id	sid	tid	token	lemma	pos
egc-332	1	1	eglobal	eglobal	PROPN
egc-332	1	2	congress	congress	PROPN
egc-332	1	3	hosted	host	VERB
egc-332	1	4	online	online	ADV
egc-332	1	5	from	from	ADP
egc-332	1	6	dubai	dubai	PROPN
egc-332	1	7	,	,	PUNCT
egc-332	1	8	u.	u.	PROPN
egc-332	1	9	a.	a.	PROPN
egc-332	1	10	e.	e.	PROPN
egc-332	1	11	,	,	PUNCT
egc-332	1	12	e	e	PROPN
egc-332	1	13	conference	conference	NOUN
egc-332	1	14	.	.	PUNCT
egc-332	2	1	date	date	NOUN
egc-332	2	2	:	:	PUNCT
egc-332	2	3	30th	30th	ADJ
egc-332	2	4	march	march	NOUN
egc-332	2	5	2025	2025	NUM
egc-332	2	6	website	website	NOUN
egc-332	2	7	:	:	PUNCT
egc-332	2	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-332	2	9	issn	issn	PROPN
egc-332	2	10	(	(	PUNCT
egc-332	2	11	e	e	NOUN
egc-332	2	12	):	):	PUNCT
egc-332	2	13	2836	2836	NUM
egc-332	2	14	-	-	SYM
egc-332	2	15	3612	3612	NUM
egc-332	2	16	51	51	NUM
egc-332	2	17	|	|	ADV
egc-332	2	18	p	p	NOUN
egc-332	2	19	a	a	DET
egc-332	2	20	g	g	NOUN
egc-332	2	21	e	e	X
egc-332	2	22	retail	retail	ADJ
egc-332	2	23	payment	payment	NOUN
egc-332	2	24	system	system	NOUN
egc-332	2	25	of	of	ADP
egc-332	2	26	banks	bank	NOUN
egc-332	2	27	the	the	DET
egc-332	2	28	need	need	NOUN
egc-332	2	29	and	and	CCONJ
egc-332	2	30	importance	importance	NOUN
egc-332	2	31	of	of	ADP
egc-332	2	32	development	development	NOUN
egc-332	2	33	nomozov	nomozov	PROPN
egc-332	2	34	rovshan	rovshan	PROPN
egc-332	2	35	ergashkulovich	ergashkulovich	PROPN
egc-332	2	36	master	master	PROPN
egc-332	2	37	’s	’s	PART
egc-332	2	38	student	student	NOUN
egc-332	2	39	of	of	ADP
egc-332	2	40	the	the	DET
egc-332	2	41	academy	academy	NOUN
egc-332	2	42	of	of	ADP
egc-332	2	43	banking	banking	NOUN
egc-332	2	44	and	and	CCONJ
egc-332	2	45	finance	finance	NOUN
egc-332	2	46	.	.	PUNCT
egc-332	3	1	e	e	X
egc-332	3	2	-	-	NOUN
egc-332	3	3	mail	mail	NOUN
egc-332	3	4	:	:	PUNCT
egc-332	3	5	rovshannomozov8@gmail.com	rovshannomozov8@gmail.com	X
egc-332	3	6	orcid:0009	orcid:0009	NUM
egc-332	3	7	-	-	PUNCT
egc-332	3	8	0003	0003	NUM
egc-332	3	9	-	-	PUNCT
egc-332	3	10	4329	4329	NUM
egc-332	3	11	-	-	SYM
egc-332	3	12	9196	9196	NUM
egc-332	3	13	in	in	ADP
egc-332	3	14	recent	recent	ADJ
egc-332	3	15	years	year	NOUN
egc-332	3	16	,	,	PUNCT
egc-332	3	17	uzbekistan	uzbekistan	PROPN
egc-332	3	18	has	have	AUX
egc-332	3	19	been	be	AUX
egc-332	3	20	implementing	implement	VERB
egc-332	3	21	significant	significant	ADJ
egc-332	3	22	reforms	reform	NOUN
egc-332	3	23	in	in	ADP
egc-332	3	24	the	the	DET
egc-332	3	25	digitalization	digitalization	NOUN
egc-332	3	26	of	of	ADP
egc-332	3	27	the	the	DET
egc-332	3	28	banking	banking	NOUN
egc-332	3	29	system	system	NOUN
egc-332	3	30	,	,	PUNCT
egc-332	3	31	including	include	VERB
egc-332	3	32	the	the	DET
egc-332	3	33	expansion	expansion	NOUN
