id	sid	tid	token	lemma	pos
easat-1666	1	1	edelweiss	edelweiss	PROPN
easat-1666	1	2	applied	apply	VERB
easat-1666	1	3	science	science	NOUN
easat-1666	1	4	and	and	CCONJ
easat-1666	1	5	technology	technology	NOUN
easat-1666	1	6	issn	issn	PROPN
easat-1666	1	7	:	:	PUNCT
easat-1666	1	8	2576	2576	NUM
easat-1666	1	9	-	-	SYM
easat-1666	1	10	8484	8484	NUM
easat-1666	1	11	vol	vol	NOUN
easat-1666	1	12	.	.	PROPN
easat-1666	1	13	8	8	NUM
easat-1666	1	14	,	,	PUNCT
easat-1666	1	15	no	no	INTJ
easat-1666	1	16	.	.	NOUN
easat-1666	1	17	3	3	NUM
easat-1666	1	18	,	,	PUNCT
easat-1666	1	19	412	412	NUM
easat-1666	1	20	-	-	SYM
easat-1666	1	21	422	422	NUM
easat-1666	1	22	2024	2024	NUM
easat-1666	1	23	publisher	publisher	NOUN
easat-1666	1	24	:	:	PUNCT
easat-1666	1	25	learning	learn	VERB
easat-1666	1	26	gate	gate	NOUN
easat-1666	1	27	doi	doi	PROPN
easat-1666	1	28	:	:	PUNCT
easat-1666	1	29	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	VERB
easat-1666	1	30	©	©	PROPN
easat-1666	1	31	2024	2024	NUM
easat-1666	1	32	by	by	ADP
easat-1666	1	33	the	the	DET
easat-1666	1	34	authors	author	NOUN
easat-1666	1	35	;	;	PUNCT
easat-1666	1	36	licensee	licensee	PROPN
easat-1666	1	37	learning	learning	NOUN
easat-1666	1	38	gate	gate	NOUN
easat-1666	1	39	©	©	PROPN
easat-1666	1	40	2024	2024	NUM
easat-1666	1	41	by	by	ADP
easat-1666	1	42	the	the	DET
easat-1666	1	43	author	author	NOUN
easat-1666	1	44	;	;	PUNCT
easat-1666	1	45	licensee	licensee	PROPN
easat-1666	1	46	learning	learn	VERB
easat-1666	1	47	gate	gate	NOUN
easat-1666	1	48	*	*	PUNCT
easat-1666	1	49	correspondence	correspondence	NOUN
easat-1666	1	50	:	:	PUNCT
easat-1666	1	51	bus962.huda.abdullah@student.uobabylon.edu.iq	bus962.huda.abdullah@student.uobabylon.edu.iq	NUM
easat-1666	1	52	the	the	DET
easat-1666	1	53	importance	importance	NOUN
easat-1666	1	54	of	of	ADP
easat-1666	1	55	using	use	VERB
easat-1666	1	56	technology	technology	NOUN
easat-1666	1	57	in	in	ADP
easat-1666	1	58	financial	financial	ADJ
easat-1666	1	59	operations	operation	NOUN
easat-1666	1	60	to	to	PART
easat-1666	1	61	further	far	ADV
easat-1666	1	62	improve	improve	VERB
easat-1666	1	63	banks	bank	NOUN
easat-1666	1	64	’	'	PUNCT
easat-1666	1	65	profitability	profitability	NOUN
easat-1666	1	66	huda	huda	PROPN
easat-1666	1	67	abdullah	abdullah	PROPN
easat-1666	1	68	hammadi1	hammadi1	PROPN
easat-1666	1	69	*	*	PUNCT
easat-1666	1	70	assad	assad	PROPN
easat-1666	1	71	munshid	munshid	PROPN
easat-1666	1	72	mohammed2	mohammed2	PROPN
easat-1666	1	73	1,2university	1,2university	PROPN
easat-1666	1	74	of	of	ADP
easat-1666	1	75	babylon	babylon	PROPN
easat-1666	1	76	,	,	PUNCT
easat-1666	1	77	college	college	NOUN
easat-1666	1	78	of	of	ADP
easat-1666	1	79	administration	administration	NOUN
easat-1666	1	80	and	and	CCONJ
easat-1666	1	81	economics	economic	NOUN
easat-1666	1	82	,	,	PUNCT
easat-1666	1	83	iraq	iraq	PROPN
easat-1666	1	84	;	;	PUNCT
easat-1666	1	85	bus962.huda.abdullah@student.uobabylon.edu.iq	bus962.huda.abdullah@student.uobabylon.edu.iq	NUM
easat-1666	1	86	(	(	PUNCT
easat-1666	1	87	h.a.h	h.a.h	NOUN
easat-1666	1	88	)	)	PUNCT
easat-1666	1	89	,	,	PUNCT
easat-1666	1	90	bus.asaad.munshid@uobabylon.edu.iq	bus.asaad.munshid@uobabylon.edu.iq	PROPN
easat-1666	1	91	(	(	PUNCT
easat-1666	1	92	a.m.m	a.m.m	NOUN
easat-1666	1	93	)	)	PUNCT
easat-1666	1	94	.	.	PUNCT
easat-1666	2	1	abstract	abstract	ADJ
easat-1666	2	2	:	:	PUNCT
easat-1666	3	1	the	the	DET
easat-1666	3	2	study	study	NOUN
easat-1666	3	3	aimed	aim	VERB
easat-1666	3	4	to	to	PART
easat-1666	3	5	determine	determine	VERB
easat-1666	3	6	the	the	DET
easat-1666	3	7	status	status	NOUN
easat-1666	3	8	of	of	ADP
easat-1666	3	9	technology	technology	NOUN
easat-1666	3	10	use	use	NOUN
easat-1666	3	11	and	and	CCONJ
easat-1666	3	12	financial	financial	ADJ
easat-1666	3	13	operations	operation	NOUN
easat-1666	3	14	performance	performance	NOUN
easat-1666	3	15	and	and	CCONJ
easat-1666	3	16	its	its	PRON
easat-1666	3	17	impact	impact	NOUN
easat-1666	3	18	on	on	ADP
easat-1666	3	19	profitability	profitability	NOUN
easat-1666	3	20	indicators	indicator	NOUN
easat-1666	3	21	.	.	PUNCT
easat-1666	3	22	is	be	AUX
easat-1666	3	23	there	there	PRON
easat-1666	3	24	interest	interest	NOUN
easat-1666	3	25	in	in	ADP
easat-1666	3	26	technology	technology	NOUN
easat-1666	3	27	among	among	ADP
easat-1666	3	28	banks	bank	NOUN
easat-1666	3	29	and	and	CCONJ
easat-1666	3	30	to	to	ADP
easat-1666	3	31	what	what	DET
easat-1666	3	32	extent	extent	NOUN
easat-1666	3	33	are	be	AUX
easat-1666	3	34	banks	bank	NOUN
easat-1666	3	35	able	able	ADJ
easat-1666	3	36	to	to	PART
easat-1666	3	37	provide	provide	VERB
easat-1666	3	38	advanced	advanced	ADJ
easat-1666	3	39	services	service	NOUN
easat-1666	3	40	and	and	CCONJ
easat-1666	3	41	keep	keep	VERB
easat-1666	3	42	pace	pace	NOUN
easat-1666	3	43	with	with	ADP
easat-1666	3	44	developments	development	NOUN
easat-1666	3	45	?	?	PUNCT
easat-1666	4	1	the	the	DET
easat-1666	4	2	major	major	ADJ
easat-1666	4	3	developments	development	NOUN
easat-1666	4	4	in	in	ADP
easat-1666	4	5	modern	modern	ADJ
easat-1666	4	6	technology	technology	NOUN
easat-1666	4	7	have	have	AUX
easat-1666	4	8	contributed	contribute	VERB
easat-1666	4	9	to	to	ADP
easat-1666	4	10	the	the	DET
easat-1666	4	11	application	application	NOUN
easat-1666	4	12	of	of	ADP
easat-1666	4	13	modern	modern	ADJ
easat-1666	4	14	methods	method	NOUN
easat-1666	4	15	of	of	ADP
easat-1666	4	16	dealing	deal	VERB
easat-1666	4	17	with	with	ADP
easat-1666	4	18	customers	customer	NOUN
easat-1666	4	19	and	and	CCONJ
easat-1666	4	20	banks	bank	NOUN
easat-1666	4	21	.	.	PUNCT
easat-1666	5	1	these	these	DET
easat-1666	5	2	recent	recent	ADJ
easat-1666	5	3	changes	change	NOUN
easat-1666	5	4	have	have	AUX
easat-1666	5	5	made	make	VERB
easat-1666	5	6	it	it	PRON
easat-1666	5	7	necessary	necessary	ADJ
easat-1666	5	8	for	for	SCONJ
easat-1666	5	9	iraqi	iraqi	ADJ
easat-1666	5	10	banks	bank	NOUN
easat-1666	5	11	to	to	PART
easat-1666	5	12	advance	advance	VERB
easat-1666	5	13	the	the	DET
easat-1666	5	14	reality	reality	NOUN
easat-1666	5	15	of	of	ADP
easat-1666	5	16	technology	technology	NOUN
easat-1666	5	17	and	and	CCONJ
easat-1666	5	18	the	the	DET
easat-1666	5	19	performance	performance	NOUN
easat-1666	5	20	of	of	ADP
easat-1666	5	21	financial	financial	ADJ
easat-1666	5	22	operations	operation	NOUN
easat-1666	5	23	to	to	PART
easat-1666	5	24	improve	improve	VERB
easat-1666	5	25	profitability	profitability	NOUN
easat-1666	5	26	in	in	ADP
easat-1666	5	27	banks	bank	NOUN
easat-1666	5	28	.	.	PUNCT
easat-1666	6	1	it	it	PRON
easat-1666	6	2	has	have	AUX
easat-1666	6	3	also	also	ADV
easat-1666	6	4	clarified	clarify	VERB
easat-1666	6	5	the	the	DET
easat-1666	6	6	importance	importance	NOUN
easat-1666	6	7	of	of	ADP
easat-1666	6	8	using	use	VERB
easat-1666	6	9	technology	technology	NOUN
easat-1666	6	10	and	and	CCONJ
easat-1666	6	11	banking	banking	NOUN
easat-1666	6	12	services	service	NOUN
easat-1666	6	13	and	and	CCONJ
easat-1666	6	14	the	the	DET
easat-1666	6	15	role	role	NOUN
easat-1666	6	16	they	they	PRON
easat-1666	6	17	play	play	VERB
easat-1666	6	18	in	in	ADP
easat-1666	6	19	serving	serve	VERB
easat-1666	6	20	customers	customer	NOUN
easat-1666	6	21	by	by	ADP
easat-1666	6	22	taking	take	VERB
easat-1666	6	23	advantage	advantage	NOUN
easat-1666	6	24	of	of	ADP
easat-1666	6	25	these	these	DET
easat-1666	6	26	technological	technological	ADJ
easat-1666	6	27	developments	development	NOUN
easat-1666	6	28	.	.	PUNCT
easat-1666	7	1	this	this	DET
easat-1666	7	2	study	study	NOUN
easat-1666	7	3	assumes	assume	VERB
easat-1666	7	4	that	that	SCONJ
easat-1666	7	5	the	the	DET
easat-1666	7	6	use	use	NOUN
easat-1666	7	7	of	of	ADP
easat-1666	7	8	technology	technology	NOUN
easat-1666	7	9	and	and	CCONJ
easat-1666	7	10	the	the	DET
easat-1666	7	11	performance	performance	NOUN
easat-1666	7	12	of	of	ADP
easat-1666	7	13	financial	financial	ADJ
easat-1666	7	14	operations	operation	NOUN
easat-1666	7	15	affect	affect	VERB
easat-1666	7	16	the	the	DET
easat-1666	7	17	indicators	indicator	NOUN
easat-1666	7	18	of	of	ADP
easat-1666	7	19	banks	bank	NOUN
easat-1666	7	20	'	'	PART
easat-1666	7	21	profitability	profitability	NOUN
easat-1666	7	22	.	.	PUNCT
easat-1666	8	1	to	to	PART
easat-1666	8	2	prove	prove	VERB
easat-1666	8	3	the	the	DET
easat-1666	8	4	hypothesis	hypothesis	NOUN
easat-1666	8	5	of	of	ADP
easat-1666	8	6	this	this	DET
easat-1666	8	7	study	study	NOUN
easat-1666	8	8	,	,	PUNCT
easat-1666	8	9	the	the	DET
easat-1666	8	10	data	datum	NOUN
easat-1666	8	11	shown	show	VERB
easat-1666	8	12	by	by	ADP
easat-1666	8	13	the	the	DET
easat-1666	8	14	questionnaire	questionnaire	NOUN
easat-1666	8	15	were	be	AUX
easat-1666	8	16	presented	present	VERB
easat-1666	8	17	and	and	CCONJ
easat-1666	8	18	the	the	DET
easat-1666	8	19	sample	sample	NOUN
easat-1666	8	20	responses	response	NOUN
easat-1666	8	21	were	be	AUX
easat-1666	8	22	analyzed	analyze	VERB
easat-1666	8	23	regarding	regard	VERB
easat-1666	8	24	the	the	DET
easat-1666	8	25	performance	performance	NOUN
easat-1666	8	26	of	of	ADP
easat-1666	8	27	financial	financial	ADJ
easat-1666	8	28	operations	operation	NOUN
easat-1666	8	29	and	and	CCONJ
easat-1666	8	30	enhancing	enhance	VERB
easat-1666	8	31	the	the	DET
easat-1666	8	32	bank	bank	NOUN
easat-1666	8	33	's	's	PART
easat-1666	8	34	profitability	profitability	NOUN
easat-1666	8	35	using	use	VERB
easat-1666	8	36	technology	technology	NOUN
easat-1666	8	37	.	.	PUNCT
easat-1666	9	1	frequency	frequency	NOUN
easat-1666	9	2	distribution	distribution	NOUN
easat-1666	9	3	tables	table	NOUN
easat-1666	9	4	for	for	ADP
easat-1666	9	5	the	the	DET
easat-1666	9	6	study	study	NOUN
easat-1666	9	7	variables	variable	NOUN
easat-1666	9	8	were	be	AUX
easat-1666	9	9	prepared	prepare	VERB
easat-1666	9	10	and	and	CCONJ
easat-1666	9	11	adopted	adopt	VERB
easat-1666	9	12	for	for	ADP
easat-1666	9	13	the	the	DET
easat-1666	9	14	purposes	purpose	NOUN
easat-1666	9	15	of	of	ADP
easat-1666	9	16	the	the	DET
easat-1666	9	17	statistical	statistical	ADJ
easat-1666	9	18	analysis	analysis	NOUN
easat-1666	9	19	process	process	NOUN
easat-1666	9	20	to	to	PART
easat-1666	9	21	obtain	obtain	VERB
easat-1666	9	22	the	the	DET
easat-1666	9	23	weighted	weight	VERB
easat-1666	9	24	arithmetic	arithmetic	ADJ
easat-1666	9	25	means	mean	NOUN
easat-1666	9	26	,	,	PUNCT
easat-1666	9	27	standard	standard	ADJ
easat-1666	9	28	deviations	deviation	NOUN
easat-1666	9	29	,	,	PUNCT
easat-1666	9	30	and	and	CCONJ
easat-1666	9	31	the	the	DET
easat-1666	9	32	coefficient	coefficient	NOUN
easat-1666	9	33	of	of	ADP
easat-1666	9	34	variation	variation	NOUN
easat-1666	9	35	,	,	PUNCT
easat-1666	9	36	to	to	PART
easat-1666	9	37	know	know	VERB
easat-1666	9	38	the	the	DET
easat-1666	9	39	impact	impact	NOUN
easat-1666	9	40	of	of	ADP
easat-1666	9	41	the	the	DET
easat-1666	9	42	variables	variable	NOUN
easat-1666	9	43	.	.	PUNCT
easat-1666	10	1	the	the	DET
easat-1666	10	2	study	study	NOUN
easat-1666	10	3	concluded	conclude	VERB
easat-1666	10	4	that	that	SCONJ
easat-1666	10	5	technological	technological	ADJ
easat-1666	10	6	developments	development	NOUN
easat-1666	10	7	have	have	AUX
easat-1666	10	8	been	be	AUX
easat-1666	10	9	reflected	reflect	VERB
easat-1666	10	10	positively	positively	ADV
easat-1666	10	11	in	in	ADP
easat-1666	10	12	the	the	DET
easat-1666	10	13	banking	banking	NOUN
easat-1666	10	14	sector	sector	NOUN
easat-1666	10	15	.	.	PUNCT
easat-1666	11	1	the	the	DET
easat-1666	11	2	researcher	researcher	NOUN
easat-1666	11	3	concluded	conclude	VERB
easat-1666	11	4	the	the	DET
easat-1666	11	5	study	study	NOUN
easat-1666	11	6	with	with	ADP
easat-1666	11	7	a	a	DET
easat-1666	11	8	set	set	NOUN
easat-1666	11	9	of	of	ADP
easat-1666	11	10	suggestions	suggestion	NOUN
easat-1666	11	11	and	and	CCONJ
easat-1666	11	12	recommendations	recommendation	NOUN
easat-1666	11	13	to	to	PART
easat-1666	11	14	develop	develop	VERB
easat-1666	11	15	and	and	CCONJ
easat-1666	11	16	keep	keep	VERB
easat-1666	11	17	pace	pace	NOUN
easat-1666	11	18	with	with	ADP
easat-1666	11	19	technology	technology	NOUN
easat-1666	11	20	to	to	PART
easat-1666	11	21	increase	increase	VERB
easat-1666	11	22	competition	competition	NOUN
easat-1666	11	23	between	between	ADP
easat-1666	11	24	banks	bank	NOUN
easat-1666	11	25	,	,	PUNCT
easat-1666	11	26	serve	serve	VERB
easat-1666	11	27	customers	customer	NOUN
easat-1666	11	28	,	,	PUNCT
easat-1666	11	29	and	and	CCONJ
easat-1666	11	30	achieve	achieve	VERB
easat-1666	11	31	profitability	profitability	NOUN
easat-1666	11	32	,	,	PUNCT
easat-1666	11	33	including	include	VERB
easat-1666	11	34	addressing	address	VERB
easat-1666	11	35	the	the	DET
easat-1666	11	36	development	development	NOUN
easat-1666	11	37	of	of	ADP
easat-1666	11	38	technology	technology	NOUN
easat-1666	11	39	.	.	PUNCT
easat-1666	12	1	keywords	keyword	NOUN
easat-1666	12	2	:	:	PUNCT
easat-1666	12	3	financial	financial	ADJ
easat-1666	12	4	technology	technology	NOUN
easat-1666	12	5	,	,	PUNCT
easat-1666	12	6	performance	performance	NOUN
easat-1666	12	7	of	of	ADP
easat-1666	12	8	financial	financial	ADJ
easat-1666	12	9	operations	operation	NOUN
easat-1666	12	10	,	,	PUNCT
easat-1666	12	11	profitability	profitability	NOUN
easat-1666	12	12	.	.	PUNCT
easat-1666	13	1	1	1	X
easat-1666	13	2	.	.	X
easat-1666	13	3	introduction	introduction	NOUN
easat-1666	13	4	today	today	NOUN
easat-1666	13	5	,	,	PUNCT
easat-1666	13	6	the	the	DET
easat-1666	13	7	world	world	NOUN
easat-1666	13	8	is	be	AUX
easat-1666	13	9	witnessing	witness	VERB
easat-1666	13	10	rapid	rapid	ADJ
easat-1666	13	11	changes	change	NOUN
easat-1666	13	12	and	and	CCONJ
easat-1666	13	13	developments	development	NOUN
easat-1666	13	14	in	in	ADP
easat-1666	13	15	all	all	DET
easat-1666	13	16	aspects	aspect	NOUN
easat-1666	13	17	of	of	ADP
easat-1666	13	18	life	life	NOUN
easat-1666	13	19	and	and	CCONJ
easat-1666	13	20	the	the	DET
easat-1666	13	21	increase	increase	NOUN
easat-1666	13	22	in	in	ADP
easat-1666	13	23	factors	factor	NOUN
easat-1666	13	24	of	of	ADP
easat-1666	13	25	scientific	scientific	ADJ
easat-1666	13	26	and	and	CCONJ
easat-1666	13	27	technological	technological	ADJ
easat-1666	13	28	innovation	innovation	NOUN
easat-1666	13	29	.	.	PUNCT
easat-1666	14	1	in	in	ADP
easat-1666	14	2	the	the	DET
easat-1666	14	3	current	current	ADJ
easat-1666	14	4	era	era	NOUN
easat-1666	14	5	,	,	PUNCT
easat-1666	14	6	the	the	DET
easat-1666	14	7	technological	technological	ADJ
easat-1666	14	8	development	development	NOUN
easat-1666	14	9	of	of	ADP
easat-1666	14	10	communication	communication	NOUN
easat-1666	14	11	means	mean	NOUN
easat-1666	14	12	has	have	AUX
easat-1666	14	13	led	lead	VERB
easat-1666	14	14	to	to	ADP
easat-1666	14	15	innovation	innovation	NOUN
easat-1666	14	16	and	and	CCONJ
easat-1666	14	17	information	information	NOUN
easat-1666	14	18	,	,	PUNCT
easat-1666	14	19	and	and	CCONJ
easat-1666	14	20	has	have	AUX
easat-1666	14	21	reached	reach	VERB
easat-1666	14	22	a	a	DET
easat-1666	14	23	higher	high	ADJ
easat-1666	14	24	rate	rate	NOUN
easat-1666	14	25	of	of	ADP
easat-1666	14	26	development	development	NOUN
easat-1666	14	27	.	.	PUNCT
easat-1666	15	1	financial	financial	ADJ
easat-1666	15	2	business	business	NOUN
easat-1666	15	3	models	model	NOUN
easat-1666	15	4	need	need	VERB
easat-1666	15	5	to	to	PART
easat-1666	15	6	be	be	AUX
easat-1666	15	7	developed	develop	VERB
easat-1666	15	8	in	in	ADP
easat-1666	15	9	line	line	NOUN
easat-1666	15	10	with	with	ADP
easat-1666	15	11	current	current	ADJ
easat-1666	15	12	developments	development	NOUN
easat-1666	15	13	in	in	ADP
easat-1666	15	14	various	various	ADJ
easat-1666	15	15	sectors	sector	NOUN
easat-1666	15	16	,	,	PUNCT
easat-1666	15	17	which	which	PRON
easat-1666	15	18	has	have	AUX
easat-1666	15	19	led	lead	VERB
easat-1666	15	20	to	to	ADP
easat-1666	15	21	the	the	DET
easat-1666	15	22	trend	trend	NOUN
easat-1666	15	23	towards	towards	ADP
easat-1666	15	24	the	the	DET
easat-1666	15	25	application	application	NOUN
easat-1666	15	26	of	of	ADP
easat-1666	15	27	technology	technology	NOUN
easat-1666	15	28	.	.	PUNCT
easat-1666	16	1	technological	technological	ADJ
easat-1666	16	2	developments	development	NOUN
easat-1666	16	3	have	have	AUX
easat-1666	16	4	led	lead	VERB
easat-1666	16	5	to	to	ADP
easat-1666	16	6	the	the	DET
easat-1666	16	7	emergence	emergence	NOUN
easat-1666	16	8	of	of	ADP
easat-1666	16	9	a	a	DET
easat-1666	16	10	number	number	NOUN
easat-1666	16	11	of	of	ADP
easat-1666	16	12	developments	development	NOUN
easat-1666	16	13	in	in	ADP
easat-1666	16	14	banking	banking	NOUN
easat-1666	16	15	activities	activity	NOUN
easat-1666	16	16	.	.	PUNCT
easat-1666	17	1	this	this	PRON
easat-1666	17	2	is	be	AUX
easat-1666	17	3	due	due	ADJ
easat-1666	17	4	to	to	ADP
easat-1666	17	5	the	the	DET
easat-1666	17	6	fact	fact	NOUN
easat-1666	17	7	that	that	SCONJ
easat-1666	17	8	banking	banking	NOUN
easat-1666	17	9	activities	activity	NOUN
easat-1666	17	10	have	have	AUX
easat-1666	17	11	absorbed	absorb	VERB
easat-1666	17	12	a	a	DET
easat-1666	17	13	huge	huge	ADJ
easat-1666	17	14	number	number	NOUN
easat-1666	17	15	of	of	ADP
easat-1666	17	16	technological	technological	ADJ
easat-1666	17	17	achievements	achievement	NOUN
easat-1666	17	18	that	that	PRON
easat-1666	17	19	have	have	AUX
easat-1666	17	20	been	be	AUX
easat-1666	17	21	achieved	achieve	VERB
easat-1666	17	22	in	in	ADP
easat-1666	17	23	recent	recent	ADJ
easat-1666	17	24	years	year	NOUN
easat-1666	17	25	.	.	PUNCT
easat-1666	18	1	modern	modern	ADJ
easat-1666	18	2	technology	technology	NOUN
easat-1666	18	3	,	,	PUNCT
easat-1666	18	4	competition	competition	NOUN
easat-1666	18	5	and	and	CCONJ
easat-1666	18	6	new	new	ADJ
easat-1666	18	7	financial	financial	ADJ
easat-1666	18	8	innovations	innovation	NOUN
easat-1666	18	9	have	have	AUX
easat-1666	18	10	come	come	VERB
easat-1666	18	11	together	together	ADV
easat-1666	18	12	to	to	PART
easat-1666	18	13	enter	enter	VERB
easat-1666	18	14	a	a	DET
easat-1666	18	15	new	new	ADJ
easat-1666	18	16	era	era	NOUN
easat-1666	18	17	with	with	ADP
easat-1666	18	18	unique	unique	ADJ
easat-1666	18	19	methods	method	NOUN
easat-1666	18	20	and	and	CCONJ
easat-1666	18	21	tools	tool	NOUN
easat-1666	18	22	that	that	PRON
easat-1666	18	23	were	be	AUX
easat-1666	18	24	not	not	PART
easat-1666	18	25	known	know	VERB
easat-1666	18	26	before	before	ADV
easat-1666	18	27	,	,	PUNCT
easat-1666	18	28	and	and	CCONJ
easat-1666	18	29	increased	increase	VERB
easat-1666	18	30	competition	competition	NOUN
easat-1666	18	31	among	among	ADP
easat-1666	18	32	banks	bank	NOUN
easat-1666	18	33	to	to	PART
easat-1666	18	34	provide	provide	VERB
easat-1666	18	35	the	the	DET
easat-1666	18	36	best	good	ADJ
easat-1666	18	37	services	service	NOUN
easat-1666	18	38	by	by	ADP
easat-1666	18	39	understanding	understand	VERB
easat-1666	18	40	the	the	DET
easat-1666	18	41	needs	need	NOUN
easat-1666	18	42	and	and	CCONJ
easat-1666	18	43	expectations	expectation	NOUN
easat-1666	18	44	of	of	ADP
easat-1666	18	45	their	their	PRON
easat-1666	18	46	customers	customer	NOUN
easat-1666	18	47	,	,	PUNCT
easat-1666	18	48	i.e.	i.e.	X
easat-1666	18	49	the	the	DET
easat-1666	18	50	customer	customer	NOUN
easat-1666	18	51	is	be	AUX
easat-1666	18	52	the	the	DET
easat-1666	18	53	main	main	ADJ
easat-1666	18	54	focus	focus	NOUN
easat-1666	18	55	,	,	PUNCT
easat-1666	18	56	and	and	CCONJ
easat-1666	18	57	selecting	select	VERB
easat-1666	18	58	and	and	CCONJ
easat-1666	18	59	training	train	VERB
easat-1666	18	60	their	their	PRON
easat-1666	18	61	employees	employee	NOUN
easat-1666	18	62	to	to	PART
easat-1666	18	63	provide	provide	VERB
easat-1666	18	64	distinguished	distinguished	ADJ
easat-1666	18	65	performance	performance	NOUN
easat-1666	18	66	and	and	CCONJ
easat-1666	18	67	continuous	continuous	ADJ
easat-1666	18	68	improvement	improvement	NOUN
easat-1666	18	69	in	in	ADP
easat-1666	18	70	the	the	DET
easat-1666	18	71	services	service	NOUN
easat-1666	18	72	they	they	PRON
easat-1666	18	73	provide	provide	VERB
easat-1666	18	74	.	.	PUNCT
easat-1666	19	1	importance	importance	NOUN
easat-1666	19	2	of	of	ADP
easat-1666	19	3	the	the	DET
easat-1666	19	4	research	research	NOUN
easat-1666	19	5	:	:	PUNCT
easat-1666	19	6	the	the	DET
easat-1666	19	7	importance	importance	NOUN
easat-1666	19	8	of	of	ADP
easat-1666	19	9	the	the	DET
easat-1666	19	10	research	research	NOUN
easat-1666	19	11	is	be	AUX
easat-1666	19	12	represented	represent	VERB
easat-1666	19	13	in	in	ADP
easat-1666	19	14	:	:	PUNCT
easat-1666	19	15	413	413	NUM
easat-1666	19	16	edelweiss	edelweiss	PROPN
easat-1666	19	17	applied	apply	VERB
easat-1666	19	18	science	science	NOUN
easat-1666	19	19	and	and	CCONJ
easat-1666	19	20	technology	technology	NOUN
easat-1666	19	21	issn	issn	PROPN
easat-1666	19	22	:	:	PUNCT
easat-1666	19	23	2576	2576	NUM
easat-1666	19	24	-	-	SYM
easat-1666	19	25	8484	8484	NUM
easat-1666	19	26	vol	vol	NOUN
easat-1666	19	27	.	.	PROPN
easat-1666	20	1	8	8	NUM
easat-1666	20	2	,	,	PUNCT
easat-1666	20	3	no	no	INTJ
easat-1666	20	4	.	.	NOUN
easat-1666	21	1	3	3	NUM
easat-1666	21	2	:	:	PUNCT
easat-1666	21	3	412	412	NUM
easat-1666	21	4	-	-	SYM
easat-1666	21	5	422	422	NUM
easat-1666	21	6	,	,	PUNCT
easat-1666	21	7	2024	2024	NUM
easat-1666	21	8	doi	doi	NOUN
easat-1666	21	9	:	:	PUNCT
easat-1666	21	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	21	11	©	©	PROPN
easat-1666	21	12	2024	2024	NUM
easat-1666	21	13	by	by	ADP
easat-1666	21	14	the	the	DET
easat-1666	21	15	authors	author	NOUN
easat-1666	21	16	;	;	PUNCT
easat-1666	21	17	licensee	licensee	PROPN
easat-1666	21	18	learning	learning	NOUN
easat-1666	21	19	gate	gate	NOUN
easat-1666	21	20	1improving	1improving	NUM
easat-1666	21	21	the	the	DET
easat-1666	21	22	financial	financial	ADJ
easat-1666	21	23	sector	sector	NOUN
easat-1666	21	24	and	and	CCONJ
easat-1666	21	25	increasing	increase	VERB
easat-1666	21	26	the	the	DET
easat-1666	21	27	profitability	profitability	NOUN
easat-1666	21	28	of	of	ADP
easat-1666	21	29	banks	bank	NOUN
easat-1666	21	30	.	.	PUNCT
easat-1666	22	1	the	the	DET
easat-1666	22	2	results	result	NOUN
easat-1666	22	3	of	of	ADP
easat-1666	22	4	the	the	DET
easat-1666	22	5	study	study	NOUN
easat-1666	22	6	can	can	AUX
easat-1666	22	7	contribute	contribute	VERB
easat-1666	22	8	to	to	ADP
easat-1666	22	9	directing	direct	VERB
easat-1666	22	10	the	the	DET
easat-1666	22	11	financial	financial	ADJ
easat-1666	22	12	sector	sector	NOUN
easat-1666	22	13	towards	towards	ADP
easat-1666	22	14	using	use	VERB
easat-1666	22	15	technology	technology	NOUN
easat-1666	22	16	more	more	ADV
easat-1666	22	17	effectively	effectively	ADV
easat-1666	22	18	and	and	CCONJ
easat-1666	22	19	achieving	achieve	VERB
easat-1666	22	20	more	more	ADJ
easat-1666	22	21	profits	profit	NOUN
easat-1666	22	22	.	.	PUNCT
easat-1666	23	1	2emphasizing	2emphasize	VERB
easat-1666	23	2	the	the	DET
easat-1666	23	3	reliance	reliance	NOUN
easat-1666	23	4	on	on	ADP
easat-1666	23	5	new	new	ADJ
easat-1666	23	6	methods	method	NOUN
easat-1666	23	7	and	and	CCONJ
easat-1666	23	8	techniques	technique	NOUN
easat-1666	23	9	,	,	PUNCT
easat-1666	23	10	which	which	PRON
easat-1666	23	11	are	be	AUX
easat-1666	23	12	an	an	DET
easat-1666	23	13	important	important	ADJ
easat-1666	23	14	measure	measure	NOUN
easat-1666	23	15	of	of	ADP
easat-1666	23	16	the	the	DET
easat-1666	23	17	bank	bank	NOUN
easat-1666	23	18	's	's	PART
easat-1666	23	19	success	success	NOUN
easat-1666	23	20	.	.	PUNCT
easat-1666	24	1	3clarifying	3clarifye	VERB
easat-1666	24	2	the	the	DET
easat-1666	24	3	importance	importance	NOUN
easat-1666	24	4	of	of	ADP
easat-1666	24	5	applying	apply	VERB
easat-1666	24	6	technology	technology	NOUN
easat-1666	24	7	.	.	PUNCT
easat-1666	25	1	4explaining	4explaine	VERB
easat-1666	25	2	the	the	DET
easat-1666	25	3	importance	importance	NOUN
easat-1666	25	4	of	of	ADP
easat-1666	25	5	technology	technology	NOUN
easat-1666	25	6	in	in	ADP
easat-1666	25	7	performing	perform	VERB
easat-1666	25	8	financial	financial	ADJ
easat-1666	25	9	operations	operation	NOUN
easat-1666	25	10	is	be	AUX
easat-1666	25	11	one	one	NUM
easat-1666	25	12	of	of	ADP
easat-1666	25	13	the	the	DET
easat-1666	25	14	important	important	ADJ
easat-1666	25	15	steps	step	NOUN
easat-1666	25	16	to	to	PART
easat-1666	25	17	increase	increase	VERB
easat-1666	25	18	the	the	DET
easat-1666	25	19	provision	provision	NOUN
easat-1666	25	20	of	of	ADP
easat-1666	25	21	services	service	NOUN
easat-1666	25	22	to	to	ADP
easat-1666	25	23	customers	customer	NOUN
easat-1666	25	24	as	as	ADV
easat-1666	25	25	well	well	ADV
easat-1666	25	26	as	as	ADP
easat-1666	25	27	increase	increase	VERB
easat-1666	25	28	the	the	DET
easat-1666	25	29	bank	bank	NOUN
easat-1666	25	30	's	's	PART
easat-1666	25	31	profitability	profitability	NOUN
easat-1666	25	32	.	.	PUNCT
easat-1666	26	1	research	research	NOUN
easat-1666	26	2	problem	problem	NOUN
easat-1666	26	3	:	:	PUNCT
easat-1666	26	4	the	the	DET
easat-1666	26	5	major	major	ADJ
easat-1666	26	6	developments	development	NOUN
easat-1666	26	7	in	in	ADP
easat-1666	26	8	the	the	DET
easat-1666	26	9	field	field	NOUN
easat-1666	26	10	of	of	ADP
easat-1666	26	11	modern	modern	ADJ
easat-1666	26	12	technology	technology	NOUN
easat-1666	26	13	that	that	PRON
easat-1666	26	14	the	the	DET
easat-1666	26	15	economic	economic	ADJ
easat-1666	26	16	sectors	sector	NOUN
easat-1666	26	17	in	in	ADP
easat-1666	26	18	general	general	ADJ
easat-1666	26	19	and	and	CCONJ
easat-1666	26	20	the	the	DET
easat-1666	26	21	banking	banking	NOUN
easat-1666	26	22	sector	sector	NOUN
easat-1666	26	23	in	in	ADP
easat-1666	26	24	particular	particular	ADJ
easat-1666	26	25	have	have	AUX
easat-1666	26	26	been	be	AUX
easat-1666	26	27	exposed	expose	VERB
easat-1666	26	28	to	to	PART
easat-1666	26	29	have	have	AUX
easat-1666	26	30	contributed	contribute	VERB
easat-1666	26	31	to	to	ADP
easat-1666	26	32	the	the	DET
easat-1666	26	33	application	application	NOUN
easat-1666	26	34	of	of	ADP
easat-1666	26	35	modern	modern	ADJ
easat-1666	26	36	methods	method	NOUN
easat-1666	26	37	characterized	characterize	VERB
easat-1666	26	38	by	by	ADP
easat-1666	26	39	flexibility	flexibility	NOUN
easat-1666	26	40	and	and	CCONJ
easat-1666	26	41	ease	ease	NOUN
easat-1666	26	42	of	of	ADP
easat-1666	26	43	the	the	DET
easat-1666	26	44	process	process	NOUN
easat-1666	26	45	of	of	ADP
easat-1666	26	46	mutual	mutual	ADJ
easat-1666	26	47	dealing	dealing	NOUN
easat-1666	26	48	with	with	ADP
easat-1666	26	49	customers	customer	NOUN
easat-1666	26	50	and	and	CCONJ
easat-1666	26	51	bank	bank	NOUN
easat-1666	26	52	management	management	NOUN
easat-1666	26	53	and	and	CCONJ
easat-1666	26	54	their	their	PRON
easat-1666	26	55	reliance	reliance	NOUN
easat-1666	26	56	on	on	ADP
easat-1666	26	57	modern	modern	ADJ
easat-1666	26	58	technology	technology	NOUN
easat-1666	26	59	.	.	PUNCT
easat-1666	27	1	these	these	DET
easat-1666	27	2	modern	modern	ADJ
easat-1666	27	3	changes	change	NOUN
easat-1666	27	4	and	and	CCONJ
easat-1666	27	5	changes	change	NOUN
easat-1666	27	6	in	in	ADP
easat-1666	27	7	the	the	DET
easat-1666	27	8	international	international	ADJ
easat-1666	27	9	environment	environment	NOUN
easat-1666	27	10	have	have	AUX
easat-1666	27	11	made	make	VERB
easat-1666	27	12	it	it	PRON
easat-1666	27	13	necessary	necessary	ADJ
easat-1666	27	14	for	for	SCONJ
easat-1666	27	15	iraqi	iraqi	ADJ
easat-1666	27	16	banks	bank	NOUN
easat-1666	27	17	to	to	PART
easat-1666	27	18	advance	advance	VERB
easat-1666	27	19	the	the	DET
easat-1666	27	20	reality	reality	NOUN
easat-1666	27	21	of	of	ADP
easat-1666	27	22	modern	modern	ADJ
easat-1666	27	23	technology	technology	NOUN
easat-1666	27	24	and	and	CCONJ
easat-1666	27	25	the	the	DET
easat-1666	27	26	performance	performance	NOUN
easat-1666	27	27	of	of	ADP
easat-1666	27	28	operations	operation	NOUN
easat-1666	27	29	in	in	ADP
easat-1666	27	30	banks	bank	NOUN
easat-1666	27	31	.	.	PUNCT
easat-1666	28	1	the	the	DET
easat-1666	28	2	main	main	ADJ
easat-1666	28	3	problem	problem	NOUN
easat-1666	28	4	of	of	ADP
easat-1666	28	5	the	the	DET
easat-1666	28	6	study	study	NOUN
easat-1666	28	7	is	be	AUX
easat-1666	28	8	:	:	PUNCT
easat-1666	28	9	(	(	PUNCT
easat-1666	28	10	is	be	AUX
easat-1666	28	11	there	there	PRON
easat-1666	28	12	an	an	DET
easat-1666	28	13	interest	interest	NOUN
easat-1666	28	14	for	for	ADP
easat-1666	28	15	banks	bank	NOUN
easat-1666	28	16	in	in	ADP
easat-1666	28	17	technology	technology	NOUN
easat-1666	28	18	and	and	CCONJ
easat-1666	28	19	the	the	DET
easat-1666	28	20	extent	extent	NOUN
easat-1666	28	21	of	of	ADP
easat-1666	28	22	the	the	DET
easat-1666	28	23	impact	impact	NOUN
easat-1666	28	24	of	of	ADP
easat-1666	28	25	the	the	DET
easat-1666	28	26	use	use	NOUN
easat-1666	28	27	of	of	ADP
easat-1666	28	28	technology	technology	NOUN
easat-1666	28	29	in	in	ADP
easat-1666	28	30	financial	financial	ADJ
easat-1666	28	31	operations	operation	NOUN
easat-1666	28	32	in	in	ADP
easat-1666	28	33	order	order	NOUN
easat-1666	28	34	to	to	PART
easat-1666	28	35	increase	increase	VERB
easat-1666	28	36	profits	profit	NOUN
easat-1666	28	37	in	in	ADP
easat-1666	28	38	banks	bank	NOUN
easat-1666	28	39	)	)	PUNCT
easat-1666	28	40	.	.	PUNCT
easat-1666	29	1	1.1	1.1	NUM
easat-1666	29	2	.	.	PUNCT
easat-1666	30	1	research	research	NOUN
easat-1666	30	2	objectives	objective	NOUN
easat-1666	30	3	1study	1study	NUM
easat-1666	30	4	the	the	DET
easat-1666	30	5	impact	impact	NOUN
easat-1666	30	6	of	of	ADP
easat-1666	30	7	the	the	DET
easat-1666	30	8	use	use	NOUN
easat-1666	30	9	of	of	ADP
easat-1666	30	10	technology	technology	NOUN
easat-1666	30	11	on	on	ADP
easat-1666	30	12	the	the	DET
easat-1666	30	13	efficiency	efficiency	NOUN
easat-1666	30	14	of	of	ADP
easat-1666	30	15	financial	financial	ADJ
easat-1666	30	16	operations	operation	NOUN
easat-1666	30	17	in	in	ADP
easat-1666	30	18	banks	bank	NOUN
easat-1666	30	19	.	.	PUNCT
easat-1666	31	1	2evaluate	2evaluate	NUM
easat-1666	31	2	the	the	DET
easat-1666	31	3	impact	impact	NOUN
easat-1666	31	4	of	of	ADP
easat-1666	31	5	technology	technology	NOUN
easat-1666	31	6	on	on	ADP
easat-1666	31	7	reducing	reduce	VERB
easat-1666	31	8	costs	cost	NOUN
easat-1666	31	9	and	and	CCONJ
easat-1666	31	10	increasing	increase	VERB
easat-1666	31	11	revenues	revenue	NOUN
easat-1666	31	12	in	in	ADP
easat-1666	31	13	banks	bank	NOUN
easat-1666	31	14	.	.	PUNCT
easat-1666	32	1	3examine	3examine	NUM
easat-1666	32	2	the	the	DET
easat-1666	32	3	extent	extent	NOUN
easat-1666	32	4	of	of	ADP
easat-1666	32	5	the	the	DET
easat-1666	32	6	impact	impact	NOUN
easat-1666	32	7	of	of	ADP
easat-1666	32	8	technology	technology	NOUN
easat-1666	32	9	on	on	ADP
easat-1666	32	10	improving	improve	VERB
easat-1666	32	11	the	the	DET
easat-1666	32	12	customer	customer	NOUN
easat-1666	32	13	experience	experience	NOUN
easat-1666	32	14	and	and	CCONJ
easat-1666	32	15	increasing	increase	VERB
easat-1666	32	16	loyalty	loyalty	NOUN
easat-1666	32	17	to	to	ADP
easat-1666	32	18	the	the	DET
easat-1666	32	19	bank	bank	NOUN
easat-1666	32	20	.	.	PUNCT
easat-1666	33	1	4explain	4explain	NUM
easat-1666	33	2	the	the	DET
easat-1666	33	3	extent	extent	NOUN
easat-1666	33	4	of	of	ADP
easat-1666	33	5	banks	bank	NOUN
easat-1666	33	6	'	'	PART
easat-1666	33	7	interest	interest	NOUN
easat-1666	33	8	in	in	ADP
easat-1666	33	9	using	use	VERB
easat-1666	33	10	technology	technology	NOUN
easat-1666	33	11	to	to	PART
easat-1666	33	12	increase	increase	VERB
easat-1666	33	13	and	and	CCONJ
easat-1666	33	14	enhance	enhance	VERB
easat-1666	33	15	the	the	DET
easat-1666	33	16	bank	bank	NOUN
easat-1666	33	17	's	's	PART
easat-1666	33	18	profitability	profitability	NOUN
easat-1666	33	19	.	.	PUNCT
easat-1666	34	1	1.2	1.2	NUM
easat-1666	34	2	.	.	PUNCT
easat-1666	35	1	research	research	NOUN
easat-1666	35	2	hypotheses	hypothesis	NOUN
easat-1666	35	3	first	first	ADV
easat-1666	35	4	:	:	PUNCT
easat-1666	35	5	̶	̶	NOUN
easat-1666	35	6	analysis	analysis	NOUN
easat-1666	35	7	and	and	CCONJ
easat-1666	35	8	testing	testing	NOUN
easat-1666	35	9	of	of	ADP
easat-1666	35	10	the	the	DET
easat-1666	35	11	correlation	correlation	NOUN
easat-1666	35	12	between	between	ADP
easat-1666	35	13	technology	technology	NOUN
easat-1666	35	14	and	and	CCONJ
easat-1666	35	15	bank	bank	NOUN
easat-1666	35	16	profitability	profitability	NOUN
easat-1666	35	17	(	(	PUNCT
easat-1666	35	18	testing	test	VERB
