id	sid	tid	token	lemma	pos
easat-7157	1	1	edelweiss	edelweiss	PROPN
easat-7157	1	2	applied	apply	VERB
easat-7157	1	3	science	science	NOUN
easat-7157	1	4	and	and	CCONJ
easat-7157	1	5	technology	technology	NOUN
easat-7157	1	6	issn	issn	PROPN
easat-7157	1	7	:	:	PUNCT
easat-7157	1	8	2576	2576	NUM
easat-7157	1	9	-	-	SYM
easat-7157	1	10	8484	8484	NUM
easat-7157	1	11	vol	vol	NOUN
easat-7157	1	12	.	.	PROPN
easat-7157	2	1	9	9	NUM
easat-7157	2	2	,	,	PUNCT
easat-7157	2	3	no	no	INTJ
easat-7157	2	4	.	.	NOUN
easat-7157	2	5	5	5	NUM
easat-7157	2	6	,	,	PUNCT
easat-7157	2	7	1303	1303	NUM
easat-7157	2	8	-	-	SYM
easat-7157	2	9	1323	1323	NUM
easat-7157	2	10	2025	2025	NUM
easat-7157	2	11	publisher	publisher	NOUN
easat-7157	2	12	:	:	PUNCT
easat-7157	2	13	learning	learn	VERB
easat-7157	2	14	gate	gate	NOUN
easat-7157	2	15	doi	doi	PROPN
easat-7157	2	16	:	:	PUNCT
easat-7157	2	17	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	2	18	©	©	ADP
easat-7157	2	19	2025	2025	NUM
easat-7157	2	20	by	by	ADP
easat-7157	2	21	the	the	DET
easat-7157	2	22	authors	author	NOUN
easat-7157	2	23	;	;	PUNCT
easat-7157	2	24	licensee	licensee	PROPN
easat-7157	2	25	learning	learning	NOUN
easat-7157	2	26	gate	gate	NOUN
easat-7157	3	1	©	©	PROPN
easat-7157	3	2	2025	2025	NUM
easat-7157	3	3	by	by	ADP
easat-7157	3	4	the	the	DET
easat-7157	3	5	authors	author	NOUN
easat-7157	3	6	;	;	PUNCT
easat-7157	3	7	licensee	licensee	PROPN
easat-7157	3	8	learning	learning	NOUN
easat-7157	3	9	gate	gate	NOUN
easat-7157	3	10	history	history	NOUN
easat-7157	3	11	:	:	PUNCT
easat-7157	3	12	received	receive	VERB
easat-7157	3	13	:	:	PUNCT
easat-7157	3	14	12	12	NUM
easat-7157	3	15	march	march	NOUN
easat-7157	3	16	2025	2025	NUM
easat-7157	3	17	;	;	PUNCT
easat-7157	3	18	revised	revise	VERB
easat-7157	3	19	:	:	PUNCT
easat-7157	3	20	24	24	NUM
easat-7157	3	21	april	april	PROPN
easat-7157	3	22	2025	2025	NUM
easat-7157	3	23	;	;	PUNCT
easat-7157	3	24	accepted	accept	VERB
easat-7157	3	25	:	:	PUNCT
easat-7157	3	26	29	29	NUM
easat-7157	3	27	april	april	PROPN
easat-7157	3	28	2025	2025	NUM
easat-7157	3	29	;	;	PUNCT
easat-7157	3	30	published	publish	VERB
easat-7157	3	31	:	:	PUNCT
easat-7157	4	1	14	14	NUM
easat-7157	4	2	may	may	PROPN
easat-7157	4	3	2025	2025	NUM
easat-7157	4	4	*	*	PUNCT
easat-7157	4	5	correspondence	correspondence	NOUN
easat-7157	4	6	:	:	PUNCT
easat-7157	4	7	yulita@usm.my	yulita@usm.my	ADP
easat-7157	4	8	the	the	DET
easat-7157	4	9	role	role	NOUN
easat-7157	4	10	of	of	ADP
easat-7157	4	11	artificial	artificial	ADJ
easat-7157	4	12	intelligence	intelligence	NOUN
easat-7157	4	13	in	in	ADP
easat-7157	4	14	financial	financial	ADJ
easat-7157	4	15	inclusion	inclusion	NOUN
easat-7157	4	16	in	in	ADP
easat-7157	4	17	emerging	emerge	VERB
easat-7157	4	18	markets	market	NOUN
easat-7157	4	19	:	:	PUNCT
easat-7157	4	20	a	a	DET
easat-7157	4	21	conceptual	conceptual	ADJ
easat-7157	4	22	review	review	NOUN
easat-7157	4	23	alrsheedi	alrsheedi	PROPN
easat-7157	4	24	ali1	ali1	PROPN
easat-7157	4	25	,	,	PUNCT
easat-7157	4	26	yulita	yulita	PROPN
easat-7157	4	27	hanum	hanum	PROPN
easat-7157	4	28	p	p	PROPN
easat-7157	4	29	iskandar2	iskandar2	PROPN
easat-7157	4	30	*	*	PUNCT
easat-7157	5	1	1,2graduate	1,2graduate	NUM
easat-7157	5	2	school	school	NOUN
easat-7157	5	3	of	of	ADP
easat-7157	5	4	business	business	NOUN
easat-7157	5	5	,	,	PUNCT
easat-7157	5	6	universiti	universiti	PROPN
easat-7157	5	7	sains	sain	VERB
easat-7157	5	8	malaysia	malaysia	PROPN
easat-7157	5	9	,	,	PUNCT
easat-7157	5	10	11800	11800	NUM
easat-7157	5	11	usm	usm	ADJ
easat-7157	5	12	,	,	PUNCT
easat-7157	5	13	pulau	pulau	PROPN
easat-7157	5	14	pinang	pinang	PROPN
easat-7157	5	15	,	,	PUNCT
easat-7157	5	16	malaysia	malaysia	PROPN
easat-7157	5	17	;	;	PUNCT
easat-7157	5	18	yulita@usm.my	yulita@usm.my	PROPN
easat-7157	5	19	(	(	PUNCT
easat-7157	5	20	y.h.p.i	y.h.p.i	PROPN
easat-7157	5	21	.	.	PUNCT
easat-7157	5	22	)	)	PUNCT
easat-7157	5	23	.	.	PUNCT
easat-7157	6	1	abstract	abstract	ADJ
easat-7157	6	2	:	:	PUNCT
easat-7157	6	3	technological	technological	ADJ
easat-7157	6	4	advancements	advancement	NOUN
easat-7157	6	5	have	have	AUX
easat-7157	6	6	significantly	significantly	ADV
easat-7157	6	7	transformed	transform	VERB
easat-7157	6	8	the	the	DET
easat-7157	6	9	financial	financial	ADJ
easat-7157	6	10	services	service	NOUN
easat-7157	6	11	industry	industry	NOUN
easat-7157	6	12	with	with	ADP
easat-7157	6	13	the	the	DET
easat-7157	6	14	increasing	increase	VERB
easat-7157	6	15	implementation	implementation	NOUN
easat-7157	6	16	of	of	ADP
easat-7157	6	17	artificial	artificial	ADJ
easat-7157	6	18	intelligence	intelligence	NOUN
easat-7157	6	19	(	(	PUNCT
easat-7157	6	20	ai	ai	NOUN
easat-7157	6	21	)	)	PUNCT
easat-7157	6	22	.	.	PUNCT
easat-7157	7	1	therefore	therefore	ADV
easat-7157	7	2	,	,	PUNCT
easat-7157	7	3	the	the	DET
easat-7157	7	4	rapid	rapid	ADJ
easat-7157	7	5	growth	growth	NOUN
easat-7157	7	6	of	of	ADP
easat-7157	7	7	ai	ai	NOUN
easat-7157	7	8	and	and	CCONJ
easat-7157	7	9	its	its	PRON
easat-7157	7	10	potential	potential	NOUN
easat-7157	7	11	to	to	PART
easat-7157	7	12	drive	drive	VERB
easat-7157	7	13	financial	financial	ADJ
easat-7157	7	14	inclusion	inclusion	NOUN
easat-7157	7	15	,	,	PUNCT
easat-7157	7	16	particularly	particularly	ADV
easat-7157	7	17	in	in	ADP
easat-7157	7	18	emerging	emerge	VERB
easat-7157	7	19	markets	market	NOUN
easat-7157	7	20	,	,	PUNCT
easat-7157	7	21	has	have	AUX
easat-7157	7	22	highlighted	highlight	VERB
easat-7157	7	23	a	a	DET
easat-7157	7	24	critical	critical	ADJ
easat-7157	7	25	research	research	NOUN
easat-7157	7	26	gap	gap	NOUN
easat-7157	7	27	in	in	ADP
easat-7157	7	28	the	the	DET
easat-7157	7	29	conceptual	conceptual	ADJ
easat-7157	7	30	and	and	CCONJ
easat-7157	7	31	theoretical	theoretical	ADJ
easat-7157	7	32	frameworks	framework	NOUN
easat-7157	7	33	.	.	PUNCT
easat-7157	8	1	this	this	DET
easat-7157	8	2	gap	gap	NOUN
easat-7157	8	3	continues	continue	VERB
easat-7157	8	4	to	to	PART
easat-7157	8	5	stifle	stifle	VERB
easat-7157	8	6	the	the	DET
easat-7157	8	7	effective	effective	ADJ
easat-7157	8	8	application	application	NOUN
easat-7157	8	9	of	of	ADP
easat-7157	8	10	ai	ai	NOUN
easat-7157	8	11	in	in	ADP
easat-7157	8	12	the	the	DET
easat-7157	8	13	financial	financial	ADJ
easat-7157	8	14	domain	domain	NOUN
easat-7157	8	15	.	.	PUNCT
easat-7157	9	1	this	this	DET
easat-7157	9	2	study	study	NOUN
easat-7157	9	3	is	be	AUX
easat-7157	9	4	unique	unique	ADJ
easat-7157	9	5	because	because	SCONJ
easat-7157	9	6	it	it	PRON
easat-7157	9	7	merges	merge	VERB
easat-7157	9	8	social	social	ADJ
easat-7157	9	9	influence	influence	NOUN
easat-7157	9	10	and	and	CCONJ
easat-7157	9	11	ethical	ethical	ADJ
easat-7157	9	12	considerations	consideration	NOUN
easat-7157	9	13	into	into	ADP
easat-7157	9	14	the	the	DET
easat-7157	9	15	toe	toe	NOUN
easat-7157	9	16	framework	framework	NOUN
easat-7157	9	17	and	and	CCONJ
easat-7157	9	18	doi	doi	NOUN
easat-7157	9	19	theory	theory	NOUN
easat-7157	9	20	to	to	PART
easat-7157	9	21	enhance	enhance	VERB
easat-7157	9	22	the	the	DET
easat-7157	9	23	existing	exist	VERB
easat-7157	9	24	body	body	NOUN
easat-7157	9	25	of	of	ADP
easat-7157	9	26	knowledge	knowledge	NOUN
easat-7157	9	27	.	.	PUNCT
easat-7157	10	1	we	we	PRON
easat-7157	10	2	propose	propose	VERB
easat-7157	10	3	that	that	SCONJ
easat-7157	10	4	technological	technological	ADJ
easat-7157	10	5	and	and	CCONJ
easat-7157	10	6	organizational	organizational	ADJ
easat-7157	10	7	readiness	readiness	NOUN
easat-7157	10	8	,	,	PUNCT
easat-7157	10	9	social	social	ADJ
easat-7157	10	10	influence	influence	NOUN
easat-7157	10	11	,	,	PUNCT
easat-7157	10	12	and	and	CCONJ
easat-7157	10	13	ethical	ethical	ADJ
easat-7157	10	14	considerations	consideration	NOUN
easat-7157	10	15	are	be	AUX
easat-7157	10	16	key	key	ADJ
easat-7157	10	17	drivers	driver	NOUN
easat-7157	10	18	of	of	ADP
easat-7157	10	19	ai	ai	PRON
easat-7157	10	20	adoption	adoption	NOUN
easat-7157	10	21	and	and	CCONJ
easat-7157	10	22	promoters	promoter	NOUN
easat-7157	10	23	of	of	ADP
easat-7157	10	24	financial	financial	ADJ
easat-7157	10	25	inclusion	inclusion	NOUN
easat-7157	10	26	.	.	PUNCT
easat-7157	11	1	an	an	DET
easat-7157	11	2	integrative	integrative	ADJ
easat-7157	11	3	review	review	NOUN
easat-7157	11	4	covering	cover	VERB
easat-7157	11	5	the	the	DET
easat-7157	11	6	period	period	NOUN
easat-7157	11	7	from	from	ADP
easat-7157	11	8	2018	2018	NUM
easat-7157	11	9	to	to	ADP
easat-7157	11	10	2023	2023	NUM
easat-7157	11	11	and	and	CCONJ
easat-7157	11	12	based	base	VERB
easat-7157	11	13	on	on	ADP
easat-7157	11	14	the	the	DET
easat-7157	11	15	scopus	scopus	PROPN
easat-7157	11	16	database	database	NOUN
easat-7157	11	17	,	,	PUNCT
easat-7157	11	18	combined	combine	VERB
easat-7157	11	19	with	with	ADP
easat-7157	11	20	a	a	DET
easat-7157	11	21	bibliometric	bibliometric	ADJ
easat-7157	11	22	approach	approach	NOUN
easat-7157	11	23	,	,	PUNCT
easat-7157	11	24	was	be	AUX
easat-7157	11	25	employed	employ	VERB
easat-7157	11	26	to	to	PART
easat-7157	11	27	analyze	analyze	VERB
easat-7157	11	28	the	the	DET
easat-7157	11	29	growth	growth	NOUN
easat-7157	11	30	of	of	ADP
easat-7157	11	31	the	the	DET
easat-7157	11	32	literature	literature	NOUN
easat-7157	11	33	,	,	PUNCT
easat-7157	11	34	identify	identify	VERB
easat-7157	11	35	leading	lead	VERB
easat-7157	11	36	countries	country	NOUN
easat-7157	11	37	in	in	ADP
easat-7157	11	38	ai	ai	PROPN
easat-7157	11	39	research	research	NOUN
easat-7157	11	40	,	,	PUNCT
easat-7157	11	41	and	and	CCONJ
easat-7157	11	42	establish	establish	VERB
easat-7157	11	43	key	key	ADJ
easat-7157	11	44	themes	theme	NOUN
easat-7157	11	45	and	and	CCONJ
easat-7157	11	46	keywords	keyword	NOUN
easat-7157	11	47	.	.	PUNCT
easat-7157	12	1	this	this	DET
easat-7157	12	2	study	study	NOUN
easat-7157	12	3	provides	provide	VERB
easat-7157	12	4	a	a	DET
easat-7157	12	5	holistic	holistic	ADJ
easat-7157	12	6	perspective	perspective	NOUN
easat-7157	12	7	on	on	ADP
easat-7157	12	8	existing	exist	VERB
easat-7157	12	9	academic	academic	ADJ
easat-7157	12	10	studies	study	NOUN
easat-7157	12	11	using	use	VERB
easat-7157	12	12	the	the	DET
easat-7157	12	13	proposed	propose	VERB
easat-7157	12	14	model	model	NOUN
easat-7157	12	15	based	base	VERB
easat-7157	12	16	on	on	ADP
easat-7157	12	17	a	a	DET
easat-7157	12	18	comprehensive	comprehensive	ADJ
easat-7157	12	19	review	review	NOUN
easat-7157	12	20	of	of	ADP
easat-7157	12	21	the	the	DET
easat-7157	12	22	ai	ai	NOUN
easat-7157	12	23	and	and	CCONJ
easat-7157	12	24	financial	financial	ADJ
easat-7157	12	25	inclusion	inclusion	NOUN
easat-7157	12	26	literature	literature	NOUN
easat-7157	12	27	.	.	PUNCT
easat-7157	13	1	it	it	PRON
easat-7157	13	2	also	also	ADV
easat-7157	13	3	identifies	identify	VERB
easat-7157	13	4	key	key	ADJ
easat-7157	13	5	propositions	proposition	NOUN
easat-7157	13	6	for	for	ADP
easat-7157	13	7	future	future	ADJ
easat-7157	13	8	research	research	NOUN
easat-7157	13	9	and	and	CCONJ
easat-7157	13	10	emphasizes	emphasize	VERB
easat-7157	13	11	the	the	DET
easat-7157	13	12	role	role	NOUN
easat-7157	13	13	of	of	ADP
easat-7157	13	14	managers	manager	NOUN
easat-7157	13	15	and	and	CCONJ
easat-7157	13	16	decision	decision	NOUN
easat-7157	13	17	-	-	PUNCT
easat-7157	13	18	makers	maker	NOUN
easat-7157	13	19	in	in	ADP
easat-7157	13	20	driving	drive	VERB
easat-7157	13	21	ai	ai	VERB
easat-7157	13	22	adoption	adoption	NOUN
easat-7157	13	23	and	and	CCONJ
easat-7157	13	24	supporting	support	VERB
easat-7157	13	25	societal	societal	ADJ
easat-7157	13	26	development	development	NOUN
easat-7157	13	27	.	.	PUNCT
easat-7157	14	1	keywords	keyword	NOUN
easat-7157	14	2	:	:	PUNCT
easat-7157	14	3	artificial	artificial	ADJ
easat-7157	14	4	intelligence	intelligence	NOUN
easat-7157	14	5	(	(	PUNCT
easat-7157	14	6	ai	ai	NOUN
easat-7157	14	7	)	)	PUNCT
easat-7157	14	8	,	,	PUNCT
easat-7157	14	9	emerging	emerge	VERB
easat-7157	14	10	market	market	NOUN
easat-7157	14	11	,	,	PUNCT
easat-7157	14	12	ethical	ethical	ADJ
easat-7157	14	13	considerations	consideration	NOUN
easat-7157	14	14	,	,	PUNCT
easat-7157	14	15	financial	financial	ADJ
easat-7157	14	16	inclusion	inclusion	NOUN
easat-7157	14	17	,	,	PUNCT
easat-7157	14	18	industrial	industrial	ADJ
easat-7157	14	19	growth	growth	NOUN
easat-7157	14	20	,	,	PUNCT
easat-7157	14	21	organizational	organizational	ADJ
easat-7157	14	22	readiness	readiness	NOUN
easat-7157	14	23	,	,	PUNCT
easat-7157	14	24	social	social	ADJ
easat-7157	14	25	influence	influence	NOUN
easat-7157	14	26	,	,	PUNCT
easat-7157	14	27	technological	technological	ADJ
easat-7157	14	28	readiness	readiness	NOUN
easat-7157	14	29	.	.	PUNCT
easat-7157	15	1	1	1	X
easat-7157	15	2	.	.	X
easat-7157	15	3	introduction	introduction	NOUN
easat-7157	15	4	the	the	DET
easat-7157	15	5	financial	financial	ADJ
easat-7157	15	6	industry	industry	NOUN
easat-7157	15	7	has	have	AUX
easat-7157	15	8	offered	offer	VERB
easat-7157	15	9	financial	financial	ADJ
easat-7157	15	10	services	service	NOUN
easat-7157	15	11	since	since	SCONJ
easat-7157	15	12	2000	2000	NUM
easat-7157	15	13	bc	bc	PROPN
easat-7157	15	14	.	.	PROPN
easat-7157	16	1	owing	owe	VERB
easat-7157	16	2	to	to	ADP
easat-7157	16	3	supply	supply	NOUN
easat-7157	16	4	and	and	CCONJ
easat-7157	16	5	demand	demand	NOUN
easat-7157	16	6	,	,	PUNCT
easat-7157	16	7	businesses	business	NOUN
easat-7157	16	8	and	and	CCONJ
easat-7157	16	9	economic	economic	ADJ
easat-7157	16	10	systems	system	NOUN
easat-7157	16	11	have	have	AUX
easat-7157	16	12	grown	grow	VERB
easat-7157	16	13	to	to	PART
easat-7157	16	14	provide	provide	VERB
easat-7157	16	15	a	a	DET
easat-7157	16	16	wider	wide	ADJ
easat-7157	16	17	range	range	NOUN
easat-7157	16	18	of	of	ADP
easat-7157	16	19	goods	good	NOUN
easat-7157	16	20	and	and	CCONJ
easat-7157	16	21	services	service	NOUN
easat-7157	16	22	as	as	SCONJ
easat-7157	16	23	the	the	DET
easat-7157	16	24	world	world	NOUN
easat-7157	16	25	's	's	PART
easat-7157	16	26	population	population	NOUN
easat-7157	16	27	has	have	AUX
easat-7157	16	28	increased	increase	VERB
easat-7157	16	29	[	[	PUNCT
easat-7157	16	30	1	1	NUM
easat-7157	16	31	]	]	PUNCT
easat-7157	16	32	.	.	PUNCT
easat-7157	17	1	the	the	DET
easat-7157	17	2	rise	rise	NOUN
easat-7157	17	3	of	of	ADP
easat-7157	17	4	information	information	NOUN
easat-7157	17	5	and	and	CCONJ
easat-7157	17	6	communication	communication	NOUN
easat-7157	17	7	technology	technology	NOUN
easat-7157	17	8	(	(	PUNCT
easat-7157	17	9	ict	ict	PROPN
easat-7157	17	10	)	)	PUNCT
easat-7157	17	11	has	have	AUX
easat-7157	17	12	brought	bring	VERB
easat-7157	17	13	about	about	ADP
easat-7157	17	14	significant	significant	ADJ
easat-7157	17	15	and	and	CCONJ
easat-7157	17	16	transformative	transformative	ADJ
easat-7157	17	17	changes	change	NOUN
easat-7157	17	18	in	in	ADP
easat-7157	17	19	the	the	DET
easat-7157	17	20	business	business	NOUN
easat-7157	17	21	and	and	CCONJ
easat-7157	17	22	financial	financial	ADJ
easat-7157	17	23	sectors	sector	NOUN
easat-7157	17	24	by	by	ADP
easat-7157	17	25	integrating	integrate	VERB
easat-7157	17	26	technology	technology	NOUN
easat-7157	17	27	into	into	ADP
easat-7157	17	28	financial	financial	ADJ
easat-7157	17	29	services	service	NOUN
easat-7157	17	30	[	[	X
easat-7157	17	31	2	2	NUM
easat-7157	17	32	]	]	PUNCT
easat-7157	17	33	.	.	PUNCT
easat-7157	18	1	consequently	consequently	ADV
easat-7157	18	2	,	,	PUNCT
easat-7157	18	3	business	business	NOUN
easat-7157	18	4	models	model	NOUN
easat-7157	18	5	have	have	AUX
easat-7157	18	6	evolved	evolve	VERB
easat-7157	18	7	to	to	PART
easat-7157	18	8	continuously	continuously	ADV
easat-7157	18	9	adapt	adapt	VERB
easat-7157	18	10	to	to	ADP
easat-7157	18	11	technological	technological	ADJ
easat-7157	18	12	advancements	advancement	NOUN
easat-7157	18	13	driven	drive	VERB
easat-7157	18	14	by	by	ADP
easat-7157	18	15	human	human	ADJ
easat-7157	18	16	creativity	creativity	NOUN
easat-7157	18	17	.	.	PUNCT
easat-7157	19	1	technology	technology	NOUN
easat-7157	19	2	integration	integration	NOUN
easat-7157	19	3	into	into	ADP
easat-7157	19	4	business	business	NOUN
easat-7157	19	5	operations	operation	NOUN
easat-7157	19	6	can	can	AUX
easat-7157	19	7	be	be	AUX
easat-7157	19	8	traced	trace	VERB
easat-7157	19	9	back	back	ADV
easat-7157	19	10	to	to	ADP
easat-7157	19	11	the	the	DET
easat-7157	19	12	period	period	NOUN
easat-7157	19	13	between	between	ADP
easat-7157	19	14	1866	1866	NUM
easat-7157	19	15	and	and	CCONJ
easat-7157	19	16	1987	1987	NUM
easat-7157	19	17	,	,	PUNCT
easat-7157	19	18	marked	mark	VERB
easat-7157	19	19	by	by	ADP
easat-7157	19	20	using	use	VERB
easat-7157	19	21	transatlantic	transatlantic	ADJ
easat-7157	19	22	cables	cable	NOUN
easat-7157	19	23	and	and	CCONJ
easat-7157	19	24	trading	trading	NOUN
easat-7157	19	25	telegraphs	telegraphs	NOUN
easat-7157	19	26	[	[	X
easat-7157	19	27	3	3	NUM
easat-7157	19	28	]	]	PUNCT
easat-7157	19	29	.	.	PUNCT
easat-7157	20	1	historically	historically	ADV
easat-7157	20	2	,	,	PUNCT
easat-7157	20	3	fintech	fintech	NOUN
easat-7157	20	4	2	2	NUM
easat-7157	20	5	.	.	PUNCT
easat-7157	21	1	ear	ear	AUX
easat-7157	21	2	starting	start	VERB
easat-7157	21	3	in	in	ADP
easat-7157	21	4	the	the	DET
easat-7157	21	5	financial	financial	ADJ
easat-7157	21	6	industry	industry	NOUN
easat-7157	21	7	,	,	PUNCT
easat-7157	21	8	which	which	PRON
easat-7157	21	9	shifted	shift	VERB
easat-7157	21	10	toward	toward	ADP
easat-7157	21	11	digitization	digitization	NOUN
easat-7157	21	12	between	between	ADP
easat-7157	21	13	1967	1967	NUM
easat-7157	21	14	and	and	CCONJ
easat-7157	21	15	1987	1987	NUM
easat-7157	21	16	,	,	PUNCT
easat-7157	21	17	when	when	SCONJ
easat-7157	21	18	the	the	DET
easat-7157	21	19	first	first	ADJ
easat-7157	21	20	automated	automate	VERB
easat-7157	21	21	teller	teller	NOUN
easat-7157	21	22	machines	machine	NOUN
easat-7157	21	23	(	(	PUNCT
easat-7157	21	24	atms	atms	PROPN
easat-7157	21	25	)	)	PUNCT
easat-7157	21	26	were	be	AUX
easat-7157	21	27	installed	instal	VERB
easat-7157	21	28	in	in	ADP
easat-7157	21	29	london	london	PROPN
easat-7157	21	30	in	in	ADP
easat-7157	21	31	1967	1967	NUM
easat-7157	21	32	.	.	PUNCT
easat-7157	22	1	as	as	ADP
easat-7157	22	2	a	a	DET
easat-7157	22	3	result	result	NOUN
easat-7157	22	4	,	,	PUNCT
easat-7157	22	5	the	the	DET
easat-7157	22	6	banking	banking	NOUN
easat-7157	22	7	sector	sector	NOUN
easat-7157	22	8	has	have	AUX
easat-7157	22	9	been	be	AUX
easat-7157	22	10	revolutionized	revolutionize	VERB
easat-7157	22	11	by	by	ADP
easat-7157	22	12	offering	offer	VERB
easat-7157	22	13	clients	client	NOUN
easat-7157	22	14	unprecedented	unprecedented	ADJ
easat-7157	22	15	convenience	convenience	NOUN
easat-7157	22	16	.	.	PUNCT
easat-7157	23	1	this	this	DET
easat-7157	23	2	era	era	NOUN
easat-7157	23	3	saw	see	VERB
easat-7157	23	4	significant	significant	ADJ
easat-7157	23	5	advancements	advancement	NOUN
easat-7157	23	6	in	in	ADP
easat-7157	23	7	information	information	NOUN
easat-7157	23	8	technology	technology	NOUN
easat-7157	23	9	,	,	PUNCT
easat-7157	23	10	increased	increase	VERB
easat-7157	23	11	knowledge	knowledge	NOUN
easat-7157	23	12	sharing	sharing	NOUN
easat-7157	23	13	,	,	PUNCT
easat-7157	23	14	and	and	CCONJ
easat-7157	23	15	improved	improved	ADJ
easat-7157	23	16	collaboration	collaboration	NOUN
easat-7157	23	17	through	through	ADP
easat-7157	23	18	integrating	integrate	VERB
easat-7157	23	19	internet	internet	NOUN
easat-7157	23	20	services	service	NOUN
easat-7157	23	21	and	and	CCONJ
easat-7157	23	22	automated	automate	VERB
easat-7157	23	23	clearing	clearing	NOUN
easat-7157	23	24	services	service	NOUN
easat-7157	23	25	in	in	ADP
easat-7157	23	26	u.s	u.s	PROPN
easat-7157	23	27	.	.	PROPN
easat-7157	23	28	bank	bank	NOUN
easat-7157	24	1	[	[	X
easat-7157	24	2	3	3	NUM
easat-7157	24	3	]	]	PUNCT
easat-7157	24	4	.	.	PUNCT
easat-7157	25	1	by	by	ADP
easat-7157	25	2	combining	combine	VERB
easat-7157	25	3	internet	internet	NOUN
easat-7157	25	4	services	service	NOUN
easat-7157	25	5	and	and	CCONJ
easat-7157	25	6	automated	automate	VERB
easat-7157	25	7	clearing	clearing	NOUN
easat-7157	25	8	services	service	NOUN
easat-7157	25	9	in	in	ADP
easat-7157	25	10	u.s	u.s	PROPN
easat-7157	25	11	.	.	PROPN
easat-7157	25	12	banks	bank	NOUN
easat-7157	25	13	,	,	PUNCT
easat-7157	25	14	this	this	DET
easat-7157	25	15	era	era	NOUN
easat-7157	25	16	witnessed	witness	VERB
easat-7157	25	17	tremendous	tremendous	ADJ
easat-7157	25	18	advancements	advancement	NOUN
easat-7157	25	19	in	in	ADP
easat-7157	25	20	information	information	NOUN
easat-7157	25	21	technology	technology	NOUN
easat-7157	25	22	,	,	PUNCT
easat-7157	25	23	a	a	DET
easat-7157	25	24	rise	rise	NOUN
easat-7157	25	25	in	in	ADP
easat-7157	25	26	knowledge	knowledge	NOUN
easat-7157	25	27	sharing	sharing	NOUN
easat-7157	25	28	,	,	PUNCT
easat-7157	25	29	and	and	CCONJ
easat-7157	25	30	enhanced	enhanced	ADJ
easat-7157	25	31	collaboration	collaboration	NOUN
easat-7157	25	32	.	.	PUNCT
easat-7157	26	1	the	the	DET
easat-7157	26	2	second	second	ADJ
easat-7157	26	3	fintech	fintech	NOUN
easat-7157	26	4	ear	ear	NOUN
easat-7157	26	5	was	be	AUX
easat-7157	26	6	from	from	ADP
easat-7157	26	7	1987	1987	NUM
easat-7157	26	8	to	to	ADP
easat-7157	26	9	the	the	DET
easat-7157	26	10	early	early	ADJ
easat-7157	26	11	2000s	2000s	NUM
easat-7157	26	12	,	,	PUNCT
easat-7157	26	13	marked	mark	VERB
easat-7157	26	14	by	by	ADP
easat-7157	26	15	a	a	DET
easat-7157	26	16	period	period	NOUN
easat-7157	26	17	of	of	ADP
easat-7157	26	18	rapid	rapid	ADJ
easat-7157	26	19	digital	digital	ADJ
easat-7157	26	20	transformation	transformation	NOUN
easat-7157	26	21	and	and	CCONJ
easat-7157	26	22	infrastructure	infrastructure	NOUN
easat-7157	26	23	development	development	NOUN
easat-7157	26	24	[	[	X
easat-7157	26	25	4	4	NUM
easat-7157	26	26	]	]	PUNCT
easat-7157	26	27	.	.	PUNCT
easat-7157	27	1	the	the	DET
easat-7157	27	2	main	main	ADJ
easat-7157	27	3	innovations	innovation	NOUN
easat-7157	27	4	that	that	PRON
easat-7157	27	5	appeared	appear	VERB
easat-7157	27	6	during	during	ADP
easat-7157	27	7	this	this	DET
easat-7157	27	8	period	period	NOUN
easat-7157	27	9	were	be	AUX
easat-7157	27	10	internet	internet	NOUN
easat-7157	27	11	banking	banking	NOUN
easat-7157	27	12	,	,	PUNCT
easat-7157	27	13	swift	swift	ADJ
easat-7157	27	14	,	,	PUNCT
easat-7157	27	15	atms	atms	NOUN
easat-7157	27	16	,	,	PUNCT
easat-7157	27	17	and	and	CCONJ
easat-7157	27	18	online	online	ADJ
easat-7157	27	19	payments	payment	NOUN
easat-7157	27	20	[	[	X
easat-7157	27	21	3	3	NUM
easat-7157	27	22	,	,	PUNCT
easat-7157	27	23	4	4	NUM
easat-7157	27	24	]	]	PUNCT
easat-7157	27	25	.	.	PUNCT
easat-7157	28	1	during	during	ADP
easat-7157	28	2	this	this	DET
easat-7157	28	3	period	period	NOUN
easat-7157	28	4	,	,	PUNCT
easat-7157	28	5	regulatory	regulatory	ADJ
easat-7157	28	6	frameworks	framework	NOUN
easat-7157	28	7	were	be	AUX
easat-7157	28	8	developed	develop	VERB
easat-7157	28	9	to	to	PART
easat-7157	28	10	align	align	VERB
easat-7157	28	11	with	with	ADP
easat-7157	28	12	digital	digital	ADJ
easat-7157	28	13	transformation	transformation	NOUN
easat-7157	28	14	,	,	PUNCT
easat-7157	28	15	as	as	SCONJ
easat-7157	28	16	regulations	regulation	NOUN
easat-7157	28	17	have	have	AUX
easat-7157	28	18	played	play	VERB
easat-7157	28	19	1303	1303	NUM
easat-7157	28	20	edelweiss	edelweiss	PROPN
easat-7157	28	21	applied	apply	VERB
easat-7157	28	22	science	science	NOUN
easat-7157	28	23	and	and	CCONJ
easat-7157	28	24	technology	technology	NOUN
easat-7157	28	25	issn	issn	PROPN
easat-7157	28	26	:	:	PUNCT
easat-7157	28	27	2576	2576	NUM
easat-7157	28	28	-	-	SYM
easat-7157	28	29	8484	8484	NUM
easat-7157	28	30	vol	vol	NOUN
easat-7157	28	31	.	.	PROPN
easat-7157	29	1	9	9	NUM
easat-7157	29	2	,	,	PUNCT
easat-7157	29	3	no	no	INTJ
easat-7157	29	4	.	.	NOUN
easat-7157	29	5	5	5	NUM
easat-7157	29	6	:	:	SYM
easat-7157	29	7	1302	1302	NUM
easat-7157	29	8	-	-	SYM
easat-7157	29	9	1323	1323	NUM
easat-7157	29	10	,	,	PUNCT
easat-7157	29	11	2025	2025	NUM
easat-7157	29	12	doi	doi	NOUN
easat-7157	29	13	:	:	PUNCT
easat-7157	29	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	29	15	©	©	ADP
easat-7157	29	16	2025	2025	NUM
easat-7157	29	17	by	by	ADP
easat-7157	29	18	the	the	DET
easat-7157	29	19	authors	author	NOUN
easat-7157	29	20	;	;	PUNCT
easat-7157	29	21	licensee	licensee	PROPN
easat-7157	29	22	learning	learning	NOUN
easat-7157	29	23	gate	gate	VERB
easat-7157	29	24	an	an	DET
easat-7157	29	25	important	important	ADJ
easat-7157	29	26	role	role	NOUN
easat-7157	29	27	in	in	ADP
easat-7157	29	28	supporting	support	VERB
easat-7157	29	29	emerging	emerge	VERB
easat-7157	29	30	financial	financial	ADJ
easat-7157	29	31	technologies	technology	NOUN
easat-7157	29	32	and	and	CCONJ
easat-7157	29	33	mitigating	mitigate	VERB
easat-7157	29	34	associated	associated	ADJ
easat-7157	29	35	risks	risk	NOUN
easat-7157	29	36	,	,	PUNCT
easat-7157	29	37	with	with	ADP
easat-7157	29	38	initiatives	initiative	NOUN
easat-7157	29	39	such	such	ADJ
easat-7157	29	40	as	as	ADP
easat-7157	29	41	the	the	DET
easat-7157	29	42	basel	basel	PROPN
easat-7157	29	43	commitment	commitment	NOUN
easat-7157	29	44	and	and	CCONJ
easat-7157	29	45	fintech	fintech	NOUN
easat-7157	29	46	regulations	regulation	NOUN
easat-7157	29	47	in	in	ADP
easat-7157	29	48	the	the	DET
easat-7157	29	49	united	united	PROPN
easat-7157	29	50	states	states	PROPN
easat-7157	29	51	and	and	CCONJ
easat-7157	29	52	the	the	DET
easat-7157	29	53	united	united	PROPN
easat-7157	29	54	kingdom	kingdom	PROPN
easat-7157	29	55	driving	drive	VERB
easat-7157	29	56	these	these	DET
easat-7157	29	57	developments	development	NOUN
easat-7157	29	58	[	[	X
easat-7157	29	59	5	5	NUM
easat-7157	29	60	]	]	PUNCT
easat-7157	29	61	.	.	PUNCT
easat-7157	30	1	advanced	advanced	ADJ
easat-7157	30	2	technology	technology	NOUN
easat-7157	30	3	and	and	CCONJ
easat-7157	30	4	regulations	regulation	NOUN
easat-7157	30	5	originating	originate	VERB
easat-7157	30	6	in	in	ADP
easat-7157	30	7	developed	develop	VERB
easat-7157	30	8	countries	country	NOUN
easat-7157	30	9	,	,	PUNCT
easat-7157	30	10	such	such	ADJ
easat-7157	30	11	as	as	ADP
easat-7157	30	12	the	the	DET
easat-7157	30	13	united	united	PROPN
easat-7157	30	14	states	states	PROPN
easat-7157	30	15	and	and	CCONJ
easat-7157	30	16	the	the	DET
easat-7157	30	17	united	united	ADJ
easat-7157	30	18	kingdom	kingdom	PROPN
easat-7157	30	19	,	,	PUNCT
easat-7157	30	20	influence	influence	NOUN
