id	sid	tid	token	lemma	pos
cjfa-15279	1	1	cjfa_2_2017_druk.pdf	cjfa_2_2017_druk.pdf	PROPN
cjfa-15279	1	2	e65	e65	PROPN
cjfa-15279	1	3	-1	-1	PUNCT
cjfa-15279	1	4	date	date	NOUN
cjfa-15279	1	5	of	of	ADP
cjfa-15279	1	6	submission	submission	NOUN
cjfa-15279	1	7	:	:	PUNCT
cjfa-15279	1	8	january	january	PROPN
cjfa-15279	1	9	3	3	NUM
cjfa-15279	1	10	,	,	PUNCT
cjfa-15279	1	11	2017	2017	NUM
cjfa-15279	1	12	;	;	PUNCT
cjfa-15279	1	13	date	date	NOUN
cjfa-15279	1	14	of	of	ADP
cjfa-15279	1	15	acceptance	acceptance	NOUN
cjfa-15279	1	16	:	:	PUNCT
cjfa-15279	1	17	january	january	PROPN
cjfa-15279	1	18	30	30	NUM
cjfa-15279	1	19	,	,	PUNCT
cjfa-15279	1	20	2017	2017	NUM
cjfa-15279	1	21	.	.	PUNCT
cjfa-15279	2	1	*	*	PUNCT
cjfa-15279	2	2	contact	contact	NOUN
cjfa-15279	2	3	information	information	NOUN
cjfa-15279	2	4	:	:	PUNCT
cjfa-15279	2	5	dominik.sadlakowski@gmail.com	dominik.sadlakowski@gmail.com	NUM
cjfa-15279	2	6	,	,	PUNCT
cjfa-15279	2	7	nicolaus	nicolaus	PROPN
cjfa-15279	2	8	copernicus	copernicus	PROPN
cjfa-15279	2	9	university	university	PROPN
cjfa-15279	2	10	in	in	ADP
cjfa-15279	2	11	torun	torun	PROPN
cjfa-15279	2	12	,	,	PUNCT
cjfa-15279	2	13	gagarina	gagarina	NOUN
cjfa-15279	2	14	13a	13a	NOUN
cjfa-15279	2	15	,	,	PUNCT
cjfa-15279	2	16	87	87	NUM
cjfa-15279	2	17	-	-	SYM
cjfa-15279	2	18	100	100	NUM
cjfa-15279	2	19	torun	torun	ADJ
cjfa-15279	2	20	,	,	PUNCT
cjfa-15279	2	21	poland	poland	PROPN
cjfa-15279	2	22	,	,	PUNCT
cjfa-15279	2	23	phone	phone	NOUN
cjfa-15279	2	24	:	:	PUNCT
cjfa-15279	2	25	+48	+48	NUM
cjfa-15279	2	26	507	507	NUM
cjfa-15279	2	27	331	331	NUM
cjfa-15279	2	28	498	498	NUM
cjfa-15279	2	29	;	;	PUNCT
cjfa-15279	2	30	orcid	orcid	PROPN
cjfa-15279	3	1	i	i	NOUN
cjfa-15279	3	2	d	d	NOUN
cjfa-15279	3	3	:	:	PUNCT
cjfa-15279	3	4	http://orcid.org/0000-0003-0036-1546	http://orcid.org/0000-0003-0036-1546	PRON
cjfa-15279	3	5	.	.	PUNCT
cjfa-15279	3	6	capacity	capacity	NOUN
cjfa-15279	3	7	.	.	PUNCT
cjfa-15279	4	1	the	the	DET
cjfa-15279	4	2	opinions	opinion	NOUN
cjfa-15279	4	3	expressed	express	VERB
cjfa-15279	4	4	in	in	ADP
cjfa-15279	4	5	this	this	DET
cjfa-15279	4	6	article	article	NOUN
cjfa-15279	4	7	are	be	AUX
cjfa-15279	4	8	the	the	DET
cjfa-15279	4	9	author	author	NOUN
cjfa-15279	4	10	’s	’s	PART
cjfa-15279	4	11	own	own	ADJ
cjfa-15279	4	12	and	and	CCONJ
cjfa-15279	4	13	do	do	AUX
cjfa-15279	4	14	not	not	PART
cjfa-15279	4	15	reflect	reflect	VERB
cjfa-15279	4	16	the	the	DET
cjfa-15279	4	17	view	view	NOUN
cjfa-15279	4	18	of	of	ADP
cjfa-15279	4	19	the	the	DET
cjfa-15279	4	20	narodowy	narodowy	PROPN
cjfa-15279	4	21	bank	bank	PROPN
cjfa-15279	4	22	polski	polski	PROPN
cjfa-15279	4	23	of	of	ADP
cjfa-15279	4	24	which	which	PRON
cjfa-15279	4	25	the	the	DET
cjfa-15279	4	26	author	author	NOUN
cjfa-15279	4	27	is	be	AUX
cjfa-15279	4	28	an	an	DET
cjfa-15279	4	29	employee	employee	NOUN
cjfa-15279	4	30	.	.	PUNCT
cjfa-15279	5	1	journal	journal	PROPN
cjfa-15279	5	2	of	of	ADP
cjfa-15279	5	3	finance	finance	PROPN
cjfa-15279	5	4	&	&	CCONJ
cjfa-15279	5	5	accounting	accounting	PROPN
cjfa-15279	5	6	,	,	PUNCT
cjfa-15279	5	7	6(2	6(2	NUM
cjfa-15279	5	8	)	)	PUNCT
cjfa-15279	5	9	,	,	PUNCT
cjfa-15279	5	10	59–69	59–69	NUM
cjfa-15279	5	11	.	.	PUNCT
cjfa-15279	6	1	http://dx.doi.org/10.12775/cjfa.2017.011	http://dx.doi.org/10.12775/cjfa.2017.011	PROPN
cjfa-15279	6	2	*	*	PUNCT
cjfa-15279	6	3	nicolaus	nicolaus	PROPN
cjfa-15279	6	4	copernicus	copernicus	PROPN
cjfa-15279	6	5	university	university	PROPN
cjfa-15279	6	6	in	in	ADP
cjfa-15279	6	7	torun	torun	ADJ
cjfa-15279	6	8	the	the	DET
cjfa-15279	6	9	role	role	NOUN
cjfa-15279	6	10	of	of	ADP
cjfa-15279	6	11	instant	instant	ADJ
cjfa-15279	6	12	payment	payment	NOUN
cjfa-15279	6	13	systems	system	NOUN
cjfa-15279	6	14	in	in	ADP
cjfa-15279	6	15	the	the	DET
cjfa-15279	6	16	polish	polish	ADJ
cjfa-15279	6	17	economy	economy	NOUN
cjfa-15279	6	18	keywords	keyword	NOUN
cjfa-15279	6	19	:	:	PUNCT
cjfa-15279	6	20	payment	payment	NOUN
cjfa-15279	6	21	system	system	NOUN
cjfa-15279	6	22	,	,	PUNCT
cjfa-15279	6	23	instant	instant	ADJ
cjfa-15279	6	24	payments	payment	NOUN
cjfa-15279	6	25	,	,	PUNCT
cjfa-15279	6	26	instant	instant	ADJ
cjfa-15279	6	27	payment	payment	NOUN
cjfa-15279	6	28	systems	system	NOUN
cjfa-15279	6	29	,	,	PUNCT
cjfa-15279	6	30	real	real	ADJ
cjfa-15279	6	31	-	-	PUNCT
cjfa-15279	6	32	time	time	NOUN
cjfa-15279	6	33	gross	gross	ADJ
cjfa-15279	6	34	settlement	settlement	NOUN
cjfa-15279	6	35	.	.	PUNCT
cjfa-15279	7	1	j	j	PROPN
cjfa-15279	7	2	e	e	PROPN
cjfa-15279	7	3	l	l	PROPN
cjfa-15279	7	4	classification	classification	NOUN
cjfa-15279	7	5	:	:	PUNCT
cjfa-15279	7	6	e58	e58	PROPN
cjfa-15279	7	7	,	,	PUNCT
cjfa-15279	7	8	e42	e42	NOUN
cjfa-15279	7	9	.	.	PUNCT
cjfa-15279	8	1	abstract	abstract	ADJ
cjfa-15279	8	2	:	:	PUNCT
cjfa-15279	8	3	instant	instant	ADJ
cjfa-15279	8	4	payments	payment	NOUN
cjfa-15279	8	5	are	be	AUX
cjfa-15279	8	6	one	one	NUM
cjfa-15279	8	7	of	of	ADP
cjfa-15279	8	8	the	the	DET
cjfa-15279	8	9	most	most	ADV
cjfa-15279	8	10	important	important	ADJ
cjfa-15279	8	11	current	current	ADJ
cjfa-15279	8	12	trends	trend	NOUN
cjfa-15279	8	13	in	in	ADP
cjfa-15279	8	14	modern	modern	ADJ
cjfa-15279	8	15	banking	banking	NOUN
cjfa-15279	8	16	.	.	PUNCT
cjfa-15279	9	1	solutions	solution	NOUN
cjfa-15279	9	2	of	of	ADP
cjfa-15279	9	3	this	this	DET
cjfa-15279	9	4	type	type	NOUN
cjfa-15279	9	5	have	have	AUX
cjfa-15279	9	6	been	be	AUX
cjfa-15279	9	7	implemented	implement	VERB
cjfa-15279	9	8	form	form	NOUN
cjfa-15279	9	9	large	large	ADJ
cjfa-15279	9	10	-	-	PUNCT
cjfa-15279	9	11	value	value	NOUN
cjfa-15279	9	12	to	to	ADP
cjfa-15279	9	13	retail	retail	ADJ
cjfa-15279	9	14	banking	banking	NOUN
cjfa-15279	9	15	.	.	PUNCT
cjfa-15279	10	1	the	the	DET
cjfa-15279	10	2	purpose	purpose	NOUN
cjfa-15279	10	3	of	of	ADP
cjfa-15279	10	4	this	this	DET
cjfa-15279	10	5	article	article	NOUN
cjfa-15279	10	6	is	be	AUX
cjfa-15279	10	7	to	to	PART
cjfa-15279	10	8	introduce	introduce	VERB
cjfa-15279	10	9	broad	broad	ADJ
cjfa-15279	10	10	spectrum	spectrum	NOUN
cjfa-15279	10	11	of	of	ADP
cjfa-15279	10	12	application	application	NOUN
cjfa-15279	10	13	of	of	ADP
cjfa-15279	10	14	instant	instant	ADJ
cjfa-15279	10	15	payment	payment	NOUN
cjfa-15279	10	16	systems	system	NOUN
cjfa-15279	10	17	and	and	CCONJ
cjfa-15279	10	18	to	to	PART
cjfa-15279	10	19	attempt	attempt	VERB
cjfa-15279	10	20	to	to	PART
cjfa-15279	10	21	answer	answer	VERB
cjfa-15279	10	22	the	the	DET
cjfa-15279	10	23	question	question	NOUN
cjfa-15279	10	24	of	of	ADP
cjfa-15279	10	25	whether	whether	SCONJ
cjfa-15279	10	26	the	the	DET
cjfa-15279	10	27	creation	creation	NOUN
cjfa-15279	10	28	and	and	CCONJ
cjfa-15279	10	29	further	further	ADJ
cjfa-15279	10	30	development	development	NOUN
cjfa-15279	10	31	of	of	ADP
cjfa-15279	10	32	instant	instant	ADJ
cjfa-15279	10	33	retail	retail	ADJ
cjfa-15279	10	34	payment	payment	NOUN
cjfa-15279	10	35	systems	system	NOUN
cjfa-15279	10	36	is	be	AUX
cjfa-15279	10	37	important	important	ADJ
cjfa-15279	10	38	for	for	ADP
cjfa-15279	10	39	the	the	DET
cjfa-15279	10	40	efficient	efficient	ADJ
cjfa-15279	10	41	functioning	functioning	NOUN
cjfa-15279	10	42	of	of	ADP
cjfa-15279	10	43	the	the	DET
cjfa-15279	10	44	polish	polish	ADJ
cjfa-15279	10	45	payment	payment	NOUN
cjfa-15279	10	46	system	system	NOUN
cjfa-15279	10	47	.	.	PUNCT
cjfa-15279	11	1	in	in	ADP
cjfa-15279	11	2	the	the	DET
cjfa-15279	11	3	process	process	NOUN
cjfa-15279	11	4	of	of	ADP
cjfa-15279	11	5	preparing	prepare	VERB
cjfa-15279	11	6	this	this	DET
cjfa-15279	11	7	analysis	analysis	NOUN
cjfa-15279	11	8	,	,	PUNCT
cjfa-15279	11	9	the	the	DET
cjfa-15279	11	10	following	follow	VERB
cjfa-15279	11	11	methods	method	NOUN
cjfa-15279	11	12	have	have	AUX
cjfa-15279	11	13	been	be	AUX
cjfa-15279	11	14	used	use	VERB
cjfa-15279	11	15	:	:	PUNCT
cjfa-15279	11	16	literature	literature	NOUN
cjfa-15279	11	17	analysis	analysis	NOUN
cjfa-15279	11	18	,	,	PUNCT
cjfa-15279	11	19	secondary	secondary	ADJ
cjfa-15279	11	20	data	datum	NOUN
cjfa-15279	11	21	analysis	analysis	NOUN
cjfa-15279	11	22	and	and	CCONJ
cjfa-15279	11	23	case	case	NOUN
cjfa-15279	11	24	study	study	NOUN
cjfa-15279	11	25	.	.	PUNCT
cjfa-15279	12	1	the	the	DET
cjfa-15279	12	2	security	security	NOUN
cjfa-15279	12	3	of	of	ADP
cjfa-15279	12	4	the	the	DET
cjfa-15279	12	5	payment	payment	NOUN
cjfa-15279	12	6	system	system	NOUN
cjfa-15279	12	7	depends	depend	VERB
cjfa-15279	12	8	largely	largely	ADV
cjfa-15279	12	9	on	on	ADP
cjfa-15279	12	10	providing	provide	VERB
cjfa-15279	12	11	a	a	DET
cjfa-15279	12	12	high	high	ADJ
cjfa-15279	12	13	efficiency	efficiency	NOUN
cjfa-15279	12	14	of	of	ADP
cjfa-15279	12	15	its	its	PRON
cjfa-15279	12	16	individual	individual	ADJ
cjfa-15279	12	17	components	component	NOUN
cjfa-15279	12	18	.	.	PUNCT
cjfa-15279	13	1	in	in	ADP
cjfa-15279	13	2	case	case	NOUN
cjfa-15279	13	3	of	of	ADP
cjfa-15279	13	4	polish	polish	ADJ
cjfa-15279	13	5	instant	instant	ADJ
cjfa-15279	13	6	payment	payment	NOUN
cjfa-15279	13	7	systems	system	NOUN
cjfa-15279	13	8	there	there	PRON
cjfa-15279	13	9	is	be	VERB
cjfa-15279	13	10	a	a	DET
cjfa-15279	13	11	high	high	ADJ
cjfa-15279	13	12	level	level	NOUN
cjfa-15279	13	13	of	of	ADP
cjfa-15279	13	14	diversification	diversification	NOUN
cjfa-15279	13	15	as	as	ADP
cjfa-15279	13	16	a	a	DET
cjfa-15279	13	17	result	result	NOUN
cjfa-15279	13	18	of	of	ADP
cjfa-15279	13	19	the	the	DET
cjfa-15279	13	20	operation	operation	NOUN
cjfa-15279	13	21	of	of	ADP
cjfa-15279	13	22	three	three	NUM
cjfa-15279	13	23	independent	independent	ADJ
cjfa-15279	13	24	instant	instant	ADJ
cjfa-15279	13	25	payment	payment	NOUN
cjfa-15279	13	26	systems	system	NOUN
cjfa-15279	13	27	which	which	PRON
cjfa-15279	13	28	ensures	ensure	VERB
cjfa-15279	13	29	there	there	ADV
cjfa-15279	13	30	high	high	ADJ
cjfa-15279	13	31	performance	performance	NOUN
cjfa-15279	13	32	.	.	PUNCT
cjfa-15279	14	1	60	60	NUM
cjfa-15279	14	2	continued	continue	VERB
cjfa-15279	14	3	technological	technological	ADJ
cjfa-15279	14	4	development	development	NOUN
cjfa-15279	14	5	determines	determine	VERB
cjfa-15279	14	6	implementing	implement	VERB
cjfa-15279	14	7	new	new	ADJ
cjfa-15279	14	8	solutions	solution	NOUN
cjfa-15279	14	9	and	and	CCONJ
cjfa-15279	14	10	functionalities	functionality	NOUN
cjfa-15279	14	11	in	in	ADP
cjfa-15279	14	12	almost	almost	ADV
cjfa-15279	14	13	all	all	PRON
cjfa-15279	14	14	areas	area	NOUN
cjfa-15279	14	15	of	of	ADP
cjfa-15279	14	16	economic	economic	ADJ
cjfa-15279	14	17	life	life	NOUN
cjfa-15279	14	18	,	,	PUNCT
cjfa-15279	14	19	banking	banking	NOUN
cjfa-15279	14	20	being	be	AUX
cjfa-15279	14	21	one	one	NUM
cjfa-15279	14	22	of	of	ADP
cjfa-15279	14	23	them	they	PRON
cjfa-15279	14	24	.	.	PUNCT
cjfa-15279	15	1	the	the	DET
cjfa-15279	15	2	pursuit	pursuit	NOUN
cjfa-15279	15	3	of	of	ADP
cjfa-15279	15	4	competitiveness	competitiveness	NOUN
cjfa-15279	15	5	and	and	CCONJ
cjfa-15279	15	6	the	the	DET
cjfa-15279	15	7	creation	creation	NOUN
cjfa-15279	15	8	of	of	ADP
cjfa-15279	15	9	stronger	strong	ADJ
cjfa-15279	15	10	connections	connection	NOUN
cjfa-15279	15	11	between	between	ADP
cjfa-15279	15	12	market	market	NOUN
cjfa-15279	15	13	contributors	contributor	NOUN
cjfa-15279	15	14	has	have	AUX
cjfa-15279	15	15	influenced	influence	VERB
cjfa-15279	15	16	the	the	DET
cjfa-15279	15	17	necessity	necessity	NOUN
cjfa-15279	15	18	to	to	PART
cjfa-15279	15	19	create	create	VERB
cjfa-15279	15	20	systems	system	NOUN
cjfa-15279	15	21	to	to	PART
cjfa-15279	15	22	transfer	transfer	VERB
cjfa-15279	15	23	money	money	NOUN
cjfa-15279	15	24	that	that	PRON
cjfa-15279	15	25	would	would	AUX
cjfa-15279	15	26	allow	allow	VERB
cjfa-15279	15	27	quick	quick	ADJ
cjfa-15279	15	28	and	and	CCONJ
cjfa-15279	15	29	relatively	relatively	ADV
cjfa-15279	15	30	safe	safe	ADJ
cjfa-15279	15	31	flow	flow	NOUN
cjfa-15279	15	32	of	of	ADP
cjfa-15279	15	33	resources	resource	NOUN
cjfa-15279	15	34	between	between	ADP
cjfa-15279	15	35	the	the	DET
cjfa-15279	15	36	sides	side	NOUN
cjfa-15279	15	37	of	of	ADP
cjfa-15279	15	38	transaction	transaction	NOUN
cjfa-15279	15	39	.	.	PUNCT
cjfa-15279	16	1	this	this	DET
cjfa-15279	16	2	need	need	NOUN
cjfa-15279	16	3	has	have	AUX
cjfa-15279	16	4	impacted	impact	VERB
cjfa-15279	16	5	the	the	DET
cjfa-15279	16	6	development	development	NOUN
cjfa-15279	16	7	of	of	ADP
cjfa-15279	16	8	instant	instant	ADJ
cjfa-15279	16	9	payment	payment	NOUN
cjfa-15279	16	10	conception	conception	NOUN
cjfa-15279	16	11	.	.	PUNCT
cjfa-15279	17	1	this	this	DET
cjfa-15279	17	2	model	model	NOUN
cjfa-15279	17	3	of	of	ADP
cjfa-15279	17	4	settling	settle	VERB
cjfa-15279	17	5	accounts	account	NOUN
cjfa-15279	17	6	can	can	AUX
cjfa-15279	17	7	be	be	AUX
cjfa-15279	17	8	used	use	VERB
cjfa-15279	17	9	not	not	PART
cjfa-15279	17	10	only	only	ADV
cjfa-15279	17	11	large	large	ADJ
cjfa-15279	17	12	-	-	PUNCT
cjfa-15279	17	13	value	value	NOUN
cjfa-15279	17	14	payments	payment	NOUN
cjfa-15279	17	15	in	in	ADP
cjfa-15279	17	16	central	central	ADJ
cjfa-15279	17	17	banks	bank	NOUN
cjfa-15279	17	18	but	but	CCONJ
cjfa-15279	17	19	also	also	ADV
cjfa-15279	17	20	in	in	ADP
cjfa-15279	17	21	corporate	corporate	ADJ
cjfa-15279	17	22	banking	banking	NOUN
cjfa-15279	17	23	,	,	PUNCT
cjfa-15279	17	24	and	and	CCONJ
cjfa-15279	17	25	that	that	PRON
cjfa-15279	17	26	makes	make	VERB
cjfa-15279	17	27	it	it	PRON
cjfa-15279	17	28	one	one	NUM
cjfa-15279	17	29	of	of	ADP
cjfa-15279	17	30	the	the	DET
cjfa-15279	17	31	fastest	fast	ADJ
cjfa-15279	17	32	developing	develop	VERB
cjfa-15279	17	33	elements	element	NOUN
cjfa-15279	17	34	of	of	ADP
cjfa-15279	17	35	payment	payment	NOUN
cjfa-15279	17	36	infrastructure	infrastructure	NOUN
cjfa-15279	17	37	.	.	PUNCT
cjfa-15279	18	1	the	the	DET
cjfa-15279	18	2	purpose	purpose	NOUN
cjfa-15279	18	3	of	of	ADP
cjfa-15279	18	4	this	this	DET
cjfa-15279	18	5	article	article	NOUN
cjfa-15279	18	6	is	be	AUX
cjfa-15279	18	7	to	to	PART
cjfa-15279	18	8	introduce	introduce	VERB
cjfa-15279	18	9	broad	broad	ADJ
cjfa-15279	18	10	spectrum	spectrum	NOUN
cjfa-15279	18	11	of	of	ADP
cjfa-15279	18	12	application	application	NOUN
cjfa-15279	18	13	of	of	ADP
cjfa-15279	18	14	instant	instant	ADJ
cjfa-15279	18	15	payment	payment	NOUN
cjfa-15279	18	16	systems	system	NOUN
cjfa-15279	18	17	to	to	PART
cjfa-15279	18	18	attempt	attempt	VERB
cjfa-15279	18	19	to	to	PART
cjfa-15279	18	20	answer	answer	VERB
cjfa-15279	18	21	the	the	DET
cjfa-15279	18	22	question	question	NOUN
cjfa-15279	18	23	of	of	ADP
cjfa-15279	18	24	whether	whether	SCONJ
cjfa-15279	18	25	the	the	DET
cjfa-15279	18	26	creation	creation	NOUN
cjfa-15279	18	27	and	and	CCONJ
cjfa-15279	18	28	further	further	ADJ
cjfa-15279	18	29	development	development	NOUN
cjfa-15279	18	30	of	of	ADP
cjfa-15279	18	31	instant	instant	ADJ
cjfa-15279	18	32	retail	retail	ADJ
cjfa-15279	18	33	payment	payment	NOUN
cjfa-15279	18	34	systems	system	NOUN
cjfa-15279	18	35	is	be	AUX
cjfa-15279	18	36	important	important	ADJ
cjfa-15279	18	37	for	for	ADP
cjfa-15279	18	38	the	the	DET
cjfa-15279	18	39	efficient	efficient	ADJ
cjfa-15279	18	40	functioning	functioning	NOUN
cjfa-15279	18	41	of	of	ADP
cjfa-15279	18	42	the	the	DET
cjfa-15279	18	43	polish	polish	ADJ
cjfa-15279	18	44	payment	payment	NOUN
cjfa-15279	18	45	system	system	NOUN
cjfa-15279	18	46	.	.	PUNCT
cjfa-15279	19	1	the	the	DET
cjfa-15279	19	2	author	author	NOUN
cjfa-15279	19	3	of	of	ADP
cjfa-15279	19	4	this	this	DET
cjfa-15279	19	5	paper	paper	NOUN
cjfa-15279	19	6	presents	present	VERB
cjfa-15279	19	7	the	the	DET
cjfa-15279	19	8	hypothesis	hypothesis	NOUN
cjfa-15279	19	9	that	that	PRON
cjfa-15279	19	10	due	due	ADJ
cjfa-15279	19	11	to	to	ADP
cjfa-15279	19	12	increasing	increase	VERB
cjfa-15279	19	13	demand	demand	NOUN
cjfa-15279	19	14	for	for	ADP
cjfa-15279	19	15	instant	instant	ADJ
cjfa-15279	19	16	payment	payment	NOUN
cjfa-15279	19	17	,	,	PUNCT
cjfa-15279	19	18	it	it	PRON
cjfa-15279	19	19	may	may	AUX