egc-332	3	34	of	of	ADP
egc-332	3	35	retail	retail	ADJ
egc-332	3	36	payment	payment	NOUN
egc-332	3	37	services	service	NOUN
egc-332	3	38	.	.	PUNCT
egc-332	4	1	retail	retail	ADJ
egc-332	4	2	payments	payment	NOUN
egc-332	4	3	are	be	AUX
egc-332	4	4	mainly	mainly	ADV
egc-332	4	5	made	make	VERB
egc-332	4	6	through	through	ADP
egc-332	4	7	mobile	mobile	ADJ
egc-332	4	8	applications	application	NOUN
egc-332	4	9	,	,	PUNCT
egc-332	4	10	internet	internet	NOUN
egc-332	4	11	banking	banking	NOUN
egc-332	4	12	,	,	PUNCT
egc-332	4	13	pos	pos	NOUN
egc-332	4	14	terminals	terminal	NOUN
egc-332	4	15	and	and	CCONJ
egc-332	4	16	qr	qr	NOUN
egc-332	4	17	codes	code	NOUN
egc-332	4	18	.	.	PUNCT
egc-332	5	1	this	this	PRON
egc-332	5	2	is	be	AUX
egc-332	5	3	increasing	increase	VERB
egc-332	5	4	the	the	DET
egc-332	5	5	level	level	NOUN
egc-332	5	6	of	of	ADP
egc-332	5	7	access	access	NOUN
egc-332	5	8	to	to	ADP
egc-332	5	9	financial	financial	ADJ
egc-332	5	10	services	service	NOUN
egc-332	5	11	for	for	ADP
egc-332	5	12	individuals	individual	NOUN
egc-332	5	13	and	and	CCONJ
egc-332	5	14	small	small	ADJ
egc-332	5	15	businesses	business	NOUN
egc-332	5	16	.	.	PUNCT
egc-332	6	1	according	accord	VERB
egc-332	6	2	to	to	ADP
egc-332	6	3	the	the	DET
egc-332	6	4	central	central	ADJ
egc-332	6	5	bank	bank	NOUN
egc-332	6	6	,	,	PUNCT
egc-332	6	7	in	in	ADP
egc-332	6	8	2023	2023	NUM
egc-332	6	9	the	the	DET
egc-332	6	10	number	number	NOUN
egc-332	6	11	of	of	ADP
egc-332	6	12	retail	retail	ADJ
egc-332	6	13	payments	payment	NOUN
egc-332	6	14	in	in	ADP
egc-332	6	15	the	the	DET
egc-332	6	16	republic	republic	NOUN
egc-332	6	17	will	will	AUX
egc-332	6	18	reach	reach	VERB
egc-332	6	19	1.7	1.7	NUM
egc-332	6	20	billion	billion	NUM
egc-332	6	21	,	,	PUNCT
egc-332	6	22	which	which	PRON
egc-332	6	23	is	be	AUX
egc-332	6	24	2.3	2.3	NUM
egc-332	6	25	times	time	NOUN
egc-332	6	26	more	more	ADJ
egc-332	6	27	than	than	ADP
egc-332	6	28	in	in	ADP
egc-332	6	29	2020	2020	NUM
egc-332	6	30	.	.	PUNCT
egc-332	7	1	the	the	DET
egc-332	7	2	share	share	NOUN
egc-332	7	3	of	of	ADP
egc-332	7	4	national	national	ADJ
egc-332	7	5	and	and	CCONJ
egc-332	7	6	private	private	ADJ
egc-332	7	7	payment	payment	NOUN
egc-332	7	8	systems	system	NOUN
egc-332	7	9	such	such	ADJ
egc-332	7	10	as	as	ADP
egc-332	7	11	uzcard	uzcard	ADJ
egc-332	7	12	,	,	PUNCT
egc-332	7	13	humo	humo	PROPN
egc-332	7	14	,	,	PUNCT
egc-332	7	15	click	click	VERB
egc-332	7	16	,	,	PUNCT
egc-332	7	17	payme	payme	NOUN
egc-332	7	18	in	in	ADP
egc-332	7	19	this	this	DET
egc-332	7	20	growth	growth	NOUN
egc-332	7	21	is	be	AUX
egc-332	7	22	increasing	increase	VERB
egc-332	7	23	significantly	significantly	ADV
egc-332	7	24	.	.	PUNCT
egc-332	8	1	this	this	PRON
egc-332	8	2	indicates	indicate	VERB
egc-332	8	3	an	an	DET
