id	sid	eid	entity	type
cjfa-12569	1	1	copernican journal of finance & accounting e-issn 2300-3065	ORG
cjfa-12569	1	2	2300-12402016	DATE
cjfa-12569	1	3	5	CARDINAL
cjfa-12569	1	4	2 date	DATE
cjfa-12569	1	5	december 14, 2016	DATE
cjfa-12569	1	6	january 23, 2017	DATE
cjfa-12569	2	1	anna.piotrowska@wsb.torun.pl	ORG
cjfa-12569	2	2	wsb university	ORG
cjfa-12569	2	3	toruń	GPE
cjfa-12569	2	4	87	CARDINAL
cjfa-12569	2	5	poland	GPE
cjfa-12569	2	6	660	CARDINAL
cjfa-12569	3	1	piotrowska	GPE
cjfa-12569	3	2	a.	PERSON
cjfa-12569	3	3	2016	DATE
cjfa-12569	4	1	poland	GPE
cjfa-12569	4	2	5(2	CARDINAL
cjfa-12569	4	3	201–217	CARDINAL
cjfa-12569	5	1	anna	PERSON
cjfa-12569	5	2	piotrowska* wsb university	ORG
cjfa-12569	5	3	poland	GPE
cjfa-12569	6	1	j e l	PERSON
cjfa-12569	7	1	poland	GPE
cjfa-12569	8	1	the recent years	DATE
cjfa-12569	10	1	poland	GPE
cjfa-12569	11	1	poland	GPE
cjfa-12569	12	1	poland	GPE
cjfa-12569	13	1	poland	GPE
cjfa-12569	15	1	anna iwona	PERSON
cjfa-12569	15	2	10 years	DATE
cjfa-12569	15	3	poland	GPE
cjfa-12569	15	4	polasik & piotrowski	ORG
cjfa-12569	15	5	2016	DATE
cjfa-12569	15	6	świecka	ORG
cjfa-12569	15	7	2015	DATE
cjfa-12569	15	8	& klimontowicz	FAC
cjfa-12569	15	9	2013	DATE
cjfa-12569	16	1	poland	GPE
cjfa-12569	17	1	polish	NORP
cjfa-12569	17	2	first	ORDINAL
cjfa-12569	17	3	europe	LOC
cjfa-12569	17	4	2014	DATE
cjfa-12569	18	1	poland	GPE
cjfa-12569	22	1	poland	GPE
cjfa-12569	22	2	2013	DATE
cjfa-12569	22	3	15	CARDINAL
cjfa-12569	23	1	the recent years	DATE
cjfa-12569	23	2	2015	DATE
cjfa-12569	24	1	the international research agency	ORG
cjfa-12569	24	2	the royal bank of	ORG
cjfa-12569	24	3	scotland	GPE
cjfa-12569	24	4	one	CARDINAL
cjfa-12569	24	5	four	CARDINAL
cjfa-12569	24	6	payments2	ORG
cjfa-12569	25	1	around 10%	PERCENT
cjfa-12569	25	2	0.01%	PERCENT
cjfa-12569	27	1	2015	DATE
cjfa-12569	27	2	16–17	CARDINAL
cjfa-12569	28	1	1	CARDINAL
cjfa-12569	29	1	2	CARDINAL
cjfa-12569	30	1	203	CARDINAL
cjfa-12569	31	1	the several years	DATE
cjfa-12569	33	1	polish	NORP
cjfa-12569	33	2	poland	GPE
cjfa-12569	34	1	poland	GPE
cjfa-12569	36	1	2008	DATE
cjfa-12569	36	2	2008)3	CARDINAL
cjfa-12569	37	1	badev & chen,	ORG
cjfa-12569	37	2	2014	DATE
cjfa-12569	37	3	2	CARDINAL
cjfa-12569	38	1	a. sieroń	PERSON
cjfa-12569	38	2	2013	DATE
cjfa-12569	38	3	32	CARDINAL
cjfa-12569	39	1	l.p	GPE
cjfa-12569	39	2	nian	NORP
cjfa-12569	40	1	chuen	PERSON
cjfa-12569	40	2	nian & chuen	ORG
cjfa-12569	40	3	2015	DATE
cjfa-12569	40	4	14	CARDINAL
cjfa-12569	41	1	e. grover	PERSON
cjfa-12569	41	2	2014	DATE
cjfa-12569	41	3	39	CARDINAL
cjfa-12569	42	1	j. brito	PERSON
cjfa-12569	42	2	a. castillo	PERSON
cjfa-12569	42	3	first	ORDINAL
cjfa-12569	42	4	3	CARDINAL
cjfa-12569	43	1	w. dai	PERSON
cjfa-12569	43	2	n. szabo	PERSON
cjfa-12569	43	3	h. finney	PERSON
cjfa-12569	44	1	four	CARDINAL
cjfa-12569	44	2	samsung	ORG
cjfa-12569	44	3	toshiba	ORG
cjfa-12569	44	4	nakamichi	ORG
cjfa-12569	44	5	motorola	ORG
cjfa-12569	45	1	26.08.2016	TIME
cjfa-12569	45	2	nian	NORP
cjfa-12569	45	3	l.p.	GPE
cjfa-12569	45	4	chuen	PERSON
