id	sid	tid	token	lemma	pos
ctmj-139	1	1	issn	issn	PROPN
ctmj-139	1	2	:	:	PUNCT
ctmj-139	1	3	2693	2693	NUM
ctmj-139	1	4	6356	6356	NUM
ctmj-139	1	5	2023	2023	NUM
ctmj-139	1	6	|	|	ADV
ctmj-139	1	7	vol	vol	NOUN
ctmj-139	1	8	6	6	NUM
ctmj-139	1	9	|	|	ADV
ctmj-139	1	10	issue	issue	VERB
ctmj-139	1	11	4	4	NUM
ctmj-139	1	12	strategies	strategy	NOUN
ctmj-139	1	13	for	for	ADP
ctmj-139	1	14	digital	digital	ADJ
ctmj-139	1	15	initiatives	initiative	NOUN
ctmj-139	1	16	and	and	CCONJ
ctmj-139	1	17	corporate	corporate	ADJ
ctmj-139	1	18	planning	planning	NOUN
ctmj-139	1	19	m	m	VERB
ctmj-139	1	20	.mallika	.mallika	INTJ
ctmj-139	1	21	,	,	PUNCT
ctmj-139	1	22	k.harshitha	k.harshitha	ADJ
ctmj-139	1	23	,	,	PUNCT
ctmj-139	1	24	m.deekshitha	m.deekshitha	CCONJ
ctmj-139	1	25	associate	associate	ADJ
ctmj-139	1	26	professor	professor	NOUN
ctmj-139	1	27	1,2,3	1,2,3	NUM
ctmj-139	1	28	librarian	librarian	PROPN
ctmj-139	1	29	kle	kle	PROPN
ctmj-139	1	30	society	society	PROPN
ctmj-139	1	31	s.	s.	PROPN
ctmj-139	1	32	nijalingappa	nijalingappa	PROPN
ctmj-139	1	33	college	college	PROPN
ctmj-139	1	34	rajajinagar	rajajinagar	NOUN
ctmj-139	1	35	,	,	PUNCT
ctmj-139	1	36	abstract	abstract	ADJ
ctmj-139	1	37	in	in	ADP
ctmj-139	1	38	today	today	NOUN
ctmj-139	1	39	's	's	PART
ctmj-139	1	40	global	global	ADJ
ctmj-139	1	41	economy	economy	NOUN
ctmj-139	1	42	,	,	PUNCT
ctmj-139	1	43	the	the	DET
ctmj-139	1	44	financial	financial	ADJ
ctmj-139	1	45	system	system	NOUN
ctmj-139	1	46	is	be	AUX
ctmj-139	1	47	crucial	crucial	ADJ
ctmj-139	1	48	.	.	PUNCT
ctmj-139	2	1	individuals	individual	NOUN
ctmj-139	2	2	deposit	deposit	VERB
ctmj-139	2	3	their	their	PRON
ctmj-139	2	4	funds	fund	NOUN
ctmj-139	2	5	with	with	ADP
ctmj-139	2	6	banks	bank	NOUN
ctmj-139	2	7	,	,	PUNCT
ctmj-139	2	8	which	which	PRON
ctmj-139	2	9	then	then	ADV
ctmj-139	2	10	provide	provide	VERB
ctmj-139	2	11	loans	loan	NOUN
ctmj-139	2	12	to	to	ADP
ctmj-139	2	13	entrepreneurs	entrepreneur	NOUN
ctmj-139	2	14	and	and	CCONJ
ctmj-139	2	15	manufacturers	manufacturer	NOUN
ctmj-139	2	16	.	.	PUNCT
ctmj-139	3	1	loans	loan	NOUN
ctmj-139	3	2	from	from	ADP
ctmj-139	3	3	banks	bank	NOUN
ctmj-139	3	4	are	be	AUX
ctmj-139	3	5	a	a	DET
ctmj-139	3	6	boon	boon	NOUN
ctmj-139	3	7	to	to	ADP
ctmj-139	3	8	the	the	DET
ctmj-139	3	9	economy	economy	NOUN
ctmj-139	3	10	.	.	PUNCT
ctmj-139	4	1	loans	loan	NOUN
ctmj-139	4	2	from	from	ADP
ctmj-139	4	3	financial	financial	ADJ
ctmj-139	4	4	institutions	institution	NOUN
ctmj-139	4	5	help	help	VERB
ctmj-139	4	6	manufacturers	manufacturer	NOUN
ctmj-139	4	7	pay	pay	VERB
ctmj-139	4	8	for	for	ADP
ctmj-139	4	9	things	thing	NOUN
ctmj-139	4	10	like	like	ADP
ctmj-139	4	11	raw	raw	ADJ
ctmj-139	4	12	materials	material	NOUN
ctmj-139	4	13	and	and	CCONJ
ctmj-139	4	14	working	working	NOUN
ctmj-139	4	15	capital	capital	NOUN
ctmj-139	4	16	.	.	PUNCT
ctmj-139	5	1	putting	put	VERB
ctmj-139	5	2	money	money	NOUN
ctmj-139	5	3	in	in	ADP
ctmj-139	5	4	a	a	DET
ctmj-139	5	5	bank	bank	NOUN
ctmj-139	5	6	is	be	AUX
ctmj-139	5	7	a	a	DET
ctmj-139	5	8	secure	secure	ADJ
ctmj-139	5	9	option	option	NOUN
ctmj-139	5	10	.	.	PUNCT
ctmj-139	6	1	it	it	PRON
ctmj-139	6	2	's	be	AUX
ctmj-139	6	3	also	also	ADV
ctmj-139	6	4	a	a	DET
ctmj-139	6	5	good	good	ADJ
ctmj-139	6	6	way	way	NOUN
ctmj-139	6	7	to	to	PART
ctmj-139	6	8	rack	rack	VERB
ctmj-139	6	9	up	up	ADP
ctmj-139	6	10	interest	interest	NOUN
ctmj-139	6	11	.	.	PUNCT
ctmj-139	7	1	as	as	ADP
ctmj-139	7	2	a	a	DET
ctmj-139	7	3	result	result	NOUN
ctmj-139	7	4	,	,	PUNCT
ctmj-139	7	5	people	people	NOUN
ctmj-139	7	6	are	be	AUX
ctmj-139	7	7	more	more	ADV
ctmj-139	7	8	motivated	motivated	ADJ
ctmj-139	7	9	to	to	PART
ctmj-139	7	10	save	save	VERB
ctmj-139	7	11	,	,	PUNCT
ctmj-139	7	12	and	and	CCONJ
ctmj-139	7	13	they	they	PRON
ctmj-139	7	14	put	put	VERB
ctmj-139	7	15	away	away	ADV
ctmj-139	7	16	more	more	ADJ
ctmj-139	7	17	money	money	NOUN
ctmj-139	7	18	.	.	PUNCT
ctmj-139	8	1	the	the	DET
ctmj-139	8	2	funds	fund	NOUN
ctmj-139	8	3	spared	spare	VERB
ctmj-139	8	4	may	may	AUX
ctmj-139	8	5	be	be	AUX
ctmj-139	8	6	invested	invest	VERB
ctmj-139	8	7	in	in	ADP
ctmj-139	8	8	the	the	DET
ctmj-139	8	9	creation	creation	NOUN
ctmj-139	8	10	of	of	ADP
ctmj-139	8	11	further	further	ADJ
ctmj-139	8	12	capital	capital	NOUN
ctmj-139	8	13	equipment	equipment	NOUN
ctmj-139	8	14	.	.	PUNCT
ctmj-139	9	1	in	in	ADP
ctmj-139	9	2	this	this	DET
ctmj-139	9	3	way	way	NOUN
ctmj-139	9	4	,	,	PUNCT
ctmj-139	9	5	banks	bank	NOUN
ctmj-139	9	6	contribute	contribute	VERB
ctmj-139	9	7	to	to	ADP
ctmj-139	9	8	economic	economic	ADJ
ctmj-139	9	9	development	development	NOUN
ctmj-139	9	10	by	by	ADP
ctmj-139	9	11	providing	provide	VERB
ctmj-139	9	12	a	a	DET
ctmj-139	9	13	source	source	NOUN
ctmj-139	9	14	for	for	ADP
ctmj-139	9	15	additional	additional	ADJ
ctmj-139	9	16	money	money	NOUN
ctmj-139	9	17	.	.	PUNCT
ctmj-139	10	1	the	the	DET
ctmj-139	10	2	systems	system	NOUN
ctmj-139	10	3	that	that	PRON
ctmj-139	10	4	control	control	VERB
ctmj-139	10	5	the	the	DET
ctmj-139	10	6	bank	bank	NOUN
ctmj-139	10	7	's	's	PART
ctmj-139	10	8	operations	operation	NOUN
ctmj-139	10	9	are	be	AUX
ctmj-139	10	10	what	what	PRON
ctmj-139	10	11	create	create	VERB
ctmj-139	10	12	and	and	CCONJ
ctmj-139	10	13	compound	compound	VERB
ctmj-139	10	14	the	the	DET
ctmj-139	10	15	savings	saving	NOUN
ctmj-139	10	16	.	.	PUNCT
ctmj-139	11	1	therefore	therefore	ADV
ctmj-139	11	2	,	,	PUNCT
ctmj-139	11	3	research	research	NOUN
ctmj-139	11	4	has	have	AUX
ctmj-139	11	5	been	be	AUX
ctmj-139	11	6	conducted	conduct	VERB
ctmj-139	11	7	to	to	PART
ctmj-139	11	8	examine	examine	VERB
ctmj-139	11	9	the	the	DET
ctmj-139	11	10	kvb	kvb	NOUN
ctmj-139	11	11	's	's	PART
ctmj-139	11	12	business	business	NOUN
ctmj-139	11	13	strategies	strategy	NOUN
ctmj-139	11	14	and	and	CCONJ
ctmj-139	11	15	its	its	PRON
ctmj-139	11	16	banking	banking	NOUN
ctmj-139	11	17	sector	sector	NOUN
ctmj-139	11	18	management	management	NOUN
ctmj-139	11	19	.	.	PUNCT
ctmj-139	12	1	key	key	ADJ
ctmj-139	12	2	words	word	NOUN
ctmj-139	12	3	:	:	PUNCT
ctmj-139	12	4	subsidy	subsidy	NOUN
ctmj-139	12	5	program	program	NOUN
ctmj-139	12	6	,	,	PUNCT
ctmj-139	12	7	reliable	reliable	ADJ
ctmj-139	12	8	service	service	NOUN
ctmj-139	12	9	,	,	PUNCT
ctmj-139	12	10	participation	participation	NOUN
ctmj-139	12	11	plan	plan	NOUN
ctmj-139	12	12	,	,	PUNCT
ctmj-139	12	13	and	and	CCONJ
ctmj-139	12	14	activators	activator	NOUN
ctmj-139	12	15	introduction	introduction	NOUN
ctmj-139	12	16	domestic	domestic	ADJ
ctmj-139	12	17	and	and	CCONJ
ctmj-139	12	18	foreign	foreign	ADJ
ctmj-139	12	19	commerce	commerce	NOUN
ctmj-139	12	20	are	be	AUX
ctmj-139	12	21	both	both	PRON
ctmj-139	12	22	aided	aid	VERB
ctmj-139	12	23	by	by	ADP
ctmj-139	12	24	the	the	DET
ctmj-139	12	25	banking	banking	NOUN
ctmj-139	12	26	system	system	NOUN
ctmj-139	12	27	.	.	PUNCT
ctmj-139	13	1	much	much	ADJ
ctmj-139	13	2	business	business	NOUN
ctmj-139	13	3	is	be	AUX
ctmj-139	13	4	conducted	conduct	VERB
ctmj-139	13	5	on	on	ADP
ctmj-139	13	6	credit	credit	NOUN
ctmj-139	13	7	.	.	PUNCT
ctmj-139	14	1	in	in	ADP
ctmj-139	14	2	order	order	NOUN
ctmj-139	14	3	for	for	SCONJ
ctmj-139	14	4	businesses	business	NOUN
ctmj-139	14	5	to	to	PART
ctmj-139	14	6	provide	provide	VERB
ctmj-139	14	7	credit	credit	NOUN
ctmj-139	14	8	terms	term	NOUN
ctmj-139	14	9	to	to	ADP
ctmj-139	14	10	their	their	PRON
ctmj-139	14	11	clients	client	NOUN
ctmj-139	14	12	,	,	PUNCT
ctmj-139	14	13	they	they	PRON
ctmj-139	14	14	rely	rely	VERB
ctmj-139	14	15	on	on	ADP
ctmj-139	14	16	bank	bank	NOUN
ctmj-139	14	17	references	reference	NOUN
ctmj-139	14	18	and	and	CCONJ
ctmj-139	14	19	guarantees	guarantee	NOUN
ctmj-139	14	20	.	.	PUNCT
ctmj-139	15	1	this	this	PRON
ctmj-139	15	2	is	be	AUX
ctmj-139	15	3	especially	especially	ADV
ctmj-139	15	4	crucial	crucial	ADJ
ctmj-139	15	5	in	in	ADP
ctmj-139	15	6	international	international	ADJ
ctmj-139	15	7	commerce	commerce	NOUN
ctmj-139	15	8	,	,	PUNCT
ctmj-139	15	9	when	when	SCONJ
ctmj-139	15	10	buyers	buyer	NOUN
ctmj-139	15	11	and	and	CCONJ
ctmj-139	15	12	sellers	seller	NOUN
ctmj-139	15	13	may	may	AUX
ctmj-139	15	14	be	be	AUX
ctmj-139	15	15	located	locate	VERB
ctmj-139	15	16	in	in	ADP
ctmj-139	15	17	completely	completely	ADV
ctmj-139	15	18	different	different	ADJ
ctmj-139	15	19	nations	nation	NOUN
ctmj-139	15	20	and	and	CCONJ
ctmj-139	15	21	be	be	AUX
ctmj-139	15	22	completely	completely	ADV
ctmj-139	15	23	unfamiliar	unfamiliar	ADJ
ctmj-139	15	24	with	with	ADP
ctmj-139	15	25	one	one	NUM
ctmj-139	15	26	another	another	DET
ctmj-139	15	27	.	.	PUNCT
ctmj-139	16	1	banks	bank	NOUN
ctmj-139	16	2	serve	serve	VERB
ctmj-139	16	3	both	both	DET
ctmj-139	16	4	local	local	ADJ
ctmj-139	16	5	and	and	CCONJ
ctmj-139	16	6	foreign	foreign	ADJ
ctmj-139	16	7	clients	client	NOUN
ctmj-139	16	8	by	by	ADP
ctmj-139	16	9	connecting	connect	VERB
ctmj-139	16	10	them	they	PRON
ctmj-139	16	11	to	to	ADP
ctmj-139	16	12	a	a	DET
ctmj-139	16	13	wide	wide	ADJ
ctmj-139	16	14	variety	variety	NOUN
ctmj-139	16	15	of	of	ADP
ctmj-139	16	16	deposit	deposit	NOUN
ctmj-139	16	17	and	and	CCONJ
ctmj-139	16	18	withdrawal	withdrawal	NOUN
ctmj-139	16	19	options	option	NOUN
ctmj-139	16	20	.	.	PUNCT
ctmj-139	17	1	kvb	kvb	NOUN
ctmj-139	17	2	's	's	PART
ctmj-139	17	3	bank	bank	NOUN
ctmj-139	17	4	activators	activator	NOUN
ctmj-139	17	5	include	include	VERB
ctmj-139	17	6	;	;	PUNCT
ctmj-139	17	7	corporate	corporate	ADJ
ctmj-139	17	8	and	and	CCONJ
ctmj-139	17	9	institutional	institutional	ADJ
ctmj-139	17	10	group	group	NOUN
ctmj-139	17	11	(	(	PUNCT
ctmj-139	17	12	cig	cig	PROPN
ctmj-139	17	13	)	)	PUNCT
ctmj-139	17	14	working	work	VERB
ctmj-139	17	15	capital	capital	PROPN
ctmj-139	17	16	funding	funding	NOUN
ctmj-139	17	17	,	,	PUNCT
ctmj-139	17	18	term	term	NOUN
ctmj-139	17	19	loans	loan	NOUN
ctmj-139	17	20	,	,	PUNCT
ctmj-139	17	21	specialized	specialized	ADJ
ctmj-139	17	22	corporate	corporate	ADJ
ctmj-139	17	23	funding	funding	NOUN
ctmj-139	17	24	products	product	NOUN
ctmj-139	17	25	,	,	PUNCT
ctmj-139	17	26	trade	trade	NOUN
ctmj-139	17	27	and	and	CCONJ
ctmj-139	17	28	transaction	transaction	NOUN
ctmj-139	17	29	banking	banking	NOUN
ctmj-139	17	30	services	service	NOUN
ctmj-139	17	31	,	,	PUNCT
ctmj-139	17	32	and	and	CCONJ
ctmj-139	17	33	liquidity	liquidity	NOUN
ctmj-139	17	34	management	management	NOUN
ctmj-139	17	35	solutions	solution	NOUN
ctmj-139	17	36	are	be	AUX
ctmj-139	17	37	just	just	ADV
ctmj-139	17	38	some	some	PRON
ctmj-139	17	39	of	of	ADP
ctmj-139	17	40	the	the	DET
ctmj-139	17	41	services	service	NOUN
ctmj-139	17	42	offered	offer	VERB
ctmj-139	17	43	by	by	ADP
ctmj-139	17	44	kvb	kvb	NOUN
ctmj-139	17	45	's	's	PART
ctmj-139	17	46	corporate	corporate	ADJ
ctmj-139	17	47	and	and	CCONJ
ctmj-139	17	48	institutional	institutional	ADJ
ctmj-139	17	49	group	group	NOUN
ctmj-139	17	50	(	(	PUNCT
ctmj-139	17	51	cig	cig	PROPN
ctmj-139	17	52	)	)	PUNCT
ctmj-139	17	53	.	.	PUNCT
ctmj-139	18	1	commercial	commercial	ADJ
ctmj-139	18	2	banking	banking	NOUN
ctmj-139	18	3	group	group	NOUN
ctmj-139	18	4	(	(	PUNCT
ctmj-139	18	5	cbg	cbg	PROPN
ctmj-139	18	6	)	)	PUNCT
ctmj-139	18	7	the	the	DET
ctmj-139	18	8	bank	bank	NOUN
ctmj-139	18	9	would	would	AUX
ctmj-139	18	10	maintain	maintain	VERB
ctmj-139	18	11	a	a	DET
ctmj-139	18	12	steady	steady	ADJ
ctmj-139	18	13	supply	supply	NOUN
ctmj-139	18	14	of	of	ADP
ctmj-139	18	15	credit	credit	NOUN
ctmj-139	18	16	for	for	ADP
ctmj-139	18	17	small	small	ADJ
ctmj-139	18	18	and	and	CCONJ
ctmj-139	18	19	medium	medium	ADJ
ctmj-139	18	20	-	-	PUNCT
ctmj-139	18	21	sized	sized	ADJ
ctmj-139	18	22	enterprises	enterprise	NOUN
ctmj-139	18	23	(	(	PUNCT
ctmj-139	18	24	smes	sme	NOUN
ctmj-139	18	25	)	)	PUNCT
ctmj-139	18	26	and	and	CCONJ
ctmj-139	18	27	dealers	dealer	NOUN
ctmj-139	18	28	with	with	ADP
ctmj-139	18	29	credit	credit	NOUN
ctmj-139	18	30	needs	need	NOUN
ctmj-139	18	31	of	of	ADP
ctmj-139	18	32	up	up	ADP
ctmj-139	18	33	to	to	PART
ctmj-139	18	34	25	25	NUM
ctmj-139	18	35	billion	billion	NUM
ctmj-139	18	36	rupees	rupee	NOUN
ctmj-139	18	37	.	.	PUNCT
ctmj-139	19	1	the	the	DET
ctmj-139	19	2	bank	bank	NOUN
ctmj-139	19	3	has	have	AUX
ctmj-139	19	4	adapted	adapt	VERB
ctmj-139	19	5	its	its	PRON
ctmj-139	19	6	offerings	offering	NOUN
ctmj-139	19	7	to	to	PART
ctmj-139	19	8	better	well	ADV
ctmj-139	19	9	meet	meet	VERB
ctmj-139	19	10	customer	customer	NOUN
ctmj-139	19	11	needs	need	NOUN
ctmj-139	19	12	and	and	CCONJ
ctmj-139	19	13	industry	industry	NOUN
ctmj-139	19	14	standards	standard	NOUN
ctmj-139	19	15	,	,	PUNCT
ctmj-139	19	16	making	make	VERB
ctmj-139	19	17	the	the	DET
ctmj-139	19	18	center	center	NOUN
ctmj-139	19	19	more	more	ADV
ctmj-139	19	20	adaptable	adaptable	ADJ
ctmj-139	19	21	and	and	CCONJ
ctmj-139	19	22	valuable	valuable	ADJ
ctmj-139	19	23	.	.	PUNCT
ctmj-139	20	1	in	in	ADP
ctmj-139	20	2	accordance	accordance	NOUN
ctmj-139	20	3	with	with	ADP
ctmj-139	20	4	rbi	rbi	NOUN
ctmj-139	20	5	directives	directive	NOUN
ctmj-139	20	6	from	from	ADP
ctmj-139	20	7	february	february	PROPN
ctmj-139	20	8	21	21	NUM
ctmj-139	20	9	,	,	PUNCT
ctmj-139	20	10	2019	2019	NUM
ctmj-139	20	11	,	,	PUNCT
ctmj-139	20	12	it	it	PRON
ctmj-139	20	13	has	have	AUX
ctmj-139	20	14	begun	begin	VERB
ctmj-139	20	15	offering	offer	VERB
ctmj-139	20	16	interest	interest	NOUN
ctmj-139	20	17	subsidies	subsidy	NOUN
ctmj-139	20	18	to	to	ADP
ctmj-139	20	19	micro	micro	PROPN
ctmj-139	20	20	,	,	PUNCT
ctmj-139	20	21	small	small	ADJ
ctmj-139	20	22	,	,	PUNCT
ctmj-139	20	23	and	and	CCONJ
ctmj-139	20	24	medium	medium	ADJ
ctmj-139	20	25	-	-	PUNCT
ctmj-139	20	26	sized	sized	ADJ
ctmj-139	20	27	businesses	business	NOUN
ctmj-139	20	28	.	.	PUNCT
ctmj-139	21	1	starting	start	VERB
ctmj-139	21	2	on	on	ADP
ctmj-139	21	3	november	november	PROPN
ctmj-139	21	4	2nd	2nd	NOUN
ctmj-139	21	5	,	,	PUNCT
ctmj-139	21	6	2018	2018	NUM
ctmj-139	21	7	,	,	PUNCT
ctmj-139	21	8	for	for	ADP
ctmj-139	21	9	the	the	DET
ctmj-139	21	10	fiscal	fiscal	ADJ
ctmj-139	21	11	years	year	NOUN
ctmj-139	21	12	of	of	ADP
ctmj-139	21	13	2018	2018	NUM
ctmj-139	21	14	-	-	SYM
ctmj-139	21	15	2019	2019	NUM
ctmj-139	21	16	and	and	CCONJ