egc-332	8	4	increase	increase	NOUN
egc-332	8	5	in	in	ADP
egc-332	8	6	digital	digital	ADJ
egc-332	8	7	financial	financial	ADJ
egc-332	8	8	literacy	literacy	NOUN
egc-332	8	9	among	among	ADP
egc-332	8	10	the	the	DET
egc-332	8	11	population	population	NOUN
egc-332	8	12	and	and	CCONJ
egc-332	8	13	the	the	DET
egc-332	8	14	introduction	introduction	NOUN
egc-332	8	15	of	of	ADP
egc-332	8	16	innovative	innovative	ADJ
egc-332	8	17	solutions	solution	NOUN
egc-332	8	18	by	by	ADP
egc-332	8	19	commercial	commercial	ADJ
egc-332	8	20	banks	bank	NOUN
egc-332	8	21	.	.	PUNCT
egc-332	9	1	table	table	NOUN
egc-332	9	2	1	1	NUM
egc-332	9	3	indicators	indicator	NOUN
egc-332	9	4	of	of	ADP
egc-332	9	5	commercial	commercial	ADJ
egc-332	9	6	banks	bank	NOUN
egc-332	9	7	in	in	ADP
egc-332	9	8	uzbekistan	uzbekistan	PROPN
egc-332	9	9	for	for	ADP
egc-332	9	10	main	main	ADJ
egc-332	9	11	retail	retail	ADJ
egc-332	9	12	payment	payment	NOUN
egc-332	9	13	services	service	NOUN
egc-332	9	14	(	(	PUNCT
egc-332	9	15	in	in	ADP
egc-332	9	16	thousands	thousand	NOUN
egc-332	9	17	)	)	PUNCT
egc-332	9	18	type	type	NOUN
egc-332	9	19	of	of	ADP
egc-332	9	20	service	service	NOUN
egc-332	9	21	2021	2021	NUM
egc-332	9	22	2022	2022	NUM
egc-332	9	23	2023	2023	NUM
egc-332	9	24	loans	loan	NOUN
egc-332	9	25	to	to	ADP
egc-332	9	26	individuals	individual	NOUN
egc-332	9	27	150	150	NUM
egc-332	9	28	180	180	NUM
egc-332	9	29	210	210	NUM
egc-332	9	30	plastic	plastic	NOUN
egc-332	9	31	card	card	NOUN
egc-332	9	32	users	user	NOUN
egc-332	9	33	500	500	NUM
egc-332	9	34	600	600	NUM
egc-332	9	35	750	750	NUM
egc-332	9	36	internet	internet	NOUN
egc-332	9	37	banking	banking	NOUN
egc-332	9	38	users	user	NOUN
egc-332	9	39	200	200	NUM
egc-332	9	40	250	250	NUM
egc-332	9	41	300	300	NUM
egc-332	9	42	mobile	mobile	ADJ
egc-332	9	43	application	application	NOUN
egc-332	9	44	users	user	NOUN
egc-332	9	45	150	150	NUM
egc-332	9	46	220	220	NUM
egc-332	9	47	280	280	NUM
egc-332	9	48	the	the	DET
egc-332	9	49	analysis	analysis	NOUN
egc-332	9	50	of	of	ADP
egc-332	9	51	the	the	DET
egc-332	9	52	table	table	NOUN
egc-332	9	53	shows	show	VERB
egc-332	9	54	that	that	SCONJ
egc-332	9	55	the	the	DET
egc-332	9	56	number	number	NOUN
egc-332	9	57	of	of	ADP
egc-332	9	58	users	user	NOUN
egc-332	9	59	of	of	ADP
egc-332	9	60	mobile	mobile	ADJ
egc-332	9	61	applications	application	NOUN
egc-332	9	62	and	and	CCONJ
egc-332	9	63	internet	internet	NOUN
egc-332	9	64	banking	banking	NOUN
egc-332	9	65	services	service	NOUN
egc-332	9	66	has	have	AUX
egc-332	9	67	increased	increase	VERB
egc-332	9	68	significantly	significantly	ADV
egc-332	9	69	during	during	ADP
egc-332	9	70	2021	2021	NUM
egc-332	9	71	-	-	SYM
egc-332	9	72	2023	2023	NUM
egc-332	9	73	.	.	PUNCT
egc-332	10	1	these	these	DET
egc-332	10	2	figures	figure	NOUN