cjfa-12569	45	5	d.l.k	ORG
cjfa-12569	46	1	2015	CARDINAL
cjfa-12569	48	1	l.k. chuen	PERSON
cjfa-12569	48	2	ed	PERSON
cjfa-12569	49	1	11	CARDINAL
cjfa-12569	50	1	anna iwona	PERSON
cjfa-12569	50	2	first	ORDINAL
cjfa-12569	50	3	brito & castillo	ORG
cjfa-12569	50	4	2016	DATE
cjfa-12569	51	1	1	CARDINAL
cjfa-12569	51	2	5	CARDINAL
cjfa-12569	52	1	thirty years	DATE
cjfa-12569	52	2	franco	PERSON
cjfa-12569	52	3	2015	DATE
cjfa-12569	52	4	161	CARDINAL
cjfa-12569	52	5	2012	DATE
cjfa-12569	52	6	39	CARDINAL
cjfa-12569	52	7	moore	ORG
cjfa-12569	52	8	2013	DATE
cjfa-12569	52	9	147	CARDINAL
cjfa-12569	53	1	2015	DATE
cjfa-12569	53	2	2013	DATE
cjfa-12569	53	3	european central bank	ORG
cjfa-12569	53	4	2012	DATE
cjfa-12569	53	5	2016	DATE
cjfa-12569	53	6	naik	PERSON
cjfa-12569	53	7	2014	DATE
cjfa-12569	53	8	vasek	GPE
cjfa-12569	53	9	thornton	PERSON
cjfa-12569	53	10	moore	PERSON
cjfa-12569	53	11	2014	DATE
cjfa-12569	53	12	ober	ORG
cjfa-12569	53	13	katzenbeisser	ORG
cjfa-12569	53	14	2013	DATE
cjfa-12569	53	15	baek & elbeck	ORG
cjfa-12569	53	16	2015	DATE
cjfa-12569	53	17	2015	DATE
cjfa-12569	53	18	li & wang	ORG
cjfa-12569	53	19	2016	DATE
cjfa-12569	53	20	polasik	ORG
cjfa-12569	53	21	piotrowska	GPE
cjfa-12569	53	22	wiśniewski	GPE
cjfa-12569	53	23	kotkowski	PERSON
cjfa-12569	53	24	lightfoot	PERSON
cjfa-12569	53	25	2015	DATE
cjfa-12569	55	1	polish	NORP
cjfa-12569	56	1	poland	GPE
cjfa-12569	57	1	the polish bank association	ORG
cjfa-12569	57	2	between june and december 2014	DATE
cjfa-12569	57	3	the warsaw institute of banking	ORG
cjfa-12569	58	1	„rozwój przez innowacje czy efekt skali	PRODUCT
cjfa-12569	59	1	badanie	PERSON
cjfa-12569	59	2	polskiego systemu płatniczego	ORG
cjfa-12569	59	3	4	CARDINAL
cjfa-12569	60	1	develop4	PERSON
cjfa-12569	60	2	michał polasik ph.d	PERSON
cjfa-12569	61	1	natalia kumkowska	PERSON
cjfa-12569	62	1	lech kurkliński	ORG
cjfa-12569	62	2	ph.d	ORG
cjfa-12569	62	3	paweł widawski	PERSON
cjfa-12569	62	4	ph.d	ORG
cjfa-12569	63	1	the polish bank association	ORG
cjfa-12569	64	1	205 ment	QUANTITY
cjfa-12569	65	1	one	CARDINAL
cjfa-12569	69	1	poland	GPE
cjfa-12569	69	2	the national bank of poland	ORG
cjfa-12569	69	3	the polish bank association	ORG
cjfa-12569	70	1	the polish bank association	ORG
cjfa-12569	71	1	470	CARDINAL
cjfa-12569	71	2	the council of bank	ORG
cjfa-12569	71	3	sepa poland	ORG
cjfa-12569	73	1	70	CARDINAL
cjfa-12569	73	2	poland	GPE
cjfa-12569	75	1	5	CARDINAL
cjfa-12569	75	2	polasik	PERSON
cjfa-12569	75	3	m.	PERSON
cjfa-12569	75	4	piotrowska	GPE
cjfa-12569	75	5	a.i.	GPE
cjfa-12569	75	6	kumkowska	GPE
cjfa-12569	75	7	2015	DATE
cjfa-12569	76	1	rozwój przez innowacje czy efekt skali	ORG
cjfa-12569	77	1	badanie	PERSON
cjfa-12569	77	2	polskiego system płatniczego	ORG
cjfa-12569	77	3	warsaw institute of banking	ORG
cjfa-12569	77	4	warsaw	GPE
cjfa-12569	78	1	anna iwona	PERSON
cjfa-12569	78	2	piotrowska206	ORG
cjfa-12569	78	3	1	CARDINAL
cjfa-12569	79	1	poland	GPE
cjfa-12569	79	2	the national bank of poland	ORG