easat-1666	35	19	the	the	DET
easat-1666	35	20	first	first	ADJ
easat-1666	35	21	main	main	ADJ
easat-1666	35	22	hypothesis	hypothesis	NOUN
easat-1666	35	23	)	)	PUNCT
easat-1666	35	24	there	there	PRON
easat-1666	35	25	is	be	VERB
easat-1666	35	26	a	a	DET
easat-1666	35	27	significant	significant	ADJ
easat-1666	35	28	correlation	correlation	NOUN
easat-1666	35	29	between	between	ADP
easat-1666	35	30	the	the	DET
easat-1666	35	31	use	use	NOUN
easat-1666	35	32	of	of	ADP
easat-1666	35	33	technology	technology	NOUN
easat-1666	35	34	and	and	CCONJ
easat-1666	35	35	enhancing	enhance	VERB
easat-1666	35	36	the	the	DET
easat-1666	35	37	bank	bank	NOUN
easat-1666	35	38	's	's	PART
easat-1666	35	39	profitability	profitability	NOUN
easat-1666	35	40	.	.	PUNCT
easat-1666	36	1	second	second	ADJ
easat-1666	36	2	:	:	PUNCT
easat-1666	36	3	analysis	analysis	NOUN
easat-1666	36	4	and	and	CCONJ
easat-1666	36	5	testing	testing	NOUN
easat-1666	36	6	of	of	ADP
easat-1666	36	7	the	the	DET
easat-1666	36	8	correlation	correlation	NOUN
easat-1666	36	9	between	between	ADP
easat-1666	36	10	the	the	DET
easat-1666	36	11	performance	performance	NOUN
easat-1666	36	12	of	of	ADP
easat-1666	36	13	financial	financial	ADJ
easat-1666	36	14	operations	operation	NOUN
easat-1666	36	15	and	and	CCONJ
easat-1666	36	16	the	the	DET
easat-1666	36	17	use	use	NOUN
easat-1666	36	18	of	of	ADP
easat-1666	36	19	technology	technology	NOUN
easat-1666	36	20	(	(	PUNCT
easat-1666	36	21	testing	test	VERB
easat-1666	36	22	the	the	DET
easat-1666	36	23	second	second	ADJ
easat-1666	36	24	main	main	ADJ
easat-1666	36	25	hypothesis	hypothesis	NOUN
easat-1666	36	26	)	)	PUNCT
easat-1666	36	27	there	there	PRON
easat-1666	36	28	is	be	VERB
easat-1666	36	29	a	a	DET
easat-1666	36	30	significant	significant	ADJ
easat-1666	36	31	correlation	correlation	NOUN
easat-1666	36	32	between	between	ADP
easat-1666	36	33	the	the	DET
easat-1666	36	34	use	use	NOUN
easat-1666	36	35	of	of	ADP
easat-1666	36	36	technology	technology	NOUN
easat-1666	36	37	and	and	CCONJ
easat-1666	36	38	the	the	DET
easat-1666	36	39	performance	performance	NOUN
easat-1666	36	40	of	of	ADP
easat-1666	36	41	financial	financial	ADJ
easat-1666	36	42	operations	operation	NOUN
easat-1666	36	43	.	.	PUNCT
easat-1666	37	1	third	third	ADJ
easat-1666	37	2	:	:	PUNCT
easat-1666	37	3	analysis	analysis	NOUN
easat-1666	37	4	and	and	CCONJ
easat-1666	37	5	testing	testing	NOUN
easat-1666	37	6	of	of	ADP
easat-1666	37	7	the	the	DET
easat-1666	37	8	correlation	correlation	NOUN
easat-1666	37	9	between	between	ADP
easat-1666	37	10	the	the	DET
easat-1666	37	11	profitability	profitability	NOUN
easat-1666	37	12	of	of	ADP
easat-1666	37	13	the	the	DET
easat-1666	37	14	bank	bank	NOUN
easat-1666	37	15	and	and	CCONJ
easat-1666	37	16	the	the	DET
easat-1666	37	17	performance	performance	NOUN
easat-1666	37	18	of	of	ADP
easat-1666	37	19	financial	financial	ADJ
easat-1666	37	20	operations	operation	NOUN
easat-1666	37	21	(	(	PUNCT
easat-1666	37	22	testing	test	VERB
easat-1666	37	23	the	the	DET
easat-1666	37	24	third	third	ADJ
easat-1666	37	25	main	main	ADJ
easat-1666	37	26	hypothesis	hypothesis	NOUN
easat-1666	37	27	)	)	PUNCT
easat-1666	37	28	there	there	PRON
easat-1666	37	29	is	be	VERB
easat-1666	37	30	a	a	DET
easat-1666	37	31	significant	significant	ADJ
easat-1666	37	32	correlation	correlation	NOUN
easat-1666	37	33	between	between	ADP
easat-1666	37	34	the	the	DET
easat-1666	37	35	profitability	profitability	NOUN
easat-1666	37	36	of	of	ADP
easat-1666	37	37	the	the	DET
easat-1666	37	38	bank	bank	NOUN
easat-1666	37	39	and	and	CCONJ
easat-1666	37	40	the	the	DET
easat-1666	37	41	performance	performance	NOUN
easat-1666	37	42	of	of	ADP
easat-1666	37	43	financial	financial	ADJ
easat-1666	37	44	operations	operation	NOUN
easat-1666	37	45	.	.	PUNCT
easat-1666	38	1	fourth	fourth	ADJ
easat-1666	38	2	:	:	PUNCT
easat-1666	38	3	analysis	analysis	NOUN
easat-1666	38	4	and	and	CCONJ
easat-1666	38	5	testing	testing	NOUN
easat-1666	38	6	of	of	ADP
easat-1666	38	7	the	the	DET
easat-1666	38	8	impact	impact	NOUN
easat-1666	38	9	of	of	ADP
easat-1666	38	10	technology	technology	NOUN
easat-1666	38	11	in	in	ADP
easat-1666	38	12	enhancing	enhance	VERB
easat-1666	38	13	the	the	DET
easat-1666	38	14	profitability	profitability	NOUN
easat-1666	38	15	of	of	ADP
easat-1666	38	16	the	the	DET
easat-1666	38	17	bank	bank	NOUN
easat-1666	38	18	(	(	PUNCT
easat-1666	38	19	testing	test	VERB
easat-1666	38	20	the	the	DET
easat-1666	38	21	fourth	fourth	ADJ
easat-1666	38	22	main	main	ADJ
easat-1666	38	23	hypothesis	hypothesis	NOUN
easat-1666	38	24	)	)	PUNCT
easat-1666	38	25	there	there	PRON
easat-1666	38	26	is	be	VERB
easat-1666	38	27	a	a	DET
easat-1666	38	28	significant	significant	ADJ
easat-1666	38	29	impact	impact	NOUN
easat-1666	38	30	of	of	ADP
easat-1666	38	31	the	the	DET
easat-1666	38	32	use	use	NOUN
easat-1666	38	33	of	of	ADP
easat-1666	38	34	technology	technology	NOUN
easat-1666	38	35	in	in	ADP
easat-1666	38	36	enhancing	enhance	VERB
easat-1666	38	37	the	the	DET
easat-1666	38	38	profitability	profitability	NOUN
easat-1666	38	39	of	of	ADP
easat-1666	38	40	the	the	DET
easat-1666	38	41	bank	bank	NOUN
easat-1666	38	42	.	.	PUNCT
easat-1666	39	1	first	first	ADJ
easat-1666	39	2	requirement	requirement	NOUN
easat-1666	39	3	:	:	PUNCT
easat-1666	39	4	the	the	DET
easat-1666	39	5	theoretical	theoretical	ADJ
easat-1666	39	6	framework	framework	NOUN
easat-1666	39	7	for	for	ADP
easat-1666	39	8	the	the	DET
easat-1666	39	9	use	use	NOUN
easat-1666	39	10	of	of	ADP
easat-1666	39	11	technology	technology	NOUN
easat-1666	39	12	in	in	ADP
easat-1666	39	13	the	the	DET
easat-1666	39	14	performance	performance	NOUN
easat-1666	39	15	of	of	ADP
easat-1666	39	16	financial	financial	ADJ
easat-1666	39	17	operations	operation	NOUN
easat-1666	39	18	and	and	CCONJ
easat-1666	39	19	profitability	profitability	NOUN
easat-1666	39	20	in	in	ADP
easat-1666	39	21	banks	bank	NOUN
easat-1666	39	22	the	the	DET
easat-1666	39	23	concept	concept	NOUN
easat-1666	39	24	of	of	ADP
easat-1666	39	25	technology	technology	NOUN
easat-1666	39	26	:	:	PUNCT
easat-1666	39	27	technology	technology	NOUN
easat-1666	39	28	is	be	AUX
easat-1666	39	29	the	the	DET
easat-1666	39	30	systematic	systematic	ADJ
easat-1666	39	31	knowledge	knowledge	NOUN
easat-1666	39	32	of	of	ADP
easat-1666	39	33	techniques	technique	NOUN
easat-1666	39	34	,	,	PUNCT
easat-1666	39	35	and	and	CCONJ
easat-1666	39	36	it	it	PRON
easat-1666	39	37	is	be	AUX
easat-1666	39	38	the	the	DET
easat-1666	39	39	sum	sum	NOUN
easat-1666	39	40	of	of	ADP
easat-1666	39	41	scientific	scientific	ADJ
easat-1666	39	42	and	and	CCONJ
easat-1666	39	43	technical	technical	ADJ
easat-1666	39	44	knowledge	knowledge	NOUN
easat-1666	39	45	that	that	PRON
easat-1666	39	46	must	must	AUX
easat-1666	39	47	be	be	AUX
easat-1666	39	48	controlled	control	VERB
easat-1666	39	49	to	to	PART
easat-1666	39	50	form	form	VERB
easat-1666	39	51	a	a	DET
easat-1666	39	52	goal	goal	NOUN
easat-1666	39	53	,	,	PUNCT
easat-1666	39	54	and	and	CCONJ
easat-1666	39	55	technology	technology	NOUN
easat-1666	39	56	develops	develop	VERB
easat-1666	39	57	according	accord	VERB
easat-1666	39	58	to	to	ADP
easat-1666	39	59	science	science	NOUN
easat-1666	39	60	and	and	CCONJ
easat-1666	39	61	technology	technology	NOUN
easat-1666	39	62	,	,	PUNCT
easat-1666	39	63	and	and	CCONJ
easat-1666	39	64	spreads	spread	VERB
easat-1666	39	65	in	in	ADP
easat-1666	39	66	an	an	DET
easat-1666	39	67	interconnected	interconnected	ADJ
easat-1666	39	68	manner	manner	NOUN
easat-1666	39	69	due	due	ADP
easat-1666	39	70	to	to	ADP
easat-1666	39	71	the	the	DET
easat-1666	39	72	context	context	NOUN
easat-1666	39	73	of	of	ADP
easat-1666	39	74	natural	natural	ADJ
easat-1666	39	75	flow	flow	NOUN
easat-1666	39	76	or	or	CCONJ
easat-1666	39	77	traditions	tradition	NOUN
easat-1666	39	78	(	(	PUNCT
easat-1666	39	79	bou	bou	PROPN
easat-1666	39	80	mael	mael	PROPN
easat-1666	39	81	saad	saad	PROPN
easat-1666	39	82	,	,	PUNCT
easat-1666	39	83	2004	2004	NUM
easat-1666	39	84	:	:	PUNCT
easat-1666	39	85	205	205	NUM
easat-1666	39	86	)	)	PUNCT
easat-1666	39	87	.	.	PUNCT
easat-1666	40	1	it	it	PRON
easat-1666	40	2	is	be	AUX
easat-1666	40	3	also	also	ADV
easat-1666	40	4	defined	define	VERB
easat-1666	40	5	as	as	ADP
easat-1666	40	6	financial	financial	ADJ
easat-1666	40	7	tools	tool	NOUN
easat-1666	40	8	,	,	PUNCT
easat-1666	40	9	services	service	NOUN
easat-1666	40	10	,	,	PUNCT
easat-1666	40	11	planning	planning	NOUN
easat-1666	40	12	and	and	CCONJ
easat-1666	40	13	new	new	ADJ
easat-1666	40	14	forms	form	NOUN
easat-1666	40	15	of	of	ADP
easat-1666	40	16	financial	financial	ADJ
easat-1666	40	17	institutions	institution	NOUN
easat-1666	40	18	that	that	PRON
easat-1666	40	19	aim	aim	VERB
easat-1666	40	20	to	to	PART
easat-1666	40	21	reduce	reduce	VERB
easat-1666	40	22	the	the	DET
easat-1666	40	23	cost	cost	NOUN
easat-1666	40	24	of	of	ADP
easat-1666	40	25	improving	improve	VERB
easat-1666	40	26	transactions	transaction	NOUN
easat-1666	40	27	,	,	PUNCT
easat-1666	40	28	allocating	allocate	VERB
easat-1666	40	29	resources	resource	NOUN
easat-1666	40	30	and	and	CCONJ
easat-1666	40	31	reducing	reduce	VERB
easat-1666	40	32	changes	change	NOUN
easat-1666	40	33	in	in	ADP
easat-1666	40	34	growth	growth	NOUN
easat-1666	40	35	(	(	PUNCT
easat-1666	40	36	jacque	jacque	NOUN
easat-1666	40	37	,	,	PUNCT
easat-1666	40	38	2007	2007	NUM
easat-1666	40	39	)	)	PUNCT
easat-1666	40	40	.	.	PUNCT
easat-1666	41	1	the	the	DET
easat-1666	41	2	concept	concept	NOUN
easat-1666	41	3	of	of	ADP
easat-1666	41	4	financial	financial	ADJ
easat-1666	41	5	technology	technology	NOUN
easat-1666	41	6	:	:	PUNCT
easat-1666	41	7	financial	financial	ADJ
easat-1666	41	8	technology	technology	NOUN
easat-1666	41	9	can	can	AUX
easat-1666	41	10	be	be	AUX
easat-1666	41	11	defined	define	VERB
easat-1666	41	12	as	as	ADP
easat-1666	41	13	an	an	DET
easat-1666	41	14	innovation	innovation	NOUN
easat-1666	41	15	in	in	ADP
easat-1666	41	16	financing	finance	VERB
easat-1666	41	17	technology	technology	NOUN
easat-1666	41	18	with	with	ADP
easat-1666	41	19	the	the	DET
easat-1666	41	20	potential	potential	NOUN
easat-1666	41	21	to	to	PART
easat-1666	41	22	bring	bring	VERB
easat-1666	41	23	new	new	ADJ
easat-1666	41	24	innovations	innovation	NOUN
easat-1666	41	25	to	to	ADP
easat-1666	41	26	applications	application	NOUN
easat-1666	41	27	and	and	CCONJ
easat-1666	41	28	business	business	NOUN
easat-1666	41	29	models	model	NOUN
easat-1666	41	30	,	,	PUNCT
easat-1666	41	31	financial	financial	ADJ
easat-1666	41	32	products	product	NOUN
easat-1666	41	33	or	or	CCONJ
easat-1666	41	34	services	service	NOUN
easat-1666	41	35	...	...	PUNCT
easat-1666	41	36	etc	etc	X
easat-1666	41	37	.	.	X
easat-1666	41	38	,	,	PUNCT
easat-1666	41	39	affecting	affect	VERB
easat-1666	41	40	414	414	NUM
easat-1666	41	41	edelweiss	edelweiss	PROPN
easat-1666	41	42	applied	apply	VERB
easat-1666	41	43	science	science	NOUN
easat-1666	41	44	and	and	CCONJ
easat-1666	41	45	technology	technology	NOUN
easat-1666	41	46	issn	issn	PROPN
easat-1666	41	47	:	:	PUNCT
easat-1666	41	48	2576	2576	NUM
easat-1666	41	49	-	-	SYM
easat-1666	41	50	8484	8484	NUM
easat-1666	41	51	vol	vol	NOUN
easat-1666	41	52	.	.	PROPN
easat-1666	42	1	8	8	NUM
easat-1666	42	2	,	,	PUNCT
easat-1666	42	3	no	no	INTJ
easat-1666	42	4	.	.	NOUN
easat-1666	43	1	3	3	NUM
easat-1666	43	2	:	:	PUNCT
easat-1666	43	3	412	412	NUM
easat-1666	43	4	-	-	SYM
easat-1666	43	5	422	422	NUM
easat-1666	43	6	,	,	PUNCT
easat-1666	43	7	2024	2024	NUM
easat-1666	43	8	doi	doi	NOUN
easat-1666	43	9	:	:	PUNCT
easat-1666	43	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	43	11	©	©	PROPN
easat-1666	43	12	2024	2024	NUM
easat-1666	43	13	by	by	ADP
easat-1666	43	14	the	the	DET
easat-1666	43	15	authors	author	NOUN
easat-1666	43	16	;	;	PUNCT
easat-1666	43	17	licensee	licensee	PROPN
easat-1666	43	18	learning	learning	NOUN
easat-1666	43	19	gate	gate	VERB
easat-1666	43	20	financial	financial	ADJ
easat-1666	43	21	institutions	institution	NOUN
easat-1666	43	22	and	and	CCONJ
easat-1666	43	23	markets	market	NOUN
easat-1666	43	24	(	(	PUNCT
easat-1666	43	25	schindler	schindler	NOUN
easat-1666	43	26	,	,	PUNCT
easat-1666	43	27	2017	2017	NUM
easat-1666	43	28	)	)	PUNCT
easat-1666	43	29	.	.	PUNCT
easat-1666	44	1	the	the	DET
easat-1666	44	2	financial	financial	ADJ
easat-1666	44	3	stability	stability	PROPN
easat-1666	44	4	board	board	NOUN
easat-1666	44	5	(	(	PUNCT
easat-1666	44	6	fsb	fsb	NOUN
easat-1666	44	7	)	)	PUNCT
easat-1666	44	8	also	also	ADV
easat-1666	44	9	defines	define	VERB
easat-1666	44	10	financial	financial	ADJ
easat-1666	44	11	technology	technology	NOUN
easat-1666	44	12	as	as	ADP
easat-1666	44	13	"	"	PUNCT
easat-1666	44	14	technology	technology	NOUN
easat-1666	44	15	-	-	PUNCT
easat-1666	44	16	based	base	VERB
easat-1666	44	17	innovation	innovation	NOUN
easat-1666	44	18	"	"	PUNCT
easat-1666	44	19	.	.	PUNCT
easat-1666	45	1	in	in	ADP
easat-1666	45	2	the	the	DET
easat-1666	45	3	financial	financial	ADJ
easat-1666	45	4	and	and	CCONJ
easat-1666	45	5	services	service	NOUN
easat-1666	45	6	sector	sector	NOUN
easat-1666	45	7	,	,	PUNCT
easat-1666	45	8	this	this	PRON
easat-1666	45	9	may	may	AUX
easat-1666	45	10	lead	lead	VERB
easat-1666	45	11	to	to	ADP
easat-1666	45	12	new	new	ADJ
easat-1666	45	13	business	business	NOUN
easat-1666	45	14	models	model	NOUN
easat-1666	45	15	,	,	PUNCT
easat-1666	45	16	applications	application	NOUN
easat-1666	45	17	,	,	PUNCT
easat-1666	45	18	processes	process	NOUN
easat-1666	45	19	or	or	CCONJ
easat-1666	45	20	products	product	NOUN
easat-1666	45	21	"	"	PUNCT
easat-1666	45	22	and	and	CCONJ
easat-1666	45	23	have	have	AUX
easat-1666	45	24	had	have	VERB
easat-1666	45	25	a	a	DET
easat-1666	45	26	significant	significant	ADJ
easat-1666	45	27	impact	impact	NOUN
easat-1666	45	28	on	on	ADP
easat-1666	45	29	the	the	DET
easat-1666	45	30	provision	provision	NOUN
easat-1666	45	31	of	of	ADP
easat-1666	45	32	financial	financial	ADJ
easat-1666	45	33	services	service	NOUN
easat-1666	45	34	"	"	PUNCT
easat-1666	45	35	(	(	PUNCT
easat-1666	45	36	murchison	murchison	PROPN
easat-1666	45	37	,	,	PUNCT
easat-1666	45	38	2019	2019	NUM
easat-1666	45	39	:	:	SYM
easat-1666	45	40	21	21	NUM
easat-1666	45	41	)	)	PUNCT
easat-1666	45	42	characteristics	characteristic	NOUN
easat-1666	45	43	of	of	ADP
easat-1666	45	44	financial	financial	ADJ
easat-1666	45	45	technology	technology	NOUN
easat-1666	45	46	:	:	PUNCT
easat-1666	45	47	(	(	PUNCT
easat-1666	45	48	azhari	azhari	PROPN
easat-1666	45	49	et	et	PROPN
easat-1666	45	50	al	al	PROPN
easat-1666	45	51	.	.	PROPN
easat-1666	45	52	,	,	PUNCT
easat-1666	45	53	2018	2018	NUM
easat-1666	45	54	:	:	PUNCT
easat-1666	45	55	66	66	NUM
easat-1666	45	56	)	)	PUNCT
easat-1666	45	57	1	1	NUM
easat-1666	45	58	̶financial	̶financial	ADJ
easat-1666	45	59	technology	technology	NOUN
easat-1666	45	60	is	be	AUX
easat-1666	45	61	a	a	DET
easat-1666	45	62	set	set	NOUN
easat-1666	45	63	of	of	ADP
easat-1666	45	64	knowledge	knowledge	NOUN
easat-1666	45	65	,	,	PUNCT
easat-1666	45	66	skills	skill	NOUN
easat-1666	45	67	,	,	PUNCT
easat-1666	45	68	methods	method	NOUN
easat-1666	45	69	and	and	CCONJ
easat-1666	45	70	basic	basic	ADJ
easat-1666	45	71	financial	financial	ADJ
easat-1666	45	72	knowledge	knowledge	NOUN
easat-1666	45	73	.	.	PUNCT
easat-1666	46	1	2	2	NUM
easat-1666	46	2	̶	̶	PROPN
easat-1666	46	3	financial	financial	ADJ
easat-1666	46	4	technology	technology	NOUN
easat-1666	46	5	is	be	AUX
easat-1666	46	6	not	not	PART
easat-1666	46	7	an	an	DET
easat-1666	46	8	end	end	NOUN
easat-1666	46	9	in	in	ADP
easat-1666	46	10	itself	itself	PRON
easat-1666	46	11	,	,	PUNCT
easat-1666	46	12	but	but	CCONJ
easat-1666	46	13	a	a	DET
easat-1666	46	14	means	mean	NOUN
easat-1666	46	15	for	for	ADP
easat-1666	46	16	financial	financial	ADJ
easat-1666	46	17	institutions	institution	NOUN
easat-1666	46	18	and	and	CCONJ
easat-1666	46	19	banks	bank	NOUN
easat-1666	46	20	to	to	PART
easat-1666	46	21	achieve	achieve	VERB
easat-1666	46	22	their	their	PRON
easat-1666	46	23	goals	goal	NOUN
easat-1666	46	24	.	.	PUNCT
easat-1666	47	1	3	3	NUM
easat-1666	47	2	̶	̶	PROPN
easat-1666	47	3	fintech	fintech	NOUN
easat-1666	47	4	is	be	AUX
easat-1666	47	5	a	a	DET
easat-1666	47	6	means	mean	NOUN
easat-1666	47	7	to	to	ADP
easat-1666	47	8	an	an	DET
easat-1666	47	9	end	end	NOUN
easat-1666	47	10	.	.	PUNCT
easat-1666	48	1	4	4	NUM
easat-1666	48	2	̶	̶	NOUN
easat-1666	48	3	banking	banking	NOUN
easat-1666	48	4	and	and	CCONJ
easat-1666	48	5	financial	financial	ADJ
easat-1666	48	6	services	service	NOUN
easat-1666	48	7	are	be	AUX
easat-1666	48	8	the	the	DET
easat-1666	48	9	main	main	ADJ
easat-1666	48	10	applications	application	NOUN
easat-1666	48	11	of	of	ADP
easat-1666	48	12	technology	technology	NOUN
easat-1666	48	13	.	.	PUNCT
easat-1666	49	1	the	the	DET
easat-1666	49	2	application	application	NOUN
easat-1666	49	3	of	of	ADP
easat-1666	49	4	technology	technology	NOUN
easat-1666	49	5	is	be	AUX
easat-1666	49	6	not	not	PART
easat-1666	49	7	limited	limit	VERB
easat-1666	49	8	to	to	ADP
easat-1666	49	9	the	the	DET
easat-1666	49	10	performance	performance	NOUN
easat-1666	49	11	of	of	ADP
easat-1666	49	12	banking	banking	NOUN
easat-1666	49	13	and	and	CCONJ
easat-1666	49	14	financial	financial	ADJ
easat-1666	49	15	services	service	NOUN
easat-1666	49	16	,	,	PUNCT
easat-1666	49	17	but	but	CCONJ
easat-1666	49	18	also	also	ADV
easat-1666	49	19	extends	extend	VERB
easat-1666	49	20	to	to	ADP
easat-1666	49	21	management	management	NOUN
easat-1666	49	22	practices	practice	NOUN
easat-1666	49	23	.	.	PUNCT
easat-1666	50	1	the	the	DET
easat-1666	50	2	importance	importance	NOUN
easat-1666	50	3	of	of	ADP
easat-1666	50	4	financial	financial	ADJ
easat-1666	50	5	technology	technology	NOUN
easat-1666	50	6	:	:	PUNCT
easat-1666	50	7	the	the	DET
easat-1666	50	8	importance	importance	NOUN
easat-1666	50	9	of	of	ADP
easat-1666	50	10	financial	financial	ADJ
easat-1666	50	11	technology	technology	NOUN
easat-1666	50	12	is	be	AUX
easat-1666	50	13	evaluated	evaluate	VERB
easat-1666	50	14	for	for	ADP
easat-1666	50	15	the	the	DET
easat-1666	50	16	following	follow	VERB
easat-1666	50	17	reasons	reason	NOUN
easat-1666	50	18	:	:	PUNCT
easat-1666	50	19	(	(	PUNCT
easat-1666	50	20	malika	malika	X
easat-1666	50	21	et	et	PROPN
easat-1666	50	22	al	al	PROPN
easat-1666	50	23	.	.	PROPN
easat-1666	50	24	,	,	PUNCT
easat-1666	50	25	2018	2018	NUM
easat-1666	50	26	:	:	PUNCT
easat-1666	50	27	93	93	NUM
easat-1666	50	28	)	)	PUNCT
easat-1666	50	29	.	.	PUNCT
easat-1666	51	1	1	1	NUM
easat-1666	51	2	̶	̶	PROPN
easat-1666	51	3	through	through	ADP
easat-1666	51	4	innovations	innovation	NOUN
easat-1666	51	5	that	that	PRON
easat-1666	51	6	contribute	contribute	VERB
easat-1666	51	7	to	to	ADP
easat-1666	51	8	financial	financial	ADJ
easat-1666	51	9	inclusion	inclusion	NOUN
easat-1666	51	10	,	,	PUNCT
easat-1666	51	11	comprehensive	comprehensive	ADJ
easat-1666	51	12	growth	growth	NOUN
easat-1666	51	13	and	and	CCONJ
easat-1666	51	14	diversification	diversification	NOUN
easat-1666	51	15	of	of	ADP
easat-1666	51	16	economic	economic	ADJ
easat-1666	51	17	activity	activity	NOUN
easat-1666	51	18	providing	provide	VERB
easat-1666	51	19	financial	financial	ADJ
easat-1666	51	20	services	service	NOUN
easat-1666	51	21	to	to	ADP
easat-1666	51	22	those	those	PRON
easat-1666	51	23	who	who	PRON
easat-1666	51	24	do	do	AUX
easat-1666	51	25	not	not	PART
easat-1666	51	26	deal	deal	VERB
easat-1666	51	27	with	with	ADP
easat-1666	51	28	the	the	DET
easat-1666	51	29	banking	banking	NOUN
easat-1666	51	30	system	system	NOUN
easat-1666	51	31	.	.	PUNCT
easat-1666	52	1	2	2	NUM
easat-1666	52	2	̶	̶	NOUN
easat-1666	52	3	facilitating	facilitate	VERB
easat-1666	52	4	access	access	NOUN
easat-1666	52	5	to	to	ADP
easat-1666	52	6	alternative	alternative	ADJ
easat-1666	52	7	sources	source	NOUN
easat-1666	52	8	of	of	ADP
easat-1666	52	9	financing	financing	NOUN
easat-1666	52	10	for	for	ADP
easat-1666	52	11	small	small	ADJ
easat-1666	52	12	and	and	CCONJ
easat-1666	52	13	medium	medium	ADJ
easat-1666	52	14	-	-	PUNCT
easat-1666	52	15	sized	sized	ADJ
easat-1666	52	16	enterprises	enterprise	NOUN
easat-1666	52	17	.	.	PUNCT
easat-1666	53	1	3	3	NUM
easat-1666	53	2	̶	̶	NOUN
easat-1666	53	3	achieving	achieve	VERB
easat-1666	53	4	financial	financial	ADJ
easat-1666	53	5	stability	stability	NOUN
easat-1666	53	6	through	through	ADP
easat-1666	53	7	the	the	DET
easat-1666	53	8	use	use	NOUN
easat-1666	53	9	of	of	ADP
easat-1666	53	10	technology	technology	NOUN
easat-1666	53	11	to	to	PART
easat-1666	53	12	ensure	ensure	VERB
easat-1666	53	13	compliance	compliance	NOUN
easat-1666	53	14	with	with	ADP
easat-1666	53	15	regulatory	regulatory	ADJ
easat-1666	53	16	rules	rule	NOUN
easat-1666	53	17	and	and	CCONJ
easat-1666	53	18	governance	governance	NOUN
easat-1666	53	19	.	.	PUNCT
easat-1666	54	1	4	4	NUM
easat-1666	54	2	̶	̶	NOUN
easat-1666	54	3	managing	manage	VERB
easat-1666	54	4	foreign	foreign	ADJ
easat-1666	54	5	trade	trade	NOUN
easat-1666	54	6	and	and	CCONJ
easat-1666	54	7	transferring	transfer	VERB
easat-1666	54	8	labor	labor	NOUN
easat-1666	54	9	abroad	abroad	ADV
easat-1666	54	10	and	and	CCONJ
easat-1666	54	11	providing	provide	VERB
easat-1666	54	12	cost	cost	NOUN
easat-1666	54	13	-	-	PUNCT
easat-1666	54	14	effective	effective	ADJ
easat-1666	54	15	mechanisms	mechanism	NOUN
easat-1666	54	16	for	for	ADP
easat-1666	54	17	cross	cross	ADJ
easat-1666	54	18	-	-	ADJ
easat-1666	54	19	border	border	ADJ
easat-1666	54	20	payments	payment	NOUN
easat-1666	54	21	,	,	PUNCT
easat-1666	54	22	justification	justification	NOUN
easat-1666	54	23	for	for	ADP
easat-1666	54	24	the	the	DET
easat-1666	54	25	application	application	NOUN
easat-1666	54	26	of	of	ADP
easat-1666	54	27	banking	banking	NOUN
easat-1666	54	28	technology	technology	NOUN
easat-1666	54	29	:	:	PUNCT
easat-1666	54	30	no	no	DET
easat-1666	54	31	one	one	NOUN
easat-1666	54	32	can	can	AUX
easat-1666	54	33	deny	deny	VERB
easat-1666	54	34	the	the	DET
easat-1666	54	35	advantages	advantage	NOUN
easat-1666	54	36	of	of	ADP
easat-1666	54	37	using	use	VERB
easat-1666	54	38	technology	technology	NOUN
easat-1666	54	39	and	and	CCONJ
easat-1666	54	40	modern	modern	ADJ
easat-1666	54	41	techniques	technique	NOUN
easat-1666	54	42	in	in	ADP
easat-1666	54	43	various	various	ADJ
easat-1666	54	44	areas	area	NOUN
easat-1666	54	45	of	of	ADP
easat-1666	54	46	life.the	life.the	DET
easat-1666	54	47	use	use	NOUN
easat-1666	54	48	of	of	ADP
easat-1666	54	49	these	these	DET
easat-1666	54	50	technologies	technology	NOUN
easat-1666	54	51	in	in	ADP
easat-1666	54	52	western	western	ADJ
easat-1666	54	53	banks	bank	NOUN
easat-1666	54	54	has	have	AUX
easat-1666	54	55	achieved	achieve	VERB
easat-1666	54	56	four	four	NUM
easat-1666	54	57	main	main	ADJ
easat-1666	54	58	goals	goal	NOUN
easat-1666	54	59	(	(	PUNCT
easat-1666	54	60	mohamed	mohamed	PROPN
easat-1666	54	61	shukrin	shukrin	PROPN
easat-1666	54	62	,	,	PUNCT
easat-1666	54	63	2005	2005	NUM
easat-1666	54	64	:	:	PUNCT
easat-1666	54	65	32	32	NUM
easat-1666	54	66	,	,	PUNCT
easat-1666	54	67	33	33	NUM
easat-1666	54	68	)	)	PUNCT
easat-1666	54	69	aeffective	aeffective	ADJ
easat-1666	54	70	performance	performance	NOUN
easat-1666	54	71	:	:	PUNCT
easat-1666	54	72	modern	modern	ADJ
easat-1666	54	73	technology	technology	NOUN
easat-1666	54	74	allows	allow	VERB
easat-1666	54	75	banks	bank	NOUN
easat-1666	54	76	to	to	PART
easat-1666	54	77	manage	manage	VERB
easat-1666	54	78	a	a	DET
easat-1666	54	79	large	large	ADJ
easat-1666	54	80	number	number	NOUN
easat-1666	54	81	of	of	ADP
easat-1666	54	82	banking	banking	NOUN
easat-1666	54	83	accounts	account	NOUN
easat-1666	54	84	for	for	ADP
easat-1666	54	85	customers	customer	NOUN
easat-1666	54	86	without	without	ADP
easat-1666	54	87	the	the	DET
easat-1666	54	88	need	need	NOUN
easat-1666	54	89	to	to	PART
easat-1666	54	90	increase	increase	VERB
easat-1666	54	91	the	the	DET
easat-1666	54	92	number	number	NOUN
easat-1666	54	93	of	of	ADP
easat-1666	54	94	employees	employee	NOUN
easat-1666	54	95	while	while	SCONJ
easat-1666	54	96	achieving	achieve	VERB
easat-1666	54	97	the	the	DET
easat-1666	54	98	speed	speed	NOUN
easat-1666	54	99	of	of	ADP
easat-1666	54	100	completing	complete	VERB
easat-1666	54	101	transactions	transaction	NOUN
easat-1666	54	102	.	.	PUNCT
easat-1666	55	1	bcost	bcost	VERB
easat-1666	55	2	saving	saving	NOUN
easat-1666	55	3	:	:	PUNCT
easat-1666	55	4	the	the	DET
easat-1666	55	5	introduction	introduction	NOUN
easat-1666	55	6	of	of	ADP
easat-1666	55	7	technology	technology	NOUN
easat-1666	55	8	to	to	PART
easat-1666	55	9	process	process	NOUN
easat-1666	55	10	transfer	transfer	NOUN
easat-1666	55	11	and	and	CCONJ
easat-1666	55	12	payment	payment	NOUN
easat-1666	55	13	orders	order	NOUN
easat-1666	55	14	increased	increase	VERB
easat-1666	55	15	the	the	DET
easat-1666	55	16	amount	amount	NOUN
easat-1666	55	17	and	and	CCONJ
easat-1666	55	18	the	the	DET
easat-1666	55	19	checks	check	NOUN
easat-1666	55	20	that	that	PRON
easat-1666	55	21	were	be	AUX
easat-1666	55	22	used	use	VERB
easat-1666	55	23	to	to	PART
easat-1666	55	24	settle	settle	VERB
easat-1666	55	25	payments	payment	NOUN
easat-1666	55	26	after	after	SCONJ
easat-1666	55	27	world	world	PROPN
easat-1666	55	28	war	war	PROPN
easat-1666	55	29	ii	ii	PROPN
easat-1666	55	30	reduced	reduce	VERB
easat-1666	55	31	the	the	DET
easat-1666	55	32	cost	cost	NOUN
easat-1666	55	33	of	of	ADP
easat-1666	55	34	sending	send	VERB
easat-1666	55	35	checks	check	NOUN
easat-1666	55	36	from	from	ADP
easat-1666	55	37	branch	branch	NOUN
easat-1666	55	38	to	to	ADP
easat-1666	55	39	branch	branch	NOUN
easat-1666	55	40	,	,	PUNCT
easat-1666	55	41	from	from	ADP
easat-1666	55	42	one	one	NUM
easat-1666	55	43	bank	bank	NOUN
easat-1666	55	44	to	to	ADP
easat-1666	55	45	another	another	PRON
easat-1666	55	46	,	,	PUNCT
easat-1666	55	47	and	and	CCONJ
easat-1666	55	48	the	the	DET
easat-1666	55	49	labor	labor	NOUN
easat-1666	55	50	costs	cost	NOUN
easat-1666	55	51	associated	associate	VERB
easat-1666	55	52	with	with	ADP
easat-1666	55	53	sorting	sorting	NOUN
easat-1666	55	54	,	,	PUNCT
easat-1666	55	55	reading	reading	NOUN
easat-1666	55	56	and	and	CCONJ
easat-1666	55	57	manually	manually	ADV
easat-1666	55	58	recording	record	VERB
easat-1666	55	59	these	these	DET
easat-1666	55	60	checks	check	NOUN
easat-1666	55	61	.	.	PUNCT
easat-1666	56	1	cfreedom	cfreedom	NOUN
easat-1666	56	2	from	from	ADP
easat-1666	56	3	the	the	DET
easat-1666	56	4	restrictions	restriction	NOUN
easat-1666	56	5	of	of	ADP
easat-1666	56	6	time	time	NOUN
easat-1666	56	7	and	and	CCONJ
easat-1666	56	8	place	place	NOUN
easat-1666	56	9	:	:	PUNCT
easat-1666	56	10	this	this	PRON
easat-1666	56	11	became	become	VERB
easat-1666	56	12	possible	possible	ADJ
easat-1666	56	13	after	after	ADP
easat-1666	56	14	the	the	DET
easat-1666	56	15	introduction	introduction	NOUN
easat-1666	56	16	of	of	ADP
easat-1666	56	17	technology	technology	NOUN
easat-1666	56	18	in	in	ADP
easat-1666	56	19	banking	banking	NOUN
easat-1666	56	20	transactions	transaction	NOUN
easat-1666	56	21	with	with	ADP
easat-1666	56	22	banks	bank	NOUN
easat-1666	56	23	and	and	CCONJ
easat-1666	56	24	conducting	conduct	VERB
easat-1666	56	25	transactions	transaction	NOUN
easat-1666	56	26	and	and	CCONJ
easat-1666	56	27	receiving	receive	VERB
easat-1666	56	28	services	service	NOUN
easat-1666	56	29	from	from	ADP
easat-1666	56	30	outside	outside	ADP
easat-1666	56	31	the	the	DET
easat-1666	56	32	company	company	NOUN
easat-1666	56	33	at	at	ADP
easat-1666	56	34	any	any	DET
easat-1666	56	35	time	time	NOUN
easat-1666	56	36	and	and	CCONJ
easat-1666	56	37	from	from	ADP
easat-1666	56	38	anywhere	anywhere	ADV
easat-1666	56	39	outside	outside	ADP
easat-1666	56	40	the	the	DET
easat-1666	56	41	company	company	NOUN
easat-1666	56	42	's	's	PART
easat-1666	56	43	headquarters	headquarters	NOUN
easat-1666	56	44	and	and	CCONJ
easat-1666	56	45	outside	outside	ADP
easat-1666	56	46	official	official	ADJ
easat-1666	56	47	working	work	VERB
easat-1666	56	48	hours	hour	NOUN
easat-1666	56	49	.	.	PUNCT
easat-1666	57	1	dproviding	dprovide	VERB
easat-1666	57	2	new	new	ADJ
easat-1666	57	3	services	service	NOUN
easat-1666	57	4	:	:	PUNCT
easat-1666	57	5	the	the	DET
easat-1666	57	6	application	application	NOUN
easat-1666	57	7	of	of	ADP
easat-1666	57	8	modern	modern	ADJ
easat-1666	57	9	technologies	technology	NOUN
easat-1666	57	10	enabled	enable	VERB
easat-1666	57	11	banks	bank	NOUN
easat-1666	57	12	to	to	PART
easat-1666	57	13	provide	provide	VERB
easat-1666	57	14	services	service	NOUN
easat-1666	57	15	with	with	ADP
easat-1666	57	16	new	new	ADJ
easat-1666	57	17	features	feature	NOUN
easat-1666	57	18	that	that	PRON
easat-1666	57	19	were	be	AUX
easat-1666	57	20	not	not	PART
easat-1666	57	21	known	know	VERB
easat-1666	57	22	before	before	ADV
easat-1666	57	23	,	,	PUNCT
easat-1666	57	24	and	and	CCONJ
easat-1666	57	25	also	also	ADV
easat-1666	57	26	allowed	allow	VERB
easat-1666	57	27	these	these	DET
easat-1666	57	28	customers	customer	NOUN
easat-1666	57	29	to	to	PART
easat-1666	57	30	benefit	benefit	VERB
easat-1666	57	31	from	from	ADP
easat-1666	57	32	better	well	ADJ
easat-1666	57	33	opportunities	opportunity	NOUN
easat-1666	57	34	to	to	PART
easat-1666	57	35	invest	invest	VERB
easat-1666	57	36	their	their	PRON
easat-1666	57	37	money	money	NOUN
easat-1666	57	38	,	,	PUNCT
easat-1666	57	39	they	they	PRON
easat-1666	57	40	became	become	VERB
easat-1666	57	41	more	more	ADV
easat-1666	57	42	aware	aware	ADJ
easat-1666	57	43	and	and	CCONJ
easat-1666	57	44	conscious	conscious	ADJ
easat-1666	57	45	of	of	ADP
easat-1666	57	46	what	what	PRON
easat-1666	57	47	is	be	AUX
easat-1666	57	48	happening	happen	VERB
easat-1666	57	49	in	in	ADP
easat-1666	57	50	the	the	DET
easat-1666	57	51	various	various	ADJ
easat-1666	57	52	financial	financial	ADJ
easat-1666	57	53	and	and	CCONJ
easat-1666	57	54	monetary	monetary	ADJ
easat-1666	57	55	markets	market	NOUN
easat-1666	57	56	,	,	PUNCT
easat-1666	57	57	which	which	PRON
easat-1666	57	58	made	make	VERB
easat-1666	57	59	it	it	PRON
easat-1666	57	60	possible	possible	ADJ
easat-1666	57	61	to	to	PART
easat-1666	57	62	stand	stand	VERB
easat-1666	57	63	on	on	ADP
easat-1666	57	64	the	the	DET
easat-1666	57	65	prices	price	NOUN
easat-1666	57	66	offered	offer	VERB
easat-1666	57	67	in	in	ADP
easat-1666	57	68	other	other	ADJ
easat-1666	57	69	places	place	NOUN
easat-1666	57	70	that	that	PRON
easat-1666	57	71	are	be	AUX
easat-1666	57	72	rapidly	rapidly	ADV
easat-1666	57	73	declining	decline	VERB
easat-1666	57	74	due	due	ADP
easat-1666	57	75	to	to	ADP
easat-1666	57	76	the	the	DET
easat-1666	57	77	information	information	NOUN
easat-1666	57	78	revolution	revolution	NOUN
easat-1666	57	79	.	.	PUNCT
easat-1666	58	1	the	the	DET
easat-1666	58	2	concept	concept	NOUN
easat-1666	58	3	of	of	ADP
easat-1666	58	4	financial	financial	ADJ
easat-1666	58	5	operations	operation	NOUN
easat-1666	58	6	:	:	PUNCT
easat-1666	58	7	financial	financial	ADJ
easat-1666	58	8	operations	operation	NOUN
easat-1666	58	9	are	be	AUX
easat-1666	58	10	defined	define	VERB
easat-1666	58	11	as	as	ADP
easat-1666	58	12	:	:	PUNCT
easat-1666	58	13	"	"	PUNCT
easat-1666	58	14	the	the	DET
easat-1666	58	15	main	main	ADJ
easat-1666	58	16	activity	activity	NOUN
easat-1666	58	17	carried	carry	VERB
easat-1666	58	18	out	out	ADP
easat-1666	58	19	by	by	ADP
easat-1666	58	20	banks	bank	NOUN
easat-1666	58	21	with	with	ADP
easat-1666	58	22	the	the	DET
easat-1666	58	23	aim	aim	NOUN
easat-1666	58	24	of	of	ADP
easat-1666	58	25	achieving	achieve	VERB
easat-1666	58	26	profit	profit	NOUN
easat-1666	58	27	,	,	PUNCT
easat-1666	58	28	and	and	CCONJ
easat-1666	58	29	practicing	practice	VERB
easat-1666	58	30	them	they	PRON
easat-1666	58	31	may	may	AUX
easat-1666	58	32	expose	expose	VERB
easat-1666	58	33	the	the	DET
easat-1666	58	34	bank	bank	NOUN
easat-1666	58	35	to	to	ADP
easat-1666	58	36	commercial	commercial	ADJ
easat-1666	58	37	risks	risk	NOUN
easat-1666	58	38	that	that	PRON
easat-1666	58	39	may	may	AUX
easat-1666	58	40	cause	cause	VERB
easat-1666	58	41	it	it	PRON
easat-1666	58	42	to	to	PART
easat-1666	58	43	lose	lose	VERB
easat-1666	58	44	some	some	PRON
easat-1666	58	45	of	of	ADP
easat-1666	58	46	its	its	PRON
easat-1666	58	47	money	money	NOUN
easat-1666	58	48	(	(	PUNCT
easat-1666	58	49	abdul	abdul	PROPN
easat-1666	58	50	fattah	fattah	PROPN
easat-1666	58	51	suleiman	suleiman	PROPN
easat-1666	58	52	,	,	PUNCT
easat-1666	58	53	2017	2017	NUM
easat-1666	58	54	:	:	SYM
easat-1666	58	55	7	7	NUM
easat-1666	58	56	)	)	PUNCT
easat-1666	58	57	.	.	PUNCT
easat-1666	59	1	characteristics	characteristic	NOUN
easat-1666	59	2	of	of	ADP
easat-1666	59	3	financial	financial	ADJ
easat-1666	59	4	operations	operation	NOUN
easat-1666	59	5	:	:	PUNCT
easat-1666	59	6	we	we	PRON
easat-1666	59	7	can	can	AUX
easat-1666	59	8	clarify	clarify	VERB
easat-1666	59	9	that	that	SCONJ
easat-1666	59	10	financial	financial	ADJ
easat-1666	59	11	operations	operation	NOUN
easat-1666	59	12	have	have	VERB
easat-1666	59	13	a	a	DET
easat-1666	59	14	set	set	NOUN
easat-1666	59	15	of	of	ADP
easat-1666	59	16	characteristics	characteristic	NOUN
easat-1666	59	17	imposed	impose	VERB
easat-1666	59	18	by	by	ADP
easat-1666	59	19	the	the	DET
easat-1666	59	20	bank	bank	NOUN
easat-1666	59	21	and	and	CCONJ
easat-1666	59	22	can	can	AUX
easat-1666	59	23	be	be	AUX
easat-1666	59	24	summarized	summarize	VERB
easat-1666	59	25	as	as	SCONJ
easat-1666	59	26	follows	follow	VERB
easat-1666	59	27	:	:	PUNCT
easat-1666	59	28	(	(	PUNCT
easat-1666	59	29	ali	ali	PROPN
easat-1666	59	30	jamal	jamal	PROPN
easat-1666	59	31	al	al	PROPN
easat-1666	59	32	-	-	PUNCT
easat-1666	59	33	din	din	PROPN
easat-1666	59	34	awad	awad	PROPN
easat-1666	59	35	,	,	PUNCT
easat-1666	59	36	1994	1994	NUM
easat-1666	59	37	:	:	PUNCT
easat-1666	59	38	22	22	NUM
easat-1666	59	39	)	)	PUNCT
easat-1666	59	40	.	.	PUNCT
easat-1666	60	1	1	1	NUM
easat-1666	60	2	̶	̶	PROPN
easat-1666	60	3	technical	technical	ADJ
easat-1666	60	4	formula	formula	NOUN
easat-1666	60	5	:	:	PUNCT
easat-1666	60	6	financial	financial	ADJ
easat-1666	60	7	operations	operation	NOUN
easat-1666	60	8	have	have	VERB
easat-1666	60	9	a	a	DET
easat-1666	60	10	precise	precise	ADJ
easat-1666	60	11	technical	technical	ADJ
easat-1666	60	12	formula	formula	NOUN
easat-1666	60	13	because	because	SCONJ
easat-1666	60	14	they	they	PRON
easat-1666	60	15	use	use	VERB
easat-1666	60	16	technical	technical	ADJ
easat-1666	60	17	terms	term	NOUN
easat-1666	60	18	that	that	PRON
easat-1666	60	19	regulate	regulate	VERB
easat-1666	60	20	technical	technical	ADJ
easat-1666	60	21	topics	topic	NOUN
easat-1666	60	22	and	and	CCONJ
easat-1666	60	23	in	in	ADP
easat-1666	60	24	some	some	DET
easat-1666	60	25	cases	case	NOUN
easat-1666	60	26	may	may	AUX
easat-1666	60	27	not	not	PART
easat-1666	60	28	express	express	VERB
easat-1666	60	29	the	the	DET
easat-1666	60	30	linguistic	linguistic	ADJ
easat-1666	60	31	meaning	meaning	NOUN
easat-1666	60	32	,	,	PUNCT
easat-1666	60	33	and	and	CCONJ
easat-1666	60	34	banking	banking	NOUN
easat-1666	60	35	law	law	NOUN
easat-1666	60	36	is	be	AUX
easat-1666	60	37	of	of	ADP
easat-1666	60	38	a	a	DET
easat-1666	60	39	technical	technical	ADJ
easat-1666	60	40	nature	nature	NOUN
easat-1666	60	41	when	when	SCONJ
easat-1666	60	42	we	we	PRON
easat-1666	60	43	talk	talk	VERB
easat-1666	60	44	about	about	ADP
easat-1666	60	45	classical	classical	ADJ
easat-1666	60	46	banking	banking	NOUN
easat-1666	60	47	services	service	NOUN
easat-1666	60	48	,	,	PUNCT
easat-1666	60	49	and	and	CCONJ
easat-1666	60	50	when	when	SCONJ
easat-1666	60	51	we	we	PRON
easat-1666	60	52	415	415	NUM
easat-1666	60	53	edelweiss	edelweiss	PROPN
easat-1666	60	54	applied	apply	VERB
easat-1666	60	55	science	science	NOUN
easat-1666	60	56	and	and	CCONJ
easat-1666	60	57	technology	technology	NOUN
easat-1666	60	58	issn	issn	PROPN
easat-1666	60	59	:	:	PUNCT
easat-1666	60	60	2576	2576	NUM
easat-1666	60	61	-	-	SYM
easat-1666	60	62	8484	8484	NUM
easat-1666	60	63	vol	vol	NOUN
easat-1666	60	64	.	.	PROPN
easat-1666	60	65	8	8	NUM
easat-1666	60	66	,	,	PUNCT
easat-1666	60	67	no	no	INTJ
easat-1666	60	68	.	.	NOUN
easat-1666	61	1	3	3	NUM
easat-1666	61	2	:	:	PUNCT
easat-1666	61	3	412	412	NUM
easat-1666	61	4	-	-	SYM
easat-1666	61	5	422	422	NUM
easat-1666	61	6	,	,	PUNCT
easat-1666	61	7	2024	2024	NUM
easat-1666	61	8	doi	doi	NOUN
easat-1666	61	9	:	:	PUNCT
easat-1666	61	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	61	11	©	©	PROPN
easat-1666	61	12	2024	2024	NUM
easat-1666	61	13	by	by	ADP
easat-1666	61	14	the	the	DET
easat-1666	61	15	authors	author	NOUN
easat-1666	61	16	;	;	PUNCT
easat-1666	61	17	licensee	licensee	PROPN
easat-1666	61	18	learning	learn	VERB
easat-1666	61	19	gate	gate	NOUN
easat-1666	61	20	move	move	NOUN
easat-1666	61	21	to	to	ADP
easat-1666	61	22	electronic	electronic	ADJ
easat-1666	61	23	financial	financial	ADJ
easat-1666	61	24	operations	operation	NOUN
easat-1666	61	25	,	,	PUNCT
easat-1666	61	26	the	the	DET
easat-1666	61	27	technical	technical	ADJ
easat-1666	61	28	and	and	CCONJ
easat-1666	61	29	technical	technical	ADJ
easat-1666	61	30	aspects	aspect	NOUN
easat-1666	61	31	become	become	VERB
easat-1666	61	32	more	more	ADV
easat-1666	61	33	complex	complex	ADJ
easat-1666	61	34	,	,	PUNCT
easat-1666	61	35	especially	especially	ADV
easat-1666	61	36	when	when	SCONJ
easat-1666	61	37	we	we	PRON
easat-1666	61	38	include	include	VERB
easat-1666	61	39	banking	banking	NOUN
easat-1666	61	40	services	service	NOUN
easat-1666	61	41	terms	term	NOUN
easat-1666	61	42	,	,	PUNCT
easat-1666	61	43	terms	term	NOUN
easat-1666	61	44	related	relate	VERB
easat-1666	61	45	to	to	ADP
easat-1666	61	46	information	information	NOUN
easat-1666	61	47	and	and	CCONJ
easat-1666	61	48	communications	communication	NOUN
easat-1666	61	49	technology	technology	NOUN
easat-1666	61	50	,	,	PUNCT
easat-1666	61	51	the	the	DET
easat-1666	61	52	internet	internet	NOUN
easat-1666	61	53	,	,	PUNCT
easat-1666	61	54	computer	computer	NOUN
easat-1666	61	55	networks	network	NOUN
easat-1666	61	56	and	and	CCONJ
easat-1666	61	57	various	various	ADJ
easat-1666	61	58	communications	communication	NOUN
easat-1666	61	59	.	.	PUNCT
easat-1666	62	1	2	2	NUM
easat-1666	62	2	̶	̶	NOUN
easat-1666	62	3	unification	unification	NOUN
easat-1666	62	4	and	and	CCONJ
easat-1666	62	5	repetition	repetition	NOUN
easat-1666	62	6	:	:	PUNCT
easat-1666	62	7	banks	bank	NOUN
easat-1666	62	8	rely	rely	VERB
easat-1666	62	9	on	on	ADP
easat-1666	62	10	unification	unification	NOUN
easat-1666	62	11	and	and	CCONJ
easat-1666	62	12	repetition	repetition	NOUN
easat-1666	62	13	between	between	ADP
easat-1666	62	14	different	different	ADJ
easat-1666	62	15	banks	bank	NOUN
easat-1666	62	16	,	,	PUNCT
easat-1666	62	17	and	and	CCONJ
easat-1666	62	18	even	even	ADV
easat-1666	62	19	their	their	PRON
easat-1666	62	20	technology	technology	NOUN
easat-1666	62	21	can	can	AUX
easat-1666	62	22	be	be	AUX
easat-1666	62	23	very	very	ADV
easat-1666	62	24	similar	similar	ADJ
easat-1666	62	25	in	in	ADP
easat-1666	62	26	many	many	ADJ
easat-1666	62	27	countries	country	NOUN
easat-1666	62	28	.	.	PUNCT
easat-1666	63	1	this	this	PRON
easat-1666	63	2	is	be	AUX
easat-1666	63	3	due	due	ADJ
easat-1666	63	4	to	to	ADP
easat-1666	63	5	the	the	DET
easat-1666	63	6	fact	fact	NOUN
easat-1666	63	7	that	that	SCONJ
easat-1666	63	8	many	many	ADJ
easat-1666	63	9	banking	banking	NOUN
easat-1666	63	10	operations	operation	NOUN
easat-1666	63	11	,	,	PUNCT
easat-1666	63	12	mainly	mainly	ADV
easat-1666	63	13	related	relate	VERB
easat-1666	63	14	to	to	ADP
easat-1666	63	15	foreign	foreign	ADJ
easat-1666	63	16	trade	trade	NOUN
easat-1666	63	17	,	,	PUNCT
easat-1666	63	18	extend	extend	VERB
easat-1666	63	19	their	their	PRON
easat-1666	63	20	impact	impact	NOUN
easat-1666	63	21	to	to	ADP
easat-1666	63	22	several	several	ADJ
easat-1666	63	23	countries	country	NOUN
easat-1666	63	24	in	in	ADP
easat-1666	63	25	a	a	DET
easat-1666	63	26	single	single	ADJ
easat-1666	63	27	operation	operation	NOUN
easat-1666	63	28	,	,	PUNCT
easat-1666	63	29	as	as	ADV
easat-1666	63	30	well	well	ADV
easat-1666	63	31	as	as	ADP
easat-1666	63	32	operations	operation	NOUN
easat-1666	63	33	related	relate	VERB
easat-1666	63	34	to	to	ADP
easat-1666	63	35	documentary	documentary	ADJ
easat-1666	63	36	credit	credit	NOUN
easat-1666	63	37	.	.	PUNCT
easat-1666	64	1	3	3	NUM
easat-1666	64	2	̶	̶	NOUN
easat-1666	64	3	banking	banking	NOUN
easat-1666	64	4	operations	operation	NOUN
easat-1666	64	5	are	be	AUX
easat-1666	64	6	mostly	mostly	ADV
easat-1666	64	7	based	base	VERB
easat-1666	64	8	on	on	ADP
easat-1666	64	9	a	a	DET
easat-1666	64	10	personal	personal	ADJ
easat-1666	64	11	nature	nature	NOUN
easat-1666	64	12	:	:	PUNCT
easat-1666	64	13	the	the	DET
easat-1666	64	14	trust	trust	NOUN
easat-1666	64	15	factor	factor	NOUN
easat-1666	64	16	is	be	AUX
easat-1666	64	17	very	very	ADV
easat-1666	64	18	important	important	ADJ
easat-1666	64	19	between	between	ADP
easat-1666	64	20	the	the	DET
easat-1666	64	21	bank	bank	NOUN
easat-1666	64	22	and	and	CCONJ
easat-1666	64	23	the	the	DET
easat-1666	64	24	customer	customer	NOUN
easat-1666	64	25	,	,	PUNCT
easat-1666	64	26	it	it	PRON
easat-1666	64	27	is	be	AUX
easat-1666	64	28	important	important	ADJ
easat-1666	64	29	for	for	ADP
easat-1666	64	30	the	the	DET
easat-1666	64	31	bank	bank	NOUN
easat-1666	64	32	in	in	ADP
easat-1666	64	33	the	the	DET
easat-1666	64	34	face	face	NOUN
easat-1666	64	35	of	of	ADP
easat-1666	64	36	the	the	DET
easat-1666	64	37	customer	customer	NOUN
easat-1666	64	38	and	and	CCONJ
easat-1666	64	39	for	for	ADP
easat-1666	64	40	the	the	DET
easat-1666	64	41	customer	customer	NOUN
easat-1666	64	42	in	in	ADP
easat-1666	64	43	the	the	DET
easat-1666	64	44	face	face	NOUN
easat-1666	64	45	of	of	ADP
easat-1666	64	46	the	the	DET
easat-1666	64	47	bank	bank	NOUN
easat-1666	64	48	,	,	PUNCT
easat-1666	64	49	but	but	CCONJ
easat-1666	64	50	in	in	ADP
easat-1666	64	51	this	this	DET
easat-1666	64	52	case	case	NOUN
easat-1666	64	53	of	of	ADP
easat-1666	64	54	tension	tension	NOUN
easat-1666	64	55	,	,	PUNCT
easat-1666	64	56	we	we	PRON
easat-1666	64	57	do	do	AUX
easat-1666	64	58	not	not	PART
easat-1666	64	59	underestimate	underestimate	VERB
easat-1666	64	60	the	the	DET
easat-1666	64	61	importance	importance	NOUN
easat-1666	64	62	of	of	ADP
easat-1666	64	63	this	this	DET
easat-1666	64	64	factor	factor	NOUN
easat-1666	64	65	for	for	ADP
easat-1666	64	66	the	the	DET
easat-1666	64	67	bank	bank	NOUN
easat-1666	64	68	,	,	PUNCT
easat-1666	64	69	it	it	PRON
easat-1666	64	70	can	can	AUX
easat-1666	64	71	lead	lead	VERB
easat-1666	64	72	to	to	ADP
easat-1666	64	73	great	great	ADJ
easat-1666	64	74	risks	risk	NOUN
easat-1666	64	75	and	and	CCONJ
easat-1666	64	76	lead	lead	VERB
easat-1666	64	77	to	to	ADP
easat-1666	64	78	financial	financial	ADJ
easat-1666	64	79	losses	loss	NOUN
easat-1666	64	80	for	for	ADP
easat-1666	64	81	banks	bank	NOUN
easat-1666	64	82	.	.	PUNCT
easat-1666	65	1	as	as	ADP
easat-1666	65	2	for	for	ADP
easat-1666	65	3	electronic	electronic	ADJ
easat-1666	65	4	banking	banking	NOUN
easat-1666	65	5	operations	operation	NOUN
easat-1666	65	6	,	,	PUNCT
easat-1666	65	7	they	they	PRON
easat-1666	65	8	are	be	AUX
easat-1666	65	9	more	more	ADV
easat-1666	65	10	difficult	difficult	ADJ
easat-1666	65	11	for	for	ADP
easat-1666	65	12	banks	bank	NOUN
easat-1666	65	13	due	due	ADJ
easat-1666	65	14	to	to	ADP
easat-1666	65	15	the	the	DET
easat-1666	65	16	high	high	ADJ
easat-1666	65	17	prevalence	prevalence	NOUN
easat-1666	65	18	of	of	ADP
easat-1666	65	19	fraudulent	fraudulent	ADJ
easat-1666	65	20	methods	method	NOUN
easat-1666	65	21	by	by	ADP
easat-1666	65	22	customers	customer	NOUN
easat-1666	65	23	in	in	ADP
easat-1666	65	24	the	the	DET
easat-1666	65	25	banking	banking	NOUN
easat-1666	65	26	and	and	CCONJ
easat-1666	65	27	financial	financial	ADJ
easat-1666	65	28	sectors	sector	NOUN
easat-1666	65	29	on	on	ADP
easat-1666	65	30	the	the	DET
easat-1666	65	31	internet	internet	NOUN
easat-1666	65	32	.	.	PUNCT
easat-1666	66	1	4	4	NUM
easat-1666	66	2	̶	̶	NOUN
easat-1666	66	3	having	have	VERB
easat-1666	66	4	contracts	contract	NOUN
easat-1666	66	5	or	or	CCONJ
easat-1666	66	6	contractual	contractual	ADJ
easat-1666	66	7	terms	term	NOUN
easat-1666	66	8	:	:	PUNCT
easat-1666	66	9	most	most	ADJ
easat-1666	66	10	banking	banking	NOUN
easat-1666	66	11	operations	operation	NOUN
easat-1666	66	12	are	be	AUX
easat-1666	66	13	in	in	ADP
easat-1666	66	14	the	the	DET
easat-1666	66	15	form	form	NOUN
easat-1666	66	16	of	of	ADP
easat-1666	66	17	standard	standard	ADJ
easat-1666	66	18	contracts	contract	NOUN
easat-1666	66	19	with	with	ADP
easat-1666	66	20	specifications	specification	NOUN
easat-1666	66	21	prepared	prepare	VERB
easat-1666	66	22	in	in	ADP
easat-1666	66	23	advance	advance	NOUN
easat-1666	66	24	by	by	ADP
easat-1666	66	25	banks	bank	NOUN
easat-1666	66	26	,	,	PUNCT
easat-1666	66	27	and	and	CCONJ
easat-1666	66	28	most	most	ADJ
easat-1666	66	29	jurists	jurist	NOUN
easat-1666	66	30	have	have	AUX
easat-1666	66	31	come	come	VERB
easat-1666	66	32	to	to	PART
easat-1666	66	33	consider	consider	VERB
easat-1666	66	34	many	many	ADJ
easat-1666	66	35	banking	banking	NOUN
easat-1666	66	36	operations	operation	NOUN
easat-1666	66	37	contracts	contract	NOUN
easat-1666	66	38	as	as	ADP
easat-1666	66	39	acceptance	acceptance	NOUN
easat-1666	66	40	contracts	contract	NOUN
easat-1666	66	41	,	,	PUNCT
easat-1666	66	42	as	as	SCONJ
easat-1666	66	43	banks	bank	NOUN
easat-1666	66	44	only	only	ADV
easat-1666	66	45	need	need	VERB
easat-1666	66	46	to	to	PART
easat-1666	66	47	specify	specify	VERB
easat-1666	66	48	their	their	PRON
easat-1666	66	49	own	own	ADJ
easat-1666	66	50	contractual	contractual	ADJ
easat-1666	66	51	terms	term	NOUN
easat-1666	66	52	and	and	CCONJ
easat-1666	66	53	customers	customer	NOUN
easat-1666	66	54	to	to	PART
easat-1666	66	55	accept	accept	VERB
easat-1666	66	56	or	or	CCONJ
easat-1666	66	57	reject	reject	VERB
easat-1666	66	58	these	these	DET
easat-1666	66	59	terms	term	NOUN
easat-1666	66	60	.	.	PUNCT
easat-1666	67	1	the	the	DET
easat-1666	67	2	concept	concept	NOUN
easat-1666	67	3	of	of	ADP
easat-1666	67	4	electronic	electronic	ADJ
easat-1666	67	5	financial	financial	ADJ
easat-1666	67	6	operations	operation	NOUN
easat-1666	67	7	:	:	PUNCT
easat-1666	67	8	electronic	electronic	ADJ
easat-1666	67	9	financial	financial	ADJ
easat-1666	67	10	operations	operation	NOUN
easat-1666	67	11	are	be	AUX
easat-1666	67	12	defined	define	VERB
easat-1666	67	13	by	by	ADP
easat-1666	67	14	the	the	DET
easat-1666	67	15	us	us	PROPN
easat-1666	67	16	federal	federal	ADJ
easat-1666	67	17	financial	financial	ADJ
easat-1666	67	18	institutions	institution	NOUN
easat-1666	67	19	oversight	oversight	NOUN
easat-1666	67	20	council	council	PROPN
easat-1666	67	21	as	as	ADP
easat-1666	67	22	providing	provide	VERB
easat-1666	67	23	serious	serious	ADJ
easat-1666	67	24	and	and	CCONJ
easat-1666	67	25	traditional	traditional	ADJ
easat-1666	67	26	banking	banking	NOUN
easat-1666	67	27	services	service	NOUN
easat-1666	67	28	and	and	CCONJ
easat-1666	67	29	obtaining	obtain	VERB
easat-1666	67	30	information	information	NOUN
easat-1666	67	31	about	about	ADP
easat-1666	67	32	the	the	DET
easat-1666	67	33	services	service	NOUN
easat-1666	67	34	provided	provide	VERB
easat-1666	67	35	by	by	ADP
easat-1666	67	36	banks	bank	NOUN
easat-1666	67	37	directly	directly	ADV
easat-1666	67	38	to	to	ADP
easat-1666	67	39	customers	customer	NOUN
easat-1666	67	40	through	through	ADP
easat-1666	67	41	interactive	interactive	ADJ
easat-1666	67	42	e	e	NOUN
easat-1666	67	43	-	-	ADJ
easat-1666	67	44	learning	learning	ADJ
easat-1666	67	45	channels	channel	NOUN
easat-1666	67	46	and	and	CCONJ
easat-1666	67	47	through	through	ADP
easat-1666	67	48	various	various	ADJ
easat-1666	67	49	networks	network	NOUN
easat-1666	67	50	(	(	PUNCT
easat-1666	67	51	alaa	alaa	PROPN
easat-1666	67	52	al	al	PROPN
easat-1666	67	53	-	-	PUNCT
easat-1666	67	54	tamimi	tamimi	PROPN
easat-1666	67	55	,	,	PUNCT
easat-1666	67	56	2012	2012	NUM
easat-1666	67	57	:	:	PUNCT
easat-1666	67	58	23	23	NUM
easat-1666	67	59	)	)	PUNCT
easat-1666	67	60	electronic	electronic	ADJ
easat-1666	67	61	financial	financial	ADJ
easat-1666	67	62	operations	operation	NOUN
easat-1666	67	63	aim	aim	VERB
easat-1666	67	64	primarily	primarily	ADV
easat-1666	67	65	to	to	PART
easat-1666	67	66	provide	provide	VERB
easat-1666	67	67	traditional	traditional	ADJ
easat-1666	67	68	or	or	CCONJ
easat-1666	67	69	innovative	innovative	ADJ
easat-1666	67	70	banking	banking	NOUN
easat-1666	67	71	services	service	NOUN
easat-1666	67	72	to	to	ADP
easat-1666	67	73	banks	bank	NOUN
easat-1666	67	74	through	through	ADP
easat-1666	67	75	electronic	electronic	ADJ
easat-1666	67	76	communication	communication	NOUN
easat-1666	67	77	networks	network	NOUN
easat-1666	67	78	and	and	CCONJ
easat-1666	67	79	are	be	AUX
easat-1666	67	80	limited	limit	VERB
easat-1666	67	81	to	to	ADP
easat-1666	67	82	participants	participant	NOUN
easat-1666	67	83	in	in	ADP
easat-1666	67	84	them	they	PRON
easat-1666	67	85	according	accord	VERB
easat-1666	67	86	to	to	ADP
easat-1666	67	87	the	the	DET
easat-1666	67	88	membership	membership	NOUN
easat-1666	67	89	conditions	condition	NOUN
easat-1666	67	90	determined	determine	VERB
easat-1666	67	91	by	by	ADP
easat-1666	67	92	the	the	DET
easat-1666	67	93	bank	bank	NOUN
easat-1666	67	94	(	(	PUNCT
easat-1666	67	95	ahmed	ahmed	PROPN
easat-1666	67	96	nours	nours	PROPN
easat-1666	67	97	and	and	CCONJ
easat-1666	67	98	al	al	PROPN
easat-1666	67	99	-	-	PUNCT
easat-1666	67	100	saeed	saeed	PROPN
easat-1666	67	101	barbaka	barbaka	PROPN
easat-1666	67	102	,	,	PUNCT
easat-1666	67	103	2016	2016	NUM
easat-1666	67	104	:	:	PUNCT
easat-1666	67	105	90	90	NUM
easat-1666	67	106	)	)	PUNCT
easat-1666	67	107	.	.	PUNCT
easat-1666	68	1	features	feature	NOUN
easat-1666	68	2	and	and	CCONJ
easat-1666	68	3	characteristics	characteristic	NOUN
easat-1666	68	4	of	of	ADP
easat-1666	68	5	electronic	electronic	ADJ
easat-1666	68	6	financial	financial	ADJ
easat-1666	68	7	operations	operation	NOUN
easat-1666	68	8	through	through	ADP
easat-1666	68	9	the	the	DET
easat-1666	68	10	previous	previous	ADJ
easat-1666	68	11	definition	definition	NOUN
easat-1666	68	12	of	of	ADP
easat-1666	68	13	electronic	electronic	ADJ
easat-1666	68	14	financial	financial	ADJ
easat-1666	68	15	operations	operation	NOUN
easat-1666	68	16	,	,	PUNCT
easat-1666	68	17	the	the	DET
easat-1666	68	18	most	most	ADV
easat-1666	68	19	important	important	ADJ
easat-1666	68	20	features	feature	NOUN
easat-1666	68	21	and	and	CCONJ
easat-1666	68	22	characteristics	characteristic	NOUN
easat-1666	68	23	of	of	ADP
easat-1666	68	24	these	these	DET
easat-1666	68	25	financial	financial	ADJ
easat-1666	68	26	operations	operation	NOUN
easat-1666	68	27	can	can	AUX
easat-1666	68	28	be	be	AUX
easat-1666	68	29	summarized	summarize	VERB
easat-1666	68	30	,	,	PUNCT
easat-1666	68	31	as	as	SCONJ
easat-1666	68	32	follows	follow	VERB
easat-1666	68	33	(	(	PUNCT
easat-1666	68	34	youssef	youssef	PROPN
easat-1666	68	35	hassan	hassan	PROPN
easat-1666	68	36	,	,	PUNCT
easat-1666	68	37	2012	2012	NUM
easat-1666	68	38	:	:	PUNCT
easat-1666	69	1	16	16	NUM
easat-1666	69	2	):	):	PUNCT
easat-1666	69	3	̶	̶	PROPN
easat-1666	69	4	1	1	NUM
easat-1666	69	5	̶	̶	PROPN
easat-1666	69	6	cross	cross	ADJ
easat-1666	69	7	-	-	ADJ
easat-1666	69	8	border	border	ADJ
easat-1666	69	9	electronic	electronic	ADJ
easat-1666	69	10	financial	financial	ADJ
easat-1666	69	11	operations	operation	NOUN
easat-1666	69	12	,	,	PUNCT
easat-1666	69	13	because	because	SCONJ
easat-1666	69	14	citizens	citizen	NOUN
easat-1666	69	15	of	of	ADP
easat-1666	69	16	one	one	NUM
easat-1666	69	17	country	country	NOUN
easat-1666	69	18	can	can	AUX
easat-1666	69	19	benefit	benefit	VERB
easat-1666	69	20	from	from	ADP
easat-1666	69	21	the	the	DET
easat-1666	69	22	services	service	NOUN
easat-1666	69	23	of	of	ADP
easat-1666	69	24	banks	bank	NOUN
easat-1666	69	25	in	in	ADP
easat-1666	69	26	other	other	ADJ
easat-1666	69	27	countries	country	NOUN
easat-1666	69	28	.	.	PUNCT
easat-1666	70	1	electronic	electronic	ADJ
easat-1666	70	2	banking	banking	NOUN
easat-1666	70	3	services	service	NOUN
easat-1666	70	4	,	,	PUNCT
easat-1666	70	5	such	such	ADJ
easat-1666	70	6	as	as	ADP
easat-1666	70	7	e	e	NOUN
easat-1666	70	8	-	-	NOUN
easat-1666	70	9	commerce	commerce	NOUN
easat-1666	70	10	,	,	PUNCT
easat-1666	70	11	do	do	AUX
easat-1666	70	12	not	not	PART
easat-1666	70	13	believe	believe	VERB
easat-1666	70	14	in	in	ADP
easat-1666	70	15	borders	border	NOUN
easat-1666	70	16	,	,	PUNCT
easat-1666	70	17	so	so	CCONJ
easat-1666	70	18	if	if	SCONJ
easat-1666	70	19	disputes	dispute	NOUN
easat-1666	70	20	arise	arise	VERB
easat-1666	70	21	related	relate	VERB
easat-1666	70	22	to	to	ADP
easat-1666	70	23	these	these	DET
easat-1666	70	24	banking	banking	NOUN
easat-1666	70	25	services	service	NOUN
easat-1666	70	26	,	,	PUNCT
easat-1666	70	27	it	it	PRON
easat-1666	70	28	is	be	AUX
easat-1666	70	29	necessary	necessary	ADJ
easat-1666	70	30	to	to	PART
easat-1666	70	31	raise	raise	VERB
easat-1666	70	32	the	the	DET
easat-1666	70	33	issue	issue	NOUN
easat-1666	70	34	of	of	ADP
easat-1666	70	35	jurisdictional	jurisdictional	ADJ
easat-1666	70	36	disputes	dispute	NOUN
easat-1666	70	37	and	and	CCONJ
easat-1666	70	38	applicable	applicable	ADJ
easat-1666	70	39	law	law	NOUN
easat-1666	70	40	.	.	PUNCT
easat-1666	71	1	2	2	NUM
easat-1666	71	2	̶	̶	PROPN
easat-1666	71	3	electronic	electronic	ADJ
easat-1666	71	4	financial	financial	ADJ
easat-1666	71	5	operations	operation	NOUN
easat-1666	71	6	dispense	dispense	VERB
easat-1666	71	7	with	with	ADP
easat-1666	71	8	papers	paper	NOUN
easat-1666	71	9	,	,	PUNCT
easat-1666	71	10	and	and	CCONJ
easat-1666	71	11	all	all	DET
easat-1666	71	12	correspondence	correspondence	NOUN
easat-1666	71	13	is	be	AUX
easat-1666	71	14	conducted	conduct	VERB
easat-1666	71	15	electronically	electronically	ADV
easat-1666	71	16	,	,	PUNCT
easat-1666	71	17	and	and	CCONJ
easat-1666	71	18	is	be	AUX
easat-1666	71	19	uploaded	upload	VERB
easat-1666	71	20	or	or	CCONJ
easat-1666	71	21	recorded	record	VERB
easat-1666	71	22	in	in	ADP
easat-1666	71	23	an	an	DET
easat-1666	71	24	unimportant	unimportant	ADJ
easat-1666	71	25	division	division	NOUN
easat-1666	71	26	result	result	NOUN
easat-1666	71	27	of	of	ADP
easat-1666	71	28	an	an	DET
easat-1666	71	29	electronic	electronic	ADJ
easat-1666	71	30	nature	nature	NOUN
easat-1666	71	31	,	,	PUNCT
easat-1666	71	32	and	and	CCONJ
easat-1666	71	33	then	then	ADV
easat-1666	71	34	the	the	DET
easat-1666	71	35	form	form	NOUN
easat-1666	71	36	of	of	ADP
easat-1666	71	37	proof	proof	NOUN
easat-1666	71	38	is	be	AUX
easat-1666	71	39	provided	provide	VERB
easat-1666	71	40	in	in	ADP
easat-1666	71	41	the	the	DET
easat-1666	71	42	absence	absence	NOUN
easat-1666	71	43	of	of	ADP
easat-1666	71	44	a	a	DET
easat-1666	71	45	handwritten	handwritten	ADJ
easat-1666	71	46	document	document	NOUN
easat-1666	71	47	.	.	PUNCT
easat-1666	72	1	3	3	NUM
easat-1666	72	2	̶	̶	NOUN
easat-1666	72	3	if	if	SCONJ
easat-1666	72	4	the	the	DET
easat-1666	72	5	customer	customer	NOUN
easat-1666	72	6	conducts	conduct	VERB
easat-1666	72	7	electronic	electronic	ADJ
easat-1666	72	8	banking	banking	NOUN
easat-1666	72	9	remotely	remotely	ADV
easat-1666	72	10	without	without	ADP
easat-1666	72	11	coming	come	VERB
easat-1666	72	12	to	to	ADP
easat-1666	72	13	the	the	DET
easat-1666	72	14	bank	bank	NOUN
easat-1666	72	15	and	and	CCONJ
easat-1666	72	16	concluding	conclude	VERB
easat-1666	72	17	a	a	DET
easat-1666	72	18	contract	contract	NOUN
easat-1666	72	19	,	,	PUNCT
easat-1666	72	20	this	this	DET
easat-1666	72	21	contract	contract	NOUN
easat-1666	72	22	will	will	AUX
easat-1666	72	23	be	be	AUX
easat-1666	72	24	between	between	ADP
easat-1666	72	25	two	two	NUM
easat-1666	72	26	absentees	absentee	NOUN
easat-1666	72	27	,	,	PUNCT
easat-1666	72	28	and	and	CCONJ
easat-1666	72	29	electronic	electronic	ADJ
easat-1666	72	30	banking	banking	NOUN
easat-1666	72	31	raises	raise	VERB
easat-1666	72	32	the	the	DET
easat-1666	72	33	issue	issue	NOUN
easat-1666	72	34	of	of	ADP
easat-1666	72	35	a	a	DET
easat-1666	72	36	remote	remote	ADJ
easat-1666	72	37	contract	contract	NOUN
easat-1666	72	38	.	.	PUNCT
easat-1666	73	1	4	4	NUM
easat-1666	73	2	̶	̶	PROPN
easat-1666	73	3	electronic	electronic	ADJ
easat-1666	73	4	financial	financial	ADJ
easat-1666	73	5	operations	operation	NOUN
easat-1666	73	6	are	be	AUX
easat-1666	73	7	much	much	ADV
easat-1666	73	8	less	less	ADV
easat-1666	73	9	expensive	expensive	ADJ
easat-1666	73	10	than	than	ADP
easat-1666	73	11	regular	regular	ADJ
easat-1666	73	12	or	or	CCONJ
easat-1666	73	13	traditional	traditional	ADJ
easat-1666	73	14	banking	banking	NOUN
easat-1666	73	15	operations	operation	NOUN
easat-1666	73	16	,	,	PUNCT
easat-1666	73	17	as	as	SCONJ
easat-1666	73	18	they	they	PRON
easat-1666	73	19	are	be	AUX
easat-1666	73	20	done	do	VERB
easat-1666	73	21	through	through	ADP
easat-1666	73	22	electronic	electronic	ADJ
easat-1666	73	23	banks	bank	NOUN
easat-1666	73	24	,	,	PUNCT
easat-1666	73	25	as	as	SCONJ
easat-1666	73	26	the	the	DET
easat-1666	73	27	least	least	ADV
easat-1666	73	28	possible	possible	ADJ
easat-1666	73	29	number	number	NOUN
easat-1666	73	30	of	of	ADP
easat-1666	73	31	workers	worker	NOUN
easat-1666	73	32	are	be	AUX
easat-1666	73	33	employed	employ	VERB
easat-1666	73	34	and	and	CCONJ
easat-1666	73	35	the	the	DET
easat-1666	73	36	ability	ability	NOUN
easat-1666	73	37	to	to	PART
easat-1666	73	38	do	do	AUX
easat-1666	73	39	so	so	ADV
easat-1666	73	40	is	be	AUX
easat-1666	73	41	available	available	ADJ
easat-1666	73	42	24	24	NUM
easat-1666	73	43	hours	hour	NOUN
easat-1666	73	44	a	a	DET
easat-1666	73	45	day	day	NOUN
easat-1666	73	46	,	,	PUNCT
easat-1666	73	47	day	day	NOUN
easat-1666	73	48	and	and	CCONJ
easat-1666	73	49	night	night	NOUN
easat-1666	73	50	.	.	PUNCT
easat-1666	74	1	it	it	PRON
easat-1666	74	2	is	be	AUX
easat-1666	74	3	also	also	ADV
easat-1666	74	4	a	a	DET
easat-1666	74	5	relative	relative	ADJ
easat-1666	74	6	concept	concept	NOUN
easat-1666	74	7	that	that	PRON
easat-1666	74	8	expresses	express	VERB
easat-1666	74	9	the	the	DET
easat-1666	74	10	relative	relative	ADJ
easat-1666	74	11	relationship	relationship	NOUN
easat-1666	74	12	what	what	PRON
easat-1666	74	13	is	be	AUX
easat-1666	74	14	meant	mean	VERB
easat-1666	74	15	by	by	ADP
easat-1666	74	16	profitability	profitability	NOUN
easat-1666	74	17	?	?	PUNCT
easat-1666	75	1	profitability	profitability	NOUN
easat-1666	75	2	has	have	VERB
easat-1666	75	3	many	many	ADJ
easat-1666	75	4	definitions	definition	NOUN
easat-1666	75	5	,	,	PUNCT
easat-1666	75	6	and	and	CCONJ
easat-1666	75	7	here	here	ADV
easat-1666	75	8	are	be	AUX
easat-1666	75	9	some	some	PRON
easat-1666	75	10	of	of	ADP
easat-1666	75	11	them	they	PRON
easat-1666	75	12	:	:	PUNCT
easat-1666	75	13	it	it	PRON
easat-1666	75	14	is	be	AUX
easat-1666	75	15	defined	define	VERB
easat-1666	75	16	as	as	ADP
easat-1666	75	17	the	the	DET
easat-1666	75	18	increase	increase	NOUN
easat-1666	75	19	in	in	ADP
easat-1666	75	20	revenues	revenue	NOUN
easat-1666	75	21	over	over	ADP
easat-1666	75	22	expenses	expense	NOUN
easat-1666	75	23	,	,	PUNCT
easat-1666	75	24	in	in	ADP
easat-1666	75	25	other	other	ADJ
easat-1666	75	26	words	word	NOUN
easat-1666	75	27	,	,	PUNCT
easat-1666	75	28	the	the	DET
easat-1666	75	29	increase	increase	NOUN
easat-1666	75	30	in	in	ADP
easat-1666	75	31	assets	asset	NOUN
easat-1666	75	32	over	over	ADP
easat-1666	75	33	liabilities	liability	NOUN
easat-1666	75	34	.	.	PUNCT
easat-1666	76	1	it	it	PRON
easat-1666	76	2	is	be	AUX
easat-1666	76	3	defined	define	VERB
easat-1666	76	4	as	as	ADP
easat-1666	76	5	:	:	PUNCT
easat-1666	76	6	"	"	PUNCT
easat-1666	76	7	the	the	DET
easat-1666	76	8	bank	bank	NOUN
easat-1666	76	9	's	's	PART
easat-1666	76	10	ability	ability	NOUN
easat-1666	76	11	to	to	PART
easat-1666	76	12	increase	increase	VERB
easat-1666	76	13	its	its	PRON
easat-1666	76	14	capital	capital	NOUN
easat-1666	76	15	"	"	PUNCT
easat-1666	76	16	(	(	PUNCT
easat-1666	76	17	ismail	ismail	PROPN
easat-1666	76	18	muhammad	muhammad	PROPN
easat-1666	76	19	,	,	PUNCT
easat-1666	76	20	1976	1976	NUM
easat-1666	76	21	:	:	PUNCT
easat-1666	76	22	67	67	NUM
easat-1666	76	23	)	)	PUNCT
easat-1666	76	24	.	.	PUNCT
easat-1666	77	1	it	it	PRON
easat-1666	77	2	is	be	AUX
easat-1666	77	3	also	also	ADV
easat-1666	77	4	known	know	VERB
easat-1666	77	5	as	as	ADP
easat-1666	77	6	the	the	DET
easat-1666	77	7	bank	bank	NOUN
easat-1666	77	8	's	's	PART
easat-1666	77	9	ability	ability	NOUN
easat-1666	77	10	to	to	PART
easat-1666	77	11	achieve	achieve	VERB
easat-1666	77	12	an	an	DET
easat-1666	77	13	increase	increase	NOUN
easat-1666	77	14	in	in	ADP
easat-1666	77	15	invested	invest	VERB
easat-1666	77	16	assets	asset	NOUN
easat-1666	77	17	,	,	PUNCT
easat-1666	77	18	which	which	PRON
easat-1666	77	19	is	be	AUX
easat-1666	77	20	a	a	DET
easat-1666	77	21	cash	cash	NOUN
easat-1666	77	22	increase	increase	NOUN
easat-1666	77	23	for	for	ADP
easat-1666	77	24	the	the	DET
easat-1666	77	25	difference	difference	NOUN
easat-1666	77	26	between	between	ADP
easat-1666	77	27	the	the	DET
easat-1666	77	28	cash	cash	NOUN
easat-1666	77	29	paid	pay	VERB
easat-1666	77	30	to	to	PART
easat-1666	77	31	purchase	purchase	VERB
easat-1666	77	32	an	an	DET
easat-1666	77	33	investment	investment	NOUN
easat-1666	77	34	commodity	commodity	NOUN
easat-1666	77	35	,	,	PUNCT
easat-1666	77	36	represented	represent	VERB
easat-1666	77	37	by	by	ADP
easat-1666	77	38	interest	interest	NOUN
easat-1666	77	39	on	on	ADP
easat-1666	77	40	deposits	deposit	NOUN
easat-1666	77	41	,	,	PUNCT
easat-1666	77	42	and	and	CCONJ
easat-1666	77	43	the	the	DET
easat-1666	77	44	cash	cash	NOUN
easat-1666	77	45	received	receive	VERB
easat-1666	77	46	when	when	SCONJ
easat-1666	77	47	selling	sell	VERB
easat-1666	77	48	an	an	DET
easat-1666	77	49	investment	investment	NOUN
easat-1666	77	50	commodity	commodity	NOUN
easat-1666	77	51	(	(	PUNCT
easat-1666	77	52	hani	hani	PROPN
easat-1666	77	53	ahmed	ahmed	PROPN
easat-1666	77	54	,	,	PUNCT
easat-1666	77	55	2015	2015	NUM
easat-1666	77	56	:	:	PUNCT
easat-1666	77	57	18	18	NUM
easat-1666	77	58	)	)	PUNCT
easat-1666	77	59	.	.	PUNCT
easat-1666	78	1	between	between	ADP
easat-1666	78	2	profits	profit	NOUN
easat-1666	78	3	and	and	CCONJ
easat-1666	78	4	investments	investment	NOUN
easat-1666	78	5	that	that	PRON
easat-1666	78	6	contribute	contribute	VERB
easat-1666	78	7	to	to	ADP
easat-1666	78	8	achieving	achieve	VERB
easat-1666	78	9	profits	profit	NOUN
easat-1666	78	10	,	,	PUNCT
easat-1666	78	11	this	this	DET
easat-1666	78	12	ratio	ratio	NOUN
easat-1666	78	13	aims	aim	VERB
easat-1666	78	14	to	to	PART
easat-1666	78	15	measure	measure	VERB
easat-1666	78	16	the	the	DET
easat-1666	78	17	management	management	NOUN
easat-1666	78	18	's	's	PART
easat-1666	78	19	ability	ability	NOUN
easat-1666	78	20	to	to	PART
easat-1666	78	21	achieve	achieve	VERB
easat-1666	78	22	profits	profit	NOUN
easat-1666	78	23	416	416	NUM
easat-1666	78	24	edelweiss	edelweiss	PROPN
easat-1666	78	25	applied	apply	VERB
easat-1666	78	26	science	science	NOUN
easat-1666	78	27	and	and	CCONJ
easat-1666	78	28	technology	technology	NOUN
easat-1666	78	29	issn	issn	PROPN
easat-1666	78	30	:	:	PUNCT
easat-1666	78	31	2576	2576	NUM
easat-1666	78	32	-	-	SYM
easat-1666	78	33	8484	8484	NUM
easat-1666	78	34	vol	vol	NOUN
easat-1666	78	35	.	.	PROPN
easat-1666	79	1	8	8	NUM
easat-1666	79	2	,	,	PUNCT
easat-1666	79	3	no	no	INTJ
easat-1666	79	4	.	.	NOUN
easat-1666	80	1	3	3	NUM
easat-1666	80	2	:	:	PUNCT
easat-1666	80	3	412	412	NUM
easat-1666	80	4	-	-	SYM
easat-1666	80	5	422	422	NUM
easat-1666	80	6	,	,	PUNCT
easat-1666	80	7	2024	2024	NUM
easat-1666	80	8	doi	doi	NOUN
easat-1666	80	9	:	:	PUNCT
easat-1666	80	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	80	11	©	©	PROPN
easat-1666	80	12	2024	2024	NUM
easat-1666	80	13	by	by	ADP
easat-1666	80	14	the	the	DET
easat-1666	80	15	authors	author	NOUN
easat-1666	80	16	;	;	PUNCT
easat-1666	80	17	licensee	licensee	PROPN
easat-1666	80	18	learning	learning	NOUN
easat-1666	80	19	gate	gate	NOUN
easat-1666	80	20	and	and	CCONJ
easat-1666	80	21	its	its	PRON
easat-1666	80	22	efficiency	efficiency	NOUN
easat-1666	80	23	in	in	ADP
easat-1666	80	24	achieving	achieve	VERB
easat-1666	80	25	net	net	ADJ
easat-1666	80	26	profits	profit	NOUN
easat-1666	80	27	,	,	PUNCT
easat-1666	80	28	and	and	CCONJ
easat-1666	80	29	profitability	profitability	NOUN
easat-1666	80	30	is	be	AUX
easat-1666	80	31	considered	consider	VERB
easat-1666	80	32	one	one	NUM
easat-1666	80	33	of	of	ADP
easat-1666	80	34	the	the	DET
easat-1666	80	35	most	most	ADV
easat-1666	80	36	reliable	reliable	ADJ
easat-1666	80	37	ratios	ratio	NOUN
easat-1666	80	38	in	in	ADP
easat-1666	80	39	determining	determine	VERB
easat-1666	80	40	the	the	DET
easat-1666	80	41	institution	institution	NOUN
easat-1666	80	42	's	's	PART
easat-1666	80	43	ability	ability	NOUN
easat-1666	80	44	to	to	PART
easat-1666	80	45	achieve	achieve	VERB
easat-1666	80	46	profit	profit	NOUN
easat-1666	80	47	,	,	PUNCT
easat-1666	80	48	because	because	SCONJ
easat-1666	80	49	it	it	PRON
easat-1666	80	50	is	be	AUX
easat-1666	80	51	one	one	NUM
easat-1666	80	52	of	of	ADP
easat-1666	80	53	the	the	DET
easat-1666	80	54	most	most	ADV
easat-1666	80	55	reliable	reliable	ADJ
easat-1666	80	56	ratios	ratio	NOUN
easat-1666	80	57	,	,	PUNCT
easat-1666	80	58	and	and	CCONJ
easat-1666	80	59	it	it	PRON
easat-1666	80	60	is	be	AUX
easat-1666	80	61	one	one	NUM
easat-1666	80	62	of	of	ADP
easat-1666	80	63	the	the	DET
easat-1666	80	64	main	main	ADJ
easat-1666	80	65	indicators	indicator	NOUN
easat-1666	80	66	used	use	VERB
easat-1666	80	67	by	by	ADP
easat-1666	80	68	current	current	ADJ
easat-1666	80	69	and	and	CCONJ
easat-1666	80	70	potential	potential	ADJ
easat-1666	80	71	investors	investor	NOUN
easat-1666	80	72	and	and	CCONJ
easat-1666	80	73	potential	potential	ADJ
easat-1666	80	74	investors	investor	NOUN
easat-1666	80	75	to	to	PART
easat-1666	80	76	determine	determine	VERB
easat-1666	80	77	the	the	DET
easat-1666	80	78	direction	direction	NOUN
easat-1666	80	79	of	of	ADP
easat-1666	80	80	their	their	PRON
easat-1666	80	81	investments	investment	NOUN
easat-1666	80	82	,	,	PUNCT
easat-1666	80	83	and	and	CCONJ
easat-1666	80	84	therefore	therefore	ADV
easat-1666	80	85	profitability	profitability	NOUN
easat-1666	80	86	is	be	AUX
easat-1666	80	87	a	a	DET
easat-1666	80	88	clear	clear	ADJ
easat-1666	80	89	indicator	indicator	NOUN
easat-1666	80	90	in	in	ADP
easat-1666	80	91	the	the	DET
easat-1666	80	92	market	market	NOUN
easat-1666	80	93	as	as	SCONJ
easat-1666	80	94	it	it	PRON
easat-1666	80	95	reflects	reflect	VERB
easat-1666	80	96	the	the	DET
easat-1666	80	97	bank	bank	NOUN
easat-1666	80	98	's	's	PART
easat-1666	80	99	competitive	competitive	ADJ
easat-1666	80	100	position	position	NOUN
easat-1666	80	101	and	and	CCONJ
easat-1666	80	102	the	the	DET
easat-1666	80	103	quality	quality	NOUN
easat-1666	80	104	of	of	ADP
easat-1666	80	105	its	its	PRON
easat-1666	80	106	management	management	NOUN
easat-1666	80	107	(	(	PUNCT
easat-1666	80	108	2022:70	2022:70	NUM
easat-1666	80	109	,	,	PUNCT
easat-1666	80	110	mohammad	mohammad	PROPN
easat-1666	80	111	)	)	PUNCT
easat-1666	80	112	.	.	PUNCT
easat-1666	81	1	the	the	DET
easat-1666	81	2	importance	importance	NOUN
easat-1666	81	3	of	of	ADP
easat-1666	81	4	profitability	profitability	NOUN
easat-1666	81	5	is	be	AUX
easat-1666	81	6	evident	evident	ADJ
easat-1666	81	7	from	from	ADP
easat-1666	81	8	the	the	DET
easat-1666	81	9	following	follow	VERB
easat-1666	81	10	factors	factor	NOUN
easat-1666	81	11	(	(	PUNCT
easat-1666	81	12	buthaina	buthaina	ADJ
easat-1666	81	13	,	,	PUNCT
easat-1666	81	14	2021	2021	NUM
easat-1666	81	15	:	:	PUNCT
easat-1666	81	16	29,28	29,28	NUM
easat-1666	81	17	)	)	PUNCT
easat-1666	81	18	.	.	PUNCT
easat-1666	82	1	aprofit	aprofit	NOUN
easat-1666	82	2	is	be	AUX
easat-1666	82	3	necessary	necessary	ADJ
easat-1666	82	4	for	for	ADP
easat-1666	82	5	bank	bank	NOUN
easat-1666	82	6	and	and	CCONJ
easat-1666	82	7	institution	institution	NOUN
easat-1666	82	8	owners	owner	NOUN
easat-1666	82	9	,	,	PUNCT
easat-1666	82	10	as	as	SCONJ
easat-1666	82	11	it	it	PRON
easat-1666	82	12	plays	play	VERB
easat-1666	82	13	a	a	DET
easat-1666	82	14	role	role	NOUN
easat-1666	82	15	in	in	ADP
easat-1666	82	16	increasing	increase	VERB
easat-1666	82	17	investment	investment	NOUN
easat-1666	82	18	and	and	CCONJ
easat-1666	82	19	wealth	wealth	NOUN
easat-1666	82	20	.	.	PUNCT
easat-1666	83	1	bprofits	bprofit	NOUN
easat-1666	83	2	are	be	AUX
easat-1666	83	3	necessary	necessary	ADJ
easat-1666	83	4	to	to	PART
easat-1666	83	5	obtain	obtain	VERB
easat-1666	83	6	the	the	DET
easat-1666	83	7	capital	capital	NOUN
easat-1666	83	8	needed	need	VERB
easat-1666	83	9	for	for	ADP
easat-1666	83	10	the	the	DET
easat-1666	83	11	future	future	NOUN
easat-1666	83	12	,	,	PUNCT
easat-1666	83	13	and	and	CCONJ
easat-1666	83	14	this	this	PRON
easat-1666	83	15	can	can	AUX
easat-1666	83	16	be	be	AUX
easat-1666	83	17	achieved	achieve	VERB
easat-1666	83	18	in	in	ADP
easat-1666	83	19	the	the	DET
easat-1666	83	20	following	following	ADJ
easat-1666	83	21	ways	way	NOUN
easat-1666	83	22	:	:	PUNCT
easat-1666	83	23	•	•	NOUN
easat-1666	83	24	encouraging	encourage	VERB
easat-1666	83	25	capital	capital	NOUN
easat-1666	83	26	owners	owner	NOUN
easat-1666	83	27	to	to	PART
easat-1666	83	28	subscribe	subscribe	VERB
easat-1666	83	29	when	when	SCONJ
easat-1666	83	30	recapitalizing	recapitalize	VERB
easat-1666	83	31	banks	bank	NOUN
easat-1666	83	32	.	.	PUNCT
easat-1666	84	1	•	•	NUM
easat-1666	84	2	continuous	continuous	ADJ
easat-1666	84	3	reinvestment	reinvestment	NOUN
easat-1666	84	4	of	of	ADP
easat-1666	84	5	profits	profit	NOUN
easat-1666	84	6	is	be	AUX
easat-1666	84	7	one	one	NUM
easat-1666	84	8	of	of	ADP
easat-1666	84	9	the	the	DET
easat-1666	84	10	means	mean	NOUN
easat-1666	84	11	of	of	ADP
easat-1666	84	12	self	self	NOUN
easat-1666	84	13	-	-	PUNCT
easat-1666	84	14	financing	financing	NOUN
easat-1666	84	15	.	.	PUNCT
easat-1666	85	1	•	•	NOUN
easat-1666	85	2	increases	increase	VERB
easat-1666	85	3	shareholders	shareholder	NOUN
easat-1666	85	4	'	'	PART
easat-1666	85	5	confidence	confidence	NOUN
easat-1666	85	6	in	in	ADP
easat-1666	85	7	the	the	DET
easat-1666	85	8	bank	bank	NOUN
easat-1666	85	9	by	by	ADP
easat-1666	85	10	generating	generate	VERB
easat-1666	85	11	a	a	DET
easat-1666	85	12	return	return	NOUN
easat-1666	85	13	on	on	ADP
easat-1666	85	14	capital	capital	NOUN
easat-1666	85	15	acceptable	acceptable	ADJ
easat-1666	85	16	to	to	ADP
easat-1666	85	17	shareholders	shareholder	NOUN
easat-1666	85	18	tdividends	tdividend	NOUN
easat-1666	85	19	are	be	AUX
easat-1666	85	20	necessary	necessary	ADJ
easat-1666	85	21	to	to	PART
easat-1666	85	22	compensate	compensate	VERB
easat-1666	85	23	for	for	ADP
easat-1666	85	24	the	the	DET
easat-1666	85	25	various	various	ADJ
easat-1666	85	26	risks	risk	NOUN
easat-1666	85	27	that	that	PRON
easat-1666	85	28	banks	bank	NOUN
easat-1666	85	29	are	be	AUX
easat-1666	85	30	exposed	expose	VERB
easat-1666	85	31	to	to	ADP
easat-1666	85	32	and	and	CCONJ
easat-1666	85	33	reduce	reduce	VERB
easat-1666	85	34	the	the	DET
easat-1666	85	35	risk	risk	NOUN
easat-1666	85	36	of	of	ADP
easat-1666	85	37	losses	loss	NOUN
easat-1666	85	38	.	.	PUNCT
easat-1666	86	1	there	there	PRON
easat-1666	86	2	are	be	VERB
easat-1666	86	3	different	different	ADJ
easat-1666	86	4	types	type	NOUN
easat-1666	86	5	of	of	ADP
easat-1666	86	6	risks	risk	NOUN
easat-1666	86	7	:	:	PUNCT
easat-1666	86	8	credit	credit	NOUN
easat-1666	86	9	risks	risk	NOUN
easat-1666	86	10	,	,	PUNCT
easat-1666	86	11	theft	theft	NOUN
easat-1666	86	12	,	,	PUNCT
easat-1666	86	13	fraud	fraud	NOUN
easat-1666	86	14	,	,	PUNCT
easat-1666	86	15	as	as	ADV
easat-1666	86	16	well	well	ADV
easat-1666	86	17	as	as	ADP
easat-1666	86	18	interest	interest	NOUN
easat-1666	86	19	,	,	PUNCT
easat-1666	86	20	etc	etc	X
easat-1666	86	21	.	.	X
easat-1666	86	22	dprofits	dprofit	NOUN
easat-1666	86	23	are	be	AUX
easat-1666	86	24	necessary	necessary	ADJ
easat-1666	86	25	to	to	PART
easat-1666	86	26	evaluate	evaluate	VERB
easat-1666	86	27	the	the	DET
easat-1666	86	28	efforts	effort	NOUN
easat-1666	86	29	made	make	VERB
easat-1666	86	30	in	in	ADP
easat-1666	86	31	general	general	ADJ
easat-1666	86	32	,	,	PUNCT
easat-1666	86	33	as	as	SCONJ
easat-1666	86	34	they	they	PRON
easat-1666	86	35	provide	provide	VERB
easat-1666	86	36	a	a	DET
easat-1666	86	37	benchmark	benchmark	NOUN
easat-1666	86	38	for	for	ADP
easat-1666	86	39	the	the	DET
easat-1666	86	40	performance	performance	NOUN
easat-1666	86	41	of	of	ADP
easat-1666	86	42	the	the	DET
easat-1666	86	43	management	management	NOUN
easat-1666	86	44	team	team	NOUN
easat-1666	86	45	.	.	PUNCT
easat-1666	87	1	profit	profit	NOUN
easat-1666	87	2	maximization	maximization	NOUN
easat-1666	87	3	methods	method	NOUN
easat-1666	87	4	:	:	PUNCT
easat-1666	87	5	1	1	NUM
easat-1666	87	6	̶	̶	NOUN
easat-1666	87	7	raising	raise	VERB
easat-1666	87	8	the	the	DET
easat-1666	87	9	prices	price	NOUN
easat-1666	87	10	of	of	ADP
easat-1666	87	11	some	some	DET
easat-1666	87	12	banking	banking	NOUN
easat-1666	87	13	services	service	NOUN
easat-1666	87	14	that	that	PRON
easat-1666	87	15	the	the	DET
easat-1666	87	16	banking	banking	NOUN
easat-1666	87	17	law	law	NOUN
easat-1666	87	18	allows	allow	VERB
easat-1666	87	19	to	to	PART
easat-1666	87	20	increase	increase	VERB
easat-1666	87	21	their	their	PRON
easat-1666	87	22	prices	price	NOUN
easat-1666	87	23	.	.	PUNCT
easat-1666	88	1	most	most	ADJ
easat-1666	88	2	fees	fee	NOUN
easat-1666	88	3	and	and	CCONJ
easat-1666	88	4	interest	interest	NOUN
easat-1666	88	5	rates	rate	NOUN
easat-1666	88	6	are	be	AUX
easat-1666	88	7	fixed	fix	VERB
easat-1666	88	8	by	by	ADP
easat-1666	88	9	banks	bank	NOUN
easat-1666	88	10	,	,	PUNCT
easat-1666	88	11	but	but	CCONJ
easat-1666	88	12	new	new	ADJ
easat-1666	88	13	practitioners	practitioner	NOUN
easat-1666	88	14	are	be	AUX
easat-1666	88	15	looking	look	VERB
easat-1666	88	16	for	for	ADP
easat-1666	88	17	ways	way	NOUN
easat-1666	88	18	to	to	PART
easat-1666	88	19	increase	increase	VERB
easat-1666	88	20	fees	fee	NOUN
easat-1666	88	21	and	and	CCONJ
easat-1666	88	22	interest	interest	NOUN
easat-1666	88	23	rates	rate	NOUN
easat-1666	88	24	.	.	PUNCT
easat-1666	89	1	this	this	PRON
easat-1666	89	2	is	be	AUX
easat-1666	89	3	especially	especially	ADV
easat-1666	89	4	the	the	DET
easat-1666	89	5	case	case	NOUN
easat-1666	89	6	for	for	ADP
easat-1666	89	7	interest	interest	NOUN
easat-1666	89	8	rates	rate	NOUN
easat-1666	89	9	,	,	PUNCT
easat-1666	89	10	as	as	SCONJ
easat-1666	89	11	they	they	PRON
easat-1666	89	12	have	have	VERB
easat-1666	89	13	upper	upper	ADJ
easat-1666	89	14	and	and	CCONJ
easat-1666	89	15	lower	low	ADJ
easat-1666	89	16	limits	limit	NOUN
easat-1666	89	17	and	and	CCONJ
easat-1666	89	18	their	their	PRON
easat-1666	89	19	prices	price	NOUN
easat-1666	89	20	depend	depend	VERB
easat-1666	89	21	on	on	ADP
easat-1666	89	22	working	working	NOUN
easat-1666	89	23	conditions	condition	NOUN
easat-1666	89	24	in	in	ADP
easat-1666	89	25	particular	particular	ADJ
easat-1666	89	26	,	,	PUNCT
easat-1666	89	27	because	because	SCONJ
easat-1666	89	28	interest	interest	NOUN
easat-1666	89	29	rates	rate	NOUN
easat-1666	89	30	have	have	VERB
easat-1666	89	31	an	an	DET
easat-1666	89	32	upper	upper	ADJ
easat-1666	89	33	and	and	CCONJ
easat-1666	89	34	lower	low	ADJ
easat-1666	89	35	limit	limit	NOUN
easat-1666	89	36	and	and	CCONJ
easat-1666	89	37	their	their	PRON
easat-1666	89	38	prices	price	NOUN
easat-1666	89	39	depend	depend	VERB
easat-1666	89	40	on	on	ADP
easat-1666	89	41	working	working	NOUN
easat-1666	89	42	conditions	condition	NOUN
easat-1666	89	43	and	and	CCONJ
easat-1666	89	44	working	working	NOUN
easat-1666	89	45	conditions	condition	NOUN
easat-1666	89	46	.	.	PUNCT
easat-1666	90	1	2	2	NUM
easat-1666	90	2	̶	̶	NOUN
easat-1666	90	3	banks	bank	NOUN
easat-1666	90	4	are	be	AUX
easat-1666	90	5	looking	look	VERB
easat-1666	90	6	for	for	ADP
easat-1666	90	7	new	new	ADJ
easat-1666	90	8	opportunities	opportunity	NOUN
easat-1666	90	9	and	and	CCONJ
easat-1666	90	10	services	service	NOUN
easat-1666	90	11	to	to	PART
easat-1666	90	12	provide	provide	VERB
easat-1666	90	13	in	in	ADP
easat-1666	90	14	new	new	ADJ
easat-1666	90	15	and	and	CCONJ
easat-1666	90	16	different	different	ADJ
easat-1666	90	17	sectors	sector	NOUN
easat-1666	90	18	or	or	CCONJ
easat-1666	90	19	new	new	ADJ
easat-1666	90	20	regions	region	NOUN
easat-1666	90	21	or	or	CCONJ
easat-1666	90	22	new	new	ADJ
easat-1666	90	23	customers	customer	NOUN
easat-1666	90	24	or	or	CCONJ
easat-1666	90	25	new	new	ADJ
easat-1666	90	26	services	service	NOUN
easat-1666	90	27	for	for	ADP
easat-1666	90	28	existing	exist	VERB
easat-1666	90	29	customers	customer	NOUN
easat-1666	90	30	.	.	PUNCT
easat-1666	91	1	3	3	NUM
easat-1666	91	2	̶	̶	NOUN
easat-1666	91	3	pressures	pressure	NOUN
easat-1666	91	4	on	on	ADP
easat-1666	91	5	spending	spending	NOUN
easat-1666	91	6	in	in	ADP
easat-1666	91	7	all	all	DET
easat-1666	91	8	sectors	sector	NOUN
easat-1666	91	9	,	,	PUNCT
easat-1666	91	10	especially	especially	ADV
easat-1666	91	11	in	in	ADP
easat-1666	91	12	the	the	DET
easat-1666	91	13	field	field	NOUN
easat-1666	91	14	of	of	ADP
easat-1666	91	15	public	public	ADJ
easat-1666	91	16	spending	spending	NOUN
easat-1666	91	17	.	.	PUNCT
easat-1666	92	1	4	4	NUM
easat-1666	92	2	̶	̶	PROPN
easat-1666	92	3	the	the	DET
easat-1666	92	4	complete	complete	ADJ
easat-1666	92	5	removal	removal	NOUN
easat-1666	92	6	of	of	ADP
easat-1666	92	7	unified	unified	ADJ
easat-1666	92	8	funds	fund	NOUN
easat-1666	92	9	and	and	CCONJ
easat-1666	92	10	assets	asset	NOUN
easat-1666	92	11	has	have	AUX
easat-1666	92	12	created	create	VERB
easat-1666	92	13	liquidity	liquidity	NOUN
easat-1666	92	14	problems	problem	NOUN
easat-1666	92	15	for	for	ADP
easat-1666	92	16	the	the	DET
easat-1666	92	17	bank	bank	NOUN
easat-1666	92	18	.	.	PUNCT
easat-1666	93	1	although	although	SCONJ
easat-1666	93	2	improving	improve	VERB
easat-1666	93	3	profitability	profitability	NOUN
easat-1666	93	4	tends	tend	VERB
easat-1666	93	5	to	to	PART
easat-1666	93	6	focus	focus	VERB
easat-1666	93	7	only	only	ADV
easat-1666	93	8	on	on	ADP
easat-1666	93	9	rationalizing	rationalize	VERB
easat-1666	93	10	spending	spending	NOUN
easat-1666	93	11	,	,	PUNCT
easat-1666	93	12	improving	improve	VERB
easat-1666	93	13	profitability	profitability	NOUN
easat-1666	93	14	can	can	AUX
easat-1666	93	15	be	be	AUX
easat-1666	93	16	achieved	achieve	VERB
easat-1666	93	17	through	through	ADP
easat-1666	93	18	a	a	DET
easat-1666	93	19	number	number	NOUN
easat-1666	93	20	of	of	ADP
easat-1666	93	21	inputs	input	NOUN
easat-1666	93	22	,	,	PUNCT
easat-1666	93	23	including	include	VERB
easat-1666	93	24	increasing	increase	VERB
easat-1666	93	25	new	new	ADJ
easat-1666	93	26	opportunities	opportunity	NOUN
easat-1666	93	27	,	,	PUNCT
easat-1666	93	28	increasing	increase	VERB
easat-1666	93	29	profits	profit	NOUN
easat-1666	93	30	and	and	CCONJ
easat-1666	93	31	contracts	contract	NOUN
easat-1666	93	32	,	,	PUNCT
easat-1666	93	33	and	and	CCONJ
easat-1666	93	34	better	well	ADJ
easat-1666	93	35	use	use	NOUN
easat-1666	93	36	of	of	ADP
easat-1666	93	37	available	available	ADJ
easat-1666	93	38	resources	resource	NOUN
easat-1666	93	39	.	.	PUNCT
easat-1666	94	1	profitability	profitability	NOUN
easat-1666	94	2	indicators	indicator	NOUN
easat-1666	94	3	:	:	PUNCT
easat-1666	94	4	profitability	profitability	NOUN
easat-1666	94	5	indicators	indicator	NOUN
easat-1666	94	6	are	be	AUX
easat-1666	94	7	considered	consider	VERB
easat-1666	94	8	among	among	ADP
easat-1666	94	9	the	the	DET
easat-1666	94	10	most	most	ADV
easat-1666	94	11	important	important	ADJ
easat-1666	94	12	financial	financial	ADJ
easat-1666	94	13	indicators	indicator	NOUN
easat-1666	94	14	,	,	PUNCT
easat-1666	94	15	as	as	SCONJ
easat-1666	94	16	they	they	PRON
easat-1666	94	17	reflect	reflect	VERB
easat-1666	94	18	the	the	DET
easat-1666	94	19	overall	overall	ADJ
easat-1666	94	20	performance	performance	NOUN
easat-1666	94	21	of	of	ADP
easat-1666	94	22	the	the	DET
easat-1666	94	23	bank	bank	NOUN
easat-1666	94	24	and	and	CCONJ
easat-1666	94	25	unlike	unlike	ADP
easat-1666	94	26	other	other	ADJ
easat-1666	94	27	indicators	indicator	NOUN
easat-1666	94	28	,	,	PUNCT
easat-1666	94	29	they	they	PRON
easat-1666	94	30	reveal	reveal	VERB
easat-1666	94	31	the	the	DET
easat-1666	94	32	bank	bank	NOUN
easat-1666	94	33	's	's	PART
easat-1666	94	34	ability	ability	NOUN
easat-1666	94	35	to	to	PART
easat-1666	94	36	achieve	achieve	VERB
easat-1666	94	37	profit	profit	NOUN
easat-1666	94	38	from	from	ADP
easat-1666	94	39	its	its	PRON
easat-1666	94	40	expenses	expense	NOUN
easat-1666	94	41	(	(	PUNCT
easat-1666	94	42	jadoua	jadoua	PROPN
easat-1666	94	43	et	et	PROPN
easat-1666	94	44	al	al	PROPN
easat-1666	94	45	.	.	PROPN
easat-1666	94	46	,	,	PUNCT
easat-1666	94	47	2016	2016	NUM
easat-1666	94	48	:	:	PUNCT
easat-1666	94	49	310	310	NUM
easat-1666	94	50	)	)	PUNCT
easat-1666	94	51	.	.	PUNCT
easat-1666	95	1	first	first	ADV
easat-1666	95	2	:	:	PUNCT
easat-1666	95	3	̶	̶	NOUN
easat-1666	95	4	return	return	NOUN
easat-1666	95	5	on	on	ADP
easat-1666	95	6	assets	asset	NOUN
easat-1666	95	7	:	:	PUNCT
easat-1666	95	8	the	the	DET
easat-1666	95	9	return	return	NOUN
easat-1666	95	10	on	on	ADP
easat-1666	95	11	assets	asset	NOUN
easat-1666	95	12	is	be	AUX
easat-1666	95	13	calculated	calculate	VERB
easat-1666	95	14	by	by	ADP
easat-1666	95	15	dividing	divide	VERB
easat-1666	95	16	the	the	DET
easat-1666	95	17	net	net	ADJ
easat-1666	95	18	profit	profit	NOUN
easat-1666	95	19	after	after	ADP
easat-1666	95	20	tax	tax	NOUN
easat-1666	95	21	by	by	ADP
easat-1666	95	22	the	the	DET
easat-1666	95	23	total	total	ADJ
easat-1666	95	24	assets	asset	NOUN
easat-1666	95	25	,	,	PUNCT
easat-1666	95	26	and	and	CCONJ
easat-1666	95	27	thus	thus	ADV
easat-1666	95	28	we	we	PRON
easat-1666	95	29	obtain	obtain	VERB
easat-1666	95	30	the	the	DET
easat-1666	95	31	return	return	NOUN
easat-1666	95	32	on	on	ADP
easat-1666	95	33	assets	asset	NOUN
easat-1666	95	34	.	.	PUNCT
easat-1666	96	1	the	the	DET
easat-1666	96	2	return	return	NOUN
easat-1666	96	3	on	on	ADP
easat-1666	96	4	assets	asset	NOUN
easat-1666	96	5	is	be	AUX
easat-1666	96	6	measured	measure	VERB
easat-1666	96	7	by	by	ADP
easat-1666	96	8	the	the	DET
easat-1666	96	9	overall	overall	ADJ
easat-1666	96	10	efficiency	efficiency	NOUN
easat-1666	96	11	of	of	ADP
easat-1666	96	12	management	management	NOUN
easat-1666	96	13	in	in	ADP
easat-1666	96	14	generating	generate	VERB
easat-1666	96	15	profit	profit	NOUN
easat-1666	96	16	,	,	PUNCT
easat-1666	96	17	and	and	CCONJ
easat-1666	96	18	profitability	profitability	NOUN
easat-1666	96	19	is	be	AUX
easat-1666	96	20	a	a	DET
easat-1666	96	21	measure	measure	NOUN
easat-1666	96	22	of	of	ADP
easat-1666	96	23	profitability	profitability	NOUN
easat-1666	96	24	per	per	ADP
easat-1666	96	25	dollar	dollar	NOUN
easat-1666	96	26	of	of	ADP
easat-1666	96	27	assets	asset	NOUN
easat-1666	96	28	(	(	PUNCT
easat-1666	96	29	2002	2002	NUM
easat-1666	96	30	)	)	PUNCT
easat-1666	96	31	54	54	NUM
easat-1666	96	32	ross	ross	PROPN
easat-1666	96	33	et	et	PROPN
easat-1666	96	34	al	al	PROPN
easat-1666	96	35	..	..	PROPN
easat-1666	96	36	̦	̦	NOUN
easat-1666	96	37	)	)	PUNCT
easat-1666	96	38	.	.	PUNCT
easat-1666	97	1	the	the	DET
easat-1666	97	2	following	follow	VERB
easat-1666	97	3	is	be	AUX
easat-1666	97	4	the	the	DET
easat-1666	97	5	equation	equation	NOUN
easat-1666	97	6	for	for	ADP
easat-1666	97	7	calculating	calculate	VERB
easat-1666	97	8	the	the	DET
easat-1666	97	9	return	return	NOUN
easat-1666	97	10	on	on	ADP
easat-1666	97	11	assets	asset	NOUN
easat-1666	97	12	rate	rate	NOUN
easat-1666	97	13	(	(	PUNCT
easat-1666	97	14	reilly	reilly	PROPN
easat-1666	97	15	&	&	CCONJ
easat-1666	97	16	brown	brown	ADJ
easat-1666	97	17	̦	̦	NOUN
easat-1666	97	18	2012꞉	2012꞉	NOUN
easat-1666	97	19	276	276	NUM
easat-1666	97	20	)	)	PUNCT
easat-1666	97	21	.	.	PUNCT
easat-1666	98	1	net	net	ADJ
easat-1666	98	2	profit	profit	NOUN
easat-1666	98	3	after	after	ADP
easat-1666	98	4	tax	tax	NOUN
easat-1666	98	5	÷	÷	PUNCT
easat-1666	98	6	total	total	ADJ
easat-1666	98	7	assets	asset	NOUN
easat-1666	98	8	=	=	SYM
easat-1666	98	9	return	return	VERB
easat-1666	98	10	on	on	ADP
easat-1666	98	11	assets	asset	NOUN
easat-1666	98	12	rate	rate	NOUN
easat-1666	98	13	return	return	NOUN
easat-1666	98	14	on	on	ADP
easat-1666	98	15	assets	asset	NOUN
easat-1666	98	16	is	be	AUX
easat-1666	98	17	considered	consider	VERB
easat-1666	98	18	one	one	NUM
easat-1666	98	19	of	of	ADP
easat-1666	98	20	the	the	DET
easat-1666	98	21	most	most	ADV
easat-1666	98	22	important	important	ADJ
easat-1666	98	23	indicators	indicator	NOUN
easat-1666	98	24	of	of	ADP
easat-1666	98	25	credit	credit	NOUN
easat-1666	98	26	scores	score	NOUN
easat-1666	98	27	and	and	CCONJ
easat-1666	98	28	one	one	NUM
easat-1666	98	29	of	of	ADP
easat-1666	98	30	the	the	DET
easat-1666	98	31	most	most	ADV
easat-1666	98	32	important	important	ADJ
easat-1666	98	33	financial	financial	ADJ
easat-1666	98	34	indicators	indicator	NOUN
easat-1666	98	35	that	that	PRON
easat-1666	98	36	measure	measure	VERB
easat-1666	98	37	management	management	NOUN
easat-1666	98	38	efficiency	efficiency	NOUN
easat-1666	98	39	through	through	ADP
easat-1666	98	40	the	the	DET
easat-1666	98	41	exploitation	exploitation	NOUN
easat-1666	98	42	of	of	ADP
easat-1666	98	43	assets	asset	NOUN
easat-1666	98	44	in	in	ADP
easat-1666	98	45	its	its	PRON
easat-1666	98	46	activities	activity	NOUN
easat-1666	98	47	.	.	PUNCT
easat-1666	99	1	the	the	PRON
easat-1666	99	2	higher	high	ADJ
easat-1666	99	3	it	it	PRON
easat-1666	99	4	is	be	AUX
easat-1666	99	5	,	,	PUNCT
easat-1666	99	6	the	the	PRON
easat-1666	99	7	more	more	ADV
easat-1666	99	8	efficient	efficient	ADJ
easat-1666	99	9	the	the	DET
easat-1666	99	10	facility	facility	NOUN
easat-1666	99	11	is	be	AUX
easat-1666	99	12	.	.	PUNCT
easat-1666	100	1	this	this	DET
easat-1666	100	2	indicator	indicator	NOUN
easat-1666	100	3	is	be	AUX
easat-1666	100	4	presented	present	VERB
easat-1666	100	5	in	in	ADP
easat-1666	100	6	the	the	DET
easat-1666	100	7	form	form	NOUN
easat-1666	100	8	of	of	ADP
easat-1666	100	9	a	a	DET
easat-1666	100	10	financial	financial	ADJ
easat-1666	100	11	ratio	ratio	NOUN
easat-1666	100	12	(	(	PUNCT
easat-1666	100	13	al	al	PROPN
easat-1666	100	14	-	-	PUNCT
easat-1666	100	15	taie	taie	PROPN
easat-1666	100	16	et	et	PROPN
easat-1666	100	17	al	al	PROPN
easat-1666	100	18	.	.	PROPN
easat-1666	100	19	,	,	PUNCT
easat-1666	100	20	2022	2022	NUM
easat-1666	100	21	:	:	PUNCT
easat-1666	100	22	296	296	NUM
easat-1666	100	23	)	)	PUNCT
easat-1666	100	24	.	.	PUNCT
easat-1666	101	1	the	the	DET
easat-1666	101	2	return	return	NOUN
easat-1666	101	3	on	on	ADP
easat-1666	101	4	assets	asset	NOUN
easat-1666	101	5	also	also	ADV
easat-1666	101	6	determines	determine	VERB
easat-1666	101	7	the	the	DET
easat-1666	101	8	profitability	profitability	NOUN
easat-1666	101	9	of	of	ADP
easat-1666	101	10	the	the	DET
easat-1666	101	11	bank	bank	NOUN
easat-1666	101	12	’s	’s	PART
easat-1666	101	13	investments	investment	NOUN
easat-1666	101	14	(	(	PUNCT
easat-1666	101	15	long	long	ADJ
easat-1666	101	16	and	and	CCONJ
easat-1666	101	17	short	short	ADJ
easat-1666	101	18	-	-	PUNCT
easat-1666	101	19	term	term	NOUN
easat-1666	101	20	)	)	PUNCT
easat-1666	101	21	.	.	PUNCT
easat-1666	102	1	if	if	SCONJ
easat-1666	102	2	this	this	DET
easat-1666	102	3	indicator	indicator	NOUN
easat-1666	102	4	decreases	decrease	VERB
easat-1666	102	5	,	,	PUNCT
easat-1666	102	6	this	this	PRON
easat-1666	102	7	means	mean	VERB
easat-1666	102	8	a	a	DET
easat-1666	102	9	decrease	decrease	NOUN
easat-1666	102	10	or	or	CCONJ
easat-1666	102	11	weakness	weakness	NOUN
easat-1666	102	12	in	in	ADP
easat-1666	102	13	the	the	DET
easat-1666	102	14	production	production	NOUN
easat-1666	102	15	of	of	ADP
easat-1666	102	16	the	the	DET
easat-1666	102	17	bank	bank	NOUN
easat-1666	102	18	’s	’s	PART
easat-1666	102	19	investments	investment	NOUN
easat-1666	102	20	and	and	CCONJ
easat-1666	102	21	thus	thus	ADV
easat-1666	102	22	weak	weak	ADJ
easat-1666	102	23	operational	operational	ADJ
easat-1666	102	24	and	and	CCONJ
easat-1666	102	25	investment	investment	NOUN
easat-1666	102	26	efficiency	efficiency	NOUN
easat-1666	102	27	(	(	PUNCT
easat-1666	102	28	abbas	abbas	PROPN
easat-1666	102	29	,	,	PUNCT
easat-1666	102	30	2018	2018	NUM
easat-1666	102	31	꞉	꞉	NOUN
easat-1666	102	32	127	127	NUM
easat-1666	102	33	)	)	PUNCT
easat-1666	102	34	.	.	PUNCT
easat-1666	103	1	second	second	ADV
easat-1666	103	2	:	:	PUNCT
easat-1666	103	3	̶	̶	NOUN
easat-1666	103	4	return	return	NOUN
easat-1666	103	5	on	on	ADP
easat-1666	103	6	equity	equity	NOUN
easat-1666	103	7	:	:	PUNCT
easat-1666	103	8	net	net	ADJ
easat-1666	103	9	profit	profit	NOUN
easat-1666	103	10	divided	divide	VERB
easat-1666	103	11	by	by	ADP
easat-1666	103	12	equity	equity	NOUN
easat-1666	103	13	capital	capital	NOUN
easat-1666	103	14	return	return	NOUN
easat-1666	103	15	on	on	ADP
easat-1666	103	16	equity	equity	NOUN
easat-1666	103	17	is	be	AUX
easat-1666	103	18	the	the	DET
easat-1666	103	19	return	return	NOUN
easat-1666	103	20	on	on	ADP
easat-1666	103	21	investment	investment	NOUN
easat-1666	103	22	on	on	ADP
easat-1666	103	23	the	the	DET
easat-1666	103	24	owner	owner	NOUN
easat-1666	103	25	's	's	PART
easat-1666	103	26	money	money	NOUN
easat-1666	103	27	,	,	PUNCT
easat-1666	103	28	and	and	CCONJ
easat-1666	103	29	the	the	PRON
easat-1666	103	30	higher	high	ADJ
easat-1666	103	31	this	this	DET
easat-1666	103	32	return	return	NOUN
easat-1666	103	33	,	,	PUNCT
easat-1666	103	34	the	the	PRON
easat-1666	103	35	higher	high	ADJ
easat-1666	103	36	the	the	DET
easat-1666	103	37	rate	rate	NOUN
easat-1666	103	38	417	417	NUM
easat-1666	103	39	edelweiss	edelweiss	PROPN
easat-1666	103	40	applied	apply	VERB
easat-1666	103	41	science	science	NOUN
easat-1666	103	42	and	and	CCONJ
easat-1666	103	43	technology	technology	NOUN
easat-1666	103	44	issn	issn	PROPN
easat-1666	103	45	:	:	PUNCT
easat-1666	103	46	2576	2576	NUM
easat-1666	103	47	-	-	SYM
easat-1666	103	48	8484	8484	NUM
easat-1666	103	49	vol	vol	NOUN
easat-1666	103	50	.	.	PROPN
easat-1666	103	51	8	8	NUM
easat-1666	103	52	,	,	PUNCT
easat-1666	103	53	no	no	INTJ
easat-1666	103	54	.	.	NOUN
easat-1666	104	1	3	3	NUM
easat-1666	104	2	:	:	PUNCT
easat-1666	104	3	412	412	NUM
easat-1666	104	4	-	-	SYM
easat-1666	104	5	422	422	NUM
easat-1666	104	6	,	,	PUNCT
easat-1666	104	7	2024	2024	NUM
easat-1666	104	8	doi	doi	NOUN
easat-1666	104	9	:	:	PUNCT
easat-1666	104	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	104	11	©	©	PROPN
easat-1666	104	12	2024	2024	NUM
easat-1666	104	13	by	by	ADP
easat-1666	104	14	the	the	DET
easat-1666	104	15	authors	author	NOUN
easat-1666	104	16	;	;	PUNCT
easat-1666	104	17	licensee	licensee	PROPN
easat-1666	104	18	learning	learn	VERB
easat-1666	104	19	gate	gate	NOUN
easat-1666	104	20	of	of	ADP
easat-1666	104	21	return	return	NOUN
easat-1666	104	22	(	(	PUNCT
easat-1666	104	23	titeman	titeman	NOUN
easat-1666	104	24	et	et	PROPN
easat-1666	104	25	al.̦	al.̦	PROPN
easat-1666	104	26	2011	2011	NUM
easat-1666	104	27	꞉	꞉	NOUN
easat-1666	104	28	150	150	NUM
easat-1666	104	29	)	)	PUNCT
easat-1666	104	30	the	the	PRON
easat-1666	104	31	higher	high	ADJ
easat-1666	104	32	the	the	DET
easat-1666	104	33	rate	rate	NOUN
easat-1666	104	34	,	,	PUNCT
easat-1666	104	35	the	the	PRON
easat-1666	104	36	better	well	ADJ
easat-1666	104	37	the	the	DET
easat-1666	104	38	management	management	NOUN
easat-1666	104	39	's	's	PART
easat-1666	104	40	performance	performance	NOUN
easat-1666	104	41	.	.	PUNCT
easat-1666	105	1	equity	equity	NOUN
easat-1666	105	2	capital	capital	NOUN
easat-1666	105	3	is	be	AUX
easat-1666	105	4	determined	determine	VERB
easat-1666	105	5	by	by	ADP
easat-1666	105	6	the	the	DET
easat-1666	105	7	following	follow	VERB
easat-1666	105	8	equation	equation	NOUN
easat-1666	105	9	equity	equity	NOUN
easat-1666	105	10	÷	÷	PUNCT
easat-1666	105	11	return	return	VERB
easat-1666	105	12	on	on	ADP
easat-1666	105	13	equity	equity	NOUN
easat-1666	105	14	=	=	SYM
easat-1666	105	15	net	net	ADJ
easat-1666	105	16	profit	profit	NOUN
easat-1666	105	17	this	this	DET
easat-1666	105	18	ratio	ratio	NOUN
easat-1666	105	19	is	be	AUX
easat-1666	105	20	also	also	ADV
easat-1666	105	21	known	know	VERB
easat-1666	105	22	as	as	ADP
easat-1666	105	23	the	the	DET
easat-1666	105	24	return	return	NOUN
easat-1666	105	25	on	on	ADP
easat-1666	105	26	net	net	ADJ
easat-1666	105	27	worth	worth	NOUN
easat-1666	105	28	(	(	PUNCT
easat-1666	105	29	ronw	ronw	NOUN
easat-1666	105	30	)	)	PUNCT
easat-1666	105	31	this	this	DET
easat-1666	105	32	ratio	ratio	NOUN
easat-1666	105	33	measures	measure	VERB
easat-1666	105	34	the	the	DET
easat-1666	105	35	amount	amount	NOUN
easat-1666	105	36	of	of	ADP
easat-1666	105	37	profit	profit	NOUN
easat-1666	105	38	from	from	ADP
easat-1666	105	39	shareholders	shareholder	NOUN
easat-1666	105	40	'	'	PART
easat-1666	105	41	equity	equity	NOUN
easat-1666	105	42	as	as	ADP
easat-1666	105	43	a	a	DET
easat-1666	105	44	percentage	percentage	NOUN
easat-1666	105	45	and	and	CCONJ
easat-1666	105	46	represents	represent	VERB
easat-1666	105	47	the	the	DET
easat-1666	105	48	return	return	NOUN
easat-1666	105	49	that	that	PRON
easat-1666	105	50	investors	investor	NOUN
easat-1666	105	51	get	get	VERB
easat-1666	105	52	on	on	ADP
easat-1666	105	53	investing	invest	VERB
easat-1666	105	54	their	their	PRON
easat-1666	105	55	money	money	NOUN
easat-1666	105	56	as	as	ADP
easat-1666	105	57	a	a	DET
easat-1666	105	58	return	return	NOUN
easat-1666	105	59	on	on	ADP
easat-1666	105	60	the	the	DET
easat-1666	105	61	risk	risk	NOUN
easat-1666	105	62	of	of	ADP
easat-1666	105	63	investing	invest	VERB
easat-1666	105	64	their	their	PRON
easat-1666	105	65	money	money	NOUN
easat-1666	105	66	.	.	PUNCT
easat-1666	106	1	this	this	DET
easat-1666	106	2	ratio	ratio	NOUN
easat-1666	106	3	indicates	indicate	VERB
easat-1666	106	4	the	the	DET
easat-1666	106	5	extent	extent	NOUN
easat-1666	106	6	of	of	ADP
easat-1666	106	7	management	management	NOUN
easat-1666	106	8	's	's	PART
easat-1666	106	9	efficiency	efficiency	NOUN
easat-1666	106	10	in	in	ADP
easat-1666	106	11	using	use	VERB
easat-1666	106	12	shareholders	shareholder	NOUN
easat-1666	106	13	'	'	PART
easat-1666	106	14	money	money	NOUN
easat-1666	106	15	.	.	PUNCT
easat-1666	107	1	several	several	ADJ
easat-1666	107	2	formulas	formula	NOUN
easat-1666	107	3	are	be	AUX
easat-1666	107	4	used	use	VERB
easat-1666	107	5	by	by	ADP
easat-1666	107	6	investors	investor	NOUN
easat-1666	107	7	,	,	PUNCT
easat-1666	107	8	including	include	VERB
easat-1666	107	9	the	the	DET
easat-1666	107	10	following	follow	VERB
easat-1666	107	11	1	1	NUM
easat-1666	107	12	̶	̶	NOUN
easat-1666	107	13	return	return	NOUN
easat-1666	107	14	on	on	ADP
easat-1666	107	15	average	average	ADJ
easat-1666	107	16	common	common	ADJ
easat-1666	107	17	equity	equity	NOUN
easat-1666	107	18	(	(	PUNCT
easat-1666	107	19	roac	roac	NOUN
easat-1666	107	20	)	)	PUNCT
easat-1666	107	21	return	return	NOUN
easat-1666	107	22	on	on	ADP
easat-1666	107	23	average	average	ADJ
easat-1666	107	24	common	common	ADJ
easat-1666	107	25	equity	equity	NOUN
easat-1666	107	26	:	:	PUNCT
easat-1666	107	27	it	it	PRON
easat-1666	107	28	is	be	AUX
easat-1666	107	29	shareholders	shareholder	NOUN
easat-1666	107	30	'	'	PART
easat-1666	107	31	equity	equity	NOUN
easat-1666	107	32	divided	divide	VERB
easat-1666	107	33	by	by	ADP
easat-1666	107	34	common	common	ADJ
easat-1666	107	35	stock	stock	NOUN
easat-1666	107	36	at	at	ADP
easat-1666	107	37	the	the	DET
easat-1666	107	38	beginning	beginning	NOUN
easat-1666	107	39	and	and	CCONJ
easat-1666	107	40	end	end	NOUN
easat-1666	107	41	of	of	ADP
easat-1666	107	42	the	the	DET
easat-1666	107	43	period	period	NOUN
easat-1666	107	44	.	.	PUNCT
easat-1666	108	1	shareholders	shareholder	NOUN
easat-1666	108	2	'	'	PART
easat-1666	108	3	equity	equity	NOUN
easat-1666	108	4	in	in	ADP
easat-1666	108	5	common	common	ADJ
easat-1666	108	6	stock	stock	NOUN
easat-1666	108	7	at	at	ADP
easat-1666	108	8	the	the	DET
easat-1666	108	9	beginning	beginning	NOUN
easat-1666	108	10	and	and	CCONJ
easat-1666	108	11	end	end	NOUN
easat-1666	108	12	of	of	ADP
easat-1666	108	13	the	the	DET
easat-1666	108	14	period	period	NOUN
easat-1666	108	15	is	be	AUX
easat-1666	108	16	particularly	particularly	ADV
easat-1666	108	17	important	important	ADJ
easat-1666	108	18	,	,	PUNCT
easat-1666	108	19	and	and	CCONJ
easat-1666	108	20	the	the	DET
easat-1666	108	21	duration	duration	NOUN
easat-1666	108	22	of	of	ADP
easat-1666	108	23	shareholders	shareholder	NOUN
easat-1666	108	24	'	'	PART
easat-1666	108	25	equity	equity	NOUN
easat-1666	108	26	always	always	ADV
easat-1666	108	27	changes	change	VERB
easat-1666	108	28	significantly	significantly	ADV
easat-1666	108	29	throughout	throughout	ADP
easat-1666	108	30	the	the	DET
easat-1666	108	31	fiscal	fiscal	ADJ
easat-1666	108	32	year	year	NOUN
easat-1666	108	33	.	.	PUNCT
easat-1666	109	1	2	2	NUM
easat-1666	109	2	̶	̶	NOUN
easat-1666	109	3	investors	investor	NOUN
easat-1666	109	4	use	use	VERB
easat-1666	109	5	shareholders	shareholder	NOUN
easat-1666	109	6	'	'	PART
easat-1666	109	7	equity	equity	NOUN
easat-1666	109	8	at	at	ADP
easat-1666	109	9	the	the	DET
easat-1666	109	10	beginning	beginning	NOUN
easat-1666	109	11	of	of	ADP
easat-1666	109	12	the	the	DET
easat-1666	109	13	period	period	NOUN
easat-1666	109	14	to	to	PART
easat-1666	109	15	determine	determine	VERB
easat-1666	109	16	return	return	NOUN
easat-1666	109	17	on	on	ADP
easat-1666	109	18	shareholders	shareholder	NOUN
easat-1666	109	19	'	'	PART
easat-1666	109	20	equity	equity	NOUN
easat-1666	109	21	investors	investor	NOUN
easat-1666	109	22	can	can	AUX
easat-1666	109	23	use	use	VERB
easat-1666	109	24	shareholders	shareholder	NOUN
easat-1666	109	25	'	'	PART
easat-1666	109	26	equity	equity	NOUN
easat-1666	109	27	at	at	ADP
easat-1666	109	28	the	the	DET
easat-1666	109	29	beginning	beginning	NOUN
easat-1666	109	30	of	of	ADP
easat-1666	109	31	the	the	DET
easat-1666	109	32	fiscal	fiscal	ADJ
easat-1666	109	33	year	year	NOUN
easat-1666	109	34	to	to	PART
easat-1666	109	35	calculate	calculate	VERB
easat-1666	109	36	return	return	NOUN
easat-1666	109	37	on	on	ADP
easat-1666	109	38	shareholders	shareholder	NOUN
easat-1666	109	39	'	'	PART
easat-1666	109	40	equity	equity	NOUN
easat-1666	109	41	,	,	PUNCT
easat-1666	109	42	or	or	CCONJ
easat-1666	109	43	they	they	PRON
easat-1666	109	44	can	can	AUX
easat-1666	109	45	use	use	VERB
easat-1666	109	46	shareholders	shareholder	NOUN
easat-1666	109	47	'	'	PART
easat-1666	109	48	equity	equity	NOUN
easat-1666	109	49	at	at	ADP
easat-1666	109	50	the	the	DET
easat-1666	109	51	end	end	NOUN
easat-1666	109	52	of	of	ADP
easat-1666	109	53	the	the	DET
easat-1666	109	54	fiscal	fiscal	ADJ
easat-1666	109	55	year	year	NOUN
easat-1666	109	56	to	to	PART
easat-1666	109	57	calculate	calculate	VERB
easat-1666	109	58	return	return	NOUN
easat-1666	109	59	on	on	ADP
easat-1666	109	60	shareholders	shareholder	NOUN
easat-1666	109	61	'	'	PART
easat-1666	109	62	equity	equity	NOUN
easat-1666	109	63	.	.	PUNCT
easat-1666	110	1	this	this	DET
easat-1666	110	2	difference	difference	NOUN
easat-1666	110	3	allows	allow	VERB
easat-1666	110	4	financial	financial	ADJ
easat-1666	110	5	analysts	analyst	NOUN
easat-1666	110	6	to	to	PART
easat-1666	110	7	determine	determine	VERB
easat-1666	110	8	changes	change	NOUN
easat-1666	110	9	in	in	ADP
easat-1666	110	10	the	the	DET
easat-1666	110	11	bank	bank	NOUN
easat-1666	110	12	's	's	PART
easat-1666	110	13	profitability	profitability	NOUN
easat-1666	110	14	over	over	ADP
easat-1666	110	15	the	the	DET
easat-1666	110	16	period	period	NOUN
easat-1666	110	17	.	.	PUNCT
easat-1666	111	1	from	from	ADP
easat-1666	111	2	the	the	DET
easat-1666	111	3	investor	investor	NOUN
easat-1666	111	4	's	's	PART
easat-1666	111	5	point	point	NOUN
easat-1666	111	6	of	of	ADP
easat-1666	111	7	view	view	NOUN
easat-1666	111	8	,	,	PUNCT
easat-1666	111	9	the	the	DET
easat-1666	111	10	return	return	NOUN
easat-1666	111	11	equal	equal	ADJ
easat-1666	111	12	to	to	ADP
easat-1666	111	13	the	the	DET
easat-1666	111	14	risk	risk	NOUN
easat-1666	111	15	-	-	PUNCT
easat-1666	111	16	free	free	ADJ
easat-1666	111	17	return	return	NOUN
easat-1666	111	18	is	be	AUX
easat-1666	111	19	called	call	VERB
easat-1666	111	20	return	return	NOUN
easat-1666	111	21	on	on	ADP
easat-1666	111	22	shareholders	shareholder	NOUN
easat-1666	111	23	'	'	PART
easat-1666	111	24	equity	equity	NOUN
easat-1666	111	25	.	.	PUNCT
easat-1666	112	1	it	it	PRON
easat-1666	112	2	depends	depend	VERB
easat-1666	112	3	on	on	ADP
easat-1666	112	4	investment	investment	NOUN
easat-1666	112	5	policies	policy	NOUN
easat-1666	112	6	and	and	CCONJ
easat-1666	112	7	activities	activity	NOUN
easat-1666	112	8	(	(	PUNCT
easat-1666	112	9	al	al	PROPN
easat-1666	112	10	-	-	PUNCT
easat-1666	112	11	sheikh	sheikh	PROPN
easat-1666	112	12	,	,	PUNCT
easat-1666	112	13	2008	2008	NUM
easat-1666	112	14	:	:	PUNCT
easat-1666	112	15	46	46	NUM
easat-1666	112	16	,	,	PUNCT
easat-1666	112	17	47	47	NUM
easat-1666	112	18	)	)	PUNCT
easat-1666	112	19	.	.	PUNCT
easat-1666	113	1	third	third	ADV
easat-1666	113	2	:	:	PUNCT
easat-1666	113	3	̶	̶	NOUN
easat-1666	113	4	return	return	NOUN
easat-1666	113	5	on	on	ADP
easat-1666	113	6	available	available	ADJ
easat-1666	113	7	funds	fund	NOUN
easat-1666	113	8	:	:	PUNCT
easat-1666	113	9	dividing	divide	VERB
easat-1666	113	10	net	net	ADJ
easat-1666	113	11	income	income	NOUN
easat-1666	113	12	by	by	ADP
easat-1666	113	13	total	total	ADJ
easat-1666	113	14	deposits	deposit	NOUN
easat-1666	113	15	plus	plus	CCONJ
easat-1666	113	16	shareholders	shareholder	NOUN
easat-1666	113	17	'	'	PART
easat-1666	113	18	equity	equity	NOUN
easat-1666	113	19	(	(	PUNCT
easat-1666	113	20	jawad	jawad	PROPN
easat-1666	113	21	,	,	PUNCT
easat-1666	113	22	2013	2013	NUM
easat-1666	113	23	:	:	PUNCT
easat-1666	113	24	11	11	NUM
easat-1666	113	25	)	)	PUNCT
easat-1666	113	26	.	.	PUNCT
easat-1666	114	1	return	return	VERB
easat-1666	114	2	on	on	ADP
easat-1666	114	3	available	available	ADJ
easat-1666	114	4	funds	fund	NOUN
easat-1666	114	5	is	be	AUX
easat-1666	114	6	calculated	calculate	VERB
easat-1666	114	7	using	use	VERB
easat-1666	114	8	the	the	DET
easat-1666	114	9	following	follow	VERB
easat-1666	114	10	equation	equation	NOUN
easat-1666	114	11	:	:	PUNCT
easat-1666	114	12	total	total	ADJ
easat-1666	114	13	deposits	deposit	NOUN
easat-1666	114	14	+	+	CCONJ
easat-1666	114	15	shareholders	shareholder	NOUN
easat-1666	114	16	'	'	PART
easat-1666	114	17	equity	equity	NOUN
easat-1666	114	18	/	/	SYM
easat-1666	114	19	return	return	NOUN
easat-1666	114	20	on	on	ADP
easat-1666	114	21	available	available	ADJ
easat-1666	114	22	funds	fund	NOUN
easat-1666	114	23	=	=	SYM
easat-1666	114	24	net	net	ADJ
easat-1666	114	25	profit	profit	NOUN
easat-1666	114	26	.	.	PUNCT
easat-1666	115	1	this	this	DET
easat-1666	115	2	ratio	ratio	NOUN
easat-1666	115	3	indicates	indicate	VERB
easat-1666	115	4	the	the	DET
easat-1666	115	5	extent	extent	NOUN
easat-1666	115	6	to	to	PART
easat-1666	115	7	which	which	PRON
easat-1666	115	8	the	the	DET
easat-1666	115	9	bank	bank	NOUN
easat-1666	115	10	is	be	AUX
easat-1666	115	11	able	able	ADJ
easat-1666	115	12	to	to	PART
easat-1666	115	13	achieve	achieve	VERB
easat-1666	115	14	a	a	DET
easat-1666	115	15	return	return	NOUN
easat-1666	115	16	by	by	ADP
easat-1666	115	17	using	use	VERB
easat-1666	115	18	its	its	PRON
easat-1666	115	19	resources	resource	NOUN
easat-1666	115	20	due	due	ADP
easat-1666	115	21	to	to	ADP
easat-1666	115	22	the	the	DET
easat-1666	115	23	importance	importance	NOUN
easat-1666	115	24	of	of	ADP
easat-1666	115	25	financing	financing	NOUN
easat-1666	115	26	,	,	PUNCT
easat-1666	115	27	shareholders	shareholder	NOUN
easat-1666	115	28	'	'	PART
easat-1666	115	29	equity	equity	NOUN
easat-1666	115	30	and	and	CCONJ
easat-1666	115	31	deposits	deposit	NOUN
easat-1666	115	32	in	in	ADP
easat-1666	115	33	financing	finance	VERB
easat-1666	115	34	assets	asset	NOUN
easat-1666	115	35	.	.	PUNCT
easat-1666	116	1	a	a	DET
easat-1666	116	2	high	high	ADJ
easat-1666	116	3	level	level	NOUN
easat-1666	116	4	of	of	ADP
easat-1666	116	5	this	this	DET
easat-1666	116	6	indicator	indicator	NOUN
easat-1666	116	7	indicates	indicate	VERB
easat-1666	116	8	that	that	SCONJ
easat-1666	116	9	the	the	DET
easat-1666	116	10	management	management	NOUN
easat-1666	116	11	is	be	AUX
easat-1666	116	12	using	use	VERB
easat-1666	116	13	its	its	PRON
easat-1666	116	14	resources	resource	NOUN
easat-1666	116	15	efficiently	efficiently	ADV
easat-1666	116	16	and	and	CCONJ
easat-1666	116	17	in	in	ADP
easat-1666	116	18	a	a	DET
easat-1666	116	19	sound	sound	NOUN
easat-1666	116	20	manner	manner	NOUN
easat-1666	116	21	,	,	PUNCT
easat-1666	116	22	while	while	SCONJ
easat-1666	116	23	a	a	DET
easat-1666	116	24	low	low	ADJ
easat-1666	116	25	level	level	NOUN
easat-1666	116	26	of	of	ADP
easat-1666	116	27	this	this	DET
easat-1666	116	28	indicator	indicator	NOUN
easat-1666	116	29	indicates	indicate	VERB
easat-1666	116	30	that	that	SCONJ
easat-1666	116	31	the	the	DET
easat-1666	116	32	rate	rate	NOUN
easat-1666	116	33	of	of	ADP
easat-1666	116	34	increase	increase	NOUN
easat-1666	116	35	in	in	ADP
easat-1666	116	36	financial	financial	ADJ
easat-1666	116	37	resources	resource	NOUN
easat-1666	116	38	is	be	AUX
easat-1666	116	39	higher	high	ADJ
easat-1666	116	40	than	than	ADP
easat-1666	116	41	the	the	DET
easat-1666	116	42	rate	rate	NOUN
easat-1666	116	43	of	of	ADP
easat-1666	116	44	increase	increase	NOUN
easat-1666	116	45	in	in	ADP
easat-1666	116	46	net	net	ADJ
easat-1666	116	47	profit	profit	NOUN
easat-1666	116	48	(	(	PUNCT
easat-1666	116	49	saeed	saeed	PROPN
easat-1666	116	50	et	et	PROPN
easat-1666	116	51	al	al	PROPN
easat-1666	116	52	.	.	PROPN
easat-1666	116	53	2022	2022	NUM
easat-1666	116	54	:	:	PUNCT
easat-1666	116	55	303	303	NUM
easat-1666	116	56	)	)	PUNCT
easat-1666	116	57	.	.	PUNCT
easat-1666	117	1	fourth	fourth	ADV
easat-1666	117	2	:	:	PUNCT
easat-1666	117	3	̶	̶	PROPN
easat-1666	117	4	net	net	ADJ
easat-1666	117	5	profit	profit	NOUN
easat-1666	117	6	margin	margin	NOUN
easat-1666	117	7	:	:	PUNCT
easat-1666	117	8	this	this	DET
easat-1666	117	9	ratio	ratio	NOUN
easat-1666	117	10	measures	measure	VERB
easat-1666	117	11	the	the	DET
easat-1666	117	12	bank	bank	NOUN
easat-1666	117	13	's	's	PART
easat-1666	117	14	profit	profit	NOUN
easat-1666	117	15	per	per	ADP
easat-1666	117	16	dollar	dollar	NOUN
easat-1666	117	17	of	of	ADP
easat-1666	117	18	revenue	revenue	NOUN
easat-1666	117	19	and	and	CCONJ
easat-1666	117	20	reflects	reflect	VERB
easat-1666	117	21	the	the	DET
easat-1666	117	22	bank	bank	NOUN
easat-1666	117	23	's	's	PART
easat-1666	117	24	operational	operational	ADJ
easat-1666	117	25	efficiency	efficiency	NOUN
easat-1666	117	26	.	.	PUNCT
easat-1666	118	1	the	the	PRON
easat-1666	118	2	higher	high	ADJ
easat-1666	118	3	this	this	DET
easat-1666	118	4	ratio	ratio	NOUN
easat-1666	118	5	is	be	AUX
easat-1666	118	6	,	,	PUNCT
easat-1666	118	7	the	the	PRON
easat-1666	118	8	better	well	ADJ
easat-1666	118	9	the	the	DET
easat-1666	118	10	bank	bank	NOUN
easat-1666	118	11	's	's	PART
easat-1666	118	12	financial	financial	ADJ
easat-1666	118	13	performance	performance	NOUN
easat-1666	118	14	,	,	PUNCT
easat-1666	118	15	and	and	CCONJ
easat-1666	118	16	the	the	PRON
easat-1666	118	17	greater	great	ADJ
easat-1666	118	18	the	the	DET
easat-1666	118	19	likelihood	likelihood	NOUN
easat-1666	118	20	of	of	ADP
easat-1666	118	21	achieving	achieve	VERB
easat-1666	118	22	a	a	DET
easat-1666	118	23	higher	high	ADJ
easat-1666	118	24	rate	rate	NOUN
easat-1666	118	25	of	of	ADP
easat-1666	118	26	return	return	NOUN
easat-1666	118	27	in	in	ADP
easat-1666	118	28	generating	generate	VERB
easat-1666	118	29	revenue	revenue	NOUN
easat-1666	118	30	(	(	PUNCT
easat-1666	118	31	al	al	PROPN
easat-1666	118	32	-	-	PUNCT
easat-1666	118	33	mutairi	mutairi	NOUN
easat-1666	118	34	,	,	PUNCT
easat-1666	118	35	2022	2022	NUM
easat-1666	118	36	:	:	PUNCT
easat-1666	118	37	55	55	NUM
easat-1666	118	38	)	)	PUNCT
easat-1666	118	39	.	.	PUNCT
easat-1666	119	1	this	this	DET
easat-1666	119	2	ratio	ratio	NOUN
easat-1666	119	3	measures	measure	VERB
easat-1666	119	4	the	the	DET
easat-1666	119	5	bank	bank	NOUN
easat-1666	119	6	's	's	PART
easat-1666	119	7	ability	ability	NOUN
easat-1666	119	8	to	to	PART
easat-1666	119	9	monitor	monitor	VERB
easat-1666	119	10	and	and	CCONJ
easat-1666	119	11	control	control	NOUN
easat-1666	119	12	expenses	expense	NOUN
easat-1666	119	13	.	.	PUNCT
easat-1666	120	1	the	the	DET
easat-1666	120	2	net	net	ADJ
easat-1666	120	3	profit	profit	NOUN
easat-1666	120	4	margin	margin	NOUN
easat-1666	120	5	is	be	AUX
easat-1666	120	6	measured	measure	VERB
easat-1666	120	7	according	accord	VERB
easat-1666	120	8	to	to	ADP
easat-1666	120	9	the	the	DET
easat-1666	120	10	following	follow	VERB
easat-1666	120	11	equation	equation	NOUN
easat-1666	120	12	(	(	PUNCT
easat-1666	120	13	al	al	PROPN
easat-1666	120	14	-	-	PUNCT
easat-1666	120	15	mikhlafi	mikhlafi	PROPN
easat-1666	120	16	,	,	PUNCT
easat-1666	120	17	2004	2004	NUM
easat-1666	120	18	:	:	PUNCT
easat-1666	120	19	53	53	NUM
easat-1666	120	20	)	)	PUNCT
easat-1666	120	21	.	.	PUNCT
easat-1666	121	1	total	total	ADJ
easat-1666	121	2	revenues	revenue	NOUN
easat-1666	121	3	÷	÷	PUNCT
easat-1666	121	4	net	net	ADJ
easat-1666	121	5	profit	profit	NOUN
easat-1666	121	6	margin	margin	NOUN
easat-1666	121	7	=	=	PUNCT
easat-1666	121	8	net	net	ADJ
easat-1666	121	9	profit	profit	NOUN
easat-1666	121	10	after	after	ADP
easat-1666	121	11	deducting	deduct	VERB
easat-1666	121	12	interest	interest	NOUN
easat-1666	121	13	and	and	CCONJ
easat-1666	121	14	taxes	taxis	NOUN
easat-1666	121	15	banks	bank	NOUN
easat-1666	121	16	pay	pay	VERB
easat-1666	121	17	great	great	ADJ
easat-1666	121	18	attention	attention	NOUN
easat-1666	121	19	to	to	ADP
easat-1666	121	20	the	the	DET
easat-1666	121	21	profit	profit	NOUN
easat-1666	121	22	margin	margin	NOUN
easat-1666	121	23	,	,	PUNCT
easat-1666	121	24	as	as	ADP
easat-1666	121	25	having	have	VERB
easat-1666	121	26	a	a	DET
easat-1666	121	27	high	high	ADJ
easat-1666	121	28	-	-	PUNCT
easat-1666	121	29	value	value	NOUN
easat-1666	121	30	profit	profit	NOUN
easat-1666	121	31	margin	margin	NOUN
easat-1666	121	32	is	be	AUX
easat-1666	121	33	desirable	desirable	ADJ
easat-1666	121	34	(	(	PUNCT
easat-1666	121	35	rose	rise	VERB
easat-1666	121	36	et	et	PROPN
easat-1666	121	37	al.̦	al.̦	PROPN
easat-1666	121	38	2002	2002	NUM
easat-1666	121	39	꞉	꞉	NOUN
easat-1666	121	40	68	68	NUM
easat-1666	121	41	)	)	PUNCT
easat-1666	121	42	.	.	PUNCT
easat-1666	122	1	fifth	fifth	ADJ
easat-1666	122	2	:	:	PUNCT
easat-1666	122	3	̶	̶	NOUN
easat-1666	122	4	earnings	earning	NOUN
easat-1666	122	5	per	per	ADP
easat-1666	122	6	share	share	NOUN
easat-1666	122	7	:	:	PUNCT
easat-1666	122	8	earnings	earning	NOUN
easat-1666	122	9	per	per	ADP
easat-1666	122	10	share	share	NOUN
easat-1666	122	11	are	be	AUX
easat-1666	122	12	one	one	NUM
easat-1666	122	13	of	of	ADP
easat-1666	122	14	the	the	DET
easat-1666	122	15	best	good	ADJ
easat-1666	122	16	and	and	CCONJ
easat-1666	122	17	most	most	ADV
easat-1666	122	18	widely	widely	ADV
easat-1666	122	19	used	use	VERB
easat-1666	122	20	indicators	indicator	NOUN
easat-1666	122	21	because	because	SCONJ
easat-1666	122	22	they	they	PRON
easat-1666	122	23	show	show	VERB
easat-1666	122	24	the	the	DET
easat-1666	122	25	profitability	profitability	NOUN
easat-1666	122	26	of	of	ADP
easat-1666	122	27	the	the	DET
easat-1666	122	28	institution	institution	NOUN
easat-1666	122	29	after	after	ADP
easat-1666	122	30	tax	tax	NOUN
easat-1666	122	31	(	(	PUNCT
easat-1666	122	32	abed	abed	ADJ
easat-1666	122	33	and	and	CCONJ
easat-1666	122	34	zamlat	zamlat	ADJ
easat-1666	122	35	,	,	PUNCT
easat-1666	122	36	2019	2019	NUM
easat-1666	122	37	:	:	PUNCT
easat-1666	122	38	119	119	NUM
easat-1666	122	39	)	)	PUNCT
easat-1666	122	40	.	.	PUNCT
easat-1666	123	1	this	this	DET
easat-1666	123	2	ratio	ratio	NOUN
easat-1666	123	3	increases	increase	VERB
easat-1666	123	4	as	as	SCONJ
easat-1666	123	5	future	future	ADJ
easat-1666	123	6	distributions	distribution	NOUN
easat-1666	123	7	increase	increase	VERB
easat-1666	123	8	and	and	CCONJ
easat-1666	123	9	expected	expect	VERB
easat-1666	123	10	risks	risk	NOUN
easat-1666	123	11	decrease	decrease	NOUN
easat-1666	123	12	.	.	PUNCT
easat-1666	124	1	it	it	PRON
easat-1666	124	2	is	be	AUX
easat-1666	124	3	the	the	DET
easat-1666	124	4	estimated	estimate	VERB
easat-1666	124	5	profits	profit	NOUN
easat-1666	124	6	per	per	ADP
easat-1666	124	7	share	share	NOUN
easat-1666	124	8	that	that	SCONJ
easat-1666	124	9	shareholders	shareholder	NOUN
easat-1666	124	10	are	be	AUX
easat-1666	124	11	expected	expect	VERB
easat-1666	124	12	to	to	PART
easat-1666	124	13	achieve	achieve	VERB
easat-1666	124	14	(	(	PUNCT
easat-1666	124	15	al	al	PROPN
easat-1666	124	16	-	-	PUNCT
easat-1666	124	17	jalijawi	jalijawi	PROPN
easat-1666	124	18	,	,	PUNCT
easat-1666	124	19	2010	2010	NUM
easat-1666	124	20	:	:	PUNCT
easat-1666	124	21	99	99	NUM
easat-1666	124	22	)	)	PUNCT
easat-1666	124	23	.	.	PUNCT
easat-1666	125	1	this	this	DET
easat-1666	125	2	ratio	ratio	NOUN
easat-1666	125	3	determines	determine	VERB
easat-1666	125	4	the	the	DET
easat-1666	125	5	efficiency	efficiency	NOUN
easat-1666	125	6	of	of	ADP
easat-1666	125	7	the	the	DET
easat-1666	125	8	bank	bank	NOUN
easat-1666	125	9	's	's	PART
easat-1666	125	10	overall	overall	ADJ
easat-1666	125	11	financial	financial	ADJ
easat-1666	125	12	performance	performance	NOUN
easat-1666	125	13	and	and	CCONJ
easat-1666	125	14	is	be	AUX
easat-1666	125	15	estimated	estimate	VERB
easat-1666	125	16	according	accord	VERB
easat-1666	125	17	to	to	ADP
easat-1666	125	18	the	the	DET
easat-1666	125	19	following	follow	VERB
easat-1666	125	20	equation	equation	NOUN
easat-1666	125	21	(	(	PUNCT
easat-1666	125	22	al	al	PROPN
easat-1666	125	23	-	-	PUNCT
easat-1666	125	24	yassin	yassin	PROPN
easat-1666	125	25	,	,	PUNCT
easat-1666	125	26	2019	2019	NUM
easat-1666	125	27	:	:	PUNCT
easat-1666	125	28	70	70	NUM
easat-1666	125	29	)	)	PUNCT
easat-1666	125	30	.	.	PUNCT
easat-1666	126	1	number	number	NOUN
easat-1666	126	2	of	of	ADP
easat-1666	126	3	outstanding	outstanding	ADJ
easat-1666	126	4	common	common	ADJ
easat-1666	126	5	shares	share	NOUN
easat-1666	126	6	÷	÷	PUNCT
easat-1666	126	7	earnings	earning	NOUN
easat-1666	126	8	per	per	ADP
easat-1666	126	9	share	share	NOUN
easat-1666	126	10	=	=	SYM
easat-1666	126	11	net	net	ADJ
easat-1666	126	12	income	income	NOUN
easat-1666	126	13	earnings	earning	NOUN
easat-1666	126	14	per	per	ADP
easat-1666	126	15	share	share	NOUN
easat-1666	126	16	is	be	AUX
easat-1666	126	17	more	more	ADV
easat-1666	126	18	widely	widely	ADV
easat-1666	126	19	used	use	VERB
easat-1666	126	20	and	and	CCONJ
easat-1666	126	21	is	be	AUX
easat-1666	126	22	defined	define	VERB
easat-1666	126	23	as	as	ADP
easat-1666	126	24	one	one	NUM
easat-1666	126	25	of	of	ADP
easat-1666	126	26	the	the	DET
easat-1666	126	27	few	few	ADJ
easat-1666	126	28	accounting	accounting	NOUN
easat-1666	126	29	measures	measure	NOUN
easat-1666	126	30	that	that	PRON
easat-1666	126	31	provide	provide	VERB
easat-1666	126	32	information	information	NOUN
easat-1666	126	33	about	about	ADP
easat-1666	126	34	earnings	earning	NOUN
easat-1666	126	35	per	per	ADP
easat-1666	126	36	share	share	NOUN
easat-1666	126	37	during	during	ADP
easat-1666	126	38	the	the	DET
easat-1666	126	39	accounting	accounting	NOUN
easat-1666	126	40	period	period	NOUN
easat-1666	126	41	.	.	PUNCT
easat-1666	127	1	most	most	ADJ
easat-1666	127	2	studies	study	NOUN
easat-1666	127	3	have	have	AUX
easat-1666	127	4	focused	focus	VERB
easat-1666	127	5	on	on	ADP
easat-1666	127	6	earnings	earning	NOUN
easat-1666	127	7	per	per	ADP
easat-1666	127	8	share	share	NOUN
easat-1666	127	9	despite	despite	SCONJ
easat-1666	127	10	the	the	DET
easat-1666	127	11	small	small	ADJ
easat-1666	127	12	number	number	NOUN
easat-1666	127	13	of	of	ADP
easat-1666	127	14	statements	statement	NOUN
easat-1666	127	15	and	and	CCONJ
easat-1666	127	16	the	the	DET
easat-1666	127	17	benefits	benefit	NOUN
easat-1666	127	18	of	of	ADP
easat-1666	127	19	information	information	NOUN
easat-1666	127	20	to	to	ADP
easat-1666	127	21	investors	investor	NOUN
easat-1666	127	22	(	(	PUNCT
easat-1666	127	23	zhang	zhang	PROPN
easat-1666	127	24	̦	̦	NUM
easat-1666	127	25	2008	2008	NUM
easat-1666	127	26	꞉	꞉	NOUN
easat-1666	127	27	70	70	NUM
easat-1666	127	28	)	)	PUNCT
easat-1666	127	29	.	.	PUNCT
easat-1666	128	1	there	there	PRON
easat-1666	128	2	is	be	VERB
easat-1666	128	3	a	a	DET
easat-1666	128	4	strong	strong	ADJ
easat-1666	128	5	relationship	relationship	NOUN
easat-1666	128	6	with	with	ADP
easat-1666	128	7	earnings	earning	NOUN
easat-1666	128	8	per	per	ADP
easat-1666	128	9	share	share	NOUN
easat-1666	128	10	and	and	CCONJ
easat-1666	128	11	information	information	NOUN
easat-1666	128	12	gains	gain	NOUN
easat-1666	128	13	for	for	ADP
easat-1666	128	14	investors	investor	NOUN
easat-1666	128	15	.	.	PUNCT
easat-1666	129	1	bank	bank	NOUN
easat-1666	129	2	disclosure	disclosure	NOUN
easat-1666	129	3	has	have	VERB
easat-1666	129	4	a	a	DET
easat-1666	129	5	positive	positive	ADJ
easat-1666	129	6	impact	impact	NOUN
easat-1666	129	7	on	on	ADP
easat-1666	129	8	the	the	DET
easat-1666	129	9	bank	bank	NOUN
easat-1666	129	10	's	's	PART
easat-1666	129	11	profitability	profitability	NOUN
easat-1666	129	12	and	and	CCONJ
easat-1666	129	13	reputation	reputation	NOUN
easat-1666	129	14	,	,	PUNCT
easat-1666	129	15	and	and	CCONJ
easat-1666	129	16	this	this	PRON
easat-1666	129	17	is	be	AUX
easat-1666	129	18	positively	positively	ADV
easat-1666	129	19	reflected	reflect	VERB
easat-1666	129	20	in	in	ADP
easat-1666	129	21	the	the	DET
easat-1666	129	22	price	price	NOUN
easat-1666	129	23	of	of	ADP
easat-1666	129	24	the	the	DET
easat-1666	129	25	bank	bank	NOUN
easat-1666	129	26	's	's	PART
easat-1666	129	27	common	common	ADJ
easat-1666	129	28	stock	stock	NOUN
easat-1666	129	29	,	,	PUNCT
easat-1666	129	30	which	which	PRON
easat-1666	129	31	is	be	AUX
easat-1666	129	32	reflected	reflect	VERB
easat-1666	129	33	in	in	ADP
easat-1666	129	34	the	the	DET
easat-1666	129	35	bank	bank	NOUN
easat-1666	129	36	's	's	PART
easat-1666	129	37	profitability	profitability	NOUN
easat-1666	129	38	during	during	ADP
easat-1666	129	39	the	the	DET
easat-1666	129	40	financial	financial	ADJ
easat-1666	129	41	period	period	NOUN
easat-1666	129	42	(	(	PUNCT
easat-1666	129	43	asem	asem	NOUN
easat-1666	129	44	et	et	PROPN
easat-1666	129	45	al	al	PROPN
easat-1666	129	46	.	.	PROPN
easat-1666	129	47	,	,	PUNCT
easat-1666	129	48	2021	2021	NUM
easat-1666	129	49	:	:	PUNCT
easat-1666	129	50	93	93	NUM
easat-1666	129	51	)	)	PUNCT
easat-1666	129	52	.	.	PUNCT
easat-1666	130	1	the	the	DET
easat-1666	130	2	second	second	ADJ
easat-1666	130	3	requirement	requirement	NOUN
easat-1666	130	4	:	:	PUNCT
easat-1666	130	5	analysis	analysis	NOUN
easat-1666	130	6	and	and	CCONJ
easat-1666	130	7	testing	testing	NOUN
easat-1666	130	8	of	of	ADP
easat-1666	130	9	correlation	correlation	NOUN
easat-1666	130	10	relationships	relationship	NOUN
easat-1666	130	11	between	between	ADP
easat-1666	130	12	variables	variable	NOUN
easat-1666	130	13	analysis	analysis	NOUN
easat-1666	130	14	and	and	CCONJ
easat-1666	130	15	testing	testing	NOUN
easat-1666	130	16	of	of	ADP
easat-1666	130	17	the	the	DET
easat-1666	130	18	correlation	correlation	NOUN
easat-1666	130	19	relationship	relationship	NOUN
easat-1666	130	20	between	between	ADP
easat-1666	130	21	the	the	DET
easat-1666	130	22	use	use	NOUN
easat-1666	130	23	of	of	ADP
easat-1666	130	24	technology	technology	NOUN
easat-1666	130	25	and	and	CCONJ
easat-1666	130	26	enhancing	enhance	VERB
easat-1666	130	27	the	the	DET
easat-1666	130	28	bank	bank	NOUN
easat-1666	130	29	's	's	PART
easat-1666	130	30	profitability	profitability	NOUN
easat-1666	130	31	(	(	PUNCT
easat-1666	130	32	testing	test	VERB
easat-1666	130	33	the	the	DET
easat-1666	130	34	first	first	ADJ
easat-1666	130	35	main	main	ADJ
easat-1666	130	36	hypothesis	hypothesis	NOUN
easat-1666	130	37	):	):	PUNCT
easat-1666	130	38	418	418	NUM
easat-1666	130	39	edelweiss	edelweiss	PROPN
easat-1666	130	40	applied	apply	VERB
easat-1666	130	41	science	science	NOUN
easat-1666	130	42	and	and	CCONJ
easat-1666	130	43	technology	technology	NOUN
easat-1666	130	44	issn	issn	PROPN
easat-1666	130	45	:	:	PUNCT
easat-1666	130	46	2576	2576	NUM
easat-1666	130	47	-	-	SYM
easat-1666	130	48	8484	8484	NUM
easat-1666	130	49	vol	vol	NOUN
easat-1666	130	50	.	.	PROPN
easat-1666	130	51	8	8	NUM
easat-1666	130	52	,	,	PUNCT
easat-1666	130	53	no	no	INTJ
easat-1666	130	54	.	.	NOUN
easat-1666	131	1	3	3	NUM
easat-1666	131	2	:	:	PUNCT
easat-1666	131	3	412	412	NUM
easat-1666	131	4	-	-	SYM
easat-1666	131	5	422	422	NUM
easat-1666	131	6	,	,	PUNCT
easat-1666	131	7	2024	2024	NUM
easat-1666	131	8	doi	doi	NOUN
easat-1666	131	9	:	:	PUNCT
easat-1666	131	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	131	11	©	©	PROPN
easat-1666	131	12	2024	2024	NUM
easat-1666	131	13	by	by	ADP
easat-1666	131	14	the	the	DET
easat-1666	131	15	authors	author	NOUN
easat-1666	131	16	;	;	PUNCT
easat-1666	131	17	licensee	licensee	PROPN
easat-1666	131	18	learning	learning	NOUN
easat-1666	131	19	gate	gate	NOUN
easat-1666	131	20	in	in	ADP
easat-1666	131	21	order	order	NOUN
easat-1666	131	22	to	to	PART
easat-1666	131	23	make	make	VERB
easat-1666	131	24	an	an	DET
easat-1666	131	25	accurate	accurate	ADJ
easat-1666	131	26	decision	decision	NOUN
easat-1666	131	27	regarding	regard	VERB
easat-1666	131	28	the	the	DET
easat-1666	131	29	validity	validity	NOUN
easat-1666	131	30	of	of	ADP
easat-1666	131	31	the	the	DET
easat-1666	131	32	first	first	ADJ
easat-1666	131	33	main	main	ADJ
easat-1666	131	34	hypothesis	hypothesis	NOUN
easat-1666	131	35	,	,	PUNCT
easat-1666	131	36	which	which	PRON
easat-1666	131	37	is	be	AUX
easat-1666	131	38	(	(	PUNCT
easat-1666	131	39	there	there	PRON
easat-1666	131	40	is	be	VERB
easat-1666	131	41	a	a	DET
easat-1666	131	42	significant	significant	ADJ
easat-1666	131	43	correlation	correlation	NOUN
easat-1666	131	44	relationship	relationship	NOUN
easat-1666	131	45	between	between	ADP
easat-1666	131	46	the	the	DET
easat-1666	131	47	use	use	NOUN
easat-1666	131	48	of	of	ADP
easat-1666	131	49	technology	technology	NOUN
easat-1666	131	50	and	and	CCONJ
easat-1666	131	51	the	the	DET
easat-1666	131	52	bank	bank	NOUN
easat-1666	131	53	's	's	PART
easat-1666	131	54	profitability	profitability	NOUN
easat-1666	131	55	)	)	PUNCT
easat-1666	131	56	,	,	PUNCT
easat-1666	131	57	as	as	SCONJ
easat-1666	131	58	follows	follow	VERB
easat-1666	131	59	:	:	PUNCT
easat-1666	131	60	table	table	NOUN
easat-1666	131	61	1	1	NUM
easat-1666	131	62	indicates	indicate	VERB
easat-1666	131	63	the	the	DET
easat-1666	131	64	existence	existence	NOUN
easat-1666	131	65	of	of	ADP
easat-1666	131	66	a	a	DET
easat-1666	131	67	positive	positive	ADJ
easat-1666	131	68	correlation	correlation	NOUN
easat-1666	131	69	relationship	relationship	NOUN
easat-1666	131	70	between	between	ADP
easat-1666	131	71	the	the	DET
easat-1666	131	72	variable	variable	NOUN
easat-1666	131	73	of	of	ADP
easat-1666	131	74	technology	technology	NOUN
easat-1666	131	75	use	use	NOUN
easat-1666	131	76	(	(	PUNCT
easat-1666	131	77	x	x	NOUN
easat-1666	131	78	)	)	PUNCT
easat-1666	131	79	and	and	CCONJ
easat-1666	131	80	the	the	DET
easat-1666	131	81	variable	variable	NOUN
easat-1666	131	82	of	of	ADP
easat-1666	131	83	bank	bank	NOUN
easat-1666	131	84	profitability	profitability	NOUN
easat-1666	131	85	(	(	PUNCT
easat-1666	131	86	y	y	NOUN
easat-1666	131	87	)	)	PUNCT
easat-1666	131	88	,	,	PUNCT
easat-1666	131	89	as	as	SCONJ
easat-1666	131	90	the	the	DET
easat-1666	131	91	value	value	NOUN
easat-1666	131	92	of	of	ADP
easat-1666	131	93	the	the	DET
easat-1666	131	94	simple	simple	ADJ
easat-1666	131	95	correlation	correlation	NOUN
easat-1666	131	96	coefficient	coefficient	NOUN
easat-1666	131	97	between	between	ADP
easat-1666	131	98	them	they	PRON
easat-1666	131	99	reached	reach	VERB
easat-1666	131	100	(	(	PUNCT
easat-1666	131	101	0.983	0.983	NUM
easat-1666	131	102	)	)	PUNCT
easat-1666	131	103	,	,	PUNCT
easat-1666	131	104	and	and	CCONJ
easat-1666	131	105	this	this	DET
easat-1666	131	106	value	value	NOUN
easat-1666	131	107	indicates	indicate	VERB
easat-1666	131	108	the	the	DET
easat-1666	131	109	positive	positive	ADJ
easat-1666	131	110	relationship	relationship	NOUN
easat-1666	131	111	between	between	ADP
easat-1666	131	112	the	the	DET
easat-1666	131	113	use	use	NOUN
easat-1666	131	114	of	of	ADP
easat-1666	131	115	technology	technology	NOUN
easat-1666	131	116	and	and	CCONJ
easat-1666	131	117	enhancing	enhance	VERB
easat-1666	131	118	the	the	DET
easat-1666	131	119	bank	bank	NOUN
easat-1666	131	120	's	's	PART
easat-1666	131	121	profitability	profitability	NOUN
easat-1666	131	122	in	in	ADP
easat-1666	131	123	the	the	DET
easat-1666	131	124	banks	bank	NOUN
easat-1666	131	125	of	of	ADP
easat-1666	131	126	the	the	DET
easat-1666	131	127	study	study	NOUN
easat-1666	131	128	sample	sample	NOUN
easat-1666	131	129	.	.	PUNCT
easat-1666	132	1	what	what	PRON
easat-1666	132	2	supports	support	VERB
easat-1666	132	3	the	the	DET
easat-1666	132	4	positive	positive	ADJ
easat-1666	132	5	correlation	correlation	NOUN
easat-1666	132	6	relationship	relationship	NOUN
easat-1666	132	7	is	be	AUX
easat-1666	132	8	that	that	SCONJ
easat-1666	132	9	the	the	DET
easat-1666	132	10	calculated	calculated	ADJ
easat-1666	132	11	(	(	PUNCT
easat-1666	132	12	t	t	NOUN
easat-1666	132	13	)	)	PUNCT
easat-1666	132	14	value	value	NOUN
easat-1666	132	15	reached	reach	VERB
easat-1666	132	16	(	(	PUNCT
easat-1666	132	17	4.823	4.823	NUM
easat-1666	132	18	)	)	PUNCT
easat-1666	132	19	,	,	PUNCT
easat-1666	132	20	which	which	PRON
easat-1666	132	21	is	be	AUX
easat-1666	132	22	greater	great	ADJ
easat-1666	132	23	than	than	ADP
easat-1666	132	24	the	the	DET
easat-1666	132	25	tabular	tabular	NOUN
easat-1666	132	26	(	(	PUNCT
easat-1666	132	27	t	t	NOUN
easat-1666	132	28	)	)	PUNCT
easat-1666	132	29	value	value	NOUN
easat-1666	132	30	of	of	ADP
easat-1666	132	31	(	(	PUNCT
easat-1666	132	32	2.39	2.39	NUM
easat-1666	132	33	)	)	PUNCT
easat-1666	132	34	at	at	ADP
easat-1666	132	35	the	the	DET
easat-1666	132	36	level	level	NOUN
easat-1666	132	37	(	(	PUNCT
easat-1666	132	38	1	1	NUM
easat-1666	132	39	%	%	NOUN
easat-1666	132	40	)	)	PUNCT
easat-1666	132	41	.	.	PUNCT
easat-1666	133	1	table	table	NOUN
easat-1666	133	2	1	1	NUM
easat-1666	133	3	.	.	PUNCT
easat-1666	133	4	results	result	NOUN
easat-1666	133	5	of	of	ADP
easat-1666	133	6	the	the	DET
easat-1666	133	7	correlation	correlation	NOUN
easat-1666	133	8	between	between	ADP
easat-1666	133	9	technology	technology	NOUN
easat-1666	133	10	and	and	CCONJ
easat-1666	133	11	bank	bank	NOUN
easat-1666	133	12	profitability	profitability	NOUN
easat-1666	133	13	with	with	ADP
easat-1666	133	14	calculated	calculate	VERB
easat-1666	133	15	(	(	PUNCT
easat-1666	133	16	t	t	NOUN
easat-1666	133	17	)	)	PUNCT
easat-1666	133	18	values	value	NOUN
easat-1666	133	19	(	(	PUNCT
easat-1666	133	20	n=80	n=80	PROPN
easat-1666	133	21	)	)	PUNCT
easat-1666	133	22	.	.	PUNCT
easat-1666	134	1	table	table	NOUN
easat-1666	134	2	1	1	NUM
easat-1666	134	3	also	also	ADV
easat-1666	134	4	shows	show	VERB
easat-1666	134	5	the	the	DET
easat-1666	134	6	existence	existence	NOUN
easat-1666	134	7	of	of	ADP
easat-1666	134	8	a	a	DET
easat-1666	134	9	positive	positive	ADJ
easat-1666	134	10	correlation	correlation	NOUN
easat-1666	134	11	between	between	ADP
easat-1666	134	12	technology	technology	NOUN
easat-1666	134	13	and	and	CCONJ
easat-1666	134	14	bank	bank	NOUN
easat-1666	134	15	profitability	profitability	NOUN
easat-1666	134	16	:	:	PUNCT
easat-1666	134	17	there	there	PRON
easat-1666	134	18	is	be	VERB
easat-1666	134	19	a	a	DET
easat-1666	134	20	positive	positive	ADJ
easat-1666	134	21	correlation	correlation	NOUN
easat-1666	134	22	between	between	ADP
easat-1666	134	23	the	the	DET
easat-1666	134	24	use	use	NOUN
easat-1666	134	25	of	of	ADP
easat-1666	134	26	technology	technology	NOUN
easat-1666	134	27	(	(	PUNCT
easat-1666	134	28	x	x	NOUN
easat-1666	134	29	)	)	PUNCT
easat-1666	134	30	and	and	CCONJ
easat-1666	134	31	bank	bank	NOUN
easat-1666	134	32	profitability	profitability	NOUN
easat-1666	134	33	(	(	PUNCT
easat-1666	134	34	y	y	NOUN
easat-1666	134	35	)	)	PUNCT
easat-1666	134	36	and	and	CCONJ
easat-1666	134	37	the	the	DET
easat-1666	134	38	value	value	NOUN
easat-1666	134	39	of	of	ADP
easat-1666	134	40	the	the	DET
easat-1666	134	41	simple	simple	ADJ
easat-1666	134	42	correlation	correlation	NOUN
easat-1666	134	43	coefficient	coefficient	NOUN
easat-1666	134	44	was	be	AUX
easat-1666	134	45	(	(	PUNCT
easat-1666	134	46	0.983	0.983	NUM
easat-1666	134	47	)	)	PUNCT
easat-1666	134	48	and	and	CCONJ
easat-1666	134	49	at	at	ADP
easat-1666	134	50	the	the	DET
easat-1666	134	51	level	level	NOUN
easat-1666	134	52	of	of	ADP
easat-1666	134	53	(	(	PUNCT
easat-1666	134	54	1	1	NUM
easat-1666	134	55	%	%	NOUN
easat-1666	134	56	)	)	PUNCT
easat-1666	134	57	.	.	PUNCT
easat-1666	135	1	what	what	PRON
easat-1666	135	2	supports	support	VERB
easat-1666	135	3	the	the	DET
easat-1666	135	4	positive	positive	ADJ
easat-1666	135	5	correlation	correlation	NOUN
easat-1666	135	6	is	be	AUX
easat-1666	135	7	that	that	SCONJ
easat-1666	135	8	the	the	DET
easat-1666	135	9	calculated	calculated	ADJ
easat-1666	135	10	(	(	PUNCT
easat-1666	135	11	t	t	NOUN
easat-1666	135	12	)	)	PUNCT
easat-1666	135	13	value	value	NOUN
easat-1666	135	14	reached	reach	VERB
easat-1666	135	15	(	(	PUNCT
easat-1666	135	16	4.823	4.823	NUM
easat-1666	135	17	)	)	PUNCT
easat-1666	135	18	which	which	PRON
easat-1666	135	19	is	be	AUX
easat-1666	135	20	greater	great	ADJ
easat-1666	135	21	than	than	ADP
easat-1666	135	22	the	the	DET
easat-1666	135	23	tabular	tabular	NOUN
easat-1666	135	24	(	(	PUNCT
easat-1666	135	25	t	t	NOUN
easat-1666	135	26	)	)	PUNCT
easat-1666	135	27	value	value	NOUN
easat-1666	135	28	of	of	ADP
easat-1666	135	29	(	(	PUNCT
easat-1666	135	30	2.39	2.39	NUM
easat-1666	135	31	)	)	PUNCT
easat-1666	135	32	and	and	CCONJ
easat-1666	135	33	is	be	AUX
easat-1666	135	34	considered	consider	VERB
easat-1666	135	35	significant	significant	ADJ
easat-1666	135	36	at	at	ADP
easat-1666	135	37	the	the	DET
easat-1666	135	38	mentioned	mention	VERB
easat-1666	135	39	level	level	NOUN
easat-1666	135	40	.	.	PUNCT
easat-1666	136	1	from	from	ADP
easat-1666	136	2	the	the	DET
easat-1666	136	3	above	above	NOUN
easat-1666	136	4	,	,	PUNCT
easat-1666	136	5	it	it	PRON
easat-1666	136	6	is	be	AUX
easat-1666	136	7	clear	clear	ADJ
easat-1666	136	8	that	that	SCONJ
easat-1666	136	9	the	the	DET
easat-1666	136	10	use	use	NOUN
easat-1666	136	11	of	of	ADP
easat-1666	136	12	technology	technology	NOUN
easat-1666	136	13	is	be	AUX
easat-1666	136	14	positively	positively	ADV
easat-1666	136	15	related	relate	VERB
easat-1666	136	16	to	to	ADP
easat-1666	136	17	enhancing	enhance	VERB
easat-1666	136	18	bank	bank	NOUN
easat-1666	136	19	profitability	profitability	NOUN
easat-1666	136	20	.	.	PUNCT
easat-1666	137	1	from	from	ADP
easat-1666	137	2	the	the	DET
easat-1666	137	3	above	above	NOUN
easat-1666	137	4	,	,	PUNCT
easat-1666	137	5	it	it	PRON
easat-1666	137	6	is	be	AUX
easat-1666	137	7	clear	clear	ADJ
easat-1666	137	8	that	that	SCONJ
easat-1666	137	9	there	there	PRON
easat-1666	137	10	is	be	VERB
easat-1666	137	11	a	a	DET
easat-1666	137	12	strong	strong	ADJ
easat-1666	137	13	positive	positive	ADJ
easat-1666	137	14	correlation	correlation	NOUN
easat-1666	137	15	between	between	ADP
easat-1666	137	16	the	the	DET
easat-1666	137	17	use	use	NOUN
easat-1666	137	18	of	of	ADP
easat-1666	137	19	technology	technology	NOUN
easat-1666	137	20	and	and	CCONJ
easat-1666	137	21	bank	bank	NOUN
easat-1666	137	22	profitability	profitability	NOUN
easat-1666	137	23	,	,	PUNCT
easat-1666	137	24	which	which	PRON
easat-1666	137	25	leads	lead	VERB
easat-1666	137	26	to	to	ADP
easat-1666	137	27	accepting	accept	VERB
easat-1666	137	28	the	the	DET
easat-1666	137	29	first	first	ADJ
easat-1666	137	30	hypothesis	hypothesis	NOUN
easat-1666	137	31	which	which	PRON
easat-1666	137	32	states	state	VERB
easat-1666	137	33	(	(	PUNCT
easat-1666	137	34	there	there	PRON
easat-1666	137	35	is	be	VERB
easat-1666	137	36	a	a	DET
easat-1666	137	37	significant	significant	ADJ
easat-1666	137	38	correlation	correlation	NOUN
easat-1666	137	39	between	between	ADP
easat-1666	137	40	the	the	DET
easat-1666	137	41	use	use	NOUN
easat-1666	137	42	of	of	ADP
easat-1666	137	43	technology	technology	NOUN
easat-1666	137	44	and	and	CCONJ
easat-1666	137	45	bank	bank	NOUN
easat-1666	137	46	profitability	profitability	NOUN
easat-1666	137	47	)	)	PUNCT
easat-1666	137	48	.	.	PUNCT
easat-1666	138	1	analysis	analysis	NOUN
easat-1666	138	2	and	and	CCONJ
easat-1666	138	3	testing	testing	NOUN
easat-1666	138	4	of	of	ADP
easat-1666	138	5	the	the	DET
easat-1666	138	6	correlation	correlation	NOUN
easat-1666	138	7	between	between	ADP
easat-1666	138	8	financial	financial	ADJ
easat-1666	138	9	operations	operation	NOUN
easat-1666	138	10	and	and	CCONJ
easat-1666	138	11	the	the	DET
easat-1666	138	12	use	use	NOUN
easat-1666	138	13	of	of	ADP
easat-1666	138	14	technology	technology	NOUN
easat-1666	138	15	(	(	PUNCT
easat-1666	138	16	testing	test	VERB
easat-1666	138	17	the	the	DET
easat-1666	138	18	second	second	ADJ
easat-1666	138	19	main	main	ADJ
easat-1666	138	20	hypothesis	hypothesis	NOUN
easat-1666	138	21	):	):	PUNCT
easat-1666	138	22	table	table	NOUN
easat-1666	138	23	2	2	NUM
easat-1666	138	24	.	.	PUNCT
easat-1666	138	25	results	result	NOUN
easat-1666	138	26	of	of	ADP
easat-1666	138	27	the	the	DET
easat-1666	138	28	correlation	correlation	NOUN
easat-1666	138	29	between	between	ADP
easat-1666	138	30	technology	technology	NOUN
easat-1666	138	31	and	and	CCONJ
easat-1666	138	32	financial	financial	ADJ
easat-1666	138	33	operations	operation	NOUN
easat-1666	138	34	with	with	ADP
easat-1666	138	35	calculated	calculate	VERB
easat-1666	138	36	(	(	PUNCT
easat-1666	138	37	t	t	NOUN
easat-1666	138	38	)	)	PUNCT
easat-1666	138	39	values	value	NOUN
easat-1666	138	40	(	(	PUNCT
easat-1666	138	41	n=80	n=80	PROPN
easat-1666	138	42	)	)	PUNCT
easat-1666	138	43	.	.	PUNCT
easat-1666	139	1	table	table	NOUN
easat-1666	139	2	2	2	NUM
easat-1666	139	3	shows	show	VERB
easat-1666	139	4	the	the	DET
easat-1666	139	5	existence	existence	NOUN
easat-1666	139	6	of	of	ADP
easat-1666	139	7	a	a	DET
easat-1666	139	8	positive	positive	ADJ
easat-1666	139	9	correlation	correlation	NOUN
easat-1666	139	10	between	between	ADP
easat-1666	139	11	the	the	DET
easat-1666	139	12	use	use	NOUN
easat-1666	139	13	of	of	ADP
easat-1666	139	14	technology	technology	NOUN
easat-1666	139	15	and	and	CCONJ
easat-1666	139	16	financial	financial	ADJ
easat-1666	139	17	operations	operation	NOUN
easat-1666	139	18	:	:	PUNCT
easat-1666	139	19	there	there	PRON
easat-1666	139	20	is	be	VERB
easat-1666	139	21	a	a	DET
easat-1666	139	22	positive	positive	ADJ
easat-1666	139	23	correlation	correlation	NOUN
easat-1666	139	24	between	between	ADP
easat-1666	139	25	the	the	DET
easat-1666	139	26	use	use	NOUN
easat-1666	139	27	of	of	ADP
easat-1666	139	28	technology	technology	NOUN
easat-1666	139	29	(	(	PUNCT
easat-1666	139	30	x	x	NOUN
easat-1666	139	31	)	)	PUNCT
easat-1666	139	32	and	and	CCONJ
easat-1666	139	33	financial	financial	ADJ
easat-1666	139	34	operations	operation	NOUN
easat-1666	139	35	(	(	PUNCT
easat-1666	139	36	m	m	NOUN
easat-1666	139	37	)	)	PUNCT
easat-1666	139	38	.	.	PUNCT
easat-1666	140	1	the	the	DET
easat-1666	140	2	value	value	NOUN
easat-1666	140	3	of	of	ADP
easat-1666	140	4	the	the	DET
easat-1666	140	5	simple	simple	ADJ
easat-1666	140	6	correlation	correlation	NOUN
easat-1666	140	7	coefficient	coefficient	NOUN
easat-1666	140	8	was	be	AUX
easat-1666	140	9	(	(	PUNCT
easat-1666	140	10	0.918	0.918	NUM
easat-1666	140	11	)	)	PUNCT
easat-1666	140	12	at	at	ADP
easat-1666	140	13	the	the	DET
easat-1666	140	14	level	level	NOUN
easat-1666	140	15	of	of	ADP
easat-1666	140	16	(	(	PUNCT
easat-1666	140	17	1	1	NUM
easat-1666	140	18	%	%	NOUN
easat-1666	140	19	)	)	PUNCT
easat-1666	140	20	.	.	PUNCT
easat-1666	141	1	this	this	PRON
easat-1666	141	2	is	be	AUX
easat-1666	141	3	confirmed	confirm	VERB
easat-1666	141	4	by	by	ADP
easat-1666	141	5	the	the	DET
easat-1666	141	6	calculated	calculate	VERB
easat-1666	141	7	(	(	PUNCT
easat-1666	141	8	t	t	NOUN
easat-1666	141	9	)	)	PUNCT
easat-1666	141	10	value	value	NOUN
easat-1666	141	11	of	of	ADP
easat-1666	141	12	(	(	PUNCT
easat-1666	141	13	4.000	4.000	NUM
easat-1666	141	14	)	)	PUNCT
easat-1666	141	15	,	,	PUNCT
easat-1666	141	16	which	which	PRON
easat-1666	141	17	is	be	AUX
easat-1666	141	18	greater	great	ADJ
easat-1666	141	19	than	than	ADP
easat-1666	141	20	the	the	DET
easat-1666	141	21	tabular	tabular	NOUN
easat-1666	141	22	(	(	PUNCT
easat-1666	141	23	t	t	NOUN
easat-1666	141	24	)	)	PUNCT
easat-1666	141	25	value	value	NOUN
easat-1666	141	26	of	of	ADP
easat-1666	141	27	(	(	PUNCT
easat-1666	141	28	2.39	2.39	NUM
easat-1666	141	29	)	)	PUNCT
easat-1666	141	30	and	and	CCONJ
easat-1666	141	31	is	be	AUX
easat-1666	141	32	considered	consider	VERB
easat-1666	141	33	tabular	tabular	NOUN
easat-1666	141	34	(	(	PUNCT
easat-1666	141	35	t	t	NOUN
easat-1666	141	36	)	)	PUNCT
easat-1666	141	37	value	value	NOUN
easat-1666	141	38	bank	bank	NOUN
easat-1666	141	39	profitability	profitability	NOUN
easat-1666	141	40	(	(	PUNCT
easat-1666	141	41	y	y	NOUN
easat-1666	141	42	)	)	PUNCT
easat-1666	141	43	dependent	dependent	ADJ
easat-1666	141	44	variable	variable	ADJ
easat-1666	141	45	independent	independent	ADJ
easat-1666	141	46	variable	variable	ADJ
easat-1666	141	47	2.39	2.39	NUM
easat-1666	141	48	r=	r=	ADJ
easat-1666	141	49	0.983	0.983	NUM
easat-1666	141	50	use	use	NOUN
easat-1666	141	51	of	of	ADP
easat-1666	141	52	technology	technology	NOUN
easat-1666	141	53	x	x	PUNCT
easat-1666	141	54	confidence	confidence	NOUN
easat-1666	141	55	level	level	NOUN
easat-1666	141	56	0.99	0.99	NUM
easat-1666	141	57	4.823	4.823	NUM
easat-1666	141	58	calculated	calculate	VERB
easat-1666	141	59	(	(	PUNCT
easat-1666	141	60	t	t	NOUN
easat-1666	141	61	)	)	PUNCT
easat-1666	141	62	value	value	NOUN
easat-1666	141	63	there	there	PRON
easat-1666	141	64	is	be	VERB
easat-1666	141	65	a	a	DET
easat-1666	141	66	positive	positive	ADJ
easat-1666	141	67	and	and	CCONJ
easat-1666	141	68	significant	significant	ADJ
easat-1666	141	69	correlation	correlation	NOUN
easat-1666	141	70	at	at	ADP
easat-1666	141	71	the	the	DET
easat-1666	141	72	1	1	NUM
easat-1666	141	73	%	%	NOUN
easat-1666	141	74	level	level	NOUN
easat-1666	141	75	between	between	ADP
easat-1666	141	76	the	the	DET
easat-1666	141	77	use	use	NOUN
easat-1666	141	78	of	of	ADP
easat-1666	141	79	technology	technology	NOUN
easat-1666	141	80	and	and	CCONJ
easat-1666	141	81	bank	bank	NOUN
easat-1666	141	82	profitability	profitability	NOUN
easat-1666	141	83	type	type	NOUN
easat-1666	141	84	of	of	ADP
easat-1666	141	85	relationship	relationship	NOUN
easat-1666	141	86	tabular	tabular	NOUN
easat-1666	141	87	(	(	PUNCT
easat-1666	141	88	t	t	NOUN
easat-1666	141	89	)	)	PUNCT
easat-1666	141	90	value	value	NOUN
easat-1666	141	91	financial	financial	ADJ
easat-1666	141	92	operations	operation	NOUN
easat-1666	141	93	(	(	PUNCT
easat-1666	141	94	m	m	NOUN
easat-1666	141	95	)	)	PUNCT
easat-1666	141	96	intermediary	intermediary	ADJ
easat-1666	141	97	variable	variable	ADJ
easat-1666	141	98	independent	independent	ADJ
easat-1666	141	99	variable	variable	ADJ
easat-1666	141	100	2.39	2.39	NUM
easat-1666	141	101	r=	r=	ADJ
easat-1666	141	102	0.918	0.918	NUM
easat-1666	141	103	technology	technology	NOUN
easat-1666	141	104	confidence	confidence	NOUN
easat-1666	141	105	level0.99	level0.99	PROPN
easat-1666	141	106	4.000	4.000	NUM
easat-1666	141	107	calculated	calculate	VERB
easat-1666	141	108	(	(	PUNCT
easat-1666	141	109	t	t	NOUN
easat-1666	141	110	)	)	PUNCT
easat-1666	141	111	value	value	NOUN
easat-1666	141	112	there	there	PRON
easat-1666	141	113	is	be	VERB
easat-1666	141	114	a	a	DET
easat-1666	141	115	positive	positive	ADJ
easat-1666	141	116	and	and	CCONJ
easat-1666	141	117	significant	significant	ADJ
easat-1666	141	118	correlation	correlation	NOUN
easat-1666	141	119	at	at	ADP
easat-1666	141	120	the	the	DET
easat-1666	141	121	1	1	NUM
easat-1666	141	122	%	%	NOUN
easat-1666	141	123	level	level	NOUN
easat-1666	141	124	between	between	ADP
easat-1666	141	125	the	the	DET
easat-1666	141	126	use	use	NOUN
easat-1666	141	127	of	of	ADP
easat-1666	141	128	technology	technology	NOUN
easat-1666	141	129	and	and	CCONJ
easat-1666	141	130	financial	financial	ADJ
easat-1666	141	131	operations	operation	NOUN
easat-1666	141	132	type	type	NOUN
easat-1666	141	133	of	of	ADP
easat-1666	141	134	relationship	relationship	NOUN
easat-1666	141	135	419	419	NUM
easat-1666	141	136	edelweiss	edelweiss	PROPN
easat-1666	141	137	applied	apply	VERB
easat-1666	141	138	science	science	NOUN
easat-1666	141	139	and	and	CCONJ
easat-1666	141	140	technology	technology	NOUN
easat-1666	141	141	issn	issn	PROPN
easat-1666	141	142	:	:	PUNCT
easat-1666	141	143	2576	2576	NUM
easat-1666	141	144	-	-	SYM
easat-1666	141	145	8484	8484	NUM
easat-1666	141	146	vol	vol	NOUN
easat-1666	141	147	.	.	PROPN
easat-1666	141	148	8	8	NUM
easat-1666	141	149	,	,	PUNCT
easat-1666	141	150	no	no	INTJ
easat-1666	141	151	.	.	NOUN
easat-1666	142	1	3	3	NUM
easat-1666	142	2	:	:	PUNCT
easat-1666	142	3	412	412	NUM
easat-1666	142	4	-	-	SYM
easat-1666	142	5	422	422	NUM
easat-1666	142	6	,	,	PUNCT
easat-1666	142	7	2024	2024	NUM
easat-1666	142	8	doi	doi	NOUN
easat-1666	142	9	:	:	PUNCT
easat-1666	142	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	142	11	©	©	PROPN
easat-1666	142	12	2024	2024	NUM
easat-1666	142	13	by	by	ADP
easat-1666	142	14	the	the	DET
easat-1666	142	15	authors	author	NOUN
easat-1666	142	16	;	;	PUNCT
easat-1666	142	17	licensee	licensee	PROPN
easat-1666	142	18	learning	learning	NOUN
easat-1666	142	19	gate	gate	VERB
easat-1666	142	20	significant	significant	ADJ
easat-1666	142	21	at	at	ADP
easat-1666	142	22	the	the	DET
easat-1666	142	23	mentioned	mention	VERB
easat-1666	142	24	level	level	NOUN
easat-1666	142	25	.	.	PUNCT
easat-1666	143	1	from	from	ADP
easat-1666	143	2	the	the	DET
easat-1666	143	3	above	above	NOUN
easat-1666	143	4	,	,	PUNCT
easat-1666	143	5	it	it	PRON
easat-1666	143	6	is	be	AUX
easat-1666	143	7	clear	clear	ADJ
easat-1666	143	8	that	that	SCONJ
easat-1666	143	9	the	the	DET
easat-1666	143	10	use	use	NOUN
easat-1666	143	11	of	of	ADP
easat-1666	143	12	technology	technology	NOUN
easat-1666	143	13	is	be	AUX
easat-1666	143	14	related	relate	VERB
easat-1666	143	15	to	to	ADP
easat-1666	143	16	the	the	DET
easat-1666	143	17	performance	performance	NOUN
easat-1666	143	18	of	of	ADP
easat-1666	143	19	financial	financial	ADJ
easat-1666	143	20	operations	operation	NOUN
easat-1666	143	21	.	.	PUNCT
easat-1666	144	1	from	from	ADP
easat-1666	144	2	the	the	DET
easat-1666	144	3	above	above	NOUN
easat-1666	144	4	,	,	PUNCT
easat-1666	144	5	it	it	PRON
easat-1666	144	6	is	be	AUX
easat-1666	144	7	clear	clear	ADJ
easat-1666	144	8	that	that	SCONJ
easat-1666	144	9	there	there	PRON
easat-1666	144	10	is	be	VERB
easat-1666	144	11	a	a	DET
easat-1666	144	12	positive	positive	ADJ
easat-1666	144	13	correlation	correlation	NOUN
easat-1666	144	14	between	between	ADP
easat-1666	144	15	the	the	DET
easat-1666	144	16	use	use	NOUN
easat-1666	144	17	of	of	ADP
easat-1666	144	18	technology	technology	NOUN
easat-1666	144	19	and	and	CCONJ
easat-1666	144	20	financial	financial	ADJ
easat-1666	144	21	operations	operation	NOUN
easat-1666	144	22	.	.	PUNCT
easat-1666	145	1	this	this	PRON
easat-1666	145	2	leads	lead	VERB
easat-1666	145	3	to	to	ADP
easat-1666	145	4	accepting	accept	VERB
easat-1666	145	5	the	the	DET
easat-1666	145	6	second	second	ADJ
easat-1666	145	7	main	main	ADJ
easat-1666	145	8	hypothesis	hypothesis	NOUN
easat-1666	145	9	that	that	PRON
easat-1666	145	10	emerges	emerge	VERB
easat-1666	145	11	,	,	PUNCT
easat-1666	145	12	which	which	PRON
easat-1666	145	13	states	state	VERB
easat-1666	145	14	:	:	PUNCT
easat-1666	145	15	(	(	PUNCT
easat-1666	145	16	there	there	PRON
easat-1666	145	17	is	be	VERB
easat-1666	145	18	a	a	DET
easat-1666	145	19	significant	significant	ADJ
easat-1666	145	20	correlation	correlation	NOUN
easat-1666	145	21	between	between	ADP
easat-1666	145	22	the	the	DET
easat-1666	145	23	use	use	NOUN
easat-1666	145	24	of	of	ADP
easat-1666	145	25	technology	technology	NOUN
easat-1666	145	26	and	and	CCONJ
easat-1666	145	27	financial	financial	ADJ
easat-1666	145	28	operations	operation	NOUN
easat-1666	145	29	)	)	PUNCT
easat-1666	145	30	.	.	PUNCT
easat-1666	146	1	analysis	analysis	NOUN
easat-1666	146	2	and	and	CCONJ
easat-1666	146	3	testing	testing	NOUN
easat-1666	146	4	of	of	ADP
easat-1666	146	5	the	the	DET
easat-1666	146	6	correlation	correlation	NOUN
easat-1666	146	7	between	between	ADP
easat-1666	146	8	the	the	DET
easat-1666	146	9	bank	bank	NOUN
easat-1666	146	10	's	's	PART
easat-1666	146	11	profitability	profitability	NOUN
easat-1666	146	12	and	and	CCONJ
easat-1666	146	13	the	the	DET
easat-1666	146	14	performance	performance	NOUN
easat-1666	146	15	of	of	ADP
easat-1666	146	16	financial	financial	ADJ
easat-1666	146	17	operations	operation	NOUN
easat-1666	146	18	(	(	PUNCT
easat-1666	146	19	testing	test	VERB
easat-1666	146	20	the	the	DET
easat-1666	146	21	third	third	ADJ
easat-1666	146	22	main	main	ADJ
easat-1666	146	23	hypothesis	hypothesis	NOUN
easat-1666	146	24	):	):	PUNCT
easat-1666	146	25	(	(	PUNCT
easat-1666	146	26	there	there	PRON
easat-1666	146	27	is	be	VERB
easat-1666	146	28	a	a	DET
easat-1666	146	29	significant	significant	ADJ
easat-1666	146	30	correlation	correlation	NOUN
easat-1666	146	31	between	between	ADP
easat-1666	146	32	the	the	DET
easat-1666	146	33	bank	bank	NOUN
easat-1666	146	34	's	's	PART
easat-1666	146	35	profitability	profitability	NOUN
easat-1666	146	36	and	and	CCONJ
easat-1666	146	37	financial	financial	ADJ
easat-1666	146	38	operations	operation	NOUN
easat-1666	146	39	)	)	PUNCT
easat-1666	146	40	.	.	PUNCT
easat-1666	147	1	table	table	NOUN
easat-1666	147	2	(	(	PUNCT
easat-1666	147	3	17	17	NUM
easat-1666	147	4	)	)	PUNCT
easat-1666	147	5	indicates	indicate	VERB
easat-1666	147	6	the	the	DET
easat-1666	147	7	existence	existence	NOUN
easat-1666	147	8	of	of	ADP
easat-1666	147	9	a	a	DET
easat-1666	147	10	positive	positive	ADJ
easat-1666	147	11	correlation	correlation	NOUN
easat-1666	147	12	between	between	ADP
easat-1666	147	13	the	the	DET
easat-1666	147	14	bank	bank	NOUN
easat-1666	147	15	’s	’s	PART
easat-1666	147	16	profitability	profitability	NOUN
easat-1666	147	17	(	(	PUNCT
easat-1666	147	18	y	y	NOUN
easat-1666	147	19	)	)	PUNCT
easat-1666	147	20	and	and	CCONJ
easat-1666	147	21	financial	financial	ADJ
easat-1666	147	22	operations	operation	NOUN
easat-1666	147	23	(	(	PUNCT
easat-1666	147	24	m	m	NOUN
easat-1666	147	25	)	)	PUNCT
easat-1666	147	26	.	.	PUNCT
easat-1666	148	1	the	the	DET
easat-1666	148	2	value	value	NOUN
easat-1666	148	3	of	of	ADP
easat-1666	148	4	the	the	DET
easat-1666	148	5	correlation	correlation	NOUN
easat-1666	148	6	coefficient	coefficient	NOUN
easat-1666	148	7	reached	reach	VERB
easat-1666	148	8	(	(	PUNCT
easat-1666	148	9	0.941	0.941	NUM
easat-1666	148	10	)	)	PUNCT
easat-1666	148	11	at	at	ADP
easat-1666	148	12	the	the	DET
easat-1666	148	13	(	(	PUNCT
easat-1666	148	14	1	1	NUM
easat-1666	148	15	%	%	NOUN
easat-1666	148	16	)	)	PUNCT
easat-1666	148	17	level	level	NOUN
easat-1666	148	18	.	.	PUNCT
easat-1666	149	1	what	what	PRON
easat-1666	149	2	supports	support	VERB
easat-1666	149	3	this	this	DET
easat-1666	149	4	result	result	NOUN
easat-1666	149	5	is	be	AUX
easat-1666	149	6	that	that	SCONJ
easat-1666	149	7	the	the	DET
easat-1666	149	8	calculated	calculated	ADJ
easat-1666	149	9	(	(	PUNCT
easat-1666	149	10	t	t	NOUN
easat-1666	149	11	)	)	PUNCT
easat-1666	149	12	value	value	NOUN
easat-1666	149	13	reached	reach	VERB
easat-1666	149	14	(	(	PUNCT
easat-1666	149	15	4.823	4.823	NUM
easat-1666	149	16	)	)	PUNCT
easat-1666	149	17	at	at	ADP
easat-1666	149	18	the	the	DET
easat-1666	149	19	same	same	ADJ
easat-1666	149	20	previous	previous	ADJ
easat-1666	149	21	significance	significance	NOUN
easat-1666	149	22	level	level	NOUN
easat-1666	149	23	.	.	PUNCT
easat-1666	150	1	table	table	NOUN
easat-1666	150	2	3	3	NUM
easat-1666	150	3	.	.	PUNCT
easat-1666	150	4	results	result	NOUN
easat-1666	150	5	of	of	ADP
easat-1666	150	6	the	the	DET
easat-1666	150	7	correlation	correlation	NOUN
easat-1666	150	8	between	between	ADP
easat-1666	150	9	the	the	DET
easat-1666	150	10	bank	bank	NOUN
easat-1666	150	11	's	's	PART
easat-1666	150	12	profitability	profitability	NOUN
easat-1666	150	13	and	and	CCONJ
easat-1666	150	14	financial	financial	ADJ
easat-1666	150	15	operations	operation	NOUN
easat-1666	150	16	with	with	ADP
easat-1666	150	17	the	the	DET
easat-1666	150	18	calculated	calculate	VERB
easat-1666	150	19	(	(	PUNCT
easat-1666	150	20	t	t	NOUN
easat-1666	150	21	)	)	PUNCT
easat-1666	150	22	values	value	NOUN
easat-1666	150	23	(	(	PUNCT
easat-1666	150	24	n=80	n=80	PROPN
easat-1666	150	25	)	)	PUNCT
easat-1666	150	26	.	.	PUNCT
easat-1666	151	1	from	from	ADP
easat-1666	151	2	the	the	DET
easat-1666	151	3	above	above	NOUN
easat-1666	151	4	,	,	PUNCT
easat-1666	151	5	it	it	PRON
easat-1666	151	6	is	be	AUX
easat-1666	151	7	clear	clear	ADJ
easat-1666	151	8	that	that	SCONJ
easat-1666	151	9	there	there	PRON
easat-1666	151	10	is	be	VERB
easat-1666	151	11	a	a	DET
easat-1666	151	12	positive	positive	ADJ
easat-1666	151	13	correlation	correlation	NOUN
easat-1666	151	14	between	between	ADP
easat-1666	151	15	the	the	DET
easat-1666	151	16	bank	bank	NOUN
easat-1666	151	17	's	's	PART
easat-1666	151	18	profitability	profitability	NOUN
easat-1666	151	19	and	and	CCONJ
easat-1666	151	20	financial	financial	ADJ
easat-1666	151	21	operations	operation	NOUN
easat-1666	151	22	,	,	PUNCT
easat-1666	151	23	and	and	CCONJ
easat-1666	151	24	this	this	PRON
easat-1666	151	25	leads	lead	VERB
easat-1666	151	26	to	to	ADP
easat-1666	151	27	accepting	accept	VERB
easat-1666	151	28	the	the	DET
easat-1666	151	29	third	third	ADJ
easat-1666	151	30	main	main	ADJ
easat-1666	151	31	hypothesis	hypothesis	NOUN
easat-1666	151	32	,	,	PUNCT
easat-1666	151	33	which	which	PRON
easat-1666	151	34	states	state	VERB
easat-1666	151	35	:	:	PUNCT
easat-1666	151	36	(	(	PUNCT
easat-1666	151	37	there	there	PRON
easat-1666	151	38	is	be	VERB
easat-1666	151	39	a	a	DET
easat-1666	151	40	significant	significant	ADJ
easat-1666	151	41	correlation	correlation	NOUN
easat-1666	151	42	between	between	ADP
easat-1666	151	43	the	the	DET
easat-1666	151	44	bank	bank	NOUN
easat-1666	151	45	's	's	PART
easat-1666	151	46	profitability	profitability	NOUN
easat-1666	151	47	and	and	CCONJ
easat-1666	151	48	financial	financial	ADJ
easat-1666	151	49	operations	operation	NOUN
easat-1666	151	50	)	)	PUNCT
easat-1666	151	51	.	.	PUNCT
easat-1666	152	1	testing	test	VERB
easat-1666	152	2	the	the	DET
easat-1666	152	3	impact	impact	NOUN
easat-1666	152	4	of	of	ADP
easat-1666	152	5	using	use	VERB
easat-1666	152	6	technology	technology	NOUN
easat-1666	152	7	to	to	PART
easat-1666	152	8	improve	improve	VERB
easat-1666	152	9	the	the	DET
easat-1666	152	10	bank	bank	NOUN
easat-1666	152	11	's	's	PART
easat-1666	152	12	profitability	profitability	NOUN
easat-1666	152	13	:	:	PUNCT
easat-1666	152	14	this	this	DET
easat-1666	152	15	paragraph	paragraph	NOUN
easat-1666	152	16	deals	deal	VERB
easat-1666	152	17	with	with	ADP
easat-1666	152	18	testing	test	VERB
easat-1666	152	19	the	the	DET
easat-1666	152	20	impact	impact	NOUN
easat-1666	152	21	of	of	ADP
easat-1666	152	22	operations	operation	NOUN
easat-1666	152	23	performance	performance	NOUN
easat-1666	152	24	in	in	ADP
easat-1666	152	25	enhancing	enhance	VERB
easat-1666	152	26	the	the	DET
easat-1666	152	27	bank	bank	NOUN
easat-1666	152	28	's	's	PART
easat-1666	152	29	profitability	profitability	NOUN
easat-1666	152	30	,	,	PUNCT
easat-1666	152	31	which	which	PRON
easat-1666	152	32	is	be	AUX
easat-1666	152	33	included	include	VERB
easat-1666	152	34	in	in	ADP
easat-1666	152	35	the	the	DET
easat-1666	152	36	fourth	fourth	ADJ
easat-1666	152	37	main	main	ADJ
easat-1666	152	38	hypothesis	hypothesis	NOUN
easat-1666	152	39	,	,	PUNCT
easat-1666	152	40	which	which	PRON
easat-1666	152	41	states	state	VERB
easat-1666	152	42	that	that	SCONJ
easat-1666	152	43	(	(	PUNCT
easat-1666	152	44	there	there	PRON
easat-1666	152	45	is	be	VERB
easat-1666	152	46	a	a	DET
easat-1666	152	47	significant	significant	ADJ
easat-1666	152	48	impact	impact	NOUN
easat-1666	152	49	of	of	ADP
easat-1666	152	50	using	use	VERB
easat-1666	152	51	technology	technology	NOUN
easat-1666	152	52	to	to	PART
easat-1666	152	53	improve	improve	VERB
easat-1666	152	54	the	the	DET
easat-1666	152	55	bank	bank	NOUN
easat-1666	152	56	's	's	PART
easat-1666	152	57	profitability	profitability	NOUN
easat-1666	152	58	)	)	PUNCT
easat-1666	152	59	.	.	PUNCT
easat-1666	153	1	the	the	DET
easat-1666	153	2	hypotheses	hypothesis	NOUN
easat-1666	153	3	were	be	AUX
easat-1666	153	4	tested	test	VERB
easat-1666	153	5	as	as	SCONJ
easat-1666	153	6	follows	follow	VERB
easat-1666	153	7	:	:	PUNCT
easat-1666	153	8	in	in	ADP
easat-1666	153	9	order	order	NOUN
easat-1666	153	10	to	to	PART
easat-1666	153	11	prove	prove	VERB
easat-1666	153	12	the	the	DET
easat-1666	153	13	above	above	ADJ
easat-1666	153	14	hypothesis	hypothesis	NOUN
easat-1666	153	15	,	,	PUNCT
easat-1666	153	16	the	the	DET
easat-1666	153	17	(	(	PUNCT
easat-1666	153	18	f	f	X
easat-1666	153	19	)	)	PUNCT
easat-1666	153	20	test	test	NOUN
easat-1666	153	21	was	be	AUX
easat-1666	153	22	used	use	VERB
easat-1666	153	23	to	to	PART
easat-1666	153	24	analyze	analyze	VERB
easat-1666	153	25	the	the	DET
easat-1666	153	26	significance	significance	NOUN
easat-1666	153	27	of	of	ADP
easat-1666	153	28	the	the	DET
easat-1666	153	29	simple	simple	ADJ
easat-1666	153	30	linear	linear	PROPN
easat-1666	153	31	regression	regression	NOUN
easat-1666	153	32	model	model	NOUN
easat-1666	153	33	,	,	PUNCT
easat-1666	153	34	as	as	SCONJ
easat-1666	153	35	shown	show	VERB
easat-1666	153	36	in	in	ADP
easat-1666	153	37	table	table	NOUN
easat-1666	153	38	(	(	PUNCT
easat-1666	153	39	4	4	NUM
easat-1666	153	40	)	)	PUNCT
easat-1666	153	41	,	,	PUNCT
easat-1666	153	42	which	which	PRON
easat-1666	153	43	was	be	AUX
easat-1666	153	44	built	build	VERB
easat-1666	153	45	according	accord	VERB
easat-1666	153	46	to	to	ADP
easat-1666	153	47	the	the	DET
easat-1666	153	48	following	follow	VERB
easat-1666	153	49	formula	formula	NOUN
easat-1666	153	50	:	:	PUNCT
easat-1666	154	1	*	*	PUNCT
easat-1666	154	2	x	x	PUNCT
easat-1666	154	3	0.633	0.633	NUM
easat-1666	154	4	+	+	NUM
easat-1666	154	5	1.392	1.392	NUM
easat-1666	154	6	=	=	SYM
easat-1666	154	7	y	y	PROPN
easat-1666	154	8	since	since	SCONJ
easat-1666	154	9	y	y	PROPN
easat-1666	154	10	represents	represent	VERB
easat-1666	154	11	the	the	DET
easat-1666	154	12	dependent	dependent	ADJ
easat-1666	154	13	variable	variable	NOUN
easat-1666	154	14	(	(	PUNCT
easat-1666	154	15	bank	bank	NOUN
easat-1666	154	16	profitability	profitability	NOUN
easat-1666	154	17	)	)	PUNCT
easat-1666	154	18	.	.	PUNCT
easat-1666	155	1	and	and	CCONJ
easat-1666	155	2	x	x	AUX
easat-1666	155	3	represents	represent	VERB
easat-1666	155	4	the	the	DET
easat-1666	155	5	independent	independent	ADJ
easat-1666	155	6	variable	variable	NOUN
easat-1666	155	7	(	(	PUNCT
easat-1666	155	8	technology	technology	NOUN
easat-1666	155	9	)	)	PUNCT
easat-1666	155	10	.	.	PUNCT
easat-1666	156	1	tabular	tabular	PROPN
easat-1666	156	2	(	(	PUNCT
easat-1666	156	3	t	t	NOUN
easat-1666	156	4	)	)	PUNCT
easat-1666	156	5	value	value	NOUN
easat-1666	156	6	financial	financial	ADJ
easat-1666	156	7	operations	operation	NOUN
easat-1666	156	8	(	(	PUNCT
easat-1666	156	9	m	m	NOUN
easat-1666	156	10	)	)	PUNCT
easat-1666	156	11	intermediate	intermediate	ADJ
easat-1666	156	12	variable	variable	ADJ
easat-1666	156	13	dependent	dependent	ADJ
easat-1666	156	14	variable	variable	ADJ
easat-1666	156	15	2.39	2.39	NUM
easat-1666	156	16	r=	r=	ADJ
easat-1666	156	17	0.983	0.983	NUM
easat-1666	156	18	bank	bank	NOUN
easat-1666	156	19	profitability	profitability	NOUN
easat-1666	156	20	y	y	PROPN
easat-1666	156	21	0.99	0.99	NUM
easat-1666	156	22	confidence	confidence	NOUN
easat-1666	156	23	level	level	NOUN
easat-1666	156	24	4.823	4.823	NUM
easat-1666	156	25	calculated	calculate	VERB
easat-1666	156	26	(	(	PUNCT
easat-1666	156	27	t	t	NOUN
easat-1666	156	28	)	)	PUNCT
easat-1666	156	29	value	value	NOUN
easat-1666	156	30	there	there	PRON
easat-1666	156	31	is	be	VERB
easat-1666	156	32	a	a	DET
easat-1666	156	33	positive	positive	ADJ
easat-1666	156	34	and	and	CCONJ
easat-1666	156	35	significant	significant	ADJ
easat-1666	156	36	correlation	correlation	NOUN
easat-1666	156	37	at	at	ADP
easat-1666	156	38	the	the	DET
easat-1666	156	39	1	1	NUM
easat-1666	156	40	%	%	NOUN
easat-1666	156	41	level	level	NOUN
easat-1666	156	42	between	between	ADP
easat-1666	156	43	the	the	DET
easat-1666	156	44	bank	bank	NOUN
easat-1666	156	45	's	's	PART
easat-1666	156	46	profitability	profitability	NOUN
easat-1666	156	47	and	and	CCONJ
easat-1666	156	48	financial	financial	ADJ
easat-1666	156	49	operations	operation	NOUN
easat-1666	156	50	type	type	NOUN
easat-1666	156	51	of	of	ADP
easat-1666	156	52	relationship	relationship	NOUN
easat-1666	156	53	420	420	NUM
easat-1666	156	54	edelweiss	edelweiss	PROPN
easat-1666	156	55	applied	apply	VERB
easat-1666	156	56	science	science	NOUN
easat-1666	156	57	and	and	CCONJ
easat-1666	156	58	technology	technology	NOUN
easat-1666	156	59	issn	issn	PROPN
easat-1666	156	60	:	:	PUNCT
easat-1666	156	61	2576	2576	NUM
easat-1666	156	62	-	-	SYM
easat-1666	156	63	8484	8484	NUM
easat-1666	156	64	vol	vol	NOUN
easat-1666	156	65	.	.	PROPN
easat-1666	156	66	8	8	NUM
easat-1666	156	67	,	,	PUNCT
easat-1666	156	68	no	no	INTJ
easat-1666	156	69	.	.	NOUN
easat-1666	157	1	3	3	NUM
easat-1666	157	2	:	:	PUNCT
easat-1666	157	3	412	412	NUM
easat-1666	157	4	-	-	SYM
easat-1666	157	5	422	422	NUM
easat-1666	157	6	,	,	PUNCT
easat-1666	157	7	2024	2024	NUM
easat-1666	157	8	doi	doi	NOUN
easat-1666	157	9	:	:	PUNCT
easat-1666	157	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	157	11	©	©	PROPN
easat-1666	157	12	2024	2024	NUM
easat-1666	157	13	by	by	ADP
easat-1666	157	14	the	the	DET
easat-1666	157	15	authors	author	NOUN
easat-1666	157	16	;	;	PUNCT
easat-1666	157	17	licensee	licensee	PROPN
easat-1666	157	18	learning	learn	VERB
easat-1666	157	19	gate	gate	NOUN
easat-1666	157	20	table	table	NOUN
easat-1666	157	21	4	4	NUM
easat-1666	157	22	.	.	PUNCT
easat-1666	157	23	estimating	estimate	VERB
easat-1666	157	24	the	the	DET
easat-1666	157	25	parameters	parameter	NOUN
easat-1666	157	26	of	of	ADP
easat-1666	157	27	the	the	DET
easat-1666	157	28	simple	simple	ADJ
easat-1666	157	29	linear	linear	PROPN
easat-1666	157	30	regression	regression	NOUN
easat-1666	157	31	model	model	NOUN
easat-1666	157	32	to	to	PART
easat-1666	157	33	measure	measure	VERB
easat-1666	157	34	the	the	DET
easat-1666	157	35	impact	impact	NOUN
easat-1666	157	36	of	of	ADP
easat-1666	157	37	technology	technology	NOUN
easat-1666	157	38	on	on	ADP
easat-1666	157	39	the	the	DET
easat-1666	157	40	bank	bank	NOUN
easat-1666	157	41	's	's	PART
easat-1666	157	42	profitability	profitability	NOUN
easat-1666	157	43	(	(	PUNCT
easat-1666	157	44	n=8	n=8	NUM
easat-1666	157	45	)	)	PUNCT
easat-1666	157	46	.	.	PUNCT
easat-1666	158	1	variable	variable	ADJ
easat-1666	158	2	independent	independent	ADJ
easat-1666	158	3	x	x	SYM
easat-1666	158	4	variable	variable	ADJ
easat-1666	158	5	dependent	dependent	ADJ
easat-1666	158	6	y	y	PROPN
easat-1666	158	7	constant	constant	ADJ
easat-1666	158	8	x	x	X
easat-1666	158	9	technology	technology	NOUN
easat-1666	158	10	(	(	PUNCT
easat-1666	158	11	f	f	NOUN
easat-1666	158	12	)	)	PUNCT
easat-1666	158	13	value	value	NOUN
easat-1666	158	14	interpretation	interpretation	NOUN
easat-1666	158	15	coefficient	coefficient	NOUN
easat-1666	158	16	r2	r2	PROPN
easat-1666	158	17	a	a	DET
easat-1666	158	18	b	b	PROPN
easat-1666	158	19	calculated	calculate	VERB
easat-1666	158	20	tabular	tabular	NOUN
easat-1666	158	21	(	(	PUNCT
easat-1666	158	22	1	1	NUM
easat-1666	158	23	%	%	NOUN
easat-1666	158	24	)	)	PUNCT
easat-1666	158	25	bank	bank	NOUN
easat-1666	158	26	profitability	profitability	NOUN
easat-1666	158	27	y	y	PROPN
easat-1666	158	28	21.39	21.39	NUM
easat-1666	158	29	30.63	30.63	NUM
easat-1666	158	30	85.7	85.7	NUM
easat-1666	158	31	7.08	7.08	NUM
easat-1666	158	32	0.966	0.966	NUM
easat-1666	158	33	it	it	PRON
easat-1666	158	34	is	be	AUX
easat-1666	158	35	clear	clear	ADJ
easat-1666	158	36	from	from	ADP
easat-1666	158	37	the	the	DET
easat-1666	158	38	results	result	NOUN
easat-1666	158	39	shown	show	VERB
easat-1666	158	40	in	in	ADP
easat-1666	158	41	table	table	NOUN
easat-1666	158	42	(	(	PUNCT
easat-1666	158	43	18	18	NUM
easat-1666	158	44	)	)	PUNCT
easat-1666	158	45	the	the	DET
easat-1666	158	46	following	following	NOUN
easat-1666	158	47	:	:	PUNCT
easat-1666	158	48	1the	1the	PRON
easat-1666	158	49	value	value	NOUN
easat-1666	158	50	of	of	ADP
easat-1666	158	51	(	(	PUNCT
easat-1666	158	52	f	f	X
easat-1666	158	53	)	)	PUNCT
easat-1666	158	54	calculated	calculate	VERB
easat-1666	158	55	for	for	ADP
easat-1666	158	56	the	the	DET
easat-1666	158	57	simple	simple	ADJ
easat-1666	158	58	linear	linear	ADJ
easat-1666	158	59	regression	regression	NOUN
easat-1666	158	60	model	model	NOUN
easat-1666	158	61	for	for	ADP
easat-1666	158	62	the	the	DET
easat-1666	158	63	use	use	NOUN
easat-1666	158	64	of	of	ADP
easat-1666	158	65	technology	technology	NOUN
easat-1666	158	66	(	(	PUNCT
easat-1666	158	67	x	x	X
easat-1666	158	68	)	)	PUNCT
easat-1666	158	69	reached	reach	VERB
easat-1666	158	70	(	(	PUNCT
easat-1666	158	71	85.7	85.7	NUM
easat-1666	158	72	)	)	PUNCT
easat-1666	158	73	which	which	PRON
easat-1666	158	74	is	be	AUX
easat-1666	158	75	greater	great	ADJ
easat-1666	158	76	than	than	ADP
easat-1666	158	77	the	the	DET
easat-1666	158	78	value	value	NOUN
easat-1666	158	79	of	of	ADP
easat-1666	158	80	(	(	PUNCT
easat-1666	158	81	f	f	X
easat-1666	158	82	)	)	PUNCT
easat-1666	158	83	tabular	tabular	NOUN
easat-1666	158	84	amounting	amount	VERB
easat-1666	158	85	to	to	ADP
easat-1666	158	86	(	(	PUNCT
easat-1666	158	87	7.08	7.08	NUM
easat-1666	158	88	)	)	PUNCT
easat-1666	158	89	at	at	ADP
easat-1666	158	90	a	a	DET
easat-1666	158	91	significance	significance	NOUN
easat-1666	158	92	level	level	NOUN
easat-1666	158	93	(	(	PUNCT
easat-1666	158	94	1	1	NUM
easat-1666	158	95	%	%	NOUN
easat-1666	158	96	)	)	PUNCT
easat-1666	158	97	.	.	PUNCT
easat-1666	159	1	this	this	PRON
easat-1666	159	2	indicates	indicate	VERB
easat-1666	159	3	the	the	DET
easat-1666	159	4	stability	stability	NOUN
easat-1666	159	5	of	of	ADP
easat-1666	159	6	the	the	DET
easat-1666	159	7	regression	regression	NOUN
easat-1666	159	8	coefficient	coefficient	NOUN
easat-1666	159	9	(	(	PUNCT
easat-1666	159	10	30.63	30.63	NUM
easat-1666	159	11	=	=	SYM
easat-1666	159	12	b	b	X
easat-1666	159	13	)	)	PUNCT
easat-1666	159	14	at	at	ADP
easat-1666	159	15	the	the	DET
easat-1666	159	16	mentioned	mention	VERB
easat-1666	159	17	significance	significance	NOUN
easat-1666	159	18	level	level	NOUN
easat-1666	159	19	,	,	PUNCT
easat-1666	159	20	i.e.	i.e.	X
easat-1666	159	21	a	a	DET
easat-1666	159	22	change	change	NOUN
easat-1666	159	23	of	of	ADP
easat-1666	159	24	one	one	NUM
easat-1666	159	25	unit	unit	NOUN
easat-1666	159	26	in	in	ADP
easat-1666	159	27	the	the	DET
easat-1666	159	28	use	use	NOUN
easat-1666	159	29	of	of	ADP
easat-1666	159	30	technology	technology	NOUN
easat-1666	159	31	affects	affect	VERB
easat-1666	159	32	improving	improve	VERB
easat-1666	159	33	the	the	DET
easat-1666	159	34	bank	bank	NOUN
easat-1666	159	35	's	's	PART
easat-1666	159	36	profitability	profitability	NOUN
easat-1666	159	37	by	by	ADP
easat-1666	159	38	an	an	DET
easat-1666	159	39	amount	amount	NOUN
easat-1666	159	40	of	of	ADP
easat-1666	159	41	(	(	PUNCT
easat-1666	159	42	0.633	0.633	NUM
easat-1666	159	43	)	)	PUNCT
easat-1666	159	44	this	this	PRON
easat-1666	159	45	means	mean	VERB
easat-1666	159	46	that	that	SCONJ
easat-1666	159	47	the	the	DET
easat-1666	159	48	significance	significance	NOUN
easat-1666	159	49	of	of	ADP
easat-1666	159	50	the	the	DET
easat-1666	159	51	simple	simple	ADJ
easat-1666	159	52	linear	linear	ADJ
easat-1666	159	53	regression	regression	NOUN
easat-1666	159	54	model	model	NOUN
easat-1666	159	55	is	be	AUX
easat-1666	159	56	proven	prove	VERB
easat-1666	159	57	.	.	PUNCT
easat-1666	160	1	accordingly	accordingly	ADV
easat-1666	160	2	,	,	PUNCT
easat-1666	160	3	technology	technology	NOUN
easat-1666	160	4	(	(	PUNCT
easat-1666	160	5	x	x	X
easat-1666	160	6	)	)	PUNCT
easat-1666	160	7	has	have	VERB
easat-1666	160	8	a	a	DET
easat-1666	160	9	significant	significant	ADJ
easat-1666	160	10	effect	effect	NOUN
easat-1666	160	11	in	in	ADP
easat-1666	160	12	enhancing	enhance	VERB
easat-1666	160	13	the	the	DET
easat-1666	160	14	profitability	profitability	NOUN
easat-1666	160	15	of	of	ADP
easat-1666	160	16	bank	bank	PROPN
easat-1666	160	17	(	(	PUNCT
easat-1666	160	18	y	y	PROPN
easat-1666	160	19	)	)	PUNCT
easat-1666	160	20	.	.	PUNCT
easat-1666	161	1	1the	1the	ADJ
easat-1666	161	2	value	value	NOUN
easat-1666	161	3	of	of	ADP
easat-1666	161	4	the	the	DET
easat-1666	161	5	interpretation	interpretation	NOUN
easat-1666	161	6	coefficient	coefficient	NOUN
easat-1666	161	7	(	(	PUNCT
easat-1666	161	8	r2	r2	PROPN
easat-1666	161	9	)	)	PUNCT
easat-1666	161	10	reached	reach	VERB
easat-1666	161	11	(	(	PUNCT
easat-1666	161	12	0.966	0.966	NUM
easat-1666	161	13	)	)	PUNCT
easat-1666	161	14	,	,	PUNCT
easat-1666	161	15	which	which	PRON
easat-1666	161	16	means	mean	VERB
easat-1666	161	17	that	that	SCONJ
easat-1666	161	18	the	the	DET
easat-1666	161	19	use	use	NOUN
easat-1666	161	20	of	of	ADP
easat-1666	161	21	technology	technology	NOUN
easat-1666	161	22	(	(	PUNCT
easat-1666	161	23	x	x	NOUN
easat-1666	161	24	)	)	PUNCT
easat-1666	161	25	explains	explain	VERB
easat-1666	161	26	(	(	PUNCT
easat-1666	161	27	6.96	6.96	NUM
easat-1666	161	28	%	%	NOUN
easat-1666	161	29	)	)	PUNCT
easat-1666	161	30	of	of	ADP
easat-1666	161	31	the	the	DET
easat-1666	161	32	changes	change	NOUN
easat-1666	161	33	that	that	PRON
easat-1666	161	34	occur	occur	VERB
easat-1666	161	35	in	in	ADP
easat-1666	161	36	improving	improve	VERB
easat-1666	161	37	the	the	DET
easat-1666	161	38	profitability	profitability	NOUN
easat-1666	161	39	of	of	ADP
easat-1666	161	40	bank	bank	PROPN
easat-1666	161	41	(	(	PUNCT
easat-1666	161	42	y	y	NOUN
easat-1666	161	43	)	)	PUNCT
easat-1666	161	44	,	,	PUNCT
easat-1666	161	45	while	while	SCONJ
easat-1666	161	46	the	the	DET
easat-1666	161	47	remaining	remain	VERB
easat-1666	161	48	percentage	percentage	NOUN
easat-1666	161	49	of	of	ADP
easat-1666	161	50	(	(	PUNCT
easat-1666	161	51	4.3	4.3	NUM
easat-1666	161	52	%	%	NOUN
easat-1666	161	53	)	)	PUNCT
easat-1666	161	54	is	be	AUX
easat-1666	161	55	due	due	ADJ
easat-1666	161	56	to	to	ADP
easat-1666	161	57	the	the	DET
easat-1666	161	58	contribution	contribution	NOUN
easat-1666	161	59	of	of	ADP
easat-1666	161	60	other	other	ADJ
easat-1666	161	61	variables	variable	NOUN
easat-1666	161	62	not	not	PART
easat-1666	161	63	included	include	VERB
easat-1666	161	64	in	in	ADP
easat-1666	161	65	the	the	DET
easat-1666	161	66	current	current	ADJ
easat-1666	161	67	study	study	NOUN
easat-1666	161	68	plan	plan	NOUN
easat-1666	161	69	.	.	PUNCT
easat-1666	162	1	from	from	ADP
easat-1666	162	2	the	the	DET
easat-1666	162	3	above	above	NOUN
easat-1666	162	4	,	,	PUNCT
easat-1666	162	5	it	it	PRON
easat-1666	162	6	is	be	AUX
easat-1666	162	7	clear	clear	ADJ
easat-1666	162	8	that	that	SCONJ
easat-1666	162	9	the	the	DET
easat-1666	162	10	hypothesis	hypothesis	NOUN
easat-1666	162	11	(	(	PUNCT
easat-1666	162	12	there	there	PRON
easat-1666	162	13	is	be	VERB
easat-1666	162	14	a	a	DET
easat-1666	162	15	significant	significant	ADJ
easat-1666	162	16	effect	effect	NOUN
easat-1666	162	17	of	of	ADP
easat-1666	162	18	using	use	VERB
easat-1666	162	19	technology	technology	NOUN
easat-1666	162	20	in	in	ADP
easat-1666	162	21	improving	improve	VERB
easat-1666	162	22	the	the	DET
easat-1666	162	23	profitability	profitability	NOUN
easat-1666	162	24	of	of	ADP
easat-1666	162	25	the	the	DET
easat-1666	162	26	bank	bank	NOUN
easat-1666	162	27	)	)	PUNCT
easat-1666	162	28	is	be	AUX
easat-1666	162	29	valid	valid	ADJ
easat-1666	162	30	.	.	PUNCT
easat-1666	163	1	conclusions	conclusion	NOUN
easat-1666	163	2	and	and	CCONJ
easat-1666	163	3	recommendations	recommendation	NOUN
easat-1666	163	4	conclusions	conclusion	NOUN
easat-1666	163	5	:	:	PUNCT
easat-1666	163	6	1modern	1modern	NUM
easat-1666	163	7	technological	technological	ADJ
easat-1666	163	8	progress	progress	NOUN
easat-1666	163	9	has	have	AUX
easat-1666	163	10	been	be	AUX
easat-1666	163	11	positively	positively	ADV
easat-1666	163	12	reflected	reflect	VERB
easat-1666	163	13	in	in	ADP
easat-1666	163	14	the	the	DET
easat-1666	163	15	banking	banking	NOUN
easat-1666	163	16	sector	sector	NOUN
easat-1666	163	17	through	through	ADP
easat-1666	163	18	the	the	DET
easat-1666	163	19	modern	modern	ADJ
easat-1666	163	20	development	development	NOUN
easat-1666	163	21	of	of	ADP
easat-1666	163	22	information	information	NOUN
easat-1666	163	23	and	and	CCONJ
easat-1666	163	24	communication	communication	NOUN
easat-1666	163	25	technologies	technology	NOUN
easat-1666	163	26	,	,	PUNCT
easat-1666	163	27	which	which	PRON
easat-1666	163	28	has	have	AUX
easat-1666	163	29	led	lead	VERB
easat-1666	163	30	to	to	ADP
easat-1666	163	31	improvements	improvement	NOUN
easat-1666	163	32	in	in	ADP
easat-1666	163	33	electronic	electronic	ADJ
easat-1666	163	34	banking	banking	NOUN
easat-1666	163	35	services	service	NOUN
easat-1666	163	36	,	,	PUNCT
easat-1666	163	37	which	which	PRON
easat-1666	163	38	has	have	AUX
easat-1666	163	39	led	lead	VERB
easat-1666	163	40	to	to	ADP
easat-1666	163	41	the	the	DET
easat-1666	163	42	speed	speed	NOUN
easat-1666	163	43	,	,	PUNCT
easat-1666	163	44	ease	ease	NOUN
easat-1666	163	45	and	and	CCONJ
easat-1666	163	46	accuracy	accuracy	NOUN
easat-1666	163	47	of	of	ADP
easat-1666	163	48	completing	complete	VERB
easat-1666	163	49	transactions	transaction	NOUN
easat-1666	163	50	,	,	PUNCT
easat-1666	163	51	which	which	PRON
easat-1666	163	52	has	have	AUX
easat-1666	163	53	become	become	VERB
easat-1666	163	54	an	an	DET
easat-1666	163	55	opportunity	opportunity	NOUN
easat-1666	163	56	to	to	PART
easat-1666	163	57	increase	increase	VERB
easat-1666	163	58	competitiveness	competitiveness	NOUN
easat-1666	163	59	between	between	ADP
easat-1666	163	60	banks	bank	NOUN
easat-1666	163	61	,	,	PUNCT
easat-1666	163	62	an	an	DET
easat-1666	163	63	attractive	attractive	ADJ
easat-1666	163	64	factor	factor	NOUN
easat-1666	163	65	for	for	ADP
easat-1666	163	66	customers	customer	NOUN
easat-1666	163	67	and	and	CCONJ
easat-1666	163	68	increased	increase	VERB
easat-1666	163	69	profitability	profitability	NOUN
easat-1666	163	70	.	.	PUNCT
easat-1666	164	1	2	2	NUM
easat-1666	164	2	̶	̶	NOUN
easat-1666	164	3	different	different	ADJ
easat-1666	164	4	forms	form	NOUN
easat-1666	164	5	of	of	ADP
easat-1666	164	6	modern	modern	ADJ
easat-1666	164	7	technology	technology	NOUN
easat-1666	164	8	services	service	NOUN
easat-1666	164	9	have	have	AUX
easat-1666	164	10	emerged	emerge	VERB
easat-1666	164	11	depending	depend	VERB
easat-1666	164	12	on	on	ADP
easat-1666	164	13	the	the	DET
easat-1666	164	14	stage	stage	NOUN
easat-1666	164	15	of	of	ADP
easat-1666	164	16	technological	technological	ADJ
easat-1666	164	17	progress	progress	NOUN
easat-1666	164	18	,	,	PUNCT
easat-1666	164	19	atms	atms	NOUN
easat-1666	164	20	and	and	CCONJ
easat-1666	164	21	different	different	ADJ
easat-1666	164	22	types	type	NOUN
easat-1666	164	23	of	of	ADP
easat-1666	164	24	electronic	electronic	ADJ
easat-1666	164	25	cards	card	NOUN
easat-1666	164	26	.	.	PUNCT
easat-1666	165	1	3	3	NUM
easat-1666	165	2	̶	̶	PROPN
easat-1666	165	3	financial	financial	ADJ
easat-1666	165	4	performance	performance	NOUN
easat-1666	165	5	is	be	AUX
easat-1666	165	6	an	an	DET
easat-1666	165	7	indicator	indicator	NOUN
easat-1666	165	8	of	of	ADP
easat-1666	165	9	profitability	profitability	NOUN
easat-1666	165	10	that	that	PRON
easat-1666	165	11	banks	bank	NOUN
easat-1666	165	12	seek	seek	VERB
easat-1666	165	13	to	to	PART
easat-1666	165	14	achieve	achieve	VERB
easat-1666	165	15	,	,	PUNCT
easat-1666	165	16	and	and	CCONJ
easat-1666	165	17	the	the	DET
easat-1666	165	18	factors	factor	NOUN
easat-1666	165	19	affecting	affect	VERB
easat-1666	165	20	the	the	DET
easat-1666	165	21	profitability	profitability	NOUN
easat-1666	165	22	of	of	ADP
easat-1666	165	23	commercial	commercial	ADJ
easat-1666	165	24	banks	bank	NOUN
easat-1666	165	25	are	be	AUX
easat-1666	165	26	internal	internal	ADJ
easat-1666	165	27	factors	factor	NOUN
easat-1666	165	28	represented	represent	VERB
easat-1666	165	29	by	by	ADP
easat-1666	165	30	bank	bank	NOUN
easat-1666	165	31	management	management	NOUN
easat-1666	165	32	,	,	PUNCT
easat-1666	165	33	capital	capital	NOUN
easat-1666	165	34	size	size	NOUN
easat-1666	165	35	,	,	PUNCT
easat-1666	165	36	cost	cost	NOUN
easat-1666	165	37	,	,	PUNCT
easat-1666	165	38	liquidity	liquidity	NOUN
easat-1666	165	39	ratio	ratio	NOUN
easat-1666	165	40	,	,	PUNCT
easat-1666	165	41	bank	bank	NOUN
easat-1666	165	42	size	size	NOUN
easat-1666	165	43	,	,	PUNCT
easat-1666	165	44	number	number	NOUN
easat-1666	165	45	of	of	ADP
easat-1666	165	46	branches	branch	NOUN
easat-1666	165	47	,	,	PUNCT
easat-1666	165	48	resource	resource	NOUN
easat-1666	165	49	utilization	utilization	NOUN
easat-1666	165	50	,	,	PUNCT
easat-1666	165	51	quality	quality	NOUN
easat-1666	165	52	of	of	ADP
easat-1666	165	53	clearing	clearing	NOUN
easat-1666	165	54	services	service	NOUN
easat-1666	165	55	,	,	PUNCT
easat-1666	165	56	and	and	CCONJ
easat-1666	165	57	other	other	ADJ
easat-1666	165	58	external	external	ADJ
easat-1666	165	59	factors	factor	NOUN
easat-1666	165	60	represented	represent	VERB
easat-1666	165	61	by	by	ADP
easat-1666	165	62	economic	economic	ADJ
easat-1666	165	63	conditions	condition	NOUN
easat-1666	165	64	,	,	PUNCT
easat-1666	165	65	monetary	monetary	ADJ
easat-1666	165	66	policy	policy	NOUN
easat-1666	165	67	,	,	PUNCT
easat-1666	165	68	competition	competition	NOUN
easat-1666	165	69	,	,	PUNCT
easat-1666	165	70	banking	banking	NOUN
easat-1666	165	71	awareness	awareness	NOUN
easat-1666	165	72	,	,	PUNCT
easat-1666	165	73	interest	interest	NOUN
easat-1666	165	74	rates	rate	NOUN
easat-1666	165	75	and	and	CCONJ
easat-1666	165	76	exchange	exchange	NOUN
easat-1666	165	77	rates	rate	NOUN
easat-1666	165	78	.	.	PUNCT
easat-1666	166	1	4	4	NUM
easat-1666	166	2	̶	̶	NOUN
easat-1666	166	3	there	there	PRON
easat-1666	166	4	is	be	VERB
easat-1666	166	5	a	a	DET
easat-1666	166	6	statistically	statistically	ADV
easat-1666	166	7	significant	significant	ADJ
easat-1666	166	8	relationship	relationship	NOUN
easat-1666	166	9	between	between	ADP
easat-1666	166	10	the	the	DET
easat-1666	166	11	use	use	NOUN
easat-1666	166	12	of	of	ADP
easat-1666	166	13	technology	technology	NOUN
easat-1666	166	14	and	and	CCONJ
easat-1666	166	15	the	the	DET
easat-1666	166	16	profitability	profitability	NOUN
easat-1666	166	17	of	of	ADP
easat-1666	166	18	the	the	DET
easat-1666	166	19	bank	bank	NOUN
easat-1666	166	20	,	,	PUNCT
easat-1666	166	21	which	which	PRON
easat-1666	166	22	indicates	indicate	VERB
easat-1666	166	23	a	a	DET
easat-1666	166	24	positive	positive	ADJ
easat-1666	166	25	relationship	relationship	NOUN
easat-1666	166	26	between	between	ADP
easat-1666	166	27	technology	technology	NOUN
easat-1666	166	28	and	and	CCONJ
easat-1666	166	29	the	the	DET
easat-1666	166	30	profitability	profitability	NOUN
easat-1666	166	31	of	of	ADP
easat-1666	166	32	the	the	DET
easat-1666	166	33	bank	bank	NOUN
easat-1666	166	34	.	.	PUNCT
easat-1666	167	1	5	5	NUM
easat-1666	167	2	̶	̶	NOUN
easat-1666	167	3	there	there	PRON
easat-1666	167	4	is	be	VERB
easat-1666	167	5	a	a	DET
easat-1666	167	6	statistically	statistically	ADV
easat-1666	167	7	significant	significant	ADJ
easat-1666	167	8	relationship	relationship	NOUN
easat-1666	167	9	between	between	ADP
easat-1666	167	10	the	the	DET
easat-1666	167	11	use	use	NOUN
easat-1666	167	12	of	of	ADP
easat-1666	167	13	technology	technology	NOUN
easat-1666	167	14	and	and	CCONJ
easat-1666	167	15	the	the	DET
easat-1666	167	16	performance	performance	NOUN
easat-1666	167	17	of	of	ADP
easat-1666	167	18	financial	financial	ADJ
easat-1666	167	19	operations	operation	NOUN
easat-1666	167	20	,	,	PUNCT
easat-1666	167	21	which	which	PRON
easat-1666	167	22	indicates	indicate	VERB
easat-1666	167	23	that	that	SCONJ
easat-1666	167	24	there	there	PRON
easat-1666	167	25	is	be	VERB
easat-1666	167	26	a	a	DET
easat-1666	167	27	positive	positive	ADJ
easat-1666	167	28	correlation	correlation	NOUN
easat-1666	167	29	between	between	ADP
easat-1666	167	30	technology	technology	NOUN
easat-1666	167	31	and	and	CCONJ
easat-1666	167	32	the	the	DET
easat-1666	167	33	performance	performance	NOUN
easat-1666	167	34	of	of	ADP
easat-1666	167	35	financial	financial	ADJ
easat-1666	167	36	operations	operation	NOUN
easat-1666	167	37	.	.	PUNCT
easat-1666	168	1	6	6	NUM
easat-1666	168	2	̶	̶	NOUN
easat-1666	168	3	there	there	PRON
easat-1666	168	4	is	be	VERB
easat-1666	168	5	a	a	DET
easat-1666	168	6	statistically	statistically	ADV
easat-1666	168	7	significant	significant	ADJ
easat-1666	168	8	relationship	relationship	NOUN
easat-1666	168	9	between	between	ADP
easat-1666	168	10	the	the	DET
easat-1666	168	11	bank	bank	NOUN
easat-1666	168	12	's	's	PART
easat-1666	168	13	profitability	profitability	NOUN
easat-1666	168	14	and	and	CCONJ
easat-1666	168	15	the	the	DET
easat-1666	168	16	bank	bank	NOUN
easat-1666	168	17	's	's	PART
easat-1666	168	18	financial	financial	ADJ
easat-1666	168	19	operations	operation	NOUN
easat-1666	168	20	,	,	PUNCT
easat-1666	168	21	which	which	PRON
easat-1666	168	22	indicates	indicate	VERB
easat-1666	168	23	that	that	SCONJ
easat-1666	168	24	there	there	PRON
easat-1666	168	25	is	be	VERB
easat-1666	168	26	a	a	DET
easat-1666	168	27	positive	positive	ADJ
easat-1666	168	28	relationship	relationship	NOUN
easat-1666	168	29	between	between	ADP
easat-1666	168	30	the	the	DET
easat-1666	168	31	bank	bank	NOUN
easat-1666	168	32	's	's	PART
easat-1666	168	33	profitability	profitability	NOUN
easat-1666	168	34	and	and	CCONJ
easat-1666	168	35	the	the	DET
easat-1666	168	36	performance	performance	NOUN
easat-1666	168	37	of	of	ADP
easat-1666	168	38	financial	financial	ADJ
easat-1666	168	39	operations	operation	NOUN
easat-1666	168	40	.	.	PUNCT
easat-1666	169	1	421	421	NUM
easat-1666	169	2	edelweiss	edelweiss	PROPN
easat-1666	169	3	applied	apply	VERB
easat-1666	169	4	science	science	NOUN
easat-1666	169	5	and	and	CCONJ
easat-1666	169	6	technology	technology	NOUN
easat-1666	169	7	issn	issn	PROPN
easat-1666	169	8	:	:	PUNCT
easat-1666	169	9	2576	2576	NUM
easat-1666	169	10	-	-	SYM
easat-1666	169	11	8484	8484	NUM
easat-1666	169	12	vol	vol	NOUN
easat-1666	169	13	.	.	PROPN
easat-1666	169	14	8	8	NUM
easat-1666	169	15	,	,	PUNCT
easat-1666	169	16	no	no	INTJ
easat-1666	169	17	.	.	NOUN
easat-1666	170	1	3	3	NUM
easat-1666	170	2	:	:	PUNCT
easat-1666	170	3	412	412	NUM
easat-1666	170	4	-	-	SYM
easat-1666	170	5	422	422	NUM
easat-1666	170	6	,	,	PUNCT
easat-1666	170	7	2024	2024	NUM
easat-1666	170	8	doi	doi	NOUN
easat-1666	170	9	:	:	PUNCT
easat-1666	170	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	170	11	©	©	PROPN
easat-1666	170	12	2024	2024	NUM
easat-1666	170	13	by	by	ADP
easat-1666	170	14	the	the	DET
easat-1666	170	15	authors	author	NOUN
easat-1666	170	16	;	;	PUNCT
easat-1666	170	17	licensee	licensee	PROPN
easat-1666	170	18	learning	learning	NOUN
easat-1666	170	19	gate	gate	NOUN
easat-1666	170	20	7	7	NUM
easat-1666	170	21	̶	̶	PROPN
easat-1666	170	22	there	there	PRON
easat-1666	170	23	is	be	VERB
easat-1666	170	24	a	a	DET
easat-1666	170	25	statistically	statistically	ADV
easat-1666	170	26	significant	significant	ADJ
easat-1666	170	27	relationship	relationship	NOUN
easat-1666	170	28	between	between	ADP
easat-1666	170	29	technology	technology	NOUN
easat-1666	170	30	and	and	CCONJ
easat-1666	170	31	the	the	DET
easat-1666	170	32	bank	bank	NOUN
easat-1666	170	33	's	's	PART
easat-1666	170	34	profitability	profitability	NOUN
easat-1666	170	35	,	,	PUNCT
easat-1666	170	36	which	which	PRON
easat-1666	170	37	means	mean	VERB
easat-1666	170	38	that	that	SCONJ
easat-1666	170	39	technology	technology	NOUN
easat-1666	170	40	has	have	VERB
easat-1666	170	41	a	a	DET
easat-1666	170	42	positive	positive	ADJ
easat-1666	170	43	impact	impact	NOUN
easat-1666	170	44	on	on	ADP
easat-1666	170	45	the	the	DET
easat-1666	170	46	bank	bank	NOUN
easat-1666	170	47	's	's	PART
easat-1666	170	48	profitability	profitability	NOUN
easat-1666	170	49	and	and	CCONJ
easat-1666	170	50	contributes	contribute	VERB
easat-1666	170	51	to	to	ADP
easat-1666	170	52	increasing	increase	VERB
easat-1666	170	53	the	the	DET
easat-1666	170	54	bank	bank	NOUN
easat-1666	170	55	's	's	PART
easat-1666	170	56	revenues	revenue	NOUN
easat-1666	170	57	.	.	PUNCT
easat-1666	171	1	copyright	copyright	NOUN
easat-1666	171	2	:	:	PUNCT
easat-1666	171	3	©	©	PROPN
easat-1666	171	4	2024	2024	NUM
easat-1666	171	5	by	by	ADP
easat-1666	171	6	the	the	DET
easat-1666	171	7	authors	author	NOUN
easat-1666	171	8	.	.	PUNCT
easat-1666	172	1	this	this	DET
easat-1666	172	2	article	article	NOUN
easat-1666	172	3	is	be	AUX
easat-1666	172	4	an	an	DET
easat-1666	172	5	open	open	ADJ
easat-1666	172	6	access	access	NOUN
easat-1666	172	7	article	article	NOUN
easat-1666	172	8	distributed	distribute	VERB
easat-1666	172	9	under	under	ADP
easat-1666	172	10	the	the	DET
easat-1666	172	11	terms	term	NOUN
easat-1666	172	12	and	and	CCONJ
easat-1666	172	13	conditions	condition	NOUN
easat-1666	172	14	of	of	ADP
easat-1666	172	15	the	the	DET
easat-1666	172	16	creative	creative	ADJ
easat-1666	172	17	commons	common	NOUN
easat-1666	172	18	attribution	attribution	NOUN
easat-1666	172	19	(	(	PUNCT
easat-1666	172	20	cc	cc	NOUN
easat-1666	172	21	by	by	ADP
easat-1666	172	22	)	)	PUNCT
easat-1666	172	23	license	license	NOUN
easat-1666	172	24	(	(	PUNCT
easat-1666	172	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1666	172	26	)	)	PUNCT
easat-1666	172	27	.	.	PUNCT
easat-1666	173	1	references	reference	NOUN
easat-1666	173	2	[	[	X
easat-1666	173	3	1	1	NUM
easat-1666	173	4	]	]	X
easat-1666	173	5	ahmed	ahmed	PROPN
easat-1666	173	6	nouras	nouras	PROPN
easat-1666	173	7	and	and	CCONJ
easat-1666	173	8	saeed	saeed	PROPN
easat-1666	173	9	barbaka	barbaka	PROPN
easat-1666	173	10	,	,	PUNCT
easat-1666	173	11	electronic	electronic	ADJ
easat-1666	173	12	banking	banking	NOUN
easat-1666	173	13	business	business	NOUN
easat-1666	173	14	,	,	PUNCT
easat-1666	173	15	tools	tool	NOUN
easat-1666	173	16	and	and	CCONJ
easat-1666	173	17	risks	risk	NOUN
easat-1666	173	18	,	,	PUNCT
easat-1666	173	19	dar	dar	PROPN
easat-1666	173	20	al	al	PROPN
easat-1666	173	21	-	-	PUNCT
easat-1666	173	22	kitab	kitab	PROPN
easat-1666	173	23	al	al	PROPN
easat-1666	173	24	-	-	PUNCT
easat-1666	173	25	hadith	hadith	PROPN
easat-1666	173	26	,	,	PUNCT
easat-1666	173	27	cairo	cairo	PROPN
easat-1666	173	28	,	,	PUNCT
easat-1666	173	29	2016	2016	NUM
easat-1666	173	30	[	[	X
easat-1666	173	31	2	2	NUM
easat-1666	173	32	]	]	PUNCT
easat-1666	173	33	ismail	ismail	PROPN
easat-1666	173	34	muhammad	muhammad	PROPN
easat-1666	173	35	hashim	hashim	PROPN
easat-1666	173	36	,	,	PUNCT
easat-1666	173	37	notes	note	NOUN
easat-1666	173	38	on	on	ADP
easat-1666	173	39	banks	bank	NOUN
easat-1666	173	40	and	and	CCONJ
easat-1666	173	41	money	money	NOUN
easat-1666	173	42	,	,	PUNCT
easat-1666	173	43	dar	dar	PROPN
easat-1666	173	44	al	al	PROPN
easat-1666	173	45	-	-	PUNCT
easat-1666	173	46	nahda	nahda	PROPN
easat-1666	173	47	al	al	PROPN
easat-1666	173	48	-	-	PUNCT
easat-1666	173	49	arabiya	arabiya	PROPN
easat-1666	173	50	for	for	ADP
easat-1666	173	51	printing	printing	NOUN
easat-1666	173	52	and	and	CCONJ
easat-1666	173	53	publishing	publishing	NOUN
easat-1666	173	54	,	,	PUNCT
easat-1666	173	55	beirut	beirut	PROPN
easat-1666	173	56	,	,	PUNCT
easat-1666	173	57	1976	1976	NUM
easat-1666	173	58	[	[	X
easat-1666	173	59	3	3	NUM
easat-1666	173	60	]	]	PUNCT
easat-1666	173	61	buthaina	buthaina	NOUN
easat-1666	173	62	darbal	darbal	PROPN
easat-1666	173	63	,	,	PUNCT
easat-1666	173	64	the	the	DET
easat-1666	173	65	impact	impact	NOUN
easat-1666	173	66	of	of	ADP
easat-1666	173	67	liquidity	liquidity	NOUN
easat-1666	173	68	and	and	CCONJ
easat-1666	173	69	profitability	profitability	NOUN
easat-1666	173	70	restrictions	restriction	NOUN
easat-1666	173	71	on	on	ADP
easat-1666	173	72	the	the	DET
easat-1666	173	73	financial	financial	ADJ
easat-1666	173	74	performance	performance	NOUN
easat-1666	173	75	of	of	ADP
easat-1666	173	76	commercial	commercial	ADJ
easat-1666	173	77	banks	bank	NOUN
easat-1666	173	78	(	(	PUNCT
easat-1666	173	79	a	a	DET
easat-1666	173	80	survey	survey	NOUN
easat-1666	173	81	study	study	NOUN
easat-1666	173	82	of	of	ADP
easat-1666	173	83	the	the	DET
easat-1666	173	84	opinions	opinion	NOUN
easat-1666	173	85	of	of	ADP
easat-1666	173	86	managers	manager	NOUN
easat-1666	173	87	of	of	ADP
easat-1666	173	88	the	the	DET
easat-1666	173	89	bank	bank	NOUN
easat-1666	173	90	of	of	ADP
easat-1666	173	91	agriculture	agriculture	NOUN
easat-1666	173	92	and	and	CCONJ
easat-1666	173	93	profitable	profitable	ADJ
easat-1666	173	94	development	development	PROPN
easat-1666	173	95	oum	oum	PROPN
easat-1666	173	96	el	el	PROPN
easat-1666	173	97	bouaghi	bouaghi	PROPN
easat-1666	173	98	agency	agency	PROPN
easat-1666	174	1	no	no	INTJ
easat-1666	174	2	.	.	PROPN
easat-1666	174	3	324	324	NUM
easat-1666	174	4	)	)	PUNCT
easat-1666	174	5	,	,	PUNCT
easat-1666	175	1	master	master	NOUN
easat-1666	175	2	's	's	PART
easat-1666	175	3	thesis	thesis	NOUN
easat-1666	175	4	,	,	PUNCT
easat-1666	175	5	faculty	faculty	NOUN
easat-1666	175	6	of	of	ADP
easat-1666	175	7	economics	economic	NOUN
easat-1666	175	8	,	,	PUNCT
easat-1666	175	9	commerce	commerce	NOUN
easat-1666	175	10	and	and	CCONJ
easat-1666	175	11	management	management	NOUN
easat-1666	175	12	sciences	sciences	PROPN
easat-1666	175	13	university	university	PROPN
easat-1666	175	14	of	of	ADP
easat-1666	175	15	arab	arab	PROPN
easat-1666	175	16	ben	ben	PROPN
easat-1666	175	17	m'hidi	m'hidi	PROPN
easat-1666	175	18	oum	oum	PROPN
easat-1666	175	19	el	el	PROPN
easat-1666	175	20	bouaghi	bouaghi	PROPN
easat-1666	175	21	,	,	PUNCT
easat-1666	175	22	2021	2021	NUM
easat-1666	175	23	[	[	X
easat-1666	175	24	4	4	NUM
easat-1666	175	25	]	]	PUNCT
easat-1666	175	26	bou	bou	PROPN
easat-1666	175	27	ma'il	ma'il	PROPN
easat-1666	175	28	sa'ad	sa'ad	PROPN
easat-1666	175	29	,	,	PUNCT
easat-1666	175	30	faris	faris	PROPN
easat-1666	175	31	yubakur	yubakur	PROPN
easat-1666	175	32	,	,	PUNCT
easat-1666	175	33	the	the	DET
easat-1666	175	34	impact	impact	NOUN
easat-1666	175	35	of	of	ADP
easat-1666	175	36	modern	modern	ADJ
easat-1666	175	37	information	information	NOUN
easat-1666	175	38	and	and	CCONJ
easat-1666	175	39	communication	communication	NOUN
easat-1666	175	40	technology	technology	NOUN
easat-1666	175	41	on	on	ADP
easat-1666	175	42	the	the	DET
easat-1666	175	43	economic	economic	ADJ
easat-1666	175	44	institution	institution	NOUN
easat-1666	175	45	,	,	PUNCT
easat-1666	175	46	journal	journal	NOUN
easat-1666	175	47	of	of	ADP
easat-1666	175	48	economics	economic	NOUN
easat-1666	175	49	and	and	CCONJ
easat-1666	175	50	management	management	NOUN
easat-1666	175	51	,	,	PUNCT
easat-1666	175	52	university	university	NOUN
easat-1666	175	53	of	of	ADP
easat-1666	175	54	tlemcen	tlemcen	NOUN
easat-1666	175	55	,	,	PUNCT
easat-1666	175	56	issue	issue	NOUN
easat-1666	175	57	03	03	NUM
easat-1666	175	58	,	,	PUNCT
easat-1666	175	59	march	march	PROPN
easat-1666	175	60	2004	2004	NUM
easat-1666	175	61	.	.	PUNCT
easat-1666	176	1	[	[	X
easat-1666	176	2	5	5	NUM
easat-1666	176	3	]	]	PUNCT
easat-1666	176	4	jadoua	jadoua	NOUN
easat-1666	176	5	mukhallad	mukhallad	PROPN
easat-1666	176	6	hamza	hamza	PROPN
easat-1666	176	7	and	and	CCONJ
easat-1666	176	8	others	other	NOUN
easat-1666	176	9	,	,	PUNCT
easat-1666	176	10	financial	financial	ADJ
easat-1666	176	11	performance	performance	NOUN
easat-1666	176	12	evaluation	evaluation	NOUN
easat-1666	176	13	using	use	VERB
easat-1666	176	14	some	some	DET
easat-1666	176	15	profitability	profitability	NOUN
easat-1666	176	16	and	and	CCONJ
easat-1666	176	17	market	market	NOUN
easat-1666	176	18	indicators	indicator	NOUN
easat-1666	176	19	(	(	PUNCT
easat-1666	176	20	a	a	DET
easat-1666	176	21	case	case	NOUN
easat-1666	176	22	study	study	NOUN
easat-1666	176	23	in	in	ADP
easat-1666	176	24	a	a	DET
easat-1666	176	25	sample	sample	NOUN
easat-1666	176	26	of	of	ADP
easat-1666	176	27	companies	company	NOUN
easat-1666	176	28	listed	list	VERB
easat-1666	176	29	in	in	ADP
easat-1666	176	30	the	the	DET
easat-1666	176	31	iraqi	iraqi	ADJ
easat-1666	176	32	stock	stock	NOUN
easat-1666	176	33	exchange	exchange	PROPN
easat-1666	176	34	)	)	PUNCT
easat-1666	176	35	,	,	PUNCT
easat-1666	176	36	journal	journal	NOUN
easat-1666	176	37	of	of	ADP
easat-1666	176	38	al	al	PROPN
easat-1666	176	39	-	-	PUNCT
easat-1666	176	40	rafidain	rafidain	PROPN
easat-1666	176	41	university	university	PROPN
easat-1666	176	42	college	college	PROPN
easat-1666	176	43	of	of	ADP
easat-1666	176	44	science	science	NOUN
easat-1666	176	45	,	,	PUNCT
easat-1666	176	46	issue	issue	NOUN
easat-1666	176	47	39	39	NUM
easat-1666	176	48	,	,	PUNCT
easat-1666	176	49	2016	2016	NUM
easat-1666	176	50	.	.	PUNCT
easat-1666	177	1	[	[	X
easat-1666	177	2	6	6	NUM
easat-1666	177	3	]	]	X
easat-1666	177	4	al	al	PROPN
easat-1666	177	5	-	-	PUNCT
easat-1666	177	6	jalijawi	jalijawi	PROPN
easat-1666	177	7	,	,	PUNCT
easat-1666	177	8	zainab	zainab	PROPN
easat-1666	177	9	obaid	obaid	PROPN
easat-1666	177	10	ghali	ghali	PROPN
easat-1666	177	11	,	,	PUNCT
easat-1666	177	12	2010	2010	NUM
easat-1666	177	13	,	,	PUNCT
easat-1666	177	14	the	the	DET
easat-1666	177	15	impact	impact	NOUN
easat-1666	177	16	of	of	ADP
easat-1666	177	17	unprofitable	unprofitable	ADJ
easat-1666	177	18	banking	banking	NOUN
easat-1666	177	19	services	service	NOUN
easat-1666	177	20	on	on	ADP
easat-1666	177	21	banking	banking	NOUN
easat-1666	177	22	performance	performance	NOUN
easat-1666	177	23	(	(	PUNCT
easat-1666	177	24	an	an	DET
easat-1666	177	25	applied	apply	VERB
easat-1666	177	26	study	study	NOUN
easat-1666	177	27	in	in	ADP
easat-1666	177	28	a	a	DET
easat-1666	177	29	sample	sample	NOUN
easat-1666	177	30	of	of	ADP
easat-1666	177	31	government	government	NOUN
easat-1666	177	32	commercial	commercial	ADJ
easat-1666	177	33	banks	bank	NOUN
easat-1666	177	34	in	in	ADP
easat-1666	177	35	iraq	iraq	PROPN
easat-1666	177	36	"	"	PUNCT
easat-1666	177	37	al	al	PROPN
easat-1666	177	38	-	-	PUNCT
easat-1666	177	39	rafidain	rafidain	PROPN
easat-1666	177	40	and	and	CCONJ
easat-1666	177	41	al	al	PROPN
easat-1666	177	42	-	-	PUNCT
easat-1666	177	43	rasheed	rasheed	NOUN
easat-1666	177	44	"	"	PUNCT
easat-1666	177	45	)	)	PUNCT
easat-1666	177	46	,	,	PUNCT
easat-1666	177	47	master	master	NOUN
easat-1666	177	48	's	's	PART
easat-1666	177	49	thesis	thesis	NOUN
easat-1666	177	50	,	,	PUNCT
easat-1666	177	51	college	college	NOUN
easat-1666	177	52	of	of	ADP
easat-1666	177	53	administration	administration	PROPN
easat-1666	177	54	and	and	CCONJ
easat-1666	177	55	economics	economics	PROPN
easat-1666	177	56	university	university	PROPN
easat-1666	177	57	of	of	ADP
easat-1666	177	58	karbala	karbala	PROPN
easat-1666	177	59	.	.	PUNCT
easat-1666	177	60	)	)	PUNCT
easat-1666	178	1	[	[	X
easat-1666	178	2	7	7	X
easat-1666	178	3	]	]	X
easat-1666	178	4	jawad	jawad	PROPN
easat-1666	178	5	intisar	intisar	PROPN
easat-1666	178	6	muhammad	muhammad	PROPN
easat-1666	178	7	,	,	PUNCT
easat-1666	178	8	2013	2013	NUM
easat-1666	178	9	,	,	PUNCT
easat-1666	178	10	financial	financial	ADJ
easat-1666	178	11	performance	performance	NOUN
easat-1666	178	12	evaluation	evaluation	NOUN
easat-1666	178	13	of	of	ADP
easat-1666	178	14	iraqi	iraqi	ADJ
easat-1666	178	15	banks	bank	NOUN
easat-1666	178	16	in	in	ADP
easat-1666	178	17	light	light	NOUN
easat-1666	178	18	of	of	ADP
easat-1666	178	19	basel	basel	PROPN
easat-1666	178	20	committee	committee	PROPN
easat-1666	178	21	standards	standard	NOUN
easat-1666	178	22	,	,	PUNCT
easat-1666	178	23	an	an	DET
easat-1666	178	24	analytical	analytical	ADJ
easat-1666	178	25	study	study	NOUN
easat-1666	178	26	in	in	ADP
easat-1666	178	27	al	al	PROPN
easat-1666	178	28	-	-	PUNCT
easat-1666	178	29	rasheed	rasheed	PROPN
easat-1666	178	30	bank	bank	PROPN
easat-1666	178	31	,	,	PUNCT
easat-1666	178	32	technical	technical	PROPN
easat-1666	178	33	institute	institute	PROPN
easat-1666	178	34	,	,	PUNCT
easat-1666	178	35	amara	amara	PROPN
easat-1666	178	36	.	.	PUNCT
easat-1666	179	1	[	[	X
easat-1666	179	2	8	8	NUM
easat-1666	179	3	]	]	X
easat-1666	179	4	saeed	saeed	PROPN
easat-1666	179	5	bilal	bilal	PROPN
easat-1666	179	6	nouri	nouri	PROPN
easat-1666	179	7	,	,	PUNCT
easat-1666	179	8	et	et	PROPN
easat-1666	179	9	al	al	PROPN
easat-1666	179	10	.	.	PROPN
easat-1666	179	11	,	,	PUNCT
easat-1666	179	12	2022	2022	NUM
easat-1666	179	13	,	,	PUNCT
easat-1666	179	14	evaluation	evaluation	NOUN
easat-1666	179	15	of	of	ADP
easat-1666	179	16	the	the	DET
easat-1666	179	17	internal	internal	ADJ
easat-1666	179	18	determinants	determinant	NOUN
easat-1666	179	19	of	of	ADP
easat-1666	179	20	banking	banking	NOUN
easat-1666	179	21	profitability	profitability	NOUN
easat-1666	179	22	and	and	CCONJ
easat-1666	179	23	its	its	PRON
easat-1666	179	24	impact	impact	NOUN
easat-1666	179	25	on	on	ADP
easat-1666	179	26	jointstock	jointstock	NOUN
easat-1666	179	27	companies	company	NOUN
easat-1666	179	28	(	(	PUNCT
easat-1666	179	29	an	an	DET
easat-1666	179	30	applied	apply	VERB
easat-1666	179	31	study	study	NOUN
easat-1666	179	32	of	of	ADP
easat-1666	179	33	a	a	DET
easat-1666	179	34	sample	sample	NOUN
easat-1666	179	35	of	of	ADP
easat-1666	179	36	banks	bank	NOUN
easat-1666	179	37	listed	list	VERB
easat-1666	179	38	on	on	ADP
easat-1666	179	39	the	the	DET
easat-1666	179	40	iraq	iraq	PROPN
easat-1666	179	41	stock	stock	PROPN
easat-1666	179	42	exchange	exchange	PROPN
easat-1666	179	43	)	)	PUNCT
easat-1666	179	44	,	,	PUNCT
easat-1666	179	45	al	al	PROPN
easat-1666	179	46	-	-	PUNCT
easat-1666	179	47	riyada	riyada	PROPN
easat-1666	179	48	journal	journal	PROPN
easat-1666	179	49	of	of	ADP
easat-1666	179	50	finance	finance	NOUN
easat-1666	179	51	and	and	CCONJ
easat-1666	179	52	business	business	NOUN
easat-1666	179	53	university	university	PROPN
easat-1666	179	54	of	of	ADP
easat-1666	179	55	nahrain	nahrain	NOUN
easat-1666	179	56	,	,	PUNCT
easat-1666	179	57	volume	volume	NOUN
easat-1666	179	58	3	3	NUM
easat-1666	179	59	,	,	PUNCT
easat-1666	179	60	issue	issue	NOUN
easat-1666	179	61	2	2	NUM
easat-1666	179	62	.	.	X
easat-1666	179	63	9sheikh	9sheikh	NUM
easat-1666	179	64	fahmi	fahmi	PROPN
easat-1666	179	65	mustafa	mustafa	NOUN
easat-1666	179	66	,	,	PUNCT
easat-1666	179	67	financial	financial	ADJ
easat-1666	179	68	analysis	analysis	NOUN
easat-1666	179	69	,	,	PUNCT
easat-1666	179	70	first	first	ADJ
easat-1666	179	71	edition	edition	NOUN
easat-1666	179	72	,	,	PUNCT
easat-1666	179	73	ramallah	ramallah	PROPN
easat-1666	179	74	,	,	PUNCT
easat-1666	179	75	palestine	palestine	PROPN
easat-1666	179	76	,	,	PUNCT
easat-1666	179	77	2008	2008	NUM
easat-1666	179	78	.	.	PUNCT
easat-1666	180	1	[	[	X
easat-1666	180	2	9	9	NUM
easat-1666	180	3	]	]	X
easat-1666	180	4	al	al	PROPN
easat-1666	180	5	-	-	PUNCT
easat-1666	180	6	taie	taie	PROPN
easat-1666	180	7	,	,	PUNCT
easat-1666	180	8	muhammad	muhammad	PROPN
easat-1666	180	9	tahir	tahir	PROPN
easat-1666	180	10	,	,	PUNCT
easat-1666	180	11	and	and	CCONJ
easat-1666	180	12	others	other	NOUN
easat-1666	180	13	,	,	PUNCT
easat-1666	180	14	profitability	profitability	NOUN
easat-1666	180	15	indicators	indicator	NOUN
easat-1666	180	16	and	and	CCONJ
easat-1666	180	17	their	their	PRON
easat-1666	180	18	impact	impact	NOUN
easat-1666	180	19	on	on	ADP
easat-1666	180	20	market	market	NOUN
easat-1666	180	21	value	value	NOUN
easat-1666	180	22	(	(	PUNCT
easat-1666	180	23	a	a	DET
easat-1666	180	24	study	study	NOUN
easat-1666	180	25	of	of	ADP
easat-1666	180	26	a	a	DET
easat-1666	180	27	sample	sample	NOUN
easat-1666	180	28	of	of	ADP
easat-1666	180	29	commercial	commercial	ADJ
easat-1666	180	30	banks	bank	NOUN
easat-1666	180	31	listed	list	VERB
easat-1666	180	32	in	in	ADP
easat-1666	180	33	the	the	DET
easat-1666	180	34	iraq	iraq	PROPN
easat-1666	180	35	stock	stock	NOUN
easat-1666	180	36	exchange	exchange	NOUN
easat-1666	180	37	for	for	ADP
easat-1666	180	38	the	the	DET
easat-1666	180	39	period	period	NOUN
easat-1666	180	40	2004	2004	NUM
easat-1666	180	41	-	-	SYM
easat-1666	180	42	2019	2019	NUM
easat-1666	180	43	)	)	PUNCT
easat-1666	180	44	,	,	PUNCT
easat-1666	180	45	rafidain	rafidain	VERB
easat-1666	180	46	development	development	PROPN
easat-1666	180	47	journal	journal	PROPN
easat-1666	180	48	university	university	PROPN
easat-1666	180	49	of	of	ADP
easat-1666	180	50	mosul	mosul	PROPN
easat-1666	180	51	,	,	PUNCT
easat-1666	180	52	volume	volume	NOUN
easat-1666	180	53	41	41	NUM
easat-1666	180	54	,	,	PUNCT
easat-1666	180	55	issue	issue	NOUN
easat-1666	180	56	133	133	NUM
easat-1666	180	57	,	,	PUNCT
easat-1666	180	58	2022	2022	NUM
easat-1666	180	59	[	[	X
easat-1666	180	60	10	10	NUM
easat-1666	180	61	]	]	X
easat-1666	180	62	abed	abed	PROPN
easat-1666	180	63	muhammad	muhammad	PROPN
easat-1666	180	64	nawaf	nawaf	PROPN
easat-1666	180	65	,	,	PUNCT
easat-1666	180	66	zamlat	zamlat	PROPN
easat-1666	180	67	iyad	iyad	NOUN
easat-1666	180	68	n	n	PRON
easat-1666	180	69	2019	2019	NUM
easat-1666	180	70	,	,	PUNCT
easat-1666	180	71	the	the	DET
easat-1666	180	72	impact	impact	NOUN
easat-1666	180	73	of	of	ADP
easat-1666	180	74	liquidity	liquidity	NOUN
easat-1666	180	75	and	and	CCONJ
easat-1666	180	76	profitability	profitability	NOUN
easat-1666	180	77	indicators	indicator	NOUN
easat-1666	180	78	on	on	ADP
easat-1666	180	79	market	market	NOUN
easat-1666	180	80	performance	performance	NOUN
easat-1666	180	81	indicators	indicator	NOUN
easat-1666	180	82	of	of	ADP
easat-1666	180	83	banks	bank	NOUN
easat-1666	180	84	listed	list	VERB
easat-1666	180	85	in	in	ADP
easat-1666	180	86	the	the	DET
easat-1666	180	87	palestine	palestine	PROPN
easat-1666	180	88	stock	stock	PROPN
easat-1666	180	89	exchange	exchange	PROPN
easat-1666	180	90	,	,	PUNCT
easat-1666	180	91	journal	journal	NOUN
easat-1666	180	92	of	of	ADP
easat-1666	180	93	economic	economic	ADJ
easat-1666	180	94	,	,	PUNCT
easat-1666	180	95	commercial	commercial	ADJ
easat-1666	180	96	and	and	CCONJ
easat-1666	180	97	facilitation	facilitation	NOUN
easat-1666	180	98	sciences	sciences	PROPN
easat-1666	180	99	al	al	PROPN
easat-1666	180	100	-	-	PUNCT
easat-1666	180	101	azhar	azhar	PROPN
easat-1666	180	102	university	university	PROPN
easat-1666	180	103	,	,	PUNCT
easat-1666	180	104	volume	volume	NOUN
easat-1666	180	105	12	12	NUM
easat-1666	180	106	,	,	PUNCT
easat-1666	180	107	issue	issue	NOUN
easat-1666	180	108	1	1	NUM
easat-1666	180	109	.	.	PUNCT
easat-1666	181	1	[	[	X
easat-1666	181	2	11	11	NUM
easat-1666	181	3	]	]	SYM
easat-1666	181	4	asem	asem	NOUN
easat-1666	181	5	,	,	PUNCT
easat-1666	181	6	noha	noha	PROPN
easat-1666	181	7	mohi	mohi	PROPN
easat-1666	181	8	abdo	abdo	PROPN
easat-1666	181	9	abdel	abdel	PROPN
easat-1666	181	10	wahid	wahid	PROPN
easat-1666	181	11	and	and	CCONJ
easat-1666	181	12	others	other	NOUN
easat-1666	181	13	,	,	PUNCT
easat-1666	181	14	a	a	DET
easat-1666	181	15	proposal	proposal	NOUN
easat-1666	181	16	to	to	PART
easat-1666	181	17	measure	measure	VERB
easat-1666	181	18	the	the	DET
easat-1666	181	19	extent	extent	NOUN
easat-1666	181	20	of	of	ADP
easat-1666	181	21	accounting	accounting	NOUN
easat-1666	181	22	and	and	CCONJ
easat-1666	181	23	environmental	environmental	ADJ
easat-1666	181	24	disclosure	disclosure	NOUN
easat-1666	181	25	of	of	ADP
easat-1666	181	26	biodiversity	biodiversity	NOUN
easat-1666	181	27	and	and	CCONJ
easat-1666	181	28	its	its	PRON
easat-1666	181	29	relationship	relationship	NOUN
easat-1666	181	30	to	to	ADP
easat-1666	181	31	financial	financial	ADJ
easat-1666	181	32	performance	performance	NOUN
easat-1666	181	33	indicators	indicator	NOUN
easat-1666	181	34	of	of	ADP
easat-1666	181	35	companies	company	NOUN
easat-1666	181	36	,	,	PUNCT
easat-1666	181	37	journal	journal	NOUN
easat-1666	181	38	of	of	ADP
easat-1666	181	39	financial	financial	ADJ
easat-1666	181	40	and	and	CCONJ
easat-1666	181	41	commercial	commercial	ADJ
easat-1666	181	42	research	research	NOUN
easat-1666	181	43	cairo	cairo	PROPN
easat-1666	181	44	university	university	PROPN
easat-1666	181	45	,	,	PUNCT
easat-1666	181	46	volume	volume	NOUN
easat-1666	181	47	22	22	NUM
easat-1666	181	48	,	,	PUNCT
easat-1666	181	49	issue	issue	NOUN
easat-1666	181	50	4	4	NUM
easat-1666	181	51	,	,	PUNCT
easat-1666	181	52	2021	2021	NUM
easat-1666	181	53	[	[	X
easat-1666	181	54	12	12	NUM
easat-1666	181	55	]	]	X
easat-1666	181	56	abdel	abdel	PROPN
easat-1666	181	57	fattah	fattah	PROPN
easat-1666	181	58	suleiman	suleiman	PROPN
easat-1666	181	59	,	,	PUNCT
easat-1666	181	60	judicial	judicial	ADJ
easat-1666	181	61	principles	principle	NOUN
easat-1666	181	62	in	in	ADP
easat-1666	181	63	banking	banking	NOUN
easat-1666	181	64	,	,	PUNCT
easat-1666	181	65	without	without	ADP
easat-1666	181	66	a	a	DET
easat-1666	181	67	publishing	publishing	NOUN
easat-1666	181	68	house	house	NOUN
easat-1666	181	69	,	,	PUNCT
easat-1666	181	70	without	without	ADP
easat-1666	181	71	a	a	DET
easat-1666	181	72	place	place	NOUN
easat-1666	181	73	of	of	ADP
easat-1666	181	74	publication	publication	NOUN
easat-1666	181	75	,	,	PUNCT
easat-1666	181	76	2017	2017	NUM
easat-1666	181	77	[	[	SYM
easat-1666	181	78	13	13	NUM
easat-1666	181	79	]	]	SYM
easat-1666	181	80	ali	ali	PROPN
easat-1666	181	81	jamal	jamal	PROPN
easat-1666	181	82	al	al	PROPN
easat-1666	181	83	-	-	PUNCT
easat-1666	181	84	din	din	PROPN
easat-1666	181	85	awad	awad	PROPN
easat-1666	181	86	,	,	PUNCT
easat-1666	181	87	banking	banking	NOUN
easat-1666	181	88	operations	operation	NOUN
easat-1666	181	89	from	from	ADP
easat-1666	181	90	a	a	DET
easat-1666	181	91	legal	legal	ADJ
easat-1666	181	92	perspective	perspective	NOUN
easat-1666	181	93	,	,	PUNCT
easat-1666	181	94	legal	legal	ADJ
easat-1666	181	95	library	library	NOUN
easat-1666	181	96	,	,	PUNCT
easat-1666	181	97	cairo	cairo	PROPN
easat-1666	181	98	,	,	PUNCT
easat-1666	181	99	1993	1993	NUM
easat-1666	181	100	[	[	X
easat-1666	181	101	14	14	NUM
easat-1666	181	102	]	]	X
easat-1666	181	103	lazhari	lazhari	PROPN
easat-1666	181	104	zawawi	zawawi	PROPN
easat-1666	181	105	,	,	PUNCT
easat-1666	181	106	hajjaj	hajjaj	ADJ
easat-1666	181	107	nafisa	nafisa	NOUN
easat-1666	181	108	,	,	PUNCT
easat-1666	181	109	financial	financial	ADJ
easat-1666	181	110	technology	technology	NOUN
easat-1666	181	111	,	,	PUNCT
easat-1666	181	112	the	the	DET
easat-1666	181	113	financial	financial	ADJ
easat-1666	181	114	payment	payment	NOUN
easat-1666	181	115	revolution	revolution	NOUN
easat-1666	181	116	,	,	PUNCT
easat-1666	181	117	reality	reality	NOUN
easat-1666	181	118	and	and	CCONJ
easat-1666	181	119	prospects	prospect	NOUN
easat-1666	181	120	,	,	PUNCT
easat-1666	181	121	alijtihad	alijtihad	ADJ
easat-1666	181	122	journal	journal	NOUN
easat-1666	181	123	for	for	ADP
easat-1666	181	124	legal	legal	ADJ
easat-1666	181	125	and	and	CCONJ
easat-1666	181	126	economic	economic	ADJ
easat-1666	181	127	studies	study	NOUN
easat-1666	181	128	,	,	PUNCT
easat-1666	181	129	volume	volume	NOUN
easat-1666	181	130	07	07	NUM
easat-1666	181	131	,	,	PUNCT
easat-1666	181	132	issue	issue	NOUN
easat-1666	181	133	03	03	NUM
easat-1666	181	134	,	,	PUNCT
easat-1666	181	135	university	university	NOUN
easat-1666	181	136	of	of	ADP
easat-1666	181	137	ghardaia	ghardaia	PROPN
easat-1666	181	138	,	,	PUNCT
easat-1666	181	139	2018	2018	NUM
easat-1666	181	140	[	[	X
easat-1666	181	141	15	15	NUM
easat-1666	181	142	]	]	X
easat-1666	181	143	muhammad	muhammad	PROPN
easat-1666	181	144	shukrin	shukrin	NOUN
easat-1666	181	145	,	,	PUNCT
easat-1666	181	146	credit	credit	NOUN
easat-1666	181	147	card	card	NOUN
easat-1666	181	148	in	in	ADP
easat-1666	181	149	algeria	algeria	PROPN
easat-1666	181	150	,	,	PUNCT
easat-1666	181	151	master	master	NOUN
easat-1666	181	152	's	's	PART
easat-1666	181	153	thesis	thesis	NOUN
easat-1666	181	154	,	,	PUNCT
easat-1666	181	155	faculty	faculty	NOUN
easat-1666	181	156	of	of	ADP
easat-1666	181	157	economics	economic	NOUN
easat-1666	181	158	and	and	CCONJ
easat-1666	181	159	management	management	NOUN
easat-1666	181	160	,	,	PUNCT
easat-1666	181	161	university	university	NOUN
easat-1666	181	162	of	of	ADP
easat-1666	181	163	algiers	algiers	PROPN
easat-1666	181	164	,	,	PUNCT
easat-1666	181	165	2005	2005	NUM
easat-1666	182	1	[	[	X
easat-1666	182	2	16	16	NUM
easat-1666	182	3	]	]	X
easat-1666	182	4	al	al	PROPN
easat-1666	182	5	-	-	PUNCT
easat-1666	182	6	makhlafi	makhlafi	PROPN
easat-1666	182	7	,	,	PUNCT
easat-1666	182	8	abdul	abdul	PROPN
easat-1666	182	9	aziz	aziz	PROPN
easat-1666	182	10	muhammad	muhammad	PROPN
easat-1666	182	11	ahmad	ahmad	PROPN
easat-1666	182	12	,	,	PUNCT
easat-1666	182	13	2004	2004	NUM
easat-1666	182	14	,	,	PUNCT
easat-1666	182	15	analysis	analysis	NOUN
easat-1666	182	16	of	of	ADP
easat-1666	182	17	bank	bank	NOUN
easat-1666	182	18	capital	capital	NOUN
easat-1666	182	19	adequacy	adequacy	NOUN
easat-1666	182	20	according	accord	VERB
easat-1666	182	21	to	to	ADP
easat-1666	182	22	international	international	ADJ
easat-1666	182	23	standards	standard	NOUN
easat-1666	182	24	(	(	PUNCT
easat-1666	182	25	an	an	DET
easat-1666	182	26	applied	apply	VERB
easat-1666	182	27	study	study	NOUN
easat-1666	182	28	of	of	ADP
easat-1666	182	29	a	a	DET
easat-1666	182	30	sample	sample	NOUN
easat-1666	182	31	of	of	ADP
easat-1666	182	32	yemeni	yemeni	ADJ
easat-1666	182	33	banks	bank	NOUN
easat-1666	182	34	)	)	PUNCT
easat-1666	182	35	,	,	PUNCT
easat-1666	182	36	phd	phd	NOUN
easat-1666	182	37	thesis	thesis	NOUN
easat-1666	182	38	,	,	PUNCT
easat-1666	182	39	college	college	NOUN
easat-1666	182	40	of	of	ADP
easat-1666	182	41	administration	administration	PROPN
easat-1666	182	42	and	and	CCONJ
easat-1666	182	43	economics	economics	PROPN
easat-1666	182	44	university	university	PROPN
easat-1666	182	45	of	of	ADP
easat-1666	182	46	baghdad	baghdad	PROPN
easat-1666	182	47	.	.	PUNCT
easat-1666	183	1	[	[	X
easat-1666	183	2	17	17	NUM
easat-1666	183	3	]	]	X
easat-1666	183	4	al	al	PROPN
easat-1666	183	5	-	-	PUNCT
easat-1666	183	6	mutairi	mutairi	PROPN
easat-1666	183	7	,	,	PUNCT
easat-1666	183	8	hussein	hussein	PROPN
easat-1666	183	9	mohsen	mohsen	PROPN
easat-1666	183	10	tawfiq	tawfiq	PROPN
easat-1666	183	11	,	,	PUNCT
easat-1666	183	12	2022	2022	NUM
easat-1666	183	13	,	,	PUNCT
easat-1666	183	14	the	the	DET
easat-1666	183	15	role	role	NOUN
easat-1666	183	16	of	of	ADP
easat-1666	183	17	banking	banking	NOUN
easat-1666	183	18	performance	performance	NOUN
easat-1666	183	19	evaluation	evaluation	NOUN
easat-1666	183	20	models	model	NOUN
easat-1666	183	21	in	in	ADP
easat-1666	183	22	improving	improve	VERB
easat-1666	183	23	the	the	DET
easat-1666	183	24	process	process	NOUN
easat-1666	183	25	of	of	ADP
easat-1666	183	26	predicting	predict	VERB
easat-1666	183	27	financial	financial	ADJ
easat-1666	183	28	failure	failure	NOUN
easat-1666	183	29	(	(	PUNCT
easat-1666	183	30	an	an	DET
easat-1666	183	31	applied	apply	VERB
easat-1666	183	32	study	study	NOUN
easat-1666	183	33	in	in	ADP
easat-1666	183	34	a	a	DET
easat-1666	183	35	sample	sample	NOUN
easat-1666	183	36	of	of	ADP
easat-1666	183	37	private	private	ADJ
easat-1666	183	38	commercial	commercial	ADJ
easat-1666	183	39	banks	bank	NOUN
easat-1666	183	40	operating	operate	VERB
easat-1666	183	41	in	in	ADP
easat-1666	183	42	iraq	iraq	PROPN
easat-1666	183	43	)	)	PUNCT
easat-1666	183	44	,	,	PUNCT
easat-1666	183	45	college	college	NOUN
easat-1666	183	46	of	of	ADP
easat-1666	183	47	administration	administration	NOUN
easat-1666	183	48	and	and	CCONJ
easat-1666	183	49	economics	economic	NOUN
easat-1666	183	50	,	,	PUNCT
easat-1666	183	51	university	university	NOUN
easat-1666	183	52	of	of	ADP
easat-1666	183	53	basra	basra	PROPN
easat-1666	183	54	.	.	PUNCT
easat-1666	184	1	[	[	X
easat-1666	184	2	18	18	NUM
easat-1666	184	3	]	]	X
easat-1666	184	4	malika	malika	PROPN
easat-1666	184	5	bin	bin	PROPN
easat-1666	184	6	alqama	alqama	NOUN
easat-1666	184	7	and	and	CCONJ
easat-1666	184	8	others	other	NOUN
easat-1666	184	9	,	,	PUNCT
easat-1666	184	10	the	the	DET
easat-1666	184	11	role	role	NOUN
easat-1666	184	12	of	of	ADP
easat-1666	184	13	financial	financial	ADJ
easat-1666	184	14	technology	technology	NOUN
easat-1666	184	15	in	in	ADP
easat-1666	184	16	supporting	support	VERB
easat-1666	184	17	the	the	DET
easat-1666	184	18	financial	financial	ADJ
easat-1666	184	19	services	service	NOUN
easat-1666	184	20	and	and	CCONJ
easat-1666	184	21	knowledge	knowledge	NOUN
easat-1666	184	22	sector	sector	NOUN
easat-1666	184	23	,	,	PUNCT
easat-1666	184	24	al	al	PROPN
easat-1666	184	25	-	-	PUNCT
easat-1666	184	26	ijtihad	ijtihad	PROPN
easat-1666	184	27	journal	journal	NOUN
easat-1666	184	28	of	of	ADP
easat-1666	184	29	legal	legal	ADJ
easat-1666	184	30	and	and	CCONJ
easat-1666	184	31	economic	economic	ADJ
easat-1666	184	32	studies	study	NOUN
easat-1666	184	33	,	,	PUNCT
easat-1666	184	34	volume	volume	NOUN
easat-1666	184	35	07	07	NUM
easat-1666	184	36	,	,	PUNCT
easat-1666	184	37	issue	issue	NOUN
easat-1666	184	38	03	03	NUM
easat-1666	184	39	,	,	PUNCT
easat-1666	184	40	setif	setif	PROPN
easat-1666	184	41	university	university	PROPN
easat-1666	184	42	01	01	NUM
easat-1666	184	43	,	,	PUNCT
easat-1666	184	44	2018	2018	NUM
easat-1666	184	45	[	[	SYM
easat-1666	184	46	19	19	NUM
easat-1666	184	47	]	]	PUNCT
easat-1666	184	48	hani	hani	PROPN
easat-1666	184	49	ahmed	ahmed	PROPN
easat-1666	184	50	mahmoud	mahmoud	PROPN
easat-1666	184	51	dabik	dabik	PROPN
easat-1666	184	52	,	,	PUNCT
easat-1666	184	53	the	the	DET
easat-1666	184	54	relationship	relationship	NOUN
easat-1666	184	55	between	between	ADP
easat-1666	184	56	the	the	DET
easat-1666	184	57	application	application	NOUN
easat-1666	184	58	of	of	ADP
easat-1666	184	59	the	the	DET
easat-1666	184	60	capital	capital	NOUN
easat-1666	184	61	standard	standard	NOUN
easat-1666	184	62	according	accord	VERB
easat-1666	184	63	to	to	ADP
easat-1666	184	64	the	the	DET
easat-1666	184	65	basel	basel	PROPN
easat-1666	184	66	committee	committee	PROPN
easat-1666	184	67	’s	’s	PART
easat-1666	184	68	decisions	decision	NOUN
easat-1666	184	69	,	,	PUNCT
easat-1666	184	70	and	and	CCONJ
easat-1666	184	71	the	the	DET
easat-1666	184	72	profitability	profitability	NOUN
easat-1666	184	73	of	of	ADP
easat-1666	184	74	local	local	ADJ
easat-1666	184	75	commercial	commercial	ADJ
easat-1666	184	76	banks	bank	NOUN
easat-1666	184	77	in	in	ADP
easat-1666	184	78	palestine	palestine	PROPN
easat-1666	184	79	,	,	PUNCT
easat-1666	184	80	a	a	DET
easat-1666	184	81	thesis	thesis	NOUN
easat-1666	184	82	that	that	PRON
easat-1666	184	83	will	will	AUX
easat-1666	184	84	be	be	AUX
easat-1666	184	85	included	include	VERB
easat-1666	184	86	in	in	ADP
easat-1666	184	87	the	the	DET
easat-1666	184	88	requirements	requirement	NOUN
easat-1666	184	89	for	for	ADP
easat-1666	184	90	obtaining	obtain	VERB
easat-1666	184	91	a	a	DET
easat-1666	184	92	master	master	NOUN
easat-1666	184	93	’s	’s	PART
easat-1666	184	94	degree	degree	NOUN
easat-1666	184	95	in	in	ADP
easat-1666	184	96	accounting	accounting	NOUN
easat-1666	184	97	and	and	CCONJ
easat-1666	184	98	finance	finance	NOUN
easat-1666	184	99	,	,	PUNCT
easat-1666	184	100	faculty	faculty	NOUN
easat-1666	184	101	of	of	ADP
easat-1666	184	102	commerce	commerce	PROPN
easat-1666	184	103	,	,	PUNCT
easat-1666	184	104	islamic	islamic	PROPN
easat-1666	184	105	university	university	PROPN
easat-1666	184	106	,	,	PUNCT
easat-1666	184	107	gaza	gaza	PROPN
easat-1666	184	108	,	,	PUNCT
easat-1666	184	109	2015	2015	NUM
easat-1666	184	110	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1666	184	111	422	422	NUM
easat-1666	184	112	edelweiss	edelweiss	PROPN
easat-1666	184	113	applied	apply	VERB
easat-1666	184	114	science	science	NOUN
easat-1666	184	115	and	and	CCONJ
easat-1666	184	116	technology	technology	NOUN
easat-1666	184	117	issn	issn	PROPN
easat-1666	184	118	:	:	PUNCT
easat-1666	184	119	2576	2576	NUM
easat-1666	184	120	-	-	SYM
easat-1666	184	121	8484	8484	NUM
easat-1666	184	122	vol	vol	NOUN
easat-1666	184	123	.	.	PROPN
easat-1666	184	124	8	8	NUM
easat-1666	184	125	,	,	PUNCT
easat-1666	184	126	no	no	INTJ
easat-1666	184	127	.	.	NOUN
easat-1666	185	1	3	3	NUM
easat-1666	185	2	:	:	PUNCT
easat-1666	185	3	412	412	NUM
easat-1666	185	4	-	-	SYM
easat-1666	185	5	422	422	NUM
easat-1666	185	6	,	,	PUNCT
easat-1666	185	7	2024	2024	NUM
easat-1666	185	8	doi	doi	NOUN
easat-1666	185	9	:	:	PUNCT
easat-1666	185	10	10.55214/25768484.v8i3.1666	10.55214/25768484.v8i3.1666	NUM
easat-1666	185	11	©	©	PROPN
easat-1666	185	12	2024	2024	NUM
easat-1666	185	13	by	by	ADP
easat-1666	185	14	the	the	DET
easat-1666	185	15	authors	author	NOUN
easat-1666	185	16	;	;	PUNCT
easat-1666	185	17	licensee	licensee	PROPN
easat-1666	185	18	learning	learning	NOUN
easat-1666	185	19	gate	gate	NOUN
easat-1666	186	1	[	[	X
easat-1666	186	2	20	20	NUM
easat-1666	186	3	]	]	X
easat-1666	186	4	al	al	PROPN
easat-1666	186	5	-	-	PUNCT
easat-1666	186	6	yassin	yassin	PROPN
easat-1666	186	7	,	,	PUNCT
easat-1666	186	8	ahmed	ahmed	PROPN
easat-1666	186	9	abdel	abdel	PROPN
easat-1666	186	10	karim	karim	PROPN
easat-1666	186	11	muhammad	muhammad	PROPN
easat-1666	186	12	,	,	PUNCT
easat-1666	186	13	2019	2019	NUM
easat-1666	186	14	,	,	PUNCT
easat-1666	186	15	the	the	DET
easat-1666	186	16	role	role	NOUN
easat-1666	186	17	of	of	ADP
easat-1666	186	18	partial	partial	ADJ
easat-1666	186	19	variables	variable	NOUN
easat-1666	186	20	in	in	ADP
easat-1666	186	21	determining	determine	VERB
easat-1666	186	22	the	the	DET
easat-1666	186	23	market	market	NOUN
easat-1666	186	24	value	value	NOUN
easat-1666	186	25	of	of	ADP
easat-1666	186	26	shares	share	NOUN
easat-1666	186	27	(	(	PUNCT
easat-1666	186	28	an	an	DET
easat-1666	186	29	applied	apply	VERB
easat-1666	186	30	study	study	NOUN
easat-1666	186	31	of	of	ADP
easat-1666	186	32	a	a	DET
easat-1666	186	33	sample	sample	NOUN
easat-1666	186	34	of	of	ADP
easat-1666	186	35	companies	company	NOUN
easat-1666	186	36	listed	list	VERB
easat-1666	186	37	on	on	ADP
easat-1666	186	38	the	the	DET
easat-1666	186	39	iraq	iraq	PROPN
easat-1666	186	40	stock	stock	NOUN
easat-1666	186	41	exchange	exchange	NOUN
easat-1666	186	42	for	for	ADP
easat-1666	186	43	the	the	DET
easat-1666	186	44	period	period	NOUN
easat-1666	186	45	from	from	ADP
easat-1666	186	46	2015	2015	NUM
easat-1666	186	47	to	to	ADP
easat-1666	186	48	2018	2018	NUM
easat-1666	186	49	)	)	PUNCT
easat-1666	186	50	,	,	PUNCT
easat-1666	186	51	master	master	NOUN
easat-1666	186	52	’s	’s	PART
easat-1666	186	53	thesis	thesis	NOUN
easat-1666	186	54	from	from	ADP
easat-1666	186	55	the	the	DET
easat-1666	186	56	college	college	PROPN
easat-1666	186	57	of	of	ADP
easat-1666	186	58	administration	administration	PROPN
easat-1666	186	59	and	and	CCONJ
easat-1666	186	60	economics	economics	PROPN
easat-1666	186	61	university	university	PROPN
easat-1666	186	62	of	of	ADP
easat-1666	186	63	basra	basra	PROPN
easat-1666	186	64	.	.	PUNCT
easat-1666	187	1	[	[	X
easat-1666	187	2	21	21	NUM
easat-1666	187	3	]	]	X
easat-1666	187	4	youssef	youssef	PROPN
easat-1666	187	5	hassan	hassan	PROPN
easat-1666	187	6	youssef	youssef	PROPN
easat-1666	187	7	,	,	PUNCT
easat-1666	187	8	electronic	electronic	ADJ
easat-1666	187	9	banks	bank	NOUN
easat-1666	187	10	,	,	PUNCT
easat-1666	187	11	national	national	ADJ
easat-1666	187	12	center	center	NOUN
easat-1666	187	13	for	for	ADP
easat-1666	187	14	legal	legal	ADJ
easat-1666	187	15	publications	publication	NOUN
easat-1666	187	16	,	,	PUNCT
easat-1666	187	17	cairo	cairo	PROPN
easat-1666	187	18	,	,	PUNCT
easat-1666	187	19	2012	2012	NUM
easat-1666	187	20	[	[	X
easat-1666	187	21	22	22	NUM
easat-1666	187	22	]	]	PUNCT
easat-1666	187	23	reilly	reilly	PROPN
easat-1666	187	24	,	,	PUNCT
easat-1666	187	25	frank	frank	PROPN
easat-1666	187	26	k	k	PROPN
easat-1666	187	27	&	&	CCONJ
easat-1666	187	28	brown	brown	PROPN
easat-1666	187	29	,	,	PUNCT
easat-1666	187	30	keith	keith	PROPN
easat-1666	187	31	c	c	PROPN
easat-1666	187	32	,	,	PUNCT
easat-1666	187	33	2012	2012	NUM
easat-1666	187	34	,	,	PUNCT
easat-1666	187	35	analysis	analysis	NOUN
easat-1666	187	36	of	of	ADP
easat-1666	187	37	investment	investment	NOUN
easat-1666	187	38	&	&	CCONJ
easat-1666	187	39	management	management	NOUN
easat-1666	187	40	of	of	ADP
easat-1666	187	41	portfolios	portfolio	NOUN
easat-1666	187	42	,	,	PUNCT
easat-1666	187	43	10th	10th	ADJ
easat-1666	187	44	ed	ed	NOUN
easat-1666	187	45	,	,	PUNCT
easat-1666	187	46	southwestern	southwestern	ADJ
easat-1666	187	47	,	,	PUNCT
easat-1666	187	48	[	[	X
easat-1666	187	49	23	23	NUM
easat-1666	187	50	]	]	PUNCT
easat-1666	187	51	ross	ross	PROPN
easat-1666	187	52	,	,	PUNCT
easat-1666	187	53	a.s	a.s	PROPN
easat-1666	187	54	.	.	PROPN
easat-1666	187	55	westerfield	westerfield	PROPN
easat-1666	187	56	w.r	w.r	PROPN
easat-1666	187	57	.	.	PROPN
easat-1666	187	58	&	&	CCONJ
easat-1666	187	59	jordan	jordan	PROPN
easat-1666	187	60	d.d	d.d	PROPN
easat-1666	187	61	,	,	PUNCT
easat-1666	187	62	2002	2002	NUM
easat-1666	187	63	,	,	PUNCT
easat-1666	187	64	fundomentals	fundomental	NOUN
easat-1666	187	65	of	of	ADP
easat-1666	187	66	corporate	corporate	ADJ
easat-1666	187	67	finsnce	finsnce	NOUN
easat-1666	187	68	,	,	PUNCT
easat-1666	187	69	2nd	2nd	ADJ
easat-1666	187	70	ed	ed	PROPN
easat-1666	187	71	[	[	X
easat-1666	187	72	24	24	NUM
easat-1666	187	73	]	]	X
easat-1666	187	74	cleo	cleo	PROPN
easat-1666	187	75	rose	rise	VERB
easat-1666	187	76	innes	inne	NOUN
easat-1666	187	77	and	and	CCONJ
easat-1666	187	78	jacqueline	jacqueline	PROPN
easat-1666	187	79	andrieu	andrieu	PROPN
easat-1666	187	80	,	,	PUNCT
easat-1666	187	81	2022	2022	NUM
easat-1666	187	82	.	.	PUNCT
easat-1666	187	83	"	"	PUNCT
easat-1666	188	1	banking	banking	NOUN
easat-1666	188	2	on	on	ADP
easat-1666	188	3	fintech	fintech	NOUN
easat-1666	188	4	in	in	ADP
easat-1666	188	5	emerging	emerge	VERB
easat-1666	188	6	markets	market	NOUN
easat-1666	188	7	"	"	PUNCT
easat-1666	188	8	,	,	PUNCT
easat-1666	188	9	this	this	DET
easat-1666	188	10	publication	publication	NOUN
easat-1666	188	11	may	may	AUX
easat-1666	188	12	be	be	AUX
easat-1666	188	13	reused	reuse	VERB
easat-1666	188	14	for	for	ADP
easat-1666	188	15	noncommercial	noncommercial	ADJ
easat-1666	188	16	purposes	purpose	NOUN
easat-1666	188	17	if	if	SCONJ
easat-1666	188	18	the	the	DET
easat-1666	188	19	source	source	NOUN
easat-1666	188	20	is	be	AUX
easat-1666	188	21	cited	cite	VERB
easat-1666	188	22	as	as	ADP
easat-1666	188	23	ifc	ifc	NOUN
easat-1666	188	24	,	,	PUNCT
easat-1666	188	25	a	a	DET
easat-1666	188	26	member	member	NOUN
easat-1666	188	27	of	of	ADP
easat-1666	188	28	the	the	DET
easat-1666	188	29	world	world	PROPN
easat-1666	188	30	bank	bank	PROPN
easat-1666	188	31	group	group	NOUN
easat-1666	189	1	[	[	X
easat-1666	189	2	25	25	NUM
easat-1666	189	3	]	]	PUNCT
easat-1666	189	4	jacque	jacque	PROPN
easat-1666	189	5	laurent	laurent	PROPN
easat-1666	189	6	l.(2007	l.(2007	PROPN
easat-1666	189	7	)	)	PUNCT
easat-1666	189	8	,	,	PUNCT
easat-1666	189	9	“	"	PUNCT
easat-1666	189	10	financial	financial	ADJ
easat-1666	189	11	innovations	innovation	NOUN
easat-1666	189	12	and	and	CCONJ
easat-1666	189	13	the	the	DET
easat-1666	189	14	dynamics	dynamic	NOUN
easat-1666	189	15	of	of	ADP
easat-1666	189	16	emeging	emege	VERB
easat-1666	189	17	capital	capital	NOUN
easat-1666	189	18	markets	market	NOUN
easat-1666	189	19	”	"	PUNCT
easat-1666	190	1	[	[	X
easat-1666	190	2	26	26	NUM
easat-1666	190	3	]	]	X
easat-1666	190	4	mohammad	mohammad	PROPN
easat-1666	190	5	,	,	PUNCT
easat-1666	190	6	raheem	raheem	PROPN
easat-1666	190	7	abed	abe	VERB
easat-1666	190	8	,	,	PUNCT
easat-1666	190	9	2022	2022	NUM
easat-1666	190	10	,	,	PUNCT
easat-1666	190	11	working	work	VERB
easat-1666	190	12	capital	capital	NOUN
easat-1666	190	13	financingof	financingof	VERB
easat-1666	190	14	corporate	corporate	ADJ
easat-1666	190	15	finsnce	finsnce	NOUN
easat-1666	190	16	,	,	PUNCT
easat-1666	190	17	2nd	2nd	ADJ
easat-1666	190	18	ed	ed	NOUN
easat-1666	191	1	[	[	X
easat-1666	191	2	27	27	NUM
easat-1666	191	3	]	]	X
easat-1666	191	4	schindler	schindler	NOUN
easat-1666	191	5	,	,	PUNCT
easat-1666	191	6	j.	j.	PROPN
easat-1666	191	7	(	(	PUNCT
easat-1666	191	8	2017	2017	NUM
easat-1666	191	9	)	)	PUNCT
easat-1666	191	10	.	.	PUNCT
easat-1666	192	1	“	"	PUNCT
easat-1666	192	2	fintech	fintech	NOUN
easat-1666	192	3	and	and	CCONJ
easat-1666	192	4	financial	financial	ADJ
easat-1666	192	5	innovation	innovation	NOUN
easat-1666	192	6	:	:	PUNCT
easat-1666	192	7	drivers	driver	NOUN
easat-1666	192	8	and	and	CCONJ
easat-1666	192	9	depth	depth	NOUN
easat-1666	192	10	“	"	PUNCT
easat-1666	192	11	,	,	PUNCT
easat-1666	192	12	feds	feds	PROPN
easat-1666	192	13	wp	wp	PROPN
easat-1666	192	14	no	no	INTJ
easat-1666	192	15	.	.	PUNCT
easat-1666	193	1	n	n	PRON
easat-1666	193	2	2017	2017	NUM
easat-1666	193	3	-	-	SYM
easat-1666	193	4	081	081	NUM
easat-1666	193	5	.	.	PUNCT
easat-1666	194	1	[	[	X
easat-1666	194	2	28	28	NUM
easat-1666	194	3	]	]	X
easat-1666	194	4	stephen	stephen	PROPN
easat-1666	194	5	murchison	murchison	PROPN
easat-1666	194	6	,	,	PUNCT
easat-1666	194	7	a.	a.	NOUN
easat-1666	194	8	o	o	NOUN
easat-1666	194	9	,	,	PUNCT
easat-1666	194	10	fintech	fintech	NOUN
easat-1666	194	11	and	and	CCONJ
easat-1666	194	12	market	market	NOUN
easat-1666	194	13	structure	structure	NOUN
easat-1666	194	14	in	in	ADP
easat-1666	194	15	financial	financial	ADJ
easat-1666	194	16	services	service	NOUN
easat-1666	194	17	,	,	PUNCT
easat-1666	194	18	financial	financial	ADJ
easat-1666	194	19	stability	stability	NOUN
easat-1666	194	20	board	board	PROPN
easat-1666	194	21	,	,	PUNCT
easat-1666	194	22	switzerland	switzerland	PROPN
easat-1666	194	23	,	,	PUNCT
easat-1666	194	24	2019	2019	NUM
easat-1666	194	25	[	[	X
easat-1666	194	26	29	29	NUM
easat-1666	194	27	]	]	X
easat-1666	194	28	titman	titman	NOUN
easat-1666	194	29	,	,	PUNCT
easat-1666	194	30	sheridan	sheridan	PROPN
easat-1666	194	31	&	&	CCONJ
easat-1666	194	32	ke0wn	ke0wn	PROPN
easat-1666	194	33	,	,	PUNCT
easat-1666	194	34	arthur	arthur	PROPN
easat-1666	194	35	j	j	PROPN
easat-1666	194	36	&	&	CCONJ
easat-1666	194	37	martin	martin	PROPN
easat-1666	194	38	,	,	PUNCT
easat-1666	194	39	john	john	PROPN
easat-1666	194	40	d	d	PROPN
easat-1666	194	41	,	,	PUNCT
easat-1666	194	42	2011	2011	NUM
easat-1666	194	43	financial	financial	ADJ
easat-1666	194	44	management	management	NOUN
easat-1666	194	45	principles	principle	NOUN
easat-1666	194	46	and	and	CCONJ
easat-1666	194	47	applications	application	NOUN
easat-1666	194	48	,	,	PUNCT
easat-1666	194	49	custom	custom	NOUN
easat-1666	194	50	edition	edition	NOUN
easat-1666	194	51	for	for	ADP
easat-1666	194	52	texas	texas	PROPN
easat-1666	194	53	tech	tech	PROPN
easat-1666	194	54	university	university	PROPN
easat-1666	194	55	.	.	PUNCT
easat-1666	195	1	[	[	X
easat-1666	195	2	30	30	NUM
easat-1666	195	3	]	]	X
easat-1666	195	4	zhang	zhang	PROPN
easat-1666	195	5	,	,	PUNCT
easat-1666	195	6	mei	mei	PROPN
easat-1666	195	7	,	,	PUNCT
easat-1666	195	8	2008	2008	NUM
easat-1666	195	9	,	,	PUNCT
easat-1666	195	10	a	a	DET
easat-1666	195	11	theoretical	theoretical	ADJ
easat-1666	195	12	and	and	CCONJ
easat-1666	195	13	empirical	empirical	ADJ
easat-1666	195	14	study	study	NOUN
easat-1666	195	15	of	of	ADP
easat-1666	195	16	computing	compute	VERB
easat-1666	195	17	per	per	ADP
easat-1666	195	18	share	share	NOUN
easat-1666	195	19	,	,	PUNCT
easat-1666	195	20	dissertation	dissertation	NOUN
easat-1666	195	21	submitted	submit	VERB
easat-1666	195	22	to	to	ADP
easat-1666	195	23	the	the	DET
easat-1666	195	24	faculty	faculty	NOUN
easat-1666	195	25	of	of	ADP
easat-1666	195	26	the	the	DET
easat-1666	195	27	graduate	graduate	ADJ
easat-1666	195	28	school	school	NOUN
easat-1666	195	29	of	of	ADP
easat-1666	195	30	the	the	DET
easat-1666	195	31	university	university	PROPN
easat-1666	195	32	of	of	ADP
easat-1666	195	33	maryland	maryland	PROPN
easat-1666	195	34	,	,	PUNCT
easat-1666	195	35	college	college	NOUN
easat-1666	195	36	park	park	NOUN
easat-1666	195	37	,	,	PUNCT
easat-1666	195	38	in	in	ADP
easat-1666	195	39	partial	partial	ADJ
easat-1666	195	40	fulfillment	fulfillment	NOUN
easat-1666	195	41	of	of	ADP
easat-1666	195	42	the	the	DET
easat-1666	195	43	requirements	requirement	NOUN
easat-1666	195	44	for	for	ADP
easat-1666	195	45	the	the	DET
easat-1666	195	46	degree	degree	NOUN
easat-1666	195	47	of	of	ADP
easat-1666	195	48	doctor	doctor	NOUN
easat-1666	195	49	of	of	ADP
easat-1666	195	50	philosophy	philosophy	NOUN