egc-332	10	3	indicate	indicate	VERB
egc-332	10	4	that	that	SCONJ
egc-332	10	5	the	the	DET
egc-332	10	6	demand	demand	NOUN
egc-332	10	7	for	for	ADP
egc-332	10	8	digital	digital	ADJ
egc-332	10	9	payment	payment	NOUN
egc-332	10	10	services	service	NOUN
egc-332	10	11	is	be	AUX
egc-332	10	12	growing	grow	VERB
egc-332	10	13	and	and	CCONJ
egc-332	10	14	that	that	SCONJ
egc-332	10	15	banks	bank	NOUN
egc-332	10	16	are	be	AUX
egc-332	10	17	meeting	meet	VERB
egc-332	10	18	this	this	DET
egc-332	10	19	demand	demand	NOUN
egc-332	10	20	.	.	PUNCT
egc-332	11	1	also	also	ADV
egc-332	11	2	,	,	PUNCT
egc-332	11	3	the	the	DET
egc-332	11	4	level	level	NOUN
egc-332	11	5	of	of	ADP
egc-332	11	6	use	use	NOUN
egc-332	11	7	of	of	ADP
egc-332	11	8	plastic	plastic	ADJ
egc-332	11	9	cards	card	NOUN
egc-332	11	10	by	by	ADP
egc-332	11	11	the	the	DET
egc-332	11	12	population	population	NOUN
egc-332	11	13	reached	reach	VERB
egc-332	11	14	750	750	NUM
egc-332	11	15	thousand	thousand	NUM
egc-332	11	16	in	in	ADP
egc-332	11	17	2023	2023	NUM
egc-332	11	18	,	,	PUNCT
egc-332	11	19	an	an	DET
egc-332	11	20	increase	increase	NOUN
egc-332	11	21	of	of	ADP
egc-332	11	22	50	50	NUM
egc-332	11	23	%	%	NOUN
egc-332	11	24	compared	compare	VERB
egc-332	11	25	to	to	ADP
egc-332	11	26	2021	2021	NUM
egc-332	11	27	.	.	PUNCT
egc-332	12	1	this	this	PRON
egc-332	12	2	serves	serve	VERB
egc-332	12	3	to	to	PART
egc-332	12	4	diversify	diversify	VERB
egc-332	12	5	sources	source	NOUN
egc-332	12	6	of	of	ADP
egc-332	12	7	income	income	NOUN
egc-332	12	8	for	for	ADP
egc-332	12	9	banks	bank	NOUN
egc-332	12	10	through	through	ADP
egc-332	12	11	payment	payment	NOUN
egc-332	12	12	commissions	commission	NOUN
egc-332	12	13	.	.	PUNCT
egc-332	13	1	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-332	13	2	mailto:rovshannomozov8@gmail.com	mailto:rovshannomozov8@gmail.com	PROPN
egc-332	13	3	eglobal	eglobal	PROPN
egc-332	13	4	congress	congress	PROPN
egc-332	13	5	hosted	host	VERB
egc-332	13	6	online	online	ADV
egc-332	13	7	from	from	ADP
egc-332	13	8	dubai	dubai	PROPN
egc-332	13	9	,	,	PUNCT
egc-332	13	10	u.	u.	PROPN
egc-332	13	11	a.	a.	PROPN
egc-332	13	12	e.	e.	PROPN
egc-332	13	13	,	,	PUNCT
egc-332	13	14	e	e	PROPN
egc-332	13	15	conference	conference	NOUN
egc-332	13	16	.	.	PUNCT
egc-332	14	1	date	date	NOUN
egc-332	14	2	:	:	PUNCT
egc-332	14	3	30th	30th	ADJ
egc-332	14	4	march	march	NOUN
egc-332	14	5	2025	2025	NUM
egc-332	14	6	website	website	NOUN
egc-332	14	7	:	:	PUNCT
egc-332	14	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-332	14	9	issn	issn	PROPN
egc-332	14	10	(	(	PUNCT
egc-332	14	11	e	e	NOUN
egc-332	14	12	):	):	PUNCT
egc-332	14	13	2836	2836	NUM
egc-332	14	14	-	-	SYM
egc-332	14	15	3612	3612	NUM
egc-332	14	16	52	52	NUM
egc-332	14	17	|	|	ADV
