PROPN
issue-856	61	28	volosovych	volosovych	PROPN
issue-856	61	29	(	(	PUNCT
issue-856	61	30	mazaraki	mazaraki	PROPN
issue-856	61	31	and	and	CCONJ
issue-856	61	32	volosovych	volosovych	NOUN
issue-856	61	33	,	,	PUNCT
issue-856	61	34	2018	2018	NUM
issue-856	61	35	)	)	PUNCT
issue-856	61	36	,	,	PUNCT
issue-856	61	37	v.	v.	ADP
issue-856	61	38	mishchenko	mishchenko	NOUN
issue-856	61	39	(	(	PUNCT
issue-856	61	40	mishchenko	mishchenko	NOUN
issue-856	61	41	et	et	PROPN
issue-856	61	42	al	al	PROPN
issue-856	61	43	.	.	PROPN
issue-856	61	44	,	,	PUNCT
issue-856	61	45	2018	2018	NUM
issue-856	61	46	)	)	PUNCT
issue-856	61	47	,	,	PUNCT
issue-856	61	48	m.	m.	NOUN
issue-856	61	49	tarasyuk	tarasyuk	PROPN
issue-856	61	50	and	and	CCONJ
issue-856	61	51	o.	o.	PROPN
issue-856	61	52	koshcheev	koshcheev	PROPN
issue-856	61	53	(	(	PUNCT
issue-856	61	54	tarasyuk	tarasyuk	NOUN
issue-856	61	55	and	and	CCONJ
issue-856	61	56	koshcheev	koshcheev	NOUN
issue-856	61	57	,	,	PUNCT
issue-856	61	58	2017	2017	NUM
issue-856	61	59	)	)	PUNCT
issue-856	61	60	,	,	PUNCT
issue-856	61	61	l.	l.	PROPN
issue-856	61	62	dudynets	dudynet	NOUN
issue-856	61	63	(	(	PUNCT
issue-856	61	64	dudynets	dudynet	NOUN
issue-856	61	65	,	,	PUNCT
issue-856	61	66	2018	2018	NUM
issue-856	61	67	)	)	PUNCT
issue-856	61	68	,	,	PUNCT
issue-856	61	69	m.	m.	NOUN
issue-856	61	70	dyba	dyba	NOUN
issue-856	61	71	and	and	CCONJ
issue-856	61	72	ye	ye	NOUN
issue-856	61	73	.	.	PROPN
issue-856	61	74	osadchyy	osadchyy	NOUN
issue-856	61	75	(	(	PUNCT
issue-856	61	76	dyba	dyba	ADJ
issue-856	61	77	and	and	CCONJ
issue-856	61	78	osadchyy	osadchyy	NOUN
issue-856	61	79	,	,	PUNCT
issue-856	61	80	2018	2018	NUM
issue-856	61	81	)	)	PUNCT
issue-856	61	82	,	,	PUNCT
issue-856	61	83	h.	h.	PROPN
issue-856	61	84	pochenchuk	pochenchuk	PROPN
issue-856	61	85	(	(	PUNCT
issue-856	61	86	pochenchuk	pochenchuk	NOUN
issue-856	61	87	,	,	PUNCT
issue-856	61	88	2018	2018	NUM
issue-856	61	89	)	)	PUNCT
issue-856	61	90	.	.	PUNCT
issue-856	62	1	thorough	thorough	ADJ
issue-856	62	2	researches	research	VERB
issue-856	62	3	in	in	ADP
issue-856	62	4	the	the	DET
issue-856	62	5	fintech	fintech	NOUN
issue-856	62	6	industry	industry	NOUN
issue-856	62	7	is	be	AUX
issue-856	62	8	carried	carry	VERB
issue-856	62	9	out	out	ADP
issue-856	62	10	by	by	ADP
issue-856	62	11	the	the	DET
issue-856	62	12	international	international	PROPN
issue-856	62	13	institute	institute	PROPN
issue-856	62	14	for	for	ADP
issue-856	62	15	management	management	NOUN
issue-856	62	16	development	development	NOUN
issue-856	62	17	(	(	PUNCT
issue-856	62	18	iimd	iimd	NOUN
issue-856	62	19	,	,	PUNCT
issue-856	62	20	2019	2019	NUM
issue-856	62	21	)	)	PUNCT
issue-856	62	22	,	,	PUNCT
issue-856	62	23	the	the	DET
issue-856	62	24	international	international	ADJ
issue-856	62	25	association	association	NOUN
issue-856	62	26	of	of	ADP
issue-856	62	27	insurance	insurance	NOUN
issue-856	62	28	supervisors	supervisor	NOUN
issue-856	62	29	(	(	PUNCT
issue-856	62	30	kawai	kawai	PROPN
issue-856	62	31	,	,	PUNCT
issue-856	62	32	2016	2016	NUM
issue-856	62	33	)	)	PUNCT
issue-856	62	34	,	,	PUNCT
issue-856	62	35	ernst	ernst	PROPN
issue-856	62	36	&	&	CCONJ
issue-856	62	37	young	young	PROPN
issue-856	62	38	(	(	PUNCT
issue-856	62	39	ernst	ernst	PROPN
issue-856	62	40	&	&	CCONJ
issue-856	62	41	young	young	PROPN
issue-856	62	42	,	,	PUNCT
issue-856	62	43	2019	2019	NUM
issue-856	62	44	)	)	PUNCT
issue-856	62	45	,	,	PUNCT
issue-856	62	46	deloitte	deloitte	PROPN
issue-856	62	47	(	(	PUNCT
issue-856	62	48	deloitte	deloitte	PROPN
issue-856	62	49	,	,	PUNCT
issue-856	62	50	2017	2017	NUM
issue-856	62	51	)	)	PUNCT
issue-856	62	52	,	,	PUNCT
issue-856	62	53	the	the	DET
issue-856	62	54	united	united	PROPN
issue-856	62	55	states	states	PROPN
issue-856	62	56	agency	agency	PROPN
issue-856	62	57	for	for	ADP
issue-856	62	58	international	international	ADJ
issue-856	62	59	development	development	NOUN
issue-856	62	60	(	(	PUNCT
issue-856	62	61	usaid	usaid	PROPN
issue-856	62	62	,	,	PUNCT
issue-856	62	63	2019	2019	NUM
issue-856	62	64	)	)	PUNCT
issue-856	62	65	,	,	PUNCT
issue-856	62	66	etc	etc	X
issue-856	62	67	.	.	X
issue-856	62	68	financial	financial	ADJ
issue-856	62	69	technology	technology	NOUN
issue-856	62	70	or	or	CCONJ
issue-856	62	71	fintech	fintech	NOUN
issue-856	62	72	is	be	AUX
issue-856	62	73	a	a	DET
issue-856	62	74	symbiosis	symbiosis	NOUN
issue-856	62	75	of	of	ADP
issue-856	62	76	finance	finance	NOUN
issue-856	62	77	and	and	CCONJ
issue-856	62	78	new	new	ADJ
issue-856	62	79	technologies	technology	NOUN
issue-856	62	80	using	use	VERB
issue-856	62	81	mobile	mobile	ADJ
issue-856	62	82	applications	application	NOUN
issue-856	62	83	and	and	CCONJ
issue-856	62	84	algorithms	algorithm	NOUN
issue-856	62	85	.	.	PUNCT
issue-856	63	1	the	the	DET
issue-856	63	2	concept	concept	NOUN
issue-856	63	3	of	of	ADP
issue-856	63	4	“	"	PUNCT
issue-856	63	5	fintech	fintech	NOUN
issue-856	63	6	”	"	PUNCT
issue-856	63	7	is	be	AUX
issue-856	63	8	not	not	PART
issue-856	63	9	new	new	ADJ
issue-856	63	10	,	,	PUNCT
issue-856	63	11	but	but	CCONJ
issue-856	63	12	only	only	ADV
issue-856	63	13	in	in	ADP
issue-856	63	14	recent	recent	ADJ
issue-856	63	15	years	year	NOUN
issue-856	63	16	,	,	PUNCT
issue-856	63	17	this	this	DET
issue-856	63	18	kind	kind	NOUN
issue-856	63	19	of	of	ADP
issue-856	63	20	business	business	NOUN
issue-856	63	21	has	have	AUX
issue-856	63	22	begun	begin	VERB
issue-856	63	23	to	to	PART
issue-856	63	24	acquire	acquire	VERB
issue-856	63	25	the	the	DET
issue-856	63	26	features	feature	NOUN
issue-856	63	27	of	of	ADP
issue-856	63	28	a	a	DET
issue-856	63	29	separate	separate	ADJ
issue-856	63	30	industry	industry	NOUN
issue-856	63	31	.	.	PUNCT
issue-856	64	1	at	at	ADP
issue-856	64	2	the	the	DET
issue-856	64	3	same	same	ADJ
issue-856	64	4	time	time	NOUN
issue-856	64	5	,	,	PUNCT
issue-856	64	6	financial	financial	ADJ
issue-856	64	7	technologies	technology	NOUN
issue-856	64	8	are	be	AUX
issue-856	64	9	changing	change	VERB
issue-856	64	10	extremely	extremely	ADV
issue-856	64	11	rapidly	rapidly	ADV
issue-856	64	12	under	under	ADP
issue-856	64	13	the	the	DET
issue-856	64	14	influence	influence	NOUN
issue-856	64	15	of	of	ADP
issue-856	64	16	different	different	ADJ
issue-856	64	17	social	social	ADJ
issue-856	64	18	needs	need	NOUN
issue-856	64	19	,	,	PUNCT
issue-856	64	20	what	what	PRON
issue-856	64	21	causes	cause	VERB
issue-856	64	22	an	an	DET
issue-856	64	23	ambiguity	ambiguity	NOUN
issue-856	64	24	in	in	ADP
issue-856	64	25	the	the	DET
issue-856	64	26	understanding	understanding	NOUN
issue-856	64	27	of	of	ADP
issue-856	64	28	this	this	DET
issue-856	64	29	concept	concept	NOUN
issue-856	64	30	.	.	PUNCT
issue-856	65	1	currently	currently	ADV
issue-856	65	2	,	,	PUNCT
issue-856	65	3	there	there	PRON
issue-856	65	4	is	be	VERB
issue-856	65	5	no	no	DET
issue-856	65	6	generally	generally	ADV
issue-856	65	7	accepted	accept	VERB
issue-856	65	8	interpretation	interpretation	NOUN
issue-856	65	9	of	of	ADP
issue-856	65	10	the	the	DET
issue-856	65	11	term	term	NOUN
issue-856	65	12	“	"	PUNCT
issue-856	65	13	fintech	fintech	NOUN
issue-856	65	14	”	"	PUNCT
issue-856	65	15	.	.	PUNCT
issue-856	66	1	the	the	DET
issue-856	66	2	international	international	PROPN
issue-856	66	3	association	association	PROPN
issue-856	66	4	of	of	ADP
issue-856	66	5	insurance	insurance	NOUN
issue-856	66	6	supervisors	supervisor	NOUN
issue-856	66	7	,	,	PUNCT
issue-856	66	8	represented	represent	VERB
issue-856	66	9	by	by	ADP
issue-856	66	10	its	its	PRON
issue-856	66	11	secretary	secretary	PROPN
issue-856	66	12	general	general	PROPN
issue-856	66	13	y.	y.	PROPN
issue-856	66	14	kawai	kawai	PROPN
issue-856	66	15	(	(	PUNCT
issue-856	66	16	kawai	kawai	PROPN
issue-856	66	17	,	,	PUNCT
issue-856	66	18	2016	2016	NUM
issue-856	66	19	)	)	PUNCT
issue-856	66	20	,	,	PUNCT
issue-856	66	21	provides	provide	VERB
issue-856	66	22	the	the	DET
issue-856	66	23	following	follow	VERB
issue-856	66	24	definition	definition	NOUN
issue-856	66	25	:	:	PUNCT
issue-856	66	26	fintech	fintech	NOUN
issue-856	66	27	can	can	AUX
issue-856	66	28	be	be	AUX
issue-856	66	29	described	describe	VERB
issue-856	66	30	as	as	ADP
issue-856	66	31	technologically	technologically	ADV
issue-856	66	32	enabled	enable	VERB
issue-856	66	33	financial	financial	ADJ
issue-856	66	34	innovation	innovation	NOUN
issue-856	66	35	,	,	PUNCT
issue-856	66	36	that	that	PRON
issue-856	66	37	is	be	AUX
issue-856	66	38	giving	give	VERB
issue-856	66	39	rise	rise	NOUN
issue-856	66	40	to	to	ADP
issue-856	66	41	new	new	ADJ
issue-856	66	42	business	business	NOUN
issue-856	66	43	models	model	NOUN
issue-856	66	44	,	,	PUNCT
issue-856	66	45	applications	application	NOUN
issue-856	66	46	,	,	PUNCT
issue-856	66	47	processes	process	NOUN
issue-856	66	48	and	and	CCONJ
issue-856	66	49	products	product	NOUN
issue-856	66	50	,	,	PUNCT
issue-856	66	51	which	which	PRON
issue-856	66	52	can	can	AUX
issue-856	66	53	have	have	VERB
issue-856	66	54	a	a	DET
issue-856	66	55	material	material	ADJ
issue-856	66	56	effect	effect	NOUN
issue-856	66	57	on	on	ADP
issue-856	66	58	financial	financial	ADJ
issue-856	66	59	markets	market	NOUN
issue-856	66	60	,	,	PUNCT
issue-856	66	61	institutions	institution	NOUN
issue-856	66	62	and	and	CCONJ
issue-856	66	63	the	the	DET
issue-856	66	64	provision	provision	NOUN
issue-856	66	65	of	of	ADP
issue-856	66	66	financial	financial	ADJ
issue-856	66	67	services	service	NOUN
issue-856	66	68	.	.	PUNCT
issue-856	67	1	another	another	DET
issue-856	67	2	approach	approach	NOUN
issue-856	67	3	to	to	ADP
issue-856	67	4	the	the	DET
issue-856	67	5	interpretation	interpretation	NOUN
issue-856	67	6	of	of	ADP
issue-856	67	7	this	this	DET
issue-856	67	8	concept	concept	NOUN
issue-856	67	9	is	be	AUX
issue-856	67	10	demonstrated	demonstrate	VERB
issue-856	67	11	by	by	ADP
issue-856	67	12	the	the	DET
issue-856	67	13	board	board	NOUN
issue-856	67	14	of	of	ADP
issue-856	67	15	governors	governor	NOUN
issue-856	67	16	of	of	ADP
issue-856	67	17	the	the	DET
issue-856	67	18	us	us	PROPN
issue-856	67	19	federal	federal	PROPN
issue-856	67	20	reserve	reserve	PROPN
issue-856	67	21	system	system	NOUN
issue-856	67	22	(	(	PUNCT
issue-856	67	23	us	us	PROPN
issue-856	67	24	federal	federal	PROPN
issue-856	67	25	reserve	reserve	PROPN
issue-856	67	26	,	,	PUNCT
issue-856	67	27	2016	2016	NUM
issue-856	67	28	)	)	PUNCT
issue-856	67	29	.	.	PUNCT
issue-856	68	1	according	accord	VERB
issue-856	68	2	to	to	ADP
issue-856	68	3	their	their	PRON
issue-856	68	4	opinion	opinion	NOUN
issue-856	68	5	,	,	PUNCT
issue-856	68	6	fintech	fintech	NOUN
issue-856	68	7	is	be	AUX
issue-856	68	8	an	an	DET
issue-856	68	9	industry	industry	NOUN
issue-856	68	10	composed	compose	VERB
issue-856	68	11	of	of	ADP
issue-856	68	12	companies	company	NOUN
issue-856	68	13	that	that	PRON
issue-856	68	14	use	use	VERB
issue-856	68	15	technology	technology	NOUN
issue-856	68	16	to	to	PART
issue-856	68	17	make	make	VERB
issue-856	68	18	financial	financial	ADJ
issue-856	68	19	systems	system	NOUN
issue-856	68	20	and	and	CCONJ
issue-856	68	21	the	the	DET
issue-856	68	22	delivery	delivery	NOUN
issue-856	68	23	of	of	ADP
issue-856	68	24	financial	financial	ADJ
issue-856	68	25	services	service	NOUN
issue-856	68	26	more	more	ADJ
issue-856	68	27	ef	ef	NOUN
issue-856	68	28	-	-	NOUN
issue-856	68	29	ficient	ficient	NOUN
issue-856	68	30	.	.	PUNCT
issue-856	69	1	german	german	ADJ
issue-856	69	2	scientists	scientist	NOUN
issue-856	69	3	,	,	PUNCT
issue-856	69	4	authors	author	NOUN
issue-856	69	5	of	of	ADP
issue-856	69	6	the	the	DET
issue-856	69	7	report	report	NOUN
issue-856	69	8	“	"	PUNCT
issue-856	69	9	the	the	DET
issue-856	69	10	fintech	fintech	NOUN
issue-856	69	11	market	market	NOUN
issue-856	69	12	in	in	ADP
issue-856	69	13	germany	germany	PROPN
issue-856	69	14	”	"	PUNCT
issue-856	69	15	(	(	PUNCT
issue-856	69	16	dorfleitner	dorfleitner	NOUN
issue-856	69	17	et	et	PROPN
issue-856	69	18	al	al	PROPN
issue-856	69	19	.	.	PROPN
issue-856	69	20	,	,	PUNCT
issue-856	69	21	2016	2016	NUM
issue-856	69	22	)	)	PUNCT
issue-856	69	23	believe	believe	VERB
issue-856	69	24	that	that	SCONJ
issue-856	69	25	it	it	PRON
issue-856	69	26	is	be	AUX
issue-856	69	27	impossible	impossible	ADJ
issue-856	69	28	to	to	PART
issue-856	69	29	define	define	VERB
issue-856	69	30	the	the	DET
issue-856	69	31	term	term	NOUN
issue-856	69	32	“	"	PUNCT
issue-856	69	33	fintech	fintech	NOUN
issue-856	69	34	”	"	PUNCT
issue-856	69	35	from	from	ADP
issue-856	69	36	a	a	DET
issue-856	69	37	legislative	legislative	ADJ
issue-856	69	38	point	point	NOUN
issue-856	69	39	of	of	ADP
issue-856	69	40	view	view	NOUN
issue-856	69	41	.	.	PUNCT
issue-856	70	1	fintech	fintech	NOUN
issue-856	70	2	companies	company	NOUN
issue-856	70	3	are	be	AUX
issue-856	70	4	subject	subject	ADJ
issue-856	70	5	to	to	ADP
issue-856	70	6	differing	differ	VERB
issue-856	70	7	kinds	kind	NOUN
issue-856	70	8	of	of	ADP
issue-856	70	9	legal	legal	ADJ
issue-856	70	10	and	and	CCONJ
issue-856	70	11	regulatory	regulatory	ADJ
issue-856	70	12	obligations	obligation	NOUN
issue-856	70	13	due	due	ADP
issue-856	70	14	to	to	ADP
issue-856	70	15	their	their	PRON
issue-856	70	16	highly	highly	ADV
issue-856	70	17	various	various	ADJ
issue-856	70	18	business	business	NOUN
issue-856	70	19	models	model	NOUN
issue-856	70	20	and	and	CCONJ
issue-856	70	21	the	the	DET
issue-856	70	22	extremely	extremely	ADV
issue-856	70	23	diverse	diverse	ADJ
issue-856	70	24	products	product	NOUN
issue-856	70	25	and	and	CCONJ
issue-856	70	26	services	service	NOUN
issue-856	70	27	they	they	PRON
issue-856	70	28	offer	offer	VERB
issue-856	70	29	.	.	PUNCT
issue-856	71	1	in	in	ADP
issue-856	71	2	a	a	DET
issue-856	71	3	general	general	ADJ
issue-856	71	4	sense	sense	NOUN
issue-856	71	5	,	,	PUNCT
issue-856	71	6	fintech	fintech	NOUN
issue-856	71	7	en	en	NOUN
issue-856	71	8	-	-	PUNCT
issue-856	71	9	compasses	compass	NOUN
issue-856	71	10	companies	company	NOUN
issue-856	71	11	that	that	PRON
issue-856	71	12	simply	simply	ADV
issue-856	71	13	provide	provide	VERB
issue-856	71	14	the	the	DET
issue-856	71	15	technology	technology	NOUN
issue-856	71	16	and	and	CCONJ
issue-856	71	17	software	software	NOUN
issue-856	71	18	solutions	solution	NOUN
issue-856	71	19	to	to	ADP
issue-856	71	20	financial	financial	ADJ
issue-856	71	21	service	service	NOUN
issue-856	71	22	providers	provider	NOUN
issue-856	71	23	.	.	PUNCT
issue-856	72	1	in	in	ADP
issue-856	72	2	order	order	NOUN
issue-856	72	3	to	to	PART
issue-856	72	4	generalize	generalize	VERB
issue-856	72	5	the	the	DET
issue-856	72	6	understanding	understanding	NOUN
issue-856	72	7	of	of	ADP
issue-856	72	8	fintech	fintech	NOUN
issue-856	72	9	,	,	PUNCT
issue-856	72	10	british	british	ADJ
issue-856	72	11	scientists	scientist	NOUN
issue-856	72	12	k.	k.	PROPN
issue-856	72	13	leong	leong	PROPN
issue-856	72	14	and	and	CCONJ
issue-856	72	15	a.	a.	NOUN
issue-856	72	16	sung	sung	PROPN
issue-856	72	17	(	(	PUNCT
issue-856	72	18	leong	leong	PROPN
issue-856	72	19	and	and	CCONJ
issue-856	72	20	sung	sung	PROPN
issue-856	72	21	,	,	PUNCT
issue-856	72	22	2018	2018	NUM
issue-856	72	23	)	)	PUNCT
issue-856	72	24	define	define	VERB
issue-856	72	25	it	it	PRON
issue-856	72	26	as	as	ADP
issue-856	72	27	a	a	DET
issue-856	72	28	cross	cross	ADJ
issue-856	72	29	-	-	ADJ
issue-856	72	30	disciplinary	disciplinary	ADJ
issue-856	72	31	subject	subject	NOUN
issue-856	72	32	that	that	PRON
issue-856	72	33	combines	combine	VERB
issue-856	72	34	finance	finance	NOUN
issue-856	72	35	,	,	PUNCT
issue-856	72	36	technology	technology	NOUN
issue-856	72	37	management	management	NOUN
issue-856	72	38	and	and	CCONJ
issue-856	72	39	innovation	innovation	NOUN
issue-856	72	40	management	management	NOUN
issue-856	72	41	.	.	PUNCT
issue-856	73	1	according	accord	VERB
issue-856	73	2	to	to	ADP
issue-856	73	3	them	they	PRON
issue-856	73	4	,	,	PUNCT
issue-856	73	5	financial	financial	ADJ
issue-856	73	6	technologies	technology	NOUN
issue-856	73	7	are	be	AUX
issue-856	73	8	any	any	DET
issue-856	73	9	innovative	innovative	ADJ
issue-856	73	10	ideas	idea	NOUN
issue-856	73	11	that	that	PRON
issue-856	73	12	improve	improve	VERB
issue-856	73	13	financial	financial	ADJ
issue-856	73	14	ser	ser	NOUN
issue-856	73	15	-	-	NOUN
issue-856	73	16	vice	vice	NOUN
issue-856	73	17	processes	process	NOUN
issue-856	73	18	by	by	ADP
issue-856	73	19	proposing	propose	VERB
issue-856	73	20	technology	technology	NOUN
issue-856	73	21	solutions	solution	NOUN
issue-856	73	22	according	accord	VERB
issue-856	73	23	to	to	ADP
issue-856	73	24	different	different	ADJ
issue-856	73	25	business	business	NOUN
issue-856	73	26	sit	sit	NOUN
issue-856	73	27	-	-	PUNCT
issue-856	73	28	uations	uation	NOUN
issue-856	73	29	,	,	PUNCT
issue-856	73	30	while	while	SCONJ
issue-856	73	31	the	the	DET
issue-856	73	32	ideas	idea	NOUN
issue-856	73	33	could	could	AUX
issue-856	73	34	also	also	ADV
issue-856	73	35	lead	lead	VERB
issue-856	73	36	to	to	ADP
issue-856	73	37	new	new	ADJ
issue-856	73	38	business	business	NOUN
issue-856	73	39	models	model	NOUN
issue-856	73	40	.	.	PUNCT
issue-856	74	1	r.	r.	PROPN
issue-856	74	2	teigland	teigland	PROPN
issue-856	74	3	(	(	PUNCT
issue-856	74	4	teigland	teigland	NOUN
issue-856	74	5	et	et	PROPN
issue-856	74	6	al	al	PROPN
issue-856	74	7	.	.	PROPN
issue-856	74	8	,	,	PUNCT
issue-856	74	9	2015	2015	NUM
issue-856	74	10	)	)	PUNCT
issue-856	74	11	,	,	PUNCT
issue-856	74	12	a	a	DET
issue-856	74	13	researcher	researcher	NOUN
issue-856	74	14	at	at	ADP
issue-856	74	15	the	the	DET
issue-856	74	16	stockholm	stockholm	PROPN
issue-856	74	17	school	school	NOUN
issue-856	74	18	of	of	ADP
issue-856	74	19	economics	economic	NOUN
issue-856	74	20	,	,	PUNCT
issue-856	74	21	believes	believe	VERB
issue-856	74	22	that	that	SCONJ
issue-856	74	23	fintech	fintech	NOUN
issue-856	74	24	is	be	AUX
issue-856	74	25	a	a	DET
issue-856	74	26	rather	rather	ADV
issue-856	74	27	complex	complex	ADJ
issue-856	74	28	category	category	NOUN
issue-856	74	29	to	to	PART
issue-856	74	30	define	define	VERB
issue-856	74	31	.	.	PUNCT
issue-856	75	1	based	base	VERB
issue-856	75	2	on	on	ADP
issue-856	75	3	the	the	DET
issue-856	75	4	name	name	NOUN
issue-856	75	5	,	,	PUNCT
issue-856	75	6	it	it	PRON
issue-856	75	7	is	be	AUX
issue-856	75	8	a	a	DET
issue-856	75	9	space	space	NOUN
issue-856	75	10	where	where	SCONJ
issue-856	75	11	technology	technology	NOUN
issue-856	75	12	is	be	AUX
issue-856	75	13	used	use	VERB
issue-856	75	14	in	in	ADP
issue-856	75	15	the	the	DET
issue-856	75	16	financial	financial	ADJ
issue-856	75	17	industry	industry	NOUN
issue-856	75	18	.	.	PUNCT
issue-856	76	1	this	this	DET
issue-856	76	2	definition	definition	NOUN
issue-856	76	3	is	be	AUX
issue-856	76	4	very	very	ADV
issue-856	76	5	broad	broad	ADJ
issue-856	76	6	and	and	CCONJ
issue-856	76	7	encompasses	encompass	VERB
issue-856	76	8	the	the	DET
issue-856	76	9	entire	entire	ADJ
issue-856	76	10	finance	finance	NOUN
issue-856	76	11	industry	industry	NOUN
issue-856	76	12	since	since	SCONJ
issue-856	76	13	every	every	DET
issue-856	76	14	area	area	NOUN
issue-856	76	15	uses	use	VERB
issue-856	76	16	technology	technology	NOUN
issue-856	76	17	in	in	ADP
issue-856	76	18	some	some	DET
issue-856	76	19	way	way	NOUN
issue-856	76	20	:	:	PUNCT
issue-856	76	21	from	from	ADP
issue-856	76	22	swift	swift	NOUN
issue-856	76	23	as	as	ADP
issue-856	76	24	the	the	DET
issue-856	76	25	basis	basis	NOUN
issue-856	76	26	of	of	ADP
issue-856	76	27	the	the	DET
issue-856	76	28	global	global	ADJ
issue-856	76	29	digital	digital	ADJ
issue-856	76	30	transfer	transfer	NOUN
issue-856	76	31	system	system	NOUN
issue-856	76	32	to	to	ADP
issue-856	76	33	retail	retail	ADJ
issue-856	76	34	banks	bank	NOUN
issue-856	76	35	operating	operate	VERB
issue-856	76	36	digital	digital	ADJ
issue-856	76	37	portals	portal	NOUN
issue-856	76	38	to	to	ADP
issue-856	76	39	stock	stock	NOUN
issue-856	76	40	exchanges	exchange	NOUN
issue-856	76	41	and	and	CCONJ
issue-856	76	42	clearinghouses	clearinghouse	NOUN
issue-856	76	43	.	.	PUNCT
issue-856	77	1	russian	russian	ADJ
issue-856	77	2	scholars	scholar	NOUN
issue-856	77	3	n.	n.	PROPN
issue-856	77	4	morozko	morozko	PROPN
issue-856	77	5	and	and	CCONJ
issue-856	77	6	v.	v.	ADP
issue-856	77	7	didenko	didenko	NOUN
issue-856	77	8	(	(	PUNCT
issue-856	77	9	morozko	morozko	NOUN
issue-856	77	10	and	and	CCONJ
issue-856	77	11	didenko	didenko	NOUN
issue-856	77	12	,	,	PUNCT
issue-856	77	13	2017	2017	NUM
issue-856	77	14	)	)	PUNCT
issue-856	77	15	believe	believe	VERB
issue-856	77	16	that	that	SCONJ
issue-856	77	17	financial	financial	ADJ
issue-856	77	18	technology	technology	NOUN
issue-856	77	19	space	space	NOUN
issue-856	77	20	is	be	AUX
issue-856	77	21	an	an	DET
issue-856	77	22	industry	industry	NOUN
issue-856	77	23	that	that	PRON
issue-856	77	24	includes	include	VERB
issue-856	77	25	technologies	technology	NOUN
issue-856	77	26	for	for	ADP
issue-856	77	27	banking	banking	NOUN
issue-856	77	28	and	and	CCONJ
issue-856	77	29	corporate	corporate	ADJ
issue-856	77	30	finance	finance	NOUN
issue-856	77	31	,	,	PUNCT
issue-856	77	32	capital	capital	NOUN
issue-856	77	33	markets	market	NOUN
issue-856	77	34	,	,	PUNCT
issue-856	77	35	financial	financial	ADJ
issue-856	77	36	analytics	analytic	NOUN
issue-856	77	37	,	,	PUNCT
issue-856	77	38	payments	payment	NOUN
issue-856	77	39	,	,	PUNCT
issue-856	77	40	personal	personal	ADJ
issue-856	77	41	management	management	NOUN
issue-856	77	42	finance	finance	NOUN
issue-856	77	43	,	,	PUNCT
issue-856	77	44	private	private	ADJ
issue-856	77	45	and	and	CCONJ
issue-856	77	46	venture	venture	NOUN
issue-856	77	47	capital	capital	NOUN
issue-856	77	48	.	.	PUNCT
issue-856	78	1	according	accord	VERB
issue-856	78	2	to	to	ADP
issue-856	78	3	the	the	DET
issue-856	78	4	ukrainian	ukrainian	ADJ
issue-856	78	5	scientists	scientist	NOUN
issue-856	78	6	a.	a.	NOUN
issue-856	78	7	mazaraki	mazaraki	PROPN
issue-856	78	8	and	and	CCONJ
issue-856	78	9	s.	s.	PROPN
issue-856	78	10	volosovych	volosovych	PROPN
issue-856	78	11	(	(	PUNCT
issue-856	78	12	mazaraki	mazaraki	PROPN
issue-856	78	13	and	and	CCONJ
issue-856	78	14	volosovych	volosovych	NOUN
issue-856	78	15	,	,	PUNCT
issue-856	78	16	2018	2018	NUM
issue-856	78	17	)	)	PUNCT
issue-856	78	18	,	,	PUNCT
issue-856	78	19	in	in	ADP
issue-856	78	20	the	the	DET
issue-856	78	21	general	general	ADJ
issue-856	78	22	sense	sense	NOUN
issue-856	78	23	,	,	PUNCT
issue-856	78	24	fintech	fintech	NOUN
issue-856	78	25	is	be	AUX
issue-856	78	26	an	an	DET
issue-856	78	27	innovative	innovative	ADJ
issue-856	78	28	technology	technology	NOUN
issue-856	78	29	used	use	VERB
issue-856	78	30	by	by	ADP
issue-856	78	31	financial	financial	ADJ
issue-856	78	32	institutions	institution	NOUN
issue-856	78	33	,	,	PUNCT
issue-856	78	34	government	government	NOUN
issue-856	78	35	agencies	agency	NOUN
issue-856	78	36	,	,	PUNCT
issue-856	78	37	trade	trade	NOUN
issue-856	78	38	organizations	organization	NOUN
issue-856	78	39	to	to	PART
issue-856	78	40	meet	meet	VERB
issue-856	78	41	the	the	DET
issue-856	78	42	needs	need	NOUN
issue-856	78	43	of	of	ADP
issue-856	78	44	consumers	consumer	NOUN
issue-856	78	45	of	of	ADP
issue-856	78	46	financial	financial	ADJ
issue-856	78	47	,	,	PUNCT
issue-856	78	48	administrative	administrative	ADJ
issue-856	78	49	services	service	NOUN
issue-856	78	50	and	and	CCONJ
issue-856	78	51	goods	good	NOUN
issue-856	78	52	in	in	ADP
issue-856	78	53	conditions	condition	NOUN
issue-856	78	54	of	of	ADP
issue-856	78	55	development	development	NOUN
issue-856	78	56	of	of	ADP
issue-856	78	57	the	the	DET
issue-856	78	58	consumer	consumer	NOUN
issue-856	78	59	economy	economy	NOUN
issue-856	78	60	.	.	PUNCT
issue-856	79	1	thus	thus	ADV
issue-856	79	2	,	,	PUNCT
issue-856	79	3	the	the	DET
issue-856	79	4	term	term	NOUN
issue-856	79	5	“	"	PUNCT
issue-856	79	6	fintech	fintech	NOUN
issue-856	79	7	”	"	PUNCT
issue-856	79	8	is	be	AUX
issue-856	79	9	used	use	VERB
issue-856	79	10	to	to	PART
issue-856	79	11	describe	describe	VERB
issue-856	79	12	a	a	DET
issue-856	79	13	wide	wide	ADJ
issue-856	79	14	range	range	NOUN
issue-856	79	15	of	of	ADP
issue-856	79	16	innovations	innovation	NOUN
issue-856	79	17	in	in	ADP
issue-856	79	18	the	the	DET
issue-856	79	19	financial	financial	ADJ
issue-856	79	20	sector	sector	NOUN
issue-856	79	21	.	.	PUNCT
issue-856	80	1	an	an	DET
issue-856	80	2	analysis	analysis	NOUN
issue-856	80	3	of	of	ADP
issue-856	80	4	the	the	DET
issue-856	80	5	scientific	scientific	ADJ
issue-856	80	6	literature	literature	NOUN
issue-856	80	7	allows	allow	VERB
issue-856	80	8	us	we	PRON
issue-856	80	9	to	to	PART
issue-856	80	10	conclude	conclude	VERB
issue-856	80	11	that	that	SCONJ
issue-856	80	12	several	several	ADJ
issue-856	80	13	approaches	approach	NOUN
issue-856	80	14	should	should	AUX
issue-856	80	15	be	be	AUX
issue-856	80	16	applied	apply	VERB
issue-856	80	17	to	to	ADP
issue-856	80	18	the	the	DET
issue-856	80	19	interpretation	interpretation	NOUN
issue-856	80	20	of	of	ADP
issue-856	80	21	this	this	DET
issue-856	80	22	concept	concept	NOUN
issue-856	80	23	.	.	PUNCT
issue-856	81	1	baltic	baltic	PROPN
issue-856	81	2	journal	journal	PROPN
issue-856	81	3	of	of	ADP
issue-856	81	4	economic	economic	ADJ
issue-856	81	5	studies	study	NOUN
issue-856	81	6	49	49	NUM
issue-856	81	7	vol	vol	NOUN
issue-856	81	8	.	.	PROPN
issue-856	82	1	6	6	NUM
issue-856	82	2	,	,	PUNCT
issue-856	82	3	no	no	INTJ
issue-856	82	4	.	.	NOUN
issue-856	82	5	4	4	NUM
issue-856	82	6	,	,	PUNCT
issue-856	82	7	2020	2020	NUM
issue-856	82	8	firstly	firstly	ADV
issue-856	82	9	,	,	PUNCT