cjfa-15279	19	20	be	be	AUX
cjfa-15279	19	21	necessary	necessary	ADJ
cjfa-15279	19	22	to	to	PART
cjfa-15279	19	23	increase	increase	VERB
cjfa-15279	19	24	the	the	DET
cjfa-15279	19	25	capabilities	capability	NOUN
cjfa-15279	19	26	of	of	ADP
cjfa-15279	19	27	already	already	ADV
cjfa-15279	19	28	functioning	function	VERB
cjfa-15279	19	29	retail	retail	ADJ
cjfa-15279	19	30	instant	instant	ADJ
cjfa-15279	19	31	payment	payment	NOUN
cjfa-15279	19	32	systems	system	NOUN
cjfa-15279	19	33	or	or	CCONJ
cjfa-15279	19	34	even	even	ADV
cjfa-15279	19	35	some	some	DET
cjfa-15279	19	36	changes	change	NOUN
cjfa-15279	19	37	in	in	ADP
cjfa-15279	19	38	the	the	DET
cjfa-15279	19	39	way	way	NOUN
cjfa-15279	19	40	of	of	ADP
cjfa-15279	19	41	their	their	PRON
cjfa-15279	19	42	functioning	functioning	NOUN
cjfa-15279	19	43	.	.	PUNCT
cjfa-15279	20	1	the	the	DET
cjfa-15279	20	2	subject	subject	NOUN
cjfa-15279	20	3	of	of	ADP
cjfa-15279	20	4	observations	observation	NOUN
cjfa-15279	20	5	conducted	conduct	VERB
cjfa-15279	20	6	by	by	ADP
cjfa-15279	20	7	the	the	DET
cjfa-15279	20	8	author	author	NOUN
cjfa-15279	20	9	is	be	AUX
cjfa-15279	20	10	the	the	DET
cjfa-15279	20	11	polish	polish	ADJ
cjfa-15279	20	12	payment	payment	NOUN
cjfa-15279	20	13	system	system	NOUN
cjfa-15279	20	14	in	in	ADP
cjfa-15279	20	15	which	which	PRON
cjfa-15279	20	16	there	there	PRON
cjfa-15279	20	17	are	be	VERB
cjfa-15279	20	18	3	3	NUM
cjfa-15279	20	19	instant	instant	ADJ
cjfa-15279	20	20	payment	payment	NOUN
cjfa-15279	20	21	systems	system	NOUN
cjfa-15279	20	22	:	:	PUNCT
cjfa-15279	20	23	large	large	ADJ
cjfa-15279	20	24	-	-	PUNCT
cjfa-15279	20	25	value	value	NOUN
cjfa-15279	20	26	sorbnet2	sorbnet2	NOUN
cjfa-15279	20	27	and	and	CCONJ
cjfa-15279	20	28	retail	retail	ADJ
cjfa-15279	20	29	express	express	ADJ
cjfa-15279	20	30	elixir	elixir	NOUN
cjfa-15279	20	31	and	and	CCONJ
cjfa-15279	20	32	blue	blue	ADJ
cjfa-15279	20	33	cash	cash	NOUN
cjfa-15279	20	34	.	.	PUNCT
cjfa-15279	21	1	in	in	ADP
cjfa-15279	21	2	the	the	DET
cjfa-15279	21	3	process	process	NOUN
cjfa-15279	21	4	of	of	ADP
cjfa-15279	21	5	preparing	prepare	VERB
cjfa-15279	21	6	this	this	DET
cjfa-15279	21	7	analysis	analysis	NOUN
cjfa-15279	21	8	,	,	PUNCT
cjfa-15279	21	9	the	the	DET
cjfa-15279	21	10	following	follow	VERB
cjfa-15279	21	11	methods	method	NOUN
cjfa-15279	21	12	have	have	AUX
cjfa-15279	21	13	been	be	AUX
cjfa-15279	21	14	used	use	VERB
cjfa-15279	21	15	:	:	PUNCT
cjfa-15279	21	16	literature	literature	NOUN
cjfa-15279	21	17	analysis	analysis	NOUN
cjfa-15279	21	18	,	,	PUNCT
cjfa-15279	21	19	secondary	secondary	ADJ
cjfa-15279	21	20	data	datum	NOUN
cjfa-15279	21	21	analysis	analysis	NOUN
cjfa-15279	21	22	and	and	CCONJ
cjfa-15279	21	23	case	case	NOUN
cjfa-15279	21	24	study	study	NOUN
cjfa-15279	21	25	.	.	PUNCT
cjfa-15279	22	1	polish	polish	ADJ
cjfa-15279	22	2	payment	payment	NOUN
cjfa-15279	22	3	systems	system	NOUN
cjfa-15279	22	4	and	and	CCONJ
cjfa-15279	22	5	its	its	PRON
cjfa-15279	22	6	selected	select	VERB
cjfa-15279	22	7	elements	element	NOUN
cjfa-15279	22	8	have	have	AUX
cjfa-15279	22	9	been	be	AUX
cjfa-15279	22	10	chosen	choose	VERB
cjfa-15279	22	11	to	to	PART
cjfa-15279	22	12	be	be	AUX
cjfa-15279	22	13	the	the	DET
cjfa-15279	22	14	case	case	NOUN
cjfa-15279	22	15	study	study	NOUN
cjfa-15279	22	16	.	.	PUNCT
cjfa-15279	23	1	this	this	DET
cjfa-15279	23	2	research	research	NOUN
cjfa-15279	23	3	paper	paper	NOUN
cjfa-15279	23	4	was	be	AUX
cjfa-15279	23	5	created	create	VERB
cjfa-15279	23	6	using	use	VERB
cjfa-15279	23	7	literature	literature	NOUN
cjfa-15279	23	8	on	on	ADP
cjfa-15279	23	9	the	the	DET
cjfa-15279	23	10	subject	subject	NOUN
cjfa-15279	23	11	,	,	PUNCT
cjfa-15279	23	12	sector	sector	NOUN
cjfa-15279	23	13	reports	report	NOUN
cjfa-15279	23	14	and	and	CCONJ
cjfa-15279	23	15	statistical	statistical	ADJ
cjfa-15279	23	16	data	datum	NOUN
cjfa-15279	23	17	from	from	ADP
cjfa-15279	23	18	the	the	DET
cjfa-15279	23	19	analysis	analysis	NOUN
cjfa-15279	23	20	prepared	prepare	VERB
cjfa-15279	23	21	by	by	ADP
cjfa-15279	23	22	the	the	DET
cjfa-15279	23	23	narodowy	narodowy	PROPN
cjfa-15279	23	24	bank	bank	PROPN
cjfa-15279	23	25	polski	polski	PROPN
cjfa-15279	23	26	and	and	CCONJ
cjfa-15279	23	27	chosen	choose	VERB
cjfa-15279	23	28	system	system	NOUN
cjfa-15279	23	29	operators	operator	NOUN
cjfa-15279	23	30	.	.	PUNCT
cjfa-15279	24	1	the	the	DET
cjfa-15279	24	2	dynamic	dynamic	ADJ
cjfa-15279	24	3	development	development	NOUN
cjfa-15279	24	4	of	of	ADP
cjfa-15279	24	5	economic	economic	ADJ
cjfa-15279	24	6	processes	process	NOUN
cjfa-15279	24	7	happening	happen	VERB
cjfa-15279	24	8	in	in	ADP
cjfa-15279	24	9	the	the	DET
cjfa-15279	24	10	modern	modern	ADJ
cjfa-15279	24	11	world	world	NOUN
cjfa-15279	24	12	outlines	outline	VERB
cjfa-15279	24	13	the	the	DET
cjfa-15279	24	14	necessity	necessity	NOUN
cjfa-15279	24	15	of	of	ADP
cjfa-15279	24	16	constant	constant	ADJ
cjfa-15279	24	17	improvement	improvement	NOUN
cjfa-15279	24	18	of	of	ADP
cjfa-15279	24	19	bilateral	bilateral	ADJ
cjfa-15279	24	20	connections	connection	NOUN
cjfa-15279	24	21	between	between	ADP
cjfa-15279	24	22	the	the	DET
cjfa-15279	24	23	market	market	NOUN
cjfa-15279	24	24	contributors	contributor	NOUN
cjfa-15279	24	25	.	.	PUNCT
cjfa-15279	25	1	one	one	NUM
cjfa-15279	25	2	of	of	ADP
cjfa-15279	25	3	the	the	DET
cjfa-15279	25	4	key	key	ADJ
cjfa-15279	25	5	elements	element	NOUN
cjfa-15279	25	6	that	that	PRON
cjfa-15279	25	7	outlines	outline	VERB
cjfa-15279	25	8	correct	correct	VERB
cjfa-15279	25	9	the	the	DET
cjfa-15279	25	10	role	role	NOUN
cjfa-15279	25	11	of	of	ADP
cjfa-15279	25	12	instant	instant	ADJ
cjfa-15279	25	13	payment	payment	NOUN
cjfa-15279	25	14	systems	system	NOUN
cjfa-15279	25	15	in	in	ADP
cjfa-15279	25	16	the	the	DET
cjfa-15279	25	17	polish	polish	ADJ
cjfa-15279	25	18	economy	economy	NOUN
cjfa-15279	25	19	61	61	NUM
cjfa-15279	25	20	and	and	CCONJ
cjfa-15279	25	21	uninterrupted	uninterrupted	ADJ
cjfa-15279	25	22	money	money	NOUN
cjfa-15279	25	23	circulation	circulation	NOUN
cjfa-15279	25	24	in	in	ADP
cjfa-15279	25	25	the	the	DET
cjfa-15279	25	26	economy	economy	NOUN
cjfa-15279	25	27	is	be	AUX
cjfa-15279	25	28	the	the	DET
cjfa-15279	25	29	payment	payment	NOUN
cjfa-15279	25	30	system	system	NOUN
cjfa-15279	25	31	.	.	PUNCT
cjfa-15279	26	1	it	it	PRON
cjfa-15279	26	2	is	be	AUX
cjfa-15279	26	3	the	the	DET
cjfa-15279	26	4	combination	combination	NOUN
cjfa-15279	26	5	of	of	ADP
cjfa-15279	26	6	connected	connected	ADJ
cjfa-15279	26	7	units	unit	NOUN
cjfa-15279	26	8	that	that	PRON
cjfa-15279	26	9	allows	allow	VERB
cjfa-15279	26	10	quick	quick	ADJ
cjfa-15279	26	11	and	and	CCONJ
cjfa-15279	26	12	safe	safe	ADJ
cjfa-15279	26	13	transfer	transfer	NOUN
cjfa-15279	26	14	of	of	ADP
cjfa-15279	26	15	resources	resource	NOUN
cjfa-15279	26	16	between	between	ADP
cjfa-15279	26	17	the	the	DET
cjfa-15279	26	18	system	system	NOUN
cjfa-15279	26	19	contributors	contributor	NOUN
cjfa-15279	26	20	.	.	PUNCT
cjfa-15279	27	1	in	in	ADP
cjfa-15279	27	2	the	the	DET
cjfa-15279	27	3	literature	literature	NOUN
cjfa-15279	27	4	,	,	PUNCT
cjfa-15279	27	5	it	it	PRON
cjfa-15279	27	6	is	be	AUX
cjfa-15279	27	7	very	very	ADV
cjfa-15279	27	8	commonly	commonly	ADV
cjfa-15279	27	9	compared	compare	VERB
cjfa-15279	27	10	to	to	ADP
cjfa-15279	27	11	the	the	DET
cjfa-15279	27	12	some	some	DET
cjfa-15279	27	13	kind	kind	NOUN
cjfa-15279	27	14	of	of	ADP
cjfa-15279	27	15	economy	economy	NOUN
cjfa-15279	27	16	’s	’s	PART
cjfa-15279	27	17	circulatory	circulatory	ADJ
cjfa-15279	27	18	system	system	NOUN
cjfa-15279	27	19	which	which	PRON
cjfa-15279	27	20	proficiency	proficiency	VERB
cjfa-15279	27	21	a	a	DET
cjfa-15279	27	22	set	set	NOUN
cjfa-15279	27	23	of	of	ADP
cjfa-15279	27	24	payment	payment	NOUN
cjfa-15279	27	25	instruments	instrument	NOUN
cjfa-15279	27	26	,	,	PUNCT
cjfa-15279	27	27	intermediaries	intermediary	NOUN
cjfa-15279	27	28	,	,	PUNCT
cjfa-15279	27	29	rules	rule	NOUN
cjfa-15279	27	30	,	,	PUNCT
cjfa-15279	27	31	procedures	procedure	NOUN
cjfa-15279	27	32	,	,	PUNCT
cjfa-15279	27	33	processes	process	NOUN
cjfa-15279	27	34	,	,	PUNCT
cjfa-15279	27	35	and	and	CCONJ
cjfa-15279	27	36	–	–	PUNCT
cjfa-15279	27	37	most	most	ADV
cjfa-15279	27	38	commonly	commonly	ADV
cjfa-15279	27	39	–	–	PUNCT
cjfa-15279	27	40	interbank	interbank	NOUN
cjfa-15279	27	41	systems	system	NOUN
cjfa-15279	27	42	of	of	ADP
cjfa-15279	27	43	funds	fund	NOUN
cjfa-15279	27	44	transfers	transfer	NOUN
cjfa-15279	27	45	used	use	VERB
cjfa-15279	27	46	to	to	PART
cjfa-15279	27	47	assure	assure	VERB
cjfa-15279	27	48	money	money	NOUN
cjfa-15279	27	49	circulation	circulation	NOUN
cjfa-15279	27	50	in	in	ADP
cjfa-15279	27	51	a	a	DET
cjfa-15279	27	52	particular	particular	ADJ
cjfa-15279	27	53	country	country	NOUN
cjfa-15279	27	54	or	or	CCONJ
cjfa-15279	27	55	area	area	NOUN
cjfa-15279	27	56	of	of	ADP
cjfa-15279	27	57	common	common	ADJ
cjfa-15279	27	58	currency	currency	NOUN
cjfa-15279	27	59	fore	fore	NOUN
cjfa-15279	27	60	,	,	PUNCT
cjfa-15279	27	61	it	it	PRON
cjfa-15279	27	62	can	can	AUX
cjfa-15279	27	63	be	be	AUX
cjfa-15279	27	64	acknowledged	acknowledge	VERB
cjfa-15279	27	65	that	that	SCONJ
cjfa-15279	27	66	it	it	PRON
cjfa-15279	27	67	is	be	AUX
cjfa-15279	27	68	a	a	DET
cjfa-15279	27	69	particular	particular	ADJ
cjfa-15279	27	70	kind	kind	NOUN
cjfa-15279	27	71	of	of	ADP
cjfa-15279	27	72	structure	structure	NOUN
cjfa-15279	27	73	of	of	ADP
cjfa-15279	27	74	tightly	tightly	ADV
cjfa-15279	27	75	interconnected	interconnected	ADJ
cjfa-15279	27	76	and	and	CCONJ
cjfa-15279	27	77	mutually	mutually	ADV
cjfa-15279	27	78	interacting	interact	VERB
cjfa-15279	27	79	elements	element	NOUN
cjfa-15279	27	80	.	.	PUNCT
cjfa-15279	28	1	from	from	ADP
cjfa-15279	28	2	the	the	DET
cjfa-15279	28	3	perspective	perspective	NOUN
cjfa-15279	28	4	of	of	ADP
cjfa-15279	28	5	properly	properly	ADV
cjfa-15279	28	6	understanding	understand	VERB
cjfa-15279	28	7	the	the	DET
cjfa-15279	28	8	specificity	specificity	NOUN
cjfa-15279	28	9	of	of	ADP
cjfa-15279	28	10	payment	payment	NOUN
cjfa-15279	28	11	system	system	NOUN
cjfa-15279	28	12	,	,	PUNCT
cjfa-15279	28	13	it	it	PRON
cjfa-15279	28	14	is	be	AUX
cjfa-15279	28	15	crucial	crucial	ADJ
cjfa-15279	28	16	to	to	PART
cjfa-15279	28	17	determine	determine	VERB
cjfa-15279	28	18	payment	payment	NOUN
cjfa-15279	28	19	instruments	instrument	NOUN
cjfa-15279	28	20	,	,	PUNCT
cjfa-15279	28	21	used	use	VERB
cjfa-15279	28	22	for	for	ADP
cjfa-15279	28	23	money	money	NOUN
cjfa-15279	28	24	transfer	transfer	NOUN
cjfa-15279	28	25	,	,	PUNCT
cjfa-15279	28	26	current	current	ADJ
cjfa-15279	28	27	standards	standard	NOUN
cjfa-15279	28	28	and	and	CCONJ
cjfa-15279	28	29	regulations	regulation	NOUN
cjfa-15279	28	30	of	of	ADP
cjfa-15279	28	31	the	the	DET
cjfa-15279	28	32	functionality	functionality	NOUN
cjfa-15279	28	33	of	of	ADP
cjfa-15279	28	34	payment	payment	NOUN
cjfa-15279	28	35	instruments	instrument	NOUN
cjfa-15279	28	36	,	,	PUNCT
cjfa-15279	28	37	institutions	institution	NOUN
cjfa-15279	28	38	managing	manage	VERB
cjfa-15279	28	39	accounts	account	NOUN
cjfa-15279	28	40	,	,	PUNCT
cjfa-15279	28	41	i.e.	i.e.	X
cjfa-15279	28	42	central	central	ADJ
cjfa-15279	28	43	and	and	CCONJ
cjfa-15279	28	44	commercial	commercial	ADJ
cjfa-15279	28	45	banks	bank	NOUN
cjfa-15279	28	46	that	that	PRON
cjfa-15279	28	47	mediate	mediate	VERB
cjfa-15279	28	48	payments	payment	NOUN
cjfa-15279	28	49	,	,	PUNCT
cjfa-15279	28	50	subjects	subject	NOUN
cjfa-15279	28	51	effecting	effect	VERB
cjfa-15279	28	52	setoff	setoff	NOUN
cjfa-15279	28	53	and	and	CCONJ
cjfa-15279	28	54	settlement	settlement	NOUN
cjfa-15279	28	55	of	of	ADP
cjfa-15279	28	56	payment	payment	NOUN
cjfa-15279	28	57	orders	order	NOUN
cjfa-15279	28	58	,	,	PUNCT
cjfa-15279	28	59	law	law	NOUN
cjfa-15279	28	60	regulations	regulation	NOUN
cjfa-15279	28	61	connected	connect	VERB
cjfa-15279	28	62	to	to	PART
cjfa-15279	28	63	transfer	transfer	VERB
cjfa-15279	28	64	mechanisms	mechanism	NOUN
cjfa-15279	28	65	and	and	CCONJ
cjfa-15279	28	66	functioning	function	VERB
cjfa-15279	28	67	of	of	ADP
cjfa-15279	28	68	payment	payment	NOUN
cjfa-15279	28	69	services	service	NOUN
cjfa-15279	28	70	’	'	PUNCT
cjfa-15279	28	71	market	market	NOUN
cjfa-15279	28	72	.	.	PUNCT
cjfa-15279	29	1	now	now	ADV
cjfa-15279	29	2	,	,	PUNCT
cjfa-15279	29	3	it	it	PRON
cjfa-15279	29	4	should	should	AUX
cjfa-15279	29	5	be	be	AUX
cjfa-15279	29	6	highlighted	highlight	VERB
cjfa-15279	29	7	that	that	SCONJ
cjfa-15279	29	8	potential	potential	ADJ
cjfa-15279	29	9	disfunction	disfunction	NOUN
cjfa-15279	29	10	of	of	ADP
cjfa-15279	29	11	any	any	PRON
cjfa-15279	29	12	of	of	ADP
cjfa-15279	29	13	the	the	DET
cjfa-15279	29	14	mentioned	mention	VERB
cjfa-15279	29	15	elements	element	NOUN
cjfa-15279	29	16	can	can	AUX
cjfa-15279	29	17	result	result	VERB
cjfa-15279	29	18	in	in	ADP
cjfa-15279	29	19	transferring	transfer	VERB
cjfa-15279	29	20	created	create	VERB
cjfa-15279	29	21	fluctuations	fluctuation	NOUN
cjfa-15279	29	22	to	to	ADP
cjfa-15279	29	23	other	other	ADJ
cjfa-15279	29	24	parts	part	NOUN
cjfa-15279	29	25	of	of	ADP
cjfa-15279	29	26	the	the	DET
cjfa-15279	29	27	structure	structure	NOUN
cjfa-15279	29	28	.	.	PUNCT
cjfa-15279	30	1	that	that	SCONJ
cjfa-15279	30	2	in	in	ADP
cjfa-15279	30	3	turn	turn	NOUN
cjfa-15279	30	4	originates	originate	VERB
cjfa-15279	30	5	the	the	DET
cjfa-15279	30	6	domino	domino	NOUN
cjfa-15279	30	7	effect	effect	NOUN
cjfa-15279	30	8	which	which	PRON
cjfa-15279	30	9	can	can	AUX
cjfa-15279	30	10	cause	cause	VERB
cjfa-15279	30	11	danger	danger	NOUN
cjfa-15279	30	12	to	to	ADP
cjfa-15279	30	13	the	the	DET
cjfa-15279	30	14	functioning	functioning	NOUN
cjfa-15279	30	15	of	of	ADP
cjfa-15279	30	16	the	the	DET
cjfa-15279	30	17	system	system	NOUN
cjfa-15279	30	18	as	as	ADP
cjfa-15279	30	19	a	a	DET
cjfa-15279	30	20	whole	whole	NOUN
cjfa-15279	30	21	or	or	CCONJ
cjfa-15279	30	22	of	of	ADP
cjfa-15279	30	23	its	its	PRON
cjfa-15279	30	24	respective	respective	ADJ
cjfa-15279	30	25	elements	element	NOUN
cjfa-15279	30	26	,	,	PUNCT
cjfa-15279	30	27	e.g.	e.g.	ADV
cjfa-15279	30	28	interrelated	interrelated	ADJ
cjfa-15279	30	29	institutions	institution	NOUN
cjfa-15279	30	30	or	or	CCONJ
cjfa-15279	30	31	specific	specific	ADJ
cjfa-15279	30	32	markets	market	NOUN
cjfa-15279	30	33	.	.	PUNCT
cjfa-15279	31	1	in	in	ADP
cjfa-15279	31	2	extreme	extreme	ADJ
cjfa-15279	31	3	situations	situation	NOUN
cjfa-15279	31	4	long	long	ADJ
cjfa-15279	31	5	-	-	PUNCT
cjfa-15279	31	6	term	term	NOUN
cjfa-15279	31	7	system	system	NOUN
cjfa-15279	31	8	inefficiency	inefficiency	NOUN
cjfa-15279	31	9	can	can	AUX
cjfa-15279	31	10	lead	lead	VERB
cjfa-15279	31	11	to	to	ADP
cjfa-15279	31	12	damages	damage	NOUN
cjfa-15279	31	13	in	in	ADP
cjfa-15279	31	14	real	real	ADJ
cjfa-15279	31	15	economy	economy	NOUN
cjfa-15279	31	16	(	(	PUNCT
cjfa-15279	31	17	polityka	polityka	ADJ
cjfa-15279	31	18	…	…	PUNCT
cjfa-15279	31	19	,	,	PUNCT
cjfa-15279	31	20	2015	2015	NUM
cjfa-15279	31	21	)	)	PUNCT
cjfa-15279	31	22	.	.	PUNCT
cjfa-15279	32	1	in	in	ADP
cjfa-15279	32	2	the	the	DET
cjfa-15279	32	3	case	case	NOUN
cjfa-15279	32	4	of	of	ADP
cjfa-15279	32	5	markets	market	NOUN
cjfa-15279	32	6	with	with	ADP
cjfa-15279	32	7	high	high	ADJ
cjfa-15279	32	8	degree	degree	NOUN
cjfa-15279	32	9	of	of	ADP
cjfa-15279	32	10	internationalisation	internationalisation	NOUN
cjfa-15279	32	11	,	,	PUNCT
cjfa-15279	32	12	however	however	ADV
cjfa-15279	32	13	,	,	PUNCT
cjfa-15279	32	14	those	those	DET
cjfa-15279	32	15	damages	damage	NOUN
cjfa-15279	32	16	can	can	AUX
cjfa-15279	32	17	be	be	AUX
cjfa-15279	32	18	transferred	transfer	VERB
cjfa-15279	32	19	to	to	ADP
cjfa-15279	32	20	related	relate	VERB
cjfa-15279	32	21	foreign	foreign	ADJ
cjfa-15279	32	22	subjects	subject	NOUN
cjfa-15279	32	23	.	.	PUNCT
cjfa-15279	33	1	what	what	PRON
cjfa-15279	33	2	turned	turn	VERB