egc-332	14	18	p	p	ADP
egc-332	14	19	a	a	DET
egc-332	14	20	g	g	NOUN
egc-332	14	21	e	e	NOUN
egc-332	14	22	practice	practice	NOUN
egc-332	14	23	shows	show	VERB
egc-332	14	24	that	that	SCONJ
egc-332	14	25	the	the	DET
egc-332	14	26	development	development	NOUN
egc-332	14	27	of	of	ADP
egc-332	14	28	the	the	DET
egc-332	14	29	retail	retail	ADJ
egc-332	14	30	payment	payment	NOUN
egc-332	14	31	system	system	NOUN
egc-332	14	32	not	not	PART
egc-332	14	33	only	only	ADV
egc-332	14	34	facilitates	facilitate	VERB
egc-332	14	35	payment	payment	NOUN
egc-332	14	36	processes	process	NOUN
egc-332	14	37	,	,	PUNCT
egc-332	14	38	but	but	CCONJ
egc-332	14	39	also	also	ADV
egc-332	14	40	has	have	VERB
egc-332	14	41	a	a	DET
egc-332	14	42	positive	positive	ADJ
egc-332	14	43	effect	effect	NOUN
egc-332	14	44	on	on	ADP
egc-332	14	45	reducing	reduce	VERB
egc-332	14	46	the	the	DET
egc-332	14	47	informal	informal	ADJ
egc-332	14	48	economy	economy	NOUN
egc-332	14	49	,	,	PUNCT
egc-332	14	50	limiting	limit	VERB
egc-332	14	51	cash	cash	NOUN
egc-332	14	52	circulation	circulation	NOUN
egc-332	14	53	,	,	PUNCT
egc-332	14	54	and	and	CCONJ
egc-332	14	55	increasing	increase	VERB
egc-332	14	56	tax	tax	NOUN
egc-332	14	57	revenues	revenue	NOUN
egc-332	14	58	.	.	PUNCT
egc-332	15	1	the	the	DET
egc-332	15	2	conducted	conduct	VERB
egc-332	15	3	analyses	analysis	NOUN
egc-332	15	4	show	show	VERB
egc-332	15	5	that	that	SCONJ
egc-332	15	6	the	the	DET
egc-332	15	7	effective	effective	ADJ
egc-332	15	8	functioning	functioning	NOUN
egc-332	15	9	of	of	ADP
egc-332	15	10	the	the	DET
egc-332	15	11	retail	retail	ADJ
egc-332	15	12	payment	payment	NOUN
egc-332	15	13	system	system	NOUN
egc-332	15	14	of	of	ADP
egc-332	15	15	commercial	commercial	ADJ
egc-332	15	16	banks	bank	NOUN
egc-332	15	17	is	be	AUX
egc-332	15	18	of	of	ADP
egc-332	15	19	great	great	ADJ
egc-332	15	20	importance	importance	NOUN
egc-332	15	21	in	in	ADP
egc-332	15	22	accelerating	accelerate	VERB
egc-332	15	23	the	the	DET
egc-332	15	24	circulation	circulation	NOUN
egc-332	15	25	of	of	ADP
egc-332	15	26	money	money	NOUN
egc-332	15	27	in	in	ADP
egc-332	15	28	the	the	DET
egc-332	15	29	country	country	NOUN
egc-332	15	30	's	's	PART
egc-332	15	31	economy	economy	NOUN
egc-332	15	32	,	,	PUNCT
egc-332	15	33	expanding	expand	VERB
egc-332	15	34	the	the	DET
egc-332	15	35	use	use	NOUN
egc-332	15	36	of	of	ADP
egc-332	15	37	financial	financial	ADJ
egc-332	15	38	services	service	NOUN
egc-332	15	39	,	,	PUNCT
egc-332	15	40	and	and	CCONJ
egc-332	15	41	increasing	increase	VERB
egc-332	15	42	the	the	DET
egc-332	15	43	efficiency	efficiency	NOUN
egc-332	15	44	of	of	ADP
egc-332	15	45	banks	bank	NOUN
egc-332	15	46	'	'	PART
egc-332	15	47	activities	activity	NOUN
egc-332	15	48	.	.	PUNCT