easat-7157	30	21	consumer	consumer	NOUN
easat-7157	30	22	expectations	expectation	NOUN
easat-7157	30	23	and	and	CCONJ
easat-7157	30	24	business	business	NOUN
easat-7157	30	25	practices	practice	NOUN
easat-7157	30	26	globally	globally	ADV
easat-7157	30	27	[	[	X
easat-7157	30	28	3	3	NUM
easat-7157	30	29	]	]	PUNCT
easat-7157	30	30	.	.	PUNCT
easat-7157	31	1	the	the	DET
easat-7157	31	2	technological	technological	ADJ
easat-7157	31	3	revolution	revolution	NOUN
easat-7157	31	4	reshaped	reshape	VERB
easat-7157	31	5	the	the	DET
easat-7157	31	6	financial	financial	ADJ
easat-7157	31	7	sector	sector	NOUN
easat-7157	31	8	by	by	ADP
easat-7157	31	9	introducing	introduce	VERB
easat-7157	31	10	new	new	ADJ
easat-7157	31	11	competitive	competitive	ADJ
easat-7157	31	12	pressure	pressure	NOUN
easat-7157	31	13	and	and	CCONJ
easat-7157	31	14	giving	give	VERB
easat-7157	31	15	rise	rise	NOUN
easat-7157	31	16	to	to	ADP
easat-7157	31	17	business	business	NOUN
easat-7157	31	18	models	model	NOUN
easat-7157	31	19	that	that	PRON
easat-7157	31	20	integrated	integrate	VERB
easat-7157	31	21	technology	technology	NOUN
easat-7157	31	22	into	into	ADP
easat-7157	31	23	financial	financial	ADJ
easat-7157	31	24	services	service	NOUN
easat-7157	31	25	.	.	PUNCT
easat-7157	32	1	this	this	PRON
easat-7157	32	2	has	have	AUX
easat-7157	32	3	resulted	result	VERB
easat-7157	32	4	in	in	ADP
easat-7157	32	5	the	the	DET
easat-7157	32	6	emergence	emergence	NOUN
easat-7157	32	7	of	of	ADP
easat-7157	32	8	fintech	fintech	NOUN
easat-7157	32	9	startups	startup	NOUN
easat-7157	32	10	in	in	ADP
easat-7157	32	11	both	both	DET
easat-7157	32	12	developed	developed	ADJ
easat-7157	32	13	and	and	CCONJ
easat-7157	32	14	developing	develop	VERB
easat-7157	32	15	countries	country	NOUN
easat-7157	32	16	[	[	X
easat-7157	32	17	3	3	NUM
easat-7157	32	18	]	]	PUNCT
easat-7157	32	19	.	.	PUNCT
easat-7157	33	1	fintech	fintech	NOUN
easat-7157	33	2	startups	startup	NOUN
easat-7157	33	3	aim	aim	VERB
easat-7157	33	4	to	to	PART
easat-7157	33	5	deliver	deliver	VERB
easat-7157	33	6	financial	financial	ADJ
easat-7157	33	7	services	service	NOUN
easat-7157	33	8	traditionally	traditionally	ADV
easat-7157	33	9	offered	offer	VERB
easat-7157	33	10	by	by	ADP
easat-7157	33	11	banks	bank	NOUN
easat-7157	33	12	through	through	ADP
easat-7157	33	13	digital	digital	ADJ
easat-7157	33	14	channels	channel	NOUN
easat-7157	33	15	that	that	PRON
easat-7157	33	16	improve	improve	VERB
easat-7157	33	17	access	access	NOUN
easat-7157	33	18	to	to	ADP
easat-7157	33	19	financial	financial	ADJ
easat-7157	33	20	services	service	NOUN
easat-7157	33	21	for	for	ADP
easat-7157	33	22	individuals	individual	NOUN
easat-7157	33	23	and	and	CCONJ
easat-7157	33	24	organizations	organization	NOUN
easat-7157	33	25	facing	face	VERB
easat-7157	33	26	solvency	solvency	NOUN
easat-7157	33	27	limitations	limitation	NOUN
easat-7157	33	28	[	[	X
easat-7157	33	29	6	6	NUM
easat-7157	33	30	]	]	PUNCT
easat-7157	33	31	.	.	PUNCT
easat-7157	34	1	emerging	emerge	VERB
easat-7157	34	2	markets	market	NOUN
easat-7157	34	3	present	present	VERB
easat-7157	34	4	an	an	DET
easat-7157	34	5	opportunity	opportunity	NOUN
easat-7157	34	6	for	for	ADP
easat-7157	34	7	innovative	innovative	ADJ
easat-7157	34	8	financial	financial	ADJ
easat-7157	34	9	models	model	NOUN
easat-7157	34	10	to	to	PART
easat-7157	34	11	enhance	enhance	VERB
easat-7157	34	12	accessibility	accessibility	NOUN
easat-7157	34	13	[	[	X
easat-7157	34	14	7	7	NUM
easat-7157	34	15	]	]	PUNCT
easat-7157	34	16	.	.	PUNCT
easat-7157	35	1	consequently	consequently	ADV
easat-7157	35	2	,	,	PUNCT
easat-7157	35	3	technological	technological	ADJ
easat-7157	35	4	advancements	advancement	NOUN
easat-7157	35	5	,	,	PUNCT
easat-7157	35	6	such	such	ADJ
easat-7157	35	7	as	as	ADP
easat-7157	35	8	artificial	artificial	ADJ
easat-7157	35	9	intelligence	intelligence	NOUN
easat-7157	35	10	(	(	PUNCT
easat-7157	35	11	ai	ai	NOUN
easat-7157	35	12	)	)	PUNCT
easat-7157	35	13	and	and	CCONJ
easat-7157	35	14	big	big	ADJ
easat-7157	35	15	data	datum	NOUN
easat-7157	35	16	,	,	PUNCT
easat-7157	35	17	have	have	AUX
easat-7157	35	18	further	far	ADV
easat-7157	35	19	supported	support	VERB
easat-7157	35	20	this	this	DET
easat-7157	35	21	business	business	NOUN
easat-7157	35	22	model	model	NOUN
easat-7157	35	23	,	,	PUNCT
easat-7157	35	24	driving	drive	VERB
easat-7157	35	25	market	market	NOUN
easat-7157	35	26	expansion	expansion	NOUN
easat-7157	35	27	,	,	PUNCT
easat-7157	35	28	reducing	reduce	VERB
easat-7157	35	29	operational	operational	ADJ
easat-7157	35	30	costs	cost	NOUN
easat-7157	35	31	,	,	PUNCT
easat-7157	35	32	and	and	CCONJ
easat-7157	35	33	encouraging	encourage	VERB
easat-7157	35	34	new	new	ADJ
easat-7157	35	35	market	market	NOUN
easat-7157	35	36	entrants	entrant	NOUN
easat-7157	35	37	.	.	PUNCT
easat-7157	36	1	emerging	emerge	VERB
easat-7157	36	2	as	as	ADP
easat-7157	36	3	a	a	DET
easat-7157	36	4	major	major	ADJ
easat-7157	36	5	technical	technical	ADJ
easat-7157	36	6	innovation	innovation	NOUN
easat-7157	36	7	in	in	ADP
easat-7157	36	8	the	the	DET
easat-7157	36	9	twenty	twenty	NUM
easat-7157	36	10	-	-	PUNCT
easat-7157	36	11	first	first	ADJ
easat-7157	36	12	century	century	NOUN
easat-7157	36	13	,	,	PUNCT
easat-7157	36	14	industry	industry	NOUN
easat-7157	36	15	4.0	4.0	NUM
easat-7157	36	16	has	have	AUX
easat-7157	36	17	propelled	propel	VERB
easat-7157	36	18	financial	financial	ADJ
easat-7157	36	19	inclusion	inclusion	NOUN
easat-7157	36	20	,	,	PUNCT
easat-7157	36	21	sustainability	sustainability	NOUN
easat-7157	36	22	,	,	PUNCT
easat-7157	36	23	and	and	CCONJ
easat-7157	36	24	economic	economic	ADJ
easat-7157	36	25	development	development	NOUN
easat-7157	36	26	[	[	X
easat-7157	36	27	8	8	NUM
easat-7157	36	28	]	]	PUNCT
easat-7157	36	29	.	.	PUNCT
easat-7157	37	1	ai	ai	PROPN
easat-7157	37	2	is	be	AUX
easat-7157	37	3	one	one	NUM
easat-7157	37	4	of	of	ADP
easat-7157	37	5	the	the	DET
easat-7157	37	6	key	key	ADJ
easat-7157	37	7	developments	development	NOUN
easat-7157	37	8	in	in	ADP
easat-7157	37	9	industry	industry	NOUN
easat-7157	37	10	4.0	4.0	NUM
easat-7157	37	11	,	,	PUNCT
easat-7157	37	12	has	have	AUX
easat-7157	37	13	significantly	significantly	ADV
easat-7157	37	14	impacted	impact	VERB
easat-7157	37	15	the	the	DET
easat-7157	37	16	financial	financial	ADJ
easat-7157	37	17	sector	sector	NOUN
easat-7157	37	18	,	,	PUNCT
easat-7157	37	19	particularly	particularly	ADV
easat-7157	37	20	in	in	ADP
easat-7157	37	21	developing	develop	VERB
easat-7157	37	22	countries	country	NOUN
easat-7157	38	1	[	[	X
easat-7157	38	2	9	9	NUM
easat-7157	38	3	]	]	PUNCT
easat-7157	38	4	.	.	PUNCT
easat-7157	39	1	ai	ai	AUX
easat-7157	39	2	enhances	enhance	VERB
easat-7157	39	3	financial	financial	ADJ
easat-7157	39	4	services	service	NOUN
easat-7157	39	5	by	by	ADP
easat-7157	39	6	improving	improve	VERB
easat-7157	39	7	products	product	NOUN
easat-7157	39	8	,	,	PUNCT
easat-7157	39	9	increasing	increase	VERB
easat-7157	39	10	business	business	NOUN
easat-7157	39	11	performance	performance	NOUN
easat-7157	39	12	,	,	PUNCT
easat-7157	39	13	and	and	CCONJ
easat-7157	39	14	generating	generate	VERB
easat-7157	39	15	societal	societal	ADJ
easat-7157	39	16	benefits	benefit	NOUN
easat-7157	39	17	[	[	X
easat-7157	39	18	9	9	NUM
easat-7157	39	19	,	,	PUNCT
easat-7157	39	20	10	10	NUM
easat-7157	39	21	]	]	PUNCT
easat-7157	39	22	.	.	PUNCT
easat-7157	40	1	ai	ai	VERB
easat-7157	40	2	-	-	PUNCT
easat-7157	40	3	driven	drive	VERB
easat-7157	40	4	products	product	NOUN
easat-7157	40	5	,	,	PUNCT
easat-7157	40	6	including	include	VERB
easat-7157	40	7	chatbots	chatbot	NOUN
easat-7157	40	8	and	and	CCONJ
easat-7157	40	9	machine	machine	NOUN
easat-7157	40	10	learning	learning	NOUN
easat-7157	40	11	(	(	PUNCT
easat-7157	40	12	ml	ml	NOUN
easat-7157	40	13	)	)	PUNCT
easat-7157	40	14	,	,	PUNCT
easat-7157	40	15	leverage	leverage	VERB
easat-7157	40	16	large	large	ADJ
easat-7157	40	17	datasets	dataset	NOUN
easat-7157	40	18	to	to	PART
easat-7157	40	19	deliver	deliver	VERB
easat-7157	40	20	high	high	ADJ
easat-7157	40	21	-	-	PUNCT
easat-7157	40	22	precision	precision	NOUN
easat-7157	40	23	insights	insight	NOUN
easat-7157	40	24	into	into	ADP
easat-7157	40	25	customer	customer	NOUN
easat-7157	40	26	behaviour	behaviour	NOUN
easat-7157	40	27	and	and	CCONJ
easat-7157	40	28	preferences	preference	NOUN
easat-7157	40	29	,	,	PUNCT
easat-7157	40	30	thereby	thereby	ADV
easat-7157	40	31	improving	improve	VERB
easat-7157	40	32	service	service	NOUN
easat-7157	40	33	quality	quality	NOUN
easat-7157	40	34	and	and	CCONJ
easat-7157	40	35	customer	customer	NOUN
easat-7157	40	36	satisfaction	satisfaction	NOUN
easat-7157	40	37	[	[	X
easat-7157	40	38	11	11	NUM
easat-7157	40	39	]	]	PUNCT
easat-7157	40	40	.	.	PUNCT
easat-7157	41	1	digital	digital	ADJ
easat-7157	41	2	transformation	transformation	NOUN
easat-7157	41	3	provides	provide	VERB
easat-7157	41	4	new	new	ADJ
easat-7157	41	5	financial	financial	ADJ
easat-7157	41	6	products	product	NOUN
easat-7157	41	7	in	in	ADP
easat-7157	41	8	emerging	emerge	VERB
easat-7157	41	9	markets	market	NOUN
easat-7157	41	10	,	,	PUNCT
easat-7157	41	11	such	such	ADJ
easat-7157	41	12	as	as	ADP
easat-7157	41	13	digital	digital	ADJ
easat-7157	41	14	payments	payment	NOUN
easat-7157	41	15	,	,	PUNCT
easat-7157	41	16	mobile	mobile	ADJ
easat-7157	41	17	banking	banking	NOUN
easat-7157	41	18	,	,	PUNCT
easat-7157	41	19	cryptocurrencies	cryptocurrencie	NOUN
easat-7157	41	20	,	,	PUNCT
easat-7157	41	21	peer	peer	NOUN
easat-7157	41	22	-	-	PUNCT
easat-7157	41	23	to	to	ADP
easat-7157	41	24	-	-	PUNCT
easat-7157	41	25	peer	peer	NOUN
easat-7157	41	26	(	(	PUNCT
easat-7157	41	27	p2p	p2p	NOUN
easat-7157	41	28	)	)	PUNCT
easat-7157	41	29	lending	lending	NOUN
easat-7157	41	30	,	,	PUNCT
easat-7157	41	31	crowdfunding	crowdfunding	NOUN
easat-7157	41	32	platforms	platform	NOUN
easat-7157	41	33	,	,	PUNCT
easat-7157	41	34	robo	robo	NOUN
easat-7157	41	35	-	-	PUNCT
easat-7157	41	36	advisors	advisor	NOUN
easat-7157	41	37	,	,	PUNCT
easat-7157	41	38	shadow	shadow	NOUN
easat-7157	41	39	banking	banking	NOUN
easat-7157	41	40	,	,	PUNCT
easat-7157	41	41	digital	digital	ADJ
easat-7157	41	42	banking	banking	NOUN
easat-7157	41	43	,	,	PUNCT
easat-7157	41	44	and	and	CCONJ
easat-7157	41	45	regulatory	regulatory	ADJ
easat-7157	41	46	technology	technology	NOUN
easat-7157	41	47	(	(	PUNCT
easat-7157	41	48	regtech	regtech	PROPN
easat-7157	41	49	)	)	PUNCT
easat-7157	41	50	.	.	PUNCT
easat-7157	42	1	these	these	DET
easat-7157	42	2	innovations	innovation	NOUN
easat-7157	42	3	have	have	AUX
easat-7157	42	4	played	play	VERB
easat-7157	42	5	a	a	DET
easat-7157	42	6	transformative	transformative	ADJ
easat-7157	42	7	role	role	NOUN
easat-7157	42	8	in	in	ADP
easat-7157	42	9	enhancing	enhance	VERB
easat-7157	42	10	financial	financial	ADJ
easat-7157	42	11	inclusion	inclusion	NOUN
easat-7157	42	12	[	[	X
easat-7157	42	13	12	12	NUM
easat-7157	42	14	]	]	PUNCT
easat-7157	42	15	.	.	PUNCT
easat-7157	43	1	in	in	ADP
easat-7157	43	2	the	the	DET
easat-7157	43	3	financial	financial	ADJ
easat-7157	43	4	industry	industry	NOUN
easat-7157	43	5	,	,	PUNCT
easat-7157	43	6	contemporary	contemporary	ADJ
easat-7157	43	7	ai	ai	PROPN
easat-7157	43	8	systems	system	NOUN
easat-7157	43	9	automate	automate	VERB
easat-7157	43	10	several	several	ADJ
easat-7157	43	11	procedures	procedure	NOUN
easat-7157	43	12	,	,	PUNCT
easat-7157	43	13	including	include	VERB
easat-7157	43	14	financial	financial	ADJ
easat-7157	43	15	transactions	transaction	NOUN
easat-7157	43	16	and	and	CCONJ
easat-7157	43	17	customer	customer	NOUN
easat-7157	43	18	support	support	NOUN
easat-7157	43	19	[	[	X
easat-7157	43	20	13	13	NUM
easat-7157	43	21	]	]	PUNCT
easat-7157	43	22	.	.	PUNCT
easat-7157	44	1	for	for	ADP
easat-7157	44	2	example	example	NOUN
easat-7157	44	3	,	,	PUNCT
easat-7157	44	4	data	datum	NOUN
easat-7157	44	5	entry	entry	NOUN
easat-7157	44	6	and	and	CCONJ
easat-7157	44	7	validation	validation	NOUN
easat-7157	44	8	can	can	AUX
easat-7157	44	9	now	now	ADV
easat-7157	44	10	be	be	AUX
easat-7157	44	11	handled	handle	VERB
easat-7157	44	12	by	by	ADP
easat-7157	44	13	ai	ai	ADJ
easat-7157	44	14	-	-	PUNCT
easat-7157	44	15	powered	power	VERB
easat-7157	44	16	chatbots	chatbot	NOUN
easat-7157	44	17	,	,	PUNCT
easat-7157	44	18	resulting	result	VERB
easat-7157	44	19	in	in	ADP
easat-7157	44	20	faster	fast	ADJ
easat-7157	44	21	service	service	NOUN
easat-7157	44	22	delivery	delivery	NOUN
easat-7157	44	23	,	,	PUNCT
easat-7157	44	24	increased	increase	VERB
easat-7157	44	25	productivity	productivity	NOUN
easat-7157	44	26	,	,	PUNCT
easat-7157	44	27	higher	high	ADJ
easat-7157	44	28	customer	customer	NOUN
easat-7157	44	29	satisfaction	satisfaction	NOUN
easat-7157	44	30	,	,	PUNCT
easat-7157	44	31	and	and	CCONJ
easat-7157	44	32	improved	improved	ADJ
easat-7157	44	33	accuracy	accuracy	NOUN
easat-7157	44	34	at	at	ADP
easat-7157	44	35	a	a	DET
easat-7157	44	36	reduced	reduced	ADJ
easat-7157	44	37	cost	cost	NOUN
easat-7157	44	38	[	[	X
easat-7157	44	39	13	13	NUM
easat-7157	44	40	]	]	PUNCT
easat-7157	44	41	.	.	PUNCT
easat-7157	45	1	ai	ai	VERB
easat-7157	45	2	combines	combine	VERB
easat-7157	45	3	advances	advance	NOUN
easat-7157	45	4	from	from	ADP
easat-7157	45	5	industry	industry	NOUN
easat-7157	45	6	4.0	4.0	NUM
easat-7157	45	7	to	to	PART
easat-7157	45	8	provide	provide	VERB
easat-7157	45	9	data	data	NOUN
easat-7157	45	10	-	-	PUNCT
easat-7157	45	11	driven	drive	VERB
easat-7157	45	12	insights	insight	NOUN
easat-7157	45	13	that	that	PRON
easat-7157	45	14	enhance	enhance	VERB
easat-7157	45	15	decision	decision	NOUN
easat-7157	45	16	-	-	PUNCT
easat-7157	45	17	making	making	NOUN
easat-7157	45	18	and	and	CCONJ
easat-7157	45	19	extend	extend	VERB
easat-7157	45	20	financial	financial	ADJ
easat-7157	45	21	services	service	NOUN
easat-7157	45	22	to	to	ADP
easat-7157	45	23	underserved	underserved	ADJ
easat-7157	45	24	populations	population	NOUN
easat-7157	45	25	[	[	X
easat-7157	45	26	14	14	NUM
easat-7157	45	27	]	]	PUNCT
easat-7157	45	28	.	.	PUNCT
easat-7157	46	1	ai	ai	VERB
easat-7157	46	2	-	-	PUNCT
easat-7157	46	3	driven	drive	VERB
easat-7157	46	4	applications	application	NOUN
easat-7157	46	5	extend	extend	VERB
easat-7157	46	6	beyond	beyond	ADP
easat-7157	46	7	the	the	DET
easat-7157	46	8	financial	financial	ADJ
easat-7157	46	9	sector	sector	NOUN
easat-7157	46	10	,	,	PUNCT
easat-7157	46	11	supporting	support	VERB
easat-7157	46	12	functions	function	NOUN
easat-7157	46	13	such	such	ADJ
easat-7157	46	14	as	as	ADP
easat-7157	46	15	sales	sale	NOUN
easat-7157	46	16	,	,	PUNCT
easat-7157	46	17	customer	customer	NOUN
easat-7157	46	18	service	service	NOUN
easat-7157	46	19	,	,	PUNCT
easat-7157	46	20	investment	investment	NOUN
easat-7157	46	21	analysis	analysis	NOUN
easat-7157	46	22	,	,	PUNCT
easat-7157	46	23	and	and	CCONJ
easat-7157	46	24	education	education	NOUN
easat-7157	46	25	,	,	PUNCT
easat-7157	46	26	thereby	thereby	ADV
easat-7157	46	27	creating	create	VERB
easat-7157	46	28	new	new	ADJ
easat-7157	46	29	opportunities	opportunity	NOUN
easat-7157	46	30	to	to	PART
easat-7157	46	31	improve	improve	VERB
easat-7157	46	32	the	the	DET
easat-7157	46	33	quality	quality	NOUN
easat-7157	46	34	of	of	ADP
easat-7157	46	35	life	life	NOUN
easat-7157	46	36	[	[	X
easat-7157	46	37	13	13	NUM
easat-7157	46	38	,	,	PUNCT
easat-7157	46	39	14	14	NUM
easat-7157	46	40	]	]	PUNCT
easat-7157	46	41	.	.	PUNCT
easat-7157	47	1	ai	ai	VERB
easat-7157	47	2	-	-	PUNCT
easat-7157	47	3	driven	drive	VERB
easat-7157	47	4	financial	financial	ADJ
easat-7157	47	5	services	service	NOUN
easat-7157	47	6	operate	operate	VERB
easat-7157	47	7	at	at	ADP
easat-7157	47	8	24	24	NUM
easat-7157	47	9	hours	hour	NOUN
easat-7157	47	10	,	,	PUNCT
easat-7157	47	11	which	which	PRON
easat-7157	47	12	leads	lead	VERB
easat-7157	47	13	to	to	ADP
easat-7157	47	14	increasing	increase	VERB
easat-7157	47	15	efficiency	efficiency	NOUN
easat-7157	47	16	and	and	CCONJ
easat-7157	47	17	reducing	reduce	VERB
easat-7157	47	18	operational	operational	ADJ
easat-7157	47	19	costs	cost	NOUN
easat-7157	47	20	.	.	PUNCT
easat-7157	48	1	furthermore	furthermore	ADV
easat-7157	48	2	,	,	PUNCT
easat-7157	48	3	it	it	PRON
easat-7157	48	4	is	be	AUX
easat-7157	48	5	estimated	estimate	VERB
easat-7157	48	6	that	that	SCONJ
easat-7157	48	7	ai	ai	VERB
easat-7157	48	8	could	could	AUX
easat-7157	48	9	save	save	VERB
easat-7157	48	10	banks	bank	NOUN
easat-7157	48	11	approximately	approximately	ADV
easat-7157	48	12	$	$	SYM
easat-7157	48	13	8	8	NUM
easat-7157	48	14	billion	billion	NUM
easat-7157	48	15	annually	annually	ADV
easat-7157	48	16	by	by	ADP
easat-7157	48	17	2022	2022	NUM
easat-7157	48	18	,	,	PUNCT
easat-7157	48	19	while	while	SCONJ
easat-7157	48	20	the	the	DET
easat-7157	48	21	global	global	ADJ
easat-7157	48	22	banking	banking	NOUN
easat-7157	48	23	sector	sector	NOUN
easat-7157	48	24	could	could	AUX
easat-7157	48	25	save	save	VERB
easat-7157	48	26	$	$	SYM
easat-7157	48	27	7.3	7.3	NUM
easat-7157	48	28	billion	billion	NUM
easat-7157	48	29	by	by	ADP
easat-7157	48	30	the	the	DET
easat-7157	48	31	end	end	NOUN
easat-7157	48	32	of	of	ADP
easat-7157	48	33	2023	2023	NUM
easat-7157	48	34	through	through	ADP
easat-7157	48	35	ai	ai	ADJ
easat-7157	48	36	integration	integration	NOUN
easat-7157	48	37	[	[	X
easat-7157	48	38	15	15	NUM
easat-7157	48	39	]	]	PUNCT
easat-7157	48	40	.	.	PUNCT
easat-7157	49	1	by	by	ADP
easat-7157	49	2	2025	2025	NUM
easat-7157	49	3	,	,	PUNCT
easat-7157	49	4	the	the	DET
easat-7157	49	5	global	global	ADJ
easat-7157	49	6	ai	ai	VERB
easat-7157	49	7	market	market	NOUN
easat-7157	49	8	is	be	AUX
easat-7157	49	9	projected	project	VERB
easat-7157	49	10	to	to	PART
easat-7157	49	11	reach	reach	VERB
easat-7157	49	12	$	$	SYM
easat-7157	49	13	190	190	NUM
easat-7157	49	14	billion	billion	NUM
easat-7157	49	15	,	,	PUNCT
easat-7157	49	16	with	with	ADP
easat-7157	49	17	significant	significant	ADJ
easat-7157	49	18	investment	investment	NOUN
easat-7157	49	19	growth	growth	NOUN
easat-7157	49	20	expected	expect	VERB
easat-7157	49	21	by	by	ADP
easat-7157	49	22	the	the	DET
easat-7157	49	23	end	end	NOUN
easat-7157	49	24	of	of	ADP
easat-7157	49	25	2024	2024	NUM
easat-7157	49	26	,	,	PUNCT
easat-7157	49	27	resulting	result	VERB
easat-7157	49	28	in	in	ADP
easat-7157	49	29	substantial	substantial	ADJ
easat-7157	49	30	revenue	revenue	NOUN
easat-7157	49	31	increases	increase	NOUN
easat-7157	49	32	[	[	X
easat-7157	49	33	16	16	NUM
easat-7157	49	34	]	]	PUNCT
easat-7157	49	35	.	.	PUNCT
easat-7157	50	1	ai	ai	PROPN
easat-7157	50	2	is	be	AUX
easat-7157	50	3	expected	expect	VERB
easat-7157	50	4	to	to	PART
easat-7157	50	5	enhance	enhance	VERB
easat-7157	50	6	financial	financial	ADJ
easat-7157	50	7	inclusion	inclusion	NOUN
easat-7157	50	8	by	by	ADP
easat-7157	50	9	providing	provide	VERB
easat-7157	50	10	financial	financial	ADJ
easat-7157	50	11	solutions	solution	NOUN
easat-7157	50	12	that	that	PRON
easat-7157	50	13	address	address	VERB
easat-7157	50	14	individuals	individual	NOUN
easat-7157	50	15	’	'	PUNCT
easat-7157	50	16	needs	need	VERB
easat-7157	50	17	across	across	ADP
easat-7157	50	18	all	all	DET
easat-7157	50	19	income	income	NOUN
easat-7157	50	20	levels	level	NOUN
easat-7157	50	21	without	without	ADP
easat-7157	50	22	requiring	require	VERB
easat-7157	50	23	new	new	ADJ
easat-7157	50	24	financial	financial	ADJ
easat-7157	50	25	instruments	instrument	NOUN
easat-7157	50	26	,	,	PUNCT
easat-7157	50	27	thereby	thereby	ADV
easat-7157	50	28	promoting	promote	VERB
easat-7157	50	29	sustainability	sustainability	NOUN
easat-7157	50	30	in	in	ADP
easat-7157	50	31	the	the	DET
easat-7157	50	32	banking	banking	NOUN
easat-7157	50	33	sector	sector	NOUN
easat-7157	50	34	[	[	X
easat-7157	50	35	15	15	NUM
easat-7157	50	36	]	]	PUNCT
easat-7157	50	37	.	.	PUNCT
easat-7157	51	1	studies	study	NOUN
easat-7157	51	2	highlight	highlight	VERB
easat-7157	51	3	the	the	DET
easat-7157	51	4	need	need	NOUN
easat-7157	51	5	for	for	ADP
easat-7157	51	6	increased	increase	VERB
easat-7157	51	7	investment	investment	NOUN
easat-7157	51	8	in	in	ADP
easat-7157	51	9	ai	ai	NOUN
easat-7157	51	10	to	to	PART
easat-7157	51	11	improve	improve	VERB
easat-7157	51	12	financial	financial	ADJ
easat-7157	51	13	services	service	NOUN
easat-7157	51	14	and	and	CCONJ
easat-7157	51	15	customer	customer	NOUN
easat-7157	51	16	interaction	interaction	NOUN
easat-7157	51	17	[	[	X
easat-7157	51	18	17	17	NUM
easat-7157	51	19	]	]	PUNCT
easat-7157	51	20	.	.	PUNCT
easat-7157	52	1	the	the	DET
easat-7157	52	2	financial	financial	ADJ
easat-7157	52	3	products	product	NOUN
easat-7157	52	4	have	have	AUX
easat-7157	52	5	been	be	AUX
easat-7157	52	6	driven	drive	VERB
easat-7157	52	7	by	by	ADP
easat-7157	52	8	ai	ai	VERB
easat-7157	52	9	to	to	PART
easat-7157	52	10	offer	offer	VERB
easat-7157	52	11	new	new	ADJ
easat-7157	52	12	models	model	NOUN
easat-7157	52	13	that	that	PRON
easat-7157	52	14	address	address	VERB
easat-7157	52	15	financial	financial	ADJ
easat-7157	52	16	challenges	challenge	NOUN
easat-7157	52	17	.	.	PUNCT
easat-7157	53	1	for	for	ADP
easat-7157	53	2	example	example	NOUN
easat-7157	53	3	,	,	PUNCT
easat-7157	53	4	blockchain	blockchain	PROPN
easat-7157	53	5	drives	drive	VERB
easat-7157	53	6	decentralized	decentralized	ADJ
easat-7157	53	7	finance	finance	NOUN
easat-7157	53	8	(	(	PUNCT
easat-7157	53	9	defi	defi	PROPN
easat-7157	53	10	)	)	PUNCT
easat-7157	53	11	to	to	PART
easat-7157	53	12	improve	improve	VERB
easat-7157	53	13	financial	financial	ADJ
easat-7157	53	14	insights	insight	NOUN
easat-7157	53	15	and	and	CCONJ
easat-7157	53	16	increase	increase	VERB
easat-7157	53	17	inclusivity	inclusivity	NOUN
easat-7157	53	18	,	,	PUNCT
easat-7157	53	19	sustainability	sustainability	NOUN
easat-7157	53	20	,	,	PUNCT
easat-7157	53	21	and	and	CCONJ
easat-7157	53	22	efficiency	efficiency	NOUN
easat-7157	53	23	[	[	X
easat-7157	53	24	18	18	NUM
easat-7157	53	25	]	]	PUNCT
easat-7157	53	26	.	.	PUNCT
easat-7157	54	1	ai	ai	VERB
easat-7157	54	2	improves	improve	VERB
easat-7157	54	3	financial	financial	ADJ
easat-7157	54	4	literacy	literacy	NOUN
easat-7157	54	5	,	,	PUNCT
easat-7157	54	6	facilitates	facilitate	VERB
easat-7157	54	7	well	well	ADV
easat-7157	54	8	-	-	PUNCT
easat-7157	54	9	informed	inform	VERB
easat-7157	54	10	investment	investment	NOUN
easat-7157	54	11	decisions	decision	NOUN
easat-7157	54	12	,	,	PUNCT
easat-7157	54	13	and	and	CCONJ
easat-7157	54	14	opens	open	VERB
easat-7157	54	15	up	up	ADP
easat-7157	54	16	new	new	ADJ
easat-7157	54	17	avenues	avenue	NOUN
easat-7157	54	18	for	for	ADP
easat-7157	54	19	financial	financial	ADJ
easat-7157	54	20	inclusion	inclusion	NOUN
easat-7157	54	21	[	[	X
easat-7157	54	22	1921	1921	NUM
easat-7157	54	23	]	]	PUNCT
easat-7157	54	24	.	.	PUNCT
easat-7157	55	1	the	the	DET
easat-7157	55	2	banking	banking	NOUN
easat-7157	55	3	sector	sector	NOUN
easat-7157	55	4	has	have	AUX
easat-7157	55	5	progressively	progressively	ADV
easat-7157	55	6	embraced	embrace	VERB
easat-7157	55	7	ai	ai	VERB
easat-7157	55	8	to	to	PART
easat-7157	55	9	improve	improve	VERB
easat-7157	55	10	its	its	PRON
easat-7157	55	11	products	product	NOUN
easat-7157	55	12	and	and	CCONJ
easat-7157	55	13	meet	meet	VERB
easat-7157	55	14	the	the	DET
easat-7157	55	15	financial	financial	ADJ
easat-7157	55	16	needs	need	NOUN
easat-7157	55	17	of	of	ADP
easat-7157	55	18	middleand	middleand	NOUN
easat-7157	55	19	lower	low	ADJ
easat-7157	55	20	-	-	PUNCT
easat-7157	55	21	income	income	NOUN
easat-7157	55	22	consumers	consumer	NOUN
easat-7157	56	1	[	[	X
easat-7157	56	2	22	22	NUM
easat-7157	56	3	]	]	PUNCT
easat-7157	56	4	.	.	PUNCT
easat-7157	57	1	competitiveness	competitiveness	NOUN
easat-7157	57	2	is	be	AUX
easat-7157	57	3	increased	increase	VERB
easat-7157	57	4	and	and	CCONJ
easat-7157	57	5	the	the	DET
easat-7157	57	6	successful	successful	ADJ
easat-7157	57	7	adoption	adoption	NOUN
easat-7157	57	8	of	of	ADP
easat-7157	57	9	ai	ai	NOUN
easat-7157	57	10	is	be	AUX
easat-7157	57	11	facilitated	facilitate	VERB
easat-7157	57	12	by	by	ADP
easat-7157	57	13	organisational	organisational	ADJ
easat-7157	57	14	preparedness	preparedness	NOUN
easat-7157	57	15	,	,	PUNCT
easat-7157	57	16	economic	economic	ADJ
easat-7157	57	17	conditions	condition	NOUN
easat-7157	57	18	,	,	PUNCT
easat-7157	57	19	and	and	CCONJ
easat-7157	57	20	technical	technical	ADJ
easat-7157	57	21	and	and	CCONJ
easat-7157	57	22	human	human	ADJ
easat-7157	57	23	capabilities	capability	NOUN
easat-7157	58	1	[	[	X
easat-7157	58	2	23	23	NUM
easat-7157	58	3	]	]	PUNCT
easat-7157	58	4	.	.	PUNCT
easat-7157	59	1	furthermore	furthermore	ADV
easat-7157	59	2	,	,	PUNCT
easat-7157	59	3	ai	ai	VERB
easat-7157	59	4	and	and	CCONJ
easat-7157	59	5	big	big	ADJ
easat-7157	59	6	data	datum	NOUN
easat-7157	59	7	improve	improve	VERB
easat-7157	59	8	decision	decision	NOUN
easat-7157	59	9	making	making	NOUN
easat-7157	59	10	regarding	regard	VERB
easat-7157	59	11	customer	customer	NOUN
easat-7157	59	12	1304	1304	NUM
easat-7157	59	13	edelweiss	edelweiss	PROPN
easat-7157	59	14	applied	apply	VERB
easat-7157	59	15	science	science	NOUN
easat-7157	59	16	and	and	CCONJ
easat-7157	59	17	technology	technology	NOUN
easat-7157	59	18	issn	issn	PROPN
easat-7157	59	19	:	:	PUNCT
easat-7157	59	20	2576	2576	NUM
easat-7157	59	21	-	-	SYM
easat-7157	59	22	8484	8484	NUM
easat-7157	59	23	vol	vol	NOUN
easat-7157	59	24	.	.	PROPN
easat-7157	60	1	9	9	NUM
easat-7157	60	2	,	,	PUNCT
easat-7157	60	3	no	no	INTJ
easat-7157	60	4	.	.	NOUN
easat-7157	60	5	5	5	NUM
easat-7157	60	6	:	:	SYM
easat-7157	60	7	1302	1302	NUM
easat-7157	60	8	-	-	SYM
easat-7157	60	9	1323	1323	NUM
easat-7157	60	10	,	,	PUNCT
easat-7157	60	11	2025	2025	NUM
easat-7157	60	12	doi	doi	NOUN
easat-7157	60	13	:	:	PUNCT
easat-7157	60	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	60	15	©	©	ADP
easat-7157	60	16	2025	2025	NUM
easat-7157	60	17	by	by	ADP
easat-7157	60	18	the	the	DET
easat-7157	60	19	authors	author	NOUN
easat-7157	60	20	;	;	PUNCT
easat-7157	61	1	licensee	licensee	PROPN
easat-7157	61	2	learning	learning	PROPN
easat-7157	61	3	gate	gate	PROPN
easat-7157	61	4	creditworthiness	creditworthiness	PROPN
easat-7157	61	5	and	and	CCONJ
easat-7157	61	6	financial	financial	ADJ
easat-7157	61	7	risk	risk	NOUN
easat-7157	61	8	,	,	PUNCT
easat-7157	61	9	driving	drive	VERB
easat-7157	61	10	financial	financial	ADJ
easat-7157	61	11	organizations	organization	NOUN