cjfa-12569	79	3	the polish bank association	ORG
cjfa-12569	80	1	the polish bank association	ORG
cjfa-12569	81	1	470	CARDINAL
cjfa-12569	81	2	the council of bank	ORG
cjfa-12569	81	3	sepa poland	ORG
cjfa-12569	83	1	70	CARDINAL
cjfa-12569	83	2	poland	GPE
cjfa-12569	85	1	1	CARDINAL
cjfa-12569	86	1	poland	GPE
cjfa-12569	86	2	n=70	GPE
cjfa-12569	87	1	1	CARDINAL
cjfa-12569	89	1	2	CARDINAL
cjfa-12569	89	2	29%	PERCENT
cjfa-12569	89	3	19%	PERCENT
cjfa-12569	89	4	16%	PERCENT
cjfa-12569	89	5	9%	PERCENT
cjfa-12569	89	6	9%	PERCENT
cjfa-12569	89	7	7%	PERCENT
cjfa-12569	89	8	7%	PERCENT
cjfa-12569	89	9	6%	PERCENT
cjfa-12569	89	10	o	DATE
cjfa-12569	89	11	poland	GPE
cjfa-12569	89	12	n=70	GPE
cjfa-12569	90	1	1	CARDINAL
cjfa-12569	92	1	2	CARDINAL
cjfa-12569	92	2	poland	GPE
cjfa-12569	92	3	n=70	GPE
cjfa-12569	92	4	2	CARDINAL
cjfa-12569	93	1	poland	GPE
cjfa-12569	94	1	almost 40%	PERCENT
cjfa-12569	95	1	five	CARDINAL
cjfa-12569	95	2	poland	GPE
cjfa-12569	95	3	2014	DATE
cjfa-12569	95	4	50	CARDINAL
cjfa-12569	95	5	2015	DATE
cjfa-12569	96	1	23%	PERCENT
cjfa-12569	96	2	17%	PERCENT
cjfa-12569	100	1	poland	GPE
cjfa-12569	101	1	polish	NORP
cjfa-12569	101	2	the years 2015 and	DATE
cjfa-12569	101	3	2020	DATE
cjfa-12569	102	1	one	CARDINAL
cjfa-12569	104	1	3	CARDINAL
cjfa-12569	104	2	two	CARDINAL
cjfa-12569	104	3	39%	PERCENT
cjfa-12569	104	4	23%	PERCENT
cjfa-12569	104	5	17%	PERCENT
cjfa-12569	104	6	9%	PERCENT
cjfa-12569	104	7	9%	PERCENT
cjfa-12569	104	8	4%	PERCENT
cjfa-12569	105	1	poland	GPE
cjfa-12569	106	1	207	CARDINAL
cjfa-12569	106	2	2	CARDINAL
cjfa-12569	107	1	poland	GPE
cjfa-12569	108	1	almost 40%	PERCENT
cjfa-12569	109	1	five	CARDINAL
cjfa-12569	109	2	poland	GPE
cjfa-12569	109	3	2014	DATE
cjfa-12569	109	4	50	CARDINAL
cjfa-12569	109	5	2015	DATE
cjfa-12569	110	1	23%	PERCENT
cjfa-12569	110	2	17%	PERCENT
cjfa-12569	114	1	poland	GPE
cjfa-12569	115	1	polish	NORP
cjfa-12569	115	2	the years 2015 and	DATE
cjfa-12569	115	3	2020	DATE
cjfa-12569	116	1	one	CARDINAL
cjfa-12569	118	1	3	CARDINAL
cjfa-12569	118	2	two	CARDINAL
cjfa-12569	120	1	anna iwona piotrowska208	PERSON
cjfa-12569	120	2	3	CARDINAL
cjfa-12569	121	1	polish	NORP
cjfa-12569	121	2	the years 2015	DATE
cjfa-12569	121	3	2020	DATE
cjfa-12569	123	1	3	CARDINAL
cjfa-12569	124	1	polish	NORP
cjfa-12569	124	2	the years 2015	DATE
cjfa-12569	124	3	2020	DATE
cjfa-12569	124	4	poland	GPE
cjfa-12569	124	5	5	CARDINAL
cjfa-12569	124	6	n=67-68	ORG
cjfa-12569	125	1	2015	CARDINAL
cjfa-12569	125	2	poland	GPE
cjfa-12569	125	3	3	CARDINAL
cjfa-12569	126	1	poland	GPE
cjfa-12569	127	1	as many as	CARDINAL
cjfa-12569	129	1	76%	PERCENT
cjfa-12569	129	2	54%	PERCENT
cjfa-12569	129	3	44%	PERCENT
cjfa-12569	129	4	41%	PERCENT
cjfa-12569	129	5	34%	PERCENT
cjfa-12569	129	6	34%	PERCENT
cjfa-12569	129	7	29%	PERCENT
cjfa-12569	129	8	26%	PERCENT
cjfa-12569	129	9	25%	PERCENT
cjfa-12569	129	10	25%	PERCENT
cjfa-12569	129	11	24%	PERCENT
cjfa-12569	129	12	18%	PERCENT
cjfa-12569	129	13	10%	PERCENT
cjfa-12569	129	14	9%	PERCENT
cjfa-12569	129	15	9%	PERCENT
cjfa-12569	129	16	1%	PERCENT