cjfa-15279	33	3	out	out	ADP
cjfa-15279	33	4	to	to	PART
cjfa-15279	33	5	be	be	AUX
cjfa-15279	33	6	crucial	crucial	ADJ
cjfa-15279	33	7	for	for	ADP
cjfa-15279	33	8	the	the	DET
cjfa-15279	33	9	stability	stability	NOUN
cjfa-15279	33	10	of	of	ADP
cjfa-15279	33	11	payment	payment	NOUN
cjfa-15279	33	12	system	system	NOUN
cjfa-15279	33	13	is	be	AUX
cjfa-15279	33	14	the	the	DET
cjfa-15279	33	15	creation	creation	NOUN
cjfa-15279	33	16	and	and	CCONJ
cjfa-15279	33	17	development	development	NOUN
cjfa-15279	33	18	of	of	ADP
cjfa-15279	33	19	settlement	settlement	NOUN
cjfa-15279	33	20	systems	system	NOUN
cjfa-15279	33	21	based	base	VERB
cjfa-15279	33	22	on	on	ADP
cjfa-15279	33	23	rtgs	rtgs	NOUN
cjfa-15279	33	24	technology	technology	NOUN
cjfa-15279	33	25	.	.	PUNCT
cjfa-15279	34	1	the	the	DET
cjfa-15279	34	2	attempts	attempt	NOUN
cjfa-15279	34	3	to	to	PART
cjfa-15279	34	4	systematise	systematise	VERB
cjfa-15279	34	5	the	the	DET
cjfa-15279	34	6	stages	stage	NOUN
cjfa-15279	34	7	of	of	ADP
cjfa-15279	34	8	implementing	implement	VERB
cjfa-15279	34	9	those	those	DET
cjfa-15279	34	10	kinds	kind	NOUN
cjfa-15279	34	11	of	of	ADP
cjfa-15279	34	12	solutions	solution	NOUN
cjfa-15279	34	13	in	in	ADP
cjfa-15279	34	14	banking	banking	NOUN
cjfa-15279	34	15	have	have	AUX
cjfa-15279	34	16	been	be	AUX
cjfa-15279	34	17	made	make	VERB
cjfa-15279	34	18	by	by	ADP
cjfa-15279	34	19	,	,	PUNCT
cjfa-15279	34	20	for	for	ADP
cjfa-15279	34	21	example	example	NOUN
cjfa-15279	34	22	,	,	PUNCT
cjfa-15279	34	23	m.l	m.l	PROPN
cjfa-15279	34	24	.	.	PROPN
cjfa-15279	34	25	bech	bech	PROPN
cjfa-15279	34	26	,	,	PUNCT
cjfa-15279	34	27	ch	ch	NOUN
cjfa-15279	34	28	.	.	NOUN
cjfa-15279	34	29	preisig	preisig	PROPN
cjfa-15279	34	30	and	and	CCONJ
cjfa-15279	34	31	k.	k.	PROPN
cjfa-15279	35	1	soramäki	soramäki	VERB
cjfa-15279	35	2	in	in	ADP
cjfa-15279	35	3	the	the	DET
cjfa-15279	35	4	article	article	NOUN
cjfa-15279	35	5	global	global	ADJ
cjfa-15279	35	6	trends	trend	NOUN
cjfa-15279	35	7	in	in	ADP
cjfa-15279	35	8	large	large	ADJ
cjfa-15279	35	9	-	-	PUNCT
cjfa-15279	35	10	value	value	NOUN
cjfa-15279	35	11	payments	payment	NOUN
cjfa-15279	35	12	(	(	PUNCT
cjfa-15279	35	13	2008	2008	NUM
cjfa-15279	35	14	)	)	PUNCT
cjfa-15279	35	15	.	.	PUNCT
cjfa-15279	36	1	in	in	ADP
cjfa-15279	36	2	it	it	PRON
cjfa-15279	36	3	,	,	PUNCT
cjfa-15279	36	4	the	the	DET
cjfa-15279	36	5	authors	author	NOUN
cjfa-15279	36	6	stress	stress	VERB
cjfa-15279	36	7	that	that	SCONJ
cjfa-15279	36	8	the	the	DET
cjfa-15279	36	9	development	development	NOUN
cjfa-15279	36	10	of	of	ADP
cjfa-15279	36	11	modern	modern	ADJ
cjfa-15279	36	12	information	information	NOUN
cjfa-15279	36	13	and	and	CCONJ
cjfa-15279	36	14	telecommunication	telecommunication	NOUN
cjfa-15279	36	15	technology	technology	NOUN
cjfa-15279	36	16	supported	support	VERB
cjfa-15279	36	17	with	with	ADP
cjfa-15279	36	18	structural	structural	ADJ
cjfa-15279	36	19	changes	change	NOUN
cjfa-15279	36	20	in	in	ADP
cjfa-15279	36	21	banks	bank	NOUN
cjfa-15279	36	22	and	and	CCONJ
cjfa-15279	36	23	related	relate	VERB
cjfa-15279	36	24	in62	in62	PROPN
cjfa-15279	36	25	stitutions	stitution	NOUN
cjfa-15279	36	26	and	and	CCONJ
cjfa-15279	36	27	the	the	DET
cjfa-15279	36	28	simultaneous	simultaneous	ADJ
cjfa-15279	36	29	upgrade	upgrade	NOUN
cjfa-15279	36	30	of	of	ADP
cjfa-15279	36	31	the	the	DET
cjfa-15279	36	32	expertise	expertise	NOUN
cjfa-15279	36	33	of	of	ADP
cjfa-15279	36	34	central	central	ADJ
cjfa-15279	36	35	banks	bank	NOUN
cjfa-15279	36	36	have	have	AUX
cjfa-15279	36	37	had	have	VERB
cjfa-15279	36	38	the	the	DET
cjfa-15279	36	39	immeasurable	immeasurable	ADJ
cjfa-15279	36	40	influence	influence	NOUN
cjfa-15279	36	41	on	on	ADP
cjfa-15279	36	42	popularising	popularise	VERB
cjfa-15279	36	43	the	the	DET
cjfa-15279	36	44	rtgs	rtgs	NOUN
cjfa-15279	36	45	solutions	solution	NOUN
cjfa-15279	36	46	.	.	PUNCT
cjfa-15279	37	1	figure1	figure1	PROPN
cjfa-15279	37	2	.	.	PUNCT
cjfa-15279	38	1	global	global	ADJ
cjfa-15279	38	2	payment	payment	NOUN
cjfa-15279	38	3	system	system	NOUN
cjfa-15279	38	4	infrastructure	infrastructure	NOUN
cjfa-15279	38	5	s	s	PART
cjfa-15279	38	6	o	o	NOUN
cjfa-15279	38	7	u	u	NOUN
cjfa-15279	38	8	r	r	NOUN
cjfa-15279	38	9	c	c	NOUN
cjfa-15279	38	10	e	e	NOUN
cjfa-15279	38	11	:	:	PUNCT
cjfa-15279	38	12	the	the	DET
cjfa-15279	38	13	author	author	NOUN
cjfa-15279	38	14	’s	’s	PART
cjfa-15279	38	15	elaboration	elaboration	NOUN
cjfa-15279	38	16	based	base	VERB
cjfa-15279	38	17	on	on	ADP
cjfa-15279	38	18	:	:	PUNCT
cjfa-15279	38	19	swift	swift	ADJ
cjfa-15279	38	20	response	response	NOUN
cjfa-15279	38	21	to	to	ADP
cjfa-15279	38	22	payment	payment	NOUN
cjfa-15279	38	23	system	system	NOUN
cjfa-15279	38	24	improvement	improvement	NOUN
cjfa-15279	38	25	–	–	PUNCT
cjfa-15279	38	26	public	public	ADJ
cjfa-15279	38	27	consultation	consultation	NOUN
cjfa-15279	38	28	paper	paper	NOUN
cjfa-15279	38	29	,	,	PUNCT
cjfa-15279	38	30	2013	2013	NUM
cjfa-15279	38	31	.	.	PUNCT
cjfa-15279	39	1	popularising	popularise	VERB
cjfa-15279	39	2	the	the	DET
cjfa-15279	39	3	rtgs	rtgs	NOUN
cjfa-15279	39	4	technology	technology	NOUN
cjfa-15279	39	5	was	be	AUX
cjfa-15279	39	6	directly	directly	ADV
cjfa-15279	39	7	connected	connect	VERB
cjfa-15279	39	8	to	to	ADP
cjfa-15279	39	9	activating	activate	VERB
cjfa-15279	39	10	the	the	DET
cjfa-15279	39	11	complementary	complementary	ADJ
cjfa-15279	39	12	hybrid	hybrid	NOUN
cjfa-15279	39	13	,	,	PUNCT
cjfa-15279	39	14	cross	cross	NOUN
cjfa-15279	39	15	-	-	NOUN
cjfa-15279	39	16	border	border	ADJ
cjfa-15279	39	17	,	,	PUNCT
cjfa-15279	39	18	and	and	CCONJ
cjfa-15279	39	19	offshore	offshore	ADJ
cjfa-15279	39	20	systems	system	NOUN
cjfa-15279	39	21	and	and	CCONJ
cjfa-15279	39	22	to	to	ADP
cjfa-15279	39	23	launching	launch	VERB
cjfa-15279	39	24	institutions	institution	NOUN
cjfa-15279	39	25	,	,	PUNCT
cjfa-15279	39	26	i.e.	i.e.	X
cjfa-15279	39	27	continuous	continuous	ADJ
cjfa-15279	39	28	linked	link	VERB
cjfa-15279	39	29	settlement	settlement	NOUN
cjfa-15279	39	30	bank	bank	NOUN
cjfa-15279	39	31	.	.	PUNCT
cjfa-15279	40	1	it	it	PRON
cjfa-15279	40	2	has	have	AUX
cjfa-15279	40	3	sparked	spark	VERB
cjfa-15279	40	4	the	the	DET
cjfa-15279	40	5	immeasurable	immeasurable	ADJ
cjfa-15279	40	6	structural	structural	ADJ
cjfa-15279	40	7	changes	change	NOUN
cjfa-15279	40	8	in	in	ADP
cjfa-15279	40	9	financial	financial	ADJ
cjfa-15279	40	10	institutions	institution	NOUN
cjfa-15279	40	11	.	.	PUNCT
cjfa-15279	41	1	these	these	DET
cjfa-15279	41	2	changes	change	NOUN
cjfa-15279	41	3	have	have	AUX
cjfa-15279	41	4	made	make	VERB
cjfa-15279	41	5	it	it	PRON
cjfa-15279	41	6	possible	possible	ADJ
cjfa-15279	41	7	to	to	PART
cjfa-15279	41	8	limit	limit	VERB
cjfa-15279	41	9	the	the	DET
cjfa-15279	41	10	settlement	settlement	NOUN
cjfa-15279	41	11	risk	risk	NOUN
cjfa-15279	41	12	,	,	PUNCT
cjfa-15279	41	13	reduce	reduce	VERB
cjfa-15279	41	14	the	the	DET
cjfa-15279	41	15	transaction	transaction	NOUN
cjfa-15279	41	16	time	time	NOUN
cjfa-15279	41	17	(	(	PUNCT
cjfa-15279	41	18	settlements	settlement	NOUN
cjfa-15279	41	19	in	in	ADP
cjfa-15279	41	20	immediate	immediate	ADJ
cjfa-15279	41	21	mode	mode	NOUN
cjfa-15279	41	22	)	)	PUNCT
cjfa-15279	41	23	,	,	PUNCT
cjfa-15279	41	24	and	and	CCONJ
cjfa-15279	41	25	optimise	optimise	VERB
cjfa-15279	41	26	the	the	DET
cjfa-15279	41	27	prerequisites	prerequisite	NOUN
cjfa-15279	41	28	of	of	ADP
cjfa-15279	41	29	liquidity	liquidity	NOUN
cjfa-15279	41	30	in	in	ADP
cjfa-15279	41	31	financial	financial	ADJ
cjfa-15279	41	32	institutions	institution	NOUN
cjfa-15279	41	33	.	.	PUNCT
cjfa-15279	42	1	that	that	SCONJ
cjfa-15279	42	2	in	in	ADP
cjfa-15279	42	3	effect	effect	NOUN
cjfa-15279	42	4	has	have	AUX
cjfa-15279	42	5	allowed	allow	VERB
cjfa-15279	42	6	to	to	PART
cjfa-15279	42	7	create	create	VERB
cjfa-15279	42	8	entirely	entirely	ADV
cjfa-15279	42	9	new	new	ADJ
cjfa-15279	42	10	payment	payment	NOUN
cjfa-15279	42	11	models	model	NOUN
cjfa-15279	42	12	,	,	PUNCT
cjfa-15279	42	13	ones	one	NOUN
cjfa-15279	42	14	that	that	PRON
cjfa-15279	42	15	are	be	AUX
cjfa-15279	42	16	not	not	PART
cjfa-15279	42	17	limited	limit	VERB
cjfa-15279	42	18	by	by	ADP
cjfa-15279	42	19	factors	factor	NOUN
cjfa-15279	42	20	such	such	ADJ
cjfa-15279	42	21	as	as	ADP
cjfa-15279	42	22	territorial	territorial	ADJ
cjfa-15279	42	23	affiliation	affiliation	NOUN
cjfa-15279	42	24	or	or	CCONJ
cjfa-15279	42	25	settlement	settlement	NOUN
cjfa-15279	42	26	currency	currency	NOUN
cjfa-15279	42	27	.	.	PUNCT
cjfa-15279	43	1	over	over	ADP
cjfa-15279	43	2	the	the	DET
cjfa-15279	43	3	years	year	NOUN
cjfa-15279	43	4	,	,	PUNCT
cjfa-15279	43	5	the	the	DET
cjfa-15279	43	6	role	role	NOUN
cjfa-15279	43	7	of	of	ADP
cjfa-15279	43	8	central	central	ADJ
cjfa-15279	43	9	banks	bank	NOUN
cjfa-15279	43	10	has	have	AUX
cjfa-15279	43	11	also	also	ADV
cjfa-15279	43	12	drastically	drastically	ADV
cjfa-15279	43	13	changed	change	VERB
cjfa-15279	43	14	.	.	PUNCT
cjfa-15279	44	1	now	now	ADV
cjfa-15279	44	2	,	,	PUNCT
cjfa-15279	44	3	they	they	PRON
cjfa-15279	44	4	have	have	VERB
cjfa-15279	44	5	oversight	oversight	NOUN
cjfa-15279	44	6	function	function	NOUN
cjfa-15279	44	7	over	over	ADP
cjfa-15279	44	8	payment	payment	NOUN
cjfa-15279	44	9	systems	system	NOUN
cjfa-15279	44	10	,	,	PUNCT
cjfa-15279	44	11	in	in	ADP
cjfa-15279	44	12	particular	particular	ADJ
cjfa-15279	44	13	over	over	ADP
cjfa-15279	44	14	its	its	PRON
cjfa-15279	44	15	key	key	ADJ
cjfa-15279	44	16	elements	element	NOUN
cjfa-15279	44	17	which	which	PRON
cjfa-15279	44	18	are	be	AUX
cjfa-15279	44	19	large	large	ADJ
cjfa-15279	44	20	-	-	PUNCT
cjfa-15279	44	21	value	value	NOUN
cjfa-15279	44	22	payment	payment	NOUN
cjfa-15279	44	23	systems	system	NOUN
cjfa-15279	44	24	(	(	PUNCT
cjfa-15279	44	25	bech	bech	PROPN
cjfa-15279	44	26	,	,	PUNCT
cjfa-15279	44	27	preisig	preisig	NOUN
cjfa-15279	44	28	,	,	PUNCT
cjfa-15279	44	29	&	&	CCONJ
cjfa-15279	44	30	soramäki	soramäki	PROPN
cjfa-15279	44	31	,	,	PUNCT
cjfa-15279	44	32	2008	2008	NUM
cjfa-15279	44	33	)	)	PUNCT
cjfa-15279	44	34	.	.	PUNCT
cjfa-15279	45	1	nowadays	nowadays	ADV
cjfa-15279	45	2	,	,	PUNCT
cjfa-15279	45	3	numerous	numerous	ADJ
cjfa-15279	45	4	central	central	ADJ
cjfa-15279	45	5	banks	bank	NOUN
cjfa-15279	45	6	coordinate	coordinate	VERB
cjfa-15279	45	7	the	the	DET
cjfa-15279	45	8	creation	creation	NOUN
cjfa-15279	45	9	or	or	CCONJ
cjfa-15279	45	10	development	development	NOUN
cjfa-15279	45	11	of	of	ADP
cjfa-15279	45	12	the	the	DET
cjfa-15279	45	13	rtgs	rtgs	NOUN
cjfa-15279	45	14	systems	system	NOUN
cjfa-15279	45	15	,	,	PUNCT
cjfa-15279	45	16	often	often	ADV
cjfa-15279	45	17	being	be	AUX
cjfa-15279	45	18	the	the	DET
cjfa-15279	45	19	settlement	settlement	NOUN
cjfa-15279	45	20	agents	agent	NOUN
cjfa-15279	45	21	at	at	ADP
cjfa-15279	45	22	the	the	DET
cjfa-15279	45	23	same	same	ADJ
cjfa-15279	45	24	time	time	NOUN
cjfa-15279	45	25	and	and	CCONJ
cjfa-15279	45	26	,	,	PUNCT
cjfa-15279	45	27	via	via	ADP
cjfa-15279	45	28	the	the	DET
cjfa-15279	45	29	banks	bank	NOUN
cjfa-15279	45	30	,	,	PUNCT
cjfa-15279	45	31	allowing	allow	VERB
cjfa-15279	45	32	the	the	DET
cjfa-15279	45	33	outside	outside	ADJ
cjfa-15279	45	34	operators	operator	NOUN
cjfa-15279	45	35	the	the	DET
cjfa-15279	45	36	settlement	settlement	NOUN
cjfa-15279	45	37	of	of	ADP
cjfa-15279	45	38	performed	perform	VERB
cjfa-15279	45	39	transactions	transaction	NOUN
cjfa-15279	45	40	(	(	PUNCT
cjfa-15279	45	41	instant	instant	ADJ
cjfa-15279	45	42	payment	payment	NOUN
cjfa-15279	45	43	system	system	NOUN
cjfa-15279	45	44	…	…	PUNCT
cjfa-15279	45	45	,	,	PUNCT
cjfa-15279	45	46	2015	2015	NUM
cjfa-15279	45	47	)	)	PUNCT
cjfa-15279	45	48	.	.	PUNCT
cjfa-15279	46	1	it	it	PRON
cjfa-15279	46	2	is	be	AUX
cjfa-15279	46	3	not	not	PART
cjfa-15279	46	4	different	different	ADJ
cjfa-15279	46	5	the	the	DET
cjfa-15279	46	6	role	role	NOUN
cjfa-15279	46	7	of	of	ADP
cjfa-15279	46	8	instant	instant	ADJ
cjfa-15279	46	9	payment	payment	NOUN
cjfa-15279	46	10	systems	system	NOUN
cjfa-15279	46	11	in	in	ADP
cjfa-15279	46	12	the	the	DET
cjfa-15279	46	13	polish	polish	ADJ
cjfa-15279	46	14	economy	economy	NOUN
cjfa-15279	46	15	63	63	NUM
cjfa-15279	46	16	in	in	ADP
cjfa-15279	46	17	the	the	DET
cjfa-15279	46	18	case	case	NOUN
cjfa-15279	46	19	of	of	ADP
cjfa-15279	46	20	the	the	DET
cjfa-15279	46	21	polish	polish	ADJ
cjfa-15279	46	22	payment	payment	NOUN
cjfa-15279	46	23	system	system	NOUN
cjfa-15279	46	24	.	.	PUNCT
cjfa-15279	47	1	the	the	DET
cjfa-15279	47	2	national	national	PROPN
cjfa-15279	47	3	bank	bank	PROPN
cjfa-15279	47	4	of	of	ADP
cjfa-15279	47	5	poland	poland	PROPN
cjfa-15279	47	6	(	(	PUNCT
cjfa-15279	47	7	nbp	nbp	PROPN
cjfa-15279	47	8	)	)	PUNCT
cjfa-15279	47	9	was	be	AUX
cjfa-15279	47	10	the	the	DET
cjfa-15279	47	11	initiator	initiator	NOUN
cjfa-15279	47	12	of	of	ADP
cjfa-15279	47	13	the	the	DET
cjfa-15279	47	14	creation	creation	NOUN
cjfa-15279	47	15	of	of	ADP
cjfa-15279	47	16	the	the	DET
cjfa-15279	47	17	first	first	ADJ
cjfa-15279	47	18	in	in	ADP
cjfa-15279	47	19	poland	poland	PROPN
cjfa-15279	47	20	rtgs	rtgs	PROPN
cjfa-15279	47	21	systems	system	NOUN
cjfa-15279	47	22	called	call	VERB
cjfa-15279	47	23	sorb	sorb	NOUN
cjfa-15279	47	24	and	and	CCONJ
cjfa-15279	47	25	sorbnet	sorbnet	NOUN
cjfa-15279	47	26	(	(	PUNCT
cjfa-15279	47	27	now	now	ADV
cjfa-15279	47	28	sorbnet2	sorbnet2	PROPN
cjfa-15279	47	29	)	)	PUNCT
cjfa-15279	47	30	,	,	PUNCT
cjfa-15279	47	31	which	which	PRON
cjfa-15279	47	32	has	have	AUX
cjfa-15279	47	33	obtained	obtain	VERB
cjfa-15279	47	34	its	its	PRON
cjfa-15279	47	35	full	full	ADJ
cjfa-15279	47	36	operational	operational	ADJ
cjfa-15279	47	37	capaccal	capaccal	ADJ
cjfa-15279	47	38	solutions	solution	NOUN
cjfa-15279	47	39	has	have	AUX
cjfa-15279	47	40	,	,	PUNCT
cjfa-15279	47	41	without	without	ADP
cjfa-15279	47	42	doubt	doubt	NOUN
cjfa-15279	47	43	,	,	PUNCT
cjfa-15279	47	44	influenced	influence	VERB
cjfa-15279	47	45	the	the	DET
cjfa-15279	47	46	polish	polish	ADJ
cjfa-15279	47	47	economy	economy	NOUN
cjfa-15279	47	48	in	in	ADP
cjfa-15279	47	49	the	the	DET
cjfa-15279	47	50	region	region	NOUN
cjfa-15279	47	51	.	.	PUNCT
cjfa-15279	48	1	it	it	PRON
cjfa-15279	48	2	was	be	AUX
cjfa-15279	48	3	also	also	ADV
cjfa-15279	48	4	crucial	crucial	ADJ
cjfa-15279	48	5	from	from	ADP
cjfa-15279	48	6	the	the	DET
cjfa-15279	48	7	perspective	perspective	NOUN
cjfa-15279	48	8	of	of	ADP
cjfa-15279	48	9	potential	potential	ADJ
cjfa-15279	48	10	country	country	NOUN
cjfa-15279	48	11	participation	participation	NOUN
cjfa-15279	48	12	in	in	ADP
cjfa-15279	48	13	the	the	DET
cjfa-15279	48	14	target	target	NOUN
cjfa-15279	48	15	system	system	NOUN
cjfa-15279	48	16	.	.	PUNCT
cjfa-15279	49	1	besides	besides	SCONJ
cjfa-15279	49	2	rtgs	rtgs	NOUN
cjfa-15279	49	3	systems	system	NOUN
cjfa-15279	49	4	,	,	PUNCT
cjfa-15279	49	5	operated	operate	VERB
cjfa-15279	49	6	by	by	ADP
cjfa-15279	49	7	central	central	ADJ
cjfa-15279	49	8	banks	bank	NOUN
cjfa-15279	49	9	,	,	PUNCT
cjfa-15279	49	10	there	there	PRON
cjfa-15279	49	11	are	be	VERB
cjfa-15279	49	12	also	also	ADV
cjfa-15279	49	13	alternative	alternative	ADJ
cjfa-15279	49	14	forms	form	NOUN
cjfa-15279	49	15	of	of	ADP
cjfa-15279	49	16	providing	provide	VERB
cjfa-15279	49	17	instant	instant	ADJ
cjfa-15279	49	18	payment	payment	NOUN
cjfa-15279	49	19	services	service	NOUN
cjfa-15279	49	20	used	use	VERB
cjfa-15279	49	21	in	in	ADP
cjfa-15279	49	22	retail	retail	ADJ
cjfa-15279	49	23	banking	banking	NOUN
cjfa-15279	49	24	,	,	PUNCT
cjfa-15279	49	25	i.e.	i.e.	X
cjfa-15279	49	26	deferred	defer	VERB
cjfa-15279	49	27	net	net	ADJ
cjfa-15279	49	28	settlement	settlement	NOUN
cjfa-15279	49	29	systems	system	NOUN
cjfa-15279	49	30	(	(	PUNCT
cjfa-15279	49	31	dns	dns	NOUN
cjfa-15279	49	32	)	)	PUNCT
cjfa-15279	49	33	or	or	CCONJ
cjfa-15279	49	34	deposit	deposit	NOUN
cjfa-15279	49	35	model	model	NOUN
cjfa-15279	49	36	systems	system	NOUN
cjfa-15279	49	37	(	(	PUNCT