easat-7157	61	12	to	to	PART
easat-7157	61	13	adapt	adapt	VERB
easat-7157	61	14	their	their	PRON
easat-7157	61	15	business	business	NOUN
easat-7157	61	16	models	model	NOUN
easat-7157	61	17	and	and	CCONJ
easat-7157	61	18	enhance	enhance	VERB
easat-7157	61	19	their	their	PRON
easat-7157	61	20	public	public	ADJ
easat-7157	61	21	image	image	NOUN
easat-7157	61	22	[	[	X
easat-7157	61	23	24	24	NUM
easat-7157	61	24	]	]	PUNCT
easat-7157	61	25	.	.	PUNCT
easat-7157	62	1	regardless	regardless	ADV
easat-7157	62	2	of	of	ADP
easat-7157	62	3	technological	technological	ADJ
easat-7157	62	4	advances	advance	NOUN
easat-7157	62	5	in	in	ADP
easat-7157	62	6	ict	ict	PROPN
easat-7157	62	7	,	,	PUNCT
easat-7157	62	8	financial	financial	ADJ
easat-7157	62	9	institutions	institution	NOUN
easat-7157	62	10	struggle	struggle	VERB
easat-7157	62	11	to	to	PART
easat-7157	62	12	adopt	adopt	VERB
easat-7157	62	13	ai	ai	VERB
easat-7157	62	14	due	due	ADJ
easat-7157	62	15	to	to	ADP
easat-7157	62	16	technological	technological	ADJ
easat-7157	62	17	,	,	PUNCT
easat-7157	62	18	organizational	organizational	ADJ
easat-7157	62	19	,	,	PUNCT
easat-7157	62	20	and	and	CCONJ
easat-7157	62	21	environmental	environmental	ADJ
easat-7157	62	22	intricacies	intricacy	NOUN
easat-7157	62	23	.	.	PUNCT
easat-7157	63	1	the	the	DET
easat-7157	63	2	doi	doi	PROPN
easat-7157	63	3	theory	theory	NOUN
easat-7157	63	4	along	along	ADP
easat-7157	63	5	with	with	ADP
easat-7157	63	6	the	the	DET
easat-7157	63	7	toe	toe	NOUN
easat-7157	63	8	framework	framework	NOUN
easat-7157	63	9	analyses	analyse	VERB
easat-7157	63	10	the	the	DET
easat-7157	63	11	technology	technology	NOUN
easat-7157	63	12	,	,	PUNCT
easat-7157	63	13	organization	organization	NOUN
easat-7157	63	14	,	,	PUNCT
easat-7157	63	15	and	and	CCONJ
easat-7157	63	16	environment	environment	NOUN
easat-7157	63	17	with	with	ADP
easat-7157	63	18	regard	regard	NOUN
easat-7157	63	19	to	to	ADP
easat-7157	63	20	readiness	readiness	NOUN
easat-7157	63	21	and	and	CCONJ
easat-7157	63	22	organizational	organizational	ADJ
easat-7157	63	23	maturity	maturity	NOUN
easat-7157	63	24	,	,	PUNCT
easat-7157	63	25	outlining	outline	VERB
easat-7157	63	26	the	the	DET
easat-7157	63	27	support	support	NOUN
easat-7157	63	28	structure	structure	NOUN
easat-7157	63	29	available	available	ADJ
easat-7157	63	30	for	for	ADP
easat-7157	63	31	implementing	implement	VERB
easat-7157	63	32	ai	ai	PRON
easat-7157	63	33	adoption	adoption	NOUN
easat-7157	63	34	[	[	X
easat-7157	63	35	5	5	NUM
easat-7157	63	36	]	]	PUNCT
easat-7157	63	37	.	.	PUNCT
easat-7157	64	1	the	the	DET
easat-7157	64	2	diffusion	diffusion	NOUN
easat-7157	64	3	of	of	ADP
easat-7157	64	4	innovation	innovation	NOUN
easat-7157	64	5	(	(	PUNCT
easat-7157	64	6	doi	doi	NOUN
easat-7157	64	7	)	)	PUNCT
easat-7157	64	8	theory	theory	NOUN
easat-7157	64	9	and	and	CCONJ
easat-7157	64	10	the	the	DET
easat-7157	64	11	technology	technology	NOUN
easat-7157	64	12	-	-	PUNCT
easat-7157	64	13	organization	organization	NOUN
easat-7157	64	14	-	-	PUNCT
easat-7157	64	15	environment	environment	NOUN
easat-7157	64	16	(	(	PUNCT
easat-7157	64	17	toe	toe	NOUN
easat-7157	64	18	)	)	PUNCT
easat-7157	64	19	framework	framework	NOUN
easat-7157	64	20	provide	provide	VERB
easat-7157	64	21	valuable	valuable	ADJ
easat-7157	64	22	insights	insight	NOUN
easat-7157	64	23	into	into	ADP
easat-7157	64	24	the	the	DET
easat-7157	64	25	factors	factor	NOUN
easat-7157	64	26	that	that	PRON
easat-7157	64	27	drive	drive	VERB
easat-7157	64	28	ai	ai	VERB
easat-7157	64	29	adoption	adoption	NOUN
easat-7157	64	30	,	,	PUNCT
easat-7157	64	31	and	and	CCONJ
easat-7157	64	32	the	the	DET
easat-7157	64	33	challenges	challenge	NOUN
easat-7157	64	34	involved	involve	VERB
easat-7157	64	35	,	,	PUNCT
easat-7157	64	36	including	include	VERB
easat-7157	64	37	technology	technology	NOUN
easat-7157	64	38	readiness	readiness	NOUN
easat-7157	64	39	,	,	PUNCT
easat-7157	64	40	organizational	organizational	ADJ
easat-7157	64	41	maturity	maturity	NOUN
easat-7157	64	42	,	,	PUNCT
easat-7157	64	43	and	and	CCONJ
easat-7157	64	44	environmental	environmental	ADJ
easat-7157	64	45	support	support	NOUN
easat-7157	64	46	.	.	PUNCT
easat-7157	65	1	overcoming	overcome	VERB
easat-7157	65	2	these	these	DET
easat-7157	65	3	challenges	challenge	NOUN
easat-7157	65	4	need	need	VERB
easat-7157	65	5	aligning	align	VERB
easat-7157	65	6	business	business	NOUN
easat-7157	65	7	environments	environment	NOUN
easat-7157	65	8	with	with	ADP
easat-7157	65	9	technological	technological	ADJ
easat-7157	65	10	improvements	improvement	NOUN
easat-7157	65	11	and	and	CCONJ
easat-7157	65	12	building	build	VERB
easat-7157	65	13	organizational	organizational	ADJ
easat-7157	65	14	capabilities	capability	NOUN
easat-7157	65	15	.	.	PUNCT
easat-7157	66	1	prior	prior	ADJ
easat-7157	66	2	research	research	NOUN
easat-7157	66	3	indicates	indicate	VERB
easat-7157	66	4	that	that	SCONJ
easat-7157	66	5	organizational	organizational	ADJ
easat-7157	66	6	readiness	readiness	NOUN
easat-7157	66	7	and	and	CCONJ
easat-7157	66	8	technological	technological	ADJ
easat-7157	66	9	capacity	capacity	NOUN
easat-7157	66	10	are	be	AUX
easat-7157	66	11	critical	critical	ADJ
easat-7157	66	12	for	for	ADP
easat-7157	66	13	successfully	successfully	ADV
easat-7157	66	14	adopting	adopt	VERB
easat-7157	66	15	ai	ai	VERB
easat-7157	66	16	[	[	X
easat-7157	66	17	25	25	NUM
easat-7157	66	18	]	]	PUNCT
easat-7157	66	19	.	.	PUNCT
easat-7157	67	1	the	the	DET
easat-7157	67	2	financial	financial	ADJ
easat-7157	67	3	sector	sector	NOUN
easat-7157	67	4	needs	need	VERB
easat-7157	67	5	to	to	PART
easat-7157	67	6	enhance	enhance	VERB
easat-7157	67	7	its	its	PRON
easat-7157	67	8	technical	technical	ADJ
easat-7157	67	9	and	and	CCONJ
easat-7157	67	10	human	human	ADJ
easat-7157	67	11	competencies	competency	NOUN
easat-7157	67	12	to	to	PART
easat-7157	67	13	integrate	integrate	VERB
easat-7157	67	14	ai	ai	INTJ
easat-7157	67	15	and	and	CCONJ
easat-7157	67	16	improve	improve	VERB
easat-7157	67	17	profitability	profitability	NOUN
easat-7157	67	18	and	and	CCONJ
easat-7157	67	19	service	service	NOUN
easat-7157	67	20	quality	quality	NOUN
easat-7157	67	21	.	.	PUNCT
easat-7157	68	1	tech	tech	NOUN
easat-7157	68	2	evolution	evolution	NOUN
easat-7157	68	3	,	,	PUNCT
easat-7157	68	4	such	such	ADJ
easat-7157	68	5	as	as	ADP
easat-7157	68	6	digital	digital	ADJ
easat-7157	68	7	banking	banking	NOUN
easat-7157	68	8	,	,	PUNCT
easat-7157	68	9	offers	offer	VERB
easat-7157	68	10	cost	cost	NOUN
easat-7157	68	11	-	-	PUNCT
easat-7157	68	12	effective	effective	ADJ
easat-7157	68	13	solutions	solution	NOUN
easat-7157	68	14	to	to	ADP
easat-7157	68	15	the	the	DET
easat-7157	68	16	challenges	challenge	NOUN
easat-7157	68	17	of	of	ADP
easat-7157	68	18	expanding	expand	VERB
easat-7157	68	19	physical	physical	ADJ
easat-7157	68	20	banking	banking	NOUN
easat-7157	68	21	infrastructure	infrastructure	NOUN
easat-7157	68	22	,	,	PUNCT
easat-7157	68	23	particularly	particularly	ADV
easat-7157	68	24	in	in	ADP
easat-7157	68	25	low	low	ADJ
easat-7157	68	26	-	-	PUNCT
easat-7157	68	27	income	income	NOUN
easat-7157	68	28	markets	market	NOUN
easat-7157	68	29	[	[	X
easat-7157	68	30	12	12	NUM
easat-7157	68	31	]	]	PUNCT
easat-7157	68	32	.	.	PUNCT
easat-7157	69	1	existing	exist	VERB
easat-7157	69	2	research	research	NOUN
easat-7157	69	3	on	on	ADP
easat-7157	69	4	ai	ai	PRON
easat-7157	69	5	adoption	adoption	NOUN
easat-7157	69	6	in	in	ADP
easat-7157	69	7	the	the	DET
easat-7157	69	8	financial	financial	ADJ
easat-7157	69	9	sector	sector	NOUN
easat-7157	69	10	,	,	PUNCT
easat-7157	69	11	particularly	particularly	ADV
easat-7157	69	12	in	in	ADP
easat-7157	69	13	emerging	emerge	VERB
easat-7157	69	14	markets	market	NOUN
easat-7157	69	15	,	,	PUNCT
easat-7157	69	16	is	be	AUX
easat-7157	69	17	limited	limited	ADJ
easat-7157	69	18	.	.	PUNCT
easat-7157	70	1	this	this	DET
easat-7157	70	2	study	study	NOUN
easat-7157	70	3	addresses	address	VERB
easat-7157	70	4	this	this	DET
easat-7157	70	5	gap	gap	NOUN
easat-7157	70	6	by	by	ADP
easat-7157	70	7	developing	develop	VERB
easat-7157	70	8	theoretical	theoretical	ADJ
easat-7157	70	9	propositions	proposition	NOUN
easat-7157	70	10	that	that	PRON
easat-7157	70	11	identify	identify	VERB
easat-7157	70	12	the	the	DET
easat-7157	70	13	key	key	ADJ
easat-7157	70	14	drivers	driver	NOUN
easat-7157	70	15	of	of	ADP
easat-7157	70	16	ai	ai	PRON
easat-7157	70	17	adoption	adoption	NOUN
easat-7157	70	18	and	and	CCONJ
easat-7157	70	19	its	its	PRON
easat-7157	70	20	impact	impact	NOUN
easat-7157	70	21	on	on	ADP
easat-7157	70	22	financial	financial	ADJ
easat-7157	70	23	inclusion	inclusion	NOUN
easat-7157	70	24	using	use	VERB
easat-7157	70	25	doi	doi	NOUN
easat-7157	70	26	theory	theory	NOUN
easat-7157	70	27	and	and	CCONJ
easat-7157	70	28	the	the	DET
easat-7157	70	29	toe	toe	NOUN
easat-7157	70	30	framework	framework	NOUN
easat-7157	70	31	.	.	PUNCT
easat-7157	71	1	by	by	ADP
easat-7157	71	2	expanding	expand	VERB
easat-7157	71	3	the	the	DET
easat-7157	71	4	body	body	NOUN
easat-7157	71	5	of	of	ADP
easat-7157	71	6	ai	ai	PROPN
easat-7157	71	7	literature	literature	NOUN
easat-7157	71	8	,	,	PUNCT
easat-7157	71	9	this	this	DET
easat-7157	71	10	study	study	NOUN
easat-7157	71	11	clarifies	clarify	VERB
easat-7157	71	12	the	the	DET
easat-7157	71	13	complex	complex	ADJ
easat-7157	71	14	process	process	NOUN
easat-7157	71	15	of	of	ADP
easat-7157	71	16	ai	ai	ADJ
easat-7157	71	17	adoption	adoption	NOUN
easat-7157	71	18	and	and	CCONJ
easat-7157	71	19	its	its	PRON
easat-7157	71	20	implications	implication	NOUN
easat-7157	71	21	for	for	ADP
easat-7157	71	22	financial	financial	ADJ
easat-7157	71	23	inclusion	inclusion	NOUN
easat-7157	71	24	and	and	CCONJ
easat-7157	71	25	sustainability	sustainability	NOUN
easat-7157	71	26	in	in	ADP
easat-7157	71	27	emerging	emerge	VERB
easat-7157	71	28	economies	economy	NOUN
easat-7157	71	29	.	.	PUNCT
easat-7157	72	1	2	2	X
easat-7157	72	2	.	.	X
easat-7157	72	3	research	research	NOUN
easat-7157	72	4	design	design	VERB
easat-7157	72	5	the	the	DET
easat-7157	72	6	purpose	purpose	NOUN
easat-7157	72	7	of	of	ADP
easat-7157	72	8	this	this	DET
easat-7157	72	9	study	study	NOUN
easat-7157	72	10	is	be	AUX
easat-7157	72	11	to	to	PART
easat-7157	72	12	determine	determine	VERB
easat-7157	72	13	the	the	DET
easat-7157	72	14	main	main	ADJ
easat-7157	72	15	forces	force	NOUN
easat-7157	72	16	behind	behind	ADP
easat-7157	72	17	the	the	DET
easat-7157	72	18	financial	financial	ADJ
easat-7157	72	19	industry	industry	NOUN
easat-7157	72	20	's	's	PART
easat-7157	72	21	adoption	adoption	NOUN
easat-7157	72	22	of	of	ADP
easat-7157	72	23	ai	ai	NOUN
easat-7157	72	24	and	and	CCONJ
easat-7157	72	25	how	how	SCONJ
easat-7157	72	26	they	they	PRON
easat-7157	72	27	affect	affect	VERB
easat-7157	72	28	financial	financial	ADJ
easat-7157	72	29	inclusion	inclusion	NOUN
easat-7157	72	30	.	.	PUNCT
easat-7157	73	1	the	the	DET
easat-7157	73	2	literature	literature	NOUN
easat-7157	73	3	has	have	VERB
easat-7157	73	4	various	various	ADJ
easat-7157	73	5	methods	method	NOUN
easat-7157	73	6	,	,	PUNCT
easat-7157	73	7	including	include	VERB
easat-7157	73	8	systematic	systematic	ADJ
easat-7157	73	9	reviews	review	NOUN
easat-7157	73	10	,	,	PUNCT
easat-7157	73	11	narrative	narrative	ADJ
easat-7157	73	12	reviews	review	NOUN
easat-7157	73	13	,	,	PUNCT
easat-7157	73	14	integrative	integrative	ADJ
easat-7157	73	15	reviews	review	NOUN
easat-7157	73	16	,	,	PUNCT
easat-7157	73	17	systematic	systematic	ADJ
easat-7157	73	18	reviews	review	NOUN
easat-7157	73	19	with	with	ADP
easat-7157	73	20	meta	meta	NOUN
easat-7157	73	21	-	-	PUNCT
easat-7157	73	22	analyses	analysis	NOUN
easat-7157	73	23	,	,	PUNCT
easat-7157	73	24	semi	semi	ADJ
easat-7157	73	25	-	-	ADJ
easat-7157	73	26	systematic	systematic	ADJ
easat-7157	73	27	reviews	review	NOUN
easat-7157	73	28	,	,	PUNCT
easat-7157	73	29	and	and	CCONJ
easat-7157	73	30	review	review	VERB
easat-7157	73	31	papers	paper	NOUN
easat-7157	73	32	[	[	X
easat-7157	73	33	26	26	NUM
easat-7157	73	34	]	]	PUNCT
easat-7157	73	35	.	.	PUNCT
easat-7157	74	1	this	this	DET
easat-7157	74	2	study	study	NOUN
easat-7157	74	3	used	use	VERB
easat-7157	74	4	an	an	DET
easat-7157	74	5	integrative	integrative	ADJ
easat-7157	74	6	review	review	NOUN
easat-7157	74	7	and	and	CCONJ
easat-7157	74	8	bibliometric	bibliometric	ADJ
easat-7157	74	9	approach	approach	NOUN
easat-7157	74	10	utilizing	utilize	VERB
easat-7157	74	11	keyword	keyword	NOUN
easat-7157	74	12	-	-	PUNCT
easat-7157	74	13	based	base	VERB
easat-7157	74	14	filtering	filtering	NOUN
easat-7157	74	15	to	to	PART
easat-7157	74	16	focus	focus	VERB
easat-7157	74	17	on	on	ADP
easat-7157	74	18	ai	ai	ADJ
easat-7157	74	19	and	and	CCONJ
easat-7157	74	20	financial	financial	ADJ
easat-7157	74	21	inclusion	inclusion	NOUN
easat-7157	74	22	.	.	PUNCT
easat-7157	75	1	this	this	DET
easat-7157	75	2	method	method	NOUN
easat-7157	75	3	is	be	AUX
easat-7157	75	4	particularly	particularly	ADV
easat-7157	75	5	suitable	suitable	ADJ
easat-7157	75	6	for	for	ADP
easat-7157	75	7	identifying	identify	VERB
easat-7157	75	8	quantitative	quantitative	ADJ
easat-7157	75	9	and	and	CCONJ
easat-7157	75	10	qualitative	qualitative	ADJ
easat-7157	75	11	studies	study	NOUN
easat-7157	75	12	that	that	PRON
easat-7157	75	13	support	support	VERB
easat-7157	75	14	the	the	DET
easat-7157	75	15	research	research	NOUN
easat-7157	75	16	framework	framework	NOUN
easat-7157	75	17	and	and	CCONJ
easat-7157	75	18	propositions	proposition	NOUN
easat-7157	75	19	[	[	PUNCT
easat-7157	75	20	26	26	NUM
easat-7157	75	21	]	]	PUNCT
easat-7157	75	22	.	.	PUNCT
easat-7157	76	1	additionally	additionally	ADV
easat-7157	76	2	,	,	PUNCT
easat-7157	76	3	a	a	DET
easat-7157	76	4	bibliometric	bibliometric	ADJ
easat-7157	76	5	analysis	analysis	NOUN
easat-7157	76	6	was	be	AUX
easat-7157	76	7	applied	apply	VERB
easat-7157	76	8	to	to	PART
easat-7157	76	9	examine	examine	VERB
easat-7157	76	10	trends	trend	NOUN
easat-7157	76	11	in	in	ADP
easat-7157	76	12	the	the	DET
easat-7157	76	13	volume	volume	NOUN
easat-7157	76	14	of	of	ADP
easat-7157	76	15	scientific	scientific	ADJ
easat-7157	76	16	research	research	NOUN
easat-7157	76	17	on	on	ADP
easat-7157	76	18	ai	ai	ADJ
easat-7157	76	19	and	and	CCONJ
easat-7157	76	20	financial	financial	ADJ
easat-7157	76	21	inclusion	inclusion	NOUN
easat-7157	76	22	,	,	PUNCT
easat-7157	76	23	identify	identify	VERB
easat-7157	76	24	leading	leading	ADJ
easat-7157	76	25	countries	country	NOUN
easat-7157	76	26	in	in	ADP
easat-7157	76	27	scientific	scientific	ADJ
easat-7157	76	28	publications	publication	NOUN
easat-7157	76	29	,	,	PUNCT
easat-7157	76	30	and	and	CCONJ
easat-7157	76	31	establish	establish	VERB
easat-7157	76	32	keyword	keyword	NOUN
easat-7157	76	33	-	-	PUNCT
easat-7157	76	34	based	base	VERB
easat-7157	76	35	thematic	thematic	ADJ
easat-7157	76	36	classifications	classification	NOUN
easat-7157	76	37	.	.	PUNCT
easat-7157	77	1	a	a	DET
easat-7157	77	2	bibliometric	bibliometric	ADJ
easat-7157	77	3	approach	approach	NOUN
easat-7157	77	4	was	be	AUX
easat-7157	77	5	chosen	choose	VERB
easat-7157	77	6	to	to	PART
easat-7157	77	7	uncover	uncover	VERB
easat-7157	77	8	gaps	gap	NOUN
easat-7157	77	9	in	in	ADP
easat-7157	77	10	the	the	DET
easat-7157	77	11	literature	literature	NOUN
easat-7157	77	12	and	and	CCONJ
easat-7157	77	13	highlight	highlight	VERB
easat-7157	77	14	the	the	DET
easat-7157	77	15	need	need	NOUN
easat-7157	77	16	for	for	ADP
easat-7157	77	17	further	further	ADJ
easat-7157	77	18	research	research	NOUN
easat-7157	77	19	,	,	PUNCT
easat-7157	77	20	particularly	particularly	ADV
easat-7157	77	21	in	in	ADP
easat-7157	77	22	emerging	emerge	VERB
easat-7157	77	23	economies	economy	NOUN
easat-7157	77	24	,	,	PUNCT
easat-7157	77	25	to	to	PART
easat-7157	77	26	advance	advance	VERB
easat-7157	77	27	knowledge	knowledge	NOUN
easat-7157	77	28	in	in	ADP
easat-7157	77	29	this	this	DET
easat-7157	77	30	field	field	NOUN
easat-7157	77	31	.	.	PUNCT
easat-7157	78	1	according	accord	VERB
easat-7157	78	2	to	to	ADP
easat-7157	78	3	öztürk	öztürk	NOUN
easat-7157	78	4	,	,	PUNCT
easat-7157	78	5	et	et	PROPN
easat-7157	78	6	al	al	PROPN
easat-7157	78	7	.	.	PUNCT
easat-7157	79	1	[	[	X
easat-7157	79	2	27	27	NUM
easat-7157	79	3	]	]	PUNCT
easat-7157	79	4	web	web	NOUN
easat-7157	79	5	of	of	ADP
easat-7157	79	6	science	science	NOUN
easat-7157	79	7	and	and	CCONJ
easat-7157	79	8	scopus	scopus	NOUN
easat-7157	79	9	are	be	AUX
easat-7157	79	10	the	the	DET
easat-7157	79	11	two	two	NUM
easat-7157	79	12	largest	large	ADJ
easat-7157	79	13	academic	academic	ADJ
easat-7157	79	14	databases	database	NOUN
easat-7157	79	15	,	,	PUNCT
easat-7157	79	16	with	with	ADP
easat-7157	79	17	a	a	DET
easat-7157	79	18	significant	significant	ADJ
easat-7157	79	19	overlap	overlap	NOUN
easat-7157	79	20	in	in	ADP
easat-7157	79	21	the	the	DET
easat-7157	79	22	fields	field	NOUN
easat-7157	79	23	of	of	ADP
easat-7157	79	24	business	business	NOUN
easat-7157	79	25	and	and	CCONJ
easat-7157	79	26	management	management	NOUN
easat-7157	79	27	.	.	PUNCT
easat-7157	80	1	based	base	VERB
easat-7157	80	2	on	on	ADP
easat-7157	80	3	a	a	DET
easat-7157	80	4	comparative	comparative	ADJ
easat-7157	80	5	analysis	analysis	NOUN
easat-7157	80	6	of	of	ADP
easat-7157	80	7	these	these	DET
easat-7157	80	8	databases	database	NOUN
easat-7157	80	9	confirmed	confirm	VERB
easat-7157	80	10	that	that	SCONJ
easat-7157	80	11	scopus	scopus	PROPN
easat-7157	80	12	contains	contain	VERB
easat-7157	80	13	the	the	DET
easat-7157	80	14	majority	majority	NOUN
easat-7157	80	15	of	of	ADP
easat-7157	80	16	relevant	relevant	ADJ
easat-7157	80	17	publications	publication	NOUN
easat-7157	80	18	,	,	PUNCT
easat-7157	80	19	with	with	ADP
easat-7157	80	20	substantial	substantial	ADJ
easat-7157	80	21	duplication	duplication	NOUN
easat-7157	80	22	between	between	ADP
easat-7157	80	23	the	the	DET
easat-7157	80	24	two	two	NUM
easat-7157	80	25	[	[	NOUN
easat-7157	80	26	27	27	NUM
easat-7157	80	27	]	]	PUNCT
easat-7157	80	28	.	.	PUNCT
easat-7157	81	1	to	to	PART
easat-7157	81	2	avoid	avoid	VERB
easat-7157	81	3	redundancy	redundancy	NOUN
easat-7157	81	4	,	,	PUNCT
easat-7157	81	5	this	this	DET
easat-7157	81	6	study	study	NOUN
easat-7157	81	7	exclusively	exclusively	ADV
easat-7157	81	8	utilized	utilize	VERB
easat-7157	81	9	scopus	scopus	NOUN
easat-7157	81	10	owing	owe	VERB
easat-7157	81	11	to	to	ADP
easat-7157	81	12	its	its	PRON
easat-7157	81	13	broad	broad	ADJ
easat-7157	81	14	interdisciplinary	interdisciplinary	ADJ
easat-7157	81	15	coverage	coverage	NOUN
easat-7157	81	16	,	,	PUNCT
easat-7157	81	17	user	user	NOUN
easat-7157	81	18	-	-	PUNCT
easat-7157	81	19	friendly	friendly	ADJ
easat-7157	81	20	interface	interface	NOUN
easat-7157	81	21	,	,	PUNCT
easat-7157	81	22	extensive	extensive	ADJ
easat-7157	81	23	collection	collection	NOUN
easat-7157	81	24	of	of	ADP
easat-7157	81	25	high	high	ADJ
easat-7157	81	26	-	-	PUNCT
easat-7157	81	27	quality	quality	NOUN
easat-7157	81	28	journals	journal	NOUN
easat-7157	81	29	,	,	PUNCT
easat-7157	81	30	and	and	CCONJ
easat-7157	81	31	strong	strong	ADJ
easat-7157	81	32	reputation	reputation	NOUN
easat-7157	81	33	in	in	ADP
easat-7157	81	34	economics	economic	NOUN
easat-7157	81	35	and	and	CCONJ
easat-7157	81	36	social	social	ADJ
easat-7157	81	37	sciences	science	NOUN
easat-7157	81	38	.	.	PUNCT
easat-7157	82	1	this	this	DET
easat-7157	82	2	approach	approach	NOUN
easat-7157	82	3	is	be	AUX
easat-7157	82	4	consistent	consistent	ADJ
easat-7157	82	5	with	with	ADP
easat-7157	82	6	prior	prior	ADJ
easat-7157	82	7	studies	study	NOUN
easat-7157	82	8	,	,	PUNCT
easat-7157	82	9	such	such	ADJ
easat-7157	82	10	as	as	ADP
easat-7157	82	11	pandey	pandey	PROPN
easat-7157	82	12	,	,	PUNCT
easat-7157	82	13	et	et	PROPN
easat-7157	82	14	al	al	PROPN
easat-7157	82	15	.	.	PUNCT
easat-7157	83	1	[	[	X
easat-7157	83	2	28	28	NUM
easat-7157	83	3	]	]	X
easat-7157	83	4	;	;	PUNCT
easat-7157	83	5	raman	raman	NOUN
easat-7157	83	6	,	,	PUNCT
easat-7157	83	7	et	et	PROPN
easat-7157	83	8	al	al	PROPN
easat-7157	83	9	.	.	PUNCT
easat-7157	84	1	[	[	X
easat-7157	84	2	29	29	NUM
easat-7157	84	3	]	]	PUNCT
easat-7157	84	4	and	and	CCONJ
easat-7157	84	5	younis	younis	PROPN
easat-7157	84	6	,	,	PUNCT
easat-7157	84	7	et	et	PROPN
easat-7157	84	8	al	al	PROPN
easat-7157	84	9	.	.	PUNCT
easat-7157	85	1	[	[	X
easat-7157	85	2	30	30	NUM
easat-7157	85	3	]	]	PUNCT
easat-7157	85	4	and	and	CCONJ
easat-7157	85	5	aims	aim	VERB
easat-7157	85	6	to	to	PART
easat-7157	85	7	minimize	minimize	VERB
easat-7157	85	8	bias	bias	NOUN
easat-7157	85	9	while	while	SCONJ
easat-7157	85	10	ensuring	ensure	VERB
easat-7157	85	11	comprehensive	comprehensive	ADJ
easat-7157	85	12	literature	literature	NOUN
easat-7157	85	13	coverage	coverage	NOUN
easat-7157	85	14	of	of	ADP
easat-7157	85	15	ai	ai	NOUN
easat-7157	85	16	and	and	CCONJ
easat-7157	85	17	financial	financial	ADJ
easat-7157	85	18	inclusion	inclusion	NOUN
easat-7157	85	19	.	.	PUNCT
easat-7157	86	1	the	the	DET
easat-7157	86	2	selected	select	VERB
easat-7157	86	3	articles	article	NOUN
easat-7157	86	4	were	be	AUX
easat-7157	86	5	published	publish	VERB
easat-7157	86	6	within	within	ADP
easat-7157	86	7	the	the	DET
easat-7157	86	8	last	last	ADJ
easat-7157	86	9	five	five	NUM
easat-7157	86	10	years	year	NOUN
easat-7157	86	11	,	,	PUNCT
easat-7157	86	12	with	with	ADP
easat-7157	86	13	data	datum	NOUN
easat-7157	86	14	ranging	range	VERB
easat-7157	86	15	from	from	ADP
easat-7157	86	16	2018	2018	NUM
easat-7157	86	17	to	to	ADP
easat-7157	86	18	2023	2023	NUM
easat-7157	86	19	,	,	PUNCT
easat-7157	86	20	as	as	SCONJ
easat-7157	86	21	illustrated	illustrate	VERB
easat-7157	86	22	in	in	ADP
easat-7157	86	23	figure	figure	NOUN
easat-7157	86	24	1	1	NUM
easat-7157	86	25	.	.	PUNCT
easat-7157	87	1	keywords	keyword	NOUN
easat-7157	87	2	were	be	AUX
easat-7157	87	3	refined	refine	VERB
easat-7157	87	4	to	to	PART
easat-7157	87	5	enhance	enhance	VERB
easat-7157	87	6	accuracy	accuracy	NOUN
easat-7157	87	7	and	and	CCONJ
easat-7157	87	8	specificity	specificity	NOUN
easat-7157	87	9	,	,	PUNCT
easat-7157	87	10	ensuring	ensure	VERB
easat-7157	87	11	the	the	DET
easat-7157	87	12	inclusion	inclusion	NOUN
easat-7157	87	13	of	of	ADP
easat-7157	87	14	relevant	relevant	ADJ
easat-7157	87	15	scientific	scientific	ADJ
easat-7157	87	16	publications	publication	NOUN
easat-7157	87	17	that	that	PRON
easat-7157	87	18	comprehensively	comprehensively	ADV
easat-7157	87	19	explored	explore	VERB
easat-7157	87	20	ai	ai	NOUN
easat-7157	87	21	’s	’s	PART
easat-7157	87	22	role	role	NOUN
easat-7157	87	23	of	of	ADP
easat-7157	87	24	ai	ai	VERB
easat-7157	87	25	in	in	ADP
easat-7157	87	26	the	the	DET
easat-7157	87	27	financial	financial	ADJ
easat-7157	87	28	sector	sector	NOUN
easat-7157	87	29	.	.	PUNCT
easat-7157	88	1	expanding	expand	VERB
easat-7157	88	2	these	these	DET
easat-7157	88	3	keywords	keyword	NOUN
easat-7157	88	4	enabled	enable	VERB
easat-7157	88	5	the	the	DET
easat-7157	88	6	collection	collection	NOUN
easat-7157	88	7	of	of	ADP
easat-7157	88	8	a	a	DET
easat-7157	88	9	broad	broad	ADJ
easat-7157	88	10	range	range	NOUN
easat-7157	88	11	of	of	ADP
easat-7157	88	12	articles	article	NOUN
easat-7157	88	13	,	,	PUNCT
easat-7157	88	14	enriching	enrich	VERB
easat-7157	88	15	the	the	DET
easat-7157	88	16	existing	exist	VERB
easat-7157	88	17	literature	literature	NOUN
easat-7157	88	18	and	and	CCONJ
easat-7157	88	19	identifying	identify	VERB
easat-7157	88	20	trends	trend	NOUN
easat-7157	88	21	in	in	ADP
easat-7157	88	22	ai	ai	ADJ
easat-7157	88	23	and	and	CCONJ
easat-7157	88	24	financial	financial	ADJ
easat-7157	88	25	inclusion	inclusion	NOUN
easat-7157	88	26	research	research	NOUN
easat-7157	88	27	.	.	PUNCT
easat-7157	89	1	keywords	keyword	NOUN
easat-7157	89	2	were	be	AUX
easat-7157	89	3	selected	select	VERB
easat-7157	89	4	based	base	VERB
easat-7157	89	5	on	on	ADP
easat-7157	89	6	their	their	PRON
easat-7157	89	7	relevance	relevance	NOUN
easat-7157	89	8	to	to	ADP
easat-7157	89	9	the	the	DET
easat-7157	89	10	research	research	NOUN
easat-7157	89	11	topic	topic	NOUN
easat-7157	89	12	,	,	PUNCT
easat-7157	89	13	frequency	frequency	NOUN
easat-7157	89	14	in	in	ADP
easat-7157	89	15	the	the	DET
easat-7157	89	16	literature	literature	NOUN
easat-7157	89	17	,	,	PUNCT
easat-7157	89	18	alignment	alignment	NOUN
easat-7157	89	19	with	with	ADP
easat-7157	89	20	key	key	ADJ
easat-7157	89	21	ai	ai	NOUN
easat-7157	89	22	,	,	PUNCT
easat-7157	89	23	and	and	CCONJ
easat-7157	89	24	financial	financial	ADJ
easat-7157	89	25	inclusion	inclusion	NOUN
easat-7157	89	26	concepts	concept	NOUN
easat-7157	89	27	.	.	PUNCT
easat-7157	90	1	the	the	DET
easat-7157	90	2	inclusion	inclusion	NOUN
easat-7157	90	3	criteria	criterion	NOUN
easat-7157	90	4	were	be	AUX
easat-7157	90	5	restricted	restrict	VERB
easat-7157	90	6	to	to	ADP
easat-7157	90	7	peer	peer	NOUN
easat-7157	90	8	-	-	PUNCT
easat-7157	90	9	reviewed	review	VERB
easat-7157	90	10	journal	journal	NOUN
easat-7157	90	11	articles	article	NOUN
easat-7157	90	12	published	publish	VERB
easat-7157	90	13	within	within	ADP
easat-7157	90	14	the	the	DET
easat-7157	90	15	last	last	ADJ
easat-7157	90	16	five	five	NUM
easat-7157	90	17	years	year	NOUN
easat-7157	90	18	,	,	PUNCT
easat-7157	90	19	specifically	specifically	ADV
easat-7157	90	20	in	in	ADP
easat-7157	90	21	the	the	DET
easat-7157	90	22	fields	field	NOUN
easat-7157	90	23	of	of	ADP
easat-7157	90	24	business	business	NOUN
easat-7157	90	25	,	,	PUNCT
easat-7157	90	26	management	management	NOUN
easat-7157	90	27	,	,	PUNCT
easat-7157	90	28	accounting	accounting	NOUN
easat-7157	90	29	,	,	PUNCT
easat-7157	90	30	economics	economic	NOUN
easat-7157	90	31	,	,	PUNCT
easat-7157	90	32	econometrics	econometric	NOUN
easat-7157	90	33	,	,	PUNCT
easat-7157	90	34	and	and	CCONJ
easat-7157	90	35	finance	finance	NOUN
easat-7157	90	36	.	.	PUNCT
easat-7157	91	1	studies	study	NOUN
easat-7157	91	2	that	that	PRON
easat-7157	91	3	did	do	AUX
easat-7157	91	4	not	not	PART
easat-7157	91	5	directly	directly	ADV
easat-7157	91	6	address	address	VERB
easat-7157	91	7	ai	ai	VERB
easat-7157	91	8	adoption	adoption	NOUN
easat-7157	91	9	or	or	CCONJ
easat-7157	91	10	financial	financial	ADJ
easat-7157	91	11	considerations	consideration	NOUN
easat-7157	91	12	1305	1305	NUM
easat-7157	91	13	edelweiss	edelweiss	PROPN
easat-7157	91	14	applied	apply	VERB
easat-7157	91	15	science	science	NOUN