cjfa-12569	129	17	9%	PERCENT
cjfa-12569	129	18	34%	PERCENT
cjfa-12569	129	19	37%	PERCENT
cjfa-12569	129	20	36%	PERCENT
cjfa-12569	129	21	52%	PERCENT
cjfa-12569	129	22	27%	PERCENT
cjfa-12569	129	23	16%	PERCENT
cjfa-12569	129	24	24%	PERCENT
cjfa-12569	129	25	46%	PERCENT
cjfa-12569	129	26	31%	PERCENT
cjfa-12569	129	27	55%	PERCENT
cjfa-12569	129	28	25%	PERCENT
cjfa-12569	129	29	16%	PERCENT
cjfa-12569	129	30	13%	PERCENT
cjfa-12569	129	31	6%	PERCENT
cjfa-12569	129	32	30%	PERCENT
cjfa-12569	129	33	poland	GPE
cjfa-12569	129	34	5	CARDINAL
cjfa-12569	130	1	2015	CARDINAL
cjfa-12569	130	2	poland	GPE
cjfa-12569	130	3	3	CARDINAL
cjfa-12569	131	1	poland	GPE
cjfa-12569	132	1	as many as	CARDINAL
cjfa-12569	134	1	2013	DATE
cjfa-12569	136	1	second	ORDINAL
cjfa-12569	136	2	more than 50%	PERCENT
cjfa-12569	136	3	3	CARDINAL
cjfa-12569	137	1	209	CARDINAL
cjfa-12569	139	1	payments6	PERSON
cjfa-12569	139	2	25%	PERCENT
cjfa-12569	139	3	25%	PERCENT
cjfa-12569	140	1	polish	NORP
cjfa-12569	140	2	the ministry of treasury	ORG
cjfa-12569	140	3	2014	DATE
cjfa-12569	140	4	mikowska	ORG
cjfa-12569	140	5	2015	DATE
cjfa-12569	141	1	polish	NORP
cjfa-12569	141	2	3	CARDINAL
cjfa-12569	142	1	as many as	CARDINAL
cjfa-12569	142	2	polish	NORP
cjfa-12569	142	3	2020	DATE
cjfa-12569	143	1	2020	DATE
cjfa-12569	144	1	the year 2020	DATE
cjfa-12569	145	1	2020	DATE
cjfa-12569	146	1	one	CARDINAL
cjfa-12569	146	2	over 50%	PERCENT
cjfa-12569	148	1	four	CARDINAL
cjfa-12569	149	1	1 to 5	CARDINAL
cjfa-12569	149	2	1	CARDINAL
cjfa-12569	149	3	5	CARDINAL
cjfa-12569	149	4	two	CARDINAL
cjfa-12569	149	5	the years 2015 and	DATE
cjfa-12569	149	6	2020	DATE
cjfa-12569	150	1	6	CARDINAL
cjfa-12569	151	1	anna iwona	PERSON
cjfa-12569	151	2	4	CARDINAL
cjfa-12569	151	3	5	CARDINAL
cjfa-12569	153	1	4	CARDINAL
cjfa-12569	153	2	2015	CARDINAL
cjfa-12569	153	3	1 to 5	CARDINAL
cjfa-12569	153	4	1	CARDINAL
cjfa-12569	153	5	5	CARDINAL
cjfa-12569	153	6	two	CARDINAL
cjfa-12569	153	7	the years 2015 and	DATE
cjfa-12569	153	8	2020	DATE
cjfa-12569	154	1	4	CARDINAL
cjfa-12569	154	2	5	CARDINAL
cjfa-12569	156	1	4	CARDINAL
cjfa-12569	156	2	2015	CARDINAL
cjfa-12569	156	3	nfc mobile	ORG
cjfa-12569	156	4	n=67	ORG
cjfa-12569	156	5	one	CARDINAL
cjfa-12569	156	6	one	CARDINAL
cjfa-12569	156	7	up to 100%	PERCENT
cjfa-12569	157	1	3%	PERCENT
cjfa-12569	157	2	3%	PERCENT
cjfa-12569	157	3	20%	PERCENT
cjfa-12569	157	4	35%	PERCENT
cjfa-12569	157	5	39%	PERCENT
cjfa-12569	157	6	2%	PERCENT
cjfa-12569	157	7	8%	PERCENT
cjfa-12569	157	8	12%	PERCENT
cjfa-12569	157	9	24%	PERCENT
cjfa-12569	157	10	55%	PERCENT
cjfa-12569	157	11	3%3%	PERCENT
cjfa-12569	157	12	11%	PERCENT
cjfa-12569	157	13	83%	PERCENT
cjfa-12569	157	14	40%	PERCENT
cjfa-12569	157	15	31%	PERCENT
cjfa-12569	157	16	22%	PERCENT
cjfa-12569	157	17	4%	PERCENT
cjfa-12569	157	18	1%	PERCENT
cjfa-12569	157	19	25%	PERCENT
cjfa-12569	157	20	19%	PERCENT
cjfa-12569	157	21	19%	PERCENT
cjfa-12569	157	22	22%	PERCENT
cjfa-12569	157	23	13%	PERCENT
cjfa-12569	157	24	1%1%	PERCENT
cjfa-12569	157	25	9%	PERCENT