cjfa-15279	49	38	the	the	DET
cjfa-15279	49	39	so	so	ADV
cjfa-15279	49	40	called	call	VERB
cjfa-15279	49	41	hub	hub	PROPN
cjfa-15279	49	42	’s	’s	PART
cjfa-15279	49	43	approach	approach	NOUN
cjfa-15279	49	44	)	)	PUNCT
cjfa-15279	49	45	.	.	PUNCT
cjfa-15279	50	1	the	the	DET
cjfa-15279	50	2	first	first	ADJ
cjfa-15279	50	3	one	one	NOUN
cjfa-15279	50	4	can	can	AUX
cjfa-15279	50	5	be	be	AUX
cjfa-15279	50	6	described	describe	VERB
cjfa-15279	50	7	as	as	ADP
cjfa-15279	50	8	a	a	DET
cjfa-15279	50	9	system	system	NOUN
cjfa-15279	50	10	which	which	PRON
cjfa-15279	50	11	settles	settle	VERB
cjfa-15279	50	12	on	on	ADP
cjfa-15279	50	13	sometimes	sometimes	ADV
cjfa-15279	50	14	during	during	ADP
cjfa-15279	50	15	–	–	PUNCT
cjfa-15279	50	16	the	the	DET
cjfa-15279	50	17	business	business	NOUN
cjfa-15279	50	18	day	day	NOUN
cjfa-15279	50	19	(	(	PUNCT
cjfa-15279	50	20	glossary	glossary	NOUN
cjfa-15279	50	21	of	of	ADP
cjfa-15279	50	22	terms	term	NOUN
cjfa-15279	50	23	related	relate	VERB
cjfa-15279	50	24	…	…	PUNCT
cjfa-15279	50	25	,	,	PUNCT
cjfa-15279	50	26	2009	2009	NUM
cjfa-15279	50	27	)	)	PUNCT
cjfa-15279	50	28	.	.	PUNCT
cjfa-15279	51	1	primarily	primarily	ADV
cjfa-15279	51	2	,	,	PUNCT
cjfa-15279	51	3	it	it	PRON
cjfa-15279	51	4	had	have	AUX
cjfa-15279	51	5	been	be	AUX
cjfa-15279	51	6	used	use	VERB
cjfa-15279	51	7	in	in	ADP
cjfa-15279	51	8	central	central	ADJ
cjfa-15279	51	9	banking	banking	NOUN
cjfa-15279	51	10	but	but	CCONJ
cjfa-15279	51	11	,	,	PUNCT
cjfa-15279	51	12	due	due	ADP
cjfa-15279	51	13	to	to	ADP
cjfa-15279	51	14	the	the	DET
cjfa-15279	51	15	changes	change	NOUN
cjfa-15279	51	16	of	of	ADP
cjfa-15279	51	17	security	security	NOUN
cjfa-15279	51	18	norms	norm	NOUN
cjfa-15279	51	19	,	,	PUNCT
cjfa-15279	51	20	it	it	PRON
cjfa-15279	51	21	has	have	AUX
cjfa-15279	51	22	been	be	AUX
cjfa-15279	51	23	replaced	replace	VERB
cjfa-15279	51	24	by	by	ADP
cjfa-15279	51	25	the	the	DET
cjfa-15279	51	26	rtgs	rtgs	NOUN
cjfa-15279	51	27	systems	system	NOUN
cjfa-15279	51	28	.	.	PUNCT
cjfa-15279	52	1	the	the	DET
cjfa-15279	52	2	fundamental	fundamental	ADJ
cjfa-15279	52	3	difference	difference	NOUN
cjfa-15279	52	4	between	between	ADP
cjfa-15279	52	5	these	these	DET
cjfa-15279	52	6	systems	system	NOUN
cjfa-15279	52	7	is	be	AUX
cjfa-15279	52	8	the	the	DET
cjfa-15279	52	9	balance	balance	NOUN
cjfa-15279	52	10	between	between	ADP
cjfa-15279	52	11	the	the	DET
cjfa-15279	52	12	level	level	NOUN
cjfa-15279	52	13	of	of	ADP
cjfa-15279	52	14	liquidity	liquidity	NOUN
cjfa-15279	52	15	and	and	CCONJ
cjfa-15279	52	16	the	the	DET
cjfa-15279	52	17	risk	risk	NOUN
cjfa-15279	52	18	.	.	PUNCT
cjfa-15279	53	1	generally	generally	ADV
cjfa-15279	53	2	,	,	PUNCT
cjfa-15279	53	3	the	the	DET
cjfa-15279	53	4	dns	dns	NOUN
cjfa-15279	53	5	systems	system	NOUN
cjfa-15279	53	6	require	require	VERB
cjfa-15279	53	7	maintaining	maintain	VERB
cjfa-15279	53	8	much	much	ADV
cjfa-15279	53	9	lower	low	ADJ
cjfa-15279	53	10	liquidity	liquidity	NOUN
cjfa-15279	53	11	level	level	NOUN
cjfa-15279	53	12	but	but	CCONJ
cjfa-15279	53	13	they	they	PRON
cjfa-15279	53	14	generate	generate	VERB
cjfa-15279	53	15	greater	great	ADJ
cjfa-15279	53	16	credit	credit	NOUN
cjfa-15279	53	17	risk	risk	NOUN
cjfa-15279	53	18	(	(	PUNCT
cjfa-15279	53	19	wilson	wilson	PROPN
cjfa-15279	53	20	,	,	PUNCT
cjfa-15279	53	21	2004	2004	NUM
cjfa-15279	53	22	)	)	PUNCT
cjfa-15279	53	23	.	.	PUNCT
cjfa-15279	54	1	despite	despite	SCONJ
cjfa-15279	54	2	the	the	DET
cjfa-15279	54	3	fact	fact	NOUN
cjfa-15279	54	4	that	that	SCONJ
cjfa-15279	54	5	now	now	ADV
cjfa-15279	54	6	dns	dns	NOUN
cjfa-15279	54	7	solutions	solution	NOUN
cjfa-15279	54	8	are	be	AUX
cjfa-15279	54	9	not	not	PART
cjfa-15279	54	10	so	so	ADV
cjfa-15279	54	11	commonly	commonly	ADV
cjfa-15279	54	12	used	use	VERB
cjfa-15279	54	13	in	in	ADP
cjfa-15279	54	14	central	central	ADJ
cjfa-15279	54	15	banking	banking	NOUN
cjfa-15279	54	16	,	,	PUNCT
cjfa-15279	54	17	they	they	PRON
cjfa-15279	54	18	can	can	AUX
cjfa-15279	54	19	be	be	AUX
cjfa-15279	54	20	used	use	VERB
cjfa-15279	54	21	in	in	ADP
cjfa-15279	54	22	retail	retail	ADJ
cjfa-15279	54	23	payments	payment	NOUN
cjfa-15279	54	24	,	,	PUNCT
cjfa-15279	54	25	for	for	ADP
cjfa-15279	54	26	example	example	NOUN
cjfa-15279	54	27	in	in	ADP
cjfa-15279	54	28	polish	polish	ADJ
cjfa-15279	54	29	system	system	NOUN
cjfa-15279	54	30	blue	blue	ADJ
cjfa-15279	54	31	cash	cash	NOUN
cjfa-15279	54	32	.	.	PUNCT
cjfa-15279	55	1	deposit	deposit	NOUN
cjfa-15279	55	2	systems	system	NOUN
cjfa-15279	55	3	assume	assume	VERB
cjfa-15279	55	4	the	the	DET
cjfa-15279	55	5	functioning	functioning	NOUN
cjfa-15279	55	6	of	of	ADP
cjfa-15279	55	7	an	an	DET
cjfa-15279	55	8	independent	independent	ADJ
cjfa-15279	55	9	mediating	mediate	VERB
cjfa-15279	55	10	subject	subject	NOUN
cjfa-15279	55	11	(	(	PUNCT
cjfa-15279	55	12	the	the	DET
cjfa-15279	55	13	so	so	ADV
cjfa-15279	55	14	called	call	VERB
cjfa-15279	55	15	hub	hub	NOUN
cjfa-15279	55	16	)	)	PUNCT
cjfa-15279	55	17	,	,	PUNCT
cjfa-15279	55	18	in	in	ADP
cjfa-15279	55	19	which	which	PRON
cjfa-15279	55	20	the	the	DET
cjfa-15279	55	21	record	record	NOUN
cjfa-15279	55	22	of	of	ADP
cjfa-15279	55	23	individual	individual	ADJ
cjfa-15279	55	24	contributors	contributor	NOUN
cjfa-15279	55	25	’	’	PART
cjfa-15279	55	26	orders	order	NOUN
cjfa-15279	55	27	,	,	PUNCT
cjfa-15279	55	28	that	that	PRON
cjfa-15279	55	29	predates	predate	VERB
cjfa-15279	55	30	the	the	DET
cjfa-15279	55	31	final	final	ADJ
cjfa-15279	55	32	settlement	settlement	NOUN
cjfa-15279	55	33	,	,	PUNCT
cjfa-15279	55	34	is	be	AUX
cjfa-15279	55	35	created	create	VERB
cjfa-15279	55	36	.	.	PUNCT
cjfa-15279	56	1	payments	payment	NOUN
cjfa-15279	56	2	in	in	ADP
cjfa-15279	56	3	these	these	DET
cjfa-15279	56	4	kind	kind	NOUN
cjfa-15279	56	5	of	of	ADP
cjfa-15279	56	6	systems	system	NOUN
cjfa-15279	56	7	are	be	AUX
cjfa-15279	56	8	made	make	VERB
cjfa-15279	56	9	using	use	VERB
cjfa-15279	56	10	the	the	DET
cjfa-15279	56	11	resources	resource	NOUN
cjfa-15279	56	12	banked	bank	VERB
cjfa-15279	56	13	on	on	ADP
cjfa-15279	56	14	special	special	ADJ
cjfa-15279	56	15	accounts	account	NOUN
cjfa-15279	56	16	operated	operate	VERB
cjfa-15279	56	17	by	by	ADP
cjfa-15279	56	18	central	central	ADJ
cjfa-15279	56	19	banks	bank	NOUN
cjfa-15279	56	20	.	.	PUNCT
cjfa-15279	57	1	now	now	ADV
cjfa-15279	57	2	,	,	PUNCT
cjfa-15279	57	3	it	it	PRON
cjfa-15279	57	4	should	should	AUX
cjfa-15279	57	5	be	be	AUX
cjfa-15279	57	6	emphasised	emphasise	VERB
cjfa-15279	57	7	that	that	SCONJ
cjfa-15279	57	8	all	all	DET
cjfa-15279	57	9	executed	execute	VERB
cjfa-15279	57	10	transactions	transaction	NOUN
cjfa-15279	57	11	must	must	AUX
cjfa-15279	57	12	have	have	VERB
cjfa-15279	57	13	full	full	ADJ
cjfa-15279	57	14	coverage	coverage	NOUN
cjfa-15279	57	15	in	in	ADP
cjfa-15279	57	16	the	the	DET
cjfa-15279	57	17	value	value	NOUN
cjfa-15279	57	18	of	of	ADP
cjfa-15279	57	19	the	the	DET
cjfa-15279	57	20	invested	invest	VERB
cjfa-15279	57	21	deposits	deposit	NOUN
cjfa-15279	57	22	.	.	PUNCT
cjfa-15279	58	1	in	in	ADP
cjfa-15279	58	2	case	case	NOUN
cjfa-15279	58	3	of	of	ADP
cjfa-15279	58	4	no	no	DET
cjfa-15279	58	5	liquidity	liquidity	NOUN
cjfa-15279	58	6	,	,	PUNCT
cjfa-15279	58	7	transactions	transaction	NOUN
cjfa-15279	58	8	will	will	AUX
cjfa-15279	58	9	be	be	AUX
cjfa-15279	58	10	stopped	stop	VERB
cjfa-15279	58	11	till	till	SCONJ
cjfa-15279	58	12	the	the	DET
cjfa-15279	58	13	money	money	NOUN
cjfa-15279	58	14	is	be	AUX
cjfa-15279	58	15	replaced	replace	VERB
cjfa-15279	58	16	by	by	ADP
cjfa-15279	58	17	the	the	DET
cjfa-15279	58	18	contributor	contributor	NOUN
cjfa-15279	58	19	.	.	PUNCT
cjfa-15279	59	1	the	the	DET
cjfa-15279	59	2	net	net	ADJ
cjfa-15279	59	3	payment	payment	NOUN
cjfa-15279	59	4	is	be	AUX
cjfa-15279	59	5	conducted	conduct	VERB
cjfa-15279	59	6	in	in	ADP
cjfa-15279	59	7	the	the	DET
cjfa-15279	59	8	clearing	clearing	NOUN
cjfa-15279	59	9	cycles	cycle	NOUN
cjfa-15279	59	10	and	and	CCONJ
cjfa-15279	59	11	the	the	DET
cjfa-15279	59	12	final	final	ADJ
cjfa-15279	59	13	clearing	clearing	NOUN
cjfa-15279	59	14	–	–	PUNCT
cjfa-15279	59	15	during	during	ADP
cjfa-15279	59	16	the	the	DET
cjfa-15279	59	17	clearing	clearing	NOUN
cjfa-15279	59	18	session	session	NOUN
cjfa-15279	59	19	.	.	PUNCT
cjfa-15279	60	1	most	most	ADJ
cjfa-15279	60	2	systems	system	NOUN
cjfa-15279	60	3	have	have	VERB
cjfa-15279	60	4	between	between	ADP
cjfa-15279	60	5	1	1	NUM
cjfa-15279	60	6	and	and	CCONJ
cjfa-15279	60	7	6	6	NUM
cjfa-15279	60	8	clearing	clearing	NOUN
cjfa-15279	60	9	cycles	cycle	NOUN
cjfa-15279	60	10	but	but	CCONJ
cjfa-15279	60	11	there	there	PRON
cjfa-15279	60	12	also	also	ADV
cjfa-15279	60	13	are	be	AUX
cjfa-15279	60	14	the	the	DET
cjfa-15279	60	15	solution	solution	NOUN
cjfa-15279	60	16	’s	’	VERB
cjfa-15279	60	17	allowing	allow	VERB
cjfa-15279	60	18	its	its	PRON
cjfa-15279	60	19	initiation	initiation	NOUN
cjfa-15279	60	20	in	in	ADP
cjfa-15279	60	21	the	the	DET
cjfa-15279	60	22	ad	ad	NOUN
cjfa-15279	60	23	-	-	PUNCT
cjfa-15279	60	24	hoc	hoc	X
cjfa-15279	60	25	mode	mode	NOUN
cjfa-15279	60	26	,	,	PUNCT
cjfa-15279	60	27	british	british	ADJ
cjfa-15279	60	28	faster	fast	ADJ
cjfa-15279	60	29	payments	payment	NOUN
cjfa-15279	60	30	being	be	AUX
cjfa-15279	60	31	the	the	DET
cjfa-15279	60	32	example	example	NOUN
cjfa-15279	60	33	(	(	PUNCT
cjfa-15279	60	34	the	the	DET
cjfa-15279	60	35	global	global	ADJ
cjfa-15279	60	36	adoption	adoption	NOUN
cjfa-15279	60	37	…	…	PUNCT
cjfa-15279	60	38	,	,	PUNCT
cjfa-15279	60	39	2015	2015	NUM
cjfa-15279	60	40	.	.	PUNCT
cjfa-15279	60	41	)	)	PUNCT
cjfa-15279	60	42	.	.	PUNCT
cjfa-15279	61	1	chart	chart	NOUN
cjfa-15279	61	2	2	2	NUM
cjfa-15279	61	3	illustrates	illustrate	VERB
cjfa-15279	61	4	the	the	DET
cjfa-15279	61	5	current	current	ADJ
cjfa-15279	61	6	condition	condition	NOUN
cjfa-15279	61	7	of	of	ADP
cjfa-15279	61	8	the	the	DET
cjfa-15279	61	9	polish	polish	ADJ
cjfa-15279	61	10	payment	payment	NOUN
cjfa-15279	61	11	system	system	NOUN
cjfa-15279	61	12	structure	structure	NOUN
cjfa-15279	61	13	that	that	PRON
cjfa-15279	61	14	contains	contain	VERB
cjfa-15279	61	15	its	its	PRON
cjfa-15279	61	16	key	key	ADJ
cjfa-15279	61	17	elements	element	NOUN
cjfa-15279	61	18	,	,	PUNCT
cjfa-15279	61	19	including	include	VERB
cjfa-15279	61	20	2	2	NUM
cjfa-15279	61	21	most	most	ADV
cjfa-15279	61	22	important	important	ADJ
cjfa-15279	61	23	rtgs	rtgs	NOUN
cjfa-15279	61	24	systems	system	NOUN
cjfa-15279	61	25	,	,	PUNCT
cjfa-15279	61	26	operating	operate	VERB
cjfa-15279	61	27	large	large	ADJ
cjfa-15279	61	28	-	-	PUNCT
cjfa-15279	61	29	value	value	NOUN
cjfa-15279	61	30	payments	payment	NOUN
cjfa-15279	61	31	:	:	PUNCT
cjfa-15279	61	32	sorbnet	sorbnet	NOUN
cjfa-15279	61	33	2	2	NUM
cjfa-15279	61	34	and	and	CCONJ
cjfa-15279	61	35	target2	target2	PROPN
cjfa-15279	61	36	-	-	PUNCT
cjfa-15279	61	37	nbp	nbp	PROPN
cjfa-15279	61	38	and	and	CCONJ
cjfa-15279	61	39	retail	retail	ADJ
cjfa-15279	61	40	instant	instant	ADJ
cjfa-15279	61	41	payment	payment	NOUN
cjfa-15279	61	42	systems	system	NOUN
cjfa-15279	61	43	:	:	PUNCT
cjfa-15279	61	44	express	express	VERB
cjfa-15279	61	45	elixir	elixir	NOUN
cjfa-15279	61	46	and	and	CCONJ
cjfa-15279	61	47	blue	blue	ADJ
cjfa-15279	61	48	cash	cash	NOUN
cjfa-15279	61	49	.	.	PUNCT
cjfa-15279	62	1	64	64	NUM
cjfa-15279	62	2	figure	figure	NOUN
cjfa-15279	62	3	2	2	NUM
cjfa-15279	62	4	.	.	PUNCT
cjfa-15279	62	5	architecture	architecture	NOUN
cjfa-15279	62	6	of	of	ADP
cjfa-15279	62	7	polish	polish	ADJ
cjfa-15279	62	8	payment	payment	NOUN
cjfa-15279	62	9	system	system	NOUN
cjfa-15279	62	10	s	s	PART
cjfa-15279	62	11	o	o	NOUN
cjfa-15279	62	12	u	u	NOUN
cjfa-15279	62	13	r	r	NOUN
cjfa-15279	62	14	c	c	NOUN
cjfa-15279	62	15	e	e	NOUN
cjfa-15279	62	16	:	:	PUNCT
cjfa-15279	62	17	the	the	DET
cjfa-15279	62	18	author	author	NOUN
cjfa-15279	62	19	’s	’s	PART
cjfa-15279	62	20	elaboration	elaboration	NOUN
cjfa-15279	62	21	based	base	VERB
cjfa-15279	62	22	on	on	ADP
cjfa-15279	62	23	:	:	PUNCT
cjfa-15279	62	24	nbp	nbp	PROPN
cjfa-15279	62	25	data	data	PROPN
cjfa-15279	62	26	.	.	PUNCT
cjfa-15279	63	1	central	central	ADJ
cjfa-15279	63	2	place	place	NOUN
cjfa-15279	63	3	in	in	ADP
cjfa-15279	63	4	the	the	DET
cjfa-15279	63	5	structure	structure	NOUN
cjfa-15279	63	6	of	of	ADP
cjfa-15279	63	7	payment	payment	NOUN
cjfa-15279	63	8	system	system	NOUN
cjfa-15279	63	9	is	be	AUX
cjfa-15279	63	10	held	hold	VERB
cjfa-15279	63	11	by	by	ADP
cjfa-15279	63	12	sorbnet2	sorbnet2	PROPN
cjfa-15279	63	13	,	,	PUNCT
cjfa-15279	63	14	managed	manage	VERB
cjfa-15279	63	15	by	by	ADP
cjfa-15279	63	16	the	the	DET
cjfa-15279	63	17	national	national	PROPN
cjfa-15279	63	18	bank	bank	PROPN
cjfa-15279	63	19	of	of	ADP
cjfa-15279	63	20	poland	poland	PROPN
cjfa-15279	63	21	.	.	PUNCT
cjfa-15279	64	1	there	there	ADV
cjfa-15279	64	2	,	,	PUNCT
cjfa-15279	64	3	the	the	DET
cjfa-15279	64	4	final	final	ADJ
cjfa-15279	64	5	settlement	settlement	NOUN
cjfa-15279	64	6	of	of	ADP
cjfa-15279	64	7	most	most	ADJ
cjfa-15279	64	8	payment	payment	NOUN
cjfa-15279	64	9	systems	system	NOUN
cjfa-15279	64	10	functioning	function	VERB
cjfa-15279	64	11	in	in	ADP
cjfa-15279	64	12	poland	poland	PROPN
cjfa-15279	64	13	and	and	CCONJ
cjfa-15279	64	14	securities	security	NOUN
cjfa-15279	64	15	’	'	PUNCT
cjfa-15279	64	16	settlement	settlement	NOUN
cjfa-15279	64	17	system	system	NOUN
cjfa-15279	64	18	is	be	AUX
cjfa-15279	64	19	made	make	VERB
cjfa-15279	64	20	.	.	PUNCT
cjfa-15279	65	1	sorbnet	sorbnet	NOUN
cjfa-15279	65	2	2	2	NUM
cjfa-15279	65	3	system	system	NOUN
cjfa-15279	65	4	belongs	belong	VERB
cjfa-15279	65	5	to	to	ADP
cjfa-15279	65	6	the	the	DET
cjfa-15279	65	7	rtgs	rtgs	NOUN
cjfa-15279	65	8	type	type	NOUN
cjfa-15279	65	9	systems	system	NOUN
cjfa-15279	65	10	,	,	PUNCT
cjfa-15279	65	11	which	which	PRON
cjfa-15279	65	12	means	mean	VERB
cjfa-15279	65	13	that	that	SCONJ
cjfa-15279	65	14	money	money	NOUN
cjfa-15279	65	15	transfer	transfer	NOUN
cjfa-15279	65	16	between	between	ADP
cjfa-15279	65	17	bank	bank	NOUN
cjfa-15279	65	18	accounts	account	NOUN
cjfa-15279	65	19	is	be	AUX
cjfa-15279	65	20	executed	execute	VERB
cjfa-15279	65	21	in	in	ADP
cjfa-15279	65	22	the	the	DET
cjfa-15279	65	23	instant	instant	ADJ
cjfa-15279	65	24	mode	mode	NOUN
cjfa-15279	65	25	during	during	ADP
cjfa-15279	65	26	the	the	DET
cjfa-15279	65	27	whole	whole	ADJ
cjfa-15279	65	28	operating	operating	NOUN
cjfa-15279	65	29	day	day	NOUN
cjfa-15279	65	30	.	.	PUNCT
cjfa-15279	66	1	vital	vital	ADJ
cjfa-15279	66	2	characteristic	characteristic	NOUN
cjfa-15279	66	3	of	of	ADP
cjfa-15279	66	4	the	the	DET
cjfa-15279	66	5	system	system	NOUN
cjfa-15279	66	6	is	be	AUX
cjfa-15279	66	7	also	also	ADV
cjfa-15279	66	8	the	the	DET
cjfa-15279	66	9	fact	fact	NOUN
cjfa-15279	66	10	that	that	SCONJ
cjfa-15279	66	11	payment	payment	NOUN
cjfa-15279	66	12	orders	order	NOUN
cjfa-15279	66	13	executed	execute	VERB
cjfa-15279	66	14	in	in	ADP
cjfa-15279	66	15	it	it	PRON
cjfa-15279	66	16	are	be	AUX
cjfa-15279	66	17	processed	process	VERB
cjfa-15279	66	18	and	and	CCONJ
cjfa-15279	66	19	registered	register	VERB
cjfa-15279	66	20	individually	individually	ADV
cjfa-15279	66	21	,	,	PUNCT
cjfa-15279	66	22	without	without	ADP
cjfa-15279	66	23	the	the	DET
cjfa-15279	66	24	necessity	necessity	NOUN
cjfa-15279	66	25	of	of	ADP
cjfa-15279	66	26	a	a	DET
cjfa-15279	66	27	setoff	setoff	NOUN
cjfa-15279	66	28	with	with	ADP
cjfa-15279	66	29	other	other	ADJ
cjfa-15279	66	30	transactions	transaction	NOUN
cjfa-15279	66	31	(	(	PUNCT
cjfa-15279	66	32	instant	instant	ADJ
cjfa-15279	66	33	payments	payment	NOUN
cjfa-15279	66	34	systems	system	NOUN
cjfa-15279	66	35	…	…	PUNCT
cjfa-15279	66	36	,	,	PUNCT
cjfa-15279	66	37	2015	2015	NUM
cjfa-15279	66	38	)	)	PUNCT
cjfa-15279	66	39	.	.	PUNCT
cjfa-15279	67	1	the	the	DET
cjfa-15279	67	2	main	main	ADJ
cjfa-15279	67	3	goal	goal	NOUN
cjfa-15279	67	4	of	of	ADP
cjfa-15279	67	5	the	the	DET