egc-332	16	1	the	the	DET
egc-332	16	2	introduction	introduction	NOUN
egc-332	16	3	of	of	ADP
egc-332	16	4	remote	remote	ADJ
egc-332	16	5	payment	payment	NOUN
egc-332	16	6	instruments	instrument	NOUN
egc-332	16	7	,	,	PUNCT
egc-332	16	8	internet	internet	NOUN
egc-332	16	9	banking	banking	NOUN
egc-332	16	10	,	,	PUNCT
egc-332	16	11	mobile	mobile	ADJ
egc-332	16	12	applications	application	NOUN
egc-332	16	13	,	,	PUNCT
egc-332	16	14	and	and	CCONJ
egc-332	16	15	other	other	ADJ
egc-332	16	16	digital	digital	ADJ
egc-332	16	17	solutions	solution	NOUN
egc-332	16	18	has	have	AUX
egc-332	16	19	significantly	significantly	ADV
egc-332	16	20	improved	improve	VERB
egc-332	16	21	the	the	DET
egc-332	16	22	level	level	NOUN
egc-332	16	23	of	of	ADP
egc-332	16	24	access	access	NOUN
egc-332	16	25	to	to	ADP
egc-332	16	26	financial	financial	ADJ
egc-332	16	27	services	service	NOUN
egc-332	16	28	for	for	ADP
egc-332	16	29	the	the	DET
egc-332	16	30	population	population	NOUN
egc-332	16	31	and	and	CCONJ
egc-332	16	32	business	business	NOUN
egc-332	16	33	entities	entity	NOUN
egc-332	16	34	.	.	PUNCT
egc-332	17	1	at	at	ADP
egc-332	17	2	the	the	DET
egc-332	17	3	same	same	ADJ
egc-332	17	4	time	time	NOUN
egc-332	17	5	,	,	PUNCT
egc-332	17	6	the	the	DET
egc-332	17	7	level	level	NOUN
egc-332	17	8	of	of	ADP
egc-332	17	9	popularity	popularity	NOUN
egc-332	17	10	of	of	ADP
egc-332	17	11	some	some	DET
egc-332	17	12	forms	form	NOUN
egc-332	17	13	of	of	ADP
egc-332	17	14	payment	payment	NOUN
egc-332	17	15	(	(	PUNCT
egc-332	17	16	letters	letter	NOUN
egc-332	17	17	of	of	ADP
egc-332	17	18	credit	credit	NOUN
egc-332	17	19	,	,	PUNCT
egc-332	17	20	collection	collection	NOUN
egc-332	17	21	,	,	PUNCT
egc-332	17	22	and	and	CCONJ
egc-332	17	23	payment	payment	NOUN
egc-332	17	24	orders	order	NOUN
egc-332	17	25	)	)	PUNCT
egc-332	17	26	remains	remain	VERB
egc-332	17	27	low	low	ADJ
egc-332	17	28	,	,	PUNCT
egc-332	17	29	and	and	CCONJ
egc-332	17	30	the	the	DET
egc-332	17	31	lack	lack	NOUN
egc-332	17	32	of	of	ADP
egc-332	17	33	welldeveloped	welldevelope	VERB
egc-332	17	34	infrastructure	infrastructure	NOUN
egc-332	17	35	in	in	ADP
egc-332	17	36	the	the	DET
egc-332	17	37	regions	region	NOUN
egc-332	17	38	and	and	CCONJ
egc-332	17	39	the	the	DET
egc-332	17	40	insufficient	insufficient	ADJ
egc-332	17	41	level	level	NOUN
egc-332	17	42	of	of	ADP
egc-332	17	43	digital	digital	ADJ
egc-332	17	44	literacy	literacy	NOUN
egc-332	17	45	remain	remain	VERB
egc-332	17	46	relevant	relevant	ADJ
egc-332	17	47	.	.	PUNCT
egc-332	18	1	in	in	ADP
egc-332	18	2	the	the	DET
egc-332	18	3	interbank	interbank	NOUN
egc-332	18	4	payment	payment	NOUN
egc-332	18	5	system	system	NOUN
egc-332	18	6	,	,	PUNCT
egc-332	18	7	payment	payment	NOUN
egc-332	18	8	orders	order	NOUN