easat-7157	91	16	and	and	CCONJ
easat-7157	91	17	technology	technology	NOUN
easat-7157	91	18	issn	issn	PROPN
easat-7157	91	19	:	:	PUNCT
easat-7157	91	20	2576	2576	NUM
easat-7157	91	21	-	-	SYM
easat-7157	91	22	8484	8484	NUM
easat-7157	91	23	vol	vol	NOUN
easat-7157	91	24	.	.	PROPN
easat-7157	92	1	9	9	NUM
easat-7157	92	2	,	,	PUNCT
easat-7157	92	3	no	no	INTJ
easat-7157	92	4	.	.	NOUN
easat-7157	92	5	5	5	NUM
easat-7157	92	6	:	:	SYM
easat-7157	92	7	1302	1302	NUM
easat-7157	92	8	-	-	SYM
easat-7157	92	9	1323	1323	NUM
easat-7157	92	10	,	,	PUNCT
easat-7157	92	11	2025	2025	NUM
easat-7157	92	12	doi	doi	NOUN
easat-7157	92	13	:	:	PUNCT
easat-7157	92	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	92	15	©	©	ADP
easat-7157	92	16	2025	2025	NUM
easat-7157	92	17	by	by	ADP
easat-7157	92	18	the	the	DET
easat-7157	92	19	authors	author	NOUN
easat-7157	92	20	;	;	PUNCT
easat-7157	92	21	licensee	licensee	PROPN
easat-7157	92	22	learning	learning	NOUN
easat-7157	92	23	gate	gate	NOUN
easat-7157	92	24	were	be	AUX
easat-7157	92	25	also	also	ADV
easat-7157	92	26	excluded	exclude	VERB
easat-7157	92	27	.	.	PUNCT
easat-7157	93	1	the	the	DET
easat-7157	93	2	analytical	analytical	ADJ
easat-7157	93	3	process	process	NOUN
easat-7157	93	4	involved	involve	VERB
easat-7157	93	5	a	a	DET
easat-7157	93	6	systematic	systematic	ADJ
easat-7157	93	7	review	review	NOUN
easat-7157	93	8	of	of	ADP
easat-7157	93	9	the	the	DET
easat-7157	93	10	studies	study	NOUN
easat-7157	93	11	retrieved	retrieve	VERB
easat-7157	93	12	from	from	ADP
easat-7157	93	13	scopus	scopus	NOUN
easat-7157	93	14	with	with	ADP
easat-7157	93	15	a	a	DET
easat-7157	93	16	focus	focus	NOUN
easat-7157	93	17	on	on	ADP
easat-7157	93	18	extracting	extract	VERB
easat-7157	93	19	relevant	relevant	ADJ
easat-7157	93	20	data	datum	NOUN
easat-7157	93	21	to	to	PART
easat-7157	93	22	develop	develop	VERB
easat-7157	93	23	the	the	DET
easat-7157	93	24	propositions	proposition	NOUN
easat-7157	93	25	of	of	ADP
easat-7157	93	26	the	the	DET
easat-7157	93	27	research	research	NOUN
easat-7157	93	28	framework	framework	NOUN
easat-7157	93	29	.	.	PUNCT
easat-7157	94	1	a	a	DET
easat-7157	94	2	cross	cross	NOUN
easat-7157	94	3	-	-	NOUN
easat-7157	94	4	check	check	NOUN
easat-7157	94	5	with	with	ADP
easat-7157	94	6	web	web	NOUN
easat-7157	94	7	of	of	ADP
easat-7157	94	8	science	science	NOUN
easat-7157	94	9	revealed	reveal	VERB
easat-7157	94	10	that	that	SCONJ
easat-7157	94	11	most	most	ADJ
easat-7157	94	12	articles	article	NOUN
easat-7157	94	13	appeared	appear	VERB
easat-7157	94	14	in	in	ADP
easat-7157	94	15	both	both	DET
easat-7157	94	16	databases	database	NOUN
easat-7157	94	17	.	.	PUNCT
easat-7157	95	1	therefore	therefore	ADV
easat-7157	95	2	,	,	PUNCT
easat-7157	95	3	scopus	scopus	PROPN
easat-7157	95	4	was	be	AUX
easat-7157	95	5	selected	select	VERB
easat-7157	95	6	to	to	PART
easat-7157	95	7	minimize	minimize	VERB
easat-7157	95	8	duplication	duplication	NOUN
easat-7157	95	9	and	and	CCONJ
easat-7157	95	10	ensure	ensure	VERB
easat-7157	95	11	the	the	DET
easat-7157	95	12	reliability	reliability	NOUN
easat-7157	95	13	of	of	ADP
easat-7157	95	14	the	the	DET
easat-7157	95	15	dataset	dataset	NOUN
easat-7157	95	16	.	.	PUNCT
easat-7157	96	1	the	the	DET
easat-7157	96	2	flow	flow	NOUN
easat-7157	96	3	diagram	diagram	NOUN
easat-7157	96	4	below	below	ADV
easat-7157	96	5	shows	show	VERB
easat-7157	96	6	the	the	DET
easat-7157	96	7	processing	processing	NOUN
easat-7157	96	8	of	of	ADP
easat-7157	96	9	the	the	DET
easat-7157	96	10	existing	exist	VERB
easat-7157	96	11	ai	ai	NOUN
easat-7157	96	12	and	and	CCONJ
easat-7157	96	13	financial	financial	ADJ
easat-7157	96	14	inclusion	inclusion	NOUN
easat-7157	96	15	literature	literature	NOUN
easat-7157	96	16	.	.	PUNCT
easat-7157	97	1	figure	figure	NOUN
easat-7157	97	2	1	1	NUM
easat-7157	97	3	.	.	PUNCT
easat-7157	98	1	literature	literature	NOUN
easat-7157	98	2	processing	processing	NOUN
easat-7157	98	3	approach	approach	NOUN
easat-7157	98	4	.	.	PUNCT
easat-7157	99	1	3	3	X
easat-7157	99	2	.	.	X
easat-7157	99	3	descriptive	descriptive	ADJ
easat-7157	99	4	analysis	analysis	NOUN
easat-7157	99	5	this	this	DET
easat-7157	99	6	section	section	NOUN
easat-7157	99	7	analyses	analyse	VERB
easat-7157	99	8	the	the	DET
easat-7157	99	9	annual	annual	ADJ
easat-7157	99	10	number	number	NOUN
easat-7157	99	11	of	of	ADP
easat-7157	99	12	publications	publication	NOUN
easat-7157	99	13	,	,	PUNCT
easat-7157	99	14	countries	country	NOUN
easat-7157	99	15	active	active	ADJ
easat-7157	99	16	in	in	ADP
easat-7157	99	17	publications	publication	NOUN
easat-7157	99	18	,	,	PUNCT
easat-7157	99	19	and	and	CCONJ
easat-7157	99	20	keywords	keyword	NOUN
easat-7157	99	21	to	to	PART
easat-7157	99	22	understand	understand	VERB
easat-7157	99	23	the	the	DET
easat-7157	99	24	conceptual	conceptual	ADJ
easat-7157	99	25	development	development	NOUN
easat-7157	99	26	of	of	ADP
easat-7157	99	27	the	the	DET
easat-7157	99	28	ai	ai	PROPN
easat-7157	99	29	literature	literature	NOUN
easat-7157	99	30	on	on	ADP
easat-7157	99	31	financial	financial	ADJ
easat-7157	99	32	inclusion	inclusion	NOUN
easat-7157	99	33	.	.	PUNCT
easat-7157	100	1	3.1	3.1	NUM
easat-7157	100	2	.	.	PUNCT
easat-7157	100	3	number	number	NOUN
easat-7157	100	4	of	of	ADP
easat-7157	100	5	publications	publication	NOUN
easat-7157	100	6	figure	figure	VERB
easat-7157	100	7	2	2	NUM
easat-7157	100	8	illustrates	illustrate	VERB
easat-7157	100	9	the	the	DET
easat-7157	100	10	annual	annual	ADJ
easat-7157	100	11	number	number	NOUN
easat-7157	100	12	of	of	ADP
easat-7157	100	13	publications	publication	NOUN
easat-7157	100	14	investigating	investigate	VERB
easat-7157	100	15	ai	ai	VERB
easat-7157	100	16	in	in	ADP
easat-7157	100	17	the	the	DET
easat-7157	100	18	scopus	scopus	PROPN
easat-7157	100	19	database	database	NOUN
easat-7157	100	20	.	.	PUNCT
easat-7157	101	1	the	the	DET
easat-7157	101	2	data	datum	NOUN
easat-7157	101	3	reveal	reveal	VERB
easat-7157	101	4	that	that	PRON
easat-7157	101	5	ai	ai	AUX
easat-7157	101	6	had	have	AUX
easat-7157	101	7	garnered	garner	VERB
easat-7157	101	8	significant	significant	ADJ
easat-7157	101	9	scholarly	scholarly	ADJ
easat-7157	101	10	interest	interest	NOUN
easat-7157	101	11	since	since	SCONJ
easat-7157	101	12	2017	2017	NUM
easat-7157	101	13	,	,	PUNCT
easat-7157	101	14	when	when	SCONJ
easat-7157	101	15	it	it	PRON
easat-7157	101	16	emerged	emerge	VERB
easat-7157	101	17	as	as	ADP
easat-7157	101	18	a	a	DET
easat-7157	101	19	key	key	ADJ
easat-7157	101	20	phenomenon	phenomenon	NOUN
easat-7157	101	21	in	in	ADP
easat-7157	101	22	a	a	DET
easat-7157	101	23	financial	financial	ADJ
easat-7157	101	24	research	research	NOUN
easat-7157	101	25	study	study	NOUN
easat-7157	101	26	focused	focus	VERB
easat-7157	101	27	on	on	ADP
easat-7157	101	28	enhancing	enhance	VERB
easat-7157	101	29	payment	payment	NOUN
easat-7157	101	30	security	security	NOUN
easat-7157	101	31	within	within	ADP
easat-7157	101	32	financial	financial	ADJ
easat-7157	101	33	inclusion	inclusion	NOUN
easat-7157	101	34	projects	project	NOUN
easat-7157	101	35	.	.	PUNCT
easat-7157	102	1	no	no	DET
easat-7157	102	2	articles	article	NOUN
easat-7157	102	3	on	on	ADP
easat-7157	102	4	this	this	DET
easat-7157	102	5	topic	topic	NOUN
easat-7157	102	6	were	be	AUX
easat-7157	102	7	published	publish	VERB
easat-7157	102	8	in	in	ADP
easat-7157	102	9	2018	2018	NUM
easat-7157	102	10	.	.	PUNCT
easat-7157	103	1	however	however	ADV
easat-7157	103	2	,	,	PUNCT
easat-7157	103	3	by	by	ADP
easat-7157	103	4	2019	2019	NUM
easat-7157	103	5	,	,	PUNCT
easat-7157	103	6	the	the	DET
easat-7157	103	7	number	number	NOUN
easat-7157	103	8	of	of	ADP
easat-7157	103	9	publications	publication	NOUN
easat-7157	103	10	had	have	AUX
easat-7157	103	11	increased	increase	VERB
easat-7157	103	12	to	to	ADP
easat-7157	103	13	eight	eight	NUM
easat-7157	103	14	.	.	PUNCT
easat-7157	104	1	the	the	DET
easat-7157	104	2	early	early	ADJ
easat-7157	104	3	research	research	NOUN
easat-7157	104	4	examined	examine	VERB
easat-7157	104	5	the	the	DET
easat-7157	104	6	role	role	NOUN
easat-7157	104	7	of	of	ADP
easat-7157	104	8	financial	financial	ADJ
easat-7157	104	9	and	and	CCONJ
easat-7157	104	10	technological	technological	ADJ
easat-7157	104	11	advancement	advancement	NOUN
easat-7157	104	12	in	in	ADP
easat-7157	104	13	transforming	transform	VERB
easat-7157	104	14	the	the	DET
easat-7157	104	15	financial	financial	ADJ
easat-7157	104	16	sector	sector	NOUN
easat-7157	104	17	,	,	PUNCT
easat-7157	104	18	explored	explore	VERB
easat-7157	104	19	how	how	SCONJ
easat-7157	104	20	financial	financial	ADJ
easat-7157	104	21	technology	technology	NOUN
easat-7157	104	22	contributes	contribute	VERB
easat-7157	104	23	to	to	ADP
easat-7157	104	24	enhancing	enhance	VERB
easat-7157	104	25	financial	financial	ADJ
easat-7157	104	26	inclusion	inclusion	NOUN
easat-7157	104	27	,	,	PUNCT
easat-7157	104	28	and	and	CCONJ
easat-7157	104	29	proposed	propose	VERB
easat-7157	104	30	theoretical	theoretical	ADJ
easat-7157	104	31	frameworks	framework	NOUN
easat-7157	104	32	for	for	ADP
easat-7157	104	33	implementing	implement	VERB
easat-7157	104	34	tech	tech	NOUN
easat-7157	104	35	evolution	evolution	NOUN
easat-7157	104	36	in	in	ADP
easat-7157	104	37	financial	financial	ADJ
easat-7157	104	38	institutions	institution	NOUN
easat-7157	104	39	[	[	X
easat-7157	104	40	31	31	NUM
easat-7157	104	41	]	]	PUNCT
easat-7157	104	42	.	.	PUNCT
easat-7157	105	1	this	this	DET
easat-7157	105	2	study	study	NOUN
easat-7157	105	3	’s	’s	PART
easat-7157	105	4	overarching	overarching	ADJ
easat-7157	105	5	objective	objective	NOUN
easat-7157	105	6	was	be	AUX
easat-7157	105	7	to	to	PART
easat-7157	105	8	highlight	highlight	VERB
easat-7157	105	9	the	the	DET
easat-7157	105	10	role	role	NOUN
easat-7157	105	11	of	of	ADP
easat-7157	105	12	fintech	fintech	NOUN
easat-7157	105	13	in	in	ADP
easat-7157	105	14	promoting	promote	VERB
easat-7157	105	15	digital	digital	ADJ
easat-7157	105	16	financial	financial	ADJ
easat-7157	105	17	inclusion	inclusion	NOUN
easat-7157	105	18	,	,	PUNCT
easat-7157	105	19	addressing	address	VERB
easat-7157	105	20	challenges	challenge	NOUN
easat-7157	105	21	such	such	ADJ
easat-7157	105	22	as	as	ADP
easat-7157	105	23	regulatory	regulatory	ADJ
easat-7157	105	24	impacts	impact	NOUN
easat-7157	105	25	on	on	ADP
easat-7157	105	26	the	the	DET
easat-7157	105	27	financial	financial	ADJ
easat-7157	105	28	sector	sector	NOUN
easat-7157	105	29	,	,	PUNCT
easat-7157	105	30	the	the	DET
easat-7157	105	31	integration	integration	NOUN
easat-7157	105	32	of	of	ADP
easat-7157	105	33	intelligent	intelligent	ADJ
easat-7157	105	34	systems	system	NOUN
easat-7157	105	35	such	such	ADJ
easat-7157	105	36	as	as	ADP
easat-7157	105	37	robot	robot	NOUN
easat-7157	105	38	advisors	advisor	NOUN
easat-7157	105	39	and	and	CCONJ
easat-7157	105	40	social	social	ADJ
easat-7157	105	41	banking	banking	NOUN
easat-7157	105	42	frameworks	framework	NOUN
easat-7157	105	43	,	,	PUNCT
easat-7157	105	44	and	and	CCONJ
easat-7157	105	45	the	the	DET
easat-7157	105	46	disruption	disruption	NOUN
easat-7157	105	47	caused	cause	VERB
easat-7157	105	48	by	by	ADP
easat-7157	105	49	new	new	ADJ
easat-7157	105	50	market	market	NOUN
easat-7157	105	51	entrants	entrant	NOUN
easat-7157	105	52	.	.	PUNCT
easat-7157	106	1	these	these	DET
easat-7157	106	2	studies	study	NOUN
easat-7157	106	3	emphasize	emphasize	VERB
easat-7157	106	4	the	the	DET
easat-7157	106	5	potential	potential	NOUN
easat-7157	106	6	of	of	ADP
easat-7157	106	7	fintech	fintech	NOUN
easat-7157	106	8	to	to	PART
easat-7157	106	9	bridge	bridge	VERB
easat-7157	106	10	financial	financial	ADJ
easat-7157	106	11	gaps	gap	NOUN
easat-7157	106	12	and	and	CCONJ
easat-7157	106	13	drive	drive	VERB
easat-7157	106	14	innovation	innovation	NOUN
easat-7157	106	15	across	across	ADP
easat-7157	106	16	the	the	DET
easat-7157	106	17	financial	financial	ADJ
easat-7157	106	18	sector	sector	NOUN
easat-7157	106	19	.	.	PUNCT
easat-7157	107	1	by	by	ADP
easat-7157	107	2	2020	2020	NUM
easat-7157	107	3	,	,	PUNCT
easat-7157	107	4	the	the	DET
easat-7157	107	5	number	number	NOUN
easat-7157	107	6	of	of	ADP
easat-7157	107	7	publications	publication	NOUN
easat-7157	107	8	investigating	investigate	VERB
easat-7157	107	9	ai	ai	VERB
easat-7157	107	10	had	have	AUX
easat-7157	107	11	increased	increase	VERB
easat-7157	107	12	to	to	ADP
easat-7157	107	13	13	13	NUM
easat-7157	107	14	,	,	PUNCT
easat-7157	107	15	and	and	CCONJ
easat-7157	107	16	these	these	DET
easat-7157	107	17	researchers	researcher	NOUN
easat-7157	107	18	increasingly	increasingly	ADV
easat-7157	107	19	focused	focus	VERB
easat-7157	107	20	on	on	ADP
easat-7157	107	21	digital	digital	ADJ
easat-7157	107	22	finance	finance	NOUN
easat-7157	107	23	,	,	PUNCT
easat-7157	107	24	credit	credit	NOUN
easat-7157	107	25	risk	risk	NOUN
easat-7157	107	26	,	,	PUNCT
easat-7157	107	27	and	and	CCONJ
easat-7157	107	28	the	the	DET
easat-7157	107	29	role	role	NOUN
easat-7157	107	30	of	of	ADP
easat-7157	107	31	fintech	fintech	NOUN
easat-7157	107	32	in	in	ADP
easat-7157	107	33	enhancing	enhance	VERB
easat-7157	107	34	financial	financial	ADJ
easat-7157	107	35	1306	1306	NUM
easat-7157	107	36	edelweiss	edelweiss	PROPN
easat-7157	107	37	applied	apply	VERB
easat-7157	107	38	science	science	NOUN
easat-7157	107	39	and	and	CCONJ
easat-7157	107	40	technology	technology	NOUN
easat-7157	107	41	issn	issn	PROPN
easat-7157	107	42	:	:	PUNCT
easat-7157	107	43	2576	2576	NUM
easat-7157	107	44	-	-	SYM
easat-7157	107	45	8484	8484	NUM
easat-7157	107	46	vol	vol	NOUN
easat-7157	107	47	.	.	PROPN
easat-7157	108	1	9	9	NUM
easat-7157	108	2	,	,	PUNCT
easat-7157	108	3	no	no	INTJ
easat-7157	108	4	.	.	NOUN
easat-7157	108	5	5	5	NUM
easat-7157	108	6	:	:	SYM
easat-7157	108	7	1302	1302	NUM
easat-7157	108	8	-	-	SYM
easat-7157	108	9	1323	1323	NUM
easat-7157	108	10	,	,	PUNCT
easat-7157	108	11	2025	2025	NUM
easat-7157	108	12	doi	doi	NOUN
easat-7157	108	13	:	:	PUNCT
easat-7157	108	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	108	15	©	©	ADP
easat-7157	108	16	2025	2025	NUM
easat-7157	108	17	by	by	ADP
easat-7157	108	18	the	the	DET
easat-7157	108	19	authors	author	NOUN
easat-7157	108	20	;	;	PUNCT
easat-7157	108	21	licensee	licensee	PROPN
easat-7157	108	22	learning	learn	VERB
easat-7157	108	23	gate	gate	NOUN
easat-7157	108	24	inclusion	inclusion	NOUN
easat-7157	108	25	.	.	PUNCT
easat-7157	109	1	many	many	ADJ
easat-7157	109	2	studies	study	NOUN
easat-7157	109	3	have	have	AUX
easat-7157	109	4	examined	examine	VERB
easat-7157	109	5	the	the	DET
easat-7157	109	6	impact	impact	NOUN
easat-7157	109	7	of	of	ADP
easat-7157	109	8	ai	ai	NOUN
easat-7157	109	9	and	and	CCONJ
easat-7157	109	10	ml	ml	X
easat-7157	109	11	on	on	ADP
easat-7157	109	12	credit	credit	NOUN
easat-7157	109	13	risk	risk	NOUN
easat-7157	109	14	analysis	analysis	NOUN
easat-7157	109	15	and	and	CCONJ
easat-7157	109	16	their	their	PRON
easat-7157	109	17	contribution	contribution	NOUN
easat-7157	109	18	to	to	ADP
easat-7157	109	19	poverty	poverty	NOUN
easat-7157	109	20	alleviation	alleviation	NOUN
easat-7157	109	21	,	,	PUNCT
easat-7157	109	22	thereby	thereby	ADV
easat-7157	109	23	fostering	foster	VERB
easat-7157	109	24	sustainability	sustainability	NOUN
easat-7157	109	25	.	.	PUNCT
easat-7157	110	1	in	in	ADP
easat-7157	110	2	2021	2021	NUM
easat-7157	110	3	,	,	PUNCT
easat-7157	110	4	the	the	DET
easat-7157	110	5	number	number	NOUN
easat-7157	110	6	of	of	ADP
easat-7157	110	7	publications	publication	NOUN
easat-7157	110	8	rose	rise	VERB
easat-7157	110	9	to	to	ADP
easat-7157	110	10	17	17	NUM
easat-7157	110	11	,	,	PUNCT
easat-7157	110	12	reflecting	reflect	VERB
easat-7157	110	13	a	a	DET
easat-7157	110	14	significant	significant	ADJ
easat-7157	110	15	trend	trend	NOUN
easat-7157	110	16	towards	towards	ADP
easat-7157	110	17	research	research	NOUN
easat-7157	110	18	on	on	ADP
easat-7157	110	19	the	the	DET
easat-7157	110	20	impact	impact	NOUN
easat-7157	110	21	of	of	ADP
easat-7157	110	22	ai	ai	NOUN
easat-7157	110	23	and	and	CCONJ
easat-7157	110	24	ml	ml	X
easat-7157	110	25	in	in	ADP
easat-7157	110	26	promoting	promote	VERB
easat-7157	110	27	sustainability	sustainability	NOUN
easat-7157	110	28	.	.	PUNCT
easat-7157	111	1	these	these	DET
easat-7157	111	2	studies	study	NOUN
easat-7157	111	3	underscore	underscore	VERB
easat-7157	111	4	applications	application	NOUN
easat-7157	111	5	such	such	ADJ
easat-7157	111	6	as	as	ADP
easat-7157	111	7	poverty	poverty	NOUN
easat-7157	111	8	reduction	reduction	NOUN
easat-7157	111	9	,	,	PUNCT
easat-7157	111	10	the	the	DET
easat-7157	111	11	improvement	improvement	NOUN
easat-7157	111	12	of	of	ADP
easat-7157	111	13	education	education	NOUN
easat-7157	111	14	in	in	ADP
easat-7157	111	15	agriculture	agriculture	NOUN
easat-7157	111	16	,	,	PUNCT
easat-7157	111	17	and	and	CCONJ
easat-7157	111	18	the	the	DET
easat-7157	111	19	advancement	advancement	NOUN
easat-7157	111	20	of	of	ADP
easat-7157	111	21	financial	financial	ADJ
easat-7157	111	22	inclusion	inclusion	NOUN
easat-7157	111	23	.	.	PUNCT
easat-7157	112	1	additionally	additionally	ADV
easat-7157	112	2	,	,	PUNCT
easat-7157	112	3	researchers	researcher	NOUN
easat-7157	112	4	have	have	AUX
easat-7157	112	5	investigated	investigate	VERB
easat-7157	112	6	the	the	DET
easat-7157	112	7	use	use	NOUN
easat-7157	112	8	of	of	ADP
easat-7157	112	9	ai	ai	NOUN
easat-7157	112	10	and	and	CCONJ
easat-7157	112	11	ml	ml	X
easat-7157	112	12	to	to	PART
easat-7157	112	13	effectively	effectively	ADV
easat-7157	112	14	evaluate	evaluate	VERB
easat-7157	112	15	credit	credit	NOUN
easat-7157	112	16	risk	risk	NOUN
easat-7157	112	17	in	in	ADP
easat-7157	112	18	the	the	DET
easat-7157	112	19	banking	banking	NOUN
easat-7157	112	20	sector	sector	NOUN
easat-7157	112	21	,	,	PUNCT
easat-7157	112	22	which	which	PRON
easat-7157	112	23	enhances	enhance	VERB
easat-7157	112	24	financial	financial	ADJ
easat-7157	112	25	inclusion	inclusion	NOUN
easat-7157	112	26	.	.	PUNCT
easat-7157	113	1	in	in	ADP
easat-7157	113	2	2022	2022	NUM
easat-7157	113	3	,	,	PUNCT
easat-7157	113	4	the	the	DET
easat-7157	113	5	number	number	NOUN
easat-7157	113	6	of	of	ADP
easat-7157	113	7	publications	publication	NOUN
easat-7157	113	8	reached	reach	VERB
easat-7157	113	9	22	22	NUM
easat-7157	113	10	articles	article	NOUN
easat-7157	113	11	,	,	PUNCT
easat-7157	113	12	illustrating	illustrate	VERB
easat-7157	113	13	a	a	DET
easat-7157	113	14	remarkable	remarkable	ADJ
easat-7157	113	15	interest	interest	NOUN
easat-7157	113	16	in	in	ADP
easat-7157	113	17	studying	study	VERB
easat-7157	113	18	the	the	DET
easat-7157	113	19	impact	impact	NOUN
easat-7157	113	20	of	of	ADP
easat-7157	113	21	big	big	ADJ
easat-7157	113	22	data	datum	NOUN
easat-7157	113	23	and	and	CCONJ
easat-7157	113	24	ai	ai	VERB
easat-7157	113	25	on	on	ADP
easat-7157	113	26	financial	financial	ADJ
easat-7157	113	27	inclusion	inclusion	NOUN
easat-7157	113	28	.	.	PUNCT
easat-7157	114	1	the	the	DET
easat-7157	114	2	primary	primary	ADJ
easat-7157	114	3	areas	area	NOUN
easat-7157	114	4	of	of	ADP
easat-7157	114	5	interest	interest	NOUN
easat-7157	114	6	encompass	encompass	VERB
easat-7157	114	7	increasing	increase	VERB
easat-7157	114	8	access	access	NOUN
easat-7157	114	9	to	to	ADP
easat-7157	114	10	financial	financial	ADJ
easat-7157	114	11	services	service	NOUN
easat-7157	114	12	,	,	PUNCT
easat-7157	114	13	driving	drive	VERB
easat-7157	114	14	growth	growth	NOUN
easat-7157	114	15	,	,	PUNCT
easat-7157	114	16	improving	improve	VERB
easat-7157	114	17	efficiency	efficiency	NOUN
easat-7157	114	18	,	,	PUNCT
easat-7157	114	19	and	and	CCONJ
easat-7157	114	20	understanding	understand	VERB
easat-7157	114	21	how	how	SCONJ
easat-7157	114	22	robot	robot	NOUN
easat-7157	114	23	advisors	advisor	NOUN
easat-7157	114	24	aid	aid	VERB
easat-7157	114	25	and	and	CCONJ
easat-7157	114	26	interact	interact	VERB
easat-7157	114	27	with	with	ADP
easat-7157	114	28	consumers	consumer	NOUN
easat-7157	114	29	.	.	PUNCT
easat-7157	115	1	finally	finally	ADV
easat-7157	115	2	,	,	PUNCT
easat-7157	115	3	by	by	ADP
easat-7157	115	4	2023	2023	NUM
easat-7157	115	5	,	,	PUNCT
easat-7157	115	6	the	the	DET
easat-7157	115	7	number	number	NOUN
easat-7157	115	8	of	of	ADP
easat-7157	115	9	publications	publication	NOUN
easat-7157	115	10	doubled	double	VERB
easat-7157	115	11	compared	compare	VERB
easat-7157	115	12	to	to	ADP
easat-7157	115	13	the	the	DET
easat-7157	115	14	previous	previous	ADJ
easat-7157	115	15	year	year	NOUN
easat-7157	115	16	,	,	PUNCT
easat-7157	115	17	as	as	SCONJ
easat-7157	115	18	ai	ai	VERB
easat-7157	115	19	solidified	solidify	VERB
easat-7157	115	20	its	its	PRON
easat-7157	115	21	position	position	NOUN
easat-7157	115	22	as	as	ADP
easat-7157	115	23	a	a	DET
easat-7157	115	24	trending	trend	VERB
easat-7157	115	25	research	research	NOUN
easat-7157	115	26	topic	topic	NOUN
easat-7157	115	27	in	in	ADP
easat-7157	115	28	the	the	DET
easat-7157	115	29	financial	financial	ADJ
easat-7157	115	30	sector	sector	NOUN
easat-7157	115	31	.	.	PUNCT
easat-7157	116	1	most	most	ADJ
easat-7157	116	2	of	of	ADP
easat-7157	116	3	these	these	DET
easat-7157	116	4	studies	study	NOUN
easat-7157	116	5	concentrated	concentrate	VERB
easat-7157	116	6	on	on	ADP
easat-7157	116	7	developing	develop	VERB
easat-7157	116	8	conceptual	conceptual	ADJ
easat-7157	116	9	frameworks	framework	NOUN
easat-7157	116	10	for	for	ADP
easat-7157	116	11	integrating	integrate	VERB
easat-7157	116	12	ai	ai	VERB
easat-7157	116	13	into	into	ADP
easat-7157	116	14	financial	financial	ADJ
easat-7157	116	15	systems	system	NOUN
easat-7157	116	16	to	to	PART
easat-7157	116	17	enhance	enhance	VERB
easat-7157	116	18	financial	financial	ADJ
easat-7157	116	19	inclusion	inclusion	NOUN
easat-7157	116	20	.	.	PUNCT
easat-7157	117	1	they	they	PRON
easat-7157	117	2	also	also	ADV
easat-7157	117	3	addressed	address	VERB
easat-7157	117	4	the	the	DET
easat-7157	117	5	creation	creation	NOUN
easat-7157	117	6	of	of	ADP
easat-7157	117	7	innovative	innovative	ADJ
easat-7157	117	8	financial	financial	ADJ
easat-7157	117	9	instruments	instrument	NOUN
easat-7157	117	10	and	and	CCONJ
easat-7157	117	11	the	the	DET
easat-7157	117	12	provision	provision	NOUN
easat-7157	117	13	of	of	ADP
easat-7157	117	14	solutions	solution	NOUN
easat-7157	117	15	to	to	PART
easat-7157	117	16	support	support	VERB
easat-7157	117	17	sustainability	sustainability	NOUN
easat-7157	117	18	goals	goal	NOUN
easat-7157	117	19	.	.	PUNCT
easat-7157	118	1	ai	ai	PROPN
easat-7157	118	2	has	have	AUX
easat-7157	118	3	become	become	VERB
easat-7157	118	4	a	a	DET
easat-7157	118	5	desirable	desirable	ADJ
easat-7157	118	6	technology	technology	NOUN
easat-7157	118	7	for	for	ADP
easat-7157	118	8	implementation	implementation	NOUN
easat-7157	118	9	in	in	ADP
easat-7157	118	10	the	the	DET
easat-7157	118	11	financial	financial	ADJ
easat-7157	118	12	sector	sector	NOUN
easat-7157	118	13	because	because	SCONJ
easat-7157	118	14	it	it	PRON
easat-7157	118	15	offers	offer	VERB
easat-7157	118	16	significant	significant	ADJ
easat-7157	118	17	advantages	advantage	NOUN
easat-7157	118	18	in	in	ADP
easat-7157	118	19	advancing	advance	VERB
easat-7157	118	20	technological	technological	ADJ
easat-7157	118	21	innovation	innovation	NOUN
easat-7157	118	22	and	and	CCONJ
easat-7157	118	23	achieving	achieve	VERB
easat-7157	118	24	sustainability	sustainability	NOUN
easat-7157	118	25	objectives	objective	NOUN
easat-7157	118	26	.	.	PUNCT
easat-7157	119	1	figure	figure	NOUN
easat-7157	119	2	2	2	NUM
easat-7157	119	3	.	.	PUNCT
easat-7157	119	4	number	number	NOUN
easat-7157	119	5	of	of	ADP
easat-7157	119	6	annual	annual	ADJ
easat-7157	119	7	article	article	NOUN
easat-7157	119	8	publications	publication	NOUN
easat-7157	119	9	.	.	PUNCT
easat-7157	119	10	3.2	3.2	NUM
easat-7157	119	11	.	.	PUNCT
easat-7157	120	1	countries	country	NOUN
easat-7157	120	2	active	active	ADJ
easat-7157	120	3	in	in	ADP
easat-7157	120	4	publications	publication	NOUN
easat-7157	120	5	figure	figure	NOUN
easat-7157	120	6	(	(	PUNCT
easat-7157	120	7	3	3	X
easat-7157	120	8	)	)	PUNCT
easat-7157	120	9	shows	show	VERB
easat-7157	120	10	the	the	DET
easat-7157	120	11	top	top	ADJ
easat-7157	120	12	ten	ten	NUM
easat-7157	120	13	countries	country	NOUN
easat-7157	120	14	producing	produce	VERB
easat-7157	120	15	academic	academic	ADJ
easat-7157	120	16	scientific	scientific	ADJ
easat-7157	120	17	publications	publication	NOUN
easat-7157	120	18	from	from	ADP
easat-7157	120	19	2017	2017	NUM
easat-7157	120	20	to	to	ADP
easat-7157	120	21	2023	2023	NUM
easat-7157	120	22	,	,	PUNCT
easat-7157	120	23	as	as	SCONJ
easat-7157	120	24	recorded	record	VERB
easat-7157	120	25	in	in	ADP
easat-7157	120	26	the	the	DET
easat-7157	120	27	scopus	scopus	PROPN
easat-7157	120	28	database	database	NOUN
easat-7157	120	29	.	.	PUNCT
easat-7157	121	1	the	the	DET
easat-7157	121	2	findings	finding	NOUN
easat-7157	121	3	indicate	indicate	VERB
easat-7157	121	4	that	that	SCONJ
easat-7157	121	5	the	the	DET
easat-7157	121	6	leading	lead	VERB
easat-7157	121	7	countries	country	NOUN
easat-7157	121	8	in	in	ADP
easat-7157	121	9	publication	publication	NOUN
easat-7157	121	10	output	output	NOUN
easat-7157	121	11	are	be	AUX
easat-7157	121	12	among	among	ADP
easat-7157	121	13	the	the	DET
easat-7157	121	14	top	top	ADJ
easat-7157	121	15	global	global	ADJ
easat-7157	121	16	economies	economy	NOUN
easat-7157	121	17	:	:	PUNCT
easat-7157	121	18	india	india	PROPN
easat-7157	121	19	,	,	PUNCT
easat-7157	121	20	china	china	PROPN
easat-7157	121	21	,	,	PUNCT
easat-7157	121	22	and	and	CCONJ
easat-7157	121	23	the	the	DET
easat-7157	121	24	united	united	PROPN
easat-7157	121	25	states	states	PROPN
easat-7157	121	26	,	,	PUNCT
easat-7157	121	27	with	with	ADP
easat-7157	121	28	30	30	NUM
easat-7157	121	29	,	,	PUNCT
easat-7157	121	30	16	16	NUM
easat-7157	121	31	,	,	PUNCT
easat-7157	121	32	and	and	CCONJ
easat-7157	121	33	12	12	NUM
easat-7157	121	34	publications	publication	NOUN
easat-7157	121	35	,	,	PUNCT
easat-7157	121	36	respectively	respectively	ADV
easat-7157	121	37	.	.	PUNCT
easat-7157	122	1	it	it	PRON
easat-7157	122	2	is	be	AUX
easat-7157	122	3	clear	clear	ADJ
easat-7157	122	4	that	that	SCONJ
easat-7157	122	5	the	the	DET
easat-7157	122	6	dominance	dominance	NOUN
easat-7157	122	7	in	in	ADP
easat-7157	122	8	publication	publication	NOUN
easat-7157	122	9	output	output	NOUN