cjfa-15279	67	6	sorbnet2	sorbnet2	NOUN
cjfa-15279	67	7	system	system	NOUN
cjfa-15279	67	8	is	be	AUX
cjfa-15279	67	9	the	the	DET
cjfa-15279	67	10	management	management	NOUN
cjfa-15279	67	11	of	of	ADP
cjfa-15279	67	12	the	the	DET
cjfa-15279	67	13	current	current	ADJ
cjfa-15279	67	14	bank	bank	NOUN
cjfa-15279	67	15	accounts	account	NOUN
cjfa-15279	67	16	(	(	PUNCT
cjfa-15279	67	17	44	44	NUM
cjfa-15279	67	18	as	as	ADP
cjfa-15279	67	19	of	of	ADP
cjfa-15279	67	20	the	the	DET
cjfa-15279	67	21	first	first	ADJ
cjfa-15279	67	22	half	half	NOUN
cjfa-15279	67	23	of	of	ADP
cjfa-15279	67	24	2016	2016	NUM
cjfa-15279	67	25	)	)	PUNCT
cjfa-15279	67	26	and	and	CCONJ
cjfa-15279	67	27	of	of	ADP
cjfa-15279	67	28	the	the	DET
cjfa-15279	67	29	accounts	account	NOUN
cjfa-15279	67	30	of	of	ADP
cjfa-15279	67	31	three	three	NUM
cjfa-15279	67	32	ancillary	ancillary	ADJ
cjfa-15279	67	33	systems	system	NOUN
cjfa-15279	67	34	operated	operate	VERB
cjfa-15279	67	35	by	by	ADP
cjfa-15279	67	36	:	:	PUNCT
cjfa-15279	67	37	the	the	DET
cjfa-15279	67	38	national	national	PROPN
cjfa-15279	67	39	clearing	clearing	PROPN
cjfa-15279	67	40	house	house	PROPN
cjfa-15279	67	41	(	(	PUNCT
cjfa-15279	67	42	kir	kir	PROPN
cjfa-15279	67	43	)	)	PUNCT
cjfa-15279	67	44	,	,	PUNCT
cjfa-15279	67	45	the	the	DET
cjfa-15279	67	46	central	central	ADJ
cjfa-15279	67	47	securities	security	NOUN
cjfa-15279	67	48	depository	depository	NOUN
cjfa-15279	67	49	of	of	ADP
cjfa-15279	67	50	poland	poland	PROPN
cjfa-15279	67	51	(	(	PUNCT
cjfa-15279	67	52	kdpw	kdpw	PROPN
cjfa-15279	67	53	)	)	PUNCT
cjfa-15279	67	54	and	and	CCONJ
cjfa-15279	67	55	central	central	ADJ
cjfa-15279	67	56	securities	security	NOUN
cjfa-15279	67	57	depository	depository	NOUN
cjfa-15279	67	58	of	of	ADP
cjfa-15279	67	59	poland	poland	PROPN
cjfa-15279	67	60	_	_	PUNCT
cjfa-15279	67	61	central	central	ADJ
cjfa-15279	67	62	counterparty	counterparty	NOUN
cjfa-15279	67	63	(	(	PUNCT
cjfa-15279	67	64	kdpw_ccp	kdpw_ccp	PROPN
cjfa-15279	67	65	)	)	PUNCT
cjfa-15279	67	66	.	.	PUNCT
cjfa-15279	68	1	this	this	DET
cjfa-15279	68	2	system	system	NOUN
cjfa-15279	68	3	operates	operate	VERB
cjfa-15279	68	4	interbank	interbank	NOUN
cjfa-15279	68	5	settlement	settlement	NOUN
cjfa-15279	68	6	,	,	PUNCT
cjfa-15279	68	7	meaning	mean	VERB
cjfa-15279	68	8	operating	operate	VERB
cjfa-15279	68	9	the	the	DET
cjfa-15279	68	10	bank	bank	NOUN
cjfa-15279	68	11	orders	order	NOUN
cjfa-15279	68	12	and	and	CCONJ
cjfa-15279	68	13	the	the	DET
cjfa-15279	68	14	orders	order	NOUN
cjfa-15279	68	15	of	of	ADP
cjfa-15279	68	16	other	other	ADJ
cjfa-15279	68	17	contributors	contributor	NOUN
cjfa-15279	68	18	of	of	ADP
cjfa-15279	68	19	a	a	DET
cjfa-15279	68	20	particular	particular	ADJ
cjfa-15279	68	21	system	system	NOUN
cjfa-15279	68	22	:	:	PUNCT
cjfa-15279	68	23	operations	operation	NOUN
cjfa-15279	68	24	on	on	ADP
cjfa-15279	68	25	interbank	interbank	NOUN
cjfa-15279	68	26	,	,	PUNCT
cjfa-15279	68	27	currency	currency	NOUN
cjfa-15279	68	28	,	,	PUNCT
cjfa-15279	68	29	monetary	monetary	ADJ
cjfa-15279	68	30	,	,	PUNCT
cjfa-15279	68	31	and	and	CCONJ
cjfa-15279	68	32	security	security	NOUN
cjfa-15279	68	33	market	market	NOUN
cjfa-15279	68	34	,	,	PUNCT
cjfa-15279	68	35	and	and	CCONJ
cjfa-15279	68	36	also	also	ADV
cjfa-15279	68	37	purchase	purchase	VERB
cjfa-15279	68	38	or	or	CCONJ
cjfa-15279	68	39	sale	sale	NOUN
cjfa-15279	68	40	of	of	ADP
cjfa-15279	68	41	nbp	nbp	PROPN
cjfa-15279	68	42	’s	’s	PART
cjfa-15279	68	43	currency	currency	NOUN
cjfa-15279	68	44	and	and	CCONJ
cjfa-15279	68	45	of	of	ADP
cjfa-15279	68	46	customers	customer	NOUN
cjfa-15279	68	47	’	'	PUNCT
cjfa-15279	68	48	the	the	DET
cjfa-15279	68	49	role	role	NOUN
cjfa-15279	68	50	of	of	ADP
cjfa-15279	68	51	instant	instant	ADJ
cjfa-15279	68	52	payment	payment	NOUN
cjfa-15279	68	53	systems	system	NOUN
cjfa-15279	68	54	in	in	ADP
cjfa-15279	68	55	the	the	DET
cjfa-15279	68	56	polish	polish	ADJ
cjfa-15279	68	57	economy	economy	NOUN
cjfa-15279	68	58	65	65	NUM
cjfa-15279	68	59	orders	order	NOUN
cjfa-15279	68	60	and	and	CCONJ
cjfa-15279	68	61	the	the	DET
cjfa-15279	68	62	exchange	exchange	NOUN
cjfa-15279	68	63	of	of	ADP
cjfa-15279	68	64	payment	payment	NOUN
cjfa-15279	68	65	orders	order	NOUN
cjfa-15279	68	66	made	make	VERB
cjfa-15279	68	67	by	by	ADP
cjfa-15279	68	68	kir	kir	PROPN
cjfa-15279	68	69	(	(	PUNCT
cjfa-15279	68	70	ocena	ocena	ADJ
cjfa-15279	68	71	funkcjonowania	funkcjonowania	PROPN
cjfa-15279	68	72	polskiego	polskiego	PROPN
cjfa-15279	68	73	systemu	systemu	NOUN
cjfa-15279	68	74	…	…	PROPN
cjfa-15279	68	75	,	,	PUNCT
cjfa-15279	68	76	2016	2016	NUM
cjfa-15279	68	77	)	)	PUNCT
cjfa-15279	68	78	.	.	PUNCT
cjfa-15279	69	1	figure	figure	VERB
cjfa-15279	69	2	3	3	NUM
cjfa-15279	69	3	.	.	PUNCT
cjfa-15279	70	1	the	the	DET
cjfa-15279	70	2	value	value	NOUN
cjfa-15279	70	3	and	and	CCONJ
cjfa-15279	70	4	volume	volume	NOUN
cjfa-15279	70	5	of	of	ADP
cjfa-15279	70	6	payments	payment	NOUN
cjfa-15279	70	7	settled	settle	VERB
cjfa-15279	70	8	in	in	ADP
cjfa-15279	70	9	the	the	DET
cjfa-15279	70	10	sorbnet	sorbnet	ADJ
cjfa-15279	70	11	2	2	NUM
cjfa-15279	70	12	system	system	NOUN
cjfa-15279	70	13	in	in	ADP
cjfa-15279	70	14	the	the	DET
cjfa-15279	70	15	years	year	NOUN
cjfa-15279	70	16	2003–2015	2003–2015	NUM
cjfa-15279	70	17	s	s	PART
cjfa-15279	70	18	o	o	X
cjfa-15279	70	19	u	u	NOUN
cjfa-15279	70	20	r	r	NOUN
cjfa-15279	70	21	c	c	NOUN
cjfa-15279	70	22	e	e	NOUN
cjfa-15279	70	23	:	:	PUNCT
cjfa-15279	70	24	the	the	DET
cjfa-15279	70	25	author	author	NOUN
cjfa-15279	70	26	’s	’s	PART
cjfa-15279	70	27	elaboration	elaboration	NOUN
cjfa-15279	70	28	based	base	VERB
cjfa-15279	70	29	on	on	ADP
cjfa-15279	70	30	:	:	PUNCT
cjfa-15279	70	31	nbp	nbp	PROPN
cjfa-15279	70	32	data	data	PROPN
cjfa-15279	70	33	.	.	PUNCT
cjfa-15279	71	1	the	the	DET
cjfa-15279	71	2	value	value	NOUN
cjfa-15279	71	3	of	of	ADP
cjfa-15279	71	4	transactions	transaction	NOUN
cjfa-15279	71	5	executed	execute	VERB
cjfa-15279	71	6	in	in	ADP
cjfa-15279	71	7	the	the	DET
cjfa-15279	71	8	sorbnet	sorbnet	ADJ
cjfa-15279	71	9	2	2	NUM
cjfa-15279	71	10	system	system	NOUN
cjfa-15279	71	11	,	,	PUNCT
cjfa-15279	71	12	in	in	ADP
cjfa-15279	71	13	the	the	DET
cjfa-15279	71	14	year	year	NOUN
cjfa-15279	71	15	2015	2015	NUM
cjfa-15279	71	16	,	,	PUNCT
cjfa-15279	71	17	was	be	AUX
cjfa-15279	71	18	over	over	ADP
cjfa-15279	71	19	72	72	NUM
cjfa-15279	71	20	trillion	trillion	NUM
cjfa-15279	71	21	pln	pln	NOUN
cjfa-15279	71	22	,	,	PUNCT
cjfa-15279	71	23	40	40	NUM
cjfa-15279	71	24	times	time	NOUN
cjfa-15279	71	25	poland	poland	PROPN
cjfa-15279	71	26	’s	’s	PART
cjfa-15279	71	27	gdp	gdp	NOUN
cjfa-15279	71	28	at	at	ADP
cjfa-15279	71	29	the	the	DET
cjfa-15279	71	30	time	time	NOUN
cjfa-15279	71	31	(	(	PUNCT
cjfa-15279	71	32	1.79	1.79	NUM
cjfa-15279	71	33	trillion	trillion	NUM
cjfa-15279	71	34	pln	pln	NOUN
cjfa-15279	71	35	(	(	PUNCT
cjfa-15279	71	36	gus	gus	NOUN
cjfa-15279	71	37	)	)	PUNCT
cjfa-15279	71	38	)	)	PUNCT
cjfa-15279	71	39	.	.	PUNCT
cjfa-15279	72	1	over	over	ADP
cjfa-15279	72	2	60	60	NUM
cjfa-15279	72	3	%	%	NOUN
cjfa-15279	72	4	of	of	ADP
cjfa-15279	72	5	this	this	DET
cjfa-15279	72	6	value	value	NOUN
cjfa-15279	72	7	consisted	consist	VERB
cjfa-15279	72	8	of	of	ADP
cjfa-15279	72	9	interbank	interbank	NOUN
cjfa-15279	72	10	transactions	transaction	NOUN
cjfa-15279	72	11	,	,	PUNCT
cjfa-15279	72	12	with	with	ADP
cjfa-15279	72	13	only	only	ADV
cjfa-15279	72	14	7	7	NUM
cjfa-15279	72	15	%	%	NOUN
cjfa-15279	72	16	contribution	contribution	NOUN
cjfa-15279	72	17	in	in	ADP
cjfa-15279	72	18	the	the	DET
cjfa-15279	72	19	volume	volume	NOUN
cjfa-15279	72	20	of	of	ADP
cjfa-15279	72	21	payments	payment	NOUN
cjfa-15279	72	22	.	.	PUNCT
cjfa-15279	73	1	this	this	DET
cjfa-15279	73	2	relation	relation	NOUN
cjfa-15279	73	3	greatly	greatly	ADV
cjfa-15279	73	4	results	result	VERB
cjfa-15279	73	5	from	from	ADP
cjfa-15279	73	6	the	the	DET
cjfa-15279	73	7	role	role	NOUN
cjfa-15279	73	8	held	hold	VERB
cjfa-15279	73	9	by	by	ADP
cjfa-15279	73	10	the	the	DET
cjfa-15279	73	11	sorbnet2	sorbnet2	NOUN
cjfa-15279	73	12	system	system	NOUN
cjfa-15279	73	13	in	in	ADP
cjfa-15279	73	14	managing	manage	VERB
cjfa-15279	73	15	nbp	nbp	PROPN
cjfa-15279	73	16	’s	’s	PROPN
cjfa-15279	73	17	bank	bank	PROPN
cjfa-15279	73	18	accounts	account	NOUN
cjfa-15279	73	19	.	.	PUNCT
cjfa-15279	74	1	the	the	DET
cjfa-15279	74	2	remaining	remain	VERB
cjfa-15279	74	3	transaction	transaction	NOUN
cjfa-15279	74	4	value	value	NOUN
cjfa-15279	74	5	consists	consist	VERB
cjfa-15279	74	6	of	of	ADP
cjfa-15279	74	7	customers	customer	NOUN
cjfa-15279	74	8	’	’	PART
cjfa-15279	74	9	orders	order	NOUN
cjfa-15279	74	10	,	,	PUNCT
cjfa-15279	74	11	38.4	38.4	NUM
cjfa-15279	74	12	%	%	NOUN
cjfa-15279	74	13	of	of	ADP
cjfa-15279	74	14	which	which	PRON
cjfa-15279	74	15	were	be	AUX
cjfa-15279	74	16	bank	bank	NOUN
cjfa-15279	74	17	orders	order	NOUN
cjfa-15279	74	18	,	,	PUNCT
cjfa-15279	74	19	2.5	2.5	NUM
cjfa-15279	74	20	%	%	NOUN
cjfa-15279	74	21	national	national	PROPN
cjfa-15279	74	22	clearing	clearing	PROPN
cjfa-15279	74	23	bank	bank	NOUN
cjfa-15279	74	24	’s	’s	PART
cjfa-15279	74	25	orders	order	NOUN
cjfa-15279	74	26	,	,	PUNCT
cjfa-15279	74	27	7.7	7.7	NUM
cjfa-15279	74	28	%	%	NOUN
cjfa-15279	74	29	kdpw	kdpw	NOUN
cjfa-15279	74	30	and	and	CCONJ
cjfa-15279	74	31	kdpw_ccp	kdpw_ccp	PRON
cjfa-15279	74	32	orders	order	NOUN
cjfa-15279	74	33	and	and	CCONJ
cjfa-15279	74	34	51.4	51.4	NUM
cjfa-15279	74	35	%	%	NOUN
cjfa-15279	74	36	were	be	AUX
cjfa-15279	74	37	nbp	nbp	PROPN
cjfa-15279	74	38	’s	’s	PART
cjfa-15279	74	39	orders	order	NOUN
cjfa-15279	74	40	(	(	PUNCT
cjfa-15279	74	41	ocena	ocena	ADJ
cjfa-15279	74	42	funkcjonowania	funkcjonowania	PROPN
cjfa-15279	74	43	polskiego	polskiego	PROPN
cjfa-15279	74	44	systemu	systemu	NOUN
cjfa-15279	74	45	…	…	PROPN
cjfa-15279	74	46	,	,	PUNCT
cjfa-15279	74	47	2016	2016	NUM
cjfa-15279	74	48	)	)	PUNCT
cjfa-15279	74	49	.	.	PUNCT
cjfa-15279	75	1	instant	instant	ADJ
cjfa-15279	75	2	payment	payment	NOUN
cjfa-15279	75	3	standard	standard	NOUN
cjfa-15279	75	4	are	be	AUX
cjfa-15279	75	5	still	still	ADV
cjfa-15279	75	6	some	some	DET
cjfa-15279	75	7	kind	kind	NOUN
cjfa-15279	75	8	of	of	ADP
cjfa-15279	75	9	novelty	novelty	NOUN
cjfa-15279	75	10	in	in	ADP
cjfa-15279	75	11	the	the	DET
cjfa-15279	75	12	segment	segment	NOUN
cjfa-15279	75	13	of	of	ADP
cjfa-15279	75	14	retail	retail	ADJ
cjfa-15279	75	15	payments	payment	NOUN
cjfa-15279	75	16	.	.	PUNCT
cjfa-15279	76	1	in	in	ADP
cjfa-15279	76	2	the	the	DET
cjfa-15279	76	3	year	year	NOUN
cjfa-15279	76	4	2015	2015	NUM
cjfa-15279	76	5	,	,	PUNCT
cjfa-15279	76	6	about	about	ADV
cjfa-15279	76	7	50	50	NUM
cjfa-15279	76	8	%	%	NOUN
cjfa-15279	76	9	of	of	ADP
cjfa-15279	76	10	commerce	commerce	NOUN
cjfa-15279	76	11	banks	bank	NOUN
cjfa-15279	76	12	in	in	ADP
cjfa-15279	76	13	poland	poland	PROPN
cjfa-15279	76	14	have	have	AUX
cjfa-15279	76	15	offered	offer	VERB
cjfa-15279	76	16	services	service	NOUN
cjfa-15279	76	17	of	of	ADP
cjfa-15279	76	18	this	this	DET
cjfa-15279	76	19	kind	kind	NOUN
cjfa-15279	76	20	to	to	ADP
cjfa-15279	76	21	their	their	PRON
cjfa-15279	76	22	customers	customer	NOUN
cjfa-15279	76	23	,	,	PUNCT
cjfa-15279	76	24	63	63	NUM
cjfa-15279	76	25	%	%	NOUN
cjfa-15279	76	26	of	of	ADP
cjfa-15279	76	27	which	which	PRON
cjfa-15279	76	28	were	be	AUX
cjfa-15279	76	29	the	the	DET
cjfa-15279	76	30	biggest	big	ADJ
cjfa-15279	76	31	subjects	subject	NOUN
cjfa-15279	76	32	functioning	function	VERB
cjfa-15279	76	33	on	on	ADP
cjfa-15279	76	34	the	the	DET
cjfa-15279	76	35	market	market	NOUN
cjfa-15279	76	36	(	(	PUNCT
cjfa-15279	76	37	polasik	polasik	NOUN
cjfa-15279	76	38	&	&	CCONJ
cjfa-15279	76	39	piotrowski	piotrowski	PROPN
cjfa-15279	76	40	,	,	PUNCT
cjfa-15279	76	41	2016	2016	NUM
cjfa-15279	76	42	)	)	PUNCT
cjfa-15279	76	43	.	.	PUNCT
cjfa-15279	77	1	apart	apart	ADV
cjfa-15279	77	2	from	from	ADP
cjfa-15279	77	3	a	a	DET
cjfa-15279	77	4	system	system	NOUN
cjfa-15279	77	5	sorbnet2	sorbnet2	NOUN
cjfa-15279	77	6	,	,	PUNCT
cjfa-15279	77	7	there	there	PRON
cjfa-15279	77	8	are	be	VERB
cjfa-15279	77	9	two	two	NUM
cjfa-15279	77	10	independent	independent	ADJ
cjfa-15279	77	11	instant	instant	ADJ
cjfa-15279	77	12	retail	retail	ADJ
cjfa-15279	77	13	payment	payment	NOUN
cjfa-15279	77	14	system	system	NOUN
cjfa-15279	77	15	:	:	PUNCT
cjfa-15279	77	16	express	express	VERB
cjfa-15279	77	17	elixir	elixir	NOUN
cjfa-15279	77	18	and	and	CCONJ
cjfa-15279	77	19	blue	blue	ADJ
cjfa-15279	77	20	cash	cash	NOUN
cjfa-15279	77	21	.	.	PUNCT
cjfa-15279	78	1	this	this	DET
cjfa-15279	78	2	state	state	NOUN
cjfa-15279	78	3	is	be	AUX
cjfa-15279	78	4	a	a	DET
cjfa-15279	78	5	kind	kind	NOUN
cjfa-15279	78	6	of	of	ADP
cjfa-15279	78	7	rarity	rarity	NOUN
cjfa-15279	78	8	,	,	PUNCT
cjfa-15279	78	9	because	because	SCONJ
cjfa-15279	78	10	in	in	ADP
cjfa-15279	78	11	most	most	ADJ
cjfa-15279	78	12	european	european	ADJ
cjfa-15279	78	13	countries	country	NOUN
cjfa-15279	78	14	most	most	ADJ
cjfa-15279	78	15	payment	payment	NOUN
cjfa-15279	78	16	services	service	NOUN
cjfa-15279	78	17	are	be	AUX
cjfa-15279	78	18	provided	provide	VERB
cjfa-15279	78	19	by	by	ADP
cjfa-15279	78	20	single	single	ADJ
cjfa-15279	78	21	entities	entity	NOUN
cjfa-15279	78	22	.	.	PUNCT
cjfa-15279	79	1	such	such	ADJ
cjfa-15279	79	2	division	division	NOUN
cjfa-15279	79	3	definitely	definitely	ADV
cjfa-15279	79	4	raises	raise	VERB
cjfa-15279	79	5	the	the	DET
cjfa-15279	79	6	level	level	NOUN
cjfa-15279	79	7	of	of	ADP
cjfa-15279	79	8	competitiveness	competitiveness	NOUN
cjfa-15279	79	9	and	and	CCONJ
cjfa-15279	79	10	quality	quality	NOUN
cjfa-15279	79	11	of	of	ADP
cjfa-15279	79	12	the	the	DET
cjfa-15279	79	13	services	service	NOUN
cjfa-15279	79	14	provided	provide	VERB
cjfa-15279	79	15	by	by	ADP
cjfa-15279	79	16	individual	individual	ADJ
cjfa-15279	79	17	systems	system	NOUN
cjfa-15279	79	18	.	.	PUNCT
cjfa-15279	80	1	this	this	DET
cjfa-15279	80	2	kind	kind	NOUN
cjfa-15279	80	3	of	of	ADP
cjfa-15279	80	4	diversification	diversification	NOUN
cjfa-15279	80	5	also	also	ADV
cjfa-15279	80	6	66	66	NUM
cjfa-15279	80	7	has	have	VERB
cjfa-15279	80	8	a	a	DET
cjfa-15279	80	9	positive	positive	ADJ
cjfa-15279	80	10	impact	impact	NOUN
cjfa-15279	80	11	on	on	ADP
cjfa-15279	80	12	the	the	DET
cjfa-15279	80	13	security	security	NOUN
cjfa-15279	80	14	of	of	ADP
cjfa-15279	80	15	the	the	DET
cjfa-15279	80	16	polish	polish	ADJ
cjfa-15279	80	17	payment	payment	NOUN
cjfa-15279	80	18	system	system	NOUN
cjfa-15279	80	19	.	.	PUNCT
cjfa-15279	81	1	the	the	DET
cjfa-15279	81	2	creation	creation	NOUN
cjfa-15279	81	3	of	of	ADP
cjfa-15279	81	4	these	these	DET
cjfa-15279	81	5	systems	system	NOUN
cjfa-15279	81	6	has	have	AUX
cjfa-15279	81	7	made	make	VERB
cjfa-15279	81	8	it	it	PRON
cjfa-15279	81	9	possible	possible	ADJ
cjfa-15279	81	10	to	to	PART
cjfa-15279	81	11	pressure	pressure	VERB
cjfa-15279	81	12	off	off	ADP
cjfa-15279	81	13	sorbnet2	sorbnet2	NOUN
cjfa-15279	81	14	from	from	ADP
cjfa-15279	81	15	low	low	ADJ
cjfa-15279	81	16	value	value	NOUN
cjfa-15279	81	17	retail	retail	ADJ
cjfa-15279	81	18	payments	payment	NOUN
cjfa-15279	81	19	.	.	PUNCT
cjfa-15279	82	1	express	express	VERB
cjfa-15279	82	2	elixir	elixir	NOUN
cjfa-15279	82	3	system	system	NOUN
cjfa-15279	82	4	has	have	AUX
cjfa-15279	82	5	been	be	AUX
cjfa-15279	82	6	launched	launch	VERB
cjfa-15279	82	7	in	in	ADP
cjfa-15279	82	8	june	june	PROPN
cjfa-15279	82	9	2012	2012	NUM
cjfa-15279	82	10	,	,	PUNCT
cjfa-15279	82	11	its	its	PRON
cjfa-15279	82	12	operator	operator	NOUN
cjfa-15279	82	13	and	and	CCONJ
cjfa-15279	82	14	owner	owner	NOUN
cjfa-15279	82	15	is	be	AUX
cjfa-15279	82	16	the	the	DET
cjfa-15279	82	17	national	national	ADJ
cjfa-15279	82	18	clearing	clearing	PROPN
cjfa-15279	82	19	house	house	PROPN
cjfa-15279	82	20	.	.	PUNCT
cjfa-15279	83	1	an	an	DET
cjfa-15279	83	2	the	the	DET
cjfa-15279	83	3	end	end	NOUN
cjfa-15279	83	4	of	of	ADP
