id	sid	tid	token	lemma	pos
egc-349	1	1	eglobal	eglobal	PROPN
egc-349	1	2	congress	congress	PROPN
egc-349	1	3	hosted	host	VERB
egc-349	1	4	online	online	ADV
egc-349	1	5	from	from	ADP
egc-349	1	6	dubai	dubai	PROPN
egc-349	1	7	,	,	PUNCT
egc-349	1	8	u.	u.	PROPN
egc-349	1	9	a.	a.	PROPN
egc-349	1	10	e.	e.	PROPN
egc-349	1	11	,	,	PUNCT
egc-349	1	12	e	e	PROPN
egc-349	1	13	conference	conference	NOUN
egc-349	1	14	.	.	PUNCT
egc-349	2	1	date	date	NOUN
egc-349	2	2	:	:	PUNCT
egc-349	3	1	30th	30th	ADJ
egc-349	3	2	may	may	NOUN
egc-349	3	3	2025	2025	NUM
egc-349	3	4	website	website	NOUN
egc-349	3	5	:	:	PUNCT
egc-349	3	6	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-349	3	7	issn	issn	PROPN
egc-349	3	8	(	(	PUNCT
egc-349	3	9	e	e	NOUN
egc-349	3	10	):	):	PUNCT
egc-349	3	11	2836	2836	NUM
egc-349	3	12	-	-	SYM
egc-349	3	13	3612	3612	NUM
egc-349	3	14	109	109	NUM
egc-349	3	15	|	|	ADV
egc-349	3	16	p	p	ADP
egc-349	3	17	a	a	DET
egc-349	3	18	g	g	NOUN
egc-349	3	19	e	e	NOUN
egc-349	3	20	prospects	prospect	NOUN
egc-349	3	21	for	for	ADP
egc-349	3	22	digitalization	digitalization	NOUN
egc-349	3	23	of	of	ADP
egc-349	3	24	commercial	commercial	ADJ
egc-349	3	25	banks	bank	NOUN
egc-349	3	26	and	and	CCONJ
egc-349	3	27	implementation	implementation	NOUN
egc-349	3	28	of	of	ADP
egc-349	3	29	information	information	NOUN
egc-349	3	30	technologies	technology	NOUN
egc-349	3	31	ernazarov	ernazarov	PROPN
egc-349	3	32	narmet	narmet	PROPN
egc-349	3	33	saparbayevich	saparbayevich	PROPN
egc-349	3	34	associate	associate	ADJ
egc-349	3	35	professor	professor	NOUN
egc-349	3	36	of	of	ADP
egc-349	3	37	the	the	DET
egc-349	3	38	department	department	NOUN
egc-349	3	39	of	of	ADP
egc-349	3	40	"	"	PUNCT
egc-349	3	41	bank	bank	NOUN
egc-349	3	42	accounting	accounting	NOUN
egc-349	3	43	and	and	CCONJ
egc-349	3	44	audit	audit	NOUN
egc-349	3	45	"	"	PUNCT
egc-349	3	46	of	of	ADP
egc-349	3	47	tashkent	tashkent	PROPN
egc-349	3	48	state	state	PROPN
egc-349	3	49	university	university	PROPN
egc-349	3	50	of	of	ADP
egc-349	3	51	economics	economic	NOUN
egc-349	3	52	.	.	PUNCT
egc-349	4	1	g	g	NOUN
egc-349	4	2	-	-	PUNCT
egc-349	4	3	mail	mail	NOUN
egc-349	4	4	:	:	PUNCT
egc-349	4	5	narmet.saparbayevich1962@gmail.com	narmet.saparbayevich1962@gmail.com	X
egc-349	4	6	the	the	DET
egc-349	4	7	modernization	modernization	NOUN
egc-349	4	8	and	and	CCONJ
egc-349	4	9	simplification	simplification	NOUN
egc-349	4	10	of	of	ADP
egc-349	4	11	the	the	DET
egc-349	4	12	banking	banking	NOUN
egc-349	4	13	system	system	NOUN
egc-349	4	14	plays	play	VERB
egc-349	4	15	an	an	DET
egc-349	4	16	important	important	ADJ
egc-349	4	17	role	role	NOUN
egc-349	4	18	in	in	ADP
egc-349	4	19	the	the	DET
egc-349	4	20	development	development	NOUN
egc-349	4	21	of	of	ADP
egc-349	4	22	the	the	DET
egc-349	4	23	country	country	NOUN
egc-349	4	24	's	's	PART
egc-349	4	25	financial	financial	ADJ
egc-349	4	26	services	service	NOUN
egc-349	4	27	.	.	PUNCT
egc-349	5	1	today	today	NOUN
egc-349	5	2	,	,	PUNCT
egc-349	5	3	information	information	NOUN
egc-349	5	4	technologies	technology	NOUN
egc-349	5	5	,	,	PUNCT
egc-349	5	6	as	as	ADP
egc-349	5	7	in	in	ADP
egc-349	5	8	all	all	DET
egc-349	5	9	sectors	sector	NOUN
egc-349	5	10	,	,	PUNCT
egc-349	5	11	are	be	AUX
egc-349	5	12	widely	widely	ADV
egc-349	5	13	implemented	implement	VERB
egc-349	5	14	in	in	ADP
egc-349	5	15	the	the	DET
egc-349	5	16	banking	banking	NOUN
egc-349	5	17	system	system	NOUN
egc-349	5	18	.	.	PUNCT
egc-349	6	1	it	it	PRON
egc-349	6	2	is	be	AUX
egc-349	6	3	worth	worth	ADJ
egc-349	6	4	noting	note	VERB
egc-349	6	5	that	that	SCONJ
egc-349	6	6	the	the	DET
egc-349	6	7	development	development	NOUN
egc-349	6	8	of	of	ADP
egc-349	6	9	digital	digital	ADJ
egc-349	6	10	banking	banking	NOUN
egc-349	6	11	in	in	ADP
egc-349	6	12	the	the	DET
egc-349	6	13	banking	banking	NOUN
egc-349	6	14	system	system	NOUN
egc-349	6	15	is	be	AUX
egc-349	6	16	one	one	NUM
egc-349	6	17	of	of	ADP
egc-349	6	18	the	the	DET
egc-349	6	19	key	key	ADJ
egc-349	6	20	issues	issue	NOUN
egc-349	6	21	for	for	ADP
egc-349	6	22	economic	economic	ADJ
egc-349	6	23	growth	growth	NOUN
egc-349	6	24	.	.	PUNCT
egc-349	7	1	digital	digital	ADJ
egc-349	7	2	banking	banking	NOUN
egc-349	7	3	is	be	AUX
egc-349	7	4	a	a	DET
egc-349	7	5	new	new	ADJ
egc-349	7	6	form	form	NOUN
egc-349	7	7	of	of	ADP
egc-349	7	8	interaction	interaction	NOUN
egc-349	7	9	between	between	ADP
egc-349	7	10	a	a	DET
egc-349	7	11	bank	bank	NOUN
egc-349	7	12	and	and	CCONJ
egc-349	7	13	its	its	PRON
egc-349	7	14	customers	customer	NOUN
egc-349	7	15	,	,	PUNCT
egc-349	7	16	including	include	VERB
egc-349	7	17	innovations	innovation	NOUN
egc-349	7	18	in	in	ADP
egc-349	7	19	the	the	DET
egc-349	7	20	field	field	NOUN
egc-349	7	21	of	of	ADP
egc-349	7	22	financial	financial	ADJ
egc-349	7	23	services	service	NOUN
egc-349	7	24	for	for	ADP
egc-349	7	25	consumers	consumer	NOUN
egc-349	7	26	and	and	CCONJ
egc-349	7	27	commercial	commercial	ADJ
egc-349	7	28	customers	customer	NOUN
egc-349	7	29	in	in	ADP
egc-349	7	30	the	the	DET
egc-349	7	31	field	field	NOUN
egc-349	7	32	of	of	ADP
egc-349	7	33	digital	digital	ADJ
egc-349	7	34	,	,	PUNCT
egc-349	7	35	information	information	NOUN
egc-349	7	36	and	and	CCONJ
egc-349	7	37	technology	technology	NOUN
egc-349	7	38	strategies	strategy	NOUN
egc-349	7	39	[	[	X
egc-349	7	40	1	1	NUM
egc-349	7	41	]	]	PUNCT
egc-349	7	42	.	.	PUNCT
egc-349	8	1	the	the	DET
egc-349	8	2	transition	transition	NOUN
egc-349	8	3	of	of	ADP
egc-349	8	4	banking	banking	NOUN
egc-349	8	5	innovations	innovation	NOUN
egc-349	8	6	to	to	ADP
egc-349	8	7	digital	digital	ADJ
egc-349	8	8	transformation	transformation	NOUN
egc-349	8	9	in	in	ADP
egc-349	8	10	the	the	DET
egc-349	8	11	field	field	NOUN
egc-349	8	12	of	of	ADP
egc-349	8	13	financial	financial	ADJ
egc-349	8	14	services	service	NOUN
egc-349	8	15	is	be	AUX