easat-7157	122	10	is	be	AUX
easat-7157	122	11	primarily	primarily	ADV
easat-7157	122	12	attributed	attribute	VERB
easat-7157	122	13	to	to	ADP
easat-7157	122	14	countries	country	NOUN
easat-7157	122	15	with	with	ADP
easat-7157	122	16	advanced	advanced	ADJ
easat-7157	122	17	economies	economy	NOUN
easat-7157	122	18	and	and	CCONJ
easat-7157	122	19	high	high	ADJ
easat-7157	122	20	population	population	NOUN
easat-7157	122	21	densities	density	NOUN
easat-7157	122	22	,	,	PUNCT
easat-7157	122	23	as	as	SCONJ
easat-7157	122	24	illustrated	illustrate	VERB
easat-7157	122	25	in	in	ADP
easat-7157	122	26	figure	figure	NOUN
easat-7157	122	27	3	3	NUM
easat-7157	122	28	.	.	PUNCT
easat-7157	123	1	these	these	DET
easat-7157	123	2	countries	country	NOUN
easat-7157	123	3	need	need	VERB
easat-7157	123	4	to	to	PART
easat-7157	123	5	integrate	integrate	VERB
easat-7157	123	6	ai	ai	VERB
easat-7157	123	7	into	into	ADP
easat-7157	123	8	their	their	PRON
easat-7157	123	9	financial	financial	ADJ
easat-7157	123	10	sectors	sector	NOUN
easat-7157	123	11	to	to	PART
easat-7157	123	12	enhance	enhance	VERB
easat-7157	123	13	their	their	PRON
easat-7157	123	14	financial	financial	ADJ
easat-7157	123	15	inclusion	inclusion	NOUN
easat-7157	123	16	.	.	PUNCT
easat-7157	124	1	by	by	ADP
easat-7157	124	2	doing	do	VERB
easat-7157	124	3	so	so	ADV
easat-7157	124	4	,	,	PUNCT
easat-7157	124	5	they	they	PRON
easat-7157	124	6	aim	aim	VERB
easat-7157	124	7	to	to	PART
easat-7157	124	8	reduce	reduce	VERB
easat-7157	124	9	costs	cost	NOUN
easat-7157	124	10	,	,	PUNCT
easat-7157	124	11	simplify	simplify	VERB
easat-7157	124	12	the	the	DET
easat-7157	124	13	entry	entry	NOUN
easat-7157	124	14	of	of	ADP
easat-7157	124	15	new	new	ADJ
easat-7157	124	16	financial	financial	ADJ
easat-7157	124	17	organizations	organization	NOUN
easat-7157	124	18	into	into	ADP
easat-7157	124	19	the	the	DET
easat-7157	124	20	market	market	NOUN
easat-7157	124	21	,	,	PUNCT
easat-7157	124	22	and	and	CCONJ
easat-7157	124	23	serve	serve	VERB
easat-7157	124	24	segments	segment	NOUN
easat-7157	124	25	of	of	ADP
easat-7157	124	26	the	the	DET
easat-7157	124	27	population	population	NOUN
easat-7157	124	28	that	that	PRON
easat-7157	124	29	currently	currently	ADV
easat-7157	124	30	lack	lack	VERB
easat-7157	124	31	access	access	NOUN
easat-7157	124	32	to	to	ADP
easat-7157	124	33	banking	banking	NOUN
easat-7157	124	34	services	service	NOUN
easat-7157	124	35	.	.	PUNCT
easat-7157	125	1	the	the	DET
easat-7157	125	2	runners	runner	NOUN
easat-7157	125	3	in	in	ADP
easat-7157	125	4	publication	publication	NOUN
easat-7157	125	5	output	output	NOUN
easat-7157	125	6	were	be	AUX
easat-7157	125	7	emerging	emerge	VERB
easat-7157	125	8	economies	economy	NOUN
easat-7157	125	9	:	:	PUNCT
easat-7157	125	10	the	the	DET
easat-7157	125	11	united	united	PROPN
easat-7157	125	12	arab	arab	PROPN
easat-7157	125	13	emirates	emirates	PROPN
easat-7157	125	14	,	,	PUNCT
easat-7157	125	15	malaysia	malaysia	PROPN
easat-7157	125	16	,	,	PUNCT
easat-7157	125	17	bahrain	bahrain	NOUN
easat-7157	125	18	,	,	PUNCT
easat-7157	125	19	and	and	CCONJ
easat-7157	125	20	south	south	PROPN
easat-7157	125	21	africa	africa	PROPN
easat-7157	125	22	,	,	PUNCT
easat-7157	125	23	with	with	ADP
easat-7157	125	24	44	44	NUM
easat-7157	125	25	22	22	NUM
easat-7157	125	26	17	17	NUM
easat-7157	125	27	13	13	NUM
easat-7157	125	28	8	8	NUM
easat-7157	125	29	01	01	NUM
easat-7157	125	30	-10	-10	SYM
easat-7157	125	31	0	0	NUM
easat-7157	125	32	10	10	NUM
easat-7157	125	33	20	20	NUM
easat-7157	125	34	30	30	NUM
easat-7157	125	35	40	40	NUM
easat-7157	125	36	50	50	NUM
easat-7157	125	37	2023202220212020201920182017n	2023202220212020201920182017n	NUM
easat-7157	125	38	u	u	PROPN
easat-7157	125	39	m	m	PROPN
easat-7157	125	40	b	b	NOUN
easat-7157	125	41	er	er	INTJ
easat-7157	125	42	o	o	X
easat-7157	125	43	f	f	PROPN
easat-7157	125	44	a	a	DET
easat-7157	125	45	n	n	CCONJ
easat-7157	125	46	n	n	ADP
easat-7157	125	47	u	u	NOUN
easat-7157	125	48	al	al	PROPN
easat-7157	125	49	a	a	X
easat-7157	125	50	rt	rt	PROPN
easat-7157	125	51	cl	cl	NOUN
easat-7157	125	52	e	e	PROPN
easat-7157	125	53	p	p	X
easat-7157	125	54	u	u	PROPN
easat-7157	125	55	lic	lic	NOUN
easat-7157	125	56	at	at	ADP
easat-7157	125	57	io	io	PROPN
easat-7157	125	58	n	n	PRON
easat-7157	125	59	year	year	NOUN
easat-7157	125	60	1307	1307	NUM
easat-7157	125	61	edelweiss	edelweiss	PROPN
easat-7157	125	62	applied	apply	VERB
easat-7157	125	63	science	science	NOUN
easat-7157	125	64	and	and	CCONJ
easat-7157	125	65	technology	technology	NOUN
easat-7157	125	66	issn	issn	PROPN
easat-7157	125	67	:	:	PUNCT
easat-7157	125	68	2576	2576	NUM
easat-7157	125	69	-	-	SYM
easat-7157	125	70	8484	8484	NUM
easat-7157	125	71	vol	vol	NOUN
easat-7157	125	72	.	.	PROPN
easat-7157	126	1	9	9	NUM
easat-7157	126	2	,	,	PUNCT
easat-7157	126	3	no	no	INTJ
easat-7157	126	4	.	.	NOUN
easat-7157	126	5	5	5	NUM
easat-7157	126	6	:	:	SYM
easat-7157	126	7	1302	1302	NUM
easat-7157	126	8	-	-	SYM
easat-7157	126	9	1323	1323	NUM
easat-7157	126	10	,	,	PUNCT
easat-7157	126	11	2025	2025	NUM
easat-7157	126	12	doi	doi	NOUN
easat-7157	126	13	:	:	PUNCT
easat-7157	126	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	126	15	©	©	ADP
easat-7157	126	16	2025	2025	NUM
easat-7157	126	17	by	by	ADP
easat-7157	126	18	the	the	DET
easat-7157	126	19	authors	author	NOUN
easat-7157	126	20	;	;	PUNCT
easat-7157	126	21	licensee	licensee	PROPN
easat-7157	126	22	learning	learning	NOUN
easat-7157	126	23	gate	gate	NOUN
easat-7157	126	24	10	10	NUM
easat-7157	126	25	,	,	PUNCT
easat-7157	126	26	7	7	NUM
easat-7157	126	27	,	,	PUNCT
easat-7157	126	28	6	6	NUM
easat-7157	126	29	,	,	PUNCT
easat-7157	126	30	and	and	CCONJ
easat-7157	126	31	6	6	NUM
easat-7157	126	32	publications	publication	NOUN
easat-7157	126	33	,	,	PUNCT
easat-7157	126	34	respectively	respectively	ADV
easat-7157	126	35	.	.	PUNCT
easat-7157	127	1	it	it	PRON
easat-7157	127	2	is	be	AUX
easat-7157	127	3	evident	evident	ADJ
easat-7157	127	4	that	that	SCONJ
easat-7157	127	5	researchers	researcher	NOUN
easat-7157	127	6	in	in	ADP
easat-7157	127	7	emerging	emerge	VERB
easat-7157	127	8	economies	economy	NOUN
easat-7157	127	9	often	often	ADV
easat-7157	127	10	focus	focus	VERB
easat-7157	127	11	on	on	ADP
easat-7157	127	12	the	the	DET
easat-7157	127	13	growth	growth	NOUN
easat-7157	127	14	of	of	ADP
easat-7157	127	15	fintech	fintech	NOUN
easat-7157	127	16	in	in	ADP
easat-7157	127	17	the	the	DET
easat-7157	127	18	financial	financial	ADJ
easat-7157	127	19	industry	industry	NOUN
easat-7157	127	20	and	and	CCONJ
easat-7157	127	21	its	its	PRON
easat-7157	127	22	role	role	NOUN
easat-7157	127	23	in	in	ADP
easat-7157	127	24	guiding	guide	VERB
easat-7157	127	25	financial	financial	ADJ
easat-7157	127	26	service	service	NOUN
easat-7157	127	27	providers	provider	NOUN
easat-7157	127	28	toward	toward	ADP
easat-7157	127	29	achieving	achieve	VERB
easat-7157	127	30	sustainability	sustainability	NOUN
easat-7157	127	31	goals	goal	NOUN
easat-7157	127	32	.	.	PUNCT
easat-7157	128	1	additionally	additionally	ADV
easat-7157	128	2	,	,	PUNCT
easat-7157	128	3	many	many	ADJ
easat-7157	128	4	scholars	scholar	NOUN
easat-7157	128	5	have	have	AUX
easat-7157	128	6	explored	explore	VERB
easat-7157	128	7	the	the	DET
easat-7157	128	8	role	role	NOUN
easat-7157	128	9	of	of	ADP
easat-7157	128	10	ai	ai	PROPN
easat-7157	128	11	and	and	CCONJ
easat-7157	128	12	big	big	ADJ
easat-7157	128	13	data	datum	NOUN
easat-7157	128	14	in	in	ADP
easat-7157	128	15	evaluating	evaluate	VERB
easat-7157	128	16	borrowers	borrower	NOUN
easat-7157	128	17	’	’	PART
easat-7157	128	18	risk	risk	NOUN
easat-7157	128	19	history	history	NOUN
easat-7157	128	20	to	to	PART
easat-7157	128	21	increase	increase	VERB
easat-7157	128	22	transparency	transparency	NOUN
easat-7157	128	23	and	and	CCONJ
easat-7157	128	24	provide	provide	VERB
easat-7157	128	25	insights	insight	NOUN
easat-7157	128	26	into	into	ADP
easat-7157	128	27	customer	customer	NOUN
easat-7157	128	28	conditions	condition	NOUN
easat-7157	128	29	when	when	SCONJ
easat-7157	128	30	seeking	seek	VERB
easat-7157	128	31	financing	financing	NOUN
easat-7157	128	32	[	[	X
easat-7157	128	33	32	32	NUM
easat-7157	128	34	,	,	PUNCT
easat-7157	128	35	33	33	NUM
easat-7157	128	36	]	]	PUNCT
easat-7157	128	37	.	.	PUNCT
easat-7157	129	1	findings	finding	NOUN
easat-7157	129	2	from	from	ADP
easat-7157	129	3	both	both	DET
easat-7157	129	4	emerging	emerge	VERB
easat-7157	129	5	and	and	CCONJ
easat-7157	129	6	developed	developed	ADJ
easat-7157	129	7	economies	economy	NOUN
easat-7157	129	8	suggest	suggest	VERB
easat-7157	129	9	that	that	SCONJ
easat-7157	129	10	ai	ai	VERB
easat-7157	129	11	and	and	CCONJ
easat-7157	129	12	ml	ml	PART
easat-7157	129	13	play	play	VERB
easat-7157	129	14	significant	significant	ADJ
easat-7157	129	15	roles	role	NOUN
easat-7157	129	16	in	in	ADP
easat-7157	129	17	the	the	DET
easat-7157	129	18	financial	financial	ADJ
easat-7157	129	19	sector	sector	NOUN
easat-7157	129	20	.	.	PUNCT
easat-7157	130	1	these	these	DET
easat-7157	130	2	innovations	innovation	NOUN
easat-7157	130	3	enhance	enhance	VERB
easat-7157	130	4	decision	decision	NOUN
easat-7157	130	5	-	-	PUNCT
easat-7157	130	6	making	making	NOUN
easat-7157	130	7	,	,	PUNCT
easat-7157	130	8	simplify	simplify	VERB
easat-7157	130	9	the	the	DET
easat-7157	130	10	entry	entry	NOUN
easat-7157	130	11	of	of	ADP
easat-7157	130	12	new	new	ADJ
easat-7157	130	13	service	service	NOUN
easat-7157	130	14	providers	provider	NOUN
easat-7157	130	15	into	into	ADP
easat-7157	130	16	the	the	DET
easat-7157	130	17	industry	industry	NOUN
easat-7157	130	18	,	,	PUNCT
easat-7157	130	19	improve	improve	VERB
easat-7157	130	20	quality	quality	NOUN
easat-7157	130	21	of	of	ADP
easat-7157	130	22	life	life	NOUN
easat-7157	130	23	,	,	PUNCT
easat-7157	130	24	boost	boost	VERB
easat-7157	130	25	customer	customer	NOUN
easat-7157	130	26	satisfaction	satisfaction	NOUN
easat-7157	130	27	,	,	PUNCT
easat-7157	130	28	and	and	CCONJ
easat-7157	130	29	support	support	VERB
easat-7157	130	30	the	the	DET
easat-7157	130	31	sustainable	sustainable	ADJ
easat-7157	130	32	development	development	NOUN
easat-7157	130	33	of	of	ADP
easat-7157	130	34	financial	financial	ADJ
easat-7157	130	35	services	service	NOUN
easat-7157	130	36	to	to	PART
easat-7157	130	37	benefit	benefit	VERB
easat-7157	130	38	all	all	DET
easat-7157	130	39	segments	segment	NOUN
easat-7157	130	40	of	of	ADP
easat-7157	130	41	society	society	NOUN
easat-7157	130	42	.	.	PUNCT
easat-7157	131	1	however	however	ADV
easat-7157	131	2	,	,	PUNCT
easat-7157	131	3	empirical	empirical	ADJ
easat-7157	131	4	studies	study	NOUN
easat-7157	131	5	have	have	AUX
easat-7157	131	6	not	not	PART
easat-7157	131	7	explored	explore	VERB
easat-7157	131	8	the	the	DET
easat-7157	131	9	factors	factor	NOUN
easat-7157	131	10	driving	drive	VERB
easat-7157	131	11	ai	ai	VERB
easat-7157	131	12	adoption	adoption	NOUN
easat-7157	131	13	in	in	ADP
easat-7157	131	14	the	the	DET
easat-7157	131	15	financial	financial	ADJ
easat-7157	131	16	sector	sector	NOUN
easat-7157	131	17	,	,	PUNCT
easat-7157	131	18	particularly	particularly	ADV
easat-7157	131	19	their	their	PRON
easat-7157	131	20	direct	direct	ADJ
easat-7157	131	21	role	role	NOUN
easat-7157	131	22	in	in	ADP
easat-7157	131	23	enhancing	enhance	VERB
easat-7157	131	24	financial	financial	ADJ
easat-7157	131	25	inclusion	inclusion	NOUN
easat-7157	131	26	.	.	PUNCT
easat-7157	132	1	this	this	DET
easat-7157	132	2	study	study	NOUN
easat-7157	132	3	addresses	address	VERB
easat-7157	132	4	this	this	DET
easat-7157	132	5	gap	gap	NOUN
easat-7157	132	6	by	by	ADP
easat-7157	132	7	proposing	propose	VERB
easat-7157	132	8	a	a	DET
easat-7157	132	9	framework	framework	NOUN
easat-7157	132	10	to	to	PART
easat-7157	132	11	clarify	clarify	VERB
easat-7157	132	12	the	the	DET
easat-7157	132	13	processes	process	NOUN
easat-7157	132	14	involved	involve	VERB
easat-7157	132	15	in	in	ADP
easat-7157	132	16	ai	ai	ADJ
easat-7157	132	17	adoption	adoption	NOUN
easat-7157	132	18	and	and	CCONJ
easat-7157	132	19	the	the	DET
easat-7157	132	20	key	key	ADJ
easat-7157	132	21	factors	factor	NOUN
easat-7157	132	22	influencing	influence	VERB
easat-7157	132	23	it	it	PRON
easat-7157	132	24	.	.	PUNCT
easat-7157	133	1	figure	figure	VERB
easat-7157	133	2	3	3	NUM
easat-7157	133	3	.	.	PUNCT
easat-7157	133	4	top	top	ADJ
easat-7157	133	5	ten	ten	NUM
easat-7157	133	6	countries	country	NOUN
easat-7157	133	7	actively	actively	ADV
easat-7157	133	8	contributing	contribute	VERB
easat-7157	133	9	to	to	ADP
easat-7157	133	10	scientific	scientific	ADJ
easat-7157	133	11	publications	publication	NOUN
easat-7157	133	12	on	on	ADP
easat-7157	133	13	ai	ai	ADJ
easat-7157	133	14	and	and	CCONJ
easat-7157	133	15	financial	financial	ADJ
easat-7157	133	16	inclusion	inclusion	NOUN
easat-7157	133	17	.	.	PUNCT
easat-7157	134	1	3.3	3.3	NUM
easat-7157	134	2	.	.	PUNCT
easat-7157	135	1	keywords	keyword	VERB
easat-7157	135	2	analysis	analysis	NOUN
easat-7157	135	3	the	the	DET
easat-7157	135	4	vosviewer	vosviewer	NOUN
easat-7157	135	5	tool	tool	NOUN
easat-7157	135	6	was	be	AUX
easat-7157	135	7	used	use	VERB
easat-7157	135	8	to	to	PART
easat-7157	135	9	analyse	analyse	VERB
easat-7157	135	10	the	the	DET
easat-7157	135	11	overlay	overlay	NOUN
easat-7157	135	12	visualization	visualization	NOUN
easat-7157	135	13	network	network	NOUN
easat-7157	135	14	of	of	ADP
easat-7157	135	15	keyword	keyword	NOUN
easat-7157	135	16	frequencies	frequency	NOUN
easat-7157	135	17	by	by	ADP
easat-7157	135	18	setting	set	VERB
easat-7157	135	19	the	the	DET
easat-7157	135	20	minimum	minimum	ADJ
easat-7157	135	21	frequency	frequency	NOUN
easat-7157	135	22	occurrence	occurrence	NOUN
easat-7157	135	23	criterion	criterion	NOUN
easat-7157	135	24	to	to	ADP
easat-7157	135	25	three	three	NUM
easat-7157	135	26	.	.	PUNCT
easat-7157	136	1	this	this	DET
easat-7157	136	2	approach	approach	NOUN
easat-7157	136	3	aimed	aim	VERB
easat-7157	136	4	to	to	PART
easat-7157	136	5	understand	understand	VERB
easat-7157	136	6	the	the	DET
easat-7157	136	7	conceptual	conceptual	ADJ
easat-7157	136	8	development	development	NOUN
easat-7157	136	9	of	of	ADP
easat-7157	136	10	literature	literature	NOUN
easat-7157	136	11	through	through	ADP
easat-7157	136	12	keywords	keyword	NOUN
easat-7157	136	13	,	,	PUNCT
easat-7157	136	14	as	as	SCONJ
easat-7157	136	15	shown	show	VERB
easat-7157	136	16	in	in	ADP
easat-7157	136	17	figure	figure	NOUN
easat-7157	136	18	4	4	NUM
easat-7157	136	19	.	.	PUNCT
easat-7157	137	1	this	this	DET
easat-7157	137	2	figure	figure	NOUN
easat-7157	137	3	highlights	highlight	VERB
easat-7157	137	4	the	the	DET
easat-7157	137	5	evolution	evolution	NOUN
easat-7157	137	6	of	of	ADP
easat-7157	137	7	the	the	DET
easat-7157	137	8	frequency	frequency	NOUN
easat-7157	137	9	of	of	ADP
easat-7157	137	10	keywords	keyword	NOUN
easat-7157	137	11	,	,	PUNCT
easat-7157	137	12	reflecting	reflect	VERB
easat-7157	137	13	the	the	DET
easat-7157	137	14	progression	progression	NOUN
easat-7157	137	15	of	of	ADP
easat-7157	137	16	the	the	DET
easat-7157	137	17	topics	topic	NOUN
easat-7157	137	18	investigated	investigate	VERB
easat-7157	137	19	in	in	ADP
easat-7157	137	20	the	the	DET
easat-7157	137	21	literature	literature	NOUN
easat-7157	137	22	each	each	DET
easat-7157	137	23	year	year	NOUN
easat-7157	137	24	.	.	PUNCT
easat-7157	138	1	for	for	ADP
easat-7157	138	2	example	example	NOUN
easat-7157	138	3	,	,	PUNCT
easat-7157	138	4	the	the	DET
easat-7157	138	5	frequency	frequency	NOUN
easat-7157	138	6	of	of	ADP
easat-7157	138	7	keywords	keyword	NOUN
easat-7157	138	8	in	in	ADP
easat-7157	138	9	2021	2021	NUM
easat-7157	138	10	indicates	indicate	VERB
easat-7157	138	11	that	that	SCONJ
easat-7157	138	12	research	research	NOUN
easat-7157	138	13	trends	trend	NOUN
easat-7157	138	14	focus	focus	VERB
easat-7157	138	15	on	on	ADP
easat-7157	138	16	issues	issue	NOUN
easat-7157	138	17	such	such	ADJ
easat-7157	138	18	as	as	ADP
easat-7157	138	19	ai	ai	NOUN
easat-7157	138	20	,	,	PUNCT
easat-7157	138	21	fintech	fintech	NOUN
easat-7157	138	22	,	,	PUNCT
easat-7157	138	23	data	datum	NOUN
easat-7157	138	24	mining	mining	NOUN
easat-7157	138	25	,	,	PUNCT
easat-7157	138	26	electronic	electronic	ADJ
easat-7157	138	27	money	money	NOUN
easat-7157	138	28	,	,	PUNCT
easat-7157	138	29	population	population	NOUN
easat-7157	138	30	statistics	statistic	NOUN
easat-7157	138	31	,	,	PUNCT
easat-7157	138	32	and	and	CCONJ
easat-7157	138	33	credit	credit	NOUN
easat-7157	138	34	scoring	scoring	NOUN
easat-7157	138	35	.	.	PUNCT
easat-7157	139	1	by	by	ADP
easat-7157	139	2	2022	2022	NUM
easat-7157	139	3	,	,	PUNCT
easat-7157	139	4	the	the	DET
easat-7157	139	5	thematic	thematic	ADJ
easat-7157	139	6	focus	focus	NOUN
easat-7157	139	7	had	have	AUX
easat-7157	139	8	shifted	shift	VERB
easat-7157	139	9	,	,	PUNCT
easat-7157	139	10	with	with	ADP
easat-7157	139	11	topics	topic	NOUN
easat-7157	139	12	such	such	ADJ
easat-7157	139	13	as	as	ADP
easat-7157	139	14	blockchain	blockchain	NOUN
easat-7157	139	15	,	,	PUNCT
easat-7157	139	16	ml	ml	ADP
easat-7157	139	17	,	,	PUNCT
easat-7157	139	18	decision	decision	NOUN
easat-7157	139	19	-	-	PUNCT
easat-7157	139	20	making	making	NOUN
easat-7157	139	21	,	,	PUNCT
easat-7157	139	22	investment	investment	NOUN
easat-7157	139	23	,	,	PUNCT
easat-7157	139	24	financial	financial	ADJ
easat-7157	139	25	inclusion	inclusion	NOUN
easat-7157	139	26	,	,	PUNCT
easat-7157	139	27	and	and	CCONJ
easat-7157	139	28	economic	economic	ADJ
easat-7157	139	29	and	and	CCONJ
easat-7157	139	30	social	social	ADJ
easat-7157	139	31	impacts	impact	NOUN
easat-7157	139	32	.	.	PUNCT
easat-7157	140	1	by	by	ADP
easat-7157	140	2	2023	2023	NUM
easat-7157	140	3	,	,	PUNCT
easat-7157	140	4	the	the	DET
easat-7157	140	5	frequency	frequency	NOUN
easat-7157	140	6	of	of	ADP
easat-7157	140	7	keywords	keyword	NOUN
easat-7157	140	8	highlighted	highlight	VERB
easat-7157	140	9	themes	theme	NOUN
easat-7157	140	10	related	relate	VERB
easat-7157	140	11	to	to	ADP
easat-7157	140	12	financial	financial	ADJ
easat-7157	140	13	innovation	innovation	NOUN
easat-7157	140	14	,	,	PUNCT
easat-7157	140	15	ml	ml	PROPN
easat-7157	140	16	,	,	PUNCT
easat-7157	140	17	blockchain	blockchain	PROPN
easat-7157	140	18	technology	technology	PROPN
easat-7157	140	19	,	,	PUNCT
easat-7157	140	20	and	and	CCONJ
easat-7157	140	21	commerce	commerce	NOUN
easat-7157	140	22	.	.	PUNCT
easat-7157	141	1	these	these	DET
easat-7157	141	2	evolving	evolve	VERB
easat-7157	141	3	keyword	keyword	NOUN
easat-7157	141	4	frequencies	frequency	NOUN
easat-7157	141	5	reflect	reflect	VERB
easat-7157	141	6	the	the	DET
easat-7157	141	7	changing	change	VERB
easat-7157	141	8	priorities	priority	NOUN
easat-7157	141	9	and	and	CCONJ
easat-7157	141	10	focal	focal	ADJ
easat-7157	141	11	points	point	NOUN
easat-7157	141	12	in	in	ADP
easat-7157	141	13	the	the	DET
easat-7157	141	14	ai	ai	NOUN
easat-7157	141	15	and	and	CCONJ
easat-7157	141	16	financial	financial	ADJ
easat-7157	141	17	sector	sector	NOUN
easat-7157	141	18	literature	literature	NOUN
easat-7157	141	19	.	.	PUNCT
easat-7157	142	1	30	30	NUM
easat-7157	142	2	16	16	NUM
easat-7157	142	3	12	12	NUM
easat-7157	142	4	10	10	NUM
easat-7157	142	5	7	7	NUM
easat-7157	142	6	6	6	NUM
easat-7157	142	7	6	6	NUM
easat-7157	142	8	5	5	NUM
easat-7157	142	9	3	3	NUM
easat-7157	142	10	3	3	NUM
easat-7157	142	11	05101520253035	05101520253035	NUM
easat-7157	142	12	india	india	PROPN
easat-7157	142	13	united	united	PROPN
easat-7157	142	14	states	states	PROPN
easat-7157	142	15	china	china	PROPN
easat-7157	142	16	united	united	PROPN
easat-7157	142	17	arab	arab	PROPN
easat-7157	142	18	emirates	emirates	PROPN
easat-7157	142	19	malaysia	malaysia	PROPN
easat-7157	142	20	bahrain	bahrain	PROPN
easat-7157	142	21	south	south	PROPN
easat-7157	142	22	africa	africa	PROPN
easat-7157	142	23	australia	australia	PROPN
easat-7157	142	24	canada	canada	PROPN
easat-7157	142	25	france	france	PROPN
easat-7157	142	26	number	number	NOUN
easat-7157	142	27	of	of	ADP
easat-7157	142	28	scientific	scientific	ADJ
easat-7157	142	29	publishing	publishing	NOUN
easat-7157	142	30	c	c	NOUN
easat-7157	142	31	o	o	X
easat-7157	142	32	u	u	NOUN
easat-7157	142	33	n	n	PRON
easat-7157	142	34	tr	tr	PROPN
easat-7157	142	35	ie	ie	PROPN
easat-7157	142	36	s	s	PROPN
easat-7157	142	37	1308	1308	NUM
easat-7157	142	38	edelweiss	edelweiss	PROPN
easat-7157	142	39	applied	apply	VERB
easat-7157	142	40	science	science	NOUN
easat-7157	142	41	and	and	CCONJ
easat-7157	142	42	technology	technology	NOUN
easat-7157	142	43	issn	issn	PROPN
easat-7157	142	44	:	:	PUNCT
easat-7157	142	45	2576	2576	NUM
easat-7157	142	46	-	-	SYM
easat-7157	142	47	8484	8484	NUM
easat-7157	142	48	vol	vol	NOUN
easat-7157	142	49	.	.	PROPN
easat-7157	143	1	9	9	NUM
easat-7157	143	2	,	,	PUNCT
easat-7157	143	3	no	no	INTJ
easat-7157	143	4	.	.	NOUN
easat-7157	143	5	5	5	NUM
easat-7157	143	6	:	:	SYM
easat-7157	143	7	1302	1302	NUM
easat-7157	143	8	-	-	SYM
easat-7157	143	9	1323	1323	NUM
easat-7157	143	10	,	,	PUNCT
easat-7157	143	11	2025	2025	NUM
easat-7157	143	12	doi	doi	NOUN
easat-7157	143	13	:	:	PUNCT
easat-7157	143	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	143	15	©	©	ADP
easat-7157	143	16	2025	2025	NUM
easat-7157	143	17	by	by	ADP
easat-7157	143	18	the	the	DET
easat-7157	143	19	authors	author	NOUN
easat-7157	143	20	;	;	PUNCT
easat-7157	143	21	licensee	licensee	PROPN
easat-7157	143	22	learning	learn	VERB
easat-7157	143	23	gate	gate	NOUN
easat-7157	143	24	figure	figure	NOUN
easat-7157	143	25	4	4	NUM
easat-7157	143	26	.	.	PUNCT
easat-7157	143	27	keyword	keyword	NOUN
easat-7157	143	28	frequency	frequency	NOUN
easat-7157	143	29	.	.	PUNCT
easat-7157	144	1	4	4	X
easat-7157	144	2	.	.	X
easat-7157	144	3	literature	literature	NOUN
easat-7157	144	4	review	review	VERB
easat-7157	144	5	4.1	4.1	NUM
easat-7157	144	6	.	.	PUNCT
easat-7157	145	1	artificial	artificial	ADJ
easat-7157	145	2	intelligence	intelligence	NOUN
easat-7157	145	3	ai	ai	VERB
easat-7157	145	4	has	have	VERB
easat-7157	145	5	multiple	multiple	ADJ
easat-7157	145	6	definitions	definition	NOUN
easat-7157	145	7	,	,	PUNCT
easat-7157	145	8	and	and	CCONJ
easat-7157	145	9	specific	specific	ADJ
easat-7157	145	10	issues	issue	NOUN
easat-7157	145	11	and	and	CCONJ
easat-7157	145	12	fields	field	NOUN
easat-7157	145	13	often	often	ADV
easat-7157	145	14	shape	shape	VERB
easat-7157	145	15	its	its	PRON
easat-7157	145	16	interpretation	interpretation	NOUN
easat-7157	145	17	and	and	CCONJ
easat-7157	145	18	application	application	NOUN
easat-7157	145	19	.	.	PUNCT
easat-7157	146	1	the	the	DET
easat-7157	146	2	main	main	ADJ
easat-7157	146	3	aim	aim	NOUN
easat-7157	146	4	of	of	ADP
easat-7157	146	5	ai	ai	NOUN
easat-7157	146	6	is	be	AUX
easat-7157	146	7	to	to	PART
easat-7157	146	8	address	address	VERB
easat-7157	146	9	and	and	CCONJ
easat-7157	146	10	provide	provide	VERB
easat-7157	146	11	solutions	solution	NOUN
easat-7157	146	12	to	to	ADP
easat-7157	146	13	relevant	relevant	ADJ
easat-7157	146	14	challenges	challenge	NOUN
easat-7157	146	15	by	by	ADP
easat-7157	146	16	implementing	implement	VERB
easat-7157	146	17	technology	technology	NOUN
easat-7157	146	18	that	that	PRON
easat-7157	146	19	performs	perform	VERB
easat-7157	146	20	mind	mind	NOUN
easat-7157	146	21	-	-	PUNCT
easat-7157	146	22	like	like	ADJ
easat-7157	146	23	computations	computation	NOUN
easat-7157	146	24	[	[	X
easat-7157	146	25	8	8	NUM
easat-7157	146	26	,	,	PUNCT
easat-7157	146	27	22	22	NUM
easat-7157	146	28	]	]	PUNCT
easat-7157	146	29	.	.	PUNCT
easat-7157	147	1	the	the	DET
easat-7157	147	2	general	general	ADJ
easat-7157	147	3	concept	concept	NOUN
easat-7157	147	4	of	of	ADP
easat-7157	147	5	ai	ai	ADJ
easat-7157	147	6	revolves	revolve	NOUN
easat-7157	147	7	around	around	ADP
easat-7157	147	8	the	the	DET
easat-7157	147	9	ability	ability	NOUN
easat-7157	147	10	to	to	PART
easat-7157	147	11	understand	understand	VERB
easat-7157	147	12	issues	issue	NOUN
easat-7157	147	13	and	and	CCONJ
easat-7157	147	14	provide	provide	VERB
easat-7157	147	15	solutions	solution	NOUN
easat-7157	147	16	through	through	ADP
easat-7157	147	17	reasoning	reasoning	NOUN
easat-7157	147	18	;	;	PUNCT
easat-7157	147	19	therefore	therefore	ADV
easat-7157	147	20	,	,	PUNCT
easat-7157	147	21	it	it	PRON
easat-7157	147	22	enables	enable	VERB
easat-7157	147	23	technology	technology	NOUN
easat-7157	147	24	to	to	PART
easat-7157	147	25	offer	offer	VERB
easat-7157	147	26	solutions	solution	NOUN
easat-7157	147	27	in	in	ADP
easat-7157	147	28	business	business	NOUN
easat-7157	147	29	by	by	ADP
easat-7157	147	30	learning	learn	VERB
easat-7157	147	31	and	and	CCONJ
easat-7157	147	32	analysing	analyse	VERB
easat-7157	147	33	to	to	PART
easat-7157	147	34	make	make	VERB
easat-7157	147	35	ideal	ideal	ADJ
easat-7157	147	36	decisions	decision	NOUN
easat-7157	147	37	[	[	X
easat-7157	147	38	8	8	NUM
easat-7157	147	39	]	]	PUNCT
easat-7157	147	40	.	.	PUNCT
easat-7157	148	1	ai	ai	PROPN
easat-7157	148	2	is	be	AUX
easat-7157	148	3	one	one	NUM
easat-7157	148	4	of	of	ADP
easat-7157	148	5	the	the	DET
easat-7157	148	6	pivotal	pivotal	ADJ
easat-7157	148	7	components	component	NOUN
easat-7157	148	8	of	of	ADP
easat-7157	148	9	industry	industry	NOUN
easat-7157	148	10	4.0	4.0	NUM
easat-7157	148	11	,	,	PUNCT
easat-7157	148	12	spearheading	spearhead	VERB
easat-7157	148	13	the	the	DET
easat-7157	148	14	development	development	NOUN
easat-7157	148	15	of	of	ADP
easat-7157	148	16	algorithms	algorithm	NOUN
easat-7157	148	17	that	that	PRON
easat-7157	148	18	enable	enable	VERB
easat-7157	148	19	computers	computer	NOUN
easat-7157	148	20	to	to	PART
easat-7157	148	21	interact	interact	VERB
easat-7157	148	22	directly	directly	ADV
easat-7157	148	23	with	with	ADP
easat-7157	148	24	customers	customer	NOUN
easat-7157	148	25	through	through	ADP
easat-7157	148	26	ai	ai	ADJ
easat-7157	148	27	applications	application	NOUN
easat-7157	148	28	such	such	ADJ
easat-7157	148	29	as	as	ADP
easat-7157	148	30	chatbots	chatbot	NOUN
easat-7157	148	31	[	[	X
easat-7157	148	32	11	11	NUM
easat-7157	148	33	,	,	PUNCT
easat-7157	148	34	13	13	NUM
easat-7157	148	35	]	]	PUNCT
easat-7157	148	36	.	.	PUNCT
easat-7157	149	1	furthermore	furthermore	ADV
easat-7157	149	2	,	,	PUNCT
easat-7157	149	3	the	the	DET
easat-7157	149	4	prospect	prospect	NOUN
easat-7157	149	5	of	of	ADP
easat-7157	149	6	leveraging	leverage	VERB