cjfa-15279	83	5	the	the	DET
cjfa-15279	83	6	year	year	NOUN
cjfa-15279	83	7	2016	2016	NUM
cjfa-15279	83	8	there	there	PRON
cjfa-15279	83	9	were	be	VERB
cjfa-15279	83	10	65	65	NUM
cjfa-15279	83	11	bank	bank	NOUN
cjfa-15279	83	12	subject	subject	NOUN
cjfa-15279	83	13	participating	participate	VERB
cjfa-15279	83	14	in	in	ADP
cjfa-15279	83	15	the	the	DET
cjfa-15279	83	16	system	system	NOUN
cjfa-15279	83	17	.	.	PUNCT
cjfa-15279	84	1	in	in	ADP
cjfa-15279	84	2	contrast	contrast	NOUN
cjfa-15279	84	3	to	to	ADP
cjfa-15279	84	4	the	the	DET
cjfa-15279	84	5	classic	classic	ADJ
cjfa-15279	84	6	settlement	settlement	NOUN
cjfa-15279	84	7	systems	system	NOUN
cjfa-15279	84	8	,	,	PUNCT
cjfa-15279	84	9	in	in	ADP
cjfa-15279	84	10	the	the	DET
cjfa-15279	84	11	case	case	NOUN
cjfa-15279	84	12	of	of	ADP
cjfa-15279	84	13	express	express	ADJ
cjfa-15279	84	14	elixir	elixir	NOUN
cjfa-15279	84	15	all	all	DET
cjfa-15279	84	16	resources	resource	NOUN
cjfa-15279	84	17	necessary	necessary	ADJ
cjfa-15279	84	18	for	for	ADP
cjfa-15279	84	19	executing	execute	VERB
cjfa-15279	84	20	the	the	DET
cjfa-15279	84	21	transaction	transaction	NOUN
cjfa-15279	84	22	are	be	AUX
cjfa-15279	84	23	banked	bank	VERB
cjfa-15279	84	24	in	in	ADP
cjfa-15279	84	25	the	the	DET
cjfa-15279	84	26	national	national	PROPN
cjfa-15279	84	27	bank	bank	PROPN
cjfa-15279	84	28	of	of	ADP
cjfa-15279	84	29	poland	poland	PROPN
cjfa-15279	84	30	.	.	PUNCT
cjfa-15279	85	1	this	this	PRON
cjfa-15279	85	2	means	mean	VERB
cjfa-15279	85	3	that	that	SCONJ
cjfa-15279	85	4	there	there	PRON
cjfa-15279	85	5	are	be	VERB
cjfa-15279	85	6	no	no	DET
cjfa-15279	85	7	intermediate	intermediate	ADJ
cjfa-15279	85	8	subjects	subject	NOUN
cjfa-15279	85	9	in	in	ADP
cjfa-15279	85	10	the	the	DET
cjfa-15279	85	11	payment	payment	NOUN
cjfa-15279	85	12	procedure	procedure	NOUN
cjfa-15279	85	13	,	,	PUNCT
cjfa-15279	85	14	which	which	PRON
cjfa-15279	85	15	in	in	ADP
cjfa-15279	85	16	turn	turn	NOUN
cjfa-15279	85	17	greatly	greatly	ADV
cjfa-15279	85	18	raises	raise	VERB
cjfa-15279	85	19	the	the	DET
cjfa-15279	85	20	effectiveness	effectiveness	NOUN
cjfa-15279	85	21	and	and	CCONJ
cjfa-15279	85	22	safety	safety	NOUN
cjfa-15279	85	23	of	of	ADP
cjfa-15279	85	24	the	the	DET
cjfa-15279	85	25	system	system	NOUN
cjfa-15279	85	26	.	.	PUNCT
cjfa-15279	86	1	the	the	DET
cjfa-15279	86	2	deposits	deposit	NOUN
cjfa-15279	86	3	of	of	ADP
cjfa-15279	86	4	the	the	DET
cjfa-15279	86	5	system	system	NOUN
cjfa-15279	86	6	contributors	contributor	NOUN
cjfa-15279	86	7	are	be	AUX
cjfa-15279	86	8	assembled	assemble	VERB
cjfa-15279	86	9	on	on	ADP
cjfa-15279	86	10	the	the	DET
cjfa-15279	86	11	fiduciary	fiduciary	ADJ
cjfa-15279	86	12	account	account	NOUN
cjfa-15279	86	13	which	which	PRON
cjfa-15279	86	14	is	be	AUX
cjfa-15279	86	15	operated	operate	VERB
cjfa-15279	86	16	in	in	ADP
cjfa-15279	86	17	the	the	DET
cjfa-15279	86	18	sorbnet2	sorbnet2	NOUN
cjfa-15279	86	19	system	system	NOUN
cjfa-15279	86	20	.	.	PUNCT
cjfa-15279	87	1	contributions	contribution	NOUN
cjfa-15279	87	2	brought	bring	VERB
cjfa-15279	87	3	by	by	ADP
cjfa-15279	87	4	particular	particular	ADJ
cjfa-15279	87	5	banks	bank	NOUN
cjfa-15279	87	6	are	be	AUX
cjfa-15279	87	7	the	the	DET
cjfa-15279	87	8	coverage	coverage	NOUN
cjfa-15279	87	9	of	of	ADP
cjfa-15279	87	10	transactions	transaction	NOUN
cjfa-15279	87	11	executed	execute	VERB
cjfa-15279	87	12	by	by	ADP
cjfa-15279	87	13	their	their	PRON
cjfa-15279	87	14	customers	customer	NOUN
cjfa-15279	87	15	.	.	PUNCT
cjfa-15279	88	1	the	the	DET
cjfa-15279	88	2	express	express	ADJ
cjfa-15279	88	3	elixir	elixir	NOUN
cjfa-15279	88	4	system	system	NOUN
cjfa-15279	88	5	,	,	PUNCT
cjfa-15279	88	6	because	because	SCONJ
cjfa-15279	88	7	of	of	ADP
cjfa-15279	88	8	its	its	PRON
cjfa-15279	88	9	retail	retail	ADJ
cjfa-15279	88	10	specifics	specific	NOUN
cjfa-15279	88	11	,	,	PUNCT
cjfa-15279	88	12	has	have	VERB
cjfa-15279	88	13	an	an	DET
cjfa-15279	88	14	upper	upper	ADJ
cjfa-15279	88	15	limit	limit	NOUN
cjfa-15279	88	16	of	of	ADP
cjfa-15279	88	17	the	the	DET
cjfa-15279	88	18	transaction	transaction	NOUN
cjfa-15279	88	19	,	,	PUNCT
cjfa-15279	88	20	which	which	PRON
cjfa-15279	88	21	amounts	amount	VERB
cjfa-15279	88	22	to	to	ADP
cjfa-15279	88	23	100	100	NUM
cjfa-15279	88	24	000	000	NUM
cjfa-15279	88	25	pln	pln	X
cjfa-15279	88	26	(	(	PUNCT
cjfa-15279	88	27	expresselixir.pl	expresselixir.pl	PROPN
cjfa-15279	88	28	)	)	PUNCT
cjfa-15279	88	29	.	.	PUNCT
cjfa-15279	89	1	figure	figure	VERB
cjfa-15279	89	2	4	4	NUM
cjfa-15279	89	3	.	.	PUNCT
cjfa-15279	90	1	the	the	DET
cjfa-15279	90	2	daily	daily	ADJ
cjfa-15279	90	3	volume	volume	NOUN
cjfa-15279	90	4	of	of	ADP
cjfa-15279	90	5	payments	payment	NOUN
cjfa-15279	90	6	in	in	ADP
cjfa-15279	90	7	the	the	DET
cjfa-15279	90	8	express	express	ADJ
cjfa-15279	90	9	elixir	elixir	NOUN
cjfa-15279	90	10	and	and	CCONJ
cjfa-15279	90	11	blue	blue	ADJ
cjfa-15279	90	12	cash	cash	NOUN
cjfa-15279	90	13	systems	system	NOUN
cjfa-15279	90	14	in	in	ADP
cjfa-15279	90	15	the	the	DET
cjfa-15279	90	16	following	follow	VERB
cjfa-15279	90	17	semesters	semester	NOUN
cjfa-15279	90	18	from	from	ADP
cjfa-15279	90	19	the	the	DET
cjfa-15279	90	20	year	year	NOUN
cjfa-15279	90	21	2013	2013	NUM
cjfa-15279	90	22	s	s	PART
cjfa-15279	90	23	o	o	X
cjfa-15279	90	24	u	u	NOUN
cjfa-15279	90	25	r	r	NOUN
cjfa-15279	90	26	c	c	NOUN
cjfa-15279	90	27	e	e	NOUN
cjfa-15279	90	28	:	:	PUNCT
cjfa-15279	90	29	author	author	NOUN
cjfa-15279	90	30	’s	’s	PART
cjfa-15279	90	31	elaboration	elaboration	NOUN
cjfa-15279	90	32	based	base	VERB
cjfa-15279	90	33	on	on	ADP
cjfa-15279	90	34	:	:	PUNCT
cjfa-15279	90	35	nbp	nbp	PROPN
cjfa-15279	90	36	data	data	PROPN
cjfa-15279	90	37	.	.	PUNCT
cjfa-15279	91	1	blue	blue	ADJ
cjfa-15279	91	2	cash	cash	NOUN
cjfa-15279	91	3	system	system	NOUN
cjfa-15279	91	4	is	be	AUX
cjfa-15279	91	5	an	an	DET
cjfa-15279	91	6	alternative	alternative	NOUN
cjfa-15279	91	7	to	to	ADP
cjfa-15279	91	8	the	the	DET
cjfa-15279	91	9	express	express	ADJ
cjfa-15279	91	10	elixir	elixir	NOUN
cjfa-15279	91	11	.	.	PUNCT
cjfa-15279	92	1	in	in	ADP
cjfa-15279	92	2	contrast	contrast	NOUN
cjfa-15279	92	3	to	to	ADP
cjfa-15279	92	4	the	the	DET
cjfa-15279	92	5	express	express	ADJ
cjfa-15279	92	6	elixir	elixir	NOUN
cjfa-15279	92	7	he	he	PRON
cjfa-15279	92	8	does	do	AUX
cjfa-15279	92	9	not	not	PART
cjfa-15279	92	10	have	have	VERB
cjfa-15279	92	11	one	one	NUM
cjfa-15279	92	12	dedicated	dedicated	ADJ
cjfa-15279	92	13	account	account	NOUN
cjfa-15279	92	14	common	common	ADJ
cjfa-15279	92	15	to	to	ADP
cjfa-15279	92	16	all	all	DET
cjfa-15279	92	17	participants	participant	NOUN
cjfa-15279	92	18	.	.	PUNCT
cjfa-15279	93	1	the	the	DET
cjfa-15279	93	2	operations	operation	NOUN
cjfa-15279	93	3	executed	execute	VERB
cjfa-15279	93	4	in	in	ADP
cjfa-15279	93	5	it	it	PRON
cjfa-15279	93	6	happen	happen	VERB
cjfa-15279	93	7	on	on	ADP
cjfa-15279	93	8	the	the	DET
cjfa-15279	93	9	basis	basis	NOUN
cjfa-15279	93	10	of	of	ADP
cjfa-15279	93	11	resource	resource	NOUN
cjfa-15279	93	12	transfer	transfer	NOUN
cjfa-15279	93	13	between	between	ADP
cjfa-15279	93	14	bank	bank	NOUN
cjfa-15279	93	15	accounts	account	NOUN
cjfa-15279	93	16	that	that	PRON
cjfa-15279	93	17	participate	participate	VERB
cjfa-15279	93	18	in	in	ADP
cjfa-15279	93	19	the	the	DET
cjfa-15279	93	20	system	system	NOUN
cjfa-15279	93	21	(	(	PUNCT
cjfa-15279	93	22	bm.pl	bm.pl	NOUN
cjfa-15279	93	23	)	)	PUNCT
cjfa-15279	93	24	.	.	PUNCT
cjfa-15279	94	1	in	in	ADP
cjfa-15279	94	2	practice	practice	NOUN
cjfa-15279	94	3	,	,	PUNCT
cjfa-15279	94	4	this	this	DET
cjfa-15279	94	5	system	system	NOUN
cjfa-15279	94	6	is	be	AUX
cjfa-15279	94	7	based	base	VERB
cjfa-15279	94	8	on	on	ADP
cjfa-15279	94	9	the	the	DET
cjfa-15279	94	10	transposition	transposition	NOUN
cjfa-15279	94	11	of	of	ADP
cjfa-15279	94	12	interbank	interbank	NOUN
cjfa-15279	94	13	transfer	transfer	NOUN
cjfa-15279	94	14	to	to	ADP
cjfa-15279	94	15	two	two	NUM
cjfa-15279	94	16	interbank	interbank	NOUN
cjfa-15279	94	17	the	the	DET
cjfa-15279	94	18	role	role	NOUN
cjfa-15279	94	19	of	of	ADP
cjfa-15279	94	20	instant	instant	ADJ
cjfa-15279	94	21	payment	payment	NOUN
cjfa-15279	94	22	systems	system	NOUN
cjfa-15279	94	23	in	in	ADP
cjfa-15279	94	24	the	the	DET
cjfa-15279	94	25	polish	polish	ADJ
cjfa-15279	94	26	economy	economy	NOUN
cjfa-15279	94	27	67	67	NUM
cjfa-15279	94	28	transfers	transfer	NOUN
cjfa-15279	94	29	,	,	PUNCT
cjfa-15279	94	30	which	which	PRON
cjfa-15279	94	31	are	be	AUX
cjfa-15279	94	32	executed	execute	VERB
cjfa-15279	94	33	on	on	ADP
cjfa-15279	94	34	the	the	DET
cjfa-15279	94	35	special	special	ADJ
cjfa-15279	94	36	intermediate	intermediate	ADJ
cjfa-15279	94	37	accounts	account	NOUN
cjfa-15279	94	38	of	of	ADP
cjfa-15279	94	39	the	the	DET
cjfa-15279	94	40	operator	operator	NOUN
cjfa-15279	94	41	–	–	PUNCT
cjfa-15279	94	42	blue	blue	ADJ
cjfa-15279	94	43	media	medium	NOUN
cjfa-15279	94	44	company	company	NOUN
cjfa-15279	94	45	(	(	PUNCT
cjfa-15279	94	46	kunkowski	kunkowski	ADJ
cjfa-15279	94	47	,	,	PUNCT
cjfa-15279	94	48	2013	2013	NUM
cjfa-15279	94	49	)	)	PUNCT
cjfa-15279	94	50	.	.	PUNCT
cjfa-15279	95	1	in	in	ADP
cjfa-15279	95	2	the	the	DET
cjfa-15279	95	3	year	year	NOUN
cjfa-15279	95	4	2016	2016	NUM
cjfa-15279	95	5	,	,	PUNCT
cjfa-15279	95	6	there	there	PRON
cjfa-15279	95	7	were	be	VERB
cjfa-15279	95	8	112	112	NUM
cjfa-15279	95	9	bank	bank	NOUN
cjfa-15279	95	10	institutions	institution	NOUN
cjfa-15279	95	11	participating	participate	VERB
cjfa-15279	95	12	in	in	ADP
cjfa-15279	95	13	this	this	DET
cjfa-15279	95	14	system	system	NOUN
cjfa-15279	95	15	.	.	PUNCT
cjfa-15279	96	1	blue	blue	ADJ
cjfa-15279	96	2	cash	cash	NOUN
cjfa-15279	96	3	system	system	NOUN
cjfa-15279	96	4	is	be	AUX
cjfa-15279	96	5	not	not	PART
cjfa-15279	96	6	rtgs	rtgs	NOUN
cjfa-15279	96	7	system	system	NOUN
cjfa-15279	96	8	in	in	ADP
cjfa-15279	96	9	the	the	DET
cjfa-15279	96	10	full	full	ADJ
cjfa-15279	96	11	sense	sense	NOUN
cjfa-15279	96	12	of	of	ADP
cjfa-15279	96	13	the	the	DET
cjfa-15279	96	14	word	word	NOUN
cjfa-15279	96	15	.	.	PUNCT
cjfa-15279	97	1	initially	initially	ADV
cjfa-15279	97	2	,	,	PUNCT
cjfa-15279	97	3	in	in	ADP
cjfa-15279	97	4	this	this	DET
cjfa-15279	97	5	system	system	NOUN
cjfa-15279	97	6	a	a	DET
cjfa-15279	97	7	maximum	maximum	ADJ
cjfa-15279	97	8	value	value	NOUN
cjfa-15279	97	9	of	of	ADP
cjfa-15279	97	10	transaction	transaction	NOUN
cjfa-15279	97	11	was	be	AUX
cjfa-15279	97	12	set	set	VERB
cjfa-15279	97	13	only	only	ADV
cjfa-15279	97	14	for	for	ADP
cjfa-15279	97	15	5	5	NUM
cjfa-15279	97	16	000	000	NUM
cjfa-15279	97	17	pln	pln	NOUN
cjfa-15279	97	18	,	,	PUNCT
cjfa-15279	97	19	but	but	CCONJ
cjfa-15279	97	20	in	in	ADP
cjfa-15279	97	21	short	short	ADJ
cjfa-15279	97	22	period	period	NOUN
cjfa-15279	97	23	of	of	ADP
cjfa-15279	97	24	time	time	NOUN
cjfa-15279	97	25	it	it	PRON
cjfa-15279	97	26	was	be	AUX
cjfa-15279	97	27	decided	decide	VERB
cjfa-15279	97	28	to	to	PART
cjfa-15279	97	29	increase	increase	VERB
cjfa-15279	97	30	it	it	PRON
cjfa-15279	97	31	to	to	ADP
cjfa-15279	97	32	20	20	NUM
cjfa-15279	97	33	000	000	NUM
cjfa-15279	97	34	pln	pln	PROPN
cjfa-15279	97	35	(	(	PUNCT
cjfa-15279	97	36	bm.pl	bm.pl	PROPN
cjfa-15279	97	37	)	)	PUNCT
cjfa-15279	97	38	.	.	PUNCT
cjfa-15279	98	1	both	both	DET
cjfa-15279	98	2	systems	system	NOUN
cjfa-15279	98	3	described	describe	VERB
cjfa-15279	98	4	in	in	ADP
cjfa-15279	98	5	the	the	DET
cjfa-15279	98	6	article	article	NOUN
cjfa-15279	98	7	function	function	VERB
cjfa-15279	98	8	on	on	ADP
cjfa-15279	98	9	the	the	DET
cjfa-15279	98	10	polish	polish	ADJ
cjfa-15279	98	11	market	market	NOUN
cjfa-15279	98	12	relatively	relatively	ADV
cjfa-15279	98	13	short	short	ADJ
cjfa-15279	98	14	.	.	PUNCT
cjfa-15279	99	1	they	they	PRON
cjfa-15279	99	2	offer	offer	VERB
cjfa-15279	99	3	their	their	PRON
cjfa-15279	99	4	clients	client	NOUN
cjfa-15279	99	5	homogenous	homogenous	ADJ
cjfa-15279	99	6	service	service	NOUN
cjfa-15279	99	7	of	of	ADP
cjfa-15279	99	8	intermediate	intermediate	ADJ
cjfa-15279	99	9	transfers	transfer	NOUN
cjfa-15279	99	10	in	in	ADP
cjfa-15279	99	11	pln	pln	PROPN
cjfa-15279	99	12	,	,	PUNCT
cjfa-15279	99	13	without	without	ADP
cjfa-15279	99	14	any	any	DET
cjfa-15279	99	15	time	time	NOUN
cjfa-15279	99	16	limitations	limitation	NOUN
cjfa-15279	99	17	.	.	PUNCT
cjfa-15279	100	1	from	from	ADP
cjfa-15279	100	2	the	the	DET
cjfa-15279	100	3	chart	chart	NOUN
cjfa-15279	100	4	above	above	ADP
cjfa-15279	100	5	one	one	PRON
cjfa-15279	100	6	can	can	AUX
cjfa-15279	100	7	observe	observe	VERB
cjfa-15279	100	8	that	that	SCONJ
cjfa-15279	100	9	the	the	DET
cjfa-15279	100	10	number	number	NOUN
cjfa-15279	100	11	of	of	ADP
cjfa-15279	100	12	orders	order	NOUN
cjfa-15279	100	13	executed	execute	VERB
cjfa-15279	100	14	in	in	ADP
cjfa-15279	100	15	these	these	DET
cjfa-15279	100	16	systems	system	NOUN
cjfa-15279	100	17	shows	show	VERB
cjfa-15279	100	18	a	a	DET
cjfa-15279	100	19	different	different	ADJ
cjfa-15279	100	20	trend	trend	NOUN
cjfa-15279	100	21	.	.	PUNCT
cjfa-15279	101	1	blue	blue	ADJ
cjfa-15279	101	2	cash	cash	NOUN
cjfa-15279	101	3	is	be	AUX
cjfa-15279	101	4	,	,	PUNCT
cjfa-15279	101	5	in	in	ADP
cjfa-15279	101	6	contrast	contrast	NOUN
cjfa-15279	101	7	to	to	PART
cjfa-15279	101	8	express	express	VERB
cjfa-15279	101	9	elixir	elixir	NOUN
cjfa-15279	101	10	,	,	PUNCT
cjfa-15279	101	11	characterised	characterise	VERB
cjfa-15279	101	12	by	by	ADP
cjfa-15279	101	13	the	the	DET
cjfa-15279	101	14	dynamic	dynamic	ADJ
cjfa-15279	101	15	growth	growth	NOUN
cjfa-15279	101	16	of	of	ADP
cjfa-15279	101	17	volume	volume	NOUN
cjfa-15279	101	18	of	of	ADP
cjfa-15279	101	19	executed	execute	VERB
cjfa-15279	101	20	payment	payment	NOUN
cjfa-15279	101	21	orders	order	NOUN
cjfa-15279	101	22	.	.	PUNCT
cjfa-15279	102	1	it	it	PRON
cjfa-15279	102	2	can	can	AUX
cjfa-15279	102	3	result	result	VERB
cjfa-15279	102	4	from	from	ADP
cjfa-15279	102	5	the	the	DET
cjfa-15279	102	6	fact	fact	NOUN
cjfa-15279	102	7	that	that	SCONJ
cjfa-15279	102	8	bluemedia	bluemedia	PROPN
cjfa-15279	102	9	company	company	NOUN
cjfa-15279	102	10	has	have	AUX
cjfa-15279	102	11	more	more	ADJ
cjfa-15279	102	12	system	system	NOUN
cjfa-15279	102	13	contributors	contributor	NOUN
cjfa-15279	102	14	,	,	PUNCT
cjfa-15279	102	15	many	many	ADJ
cjfa-15279	102	16	of	of	ADP
cjfa-15279	102	17	which	which	PRON
cjfa-15279	102	18	are	be	AUX
cjfa-15279	102	19	represented	represent	VERB
cjfa-15279	102	20	by	by	ADP
cjfa-15279	102	21	the	the	DET
cjfa-15279	102	22	co	co	ADJ
cjfa-15279	102	23	-	-	ADJ
cjfa-15279	102	24	operative	operative	ADJ
cjfa-15279	102	25	banks	bank	NOUN
cjfa-15279	102	26	(	(	PUNCT
cjfa-15279	102	27	bm.pl	bm.pl	PROPN
cjfa-15279	102	28	)	)	PUNCT
cjfa-15279	102	29	.	.	PUNCT
cjfa-15279	103	1	however	however	ADV
cjfa-15279	103	2	,	,	PUNCT
cjfa-15279	103	3	these	these	DET
cjfa-15279	103	4	transactions	transaction	NOUN
cjfa-15279	103	5	are	be	AUX
cjfa-15279	103	6	much	much	ADV
cjfa-15279	103	7	more	more	ADV
cjfa-15279	103	8	divided	divided	ADJ
cjfa-15279	103	9	than	than	ADP
cjfa-15279	103	10	in	in	ADP
cjfa-15279	103	11	the	the	DET
cjfa-15279	103	12	case	case	NOUN
cjfa-15279	103	13	of	of	ADP
cjfa-15279	103	14	express	express	ADJ
cjfa-15279	103	15	elixir	elixir	NOUN
cjfa-15279	103	16	.	.	PUNCT
cjfa-15279	104	1	in	in	ADP
cjfa-15279	104	2	the	the	DET
cjfa-15279	104	3	first	first	ADJ
cjfa-15279	104	4	half	half	NOUN
cjfa-15279	104	5	of	of	ADP
cjfa-15279	104	6	2016	2016	NUM
cjfa-15279	104	7	,	,	PUNCT
cjfa-15279	104	8	the	the	DET
cjfa-15279	104	9	value	value	NOUN
cjfa-15279	104	10	of	of	ADP
cjfa-15279	104	11	transactions	transaction	NOUN
cjfa-15279	104	12	in	in	ADP
cjfa-15279	104	13	the	the	DET
cjfa-15279	104	14	blue	blue	ADJ
cjfa-15279	104	15	cash	cash	NOUN
cjfa-15279	104	16	system	system	NOUN
cjfa-15279	104	17	was	be	AUX
cjfa-15279	104	18	2	2	NUM
cjfa-15279	104	19	185	185	NUM
cjfa-15279	104	20	bn	bn	NOUN