cjfa-12569	157	26	88%	PERCENT
cjfa-12569	157	27	15%	PERCENT
cjfa-12569	157	28	25%	PERCENT
cjfa-12569	157	29	19%	PERCENT
cjfa-12569	157	30	40%	PERCENT
cjfa-12569	157	31	5%	PERCENT
cjfa-12569	157	32	8%	PERCENT
cjfa-12569	157	33	14%	PERCENT
cjfa-12569	157	34	33%	PERCENT
cjfa-12569	157	35	41%	PERCENT
cjfa-12569	157	36	3%	PERCENT
cjfa-12569	157	37	5%	PERCENT
cjfa-12569	157	38	92%	PERCENT
cjfa-12569	157	39	6%	PERCENT
cjfa-12569	157	40	8%	PERCENT
cjfa-12569	157	41	17%	PERCENT
cjfa-12569	157	42	31%	PERCENT
cjfa-12569	157	43	38%	PERCENT
cjfa-12569	157	44	3%	PERCENT
cjfa-12569	157	45	2%	PERCENT
cjfa-12569	157	46	12%	PERCENT
cjfa-12569	157	47	34%	PERCENT
cjfa-12569	157	48	49%	PERCENT
cjfa-12569	157	49	2%	PERCENT
cjfa-12569	157	50	2%	PERCENT
cjfa-12569	157	51	8%	PERCENT
cjfa-12569	157	52	89%	PERCENT
cjfa-12569	157	53	5	CARDINAL
cjfa-12569	157	54	4	CARDINAL
cjfa-12569	157	55	up to 100%	PERCENT
cjfa-12569	158	1	o	DATE
cjfa-12569	158	2	poland	GPE
cjfa-12569	159	1	211	CARDINAL
cjfa-12569	159	2	the year 2015	DATE
cjfa-12569	159	3	4	CARDINAL
cjfa-12569	162	1	4	CARDINAL
cjfa-12569	164	1	6%	PERCENT
cjfa-12569	164	2	poland	GPE
cjfa-12569	165	1	basis7	ORG
cjfa-12569	167	1	2015	CARDINAL
cjfa-12569	168	1	poland	GPE
cjfa-12569	168	2	2015	CARDINAL
cjfa-12569	168	3	4	CARDINAL
cjfa-12569	170	1	poland	GPE
cjfa-12569	171	1	2015	CARDINAL
cjfa-12569	171	2	4	CARDINAL
cjfa-12569	172	1	the year 2020	DATE
cjfa-12569	172	2	5	CARDINAL
cjfa-12569	173	1	7	CARDINAL
cjfa-12569	173	2	poland	GPE
cjfa-12569	173	3	11.07.2016	CARDINAL
cjfa-12569	174	1	anna iwona	PERSON
cjfa-12569	174	2	the year 2015	DATE
cjfa-12569	176	1	5	CARDINAL
cjfa-12569	176	2	2020	DATE
cjfa-12569	176	3	the year 2015	DATE
cjfa-12569	178	1	5	CARDINAL
cjfa-12569	178	2	2020	DATE
cjfa-12569	178	3	up to 100%	PERCENT
cjfa-12569	179	1	poland	GPE
cjfa-12569	180	1	13%	PERCENT
cjfa-12569	180	2	47%	PERCENT
cjfa-12569	180	3	22%	PERCENT
cjfa-12569	180	4	11%	PERCENT
cjfa-12569	180	5	8%	PERCENT
cjfa-12569	180	6	8%	PERCENT
cjfa-12569	180	7	28%	PERCENT
cjfa-12569	180	8	23%	PERCENT
cjfa-12569	180	9	17%	PERCENT
cjfa-12569	180	10	23%	PERCENT
cjfa-12569	180	11	2%6%	PERCENT
cjfa-12569	180	12	14%	PERCENT
cjfa-12569	180	13	31%	PERCENT
cjfa-12569	180	14	47%	PERCENT
cjfa-12569	180	15	21%	PERCENT
cjfa-12569	180	16	32%	PERCENT
cjfa-12569	180	17	27%	PERCENT
cjfa-12569	180	18	15%	PERCENT
cjfa-12569	180	19	5%	PERCENT
cjfa-12569	180	20	17%	PERCENT
cjfa-12569	180	21	25%	PERCENT
cjfa-12569	180	22	26%	PERCENT
cjfa-12569	180	23	23%	PERCENT
cjfa-12569	180	24	9%	PERCENT
cjfa-12569	180	25	3%	PERCENT
cjfa-12569	180	26	9%	PERCENT
cjfa-12569	180	27	11%	PERCENT
cjfa-12569	180	28	22%	PERCENT
cjfa-12569	180	29	55%	PERCENT
cjfa-12569	180	30	16%	PERCENT
cjfa-12569	180	31	34%	PERCENT
cjfa-12569	180	32	31%	PERCENT
cjfa-12569	180	33	14%	PERCENT
cjfa-12569	180	34	5%	PERCENT
cjfa-12569	180	35	6%	PERCENT
cjfa-12569	180	36	31%	PERCENT
cjfa-12569	180	37	34%	PERCENT
cjfa-12569	180	38	15%	PERCENT
cjfa-12569	180	39	14%	PERCENT
cjfa-12569	180	40	2%	PERCENT