egc-332	18	9	occupy	occupy	VERB
egc-332	18	10	a	a	DET
egc-332	18	11	leading	lead	VERB
egc-332	18	12	position	position	NOUN
egc-332	18	13	,	,	PUNCT
egc-332	18	14	however	however	ADV
egc-332	18	15	,	,	PUNCT
egc-332	18	16	we	we	PRON
egc-332	18	17	believe	believe	VERB
egc-332	18	18	that	that	SCONJ
egc-332	18	19	it	it	PRON
egc-332	18	20	is	be	AUX
egc-332	18	21	necessary	necessary	ADJ
egc-332	18	22	to	to	PART
egc-332	18	23	further	far	ADV
egc-332	18	24	expand	expand	VERB
egc-332	18	25	the	the	DET
egc-332	18	26	opportunities	opportunity	NOUN
egc-332	18	27	for	for	ADP
egc-332	18	28	the	the	DET
egc-332	18	29	effective	effective	ADJ
egc-332	18	30	use	use	NOUN
egc-332	18	31	of	of	ADP
egc-332	18	32	various	various	ADJ
egc-332	18	33	forms	form	NOUN
egc-332	18	34	.	.	PUNCT
egc-332	19	1	based	base	VERB
egc-332	19	2	on	on	ADP
egc-332	19	3	the	the	DET
egc-332	19	4	above	above	ADV
egc-332	19	5	-	-	PUNCT
egc-332	19	6	mentioned	mention	VERB
egc-332	19	7	analyses	analysis	NOUN
egc-332	19	8	,	,	PUNCT
egc-332	19	9	studies	study	NOUN
egc-332	19	10	and	and	CCONJ
egc-332	19	11	conclusions	conclusion	NOUN
egc-332	19	12	,	,	PUNCT
egc-332	19	13	we	we	PRON
egc-332	19	14	have	have	AUX
egc-332	19	15	developed	develop	VERB
egc-332	19	16	the	the	DET
egc-332	19	17	following	follow	VERB
egc-332	19	18	proposals	proposal	NOUN
egc-332	19	19	for	for	ADP
egc-332	19	20	the	the	DET
egc-332	19	21	development	development	NOUN
egc-332	19	22	of	of	ADP
egc-332	19	23	the	the	DET
egc-332	19	24	retail	retail	ADJ
egc-332	19	25	payment	payment	NOUN
egc-332	19	26	system	system	NOUN
egc-332	19	27	in	in	ADP
egc-332	19	28	commercial	commercial	ADJ
egc-332	19	29	banks	bank	NOUN
egc-332	19	30	:	:	PUNCT
egc-332	19	31	it	it	PRON
egc-332	19	32	is	be	AUX
egc-332	19	33	necessary	necessary	ADJ
egc-332	19	34	to	to	PART
egc-332	19	35	expand	expand	VERB
egc-332	19	36	the	the	DET
egc-332	19	37	possibilities	possibility	NOUN
egc-332	19	38	of	of	ADP
egc-332	19	39	providing	provide	VERB
egc-332	19	40	digital	digital	ADJ
egc-332	19	41	payment	payment	NOUN
egc-332	19	42	services	service	NOUN
egc-332	19	43	to	to	ADP
egc-332	19	44	the	the	DET
egc-332	19	45	population	population	NOUN
egc-332	19	46	by	by	ADP
egc-332	19	47	improving	improve	VERB
egc-332	19	48	internet	internet	NOUN
egc-332	19	49	connectivity	connectivity	NOUN
egc-332	19	50	in	in	ADP
egc-332	19	51	remote	remote	ADJ
egc-332	19	52	and	and	CCONJ
egc-332	19	53	rural	rural	ADJ
egc-332	19	54	areas	area	NOUN
egc-332	19	55	of	of	ADP
egc-332	19	56	the	the	DET
egc-332	19	57	country	country	NOUN
egc-332	19	58	,	,	PUNCT
egc-332	19	59	expanding	expand	VERB
egc-332	19	60	the	the	DET
egc-332	19	61	infrastructure	infrastructure	NOUN
egc-332	19	62	of	of	ADP
egc-332	19	63	pos	pos	NOUN
egc-332	19	64	terminals	terminal	NOUN