cjfa-15279	104	21	pln	pln	PROPN
cjfa-15279	104	22	,	,	PUNCT
cjfa-15279	104	23	the	the	DET
cjfa-15279	104	24	agreed	agree	VERB
cjfa-15279	104	25	order	order	NOUN
cjfa-15279	104	26	amount	amount	NOUN
cjfa-15279	104	27	fluctuates	fluctuate	NOUN
cjfa-15279	104	28	at	at	ADP
cjfa-15279	104	29	about	about	ADV
cjfa-15279	104	30	1	1	NUM
cjfa-15279	104	31	245	245	NUM
cjfa-15279	104	32	pln	pln	NOUN
cjfa-15279	104	33	.	.	PUNCT
cjfa-15279	105	1	in	in	ADP
cjfa-15279	105	2	the	the	DET
cjfa-15279	105	3	analogous	analogous	ADJ
cjfa-15279	105	4	period	period	NOUN
cjfa-15279	105	5	in	in	ADP
cjfa-15279	105	6	the	the	DET
cjfa-15279	105	7	euro	euro	NOUN
cjfa-15279	105	8	elixir	elixir	NOUN
cjfa-15279	105	9	noted	note	VERB
cjfa-15279	105	10	transaction	transaction	NOUN
cjfa-15279	105	11	value	value	NOUN
cjfa-15279	105	12	were	be	AUX
cjfa-15279	105	13	twice	twice	ADV
cjfa-15279	105	14	as	as	ADV
cjfa-15279	105	15	big	big	ADJ
cjfa-15279	105	16	,	,	PUNCT
cjfa-15279	105	17	it	it	PRON
cjfa-15279	105	18	was	be	AUX
cjfa-15279	105	19	estimated	estimate	VERB
cjfa-15279	105	20	to	to	PART
cjfa-15279	105	21	be	be	AUX
cjfa-15279	105	22	4	4	NUM
cjfa-15279	105	23	439	439	NUM
cjfa-15279	105	24	bn	bn	NUM
cjfa-15279	105	25	pln	pln	PROPN
cjfa-15279	105	26	,	,	PUNCT
cjfa-15279	105	27	with	with	ADP
cjfa-15279	105	28	the	the	DET
cjfa-15279	105	29	average	average	ADJ
cjfa-15279	105	30	order	order	NOUN
cjfa-15279	105	31	amount	amount	NOUN
cjfa-15279	105	32	of	of	ADP
cjfa-15279	105	33	4	4	NUM
cjfa-15279	105	34	064	064	NUM
cjfa-15279	105	35	pln	pln	NOUN
cjfa-15279	105	36	.	.	PUNCT
cjfa-15279	106	1	despite	despite	SCONJ
cjfa-15279	106	2	the	the	DET
cjfa-15279	106	3	leading	lead	VERB
cjfa-15279	106	4	role	role	NOUN
cjfa-15279	106	5	of	of	ADP
cjfa-15279	106	6	euro	euro	NOUN
cjfa-15279	106	7	elixir	elixir	NOUN
cjfa-15279	106	8	,	,	PUNCT
cjfa-15279	106	9	it	it	PRON
cjfa-15279	106	10	is	be	AUX
cjfa-15279	106	11	important	important	ADJ
cjfa-15279	106	12	to	to	PART
cjfa-15279	106	13	point	point	VERB
cjfa-15279	106	14	out	out	ADP
cjfa-15279	106	15	that	that	SCONJ
cjfa-15279	106	16	in	in	ADP
cjfa-15279	106	17	the	the	DET
cjfa-15279	106	18	system	system	NOUN
cjfa-15279	106	19	of	of	ADP
cjfa-15279	106	20	retail	retail	ADJ
cjfa-15279	106	21	payments	payment	NOUN
cjfa-15279	106	22	it	it	PRON
cjfa-15279	106	23	is	be	AUX
cjfa-15279	106	24	blue	blue	ADJ
cjfa-15279	106	25	cash	cash	NOUN
cjfa-15279	106	26	system	system	NOUN
cjfa-15279	106	27	that	that	PRON
cjfa-15279	106	28	is	be	AUX
cjfa-15279	106	29	characterised	characterise	VERB
cjfa-15279	106	30	by	by	ADP
cjfa-15279	106	31	much	much	ADV
cjfa-15279	106	32	faster	fast	ADJ
cjfa-15279	106	33	development	development	NOUN
cjfa-15279	106	34	trend	trend	NOUN
cjfa-15279	106	35	.	.	PUNCT
cjfa-15279	107	1	it	it	PRON
cjfa-15279	107	2	can	can	AUX
cjfa-15279	107	3	be	be	AUX
cjfa-15279	107	4	seen	see	VERB
cjfa-15279	107	5	in	in	ADP
cjfa-15279	107	6	both	both	CCONJ
cjfa-15279	107	7	the	the	DET
cjfa-15279	107	8	growth	growth	NOUN
cjfa-15279	107	9	of	of	ADP
cjfa-15279	107	10	the	the	DET
cjfa-15279	107	11	executed	execute	VERB
cjfa-15279	107	12	orders	order	NOUN
cjfa-15279	107	13	,	,	PUNCT
cjfa-15279	107	14	which	which	PRON
cjfa-15279	107	15	in	in	ADP
cjfa-15279	107	16	the	the	DET
cjfa-15279	107	17	turn	turn	NOUN
cjfa-15279	107	18	of	of	ADP
cjfa-15279	107	19	the	the	DET
cjfa-15279	107	20	years	year	NOUN
cjfa-15279	107	21	2015	2015	NUM
cjfa-15279	107	22	and	and	CCONJ
cjfa-15279	107	23	2016	2016	NUM
cjfa-15279	107	24	was	be	AUX
cjfa-15279	107	25	over	over	ADP
cjfa-15279	107	26	46	46	NUM
cjfa-15279	107	27	%	%	NOUN
cjfa-15279	107	28	and	and	CCONJ
cjfa-15279	107	29	in	in	ADP
cjfa-15279	107	30	the	the	DET
cjfa-15279	107	31	dynamic	dynamic	ADJ
cjfa-15279	107	32	growth	growth	NOUN
cjfa-15279	107	33	of	of	ADP
cjfa-15279	107	34	banks	bank	NOUN
cjfa-15279	107	35	participating	participate	VERB
cjfa-15279	107	36	in	in	ADP
cjfa-15279	107	37	this	this	DET
cjfa-15279	107	38	system	system	NOUN
cjfa-15279	107	39	(	(	PUNCT
cjfa-15279	107	40	ocena	ocena	ADJ
cjfa-15279	107	41	funkcjonowania	funkcjonowania	PROPN
cjfa-15279	107	42	polskiego	polskiego	PROPN
cjfa-15279	107	43	systemu	systemu	NOUN
cjfa-15279	107	44	…	…	PROPN
cjfa-15279	107	45	,	,	PUNCT
cjfa-15279	107	46	2016	2016	NUM
cjfa-15279	107	47	)	)	PUNCT
cjfa-15279	107	48	.	.	PUNCT
cjfa-15279	108	1	the	the	DET
cjfa-15279	108	2	average	average	ADJ
cjfa-15279	108	3	value	value	NOUN
cjfa-15279	108	4	of	of	ADP
cjfa-15279	108	5	such	such	ADJ
cjfa-15279	108	6	transactions	transaction	NOUN
cjfa-15279	108	7	in	in	ADP
cjfa-15279	108	8	those	those	DET
cjfa-15279	108	9	systems	system	NOUN
cjfa-15279	108	10	is	be	AUX
cjfa-15279	108	11	far	far	ADV
cjfa-15279	108	12	from	from	ADP
cjfa-15279	108	13	upper	upper	ADJ
cjfa-15279	108	14	limits	limit	NOUN
cjfa-15279	108	15	they	they	PRON
cjfa-15279	108	16	offer	offer	VERB
cjfa-15279	108	17	,	,	PUNCT
cjfa-15279	108	18	which	which	PRON
cjfa-15279	108	19	confirms	confirm	VERB
cjfa-15279	108	20	that	that	SCONJ
cjfa-15279	108	21	these	these	PRON
cjfa-15279	108	22	are	be	AUX
cjfa-15279	108	23	concentrated	concentrate	VERB
cjfa-15279	108	24	on	on	ADP
cjfa-15279	108	25	providing	provide	VERB
cjfa-15279	108	26	their	their	PRON
cjfa-15279	108	27	services	service	NOUN
cjfa-15279	108	28	for	for	ADP
cjfa-15279	108	29	individual	individual	ADJ
cjfa-15279	108	30	clients	client	NOUN
cjfa-15279	108	31	.	.	PUNCT
cjfa-15279	109	1	the	the	DET
cjfa-15279	109	2	polish	polish	ADJ
cjfa-15279	109	3	payment	payment	NOUN
cjfa-15279	109	4	system	system	NOUN
cjfa-15279	109	5	is	be	AUX
cjfa-15279	109	6	lacks	lack	VERB
cjfa-15279	109	7	the	the	DET
cjfa-15279	109	8	alternatives	alternative	NOUN
cjfa-15279	109	9	to	to	ADP
cjfa-15279	109	10	instant	instant	ADJ
cjfa-15279	109	11	payment	payment	NOUN
cjfa-15279	109	12	for	for	ADP
cjfa-15279	109	13	customers	customer	NOUN
cjfa-15279	109	14	whose	whose	DET
cjfa-15279	109	15	transfers	transfer	NOUN
cjfa-15279	109	16	oscillate	oscillate	VERB
cjfa-15279	109	17	in	in	ADP
cjfa-15279	109	18	the	the	DET
cjfa-15279	109	19	range	range	NOUN
cjfa-15279	109	20	above	above	ADP
cjfa-15279	109	21	100	100	NUM
cjfa-15279	109	22	thousand	thousand	NUM
cjfa-15279	109	23	pln	pln	NOUN
cjfa-15279	109	24	to	to	ADP
cjfa-15279	109	25	1	1	NUM
cjfa-15279	109	26	million	million	NUM
cjfa-15279	109	27	pln	pln	NOUN
cjfa-15279	109	28	.	.	PUNCT
cjfa-15279	110	1	consequently	consequently	ADV
cjfa-15279	110	2	all	all	DET
cjfa-15279	110	3	customers	customer	NOUN
cjfa-15279	110	4	'	'	PART
cjfa-15279	110	5	orders	order	NOUN
cjfa-15279	110	6	of	of	ADP
cjfa-15279	110	7	this	this	DET
cjfa-15279	110	8	type	type	NOUN
cjfa-15279	110	9	(	(	PUNCT
cjfa-15279	110	10	classified	classify	VERB
cjfa-15279	110	11	as	as	ADP
cjfa-15279	110	12	retail	retail	NOUN
cjfa-15279	110	13	)	)	PUNCT
cjfa-15279	110	14	must	must	AUX
cjfa-15279	110	15	be	be	AUX
cjfa-15279	110	16	settled	settle	VERB
cjfa-15279	110	17	in	in	ADP
cjfa-15279	110	18	sorbnet2	sorbnet2	PROPN
cjfa-15279	110	19	which	which	PRON
cjfa-15279	110	20	is	be	AUX
cjfa-15279	110	21	a	a	DET
cjfa-15279	110	22	dedicated	dedicated	ADJ
cjfa-15279	110	23	system	system	NOUN
cjfa-15279	110	24	for	for	ADP
cjfa-15279	110	25	settlement	settlement	NOUN
cjfa-15279	110	26	of	of	ADP
cjfa-15279	110	27	large	large	ADJ
cjfa-15279	110	28	-	-	PUNCT
cjfa-15279	110	29	value	value	NOUN
cjfa-15279	110	30	payments	payment	NOUN
cjfa-15279	110	31	.	.	PUNCT
cjfa-15279	111	1	relatively	relatively	ADV
cjfa-15279	111	2	low	low	ADJ
cjfa-15279	111	3	cost	cost	NOUN
cjfa-15279	111	4	of	of	ADP
cjfa-15279	111	5	transfer	transfer	NOUN
cjfa-15279	111	6	fees	fee	NOUN
cjfa-15279	111	7	and	and	CCONJ
cjfa-15279	111	8	their	their	PRON
cjfa-15279	111	9	general	general	ADJ
cjfa-15279	111	10	availability	availability	NOUN
cjfa-15279	111	11	may	may	AUX
cjfa-15279	111	12	contribute	contribute	VERB
cjfa-15279	111	13	to	to	ADP
cjfa-15279	111	14	the	the	DET
cjfa-15279	111	15	excessive	excessive	ADJ
cjfa-15279	111	16	burden	burden	NOUN
cjfa-15279	111	17	of	of	ADP
cjfa-15279	111	18	this	this	DET
cjfa-15279	111	19	central	central	ADJ
cjfa-15279	111	20	system	system	NOUN
cjfa-15279	111	21	in	in	ADP
cjfa-15279	111	22	the	the	DET
cjfa-15279	111	23	future	future	NOUN
cjfa-15279	111	24	.	.	PUNCT
cjfa-15279	112	1	according	accord	VERB
cjfa-15279	112	2	to	to	ADP
cjfa-15279	112	3	the	the	DET
cjfa-15279	112	4	author	author	NOUN
cjfa-15279	112	5	in	in	ADP
cjfa-15279	112	6	order	order	NOUN
cjfa-15279	112	7	to	to	PART
cjfa-15279	112	8	avoid	avoid	VERB
cjfa-15279	112	9	problems	problem	NOUN
cjfa-15279	112	10	with	with	ADP
cjfa-15279	112	11	the	the	DET
cjfa-15279	112	12	functional	functional	ADJ
cjfa-15279	112	13	capacity	capacity	NOUN
cjfa-15279	112	14	of	of	ADP
cjfa-15279	112	15	the	the	DET
cjfa-15279	112	16	sorbnet2	sorbnet2	NOUN
cjfa-15279	112	17	system	system	NOUN
cjfa-15279	112	18	,	,	PUNCT
cjfa-15279	112	19	changes	change	NOUN
cjfa-15279	112	20	should	should	AUX
cjfa-15279	112	21	be	be	AUX
cjfa-15279	112	22	implemented	implement	VERB
cjfa-15279	112	23	in	in	ADP
cjfa-15279	112	24	the	the	DET
cjfa-15279	112	25	already	already	ADV
cjfa-15279	112	26	operated	operate	VERB
cjfa-15279	112	27	retail	retail	ADJ
cjfa-15279	112	28	instant	instant	ADJ
cjfa-15279	112	29	payments	payment	NOUN
cjfa-15279	112	30	systems	system	NOUN
cjfa-15279	112	31	for	for	ADP
cjfa-15279	112	32	example	example	NOUN
cjfa-15279	112	33	,	,	PUNCT
cjfa-15279	112	34	by	by	ADP
cjfa-15279	112	35	raising	raise	VERB
cjfa-15279	112	36	the	the	DET
cjfa-15279	112	37	upper	upper	ADJ
cjfa-15279	112	38	limits	limit	NOUN
cjfa-15279	112	39	of	of	ADP
cjfa-15279	112	40	transactions	transaction	NOUN
cjfa-15279	112	41	.	.	PUNCT
cjfa-15279	113	1	this	this	DET
cjfa-15279	113	2	kind	kind	NOUN
cjfa-15279	113	3	of	of	ADP
cjfa-15279	113	4	solution	solution	NOUN
cjfa-15279	113	5	was	be	AUX
cjfa-15279	113	6	implemented	implement	VERB
cjfa-15279	113	7	in	in	ADP
cjfa-15279	113	8	the	the	DET
cjfa-15279	113	9	uk	uk	PROPN
cjfa-15279	113	10	faster	fast	ADJ
cjfa-15279	113	11	payments	payment	NOUN
cjfa-15279	113	12	system	system	NOUN
cjfa-15279	113	13	.	.	PUNCT
cjfa-15279	114	1	in	in	ADP
cjfa-15279	114	2	this	this	DET
cjfa-15279	114	3	system	system	NOUN
cjfa-15279	114	4	instant	instant	NOUN
cjfa-15279	114	5	68	68	NUM
cjfa-15279	114	6	payment	payment	NOUN
cjfa-15279	114	7	limits	limit	NOUN
cjfa-15279	114	8	are	be	AUX
cjfa-15279	114	9	determined	determine	VERB
cjfa-15279	114	10	on	on	ADP
cjfa-15279	114	11	the	the	DET
cjfa-15279	114	12	basis	basis	NOUN
cjfa-15279	114	13	of	of	ADP
cjfa-15279	114	14	factors	factor	NOUN
cjfa-15279	114	15	such	such	ADJ
cjfa-15279	114	16	as	as	ADP
cjfa-15279	114	17	client	client	NOUN
cjfa-15279	114	18	classification	classification	NOUN
cjfa-15279	114	19	and	and	CCONJ
cjfa-15279	114	20	the	the	DET
cjfa-15279	114	21	manner	manner	NOUN
cjfa-15279	114	22	of	of	ADP
cjfa-15279	114	23	implementing	implement	VERB
cjfa-15279	114	24	a	a	DET
cjfa-15279	114	25	transaction	transaction	NOUN
cjfa-15279	114	26	,	,	PUNCT
cjfa-15279	114	27	taking	take	VERB
cjfa-15279	114	28	into	into	ADP
cjfa-15279	114	29	account	account	NOUN
cjfa-15279	114	30	what	what	PRON
cjfa-15279	114	31	bank	bank	NOUN
cjfa-15279	114	32	mediates	mediate	VERB
cjfa-15279	114	33	the	the	DET
cjfa-15279	114	34	translation	translation	NOUN
cjfa-15279	114	35	.	.	PUNCT
cjfa-15279	115	1	consequently	consequently	ADV
cjfa-15279	115	2	,	,	PUNCT
cjfa-15279	115	3	depending	depend	VERB
cjfa-15279	115	4	on	on	ADP
cjfa-15279	115	5	the	the	DET
cjfa-15279	115	6	specifics	specific	NOUN
cjfa-15279	115	7	of	of	ADP
cjfa-15279	115	8	a	a	DET
cjfa-15279	115	9	particular	particular	ADJ
cjfa-15279	115	10	transaction	transaction	NOUN
cjfa-15279	115	11	their	their	PRON
cjfa-15279	115	12	upper	upper	ADJ
cjfa-15279	115	13	limits	limit	NOUN
cjfa-15279	115	14	range	range	VERB
cjfa-15279	115	15	from	from	ADP
cjfa-15279	115	16	9	9	NUM
cjfa-15279	115	17	999	999	NUM
cjfa-15279	115	18	to	to	ADP
cjfa-15279	115	19	even	even	ADV
cjfa-15279	115	20	£	£	SYM
cjfa-15279	115	21	250	250	NUM
cjfa-15279	115	22	000	000	NUM
cjfa-15279	115	23	(	(	PUNCT
cjfa-15279	115	24	fasterpayments.org.uk	fasterpayments.org.uk	PROPN
cjfa-15279	115	25	)	)	PUNCT
cjfa-15279	115	26	.	.	PUNCT
cjfa-15279	116	1	there	there	PRON
cjfa-15279	116	2	is	be	VERB
cjfa-15279	116	3	no	no	DET
cjfa-15279	116	4	question	question	NOUN
cjfa-15279	116	5	that	that	SCONJ
cjfa-15279	116	6	a	a	DET
cjfa-15279	116	7	working	work	VERB
cjfa-15279	116	8	payment	payment	NOUN
cjfa-15279	116	9	system	system	NOUN
cjfa-15279	116	10	is	be	AUX
cjfa-15279	116	11	vital	vital	ADJ
cjfa-15279	116	12	for	for	ADP
cjfa-15279	116	13	the	the	DET
cjfa-15279	116	14	functioning	functioning	NOUN
cjfa-15279	116	15	of	of	ADP
cjfa-15279	116	16	the	the	DET
cjfa-15279	116	17	country	country	NOUN
cjfa-15279	116	18	’s	’s	PART
cjfa-15279	116	19	economy	economy	NOUN
cjfa-15279	116	20	.	.	PUNCT
cjfa-15279	117	1	its	its	PRON
cjfa-15279	117	2	effectiveness	effectiveness	NOUN
cjfa-15279	117	3	greatly	greatly	ADV
cjfa-15279	117	4	results	result	VERB
cjfa-15279	117	5	form	form	VERB
cjfa-15279	117	6	the	the	DET
cjfa-15279	117	7	possibility	possibility	NOUN
cjfa-15279	117	8	of	of	ADP
cjfa-15279	117	9	making	make	VERB
cjfa-15279	117	10	large	large	ADJ
cjfa-15279	117	11	-	-	PUNCT
cjfa-15279	117	12	value	value	NOUN
cjfa-15279	117	13	payments	payment	NOUN
cjfa-15279	117	14	in	in	ADP
cjfa-15279	117	15	the	the	DET
cjfa-15279	117	16	real	real	ADJ
cjfa-15279	117	17	time	time	NOUN
cjfa-15279	117	18	.	.	PUNCT
cjfa-15279	118	1	in	in	ADP
cjfa-15279	118	2	this	this	DET
cjfa-15279	118	3	article	article	NOUN
cjfa-15279	118	4	,	,	PUNCT
cjfa-15279	118	5	it	it	PRON
cjfa-15279	118	6	has	have	AUX
cjfa-15279	118	7	been	be	AUX
cjfa-15279	118	8	numerously	numerously	ADV
cjfa-15279	118	9	highlighted	highlight	VERB
cjfa-15279	118	10	that	that	SCONJ
cjfa-15279	118	11	implementing	implement	VERB
cjfa-15279	118	12	the	the	DET
cjfa-15279	118	13	rtgs	rtgs	NOUN
cjfa-15279	118	14	technology	technology	NOUN
cjfa-15279	118	15	have	have	VERB
cjfa-15279	118	16	the	the	DET
cjfa-15279	118	17	immeasurable	immeasurable	ADJ
cjfa-15279	118	18	impact	impact	NOUN
cjfa-15279	118	19	on	on	ADP
cjfa-15279	118	20	the	the	DET
cjfa-15279	118	21	improvement	improvement	NOUN
cjfa-15279	118	22	of	of	ADP
cjfa-15279	118	23	security	security	NOUN
cjfa-15279	118	24	and	and	CCONJ
cjfa-15279	118	25	speed	speed	NOUN
cjfa-15279	118	26	of	of	ADP
cjfa-15279	118	27	transaction	transaction	NOUN
cjfa-15279	118	28	in	in	ADP
cjfa-15279	118	29	the	the	DET
cjfa-15279	118	30	macroeconomic	macroeconomic	ADJ
cjfa-15279	118	31	scale	scale	NOUN
cjfa-15279	118	32	.	.	PUNCT
cjfa-15279	119	1	thanks	thank	NOUN
cjfa-15279	119	2	to	to	ADP
cjfa-15279	119	3	the	the	DET
cjfa-15279	119	4	sorbnet2	sorbnet2	PROPN
cjfa-15279	119	5	systems	system	NOUN
cjfa-15279	119	6	,	,	PUNCT
cjfa-15279	119	7	the	the	DET
cjfa-15279	119	8	uninterrupted	uninterrupted	ADJ
cjfa-15279	119	9	money	money	NOUN
cjfa-15279	119	10	circulation	circulation	NOUN
cjfa-15279	119	11	inside	inside	ADP
cjfa-15279	119	12	the	the	DET
cjfa-15279	119	13	country	country	NOUN
cjfa-15279	119	14	’s	’s	PART
cjfa-15279	119	15	economy	economy	NOUN
cjfa-15279	119	16	.	.	PUNCT
cjfa-15279	120	1	technological	technological	ADJ
cjfa-15279	120	2	solutions	solution	NOUN
cjfa-15279	120	3	drawn	draw	VERB
cjfa-15279	120	4	from	from	ADP
cjfa-15279	120	5	the	the	DET
cjfa-15279	120	6	rtgs	rtgs	NOUN
cjfa-15279	120	7	technology	technology	NOUN
cjfa-15279	120	8	work	work	NOUN
cjfa-15279	120	9	also	also	ADV
cjfa-15279	120	10	in	in	ADP
cjfa-15279	120	11	retail	retail	ADJ
cjfa-15279	120	12	payments	payment	NOUN
cjfa-15279	120	13	.	.	PUNCT
cjfa-15279	121	1	poland	poland	PROPN
cjfa-15279	121	2	,	,	PUNCT
cjfa-15279	121	3	for	for	ADP
cjfa-15279	121	4	some	some	DET