cjfa-12569	180	41	6%	PERCENT
cjfa-12569	180	42	13%	PERCENT
cjfa-12569	180	43	27%	PERCENT
cjfa-12569	180	44	53%	PERCENT
cjfa-12569	180	45	22%	PERCENT
cjfa-12569	180	46	9%	PERCENT
cjfa-12569	180	47	42%	PERCENT
cjfa-12569	180	48	19%	PERCENT
cjfa-12569	180	49	8%	PERCENT
cjfa-12569	180	50	16%	PERCENT
cjfa-12569	180	51	16%	PERCENT
cjfa-12569	180	52	30%	PERCENT
cjfa-12569	180	53	19%	PERCENT
cjfa-12569	180	54	20%	PERCENT
cjfa-12569	180	55	2%	PERCENT
cjfa-12569	180	56	19%	PERCENT
cjfa-12569	180	57	22%	PERCENT
cjfa-12569	180	58	58%	PERCENT
cjfa-12569	180	59	5	CARDINAL
cjfa-12569	180	60	4	CARDINAL
cjfa-12569	180	61	up to 100%	PERCENT
cjfa-12569	181	1	o	DATE
cjfa-12569	181	2	poland	GPE
cjfa-12569	182	1	213	CARDINAL
cjfa-12569	182	2	2020	DATE
cjfa-12569	182	3	the year 2015	DATE
cjfa-12569	182	4	5	CARDINAL
cjfa-12569	183	1	associations8	PERSON
cjfa-12569	184	1	53%	PERCENT
cjfa-12569	184	2	5	CARDINAL
cjfa-12569	184	3	4	CARDINAL
cjfa-12569	184	4	aggregators9	PERSON
cjfa-12569	185	1	42%	PERCENT
cjfa-12569	188	1	12%	PERCENT
cjfa-12569	188	2	5	CARDINAL
cjfa-12569	188	3	4	CARDINAL
cjfa-12569	190	1	the year 2020	DATE
cjfa-12569	190	2	5	CARDINAL
cjfa-12569	191	1	8%	PERCENT
cjfa-12569	191	2	5	CARDINAL
cjfa-12569	191	3	2015	CARDINAL
cjfa-12569	193	1	2020	DATE
cjfa-12569	193	2	5	CARDINAL
cjfa-12569	193	3	only 2%	PERCENT
cjfa-12569	193	4	4	CARDINAL
cjfa-12569	197	1	2020	DATE
cjfa-12569	198	1	6	CARDINAL
cjfa-12569	199	1	8	CARDINAL
cjfa-12569	199	2	masterpass	PERSON
cjfa-12569	200	1	9	CARDINAL
cjfa-12569	200	2	poland	GPE
cjfa-12569	200	3	paypal	ORG
cjfa-12569	201	1	anna iwona	PERSON
cjfa-12569	202	1	only 26%	PERCENT
cjfa-12569	205	1	almost half	CARDINAL
cjfa-12569	206	1	an additional 18%	PERCENT
cjfa-12569	206	2	up to 64%	PERCENT
cjfa-12569	208	1	paypal	ORG
cjfa-12569	210	1	6	CARDINAL
cjfa-12569	210	2	poland	GPE
cjfa-12569	210	3	the year 2020	DATE
cjfa-12569	210	4	2020	DATE
cjfa-12569	210	5	the year 2015	DATE
cjfa-12569	210	6	5	CARDINAL
cjfa-12569	211	1	associations8	PERSON
cjfa-12569	212	1	53%	PERCENT
cjfa-12569	212	2	5	CARDINAL
cjfa-12569	212	3	4	CARDINAL
cjfa-12569	212	4	aggregators9	PERSON
cjfa-12569	213	1	42%	PERCENT
cjfa-12569	216	1	12%	PERCENT
cjfa-12569	216	2	5	CARDINAL
cjfa-12569	216	3	4	CARDINAL
cjfa-12569	218	1	the year 2020	DATE
cjfa-12569	218	2	5	CARDINAL
cjfa-12569	219	1	8%	PERCENT
cjfa-12569	219	2	5	CARDINAL
cjfa-12569	219	3	2015	CARDINAL
cjfa-12569	221	1	2020	DATE
cjfa-12569	221	2	5	CARDINAL
cjfa-12569	221	3	only 2%	PERCENT
cjfa-12569	221	4	4	CARDINAL
cjfa-12569	222	1	6	CARDINAL
cjfa-12569	222	2	poland	GPE
cjfa-12569	222	3	the year 2020 8	DATE
cjfa-12569	222	4	masterpass	PERSON
cjfa-12569	223	1	9	CARDINAL
cjfa-12569	223	2	poland	GPE
cjfa-12569	223	3	paypal	ORG
cjfa-12569	224	1	46%	PERCENT
cjfa-12569	224	2	26%	PERCENT
cjfa-12569	224	3	18%	PERCENT
cjfa-12569	224	4	6%	PERCENT
cjfa-12569	224	5	3%	PERCENT
cjfa-12569	224	6	0%	PERCENT
cjfa-12569	224	7	poland	GPE
cjfa-12569	224	8	n=65	PERSON
cjfa-12569	224	9	10	CARDINAL
cjfa-12569	224	10	one	CARDINAL