ctmj-139	21	17	2019	2019	NUM
ctmj-139	21	18	-	-	SYM
ctmj-139	21	19	2020	2020	NUM
ctmj-139	21	20	,	,	PUNCT
ctmj-139	21	21	all	all	DET
ctmj-139	21	22	micro	micro	ADJ
ctmj-139	21	23	,	,	PUNCT
ctmj-139	21	24	small	small	ADJ
ctmj-139	21	25	,	,	PUNCT
ctmj-139	21	26	and	and	CCONJ
ctmj-139	21	27	medium	medium	ADJ
ctmj-139	21	28	-	-	PUNCT
ctmj-139	21	29	sized	sized	ADJ
ctmj-139	21	30	enterprises	enterprise	NOUN
ctmj-139	21	31	(	(	PUNCT
ctmj-139	21	32	msmes	msme	NOUN
ctmj-139	21	33	)	)	PUNCT
ctmj-139	21	34	that	that	PRON
ctmj-139	21	35	are	be	AUX
ctmj-139	21	36	gst	gst	NOUN
ctmj-139	21	37	registered	register	VERB
ctmj-139	21	38	are	be	AUX
ctmj-139	21	39	eligible	eligible	ADJ
ctmj-139	21	40	for	for	ADP
ctmj-139	21	41	an	an	DET
ctmj-139	21	42	interest	interest	NOUN
ctmj-139	21	43	subvention	subvention	NOUN
ctmj-139	21	44	of	of	ADP
ctmj-139	21	45	2	2	NUM
ctmj-139	21	46	%	%	NOUN
ctmj-139	21	47	under	under	ADP
ctmj-139	21	48	this	this	DET
ctmj-139	21	49	scheme	scheme	NOUN
ctmj-139	21	50	for	for	ADP
ctmj-139	21	51	loans	loan	NOUN
ctmj-139	21	52	of	of	ADP
ctmj-139	21	53	up	up	ADP
ctmj-139	21	54	to	to	PART
ctmj-139	21	55	rs.100	rs.100	NOUN
ctmj-139	21	56	lakhs	lakh	NOUN
ctmj-139	21	57	.	.	PUNCT
ctmj-139	22	1	personal	personal	ADJ
ctmj-139	22	2	banking	banking	NOUN
ctmj-139	22	3	group	group	NOUN
ctmj-139	22	4	(	(	PUNCT
ctmj-139	22	5	pbg	pbg	PROPN
ctmj-139	22	6	)	)	PUNCT
ctmj-139	22	7	with	with	ADP
ctmj-139	22	8	the	the	DET
ctmj-139	22	9	introduction	introduction	NOUN
ctmj-139	22	10	of	of	ADP
ctmj-139	22	11	kvb	kvb	NOUN
ctmj-139	22	12	next	next	ADV
ctmj-139	22	13	,	,	PUNCT
ctmj-139	22	14	kvb	kvb	NOUN
ctmj-139	22	15	has	have	AUX
ctmj-139	22	16	used	use	VERB
ctmj-139	22	17	digital	digital	ADJ
ctmj-139	22	18	technology	technology	NOUN
ctmj-139	22	19	for	for	ADP
ctmj-139	22	20	the	the	DET
ctmj-139	22	21	whole	whole	ADJ
ctmj-139	22	22	cycle	cycle	NOUN
ctmj-139	22	23	of	of	ADP
ctmj-139	22	24	retail	retail	ADJ
ctmj-139	22	25	loan	loan	NOUN
ctmj-139	22	26	processing	processing	NOUN
ctmj-139	22	27	,	,	PUNCT
ctmj-139	22	28	streamlining	streamline	VERB
ctmj-139	22	29	the	the	DET
ctmj-139	22	30	experience	experience	NOUN
ctmj-139	22	31	for	for	ADP
ctmj-139	22	32	borrowers	borrower	NOUN
ctmj-139	22	33	.	.	PUNCT
ctmj-139	23	1	kvb	kvb	NOUN
ctmj-139	23	2	next	next	ADV
ctmj-139	23	3	is	be	AUX
ctmj-139	23	4	the	the	DET
ctmj-139	23	5	first	first	ADJ
ctmj-139	23	6	of	of	ADP
ctmj-139	23	7	its	its	PRON
ctmj-139	23	8	type	type	NOUN
ctmj-139	23	9	in	in	ADP
ctmj-139	23	10	the	the	DET
ctmj-139	23	11	indian	indian	ADJ
ctmj-139	23	12	banking	banking	NOUN
ctmj-139	23	13	market	market	NOUN
ctmj-139	23	14	;	;	PUNCT
ctmj-139	23	15	it	it	PRON
ctmj-139	23	16	uses	use	VERB
ctmj-139	23	17	a	a	DET
ctmj-139	23	18	tab	tab	NOUN
ctmj-139	23	19	-	-	PUNCT
ctmj-139	23	20	based	base	VERB
ctmj-139	23	21	application	application	NOUN
ctmj-139	23	22	to	to	PART
ctmj-139	23	23	handle	handle	VERB
ctmj-139	23	24	retail	retail	ADJ
ctmj-139	23	25	loan	loan	NOUN
ctmj-139	23	26	requests	request	NOUN
ctmj-139	23	27	,	,	PUNCT
ctmj-139	23	28	and	and	CCONJ
ctmj-139	23	29	it	it	PRON
ctmj-139	23	30	may	may	AUX
ctmj-139	23	31	provide	provide	VERB
ctmj-139	23	32	in	in	ADP
ctmj-139	23	33	-	-	PUNCT
ctmj-139	23	34	principle	principle	NOUN
ctmj-139	23	35	loan	loan	NOUN
ctmj-139	23	36	approval	approval	NOUN
ctmj-139	23	37	to	to	ADP
ctmj-139	23	38	qualified	qualified	ADJ
ctmj-139	23	39	consumers	consumer	NOUN
ctmj-139	23	40	in	in	ADP
ctmj-139	23	41	as	as	ADV
ctmj-139	23	42	little	little	ADJ
ctmj-139	23	43	as	as	ADP
ctmj-139	23	44	15	15	NUM
ctmj-139	23	45	minutes	minute	NOUN
ctmj-139	23	46	and	and	CCONJ
ctmj-139	23	47	complete	complete	ADJ
ctmj-139	23	48	loan	loan	NOUN
ctmj-139	23	49	distribution	distribution	NOUN
ctmj-139	23	50	in	in	ADP
ctmj-139	23	51	as	as	ADV
ctmj-139	23	52	little	little	ADJ
ctmj-139	23	53	as	as	ADP
ctmj-139	23	54	three	three	NUM
ctmj-139	23	55	days	day	NOUN
ctmj-139	23	56	.	.	PUNCT
ctmj-139	24	1	kvb	kvb	NOUN
ctmj-139	24	2	next	next	ADJ
ctmj-139	24	3	generates	generate	VERB
ctmj-139	24	4	a	a	DET
ctmj-139	24	5	score	score	NOUN
ctmj-139	24	6	card	card	NOUN
ctmj-139	24	7	for	for	ADP
ctmj-139	24	8	loan	loan	NOUN
ctmj-139	24	9	applicants	applicant	NOUN
ctmj-139	24	10	by	by	ADP
ctmj-139	24	11	using	use	VERB
ctmj-139	24	12	data	datum	NOUN
ctmj-139	24	13	from	from	ADP
ctmj-139	24	14	many	many	ADJ
ctmj-139	24	15	sources	source	NOUN
ctmj-139	24	16	,	,	PUNCT
ctmj-139	24	17	including	include	VERB
ctmj-139	24	18	goods	good	NOUN
ctmj-139	24	19	and	and	CCONJ
ctmj-139	24	20	services	service	NOUN
ctmj-139	24	21	tax	tax	NOUN
ctmj-139	24	22	(	(	PUNCT
ctmj-139	24	23	gst	gst	NOUN
ctmj-139	24	24	)	)	PUNCT
ctmj-139	24	25	returns	return	NOUN
ctmj-139	24	26	,	,	PUNCT
ctmj-139	24	27	income	income	NOUN
ctmj-139	24	28	tax	tax	NOUN
ctmj-139	24	29	(	(	PUNCT
ctmj-139	24	30	it	it	PRON
ctmj-139	24	31	)	)	PUNCT
ctmj-139	24	32	filings	filing	NOUN
ctmj-139	24	33	,	,	PUNCT
ctmj-139	24	34	annual	annual	ADJ
ctmj-139	24	35	reports	report	NOUN
ctmj-139	24	36	,	,	PUNCT
ctmj-139	24	37	and	and	CCONJ
ctmj-139	24	38	credit	credit	NOUN
ctmj-139	24	39	information	information	PROPN
ctmj-139	24	40	bureau	bureau	PROPN
ctmj-139	24	41	(	(	PUNCT
ctmj-139	24	42	cibil	cibil	PROPN
ctmj-139	24	43	)	)	PUNCT
ctmj-139	24	44	scores	score	NOUN
ctmj-139	24	45	.	.	PUNCT
ctmj-139	25	1	during	during	ADP
ctmj-139	25	2	the	the	DET
ctmj-139	25	3	fiscal	fiscal	ADJ
ctmj-139	25	4	year	year	NOUN
ctmj-139	25	5	,	,	PUNCT
ctmj-139	25	6	it	it	PRON
ctmj-139	25	7	has	have	AUX
ctmj-139	25	8	expanded	expand	VERB
ctmj-139	25	9	its	its	PRON
ctmj-139	25	10	lineup	lineup	NOUN
ctmj-139	25	11	of	of	ADP
ctmj-139	25	12	retail	retail	ADJ
ctmj-139	25	13	loan	loan	NOUN
ctmj-139	25	14	options	option	NOUN
ctmj-139	25	15	to	to	PART
ctmj-139	25	16	include	include	VERB
ctmj-139	25	17	the	the	DET
ctmj-139	25	18	following	follow	VERB
ctmj-139	25	19	:	:	PUNCT
ctmj-139	25	20	•	•	ADP
ctmj-139	25	21	personal	personal	ADJ
ctmj-139	25	22	loans	loan	NOUN
ctmj-139	25	23	with	with	ADP
ctmj-139	25	24	prior	prior	ADJ
ctmj-139	25	25	approval	approval	NOUN
ctmj-139	25	26	,	,	PUNCT
ctmj-139	25	27	available	available	ADJ
ctmj-139	25	28	to	to	ADP
ctmj-139	25	29	current	current	ADJ
ctmj-139	25	30	casa	casa	PROPN
ctmj-139	25	31	clients	client	NOUN
ctmj-139	25	32	•	•	ADP
ctmj-139	25	33	kvb	kvb	VERB
ctmj-139	25	34	digital	digital	ADJ
ctmj-139	25	35	top	top	NOUN
ctmj-139	25	36	up	up	ADP
ctmj-139	25	37	mortgages	mortgage	NOUN
ctmj-139	25	38	(	(	PUNCT
ctmj-139	25	39	refinancing	refinancing	NOUN
ctmj-139	25	40	,	,	PUNCT
ctmj-139	25	41	assumption	assumption	NOUN
ctmj-139	25	42	,	,	PUNCT
ctmj-139	25	43	and	and	CCONJ
ctmj-139	25	44	refinancing	refinancing	NOUN
ctmj-139	25	45	)	)	PUNCT
ctmj-139	25	46	•	•	NUM
ctmj-139	25	47	online	online	NOUN
ctmj-139	25	48	home	home	NOUN
ctmj-139	25	49	loans	loan	NOUN
ctmj-139	25	50	four	four	NUM
ctmj-139	25	51	-	-	PUNCT
ctmj-139	25	52	wheeler	wheeler	NOUN
ctmj-139	25	53	and	and	CCONJ
ctmj-139	25	54	two	two	NUM
ctmj-139	25	55	-	-	PUNCT
ctmj-139	25	56	wheeler	wheeler	NOUN
ctmj-139	25	57	financing	financing	NOUN
ctmj-139	25	58	using	use	VERB
ctmj-139	25	59	digital	digital	ADJ
ctmj-139	25	60	means	mean	VERB
ctmj-139	25	61	digital	digital	ADJ
ctmj-139	25	62	private	private	ADJ
ctmj-139	25	63	loans	loan	NOUN
ctmj-139	25	64	.	.	PUNCT
ctmj-139	26	1	on	on	ADP
ctmj-139	26	2	march	march	PROPN
ctmj-139	26	3	31st	31st	NOUN
ctmj-139	26	4	,	,	PUNCT
ctmj-139	26	5	2019	2019	NUM
ctmj-139	26	6	,	,	PUNCT
ctmj-139	26	7	the	the	DET
ctmj-139	26	8	bank	bank	NOUN
ctmj-139	26	9	's	's	PART
ctmj-139	26	10	retail	retail	ADJ
ctmj-139	26	11	portfolio	portfolio	NOUN
ctmj-139	26	12	of	of	ADP
ctmj-139	26	13	advances	advance	NOUN
ctmj-139	26	14	was	be	AUX
ctmj-139	26	15	at	at	ADP
ctmj-139	26	16	11,278	11,278	NUM
ctmj-139	26	17	cr	cr	NOUN
ctmj-139	26	18	,	,	PUNCT
ctmj-139	26	19	or	or	CCONJ
ctmj-139	26	20	22.28	22.28	NUM
ctmj-139	26	21	percent	percent	NOUN
ctmj-139	26	22	of	of	ADP
ctmj-139	26	23	total	total	ADJ
ctmj-139	26	24	advances	advance	NOUN
ctmj-139	26	25	.	.	PUNCT
ctmj-139	27	1	advances	advance	NOUN
ctmj-139	27	2	totaled	total	VERB
ctmj-139	27	3	from	from	ADP
ctmj-139	27	4	ibpc	ibpc	NOUN
ctmj-139	27	5	transactions	transaction	NOUN
ctmj-139	27	6	&	&	CCONJ
ctmj-139	27	7	direct	direct	ADJ
ctmj-139	27	8	assignments	assignment	NOUN
ctmj-139	27	9	(	(	PUNCT
ctmj-139	27	10	7.15	7.15	NUM
ctmj-139	27	11	%	%	NOUN
ctmj-139	27	12	)	)	PUNCT
ctmj-139	27	13	,	,	PUNCT
ctmj-139	27	14	home	home	NOUN
ctmj-139	27	15	loans	loan	NOUN
ctmj-139	27	16	(	(	PUNCT
ctmj-139	27	17	7.15	7.15	NUM
ctmj-139	27	18	%	%	NOUN
ctmj-139	27	19	)	)	PUNCT
ctmj-139	27	20	,	,	PUNCT
ctmj-139	27	21	mortgage	mortgage	NOUN
ctmj-139	27	22	loans	loan	NOUN
ctmj-139	27	23	(	(	PUNCT
ctmj-139	27	24	3.38	3.38	NUM
ctmj-139	27	25	%	%	NOUN
ctmj-139	27	26	)	)	PUNCT
ctmj-139	27	27	,	,	PUNCT
ctmj-139	27	28	vehicle	vehicle	NOUN
ctmj-139	27	29	loans	loan	NOUN
ctmj-139	27	30	(	(	PUNCT
ctmj-139	27	31	2.06	2.06	NUM
ctmj-139	27	32	%	%	NOUN
ctmj-139	27	33	)	)	PUNCT
ctmj-139	27	34	,	,	PUNCT
ctmj-139	27	35	and	and	CCONJ
ctmj-139	27	36	personal	personal	ADJ
ctmj-139	27	37	loans	loan	NOUN
ctmj-139	27	38	(	(	PUNCT
ctmj-139	27	39	0.83	0.83	NUM
ctmj-139	27	40	%	%	NOUN
ctmj-139	27	41	)	)	PUNCT
ctmj-139	27	42	.	.	PUNCT
ctmj-139	28	1	the	the	DET
ctmj-139	28	2	following	follow	VERB
ctmj-139	28	3	retail	retail	ADJ
ctmj-139	28	4	liability	liability	NOUN
ctmj-139	28	5	products	product	NOUN
ctmj-139	28	6	were	be	AUX
ctmj-139	28	7	offered	offer	VERB
ctmj-139	28	8	by	by	ADP
ctmj-139	28	9	the	the	DET
ctmj-139	28	10	bank	bank	NOUN
ctmj-139	28	11	during	during	ADP
ctmj-139	28	12	the	the	DET
ctmj-139	28	13	2018	2018	NUM
ctmj-139	28	14	-	-	SYM
ctmj-139	28	15	19	19	NUM
ctmj-139	28	16	fiscal	fiscal	ADJ
ctmj-139	28	17	year	year	NOUN
ctmj-139	28	18	:	:	PUNCT
ctmj-139	28	19	•	•	NUM
ctmj-139	28	20	"	"	PUNCT
ctmj-139	28	21	kvb	kvb	NOUN
ctmj-139	28	22	co	co	NOUN
ctmj-139	28	23	-	-	NOUN
ctmj-139	28	24	op	op	NOUN
ctmj-139	28	25	"	"	PUNCT
ctmj-139	28	26	was	be	AUX
ctmj-139	28	27	released	release	VERB
ctmj-139	28	28	on	on	ADP
ctmj-139	28	29	june	june	PROPN
ctmj-139	28	30	12th	12th	NOUN
ctmj-139	28	31	,	,	PUNCT
ctmj-139	28	32	2018	2018	NUM
ctmj-139	28	33	,	,	PUNCT
ctmj-139	28	34	with	with	ADP
ctmj-139	28	35	the	the	DET
ctmj-139	28	36	co	co	ADJ
ctmj-139	28	37	-	-	ADJ
ctmj-139	28	38	operative	operative	ADJ
ctmj-139	28	39	societies	society	NOUN
ctmj-139	28	40	as	as	ADP
ctmj-139	28	41	its	its	PRON
ctmj-139	28	42	intended	intended	ADJ
ctmj-139	28	43	audience	audience	NOUN
ctmj-139	28	44	.	.	PUNCT
ctmj-139	29	1	in	in	ADP
ctmj-139	29	2	an	an	DET
ctmj-139	29	3	effort	effort	NOUN
ctmj-139	29	4	to	to	PART
ctmj-139	29	5	offer	offer	VERB
ctmj-139	29	6	'	'	PUNCT
ctmj-139	29	7	cashless	cashless	NOUN
ctmj-139	29	8	hospitalization	hospitalization	NOUN
ctmj-139	29	9	against	against	ADP
ctmj-139	29	10	fixed	fix	VERB
ctmj-139	29	11	deposit	deposit	NOUN
ctmj-139	29	12	,	,	PUNCT
ctmj-139	29	13	'	'	PUNCT
ctmj-139	29	14	kvb	kvb	NOUN
ctmj-139	29	15	introduced	introduce	VERB
ctmj-139	29	16	the	the	DET
ctmj-139	29	17	"	"	PUNCT
ctmj-139	29	18	kvb	kvb	NOUN
ctmj-139	29	19	arogya	arogya	ADJ
ctmj-139	29	20	card	card	NOUN
ctmj-139	29	21	"	"	PUNCT
ctmj-139	29	22	for	for	ADP
ctmj-139	29	23	senior	senior	ADJ
ctmj-139	29	24	citizen	citizen	NOUN
ctmj-139	29	25	clients	client	NOUN
ctmj-139	29	26	on	on	ADP
ctmj-139	29	27	august	august	PROPN
ctmj-139	29	28	23	23	NUM
ctmj-139	29	29	,	,	PUNCT
ctmj-139	29	30	2018	2018	NUM
ctmj-139	29	31	,	,	PUNCT
ctmj-139	29	32	and	and	CCONJ
ctmj-139	29	33	has	have	AUX
ctmj-139	29	34	already	already	ADV
ctmj-139	29	35	distributed	distribute	VERB
ctmj-139	29	36	4,697	4,697	NUM
ctmj-139	29	37	arogya	arogya	ADJ
ctmj-139	29	38	cards	card	NOUN
ctmj-139	29	39	to	to	ADP
ctmj-139	29	40	eligible	eligible	ADJ
ctmj-139	29	41	individuals	individual	NOUN
ctmj-139	29	42	.	.	PUNCT
ctmj-139	30	1	on	on	ADP
ctmj-139	30	2	october	october	PROPN
ctmj-139	30	3	2	2	NUM
ctmj-139	30	4	,	,	PUNCT
ctmj-139	30	5	2018	2018	NUM
ctmj-139	30	6	,	,	PUNCT
ctmj-139	30	7	kvb	kvb	NOUN
ctmj-139	30	8	introduced	introduce	VERB
ctmj-139	30	9	the	the	DET
ctmj-139	30	10	"	"	PUNCT
ctmj-139	30	11	kvb	kvb	NOUN
ctmj-139	30	12	fleet	fleet	NOUN
ctmj-139	30	13	"	"	PUNCT
ctmj-139	30	14	current	current	ADJ
ctmj-139	30	15	account	account	NOUN
ctmj-139	30	16	to	to	PART
ctmj-139	30	17	serve	serve	VERB
ctmj-139	30	18	the	the	DET
ctmj-139	30	19	requirements	requirement	NOUN
ctmj-139	30	20	of	of	ADP
ctmj-139	30	21	transportation	transportation	NOUN
ctmj-139	30	22	and	and	CCONJ
ctmj-139	30	23	fleet	fleet	NOUN
ctmj-139	30	24	operators	operator	NOUN
ctmj-139	30	25	;	;	PUNCT
ctmj-139	30	26	as	as	ADP
ctmj-139	30	27	of	of	ADP
ctmj-139	30	28	the	the	DET
ctmj-139	30	29	same	same	ADJ
ctmj-139	30	30	day	day	NOUN
ctmj-139	30	31	,	,	PUNCT
ctmj-139	30	32	3,656	3,656	NUM
ctmj-139	30	33	new	new	ADJ
ctmj-139	30	34	fleet	fleet	NOUN
ctmj-139	30	35	accounts	account	NOUN
ctmj-139	30	36	had	have	AUX
ctmj-139	30	37	been	be	AUX
ctmj-139	30	38	established	establish	VERB
ctmj-139	30	39	.	.	PUNCT
ctmj-139	31	1	•	•	NUM
ctmj-139	31	2	on	on	ADP
ctmj-139	31	3	september	september	PROPN
ctmj-139	31	4	4	4	NUM
ctmj-139	31	5	,	,	PUNCT
ctmj-139	31	6	2018	2018	NUM
ctmj-139	31	7	,	,	PUNCT
ctmj-139	31	8	kvb	kvb	NOUN
ctmj-139	31	9	debuted	debut	VERB
ctmj-139	31	10	the	the	DET
ctmj-139	31	11	dlite	dlite	PROPN
ctmj-139	31	12	sb	sb	PROPN
ctmj-139	31	13	account	account	PROPN
ctmj-139	31	14	,	,	PUNCT
ctmj-139	31	15	a	a	DET
ctmj-139	31	16	paperless	paperless	NOUN
ctmj-139	31	17	,	,	PUNCT
ctmj-139	31	18	digital	digital	ADJ
ctmj-139	31	19	alternative	alternative	NOUN
ctmj-139	31	20	to	to	ADP
ctmj-139	31	21	creating	create	VERB
ctmj-139	31	22	a	a	DET
ctmj-139	31	23	bank	bank	NOUN
ctmj-139	31	24	account	account	NOUN
ctmj-139	31	25	,	,	PUNCT
ctmj-139	31	26	and	and	CCONJ
ctmj-139	31	27	57,849	57,849	NUM
ctmj-139	31	28	new	new	ADJ
ctmj-139	31	29	dlite	dlite	NOUN
ctmj-139	31	30	sb	sb	PROPN
ctmj-139	31	31	accounts	account	NOUN