cjfa-15279	121	5	time	time	NOUN
cjfa-15279	121	6	now	now	ADV
cjfa-15279	121	7	,	,	PUNCT
cjfa-15279	121	8	is	be	AUX
cjfa-15279	121	9	thought	think	VERB
cjfa-15279	121	10	to	to	PART
cjfa-15279	121	11	be	be	AUX
cjfa-15279	121	12	the	the	DET
cjfa-15279	121	13	forerunner	forerunner	NOUN
cjfa-15279	121	14	of	of	ADP
cjfa-15279	121	15	innovational	innovational	ADJ
cjfa-15279	121	16	solutions	solution	NOUN
cjfa-15279	121	17	in	in	ADP
cjfa-15279	121	18	payments	payment	NOUN
cjfa-15279	121	19	technology	technology	NOUN
cjfa-15279	121	20	.	.	PUNCT
cjfa-15279	122	1	the	the	DET
cjfa-15279	122	2	fact	fact	NOUN
cjfa-15279	122	3	is	be	AUX
cjfa-15279	122	4	confirmed	confirm	VERB
cjfa-15279	122	5	by	by	ADP
cjfa-15279	122	6	the	the	DET
cjfa-15279	122	7	creation	creation	NOUN
cjfa-15279	122	8	of	of	ADP
cjfa-15279	122	9	two	two	NUM
cjfa-15279	122	10	instant	instant	ADJ
cjfa-15279	122	11	payment	payment	NOUN
cjfa-15279	122	12	systems	system	NOUN
cjfa-15279	122	13	:	:	PUNCT
cjfa-15279	122	14	express	express	VERB
cjfa-15279	122	15	elixir	elixir	NOUN
cjfa-15279	122	16	and	and	CCONJ
cjfa-15279	122	17	blue	blue	ADJ
cjfa-15279	122	18	cash	cash	NOUN
cjfa-15279	122	19	in	in	ADP
cjfa-15279	122	20	relatively	relatively	ADV
cjfa-15279	122	21	short	short	ADJ
cjfa-15279	122	22	time	time	NOUN
cjfa-15279	122	23	.	.	PUNCT
cjfa-15279	123	1	the	the	DET
cjfa-15279	123	2	systems	system	NOUN
cjfa-15279	123	3	gain	gain	VERB
cjfa-15279	123	4	in	in	ADP
cjfa-15279	123	5	the	the	DET
cjfa-15279	123	6	popularity	popularity	NOUN
cjfa-15279	123	7	among	among	ADP
cjfa-15279	123	8	the	the	DET
cjfa-15279	123	9	customers	customer	NOUN
cjfa-15279	123	10	,	,	PUNCT
cjfa-15279	123	11	what	what	PRON
cjfa-15279	123	12	is	be	AUX
cjfa-15279	123	13	confirmed	confirm	VERB
cjfa-15279	123	14	by	by	ADP
cjfa-15279	123	15	the	the	DET
cjfa-15279	123	16	statistical	statistical	ADJ
cjfa-15279	123	17	data	datum	NOUN
cjfa-15279	123	18	showing	show	VERB
cjfa-15279	123	19	significant	significant	ADJ
cjfa-15279	123	20	spike	spike	NOUN
cjfa-15279	123	21	of	of	ADP
cjfa-15279	123	22	transactions	transaction	NOUN
cjfa-15279	123	23	value	value	NOUN
cjfa-15279	123	24	and	and	CCONJ
cjfa-15279	123	25	of	of	ADP
cjfa-15279	123	26	volume	volume	NOUN
cjfa-15279	123	27	of	of	ADP
cjfa-15279	123	28	executed	execute	VERB
cjfa-15279	123	29	orders	order	NOUN
cjfa-15279	123	30	.	.	PUNCT
cjfa-15279	124	1	despite	despite	SCONJ
cjfa-15279	124	2	the	the	DET
cjfa-15279	124	3	growing	grow	VERB
cjfa-15279	124	4	popularity	popularity	NOUN
cjfa-15279	124	5	of	of	ADP
cjfa-15279	124	6	instant	instant	ADJ
cjfa-15279	124	7	payment	payment	NOUN
cjfa-15279	124	8	,	,	PUNCT
cjfa-15279	124	9	only	only	ADV
cjfa-15279	124	10	few	few	ADJ
cjfa-15279	124	11	banks	bank	NOUN
cjfa-15279	124	12	offer	offer	VERB
cjfa-15279	124	13	their	their	PRON
cjfa-15279	124	14	customers	customer	NOUN
cjfa-15279	124	15	these	these	DET
cjfa-15279	124	16	kinds	kind	NOUN
cjfa-15279	124	17	of	of	ADP
cjfa-15279	124	18	solutions	solution	NOUN
cjfa-15279	124	19	and	and	CCONJ
cjfa-15279	124	20	that	that	SCONJ
cjfa-15279	124	21	delays	delay	VERB
cjfa-15279	124	22	in	in	ADP
cjfa-15279	124	23	some	some	DET
cjfa-15279	124	24	way	way	NOUN
cjfa-15279	124	25	the	the	DET
cjfa-15279	124	26	popularisation	popularisation	NOUN
cjfa-15279	124	27	of	of	ADP
cjfa-15279	124	28	this	this	DET
cjfa-15279	124	29	type	type	NOUN
cjfa-15279	124	30	of	of	ADP
cjfa-15279	124	31	payments	payment	NOUN
cjfa-15279	124	32	.	.	PUNCT
cjfa-15279	125	1	one	one	NUM
cjfa-15279	125	2	of	of	ADP
cjfa-15279	125	3	the	the	DET
cjfa-15279	125	4	weakness	weakness	NOUN
cjfa-15279	125	5	of	of	ADP
cjfa-15279	125	6	these	these	DET
cjfa-15279	125	7	systems	system	NOUN
cjfa-15279	125	8	may	may	AUX
cjfa-15279	125	9	also	also	ADV
cjfa-15279	125	10	be	be	AUX
cjfa-15279	125	11	a	a	DET
cjfa-15279	125	12	relatively	relatively	ADV
cjfa-15279	125	13	low	low	ADJ
cjfa-15279	125	14	limit	limit	NOUN
cjfa-15279	125	15	of	of	ADP
cjfa-15279	125	16	transactions	transaction	NOUN
cjfa-15279	125	17	,	,	PUNCT
cjfa-15279	125	18	especially	especially	ADV
cjfa-15279	125	19	in	in	ADP
cjfa-15279	125	20	the	the	DET
cjfa-15279	125	21	case	case	NOUN
cjfa-15279	125	22	of	of	ADP
cjfa-15279	125	23	bluecash	bluecash	NOUN
cjfa-15279	125	24	.	.	PUNCT
cjfa-15279	126	1	according	accord	VERB
cjfa-15279	126	2	to	to	ADP
cjfa-15279	126	3	the	the	DET
cjfa-15279	126	4	author	author	NOUN
cjfa-15279	126	5	,	,	PUNCT
cjfa-15279	126	6	in	in	ADP
cjfa-15279	126	7	response	response	NOUN
cjfa-15279	126	8	to	to	ADP
cjfa-15279	126	9	growing	grow	VERB
cjfa-15279	126	10	market	market	NOUN
cjfa-15279	126	11	demand	demand	NOUN
cjfa-15279	126	12	,	,	PUNCT
cjfa-15279	126	13	these	these	DET
cjfa-15279	126	14	systems	system	NOUN
cjfa-15279	126	15	should	should	AUX
cjfa-15279	126	16	be	be	AUX
cjfa-15279	126	17	modified	modify	VERB
cjfa-15279	126	18	in	in	ADP
cjfa-15279	126	19	such	such	DET
cjfa-15279	126	20	a	a	DET
cjfa-15279	126	21	way	way	NOUN
cjfa-15279	126	22	to	to	PART
cjfa-15279	126	23	fill	fill	VERB
cjfa-15279	126	24	this	this	DET
cjfa-15279	126	25	gap	gap	NOUN
cjfa-15279	126	26	in	in	ADP
cjfa-15279	126	27	a	a	DET
cjfa-15279	126	28	market	market	NOUN
cjfa-15279	126	29	.	.	PUNCT
cjfa-15279	127	1	as	as	SCONJ
cjfa-15279	127	2	a	a	DET
cjfa-15279	127	3	solution	solution	NOUN
cjfa-15279	127	4	may	may	AUX
cjfa-15279	127	5	serve	serve	VERB
cjfa-15279	127	6	here	here	ADV
cjfa-15279	127	7	an	an	DET
cjfa-15279	127	8	example	example	NOUN
cjfa-15279	127	9	of	of	ADP
cjfa-15279	127	10	the	the	DET
cjfa-15279	127	11	british	british	ADJ
cjfa-15279	127	12	faster	fast	ADJ
cjfa-15279	127	13	payments	payment	NOUN
cjfa-15279	127	14	,	,	PUNCT
cjfa-15279	127	15	in	in	ADP
cjfa-15279	127	16	which	which	PRON
cjfa-15279	127	17	a	a	DET
cjfa-15279	127	18	separate	separate	ADJ
cjfa-15279	127	19	branch	branch	NOUN
cjfa-15279	127	20	of	of	ADP
cjfa-15279	127	21	instant	instant	ADJ
cjfa-15279	127	22	payments	payment	NOUN
cjfa-15279	127	23	for	for	ADP
cjfa-15279	127	24	business	business	NOUN
cjfa-15279	127	25	customers	customer	NOUN
cjfa-15279	127	26	was	be	AUX
cjfa-15279	127	27	created	create	VERB
cjfa-15279	127	28	.	.	PUNCT
cjfa-15279	128	1	bech	bech	PROPN
cjfa-15279	128	2	,	,	PUNCT
cjfa-15279	128	3	m.l	m.l	PROPN
cjfa-15279	128	4	.	.	PROPN
cjfa-15279	128	5	,	,	PUNCT
cjfa-15279	128	6	preisig	preisig	PROPN
cjfa-15279	128	7	,	,	PUNCT
cjfa-15279	128	8	ch	ch	NOUN
cjfa-15279	128	9	.	.	PROPN
cjfa-15279	128	10	,	,	PUNCT
cjfa-15279	128	11	&	&	CCONJ
cjfa-15279	128	12	soramäki	soramäki	PROPN
cjfa-15279	128	13	,	,	PUNCT
cjfa-15279	128	14	k.	k.	PROPN
cjfa-15279	128	15	(	(	PUNCT
cjfa-15279	128	16	2008	2008	NUM
cjfa-15279	128	17	)	)	PUNCT
cjfa-15279	128	18	.	.	PUNCT
cjfa-15279	129	1	global	global	ADJ
cjfa-15279	129	2	trends	trend	NOUN
cjfa-15279	129	3	in	in	ADP
cjfa-15279	129	4	large	large	ADJ
cjfa-15279	129	5	-	-	PUNCT
cjfa-15279	129	6	value	value	NOUN
cjfa-15279	129	7	payments	payment	NOUN
cjfa-15279	129	8	.	.	PUNCT
cjfa-15279	130	1	http://dx.doi.org/10.2139/ssrn.1141387	http://dx.doi.org/10.2139/ssrn.1141387	X
cjfa-15279	130	2	.	.	PUNCT
cjfa-15279	130	3	blue	blue	ADJ
cjfa-15279	130	4	media	medium	NOUN
cjfa-15279	130	5	,	,	PUNCT
cjfa-15279	130	6	https://bm.pl	https://bm.pl	PRON
cjfa-15279	130	7	,	,	PUNCT
cjfa-15279	130	8	(	(	PUNCT
cjfa-15279	130	9	accessed	access	VERB
cjfa-15279	130	10	:	:	PUNCT
cjfa-15279	130	11	28.12.2016	28.12.2016	NUM
cjfa-15279	130	12	)	)	PUNCT
cjfa-15279	130	13	.	.	PUNCT
cjfa-15279	131	1	the	the	DET
cjfa-15279	131	2	role	role	NOUN
cjfa-15279	131	3	of	of	ADP
cjfa-15279	131	4	instant	instant	ADJ
cjfa-15279	131	5	payment	payment	NOUN
cjfa-15279	131	6	systems	system	NOUN
cjfa-15279	131	7	in	in	ADP
cjfa-15279	131	8	the	the	DET
cjfa-15279	131	9	polish	polish	ADJ
cjfa-15279	131	10	economy	economy	NOUN
cjfa-15279	131	11	69	69	NUM
cjfa-15279	131	12	express	express	ADJ
cjfa-15279	131	13	elixir	elixir	NOUN
cjfa-15279	131	14	,	,	PUNCT
cjfa-15279	131	15	https://www.expresselixir.pl	https://www.expresselixir.pl	PROPN
cjfa-15279	131	16	(	(	PUNCT
cjfa-15279	131	17	accessed	access	VERB
cjfa-15279	131	18	:	:	PUNCT
cjfa-15279	131	19	20.12.2016	20.12.2016	NUM
cjfa-15279	131	20	)	)	PUNCT
cjfa-15279	131	21	.	.	PUNCT
cjfa-15279	132	1	faster	fast	ADJ
cjfa-15279	132	2	payments	payment	NOUN
cjfa-15279	132	3	,	,	PUNCT
cjfa-15279	132	4	http://www.fasterpayments.org.uk	http://www.fasterpayments.org.uk	NUM
cjfa-15279	132	5	(	(	PUNCT
cjfa-15279	132	6	accessed	access	VERB
cjfa-15279	132	7	:	:	PUNCT
cjfa-15279	132	8	27.01.2017	27.01.2017	NUM
cjfa-15279	132	9	)	)	PUNCT
cjfa-15279	132	10	.	.	PUNCT
cjfa-15279	133	1	glossary	glossary	NOUN
cjfa-15279	133	2	of	of	ADP
cjfa-15279	133	3	terms	term	NOUN
cjfa-15279	133	4	related	relate	VERB
cjfa-15279	133	5	to	to	ADP
cjfa-15279	133	6	payment	payment	NOUN
cjfa-15279	133	7	,	,	PUNCT
cjfa-15279	133	8	clearing	clearing	NOUN
cjfa-15279	133	9	and	and	CCONJ
cjfa-15279	133	10	settlement	settlement	NOUN
cjfa-15279	133	11	systems	system	NOUN
cjfa-15279	133	12	(	(	PUNCT
cjfa-15279	133	13	2009	2009	NUM
cjfa-15279	133	14	)	)	PUNCT
cjfa-15279	133	15	,	,	PUNCT
cjfa-15279	133	16	european	european	PROPN
cjfa-15279	133	17	central	central	PROPN
cjfa-15279	133	18	bank	bank	PROPN
cjfa-15279	133	19	.	.	PUNCT
cjfa-15279	134	1	nictwo	nictwo	PROPN
cjfa-15279	134	2	naukowe	naukowe	PROPN
cjfa-15279	134	3	uniwersytetu	uniwersytetu	NOUN
cjfa-15279	134	4	warszawskiego	warszawskiego	NOUN
cjfa-15279	134	5	.	.	PUNCT
cjfa-15279	135	1	http://dx.doi.org/10.7172/97883-63962-30-2	http://dx.doi.org/10.7172/97883-63962-30-2	PROPN
cjfa-15279	135	2	.	.	PROPN
cjfa-15279	135	3	gus	gus	PROPN
cjfa-15279	135	4	,	,	PUNCT
cjfa-15279	135	5	http://stat.gov.pl	http://stat.gov.pl	PROPN
cjfa-15279	135	6	(	(	PUNCT
cjfa-15279	135	7	accessed	access	VERB
cjfa-15279	135	8	:	:	PUNCT
cjfa-15279	135	9	20.12.2016	20.12.2016	NUM
cjfa-15279	135	10	)	)	PUNCT
cjfa-15279	135	11	.	.	PUNCT
cjfa-15279	136	1	instant	instant	ADJ
cjfa-15279	136	2	payments	payment	NOUN
cjfa-15279	136	3	systems	system	NOUN
cjfa-15279	136	4	–	–	PUNCT
cjfa-15279	136	5	analysis	analysis	NOUN
cjfa-15279	136	6	of	of	ADP
cjfa-15279	136	7	selected	select	VERB
cjfa-15279	136	8	systems	system	NOUN
cjfa-15279	136	9	,	,	PUNCT
cjfa-15279	136	10	role	role	NOUN
cjfa-15279	136	11	of	of	ADP
cjfa-15279	136	12	the	the	DET
cjfa-15279	136	13	central	central	ADJ
cjfa-15279	136	14	bank	bank	NOUN
cjfa-15279	136	15	and	and	CCONJ
cjfa-15279	136	16	szawa	szawa	PROPN
cjfa-15279	136	17	:	:	PUNCT
cjfa-15279	136	18	wydawnictwo	wydawnictwo	PROPN
cjfa-15279	136	19	cedewu	cedewu	PROPN
cjfa-15279	136	20	.	.	PUNCT
cjfa-15279	137	1	pernican	pernican	PROPN
cjfa-15279	137	2	journal	journal	PROPN
cjfa-15279	137	3	of	of	ADP
cjfa-15279	137	4	finance	finance	PROPN
cjfa-15279	137	5	&	&	CCONJ
cjfa-15279	137	6	accounting	accounting	PROPN
cjfa-15279	137	7	,	,	PUNCT
cjfa-15279	137	8	2(2	2(2	NUM
cjfa-15279	137	9	)	)	PUNCT
cjfa-15279	137	10	,	,	PUNCT
cjfa-15279	137	11	75–89	75–89	NUM
cjfa-15279	137	12	.	.	PUNCT
cjfa-15279	138	1	http://dx.doi.org/10.12775/	http://dx.doi.org/10.12775/	NOUN
cjfa-15279	138	2	cjfa.2013.017	cjfa.2013.017	PROPN
cjfa-15279	138	3	.	.	PUNCT
cjfa-15279	139	1	narodowy	narodowy	PROPN
cjfa-15279	139	2	bank	bank	PROPN
cjfa-15279	139	3	polski	polski	PROPN
cjfa-15279	139	4	,	,	PUNCT
cjfa-15279	139	5	http://www.nbp.pl/home.aspx?f=/systemplatniczy/dane/	http://www.nbp.pl/home.aspx?f=/systemplatniczy/dane/	NOUN
cjfa-15279	139	6	dane_statystyczne.html	dane_statystyczne.html	PUNCT
cjfa-15279	139	7	(	(	PUNCT
cjfa-15279	139	8	accessed	access	VERB
cjfa-15279	139	9	:	:	PUNCT
cjfa-15279	139	10	28.12.2016	28.12.2016	NUM
cjfa-15279	139	11	)	)	PUNCT
cjfa-15279	139	12	.	.	PUNCT
cjfa-15279	140	1	polasik	polasik	NOUN
cjfa-15279	140	2	,	,	PUNCT
cjfa-15279	140	3	m.	m.	NOUN
cjfa-15279	140	4	,	,	PUNCT
cjfa-15279	140	5	&	&	CCONJ
cjfa-15279	140	6	piotrowski	piotrowski	PROPN
cjfa-15279	140	7	,	,	PUNCT
cjfa-15279	140	8	d.	d.	PROPN
cjfa-15279	140	9	(	(	PUNCT
cjfa-15279	140	10	2016	2016	NUM
cjfa-15279	140	11	)	)	PUNCT
cjfa-15279	140	12	.	.	PUNCT
cjfa-15279	141	1	payment	payment	NOUN
cjfa-15279	141	2	innovations	innovation	NOUN
cjfa-15279	141	3	in	in	ADP
cjfa-15279	141	4	poland	poland	PROPN
cjfa-15279	141	5	:	:	PUNCT
cjfa-15279	141	6	a	a	DET
cjfa-15279	141	7	new	new	ADJ
cjfa-15279	141	8	approach	approach	NOUN
cjfa-15279	141	9	of	of	ADP
cjfa-15279	141	10	the	the	DET
cjfa-15279	141	11	banking	banking	NOUN
cjfa-15279	141	12	sector	sector	NOUN
cjfa-15279	141	13	to	to	ADP
cjfa-15279	141	14	introducing	introduce	VERB
cjfa-15279	141	15	payment	payment	NOUN
cjfa-15279	141	16	solutions	solution	NOUN
cjfa-15279	141	17	.	.	PUNCT
cjfa-15279	142	1	ekonomia	ekonomia	PROPN
cjfa-15279	142	2	i	i	PRON
cjfa-15279	142	3	prawo	prawo	PROPN
cjfa-15279	142	4	.	.	PUNCT
cjfa-15279	143	1	economics	economic	NOUN
cjfa-15279	143	2	and	and	CCONJ
cjfa-15279	143	3	law	law	NOUN
cjfa-15279	143	4	,	,	PUNCT
cjfa-15279	143	5	15(1	15(1	NUM
cjfa-15279	143	6	)	)	PUNCT
cjfa-15279	143	7	,	,	PUNCT
cjfa-15279	143	8	103–131	103–131	NUM
cjfa-15279	143	9	.	.	PUNCT
cjfa-15279	144	1	http://dx.doi.org/10.12775/	http://dx.doi.org/10.12775/	NOUN
cjfa-15279	144	2	eip.2016.007	eip.2016.007	PROPN
cjfa-15279	144	3	.	.	PUNCT
cjfa-15279	145	1	polityka	polityka	ADJ
cjfa-15279	145	2	sprawowania	sprawowania	PROPN
cjfa-15279	145	3	przez	przez	PROPN
cjfa-15279	145	4	narodowy	narodowy	PROPN
cjfa-15279	145	5	bank	bank	PROPN
cjfa-15279	145	6	polski	polski	PROPN
cjfa-15279	145	7	nadzoru	nadzoru	PROPN
cjfa-15279	145	8	systemowego	systemowego	PROPN
cjfa-15279	145	9	w	w	PROPN
cjfa-15279	145	10	zakresie	zakresie	PROPN
cjfa-15279	145	11	swift	swift	ADJ
cjfa-15279	145	12	response	response	NOUN
cjfa-15279	145	13	to	to	ADP
cjfa-15279	145	14	payment	payment	NOUN
cjfa-15279	145	15	system	system	NOUN
cjfa-15279	145	16	improvement	improvement	NOUN
cjfa-15279	145	17	–	–	PUNCT
cjfa-15279	145	18	public	public	ADJ
cjfa-15279	145	19	consultation	consultation	NOUN
cjfa-15279	145	20	paper	paper	NOUN
cjfa-15279	145	21	(	(	PUNCT
cjfa-15279	145	22	2013	2013	NUM
cjfa-15279	145	23	)	)	PUNCT
cjfa-15279	145	24	.	.	PUNCT
cjfa-15279	146	1	the	the	DET
cjfa-15279	146	2	global	global	ADJ
cjfa-15279	146	3	adoption	adoption	NOUN
cjfa-15279	146	4	of	of	ADP
cjfa-15279	146	5	real	real	ADJ
cjfa-15279	146	6	-	-	PUNCT
cjfa-15279	146	7	time	time	NOUN
cjfa-15279	146	8	retail	retail	ADJ
cjfa-15279	146	9	payments	payment	NOUN
cjfa-15279	146	10	systems	system	NOUN
cjfa-15279	146	11	(	(	PUNCT
cjfa-15279	146	12	rt	rt	NOUN
cjfa-15279	146	13	-	-	PUNCT
cjfa-15279	146	14	rps	rps	NOUN
cjfa-15279	146	15	)	)	PUNCT
cjfa-15279	146	16	(	(	PUNCT
cjfa-15279	146	17	2015	2015	NUM
cjfa-15279	146	18	)	)	PUNCT
cjfa-15279	146	19	.	.	PUNCT
cjfa-15279	147	1	wo	will	AUX
cjfa-15279	147	2	kul	kul	PROPN
cjfa-15279	147	3	.	.	PUNCT
cjfa-15279	147	4	wilson	wilson	PROPN
cjfa-15279	147	5	,	,	PUNCT
cjfa-15279	147	6	m.	m.	NOUN
cjfa-15279	147	7	(	(	PUNCT
cjfa-15279	147	8	2004	2004	NUM
cjfa-15279	147	9	)	)	PUNCT
cjfa-15279	147	10	.	.	PUNCT
cjfa-15279	148	1	real	real	ADJ
cjfa-15279	148	2	-	-	PUNCT
cjfa-15279	148	3	time	time	NOUN
cjfa-15279	148	4	gross	gross	ADJ
cjfa-15279	148	5	settlement	settlement	NOUN
cjfa-15279	148	6	and	and	CCONJ
cjfa-15279	148	7	hybrid	hybrid	ADJ
cjfa-15279	148	8	payment	payment	NOUN
cjfa-15279	148	9	systems	system	NOUN
cjfa-15279	148	10	:	:	PUNCT
cjfa-15279	148	11	a	a	DET
cjfa-15279	148	12	comparison	comparison	NOUN
cjfa-15279	148	13	.	.	PUNCT
cjfa-15279	149	1	bank	bank	PROPN
cjfa-15279	149	2	of	of	ADP
cjfa-15279	149	3	england	england	PROPN
cjfa-15279	149	4	working	working	PROPN
cjfa-15279	149	5	paper	paper	PROPN
cjfa-15279	149	6	no	no	INTJ
cjfa-15279	149	7	.	.	PROPN
cjfa-15279	149	8	252	252	NUM
cjfa-15279	149	9	.	.	PUNCT
cjfa-15279	150	1	http://dx.doi.org/10.2139/ssrn.724042	http://dx.doi.org/10.2139/ssrn.724042	X
cjfa-15279	150	2	.	.	PUNCT