cjfa-12569	224	11	polish	NORP
cjfa-12569	225	1	may 2016	DATE
cjfa-12569	226	1	26.07.2016	CARDINAL
cjfa-12569	227	1	215	CARDINAL
cjfa-12569	228	1	poland	GPE
cjfa-12569	228	2	the year 2020	DATE
cjfa-12569	232	1	the year 2020	DATE
cjfa-12569	233	1	poland	GPE
cjfa-12569	237	1	a. & chen	ORG
cjfa-12569	237	2	2014	DATE
cjfa-12569	239	1	research & statistics	ORG
cjfa-12569	239	2	federal reserve board	ORG
cjfa-12569	239	3	washington	GPE
cjfa-12569	240	1	11	CARDINAL
cjfa-12569	240	2	2016	DATE
cjfa-12569	240	3	the ministry of digital affairs	ORG
cjfa-12569	240	4	poland	GPE
cjfa-12569	241	1	https://mc.gov.pl/projekty/od-papierowej-do-cyfrowej-polski/strumien-blockchain-i-kryptowaluty (20.01.2017	EVENT
cjfa-12569	242	1	anna iwona piotrowska216 baek	PERSON
cjfa-12569	242	2	c., & elbeck	ORG
cjfa-12569	242	3	m. (	PERSON
cjfa-12569	242	4	2015	DATE
cjfa-12569	244	1	first	ORDINAL
cjfa-12569	245	1	22(1	TIME
cjfa-12569	245	2	30–34	CARDINAL
cjfa-12569	247	1	barber	PERSON
cjfa-12569	247	2	s.	GPE
cjfa-12569	247	3	x.	GPE
cjfa-12569	247	4	shi	PERSON
cjfa-12569	247	5	e., & uzun	ORG
cjfa-12569	247	6	2012	DATE
cjfa-12569	249	1	7397	DATE
cjfa-12569	249	2	399	CARDINAL
cjfa-12569	251	1	biuro	PERSON
cjfa-12569	251	2	skarbu państwa	PERSON
cjfa-12569	251	3	2014	DATE
cjfa-12569	252	1	bankowość mobilna w polsce	PERSON
cjfa-12569	252	2	20.07.2016	CARDINAL
cjfa-12569	253	1	brito	PERSON
cjfa-12569	253	2	j. & castillo	ORG
cjfa-12569	253	3	a.	PERSON
cjfa-12569	253	4	2016	CARDINAL
cjfa-12569	255	1	george mason university	ORG
cjfa-12569	256	1	2016	CARDINAL
cjfa-12569	256	2	26.08.2016	TIME
cjfa-12569	257	1	courtois, n.t.	ORG
cjfa-12569	257	2	m., naik	PERSON
cjfa-12569	257	3	r.	NORP
cjfa-12569	257	4	2014	DATE
cjfa-12569	259	1	448	CARDINAL
cjfa-12569	259	2	131–144	CARDINAL
cjfa-12569	262	1	european central bank	ORG
cjfa-12569	262	2	2012	DATE
cjfa-12569	262	3	frankfurt	GPE
cjfa-12569	263	1	franco	PERSON
cjfa-12569	263	2	2015	CARDINAL
cjfa-12569	264	1	wiley	PERSON
cjfa-12569	265	1	grover	PERSON
cjfa-12569	265	2	2014	DATE
cjfa-12569	267	1	39–40	CARDINAL
cjfa-12569	268	1	j. (	PERSON
cjfa-12569	268	2	2013	DATE
cjfa-12569	269	1	jako	PERSON
cjfa-12569	269	2	rozwoju innowacji na rynku płatności detalicznych	PERSON
cjfa-12569	271	1	3	CARDINAL
cjfa-12569	271	2	219–228	CARDINAL
cjfa-12569	272	1	j., & klimontowicz	ORG
cjfa-12569	272	2	2013	DATE
cjfa-12569	273	1	poland	GPE
cjfa-12569	274	1	1(2	CARDINAL
cjfa-12569	274	2	86–102	CARDINAL
cjfa-12569	275	1	2016	CARDINAL
cjfa-12569	277	1	january 2016	DATE
cjfa-12569	278	1	2015	DATE
cjfa-12569	281	1	plos one	PERSON
cjfa-12569	281	2	http://dx.doi	PERSON
cjfa-12569	282	1	li	PERSON
cjfa-12569	282	2	x. & wang	ORG
cjfa-12569	282	3	c.a.	GPE
cjfa-12569	282	4	2016	CARDINAL
cjfa-12569	285	1	http://dx.doi	PERSON
cjfa-12569	287	1	mikowska	PERSON
cjfa-12569	287	2	m. (	PERSON
cjfa-12569	287	3	2015	DATE
cjfa-12569	288	1	17.07.2016	ORDINAL
cjfa-12569	289	1	the republic of poland	GPE
cjfa-12569	289	2	https://mc.gov.pl/projekty/odpapierowej-do-cyfrowej-polski/strumien-blockchain-i-kryptowaluty	GPE