issue-856	82	10	fintech	fintech	NOUN
issue-856	82	11	is	be	AUX
issue-856	82	12	a	a	DET
issue-856	82	13	branch	branch	NOUN
issue-856	82	14	of	of	ADP
issue-856	82	15	the	the	DET
issue-856	82	16	economy	economy	NOUN
issue-856	82	17	that	that	PRON
issue-856	82	18	consists	consist	VERB
issue-856	82	19	of	of	ADP
issue-856	82	20	companies	company	NOUN
issue-856	82	21	(	(	PUNCT
issue-856	82	22	mostly	mostly	ADV
issue-856	82	23	startups	startup	NOUN
issue-856	82	24	)	)	PUNCT
issue-856	82	25	that	that	PRON
issue-856	82	26	use	use	VERB
issue-856	82	27	technology	technology	NOUN
issue-856	82	28	to	to	PART
issue-856	82	29	provide	provide	VERB
issue-856	82	30	financial	financial	ADJ
issue-856	82	31	services	service	NOUN
issue-856	82	32	more	more	ADV
issue-856	82	33	efficiently	efficiently	ADV
issue-856	82	34	.	.	PUNCT
issue-856	83	1	secondly	secondly	ADV
issue-856	83	2	,	,	PUNCT
issue-856	83	3	fintech	fintech	NOUN
issue-856	83	4	is	be	AUX
issue-856	83	5	a	a	DET
issue-856	83	6	set	set	NOUN
issue-856	83	7	of	of	ADP
issue-856	83	8	institutions	institution	NOUN
issue-856	83	9	that	that	PRON
issue-856	83	10	implement	implement	VERB
issue-856	83	11	innovative	innovative	ADJ
issue-856	83	12	business	business	NOUN
issue-856	83	13	models	model	NOUN
issue-856	83	14	and	and	CCONJ
issue-856	83	15	technologies	technology	NOUN
issue-856	83	16	for	for	ADP
issue-856	83	17	expansion	expansion	NOUN
issue-856	83	18	and	and	CCONJ
issue-856	83	19	distribution	distribution	NOUN
issue-856	83	20	of	of	ADP
issue-856	83	21	financial	financial	ADJ
issue-856	83	22	services	service	NOUN
issue-856	83	23	.	.	PUNCT
issue-856	84	1	thirdly	thirdly	ADV
issue-856	84	2	,	,	PUNCT
issue-856	84	3	fintech	fintech	NOUN
issue-856	84	4	can	can	AUX
issue-856	84	5	be	be	AUX
issue-856	84	6	defined	define	VERB
issue-856	84	7	as	as	ADP
issue-856	84	8	computer	computer	NOUN
issue-856	84	9	programs	program	NOUN
issue-856	84	10	,	,	PUNCT
issue-856	84	11	applications	application	NOUN
issue-856	84	12	,	,	PUNCT
issue-856	84	13	and	and	CCONJ
issue-856	84	14	other	other	ADJ
issue-856	84	15	technologies	technology	NOUN
issue-856	84	16	used	use	VERB
issue-856	84	17	to	to	PART
issue-856	84	18	support	support	VERB
issue-856	84	19	or	or	CCONJ
issue-856	84	20	provide	provide	VERB
issue-856	84	21	banking	banking	NOUN
issue-856	84	22	and	and	CCONJ
issue-856	84	23	financial	financial	ADJ
issue-856	84	24	services	service	NOUN
issue-856	84	25	.	.	PUNCT
issue-856	85	1	and	and	CCONJ
issue-856	85	2	,	,	PUNCT
issue-856	85	3	fourthly	fourthly	ADV
issue-856	85	4	,	,	PUNCT
issue-856	85	5	fintech	fintech	NOUN
issue-856	85	6	is	be	AUX
issue-856	85	7	a	a	DET
issue-856	85	8	service	service	NOUN
issue-856	85	9	provided	provide	VERB
issue-856	85	10	by	by	ADP
issue-856	85	11	technology	technology	NOUN
issue-856	85	12	companies	company	NOUN
issue-856	85	13	using	use	VERB
issue-856	85	14	special	special	ADJ
issue-856	85	15	software	software	NOUN
issue-856	85	16	and	and	CCONJ
issue-856	85	17	focused	focus	VERB
issue-856	85	18	on	on	ADP
issue-856	85	19	the	the	DET
issue-856	85	20	financial	financial	ADJ
issue-856	85	21	needs	need	NOUN
issue-856	85	22	of	of	ADP
issue-856	85	23	customers	customer	NOUN
issue-856	85	24	.	.	PUNCT
issue-856	86	1	thus	thus	ADV
issue-856	86	2	,	,	PUNCT
issue-856	86	3	in	in	ADP
issue-856	86	4	our	our	PRON
issue-856	86	5	opinion	opinion	NOUN
issue-856	86	6	,	,	PUNCT
issue-856	86	7	fintech	fintech	NOUN
issue-856	86	8	is	be	AUX
issue-856	86	9	a	a	DET
issue-856	86	10	specific	specific	ADJ
issue-856	86	11	cross	cross	ADJ
issue-856	86	12	-	-	ADJ
issue-856	86	13	sectoral	sectoral	ADJ
issue-856	86	14	industry	industry	NOUN
issue-856	86	15	,	,	PUNCT
issue-856	86	16	which	which	PRON
issue-856	86	17	lies	lie	VERB
issue-856	86	18	on	on	ADP
issue-856	86	19	the	the	DET
issue-856	86	20	border	border	NOUN
issue-856	86	21	of	of	ADP
issue-856	86	22	financial	financial	ADJ
issue-856	86	23	and	and	CCONJ
issue-856	86	24	it	it	PRON
issue-856	86	25	spheres	sphere	VERB
issue-856	86	26	,	,	PUNCT
issue-856	86	27	consists	consist	VERB
issue-856	86	28	of	of	ADP
issue-856	86	29	companies	company	NOUN
issue-856	86	30	that	that	PRON
issue-856	86	31	use	use	VERB
issue-856	86	32	technology	technology	NOUN
issue-856	86	33	to	to	PART
issue-856	86	34	improve	improve	VERB
issue-856	86	35	the	the	DET
issue-856	86	36	efficiency	efficiency	NOUN
issue-856	86	37	of	of	ADP
issue-856	86	38	financial	financial	ADJ
issue-856	86	39	services	service	NOUN
issue-856	86	40	and	and	CCONJ
issue-856	86	41	encompasses	encompass	VERB
issue-856	86	42	digital	digital	ADJ
issue-856	86	43	innovations	innovation	NOUN
issue-856	86	44	and	and	CCONJ
issue-856	86	45	programs	program	NOUN
issue-856	86	46	that	that	PRON
issue-856	86	47	facilitate	facilitate	VERB
issue-856	86	48	the	the	DET
issue-856	86	49	creation	creation	NOUN
issue-856	86	50	and	and	CCONJ
issue-856	86	51	implementation	implementation	NOUN
issue-856	86	52	of	of	ADP
issue-856	86	53	financial	financial	ADJ
issue-856	86	54	products	product	NOUN
issue-856	86	55	.	.	PUNCT
issue-856	87	1	3	3	X
issue-856	87	2	.	.	X
issue-856	87	3	stages	stage	NOUN
issue-856	87	4	of	of	ADP
issue-856	87	5	development	development	NOUN
issue-856	87	6	of	of	ADP
issue-856	87	7	the	the	DET
issue-856	87	8	fintech	fintech	NOUN
issue-856	87	9	industry	industry	NOUN
issue-856	87	10	financial	financial	ADJ
issue-856	87	11	technology	technology	NOUN
issue-856	87	12	(	(	PUNCT
issue-856	87	13	fintech	fintech	NOUN
issue-856	87	14	)	)	PUNCT
issue-856	87	15	is	be	AUX
issue-856	87	16	a	a	DET
issue-856	87	17	relatively	relatively	ADV
issue-856	87	18	new	new	ADJ
issue-856	87	19	industry	industry	NOUN
issue-856	87	20	.	.	PUNCT
issue-856	88	1	according	accord	VERB
issue-856	88	2	to	to	ADP
issue-856	88	3	vari	vari	ADJ
issue-856	88	4	-	-	PUNCT
issue-856	88	5	ous	ous	ADJ
issue-856	88	6	estimates	estimate	NOUN
issue-856	88	7	,	,	PUNCT
issue-856	88	8	there	there	PRON
issue-856	88	9	are	be	VERB
issue-856	88	10	more	more	ADJ
issue-856	88	11	than	than	ADP
issue-856	88	12	20	20	NUM
issue-856	88	13	000	000	NUM
issue-856	88	14	fintech	fintech	NOUN
issue-856	88	15	startups	startup	NOUN
issue-856	88	16	in	in	ADP
issue-856	88	17	the	the	DET
issue-856	88	18	world	world	NOUN
issue-856	88	19	,	,	PUNCT
issue-856	88	20	40	40	NUM
issue-856	88	21	%	%	NOUN
issue-856	88	22	of	of	ADP
issue-856	88	23	which	which	PRON
issue-856	88	24	appeared	appear	VERB
issue-856	88	25	in	in	ADP
issue-856	88	26	2019	2019	NUM
issue-856	88	27	.	.	PUNCT
issue-856	89	1	this	this	DET
issue-856	89	2	area	area	NOUN
issue-856	89	3	is	be	AUX
issue-856	89	4	the	the	DET
issue-856	89	5	most	most	ADV
issue-856	89	6	dynamic	dynamic	ADJ
issue-856	89	7	in	in	ADP
issue-856	89	8	terms	term	NOUN
issue-856	89	9	of	of	ADP
issue-856	89	10	development	development	NOUN
issue-856	89	11	speed	speed	NOUN
issue-856	89	12	.	.	PUNCT
issue-856	90	1	in	in	ADP
issue-856	90	2	particular	particular	ADJ
issue-856	90	3	,	,	PUNCT
issue-856	90	4	fintech	fintech	NOUN
issue-856	90	5	investments	investment	NOUN
issue-856	90	6	amounted	amount	VERB
issue-856	90	7	to	to	ADP
issue-856	90	8	111	111	NUM
issue-856	90	9	billion	billion	NUM
issue-856	90	10	usd	usd	NOUN
issue-856	90	11	in	in	ADP
issue-856	90	12	2019	2019	NUM
issue-856	90	13	(	(	PUNCT
issue-856	90	14	statista	statista	NOUN
issue-856	90	15	,	,	PUNCT
issue-856	90	16	2020	2020	NUM
issue-856	90	17	)	)	PUNCT
issue-856	90	18	.	.	PUNCT
issue-856	91	1	the	the	DET
issue-856	91	2	increasing	increase	VERB
issue-856	91	3	popularity	popularity	NOUN
issue-856	91	4	of	of	ADP
issue-856	91	5	financial	financial	ADJ
issue-856	91	6	technologies	technology	NOUN
issue-856	91	7	and	and	CCONJ
issue-856	91	8	the	the	DET
issue-856	91	9	number	number	NOUN
issue-856	91	10	of	of	ADP
issue-856	91	11	fintech	fintech	NOUN
issue-856	91	12	startups	startup	NOUN
issue-856	91	13	are	be	AUX
issue-856	91	14	due	due	ADJ
issue-856	91	15	to	to	ADP
issue-856	91	16	the	the	DET
issue-856	91	17	fact	fact	NOUN
issue-856	91	18	that	that	SCONJ
issue-856	91	19	they	they	PRON
issue-856	91	20	are	be	AUX
issue-856	91	21	a	a	DET
issue-856	91	22	cheaper	cheap	ADJ
issue-856	91	23	alternative	alternative	NOUN
issue-856	91	24	to	to	ADP
issue-856	91	25	banks	bank	NOUN
issue-856	91	26	in	in	ADP
issue-856	91	27	the	the	DET
issue-856	91	28	financial	financial	ADJ
issue-856	91	29	market	market	NOUN
issue-856	91	30	.	.	PUNCT
issue-856	92	1	the	the	DET
issue-856	92	2	development	development	NOUN
issue-856	92	3	of	of	ADP
issue-856	92	4	financial	financial	ADJ
issue-856	92	5	technologies	technology	NOUN
issue-856	92	6	has	have	AUX
issue-856	92	7	been	be	AUX
issue-856	92	8	particularly	particularly	ADV
issue-856	92	9	noticeable	noticeable	ADJ
issue-856	92	10	over	over	ADP
issue-856	92	11	the	the	DET
issue-856	92	12	last	last	ADJ
issue-856	92	13	ten	ten	NUM
issue-856	92	14	years	year	NOUN
issue-856	92	15	.	.	PUNCT
issue-856	93	1	the	the	DET
issue-856	93	2	key	key	ADJ
issue-856	93	3	factors	factor	NOUN
issue-856	93	4	are	be	AUX
issue-856	93	5	the	the	DET
issue-856	93	6	following	follow	VERB
issue-856	93	7	:	:	PUNCT
issue-856	93	8	–	–	PUNCT
issue-856	93	9	the	the	DET
issue-856	93	10	loss	loss	NOUN
issue-856	93	11	of	of	ADP
issue-856	93	12	customer	customer	NOUN
issue-856	93	13	confidence	confidence	NOUN
issue-856	93	14	in	in	ADP
issue-856	93	15	the	the	DET
issue-856	93	16	traditional	traditional	ADJ
issue-856	93	17	banking	banking	NOUN
issue-856	93	18	sector	sector	NOUN
issue-856	93	19	during	during	ADP
issue-856	93	20	the	the	DET
issue-856	93	21	global	global	ADJ
issue-856	93	22	financial	financial	ADJ
issue-856	93	23	crisis	crisis	NOUN
issue-856	93	24	of	of	ADP
issue-856	93	25	20082009	20082009	NUM
issue-856	93	26	;	;	PUNCT
issue-856	93	27	–	–	PUNCT
issue-856	93	28	the	the	DET
issue-856	93	29	growing	grow	VERB
issue-856	93	30	expectations	expectation	NOUN
issue-856	93	31	of	of	ADP
issue-856	93	32	society	society	NOUN
issue-856	93	33	for	for	ADP
issue-856	93	34	the	the	DET
issue-856	93	35	provided	provide	VERB
issue-856	93	36	services	service	NOUN
issue-856	93	37	,	,	PUNCT
issue-856	93	38	including	include	VERB
issue-856	93	39	financial	financial	ADJ
issue-856	93	40	ones	one	NOUN
issue-856	93	41	.	.	PUNCT
issue-856	94	1	nowadays	nowadays	ADV
issue-856	94	2	consumers	consumer	NOUN
issue-856	94	3	are	be	AUX
issue-856	94	4	focused	focus	VERB
issue-856	94	5	on	on	ADP
issue-856	94	6	continuous	continuous	ADJ
issue-856	94	7	updating	updating	NOUN
issue-856	94	8	and	and	CCONJ
issue-856	94	9	speeding	speed	VERB
issue-856	94	10	up	up	ADP
issue-856	94	11	of	of	ADP
issue-856	94	12	processes	process	NOUN
issue-856	94	13	,	,	PUNCT
issue-856	94	14	higher	high	ADJ
issue-856	94	15	availability	availability	NOUN
issue-856	94	16	of	of	ADP
issue-856	94	17	technology	technology	NOUN
issue-856	94	18	and	and	CCONJ
issue-856	94	19	convenience	convenience	NOUN
issue-856	94	20	of	of	ADP
issue-856	94	21	services	service	NOUN
issue-856	94	22	;	;	PUNCT
issue-856	94	23	–	–	PUNCT
issue-856	94	24	the	the	DET
issue-856	94	25	spread	spread	NOUN
issue-856	94	26	of	of	ADP
issue-856	94	27	mobile	mobile	ADJ
issue-856	94	28	internet	internet	NOUN
issue-856	94	29	and	and	CCONJ
issue-856	94	30	social	social	ADJ
issue-856	94	31	networks	network	NOUN
issue-856	94	32	.	.	PUNCT
issue-856	95	1	this	this	PRON
issue-856	95	2	leads	lead	VERB
issue-856	95	3	to	to	ADP
issue-856	95	4	the	the	DET
issue-856	95	5	fact	fact	NOUN
issue-856	95	6	that	that	SCONJ
issue-856	95	7	the	the	DET
issue-856	95	8	focus	focus	NOUN
issue-856	95	9	of	of	ADP
issue-856	95	10	the	the	DET
issue-856	95	11	strategy	strategy	NOUN
issue-856	95	12	of	of	ADP
issue-856	95	13	attracting	attract	VERB
issue-856	95	14	bank	bank	NOUN
issue-856	95	15	customers	customer	NOUN
issue-856	95	16	is	be	AUX
issue-856	95	17	shifting	shift	VERB
issue-856	95	18	from	from	ADP
issue-856	95	19	the	the	DET
issue-856	95	20	expansion	expansion	NOUN
issue-856	95	21	of	of	ADP
issue-856	95	22	the	the	DET
issue-856	95	23	branch	branch	NOUN
issue-856	95	24	network	network	NOUN
issue-856	95	25	to	to	ADP
issue-856	95	26	the	the	DET
issue-856	95	27	creation	creation	NOUN
issue-856	95	28	of	of	ADP
issue-856	95	29	online	online	ADJ
issue-856	95	30	services	service	NOUN
issue-856	95	31	;	;	PUNCT
issue-856	95	32	–	–	PUNCT
issue-856	95	33	the	the	DET
issue-856	95	34	desire	desire	NOUN
issue-856	95	35	for	for	ADP
issue-856	95	36	innovations	innovation	NOUN
issue-856	95	37	,	,	PUNCT
issue-856	95	38	the	the	DET
issue-856	95	39	increased	increase	VERB
issue-856	95	40	requirements	requirement	NOUN
issue-856	95	41	for	for	ADP
issue-856	95	42	the	the	DET
issue-856	95	43	ease	ease	NOUN
issue-856	95	44	of	of	ADP
issue-856	95	45	use	use	NOUN
issue-856	95	46	of	of	ADP
issue-856	95	47	services	service	NOUN
issue-856	95	48	,	,	PUNCT
issue-856	95	49	the	the	DET
issue-856	95	50	quality	quality	NOUN
issue-856	95	51	and	and	CCONJ
issue-856	95	52	speed	speed	NOUN
issue-856	95	53	of	of	ADP
issue-856	95	54	information	information	NOUN
issue-856	95	55	acquisition	acquisition	NOUN
issue-856	95	56	which	which	PRON
issue-856	95	57	are	be	AUX
issue-856	95	58	the	the	DET
issue-856	95	59	features	feature	NOUN
issue-856	95	60	of	of	ADP
issue-856	95	61	the	the	DET
issue-856	95	62	largest	large	ADJ
issue-856	95	63	generation	generation	NOUN
issue-856	95	64	–	–	PUNCT
issue-856	95	65	the	the	DET
issue-856	95	66	millennials	millennial	NOUN
issue-856	95	67	(	(	PUNCT
issue-856	95	68	born	bear	VERB
issue-856	95	69	between	between	ADP
issue-856	95	70	1980	1980	NUM
issue-856	95	71	and	and	CCONJ
issue-856	95	72	2000	2000	NUM
issue-856	95	73	)	)	PUNCT
issue-856	95	74	;	;	PUNCT
issue-856	95	75	–	–	PUNCT
issue-856	95	76	the	the	DET
issue-856	95	77	success	success	NOUN
issue-856	95	78	of	of	ADP
issue-856	95	79	technology	technology	NOUN
issue-856	95	80	companies	company	NOUN
issue-856	95	81	in	in	ADP
issue-856	95	82	other	other	ADJ
issue-856	95	83	sectors	sector	NOUN
issue-856	95	84	of	of	ADP
issue-856	95	85	the	the	DET
issue-856	95	86	economy	economy	NOUN
issue-856	95	87	(	(	PUNCT
issue-856	95	88	trade	trade	NOUN
issue-856	95	89	in	in	ADP
issue-856	95	90	goods	good	NOUN
issue-856	95	91	,	,	PUNCT
issue-856	95	92	entertainment	entertainment	NOUN
issue-856	95	93	industry	industry	NOUN
issue-856	95	94	,	,	PUNCT
issue-856	95	95	etc	etc	X
issue-856	95	96	.	.	X
issue-856	95	97	)	)	PUNCT
issue-856	95	98	.	.	PUNCT
issue-856	96	1	the	the	DET
issue-856	96	2	first	first	ADJ
issue-856	96	3	stage	stage	NOUN
issue-856	96	4	in	in	ADP
issue-856	96	5	the	the	DET
issue-856	96	6	evolution	evolution	NOUN
issue-856	96	7	of	of	ADP
issue-856	96	8	the	the	DET
issue-856	96	9	fintech	fintech	NOUN
issue-856	96	10	-	-	PUNCT
issue-856	96	11	industry	industry	NOUN
issue-856	96	12	is	be	AUX
issue-856	96	13	closely	closely	ADV
issue-856	96	14	related	relate	VERB
issue-856	96	15	to	to	ADP
issue-856	96	16	the	the	DET
issue-856	96	17	development	development	NOUN
issue-856	96	18	of	of	ADP
issue-856	96	19	infrastructure	infrastructure	NOUN
issue-856	96	20	and	and	CCONJ
issue-856	96	21	the	the	DET
issue-856	96	22	emergence	emergence	NOUN
issue-856	96	23	of	of	ADP
issue-856	96	24	the	the	DET
issue-856	96	25	first	first	ADJ
issue-856	96	26	technological	technological	ADJ
issue-856	96	27	solutions	solution	NOUN
issue-856	96	28	.	.	PUNCT
issue-856	97	1	at	at	ADP
issue-856	97	2	the	the	DET
issue-856	97	3	beginning	beginning	NOUN
issue-856	97	4	of	of	ADP
issue-856	97	5	its	its	PRON
issue-856	97	6	history	history	NOUN
issue-856	97	7	,	,	PUNCT
issue-856	97	8	this	this	DET
issue-856	97	9	field	field	NOUN
issue-856	97	10	remained	remain	VERB
issue-856	97	11	analogous	analogous	ADJ
issue-856	97	12	for	for	ADP
issue-856	97	13	a	a	DET
issue-856	97	14	long	long	ADJ
issue-856	97	15	time	time	NOUN
issue-856	97	16	.	.	PUNCT
issue-856	98	1	it	it	PRON
issue-856	98	2	means	mean	VERB
issue-856	98	3	that	that	SCONJ
issue-856	98	4	all	all	DET
issue-856	98	5	transceivers	transceiver	NOUN
issue-856	98	6	used	use	VERB
issue-856	98	7	signals	signal	NOUN
issue-856	98	8	that	that	PRON
issue-856	98	9	could	could	AUX
issue-856	98	10	be	be	AUX
issue-856	98	11	transmitted	transmit	VERB
issue-856	98	12	by	by	ADP
issue-856	98	13	cable	cable	NOUN
issue-856	98	14	or	or	CCONJ
issue-856	98	15	radio	radio	NOUN
issue-856	98	16	.	.	PUNCT
issue-856	99	1	therefore	therefore	ADV
issue-856	99	2	,	,	PUNCT
issue-856	99	3	this	this	DET
issue-856	99	4	period	period	NOUN
issue-856	99	5	is	be	AUX
issue-856	99	6	associated	associate	VERB
issue-856	99	7	with	with	ADP
issue-856	99	8	the	the	DET
issue-856	99	9	creation	creation	NOUN
issue-856	99	10	of	of	ADP
issue-856	99	11	the	the	DET
issue-856	99	12	telegraph	telegraph	NOUN
issue-856	99	13	in	in	ADP
issue-856	99	14	1816	1816	NUM
issue-856	99	15	,	,	PUNCT
issue-856	99	16	which	which	PRON
issue-856	99	17	allowed	allow	VERB
issue-856	99	18	the	the	DET
issue-856	99	19	transmission	transmission	NOUN
issue-856	99	20	of	of	ADP
issue-856	99	21	text	text	NOUN
issue-856	99	22	information	information	NOUN
issue-856	99	23	over	over	ADP
issue-856	99	24	a	a	DET
issue-856	99	25	considerable	considerable	ADJ
issue-856	99	26	distance	distance	NOUN
issue-856	99	27	and	and	CCONJ
issue-856	99	28	defined	define	VERB
issue-856	99	29	the	the	DET
issue-856	99	30	whole	whole	ADJ
issue-856	99	31	era	era	NOUN
issue-856	99	32	of	of	ADP
issue-856	99	33	financial	financial	ADJ
issue-856	99	34	technology	technology	NOUN
issue-856	99	35	.	.	PUNCT
issue-856	100	1	one	one	NUM
issue-856	100	2	of	of	ADP
issue-856	100	3	the	the	DET
issue-856	100	4	first	first	ADJ
issue-856	100	5	users	user	NOUN
issue-856	100	6	to	to	PART
issue-856	100	7	introduce	introduce	VERB
issue-856	100	8	such	such	ADJ
issue-856	100	9	communications	communication	NOUN
issue-856	100	10	were	be	AUX
issue-856	100	11	the	the	DET
issue-856	100	12	brokerage	brokerage	NOUN
issue-856	100	13	offices	office	NOUN
issue-856	100	14	,	,	PUNCT
issue-856	100	15	which	which	PRON
issue-856	100	16	made	make	VERB
issue-856	100	17	it	it	PRON
issue-856	100	18	possible	possible	ADJ
issue-856	100	19	to	to	PART
issue-856	100	20	accelerate	accelerate	VERB
issue-856	100	21	the	the	DET
issue-856	100	22	transfer	transfer	NOUN
issue-856	100	23	of	of	ADP
issue-856	100	24	data	datum	NOUN
issue-856	100	25	between	between	ADP
issue-856	100	26	commodity	commodity	NOUN
issue-856	100	27	and	and	CCONJ
issue-856	100	28	stock	stock	NOUN
issue-856	100	29	exchanges	exchange	NOUN
issue-856	100	30	in	in	ADP
issue-856	100	31	different	different	ADJ
issue-856	100	32	cities	city	NOUN
issue-856	100	33	and	and	CCONJ
issue-856	100	34	to	to	PART
issue-856	100	35	increase	increase	VERB
issue-856	100	36	the	the	DET
issue-856	100	37	liquidity	liquidity	NOUN
issue-856	100	38	of	of	ADP
issue-856	100	39	trading	trading	NOUN
issue-856	100	40	(	(	PUNCT
issue-856	100	41	ferderer	ferderer	NOUN
issue-856	100	42	,	,	PUNCT
issue-856	100	43	2008	2008	NUM
issue-856	100	44	)	)	PUNCT
issue-856	100	45	.	.	PUNCT
issue-856	101	1	the	the	DET
issue-856	101	2	next	next	ADJ
issue-856	101	3	stage	stage	NOUN
issue-856	101	4	is	be	AUX
issue-856	101	5	characterized	characterize	VERB
issue-856	101	6	by	by	ADP
issue-856	101	7	the	the	DET
issue-856	101	8	creation	creation	NOUN
issue-856	101	9	and	and	CCONJ
issue-856	101	10	implementation	implementation	NOUN
issue-856	101	11	of	of	ADP
issue-856	101	12	the	the	DET
issue-856	101	13	first	first	ADJ
issue-856	101	14	computers	computer	NOUN
issue-856	101	15	.	.	PUNCT
issue-856	102	1	in	in	ADP
issue-856	102	2	the	the	DET
issue-856	102	3	late	late	ADJ
issue-856	102	4	1960s	1960	NOUN
issue-856	102	5	,	,	PUNCT
issue-856	102	6	the	the	DET
issue-856	102	7	development	development	NOUN
issue-856	102	8	of	of	ADP
issue-856	102	9	computer	computer	NOUN
issue-856	102	10	technology	technology	NOUN
issue-856	102	11	gave	give	VERB
issue-856	102	12	an	an	DET
issue-856	102	13	impetus	impetus	NOUN
issue-856	102	14	to	to	ADP
issue-856	102	15	the	the	DET
issue-856	102	16	transformation	transformation	NOUN
issue-856	102	17	of	of	ADP
issue-856	102	18	the	the	DET
issue-856	102	19	financial	financial	ADJ
issue-856	102	20	sector	sector	NOUN
issue-856	102	21	from	from	ADP
issue-856	102	22	analogue	analogue	NOUN
issue-856	102	23	to	to	ADP
issue-856	102	24	digital	digital	ADJ
issue-856	102	25	industry	industry	NOUN
issue-856	102	26	.	.	PUNCT
issue-856	103	1	in	in	ADP
issue-856	103	2	particular	particular	ADJ
issue-856	103	3	,	,	PUNCT
issue-856	103	4	the	the	DET
issue-856	103	5	first	first	ADJ
issue-856	103	6	electronic	electronic	ADJ
issue-856	103	7	payment	payment	NOUN
issue-856	103	8	systems	system	NOUN
issue-856	103	9	appeared	appear	VERB
issue-856	103	10	,	,	PUNCT
issue-856	103	11	and	and	CCONJ
issue-856	103	12	the	the	DET
issue-856	103	13	rapid	rapid	ADJ
issue-856	103	14	growth	growth	NOUN
issue-856	103	15	in	in	ADP
issue-856	103	16	the	the	DET
issue-856	103	17	volume	volume	NOUN
issue-856	103	18	of	of	ADP
issue-856	103	19	financial	financial	ADJ
issue-856	103	20	transactions	transaction	NOUN
issue-856	103	21	between	between	ADP
issue-856	103	22	counterparties	counterpartie	NOUN
issue-856	103	23	of	of	ADP
issue-856	103	24	different	different	ADJ
issue-856	103	25	countries	country	NOUN
issue-856	103	26	became	become	VERB
issue-856	103	27	the	the	DET
issue-856	103	28	driver	driver	NOUN
issue-856	103	29	of	of	ADP
issue-856	103	30	the	the	DET
issue-856	103	31	creation	creation	NOUN
issue-856	103	32	of	of	ADP
issue-856	103	33	a	a	DET
issue-856	103	34	society	society	NOUN
issue-856	103	35	for	for	ADP
issue-856	103	36	worldwide	worldwide	ADJ
issue-856	103	37	interbank	interbank	NOUN
issue-856	103	38	financial	financial	ADJ
issue-856	103	39	telecommunications	telecommunication	NOUN
issue-856	103	40	(	(	PUNCT
issue-856	103	41	swift	swift	ADJ
issue-856	103	42	)	)	PUNCT
issue-856	103	43	.	.	PUNCT
issue-856	104	1	in	in	ADP
issue-856	104	2	1967	1967	NUM
issue-856	104	3	,	,	PUNCT
issue-856	104	4	the	the	DET
issue-856	104	5	british	british	PROPN
issue-856	104	6	bank	bank	PROPN
issue-856	104	7	barclays	barclays	PROPN
issue-856	104	8	established	establish	VERB
issue-856	104	9	the	the	DET
issue-856	104	10	first	first	ADJ
issue-856	104	11	atm	atm	NOUN
issue-856	104	12	to	to	PART
issue-856	104	13	provide	provide	VERB
issue-856	104	14	access	access	NOUN
issue-856	104	15	to	to	ADP
issue-856	104	16	liquidity	liquidity	NOUN
issue-856	104	17	during	during	ADP
issue-856	104	18	off	off	ADP
issue-856	104	19	-	-	PUNCT
issue-856	104	20	hours	hour	NOUN
issue-856	104	21	.	.	PUNCT
issue-856	105	1	with	with	ADP
issue-856	105	2	the	the	DET
issue-856	105	3	development	development	NOUN
issue-856	105	4	of	of	ADP
issue-856	105	5	the	the	DET
issue-856	105	6	internet	internet	NOUN
issue-856	105	7	technologies	technology	NOUN
issue-856	105	8	in	in	ADP
issue-856	105	9	the	the	DET
issue-856	105	10	early	early	ADJ
issue-856	105	11	1990s	1990	NOUN
issue-856	105	12	,	,	PUNCT
issue-856	105	13	many	many	ADJ
issue-856	105	14	large	large	ADJ
issue-856	105	15	financial	financial	ADJ
issue-856	105	16	institutions	institution	NOUN
issue-856	105	17	began	begin	VERB
issue-856	105	18	to	to	PART
issue-856	105	19	advertise	advertise	VERB
issue-856	105	20	their	their	PRON
issue-856	105	21	products	product	NOUN
issue-856	105	22	online	online	ADV
issue-856	105	23	.	.	PUNCT
issue-856	106	1	in	in	ADP
issue-856	106	2	1995	1995	NUM
issue-856	106	3	,	,	PUNCT
issue-856	106	4	an	an	DET
issue-856	106	5	american	american	ADJ
issue-856	106	6	multinational	multinational	ADJ
issue-856	106	7	financial	financial	ADJ
issue-856	106	8	services	service	NOUN
issue-856	106	9	company	company	PROPN
issue-856	106	10	wells	wells	PROPN
issue-856	106	11	fargo	fargo	PROPN
issue-856	106	12	added	add	VERB
issue-856	106	13	the	the	DET
issue-856	106	14	ability	ability	NOUN
issue-856	106	15	to	to	PART
issue-856	106	16	manage	manage	VERB
issue-856	106	17	and	and	CCONJ
issue-856	106	18	order	order	VERB
issue-856	106	19	online	online	ADJ
issue-856	106	20	banking	banking	NOUN
issue-856	106	21	services	service	NOUN
issue-856	106	22	to	to	ADP
issue-856	106	23	its	its	PRON
issue-856	106	24	site	site	NOUN
issue-856	106	25	.	.	PUNCT
issue-856	107	1	later	later	ADV
issue-856	107	2	its	its	PRON
issue-856	107	3	example	example	NOUN
issue-856	107	4	was	be	AUX
issue-856	107	5	followed	follow	VERB
issue-856	107	6	by	by	ADP
issue-856	107	7	other	other	ADJ
issue-856	107	8	financial	financial	ADJ
issue-856	107	9	intermediaries	intermediary	NOUN
issue-856	107	10	(	(	PUNCT
issue-856	107	11	trunin	trunin	PROPN
issue-856	107	12	et	et	PROPN
issue-856	107	13	al	al	PROPN
issue-856	107	14	.	.	PROPN
issue-856	107	15	,	,	PUNCT
issue-856	107	16	2019	2019	NUM
issue-856	107	17	)	)	PUNCT
issue-856	107	18	.	.	PUNCT
issue-856	108	1	the	the	DET
issue-856	108	2	beginning	beginning	NOUN
issue-856	108	3	of	of	ADP
issue-856	108	4	the	the	DET
issue-856	108	5	new	new	ADJ
issue-856	108	6	millennium	millennium	NOUN
issue-856	108	7	(	(	PUNCT
issue-856	108	8	2000	2000	NUM
issue-856	108	9	-	-	SYM
issue-856	108	10	2010	2010	NUM
issue-856	108	11	)	)	PUNCT
issue-856	108	12	can	can	AUX
issue-856	108	13	be	be	AUX
issue-856	108	14	characterized	characterize	VERB
issue-856	108	15	as	as	ADP
issue-856	108	16	the	the	DET
issue-856	108	17	next	next	ADJ
issue-856	108	18	stage	stage	NOUN
issue-856	108	19	in	in	ADP
issue-856	108	20	the	the	DET
issue-856	108	21	evolution	evolution	NOUN
issue-856	108	22	of	of	ADP