egc-349	8	16	an	an	DET
egc-349	8	17	impetus	impetus	NOUN
egc-349	8	18	for	for	ADP
egc-349	8	19	a	a	DET
egc-349	8	20	radical	radical	ADJ
egc-349	8	21	change	change	NOUN
egc-349	8	22	in	in	ADP
egc-349	8	23	the	the	DET
egc-349	8	24	traditional	traditional	ADJ
egc-349	8	25	banking	banking	NOUN
egc-349	8	26	business	business	NOUN
egc-349	8	27	and	and	CCONJ
egc-349	8	28	creates	create	VERB
egc-349	8	29	the	the	DET
egc-349	8	30	need	need	NOUN
egc-349	8	31	to	to	PART
egc-349	8	32	introduce	introduce	VERB
egc-349	8	33	new	new	ADJ
egc-349	8	34	innovative	innovative	ADJ
egc-349	8	35	solutions	solution	NOUN
egc-349	8	36	[	[	X
egc-349	8	37	2	2	NUM
egc-349	8	38	]	]	PUNCT
egc-349	8	39	.	.	PUNCT
egc-349	9	1	bank	bank	NOUN
egc-349	9	2	customers	customer	NOUN
egc-349	9	3	can	can	AUX
egc-349	9	4	instantly	instantly	ADV
egc-349	9	5	perform	perform	VERB
egc-349	9	6	banking	banking	NOUN
egc-349	9	7	transactions	transaction	NOUN
egc-349	9	8	anywhere	anywhere	ADV
egc-349	9	9	and	and	CCONJ
egc-349	9	10	at	at	ADP
egc-349	9	11	any	any	DET
egc-349	9	12	time	time	NOUN
egc-349	9	13	using	use	VERB
egc-349	9	14	mobile	mobile	ADJ
egc-349	9	15	applications	application	NOUN
egc-349	9	16	of	of	ADP
egc-349	9	17	banks	bank	NOUN
egc-349	9	18	(	(	PUNCT
egc-349	9	19	mobile	mobile	ADJ
egc-349	9	20	banking	banking	NOUN
egc-349	9	21	)	)	PUNCT
egc-349	9	22	.	.	PUNCT
egc-349	10	1	in	in	ADP
egc-349	10	2	addition	addition	NOUN
egc-349	10	3	,	,	PUNCT
egc-349	10	4	the	the	DET
egc-349	10	5	mobile	mobile	ADJ
egc-349	10	6	banking	banking	NOUN
egc-349	10	7	application	application	NOUN
egc-349	10	8	reduces	reduce	VERB
egc-349	10	9	the	the	DET
egc-349	10	10	costs	cost	NOUN
egc-349	10	11	of	of	ADP
egc-349	10	12	expanding	expand	VERB
egc-349	10	13	additional	additional	ADJ
egc-349	10	14	branches	branch	NOUN
egc-349	10	15	.	.	PUNCT
egc-349	11	1	the	the	DET
egc-349	11	2	bank	bank	NOUN
egc-349	11	3	also	also	ADV
egc-349	11	4	benefits	benefit	VERB
egc-349	11	5	from	from	ADP
egc-349	11	6	obtaining	obtain	VERB
egc-349	11	7	customer	customer	NOUN
egc-349	11	8	data	datum	NOUN
egc-349	11	9	from	from	ADP
egc-349	11	10	the	the	DET
egc-349	11	11	application	application	NOUN
egc-349	11	12	[	[	X
egc-349	11	13	3	3	NUM
egc-349	11	14	]	]	PUNCT
egc-349	11	15	.	.	PUNCT
egc-349	12	1	banking	banking	NOUN
egc-349	12	2	services	service	NOUN
egc-349	12	3	should	should	AUX
egc-349	12	4	be	be	AUX
egc-349	12	5	provided	provide	VERB
egc-349	12	6	not	not	PART
egc-349	12	7	in	in	ADP
egc-349	12	8	a	a	DET
egc-349	12	9	bank	bank	NOUN
egc-349	12	10	office	office	NOUN
egc-349	12	11	,	,	PUNCT
egc-349	12	12	where	where	SCONJ
egc-349	12	13	there	there	PRON
egc-349	12	14	is	be	VERB
egc-349	12	15	direct	direct	ADJ
egc-349	12	16	contact	contact	NOUN
egc-349	12	17	between	between	ADP
egc-349	12	18	the	the	DET
egc-349	12	19	client	client	NOUN
egc-349	12	20	and	and	CCONJ
egc-349	12	21	the	the	DET
egc-349	12	22	bank	bank	NOUN
egc-349	12	23	employee	employee	NOUN
egc-349	12	24	,	,	PUNCT
egc-349	12	25	but	but	CCONJ
egc-349	12	26	at	at	ADP
egc-349	12	27	home	home	NOUN
egc-349	12	28	,	,	PUNCT
egc-349	12	29	in	in	ADP
egc-349	12	30	the	the	DET
egc-349	12	31	client	client	NOUN
egc-349	12	32	's	's	PART
egc-349	12	33	office	office	NOUN
egc-349	12	34	,	,	PUNCT
egc-349	12	35	that	that	ADV
egc-349	12	36	is	is	ADV
egc-349	12	37	,	,	PUNCT
egc-349	12	38	in	in	ADP
egc-349	12	39	a	a	DET
egc-349	12	40	place	place	NOUN
egc-349	12	41	convenient	convenient	ADJ
egc-349	12	42	for	for	ADP
egc-349	12	43	the	the	DET
egc-349	12	44	latter	latter	ADJ
egc-349	12	45	,	,	PUNCT
egc-349	12	46	and	and	CCONJ
egc-349	12	47	one	one	NUM
egc-349	12	48	of	of	ADP
egc-349	12	49	the	the	DET
egc-349	12	50	main	main	ADJ
egc-349	12	51	aspects	aspect	NOUN
egc-349	12	52	of	of	ADP
egc-349	12	53	a	a	DET
egc-349	12	54	digital	digital	ADJ
egc-349	12	55	bank	bank	NOUN
egc-349	12	56	is	be	AUX
egc-349	12	57	the	the	DET
egc-349	12	58	provision	provision	NOUN
egc-349	12	59	of	of	ADP
egc-349	12	60	the	the	DET
egc-349	12	61	most	most	ADV
egc-349	12	62	favorable	favorable	ADJ
egc-349	12	63	conditions	condition	NOUN
egc-349	12	64	for	for	ADP
egc-349	12	65	deposits	deposit	NOUN
egc-349	12	66	and	and	CCONJ
egc-349	12	67	loans	loan	NOUN
egc-349	12	68	that	that	PRON
egc-349	12	69	meet	meet	VERB
egc-349	12	70	market	market	NOUN
egc-349	12	71	requirements	requirement	NOUN
egc-349	12	72	(	(	PUNCT
egc-349	12	73	i.e.	i.e.	X
egc-349	12	74	,	,	PUNCT
egc-349	12	75	arising	arise	VERB
egc-349	12	76	from	from	ADP
egc-349	12	77	customer	customer	NOUN
egc-349	12	78	demand	demand	NOUN
egc-349	12	79	)	)	PUNCT
egc-349	12	80	and	and	CCONJ
egc-349	12	81	quick	quick	ADJ
egc-349	12	82	service	service	NOUN
egc-349	13	1	[	[	X
egc-349	13	2	4	4	NUM
egc-349	13	3	]	]	PUNCT
egc-349	13	4	.	.	PUNCT
egc-349	14	1	the	the	DET
egc-349	14	2	bank	bank	NOUN
egc-349	14	3	,	,	PUNCT
egc-349	14	4	this	this	DET
egc-349	14	5	financial	financial	ADJ
egc-349	14	6	institution	institution	NOUN
egc-349	14	7	,	,	PUNCT
egc-349	14	8	has	have	AUX
egc-349	14	9	developed	develop	VERB
egc-349	14	10	so	so	ADV
egc-349	14	11	much	much	ADJ
egc-349	14	12	that	that	SCONJ
egc-349	14	13	now	now	ADV
egc-349	14	14	there	there	PRON
egc-349	14	15	is	be	VERB
egc-349	14	16	no	no	DET
egc-349	14	17	person	person	NOUN
egc-349	14	18	who	who	PRON
egc-349	14	19	does	do	AUX
egc-349	14	20	not	not	PART
egc-349	14	21	know	know	VERB
egc-349	14	22	or	or	CCONJ
egc-349	14	23	understand	understand	VERB
egc-349	14	24	this	this	DET
egc-349	14	25	word	word	NOUN
egc-349	14	26	.	.	PUNCT
egc-349	15	1	this	this	DET
egc-349	15	2	economic	economic	ADJ
egc-349	15	3	term	term	NOUN
egc-349	15	4	has	have	VERB
egc-349	15	5	its	its	PRON
egc-349	15	6	own	own	ADJ
egc-349	15	7	prestige	prestige	NOUN
egc-349	15	8	in	in	ADP
egc-349	15	9	society	society	NOUN
egc-349	15	10	.	.	PUNCT
egc-349	16	1	we	we	PRON
egc-349	16	2	turn	turn	VERB
egc-349	16	3	to	to	ADP
egc-349	16	4	this	this	DET
egc-349	16	5	financial	financial	ADJ
egc-349	16	6	institution	institution	NOUN
egc-349	16	7	in	in	ADP
egc-349	16	8	our	our	PRON
egc-349	16	9	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-349	16	10	mailto:narmet.saparbayevich1962@gmail.com	mailto:narmet.saparbayevich1962@gmail.com	PROPN
egc-349	16	11	eglobal	eglobal	PROPN
egc-349	16	12	congress	congress	PROPN
egc-349	16	13	hosted	host	VERB
egc-349	16	14	online	online	ADV
egc-349	16	15	from	from	ADP
egc-349	16	16	dubai	dubai	PROPN
egc-349	16	17	,	,	PUNCT
egc-349	16	18	u.	u.	PROPN
egc-349	16	19	a.	a.	PROPN
egc-349	16	20	e.	e.	PROPN
egc-349	16	21	,	,	PUNCT
egc-349	16	22	e	e	PROPN
egc-349	16	23	conference	conference	NOUN
egc-349	16	24	.	.	PUNCT
egc-349	17	1	date	date	NOUN
egc-349	17	2	:	:	PUNCT
egc-349	18	1	30th	30th	ADJ
egc-349	18	2	may	may	NOUN
egc-349	18	3	2025	2025	NUM
egc-349	18	4	website	website	NOUN
egc-349	18	5	:	:	PUNCT
egc-349	18	6	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-349	18	7	issn	issn	PROPN
egc-349	18	8	(	(	PUNCT
egc-349	18	9	e	e	NOUN
egc-349	18	10	):	):	PUNCT
egc-349	18	11	2836	2836	NUM
egc-349	18	12	-	-	SYM
egc-349	18	13	3612	3612	NUM
egc-349	18	14	110	110	NUM
egc-349	18	15	|	|	ADV
egc-349	18	16	p	p	X
egc-349	18	17	a	a	DET
egc-349	18	18	g	g	PROPN
egc-349	18	19	e	e	NOUN
egc-349	18	20	daily	daily	ADJ
egc-349	18	21	lives	live	VERB
egc-349	18	22	.	.	PUNCT
egc-349	19	1	this	this	DET
egc-349	19	2	financial	financial	ADJ
egc-349	19	3	institution	institution	NOUN
egc-349	19	4	helps	help	VERB
egc-349	19	5	us	we	PRON
egc-349	19	6	in	in	ADP
egc-349	19	7	everything	everything	PRON
egc-349	19	8	from	from	ADP
egc-349	19	9	small	small	ADJ
egc-349	19	10	transactions	transaction	NOUN
egc-349	19	11	made	make	VERB
egc-349	19	12	on	on	ADP
egc-349	19	13	a	a	DET
egc-349	19	14	plastic	plastic	ADJ
egc-349	19	15	card	card	NOUN
egc-349	19	16	to	to	ADP
egc-349	19	17	currency	currency	NOUN
egc-349	19	18	exchange	exchange	NOUN
egc-349	19	19	[	[	X
egc-349	19	20	5	5	NUM
egc-349	19	21	]	]	PUNCT
egc-349	19	22	.	.	PUNCT
egc-349	20	1	in	in	ADP
egc-349	20	2	recent	recent	ADJ
egc-349	20	3	years	year	NOUN
egc-349	20	4	,	,	PUNCT
egc-349	20	5	digital	digital	ADJ
egc-349	20	6	technologies	technology	NOUN
egc-349	20	7	have	have	AUX
egc-349	20	8	fundamentally	fundamentally	ADV
egc-349	20	9	changed	change	VERB
egc-349	20	10	the	the	DET
egc-349	20	11	financial	financial	ADJ
egc-349	20	12	sector	sector	NOUN
egc-349	20	13	.	.	PUNCT
egc-349	21	1	the	the	DET
egc-349	21	2	digitization	digitization	NOUN
egc-349	21	3	of	of	ADP
egc-349	21	4	banking	banking	NOUN
egc-349	21	5	services	service	NOUN
egc-349	21	6	has	have	AUX
egc-349	21	7	led	lead	VERB
egc-349	21	8	to	to	ADP
egc-349	21	9	major	major	ADJ
egc-349	21	10	changes	change	NOUN
egc-349	21	11	in	in	ADP
egc-349	21	12	the	the	DET
egc-349	21	13	activities	activity	NOUN
egc-349	21	14	of	of	ADP
egc-349	21	15	commercial	commercial	ADJ
egc-349	21	16	banks	bank	NOUN
egc-349	21	17	and	and	CCONJ
egc-349	21	18	created	create	VERB
egc-349	21	19	many	many	ADJ
egc-349	21	20	conveniences	convenience	NOUN
egc-349	21	21	for	for	ADP
egc-349	21	22	customers	customer	NOUN
egc-349	21	23	.	.	PUNCT
egc-349	22	1	digital	digital	ADJ
egc-349	22	2	deposit	deposit	NOUN
egc-349	22	3	services	service	NOUN
egc-349	22	4	are	be	AUX
egc-349	22	5	one	one	NUM
egc-349	22	6	of	of	ADP
egc-349	22	7	the	the	DET
egc-349	22	8	important	important	ADJ
egc-349	22	9	directions	direction	NOUN
egc-349	22	10	of	of	ADP
egc-349	22	11	such	such	ADJ
egc-349	22	12	changes	change	NOUN
egc-349	22	13	,	,	PUNCT
egc-349	22	14	allowing	allow	VERB
egc-349	22	15	to	to	PART
egc-349	22	16	implement	implement	VERB
egc-349	22	17	traditional	traditional	ADJ
egc-349	22	18	banking	banking	NOUN
egc-349	22	19	services	service	NOUN
egc-349	22	20	faster	fast	ADV
egc-349	22	21	,	,	PUNCT
egc-349	22	22	more	more	ADV
egc-349	22	23	conveniently	conveniently	ADV
egc-349	22	24	and	and	CCONJ
egc-349	22	25	more	more	ADV
egc-349	22	26	efficiently	efficiently	ADV
egc-349	22	27	.	.	PUNCT
egc-349	23	1	the	the	DET
egc-349	23	2	main	main	ADJ
egc-349	23	3	task	task	NOUN
egc-349	23	4	of	of	ADP
egc-349	23	5	any	any	DET
egc-349	23	6	payment	payment	NOUN
egc-349	23	7	system	system	NOUN
egc-349	23	8	is	be	AUX
egc-349	23	9	to	to	PART
egc-349	23	10	ensure	ensure	VERB
egc-349	23	11	the	the	DET
egc-349	23	12	dynamic	dynamic	ADJ
egc-349	23	13	and	and	CCONJ
egc-349	23	14	sustainable	sustainable	ADJ
egc-349	23	15	development	development	NOUN
egc-349	23	16	of	of	ADP
egc-349	23	17	economic	economic	ADJ
egc-349	23	18	turnover	turnover	NOUN
egc-349	23	19	.	.	PUNCT
egc-349	24	1	international	international	ADJ
egc-349	24	2	payments	payment	NOUN
egc-349	24	3	provide	provide	VERB
egc-349	24	4	control	control	NOUN
egc-349	24	5	over	over	ADP
egc-349	24	6	the	the	DET
egc-349	24	7	elements	element	NOUN
egc-349	24	8	of	of	ADP
egc-349	24	9	credit	credit	NOUN
egc-349	24	10	and	and	CCONJ
egc-349	24	11	financial	financial	ADJ
egc-349	24	12	market	market	NOUN
egc-349	24	13	,	,	PUNCT
egc-349	24	14	thereby	thereby	ADV
egc-349	24	15	helping	help	VERB
egc-349	24	16	to	to	PART
egc-349	24	17	effectively	effectively	ADV
egc-349	24	18	manage	manage	VERB
egc-349	24	19	cash	cash	NOUN
egc-349	24	20	liquidity	liquidity	NOUN
egc-349	24	21	and	and	CCONJ
egc-349	24	22	reduce	reduce	VERB
egc-349	24	23	excess	excess	ADJ
egc-349	24	24	reserves	reserve	NOUN
egc-349	24	25	.	.	PUNCT
egc-349	25	1	such	such	ADJ
egc-349	25	2	systems	system	NOUN
egc-349	25	3	facilitate	facilitate	VERB
egc-349	25	4	the	the	DET
egc-349	25	5	implementation	implementation	NOUN
egc-349	25	6	of	of	ADP
egc-349	25	7	many	many	ADJ
egc-349	25	8	programs	program	NOUN
egc-349	25	9	in	in	ADP
egc-349	25	10	the	the	DET
egc-349	25	11	field	field	NOUN
egc-349	25	12	of	of	ADP
egc-349	25	13	finance	finance	NOUN
egc-349	25	14	and	and	CCONJ
egc-349	25	15	credit	credit	NOUN
egc-349	25	16	and	and	CCONJ
egc-349	25	17	make	make	VERB
egc-349	25	18	it	it	PRON
egc-349	25	19	possible	possible	ADJ
egc-349	25	20	to	to	PART
egc-349	25	21	activate	activate	VERB
egc-349	25	22	financial	financial	ADJ
egc-349	25	23	transactions	transaction	NOUN
egc-349	25	24	.	.	PUNCT
egc-349	26	1	technological	technological	ADJ
egc-349	26	2	advances	advance	NOUN
egc-349	26	3	in	in	ADP
egc-349	26	4	the	the	DET
egc-349	26	5	field	field	NOUN
egc-349	26	6	of	of	ADP
egc-349	26	7	digitization	digitization	NOUN
egc-349	26	8	,	,	PUNCT
egc-349	26	9	data	datum	NOUN
egc-349	26	10	processing	processing	NOUN
egc-349	26	11	and	and	CCONJ
egc-349	26	12	storage	storage	NOUN
egc-349	26	13	have	have	AUX
egc-349	26	14	significantly	significantly	ADV
egc-349	26	15	increased	increase	VERB
egc-349	26	16	the	the	DET
egc-349	26	17	availability	availability	NOUN
egc-349	26	18	and	and	CCONJ
egc-349	26	19	convenience	convenience	NOUN
egc-349	26	20	of	of	ADP
egc-349	26	21	electronic	electronic	ADJ
egc-349	26	22	payments	payment	NOUN
egc-349	26	23	.	.	PUNCT
egc-349	27	1	new	new	ADJ
egc-349	27	2	products	product	NOUN
egc-349	27	3	and	and	CCONJ
egc-349	27	4	services	service	NOUN
egc-349	27	5	offer	offer	VERB
egc-349	27	6	faster	fast	ADJ
egc-349	27	7	and	and	CCONJ
egc-349	27	8	more	more	ADV
egc-349	27	9	convenient	convenient	ADJ
egc-349	27	10	payments	payment	NOUN
egc-349	27	11	for	for	ADP
egc-349	27	12	individuals	individual	NOUN
egc-349	27	13	and	and	CCONJ
egc-349	27	14	businesses	business	NOUN
egc-349	27	15	,	,	PUNCT
egc-349	27	16	and	and	CCONJ
egc-349	27	17	the	the	DET
egc-349	27	18	wide	wide	ADJ
egc-349	27	19	range	range	NOUN
egc-349	27	20	of	of	ADP
egc-349	27	21	options	option	NOUN
egc-349	27	22	offered	offer	VERB
egc-349	27	23	stimulates	stimulate	NOUN
egc-349	27	24	competition	competition	NOUN
egc-349	27	25	and	and	CCONJ
egc-349	27	26	innovation	innovation	NOUN
egc-349	27	27	among	among	ADP
egc-349	27	28	end	end	NOUN
egc-349	27	29	-	-	PUNCT
egc-349	27	30	user	user	NOUN
egc-349	27	31	service	service	NOUN
egc-349	27	32	providers	provider	NOUN
egc-349	27	33	.	.	PUNCT
egc-349	28	1	currently	currently	ADV
egc-349	28	2	,	,	PUNCT
egc-349	28	3	many	many	ADJ
egc-349	28	4	new	new	ADJ
egc-349	28	5	payment	payment	NOUN
egc-349	28	6	services	service	NOUN
egc-349	28	7	are	be	AUX
egc-349	28	8	being	be	AUX
egc-349	28	9	added	add	VERB
egc-349	28	10	to	to	ADP
egc-349	28	11	existing	exist	VERB
egc-349	28	12	ones	one	NOUN
egc-349	28	13	.	.	PUNCT
egc-349	29	1	in	in	ADP
egc-349	29	2	the	the	DET
egc-349	29	3	development	development	NOUN
egc-349	29	4	of	of	ADP
egc-349	29	5	banking	banking	NOUN
egc-349	29	6	innovations	innovation	NOUN
egc-349	29	7	,	,	PUNCT
egc-349	29	8	it	it	PRON
egc-349	29	9	is	be	AUX
egc-349	29	10	important	important	ADJ
egc-349	29	11	to	to	PART
egc-349	29	12	study	study	VERB
egc-349	29	13	and	and	CCONJ
egc-349	29	14	effectively	effectively	ADV
egc-349	29	15	use	use	VERB
egc-349	29	16	the	the	DET
egc-349	29	17	best	good	ADJ
egc-349	29	18	practices	practice	NOUN
egc-349	29	19	of	of	ADP
egc-349	29	20	foreign	foreign	ADJ
egc-349	29	21	countries	country	NOUN
egc-349	29	22	.	.	PUNCT
egc-349	30	1	uzbek	uzbek	PROPN
egc-349	30	2	banks	bank	NOUN
egc-349	30	3	should	should	AUX
egc-349	30	4	expand	expand	VERB
egc-349	30	5	cooperation	cooperation	NOUN
egc-349	30	6	with	with	ADP
egc-349	30	7	leading	lead	VERB
egc-349	30	8	companies	company	NOUN
egc-349	30	9	in	in	ADP
egc-349	30	10	the	the	DET
egc-349	30	11	fintech	fintech	NOUN
egc-349	30	12	sector	sector	NOUN
egc-349	30	13	,	,	PUNCT
egc-349	30	14	reputable	reputable	ADJ
egc-349	30	15	financial	financial	ADJ
egc-349	30	16	institutions	institution	NOUN
egc-349	30	17	and	and	CCONJ
egc-349	30	18	innovation	innovation	NOUN
egc-349	30	19	centers	center	NOUN
egc-349	30	20	,	,	PUNCT
egc-349	30	21	implement	implement	VERB
egc-349	30	22	joint	joint	ADJ
egc-349	30	23	projects	project	NOUN
egc-349	30	24	,	,	PUNCT
egc-349	30	25	and	and	CCONJ
egc-349	30	26	actively	actively	ADV
egc-349	30	27	participate	participate	VERB
egc-349	30	28	in	in	ADP
egc-349	30	29	international	international	ADJ
egc-349	30	30	arenas	arena	NOUN
egc-349	30	31	.	.	PUNCT
egc-349	31	1	in	in	ADP
egc-349	31	2	2022	2022	NUM
egc-349	31	3	,	,	PUNCT
egc-349	31	4	more	more	ADJ
egc-349	31	5	than	than	ADP
egc-349	31	6	30	30	NUM
egc-349	31	7	international	international	ADJ
egc-349	31	8	cooperation	cooperation	NOUN
egc-349	31	9	agreements	agreement	NOUN
egc-349	31	10	and	and	CCONJ
egc-349	31	11	memorandums	memorandum	NOUN
egc-349	31	12	were	be	AUX
egc-349	31	13	signed	sign	VERB
egc-349	31	14	by	by	ADP
egc-349	31	15	leading	lead	VERB
egc-349	31	16	banks	bank	NOUN
egc-349	31	17	of	of	ADP
egc-349	31	18	uzbekistan	uzbekistan	PROPN
egc-349	31	19	.	.	PUNCT
egc-349	32	1	further	far	ADV
egc-349	32	2	strengthening	strengthen	VERB
egc-349	32	3	and	and	CCONJ
egc-349	32	4	expanding	expand	VERB
egc-349	32	5	such	such	ADJ
egc-349	32	6	international	international	ADJ
egc-349	32	7	relations	relation	NOUN
egc-349	32	8	will	will	AUX
egc-349	32	9	allow	allow	VERB
egc-349	32	10	for	for	ADP
egc-349	32	11	the	the	DET
egc-349	32	12	exchange	exchange	NOUN
egc-349	32	13	of	of	ADP
egc-349	32	14	knowledge	knowledge	NOUN
egc-349	32	15	and	and	CCONJ
egc-349	32	16	experience	experience	NOUN
egc-349	32	17	in	in	ADP
egc-349	32	18	the	the	DET
egc-349	32	19	field	field	NOUN
egc-349	32	20	of	of	ADP
egc-349	32	21	innovations	innovation	NOUN
egc-349	32	22	.	.	PUNCT
egc-349	33	1	improving	improve	VERB
egc-349	33	2	the	the	DET
egc-349	33	3	management	management	NOUN
egc-349	33	4	of	of	ADP
egc-349	33	5	innovative	innovative	ADJ
egc-349	33	6	activities	activity	NOUN
egc-349	33	7	of	of	ADP
egc-349	33	8	commercial	commercial	ADJ
egc-349	33	9	banks	bank	NOUN
egc-349	33	10	of	of	ADP
egc-349	33	11	uzbekistan	uzbekistan	PROPN
egc-349	33	12	requires	require	VERB
egc-349	33	13	the	the	DET
egc-349	33	14	implementation	implementation	NOUN
egc-349	33	15	of	of	ADP
egc-349	33	16	comprehensive	comprehensive	ADJ
egc-349	33	17	measures	measure	NOUN
egc-349	33	18	such	such	ADJ
egc-349	33	19	as	as	ADP
egc-349	33	20	the	the	DET
egc-349	33	21	widespread	widespread	ADJ
egc-349	33	22	introduction	introduction	NOUN
egc-349	33	23	of	of	ADP
egc-349	33	24	digital	digital	ADJ
egc-349	33	25	technologies	technology	NOUN
egc-349	33	26	,	,	PUNCT
egc-349	33	27	the	the	DET
egc-349	33	28	development	development	NOUN
egc-349	33	29	of	of	ADP
egc-349	33	30	innovative	innovative	ADJ
egc-349	33	31	banking	banking	NOUN
egc-349	33	32	products	product	NOUN
egc-349	33	33	and	and	CCONJ
egc-349	33	34	services	service	NOUN
egc-349	33	35	,	,	PUNCT
egc-349	33	36	the	the	DET
egc-349	33	37	development	development	NOUN
egc-349	33	38	of	of	ADP
egc-349	33	39	bank	bank	PROPN
egc-349	33	40	employees	employee	NOUN
egc-349	33	41	'	'	PART
egc-349	33	42	competencies	competency	NOUN
egc-349	33	43	,	,	PUNCT
egc-349	33	44	the	the	DET
egc-349	33	45	formation	formation	NOUN
egc-349	33	46	of	of	ADP
egc-349	33	47	an	an	DET
egc-349	33	48	open	open	ADJ
egc-349	33	49	banking	banking	NOUN
egc-349	33	50	ecosystem	ecosystem	NOUN
egc-349	33	51	,	,	PUNCT
egc-349	33	52	increasing	increase	VERB
egc-349	33	53	financial	financial	ADJ
egc-349	33	54	inclusion	inclusion	NOUN
egc-349	33	55	,	,	PUNCT
egc-349	33	56	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-349	33	57	eglobal	eglobal	PROPN
egc-349	33	58	congress	congress	PROPN
egc-349	33	59	hosted	host	VERB
egc-349	33	60	online	online	ADV
egc-349	33	61	from	from	ADP
egc-349	33	62	dubai	dubai	PROPN
egc-349	33	63	,	,	PUNCT
egc-349	33	64	u.	u.	PROPN
egc-349	33	65	a.	a.	PROPN
egc-349	33	66	e.	e.	PROPN
egc-349	33	67	,	,	PUNCT
egc-349	33	68	e	e	PROPN
egc-349	33	69	conference	conference	NOUN
egc-349	33	70	.	.	PUNCT
egc-349	34	1	date	date	NOUN
egc-349	34	2	:	:	PUNCT
egc-349	35	1	30th	30th	ADJ
egc-349	35	2	may	may	NOUN
egc-349	35	3	2025	2025	NUM
egc-349	35	4	website	website	NOUN
egc-349	35	5	:	:	PUNCT
egc-349	35	6	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-349	35	7	issn	issn	PROPN
egc-349	35	8	(	(	PUNCT
egc-349	35	9	e	e	NOUN
egc-349	35	10	):	):	PUNCT
egc-349	35	11	2836	2836	NUM
egc-349	35	12	-	-	SYM
egc-349	35	13	3612	3612	NUM
egc-349	35	14	111	111	NUM
egc-349	35	15	|	|	ADV
egc-349	35	16	p	p	NOUN
egc-349	35	17	a	a	DET
egc-349	35	18	g	g	NOUN
egc-349	35	19	e	e	NOUN
egc-349	35	20	the	the	DET
egc-349	35	21	implementation	implementation	NOUN
egc-349	35	22	of	of	ADP
egc-349	35	23	new	new	ADJ
egc-349	35	24	financing	financing	NOUN
egc-349	35	25	mechanisms	mechanism	NOUN
egc-349	35	26	,	,	PUNCT
egc-349	35	27	and	and	CCONJ
egc-349	35	28	the	the	DET
egc-349	35	29	creation	creation	NOUN
egc-349	35	30	of	of	ADP
egc-349	35	31	a	a	DET
egc-349	35	32	favorable	favorable	ADJ
egc-349	35	33	legal	legal	ADJ
egc-349	35	34	environment	environment	NOUN
egc-349	35	35	.	.	PUNCT
egc-349	36	1	consistent	consistent	ADJ
egc-349	36	2	reforms	reform	NOUN
egc-349	36	3	and	and	CCONJ
egc-349	36	4	a	a	DET
egc-349	36	5	systematic	systematic	ADJ
egc-349	36	6	approach	approach	NOUN
egc-349	36	7	in	in	ADP
egc-349	36	8	these	these	DET
egc-349	36	9	areas	area	NOUN
egc-349	36	10	will	will	AUX
egc-349	36	11	serve	serve	VERB
egc-349	36	12	to	to	PART
egc-349	36	13	increase	increase	VERB
egc-349	36	14	the	the	DET
egc-349	36	15	competitiveness	competitiveness	NOUN
egc-349	36	16	of	of	ADP
egc-349	36	17	the	the	DET
egc-349	36	18	banking	banking	NOUN
egc-349	36	19	system	system	NOUN
egc-349	36	20	,	,	PUNCT
egc-349	36	21	ensure	ensure	VERB
egc-349	36	22	its	its	PRON
egc-349	36	23	innovative	innovative	ADJ
egc-349	36	24	development	development	NOUN
egc-349	36	25	,	,	PUNCT
egc-349	36	26	and	and	CCONJ
egc-349	36	27	ensure	ensure	VERB
egc-349	36	28	the	the	DET
egc-349	36	29	sustainable	sustainable	ADJ
egc-349	36	30	growth	growth	NOUN
egc-349	36	31	of	of	ADP
egc-349	36	32	our	our	PRON
egc-349	36	33	country	country	NOUN
egc-349	36	34	's	's	PART
egc-349	36	35	economy	economy	NOUN
egc-349	36	36	.	.	PUNCT
egc-349	37	1	research	research	NOUN
egc-349	37	2	and	and	CCONJ
egc-349	37	3	analysis	analysis	NOUN
egc-349	37	4	on	on	ADP
egc-349	37	5	improving	improve	VERB
egc-349	37	6	the	the	DET
egc-349	37	7	management	management	NOUN
egc-349	37	8	of	of	ADP
egc-349	37	9	innovative	innovative	ADJ
egc-349	37	10	activities	activity	NOUN
egc-349	37	11	of	of	ADP
egc-349	37	12	commercial	commercial	ADJ
egc-349	37	13	banks	bank	NOUN
egc-349	37	14	show	show	VERB
egc-349	37	15	that	that	SCONJ
egc-349	37	16	the	the	DET
egc-349	37	17	strategic	strategic	ADJ
egc-349	37	18	importance	importance	NOUN
egc-349	37	19	of	of	ADP
egc-349	37	20	introducing	introduce	VERB
egc-349	37	21	and	and	CCONJ
egc-349	37	22	developing	develop	VERB
egc-349	37	23	innovations	innovation	NOUN
egc-349	37	24	in	in	ADP
egc-349	37	25	the	the	DET
egc-349	37	26	banking	banking	NOUN
egc-349	37	27	system	system	NOUN
egc-349	37	28	is	be	AUX
egc-349	37	29	growing	grow	VERB
egc-349	37	30	.	.	PUNCT
egc-349	38	1	today	today	NOUN
egc-349	38	2	,	,	PUNCT
egc-349	38	3	commercial	commercial	ADJ
egc-349	38	4	banks	bank	NOUN
egc-349	38	5	operating	operate	VERB
egc-349	38	6	in	in	ADP
egc-349	38	7	our	our	PRON
egc-349	38	8	country	country	NOUN
egc-349	38	9	face	face	VERB
egc-349	38	10	important	important	ADJ
egc-349	38	11	tasks	task	NOUN
egc-349	38	12	in	in	ADP
egc-349	38	13	the	the	DET
egc-349	38	14	large	large	ADJ
egc-349	38	15	-	-	PUNCT
egc-349	38	16	scale	scale	NOUN
egc-349	38	17	application	application	NOUN
egc-349	38	18	of	of	ADP
egc-349	38	19	innovative	innovative	ADJ
egc-349	38	20	solutions	solution	NOUN
egc-349	38	21	,	,	PUNCT
egc-349	38	22	active	active	ADJ
egc-349	38	23	mastering	mastering	NOUN
egc-349	38	24	of	of	ADP
egc-349	38	25	digital	digital	ADJ
egc-349	38	26	technologies	technology	NOUN
egc-349	38	27	and	and	CCONJ
egc-349	38	28	introduction	introduction	NOUN
egc-349	38	29	of	of	ADP
egc-349	38	30	new	new	ADJ
egc-349	38	31	business	business	NOUN
egc-349	38	32	models	model	NOUN
egc-349	38	33	.	.	PUNCT
egc-349	39	1	at	at	ADP
egc-349	39	2	the	the	DET
egc-349	39	3	same	same	ADJ
egc-349	39	4	time	time	NOUN
egc-349	39	5	,	,	PUNCT
egc-349	39	6	there	there	PRON
egc-349	39	7	is	be	VERB
egc-349	39	8	a	a	DET
egc-349	39	9	trend	trend	NOUN
egc-349	39	10	in	in	ADP
egc-349	39	11	the	the	DET
egc-349	39	12	use	use	NOUN
egc-349	39	13	of	of	ADP
egc-349	39	14	artificial	artificial	ADJ
egc-349	39	15	intelligence	intelligence	NOUN
egc-349	39	16	technologies	technology	NOUN
egc-349	39	17	,	,	PUNCT
egc-349	39	18	big	big	ADJ
egc-349	39	19	data	datum	NOUN
egc-349	39	20	analysis	analysis	NOUN
egc-349	39	21	and	and	CCONJ
egc-349	39	22	cloud	cloud	NOUN
egc-349	39	23	services	service	NOUN
egc-349	39	24	in	in	ADP
egc-349	39	25	the	the	DET
egc-349	39	26	activities	activity	NOUN
egc-349	39	27	of	of	ADP
egc-349	39	28	commercial	commercial	ADJ
egc-349	39	29	banks	bank	NOUN
egc-349	39	30	.	.	PUNCT
egc-349	40	1	these	these	DET
egc-349	40	2	advanced	advanced	ADJ
egc-349	40	3	technologies	technology	NOUN
egc-349	40	4	allow	allow	VERB
egc-349	40	5	banks	bank	NOUN
egc-349	40	6	to	to	PART
egc-349	40	7	increase	increase	VERB
egc-349	40	8	operational	operational	ADJ
egc-349	40	9	efficiency	efficiency	NOUN
egc-349	40	10	,	,	PUNCT
egc-349	40	11	optimize	optimize	NOUN
egc-349	40	12	costs	cost	NOUN
egc-349	40	13	and	and	CCONJ
egc-349	40	14	provide	provide	VERB
egc-349	40	15	better	well	ADJ
egc-349	40	16	quality	quality	NOUN
egc-349	40	17	service	service	NOUN
egc-349	40	18	to	to	ADP
egc-349	40	19	customers	customer	NOUN
egc-349	40	20	.	.	PUNCT
egc-349	41	1	for	for	ADP
egc-349	41	2	example	example	NOUN
egc-349	41	3	,	,	PUNCT
egc-349	41	4	the	the	DET
egc-349	41	5	introduction	introduction	NOUN
egc-349	41	6	of	of	ADP
egc-349	41	7	chatbots	chatbot	NOUN
egc-349	41	8	and	and	CCONJ
egc-349	41	9	virtual	virtual	ADJ
egc-349	41	10	assistants	assistant	NOUN
egc-349	41	11	helps	help	VERB
egc-349	41	12	to	to	PART
egc-349	41	13	provide	provide	VERB
egc-349	41	14	bank	bank	NOUN
egc-349	41	15	customers	customer	NOUN
egc-349	41	16	with	with	ADP
egc-349	41	17	fast	fast	ADJ
egc-349	41	18	and	and	CCONJ
egc-349	41	19	convenient	convenient	ADJ
egc-349	41	20	advisory	advisory	ADJ
egc-349	41	21	services	service	NOUN
egc-349	41	22	.	.	PUNCT
egc-349	42	1	table	table	NOUN
egc-349	42	2	1	1	NUM
egc-349	42	3	prospects	prospect	NOUN
egc-349	42	4	for	for	ADP
egc-349	42	5	innovative	innovative	ADJ
egc-349	42	6	development	development	NOUN
egc-349	42	7	of	of	ADP
egc-349	42	8	commercial	commercial	ADJ
egc-349	42	9	banks	bank	NOUN
egc-349	42	10	in	in	ADP
egc-349	42	11	uzbekistan	uzbekistan	PROPN
egc-349	42	12	[	[	X
egc-349	42	13	6	6	NUM
egc-349	42	14	]	]	X
egc-349	42	15	innovative	innovative	ADJ
egc-349	42	16	development	development	NOUN
egc-349	42	17	directions	direction	NOUN
egc-349	42	18	share	share	NOUN
egc-349	42	19	of	of	ADP
egc-349	42	20	banks	bank	NOUN
egc-349	42	21	,	,	PUNCT
egc-349	42	22	%	%	NOUN
egc-349	42	23	mobile	mobile	ADJ
egc-349	42	24	banking	banking	NOUN
egc-349	42	25	95	95	NUM
egc-349	42	26	digital	digital	ADJ
egc-349	42	27	banking	banking	NOUN
egc-349	42	28	90	90	NUM
egc-349	42	29	open	open	ADJ
egc-349	42	30	api	api	NOUN
egc-349	42	31	and	and	CCONJ
egc-349	42	32	digital	digital	ADJ
egc-349	42	33	ecosystem	ecosystem	NOUN
egc-349	42	34	75	75	NUM
egc-349	42	35	artificial	artificial	ADJ
egc-349	42	36	intelligence	intelligence	NOUN
egc-349	42	37	and	and	CCONJ
egc-349	42	38	big	big	ADJ
egc-349	42	39	data	datum	NOUN
egc-349	42	40	60	60	NUM
egc-349	42	41	cloud	cloud	NOUN
egc-349	42	42	technologies	technology	NOUN
egc-349	42	43	55	55	NUM
egc-349	42	44	according	accord	VERB
egc-349	42	45	to	to	ADP
egc-349	42	46	table	table	NOUN
egc-349	42	47	1	1	NUM
egc-349	42	48	,	,	PUNCT
egc-349	42	49	in	in	ADP
egc-349	42	50	the	the	DET
egc-349	42	51	coming	come	VERB
egc-349	42	52	years	year	NOUN
egc-349	42	53	,	,	PUNCT
egc-349	42	54	the	the	DET
egc-349	42	55	majority	majority	NOUN
egc-349	42	56	of	of	ADP
egc-349	42	57	uzbek	uzbek	ADJ
egc-349	42	58	commercial	commercial	ADJ
egc-349	42	59	banks	bank	NOUN
egc-349	42	60	are	be	AUX
egc-349	42	61	expected	expect	VERB
egc-349	42	62	to	to	PART
egc-349	42	63	prioritize	prioritize	VERB
egc-349	42	64	mobile	mobile	ADJ
egc-349	42	65	banking	banking	NOUN
egc-349	42	66	(	(	PUNCT
egc-349	42	67	95	95	NUM
egc-349	42	68	percent	percent	NOUN
egc-349	42	69	)	)	PUNCT
egc-349	42	70	and	and	CCONJ
egc-349	42	71	digital	digital	ADJ
egc-349	42	72	banking	banking	NOUN
egc-349	42	73	(	(	PUNCT
egc-349	42	74	90	90	NUM
egc-349	42	75	percent	percent	NOUN
egc-349	42	76	)	)	PUNCT
egc-349	42	77	.	.	PUNCT
egc-349	43	1	75	75	NUM
egc-349	43	2	percent	percent	NOUN
egc-349	43	3	of	of	ADP
egc-349	43	4	banks	bank	NOUN
egc-349	43	5	plan	plan	VERB
egc-349	43	6	to	to	PART
egc-349	43	7	operate	operate	VERB
egc-349	43	8	in	in	ADP
egc-349	43	9	the	the	DET
egc-349	43	10	areas	area	NOUN
egc-349	43	11	of	of	ADP
egc-349	43	12	open	open	ADJ
egc-349	43	13	api	api	NOUN
egc-349	43	14	and	and	CCONJ
egc-349	43	15	digital	digital	ADJ
egc-349	43	16	ecosystem	ecosystem	NOUN
egc-349	43	17	creation	creation	NOUN
egc-349	43	18	.	.	PUNCT
egc-349	44	1	advanced	advanced	ADJ
egc-349	44	2	solutions	solution	NOUN
egc-349	44	3	such	such	ADJ
egc-349	44	4	as	as	ADP
egc-349	44	5	artificial	artificial	ADJ
egc-349	44	6	intelligence	intelligence	NOUN
egc-349	44	7	,	,	PUNCT
egc-349	44	8	big	big	ADJ
egc-349	44	9	data	datum	NOUN
egc-349	44	10	and	and	CCONJ
egc-349	44	11	cloud	cloud	NOUN
egc-349	44	12	technologies	technology	NOUN
egc-349	44	13	also	also	ADV
egc-349	44	14	occupy	occupy	VERB
egc-349	44	15	an	an	DET
egc-349	44	16	important	important	ADJ
egc-349	44	17	place	place	NOUN
egc-349	44	18	in	in	ADP
egc-349	44	19	the	the	DET
egc-349	44	20	innovative	innovative	ADJ
egc-349	44	21	development	development	NOUN
egc-349	44	22	strategies	strategy	NOUN
egc-349	44	23	of	of	ADP
egc-349	44	24	commercial	commercial	ADJ
egc-349	44	25	banks	bank	NOUN
egc-349	44	26	.	.	PUNCT
egc-349	45	1	according	accord	VERB
egc-349	45	2	to	to	ADP
egc-349	45	3	the	the	DET
egc-349	45	4	above	above	ADJ
egc-349	45	5	analysis	analysis	NOUN
egc-349	45	6	,	,	PUNCT
egc-349	45	7	the	the	DET
egc-349	45	8	implementation	implementation	NOUN
egc-349	45	9	of	of	ADP
egc-349	45	10	innovations	innovation	NOUN
egc-349	45	11	(	(	PUNCT
egc-349	45	12	knowhow	knowhow	NOUN
egc-349	45	13	)	)	PUNCT
egc-349	45	14	in	in	ADP
egc-349	45	15	large	large	ADJ
egc-349	45	16	banks	bank	NOUN
egc-349	45	17	is	be	AUX
egc-349	45	18	difficult	difficult	ADJ
egc-349	45	19	,	,	PUNCT
egc-349	45	20	and	and	CCONJ
egc-349	45	21	the	the	DET
egc-349	45	22	fact	fact	NOUN
egc-349	45	23	that	that	SCONJ
egc-349	45	24	some	some	DET
egc-349	45	25	measures	measure	NOUN
egc-349	45	26	lag	lag	VERB
egc-349	45	27	behind	behind	ADP
egc-349	45	28	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-349	45	29	eglobal	eglobal	PROPN
egc-349	45	30	congress	congress	PROPN
egc-349	45	31	hosted	host	VERB
egc-349	45	32	online	online	ADV
egc-349	45	33	from	from	ADP
egc-349	45	34	dubai	dubai	PROPN
egc-349	45	35	,	,	PUNCT
egc-349	45	36	u.	u.	PROPN
egc-349	45	37	a.	a.	PROPN
egc-349	45	38	e.	e.	PROPN
egc-349	45	39	,	,	PUNCT
egc-349	45	40	e	e	PROPN
egc-349	45	41	conference	conference	NOUN
egc-349	45	42	.	.	PUNCT
egc-349	46	1	date	date	NOUN
egc-349	46	2	:	:	PUNCT
egc-349	47	1	30th	30th	ADJ
egc-349	47	2	may	may	NOUN
egc-349	47	3	2025	2025	NUM
egc-349	47	4	website	website	NOUN
egc-349	47	5	:	:	PUNCT
egc-349	47	6	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-349	47	7	issn	issn	PROPN
egc-349	47	8	(	(	PUNCT
egc-349	47	9	e	e	NOUN
egc-349	47	10	):	):	PUNCT
egc-349	47	11	2836	2836	NUM
egc-349	47	12	-	-	SYM
egc-349	47	13	3612	3612	NUM
egc-349	47	14	112	112	NUM
egc-349	47	15	|	|	ADV
egc-349	47	16	p	p	X
egc-349	47	17	a	a	DET
egc-349	47	18	g	g	NOUN
egc-349	47	19	e	e	NOUN
egc-349	47	20	the	the	DET
egc-349	47	21	schedule	schedule	NOUN
egc-349	47	22	of	of	ADP
egc-349	47	23	the	the	DET
egc-349	47	24	sector	sector	NOUN
egc-349	47	25	in	in	ADP
egc-349	47	26	the	the	DET
egc-349	47	27	implementation	implementation	NOUN
egc-349	47	28	of	of	ADP
egc-349	47	29	the	the	DET
egc-349	47	30	strategy	strategy	NOUN
egc-349	47	31	creates	create	VERB
egc-349	47	32	a	a	DET
egc-349	47	33	number	number	NOUN
egc-349	47	34	of	of	ADP
egc-349	47	35	problems	problem	NOUN
egc-349	47	36	.	.	PUNCT
egc-349	48	1	in	in	ADP
egc-349	48	2	conclusion	conclusion	NOUN
egc-349	48	3	,	,	PUNCT
egc-349	48	4	it	it	PRON
egc-349	48	5	should	should	AUX
egc-349	48	6	be	be	AUX
egc-349	48	7	noted	note	VERB
egc-349	48	8	that	that	SCONJ
egc-349	48	9	in	in	ADP
egc-349	48	10	the	the	DET
egc-349	48	11	banking	banking	NOUN
egc-349	48	12	system	system	NOUN
egc-349	48	13	,	,	PUNCT
egc-349	48	14	just	just	ADV
egc-349	48	15	as	as	SCONJ
egc-349	48	16	the	the	DET
egc-349	48	17	introduction	introduction	NOUN
egc-349	48	18	of	of	ADP
egc-349	48	19	innovative	innovative	ADJ
egc-349	48	20	technologies	technology	NOUN
egc-349	48	21	in	in	ADP
egc-349	48	22	a	a	DET
egc-349	48	23	bank	bank	NOUN
egc-349	48	24	is	be	AUX
egc-349	48	25	carried	carry	VERB
egc-349	48	26	out	out	ADP
egc-349	48	27	based	base	VERB
egc-349	48	28	on	on	ADP
egc-349	48	29	its	its	PRON
egc-349	48	30	capabilities	capability	NOUN
egc-349	48	31	,	,	PUNCT
egc-349	48	32	large	large	ADJ
egc-349	48	33	banks	bank	NOUN
egc-349	48	34	have	have	VERB
egc-349	48	35	sufficient	sufficient	ADJ
egc-349	48	36	resources	resource	NOUN
egc-349	48	37	for	for	ADP
egc-349	48	38	these	these	DET
egc-349	48	39	technologies	technology	NOUN
egc-349	48	40	and	and	CCONJ
egc-349	48	41	changes	change	NOUN
egc-349	48	42	,	,	PUNCT
egc-349	48	43	but	but	CCONJ
egc-349	48	44	it	it	PRON
egc-349	48	45	is	be	AUX
egc-349	48	46	precisely	precisely	ADV
egc-349	48	47	in	in	ADP
egc-349	48	48	large	large	ADJ
egc-349	48	49	banks	bank	NOUN
egc-349	48	50	that	that	PRON
egc-349	48	51	the	the	DET
egc-349	48	52	implementation	implementation	NOUN
egc-349	48	53	of	of	ADP
egc-349	48	54	innovations	innovation	NOUN
egc-349	48	55	(	(	PUNCT
egc-349	48	56	know	know	NOUN
egc-349	48	57	-	-	PUNCT
egc-349	48	58	how	how	NOUN
egc-349	48	59	)	)	PUNCT
egc-349	48	60	is	be	AUX
egc-349	48	61	carried	carry	VERB
egc-349	48	62	out	out	ADP
egc-349	48	63	with	with	ADP
egc-349	48	64	difficulties	difficulty	NOUN
egc-349	48	65	.	.	PUNCT
egc-349	49	1	list	list	NOUN
egc-349	49	2	of	of	ADP
egc-349	49	3	used	use	VERB
egc-349	49	4	literature	literature	NOUN
egc-349	49	5	:	:	PUNCT
egc-349	49	6	1	1	X
egc-349	49	7	.	.	X
egc-349	49	8	гонтар	гонтар	PROPN
egc-349	49	9	,	,	PUNCT
egc-349	49	10	а.а	а.а	PROPN
egc-349	49	11	.	.	PROPN
egc-349	49	12	,	,	PUNCT
egc-349	49	13	сазонов	сазонов	NOUN
egc-349	49	14	,	,	PUNCT
egc-349	49	15	с.п	с.п	PROPN
egc-349	49	16	.	.	PROPN
egc-349	49	17	экономические	экономические	PROPN
egc-349	49	18	методы	методы	PROPN
egc-349	49	19	обеспечения	обеспечения	PROPN
egc-349	49	20	информационной	информационной	PROPN
egc-349	49	21	безопасности	безопасности	PROPN
egc-349	49	22	кредитной	кредитной	PROPN
egc-349	49	23	организации	организации	PROPN
egc-349	49	24	//	//	NUM
egc-349	49	25	управление	управление	PROPN
egc-349	49	26	экономическими	экономическими	PROPN
egc-349	49	27	системами	системами	PROPN
egc-349	49	28	:	:	PUNCT
egc-349	49	29	электрон	электрон	NOUN
egc-349	49	30	.	.	PUNCT
egc-349	50	1	науч	науч	NOUN
egc-349	50	2	.	.	PUNCT
egc-349	51	1	журнал	журнал	NOUN
egc-349	51	2	.	.	PUNCT
egc-349	52	1	-2016	-2016	PROPN
egc-349	52	2	.	.	PUNCT
egc-349	53	1	no	no	DET
egc-349	53	2	9	9	NUM
egc-349	53	3	.	.	PUNCT
egc-349	53	4	–	–	PUNCT
egc-349	53	5	с	с	NOUN
egc-349	53	6	.	.	PROPN
egc-349	54	1	6	6	NUM
egc-349	54	2	.	.	NOUN
egc-349	54	3	2	2	NUM
egc-349	54	4	.	.	X
egc-349	54	5	sardana	sardana	PROPN
egc-349	55	1	v.	v.	PROPN
egc-349	55	2	,	,	PUNCT
egc-349	55	3	singhania	singhania	PROPN
egc-349	55	4	s.	s.	PROPN
egc-349	55	5	digital	digital	PROPN
egc-349	55	6	technology	technology	PROPN
egc-349	55	7	in	in	ADP
egc-349	55	8	the	the	DET
egc-349	55	9	realm	realm	NOUN
egc-349	55	10	of	of	ADP
egc-349	55	11	banking	banking	NOUN
egc-349	55	12	:	:	PUNCT
egc-349	55	13	a	a	DET
egc-349	55	14	review	review	NOUN
egc-349	55	15	of	of	ADP
egc-349	55	16	literature	literature	PROPN
egc-349	55	17	//international	//international	PROPN
egc-349	55	18	journal	journal	PROPN
egc-349	55	19	of	of	ADP
egc-349	55	20	research	research	NOUN
egc-349	55	21	in	in	ADP
egc-349	55	22	finance	finance	NOUN
egc-349	55	23	and	and	CCONJ
egc-349	55	24	management	management	NOUN
egc-349	55	25	.	.	PUNCT
egc-349	56	1	–	–	PUNCT
egc-349	56	2	2018	2018	NUM
egc-349	56	3	.	.	PUNCT
egc-349	57	1	–	–	PUNCT
egc-349	57	2	т	т	X
egc-349	57	3	.	.	NOUN
egc-349	57	4	1	1	NUM
egc-349	57	5	.	.	X
egc-349	57	6	–	–	PUNCT
egc-349	57	7	№	№	NOUN
egc-349	57	8	.	.	NOUN
egc-349	58	1	2	2	NUM
egc-349	58	2	.	.	X
egc-349	58	3	–	–	PUNCT
egc-349	58	4	с	с	PROPN
egc-349	58	5	.	.	PROPN
egc-349	58	6	28	28	NUM
egc-349	58	7	-	-	SYM
egc-349	58	8	32	32	NUM
egc-349	58	9	.	.	PUNCT
egc-349	59	1	3	3	X
egc-349	59	2	.	.	X
egc-349	59	3	cuesta	cuesta	PROPN
egc-349	59	4	c.	c.	PROPN
egc-349	59	5	et	et	PROPN
egc-349	59	6	al	al	PROPN
egc-349	59	7	.	.	PUNCT
egc-349	60	1	the	the	DET
egc-349	60	2	digital	digital	ADJ
egc-349	60	3	transformation	transformation	NOUN
egc-349	60	4	of	of	ADP
egc-349	60	5	the	the	DET
egc-349	60	6	banking	banking	NOUN
egc-349	60	7	industry	industry	NOUN
egc-349	60	8	//bbva	//bbva	NOUN
egc-349	60	9	research	research	NOUN
egc-349	60	10	.	.	PUNCT
egc-349	61	1	–	–	PUNCT
egc-349	61	2	2015	2015	NUM
egc-349	61	3	.	.	PUNCT
egc-349	62	1	–	–	PUNCT
egc-349	62	2	т	т	X
egc-349	62	3	.	.	NOUN
egc-349	62	4	1	1	NUM
egc-349	62	5	.	.	X
egc-349	62	6	–	–	PUNCT
egc-349	62	7	№	№	NOUN
egc-349	62	8	.	.	PUNCT
egc-349	63	1	4	4	NUM
egc-349	63	2	.	.	X
egc-349	63	3	–	–	PUNCT
egc-349	63	4	с	с	NOUN
egc-349	63	5	.	.	PROPN
egc-349	63	6	1	1	NUM
egc-349	63	7	-	-	SYM
egc-349	63	8	10	10	NUM
egc-349	63	9	.	.	PUNCT
egc-349	64	1	4	4	NUM
egc-349	64	2	.	.	X
egc-349	65	1	жарковскаya	жарковскаya	ADJ
egc-349	65	2	,	,	PUNCT
egc-349	65	3	е.п	е.п	PROPN
egc-349	65	4	.	.	PROPN
egc-349	66	1	банковское	банковское	VERB
egc-349	66	2	дело	дело	ADJ
egc-349	66	3	:	:	PUNCT
egc-349	66	4	длya	длya	NOUN
egc-349	66	5	студентов	студентов	NOUN
egc-349	66	6	вузов	вузов	NOUN
egc-349	66	7	по	по	PROPN
egc-349	66	8	специалностyaм	специалностyaм	PROPN
egc-349	66	9	«	«	PUNCT
egc-349	66	10	финансы	финансы	X
egc-349	66	11	и	и	PROPN
egc-349	66	12	кредит	кредит	PROPN
egc-349	66	13	»	»	PUNCT
egc-349	66	14	,	,	PUNCT
egc-349	66	15	«	«	PUNCT
egc-349	66	16	бухгалтерский	бухгалтерский	NOUN
egc-349	66	17	уchет	уchет	VERB
egc-349	66	18	,	,	PUNCT
egc-349	66	19	анализ	анализ	PROPN
egc-349	66	20	и	и	PROPN
egc-349	66	21	аудит	аудит	PROPN
egc-349	66	22	»	»	X
egc-349	66	23	/	/	SYM
egc-349	66	24	е	е	X
egc-349	66	25	.	.	PUNCT
egc-349	67	1	п	п	PROPN
egc-349	67	2	.	.	PUNCT
egc-349	68	1	жарковскаya	жарковскаya	PROPN
egc-349	68	2	.	.	PUNCT
egc-349	69	1	–	–	PUNCT
egc-349	69	2	4	4	NUM
egc-349	69	3	-	-	PUNCT
egc-349	69	4	е	е	NOUN
egc-349	69	5	изд	изд	NOUN
egc-349	69	6	.	.	PROPN
egc-349	69	7	,	,	PUNCT
egc-349	69	8	перераб	перераб	PROPN
egc-349	69	9	.	.	PUNCT
egc-349	70	1	и	и	PROPN
egc-349	70	2	доп	доп	PROPN
egc-349	70	3	.	.	PUNCT
egc-349	71	1	–	–	PUNCT
egc-349	71	2	м	м	X
egc-349	71	3	.	.	PUNCT
egc-349	71	4	:	:	PUNCT
egc-349	71	5	омега	омега	PROPN
egc-349	71	6	-	-	PUNCT
egc-349	71	7	л	л	NOUN
egc-349	71	8	,	,	PUNCT
egc-349	71	9	2012	2012	NUM
egc-349	71	10	.	.	PUNCT
egc-349	72	1	–	–	PUNCT
egc-349	72	2	452	452	NUM
egc-349	72	3	с	с	NOUN
egc-349	72	4	.	.	PROPN
egc-349	73	1	5	5	NUM
egc-349	73	2	.	.	PUNCT
egc-349	73	3	skinner	skinner	PROPN
egc-349	73	4	c.	c.	PROPN
egc-349	73	5	digital	digital	PROPN
egc-349	73	6	bank	bank	PROPN
egc-349	73	7	:	:	PUNCT
egc-349	73	8	strategies	strategy	NOUN
egc-349	73	9	to	to	PART
egc-349	73	10	launch	launch	VERB
egc-349	73	11	or	or	CCONJ
egc-349	73	12	become	become	VERB
egc-349	73	13	a	a	DET
egc-349	73	14	digital	digital	ADJ
egc-349	73	15	bank	bank	NOUN
egc-349	73	16	.	.	PUNCT
egc-349	74	1	–	–	PUNCT
egc-349	74	2	marshall	marshall	PROPN
egc-349	74	3	cavendish	cavendish	PROPN
egc-349	74	4	international	international	PROPN
egc-349	74	5	asia	asia	PROPN
egc-349	74	6	pte	pte	PROPN
egc-349	74	7	ltd	ltd	PROPN
egc-349	74	8	,	,	PUNCT
egc-349	74	9	2014	2014	NUM
egc-349	74	10	.	.	PUNCT
egc-349	75	1	6	6	NUM
egc-349	75	2	.	.	X
egc-349	75	3	information	information	NOUN
egc-349	75	4	from	from	ADP
egc-349	75	5	the	the	DET
egc-349	75	6	official	official	ADJ
egc-349	75	7	website	website	NOUN
egc-349	75	8	of	of	ADP
egc-349	75	9	the	the	DET
egc-349	75	10	central	central	ADJ
egc-349	75	11	bank	bank	NOUN
egc-349	75	12	of	of	ADP
egc-349	75	13	the	the	DET
egc-349	75	14	republic	republic	NOUN
egc-349	75	15	of	of	ADP
egc-349	75	16	uzbekistan	uzbekistan	PROPN
egc-349	75	17	–	–	PUNCT
egc-349	75	18	www.cbu.uz	www.cbu.uz	ADJ
egc-349	75	19	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-349	75	20	http://www.cbu.uz/	http://www.cbu.uz/	ADP