ctmj-139	31	32	have	have	AUX
ctmj-139	31	33	been	be	AUX
ctmj-139	31	34	established	establish	VERB
ctmj-139	31	35	since	since	SCONJ
ctmj-139	31	36	then	then	ADV
ctmj-139	31	37	.	.	PUNCT
ctmj-139	32	1	casa	casa	PROPN
ctmj-139	32	2	seven	seven	NUM
ctmj-139	32	3	million	million	NUM
ctmj-139	32	4	eight	eight	NUM
ctmj-139	32	5	hundred	hundred	NUM
ctmj-139	32	6	ninety	ninety	NUM
ctmj-139	32	7	-	-	PUNCT
ctmj-139	32	8	three	three	NUM
ctmj-139	32	9	new	new	ADJ
ctmj-139	32	10	casa	casa	PROPN
ctmj-139	32	11	accounts	account	NOUN
ctmj-139	32	12	were	be	AUX
ctmj-139	32	13	established	establish	VERB
ctmj-139	32	14	at	at	ADP
ctmj-139	32	15	the	the	DET
ctmj-139	32	16	bank	bank	NOUN
ctmj-139	32	17	in	in	ADP
ctmj-139	32	18	2019	2019	NUM
ctmj-139	32	19	.	.	PUNCT
ctmj-139	33	1	the	the	DET
ctmj-139	33	2	casa	casa	PROPN
ctmj-139	33	3	base	base	NOUN
ctmj-139	33	4	of	of	ADP
ctmj-139	33	5	the	the	DET
ctmj-139	33	6	bank	bank	NOUN
ctmj-139	33	7	was	be	AUX
ctmj-139	33	8	$	$	SYM
ctmj-139	33	9	17,914.98	17,914.98	NUM
ctmj-139	33	10	m	m	NOUN
ctmj-139	33	11	as	as	ADP
ctmj-139	33	12	of	of	ADP
ctmj-139	33	13	31	31	NUM
ctmj-139	33	14	march	march	PROPN
ctmj-139	33	15	2019	2019	NUM
ctmj-139	33	16	,	,	PUNCT
ctmj-139	33	17	comprised	comprise	VERB
ctmj-139	33	18	of	of	ADP
ctmj-139	33	19	the	the	DET
ctmj-139	33	20	current	current	ADJ
ctmj-139	33	21	account	account	NOUN
ctmj-139	33	22	balance	balance	NOUN
ctmj-139	33	23	of	of	ADP
ctmj-139	33	24	$	$	SYM
ctmj-139	33	25	5,813.59c	5,813.59c	NUM
ctmj-139	33	26	and	and	CCONJ
ctmj-139	33	27	the	the	DET
ctmj-139	33	28	savings	saving	NOUN
ctmj-139	33	29	account	account	NOUN
ctmj-139	33	30	balance	balance	NOUN
ctmj-139	33	31	of	of	ADP
ctmj-139	33	32	$	$	SYM
ctmj-139	33	33	12,101.39c	12,101.39c	NUM
ctmj-139	33	34	.	.	PUNCT
ctmj-139	34	1	the	the	DET
ctmj-139	34	2	rate	rate	NOUN
ctmj-139	34	3	of	of	ADP
ctmj-139	34	4	growth	growth	NOUN
ctmj-139	34	5	of	of	ADP
ctmj-139	34	6	savings	saving	NOUN
ctmj-139	34	7	was	be	AUX
ctmj-139	34	8	10.01	10.01	NUM
ctmj-139	34	9	percent	percent	NOUN
ctmj-139	34	10	,	,	PUNCT
ctmj-139	34	11	while	while	SCONJ
ctmj-139	34	12	the	the	DET
ctmj-139	34	13	rate	rate	NOUN
ctmj-139	34	14	of	of	ADP
ctmj-139	34	15	growth	growth	NOUN
ctmj-139	34	16	of	of	ADP
ctmj-139	34	17	current	current	ADJ
ctmj-139	34	18	assets	asset	NOUN
ctmj-139	34	19	was	be	AUX
ctmj-139	34	20	5.01	5.01	NUM
ctmj-139	34	21	percent	percent	NOUN
ctmj-139	34	22	.	.	PUNCT
ctmj-139	35	1	as	as	ADP
ctmj-139	35	2	of	of	ADP
ctmj-139	35	3	march	march	PROPN
ctmj-139	35	4	31	31	NUM
ctmj-139	35	5	,	,	PUNCT
ctmj-139	35	6	2019	2019	NUM
ctmj-139	35	7	,	,	PUNCT
ctmj-139	35	8	the	the	DET
ctmj-139	35	9	casa	casa	PROPN
ctmj-139	35	10	to	to	ADP
ctmj-139	35	11	gross	gross	ADJ
ctmj-139	35	12	deposit	deposit	NOUN
ctmj-139	35	13	ratio	ratio	NOUN
ctmj-139	35	14	was	be	AUX
ctmj-139	35	15	29.92	29.92	NUM
ctmj-139	35	16	%	%	NOUN
ctmj-139	35	17	,	,	PUNCT
ctmj-139	35	18	up	up	ADV
ctmj-139	35	19	from	from	ADP
ctmj-139	35	20	29.14	29.14	NUM
ctmj-139	35	21	%	%	NOUN
ctmj-139	35	22	on	on	ADP
ctmj-139	35	23	same	same	ADJ
ctmj-139	35	24	day	day	NOUN
ctmj-139	35	25	in	in	ADP
ctmj-139	35	26	2018	2018	NUM
ctmj-139	35	27	.	.	PUNCT
ctmj-139	36	1	pos	pos	PROPN
ctmj-139	36	2	bank	bank	PROPN
ctmj-139	36	3	deployed	deploy	VERB
ctmj-139	36	4	4,672	4,672	NUM
ctmj-139	36	5	new	new	ADJ
ctmj-139	36	6	point	point	NOUN
ctmj-139	36	7	of	of	ADP
ctmj-139	36	8	sales	sale	NOUN
ctmj-139	36	9	(	(	PUNCT
ctmj-139	36	10	pos	pos	NOUN
ctmj-139	36	11	)	)	PUNCT
ctmj-139	36	12	machines	machine	NOUN
ctmj-139	36	13	during	during	ADP
ctmj-139	36	14	the	the	DET
ctmj-139	36	15	year	year	NOUN
ctmj-139	36	16	,	,	PUNCT
ctmj-139	36	17	taking	take	VERB
ctmj-139	36	18	the	the	DET
ctmj-139	36	19	total	total	ADJ
ctmj-139	36	20	number	number	NOUN
ctmj-139	36	21	of	of	ADP
ctmj-139	36	22	machines	machine	NOUN
ctmj-139	36	23	deployed	deploy	VERB
ctmj-139	36	24	to	to	ADP
ctmj-139	36	25	21,959	21,959	NUM
ctmj-139	36	26	.	.	PUNCT
ctmj-139	37	1	total	total	ADJ
ctmj-139	37	2	number	number	NOUN
ctmj-139	37	3	of	of	ADP
ctmj-139	37	4	transactions	transaction	NOUN
ctmj-139	37	5	through	through	ADP
ctmj-139	37	6	the	the	DET
ctmj-139	37	7	machines	machine	NOUN
ctmj-139	37	8	during	during	ADP
ctmj-139	37	9	the	the	DET
ctmj-139	37	10	year	year	NOUN
ctmj-139	37	11	was	be	AUX
ctmj-139	37	12	314.11	314.11	NUM
ctmj-139	37	13	lakh	lakh	NOUN
ctmj-139	37	14	with	with	ADP
ctmj-139	37	15	a	a	DET
ctmj-139	37	16	volume	volume	NOUN
ctmj-139	37	17	of	of	ADP
ctmj-139	37	18	4,860.73	4,860.73	NUM
ctmj-139	37	19	cr	cr	PROPN
ctmj-139	37	20	.	.	PUNCT
ctmj-139	37	21	fastag	fastag	PROPN
ctmj-139	37	22	the	the	DET
ctmj-139	37	23	bank	bank	NOUN
ctmj-139	37	24	has	have	AUX
ctmj-139	37	25	been	be	AUX
ctmj-139	37	26	certified	certify	VERB
ctmj-139	37	27	by	by	ADP
ctmj-139	37	28	npci	npci	ADJ
ctmj-139	37	29	to	to	PART
ctmj-139	37	30	issue	issue	VERB
ctmj-139	37	31	fastag	fastag	NOUN
ctmj-139	37	32	along	along	ADP
ctmj-139	37	33	with	with	ADP
ctmj-139	37	34	few	few	ADJ
ctmj-139	37	35	other	other	ADJ
ctmj-139	37	36	banks	bank	NOUN
ctmj-139	37	37	in	in	ADP
ctmj-139	37	38	the	the	DET
ctmj-139	37	39	industry	industry	NOUN
ctmj-139	37	40	and	and	CCONJ
ctmj-139	37	41	subsequently	subsequently	ADV
ctmj-139	37	42	launched	launch	VERB
ctmj-139	37	43	fastag	fastag	NOUN
ctmj-139	37	44	for	for	ADP
ctmj-139	37	45	the	the	DET
ctmj-139	37	46	public	public	NOUN
ctmj-139	37	47	with	with	SCONJ
ctmj-139	37	48	the	the	DET
ctmj-139	37	49	prime	prime	ADJ
ctmj-139	37	50	objective	objective	NOUN
ctmj-139	37	51	to	to	PART
ctmj-139	37	52	adopt	adopt	VERB
ctmj-139	37	53	"	"	PUNCT
ctmj-139	37	54	cashless	cashless	NOUN
ctmj-139	37	55	payment	payment	NOUN
ctmj-139	37	56	"	"	PUNCT
ctmj-139	37	57	at	at	ADP
ctmj-139	37	58	toll	toll	NOUN
ctmj-139	37	59	plazas	plaza	NOUN
ctmj-139	37	60	.	.	PUNCT
ctmj-139	38	1	during	during	ADP
ctmj-139	38	2	2018	2018	NUM
ctmj-139	38	3	-	-	SYM
ctmj-139	38	4	19	19	NUM
ctmj-139	38	5	,	,	PUNCT
ctmj-139	38	6	the	the	DET
ctmj-139	38	7	bank	bank	NOUN
ctmj-139	38	8	issued	issue	VERB
ctmj-139	38	9	36,546	36,546	NUM
ctmj-139	38	10	tags	tag	NOUN
ctmj-139	38	11	and	and	CCONJ
ctmj-139	38	12	the	the	DET
ctmj-139	38	13	number	number	NOUN
ctmj-139	38	14	of	of	ADP
ctmj-139	38	15	transactions	transaction	NOUN
ctmj-139	38	16	through	through	ADP
ctmj-139	38	17	fastag	fastag	NOUN
ctmj-139	38	18	at	at	ADP
ctmj-139	38	19	toll	toll	NOUN
ctmj-139	38	20	plazas	plazas	NOUN
ctmj-139	38	21	is	be	AUX
ctmj-139	38	22	48.84	48.84	NUM
ctmj-139	38	23	lakh	lakh	NOUN
ctmj-139	38	24	.	.	PUNCT
ctmj-139	39	1	transaction	transaction	NOUN
ctmj-139	39	2	banking	banking	NOUN
ctmj-139	39	3	group	group	NOUN
ctmj-139	39	4	(	(	PUNCT
ctmj-139	39	5	tbg	tbg	PROPN
ctmj-139	39	6	)	)	PUNCT
ctmj-139	39	7	banks	bank	NOUN
ctmj-139	39	8	transaction	transaction	NOUN
ctmj-139	39	9	banking	banking	NOUN
ctmj-139	39	10	group	group	NOUN
ctmj-139	39	11	is	be	AUX
ctmj-139	39	12	offering	offer	VERB
ctmj-139	39	13	cash	cash	NOUN
ctmj-139	39	14	management	management	NOUN
ctmj-139	39	15	services	service	NOUN
ctmj-139	39	16	(	(	PUNCT
ctmj-139	39	17	collection	collection	NOUN
ctmj-139	39	18	and	and	CCONJ
ctmj-139	39	19	payment	payment	NOUN
ctmj-139	39	20	)	)	PUNCT
ctmj-139	39	21	on	on	ADP
ctmj-139	39	22	electronic	electronic	ADJ
ctmj-139	39	23	platform	platform	NOUN
ctmj-139	39	24	.	.	PUNCT
ctmj-139	40	1	kvb	kvb	NOUN
ctmj-139	40	2	is	be	AUX
ctmj-139	40	3	providing	provide	VERB
ctmj-139	40	4	customized	customized	ADJ
ctmj-139	40	5	mis	mis	NOUN
ctmj-139	40	6	and	and	CCONJ
ctmj-139	40	7	a	a	DET
ctmj-139	40	8	customer	customer	NOUN
ctmj-139	40	9	front	front	ADJ
ctmj-139	40	10	end	end	NOUN
ctmj-139	40	11	(	(	PUNCT
ctmj-139	40	12	cbx	cbx	NOUN
ctmj-139	40	13	–	–	PUNCT
ctmj-139	40	14	customer	customer	NOUN
ctmj-139	40	15	business	business	NOUN
ctmj-139	40	16	exchange	exchange	NOUN
ctmj-139	40	17	)	)	PUNCT
ctmj-139	40	18	portal	portal	NOUN
ctmj-139	40	19	to	to	ADP
ctmj-139	40	20	cms	cms	NOUN
ctmj-139	40	21	clients	client	NOUN
ctmj-139	40	22	.	.	PUNCT
ctmj-139	41	1	bank	bank	NOUN
ctmj-139	41	2	is	be	AUX
ctmj-139	41	3	leveraging	leverage	VERB
ctmj-139	41	4	the	the	DET
ctmj-139	41	5	cms	cms	NOUN
ctmj-139	41	6	capabilities	capability	NOUN
ctmj-139	41	7	to	to	PART
ctmj-139	41	8	improve	improve	VERB
ctmj-139	41	9	the	the	DET
ctmj-139	41	10	current	current	ADJ
ctmj-139	41	11	account	account	NOUN
ctmj-139	41	12	portfolio	portfolio	NOUN
ctmj-139	41	13	by	by	ADP
ctmj-139	41	14	on	on	ADP
ctmj-139	41	15	boarding	board	VERB
ctmj-139	41	16	mid	mid	ADJ
ctmj-139	41	17	and	and	CCONJ
ctmj-139	41	18	large	large	ADJ
ctmj-139	41	19	sized	sized	ADJ
ctmj-139	41	20	corporate	corporate	ADJ
ctmj-139	41	21	.	.	PUNCT
ctmj-139	42	1	digital	digital	ADJ
ctmj-139	42	2	transformation	transformation	NOUN
ctmj-139	42	3	journey	journey	NOUN
ctmj-139	42	4	digital	digital	ADJ
ctmj-139	42	5	banking	banking	NOUN
ctmj-139	42	6	is	be	AUX
ctmj-139	42	7	an	an	DET
ctmj-139	42	8	adoption	adoption	NOUN
ctmj-139	42	9	of	of	ADP
ctmj-139	42	10	various	various	ADJ
ctmj-139	42	11	existing	exist	VERB
ctmj-139	42	12	and	and	CCONJ
ctmj-139	42	13	emerging	emerge	VERB
ctmj-139	42	14	technologies	technology	NOUN
ctmj-139	42	15	by	by	ADP
ctmj-139	42	16	the	the	DET
ctmj-139	42	17	banks	bank	NOUN
ctmj-139	42	18	,	,	PUNCT
ctmj-139	42	19	in	in	ADP
ctmj-139	42	20	concert	concert	NOUN
ctmj-139	42	21	with	with	ADP
ctmj-139	42	22	associated	associated	ADJ
ctmj-139	42	23	changes	change	NOUN
ctmj-139	42	24	in	in	ADP
ctmj-139	42	25	internal	internal	ADJ
ctmj-139	42	26	operations	operation	NOUN
ctmj-139	42	27	as	as	ADV
ctmj-139	42	28	well	well	ADV
ctmj-139	42	29	as	as	ADP
ctmj-139	42	30	external	external	ADJ
ctmj-139	42	31	relationships	relationship	NOUN
ctmj-139	42	32	for	for	ADP
ctmj-139	42	33	providing	provide	VERB
ctmj-139	42	34	superior	superior	ADJ
ctmj-139	42	35	customer	customer	NOUN
ctmj-139	42	36	services	service	NOUN
ctmj-139	42	37	and	and	CCONJ
ctmj-139	42	38	experiences	experience	NOUN
ctmj-139	42	39	,	,	PUNCT
ctmj-139	42	40	effectively	effectively	ADV
ctmj-139	42	41	and	and	CCONJ
ctmj-139	42	42	efficiently	efficiently	ADV
ctmj-139	42	43	.	.	PUNCT
ctmj-139	43	1	the	the	DET
ctmj-139	43	2	new	new	ADJ
ctmj-139	43	3	innovative	innovative	ADJ
ctmj-139	43	4	digital	digital	ADJ
ctmj-139	43	5	technologies	technology	NOUN
ctmj-139	43	6	and	and	CCONJ
ctmj-139	43	7	futuristic	futuristic	ADJ
ctmj-139	43	8	thought	thought	NOUN
ctmj-139	43	9	processes	process	NOUN
ctmj-139	43	10	have	have	AUX
ctmj-139	43	11	given	give	VERB
ctmj-139	43	12	birth	birth	NOUN
ctmj-139	43	13	to	to	ADP
ctmj-139	43	14	whole	whole	ADJ
ctmj-139	43	15	new	new	ADJ
ctmj-139	43	16	businesses	business	NOUN
ctmj-139	43	17	opportunities	opportunity	NOUN
ctmj-139	43	18	.	.	PUNCT
ctmj-139	44	1	currently	currently	ADV
ctmj-139	44	2	,	,	PUNCT
ctmj-139	44	3	there	there	PRON
ctmj-139	44	4	are	be	VERB
ctmj-139	44	5	several	several	ADJ
ctmj-139	44	6	technologies	technology	NOUN
ctmj-139	44	7	,	,	PUNCT
ctmj-139	44	8	infrastructure	infrastructure	NOUN
ctmj-139	44	9	and	and	CCONJ
ctmj-139	44	10	processes	process	NOUN
ctmj-139	44	11	available	available	ADJ
ctmj-139	44	12	to	to	PART
ctmj-139	44	13	enable	enable	VERB
ctmj-139	44	14	banks	bank	NOUN
ctmj-139	44	15	to	to	PART
ctmj-139	44	16	provide	provide	VERB
ctmj-139	44	17	efficient	efficient	ADJ
ctmj-139	44	18	and	and	CCONJ
ctmj-139	44	19	dependable	dependable	ADJ
ctmj-139	44	20	service	service	NOUN
ctmj-139	44	21	.	.	PUNCT
ctmj-139	45	1	information	information	NOUN
ctmj-139	45	2	technology	technology	NOUN
ctmj-139	45	3	technology	technology	NOUN
ctmj-139	45	4	in	in	ADP
ctmj-139	45	5	the	the	DET
ctmj-139	45	6	banking	banking	NOUN
ctmj-139	45	7	industry	industry	NOUN
ctmj-139	45	8	is	be	AUX
ctmj-139	45	9	highly	highly	ADV
ctmj-139	45	10	dynamic	dynamic	ADJ
ctmj-139	45	11	,	,	PUNCT
ctmj-139	45	12	and	and	CCONJ
ctmj-139	45	13	kvb	kvb	NOUN
ctmj-139	45	14	continues	continue	VERB
ctmj-139	45	15	to	to	PART
ctmj-139	45	16	leverage	leverage	VERB
ctmj-139	45	17	the	the	DET
ctmj-139	45	18	latest	late	ADJ
ctmj-139	45	19	of	of	ADP
ctmj-139	45	20	these	these	DET
ctmj-139	45	21	technologies	technology	NOUN
ctmj-139	45	22	to	to	PART
ctmj-139	45	23	address	address	VERB
ctmj-139	45	24	the	the	DET
ctmj-139	45	25	changing	change	VERB
ctmj-139	45	26	needs	need	NOUN
ctmj-139	45	27	of	of	ADP
ctmj-139	45	28	customers	customer	NOUN
ctmj-139	45	29	.	.	PUNCT
ctmj-139	46	1	bank	bank	NOUN
ctmj-139	46	2	has	have	AUX
ctmj-139	46	3	been	be	AUX
ctmj-139	46	4	constantly	constantly	ADV
ctmj-139	46	5	upgrading	upgrade	VERB
ctmj-139	46	6	its	its	PRON
ctmj-139	46	7	it	it	NOUN
ctmj-139	46	8	infrastructure	infrastructure	NOUN
ctmj-139	46	9	and	and	CCONJ
ctmj-139	46	10	implementing	implement	VERB
ctmj-139	46	11	new	new	ADJ
ctmj-139	46	12	process	process	NOUN
ctmj-139	46	13	,	,	PUNCT
ctmj-139	46	14	systems	system	NOUN
ctmj-139	46	15	and	and	CCONJ
ctmj-139	46	16	structures	structure	NOUN
ctmj-139	46	17	for	for	ADP
ctmj-139	46	18	improved	improved	ADJ
ctmj-139	46	19	customer	customer	NOUN
ctmj-139	46	20	experience	experience	NOUN
ctmj-139	46	21	,	,	PUNCT
ctmj-139	46	22	and	and	CCONJ
ctmj-139	46	23	to	to	PART
ctmj-139	46	24	ensure	ensure	VERB
ctmj-139	46	25	the	the	DET
ctmj-139	46	26	safety	safety	NOUN
ctmj-139	46	27	and	and	CCONJ
ctmj-139	46	28	integrity	integrity	NOUN
ctmj-139	46	29	of	of	ADP
ctmj-139	46	30	the	the	DET
ctmj-139	46	31	institution	institution	NOUN
ctmj-139	46	32	.	.	PUNCT
ctmj-139	47	1	bank	bank	NOUN
ctmj-139	47	2	has	have	AUX
ctmj-139	47	3	embarked	embark	VERB
ctmj-139	47	4	upon	upon	SCONJ
ctmj-139	47	5	digital	digital	ADJ
ctmj-139	47	6	transformation	transformation	NOUN
ctmj-139	47	7	journey	journey	NOUN
ctmj-139	47	8	to	to	PART
ctmj-139	47	9	offer	offer	VERB
ctmj-139	47	10	value	value	NOUN
ctmj-139	47	11	added	add	VERB
ctmj-139	47	12	services	service	NOUN
ctmj-139	47	13	to	to	ADP
ctmj-139	47	14	the	the	DET
ctmj-139	47	15	customers	customer	NOUN
ctmj-139	47	16	and	and	CCONJ
ctmj-139	47	17	enhance	enhance	VERB
ctmj-139	47	18	customer	customer	NOUN
ctmj-139	47	19	experiences	experience	NOUN
ctmj-139	47	20	.	.	PUNCT
ctmj-139	48	1	analytics	analytic	NOUN
ctmj-139	48	2	department	department	PROPN
ctmj-139	48	3	banks	bank	NOUN
ctmj-139	48	4	analytics	analytic	NOUN
ctmj-139	48	5	department	department	NOUN
ctmj-139	48	6	is	be	AUX
ctmj-139	48	7	further	far	ADV
ctmj-139	48	8	strengthened	strengthen	VERB
ctmj-139	48	9	during	during	ADP
ctmj-139	48	10	the	the	DET
ctmj-139	48	11	year	year	NOUN
ctmj-139	48	12	2018	2018	NUM
ctmj-139	48	13	-	-	SYM
ctmj-139	48	14	19	19	NUM
ctmj-139	48	15	to	to	PART
ctmj-139	48	16	increase	increase	VERB
ctmj-139	48	17	the	the	DET
ctmj-139	48	18	use	use	NOUN
ctmj-139	48	19	of	of	ADP
ctmj-139	48	20	analytics	analytic	NOUN
ctmj-139	48	21	and	and	CCONJ
ctmj-139	48	22	to	to	PART
ctmj-139	48	23	promote	promote	VERB
ctmj-139	48	24	greater	great	ADJ
ctmj-139	48	25	understanding	understanding	NOUN
ctmj-139	48	26	of	of	ADP
ctmj-139	48	27	data	datum	NOUN
ctmj-139	48	28	across	across	ADP
ctmj-139	48	29	the	the	DET
ctmj-139	48	30	bank	bank	NOUN
ctmj-139	48	31	.	.	PUNCT
ctmj-139	49	1	analytics	analytic	NOUN
ctmj-139	49	2	department	department	PROPN
ctmj-139	49	3	also	also	ADV
ctmj-139	49	4	supports	support	VERB
ctmj-139	49	5	risk	risk	NOUN
ctmj-139	49	6	management	management	NOUN
ctmj-139	49	7	department	department	NOUN
ctmj-139	49	8	on	on	ADP
ctmj-139	49	9	retail	retail	ADJ
ctmj-139	49	10	credit	credit	NOUN
ctmj-139	49	11	policy	policy	NOUN
ctmj-139	49	12	formulation	formulation	NOUN
ctmj-139	49	13	,	,	PUNCT
ctmj-139	49	14	portfolio	portfolio	NOUN
ctmj-139	49	15	tracking	tracking	NOUN
ctmj-139	49	16	,	,	PUNCT
ctmj-139	49	17	scorecard	scorecard	NOUN
ctmj-139	49	18	development	development	NOUN
ctmj-139	49	19	and	and	CCONJ
ctmj-139	49	20	data	datum	NOUN
ctmj-139	49	21	management	management	NOUN
ctmj-139	49	22	.	.	PUNCT
ctmj-139	50	1	risks	risk	NOUN
ctmj-139	50	2	&	&	CCONJ
ctmj-139	50	3	concerns	concern	NOUN
ctmj-139	50	4	a	a	DET
ctmj-139	50	5	robust	robust	ADJ
ctmj-139	50	6	risk	risk	NOUN
ctmj-139	50	7	management	management	NOUN
ctmj-139	50	8	system	system	NOUN
ctmj-139	50	9	will	will	AUX
ctmj-139	50	10	ensure	ensure	VERB
ctmj-139	50	11	long	long	ADJ
ctmj-139	50	12	term	term	NOUN
ctmj-139	50	13	financial	financial	ADJ
ctmj-139	50	14	security	security	NOUN
ctmj-139	50	15	,	,	PUNCT
ctmj-139	50	16	stability	stability	NOUN
ctmj-139	50	17	and	and	CCONJ
ctmj-139	50	18	success	success	NOUN
ctmj-139	50	19	of	of	ADP
ctmj-139	50	20	the	the	DET
ctmj-139	50	21	bank	bank	NOUN
ctmj-139	50	22	.	.	PUNCT
ctmj-139	51	1	risk	risk	NOUN
ctmj-139	51	2	management	management	NOUN
ctmj-139	51	3	department	department	NOUN
ctmj-139	51	4	of	of	ADP
ctmj-139	51	5	the	the	DET
ctmj-139	51	6	bank	bank	NOUN
ctmj-139	51	7	has	have	AUX
ctmj-139	51	8	been	be	AUX
ctmj-139	51	9	taking	take	VERB
ctmj-139	51	10	initiatives	initiative	NOUN
ctmj-139	51	11	on	on	ADP
ctmj-139	51	12	a	a	DET
ctmj-139	51	13	continuous	continuous	ADJ
ctmj-139	51	14	basis	basis	NOUN
ctmj-139	51	15	for	for	ADP
ctmj-139	51	16	fine	fine	ADJ
ctmj-139	51	17	tuning	tune	VERB
ctmj-139	51	18	the	the	DET
ctmj-139	51	19	functioning	functioning	NOUN
ctmj-139	51	20	and	and	CCONJ
ctmj-139	51	21	to	to	PART
ctmj-139	51	22	further	far	ADV
ctmj-139	51	23	strengthen	strengthen	VERB
ctmj-139	51	24	the	the	DET
ctmj-139	51	25	risk	risk	NOUN
ctmj-139	51	26	management	management	NOUN
ctmj-139	51	27	framework	framework	NOUN
ctmj-139	51	28	.	.	PUNCT
ctmj-139	52	1	the	the	DET
ctmj-139	52	2	major	major	ADJ
ctmj-139	52	3	risks	risk	NOUN
ctmj-139	52	4	namely	namely	ADV
ctmj-139	52	5	credit	credit	NOUN
ctmj-139	52	6	,	,	PUNCT
ctmj-139	52	7	market	market	NOUN
ctmj-139	52	8	,	,	PUNCT
ctmj-139	52	9	liquidity	liquidity	NOUN
ctmj-139	52	10	and	and	CCONJ
ctmj-139	52	11	operational	operational	ADJ
ctmj-139	52	12	risk	risk	NOUN
ctmj-139	52	13	are	be	AUX
ctmj-139	52	14	managed	manage	VERB
ctmj-139	52	15	through	through	ADP
ctmj-139	52	16	following	follow	VERB
ctmj-139	52	17	committees	committee	NOUN
ctmj-139	52	18	viz	viz	VERB
ctmj-139	52	19	:	:	PUNCT
ctmj-139	52	20	•	•	NUM
ctmj-139	52	21	risk	risk	NOUN
ctmj-139	52	22	management	management	NOUN
ctmj-139	52	23	and	and	CCONJ
ctmj-139	52	24	asset	asset	NOUN
ctmj-139	52	25	liability	liability	NOUN
ctmj-139	52	26	management	management	NOUN
ctmj-139	52	27	committee	committee	NOUN
ctmj-139	52	28	of	of	ADP
ctmj-139	52	29	the	the	DET
ctmj-139	52	30	board	board	NOUN
ctmj-139	52	31	(	(	PUNCT
ctmj-139	52	32	rm&alm	rm&alm	PROPN
ctmj-139	52	33	)	)	PUNCT
ctmj-139	52	34	,	,	PUNCT
ctmj-139	52	35	•	•	NUM
ctmj-139	52	36	credit	credit	NOUN
ctmj-139	52	37	risk	risk	NOUN
ctmj-139	52	38	management	management	NOUN
ctmj-139	52	39	committee	committee	NOUN
ctmj-139	52	40	(	(	PUNCT
ctmj-139	52	41	crmc	crmc	NOUN
ctmj-139	52	42	)	)	PUNCT
ctmj-139	52	43	,	,	PUNCT
ctmj-139	52	44	•	•	NUM
ctmj-139	52	45	asset	asset	NOUN
ctmj-139	52	46	and	and	CCONJ
ctmj-139	52	47	liability	liability	NOUN
ctmj-139	52	48	management	management	NOUN
ctmj-139	52	49	committee	committee	NOUN
ctmj-139	52	50	(	(	PUNCT
ctmj-139	52	51	alco	alco	NOUN
ctmj-139	52	52	)	)	PUNCT
ctmj-139	52	53	,	,	PUNCT
ctmj-139	52	54	•	•	NUM
ctmj-139	52	55	operational	operational	ADJ
ctmj-139	52	56	risk	risk	NOUN
ctmj-139	52	57	management	management	NOUN
ctmj-139	52	58	committee	committee	NOUN
ctmj-139	52	59	(	(	PUNCT
ctmj-139	52	60	ormc	ormc	NOUN
ctmj-139	52	61	)	)	PUNCT
ctmj-139	52	62	and	and	CCONJ
ctmj-139	52	63	•	•	NUM
ctmj-139	52	64	market	market	NOUN
ctmj-139	52	65	risk	risk	NOUN
ctmj-139	52	66	management	management	NOUN
ctmj-139	52	67	committee	committee	NOUN
ctmj-139	52	68	(	(	PUNCT
ctmj-139	52	69	mrmc	mrmc	PROPN
ctmj-139	52	70	)	)	PUNCT
ctmj-139	52	71	.	.	PUNCT
ctmj-139	53	1	cyber	cyber	PROPN
ctmj-139	53	2	risk	risk	NOUN
ctmj-139	53	3	data	data	NOUN
ctmj-139	53	4	-	-	PUNCT
ctmj-139	53	5	driven	drive	VERB
ctmj-139	53	6	decision	decision	NOUN
ctmj-139	53	7	-	-	PUNCT
ctmj-139	53	8	making	making	NOUN
ctmj-139	53	9	,	,	PUNCT
ctmj-139	53	10	cloud	cloud	ADJ
ctmj-139	53	11	adoption	adoption	NOUN
ctmj-139	53	12	,	,	PUNCT
ctmj-139	53	13	digital	digital	ADJ
ctmj-139	53	14	transformation	transformation	NOUN
ctmj-139	53	15	,	,	PUNCT
ctmj-139	53	16	mobility	mobility	NOUN
ctmj-139	53	17	,	,	PUNCT
ctmj-139	53	18	and	and	CCONJ
ctmj-139	53	19	integration	integration	NOUN
ctmj-139	53	20	of	of	ADP
ctmj-139	53	21	other	other	ADJ
ctmj-139	53	22	new	new	ADJ
ctmj-139	53	23	technologies	technology	NOUN
ctmj-139	53	24	are	be	AUX
ctmj-139	53	25	integral	integral	ADJ
ctmj-139	53	26	to	to	ADP
ctmj-139	53	27	how	how	SCONJ
ctmj-139	53	28	bank	bank	NOUN
ctmj-139	53	29	functions	function	NOUN
ctmj-139	53	30	today	today	NOUN
ctmj-139	53	31	.	.	PUNCT
ctmj-139	54	1	the	the	DET
ctmj-139	54	2	concept	concept	NOUN
ctmj-139	54	3	of	of	ADP
ctmj-139	54	4	a	a	DET
ctmj-139	54	5	secured	secure	VERB
ctmj-139	54	6	data	data	NOUN
ctmj-139	54	7	centre	centre	NOUN
ctmj-139	54	8	(	(	PUNCT
ctmj-139	54	9	dc	dc	PROPN
ctmj-139	54	10	)	)	PUNCT
ctmj-139	54	11	is	be	AUX
ctmj-139	54	12	fast	fast	ADV
ctmj-139	54	13	changing	change	VERB
ctmj-139	54	14	to	to	ADP
ctmj-139	54	15	an	an	DET
ctmj-139	54	16	environment	environment	NOUN
ctmj-139	54	17	where	where	SCONJ
ctmj-139	54	18	data	datum	NOUN
ctmj-139	54	19	is	be	AUX
ctmj-139	54	20	spread	spread	VERB
ctmj-139	54	21	across	across	ADP
ctmj-139	54	22	dc	dc	PROPN
ctmj-139	54	23	and	and	CCONJ
ctmj-139	54	24	cloud	cloud	PROPN
ctmj-139	54	25	hybrid	hybrid	ADJ
ctmj-139	54	26	clouds	cloud	NOUN
ctmj-139	54	27	are	be	AUX
ctmj-139	54	28	the	the	DET
ctmj-139	54	29	industry	industry	NOUN
ctmj-139	54	30	norm	norm	NOUN
ctmj-139	54	31	allowing	allow	VERB
ctmj-139	54	32	banks	bank	NOUN
ctmj-139	54	33	the	the	DET
ctmj-139	54	34	flexibility	flexibility	NOUN
ctmj-139	54	35	of	of	ADP
ctmj-139	54	36	operating	operate	VERB
ctmj-139	54	37	within	within	ADP
ctmj-139	54	38	the	the	DET
ctmj-139	54	39	security	security	NOUN
ctmj-139	54	40	of	of	ADP
ctmj-139	54	41	their	their	PRON
ctmj-139	54	42	own	own	ADJ
ctmj-139	54	43	dc	dc	PROPN
ctmj-139	54	44	,	,	PUNCT
ctmj-139	54	45	and	and	CCONJ
ctmj-139	54	46	the	the	DET
ctmj-139	54	47	ability	ability	NOUN
ctmj-139	54	48	to	to	PART
ctmj-139	54	49	scale	scale	VERB
ctmj-139	54	50	,	,	PUNCT
ctmj-139	54	51	on	on	ADP
ctmj-139	54	52	-	-	PUNCT
ctmj-139	54	53	demand	demand	NOUN
ctmj-139	54	54	,	,	PUNCT
ctmj-139	54	55	through	through	ADP
ctmj-139	54	56	pubic	pubic	ADJ
ctmj-139	54	57	clouds	cloud	NOUN
ctmj-139	54	58	.	.	PUNCT
ctmj-139	55	1	mobile	mobile	ADJ
ctmj-139	55	2	and	and	CCONJ
ctmj-139	55	3	edge	edge	NOUN
ctmj-139	55	4	computing	computing	NOUN
ctmj-139	55	5	has	have	AUX
ctmj-139	55	6	become	become	VERB
ctmj-139	55	7	ubiquitous	ubiquitous	ADJ
ctmj-139	55	8	.	.	PUNCT
ctmj-139	56	1	all	all	DET
ctmj-139	56	2	these	these	DET
ctmj-139	56	3	rapid	rapid	ADJ
ctmj-139	56	4	advancements	advancement	NOUN
ctmj-139	56	5	in	in	ADP
ctmj-139	56	6	technology	technology	NOUN
ctmj-139	56	7	have	have	AUX
ctmj-139	56	8	increased	increase	VERB
ctmj-139	56	9	the	the	DET
ctmj-139	56	10	cyber	cyber	NOUN
ctmj-139	56	11	-	-	PUNCT
ctmj-139	56	12	attack	attack	NOUN
ctmj-139	56	13	surface	surface	NOUN
ctmj-139	56	14	,	,	PUNCT
ctmj-139	56	15	and	and	CCONJ
ctmj-139	56	16	the	the	DET
ctmj-139	56	17	pathways	pathway	NOUN
ctmj-139	56	18	into	into	ADP
ctmj-139	56	19	the	the	DET
ctmj-139	56	20	banks	bank	NOUN
ctmj-139	56	21	computer	computer	NOUN
ctmj-139	56	22	network	network	NOUN
ctmj-139	56	23	.	.	PUNCT
ctmj-139	57	1	internal	internal	ADJ
ctmj-139	57	2	control	control	NOUN
ctmj-139	57	3	systems	system	NOUN
ctmj-139	57	4	and	and	CCONJ
ctmj-139	57	5	their	their	PRON
ctmj-139	57	6	adequacy	adequacy	NOUN
ctmj-139	57	7	the	the	DET
ctmj-139	57	8	bank	bank	NOUN
ctmj-139	57	9	has	have	VERB
ctmj-139	57	10	in	in	ADP
ctmj-139	57	11	place	place	NOUN
ctmj-139	57	12	a	a	DET
ctmj-139	57	13	wellestablished	wellestablished	ADJ
ctmj-139	57	14	independent	independent	ADJ
ctmj-139	57	15	audit	audit	NOUN
ctmj-139	57	16	system	system	NOUN
ctmj-139	57	17	and	and	CCONJ
ctmj-139	57	18	structure	structure	NOUN
ctmj-139	57	19	to	to	PART
ctmj-139	57	20	ensure	ensure	VERB
ctmj-139	57	21	adequate	adequate	ADJ
ctmj-139	57	22	internal	internal	ADJ
ctmj-139	57	23	control	control	NOUN
ctmj-139	57	24	for	for	ADP
ctmj-139	57	25	safe	safe	ADJ
ctmj-139	57	26	and	and	CCONJ
ctmj-139	57	27	sound	sound	ADJ
ctmj-139	57	28	operations	operation	NOUN
ctmj-139	57	29	.	.	PUNCT
ctmj-139	58	1	the	the	DET
ctmj-139	58	2	banks	bank	NOUN
ctmj-139	58	3	inspection	inspection	NOUN
ctmj-139	58	4	and	and	CCONJ
ctmj-139	58	5	audit	audit	PROPN
ctmj-139	58	6	department	department	PROPN
ctmj-139	58	7	(	(	PUNCT
ctmj-139	58	8	iad	iad	PROPN
ctmj-139	58	9	)	)	PUNCT
ctmj-139	58	10	perform	perform	VERB
ctmj-139	58	11	independent	independent	ADJ
ctmj-139	58	12	and	and	CCONJ
ctmj-139	58	13	objective	objective	ADJ
ctmj-139	58	14	assessment	assessment	NOUN
ctmj-139	58	15	to	to	PART
ctmj-139	58	16	monitor	monitor	VERB
ctmj-139	58	17	adequacy	adequacy	NOUN
ctmj-139	58	18	,	,	PUNCT
ctmj-139	58	19	effectiveness	effectiveness	NOUN
ctmj-139	58	20	and	and	CCONJ
ctmj-139	58	21	adherence	adherence	NOUN
ctmj-139	58	22	to	to	ADP
ctmj-139	58	23	internal	internal	ADJ
ctmj-139	58	24	control	control	NOUN
ctmj-139	58	25	systems	system	NOUN
ctmj-139	58	26	and	and	CCONJ
ctmj-139	58	27	procedures	procedure	NOUN
ctmj-139	58	28	laid	lay	VERB
ctmj-139	58	29	down	down	ADP
ctmj-139	58	30	by	by	ADP
ctmj-139	58	31	the	the	DET
ctmj-139	58	32	management	management	NOUN
ctmj-139	58	33	and	and	CCONJ
ctmj-139	58	34	extant	extant	ADJ
ctmj-139	58	35	regulations	regulation	NOUN
ctmj-139	58	36	.	.	PUNCT
ctmj-139	59	1	this	this	DET
ctmj-139	59	2	function	function	NOUN
ctmj-139	59	3	supports	support	VERB
ctmj-139	59	4	the	the	DET
ctmj-139	59	5	banks	bank	NOUN
ctmj-139	59	6	role	role	NOUN
ctmj-139	59	7	in	in	ADP
ctmj-139	59	8	safeguarding	safeguard	VERB
ctmj-139	59	9	its	its	PRON
ctmj-139	59	10	assets	asset	NOUN
ctmj-139	59	11	.	.	PUNCT
ctmj-139	60	1	training	training	NOUN
ctmj-139	60	2	&	&	CCONJ
ctmj-139	60	3	development	development	NOUN
ctmj-139	60	4	developing	develop	VERB
ctmj-139	60	5	the	the	DET
ctmj-139	60	6	knowledge	knowledge	NOUN
ctmj-139	60	7	,	,	PUNCT
ctmj-139	60	8	skills	skill	NOUN
ctmj-139	60	9	and	and	CCONJ
ctmj-139	60	10	attitude	attitude	NOUN
ctmj-139	60	11	of	of	ADP
ctmj-139	60	12	employees	employee	NOUN
ctmj-139	60	13	to	to	PART
ctmj-139	60	14	perform	perform	VERB
ctmj-139	60	15	to	to	ADP
ctmj-139	60	16	their	their	PRON
ctmj-139	60	17	potential	potential	NOUN
ctmj-139	60	18	and	and	CCONJ
ctmj-139	60	19	to	to	PART
ctmj-139	60	20	face	face	VERB
ctmj-139	60	21	the	the	DET
ctmj-139	60	22	challenges	challenge	NOUN
ctmj-139	60	23	in	in	ADP
ctmj-139	60	24	the	the	DET
ctmj-139	60	25	market	market	NOUN
ctmj-139	60	26	are	be	AUX
ctmj-139	60	27	the	the	DET
ctmj-139	60	28	main	main	ADJ
ctmj-139	60	29	objectives	objective	NOUN
ctmj-139	60	30	of	of	ADP
ctmj-139	60	31	training	training	NOUN
ctmj-139	60	32	programs	program	NOUN
ctmj-139	60	33	.	.	PUNCT
ctmj-139	61	1	table	table	NOUN
ctmj-139	61	2	no.1.1	no.1.1	NOUN
ctmj-139	61	3	training	training	NOUN
ctmj-139	61	4	/	/	SYM
ctmj-139	61	5	e	e	X
ctmj-139	61	6	-	-	ADJ
ctmj-139	61	7	learning	learning	NOUN
ctmj-139	61	8	conducted	conduct	VERB
ctmj-139	61	9	during	during	ADP
ctmj-139	61	10	2018	2018	NUM
ctmj-139	61	11	-	-	SYM
ctmj-139	61	12	2019	2019	NUM
ctmj-139	61	13	s.no	s.no	PROPN
ctmj-139	61	14	.	.	NOUN
ctmj-139	61	15	program	program	NOUN
ctmj-139	61	16	type	type	NOUN
ctmj-139	61	17	no	no	INTJ
ctmj-139	61	18	.	.	PUNCT
ctmj-139	61	19	of	of	ADP
ctmj-139	61	20	programs	program	NOUN
ctmj-139	61	21	no	no	INTJ
ctmj-139	61	22	.	.	PUNCT
ctmj-139	61	23	of	of	ADP
ctmj-139	61	24	learners	learner	NOUN
ctmj-139	61	25	1	1	NUM
ctmj-139	61	26	internal	internal	ADJ
ctmj-139	61	27	programs	program	NOUN
ctmj-139	61	28	at	at	ADP
ctmj-139	61	29	staff	staff	NOUN
ctmj-139	61	30	training	training	NOUN
ctmj-139	61	31	college	college	NOUN
ctmj-139	61	32	338	338	NUM
ctmj-139	61	33	5004	5004	NUM
ctmj-139	61	34	2	2	NUM
ctmj-139	61	35	external	external	ADJ
ctmj-139	61	36	training	training	NOUN
ctmj-139	61	37	programs	program	NOUN
ctmj-139	61	38	at	at	ADP
ctmj-139	61	39	various	various	ADJ
ctmj-139	61	40	institutes	institute	NOUN
ctmj-139	61	41	172	172	NUM
ctmj-139	61	42	1235	1235	NUM
ctmj-139	61	43	3	3	NUM
ctmj-139	61	44	internal	internal	ADJ
ctmj-139	61	45	programs	program	NOUN
ctmj-139	61	46	conducted	conduct	VERB
ctmj-139	61	47	at	at	ADP
ctmj-139	61	48	branches	branch	NOUN
ctmj-139	61	49	/	/	SYM
ctmj-139	61	50	offices	office	NOUN
ctmj-139	61	51	953	953	NUM
ctmj-139	61	52	9437	9437	NUM
ctmj-139	61	53	4	4	NUM
ctmj-139	61	54	e	e	NOUN
ctmj-139	61	55	-	-	NOUN
ctmj-139	61	56	learning	learn	VERB
ctmj-139	61	57	on	on	ADP
ctmj-139	61	58	kyc	kyc	PROPN
ctmj-139	61	59	&	&	CCONJ
ctmj-139	61	60	aml	aml	PROPN
ctmj-139	61	61	na	na	PROPN
ctmj-139	61	62	3482	3482	NUM
ctmj-139	61	63	5	5	NUM
ctmj-139	61	64	e	e	X
ctmj-139	61	65	-	-	NOUN
ctmj-139	61	66	learning	learn	VERB
ctmj-139	61	67	on	on	ADP
ctmj-139	61	68	cyber	cyber	ADJ
ctmj-139	61	69	security	security	NOUN
ctmj-139	61	70	awareness	awareness	NOUN
ctmj-139	61	71	na	na	ADP
ctmj-139	61	72	4321	4321	NUM
ctmj-139	61	73	new	new	ADJ
ctmj-139	61	74	initiatives	initiative	NOUN
ctmj-139	61	75	•	•	ADP
ctmj-139	61	76	various	various	ADJ
ctmj-139	61	77	new	new	ADJ
ctmj-139	61	78	processes	process	NOUN
ctmj-139	61	79	are	be	AUX
ctmj-139	61	80	introduced	introduce	VERB
ctmj-139	61	81	during	during	ADP
ctmj-139	61	82	the	the	DET
ctmj-139	61	83	financial	financial	ADJ
ctmj-139	61	84	year	year	NOUN
ctmj-139	61	85	such	such	ADJ
ctmj-139	61	86	as	as	ADP
ctmj-139	61	87	learning	learn	VERB
ctmj-139	61	88	diary	diary	NOUN
ctmj-139	61	89	,	,	PUNCT
ctmj-139	61	90	group	group	NOUN
ctmj-139	61	91	discussion	discussion	NOUN
ctmj-139	61	92	,	,	PUNCT
ctmj-139	61	93	online	online	ADJ
ctmj-139	61	94	quiz	quiz	NOUN
ctmj-139	61	95	,	,	PUNCT
ctmj-139	61	96	in	in	ADP
ctmj-139	61	97	camera	camera	NOUN
ctmj-139	61	98	role	role	NOUN
ctmj-139	61	99	plays	play	VERB
ctmj-139	61	100	,	,	PUNCT
ctmj-139	61	101	team	team	NOUN
ctmj-139	61	102	way	way	NOUN
ctmj-139	61	103	review	review	PROPN
ctmj-139	61	104	,	,	PUNCT
ctmj-139	61	105	business	business	NOUN
ctmj-139	61	106	management	management	NOUN
ctmj-139	61	107	games	game	NOUN
ctmj-139	61	108	etc	etc	X
ctmj-139	61	109	.	.	X
ctmj-139	61	110	for	for	ADP
ctmj-139	61	111	improving	improve	VERB
ctmj-139	61	112	and	and	CCONJ
ctmj-139	61	113	helping	help	VERB
ctmj-139	61	114	the	the	DET
ctmj-139	61	115	new	new	ADJ
ctmj-139	61	116	employees	employee	NOUN
ctmj-139	61	117	in	in	ADP
ctmj-139	61	118	the	the	DET
ctmj-139	61	119	bank	bank	NOUN
ctmj-139	61	120	.	.	PUNCT
ctmj-139	62	1	•	•	NUM
ctmj-139	62	2	fresher	fresher	X
ctmj-139	62	3	’s	’	VERB
ctmj-139	62	4	are	be	AUX
ctmj-139	62	5	assigned	assign	VERB
ctmj-139	62	6	with	with	ADP
ctmj-139	62	7	a	a	DET
ctmj-139	62	8	seasoned	season	VERB
ctmj-139	62	9	senior	senior	NOUN
ctmj-139	62	10	as	as	ADP
ctmj-139	62	11	a	a	DET
ctmj-139	62	12	mentor	mentor	NOUN
ctmj-139	62	13	for	for	ADP
ctmj-139	62	14	career	career	NOUN
ctmj-139	62	15	guidance	guidance	NOUN
ctmj-139	62	16	and	and	CCONJ
ctmj-139	62	17	seamless	seamless	ADJ
ctmj-139	62	18	integration	integration	NOUN
ctmj-139	62	19	with	with	ADP
ctmj-139	62	20	the	the	DET
ctmj-139	62	21	organizational	organizational	ADJ
ctmj-139	62	22	culture	culture	NOUN
ctmj-139	62	23	.	.	PUNCT
ctmj-139	63	1	•	•	NOUN
ctmj-139	63	2	talent	talent	NOUN
ctmj-139	63	3	tagging	tagging	NOUN
ctmj-139	63	4	for	for	ADP
ctmj-139	63	5	employees	employee	NOUN
ctmj-139	63	6	are	be	AUX
ctmj-139	63	7	done	do	VERB
ctmj-139	63	8	based	base	VERB
ctmj-139	63	9	on	on	ADP
ctmj-139	63	10	the	the	DET
ctmj-139	63	11	special	special	ADJ
ctmj-139	63	12	skill	skill	NOUN
ctmj-139	63	13	sets	set	NOUN
ctmj-139	63	14	of	of	ADP
ctmj-139	63	15	the	the	DET
ctmj-139	63	16	individual	individual	ADJ
ctmj-139	63	17	employees	employee	NOUN
ctmj-139	63	18	.	.	PUNCT
ctmj-139	64	1	capacity	capacity	NOUN
ctmj-139	64	2	building	build	VERB
ctmj-139	64	3	•	•	NOUN
ctmj-139	64	4	capacity	capacity	NOUN
ctmj-139	64	5	building	building	NOUN
ctmj-139	64	6	is	be	AUX
ctmj-139	64	7	implemented	implement	VERB
ctmj-139	64	8	in	in	ADP
ctmj-139	64	9	bank	bank	NOUN
ctmj-139	64	10	to	to	PART
ctmj-139	64	11	improve	improve	VERB
ctmj-139	64	12	the	the	DET
ctmj-139	64	13	quality	quality	NOUN
ctmj-139	64	14	of	of	ADP
ctmj-139	64	15	work	work	NOUN
ctmj-139	64	16	and	and	CCONJ
ctmj-139	64	17	for	for	ADP
ctmj-139	64	18	efficiency	efficiency	NOUN
ctmj-139	64	19	in	in	ADP
ctmj-139	64	20	the	the	DET
ctmj-139	64	21	specialized	specialized	ADJ
ctmj-139	64	22	departments	department	NOUN
ctmj-139	64	23	such	such	ADJ
ctmj-139	64	24	as	as	ADP
ctmj-139	64	25	credit	credit	NOUN
ctmj-139	64	26	,	,	PUNCT
ctmj-139	64	27	forex	forex	NOUN
ctmj-139	64	28	,	,	PUNCT
ctmj-139	64	29	treasury	treasury	NOUN
ctmj-139	64	30	,	,	PUNCT
ctmj-139	64	31	accounting	accounting	NOUN
ctmj-139	64	32	and	and	CCONJ
ctmj-139	64	33	cyber	cyber	NOUN
ctmj-139	64	34	security	security	NOUN
ctmj-139	64	35	.	.	PUNCT
ctmj-139	65	1	•	•	ADP
ctmj-139	65	2	as	as	ADP
ctmj-139	65	3	per	per	ADP
ctmj-139	65	4	rbi	rbi	NOUN
ctmj-139	65	5	instruction	instruction	NOUN
ctmj-139	65	6	,	,	PUNCT
ctmj-139	65	7	employees	employee	NOUN
ctmj-139	65	8	working	work	VERB
ctmj-139	65	9	in	in	ADP
ctmj-139	65	10	commercial	commercial	ADJ
ctmj-139	65	11	business	business	NOUN
ctmj-139	65	12	group	group	NOUN
ctmj-139	65	13	,	,	PUNCT
ctmj-139	65	14	corporate	corporate	ADJ
ctmj-139	65	15	and	and	CCONJ
ctmj-139	65	16	institutional	institutional	ADJ
ctmj-139	65	17	group	group	NOUN
ctmj-139	65	18	,	,	PUNCT
ctmj-139	65	19	central	central	ADJ
ctmj-139	65	20	loan	loan	NOUN
ctmj-139	65	21	processing	processing	NOUN
ctmj-139	65	22	cell	cell	NOUN
ctmj-139	65	23	,	,	PUNCT
ctmj-139	65	24	corporate	corporate	ADJ
ctmj-139	65	25	business	business	NOUN
ctmj-139	65	26	unit	unit	NOUN
ctmj-139	65	27	,	,	PUNCT
ctmj-139	65	28	divisional	divisional	ADJ
ctmj-139	65	29	office	office	NOUN
ctmj-139	65	30	credit	credit	NOUN
ctmj-139	65	31	processing	processing	NOUN
ctmj-139	65	32	,	,	PUNCT
ctmj-139	65	33	and	and	CCONJ
ctmj-139	65	34	business	business	NOUN
ctmj-139	65	35	banking	banking	NOUN
ctmj-139	65	36	units	unit	NOUN
ctmj-139	65	37	are	be	AUX
ctmj-139	65	38	insisted	insist	VERB
ctmj-139	65	39	for	for	ADP
ctmj-139	65	40	certified	certified	ADJ
ctmj-139	65	41	credit	credit	NOUN
ctmj-139	65	42	professional	professional	ADJ
ctmj-139	65	43	certification	certification	NOUN
ctmj-139	65	44	.	.	PUNCT
ctmj-139	66	1	•	•	NUM
ctmj-139	66	2	employees	employee	NOUN
ctmj-139	66	3	working	work	VERB
ctmj-139	66	4	in	in	ADP
ctmj-139	66	5	risk	risk	NOUN
ctmj-139	66	6	management	management	NOUN
ctmj-139	66	7	departments	department	NOUN
ctmj-139	66	8	,	,	PUNCT
ctmj-139	66	9	central	central	ADJ
ctmj-139	66	10	forex	forex	ADJ
ctmj-139	66	11	processing	processing	NOUN
ctmj-139	66	12	cell	cell	NOUN
ctmj-139	66	13	,	,	PUNCT
ctmj-139	66	14	treasury	treasury	NOUN
ctmj-139	66	15	,	,	PUNCT
ctmj-139	66	16	accounting	accounting	NOUN
ctmj-139	66	17	and	and	CCONJ
ctmj-139	66	18	cyber	cyber	NOUN
ctmj-139	66	19	security	security	NOUN
ctmj-139	66	20	departments	department	NOUN
ctmj-139	66	21	are	be	AUX
ctmj-139	66	22	insisted	insist	VERB
ctmj-139	66	23	to	to	PART
ctmj-139	66	24	do	do	VERB
ctmj-139	66	25	risk	risk	NOUN
ctmj-139	66	26	in	in	ADP
ctmj-139	66	27	financial	financial	ADJ
ctmj-139	66	28	services	service	NOUN
ctmj-139	66	29	certification	certification	NOUN
ctmj-139	66	30	,	,	PUNCT
ctmj-139	66	31	forex	forex	ADJ
ctmj-139	66	32	certification	certification	NOUN
ctmj-139	66	33	,	,	PUNCT
ctmj-139	66	34	certified	certify	VERB
ctmj-139	66	35	treasury	treasury	PROPN
ctmj-139	66	36	professional	professional	ADJ
ctmj-139	66	37	,	,	PUNCT
ctmj-139	66	38	certified	certified	ADJ
ctmj-139	66	39	accounting	accounting	NOUN
ctmj-139	66	40	and	and	CCONJ
ctmj-139	66	41	audit	audit	NOUN
ctmj-139	66	42	professional	professional	ADJ
ctmj-139	66	43	,	,	PUNCT
ctmj-139	66	44	it	it	PRON
ctmj-139	66	45	security	security	NOUN
ctmj-139	66	46	&	&	CCONJ
ctmj-139	66	47	cyber	cyber	PROPN
ctmj-139	66	48	security	security	NOUN
ctmj-139	66	49	certifications	certification	NOUN
ctmj-139	66	50	respectively	respectively	ADV
ctmj-139	66	51	within	within	ADP
ctmj-139	66	52	a	a	DET
ctmj-139	66	53	specified	specify	VERB
ctmj-139	66	54	time	time	NOUN
ctmj-139	66	55	span	span	NOUN
ctmj-139	66	56	.	.	PUNCT
ctmj-139	67	1	course	course	NOUN
ctmj-139	67	2	fee	fee	NOUN
ctmj-139	67	3	reimbursements	reimbursement	NOUN
ctmj-139	67	4	are	be	AUX
ctmj-139	67	5	also	also	ADV
ctmj-139	67	6	provided	provide	VERB
ctmj-139	67	7	by	by	ADP
ctmj-139	67	8	bank	bank	NOUN
ctmj-139	67	9	for	for	ADP
ctmj-139	67	10	the	the	DET
ctmj-139	67	11	special	special	ADJ
ctmj-139	67	12	certifications	certification	NOUN
ctmj-139	67	13	mentioned	mention	VERB
ctmj-139	67	14	above	above	ADV
ctmj-139	67	15	.	.	PUNCT
ctmj-139	68	1	objectives	objective	NOUN
ctmj-139	68	2	1	1	NUM
ctmj-139	68	3	.	.	PUNCT
ctmj-139	68	4	to	to	PART
ctmj-139	68	5	study	study	VERB
ctmj-139	68	6	the	the	DET
ctmj-139	68	7	demographic	demographic	ADJ
ctmj-139	68	8	profile	profile	NOUN
ctmj-139	68	9	of	of	ADP
ctmj-139	68	10	the	the	DET
ctmj-139	68	11	employees	employee	NOUN
ctmj-139	68	12	of	of	ADP
ctmj-139	68	13	karur	karur	PROPN
ctmj-139	68	14	vysya	vysya	PROPN
ctmj-139	68	15	bank	bank	PROPN
ctmj-139	68	16	in	in	ADP
ctmj-139	68	17	erode	erode	PROPN
ctmj-139	68	18	district	district	NOUN
ctmj-139	68	19	.	.	PUNCT
ctmj-139	69	1	2	2	X
ctmj-139	69	2	.	.	X
ctmj-139	69	3	to	to	PART
ctmj-139	69	4	analyse	analyse	VERB
ctmj-139	69	5	the	the	DET
ctmj-139	69	6	corporate	corporate	ADJ
ctmj-139	69	7	schemes	scheme	NOUN
ctmj-139	69	8	and	and	CCONJ
ctmj-139	69	9	its	its	PRON
ctmj-139	69	10	returns	return	NOUN
ctmj-139	69	11	towards	towards	ADP
ctmj-139	69	12	karur	karur	PROPN
ctmj-139	69	13	vysya	vysya	PROPN
ctmj-139	69	14	bank	bank	PROPN
ctmj-139	69	15	3	3	NUM
ctmj-139	69	16	.	.	PUNCT
ctmj-139	69	17	to	to	PART
ctmj-139	69	18	identify	identify	VERB
ctmj-139	69	19	the	the	DET
ctmj-139	69	20	digital	digital	ADJ
ctmj-139	69	21	management	management	NOUN
ctmj-139	69	22	systems	system	NOUN
ctmj-139	69	23	and	and	CCONJ
ctmj-139	69	24	its	its	PRON
ctmj-139	69	25	control	control	NOUN
ctmj-139	69	26	by	by	ADP
ctmj-139	69	27	the	the	DET
ctmj-139	69	28	employees	employee	NOUN
ctmj-139	69	29	of	of	ADP
ctmj-139	69	30	karur	karur	PROPN
ctmj-139	69	31	vysya	vysya	PROPN
ctmj-139	69	32	bank	bank	PROPN
ctmj-139	69	33	in	in	ADP
ctmj-139	69	34	erode	erode	PROPN
ctmj-139	69	35	district	district	NOUN
ctmj-139	69	36	.	.	PUNCT
ctmj-139	70	1	scope	scope	NOUN
ctmj-139	70	2	of	of	ADP
ctmj-139	70	3	study	study	VERB
ctmj-139	70	4	the	the	DET
ctmj-139	70	5	progress	progress	NOUN
ctmj-139	70	6	of	of	ADP
ctmj-139	70	7	the	the	DET
ctmj-139	70	8	banks	bank	NOUN
ctmj-139	70	9	determines	determine	VERB
ctmj-139	70	10	how	how	SCONJ
ctmj-139	70	11	far	far	ADV
ctmj-139	70	12	the	the	DET
ctmj-139	70	13	corporate	corporate	ADJ
ctmj-139	70	14	schemes	scheme	NOUN
ctmj-139	70	15	are	be	AUX
ctmj-139	70	16	functioning	function	VERB
ctmj-139	70	17	.	.	PUNCT
ctmj-139	71	1	the	the	DET
ctmj-139	71	2	rbi	rbi	NOUN
ctmj-139	71	3	reflects	reflect	VERB
ctmj-139	71	4	with	with	ADP
ctmj-139	71	5	number	number	NOUN
ctmj-139	71	6	of	of	ADP
ctmj-139	71	7	corporate	corporate	ADJ
ctmj-139	71	8	schemes	scheme	NOUN
ctmj-139	71	9	to	to	ADP
ctmj-139	71	10	the	the	DET
ctmj-139	71	11	public	public	NOUN
ctmj-139	71	12	through	through	ADP
ctmj-139	71	13	banking	banking	NOUN
ctmj-139	71	14	sectors	sector	NOUN
ctmj-139	71	15	.	.	PUNCT
ctmj-139	72	1	it	it	PRON
ctmj-139	72	2	is	be	AUX
ctmj-139	72	3	by	by	ADP
ctmj-139	72	4	how	how	SCONJ
ctmj-139	72	5	it	it	PRON
ctmj-139	72	6	passes	pass	VERB
ctmj-139	72	7	towards	towards	ADP
ctmj-139	72	8	the	the	DET
ctmj-139	72	9	customers	customer	NOUN
ctmj-139	72	10	and	and	CCONJ
ctmj-139	72	11	the	the	DET
ctmj-139	72	12	output	output	NOUN
ctmj-139	72	13	has	have	VERB
ctmj-139	72	14	to	to	PART
ctmj-139	72	15	be	be	AUX
ctmj-139	72	16	scanned	scan	VERB
ctmj-139	72	17	and	and	CCONJ
ctmj-139	72	18	rated	rate	VERB
ctmj-139	72	19	every	every	DET
ctmj-139	72	20	year	year	NOUN
ctmj-139	72	21	to	to	PART
ctmj-139	72	22	cheek	cheek	VERB
ctmj-139	72	23	the	the	DET
ctmj-139	72	24	operational	operational	ADJ
ctmj-139	72	25	ability	ability	NOUN
ctmj-139	72	26	of	of	ADP
ctmj-139	72	27	the	the	DET
ctmj-139	72	28	bank	bank	NOUN
ctmj-139	72	29	.	.	PUNCT
ctmj-139	73	1	these	these	DET
ctmj-139	73	2	schemes	scheme	NOUN
ctmj-139	73	3	are	be	AUX
ctmj-139	73	4	also	also	ADV
ctmj-139	73	5	undergone	undergo	VERB
ctmj-139	73	6	with	with	ADP
ctmj-139	73	7	cost	cost	NOUN
ctmj-139	73	8	free	free	ADJ
ctmj-139	73	9	digital	digital	ADJ
ctmj-139	73	10	subscriptions	subscription	NOUN
ctmj-139	73	11	by	by	ADP
ctmj-139	73	12	the	the	DET
ctmj-139	73	13	customers	customer	NOUN
ctmj-139	73	14	.	.	PUNCT
ctmj-139	74	1	the	the	DET
ctmj-139	74	2	employees	employee	NOUN
ctmj-139	74	3	of	of	ADP
ctmj-139	74	4	the	the	DET
ctmj-139	74	5	bank	bank	NOUN
ctmj-139	74	6	in	in	ADP
ctmj-139	74	7	turn	turn	NOUN
ctmj-139	74	8	have	have	VERB
ctmj-139	74	9	the	the	DET
ctmj-139	74	10	responsibility	responsibility	NOUN
ctmj-139	74	11	of	of	ADP
ctmj-139	74	12	deposing	depose	VERB
ctmj-139	74	13	the	the	DET
ctmj-139	74	14	schemes	scheme	NOUN
ctmj-139	74	15	to	to	ADP
ctmj-139	74	16	the	the	DET
ctmj-139	74	17	customers	customer	NOUN
ctmj-139	74	18	in	in	ADP
ctmj-139	74	19	a	a	DET
ctmj-139	74	20	reach	reach	NOUN
ctmj-139	74	21	.	.	PUNCT
ctmj-139	75	1	the	the	DET
ctmj-139	75	2	employees	employee	NOUN
ctmj-139	75	3	are	be	AUX
ctmj-139	75	4	also	also	ADV
ctmj-139	75	5	focused	focus	VERB
ctmj-139	75	6	on	on	ADP
ctmj-139	75	7	the	the	DET
ctmj-139	75	8	digital	digital	ADJ
ctmj-139	75	9	implications	implication	NOUN
ctmj-139	75	10	towards	towards	ADP
ctmj-139	75	11	these	these	DET
ctmj-139	75	12	schemes	scheme	NOUN
ctmj-139	75	13	.	.	PUNCT
ctmj-139	76	1	hence	hence	ADV
ctmj-139	76	2	,	,	PUNCT
ctmj-139	76	3	to	to	PART
ctmj-139	76	4	study	study	VERB
ctmj-139	76	5	about	about	ADP
ctmj-139	76	6	the	the	DET
ctmj-139	76	7	corporate	corporate	ADJ
ctmj-139	76	8	schemes	scheme	NOUN
ctmj-139	76	9	and	and	CCONJ
ctmj-139	76	10	engagement	engagement	NOUN
ctmj-139	76	11	strategy	strategy	NOUN
ctmj-139	76	12	of	of	ADP
ctmj-139	76	13	managers	manager	NOUN
ctmj-139	76	14	towards	towards	ADP
ctmj-139	76	15	digital	digital	ADJ
ctmj-139	76	16	initiatives	initiative	NOUN
ctmj-139	76	17	is	be	AUX
ctmj-139	76	18	essential	essential	ADJ
ctmj-139	76	19	.	.	PUNCT
ctmj-139	77	1	research	research	NOUN
ctmj-139	77	2	methodology	methodology	NOUN
ctmj-139	77	3	the	the	DET
ctmj-139	77	4	methodology	methodology	NOUN
ctmj-139	77	5	adopted	adopt	VERB
ctmj-139	77	6	in	in	ADP
ctmj-139	77	7	the	the	DET
ctmj-139	77	8	survey	survey	NOUN
ctmj-139	77	9	consists	consist	VERB
ctmj-139	77	10	of	of	ADP
ctmj-139	77	11	the	the	DET
ctmj-139	77	12	following	following	NOUN
ctmj-139	77	13	:	:	PUNCT
ctmj-139	77	14	primary	primary	ADJ
ctmj-139	77	15	data	datum	NOUN
ctmj-139	77	16	was	be	AUX
ctmj-139	77	17	collected	collect	VERB
ctmj-139	77	18	specifically	specifically	ADV
ctmj-139	77	19	for	for	ADP
ctmj-139	77	20	the	the	DET
ctmj-139	77	21	purpose	purpose	NOUN
ctmj-139	77	22	of	of	ADP
ctmj-139	77	23	the	the	DET
ctmj-139	77	24	research	research	NOUN
ctmj-139	77	25	needs	need	VERB
ctmj-139	77	26	at	at	ADP
ctmj-139	77	27	hand	hand	NOUN
ctmj-139	77	28	.	.	PUNCT
ctmj-139	78	1	secondary	secondary	ADJ
ctmj-139	78	2	data	datum	NOUN
ctmj-139	78	3	was	be	AUX
ctmj-139	78	4	collected	collect	VERB
ctmj-139	78	5	based	base	VERB
ctmj-139	78	6	on	on	ADP
ctmj-139	78	7	corporate	corporate	ADJ
ctmj-139	78	8	schemes	scheme	NOUN
ctmj-139	78	9	enrolment	enrolment	NOUN
ctmj-139	78	10	and	and	CCONJ
ctmj-139	78	11	its	its	PRON
ctmj-139	78	12	applications	application	NOUN
ctmj-139	78	13	.	.	PUNCT
ctmj-139	79	1	research	research	NOUN
ctmj-139	79	2	instrument	instrument	NOUN
ctmj-139	79	3	:	:	PUNCT
ctmj-139	79	4	the	the	DET
ctmj-139	79	5	questionnaire	questionnaire	NOUN
ctmj-139	79	6	consisted	consist	VERB
ctmj-139	79	7	of	of	ADP
ctmj-139	79	8	4	4	NUM
ctmj-139	79	9	specific	specific	ADJ
ctmj-139	79	10	issues	issue	NOUN
ctmj-139	79	11	pertaining	pertain	VERB
ctmj-139	79	12	to	to	ADP
ctmj-139	79	13	demographic	demographic	ADJ
ctmj-139	79	14	profile	profile	NOUN
ctmj-139	79	15	of	of	ADP
ctmj-139	79	16	the	the	DET
ctmj-139	79	17	managers	manager	NOUN
ctmj-139	79	18	,	,	PUNCT
ctmj-139	79	19	the	the	DET
ctmj-139	79	20	corporate	corporate	ADJ
ctmj-139	79	21	schemes	scheme	NOUN
ctmj-139	79	22	and	and	CCONJ
ctmj-139	79	23	its	its	PRON
ctmj-139	79	24	returns	return	NOUN
ctmj-139	79	25	,	,	PUNCT
ctmj-139	79	26	digital	digital	ADJ
ctmj-139	79	27	management	management	NOUN
ctmj-139	79	28	systems	system	NOUN
ctmj-139	79	29	and	and	CCONJ
ctmj-139	79	30	its	its	PRON
ctmj-139	79	31	control	control	NOUN
ctmj-139	79	32	by	by	ADP
ctmj-139	79	33	the	the	DET
ctmj-139	79	34	employees	employee	NOUN
ctmj-139	79	35	of	of	ADP
ctmj-139	79	36	karur	karur	PROPN
ctmj-139	79	37	vysya	vysya	PROPN
ctmj-139	79	38	bank	bank	PROPN
ctmj-139	79	39	in	in	ADP
ctmj-139	79	40	erode	erode	PROPN
ctmj-139	79	41	district	district	NOUN
ctmj-139	79	42	.	.	PUNCT
ctmj-139	80	1	sampling	sample	VERB
ctmj-139	80	2	details	detail	NOUN
ctmj-139	80	3	:	:	PUNCT
ctmj-139	80	4	the	the	DET
ctmj-139	80	5	sampling	sample	VERB
ctmj-139	80	6	unit	unit	NOUN
ctmj-139	80	7	of	of	ADP
ctmj-139	80	8	this	this	DET
ctmj-139	80	9	study	study	NOUN
ctmj-139	80	10	comprises	comprise	NOUN
ctmj-139	80	11	of	of	ADP
ctmj-139	80	12	150	150	NUM
ctmj-139	80	13	employees	employee	NOUN
ctmj-139	80	14	working	work	VERB
ctmj-139	80	15	in	in	ADP
ctmj-139	80	16	karur	karur	PROPN
ctmj-139	80	17	vysya	vysya	PROPN
ctmj-139	80	18	bank	bank	PROPN
ctmj-139	80	19	in	in	ADP
ctmj-139	80	20	erode	erode	PROPN
ctmj-139	80	21	district	district	NOUN
ctmj-139	80	22	.	.	PUNCT
ctmj-139	81	1	the	the	DET
ctmj-139	81	2	study	study	NOUN
ctmj-139	81	3	includes	include	VERB
ctmj-139	81	4	the	the	DET
ctmj-139	81	5	mangers	manger	NOUN
ctmj-139	81	6	of	of	ADP
ctmj-139	81	7	all	all	DET
ctmj-139	81	8	segments	segment	NOUN
ctmj-139	81	9	of	of	ADP
ctmj-139	81	10	bank	bank	NOUN
ctmj-139	81	11	affairs	affair	NOUN
ctmj-139	81	12	.	.	PUNCT
ctmj-139	82	1	the	the	DET
ctmj-139	82	2	respondents	respondent	NOUN
ctmj-139	82	3	were	be	AUX
ctmj-139	82	4	selected	select	VERB
ctmj-139	82	5	as	as	ADP
ctmj-139	82	6	per	per	ADP
ctmj-139	82	7	the	the	DET
ctmj-139	82	8	convenience	convenience	NOUN
ctmj-139	82	9	of	of	ADP
ctmj-139	82	10	the	the	DET
ctmj-139	82	11	researcher	researcher	NOUN
ctmj-139	82	12	in	in	ADP
ctmj-139	82	13	random	random	ADJ
ctmj-139	82	14	.	.	PUNCT
ctmj-139	83	1	statistical	statistical	ADJ
ctmj-139	83	2	tools	tool	NOUN
ctmj-139	83	3	:	:	PUNCT
ctmj-139	83	4	statistical	statistical	ADJ
ctmj-139	83	5	tools	tool	NOUN
ctmj-139	83	6	applied	apply	VERB
ctmj-139	83	7	for	for	ADP
ctmj-139	83	8	analyzing	analyze	VERB
ctmj-139	83	9	the	the	DET
ctmj-139	83	10	data	datum	NOUN
ctmj-139	83	11	were	be	AUX
ctmj-139	83	12	simple	simple	ADJ
ctmj-139	83	13	average	average	ADJ
ctmj-139	83	14	,	,	PUNCT
ctmj-139	83	15	chisquare	chisquare	NOUN
ctmj-139	83	16	and	and	CCONJ
ctmj-139	83	17	percentage	percentage	NOUN
ctmj-139	83	18	analysis	analysis	NOUN
ctmj-139	83	19	.	.	PUNCT
ctmj-139	84	1	limitations	limitation	NOUN
ctmj-139	84	2	of	of	ADP
ctmj-139	84	3	the	the	DET
ctmj-139	84	4	study	study	NOUN
ctmj-139	84	5			NOUN
ctmj-139	84	6	the	the	DET
ctmj-139	84	7	study	study	NOUN
ctmj-139	84	8	is	be	AUX
ctmj-139	84	9	limited	limit	VERB
ctmj-139	84	10	to	to	ADP
ctmj-139	84	11	the	the	DET
ctmj-139	84	12	genuineness	genuineness	NOUN
ctmj-139	84	13	of	of	ADP
ctmj-139	84	14	the	the	DET
ctmj-139	84	15	responses	response	NOUN
ctmj-139	84	16	collected	collect	VERB
ctmj-139	84	17	.	.	PUNCT
ctmj-139	85	1			NOUN
ctmj-139	85	2	time	time	NOUN
ctmj-139	85	3	constraint	constraint	NOUN
ctmj-139	85	4	.	.	PUNCT
ctmj-139	86	1			NOUN
ctmj-139	87	1	the	the	DET
ctmj-139	87	2	study	study	NOUN
ctmj-139	87	3	is	be	AUX
ctmj-139	87	4	restricted	restrict	VERB
ctmj-139	87	5	to	to	ADP
ctmj-139	87	6	150	150	NUM
ctmj-139	87	7	respondents	respondent	NOUN
ctmj-139	87	8	analysis	analysis	NOUN
ctmj-139	87	9	of	of	ADP
ctmj-139	87	10	the	the	DET
ctmj-139	87	11	data	datum	NOUN
ctmj-139	87	12	&	&	CCONJ
ctmj-139	87	13	findings	finding	VERB
ctmj-139	87	14	demographic	demographic	ADJ
ctmj-139	87	15	profile	profile	NOUN
ctmj-139	87	16	of	of	ADP
ctmj-139	87	17	employees	employee	NOUN
ctmj-139	87	18	to	to	PART
ctmj-139	87	19	analyse	analyse	VERB
ctmj-139	87	20	the	the	DET
ctmj-139	87	21	employee	employee	NOUN
ctmj-139	87	22	’s	’s	PART
ctmj-139	87	23	intention	intention	NOUN
ctmj-139	87	24	and	and	CCONJ
ctmj-139	87	25	deploying	deploy	VERB
ctmj-139	87	26	schemes	scheme	NOUN
ctmj-139	87	27	with	with	ADP
ctmj-139	87	28	digital	digital	ADJ
ctmj-139	87	29	applicability	applicability	NOUN
ctmj-139	87	30	the	the	DET
ctmj-139	87	31	researcher	researcher	NOUN
ctmj-139	87	32	has	have	AUX
ctmj-139	87	33	collected	collect	VERB
ctmj-139	87	34	the	the	DET
ctmj-139	87	35	data	datum	NOUN
ctmj-139	87	36	from	from	ADP
ctmj-139	87	37	the	the	DET
ctmj-139	87	38	employees	employee	NOUN
ctmj-139	87	39	of	of	ADP
ctmj-139	87	40	the	the	DET
ctmj-139	87	41	bank	bank	NOUN
ctmj-139	87	42	.	.	PUNCT
ctmj-139	88	1	the	the	DET
ctmj-139	88	2	bank	bank	NOUN
ctmj-139	88	3	manager	manager	NOUN
ctmj-139	88	4	’s	’s	PART
ctmj-139	88	5	demographic	demographic	ADJ
ctmj-139	88	6	profile	profile	NOUN
ctmj-139	88	7	helps	help	VERB
ctmj-139	88	8	to	to	PART
ctmj-139	88	9	study	study	VERB
ctmj-139	88	10	about	about	ADP
ctmj-139	88	11	the	the	DET
ctmj-139	88	12	age	age	NOUN
ctmj-139	88	13	factor	factor	NOUN
ctmj-139	88	14	with	with	ADP
ctmj-139	88	15	sincerity	sincerity	NOUN
ctmj-139	88	16	in	in	ADP
ctmj-139	88	17	work	work	NOUN
ctmj-139	88	18	,	,	PUNCT
ctmj-139	88	19	educational	educational	ADJ
ctmj-139	88	20	background	background	NOUN
ctmj-139	88	21	to	to	PART
ctmj-139	88	22	see	see	VERB
ctmj-139	88	23	how	how	SCONJ
ctmj-139	88	24	deep	deep	ADJ
ctmj-139	88	25	they	they	PRON
ctmj-139	88	26	could	could	AUX
ctmj-139	88	27	enrol	enrol	VERB
ctmj-139	88	28	with	with	ADP
ctmj-139	88	29	their	their	PRON
ctmj-139	88	30	personal	personal	ADJ
ctmj-139	88	31	skills	skill	NOUN
ctmj-139	88	32	and	and	CCONJ
ctmj-139	88	33	talents	talent	NOUN
ctmj-139	88	34	,	,	PUNCT
ctmj-139	88	35	designation	designation	NOUN
ctmj-139	88	36	to	to	PART
ctmj-139	88	37	check	check	VERB
ctmj-139	88	38	the	the	DET
ctmj-139	88	39	managerial	managerial	ADJ
ctmj-139	88	40	ability	ability	NOUN
ctmj-139	88	41	,	,	PUNCT
ctmj-139	88	42	mode	mode	NOUN
ctmj-139	88	43	of	of	ADP
ctmj-139	88	44	appointment	appointment	NOUN
ctmj-139	88	45	to	to	PART
ctmj-139	88	46	retrieve	retrieve	VERB
ctmj-139	88	47	their	their	PRON
ctmj-139	88	48	success	success	NOUN
ctmj-139	88	49	traits	trait	NOUN
ctmj-139	88	50	and	and	CCONJ
ctmj-139	88	51	experience	experience	NOUN
ctmj-139	88	52	to	to	PART
ctmj-139	88	53	analyse	analyse	VERB
ctmj-139	88	54	the	the	DET
ctmj-139	88	55	corporate	corporate	ADJ
ctmj-139	88	56	understanding	understanding	NOUN
ctmj-139	88	57	towards	towards	ADP
ctmj-139	88	58	digital	digital	ADJ
ctmj-139	88	59	transform	transform	NOUN
ctmj-139	88	60	.	.	PUNCT
ctmj-139	89	1	table	table	NOUN
ctmj-139	89	2	no.1.2	no.1.2	PROPN
ctmj-139	89	3	demographic	demographic	ADJ
ctmj-139	89	4	profile	profile	NOUN
ctmj-139	89	5	of	of	ADP
ctmj-139	89	6	employees	employee	NOUN
ctmj-139	89	7	personal	personal	ADJ
ctmj-139	89	8	and	and	CCONJ
ctmj-139	89	9	occupational	occupational	ADJ
ctmj-139	89	10	profile	profile	NOUN
ctmj-139	89	11	variables	variable	VERB
ctmj-139	89	12	respondents	respondent	VERB
ctmj-139	89	13	details	detail	NOUN
ctmj-139	89	14	number	number	NOUN
ctmj-139	89	15	of	of	ADP
ctmj-139	89	16	respondents	respondent	NOUN
ctmj-139	89	17	percentage	percentage	NOUN
ctmj-139	89	18	of	of	ADP
ctmj-139	89	19	respondents	respondent	NOUN
ctmj-139	89	20	age	age	NOUN
ctmj-139	89	21	21	21	NUM
ctmj-139	89	22	-	-	SYM
ctmj-139	89	23	30	30	NUM
ctmj-139	89	24	36	36	NUM
ctmj-139	89	25	24	24	NUM
ctmj-139	89	26	31	31	NUM
ctmj-139	89	27	-	-	SYM
ctmj-139	89	28	40	40	NUM
ctmj-139	89	29	33	33	NUM
ctmj-139	89	30	22	22	NUM
ctmj-139	89	31	41	41	NUM
ctmj-139	89	32	-	-	SYM
ctmj-139	89	33	50	50	NUM
ctmj-139	89	34	39	39	NUM
ctmj-139	89	35	26	26	NUM
ctmj-139	89	36	above	above	ADP
ctmj-139	89	37	50	50	NUM
ctmj-139	89	38	42	42	NUM
ctmj-139	89	39	28	28	NUM
ctmj-139	89	40	total	total	NOUN
ctmj-139	89	41	150	150	NUM
ctmj-139	89	42	100	100	NUM
ctmj-139	89	43	educational	educational	ADJ
ctmj-139	89	44	background	background	NOUN
ctmj-139	89	45	post	post	NOUN
ctmj-139	89	46	graduates	graduate	VERB
ctmj-139	89	47	105	105	NUM
ctmj-139	89	48	70	70	NUM
ctmj-139	89	49	under	under	ADP
ctmj-139	89	50	graduates	graduate	NOUN
ctmj-139	89	51	6	6	NUM
ctmj-139	89	52	4	4	NUM
ctmj-139	89	53	professional	professional	ADJ
ctmj-139	89	54	qualified	qualified	ADJ
ctmj-139	89	55	39	39	NUM
ctmj-139	89	56	26	26	NUM
ctmj-139	89	57	total	total	NOUN
ctmj-139	89	58	150	150	NUM
ctmj-139	89	59	100	100	NUM
ctmj-139	89	60	designation	designation	NOUN
ctmj-139	89	61	senior	senior	ADJ
ctmj-139	89	62	managers	manager	NOUN
ctmj-139	89	63	6	6	NUM
ctmj-139	89	64	4	4	NUM
ctmj-139	89	65	managers	manager	NOUN
ctmj-139	89	66	144	144	NUM
ctmj-139	89	67	96	96	NUM
ctmj-139	89	68	total	total	NOUN
ctmj-139	89	69	150	150	NUM
ctmj-139	89	70	100	100	NUM
ctmj-139	89	71	mode	mode	NOUN
ctmj-139	89	72	of	of	ADP
ctmj-139	89	73	appointment	appointment	NOUN
ctmj-139	89	74	managers	manager	NOUN
ctmj-139	89	75	111	111	NUM
ctmj-139	89	76	74	74	NUM
ctmj-139	89	77	promoted	promote	VERB
ctmj-139	89	78	as	as	ADP
ctmj-139	89	79	managers	manager	NOUN
ctmj-139	89	80	39	39	NUM
ctmj-139	89	81	26	26	NUM
ctmj-139	89	82	total	total	NOUN
ctmj-139	89	83	150	150	NUM
ctmj-139	89	84	100	100	NUM
ctmj-139	89	85	no	no	NOUN
ctmj-139	89	86	.	.	PUNCT
ctmj-139	90	1	of	of	ADP
ctmj-139	90	2	years	year	NOUN
ctmj-139	90	3	of	of	ADP
ctmj-139	90	4	experience	experience	NOUN
ctmj-139	90	5	0	0	NUM
ctmj-139	90	6	-	-	SYM
ctmj-139	90	7	5	5	NUM
ctmj-139	90	8	years	year	NOUN
ctmj-139	90	9	15	15	NUM
ctmj-139	90	10	20	20	NUM
ctmj-139	90	11	6	6	NUM
ctmj-139	90	12	-	-	SYM
ctmj-139	90	13	10	10	NUM
ctmj-139	90	14	years	year	NOUN
ctmj-139	90	15	24	24	NUM
ctmj-139	90	16	16	16	NUM
ctmj-139	90	17	11	11	NUM
ctmj-139	90	18	-	-	SYM
ctmj-139	90	19	15	15	NUM
ctmj-139	90	20	years	year	NOUN
ctmj-139	90	21	18	18	NUM
ctmj-139	90	22	12	12	NUM
ctmj-139	90	23	16	16	NUM
ctmj-139	90	24	-	-	SYM
ctmj-139	90	25	20	20	NUM
ctmj-139	90	26	years	year	NOUN
ctmj-139	90	27	33	33	NUM
ctmj-139	90	28	22	22	NUM
ctmj-139	90	29	above	above	ADP
ctmj-139	90	30	20	20	NUM
ctmj-139	90	31	years	year	NOUN
ctmj-139	90	32	60	60	NUM
ctmj-139	90	33	40	40	NUM
ctmj-139	90	34	total	total	NOUN
ctmj-139	90	35	150	150	NUM
ctmj-139	90	36	100	100	NUM
ctmj-139	90	37			PROPN
ctmj-139	90	38	a.	a.	NOUN
ctmj-139	90	39	educational	educational	ADJ
ctmj-139	90	40	background	background	NOUN
ctmj-139	90	41	of	of	ADP
ctmj-139	90	42	the	the	DET
ctmj-139	90	43	respondents	respondent	NOUN
ctmj-139	90	44	:	:	PUNCT
ctmj-139	90	45	70	70	NUM
ctmj-139	90	46	%	%	NOUN
ctmj-139	90	47	of	of	ADP
ctmj-139	90	48	the	the	DET
ctmj-139	90	49	respondents	respondent	NOUN
ctmj-139	90	50	were	be	AUX
ctmj-139	90	51	postgraduates	postgraduate	NOUN
ctmj-139	90	52	,	,	PUNCT
ctmj-139	90	53	26	26	NUM
ctmj-139	90	54	%	%	NOUN
ctmj-139	90	55	of	of	ADP
ctmj-139	90	56	the	the	DET
ctmj-139	90	57	respondents	respondent	NOUN
ctmj-139	90	58	were	be	AUX
ctmj-139	90	59	professionally	professionally	ADV
ctmj-139	90	60	qualified	qualified	ADJ
ctmj-139	90	61	and	and	CCONJ
ctmj-139	90	62	4	4	NUM
ctmj-139	90	63	%	%	NOUN
ctmj-139	90	64	of	of	ADP
ctmj-139	90	65	the	the	DET
ctmj-139	90	66	respondents	respondent	NOUN
ctmj-139	90	67	were	be	AUX
ctmj-139	90	68	graduates	graduate	NOUN
ctmj-139	90	69	.	.	PUNCT
ctmj-139	91	1			PROPN
ctmj-139	91	2	b.	b.	PROPN
ctmj-139	91	3	age	age	PROPN
ctmj-139	91	4	group	group	NOUN
ctmj-139	91	5	of	of	ADP
ctmj-139	91	6	the	the	DET
ctmj-139	91	7	respondents	respondent	NOUN
ctmj-139	91	8	:	:	PUNCT
ctmj-139	91	9	28	28	NUM
ctmj-139	91	10	%	%	NOUN
ctmj-139	91	11	of	of	ADP
ctmj-139	91	12	the	the	DET
ctmj-139	91	13	respondents	respondent	NOUN
ctmj-139	91	14	were	be	AUX
ctmj-139	91	15	in	in	ADP
ctmj-139	91	16	the	the	DET
ctmj-139	91	17	age	age	NOUN
ctmj-139	91	18	group	group	NOUN
ctmj-139	91	19	of	of	ADP
ctmj-139	91	20	above	above	ADP
ctmj-139	91	21	50	50	NUM
ctmj-139	91	22	years	year	NOUN
ctmj-139	91	23	of	of	ADP
ctmj-139	91	24	age	age	NOUN
ctmj-139	91	25	,	,	PUNCT
ctmj-139	91	26	followed	follow	VERB
ctmj-139	91	27	by	by	ADP
ctmj-139	91	28	26	26	NUM
ctmj-139	91	29	%	%	NOUN
ctmj-139	91	30	respondents	respondent	NOUN
ctmj-139	91	31	in	in	ADP
ctmj-139	91	32	the	the	DET
ctmj-139	91	33	age	age	NOUN
ctmj-139	91	34	group	group	NOUN
ctmj-139	91	35	of	of	ADP
ctmj-139	91	36	41	41	NUM
ctmj-139	91	37	-	-	SYM
ctmj-139	91	38	50	50	NUM
ctmj-139	91	39	years	year	NOUN
ctmj-139	91	40	,	,	PUNCT
ctmj-139	91	41	24	24	NUM
ctmj-139	91	42	%	%	NOUN
ctmj-139	91	43	of	of	ADP
ctmj-139	91	44	them	they	PRON
ctmj-139	91	45	were	be	AUX
ctmj-139	91	46	in	in	ADP
ctmj-139	91	47	the	the	DET
ctmj-139	91	48	age	age	NOUN
ctmj-139	91	49	group	group	NOUN
ctmj-139	91	50	of	of	ADP
ctmj-139	91	51	21	21	NUM
ctmj-139	91	52	-	-	SYM
ctmj-139	91	53	30	30	NUM
ctmj-139	91	54	years	year	NOUN
ctmj-139	91	55	and	and	CCONJ
ctmj-139	91	56	22	22	NUM
ctmj-139	91	57	%	%	NOUN
ctmj-139	91	58	of	of	ADP
ctmj-139	91	59	them	they	PRON
ctmj-139	91	60	were	be	AUX
ctmj-139	91	61	in	in	ADP
ctmj-139	91	62	the	the	DET
ctmj-139	91	63	age	age	NOUN
ctmj-139	91	64	group	group	NOUN
ctmj-139	91	65	of	of	ADP
ctmj-139	91	66	31	31	NUM
ctmj-139	91	67	-	-	SYM
ctmj-139	91	68	40	40	NUM
ctmj-139	91	69	years	year	NOUN
ctmj-139	91	70	.	.	PUNCT
ctmj-139	92	1			PROPN
ctmj-139	92	2	c.	c.	PROPN
ctmj-139	92	3	designation	designation	NOUN
ctmj-139	92	4	:	:	PUNCT
ctmj-139	92	5	96	96	NUM
ctmj-139	92	6	%	%	NOUN
ctmj-139	92	7	of	of	ADP
ctmj-139	92	8	the	the	DET
ctmj-139	92	9	respondents	respondent	NOUN
ctmj-139	92	10	were	be	AUX
ctmj-139	92	11	managers	manager	NOUN
ctmj-139	92	12	and	and	CCONJ
ctmj-139	92	13	4	4	NUM
ctmj-139	92	14	%	%	NOUN
ctmj-139	92	15	of	of	ADP
ctmj-139	92	16	the	the	DET
ctmj-139	92	17	respondents	respondent	NOUN
ctmj-139	92	18	are	be	AUX
ctmj-139	92	19	senior	senior	ADJ
ctmj-139	92	20	managers	manager	NOUN
ctmj-139	92	21	.	.	PUNCT
ctmj-139	93	1			PROPN
ctmj-139	93	2	d.	d.	PROPN
ctmj-139	93	3	mode	mode	PROPN
ctmj-139	93	4	of	of	ADP
ctmj-139	93	5	appointment	appointment	NOUN
ctmj-139	93	6	:	:	PUNCT
ctmj-139	93	7	74	74	NUM
ctmj-139	93	8	%	%	NOUN
ctmj-139	93	9	of	of	ADP
ctmj-139	93	10	the	the	DET
ctmj-139	93	11	respondents	respondent	NOUN
ctmj-139	93	12	were	be	AUX
ctmj-139	93	13	directly	directly	ADV
ctmj-139	93	14	appointed	appoint	VERB
ctmj-139	93	15	as	as	ADP
ctmj-139	93	16	managers	manager	NOUN
ctmj-139	93	17	and	and	CCONJ
ctmj-139	93	18	26	26	NUM
ctmj-139	93	19	%	%	NOUN
ctmj-139	93	20	of	of	ADP
ctmj-139	93	21	the	the	DET
ctmj-139	93	22	respondents	respondent	NOUN
ctmj-139	93	23	were	be	AUX
ctmj-139	93	24	promoted	promote	VERB
ctmj-139	93	25	as	as	ADP
ctmj-139	93	26	managers	manager	NOUN
ctmj-139	93	27	.	.	PUNCT
ctmj-139	94	1			PROPN
ctmj-139	94	2	e.	e.	PROPN
ctmj-139	94	3	number	number	NOUN
ctmj-139	94	4	of	of	ADP
ctmj-139	94	5	years	year	NOUN
ctmj-139	94	6	of	of	ADP
ctmj-139	94	7	experience	experience	NOUN
ctmj-139	94	8	of	of	ADP
ctmj-139	94	9	the	the	DET
ctmj-139	94	10	respondents	respondent	NOUN
ctmj-139	94	11	:	:	PUNCT
ctmj-139	94	12	40	40	NUM
ctmj-139	94	13	%	%	NOUN
ctmj-139	94	14	of	of	ADP
ctmj-139	94	15	the	the	DET
ctmj-139	94	16	respondents	respondent	NOUN
ctmj-139	94	17	have	have	VERB
ctmj-139	94	18	above	above	ADP
ctmj-139	94	19	20	20	NUM
ctmj-139	94	20	years	year	NOUN
ctmj-139	94	21	of	of	ADP
ctmj-139	94	22	experience	experience	NOUN
ctmj-139	94	23	,	,	PUNCT
ctmj-139	94	24	22	22	NUM
ctmj-139	94	25	%	%	NOUN
ctmj-139	94	26	of	of	ADP
ctmj-139	94	27	them	they	PRON
ctmj-139	94	28	have	have	VERB
ctmj-139	94	29	16	16	NUM
ctmj-139	94	30	-	-	SYM
ctmj-139	94	31	20	20	NUM
ctmj-139	94	32	years	year	NOUN
ctmj-139	94	33	of	of	ADP
ctmj-139	94	34	experience	experience	NOUN
ctmj-139	94	35	,	,	PUNCT
ctmj-139	94	36	16	16	NUM
ctmj-139	94	37	%	%	NOUN
ctmj-139	94	38	of	of	ADP
ctmj-139	94	39	them	they	PRON
ctmj-139	94	40	have	have	VERB
ctmj-139	94	41	6	6	NUM
ctmj-139	94	42	to	to	PART
ctmj-139	94	43	10	10	NUM
ctmj-139	94	44	years	year	NOUN
ctmj-139	94	45	of	of	ADP
ctmj-139	94	46	experience	experience	NOUN
ctmj-139	94	47	,	,	PUNCT
ctmj-139	94	48	12	12	NUM
ctmj-139	94	49	%	%	NOUN
ctmj-139	94	50	of	of	ADP
ctmj-139	94	51	them	they	PRON
ctmj-139	94	52	have	have	VERB
ctmj-139	94	53	11	11	NUM
ctmj-139	94	54	to	to	PART
ctmj-139	94	55	15	15	NUM
ctmj-139	94	56	years	year	NOUN
ctmj-139	94	57	of	of	ADP
ctmj-139	94	58	experience	experience	NOUN
ctmj-139	94	59	and	and	CCONJ
ctmj-139	94	60	10	10	NUM
ctmj-139	94	61	%	%	NOUN
ctmj-139	94	62	of	of	ADP
ctmj-139	94	63	them	they	PRON
ctmj-139	94	64	have	have	VERB
ctmj-139	94	65	less	less	ADJ
ctmj-139	94	66	than	than	ADP
ctmj-139	94	67	five	five	NUM
ctmj-139	94	68	years	year	NOUN
ctmj-139	94	69	of	of	ADP
ctmj-139	94	70	experience	experience	NOUN
ctmj-139	94	71	.	.	PUNCT
ctmj-139	95	1	digital	digital	ADJ
ctmj-139	95	2	management	management	NOUN
ctmj-139	95	3	systems	system	NOUN
ctmj-139	95	4	the	the	DET
ctmj-139	95	5	digital	digital	ADJ
ctmj-139	95	6	management	management	NOUN
ctmj-139	95	7	system	system	NOUN
ctmj-139	95	8	has	have	VERB
ctmj-139	95	9	to	to	PART
ctmj-139	95	10	function	function	VERB
ctmj-139	95	11	with	with	ADP
ctmj-139	95	12	the	the	DET
ctmj-139	95	13	corporate	corporate	ADJ
ctmj-139	95	14	schemes	scheme	NOUN
ctmj-139	95	15	then	then	ADV
ctmj-139	95	16	and	and	CCONJ
ctmj-139	95	17	there	there	ADV
ctmj-139	95	18	.	.	PUNCT
ctmj-139	96	1	the	the	DET
ctmj-139	96	2	employee	employee	NOUN
ctmj-139	96	3	plays	play	VERB
ctmj-139	96	4	a	a	DET
ctmj-139	96	5	major	major	ADJ
ctmj-139	96	6	role	role	NOUN
ctmj-139	96	7	in	in	ADP
ctmj-139	96	8	its	its	PRON
ctmj-139	96	9	fortunes	fortune	NOUN
ctmj-139	96	10	.	.	PUNCT
ctmj-139	97	1	hence	hence	ADV
ctmj-139	97	2	,	,	PUNCT
ctmj-139	97	3	the	the	DET
ctmj-139	97	4	study	study	NOUN
ctmj-139	97	5	on	on	ADP
ctmj-139	97	6	the	the	DET
ctmj-139	97	7	employee	employee	NOUN
ctmj-139	97	8	’s	’s	PART
ctmj-139	97	9	attitude	attitude	NOUN
ctmj-139	97	10	towards	towards	ADP
ctmj-139	97	11	age	age	NOUN
ctmj-139	97	12	wise	wise	ADJ
ctmj-139	97	13	is	be	AUX
ctmj-139	97	14	in	in	ADP
ctmj-139	97	15	need	need	NOUN
ctmj-139	97	16	.	.	PUNCT
ctmj-139	98	1	the	the	DET
ctmj-139	98	2	employees	employee	NOUN
ctmj-139	98	3	work	work	VERB
ctmj-139	98	4	with	with	ADP
ctmj-139	98	5	full	full	ADJ
ctmj-139	98	6	sustain	sustain	NOUN
ctmj-139	98	7	if	if	SCONJ
ctmj-139	98	8	they	they	PRON
ctmj-139	98	9	are	be	AUX
ctmj-139	98	10	paid	pay	VERB
ctmj-139	98	11	with	with	ADP
ctmj-139	98	12	good	good	ADJ
ctmj-139	98	13	salary	salary	NOUN
ctmj-139	98	14	package	package	NOUN
ctmj-139	98	15	.	.	PUNCT
ctmj-139	99	1	they	they	PRON
ctmj-139	99	2	should	should	AUX
ctmj-139	99	3	be	be	AUX
ctmj-139	99	4	awarded	award	VERB
ctmj-139	99	5	and	and	CCONJ
ctmj-139	99	6	recognised	recognise	VERB
ctmj-139	99	7	for	for	ADP
ctmj-139	99	8	their	their	PRON
ctmj-139	99	9	work	work	NOUN
ctmj-139	99	10	where	where	SCONJ
ctmj-139	99	11	they	they	PRON
ctmj-139	99	12	get	get	VERB
ctmj-139	99	13	towards	towards	ADP
ctmj-139	99	14	reach	reach	NOUN
ctmj-139	99	15	of	of	ADP
ctmj-139	99	16	the	the	DET
ctmj-139	99	17	rural	rural	ADJ
ctmj-139	99	18	customers	customer	NOUN
ctmj-139	99	19	towards	towards	ADP
ctmj-139	99	20	corporate	corporate	ADJ
ctmj-139	99	21	affairs	affair	NOUN
ctmj-139	99	22	.	.	PUNCT
ctmj-139	100	1	learning	learning	NOUN
ctmj-139	100	2	and	and	CCONJ
ctmj-139	100	3	development	development	NOUN
ctmj-139	100	4	attitude	attitude	NOUN
ctmj-139	100	5	make	make	VERB
ctmj-139	100	6	them	they	PRON
ctmj-139	100	7	to	to	PART
ctmj-139	100	8	envisage	envisage	VERB
ctmj-139	100	9	more	more	ADJ
ctmj-139	100	10	with	with	ADP
ctmj-139	100	11	digital	digital	ADJ
ctmj-139	100	12	initiatives	initiative	NOUN
ctmj-139	100	13	.	.	PUNCT
ctmj-139	101	1	hence	hence	ADV
ctmj-139	101	2	an	an	DET
ctmj-139	101	3	analysis	analysis	NOUN
ctmj-139	101	4	has	have	AUX
ctmj-139	101	5	been	be	AUX
ctmj-139	101	6	given	give	VERB
ctmj-139	101	7	below	below	ADV
ctmj-139	101	8	.	.	PUNCT
ctmj-139	102	1	hypothesis	hypothesis	NOUN
ctmj-139	102	2	ho	ho	NOUN
ctmj-139	102	3	:	:	PUNCT
ctmj-139	102	4	there	there	PRON
ctmj-139	102	5	is	be	VERB
ctmj-139	102	6	no	no	DET
ctmj-139	102	7	association	association	NOUN
ctmj-139	102	8	between	between	ADP
ctmj-139	102	9	the	the	DET
ctmj-139	102	10	age	age	NOUN
ctmj-139	102	11	of	of	ADP
ctmj-139	102	12	the	the	DET
ctmj-139	102	13	employees	employee	NOUN
ctmj-139	102	14	and	and	CCONJ
ctmj-139	102	15	the	the	DET
ctmj-139	102	16	engagement	engagement	NOUN
ctmj-139	102	17	strategy	strategy	NOUN
ctmj-139	102	18	of	of	ADP
ctmj-139	102	19	employees	employee	NOUN
ctmj-139	102	20	towards	towards	ADP
ctmj-139	102	21	digital	digital	ADJ
ctmj-139	102	22	initiatives	initiative	NOUN
ctmj-139	102	23	table	table	NOUN
ctmj-139	102	24	no.1.3	no.1.3	PROPN
ctmj-139	102	25	digital	digital	ADJ
ctmj-139	102	26	management	management	NOUN
ctmj-139	102	27	systems	system	NOUN
ctmj-139	102	28	–	–	PUNCT
ctmj-139	102	29	age	age	NOUN
ctmj-139	102	30	wise	wise	ADJ
ctmj-139	102	31	factor	factor	NOUN
ctmj-139	102	32	age	age	NOUN
ctmj-139	102	33	of	of	ADP
ctmj-139	102	34	the	the	DET
ctmj-139	102	35	respondents	respondent	NOUN
ctmj-139	102	36	salary	salary	NOUN
ctmj-139	102	37	and	and	CCONJ
ctmj-139	102	38	package	package	NOUN
ctmj-139	102	39	awards	award	NOUN
ctmj-139	102	40	and	and	CCONJ
ctmj-139	102	41	recognition	recognition	NOUN
ctmj-139	102	42	learning	learning	NOUN
ctmj-139	102	43	and	and	CCONJ
ctmj-139	102	44	development	development	NOUN
ctmj-139	102	45	attitude	attitude	NOUN
ctmj-139	102	46	digital	digital	ADJ
ctmj-139	102	47	initiatives	initiative	NOUN
ctmj-139	102	48	total	total	VERB
ctmj-139	102	49	21	21	NUM
ctmj-139	102	50	-	-	SYM
ctmj-139	102	51	30	30	NUM
ctmj-139	102	52	16	16	NUM
ctmj-139	102	53	2	2	NUM
ctmj-139	102	54	10	10	NUM
ctmj-139	102	55	8	8	NUM
ctmj-139	102	56	36	36	NUM
ctmj-139	102	57	31	31	NUM
ctmj-139	102	58	-	-	SYM
ctmj-139	102	59	40	40	NUM
ctmj-139	102	60	8	8	NUM
ctmj-139	102	61	3	3	NUM
ctmj-139	102	62	20	20	NUM
ctmj-139	102	63	2	2	NUM
ctmj-139	102	64	33	33	NUM
ctmj-139	102	65	41	41	NUM
ctmj-139	102	66	-	-	SYM
ctmj-139	102	67	50	50	NUM
ctmj-139	102	68	15	15	NUM
ctmj-139	102	69	4	4	NUM
ctmj-139	102	70	10	10	NUM
ctmj-139	102	71	10	10	NUM
ctmj-139	102	72	39	39	NUM
ctmj-139	102	73	above	above	ADP
ctmj-139	102	74	50	50	NUM
ctmj-139	102	75	9	9	NUM
ctmj-139	102	76	24	24	NUM
ctmj-139	102	77	5	5	NUM
ctmj-139	102	78	4	4	NUM
ctmj-139	102	79	42	42	NUM
ctmj-139	102	80	total	total	NOUN
ctmj-139	102	81	48	48	NUM
ctmj-139	102	82	33	33	NUM
ctmj-139	102	83	45	45	NUM
ctmj-139	102	84	24	24	NUM
ctmj-139	102	85	150	150	NUM
ctmj-139	102	86	pearson	pearson	NOUN
ctmj-139	102	87	chi	chi	PROPN
ctmj-139	102	88	-	-	PUNCT
ctmj-139	102	89	square	square	ADJ
ctmj-139	102	90	value	value	NOUN
ctmj-139	102	91	18.909	18.909	NUM
ctmj-139	102	92	df	df	NOUN
ctmj-139	102	93	3	3	NUM
ctmj-139	102	94	asymp	asymp	NOUN
ctmj-139	102	95	.	.	PUNCT
ctmj-139	103	1	sig	sig	PROPN
ctmj-139	103	2	.	.	PUNCT
ctmj-139	103	3	0.002	0.002	NUM
ctmj-139	103	4	since	since	SCONJ
ctmj-139	103	5	the	the	DET
ctmj-139	103	6	significance	significance	NOUN
ctmj-139	103	7	value	value	NOUN
ctmj-139	103	8	is	be	AUX
ctmj-139	103	9	less	less	ADJ
ctmj-139	103	10	than	than	ADP
ctmj-139	103	11	the	the	DET
ctmj-139	103	12	tabulated	tabulate	VERB
ctmj-139	103	13	value	value	NOUN
ctmj-139	103	14	,	,	PUNCT
ctmj-139	103	15	the	the	DET
ctmj-139	103	16	null	null	ADJ
ctmj-139	103	17	hypothesis	hypothesis	NOUN
ctmj-139	103	18	is	be	AUX
ctmj-139	103	19	accepted	accept	VERB
ctmj-139	103	20	,	,	PUNCT
ctmj-139	103	21	which	which	PRON
ctmj-139	103	22	indicates	indicate	VERB
ctmj-139	103	23	that	that	SCONJ
ctmj-139	103	24	,	,	PUNCT
ctmj-139	103	25	both	both	CCONJ
ctmj-139	103	26	the	the	DET
ctmj-139	103	27	variables	variable	NOUN
ctmj-139	103	28	(	(	PUNCT
ctmj-139	103	29	age	age	NOUN
ctmj-139	103	30	of	of	ADP
ctmj-139	103	31	the	the	DET
ctmj-139	103	32	respondents	respondent	NOUN
ctmj-139	103	33	and	and	CCONJ
ctmj-139	103	34	engagement	engagement	NOUN
ctmj-139	103	35	strategy	strategy	NOUN
ctmj-139	103	36	of	of	ADP
ctmj-139	103	37	employees	employee	NOUN
ctmj-139	103	38	towards	towards	ADP
ctmj-139	103	39	digital	digital	ADJ
ctmj-139	103	40	initiatives	initiative	NOUN
ctmj-139	103	41	)	)	PUNCT
ctmj-139	103	42	are	be	AUX
ctmj-139	103	43	not	not	PART
ctmj-139	103	44	associated	associate	VERB
ctmj-139	103	45	.	.	PUNCT
ctmj-139	104	1	the	the	DET
ctmj-139	104	2	chi	chi	ADJ
ctmj-139	104	3	-	-	PUNCT
ctmj-139	104	4	square	square	ADJ
ctmj-139	104	5	value	value	NOUN
ctmj-139	104	6	18.909	18.909	NUM
ctmj-139	104	7	and	and	CCONJ
ctmj-139	104	8	p=	p=	NOUN
ctmj-139	104	9	0.002	0.002	NUM
ctmj-139	104	10	are	be	AUX
ctmj-139	104	11	statistically	statistically	ADV
ctmj-139	104	12	significant	significant	ADJ
ctmj-139	104	13	at	at	ADP
ctmj-139	104	14	5	5	NUM
ctmj-139	104	15	%	%	NOUN
ctmj-139	104	16	level	level	NOUN
ctmj-139	104	17	.	.	PUNCT
ctmj-139	105	1	therefore	therefore	ADV
ctmj-139	105	2	it	it	PRON
ctmj-139	105	3	can	can	AUX
ctmj-139	105	4	be	be	AUX
ctmj-139	105	5	concluded	conclude	VERB
ctmj-139	105	6	that	that	SCONJ
ctmj-139	105	7	there	there	PRON
ctmj-139	105	8	is	be	VERB
ctmj-139	105	9	a	a	DET
ctmj-139	105	10	close	close	ADJ
ctmj-139	105	11	association	association	NOUN
ctmj-139	105	12	between	between	ADP
ctmj-139	105	13	the	the	DET