issue-856	108	23	financial	financial	ADJ
issue-856	108	24	technologies	technology	NOUN
issue-856	108	25	.	.	PUNCT
issue-856	109	1	the	the	DET
issue-856	109	2	starting	starting	NOUN
issue-856	109	3	point	point	NOUN
issue-856	109	4	of	of	ADP
issue-856	109	5	a	a	DET
issue-856	109	6	new	new	ADJ
issue-856	109	7	era	era	NOUN
issue-856	109	8	of	of	ADP
issue-856	109	9	development	development	NOUN
issue-856	109	10	were	be	AUX
issue-856	109	11	two	two	NUM
issue-856	109	12	crises	crisis	NOUN
issue-856	109	13	at	at	ADP
issue-856	109	14	the	the	DET
issue-856	109	15	beginning	beginning	NOUN
issue-856	109	16	of	of	ADP
issue-856	109	17	the	the	DET
issue-856	109	18	21st	21st	ADJ
issue-856	109	19	century	century	NOUN
issue-856	109	20	:	:	PUNCT
issue-856	109	21	the	the	DET
issue-856	109	22	crisis	crisis	NOUN
issue-856	109	23	of	of	ADP
issue-856	109	24	the	the	DET
issue-856	109	25	dotcoms	dotcom	NOUN
issue-856	109	26	(	(	PUNCT
issue-856	109	27	the	the	DET
issue-856	109	28	companies	company	NOUN
issue-856	109	29	whose	whose	DET
issue-856	109	30	business	business	NOUN
issue-856	109	31	models	model	NOUN
issue-856	109	32	are	be	AUX
issue-856	109	33	fully	fully	ADV
issue-856	109	34	based	base	VERB
issue-856	109	35	on	on	ADP
issue-856	109	36	the	the	DET
issue-856	109	37	internet	internet	NOUN
issue-856	109	38	)	)	PUNCT
issue-856	109	39	,	,	PUNCT
issue-856	109	40	and	and	CCONJ
issue-856	109	41	the	the	DET
issue-856	109	42	global	global	ADJ
issue-856	109	43	financial	financial	ADJ
issue-856	109	44	crisis	crisis	NOUN
issue-856	109	45	of	of	ADP
issue-856	109	46	2008	2008	NUM
issue-856	109	47	-	-	SYM
issue-856	109	48	2009	2009	NUM
issue-856	109	49	.	.	PUNCT
issue-856	110	1	the	the	DET
issue-856	110	2	latter	latter	ADJ
issue-856	110	3	,	,	PUNCT
issue-856	110	4	in	in	ADP
issue-856	110	5	particular	particular	ADJ
issue-856	110	6	,	,	PUNCT
issue-856	110	7	has	have	AUX
issue-856	110	8	undermined	undermine	VERB
issue-856	110	9	the	the	DET
issue-856	110	10	credibility	credibility	NOUN
issue-856	110	11	of	of	ADP
issue-856	110	12	traditional	traditional	ADJ
issue-856	110	13	financial	financial	ADJ
issue-856	110	14	institutions	institution	NOUN
issue-856	110	15	,	,	PUNCT
issue-856	110	16	which	which	PRON
issue-856	110	17	suffered	suffer	VERB
issue-856	110	18	severe	severe	ADJ
issue-856	110	19	restrictive	restrictive	ADJ
issue-856	110	20	measures	measure	NOUN
issue-856	110	21	by	by	ADP
issue-856	110	22	regulators	regulator	NOUN
issue-856	110	23	.	.	PUNCT
issue-856	111	1	this	this	PRON
issue-856	111	2	was	be	AUX
issue-856	111	3	the	the	DET
issue-856	111	4	beginning	beginning	NOUN
issue-856	111	5	of	of	ADP
issue-856	111	6	a	a	DET
issue-856	111	7	new	new	ADJ
issue-856	111	8	stage	stage	NOUN
issue-856	111	9	in	in	ADP
issue-856	111	10	the	the	DET
issue-856	111	11	development	development	NOUN
issue-856	111	12	of	of	ADP
issue-856	111	13	financial	financial	ADJ
issue-856	111	14	technologies	technology	NOUN
issue-856	111	15	,	,	PUNCT
issue-856	111	16	characterized	characterize	VERB
issue-856	111	17	by	by	ADP
issue-856	111	18	the	the	DET
issue-856	111	19	emergence	emergence	NOUN
issue-856	111	20	of	of	ADP
issue-856	111	21	a	a	DET
issue-856	111	22	significant	significant	ADJ
issue-856	111	23	number	number	NOUN
issue-856	111	24	of	of	ADP
issue-856	111	25	startup	startup	NOUN
issue-856	111	26	companies	company	NOUN
issue-856	111	27	(	(	PUNCT
issue-856	111	28	arner	arner	NOUN
issue-856	111	29	et	et	PROPN
issue-856	111	30	al	al	PROPN
issue-856	111	31	.	.	PROPN
issue-856	111	32	,	,	PUNCT
issue-856	111	33	2015	2015	NUM
issue-856	111	34	)	)	PUNCT
issue-856	111	35	.	.	PUNCT
issue-856	112	1	the	the	DET
issue-856	112	2	fourth	fourth	ADJ
issue-856	112	3	stage	stage	NOUN
issue-856	112	4	of	of	ADP
issue-856	112	5	the	the	DET
issue-856	112	6	development	development	NOUN
issue-856	112	7	of	of	ADP
issue-856	112	8	the	the	DET
issue-856	112	9	fintech	fintech	NOUN
issue-856	112	10	industry	industry	NOUN
issue-856	112	11	was	be	AUX
issue-856	112	12	in	in	ADP
issue-856	112	13	the	the	DET
issue-856	112	14	last	last	ADJ
issue-856	112	15	decade	decade	NOUN
issue-856	112	16	:	:	PUNCT
issue-856	112	17	2010	2010	NUM
issue-856	112	18	-	-	SYM
issue-856	112	19	2020	2020	NUM
issue-856	112	20	.	.	PUNCT
issue-856	113	1	for	for	ADP
issue-856	113	2	this	this	DET
issue-856	113	3	period	period	NOUN
issue-856	113	4	,	,	PUNCT
issue-856	113	5	it	it	PRON
issue-856	113	6	was	be	AUX
issue-856	113	7	typical	typical	ADJ
issue-856	113	8	to	to	PART
issue-856	113	9	provide	provide	VERB
issue-856	113	10	financial	financial	ADJ
issue-856	113	11	products	product	NOUN
issue-856	113	12	and	and	CCONJ
issue-856	113	13	services	service	NOUN
issue-856	113	14	to	to	ADP
issue-856	113	15	individuals	individual	NOUN
issue-856	113	16	and	and	CCONJ
issue-856	113	17	legal	legal	ADJ
issue-856	113	18	entities	entity	NOUN
issue-856	113	19	directly	directly	ADV
issue-856	113	20	by	by	ADP
issue-856	113	21	startups	startup	NOUN
issue-856	113	22	.	.	PUNCT
issue-856	114	1	the	the	DET
issue-856	114	2	introduction	introduction	NOUN
issue-856	114	3	of	of	ADP
issue-856	114	4	innovative	innovative	ADJ
issue-856	114	5	financial	financial	ADJ
issue-856	114	6	technologies	technology	NOUN
issue-856	114	7	led	lead	VERB
issue-856	114	8	to	to	ADP
issue-856	114	9	the	the	DET
issue-856	114	10	formation	formation	NOUN
issue-856	114	11	of	of	ADP
issue-856	114	12	a	a	DET
issue-856	114	13	fundamentally	fundamentally	ADV
issue-856	114	14	new	new	ADJ
issue-856	114	15	model	model	NOUN
issue-856	114	16	of	of	ADP
issue-856	114	17	banking	banking	NOUN
issue-856	114	18	business	business	NOUN
issue-856	114	19	,	,	PUNCT
issue-856	114	20	which	which	PRON
issue-856	114	21	is	be	AUX
issue-856	114	22	accompanied	accompany	VERB
issue-856	114	23	by	by	ADP
issue-856	114	24	intensification	intensification	NOUN
issue-856	114	25	of	of	ADP
issue-856	114	26	the	the	DET
issue-856	114	27	processes	process	NOUN
issue-856	114	28	of	of	ADP
issue-856	114	29	replacement	replacement	NOUN
issue-856	114	30	of	of	ADP
issue-856	114	31	banking	banking	NOUN
issue-856	114	32	offices	office	NOUN
issue-856	114	33	by	by	ADP
issue-856	114	34	computer	computer	NOUN
issue-856	114	35	programs	program	NOUN
issue-856	114	36	.	.	PUNCT
issue-856	115	1	during	during	ADP
issue-856	115	2	this	this	DET
issue-856	115	3	period	period	NOUN
issue-856	115	4	,	,	PUNCT
issue-856	115	5	bank	bank	NOUN
issue-856	115	6	-	-	PUNCT
issue-856	115	7	funded	fund	VERB
issue-856	115	8	innovation	innovation	NOUN
issue-856	115	9	centers	center	NOUN
issue-856	115	10	began	begin	VERB
issue-856	115	11	to	to	PART
issue-856	115	12	emerge	emerge	VERB
issue-856	115	13	.	.	PUNCT
issue-856	116	1	gradually	gradually	ADV
issue-856	116	2	,	,	PUNCT
issue-856	116	3	the	the	DET
issue-856	116	4	fintech	fintech	NOUN
issue-856	116	5	products	product	NOUN
issue-856	116	6	began	begin	VERB
issue-856	116	7	to	to	PART
issue-856	116	8	move	move	VERB
issue-856	116	9	from	from	ADP
issue-856	116	10	a	a	DET
issue-856	116	11	category	category	NOUN
issue-856	116	12	of	of	ADP
issue-856	116	13	products	product	NOUN
issue-856	116	14	focused	focus	VERB
issue-856	116	15	on	on	ADP
issue-856	116	16	a	a	DET
issue-856	116	17	narrow	narrow	ADJ
issue-856	116	18	baltic	baltic	ADJ
issue-856	116	19	journal	journal	NOUN
issue-856	116	20	of	of	ADP
issue-856	116	21	economic	economic	ADJ
issue-856	116	22	studies	study	NOUN
issue-856	116	23	50	50	NUM
issue-856	116	24	vol	vol	NOUN
issue-856	116	25	.	.	PROPN
issue-856	117	1	6	6	NUM
issue-856	117	2	,	,	PUNCT
issue-856	117	3	no	no	INTJ
issue-856	117	4	.	.	NOUN
issue-856	117	5	4	4	NUM
issue-856	117	6	,	,	PUNCT
issue-856	117	7	2020	2020	NUM
issue-856	117	8	circle	circle	NOUN
issue-856	117	9	of	of	ADP
issue-856	117	10	technologically	technologically	ADV
issue-856	117	11	competent	competent	ADJ
issue-856	117	12	customers	customer	NOUN
issue-856	117	13	to	to	ADP
issue-856	117	14	society	society	NOUN
issue-856	117	15	as	as	ADP
issue-856	117	16	a	a	DET
issue-856	117	17	whole	whole	NOUN
issue-856	117	18	.	.	PUNCT
issue-856	118	1	in	in	ADP
issue-856	118	2	the	the	DET
issue-856	118	3	future	future	NOUN
issue-856	118	4	,	,	PUNCT
issue-856	118	5	the	the	DET
issue-856	118	6	fintech	fintech	NOUN
issue-856	118	7	industry	industry	NOUN
issue-856	118	8	will	will	AUX
issue-856	118	9	have	have	VERB
issue-856	118	10	two	two	NUM
issue-856	118	11	more	more	ADJ
issue-856	118	12	stages	stage	NOUN
issue-856	118	13	:	:	PUNCT
issue-856	118	14	partnership	partnership	NOUN
issue-856	118	15	with	with	ADP
issue-856	118	16	the	the	DET
issue-856	118	17	credit	credit	NOUN
issue-856	118	18	system	system	NOUN
issue-856	118	19	and	and	CCONJ
issue-856	118	20	integration	integration	NOUN
issue-856	118	21	.	.	PUNCT
issue-856	119	1	in	in	ADP
issue-856	119	2	the	the	DET
issue-856	119	3	coming	coming	ADJ
issue-856	119	4	years	year	NOUN
issue-856	119	5	,	,	PUNCT
issue-856	119	6	there	there	PRON
issue-856	119	7	will	will	AUX
issue-856	119	8	be	be	AUX
issue-856	119	9	a	a	DET
issue-856	119	10	transition	transition	NOUN
issue-856	119	11	from	from	ADP
issue-856	119	12	competition	competition	NOUN
issue-856	119	13	to	to	ADP
issue-856	119	14	partnership	partnership	NOUN
issue-856	119	15	between	between	ADP
issue-856	119	16	classic	classic	ADJ
issue-856	119	17	banking	banking	NOUN
issue-856	119	18	institutions	institution	NOUN
issue-856	119	19	and	and	CCONJ
issue-856	119	20	fintech	fintech	NOUN
issue-856	119	21	companies	company	NOUN
issue-856	119	22	.	.	PUNCT
issue-856	120	1	such	such	DET
issue-856	120	2	a	a	DET
issue-856	120	3	development	development	NOUN
issue-856	120	4	strategy	strategy	NOUN
issue-856	120	5	will	will	AUX
issue-856	120	6	allow	allow	VERB
issue-856	120	7	both	both	PRON
issue-856	120	8	of	of	ADP
issue-856	120	9	them	they	PRON
issue-856	120	10	to	to	PART
issue-856	120	11	cooperate	cooperate	VERB
issue-856	120	12	mutually	mutually	ADV
issue-856	120	13	.	.	PUNCT
issue-856	121	1	banks	bank	NOUN
issue-856	121	2	with	with	ADP
issue-856	121	3	many	many	ADJ
issue-856	121	4	years	year	NOUN
issue-856	121	5	of	of	ADP
issue-856	121	6	experience	experience	NOUN
issue-856	121	7	and	and	CCONJ
issue-856	121	8	positive	positive	ADJ
issue-856	121	9	image	image	NOUN
issue-856	121	10	enjoy	enjoy	VERB
issue-856	121	11	loyalty	loyalty	NOUN
issue-856	121	12	among	among	ADP
issue-856	121	13	customers	customer	NOUN
issue-856	121	14	,	,	PUNCT
issue-856	121	15	but	but	CCONJ
issue-856	121	16	they	they	PRON
issue-856	121	17	do	do	AUX
issue-856	121	18	not	not	PART
issue-856	121	19	always	always	ADV
issue-856	121	20	have	have	VERB
issue-856	121	21	time	time	NOUN
issue-856	121	22	to	to	PART
issue-856	121	23	implement	implement	VERB
issue-856	121	24	the	the	DET
issue-856	121	25	latest	late	ADJ
issue-856	121	26	technologies	technology	NOUN
issue-856	121	27	.	.	PUNCT
issue-856	122	1	on	on	ADP
issue-856	122	2	the	the	DET
issue-856	122	3	other	other	ADJ
issue-856	122	4	hand	hand	NOUN
issue-856	122	5	,	,	PUNCT
issue-856	122	6	fintech	fintech	NOUN
issue-856	122	7	startups	startup	NOUN
issue-856	122	8	have	have	VERB
issue-856	122	9	useful	useful	ADJ
issue-856	122	10	services	service	NOUN
issue-856	122	11	and	and	CCONJ
issue-856	122	12	products	product	NOUN
issue-856	122	13	that	that	PRON
issue-856	122	14	are	be	AUX
issue-856	122	15	difficult	difficult	ADJ
issue-856	122	16	for	for	SCONJ
issue-856	122	17	newcomers	newcomer	NOUN
issue-856	122	18	to	to	PART
issue-856	122	19	promote	promote	VERB
issue-856	122	20	in	in	ADP
issue-856	122	21	the	the	DET
issue-856	122	22	market	market	NOUN
issue-856	122	23	.	.	PUNCT
issue-856	123	1	one	one	NUM
issue-856	123	2	of	of	ADP
issue-856	123	3	the	the	DET
issue-856	123	4	major	major	ADJ
issue-856	123	5	collaboration	collaboration	NOUN
issue-856	123	6	platforms	platform	NOUN
issue-856	123	7	is	be	AUX
issue-856	123	8	open	open	ADJ
issue-856	123	9	banking	banking	NOUN
issue-856	123	10	.	.	PUNCT
issue-856	124	1	it	it	PRON
issue-856	124	2	refers	refer	VERB
issue-856	124	3	to	to	ADP
issue-856	124	4	banks	bank	NOUN
issue-856	124	5	opening	open	VERB
issue-856	124	6	up	up	ADP
issue-856	124	7	their	their	PRON
issue-856	124	8	application	application	NOUN
issue-856	124	9	programming	programming	NOUN
issue-856	124	10	interfaces	interface	NOUN
issue-856	124	11	to	to	ADP
issue-856	124	12	third	third	ADJ
issue-856	124	13	party	party	NOUN
issue-856	124	14	providers	provider	NOUN
issue-856	124	15	(	(	PUNCT
issue-856	124	16	tpps	tpps	PROPN
issue-856	124	17	)	)	PUNCT
issue-856	124	18	,	,	PUNCT
issue-856	124	19	so	so	SCONJ
issue-856	124	20	that	that	SCONJ
issue-856	124	21	the	the	DET
issue-856	124	22	tpps	tpp	NOUN
issue-856	124	23	and	and	CCONJ
issue-856	124	24	fintech	fintech	NOUN
issue-856	124	25	providers	provider	NOUN
issue-856	124	26	have	have	VERB
issue-856	124	27	access	access	NOUN
issue-856	124	28	to	to	ADP
issue-856	124	29	their	their	PRON
issue-856	124	30	data	datum	NOUN
issue-856	124	31	and	and	CCONJ
issue-856	124	32	,	,	PUNCT
issue-856	124	33	based	base	VERB
issue-856	124	34	on	on	ADP
issue-856	124	35	that	that	PRON
issue-856	124	36	,	,	PUNCT
issue-856	124	37	can	can	AUX
issue-856	124	38	build	build	VERB
issue-856	124	39	new	new	ADJ
issue-856	124	40	applications	application	NOUN
issue-856	124	41	and	and	CCONJ
issue-856	124	42	services	service	NOUN
issue-856	124	43	or	or	CCONJ
issue-856	124	44	create	create	VERB
issue-856	124	45	new	new	ADJ
issue-856	124	46	services	service	NOUN
issue-856	124	47	together	together	ADV
issue-856	124	48	with	with	ADP
issue-856	124	49	financial	financial	ADJ
issue-856	124	50	institutions	institution	NOUN
issue-856	124	51	.	.	PUNCT
issue-856	125	1	based	base	VERB
issue-856	125	2	on	on	ADP
issue-856	125	3	this	this	DET
issue-856	125	4	open	open	ADJ
issue-856	125	5	data	datum	NOUN
issue-856	125	6	,	,	PUNCT
issue-856	125	7	startups	startup	NOUN
issue-856	125	8	can	can	AUX
issue-856	125	9	create	create	VERB
issue-856	125	10	new	new	ADJ
issue-856	125	11	solutions	solution	NOUN
issue-856	125	12	for	for	ADP
issue-856	125	13	banking	banking	NOUN
issue-856	125	14	customers	customer	NOUN
issue-856	125	15	.	.	PUNCT
issue-856	126	1	the	the	DET
issue-856	126	2	final	final	ADJ
issue-856	126	3	period	period	NOUN
issue-856	126	4	–	–	PUNCT
issue-856	126	5	the	the	DET
issue-856	126	6	integration	integration	NOUN
issue-856	126	7	phase	phase	NOUN
issue-856	126	8	–	–	PUNCT
issue-856	126	9	foresees	foresee	VERB
issue-856	126	10	that	that	SCONJ
issue-856	126	11	open	open	ADJ
issue-856	126	12	marketplaces	marketplace	NOUN
issue-856	126	13	,	,	PUNCT
issue-856	126	14	api	api	NOUN
issue-856	126	15	(	(	PUNCT
issue-856	126	16	application	application	NOUN
issue-856	126	17	programming	programming	NOUN
issue-856	126	18	interface	interface	NOUN
issue-856	126	19	)	)	PUNCT
issue-856	126	20	and	and	CCONJ
issue-856	126	21	complex	complex	ADJ
issue-856	126	22	analytics	analytic	NOUN
issue-856	126	23	will	will	AUX
issue-856	126	24	emerge	emerge	VERB
issue-856	126	25	in	in	ADP
issue-856	126	26	the	the	DET
issue-856	126	27	future	future	NOUN
issue-856	126	28	.	.	PUNCT
issue-856	127	1	all	all	DET
issue-856	127	2	this	this	PRON
issue-856	127	3	will	will	AUX
issue-856	127	4	result	result	VERB
issue-856	127	5	in	in	ADP
issue-856	127	6	the	the	DET
issue-856	127	7	final	final	ADJ
issue-856	127	8	merger	merger	NOUN
issue-856	127	9	of	of	ADP
issue-856	127	10	credit	credit	NOUN
issue-856	127	11	institutions	institution	NOUN
issue-856	127	12	and	and	CCONJ
issue-856	127	13	fintech	fintech	NOUN
issue-856	127	14	com	com	NOUN
issue-856	127	15	-	-	PUNCT
issue-856	127	16	panies	panie	NOUN
issue-856	127	17	.	.	PUNCT
issue-856	128	1	4	4	X
issue-856	128	2	.	.	X
issue-856	128	3	cooperation	cooperation	NOUN
issue-856	128	4	between	between	ADP
issue-856	128	5	banks	bank	NOUN
issue-856	128	6	and	and	CCONJ
issue-856	128	7	fintech	fintech	NOUN
issue-856	128	8	companies	company	NOUN
issue-856	128	9	in	in	ADP
issue-856	128	10	this	this	DET
issue-856	128	11	context	context	NOUN
issue-856	128	12	,	,	PUNCT
issue-856	128	13	it	it	PRON
issue-856	128	14	is	be	AUX
issue-856	128	15	important	important	ADJ
issue-856	128	16	to	to	PART
issue-856	128	17	assess	assess	VERB
issue-856	128	18	the	the	DET
issue-856	128	19	development	development	NOUN
issue-856	128	20	of	of	ADP
issue-856	128	21	the	the	DET
issue-856	128	22	fintech	fintech	NOUN
issue-856	128	23	sphere	sphere	NOUN
issue-856	128	24	in	in	ADP
issue-856	128	25	ukraine	ukraine	NOUN
issue-856	128	26	,	,	PUNCT
issue-856	128	27	focusing	focus	VERB
issue-856	128	28	on	on	ADP
issue-856	128	29	cooperation	cooperation	NOUN
issue-856	128	30	and	and	CCONJ
issue-856	128	31	future	future	ADJ
issue-856	128	32	integration	integration	NOUN
issue-856	128	33	with	with	ADP
issue-856	128	34	the	the	DET
issue-856	128	35	banking	banking	NOUN
issue-856	128	36	system	system	NOUN
issue-856	128	37	.	.	PUNCT
issue-856	129	1	first	first	ADV
issue-856	129	2	of	of	ADP
issue-856	129	3	all	all	PRON
issue-856	129	4	,	,	PUNCT
issue-856	129	5	it	it	PRON
issue-856	129	6	should	should	AUX
issue-856	129	7	be	be	AUX
issue-856	129	8	noted	note	VERB
issue-856	129	9	that	that	SCONJ
issue-856	129	10	more	more	ADJ
issue-856	129	11	than	than	ADP
issue-856	129	12	70	70	NUM
issue-856	129	13	new	new	ADJ
issue-856	129	14	fintech	fintech	NOUN
issue-856	129	15	companies	company	NOUN
issue-856	129	16	have	have	AUX
issue-856	129	17	appeared	appear	VERB
issue-856	129	18	in	in	ADP
issue-856	129	19	the	the	DET
issue-856	129	20	domestic	domestic	ADJ
issue-856	129	21	market	market	NOUN
issue-856	129	22	during	during	ADP
issue-856	129	23	2019	2019	NUM
issue-856	129	24	,	,	PUNCT
issue-856	129	25	representing	represent	VERB
issue-856	129	26	almost	almost	ADV
issue-856	129	27	40	40	NUM
issue-856	129	28	%	%	NOUN
issue-856	129	29	of	of	ADP
issue-856	129	30	their	their	PRON
issue-856	129	31	total	total	NOUN
issue-856	129	32	.	.	PUNCT
issue-856	130	1	in	in	ADP
issue-856	130	2	general	general	ADJ
issue-856	130	3	,	,	PUNCT
issue-856	130	4	at	at	ADP
issue-856	130	5	the	the	DET
issue-856	130	6	beginning	beginning	NOUN
issue-856	130	7	of	of	ADP
issue-856	130	8	2020	2020	NUM
issue-856	130	9	,	,	PUNCT
issue-856	130	10	there	there	PRON
issue-856	130	11	were	be	VERB
issue-856	130	12	180	180	NUM
issue-856	130	13	entities	entity	NOUN
issue-856	130	14	in	in	ADP
issue-856	130	15	the	the	DET
issue-856	130	16	fintech	fintech	NOUN
issue-856	130	17	industry	industry	NOUN
issue-856	130	18	in	in	ADP
issue-856	130	19	ukraine	ukraine	NOUN
issue-856	130	20	that	that	PRON
issue-856	130	21	is	be	AUX
issue-856	130	22	2.5	2.5	NUM
issue-856	130	23	times	time	NOUN
issue-856	130	24	the	the	DET
issue-856	130	25	number	number	NOUN
issue-856	130	26	of	of	ADP
issue-856	130	27	existing	exist	VERB
issue-856	130	28	banks	bank	NOUN
issue-856	130	29	.	.	PUNCT
issue-856	131	1	figure	figure	VERB
issue-856	131	2	1	1	NUM
issue-856	131	3	presents	present	VERB
issue-856	131	4	the	the	DET
issue-856	131	5	survey	survey	NOUN
issue-856	131	6	results	result	NOUN
issue-856	131	7	of	of	ADP
issue-856	131	8	the	the	DET
issue-856	131	9	most	most	ADV
issue-856	131	10	technological	technological	ADJ
issue-856	131	11	banks	bank	NOUN
issue-856	131	12	in	in	ADP
issue-856	131	13	ukraine	ukraine	NOUN
issue-856	131	14	regarding	regard	VERB
issue-856	131	15	their	their	PRON
issue-856	131	16	partnership	partnership	NOUN
issue-856	131	17	with	with	ADP
issue-856	131	18	the	the	DET
issue-856	131	19	fintech	fintech	NOUN
issue-856	131	20	system	system	NOUN
issue-856	131	21	.	.	PUNCT
issue-856	132	1	among	among	ADP
issue-856	132	2	the	the	DET
issue-856	132	3	surveyed	survey	VERB
issue-856	132	4	ukrainian	ukrainian	ADJ
issue-856	132	5	banks	bank	NOUN
issue-856	132	6	,	,	PUNCT
issue-856	132	7	73	73	NUM
issue-856	132	8	%	%	NOUN
issue-856	132	9	of	of	ADP
issue-856	132	10	institutions	institution	NOUN
issue-856	132	11	have	have	VERB
issue-856	132	12	joint	joint	ADJ
issue-856	132	13	projects	project	NOUN
issue-856	132	14	with	with	ADP
issue-856	132	15	fintech	fintech	NOUN
issue-856	132	16	companies	company	NOUN
issue-856	132	17	,	,	PUNCT
issue-856	132	18	which	which	PRON
issue-856	132	19	is	be	AUX
issue-856	132	20	much	much	ADV
issue-856	132	21	simpler	simple	ADJ
issue-856	132	22	and	and	CCONJ
issue-856	132	23	cheaper	cheap	ADJ
issue-856	132	24	than	than	ADP
issue-856	132	25	maintaining	maintain	VERB
issue-856	132	26	their	their	PRON
issue-856	132	27	own	own	ADJ
issue-856	132	28	teams	team	NOUN
issue-856	132	29	of	of	ADP
issue-856	132	30	software	software	NOUN
issue-856	132	31	developers	developer	NOUN
issue-856	132	32	.	.	PUNCT
issue-856	133	1	the	the	DET
issue-856	133	2	same	same	ADJ
issue-856	133	3	number	number	NOUN
issue-856	133	4	of	of	ADP
issue-856	133	5	banks	bank	NOUN
issue-856	133	6	has	have	VERB
issue-856	133	7	their	their	PRON
issue-856	133	8	own	own	ADJ
issue-856	133	9	innovation	innovation	NOUN
issue-856	133	10	centers	center	NOUN
issue-856	133	11	.	.	PUNCT
issue-856	134	1	at	at	ADP
issue-856	134	2	the	the	DET
issue-856	134	3	same	same	ADJ
issue-856	134	4	time	time	NOUN
issue-856	134	5	,	,	PUNCT
issue-856	134	6	most	most	ADJ
issue-856	134	7	institutions	institution	NOUN
issue-856	134	8	do	do	AUX
issue-856	134	9	not	not	PART
issue-856	134	10	have	have	VERB
issue-856	134	11	platforms	platform	NOUN
issue-856	134	12	for	for	ADP
issue-856	134	13	incubation	incubation	NOUN
issue-856	134	14	and	and	CCONJ
issue-856	134	15	acceleration	acceleration	NOUN
issue-856	134	16	of	of	ADP
issue-856	134	17	fintech	fintech	NOUN
issue-856	134	18	projects	project	NOUN
issue-856	134	19	.	.	PUNCT
issue-856	135	1	many	many	ADJ
issue-856	135	2	of	of	ADP
issue-856	135	3	such	such	ADJ
issue-856	135	4	projects	project	NOUN
issue-856	135	5	are	be	AUX
issue-856	135	6	implemented	implement	VERB
issue-856	135	7	with	with	ADP
issue-856	135	8	the	the	DET
issue-856	135	9	help	help	NOUN
issue-856	135	10	of	of	ADP
issue-856	135	11	fintech	fintech	NOUN
issue-856	135	12	companies	company	NOUN
issue-856	135	13	,	,	PUNCT
issue-856	135	14	which	which	PRON
issue-856	135	15	enables	enable	VERB
issue-856	135	16	banks	bank	NOUN
issue-856	135	17	to	to	PART
issue-856	135	18	reduce	reduce	VERB
issue-856	135	19	investment	investment	NOUN
issue-856	135	20	costs	cost	NOUN
issue-856	135	21	and	and	CCONJ
issue-856	135	22	minimize	minimize	VERB
issue-856	135	23	risks	risk	NOUN
issue-856	135	24	.	.	PUNCT
issue-856	136	1	financing	financing	NOUN
issue-856	136	2	is	be	AUX
issue-856	136	3	still	still	ADV
issue-856	136	4	a	a	DET
issue-856	136	5	pain	pain	NOUN
issue-856	136	6	point	point	NOUN
issue-856	136	7	for	for	ADP
issue-856	136	8	fintech	fintech	NOUN
issue-856	136	9	companies	company	NOUN
issue-856	136	10	.	.	PUNCT
issue-856	137	1	as	as	SCONJ
issue-856	137	2	we	we	PRON
issue-856	137	3	can	can	AUX
issue-856	137	4	see	see	VERB
issue-856	137	5	,	,	PUNCT
issue-856	137	6	100	100	NUM
issue-856	137	7	%	%	NOUN
issue-856	137	8	of	of	ADP
issue-856	137	9	the	the	DET
issue-856	137	10	studied	study	VERB
issue-856	137	11	banking	banking	NOUN
issue-856	137	12	institutions	institution	NOUN
issue-856	137	13	do	do	AUX
issue-856	137	14	not	not	PART
issue-856	137	15	invest	invest	VERB
issue-856	137	16	in	in	ADP
issue-856	137	17	fintech	fintech	NOUN
issue-856	137	18	companies	company	NOUN
issue-856	137	19	.	.	PUNCT
issue-856	138	1	usually	usually	ADV
issue-856	138	2	,	,	PUNCT
issue-856	138	3	new	new	ADJ
issue-856	138	4	technological	technological	ADJ
issue-856	138	5	projects	project	NOUN
issue-856	138	6	in	in	ADP
issue-856	138	7	the	the	DET
issue-856	138	8	world	world	NOUN
issue-856	138	9	are	be	AUX
issue-856	138	10	funded	fund	VERB
issue-856	138	11	by	by	ADP
issue-856	138	12	outside	outside	ADJ
issue-856	138	13	capital	capital	NOUN
issue-856	138	14	and	and	CCONJ
issue-856	138	15	,	,	PUNCT
issue-856	138	16	above	above	ADP
issue-856	138	17	all	all	PRON
issue-856	138	18	,	,	PUNCT
issue-856	138	19	by	by	ADP
issue-856	138	20	banking	bank	VERB
issue-856	138	21	resources	resource	NOUN
issue-856	138	22	.	.	PUNCT
issue-856	139	1	however	however	ADV
issue-856	139	2	,	,	PUNCT
issue-856	139	3	in	in	ADP
issue-856	139	4	ukraine	ukraine	NOUN
issue-856	139	5	,	,	PUNCT
issue-856	139	6	61	61	NUM
issue-856	139	7	%	%	NOUN
issue-856	139	8	of	of	ADP
issue-856	139	9	fintech	fintech	NOUN
issue-856	139	10	companies	company	NOUN
issue-856	139	11	are	be	AUX
issue-856	139	12	fully	fully	ADV
issue-856	139	13	funded	fund	VERB
issue-856	139	14	from	from	ADP
issue-856	139	15	their	their	PRON
issue-856	139	16	own	own	ADJ
issue-856	139	17	sources	source	NOUN
issue-856	139	18	.	.	PUNCT
issue-856	140	1	in	in	ADP
issue-856	140	2	our	our	PRON
issue-856	140	3	opinion	opinion	NOUN
issue-856	140	4	,	,	PUNCT
issue-856	140	5	banks	bank	NOUN
issue-856	140	6	and	and	CCONJ
issue-856	140	7	fintech	fintech	NOUN
issue-856	140	8	companies	company	NOUN
issue-856	140	9	are	be	AUX
issue-856	140	10	interested	interested	ADJ
issue-856	140	11	in	in	ADP
issue-856	140	12	a	a	DET
issue-856	140	13	mutually	mutually	ADV
issue-856	140	14	beneficial	beneficial	ADJ
issue-856	140	15	partnership	partnership	NOUN
issue-856	140	16	,	,	PUNCT
issue-856	140	17	as	as	SCONJ
issue-856	140	18	each	each	PRON
issue-856	140	19	has	have	VERB
issue-856	140	20	its	its	PRON
issue-856	140	21	own	own	ADJ
issue-856	140	22	strengths	strength	NOUN
issue-856	140	23	and	and	CCONJ
issue-856	140	24	weaknesses	weakness	NOUN
issue-856	140	25	.	.	PUNCT
issue-856	141	1	banks	bank	NOUN