egc-332	19	65	and	and	CCONJ
egc-332	19	66	qr	qr	NOUN
egc-332	19	67	codes	code	NOUN
egc-332	19	68	.	.	PUNCT
egc-332	20	1	commercial	commercial	ADJ
egc-332	20	2	banks	bank	NOUN
egc-332	20	3	can	can	AUX
egc-332	20	4	encourage	encourage	VERB
egc-332	20	5	the	the	DET
egc-332	20	6	use	use	NOUN
egc-332	20	7	of	of	ADP
egc-332	20	8	forms	form	NOUN
egc-332	20	9	such	such	ADJ
egc-332	20	10	as	as	ADP
egc-332	20	11	letters	letter	NOUN
egc-332	20	12	of	of	ADP
egc-332	20	13	credit	credit	NOUN
egc-332	20	14	,	,	PUNCT
egc-332	20	15	collection	collection	NOUN
egc-332	20	16	and	and	CCONJ
egc-332	20	17	payment	payment	NOUN
egc-332	20	18	requests	request	NOUN
egc-332	20	19	by	by	ADP
egc-332	20	20	informing	inform	VERB
egc-332	20	21	the	the	DET
egc-332	20	22	public	public	NOUN
egc-332	20	23	about	about	ADP
egc-332	20	24	their	their	PRON
egc-332	20	25	advantages	advantage	NOUN
egc-332	20	26	,	,	PUNCT
egc-332	20	27	security	security	NOUN
egc-332	20	28	features	feature	NOUN
egc-332	20	29	and	and	CCONJ
egc-332	20	30	procedure	procedure	NOUN
egc-332	20	31	for	for	ADP
egc-332	20	32	use	use	NOUN
egc-332	20	33	.	.	PUNCT
egc-332	21	1	it	it	PRON
egc-332	21	2	is	be	AUX
egc-332	21	3	necessary	necessary	ADJ
egc-332	21	4	to	to	PART
egc-332	21	5	increase	increase	VERB
egc-332	21	6	the	the	DET
egc-332	21	7	efficiency	efficiency	NOUN
egc-332	21	8	of	of	ADP
egc-332	21	9	settlements	settlement	NOUN
egc-332	21	10	by	by	ADP
egc-332	21	11	diversifying	diversify	VERB
egc-332	21	12	and	and	CCONJ
egc-332	21	13	increasing	increase	VERB
egc-332	21	14	the	the	DET
egc-332	21	15	level	level	NOUN
egc-332	21	16	of	of	ADP
egc-332	21	17	automation	automation	NOUN
egc-332	21	18	of	of	ADP
egc-332	21	19	the	the	DET
egc-332	21	20	interbank	interbank	NOUN
egc-332	21	21	payment	payment	NOUN
egc-332	21	22	system	system	NOUN
egc-332	21	23	in	in	ADP
egc-332	21	24	the	the	DET
egc-332	21	25	country	country	NOUN
egc-332	21	26	.	.	PUNCT
egc-332	22	1	in	in	ADP
egc-332	22	2	this	this	DET
egc-332	22	3	regard	regard	NOUN
egc-332	22	4	,	,	PUNCT
egc-332	22	5	it	it	PRON
egc-332	22	6	is	be	AUX
egc-332	22	7	recommended	recommend	VERB
egc-332	22	8	to	to	PART
egc-332	22	9	widely	widely	ADV
egc-332	22	10	introduce	introduce	VERB
egc-332	22	11	automated	automated	ADJ
egc-332	22	12	clearing	clearing	NOUN
egc-332	22	13	systems	system	NOUN
egc-332	22	14	,	,	PUNCT
egc-332	22	15	real	real	ADJ
egc-332	22	16	-	-	PUNCT
egc-332	22	17	time	time	NOUN
egc-332	22	18	payment	payment	NOUN
egc-332	22	19	platforms	platform	NOUN
egc-332	22	20	and	and	CCONJ
egc-332	22	21	intelligent	intelligent	ADJ
egc-332	22	22	monitoring	monitoring	NOUN
egc-332	22	23	tools	tool	NOUN
egc-332	22	24	.	.	PUNCT
egc-332	23	1	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN