id	sid	tid	token	lemma	pos
easat-2128	1	1	edelweiss	edelweiss	PROPN
easat-2128	1	2	applied	apply	VERB
easat-2128	1	3	science	science	NOUN
easat-2128	1	4	and	and	CCONJ
easat-2128	1	5	technology	technology	NOUN
easat-2128	1	6	issn	issn	PROPN
easat-2128	1	7	:	:	PUNCT
easat-2128	1	8	2576	2576	NUM
easat-2128	1	9	-	-	SYM
easat-2128	1	10	8484	8484	NUM
easat-2128	1	11	vol	vol	NOUN
easat-2128	1	12	.	.	PROPN
easat-2128	1	13	8	8	NUM
easat-2128	1	14	,	,	PUNCT
easat-2128	1	15	no	no	INTJ
easat-2128	1	16	.	.	NOUN
easat-2128	1	17	6	6	NUM
easat-2128	1	18	,	,	PUNCT
easat-2128	1	19	559	559	NUM
easat-2128	1	20	-	-	SYM
easat-2128	1	21	571	571	NUM
easat-2128	1	22	2024	2024	NUM
easat-2128	1	23	publisher	publisher	NOUN
easat-2128	1	24	:	:	PUNCT
easat-2128	1	25	learning	learn	VERB
easat-2128	1	26	gate	gate	NOUN
easat-2128	1	27	doi	doi	PROPN
easat-2128	1	28	:	:	PUNCT
easat-2128	1	29	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	1	30	©	©	PROPN
easat-2128	1	31	2024	2024	NUM
easat-2128	1	32	by	by	ADP
easat-2128	1	33	the	the	DET
easat-2128	1	34	authors	author	NOUN
easat-2128	1	35	;	;	PUNCT
easat-2128	1	36	licensee	licensee	PROPN
easat-2128	1	37	learning	learning	NOUN
easat-2128	1	38	gate	gate	NOUN
easat-2128	1	39	©	©	PROPN
easat-2128	1	40	2024	2024	NUM
easat-2128	1	41	by	by	ADP
easat-2128	1	42	the	the	DET
easat-2128	1	43	authors	author	NOUN
easat-2128	1	44	;	;	PUNCT
easat-2128	1	45	licensee	licensee	PROPN
easat-2128	1	46	learning	learn	VERB
easat-2128	1	47	gate	gate	NOUN
easat-2128	1	48	*	*	PUNCT
easat-2128	1	49	correspondence	correspondence	NOUN
easat-2128	1	50	:	:	PUNCT
easat-2128	1	51	nur.hidayat-2019@feb.unair.ac.id	nur.hidayat-2019@feb.unair.ac.id	NUM
easat-2128	1	52	digitalization	digitalization	NOUN
easat-2128	1	53	and	and	CCONJ
easat-2128	1	54	diversification	diversification	NOUN
easat-2128	1	55	strategies	strategy	NOUN
easat-2128	1	56	for	for	ADP
easat-2128	1	57	effective	effective	ADJ
easat-2128	1	58	bank	bank	NOUN
easat-2128	1	59	liquidity	liquidity	NOUN
easat-2128	1	60	management	management	NOUN
easat-2128	1	61	in	in	ADP
easat-2128	1	62	emerging	emerge	VERB
easat-2128	1	63	markets	market	NOUN
easat-2128	1	64	nur	nur	VERB
easat-2128	1	65	hidayat1	hidayat1	NOUN
easat-2128	1	66	*	*	SYM
easat-2128	1	67	,	,	PUNCT
easat-2128	1	68	muslich	muslich	PROPN
easat-2128	1	69	anshari2	anshari2	NOUN
easat-2128	1	70	,	,	PUNCT
easat-2128	1	71	rahmat	rahmat	NOUN
easat-2128	1	72	setiawan3	setiawan3	NOUN
easat-2128	1	73	1,3department	1,3department	NUM
easat-2128	1	74	of	of	ADP
easat-2128	1	75	management	management	NOUN
easat-2128	1	76	,	,	PUNCT
easat-2128	1	77	business	business	NOUN
easat-2128	1	78	economics	economic	NOUN
easat-2128	1	79	faculty	faculty	NOUN
easat-2128	1	80	airlangga	airlangga	PROPN
easat-2128	1	81	university	university	PROPN
easat-2128	1	82	;	;	PUNCT
easat-2128	1	83	nur.hidayat-2019@feb.unair.ac.id	nur.hidayat-2019@feb.unair.ac.id	NUM
easat-2128	1	84	(	(	PUNCT
easat-2128	1	85	n.h	n.h	PROPN
easat-2128	1	86	.	.	PUNCT
easat-2128	1	87	)	)	PUNCT
easat-2128	2	1	rahmatsetiawan@feb.unair.ac.id	rahmatsetiawan@feb.unair.ac.id	NOUN
easat-2128	2	2	(	(	PUNCT
easat-2128	2	3	r.s	r.s	PROPN
easat-2128	2	4	.	.	PUNCT
easat-2128	2	5	)	)	PUNCT
easat-2128	3	1	2department	2department	NUM
easat-2128	3	2	of	of	ADP
easat-2128	3	3	accounting	accounting	NOUN
easat-2128	3	4	,	,	PUNCT
easat-2128	3	5	business	business	NOUN
easat-2128	3	6	economics	economic	NOUN
easat-2128	3	7	faculty	faculty	NOUN
easat-2128	3	8	airlangga	airlangga	PROPN
easat-2128	3	9	university	university	PROPN
easat-2128	3	10	;	;	PUNCT
easat-2128	3	11	slich@feb.unair.ac.id	slich@feb.unair.ac.id	PROPN
easat-2128	3	12	(	(	PUNCT
easat-2128	3	13	m.a	m.a	PROPN
easat-2128	3	14	.	.	PROPN
easat-2128	3	15	)	)	PUNCT
easat-2128	4	1	abstract	abstract	NOUN
easat-2128	4	2	:	:	PUNCT
easat-2128	4	3	the	the	DET
easat-2128	4	4	purpose	purpose	NOUN
easat-2128	4	5	of	of	ADP
easat-2128	4	6	this	this	DET
easat-2128	4	7	study	study	NOUN
easat-2128	4	8	is	be	AUX
easat-2128	4	9	to	to	PART
easat-2128	4	10	examine	examine	VERB
easat-2128	4	11	the	the	DET
easat-2128	4	12	impact	impact	NOUN
easat-2128	4	13	of	of	ADP
easat-2128	4	14	income	income	NOUN
easat-2128	4	15	,	,	PUNCT
easat-2128	4	16	assets	asset	NOUN
easat-2128	4	17	,	,	PUNCT
easat-2128	4	18	and	and	CCONJ
easat-2128	4	19	geographic	geographic	ADJ
easat-2128	4	20	diversity	diversity	NOUN
easat-2128	4	21	on	on	ADP
easat-2128	4	22	bank	bank	NOUN
easat-2128	4	23	liquidity	liquidity	NOUN
easat-2128	4	24	in	in	ADP
easat-2128	4	25	the	the	DET
easat-2128	4	26	indonesian	indonesian	ADJ
easat-2128	4	27	banking	banking	NOUN
easat-2128	4	28	sector	sector	NOUN
easat-2128	4	29	.	.	PUNCT
easat-2128	5	1	this	this	DET
easat-2128	5	2	study	study	NOUN
easat-2128	5	3	uses	use	VERB
easat-2128	5	4	purposive	purposive	ADJ
easat-2128	5	5	sampling	sampling	NOUN
easat-2128	5	6	and	and	CCONJ
easat-2128	5	7	multiple	multiple	ADJ
easat-2128	5	8	regression	regression	NOUN
easat-2128	5	9	analysis	analysis	NOUN
easat-2128	5	10	(	(	PUNCT
easat-2128	5	11	mra	mra	NOUN
easat-2128	5	12	)	)	PUNCT
easat-2128	5	13	to	to	PART
easat-2128	5	14	investigate	investigate	VERB
easat-2128	5	15	the	the	DET
easat-2128	5	16	impact	impact	NOUN
easat-2128	5	17	of	of	ADP
easat-2128	5	18	digital	digital	ADJ
easat-2128	5	19	banking	banking	NOUN
easat-2128	5	20	on	on	ADP
easat-2128	5	21	bank	bank	NOUN
easat-2128	5	22	liquidity	liquidity	NOUN
easat-2128	5	23	,	,	PUNCT
easat-2128	5	24	as	as	SCONJ
easat-2128	5	25	measured	measure	VERB
easat-2128	5	26	by	by	ADP
easat-2128	5	27	the	the	DET
easat-2128	5	28	loan	loan	NOUN
easat-2128	5	29	-	-	PUNCT
easat-2128	5	30	to	to	ADP
easat-2128	5	31	-	-	PUNCT
easat-2128	5	32	deposit	deposit	NOUN
easat-2128	5	33	ratio	ratio	NOUN
easat-2128	5	34	(	(	PUNCT
easat-2128	5	35	ldr	ldr	PROPN
easat-2128	5	36	)	)	PUNCT
easat-2128	5	37	and	and	CCONJ
easat-2128	5	38	liquidity	liquidity	NOUN
easat-2128	5	39	ratio	ratio	NOUN
easat-2128	5	40	.	.	PUNCT
easat-2128	6	1	the	the	DET
easat-2128	6	2	sample	sample	NOUN
easat-2128	6	3	used	use	VERB
easat-2128	6	4	is	be	AUX
easat-2128	6	5	87	87	NUM
easat-2128	6	6	banks	bank	NOUN
easat-2128	6	7	in	in	ADP
easat-2128	6	8	indonesia	indonesia	PROPN
easat-2128	6	9	,	,	PUNCT
easat-2128	6	10	which	which	PRON
easat-2128	6	11	include	include	VERB
easat-2128	6	12	state	state	NOUN
easat-2128	6	13	-	-	PUNCT
easat-2128	6	14	owned	own	VERB
easat-2128	6	15	banks	bank	NOUN
easat-2128	6	16	,	,	PUNCT
easat-2128	6	17	commercial	commercial	ADJ
easat-2128	6	18	banks	bank	NOUN
easat-2128	6	19	,	,	PUNCT
easat-2128	6	20	regional	regional	ADJ
easat-2128	6	21	development	development	NOUN
easat-2128	6	22	banks	bank	NOUN
easat-2128	6	23	,	,	PUNCT
easat-2128	6	24	and	and	CCONJ
easat-2128	6	25	islamic	islamic	ADJ
easat-2128	6	26	banks	bank	NOUN
easat-2128	6	27	.	.	PUNCT
easat-2128	7	1	the	the	DET
easat-2128	7	2	key	key	ADJ
easat-2128	7	3	findings	finding	NOUN
easat-2128	7	4	of	of	ADP
easat-2128	7	5	this	this	DET
easat-2128	7	6	study	study	NOUN
easat-2128	7	7	indicate	indicate	VERB
easat-2128	7	8	that	that	SCONJ
easat-2128	7	9	income	income	NOUN
easat-2128	7	10	and	and	CCONJ
easat-2128	7	11	asset	asset	NOUN
easat-2128	7	12	diversification	diversification	NOUN
easat-2128	7	13	significantly	significantly	ADV
easat-2128	7	14	affect	affect	VERB
easat-2128	7	15	bank	bank	NOUN
easat-2128	7	16	liquidity	liquidity	NOUN
easat-2128	7	17	,	,	PUNCT
easat-2128	7	18	with	with	ADP
easat-2128	7	19	income	income	NOUN
easat-2128	7	20	diversification	diversification	NOUN
easat-2128	7	21	having	have	VERB
easat-2128	7	22	a	a	DET
easat-2128	7	23	negative	negative	ADJ
easat-2128	7	24	effect	effect	NOUN
easat-2128	7	25	on	on	ADP
easat-2128	7	26	the	the	DET
easat-2128	7	27	loan	loan	NOUN
easat-2128	7	28	-	-	PUNCT
easat-2128	7	29	to	to	ADP
easat-2128	7	30	-	-	PUNCT
easat-2128	7	31	deposit	deposit	NOUN
easat-2128	7	32	ratio	ratio	NOUN
easat-2128	7	33	(	(	PUNCT
easat-2128	7	34	ldr	ldr	PROPN
easat-2128	7	35	)	)	PUNCT
easat-2128	7	36	.	.	PUNCT
easat-2128	8	1	the	the	DET
easat-2128	8	2	use	use	NOUN
easat-2128	8	3	of	of	ADP
easat-2128	8	4	digital	digital	ADJ
easat-2128	8	5	banking	banking	NOUN
easat-2128	8	6	simplifies	simplifie	NOUN
easat-2128	8	7	the	the	DET
easat-2128	8	8	relationship	relationship	NOUN
easat-2128	8	9	between	between	ADP
easat-2128	8	10	diversification	diversification	NOUN
easat-2128	8	11	strategy	strategy	NOUN
easat-2128	8	12	and	and	CCONJ
easat-2128	8	13	liquidity	liquidity	NOUN
easat-2128	8	14	,	,	PUNCT
easat-2128	8	15	thereby	thereby	ADV
easat-2128	8	16	improving	improve	VERB
easat-2128	8	17	banks	bank	NOUN
easat-2128	8	18	'	'	PART
easat-2128	8	19	ability	ability	NOUN
easat-2128	8	20	to	to	PART
easat-2128	8	21	manage	manage	VERB
easat-2128	8	22	liquidity	liquidity	NOUN
easat-2128	8	23	.	.	PUNCT
easat-2128	9	1	however	however	ADV
easat-2128	9	2	,	,	PUNCT
easat-2128	9	3	despite	despite	SCONJ
easat-2128	9	4	digital	digital	ADJ
easat-2128	9	5	integration	integration	NOUN
easat-2128	9	6	,	,	PUNCT
easat-2128	9	7	asset	asset	NOUN
easat-2128	9	8	diversification	diversification	NOUN
easat-2128	9	9	continues	continue	VERB
easat-2128	9	10	to	to	PART
easat-2128	9	11	show	show	VERB
easat-2128	9	12	an	an	DET
easat-2128	9	13	adverse	adverse	ADJ
easat-2128	9	14	correlation	correlation	NOUN
easat-2128	9	15	with	with	ADP
easat-2128	9	16	liquidity	liquidity	NOUN
easat-2128	9	17	,	,	PUNCT
easat-2128	9	18	indicating	indicate	VERB
easat-2128	9	19	limitations	limitation	NOUN
easat-2128	9	20	in	in	ADP
easat-2128	9	21	its	its	PRON
easat-2128	9	22	effectiveness	effectiveness	NOUN
easat-2128	9	23	.	.	PUNCT
easat-2128	10	1	the	the	DET
easat-2128	10	2	study	study	NOUN
easat-2128	10	3	concludes	conclude	VERB
easat-2128	10	4	that	that	SCONJ
easat-2128	10	5	while	while	SCONJ
easat-2128	10	6	digital	digital	ADJ
easat-2128	10	7	banking	banking	NOUN
easat-2128	10	8	enhances	enhance	VERB
easat-2128	10	9	the	the	DET
easat-2128	10	10	effect	effect	NOUN
easat-2128	10	11	of	of	ADP
easat-2128	10	12	income	income	NOUN
easat-2128	10	13	diversification	diversification	NOUN
easat-2128	10	14	on	on	ADP
easat-2128	10	15	liquidity	liquidity	NOUN
easat-2128	10	16	management	management	NOUN
easat-2128	10	17	,	,	PUNCT
easat-2128	10	18	it	it	PRON
easat-2128	10	19	limits	limit	VERB
easat-2128	10	20	its	its	PRON
easat-2128	10	21	effect	effect	NOUN
easat-2128	10	22	on	on	ADP
easat-2128	10	23	asset	asset	NOUN
easat-2128	10	24	diversification	diversification	NOUN
easat-2128	10	25	.	.	PUNCT
easat-2128	11	1	this	this	PRON
easat-2128	11	2	suggests	suggest	VERB
easat-2128	11	3	that	that	SCONJ
easat-2128	11	4	digital	digital	ADJ
easat-2128	11	5	utilization	utilization	NOUN
easat-2128	11	6	is	be	AUX
easat-2128	11	7	a	a	DET
easat-2128	11	8	strategic	strategic	ADJ
easat-2128	11	9	resource	resource	NOUN
easat-2128	11	10	for	for	ADP
easat-2128	11	11	increasing	increase	VERB
easat-2128	11	12	liquidity	liquidity	NOUN
easat-2128	11	13	,	,	PUNCT
easat-2128	11	14	although	although	SCONJ
easat-2128	11	15	it	it	PRON
easat-2128	11	16	requires	require	VERB
easat-2128	11	17	focused	focused	ADJ
easat-2128	11	18	implementation	implementation	NOUN
easat-2128	11	19	.	.	PUNCT
easat-2128	12	1	these	these	DET
easat-2128	12	2	findings	finding	NOUN
easat-2128	12	3	offer	offer	VERB
easat-2128	12	4	important	important	ADJ
easat-2128	12	5	insights	insight	NOUN
easat-2128	12	6	for	for	ADP
easat-2128	12	7	bank	bank	NOUN
easat-2128	12	8	management	management	NOUN
easat-2128	12	9	and	and	CCONJ
easat-2128	12	10	policymakers	policymaker	NOUN
easat-2128	12	11	in	in	ADP
easat-2128	12	12	formulating	formulate	VERB
easat-2128	12	13	digital	digital	ADJ
easat-2128	12	14	transformation	transformation	NOUN
easat-2128	12	15	plans	plan	NOUN
easat-2128	12	16	that	that	PRON
easat-2128	12	17	enhance	enhance	VERB
easat-2128	12	18	efficient	efficient	ADJ
easat-2128	12	19	cash	cash	NOUN
easat-2128	12	20	management	management	NOUN
easat-2128	12	21	and	and	CCONJ
easat-2128	12	22	financial	financial	ADJ
easat-2128	12	23	stability	stability	NOUN
easat-2128	12	24	,	,	PUNCT
easat-2128	12	25	particularly	particularly	ADV
easat-2128	12	26	in	in	ADP
easat-2128	12	27	developing	develop	VERB
easat-2128	12	28	countries	country	NOUN
easat-2128	12	29	like	like	ADP
easat-2128	12	30	indonesia	indonesia	PROPN
easat-2128	12	31	.	.	PUNCT
easat-2128	13	1	keywords	keyword	NOUN
easat-2128	13	2	:	:	PUNCT
easat-2128	13	3	income	income	NOUN
easat-2128	13	4	diversification	diversification	NOUN
easat-2128	13	5	,	,	PUNCT
easat-2128	13	6	asset	asset	NOUN
easat-2128	13	7	diversification	diversification	NOUN
easat-2128	13	8	,	,	PUNCT
easat-2128	13	9	digital	digital	ADJ
easat-2128	13	10	banking	banking	NOUN
easat-2128	13	11	,	,	PUNCT
easat-2128	13	12	bank	bank	NOUN
easat-2128	13	13	liquidity	liquidity	NOUN
easat-2128	13	14	,	,	PUNCT
easat-2128	13	15	financial	financial	ADJ
easat-2128	13	16	stability	stability	NOUN
easat-2128	13	17	.	.	PUNCT
easat-2128	14	1	keywords	keyword	NOUN
easat-2128	14	2	:	:	PUNCT
easat-2128	14	3	asset	asset	NOUN
easat-2128	14	4	diversification	diversification	NOUN
easat-2128	14	5	,	,	PUNCT
easat-2128	14	6	digital	digital	ADJ
easat-2128	14	7	banking	banking	NOUN
easat-2128	14	8	,	,	PUNCT
easat-2128	14	9	bank	bank	NOUN
easat-2128	14	10	liquidity	liquidity	NOUN
easat-2128	14	11	,	,	PUNCT
easat-2128	14	12	financial	financial	ADJ
easat-2128	14	13	stability	stability	NOUN
easat-2128	14	14	,	,	PUNCT
easat-2128	14	15	income	income	NOUN
easat-2128	14	16	diversification	diversification	NOUN
easat-2128	14	17	.	.	PUNCT
easat-2128	15	1	jel	jel	PROPN
easat-2128	15	2	classification	classification	NOUN
easat-2128	15	3	:	:	PUNCT
easat-2128	15	4	g20	g20	NOUN
easat-2128	15	5	;	;	PUNCT
easat-2128	15	6	g21	g21	PROPN
easat-2128	15	7	.	.	PROPN
easat-2128	16	1	1	1	NUM
easat-2128	16	2	.	.	X
easat-2128	16	3	introduction	introduction	NOUN
easat-2128	16	4	the	the	DET
easat-2128	16	5	advent	advent	NOUN
easat-2128	16	6	of	of	ADP
easat-2128	16	7	information	information	NOUN
easat-2128	16	8	technology	technology	NOUN
easat-2128	16	9	has	have	AUX
easat-2128	16	10	transformed	transform	VERB
easat-2128	16	11	the	the	DET
easat-2128	16	12	competitive	competitive	ADJ
easat-2128	16	13	dynamics	dynamic	NOUN
easat-2128	16	14	and	and	CCONJ
easat-2128	16	15	revenue	revenue	NOUN
easat-2128	16	16	generation	generation	NOUN
easat-2128	16	17	models	model	NOUN
easat-2128	16	18	in	in	ADP
easat-2128	16	19	the	the	DET
easat-2128	16	20	banking	banking	NOUN
easat-2128	16	21	sector	sector	NOUN
easat-2128	16	22	.	.	PUNCT
easat-2128	17	1	however	however	ADV
easat-2128	17	2	,	,	PUNCT
easat-2128	17	3	compared	compare	VERB
easat-2128	17	4	to	to	ADP
easat-2128	17	5	other	other	ADJ
easat-2128	17	6	industries	industry	NOUN
easat-2128	17	7	,	,	PUNCT
easat-2128	17	8	banks	bank	NOUN
easat-2128	17	9	have	have	AUX
easat-2128	17	10	been	be	AUX
easat-2128	17	11	slower	slow	ADJ
easat-2128	17	12	to	to	PART
easat-2128	17	13	adopt	adopt	VERB
easat-2128	17	14	e	e	NOUN
easat-2128	17	15	-	-	NOUN
easat-2128	17	16	commerce	commerce	NOUN
easat-2128	17	17	revenue	revenue	NOUN
easat-2128	17	18	elements	element	NOUN
easat-2128	17	19	king	king	NOUN
easat-2128	18	1	[	[	X
easat-2128	18	2	1	1	NUM
easat-2128	18	3	]	]	PUNCT
easat-2128	18	4	.	.	PUNCT
easat-2128	19	1	despite	despite	SCONJ
easat-2128	19	2	extensive	extensive	ADJ
easat-2128	19	3	research	research	NOUN
easat-2128	19	4	over	over	ADP
easat-2128	19	5	five	five	NUM
easat-2128	19	6	decades	decade	NOUN
easat-2128	19	7	,	,	PUNCT
easat-2128	19	8	there	there	PRON
easat-2128	19	9	is	be	VERB
easat-2128	19	10	no	no	DET
easat-2128	19	11	consensus	consensus	NOUN
easat-2128	19	12	on	on	ADP
easat-2128	19	13	the	the	DET
easat-2128	19	14	optimal	optimal	ADJ
easat-2128	19	15	business	business	NOUN
easat-2128	19	16	model	model	NOUN
easat-2128	19	17	for	for	ADP
easat-2128	19	18	banks	bank	NOUN
easat-2128	19	19	,	,	PUNCT
easat-2128	19	20	especially	especially	ADV
easat-2128	19	21	in	in	ADP
easat-2128	19	22	developing	develop	VERB
easat-2128	19	23	nations	nation	NOUN
easat-2128	19	24	like	like	ADP
easat-2128	19	25	indonesia	indonesia	PROPN
easat-2128	19	26	.	.	PUNCT
easat-2128	19	27	chiorazzo	chiorazzo	PROPN
easat-2128	20	1	[	[	X
easat-2128	20	2	2	2	X
easat-2128	20	3	]	]	PUNCT
easat-2128	20	4	incorporated	incorporate	VERB
easat-2128	20	5	stigler	stigler	NOUN
easat-2128	20	6	's	's	PART
easat-2128	20	7	[	[	X
easat-2128	20	8	3	3	NUM
easat-2128	20	9	]	]	PUNCT
easat-2128	20	10	survival	survival	NOUN
easat-2128	20	11	notion	notion	NOUN
easat-2128	20	12	,	,	PUNCT
easat-2128	20	13	suggesting	suggest	VERB
easat-2128	20	14	that	that	SCONJ
easat-2128	20	15	banks	bank	NOUN
easat-2128	20	16	adhering	adhere	VERB
easat-2128	20	17	to	to	ADP
easat-2128	20	18	traditional	traditional	ADJ
easat-2128	20	19	practices	practice	NOUN
easat-2128	20	20	,	,	PUNCT
easat-2128	20	21	such	such	ADJ
easat-2128	20	22	as	as	ADP
easat-2128	20	23	offering	offer	VERB
easat-2128	20	24	loans	loan	NOUN
easat-2128	20	25	,	,	PUNCT
easat-2128	20	26	accepting	accept	VERB
easat-2128	20	27	deposits	deposit	NOUN
easat-2128	20	28	,	,	PUNCT
easat-2128	20	29	and	and	CCONJ
easat-2128	20	30	maintaining	maintain	VERB
easat-2128	20	31	physical	physical	ADJ
easat-2128	20	32	branches	branch	NOUN
easat-2128	20	33	,	,	PUNCT
easat-2128	20	34	are	be	AUX
easat-2128	20	35	more	more	ADV
easat-2128	20	36	likely	likely	ADJ
easat-2128	20	37	to	to	PART
easat-2128	20	38	endure	endure	VERB
easat-2128	20	39	.	.	PUNCT
easat-2128	21	1	this	this	PRON
easat-2128	21	2	is	be	AUX
easat-2128	21	3	particularly	particularly	ADV
easat-2128	21	4	true	true	ADJ
easat-2128	21	5	for	for	ADP
easat-2128	21	6	small	small	ADJ
easat-2128	21	7	banks	bank	NOUN
easat-2128	21	8	with	with	ADP
easat-2128	21	9	assets	asset	NOUN
easat-2128	21	10	between	between	ADP
easat-2128	21	11	$	$	SYM
easat-2128	21	12	50	50	NUM
easat-2128	21	13	million	million	NUM
easat-2128	21	14	and	and	CCONJ
easat-2128	21	15	usd	usd	NOUN
easat-2128	21	16	10	10	NUM
easat-2128	21	17	billion.a	billion.a	ADP
easat-2128	21	18	digital	digital	ADJ
easat-2128	21	19	technology	technology	NOUN
easat-2128	21	20	is	be	AUX
easat-2128	21	21	transforming	transform	VERB
easat-2128	21	22	banks	bank	NOUN
easat-2128	21	23	'	'	PART
easat-2128	21	24	operational	operational	ADJ
easat-2128	21	25	models	model	NOUN
easat-2128	21	26	,	,	PUNCT
easat-2128	21	27	diversifying	diversify	VERB
easat-2128	21	28	their	their	PRON
easat-2128	21	29	assets	asset	NOUN
easat-2128	21	30	and	and	CCONJ
easat-2128	21	31	services	service	NOUN
easat-2128	21	32	,	,	PUNCT
easat-2128	21	33	and	and	CCONJ
easat-2128	21	34	increasing	increase	VERB
easat-2128	21	35	non	non	ADJ
easat-2128	21	36	-	-	ADJ
easat-2128	21	37	interest	interest	ADJ
easat-2128	21	38	revenue	revenue	NOUN
easat-2128	21	39	.	.	PUNCT
easat-2128	22	1	lipton	lipton	PROPN
easat-2128	22	2	et	et	PROPN
easat-2128	22	3	al	al	PROPN
easat-2128	22	4	.	.	PUNCT
easat-2128	23	1	[	[	X
easat-2128	23	2	4	4	X
easat-2128	23	3	]	]	PUNCT
easat-2128	23	4	emphasized	emphasize	VERB
easat-2128	23	5	that	that	SCONJ
easat-2128	23	6	banking	banking	NOUN
easat-2128	23	7	activities	activity	NOUN
easat-2128	23	8	are	be	AUX
easat-2128	23	9	predominantly	predominantly	ADV
easat-2128	23	10	technological	technological	ADJ
easat-2128	23	11	and	and	CCONJ
easat-2128	23	12	mathematical	mathematical	ADJ
easat-2128	23	13	,	,	PUNCT
easat-2128	23	14	enabling	enable	VERB
easat-2128	23	15	many	many	ADJ
easat-2128	23	16	operations	operation	NOUN
easat-2128	23	17	to	to	PART
easat-2128	23	18	become	become	VERB
easat-2128	23	19	technology	technology	NOUN
easat-2128	23	20	-	-	PUNCT
easat-2128	23	21	driven	drive	VERB
easat-2128	23	22	digital	digital	ADJ
easat-2128	23	23	services	service	NOUN
easat-2128	23	24	.	.	PUNCT
easat-2128	24	1	during	during	ADP
easat-2128	24	2	this	this	DET
easat-2128	24	3	digital	digital	ADJ
easat-2128	24	4	transformation	transformation	NOUN
easat-2128	24	5	,	,	PUNCT
easat-2128	24	6	financial	financial	ADJ
easat-2128	24	7	institutions	institution	NOUN
easat-2128	24	8	face	face	VERB
easat-2128	24	9	challenges	challenge	NOUN
easat-2128	24	10	requiring	require	VERB
easat-2128	24	11	strategic	strategic	ADJ
easat-2128	24	12	,	,	PUNCT
easat-2128	24	13	technological	technological	ADJ
easat-2128	24	14	,	,	PUNCT
easat-2128	24	15	legal	legal	ADJ
easat-2128	24	16	,	,	PUNCT
easat-2128	24	17	and	and	CCONJ
easat-2128	24	18	managerial	managerial	ADJ
easat-2128	24	19	adjustments	adjustment	NOUN
easat-2128	24	20	,	,	PUNCT
easat-2128	24	21	as	as	ADV
easat-2128	24	22	well	well	ADV
easat-2128	24	23	as	as	ADP
easat-2128	24	24	new	new	ADJ
easat-2128	24	25	ways	way	NOUN
easat-2128	24	26	of	of	ADP
easat-2128	24	27	interacting	interact	VERB
easat-2128	24	28	with	with	ADP
easat-2128	24	29	staff	staff	NOUN
easat-2128	24	30	560	560	NUM
easat-2128	24	31	edelweiss	edelweiss	PROPN
easat-2128	24	32	applied	apply	VERB
easat-2128	24	33	science	science	NOUN
easat-2128	24	34	and	and	CCONJ
easat-2128	24	35	technology	technology	NOUN
easat-2128	24	36	issn	issn	PROPN
easat-2128	24	37	:	:	PUNCT
easat-2128	24	38	2576	2576	NUM
easat-2128	24	39	-	-	SYM
easat-2128	24	40	8484	8484	NUM
easat-2128	24	41	vol	vol	NOUN
easat-2128	24	42	.	.	PROPN
easat-2128	24	43	8	8	NUM
easat-2128	24	44	,	,	PUNCT
easat-2128	24	45	no	no	INTJ
easat-2128	24	46	.	.	NOUN
easat-2128	25	1	6	6	NUM
easat-2128	25	2	:	:	SYM
easat-2128	25	3	559	559	NUM
easat-2128	25	4	-	-	SYM
easat-2128	25	5	571	571	NUM
easat-2128	25	6	,	,	PUNCT
easat-2128	25	7	2024	2024	NUM
easat-2128	25	8	doi	doi	NOUN
easat-2128	25	9	:	:	PUNCT
easat-2128	25	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	25	11	©	©	PROPN
easat-2128	25	12	2024	2024	NUM
easat-2128	25	13	by	by	ADP
easat-2128	25	14	the	the	DET
easat-2128	25	15	authors	author	NOUN
easat-2128	25	16	;	;	PUNCT
easat-2128	26	1	licensee	licensee	PROPN
easat-2128	26	2	learning	learn	VERB
easat-2128	26	3	gate	gate	NOUN
easat-2128	26	4	and	and	CCONJ
easat-2128	26	5	consumers	consumer	NOUN
easat-2128	26	6	al	al	PROPN
easat-2128	26	7	-	-	ADJ
easat-2128	26	8	okaily	okaily	ADV
easat-2128	26	9	[	[	X
easat-2128	26	10	5	5	NUM
easat-2128	26	11	]	]	PUNCT
easat-2128	26	12	;	;	PUNCT
easat-2128	26	13	diener	diener	PROPN
easat-2128	26	14	&	&	CCONJ
easat-2128	26	15	špaček	špaček	PROPN
easat-2128	27	1	[	[	X
easat-2128	27	2	6	6	NUM
easat-2128	27	3	]	]	X
easat-2128	27	4	;	;	PUNCT
easat-2128	27	5	kanungo	kanungo	PROPN
easat-2128	27	6	&	&	CCONJ
easat-2128	27	7	gupta	gupta	PROPN
easat-2128	27	8	[	[	X
easat-2128	27	9	7	7	NUM
easat-2128	27	10	]	]	PUNCT
easat-2128	27	11	;	;	PUNCT
easat-2128	27	12	s.	s.	PROPN
easat-2128	27	13	lee	lee	PROPN
easat-2128	28	1	[	[	X
easat-2128	28	2	8	8	NUM
easat-2128	28	3	]	]	PUNCT
easat-2128	28	4	;	;	PUNCT
easat-2128	28	5	mavlutova	mavlutova	X
easat-2128	29	1	[	[	X
easat-2128	29	2	9	9	NUM
easat-2128	29	3	]	]	PUNCT
easat-2128	29	4	;	;	PUNCT
easat-2128	29	5	paulet	paulet	NOUN
easat-2128	29	6	&	&	CCONJ
easat-2128	29	7	mavoori	mavoori	VERB
easat-2128	29	8	[	[	X
easat-2128	29	9	10	10	NUM
easat-2128	29	10	]	]	X
easat-2128	29	11	;	;	PUNCT
easat-2128	29	12	stefanovic	stefanovic	ADJ
easat-2128	29	13	[	[	X
easat-2128	29	14	11	11	NUM
easat-2128	29	15	]	]	PUNCT
easat-2128	29	16	.	.	PUNCT
easat-2128	30	1	according	accord	VERB
easat-2128	30	2	to	to	ADP
easat-2128	30	3	king	king	NOUN
easat-2128	30	4	[	[	X
easat-2128	30	5	1	1	NUM
easat-2128	30	6	]	]	PUNCT
easat-2128	30	7	,	,	PUNCT
easat-2128	30	8	the	the	DET
easat-2128	30	9	rise	rise	NOUN
easat-2128	30	10	of	of	ADP
easat-2128	30	11	technology	technology	NOUN
easat-2128	30	12	companies	company	NOUN
easat-2128	30	13	in	in	ADP
easat-2128	30	14	banking	banking	NOUN
easat-2128	30	15	has	have	AUX
easat-2128	30	16	increased	increase	VERB
easat-2128	30	17	the	the	DET
easat-2128	30	18	need	need	NOUN
easat-2128	30	19	for	for	ADP
easat-2128	30	20	fundamental	fundamental	ADJ
easat-2128	30	21	banking	banking	NOUN
easat-2128	30	22	functionalities	functionality	NOUN
easat-2128	30	23	to	to	PART
easat-2128	30	24	expedite	expedite	VERB
easat-2128	30	25	service	service	NOUN
easat-2128	30	26	delivery	delivery	NOUN
easat-2128	30	27	,	,	PUNCT
easat-2128	30	28	reducing	reduce	VERB
easat-2128	30	29	the	the	DET
easat-2128	30	30	emphasis	emphasis	NOUN
easat-2128	30	31	on	on	ADP
easat-2128	30	32	expanding	expand	VERB
easat-2128	30	33	physical	physical	ADJ
easat-2128	30	34	branches	branch	NOUN
easat-2128	30	35	.	.	PUNCT
easat-2128	31	1	investing	invest	VERB
easat-2128	31	2	in	in	ADP
easat-2128	31	3	information	information	NOUN
easat-2128	31	4	technology	technology	NOUN
easat-2128	31	5	has	have	AUX
easat-2128	31	6	surged	surge	VERB
easat-2128	31	7	,	,	PUNCT
easat-2128	31	8	enhancing	enhance	VERB
easat-2128	31	9	the	the	DET
easat-2128	31	10	consumer	consumer	NOUN
easat-2128	31	11	experience	experience	NOUN
easat-2128	31	12	and	and	CCONJ
easat-2128	31	13	shifting	shift	VERB
easat-2128	31	14	service	service	NOUN
easat-2128	31	15	patterns	pattern	NOUN
easat-2128	31	16	from	from	ADP
easat-2128	31	17	traditional	traditional	ADJ
easat-2128	31	18	banks	bank	NOUN
easat-2128	31	19	to	to	ADP
easat-2128	31	20	digital	digital	ADJ
easat-2128	31	21	platforms	platform	NOUN
easat-2128	31	22	valverde	valverde	PROPN
easat-2128	32	1	[	[	X
easat-2128	32	2	12	12	NUM
easat-2128	32	3	]	]	PUNCT
easat-2128	32	4	and	and	CCONJ
easat-2128	32	5	peña	peña	PROPN
easat-2128	33	1	[	[	X
easat-2128	33	2	13	13	NUM
easat-2128	33	3	]	]	PUNCT
easat-2128	33	4	.	.	PUNCT
easat-2128	34	1	digital	digital	ADJ
easat-2128	34	2	disruption	disruption	NOUN
easat-2128	34	3	is	be	AUX
easat-2128	34	4	transforming	transform	VERB
easat-2128	34	5	traditional	traditional	ADJ
easat-2128	34	6	banking	banking	NOUN
easat-2128	34	7	,	,	PUNCT
easat-2128	34	8	reducing	reduce	VERB
easat-2128	34	9	the	the	DET
easat-2128	34	10	need	need	NOUN
easat-2128	34	11	for	for	ADP
easat-2128	34	12	physical	physical	ADJ
easat-2128	34	13	branches	branch	NOUN
easat-2128	34	14	and	and	CCONJ
easat-2128	34	15	allowing	allow	VERB
easat-2128	34	16	competitors	competitor	NOUN
easat-2128	34	17	to	to	PART
easat-2128	34	18	mimic	mimic	VERB
easat-2128	34	19	physical	physical	ADJ
easat-2128	34	20	service	service	NOUN
easat-2128	34	21	-	-	PUNCT
easat-2128	34	22	dependent	dependent	ADJ
easat-2128	34	23	banks	bank	NOUN
easat-2128	34	24	vives	vive	NOUN
easat-2128	34	25	[	[	X
easat-2128	34	26	14	14	NUM
easat-2128	34	27	]	]	PUNCT
easat-2128	34	28	.	.	PUNCT
easat-2128	35	1	digitalization	digitalization	NOUN
easat-2128	35	2	has	have	AUX
easat-2128	35	3	reduced	reduce	VERB
easat-2128	35	4	costs	cost	NOUN
easat-2128	35	5	and	and	CCONJ
easat-2128	35	6	increased	increase	VERB
easat-2128	35	7	income	income	NOUN
easat-2128	35	8	for	for	ADP
easat-2128	35	9	financial	financial	ADJ
easat-2128	35	10	institutions	institution	NOUN
easat-2128	35	11	(	(	PUNCT
easat-2128	35	12	forcadell	forcadell	PROPN
easat-2128	36	1	[	[	X
easat-2128	36	2	15	15	NUM
easat-2128	36	3	]	]	PUNCT
easat-2128	36	4	;	;	PUNCT
easat-2128	36	5	paulet	paulet	NOUN
easat-2128	36	6	&	&	CCONJ
easat-2128	36	7	mavoori	mavoori	X
easat-2128	37	1	[	[	X
easat-2128	37	2	10	10	NUM
easat-2128	37	3	]	]	PUNCT
easat-2128	37	4	.	.	PUNCT
easat-2128	38	1	the	the	DET
easat-2128	38	2	relevance	relevance	NOUN
easat-2128	38	3	of	of	ADP
easat-2128	38	4	physical	physical	ADJ
easat-2128	38	5	bank	bank	NOUN
easat-2128	38	6	branches	branch	NOUN
easat-2128	38	7	is	be	AUX
easat-2128	38	8	a	a	DET
easat-2128	38	9	topic	topic	NOUN
easat-2128	38	10	for	for	ADP
easat-2128	38	11	ongoing	ongoing	ADJ
easat-2128	38	12	research	research	NOUN
easat-2128	38	13	.	.	PUNCT
easat-2128	39	1	the	the	DET
easat-2128	39	2	banks	bank	NOUN
easat-2128	39	3	'	'	PART
easat-2128	39	4	digitalization	digitalization	NOUN
easat-2128	39	5	exhibits	exhibit	VERB
easat-2128	39	6	an	an	DET
easat-2128	39	7	inverse	inverse	NOUN
easat-2128	39	8	relationship	relationship	NOUN
easat-2128	39	9	with	with	ADP
easat-2128	39	10	liquidity	liquidity	NOUN
easat-2128	39	11	,	,	PUNCT
easat-2128	39	12	particularly	particularly	ADV
easat-2128	39	13	for	for	ADP
easat-2128	39	14	banks	bank	NOUN
easat-2128	39	15	operating	operate	VERB
easat-2128	39	16	under	under	ADP
easat-2128	39	17	a	a	DET
easat-2128	39	18	traditional	traditional	ADJ
easat-2128	39	19	framework	framework	NOUN
easat-2128	39	20	that	that	PRON
easat-2128	39	21	primarily	primarily	ADV
easat-2128	39	22	relies	rely	VERB
easat-2128	39	23	on	on	ADP
easat-2128	39	24	lending	lending	NOUN
easat-2128	39	25	or	or	CCONJ
easat-2128	39	26	financing	financing	NOUN
easat-2128	39	27	activities	activity	NOUN
easat-2128	39	28	as	as	ADP
easat-2128	39	29	their	their	PRON
easat-2128	39	30	primary	primary	ADJ
easat-2128	39	31	source	source	NOUN
easat-2128	39	32	of	of	ADP
easat-2128	39	33	income	income	NOUN
easat-2128	39	34	roulet	roulet	NOUN
easat-2128	40	1	[	[	X
easat-2128	40	2	16	16	NUM
easat-2128	40	3	]	]	PUNCT
easat-2128	40	4	.	.	PUNCT
easat-2128	41	1	the	the	DET
easat-2128	41	2	references	reference	NOUN
easat-2128	41	3	cited	cite	VERB
easat-2128	41	4	in	in	ADP
easat-2128	41	5	the	the	DET
easat-2128	41	6	text	text	NOUN
easat-2128	41	7	include	include	VERB
easat-2128	41	8	works	work	NOUN
easat-2128	41	9	by	by	ADP
easat-2128	41	10	banerjee	banerjee	PROPN
easat-2128	42	1	[	[	X
easat-2128	42	2	17	17	NUM
easat-2128	42	3	]	]	X
easat-2128	42	4	;	;	PUNCT
easat-2128	42	5	bellavite	bellavite	PROPN
easat-2128	42	6	pellegrini	pellegrini	PROPN
easat-2128	42	7	[	[	X
easat-2128	42	8	18	18	NUM
easat-2128	42	9	]	]	X
easat-2128	42	10	;	;	PUNCT
easat-2128	42	11	y.	y.	PROPN
easat-2128	42	12	chen	chen	PROPN
easat-2128	43	1	[	[	X
easat-2128	43	2	88	88	NUM
easat-2128	43	3	]	]	PUNCT
easat-2128	43	4	;	;	PUNCT
easat-2128	43	5	z.	z.	PROPN
easat-2128	43	6	chen	chen	PROPN
easat-2128	44	1	[	[	X
easat-2128	44	2	19	19	NUM
easat-2128	44	3	]	]	PUNCT
easat-2128	44	4	;	;	PUNCT
easat-2128	44	5	coffie	coffie	X
easat-2128	44	6	[	[	X
easat-2128	44	7	20	20	NUM
easat-2128	44	8	]	]	PUNCT
easat-2128	44	9	;	;	PUNCT
easat-2128	44	10	liu	liu	PROPN
easat-2128	45	1	[	[	X
easat-2128	45	2	21	21	NUM
easat-2128	45	3	]	]	PUNCT
easat-2128	45	4	;	;	PUNCT
easat-2128	45	5	saunders	saunder	NOUN
easat-2128	45	6	[	[	X
easat-2128	45	7	22	22	NUM
easat-2128	45	8	]	]	PUNCT
easat-2128	45	9	.	.	PUNCT
easat-2128	46	1	the	the	DET
easat-2128	46	2	subsequent	subsequent	ADJ
easat-2128	46	3	advancements	advancement	NOUN
easat-2128	46	4	in	in	ADP
easat-2128	46	5	research	research	NOUN
easat-2128	46	6	by	by	ADP
easat-2128	46	7	[	[	X
easat-2128	46	8	v.	v.	X
easat-2128	46	9	d.	d.	PROPN
easat-2128	46	10	dang	dang	PROPN
easat-2128	47	1	[	[	X
easat-2128	47	2	23	23	NUM
easat-2128	47	3	]	]	PUNCT
easat-2128	47	4	;	;	PUNCT
easat-2128	47	5	v.	v.	PROPN
easat-2128	47	6	d.	d.	PROPN
easat-2128	47	7	dang	dang	PROPN
easat-2128	47	8	&	&	CCONJ
easat-2128	47	9	dang	dang	VERB
easat-2128	48	1	[	[	X
easat-2128	48	2	24	24	NUM
easat-2128	48	3	]	]	PUNCT
easat-2128	48	4	;	;	PUNCT
easat-2128	48	5	davydov	davydov	PROPN
easat-2128	49	1	[	[	X
easat-2128	49	2	25	25	NUM
easat-2128	49	3	]	]	PUNCT
easat-2128	49	4	;	;	PUNCT
easat-2128	49	5	viverita	viverita	NOUN
easat-2128	50	1	[	[	X
easat-2128	50	2	26	26	NUM
easat-2128	50	3	]	]	PUNCT
easat-2128	50	4	indicate	indicate	VERB
easat-2128	50	5	that	that	SCONJ
easat-2128	50	6	,	,	PUNCT
easat-2128	50	7	apart	apart	ADV
easat-2128	50	8	from	from	ADP
easat-2128	50	9	gdp	gdp	NOUN
easat-2128	50	10	,	,	PUNCT
easat-2128	50	11	monetary	monetary	ADJ
easat-2128	50	12	policy	policy	NOUN
easat-2128	50	13	plays	play	VERB
easat-2128	50	14	a	a	DET
easat-2128	50	15	role	role	NOUN
easat-2128	50	16	in	in	ADP
easat-2128	50	17	shaping	shape	VERB
easat-2128	50	18	the	the	DET
easat-2128	50	19	generation	generation	NOUN
easat-2128	50	20	of	of	ADP
easat-2128	50	21	bank	bank	NOUN
easat-2128	50	22	liquidity	liquidity	NOUN
easat-2128	50	23	.	.	PUNCT
easat-2128	51	1	bank	bank	NOUN
easat-2128	51	2	's	's	PART
easat-2128	51	3	traditional	traditional	ADJ
easat-2128	51	4	framework	framework	NOUN
easat-2128	51	5	is	be	AUX
easat-2128	51	6	because	because	SCONJ
easat-2128	51	7	the	the	DET
easat-2128	51	8	capacity	capacity	NOUN
easat-2128	51	9	for	for	ADP
easat-2128	51	10	liquidity	liquidity	NOUN
easat-2128	51	11	is	be	AUX
easat-2128	51	12	influenced	influence	VERB
easat-2128	51	13	by	by	ADP
easat-2128	51	14	the	the	DET
easat-2128	51	15	overall	overall	ADJ
easat-2128	51	16	economic	economic	ADJ
easat-2128	51	17	environment	environment	NOUN
easat-2128	51	18	,	,	PUNCT
easat-2128	51	19	as	as	SCONJ
easat-2128	51	20	highlighted	highlight	VERB
easat-2128	51	21	by	by	ADP
easat-2128	51	22	beck	beck	NOUN
easat-2128	52	1	[	[	X
easat-2128	52	2	27	27	NUM
easat-2128	52	3	]	]	PUNCT
easat-2128	52	4	;	;	PUNCT
easat-2128	52	5	niu	niu	PROPN
easat-2128	52	6	[	[	X
easat-2128	52	7	28	28	NUM
easat-2128	52	8	]	]	PUNCT
easat-2128	52	9	.	.	PUNCT
easat-2128	53	1	this	this	DET
easat-2128	53	2	phenomenon	phenomenon	NOUN
easat-2128	53	3	is	be	AUX
easat-2128	53	4	particularly	particularly	ADV
easat-2128	53	5	significant	significant	ADJ
easat-2128	53	6	in	in	ADP
easat-2128	53	7	developing	develop	VERB
easat-2128	53	8	nations	nation	NOUN
easat-2128	53	9	,	,	PUNCT
easat-2128	53	10	where	where	SCONJ
easat-2128	53	11	bank	bank	NOUN
easat-2128	53	12	loans	loan	NOUN
easat-2128	53	13	serve	serve	VERB
easat-2128	53	14	as	as	ADP
easat-2128	53	15	a	a	DET
easat-2128	53	16	form	form	NOUN
easat-2128	53	17	of	of	ADP
easat-2128	53	18	economic	economic	ADJ
easat-2128	53	19	capital	capital	NOUN
easat-2128	53	20	.	.	PUNCT
easat-2128	54	1	the	the	DET
easat-2128	54	2	studies	study	NOUN
easat-2128	54	3	conducted	conduct	VERB
easat-2128	54	4	by	by	ADP
easat-2128	54	5	berger	berger	PROPN
easat-2128	54	6	&	&	CCONJ
easat-2128	54	7	sedunov	sedunov	PROPN
easat-2128	54	8	[	[	X
easat-2128	54	9	29	29	NUM
easat-2128	54	10	]	]	PUNCT
easat-2128	54	11	and	and	CCONJ
easat-2128	54	12	beck	beck	NOUN
easat-2128	55	1	[	[	X
easat-2128	55	2	30	30	NUM
easat-2128	55	3	]	]	PUNCT
easat-2128	55	4	have	have	AUX
easat-2128	55	5	demonstrated	demonstrate	VERB
easat-2128	55	6	that	that	SCONJ
easat-2128	55	7	the	the	DET
easat-2128	55	8	conventional	conventional	ADJ
easat-2128	55	9	services	service	NOUN
easat-2128	55	10	provided	provide	VERB
easat-2128	55	11	by	by	ADP
easat-2128	55	12	banks	bank	NOUN
easat-2128	55	13	,	,	PUNCT
easat-2128	55	14	and	and	CCONJ
easat-2128	55	15	their	their	PRON
easat-2128	55	16	role	role	NOUN
easat-2128	55	17	as	as	ADP
easat-2128	55	18	intermediary	intermediary	ADJ
easat-2128	55	19	institutions	institution	NOUN
easat-2128	55	20	in	in	ADP
easat-2128	55	21	generating	generate	VERB
easat-2128	55	22	liquidity	liquidity	NOUN
easat-2128	55	23	,	,	PUNCT
easat-2128	55	24	significantly	significantly	ADV
easat-2128	55	25	impact	impact	VERB
easat-2128	55	26	the	the	DET
easat-2128	55	27	actual	actual	ADJ
easat-2128	55	28	economy	economy	NOUN
easat-2128	55	29	.	.	PUNCT
easat-2128	56	1	multiple	multiple	ADJ
easat-2128	56	2	research	research	NOUN
easat-2128	56	3	findings	finding	NOUN
easat-2128	56	4	demonstrate	demonstrate	VERB
easat-2128	56	5	liquidity	liquidity	NOUN
easat-2128	56	6	management	management	NOUN
easat-2128	56	7	's	's	PART
easat-2128	56	8	significance	significance	NOUN
easat-2128	56	9	in	in	ADP
easat-2128	56	10	auguring	augur	VERB
easat-2128	56	11	bank	bank	NOUN
easat-2128	56	12	rivalry	rivalry	NOUN
easat-2128	56	13	.	.	PUNCT
easat-2128	57	1	according	accord	VERB
easat-2128	57	2	to	to	ADP
easat-2128	57	3	the	the	DET
easat-2128	57	4	study	study	NOUN
easat-2128	57	5	conducted	conduct	VERB
easat-2128	57	6	by	by	ADP
easat-2128	57	7	jiang	jiang	PROPN
easat-2128	57	8	[	[	X
easat-2128	57	9	31	31	NUM
easat-2128	57	10	]	]	PUNCT
easat-2128	57	11	,	,	PUNCT
easat-2128	57	12	an	an	DET
easat-2128	57	13	escalation	escalation	NOUN
easat-2128	57	14	in	in	ADP
easat-2128	57	15	rivalry	rivalry	NOUN
easat-2128	57	16	among	among	ADP
easat-2128	57	17	banks	bank	NOUN
easat-2128	57	18	has	have	AUX
easat-2128	57	19	been	be	AUX
easat-2128	57	20	observed	observe	VERB
easat-2128	57	21	to	to	PART
easat-2128	57	22	harm	harm	VERB
easat-2128	57	23	the	the	DET
easat-2128	57	24	provision	provision	NOUN
easat-2128	57	25	of	of	ADP
easat-2128	57	26	crucial	crucial	ADJ
easat-2128	57	27	banking	banking	NOUN
easat-2128	57	28	services	service	NOUN
easat-2128	57	29	in	in	ADP
easat-2128	57	30	terms	term	NOUN
easat-2128	57	31	of	of	ADP
easat-2128	57	32	liquidity	liquidity	NOUN
easat-2128	57	33	creation	creation	NOUN
easat-2128	57	34	.	.	PUNCT
easat-2128	58	1	in	in	ADP
easat-2128	58	2	contrast	contrast	NOUN
easat-2128	58	3	,	,	PUNCT
easat-2128	58	4	previous	previous	ADJ
easat-2128	58	5	studies	study	NOUN
easat-2128	58	6	ali	ali	VERB
easat-2128	59	1	[	[	X
easat-2128	59	2	32	32	NUM
easat-2128	59	3	]	]	PUNCT
easat-2128	59	4	;	;	PUNCT
easat-2128	59	5	d’avino	d’avino	NOUN
easat-2128	59	6	[	[	X
easat-2128	59	7	33	33	NUM
easat-2128	59	8	]	]	PUNCT
easat-2128	59	9	;	;	PUNCT
easat-2128	60	1	t.	t.	PROPN
easat-2128	60	2	t.	t.	PROPN
easat-2128	60	3	h.	h.	PROPN
easat-2128	60	4	nguyen	nguyen	PROPN
easat-2128	61	1	[	[	X
easat-2128	61	2	34	34	NUM
easat-2128	61	3	]	]	X
easat-2128	61	4	;	;	PUNCT
easat-2128	61	5	sahyouni	sahyouni	NOUN
easat-2128	62	1	[	[	X
easat-2128	62	2	35	35	NUM
easat-2128	62	3	]	]	X
easat-2128	62	4	;	;	PUNCT
easat-2128	62	5	toh	toh	PROPN
easat-2128	62	6	&	&	CCONJ
easat-2128	62	7	jia	jia	PROPN
easat-2128	63	1	[	[	X
easat-2128	63	2	36	36	NUM
easat-2128	63	3	]	]	PUNCT
easat-2128	63	4	have	have	AUX
easat-2128	63	5	demonstrated	demonstrate	VERB
easat-2128	63	6	that	that	SCONJ
easat-2128	63	7	the	the	DET
easat-2128	63	8	presence	presence	NOUN
easat-2128	63	9	of	of	ADP
easat-2128	63	10	robust	robust	ADJ
easat-2128	63	11	market	market	NOUN
easat-2128	63	12	power	power	NOUN
easat-2128	63	13	in	in	ADP
easat-2128	63	14	banks	bank	NOUN
easat-2128	63	15	leads	lead	VERB
easat-2128	63	16	to	to	ADP
easat-2128	63	17	an	an	DET
easat-2128	63	18	augmentation	augmentation	NOUN
easat-2128	63	19	in	in	ADP
easat-2128	63	20	liquidity	liquidity	NOUN
easat-2128	63	21	creation	creation	NOUN
easat-2128	63	22	.	.	PUNCT
easat-2128	64	1	intense	intense	ADJ
easat-2128	64	2	competition	competition	NOUN
easat-2128	64	3	is	be	AUX
easat-2128	64	4	prevalent	prevalent	ADJ
easat-2128	64	5	.	.	PUNCT
easat-2128	65	1	the	the	DET
easat-2128	65	2	relationship	relationship	NOUN
easat-2128	65	3	between	between	ADP
easat-2128	65	4	capital	capital	NOUN
easat-2128	65	5	and	and	CCONJ
easat-2128	65	6	liquidity	liquidity	NOUN
easat-2128	65	7	has	have	AUX
easat-2128	65	8	been	be	AUX
easat-2128	65	9	explored	explore	VERB
easat-2128	65	10	in	in	ADP
easat-2128	65	11	some	some	DET
easat-2128	65	12	research	research	NOUN
easat-2128	65	13	,	,	PUNCT
easat-2128	65	14	including	include	VERB
easat-2128	65	15	those	those	PRON
easat-2128	65	16	conducted	conduct	VERB
easat-2128	65	17	by	by	ADP
easat-2128	65	18	fu	fu	NOUN
easat-2128	66	1	[	[	X
easat-2128	66	2	37	37	NUM
easat-2128	66	3	]	]	PUNCT
easat-2128	66	4	and	and	CCONJ
easat-2128	66	5	t.	t.	PROPN
easat-2128	66	6	v.	v.	PROPN
easat-2128	66	7	h.	h.	PROPN
easat-2128	66	8	nguyen	nguyen	PROPN
easat-2128	67	1	[	[	X
easat-2128	67	2	38	38	NUM
easat-2128	67	3	]	]	PUNCT
easat-2128	67	4	.	.	PUNCT
easat-2128	68	1	these	these	DET
easat-2128	68	2	studies	study	NOUN
easat-2128	68	3	have	have	AUX
easat-2128	68	4	found	find	VERB
easat-2128	68	5	evidence	evidence	NOUN
easat-2128	68	6	of	of	ADP
easat-2128	68	7	an	an	DET
easat-2128	68	8	inverse	inverse	NOUN
easat-2128	68	9	relationship	relationship	NOUN
easat-2128	68	10	between	between	ADP
easat-2128	68	11	liquidity	liquidity	NOUN
easat-2128	68	12	creation	creation	NOUN
easat-2128	68	13	and	and	CCONJ
easat-2128	68	14	capital	capital	NOUN
easat-2128	68	15	.	.	PUNCT
easat-2128	69	1	in	in	ADP
easat-2128	69	2	addition	addition	NOUN
easat-2128	69	3	,	,	PUNCT
easat-2128	69	4	t.	t.	PROPN
easat-2128	69	5	le	le	X
easat-2128	70	1	[	[	X
easat-2128	70	2	39	39	NUM
easat-2128	70	3	]	]	PUNCT
easat-2128	70	4	examines	examine	VERB
easat-2128	70	5	the	the	DET
easat-2128	70	6	interdependent	interdependent	ADJ
easat-2128	70	7	association	association	NOUN
easat-2128	70	8	between	between	ADP
easat-2128	70	9	liquidity	liquidity	NOUN
easat-2128	70	10	creation	creation	NOUN
easat-2128	70	11	and	and	CCONJ
easat-2128	70	12	bank	bank	NOUN
easat-2128	70	13	capital	capital	NOUN
easat-2128	70	14	in	in	ADP
easat-2128	70	15	vietnam	vietnam	PROPN
easat-2128	70	16	.	.	PUNCT
easat-2128	71	1	the	the	DET
easat-2128	71	2	results	result	NOUN
easat-2128	71	3	indicate	indicate	VERB
easat-2128	71	4	a	a	DET
easat-2128	71	5	positive	positive	ADJ
easat-2128	71	6	relationship	relationship	NOUN
easat-2128	71	7	between	between	ADP
easat-2128	71	8	the	the	DET
easat-2128	71	9	presence	presence	NOUN
easat-2128	71	10	of	of	ADP
easat-2128	71	11	large	large	ADJ
easat-2128	71	12	banks	bank	NOUN
easat-2128	71	13	and	and	CCONJ
easat-2128	71	14	the	the	DET
easat-2128	71	15	expansion	expansion	NOUN
easat-2128	71	16	of	of	ADP
easat-2128	71	17	liquidity	liquidity	NOUN
easat-2128	71	18	creation	creation	NOUN
easat-2128	71	19	.	.	PUNCT
easat-2128	72	1	according	accord	VERB
easat-2128	72	2	to	to	ADP
easat-2128	72	3	a	a	DET
easat-2128	72	4	study	study	NOUN
easat-2128	72	5	conducted	conduct	VERB
easat-2128	72	6	by	by	ADP
easat-2128	72	7	oino	oino	NOUN
easat-2128	72	8	[	[	X
easat-2128	72	9	40	40	NUM
easat-2128	72	10	]	]	PUNCT
easat-2128	72	11	,	,	PUNCT
easat-2128	72	12	evidence	evidence	NOUN
easat-2128	72	13	suggests	suggest	VERB
easat-2128	72	14	that	that	SCONJ
easat-2128	72	15	banks	bank	NOUN
easat-2128	72	16	with	with	ADP
easat-2128	72	17	higher	high	ADJ
easat-2128	72	18	levels	level	NOUN
easat-2128	72	19	of	of	ADP
easat-2128	72	20	capitalization	capitalization	NOUN
easat-2128	72	21	exhibit	exhibit	VERB
easat-2128	72	22	a	a	DET
easat-2128	72	23	greater	great	ADJ
easat-2128	72	24	propensity	propensity	NOUN
easat-2128	72	25	to	to	PART
easat-2128	72	26	disburse	disburse	VERB
easat-2128	72	27	loans	loan	NOUN
easat-2128	72	28	.	.	PUNCT
easat-2128	73	1	this	this	DET
easat-2128	73	2	finding	finding	NOUN
easat-2128	73	3	carries	carry	VERB
easat-2128	73	4	significant	significant	ADJ
easat-2128	73	5	implications	implication	NOUN
easat-2128	73	6	for	for	ADP
easat-2128	73	7	enhancing	enhance	VERB
easat-2128	73	8	profitability	profitability	NOUN
easat-2128	73	9	within	within	ADP
easat-2128	73	10	the	the	DET
easat-2128	73	11	banking	banking	NOUN
easat-2128	73	12	sector	sector	NOUN
easat-2128	73	13	.	.	PUNCT
easat-2128	74	1	additional	additional	ADJ
easat-2128	74	2	research	research	NOUN
easat-2128	74	3	has	have	AUX
easat-2128	74	4	revealed	reveal	VERB
easat-2128	74	5	that	that	SCONJ
easat-2128	74	6	implementing	implement	VERB
easat-2128	74	7	elevated	elevate	VERB
easat-2128	74	8	bank	bank	NOUN
easat-2128	74	9	capital	capital	NOUN
easat-2128	74	10	requirements	requirement	NOUN
easat-2128	74	11	has	have	VERB
easat-2128	74	12	a	a	DET
easat-2128	74	13	notable	notable	ADJ
easat-2128	74	14	and	and	CCONJ
easat-2128	74	15	favourable	favourable	ADJ
easat-2128	74	16	impact	impact	NOUN
easat-2128	74	17	on	on	ADP
easat-2128	74	18	liquidity	liquidity	NOUN
easat-2128	74	19	levels	level	NOUN
easat-2128	74	20	.	.	PUNCT
easat-2128	75	1	put	put	VERB
easat-2128	75	2	simply	simply	ADV
easat-2128	75	3	,	,	PUNCT
easat-2128	75	4	the	the	DET
easat-2128	75	5	amount	amount	NOUN
easat-2128	75	6	of	of	ADP
easat-2128	75	7	capital	capital	NOUN
easat-2128	75	8	a	a	DET
easat-2128	75	9	bank	bank	NOUN
easat-2128	75	10	holds	hold	VERB
easat-2128	75	11	will	will	AUX
easat-2128	75	12	impact	impact	VERB
easat-2128	75	13	the	the	DET
easat-2128	75	14	bank	bank	NOUN
easat-2128	75	15	's	's	PART
easat-2128	75	16	business	business	NOUN
easat-2128	75	17	attributes	attribute	NOUN
easat-2128	75	18	and	and	CCONJ
easat-2128	75	19	revenue	revenue	NOUN
easat-2128	75	20	streams	stream	NOUN
easat-2128	75	21	.	.	PUNCT
easat-2128	76	1	banks	bank	NOUN
easat-2128	76	2	with	with	ADP
easat-2128	76	3	higher	high	ADJ
easat-2128	76	4	capital	capital	NOUN
easat-2128	76	5	ratios	ratio	NOUN
easat-2128	76	6	tend	tend	VERB
easat-2128	76	7	to	to	PART
easat-2128	76	8	shift	shift	VERB
easat-2128	76	9	focus	focus	NOUN
easat-2128	76	10	from	from	ADP
easat-2128	76	11	traditional	traditional	ADJ
easat-2128	76	12	liquidity	liquidity	NOUN
easat-2128	76	13	creation	creation	NOUN
easat-2128	76	14	to	to	ADP
easat-2128	76	15	cost	cost	NOUN
easat-2128	76	16	-	-	PUNCT
easat-2128	76	17	based	base	VERB
easat-2128	76	18	banking	banking	NOUN
easat-2128	76	19	services	service	NOUN
easat-2128	76	20	and	and	CCONJ
easat-2128	76	21	securities	security	NOUN
easat-2128	76	22	toh	toh	NOUN
easat-2128	76	23	,	,	PUNCT
easat-2128	76	24	[	[	X
easat-2128	76	25	41	41	NUM
easat-2128	76	26	]	]	PUNCT
easat-2128	76	27	.	.	PUNCT
easat-2128	77	1	during	during	ADP
easat-2128	77	2	the	the	DET
easat-2128	77	3	pandemic	pandemic	ADJ
easat-2128	77	4	,	,	PUNCT
easat-2128	77	5	viverita	viverita	NOUN
easat-2128	77	6	[	[	X
easat-2128	77	7	26	26	NUM
easat-2128	77	8	]	]	PUNCT
easat-2128	77	9	noted	note	VERB
easat-2128	77	10	a	a	DET
easat-2128	77	11	decline	decline	NOUN
easat-2128	77	12	in	in	ADP
easat-2128	77	13	liquidity	liquidity	NOUN
easat-2128	77	14	generation	generation	NOUN
easat-2128	77	15	,	,	PUNCT
easat-2128	77	16	suggesting	suggest	VERB
easat-2128	77	17	banks	bank	NOUN
easat-2128	77	18	prefer	prefer	VERB
easat-2128	77	19	secure	secure	ADJ
easat-2128	77	20	investments	investment	NOUN
easat-2128	77	21	over	over	ADP
easat-2128	77	22	liquidity	liquidity	NOUN
easat-2128	77	23	generation	generation	NOUN
easat-2128	77	24	through	through	ADP
easat-2128	77	25	assets	asset	NOUN
easat-2128	77	26	.	.	PUNCT
easat-2128	78	1	increased	increase	VERB
easat-2128	78	2	competition	competition	NOUN
easat-2128	78	3	among	among	ADP
easat-2128	78	4	banks	bank	NOUN
easat-2128	78	5	reduces	reduce	VERB
easat-2128	78	6	essential	essential	ADJ
easat-2128	78	7	services	service	NOUN
easat-2128	78	8	like	like	ADP
easat-2128	78	9	liquidity	liquidity	NOUN
easat-2128	78	10	creation	creation	NOUN
easat-2128	78	11	jiang	jiang	PROPN
easat-2128	79	1	[	[	X
easat-2128	79	2	31	31	NUM
easat-2128	79	3	]	]	PUNCT
easat-2128	79	4	;	;	PUNCT
easat-2128	79	5	luck	luck	PROPN
easat-2128	79	6	&	&	CCONJ
easat-2128	79	7	schempp	schempp	PROPN
easat-2128	80	1	[	[	X
easat-2128	80	2	42	42	NUM
easat-2128	80	3	]	]	PUNCT
easat-2128	80	4	found	find	VERB
easat-2128	80	5	that	that	SCONJ
easat-2128	80	6	liquidity	liquidity	NOUN
easat-2128	80	7	's	's	PART
easat-2128	80	8	reliance	reliance	NOUN
easat-2128	80	9	on	on	ADP
easat-2128	80	10	intermediation	intermediation	NOUN
easat-2128	80	11	has	have	AUX
easat-2128	80	12	decreased	decrease	VERB
easat-2128	80	13	,	,	PUNCT
easat-2128	80	14	prompting	prompt	VERB
easat-2128	80	15	banks	bank	NOUN
easat-2128	80	16	to	to	PART
easat-2128	80	17	diversify	diversify	VERB
easat-2128	80	18	revenue	revenue	NOUN
easat-2128	80	19	streams	stream	NOUN
easat-2128	80	20	.	.	PUNCT
easat-2128	81	1	v.	v.	CCONJ
easat-2128	81	2	d.	d.	PROPN
easat-2128	81	3	dang	dang	PROPN
easat-2128	82	1	[	[	X
easat-2128	82	2	89	89	NUM
easat-2128	82	3	]	]	PUNCT
easat-2128	82	4	noted	note	VERB
easat-2128	82	5	that	that	SCONJ
easat-2128	82	6	bank	bank	NOUN
easat-2128	82	7	liquidity	liquidity	NOUN
easat-2128	82	8	decreases	decrease	VERB
easat-2128	82	9	as	as	ADP
easat-2128	82	10	income	income	NOUN
easat-2128	82	11	from	from	ADP
easat-2128	82	12	nontraditional	nontraditional	ADJ
easat-2128	82	13	banking	banking	NOUN
easat-2128	82	14	rises	rise	NOUN
easat-2128	82	15	.	.	PUNCT
easat-2128	83	1	revenue	revenue	NOUN
easat-2128	83	2	and	and	CCONJ
easat-2128	83	3	asset	asset	NOUN
easat-2128	83	4	diversification	diversification	NOUN
easat-2128	83	5	do	do	AUX
easat-2128	83	6	not	not	PART
easat-2128	83	7	enhance	enhance	VERB
easat-2128	83	8	bank	bank	NOUN
easat-2128	83	9	stability	stability	NOUN
easat-2128	83	10	abuzayed	abuzaye	VERB
easat-2128	83	11	[	[	X
easat-2128	83	12	43	43	NUM
easat-2128	83	13	]	]	PUNCT
easat-2128	83	14	and	and	CCONJ
easat-2128	83	15	korean	korean	ADJ
easat-2128	83	16	banks	bank	NOUN
easat-2128	83	17	do	do	AUX
easat-2128	83	18	not	not	PART
easat-2128	83	19	benefit	benefit	VERB
easat-2128	83	20	from	from	ADP
easat-2128	83	21	diversity	diversity	NOUN
easat-2128	83	22	baek	baek	NOUN
easat-2128	83	23	[	[	X
easat-2128	83	24	44	44	NUM
easat-2128	83	25	]	]	PUNCT
easat-2128	83	26	.	.	PUNCT
easat-2128	84	1	asset	asset	NOUN
easat-2128	84	2	diversification	diversification	NOUN
easat-2128	84	3	negatively	negatively	ADV
easat-2128	84	4	impacts	impact	VERB
easat-2128	84	5	profitability	profitability	NOUN
easat-2128	84	6	and	and	CCONJ
easat-2128	84	7	asset	asset	NOUN
easat-2128	84	8	quality	quality	NOUN
easat-2128	84	9	in	in	ADP
easat-2128	84	10	traditional	traditional	ADJ
easat-2128	84	11	banks	bank	NOUN
easat-2128	84	12	chen	chen	PROPN
easat-2128	85	1	[	[	X
easat-2128	85	2	45	45	NUM
easat-2128	85	3	]	]	PUNCT
easat-2128	85	4	.	.	PUNCT
easat-2128	86	1	islamic	islamic	ADJ
easat-2128	86	2	banks	bank	NOUN
easat-2128	86	3	gain	gain	VERB
easat-2128	86	4	less	less	ADV
easat-2128	86	5	from	from	ADP
easat-2128	86	6	diversification	diversification	NOUN
easat-2128	86	7	compared	compare	VERB
easat-2128	86	8	to	to	ADP
easat-2128	86	9	conventional	conventional	ADJ
easat-2128	86	10	banks	bank	NOUN
easat-2128	86	11	paltrinieri	paltrinieri	NOUN
easat-2128	86	12	[	[	X
easat-2128	86	13	46	46	NUM
easat-2128	86	14	]	]	PUNCT
easat-2128	86	15	.	.	PUNCT
easat-2128	87	1	income	income	NOUN
easat-2128	87	2	diversification	diversification	NOUN
easat-2128	87	3	adversely	adversely	ADV
easat-2128	87	4	affects	affect	VERB
easat-2128	87	5	profitability	profitability	NOUN
easat-2128	87	6	,	,	PUNCT
easat-2128	87	7	profit	profit	NOUN
easat-2128	87	8	efficiency	efficiency	NOUN
easat-2128	87	9	,	,	PUNCT
easat-2128	87	10	and	and	CCONJ
easat-2128	87	11	financial	financial	ADJ
easat-2128	87	12	stability	stability	NOUN
easat-2128	87	13	duho	duho	NOUN
easat-2128	88	1	[	[	X
easat-2128	88	2	47	47	NUM
easat-2128	88	3	]	]	PUNCT
easat-2128	88	4	.	.	PUNCT
easat-2128	89	1	non	non	ADJ
easat-2128	89	2	-	-	ADJ
easat-2128	89	3	interest	interest	ADJ
easat-2128	89	4	revenue	revenue	NOUN
easat-2128	89	5	negatively	negatively	ADV
easat-2128	89	6	impacts	impact	VERB
easat-2128	89	7	asean	asean	ADJ
easat-2128	89	8	commercial	commercial	ADJ
easat-2128	89	9	banks	bank	NOUN
easat-2128	89	10	'	'	PART
easat-2128	89	11	performance	performance	NOUN
easat-2128	89	12	phan	phan	NOUN
easat-2128	89	13	[	[	X
easat-2128	89	14	48	48	NUM
easat-2128	89	15	]	]	PUNCT
easat-2128	89	16	.	.	PUNCT
easat-2128	90	1	further	further	ADJ
easat-2128	90	2	research	research	NOUN
easat-2128	90	3	is	be	AUX
easat-2128	90	4	needed	need	VERB
easat-2128	90	5	to	to	PART
easat-2128	90	6	explore	explore	VERB
easat-2128	90	7	561	561	NUM
easat-2128	90	8	edelweiss	edelweiss	PROPN
easat-2128	90	9	applied	apply	VERB
easat-2128	90	10	science	science	NOUN
easat-2128	90	11	and	and	CCONJ
easat-2128	90	12	technology	technology	NOUN
easat-2128	90	13	issn	issn	PROPN
easat-2128	90	14	:	:	PUNCT
easat-2128	90	15	2576	2576	NUM
easat-2128	90	16	-	-	SYM
easat-2128	90	17	8484	8484	NUM
easat-2128	90	18	vol	vol	NOUN
easat-2128	90	19	.	.	PROPN
easat-2128	91	1	8	8	NUM
easat-2128	91	2	,	,	PUNCT
easat-2128	91	3	no	no	INTJ
easat-2128	91	4	.	.	NOUN
easat-2128	92	1	6	6	NUM
easat-2128	92	2	:	:	SYM
easat-2128	92	3	559	559	NUM
easat-2128	92	4	-	-	SYM
easat-2128	92	5	571	571	NUM
easat-2128	92	6	,	,	PUNCT
easat-2128	92	7	2024	2024	NUM
easat-2128	92	8	doi	doi	NOUN
easat-2128	92	9	:	:	PUNCT
easat-2128	92	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	92	11	©	©	PROPN
easat-2128	92	12	2024	2024	NUM
easat-2128	92	13	by	by	ADP
easat-2128	92	14	the	the	DET
easat-2128	92	15	authors	author	NOUN
easat-2128	92	16	;	;	PUNCT
easat-2128	92	17	licensee	licensee	PROPN
easat-2128	92	18	learning	learn	VERB
easat-2128	92	19	gate	gate	NOUN
easat-2128	92	20	factors	factor	NOUN
easat-2128	92	21	influencing	influence	VERB
easat-2128	92	22	liquidity	liquidity	NOUN
easat-2128	92	23	within	within	ADP
easat-2128	92	24	banking	banking	NOUN
easat-2128	92	25	institutions	institution	NOUN
easat-2128	92	26	.	.	PUNCT
easat-2128	93	1	as	as	ADP
easat-2128	93	2	a	a	DET
easat-2128	93	3	developing	develop	VERB
easat-2128	93	4	country	country	NOUN
easat-2128	93	5	,	,	PUNCT
easat-2128	93	6	the	the	DET
easat-2128	93	7	atmosphere	atmosphere	NOUN
easat-2128	93	8	of	of	ADP
easat-2128	93	9	banks	bank	NOUN
easat-2128	93	10	in	in	ADP
easat-2128	93	11	indonesia	indonesia	PROPN
easat-2128	93	12	exhibits	exhibit	VERB
easat-2128	93	13	similarities	similarity	NOUN
easat-2128	93	14	to	to	ADP
easat-2128	93	15	other	other	ADJ
easat-2128	93	16	nations	nation	NOUN
easat-2128	93	17	in	in	ADP
easat-2128	93	18	similar	similar	ADJ
easat-2128	93	19	stages	stage	NOUN
easat-2128	93	20	of	of	ADP
easat-2128	93	21	economic	economic	ADJ
easat-2128	93	22	development	development	NOUN
easat-2128	93	23	.	.	PUNCT
easat-2128	94	1	table	table	NOUN
easat-2128	94	2	1	1	NUM
easat-2128	94	3	.	.	PUNCT
easat-2128	94	4	bank	bank	NOUN
easat-2128	94	5	interest	interest	NOUN
easat-2128	94	6	income	income	NOUN
easat-2128	94	7	and	and	CCONJ
easat-2128	94	8	no	no	DET
easat-2128	94	9	-	-	PUNCT
easat-2128	94	10	interest	interest	NOUN
easat-2128	94	11	income	income	NOUN
easat-2128	94	12	2015	2015	NUM
easat-2128	94	13	-	-	SYM
easat-2128	94	14	2021	2021	NUM
easat-2128	94	15	.	.	PUNCT
easat-2128	95	1	(	(	PUNCT
easat-2128	95	2	in	in	ADP
easat-2128	95	3	billion	billion	NUM
easat-2128	95	4	rupiahs	rupiah	NOUN
easat-2128	95	5	)	)	PUNCT
easat-2128	95	6	income	income	NOUN
easat-2128	95	7	type	type	NOUN
easat-2128	95	8	2015	2015	NUM
easat-2128	95	9	2016	2016	NUM
easat-2128	95	10	2017	2017	NUM
easat-2128	95	11	2018	2018	NUM
easat-2128	95	12	2019	2019	NUM
easat-2128	95	13	2020	2020	NUM
easat-2128	95	14	2021	2021	NUM
easat-2128	95	15	interest	interest	NOUN
easat-2128	95	16	income	income	NOUN
easat-2128	95	17	646,614	646,614	NUM
easat-2128	95	18	681,460	681,460	NUM
easat-2128	95	19	717,761	717,761	NUM
easat-2128	95	20	742,327	742,327	NUM
easat-2128	95	21	828,197	828,197	NUM
easat-2128	95	22	794,091	794,091	NUM
easat-2128	95	23	773.902	773.902	NUM
easat-2128	95	24	operational	operational	ADJ
easat-2128	95	25	income	income	NOUN
easat-2128	95	26	other	other	ADJ
easat-2128	95	27	interest	interest	NOUN
easat-2128	95	28	210,957	210,957	NUM
easat-2128	95	29	249,691	249,691	NUM
easat-2128	95	30	231,513	231,513	NUM
easat-2128	95	31	261,214	261,214	NUM
easat-2128	95	32	318,252	318,252	NUM
easat-2128	95	33	407,621	407,621	NUM
easat-2128	95	34	460.019	460.019	NUM
easat-2128	95	35	non	non	ADJ
easat-2128	95	36	operational	operational	ADJ
easat-2128	95	37	income	income	NOUN
easat-2128	95	38	24,080	24,080	NUM
easat-2128	95	39	20,712	20,712	NUM
easat-2128	95	40	30,242	30,242	NUM
easat-2128	95	41	24,927	24,927	NUM
easat-2128	95	42	27,176	27,176	NUM
easat-2128	95	43	26,831	26,831	NUM
easat-2128	95	44	20,216	20,216	NUM
easat-2128	95	45	source	source	NOUN
easat-2128	95	46	:	:	PUNCT
easat-2128	95	47	central	central	ADJ
easat-2128	95	48	bank	bank	PROPN
easat-2128	95	49	of	of	ADP
easat-2128	95	50	indonesia	indonesia	PROPN
easat-2128	95	51	financial	financial	PROPN
easat-2128	95	52	statistics	statistics	PROPN
easat-2128	95	53	report	report	VERB
easat-2128	95	54	over	over	ADP
easat-2128	95	55	the	the	DET
easat-2128	95	56	past	past	ADJ
easat-2128	95	57	five	five	NUM
easat-2128	95	58	years	year	NOUN
easat-2128	95	59	,	,	PUNCT
easat-2128	95	60	indonesia	indonesia	PROPN
easat-2128	95	61	has	have	AUX
easat-2128	95	62	seen	see	VERB
easat-2128	95	63	a	a	DET
easat-2128	95	64	significant	significant	ADJ
easat-2128	95	65	shift	shift	NOUN
easat-2128	95	66	in	in	ADP
easat-2128	95	67	income	income	NOUN
easat-2128	95	68	diversification	diversification	NOUN
easat-2128	95	69	between	between	ADP
easat-2128	95	70	loans	loan	NOUN
easat-2128	95	71	and	and	CCONJ
easat-2128	95	72	non	non	NOUN
easat-2128	95	73	-	-	NOUN
easat-2128	95	74	loans	loan	NOUN
easat-2128	95	75	.	.	PUNCT
easat-2128	96	1	in	in	ADP
easat-2128	96	2	absolute	absolute	ADJ
easat-2128	96	3	terms	term	NOUN
easat-2128	96	4	,	,	PUNCT
easat-2128	96	5	income	income	NOUN
easat-2128	96	6	from	from	ADP
easat-2128	96	7	interest	interest	NOUN
easat-2128	96	8	income	income	NOUN
easat-2128	96	9	is	be	AUX
easat-2128	96	10	greater	great	ADJ
easat-2128	96	11	(	(	PUNCT
easat-2128	96	12	see	see	VERB
easat-2128	96	13	table	table	NOUN
easat-2128	96	14	1	1	NUM
easat-2128	96	15	)	)	PUNCT
easat-2128	96	16	.	.	PUNCT
easat-2128	97	1	however	however	ADV
easat-2128	97	2	,	,	PUNCT
easat-2128	97	3	in	in	ADP
easat-2128	97	4	terms	term	NOUN
easat-2128	97	5	of	of	ADP
easat-2128	97	6	growth	growth	NOUN
easat-2128	97	7	,	,	PUNCT
easat-2128	97	8	interest	interest	NOUN
easat-2128	97	9	income	income	NOUN
easat-2128	97	10	is	be	AUX
easat-2128	97	11	actually	actually	ADV
easat-2128	97	12	lower	low	ADJ
easat-2128	97	13	than	than	ADP
easat-2128	97	14	non	non	ADJ
easat-2128	97	15	-	-	ADJ
easat-2128	97	16	interest	interest	ADJ
easat-2128	97	17	income	income	NOUN
easat-2128	97	18	.	.	PUNCT
easat-2128	98	1	nevertheless	nevertheless	ADV
easat-2128	98	2	,	,	PUNCT
easat-2128	98	3	when	when	SCONJ
easat-2128	98	4	examined	examine	VERB
easat-2128	98	5	through	through	ADP
easat-2128	98	6	the	the	DET
easat-2128	98	7	lens	lens	NOUN
easat-2128	98	8	of	of	ADP
easat-2128	98	9	growth	growth	NOUN
easat-2128	98	10	,	,	PUNCT
easat-2128	98	11	there	there	PRON
easat-2128	98	12	was	be	VERB
easat-2128	98	13	a	a	DET
easat-2128	98	14	notable	notable	ADJ
easat-2128	98	15	surge	surge	NOUN
easat-2128	98	16	in	in	ADP
easat-2128	98	17	non	non	ADJ
easat-2128	98	18	-	-	ADJ
easat-2128	98	19	interest	interest	ADJ
easat-2128	98	20	income	income	NOUN
easat-2128	98	21	.	.	PUNCT
easat-2128	99	1	figure	figure	NOUN
easat-2128	99	2	1	1	NUM
easat-2128	99	3	.	.	PUNCT
easat-2128	100	1	interest	interest	NOUN
easat-2128	100	2	and	and	CCONJ
easat-2128	100	3	non	non	ADJ
easat-2128	100	4	-	-	ADJ
easat-2128	100	5	interest	interest	ADJ
easat-2128	100	6	income	income	NOUN
easat-2128	100	7	growth	growth	NOUN
easat-2128	100	8	source	source	NOUN
easat-2128	100	9	:	:	PUNCT
easat-2128	100	10	indonesian	indonesian	ADJ
easat-2128	100	11	financial	financial	PROPN
easat-2128	100	12	service	service	PROPN
easat-2128	100	13	authority	authority	NOUN
easat-2128	100	14	elaborated	elaborate	VERB
easat-2128	100	15	by	by	ADP
easat-2128	100	16	the	the	DET
easat-2128	100	17	authors	author	NOUN
easat-2128	100	18	(	(	PUNCT
easat-2128	100	19	2023	2023	NUM
easat-2128	100	20	)	)	PUNCT
easat-2128	100	21	.	.	PUNCT
easat-2128	101	1	figure	figure	NOUN
easat-2128	101	2	1	1	NUM
easat-2128	101	3	divides	divide	VERB
easat-2128	101	4	banking	banking	NOUN
easat-2128	101	5	income	income	NOUN
easat-2128	101	6	in	in	ADP
easat-2128	101	7	indonesia	indonesia	PROPN
easat-2128	101	8	into	into	ADP
easat-2128	101	9	three	three	NUM
easat-2128	101	10	categories	category	NOUN
easat-2128	101	11	:	:	PUNCT
easat-2128	101	12	interest	interest	NOUN
easat-2128	101	13	income	income	NOUN
easat-2128	101	14	,	,	PUNCT
easat-2128	101	15	non	non	ADJ
easat-2128	101	16	-	-	ADJ
easat-2128	101	17	interest	interest	ADJ
easat-2128	101	18	operating	operating	NOUN
easat-2128	101	19	income	income	NOUN
easat-2128	101	20	,	,	PUNCT
easat-2128	101	21	and	and	CCONJ
easat-2128	101	22	non	non	ADJ
easat-2128	101	23	-	-	ADJ
easat-2128	101	24	operating	operating	ADJ
easat-2128	101	25	income	income	NOUN
easat-2128	101	26	.	.	PUNCT
easat-2128	102	1	over	over	ADP
easat-2128	102	2	the	the	DET
easat-2128	102	3	past	past	ADJ
easat-2128	102	4	five	five	NUM
easat-2128	102	5	years	year	NOUN
easat-2128	102	6	from	from	ADP
easat-2128	102	7	2015	2015	NUM
easat-2128	102	8	to	to	ADP
easat-2128	102	9	2020	2020	NUM
easat-2128	102	10	,	,	PUNCT
easat-2128	102	11	interest	interest	NOUN
easat-2128	102	12	income	income	NOUN
easat-2128	102	13	has	have	AUX
easat-2128	102	14	been	be	AUX
easat-2128	102	15	more	more	ADV
easat-2128	102	16	dominant	dominant	ADJ
easat-2128	102	17	than	than	ADP
easat-2128	102	18	the	the	DET
easat-2128	102	19	other	other	ADJ
easat-2128	102	20	two	two	NUM
easat-2128	102	21	sources	source	NOUN
easat-2128	102	22	of	of	ADP
easat-2128	102	23	income	income	NOUN
easat-2128	102	24	in	in	ADP
easat-2128	102	25	absolute	absolute	ADJ
easat-2128	102	26	terms	term	NOUN
easat-2128	102	27	.	.	PUNCT
easat-2128	103	1	however	however	ADV
easat-2128	103	2	,	,	PUNCT
easat-2128	103	3	when	when	SCONJ
easat-2128	103	4	viewed	view	VERB
easat-2128	103	5	from	from	ADP
easat-2128	103	6	the	the	DET
easat-2128	103	7	growth	growth	NOUN
easat-2128	103	8	side	side	NOUN
easat-2128	103	9	,	,	PUNCT
easat-2128	103	10	as	as	SCONJ
easat-2128	103	11	presented	present	VERB
easat-2128	103	12	in	in	ADP
easat-2128	103	13	figure	figure	NOUN
easat-2128	103	14	1.1	1.1	NUM
easat-2128	103	15	,	,	PUNCT
easat-2128	103	16	income	income	NOUN
easat-2128	103	17	from	from	ADP
easat-2128	103	18	non	non	ADJ
easat-2128	103	19	-	-	ADJ
easat-2128	103	20	operating	operating	ADJ
easat-2128	103	21	income	income	NOUN
easat-2128	103	22	and	and	CCONJ
easat-2128	103	23	noninterest	noninter	ADJ
easat-2128	103	24	income	income	NOUN
easat-2128	103	25	is	be	AUX
easat-2128	103	26	higher	high	ADJ
easat-2128	103	27	than	than	ADP
easat-2128	103	28	income	income	NOUN
easat-2128	103	29	from	from	ADP
easat-2128	103	30	interest	interest	NOUN
easat-2128	103	31	income	income	NOUN
easat-2128	103	32	.	.	PUNCT
easat-2128	104	1	this	this	DET
easat-2128	104	2	article	article	NOUN
easat-2128	104	3	addresses	address	VERB
easat-2128	104	4	many	many	ADJ
easat-2128	104	5	issues	issue	NOUN
easat-2128	104	6	about	about	ADP
easat-2128	104	7	the	the	DET
easat-2128	104	8	functioning	functioning	NOUN
easat-2128	104	9	of	of	ADP
easat-2128	104	10	banking	banking	NOUN
easat-2128	104	11	institutions	institution	NOUN
easat-2128	104	12	,	,	PUNCT
easat-2128	104	13	focusing	focus	VERB
easat-2128	104	14	on	on	ADP
easat-2128	104	15	income	income	NOUN
easat-2128	104	16	,	,	PUNCT
easat-2128	104	17	and	and	CCONJ
easat-2128	104	18	assets	asset	NOUN
easat-2128	104	19	diversification	diversification	NOUN
easat-2128	104	20	to	to	ADP
easat-2128	104	21	bank	bank	NOUN
easat-2128	104	22	liquidity	liquidity	NOUN
easat-2128	104	23	as	as	ADP
easat-2128	104	24	critical	critical	ADJ
easat-2128	104	25	attributes	attribute	NOUN
easat-2128	104	26	of	of	ADP
easat-2128	104	27	conventional	conventional	ADJ
easat-2128	104	28	banks	bank	NOUN
easat-2128	104	29	.	.	PUNCT
easat-2128	105	1	to	to	ADP
easat-2128	105	2	the	the	DET
easat-2128	105	3	best	good	ADJ
easat-2128	105	4	of	of	ADP
easat-2128	105	5	the	the	DET
easat-2128	105	6	author	author	NOUN
easat-2128	105	7	's	's	PART
easat-2128	105	8	understanding	understanding	NOUN
easat-2128	105	9	,	,	PUNCT
easat-2128	105	10	the	the	DET
easat-2128	105	11	examination	examination	NOUN
easat-2128	105	12	of	of	ADP
easat-2128	105	13	investment	investment	NOUN
easat-2128	105	14	in	in	ADP
easat-2128	105	15	information	information	NOUN
easat-2128	105	16	technology	technology	NOUN
easat-2128	105	17	over	over	ADP
easat-2128	105	18	the	the	DET
easat-2128	105	19	-10.0	-10.0	NUM
easat-2128	105	20	%	%	NOUN
easat-2128	105	21	0.0	0.0	NUM
easat-2128	105	22	%	%	NOUN
easat-2128	105	23	10.0	10.0	NUM
easat-2128	105	24	%	%	NOUN
easat-2128	105	25	20.0	20.0	NUM
easat-2128	105	26	%	%	NOUN
easat-2128	105	27	30.0	30.0	NUM
easat-2128	105	28	%	%	NOUN
easat-2128	105	29	40.0	40.0	NUM
easat-2128	105	30	%	%	NOUN
easat-2128	105	31	50.0	50.0	NUM
easat-2128	105	32	%	%	NOUN
easat-2128	105	33	2016	2016	NUM
easat-2128	105	34	2017	2017	NUM
easat-2128	105	35	2018	2018	NUM
easat-2128	105	36	2019	2019	NUM
easat-2128	105	37	2020	2020	NUM
easat-2128	105	38	non	non	PRON
easat-2128	105	39	operational	operational	ADJ
easat-2128	105	40	income	income	NOUN
easat-2128	105	41	operational	operational	ADJ
easat-2128	105	42	income	income	NOUN
easat-2128	105	43	other	other	ADJ
easat-2128	105	44	interest	interest	NOUN
easat-2128	105	45	interest	interest	NOUN
easat-2128	105	46	income	income	NOUN
easat-2128	105	47	562	562	NUM
easat-2128	105	48	edelweiss	edelweiss	PROPN
easat-2128	105	49	applied	apply	VERB
easat-2128	105	50	science	science	NOUN
easat-2128	105	51	and	and	CCONJ
easat-2128	105	52	technology	technology	NOUN
easat-2128	105	53	issn	issn	PROPN
easat-2128	105	54	:	:	PUNCT
easat-2128	105	55	2576	2576	NUM
easat-2128	105	56	-	-	SYM
easat-2128	105	57	8484	8484	NUM
easat-2128	105	58	vol	vol	NOUN
easat-2128	105	59	.	.	PROPN
easat-2128	106	1	8	8	NUM
easat-2128	106	2	,	,	PUNCT
easat-2128	106	3	no	no	INTJ
easat-2128	106	4	.	.	NOUN
easat-2128	107	1	6	6	NUM
easat-2128	107	2	:	:	SYM
easat-2128	107	3	559	559	NUM
easat-2128	107	4	-	-	SYM
easat-2128	107	5	571	571	NUM
easat-2128	107	6	,	,	PUNCT
easat-2128	107	7	2024	2024	NUM
easat-2128	107	8	doi	doi	NOUN
easat-2128	107	9	:	:	PUNCT
easat-2128	107	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	107	11	©	©	PROPN
easat-2128	107	12	2024	2024	NUM
easat-2128	107	13	by	by	ADP
easat-2128	107	14	the	the	DET
easat-2128	107	15	authors	author	NOUN
easat-2128	107	16	;	;	PUNCT
easat-2128	107	17	licensee	licensee	PROPN
easat-2128	107	18	learning	learning	NOUN
easat-2128	107	19	gate	gate	NOUN
easat-2128	107	20	past	past	ADP
easat-2128	107	21	twenty	twenty	NUM
easat-2128	107	22	years	year	NOUN
easat-2128	107	23	has	have	VERB
easat-2128	107	24	yet	yet	ADV
easat-2128	107	25	to	to	PART
easat-2128	107	26	reveal	reveal	VERB
easat-2128	107	27	any	any	DET
easat-2128	107	28	association	association	NOUN
easat-2128	107	29	with	with	ADP
easat-2128	107	30	bank	bank	NOUN
easat-2128	107	31	liquidity	liquidity	NOUN
easat-2128	107	32	,	,	PUNCT
easat-2128	107	33	which	which	PRON
easat-2128	107	34	is	be	AUX
easat-2128	107	35	fundamental	fundamental	ADJ
easat-2128	107	36	to	to	ADP
easat-2128	107	37	the	the	DET
easat-2128	107	38	bank	bank	NOUN
easat-2128	107	39	's	's	PART
easat-2128	107	40	job	job	NOUN
easat-2128	107	41	as	as	ADP
easat-2128	107	42	an	an	DET
easat-2128	107	43	intermediary	intermediary	NOUN
easat-2128	107	44	.	.	PUNCT
easat-2128	108	1	according	accord	VERB
easat-2128	108	2	to	to	ADP
easat-2128	108	3	the	the	DET
easat-2128	108	4	studies	study	NOUN
easat-2128	108	5	conducted	conduct	VERB
easat-2128	108	6	by	by	ADP
easat-2128	108	7	asadi	asadi	NOUN
easat-2128	108	8	[	[	X
easat-2128	108	9	49	49	NUM
easat-2128	108	10	]	]	PUNCT
easat-2128	108	11	;	;	PUNCT
easat-2128	108	12	pérez	pérez	NOUN
easat-2128	108	13	-	-	PUNCT
easat-2128	108	14	martín	martín	NOUN
easat-2128	108	15	[	[	X
easat-2128	108	16	50	50	NUM
easat-2128	108	17	]	]	PUNCT
easat-2128	108	18	,	,	PUNCT
easat-2128	108	19	it	it	PRON
easat-2128	108	20	has	have	AUX
easat-2128	108	21	been	be	AUX
easat-2128	108	22	observed	observe	VERB
easat-2128	108	23	that	that	SCONJ
easat-2128	108	24	a	a	DET
easat-2128	108	25	significant	significant	ADJ
easat-2128	108	26	portion	portion	NOUN
easat-2128	108	27	of	of	ADP
easat-2128	108	28	bank	bank	NOUN
easat-2128	108	29	it	it	PRON
easat-2128	108	30	investments	investment	NOUN
easat-2128	108	31	is	be	AUX
easat-2128	108	32	primarily	primarily	ADV
easat-2128	108	33	directed	direct	VERB
easat-2128	108	34	towards	towards	ADP
easat-2128	108	35	digital	digital	ADJ
easat-2128	108	36	technologies	technology	NOUN
easat-2128	108	37	to	to	PART
easat-2128	108	38	enhance	enhance	VERB
easat-2128	108	39	the	the	DET
easat-2128	108	40	overall	overall	ADJ
easat-2128	108	41	customer	customer	NOUN
easat-2128	108	42	experience	experience	NOUN
easat-2128	108	43	.	.	PUNCT
easat-2128	109	1	numerous	numerous	ADJ
easat-2128	109	2	other	other	ADJ
easat-2128	109	3	scholarly	scholarly	ADJ
easat-2128	109	4	investigations	investigation	NOUN
easat-2128	109	5	are	be	AUX
easat-2128	109	6	currently	currently	ADV
easat-2128	109	7	examining	examine	VERB
easat-2128	109	8	the	the	DET
easat-2128	109	9	various	various	ADJ
easat-2128	109	10	trends	trend	NOUN
easat-2128	109	11	in	in	ADP
easat-2128	109	12	consumer	consumer	NOUN
easat-2128	109	13	behaviour	behaviour	NOUN
easat-2128	109	14	on	on	ADP
easat-2128	109	15	the	the	DET
easat-2128	109	16	adoption	adoption	NOUN
easat-2128	109	17	of	of	ADP
easat-2128	109	18	technology	technology	NOUN
easat-2128	109	19	advancements	advancement	NOUN
easat-2128	109	20	bureshaid	bureshaid	VERB
easat-2128	109	21	[	[	X
easat-2128	109	22	51	51	NUM
easat-2128	109	23	]	]	PUNCT
easat-2128	109	24	;	;	PUNCT
easat-2128	109	25	harris	harris	PROPN
easat-2128	109	26	&	&	CCONJ
easat-2128	109	27	wonglimpiyarat	wonglimpiyarat	VERB
easat-2128	109	28	[	[	PUNCT
easat-2128	109	29	52	52	NUM
easat-2128	109	30	]	]	PUNCT
easat-2128	109	31	;	;	PUNCT
easat-2128	109	32	ho	ho	X
easat-2128	110	1	[	[	X
easat-2128	110	2	53	53	NUM
easat-2128	110	3	]	]	PUNCT
easat-2128	110	4	;	;	PUNCT
easat-2128	110	5	preciado	preciado	PROPN
easat-2128	110	6	-	-	PUNCT
easat-2128	110	7	ortiz	ortiz	PROPN
easat-2128	110	8	[	[	X
easat-2128	110	9	54	54	NUM
easat-2128	110	10	]	]	PUNCT
easat-2128	110	11	.	.	PUNCT
easat-2128	111	1	banks	bank	NOUN
easat-2128	111	2	have	have	AUX
easat-2128	111	3	embraced	embrace	VERB
easat-2128	111	4	technology	technology	NOUN
easat-2128	111	5	to	to	PART
easat-2128	111	6	enhance	enhance	VERB
easat-2128	111	7	transactional	transactional	ADJ
easat-2128	111	8	convenience	convenience	NOUN
easat-2128	111	9	,	,	PUNCT
easat-2128	111	10	usability	usability	NOUN
easat-2128	111	11	,	,	PUNCT
easat-2128	111	12	and	and	CCONJ
easat-2128	111	13	cost	cost	NOUN
easat-2128	111	14	-	-	PUNCT
easat-2128	111	15	effectiveness	effectiveness	NOUN
easat-2128	111	16	roussou	roussou	NOUN
easat-2128	111	17	&	&	CCONJ
easat-2128	111	18	stiakakis	stiakakis	PROPN
easat-2128	112	1	[	[	X
easat-2128	112	2	55	55	NUM
easat-2128	112	3	]	]	PUNCT
easat-2128	112	4	.	.	PUNCT
easat-2128	113	1	according	accord	VERB
easat-2128	113	2	to	to	ADP
easat-2128	113	3	lee	lee	PROPN
easat-2128	113	4	&	&	CCONJ
easat-2128	113	5	kim	kim	PROPN
easat-2128	113	6	[	[	X
easat-2128	113	7	56	56	NUM
easat-2128	113	8	]	]	PUNCT
easat-2128	113	9	,	,	PUNCT
easat-2128	113	10	implementing	implement	VERB
easat-2128	113	11	technology	technology	NOUN
easat-2128	113	12	in	in	ADP
easat-2128	113	13	the	the	DET
easat-2128	113	14	banking	banking	NOUN
easat-2128	113	15	sector	sector	NOUN
easat-2128	113	16	is	be	AUX
easat-2128	113	17	expected	expect	VERB
easat-2128	113	18	to	to	PART
easat-2128	113	19	yield	yield	VERB
easat-2128	113	20	favourable	favourable	ADJ
easat-2128	113	21	outcomes	outcome	NOUN
easat-2128	113	22	in	in	ADP
easat-2128	113	23	terms	term	NOUN
easat-2128	113	24	of	of	ADP
easat-2128	113	25	cost	cost	NOUN
easat-2128	113	26	efficiency	efficiency	NOUN
easat-2128	113	27	.	.	PUNCT
easat-2128	114	1	according	accord	VERB
easat-2128	114	2	to	to	ADP
easat-2128	114	3	chedrawi	chedrawi	PROPN
easat-2128	114	4	[	[	X
easat-2128	114	5	57	57	NUM
easat-2128	114	6	]	]	PUNCT
easat-2128	114	7	,	,	PUNCT
easat-2128	114	8	competition	competition	NOUN
easat-2128	114	9	will	will	AUX
easat-2128	114	10	compel	compel	VERB
easat-2128	114	11	banks	bank	NOUN
easat-2128	114	12	to	to	PART
easat-2128	114	13	establish	establish	VERB
easat-2128	114	14	virtual	virtual	ADJ
easat-2128	114	15	channels	channel	NOUN
easat-2128	114	16	.	.	PUNCT
easat-2128	115	1	the	the	DET
easat-2128	115	2	present	present	ADJ
easat-2128	115	3	paper	paper	NOUN
easat-2128	115	4	is	be	AUX
easat-2128	115	5	structured	structure	VERB
easat-2128	115	6	into	into	ADP
easat-2128	115	7	five	five	NUM
easat-2128	115	8	distinct	distinct	ADJ
easat-2128	115	9	sections	section	NOUN
easat-2128	115	10	.	.	PUNCT
easat-2128	116	1	the	the	DET
easat-2128	116	2	initial	initial	ADJ
easat-2128	116	3	section	section	NOUN
easat-2128	116	4	provides	provide	VERB
easat-2128	116	5	an	an	DET
easat-2128	116	6	introduction	introduction	NOUN
easat-2128	116	7	and	and	CCONJ
easat-2128	116	8	a	a	DET
easat-2128	116	9	concise	concise	ADJ
easat-2128	116	10	overview	overview	NOUN
easat-2128	116	11	of	of	ADP
easat-2128	116	12	the	the	DET
easat-2128	116	13	empirical	empirical	ADJ
easat-2128	116	14	study	study	NOUN
easat-2128	116	15	examining	examine	VERB
easat-2128	116	16	the	the	DET
easat-2128	116	17	impact	impact	NOUN
easat-2128	116	18	of	of	ADP
easat-2128	116	19	digital	digital	ADJ
easat-2128	116	20	technology	technology	NOUN
easat-2128	116	21	on	on	ADP
easat-2128	116	22	bank	bank	NOUN
easat-2128	116	23	income	income	NOUN
easat-2128	116	24	and	and	CCONJ
easat-2128	116	25	asset	asset	NOUN
easat-2128	116	26	diversification	diversification	NOUN
easat-2128	116	27	.	.	PUNCT
easat-2128	117	1	it	it	PRON
easat-2128	117	2	specifically	specifically	ADV
easat-2128	117	3	focuses	focus	VERB
easat-2128	117	4	on	on	ADP
easat-2128	117	5	the	the	DET
easat-2128	117	6	empirical	empirical	ADJ
easat-2128	117	7	evidence	evidence	NOUN
easat-2128	117	8	derived	derive	VERB
easat-2128	117	9	from	from	ADP
easat-2128	117	10	indonesia	indonesia	PROPN
easat-2128	117	11	,	,	PUNCT
easat-2128	117	12	a	a	DET
easat-2128	117	13	developing	develop	VERB
easat-2128	117	14	country	country	NOUN
easat-2128	117	15	.	.	PUNCT
easat-2128	118	1	the	the	DET
easat-2128	118	2	subsequent	subsequent	ADJ
easat-2128	118	3	section	section	NOUN
easat-2128	118	4	provides	provide	VERB
easat-2128	118	5	an	an	DET
easat-2128	118	6	overview	overview	NOUN
easat-2128	118	7	of	of	ADP
easat-2128	118	8	the	the	DET
easat-2128	118	9	theoretical	theoretical	ADJ
easat-2128	118	10	framework	framework	NOUN
easat-2128	118	11	.	.	PUNCT
easat-2128	119	1	the	the	DET
easat-2128	119	2	third	third	ADJ
easat-2128	119	3	section	section	NOUN
easat-2128	119	4	provides	provide	VERB
easat-2128	119	5	comprehensive	comprehensive	ADJ
easat-2128	119	6	details	detail	NOUN
easat-2128	119	7	regarding	regard	VERB
easat-2128	119	8	the	the	DET
easat-2128	119	9	research	research	NOUN
easat-2128	119	10	purpose	purpose	NOUN
easat-2128	119	11	,	,	PUNCT
easat-2128	119	12	methods	method	NOUN
easat-2128	119	13	,	,	PUNCT
easat-2128	119	14	and	and	CCONJ
easat-2128	119	15	data	datum	NOUN
easat-2128	119	16	.	.	PUNCT
easat-2128	120	1	the	the	DET
easat-2128	120	2	fourth	fourth	ADJ
easat-2128	120	3	section	section	NOUN
easat-2128	120	4	provides	provide	VERB
easat-2128	120	5	an	an	DET
easat-2128	120	6	account	account	NOUN
easat-2128	120	7	of	of	ADP
easat-2128	120	8	the	the	DET
easat-2128	120	9	outcomes	outcome	NOUN
easat-2128	120	10	and	and	CCONJ
easat-2128	120	11	subsequent	subsequent	ADJ
easat-2128	120	12	analysis	analysis	NOUN
easat-2128	120	13	.	.	PUNCT
easat-2128	121	1	the	the	DET
easat-2128	121	2	final	final	ADJ
easat-2128	121	3	section	section	NOUN
easat-2128	121	4	,	,	PUNCT
easat-2128	121	5	namely	namely	ADV
easat-2128	121	6	the	the	DET
easat-2128	121	7	fifth	fifth	ADJ
easat-2128	121	8	section	section	NOUN
easat-2128	121	9	,	,	PUNCT
easat-2128	121	10	serves	serve	VERB
easat-2128	121	11	as	as	ADP
easat-2128	121	12	the	the	DET
easat-2128	121	13	conclusion	conclusion	NOUN
easat-2128	121	14	.	.	PUNCT
easat-2128	122	1	2	2	X
easat-2128	122	2	.	.	X
easat-2128	122	3	literature	literature	NOUN
easat-2128	122	4	review	review	VERB
easat-2128	122	5	the	the	DET
easat-2128	122	6	business	business	NOUN
easat-2128	122	7	model	model	NOUN
easat-2128	122	8	depends	depend	VERB
easat-2128	122	9	on	on	ADP
easat-2128	122	10	liquidity	liquidity	NOUN
easat-2128	122	11	conditions	condition	NOUN
easat-2128	122	12	.	.	PUNCT
easat-2128	123	1	dang	dang	INTJ
easat-2128	124	1	[	[	X
easat-2128	124	2	23	23	NUM
easat-2128	124	3	]	]	PUNCT
easat-2128	124	4	found	find	VERB
easat-2128	124	5	that	that	SCONJ
easat-2128	124	6	banks	bank	NOUN
easat-2128	124	7	with	with	ADP
easat-2128	124	8	higher	high	ADJ
easat-2128	124	9	liquid	liquid	ADJ
easat-2128	124	10	assets	asset	NOUN
easat-2128	124	11	adopt	adopt	VERB
easat-2128	124	12	a	a	DET
easat-2128	124	13	conservative	conservative	ADJ
easat-2128	124	14	risk	risk	NOUN
easat-2128	124	15	approach	approach	NOUN
easat-2128	124	16	,	,	PUNCT
easat-2128	124	17	focusing	focus	VERB
easat-2128	124	18	less	less	ADV
easat-2128	124	19	on	on	ADP
easat-2128	124	20	loans	loan	NOUN
easat-2128	124	21	,	,	PUNCT
easat-2128	124	22	leading	lead	VERB
easat-2128	124	23	to	to	ADP
easat-2128	124	24	lower	low	ADJ
easat-2128	124	25	returns	return	NOUN
easat-2128	124	26	.	.	PUNCT
easat-2128	125	1	toh	toh	NOUN
easat-2128	126	1	[	[	X
easat-2128	126	2	41	41	NUM
easat-2128	126	3	]	]	SYM
easat-2128	126	4	observed	observed	ADJ
easat-2128	126	5	banks	bank	NOUN
easat-2128	126	6	shifting	shift	VERB
easat-2128	126	7	from	from	ADP
easat-2128	126	8	traditional	traditional	ADJ
easat-2128	126	9	lending	lending	NOUN
easat-2128	126	10	and	and	CCONJ
easat-2128	126	11	deposits	deposit	NOUN
easat-2128	126	12	to	to	ADP
easat-2128	126	13	fee	fee	NOUN
easat-2128	126	14	-	-	PUNCT
easat-2128	126	15	based	base	VERB
easat-2128	126	16	and	and	CCONJ
easat-2128	126	17	transactional	transactional	ADJ
easat-2128	126	18	services	service	NOUN
easat-2128	126	19	.	.	PUNCT
easat-2128	127	1	higher	high	ADJ
easat-2128	127	2	capital	capital	NOUN
easat-2128	127	3	ratios	ratio	NOUN
easat-2128	127	4	lead	lead	VERB
easat-2128	127	5	to	to	ADP
easat-2128	127	6	more	more	ADJ
easat-2128	127	7	diversity	diversity	NOUN
easat-2128	127	8	,	,	PUNCT
easat-2128	127	9	but	but	CCONJ
easat-2128	127	10	this	this	DET
easat-2128	127	11	increase	increase	NOUN
easat-2128	127	12	is	be	AUX
easat-2128	127	13	uneven	uneven	ADJ
easat-2128	127	14	between	between	ADP
easat-2128	127	15	large	large	ADJ
easat-2128	127	16	and	and	CCONJ
easat-2128	127	17	domestic	domestic	ADJ
easat-2128	127	18	banks	bank	NOUN
easat-2128	127	19	.	.	PUNCT
easat-2128	128	1	toh	toh	PUNCT
easat-2128	129	1	[	[	X
easat-2128	129	2	41	41	NUM
easat-2128	129	3	]	]	PUNCT
easat-2128	129	4	identified	identify	VERB
easat-2128	129	5	a	a	DET
easat-2128	129	6	negative	negative	ADJ
easat-2128	129	7	correlation	correlation	NOUN
easat-2128	129	8	between	between	ADP
easat-2128	129	9	bank	bank	NOUN
easat-2128	129	10	liquidity	liquidity	NOUN
easat-2128	129	11	and	and	CCONJ
easat-2128	129	12	market	market	NOUN
easat-2128	129	13	power	power	NOUN
easat-2128	129	14	,	,	PUNCT
easat-2128	129	15	affected	affect	VERB
easat-2128	129	16	by	by	ADP
easat-2128	129	17	competitive	competitive	ADJ
easat-2128	129	18	conditions	condition	NOUN
easat-2128	129	19	.	.	PUNCT
easat-2128	130	1	dang	dang	INTJ
easat-2128	131	1	[	[	X
easat-2128	131	2	89	89	NUM
easat-2128	131	3	]	]	PUNCT
easat-2128	131	4	and	and	CCONJ
easat-2128	131	5	hoang	hoang	PROPN
easat-2128	132	1	[	[	X
easat-2128	132	2	58	58	NUM
easat-2128	132	3	]	]	PUNCT
easat-2128	132	4	reported	report	VERB
easat-2128	132	5	a	a	DET
easat-2128	132	6	negative	negative	ADJ
easat-2128	132	7	relationship	relationship	NOUN
easat-2128	132	8	between	between	ADP
easat-2128	132	9	non	non	ADJ
easat-2128	132	10	-	-	ADJ
easat-2128	132	11	traditional	traditional	ADJ
easat-2128	132	12	banking	banking	NOUN
easat-2128	132	13	income	income	NOUN
easat-2128	132	14	and	and	CCONJ
easat-2128	132	15	liquidity	liquidity	NOUN
easat-2128	132	16	generation	generation	NOUN
easat-2128	132	17	.	.	PUNCT
easat-2128	133	1	this	this	DET
easat-2128	133	2	study	study	NOUN
easat-2128	133	3	investigates	investigate	VERB
easat-2128	133	4	the	the	DET
easat-2128	133	5	correlation	correlation	NOUN
easat-2128	133	6	between	between	ADP
easat-2128	133	7	income	income	NOUN
easat-2128	133	8	diversification	diversification	NOUN
easat-2128	133	9	and	and	CCONJ
easat-2128	133	10	liquidity	liquidity	NOUN
easat-2128	133	11	.	.	PUNCT
easat-2128	134	1	these	these	DET
easat-2128	134	2	findings	finding	NOUN
easat-2128	134	3	form	form	VERB
easat-2128	134	4	the	the	DET
easat-2128	134	5	basis	basis	NOUN
easat-2128	134	6	of	of	ADP
easat-2128	134	7	an	an	DET
easat-2128	134	8	initial	initial	ADJ
easat-2128	134	9	hypothesis	hypothesis	NOUN
easat-2128	134	10	.	.	PUNCT
easat-2128	135	1	hypothesis	hypothesis	NOUN
easat-2128	135	2	1	1	NUM
easat-2128	135	3	:	:	PUNCT
easat-2128	135	4	bank	bank	NOUN
easat-2128	135	5	income	income	NOUN
easat-2128	135	6	diversification	diversification	NOUN
easat-2128	135	7	reduces	reduce	VERB
easat-2128	135	8	bank	bank	NOUN
easat-2128	135	9	liquidity	liquidity	NOUN
easat-2128	135	10	.	.	PUNCT
easat-2128	136	1	various	various	ADJ
easat-2128	136	2	business	business	NOUN
easat-2128	136	3	activities	activity	NOUN
easat-2128	136	4	involve	involve	VERB
easat-2128	136	5	different	different	ADJ
easat-2128	136	6	levels	level	NOUN
easat-2128	136	7	of	of	ADP
easat-2128	136	8	risk	risk	NOUN
easat-2128	136	9	.	.	PUNCT
easat-2128	137	1	in	in	ADP
easat-2128	137	2	their	their	PRON
easat-2128	137	3	study	study	NOUN
easat-2128	137	4	,	,	PUNCT
easat-2128	137	5	rokhim	rokhim	NOUN
easat-2128	137	6	&	&	CCONJ
easat-2128	137	7	min	min	PROPN
easat-2128	137	8	[	[	X
easat-2128	137	9	59	59	NUM
easat-2128	137	10	]	]	PUNCT
easat-2128	137	11	found	find	VERB
easat-2128	137	12	a	a	DET
easat-2128	137	13	significant	significant	ADJ
easat-2128	137	14	inverse	inverse	NOUN
easat-2128	137	15	relationship	relationship	NOUN
easat-2128	137	16	between	between	ADP
easat-2128	137	17	liquidity	liquidity	NOUN
easat-2128	137	18	and	and	CCONJ
easat-2128	137	19	risk	risk	NOUN
easat-2128	137	20	in	in	ADP
easat-2128	137	21	the	the	DET
easat-2128	137	22	banking	banking	NOUN
easat-2128	137	23	sector	sector	NOUN
easat-2128	137	24	,	,	PUNCT
easat-2128	137	25	where	where	SCONJ
easat-2128	137	26	higher	high	ADJ
easat-2128	137	27	liquidity	liquidity	NOUN
easat-2128	137	28	leads	lead	VERB
easat-2128	137	29	banks	bank	NOUN
easat-2128	137	30	to	to	PART
easat-2128	137	31	be	be	AUX
easat-2128	137	32	more	more	ADV
easat-2128	137	33	cautious	cautious	ADJ
easat-2128	137	34	in	in	ADP
easat-2128	137	35	taking	take	VERB
easat-2128	137	36	risks	risk	NOUN
easat-2128	137	37	.	.	PUNCT
easat-2128	138	1	to	to	PART
easat-2128	138	2	reduce	reduce	VERB
easat-2128	138	3	risk	risk	NOUN
easat-2128	138	4	and	and	CCONJ
easat-2128	138	5	improve	improve	VERB
easat-2128	138	6	operational	operational	ADJ
easat-2128	138	7	efficiency	efficiency	NOUN
easat-2128	138	8	,	,	PUNCT
easat-2128	138	9	especially	especially	ADV
easat-2128	138	10	in	in	ADP
easat-2128	138	11	uncertain	uncertain	ADJ
easat-2128	138	12	situations	situation	NOUN
easat-2128	138	13	,	,	PUNCT
easat-2128	138	14	organizations	organization	NOUN
easat-2128	138	15	must	must	AUX
easat-2128	138	16	pursue	pursue	VERB
easat-2128	138	17	diversification	diversification	NOUN
easat-2128	138	18	strategies	strategy	NOUN
easat-2128	138	19	nguyen	nguyen	NOUN
easat-2128	139	1	[	[	X
easat-2128	139	2	60	60	NUM
easat-2128	139	3	]	]	PUNCT
easat-2128	139	4	.	.	PUNCT
easat-2128	140	1	bank	bank	NOUN
easat-2128	140	2	competition	competition	NOUN
easat-2128	140	3	negatively	negatively	ADV
easat-2128	140	4	affects	affect	VERB
easat-2128	140	5	asset	asset	NOUN
easat-2128	140	6	diversification	diversification	NOUN
easat-2128	140	7	,	,	PUNCT
easat-2128	140	8	thereby	thereby	ADV
easat-2128	140	9	reducing	reduce	VERB
easat-2128	140	10	liquidity	liquidity	NOUN
easat-2128	140	11	production	production	NOUN
easat-2128	140	12	,	,	PUNCT
easat-2128	140	13	according	accord	VERB
easat-2128	140	14	to	to	ADP
easat-2128	140	15	a	a	DET
easat-2128	140	16	study	study	NOUN
easat-2128	140	17	by	by	ADP
easat-2128	140	18	toh	toh	NOUN
easat-2128	140	19	[	[	X
easat-2128	140	20	61	61	NUM
easat-2128	140	21	]	]	PUNCT
easat-2128	140	22	.	.	PUNCT
easat-2128	141	1	bank	bank	NOUN
easat-2128	141	2	competition	competition	NOUN
easat-2128	141	3	can	can	AUX
easat-2128	141	4	reduce	reduce	VERB
easat-2128	141	5	or	or	CCONJ
easat-2128	141	6	eliminate	eliminate	VERB
easat-2128	141	7	the	the	DET
easat-2128	141	8	liquidity	liquidity	NOUN
easat-2128	141	9	impact	impact	NOUN
easat-2128	141	10	for	for	ADP
easat-2128	141	11	banks	bank	NOUN
easat-2128	141	12	with	with	ADP
easat-2128	141	13	highly	highly	ADV
easat-2128	141	14	diversified	diversified	ADJ
easat-2128	141	15	asset	asset	NOUN
easat-2128	141	16	portfolios	portfolio	NOUN
easat-2128	141	17	.	.	PUNCT
easat-2128	142	1	in	in	ADP
easat-2128	142	2	the	the	DET
easat-2128	142	3	context	context	NOUN
easat-2128	142	4	of	of	ADP
easat-2128	142	5	loan	loan	NOUN
easat-2128	142	6	portfolio	portfolio	NOUN
easat-2128	142	7	diversification	diversification	NOUN
easat-2128	142	8	,	,	PUNCT
easat-2128	142	9	huynh	huynh	PROPN
easat-2128	143	1	[	[	X
easat-2128	143	2	62	62	NUM
easat-2128	143	3	]	]	PUNCT
easat-2128	143	4	states	state	VERB
easat-2128	143	5	that	that	SCONJ
easat-2128	143	6	diversifying	diversify	VERB
easat-2128	143	7	loan	loan	NOUN
easat-2128	143	8	portfolios	portfolio	NOUN
easat-2128	143	9	reduces	reduce	VERB
easat-2128	143	10	non	non	ADJ
easat-2128	143	11	-	-	ADJ
easat-2128	143	12	performing	perform	VERB
easat-2128	143	13	credit	credit	NOUN
easat-2128	143	14	risk	risk	NOUN
easat-2128	143	15	but	but	CCONJ
easat-2128	143	16	lowers	lower	VERB
easat-2128	143	17	bank	bank	NOUN
easat-2128	143	18	returns	return	NOUN
easat-2128	143	19	.	.	PUNCT
easat-2128	144	1	based	base	VERB
easat-2128	144	2	on	on	ADP
easat-2128	144	3	the	the	DET
easat-2128	144	4	above	above	ADJ
easat-2128	144	5	considerations	consideration	NOUN
easat-2128	144	6	,	,	PUNCT
easat-2128	144	7	the	the	DET
easat-2128	144	8	hypothesis	hypothesis	NOUN
easat-2128	144	9	regarding	regard	VERB
easat-2128	144	10	the	the	DET
easat-2128	144	11	correlation	correlation	NOUN
easat-2128	144	12	between	between	ADP
easat-2128	144	13	asset	asset	NOUN
easat-2128	144	14	diversity	diversity	NOUN
easat-2128	144	15	and	and	CCONJ
easat-2128	144	16	liquidity	liquidity	NOUN
easat-2128	144	17	is	be	AUX
easat-2128	144	18	as	as	SCONJ
easat-2128	144	19	follows	follow	VERB
easat-2128	144	20	:	:	PUNCT
easat-2128	144	21	hypothesis	hypothesis	NOUN
easat-2128	144	22	2	2	NUM
easat-2128	144	23	:	:	PUNCT
easat-2128	144	24	diversification	diversification	NOUN
easat-2128	144	25	of	of	ADP
easat-2128	144	26	bank	bank	NOUN
easat-2128	144	27	assets	asset	NOUN
easat-2128	144	28	reduces	reduce	VERB
easat-2128	144	29	bank	bank	NOUN
easat-2128	144	30	liquidity	liquidity	NOUN
easat-2128	144	31	.	.	PUNCT
easat-2128	145	1	according	accord	VERB
easat-2128	145	2	to	to	ADP
easat-2128	145	3	t.	t.	PROPN
easat-2128	145	4	d.	d.	PROPN
easat-2128	145	5	le	le	PROPN
easat-2128	145	6	&	&	CCONJ
easat-2128	145	7	ngo	ngo	PROPN
easat-2128	145	8	[	[	X
easat-2128	145	9	63	63	NUM
easat-2128	145	10	]	]	PUNCT
easat-2128	145	11	,	,	PUNCT
easat-2128	145	12	using	use	VERB
easat-2128	145	13	it	it	PRON
easat-2128	145	14	in	in	ADP
easat-2128	145	15	service	service	NOUN
easat-2128	145	16	delivery	delivery	NOUN
easat-2128	145	17	,	,	PUNCT
easat-2128	145	18	such	such	ADJ
easat-2128	145	19	as	as	ADP
easat-2128	145	20	issuing	issue	VERB
easat-2128	145	21	bank	bank	NOUN
easat-2128	145	22	cards	card	NOUN
easat-2128	145	23	and	and	CCONJ
easat-2128	145	24	atms	atms	NOUN
easat-2128	145	25	,	,	PUNCT
easat-2128	145	26	enhances	enhance	VERB
easat-2128	145	27	bank	bank	NOUN
easat-2128	145	28	profitability	profitability	NOUN
easat-2128	145	29	,	,	PUNCT
easat-2128	145	30	with	with	ADP
easat-2128	145	31	retail	retail	ADJ
easat-2128	145	32	banking	banking	NOUN
easat-2128	145	33	being	be	AUX
easat-2128	145	34	a	a	DET
easat-2128	145	35	key	key	ADJ
easat-2128	145	36	driver	driver	NOUN
easat-2128	145	37	.	.	PUNCT
easat-2128	146	1	according	accord	VERB
easat-2128	146	2	to	to	ADP
easat-2128	146	3	japparova	japparova	PROPN
easat-2128	146	4	&	&	CCONJ
easat-2128	146	5	rupeika	rupeika	PROPN
easat-2128	146	6	-	-	PUNCT
easat-2128	146	7	apoga	apoga	NOUN
easat-2128	146	8	[	[	X
easat-2128	146	9	64	64	NUM
easat-2128	146	10	]	]	PUNCT
easat-2128	146	11	,	,	PUNCT
easat-2128	146	12	digitalization	digitalization	NOUN
easat-2128	146	13	is	be	AUX
easat-2128	146	14	critical	critical	ADJ
easat-2128	146	15	for	for	ADP
easat-2128	146	16	banking	banking	NOUN
easat-2128	146	17	progress	progress	NOUN
easat-2128	146	18	,	,	PUNCT
easat-2128	146	19	with	with	ADP
easat-2128	146	20	electronic	electronic	ADJ
easat-2128	146	21	payment	payment	NOUN
easat-2128	146	22	systems	system	NOUN
easat-2128	146	23	being	be	AUX
easat-2128	146	24	highly	highly	ADV
easat-2128	146	25	influential	influential	ADJ
easat-2128	146	26	.	.	PUNCT
easat-2128	147	1	asongu	asongu	PROPN
easat-2128	147	2	&	&	CCONJ
easat-2128	147	3	nwachukwu	nwachukwu	PROPN
easat-2128	148	1	[	[	X
easat-2128	148	2	65	65	NUM
easat-2128	148	3	]	]	PUNCT
easat-2128	148	4	highlighted	highlight	VERB
easat-2128	148	5	ict	ict	PROPN
easat-2128	148	6	's	's	PART
easat-2128	148	7	role	role	NOUN
easat-2128	148	8	in	in	ADP
easat-2128	148	9	improving	improve	VERB
easat-2128	148	10	banking	banking	NOUN
easat-2128	148	11	services	service	NOUN
easat-2128	148	12	and	and	CCONJ
easat-2128	148	13	reducing	reduce	VERB
easat-2128	148	14	excess	excess	ADJ
easat-2128	148	15	liquidity	liquidity	NOUN
easat-2128	148	16	.	.	PUNCT
easat-2128	149	1	dong	dong	PROPN
easat-2128	150	1	[	[	X
easat-2128	150	2	66	66	NUM
easat-2128	150	3	]	]	PUNCT
easat-2128	150	4	showed	show	VERB
easat-2128	150	5	that	that	SCONJ
easat-2128	150	6	mobile	mobile	ADJ
easat-2128	150	7	banking	banking	NOUN
easat-2128	150	8	promotes	promote	VERB
easat-2128	150	9	financial	financial	ADJ
easat-2128	150	10	inclusion	inclusion	NOUN
easat-2128	150	11	in	in	ADP
easat-2128	150	12	emerging	emerge	VERB
easat-2128	150	13	nations	nation	NOUN
easat-2128	150	14	.	.	PUNCT
easat-2128	151	1	vives	vive	NOUN
easat-2128	151	2	,	,	PUNCT
easat-2128	151	3	[	[	X
easat-2128	151	4	67	67	NUM
easat-2128	151	5	]	]	PUNCT
easat-2128	151	6	noted	note	VERB
easat-2128	151	7	that	that	SCONJ
easat-2128	151	8	digital	digital	ADJ
easat-2128	151	9	enterprises	enterprise	NOUN
easat-2128	151	10	focus	focus	VERB
easat-2128	151	11	on	on	ADP
easat-2128	151	12	comprehensive	comprehensive	ADJ
easat-2128	151	13	consumer	consumer	NOUN
easat-2128	151	14	service	service	NOUN
easat-2128	151	15	,	,	PUNCT
easat-2128	151	16	setting	set	VERB
easat-2128	151	17	new	new	ADJ
easat-2128	151	18	standards	standard	NOUN
easat-2128	151	19	.	.	PUNCT
easat-2128	152	1	in	in	ADP
easat-2128	152	2	financial	financial	ADJ
easat-2128	152	3	intermediation	intermediation	NOUN
easat-2128	152	4	,	,	PUNCT
easat-2128	152	5	benston	benston	NOUN
easat-2128	152	6	&	&	CCONJ
easat-2128	152	7	smith	smith	PROPN
easat-2128	152	8	[	[	X
easat-2128	152	9	68	68	NUM
easat-2128	152	10	]	]	PUNCT
easat-2128	152	11	emphasized	emphasize	VERB
easat-2128	152	12	transaction	transaction	NOUN
easat-2128	152	13	cost	cost	NOUN
easat-2128	152	14	analysis	analysis	NOUN
easat-2128	152	15	,	,	PUNCT
easat-2128	152	16	with	with	ADP
easat-2128	152	17	technology	technology	NOUN
easat-2128	152	18	transforming	transform	VERB
easat-2128	152	19	financial	financial	ADJ
easat-2128	152	20	products	product	NOUN
easat-2128	152	21	and	and	CCONJ
easat-2128	152	22	institutions	institution	NOUN
easat-2128	152	23	.	.	PUNCT
easat-2128	153	1	dang	dang	INTJ
easat-2128	154	1	[	[	X
easat-2128	154	2	89	89	NUM
easat-2128	154	3	]	]	PUNCT
easat-2128	154	4	and	and	CCONJ
easat-2128	154	5	hoang	hoang	PROPN
easat-2128	155	1	[	[	X
easat-2128	155	2	58	58	NUM
easat-2128	155	3	]	]	PUNCT
easat-2128	155	4	found	find	VERB
easat-2128	155	5	that	that	SCONJ
easat-2128	155	6	non	non	ADJ
easat-2128	155	7	-	-	ADJ
easat-2128	155	8	traditional	traditional	ADJ
easat-2128	155	9	banking	banking	NOUN
easat-2128	155	10	income	income	NOUN
easat-2128	155	11	reduces	reduce	VERB
easat-2128	155	12	bank	bank	NOUN
easat-2128	155	13	liquidity	liquidity	NOUN
easat-2128	155	14	generation	generation	NOUN
easat-2128	155	15	,	,	PUNCT
easat-2128	155	16	underscoring	underscore	VERB
easat-2128	155	17	the	the	DET
easat-2128	155	18	need	need	NOUN
easat-2128	155	19	for	for	ADP
easat-2128	155	20	technological	technological	ADJ
easat-2128	155	21	innovation	innovation	NOUN
easat-2128	155	22	in	in	ADP
easat-2128	155	23	non	non	ADJ
easat-2128	155	24	-	-	ADJ
easat-2128	155	25	traditional	traditional	ADJ
easat-2128	155	26	income	income	NOUN
easat-2128	155	27	sources	source	NOUN
easat-2128	155	28	.	.	PUNCT
easat-2128	156	1	563	563	NUM
easat-2128	156	2	edelweiss	edelweiss	PROPN
easat-2128	156	3	applied	apply	VERB
easat-2128	156	4	science	science	NOUN
easat-2128	156	5	and	and	CCONJ
easat-2128	156	6	technology	technology	NOUN
easat-2128	156	7	issn	issn	PROPN
easat-2128	156	8	:	:	PUNCT
easat-2128	156	9	2576	2576	NUM
easat-2128	156	10	-	-	SYM
easat-2128	156	11	8484	8484	NUM
easat-2128	156	12	vol	vol	NOUN
easat-2128	156	13	.	.	PROPN
easat-2128	156	14	8	8	NUM
easat-2128	156	15	,	,	PUNCT
easat-2128	156	16	no	no	INTJ
easat-2128	156	17	.	.	NOUN
easat-2128	157	1	6	6	NUM
easat-2128	157	2	:	:	SYM
easat-2128	157	3	559	559	NUM
easat-2128	157	4	-	-	SYM
easat-2128	157	5	571	571	NUM
easat-2128	157	6	,	,	PUNCT
easat-2128	157	7	2024	2024	NUM
easat-2128	157	8	doi	doi	NOUN
easat-2128	157	9	:	:	PUNCT
easat-2128	157	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	157	11	©	©	PROPN
easat-2128	157	12	2024	2024	NUM
easat-2128	157	13	by	by	ADP
easat-2128	157	14	the	the	DET
easat-2128	157	15	authors	author	NOUN
easat-2128	157	16	;	;	PUNCT
easat-2128	157	17	licensee	licensee	PROPN
easat-2128	157	18	learning	learn	VERB
easat-2128	157	19	gate	gate	PROPN
easat-2128	157	20	hypothesis	hypothesis	NOUN
easat-2128	157	21	3	3	NUM
easat-2128	157	22	:	:	PUNCT
easat-2128	157	23	adopting	adopt	VERB
easat-2128	157	24	digital	digital	ADJ
easat-2128	157	25	banking	banking	NOUN
easat-2128	157	26	moderates	moderate	NOUN
easat-2128	157	27	bank	bank	NOUN
easat-2128	157	28	income	income	NOUN
easat-2128	157	29	diversification	diversification	NOUN
easat-2128	157	30	's	's	PART
easat-2128	157	31	impact	impact	NOUN
easat-2128	157	32	on	on	ADP
easat-2128	157	33	bank	bank	NOUN
easat-2128	157	34	liquidity	liquidity	NOUN
easat-2128	157	35	.	.	PUNCT
easat-2128	158	1	organizations	organization	NOUN
easat-2128	158	2	must	must	AUX
easat-2128	158	3	diversify	diversify	VERB
easat-2128	158	4	to	to	PART
easat-2128	158	5	manage	manage	VERB
easat-2128	158	6	risk	risk	NOUN
easat-2128	158	7	and	and	CCONJ
easat-2128	158	8	improve	improve	VERB
easat-2128	158	9	efficiency	efficiency	NOUN
easat-2128	158	10	during	during	ADP
easat-2128	158	11	unpredictable	unpredictable	ADJ
easat-2128	158	12	conditions	condition	NOUN
easat-2128	158	13	nguyen	nguyen	NOUN
easat-2128	159	1	[	[	X
easat-2128	159	2	60	60	NUM
easat-2128	159	3	]	]	PUNCT
easat-2128	159	4	.	.	PUNCT
easat-2128	160	1	according	accord	VERB
easat-2128	160	2	to	to	ADP
easat-2128	160	3	toh	toh	NOUN
easat-2128	160	4	[	[	X
easat-2128	160	5	41	41	NUM
easat-2128	160	6	]	]	PUNCT
easat-2128	160	7	,	,	PUNCT
easat-2128	160	8	bank	bank	NOUN
easat-2128	160	9	competition	competition	NOUN
easat-2128	160	10	can	can	AUX
easat-2128	160	11	reduce	reduce	VERB
easat-2128	160	12	liquidity	liquidity	NOUN
easat-2128	160	13	for	for	ADP
easat-2128	160	14	banks	bank	NOUN
easat-2128	160	15	with	with	ADP
easat-2128	160	16	diversified	diversified	ADJ
easat-2128	160	17	asset	asset	NOUN
easat-2128	160	18	portfolios	portfolio	NOUN
easat-2128	160	19	,	,	PUNCT
easat-2128	160	20	making	make	VERB
easat-2128	160	21	diversification	diversification	NOUN
easat-2128	160	22	critical	critical	ADJ
easat-2128	160	23	.	.	PUNCT
easat-2128	161	1	according	accord	VERB
easat-2128	161	2	to	to	ADP
easat-2128	161	3	huynh	huynh	PROPN
easat-2128	161	4	[	[	X
easat-2128	161	5	62	62	NUM
easat-2128	161	6	]	]	PUNCT
easat-2128	161	7	,	,	PUNCT
easat-2128	161	8	loan	loan	NOUN
easat-2128	161	9	portfolio	portfolio	NOUN
easat-2128	161	10	diversification	diversification	NOUN
easat-2128	161	11	lowers	lower	VERB
easat-2128	161	12	non	non	ADJ
easat-2128	161	13	-	-	ADJ
easat-2128	161	14	performing	perform	VERB
easat-2128	161	15	credit	credit	NOUN
easat-2128	161	16	risk	risk	NOUN
easat-2128	161	17	but	but	CCONJ
easat-2128	161	18	reduces	reduce	VERB
easat-2128	161	19	bank	bank	NOUN
easat-2128	161	20	returns	return	NOUN
easat-2128	161	21	,	,	PUNCT
easat-2128	161	22	which	which	PRON
easat-2128	161	23	impacts	impact	VERB
easat-2128	161	24	liquidity	liquidity	NOUN
easat-2128	161	25	.	.	PUNCT
easat-2128	162	1	in	in	ADP
easat-2128	162	2	the	the	DET
easat-2128	162	3	digital	digital	ADJ
easat-2128	162	4	era	era	NOUN
easat-2128	162	5	,	,	PUNCT
easat-2128	162	6	banks	bank	NOUN
easat-2128	162	7	must	must	AUX
easat-2128	162	8	partner	partner	VERB
easat-2128	162	9	with	with	ADP
easat-2128	162	10	firms	firm	NOUN
easat-2128	162	11	with	with	ADP
easat-2128	162	12	strong	strong	ADJ
easat-2128	162	13	digital	digital	ADJ
easat-2128	162	14	platforms	platform	NOUN
easat-2128	162	15	to	to	PART
easat-2128	162	16	stay	stay	VERB
easat-2128	162	17	competitive	competitive	ADJ
easat-2128	162	18	,	,	PUNCT
easat-2128	162	19	as	as	SCONJ
easat-2128	162	20	technology	technology	NOUN
easat-2128	162	21	decreases	decrease	VERB
easat-2128	162	22	concentration	concentration	NOUN
easat-2128	162	23	levels	level	NOUN
easat-2128	162	24	in	in	ADP
easat-2128	162	25	banking	banking	NOUN
easat-2128	162	26	wójcik	wójcik	NOUN
easat-2128	163	1	[	[	X
easat-2128	163	2	69	69	NUM
easat-2128	163	3	]	]	PUNCT
easat-2128	163	4	.	.	PUNCT
easat-2128	164	1	banks	bank	NOUN
easat-2128	164	2	should	should	AUX
easat-2128	164	3	adapt	adapt	VERB
easat-2128	164	4	their	their	PRON
easat-2128	164	5	business	business	NOUN
easat-2128	164	6	models	model	NOUN
easat-2128	164	7	with	with	ADP
easat-2128	164	8	product	product	NOUN
easat-2128	164	9	diversification	diversification	NOUN
easat-2128	164	10	to	to	PART
easat-2128	164	11	meet	meet	VERB
easat-2128	164	12	customer	customer	NOUN
easat-2128	164	13	needs	need	VERB
easat-2128	164	14	chu	chu	PROPN
easat-2128	164	15	&	&	CCONJ
easat-2128	164	16	deng	deng	PROPN
easat-2128	165	1	[	[	X
easat-2128	165	2	70	70	NUM
easat-2128	165	3	]	]	PUNCT
easat-2128	165	4	.	.	PUNCT
easat-2128	166	1	the	the	DET
easat-2128	166	2	fifth	fifth	ADJ
easat-2128	166	3	hypothesis	hypothesis	NOUN
easat-2128	166	4	follows	follow	VERB
easat-2128	166	5	this	this	DET
easat-2128	166	6	premise	premise	NOUN
easat-2128	166	7	.	.	PUNCT
easat-2128	167	1	hipotysis	hipotysis	NOUN
easat-2128	167	2	4	4	NUM
easat-2128	167	3	:	:	PUNCT
easat-2128	167	4	digital	digital	ADJ
easat-2128	167	5	banking	banking	NOUN
easat-2128	167	6	mitigates	mitigate	VERB
easat-2128	167	7	the	the	DET
easat-2128	167	8	effect	effect	NOUN
easat-2128	167	9	of	of	ADP
easat-2128	167	10	asset	asset	NOUN
easat-2128	167	11	diversification	diversification	NOUN
easat-2128	167	12	on	on	ADP
easat-2128	167	13	bank	bank	NOUN
easat-2128	167	14	liquidity	liquidity	NOUN
easat-2128	167	15	.	.	PUNCT
easat-2128	168	1	3	3	X
easat-2128	168	2	.	.	X
easat-2128	168	3	methodology	methodology	NOUN
easat-2128	168	4	the	the	DET
easat-2128	168	5	study	study	NOUN
easat-2128	168	6	used	use	VERB
easat-2128	168	7	a	a	DET
easat-2128	168	8	quantitative	quantitative	ADJ
easat-2128	168	9	research	research	NOUN
easat-2128	168	10	approach	approach	NOUN
easat-2128	168	11	to	to	PART
easat-2128	168	12	examine	examine	VERB
easat-2128	168	13	the	the	DET
easat-2128	168	14	impact	impact	NOUN
easat-2128	168	15	of	of	ADP
easat-2128	168	16	bank	bank	NOUN
easat-2128	168	17	revenue	revenue	NOUN
easat-2128	168	18	diversification	diversification	NOUN
easat-2128	168	19	(	(	PUNCT
easat-2128	168	20	interest	interest	NOUN
easat-2128	168	21	and	and	CCONJ
easat-2128	168	22	non	non	ADJ
easat-2128	168	23	-	-	ADJ
easat-2128	168	24	interest	interest	ADJ
easat-2128	168	25	income	income	NOUN
easat-2128	168	26	)	)	PUNCT
easat-2128	168	27	,	,	PUNCT
easat-2128	168	28	asset	asset	NOUN
easat-2128	168	29	diversification	diversification	NOUN
easat-2128	168	30	,	,	PUNCT
easat-2128	168	31	and	and	CCONJ
easat-2128	168	32	geographical	geographical	ADJ
easat-2128	168	33	diversity	diversity	NOUN
easat-2128	168	34	on	on	ADP
easat-2128	168	35	liquidity	liquidity	NOUN
easat-2128	168	36	.	.	PUNCT
easat-2128	169	1	the	the	DET
easat-2128	169	2	study	study	NOUN
easat-2128	169	3	also	also	ADV
easat-2128	169	4	explores	explore	VERB
easat-2128	169	5	the	the	DET
easat-2128	169	6	moderating	moderate	VERB
easat-2128	169	7	role	role	NOUN
easat-2128	169	8	of	of	ADP
easat-2128	169	9	digital	digital	ADJ
easat-2128	169	10	banking	banking	NOUN
easat-2128	169	11	adoption	adoption	NOUN
easat-2128	169	12	in	in	ADP
easat-2128	169	13	this	this	DET
easat-2128	169	14	relationship	relationship	NOUN
easat-2128	169	15	.	.	PUNCT
easat-2128	170	1	the	the	DET
easat-2128	170	2	present	present	ADJ
easat-2128	170	3	study	study	NOUN
easat-2128	170	4	was	be	AUX
easat-2128	170	5	undertaken	undertake	VERB
easat-2128	170	6	at	at	ADP
easat-2128	170	7	87	87	NUM
easat-2128	170	8	state	state	NOUN
easat-2128	170	9	owned	own	VERB
easat-2128	170	10	banks	bank	NOUN
easat-2128	170	11	,	,	PUNCT
easat-2128	170	12	private	private	ADJ
easat-2128	170	13	banks	bank	NOUN
easat-2128	170	14	,	,	PUNCT
easat-2128	170	15	sharia	sharia	PROPN
easat-2128	170	16	banks	bank	NOUN
easat-2128	170	17	and	and	CCONJ
easat-2128	170	18	the	the	DET
easat-2128	170	19	regional	regional	ADJ
easat-2128	170	20	development	development	NOUN
easat-2128	170	21	banks	bank	NOUN
easat-2128	170	22	(	(	PUNCT
easat-2128	170	23	bpd	bpd	NOUN
easat-2128	170	24	)	)	PUNCT
easat-2128	170	25	operational	operational	ADJ
easat-2128	170	26	throughout	throughout	ADP
easat-2128	170	27	all	all	DET
easat-2128	170	28	provinces	province	NOUN
easat-2128	170	29	inside	inside	ADP
easat-2128	170	30	indonesia	indonesia	PROPN
easat-2128	170	31	.	.	PUNCT
easat-2128	171	1	the	the	DET
easat-2128	171	2	study	study	NOUN
easat-2128	171	3	employed	employ	VERB
easat-2128	171	4	a	a	DET
easat-2128	171	5	purposive	purposive	ADJ
easat-2128	171	6	sample	sample	NOUN
easat-2128	171	7	technique	technique	NOUN
easat-2128	171	8	,	,	PUNCT
easat-2128	171	9	wherein	wherein	SCONJ
easat-2128	171	10	specific	specific	ADJ
easat-2128	171	11	criteria	criterion	NOUN
easat-2128	171	12	were	be	AUX
easat-2128	171	13	established	establish	VERB
easat-2128	171	14	to	to	PART
easat-2128	171	15	select	select	VERB
easat-2128	171	16	participants	participant	NOUN
easat-2128	171	17	.	.	PUNCT
easat-2128	172	1	the	the	DET
easat-2128	172	2	criteria	criterion	NOUN
easat-2128	172	3	employed	employ	VERB
easat-2128	172	4	in	in	ADP
easat-2128	172	5	this	this	DET
easat-2128	172	6	study	study	NOUN
easat-2128	172	7	encompass	encompass	VERB
easat-2128	172	8	three	three	NUM
easat-2128	172	9	key	key	ADJ
easat-2128	172	10	aspects	aspect	NOUN
easat-2128	172	11	:	:	PUNCT
easat-2128	172	12	(	(	PUNCT
easat-2128	172	13	1	1	X
easat-2128	172	14	)	)	PUNCT
easat-2128	172	15	the	the	DET
easat-2128	172	16	inclusion	inclusion	NOUN
easat-2128	172	17	of	of	ADP
easat-2128	172	18	regional	regional	ADJ
easat-2128	172	19	development	development	NOUN
easat-2128	172	20	banks	bank	NOUN
easat-2128	172	21	that	that	PRON
easat-2128	172	22	have	have	AUX
easat-2128	172	23	been	be	AUX
easat-2128	172	24	actively	actively	ADV
easat-2128	172	25	functioning	function	VERB
easat-2128	172	26	during	during	ADP
easat-2128	172	27	the	the	DET
easat-2128	172	28	timeframe	timeframe	NOUN
easat-2128	172	29	of	of	ADP
easat-2128	172	30	2011	2011	NUM
easat-2128	172	31	-	-	SYM
easat-2128	172	32	2021	2021	NUM
easat-2128	172	33	,	,	PUNCT
easat-2128	172	34	(	(	PUNCT
easat-2128	172	35	2	2	X
easat-2128	172	36	)	)	PUNCT
easat-2128	172	37	the	the	DET
easat-2128	172	38	selection	selection	NOUN
easat-2128	172	39	of	of	ADP
easat-2128	172	40	companies	company	NOUN
easat-2128	172	41	that	that	PRON
easat-2128	172	42	have	have	AUX
easat-2128	172	43	finalized	finalize	VERB
easat-2128	172	44	their	their	PRON
easat-2128	172	45	financial	financial	ADJ
easat-2128	172	46	statements	statement	NOUN
easat-2128	172	47	for	for	ADP
easat-2128	172	48	the	the	DET
easat-2128	172	49	period	period	NOUN
easat-2128	172	50	spanning	span	VERB
easat-2128	172	51	2011	2011	NUM
easat-2128	172	52	-	-	SYM
easat-2128	172	53	2021	2021	NUM
easat-2128	172	54	,	,	PUNCT
easat-2128	172	55	and	and	CCONJ
easat-2128	172	56	(	(	PUNCT
easat-2128	172	57	3	3	X
easat-2128	172	58	)	)	PUNCT
easat-2128	172	59	the	the	DET
easat-2128	172	60	requirement	requirement	NOUN
easat-2128	172	61	for	for	SCONJ
easat-2128	172	62	companies	company	NOUN
easat-2128	172	63	to	to	PART
easat-2128	172	64	adhere	adhere	VERB
easat-2128	172	65	to	to	ADP
easat-2128	172	66	a	a	DET
easat-2128	172	67	consistent	consistent	ADJ
easat-2128	172	68	reporting	reporting	NOUN
easat-2128	172	69	period	period	NOUN
easat-2128	172	70	,	,	PUNCT
easat-2128	172	71	specifically	specifically	ADV
easat-2128	172	72	concluding	conclude	VERB
easat-2128	172	73	on	on	ADP
easat-2128	172	74	december	december	PROPN
easat-2128	172	75	31st	31st	NOUN
easat-2128	172	76	of	of	ADP
easat-2128	172	77	each	each	DET
easat-2128	172	78	year	year	NOUN
easat-2128	172	79	.	.	PUNCT
easat-2128	173	1	according	accord	VERB
easat-2128	173	2	to	to	ADP
easat-2128	173	3	data	datum	NOUN
easat-2128	173	4	provided	provide	VERB
easat-2128	173	5	by	by	ADP
easat-2128	173	6	the	the	DET
easat-2128	173	7	financial	financial	ADJ
easat-2128	173	8	services	service	NOUN
easat-2128	173	9	authority	authority	NOUN
easat-2128	173	10	,	,	PUNCT
easat-2128	173	11	there	there	PRON
easat-2128	173	12	are	be	VERB
easat-2128	173	13	currently	currently	ADV
easat-2128	173	14	106	106	NUM
easat-2128	173	15	operational	operational	ADJ
easat-2128	173	16	commercial	commercial	ADJ
easat-2128	173	17	banks	bank	NOUN
easat-2128	173	18	in	in	ADP
easat-2128	173	19	indonesia	indonesia	PROPN
easat-2128	173	20	.	.	PUNCT
easat-2128	174	1	however	however	ADV
easat-2128	174	2	,	,	PUNCT
easat-2128	174	3	a	a	DET
easat-2128	174	4	total	total	NOUN
easat-2128	174	5	of	of	ADP
easat-2128	174	6	87	87	NUM
easat-2128	174	7	banks	bank	NOUN
easat-2128	174	8	that	that	PRON
easat-2128	174	9	possess	possess	VERB
easat-2128	174	10	the	the	DET
easat-2128	174	11	necessary	necessary	ADJ
easat-2128	174	12	qualifications	qualification	NOUN
easat-2128	174	13	and	and	CCONJ
easat-2128	174	14	possess	possess	VERB
easat-2128	174	15	accessible	accessible	ADJ
easat-2128	174	16	data	datum	NOUN
easat-2128	174	17	are	be	AUX
easat-2128	174	18	identified	identify	VERB
easat-2128	174	19	as	as	ADP
easat-2128	174	20	having	have	VERB
easat-2128	174	21	a	a	DET
easat-2128	174	22	substantial	substantial	ADJ
easat-2128	174	23	number	number	NOUN
easat-2128	174	24	of	of	ADP
easat-2128	174	25	branch	branch	NOUN
easat-2128	174	26	offices	office	NOUN
easat-2128	174	27	dispersed	disperse	VERB
easat-2128	174	28	across	across	ADP
easat-2128	174	29	various	various	ADJ
easat-2128	174	30	regions	region	NOUN
easat-2128	174	31	inside	inside	ADP
easat-2128	174	32	indonesia	indonesia	PROPN
easat-2128	174	33	.	.	PUNCT
easat-2128	175	1	the	the	DET
easat-2128	175	2	data	datum	NOUN
easat-2128	175	3	utilized	utilize	VERB
easat-2128	175	4	in	in	ADP
easat-2128	175	5	this	this	DET
easat-2128	175	6	study	study	NOUN
easat-2128	175	7	is	be	AUX
easat-2128	175	8	obtained	obtain	VERB
easat-2128	175	9	from	from	ADP
easat-2128	175	10	the	the	DET
easat-2128	175	11	annual	annual	ADJ
easat-2128	175	12	reports	report	NOUN
easat-2128	175	13	of	of	ADP
easat-2128	175	14	each	each	DET
easat-2128	175	15	bank	bank	NOUN
easat-2128	175	16	,	,	PUNCT
easat-2128	175	17	covering	cover	VERB
easat-2128	175	18	the	the	DET
easat-2128	175	19	period	period	NOUN
easat-2128	175	20	from	from	ADP
easat-2128	175	21	2011	2011	NUM
easat-2128	175	22	to	to	ADP
easat-2128	175	23	2021	2021	NUM
easat-2128	175	24	.	.	PUNCT
easat-2128	176	1	the	the	DET
easat-2128	176	2	e	e	NOUN
easat-2128	176	3	-	-	NOUN
easat-2128	176	4	views	views	ADJ
easat-2128	176	5	10	10	NUM
easat-2128	176	6	application	application	NOUN
easat-2128	176	7	is	be	AUX
easat-2128	176	8	utilized	utilize	VERB
easat-2128	176	9	for	for	ADP
easat-2128	176	10	conducting	conduct	VERB
easat-2128	176	11	panel	panel	NOUN
easat-2128	176	12	data	datum	NOUN
easat-2128	176	13	regression	regression	NOUN
easat-2128	176	14	analysis	analysis	NOUN
easat-2128	176	15	.	.	PUNCT
easat-2128	177	1	the	the	DET
easat-2128	177	2	regression	regression	NOUN
easat-2128	177	3	equation	equation	NOUN
easat-2128	177	4	utilized	utilize	VERB
easat-2128	177	5	in	in	ADP
easat-2128	177	6	this	this	DET
easat-2128	177	7	investigation	investigation	NOUN
easat-2128	177	8	is	be	AUX
easat-2128	177	9	presented	present	VERB
easat-2128	177	10	as	as	SCONJ
easat-2128	177	11	follows	follow	VERB
easat-2128	177	12	:	:	PUNCT
easat-2128	177	13	equation	equation	NOUN
easat-2128	177	14	1	1	NUM
easat-2128	177	15	:	:	PUNCT
easat-2128	177	16	liqit	liqit	NOUN
easat-2128	177	17	=	=	SYM
easat-2128	178	1	α0	α0	PROPN
easat-2128	178	2	+	+	CCONJ
easat-2128	178	3	β1divinit	β1divinit	NOUN
easat-2128	178	4	+	+	CCONJ
easat-2128	178	5	β2divasit	β2divasit	NOUN
easat-2128	178	6	+	+	CCONJ
easat-2128	178	7	εit	εit	NOUN
easat-2128	178	8	equation	equation	NOUN
easat-2128	178	9	2	2	NUM
easat-2128	178	10	:	:	PUNCT
easat-2128	178	11	liqit	liqit	NOUN
easat-2128	178	12	=	=	SYM
easat-2128	179	1	α0	α0	PROPN
easat-2128	179	2	+	+	CCONJ
easat-2128	179	3	β1divinit	β1divinit	NOUN
easat-2128	179	4	+	+	CCONJ
easat-2128	179	5	β2divasit	β2divasit	NOUN
easat-2128	179	6	+	+	CCONJ
easat-2128	179	7	β3digilit	β3digilit	VERB
easat-2128	179	8	+	+	CCONJ
easat-2128	179	9	β4divinit	β4divinit	PRON
easat-2128	179	10	*	*	PUNCT
easat-2128	179	11	digilit	digilit	VERB
easat-2128	179	12	+	+	CCONJ
easat-2128	179	13	β5divasit	β5divasit	ADV
easat-2128	179	14	*	*	PUNCT
easat-2128	179	15	digilit	digilit	NOUN
easat-2128	179	16	+	+	CCONJ
easat-2128	179	17	εit	εit	NOUN
easat-2128	179	18	equation	equation	NOUN
easat-2128	179	19	3	3	NUM
easat-2128	179	20	:	:	PUNCT
easat-2128	179	21	liqit	liqit	X
easat-2128	179	22	=	=	SYM
easat-2128	179	23	α0	α0	PROPN
easat-2128	179	24	+	+	CCONJ
easat-2128	179	25	β1divinit	β1divinit	NOUN
easat-2128	179	26	+	+	CCONJ
easat-2128	179	27	β2divasit	β2divasit	NOUN
easat-2128	179	28	+	+	CCONJ
easat-2128	179	29	β3digilit	β3digilit	VERB
easat-2128	179	30	+	+	CCONJ
easat-2128	179	31	β4divinit	β4divinit	PRON
easat-2128	179	32	*	*	PUNCT
easat-2128	179	33	digilit	digilit	VERB
easat-2128	179	34	+	+	CCONJ
easat-2128	179	35	β5divasit	β5divasit	ADV
easat-2128	179	36	*	*	PUNCT
easat-2128	179	37	digilit	digilit	VERB
easat-2128	179	38	+	+	CCONJ
easat-2128	179	39	β6sizeit	β6sizeit	PROPN
easat-2128	180	1	+	+	CCONJ
easat-2128	180	2	β7capit	β7capit	NOUN
easat-2128	180	3	+	+	CCONJ
easat-2128	180	4	β8riskit	β8riskit	NOUN
easat-2128	181	1	+	+	CCONJ
easat-2128	181	2	β9market	β9market	ADP
easat-2128	181	3	it	it	PRON
easat-2128	181	4	+	+	CCONJ
easat-2128	181	5	εit	εit	NOUN
easat-2128	181	6	table	table	NOUN
easat-2128	181	7	2	2	NUM
easat-2128	181	8	.	.	PUNCT
easat-2128	181	9	scale	scale	NOUN
easat-2128	181	10	of	of	ADP
easat-2128	181	11	the	the	DET
easat-2128	181	12	research	research	NOUN
easat-2128	181	13	model	model	NOUN
easat-2128	181	14	.	.	PUNCT
easat-2128	182	1	variable	variable	ADJ
easat-2128	182	2	codes	code	NOUN
easat-2128	182	3	scale	scale	NOUN
easat-2128	182	4	reference	reference	NOUN
easat-2128	182	5	dependent	dependent	ADJ
easat-2128	182	6	variable	variable	ADJ
easat-2128	182	7	liquidity	liquidity	NOUN
easat-2128	182	8	(	(	PUNCT
easat-2128	182	9	loan	loan	NOUN
easat-2128	182	10	to	to	PART
easat-2128	182	11	deposit	deposit	NOUN
easat-2128	182	12	ratio	ratio	NOUN
easat-2128	182	13	)	)	PUNCT
easat-2128	182	14	liq	liq	NOUN
easat-2128	182	15	the	the	DET
easat-2128	182	16	size	size	NOUN
easat-2128	182	17	of	of	ADP
easat-2128	182	18	a	a	DET
easat-2128	182	19	bank	bank	NOUN
easat-2128	182	20	's	's	PART
easat-2128	182	21	liquidity	liquidity	NOUN
easat-2128	182	22	position	position	NOUN
easat-2128	182	23	is	be	AUX
easat-2128	182	24	also	also	ADV
easat-2128	182	25	a	a	DET
easat-2128	182	26	measure	measure	NOUN
easat-2128	182	27	of	of	ADP
easat-2128	182	28	financial	financial	ADJ
easat-2128	182	29	intermediation	intermediation	NOUN
easat-2128	182	30	.	.	PUNCT
easat-2128	183	1	[	[	X
easat-2128	183	2	76	76	NUM
easat-2128	183	3	]	]	X
easat-2128	183	4	;	;	PUNCT
easat-2128	183	5	ebenezer	ebenezer	PROPN
easat-2128	183	6	et	et	PROPN
easat-2128	183	7	al	al	PROPN
easat-2128	183	8	.	.	PROPN
easat-2128	183	9	,	,	PUNCT
easat-2128	184	1	[	[	X
easat-2128	184	2	72	72	NUM
easat-2128	184	3	]	]	X
easat-2128	184	4	liquidity	liquidity	NOUN
easat-2128	184	5	(	(	PUNCT
easat-2128	184	6	liquid	liquid	ADJ
easat-2128	184	7	asset	asset	NOUN
easat-2128	184	8	liq	liq	NOUN
easat-2128	184	9	the	the	DET
easat-2128	184	10	ability	ability	NOUN
easat-2128	184	11	to	to	PART
easat-2128	184	12	convert	convert	VERB
easat-2128	184	13	an	an	DET
easat-2128	184	14	asset	asset	NOUN
easat-2128	184	15	into	into	ADP
easat-2128	184	16	cash	cash	NOUN
easat-2128	184	17	is	be	AUX
easat-2128	184	18	[	[	X
easat-2128	184	19	78	78	NUM
easat-2128	184	20	]	]	PUNCT
easat-2128	184	21	;	;	PUNCT
easat-2128	185	1	[	[	X
easat-2128	185	2	79];[80	79];[80	NUM
easat-2128	185	3	]	]	X
easat-2128	185	4	;	;	PUNCT
easat-2128	186	1	[	[	X
easat-2128	186	2	81	81	NUM
easat-2128	186	3	]	]	PUNCT
easat-2128	186	4	;	;	PUNCT
easat-2128	186	5	doan	doan	PROPN
easat-2128	186	6	&	&	CCONJ
easat-2128	186	7	bui	bui	PROPN
easat-2128	186	8	,	,	PUNCT
easat-2128	186	9	564	564	NUM
easat-2128	186	10	edelweiss	edelweiss	PROPN
easat-2128	186	11	applied	apply	VERB
easat-2128	186	12	science	science	NOUN
easat-2128	186	13	and	and	CCONJ
easat-2128	186	14	technology	technology	NOUN
easat-2128	186	15	issn	issn	PROPN
easat-2128	186	16	:	:	PUNCT
easat-2128	186	17	2576	2576	NUM
easat-2128	186	18	-	-	SYM
easat-2128	186	19	8484	8484	NUM
easat-2128	186	20	vol	vol	NOUN
easat-2128	186	21	.	.	PROPN
easat-2128	186	22	8	8	NUM
easat-2128	186	23	,	,	PUNCT
easat-2128	186	24	no	no	INTJ
easat-2128	186	25	.	.	NOUN
easat-2128	187	1	6	6	NUM
easat-2128	187	2	:	:	SYM
easat-2128	187	3	559	559	NUM
easat-2128	187	4	-	-	SYM
easat-2128	187	5	571	571	NUM
easat-2128	187	6	,	,	PUNCT
easat-2128	187	7	2024	2024	NUM
easat-2128	187	8	doi	doi	NOUN
easat-2128	187	9	:	:	PUNCT
easat-2128	187	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	187	11	©	©	PROPN
easat-2128	187	12	2024	2024	NUM
easat-2128	187	13	by	by	ADP
easat-2128	187	14	the	the	DET
easat-2128	187	15	authors	author	NOUN
easat-2128	187	16	;	;	PUNCT
easat-2128	188	1	licensee	licensee	PROPN
easat-2128	188	2	learning	learn	VERB
easat-2128	188	3	gate	gate	NOUN
easat-2128	188	4	ratio	ratio	NOUN
easat-2128	188	5	)	)	PUNCT
easat-2128	188	6	known	know	VERB
easat-2128	188	7	as	as	ADP
easat-2128	188	8	liquidity	liquidity	NOUN
easat-2128	188	9	.	.	PUNCT
easat-2128	189	1	[	[	X
easat-2128	189	2	77	77	NUM
easat-2128	189	3	]	]	X
easat-2128	189	4	independent	independent	ADJ
easat-2128	189	5	variable	variable	ADJ
easat-2128	189	6	income	income	NOUN
easat-2128	189	7	diversification	diversification	NOUN
easat-2128	189	8	divin	divin	PROPN
easat-2128	189	9	hirshman	hirshman	PROPN
easat-2128	189	10	-	-	PUNCT
easat-2128	189	11	herfindahl	herfindahl	PROPN
easat-2128	189	12	index	index	NOUN
easat-2128	189	13	elsas	elsas	PROPN
easat-2128	189	14	et	et	PROPN
easat-2128	189	15	al	al	PROPN
easat-2128	190	1	[	[	X
easat-2128	190	2	78	78	NUM
easat-2128	190	3	]	]	PUNCT
easat-2128	190	4	asset	asset	NOUN
easat-2128	190	5	diversification	diversification	NOUN
easat-2128	190	6	divas	divas	PROPN
easat-2128	190	7	hirshman	hirshman	PROPN
easat-2128	190	8	-	-	PUNCT
easat-2128	190	9	herfindahl	herfindahl	PROPN
easat-2128	190	10	index	index	NOUN
easat-2128	190	11	[	[	X
easat-2128	190	12	83	83	NUM
easat-2128	190	13	]	]	PUNCT
easat-2128	190	14	moderation	moderation	NOUN
easat-2128	190	15	variable	variable	NOUN
easat-2128	190	16	digital	digital	ADJ
easat-2128	190	17	banking	banking	NOUN
easat-2128	190	18	adoption	adoption	NOUN
easat-2128	190	19	digil	digil	NOUN
easat-2128	190	20	the	the	DET
easat-2128	190	21	ratio	ratio	NOUN
easat-2128	190	22	of	of	ADP
easat-2128	190	23	each	each	DET
easat-2128	190	24	bank	bank	NOUN
easat-2128	190	25	's	's	PART
easat-2128	190	26	total	total	ADJ
easat-2128	190	27	assets	asset	NOUN
easat-2128	190	28	to	to	ADP
easat-2128	190	29	its	its	PRON
easat-2128	190	30	software	software	NOUN
easat-2128	190	31	and	and	CCONJ
easat-2128	190	32	hardware	hardware	NOUN
easat-2128	190	33	investments	investment	NOUN
easat-2128	190	34	beccalli	beccalli	VERB
easat-2128	191	1	[	[	X
easat-2128	191	2	79	79	NUM
easat-2128	191	3	]	]	PUNCT
easat-2128	191	4	;	;	PUNCT
easat-2128	192	1	valverde	valverde	PROPN
easat-2128	192	2	et	et	PROPN
easat-2128	192	3	al	al	PROPN
easat-2128	193	1	[	[	X
easat-2128	193	2	12	12	NUM
easat-2128	193	3	]	]	PUNCT
easat-2128	193	4	control	control	NOUN
easat-2128	193	5	variable	variable	PROPN
easat-2128	193	6	bank	bank	PROPN
easat-2128	193	7	size	size	NOUN
easat-2128	193	8	size	size	NOUN
easat-2128	193	9	we	we	PRON
easat-2128	193	10	use	use	VERB
easat-2128	193	11	the	the	DET
easat-2128	193	12	natural	natural	ADJ
easat-2128	193	13	logarithm	logarithm	NOUN
easat-2128	193	14	of	of	ADP
easat-2128	193	15	total	total	ADJ
easat-2128	193	16	assets	asset	NOUN
easat-2128	193	17	(	(	PUNCT
easat-2128	193	18	logta	logta	ADJ
easat-2128	193	19	)	)	PUNCT
easat-2128	193	20	.	.	PUNCT
easat-2128	194	1	s.	s.	PROPN
easat-2128	194	2	p.	p.	PROPN
easat-2128	194	3	lee	lee	PROPN
easat-2128	194	4	&	&	CCONJ
easat-2128	194	5	isa	isa	PROPN
easat-2128	194	6	,	,	PUNCT
easat-2128	194	7	[	[	X
easat-2128	194	8	80	80	NUM
easat-2128	194	9	]	]	X
easat-2128	194	10	capital	capital	NOUN
easat-2128	194	11	cap	cap	NOUN
easat-2128	194	12	the	the	DET
easat-2128	194	13	ratio	ratio	NOUN
easat-2128	194	14	of	of	ADP
easat-2128	194	15	total	total	ADJ
easat-2128	194	16	equity	equity	NOUN
easat-2128	194	17	to	to	ADP
easat-2128	194	18	total	total	ADJ
easat-2128	194	19	assets	asset	NOUN
easat-2128	194	20	.	.	PUNCT
easat-2128	195	1	[	[	X
easat-2128	195	2	86	86	NUM
easat-2128	195	3	]	]	PUNCT
easat-2128	195	4	;	;	PUNCT
easat-2128	195	5	(	(	PUNCT
easat-2128	195	6	berger	berger	PROPN
easat-2128	195	7	&	&	CCONJ
easat-2128	195	8	bouwman	bouwman	PROPN
easat-2128	196	1	[	[	X
easat-2128	196	2	82	82	NUM
easat-2128	196	3	]	]	X
easat-2128	196	4	risk	risk	NOUN
easat-2128	196	5	(	(	PUNCT
easat-2128	196	6	nonperforming	nonperforme	VERB
easat-2128	196	7	loan	loan	NOUN
easat-2128	196	8	)	)	PUNCT
easat-2128	196	9	risk	risk	NOUN
easat-2128	196	10	npls	npls	NOUN
easat-2128	196	11	are	be	AUX
easat-2128	196	12	a	a	DET
easat-2128	196	13	measure	measure	NOUN
easat-2128	196	14	of	of	ADP
easat-2128	196	15	a	a	DET
easat-2128	196	16	bank	bank	NOUN
easat-2128	196	17	's	's	PART
easat-2128	196	18	credit	credit	NOUN
easat-2128	196	19	risk	risk	NOUN
easat-2128	196	20	.	.	PUNCT
easat-2128	197	1	beck	beck	NOUN
easat-2128	197	2	et	et	PROPN
easat-2128	197	3	al	al	PROPN
easat-2128	198	1	[	[	X
easat-2128	198	2	30	30	NUM
easat-2128	198	3	]	]	X
easat-2128	198	4	;	;	PUNCT
easat-2128	198	5	abedifar	abedifar	ADV
easat-2128	198	6	et	et	PROPN
easat-2128	198	7	al	al	PROPN
easat-2128	198	8	.	.	PROPN
easat-2128	198	9	,	,	PUNCT
easat-2128	199	1	[	[	X
easat-2128	199	2	83	83	NUM
easat-2128	199	3	]	]	PUNCT
easat-2128	199	4	market	market	NOUN
easat-2128	199	5	share	share	NOUN
easat-2128	199	6	market	market	NOUN
easat-2128	199	7	market	market	NOUN
easat-2128	199	8	share	share	NOUN
easat-2128	199	9	is	be	AUX
easat-2128	199	10	measured	measure	VERB
easat-2128	199	11	as	as	ADP
easat-2128	199	12	(	(	PUNCT
easat-2128	199	13	di	di	NOUN
easat-2128	199	14	/	/	SYM
easat-2128	199	15	td)2	td)2	NOUN
easat-2128	199	16	,	,	PUNCT
easat-2128	199	17	where	where	SCONJ
easat-2128	199	18	"	"	PUNCT
easat-2128	199	19	di	di	NOUN
easat-2128	199	20	"	"	PUNCT
easat-2128	199	21	represents	represent	VERB
easat-2128	199	22	the	the	DET
easat-2128	199	23	total	total	ADJ
easat-2128	199	24	deposits	deposit	NOUN
easat-2128	199	25	of	of	ADP
easat-2128	199	26	bank	bank	NOUN
easat-2128	199	27	i	i	PRON
easat-2128	199	28	and	and	CCONJ
easat-2128	199	29	td	td	NOUN
easat-2128	199	30	represents	represent	VERB
easat-2128	199	31	the	the	DET
easat-2128	199	32	total	total	ADJ
easat-2128	199	33	deposits	deposit	NOUN
easat-2128	199	34	in	in	ADP
easat-2128	199	35	the	the	DET
easat-2128	199	36	banking	banking	NOUN
easat-2128	199	37	system	system	NOUN
easat-2128	199	38	.	.	PUNCT
easat-2128	200	1	hoang	hoang	PROPN
easat-2128	200	2	et	et	PROPN
easat-2128	200	3	al	al	PROPN
easat-2128	200	4	.	.	PROPN
easat-2128	200	5	,	,	PUNCT
easat-2128	201	1	[	[	X
easat-2128	201	2	58	58	NUM
easat-2128	201	3	]	]	PUNCT
easat-2128	201	4	where	where	SCONJ
easat-2128	201	5	:	:	PUNCT
easat-2128	201	6	liq	liq	NOUN
easat-2128	201	7	represents	represent	VERB
easat-2128	201	8	bank	bank	NOUN
easat-2128	201	9	liquidity	liquidity	NOUN
easat-2128	201	10	,	,	PUNCT
easat-2128	201	11	this	this	DET
easat-2128	201	12	study	study	NOUN
easat-2128	201	13	considers	consider	VERB
easat-2128	201	14	liquidity	liquidity	NOUN
easat-2128	201	15	as	as	ADP
easat-2128	201	16	the	the	DET
easat-2128	201	17	dependent	dependent	ADJ
easat-2128	201	18	variable	variable	NOUN
easat-2128	201	19	,	,	PUNCT
easat-2128	201	20	which	which	PRON
easat-2128	201	21	is	be	AUX
easat-2128	201	22	measured	measure	VERB
easat-2128	201	23	using	use	VERB
easat-2128	201	24	two	two	NUM
easat-2128	201	25	indicators	indicator	NOUN
easat-2128	201	26	:	:	PUNCT
easat-2128	201	27	the	the	DET
easat-2128	201	28	loan	loan	NOUN
easat-2128	201	29	-	-	PUNCT
easat-2128	201	30	to	to	ADP
easat-2128	201	31	-	-	PUNCT
easat-2128	201	32	deposit	deposit	NOUN
easat-2128	201	33	ratio	ratio	NOUN
easat-2128	201	34	and	and	CCONJ
easat-2128	201	35	the	the	DET
easat-2128	201	36	liquid	liquid	ADJ
easat-2128	201	37	asset	asset	NOUN
easat-2128	201	38	ratio	ratio	NOUN
easat-2128	201	39	.	.	PUNCT
easat-2128	202	1	;	;	PUNCT
easat-2128	202	2	divin	divin	PROPN
easat-2128	202	3	represents	represent	VERB
easat-2128	202	4	bank	bank	NOUN
easat-2128	202	5	income	income	NOUN
easat-2128	202	6	diversification	diversification	NOUN
easat-2128	202	7	;	;	PUNCT
easat-2128	202	8	divas	divas	NOUN
easat-2128	202	9	represents	represent	VERB
easat-2128	202	10	a	a	DET
easat-2128	202	11	diversification	diversification	NOUN
easat-2128	202	12	of	of	ADP
easat-2128	202	13	bank	bank	NOUN
easat-2128	202	14	assets	asset	NOUN
easat-2128	202	15	;	;	PUNCT
easat-2128	202	16	digil	digil	NOUN
easat-2128	202	17	represents	represent	VERB
easat-2128	202	18	digital	digital	ADJ
easat-2128	202	19	banking	banking	NOUN
easat-2128	202	20	adoption	adoption	NOUN
easat-2128	202	21	;	;	PUNCT
easat-2128	202	22	divinit	divinit	NOUN
easat-2128	202	23	*	*	PUNCT
easat-2128	202	24	digilit	digilit	PROPN
easat-2128	202	25	represents	represent	VERB
easat-2128	202	26	the	the	DET
easat-2128	202	27	interplay	interplay	NOUN
easat-2128	202	28	between	between	ADP
easat-2128	202	29	income	income	NOUN
easat-2128	202	30	diversification	diversification	NOUN
easat-2128	202	31	and	and	CCONJ
easat-2128	202	32	digital	digital	ADJ
easat-2128	202	33	adoption	adoption	NOUN
easat-2128	202	34	;	;	PUNCT
easat-2128	202	35	divasit	divasit	NOUN
easat-2128	202	36	.	.	PUNCT
easat-2128	203	1	digilit	digilit	PROPN
easat-2128	203	2	refers	refer	VERB
easat-2128	203	3	to	to	ADP
easat-2128	203	4	the	the	DET
easat-2128	203	5	integration	integration	NOUN
easat-2128	203	6	of	of	ADP
easat-2128	203	7	asset	asset	NOUN
easat-2128	203	8	diversification	diversification	NOUN
easat-2128	203	9	with	with	ADP
easat-2128	203	10	the	the	DET
easat-2128	203	11	process	process	NOUN
easat-2128	203	12	of	of	ADP
easat-2128	203	13	digital	digital	ADJ
easat-2128	203	14	adoption	adoption	NOUN
easat-2128	203	15	.	.	PUNCT
easat-2128	204	1	the	the	DET
easat-2128	204	2	concept	concept	NOUN
easat-2128	204	3	of	of	ADP
easat-2128	204	4	digilit	digilit	NOUN
easat-2128	204	5	refers	refer	VERB
easat-2128	204	6	to	to	ADP
easat-2128	204	7	the	the	DET
easat-2128	204	8	interplay	interplay	NOUN
easat-2128	204	9	between	between	ADP
easat-2128	204	10	regional	regional	ADJ
easat-2128	204	11	diversification	diversification	NOUN
easat-2128	204	12	and	and	CCONJ
easat-2128	204	13	digital	digital	ADJ
easat-2128	204	14	uptake	uptake	NOUN
easat-2128	204	15	.	.	PUNCT
easat-2128	205	1	the	the	DET
easat-2128	205	2	variable	variable	ADJ
easat-2128	205	3	"	"	PUNCT
easat-2128	205	4	size	size	NOUN
easat-2128	205	5	"	"	PUNCT
easat-2128	205	6	represents	represent	VERB
easat-2128	205	7	the	the	DET
easat-2128	205	8	company	company	NOUN
easat-2128	205	9	's	's	PART
easat-2128	205	10	size	size	NOUN
easat-2128	205	11	,	,	PUNCT
easat-2128	205	12	precisely	precisely	ADV
easat-2128	205	13	measured	measure	VERB
easat-2128	205	14	by	by	ADP
easat-2128	205	15	the	the	DET
easat-2128	205	16	natural	natural	ADJ
easat-2128	205	17	logarithm	logarithm	NOUN
easat-2128	205	18	of	of	ADP
easat-2128	205	19	total	total	ADJ
easat-2128	205	20	assets	asset	NOUN
easat-2128	205	21	.	.	PUNCT
easat-2128	206	1	"	"	PUNCT
easat-2128	206	2	cap	cap	NOUN
easat-2128	206	3	"	"	PUNCT
easat-2128	206	4	refers	refer	VERB
easat-2128	206	5	to	to	ADP
easat-2128	206	6	the	the	DET
easat-2128	206	7	bank	bank	NOUN
easat-2128	206	8	's	's	PART
easat-2128	206	9	capital	capital	NOUN
easat-2128	206	10	,	,	PUNCT
easat-2128	206	11	while	while	SCONJ
easat-2128	206	12	"	"	PUNCT
easat-2128	206	13	risk	risk	NOUN
easat-2128	206	14	"	"	PUNCT
easat-2128	206	15	represents	represent	VERB
easat-2128	206	16	the	the	DET
easat-2128	206	17	level	level	NOUN
easat-2128	206	18	of	of	ADP
easat-2128	206	19	financing	financing	NOUN
easat-2128	206	20	risk	risk	NOUN
easat-2128	206	21	,	,	PUNCT
easat-2128	206	22	specifically	specifically	ADV
easat-2128	206	23	measured	measure	VERB
easat-2128	206	24	by	by	ADP
easat-2128	206	25	the	the	DET
easat-2128	206	26	proportion	proportion	NOUN
easat-2128	206	27	of	of	ADP
easat-2128	206	28	non	non	ADJ
easat-2128	206	29	-	-	ADJ
easat-2128	206	30	performing	perform	VERB
easat-2128	206	31	loans	loan	NOUN
easat-2128	206	32	.	.	PUNCT
easat-2128	207	1	lastly	lastly	ADV
easat-2128	207	2	,	,	PUNCT
easat-2128	207	3	"	"	PUNCT
easat-2128	207	4	market	market	NOUN
easat-2128	207	5	"	"	PUNCT
easat-2128	207	6	denotes	denote	VERB
easat-2128	207	7	the	the	DET
easat-2128	207	8	market	market	NOUN
easat-2128	207	9	share	share	NOUN
easat-2128	207	10	of	of	ADP
easat-2128	207	11	the	the	DET
easat-2128	207	12	company	company	NOUN
easat-2128	207	13	.	.	PUNCT
easat-2128	208	1	4	4	X
easat-2128	208	2	.	.	NOUN
easat-2128	208	3	results	result	NOUN
easat-2128	208	4	and	and	CCONJ
easat-2128	208	5	discussion	discussion	NOUN
easat-2128	208	6	table	table	NOUN
easat-2128	208	7	3	3	NUM
easat-2128	208	8	demonstrates	demonstrate	VERB
easat-2128	208	9	that	that	SCONJ
easat-2128	208	10	a	a	DET
easat-2128	208	11	mere	mere	ADJ
easat-2128	208	12	18.93	18.93	NUM
easat-2128	208	13	%	%	NOUN
easat-2128	208	14	of	of	ADP
easat-2128	208	15	banks	bank	NOUN
easat-2128	208	16	as	as	SCONJ
easat-2128	208	17	the	the	DET
easat-2128	208	18	observation	observation	NOUN
easat-2128	208	19	have	have	VERB
easat-2128	208	20	a	a	DET
easat-2128	208	21	diversified	diversified	ADJ
easat-2128	208	22	income	income	NOUN
easat-2128	208	23	structure	structure	NOUN
easat-2128	208	24	,	,	PUNCT
easat-2128	208	25	encompassing	encompass	VERB
easat-2128	208	26	both	both	CCONJ
easat-2128	208	27	interest	interest	NOUN
easat-2128	208	28	and	and	CCONJ
easat-2128	208	29	non	non	ADJ
easat-2128	208	30	-	-	ADJ
easat-2128	208	31	interest	interest	ADJ
easat-2128	208	32	income	income	NOUN
easat-2128	208	33	.	.	PUNCT
easat-2128	209	1	their	their	PRON
easat-2128	209	2	income	income	NOUN
easat-2128	209	3	structure	structure	NOUN
easat-2128	209	4	implies	imply	VERB
easat-2128	209	5	that	that	SCONJ
easat-2128	209	6	bank	bank	NOUN
easat-2128	209	7	operation	operation	NOUN
easat-2128	209	8	in	in	ADP
easat-2128	209	9	indonesian	indonesian	PROPN
easat-2128	209	10	are	be	AUX
easat-2128	209	11	comparable	comparable	ADJ
easat-2128	209	12	to	to	ADP
easat-2128	209	13	those	those	PRON
easat-2128	209	14	of	of	ADP
easat-2128	209	15	banks	bank	NOUN
easat-2128	209	16	in	in	ADP
easat-2128	209	17	other	other	ADJ
easat-2128	209	18	nations	nation	NOUN
easat-2128	209	19	,	,	PUNCT
easat-2128	209	20	as	as	SCONJ
easat-2128	209	21	they	they	PRON
easat-2128	209	22	continue	continue	VERB
easat-2128	209	23	to	to	PART
easat-2128	209	24	derive	derive	VERB
easat-2128	209	25	a	a	DET
easat-2128	209	26	significant	significant	ADJ
easat-2128	209	27	portion	portion	NOUN
easat-2128	209	28	of	of	ADP
easat-2128	209	29	their	their	PRON
easat-2128	209	30	revenue	revenue	NOUN
easat-2128	209	31	from	from	ADP
easat-2128	209	32	interest	interest	NOUN
easat-2128	209	33	on	on	ADP
easat-2128	209	34	loans	loan	NOUN
easat-2128	209	35	.	.	PUNCT
easat-2128	210	1	a	a	DET
easat-2128	210	2	considerable	considerable	ADJ
easat-2128	210	3	proportion	proportion	NOUN
easat-2128	210	4	,	,	PUNCT
easat-2128	210	5	precisely	precisely	ADV
easat-2128	210	6	565	565	NUM
easat-2128	210	7	edelweiss	edelweiss	PROPN
easat-2128	210	8	applied	apply	VERB
easat-2128	210	9	science	science	NOUN
easat-2128	210	10	and	and	CCONJ
easat-2128	210	11	technology	technology	NOUN
easat-2128	210	12	issn	issn	PROPN
easat-2128	210	13	:	:	PUNCT
easat-2128	210	14	2576	2576	NUM
easat-2128	210	15	-	-	SYM
easat-2128	210	16	8484	8484	NUM
easat-2128	210	17	vol	vol	NOUN
easat-2128	210	18	.	.	PROPN
easat-2128	210	19	8	8	NUM
easat-2128	210	20	,	,	PUNCT
easat-2128	210	21	no	no	INTJ
easat-2128	210	22	.	.	NOUN
easat-2128	211	1	6	6	NUM
easat-2128	211	2	:	:	SYM
easat-2128	211	3	559	559	NUM
easat-2128	211	4	-	-	SYM
easat-2128	211	5	571	571	NUM
easat-2128	211	6	,	,	PUNCT
easat-2128	211	7	2024	2024	NUM
easat-2128	211	8	doi	doi	NOUN
easat-2128	211	9	:	:	PUNCT
easat-2128	211	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	211	11	©	©	PROPN
easat-2128	211	12	2024	2024	NUM
easat-2128	211	13	by	by	ADP
easat-2128	211	14	the	the	DET
easat-2128	211	15	authors	author	NOUN
easat-2128	211	16	;	;	PUNCT
easat-2128	211	17	licensee	licensee	PROPN
easat-2128	211	18	learning	learn	VERB
easat-2128	211	19	gate	gate	NOUN
easat-2128	211	20	49.15	49.15	NUM
easat-2128	211	21	%	%	NOUN
easat-2128	211	22	,	,	PUNCT
easat-2128	211	23	of	of	ADP
easat-2128	211	24	commercials	commercial	NOUN
easat-2128	211	25	indonesian	indonesian	ADJ
easat-2128	211	26	banks	bank	NOUN
easat-2128	211	27	have	have	AUX
easat-2128	211	28	undertaken	undertake	VERB
easat-2128	211	29	asset	asset	NOUN
easat-2128	211	30	diversification	diversification	NOUN
easat-2128	211	31	.	.	PUNCT
easat-2128	212	1	assets	asset	NOUN
easat-2128	212	2	are	be	AUX
easat-2128	212	3	allocated	allocate	VERB
easat-2128	212	4	among	among	ADP
easat-2128	212	5	various	various	ADJ
easat-2128	212	6	financial	financial	ADJ
easat-2128	212	7	instruments	instrument	NOUN
easat-2128	212	8	,	,	PUNCT
easat-2128	212	9	including	include	VERB
easat-2128	212	10	cash	cash	NOUN
easat-2128	212	11	,	,	PUNCT
easat-2128	212	12	loans	loan	NOUN
easat-2128	212	13	,	,	PUNCT
easat-2128	212	14	inter	inter	ADJ
easat-2128	212	15	-	-	ADJ
easat-2128	212	16	bank	bank	ADJ
easat-2128	212	17	loans	loan	NOUN
easat-2128	212	18	,	,	PUNCT
easat-2128	212	19	securities	security	NOUN
easat-2128	212	20	,	,	PUNCT
easat-2128	212	21	and	and	CCONJ
easat-2128	212	22	other	other	ADJ
easat-2128	212	23	types	type	NOUN
easat-2128	212	24	of	of	ADP
easat-2128	212	25	assets	asset	NOUN
easat-2128	212	26	.	.	PUNCT
easat-2128	213	1	the	the	DET
easat-2128	213	2	geographical	geographical	ADJ
easat-2128	213	3	diversification	diversification	NOUN
easat-2128	213	4	of	of	ADP
easat-2128	213	5	commercial	commercial	ADJ
easat-2128	213	6	banks	bank	NOUN
easat-2128	213	7	is	be	AUX
easat-2128	213	8	limited	limit	VERB
easat-2128	213	9	to	to	ADP
easat-2128	213	10	0.459	0.459	NUM
easat-2128	213	11	%	%	NOUN
easat-2128	213	12	due	due	ADP
easat-2128	213	13	to	to	ADP
easat-2128	213	14	their	their	PRON
easat-2128	213	15	focus	focus	NOUN
easat-2128	213	16	on	on	ADP
easat-2128	213	17	serving	serve	VERB
easat-2128	213	18	local	local	ADJ
easat-2128	213	19	areas	area	NOUN
easat-2128	213	20	within	within	ADP
easat-2128	213	21	a	a	DET
easat-2128	213	22	single	single	ADJ
easat-2128	213	23	province	province	NOUN
easat-2128	213	24	.	.	PUNCT
easat-2128	214	1	if	if	SCONJ
easat-2128	214	2	a	a	DET
easat-2128	214	3	commercial	commercial	ADJ
easat-2128	214	4	bank	bank	NOUN
easat-2128	214	5	establishes	establish	VERB
easat-2128	214	6	a	a	DET
easat-2128	214	7	branch	branch	NOUN
easat-2128	214	8	office	office	NOUN
easat-2128	214	9	beyond	beyond	ADP
easat-2128	214	10	its	its	PRON
easat-2128	214	11	jurisdiction	jurisdiction	NOUN
easat-2128	214	12	,	,	PUNCT
easat-2128	214	13	it	it	PRON
easat-2128	214	14	is	be	AUX
easat-2128	214	15	often	often	ADV
easat-2128	214	16	situated	situate	VERB
easat-2128	214	17	in	in	ADP
easat-2128	214	18	the	the	DET
easat-2128	214	19	capital	capital	NOUN
easat-2128	214	20	city	city	NOUN
easat-2128	214	21	of	of	ADP
easat-2128	214	22	the	the	DET
easat-2128	214	23	respective	respective	ADJ
easat-2128	214	24	nation	nation	NOUN
easat-2128	214	25	.	.	PUNCT
easat-2128	215	1	even	even	ADV
easat-2128	215	2	,	,	PUNCT
easat-2128	215	3	the	the	DET
easat-2128	215	4	regional	regional	PROPN
easat-2128	215	5	development	development	PROPN
easat-2128	215	6	bank	bank	PROPN
easat-2128	215	7	(	(	PUNCT
easat-2128	215	8	bpd	bpd	NOUN
easat-2128	215	9	)	)	PUNCT
easat-2128	215	10	considers	consider	VERB
easat-2128	215	11	facilitating	facilitate	VERB
easat-2128	215	12	significant	significant	ADJ
easat-2128	215	13	customer	customer	NOUN
easat-2128	215	14	transactions	transaction	NOUN
easat-2128	215	15	,	,	PUNCT
easat-2128	215	16	particularly	particularly	ADV
easat-2128	215	17	for	for	ADP
easat-2128	215	18	organizations	organization	NOUN
easat-2128	215	19	whose	whose	DET
easat-2128	215	20	networks	network	NOUN
easat-2128	215	21	and	and	CCONJ
easat-2128	215	22	commercial	commercial	ADJ
easat-2128	215	23	operations	operation	NOUN
easat-2128	215	24	are	be	AUX
easat-2128	215	25	linked	link	VERB
easat-2128	215	26	to	to	ADP
easat-2128	215	27	the	the	DET
easat-2128	215	28	national	national	ADJ
easat-2128	215	29	capital	capital	NOUN
easat-2128	215	30	.	.	PUNCT
easat-2128	216	1	the	the	DET
easat-2128	216	2	ownership	ownership	NOUN
easat-2128	216	3	of	of	ADP
easat-2128	216	4	regional	regional	ADJ
easat-2128	216	5	development	development	NOUN
easat-2128	216	6	bank	bank	NOUN
easat-2128	216	7	shares	share	NOUN
easat-2128	216	8	is	be	AUX
easat-2128	216	9	vested	vest	VERB
easat-2128	216	10	in	in	ADP
easat-2128	216	11	provincial	provincial	ADJ
easat-2128	216	12	governments	government	NOUN
easat-2128	216	13	.	.	PUNCT
easat-2128	217	1	the	the	DET
easat-2128	217	2	acceptance	acceptance	NOUN
easat-2128	217	3	and	and	CCONJ
easat-2128	217	4	investment	investment	NOUN
easat-2128	217	5	in	in	ADP
easat-2128	217	6	bank	bank	NOUN
easat-2128	217	7	digititalization	digititalization	NOUN
easat-2128	217	8	remain	remain	VERB
easat-2128	217	9	limited	limited	ADJ
easat-2128	217	10	,	,	PUNCT
easat-2128	217	11	with	with	ADP
easat-2128	217	12	only	only	ADV
easat-2128	217	13	16.795	16.795	NUM
easat-2128	217	14	%	%	NOUN
easat-2128	217	15	of	of	ADP
easat-2128	217	16	banks	bank	NOUN
easat-2128	217	17	embracing	embrace	VERB
easat-2128	217	18	this	this	DET
easat-2128	217	19	transformation	transformation	NOUN
easat-2128	217	20	.	.	PUNCT
easat-2128	218	1	it	it	PRON
easat-2128	218	2	is	be	AUX
easat-2128	218	3	mainly	mainly	ADV
easat-2128	218	4	due	due	ADP
easat-2128	218	5	to	to	ADP
easat-2128	218	6	the	the	DET
easat-2128	218	7	almost	almost	ADV
easat-2128	218	8	of	of	ADP
easat-2128	218	9	commercial	commercial	ADJ
easat-2128	218	10	bank	bank	NOUN
easat-2128	218	11	in	in	ADP
easat-2128	218	12	indonesia	indonesia	PROPN
easat-2128	218	13	,	,	PUNCT
easat-2128	218	14	which	which	PRON
easat-2128	218	15	primarily	primarily	ADV
easat-2128	218	16	cater	cater	VERB
easat-2128	218	17	to	to	ADP
easat-2128	218	18	customers	customer	NOUN
easat-2128	218	19	who	who	PRON
easat-2128	218	20	predominantly	predominantly	ADV
easat-2128	218	21	require	require	VERB
easat-2128	218	22	micro	micro	ADJ
easat-2128	218	23	-	-	ADJ
easat-2128	218	24	banking	banking	ADJ
easat-2128	218	25	services	service	NOUN
easat-2128	218	26	.	.	PUNCT
easat-2128	219	1	table	table	NOUN
easat-2128	219	2	3	3	NUM
easat-2128	219	3	.	.	X
easat-2128	219	4	descpriptive	descpriptive	ADJ
easat-2128	219	5	statistics	statistic	NOUN
easat-2128	219	6	.	.	PUNCT
easat-2128	220	1	n	n	PRON
easat-2128	220	2	mean	mean	VERB
easat-2128	220	3	minimum	minimum	ADJ
easat-2128	220	4	maximum	maximum	ADJ
easat-2128	220	5	std	std	NOUN
easat-2128	220	6	.	.	PUNCT
easat-2128	221	1	deviation	deviation	NOUN
easat-2128	221	2	liquid	liquid	ADJ
easat-2128	221	3	ratio	ratio	NOUN
easat-2128	221	4	871	871	NUM
easat-2128	221	5	0.32366	0.32366	NUM
easat-2128	221	6	0.112654	0.112654	NUM
easat-2128	221	7	1.116800	1.116800	NUM
easat-2128	221	8	0.11611	0.11611	NUM
easat-2128	221	9	ldr	ldr	NOUN
easat-2128	221	10	871	871	NUM
easat-2128	222	1	0.89612	0.89612	NUM
easat-2128	222	2	0.008400	0.008400	NUM
easat-2128	222	3	2.475600	2.475600	NUM
easat-2128	222	4	0.22027	0.22027	NUM
easat-2128	222	5	div_income	div_income	NOUN
easat-2128	222	6	871	871	NUM
easat-2128	222	7	0.18927	0.18927	NUM
easat-2128	222	8	0.005260	0.005260	NUM
easat-2128	222	9	0.499850	0.499850	NUM
easat-2128	222	10	0.12419	0.12419	NUM
easat-2128	222	11	div_asset	div_asset	VERB
easat-2128	222	12	871	871	NUM
easat-2128	222	13	0.49152	0.49152	NUM
easat-2128	222	14	0.093355	0.093355	NUM
easat-2128	222	15	0.730000	0.730000	NUM
easat-2128	222	16	0.09142	0.09142	NUM
easat-2128	223	1	digital	digital	ADJ
easat-2128	223	2	871	871	NUM
easat-2128	223	3	0.16795	0.16795	NUM
easat-2128	223	4	0.000363	0.000363	NUM
easat-2128	223	5	0.843700	0.843700	NUM
easat-2128	223	6	0.18067	0.18067	NUM
easat-2128	223	7	size	size	NOUN
easat-2128	223	8	871	871	NUM
easat-2128	223	9	4.54962	4.54962	NUM
easat-2128	223	10	2.523746	2.523746	NUM
easat-2128	223	11	14.361090	14.361090	NUM
easat-2128	223	12	2.10460	2.10460	NUM
easat-2128	223	13	capital	capital	NOUN
easat-2128	223	14	871	871	NUM
easat-2128	223	15	0.16259	0.16259	NUM
easat-2128	223	16	0.021250	0.021250	NUM
easat-2128	223	17	1.184830	1.184830	NUM
easat-2128	223	18	0.10264	0.10264	NUM
easat-2128	223	19	npl	npl	NOUN
easat-2128	223	20	871	871	NUM
easat-2128	223	21	2.90750	2.90750	NUM
easat-2128	223	22	0.000000	0.000000	NUM
easat-2128	223	23	275	275	NUM
easat-2128	223	24	9.47218	9.47218	NUM
easat-2128	223	25	market	market	NOUN
easat-2128	223	26	871	871	NUM
easat-2128	223	27	0.00459	0.00459	NUM
easat-2128	223	28	0.000008	0.000008	NUM
easat-2128	223	29	0.156950	0.156950	NUM
easat-2128	223	30	0.01020	0.01020	NUM
easat-2128	223	31	4.1	4.1	NUM
easat-2128	223	32	.	.	PUNCT
easat-2128	224	1	income	income	NOUN
easat-2128	224	2	diversification	diversification	NOUN
easat-2128	224	3	and	and	CCONJ
easat-2128	224	4	bank	bank	NOUN
easat-2128	224	5	liquidity	liquidity	NOUN
easat-2128	224	6	the	the	DET
easat-2128	224	7	intermediary	intermediary	ADJ
easat-2128	224	8	function	function	NOUN
easat-2128	224	9	of	of	ADP
easat-2128	224	10	traditional	traditional	ADJ
easat-2128	224	11	banks	bank	NOUN
easat-2128	224	12	hinges	hinge	VERB
easat-2128	224	13	on	on	ADP
easat-2128	224	14	effective	effective	ADJ
easat-2128	224	15	liquidity	liquidity	NOUN
easat-2128	224	16	management	management	NOUN
easat-2128	224	17	.	.	PUNCT
easat-2128	225	1	while	while	SCONJ
easat-2128	225	2	collecting	collect	VERB
easat-2128	225	3	deposits	deposit	NOUN
easat-2128	225	4	can	can	AUX
easat-2128	225	5	increase	increase	VERB
easat-2128	225	6	a	a	DET
easat-2128	225	7	client	client	NOUN
easat-2128	225	8	's	's	PART
easat-2128	225	9	savings	saving	NOUN
easat-2128	225	10	,	,	PUNCT
easat-2128	225	11	banks	bank	NOUN
easat-2128	225	12	must	must	AUX
easat-2128	225	13	balance	balance	VERB
easat-2128	225	14	the	the	DET
easat-2128	225	15	funds	fund	NOUN
easat-2128	225	16	disbursed	disburse	VERB
easat-2128	225	17	as	as	ADP
easat-2128	225	18	loans	loan	NOUN
easat-2128	225	19	.	.	PUNCT
easat-2128	226	1	to	to	PART
easat-2128	226	2	mitigate	mitigate	VERB
easat-2128	226	3	the	the	DET
easat-2128	226	4	risk	risk	NOUN
easat-2128	226	5	of	of	ADP
easat-2128	226	6	sudden	sudden	ADJ
easat-2128	226	7	withdrawals	withdrawal	NOUN
easat-2128	226	8	,	,	PUNCT
easat-2128	226	9	maintaining	maintain	VERB
easat-2128	226	10	sufficient	sufficient	ADJ
easat-2128	226	11	liquid	liquid	ADJ
easat-2128	226	12	assets	asset	NOUN
easat-2128	226	13	is	be	AUX
easat-2128	226	14	essential	essential	ADJ
easat-2128	226	15	.	.	PUNCT
easat-2128	227	1	table	table	NOUN
easat-2128	227	2	4	4	NUM
easat-2128	227	3	.	.	PUNCT
easat-2128	228	1	regression	regression	NOUN
easat-2128	228	2	results	result	NOUN
easat-2128	228	3	:	:	PUNCT
easat-2128	228	4	income	income	NOUN
easat-2128	228	5	diversification	diversification	NOUN
easat-2128	228	6	to	to	ADP
easat-2128	228	7	liquidity	liquidity	NOUN
easat-2128	228	8	.	.	PUNCT
easat-2128	229	1	ldr	ldr	PROPN
easat-2128	229	2	(	(	PUNCT
easat-2128	229	3	test	test	NOUN
easat-2128	229	4	1	1	NUM
easat-2128	229	5	)	)	PUNCT
easat-2128	229	6	ldr	ldr	PROPN
easat-2128	229	7	(	(	PUNCT
easat-2128	229	8	test	test	NOUN
easat-2128	229	9	2	2	NUM
easat-2128	229	10	)	)	PUNCT
easat-2128	229	11	ldr	ldr	NOUN
easat-2128	229	12	(	(	PUNCT
easat-2128	229	13	test	test	NOUN
easat-2128	229	14	3	3	NUM
easat-2128	229	15	)	)	PUNCT
easat-2128	229	16	ldr	ldr	PROPN
easat-2128	229	17	(	(	PUNCT
easat-2128	229	18	test	test	NOUN
easat-2128	229	19	4	4	NUM
easat-2128	229	20	)	)	PUNCT
easat-2128	229	21	sig	sig	NOUN
easat-2128	229	22	.	.	PUNCT
easat-2128	230	1	coef	coef	PROPN
easat-2128	230	2	.	.	PUNCT
easat-2128	231	1	sig	sig	PROPN
easat-2128	231	2	.	.	PUNCT
easat-2128	232	1	coef	coef	PROPN
easat-2128	232	2	.	.	PUNCT
easat-2128	233	1	sig	sig	PROPN
easat-2128	233	2	.	.	PUNCT
easat-2128	234	1	coef	coef	PROPN
easat-2128	234	2	sig	sig	PROPN
easat-2128	234	3	.	.	PUNCT
easat-2128	235	1	coef	coef	PROPN
easat-2128	235	2	.	.	PUNCT
easat-2128	236	1	divin	divin	PROPN
easat-2128	236	2	0.000	0.000	PROPN
easat-2128	236	3	*	*	PUNCT
easat-2128	237	1	*	*	PUNCT
easat-2128	237	2	*	*	PUNCT
easat-2128	237	3	-0.650	-0.650	PUNCT
easat-2128	238	1	0.000	0.000	NUM
easat-2128	238	2	*	*	PUNCT
easat-2128	238	3	*	*	PUNCT
easat-2128	238	4	*	*	PUNCT
easat-2128	238	5	-0.502	-0.502	PUNCT
easat-2128	239	1	0.000	0.000	NUM
easat-2128	239	2	*	*	PUNCT
easat-2128	239	3	*	*	PUNCT
easat-2128	239	4	*	*	PUNCT
easat-2128	239	5	-0.670	-0.670	PUNCT
easat-2128	239	6	0.000	0.000	NUM
easat-2128	239	7	*	*	PUNCT
easat-2128	239	8	*	*	PUNCT
easat-2128	239	9	*	*	PUNCT
easat-2128	239	10	-0.506	-0.506	NUM
easat-2128	239	11	digil	digil	NOUN
easat-2128	239	12	0.000	0.000	NUM
easat-2128	239	13	*	*	PUNCT
easat-2128	240	1	*	*	PUNCT
easat-2128	240	2	*	*	PUNCT
easat-2128	240	3	0.312	0.312	NUM
easat-2128	240	4	0.000	0.000	NUM
easat-2128	240	5	*	*	PUNCT
easat-2128	240	6	*	*	PUNCT
easat-2128	240	7	*	*	X
easat-2128	240	8	0.292	0.292	NUM
easat-2128	240	9	divin*digil	divin*digil	NOUN
easat-2128	240	10	0.000	0.000	NUM
easat-2128	240	11	*	*	PUNCT
easat-2128	240	12	*	*	PUNCT
easat-2128	240	13	*	*	PUNCT
easat-2128	240	14	-0.229	-0.229	PUNCT
easat-2128	241	1	0.000	0.000	PUNCT
easat-2128	241	2	*	*	PUNCT
easat-2128	241	3	*	*	PUNCT
easat-2128	241	4	*	*	NOUN
easat-2128	241	5	-0.249	-0.249	PUNCT
easat-2128	241	6	size	size	NOUN
easat-2128	241	7	0.000	0.000	NUM
easat-2128	241	8	*	*	PUNCT
easat-2128	241	9	*	*	PUNCT
easat-2128	241	10	*	*	PUNCT
easat-2128	241	11	0.162	0.162	NUM
easat-2128	241	12	0.000	0.000	NUM
easat-2128	241	13	*	*	PUNCT
easat-2128	242	1	*	*	PUNCT
easat-2128	242	2	*	*	PUNCT
easat-2128	242	3	0.15	0.15	NUM
easat-2128	242	4	capital	capital	NOUN
easat-2128	242	5	0.000	0.000	NUM
easat-2128	242	6	*	*	PUNCT
easat-2128	243	1	*	*	PUNCT
easat-2128	243	2	*	*	PUNCT
easat-2128	243	3	0.101	0.101	NUM
easat-2128	243	4	0.005	0.005	NUM
easat-2128	243	5	*	*	PUNCT
easat-2128	243	6	*	*	PUNCT
easat-2128	244	1	*	*	PUNCT
easat-2128	244	2	0.07	0.07	NUM
easat-2128	244	3	risk	risk	NOUN
easat-2128	244	4	0.617	0.617	NUM
easat-2128	244	5	-0.013	-0.013	PUNCT
easat-2128	244	6	0.512	0.512	NUM
easat-2128	244	7	-0.016	-0.016	PUNCT
easat-2128	244	8	market	market	NOUN
easat-2128	244	9	0.852	0.852	NUM
easat-2128	244	10	-0.006	-0.006	X
easat-2128	244	11	0.55	0.55	NUM
easat-2128	244	12	-0.017	-0.017	ADP
easat-2128	244	13	r	r	NOUN
easat-2128	244	14	squared	square	VERB
easat-2128	244	15	0.422	0.422	NUM
easat-2128	244	16	0.479	0.479	NUM
easat-2128	244	17	0.449	0.449	NUM
easat-2128	244	18	0.498	0.498	NUM
easat-2128	244	19	f	f	NOUN
easat-2128	244	20	stats	stat	VERB
easat-2128	244	21	636.71	636.71	NUM
easat-2128	244	22	*	*	PUNCT
easat-2128	244	23	*	*	PUNCT
easat-2128	244	24	*	*	PUNCT
easat-2128	244	25	267.94	267.94	NUM
easat-2128	244	26	*	*	PUNCT
easat-2128	244	27	*	*	PUNCT
easat-2128	244	28	*	*	PUNCT
easat-2128	244	29	142.93	142.93	NUM
easat-2128	244	30	*	*	PUNCT
easat-2128	244	31	*	*	PUNCT
easat-2128	244	32	*	*	PUNCT
easat-2128	245	1	124.08	124.08	NUM
easat-2128	245	2	*	*	PUNCT
easat-2128	245	3	*	*	PUNCT
easat-2128	245	4	*	*	PUNCT
easat-2128	245	5	observation	observation	NOUN
easat-2128	245	6	871	871	NUM
easat-2128	245	7	observations	observation	NOUN
easat-2128	245	8	871	871	NUM
easat-2128	245	9	observations	observation	NOUN
easat-2128	245	10	871	871	NUM
easat-2128	245	11	observations	observation	NOUN
easat-2128	245	12	871	871	NUM
easat-2128	245	13	observations	observation	NOUN
easat-2128	245	14	note	note	VERB
easat-2128	245	15	:	:	PUNCT
easat-2128	245	16	*	*	PUNCT
easat-2128	245	17	significant	significant	ADJ
easat-2128	245	18	at	at	ADP
easat-2128	245	19	10	10	NUM
easat-2128	245	20	%	%	NOUN
easat-2128	245	21	*	*	PUNCT
easat-2128	245	22	*	*	NOUN
easat-2128	245	23	significant	significant	ADJ
easat-2128	245	24	at	at	ADP
easat-2128	245	25	5	5	NUM
easat-2128	245	26	%	%	NOUN
easat-2128	245	27	*	*	NOUN
easat-2128	245	28	*	*	PUNCT
easat-2128	245	29	*	*	VERB
easat-2128	245	30	significant	significant	ADJ
easat-2128	245	31	at	at	ADP
easat-2128	245	32	1	1	NUM
easat-2128	245	33	%	%	NOUN
easat-2128	245	34	in	in	ADP
easat-2128	245	35	indonesian	indonesian	ADJ
easat-2128	245	36	commercial	commercial	ADJ
easat-2128	245	37	banks	bank	NOUN
easat-2128	245	38	,	,	PUNCT
easat-2128	245	39	table	table	NOUN
easat-2128	245	40	4	4	NUM
easat-2128	245	41	presents	present	VERB
easat-2128	245	42	an	an	DET
easat-2128	245	43	empirical	empirical	ADJ
easat-2128	245	44	analysis	analysis	NOUN
easat-2128	245	45	of	of	ADP
easat-2128	245	46	the	the	DET
easat-2128	245	47	relationship	relationship	NOUN
easat-2128	245	48	between	between	ADP
easat-2128	245	49	income	income	NOUN
easat-2128	245	50	diversification	diversification	NOUN
easat-2128	245	51	and	and	CCONJ
easat-2128	245	52	bank	bank	NOUN
easat-2128	245	53	liquidity	liquidity	NOUN
easat-2128	245	54	.	.	PUNCT
easat-2128	246	1	test	test	NOUN
easat-2128	246	2	1	1	NUM
easat-2128	246	3	reveals	reveal	VERB
easat-2128	246	4	a	a	DET
easat-2128	246	5	statistically	statistically	ADV
easat-2128	246	6	significant	significant	ADJ
easat-2128	246	7	negative	negative	ADJ
easat-2128	246	8	correlation	correlation	NOUN
easat-2128	246	9	,	,	PUNCT
easat-2128	246	10	indicating	indicate	VERB
easat-2128	246	11	that	that	SCONJ
easat-2128	246	12	increased	increase	VERB
easat-2128	246	13	revenue	revenue	NOUN
easat-2128	246	14	from	from	ADP
easat-2128	246	15	both	both	DET
easat-2128	246	16	interest	interest	NOUN
easat-2128	246	17	and	and	CCONJ
easat-2128	246	18	non	non	ADJ
easat-2128	246	19	-	-	ADJ
easat-2128	246	20	interest	interest	ADJ
easat-2128	246	21	income	income	NOUN
easat-2128	246	22	reduces	reduce	VERB
easat-2128	246	23	bank	bank	NOUN
easat-2128	246	24	liquidity	liquidity	NOUN
easat-2128	246	25	.	.	PUNCT
easat-2128	247	1	566	566	NUM
easat-2128	247	2	edelweiss	edelweiss	PROPN
easat-2128	247	3	applied	apply	VERB
easat-2128	247	4	science	science	NOUN
easat-2128	247	5	and	and	CCONJ
easat-2128	247	6	technology	technology	NOUN
easat-2128	247	7	issn	issn	PROPN
easat-2128	247	8	:	:	PUNCT
easat-2128	247	9	2576	2576	NUM
easat-2128	247	10	-	-	SYM
easat-2128	247	11	8484	8484	NUM
easat-2128	247	12	vol	vol	NOUN
easat-2128	247	13	.	.	PROPN
easat-2128	248	1	8	8	NUM
easat-2128	248	2	,	,	PUNCT
easat-2128	248	3	no	no	INTJ
easat-2128	248	4	.	.	NOUN
easat-2128	249	1	6	6	NUM
easat-2128	249	2	:	:	SYM
easat-2128	249	3	559	559	NUM
easat-2128	249	4	-	-	SYM
easat-2128	249	5	571	571	NUM
easat-2128	249	6	,	,	PUNCT
easat-2128	249	7	2024	2024	NUM
easat-2128	249	8	doi	doi	NOUN
easat-2128	249	9	:	:	PUNCT
easat-2128	249	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	249	11	©	©	PROPN
easat-2128	249	12	2024	2024	NUM
easat-2128	249	13	by	by	ADP
easat-2128	249	14	the	the	DET
easat-2128	249	15	authors	author	NOUN
easat-2128	249	16	;	;	PUNCT
easat-2128	249	17	licensee	licensee	PROPN
easat-2128	249	18	learning	learning	NOUN
easat-2128	249	19	gate	gate	VERB
easat-2128	249	20	this	this	DET
easat-2128	249	21	reduction	reduction	NOUN
easat-2128	249	22	stems	stem	VERB
easat-2128	249	23	from	from	ADP
easat-2128	249	24	liquidity	liquidity	NOUN
easat-2128	249	25	generation	generation	NOUN
easat-2128	249	26	strategies	strategy	NOUN
easat-2128	249	27	aimed	aim	VERB
easat-2128	249	28	at	at	ADP
easat-2128	249	29	enhancing	enhance	VERB
easat-2128	249	30	banks	bank	NOUN
easat-2128	249	31	'	'	PART
easat-2128	249	32	intermediary	intermediary	ADJ
easat-2128	249	33	function	function	NOUN
easat-2128	249	34	by	by	ADP
easat-2128	249	35	acquiring	acquire	VERB
easat-2128	249	36	funds	fund	NOUN
easat-2128	249	37	for	for	ADP
easat-2128	249	38	lending	lending	NOUN
easat-2128	249	39	.	.	PUNCT
easat-2128	250	1	these	these	DET
easat-2128	250	2	findings	finding	NOUN
easat-2128	250	3	are	be	AUX
easat-2128	250	4	consistent	consistent	ADJ
easat-2128	250	5	with	with	ADP
easat-2128	250	6	toh	toh	NOUN
easat-2128	251	1	[	[	X
easat-2128	251	2	41	41	NUM
easat-2128	251	3	]	]	PUNCT
easat-2128	251	4	,	,	PUNCT
easat-2128	251	5	who	who	PRON
easat-2128	251	6	noted	note	VERB
easat-2128	251	7	a	a	DET
easat-2128	251	8	shift	shift	NOUN
easat-2128	251	9	from	from	ADP
easat-2128	251	10	traditional	traditional	ADJ
easat-2128	251	11	savings	saving	NOUN
easat-2128	251	12	and	and	CCONJ
easat-2128	251	13	loan	loan	NOUN
easat-2128	251	14	operations	operation	NOUN
easat-2128	251	15	to	to	ADP
easat-2128	251	16	fee	fee	NOUN
easat-2128	251	17	-	-	PUNCT
easat-2128	251	18	based	base	VERB
easat-2128	251	19	services	service	NOUN
easat-2128	251	20	and	and	CCONJ
easat-2128	251	21	transactional	transactional	ADJ
easat-2128	251	22	ventures	venture	NOUN
easat-2128	251	23	.	.	PUNCT
easat-2128	252	1	income	income	NOUN
easat-2128	252	2	diversification	diversification	NOUN
easat-2128	252	3	strategies	strategy	NOUN
easat-2128	252	4	help	help	VERB
easat-2128	252	5	banks	bank	NOUN
easat-2128	252	6	reduce	reduce	VERB
easat-2128	252	7	reliance	reliance	NOUN
easat-2128	252	8	on	on	ADP
easat-2128	252	9	a	a	DET
easat-2128	252	10	single	single	ADJ
easat-2128	252	11	credit	credit	NOUN
easat-2128	252	12	source	source	NOUN
easat-2128	252	13	.	.	PUNCT
easat-2128	253	1	moreover	moreover	ADV
easat-2128	253	2	,	,	PUNCT
easat-2128	253	3	dang	dang	ADJ
easat-2128	253	4	[	[	X
easat-2128	253	5	89	89	NUM
easat-2128	253	6	]	]	PUNCT
easat-2128	253	7	and	and	CCONJ
easat-2128	253	8	hoang	hoang	PROPN
easat-2128	254	1	[	[	X
easat-2128	254	2	58	58	NUM
easat-2128	254	3	]	]	PUNCT
easat-2128	254	4	demonstrated	demonstrate	VERB
easat-2128	254	5	a	a	DET
easat-2128	254	6	negative	negative	ADJ
easat-2128	254	7	relationship	relationship	NOUN
easat-2128	254	8	between	between	ADP
easat-2128	254	9	income	income	NOUN
easat-2128	254	10	from	from	ADP
easat-2128	254	11	non	non	ADJ
easat-2128	254	12	-	-	ADJ
easat-2128	254	13	traditional	traditional	ADJ
easat-2128	254	14	banking	banking	NOUN
easat-2128	254	15	and	and	CCONJ
easat-2128	254	16	bank	bank	NOUN
easat-2128	254	17	liquidity	liquidity	NOUN
easat-2128	254	18	generation	generation	NOUN
easat-2128	254	19	.	.	PUNCT
easat-2128	255	1	prior	prior	ADJ
easat-2128	255	2	research	research	NOUN
easat-2128	255	3	indicates	indicate	VERB
easat-2128	255	4	that	that	SCONJ
easat-2128	255	5	the	the	DET
easat-2128	255	6	shift	shift	NOUN
easat-2128	255	7	to	to	ADP
easat-2128	255	8	nontraditional	nontraditional	ADJ
easat-2128	255	9	practices	practice	NOUN
easat-2128	255	10	reduces	reduce	VERB
easat-2128	255	11	liquidity	liquidity	NOUN
easat-2128	255	12	.	.	PUNCT
easat-2128	256	1	this	this	DET
easat-2128	256	2	association	association	NOUN
easat-2128	256	3	remains	remain	VERB
easat-2128	256	4	statistically	statistically	ADV
easat-2128	256	5	significant	significant	ADJ
easat-2128	256	6	when	when	SCONJ
easat-2128	256	7	considering	consider	VERB
easat-2128	256	8	company	company	NOUN
easat-2128	256	9	size	size	NOUN
easat-2128	256	10	,	,	PUNCT
easat-2128	256	11	capital	capital	NOUN
easat-2128	256	12	,	,	PUNCT
easat-2128	256	13	financing	financing	NOUN
easat-2128	256	14	risk	risk	NOUN
easat-2128	256	15	,	,	PUNCT
easat-2128	256	16	and	and	CCONJ
easat-2128	256	17	market	market	NOUN
easat-2128	256	18	conditions	condition	NOUN
easat-2128	256	19	,	,	PUNCT
easat-2128	256	20	as	as	SCONJ
easat-2128	256	21	shown	show	VERB
easat-2128	256	22	in	in	ADP
easat-2128	256	23	test	test	NOUN
easat-2128	256	24	3	3	NUM
easat-2128	256	25	.	.	PUNCT
easat-2128	257	1	if	if	SCONJ
easat-2128	257	2	banks	bank	NOUN
easat-2128	257	3	rely	rely	VERB
easat-2128	257	4	solely	solely	ADV
easat-2128	257	5	on	on	ADP
easat-2128	257	6	conventional	conventional	ADJ
easat-2128	257	7	services	service	NOUN
easat-2128	257	8	to	to	PART
easat-2128	257	9	generate	generate	VERB
easat-2128	257	10	income	income	NOUN
easat-2128	257	11	from	from	ADP
easat-2128	257	12	loans	loan	NOUN
easat-2128	257	13	or	or	CCONJ
easat-2128	257	14	financing	financing	NOUN
easat-2128	257	15	,	,	PUNCT
easat-2128	257	16	they	they	PRON
easat-2128	257	17	will	will	AUX
easat-2128	257	18	not	not	PART
easat-2128	257	19	achieve	achieve	VERB
easat-2128	257	20	optimal	optimal	ADJ
easat-2128	257	21	liquidity	liquidity	NOUN
easat-2128	257	22	.	.	PUNCT
easat-2128	258	1	dang	dang	INTJ
easat-2128	259	1	[	[	X
easat-2128	259	2	89	89	NUM
easat-2128	259	3	]	]	PUNCT
easat-2128	259	4	and	and	CCONJ
easat-2128	259	5	hoang	hoang	PROPN
easat-2128	259	6	[	[	X
easat-2128	259	7	58	58	NUM
easat-2128	259	8	]	]	PUNCT
easat-2128	259	9	show	show	VERB
easat-2128	259	10	that	that	SCONJ
easat-2128	259	11	bank	bank	NOUN
easat-2128	259	12	liquidity	liquidity	NOUN
easat-2128	259	13	decreases	decrease	VERB
easat-2128	259	14	with	with	ADP
easat-2128	259	15	higher	high	ADJ
easat-2128	259	16	income	income	NOUN
easat-2128	259	17	from	from	ADP
easat-2128	259	18	non	non	ADJ
easat-2128	259	19	-	-	ADJ
easat-2128	259	20	traditional	traditional	ADJ
easat-2128	259	21	segments	segment	NOUN
easat-2128	259	22	.	.	PUNCT
easat-2128	260	1	recent	recent	ADJ
easat-2128	260	2	research	research	NOUN
easat-2128	260	3	by	by	ADP
easat-2128	260	4	[	[	X
easat-2128	260	5	43	43	NUM
easat-2128	260	6	]	]	PUNCT
easat-2128	260	7	supports	support	VERB
easat-2128	260	8	these	these	DET
easat-2128	260	9	findings	finding	NOUN
easat-2128	260	10	,	,	PUNCT
easat-2128	260	11	indicating	indicate	VERB
easat-2128	260	12	that	that	SCONJ
easat-2128	260	13	liquidity	liquidity	NOUN
easat-2128	260	14	dependent	dependent	ADJ
easat-2128	260	15	on	on	ADP
easat-2128	260	16	intermediation	intermediation	NOUN
easat-2128	260	17	is	be	AUX
easat-2128	260	18	ineffective	ineffective	ADJ
easat-2128	260	19	.	.	PUNCT
easat-2128	261	1	intense	intense	ADJ
easat-2128	261	2	competition	competition	NOUN
easat-2128	261	3	drives	drive	VERB
easat-2128	261	4	banks	bank	NOUN
easat-2128	261	5	to	to	PART
easat-2128	261	6	adapt	adapt	VERB
easat-2128	261	7	and	and	CCONJ
easat-2128	261	8	diversify	diversify	VERB
easat-2128	261	9	their	their	PRON
easat-2128	261	10	income	income	NOUN
easat-2128	261	11	sources	source	NOUN
easat-2128	261	12	.	.	PUNCT
easat-2128	262	1	in	in	ADP
easat-2128	262	2	the	the	DET
easat-2128	262	3	previous	previous	ADJ
easat-2128	262	4	examination	examination	NOUN
easat-2128	262	5	,	,	PUNCT
easat-2128	262	6	the	the	DET
easat-2128	262	7	strong	strong	ADJ
easat-2128	262	8	inverse	inverse	NOUN
easat-2128	262	9	correlation	correlation	NOUN
easat-2128	262	10	between	between	ADP
easat-2128	262	11	income	income	NOUN
easat-2128	262	12	diversification	diversification	NOUN
easat-2128	262	13	and	and	CCONJ
easat-2128	262	14	liquidity	liquidity	NOUN
easat-2128	262	15	persisted	persist	VERB
easat-2128	262	16	.	.	PUNCT
easat-2128	263	1	in	in	ADP
easat-2128	263	2	test	test	NOUN
easat-2128	263	3	2	2	NUM
easat-2128	263	4	,	,	PUNCT
easat-2128	263	5	digitization	digitization	NOUN
easat-2128	263	6	significantly	significantly	ADV
easat-2128	263	7	moderates	moderate	VERB
easat-2128	263	8	the	the	DET
easat-2128	263	9	relationship	relationship	NOUN
easat-2128	263	10	between	between	ADP
easat-2128	263	11	these	these	DET
easat-2128	263	12	opposing	opposing	ADJ
easat-2128	263	13	factors	factor	NOUN
easat-2128	263	14	,	,	PUNCT
easat-2128	263	15	though	though	SCONJ
easat-2128	263	16	it	it	PRON
easat-2128	263	17	slightly	slightly	ADV
easat-2128	263	18	affects	affect	VERB
easat-2128	263	19	the	the	DET
easat-2128	263	20	link	link	NOUN
easat-2128	263	21	between	between	ADP
easat-2128	263	22	digitization	digitization	NOUN
easat-2128	263	23	and	and	CCONJ
easat-2128	263	24	liquidity	liquidity	NOUN
easat-2128	263	25	.	.	PUNCT
easat-2128	264	1	we	we	PRON
easat-2128	264	2	expect	expect	VERB
easat-2128	264	3	digitization	digitization	NOUN
easat-2128	264	4	to	to	PART
easat-2128	264	5	increase	increase	VERB
easat-2128	264	6	fee	fee	NOUN
easat-2128	264	7	-	-	PUNCT
easat-2128	264	8	based	base	VERB
easat-2128	264	9	income	income	NOUN
easat-2128	264	10	while	while	SCONJ
easat-2128	264	11	maintaining	maintain	VERB
easat-2128	264	12	stability	stability	NOUN
easat-2128	264	13	in	in	ADP
easat-2128	264	14	interest	interest	NOUN
easat-2128	264	15	-	-	PUNCT
easat-2128	264	16	based	base	VERB
easat-2128	264	17	income	income	NOUN
easat-2128	264	18	.	.	PUNCT
easat-2128	265	1	these	these	DET
easat-2128	265	2	findings	finding	NOUN
easat-2128	265	3	support	support	NOUN
easat-2128	265	4	hypothesis	hypothesis	NOUN
easat-2128	265	5	1	1	NUM
easat-2128	265	6	,	,	PUNCT
easat-2128	265	7	confirming	confirm	VERB
easat-2128	265	8	the	the	DET
easat-2128	265	9	correlation	correlation	NOUN
easat-2128	265	10	between	between	ADP
easat-2128	265	11	income	income	NOUN
easat-2128	265	12	diversification	diversification	NOUN
easat-2128	265	13	and	and	CCONJ
easat-2128	265	14	liquidity	liquidity	NOUN
easat-2128	265	15	,	,	PUNCT
easat-2128	265	16	and	and	CCONJ
easat-2128	265	17	hypothesis	hypothesis	NOUN
easat-2128	265	18	4	4	NUM
easat-2128	265	19	,	,	PUNCT
easat-2128	265	20	which	which	PRON
easat-2128	265	21	posits	posit	VERB
easat-2128	265	22	digitization	digitization	NOUN
easat-2128	265	23	as	as	ADP
easat-2128	265	24	a	a	DET
easat-2128	265	25	moderating	moderate	VERB
easat-2128	265	26	factor	factor	NOUN
easat-2128	265	27	.	.	PUNCT
easat-2128	266	1	benston	benston	NOUN
easat-2128	266	2	&	&	CCONJ
easat-2128	266	3	smith	smith	PROPN
easat-2128	267	1	[	[	X
easat-2128	267	2	68	68	NUM
easat-2128	267	3	]	]	PUNCT
easat-2128	267	4	highlighted	highlight	VERB
easat-2128	267	5	that	that	SCONJ
easat-2128	267	6	transaction	transaction	NOUN
easat-2128	267	7	cost	cost	NOUN
easat-2128	267	8	analysis	analysis	NOUN
easat-2128	267	9	is	be	AUX
easat-2128	267	10	fundamental	fundamental	ADJ
easat-2128	267	11	to	to	ADP
easat-2128	267	12	financial	financial	ADJ
easat-2128	267	13	intermediation	intermediation	NOUN
easat-2128	267	14	theory	theory	NOUN
easat-2128	267	15	.	.	PUNCT
easat-2128	268	1	technological	technological	ADJ
easat-2128	268	2	evolution	evolution	NOUN
easat-2128	268	3	and	and	CCONJ
easat-2128	268	4	shifting	shift	VERB
easat-2128	268	5	transaction	transaction	NOUN
easat-2128	268	6	costs	cost	NOUN
easat-2128	268	7	have	have	AUX
easat-2128	268	8	significantly	significantly	ADV
easat-2128	268	9	transformed	transform	VERB
easat-2128	268	10	financial	financial	ADJ
easat-2128	268	11	products	product	NOUN
easat-2128	268	12	,	,	PUNCT
easat-2128	268	13	their	their	PRON
easat-2128	268	14	delivery	delivery	NOUN
easat-2128	268	15	,	,	PUNCT
easat-2128	268	16	and	and	CCONJ
easat-2128	268	17	the	the	DET
easat-2128	268	18	entities	entity	NOUN
easat-2128	268	19	involved	involve	VERB
easat-2128	268	20	.	.	PUNCT
easat-2128	269	1	the	the	DET
easat-2128	269	2	findings	finding	NOUN
easat-2128	269	3	of	of	ADP
easat-2128	269	4	forcadell	forcadell	PROPN
easat-2128	269	5	[	[	X
easat-2128	269	6	15	15	NUM
easat-2128	269	7	]	]	PUNCT
easat-2128	269	8	indicate	indicate	VERB
easat-2128	269	9	that	that	SCONJ
easat-2128	269	10	business	business	NOUN
easat-2128	269	11	reputation	reputation	NOUN
easat-2128	269	12	and	and	CCONJ
easat-2128	269	13	digitization	digitization	NOUN
easat-2128	269	14	are	be	AUX
easat-2128	269	15	valuable	valuable	ADJ
easat-2128	269	16	assets	asset	NOUN
easat-2128	269	17	that	that	PRON
easat-2128	269	18	enable	enable	VERB
easat-2128	269	19	banks	bank	NOUN
easat-2128	269	20	to	to	PART
easat-2128	269	21	effectively	effectively	ADV
easat-2128	269	22	attain	attain	VERB
easat-2128	269	23	strategic	strategic	ADJ
easat-2128	269	24	objectives	objective	NOUN
easat-2128	269	25	and	and	CCONJ
easat-2128	269	26	mitigate	mitigate	VERB
easat-2128	269	27	organizational	organizational	ADJ
easat-2128	269	28	constraints	constraint	NOUN
easat-2128	269	29	.	.	PUNCT
easat-2128	270	1	in	in	ADP
easat-2128	270	2	addition	addition	NOUN
easat-2128	270	3	,	,	PUNCT
easat-2128	270	4	they	they	PRON
easat-2128	270	5	highlighted	highlight	VERB
easat-2128	270	6	the	the	DET
easat-2128	270	7	importance	importance	NOUN
easat-2128	270	8	of	of	ADP
easat-2128	270	9	market	market	NOUN
easat-2128	270	10	-	-	PUNCT
easat-2128	270	11	leading	lead	VERB
easat-2128	270	12	organizations	organization	NOUN
easat-2128	270	13	leveraging	leverage	VERB
easat-2128	270	14	their	their	PRON
easat-2128	270	15	strategic	strategic	ADJ
easat-2128	270	16	resources	resource	NOUN
easat-2128	270	17	along	along	ADP
easat-2128	270	18	with	with	ADP
easat-2128	270	19	new	new	ADJ
easat-2128	270	20	resources	resource	NOUN
easat-2128	270	21	,	,	PUNCT
easat-2128	270	22	such	such	ADJ
easat-2128	270	23	as	as	ADP
easat-2128	270	24	digital	digital	ADJ
easat-2128	270	25	capabilities	capability	NOUN
easat-2128	270	26	,	,	PUNCT
easat-2128	270	27	to	to	PART
easat-2128	270	28	effectively	effectively	ADV
easat-2128	270	29	respond	respond	VERB
easat-2128	270	30	and	and	CCONJ
easat-2128	270	31	adapt	adapt	VERB
easat-2128	270	32	to	to	ADP
easat-2128	270	33	the	the	DET
easat-2128	270	34	digitalization	digitalization	NOUN
easat-2128	270	35	process	process	NOUN
easat-2128	270	36	.	.	PUNCT
easat-2128	271	1	4.2	4.2	NUM
easat-2128	271	2	.	.	PUNCT
easat-2128	272	1	asset	asset	NOUN
easat-2128	272	2	diversification	diversification	NOUN
easat-2128	272	3	and	and	CCONJ
easat-2128	272	4	bank	bank	NOUN
easat-2128	272	5	liquidity	liquidity	NOUN
easat-2128	272	6	the	the	DET
easat-2128	272	7	findings	finding	NOUN
easat-2128	272	8	presented	present	VERB
easat-2128	272	9	in	in	ADP
easat-2128	272	10	table	table	NOUN
easat-2128	272	11	4	4	NUM
easat-2128	272	12	demonstrate	demonstrate	VERB
easat-2128	272	13	a	a	DET
easat-2128	272	14	statistically	statistically	ADV
easat-2128	272	15	significant	significant	ADJ
easat-2128	272	16	inverse	inverse	NOUN
easat-2128	272	17	association	association	NOUN
easat-2128	272	18	between	between	ADP
easat-2128	272	19	asset	asset	NOUN
easat-2128	272	20	diversification	diversification	NOUN
easat-2128	272	21	and	and	CCONJ
easat-2128	272	22	bank	bank	NOUN
easat-2128	272	23	liquidity	liquidity	NOUN
easat-2128	272	24	.	.	PUNCT
easat-2128	273	1	the	the	DET
easat-2128	273	2	diversity	diversity	NOUN
easat-2128	273	3	of	of	ADP
easat-2128	273	4	assets	asset	NOUN
easat-2128	273	5	leads	lead	VERB
easat-2128	273	6	to	to	ADP
easat-2128	273	7	a	a	DET
easat-2128	273	8	drop	drop	NOUN
easat-2128	273	9	in	in	ADP
easat-2128	273	10	liquidity	liquidity	NOUN
easat-2128	273	11	when	when	SCONJ
easat-2128	273	12	assets	asset	NOUN
easat-2128	273	13	are	be	AUX
easat-2128	273	14	diversified	diversify	VERB
easat-2128	273	15	among	among	ADP
easat-2128	273	16	cash	cash	NOUN
easat-2128	273	17	,	,	PUNCT
easat-2128	273	18	loans	loan	NOUN
easat-2128	273	19	,	,	PUNCT
easat-2128	273	20	inter	inter	ADJ
easat-2128	273	21	-	-	ADJ
easat-2128	273	22	bank	bank	ADJ
easat-2128	273	23	loans	loan	NOUN
easat-2128	273	24	,	,	PUNCT
easat-2128	273	25	securities	security	NOUN
easat-2128	273	26	,	,	PUNCT
easat-2128	273	27	and	and	CCONJ
easat-2128	273	28	other	other	ADJ
easat-2128	273	29	assets	asset	NOUN
easat-2128	273	30	.	.	PUNCT
easat-2128	274	1	this	this	DET
easat-2128	274	2	diversification	diversification	NOUN
easat-2128	274	3	also	also	ADV
easat-2128	274	4	affects	affect	VERB
easat-2128	274	5	the	the	DET
easat-2128	274	6	indicator	indicator	NOUN
easat-2128	274	7	of	of	ADP
easat-2128	274	8	bank	bank	NOUN
easat-2128	274	9	intermediation	intermediation	NOUN
easat-2128	274	10	,	,	PUNCT
easat-2128	274	11	causing	cause	VERB
easat-2128	274	12	it	it	PRON
easat-2128	274	13	to	to	PART
easat-2128	274	14	drop	drop	VERB
easat-2128	274	15	(	(	PUNCT
easat-2128	274	16	test	test	NOUN
easat-2128	274	17	1	1	NUM
easat-2128	274	18	)	)	PUNCT
easat-2128	274	19	.	.	PUNCT
easat-2128	275	1	the	the	DET
easat-2128	275	2	results	result	NOUN
easat-2128	275	3	of	of	ADP
easat-2128	275	4	test	test	NOUN
easat-2128	275	5	3	3	NUM
easat-2128	275	6	demonstrate	demonstrate	VERB
easat-2128	275	7	the	the	DET
easat-2128	275	8	robustness	robustness	NOUN
easat-2128	275	9	of	of	ADP
easat-2128	275	10	the	the	DET
easat-2128	275	11	findings	finding	NOUN
easat-2128	275	12	when	when	SCONJ
easat-2128	275	13	controlling	control	VERB
easat-2128	275	14	for	for	ADP
easat-2128	275	15	variables	variable	NOUN
easat-2128	275	16	such	such	ADJ
easat-2128	275	17	as	as	ADP
easat-2128	275	18	size	size	NOUN
easat-2128	275	19	,	,	PUNCT
easat-2128	275	20	capital	capital	NOUN
easat-2128	275	21	,	,	PUNCT
easat-2128	275	22	risk	risk	NOUN
easat-2128	275	23	,	,	PUNCT
easat-2128	275	24	and	and	CCONJ
easat-2128	275	25	market	market	NOUN
easat-2128	275	26	.	.	PUNCT
easat-2128	276	1	specifically	specifically	ADV
easat-2128	276	2	,	,	PUNCT
easat-2128	276	3	the	the	DET
easat-2128	276	4	analysis	analysis	NOUN
easat-2128	276	5	reveals	reveal	VERB
easat-2128	276	6	a	a	DET
easat-2128	276	7	substantial	substantial	ADJ
easat-2128	276	8	inverse	inverse	NOUN
easat-2128	276	9	association	association	NOUN
easat-2128	276	10	between	between	ADP
easat-2128	276	11	asset	asset	NOUN
easat-2128	276	12	diversification	diversification	NOUN
easat-2128	276	13	and	and	CCONJ
easat-2128	276	14	bank	bank	NOUN
easat-2128	276	15	liquidity	liquidity	NOUN
easat-2128	276	16	.	.	PUNCT
easat-2128	277	1	the	the	DET
easat-2128	277	2	findings	finding	NOUN
easat-2128	277	3	from	from	ADP
easat-2128	277	4	tests	test	NOUN
easat-2128	277	5	2	2	NUM
easat-2128	277	6	and	and	CCONJ
easat-2128	277	7	4	4	NUM
easat-2128	277	8	prove	prove	VERB
easat-2128	277	9	that	that	SCONJ
easat-2128	277	10	digitization	digitization	NOUN
easat-2128	277	11	is	be	AUX
easat-2128	277	12	not	not	PART
easat-2128	277	13	a	a	DET
easat-2128	277	14	moderating	moderate	VERB
easat-2128	277	15	factor	factor	NOUN
easat-2128	277	16	in	in	ADP
easat-2128	277	17	the	the	DET
easat-2128	277	18	link	link	NOUN
easat-2128	277	19	between	between	ADP
easat-2128	277	20	asset	asset	NOUN
easat-2128	277	21	diversification	diversification	NOUN
easat-2128	277	22	and	and	CCONJ
easat-2128	277	23	liquidity	liquidity	NOUN
easat-2128	277	24	.	.	PUNCT
easat-2128	278	1	commercial	commercial	ADJ
easat-2128	278	2	banks	bank	NOUN
easat-2128	278	3	in	in	ADP
easat-2128	278	4	indonesia	indonesia	PROPN
easat-2128	278	5	as	as	ADP
easat-2128	278	6	a	a	DET
easat-2128	278	7	developing	develop	VERB
easat-2128	278	8	country	country	NOUN
easat-2128	278	9	,	,	PUNCT
easat-2128	278	10	primarily	primarily	ADV
easat-2128	278	11	allocate	allocate	VERB
easat-2128	278	12	a	a	DET
easat-2128	278	13	significant	significant	ADJ
easat-2128	278	14	proportion	proportion	NOUN
easat-2128	278	15	of	of	ADP
easat-2128	278	16	their	their	PRON
easat-2128	278	17	assets	asset	NOUN
easat-2128	278	18	towards	towards	ADP
easat-2128	278	19	loan	loan	NOUN
easat-2128	278	20	portfolios	portfolio	NOUN
easat-2128	278	21	.	.	PUNCT
easat-2128	279	1	to	to	PART
easat-2128	279	2	clarify	clarify	VERB
easat-2128	279	3	,	,	PUNCT
easat-2128	279	4	commercial	commercial	ADJ
easat-2128	279	5	banks	bank	NOUN
easat-2128	279	6	continues	continue	VERB
easat-2128	279	7	to	to	PART
easat-2128	279	8	fulfil	fulfil	VERB
easat-2128	279	9	the	the	DET
easat-2128	279	10	conventional	conventional	ADJ
easat-2128	279	11	function	function	NOUN
easat-2128	279	12	of	of	ADP
easat-2128	279	13	a	a	DET
easat-2128	279	14	bank	bank	NOUN
easat-2128	279	15	intermediary	intermediary	NOUN
easat-2128	279	16	by	by	ADP
easat-2128	279	17	gathering	gather	VERB
easat-2128	279	18	money	money	NOUN
easat-2128	279	19	and	and	CCONJ
easat-2128	279	20	disbursing	disburse	VERB
easat-2128	279	21	them	they	PRON
easat-2128	279	22	through	through	ADP
easat-2128	279	23	loan	loan	NOUN
easat-2128	279	24	provisions	provision	NOUN
easat-2128	279	25	.	.	PUNCT
easat-2128	280	1	according	accord	VERB
easat-2128	280	2	to	to	ADP
easat-2128	280	3	contemporary	contemporary	ADJ
easat-2128	280	4	financial	financial	ADJ
easat-2128	280	5	intermediation	intermediation	NOUN
easat-2128	280	6	theory	theory	NOUN
easat-2128	280	7	,	,	PUNCT
easat-2128	280	8	banks	bank	NOUN
easat-2128	280	9	play	play	VERB
easat-2128	280	10	a	a	DET
easat-2128	280	11	crucial	crucial	ADJ
easat-2128	280	12	role	role	NOUN
easat-2128	280	13	in	in	ADP
easat-2128	280	14	the	the	DET
easat-2128	280	15	economy	economy	NOUN
easat-2128	280	16	by	by	ADP
easat-2128	280	17	generating	generate	VERB
easat-2128	280	18	liquidity	liquidity	NOUN
easat-2128	280	19	,	,	PUNCT
easat-2128	280	20	facilitating	facilitate	VERB
easat-2128	280	21	investment	investment	NOUN
easat-2128	280	22	by	by	ADP
easat-2128	280	23	supplying	supply	VERB
easat-2128	280	24	funds	fund	NOUN
easat-2128	280	25	,	,	PUNCT
easat-2128	280	26	and	and	CCONJ
easat-2128	280	27	delivering	deliver	VERB
easat-2128	280	28	essential	essential	ADJ
easat-2128	280	29	financial	financial	ADJ
easat-2128	280	30	services	service	NOUN
easat-2128	280	31	to	to	ADP
easat-2128	280	32	consumers	consumer	NOUN
easat-2128	280	33	[	[	X
easat-2128	280	34	90	90	NUM
easat-2128	280	35	]	]	PUNCT
easat-2128	280	36	,	,	PUNCT
easat-2128	280	37	[	[	X
easat-2128	280	38	91	91	NUM
easat-2128	280	39	]	]	PUNCT
easat-2128	280	40	.	.	PUNCT
easat-2128	281	1	567	567	NUM
easat-2128	281	2	edelweiss	edelweiss	PROPN
easat-2128	281	3	applied	apply	VERB
easat-2128	281	4	science	science	NOUN
easat-2128	281	5	and	and	CCONJ
easat-2128	281	6	technology	technology	NOUN
easat-2128	281	7	issn	issn	PROPN
easat-2128	281	8	:	:	PUNCT
easat-2128	281	9	2576	2576	NUM
easat-2128	281	10	-	-	SYM
easat-2128	281	11	8484	8484	NUM
easat-2128	281	12	vol	vol	NOUN
easat-2128	281	13	.	.	PROPN
easat-2128	282	1	8	8	NUM
easat-2128	282	2	,	,	PUNCT
easat-2128	282	3	no	no	INTJ
easat-2128	282	4	.	.	NOUN
easat-2128	283	1	6	6	NUM
easat-2128	283	2	:	:	SYM
easat-2128	283	3	559	559	NUM
easat-2128	283	4	-	-	SYM
easat-2128	283	5	571	571	NUM
easat-2128	283	6	,	,	PUNCT
easat-2128	283	7	2024	2024	NUM
easat-2128	283	8	doi	doi	NOUN
easat-2128	283	9	:	:	PUNCT
easat-2128	283	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	283	11	©	©	PROPN
easat-2128	283	12	2024	2024	NUM
easat-2128	283	13	by	by	ADP
easat-2128	283	14	the	the	DET
easat-2128	283	15	authors	author	NOUN
easat-2128	283	16	;	;	PUNCT
easat-2128	283	17	licensee	licensee	PROPN
easat-2128	283	18	learning	learn	VERB
easat-2128	283	19	gate	gate	NOUN
easat-2128	283	20	table	table	NOUN
easat-2128	283	21	5	5	NUM
easat-2128	283	22	.	.	PUNCT
easat-2128	284	1	regression	regression	NOUN
easat-2128	284	2	results	result	NOUN
easat-2128	284	3	:	:	PUNCT
easat-2128	284	4	asset	asset	NOUN
easat-2128	284	5	diversification	diversification	NOUN
easat-2128	284	6	to	to	ADP
easat-2128	284	7	liquidity	liquidity	NOUN
easat-2128	284	8	.	.	PUNCT
easat-2128	285	1	ldr	ldr	PROPN
easat-2128	285	2	(	(	PUNCT
easat-2128	285	3	test	test	NOUN
easat-2128	285	4	1	1	NUM
easat-2128	285	5	)	)	PUNCT
easat-2128	285	6	ldr	ldr	PROPN
easat-2128	285	7	(	(	PUNCT
easat-2128	285	8	test	test	NOUN
easat-2128	285	9	2	2	NUM
easat-2128	285	10	)	)	PUNCT
easat-2128	285	11	ldr	ldr	NOUN
easat-2128	285	12	(	(	PUNCT
easat-2128	285	13	test	test	NOUN
easat-2128	285	14	3	3	NUM
easat-2128	285	15	)	)	PUNCT
easat-2128	285	16	ldr	ldr	PROPN
easat-2128	285	17	(	(	PUNCT
easat-2128	285	18	test	test	NOUN
easat-2128	285	19	4	4	NUM
easat-2128	285	20	)	)	PUNCT
easat-2128	285	21	sig	sig	NOUN
easat-2128	285	22	.	.	PUNCT
easat-2128	286	1	coef	coef	PROPN
easat-2128	286	2	.	.	PUNCT
easat-2128	287	1	sig	sig	PROPN
easat-2128	287	2	.	.	PUNCT
easat-2128	288	1	coef	coef	PROPN
easat-2128	288	2	.	.	PUNCT
easat-2128	289	1	sig	sig	PROPN
easat-2128	289	2	.	.	PUNCT
easat-2128	290	1	coef	coef	PROPN
easat-2128	290	2	.	.	PUNCT
easat-2128	291	1	sig	sig	PROPN
easat-2128	291	2	.	.	PUNCT
easat-2128	292	1	coef	coef	PROPN
easat-2128	292	2	.	.	PUNCT
easat-2128	293	1	divas	diva	NOUN
easat-2128	293	2	0.000	0.000	NUM
easat-2128	294	1	*	*	PUNCT
easat-2128	294	2	*	*	PUNCT
easat-2128	294	3	*	*	PUNCT
easat-2128	295	1	-0.403	-0.403	NOUN
easat-2128	296	1	0.000	0.000	NUM
easat-2128	296	2	*	*	PUNCT
easat-2128	296	3	*	*	PUNCT
easat-2128	296	4	*	*	PUNCT
easat-2128	296	5	-0.382	-0.382	PUNCT
easat-2128	296	6	0.000	0.000	NUM
easat-2128	296	7	*	*	PUNCT
easat-2128	296	8	*	*	PUNCT
easat-2128	296	9	*	*	PUNCT
easat-2128	296	10	-0.431	-0.431	PUNCT
easat-2128	296	11	0.000	0.000	NUM
easat-2128	296	12	*	*	PUNCT
easat-2128	296	13	*	*	PUNCT
easat-2128	296	14	*	*	PUNCT
easat-2128	296	15	-0.411	-0.411	NUM
easat-2128	296	16	digil	digil	NOUN
easat-2128	296	17	0.069	0.069	NUM
easat-2128	296	18	*	*	NOUN
easat-2128	296	19	0.29	0.29	NUM
easat-2128	296	20	0.157	0.157	NUM
easat-2128	296	21	0.218	0.218	NUM
easat-2128	296	22	divas*digil	divas*digil	NOUN
easat-2128	296	23	0.467	0.467	NUM
easat-2128	296	24	-0.118	-0.118	NUM
easat-2128	296	25	0.551	0.551	NUM
easat-2128	296	26	-0.093	-0.093	NOUN
easat-2128	296	27	size	size	NOUN
easat-2128	296	28	0.003	0.003	NUM
easat-2128	296	29	*	*	PUNCT
easat-2128	296	30	*	*	PUNCT
easat-2128	296	31	*	*	NOUN
easat-2128	296	32	0.108	0.108	NUM
easat-2128	296	33	0.014	0.014	NUM
easat-2128	296	34	*	*	PUNCT
easat-2128	296	35	*	*	PROPN
easat-2128	296	36	0.087	0.087	NUM
easat-2128	296	37	capital	capital	NOUN
easat-2128	296	38	0.000	0.000	NUM
easat-2128	296	39	*	*	PUNCT
easat-2128	297	1	*	*	PUNCT
easat-2128	297	2	*	*	NOUN
easat-2128	298	1	0.258	0.258	NUM
easat-2128	298	2	0.000	0.000	NUM
easat-2128	298	3	*	*	PUNCT
easat-2128	299	1	*	*	PUNCT
easat-2128	299	2	*	*	PUNCT
easat-2128	299	3	0.229	0.229	NUM
easat-2128	299	4	risk	risk	NOUN
easat-2128	299	5	0.727	0.727	NUM
easat-2128	299	6	-0.010	-0.010	NUM
easat-2128	299	7	0.653	0.653	NUM
easat-2128	299	8	-0.013	-0.013	PUNCT
easat-2128	299	9	market	market	NOUN
easat-2128	299	10	0.004	0.004	NUM
easat-2128	299	11	*	*	PUNCT
easat-2128	299	12	*	*	PUNCT
easat-2128	299	13	*	*	PUNCT
easat-2128	299	14	-0.103	-0.103	X
easat-2128	299	15	0.003	0.003	NUM
easat-2128	299	16	*	*	PUNCT
easat-2128	299	17	*	*	PUNCT
easat-2128	299	18	*	*	PUNCT
easat-2128	299	19	-0.105	-0.105	NOUN
easat-2128	299	20	r	r	NOUN
easat-2128	299	21	squared	square	VERB
easat-2128	299	22	0.161	0.161	NUM
easat-2128	299	23	0.191	0.191	NUM
easat-2128	299	24	0.234	0.234	NUM
easat-2128	299	25	0.248	0.248	NUM
easat-2128	299	26	f	f	NOUN
easat-2128	299	27	stats	stat	VERB
easat-2128	299	28	168.381	168.381	NUM
easat-2128	299	29	*	*	PUNCT
easat-2128	299	30	*	*	PUNCT
easat-2128	299	31	*	*	PUNCT
easat-2128	300	1	69.472	69.472	NUM
easat-2128	300	2	*	*	PUNCT
easat-2128	300	3	*	*	PUNCT
easat-2128	300	4	*	*	PUNCT
easat-2128	301	1	54.066	54.066	NUM
easat-2128	301	2	*	*	PUNCT
easat-2128	301	3	*	*	PUNCT
easat-2128	301	4	*	*	PUNCT
easat-2128	301	5	41.934	41.934	NUM
easat-2128	301	6	*	*	PUNCT
easat-2128	301	7	*	*	PUNCT
easat-2128	301	8	*	*	PUNCT
easat-2128	301	9	observation	observation	NOUN
easat-2128	301	10	871	871	NUM
easat-2128	301	11	observations	observation	NOUN
easat-2128	301	12	871	871	NUM
easat-2128	301	13	observations	observation	NOUN
easat-2128	301	14	871	871	NUM
easat-2128	301	15	observations	observation	NOUN
easat-2128	301	16	871	871	NUM
easat-2128	301	17	observations	observation	NOUN
easat-2128	301	18	note	note	VERB
easat-2128	301	19	:	:	PUNCT
easat-2128	301	20	*	*	PUNCT
easat-2128	301	21	significant	significant	ADJ
easat-2128	301	22	at	at	ADP
easat-2128	301	23	10	10	NUM
easat-2128	301	24	%	%	NOUN
easat-2128	301	25	*	*	PUNCT
easat-2128	301	26	*	*	NOUN
easat-2128	301	27	significant	significant	ADJ
easat-2128	301	28	at	at	ADP
easat-2128	301	29	5	5	NUM
easat-2128	301	30	%	%	NOUN
easat-2128	301	31	*	*	NOUN
easat-2128	301	32	*	*	PUNCT
easat-2128	301	33	*	*	VERB
easat-2128	301	34	significant	significant	ADJ
easat-2128	301	35	at	at	ADP
easat-2128	301	36	1	1	NUM
easat-2128	301	37	%	%	NOUN
easat-2128	301	38	this	this	DET
easat-2128	301	39	study	study	NOUN
easat-2128	301	40	's	's	PART
easat-2128	301	41	findings	finding	NOUN
easat-2128	301	42	support	support	NOUN
easat-2128	301	43	hypothesis	hypothesis	NOUN
easat-2128	301	44	2	2	NUM
easat-2128	301	45	since	since	SCONJ
easat-2128	301	46	they	they	PRON
easat-2128	301	47	reject	reject	VERB
easat-2128	301	48	the	the	DET
easat-2128	301	49	alternative	alternative	ADJ
easat-2128	301	50	hypothesis	hypothesis	NOUN
easat-2128	301	51	,	,	PUNCT
easat-2128	301	52	which	which	PRON
easat-2128	301	53	posits	posit	VERB
easat-2128	301	54	a	a	DET
easat-2128	301	55	correlation	correlation	NOUN
easat-2128	301	56	between	between	ADP
easat-2128	301	57	asset	asset	NOUN
easat-2128	301	58	diversification	diversification	NOUN
easat-2128	301	59	and	and	CCONJ
easat-2128	301	60	liquidity	liquidity	NOUN
easat-2128	301	61	.	.	PUNCT
easat-2128	302	1	the	the	DET
easat-2128	302	2	results	result	NOUN
easat-2128	302	3	also	also	ADV
easat-2128	302	4	provide	provide	VERB
easat-2128	302	5	evidence	evidence	NOUN
easat-2128	302	6	against	against	ADP
easat-2128	302	7	the	the	DET
easat-2128	302	8	fifth	fifth	ADJ
easat-2128	302	9	hypothesis	hypothesis	NOUN
easat-2128	302	10	,	,	PUNCT
easat-2128	302	11	which	which	PRON
easat-2128	302	12	posits	posit	VERB
easat-2128	302	13	that	that	SCONJ
easat-2128	302	14	digitalization	digitalization	NOUN
easat-2128	302	15	does	do	AUX
easat-2128	302	16	not	not	PART
easat-2128	302	17	alter	alter	VERB
easat-2128	302	18	the	the	DET
easat-2128	302	19	link	link	NOUN
easat-2128	302	20	between	between	ADP
easat-2128	302	21	the	the	DET
easat-2128	302	22	two	two	NUM
easat-2128	302	23	variables	variable	NOUN
easat-2128	302	24	.	.	PUNCT
easat-2128	303	1	the	the	DET
easat-2128	303	2	conditions	condition	NOUN
easat-2128	303	3	in	in	ADP
easat-2128	303	4	the	the	DET
easat-2128	303	5	study	study	NOUN
easat-2128	303	6	conducted	conduct	VERB
easat-2128	303	7	by	by	ADP
easat-2128	303	8	dang	dang	PROPN
easat-2128	303	9	[	[	X
easat-2128	303	10	90	90	NUM
easat-2128	303	11	]	]	PUNCT
easat-2128	303	12	differ	differ	VERB
easat-2128	303	13	from	from	ADP
easat-2128	303	14	those	those	PRON
easat-2128	303	15	described	describe	VERB
easat-2128	303	16	in	in	ADP
easat-2128	303	17	the	the	DET
easat-2128	303	18	user	user	NOUN
easat-2128	303	19	's	's	PART
easat-2128	303	20	text	text	NOUN
easat-2128	303	21	.	.	PUNCT
easat-2128	304	1	specifically	specifically	ADV
easat-2128	304	2	,	,	PUNCT
easat-2128	304	3	banks	bank	NOUN
easat-2128	304	4	with	with	ADP
easat-2128	304	5	higher	high	ADJ
easat-2128	304	6	levels	level	NOUN
easat-2128	304	7	of	of	ADP
easat-2128	304	8	liquid	liquid	ADJ
easat-2128	304	9	assets	asset	NOUN
easat-2128	304	10	are	be	AUX
easat-2128	304	11	observed	observe	VERB
easat-2128	304	12	to	to	PART
easat-2128	304	13	prioritize	prioritize	VERB
easat-2128	304	14	asset	asset	NOUN
easat-2128	304	15	diversification	diversification	NOUN
easat-2128	304	16	as	as	ADP
easat-2128	304	17	a	a	DET
easat-2128	304	18	risk	risk	NOUN
easat-2128	304	19	reduction	reduction	NOUN
easat-2128	304	20	strategy	strategy	NOUN
easat-2128	304	21	rather	rather	ADV
easat-2128	304	22	than	than	ADP
easat-2128	304	23	focusing	focus	VERB
easat-2128	304	24	primarily	primarily	ADV
easat-2128	304	25	on	on	ADP
easat-2128	304	26	loan	loan	NOUN
easat-2128	304	27	services	service	NOUN
easat-2128	304	28	.	.	PUNCT
easat-2128	305	1	furthermore	furthermore	ADV
easat-2128	305	2	,	,	PUNCT
easat-2128	305	3	toh	toh	NOUN
easat-2128	305	4	et	et	NOUN
easat-2128	305	5	al	al	PROPN
easat-2128	306	1	[	[	X
easat-2128	306	2	41	41	NUM
easat-2128	306	3	]	]	PUNCT
easat-2128	306	4	have	have	AUX
easat-2128	306	5	demonstrated	demonstrate	VERB
easat-2128	306	6	that	that	SCONJ
easat-2128	306	7	banks	bank	NOUN
easat-2128	306	8	characterized	characterize	VERB
easat-2128	306	9	by	by	ADP
easat-2128	306	10	extensive	extensive	ADJ
easat-2128	306	11	asset	asset	NOUN
easat-2128	306	12	diversification	diversification	NOUN
easat-2128	306	13	in	in	ADP
easat-2128	306	14	intense	intense	ADJ
easat-2128	306	15	competition	competition	NOUN
easat-2128	306	16	tend	tend	VERB
easat-2128	306	17	to	to	PART
easat-2128	306	18	diminish	diminish	VERB
easat-2128	306	19	their	their	PRON
easat-2128	306	20	liquidity	liquidity	NOUN
easat-2128	306	21	levels	level	NOUN
easat-2128	306	22	due	due	ADP
easat-2128	306	23	to	to	ADP
easat-2128	306	24	their	their	PRON
easat-2128	306	25	lack	lack	NOUN
easat-2128	306	26	of	of	ADP
easat-2128	306	27	exclusive	exclusive	ADJ
easat-2128	306	28	concentration	concentration	NOUN
easat-2128	306	29	on	on	ADP
easat-2128	306	30	lending	lending	NOUN
easat-2128	306	31	activities	activity	NOUN
easat-2128	306	32	.	.	PUNCT
easat-2128	307	1	the	the	DET
easat-2128	307	2	fourth	fourth	ADJ
easat-2128	307	3	hypothesis	hypothesis	NOUN
easat-2128	307	4	can	can	AUX
easat-2128	307	5	be	be	AUX
easat-2128	307	6	supported	support	VERB
easat-2128	307	7	by	by	ADP
easat-2128	307	8	the	the	DET
easat-2128	307	9	explanation	explanation	NOUN
easat-2128	307	10	that	that	PRON
easat-2128	307	11	banks	bank	NOUN
easat-2128	307	12	respond	respond	VERB
easat-2128	307	13	to	to	ADP
easat-2128	307	14	technological	technological	ADJ
easat-2128	307	15	advancements	advancement	NOUN
easat-2128	307	16	by	by	ADP
easat-2128	307	17	innovating	innovate	VERB
easat-2128	307	18	and	and	CCONJ
easat-2128	307	19	introducing	introduce	VERB
easat-2128	307	20	new	new	ADJ
easat-2128	307	21	products	product	NOUN
easat-2128	307	22	and	and	CCONJ
easat-2128	307	23	services	service	NOUN
easat-2128	307	24	.	.	PUNCT
easat-2128	308	1	these	these	DET
easat-2128	308	2	products	product	NOUN
easat-2128	308	3	diminish	diminish	VERB
easat-2128	308	4	the	the	DET
easat-2128	308	5	prominence	prominence	NOUN
easat-2128	308	6	of	of	ADP
easat-2128	308	7	productive	productive	ADJ
easat-2128	308	8	asset	asset	NOUN
easat-2128	308	9	accumulation	accumulation	NOUN
easat-2128	308	10	through	through	ADP
easat-2128	308	11	loans	loan	NOUN
easat-2128	308	12	,	,	PUNCT
easat-2128	308	13	which	which	PRON
easat-2128	308	14	serve	serve	VERB
easat-2128	308	15	as	as	ADP
easat-2128	308	16	a	a	DET
easat-2128	308	17	gauge	gauge	NOUN
easat-2128	308	18	of	of	ADP
easat-2128	308	19	banks	bank	NOUN
easat-2128	308	20	as	as	ADP
easat-2128	308	21	financial	financial	ADJ
easat-2128	308	22	intermediaries	intermediary	NOUN
easat-2128	308	23	.	.	PUNCT
easat-2128	309	1	the	the	DET
easat-2128	309	2	advent	advent	NOUN
easat-2128	309	3	of	of	ADP
easat-2128	309	4	digitization	digitization	NOUN
easat-2128	309	5	creates	create	VERB
easat-2128	309	6	possibilities	possibility	NOUN
easat-2128	309	7	for	for	ADP
easat-2128	309	8	the	the	DET
easat-2128	309	9	emergence	emergence	NOUN
easat-2128	309	10	of	of	ADP
easat-2128	309	11	additional	additional	ADJ
easat-2128	309	12	products	product	NOUN
easat-2128	309	13	that	that	PRON
easat-2128	309	14	leverage	leverage	VERB
easat-2128	309	15	digital	digital	ADJ
easat-2128	309	16	innovation	innovation	NOUN
easat-2128	309	17	.	.	PUNCT
easat-2128	310	1	the	the	DET
easat-2128	310	2	bank	bank	NOUN
easat-2128	310	3	offers	offer	VERB
easat-2128	310	4	a	a	DET
easat-2128	310	5	range	range	NOUN
easat-2128	310	6	of	of	ADP
easat-2128	310	7	products	product	NOUN
easat-2128	310	8	and	and	CCONJ
easat-2128	310	9	services	service	NOUN
easat-2128	310	10	that	that	PRON
easat-2128	310	11	are	be	AUX
easat-2128	310	12	facilitated	facilitate	VERB
easat-2128	310	13	by	by	ADP
easat-2128	310	14	digital	digital	ADJ
easat-2128	310	15	technology	technology	NOUN
easat-2128	310	16	.	.	PUNCT
easat-2128	311	1	therefore	therefore	ADV
easat-2128	311	2	,	,	PUNCT
easat-2128	311	3	demonstrating	demonstrate	VERB
easat-2128	311	4	the	the	DET
easat-2128	311	5	notion	notion	NOUN
easat-2128	311	6	that	that	SCONJ
easat-2128	311	7	the	the	DET
easat-2128	311	8	use	use	NOUN
easat-2128	311	9	of	of	ADP
easat-2128	311	10	digital	digital	ADJ
easat-2128	311	11	technology	technology	NOUN
easat-2128	311	12	will	will	AUX
easat-2128	311	13	mitigate	mitigate	VERB
easat-2128	311	14	the	the	DET
easat-2128	311	15	impact	impact	NOUN
easat-2128	311	16	of	of	ADP
easat-2128	311	17	diversifying	diversify	VERB
easat-2128	311	18	assets	asset	NOUN
easat-2128	311	19	on	on	ADP
easat-2128	311	20	liquidity	liquidity	NOUN
easat-2128	311	21	is	be	AUX
easat-2128	311	22	highly	highly	ADV
easat-2128	311	23	logical	logical	ADJ
easat-2128	311	24	.	.	PUNCT
easat-2128	312	1	the	the	DET
easat-2128	312	2	results	result	NOUN
easat-2128	312	3	of	of	ADP
easat-2128	312	4	this	this	DET
easat-2128	312	5	research	research	NOUN
easat-2128	312	6	are	be	AUX
easat-2128	312	7	in	in	ADP
easat-2128	312	8	line	line	NOUN
easat-2128	312	9	with	with	ADP
easat-2128	312	10	the	the	DET
easat-2128	312	11	findings	finding	NOUN
easat-2128	312	12	[	[	X
easat-2128	312	13	20	20	NUM
easat-2128	312	14	]	]	PUNCT
easat-2128	312	15	that	that	PRON
easat-2128	312	16	to	to	PART
easat-2128	312	17	get	get	VERB
easat-2128	312	18	a	a	DET
easat-2128	312	19	positive	positive	ADJ
easat-2128	312	20	impact	impact	NOUN
easat-2128	312	21	in	in	ADP
easat-2128	312	22	terms	term	NOUN
easat-2128	312	23	of	of	ADP
easat-2128	312	24	increasing	increase	VERB
easat-2128	312	25	revenue	revenue	NOUN
easat-2128	312	26	,	,	PUNCT
easat-2128	312	27	profitability	profitability	NOUN
easat-2128	312	28	and	and	CCONJ
easat-2128	312	29	reducing	reduce	VERB
easat-2128	312	30	credit	credit	NOUN
easat-2128	312	31	risk	risk	NOUN
easat-2128	312	32	,	,	PUNCT
easat-2128	312	33	companies	company	NOUN
easat-2128	312	34	must	must	AUX
easat-2128	312	35	make	make	VERB
easat-2128	312	36	adjustments	adjustment	NOUN
easat-2128	312	37	to	to	ADP
easat-2128	312	38	structural	structural	ADJ
easat-2128	312	39	changes	change	NOUN
easat-2128	312	40	as	as	ADP
easat-2128	312	41	the	the	DET
easat-2128	312	42	key	key	NOUN
easat-2128	312	43	to	to	ADP
easat-2128	312	44	adopting	adopt	VERB
easat-2128	312	45	digital	digital	ADJ
easat-2128	312	46	transformation	transformation	NOUN
easat-2128	312	47	.	.	PUNCT
easat-2128	313	1	asset	asset	NOUN
easat-2128	313	2	diversification	diversification	NOUN
easat-2128	313	3	and	and	CCONJ
easat-2128	313	4	bank	bank	NOUN
easat-2128	313	5	digitalization	digitalization	NOUN
easat-2128	313	6	are	be	AUX
easat-2128	313	7	two	two	NUM
easat-2128	313	8	important	important	ADJ
easat-2128	313	9	strategies	strategy	NOUN
easat-2128	313	10	for	for	SCONJ
easat-2128	313	11	financial	financial	ADJ
easat-2128	313	12	institutions	institution	NOUN
easat-2128	313	13	to	to	PART
easat-2128	313	14	remain	remain	VERB
easat-2128	313	15	competitive	competitive	ADJ
easat-2128	313	16	and	and	CCONJ
easat-2128	313	17	maintain	maintain	VERB
easat-2128	313	18	liquidity	liquidity	NOUN
easat-2128	313	19	in	in	ADP
easat-2128	313	20	the	the	DET
easat-2128	313	21	current	current	ADJ
easat-2128	313	22	financial	financial	ADJ
easat-2128	313	23	landscape	landscape	NOUN
easat-2128	313	24	[	[	X
easat-2128	313	25	92	92	NUM
easat-2128	313	26	]	]	PUNCT
easat-2128	313	27	asset	asset	NOUN
easat-2128	313	28	diversification	diversification	NOUN
easat-2128	313	29	helps	help	VERB
easat-2128	313	30	banks	bank	NOUN
easat-2128	313	31	manage	manage	VERB
easat-2128	313	32	risk	risk	NOUN
easat-2128	313	33	and	and	CCONJ
easat-2128	313	34	protect	protect	VERB
easat-2128	313	35	themselves	themselves	PRON
easat-2128	313	36	from	from	ADP
easat-2128	313	37	potential	potential	ADJ
easat-2128	313	38	losses	loss	NOUN
easat-2128	313	39	by	by	ADP
easat-2128	313	40	spreading	spread	VERB
easat-2128	313	41	their	their	PRON
easat-2128	313	42	investments	investment	NOUN
easat-2128	313	43	across	across	ADP
easat-2128	313	44	different	different	ADJ
easat-2128	313	45	types	type	NOUN
easat-2128	313	46	of	of	ADP
easat-2128	313	47	assets	asset	NOUN
easat-2128	313	48	and	and	CCONJ
easat-2128	313	49	sectors	sector	NOUN
easat-2128	313	50	mirzaei	mirzaei	ADJ
easat-2128	313	51	et	et	PROPN
easat-2128	313	52	al	al	PROPN
easat-2128	314	1	[	[	X
easat-2128	314	2	87	87	NUM
easat-2128	314	3	]	]	PUNCT
easat-2128	314	4	.	.	PUNCT
easat-2128	315	1	5	5	X
easat-2128	315	2	.	.	X
easat-2128	315	3	conclusion	conclusion	VERB
easat-2128	315	4	the	the	DET
easat-2128	315	5	primary	primary	ADJ
easat-2128	315	6	objective	objective	NOUN
easat-2128	315	7	of	of	ADP
easat-2128	315	8	this	this	DET
easat-2128	315	9	study	study	NOUN
easat-2128	315	10	is	be	AUX
easat-2128	315	11	to	to	PART
easat-2128	315	12	analyze	analyze	VERB
easat-2128	315	13	the	the	DET
easat-2128	315	14	impact	impact	NOUN
easat-2128	315	15	of	of	ADP
easat-2128	315	16	bank	bank	NOUN
easat-2128	315	17	income	income	NOUN
easat-2128	315	18	diversification	diversification	NOUN
easat-2128	315	19	,	,	PUNCT
easat-2128	315	20	namely	namely	ADV
easat-2128	315	21	in	in	ADP
easat-2128	315	22	terms	term	NOUN
easat-2128	315	23	of	of	ADP
easat-2128	315	24	interest	interest	NOUN
easat-2128	315	25	and	and	CCONJ
easat-2128	315	26	non	non	ADJ
easat-2128	315	27	-	-	ADJ
easat-2128	315	28	interest	interest	ADJ
easat-2128	315	29	activities	activity	NOUN
easat-2128	315	30	,	,	PUNCT
easat-2128	315	31	as	as	ADV
easat-2128	315	32	well	well	ADV
easat-2128	315	33	as	as	ADP
easat-2128	315	34	asset	asset	NOUN
easat-2128	315	35	and	and	CCONJ
easat-2128	315	36	geographical	geographical	ADJ
easat-2128	315	37	diversity	diversity	NOUN
easat-2128	315	38	,	,	PUNCT
easat-2128	315	39	on	on	ADP
easat-2128	315	40	liquidity	liquidity	NOUN
easat-2128	315	41	.	.	PUNCT
easat-2128	316	1	additionally	additionally	ADV
easat-2128	316	2	,	,	PUNCT
easat-2128	316	3	this	this	DET
easat-2128	316	4	research	research	NOUN
easat-2128	316	5	investigates	investigate	VERB
easat-2128	316	6	the	the	DET
easat-2128	316	7	moderating	moderate	VERB
easat-2128	316	8	role	role	NOUN
easat-2128	316	9	of	of	ADP
easat-2128	316	10	digital	digital	ADJ
easat-2128	316	11	banking	banking	NOUN
easat-2128	316	12	adoption	adoption	NOUN
easat-2128	316	13	in	in	ADP
easat-2128	316	14	this	this	DET
easat-2128	316	15	relationship	relationship	NOUN
easat-2128	316	16	.	.	PUNCT
easat-2128	317	1	this	this	DET
easat-2128	317	2	study	study	NOUN
easat-2128	317	3	is	be	AUX
easat-2128	317	4	unique	unique	ADJ
easat-2128	317	5	in	in	ADP
easat-2128	317	6	its	its	PRON
easat-2128	317	7	exploration	exploration	NOUN
easat-2128	317	8	of	of	ADP
easat-2128	317	9	the	the	DET
easat-2128	317	10	correlation	correlation	NOUN
easat-2128	317	11	between	between	ADP
easat-2128	317	12	digitalization	digitalization	NOUN
easat-2128	317	13	and	and	CCONJ
easat-2128	317	14	the	the	DET
easat-2128	317	15	operational	operational	ADJ
easat-2128	317	16	framework	framework	NOUN
easat-2128	317	17	of	of	ADP
easat-2128	317	18	contemporary	contemporary	ADJ
easat-2128	317	19	banks	bank	NOUN
easat-2128	317	20	,	,	PUNCT
easat-2128	317	21	which	which	PRON
easat-2128	317	22	prioritize	prioritize	VERB
easat-2128	317	23	fee	fee	NOUN
easat-2128	317	24	-	-	PUNCT
easat-2128	317	25	based	base	VERB
easat-2128	317	26	transactions	transaction	NOUN
easat-2128	317	27	as	as	ADP
easat-2128	317	28	a	a	DET
easat-2128	317	29	primary	primary	ADJ
easat-2128	317	30	source	source	NOUN
easat-2128	317	31	of	of	ADP
easat-2128	317	32	income	income	NOUN
easat-2128	317	33	,	,	PUNCT
easat-2128	317	34	as	as	SCONJ
easat-2128	317	35	opposed	oppose	VERB
easat-2128	317	36	to	to	ADP
easat-2128	317	37	conventional	conventional	ADJ
easat-2128	317	38	banks	bank	NOUN
easat-2128	317	39	that	that	PRON
easat-2128	317	40	primarily	primarily	ADV
easat-2128	317	41	generate	generate	VERB
easat-2128	317	42	revenue	revenue	NOUN
easat-2128	317	43	through	through	ADP
easat-2128	317	44	interest	interest	NOUN
easat-2128	317	45	income	income	NOUN
easat-2128	317	46	while	while	SCONJ
easat-2128	317	47	fulfilling	fulfil	VERB
easat-2128	317	48	their	their	PRON
easat-2128	317	49	intermediary	intermediary	ADJ
easat-2128	317	50	position	position	NOUN
easat-2128	317	51	.	.	PUNCT
easat-2128	318	1	the	the	DET
easat-2128	318	2	data	datum	NOUN
easat-2128	318	3	utilized	utilize	VERB
easat-2128	318	4	in	in	ADP
easat-2128	318	5	this	this	DET
easat-2128	318	6	study	study	NOUN
easat-2128	318	7	is	be	AUX
easat-2128	318	8	obtained	obtain	VERB
easat-2128	318	9	from	from	ADP
easat-2128	318	10	stateowned	stateowne	VERB
easat-2128	318	11	banks	bank	NOUN
easat-2128	318	12	,	,	PUNCT
easat-2128	318	13	private	private	ADJ
easat-2128	318	14	banks	bank	NOUN
easat-2128	318	15	,	,	PUNCT
easat-2128	318	16	regional	regional	ADJ
easat-2128	318	17	development	development	NOUN
easat-2128	318	18	banks	bank	NOUN
easat-2128	318	19	and	and	CCONJ
easat-2128	318	20	sharia	sharia	PROPN
easat-2128	318	21	banks	bank	NOUN
easat-2128	318	22	in	in	ADP
easat-2128	318	23	indonesia	indonesia	PROPN
easat-2128	318	24	.	.	PUNCT
easat-2128	319	1	this	this	DET
easat-2128	319	2	study	study	NOUN
easat-2128	319	3	presents	present	VERB
easat-2128	319	4	a	a	DET
easat-2128	319	5	novel	novel	NOUN
easat-2128	319	6	finding	finding	NOUN
easat-2128	319	7	that	that	SCONJ
easat-2128	319	8	bank	bank	NOUN
easat-2128	319	9	digitalization	digitalization	NOUN
easat-2128	319	10	does	do	AUX
easat-2128	319	11	not	not	PART
easat-2128	319	12	modify	modify	VERB
easat-2128	319	13	the	the	DET
easat-2128	319	14	association	association	NOUN
easat-2128	319	15	between	between	ADP
easat-2128	319	16	asset	asset	NOUN
easat-2128	319	17	568	568	NUM
easat-2128	319	18	edelweiss	edelweiss	PROPN
easat-2128	319	19	applied	apply	VERB
easat-2128	319	20	science	science	NOUN
easat-2128	319	21	and	and	CCONJ
easat-2128	319	22	technology	technology	NOUN
easat-2128	319	23	issn	issn	PROPN
easat-2128	319	24	:	:	PUNCT
easat-2128	319	25	2576	2576	NUM
easat-2128	319	26	-	-	SYM
easat-2128	319	27	8484	8484	NUM
easat-2128	319	28	vol	vol	NOUN
easat-2128	319	29	.	.	PROPN
easat-2128	319	30	8	8	NUM
easat-2128	319	31	,	,	PUNCT
easat-2128	319	32	no	no	INTJ
easat-2128	319	33	.	.	NOUN
easat-2128	320	1	6	6	NUM
easat-2128	320	2	:	:	SYM
easat-2128	320	3	559	559	NUM
easat-2128	320	4	-	-	SYM
easat-2128	320	5	571	571	NUM
easat-2128	320	6	,	,	PUNCT
easat-2128	320	7	2024	2024	NUM
easat-2128	320	8	doi	doi	NOUN
easat-2128	320	9	:	:	PUNCT
easat-2128	320	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	320	11	©	©	PROPN
easat-2128	320	12	2024	2024	NUM
easat-2128	320	13	by	by	ADP
easat-2128	320	14	the	the	DET
easat-2128	320	15	authors	author	NOUN
easat-2128	320	16	;	;	PUNCT
easat-2128	321	1	licensee	licensee	PROPN
easat-2128	321	2	learning	learn	VERB
easat-2128	321	3	gate	gate	NOUN
easat-2128	321	4	diversification	diversification	NOUN
easat-2128	321	5	and	and	CCONJ
easat-2128	321	6	liquidity	liquidity	NOUN
easat-2128	321	7	.	.	PUNCT
easat-2128	322	1	on	on	ADP
easat-2128	322	2	the	the	DET
easat-2128	322	3	other	other	ADJ
easat-2128	322	4	hand	hand	NOUN
easat-2128	322	5	,	,	PUNCT
easat-2128	322	6	digitalization	digitalization	NOUN
easat-2128	322	7	moderates	moderate	NOUN
easat-2128	322	8	income	income	NOUN
easat-2128	322	9	diversification	diversification	NOUN
easat-2128	322	10	and	and	CCONJ
easat-2128	322	11	geographical	geographical	ADJ
easat-2128	322	12	diversification	diversification	NOUN
easat-2128	322	13	to	to	ADP
easat-2128	322	14	the	the	DET
easat-2128	322	15	bank	bank	NOUN
easat-2128	322	16	liquity	liquity	NOUN
easat-2128	322	17	.	.	PUNCT
easat-2128	323	1	consistent	consistent	ADJ
easat-2128	323	2	with	with	ADP
easat-2128	323	3	the	the	DET
easat-2128	323	4	intermediation	intermediation	NOUN
easat-2128	323	5	thesis	thesis	NOUN
easat-2128	323	6	,	,	PUNCT
easat-2128	323	7	banks	bank	NOUN
easat-2128	323	8	in	in	ADP
easat-2128	323	9	developing	develop	VERB
easat-2128	323	10	nations	nation	NOUN
easat-2128	323	11	continue	continue	VERB
easat-2128	323	12	to	to	PART
easat-2128	323	13	fulfil	fulfil	VERB
easat-2128	323	14	their	their	PRON
easat-2128	323	15	function	function	NOUN
easat-2128	323	16	as	as	ADP
easat-2128	323	17	intermediaries	intermediary	NOUN
easat-2128	323	18	by	by	ADP
easat-2128	323	19	offering	offer	VERB
easat-2128	323	20	loans	loan	NOUN
easat-2128	323	21	for	for	ADP
easat-2128	323	22	developmental	developmental	ADJ
easat-2128	323	23	investments	investment	NOUN
easat-2128	323	24	.	.	PUNCT
easat-2128	324	1	conversely	conversely	ADV
easat-2128	324	2	,	,	PUNCT
easat-2128	324	3	the	the	DET
easat-2128	324	4	process	process	NOUN
easat-2128	324	5	of	of	ADP
easat-2128	324	6	digitization	digitization	NOUN
easat-2128	324	7	serves	serve	VERB
easat-2128	324	8	to	to	PART
easat-2128	324	9	minimize	minimize	VERB
easat-2128	324	10	income	income	NOUN
easat-2128	324	11	dispersion	dispersion	NOUN
easat-2128	324	12	and	and	CCONJ
easat-2128	324	13	geographical	geographical	ADJ
easat-2128	324	14	factors	factor	NOUN
easat-2128	324	15	,	,	PUNCT
easat-2128	324	16	establishing	establish	VERB
easat-2128	324	17	a	a	DET
easat-2128	324	18	notable	notable	ADJ
easat-2128	324	19	inverse	inverse	NOUN
easat-2128	324	20	correlation	correlation	NOUN
easat-2128	324	21	with	with	ADP
easat-2128	324	22	bank	bank	NOUN
easat-2128	324	23	liquidity	liquidity	NOUN
easat-2128	324	24	.	.	PUNCT
easat-2128	325	1	copyright	copyright	NOUN
easat-2128	325	2	:	:	PUNCT
easat-2128	325	3	©	©	PROPN
easat-2128	325	4	2024	2024	NUM
easat-2128	325	5	by	by	ADP
easat-2128	325	6	the	the	DET
easat-2128	325	7	authors	author	NOUN
easat-2128	325	8	.	.	PUNCT
easat-2128	326	1	this	this	DET
easat-2128	326	2	article	article	NOUN
easat-2128	326	3	is	be	AUX
easat-2128	326	4	an	an	DET
easat-2128	326	5	open	open	ADJ
easat-2128	326	6	access	access	NOUN
easat-2128	326	7	article	article	NOUN
easat-2128	326	8	distributed	distribute	VERB
easat-2128	326	9	under	under	ADP
easat-2128	326	10	the	the	DET
easat-2128	326	11	terms	term	NOUN
easat-2128	326	12	and	and	CCONJ
easat-2128	326	13	conditions	condition	NOUN
easat-2128	326	14	of	of	ADP
easat-2128	326	15	the	the	DET
easat-2128	326	16	creative	creative	ADJ
easat-2128	326	17	commons	common	NOUN
easat-2128	326	18	attribution	attribution	NOUN
easat-2128	326	19	(	(	PUNCT
easat-2128	326	20	cc	cc	NOUN
easat-2128	326	21	by	by	ADP
easat-2128	326	22	)	)	PUNCT
easat-2128	326	23	license	license	NOUN
easat-2128	326	24	(	(	PUNCT
easat-2128	326	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2128	326	26	)	)	PUNCT
easat-2128	326	27	.	.	PUNCT
easat-2128	327	1	references	reference	NOUN
easat-2128	327	2	[	[	X
easat-2128	327	3	1	1	NUM
easat-2128	327	4	]	]	PUNCT
easat-2128	327	5	b.	b.	PROPN
easat-2128	327	6	king	king	PROPN
easat-2128	327	7	,	,	PUNCT
easat-2128	327	8	bank	bank	NOUN
easat-2128	327	9	4.0	4.0	NUM
easat-2128	327	10	:	:	PUNCT
easat-2128	327	11	banking	banking	NOUN
easat-2128	327	12	everywhere	everywhere	ADV
easat-2128	327	13	,	,	PUNCT
easat-2128	327	14	never	never	ADV
easat-2128	327	15	at	at	ADP
easat-2128	327	16	a	a	DET
easat-2128	327	17	bank	bank	NOUN
easat-2128	327	18	,	,	PUNCT
easat-2128	327	19	2nd	2nd	PROPN
easat-2128	327	20	ed	ed	NOUN
easat-2128	327	21	.	.	PUNCT
easat-2128	328	1	west	west	PROPN
easat-2128	328	2	sussex	sussex	PROPN
easat-2128	328	3	:	:	PUNCT
easat-2128	328	4	marshall	marshall	PROPN
easat-2128	328	5	cavendish	cavendish	PROPN
easat-2128	328	6	international	international	PROPN
easat-2128	328	7	,	,	PUNCT
easat-2128	328	8	wiley	wiley	NOUN
easat-2128	328	9	,	,	PUNCT
easat-2128	328	10	2019	2019	NUM
easat-2128	328	11	.	.	PUNCT
easat-2128	329	1	[	[	X
easat-2128	329	2	2	2	X
easat-2128	329	3	]	]	PUNCT
easat-2128	329	4	v.	v.	CCONJ
easat-2128	329	5	chiorazzo	chiorazzo	NOUN
easat-2128	329	6	,	,	PUNCT
easat-2128	329	7	v.	v.	ADP
easat-2128	329	8	d’apice	d’apice	PROPN
easat-2128	329	9	,	,	PUNCT
easat-2128	329	10	r.	r.	PROPN
easat-2128	329	11	deyoung	deyoung	PROPN
easat-2128	329	12	,	,	PUNCT
easat-2128	329	13	and	and	CCONJ
easat-2128	329	14	p.	p.	PROPN
easat-2128	329	15	morelli	morelli	PROPN
easat-2128	329	16	,	,	PUNCT
easat-2128	329	17	“	"	PUNCT
easat-2128	329	18	is	be	AUX
easat-2128	329	19	the	the	DET
easat-2128	329	20	traditional	traditional	ADJ
easat-2128	329	21	banking	banking	NOUN
easat-2128	329	22	model	model	NOUN
easat-2128	329	23	a	a	DET
easat-2128	329	24	survivor	survivor	NOUN
easat-2128	329	25	?	?	PUNCT
easat-2128	329	26	,	,	PUNCT
easat-2128	329	27	”	"	PUNCT
easat-2128	329	28	j.	j.	PROPN
easat-2128	329	29	bank	bank	PROPN
easat-2128	329	30	.	.	PUNCT
easat-2128	330	1	financ	financ	PROPN
easat-2128	330	2	.	.	PUNCT
easat-2128	330	3	,	,	PUNCT
easat-2128	330	4	vol	vol	NOUN
easat-2128	330	5	.	.	PROPN
easat-2128	331	1	97	97	NUM
easat-2128	331	2	,	,	PUNCT
easat-2128	331	3	pp	pp	ADJ
easat-2128	331	4	.	.	PUNCT
easat-2128	332	1	238–256	238–256	NUM
easat-2128	332	2	,	,	PUNCT
easat-2128	332	3	2018	2018	NUM
easat-2128	332	4	,	,	PUNCT
easat-2128	332	5	doi	doi	NOUN
easat-2128	332	6	:	:	PUNCT
easat-2128	332	7	10.1016	10.1016	NUM
easat-2128	332	8	/	/	SYM
easat-2128	332	9	j.jbankfin.2018.10.008	j.jbankfin.2018.10.008	NOUN
easat-2128	332	10	.	.	PUNCT
easat-2128	333	1	[	[	X
easat-2128	333	2	3	3	X
easat-2128	333	3	]	]	X
easat-2128	333	4	j.	j.	PROPN
easat-2128	333	5	g.	g.	PROPN
easat-2128	333	6	stigler	stigler	NOUN
easat-2128	333	7	,	,	PUNCT
easat-2128	333	8	“	"	PUNCT
easat-2128	333	9	the	the	DET
easat-2128	333	10	economies	economy	NOUN
easat-2128	333	11	of	of	ADP
easat-2128	333	12	scales	scale	NOUN
easat-2128	333	13	,	,	PUNCT
easat-2128	333	14	”	"	PUNCT
easat-2128	333	15	j.	j.	PROPN
easat-2128	333	16	law	law	PROPN
easat-2128	333	17	econ	econ	PROPN
easat-2128	333	18	.	.	PUNCT
easat-2128	333	19	,	,	PUNCT
easat-2128	333	20	1958	1958	NUM
easat-2128	333	21	,	,	PUNCT
easat-2128	333	22	doi	doi	NOUN
easat-2128	333	23	:	:	PUNCT
easat-2128	333	24	10.1086/466541	10.1086/466541	NUM
easat-2128	333	25	.	.	PUNCT
easat-2128	334	1	[	[	X
easat-2128	334	2	4	4	NUM
easat-2128	334	3	]	]	PUNCT
easat-2128	334	4	a.	a.	NOUN
easat-2128	334	5	lipton	lipton	PROPN
easat-2128	334	6	,	,	PUNCT
easat-2128	334	7	d.	d.	PROPN
easat-2128	334	8	shrier	shrier	NOUN
easat-2128	334	9	,	,	PUNCT
easat-2128	334	10	and	and	CCONJ
easat-2128	334	11	a.	a.	PROPN
easat-2128	334	12	pentland	pentland	PROPN
easat-2128	334	13	,	,	PUNCT
easat-2128	334	14	“	"	PUNCT
easat-2128	334	15	digital	digital	ADJ
easat-2128	334	16	banking	banking	NOUN
easat-2128	334	17	manifesto	manifesto	NOUN
easat-2128	334	18	:	:	PUNCT
easat-2128	334	19	the	the	DET
easat-2128	334	20	end	end	NOUN
easat-2128	334	21	of	of	ADP
easat-2128	334	22	banks	bank	NOUN
easat-2128	334	23	?	?	PUNCT
easat-2128	334	24	,	,	PUNCT
easat-2128	334	25	”	"	PUNCT
easat-2128	334	26	massachusetts	massachusetts	PROPN
easat-2128	334	27	inst	inst	PROPN
easat-2128	334	28	.	.	PUNCT
easat-2128	335	1	technol	technol	PROPN
easat-2128	335	2	.	.	PROPN
easat-2128	335	3	,	,	PUNCT
easat-2128	336	1	pp	pp	PROPN
easat-2128	336	2	.	.	PUNCT
easat-2128	337	1	1–20	1–20	NUM
easat-2128	337	2	,	,	PUNCT
easat-2128	337	3	2016	2016	NUM
easat-2128	337	4	.	.	PUNCT
easat-2128	338	1	[	[	X
easat-2128	338	2	5	5	NUM
easat-2128	338	3	]	]	PUNCT
easat-2128	338	4	f.	f.	PROPN
easat-2128	338	5	diener	diener	PROPN
easat-2128	338	6	and	and	CCONJ
easat-2128	338	7	m.	m.	NOUN
easat-2128	338	8	špaček	špaček	PROPN
easat-2128	338	9	,	,	PUNCT
easat-2128	338	10	“	"	PUNCT
easat-2128	338	11	digital	digital	ADJ
easat-2128	338	12	transformation	transformation	NOUN
easat-2128	338	13	in	in	ADP
easat-2128	338	14	banking	banking	NOUN
easat-2128	338	15	:	:	PUNCT
easat-2128	338	16	a	a	DET
easat-2128	338	17	managerial	managerial	ADJ
easat-2128	338	18	perspective	perspective	NOUN
easat-2128	338	19	on	on	ADP
easat-2128	338	20	barriers	barrier	NOUN
easat-2128	338	21	to	to	PART
easat-2128	338	22	change	change	VERB
easat-2128	338	23	,	,	PUNCT
easat-2128	338	24	”	"	PUNCT
easat-2128	338	25	sustain	sustain	NOUN
easat-2128	338	26	.	.	PUNCT
easat-2128	338	27	,	,	PUNCT
easat-2128	338	28	vol	vol	NOUN
easat-2128	338	29	.	.	PROPN
easat-2128	339	1	13	13	NUM
easat-2128	339	2	,	,	PUNCT
easat-2128	339	3	no	no	INTJ
easat-2128	339	4	.	.	NOUN
easat-2128	339	5	4	4	NUM
easat-2128	339	6	,	,	PUNCT
easat-2128	339	7	pp	pp	ADJ
easat-2128	339	8	.	.	PUNCT
easat-2128	340	1	1–26	1–26	NOUN
easat-2128	340	2	,	,	PUNCT
easat-2128	340	3	2021	2021	NUM
easat-2128	340	4	,	,	PUNCT
easat-2128	340	5	doi	doi	NOUN
easat-2128	340	6	:	:	PUNCT
easat-2128	340	7	10.3390	10.3390	NUM
easat-2128	340	8	/	/	SYM
easat-2128	340	9	su13042032	su13042032	PROPN
easat-2128	340	10	.	.	PUNCT
easat-2128	341	1	[	[	X
easat-2128	341	2	6	6	NUM
easat-2128	341	3	]	]	PUNCT
easat-2128	341	4	i.	i.	PROPN
easat-2128	341	5	mavlutova	mavlutova	PROPN
easat-2128	341	6	,	,	PUNCT
easat-2128	341	7	t.	t.	PROPN
easat-2128	341	8	volkova	volkova	PROPN
easat-2128	341	9	,	,	PUNCT
easat-2128	341	10	a.	a.	NOUN
easat-2128	341	11	natrins	natrins	PROPN
easat-2128	341	12	,	,	PUNCT
easat-2128	341	13	a.	a.	NOUN
easat-2128	341	14	spilbergs	spilbergs	PROPN
easat-2128	341	15	,	,	PUNCT
easat-2128	341	16	i.	i.	PROPN
easat-2128	341	17	arefjevs	arefjevs	PROPN
easat-2128	341	18	,	,	PUNCT
easat-2128	341	19	and	and	CCONJ
easat-2128	341	20	i.	i.	PROPN
easat-2128	341	21	miahkykh	miahkykh	PROPN
easat-2128	341	22	,	,	PUNCT
easat-2128	341	23	“	"	PUNCT
easat-2128	341	24	financial	financial	ADJ
easat-2128	341	25	sector	sector	NOUN
easat-2128	341	26	transformation	transformation	NOUN
easat-2128	341	27	in	in	ADP
easat-2128	341	28	the	the	DET
easat-2128	341	29	era	era	NOUN
easat-2128	341	30	of	of	ADP
easat-2128	341	31	digitalization	digitalization	NOUN
easat-2128	341	32	,	,	PUNCT
easat-2128	341	33	”	"	PUNCT
easat-2128	341	34	estud	estud	X
easat-2128	341	35	.	.	PUNCT
easat-2128	342	1	econ	econ	PROPN
easat-2128	342	2	.	.	PUNCT
easat-2128	342	3	apl	apl	PROPN
easat-2128	342	4	.	.	PROPN
easat-2128	342	5	,	,	PUNCT
easat-2128	342	6	vol	vol	NOUN
easat-2128	342	7	.	.	PROPN
easat-2128	343	1	38	38	NUM
easat-2128	343	2	,	,	PUNCT
easat-2128	343	3	no	no	INTJ
easat-2128	343	4	.	.	NOUN
easat-2128	343	5	4	4	NUM
easat-2128	343	6	,	,	PUNCT
easat-2128	343	7	pp	pp	ADJ
easat-2128	343	8	.	.	PUNCT
easat-2128	344	1	1–11	1–11	PROPN
easat-2128	344	2	,	,	PUNCT
easat-2128	344	3	2020	2020	NUM
easat-2128	344	4	,	,	PUNCT
easat-2128	344	5	doi	doi	NOUN
easat-2128	344	6	:	:	PUNCT
easat-2128	344	7	10.25115	10.25115	NUM
easat-2128	344	8	/	/	SYM
easat-2128	344	9	eea.v38i4.4055	eea.v38i4.4055	NOUN
easat-2128	344	10	.	.	PUNCT
easat-2128	345	1	[	[	X
easat-2128	345	2	7	7	X
easat-2128	345	3	]	]	PUNCT
easat-2128	345	4	m.	m.	NOUN
easat-2128	345	5	al	al	PROPN
easat-2128	345	6	-	-	PROPN
easat-2128	345	7	okaily	okaily	PROPN
easat-2128	345	8	,	,	PUNCT
easat-2128	345	9	r.	r.	PROPN
easat-2128	345	10	alghazzawi	alghazzawi	PROPN
easat-2128	345	11	,	,	PUNCT
easat-2128	345	12	a.	a.	PROPN
easat-2128	345	13	f.	f.	PROPN
easat-2128	345	14	alkhwaldi	alkhwaldi	PROPN
easat-2128	345	15	,	,	PUNCT
easat-2128	345	16	and	and	CCONJ
easat-2128	345	17	a.	a.	PROPN
easat-2128	345	18	al	al	PROPN
easat-2128	345	19	-	-	PROPN
easat-2128	345	20	okaily	okaily	ADV
easat-2128	345	21	,	,	PUNCT
easat-2128	345	22	“	"	PUNCT
easat-2128	345	23	the	the	DET
easat-2128	345	24	effect	effect	NOUN
easat-2128	345	25	of	of	ADP
easat-2128	345	26	digital	digital	ADJ
easat-2128	345	27	accounting	accounting	NOUN
easat-2128	345	28	systems	system	NOUN
easat-2128	345	29	on	on	ADP
easat-2128	345	30	the	the	DET
easat-2128	345	31	decision	decision	NOUN
easat-2128	345	32	-	-	PUNCT
easat-2128	345	33	making	make	VERB
easat-2128	345	34	quality	quality	NOUN
easat-2128	345	35	in	in	ADP
easat-2128	345	36	the	the	DET
easat-2128	345	37	banking	banking	NOUN
easat-2128	345	38	industry	industry	NOUN
easat-2128	345	39	sector	sector	NOUN
easat-2128	345	40	:	:	PUNCT
easat-2128	345	41	a	a	DET
easat-2128	345	42	mediated	mediate	VERB
easat-2128	345	43	-	-	PUNCT
easat-2128	345	44	moderated	moderated	ADJ
easat-2128	345	45	model	model	NOUN
easat-2128	345	46	,	,	PUNCT
easat-2128	345	47	”	"	PUNCT
easat-2128	345	48	glob	glob	NOUN
easat-2128	345	49	.	.	PUNCT
easat-2128	345	50	knowledge	knowledge	NOUN
easat-2128	345	51	,	,	PUNCT
easat-2128	345	52	mem	mem	X
easat-2128	345	53	.	.	PUNCT
easat-2128	345	54	commun	commun	PROPN
easat-2128	345	55	.	.	PROPN
easat-2128	345	56	,	,	PUNCT
easat-2128	345	57	2022	2022	NUM
easat-2128	345	58	,	,	PUNCT
easat-2128	345	59	doi	doi	NOUN
easat-2128	345	60	:	:	PUNCT
easat-2128	345	61	10.1108	10.1108	NUM
easat-2128	345	62	/	/	SYM
easat-2128	345	63	gkmc-01	gkmc-01	NOUN
easat-2128	345	64	-	-	PUNCT
easat-2128	345	65	2022	2022	NUM
easat-2128	345	66	-	-	PUNCT
easat-2128	345	67	0015	0015	NUM
easat-2128	345	68	.	.	PUNCT
easat-2128	346	1	[	[	X
easat-2128	346	2	8	8	NUM
easat-2128	346	3	]	]	X
easat-2128	346	4	r.	r.	PROPN
easat-2128	346	5	p.	p.	PROPN
easat-2128	346	6	kanungo	kanungo	PROPN
easat-2128	346	7	and	and	CCONJ
easat-2128	346	8	s.	s.	PROPN
easat-2128	346	9	gupta	gupta	PROPN
easat-2128	346	10	,	,	PUNCT
easat-2128	346	11	“	"	PUNCT
easat-2128	346	12	financial	financial	ADJ
easat-2128	346	13	inclusion	inclusion	NOUN
easat-2128	346	14	through	through	ADP
easat-2128	346	15	digitalisation	digitalisation	NOUN
easat-2128	346	16	of	of	ADP
easat-2128	346	17	services	service	NOUN
easat-2128	346	18	for	for	ADP
easat-2128	346	19	well	well	ADV
easat-2128	346	20	-	-	PUNCT
easat-2128	346	21	being	being	NOUN
easat-2128	346	22	,	,	PUNCT
easat-2128	346	23	”	"	PUNCT
easat-2128	346	24	technol	technol	NOUN
easat-2128	346	25	.	.	PUNCT
easat-2128	346	26	forecast	forecast	PROPN
easat-2128	346	27	.	.	PUNCT
easat-2128	347	1	soc	soc	PROPN
easat-2128	347	2	.	.	PUNCT
easat-2128	348	1	change	change	NOUN
easat-2128	348	2	,	,	PUNCT
easat-2128	348	3	vol	vol	NOUN
easat-2128	348	4	.	.	PROPN
easat-2128	348	5	167	167	NUM
easat-2128	348	6	,	,	PUNCT
easat-2128	348	7	no	no	INTJ
easat-2128	348	8	.	.	PUNCT
easat-2128	349	1	july	july	PROPN
easat-2128	349	2	2020	2020	NUM
easat-2128	349	3	,	,	PUNCT
easat-2128	349	4	p.	p.	NOUN
easat-2128	349	5	120721	120721	NUM
easat-2128	349	6	,	,	PUNCT
easat-2128	349	7	2021	2021	NUM
easat-2128	349	8	,	,	PUNCT
easat-2128	349	9	doi	doi	NOUN
easat-2128	349	10	:	:	PUNCT
easat-2128	349	11	10.1016	10.1016	NUM
easat-2128	349	12	/	/	SYM
easat-2128	349	13	j.techfore.2021.120721	j.techfore.2021.120721	PROPN
easat-2128	349	14	.	.	PUNCT
easat-2128	350	1	[	[	X
easat-2128	350	2	9	9	NUM
easat-2128	350	3	]	]	PUNCT
easat-2128	350	4	s.	s.	PROPN
easat-2128	350	5	lee	lee	PROPN
easat-2128	350	6	et	et	PROPN
easat-2128	350	7	al	al	PROPN
easat-2128	350	8	.	.	PROPN
easat-2128	350	9	,	,	PUNCT
easat-2128	350	10	“	"	PUNCT
easat-2128	350	11	red	red	ADJ
easat-2128	350	12	queen	queen	PROPN
easat-2128	350	13	effect	effect	NOUN
easat-2128	350	14	in	in	ADP
easat-2128	350	15	german	german	ADJ
easat-2128	350	16	bank	bank	NOUN
easat-2128	350	17	industry	industry	NOUN
easat-2128	350	18	:	:	PUNCT
easat-2128	350	19	implication	implication	NOUN
easat-2128	350	20	of	of	ADP
easat-2128	350	21	banking	banking	NOUN
easat-2128	350	22	digitalization	digitalization	NOUN
easat-2128	350	23	for	for	ADP
easat-2128	350	24	open	open	ADJ
easat-2128	350	25	innovation	innovation	NOUN
easat-2128	350	26	dynamics	dynamic	NOUN
easat-2128	350	27	,	,	PUNCT
easat-2128	350	28	”	"	PUNCT
easat-2128	350	29	j.	j.	PROPN
easat-2128	350	30	open	open	ADJ
easat-2128	350	31	innov	innov	PROPN
easat-2128	350	32	.	.	PUNCT
easat-2128	351	1	technol	technol	PROPN
easat-2128	351	2	.	.	PROPN
easat-2128	351	3	mark	mark	PROPN
easat-2128	351	4	.	.	PUNCT
easat-2128	352	1	complex	complex	PROPN
easat-2128	352	2	.	.	PUNCT
easat-2128	352	3	,	,	PUNCT
easat-2128	352	4	vol	vol	NOUN
easat-2128	352	5	.	.	PROPN
easat-2128	353	1	7	7	NUM
easat-2128	353	2	,	,	PUNCT
easat-2128	353	3	no	no	INTJ
easat-2128	353	4	.	.	NOUN
easat-2128	353	5	1	1	NUM
easat-2128	353	6	,	,	PUNCT
easat-2128	353	7	2021	2021	NUM
easat-2128	353	8	,	,	PUNCT
easat-2128	353	9	doi	doi	NOUN
easat-2128	353	10	:	:	PUNCT
easat-2128	353	11	10.3390	10.3390	NUM
easat-2128	353	12	/	/	SYM
easat-2128	353	13	joitmc7010090	joitmc7010090	PROPN
easat-2128	353	14	.	.	PUNCT
easat-2128	354	1	[	[	X
easat-2128	354	2	10	10	NUM
easat-2128	354	3	]	]	X
easat-2128	354	4	e.	e.	PROPN
easat-2128	354	5	paulet	paulet	PROPN
easat-2128	354	6	and	and	CCONJ
easat-2128	354	7	h.	h.	PROPN
easat-2128	354	8	mavoori	mavoori	PROPN
easat-2128	354	9	,	,	PUNCT
easat-2128	354	10	“	"	PUNCT
easat-2128	354	11	conventional	conventional	ADJ
easat-2128	354	12	banks	bank	NOUN
easat-2128	354	13	and	and	CCONJ
easat-2128	354	14	fintechs	fintech	NOUN
easat-2128	354	15	:	:	PUNCT
easat-2128	354	16	how	how	SCONJ
easat-2128	354	17	digitization	digitization	NOUN
easat-2128	354	18	has	have	AUX
easat-2128	354	19	transformed	transform	VERB
easat-2128	354	20	both	both	DET
easat-2128	354	21	models	model	NOUN
easat-2128	354	22	,	,	PUNCT
easat-2128	354	23	”	"	PUNCT
easat-2128	354	24	j.	j.	PROPN
easat-2128	354	25	bus	bus	PROPN
easat-2128	354	26	.	.	PUNCT
easat-2128	355	1	strategy	strategy	NOUN
easat-2128	355	2	,	,	PUNCT
easat-2128	355	3	vol	vol	NOUN
easat-2128	355	4	.	.	PROPN
easat-2128	355	5	41	41	NUM
easat-2128	355	6	,	,	PUNCT
easat-2128	355	7	no	no	INTJ
easat-2128	355	8	.	.	NOUN
easat-2128	355	9	6	6	NUM
easat-2128	355	10	,	,	PUNCT
easat-2128	355	11	pp	pp	ADJ
easat-2128	355	12	.	.	PUNCT
easat-2128	356	1	19–29	19–29	NUM
easat-2128	356	2	,	,	PUNCT
easat-2128	356	3	2020	2020	NUM
easat-2128	356	4	,	,	PUNCT
easat-2128	356	5	doi	doi	NOUN
easat-2128	356	6	:	:	PUNCT
easat-2128	356	7	10.1108	10.1108	NUM
easat-2128	356	8	/	/	SYM
easat-2128	356	9	jbs-06	jbs-06	NOUN
easat-2128	356	10	-	-	PUNCT
easat-2128	356	11	2019	2019	NUM
easat-2128	356	12	-	-	PUNCT
easat-2128	356	13	0131	0131	NUM
easat-2128	356	14	.	.	PUNCT
easat-2128	357	1	[	[	X
easat-2128	357	2	11	11	NUM
easat-2128	357	3	]	]	X
easat-2128	357	4	n.	n.	NOUN
easat-2128	357	5	stefanovic	stefanovic	PROPN
easat-2128	357	6	,	,	PUNCT
easat-2128	357	7	l.	l.	PROPN
easat-2128	357	8	barjaktarovic	barjaktarovic	PROPN
easat-2128	357	9	,	,	PUNCT
easat-2128	357	10	and	and	CCONJ
easat-2128	357	11	a.	a.	NOUN
easat-2128	357	12	bataev	bataev	PROPN
easat-2128	357	13	,	,	PUNCT
easat-2128	357	14	“	"	PUNCT
easat-2128	357	15	digitainability	digitainability	NOUN
easat-2128	357	16	and	and	CCONJ
easat-2128	357	17	financial	financial	ADJ
easat-2128	357	18	performance	performance	NOUN
easat-2128	357	19	:	:	PUNCT
easat-2128	357	20	evidence	evidence	NOUN
easat-2128	357	21	from	from	ADP
easat-2128	357	22	the	the	DET
easat-2128	357	23	serbian	serbian	ADJ
easat-2128	357	24	banking	banking	NOUN
easat-2128	357	25	sector	sector	NOUN
easat-2128	357	26	,	,	PUNCT
easat-2128	357	27	”	"	PUNCT
easat-2128	357	28	sustain	sustain	NOUN
easat-2128	357	29	.	.	PUNCT
easat-2128	357	30	,	,	PUNCT
easat-2128	357	31	vol	vol	NOUN
easat-2128	357	32	.	.	PROPN
easat-2128	358	1	13	13	NUM
easat-2128	358	2	,	,	PUNCT
easat-2128	358	3	no	no	INTJ
easat-2128	358	4	.	.	NOUN
easat-2128	358	5	23	23	NUM
easat-2128	358	6	,	,	PUNCT
easat-2128	358	7	2021	2021	NUM
easat-2128	358	8	,	,	PUNCT
easat-2128	358	9	doi	doi	NOUN
easat-2128	358	10	:	:	PUNCT
easat-2128	358	11	10.3390	10.3390	NUM
easat-2128	358	12	/	/	SYM
easat-2128	358	13	su132313461	su132313461	NOUN
easat-2128	358	14	.	.	PUNCT
easat-2128	359	1	[	[	X
easat-2128	359	2	12	12	NUM
easat-2128	359	3	]	]	PUNCT
easat-2128	359	4	s.	s.	PROPN
easat-2128	359	5	c.	c.	PROPN
easat-2128	359	6	valverde	valverde	PROPN
easat-2128	359	7	,	,	PUNCT
easat-2128	359	8	p.	p.	PROPN
easat-2128	359	9	j.	j.	PROPN
easat-2128	359	10	c.	c.	PROPN
easat-2128	359	11	solas	solas	PROPN
easat-2128	359	12	,	,	PUNCT
easat-2128	359	13	and	and	CCONJ
easat-2128	359	14	f.	f.	PROPN
easat-2128	359	15	r.	r.	PROPN
easat-2128	359	16	fernandez	fernandez	PROPN
easat-2128	359	17	,	,	PUNCT
easat-2128	359	18	“	"	PUNCT
easat-2128	359	19	the	the	DET
easat-2128	359	20	effect	effect	NOUN
easat-2128	359	21	of	of	ADP
easat-2128	359	22	banks	bank	NOUN
easat-2128	359	23	’	'	PUNCT
easat-2128	359	24	it	it	PRON
easat-2128	359	25	investments	investment	VERB
easat-2128	359	26	on	on	ADP
easat-2128	359	27	the	the	DET
easat-2128	359	28	digitalization	digitalization	NOUN
easat-2128	359	29	of	of	ADP
easat-2128	359	30	their	their	PRON
easat-2128	359	31	customers	customer	NOUN
easat-2128	359	32	,	,	PUNCT
easat-2128	359	33	”	"	PUNCT
easat-2128	359	34	glob	glob	NOUN
easat-2128	359	35	.	.	PUNCT
easat-2128	359	36	policy	policy	NOUN
easat-2128	359	37	,	,	PUNCT
easat-2128	359	38	vol	vol	NOUN
easat-2128	359	39	.	.	PROPN
easat-2128	360	1	11	11	NUM
easat-2128	360	2	,	,	PUNCT
easat-2128	360	3	no	no	INTJ
easat-2128	360	4	.	.	PUNCT
easat-2128	361	1	s1	s1	NOUN
easat-2128	361	2	,	,	PUNCT
easat-2128	361	3	pp	pp	ADJ
easat-2128	361	4	.	.	PUNCT
easat-2128	362	1	9–17	9–17	NOUN
easat-2128	362	2	,	,	PUNCT
easat-2128	362	3	2020	2020	NUM
easat-2128	362	4	,	,	PUNCT
easat-2128	362	5	doi	doi	NOUN
easat-2128	362	6	:	:	PUNCT
easat-2128	362	7	10.1111/1758	10.1111/1758	NUM
easat-2128	362	8	-	-	PUNCT
easat-2128	362	9	5899.12749	5899.12749	NOUN
easat-2128	362	10	.	.	PUNCT
easat-2128	363	1	[	[	X
easat-2128	363	2	13	13	NUM
easat-2128	363	3	]	]	X
easat-2128	363	4	n.	n.	NOUN
easat-2128	363	5	peña	peña	PROPN
easat-2128	363	6	-	-	PUNCT
easat-2128	363	7	garcía	garcía	ADJ
easat-2128	363	8	,	,	PUNCT
easat-2128	363	9	m.	m.	NOUN
easat-2128	363	10	losada	losada	PROPN
easat-2128	363	11	-	-	PUNCT
easat-2128	363	12	otálora	otálora	PROPN
easat-2128	363	13	,	,	PUNCT
easat-2128	363	14	j.	j.	PROPN
easat-2128	363	15	juliao	juliao	PROPN
easat-2128	363	16	-	-	PUNCT
easat-2128	363	17	rossi	rossi	ADJ
easat-2128	363	18	,	,	PUNCT
easat-2128	363	19	and	and	CCONJ
easat-2128	363	20	a.	a.	NOUN
easat-2128	363	21	rodríguez	rodríguez	PROPN
easat-2128	363	22	-	-	PUNCT
easat-2128	363	23	orejuela	orejuela	PROPN
easat-2128	363	24	,	,	PUNCT
easat-2128	363	25	“	"	PUNCT
easat-2128	363	26	co	co	NOUN
easat-2128	363	27	-	-	NOUN
easat-2128	363	28	creation	creation	NOUN
easat-2128	363	29	of	of	ADP
easat-2128	363	30	value	value	NOUN
easat-2128	363	31	and	and	CCONJ
easat-2128	363	32	customer	customer	NOUN
easat-2128	363	33	experience	experience	NOUN
easat-2128	363	34	:	:	PUNCT
easat-2128	363	35	an	an	DET
easat-2128	363	36	application	application	NOUN
easat-2128	363	37	in	in	ADP
easat-2128	363	38	online	online	ADJ
easat-2128	363	39	banking	banking	NOUN
easat-2128	363	40	,	,	PUNCT
easat-2128	363	41	”	"	PUNCT
easat-2128	363	42	sustain	sustain	NOUN
easat-2128	363	43	.	.	PUNCT
easat-2128	363	44	,	,	PUNCT
easat-2128	363	45	vol	vol	NOUN
easat-2128	363	46	.	.	PROPN
easat-2128	363	47	13	13	NUM
easat-2128	363	48	,	,	PUNCT
easat-2128	363	49	no	no	INTJ
easat-2128	363	50	.	.	NOUN
easat-2128	363	51	18	18	NUM
easat-2128	363	52	,	,	PUNCT
easat-2128	363	53	2021	2021	NUM
easat-2128	363	54	,	,	PUNCT
easat-2128	363	55	doi	doi	NOUN
easat-2128	363	56	:	:	PUNCT
easat-2128	363	57	10.3390	10.3390	NUM
easat-2128	363	58	/	/	SYM
easat-2128	363	59	su131810486	su131810486	ADJ
easat-2128	363	60	.	.	PUNCT
easat-2128	364	1	[	[	X
easat-2128	364	2	14	14	NUM
easat-2128	364	3	]	]	X
easat-2128	364	4	x.	x.	NOUN
easat-2128	364	5	vives	vive	NOUN
easat-2128	364	6	,	,	PUNCT
easat-2128	364	7	“	"	PUNCT
easat-2128	364	8	digital	digital	ADJ
easat-2128	364	9	disruption	disruption	NOUN
easat-2128	364	10	in	in	ADP
easat-2128	364	11	banking	banking	NOUN
easat-2128	364	12	and	and	CCONJ
easat-2128	364	13	its	its	PRON
easat-2128	364	14	impact	impact	NOUN
easat-2128	364	15	on	on	ADP
easat-2128	364	16	competition	competition	NOUN
easat-2128	364	17	,	,	PUNCT
easat-2128	364	18	”	"	PUNCT
easat-2128	364	19	oecd	oecd	PROPN
easat-2128	364	20	.	.	PUNCT
easat-2128	364	21	www.oecd.org/competition	www.oecd.org/competition	PROPN
easat-2128	364	22	,	,	PUNCT
easat-2128	364	23	pp	pp	X
easat-2128	364	24	.	.	PUNCT
easat-2128	365	1	1	1	NUM
easat-2128	365	2	–	–	PUNCT
easat-2128	365	3	50	50	NUM
easat-2128	365	4	,	,	PUNCT
easat-2128	365	5	2020	2020	NUM
easat-2128	365	6	.	.	PUNCT
easat-2128	366	1	[	[	X
easat-2128	366	2	online	online	X
easat-2128	366	3	]	]	X
easat-2128	366	4	.	.	PUNCT
easat-2128	367	1	available	available	ADJ
easat-2128	367	2	:	:	PUNCT
easat-2128	367	3	http://www.oecd.org/daf/competition/digital-disruption-in-financial-markets.htm	http://www.oecd.org/daf/competition/digital-disruption-in-financial-markets.htm	X
easat-2128	368	1	[	[	X
easat-2128	368	2	15	15	NUM
easat-2128	368	3	]	]	X
easat-2128	368	4	f.	f.	PROPN
easat-2128	368	5	j.	j.	PROPN
easat-2128	368	6	forcadell	forcadell	PROPN
easat-2128	368	7	,	,	PUNCT
easat-2128	368	8	e.	e.	PROPN
easat-2128	368	9	aracil	aracil	PROPN
easat-2128	368	10	,	,	PUNCT
easat-2128	368	11	and	and	CCONJ
easat-2128	368	12	f.	f.	PROPN
easat-2128	368	13	ubeda	ubeda	PROPN
easat-2128	368	14	,	,	PUNCT
easat-2128	368	15	“	"	PUNCT
easat-2128	368	16	using	use	VERB
easat-2128	368	17	reputation	reputation	NOUN
easat-2128	368	18	for	for	ADP
easat-2128	368	19	corporate	corporate	ADJ
easat-2128	368	20	sustainability	sustainability	NOUN
easat-2128	368	21	to	to	PART
easat-2128	368	22	tackle	tackle	VERB
easat-2128	368	23	banks	bank	NOUN
easat-2128	368	24	digitalization	digitalization	NOUN
easat-2128	368	25	challenges	challenge	NOUN
easat-2128	368	26	,	,	PUNCT
easat-2128	368	27	”	"	PUNCT
easat-2128	368	28	bus	bus	NOUN
easat-2128	368	29	.	.	PUNCT
easat-2128	368	30	strateg	strateg	PROPN
easat-2128	368	31	.	.	PUNCT
easat-2128	369	1	environ	environ	PROPN
easat-2128	369	2	.	.	PROPN
easat-2128	369	3	,	,	PUNCT
easat-2128	369	4	vol	vol	NOUN
easat-2128	369	5	.	.	PROPN
easat-2128	369	6	29	29	NUM
easat-2128	369	7	,	,	PUNCT
easat-2128	369	8	no	no	INTJ
easat-2128	369	9	.	.	NOUN
easat-2128	369	10	6	6	NUM
easat-2128	369	11	,	,	PUNCT
easat-2128	369	12	pp	pp	ADJ
easat-2128	369	13	.	.	PUNCT
easat-2128	370	1	2181–2193	2181–2193	NUM
easat-2128	370	2	,	,	PUNCT
easat-2128	370	3	2020	2020	NUM
easat-2128	370	4	,	,	PUNCT
easat-2128	370	5	doi	doi	NOUN
easat-2128	370	6	:	:	PUNCT
easat-2128	370	7	10.1002	10.1002	NUM
easat-2128	370	8	/	/	SYM
easat-2128	370	9	bse.2494	bse.2494	NOUN
easat-2128	370	10	.	.	PUNCT
easat-2128	371	1	[	[	X
easat-2128	371	2	16	16	NUM
easat-2128	371	3	]	]	X
easat-2128	371	4	c.	c.	PROPN
easat-2128	371	5	roulet	roulet	PROPN
easat-2128	371	6	,	,	PUNCT
easat-2128	371	7	“	"	PUNCT
easat-2128	371	8	basel	basel	PROPN
easat-2128	371	9	iii	iii	PROPN
easat-2128	371	10	:	:	PUNCT
easat-2128	371	11	effects	effect	NOUN
easat-2128	371	12	of	of	ADP
easat-2128	371	13	capital	capital	NOUN
easat-2128	371	14	and	and	CCONJ
easat-2128	371	15	liquidity	liquidity	NOUN
easat-2128	371	16	regulations	regulation	NOUN
easat-2128	371	17	on	on	ADP
easat-2128	371	18	european	european	PROPN
easat-2128	371	19	bank	bank	PROPN
easat-2128	371	20	lending	lending	NOUN
easat-2128	371	21	,	,	PUNCT
easat-2128	371	22	”	"	PUNCT
easat-2128	371	23	j.	j.	PROPN
easat-2128	371	24	econ	econ	PROPN
easat-2128	371	25	.	.	PUNCT
easat-2128	372	1	bus	bus	PROPN
easat-2128	372	2	.	.	PUNCT
easat-2128	372	3	,	,	PUNCT
easat-2128	372	4	vol	vol	NOUN
easat-2128	372	5	.	.	PROPN
easat-2128	372	6	95	95	NUM
easat-2128	372	7	,	,	PUNCT
easat-2128	372	8	pp	pp	ADJ
easat-2128	372	9	.	.	PUNCT
easat-2128	373	1	26–46	26–46	NUM
easat-2128	373	2	,	,	PUNCT
easat-2128	373	3	2018	2018	NUM
easat-2128	373	4	,	,	PUNCT
easat-2128	373	5	doi	doi	NOUN
easat-2128	373	6	:	:	PUNCT
easat-2128	373	7	10.1016	10.1016	NUM
easat-2128	373	8	/	/	SYM
easat-2128	373	9	j.jeconbus.2017.10.001	j.jeconbus.2017.10.001	PROPN
easat-2128	373	10	.	.	PUNCT
easat-2128	374	1	[	[	X
easat-2128	374	2	17	17	NUM
easat-2128	374	3	]	]	PUNCT
easat-2128	374	4	z.	z.	PROPN
easat-2128	374	5	chen	chen	PROPN
easat-2128	374	6	,	,	PUNCT
easat-2128	374	7	y.	y.	PROPN
easat-2128	374	8	li	li	PROPN
easat-2128	374	9	,	,	PUNCT
easat-2128	374	10	y.	y.	PROPN
easat-2128	374	11	wu	wu	PROPN
easat-2128	374	12	,	,	PUNCT
easat-2128	374	13	and	and	CCONJ
easat-2128	374	14	j.	j.	PROPN
easat-2128	374	15	luo	luo	PROPN
easat-2128	374	16	,	,	PUNCT
easat-2128	374	17	“	"	PUNCT
easat-2128	374	18	the	the	DET
easat-2128	374	19	transition	transition	NOUN
easat-2128	374	20	from	from	ADP
easat-2128	374	21	traditional	traditional	ADJ
easat-2128	374	22	banking	banking	NOUN
easat-2128	374	23	to	to	ADP
easat-2128	374	24	mobile	mobile	ADJ
easat-2128	374	25	internet	internet	NOUN
easat-2128	374	26	finance	finance	NOUN
easat-2128	374	27	:	:	PUNCT
easat-2128	374	28	an	an	DET
easat-2128	374	29	organizational	organizational	ADJ
easat-2128	374	30	innovation	innovation	NOUN
easat-2128	374	31	perspective	perspective	NOUN
easat-2128	374	32	a	a	DET
easat-2128	374	33	comparative	comparative	ADJ
easat-2128	374	34	study	study	NOUN
easat-2128	374	35	of	of	ADP
easat-2128	374	36	citibank	citibank	PROPN
easat-2128	374	37	and	and	CCONJ
easat-2128	374	38	icbc	icbc	PROPN
easat-2128	374	39	,	,	PUNCT
easat-2128	374	40	”	"	PUNCT
easat-2128	374	41	financ	financ	PROPN
easat-2128	374	42	.	.	PUNCT
easat-2128	375	1	innov	innov	PROPN
easat-2128	375	2	.	.	PROPN
easat-2128	375	3	,	,	PUNCT
easat-2128	375	4	vol	vol	NOUN
easat-2128	375	5	.	.	PROPN
easat-2128	376	1	3	3	NUM
easat-2128	376	2	,	,	PUNCT
easat-2128	376	3	no	no	INTJ
easat-2128	376	4	.	.	NOUN
easat-2128	376	5	1	1	NUM
easat-2128	376	6	,	,	PUNCT
easat-2128	376	7	2017	2017	NUM
easat-2128	376	8	,	,	PUNCT
easat-2128	376	9	doi	doi	NOUN
easat-2128	376	10	:	:	PUNCT
easat-2128	376	11	10.1186	10.1186	NUM
easat-2128	376	12	/	/	SYM
easat-2128	376	13	s40854	s40854	PROPN
easat-2128	376	14	-	-	PUNCT
easat-2128	376	15	017	017	NUM
easat-2128	376	16	-	-	PUNCT
easat-2128	376	17	0062	0062	NUM
easat-2128	376	18	-	-	PUNCT
easat-2128	376	19	0	0	NUM
easat-2128	376	20	.	.	PUNCT
easat-2128	377	1	[	[	X
easat-2128	377	2	18	18	NUM
easat-2128	377	3	]	]	X
easat-2128	377	4	c.	c.	PROPN
easat-2128	377	5	p.	p.	PROPN
easat-2128	377	6	k.	k.	PROPN
easat-2128	378	1	coffie	coffie	PROPN
easat-2128	378	2	,	,	PUNCT
easat-2128	378	3	h.	h.	PROPN
easat-2128	378	4	zhao	zhao	PROPN
easat-2128	378	5	,	,	PUNCT
easat-2128	378	6	and	and	CCONJ
easat-2128	378	7	i.	i.	PROPN
easat-2128	378	8	a.	a.	PROPN
easat-2128	378	9	mensah	mensah	PROPN
easat-2128	378	10	,	,	PUNCT
easat-2128	378	11	“	"	PUNCT
easat-2128	378	12	panel	panel	NOUN
easat-2128	378	13	econometric	econometric	VERB
easat-2128	378	14	analysis	analysis	NOUN
easat-2128	378	15	on	on	ADP
easat-2128	378	16	mobile	mobile	ADJ
easat-2128	378	17	payment	payment	NOUN
easat-2128	378	18	transactions	transaction	NOUN
easat-2128	378	19	and	and	CCONJ
easat-2128	378	20	traditional	traditional	ADJ
easat-2128	378	21	banks	bank	NOUN
easat-2128	378	22	effort	effort	NOUN
easat-2128	378	23	toward	toward	ADP
easat-2128	378	24	financial	financial	ADJ
easat-2128	378	25	accessibility	accessibility	NOUN
easat-2128	378	26	in	in	ADP
easat-2128	378	27	sub	sub	ADJ
easat-2128	378	28	-	-	ADJ
easat-2128	378	29	sahara	sahara	ADJ
easat-2128	378	30	africa	africa	PROPN
easat-2128	378	31	,	,	PUNCT
easat-2128	378	32	”	"	PUNCT
easat-2128	378	33	sustain	sustain	NOUN
easat-2128	378	34	.	.	PUNCT
easat-2128	378	35	,	,	PUNCT
easat-2128	378	36	vol	vol	NOUN
easat-2128	378	37	.	.	PROPN
easat-2128	378	38	12	12	NUM
easat-2128	378	39	,	,	PUNCT
easat-2128	378	40	no	no	INTJ
easat-2128	378	41	.	.	NOUN
easat-2128	378	42	3	3	NUM
easat-2128	378	43	,	,	PUNCT
easat-2128	378	44	pp	pp	ADJ
easat-2128	378	45	.	.	PUNCT
easat-2128	379	1	1–20	1–20	NUM
easat-2128	379	2	,	,	PUNCT
easat-2128	379	3	2020	2020	NUM
easat-2128	379	4	,	,	PUNCT
easat-2128	379	5	doi	doi	NOUN
easat-2128	379	6	:	:	PUNCT
easat-2128	379	7	10.3390	10.3390	NUM
easat-2128	379	8	/	/	SYM
easat-2128	379	9	su12030895	su12030895	ADJ
easat-2128	379	10	.	.	PUNCT
easat-2128	380	1	[	[	X
easat-2128	380	2	19	19	NUM
easat-2128	380	3	]	]	PUNCT
easat-2128	380	4	j.	j.	PROPN
easat-2128	380	5	liu	liu	PROPN
easat-2128	380	6	,	,	PUNCT
easat-2128	380	7	“	"	PUNCT
easat-2128	380	8	competition	competition	NOUN
easat-2128	380	9	and	and	CCONJ
easat-2128	380	10	development	development	NOUN
easat-2128	380	11	of	of	ADP
easat-2128	380	12	internet	internet	NOUN
easat-2128	380	13	finance	finance	NOUN
easat-2128	380	14	to	to	ADP
easat-2128	380	15	traditional	traditional	ADJ
easat-2128	380	16	commercial	commercial	ADJ
easat-2128	380	17	banks	bank	NOUN
easat-2128	380	18	,	,	PUNCT
easat-2128	380	19	”	"	PUNCT
easat-2128	380	20	proc	proc	NOUN
easat-2128	380	21	.	.	PUNCT
easat-2128	381	1	2021	2021	NUM
easat-2128	381	2	int	int	NOUN
easat-2128	381	3	.	.	PUNCT
easat-2128	381	4	conf	conf	PROPN
easat-2128	381	5	.	.	PUNCT
easat-2128	382	1	internet	internet	NOUN
easat-2128	382	2	,	,	PUNCT
easat-2128	382	3	educ	educ	PROPN
easat-2128	382	4	.	.	PUNCT
easat-2128	383	1	inf	inf	PROPN
easat-2128	383	2	.	.	PUNCT
easat-2128	383	3	technol	technol	PROPN
easat-2128	383	4	.	.	PUNCT
easat-2128	383	5	ieit	ieit	PROPN
easat-2128	383	6	2021	2021	NUM
easat-2128	383	7	,	,	PUNCT
easat-2128	383	8	pp	pp	ADJ
easat-2128	383	9	.	.	PUNCT
easat-2128	384	1	127–131	127–131	NUM
easat-2128	384	2	,	,	PUNCT
easat-2128	384	3	2021	2021	NUM
easat-2128	384	4	,	,	PUNCT
easat-2128	384	5	doi	doi	NOUN
easat-2128	384	6	:	:	PUNCT
easat-2128	384	7	10.1109	10.1109	NUM
easat-2128	384	8	/	/	SYM
easat-2128	384	9	ieit53597.2021.00035	ieit53597.2021.00035	NOUN
easat-2128	384	10	.	.	PUNCT
easat-2128	385	1	[	[	X
easat-2128	385	2	20	20	NUM
easat-2128	385	3	]	]	PUNCT
easat-2128	385	4	r.	r.	PROPN
easat-2128	385	5	banerjee	banerjee	PROPN
easat-2128	385	6	,	,	PUNCT
easat-2128	385	7	s.	s.	PROPN
easat-2128	385	8	majumdar	majumdar	PROPN
easat-2128	385	9	,	,	PUNCT
easat-2128	385	10	and	and	CCONJ
easat-2128	385	11	m.	m.	NOUN
easat-2128	385	12	albastaki	albastaki	PROPN
easat-2128	385	13	,	,	PUNCT
easat-2128	385	14	“	"	PUNCT
easat-2128	385	15	ideal	ideal	ADJ
easat-2128	385	16	self	self	NOUN
easat-2128	385	17	-	-	PUNCT
easat-2128	385	18	congruence	congruence	NOUN
easat-2128	385	19	:	:	PUNCT
easat-2128	385	20	neobanking	neobanke	VERB
easat-2128	385	21	by	by	ADP
easat-2128	385	22	traditional	traditional	ADJ
easat-2128	385	23	banks	bank	NOUN
easat-2128	385	24	and	and	CCONJ
easat-2128	385	25	the	the	DET
easat-2128	385	26	impact	impact	NOUN
easat-2128	385	27	on	on	ADP
easat-2128	385	28	market	market	NOUN
easat-2128	385	29	share	share	VERB
easat-2128	385	30	a	a	DET
easat-2128	385	31	case	case	NOUN
easat-2128	385	32	of	of	ADP
easat-2128	385	33	uae	uae	PROPN
easat-2128	385	34	banks	bank	NOUN
easat-2128	385	35	,	,	PUNCT
easat-2128	385	36	”	"	PUNCT
easat-2128	385	37	int	int	NOUN
easat-2128	385	38	.	.	PUNCT
easat-2128	386	1	j.	j.	PROPN
easat-2128	386	2	prof	prof	PROPN
easat-2128	386	3	.	.	PUNCT
easat-2128	387	1	bus	bus	PROPN
easat-2128	387	2	.	.	PUNCT
easat-2128	388	1	rev	rev	PROPN
easat-2128	388	2	.	.	PROPN
easat-2128	388	3	,	,	PUNCT
easat-2128	388	4	vol	vol	NOUN
easat-2128	388	5	.	.	PROPN
easat-2128	389	1	7	7	NUM
easat-2128	389	2	,	,	PUNCT
easat-2128	389	3	no	no	INTJ
easat-2128	389	4	.	.	NOUN
easat-2128	389	5	4	4	NUM
easat-2128	389	6	,	,	PUNCT
easat-2128	389	7	pp	pp	ADJ
easat-2128	389	8	.	.	PUNCT
easat-2128	390	1	1–21	1–21	NOUN
easat-2128	390	2	,	,	PUNCT
easat-2128	390	3	2022	2022	NUM
easat-2128	390	4	,	,	PUNCT
easat-2128	390	5	doi	doi	NOUN
easat-2128	390	6	:	:	PUNCT
easat-2128	390	7	10.26668	10.26668	NUM
easat-2128	390	8	/	/	SYM
easat-2128	390	9	businessreview/2022.v7i4.e779	businessreview/2022.v7i4.e779	NOUN
easat-2128	390	10	.	.	PUNCT
easat-2128	391	1	[	[	X
easat-2128	391	2	21	21	NUM
easat-2128	391	3	]	]	X
easat-2128	391	4	y.	y.	PROPN
easat-2128	391	5	chen	chen	PROPN
easat-2128	391	6	,	,	PUNCT
easat-2128	391	7	y.	y.	PROPN
easat-2128	391	8	dong	dong	PROPN
easat-2128	391	9	,	,	PUNCT
easat-2128	391	10	and	and	CCONJ
easat-2128	391	11	j.	j.	PROPN
easat-2128	391	12	hu	hu	PROPN
easat-2128	391	13	,	,	PUNCT
easat-2128	391	14	“	"	PUNCT
easat-2128	391	15	in	in	ADP
easat-2128	391	16	the	the	DET
easat-2128	391	17	shadow	shadow	NOUN
easat-2128	391	18	of	of	ADP
easat-2128	391	19	big	big	ADJ
easat-2128	391	20	tech	tech	NOUN
easat-2128	391	21	lending	lending	NOUN
easat-2128	391	22	,	,	PUNCT
easat-2128	391	23	”	"	PUNCT
easat-2128	391	24	china	china	PROPN
easat-2128	391	25	econ	econ	PROPN
easat-2128	391	26	.	.	PUNCT
easat-2128	392	1	rev	rev	PROPN
easat-2128	392	2	.	.	PROPN
easat-2128	392	3	,	,	PUNCT
easat-2128	392	4	vol	vol	NOUN
easat-2128	392	5	.	.	PROPN
easat-2128	392	6	79	79	NUM
easat-2128	392	7	,	,	PUNCT
easat-2128	392	8	no	no	INTJ
easat-2128	392	9	.	.	PUNCT
easat-2128	393	1	november	november	PROPN
easat-2128	393	2	2022	2022	NUM
easat-2128	393	3	,	,	PUNCT
easat-2128	393	4	p.	p.	NOUN
easat-2128	393	5	101913	101913	NUM
easat-2128	393	6	,	,	PUNCT
easat-2128	393	7	2023	2023	NUM
easat-2128	393	8	,	,	PUNCT
easat-2128	393	9	doi	doi	NOUN
easat-2128	393	10	:	:	PUNCT
easat-2128	393	11	10.1016	10.1016	NUM
easat-2128	393	12	/	/	SYM
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easat-2128	393	14	.	.	PUNCT
easat-2128	394	1	[	[	X
easat-2128	394	2	22	22	NUM
easat-2128	394	3	]	]	PUNCT
easat-2128	394	4	a.	a.	NOUN
easat-2128	394	5	saunders	saunder	NOUN
easat-2128	394	6	,	,	PUNCT
easat-2128	394	7	m.	m.	PROPN
easat-2128	394	8	schmid	schmid	PROPN
easat-2128	394	9	,	,	PUNCT
easat-2128	394	10	and	and	CCONJ
easat-2128	394	11	i.	i.	PROPN
easat-2128	394	12	walter	walter	PROPN
easat-2128	394	13	,	,	PUNCT
easat-2128	394	14	“	"	PUNCT
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easat-2128	394	16	scope	scope	NOUN
easat-2128	394	17	and	and	CCONJ
easat-2128	394	18	bank	bank	NOUN
easat-2128	394	19	performance	performance	NOUN
easat-2128	394	20	,	,	PUNCT
easat-2128	394	21	”	"	PUNCT
easat-2128	394	22	j.	j.	PROPN
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easat-2128	394	24	.	.	PUNCT
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easat-2128	394	26	.	.	PUNCT
easat-2128	394	27	,	,	PUNCT
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easat-2128	394	29	.	.	PROPN
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easat-2128	394	31	,	,	PUNCT
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easat-2128	394	34	,	,	PUNCT
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easat-2128	394	36	,	,	PUNCT
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easat-2128	394	38	:	:	PUNCT
easat-2128	394	39	10.1016	10.1016	NUM
easat-2128	394	40	/	/	SYM
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easat-2128	394	42	.	.	PUNCT
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easat-2128	395	9	:	:	PUNCT
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easat-2128	395	11	-	-	SYM
easat-2128	395	12	8484	8484	NUM
easat-2128	395	13	vol	vol	NOUN
easat-2128	395	14	.	.	PROPN
easat-2128	395	15	8	8	NUM
easat-2128	395	16	,	,	PUNCT
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easat-2128	395	18	.	.	NOUN
easat-2128	396	1	6	6	NUM
easat-2128	396	2	:	:	SYM
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easat-2128	396	4	-	-	SYM
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easat-2128	396	6	,	,	PUNCT
easat-2128	396	7	2024	2024	NUM
easat-2128	396	8	doi	doi	NOUN
easat-2128	396	9	:	:	PUNCT
easat-2128	396	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	396	11	©	©	PROPN
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easat-2128	396	14	the	the	DET
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easat-2128	396	16	;	;	PUNCT
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easat-2128	396	20	[	[	X
easat-2128	396	21	23	23	NUM
easat-2128	396	22	]	]	X
easat-2128	396	23	c.	c.	PROPN
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easat-2128	396	25	pellegrini	pellegrini	PROPN
easat-2128	396	26	,	,	PUNCT
easat-2128	396	27	p.	p.	PROPN
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easat-2128	396	29	,	,	PUNCT
easat-2128	396	30	m.	m.	NOUN
easat-2128	396	31	meoli	meoli	NOUN
easat-2128	396	32	,	,	PUNCT
easat-2128	396	33	and	and	CCONJ
easat-2128	396	34	g.	g.	PROPN
easat-2128	396	35	urga	urga	PROPN
easat-2128	396	36	,	,	PUNCT
easat-2128	396	37	“	"	PUNCT
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easat-2128	396	39	contribution	contribution	NOUN
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easat-2128	396	41	(	(	PUNCT
easat-2128	396	42	shadow	shadow	NOUN
easat-2128	396	43	)	)	PUNCT
easat-2128	396	44	banks	bank	NOUN
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easat-2128	396	46	real	real	ADJ
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easat-2128	396	48	to	to	ADP
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easat-2128	396	51	in	in	ADP
easat-2128	396	52	china	china	PROPN
easat-2128	396	53	,	,	PUNCT
easat-2128	396	54	”	"	PUNCT
easat-2128	396	55	j.	j.	PROPN
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easat-2128	396	57	.	.	PUNCT
easat-2128	397	1	stab	stab	PROPN
easat-2128	397	2	.	.	PUNCT
easat-2128	398	1	,	,	PUNCT
easat-2128	398	2	vol	vol	NOUN
easat-2128	398	3	.	.	PROPN
easat-2128	398	4	60	60	NUM
easat-2128	398	5	,	,	PUNCT
easat-2128	398	6	no	no	INTJ
easat-2128	398	7	.	.	PUNCT
easat-2128	399	1	may	may	AUX
easat-2128	399	2	,	,	PUNCT
easat-2128	399	3	p.	p.	NOUN
easat-2128	399	4	101018	101018	NUM
easat-2128	399	5	,	,	PUNCT
easat-2128	399	6	2022	2022	NUM
easat-2128	399	7	,	,	PUNCT
easat-2128	399	8	doi	doi	NOUN
easat-2128	399	9	:	:	PUNCT
easat-2128	399	10	10.1016	10.1016	NUM
easat-2128	399	11	/	/	SYM
easat-2128	399	12	j.jfs.2022.101018	j.jfs.2022.101018	PROPN
easat-2128	399	13	.	.	PUNCT
easat-2128	400	1	[	[	X
easat-2128	400	2	24	24	NUM
easat-2128	400	3	]	]	X
easat-2128	400	4	v.	v.	PROPN
easat-2128	400	5	viverita	viverita	PROPN
easat-2128	400	6	,	,	PUNCT
easat-2128	400	7	y.	y.	PROPN
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easat-2128	400	9	,	,	PUNCT
easat-2128	400	10	and	and	CCONJ
easat-2128	400	11	d.	d.	PROPN
easat-2128	400	12	n.	n.	PROPN
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easat-2128	400	14	,	,	PUNCT
easat-2128	400	15	“	"	PUNCT
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easat-2128	400	17	creation	creation	NOUN
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easat-2128	400	20	and	and	CCONJ
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easat-2128	400	22	banks	bank	NOUN
easat-2128	400	23	during	during	ADP
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easat-2128	400	26	,	,	PUNCT
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easat-2128	400	29	.	.	PUNCT
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easat-2128	400	31	.	.	PUNCT
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easat-2128	401	2	.	.	PUNCT
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easat-2128	402	2	.	.	PUNCT
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easat-2128	403	2	.	.	PROPN
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easat-2128	403	4	,	,	PUNCT
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easat-2128	403	8	,	,	PUNCT
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easat-2128	403	10	.	.	NOUN
easat-2128	403	11	1	1	NUM
easat-2128	403	12	,	,	PUNCT
easat-2128	403	13	pp	pp	ADJ
easat-2128	403	14	.	.	PUNCT
easat-2128	404	1	1–1	1–1	NUM
easat-2128	404	2	,	,	PUNCT
easat-2128	404	3	2022	2022	NUM
easat-2128	404	4	,	,	PUNCT
easat-2128	404	5	doi	doi	NOUN
easat-2128	404	6	:	:	PUNCT
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easat-2128	404	8	/	/	SYM
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easat-2128	404	10	)	)	PUNCT
easat-2128	404	11	.	.	PUNCT
easat-2128	405	1	[	[	X
easat-2128	405	2	25	25	NUM
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easat-2128	405	4	v.	v.	X
easat-2128	405	5	d.	d.	PROPN
easat-2128	405	6	dang	dang	PROPN
easat-2128	405	7	,	,	PUNCT
easat-2128	405	8	“	"	PUNCT
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easat-2128	405	10	liquidity	liquidity	NOUN
easat-2128	405	11	creation	creation	NOUN
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easat-2128	405	15	:	:	PUNCT
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easat-2128	405	22	,	,	PUNCT
easat-2128	405	23	”	"	PUNCT
easat-2128	405	24	econ	econ	PROPN
easat-2128	405	25	.	.	PUNCT
easat-2128	405	26	model	model	PROPN
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easat-2128	405	28	,	,	PUNCT
easat-2128	405	29	vol	vol	NOUN
easat-2128	405	30	.	.	PROPN
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easat-2128	407	1	august	august	PROPN
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easat-2128	407	3	,	,	PUNCT
easat-2128	407	4	p.	p.	NOUN
easat-2128	407	5	105852	105852	NUM
easat-2128	407	6	,	,	PUNCT
easat-2128	407	7	2022	2022	NUM
easat-2128	407	8	,	,	PUNCT
easat-2128	407	9	doi	doi	NOUN
easat-2128	407	10	:	:	PUNCT
easat-2128	407	11	10.1016	10.1016	NUM
easat-2128	407	12	/	/	SYM
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easat-2128	407	14	.	.	PUNCT
easat-2128	408	1	[	[	X
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easat-2128	408	4	d.	d.	PROPN
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easat-2128	408	9	,	,	PUNCT
easat-2128	408	10	and	and	CCONJ
easat-2128	408	11	l.	l.	PROPN
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easat-2128	408	13	,	,	PUNCT
easat-2128	408	14	“	"	PUNCT
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easat-2128	408	17	bank	bank	NOUN
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easat-2128	408	20	,	,	PUNCT
easat-2128	408	21	”	"	PUNCT
easat-2128	408	22	j.	j.	PROPN
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easat-2128	408	24	.	.	PUNCT
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easat-2128	410	2	.	.	PUNCT
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easat-2128	411	3	,	,	PUNCT
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easat-2128	411	5	.	.	PROPN
easat-2128	412	1	55	55	NUM
easat-2128	412	2	,	,	PUNCT
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easat-2128	413	7	,	,	PUNCT
easat-2128	413	8	2018	2018	NUM
easat-2128	413	9	,	,	PUNCT
easat-2128	413	10	doi	doi	NOUN
easat-2128	413	11	:	:	PUNCT
easat-2128	413	12	10.1016	10.1016	NUM
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easat-2128	413	15	.	.	PUNCT
easat-2128	414	1	[	[	X
easat-2128	414	2	27	27	NUM
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easat-2128	414	7	,	,	PUNCT
easat-2128	414	8	“	"	PUNCT
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easat-2128	415	5	”	"	PUNCT
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easat-2128	416	2	.	.	PUNCT
easat-2128	417	1	bus	bus	PROPN
easat-2128	417	2	.	.	PUNCT
easat-2128	418	1	financ	financ	PROPN
easat-2128	418	2	.	.	PUNCT
easat-2128	418	3	,	,	PUNCT
easat-2128	418	4	vol	vol	NOUN
easat-2128	418	5	.	.	PROPN
easat-2128	419	1	54	54	NUM
easat-2128	419	2	,	,	PUNCT
easat-2128	419	3	no	no	INTJ
easat-2128	419	4	.	.	PUNCT
easat-2128	420	1	august	august	PROPN
easat-2128	420	2	2019	2019	NUM
easat-2128	420	3	,	,	PUNCT
easat-2128	420	4	p.	p.	NOUN
easat-2128	420	5	101257	101257	NUM
easat-2128	420	6	,	,	PUNCT
easat-2128	420	7	2020	2020	NUM
easat-2128	420	8	,	,	PUNCT
easat-2128	420	9	doi	doi	NOUN
easat-2128	420	10	:	:	PUNCT
easat-2128	420	11	10.1016	10.1016	NUM
easat-2128	420	12	/	/	SYM
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easat-2128	420	14	.	.	PUNCT
easat-2128	421	1	[	[	X
easat-2128	421	2	28	28	NUM
easat-2128	421	3	]	]	X
easat-2128	421	4	v.	v.	X
easat-2128	421	5	d.	d.	PROPN
easat-2128	421	6	dang	dang	PROPN
easat-2128	421	7	and	and	CCONJ
easat-2128	421	8	v.	v.	ADP
easat-2128	421	9	c.	c.	PROPN
easat-2128	421	10	dang	dang	PROPN
easat-2128	421	11	,	,	PUNCT
easat-2128	421	12	“	"	PUNCT
easat-2128	421	13	how	how	SCONJ
easat-2128	421	14	do	do	AUX
easat-2128	421	15	bank	bank	NOUN
easat-2128	421	16	characteristics	characteristic	NOUN
easat-2128	421	17	affect	affect	VERB
easat-2128	421	18	the	the	DET
easat-2128	421	19	bank	bank	PROPN
easat-2128	421	20	liquidity	liquidity	PROPN
easat-2128	421	21	creation	creation	NOUN
easat-2128	421	22	channel	channel	NOUN
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easat-2128	421	26	?	?	PUNCT
easat-2128	421	27	,	,	PUNCT
easat-2128	421	28	”	"	PUNCT
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easat-2128	421	30	.	.	PUNCT
easat-2128	422	1	res	re	NOUN
easat-2128	422	2	.	.	PUNCT
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easat-2128	423	2	.	.	PROPN
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easat-2128	424	2	,	,	PUNCT
easat-2128	425	1	no	no	INTJ
easat-2128	425	2	.	.	PUNCT
easat-2128	426	1	july	july	PROPN
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easat-2128	426	3	,	,	PUNCT
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easat-2128	426	6	,	,	PUNCT
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easat-2128	426	8	,	,	PUNCT
easat-2128	426	9	doi	doi	NOUN
easat-2128	426	10	:	:	PUNCT
easat-2128	426	11	10.1016	10.1016	NUM
easat-2128	426	12	/	/	SYM
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easat-2128	426	14	.	.	PUNCT
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easat-2128	427	4	t.	t.	PROPN
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easat-2128	427	6	,	,	PUNCT
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easat-2128	427	9	,	,	PUNCT
easat-2128	427	10	t.	t.	PROPN
easat-2128	427	11	lambert	lambert	PROPN
easat-2128	427	12	,	,	PUNCT
easat-2128	427	13	and	and	CCONJ
easat-2128	427	14	m.	m.	PROPN
easat-2128	427	15	van	van	PROPN
easat-2128	427	16	dijk	dijk	PROPN
easat-2128	427	17	,	,	PUNCT
easat-2128	427	18	liquidity	liquidity	NOUN
easat-2128	427	19	creation	creation	NOUN
easat-2128	427	20	,	,	PUNCT
easat-2128	427	21	investment	investment	NOUN
easat-2128	427	22	,	,	PUNCT
easat-2128	427	23	and	and	CCONJ
easat-2128	427	24	growth	growth	NOUN
easat-2128	427	25	,	,	PUNCT
easat-2128	427	26	vol	vol	NOUN
easat-2128	427	27	.	.	PROPN
easat-2128	427	28	28	28	NUM
easat-2128	427	29	,	,	PUNCT
easat-2128	427	30	no	no	INTJ
easat-2128	427	31	.	.	NOUN
easat-2128	427	32	2	2	NUM
easat-2128	427	33	.	.	X
easat-2128	427	34	springer	springer	NOUN
easat-2128	427	35	us	we	PRON
easat-2128	427	36	,	,	PUNCT
easat-2128	427	37	2022	2022	NUM
easat-2128	427	38	.	.	PUNCT
easat-2128	428	1	doi	doi	NOUN
easat-2128	428	2	:	:	PUNCT
easat-2128	428	3	10.1007	10.1007	NUM
easat-2128	428	4	/	/	SYM
easat-2128	428	5	s10887	s10887	NOUN
easat-2128	428	6	-	-	PUNCT
easat-2128	428	7	022	022	NUM
easat-2128	428	8	-	-	PUNCT
easat-2128	428	9	09217	09217	NUM
easat-2128	428	10	-	-	SYM
easat-2128	428	11	1	1	NUM
easat-2128	428	12	.	.	PUNCT
easat-2128	429	1	[	[	X
easat-2128	429	2	30	30	NUM
easat-2128	429	3	]	]	PUNCT
easat-2128	429	4	j.	j.	PROPN
easat-2128	429	5	niu	niu	PROPN
easat-2128	429	6	,	,	PUNCT
easat-2128	429	7	“	"	PUNCT
easat-2128	429	8	bank	bank	NOUN
easat-2128	429	9	size	size	NOUN
easat-2128	429	10	and	and	CCONJ
easat-2128	429	11	liquidity	liquidity	NOUN
easat-2128	429	12	creation	creation	NOUN
easat-2128	429	13	,	,	PUNCT
easat-2128	429	14	”	"	PUNCT
easat-2128	429	15	appl	appl	PROPN
easat-2128	429	16	.	.	PUNCT
easat-2128	430	1	econ	econ	PROPN
easat-2128	430	2	.	.	PUNCT
easat-2128	431	1	lett	lett	PROPN
easat-2128	431	2	.	.	PROPN
easat-2128	431	3	,	,	PUNCT
easat-2128	431	4	vol	vol	NOUN
easat-2128	431	5	.	.	PROPN
easat-2128	431	6	30	30	NUM
easat-2128	431	7	,	,	PUNCT
easat-2128	431	8	no	no	INTJ
easat-2128	431	9	.	.	NOUN
easat-2128	431	10	2	2	NUM
easat-2128	431	11	,	,	PUNCT
easat-2128	431	12	pp	pp	ADJ
easat-2128	431	13	.	.	PUNCT
easat-2128	432	1	157–161	157–161	NUM
easat-2128	432	2	,	,	PUNCT
easat-2128	432	3	2023	2023	NUM
easat-2128	432	4	,	,	PUNCT
easat-2128	432	5	doi	doi	NOUN
easat-2128	432	6	:	:	PUNCT
easat-2128	432	7	10.1080/13504851.2021.1980194	10.1080/13504851.2021.1980194	NUM
easat-2128	432	8	.	.	PUNCT
easat-2128	433	1	[	[	X
easat-2128	433	2	31	31	NUM
easat-2128	433	3	]	]	PUNCT
easat-2128	433	4	a.	a.	PROPN
easat-2128	433	5	n.	n.	PROPN
easat-2128	433	6	berger	berger	PROPN
easat-2128	433	7	and	and	CCONJ
easat-2128	433	8	j.	j.	PROPN
easat-2128	433	9	sedunov	sedunov	PROPN
easat-2128	433	10	,	,	PUNCT
easat-2128	433	11	“	"	PUNCT
easat-2128	433	12	bank	bank	NOUN
easat-2128	433	13	liquidity	liquidity	NOUN
easat-2128	433	14	creation	creation	NOUN
easat-2128	433	15	and	and	CCONJ
easat-2128	433	16	real	real	ADJ
easat-2128	433	17	economic	economic	ADJ
easat-2128	433	18	output	output	NOUN
easat-2128	433	19	,	,	PUNCT
easat-2128	433	20	”	"	PUNCT
easat-2128	433	21	j.	j.	PROPN
easat-2128	433	22	bank	bank	PROPN
easat-2128	433	23	.	.	PUNCT
easat-2128	434	1	financ	financ	PROPN
easat-2128	434	2	.	.	PUNCT
easat-2128	434	3	,	,	PUNCT
easat-2128	434	4	vol	vol	NOUN
easat-2128	434	5	.	.	PROPN
easat-2128	434	6	81	81	NUM
easat-2128	434	7	,	,	PUNCT
easat-2128	434	8	pp	pp	ADJ
easat-2128	434	9	.	.	PUNCT
easat-2128	435	1	1–19	1–19	NOUN
easat-2128	435	2	,	,	PUNCT
easat-2128	435	3	2017	2017	NUM
easat-2128	435	4	,	,	PUNCT
easat-2128	435	5	doi	doi	NOUN
easat-2128	435	6	:	:	PUNCT
easat-2128	435	7	10.1016	10.1016	NUM
easat-2128	435	8	/	/	SYM
easat-2128	435	9	j.jbankfin.2017.04.005	j.jbankfin.2017.04.005	PROPN
easat-2128	435	10	.	.	PUNCT
easat-2128	436	1	[	[	X
easat-2128	436	2	32	32	NUM
easat-2128	436	3	]	]	PUNCT
easat-2128	436	4	l.	l.	PROPN
easat-2128	436	5	jiang	jiang	PROPN
easat-2128	436	6	,	,	PUNCT
easat-2128	436	7	r.	r.	PROPN
easat-2128	436	8	levine	levine	PROPN
easat-2128	436	9	,	,	PUNCT
easat-2128	436	10	and	and	CCONJ
easat-2128	436	11	c.	c.	PROPN
easat-2128	436	12	lin	lin	PROPN
easat-2128	436	13	,	,	PUNCT
easat-2128	436	14	“	"	PUNCT
easat-2128	436	15	competition	competition	NOUN
easat-2128	436	16	and	and	CCONJ
easat-2128	436	17	bank	bank	NOUN
easat-2128	436	18	liquidity	liquidity	NOUN
easat-2128	436	19	creation	creation	NOUN
easat-2128	436	20	,	,	PUNCT
easat-2128	436	21	”	"	PUNCT
easat-2128	436	22	j.	j.	PROPN
easat-2128	436	23	financ	financ	PROPN
easat-2128	436	24	.	.	PUNCT
easat-2128	437	1	quant	quant	PROPN
easat-2128	437	2	.	.	PUNCT
easat-2128	438	1	…	…	PUNCT
easat-2128	438	2	,	,	PUNCT
easat-2128	438	3	2019	2019	NUM
easat-2128	438	4	,	,	PUNCT
easat-2128	438	5	doi	doi	NOUN
easat-2128	438	6	:	:	PUNCT
easat-2128	438	7	10.1017	10.1017	NUM
easat-2128	438	8	/	/	SYM
easat-2128	438	9	s0022109018000820	s0022109018000820	NOUN
easat-2128	438	10	.	.	PUNCT
easat-2128	439	1	[	[	X
easat-2128	439	2	33	33	NUM
easat-2128	439	3	]	]	PUNCT
easat-2128	439	4	m.	m.	NOUN
easat-2128	439	5	y.	y.	PROPN
easat-2128	439	6	toh	toh	PROPN
easat-2128	439	7	and	and	CCONJ
easat-2128	439	8	d.	d.	PROPN
easat-2128	439	9	jia	jia	PROPN
easat-2128	439	10	,	,	PUNCT
easat-2128	439	11	“	"	PUNCT
easat-2128	439	12	do	do	VERB
easat-2128	439	13	foreign	foreign	ADJ
easat-2128	439	14	ownership	ownership	NOUN
easat-2128	439	15	and	and	CCONJ
easat-2128	439	16	home	home	NOUN
easat-2128	439	17	-	-	PUNCT
easat-2128	439	18	host	host	NOUN
easat-2128	439	19	country	country	NOUN
easat-2128	439	20	distance	distance	NOUN
easat-2128	439	21	matter	matter	NOUN
easat-2128	439	22	?	?	PUNCT
easat-2128	440	1	evidence	evidence	NOUN
easat-2128	440	2	on	on	ADP
easat-2128	440	3	the	the	DET
easat-2128	440	4	impact	impact	NOUN
easat-2128	440	5	of	of	ADP
easat-2128	440	6	bank	bank	NOUN
easat-2128	440	7	market	market	NOUN
easat-2128	440	8	power	power	NOUN
easat-2128	440	9	on	on	ADP
easat-2128	440	10	liquidity	liquidity	NOUN
easat-2128	440	11	creation	creation	NOUN
easat-2128	440	12	in	in	ADP
easat-2128	440	13	a	a	DET
easat-2128	440	14	selected	select	VERB
easat-2128	440	15	southeast	southeast	ADJ
easat-2128	440	16	asian	asian	ADJ
easat-2128	440	17	country	country	NOUN
easat-2128	440	18	,	,	PUNCT
easat-2128	440	19	”	"	PUNCT
easat-2128	440	20	res	re	NOUN
easat-2128	440	21	.	.	PUNCT
easat-2128	441	1	int	int	NOUN
easat-2128	441	2	.	.	PUNCT
easat-2128	442	1	bus	bus	PROPN
easat-2128	442	2	.	.	PUNCT
easat-2128	443	1	financ	financ	PROPN
easat-2128	443	2	.	.	PUNCT
easat-2128	443	3	,	,	PUNCT
easat-2128	443	4	vol	vol	NOUN
easat-2128	443	5	.	.	PROPN
easat-2128	444	1	56	56	NUM
easat-2128	444	2	,	,	PUNCT
easat-2128	444	3	no	no	INTJ
easat-2128	444	4	.	.	PUNCT
easat-2128	445	1	february	february	PROPN
easat-2128	445	2	2020	2020	NUM
easat-2128	445	3	,	,	PUNCT
easat-2128	445	4	p.	p.	NOUN
easat-2128	445	5	101350	101350	NUM
easat-2128	445	6	,	,	PUNCT
easat-2128	445	7	2021	2021	NUM
easat-2128	445	8	,	,	PUNCT
easat-2128	445	9	doi	doi	NOUN
easat-2128	445	10	:	:	PUNCT
easat-2128	445	11	10.1016	10.1016	NUM
easat-2128	445	12	/	/	SYM
easat-2128	445	13	j.ribaf.2020.101350	j.ribaf.2020.101350	NOUN
easat-2128	445	14	.	.	PUNCT
easat-2128	446	1	[	[	X
easat-2128	446	2	34	34	NUM
easat-2128	446	3	]	]	X
easat-2128	446	4	s.	s.	PROPN
easat-2128	446	5	ali	ali	PROPN
easat-2128	446	6	,	,	PUNCT
easat-2128	446	7	i.	i.	PROPN
easat-2128	446	8	yousaf	yousaf	PROPN
easat-2128	446	9	,	,	PUNCT
easat-2128	446	10	s.	s.	PROPN
easat-2128	446	11	chughtai	chughtai	PROPN
easat-2128	446	12	,	,	PUNCT
easat-2128	446	13	and	and	CCONJ
easat-2128	446	14	s.	s.	PROPN
easat-2128	446	15	z.	z.	PROPN
easat-2128	446	16	ali	ali	PROPN
easat-2128	446	17	shah	shah	PROPN
easat-2128	446	18	,	,	PUNCT
easat-2128	446	19	“	"	PUNCT
easat-2128	446	20	role	role	NOUN
easat-2128	446	21	of	of	ADP
easat-2128	446	22	bank	bank	NOUN
easat-2128	446	23	competition	competition	NOUN
easat-2128	446	24	in	in	ADP
easat-2128	446	25	determining	determine	VERB
easat-2128	446	26	liquidity	liquidity	NOUN
easat-2128	446	27	creation	creation	NOUN
easat-2128	446	28	:	:	PUNCT
easat-2128	446	29	evidence	evidence	NOUN
easat-2128	446	30	from	from	ADP
easat-2128	446	31	gcc	gcc	NOUN
easat-2128	446	32	countries	country	NOUN
easat-2128	446	33	,	,	PUNCT
easat-2128	446	34	”	"	PUNCT
easat-2128	446	35	j.	j.	PROPN
easat-2128	446	36	appl	appl	PROPN
easat-2128	446	37	.	.	PROPN
easat-2128	447	1	econ	econ	PROPN
easat-2128	447	2	.	.	PROPN
easat-2128	447	3	,	,	PUNCT
easat-2128	447	4	vol	vol	NOUN
easat-2128	447	5	.	.	PROPN
easat-2128	448	1	25	25	NUM
easat-2128	448	2	,	,	PUNCT
easat-2128	448	3	no	no	INTJ
easat-2128	448	4	.	.	NOUN
easat-2128	448	5	1	1	NUM
easat-2128	448	6	,	,	PUNCT
easat-2128	448	7	pp	pp	ADJ
easat-2128	448	8	.	.	PUNCT
easat-2128	449	1	242–259	242–259	NUM
easat-2128	449	2	,	,	PUNCT
easat-2128	449	3	2022	2022	NUM
easat-2128	449	4	,	,	PUNCT
easat-2128	449	5	doi	doi	NOUN
easat-2128	449	6	:	:	PUNCT
easat-2128	449	7	10.1080/15140326.2022.2043114	10.1080/15140326.2022.2043114	NUM
easat-2128	449	8	.	.	PUNCT
easat-2128	450	1	[	[	X
easat-2128	450	2	35	35	NUM
easat-2128	450	3	]	]	PUNCT
easat-2128	450	4	a.	a.	NOUN
easat-2128	450	5	sahyouni	sahyouni	PROPN
easat-2128	450	6	,	,	PUNCT
easat-2128	450	7	m.	m.	NOUN
easat-2128	450	8	a.	a.	PROPN
easat-2128	450	9	a.	a.	PROPN
easat-2128	450	10	zaid	zaid	PROPN
easat-2128	450	11	,	,	PUNCT
easat-2128	450	12	and	and	CCONJ
easat-2128	450	13	m.	m.	NOUN
easat-2128	450	14	adib	adib	PROPN
easat-2128	450	15	,	,	PUNCT
easat-2128	450	16	“	"	PUNCT
easat-2128	450	17	bank	bank	NOUN
easat-2128	450	18	soundness	soundness	NOUN
easat-2128	450	19	and	and	CCONJ
easat-2128	450	20	liquidity	liquidity	NOUN
easat-2128	450	21	creation	creation	NOUN
easat-2128	450	22	,	,	PUNCT
easat-2128	450	23	”	"	PUNCT
easat-2128	450	24	euromed	eurome	VERB
easat-2128	450	25	j.	j.	PROPN
easat-2128	450	26	bus	bus	PROPN
easat-2128	450	27	.	.	PUNCT
easat-2128	450	28	,	,	PUNCT
easat-2128	450	29	vol	vol	NOUN
easat-2128	450	30	.	.	PROPN
easat-2128	451	1	16	16	NUM
easat-2128	451	2	,	,	PUNCT
easat-2128	451	3	no	no	INTJ
easat-2128	451	4	.	.	NOUN
easat-2128	451	5	1	1	NUM
easat-2128	451	6	,	,	PUNCT
easat-2128	451	7	pp	pp	ADJ
easat-2128	451	8	.	.	PUNCT
easat-2128	452	1	86–107	86–107	NUM
easat-2128	452	2	,	,	PUNCT
easat-2128	452	3	2021	2021	NUM
easat-2128	452	4	,	,	PUNCT
easat-2128	452	5	doi	doi	NOUN
easat-2128	452	6	:	:	PUNCT
easat-2128	452	7	10.1108	10.1108	NUM
easat-2128	452	8	/	/	SYM
easat-2128	452	9	emjb-04	emjb-04	PROPN
easat-2128	452	10	-	-	PUNCT
easat-2128	452	11	2019	2019	NUM
easat-2128	452	12	-	-	PUNCT
easat-2128	452	13	0061	0061	NUM
easat-2128	452	14	.	.	PUNCT
easat-2128	453	1	[	[	X
easat-2128	453	2	36	36	NUM
easat-2128	453	3	]	]	PUNCT
easat-2128	453	4	t.	t.	PROPN
easat-2128	453	5	t.	t.	PROPN
easat-2128	453	6	h.	h.	PROPN
easat-2128	453	7	nguyen	nguyen	PROPN
easat-2128	453	8	,	,	PUNCT
easat-2128	453	9	g.	g.	PROPN
easat-2128	453	10	q.	q.	PROPN
easat-2128	453	11	phan	phan	PROPN
easat-2128	453	12	,	,	PUNCT
easat-2128	453	13	w.	w.	PROPN
easat-2128	453	14	k.	k.	PROPN
easat-2128	453	15	wong	wong	PROPN
easat-2128	453	16	,	,	PUNCT
easat-2128	453	17	and	and	CCONJ
easat-2128	453	18	m.	m.	PROPN
easat-2128	453	19	moslehpour	moslehpour	PROPN
easat-2128	453	20	,	,	PUNCT
easat-2128	453	21	“	"	PUNCT
easat-2128	453	22	the	the	DET
easat-2128	453	23	influence	influence	NOUN
easat-2128	453	24	of	of	ADP
easat-2128	453	25	market	market	NOUN
easat-2128	453	26	power	power	NOUN
easat-2128	453	27	on	on	ADP
easat-2128	453	28	liquidity	liquidity	NOUN
easat-2128	453	29	creation	creation	NOUN
easat-2128	453	30	of	of	ADP
easat-2128	453	31	commercial	commercial	ADJ
easat-2128	453	32	banks	bank	NOUN
easat-2128	453	33	in	in	ADP
easat-2128	453	34	vietnam	vietnam	PROPN
easat-2128	453	35	,	,	PUNCT
easat-2128	453	36	”	"	PUNCT
easat-2128	453	37	j.	j.	PROPN
easat-2128	453	38	asian	asian	PROPN
easat-2128	453	39	bus	bus	PROPN
easat-2128	453	40	.	.	PUNCT
easat-2128	454	1	econ	econ	PROPN
easat-2128	454	2	.	.	PUNCT
easat-2128	454	3	stud	stud	PROPN
easat-2128	454	4	.	.	PUNCT
easat-2128	454	5	,	,	PUNCT
easat-2128	454	6	2022	2022	NUM
easat-2128	454	7	,	,	PUNCT
easat-2128	454	8	doi	doi	NOUN
easat-2128	454	9	:	:	PUNCT
easat-2128	454	10	10.1108	10.1108	NUM
easat-2128	454	11	/	/	SYM
easat-2128	454	12	jabes-06	jabes-06	PROPN
easat-2128	454	13	-	-	PUNCT
easat-2128	454	14	2021	2021	NUM
easat-2128	454	15	-	-	PUNCT
easat-2128	454	16	0076	0076	NUM
easat-2128	454	17	.	.	PUNCT
easat-2128	455	1	[	[	X
easat-2128	455	2	37	37	NUM
easat-2128	455	3	]	]	X
easat-2128	455	4	c.	c.	PROPN
easat-2128	455	5	d’avino	d’avino	PROPN
easat-2128	455	6	,	,	PUNCT
easat-2128	455	7	e.	e.	PROPN
easat-2128	455	8	girardin	girardin	PROPN
easat-2128	455	9	,	,	PUNCT
easat-2128	455	10	and	and	CCONJ
easat-2128	455	11	m.	m.	PROPN
easat-2128	455	12	shabani	shabani	PROPN
easat-2128	455	13	,	,	PUNCT
easat-2128	455	14	bank	bank	NOUN
easat-2128	455	15	liquidity	liquidity	NOUN
easat-2128	455	16	creation	creation	NOUN
easat-2128	455	17	:	:	PUNCT
easat-2128	455	18	a	a	DET
easat-2128	455	19	new	new	ADJ
easat-2128	455	20	global	global	ADJ
easat-2128	455	21	dataset	dataset	NOUN
easat-2128	455	22	for	for	ADP
easat-2128	455	23	developing	develop	VERB
easat-2128	455	24	and	and	CCONJ
easat-2128	455	25	emerging	emerge	VERB
easat-2128	455	26	countries	country	NOUN
easat-2128	455	27	,	,	PUNCT
easat-2128	455	28	vol	vol	NOUN
easat-2128	455	29	.	.	PROPN
easat-2128	456	1	158	158	NUM
easat-2128	456	2	,	,	PUNCT
easat-2128	456	3	no	no	INTJ
easat-2128	456	4	.	.	NOUN
easat-2128	456	5	2	2	NUM
easat-2128	456	6	.	.	X
easat-2128	456	7	springer	springer	PROPN
easat-2128	456	8	berlin	berlin	PROPN
easat-2128	456	9	heidelberg	heidelberg	PROPN
easat-2128	456	10	,	,	PUNCT
easat-2128	456	11	2022	2022	NUM
easat-2128	456	12	.	.	PUNCT
easat-2128	457	1	doi	doi	NOUN
easat-2128	457	2	:	:	PUNCT
easat-2128	457	3	10.1007	10.1007	NUM
easat-2128	457	4	/	/	SYM
easat-2128	457	5	s10290	s10290	PROPN
easat-2128	457	6	-	-	PUNCT
easat-2128	457	7	021	021	NUM
easat-2128	457	8	-	-	PUNCT
easat-2128	457	9	00434	00434	NUM
easat-2128	457	10	-	-	SYM
easat-2128	457	11	1	1	NUM
easat-2128	457	12	.	.	PUNCT
easat-2128	458	1	[	[	X
easat-2128	458	2	38	38	NUM
easat-2128	458	3	]	]	PUNCT
easat-2128	458	4	x.	x.	NOUN
easat-2128	458	5	m.	m.	PROPN
easat-2128	458	6	fu	fu	PROPN
easat-2128	458	7	,	,	PUNCT
easat-2128	458	8	y.	y.	PROPN
easat-2128	458	9	r.	r.	PROPN
easat-2128	458	10	lin	lin	PROPN
easat-2128	458	11	,	,	PUNCT
easat-2128	458	12	and	and	CCONJ
easat-2128	458	13	p.	p.	PROPN
easat-2128	458	14	molyneux	molyneux	PROPN
easat-2128	458	15	,	,	PUNCT
easat-2128	458	16	“	"	PUNCT
easat-2128	458	17	bank	bank	NOUN
easat-2128	458	18	capital	capital	NOUN
easat-2128	458	19	and	and	CCONJ
easat-2128	458	20	liquidity	liquidity	NOUN
easat-2128	458	21	creation	creation	NOUN
easat-2128	458	22	in	in	ADP
easat-2128	458	23	asia	asia	PROPN
easat-2128	458	24	pacific	pacific	PROPN
easat-2128	458	25	,	,	PUNCT
easat-2128	458	26	”	"	PUNCT
easat-2128	458	27	econ	econ	PROPN
easat-2128	458	28	.	.	PUNCT
easat-2128	459	1	inq	inq	PROPN
easat-2128	459	2	.	.	PROPN
easat-2128	459	3	,	,	PUNCT
easat-2128	459	4	vol	vol	NOUN
easat-2128	459	5	.	.	PROPN
easat-2128	460	1	54	54	NUM
easat-2128	460	2	,	,	PUNCT
easat-2128	460	3	no	no	INTJ
easat-2128	460	4	.	.	NOUN
easat-2128	460	5	2	2	NUM
easat-2128	460	6	,	,	PUNCT
easat-2128	460	7	pp	pp	ADJ
easat-2128	460	8	.	.	PUNCT
easat-2128	461	1	966–993	966–993	NUM
easat-2128	461	2	,	,	PUNCT
easat-2128	461	3	2016	2016	NUM
easat-2128	461	4	,	,	PUNCT
easat-2128	461	5	doi	doi	NOUN
easat-2128	461	6	:	:	PUNCT
easat-2128	461	7	10.1111	10.1111	NUM
easat-2128	461	8	/	/	SYM
easat-2128	461	9	ecin.12308	ecin.12308	PROPN
easat-2128	461	10	.	.	PUNCT
easat-2128	462	1	[	[	X
easat-2128	462	2	39	39	NUM
easat-2128	462	3	]	]	PUNCT
easat-2128	462	4	t.	t.	PROPN
easat-2128	462	5	v.	v.	PROPN
easat-2128	462	6	h.	h.	PROPN
easat-2128	462	7	nguyen	nguyen	PROPN
easat-2128	462	8	,	,	PUNCT
easat-2128	462	9	“	"	PUNCT
easat-2128	462	10	do	do	AUX
easat-2128	462	11	stress	stress	NOUN
easat-2128	462	12	tests	test	NOUN
easat-2128	462	13	affect	affect	VERB
easat-2128	462	14	bank	bank	NOUN
easat-2128	462	15	liquidity	liquidity	NOUN
easat-2128	462	16	creation	creation	NOUN
easat-2128	462	17	?	?	PUNCT
easat-2128	462	18	,	,	PUNCT
easat-2128	462	19	”	"	PUNCT
easat-2128	462	20	j.	j.	PROPN
easat-2128	462	21	corp	corp	PROPN
easat-2128	462	22	.	.	PROPN
easat-2128	462	23	financ	financ	PROPN
easat-2128	462	24	.	.	PUNCT
easat-2128	462	25	,	,	PUNCT
easat-2128	462	26	vol	vol	NOUN
easat-2128	462	27	.	.	PROPN
easat-2128	462	28	64	64	NUM
easat-2128	462	29	,	,	PUNCT
easat-2128	462	30	2020	2020	NUM
easat-2128	462	31	,	,	PUNCT
easat-2128	462	32	doi	doi	NOUN
easat-2128	462	33	:	:	PUNCT
easat-2128	462	34	10.1016	10.1016	NUM
easat-2128	462	35	/	/	SYM
easat-2128	462	36	j.jcorpfin.2020.101622	j.jcorpfin.2020.101622	PROPN
easat-2128	462	37	.	.	PUNCT
easat-2128	463	1	[	[	X
easat-2128	463	2	40	40	NUM
easat-2128	463	3	]	]	PUNCT
easat-2128	463	4	t.	t.	PROPN
easat-2128	463	5	le	le	PROPN
easat-2128	463	6	,	,	PUNCT
easat-2128	463	7	“	"	PUNCT
easat-2128	463	8	the	the	DET
easat-2128	463	9	interrelationship	interrelationship	NOUN
easat-2128	463	10	between	between	ADP
easat-2128	463	11	liquidity	liquidity	NOUN
easat-2128	463	12	creation	creation	NOUN
easat-2128	463	13	and	and	CCONJ
easat-2128	463	14	bank	bank	NOUN
easat-2128	463	15	capital	capital	NOUN
easat-2128	463	16	in	in	ADP
easat-2128	463	17	vietnamese	vietnamese	ADJ
easat-2128	463	18	banking	banking	NOUN
easat-2128	463	19	,	,	PUNCT
easat-2128	463	20	”	"	PUNCT
easat-2128	463	21	manag	manag	NOUN
easat-2128	463	22	.	.	PUNCT
easat-2128	463	23	financ	financ	PROPN
easat-2128	463	24	.	.	PUNCT
easat-2128	463	25	,	,	PUNCT
easat-2128	463	26	vol	vol	NOUN
easat-2128	463	27	.	.	PROPN
easat-2128	464	1	45	45	NUM
easat-2128	464	2	,	,	PUNCT
easat-2128	464	3	no	no	INTJ
easat-2128	464	4	.	.	NOUN
easat-2128	464	5	2	2	NUM
easat-2128	464	6	,	,	PUNCT
easat-2128	464	7	pp	pp	ADJ
easat-2128	464	8	.	.	PUNCT
easat-2128	465	1	331–347	331–347	NUM
easat-2128	465	2	,	,	PUNCT
easat-2128	465	3	2019	2019	NUM
easat-2128	465	4	,	,	PUNCT
easat-2128	465	5	doi	doi	NOUN
easat-2128	465	6	:	:	PUNCT
easat-2128	465	7	10.1108	10.1108	NUM
easat-2128	465	8	/	/	SYM
easat-2128	465	9	mf-09	mf-09	NUM
easat-2128	465	10	-	-	PUNCT
easat-2128	465	11	2017	2017	NUM
easat-2128	465	12	-	-	PUNCT
easat-2128	465	13	0337	0337	NUM
easat-2128	465	14	.	.	PUNCT
easat-2128	466	1	[	[	X
easat-2128	466	2	41	41	NUM
easat-2128	466	3	]	]	X
easat-2128	466	4	i.	i.	NOUN
easat-2128	466	5	oino	oino	PROPN
easat-2128	466	6	,	,	PUNCT
easat-2128	466	7	“	"	PUNCT
easat-2128	466	8	regulatory	regulatory	ADJ
easat-2128	466	9	capital	capital	NOUN
easat-2128	466	10	:	:	PUNCT
easat-2128	466	11	implications	implication	NOUN
easat-2128	466	12	on	on	ADP
easat-2128	466	13	credit	credit	NOUN
easat-2128	466	14	creation	creation	NOUN
easat-2128	466	15	and	and	CCONJ
easat-2128	466	16	profitability	profitability	NOUN
easat-2128	466	17	,	,	PUNCT
easat-2128	466	18	”	"	PUNCT
easat-2128	466	19	cogent	cogent	NOUN
easat-2128	466	20	econ	econ	PROPN
easat-2128	466	21	.	.	PUNCT
easat-2128	467	1	financ	financ	PROPN
easat-2128	467	2	.	.	PUNCT
easat-2128	467	3	,	,	PUNCT
easat-2128	467	4	vol	vol	NOUN
easat-2128	467	5	.	.	PROPN
easat-2128	467	6	9	9	NUM
easat-2128	467	7	,	,	PUNCT
easat-2128	467	8	no	no	INTJ
easat-2128	467	9	.	.	NOUN
easat-2128	467	10	1	1	NUM
easat-2128	467	11	,	,	PUNCT
easat-2128	467	12	2021	2021	NUM
easat-2128	467	13	,	,	PUNCT
easat-2128	467	14	doi	doi	NOUN
easat-2128	467	15	:	:	PUNCT
easat-2128	467	16	10.1080/23322039.2021.1955470	10.1080/23322039.2021.1955470	NUM
easat-2128	467	17	.	.	PUNCT
easat-2128	468	1	[	[	X
easat-2128	468	2	42	42	NUM
easat-2128	468	3	]	]	PUNCT
easat-2128	468	4	m.	m.	NOUN
easat-2128	468	5	y.	y.	PROPN
easat-2128	468	6	toh	toh	PROPN
easat-2128	468	7	,	,	PUNCT
easat-2128	468	8	“	"	PUNCT
easat-2128	468	9	effects	effect	NOUN
easat-2128	468	10	of	of	ADP
easat-2128	468	11	bank	bank	NOUN
easat-2128	468	12	capital	capital	NOUN
easat-2128	468	13	on	on	ADP
easat-2128	468	14	liquidity	liquidity	NOUN
easat-2128	468	15	creation	creation	NOUN
easat-2128	468	16	and	and	CCONJ
easat-2128	468	17	business	business	NOUN
easat-2128	468	18	diversification	diversification	NOUN
easat-2128	468	19	:	:	PUNCT
easat-2128	468	20	evidence	evidence	NOUN
easat-2128	468	21	from	from	ADP
easat-2128	468	22	malaysia	malaysia	PROPN
easat-2128	468	23	,	,	PUNCT
easat-2128	468	24	”	"	PUNCT
easat-2128	468	25	j.	j.	PROPN
easat-2128	468	26	asian	asian	PROPN
easat-2128	468	27	econ	econ	PROPN
easat-2128	468	28	.	.	PROPN
easat-2128	468	29	,	,	PUNCT
easat-2128	468	30	2019	2019	NUM
easat-2128	468	31	,	,	PUNCT
easat-2128	469	1	[	[	X
easat-2128	469	2	online	online	X
easat-2128	469	3	]	]	X
easat-2128	469	4	.	.	PUNCT
easat-2128	470	1	available	available	ADJ
easat-2128	470	2	:	:	PUNCT
easat-2128	470	3	https://www.sciencedirect.com/science/article/pii/s104900781830109x	https://www.sciencedirect.com/science/article/pii/s104900781830109x	PROPN
easat-2128	471	1	[	[	X
easat-2128	471	2	43	43	NUM
easat-2128	471	3	]	]	PUNCT
easat-2128	471	4	s.	s.	PROPN
easat-2128	471	5	luck	luck	PROPN
easat-2128	471	6	and	and	CCONJ
easat-2128	471	7	p.	p.	PROPN
easat-2128	471	8	schempp	schempp	NOUN
easat-2128	471	9	,	,	PUNCT
easat-2128	471	10	“	"	PUNCT
easat-2128	471	11	inefficient	inefficient	ADJ
easat-2128	471	12	liquidity	liquidity	NOUN
easat-2128	471	13	creation	creation	NOUN
easat-2128	471	14	,	,	PUNCT
easat-2128	471	15	”	"	PUNCT
easat-2128	471	16	j.	j.	PROPN
easat-2128	471	17	financ	financ	PROPN
easat-2128	471	18	.	.	PUNCT
easat-2128	472	1	intermediation	intermediation	NOUN
easat-2128	472	2	,	,	PUNCT
easat-2128	472	3	vol	vol	NOUN
easat-2128	472	4	.	.	PROPN
easat-2128	473	1	53	53	NUM
easat-2128	473	2	,	,	PUNCT
easat-2128	473	3	no	no	INTJ
easat-2128	473	4	.	.	PUNCT
easat-2128	474	1	september	september	PROPN
easat-2128	474	2	2022	2022	NUM
easat-2128	474	3	,	,	PUNCT
easat-2128	474	4	p.	p.	NOUN
easat-2128	474	5	100996	100996	NUM
easat-2128	474	6	,	,	PUNCT
easat-2128	474	7	2023	2023	NUM
easat-2128	474	8	,	,	PUNCT
easat-2128	474	9	doi	doi	NOUN
easat-2128	474	10	:	:	PUNCT
easat-2128	474	11	10.1016	10.1016	NUM
easat-2128	474	12	/	/	SYM
easat-2128	474	13	j.jfi.2022.100996	j.jfi.2022.100996	PROPN
easat-2128	474	14	.	.	PUNCT
easat-2128	475	1	[	[	X
easat-2128	475	2	44	44	NUM
easat-2128	475	3	]	]	PUNCT
easat-2128	475	4	v.	v.	X
easat-2128	475	5	d.	d.	PROPN
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easat-2128	475	7	,	,	PUNCT
easat-2128	475	8	“	"	PUNCT
easat-2128	475	9	the	the	DET
easat-2128	475	10	risk	risk	NOUN
easat-2128	475	11	-	-	PUNCT
easat-2128	475	12	return	return	NOUN
easat-2128	475	13	trade	trade	NOUN
easat-2128	475	14	-	-	PUNCT
easat-2128	475	15	off	off	NOUN
easat-2128	475	16	of	of	ADP
easat-2128	475	17	liquidity	liquidity	NOUN
easat-2128	475	18	positions	position	NOUN
easat-2128	475	19	:	:	PUNCT
easat-2128	475	20	evidence	evidence	NOUN
easat-2128	475	21	from	from	ADP
easat-2128	475	22	vietnamese	vietnamese	ADJ
easat-2128	475	23	banking	banking	NOUN
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easat-2128	475	25	,	,	PUNCT
easat-2128	475	26	”	"	PUNCT
easat-2128	475	27	int	int	NOUN
easat-2128	475	28	.	.	PUNCT
easat-2128	476	1	j.	j.	PROPN
easat-2128	476	2	monet	monet	PROPN
easat-2128	476	3	.	.	PUNCT
easat-2128	477	1	econ	econ	PROPN
easat-2128	477	2	.	.	PUNCT
easat-2128	477	3	financ	financ	PROPN
easat-2128	477	4	.	.	PUNCT
easat-2128	477	5	,	,	PUNCT
easat-2128	477	6	vol	vol	NOUN
easat-2128	477	7	.	.	PROPN
easat-2128	477	8	12	12	NUM
easat-2128	477	9	,	,	PUNCT
easat-2128	477	10	no	no	INTJ
easat-2128	477	11	.	.	NOUN
easat-2128	477	12	5	5	NUM
easat-2128	477	13	,	,	PUNCT
easat-2128	477	14	pp	pp	ADJ
easat-2128	477	15	.	.	PUNCT
easat-2128	478	1	390–406	390–406	NUM
easat-2128	478	2	,	,	PUNCT
easat-2128	478	3	2019	2019	NUM
easat-2128	478	4	,	,	PUNCT
easat-2128	478	5	doi	doi	NOUN
easat-2128	478	6	:	:	PUNCT
easat-2128	478	7	10.1504	10.1504	NUM
easat-2128	478	8	/	/	SYM
easat-2128	478	9	ijmef.2019.102954	ijmef.2019.102954	NOUN
easat-2128	478	10	.	.	PUNCT
easat-2128	479	1	[	[	X
easat-2128	479	2	45	45	NUM
easat-2128	479	3	]	]	PUNCT
easat-2128	479	4	b.	b.	PROPN
easat-2128	479	5	abuzayed	abuzaye	VERB
easat-2128	479	6	,	,	PUNCT
easat-2128	479	7	n.	n.	PROPN
easat-2128	479	8	al	al	PROPN
easat-2128	479	9	-	-	PROPN
easat-2128	479	10	fayoumi	fayoumi	PROPN
easat-2128	479	11	,	,	PUNCT
easat-2128	479	12	and	and	CCONJ
easat-2128	479	13	p.	p.	PROPN
easat-2128	479	14	molyneux	molyneux	PROPN
easat-2128	479	15	,	,	PUNCT
easat-2128	479	16	“	"	PUNCT
easat-2128	479	17	diversification	diversification	NOUN
easat-2128	479	18	and	and	CCONJ
easat-2128	479	19	bank	bank	NOUN
easat-2128	479	20	stability	stability	NOUN
easat-2128	479	21	in	in	ADP
easat-2128	479	22	the	the	DET
easat-2128	479	23	gcc	gcc	NOUN
easat-2128	479	24	,	,	PUNCT
easat-2128	479	25	”	"	PUNCT
easat-2128	479	26	j.	j.	PROPN
easat-2128	479	27	int	int	PROPN
easat-2128	479	28	.	.	PUNCT
easat-2128	480	1	financ	financ	PROPN
easat-2128	480	2	.	.	PUNCT
easat-2128	481	1	mark	mark	PROPN
easat-2128	481	2	.	.	PUNCT
easat-2128	482	1	institutions	institution	NOUN
easat-2128	482	2	money	money	NOUN
easat-2128	482	3	,	,	PUNCT
easat-2128	482	4	vol	vol	NOUN
easat-2128	482	5	.	.	PROPN
easat-2128	482	6	57	57	NUM
easat-2128	482	7	,	,	PUNCT
easat-2128	482	8	pp	pp	ADJ
easat-2128	482	9	.	.	PUNCT
easat-2128	483	1	17–43	17–43	NUM
easat-2128	483	2	,	,	PUNCT
easat-2128	483	3	2018	2018	NUM
easat-2128	483	4	,	,	PUNCT
easat-2128	483	5	doi	doi	NOUN
easat-2128	483	6	:	:	PUNCT
easat-2128	483	7	10.1016	10.1016	NUM
easat-2128	483	8	/	/	SYM
easat-2128	483	9	j.intfin.2018.04.005	j.intfin.2018.04.005	PROPN
easat-2128	483	10	.	.	PUNCT
easat-2128	484	1	[	[	X
easat-2128	484	2	46	46	NUM
easat-2128	484	3	]	]	X
easat-2128	484	4	s.	s.	PROPN
easat-2128	484	5	baek	baek	PROPN
easat-2128	484	6	,	,	PUNCT
easat-2128	484	7	k.	k.	PROPN
easat-2128	484	8	y.	y.	PROPN
easat-2128	484	9	lee	lee	PROPN
easat-2128	484	10	,	,	PUNCT
easat-2128	484	11	j.	j.	PROPN
easat-2128	484	12	w.	w.	PROPN
easat-2128	484	13	lee	lee	PROPN
easat-2128	484	14	,	,	PUNCT
easat-2128	484	15	and	and	CCONJ
easat-2128	484	16	s.	s.	PROPN
easat-2128	484	17	mohanty	mohanty	PROPN
easat-2128	484	18	,	,	PUNCT
easat-2128	484	19	“	"	PUNCT
easat-2128	484	20	diversification	diversification	NOUN
easat-2128	484	21	in	in	ADP
easat-2128	484	22	korean	korean	ADJ
easat-2128	484	23	banking	banking	NOUN
easat-2128	484	24	business	business	NOUN
easat-2128	484	25	:	:	PUNCT
easat-2128	484	26	is	be	AUX
easat-2128	484	27	non	non	ADJ
easat-2128	484	28	-	-	ADJ
easat-2128	484	29	interest	interest	ADJ
easat-2128	484	30	income	income	NOUN
easat-2128	484	31	a	a	DET
easat-2128	484	32	financial	financial	ADJ
easat-2128	484	33	saviour	saviour	NOUN
easat-2128	484	34	?	?	PUNCT
easat-2128	484	35	,	,	PUNCT
easat-2128	484	36	”	"	PUNCT
easat-2128	484	37	j.	j.	PROPN
easat-2128	484	38	emerg	emerg	PROPN
easat-2128	484	39	.	.	PUNCT
easat-2128	485	1	mark	mark	PROPN
easat-2128	485	2	.	.	PUNCT
easat-2128	486	1	financ	financ	PROPN
easat-2128	486	2	.	.	PUNCT
easat-2128	486	3	,	,	PUNCT
easat-2128	486	4	vol	vol	NOUN
easat-2128	486	5	.	.	PROPN
easat-2128	486	6	17	17	NUM
easat-2128	486	7	,	,	PUNCT
easat-2128	486	8	no	no	INTJ
easat-2128	486	9	.	.	PUNCT
easat-2128	487	1	3_suppl	3_suppl	NUM
easat-2128	487	2	,	,	PUNCT
easat-2128	487	3	pp	pp	ADJ
easat-2128	487	4	.	.	PUNCT
easat-2128	488	1	s299	s299	PROPN
easat-2128	488	2	–	–	PUNCT
easat-2128	488	3	s326	s326	NUM
easat-2128	488	4	,	,	PUNCT
easat-2128	488	5	2018	2018	NUM
easat-2128	488	6	,	,	PUNCT
easat-2128	488	7	doi	doi	NOUN
easat-2128	488	8	:	:	PUNCT
easat-2128	488	9	10.1177/0972652718798079	10.1177/0972652718798079	NUM
easat-2128	488	10	.	.	PUNCT
easat-2128	489	1	[	[	X
easat-2128	489	2	47	47	NUM
easat-2128	489	3	]	]	X
easat-2128	489	4	n.	n.	PROPN
easat-2128	489	5	chen	chen	PROPN
easat-2128	489	6	,	,	PUNCT
easat-2128	489	7	h.	h.	PROPN
easat-2128	489	8	y.	y.	PROPN
easat-2128	489	9	liang	liang	PROPN
easat-2128	489	10	,	,	PUNCT
easat-2128	489	11	and	and	CCONJ
easat-2128	489	12	m.	m.	NOUN
easat-2128	489	13	t.	t.	PROPN
easat-2128	489	14	yu	yu	PROPN
easat-2128	489	15	,	,	PUNCT
easat-2128	489	16	“	"	PUNCT
easat-2128	489	17	asset	asset	NOUN
easat-2128	489	18	diversification	diversification	NOUN
easat-2128	489	19	and	and	CCONJ
easat-2128	489	20	bank	bank	NOUN
easat-2128	489	21	performance	performance	NOUN
easat-2128	489	22	:	:	PUNCT
easat-2128	489	23	evidence	evidence	NOUN
easat-2128	489	24	from	from	ADP
easat-2128	489	25	three	three	NUM
easat-2128	489	26	asian	asian	ADJ
easat-2128	489	27	countries	country	NOUN
easat-2128	489	28	with	with	ADP
easat-2128	489	29	a	a	DET
easat-2128	489	30	dual	dual	ADJ
easat-2128	489	31	banking	banking	NOUN
easat-2128	489	32	system	system	NOUN
easat-2128	489	33	,	,	PUNCT
easat-2128	489	34	”	"	PUNCT
easat-2128	489	35	pacific	pacific	PROPN
easat-2128	489	36	basin	basin	PROPN
easat-2128	489	37	financ	financ	PROPN
easat-2128	489	38	.	.	PUNCT
easat-2128	490	1	j.	j.	PROPN
easat-2128	490	2	,	,	PUNCT
easat-2128	490	3	vol	vol	NOUN
easat-2128	490	4	.	.	PROPN
easat-2128	490	5	52	52	NUM
easat-2128	490	6	,	,	PUNCT
easat-2128	490	7	no	no	INTJ
easat-2128	490	8	.	.	PUNCT
easat-2128	491	1	may	may	AUX
easat-2128	491	2	2019	2019	NUM
easat-2128	491	3	,	,	PUNCT
easat-2128	491	4	pp	pp	ADJ
easat-2128	491	5	.	.	PUNCT
easat-2128	492	1	40–53	40–53	NUM
easat-2128	492	2	,	,	PUNCT
easat-2128	492	3	2018	2018	NUM
easat-2128	492	4	,	,	PUNCT
easat-2128	492	5	doi	doi	NOUN
easat-2128	492	6	:	:	PUNCT
easat-2128	492	7	10.1016	10.1016	NUM
easat-2128	492	8	/	/	SYM
easat-2128	492	9	j.pacfin.2018.02.007	j.pacfin.2018.02.007	PROPN
easat-2128	492	10	.	.	PUNCT
easat-2128	493	1	[	[	X
easat-2128	493	2	48	48	NUM
easat-2128	493	3	]	]	PUNCT
easat-2128	493	4	a.	a.	NOUN
easat-2128	493	5	paltrinieri	paltrinieri	PROPN
easat-2128	493	6	,	,	PUNCT
easat-2128	493	7	a.	a.	PROPN
easat-2128	493	8	dreassi	dreassi	PROPN
easat-2128	493	9	,	,	PUNCT
easat-2128	493	10	s.	s.	PROPN
easat-2128	493	11	rossi	rossi	PROPN
easat-2128	493	12	,	,	PUNCT
easat-2128	493	13	and	and	CCONJ
easat-2128	493	14	a.	a.	PROPN
easat-2128	493	15	khan	khan	PROPN
easat-2128	493	16	,	,	PUNCT
easat-2128	493	17	“	"	PUNCT
easat-2128	493	18	risk	risk	NOUN
easat-2128	493	19	-	-	PUNCT
easat-2128	493	20	adjusted	adjust	VERB
easat-2128	493	21	profitability	profitability	NOUN
easat-2128	493	22	and	and	CCONJ
easat-2128	493	23	stability	stability	NOUN
easat-2128	493	24	of	of	ADP
easat-2128	493	25	islamic	islamic	ADJ
easat-2128	493	26	and	and	CCONJ
easat-2128	493	27	conventional	conventional	ADJ
easat-2128	493	28	banks	bank	NOUN
easat-2128	493	29	:	:	PUNCT
easat-2128	493	30	does	do	AUX
easat-2128	493	31	revenue	revenue	NOUN
easat-2128	493	32	diversification	diversification	NOUN
easat-2128	493	33	matter	matter	NOUN
easat-2128	493	34	?	?	PUNCT
easat-2128	493	35	,	,	PUNCT
easat-2128	493	36	”	"	PUNCT
easat-2128	493	37	glob	glob	PROPN
easat-2128	493	38	.	.	PUNCT
easat-2128	493	39	financ	financ	PROPN
easat-2128	493	40	.	.	PUNCT
easat-2128	494	1	j.	j.	PROPN
easat-2128	494	2	,	,	PUNCT
easat-2128	494	3	p.	p.	NOUN
easat-2128	494	4	100517	100517	NUM
easat-2128	494	5	,	,	PUNCT
easat-2128	494	6	2020	2020	NUM
easat-2128	494	7	,	,	PUNCT
easat-2128	494	8	doi	doi	NOUN
easat-2128	494	9	:	:	PUNCT
easat-2128	494	10	10.1016	10.1016	NUM
easat-2128	494	11	/	/	SYM
easat-2128	494	12	j.gfj.2020.100517	j.gfj.2020.100517	PROPN
easat-2128	494	13	.	.	PUNCT
easat-2128	495	1	[	[	X
easat-2128	495	2	49	49	NUM
easat-2128	495	3	]	]	PUNCT
easat-2128	495	4	k.	k.	PROPN
easat-2128	496	1	c.	c.	PROPN
easat-2128	496	2	t.	t.	PROPN
easat-2128	496	3	duho	duho	PROPN
easat-2128	496	4	,	,	PUNCT
easat-2128	496	5	j.	j.	PROPN
easat-2128	496	6	m.	m.	PROPN
easat-2128	496	7	onumah	onumah	PROPN
easat-2128	496	8	,	,	PUNCT
easat-2128	496	9	and	and	CCONJ
easat-2128	496	10	r.	r.	PROPN
easat-2128	496	11	a.	a.	PROPN
easat-2128	496	12	owodo	owodo	PROPN
easat-2128	496	13	,	,	PUNCT
easat-2128	496	14	“	"	PUNCT
easat-2128	496	15	bank	bank	NOUN
easat-2128	496	16	diversification	diversification	NOUN
easat-2128	496	17	and	and	CCONJ
easat-2128	496	18	performance	performance	NOUN
easat-2128	496	19	in	in	ADP
easat-2128	496	20	an	an	DET
easat-2128	496	21	emerging	emerge	VERB
easat-2128	496	22	market	market	NOUN
easat-2128	496	23	,	,	PUNCT
easat-2128	496	24	”	"	PUNCT
easat-2128	496	25	int	int	NOUN
easat-2128	496	26	.	.	PUNCT
easat-2128	497	1	j.	j.	PROPN
easat-2128	497	2	manag	manag	PROPN
easat-2128	497	3	.	.	PUNCT
easat-2128	498	1	financ	financ	PROPN
easat-2128	498	2	.	.	PUNCT
easat-2128	498	3	,	,	PUNCT
easat-2128	498	4	vol	vol	NOUN
easat-2128	498	5	.	.	PROPN
easat-2128	499	1	16	16	NUM
easat-2128	499	2	,	,	PUNCT
easat-2128	499	3	no	no	INTJ
easat-2128	499	4	.	.	NOUN
easat-2128	499	5	1	1	NUM
easat-2128	499	6	,	,	PUNCT
easat-2128	499	7	pp	pp	ADJ
easat-2128	499	8	.	.	PUNCT
easat-2128	500	1	120–138	120–138	NUM
easat-2128	500	2	,	,	PUNCT
easat-2128	500	3	2020	2020	NUM
easat-2128	500	4	,	,	PUNCT
easat-2128	500	5	doi	doi	NOUN
easat-2128	500	6	:	:	PUNCT
easat-2128	500	7	10.1108	10.1108	NUM
easat-2128	500	8	/	/	SYM
easat-2128	500	9	ijmf-04	ijmf-04	PROPN
easat-2128	500	10	-	-	PUNCT
easat-2128	500	11	2019	2019	NUM
easat-2128	500	12	-	-	PUNCT
easat-2128	500	13	0137	0137	NUM
easat-2128	500	14	.	.	PUNCT
easat-2128	501	1	[	[	X
easat-2128	501	2	50	50	NUM
easat-2128	501	3	]	]	PUNCT
easat-2128	501	4	t.	t.	PROPN
easat-2128	501	5	t.	t.	PROPN
easat-2128	501	6	h.	h.	PROPN
easat-2128	501	7	phan	phan	PROPN
easat-2128	501	8	,	,	PUNCT
easat-2128	501	9	a.	a.	NOUN
easat-2128	501	10	h.	h.	PROPN
easat-2128	501	11	t.	t.	PROPN
easat-2128	501	12	pham	pham	PROPN
easat-2128	501	13	,	,	PUNCT
easat-2128	501	14	h.	h.	PROPN
easat-2128	501	15	a.	a.	PROPN
easat-2128	501	16	le	le	PROPN
easat-2128	501	17	,	,	PUNCT
easat-2128	501	18	and	and	CCONJ
easat-2128	501	19	t.	t.	PROPN
easat-2128	501	20	b.	b.	PROPN
easat-2128	501	21	n.	n.	PROPN
easat-2128	501	22	lam	lam	PROPN
easat-2128	501	23	,	,	PUNCT
easat-2128	501	24	“	"	PUNCT
easat-2128	501	25	the	the	DET
easat-2128	501	26	impact	impact	NOUN
easat-2128	501	27	of	of	ADP
easat-2128	501	28	non	non	ADJ
easat-2128	501	29	-	-	ADJ
easat-2128	501	30	interest	interest	ADJ
easat-2128	501	31	income	income	NOUN
easat-2128	501	32	on	on	ADP
easat-2128	501	33	the	the	DET
easat-2128	501	34	performance	performance	NOUN
easat-2128	501	35	of	of	ADP
easat-2128	501	36	commercial	commercial	ADJ
easat-2128	501	37	banks	bank	NOUN
easat-2128	501	38	in	in	ADP
easat-2128	501	39	the	the	DET
easat-2128	501	40	asean	asean	ADJ
easat-2128	501	41	region	region	NOUN
easat-2128	501	42	,	,	PUNCT
easat-2128	501	43	”	"	PUNCT
easat-2128	501	44	j.	j.	PROPN
easat-2128	501	45	risk	risk	PROPN
easat-2128	501	46	financ	financ	PROPN
easat-2128	501	47	.	.	PUNCT
easat-2128	502	1	manag	manag	PROPN
easat-2128	502	2	.	.	PROPN
easat-2128	502	3	,	,	PUNCT
easat-2128	502	4	vol	vol	NOUN
easat-2128	502	5	.	.	PROPN
easat-2128	503	1	16	16	NUM
easat-2128	503	2	,	,	PUNCT
easat-2128	503	3	no	no	INTJ
easat-2128	503	4	.	.	NOUN
easat-2128	503	5	1	1	NUM
easat-2128	503	6	,	,	PUNCT
easat-2128	503	7	2023	2023	NUM
easat-2128	503	8	,	,	PUNCT
easat-2128	503	9	doi	doi	NOUN
easat-2128	503	10	:	:	PUNCT
easat-2128	503	11	10.3390	10.3390	NUM
easat-2128	503	12	/	/	SYM
easat-2128	503	13	jrfm16010018	jrfm16010018	PROPN
easat-2128	503	14	.	.	PUNCT
easat-2128	504	1	570	570	NUM
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easat-2128	504	5	and	and	CCONJ
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easat-2128	504	7	issn	issn	PROPN
easat-2128	504	8	:	:	PUNCT
easat-2128	504	9	2576	2576	NUM
easat-2128	504	10	-	-	SYM
easat-2128	504	11	8484	8484	NUM
easat-2128	504	12	vol	vol	NOUN
easat-2128	504	13	.	.	PROPN
easat-2128	504	14	8	8	NUM
easat-2128	504	15	,	,	PUNCT
easat-2128	504	16	no	no	INTJ
easat-2128	504	17	.	.	NOUN
easat-2128	505	1	6	6	NUM
easat-2128	505	2	:	:	SYM
easat-2128	505	3	559	559	NUM
easat-2128	505	4	-	-	SYM
easat-2128	505	5	571	571	NUM
easat-2128	505	6	,	,	PUNCT
easat-2128	505	7	2024	2024	NUM
easat-2128	505	8	doi	doi	NOUN
easat-2128	505	9	:	:	PUNCT
easat-2128	505	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	505	11	©	©	PROPN
easat-2128	505	12	2024	2024	NUM
easat-2128	505	13	by	by	ADP
easat-2128	505	14	the	the	DET
easat-2128	505	15	authors	author	NOUN
easat-2128	505	16	;	;	PUNCT
easat-2128	505	17	licensee	licensee	PROPN
easat-2128	505	18	learning	learning	NOUN
easat-2128	505	19	gate	gate	NOUN
easat-2128	505	20	[	[	X
easat-2128	505	21	51	51	NUM
easat-2128	505	22	]	]	PUNCT
easat-2128	505	23	s.	s.	PROPN
easat-2128	505	24	asadi	asadi	PROPN
easat-2128	505	25	,	,	PUNCT
easat-2128	505	26	m.	m.	NOUN
easat-2128	505	27	nilashi	nilashi	PROPN
easat-2128	505	28	,	,	PUNCT
easat-2128	505	29	a.	a.	PROPN
easat-2128	505	30	r.	r.	PROPN
easat-2128	505	31	c.	c.	PROPN
easat-2128	505	32	husin	husin	PROPN
easat-2128	505	33	,	,	PUNCT
easat-2128	505	34	and	and	CCONJ
easat-2128	505	35	e.	e.	PROPN
easat-2128	505	36	yadegaridehkordi	yadegaridehkordi	PROPN
easat-2128	505	37	,	,	PUNCT
easat-2128	505	38	“	"	PUNCT
easat-2128	505	39	customers	customer	NOUN
easat-2128	505	40	perspectives	perspective	NOUN
easat-2128	505	41	on	on	ADP
easat-2128	505	42	adoption	adoption	NOUN
easat-2128	505	43	of	of	ADP
easat-2128	505	44	cloud	cloud	NOUN
easat-2128	505	45	computing	computing	NOUN
easat-2128	505	46	in	in	ADP
easat-2128	505	47	banking	banking	NOUN
easat-2128	505	48	sector	sector	NOUN
easat-2128	505	49	,	,	PUNCT
easat-2128	505	50	”	"	PUNCT
easat-2128	505	51	inf	inf	NOUN
easat-2128	505	52	.	.	PUNCT
easat-2128	505	53	technol	technol	PROPN
easat-2128	505	54	.	.	PROPN
easat-2128	505	55	manag	manag	PROPN
easat-2128	505	56	.	.	PUNCT
easat-2128	505	57	,	,	PUNCT
easat-2128	505	58	vol	vol	NOUN
easat-2128	505	59	.	.	PROPN
easat-2128	505	60	18	18	NUM
easat-2128	505	61	,	,	PUNCT
easat-2128	505	62	no	no	INTJ
easat-2128	505	63	.	.	NOUN
easat-2128	505	64	4	4	NUM
easat-2128	505	65	,	,	PUNCT
easat-2128	505	66	pp	pp	ADJ
easat-2128	505	67	.	.	PUNCT
easat-2128	506	1	305–330	305–330	NUM
easat-2128	506	2	,	,	PUNCT
easat-2128	506	3	2017	2017	NUM
easat-2128	506	4	,	,	PUNCT
easat-2128	506	5	doi	doi	NOUN
easat-2128	506	6	:	:	PUNCT
easat-2128	506	7	10.1007	10.1007	NUM
easat-2128	506	8	/	/	SYM
easat-2128	506	9	s10799	s10799	NUM
easat-2128	506	10	-	-	PUNCT
easat-2128	506	11	016	016	NUM
easat-2128	506	12	-	-	PUNCT
easat-2128	506	13	02708	02708	NUM
easat-2128	506	14	.	.	PUNCT
easat-2128	507	1	[	[	X
easat-2128	507	2	52	52	NUM
easat-2128	507	3	]	]	PUNCT
easat-2128	507	4	a.	a.	NOUN
easat-2128	507	5	pérez	pérez	NOUN
easat-2128	507	6	-	-	PUNCT
easat-2128	507	7	martín	martín	NOUN
easat-2128	507	8	,	,	PUNCT
easat-2128	507	9	a.	a.	NOUN
easat-2128	507	10	pérez	pérez	NOUN
easat-2128	507	11	-	-	PUNCT
easat-2128	507	12	torregrosa	torregrosa	NOUN
easat-2128	507	13	,	,	PUNCT
easat-2128	507	14	and	and	CCONJ
easat-2128	507	15	m.	m.	NOUN
easat-2128	507	16	vaca	vaca	PROPN
easat-2128	507	17	,	,	PUNCT
easat-2128	507	18	“	"	PUNCT
easat-2128	507	19	big	big	ADJ
easat-2128	507	20	data	data	NOUN
easat-2128	507	21	techniques	technique	NOUN
easat-2128	507	22	to	to	PART
easat-2128	507	23	measure	measure	VERB
easat-2128	507	24	credit	credit	NOUN
easat-2128	507	25	banking	banking	NOUN
easat-2128	507	26	risk	risk	NOUN
easat-2128	507	27	in	in	ADP
easat-2128	507	28	home	home	NOUN
easat-2128	507	29	equity	equity	NOUN
easat-2128	507	30	loans	loan	NOUN
easat-2128	507	31	,	,	PUNCT
easat-2128	507	32	”	"	PUNCT
easat-2128	507	33	j.	j.	PROPN
easat-2128	507	34	bus	bus	PROPN
easat-2128	507	35	.	.	PUNCT
easat-2128	508	1	res	re	NOUN
easat-2128	508	2	.	.	PROPN
easat-2128	508	3	,	,	PUNCT
easat-2128	508	4	vol	vol	NOUN
easat-2128	508	5	.	.	PROPN
easat-2128	508	6	89	89	NUM
easat-2128	508	7	,	,	PUNCT
easat-2128	508	8	no	no	INTJ
easat-2128	508	9	.	.	PUNCT
easat-2128	509	1	june	june	PROPN
easat-2128	509	2	2017	2017	NUM
easat-2128	509	3	,	,	PUNCT
easat-2128	509	4	pp	pp	ADJ
easat-2128	509	5	.	.	PUNCT
easat-2128	510	1	448–454	448–454	NUM
easat-2128	510	2	,	,	PUNCT
easat-2128	510	3	2018	2018	NUM
easat-2128	510	4	,	,	PUNCT
easat-2128	510	5	doi	doi	NOUN
easat-2128	510	6	:	:	PUNCT
easat-2128	510	7	10.1016	10.1016	NUM
easat-2128	510	8	/	/	SYM
easat-2128	510	9	j.jbusres.2018.02.008	j.jbusres.2018.02.008	PROPN
easat-2128	510	10	.	.	PUNCT
easat-2128	511	1	[	[	X
easat-2128	511	2	53	53	NUM
easat-2128	511	3	]	]	X
easat-2128	511	4	n.	n.	PROPN
easat-2128	511	5	bureshaid	bureshaid	PROPN
easat-2128	511	6	,	,	PUNCT
easat-2128	511	7	k.	k.	PROPN
easat-2128	511	8	lu	lu	PROPN
easat-2128	511	9	,	,	PUNCT
easat-2128	511	10	and	and	CCONJ
easat-2128	511	11	a.	a.	PROPN
easat-2128	511	12	sarea	sarea	PROPN
easat-2128	511	13	,	,	PUNCT
easat-2128	511	14	“	"	PUNCT
easat-2128	511	15	adoption	adoption	NOUN
easat-2128	511	16	of	of	ADP
easat-2128	511	17	fintech	fintech	NOUN
easat-2128	511	18	services	service	NOUN
easat-2128	511	19	in	in	ADP
easat-2128	511	20	the	the	DET
easat-2128	511	21	banking	banking	NOUN
easat-2128	511	22	industry	industry	NOUN
easat-2128	511	23	,	,	PUNCT
easat-2128	511	24	”	"	PUNCT
easat-2128	511	25	stud	stud	NOUN
easat-2128	511	26	.	.	PUNCT
easat-2128	512	1	comput	comput	NOUN
easat-2128	512	2	.	.	PUNCT
easat-2128	513	1	intell	intell	PROPN
easat-2128	513	2	.	.	PUNCT
easat-2128	514	1	,	,	PUNCT
easat-2128	514	2	vol	vol	NOUN
easat-2128	514	3	.	.	PROPN
easat-2128	515	1	954	954	NUM
easat-2128	515	2	,	,	PUNCT
easat-2128	515	3	no	no	INTJ
easat-2128	515	4	.	.	PUNCT
easat-2128	516	1	february	february	PROPN
easat-2128	516	2	,	,	PUNCT
easat-2128	516	3	pp	pp	ADP
easat-2128	516	4	.	.	PUNCT
easat-2128	517	1	125–138	125–138	NUM
easat-2128	517	2	,	,	PUNCT
easat-2128	517	3	2021	2021	NUM
easat-2128	517	4	,	,	PUNCT
easat-2128	517	5	doi	doi	NOUN
easat-2128	517	6	:	:	PUNCT
easat-2128	517	7	10.1007/978	10.1007/978	NUM
easat-2128	517	8	-	-	SYM
easat-2128	517	9	3	3	NUM
easat-2128	517	10	-	-	PUNCT
easat-2128	517	11	030	030	NUM
easat-2128	517	12	-	-	PUNCT
easat-2128	517	13	72080	72080	NUM
easat-2128	517	14	-	-	PUNCT
easat-2128	517	15	3_7	3_7	NUM
easat-2128	517	16	.	.	PUNCT
easat-2128	518	1	[	[	X
easat-2128	518	2	54	54	NUM
easat-2128	518	3	]	]	PUNCT
easat-2128	518	4	j.	j.	PROPN
easat-2128	518	5	c.	c.	PROPN
easat-2128	518	6	ho	ho	PROPN
easat-2128	518	7	,	,	PUNCT
easat-2128	518	8	c.	c.	PROPN
easat-2128	518	9	g.	g.	PROPN
easat-2128	518	10	wu	wu	PROPN
easat-2128	518	11	,	,	PUNCT
easat-2128	518	12	c.	c.	PROPN
easat-2128	518	13	s.	s.	PROPN
easat-2128	518	14	lee	lee	PROPN
easat-2128	518	15	,	,	PUNCT
easat-2128	518	16	and	and	CCONJ
easat-2128	518	17	t.	t.	PROPN
easat-2128	518	18	t.	t.	PROPN
easat-2128	518	19	t.	t.	PROPN
easat-2128	518	20	pham	pham	PROPN
easat-2128	518	21	,	,	PUNCT
easat-2128	518	22	“	"	PUNCT
easat-2128	518	23	factors	factor	NOUN
easat-2128	518	24	affecting	affect	VERB
easat-2128	518	25	the	the	DET
easat-2128	518	26	behavioral	behavioral	ADJ
easat-2128	518	27	intention	intention	NOUN
easat-2128	518	28	to	to	PART
easat-2128	518	29	adopt	adopt	VERB
easat-2128	518	30	mobile	mobile	ADJ
easat-2128	518	31	banking	banking	NOUN
easat-2128	518	32	:	:	PUNCT
easat-2128	518	33	an	an	DET
easat-2128	518	34	international	international	ADJ
easat-2128	518	35	comparison	comparison	NOUN
easat-2128	518	36	,	,	PUNCT
easat-2128	518	37	”	"	PUNCT
easat-2128	518	38	technol	technol	NOUN
easat-2128	518	39	.	.	PUNCT
easat-2128	518	40	soc	soc	PROPN
easat-2128	518	41	.	.	PUNCT
easat-2128	518	42	,	,	PUNCT
easat-2128	518	43	vol	vol	NOUN
easat-2128	518	44	.	.	PROPN
easat-2128	518	45	63	63	NUM
easat-2128	518	46	,	,	PUNCT
easat-2128	518	47	no	no	INTJ
easat-2128	518	48	.	.	PUNCT
easat-2128	519	1	december	december	PROPN
easat-2128	519	2	2019	2019	NUM
easat-2128	519	3	,	,	PUNCT
easat-2128	519	4	p.	p.	NOUN
easat-2128	519	5	101360	101360	NUM
easat-2128	519	6	,	,	PUNCT
easat-2128	519	7	2020	2020	NUM
easat-2128	519	8	,	,	PUNCT
easat-2128	519	9	doi	doi	NOUN
easat-2128	519	10	:	:	PUNCT
easat-2128	519	11	10.1016	10.1016	NUM
easat-2128	519	12	/	/	SYM
easat-2128	519	13	j.techsoc.2020.101360	j.techsoc.2020.101360	NOUN
easat-2128	519	14	.	.	PUNCT
easat-2128	520	1	[	[	X
easat-2128	520	2	55	55	NUM
easat-2128	520	3	]	]	PUNCT
easat-2128	520	4	w.	w.	PROPN
easat-2128	520	5	l.	l.	PROPN
easat-2128	520	6	harris	harris	PROPN
easat-2128	520	7	and	and	CCONJ
easat-2128	520	8	j.	j.	PROPN
easat-2128	520	9	wonglimpiyarat	wonglimpiyarat	PROPN
easat-2128	520	10	,	,	PUNCT
easat-2128	520	11	“	"	PUNCT
easat-2128	520	12	blockchain	blockchain	PROPN
easat-2128	520	13	platform	platform	PROPN
easat-2128	520	14	and	and	CCONJ
easat-2128	520	15	future	future	ADJ
easat-2128	520	16	bank	bank	NOUN
easat-2128	520	17	competition	competition	NOUN
easat-2128	520	18	,	,	PUNCT
easat-2128	520	19	”	"	PUNCT
easat-2128	520	20	foresight	foresight	NOUN
easat-2128	520	21	,	,	PUNCT
easat-2128	520	22	vol	vol	NOUN
easat-2128	520	23	.	.	PROPN
easat-2128	520	24	21	21	NUM
easat-2128	520	25	,	,	PUNCT
easat-2128	520	26	no	no	INTJ
easat-2128	520	27	.	.	NOUN
easat-2128	520	28	6	6	NUM
easat-2128	520	29	,	,	PUNCT
easat-2128	520	30	pp	pp	ADJ
easat-2128	520	31	.	.	PUNCT
easat-2128	521	1	625–639	625–639	NUM
easat-2128	521	2	,	,	PUNCT
easat-2128	521	3	2019	2019	NUM
easat-2128	521	4	,	,	PUNCT
easat-2128	521	5	doi	doi	NOUN
easat-2128	521	6	:	:	PUNCT
easat-2128	521	7	10.1108	10.1108	NUM
easat-2128	521	8	/	/	SYM
easat-2128	521	9	fs-12	fs-12	NOUN
easat-2128	521	10	-	-	PUNCT
easat-2128	521	11	2018	2018	NUM
easat-2128	521	12	-	-	PUNCT
easat-2128	521	13	0113	0113	NUM
easat-2128	521	14	.	.	PUNCT
easat-2128	522	1	[	[	X
easat-2128	522	2	56	56	NUM
easat-2128	522	3	]	]	PUNCT
easat-2128	522	4	m.	m.	NOUN
easat-2128	522	5	hussain	hussain	PROPN
easat-2128	522	6	,	,	PUNCT
easat-2128	522	7	a.	a.	NOUN
easat-2128	522	8	t.	t.	NOUN
easat-2128	522	9	mollik	mollik	PROPN
easat-2128	522	10	,	,	PUNCT
easat-2128	522	11	r.	r.	PROPN
easat-2128	522	12	johns	johns	PROPN
easat-2128	522	13	,	,	PUNCT
easat-2128	522	14	and	and	CCONJ
easat-2128	522	15	m.	m.	PROPN
easat-2128	522	16	s.	s.	PROPN
easat-2128	522	17	rahman	rahman	PROPN
easat-2128	522	18	,	,	PUNCT
easat-2128	522	19	“	"	PUNCT
easat-2128	522	20	m	m	ADJ
easat-2128	522	21	-	-	PUNCT
easat-2128	522	22	payment	payment	NOUN
easat-2128	522	23	adoption	adoption	NOUN
easat-2128	522	24	for	for	ADP
easat-2128	522	25	bottom	bottom	NOUN
easat-2128	522	26	of	of	ADP
easat-2128	522	27	pyramid	pyramid	NOUN
easat-2128	522	28	segment	segment	NOUN
easat-2128	522	29	:	:	PUNCT
easat-2128	522	30	an	an	DET
easat-2128	522	31	empirical	empirical	ADJ
easat-2128	522	32	investigation	investigation	NOUN
easat-2128	522	33	,	,	PUNCT
easat-2128	522	34	”	"	PUNCT
easat-2128	522	35	int	int	NOUN
easat-2128	522	36	.	.	PUNCT
easat-2128	523	1	j.	j.	PROPN
easat-2128	523	2	bank	bank	PROPN
easat-2128	523	3	mark	mark	PROPN
easat-2128	523	4	.	.	PUNCT
easat-2128	524	1	,	,	PUNCT
easat-2128	524	2	vol	vol	NOUN
easat-2128	524	3	.	.	PROPN
easat-2128	525	1	37	37	NUM
easat-2128	525	2	,	,	PUNCT
easat-2128	525	3	no	no	INTJ
easat-2128	525	4	.	.	NOUN
easat-2128	525	5	1	1	NUM
easat-2128	525	6	,	,	PUNCT
easat-2128	525	7	pp	pp	ADJ
easat-2128	525	8	.	.	PUNCT
easat-2128	526	1	362–381	362–381	NUM
easat-2128	526	2	,	,	PUNCT
easat-2128	526	3	2019	2019	NUM
easat-2128	526	4	,	,	PUNCT
easat-2128	526	5	doi	doi	NOUN
easat-2128	526	6	:	:	PUNCT
easat-2128	526	7	10.1108	10.1108	NUM
easat-2128	526	8	/	/	SYM
easat-2128	526	9	ijbm-01	ijbm-01	PROPN
easat-2128	526	10	-	-	PUNCT
easat-2128	526	11	2018	2018	NUM
easat-2128	526	12	-	-	PUNCT
easat-2128	526	13	0013	0013	NUM
easat-2128	526	14	.	.	PUNCT
easat-2128	527	1	[	[	X
easat-2128	527	2	57	57	NUM
easat-2128	527	3	]	]	X
easat-2128	527	4	c.	c.	PROPN
easat-2128	527	5	preciado	preciado	PROPN
easat-2128	527	6	-	-	PUNCT
easat-2128	527	7	ortiz	ortiz	PROPN
easat-2128	527	8	,	,	PUNCT
easat-2128	527	9	a.	a.	NOUN
easat-2128	527	10	gilsanz	gilsanz	PROPN
easat-2128	527	11	lópez	lópez	NOUN
easat-2128	527	12	,	,	PUNCT
easat-2128	527	13	and	and	CCONJ
easat-2128	527	14	j.	j.	PROPN
easat-2128	527	15	vargas	vargas	PROPN
easat-2128	527	16	-	-	PUNCT
easat-2128	527	17	barraza	barraza	PROPN
easat-2128	527	18	,	,	PUNCT
easat-2128	527	19	“	"	PUNCT
easat-2128	527	20	mobile	mobile	ADJ
easat-2128	527	21	banking	banking	NOUN
easat-2128	527	22	adoption	adoption	NOUN
easat-2128	527	23	:	:	PUNCT
easat-2128	527	24	a	a	DET
easat-2128	527	25	bibliometric	bibliometric	ADJ
easat-2128	527	26	analysis	analysis	NOUN
easat-2128	527	27	,	,	PUNCT
easat-2128	527	28	”	"	PUNCT
easat-2128	527	29	rev	rev	X
easat-2128	527	30	.	.	PROPN
easat-2128	527	31	dir	dir	PROPN
easat-2128	527	32	.	.	PUNCT
easat-2128	528	1	y	y	PROPN
easat-2128	528	2	adm	adm	PROPN
easat-2128	528	3	.	.	PUNCT
easat-2128	529	1	empres	empre	NOUN
easat-2128	529	2	.	.	PUNCT
easat-2128	529	3	,	,	PUNCT
easat-2128	529	4	vol	vol	NOUN
easat-2128	529	5	.	.	PROPN
easat-2128	529	6	1	1	NUM
easat-2128	529	7	,	,	PUNCT
easat-2128	529	8	no	no	INTJ
easat-2128	529	9	.	.	NOUN
easat-2128	529	10	25	25	NUM
easat-2128	529	11	,	,	PUNCT
easat-2128	529	12	pp	pp	ADJ
easat-2128	529	13	.	.	PUNCT
easat-2128	530	1	18–31	18–31	NUM
easat-2128	530	2	,	,	PUNCT
easat-2128	530	3	2018	2018	NUM
easat-2128	530	4	.	.	PUNCT
easat-2128	531	1	[	[	X
easat-2128	531	2	58	58	NUM
easat-2128	531	3	]	]	PUNCT
easat-2128	531	4	i.	i.	NOUN
easat-2128	531	5	roussou	roussou	PROPN
easat-2128	531	6	and	and	CCONJ
easat-2128	531	7	e.	e.	PROPN
easat-2128	531	8	stiakakis	stiakakis	PROPN
easat-2128	531	9	,	,	PUNCT
easat-2128	531	10	“	"	PUNCT
easat-2128	531	11	adoption	adoption	NOUN
easat-2128	531	12	of	of	ADP
easat-2128	531	13	digital	digital	ADJ
easat-2128	531	14	currencies	currency	NOUN
easat-2128	531	15	:	:	PUNCT
easat-2128	531	16	the	the	DET
easat-2128	531	17	companies	company	NOUN
easat-2128	531	18	’	’	PART
easat-2128	531	19	perspective	perspective	NOUN
easat-2128	531	20	,	,	PUNCT
easat-2128	531	21	”	"	PUNCT
easat-2128	531	22	springer	springer	NOUN
easat-2128	531	23	proc	proc	NOUN
easat-2128	531	24	.	.	PUNCT
easat-2128	532	1	bus	bus	NOUN
easat-2128	532	2	.	.	PUNCT
easat-2128	533	1	econ	econ	PROPN
easat-2128	533	2	.	.	PUNCT
easat-2128	534	1	,	,	PUNCT
easat-2128	534	2	pp	pp	PROPN
easat-2128	534	3	.	.	PUNCT
easat-2128	535	1	47–64	47–64	NUM
easat-2128	535	2	,	,	PUNCT
easat-2128	535	3	2019	2019	NUM
easat-2128	535	4	,	,	PUNCT
easat-2128	535	5	doi	doi	NOUN
easat-2128	535	6	:	:	PUNCT
easat-2128	535	7	10.1007/978	10.1007/978	NUM
easat-2128	535	8	-	-	SYM
easat-2128	535	9	3	3	NUM
easat-2128	535	10	-	-	NUM
easat-2128	535	11	319	319	NUM
easat-2128	535	12	-	-	PUNCT
easat-2128	535	13	95666	95666	NUM
easat-2128	535	14	-	-	PUNCT
easat-2128	535	15	4_4	4_4	NUM
easat-2128	535	16	.	.	PUNCT
easat-2128	536	1	[	[	X
easat-2128	536	2	59	59	NUM
easat-2128	536	3	]	]	PUNCT
easat-2128	536	4	j.	j.	PROPN
easat-2128	536	5	m.	m.	PROPN
easat-2128	536	6	lee	lee	PROPN
easat-2128	536	7	and	and	CCONJ
easat-2128	536	8	h.	h.	PROPN
easat-2128	536	9	j.	j.	PROPN
easat-2128	536	10	kim	kim	PROPN
easat-2128	536	11	,	,	PUNCT
easat-2128	536	12	“	"	PUNCT
easat-2128	536	13	determinants	determinant	NOUN
easat-2128	536	14	of	of	ADP
easat-2128	536	15	adoption	adoption	NOUN
easat-2128	536	16	and	and	CCONJ
easat-2128	536	17	continuance	continuance	NOUN
easat-2128	536	18	intentions	intention	NOUN
easat-2128	536	19	toward	toward	ADP
easat-2128	536	20	internet	internet	NOUN
easat-2128	536	21	-	-	PUNCT
easat-2128	536	22	only	only	ADJ
easat-2128	536	23	banks	bank	NOUN
easat-2128	536	24	,	,	PUNCT
easat-2128	536	25	”	"	PUNCT
easat-2128	536	26	int	int	NOUN
easat-2128	536	27	.	.	PUNCT
easat-2128	537	1	j.	j.	PROPN
easat-2128	537	2	bank	bank	PROPN
easat-2128	537	3	mark	mark	PROPN
easat-2128	537	4	.	.	PUNCT
easat-2128	538	1	,	,	PUNCT
easat-2128	538	2	vol	vol	NOUN
easat-2128	538	3	.	.	PROPN
easat-2128	539	1	38	38	NUM
easat-2128	539	2	,	,	PUNCT
easat-2128	539	3	no	no	INTJ
easat-2128	539	4	.	.	NOUN
easat-2128	539	5	4	4	NUM
easat-2128	539	6	,	,	PUNCT
easat-2128	539	7	pp	pp	ADJ
easat-2128	539	8	.	.	PUNCT
easat-2128	540	1	843–865	843–865	NUM
easat-2128	540	2	,	,	PUNCT
easat-2128	540	3	2020	2020	NUM
easat-2128	540	4	,	,	PUNCT
easat-2128	540	5	doi	doi	NOUN
easat-2128	540	6	:	:	PUNCT
easat-2128	540	7	10.1108	10.1108	NUM
easat-2128	540	8	/	/	SYM
easat-2128	540	9	ijbm-07	ijbm-07	PROPN
easat-2128	540	10	-	-	PUNCT
easat-2128	540	11	2019	2019	NUM
easat-2128	540	12	-	-	SYM
easat-2128	540	13	0269	0269	NUM
easat-2128	540	14	.	.	PUNCT
easat-2128	541	1	[	[	X
easat-2128	541	2	60	60	NUM
easat-2128	541	3	]	]	X
easat-2128	541	4	c.	c.	PROPN
easat-2128	541	5	chedrawi	chedrawi	PROPN
easat-2128	541	6	,	,	PUNCT
easat-2128	541	7	b.	b.	PROPN
easat-2128	541	8	harb	harb	PROPN
easat-2128	541	9	,	,	PUNCT
easat-2128	541	10	and	and	CCONJ
easat-2128	541	11	m.	m.	NOUN
easat-2128	541	12	saleh	saleh	NOUN
easat-2128	541	13	,	,	PUNCT
easat-2128	541	14	“	"	PUNCT
easat-2128	541	15	the	the	DET
easat-2128	541	16	e	e	NOUN
easat-2128	541	17	-	-	NOUN
easat-2128	541	18	banking	banking	NOUN
easat-2128	541	19	and	and	CCONJ
easat-2128	541	20	the	the	DET
easat-2128	541	21	adoption	adoption	NOUN
easat-2128	541	22	of	of	ADP
easat-2128	541	23	innovations	innovation	NOUN
easat-2128	541	24	from	from	ADP
easat-2128	541	25	the	the	DET
easat-2128	541	26	perspective	perspective	NOUN
easat-2128	541	27	of	of	ADP
easat-2128	541	28	the	the	DET
easat-2128	541	29	transactions	transaction	NOUN
easat-2128	541	30	cost	cost	NOUN
easat-2128	541	31	theory	theory	NOUN
easat-2128	541	32	:	:	PUNCT
easat-2128	541	33	case	case	NOUN
easat-2128	541	34	of	of	ADP
easat-2128	541	35	the	the	DET
easat-2128	541	36	largest	large	ADJ
easat-2128	541	37	commercial	commercial	ADJ
easat-2128	541	38	banks	bank	NOUN
easat-2128	541	39	in	in	ADP
easat-2128	541	40	lebanon	lebanon	PROPN
easat-2128	541	41	,	,	PUNCT
easat-2128	541	42	”	"	PUNCT
easat-2128	541	43	lect	lect	NOUN
easat-2128	541	44	.	.	PUNCT
easat-2128	542	1	notes	note	VERB
easat-2128	543	1	inf	inf	PROPN
easat-2128	543	2	.	.	PUNCT
easat-2128	543	3	syst	syst	PROPN
easat-2128	543	4	.	.	PUNCT
easat-2128	543	5	organ	organ	PROPN
easat-2128	543	6	.	.	PUNCT
easat-2128	543	7	,	,	PUNCT
easat-2128	543	8	vol	vol	NOUN
easat-2128	543	9	.	.	PROPN
easat-2128	543	10	30	30	NUM
easat-2128	543	11	,	,	PUNCT
easat-2128	543	12	pp	pp	ADJ
easat-2128	543	13	.	.	PUNCT
easat-2128	544	1	149–164	149–164	NUM
easat-2128	544	2	,	,	PUNCT
easat-2128	544	3	2019	2019	NUM
easat-2128	544	4	,	,	PUNCT
easat-2128	544	5	doi	doi	NOUN
easat-2128	544	6	:	:	PUNCT
easat-2128	544	7	10.1007/978	10.1007/978	NUM
easat-2128	544	8	-	-	SYM
easat-2128	544	9	3	3	NUM
easat-2128	544	10	-	-	PUNCT
easat-2128	544	11	030	030	NUM
easat-2128	544	12	-	-	PUNCT
easat-2128	544	13	10737	10737	NUM
easat-2128	544	14	-	-	PUNCT
easat-2128	544	15	6_10	6_10	NOUN
easat-2128	544	16	.	.	PUNCT
easat-2128	545	1	[	[	X
easat-2128	545	2	61	61	NUM
easat-2128	545	3	]	]	X
easat-2128	545	4	v.	v.	X
easat-2128	545	5	d.	d.	PROPN
easat-2128	545	6	dang	dang	PROPN
easat-2128	545	7	,	,	PUNCT
easat-2128	545	8	“	"	PUNCT
easat-2128	545	9	the	the	DET
easat-2128	545	10	risk	risk	NOUN
easat-2128	545	11	-	-	PUNCT
easat-2128	545	12	return	return	NOUN
easat-2128	545	13	trade	trade	NOUN
easat-2128	545	14	-	-	PUNCT
easat-2128	545	15	off	off	NOUN
easat-2128	545	16	of	of	ADP
easat-2128	545	17	liquidity	liquidity	NOUN
easat-2128	545	18	positions	position	NOUN
easat-2128	545	19	:	:	PUNCT
easat-2128	545	20	evidence	evidence	NOUN
easat-2128	545	21	from	from	ADP
easat-2128	545	22	vietnamese	vietnamese	ADJ
easat-2128	545	23	banking	banking	NOUN
easat-2128	545	24	system	system	NOUN
easat-2128	545	25	,	,	PUNCT
easat-2128	545	26	”	"	PUNCT
easat-2128	545	27	int	int	NOUN
easat-2128	545	28	.	.	PUNCT
easat-2128	546	1	j.	j.	PROPN
easat-2128	546	2	monet	monet	PROPN
easat-2128	546	3	.	.	PUNCT
easat-2128	547	1	econ	econ	PROPN
easat-2128	547	2	.	.	PUNCT
easat-2128	547	3	financ	financ	PROPN
easat-2128	547	4	.	.	PUNCT
easat-2128	547	5	,	,	PUNCT
easat-2128	547	6	vol	vol	NOUN
easat-2128	547	7	.	.	PROPN
easat-2128	547	8	12	12	NUM
easat-2128	547	9	,	,	PUNCT
easat-2128	547	10	no	no	INTJ
easat-2128	547	11	.	.	NOUN
easat-2128	547	12	5	5	NUM
easat-2128	547	13	,	,	PUNCT
easat-2128	547	14	pp	pp	ADJ
easat-2128	547	15	.	.	PUNCT
easat-2128	548	1	390–406	390–406	NUM
easat-2128	548	2	,	,	PUNCT
easat-2128	548	3	2019	2019	NUM
easat-2128	548	4	,	,	PUNCT
easat-2128	548	5	doi	doi	NOUN
easat-2128	548	6	:	:	PUNCT
easat-2128	548	7	10.1504	10.1504	NUM
easat-2128	548	8	/	/	SYM
easat-2128	548	9	ijmef.2019.102954	ijmef.2019.102954	NOUN
easat-2128	548	10	.	.	PUNCT
easat-2128	549	1	[	[	X
easat-2128	549	2	62	62	NUM
easat-2128	549	3	]	]	PUNCT
easat-2128	549	4	m.	m.	NOUN
easat-2128	549	5	y.	y.	PROPN
easat-2128	549	6	toh	toh	PROPN
easat-2128	549	7	,	,	PUNCT
easat-2128	549	8	“	"	PUNCT
easat-2128	549	9	effects	effect	NOUN
easat-2128	549	10	of	of	ADP
easat-2128	549	11	bank	bank	NOUN
easat-2128	549	12	capital	capital	NOUN
easat-2128	549	13	on	on	ADP
easat-2128	549	14	liquidity	liquidity	NOUN
easat-2128	549	15	creation	creation	NOUN
easat-2128	549	16	and	and	CCONJ
easat-2128	549	17	business	business	NOUN
easat-2128	549	18	diversification	diversification	NOUN
easat-2128	549	19	:	:	PUNCT
easat-2128	549	20	evidence	evidence	NOUN
easat-2128	549	21	from	from	ADP
easat-2128	549	22	malaysia	malaysia	PROPN
easat-2128	549	23	,	,	PUNCT
easat-2128	549	24	”	"	PUNCT
easat-2128	549	25	j.	j.	PROPN
easat-2128	549	26	asian	asian	PROPN
easat-2128	549	27	econ	econ	PROPN
easat-2128	549	28	.	.	PUNCT
easat-2128	549	29	,	,	PUNCT
easat-2128	549	30	vol	vol	NOUN
easat-2128	549	31	.	.	PROPN
easat-2128	549	32	61	61	NUM
easat-2128	549	33	,	,	PUNCT
easat-2128	549	34	pp	pp	ADJ
easat-2128	549	35	.	.	PUNCT
easat-2128	549	36	1–19	1–19	NOUN
easat-2128	549	37	,	,	PUNCT
easat-2128	549	38	2019	2019	NUM
easat-2128	549	39	,	,	PUNCT
easat-2128	549	40	doi	doi	NOUN
easat-2128	549	41	:	:	PUNCT
easat-2128	549	42	10.1016	10.1016	NUM
easat-2128	549	43	/	/	SYM
easat-2128	549	44	j.asieco.2018.12.001	j.asieco.2018.12.001	PROPN
easat-2128	549	45	.	.	PUNCT
easat-2128	550	1	[	[	X
easat-2128	550	2	63	63	NUM
easat-2128	550	3	]	]	PUNCT
easat-2128	550	4	m.	m.	NOUN
easat-2128	550	5	y.	y.	PROPN
easat-2128	550	6	toh	toh	PROPN
easat-2128	550	7	,	,	PUNCT
easat-2128	550	8	c.	c.	PROPN
easat-2128	550	9	gan	gan	PROPN
easat-2128	550	10	,	,	PUNCT
easat-2128	550	11	and	and	CCONJ
easat-2128	550	12	z.	z.	PROPN
easat-2128	550	13	li	li	PROPN
easat-2128	550	14	,	,	PUNCT
easat-2128	550	15	“	"	PUNCT
easat-2128	550	16	bank	bank	NOUN
easat-2128	550	17	diversification	diversification	NOUN
easat-2128	550	18	,	,	PUNCT
easat-2128	550	19	competition	competition	NOUN
easat-2128	550	20	and	and	CCONJ
easat-2128	550	21	liquidity	liquidity	NOUN
easat-2128	550	22	creation	creation	NOUN
easat-2128	550	23	:	:	PUNCT
easat-2128	550	24	evidence	evidence	NOUN
easat-2128	550	25	from	from	ADP
easat-2128	550	26	malaysian	malaysian	ADJ
easat-2128	550	27	banks	bank	NOUN
easat-2128	550	28	,	,	PUNCT
easat-2128	550	29	”	"	PUNCT
easat-2128	550	30	singapore	singapore	PROPN
easat-2128	550	31	econ	econ	PROPN
easat-2128	550	32	.	.	PUNCT
easat-2128	550	33	rev	rev	PROPN
easat-2128	550	34	.	.	PROPN
easat-2128	550	35	,	,	PUNCT
easat-2128	550	36	vol	vol	NOUN
easat-2128	550	37	.	.	PROPN
easat-2128	550	38	65	65	NUM
easat-2128	550	39	,	,	PUNCT
easat-2128	550	40	no	no	INTJ
easat-2128	550	41	.	.	NOUN
easat-2128	550	42	4	4	NUM
easat-2128	550	43	,	,	PUNCT
easat-2128	550	44	pp	pp	ADJ
easat-2128	550	45	.	.	PUNCT
easat-2128	551	1	1127–1156	1127–1156	NUM
easat-2128	551	2	,	,	PUNCT
easat-2128	551	3	2020	2020	NUM
easat-2128	551	4	,	,	PUNCT
easat-2128	551	5	doi	doi	NOUN
easat-2128	551	6	:	:	PUNCT
easat-2128	551	7	10.1142	10.1142	NUM
easat-2128	551	8	/	/	SYM
easat-2128	551	9	s0217590819500103	s0217590819500103	NOUN
easat-2128	551	10	.	.	PUNCT
easat-2128	552	1	[	[	X
easat-2128	552	2	64	64	NUM
easat-2128	552	3	]	]	PUNCT
easat-2128	552	4	d.	d.	PROPN
easat-2128	552	5	van	van	PROPN
easat-2128	552	6	dang	dang	PROPN
easat-2128	552	7	,	,	PUNCT
easat-2128	552	8	“	"	PUNCT
easat-2128	552	9	do	do	AUX
easat-2128	552	10	non	non	ADJ
easat-2128	552	11	-	-	ADJ
easat-2128	552	12	traditional	traditional	ADJ
easat-2128	552	13	banking	banking	NOUN
easat-2128	552	14	activities	activity	NOUN
easat-2128	552	15	reduce	reduce	VERB
easat-2128	552	16	bank	bank	NOUN
easat-2128	552	17	liquidity	liquidity	NOUN
easat-2128	552	18	creation	creation	NOUN
easat-2128	552	19	?	?	PUNCT
easat-2128	553	1	evidence	evidence	NOUN
easat-2128	553	2	from	from	ADP
easat-2128	553	3	vietnam	vietnam	PROPN
easat-2128	553	4	,	,	PUNCT
easat-2128	553	5	”	"	PUNCT
easat-2128	553	6	res	re	NOUN
easat-2128	553	7	.	.	PUNCT
easat-2128	554	1	int	int	NOUN
easat-2128	554	2	.	.	PUNCT
easat-2128	555	1	bus	bus	PROPN
easat-2128	555	2	.	.	PUNCT
easat-2128	556	1	financ	financ	PROPN
easat-2128	556	2	.	.	PUNCT
easat-2128	556	3	,	,	PUNCT
easat-2128	556	4	vol	vol	NOUN
easat-2128	556	5	.	.	PROPN
easat-2128	556	6	54	54	NUM
easat-2128	556	7	,	,	PUNCT
easat-2128	556	8	p.	p.	NOUN
easat-2128	556	9	101257	101257	NUM
easat-2128	556	10	,	,	PUNCT
easat-2128	556	11	2020	2020	NUM
easat-2128	556	12	,	,	PUNCT
easat-2128	556	13	doi	doi	NOUN
easat-2128	556	14	:	:	PUNCT
easat-2128	556	15	10.1016	10.1016	NUM
easat-2128	556	16	/	/	SYM
easat-2128	556	17	j.ribaf.2020.101257	j.ribaf.2020.101257	NOUN
easat-2128	556	18	.	.	PUNCT
easat-2128	557	1	[	[	X
easat-2128	557	2	65	65	NUM
easat-2128	557	3	]	]	X
easat-2128	557	4	c.	c.	PROPN
easat-2128	557	5	van	van	PROPN
easat-2128	557	6	hoang	hoang	PROPN
easat-2128	557	7	,	,	PUNCT
easat-2128	557	8	l.	l.	PROPN
easat-2128	557	9	q.	q.	PROPN
easat-2128	557	10	t.	t.	PROPN
easat-2128	557	11	nguyen	nguyen	PROPN
easat-2128	557	12	,	,	PUNCT
easat-2128	557	13	m.	m.	PROPN
easat-2128	557	14	d.	d.	PROPN
easat-2128	557	15	tran	tran	PROPN
easat-2128	557	16	,	,	PUNCT
easat-2128	557	17	and	and	CCONJ
easat-2128	557	18	t.	t.	PROPN
easat-2128	557	19	d.	d.	PROPN
easat-2128	557	20	hoang	hoang	PROPN
easat-2128	557	21	,	,	PUNCT
easat-2128	557	22	“	"	PUNCT
easat-2128	557	23	the	the	DET
easat-2128	557	24	impact	impact	NOUN
easat-2128	557	25	of	of	ADP
easat-2128	557	26	income	income	NOUN
easat-2128	557	27	diversification	diversification	NOUN
easat-2128	557	28	on	on	ADP
easat-2128	557	29	liquidity	liquidity	NOUN
easat-2128	557	30	creation	creation	NOUN
easat-2128	557	31	and	and	CCONJ
easat-2128	557	32	financial	financial	ADJ
easat-2128	557	33	performance	performance	NOUN
easat-2128	557	34	of	of	ADP
easat-2128	557	35	vietnamese	vietnamese	ADJ
easat-2128	557	36	commercial	commercial	ADJ
easat-2128	557	37	banks	bank	NOUN
easat-2128	557	38	,	,	PUNCT
easat-2128	557	39	”	"	PUNCT
easat-2128	557	40	accounting	accounting	NOUN
easat-2128	557	41	,	,	PUNCT
easat-2128	557	42	vol	vol	NOUN
easat-2128	557	43	.	.	PROPN
easat-2128	557	44	6	6	NUM
easat-2128	557	45	,	,	PUNCT
easat-2128	557	46	no	no	INTJ
easat-2128	557	47	.	.	NOUN
easat-2128	557	48	4	4	NUM
easat-2128	557	49	,	,	PUNCT
easat-2128	557	50	pp	pp	ADJ
easat-2128	557	51	.	.	PUNCT
easat-2128	558	1	553–568	553–568	NUM
easat-2128	558	2	,	,	PUNCT
easat-2128	558	3	2020	2020	NUM
easat-2128	558	4	,	,	PUNCT
easat-2128	558	5	doi	doi	NOUN
easat-2128	558	6	:	:	PUNCT
easat-2128	558	7	10.5267	10.5267	NUM
easat-2128	558	8	/	/	SYM
easat-2128	558	9	j.ac.2020.4.004	j.ac.2020.4.004	PROPN
easat-2128	558	10	.	.	PUNCT
easat-2128	559	1	[	[	X
easat-2128	559	2	66	66	NUM
easat-2128	559	3	]	]	PUNCT
easat-2128	559	4	r.	r.	PROPN
easat-2128	559	5	rokhim	rokhim	PROPN
easat-2128	559	6	and	and	CCONJ
easat-2128	559	7	i.	i.	PROPN
easat-2128	559	8	min	min	PROPN
easat-2128	559	9	,	,	PUNCT
easat-2128	559	10	“	"	PUNCT
easat-2128	559	11	funding	fund	VERB
easat-2128	559	12	liquidity	liquidity	NOUN
easat-2128	559	13	and	and	CCONJ
easat-2128	559	14	risk	risk	NOUN
easat-2128	559	15	taking	take	VERB
easat-2128	559	16	behavior	behavior	NOUN
easat-2128	559	17	in	in	ADP
easat-2128	559	18	southeast	southeast	ADJ
easat-2128	559	19	asian	asian	ADJ
easat-2128	559	20	banks	bank	NOUN
easat-2128	559	21	,	,	PUNCT
easat-2128	559	22	”	"	PUNCT
easat-2128	559	23	emerg	emerg	PROPN
easat-2128	559	24	.	.	PUNCT
easat-2128	559	25	mark	mark	PROPN
easat-2128	559	26	.	.	PUNCT
easat-2128	560	1	financ	financ	PROPN
easat-2128	560	2	.	.	PUNCT
easat-2128	561	1	trade	trade	NOUN
easat-2128	561	2	,	,	PUNCT
easat-2128	561	3	vol	vol	NOUN
easat-2128	561	4	.	.	PROPN
easat-2128	561	5	56	56	NUM
easat-2128	561	6	,	,	PUNCT
easat-2128	561	7	no	no	INTJ
easat-2128	561	8	.	.	NOUN
easat-2128	561	9	2	2	NUM
easat-2128	561	10	,	,	PUNCT
easat-2128	561	11	pp	pp	ADJ
easat-2128	561	12	.	.	PUNCT
easat-2128	562	1	305–313	305–313	NUM
easat-2128	562	2	,	,	PUNCT
easat-2128	562	3	2020	2020	NUM
easat-2128	562	4	,	,	PUNCT
easat-2128	562	5	doi	doi	NOUN
easat-2128	562	6	:	:	PUNCT
easat-2128	562	7	10.1080/1540496x.2018.1483230	10.1080/1540496x.2018.1483230	NUM
easat-2128	562	8	.	.	PUNCT
easat-2128	563	1	[	[	X
easat-2128	563	2	67	67	NUM
easat-2128	563	3	]	]	PUNCT
easat-2128	563	4	t.	t.	PROPN
easat-2128	563	5	l.	l.	PROPN
easat-2128	563	6	a.	a.	PROPN
easat-2128	563	7	nguyen	nguyen	PROPN
easat-2128	563	8	,	,	PUNCT
easat-2128	563	9	“	"	PUNCT
easat-2128	563	10	diversification	diversification	NOUN
easat-2128	563	11	and	and	CCONJ
easat-2128	563	12	bank	bank	NOUN
easat-2128	563	13	efficiency	efficiency	NOUN
easat-2128	563	14	in	in	ADP
easat-2128	563	15	six	six	NUM
easat-2128	563	16	asean	asean	ADJ
easat-2128	563	17	countries	country	NOUN
easat-2128	563	18	,	,	PUNCT
easat-2128	563	19	”	"	PUNCT
easat-2128	563	20	glob	glob	NOUN
easat-2128	563	21	.	.	PUNCT
easat-2128	563	22	financ	financ	PROPN
easat-2128	563	23	.	.	PUNCT
easat-2128	564	1	j.	j.	PROPN
easat-2128	564	2	,	,	PUNCT
easat-2128	564	3	vol	vol	NOUN
easat-2128	564	4	.	.	PROPN
easat-2128	564	5	37	37	NUM
easat-2128	564	6	,	,	PUNCT
easat-2128	564	7	no	no	INTJ
easat-2128	564	8	.	.	NOUN
easat-2128	564	9	2017	2017	NUM
easat-2128	564	10	,	,	PUNCT
easat-2128	564	11	pp	pp	ADJ
easat-2128	564	12	.	.	PUNCT
easat-2128	564	13	57–78	57–78	NUM
easat-2128	564	14	,	,	PUNCT
easat-2128	564	15	2018	2018	NUM
easat-2128	564	16	,	,	PUNCT
easat-2128	564	17	doi	doi	NOUN
easat-2128	564	18	:	:	PUNCT
easat-2128	564	19	10.1016	10.1016	NUM
easat-2128	564	20	/	/	SYM
easat-2128	564	21	j.gfj.2018.04.004	j.gfj.2018.04.004	NOUN
easat-2128	564	22	.	.	PUNCT
easat-2128	565	1	[	[	X
easat-2128	565	2	68	68	NUM
easat-2128	565	3	]	]	PUNCT
easat-2128	565	4	j.	j.	PROPN
easat-2128	565	5	huynh	huynh	PROPN
easat-2128	565	6	,	,	PUNCT
easat-2128	565	7	“	"	PUNCT
easat-2128	565	8	a	a	DET
easat-2128	565	9	risk	risk	NOUN
easat-2128	565	10	-	-	PUNCT
easat-2128	565	11	return	return	NOUN
easat-2128	565	12	analysis	analysis	NOUN
easat-2128	565	13	of	of	ADP
easat-2128	565	14	loan	loan	NOUN
easat-2128	565	15	portfolio	portfolio	NOUN
easat-2128	565	16	diversification	diversification	NOUN
easat-2128	565	17	in	in	ADP
easat-2128	565	18	the	the	DET
easat-2128	565	19	vietnamese	vietnamese	ADJ
easat-2128	565	20	banking	banking	NOUN
easat-2128	565	21	system	system	NOUN
easat-2128	565	22	,	,	PUNCT
easat-2128	565	23	”	"	PUNCT
easat-2128	565	24	j.	j.	PROPN
easat-2128	565	25	asian	asian	PROPN
easat-2128	565	26	financ	financ	PROPN
easat-2128	565	27	.	.	PUNCT
easat-2128	566	1	econ	econ	PROPN
easat-2128	566	2	.	.	PUNCT
easat-2128	566	3	bus	bus	PROPN
easat-2128	566	4	.	.	PUNCT
easat-2128	566	5	,	,	PUNCT
easat-2128	566	6	vol	vol	NOUN
easat-2128	566	7	.	.	PROPN
easat-2128	566	8	7	7	NUM
easat-2128	566	9	,	,	PUNCT
easat-2128	566	10	no	no	INTJ
easat-2128	566	11	.	.	NOUN
easat-2128	566	12	9	9	NUM
easat-2128	566	13	,	,	PUNCT
easat-2128	566	14	pp	pp	ADJ
easat-2128	566	15	.	.	PUNCT
easat-2128	567	1	105–115	105–115	NUM
easat-2128	567	2	,	,	PUNCT
easat-2128	567	3	2020	2020	NUM
easat-2128	567	4	,	,	PUNCT
easat-2128	567	5	doi	doi	NOUN
easat-2128	567	6	:	:	PUNCT
easat-2128	567	7	10.13106	10.13106	NUM
easat-2128	567	8	/	/	SYM
easat-2128	567	9	jafeb.2020.vol7.no9.105	jafeb.2020.vol7.no9.105	NOUN
easat-2128	567	10	.	.	PUNCT
easat-2128	568	1	[	[	X
easat-2128	568	2	69	69	NUM
easat-2128	568	3	]	]	PUNCT
easat-2128	568	4	t.	t.	PROPN
easat-2128	568	5	d.	d.	PROPN
easat-2128	568	6	le	le	PROPN
easat-2128	568	7	and	and	CCONJ
easat-2128	568	8	t.	t.	PROPN
easat-2128	568	9	ngo	ngo	PROPN
easat-2128	568	10	,	,	PUNCT
easat-2128	568	11	“	"	PUNCT
easat-2128	568	12	the	the	DET
easat-2128	568	13	determinants	determinant	NOUN
easat-2128	568	14	of	of	ADP
easat-2128	568	15	bank	bank	NOUN
easat-2128	568	16	profitability	profitability	NOUN
easat-2128	568	17	:	:	PUNCT
easat-2128	568	18	a	a	DET
easat-2128	568	19	cross	cross	ADJ
easat-2128	568	20	-	-	ADJ
easat-2128	568	21	country	country	ADJ
easat-2128	568	22	analysis	analysis	NOUN
easat-2128	568	23	,	,	PUNCT
easat-2128	568	24	”	"	PUNCT
easat-2128	568	25	cent	cent	NOUN
easat-2128	568	26	.	.	PUNCT
easat-2128	569	1	bank	bank	PROPN
easat-2128	569	2	rev	rev	VERB
easat-2128	569	3	.	.	PROPN
easat-2128	569	4	,	,	PUNCT
easat-2128	569	5	vol	vol	NOUN
easat-2128	569	6	.	.	PROPN
easat-2128	569	7	20	20	NUM
easat-2128	569	8	,	,	PUNCT
easat-2128	569	9	no	no	INTJ
easat-2128	569	10	.	.	NOUN
easat-2128	569	11	2	2	NUM
easat-2128	569	12	,	,	PUNCT
easat-2128	569	13	pp	pp	ADJ
easat-2128	569	14	.	.	PUNCT
easat-2128	570	1	65–73	65–73	NUM
easat-2128	570	2	,	,	PUNCT
easat-2128	570	3	2020	2020	NUM
easat-2128	570	4	,	,	PUNCT
easat-2128	570	5	doi	doi	NOUN
easat-2128	570	6	:	:	PUNCT
easat-2128	570	7	10.1016	10.1016	NUM
easat-2128	570	8	/	/	SYM
easat-2128	570	9	j.cbrev.2020.04.001	j.cbrev.2020.04.001	PROPN
easat-2128	570	10	.	.	PUNCT
easat-2128	571	1	[	[	X
easat-2128	571	2	70	70	NUM
easat-2128	571	3	]	]	X
easat-2128	571	4	i.	i.	PROPN
easat-2128	571	5	japparova	japparova	PROPN
easat-2128	571	6	and	and	CCONJ
easat-2128	571	7	r.	r.	PROPN
easat-2128	571	8	rupeika	rupeika	PROPN
easat-2128	571	9	-	-	PUNCT
easat-2128	571	10	apoga	apoga	NOUN
easat-2128	571	11	,	,	PUNCT
easat-2128	571	12	“	"	PUNCT
easat-2128	571	13	banking	banking	NOUN
easat-2128	571	14	business	business	NOUN
easat-2128	571	15	models	model	NOUN
easat-2128	571	16	of	of	ADP
easat-2128	571	17	the	the	DET
easat-2128	571	18	digital	digital	ADJ
easat-2128	571	19	future	future	NOUN
easat-2128	571	20	:	:	PUNCT
easat-2128	571	21	the	the	DET
easat-2128	571	22	case	case	NOUN
easat-2128	571	23	of	of	ADP
easat-2128	571	24	latvia	latvia	PROPN
easat-2128	571	25	,	,	PUNCT
easat-2128	571	26	”	"	PUNCT
easat-2128	571	27	eur	eur	PROPN
easat-2128	571	28	.	.	PUNCT
easat-2128	572	1	res	re	NOUN
easat-2128	572	2	.	.	PUNCT
easat-2128	572	3	stud	stud	PROPN
easat-2128	572	4	.	.	PUNCT
easat-2128	573	1	j.	j.	PROPN
easat-2128	573	2	,	,	PUNCT
easat-2128	573	3	vol	vol	NOUN
easat-2128	573	4	.	.	PROPN
easat-2128	573	5	20	20	NUM
easat-2128	573	6	,	,	PUNCT
easat-2128	573	7	no	no	INTJ
easat-2128	573	8	.	.	NOUN
easat-2128	573	9	3	3	NUM
easat-2128	573	10	,	,	PUNCT
easat-2128	573	11	pp	pp	ADJ
easat-2128	573	12	.	.	PUNCT
easat-2128	574	1	864–878	864–878	NUM
easat-2128	574	2	,	,	PUNCT
easat-2128	574	3	2017	2017	NUM
easat-2128	574	4	,	,	PUNCT
easat-2128	574	5	doi	doi	NOUN
easat-2128	574	6	:	:	PUNCT
easat-2128	574	7	10.35808	10.35808	NUM
easat-2128	574	8	/	/	SYM
easat-2128	574	9	ersj/749	ersj/749	NOUN
easat-2128	574	10	.	.	PUNCT
easat-2128	575	1	[	[	X
easat-2128	575	2	71	71	NUM
easat-2128	575	3	]	]	PUNCT
easat-2128	575	4	s.	s.	PROPN
easat-2128	575	5	a.	a.	PROPN
easat-2128	575	6	asongu	asongu	PROPN
easat-2128	575	7	and	and	CCONJ
easat-2128	575	8	j.	j.	PROPN
easat-2128	575	9	c.	c.	PROPN
easat-2128	575	10	nwachukwu	nwachukwu	PROPN
easat-2128	575	11	,	,	PUNCT
easat-2128	575	12	“	"	PUNCT
easat-2128	575	13	ict	ict	NOUN
easat-2128	575	14	,	,	PUNCT
easat-2128	575	15	financial	financial	ADJ
easat-2128	575	16	sector	sector	NOUN
easat-2128	575	17	development	development	NOUN
easat-2128	575	18	and	and	CCONJ
easat-2128	575	19	financial	financial	ADJ
easat-2128	575	20	access	access	NOUN
easat-2128	575	21	,	,	PUNCT
easat-2128	575	22	”	"	PUNCT
easat-2128	575	23	j.	j.	PROPN
easat-2128	575	24	knowl	knowl	PROPN
easat-2128	575	25	.	.	PUNCT
easat-2128	576	1	econ	econ	PROPN
easat-2128	576	2	.	.	PUNCT
easat-2128	576	3	,	,	PUNCT
easat-2128	576	4	vol	vol	NOUN
easat-2128	576	5	.	.	PROPN
easat-2128	577	1	10	10	NUM
easat-2128	577	2	,	,	PUNCT
easat-2128	577	3	no	no	INTJ
easat-2128	577	4	.	.	NOUN
easat-2128	577	5	2	2	NUM
easat-2128	577	6	,	,	PUNCT
easat-2128	577	7	pp	pp	ADJ
easat-2128	577	8	.	.	PUNCT
easat-2128	578	1	465–490	465–490	NUM
easat-2128	578	2	,	,	PUNCT
easat-2128	578	3	2017	2017	NUM
easat-2128	578	4	,	,	PUNCT
easat-2128	578	5	doi	doi	NOUN
easat-2128	578	6	:	:	PUNCT
easat-2128	578	7	10.1007	10.1007	NUM
easat-2128	578	8	/	/	SYM
easat-2128	578	9	s13132	s13132	PROPN
easat-2128	578	10	-	-	PUNCT
easat-2128	578	11	017	017	NUM
easat-2128	578	12	-	-	PUNCT
easat-2128	578	13	0477	0477	NUM
easat-2128	578	14	-	-	PUNCT
easat-2128	578	15	x.	x.	NOUN
easat-2128	579	1	[	[	X
easat-2128	579	2	72	72	NUM
easat-2128	579	3	]	]	X
easat-2128	579	4	y.	y.	PROPN
easat-2128	579	5	dong	dong	PROPN
easat-2128	579	6	,	,	PUNCT
easat-2128	579	7	m.	m.	NOUN
easat-2128	579	8	chung	chung	PROPN
easat-2128	579	9	,	,	PUNCT
easat-2128	579	10	c.	c.	PROPN
easat-2128	579	11	zhou	zhou	PROPN
easat-2128	579	12	,	,	PUNCT
easat-2128	579	13	and	and	CCONJ
easat-2128	579	14	s.	s.	PROPN
easat-2128	579	15	venkataraman	venkataraman	PROPN
easat-2128	579	16	,	,	PUNCT
easat-2128	579	17	“	"	PUNCT
easat-2128	579	18	banking	bank	VERB
easat-2128	579	19	on	on	ADP
easat-2128	579	20	‘	'	PUNCT
easat-2128	579	21	mobile	mobile	ADJ
easat-2128	579	22	money	money	NOUN
easat-2128	579	23	’	'	PUNCT
easat-2128	579	24	:	:	PUNCT
easat-2128	579	25	the	the	DET
easat-2128	579	26	implications	implication	NOUN
easat-2128	579	27	of	of	ADP
easat-2128	579	28	mobile	mobile	ADJ
easat-2128	579	29	money	money	NOUN
easat-2128	579	30	services	service	NOUN
easat-2128	579	31	on	on	ADP
easat-2128	579	32	the	the	DET
easat-2128	579	33	value	value	NOUN
easat-2128	579	34	chain	chain	NOUN
easat-2128	579	35	,	,	PUNCT
easat-2128	579	36	”	"	PUNCT
easat-2128	579	37	manuf	manuf	PROPN
easat-2128	579	38	.	.	PUNCT
easat-2128	580	1	serv	serv	PROPN
easat-2128	580	2	.	.	PUNCT
easat-2128	580	3	oper	oper	PROPN
easat-2128	580	4	.	.	PROPN
easat-2128	580	5	manag	manag	PROPN
easat-2128	580	6	.	.	PUNCT
easat-2128	580	7	,	,	PUNCT
easat-2128	580	8	vol	vol	NOUN
easat-2128	580	9	.	.	PROPN
easat-2128	581	1	21	21	NUM
easat-2128	581	2	,	,	PUNCT
easat-2128	581	3	no	no	INTJ
easat-2128	581	4	.	.	NOUN
easat-2128	581	5	2	2	NUM
easat-2128	581	6	,	,	PUNCT
easat-2128	581	7	pp	pp	ADJ
easat-2128	581	8	.	.	PUNCT
easat-2128	582	1	290–307	290–307	NUM
easat-2128	582	2	,	,	PUNCT
easat-2128	582	3	2018	2018	NUM
easat-2128	582	4	,	,	PUNCT
easat-2128	582	5	doi	doi	NOUN
easat-2128	582	6	:	:	PUNCT
easat-2128	582	7	10.1287	10.1287	NUM
easat-2128	582	8	/	/	SYM
easat-2128	582	9	msom.2018.0717	msom.2018.0717	PROPN
easat-2128	582	10	.	.	PUNCT
easat-2128	583	1	[	[	X
easat-2128	583	2	73	73	NUM
easat-2128	583	3	]	]	X
easat-2128	583	4	g.	g.	PROPN
easat-2128	583	5	j.	j.	PROPN
easat-2128	583	6	benston	benston	PROPN
easat-2128	583	7	and	and	CCONJ
easat-2128	583	8	c.	c.	PROPN
easat-2128	583	9	w.	w.	PROPN
easat-2128	583	10	smith	smith	PROPN
easat-2128	583	11	,	,	PUNCT
easat-2128	583	12	“	"	PUNCT
easat-2128	583	13	a	a	DET
easat-2128	583	14	transactions	transaction	NOUN
easat-2128	583	15	cost	cost	NOUN
easat-2128	583	16	approach	approach	NOUN
easat-2128	583	17	to	to	ADP
easat-2128	583	18	the	the	DET
easat-2128	583	19	theory	theory	NOUN
easat-2128	583	20	of	of	ADP
easat-2128	583	21	financial	financial	ADJ
easat-2128	583	22	intermediation	intermediation	NOUN
easat-2128	583	23	,	,	PUNCT
easat-2128	583	24	”	"	PUNCT
easat-2128	583	25	j.	j.	PROPN
easat-2128	583	26	finance	finance	PROPN
easat-2128	583	27	,	,	PUNCT
easat-2128	583	28	vol	vol	NOUN
easat-2128	583	29	.	.	PROPN
easat-2128	583	30	31	31	NUM
easat-2128	583	31	,	,	PUNCT
easat-2128	583	32	no	no	INTJ
easat-2128	583	33	.	.	NOUN
easat-2128	583	34	2	2	NUM
easat-2128	583	35	,	,	PUNCT
easat-2128	583	36	pp	pp	ADJ
easat-2128	583	37	.	.	PUNCT
easat-2128	584	1	215–231	215–231	NUM
easat-2128	584	2	,	,	PUNCT
easat-2128	584	3	1976	1976	NUM
easat-2128	584	4	,	,	PUNCT
easat-2128	584	5	doi	doi	NOUN
easat-2128	584	6	:	:	PUNCT
easat-2128	584	7	10.1111	10.1111	NUM
easat-2128	584	8	/	/	SYM
easat-2128	584	9	jofi.12742	jofi.12742	NOUN
easat-2128	584	10	.	.	PUNCT
easat-2128	585	1	[	[	X
easat-2128	585	2	74	74	NUM
easat-2128	585	3	]	]	X
easat-2128	585	4	d.	d.	PROPN
easat-2128	585	5	wójcik	wójcik	PROPN
easat-2128	585	6	,	,	PUNCT
easat-2128	585	7	e.	e.	PROPN
easat-2128	585	8	knight	knight	PROPN
easat-2128	585	9	,	,	PUNCT
easat-2128	585	10	p.	p.	NOUN
easat-2128	585	11	o’neill	o’neill	PROPN
easat-2128	585	12	,	,	PUNCT
easat-2128	585	13	and	and	CCONJ
easat-2128	585	14	v.	v.	ADP
easat-2128	585	15	pažitka	pažitka	PROPN
easat-2128	585	16	,	,	PUNCT
easat-2128	585	17	“	"	PUNCT
easat-2128	585	18	economic	economic	ADJ
easat-2128	585	19	geography	geography	NOUN
easat-2128	585	20	of	of	ADP
easat-2128	585	21	investment	investment	NOUN
easat-2128	585	22	banking	banking	NOUN
easat-2128	585	23	since	since	SCONJ
easat-2128	585	24	2008	2008	NUM
easat-2128	585	25	:	:	PUNCT
easat-2128	585	26	the	the	DET
easat-2128	585	27	geography	geography	NOUN
easat-2128	585	28	of	of	ADP
easat-2128	585	29	shrinkage	shrinkage	NOUN
easat-2128	585	30	and	and	CCONJ
easat-2128	585	31	shift	shift	NOUN
easat-2128	585	32	,	,	PUNCT
easat-2128	585	33	”	"	PUNCT
easat-2128	585	34	econ	econ	NOUN
easat-2128	585	35	.	.	PUNCT
easat-2128	585	36	geogr	geogr	PROPN
easat-2128	585	37	.	.	PUNCT
easat-2128	585	38	,	,	PUNCT
easat-2128	585	39	vol	vol	NOUN
easat-2128	585	40	.	.	PROPN
easat-2128	585	41	94	94	NUM
easat-2128	585	42	,	,	PUNCT
easat-2128	585	43	no	no	INTJ
easat-2128	585	44	.	.	NOUN
easat-2128	585	45	4	4	NUM
easat-2128	585	46	,	,	PUNCT
easat-2128	585	47	pp	pp	ADJ
easat-2128	585	48	.	.	PUNCT
easat-2128	586	1	376–399	376–399	NUM
easat-2128	586	2	,	,	PUNCT
easat-2128	586	3	2018	2018	NUM
easat-2128	586	4	,	,	PUNCT
easat-2128	586	5	doi	doi	NOUN
easat-2128	586	6	:	:	PUNCT
easat-2128	586	7	10.1080/00130095.2018.1448264	10.1080/00130095.2018.1448264	NUM
easat-2128	586	8	.	.	PUNCT
easat-2128	587	1	[	[	X
easat-2128	587	2	75	75	NUM
easat-2128	587	3	]	]	X
easat-2128	587	4	y.	y.	PROPN
easat-2128	587	5	chu	chu	PROPN
easat-2128	587	6	and	and	CCONJ
easat-2128	587	7	c.	c.	PROPN
easat-2128	587	8	deng	deng	PROPN
easat-2128	587	9	,	,	PUNCT
easat-2128	587	10	saiying	saiying	PROPN
easat-2128	587	11	,	,	PUNCT
easat-2128	587	12	xia	xia	PROPN
easat-2128	587	13	,	,	PUNCT
easat-2128	587	14	“	"	PUNCT
easat-2128	587	15	bank	bank	NOUN
easat-2128	587	16	geographic	geographic	ADJ
easat-2128	587	17	diversification	diversification	NOUN
easat-2128	587	18	and	and	CCONJ
easat-2128	587	19	systemic	systemic	ADJ
easat-2128	587	20	risk	risk	NOUN
easat-2128	587	21	,	,	PUNCT
easat-2128	587	22	”	"	PUNCT
easat-2128	587	23	rev	rev	PROPN
easat-2128	587	24	.	.	PROPN
easat-2128	587	25	financ	financ	PROPN
easat-2128	587	26	.	.	PUNCT
easat-2128	588	1	stud	stud	PROPN
easat-2128	588	2	.	.	PUNCT
easat-2128	589	1	,	,	PUNCT
easat-2128	589	2	vol	vol	NOUN
easat-2128	589	3	.	.	PROPN
easat-2128	590	1	33	33	NUM
easat-2128	590	2	,	,	PUNCT
easat-2128	590	3	no	no	INTJ
easat-2128	590	4	.	.	NOUN
easat-2128	590	5	10	10	NUM
easat-2128	590	6	,	,	PUNCT
easat-2128	590	7	2020	2020	NUM
easat-2128	590	8	,	,	PUNCT
easat-2128	590	9	doi	doi	NOUN
easat-2128	590	10	:	:	PUNCT
easat-2128	590	11	10.1093	10.1093	NUM
easat-2128	590	12	/	/	SYM
easat-2128	590	13	rfs	rfs	PROPN
easat-2128	590	14	/	/	SYM
easat-2128	590	15	hhz148	hhz148	PROPN
easat-2128	590	16	.	.	PUNCT
easat-2128	591	1	[	[	X
easat-2128	591	2	76	76	NUM
easat-2128	591	3	]	]	X
easat-2128	591	4	m.	m.	NOUN
easat-2128	591	5	bod	bod	PROPN
easat-2128	591	6	and	and	CCONJ
easat-2128	591	7	e.	e.	PROPN
easat-2128	591	8	zimková	zimková	PROPN
easat-2128	591	9	,	,	PUNCT
easat-2128	591	10	“	"	PUNCT
easat-2128	591	11	overcoming	overcome	VERB
easat-2128	591	12	the	the	DET
easat-2128	591	13	loan	loan	NOUN
easat-2128	591	14	-	-	PUNCT
easat-2128	591	15	to	to	ADP
easat-2128	591	16	-	-	PUNCT
easat-2128	591	17	deposit	deposit	NOUN
easat-2128	591	18	ratio	ratio	NOUN
easat-2128	591	19	by	by	ADP
easat-2128	591	20	a	a	DET
easat-2128	591	21	financial	financial	ADJ
easat-2128	591	22	intermediation	intermediation	NOUN
easat-2128	591	23	measure	measure	NOUN
easat-2128	591	24	—	—	PUNCT
easat-2128	591	25	a	a	DET
easat-2128	591	26	perspective	perspective	ADJ
easat-2128	591	27	instrument	instrument	NOUN
easat-2128	591	28	of	of	ADP
easat-2128	591	29	financial	financial	ADJ
easat-2128	591	30	stability	stability	NOUN
easat-2128	591	31	policy	policy	NOUN
easat-2128	591	32	,	,	PUNCT
easat-2128	591	33	”	"	PUNCT
easat-2128	591	34	2021	2021	NUM
easat-2128	591	35	,	,	PUNCT
easat-2128	591	36	doi	doi	NOUN
easat-2128	591	37	:	:	PUNCT
easat-2128	591	38	10.1016	10.1016	NUM
easat-2128	591	39	/	/	SYM
easat-2128	591	40	j.jpolmod.2021.03.012	j.jpolmod.2021.03.012	PROPN
easat-2128	591	41	.	.	PUNCT
easat-2128	592	1	[	[	X
easat-2128	592	2	77	77	X
easat-2128	592	3	]	]	X
easat-2128	592	4	o.	o.	PROPN
easat-2128	592	5	o.	o.	PROPN
easat-2128	592	6	ebenezer	ebenezer	PROPN
easat-2128	592	7	,	,	PUNCT
easat-2128	592	8	a.	a.	PROPN
easat-2128	592	9	islam	islam	PROPN
easat-2128	592	10	,	,	PUNCT
easat-2128	592	11	and	and	CCONJ
easat-2128	592	12	w.	w.	PROPN
easat-2128	592	13	s.	s.	PROPN
easat-2128	592	14	yusoff	yusoff	PROPN
easat-2128	592	15	,	,	PUNCT
easat-2128	592	16	“	"	PUNCT
easat-2128	592	17	the	the	DET
easat-2128	592	18	effects	effect	NOUN
easat-2128	592	19	of	of	ADP
easat-2128	592	20	liquidity	liquidity	NOUN
easat-2128	592	21	risk	risk	NOUN
easat-2128	592	22	and	and	CCONJ
easat-2128	592	23	interest	interest	NOUN
easat-2128	592	24	-	-	PUNCT
easat-2128	592	25	rate	rate	NOUN
easat-2128	592	26	risk	risk	NOUN
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easat-2128	592	28	profitability	profitability	NOUN
easat-2128	592	29	and	and	CCONJ
easat-2128	592	30	firm	firm	ADJ
easat-2128	592	31	value	value	NOUN
easat-2128	592	32	among	among	ADP
easat-2128	592	33	banks	bank	NOUN
easat-2128	592	34	in	in	ADP
easat-2128	592	35	asean-5	asean-5	NUM
easat-2128	592	36	countries	country	NOUN
easat-2128	592	37	,	,	PUNCT
easat-2128	592	38	”	"	PUNCT
easat-2128	592	39	j.	j.	PROPN
easat-2128	592	40	rev	rev	PROPN
easat-2128	592	41	.	.	PROPN
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easat-2128	592	43	.	.	PUNCT
easat-2128	592	44	econ	econ	PROPN
easat-2128	592	45	.	.	PROPN
easat-2128	592	46	,	,	PUNCT
easat-2128	592	47	vol	vol	NOUN
easat-2128	592	48	.	.	PROPN
easat-2128	592	49	8	8	NUM
easat-2128	592	50	,	,	PUNCT
easat-2128	592	51	pp	pp	ADJ
easat-2128	592	52	.	.	PUNCT
easat-2128	593	1	337–349	337–349	NUM
easat-2128	593	2	,	,	PUNCT
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easat-2128	593	4	.	.	PUNCT
easat-2128	594	1	571	571	NUM
easat-2128	594	2	edelweiss	edelweiss	PROPN
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easat-2128	594	7	issn	issn	PROPN
easat-2128	594	8	:	:	PUNCT
easat-2128	594	9	2576	2576	NUM
easat-2128	594	10	-	-	SYM
easat-2128	594	11	8484	8484	NUM
easat-2128	594	12	vol	vol	NOUN
easat-2128	594	13	.	.	PROPN
easat-2128	594	14	8	8	NUM
easat-2128	594	15	,	,	PUNCT
easat-2128	594	16	no	no	INTJ
easat-2128	594	17	.	.	NOUN
easat-2128	595	1	6	6	NUM
easat-2128	595	2	:	:	SYM
easat-2128	595	3	559	559	NUM
easat-2128	595	4	-	-	SYM
easat-2128	595	5	571	571	NUM
easat-2128	595	6	,	,	PUNCT
easat-2128	595	7	2024	2024	NUM
easat-2128	595	8	doi	doi	NOUN
easat-2128	595	9	:	:	PUNCT
easat-2128	595	10	10.55214/25768484.v8i6.2128	10.55214/25768484.v8i6.2128	NUM
easat-2128	595	11	©	©	PROPN
easat-2128	595	12	2024	2024	NUM
easat-2128	595	13	by	by	ADP
easat-2128	595	14	the	the	DET
easat-2128	595	15	authors	author	NOUN
easat-2128	595	16	;	;	PUNCT
easat-2128	595	17	licensee	licensee	PROPN
easat-2128	595	18	learning	learning	NOUN
easat-2128	595	19	gate	gate	NOUN
easat-2128	595	20	[	[	X
easat-2128	595	21	78	78	NUM
easat-2128	595	22	]	]	PUNCT
easat-2128	595	23	c.	c.	PROPN
easat-2128	595	24	r.	r.	PROPN
easat-2128	595	25	sathyamoorthi	sathyamoorthi	PROPN
easat-2128	595	26	,	,	PUNCT
easat-2128	595	27	m.	m.	NOUN
easat-2128	595	28	mapharing	mapharing	NOUN
easat-2128	595	29	,	,	PUNCT
easat-2128	595	30	and	and	CCONJ
easat-2128	595	31	m.	m.	PROPN
easat-2128	595	32	dzimiri	dzimiri	PROPN
easat-2128	595	33	,	,	PUNCT
easat-2128	595	34	“	"	PUNCT
easat-2128	595	35	liquidity	liquidity	NOUN
easat-2128	595	36	management	management	NOUN
easat-2128	595	37	and	and	CCONJ
easat-2128	595	38	financial	financial	ADJ
easat-2128	595	39	performance	performance	NOUN
easat-2128	595	40	:	:	PUNCT
easat-2128	595	41	evidence	evidence	NOUN
easat-2128	595	42	from	from	ADP
easat-2128	595	43	commercial	commercial	ADJ
easat-2128	595	44	banks	bank	NOUN
easat-2128	595	45	in	in	ADP
easat-2128	595	46	botswana	botswana	PROPN
easat-2128	595	47	,	,	PUNCT
easat-2128	595	48	”	"	PUNCT
easat-2128	595	49	int	int	NOUN
easat-2128	595	50	.	.	PUNCT
easat-2128	596	1	j.	j.	PROPN
easat-2128	596	2	financ	financ	PROPN
easat-2128	596	3	.	.	PUNCT
easat-2128	597	1	res	re	NOUN
easat-2128	597	2	.	.	PROPN
easat-2128	597	3	,	,	PUNCT
easat-2128	597	4	vol	vol	NOUN
easat-2128	597	5	.	.	PROPN
easat-2128	597	6	11	11	NUM
easat-2128	597	7	,	,	PUNCT
easat-2128	597	8	no	no	INTJ
easat-2128	597	9	.	.	NOUN
easat-2128	597	10	5	5	NUM
easat-2128	597	11	,	,	PUNCT
easat-2128	597	12	pp	pp	ADJ
easat-2128	597	13	.	.	PUNCT
easat-2128	598	1	399–413	399–413	NUM
easat-2128	598	2	,	,	PUNCT
easat-2128	598	3	2020	2020	NUM
easat-2128	598	4	,	,	PUNCT
easat-2128	598	5	doi	doi	NOUN
easat-2128	598	6	:	:	PUNCT
easat-2128	598	7	10.5430	10.5430	NUM
easat-2128	598	8	/	/	SYM
easat-2128	598	9	ijfr.v11n5p399	ijfr.v11n5p399	NOUN
easat-2128	598	10	.	.	PUNCT
easat-2128	599	1	[	[	X
easat-2128	599	2	79	79	NUM
easat-2128	599	3	]	]	PUNCT
easat-2128	599	4	e.	e.	PROPN
easat-2128	599	5	a.	a.	PROPN
easat-2128	599	6	al	al	PROPN
easat-2128	599	7	-	-	PUNCT
easat-2128	599	8	homaidi	homaidi	PROPN
easat-2128	599	9	,	,	PUNCT
easat-2128	599	10	“	"	PUNCT
easat-2128	599	11	the	the	DET
easat-2128	599	12	liquidity	liquidity	NOUN
easat-2128	599	13	of	of	ADP
easat-2128	599	14	indian	indian	ADJ
easat-2128	599	15	firms	firm	NOUN
easat-2128	599	16	:	:	PUNCT
easat-2128	599	17	empirical	empirical	ADJ
easat-2128	599	18	evidence	evidence	NOUN
easat-2128	599	19	of	of	ADP
easat-2128	599	20	2154	2154	NUM
easat-2128	599	21	firms	firm	NOUN
easat-2128	599	22	,	,	PUNCT
easat-2128	599	23	”	"	PUNCT
easat-2128	599	24	j.	j.	PROPN
easat-2128	599	25	asian	asian	PROPN
easat-2128	599	26	financ	financ	PROPN
easat-2128	599	27	.	.	PUNCT
easat-2128	600	1	econ	econ	PROPN
easat-2128	600	2	.	.	PUNCT
easat-2128	600	3	bus	bus	PROPN
easat-2128	600	4	.	.	PUNCT
easat-2128	600	5	,	,	PUNCT
easat-2128	600	6	vol	vol	NOUN
easat-2128	600	7	.	.	PROPN
easat-2128	600	8	7	7	NUM
easat-2128	600	9	,	,	PUNCT
easat-2128	600	10	no	no	INTJ
easat-2128	600	11	.	.	NOUN
easat-2128	600	12	1	1	NUM
easat-2128	600	13	,	,	PUNCT
easat-2128	600	14	pp	pp	ADJ
easat-2128	600	15	.	.	PUNCT
easat-2128	600	16	19–27	19–27	NUM
easat-2128	600	17	,	,	PUNCT
easat-2128	600	18	2020	2020	NUM
easat-2128	600	19	,	,	PUNCT
easat-2128	600	20	doi	doi	NOUN
easat-2128	600	21	:	:	PUNCT
easat-2128	600	22	10.13106	10.13106	NUM
easat-2128	600	23	/	/	SYM
easat-2128	600	24	jafeb.2020.vol7.no1.19	jafeb.2020.vol7.no1.19	NOUN
easat-2128	600	25	.	.	PUNCT
easat-2128	601	1	[	[	X
easat-2128	601	2	80	80	NUM
easat-2128	601	3	]	]	PUNCT
easat-2128	601	4	k.	k.	PROPN
easat-2128	601	5	n.	n.	PROPN
easat-2128	601	6	aldeen	aldeen	PROPN
easat-2128	601	7	,	,	PUNCT
easat-2128	601	8	e.	e.	PROPN
easat-2128	601	9	siswahto	siswahto	PROPN
easat-2128	601	10	,	,	PUNCT
easat-2128	601	11	s.	s.	PROPN
easat-2128	601	12	herianingrum	herianingrum	PROPN
easat-2128	601	13	,	,	PUNCT
easat-2128	601	14	and	and	CCONJ
easat-2128	601	15	a.	a.	NOUN
easat-2128	601	16	agawany	agawany	PROPN
easat-2128	601	17	,	,	PUNCT
easat-2128	601	18	“	"	PUNCT
easat-2128	601	19	determinants	determinant	NOUN
easat-2128	601	20	of	of	ADP
easat-2128	601	21	bank	bank	NOUN
easat-2128	601	22	liquidity	liquidity	NOUN
easat-2128	601	23	in	in	ADP
easat-2128	601	24	syria	syria	PROPN
easat-2128	601	25	:	:	PUNCT
easat-2128	601	26	a	a	DET
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easat-2128	601	29	between	between	ADP
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easat-2128	601	31	and	and	CCONJ
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easat-2128	601	33	banks	bank	NOUN
easat-2128	601	34	,	,	PUNCT
easat-2128	601	35	”	"	PUNCT
easat-2128	601	36	int	int	NOUN
easat-2128	601	37	.	.	PUNCT
easat-2128	602	1	j.	j.	PROPN
easat-2128	602	2	accounting	accounting	PROPN
easat-2128	602	3	,	,	PUNCT
easat-2128	602	4	financ	financ	PROPN
easat-2128	602	5	.	.	PUNCT
easat-2128	603	1	bus	bus	PROPN
easat-2128	603	2	.	.	PUNCT
easat-2128	603	3	,	,	PUNCT
easat-2128	603	4	vol	vol	NOUN
easat-2128	603	5	.	.	PROPN
easat-2128	603	6	5	5	NUM
easat-2128	603	7	,	,	PUNCT
easat-2128	603	8	no	no	INTJ
easat-2128	603	9	.	.	NOUN
easat-2128	603	10	26	26	NUM
easat-2128	603	11	,	,	PUNCT
easat-2128	603	12	pp	pp	ADJ
easat-2128	603	13	.	.	PUNCT
easat-2128	604	1	33–49	33–49	NUM
easat-2128	604	2	,	,	PUNCT
easat-2128	604	3	2020	2020	NUM
easat-2128	604	4	,	,	PUNCT
easat-2128	605	1	[	[	X
easat-2128	605	2	online	online	X
easat-2128	605	3	]	]	X
easat-2128	605	4	.	.	PUNCT
easat-2128	606	1	available	available	ADJ
easat-2128	606	2	:	:	PUNCT
easat-2128	606	3	www.ijafb.com	www.ijafb.com	X
easat-2128	606	4	[	[	X
easat-2128	606	5	81	81	NUM
easat-2128	606	6	]	]	PUNCT
easat-2128	606	7	m.	m.	NOUN
easat-2128	606	8	amaral	amaral	PROPN
easat-2128	606	9	,	,	PUNCT
easat-2128	606	10	“	"	PUNCT
easat-2128	606	11	liquidity	liquidity	NOUN
easat-2128	606	12	of	of	ADP
easat-2128	606	13	commercial	commercial	ADJ
easat-2128	606	14	banks	bank	NOUN
easat-2128	606	15	in	in	ADP
easat-2128	606	16	portugal	portugal	PROPN
easat-2128	606	17	and	and	CCONJ
easat-2128	606	18	spain	spain	PROPN
easat-2128	606	19	,	,	PUNCT
easat-2128	606	20	”	"	PUNCT
easat-2128	606	21	eur	eur	PROPN
easat-2128	606	22	.	.	PUNCT
easat-2128	607	1	j.	j.	PROPN
easat-2128	607	2	gov	gov	PROPN
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easat-2128	607	4	econ	econ	PROPN
easat-2128	607	5	.	.	PROPN
easat-2128	607	6	,	,	PUNCT
easat-2128	607	7	vol	vol	NOUN
easat-2128	607	8	.	.	PROPN
easat-2128	608	1	10	10	NUM
easat-2128	608	2	,	,	PUNCT
easat-2128	608	3	no	no	INTJ
easat-2128	608	4	.	.	NOUN
easat-2128	608	5	1	1	NUM
easat-2128	608	6	,	,	PUNCT
easat-2128	608	7	pp	pp	ADJ
easat-2128	608	8	.	.	PUNCT
easat-2128	609	1	46–64	46–64	NUM
easat-2128	609	2	,	,	PUNCT
easat-2128	609	3	2021	2021	NUM
easat-2128	609	4	,	,	PUNCT
easat-2128	609	5	doi	doi	NOUN
easat-2128	609	6	:	:	PUNCT
easat-2128	609	7	10.17979	10.17979	NUM
easat-2128	609	8	/	/	SYM
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easat-2128	609	10	.	.	PUNCT
easat-2128	610	1	[	[	X
easat-2128	610	2	82	82	X
easat-2128	610	3	]	]	X
easat-2128	610	4	t.	t.	NOUN
easat-2128	610	5	t.	t.	PROPN
easat-2128	610	6	t.	t.	PROPN
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easat-2128	610	8	and	and	CCONJ
easat-2128	610	9	t.	t.	PROPN
easat-2128	610	10	n.	n.	PROPN
easat-2128	610	11	bui	bui	PROPN
easat-2128	610	12	,	,	PUNCT
easat-2128	610	13	“	"	PUNCT
easat-2128	610	14	how	how	SCONJ
easat-2128	610	15	does	do	AUX
easat-2128	610	16	liquidity	liquidity	NOUN
easat-2128	610	17	influence	influence	NOUN
easat-2128	610	18	bank	bank	NOUN
easat-2128	610	19	profitability	profitability	NOUN
easat-2128	610	20	?	?	PUNCT
easat-2128	611	1	a	a	DET
easat-2128	611	2	panel	panel	NOUN
easat-2128	611	3	data	datum	NOUN
easat-2128	611	4	approach	approach	NOUN
easat-2128	611	5	,	,	PUNCT
easat-2128	611	6	”	"	PUNCT
easat-2128	611	7	accounting	accounting	NOUN
easat-2128	611	8	,	,	PUNCT
easat-2128	611	9	vol	vol	NOUN
easat-2128	611	10	.	.	PROPN
easat-2128	611	11	7	7	NUM
easat-2128	611	12	,	,	PUNCT
easat-2128	611	13	no	no	INTJ
easat-2128	611	14	.	.	NOUN
easat-2128	611	15	1	1	NUM
easat-2128	611	16	,	,	PUNCT
easat-2128	611	17	pp	pp	ADJ
easat-2128	611	18	.	.	PUNCT
easat-2128	612	1	59–64	59–64	NUM
easat-2128	612	2	,	,	PUNCT
easat-2128	612	3	2021	2021	NUM
easat-2128	612	4	,	,	PUNCT
easat-2128	612	5	doi	doi	NOUN
easat-2128	612	6	:	:	PUNCT
easat-2128	612	7	10.5267	10.5267	NUM
easat-2128	612	8	/	/	SYM
easat-2128	612	9	j.ac.2020.10.014	j.ac.2020.10.014	NOUN
easat-2128	612	10	.	.	PUNCT
easat-2128	613	1	[	[	X
easat-2128	613	2	83	83	NUM
easat-2128	613	3	]	]	X
easat-2128	613	4	r.	r.	PROPN
easat-2128	613	5	elsas	elsas	PROPN
easat-2128	613	6	,	,	PUNCT
easat-2128	613	7	a.	a.	NOUN
easat-2128	613	8	hackethal	hackethal	NOUN
easat-2128	613	9	,	,	PUNCT
easat-2128	613	10	and	and	CCONJ
easat-2128	613	11	m.	m.	NOUN
easat-2128	613	12	holzhäuser	holzhäuser	PROPN
easat-2128	613	13	,	,	PUNCT
easat-2128	613	14	“	"	PUNCT
easat-2128	613	15	the	the	DET
easat-2128	613	16	anatomy	anatomy	NOUN
easat-2128	613	17	of	of	ADP
easat-2128	613	18	bank	bank	NOUN
easat-2128	613	19	diversification	diversification	NOUN
easat-2128	613	20	,	,	PUNCT
easat-2128	613	21	”	"	PUNCT
easat-2128	613	22	j.	j.	PROPN
easat-2128	613	23	bank	bank	PROPN
easat-2128	613	24	.	.	PUNCT
easat-2128	614	1	financ	financ	PROPN
easat-2128	614	2	.	.	PUNCT
easat-2128	614	3	,	,	PUNCT
easat-2128	614	4	vol	vol	NOUN
easat-2128	614	5	.	.	PROPN
easat-2128	615	1	34	34	NUM
easat-2128	615	2	,	,	PUNCT
easat-2128	615	3	no	no	INTJ
easat-2128	615	4	.	.	NOUN
easat-2128	615	5	6	6	NUM
easat-2128	615	6	,	,	PUNCT
easat-2128	615	7	pp	pp	ADJ
easat-2128	615	8	.	.	PUNCT
easat-2128	616	1	1274–1287	1274–1287	NUM
easat-2128	616	2	,	,	PUNCT
easat-2128	616	3	2010	2010	NUM
easat-2128	616	4	,	,	PUNCT
easat-2128	616	5	doi	doi	NOUN
easat-2128	616	6	:	:	PUNCT
easat-2128	616	7	10.1016	10.1016	NUM
easat-2128	616	8	/	/	SYM
easat-2128	616	9	j.jbankfin.2009.11.024	j.jbankfin.2009.11.024	PROPN
easat-2128	616	10	.	.	PUNCT
easat-2128	617	1	[	[	X
easat-2128	617	2	84	84	NUM
easat-2128	617	3	]	]	X
easat-2128	617	4	e.	e.	PROPN
easat-2128	617	5	beccalli	beccalli	PROPN
easat-2128	617	6	,	,	PUNCT
easat-2128	617	7	“	"	PUNCT
easat-2128	617	8	does	do	AUX
easat-2128	617	9	it	it	PRON
easat-2128	617	10	investment	investment	NOUN
easat-2128	617	11	improve	improve	VERB
easat-2128	617	12	bank	bank	NOUN
easat-2128	617	13	performance	performance	NOUN
easat-2128	617	14	?	?	PUNCT
easat-2128	618	1	evidence	evidence	NOUN
easat-2128	618	2	from	from	ADP
easat-2128	618	3	europe	europe	PROPN
easat-2128	618	4	,	,	PUNCT
easat-2128	618	5	”	"	PUNCT
easat-2128	618	6	j.	j.	PROPN
easat-2128	618	7	bank	bank	PROPN
easat-2128	618	8	.	.	PUNCT
easat-2128	619	1	financ	financ	PROPN
easat-2128	619	2	.	.	PUNCT
easat-2128	619	3	,	,	PUNCT
easat-2128	619	4	vol	vol	NOUN
easat-2128	619	5	.	.	PROPN
easat-2128	620	1	31	31	NUM
easat-2128	620	2	,	,	PUNCT
easat-2128	620	3	no	no	INTJ
easat-2128	620	4	.	.	NOUN
easat-2128	620	5	7	7	NUM
easat-2128	620	6	,	,	PUNCT
easat-2128	620	7	pp	pp	ADJ
easat-2128	620	8	.	.	PUNCT
easat-2128	621	1	2205–2230	2205–2230	NUM
easat-2128	621	2	,	,	PUNCT
easat-2128	621	3	2007	2007	NUM
easat-2128	621	4	,	,	PUNCT
easat-2128	621	5	doi	doi	NOUN
easat-2128	621	6	:	:	PUNCT
easat-2128	621	7	10.1016	10.1016	NUM
easat-2128	621	8	/	/	SYM
easat-2128	621	9	j.jbankfin.2006.10.022	j.jbankfin.2006.10.022	NOUN
easat-2128	621	10	.	.	PUNCT
easat-2128	622	1	[	[	X
easat-2128	622	2	85	85	NUM
easat-2128	622	3	]	]	PUNCT
easat-2128	622	4	s.	s.	PROPN
easat-2128	622	5	p.	p.	PROPN
easat-2128	622	6	lee	lee	PROPN
easat-2128	622	7	and	and	CCONJ
easat-2128	622	8	m.	m.	PROPN
easat-2128	622	9	isa	isa	PROPN
easat-2128	622	10	,	,	PUNCT
easat-2128	622	11	“	"	PUNCT
easat-2128	622	12	article	article	NOUN
easat-2128	622	13	information	information	NOUN
easat-2128	622	14	 	 	SPACE
easat-2128	622	15	:	:	PUNCT
easat-2128	622	16	,	,	PUNCT
easat-2128	622	17	”	"	PUNCT
easat-2128	622	18	manag	manag	NOUN
easat-2128	622	19	.	.	PUNCT
easat-2128	623	1	financ	financ	PROPN
easat-2128	623	2	.	.	PUNCT
easat-2128	623	3	,	,	PUNCT
easat-2128	623	4	vol	vol	NOUN
easat-2128	623	5	.	.	PROPN
easat-2128	624	1	43	43	NUM
easat-2128	624	2	,	,	PUNCT
easat-2128	624	3	no	no	INTJ
easat-2128	624	4	.	.	NOUN
easat-2128	624	5	6	6	NUM
easat-2128	624	6	,	,	PUNCT
easat-2128	624	7	2017	2017	NUM
easat-2128	624	8	,	,	PUNCT
easat-2128	624	9	doi	doi	NOUN
easat-2128	624	10	:	:	PUNCT
easat-2128	624	11	10.1108	10.1108	NUM
easat-2128	624	12	/	/	SYM
easat-2128	624	13	mf-07	mf-07	NOUN
easat-2128	624	14	-	-	PUNCT
easat-2128	624	15	2016	2016	NUM
easat-2128	624	16	-	-	PUNCT
easat-2128	624	17	0189	0189	NUM
easat-2128	624	18	.	.	PUNCT
easat-2128	625	1	[	[	X
easat-2128	625	2	86	86	NUM
easat-2128	625	3	]	]	PUNCT
easat-2128	625	4	a.	a.	PROPN
easat-2128	625	5	n.	n.	PROPN
easat-2128	625	6	berger	berger	PROPN
easat-2128	625	7	,	,	PUNCT
easat-2128	625	8	c.	c.	PROPN
easat-2128	625	9	h.	h.	PROPN
easat-2128	625	10	s.	s.	PROPN
easat-2128	625	11	bouwman	bouwman	PROPN
easat-2128	625	12	,	,	PUNCT
easat-2128	625	13	and	and	CCONJ
easat-2128	625	14	a.	a.	PROPN
easat-2128	625	15	n.	n.	PROPN
easat-2128	625	16	berger	berger	PROPN
easat-2128	625	17	,	,	PUNCT
easat-2128	625	18	“	"	PUNCT
easat-2128	625	19	bank	bank	NOUN
easat-2128	625	20	liquidity	liquidity	NOUN
easat-2128	625	21	creation	creation	NOUN
easat-2128	625	22	,	,	PUNCT
easat-2128	625	23	”	"	PUNCT
easat-2128	625	24	vol	vol	NOUN
easat-2128	625	25	.	.	PROPN
easat-2128	626	1	22	22	NUM
easat-2128	626	2	,	,	PUNCT
easat-2128	626	3	no	no	INTJ
easat-2128	626	4	.	.	NOUN
easat-2128	626	5	9	9	NUM
easat-2128	626	6	,	,	PUNCT
easat-2128	626	7	pp	pp	ADJ
easat-2128	626	8	.	.	PUNCT
easat-2128	627	1	3779–3837	3779–3837	NUM
easat-2128	627	2	,	,	PUNCT
easat-2128	627	3	2009	2009	NUM
easat-2128	627	4	.	.	PUNCT
easat-2128	628	1	[	[	X
easat-2128	628	2	87	87	NUM
easat-2128	628	3	]	]	PUNCT
easat-2128	628	4	a.	a.	PROPN
easat-2128	628	5	n.	n.	PROPN
easat-2128	628	6	berger	berger	PROPN
easat-2128	628	7	and	and	CCONJ
easat-2128	628	8	c.	c.	PROPN
easat-2128	628	9	h.	h.	PROPN
easat-2128	628	10	s.	s.	PROPN
easat-2128	628	11	bouwman	bouwman	PROPN
easat-2128	628	12	,	,	PUNCT
easat-2128	628	13	“	"	PUNCT
easat-2128	628	14	bank	bank	NOUN
easat-2128	628	15	liquidity	liquidity	NOUN
easat-2128	628	16	creation	creation	NOUN
easat-2128	628	17	,	,	PUNCT
easat-2128	628	18	monetary	monetary	ADJ
easat-2128	628	19	policy	policy	NOUN
easat-2128	628	20	,	,	PUNCT
easat-2128	628	21	and	and	CCONJ
easat-2128	628	22	financial	financial	ADJ
easat-2128	628	23	crises	crisis	NOUN
easat-2128	628	24	,	,	PUNCT
easat-2128	628	25	”	"	PUNCT
easat-2128	628	26	j.	j.	PROPN
easat-2128	628	27	financ	financ	PROPN
easat-2128	628	28	.	.	PUNCT
easat-2128	629	1	stab	stab	PROPN
easat-2128	629	2	.	.	PUNCT
easat-2128	630	1	,	,	PUNCT
easat-2128	630	2	vol	vol	NOUN
easat-2128	630	3	.	.	PROPN
easat-2128	630	4	30	30	NUM
easat-2128	630	5	,	,	PUNCT
easat-2128	630	6	pp	pp	ADJ
easat-2128	630	7	.	.	PUNCT
easat-2128	631	1	139–155	139–155	NUM
easat-2128	631	2	,	,	PUNCT
easat-2128	631	3	2017	2017	NUM
easat-2128	631	4	,	,	PUNCT
easat-2128	631	5	doi	doi	NOUN
easat-2128	631	6	:	:	PUNCT
easat-2128	631	7	10.1016	10.1016	NUM
easat-2128	631	8	/	/	SYM
easat-2128	631	9	j.jfs.2017.05.001	j.jfs.2017.05.001	PROPN
easat-2128	631	10	.	.	PUNCT
easat-2128	632	1	[	[	X
easat-2128	632	2	88	88	NUM
easat-2128	632	3	]	]	PUNCT
easat-2128	632	4	t.	t.	PROPN
easat-2128	632	5	beck	beck	PROPN
easat-2128	632	6	,	,	PUNCT
easat-2128	632	7	k.	k.	PROPN
easat-2128	632	8	a.	a.	PROPN
easat-2128	632	9	demirgüç	demirgüç	PROPN
easat-2128	632	10	,	,	PUNCT
easat-2128	632	11	and	and	CCONJ
easat-2128	632	12	o.	o.	PROPN
easat-2128	632	13	merrouche	merrouche	PROPN
easat-2128	632	14	,	,	PUNCT
easat-2128	632	15	“	"	PUNCT
easat-2128	632	16	islamic	islamic	X
easat-2128	632	17	vs.	vs.	ADP
easat-2128	632	18	conventional	conventional	ADJ
easat-2128	632	19	banking	banking	NOUN
easat-2128	632	20	:	:	PUNCT
easat-2128	632	21	business	business	NOUN
easat-2128	632	22	model	model	NOUN
easat-2128	632	23	,	,	PUNCT
easat-2128	632	24	efficiency	efficiency	NOUN
easat-2128	632	25	and	and	CCONJ
easat-2128	632	26	stability	stability	NOUN
easat-2128	632	27	,	,	PUNCT
easat-2128	632	28	”	"	PUNCT
easat-2128	632	29	j.	j.	PROPN
easat-2128	632	30	bank	bank	PROPN
easat-2128	632	31	.	.	PUNCT
easat-2128	633	1	financ	financ	PROPN
easat-2128	633	2	.	.	PUNCT
easat-2128	633	3	,	,	PUNCT
easat-2128	633	4	vol	vol	NOUN
easat-2128	633	5	.	.	PROPN
easat-2128	634	1	37	37	NUM
easat-2128	634	2	,	,	PUNCT
easat-2128	634	3	no	no	INTJ
easat-2128	634	4	.	.	NOUN
easat-2128	634	5	2	2	NUM
easat-2128	634	6	,	,	PUNCT
easat-2128	634	7	pp	pp	ADJ
easat-2128	634	8	.	.	PUNCT
easat-2128	635	1	433–447	433–447	NUM
easat-2128	635	2	,	,	PUNCT
easat-2128	635	3	2013	2013	NUM
easat-2128	635	4	,	,	PUNCT
easat-2128	635	5	doi	doi	NOUN
easat-2128	635	6	:	:	PUNCT
easat-2128	635	7	10.1016	10.1016	NUM
easat-2128	635	8	/	/	SYM
easat-2128	635	9	j.jbankfin.2012.09.016	j.jbankfin.2012.09.016	PROPN
easat-2128	635	10	.	.	PUNCT
easat-2128	636	1	[	[	X
easat-2128	636	2	89	89	NUM
easat-2128	636	3	]	]	PUNCT
easat-2128	636	4	p.	p.	NOUN
easat-2128	636	5	abedifar	abedifar	ADV
easat-2128	636	6	,	,	PUNCT
easat-2128	636	7	p.	p.	PROPN
easat-2128	636	8	molyneux	molyneux	PROPN
easat-2128	636	9	,	,	PUNCT
easat-2128	636	10	and	and	CCONJ
easat-2128	636	11	a.	a.	NOUN
easat-2128	636	12	tarazi	tarazi	NOUN
easat-2128	636	13	,	,	PUNCT
easat-2128	636	14	“	"	PUNCT
easat-2128	636	15	non	non	ADJ
easat-2128	636	16	-	-	ADJ
easat-2128	636	17	interest	interest	ADJ
easat-2128	636	18	income	income	NOUN
easat-2128	636	19	and	and	CCONJ
easat-2128	636	20	bank	bank	NOUN
easat-2128	636	21	lending	lending	NOUN
easat-2128	636	22	,	,	PUNCT
easat-2128	636	23	”	"	PUNCT
easat-2128	636	24	j.	j.	PROPN
easat-2128	636	25	bank	bank	PROPN
easat-2128	636	26	.	.	PUNCT
easat-2128	637	1	financ	financ	PROPN
easat-2128	637	2	.	.	PROPN
easat-2128	637	3	,	,	PUNCT
easat-2128	637	4	2018	2018	NUM
easat-2128	637	5	,	,	PUNCT
easat-2128	638	1	[	[	X
easat-2128	638	2	online	online	X
easat-2128	638	3	]	]	X
easat-2128	638	4	.	.	PUNCT
easat-2128	639	1	available	available	ADJ
easat-2128	639	2	:	:	PUNCT
easat-2128	640	1	https://www.sciencedirect.com/science/article/pii/s037842661730273x	https://www.sciencedirect.com/science/article/pii/s037842661730273x	PRON
easat-2128	641	1	[	[	X
easat-2128	641	2	90	90	NUM
easat-2128	641	3	]	]	PUNCT
easat-2128	641	4	j.	j.	PROPN
easat-2128	641	5	bryant	bryant	PROPN
easat-2128	641	6	,	,	PUNCT
easat-2128	641	7	“	"	PUNCT
easat-2128	641	8	a	a	DET
easat-2128	641	9	model	model	NOUN
easat-2128	641	10	of	of	ADP
easat-2128	641	11	reserves	reserve	NOUN
easat-2128	641	12	,	,	PUNCT
easat-2128	641	13	bank	bank	NOUN
easat-2128	641	14	runs	run	NOUN
easat-2128	641	15	,	,	PUNCT
easat-2128	641	16	and	and	CCONJ
easat-2128	641	17	deposit	deposit	NOUN
easat-2128	641	18	insurance	insurance	NOUN
easat-2128	641	19	,	,	PUNCT
easat-2128	641	20	”	"	PUNCT
easat-2128	641	21	j.	j.	PROPN
easat-2128	641	22	bank	bank	PROPN
easat-2128	641	23	.	.	PUNCT
easat-2128	642	1	financ	financ	PROPN
easat-2128	642	2	.	.	PUNCT
easat-2128	642	3	,	,	PUNCT
easat-2128	642	4	vol	vol	NOUN
easat-2128	642	5	.	.	PROPN
easat-2128	642	6	4	4	NUM
easat-2128	642	7	,	,	PUNCT
easat-2128	642	8	no	no	INTJ
easat-2128	642	9	.	.	NOUN
easat-2128	642	10	4	4	NUM
easat-2128	642	11	,	,	PUNCT
easat-2128	642	12	pp	pp	ADJ
easat-2128	642	13	.	.	PUNCT
easat-2128	643	1	335–344	335–344	NUM
easat-2128	643	2	,	,	PUNCT
easat-2128	643	3	1980	1980	NUM
easat-2128	643	4	,	,	PUNCT
easat-2128	643	5	doi	doi	NOUN
easat-2128	643	6	:	:	PUNCT
easat-2128	643	7	10.1016/0378	10.1016/0378	NUM
easat-2128	643	8	-	-	PUNCT
easat-2128	643	9	4266(80)90012	4266(80)90012	NOUN
easat-2128	643	10	-	-	PUNCT
easat-2128	643	11	6	6	NUM
easat-2128	643	12	.	.	PUNCT
easat-2128	644	1	[	[	X
easat-2128	644	2	91	91	NUM
easat-2128	644	3	]	]	X
easat-2128	644	4	d.	d.	PROPN
easat-2128	644	5	w.	w.	PROPN
easat-2128	644	6	diamond	diamond	PROPN
easat-2128	644	7	and	and	CCONJ
easat-2128	644	8	p.	p.	PROPN
easat-2128	644	9	h.	h.	PROPN
easat-2128	644	10	dybvig	dybvig	PROPN
easat-2128	644	11	,	,	PUNCT
easat-2128	644	12	“	"	PUNCT
easat-2128	644	13	bank	bank	NOUN
easat-2128	644	14	runs	run	NOUN
easat-2128	644	15	,	,	PUNCT
easat-2128	644	16	deposit	deposit	NOUN
easat-2128	644	17	insurance	insurance	NOUN
easat-2128	644	18	,	,	PUNCT
easat-2128	644	19	and	and	CCONJ
easat-2128	644	20	liquidity	liquidity	NOUN
easat-2128	644	21	,	,	PUNCT
easat-2128	644	22	”	"	PUNCT
easat-2128	644	23	j.	j.	PROPN
easat-2128	644	24	polit	polit	PROPN
easat-2128	644	25	.	.	PROPN
easat-2128	644	26	econ	econ	PROPN
easat-2128	644	27	.	.	PROPN
easat-2128	644	28	,	,	PUNCT
easat-2128	644	29	vol	vol	NOUN
easat-2128	644	30	.	.	PROPN
easat-2128	644	31	91	91	NUM
easat-2128	644	32	,	,	PUNCT
easat-2128	644	33	no	no	INTJ
easat-2128	644	34	.	.	NOUN
easat-2128	644	35	3	3	NUM
easat-2128	644	36	,	,	PUNCT
easat-2128	644	37	pp	pp	ADJ
easat-2128	644	38	.	.	PUNCT
easat-2128	645	1	401	401	NUM
easat-2128	645	2	–	–	PUNCT
easat-2128	645	3	419	419	NUM
easat-2128	645	4	,	,	PUNCT
easat-2128	645	5	1983	1983	NUM
easat-2128	645	6	,	,	PUNCT
easat-2128	645	7	doi	doi	NOUN
easat-2128	645	8	:	:	PUNCT
easat-2128	645	9	10.1086/261155	10.1086/261155	NUM
easat-2128	645	10	.	.	PUNCT
easat-2128	646	1	[	[	X
easat-2128	646	2	92	92	NUM
easat-2128	646	3	]	]	PUNCT
easat-2128	646	4	a.	a.	NOUN
easat-2128	646	5	ben	ben	PROPN
easat-2128	646	6	salem	salem	PROPN
easat-2128	646	7	and	and	CCONJ
easat-2128	646	8	i.	i.	PROPN
easat-2128	646	9	ben	ben	PROPN
easat-2128	646	10	abdelkader	abdelkader	PROPN
easat-2128	646	11	,	,	PUNCT
easat-2128	646	12	“	"	PUNCT
easat-2128	646	13	diversification	diversification	NOUN
easat-2128	646	14	and	and	CCONJ
easat-2128	646	15	performance	performance	NOUN
easat-2128	646	16	of	of	ADP
easat-2128	646	17	microfinance	microfinance	NOUN
easat-2128	646	18	institutions	institution	NOUN
easat-2128	646	19	:	:	PUNCT
easat-2128	646	20	does	do	VERB
easat-2128	646	21	islamic	islamic	PROPN
easat-2128	646	22	microfinance	microfinance	NOUN
easat-2128	646	23	model	model	NOUN
easat-2128	646	24	matter	matter	NOUN
easat-2128	646	25	?	?	PUNCT
easat-2128	646	26	,	,	PUNCT
easat-2128	646	27	”	"	PUNCT
easat-2128	646	28	int	int	NOUN
easat-2128	646	29	.	.	PUNCT
easat-2128	647	1	j.	j.	PROPN
easat-2128	647	2	islam	islam	PROPN
easat-2128	647	3	.	.	PUNCT
easat-2128	648	1	middle	middle	PROPN
easat-2128	648	2	east	east	PROPN
easat-2128	648	3	.	.	PUNCT
easat-2128	649	1	financ	financ	PROPN
easat-2128	649	2	.	.	PUNCT
easat-2128	650	1	manag	manag	PROPN
easat-2128	650	2	.	.	PROPN
easat-2128	650	3	,	,	PUNCT
easat-2128	650	4	vol	vol	NOUN
easat-2128	650	5	.	.	PROPN
easat-2128	651	1	16	16	NUM
easat-2128	651	2	,	,	PUNCT
easat-2128	651	3	no	no	INTJ
easat-2128	651	4	.	.	NOUN
easat-2128	651	5	5	5	NUM
easat-2128	651	6	,	,	PUNCT
easat-2128	651	7	pp	pp	ADJ
easat-2128	651	8	.	.	PUNCT
easat-2128	652	1	975–995	975–995	NUM
easat-2128	652	2	,	,	PUNCT
easat-2128	652	3	2023	2023	NUM
easat-2128	652	4	,	,	PUNCT
easat-2128	652	5	doi	doi	NOUN
easat-2128	652	6	:	:	PUNCT
easat-2128	652	7	10.1108	10.1108	NUM
easat-2128	652	8	/	/	SYM
easat-2128	652	9	imefm-01	imefm-01	NOUN
easat-2128	652	10	-	-	PUNCT
easat-2128	652	11	2022	2022	NUM
easat-2128	652	12	-	-	PUNCT
easat-2128	652	13	0031	0031	NUM
easat-2128	652	14	.	.	PUNCT
easat-2128	653	1	[	[	X
easat-2128	653	2	93	93	NUM
easat-2128	653	3	]	]	PUNCT
easat-2128	653	4	a.	a.	NOUN
easat-2128	653	5	mirzaei	mirzaei	PROPN
easat-2128	653	6	,	,	PUNCT
easat-2128	653	7	m.	m.	NOUN
easat-2128	653	8	saad	saad	NOUN
easat-2128	653	9	,	,	PUNCT
easat-2128	653	10	and	and	CCONJ
easat-2128	653	11	a.	a.	NOUN
easat-2128	653	12	emrouznejad	emrouznejad	NOUN
easat-2128	653	13	,	,	PUNCT
easat-2128	653	14	“	"	PUNCT
easat-2128	653	15	bank	bank	NOUN
easat-2128	653	16	stock	stock	NOUN
easat-2128	653	17	performance	performance	NOUN
easat-2128	653	18	during	during	ADP
easat-2128	653	19	the	the	DET
easat-2128	653	20	covid-19	covid-19	PROPN
easat-2128	653	21	crisis	crisis	NOUN
easat-2128	653	22	:	:	PUNCT
easat-2128	653	23	does	do	AUX
easat-2128	653	24	efficiency	efficiency	NOUN
easat-2128	653	25	explain	explain	VERB
easat-2128	653	26	why	why	SCONJ
easat-2128	653	27	islamic	islamic	ADJ
easat-2128	653	28	banks	bank	NOUN
easat-2128	653	29	fared	fare	VERB
easat-2128	653	30	relatively	relatively	ADV
easat-2128	653	31	better	well	ADV
easat-2128	653	32	?	?	PUNCT
easat-2128	654	1	,	,	PUNCT
easat-2128	654	2	”	"	PUNCT
easat-2128	654	3	ann	ann	PROPN
easat-2128	654	4	.	.	PUNCT
easat-2128	654	5	oper	oper	PROPN
easat-2128	654	6	.	.	PUNCT
easat-2128	654	7	res	res	PROPN
easat-2128	654	8	.	.	PROPN
easat-2128	654	9	,	,	PUNCT
easat-2128	654	10	2022	2022	NUM
easat-2128	654	11	,	,	PUNCT
easat-2128	654	12	doi	doi	NOUN
easat-2128	654	13	:	:	PUNCT
easat-2128	654	14	10.1007	10.1007	NUM
easat-2128	654	15	/	/	SYM
easat-2128	654	16	s10479	s10479	PROPN
easat-2128	654	17	-	-	PUNCT
easat-2128	654	18	022	022	NUM
easat-2128	654	19	-	-	PUNCT
easat-2128	654	20	04600	04600	NUM
easat-2128	654	21	-	-	PUNCT
easat-2128	654	22	y.	y.	NOUN