issue-856	141	2	have	have	VERB
issue-856	141	3	significant	significant	ADJ
issue-856	141	4	amounts	amount	NOUN
issue-856	141	5	of	of	ADP
issue-856	141	6	financial	financial	ADJ
issue-856	141	7	resources	resource	NOUN
issue-856	141	8	and	and	CCONJ
issue-856	141	9	a	a	DET
issue-856	141	10	customer	customer	NOUN
issue-856	141	11	base	base	NOUN
issue-856	141	12	.	.	PUNCT
issue-856	142	1	but	but	CCONJ
issue-856	142	2	not	not	PART
issue-856	142	3	all	all	PRON
issue-856	142	4	of	of	ADP
issue-856	142	5	them	they	PRON
issue-856	142	6	are	be	AUX
issue-856	142	7	willing	willing	ADJ
issue-856	142	8	to	to	PART
issue-856	142	9	invest	invest	VERB
issue-856	142	10	their	their	PRON
issue-856	142	11	own	own	ADJ
issue-856	142	12	financial	financial	ADJ
issue-856	142	13	,	,	PUNCT
issue-856	142	14	time	time	NOUN
issue-856	142	15	and	and	CCONJ
issue-856	142	16	human	human	ADJ
issue-856	142	17	resources	resource	NOUN
issue-856	142	18	in	in	ADP
issue-856	142	19	developing	develop	VERB
issue-856	142	20	innovative	innovative	ADJ
issue-856	142	21	products	product	NOUN
issue-856	142	22	.	.	PUNCT
issue-856	143	1	in	in	ADP
issue-856	143	2	addition	addition	NOUN
issue-856	143	3	,	,	PUNCT
issue-856	143	4	the	the	DET
issue-856	143	5	activities	activity	NOUN
issue-856	143	6	of	of	ADP
issue-856	143	7	banks	bank	NOUN
issue-856	143	8	are	be	AUX
issue-856	143	9	tightly	tightly	ADV
issue-856	143	10	regulated	regulate	VERB
issue-856	143	11	by	by	ADP
issue-856	143	12	the	the	DET
issue-856	143	13	central	central	ADJ
issue-856	143	14	bank	bank	NOUN
issue-856	143	15	.	.	PUNCT
issue-856	144	1	therefore	therefore	ADV
issue-856	144	2	,	,	PUNCT
issue-856	144	3	they	they	PRON
issue-856	144	4	may	may	AUX
issue-856	144	5	not	not	PART
issue-856	144	6	always	always	ADV
issue-856	144	7	be	be	AUX
issue-856	144	8	able	able	ADJ
issue-856	144	9	to	to	PART
issue-856	144	10	adapt	adapt	VERB
issue-856	144	11	quickly	quickly	ADV
issue-856	144	12	to	to	ADP
issue-856	144	13	the	the	DET
issue-856	144	14	growing	grow	VERB
issue-856	144	15	needs	need	NOUN
issue-856	144	16	of	of	ADP
issue-856	144	17	customers	customer	NOUN
issue-856	144	18	,	,	PUNCT
issue-856	144	19	as	as	SCONJ
issue-856	144	20	this	this	PRON
issue-856	144	21	requires	require	VERB
issue-856	144	22	an	an	DET
issue-856	144	23	appropriate	appropriate	ADJ
issue-856	144	24	regulatory	regulatory	ADJ
issue-856	144	25	framework	framework	NOUN
issue-856	144	26	.	.	PUNCT
issue-856	145	1	the	the	DET
issue-856	145	2	strength	strength	NOUN
issue-856	145	3	of	of	ADP
issue-856	145	4	fintech	fintech	NOUN
issue-856	145	5	companies	company	NOUN
issue-856	145	6	is	be	AUX
issue-856	145	7	the	the	DET
issue-856	145	8	high	high	ADJ
issue-856	145	9	level	level	NOUN
issue-856	145	10	of	of	ADP
issue-856	145	11	qualification	qualification	NOUN
issue-856	145	12	and	and	CCONJ
issue-856	145	13	innovative	innovative	ADJ
issue-856	145	14	potential	potential	NOUN
issue-856	145	15	of	of	ADP
issue-856	145	16	employees	employee	NOUN
issue-856	145	17	.	.	PUNCT
issue-856	146	1	in	in	ADP
issue-856	146	2	addition	addition	NOUN
issue-856	146	3	,	,	PUNCT
issue-856	146	4	they	they	PRON
issue-856	146	5	have	have	VERB
issue-856	146	6	much	much	ADV
issue-856	146	7	more	more	ADJ
issue-856	146	8	information	information	NOUN
issue-856	146	9	about	about	ADP
issue-856	146	10	their	their	PRON
issue-856	146	11	potential	potential	ADJ
issue-856	146	12	customers	customer	NOUN
issue-856	146	13	’	'	PUNCT
issue-856	146	14	needs	need	NOUN
issue-856	146	15	by	by	ADP
issue-856	146	16	tracking	track	VERB
issue-856	146	17	their	their	PRON
issue-856	146	18	activity	activity	NOUN
issue-856	146	19	on	on	ADP
issue-856	146	20	social	social	ADJ
issue-856	146	21	networks	network	NOUN
issue-856	146	22	,	,	PUNCT
issue-856	146	23	and	and	CCONJ
issue-856	146	24	navigating	navigate	VERB
issue-856	146	25	through	through	ADP
issue-856	146	26	geolocation	geolocation	NOUN
issue-856	146	27	applications	application	NOUN
issue-856	146	28	.	.	PUNCT
issue-856	147	1	the	the	DET
issue-856	147	2	disadvantage	disadvantage	NOUN
issue-856	147	3	of	of	ADP
issue-856	147	4	fintech	fintech	NOUN
issue-856	147	5	9	9	NUM
issue-856	147	6	%	%	NOUN
issue-856	147	7	18	18	NUM
issue-856	147	8	%	%	NOUN
issue-856	147	9	55	55	NUM
issue-856	147	10	%	%	NOUN
issue-856	147	11	100	100	NUM
issue-856	147	12	%	%	NOUN
issue-856	147	13	18	18	NUM
issue-856	147	14	%	%	NOUN
issue-856	147	15	9	9	NUM
issue-856	147	16	%	%	NOUN
issue-856	147	17	27	27	NUM
issue-856	147	18	%	%	NOUN
issue-856	147	19	73	73	NUM
issue-856	147	20	%	%	NOUN
issue-856	147	21	73	73	NUM
issue-856	147	22	%	%	NOUN
issue-856	147	23	18	18	NUM
issue-856	147	24	%	%	NOUN
issue-856	147	25	0	0	NUM
issue-856	147	26	%	%	NOUN
issue-856	147	27	20	20	NUM
issue-856	147	28	%	%	NOUN
issue-856	147	29	40	40	NUM
issue-856	147	30	%	%	NOUN
issue-856	147	31	60	60	NUM
issue-856	147	32	%	%	NOUN
issue-856	147	33	80	80	NUM
issue-856	147	34	%	%	NOUN
issue-856	147	35	100	100	NUM
issue-856	147	36	%	%	NOUN
issue-856	147	37	own	own	ADJ
issue-856	147	38	innovation	innovation	NOUN
issue-856	147	39	development	development	NOUN
issue-856	147	40	joint	joint	ADJ
issue-856	147	41	projects	project	NOUN
issue-856	147	42	investments	investment	NOUN
issue-856	147	43	in	in	ADP
issue-856	147	44	startups	startup	NOUN
issue-856	147	45	own	own	ADJ
issue-856	147	46	startup	startup	NOUN
issue-856	147	47	incubators	incubator	NOUN
issue-856	147	48	/	/	SYM
issue-856	147	49	accelerators	accelerator	NOUN
issue-856	147	50	no	no	DET
issue-856	147	51	cooperation	cooperation	NOUN
issue-856	147	52	cooperation	cooperation	NOUN
issue-856	147	53	is	be	AUX
issue-856	147	54	planned	plan	VERB
issue-856	147	55	cooperation	cooperation	NOUN
issue-856	147	56	figure	figure	NOUN
issue-856	147	57	1	1	NUM
issue-856	147	58	.	.	PUNCT
issue-856	148	1	involvement	involvement	NOUN
issue-856	148	2	of	of	ADP
issue-856	148	3	the	the	DET
issue-856	148	4	ukrainian	ukrainian	ADJ
issue-856	148	5	banks	bank	NOUN
issue-856	148	6	in	in	ADP
issue-856	148	7	cooperation	cooperation	NOUN
issue-856	148	8	with	with	ADP
issue-856	148	9	fintech	fintech	NOUN
issue-856	148	10	companies	company	NOUN
issue-856	148	11	source	source	NOUN
issue-856	148	12	:	:	PUNCT
issue-856	148	13	built	build	VERB
issue-856	148	14	by	by	ADP
issue-856	148	15	authors	author	NOUN
issue-856	148	16	based	base	VERB
issue-856	148	17	on	on	ADP
issue-856	148	18	(	(	PUNCT
issue-856	148	19	ukrainian	ukrainian	ADJ
issue-856	148	20	association	association	NOUN
issue-856	148	21	of	of	ADP
issue-856	148	22	fintech	fintech	NOUN
issue-856	148	23	and	and	CCONJ
issue-856	148	24	innovative	innovative	ADJ
issue-856	148	25	companies	company	NOUN
issue-856	148	26	,	,	PUNCT
issue-856	148	27	2019	2019	NUM
issue-856	148	28	)	)	PUNCT
issue-856	148	29	baltic	baltic	ADJ
issue-856	148	30	journal	journal	NOUN
issue-856	148	31	of	of	ADP
issue-856	148	32	economic	economic	ADJ
issue-856	148	33	studies	study	NOUN
issue-856	148	34	51	51	NUM
issue-856	148	35	vol	vol	NOUN
issue-856	148	36	.	.	PROPN
issue-856	149	1	6	6	NUM
issue-856	149	2	,	,	PUNCT
issue-856	149	3	no	no	INTJ
issue-856	149	4	.	.	NOUN
issue-856	149	5	4	4	NUM
issue-856	149	6	,	,	PUNCT
issue-856	149	7	2020	2020	NUM
issue-856	149	8	companies	company	NOUN
issue-856	149	9	is	be	AUX
issue-856	149	10	that	that	SCONJ
issue-856	149	11	they	they	PRON
issue-856	149	12	mainly	mainly	ADV
issue-856	149	13	specialize	specialize	VERB
issue-856	149	14	in	in	ADP
issue-856	149	15	a	a	DET
issue-856	149	16	narrow	narrow	ADJ
issue-856	149	17	range	range	NOUN
issue-856	149	18	of	of	ADP
issue-856	149	19	operations	operation	NOUN
issue-856	149	20	.	.	PUNCT
issue-856	150	1	besides	besides	SCONJ
issue-856	150	2	they	they	PRON
issue-856	150	3	do	do	AUX
issue-856	150	4	not	not	PART
issue-856	150	5	always	always	ADV
issue-856	150	6	have	have	VERB
issue-856	150	7	enough	enough	ADJ
issue-856	150	8	funding	funding	NOUN
issue-856	150	9	to	to	PART
issue-856	150	10	implement	implement	VERB
issue-856	150	11	their	their	PRON
issue-856	150	12	ideas	idea	NOUN
issue-856	150	13	,	,	PUNCT
issue-856	150	14	as	as	ADV
issue-856	150	15	well	well	ADV
issue-856	150	16	as	as	ADP
issue-856	150	17	the	the	DET
issue-856	150	18	time	time	NOUN
issue-856	150	19	needed	need	VERB
issue-856	150	20	to	to	PART
issue-856	150	21	win	win	VERB
issue-856	150	22	customers	customer	NOUN
issue-856	150	23	’	'	PUNCT
issue-856	150	24	trust	trust	NOUN
issue-856	150	25	.	.	PUNCT
issue-856	151	1	therefore	therefore	ADV
issue-856	151	2	,	,	PUNCT
issue-856	151	3	both	both	PRON
issue-856	151	4	for	for	ADP
issue-856	151	5	banks	bank	NOUN
issue-856	151	6	and	and	CCONJ
issue-856	151	7	for	for	ADP
issue-856	151	8	fintech	fintech	NOUN
issue-856	151	9	companies	company	NOUN
issue-856	151	10	,	,	PUNCT
issue-856	151	11	the	the	DET
issue-856	151	12	smartest	smart	ADJ
issue-856	151	13	strategy	strategy	NOUN
issue-856	151	14	is	be	AUX
issue-856	151	15	not	not	PART
issue-856	151	16	to	to	PART
issue-856	151	17	compete	compete	VERB
issue-856	151	18	,	,	PUNCT
issue-856	151	19	but	but	CCONJ
issue-856	151	20	to	to	PART
issue-856	151	21	look	look	VERB
issue-856	151	22	for	for	ADP
issue-856	151	23	mutually	mutually	ADV
issue-856	151	24	beneficial	beneficial	ADJ
issue-856	151	25	ways	way	NOUN
issue-856	151	26	of	of	ADP
issue-856	151	27	partnership	partnership	NOUN
issue-856	151	28	(	(	PUNCT
issue-856	151	29	financial	financial	ADJ
issue-856	151	30	pulse	pulse	NOUN
issue-856	151	31	,	,	PUNCT
issue-856	151	32	n.d	n.d	PROPN
issue-856	151	33	.	.	PROPN
issue-856	151	34	)	)	PUNCT
issue-856	151	35	.	.	PUNCT
issue-856	152	1	the	the	DET
issue-856	152	2	options	option	NOUN
issue-856	152	3	for	for	ADP
issue-856	152	4	cooperation	cooperation	NOUN
issue-856	152	5	between	between	ADP
issue-856	152	6	banks	bank	NOUN
issue-856	152	7	and	and	CCONJ
issue-856	152	8	fintech	fintech	NOUN
issue-856	152	9	companies	company	NOUN
issue-856	152	10	can	can	AUX
issue-856	152	11	vary	vary	VERB
issue-856	152	12	from	from	ADP
issue-856	152	13	simple	simple	ADJ
issue-856	152	14	use	use	NOUN
issue-856	152	15	of	of	ADP
issue-856	152	16	the	the	DET
issue-856	152	17	services	service	NOUN
issue-856	152	18	of	of	ADP
issue-856	152	19	fintech	fintech	NOUN
issue-856	152	20	providers	provider	NOUN
issue-856	152	21	to	to	ADP
issue-856	152	22	a	a	DET
issue-856	152	23	full	full	ADV
issue-856	152	24	-	-	PUNCT
issue-856	152	25	fledged	fledged	ADJ
issue-856	152	26	partnership	partnership	NOUN
issue-856	152	27	,	,	PUNCT
issue-856	152	28	investments	investment	NOUN
issue-856	152	29	in	in	ADP
issue-856	152	30	the	the	DET
issue-856	152	31	implementation	implementation	NOUN
issue-856	152	32	of	of	ADP
issue-856	152	33	new	new	ADJ
issue-856	152	34	systems	system	NOUN
issue-856	152	35	or	or	CCONJ
issue-856	152	36	the	the	DET
issue-856	152	37	acquisition	acquisition	NOUN
issue-856	152	38	of	of	ADP
issue-856	152	39	implemented	implement	VERB
issue-856	152	40	projects	project	NOUN
issue-856	152	41	.	.	PUNCT
issue-856	153	1	in	in	ADP
issue-856	153	2	particular	particular	ADJ
issue-856	153	3	,	,	PUNCT
issue-856	153	4	priority	priority	NOUN
issue-856	153	5	areas	area	NOUN
issue-856	153	6	for	for	ADP
issue-856	153	7	cooperation	cooperation	NOUN
issue-856	153	8	are	be	AUX
issue-856	153	9	digital	digital	ADJ
issue-856	153	10	banking	banking	NOUN
issue-856	153	11	,	,	PUNCT
issue-856	153	12	electronic	electronic	ADJ
issue-856	153	13	payments	payment	NOUN
issue-856	153	14	,	,	PUNCT
issue-856	153	15	car	car	NOUN
issue-856	153	16	and	and	CCONJ
issue-856	153	17	travel	travel	NOUN
issue-856	153	18	insurance	insurance	NOUN
issue-856	153	19	,	,	PUNCT
issue-856	153	20	p2p	p2p	NOUN
issue-856	153	21	lending	lending	NOUN
issue-856	153	22	and	and	CCONJ
issue-856	153	23	b2p	b2p	PROPN
issue-856	153	24	lending	lending	NOUN
issue-856	153	25	.	.	PUNCT
issue-856	154	1	table	table	NOUN
issue-856	154	2	1	1	NUM
issue-856	154	3	presents	present	VERB
issue-856	154	4	the	the	DET
issue-856	154	5	perspectives	perspective	NOUN
issue-856	154	6	for	for	ADP
issue-856	154	7	the	the	DET
issue-856	154	8	development	development	NOUN
issue-856	154	9	of	of	ADP
issue-856	154	10	the	the	DET
issue-856	154	11	fintech	fintech	NOUN
issue-856	154	12	industry	industry	NOUN
issue-856	154	13	in	in	ADP
issue-856	154	14	ukraine	ukraine	NOUN
issue-856	154	15	,	,	PUNCT
issue-856	154	16	the	the	DET
issue-856	154	17	main	main	ADJ
issue-856	154	18	barriers	barrier	NOUN
issue-856	154	19	and	and	CCONJ
issue-856	154	20	the	the	DET
issue-856	154	21	necessary	necessary	ADJ
issue-856	154	22	legislative	legislative	ADJ
issue-856	154	23	changes	change	NOUN
issue-856	154	24	in	in	ADP
issue-856	154	25	terms	term	NOUN
issue-856	154	26	of	of	ADP
issue-856	154	27	banks	bank	NOUN
issue-856	154	28	and	and	CCONJ
issue-856	154	29	fintech	fintech	NOUN
issue-856	154	30	companies	company	NOUN
issue-856	154	31	.	.	PUNCT
issue-856	155	1	the	the	DET
issue-856	155	2	above	above	ADV
issue-856	155	3	-	-	PUNCT
issue-856	155	4	mentioned	mention	VERB
issue-856	155	5	rating	rating	NOUN
issue-856	155	6	highlights	highlight	NOUN
issue-856	155	7	the	the	DET
issue-856	155	8	obvious	obvious	ADJ
issue-856	155	9	differences	difference	NOUN
issue-856	155	10	between	between	ADP
issue-856	155	11	the	the	DET
issue-856	155	12	moods	mood	NOUN
issue-856	155	13	of	of	ADP
issue-856	155	14	fintech	fintech	NOUN
issue-856	155	15	providers	provider	NOUN
issue-856	155	16	and	and	CCONJ
issue-856	155	17	banks	bank	NOUN
issue-856	155	18	.	.	PUNCT
issue-856	156	1	this	this	PRON
issue-856	156	2	is	be	AUX
issue-856	156	3	due	due	ADJ
issue-856	156	4	to	to	ADP
issue-856	156	5	the	the	DET
issue-856	156	6	fact	fact	NOUN
issue-856	156	7	that	that	SCONJ
issue-856	156	8	only	only	ADV
issue-856	156	9	57	57	NUM
issue-856	156	10	%	%	NOUN
issue-856	156	11	of	of	ADP
issue-856	156	12	all	all	DET
issue-856	156	13	domestic	domestic	ADJ
issue-856	156	14	fintech	fintech	NOUN
issue-856	156	15	companies	company	NOUN
issue-856	156	16	operate	operate	VERB
issue-856	156	17	exclusively	exclusively	ADV
issue-856	156	18	in	in	ADP
issue-856	156	19	ukraine	ukraine	NOUN
issue-856	156	20	.	.	PUNCT
issue-856	157	1	moreover	moreover	ADV
issue-856	157	2	,	,	PUNCT
issue-856	157	3	more	more	ADJ
issue-856	157	4	than	than	ADP
issue-856	157	5	70	70	NUM
issue-856	157	6	%	%	NOUN
issue-856	157	7	of	of	ADP
issue-856	157	8	them	they	PRON
issue-856	157	9	plan	plan	VERB
issue-856	157	10	to	to	PART
issue-856	157	11	enter	enter	VERB
issue-856	157	12	foreign	foreign	ADJ
issue-856	157	13	markets	market	NOUN
issue-856	157	14	.	.	PUNCT
issue-856	158	1	the	the	DET
issue-856	158	2	reason	reason	NOUN
issue-856	158	3	for	for	ADP
issue-856	158	4	this	this	PRON
issue-856	158	5	is	be	AUX
issue-856	158	6	a	a	DET
issue-856	158	7	weak	weak	ADJ
issue-856	158	8	domestic	domestic	ADJ
issue-856	158	9	market	market	NOUN
issue-856	158	10	with	with	ADP
issue-856	158	11	low	low	ADJ
issue-856	158	12	demand	demand	NOUN
issue-856	158	13	and	and	CCONJ
issue-856	158	14	disposable	disposable	ADJ
issue-856	158	15	income	income	NOUN
issue-856	158	16	within	within	ADP
issue-856	158	17	the	the	DET
issue-856	158	18	country	country	NOUN
issue-856	158	19	[	[	X
issue-856	158	20	catalog	catalog	X
issue-856	158	21	]	]	X
issue-856	158	22	.	.	PUNCT
issue-856	159	1	that	that	PRON
issue-856	159	2	is	be	AUX
issue-856	159	3	why	why	SCONJ
issue-856	159	4	a	a	DET
issue-856	159	5	considerable	considerable	ADJ
issue-856	159	6	number	number	NOUN
issue-856	159	7	of	of	ADP
issue-856	159	8	companies	company	NOUN
issue-856	159	9	are	be	AUX
issue-856	159	10	influenced	influence	VERB
issue-856	159	11	by	by	ADP
issue-856	159	12	global	global	ADJ
issue-856	159	13	trends	trend	NOUN
issue-856	159	14	of	of	ADP
issue-856	159	15	market	market	NOUN
issue-856	159	16	changes	change	NOUN
issue-856	159	17	,	,	PUNCT
issue-856	159	18	which	which	PRON
issue-856	159	19	are	be	AUX
issue-856	159	20	not	not	PART
issue-856	159	21	felt	feel	VERB
issue-856	159	22	so	so	ADV
issue-856	159	23	strongly	strongly	ADV
issue-856	159	24	in	in	ADP
issue-856	159	25	ukraine	ukraine	NOUN
issue-856	159	26	.	.	PUNCT
issue-856	160	1	however	however	ADV
issue-856	160	2	,	,	PUNCT
issue-856	160	3	both	both	DET
issue-856	160	4	fintech	fintech	NOUN
issue-856	160	5	companies	company	NOUN
issue-856	160	6	and	and	CCONJ
issue-856	160	7	banks	bank	NOUN
issue-856	160	8	emphasize	emphasize	VERB
issue-856	160	9	the	the	DET
issue-856	160	10	need	need	NOUN
issue-856	160	11	for	for	ADP
issue-856	160	12	remote	remote	ADJ
issue-856	160	13	identification	identification	NOUN
issue-856	160	14	of	of	ADP
issue-856	160	15	customers	customer	NOUN
issue-856	160	16	,	,	PUNCT
issue-856	160	17	in	in	ADP
issue-856	160	18	particular	particular	ADJ
issue-856	160	19	,	,	PUNCT
issue-856	160	20	banks	bank	NOUN
issue-856	160	21	.	.	PUNCT
issue-856	161	1	therefore	therefore	ADV
issue-856	161	2	,	,	PUNCT
issue-856	161	3	they	they	PRON
issue-856	161	4	believe	believe	VERB
issue-856	161	5	that	that	SCONJ
issue-856	161	6	availability	availability	NOUN
issue-856	161	7	of	of	ADP
issue-856	161	8	a	a	DET
issue-856	161	9	legal	legal	ADJ
issue-856	161	10	framework	framework	NOUN
issue-856	161	11	for	for	ADP
issue-856	161	12	remote	remote	ADJ
issue-856	161	13	customer	customer	NOUN
issue-856	161	14	identification	identification	NOUN
issue-856	161	15	is	be	AUX
issue-856	161	16	a	a	DET
issue-856	161	17	necessary	necessary	ADJ
issue-856	161	18	factor	factor	NOUN
issue-856	161	19	in	in	ADP
issue-856	161	20	the	the	DET
issue-856	161	21	development	development	NOUN
issue-856	161	22	of	of	ADP
issue-856	161	23	the	the	DET
issue-856	161	24	industry	industry	NOUN
issue-856	161	25	.	.	PUNCT
issue-856	162	1	in	in	ADP
issue-856	162	2	general	general	ADJ
issue-856	162	3	,	,	PUNCT
issue-856	162	4	the	the	DET
issue-856	162	5	problem	problem	NOUN
issue-856	162	6	of	of	ADP
issue-856	162	7	outdated	outdated	ADJ
issue-856	162	8	and	and	CCONJ
issue-856	162	9	unfavorable	unfavorable	ADJ
issue-856	162	10	legislation	legislation	NOUN
issue-856	162	11	is	be	AUX
issue-856	162	12	a	a	DET
issue-856	162	13	key	key	ADJ
issue-856	162	14	issue	issue	NOUN
issue-856	162	15	for	for	ADP
issue-856	162	16	both	both	DET
issue-856	162	17	groups	group	NOUN
issue-856	162	18	of	of	ADP
issue-856	162	19	institutions	institution	NOUN
issue-856	162	20	.	.	PUNCT
issue-856	163	1	it	it	PRON
issue-856	163	2	is	be	AUX
issue-856	163	3	also	also	ADV
issue-856	163	4	worth	worth	ADJ
issue-856	163	5	noting	note	VERB
issue-856	163	6	that	that	SCONJ
issue-856	163	7	fintech	fintech	NOUN
issue-856	163	8	companies	company	NOUN
issue-856	163	9	and	and	CCONJ
issue-856	163	10	banks	bank	NOUN
issue-856	163	11	see	see	VERB
issue-856	163	12	significant	significant	ADJ
issue-856	163	13	potential	potential	NOUN
issue-856	163	14	in	in	ADP
issue-856	163	15	future	future	NOUN
issue-856	163	16	of	of	ADP
issue-856	163	17	the	the	DET
issue-856	163	18	financial	financial	ADJ
issue-856	163	19	services	service	NOUN
issue-856	163	20	for	for	ADP
issue-856	163	21	individuals	individual	NOUN
issue-856	163	22	who	who	PRON
issue-856	163	23	do	do	AUX
issue-856	163	24	not	not	PART
issue-856	163	25	have	have	VERB
issue-856	163	26	bank	bank	NOUN
issue-856	163	27	accounts	account	NOUN
issue-856	163	28	.	.	PUNCT
issue-856	164	1	this	this	DET
issue-856	164	2	niche	niche	NOUN
issue-856	164	3	is	be	AUX
issue-856	164	4	considered	consider	VERB
issue-856	164	5	potentially	potentially	ADV
issue-856	164	6	profitable	profitable	ADJ
issue-856	164	7	for	for	ADP
issue-856	164	8	startups	startup	NOUN
issue-856	164	9	as	as	ADV
issue-856	164	10	well	well	ADV
issue-856	164	11	as	as	ADP
issue-856	164	12	classic	classic	ADJ
issue-856	164	13	credit	credit	NOUN
issue-856	164	14	institutions	institution	NOUN
issue-856	164	15	(	(	PUNCT
issue-856	164	16	usaid	usaid	PROPN
issue-856	164	17	,	,	PUNCT
issue-856	164	18	2019	2019	NUM
issue-856	164	19	)	)	PUNCT
issue-856	164	20	.	.	PUNCT
issue-856	165	1	however	however	ADV
issue-856	165	2	,	,	PUNCT
issue-856	165	3	the	the	DET
issue-856	165	4	biggest	big	ADJ
issue-856	165	5	problem	problem	NOUN
issue-856	165	6	in	in	ADP
issue-856	165	7	ukraine	ukraine	NOUN
issue-856	165	8	in	in	ADP
issue-856	165	9	this	this	DET
issue-856	165	10	area	area	NOUN
issue-856	165	11	is	be	AUX
issue-856	165	12	the	the	DET
issue-856	165	13	low	low	ADJ
issue-856	165	14	levels	level	NOUN
issue-856	165	15	of	of	ADP
issue-856	165	16	financial	financial	ADJ
issue-856	165	17	inclusivity	inclusivity	NOUN
issue-856	165	18	and	and	CCONJ
issue-856	165	19	literacy	literacy	NOUN
issue-856	165	20	of	of	ADP
issue-856	165	21	the	the	DET
issue-856	165	22	population	population	NOUN
issue-856	165	23	,	,	PUNCT
issue-856	165	24	as	as	ADV
issue-856	165	25	well	well	ADV
issue-856	165	26	as	as	ADP
issue-856	165	27	the	the	DET
issue-856	165	28	rejection	rejection	NOUN
issue-856	165	29	of	of	ADP
issue-856	165	30	the	the	DET
issue-856	165	31	latest	late	ADJ
issue-856	165	32	technologies	technology	NOUN
issue-856	165	33	by	by	ADP
issue-856	165	34	elders	elder	NOUN
issue-856	165	35	.	.	PUNCT
issue-856	166	1	according	accord	VERB
issue-856	166	2	to	to	ADP
issue-856	166	3	a	a	DET
issue-856	166	4	study	study	NOUN
issue-856	166	5	by	by	ADP
issue-856	166	6	the	the	DET
issue-856	166	7	united	united	PROPN
issue-856	166	8	states	states	PROPN
issue-856	166	9	agency	agency	PROPN
issue-856	166	10	for	for	ADP
issue-856	166	11	international	international	ADJ
issue-856	166	12	development	development	NOUN
issue-856	166	13	(	(	PUNCT
issue-856	166	14	usaid	usaid	PROPN
issue-856	166	15	)	)	PUNCT
issue-856	166	16	,	,	PUNCT
issue-856	166	17	which	which	PRON
issue-856	166	18	took	take	VERB
issue-856	166	19	into	into	ADP
issue-856	166	20	account	account	NOUN
issue-856	166	21	the	the	DET
issue-856	166	22	level	level	NOUN
issue-856	166	23	of	of	ADP
issue-856	166	24	financial	financial	ADJ
issue-856	166	25	knowledge	knowledge	NOUN
issue-856	166	26	,	,	PUNCT
issue-856	166	27	behavior	behavior	NOUN
issue-856	166	28	and	and	CCONJ
issue-856	166	29	attitude	attitude	NOUN
issue-856	166	30	,	,	PUNCT
issue-856	166	31	the	the	DET
issue-856	166	32	overall	overall	ADJ
issue-856	166	33	index	index	NOUN
issue-856	166	34	of	of	ADP
issue-856	166	35	financial	financial	ADJ
issue-856	166	36	literacy	literacy	NOUN
issue-856	166	37	of	of	ADP
issue-856	166	38	the	the	DET
issue-856	166	39	ukrainians	ukrainians	PROPN
issue-856	166	40	was	be	AUX
issue-856	166	41	55	55	NUM
issue-856	166	42	%	%	NOUN
issue-856	166	43	.	.	PUNCT
issue-856	167	1	this	this	PRON
issue-856	167	2	is	be	AUX
issue-856	167	3	the	the	DET
issue-856	167	4	lowest	low	ADJ
issue-856	167	5	rate	rate	NOUN
issue-856	167	6	among	among	ADP
issue-856	167	7	the	the	DET
issue-856	167	8	30	30	NUM
issue-856	167	9	countries	country	NOUN
issue-856	167	10	of	of	ADP
issue-856	167	11	the	the	DET
issue-856	167	12	organization	organization	NOUN
issue-856	167	13	for	for	ADP
issue-856	167	14	economic	economic	ADJ
issue-856	167	15	co	co	NOUN
issue-856	167	16	-	-	NOUN
issue-856	167	17	operation	operation	NOUN
issue-856	167	18	and	and	CCONJ
issue-856	167	19	development	development	NOUN
issue-856	167	20	(	(	PUNCT
issue-856	167	21	oecd	oecd	PROPN
issue-856	167	22	)	)	PUNCT
issue-856	167	23	.	.	PUNCT
issue-856	168	1	by	by	ADP
issue-856	168	2	the	the	DET
issue-856	168	3	way	way	NOUN
issue-856	168	4	,	,	PUNCT
issue-856	168	5	the	the	DET
issue-856	168	6	average	average	ADJ
issue-856	168	7	index	index	NOUN
issue-856	168	8	among	among	ADP
issue-856	168	9	oecd	oecd	PROPN
issue-856	168	10	countries	country	NOUN
issue-856	168	11	is	be	AUX
issue-856	168	12	63	63	NUM
issue-856	168	13	%	%	NOUN
issue-856	168	14	(	(	PUNCT
issue-856	168	15	usaid	usaid	PROPN
issue-856	168	16	,	,	PUNCT
issue-856	168	17	2019	2019	NUM
issue-856	168	18	)	)	PUNCT
issue-856	168	19	.	.	PUNCT
issue-856	169	1	5	5	X
issue-856	169	2	.	.	X
issue-856	169	3	lifecycle	lifecycle	NOUN
issue-856	169	4	curve	curve	NOUN
issue-856	169	5	of	of	ADP
issue-856	169	6	innovation	innovation	NOUN
issue-856	169	7	adoption	adoption	NOUN
issue-856	169	8	one	one	NUM
issue-856	169	9	of	of	ADP
issue-856	169	10	the	the	DET
issue-856	169	11	most	most	ADV
issue-856	169	12	topical	topical	ADJ
issue-856	169	13	issues	issue	NOUN
issue-856	169	14	in	in	ADP
issue-856	169	15	the	the	DET
issue-856	169	16	activities	activity	NOUN
issue-856	169	17	of	of	ADP
issue-856	169	18	fintech	fintech	NOUN
issue-856	169	19	companies	company	NOUN
issue-856	169	20	is	be	AUX
issue-856	169	21	the	the	DET
issue-856	169	22	spread	spread	NOUN
issue-856	169	23	of	of	ADP
issue-856	169	24	innovations	innovation	NOUN
issue-856	169	25	among	among	ADP
issue-856	169	26	potential	potential	ADJ
issue-856	169	27	users	user	NOUN
issue-856	169	28	.	.	PUNCT
issue-856	170	1	this	this	DET
issue-856	170	2	problem	problem	NOUN
issue-856	170	3	was	be	AUX
issue-856	170	4	started	start	VERB
issue-856	170	5	in	in	ADP
issue-856	170	6	the	the	DET
issue-856	170	7	1960s	1960	NOUN
issue-856	170	8	.	.	PUNCT
issue-856	171	1	in	in	ADP
issue-856	171	2	particular	particular	ADJ
issue-856	171	3	,	,	PUNCT
issue-856	171	4	the	the	DET
issue-856	171	5	american	american	ADJ
issue-856	171	6	scientist	scientist	NOUN
issue-856	171	7	everett	everett	PROPN
issue-856	171	8	rogers	rogers	PROPN
issue-856	171	9	developed	develop	VERB
issue-856	171	10	a	a	DET
issue-856	171	11	theory	theory	NOUN
issue-856	171	12	of	of	ADP
issue-856	171	13	innovation	innovation	NOUN
issue-856	171	14	diffusion	diffusion	NOUN
issue-856	171	15	that	that	PRON
issue-856	171	16	explains	explain	VERB
issue-856	171	17	how	how	SCONJ
issue-856	171	18	,	,	PUNCT
issue-856	171	19	why	why	SCONJ
issue-856	171	20	,	,	PUNCT
issue-856	171	21	and	and	CCONJ
issue-856	171	22	at	at	ADP
issue-856	171	23	what	what	PRON
issue-856	171	24	speed	speed	VERB
issue-856	171	25	new	new	ADJ
issue-856	171	26	ideas	idea	NOUN
issue-856	171	27	and	and	CCONJ
issue-856	171	28	technologies	technology	NOUN
issue-856	171	29	are	be	AUX
issue-856	171	30	distributed	distribute	VERB
issue-856	171	31	to	to	ADP
issue-856	171	32	different	different	ADJ
issue-856	171	33	consumer	consumer	NOUN
issue-856	171	34	groups	group	NOUN
issue-856	171	35	(	(	PUNCT
issue-856	171	36	rogers	roger	NOUN
issue-856	171	37	,	,	PUNCT
issue-856	171	38	2003	2003	NUM
issue-856	171	39	)	)	PUNCT
issue-856	171	40	.	.	PUNCT
issue-856	172	1	in	in	ADP
issue-856	172	2	1992	1992	NUM
issue-856	172	3	,	,	PUNCT
issue-856	172	4	this	this	DET
issue-856	172	5	theory	theory	NOUN
issue-856	172	6	was	be	AUX
issue-856	172	7	developed	develop	VERB
issue-856	172	8	by	by	ADP
issue-856	172	9	geoffrey	geoffrey	PROPN
issue-856	172	10	moore	moore	PROPN
issue-856	172	11	,	,	PUNCT
issue-856	172	12	an	an	DET
issue-856	172	13	american	american	ADJ
issue-856	172	14	organizational	organizational	ADJ
issue-856	172	15	theorist	theorist	NOUN
issue-856	172	16	,	,	PUNCT
issue-856	172	17	management	management	NOUN
issue-856	172	18	consultant	consultant	NOUN
issue-856	172	19	and	and	CCONJ
issue-856	172	20	author	author	NOUN
issue-856	172	21	,	,	PUNCT
issue-856	172	22	known	know	VERB
issue-856	172	23	for	for	ADP
issue-856	172	24	his	his	PRON
issue-856	172	25	work	work	NOUN
issue-856	172	26	“	"	PUNCT
issue-856	172	27	crossing	cross	VERB
issue-856	172	28	the	the	DET
issue-856	172	29	chasm	chasm	NOUN
issue-856	172	30	:	:	PUNCT
issue-856	172	31	marketing	marketing	NOUN
issue-856	172	32	and	and	CCONJ
issue-856	172	33	selling	sell	VERB
issue-856	172	34	high	high	ADJ
issue-856	172	35	-	-	PUNCT
issue-856	172	36	tech	tech	NOUN
issue-856	172	37	products	product	NOUN
issue-856	172	38	to	to	ADP
issue-856	172	39	mainstream	mainstream	VERB
issue-856	172	40	customers	customer	NOUN
issue-856	172	41	”	"	PUNCT
issue-856	172	42	(	(	PUNCT
issue-856	172	43	moore	moore	PROPN
issue-856	172	44	,	,	PUNCT
issue-856	172	45	2014	2014	NUM
issue-856	172	46	)	)	PUNCT
issue-856	172	47	.	.	PUNCT
issue-856	173	1	g.	g.	PROPN
issue-856	173	2	moore	moore	PROPN
issue-856	173	3	’s	’s	PART
issue-856	173	4	theory	theory	NOUN
issue-856	173	5	is	be	AUX
issue-856	173	6	called	call	VERB
issue-856	173	7	the	the	DET
issue-856	173	8	technology	technology	NOUN
issue-856	173	9	adoption	adoption	NOUN
issue-856	173	10	lifecycle	lifecycle	NOUN
issue-856	173	11	,	,	PUNCT
issue-856	173	12	which	which	PRON
issue-856	173	13	is	be	AUX
issue-856	173	14	based	base	VERB
issue-856	173	15	on	on	ADP
issue-856	173	16	the	the	DET
issue-856	173	17	division	division	NOUN
issue-856	173	18	of	of	ADP
issue-856	173	19	consumers	consumer	NOUN
issue-856	173	20	into	into	ADP
issue-856	173	21	five	five	NUM
issue-856	173	22	categories	category	NOUN
issue-856	173	23	.	.	PUNCT
issue-856	174	1	the	the	DET
issue-856	174	2	highlighted	highlight	VERB
issue-856	174	3	approach	approach	NOUN
issue-856	174	4	is	be	AUX
issue-856	174	5	still	still	ADV
issue-856	174	6	being	be	AUX
issue-856	174	7	taken	take	VERB
issue-856	174	8	as	as	ADP
issue-856	174	9	a	a	DET
issue-856	174	10	basis	basis	NOUN
issue-856	174	11	for	for	ADP
issue-856	174	12	promoting	promote	VERB
issue-856	174	13	innovative	innovative	ADJ
issue-856	174	14	solutions	solution	NOUN
issue-856	174	15	,	,	PUNCT
issue-856	174	16	and	and	CCONJ
issue-856	174	17	in	in	ADP
issue-856	174	18	the	the	DET
issue-856	174	19	fintech	fintech	NOUN
issue-856	174	20	industry	industry	NOUN
issue-856	174	21	as	as	ADV
issue-856	174	22	well	well	ADV
issue-856	174	23	.	.	PUNCT
issue-856	175	1	from	from	ADP
issue-856	175	2	table	table	NOUN
issue-856	175	3	1	1	NUM
issue-856	175	4	rating	rating	NOUN
issue-856	175	5	of	of	ADP
issue-856	175	6	key	key	ADJ
issue-856	175	7	aspects	aspect	NOUN
issue-856	175	8	of	of	ADP
issue-856	175	9	the	the	DET
issue-856	175	10	fintech	fintech	NOUN
issue-856	175	11	industry	industry	NOUN
issue-856	175	12	development	development	NOUN
issue-856	175	13	in	in	ADP
issue-856	175	14	ukraine	ukraine	ADJ
issue-856	175	15	implementation	implementation	NOUN
issue-856	175	16	of	of	ADP
issue-856	175	17	non	non	ADJ
issue-856	175	18	-	-	ADJ
issue-856	175	19	represented	represented	ADJ
issue-856	175	20	or	or	CCONJ
issue-856	175	21	underrepresented	underrepresented	ADJ
issue-856	175	22	fintech	fintech	NOUN
issue-856	175	23	services	service	NOUN
issue-856	175	24	№	№	NOUN
issue-856	175	25	in	in	ADP
issue-856	175	26	terms	term	NOUN
issue-856	175	27	of	of	ADP
issue-856	175	28	fintech	fintech	NOUN
issue-856	175	29	companies	company	NOUN
issue-856	175	30	in	in	ADP
issue-856	175	31	terms	term	NOUN
issue-856	175	32	of	of	ADP
issue-856	175	33	banks	bank	NOUN
issue-856	175	34	1	1	NUM
issue-856	175	35	cross	cross	ADJ
issue-856	175	36	-	-	ADJ
issue-856	175	37	border	border	ADJ
issue-856	175	38	payments	payment	NOUN
issue-856	175	39	for	for	ADP
issue-856	175	40	individuals	individual	NOUN
issue-856	175	41	and	and	CCONJ
issue-856	175	42	small	small	ADJ
issue-856	175	43	and	and	CCONJ
issue-856	175	44	mediumsized	mediumsized	ADJ
issue-856	175	45	businesses	business	NOUN
issue-856	175	46	online	online	ADJ
issue-856	175	47	payments	payment	NOUN
issue-856	175	48	directly	directly	ADV
issue-856	175	49	from	from	ADP
issue-856	175	50	a	a	DET
issue-856	175	51	bank	bank	NOUN
issue-856	175	52	account	account	NOUN
issue-856	175	53	2	2	NUM
issue-856	175	54	providing	provide	VERB
issue-856	175	55	digital	digital	ADJ
issue-856	175	56	financial	financial	ADJ
issue-856	175	57	services	service	NOUN
issue-856	175	58	to	to	ADP
issue-856	175	59	individuals	individual	NOUN
issue-856	175	60	who	who	PRON
issue-856	175	61	do	do	AUX
issue-856	175	62	not	not	PART
issue-856	175	63	have	have	VERB
issue-856	175	64	traditional	traditional	ADJ
issue-856	175	65	bank	bank	NOUN
issue-856	175	66	accounts	account	NOUN
issue-856	175	67	providing	provide	VERB
issue-856	175	68	digital	digital	ADJ
issue-856	175	69	financial	financial	ADJ
issue-856	175	70	services	service	NOUN
issue-856	175	71	to	to	ADP
issue-856	175	72	individuals	individual	NOUN
issue-856	175	73	who	who	PRON
issue-856	175	74	do	do	AUX
issue-856	175	75	not	not	PART
issue-856	175	76	have	have	VERB
issue-856	175	77	traditional	traditional	ADJ
issue-856	175	78	bank	bank	NOUN
issue-856	175	79	accounts	account	VERB
issue-856	175	80	3	3	NUM
issue-856	175	81	electronic	electronic	ADJ
issue-856	175	82	invoicing	invoicing	NOUN
issue-856	175	83	online	online	NOUN
issue-856	175	84	shopping	shopping	NOUN
issue-856	175	85	lending	lend	VERB
issue-856	175	86	major	major	ADJ
issue-856	175	87	obstacles	obstacle	NOUN
issue-856	175	88	to	to	ADP
issue-856	175	89	financial	financial	ADJ
issue-856	175	90	technology	technology	NOUN
issue-856	175	91	development	development	NOUN
issue-856	175	92	1	1	NUM
issue-856	175	93	outdated	outdated	ADJ
issue-856	175	94	and	and	CCONJ
issue-856	175	95	unfavorable	unfavorable	ADJ
issue-856	175	96	legislation	legislation	NOUN
issue-856	175	97	the	the	DET
issue-856	175	98	cost	cost	NOUN
issue-856	175	99	of	of	ADP
issue-856	175	100	digital	digital	ADJ
issue-856	175	101	transformation	transformation	NOUN
issue-856	175	102	2	2	NUM
issue-856	175	103	partnership	partnership	NOUN
issue-856	175	104	problems	problem	NOUN
issue-856	175	105	with	with	ADP
issue-856	175	106	classic	classic	ADJ
issue-856	175	107	credit	credit	NOUN
issue-856	175	108	institutions	institution	NOUN
issue-856	175	109	complexity	complexity	NOUN
issue-856	175	110	of	of	ADP
issue-856	175	111	core	core	NOUN
issue-856	175	112	business	business	NOUN
issue-856	175	113	processes	process	VERB
issue-856	175	114	3	3	NUM
issue-856	175	115	low	low	ADJ
issue-856	175	116	level	level	NOUN
issue-856	175	117	of	of	ADP
issue-856	175	118	financial	financial	ADJ
issue-856	175	119	literacy	literacy	NOUN
issue-856	175	120	of	of	ADP
issue-856	175	121	the	the	DET
issue-856	175	122	population	population	NOUN
issue-856	175	123	outdated	outdate	VERB
issue-856	175	124	and	and	CCONJ
issue-856	175	125	unfavorable	unfavorable	ADJ
issue-856	175	126	legislation	legislation	NOUN
issue-856	175	127	legislative	legislative	ADJ
issue-856	175	128	reviews	review	NOUN
issue-856	175	129	required	require	VERB
issue-856	175	130	for	for	ADP
issue-856	175	131	fintech	fintech	NOUN
issue-856	175	132	industry	industry	NOUN
issue-856	175	133	development	development	NOUN
issue-856	175	134	1	1	NUM
issue-856	175	135	remote	remote	ADJ
issue-856	175	136	customer	customer	NOUN
issue-856	175	137	identification	identification	NOUN
issue-856	175	138	remote	remote	ADJ
issue-856	175	139	customer	customer	NOUN
issue-856	175	140	identification	identification	NOUN
issue-856	175	141	2	2	NUM
issue-856	175	142	electronic	electronic	ADJ
issue-856	175	143	money	money	NOUN
issue-856	175	144	digital	digital	ADJ
issue-856	175	145	payments	payment	NOUN
issue-856	175	146	from	from	ADP
issue-856	175	147	government	government	NOUN
issue-856	175	148	agencies	agency	NOUN
issue-856	175	149	and	and	CCONJ
issue-856	175	150	in	in	ADP
issue-856	175	151	their	their	PRON
issue-856	175	152	favor	favor	NOUN
issue-856	175	153	3	3	NUM
issue-856	175	154	licensing	licensing	NOUN
issue-856	175	155	ais	ais	PROPN
issue-856	175	156	(	(	PUNCT
issue-856	175	157	account	account	NOUN
issue-856	175	158	information	information	NOUN
issue-856	175	159	services	service	NOUN
issue-856	175	160	)	)	PUNCT
issue-856	175	161	and	and	CCONJ
issue-856	175	162	pis	pis	INTJ
issue-856	175	163	(	(	PUNCT
issue-856	175	164	payment	payment	NOUN
issue-856	175	165	initiation	initiation	NOUN
issue-856	175	166	services	service	NOUN
issue-856	175	167	)	)	PUNCT
issue-856	175	168	p2p	p2p	NOUN
issue-856	175	169	lending	lending	NOUN
issue-856	175	170	regulation	regulation	NOUN
issue-856	175	171	source	source	NOUN
issue-856	175	172	:	:	PUNCT
issue-856	175	173	built	build	VERB
issue-856	175	174	by	by	ADP
issue-856	175	175	authors	author	NOUN
issue-856	175	176	based	base	VERB
issue-856	175	177	on	on	ADP
issue-856	175	178	(	(	PUNCT
issue-856	175	179	usaid	usaid	ADJ
issue-856	175	180	,	,	PUNCT
issue-856	175	181	2019	2019	NUM
issue-856	175	182	)	)	PUNCT
issue-856	175	183	baltic	baltic	ADJ
issue-856	175	184	journal	journal	NOUN
issue-856	175	185	of	of	ADP
issue-856	175	186	economic	economic	ADJ
issue-856	175	187	studies	study	NOUN
issue-856	175	188	52	52	NUM
issue-856	175	189	vol	vol	NOUN
issue-856	175	190	.	.	PROPN
issue-856	176	1	6	6	NUM
issue-856	176	2	,	,	PUNCT
issue-856	176	3	no	no	INTJ
issue-856	176	4	.	.	NOUN
issue-856	176	5	4	4	NUM
issue-856	176	6	,	,	PUNCT
issue-856	176	7	2020	2020	NUM
issue-856	176	8	this	this	DET
issue-856	176	9	point	point	NOUN
issue-856	176	10	of	of	ADP
issue-856	176	11	view	view	NOUN
issue-856	176	12	,	,	PUNCT
issue-856	176	13	we	we	PRON
issue-856	176	14	believe	believe	VERB
issue-856	176	15	that	that	SCONJ
issue-856	176	16	this	this	DET
issue-856	176	17	approach	approach	NOUN
issue-856	176	18	quite	quite	ADV
issue-856	176	19	logically	logically	ADV
issue-856	176	20	describes	describe	VERB
issue-856	176	21	the	the	DET
issue-856	176	22	stages	stage	NOUN
issue-856	176	23	of	of	ADP
issue-856	176	24	promotion	promotion	NOUN
issue-856	176	25	of	of	ADP
issue-856	176	26	innovative	innovative	ADJ
issue-856	176	27	solutions	solution	NOUN
issue-856	176	28	in	in	ADP
issue-856	176	29	the	the	DET
issue-856	176	30	fintech	fintech	NOUN
issue-856	176	31	industry	industry	NOUN
issue-856	176	32	(	(	PUNCT
issue-856	176	33	figure	figure	NOUN
issue-856	176	34	2	2	NUM
issue-856	176	35	)	)	PUNCT
issue-856	176	36	.	.	PUNCT
issue-856	177	1	there	there	PRON
issue-856	177	2	are	be	VERB
issue-856	177	3	two	two	NUM
issue-856	177	4	types	type	NOUN
issue-856	177	5	of	of	ADP
issue-856	177	6	innovations	innovation	NOUN
issue-856	177	7	:	:	PUNCT
issue-856	177	8	discontinuous	discontinuous	ADJ
issue-856	177	9	,	,	PUNCT
issue-856	177	10	which	which	PRON
issue-856	177	11	require	require	VERB
issue-856	177	12	society	society	NOUN
issue-856	177	13	to	to	PART
issue-856	177	14	change	change	VERB
issue-856	177	15	habits	habit	NOUN
issue-856	177	16	,	,	PUNCT
issue-856	177	17	and	and	CCONJ
issue-856	177	18	continuous	continuous	ADJ
issue-856	177	19	,	,	PUNCT
issue-856	177	20	which	which	PRON
issue-856	177	21	upgrade	upgrade	VERB
issue-856	177	22	products	product	NOUN
issue-856	177	23	but	but	CCONJ
issue-856	177	24	does	do	AUX
issue-856	177	25	not	not	PART
issue-856	177	26	change	change	VERB
issue-856	177	27	the	the	DET
issue-856	177	28	usual	usual	ADJ
issue-856	177	29	course	course	NOUN
issue-856	177	30	of	of	ADP
issue-856	177	31	action	action	NOUN
issue-856	177	32	.	.	PUNCT
issue-856	178	1	in	in	ADP
issue-856	178	2	the	the	DET
issue-856	178	3	study	study	NOUN
issue-856	178	4	of	of	ADP
issue-856	178	5	the	the	DET
issue-856	178	6	global	global	ADJ
issue-856	178	7	fintech	fintech	PROPN
issue-856	178	8	adoption	adoption	NOUN
issue-856	178	9	index	index	NOUN
issue-856	178	10	2019	2019	NUM
issue-856	178	11	,	,	PUNCT
issue-856	178	12	it	it	PRON
issue-856	178	13	is	be	AUX
issue-856	178	14	proposed	propose	VERB
issue-856	178	15	to	to	PART
issue-856	178	16	distinguish	distinguish	VERB
issue-856	178	17	two	two	NUM
issue-856	178	18	types	type	NOUN
issue-856	178	19	of	of	ADP
issue-856	178	20	fintech	fintech	NOUN
issue-856	178	21	services	service	NOUN
issue-856	178	22	:	:	PUNCT
issue-856	178	23	transformed	transform	VERB
issue-856	178	24	and	and	CCONJ
issue-856	178	25	invented	invent	VERB
issue-856	178	26	.	.	PUNCT
issue-856	179	1	thus	thus	ADV
issue-856	179	2	,	,	PUNCT
issue-856	179	3	in	in	ADP
issue-856	179	4	order	order	NOUN
issue-856	179	5	to	to	PART
issue-856	179	6	provide	provide	VERB
issue-856	179	7	the	the	DET
issue-856	179	8	first	first	ADJ
issue-856	179	9	type	type	NOUN
issue-856	179	10	of	of	ADP
issue-856	179	11	services	service	NOUN
issue-856	179	12	,	,	PUNCT
issue-856	179	13	which	which	PRON
issue-856	179	14	are	be	AUX
issue-856	179	15	traditionally	traditionally	ADV
issue-856	179	16	offered	offer	VERB
issue-856	179	17	by	by	ADP
issue-856	179	18	classic	classic	ADJ
issue-856	179	19	financial	financial	ADJ
issue-856	179	20	institutions	institution	NOUN
issue-856	179	21	,	,	PUNCT
issue-856	179	22	fintech	fintech	NOUN
issue-856	179	23	providers	provider	NOUN
issue-856	179	24	use	use	VERB
issue-856	179	25	technology	technology	NOUN
issue-856	179	26	to	to	PART
issue-856	179	27	transform	transform	VERB
issue-856	179	28	these	these	DET
issue-856	179	29	services	service	NOUN
issue-856	179	30	,	,	PUNCT
issue-856	179	31	offering	offer	VERB
issue-856	179	32	consumers	consumer	NOUN
issue-856	179	33	a	a	DET
issue-856	179	34	more	more	ADV
issue-856	179	35	attractive	attractive	ADJ
issue-856	179	36	ones	one	NOUN
issue-856	179	37	(	(	PUNCT
issue-856	179	38	extended	extended	ADJ
issue-856	179	39	capabilities	capability	NOUN
issue-856	179	40	,	,	PUNCT
issue-856	179	41	greater	great	ADJ
issue-856	179	42	efficiency	efficiency	NOUN
issue-856	179	43	,	,	PUNCT
issue-856	179	44	lower	low	ADJ
issue-856	179	45	rates	rate	NOUN
issue-856	179	46	,	,	PUNCT
issue-856	179	47	etc	etc	X
issue-856	179	48	.	.	X
issue-856	179	49	)	)	PUNCT
issue-856	179	50	.	.	PUNCT
issue-856	180	1	invented	invent	VERB
issue-856	180	2	services	service	NOUN
issue-856	180	3	have	have	AUX
issue-856	180	4	not	not	PART
issue-856	180	5	existed	exist	VERB
issue-856	180	6	before	before	ADV
issue-856	180	7	,	,	PUNCT
issue-856	180	8	but	but	CCONJ
issue-856	180	9	they	they	PRON
issue-856	180	10	have	have	AUX
issue-856	180	11	become	become	VERB
issue-856	180	12	possible	possible	ADJ
issue-856	180	13	due	due	ADP
issue-856	180	14	to	to	ADP
issue-856	180	15	technology	technology	NOUN
issue-856	180	16	(	(	PUNCT
issue-856	180	17	p2p	p2p	NOUN
issue-856	180	18	-	-	PUNCT
issue-856	180	19	lending	lending	NOUN
issue-856	180	20	,	,	PUNCT
issue-856	180	21	e	e	NOUN
issue-856	180	22	-	-	NOUN
issue-856	180	23	wallets	wallet	NOUN
issue-856	180	24	,	,	PUNCT
issue-856	180	25	mobile	mobile	ADJ
issue-856	180	26	payments	payment	NOUN
issue-856	180	27	,	,	PUNCT
issue-856	180	28	etc	etc	X
issue-856	180	29	.	.	X
issue-856	180	30	)	)	PUNCT
issue-856	181	1	(	(	PUNCT
issue-856	181	2	ernst	ernst	PROPN
issue-856	181	3	&	&	CCONJ
issue-856	181	4	young	young	PROPN
issue-856	181	5	,	,	PUNCT
issue-856	181	6	2019	2019	NUM
issue-856	181	7	)	)	PUNCT
issue-856	181	8	.	.	PUNCT
issue-856	182	1	the	the	DET
issue-856	182	2	chasm	chasm	ADJ
issue-856	182	3	theory	theory	NOUN
issue-856	182	4	concerns	concern	VERB
issue-856	182	5	discontinuous	discontinuous	ADJ
issue-856	182	6	innovations	innovation	NOUN
issue-856	182	7	and	and	CCONJ
issue-856	182	8	invented	invent	VERB
issue-856	182	9	services	service	NOUN
issue-856	182	10	.	.	PUNCT
issue-856	183	1	fintech	fintech	NOUN
issue-856	183	2	providers	provider	NOUN
issue-856	183	3	have	have	VERB
issue-856	183	4	to	to	PART
issue-856	183	5	fight	fight	VERB
issue-856	183	6	the	the	DET
issue-856	183	7	inertia	inertia	NOUN
issue-856	183	8	of	of	ADP
issue-856	183	9	potential	potential	ADJ
issue-856	183	10	buyers	buyer	NOUN
issue-856	183	11	to	to	PART
issue-856	183	12	convince	convince	VERB
issue-856	183	13	the	the	DET
issue-856	183	14	majority	majority	NOUN
issue-856	183	15	to	to	PART
issue-856	183	16	change	change	VERB
issue-856	183	17	their	their	PRON
issue-856	183	18	usual	usual	ADJ
issue-856	183	19	way	way	NOUN
issue-856	183	20	of	of	ADP
issue-856	183	21	life	life	NOUN
issue-856	183	22	.	.	PUNCT
issue-856	184	1	as	as	SCONJ
issue-856	184	2	we	we	PRON
issue-856	184	3	can	can	AUX
issue-856	184	4	see	see	VERB
issue-856	184	5	,	,	PUNCT
issue-856	184	6	society	society	NOUN
issue-856	184	7	’s	’s	PART
issue-856	184	8	acceptance	acceptance	NOUN
issue-856	184	9	of	of	ADP
issue-856	184	10	technological	technological	ADJ
issue-856	184	11	innovations	innovation	NOUN
issue-856	184	12	takes	take	VERB
issue-856	184	13	time	time	NOUN
issue-856	184	14	.	.	PUNCT
issue-856	185	1	due	due	ADP
issue-856	185	2	to	to	ADP
issue-856	185	3	different	different	ADJ
issue-856	185	4	attitudes	attitude	NOUN
issue-856	185	5	to	to	ADP
issue-856	185	6	innovation	innovation	NOUN
issue-856	185	7	,	,	PUNCT
issue-856	185	8	this	this	DET
issue-856	185	9	process	process	NOUN
issue-856	185	10	takes	take	VERB
issue-856	185	11	place	place	NOUN
issue-856	185	12	in	in	ADP
issue-856	185	13	stages	stage	NOUN
issue-856	185	14	,	,	PUNCT
issue-856	185	15	moving	move	VERB
issue-856	185	16	from	from	ADP
issue-856	185	17	one	one	NUM
issue-856	185	18	category	category	NOUN
issue-856	185	19	of	of	ADP
issue-856	185	20	consumers	consumer	NOUN
issue-856	185	21	to	to	ADP
issue-856	185	22	another	another	PRON
issue-856	185	23	.	.	PUNCT
issue-856	186	1	therefore	therefore	ADV
issue-856	186	2	,	,	PUNCT
issue-856	186	3	the	the	DET
issue-856	186	4	first	first	ADJ
issue-856	186	5	to	to	PART
issue-856	186	6	accept	accept	VERB
issue-856	186	7	new	new	ADJ
issue-856	186	8	products	product	NOUN
issue-856	186	9	are	be	AUX
issue-856	186	10	technical	technical	ADJ
issue-856	186	11	enthusiasts	enthusiast	NOUN
issue-856	186	12	or	or	CCONJ
issue-856	186	13	innova	innova	PROPN
issue-856	186	14	-	-	PUNCT
issue-856	186	15	tors	tor	NOUN
issue-856	186	16	for	for	ADP
issue-856	186	17	whom	whom	PRON
issue-856	186	18	fintech	fintech	NOUN
issue-856	186	19	is	be	AUX
issue-856	186	20	a	a	DET
issue-856	186	21	hobby	hobby	NOUN
issue-856	186	22	or	or	CCONJ
issue-856	186	23	part	part	NOUN
issue-856	186	24	of	of	ADP
issue-856	186	25	doing	do	VERB
issue-856	186	26	business	business	NOUN
issue-856	186	27	.	.	PUNCT
issue-856	187	1	later	later	ADV
issue-856	187	2	,	,	PUNCT
issue-856	187	3	visionaries	visionary	NOUN
issue-856	187	4	or	or	CCONJ
issue-856	187	5	early	early	ADJ
issue-856	187	6	adopters	adopter	NOUN
issue-856	187	7	join	join	VERB
issue-856	187	8	,	,	PUNCT
issue-856	187	9	who	who	PRON
issue-856	187	10	are	be	AUX
issue-856	187	11	interested	interested	ADJ
issue-856	187	12	in	in	ADP
issue-856	187	13	the	the	DET
issue-856	187	14	competitive	competitive	ADJ
issue-856	187	15	advantages	advantage	NOUN
issue-856	187	16	of	of	ADP
issue-856	187	17	an	an	DET
issue-856	187	18	innovative	innovative	ADJ
issue-856	187	19	product	product	NOUN
issue-856	187	20	.	.	PUNCT
issue-856	188	1	consumers	consumer	NOUN
issue-856	188	2	of	of	ADP
issue-856	188	3	the	the	DET
issue-856	188	4	first	first	ADJ
issue-856	188	5	two	two	NUM
issue-856	188	6	groups	group	NOUN
issue-856	188	7	form	form	VERB
issue-856	188	8	a	a	DET
issue-856	188	9	small	small	ADJ
issue-856	188	10	primary	primary	ADJ
issue-856	188	11	market	market	NOUN
issue-856	188	12	,	,	PUNCT
issue-856	188	13	the	the	DET
issue-856	188	14	audience	audience	NOUN
issue-856	188	15	of	of	ADP
issue-856	188	16	which	which	PRON
issue-856	188	17	is	be	AUX
issue-856	188	18	up	up	ADP
issue-856	188	19	to	to	PART
issue-856	188	20	16	16	NUM
issue-856	188	21	%	%	NOUN
issue-856	188	22	of	of	ADP
issue-856	188	23	all	all	DET
issue-856	188	24	potential	potential	ADJ
issue-856	188	25	customers	customer	NOUN
issue-856	188	26	.	.	PUNCT
issue-856	189	1	if	if	SCONJ
issue-856	189	2	a	a	DET
issue-856	189	3	product	product	NOUN
issue-856	189	4	or	or	CCONJ
issue-856	189	5	service	service	NOUN
issue-856	189	6	proves	prove	VERB
issue-856	189	7	its	its	PRON
issue-856	189	8	effectiveness	effectiveness	NOUN
issue-856	189	9	,	,	PUNCT
issue-856	189	10	enthusiasts	enthusiast	NOUN
issue-856	189	11	and	and	CCONJ
issue-856	189	12	visionaries	visionary	NOUN
issue-856	189	13	are	be	AUX
issue-856	189	14	joined	join	VERB
issue-856	189	15	by	by	ADP
issue-856	189	16	pragmatists	pragmatist	NOUN
issue-856	189	17	(	(	PUNCT
issue-856	189	18	“	"	PUNCT
issue-856	189	19	the	the	DET
issue-856	189	20	early	early	ADJ
issue-856	189	21	majority	majority	NOUN
issue-856	189	22	”	"	PUNCT
issue-856	189	23	)	)	PUNCT
issue-856	189	24	,	,	PUNCT
issue-856	189	25	who	who	PRON
issue-856	189	26	make	make	VERB
issue-856	189	27	up	up	ADP
issue-856	189	28	approximately	approximately	ADV
issue-856	189	29	a	a	DET
issue-856	189	30	third	third	NOUN
issue-856	189	31	of	of	ADP
issue-856	189	32	the	the	DET
issue-856	189	33	market	market	NOUN
issue-856	189	34	.	.	PUNCT
issue-856	190	1	unlike	unlike	ADP
issue-856	190	2	previous	previous	ADJ
issue-856	190	3	categories	category	NOUN
issue-856	190	4	of	of	ADP
issue-856	190	5	consumers	consumer	NOUN
issue-856	190	6	,	,	PUNCT
issue-856	190	7	they	they	PRON
issue-856	190	8	do	do	AUX
issue-856	190	9	not	not	PART
issue-856	190	10	seek	seek	VERB
issue-856	190	11	significant	significant	ADJ
issue-856	190	12	changes	change	NOUN
issue-856	190	13	,	,	PUNCT
issue-856	190	14	but	but	CCONJ
issue-856	190	15	need	need	VERB
issue-856	190	16	stable	stable	ADJ
issue-856	190	17	benefits	benefit	NOUN
issue-856	190	18	of	of	ADP
issue-856	190	19	an	an	DET
issue-856	190	20	innovative	innovative	ADJ
issue-856	190	21	product	product	NOUN
issue-856	190	22	.	.	PUNCT
issue-856	191	1	for	for	ADP
issue-856	191	2	fintech	fintech	NOUN
issue-856	191	3	companies	company	NOUN
issue-856	191	4	,	,	PUNCT
issue-856	191	5	pragmatists	pragmatist	NOUN
issue-856	191	6	are	be	AUX
issue-856	191	7	able	able	ADJ
issue-856	191	8	to	to	PART
issue-856	191	9	become	become	VERB
issue-856	191	10	extremely	extremely	ADV
issue-856	191	11	loyal	loyal	ADJ
issue-856	191	12	customers	customer	NOUN
issue-856	191	13	.	.	PUNCT
issue-856	192	1	so	so	ADV
issue-856	192	2	by	by	ADP
issue-856	192	3	enlisting	enlist	VERB
issue-856	192	4	their	their	PRON
issue-856	192	5	support	support	NOUN
issue-856	192	6	,	,	PUNCT
issue-856	192	7	fintech	fintech	NOUN
issue-856	192	8	providers	provider	NOUN
issue-856	192	9	gain	gain	VERB
issue-856	192	10	access	access	NOUN
issue-856	192	11	to	to	ADP
issue-856	192	12	long	long	ADJ
issue-856	192	13	-	-	PUNCT
issue-856	192	14	term	term	NOUN
issue-856	192	15	market	market	NOUN
issue-856	192	16	dominance	dominance	NOUN
issue-856	192	17	.	.	PUNCT
issue-856	193	1	the	the	DET
issue-856	193	2	fourth	fourth	ADJ
issue-856	193	3	group	group	NOUN
issue-856	193	4	–	–	PUNCT
issue-856	193	5	conservatives	conservative	NOUN
issue-856	193	6	or	or	CCONJ
issue-856	193	7	“	"	PUNCT
issue-856	193	8	the	the	DET
issue-856	193	9	late	late	ADJ
issue-856	193	10	majority	majority	NOUN
issue-856	193	11	”	"	PUNCT
issue-856	193	12	–	–	PUNCT
issue-856	193	13	is	be	AUX
issue-856	193	14	similar	similar	ADJ
issue-856	193	15	in	in	ADP
issue-856	193	16	market	market	NOUN
issue-856	193	17	coverage	coverage	NOUN
issue-856	193	18	to	to	ADP
issue-856	193	19	the	the	DET
issue-856	193	20	previous	previous	ADJ
issue-856	193	21	one	one	NUM
issue-856	193	22	,	,	PUNCT
issue-856	193	23	but	but	CCONJ
issue-856	193	24	consumers	consumer	NOUN
issue-856	193	25	in	in	ADP
issue-856	193	26	this	this	DET
issue-856	193	27	segment	segment	NOUN
issue-856	193	28	are	be	AUX
issue-856	193	29	suspicious	suspicious	ADJ
issue-856	193	30	of	of	ADP
issue-856	193	31	high	high	ADJ
issue-856	193	32	technology	technology	NOUN
issue-856	193	33	.	.	PUNCT
issue-856	194	1	they	they	PRON
issue-856	194	2	prefer	prefer	VERB
issue-856	194	3	simple	simple	ADJ
issue-856	194	4	and	and	CCONJ
issue-856	194	5	high	high	ADJ
issue-856	194	6	-	-	PUNCT
issue-856	194	7	quality	quality	NOUN
issue-856	194	8	goods	good	NOUN
issue-856	194	9	and	and	CCONJ
issue-856	194	10	services	service	NOUN
issue-856	194	11	,	,	PUNCT
issue-856	194	12	so	so	SCONJ
issue-856	194	13	they	they	PRON
issue-856	194	14	are	be	AUX
issue-856	194	15	pes	pe	NOUN
issue-856	194	16	-	-	PUNCT
issue-856	194	17	simistic	simistic	ADJ
issue-856	194	18	about	about	ADP
issue-856	194	19	the	the	DET
issue-856	194	20	benefits	benefit	NOUN
issue-856	194	21	that	that	PRON
issue-856	194	22	technology	technology	NOUN
issue-856	194	23	will	will	AUX
issue-856	194	24	bring	bring	VERB
issue-856	194	25	them	they	PRON
issue-856	194	26	.	.	PUNCT
issue-856	195	1	eventually	eventually	ADV
issue-856	195	2	,	,	PUNCT
issue-856	195	3	conservatives	conservative	NOUN
issue-856	195	4	bring	bring	VERB
issue-856	195	5	fintech	fintech	NOUN
issue-856	195	6	products	product	NOUN
issue-856	195	7	to	to	ADP
issue-856	195	8	their	their	PRON
issue-856	195	9	lives	life	NOUN
issue-856	195	10	because	because	SCONJ
issue-856	195	11	they	they	PRON
issue-856	195	12	realize	realize	VERB
issue-856	195	13	that	that	SCONJ
issue-856	195	14	technological	technological	ADJ
issue-856	195	15	innovations	innovation	NOUN
issue-856	195	16	are	be	AUX
issue-856	195	17	becoming	become	VERB
issue-856	195	18	an	an	DET
issue-856	195	19	integral	integral	ADJ
issue-856	195	20	part	part	NOUN
issue-856	195	21	of	of	ADP
issue-856	195	22	life	life	NOUN
issue-856	195	23	and	and	CCONJ
issue-856	195	24	business	business	NOUN
issue-856	195	25	and	and	CCONJ
issue-856	195	26	can	can	AUX
issue-856	195	27	pass	pass	VERB
issue-856	195	28	them	they	PRON
issue-856	195	29	by	by	ADP
issue-856	195	30	.	.	PUNCT
issue-856	196	1	the	the	DET
issue-856	196	2	last	last	ADJ
issue-856	196	3	group	group	NOUN
issue-856	196	4	of	of	ADP
issue-856	196	5	consumers	consumer	NOUN
issue-856	196	6	is	be	AUX
issue-856	196	7	skeptics	skeptic	NOUN
issue-856	196	8	,	,	PUNCT
issue-856	196	9	who	who	PRON
issue-856	196	10	occupy	occupy	VERB
issue-856	196	11	a	a	DET
issue-856	196	12	small	small	ADJ
issue-856	196	13	market	market	NOUN
issue-856	196	14	segment	segment	NOUN
issue-856	196	15	that	that	PRON
issue-856	196	16	is	be	AUX
issue-856	196	17	resistant	resistant	ADJ
issue-856	196	18	to	to	ADP
issue-856	196	19	the	the	DET
issue-856	196	20	influence	influence	NOUN
issue-856	196	21	of	of	ADP
issue-856	196	22	new	new	ADJ
issue-856	196	23	technologies	technology	NOUN
issue-856	196	24	.	.	PUNCT
issue-856	197	1	fintech	fintech	NOUN
issue-856	197	2	companies	company	NOUN
issue-856	197	3	often	often	ADV
issue-856	197	4	do	do	AUX
issue-856	197	5	not	not	PART
issue-856	197	6	take	take	VERB
issue-856	197	7	this	this	DET
issue-856	197	8	category	category	NOUN
issue-856	197	9	into	into	ADP
issue-856	197	10	account	account	NOUN
issue-856	197	11	as	as	ADP
issue-856	197	12	customers	customer	NOUN
issue-856	197	13	;	;	PUNCT
issue-856	197	14	on	on	ADP
issue-856	197	15	the	the	DET
issue-856	197	16	other	other	ADJ
issue-856	197	17	hand	hand	NOUN
issue-856	197	18	,	,	PUNCT
issue-856	197	19	they	they	PRON
issue-856	197	20	are	be	AUX
issue-856	197	21	the	the	DET
issue-856	197	22	biggest	big	ADJ
issue-856	197	23	critics	critic	NOUN
issue-856	197	24	of	of	ADP
issue-856	197	25	innovations	innovation	NOUN
issue-856	197	26	and	and	CCONJ
issue-856	197	27	can	can	AUX
issue-856	197	28	answer	answer	VERB
issue-856	197	29	why	why	SCONJ
issue-856	197	30	the	the	DET
issue-856	197	31	product	product	NOUN
issue-856	197	32	does	do	AUX
issue-856	197	33	not	not	PART
issue-856	197	34	meet	meet	VERB
issue-856	197	35	their	their	PRON
issue-856	197	36	expectations	expectation	NOUN
issue-856	197	37	(	(	PUNCT
issue-856	197	38	moore	moore	PROPN
issue-856	197	39	,	,	PUNCT
issue-856	197	40	2014	2014	NUM
issue-856	197	41	)	)	PUNCT
issue-856	197	42	.	.	PUNCT
issue-856	198	1	the	the	DET
issue-856	198	2	gap	gap	NOUN
issue-856	198	3	that	that	PRON
issue-856	198	4	exists	exist	VERB
issue-856	198	5	between	between	ADP
issue-856	198	6	visionaries	visionary	NOUN
issue-856	198	7	and	and	CCONJ
issue-856	198	8	pragmatists	pragmatist	NOUN
issue-856	198	9	is	be	AUX
issue-856	198	10	due	due	ADJ
issue-856	198	11	to	to	ADP
issue-856	198	12	innovations	innovation	NOUN
issue-856	198	13	that	that	PRON
issue-856	198	14	require	require	VERB
issue-856	198	15	significant	significant	ADJ
issue-856	198	16	behavioral	behavioral	ADJ
issue-856	198	17	changes	change	NOUN
issue-856	198	18	from	from	ADP
issue-856	198	19	the	the	DET
issue-856	198	20	consumer	consumer	NOUN
issue-856	198	21	.	.	PUNCT
issue-856	199	1	such	such	ADJ
issue-856	199	2	products	product	NOUN
issue-856	199	3	and	and	CCONJ
issue-856	199	4	services	service	NOUN
issue-856	199	5	fall	fall	VERB
issue-856	199	6	into	into	ADP
issue-856	199	7	the	the	DET
issue-856	199	8	so	so	ADV
issue-856	199	9	-	-	PUNCT
issue-856	199	10	called	call	VERB
issue-856	199	11	“	"	PUNCT
issue-856	199	12	chasm	chasm	NOUN
issue-856	199	13	”	"	PUNCT
issue-856	199	14	that	that	PRON
issue-856	199	15	separates	separate	VERB
issue-856	199	16	the	the	DET
issue-856	199	17	early	early	ADJ
issue-856	199	18	and	and	CCONJ
issue-856	199	19	main	main	ADJ
issue-856	199	20	markets	market	NOUN
issue-856	199	21	.	.	PUNCT
issue-856	200	1	pragmatists	pragmatist	NOUN
issue-856	200	2	seek	seek	VERB
issue-856	200	3	consistency	consistency	NOUN
issue-856	200	4	and	and	CCONJ
issue-856	200	5	productivity	productivity	NOUN
issue-856	200	6	,	,	PUNCT
issue-856	200	7	but	but	CCONJ
issue-856	200	8	try	try	VERB
issue-856	200	9	to	to	PART
issue-856	200	10	avoid	avoid	VERB
issue-856	200	11	global	global	ADJ
issue-856	200	12	innovations	innovation	NOUN
issue-856	200	13	.	.	PUNCT
issue-856	201	1	therefore	therefore	ADV
issue-856	201	2	,	,	PUNCT
issue-856	201	3	the	the	DET
issue-856	201	4	gap	gap	NOUN
issue-856	201	5	arises	arise	VERB
issue-856	201	6	when	when	SCONJ
issue-856	201	7	an	an	DET
issue-856	201	8	innovative	innovative	ADJ
issue-856	201	9	product	product	NOUN
issue-856	201	10	,	,	PUNCT
issue-856	201	11	from	from	ADP
issue-856	201	12	their	their	PRON
issue-856	201	13	point	point	NOUN
issue-856	201	14	of	of	ADP
issue-856	201	15	view	view	NOUN
issue-856	201	16	,	,	PUNCT
issue-856	201	17	can	can	AUX
issue-856	201	18	-	-	PUNCT
issue-856	201	19	not	not	PART
issue-856	201	20	be	be	AUX
issue-856	201	21	used	use	VERB
issue-856	201	22	as	as	ADP
issue-856	201	23	something	something	PRON
issue-856	201	24	significantly	significantly	ADV
issue-856	201	25	useful	useful	ADJ
issue-856	201	26	that	that	PRON
issue-856	201	27	expands	expand	VERB
issue-856	201	28	opportunities	opportunity	NOUN
issue-856	201	29	and	and	CCONJ
issue-856	201	30	simpli	simpli	NOUN
issue-856	201	31	-	-	PUNCT
issue-856	201	32	fies	fie	NOUN
issue-856	201	33	life	life	NOUN
issue-856	201	34	,	,	PUNCT
issue-856	201	35	but	but	CCONJ
issue-856	201	36	is	be	AUX
issue-856	201	37	positioned	position	VERB
issue-856	201	38	only	only	ADV
issue-856	201	39	as	as	ADP
issue-856	201	40	a	a	DET
issue-856	201	41	fundamentally	fundamentally	ADV
issue-856	201	42	new	new	ADJ
issue-856	201	43	and	and	CCONJ
issue-856	201	44	high	high	ADJ
issue-856	201	45	-	-	PUNCT
issue-856	201	46	tech	tech	NOUN
issue-856	201	47	product	product	NOUN
issue-856	201	48	.	.	PUNCT
issue-856	202	1	as	as	ADP
issue-856	202	2	a	a	DET
issue-856	202	3	result	result	NOUN
issue-856	202	4	,	,	PUNCT
issue-856	202	5	the	the	DET
issue-856	202	6	chasm	chasm	NOUN
issue-856	202	7	may	may	AUX
issue-856	202	8	lead	lead	VERB
issue-856	202	9	to	to	ADP
issue-856	202	10	a	a	DET
issue-856	202	11	refusal	refusal	NOUN
issue-856	202	12	to	to	PART
issue-856	202	13	adopt	adopt	VERB
issue-856	202	14	the	the	DET
issue-856	202	15	technology	technology	NOUN
issue-856	202	16	at	at	ADV
issue-856	202	17	all	all	ADV
issue-856	202	18	.	.	PUNCT
issue-856	203	1	another	another	DET
issue-856	203	2	obstacle	obstacle	NOUN
issue-856	203	3	may	may	AUX
issue-856	203	4	be	be	AUX
issue-856	203	5	the	the	DET
issue-856	203	6	crack	crack	NOUN
issue-856	203	7	between	between	ADP
issue-856	203	8	pragmatists	pragmatist	NOUN
issue-856	203	9	and	and	CCONJ
issue-856	203	10	conservatives	conservative	NOUN
issue-856	203	11	.	.	PUNCT
issue-856	204	1	it	it	PRON
issue-856	204	2	arises	arise	VERB
issue-856	204	3	primarily	primarily	ADV
issue-856	204	4	due	due	ADJ
issue-856	204	5	to	to	ADP
issue-856	204	6	insufficient	insufficient	ADJ
issue-856	204	7	technical	technical	ADJ
issue-856	204	8	and	and	CCONJ
issue-856	204	9	financial	financial	ADJ
issue-856	204	10	literacy	literacy	NOUN
issue-856	204	11	of	of	ADP
issue-856	204	12	the	the	DET
issue-856	204	13	latter	latter	ADJ
issue-856	204	14	.	.	PUNCT
issue-856	205	1	there	there	PRON
issue-856	205	2	-	-	PUNCT
issue-856	205	3	fore	fore	NOUN
issue-856	205	4	,	,	PUNCT
issue-856	205	5	when	when	SCONJ
issue-856	205	6	a	a	DET
issue-856	205	7	product	product	NOUN
issue-856	205	8	reaches	reach	VERB
issue-856	205	9	the	the	DET
issue-856	205	10	highest	high	ADJ
issue-856	205	11	point	point	NOUN
issue-856	205	12	of	of	ADP
issue-856	205	13	development	development	NOUN
issue-856	205	14	on	on	ADP
issue-856	205	15	the	the	DET
issue-856	205	16	market	market	NOUN
issue-856	205	17	,	,	PUNCT
issue-856	205	18	its	its	PRON
issue-856	205	19	application	application	NOUN
issue-856	205	20	should	should	AUX
issue-856	205	21	be	be	AUX
issue-856	205	22	as	as	ADV
issue-856	205	23	simple	simple	ADJ
issue-856	205	24	as	as	ADP
issue-856	205	25	possible	possible	ADJ
issue-856	205	26	so	so	SCONJ
issue-856	205	27	that	that	SCONJ
issue-856	205	28	it	it	PRON
issue-856	205	29	continues	continue	VERB
issue-856	205	30	to	to	PART
issue-856	205	31	be	be	AUX
issue-856	205	32	successful	successful	ADJ
issue-856	205	33	among	among	ADP
issue-856	205	34	less	less	ADV
issue-856	205	35	competent	competent	ADJ
issue-856	205	36	consumers	consumer	NOUN
issue-856	205	37	of	of	ADP
issue-856	205	38	fintech	fintech	NOUN
issue-856	205	39	services	service	NOUN
issue-856	205	40	.	.	PUNCT
issue-856	206	1	otherwise	otherwise	ADV
issue-856	206	2	,	,	PUNCT
issue-856	206	3	the	the	DET
issue-856	206	4	transition	transition	NOUN
issue-856	206	5	to	to	ADP
issue-856	206	6	conservatives	conservative	NOUN
issue-856	206	7	may	may	AUX
issue-856	206	8	not	not	PART
issue-856	206	9	happen	happen	VERB
issue-856	206	10	at	at	ADV
issue-856	206	11	all	all	ADV
issue-856	206	12	(	(	PUNCT
issue-856	206	13	moore	moore	PROPN
issue-856	206	14	,	,	PUNCT
issue-856	206	15	2014	2014	NUM
issue-856	206	16	)	)	PUNCT
issue-856	206	17	.	.	PUNCT
issue-856	207	1	in	in	ADP
issue-856	207	2	this	this	DET
issue-856	207	3	context	context	NOUN
issue-856	207	4	,	,	PUNCT
issue-856	207	5	it	it	PRON
issue-856	207	6	is	be	AUX
issue-856	207	7	necessary	necessary	ADJ
issue-856	207	8	to	to	PART
issue-856	207	9	consider	consider	VERB
issue-856	207	10	the	the	DET
issue-856	207	11	attitude	attitude	NOUN
issue-856	207	12	to	to	ADP
issue-856	207	13	innovation	innovation	NOUN
issue-856	207	14	of	of	ADP
issue-856	207	15	the	the	DET
issue-856	207	16	ukrainian	ukrainian	ADJ
issue-856	207	17	society	society	NOUN
issue-856	207	18	through	through	ADP
issue-856	207	19	the	the	DET
issue-856	207	20	ad	ad	NOUN
issue-856	207	21	op	op	NOUN
issue-856	207	22	tio	tio	NOUN
issue-856	207	23	n	n	DET
issue-856	207	24	time	time	NOUN
issue-856	208	1	c	c	NOUN
issue-856	208	2	h	h	PROPN
issue-856	208	3	a	a	DET
issue-856	208	4	sme	sme	PROPN
issue-856	208	5	nt	nt	PROPN
issue-856	208	6	hu	hu	PROPN
issue-856	208	7	si	si	PROPN
issue-856	208	8	as	as	ADP
issue-856	208	9	ts	ts	ADP
issue-856	208	10	v	v	PROPN
issue-856	208	11	is	be	AUX
issue-856	208	12	io	io	INTJ
issue-856	208	13	na	na	PART
issue-856	208	14	ri	ri	PROPN
issue-856	208	15	es	es	X
issue-856	208	16	pr	pr	PROPN
issue-856	208	17	ag	ag	PROPN
issue-856	208	18	m	m	PROPN
issue-856	208	19	at	at	ADP
issue-856	208	20	is	be	AUX
issue-856	208	21	ts	ts	ADP
issue-856	208	22	sk	sk	ADP
issue-856	208	23	ep	ep	PROPN
issue-856	208	24	tic	tic	PROPN
issue-856	208	25	s	s	PART
issue-856	208	26	c	c	NOUN
issue-856	208	27	on	on	ADP
issue-856	208	28	se	se	PROPN
issue-856	208	29	rv	rv	PROPN
issue-856	209	1	at	at	ADP
issue-856	209	2	iv	iv	ADP
issue-856	209	3	es	es	PRON
issue-856	209	4	3	3	NUM
issue-856	209	5	,	,	PUNCT
issue-856	209	6	5	5	NUM
issue-856	209	7	%	%	NOUN
issue-856	209	8	16	16	NUM
issue-856	209	9	%	%	NOUN
issue-856	209	10	12	12	NUM
issue-856	209	11	,	,	PUNCT
issue-856	209	12	5	5	NUM
issue-856	209	13	%	%	NOUN
issue-856	209	14	34	34	NUM
issue-856	209	15	%	%	NOUN
issue-856	209	16	34	34	NUM
issue-856	209	17	%	%	NOUN
issue-856	209	18	c	c	NOUN
issue-856	209	19	r	r	NOUN
issue-856	209	20	a	a	DET
issue-856	209	21	c	c	NOUN
issue-856	209	22	k	k	X
issue-856	209	23	figure	figure	NOUN
issue-856	209	24	2	2	NUM
issue-856	209	25	.	.	PUNCT
issue-856	209	26	lifecycle	lifecycle	NOUN
issue-856	209	27	curve	curve	NOUN
issue-856	209	28	of	of	ADP
issue-856	209	29	innovation	innovation	NOUN
issue-856	209	30	adoption	adoption	NOUN
issue-856	209	31	source	source	NOUN
issue-856	209	32	:	:	PUNCT
issue-856	209	33	built	build	VERB
issue-856	209	34	by	by	ADP
issue-856	209	35	authors	author	NOUN
issue-856	209	36	based	base	VERB
issue-856	209	37	on	on	ADP
issue-856	209	38	(	(	PUNCT
issue-856	209	39	moore	moore	PROPN
issue-856	209	40	,	,	PUNCT
issue-856	209	41	2014	2014	NUM
issue-856	209	42	)	)	PUNCT
issue-856	209	43	baltic	baltic	ADJ
issue-856	209	44	journal	journal	NOUN
issue-856	209	45	of	of	ADP
issue-856	209	46	economic	economic	ADJ
issue-856	209	47	studies	study	NOUN
issue-856	209	48	53	53	NUM
issue-856	209	49	vol	vol	NOUN
issue-856	209	50	.	.	PROPN
issue-856	210	1	6	6	NUM
issue-856	210	2	,	,	PUNCT
issue-856	210	3	no	no	INTJ
issue-856	210	4	.	.	NOUN
issue-856	210	5	4	4	NUM
issue-856	210	6	,	,	PUNCT
issue-856	210	7	2020	2020	NUM
issue-856	210	8	prism	prism	NOUN
issue-856	210	9	of	of	ADP
issue-856	210	10	the	the	DET
issue-856	210	11	general	general	ADJ
issue-856	210	12	level	level	NOUN
issue-856	210	13	of	of	ADP
issue-856	210	14	financial	financial	ADJ
issue-856	210	15	and	and	CCONJ
issue-856	210	16	digital	digital	ADJ
issue-856	210	17	literacy	literacy	NOUN
issue-856	210	18	of	of	ADP
issue-856	210	19	different	different	ADJ
issue-856	210	20	groups	group	NOUN
issue-856	210	21	(	(	PUNCT
issue-856	210	22	figure	figure	NOUN
issue-856	210	23	3	3	NUM
issue-856	210	24	)	)	PUNCT
issue-856	210	25	.	.	PUNCT
issue-856	211	1	as	as	SCONJ
issue-856	211	2	you	you	PRON
issue-856	211	3	can	can	AUX
issue-856	211	4	see	see	VERB
issue-856	211	5	,	,	PUNCT
issue-856	211	6	the	the	DET
issue-856	211	7	diagram	diagram	NOUN
issue-856	211	8	in	in	ADP
issue-856	211	9	figure	figure	NOUN
issue-856	211	10	3	3	NUM
issue-856	211	11	is	be	AUX
issue-856	211	12	similar	similar	ADJ
issue-856	211	13	to	to	ADP
issue-856	211	14	the	the	DET
issue-856	211	15	curve	curve	NOUN
issue-856	211	16	of	of	ADP
issue-856	211	17	the	the	DET
issue-856	211	18	life	life	NOUN
issue-856	211	19	cycle	cycle	NOUN
issue-856	211	20	of	of	ADP
issue-856	211	21	innovation	innovation	NOUN
issue-856	211	22	(	(	PUNCT
issue-856	211	23	figure	figure	NOUN
issue-856	211	24	2	2	NUM
issue-856	211	25	)	)	PUNCT
issue-856	211	26	.	.	PUNCT
issue-856	212	1	this	this	PRON
issue-856	212	2	confirms	confirm	VERB
issue-856	212	3	the	the	DET
issue-856	212	4	relation	relation	NOUN
issue-856	212	5	between	between	ADP
issue-856	212	6	the	the	DET
issue-856	212	7	level	level	NOUN
issue-856	212	8	of	of	ADP
issue-856	212	9	financial	financial	ADJ
issue-856	212	10	and	and	CCONJ
issue-856	212	11	digital	digital	ADJ
issue-856	212	12	literacy	literacy	NOUN
issue-856	212	13	and	and	CCONJ
issue-856	212	14	the	the	DET
issue-856	212	15	depth	depth	NOUN
issue-856	212	16	of	of	ADP
issue-856	212	17	promotion	promotion	NOUN
issue-856	212	18	of	of	ADP
issue-856	212	19	innovative	innovative	ADJ
issue-856	212	20	fintech	fintech	NOUN
issue-856	212	21	products	product	NOUN
issue-856	212	22	among	among	ADP
issue-856	212	23	users	user	NOUN
issue-856	212	24	.	.	PUNCT
issue-856	213	1	according	accord	VERB
issue-856	213	2	to	to	ADP
issue-856	213	3	the	the	DET
issue-856	213	4	results	result	NOUN
issue-856	213	5	of	of	ADP
issue-856	213	6	the	the	DET
issue-856	213	7	research	research	NOUN
issue-856	213	8	,	,	PUNCT
issue-856	213	9	the	the	DET
issue-856	213	10	vast	vast	ADJ
issue-856	213	11	majority	majority	NOUN
issue-856	213	12	of	of	ADP
issue-856	213	13	the	the	DET
issue-856	213	14	ukrainians	ukrainians	PROPN
issue-856	213	15	have	have	VERB
issue-856	213	16	only	only	ADV
issue-856	213	17	basic	basic	ADJ
issue-856	213	18	knowledge	knowledge	NOUN
issue-856	213	19	and	and	CCONJ
issue-856	213	20	skills	skill	NOUN
issue-856	213	21	in	in	ADP
issue-856	213	22	the	the	DET
issue-856	213	23	financial	financial	ADJ
issue-856	213	24	field	field	NOUN
issue-856	213	25	and	and	CCONJ
issue-856	213	26	information	information	NOUN
issue-856	213	27	technology	technology	NOUN
issue-856	213	28	,	,	PUNCT
issue-856	213	29	which	which	PRON
issue-856	213	30	allows	allow	VERB
issue-856	213	31	them	they	PRON
issue-856	213	32	to	to	PART
issue-856	213	33	use	use	VERB
issue-856	213	34	the	the	DET
issue-856	213	35	simplest	simple	ADJ
issue-856	213	36	services	service	NOUN
issue-856	213	37	,	,	PUNCT
issue-856	213	38	including	include	VERB
issue-856	213	39	payments	payment	NOUN
issue-856	213	40	and	and	CCONJ
issue-856	213	41	settlements	settlement	NOUN
issue-856	213	42	.	.	PUNCT
issue-856	214	1	domestic	domestic	ADJ
issue-856	214	2	users	user	NOUN
issue-856	214	3	do	do	AUX
issue-856	214	4	not	not	PART
issue-856	214	5	feel	feel	VERB
issue-856	214	6	comfortable	comfortable	ADJ
issue-856	214	7	interacting	interact	VERB
issue-856	214	8	with	with	ADP
issue-856	214	9	financial	financial	ADJ
issue-856	214	10	institutions	institution	NOUN
issue-856	214	11	and	and	CCONJ
issue-856	214	12	are	be	AUX
issue-856	214	13	only	only	ADV
issue-856	214	14	interested	interested	ADJ
issue-856	214	15	in	in	ADP
issue-856	214	16	issues	issue	NOUN
issue-856	214	17	that	that	PRON
issue-856	214	18	are	be	AUX
issue-856	214	19	of	of	ADP
issue-856	214	20	personal	personal	ADJ
issue-856	214	21	importance	importance	NOUN
issue-856	214	22	.	.	PUNCT
issue-856	215	1	the	the	DET
issue-856	215	2	greatest	great	ADJ
issue-856	215	3	influence	influence	NOUN
issue-856	215	4	on	on	ADP
issue-856	215	5	financial	financial	ADJ
issue-856	215	6	behavior	behavior	NOUN
issue-856	215	7	in	in	ADP
issue-856	215	8	ukraine	ukraine	PROPN
issue-856	215	9	has	have	VERB
issue-856	215	10	age	age	NOUN
issue-856	215	11	and	and	CCONJ
issue-856	215	12	property	property	NOUN
issue-856	215	13	status	status	NOUN
issue-856	215	14	of	of	ADP
issue-856	215	15	the	the	DET
issue-856	215	16	population	population	NOUN
issue-856	215	17	.	.	PUNCT
issue-856	216	1	in	in	ADP
issue-856	216	2	particular	particular	ADJ
issue-856	216	3	,	,	PUNCT
issue-856	216	4	young	young	ADJ
issue-856	216	5	people	people	NOUN
issue-856	216	6	aged	age	VERB
issue-856	216	7	18	18	NUM
issue-856	216	8	-	-	SYM
issue-856	216	9	34	34	NUM
issue-856	216	10	feel	feel	VERB
issue-856	216	11	most	most	ADV
issue-856	216	12	free	free	ADJ
issue-856	216	13	in	in	ADP
issue-856	216	14	the	the	DET
issue-856	216	15	world	world	NOUN
issue-856	216	16	of	of	ADP
issue-856	216	17	finance	finance	NOUN
issue-856	216	18	and	and	CCONJ
issue-856	216	19	latest	late	ADJ
issue-856	216	20	technologies	technology	NOUN
issue-856	216	21	.	.	PUNCT
issue-856	217	1	it	it	PRON
issue-856	217	2	is	be	AUX
issue-856	217	3	important	important	ADJ
issue-856	217	4	for	for	SCONJ
issue-856	217	5	this	this	DET
issue-856	217	6	group	group	NOUN
issue-856	217	7	of	of	ADP
issue-856	217	8	consumers	consumer	NOUN
issue-856	217	9	to	to	PART
issue-856	217	10	be	be	AUX
issue-856	217	11	able	able	ADJ
issue-856	217	12	to	to	PART
issue-856	217	13	obtain	obtain	VERB
issue-856	217	14	reliable	reliable	ADJ
issue-856	217	15	information	information	NOUN
issue-856	217	16	about	about	ADP
issue-856	217	17	a	a	DET
issue-856	217	18	financial	financial	ADJ
issue-856	217	19	institution	institution	NOUN
issue-856	217	20	or	or	CCONJ
issue-856	217	21	service	service	NOUN
issue-856	217	22	in	in	ADP
issue-856	217	23	the	the	DET
issue-856	217	24	mode	mode	NOUN
issue-856	217	25	of	of	ADP
issue-856	217	26	instant	instant	ADJ
issue-856	217	27	access	access	NOUN
issue-856	217	28	.	.	PUNCT
issue-856	218	1	young	young	ADJ
issue-856	218	2	people	people	NOUN
issue-856	218	3	will	will	AUX
issue-856	218	4	be	be	AUX
issue-856	218	5	glad	glad	ADJ
issue-856	218	6	to	to	PART
issue-856	218	7	use	use	VERB
issue-856	218	8	any	any	DET
issue-856	218	9	personal	personal	ADJ
issue-856	218	10	financial	financial	ADJ
issue-856	218	11	management	management	NOUN
issue-856	218	12	tools	tool	NOUN
issue-856	218	13	,	,	PUNCT
issue-856	218	14	if	if	SCONJ
issue-856	218	15	only	only	ADV
issue-856	218	16	there	there	PRON
issue-856	218	17	was	be	VERB
issue-856	218	18	an	an	DET
issue-856	218	19	application	application	NOUN
issue-856	218	20	for	for	ADP
issue-856	218	21	modern	modern	ADJ
issue-856	218	22	gadgets	gadget	NOUN
issue-856	218	23	and	and	CCONJ
issue-856	218	24	platforms	platform	NOUN
issue-856	218	25	.	.	PUNCT
issue-856	219	1	middle	middle	ADJ
issue-856	219	2	-	-	PUNCT
issue-856	219	3	aged	aged	ADJ
issue-856	219	4	ukrainians	ukrainian	NOUN
issue-856	219	5	are	be	AUX
issue-856	219	6	the	the	DET
issue-856	219	7	most	most	ADV
issue-856	219	8	experienced	experienced	ADJ
issue-856	219	9	users	user	NOUN
issue-856	219	10	of	of	ADP
issue-856	219	11	financial	financial	ADJ
issue-856	219	12	services	service	NOUN
issue-856	219	13	;	;	PUNCT
issue-856	219	14	they	they	PRON
issue-856	219	15	are	be	AUX
issue-856	219	16	a	a	DET
issue-856	219	17	socially	socially	ADV
issue-856	219	18	active	active	ADJ
issue-856	219	19	category	category	NOUN
issue-856	219	20	and	and	CCONJ
issue-856	219	21	are	be	AUX
issue-856	219	22	used	use	VERB
issue-856	219	23	to	to	PART
issue-856	219	24	overcome	overcome	VERB
issue-856	219	25	various	various	ADJ
issue-856	219	26	difficulties	difficulty	NOUN
issue-856	219	27	.	.	PUNCT
issue-856	220	1	they	they	PRON
issue-856	220	2	are	be	AUX
issue-856	220	3	the	the	DET
issue-856	220	4	target	target	NOUN
issue-856	220	5	audience	audience	NOUN
issue-856	220	6	for	for	ADP
issue-856	220	7	the	the	DET
issue-856	220	8	promotion	promotion	NOUN
issue-856	220	9	of	of	ADP
issue-856	220	10	financial	financial	ADJ
issue-856	220	11	products	product	NOUN
issue-856	220	12	aimed	aim	VERB
issue-856	220	13	at	at	ADP
issue-856	220	14	long	long	ADJ
issue-856	220	15	-	-	PUNCT
issue-856	220	16	term	term	NOUN
issue-856	220	17	planning	planning	NOUN
issue-856	220	18	.	.	PUNCT
issue-856	221	1	as	as	ADP
issue-856	221	2	for	for	ADP
issue-856	221	3	the	the	DET
issue-856	221	4	older	old	ADJ
issue-856	221	5	generation	generation	NOUN
issue-856	221	6	,	,	PUNCT
issue-856	221	7	the	the	DET
issue-856	221	8	online	online	ADJ
issue-856	221	9	space	space	NOUN
issue-856	221	10	causes	cause	VERB
issue-856	221	11	them	they	PRON
issue-856	221	12	fear	fear	VERB
issue-856	221	13	.	.	PUNCT
issue-856	222	1	the	the	DET
issue-856	222	2	life	life	NOUN
issue-856	222	3	experience	experience	NOUN
issue-856	222	4	of	of	ADP
issue-856	222	5	consumers	consumer	NOUN
issue-856	222	6	in	in	ADP
issue-856	222	7	this	this	DET
issue-856	222	8	group	group	NOUN
issue-856	222	9	has	have	AUX
issue-856	222	10	taught	teach	VERB
issue-856	222	11	them	they	PRON
issue-856	222	12	not	not	PART
issue-856	222	13	to	to	PART
issue-856	222	14	trust	trust	VERB
issue-856	222	15	financial	financial	ADJ
issue-856	222	16	institutions	institution	NOUN
issue-856	222	17	,	,	PUNCT
issue-856	222	18	and	and	CCONJ
issue-856	222	19	being	be	AUX
issue-856	222	20	among	among	ADP
issue-856	222	21	the	the	DET
issue-856	222	22	victims	victim	NOUN
issue-856	222	23	of	of	ADP
issue-856	222	24	internet	internet	NOUN
issue-856	222	25	frauds	fraud	NOUN
issue-856	222	26	increases	increase	VERB
issue-856	222	27	this	this	DET
issue-856	222	28	distrust	distrust	NOUN
issue-856	222	29	and	and	CCONJ
issue-856	222	30	leads	lead	VERB
issue-856	222	31	to	to	ADP
issue-856	222	32	the	the	DET
issue-856	222	33	rejection	rejection	NOUN
issue-856	222	34	of	of	ADP
issue-856	222	35	even	even	ADV
issue-856	222	36	the	the	DET
issue-856	222	37	simplest	simple	ADJ
issue-856	222	38	digital	digital	ADJ
issue-856	222	39	services	service	NOUN
issue-856	222	40	(	(	PUNCT
issue-856	222	41	usaid	usaid	PROPN
issue-856	222	42	,	,	PUNCT
issue-856	222	43	2019	2019	NUM
issue-856	222	44	)	)	PUNCT
issue-856	222	45	.	.	PUNCT
issue-856	223	1	in	in	ADP
issue-856	223	2	addition	addition	NOUN
issue-856	223	3	,	,	PUNCT
issue-856	223	4	ukraine	ukraine	PROPN
issue-856	223	5	is	be	AUX
issue-856	223	6	currently	currently	ADV
issue-856	223	7	experiencing	experience	VERB
issue-856	223	8	infrastructural	infrastructural	ADJ
issue-856	223	9	unpreparedness	unpreparedness	NOUN
issue-856	223	10	to	to	PART
issue-856	223	11	improve	improve	VERB
issue-856	223	12	the	the	DET
issue-856	223	13	digital	digital	ADJ
issue-856	223	14	skills	skill	NOUN
issue-856	223	15	of	of	ADP
issue-856	223	16	the	the	DET
issue-856	223	17	population	population	NOUN
issue-856	223	18	.	.	PUNCT
issue-856	224	1	the	the	DET
issue-856	224	2	most	most	ADV
issue-856	224	3	noticeable	noticeable	ADJ
issue-856	224	4	is	be	AUX
issue-856	224	5	the	the	DET
issue-856	224	6	disparity	disparity	NOUN
issue-856	224	7	between	between	ADP
issue-856	224	8	cities	city	NOUN
issue-856	224	9	and	and	CCONJ
issue-856	224	10	villages	village	NOUN
issue-856	224	11	,	,	PUNCT
issue-856	224	12	which	which	PRON
issue-856	224	13	is	be	AUX
issue-856	224	14	expressed	express	VERB
issue-856	224	15	in	in	ADP
issue-856	224	16	unequal	unequal	ADJ
issue-856	224	17	access	access	NOUN
issue-856	224	18	to	to	ADP
issue-856	224	19	financial	financial	ADJ
issue-856	224	20	and	and	CCONJ
issue-856	224	21	telecommunications	telecommunication	NOUN
issue-856	224	22	services	service	NOUN
issue-856	224	23	.	.	PUNCT
issue-856	225	1	thus	thus	ADV
issue-856	225	2	,	,	PUNCT
issue-856	225	3	the	the	DET
issue-856	225	4	study	study	NOUN
issue-856	225	5	proves	prove	VERB
issue-856	225	6	that	that	SCONJ
issue-856	225	7	a	a	DET
issue-856	225	8	favorable	favorable	ADJ
issue-856	225	9	environment	environment	NOUN
issue-856	225	10	for	for	ADP
issue-856	225	11	the	the	DET
issue-856	225	12	development	development	NOUN
issue-856	225	13	of	of	ADP
issue-856	225	14	the	the	DET
issue-856	225	15	financial	financial	ADJ
issue-856	225	16	sector	sector	NOUN
issue-856	225	17	of	of	ADP
issue-856	225	18	any	any	DET
issue-856	225	19	country	country	NOUN
issue-856	225	20	is	be	AUX
issue-856	225	21	largely	largely	ADV
issue-856	225	22	based	base	VERB
issue-856	225	23	on	on	ADP
issue-856	225	24	four	four	NUM
issue-856	225	25	main	main	ADJ
issue-856	225	26	components	component	NOUN
issue-856	225	27	:	:	PUNCT
issue-856	225	28	1	1	NUM
issue-856	225	29	)	)	PUNCT
issue-856	225	30	level	level	NOUN
issue-856	225	31	of	of	ADP
issue-856	225	32	public	public	ADJ
issue-856	225	33	awareness	awareness	NOUN
issue-856	225	34	in	in	ADP
issue-856	225	35	the	the	DET
issue-856	225	36	field	field	NOUN
issue-856	225	37	of	of	ADP
issue-856	225	38	finance	finance	NOUN
issue-856	225	39	and	and	CCONJ
issue-856	225	40	information	information	NOUN
issue-856	225	41	technology	technology	NOUN
issue-856	225	42	,	,	PUNCT
issue-856	225	43	as	as	ADV
issue-856	225	44	well	well	ADV
issue-856	225	45	as	as	ADP
issue-856	225	46	their	their	PRON
issue-856	225	47	trust	trust	NOUN
issue-856	225	48	in	in	ADP
issue-856	225	49	financial	financial	ADJ
issue-856	225	50	institutions	institution	NOUN
issue-856	225	51	;	;	PUNCT
issue-856	225	52	2	2	X
issue-856	225	53	)	)	PUNCT
issue-856	225	54	level	level	NOUN
issue-856	225	55	of	of	ADP
issue-856	225	56	development	development	NOUN
issue-856	225	57	of	of	ADP
issue-856	225	58	financial	financial	ADJ
issue-856	225	59	and	and	CCONJ
issue-856	225	60	credit	credit	NOUN
issue-856	225	61	institutions	institution	NOUN
issue-856	225	62	,	,	PUNCT
issue-856	225	63	their	their	PRON
issue-856	225	64	innovativity	innovativity	NOUN
issue-856	225	65	and	and	CCONJ
issue-856	225	66	qualifications	qualification	NOUN
issue-856	225	67	of	of	ADP
issue-856	225	68	employees	employee	NOUN
issue-856	225	69	and	and	CCONJ
issue-856	225	70	managers	manager	NOUN
issue-856	225	71	;	;	PUNCT
issue-856	225	72	3	3	X
issue-856	225	73	)	)	PUNCT
issue-856	225	74	level	level	NOUN
issue-856	225	75	of	of	ADP
issue-856	225	76	development	development	NOUN
issue-856	225	77	of	of	ADP
issue-856	225	78	fintech	fintech	NOUN
issue-856	225	79	companies	company	NOUN
issue-856	225	80	and	and	CCONJ
issue-856	225	81	the	the	DET
issue-856	225	82	degree	degree	NOUN
issue-856	225	83	of	of	ADP
issue-856	225	84	their	their	PRON
issue-856	225	85	penetration	penetration	NOUN
issue-856	225	86	into	into	ADP
issue-856	225	87	the	the	DET
issue-856	225	88	financial	financial	ADJ
issue-856	225	89	market	market	NOUN
issue-856	225	90	of	of	ADP
issue-856	225	91	the	the	DET
issue-856	225	92	country	country	NOUN
issue-856	225	93	;	;	PUNCT
issue-856	225	94	4	4	X
issue-856	225	95	)	)	PUNCT
issue-856	225	96	completeness	completeness	NOUN
issue-856	225	97	of	of	ADP
issue-856	225	98	the	the	DET
issue-856	225	99	legislative	legislative	ADJ
issue-856	225	100	,	,	PUNCT
issue-856	225	101	regulatory	regulatory	ADJ
issue-856	225	102	and	and	CCONJ
issue-856	225	103	supervisory	supervisory	ADJ
issue-856	225	104	framework	framework	NOUN
issue-856	225	105	.	.	PUNCT
issue-856	226	1	6	6	X
issue-856	226	2	.	.	X
issue-856	226	3	conclusions	conclusion	NOUN
issue-856	226	4	sustainable	sustainable	ADJ
issue-856	226	5	development	development	NOUN
issue-856	226	6	of	of	ADP
issue-856	226	7	the	the	DET
issue-856	226	8	state	state	NOUN
issue-856	226	9	and	and	CCONJ
issue-856	226	10	society	society	NOUN
issue-856	226	11	is	be	AUX
issue-856	226	12	the	the	DET
issue-856	226	13	development	development	NOUN
issue-856	226	14	at	at	ADP
issue-856	226	15	the	the	DET
issue-856	226	16	crossing	crossing	NOUN
issue-856	226	17	of	of	ADP
issue-856	226	18	economic	economic	ADJ
issue-856	226	19	,	,	PUNCT
issue-856	226	20	social	social	ADJ
issue-856	226	21	and	and	CCONJ
issue-856	226	22	technological	technological	ADJ
issue-856	226	23	efficiency	efficiency	NOUN
issue-856	226	24	.	.	PUNCT
issue-856	227	1	financial	financial	ADJ
issue-856	227	2	technologies	technology	NOUN
issue-856	227	3	are	be	AUX
issue-856	227	4	a	a	DET
issue-856	227	5	key	key	ADJ
issue-856	227	6	tool	tool	NOUN
issue-856	227	7	for	for	ADP
issue-856	227	8	sustainable	sustainable	ADJ
issue-856	227	9	development	development	NOUN
issue-856	227	10	,	,	PUNCT
issue-856	227	11	as	as	SCONJ
issue-856	227	12	they	they	PRON
issue-856	227	13	are	be	AUX
issue-856	227	14	able	able	ADJ
issue-856	227	15	not	not	PART
issue-856	227	16	only	only	ADV
issue-856	227	17	to	to	PART
issue-856	227	18	increase	increase	VERB
issue-856	227	19	the	the	DET
issue-856	227	20	efficiency	efficiency	NOUN
issue-856	227	21	of	of	ADP
issue-856	227	22	the	the	DET
issue-856	227	23	financial	financial	ADJ
issue-856	227	24	sector	sector	NOUN
issue-856	227	25	,	,	PUNCT
issue-856	227	26	but	but	CCONJ
issue-856	227	27	also	also	ADV
issue-856	227	28	to	to	PART
issue-856	227	29	contribute	contribute	VERB
issue-856	227	30	to	to	ADP
issue-856	227	31	the	the	DET
issue-856	227	32	implementation	implementation	NOUN
issue-856	227	33	of	of	ADP
issue-856	227	34	the	the	DET
issue-856	227	35	strategy	strategy	NOUN
issue-856	227	36	of	of	ADP
issue-856	227	37	comprehensive	comprehensive	ADJ
issue-856	227	38	development	development	NOUN
issue-856	227	39	of	of	ADP
issue-856	227	40	the	the	DET
issue-856	227	41	state	state	NOUN
issue-856	227	42	.	.	PUNCT
issue-856	228	1	in	in	ADP
issue-856	228	2	our	our	PRON
issue-856	228	3	opinion	opinion	NOUN
issue-856	228	4	,	,	PUNCT
issue-856	228	5	the	the	DET
issue-856	228	6	hypotheses	hypothesis	NOUN
issue-856	228	7	put	put	VERB
issue-856	228	8	forward	forward	ADV
issue-856	228	9	at	at	ADP
issue-856	228	10	the	the	DET
issue-856	228	11	beginning	beginning	NOUN
issue-856	228	12	can	can	AUX
issue-856	228	13	not	not	PART
issue-856	228	14	be	be	AUX
issue-856	228	15	refuted	refute	VERB
issue-856	228	16	or	or	CCONJ
issue-856	228	17	confirmed	confirm	VERB
issue-856	228	18	separately	separately	ADV
issue-856	228	19	.	.	PUNCT
issue-856	229	1	the	the	DET
issue-856	229	2	study	study	NOUN
issue-856	229	3	found	find	VERB
issue-856	229	4	that	that	SCONJ
issue-856	229	5	the	the	DET
issue-856	229	6	speed	speed	NOUN
issue-856	229	7	of	of	ADP
issue-856	229	8	distribution	distribution	NOUN
issue-856	229	9	and	and	CCONJ
issue-856	229	10	implementation	implementation	NOUN
issue-856	229	11	of	of	ADP
issue-856	229	12	fintech	fintech	NOUN
issue-856	229	13	services	service	NOUN
issue-856	229	14	in	in	ADP
issue-856	229	15	ukraine	ukraine	PROPN
issue-856	229	16	is	be	AUX
issue-856	229	17	influenced	influence	VERB
issue-856	229	18	by	by	ADP
issue-856	229	19	many	many	ADJ
issue-856	229	20	factors	factor	NOUN
issue-856	229	21	,	,	PUNCT
issue-856	229	22	it	it	PRON
issue-856	229	23	depends	depend	VERB
issue-856	229	24	on	on	ADP
issue-856	229	25	the	the	DET
issue-856	229	26	level	level	NOUN
issue-856	229	27	of	of	ADP
issue-856	229	28	development	development	NOUN
issue-856	229	29	of	of	ADP
issue-856	229	30	4	4	NUM
issue-856	229	31	%	%	NOUN
issue-856	229	32	16	16	NUM
issue-856	229	33	%	%	NOUN
issue-856	229	34	46	46	NUM
issue-856	229	35	%	%	NOUN
issue-856	229	36	25	25	NUM
issue-856	229	37	%	%	NOUN
issue-856	229	38	7	7	NUM
issue-856	229	39	%	%	NOUN
issue-856	229	40	25	25	NUM
issue-856	229	41	%	%	NOUN
issue-856	229	42	22	22	NUM
issue-856	229	43	%	%	NOUN
issue-856	229	44	38	38	NUM
issue-856	229	45	%	%	NOUN
issue-856	229	46	15	15	NUM
issue-856	229	47	%	%	NOUN
issue-856	229	48	0	0	NUM
issue-856	229	49	%	%	NOUN
issue-856	229	50	5	5	NUM
issue-856	229	51	%	%	NOUN
issue-856	229	52	10	10	NUM
issue-856	229	53	%	%	NOUN
issue-856	229	54	15	15	NUM
issue-856	229	55	%	%	NOUN
issue-856	229	56	20	20	NUM
issue-856	229	57	%	%	NOUN
issue-856	229	58	25	25	NUM
issue-856	229	59	%	%	NOUN
issue-856	229	60	30	30	NUM
issue-856	229	61	%	%	NOUN
issue-856	229	62	35	35	NUM
issue-856	229	63	%	%	NOUN
issue-856	229	64	40	40	NUM
issue-856	229	65	%	%	NOUN
issue-856	229	66	45	45	NUM
issue-856	229	67	%	%	NOUN
issue-856	229	68	50	50	NUM
issue-856	229	69	%	%	NOUN
issue-856	229	70	excellent	excellent	ADJ
issue-856	229	71	financial	financial	ADJ
issue-856	229	72	literacy	literacy	NOUN
issue-856	229	73	/	/	PUNCT
issue-856	229	74	above	above	ADP
issue-856	229	75	average	average	ADJ
issue-856	229	76	level	level	NOUN
issue-856	229	77	of	of	ADP
issue-856	229	78	digital	digital	ADJ
issue-856	229	79	skills	skill	NOUN
issue-856	229	80	good	good	ADJ
issue-856	229	81	financial	financial	ADJ
issue-856	229	82	literacy	literacy	NOUN
issue-856	229	83	/	/	SYM
issue-856	229	84	intermediate	intermediate	ADJ
issue-856	229	85	level	level	NOUN
issue-856	229	86	of	of	ADP
issue-856	229	87	digital	digital	ADJ
issue-856	229	88	skills	skill	NOUN
issue-856	229	89	satisfactory	satisfactory	ADJ
issue-856	229	90	financial	financial	ADJ
issue-856	229	91	literacy	literacy	NOUN
issue-856	229	92	/	/	SYM
issue-856	229	93	low	low	ADJ
issue-856	229	94	level	level	NOUN
issue-856	229	95	of	of	ADP
issue-856	229	96	digital	digital	ADJ
issue-856	229	97	skills	skill	NOUN
issue-856	229	98	poor	poor	ADJ
issue-856	229	99	financial	financial	ADJ
issue-856	229	100	literacy	literacy	NOUN
issue-856	229	101	/	/	PUNCT
issue-856	229	102	no	no	DET
issue-856	229	103	digital	digital	ADJ
issue-856	229	104	skills	skill	NOUN
issue-856	229	105	zero	zero	NUM
issue-856	229	106	level	level	NOUN
issue-856	229	107	of	of	ADP
issue-856	229	108	financial	financial	ADJ
issue-856	229	109	literacy	literacy	NOUN
issue-856	229	110	self	self	NOUN
issue-856	229	111	-	-	PUNCT
issue-856	229	112	assessment	assessment	NOUN
issue-856	229	113	of	of	ADP
issue-856	229	114	financial	financial	ADJ
issue-856	229	115	literacy	literacy	NOUN
issue-856	229	116	level	level	NOUN
issue-856	229	117	of	of	ADP
issue-856	229	118	digital	digital	ADJ
issue-856	229	119	skills	skill	NOUN
issue-856	229	120	figure	figure	NOUN
issue-856	229	121	3	3	NUM
issue-856	229	122	.	.	PUNCT
issue-856	230	1	the	the	DET
issue-856	230	2	level	level	NOUN
issue-856	230	3	of	of	ADP
issue-856	230	4	financial	financial	ADJ
issue-856	230	5	and	and	CCONJ
issue-856	230	6	digital	digital	ADJ
issue-856	230	7	literacy	literacy	NOUN
issue-856	230	8	of	of	ADP
issue-856	230	9	the	the	DET
issue-856	230	10	population	population	NOUN
issue-856	230	11	of	of	ADP
issue-856	230	12	ukraine	ukraine	PROPN
issue-856	230	13	source	source	NOUN
issue-856	230	14	:	:	PUNCT
issue-856	230	15	built	build	VERB
issue-856	230	16	by	by	ADP
issue-856	230	17	authors	author	NOUN
issue-856	230	18	based	base	VERB
issue-856	230	19	on	on	ADP
issue-856	230	20	(	(	PUNCT
issue-856	230	21	usaid	usaid	ADJ
issue-856	230	22	,	,	PUNCT
issue-856	230	23	2019	2019	NUM
issue-856	230	24	;	;	PUNCT
issue-856	230	25	ministry	ministry	NOUN
issue-856	230	26	of	of	ADP
issue-856	230	27	digital	digital	ADJ
issue-856	230	28	transformation	transformation	NOUN
issue-856	230	29	of	of	ADP
issue-856	230	30	ukraine	ukraine	NOUN
issue-856	230	31	,	,	PUNCT
issue-856	230	32	2019	2019	NUM
issue-856	230	33	)	)	PUNCT
issue-856	230	34	baltic	baltic	ADJ
issue-856	230	35	journal	journal	NOUN
issue-856	230	36	of	of	ADP
issue-856	230	37	economic	economic	ADJ
issue-856	230	38	studies	study	NOUN
issue-856	230	39	54	54	NUM
issue-856	230	40	vol	vol	NOUN
issue-856	230	41	.	.	PROPN
issue-856	231	1	6	6	NUM
issue-856	231	2	,	,	PUNCT
issue-856	231	3	no	no	INTJ
issue-856	231	4	.	.	NOUN
issue-856	231	5	4	4	NUM
issue-856	231	6	,	,	PUNCT
issue-856	231	7	2020	2020	NUM
issue-856	231	8	the	the	DET
issue-856	231	9	country	country	NOUN
issue-856	231	10	in	in	ADP
issue-856	231	11	a	a	DET
issue-856	231	12	range	range	NOUN
issue-856	231	13	of	of	ADP
issue-856	231	14	aspects	aspect	NOUN
issue-856	231	15	such	such	ADJ
issue-856	231	16	as	as	ADP
issue-856	231	17	:	:	PUNCT
issue-856	231	18	financial	financial	ADJ
issue-856	231	19	and	and	CCONJ
issue-856	231	20	digital	digital	ADJ
issue-856	231	21	literacy	literacy	NOUN
issue-856	231	22	,	,	PUNCT
issue-856	231	23	innovativity	innovativity	NOUN
issue-856	231	24	of	of	ADP
issue-856	231	25	financial	financial	ADJ
issue-856	231	26	institutions	institution	NOUN
issue-856	231	27	,	,	PUNCT
issue-856	231	28	preparedness	preparedness	NOUN
issue-856	231	29	of	of	ADP
issue-856	231	30	financial	financial	ADJ
issue-856	231	31	markets	market	NOUN
issue-856	231	32	and	and	CCONJ
issue-856	231	33	communication	communication	NOUN
issue-856	231	34	technologies	technology	NOUN
issue-856	231	35	to	to	PART
issue-856	231	36	promote	promote	VERB
issue-856	231	37	fintech	fintech	NOUN
issue-856	231	38	services	service	NOUN
issue-856	231	39	and	and	CCONJ
issue-856	231	40	the	the	DET
issue-856	231	41	availability	availability	NOUN
issue-856	231	42	of	of	ADP
issue-856	231	43	appropriate	appropriate	ADJ
issue-856	231	44	legal	legal	ADJ
issue-856	231	45	framework	framework	NOUN
issue-856	231	46	.	.	PUNCT
issue-856	232	1	considering	consider	VERB
issue-856	232	2	the	the	DET
issue-856	232	3	conducted	conduct	VERB
issue-856	232	4	research	research	NOUN
issue-856	232	5	and	and	CCONJ
issue-856	232	6	in	in	ADP
issue-856	232	7	order	order	NOUN
issue-856	232	8	to	to	PART
issue-856	232	9	achieve	achieve	VERB
issue-856	232	10	the	the	DET
issue-856	232	11	goal	goal	NOUN
issue-856	232	12	of	of	ADP
issue-856	232	13	developing	develop	VERB
issue-856	232	14	the	the	DET
issue-856	232	15	fintech	fintech	NOUN
issue-856	232	16	industry	industry	NOUN
issue-856	232	17	in	in	ADP
issue-856	232	18	ukraine	ukraine	NOUN
issue-856	232	19	and	and	CCONJ
issue-856	232	20	increase	increase	VERB
issue-856	232	21	financial	financial	ADJ
issue-856	232	22	and	and	CCONJ
issue-856	232	23	digital	digital	ADJ
issue-856	232	24	inclusion	inclusion	NOUN
issue-856	232	25	of	of	ADP
issue-856	232	26	the	the	DET
issue-856	232	27	population	population	NOUN
issue-856	232	28	,	,	PUNCT
issue-856	232	29	the	the	DET
issue-856	232	30	main	main	ADJ
issue-856	232	31	ways	way	NOUN
issue-856	232	32	to	to	PART
issue-856	232	33	overcome	overcome	VERB
issue-856	232	34	existing	exist	VERB
issue-856	232	35	barriers	barrier	NOUN
issue-856	232	36	are	be	AUX
issue-856	232	37	the	the	DET
issue-856	232	38	following	follow	VERB
issue-856	232	39	:	:	PUNCT
issue-856	232	40	–	–	PUNCT
issue-856	232	41	adaptation	adaptation	NOUN
issue-856	232	42	of	of	ADP
issue-856	232	43	communication	communication	NOUN
issue-856	232	44	strategy	strategy	NOUN
issue-856	232	45	and	and	CCONJ
issue-856	232	46	digitization	digitization	NOUN
issue-856	232	47	to	to	ADP
issue-856	232	48	the	the	DET
issue-856	232	49	socio	socio	NOUN
issue-856	232	50	-	-	ADJ
issue-856	232	51	demographic	demographic	ADJ
issue-856	232	52	structure	structure	NOUN
issue-856	232	53	of	of	ADP
issue-856	232	54	the	the	DET
issue-856	232	55	population	population	NOUN
issue-856	232	56	of	of	ADP
issue-856	232	57	ukraine	ukraine	PROPN
issue-856	232	58	.	.	PUNCT
issue-856	233	1	in	in	ADP
issue-856	233	2	particular	particular	ADJ
issue-856	233	3	,	,	PUNCT
issue-856	233	4	if	if	SCONJ
issue-856	233	5	the	the	DET
issue-856	233	6	focus	focus	NOUN
issue-856	233	7	is	be	AUX
issue-856	233	8	mainly	mainly	ADV
issue-856	233	9	on	on	ADP
issue-856	233	10	online	online	ADJ
issue-856	233	11	information	information	NOUN
issue-856	233	12	channels	channel	NOUN
issue-856	233	13	,	,	PUNCT
issue-856	233	14	the	the	DET
issue-856	233	15	level	level	NOUN
issue-856	233	16	of	of	ADP
issue-856	233	17	accessibility	accessibility	NOUN
issue-856	233	18	to	to	ADP
issue-856	233	19	older	old	ADJ
issue-856	233	20	groups	group	NOUN
issue-856	233	21	and	and	CCONJ
issue-856	233	22	people	people	NOUN
issue-856	233	23	living	live	VERB
issue-856	233	24	in	in	ADP
issue-856	233	25	rural	rural	ADJ
issue-856	233	26	and	and	CCONJ
issue-856	233	27	mountainous	mountainous	ADJ
issue-856	233	28	areas	area	NOUN
issue-856	233	29	is	be	AUX
issue-856	233	30	reduced	reduce	VERB
issue-856	233	31	.	.	PUNCT
issue-856	234	1	therefore	therefore	ADV
issue-856	234	2	,	,	PUNCT
issue-856	234	3	it	it	PRON
issue-856	234	4	is	be	AUX
issue-856	234	5	necessary	necessary	ADJ
issue-856	234	6	to	to	PART
issue-856	234	7	actively	actively	ADV
issue-856	234	8	involve	involve	VERB
issue-856	234	9	offline	offline	ADJ
issue-856	234	10	channels	channel	NOUN
issue-856	234	11	(	(	PUNCT
issue-856	234	12	television	television	NOUN
issue-856	234	13	,	,	PUNCT
issue-856	234	14	screens	screen	NOUN
issue-856	234	15	in	in	ADP
issue-856	234	16	social	social	ADJ
issue-856	234	17	institutions	institution	NOUN
issue-856	234	18	and	and	CCONJ
issue-856	234	19	transport	transport	NOUN
issue-856	234	20	)	)	PUNCT
issue-856	234	21	to	to	PART
issue-856	234	22	broadcast	broadcast	VERB
issue-856	234	23	short	short	ADJ
issue-856	234	24	videos	video	NOUN
issue-856	234	25	about	about	ADP
issue-856	234	26	the	the	DET
issue-856	234	27	essence	essence	NOUN
issue-856	234	28	and	and	CCONJ
issue-856	234	29	benefits	benefit	NOUN
issue-856	234	30	of	of	ADP
issue-856	234	31	fintech	fintech	NOUN
issue-856	234	32	ser	ser	NOUN
issue-856	234	33	-	-	NOUN
issue-856	234	34	vices	vice	NOUN
issue-856	234	35	for	for	ADP
issue-856	234	36	ordinary	ordinary	ADJ
issue-856	234	37	citizens	citizen	NOUN
issue-856	234	38	;	;	PUNCT
issue-856	234	39	–	–	PUNCT
issue-856	234	40	improvement	improvement	NOUN
issue-856	234	41	of	of	ADP
issue-856	234	42	the	the	DET
issue-856	234	43	quality	quality	NOUN
issue-856	234	44	of	of	ADP
issue-856	234	45	technical	technical	ADJ
issue-856	234	46	support	support	NOUN
issue-856	234	47	of	of	ADP
issue-856	234	48	government	government	NOUN
issue-856	234	49	agencies	agency	NOUN
issue-856	234	50	.	.	PUNCT
issue-856	235	1	often	often	ADV
issue-856	235	2	,	,	PUNCT
issue-856	235	3	institutions	institution	NOUN
issue-856	235	4	of	of	ADP
issue-856	235	5	social	social	ADJ
issue-856	235	6	,	,	PUNCT
issue-856	235	7	educational	educational	ADJ
issue-856	235	8	,	,	PUNCT
issue-856	235	9	medical	medical	ADJ
issue-856	235	10	,	,	PUNCT
issue-856	235	11	cultural	cultural	ADJ
issue-856	235	12	spheres	sphere	NOUN
issue-856	235	13	are	be	AUX
issue-856	235	14	the	the	DET
issue-856	235	15	drivers	driver	NOUN
issue-856	235	16	of	of	ADP
issue-856	235	17	digital	digital	ADJ
issue-856	235	18	change	change	NOUN
issue-856	235	19	and	and	CCONJ
issue-856	235	20	habits	habit	NOUN
issue-856	235	21	of	of	ADP
issue-856	235	22	society	society	NOUN
issue-856	235	23	.	.	PUNCT
issue-856	236	1	that	that	PRON
issue-856	236	2	is	be	AUX
issue-856	236	3	why	why	SCONJ
issue-856	236	4	a	a	DET
issue-856	236	5	sufficient	sufficient	ADJ
issue-856	236	6	level	level	NOUN
issue-856	236	7	of	of	ADP
issue-856	236	8	hardware	hardware	NOUN
issue-856	236	9	and	and	CCONJ
issue-856	236	10	software	software	NOUN
issue-856	236	11	of	of	ADP
issue-856	236	12	such	such	ADJ
issue-856	236	13	institutions	institution	NOUN
issue-856	236	14	is	be	AUX
issue-856	236	15	important	important	ADJ
issue-856	236	16	;	;	PUNCT
issue-856	236	17	–	–	PUNCT
issue-856	236	18	permanent	permanent	ADJ
issue-856	236	19	and	and	CCONJ
issue-856	236	20	systematic	systematic	ADJ
issue-856	236	21	formation	formation	NOUN
issue-856	236	22	of	of	ADP
issue-856	236	23	demand	demand	NOUN
issue-856	236	24	for	for	ADP
issue-856	236	25	digital	digital	ADJ
issue-856	236	26	skills	skill	NOUN
issue-856	236	27	among	among	ADP
issue-856	236	28	the	the	DET
issue-856	236	29	population	population	NOUN
issue-856	236	30	.	.	PUNCT
issue-856	237	1	the	the	DET
issue-856	237	2	message	message	NOUN
issue-856	237	3	should	should	AUX
issue-856	237	4	focus	focus	VERB
issue-856	237	5	on	on	ADP
issue-856	237	6	convenience	convenience	NOUN
issue-856	237	7	,	,	PUNCT
issue-856	237	8	time	time	NOUN
issue-856	237	9	savings	saving	NOUN
issue-856	237	10	,	,	PUNCT
issue-856	237	11	and	and	CCONJ
issue-856	237	12	ease	ease	NOUN
issue-856	237	13	of	of	ADP
issue-856	237	14	use	use	NOUN
issue-856	237	15	of	of	ADP
issue-856	237	16	the	the	DET
issue-856	237	17	latest	late	ADJ
issue-856	237	18	technologies	technology	NOUN
issue-856	237	19	in	in	ADP
issue-856	237	20	the	the	DET
issue-856	237	21	financial	financial	ADJ
issue-856	237	22	sector	sector	NOUN
issue-856	237	23	,	,	PUNCT
issue-856	237	24	as	as	ADV
issue-856	237	25	well	well	ADV
issue-856	237	26	as	as	ADP
issue-856	237	27	the	the	DET
issue-856	237	28	inevitability	inevitability	NOUN
issue-856	237	29	of	of	ADP
issue-856	237	30	the	the	DET
issue-856	237	31	transition	transition	NOUN
issue-856	237	32	of	of	ADP
issue-856	237	33	most	most	ADJ
issue-856	237	34	processes	process	NOUN
issue-856	237	35	to	to	ADP
issue-856	237	36	the	the	DET
issue-856	237	37	virtual	virtual	ADJ
issue-856	237	38	space	space	NOUN
issue-856	237	39	and	and	CCONJ
issue-856	237	40	automation	automation	NOUN
issue-856	237	41	of	of	ADP
issue-856	237	42	various	various	ADJ
issue-856	237	43	services	service	NOUN
issue-856	237	44	;	;	PUNCT
issue-856	237	45	–	–	PUNCT
issue-856	237	46	creation	creation	NOUN
issue-856	237	47	of	of	ADP
issue-856	237	48	a	a	DET
issue-856	237	49	platform	platform	NOUN
issue-856	237	50	for	for	ADP
issue-856	237	51	digital	digital	ADJ
issue-856	237	52	skills	skill	NOUN
issue-856	237	53	training	training	NOUN
issue-856	237	54	and	and	CCONJ
issue-856	237	55	its	its	PRON
issue-856	237	56	advertising	advertising	NOUN
issue-856	237	57	support	support	NOUN
issue-856	237	58	.	.	PUNCT
issue-856	238	1	such	such	ADJ
issue-856	238	2	training	training	NOUN
issue-856	238	3	platforms	platform	NOUN
issue-856	238	4	should	should	AUX
issue-856	238	5	be	be	AUX
issue-856	238	6	simple	simple	ADJ
issue-856	238	7	,	,	PUNCT
issue-856	238	8	clear	clear	ADJ
issue-856	238	9	,	,	PUNCT
issue-856	238	10	secure	secure	ADJ
issue-856	238	11	and	and	CCONJ
issue-856	238	12	based	base	VERB
issue-856	238	13	on	on	ADP
issue-856	238	14	intuitive	intuitive	ADJ
issue-856	238	15	use	use	NOUN
issue-856	238	16	.	.	PUNCT
issue-856	239	1	un	un	PROPN
issue-856	239	2	-	-	ADJ
issue-856	239	3	der	der	ADJ
issue-856	239	4	such	such	ADJ
issue-856	239	5	conditions	condition	NOUN
issue-856	239	6	,	,	PUNCT
issue-856	239	7	the	the	DET
issue-856	239	8	potential	potential	ADJ
issue-856	239	9	consumer	consumer	NOUN
issue-856	239	10	will	will	AUX
issue-856	239	11	not	not	PART
issue-856	239	12	only	only	ADV
issue-856	239	13	be	be	AUX
issue-856	239	14	able	able	ADJ
issue-856	239	15	to	to	PART
issue-856	239	16	learn	learn	VERB
issue-856	239	17	how	how	SCONJ
issue-856	239	18	to	to	PART
issue-856	239	19	use	use	VERB
issue-856	239	20	online	online	ADJ
issue-856	239	21	services	service	NOUN
issue-856	239	22	,	,	PUNCT
issue-856	239	23	but	but	CCONJ
issue-856	239	24	also	also	ADV
issue-856	239	25	receive	receive	VERB
issue-856	239	26	information	information	NOUN
issue-856	239	27	about	about	ADP
issue-856	239	28	the	the	DET
issue-856	239	29	product	product	NOUN
issue-856	239	30	,	,	PUNCT
issue-856	239	31	its	its	PRON
issue-856	239	32	safety	safety	NOUN
issue-856	239	33	and	and	CCONJ
issue-856	239	34	ease	ease	NOUN
issue-856	239	35	of	of	ADP
issue-856	239	36	use	use	NOUN
issue-856	239	37	.	.	PUNCT
issue-856	240	1	as	as	ADP
issue-856	240	2	a	a	DET
issue-856	240	3	result	result	NOUN
issue-856	240	4	,	,	PUNCT
issue-856	240	5	we	we	PRON
issue-856	240	6	should	should	AUX
issue-856	240	7	note	note	VERB
issue-856	240	8	that	that	SCONJ
issue-856	240	9	the	the	DET
issue-856	240	10	effectiveness	effectiveness	NOUN
issue-856	240	11	of	of	ADP
issue-856	240	12	the	the	DET
issue-856	240	13	policy	policy	NOUN
issue-856	240	14	of	of	ADP
issue-856	240	15	improvement	improvement	NOUN
issue-856	240	16	the	the	DET
issue-856	240	17	level	level	NOUN
issue-856	240	18	of	of	ADP
issue-856	240	19	financial	financial	ADJ
issue-856	240	20	literacy	literacy	NOUN
issue-856	240	21	and	and	CCONJ
issue-856	240	22	digital	digital	ADJ
issue-856	240	23	skills	skill	NOUN
issue-856	240	24	of	of	ADP
issue-856	240	25	the	the	DET
issue-856	240	26	population	population	NOUN
issue-856	240	27	depends	depend	VERB
issue-856	240	28	on	on	ADP
issue-856	240	29	the	the	DET
issue-856	240	30	integrated	integrate	VERB
issue-856	240	31	implementation	implementation	NOUN
issue-856	240	32	of	of	ADP
issue-856	240	33	various	various	ADJ
issue-856	240	34	learning	learn	VERB
issue-856	240	35	mechanisms	mechanism	NOUN
issue-856	240	36	.	.	PUNCT
issue-856	241	1	therefore	therefore	ADV
issue-856	241	2	,	,	PUNCT
issue-856	241	3	in	in	ADP
issue-856	241	4	order	order	NOUN
issue-856	241	5	to	to	PART
issue-856	241	6	deepen	deepen	VERB
issue-856	241	7	existing	exist	VERB
issue-856	241	8	knowledge	knowledge	NOUN
issue-856	241	9	,	,	PUNCT
issue-856	241	10	emphasis	emphasis	NOUN
issue-856	241	11	should	should	AUX
issue-856	241	12	be	be	AUX
issue-856	241	13	placed	place	VERB
issue-856	241	14	on	on	ADP
issue-856	241	15	online	online	ADJ
issue-856	241	16	learning	learning	NOUN
issue-856	241	17	.	.	PUNCT
issue-856	242	1	when	when	SCONJ
issue-856	242	2	developing	develop	VERB
issue-856	242	3	basic	basic	ADJ
issue-856	242	4	skills	skill	NOUN
issue-856	242	5	,	,	PUNCT
issue-856	242	6	offline	offline	ADJ
issue-856	242	7	support	support	NOUN
issue-856	242	8	at	at	ADP
issue-856	242	9	the	the	DET
issue-856	242	10	place	place	NOUN
issue-856	242	11	of	of	ADP
issue-856	242	12	residence	residence	NOUN
issue-856	242	13	is	be	AUX
issue-856	242	14	the	the	DET
issue-856	242	15	main	main	ADJ
issue-856	242	16	one	one	NUM
issue-856	242	17	.	.	PUNCT
issue-856	243	1	at	at	ADP
issue-856	243	2	the	the	DET
issue-856	243	3	same	same	ADJ
issue-856	243	4	time	time	NOUN
issue-856	243	5	,	,	PUNCT
issue-856	243	6	the	the	DET
issue-856	243	7	infrastructural	infrastructural	ADJ
issue-856	243	8	resource	resource	NOUN
issue-856	243	9	here	here	ADV
issue-856	243	10	can	can	AUX
issue-856	243	11	be	be	AUX
issue-856	243	12	libraries	library	NOUN
issue-856	243	13	,	,	PUNCT
issue-856	243	14	clubs	club	NOUN
issue-856	243	15	,	,	PUNCT
issue-856	243	16	educational	educational	ADJ
issue-856	243	17	institutions	institution	NOUN
issue-856	243	18	,	,	PUNCT
issue-856	243	19	local	local	ADJ
issue-856	243	20	governments	government	NOUN
issue-856	243	21	,	,	PUNCT
issue-856	243	22	social	social	ADJ
issue-856	243	23	protection	protection	NOUN
issue-856	243	24	institutions	institution	NOUN
issue-856	243	25	,	,	PUNCT
issue-856	243	26	pension	pension	NOUN
issue-856	243	27	funds	fund	NOUN
issue-856	243	28	,	,	PUNCT
issue-856	243	29	etc	etc	X
issue-856	243	30	.	.	X
issue-856	244	1	nowadays	nowadays	ADV
issue-856	244	2	the	the	DET
issue-856	244	3	importance	importance	NOUN
issue-856	244	4	of	of	ADP
issue-856	244	5	this	this	DET
issue-856	244	6	issue	issue	NOUN
issue-856	244	7	has	have	AUX
issue-856	244	8	come	come	VERB
issue-856	244	9	to	to	ADP
issue-856	244	10	the	the	DET
issue-856	244	11	fore	fore	NOUN
issue-856	244	12	,	,	PUNCT
issue-856	244	13	as	as	SCONJ
issue-856	244	14	the	the	DET
issue-856	244	15	covid-19	covid-19	PROPN
issue-856	244	16	pandemic	pandemic	NOUN
issue-856	244	17	forced	force	VERB
issue-856	244	18	the	the	DET
issue-856	244	19	world	world	NOUN
issue-856	244	20	to	to	PART
issue-856	244	21	move	move	VERB
issue-856	244	22	into	into	ADP
issue-856	244	23	the	the	DET
issue-856	244	24	virtual	virtual	ADJ
issue-856	244	25	reality	reality	NOUN
issue-856	244	26	of	of	ADP
issue-856	244	27	communication	communication	NOUN
issue-856	244	28	,	,	PUNCT
issue-856	244	29	education	education	NOUN
issue-856	244	30	,	,	PUNCT
issue-856	244	31	financial	financial	ADJ
issue-856	244	32	services	service	NOUN
issue-856	244	33	,	,	PUNCT
issue-856	244	34	health	health	NOUN
issue-856	244	35	care	care	NOUN
issue-856	244	36	and	and	CCONJ
issue-856	244	37	more	more	ADJ
issue-856	244	38	.	.	PUNCT
issue-856	245	1	the	the	DET
issue-856	245	2	current	current	ADJ
issue-856	245	3	situation	situation	NOUN
issue-856	245	4	makes	make	VERB
issue-856	245	5	it	it	PRON
issue-856	245	6	clear	clear	ADJ
issue-856	245	7	that	that	SCONJ
issue-856	245	8	there	there	PRON
issue-856	245	9	is	be	VERB
issue-856	245	10	a	a	DET
issue-856	245	11	need	need	NOUN
issue-856	245	12	to	to	PART
issue-856	245	13	accelerate	accelerate	VERB
issue-856	245	14	as	as	ADV
issue-856	245	15	much	much	ADV
issue-856	245	16	as	as	ADP
issue-856	245	17	possible	possible	ADJ
issue-856	245	18	all	all	DET
issue-856	245	19	the	the	DET
issue-856	245	20	processes	process	NOUN
issue-856	245	21	that	that	PRON
issue-856	245	22	will	will	AUX
issue-856	245	23	contribute	contribute	VERB
issue-856	245	24	to	to	ADP
issue-856	245	25	the	the	DET
issue-856	245	26	development	development	NOUN
issue-856	245	27	of	of	ADP
issue-856	245	28	the	the	DET
issue-856	245	29	fintech	fintech	NOUN
issue-856	245	30	industry	industry	NOUN
issue-856	245	31	.	.	PUNCT
issue-856	246	1	unprecedented	unprecedented	ADJ
issue-856	246	2	conditions	condition	NOUN
issue-856	246	3	in	in	ADP
issue-856	246	4	all	all	DET
issue-856	246	5	areas	area	NOUN
issue-856	246	6	of	of	ADP
issue-856	246	7	activity	activity	NOUN
issue-856	246	8	have	have	AUX
issue-856	246	9	shown	show	VERB
issue-856	246	10	that	that	SCONJ
issue-856	246	11	in	in	ADP
issue-856	246	12	the	the	DET
issue-856	246	13	forefront	forefront	NOUN
issue-856	246	14	now	now	ADV
issue-856	246	15	there	there	PRON
issue-856	246	16	are	be	VERB
issue-856	246	17	the	the	DET
issue-856	246	18	businesses	business	NOUN
issue-856	246	19	that	that	PRON
issue-856	246	20	have	have	AUX
issue-856	246	21	been	be	AUX
issue-856	246	22	the	the	DET
issue-856	246	23	first	first	ADJ
issue-856	246	24	ones	one	NOUN
issue-856	246	25	to	to	PART
issue-856	246	26	move	move	VERB
issue-856	246	27	into	into	ADP
issue-856	246	28	the	the	DET
issue-856	246	29	digital	digital	ADJ
issue-856	246	30	space	space	NOUN
issue-856	246	31	.	.	PUNCT
issue-856	247	1	taking	take	VERB
issue-856	247	2	into	into	ADP
issue-856	247	3	account	account	NOUN
issue-856	247	4	the	the	DET
issue-856	247	5	study	study	NOUN
issue-856	247	6	,	,	PUNCT
issue-856	247	7	we	we	PRON
issue-856	247	8	can	can	AUX
issue-856	247	9	note	note	VERB
issue-856	247	10	the	the	DET
issue-856	247	11	trend	trend	NOUN
issue-856	247	12	towards	towards	ADP
issue-856	247	13	the	the	DET
issue-856	247	14	development	development	NOUN
issue-856	247	15	of	of	ADP
issue-856	247	16	virtual	virtual	ADJ
issue-856	247	17	customer	customer	NOUN
issue-856	247	18	service	service	NOUN
issue-856	247	19	channels	channel	NOUN
issue-856	247	20	,	,	PUNCT
issue-856	247	21	implementation	implementation	NOUN
issue-856	247	22	of	of	ADP
issue-856	247	23	operational	operational	ADJ
issue-856	247	24	solutions	solution	NOUN
issue-856	247	25	and	and	CCONJ
issue-856	247	26	the	the	DET
issue-856	247	27	development	development	NOUN
issue-856	247	28	of	of	ADP
issue-856	247	29	new	new	ADJ
issue-856	247	30	methods	method	NOUN
issue-856	247	31	of	of	ADP
issue-856	247	32	establishing	establish	VERB
issue-856	247	33	contacts	contact	NOUN
issue-856	247	34	with	with	ADP
issue-856	247	35	potential	potential	ADJ
issue-856	247	36	consumers	consumer	NOUN
issue-856	247	37	of	of	ADP
issue-856	247	38	financial	financial	ADJ
issue-856	247	39	services	service	NOUN
issue-856	247	40	.	.	PUNCT
issue-856	248	1	this	this	DET
issue-856	248	2	phenomenon	phenomenon	NOUN
issue-856	248	3	also	also	ADV
issue-856	248	4	characterizes	characterize	VERB
issue-856	248	5	the	the	DET
issue-856	248	6	ukrainian	ukrainian	ADJ
issue-856	248	7	financial	financial	ADJ
issue-856	248	8	system	system	NOUN
issue-856	248	9	,	,	PUNCT
issue-856	248	10	which	which	PRON
issue-856	248	11	leads	lead	VERB
issue-856	248	12	to	to	ADP
issue-856	248	13	the	the	DET
issue-856	248	14	regular	regular	ADJ
issue-856	248	15	implementation	implementation	NOUN
issue-856	248	16	of	of	ADP
issue-856	248	17	new	new	ADJ
issue-856	248	18	solutions	solution	NOUN
issue-856	248	19	in	in	ADP
issue-856	248	20	the	the	DET
issue-856	248	21	areas	area	NOUN
issue-856	248	22	of	of	ADP
issue-856	248	23	innovation	innovation	NOUN
issue-856	248	24	and	and	CCONJ
issue-856	248	25	the	the	DET
issue-856	248	26	development	development	NOUN
issue-856	248	27	of	of	ADP
issue-856	248	28	strategies	strategy	NOUN
issue-856	248	29	to	to	PART
issue-856	248	30	overcome	overcome	VERB
issue-856	248	31	obstacles	obstacle	NOUN
issue-856	248	32	along	along	ADP
issue-856	248	33	the	the	DET
issue-856	248	34	way	way	NOUN
issue-856	248	35	.	.	PUNCT
issue-856	249	1	in	in	ADP
issue-856	249	2	general	general	ADJ
issue-856	249	3	,	,	PUNCT
issue-856	249	4	under	under	ADP
issue-856	249	5	the	the	DET
issue-856	249	6	condition	condition	NOUN
issue-856	249	7	of	of	ADP
issue-856	249	8	qualitative	qualitative	ADJ
issue-856	249	9	and	and	CCONJ
issue-856	249	10	quantitative	quantitative	ADJ
issue-856	249	11	development	development	NOUN
issue-856	249	12	,	,	PUNCT
issue-856	249	13	the	the	DET
issue-856	249	14	fintech	fintech	NOUN
issue-856	249	15	industry	industry	NOUN
issue-856	249	16	in	in	ADP
issue-856	249	17	ukraine	ukraine	NOUN
issue-856	249	18	is	be	AUX
issue-856	249	19	able	able	ADJ
issue-856	249	20	to	to	PART
issue-856	249	21	radically	radically	ADV
issue-856	249	22	change	change	VERB
issue-856	249	23	the	the	DET
issue-856	249	24	existing	exist	VERB
issue-856	249	25	organizational	organizational	ADJ
issue-856	249	26	and	and	CCONJ
issue-856	249	27	institutional	institutional	ADJ
issue-856	249	28	structure	structure	NOUN
issue-856	249	29	of	of	ADP
issue-856	249	30	the	the	DET
issue-856	249	31	financial	financial	ADJ
issue-856	249	32	and	and	CCONJ
issue-856	249	33	credit	credit	NOUN
issue-856	249	34	system	system	NOUN
issue-856	249	35	in	in	ADP
issue-856	249	36	the	the	DET
issue-856	249	37	future	future	NOUN
issue-856	249	38	.	.	PUNCT
issue-856	250	1	in	in	ADP
issue-856	250	2	conclusion	conclusion	NOUN
issue-856	250	3	,	,	PUNCT
issue-856	250	4	it	it	PRON
issue-856	250	5	should	should	AUX
issue-856	250	6	be	be	AUX
issue-856	250	7	noted	note	VERB
issue-856	250	8	that	that	SCONJ
issue-856	250	9	the	the	DET
issue-856	250	10	stabilization	stabilization	NOUN
issue-856	250	11	of	of	ADP
issue-856	250	12	the	the	DET
issue-856	250	13	economy	economy	NOUN
issue-856	250	14	,	,	PUNCT
issue-856	250	15	updating	update	VERB
issue-856	250	16	the	the	DET
issue-856	250	17	legal	legal	ADJ
issue-856	250	18	framework	framework	NOUN
issue-856	250	19	and	and	CCONJ
issue-856	250	20	implementation	implementation	NOUN
issue-856	250	21	of	of	ADP
issue-856	250	22	new	new	ADJ
issue-856	250	23	technologies	technology	NOUN
issue-856	250	24	in	in	ADP
issue-856	250	25	the	the	DET
issue-856	250	26	activities	activity	NOUN
issue-856	250	27	of	of	ADP
issue-856	250	28	traditional	traditional	ADJ
issue-856	250	29	credit	credit	NOUN
issue-856	250	30	institutions	institution	NOUN
issue-856	250	31	can	can	AUX
issue-856	250	32	have	have	VERB
issue-856	250	33	a	a	DET
issue-856	250	34	beneficial	beneficial	ADJ
issue-856	250	35	effect	effect	NOUN
issue-856	250	36	on	on	ADP
issue-856	250	37	the	the	DET
issue-856	250	38	rapid	rapid	ADJ
issue-856	250	39	growth	growth	NOUN
issue-856	250	40	of	of	ADP
issue-856	250	41	financial	financial	ADJ
issue-856	250	42	technology	technology	NOUN
issue-856	250	43	,	,	PUNCT
issue-856	250	44	which	which	PRON
issue-856	250	45	already	already	ADV
issue-856	250	46	surpasses	surpass	VERB
issue-856	250	47	any	any	DET
issue-856	250	48	other	other	ADJ
issue-856	250	49	high	high	ADJ
issue-856	250	50	-	-	PUNCT
issue-856	250	51	tech	tech	NOUN
issue-856	250	52	industry	industry	NOUN
issue-856	250	53	in	in	ADP
issue-856	250	54	ukraine	ukraine	PROPN
issue-856	250	55	.	.	PUNCT
issue-856	251	1	references	reference	NOUN
issue-856	251	2	:	:	PUNCT
issue-856	251	3	ancri	ancri	PROPN
issue-856	251	4	,	,	PUNCT
issue-856	251	5	c.	c.	PROPN
issue-856	251	6	(	(	PUNCT
issue-856	251	7	2016	2016	NUM
issue-856	251	8	)	)	PUNCT
issue-856	251	9	.	.	PUNCT
issue-856	252	1	fintech	fintech	NOUN
issue-856	252	2	innovation	innovation	NOUN
issue-856	252	3	:	:	PUNCT
issue-856	252	4	an	an	DET
issue-856	252	5	overview	overview	NOUN
issue-856	252	6	.	.	PUNCT
issue-856	253	1	board	board	NOUN
issue-856	253	2	of	of	ADP
issue-856	253	3	governors	governor	NOUN
issue-856	253	4	of	of	ADP
issue-856	253	5	the	the	DET
issue-856	253	6	federal	federal	PROPN
issue-856	253	7	reserve	reserve	PROPN
issue-856	253	8	system	system	NOUN
issue-856	253	9	.	.	PUNCT
issue-856	254	1	available	available	ADJ
issue-856	254	2	at	at	ADP
issue-856	254	3	:	:	PUNCT
issue-856	254	4	http://pubdocs.worldbank.org/en/767751477065124612/11-fintech.pdf	http://pubdocs.worldbank.org/en/767751477065124612/11-fintech.pdf	PROPN
issue-856	254	5	arner	arner	NOUN
issue-856	254	6	,	,	PUNCT
issue-856	254	7	d.	d.	PROPN
issue-856	254	8	w.	w.	PROPN
issue-856	254	9	,	,	PUNCT
issue-856	254	10	barberis	barberis	PROPN
issue-856	254	11	,	,	PUNCT
issue-856	254	12	j.	j.	PROPN
issue-856	254	13	n.	n.	PROPN
issue-856	254	14	,	,	PUNCT
issue-856	254	15	&	&	CCONJ
issue-856	254	16	buckley	buckley	PROPN
issue-856	254	17	,	,	PUNCT
issue-856	254	18	r.	r.	PROPN
issue-856	254	19	p.	p.	PROPN
issue-856	254	20	(	(	PUNCT
issue-856	254	21	2015	2015	NUM
issue-856	254	22	)	)	PUNCT
issue-856	254	23	.	.	PUNCT
issue-856	255	1	the	the	DET
issue-856	255	2	evolution	evolution	NOUN
issue-856	255	3	of	of	ADP
issue-856	255	4	fintech	fintech	NOUN
issue-856	255	5	:	:	PUNCT
issue-856	255	6	a	a	DET
issue-856	255	7	new	new	ADJ
issue-856	255	8	post	post	ADJ
issue-856	255	9	-	-	ADJ
issue-856	255	10	crisis	crisis	NOUN
issue-856	255	11	paradigm	paradigm	NOUN
issue-856	255	12	?	?	PUNCT
issue-856	256	1	university	university	NOUN
issue-856	256	2	of	of	ADP
issue-856	256	3	hong	hong	PROPN
issue-856	256	4	kong	kong	PROPN
issue-856	256	5	faculty	faculty	NOUN
issue-856	256	6	of	of	ADP
issue-856	256	7	law	law	NOUN
issue-856	256	8	research	research	NOUN
issue-856	256	9	paper	paper	NOUN
issue-856	256	10	,	,	PUNCT
issue-856	256	11	2015/047	2015/047	NUM
issue-856	256	12	.	.	PUNCT
issue-856	256	13	available	available	ADJ
issue-856	256	14	at	at	ADP
issue-856	256	15	:	:	PUNCT
issue-856	256	16	https://ssrn.com/	https://ssrn.com/	PROPN
issue-856	256	17	abstract=2676553	abstract=2676553	NOUN
issue-856	256	18	;	;	PUNCT
issue-856	256	19	http://dx.doi.org/10.2139/ssrn.2676553	http://dx.doi.org/10.2139/ssrn.2676553	NUM
issue-856	256	20	center	center	NOUN
issue-856	256	21	for	for	ADP
issue-856	256	22	economic	economic	ADJ
issue-856	256	23	research	research	NOUN
issue-856	256	24	and	and	CCONJ
issue-856	256	25	forecasting	forecasting	NOUN
issue-856	256	26	“	"	PUNCT
issue-856	256	27	financial	financial	ADJ
issue-856	256	28	pulse	pulse	NOUN
issue-856	256	29	”	"	PUNCT
issue-856	256	30	.	.	PUNCT
issue-856	257	1	(	(	PUNCT
issue-856	257	2	n.d	n.d	PROPN
issue-856	257	3	.	.	PROPN
issue-856	257	4	)	)	PUNCT
issue-856	257	5	banks	bank	NOUN
issue-856	257	6	and	and	CCONJ
issue-856	257	7	fintech	fintech	NOUN
issue-856	257	8	companies	company	NOUN
issue-856	257	9	:	:	PUNCT
issue-856	257	10	strength	strength	NOUN
issue-856	257	11	–	–	PUNCT
issue-856	257	12	in	in	ADP
issue-856	257	13	unity	unity	NOUN
issue-856	257	14	.	.	PUNCT
issue-856	258	1	available	available	ADJ
issue-856	258	2	at	at	ADP
issue-856	258	3	:	:	PUNCT
issue-856	258	4	http://finpuls.com/upload/docs/news/banking/reviews/банки	http://finpuls.com/upload/docs/news/banking/reviews/банки	NOUN
issue-856	258	5	%	%	NOUN
issue-856	258	6	20та	20та	ADJ
issue-856	258	7	%	%	NOUN
issue-856	258	8	20фінтех-компанії.pdf	20фінтех-компанії.pdf	NUM
issue-856	258	9	chishti	chishti	PROPN
issue-856	258	10	,	,	PUNCT
issue-856	258	11	s.	s.	PROPN
issue-856	258	12	,	,	PUNCT
issue-856	258	13	&	&	CCONJ
issue-856	258	14	barberis	barberis	PROPN
issue-856	258	15	,	,	PUNCT
issue-856	258	16	j.	j.	PROPN
issue-856	258	17	(	(	PUNCT
issue-856	258	18	2016	2016	NUM
issue-856	258	19	)	)	PUNCT
issue-856	258	20	.	.	PUNCT
issue-856	259	1	the	the	DET
issue-856	259	2	fintech	fintech	NOUN
issue-856	259	3	book	book	NOUN
issue-856	259	4	:	:	PUNCT
issue-856	259	5	the	the	DET
issue-856	259	6	financial	financial	ADJ
issue-856	259	7	technology	technology	NOUN
issue-856	259	8	handbook	handbook	NOUN
issue-856	259	9	for	for	ADP
issue-856	259	10	investors	investor	NOUN
issue-856	259	11	,	,	PUNCT
issue-856	259	12	entrepreneurs	entrepreneur	NOUN
issue-856	259	13	and	and	CCONJ
issue-856	259	14	visionaries	visionary	NOUN
issue-856	259	15	.	.	PUNCT
issue-856	260	1	john	john	PROPN
issue-856	260	2	wiley	wiley	PROPN
issue-856	260	3	&	&	CCONJ
issue-856	260	4	sons	son	NOUN
issue-856	260	5	.	.	PUNCT
issue-856	261	1	dorfleitner	dorfleitner	PROPN
issue-856	261	2	,	,	PUNCT
issue-856	261	3	g.	g.	PROPN
issue-856	261	4	,	,	PUNCT
issue-856	261	5	&	&	CCONJ
issue-856	261	6	hornuf	hornuf	PROPN
issue-856	261	7	,	,	PUNCT
issue-856	261	8	l.	l.	PROPN
issue-856	261	9	&	&	CCONJ
issue-856	261	10	,	,	PUNCT
issue-856	261	11	schmitt	schmitt	PROPN
issue-856	261	12	,	,	PUNCT
issue-856	261	13	m.	m.	NOUN
issue-856	261	14	,	,	PUNCT
issue-856	261	15	&	&	CCONJ
issue-856	261	16	weber	weber	PROPN
issue-856	261	17	,	,	PUNCT
issue-856	261	18	m.	m.	NOUN
issue-856	261	19	(	(	PUNCT
issue-856	261	20	2016	2016	NUM
issue-856	261	21	)	)	PUNCT
issue-856	261	22	.	.	PUNCT
issue-856	262	1	the	the	DET
issue-856	262	2	fintech	fintech	NOUN
issue-856	262	3	market	market	NOUN
issue-856	262	4	in	in	ADP
issue-856	262	5	germany	germany	PROPN
issue-856	262	6	.	.	PUNCT
issue-856	263	1	available	available	ADJ
issue-856	263	2	at	at	ADP
issue-856	263	3	:	:	PUNCT
issue-856	263	4	https://ssrn.com/abstract=2885931	https://ssrn.com/abstract=2885931	NOUN
issue-856	263	5	;	;	PUNCT
issue-856	263	6	doi	doi	NOUN
issue-856	263	7	:	:	PUNCT
issue-856	263	8	http://dx.doi.org/10.2139/ssrn.2885931	http://dx.doi.org/10.2139/ssrn.2885931	ADJ
issue-856	263	9	dudynets	dudynet	NOUN
issue-856	263	10	,	,	PUNCT
issue-856	263	11	l.a	l.a	PROPN
issue-856	263	12	.	.	PROPN
issue-856	263	13	(	(	PUNCT
issue-856	263	14	2018	2018	NUM
issue-856	263	15	)	)	PUNCT
issue-856	263	16	.	.	PUNCT
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issue-856	265	1	[	[	X
issue-856	265	2	development	development	NOUN
issue-856	265	3	of	of	ADP
issue-856	265	4	financial	financial	ADJ
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issue-856	265	13	financial	financial	ADJ
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issue-856	265	16	.	.	PUNCT
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issue-856	270	2	,	,	PUNCT
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issue-856	273	1	[	[	X
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issue-856	274	10	of	of	ADP
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issue-856	275	2	,	,	PUNCT
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issue-856	276	4	at	at	ADP
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issue-856	276	14	)	)	PUNCT
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issue-856	277	7	.	.	PUNCT
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issue-856	278	2	at	at	ADP
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issue-856	278	9	(	(	PUNCT
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issue-856	278	11	)	)	PUNCT
issue-856	278	12	.	.	PUNCT
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issue-856	279	13	-	-	PUNCT
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issue-856	279	16	,	,	PUNCT
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issue-856	279	18	-	-	SYM
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issue-856	279	20	.	.	PUNCT
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issue-856	280	6	,	,	PUNCT
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issue-856	280	8	,	,	PUNCT
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issue-856	280	10	-	-	SYM
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issue-856	280	12	.	.	PUNCT
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issue-856	280	20	.	.	PUNCT
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issue-856	281	2	;	;	PUNCT
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issue-856	281	11	)	)	PUNCT
issue-856	281	12	.	.	PUNCT
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issue-856	282	5	.	.	PUNCT
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issue-856	284	2	at	at	ADP
issue-856	284	3	:	:	PUNCT
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issue-856	284	6	-	-	PUNCT
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issue-856	284	8	-	-	PUNCT
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issue-856	284	10	-	-	PUNCT
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issue-856	284	25	.	.	PUNCT
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issue-856	285	14	to	to	PART
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issue-856	287	4	at	at	ADP
issue-856	287	5	:	:	PUNCT
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issue-856	287	7	;	;	PUNCT
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issue-856	287	22	.	.	PUNCT
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issue-856	289	2	fintech	fintech	NOUN
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issue-856	292	2	.	.	PUNCT
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issue-856	299	4	at	at	ADP
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issue-856	299	15	)	)	PUNCT
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issue-856	300	13	.	.	PUNCT
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issue-856	301	3	.	.	PUNCT
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issue-856	302	3	.	.	PUNCT
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issue-856	303	2	,	,	PUNCT
issue-856	303	3	n.	n.	PROPN
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issue-856	303	8	,	,	PUNCT
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issue-856	303	11	.	.	PUNCT
issue-856	303	12	(	(	PUNCT
issue-856	303	13	2017	2017	NUM
issue-856	303	14	)	)	PUNCT
issue-856	303	15	.	.	PUNCT
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issue-856	304	5	finansovykh	finansovykh	PROPN
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issue-856	305	1	[	[	X
issue-856	305	2	the	the	DET
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issue-856	305	4	trends	trend	NOUN
issue-856	305	5	in	in	ADP
issue-856	305	6	the	the	DET
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issue-856	307	4	)	)	PUNCT
issue-856	307	5	.	.	PUNCT
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issue-856	308	8	to	to	ADP
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issue-856	308	10	,	,	PUNCT
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issue-856	308	13	.	.	PUNCT
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issue-856	309	2	at	at	ADP
issue-856	309	3	:	:	PUNCT
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issue-856	309	11	)	)	PUNCT
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issue-856	312	13	,	,	PUNCT
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issue-856	312	17	,	,	PUNCT
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issue-856	312	19	.	.	PUNCT
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issue-856	313	2	.	.	PUNCT
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issue-856	314	2	at	at	ADP
issue-856	314	3	:	:	PUNCT
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issue-856	314	6	,	,	PUNCT
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issue-856	314	10	)	)	PUNCT
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issue-856	331	8	.	.	PUNCT
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issue-856	332	2	at	at	ADP
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issue-856	335	14	of	of	ADP
issue-856	335	15	fintech	fintech	NOUN
issue-856	335	16	and	and	CCONJ
issue-856	335	17	innovative	innovative	ADJ
issue-856	335	18	companies	company	NOUN
issue-856	335	19	(	(	PUNCT
issue-856	335	20	2019	2019	NUM
issue-856	335	21	)	)	PUNCT
issue-856	335	22	.	.	PUNCT
issue-856	336	1	the	the	DET
issue-856	336	2	ukrainian	ukrainian	ADJ
issue-856	336	3	fintech	fintech	NOUN
issue-856	336	4	catalog	catalog	NOUN
issue-856	336	5	–	–	PUNCT
issue-856	336	6	2019	2019	NUM
issue-856	336	7	.	.	PUNCT
issue-856	336	8	available	available	ADJ
issue-856	336	9	at	at	ADP
issue-856	336	10	:	:	PUNCT
issue-856	336	11	https://map.fintechua.org	https://map.fintechua.org	X
issue-856	336	12	international	international	PROPN
issue-856	336	13	institute	institute	NOUN
issue-856	336	14	for	for	ADP
issue-856	336	15	management	management	NOUN
issue-856	336	16	development	development	NOUN
issue-856	336	17	(	(	PUNCT
issue-856	336	18	2019	2019	NUM
issue-856	336	19	)	)	PUNCT
issue-856	336	20	.	.	PUNCT
issue-856	337	1	world	world	NOUN
issue-856	337	2	digital	digital	ADJ
issue-856	337	3	competitiveness	competitiveness	NOUN
issue-856	337	4	ranking	ranking	NOUN
issue-856	337	5	–	–	PUNCT
issue-856	337	6	2019	2019	NUM
issue-856	337	7	.	.	PUNCT
issue-856	338	1	available	available	ADJ
issue-856	338	2	at	at	ADP
issue-856	338	3	:	:	PUNCT
issue-856	338	4	https://www.imd.org/globalassets/wcc/docs/release-2019/digital/imd-world-digital-competitivenessrankings-2019.pdf	https://www.imd.org/globalassets/wcc/docs/release-2019/digital/imd-world-digital-competitivenessrankings-2019.pdf	PROPN
issue-856	338	5	deloitte	deloitte	PROPN
issue-856	338	6	(	(	PUNCT
issue-856	338	7	2017	2017	NUM
issue-856	338	8	)	)	PUNCT
issue-856	338	9	.	.	PUNCT
issue-856	339	1	fintech	fintech	NOUN
issue-856	339	2	by	by	ADP
issue-856	339	3	the	the	DET
issue-856	339	4	numbers	number	NOUN
issue-856	339	5	.	.	PUNCT
issue-856	340	1	incumbents	incumbent	NOUN
issue-856	340	2	,	,	PUNCT
issue-856	340	3	startups	startup	NOUN
issue-856	340	4	,	,	PUNCT
issue-856	340	5	investors	investor	NOUN
issue-856	340	6	adapt	adapt	VERB
issue-856	340	7	to	to	ADP
issue-856	340	8	maturing	mature	VERB
issue-856	340	9	ecosystem	ecosystem	NOUN
issue-856	340	10	.	.	PUNCT
issue-856	341	1	available	available	ADJ
issue-856	341	2	at	at	ADP
issue-856	341	3	:	:	PUNCT
issue-856	341	4	https://www2.deloitte.com/content/dam/deloitte/tr/documents/financial-services/dcfs-fintech-by-the-numbers.pdf	https://www2.deloitte.com/content/dam/deloitte/tr/documents/financial-services/dcfs-fintech-by-the-numbers.pdf	PROPN