cjfa-12569	290	1	moore	PERSON
cjfa-12569	290	2	t.	PERSON
cjfa-12569	290	3	2013	DATE
cjfa-12569	292	1	6	CARDINAL
cjfa-12569	292	2	147–149	CARDINAL
cjfa-12569	293	1	nakamoto	PERSON
cjfa-12569	293	2	s.	PERSON
cjfa-12569	293	3	2008	DATE
cjfa-12569	293	4	06.05.2016	TIME
cjfa-12569	294	1	217 nian	MONEY
cjfa-12569	294	2	l.p. & chuen	ORG
cjfa-12569	294	3	d.l.k	ORG
cjfa-12569	294	4	2015	CARDINAL
cjfa-12569	297	1	chuen	PERSON
cjfa-12569	297	2	ed	PERSON
cjfa-12569	298	1	ober	ORG
cjfa-12569	298	2	m., katzenbeisser s.	ORG
cjfa-12569	298	3	hamacher k.	PERSON
cjfa-12569	298	4	2013	DATE
cjfa-12569	300	1	5(2	CARDINAL
cjfa-12569	300	2	237–250	CARDINAL
cjfa-12569	302	1	polasik	PERSON
cjfa-12569	302	2	2014	DATE
cjfa-12569	303	1	rozwoju mobilnych	PERSON
cjfa-12569	305	1	xlviii	ORG
cjfa-12569	305	2	4	CARDINAL
cjfa-12569	305	3	197–207	CARDINAL
cjfa-12569	306	1	http://dx.doi	PERSON
cjfa-12569	307	1	polasik	PERSON
cjfa-12569	307	2	2016	CARDINAL
cjfa-12569	308	1	poland	GPE
cjfa-12569	310	1	15(1	CARDINAL
cjfa-12569	310	2	73–101	ORG
cjfa-12569	312	1	polasik m.	PERSON
cjfa-12569	312	2	piotrowska a.i.	PERSON
cjfa-12569	312	3	kumkowska n.	PERSON
cjfa-12569	312	4	2015	DATE
cjfa-12569	312	5	rozwój przez innowacje czy efekt skali	ORG
cjfa-12569	313	1	badanie	PERSON
cjfa-12569	313	2	polskiego systemu płatniczego	ORG
cjfa-12569	313	3	badawczy	GPE
cjfa-12569	313	4	analiz systemu finansowego	ORG
cjfa-12569	314	1	polasik	PERSON
cjfa-12569	314	2	m.	PERSON
cjfa-12569	314	3	piotrowska	GPE
cjfa-12569	314	4	a.	GPE
cjfa-12569	314	5	wisniewski	PERSON
cjfa-12569	314	6	t.p.	GPE
cjfa-12569	314	7	kotkowski	PERSON
cjfa-12569	314	8	r.	NORP
cjfa-12569	314	9	2015	CARDINAL
cjfa-12569	316	1	20(1	CARDINAL
cjfa-12569	318	1	1061413	DATE
cjfa-12569	319	1	selgin, g.	PERSON
cjfa-12569	319	2	2015	CARDINAL
cjfa-12569	321	1	17	CARDINAL
cjfa-12569	321	2	92	CARDINAL
cjfa-12569	321	3	99	CARDINAL
cjfa-12569	322	1	sieroń, a.	PERSON
cjfa-12569	322	2	2013	DATE
cjfa-12569	325	1	31–51	DATE
cjfa-12569	326	1	świecka	ORG
cjfa-12569	326	2	2015	DATE
cjfa-12569	327	1	płatności mobilne jako innowacje na rynku detalicznych	PERSON
cjfa-12569	328	1	problemy zarządzania	PERSON
cjfa-12569	328	2	13(3	CARDINAL
cjfa-12569	328	3	29–40	CARDINAL
cjfa-12569	329	1	http://dx.doi	PERSON
cjfa-12569	331	1	vasek	GPE
cjfa-12569	331	2	m., thornton	PERSON
cjfa-12569	331	3	m.	PERSON
cjfa-12569	331	4	moore t.	PERSON
cjfa-12569	331	5	2014	DATE
cjfa-12569	333	1	8438	DATE
cjfa-12569	333	2	57–71	DATE
cjfa-12569	335	1	2013	DATE
cjfa-12569	335	2	2013	DATE
cjfa-12569	336	1	capgemini	GPE
cjfa-12569	336	2	the royal bank of scotland	ORG
cjfa-12569	337	1	2015	CARDINAL
cjfa-12569	337	2	2015	CARDINAL
cjfa-12569	338	1	capgemini	GPE
cjfa-12569	338	2	the royal bank of scotland	ORG
cjfa-12569	339	1	yermack	GPE
cjfa-12569	339	2	2013	DATE
cjfa-12569	342	1	nber	ORG
cjfa-12569	342	2	19747	DATE
cjfa-12569	343	1	50	CARDINAL
cjfa-12569	343	2	2015	DATE
cjfa-12569	343	3	2015	CARDINAL
cjfa-12569	344	1	finansowy bank	ORG