easat-7157	149	7	industry	industry	NOUN
easat-7157	149	8	4.0	4.0	NUM
easat-7157	149	9	,	,	PUNCT
easat-7157	149	10	by	by	ADP
easat-7157	149	11	adopting	adopt	VERB
easat-7157	149	12	ai	ai	NOUN
easat-7157	149	13	,	,	PUNCT
easat-7157	149	14	is	be	AUX
easat-7157	149	15	increasingly	increasingly	ADV
easat-7157	149	16	attractive	attractive	ADJ
easat-7157	149	17	to	to	ADP
easat-7157	149	18	business	business	NOUN
easat-7157	149	19	owners	owner	NOUN
easat-7157	149	20	and	and	CCONJ
easat-7157	149	21	managers	manager	NOUN
easat-7157	149	22	across	across	ADP
easat-7157	149	23	both	both	CCONJ
easat-7157	149	24	the	the	DET
easat-7157	149	25	public	public	ADJ
easat-7157	149	26	and	and	CCONJ
easat-7157	149	27	private	private	ADJ
easat-7157	149	28	sectors	sector	NOUN
easat-7157	149	29	to	to	PART
easat-7157	149	30	enhance	enhance	VERB
easat-7157	149	31	services	service	NOUN
easat-7157	149	32	,	,	PUNCT
easat-7157	149	33	reduce	reduce	VERB
easat-7157	149	34	costs	cost	NOUN
easat-7157	149	35	,	,	PUNCT
easat-7157	149	36	seek	seek	VERB
easat-7157	149	37	new	new	ADJ
easat-7157	149	38	opportunities	opportunity	NOUN
easat-7157	149	39	,	,	PUNCT
easat-7157	149	40	and	and	CCONJ
easat-7157	149	41	create	create	VERB
easat-7157	149	42	value	value	NOUN
easat-7157	149	43	[	[	X
easat-7157	149	44	5	5	NUM
easat-7157	149	45	,	,	PUNCT
easat-7157	149	46	34	34	NUM
easat-7157	149	47	]	]	PUNCT
easat-7157	149	48	.	.	PUNCT
easat-7157	150	1	existing	exist	VERB
easat-7157	150	2	studies	study	NOUN
easat-7157	150	3	indicate	indicate	VERB
easat-7157	150	4	that	that	SCONJ
easat-7157	150	5	ai	ai	VERB
easat-7157	150	6	enhances	enhance	NOUN
easat-7157	150	7	banking	banking	NOUN
easat-7157	150	8	value	value	NOUN
easat-7157	150	9	by	by	ADP
easat-7157	150	10	adding	add	VERB
easat-7157	150	11	$	$	SYM
easat-7157	150	12	1	1	NUM
easat-7157	150	13	billion	billion	NUM
easat-7157	150	14	annually	annually	ADV
easat-7157	150	15	to	to	ADP
easat-7157	150	16	the	the	DET
easat-7157	150	17	global	global	ADJ
easat-7157	150	18	banking	banking	NOUN
easat-7157	150	19	sector	sector	NOUN
easat-7157	151	1	[	[	X
easat-7157	151	2	22	22	NUM
easat-7157	151	3	]	]	PUNCT
easat-7157	151	4	.	.	PUNCT
easat-7157	152	1	likewise	likewise	ADV
easat-7157	152	2	,	,	PUNCT
easat-7157	152	3	eren	eren	PROPN
easat-7157	153	1	[	[	X
easat-7157	153	2	13	13	NUM
easat-7157	153	3	]	]	PUNCT
easat-7157	153	4	pointed	point	VERB
easat-7157	153	5	out	out	ADP
easat-7157	153	6	that	that	SCONJ
easat-7157	153	7	ai	ai	VERB
easat-7157	153	8	products	product	NOUN
easat-7157	153	9	such	such	ADJ
easat-7157	153	10	as	as	ADP
easat-7157	153	11	chatbots	chatbot	NOUN
easat-7157	153	12	enable	enable	VERB
easat-7157	153	13	solutions	solution	NOUN
easat-7157	153	14	and	and	CCONJ
easat-7157	153	15	assist	assist	VERB
easat-7157	153	16	clients	client	NOUN
easat-7157	153	17	in	in	ADP
easat-7157	153	18	accessing	access	VERB
easat-7157	153	19	financial	financial	ADJ
easat-7157	153	20	services	service	NOUN
easat-7157	153	21	,	,	PUNCT
easat-7157	153	22	leading	lead	VERB
easat-7157	153	23	to	to	ADP
easat-7157	153	24	an	an	DET
easat-7157	153	25	increase	increase	NOUN
easat-7157	153	26	in	in	ADP
easat-7157	153	27	the	the	DET
easat-7157	153	28	administration	administration	NOUN
easat-7157	153	29	of	of	ADP
easat-7157	153	30	financial	financial	ADJ
easat-7157	153	31	services	service	NOUN
easat-7157	153	32	by	by	ADP
easat-7157	153	33	fulfilling	fulfil	VERB
easat-7157	153	34	and	and	CCONJ
easat-7157	153	35	satisfying	satisfy	VERB
easat-7157	153	36	customer	customer	NOUN
easat-7157	153	37	needs	need	NOUN
easat-7157	153	38	at	at	ADP
easat-7157	153	39	any	any	DET
easat-7157	153	40	time	time	NOUN
easat-7157	153	41	[	[	X
easat-7157	153	42	13	13	NUM
easat-7157	153	43	]	]	PUNCT
easat-7157	153	44	.	.	PUNCT
easat-7157	154	1	furthermore	furthermore	ADV
easat-7157	154	2	,	,	PUNCT
easat-7157	154	3	ai	ai	VERB
easat-7157	154	4	reduces	reduce	VERB
easat-7157	154	5	the	the	DET
easat-7157	154	6	risks	risk	NOUN
easat-7157	154	7	associated	associate	VERB
easat-7157	154	8	with	with	ADP
easat-7157	154	9	finance	finance	NOUN
easat-7157	154	10	by	by	ADP
easat-7157	154	11	increasing	increase	VERB
easat-7157	154	12	efficiency	efficiency	NOUN
easat-7157	154	13	and	and	CCONJ
easat-7157	154	14	opening	opening	NOUN
easat-7157	154	15	avenues	avenue	NOUN
easat-7157	154	16	for	for	ADP
easat-7157	154	17	opportunities	opportunity	NOUN
easat-7157	154	18	[	[	X
easat-7157	154	19	35	35	NUM
easat-7157	154	20	]	]	PUNCT
easat-7157	154	21	.	.	PUNCT
easat-7157	155	1	additionally	additionally	ADV
easat-7157	155	2	,	,	PUNCT
easat-7157	155	3	ai	ai	VERB
easat-7157	155	4	assists	assist	NOUN
easat-7157	155	5	decision	decision	NOUN
easat-7157	155	6	-	-	PUNCT
easat-7157	155	7	makers	maker	NOUN
easat-7157	155	8	in	in	ADP
easat-7157	155	9	making	make	VERB
easat-7157	155	10	the	the	DET
easat-7157	155	11	best	good	ADJ
easat-7157	155	12	choices	choice	NOUN
easat-7157	155	13	to	to	PART
easat-7157	155	14	maximize	maximize	VERB
easat-7157	155	15	profits	profit	NOUN
easat-7157	155	16	by	by	ADP
easat-7157	155	17	analysing	analyse	VERB
easat-7157	155	18	risk	risk	NOUN
easat-7157	155	19	management	management	NOUN
easat-7157	155	20	and	and	CCONJ
easat-7157	155	21	making	make	VERB
easat-7157	155	22	recommendations	recommendation	NOUN
easat-7157	155	23	based	base	VERB
easat-7157	155	24	on	on	ADP
easat-7157	155	25	investment	investment	NOUN
easat-7157	155	26	prospects	prospect	NOUN
easat-7157	155	27	[	[	X
easat-7157	155	28	9	9	NUM
easat-7157	155	29	]	]	PUNCT
easat-7157	155	30	.	.	PUNCT
easat-7157	156	1	in	in	ADP
easat-7157	156	2	addition	addition	NOUN
easat-7157	156	3	,	,	PUNCT
easat-7157	156	4	ai	ai	VERB
easat-7157	156	5	enhances	enhance	NOUN
easat-7157	156	6	fraud	fraud	NOUN
easat-7157	156	7	detection	detection	NOUN
easat-7157	156	8	and	and	CCONJ
easat-7157	156	9	sustainability	sustainability	NOUN
easat-7157	156	10	and	and	CCONJ
easat-7157	156	11	addresses	address	NOUN
easat-7157	156	12	information	information	NOUN
easat-7157	156	13	asymmetry	asymmetry	NOUN
easat-7157	156	14	[	[	X
easat-7157	156	15	8	8	NUM
easat-7157	156	16	]	]	PUNCT
easat-7157	156	17	.	.	PUNCT
easat-7157	157	1	thus	thus	ADV
easat-7157	157	2	,	,	PUNCT
easat-7157	157	3	technological	technological	ADJ
easat-7157	157	4	innovation	innovation	NOUN
easat-7157	157	5	is	be	AUX
easat-7157	157	6	critical	critical	ADJ
easat-7157	157	7	for	for	ADP
easat-7157	157	8	reducing	reduce	VERB
easat-7157	157	9	expenses	expense	NOUN
easat-7157	157	10	and	and	CCONJ
easat-7157	157	11	minimizing	minimize	VERB
easat-7157	157	12	human	human	ADJ
easat-7157	157	13	error	error	NOUN
easat-7157	157	14	.	.	PUNCT
easat-7157	158	1	the	the	DET
easat-7157	158	2	financial	financial	ADJ
easat-7157	158	3	sector	sector	NOUN
easat-7157	158	4	has	have	AUX
easat-7157	158	5	also	also	ADV
easat-7157	158	6	utilized	utilize	VERB
easat-7157	158	7	ai	ai	VERB
easat-7157	158	8	to	to	PART
easat-7157	158	9	depict	depict	VERB
easat-7157	158	10	financial	financial	ADJ
easat-7157	158	11	services	service	NOUN
easat-7157	158	12	,	,	PUNCT
easat-7157	158	13	increase	increase	VERB
easat-7157	158	14	service	service	NOUN
easat-7157	158	15	options	option	NOUN
easat-7157	158	16	,	,	PUNCT
easat-7157	158	17	and	and	CCONJ
easat-7157	158	18	drive	drive	VERB
easat-7157	158	19	defi	defi	NOUN
easat-7157	158	20	in	in	ADP
easat-7157	158	21	the	the	DET
easat-7157	158	22	financial	financial	ADJ
easat-7157	158	23	industry	industry	NOUN
easat-7157	159	1	[	[	X
easat-7157	159	2	18	18	NUM
easat-7157	159	3	]	]	PUNCT
easat-7157	159	4	.	.	PUNCT
easat-7157	160	1	however	however	ADV
easat-7157	160	2	,	,	PUNCT
easat-7157	160	3	it	it	PRON
easat-7157	160	4	is	be	AUX
easat-7157	160	5	vital	vital	ADJ
easat-7157	160	6	to	to	PART
easat-7157	160	7	consider	consider	VERB
easat-7157	160	8	the	the	DET
easat-7157	160	9	potential	potential	ADJ
easat-7157	160	10	downsides	downside	NOUN
easat-7157	160	11	of	of	ADP
easat-7157	160	12	ai	ai	NOUN
easat-7157	160	13	,	,	PUNCT
easat-7157	160	14	particularly	particularly	ADV
easat-7157	160	15	its	its	PRON
easat-7157	160	16	disruptive	disruptive	ADJ
easat-7157	160	17	impact	impact	NOUN
easat-7157	160	18	on	on	ADP
easat-7157	160	19	socioeconomic	socioeconomic	ADJ
easat-7157	160	20	systems	system	NOUN
easat-7157	160	21	,	,	PUNCT
easat-7157	160	22	when	when	SCONJ
easat-7157	160	23	ethical	ethical	ADJ
easat-7157	160	24	considerations	consideration	NOUN
easat-7157	160	25	are	be	AUX
easat-7157	160	26	lacking	lack	VERB
easat-7157	160	27	.	.	PUNCT
easat-7157	161	1	this	this	PRON
easat-7157	161	2	can	can	AUX
easat-7157	161	3	result	result	VERB
easat-7157	161	4	in	in	ADP
easat-7157	161	5	adverse	adverse	ADJ
easat-7157	161	6	effects	effect	NOUN
easat-7157	161	7	,	,	PUNCT
easat-7157	161	8	such	such	ADJ
easat-7157	161	9	as	as	ADP
easat-7157	161	10	job	job	NOUN
easat-7157	161	11	displacement	displacement	NOUN
easat-7157	161	12	and	and	CCONJ
easat-7157	161	13	algorithmic	algorithmic	ADJ
easat-7157	161	14	bias	bias	NOUN
easat-7157	161	15	.	.	PUNCT
easat-7157	162	1	however	however	ADV
easat-7157	162	2	,	,	PUNCT
easat-7157	162	3	ai	ai	VERB
easat-7157	162	4	can	can	AUX
easat-7157	162	5	positively	positively	ADV
easat-7157	162	6	impact	impact	VERB
easat-7157	162	7	when	when	SCONJ
easat-7157	162	8	moral	moral	ADJ
easat-7157	162	9	standards	standard	NOUN
easat-7157	162	10	are	be	AUX
easat-7157	162	11	implemented	implement	VERB
easat-7157	162	12	to	to	PART
easat-7157	162	13	promote	promote	VERB
easat-7157	162	14	financial	financial	ADJ
easat-7157	162	15	inclusion	inclusion	NOUN
easat-7157	162	16	and	and	CCONJ
easat-7157	162	17	ensure	ensure	VERB
easat-7157	162	18	algorithmic	algorithmic	ADJ
easat-7157	162	19	fairness	fairness	NOUN
easat-7157	162	20	,	,	PUNCT
easat-7157	162	21	transparency	transparency	NOUN
easat-7157	162	22	,	,	PUNCT
easat-7157	162	23	and	and	CCONJ
easat-7157	162	24	autonomy	autonomy	NOUN
easat-7157	162	25	.	.	PUNCT
easat-7157	163	1	1309	1309	NUM
easat-7157	163	2	edelweiss	edelweiss	PROPN
easat-7157	163	3	applied	apply	VERB
easat-7157	163	4	science	science	NOUN
easat-7157	163	5	and	and	CCONJ
easat-7157	163	6	technology	technology	NOUN
easat-7157	163	7	issn	issn	PROPN
easat-7157	163	8	:	:	PUNCT
easat-7157	163	9	2576	2576	NUM
easat-7157	163	10	-	-	SYM
easat-7157	163	11	8484	8484	NUM
easat-7157	163	12	vol	vol	NOUN
easat-7157	163	13	.	.	PROPN
easat-7157	164	1	9	9	NUM
easat-7157	164	2	,	,	PUNCT
easat-7157	164	3	no	no	INTJ
easat-7157	164	4	.	.	NOUN
easat-7157	164	5	5	5	NUM
easat-7157	164	6	:	:	SYM
easat-7157	164	7	1302	1302	NUM
easat-7157	164	8	-	-	SYM
easat-7157	164	9	1323	1323	NUM
easat-7157	164	10	,	,	PUNCT
easat-7157	164	11	2025	2025	NUM
easat-7157	164	12	doi	doi	NOUN
easat-7157	164	13	:	:	PUNCT
easat-7157	164	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	164	15	©	©	ADP
easat-7157	164	16	2025	2025	NUM
easat-7157	164	17	by	by	ADP
easat-7157	164	18	the	the	DET
easat-7157	164	19	authors	author	NOUN
easat-7157	164	20	;	;	PUNCT
easat-7157	164	21	licensee	licensee	PROPN
easat-7157	164	22	learning	learning	NOUN
easat-7157	164	23	gate	gate	VERB
easat-7157	164	24	digital	digital	PROPN
easat-7157	164	25	banking	banking	PROPN
easat-7157	164	26	and	and	CCONJ
easat-7157	164	27	business	business	NOUN
easat-7157	164	28	services	service	NOUN
easat-7157	164	29	that	that	PRON
easat-7157	164	30	are	be	AUX
easat-7157	164	31	currently	currently	ADV
easat-7157	164	32	emerging	emerge	VERB
easat-7157	164	33	have	have	AUX
easat-7157	164	34	led	lead	VERB
easat-7157	164	35	to	to	ADP
easat-7157	164	36	a	a	DET
easat-7157	164	37	reduction	reduction	NOUN
easat-7157	164	38	in	in	ADP
easat-7157	164	39	the	the	DET
easat-7157	164	40	cost	cost	NOUN
easat-7157	164	41	of	of	ADP
easat-7157	164	42	financial	financial	ADJ
easat-7157	164	43	services	service	NOUN
easat-7157	164	44	and	and	CCONJ
easat-7157	164	45	an	an	DET
easat-7157	164	46	increase	increase	NOUN
easat-7157	164	47	in	in	ADP
easat-7157	164	48	the	the	DET
easat-7157	164	49	provision	provision	NOUN
easat-7157	164	50	of	of	ADP
easat-7157	164	51	financial	financial	ADJ
easat-7157	164	52	solutions	solution	NOUN
easat-7157	164	53	tailored	tailor	VERB
easat-7157	164	54	to	to	ADP
easat-7157	164	55	customer	customer	NOUN
easat-7157	164	56	demand	demand	NOUN
easat-7157	164	57	,	,	PUNCT
easat-7157	164	58	covering	cover	VERB
easat-7157	164	59	all	all	DET
easat-7157	164	60	consumer	consumer	NOUN
easat-7157	164	61	needs	need	NOUN
easat-7157	164	62	at	at	ADP
easat-7157	164	63	all	all	DET
easat-7157	164	64	income	income	NOUN
easat-7157	164	65	levels	level	NOUN
easat-7157	164	66	[	[	X
easat-7157	164	67	22	22	NUM
easat-7157	164	68	]	]	PUNCT
easat-7157	164	69	.	.	PUNCT
easat-7157	165	1	consequently	consequently	ADV
easat-7157	165	2	,	,	PUNCT
easat-7157	165	3	these	these	DET
easat-7157	165	4	emerging	emerge	VERB
easat-7157	165	5	digital	digital	ADJ
easat-7157	165	6	services	service	NOUN
easat-7157	165	7	will	will	AUX
easat-7157	165	8	increase	increase	VERB
easat-7157	165	9	consumption	consumption	NOUN
easat-7157	165	10	and	and	CCONJ
easat-7157	165	11	contribute	contribute	VERB
easat-7157	165	12	to	to	ADP
easat-7157	165	13	gdp	gdp	NOUN
easat-7157	165	14	growth	growth	NOUN
easat-7157	165	15	[	[	X
easat-7157	165	16	36	36	NUM
easat-7157	165	17	]	]	PUNCT
easat-7157	165	18	.	.	PUNCT
easat-7157	166	1	furthermore	furthermore	ADV
easat-7157	166	2	,	,	PUNCT
easat-7157	166	3	ai	ai	VERB
easat-7157	166	4	is	be	AUX
easat-7157	166	5	critical	critical	ADJ
easat-7157	166	6	in	in	ADP
easat-7157	166	7	driving	drive	VERB
easat-7157	166	8	defi	defi	NOUN
easat-7157	166	9	by	by	ADP
easat-7157	166	10	presenting	present	VERB
easat-7157	166	11	new	new	ADJ
easat-7157	166	12	opportunities	opportunity	NOUN
easat-7157	166	13	for	for	ADP
easat-7157	166	14	service	service	NOUN
easat-7157	166	15	providers	provider	NOUN
easat-7157	166	16	to	to	PART
easat-7157	166	17	broaden	broaden	VERB
easat-7157	166	18	access	access	NOUN
easat-7157	166	19	,	,	PUNCT
easat-7157	166	20	reduce	reduce	VERB
easat-7157	166	21	monopolies	monopoly	NOUN
easat-7157	166	22	,	,	PUNCT
easat-7157	166	23	and	and	CCONJ
easat-7157	166	24	foster	foster	VERB
easat-7157	166	25	new	new	ADJ
easat-7157	166	26	financial	financial	ADJ
easat-7157	166	27	provision	provision	NOUN
easat-7157	166	28	systems	system	NOUN
easat-7157	166	29	that	that	PRON
easat-7157	166	30	connect	connect	VERB
easat-7157	166	31	lenders	lender	NOUN
easat-7157	166	32	and	and	CCONJ
easat-7157	166	33	borrowers	borrower	NOUN
easat-7157	166	34	[	[	X
easat-7157	166	35	18	18	NUM
easat-7157	166	36	]	]	PUNCT
easat-7157	166	37	.	.	PUNCT
easat-7157	167	1	additionally	additionally	ADV
easat-7157	167	2	,	,	PUNCT
easat-7157	167	3	ai	ai	VERB
easat-7157	167	4	helps	help	VERB
easat-7157	167	5	banks	bank	NOUN
easat-7157	167	6	bolster	bolster	VERB
easat-7157	167	7	their	their	PRON
easat-7157	167	8	operational	operational	ADJ
easat-7157	167	9	efficiency	efficiency	NOUN
easat-7157	167	10	by	by	ADP
easat-7157	167	11	reducing	reduce	VERB
easat-7157	167	12	instances	instance	NOUN
easat-7157	167	13	of	of	ADP
easat-7157	167	14	fraud	fraud	NOUN
easat-7157	167	15	[	[	X
easat-7157	167	16	37	37	NUM
easat-7157	167	17	]	]	PUNCT
easat-7157	167	18	.	.	PUNCT
easat-7157	168	1	based	base	VERB
easat-7157	168	2	on	on	ADP
easat-7157	168	3	the	the	DET
easat-7157	168	4	study	study	NOUN
easat-7157	168	5	by	by	ADP
easat-7157	168	6	zhou	zhou	PROPN
easat-7157	168	7	and	and	CCONJ
easat-7157	168	8	zheng	zheng	PROPN
easat-7157	168	9	[	[	X
easat-7157	168	10	38	38	NUM
easat-7157	168	11	]	]	PUNCT
easat-7157	168	12	ai	ai	VERB
easat-7157	168	13	significantly	significantly	ADV
easat-7157	168	14	improves	improve	VERB
easat-7157	168	15	the	the	DET
easat-7157	168	16	customer	customer	NOUN
easat-7157	168	17	experience	experience	NOUN
easat-7157	168	18	by	by	ADP
easat-7157	168	19	providing	provide	VERB
easat-7157	168	20	adequate	adequate	ADJ
easat-7157	168	21	and	and	CCONJ
easat-7157	168	22	adaptable	adaptable	ADJ
easat-7157	168	23	financial	financial	ADJ
easat-7157	168	24	services	service	NOUN
easat-7157	168	25	.	.	PUNCT
easat-7157	169	1	this	this	PRON
easat-7157	169	2	entails	entail	VERB
easat-7157	169	3	using	use	VERB
easat-7157	169	4	ai	ai	VERB
easat-7157	169	5	to	to	PART
easat-7157	169	6	represent	represent	VERB
easat-7157	169	7	services	service	NOUN
easat-7157	169	8	and	and	CCONJ
easat-7157	169	9	support	support	NOUN
easat-7157	169	10	clients	client	NOUN
easat-7157	169	11	whenever	whenever	SCONJ
easat-7157	169	12	they	they	PRON
easat-7157	169	13	require	require	VERB
easat-7157	169	14	assistance	assistance	NOUN
easat-7157	169	15	.	.	PUNCT
easat-7157	170	1	this	this	PRON
easat-7157	170	2	boosts	boost	VERB
easat-7157	170	3	client	client	NOUN
easat-7157	170	4	loyalty	loyalty	NOUN
easat-7157	170	5	to	to	ADP
easat-7157	170	6	competitive	competitive	ADJ
easat-7157	170	7	banking	banking	NOUN
easat-7157	170	8	.	.	PUNCT
easat-7157	171	1	furthermore	furthermore	ADV
easat-7157	171	2	,	,	PUNCT
easat-7157	171	3	the	the	DET
easat-7157	171	4	development	development	NOUN
easat-7157	171	5	of	of	ADP
easat-7157	171	6	ai	ai	NOUN
easat-7157	171	7	has	have	AUX
easat-7157	171	8	led	lead	VERB
easat-7157	171	9	to	to	ADP
easat-7157	171	10	it	it	PRON
easat-7157	171	11	becoming	become	VERB
easat-7157	171	12	a	a	DET
easat-7157	171	13	significant	significant	ADJ
easat-7157	171	14	resource	resource	NOUN
easat-7157	171	15	for	for	ADP
easat-7157	171	16	improving	improve	VERB
easat-7157	171	17	human	human	ADJ
easat-7157	171	18	life	life	NOUN
easat-7157	171	19	through	through	ADP
easat-7157	171	20	its	its	PRON
easat-7157	171	21	application	application	NOUN
easat-7157	171	22	in	in	ADP
easat-7157	171	23	areas	area	NOUN
easat-7157	171	24	such	such	ADJ
easat-7157	171	25	as	as	ADP
easat-7157	171	26	education	education	NOUN
easat-7157	171	27	,	,	PUNCT
easat-7157	171	28	investment	investment	NOUN
easat-7157	171	29	,	,	PUNCT
easat-7157	171	30	advice	advice	NOUN
easat-7157	171	31	,	,	PUNCT
easat-7157	171	32	and	and	CCONJ
easat-7157	171	33	other	other	ADJ
easat-7157	171	34	human	human	ADJ
easat-7157	171	35	needs	need	NOUN
easat-7157	171	36	[	[	X
easat-7157	171	37	34	34	NUM
easat-7157	171	38	]	]	PUNCT
easat-7157	171	39	.	.	PUNCT
easat-7157	172	1	ai	ai	AUX
easat-7157	172	2	applications	application	NOUN
easat-7157	172	3	can	can	AUX
easat-7157	172	4	diversify	diversify	VERB
easat-7157	172	5	services	service	NOUN
easat-7157	172	6	to	to	PART
easat-7157	172	7	impact	impact	VERB
easat-7157	172	8	human	human	ADJ
easat-7157	172	9	income	income	NOUN
easat-7157	172	10	by	by	ADP
easat-7157	172	11	reducing	reduce	VERB
easat-7157	172	12	costs	cost	NOUN
easat-7157	172	13	and	and	CCONJ
easat-7157	172	14	enabling	enable	VERB
easat-7157	172	15	access	access	NOUN
easat-7157	172	16	to	to	ADP
easat-7157	172	17	all	all	DET
easat-7157	172	18	financial	financial	ADJ
easat-7157	172	19	services	service	NOUN
easat-7157	172	20	,	,	PUNCT
easat-7157	172	21	thereby	thereby	ADV
easat-7157	172	22	providing	provide	VERB
easat-7157	172	23	financial	financial	ADJ
easat-7157	172	24	resources	resource	NOUN
easat-7157	172	25	to	to	PART
easat-7157	172	26	enhance	enhance	VERB
easat-7157	172	27	livelihoods	livelihood	NOUN
easat-7157	172	28	and	and	CCONJ
easat-7157	172	29	improve	improve	VERB
easat-7157	172	30	the	the	DET
easat-7157	172	31	environment	environment	NOUN
easat-7157	172	32	[	[	X
easat-7157	172	33	34	34	NUM
easat-7157	172	34	]	]	PUNCT
easat-7157	172	35	.	.	PUNCT
easat-7157	173	1	by	by	ADP
easat-7157	173	2	transitioning	transition	VERB
easat-7157	173	3	from	from	ADP
easat-7157	173	4	a	a	DET
easat-7157	173	5	conventional	conventional	ADJ
easat-7157	173	6	paradigm	paradigm	NOUN
easat-7157	173	7	to	to	ADP
easat-7157	173	8	a	a	DET
easat-7157	173	9	contemporary	contemporary	ADJ
easat-7157	173	10	corporate	corporate	ADJ
easat-7157	173	11	paradigm	paradigm	NOUN
easat-7157	173	12	,	,	PUNCT
easat-7157	173	13	which	which	PRON
easat-7157	173	14	has	have	VERB
easat-7157	173	15	a	a	DET
easat-7157	173	16	lower	low	ADJ
easat-7157	173	17	environmental	environmental	ADJ
easat-7157	173	18	impact	impact	NOUN
easat-7157	173	19	and	and	CCONJ
easat-7157	173	20	raises	raise	VERB
easat-7157	173	21	social	social	ADJ
easat-7157	173	22	income	income	NOUN
easat-7157	173	23	,	,	PUNCT
easat-7157	173	24	ai	ai	VERB
easat-7157	173	25	provides	provide	VERB
easat-7157	173	26	solutions	solution	NOUN
easat-7157	173	27	for	for	ADP
easat-7157	173	28	enhancing	enhance	VERB
easat-7157	173	29	lives	life	NOUN
easat-7157	173	30	,	,	PUNCT
easat-7157	173	31	overcoming	overcome	VERB
easat-7157	173	32	challenges	challenge	NOUN
easat-7157	173	33	,	,	PUNCT
easat-7157	173	34	and	and	CCONJ
easat-7157	173	35	improving	improve	VERB
easat-7157	173	36	sustainability	sustainability	NOUN
easat-7157	174	1	[	[	X
easat-7157	174	2	9	9	NUM
easat-7157	174	3	]	]	PUNCT
easat-7157	174	4	.	.	PUNCT
easat-7157	175	1	this	this	PRON
easat-7157	175	2	is	be	AUX
easat-7157	175	3	accomplished	accomplish	VERB
easat-7157	175	4	by	by	ADP
easat-7157	175	5	reshaping	reshape	VERB
easat-7157	175	6	financial	financial	ADJ
easat-7157	175	7	resources	resource	NOUN
easat-7157	175	8	and	and	CCONJ
easat-7157	175	9	human	human	ADJ
easat-7157	175	10	demand	demand	NOUN
easat-7157	175	11	through	through	ADP
easat-7157	175	12	technological	technological	ADJ
easat-7157	175	13	innovation	innovation	NOUN
easat-7157	175	14	.	.	PUNCT
easat-7157	176	1	ai	ai	AUX
easat-7157	176	2	also	also	ADV
easat-7157	176	3	assists	assist	VERB
easat-7157	176	4	society	society	NOUN
easat-7157	176	5	by	by	ADP
easat-7157	176	6	raising	raise	VERB
easat-7157	176	7	awareness	awareness	NOUN
easat-7157	176	8	and	and	CCONJ
easat-7157	176	9	knowledge	knowledge	NOUN
easat-7157	176	10	and	and	CCONJ
easat-7157	176	11	enhancing	enhance	VERB
easat-7157	176	12	financial	financial	ADJ
easat-7157	176	13	literacy	literacy	NOUN
easat-7157	176	14	[	[	X
easat-7157	176	15	39	39	NUM
easat-7157	176	16	]	]	PUNCT
easat-7157	176	17	.	.	PUNCT
easat-7157	177	1	many	many	ADJ
easat-7157	177	2	studies	study	NOUN
easat-7157	177	3	have	have	AUX
easat-7157	177	4	shown	show	VERB
easat-7157	177	5	that	that	SCONJ
easat-7157	177	6	ai	ai	VERB
easat-7157	177	7	is	be	AUX
easat-7157	177	8	a	a	DET
easat-7157	177	9	significant	significant	ADJ
easat-7157	177	10	solution	solution	NOUN
easat-7157	177	11	for	for	ADP
easat-7157	177	12	enhancing	enhance	VERB
easat-7157	177	13	financial	financial	ADJ
easat-7157	177	14	inclusion	inclusion	NOUN
easat-7157	177	15	by	by	ADP
easat-7157	177	16	providing	provide	VERB
easat-7157	177	17	various	various	ADJ
easat-7157	177	18	models	model	NOUN
easat-7157	177	19	and	and	CCONJ
easat-7157	177	20	opportunities	opportunity	NOUN
easat-7157	177	21	to	to	PART
easat-7157	177	22	improve	improve	VERB
easat-7157	177	23	community	community	NOUN
easat-7157	177	24	and	and	CCONJ
easat-7157	177	25	societal	societal	ADJ
easat-7157	177	26	outcomes	outcome	NOUN
easat-7157	177	27	,	,	PUNCT
easat-7157	177	28	enhance	enhance	VERB
easat-7157	177	29	economic	economic	ADJ
easat-7157	177	30	growth	growth	NOUN
easat-7157	177	31	and	and	CCONJ
easat-7157	177	32	sustainability	sustainability	NOUN
easat-7157	177	33	,	,	PUNCT
easat-7157	177	34	and	and	CCONJ
easat-7157	177	35	reduce	reduce	VERB
easat-7157	177	36	negative	negative	ADJ
easat-7157	177	37	environmental	environmental	ADJ
easat-7157	177	38	impacts	impact	NOUN
easat-7157	177	39	[	[	X
easat-7157	177	40	1	1	NUM
easat-7157	177	41	,	,	PUNCT
easat-7157	177	42	39	39	NUM
easat-7157	177	43	,	,	PUNCT
easat-7157	177	44	40	40	NUM
easat-7157	177	45	]	]	PUNCT
easat-7157	177	46	.	.	PUNCT
easat-7157	178	1	4.2	4.2	NUM
easat-7157	178	2	.	.	PUNCT
easat-7157	178	3	technological	technological	ADJ
easat-7157	178	4	readiness	readiness	NOUN
easat-7157	178	5	in	in	ADP
easat-7157	178	6	ai	ai	PROPN
easat-7157	178	7	adoption	adoption	NOUN
easat-7157	178	8	,	,	PUNCT
easat-7157	178	9	digital	digital	ADJ
easat-7157	178	10	readiness	readiness	NOUN
easat-7157	178	11	refers	refer	VERB
easat-7157	178	12	to	to	ADP
easat-7157	178	13	an	an	DET
easat-7157	178	14	organisation	organisation	NOUN
easat-7157	178	15	’s	’s	PART
easat-7157	178	16	willingness	willingness	NOUN
easat-7157	178	17	and	and	CCONJ
easat-7157	178	18	capability	capability	NOUN
easat-7157	178	19	to	to	PART
easat-7157	178	20	adopt	adopt	VERB
easat-7157	178	21	ai	ai	AUX
easat-7157	178	22	based	base	VERB
easat-7157	178	23	on	on	ADP
easat-7157	178	24	its	its	PRON
easat-7157	178	25	relative	relative	ADJ
easat-7157	178	26	advantages	advantage	NOUN
easat-7157	178	27	,	,	PUNCT
easat-7157	178	28	culture	culture	NOUN
easat-7157	178	29	,	,	PUNCT
easat-7157	178	30	resources	resource	NOUN
easat-7157	178	31	,	,	PUNCT
easat-7157	178	32	data	datum	NOUN
easat-7157	178	33	,	,	PUNCT
easat-7157	178	34	vision	vision	NOUN
easat-7157	178	35	,	,	PUNCT
easat-7157	178	36	and	and	CCONJ
easat-7157	178	37	knowledge	knowledge	NOUN
easat-7157	178	38	[	[	X
easat-7157	178	39	21	21	NUM
easat-7157	178	40	]	]	PUNCT
easat-7157	178	41	.	.	PUNCT
easat-7157	179	1	furthermore	furthermore	ADV
easat-7157	179	2	,	,	PUNCT
easat-7157	179	3	an	an	DET
easat-7157	179	4	organization	organization	NOUN
easat-7157	179	5	’s	’s	PART
easat-7157	179	6	capacity	capacity	NOUN
easat-7157	179	7	to	to	PART
easat-7157	179	8	implement	implement	VERB
easat-7157	179	9	new	new	ADJ
easat-7157	179	10	technology	technology	NOUN
easat-7157	179	11	is	be	AUX
easat-7157	179	12	determined	determine	VERB
easat-7157	179	13	by	by	ADP
easat-7157	179	14	its	its	PRON
easat-7157	179	15	level	level	NOUN
easat-7157	179	16	of	of	ADP
easat-7157	179	17	technological	technological	ADJ
easat-7157	179	18	readiness	readiness	NOUN
easat-7157	179	19	to	to	PART
easat-7157	179	20	align	align	VERB
easat-7157	179	21	with	with	ADP
easat-7157	179	22	the	the	DET
easat-7157	179	23	characteristics	characteristic	NOUN
easat-7157	179	24	of	of	ADP
easat-7157	179	25	ai	ai	AUX
easat-7157	179	26	abed	abe	VERB
easat-7157	179	27	[	[	PUNCT
easat-7157	179	28	41	41	NUM
easat-7157	179	29	]	]	PUNCT
easat-7157	179	30	and	and	CCONJ
easat-7157	179	31	lai	lai	PROPN
easat-7157	179	32	,	,	PUNCT
easat-7157	179	33	et	et	PROPN
easat-7157	179	34	al	al	PROPN
easat-7157	179	35	.	.	PUNCT
easat-7157	180	1	[	[	X
easat-7157	180	2	42	42	NUM
easat-7157	180	3	]	]	PUNCT
easat-7157	180	4	.	.	PUNCT
easat-7157	181	1	sahin	sahin	PROPN
easat-7157	182	1	[	[	X
easat-7157	182	2	43	43	NUM
easat-7157	182	3	]	]	PUNCT
easat-7157	182	4	discusses	discuss	VERB
easat-7157	182	5	that	that	SCONJ
easat-7157	182	6	knowledge	knowledge	NOUN
easat-7157	182	7	of	of	ADP
easat-7157	182	8	whether	whether	SCONJ
easat-7157	182	9	social	social	ADJ
easat-7157	182	10	,	,	PUNCT
easat-7157	182	11	economic	economic	ADJ
easat-7157	182	12	,	,	PUNCT
easat-7157	182	13	personal	personal	ADJ
easat-7157	182	14	,	,	PUNCT
easat-7157	182	15	or	or	CCONJ
easat-7157	182	16	related	relate	VERB
easat-7157	182	17	to	to	ADP
easat-7157	182	18	communication	communication	NOUN
easat-7157	182	19	behaviour	behaviour	NOUN
easat-7157	182	20	is	be	AUX
easat-7157	182	21	the	the	DET
easat-7157	182	22	first	first	ADJ
easat-7157	182	23	step	step	NOUN
easat-7157	182	24	towards	towards	ADP
easat-7157	182	25	accepting	accept	VERB
easat-7157	182	26	new	new	ADJ
easat-7157	182	27	technology	technology	NOUN
easat-7157	182	28	and	and	CCONJ
easat-7157	182	29	a	a	DET
easat-7157	182	30	factor	factor	NOUN
easat-7157	182	31	that	that	PRON
easat-7157	182	32	will	will	AUX
easat-7157	182	33	expedite	expedite	VERB
easat-7157	182	34	the	the	DET
easat-7157	182	35	adoption	adoption	NOUN
easat-7157	182	36	process	process	NOUN
easat-7157	182	37	,	,	PUNCT
easat-7157	182	38	reduce	reduce	VERB
easat-7157	182	39	uncertainty	uncertainty	NOUN
easat-7157	182	40	,	,	PUNCT
easat-7157	182	41	and	and	CCONJ
easat-7157	182	42	improve	improve	VERB
easat-7157	182	43	societal	societal	ADJ
easat-7157	182	44	outcomes	outcome	NOUN
easat-7157	182	45	[	[	X
easat-7157	182	46	43	43	NUM
easat-7157	182	47	]	]	PUNCT
easat-7157	182	48	.	.	PUNCT
easat-7157	183	1	based	base	VERB
easat-7157	183	2	on	on	ADP
easat-7157	183	3	previous	previous	ADJ
easat-7157	183	4	studies	study	NOUN
easat-7157	183	5	by	by	ADP
easat-7157	183	6	horani	horani	PROPN
easat-7157	183	7	,	,	PUNCT
easat-7157	183	8	et	et	PROPN
easat-7157	183	9	al	al	PROPN
easat-7157	183	10	.	.	PUNCT
easat-7157	184	1	[	[	X
easat-7157	184	2	44	44	NUM
easat-7157	184	3	]	]	PUNCT
easat-7157	184	4	and	and	CCONJ
easat-7157	184	5	hmoud	hmoud	NOUN
easat-7157	184	6	,	,	PUNCT
easat-7157	184	7	et	et	PROPN
easat-7157	184	8	al	al	PROPN
easat-7157	184	9	.	.	PUNCT
easat-7157	185	1	[	[	X
easat-7157	185	2	45	45	NUM
easat-7157	185	3	]	]	PUNCT
easat-7157	185	4	the	the	DET
easat-7157	185	5	technical	technical	ADJ
easat-7157	185	6	perspective	perspective	NOUN
easat-7157	185	7	depicts	depict	VERB
easat-7157	185	8	how	how	SCONJ
easat-7157	185	9	a	a	DET
easat-7157	185	10	company	company	NOUN
easat-7157	185	11	adopts	adopt	VERB
easat-7157	185	12	new	new	ADJ
easat-7157	185	13	technological	technological	ADJ
easat-7157	185	14	advances	advance	NOUN
easat-7157	185	15	based	base	VERB
easat-7157	185	16	on	on	ADP
easat-7157	185	17	the	the	DET
easat-7157	185	18	added	add	VERB
easat-7157	185	19	value	value	NOUN
easat-7157	185	20	and	and	CCONJ
easat-7157	185	21	preparedness	preparedness	NOUN
easat-7157	185	22	of	of	ADP
easat-7157	185	23	its	its	PRON
easat-7157	185	24	technological	technological	ADJ
easat-7157	185	25	infrastructure	infrastructure	NOUN
easat-7157	185	26	.	.	PUNCT
easat-7157	186	1	uren	uren	PROPN
easat-7157	186	2	and	and	CCONJ
easat-7157	186	3	edwards	edwards	PROPN
easat-7157	186	4	[	[	X
easat-7157	186	5	23	23	NUM
easat-7157	186	6	]	]	PUNCT
easat-7157	186	7	pointed	point	VERB
easat-7157	186	8	out	out	ADP
easat-7157	186	9	that	that	SCONJ
easat-7157	186	10	successful	successful	ADJ
easat-7157	186	11	ai	ai	VERB
easat-7157	186	12	implementation	implementation	NOUN
easat-7157	186	13	requires	require	VERB
easat-7157	186	14	data	datum	NOUN
easat-7157	186	15	availability	availability	NOUN
easat-7157	186	16	for	for	ADP
easat-7157	186	17	processing	processing	NOUN
easat-7157	186	18	interactions	interaction	NOUN
easat-7157	186	19	.	.	PUNCT
easat-7157	187	1	high	high	ADJ
easat-7157	187	2	technological	technological	ADJ
easat-7157	187	3	maturity	maturity	NOUN
easat-7157	187	4	allows	allow	VERB
easat-7157	187	5	organizations	organization	NOUN
easat-7157	187	6	to	to	PART
easat-7157	187	7	implement	implement	VERB
easat-7157	187	8	new	new	ADJ
easat-7157	187	9	technologies	technology	NOUN
easat-7157	187	10	at	at	ADP
easat-7157	187	11	a	a	DET
easat-7157	187	12	reasonable	reasonable	ADJ
easat-7157	187	13	cost	cost	NOUN
easat-7157	187	14	[	[	X
easat-7157	187	15	23	23	NUM
easat-7157	187	16	]	]	PUNCT
easat-7157	187	17	.	.	PUNCT
easat-7157	188	1	organizations	organization	NOUN
easat-7157	188	2	’	'	PUNCT
easat-7157	188	3	evaluation	evaluation	NOUN
easat-7157	188	4	of	of	ADP
easat-7157	188	5	the	the	DET
easat-7157	188	6	relative	relative	ADJ
easat-7157	188	7	advantages	advantage	NOUN
easat-7157	188	8	of	of	ADP
easat-7157	188	9	ai	ai	VERB
easat-7157	188	10	to	to	PART
easat-7157	188	11	enhance	enhance	VERB
easat-7157	188	12	their	their	PRON
easat-7157	188	13	value	value	NOUN
easat-7157	188	14	and	and	CCONJ
easat-7157	188	15	exceed	exceed	VERB
easat-7157	188	16	the	the	DET
easat-7157	188	17	existing	exist	VERB
easat-7157	188	18	benefits	benefit	NOUN
easat-7157	188	19	of	of	ADP
easat-7157	188	20	traditional	traditional	ADJ
easat-7157	188	21	models	model	NOUN
easat-7157	188	22	will	will	AUX
easat-7157	188	23	lead	lead	VERB
easat-7157	188	24	to	to	ADP
easat-7157	188	25	the	the	DET
easat-7157	188	26	effective	effective	ADJ
easat-7157	188	27	integration	integration	NOUN
easat-7157	188	28	of	of	ADP
easat-7157	188	29	the	the	DET
easat-7157	188	30	new	new	ADJ
easat-7157	188	31	system	system	NOUN
easat-7157	188	32	with	with	ADP
easat-7157	188	33	existing	exist	VERB
easat-7157	188	34	ones	one	NOUN
easat-7157	188	35	[	[	X
easat-7157	188	36	5	5	NUM
easat-7157	188	37	]	]	PUNCT
easat-7157	188	38	.	.	PUNCT
easat-7157	189	1	value	value	NOUN
easat-7157	189	2	includes	include	VERB
easat-7157	189	3	a	a	DET
easat-7157	189	4	financial	financial	ADJ
easat-7157	189	5	firm	firm	NOUN
easat-7157	189	6	’s	’s	PART
easat-7157	189	7	ability	ability	NOUN
easat-7157	189	8	to	to	PART
easat-7157	189	9	enhance	enhance	VERB
easat-7157	189	10	its	its	PRON
easat-7157	189	11	services	service	NOUN
easat-7157	189	12	and	and	CCONJ
easat-7157	189	13	access	access	NOUN
easat-7157	189	14	all	all	DET
easat-7157	189	15	community	community	NOUN
easat-7157	189	16	income	income	NOUN
easat-7157	189	17	levels	level	NOUN
easat-7157	189	18	to	to	PART
easat-7157	189	19	improve	improve	VERB
easat-7157	189	20	finance	finance	NOUN
easat-7157	189	21	inclusion	inclusion	NOUN
easat-7157	189	22	.	.	PUNCT
easat-7157	190	1	however	however	ADV
easat-7157	190	2	,	,	PUNCT
easat-7157	190	3	organisations	organisation	NOUN
easat-7157	190	4	'	'	PART
easat-7157	190	5	lack	lack	NOUN
easat-7157	190	6	of	of	ADP
easat-7157	190	7	technological	technological	ADJ
easat-7157	190	8	infrastructure	infrastructure	NOUN
easat-7157	190	9	readiness	readiness	NOUN
easat-7157	190	10	increases	increase	VERB
easat-7157	190	11	the	the	DET
easat-7157	190	12	pressure	pressure	NOUN
easat-7157	190	13	and	and	CCONJ
easat-7157	190	14	challenges	challenge	NOUN
easat-7157	190	15	they	they	PRON
easat-7157	190	16	face	face	VERB
easat-7157	190	17	when	when	SCONJ
easat-7157	190	18	adopting	adopt	VERB
easat-7157	190	19	ai	ai	VERB
easat-7157	190	20	kumar	kumar	PROPN
easat-7157	190	21	,	,	PUNCT
easat-7157	190	22	et	et	PROPN
easat-7157	190	23	al	al	PROPN
easat-7157	190	24	.	.	PUNCT
easat-7157	191	1	[	[	X
easat-7157	191	2	46	46	NUM
easat-7157	191	3	]	]	PUNCT
easat-7157	191	4	.	.	PUNCT
easat-7157	192	1	kumar	kumar	PROPN
easat-7157	192	2	,	,	PUNCT
easat-7157	192	3	et	et	PROPN
easat-7157	192	4	al	al	PROPN
easat-7157	192	5	.	.	PUNCT
easat-7157	193	1	[	[	X
easat-7157	193	2	47	47	NUM
easat-7157	193	3	]	]	PUNCT
easat-7157	193	4	argued	argue	VERB
easat-7157	193	5	that	that	SCONJ
easat-7157	193	6	insufficient	insufficient	ADJ
easat-7157	193	7	resources	resource	NOUN
easat-7157	193	8	and	and	CCONJ
easat-7157	193	9	outdated	outdated	ADJ
easat-7157	193	10	systems	system	NOUN
easat-7157	193	11	that	that	PRON
easat-7157	193	12	do	do	AUX
easat-7157	193	13	not	not	PART
easat-7157	193	14	correspond	correspond	VERB
easat-7157	193	15	to	to	ADP
easat-7157	193	16	contemporary	contemporary	ADJ
easat-7157	193	17	advancements	advancement	NOUN
easat-7157	193	18	lead	lead	VERB
easat-7157	193	19	to	to	ADP
easat-7157	193	20	increased	increase	VERB
easat-7157	193	21	expenses	expense	NOUN
easat-7157	193	22	and	and	CCONJ
easat-7157	193	23	a	a	DET
easat-7157	193	24	lack	lack	NOUN
easat-7157	193	25	of	of	ADP
easat-7157	193	26	flexibility	flexibility	NOUN
easat-7157	193	27	within	within	ADP
easat-7157	193	28	the	the	DET
easat-7157	193	29	company	company	NOUN
easat-7157	193	30	[	[	X
easat-7157	193	31	46	46	NUM
easat-7157	193	32	]	]	PUNCT
easat-7157	193	33	.	.	PUNCT
easat-7157	194	1	as	as	ADP
easat-7157	194	2	a	a	DET
easat-7157	194	3	result	result	NOUN
easat-7157	194	4	,	,	PUNCT
easat-7157	194	5	the	the	DET
easat-7157	194	6	company	company	NOUN
easat-7157	194	7	loses	lose	VERB
easat-7157	194	8	its	its	PRON
easat-7157	194	9	ability	ability	NOUN
easat-7157	194	10	to	to	PART
easat-7157	194	11	implement	implement	VERB
easat-7157	194	12	strategies	strategy	NOUN
easat-7157	194	13	that	that	PRON
easat-7157	194	14	boost	boost	VERB
easat-7157	194	15	business	business	NOUN
easat-7157	194	16	performance	performance	NOUN
easat-7157	194	17	and	and	CCONJ
easat-7157	194	18	streamline	streamline	VERB
easat-7157	194	19	operations	operation	NOUN
easat-7157	194	20	while	while	SCONJ
easat-7157	194	21	providing	provide	VERB
easat-7157	194	22	services	service	NOUN
easat-7157	194	23	that	that	PRON
easat-7157	194	24	appeal	appeal	VERB
easat-7157	194	25	to	to	ADP
easat-7157	194	26	customers	customer	NOUN
easat-7157	194	27	’	'	PUNCT
easat-7157	194	28	current	current	ADJ
easat-7157	194	29	needs	need	NOUN
easat-7157	194	30	.	.	PUNCT
easat-7157	195	1	technological	technological	ADJ
easat-7157	195	2	readiness	readiness	NOUN
easat-7157	195	3	refers	refer	VERB
easat-7157	195	4	to	to	ADP
easat-7157	195	5	the	the	DET
easat-7157	195	6	capability	capability	NOUN
easat-7157	195	7	of	of	ADP
easat-7157	195	8	existing	exist	VERB
easat-7157	195	9	systems	system	NOUN
easat-7157	195	10	to	to	PART
easat-7157	195	11	adapt	adapt	VERB
easat-7157	195	12	to	to	ADP
easat-7157	195	13	the	the	DET
easat-7157	195	14	ai	ai	NOUN
easat-7157	195	15	system	system	NOUN
easat-7157	195	16	requirements	requirement	NOUN
easat-7157	195	17	.	.	PUNCT
easat-7157	196	1	in	in	ADP
easat-7157	196	2	contrast	contrast	NOUN
easat-7157	196	3	,	,	PUNCT
easat-7157	196	4	compatibility	compatibility	NOUN
easat-7157	196	5	indicates	indicate	VERB
easat-7157	196	6	high	high	ADJ
easat-7157	196	7	integration	integration	NOUN
easat-7157	196	8	and	and	CCONJ
easat-7157	196	9	simplification	simplification	NOUN
easat-7157	196	10	in	in	ADP
easat-7157	196	11	adopting	adopt	VERB
easat-7157	196	12	ai	ai	VERB
easat-7157	196	13	within	within	ADP
easat-7157	196	14	organizations	organization	NOUN
easat-7157	196	15	,	,	PUNCT
easat-7157	196	16	as	as	SCONJ
easat-7157	196	17	observed	observe	VERB
easat-7157	196	18	from	from	ADP
easat-7157	196	19	the	the	DET
easat-7157	196	20	organizational	organizational	ADJ
easat-7157	196	21	perspective	perspective	NOUN
easat-7157	196	22	of	of	ADP
easat-7157	196	23	doi	doi	PROPN
easat-7157	196	24	theory	theory	PROPN
easat-7157	196	25	yu	yu	PROPN
easat-7157	196	26	,	,	PUNCT
easat-7157	196	27	et	et	PROPN
easat-7157	196	28	al	al	PROPN
easat-7157	196	29	.	.	PUNCT
easat-7157	197	1	[	[	X
easat-7157	197	2	5	5	NUM
easat-7157	197	3	]	]	PUNCT
easat-7157	197	4	;	;	PUNCT
easat-7157	197	5	abed	abe	VERB
easat-7157	197	6	[	[	PUNCT
easat-7157	197	7	41	41	NUM
easat-7157	197	8	]	]	PUNCT
easat-7157	197	9	and	and	CCONJ
easat-7157	197	10	lai	lai	PROPN
easat-7157	197	11	,	,	PUNCT
easat-7157	197	12	et	et	PROPN
easat-7157	197	13	al	al	PROPN
easat-7157	197	14	.	.	PUNCT
easat-7157	198	1	[	[	X
easat-7157	198	2	42	42	NUM
easat-7157	198	3	]	]	PUNCT
easat-7157	198	4	.	.	PUNCT
easat-7157	199	1	moreover	moreover	ADV
easat-7157	199	2	,	,	PUNCT
easat-7157	199	3	ai	ai	VERB
easat-7157	199	4	provides	provide	VERB
easat-7157	199	5	features	feature	NOUN
easat-7157	199	6	that	that	PRON
easat-7157	199	7	optimize	optimize	VERB
easat-7157	199	8	the	the	DET
easat-7157	199	9	advantages	advantage	NOUN
easat-7157	199	10	gained	gain	VERB
easat-7157	199	11	by	by	ADP
easat-7157	199	12	its	its	PRON
easat-7157	199	13	adoption	adoption	NOUN
easat-7157	199	14	compared	compare	VERB
easat-7157	199	15	with	with	ADP
easat-7157	199	16	conventional	conventional	ADJ
easat-7157	199	17	models	model	NOUN
easat-7157	199	18	[	[	X
easat-7157	199	19	5	5	NUM
easat-7157	199	20	]	]	PUNCT
easat-7157	199	21	.	.	PUNCT
easat-7157	200	1	for	for	ADP
easat-7157	200	2	example	example	NOUN
easat-7157	200	3	,	,	PUNCT
easat-7157	200	4	ai	ai	VERB
easat-7157	200	5	shifts	shift	NOUN
easat-7157	200	6	the	the	DET
easat-7157	200	7	financial	financial	ADJ
easat-7157	200	8	sector	sector	NOUN
easat-7157	200	9	’s	’s	PART
easat-7157	200	10	system	system	NOUN
easat-7157	200	11	towards	towards	ADP
easat-7157	200	12	1310	1310	NUM
easat-7157	200	13	edelweiss	edelweiss	PROPN
easat-7157	200	14	applied	apply	VERB
easat-7157	200	15	science	science	NOUN
easat-7157	200	16	and	and	CCONJ
easat-7157	200	17	technology	technology	NOUN
easat-7157	200	18	issn	issn	PROPN
easat-7157	200	19	:	:	PUNCT
easat-7157	200	20	2576	2576	NUM
easat-7157	200	21	-	-	SYM
easat-7157	200	22	8484	8484	NUM
easat-7157	200	23	vol	vol	NOUN
easat-7157	200	24	.	.	PROPN
easat-7157	201	1	9	9	NUM
easat-7157	201	2	,	,	PUNCT
easat-7157	201	3	no	no	INTJ
easat-7157	201	4	.	.	NOUN
easat-7157	201	5	5	5	NUM
easat-7157	201	6	:	:	SYM
easat-7157	201	7	1302	1302	NUM
easat-7157	201	8	-	-	SYM
easat-7157	201	9	1323	1323	NUM
easat-7157	201	10	,	,	PUNCT
easat-7157	201	11	2025	2025	NUM
easat-7157	201	12	doi	doi	NOUN
easat-7157	201	13	:	:	PUNCT
easat-7157	201	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	201	15	©	©	ADP
easat-7157	201	16	2025	2025	NUM
easat-7157	201	17	by	by	ADP
easat-7157	201	18	the	the	DET
easat-7157	201	19	authors	author	NOUN
easat-7157	201	20	;	;	PUNCT
easat-7157	201	21	licensee	licensee	NOUN
easat-7157	201	22	learning	learning	NOUN
easat-7157	201	23	gate	gate	NOUN
easat-7157	201	24	digitalization	digitalization	NOUN
easat-7157	201	25	and	and	CCONJ
easat-7157	201	26	lowers	lower	VERB
easat-7157	201	27	operating	operating	NOUN
easat-7157	201	28	costs	cost	NOUN
easat-7157	201	29	by	by	ADP
easat-7157	201	30	having	have	VERB
easat-7157	201	31	chatbots	chatbot	NOUN
easat-7157	201	32	perform	perform	VERB
easat-7157	201	33	certain	certain	ADJ
easat-7157	201	34	tasks	task	NOUN
easat-7157	201	35	and	and	CCONJ
easat-7157	201	36	provide	provide	VERB
easat-7157	201	37	services	service	NOUN
easat-7157	201	38	to	to	ADP
easat-7157	201	39	all	all	DET
easat-7157	201	40	communities	community	NOUN
easat-7157	201	41	without	without	ADP
easat-7157	201	42	temporal	temporal	ADJ
easat-7157	201	43	or	or	CCONJ
easat-7157	201	44	spatial	spatial	ADJ
easat-7157	201	45	restrictions	restriction	NOUN
easat-7157	201	46	that	that	PRON
easat-7157	201	47	support	support	VERB
easat-7157	201	48	sustainability	sustainability	NOUN
easat-7157	201	49	.	.	PUNCT
easat-7157	202	1	businesses	business	NOUN
easat-7157	202	2	are	be	AUX
easat-7157	202	3	encouraged	encourage	VERB
easat-7157	202	4	to	to	PART
easat-7157	202	5	understand	understand	VERB
easat-7157	202	6	the	the	DET
easat-7157	202	7	positive	positive	ADJ
easat-7157	202	8	aspects	aspect	NOUN
easat-7157	202	9	of	of	ADP
easat-7157	202	10	improving	improve	VERB
easat-7157	202	11	operations	operation	NOUN
easat-7157	202	12	,	,	PUNCT
easat-7157	202	13	optimizing	optimize	VERB
easat-7157	202	14	profitability	profitability	NOUN
easat-7157	202	15	,	,	PUNCT
easat-7157	202	16	and	and	CCONJ
easat-7157	202	17	positive	positive	ADJ
easat-7157	202	18	impact	impact	NOUN
easat-7157	202	19	on	on	ADP
easat-7157	202	20	society	society	NOUN
easat-7157	202	21	through	through	ADP
easat-7157	202	22	the	the	DET
easat-7157	202	23	continuous	continuous	ADJ
easat-7157	202	24	advancement	advancement	NOUN
easat-7157	202	25	of	of	ADP
easat-7157	202	26	technology	technology	NOUN
easat-7157	202	27	[	[	X
easat-7157	202	28	39	39	NUM
easat-7157	202	29	]	]	PUNCT
easat-7157	202	30	.	.	PUNCT
easat-7157	203	1	the	the	DET
easat-7157	203	2	lack	lack	NOUN
easat-7157	203	3	of	of	ADP
easat-7157	203	4	technological	technological	ADJ
easat-7157	203	5	readiness	readiness	NOUN
easat-7157	203	6	has	have	AUX
easat-7157	203	7	hindered	hinder	VERB
easat-7157	203	8	the	the	DET
easat-7157	203	9	adoption	adoption	NOUN
easat-7157	203	10	process	process	NOUN
easat-7157	203	11	,	,	PUNCT
easat-7157	203	12	resulting	result	VERB
easat-7157	203	13	in	in	ADP
easat-7157	203	14	higher	high	ADJ
easat-7157	203	15	implementation	implementation	NOUN
easat-7157	203	16	costs	cost	NOUN
easat-7157	203	17	and	and	CCONJ
easat-7157	203	18	lower	low	ADJ
easat-7157	203	19	efficiency	efficiency	NOUN
easat-7157	203	20	in	in	ADP
easat-7157	203	21	utilizing	utilize	VERB
easat-7157	203	22	ai	ai	VERB
easat-7157	203	23	across	across	ADP
easat-7157	203	24	services	service	NOUN
easat-7157	203	25	and	and	CCONJ
easat-7157	203	26	operations	operation	NOUN
easat-7157	203	27	.	.	PUNCT
easat-7157	204	1	this	this	DET
easat-7157	204	2	challenge	challenge	NOUN
easat-7157	204	3	stems	stem	VERB
easat-7157	204	4	from	from	ADP
easat-7157	204	5	insufficient	insufficient	ADJ
easat-7157	204	6	experience	experience	NOUN
easat-7157	204	7	and	and	CCONJ
easat-7157	204	8	inadequate	inadequate	ADJ
easat-7157	204	9	preparation	preparation	NOUN
easat-7157	204	10	,	,	PUNCT
easat-7157	204	11	further	far	ADV
easat-7157	204	12	complicating	complicate	VERB
easat-7157	204	13	the	the	DET
easat-7157	204	14	adoption	adoption	NOUN
easat-7157	204	15	process	process	NOUN
easat-7157	204	16	.	.	PUNCT
easat-7157	205	1	since	since	SCONJ
easat-7157	205	2	1987	1987	NUM
easat-7157	205	3	,	,	PUNCT
easat-7157	205	4	technological	technological	ADJ
easat-7157	205	5	progress	progress	NOUN
easat-7157	205	6	has	have	AUX
easat-7157	205	7	led	lead	VERB
easat-7157	205	8	to	to	ADP
easat-7157	205	9	changes	change	NOUN
easat-7157	205	10	in	in	ADP
easat-7157	205	11	regulations	regulation	NOUN
easat-7157	205	12	and	and	CCONJ
easat-7157	205	13	safety	safety	NOUN
easat-7157	205	14	standards	standard	NOUN
easat-7157	205	15	to	to	PART
easat-7157	205	16	reduce	reduce	VERB
easat-7157	205	17	potential	potential	ADJ
easat-7157	205	18	dangers	danger	NOUN
easat-7157	205	19	and	and	CCONJ
easat-7157	205	20	obstacles	obstacle	NOUN
easat-7157	205	21	to	to	ADP
easat-7157	205	22	the	the	DET
easat-7157	205	23	effective	effective	ADJ
easat-7157	205	24	use	use	NOUN
easat-7157	205	25	of	of	ADP
easat-7157	205	26	new	new	ADJ
easat-7157	205	27	technologies	technology	NOUN
easat-7157	205	28	[	[	X
easat-7157	205	29	3	3	NUM
easat-7157	205	30	]	]	PUNCT
easat-7157	205	31	.	.	PUNCT
easat-7157	206	1	for	for	ADP
easat-7157	206	2	example	example	NOUN
easat-7157	206	3	,	,	PUNCT
easat-7157	206	4	cybersecurity	cybersecurity	NOUN
easat-7157	206	5	measures	measure	NOUN
easat-7157	206	6	have	have	AUX
easat-7157	206	7	been	be	AUX
easat-7157	206	8	enhanced	enhance	VERB
easat-7157	206	9	to	to	PART
easat-7157	206	10	protect	protect	VERB
easat-7157	206	11	privacy	privacy	NOUN
easat-7157	206	12	and	and	CCONJ
easat-7157	206	13	ensure	ensure	VERB
easat-7157	206	14	digital	digital	ADJ
easat-7157	206	15	transformation	transformation	NOUN
easat-7157	206	16	'	'	PUNCT
easat-7157	206	17	safety	safety	NOUN
easat-7157	206	18	,	,	PUNCT
easat-7157	206	19	thereby	thereby	ADV
easat-7157	206	20	improving	improve	VERB
easat-7157	206	21	technological	technological	ADJ
easat-7157	206	22	innovations	innovation	NOUN
easat-7157	206	23	'	'	PART
easat-7157	206	24	success	success	NOUN
easat-7157	206	25	rate	rate	NOUN
easat-7157	207	1	[	[	X
easat-7157	207	2	48	48	NUM
easat-7157	207	3	]	]	PUNCT
easat-7157	207	4	.	.	PUNCT
easat-7157	208	1	therefore	therefore	ADV
easat-7157	208	2	,	,	PUNCT
easat-7157	208	3	increasing	increase	VERB
easat-7157	208	4	safety	safety	NOUN
easat-7157	208	5	enhances	enhance	VERB
easat-7157	208	6	the	the	DET
easat-7157	208	7	adoption	adoption	NOUN
easat-7157	208	8	of	of	ADP
easat-7157	208	9	ai	ai	VERB
easat-7157	208	10	within	within	ADP
easat-7157	208	11	business	business	NOUN
easat-7157	208	12	sectors	sector	NOUN
easat-7157	208	13	,	,	PUNCT
easat-7157	208	14	leading	lead	VERB
easat-7157	208	15	to	to	ADP
easat-7157	208	16	improved	improve	VERB
easat-7157	208	17	business	business	NOUN
easat-7157	208	18	practices	practice	NOUN
easat-7157	208	19	,	,	PUNCT
easat-7157	208	20	financial	financial	ADJ
easat-7157	208	21	resources	resource	NOUN
easat-7157	208	22	,	,	PUNCT
easat-7157	208	23	and	and	CCONJ
easat-7157	208	24	sustainability	sustainability	NOUN
easat-7157	208	25	[	[	X
easat-7157	208	26	18	18	NUM
easat-7157	208	27	]	]	PUNCT
easat-7157	208	28	.	.	PUNCT
easat-7157	209	1	technological	technological	ADJ
easat-7157	209	2	readiness	readiness	NOUN
easat-7157	209	3	refers	refer	VERB
easat-7157	209	4	to	to	ADP
easat-7157	209	5	people	people	NOUN
easat-7157	209	6	accepting	accept	VERB
easat-7157	209	7	innovative	innovative	ADJ
easat-7157	209	8	technological	technological	ADJ
easat-7157	209	9	services	service	NOUN
easat-7157	209	10	[	[	X
easat-7157	209	11	49	49	NUM
easat-7157	209	12	]	]	PUNCT
easat-7157	209	13	.	.	PUNCT
easat-7157	210	1	it	it	PRON
easat-7157	210	2	has	have	AUX
easat-7157	210	3	been	be	AUX
easat-7157	210	4	argued	argue	VERB
easat-7157	210	5	that	that	SCONJ
easat-7157	210	6	technological	technological	ADJ
easat-7157	210	7	readiness	readiness	NOUN
easat-7157	210	8	is	be	AUX
easat-7157	210	9	not	not	PART
easat-7157	210	10	limited	limit	VERB
easat-7157	210	11	solely	solely	ADV
easat-7157	210	12	to	to	ADP
easat-7157	210	13	physical	physical	ADJ
easat-7157	210	14	technology	technology	NOUN
easat-7157	210	15	elements	element	NOUN
easat-7157	210	16	,	,	PUNCT
easat-7157	210	17	knowledge	knowledge	NOUN
easat-7157	210	18	,	,	PUNCT
easat-7157	210	19	and	and	CCONJ
easat-7157	210	20	skills	skill	NOUN
easat-7157	210	21	;	;	PUNCT
easat-7157	210	22	it	it	PRON
easat-7157	210	23	also	also	ADV
easat-7157	210	24	encompasses	encompass	VERB
easat-7157	210	25	customer	customer	NOUN
easat-7157	210	26	acceptance	acceptance	NOUN
easat-7157	210	27	of	of	ADP
easat-7157	210	28	technology	technology	NOUN
easat-7157	210	29	-	-	PUNCT
easat-7157	210	30	driven	drive	VERB
easat-7157	210	31	innovation	innovation	NOUN
easat-7157	210	32	.	.	PUNCT
easat-7157	211	1	according	accord	VERB
easat-7157	211	2	to	to	ADP
easat-7157	211	3	the	the	DET
easat-7157	211	4	literature	literature	NOUN
easat-7157	211	5	,	,	PUNCT
easat-7157	211	6	ai	ai	VERB
easat-7157	211	7	implementation	implementation	NOUN
easat-7157	211	8	enhances	enhance	VERB
easat-7157	211	9	the	the	DET
easat-7157	211	10	sustainability	sustainability	NOUN
easat-7157	211	11	of	of	ADP
easat-7157	211	12	goals	goal	NOUN
easat-7157	211	13	by	by	ADP
easat-7157	211	14	directing	direct	VERB
easat-7157	211	15	financial	financial	ADJ
easat-7157	211	16	organizations	organization	NOUN
easat-7157	211	17	to	to	PART
easat-7157	211	18	reform	reform	VERB
easat-7157	211	19	all	all	DET
easat-7157	211	20	available	available	ADJ
easat-7157	211	21	resources	resource	NOUN
easat-7157	211	22	to	to	PART
easat-7157	211	23	address	address	VERB
easat-7157	211	24	innovation	innovation	NOUN
easat-7157	211	25	challenges	challenge	NOUN
easat-7157	211	26	and	and	CCONJ
easat-7157	211	27	sustainability	sustainability	NOUN
easat-7157	211	28	[	[	X
easat-7157	211	29	21	21	NUM
easat-7157	211	30	,	,	PUNCT
easat-7157	211	31	49	49	NUM
easat-7157	211	32	,	,	PUNCT
easat-7157	211	33	50	50	NUM
easat-7157	211	34	]	]	PUNCT
easat-7157	211	35	.	.	PUNCT
easat-7157	212	1	4.3	4.3	NUM
easat-7157	212	2	.	.	PUNCT
easat-7157	213	1	organizational	organizational	ADJ
easat-7157	213	2	readiness	readiness	NOUN
easat-7157	213	3	organizational	organizational	ADJ
easat-7157	213	4	readiness	readiness	NOUN
easat-7157	213	5	refers	refer	VERB
easat-7157	213	6	to	to	ADP
easat-7157	213	7	an	an	DET
easat-7157	213	8	organization	organization	NOUN
easat-7157	213	9	’s	’s	PART
easat-7157	213	10	ability	ability	NOUN
easat-7157	213	11	to	to	PART
easat-7157	213	12	employ	employ	VERB
easat-7157	213	13	resources	resource	NOUN
easat-7157	213	14	to	to	PART
easat-7157	213	15	integrate	integrate	VERB
easat-7157	213	16	new	new	ADJ
easat-7157	213	17	ai	ai	NOUN
easat-7157	213	18	technologies	technology	NOUN
easat-7157	213	19	into	into	ADP
easat-7157	213	20	its	its	PRON
easat-7157	213	21	operations	operation	NOUN
easat-7157	213	22	.	.	PUNCT
easat-7157	214	1	organizational	organizational	ADJ
easat-7157	214	2	components	component	NOUN
easat-7157	214	3	,	,	PUNCT
easat-7157	214	4	such	such	ADJ
easat-7157	214	5	as	as	ADP
easat-7157	214	6	size	size	NOUN
easat-7157	214	7	,	,	PUNCT
easat-7157	214	8	financial	financial	ADJ
easat-7157	214	9	allocation	allocation	NOUN
easat-7157	214	10	,	,	PUNCT
easat-7157	214	11	employee	employee	NOUN
easat-7157	214	12	experience	experience	NOUN
easat-7157	214	13	,	,	PUNCT
easat-7157	214	14	leadership	leadership	NOUN
easat-7157	214	15	,	,	PUNCT
easat-7157	214	16	and	and	CCONJ
easat-7157	214	17	strategy	strategy	NOUN
easat-7157	214	18	,	,	PUNCT
easat-7157	214	19	play	play	VERB
easat-7157	214	20	crucial	crucial	ADJ
easat-7157	214	21	roles	role	NOUN
easat-7157	214	22	in	in	ADP
easat-7157	214	23	the	the	DET
easat-7157	214	24	ai	ai	PROPN
easat-7157	214	25	adoption	adoption	NOUN
easat-7157	214	26	process	process	NOUN
easat-7157	214	27	[	[	X
easat-7157	214	28	5	5	NUM
easat-7157	214	29	,	,	PUNCT
easat-7157	214	30	44	44	NUM
easat-7157	214	31	,	,	PUNCT
easat-7157	214	32	50	50	NUM
easat-7157	214	33	]	]	PUNCT
easat-7157	214	34	.	.	PUNCT
easat-7157	215	1	leaders	leader	NOUN
easat-7157	215	2	are	be	AUX
easat-7157	215	3	responsible	responsible	ADJ
easat-7157	215	4	for	for	ADP
easat-7157	215	5	modifying	modify	VERB
easat-7157	215	6	procedures	procedure	NOUN
easat-7157	215	7	,	,	PUNCT
easat-7157	215	8	allocating	allocate	VERB
easat-7157	215	9	funds	fund	NOUN
easat-7157	215	10	to	to	PART
easat-7157	215	11	integrate	integrate	VERB