ctmj-139	105	14	age	age	NOUN
ctmj-139	105	15	of	of	ADP
ctmj-139	105	16	the	the	DET
ctmj-139	105	17	managers	manager	NOUN
ctmj-139	105	18	and	and	CCONJ
ctmj-139	105	19	their	their	PRON
ctmj-139	105	20	engagement	engagement	NOUN
ctmj-139	105	21	strategy	strategy	NOUN
ctmj-139	105	22	towards	towards	ADP
ctmj-139	105	23	digital	digital	ADJ
ctmj-139	105	24	initiatives	initiative	NOUN
ctmj-139	105	25	.	.	PUNCT
ctmj-139	106	1	the	the	DET
ctmj-139	106	2	above	above	ADJ
ctmj-139	106	3	table	table	NOUN
ctmj-139	106	4	clearly	clearly	ADV
ctmj-139	106	5	shows	show	VERB
ctmj-139	106	6	that	that	SCONJ
ctmj-139	106	7	respondents	respondent	NOUN
ctmj-139	106	8	in	in	ADP
ctmj-139	106	9	the	the	DET
ctmj-139	106	10	age	age	NOUN
ctmj-139	106	11	group	group	NOUN
ctmj-139	106	12	of	of	ADP
ctmj-139	106	13	above	above	ADP
ctmj-139	106	14	50	50	NUM
ctmj-139	106	15	prefer	prefer	NOUN
ctmj-139	106	16	awards	award	NOUN
ctmj-139	106	17	and	and	CCONJ
ctmj-139	106	18	recognition	recognition	NOUN
ctmj-139	106	19	as	as	ADP
ctmj-139	106	20	an	an	DET
ctmj-139	106	21	engagement	engagement	NOUN
ctmj-139	106	22	strategy	strategy	NOUN
ctmj-139	106	23	in	in	ADP
ctmj-139	106	24	comparison	comparison	NOUN
ctmj-139	106	25	to	to	ADP
ctmj-139	106	26	other	other	ADJ
ctmj-139	106	27	engagement	engagement	NOUN
ctmj-139	106	28	strategies	strategy	NOUN
ctmj-139	106	29	.	.	PUNCT
ctmj-139	107	1	this	this	PRON
ctmj-139	107	2	shows	show	VERB
ctmj-139	107	3	that	that	SCONJ
ctmj-139	107	4	their	their	PRON
ctmj-139	107	5	recognition	recognition	NOUN
ctmj-139	107	6	make	make	VERB
ctmj-139	107	7	them	they	PRON
ctmj-139	107	8	to	to	PART
ctmj-139	107	9	move	move	VERB
ctmj-139	107	10	towards	towards	ADP
ctmj-139	107	11	smart	smart	ADJ
ctmj-139	107	12	options	option	NOUN
ctmj-139	107	13	.	.	PUNCT
ctmj-139	108	1	suggestions	suggestion	NOUN
ctmj-139	108	2	and	and	CCONJ
ctmj-139	108	3	recommendations	recommendation	NOUN
ctmj-139	108	4	1	1	NUM
ctmj-139	108	5	.	.	X
ctmj-139	108	6	majority	majority	NOUN
ctmj-139	108	7	of	of	ADP
ctmj-139	108	8	the	the	DET
ctmj-139	108	9	customers	customer	NOUN
ctmj-139	108	10	of	of	ADP
ctmj-139	108	11	the	the	DET
ctmj-139	108	12	bank	bank	NOUN
ctmj-139	108	13	are	be	AUX
ctmj-139	108	14	from	from	ADP
ctmj-139	108	15	urban	urban	ADJ
ctmj-139	108	16	and	and	CCONJ
ctmj-139	108	17	semi	semi	ADV
ctmj-139	108	18	urban	urban	ADJ
ctmj-139	108	19	back	back	ADJ
ctmj-139	108	20	ground	ground	NOUN
ctmj-139	108	21	.	.	PUNCT
ctmj-139	109	1	the	the	DET
ctmj-139	109	2	employees	employee	NOUN
ctmj-139	109	3	feel	feel	VERB
ctmj-139	109	4	that	that	SCONJ
ctmj-139	109	5	the	the	DET
ctmj-139	109	6	customers	customer	NOUN
ctmj-139	109	7	from	from	ADP
ctmj-139	109	8	rural	rural	ADJ
ctmj-139	109	9	areas	area	NOUN
ctmj-139	109	10	are	be	AUX
ctmj-139	109	11	less	less	ADJ
ctmj-139	109	12	.	.	PUNCT
ctmj-139	110	1	2	2	X
ctmj-139	110	2	.	.	X
ctmj-139	110	3	the	the	DET
ctmj-139	110	4	corporate	corporate	ADJ
ctmj-139	110	5	schemes	scheme	NOUN
ctmj-139	110	6	are	be	AUX
ctmj-139	110	7	followed	follow	VERB
ctmj-139	110	8	by	by	ADP
ctmj-139	110	9	banks	bank	NOUN
ctmj-139	110	10	and	and	CCONJ
ctmj-139	110	11	they	they	PRON
ctmj-139	110	12	try	try	VERB
ctmj-139	110	13	to	to	PART
ctmj-139	110	14	depict	depict	VERB
ctmj-139	110	15	the	the	DET
ctmj-139	110	16	same	same	ADJ
ctmj-139	110	17	towards	towards	ADP
ctmj-139	110	18	the	the	DET
ctmj-139	110	19	business	business	NOUN
ctmj-139	110	20	affairs	affair	NOUN
ctmj-139	110	21	.	.	PUNCT
ctmj-139	111	1	they	they	PRON
ctmj-139	111	2	feel	feel	VERB
ctmj-139	111	3	that	that	SCONJ
ctmj-139	111	4	only	only	ADV
ctmj-139	111	5	40	40	NUM
ctmj-139	111	6	%	%	NOUN
ctmj-139	111	7	of	of	ADP
ctmj-139	111	8	the	the	DET
ctmj-139	111	9	customers	customer	NOUN
ctmj-139	111	10	take	take	VERB
ctmj-139	111	11	the	the	DET
ctmj-139	111	12	schemes	scheme	NOUN
ctmj-139	111	13	properly	properly	ADV
ctmj-139	111	14	.	.	PUNCT
ctmj-139	112	1	it	it	PRON
ctmj-139	112	2	would	would	AUX
ctmj-139	112	3	be	be	AUX
ctmj-139	112	4	better	well	ADJ
ctmj-139	112	5	if	if	SCONJ
ctmj-139	112	6	all	all	DET
ctmj-139	112	7	the	the	DET
ctmj-139	112	8	customers	customer	NOUN
ctmj-139	112	9	try	try	VERB
ctmj-139	112	10	to	to	PART
ctmj-139	112	11	adhere	adhere	VERB
ctmj-139	112	12	the	the	DET
ctmj-139	112	13	schemes	scheme	NOUN
ctmj-139	112	14	in	in	ADP
ctmj-139	112	15	future	future	NOUN
ctmj-139	112	16	.	.	PUNCT
ctmj-139	113	1	3	3	X
ctmj-139	113	2	.	.	X
ctmj-139	114	1	the	the	DET
ctmj-139	114	2	employees	employee	NOUN
ctmj-139	114	3	feel	feel	VERB
ctmj-139	114	4	that	that	SCONJ
ctmj-139	114	5	56	56	NUM
ctmj-139	114	6	%	%	NOUN
ctmj-139	114	7	of	of	ADP
ctmj-139	114	8	the	the	DET
ctmj-139	114	9	customers	customer	NOUN
ctmj-139	114	10	get	get	AUX
ctmj-139	114	11	confused	confused	ADJ
ctmj-139	114	12	on	on	ADP
ctmj-139	114	13	the	the	DET
ctmj-139	114	14	corporate	corporate	ADJ
ctmj-139	114	15	schemes	scheme	NOUN
ctmj-139	114	16	.	.	PUNCT
ctmj-139	115	1	they	they	PRON
ctmj-139	115	2	advise	advise	VERB
ctmj-139	115	3	them	they	PRON
ctmj-139	115	4	that	that	SCONJ
ctmj-139	115	5	any	any	DET
ctmj-139	115	6	disclosure	disclosure	NOUN
ctmj-139	115	7	they	they	PRON
ctmj-139	115	8	can	can	AUX
ctmj-139	115	9	contact	contact	VERB
ctmj-139	115	10	the	the	DET
ctmj-139	115	11	employees	employee	NOUN
ctmj-139	115	12	for	for	ADP
ctmj-139	115	13	their	their	PRON
ctmj-139	115	14	clarity	clarity	NOUN
ctmj-139	115	15	.	.	PUNCT
ctmj-139	116	1	4	4	X
ctmj-139	116	2	.	.	X
ctmj-139	117	1	the	the	DET
ctmj-139	117	2	managers	manager	NOUN
ctmj-139	117	3	feel	feel	VERB
ctmj-139	117	4	that	that	SCONJ
ctmj-139	117	5	the	the	DET
ctmj-139	117	6	digital	digital	ADJ
ctmj-139	117	7	initiations	initiation	NOUN
ctmj-139	117	8	lead	lead	VERB
ctmj-139	117	9	for	for	ADP
ctmj-139	117	10	smart	smart	ADJ
ctmj-139	117	11	sustainability	sustainability	NOUN
ctmj-139	117	12	.	.	PUNCT
ctmj-139	118	1	the	the	DET
ctmj-139	118	2	bank	bank	NOUN
ctmj-139	118	3	employees	employee	NOUN
ctmj-139	118	4	have	have	VERB
ctmj-139	118	5	to	to	PART
ctmj-139	118	6	be	be	AUX
ctmj-139	118	7	trained	train	VERB
ctmj-139	118	8	with	with	ADP
ctmj-139	118	9	the	the	DET
ctmj-139	118	10	applications	application	NOUN
ctmj-139	118	11	.	.	PUNCT
ctmj-139	119	1	the	the	DET
ctmj-139	119	2	managers	manager	NOUN
ctmj-139	119	3	arrange	arrange	VERB
ctmj-139	119	4	revamping	revamp	VERB
ctmj-139	119	5	course	course	NOUN
ctmj-139	119	6	for	for	ADP
ctmj-139	119	7	all	all	DET
ctmj-139	119	8	segments	segment	NOUN
ctmj-139	119	9	of	of	ADP
ctmj-139	119	10	employees	employee	NOUN
ctmj-139	119	11	of	of	ADP
ctmj-139	119	12	the	the	DET
ctmj-139	119	13	bank	bank	NOUN
ctmj-139	119	14	.	.	PUNCT
ctmj-139	120	1	conclusion	conclusion	VERB
ctmj-139	120	2	the	the	DET
ctmj-139	120	3	money	money	NOUN
ctmj-139	120	4	coming	come	VERB
ctmj-139	120	5	in	in	ADV
ctmj-139	120	6	and	and	CCONJ
ctmj-139	120	7	going	go	VERB
ctmj-139	120	8	out	out	ADP
ctmj-139	120	9	of	of	ADP
ctmj-139	120	10	a	a	DET
ctmj-139	120	11	company	company	NOUN
ctmj-139	120	12	is	be	AUX
ctmj-139	120	13	what	what	PRON
ctmj-139	120	14	sets	set	VERB
ctmj-139	120	15	the	the	DET
ctmj-139	120	16	overall	overall	ADJ
ctmj-139	120	17	direction	direction	NOUN
ctmj-139	120	18	.	.	PUNCT
ctmj-139	121	1	managers	manager	NOUN
ctmj-139	121	2	continue	continue	VERB
ctmj-139	121	3	operations	operation	NOUN
ctmj-139	121	4	with	with	ADP
ctmj-139	121	5	due	due	ADJ
ctmj-139	121	6	appreciation	appreciation	NOUN
ctmj-139	121	7	for	for	ADP
ctmj-139	121	8	funding	funding	NOUN
ctmj-139	121	9	.	.	PUNCT
ctmj-139	122	1	effective	effective	ADJ
ctmj-139	122	2	time	time	NOUN
ctmj-139	122	3	management	management	NOUN
ctmj-139	122	4	that	that	PRON
ctmj-139	122	5	does	do	AUX
ctmj-139	122	6	n't	not	PART
ctmj-139	122	7	drain	drain	VERB
ctmj-139	122	8	the	the	DET
ctmj-139	122	9	bank	bank	NOUN
ctmj-139	122	10	is	be	AUX
ctmj-139	122	11	crucial	crucial	ADJ
ctmj-139	122	12	.	.	PUNCT
ctmj-139	123	1	therefore	therefore	ADV
ctmj-139	123	2	,	,	PUNCT
ctmj-139	123	3	the	the	DET
ctmj-139	123	4	audit	audit	NOUN
ctmj-139	123	5	committee	committee	NOUN
ctmj-139	123	6	of	of	ADP
ctmj-139	123	7	the	the	DET
ctmj-139	123	8	board	board	NOUN
ctmj-139	123	9	(	(	PUNCT
ctmj-139	123	10	acb	acb	PROPN
ctmj-139	123	11	)	)	PUNCT
ctmj-139	123	12	gives	give	VERB
ctmj-139	123	13	the	the	DET
ctmj-139	123	14	managers	manager	NOUN
ctmj-139	123	15	highlevel	highlevel	ADJ
ctmj-139	123	16	advice	advice	NOUN
ctmj-139	123	17	and	and	CCONJ
ctmj-139	123	18	direction	direction	NOUN
ctmj-139	123	19	on	on	ADP
ctmj-139	123	20	the	the	DET
ctmj-139	123	21	control	control	NOUN
ctmj-139	123	22	elements	element	NOUN
ctmj-139	123	23	.	.	PUNCT
ctmj-139	124	1	keeping	keep	VERB
ctmj-139	124	2	ahead	ahead	ADV
ctmj-139	124	3	of	of	ADP
ctmj-139	124	4	the	the	DET
ctmj-139	124	5	competition	competition	NOUN
ctmj-139	124	6	requires	require	VERB
ctmj-139	124	7	adopting	adopt	VERB
ctmj-139	124	8	and	and	CCONJ
ctmj-139	124	9	implementing	implement	VERB
ctmj-139	124	10	costly	costly	ADJ
ctmj-139	124	11	global	global	ADJ
ctmj-139	124	12	technology	technology	NOUN
ctmj-139	124	13	,	,	PUNCT
ctmj-139	124	14	infrastructure	infrastructure	NOUN
ctmj-139	124	15	,	,	PUNCT
ctmj-139	124	16	and	and	CCONJ
ctmj-139	124	17	procedures	procedure	NOUN
ctmj-139	124	18	.	.	PUNCT
ctmj-139	125	1	references	reference	NOUN
ctmj-139	125	2	1	1	NUM
ctmj-139	125	3	.	.	PUNCT
ctmj-139	126	1	hussein	hussein	PROPN
ctmj-139	126	2	m	m	VERB
ctmj-139	126	3	―hiring	―hire	VERB
ctmj-139	126	4	and	and	CCONJ
ctmj-139	126	5	firing	fire	VERB
ctmj-139	126	6	with	with	ADP
ctmj-139	126	7	ethics‖	ethics‖	PROPN
ctmj-139	126	8	,	,	PUNCT
ctmj-139	126	9	hum	hum	ADJ
ctmj-139	126	10	.	.	PUNCT
ctmj-139	127	1	resourc	resourc	NOUN
ctmj-139	127	2	.	.	PUNCT
ctmj-139	128	1	manage	manage	VERB
ctmj-139	128	2	.	.	PUNCT
ctmj-139	129	1	digest	digest	VERB
ctmj-139	129	2	17	17	NUM
ctmj-139	129	3	(	(	PUNCT
ctmj-139	129	4	4	4	NUM
ctmj-139	129	5	)	)	PUNCT
ctmj-139	129	6	;	;	PUNCT
ctmj-139	130	1	37	37	NUM
ctmj-139	130	2	-	-	SYM
ctmj-139	130	3	40	40	NUM
ctmj-139	130	4	2	2	NUM
ctmj-139	130	5	.	.	PUNCT
ctmj-139	130	6	cheloha	cheloha	PROPN
ctmj-139	130	7	,	,	PUNCT
ctmj-139	130	8	r.	r.	PROPN
ctmj-139	130	9	,	,	PUNCT
ctmj-139	130	10	&	&	CCONJ
ctmj-139	130	11	swain	swain	PROPN
ctmj-139	130	12	,	,	PUNCT
ctmj-139	130	13	j.	j.	PROPN
ctmj-139	130	14	"	"	PUNCT
ctmj-139	130	15	talent	talent	NOUN
ctmj-139	130	16	management	management	NOUN
ctmj-139	130	17	system	system	NOUN
ctmj-139	130	18	key	key	ADJ
ctmj-139	130	19	to	to	ADP
ctmj-139	130	20	effective	effective	ADJ
ctmj-139	130	21	succession	succession	NOUN
ctmj-139	130	22	planning	planning	NOUN
ctmj-139	130	23	"	"	PUNCT
ctmj-139	130	24	.	.	PUNCT
ctmj-139	131	1	canadian	canadian	PROPN
ctmj-139	131	2	hr	hr	PROPN
ctmj-139	131	3	reporter	reporter	NOUN
ctmj-139	131	4	,	,	PUNCT
ctmj-139	131	5	vol.18	vol.18	NOUN
ctmj-139	131	6	,	,	PUNCT
ctmj-139	131	7	no.17	no.17	PROPN
ctmj-139	131	8	,	,	PUNCT
ctmj-139	131	9	pp.5	pp.5	NOUN
ctmj-139	131	10	-	-	PUNCT
ctmj-139	131	11	7	7	NUM
ctmj-139	131	12	.	.	NOUN
ctmj-139	131	13	3	3	NUM
ctmj-139	131	14	.	.	PUNCT
ctmj-139	131	15	robert	robert	PROPN
ctmj-139	131	16	j	j	PROPN
ctmj-139	131	17	vance	vance	PROPN
ctmj-139	131	18	employee	employee	NOUN
ctmj-139	131	19	engagement	engagement	NOUN
ctmj-139	131	20	and	and	CCONJ
ctmj-139	131	21	commitment	commitment	NOUN
ctmj-139	131	22	,	,	PUNCT
ctmj-139	131	23	a	a	DET
ctmj-139	131	24	guide	guide	NOUN
ctmj-139	131	25	to	to	ADP
ctmj-139	131	26	understanding	understanding	NOUN
ctmj-139	131	27	,	,	PUNCT
ctmj-139	131	28	measuring	measure	VERB
ctmj-139	131	29	and	and	CCONJ
ctmj-139	131	30	increasing	increase	VERB
ctmj-139	131	31	engagement	engagement	NOUN
ctmj-139	131	32	in	in	ADP
ctmj-139	131	33	your	your	PRON
ctmj-139	131	34	organisation	organisation	NOUN
ctmj-139	131	35	,	,	PUNCT
ctmj-139	131	36	a	a	DET
ctmj-139	131	37	shrm	shrm	PROPN
ctmj-139	131	38	foundation	foundation	PROPN
ctmj-139	131	39	publication	publication	NOUN
ctmj-139	131	40	4	4	NUM
ctmj-139	131	41	.	.	PUNCT
ctmj-139	131	42	https://www.businessstandard.com/company/karur-vysyabank-2722/news	https://www.businessstandard.com/company/karur-vysyabank-2722/new	VERB
ctmj-139	131	43	5	5	NUM
ctmj-139	131	44	.	.	PUNCT
ctmj-139	131	45	https://economictimes.indiatimes.c	https://economictimes.indiatimes.c	PROPN
ctmj-139	131	46	om	om	PROPN
ctmj-139	131	47	/	/	SYM
ctmj-139	131	48	karur	karur	PROPN
ctmj-139	131	49	-	-	PUNCT
ctmj-139	131	50	vysya	vysya	PROPN
ctmj-139	131	51	-	-	PUNCT
ctmj-139	131	52	bankltd	bankltd	NOUN
ctmj-139	131	53	/	/	SYM
ctmj-139	131	54	stocksupdate	stocksupdate	NOUN
ctmj-139	131	55	/	/	SYM
ctmj-139	131	56	companyid	companyid	NOUN
ctmj-139	131	57	12258.cms	12258.cms	NUM
ctmj-139	131	58	https://www.business-standard.com/company/karur-vysya-bank-2722/news	https://www.business-standard.com/company/karur-vysya-bank-2722/news	NOUN
ctmj-139	131	59	https://www.business-standard.com/company/karur-vysya-bank-2722/news	https://www.business-standard.com/company/karur-vysya-bank-2722/news	NOUN
ctmj-139	131	60	https://www.business-standard.com/company/karur-vysya-bank-2722/news	https://www.business-standard.com/company/karur-vysya-bank-2722/news	NOUN
ctmj-139	131	61	https://economictimes.indiatimes.com/karur-vysya-bank-ltd/stocksupdate/companyid-12258.cms	https://economictimes.indiatimes.com/karur-vysya-bank-ltd/stocksupdate/companyid-12258.cms	PROPN
ctmj-139	131	62	https://economictimes.indiatimes.com/karur-vysya-bank-ltd/stocksupdate/companyid-12258.cms	https://economictimes.indiatimes.com/karur-vysya-bank-ltd/stocksupdate/companyid-12258.cms	PROPN
ctmj-139	131	63	https://economictimes.indiatimes.com/karur-vysya-bank-ltd/stocksupdate/companyid-12258.cms	https://economictimes.indiatimes.com/karur-vysya-bank-ltd/stocksupdate/companyid-12258.cms	PROPN
ctmj-139	131	64	https://economictimes.indiatimes.com/karur-vysya-bank-ltd/stocksupdate/companyid-12258.cms	https://economictimes.indiatimes.com/karur-vysya-bank-ltd/stocksupdate/companyid-12258.cms	PROPN