easat-7157	215	12	new	new	ADJ
easat-7157	215	13	technology	technology	NOUN
easat-7157	215	14	into	into	ADP
easat-7157	215	15	an	an	DET
easat-7157	215	16	organization	organization	NOUN
easat-7157	215	17	’s	’s	PART
easat-7157	215	18	operations	operation	NOUN
easat-7157	215	19	,	,	PUNCT
easat-7157	215	20	and	and	CCONJ
easat-7157	215	21	instructing	instruct	VERB
easat-7157	215	22	staff	staff	NOUN
easat-7157	215	23	members	member	NOUN
easat-7157	215	24	on	on	ADP
easat-7157	215	25	how	how	SCONJ
easat-7157	215	26	to	to	PART
easat-7157	215	27	use	use	VERB
easat-7157	215	28	the	the	DET
easat-7157	215	29	technology	technology	NOUN
easat-7157	215	30	and	and	CCONJ
easat-7157	215	31	help	help	VERB
easat-7157	215	32	improve	improve	VERB
easat-7157	215	33	it	it	PRON
easat-7157	215	34	pai	pai	PROPN
easat-7157	215	35	and	and	CCONJ
easat-7157	215	36	chandra	chandra	PROPN
easat-7157	215	37	[	[	X
easat-7157	215	38	51	51	NUM
easat-7157	215	39	]	]	PUNCT
easat-7157	215	40	.	.	PUNCT
easat-7157	216	1	an	an	DET
easat-7157	216	2	organization	organization	NOUN
easat-7157	216	3	’s	’s	PART
easat-7157	216	4	willingness	willingness	NOUN
easat-7157	216	5	to	to	PART
easat-7157	216	6	utilize	utilize	VERB
easat-7157	216	7	its	its	PRON
easat-7157	216	8	tangible	tangible	ADJ
easat-7157	216	9	and	and	CCONJ
easat-7157	216	10	intangible	intangible	ADJ
easat-7157	216	11	assets	asset	NOUN
easat-7157	216	12	is	be	AUX
easat-7157	216	13	critical	critical	ADJ
easat-7157	216	14	for	for	ADP
easat-7157	216	15	successfully	successfully	ADV
easat-7157	216	16	implementing	implement	VERB
easat-7157	216	17	ai	ai	VERB
easat-7157	216	18	to	to	PART
easat-7157	216	19	find	find	VERB
easat-7157	216	20	competitive	competitive	ADJ
easat-7157	216	21	advantages	advantage	NOUN
easat-7157	216	22	that	that	PRON
easat-7157	216	23	enhance	enhance	VERB
easat-7157	216	24	business	business	NOUN
easat-7157	216	25	.	.	PUNCT
easat-7157	217	1	[	[	X
easat-7157	217	2	40	40	NUM
easat-7157	217	3	]	]	PUNCT
easat-7157	217	4	,	,	PUNCT
easat-7157	217	5	referred	refer	VERB
easat-7157	217	6	to	to	ADP
easat-7157	217	7	how	how	SCONJ
easat-7157	217	8	ai	ai	AUX
easat-7157	217	9	impacted	impact	VERB
easat-7157	217	10	society	society	NOUN
easat-7157	217	11	;	;	PUNCT
easat-7157	217	12	thus	thus	ADV
easat-7157	217	13	,	,	PUNCT
easat-7157	217	14	ai	ai	AUX
easat-7157	217	15	is	be	AUX
easat-7157	217	16	enhancing	enhance	VERB
easat-7157	217	17	new	new	ADJ
easat-7157	217	18	financial	financial	ADJ
easat-7157	217	19	channels	channel	NOUN
easat-7157	217	20	to	to	PART
easat-7157	217	21	deliver	deliver	VERB
easat-7157	217	22	services	service	NOUN
easat-7157	217	23	to	to	ADP
easat-7157	217	24	the	the	DET
easat-7157	217	25	community	community	NOUN
easat-7157	217	26	.	.	PUNCT
easat-7157	218	1	providing	provide	VERB
easat-7157	218	2	new	new	ADJ
easat-7157	218	3	financial	financial	ADJ
easat-7157	218	4	instruments	instrument	NOUN
easat-7157	218	5	at	at	ADP
easat-7157	218	6	low	low	ADJ
easat-7157	218	7	cost	cost	NOUN
easat-7157	218	8	is	be	AUX
easat-7157	218	9	essential	essential	ADJ
easat-7157	218	10	to	to	PART
easat-7157	218	11	support	support	VERB
easat-7157	218	12	society	society	NOUN
easat-7157	218	13	.	.	PUNCT
easat-7157	219	1	the	the	DET
easat-7157	219	2	successful	successful	ADJ
easat-7157	219	3	implementation	implementation	NOUN
easat-7157	219	4	of	of	ADP
easat-7157	219	5	ai	ai	NOUN
easat-7157	219	6	is	be	AUX
easat-7157	219	7	driven	drive	VERB
easat-7157	219	8	by	by	ADP
easat-7157	219	9	a	a	DET
easat-7157	219	10	firm	firm	NOUN
easat-7157	219	11	's	's	PART
easat-7157	219	12	internal	internal	ADJ
easat-7157	219	13	or	or	CCONJ
easat-7157	219	14	external	external	ADJ
easat-7157	219	15	resources	resource	NOUN
easat-7157	219	16	[	[	X
easat-7157	219	17	52	52	NUM
easat-7157	219	18	]	]	PUNCT
easat-7157	219	19	.	.	PUNCT
easat-7157	220	1	when	when	SCONJ
easat-7157	220	2	these	these	DET
easat-7157	220	3	resources	resource	NOUN
easat-7157	220	4	are	be	AUX
easat-7157	220	5	prepared	prepared	ADJ
easat-7157	220	6	to	to	PART
easat-7157	220	7	accept	accept	VERB
easat-7157	220	8	a	a	DET
easat-7157	220	9	new	new	ADJ
easat-7157	220	10	system	system	NOUN
easat-7157	220	11	,	,	PUNCT
easat-7157	220	12	the	the	DET
easat-7157	220	13	implementation	implementation	NOUN
easat-7157	220	14	of	of	ADP
easat-7157	220	15	innovation	innovation	NOUN
easat-7157	220	16	in	in	ADP
easat-7157	220	17	an	an	DET
easat-7157	220	18	organization	organization	NOUN
easat-7157	220	19	is	be	AUX
easat-7157	220	20	successful	successful	ADJ
easat-7157	220	21	[	[	X
easat-7157	220	22	5	5	NUM
easat-7157	220	23	]	]	PUNCT
easat-7157	220	24	.	.	PUNCT
easat-7157	221	1	however	however	ADV
easat-7157	221	2	,	,	PUNCT
easat-7157	221	3	when	when	SCONJ
easat-7157	221	4	an	an	DET
easat-7157	221	5	organization	organization	NOUN
easat-7157	221	6	is	be	AUX
easat-7157	221	7	unprepared	unprepared	ADJ
easat-7157	221	8	,	,	PUNCT
easat-7157	221	9	this	this	DET
easat-7157	221	10	lack	lack	NOUN
easat-7157	221	11	of	of	ADP
easat-7157	221	12	preparation	preparation	NOUN
easat-7157	221	13	is	be	AUX
easat-7157	221	14	a	a	DET
easat-7157	221	15	barrier	barrier	NOUN
easat-7157	221	16	to	to	ADP
easat-7157	221	17	adopting	adopt	VERB
easat-7157	221	18	technological	technological	ADJ
easat-7157	221	19	innovation	innovation	NOUN
easat-7157	221	20	.	.	PUNCT
easat-7157	222	1	furthermore	furthermore	ADV
easat-7157	222	2	,	,	PUNCT
easat-7157	222	3	organizations	organization	NOUN
easat-7157	222	4	have	have	AUX
easat-7157	222	5	not	not	PART
easat-7157	222	6	been	be	AUX
easat-7157	222	7	successful	successful	ADJ
easat-7157	222	8	in	in	ADP
easat-7157	222	9	addressing	address	VERB
easat-7157	222	10	environmental	environmental	ADJ
easat-7157	222	11	challenges	challenge	NOUN
easat-7157	222	12	.	.	PUNCT
easat-7157	223	1	one	one	NUM
easat-7157	223	2	factor	factor	NOUN
easat-7157	223	3	that	that	PRON
easat-7157	223	4	poses	pose	VERB
easat-7157	223	5	a	a	DET
easat-7157	223	6	challenge	challenge	NOUN
easat-7157	223	7	for	for	ADP
easat-7157	223	8	organizations	organization	NOUN
easat-7157	223	9	when	when	SCONJ
easat-7157	223	10	adopting	adopt	VERB
easat-7157	223	11	ai	ai	VERB
easat-7157	223	12	in	in	ADP
easat-7157	223	13	emerging	emerge	VERB
easat-7157	223	14	economies	economy	NOUN
easat-7157	223	15	is	be	AUX
easat-7157	223	16	organizational	organizational	ADJ
easat-7157	223	17	infrastructure	infrastructure	NOUN
easat-7157	223	18	,	,	PUNCT
easat-7157	223	19	as	as	SCONJ
easat-7157	223	20	there	there	PRON
easat-7157	223	21	is	be	VERB
easat-7157	223	22	often	often	ADV
easat-7157	223	23	a	a	DET
easat-7157	223	24	lack	lack	NOUN
easat-7157	223	25	of	of	ADP
easat-7157	223	26	available	available	ADJ
easat-7157	223	27	data	datum	NOUN
easat-7157	223	28	,	,	PUNCT
easat-7157	223	29	system	system	NOUN
easat-7157	223	30	techniques	technique	NOUN
easat-7157	223	31	,	,	PUNCT
easat-7157	223	32	and	and	CCONJ
easat-7157	223	33	resources	resource	NOUN
easat-7157	223	34	[	[	X
easat-7157	223	35	5	5	NUM
easat-7157	223	36	,	,	PUNCT
easat-7157	223	37	51	51	NUM
easat-7157	223	38	]	]	PUNCT
easat-7157	223	39	.	.	PUNCT
easat-7157	224	1	this	this	PRON
easat-7157	224	2	increases	increase	VERB
easat-7157	224	3	challenges	challenge	NOUN
easat-7157	224	4	,	,	PUNCT
easat-7157	224	5	including	include	VERB
easat-7157	224	6	the	the	DET
easat-7157	224	7	need	need	NOUN
easat-7157	224	8	for	for	ADP
easat-7157	224	9	extensive	extensive	ADJ
easat-7157	224	10	staff	staff	NOUN
easat-7157	224	11	training	training	NOUN
easat-7157	224	12	to	to	PART
easat-7157	224	13	understand	understand	VERB
easat-7157	224	14	the	the	DET
easat-7157	224	15	complete	complete	ADJ
easat-7157	224	16	tasks	task	NOUN
easat-7157	224	17	associated	associate	VERB
easat-7157	224	18	with	with	ADP
easat-7157	224	19	ai	ai	PRON
easat-7157	224	20	adoption	adoption	NOUN
easat-7157	224	21	[	[	X
easat-7157	224	22	53	53	NUM
easat-7157	224	23	]	]	PUNCT
easat-7157	224	24	.	.	PUNCT
easat-7157	225	1	hence	hence	ADV
easat-7157	225	2	,	,	PUNCT
easat-7157	225	3	organizational	organizational	ADJ
easat-7157	225	4	readiness	readiness	NOUN
easat-7157	225	5	enables	enable	VERB
easat-7157	225	6	organizations	organization	NOUN
easat-7157	225	7	to	to	PART
easat-7157	225	8	offer	offer	VERB
easat-7157	225	9	solutions	solution	NOUN
easat-7157	225	10	and	and	CCONJ
easat-7157	225	11	obtain	obtain	VERB
easat-7157	225	12	competitive	competitive	ADJ
easat-7157	225	13	advantages	advantage	NOUN
easat-7157	225	14	to	to	PART
easat-7157	225	15	enhance	enhance	VERB
easat-7157	225	16	profitability	profitability	NOUN
easat-7157	225	17	and	and	CCONJ
easat-7157	225	18	readiness	readiness	NOUN
easat-7157	225	19	to	to	PART
easat-7157	225	20	succeed	succeed	VERB
easat-7157	225	21	in	in	ADP
easat-7157	225	22	the	the	DET
easat-7157	225	23	future	future	ADJ
easat-7157	225	24	challenges	challenge	NOUN
easat-7157	225	25	that	that	PRON
easat-7157	225	26	threaten	threaten	VERB
easat-7157	225	27	existing	exist	VERB
easat-7157	225	28	products	product	NOUN
easat-7157	225	29	and	and	CCONJ
easat-7157	225	30	services	service	NOUN
easat-7157	225	31	[	[	X
easat-7157	225	32	21	21	NUM
easat-7157	225	33	]	]	PUNCT
easat-7157	225	34	.	.	PUNCT
easat-7157	226	1	therefore	therefore	ADV
easat-7157	226	2	,	,	PUNCT
easat-7157	226	3	digital	digital	ADJ
easat-7157	226	4	transformation	transformation	NOUN
easat-7157	226	5	significantly	significantly	ADV
easat-7157	226	6	affects	affect	VERB
easat-7157	226	7	financial	financial	ADJ
easat-7157	226	8	inclusion	inclusion	NOUN
easat-7157	226	9	.	.	PUNCT
easat-7157	227	1	despite	despite	SCONJ
easat-7157	227	2	the	the	DET
easat-7157	227	3	escalating	escalate	VERB
easat-7157	227	4	challenges	challenge	NOUN
easat-7157	227	5	of	of	ADP
easat-7157	227	6	ai	ai	ADJ
easat-7157	227	7	adoption	adoption	NOUN
easat-7157	227	8	today	today	NOUN
easat-7157	227	9	,	,	PUNCT
easat-7157	227	10	businesses	business	NOUN
easat-7157	227	11	face	face	VERB
easat-7157	227	12	fierce	fierce	ADJ
easat-7157	227	13	competition	competition	NOUN
easat-7157	227	14	and	and	CCONJ
easat-7157	227	15	ongoing	ongoing	ADJ
easat-7157	227	16	development	development	NOUN
easat-7157	227	17	owing	owe	VERB
easat-7157	227	18	to	to	ADP
easat-7157	227	19	technological	technological	ADJ
easat-7157	227	20	innovations	innovation	NOUN
easat-7157	227	21	and	and	CCONJ
easat-7157	227	22	growing	grow	VERB
easat-7157	227	23	leadership	leadership	NOUN
easat-7157	227	24	awareness	awareness	NOUN
easat-7157	227	25	regarding	regard	VERB
easat-7157	227	26	the	the	DET
easat-7157	227	27	importance	importance	NOUN
easat-7157	227	28	of	of	ADP
easat-7157	227	29	utilizing	utilize	VERB
easat-7157	227	30	these	these	DET
easat-7157	227	31	advancements	advancement	NOUN
easat-7157	227	32	in	in	ADP
easat-7157	227	33	operations	operation	NOUN
easat-7157	227	34	and	and	CCONJ
easat-7157	227	35	functions	function	NOUN
easat-7157	227	36	to	to	PART
easat-7157	227	37	improve	improve	VERB
easat-7157	227	38	quality	quality	NOUN
easat-7157	227	39	,	,	PUNCT
easat-7157	227	40	efficiency	efficiency	NOUN
easat-7157	227	41	,	,	PUNCT
easat-7157	227	42	and	and	CCONJ
easat-7157	227	43	sustainability	sustainability	NOUN
easat-7157	227	44	[	[	X
easat-7157	227	45	5	5	NUM
easat-7157	227	46	,	,	PUNCT
easat-7157	227	47	51	51	NUM
easat-7157	227	48	]	]	PUNCT
easat-7157	227	49	.	.	PUNCT
easat-7157	228	1	hence	hence	ADV
easat-7157	228	2	,	,	PUNCT
easat-7157	228	3	organizations	organization	NOUN
easat-7157	228	4	continuously	continuously	ADV
easat-7157	228	5	enhance	enhance	VERB
easat-7157	228	6	their	their	PRON
easat-7157	228	7	readiness	readiness	NOUN
easat-7157	228	8	to	to	PART
easat-7157	228	9	prepare	prepare	VERB
easat-7157	228	10	for	for	ADP
easat-7157	228	11	environmental	environmental	ADJ
easat-7157	228	12	changes	change	NOUN
easat-7157	228	13	threatening	threaten	VERB
easat-7157	228	14	their	their	PRON
easat-7157	228	15	profits	profit	NOUN
easat-7157	228	16	and	and	CCONJ
easat-7157	228	17	social	social	ADJ
easat-7157	228	18	impact	impact	NOUN
easat-7157	228	19	.	.	PUNCT
easat-7157	229	1	furthermore	furthermore	ADV
easat-7157	229	2	,	,	PUNCT
easat-7157	229	3	organizations	organization	NOUN
easat-7157	229	4	need	need	VERB
easat-7157	229	5	to	to	PART
easat-7157	229	6	improve	improve	VERB
easat-7157	229	7	their	their	PRON
easat-7157	229	8	reputation	reputation	NOUN
easat-7157	229	9	by	by	ADP
easat-7157	229	10	supporting	support	VERB
easat-7157	229	11	lower	low	ADJ
easat-7157	229	12	-	-	PUNCT
easat-7157	229	13	income	income	NOUN
easat-7157	229	14	levels	level	NOUN
easat-7157	229	15	based	base	VERB
easat-7157	229	16	on	on	ADP
easat-7157	229	17	capability	capability	NOUN
easat-7157	229	18	and	and	CCONJ
easat-7157	229	19	creating	create	VERB
easat-7157	229	20	new	new	ADJ
easat-7157	229	21	avenues	avenue	NOUN
easat-7157	229	22	.	.	PUNCT
easat-7157	230	1	given	give	VERB
easat-7157	230	2	the	the	DET
easat-7157	230	3	radical	radical	ADJ
easat-7157	230	4	changes	change	NOUN
easat-7157	230	5	in	in	ADP
easat-7157	230	6	the	the	DET
easat-7157	230	7	financial	financial	ADJ
easat-7157	230	8	landscape	landscape	NOUN
easat-7157	230	9	,	,	PUNCT
easat-7157	230	10	organizational	organizational	ADJ
easat-7157	230	11	readiness	readiness	NOUN
easat-7157	230	12	has	have	AUX
easat-7157	230	13	become	become	VERB
easat-7157	230	14	an	an	DET
easat-7157	230	15	important	important	ADJ
easat-7157	230	16	strategy	strategy	NOUN
easat-7157	230	17	[	[	X
easat-7157	230	18	54	54	NUM
easat-7157	230	19	]	]	PUNCT
easat-7157	230	20	.	.	PUNCT
easat-7157	231	1	by	by	ADP
easat-7157	231	2	improving	improve	VERB
easat-7157	231	3	business	business	NOUN
easat-7157	231	4	operations	operation	NOUN
easat-7157	231	5	and	and	CCONJ
easat-7157	231	6	preparedness	preparedness	NOUN
easat-7157	231	7	,	,	PUNCT
easat-7157	231	8	organizations	organization	NOUN
easat-7157	231	9	seek	seek	VERB
easat-7157	231	10	to	to	ADP
easat-7157	231	11	1311	1311	NUM
easat-7157	231	12	edelweiss	edelweiss	PROPN
easat-7157	231	13	applied	apply	VERB
easat-7157	231	14	science	science	NOUN
easat-7157	231	15	and	and	CCONJ
easat-7157	231	16	technology	technology	NOUN
easat-7157	231	17	issn	issn	PROPN
easat-7157	231	18	:	:	PUNCT
easat-7157	231	19	2576	2576	NUM
easat-7157	231	20	-	-	SYM
easat-7157	231	21	8484	8484	NUM
easat-7157	231	22	vol	vol	NOUN
easat-7157	231	23	.	.	PROPN
easat-7157	232	1	9	9	NUM
easat-7157	232	2	,	,	PUNCT
easat-7157	232	3	no	no	INTJ
easat-7157	232	4	.	.	NOUN
easat-7157	232	5	5	5	NUM
easat-7157	232	6	:	:	SYM
easat-7157	232	7	1302	1302	NUM
easat-7157	232	8	-	-	SYM
easat-7157	232	9	1323	1323	NUM
easat-7157	232	10	,	,	PUNCT
easat-7157	232	11	2025	2025	NUM
easat-7157	232	12	doi	doi	NOUN
easat-7157	232	13	:	:	PUNCT
easat-7157	232	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	232	15	©	©	ADP
easat-7157	232	16	2025	2025	NUM
easat-7157	232	17	by	by	ADP
easat-7157	232	18	the	the	DET
easat-7157	232	19	authors	author	NOUN
easat-7157	232	20	;	;	PUNCT
easat-7157	232	21	licensee	licensee	PROPN
easat-7157	232	22	learning	learning	NOUN
easat-7157	232	23	gate	gate	VERB
easat-7157	232	24	lower	low	ADJ
easat-7157	232	25	operating	operating	NOUN
easat-7157	232	26	expenses	expense	NOUN
easat-7157	232	27	while	while	SCONJ
easat-7157	232	28	empowering	empower	VERB
easat-7157	232	29	themselves	themselves	PRON
easat-7157	232	30	to	to	PART
easat-7157	232	31	use	use	VERB
easat-7157	232	32	their	their	PRON
easat-7157	232	33	resources	resource	NOUN
easat-7157	232	34	better	well	ADV
easat-7157	232	35	to	to	PART
easat-7157	232	36	explore	explore	VERB
easat-7157	232	37	more	more	ADV
easat-7157	232	38	varied	varied	ADJ
easat-7157	232	39	revenue	revenue	NOUN
easat-7157	232	40	streams	stream	NOUN
easat-7157	232	41	and	and	CCONJ
easat-7157	232	42	avenues	avenue	NOUN
easat-7157	232	43	for	for	ADP
easat-7157	232	44	resource	resource	NOUN
easat-7157	232	45	distribution	distribution	NOUN
easat-7157	232	46	to	to	ADP
easat-7157	232	47	all	all	DET
easat-7157	232	48	community	community	NOUN
easat-7157	232	49	groups	group	NOUN
easat-7157	232	50	[	[	X
easat-7157	232	51	21	21	NUM
easat-7157	232	52	,	,	PUNCT
easat-7157	232	53	55	55	NUM
easat-7157	232	54	]	]	PUNCT
easat-7157	232	55	.	.	PUNCT
easat-7157	233	1	the	the	DET
easat-7157	233	2	usefulness	usefulness	NOUN
easat-7157	233	3	of	of	ADP
easat-7157	233	4	ai	ai	VERB
easat-7157	233	5	in	in	ADP
easat-7157	233	6	enhancing	enhance	VERB
easat-7157	233	7	an	an	DET
easat-7157	233	8	organization	organization	NOUN
easat-7157	233	9	’s	’s	PART
easat-7157	233	10	strategy	strategy	NOUN
easat-7157	233	11	to	to	PART
easat-7157	233	12	help	help	VERB
easat-7157	233	13	it	it	PRON
easat-7157	233	14	recover	recover	VERB
easat-7157	233	15	its	its	PRON
easat-7157	233	16	resources	resource	NOUN
easat-7157	233	17	and	and	CCONJ
easat-7157	233	18	implement	implement	VERB
easat-7157	233	19	the	the	DET
easat-7157	233	20	strategy	strategy	NOUN
easat-7157	233	21	is	be	AUX
easat-7157	233	22	evident	evident	ADJ
easat-7157	233	23	[	[	X
easat-7157	233	24	20	20	NUM
easat-7157	233	25	]	]	PUNCT
easat-7157	233	26	.	.	PUNCT
easat-7157	234	1	additionally	additionally	ADV
easat-7157	234	2	,	,	PUNCT
easat-7157	234	3	needs	need	NOUN
easat-7157	234	4	and	and	CCONJ
easat-7157	234	5	values	value	NOUN
easat-7157	234	6	increase	increase	VERB
easat-7157	234	7	organizations	organization	NOUN
easat-7157	234	8	’	'	PUNCT
easat-7157	234	9	willingness	willingness	NOUN
easat-7157	234	10	to	to	PART
easat-7157	234	11	use	use	VERB
easat-7157	234	12	ai	ai	VERB
easat-7157	234	13	to	to	PART
easat-7157	234	14	enhance	enhance	VERB
easat-7157	234	15	financial	financial	ADJ
easat-7157	234	16	inclusion	inclusion	NOUN
easat-7157	234	17	.	.	PUNCT
easat-7157	235	1	therefore	therefore	ADV
easat-7157	235	2	,	,	PUNCT
easat-7157	235	3	based	base	VERB
easat-7157	235	4	on	on	ADP
easat-7157	235	5	leaders	leader	NOUN
easat-7157	235	6	’	’	PART
easat-7157	235	7	knowledge	knowledge	NOUN
easat-7157	235	8	and	and	CCONJ
easat-7157	235	9	experience	experience	NOUN
easat-7157	235	10	of	of	ADP
easat-7157	235	11	market	market	NOUN
easat-7157	235	12	needs	need	NOUN
easat-7157	235	13	and	and	CCONJ
easat-7157	235	14	the	the	DET
easat-7157	235	15	changing	change	VERB
easat-7157	235	16	business	business	NOUN
easat-7157	235	17	landscape	landscape	NOUN
easat-7157	235	18	,	,	PUNCT
easat-7157	235	19	leadership	leadership	NOUN
easat-7157	235	20	is	be	AUX
easat-7157	235	21	a	a	DET
easat-7157	235	22	significant	significant	ADJ
easat-7157	235	23	factor	factor	NOUN
easat-7157	235	24	in	in	ADP
easat-7157	235	25	organizational	organizational	ADJ
easat-7157	235	26	readiness	readiness	NOUN
easat-7157	235	27	to	to	PART
easat-7157	235	28	implement	implement	VERB
easat-7157	235	29	advancement	advancement	NOUN
easat-7157	235	30	of	of	ADP
easat-7157	235	31	tech	tech	NOUN
easat-7157	235	32	aimed	aim	VERB
easat-7157	235	33	at	at	ADP
easat-7157	235	34	achieving	achieve	VERB
easat-7157	235	35	sustainable	sustainable	ADJ
easat-7157	235	36	competitive	competitive	ADJ
easat-7157	235	37	advantages	advantage	NOUN
easat-7157	235	38	[	[	X
easat-7157	235	39	5	5	NUM
easat-7157	235	40	]	]	PUNCT
easat-7157	235	41	.	.	PUNCT
easat-7157	236	1	organizations	organization	NOUN
easat-7157	236	2	enhance	enhance	VERB
easat-7157	236	3	their	their	PRON
easat-7157	236	4	infrastructure	infrastructure	NOUN
easat-7157	236	5	by	by	ADP
easat-7157	236	6	adopting	adopt	VERB
easat-7157	236	7	ai	ai	VERB
easat-7157	236	8	to	to	PART
easat-7157	236	9	improve	improve	VERB
easat-7157	236	10	decision	decision	NOUN
easat-7157	236	11	-	-	PUNCT
easat-7157	236	12	making	make	VERB
easat-7157	236	13	and	and	CCONJ
easat-7157	236	14	utilizing	utilize	VERB
easat-7157	236	15	their	their	PRON
easat-7157	236	16	resources	resource	NOUN
easat-7157	236	17	to	to	PART
easat-7157	236	18	enhance	enhance	VERB
easat-7157	236	19	their	their	PRON
easat-7157	236	20	capabilities	capability	NOUN
easat-7157	236	21	,	,	PUNCT
easat-7157	236	22	thereby	thereby	ADV
easat-7157	236	23	gaining	gain	VERB
easat-7157	236	24	a	a	DET
easat-7157	236	25	competitive	competitive	ADJ
easat-7157	236	26	advantage	advantage	NOUN
easat-7157	236	27	by	by	ADP
easat-7157	236	28	improving	improve	VERB
easat-7157	236	29	their	their	PRON
easat-7157	236	30	image	image	NOUN
easat-7157	236	31	to	to	PART
easat-7157	236	32	serve	serve	VERB
easat-7157	236	33	society	society	NOUN
easat-7157	237	1	[	[	X
easat-7157	237	2	51	51	NUM
easat-7157	237	3	,	,	PUNCT
easat-7157	237	4	54	54	NUM
easat-7157	237	5	]	]	PUNCT
easat-7157	237	6	.	.	PUNCT
easat-7157	238	1	overall	overall	ADJ
easat-7157	238	2	,	,	PUNCT
easat-7157	238	3	organizational	organizational	ADJ
easat-7157	238	4	readiness	readiness	NOUN
easat-7157	238	5	enhances	enhance	VERB
easat-7157	238	6	financial	financial	ADJ
easat-7157	238	7	inclusion	inclusion	NOUN
easat-7157	238	8	by	by	ADP
easat-7157	238	9	enabling	enable	VERB
easat-7157	238	10	organizations	organization	NOUN
easat-7157	238	11	to	to	PART
easat-7157	238	12	implement	implement	VERB
easat-7157	238	13	ai	ai	VERB
easat-7157	238	14	to	to	PART
easat-7157	238	15	support	support	VERB
easat-7157	238	16	all	all	DET
easat-7157	238	17	segments	segment	NOUN
easat-7157	238	18	of	of	ADP
easat-7157	238	19	society	society	NOUN
easat-7157	238	20	.	.	PUNCT
easat-7157	239	1	4.4	4.4	NUM
easat-7157	239	2	.	.	PUNCT
easat-7157	240	1	social	social	ADJ
easat-7157	240	2	influence	influence	NOUN
easat-7157	240	3	the	the	DET
easat-7157	240	4	term	term	NOUN
easat-7157	240	5	‘	'	PUNCT
easat-7157	240	6	social	social	ADJ
easat-7157	240	7	influence	influence	NOUN
easat-7157	240	8	’	'	PUNCT
easat-7157	240	9	describes	describe	VERB
easat-7157	240	10	how	how	SCONJ
easat-7157	240	11	a	a	DET
easat-7157	240	12	person	person	NOUN
easat-7157	240	13	’s	’s	PART
easat-7157	240	14	social	social	ADJ
easat-7157	240	15	surroundings	surrounding	NOUN
easat-7157	240	16	,	,	PUNCT
easat-7157	240	17	such	such	ADJ
easat-7157	240	18	as	as	ADP
easat-7157	240	19	friends	friend	NOUN
easat-7157	240	20	,	,	PUNCT
easat-7157	240	21	family	family	NOUN
easat-7157	240	22	,	,	PUNCT
easat-7157	240	23	and	and	CCONJ
easat-7157	240	24	coworkers	coworker	NOUN
easat-7157	240	25	,	,	PUNCT
easat-7157	240	26	affect	affect	VERB
easat-7157	240	27	their	their	PRON
easat-7157	240	28	behaviour	behaviour	NOUN
easat-7157	240	29	,	,	PUNCT
easat-7157	240	30	which	which	PRON
easat-7157	240	31	is	be	AUX
easat-7157	240	32	affected	affect	VERB
easat-7157	240	33	by	by	ADP
easat-7157	240	34	trust	trust	NOUN
easat-7157	240	35	and	and	CCONJ
easat-7157	240	36	knowledge	knowledge	NOUN
easat-7157	240	37	[	[	X
easat-7157	240	38	7	7	NUM
easat-7157	240	39	,	,	PUNCT
easat-7157	240	40	56	56	NUM
easat-7157	240	41	,	,	PUNCT
easat-7157	240	42	57	57	NUM
easat-7157	240	43	]	]	PUNCT
easat-7157	240	44	.	.	PUNCT
easat-7157	241	1	the	the	DET
easat-7157	241	2	fundamental	fundamental	ADJ
easat-7157	241	3	tenet	tenet	NOUN
easat-7157	241	4	of	of	ADP
easat-7157	241	5	social	social	ADJ
easat-7157	241	6	influence	influence	NOUN
easat-7157	241	7	is	be	AUX
easat-7157	241	8	that	that	SCONJ
easat-7157	241	9	individuals	individual	NOUN
easat-7157	241	10	may	may	AUX
easat-7157	241	11	be	be	AUX
easat-7157	241	12	persuaded	persuade	VERB
easat-7157	241	13	to	to	PART
easat-7157	241	14	use	use	VERB
easat-7157	241	15	digitalization	digitalization	NOUN
easat-7157	241	16	services	service	NOUN
easat-7157	241	17	through	through	ADP
easat-7157	241	18	their	their	PRON
easat-7157	241	19	social	social	ADJ
easat-7157	241	20	networks	network	NOUN
easat-7157	241	21	to	to	PART
easat-7157	241	22	support	support	VERB
easat-7157	241	23	or	or	CCONJ
easat-7157	241	24	endorse	endorse	VERB
easat-7157	241	25	cutting	cutting	NOUN
easat-7157	241	26	-	-	PUNCT
easat-7157	241	27	edge	edge	NOUN
easat-7157	241	28	technology	technology	NOUN
easat-7157	241	29	services	service	NOUN
easat-7157	241	30	in	in	ADP
easat-7157	241	31	society	society	NOUN
easat-7157	241	32	[	[	X
easat-7157	241	33	6	6	NUM
easat-7157	241	34	]	]	PUNCT
easat-7157	241	35	.	.	PUNCT
easat-7157	242	1	additionally	additionally	ADV
easat-7157	242	2	,	,	PUNCT
easat-7157	242	3	it	it	PRON
easat-7157	242	4	relates	relate	VERB
easat-7157	242	5	to	to	ADP
easat-7157	242	6	how	how	SCONJ
easat-7157	242	7	consumers	consumer	NOUN
easat-7157	242	8	behave	behave	VERB
easat-7157	242	9	individually	individually	ADV
easat-7157	242	10	towards	towards	ADP
easat-7157	242	11	financial	financial	ADJ
easat-7157	242	12	tech	tech	NOUN
easat-7157	242	13	advancement	advancement	NOUN
easat-7157	242	14	and	and	CCONJ
easat-7157	242	15	how	how	SCONJ
easat-7157	242	16	satisfied	satisfied	ADJ
easat-7157	242	17	they	they	PRON
easat-7157	242	18	are	be	AUX
easat-7157	242	19	with	with	ADP
easat-7157	242	20	the	the	DET
easat-7157	242	21	adoption	adoption	NOUN
easat-7157	242	22	of	of	ADP
easat-7157	242	23	ai	ai	NOUN
easat-7157	242	24	,	,	PUNCT
easat-7157	242	25	which	which	PRON
easat-7157	242	26	significantly	significantly	ADV
easat-7157	242	27	impacts	impact	VERB
easat-7157	242	28	an	an	DET
easat-7157	242	29	organization	organization	NOUN
easat-7157	242	30	’s	’s	PART
easat-7157	242	31	decision	decision	NOUN
easat-7157	242	32	to	to	PART
easat-7157	242	33	implement	implement	VERB
easat-7157	242	34	new	new	ADJ
easat-7157	242	35	technology	technology	NOUN
easat-7157	243	1	[	[	X
easat-7157	243	2	58	58	NUM
easat-7157	243	3	]	]	PUNCT
easat-7157	243	4	.	.	PUNCT
easat-7157	244	1	society	society	NOUN
easat-7157	244	2	is	be	AUX
easat-7157	244	3	one	one	NUM
easat-7157	244	4	of	of	ADP
easat-7157	244	5	the	the	DET
easat-7157	244	6	most	most	ADV
easat-7157	244	7	important	important	ADJ
easat-7157	244	8	aspects	aspect	NOUN
easat-7157	244	9	that	that	SCONJ
easat-7157	244	10	organizations	organization	NOUN
easat-7157	244	11	should	should	AUX
easat-7157	244	12	consider	consider	VERB
easat-7157	244	13	when	when	SCONJ
easat-7157	244	14	meeting	meet	VERB
easat-7157	244	15	their	their	PRON
easat-7157	244	16	customers	customer	NOUN
easat-7157	244	17	'	'	PART
easat-7157	244	18	basic	basic	ADJ
easat-7157	244	19	needs	need	NOUN
easat-7157	244	20	and	and	CCONJ
easat-7157	244	21	desires	desire	NOUN
easat-7157	244	22	because	because	SCONJ
easat-7157	244	23	they	they	PRON
easat-7157	244	24	can	can	AUX
easat-7157	244	25	be	be	AUX
easat-7157	244	26	barriers	barrier	NOUN
easat-7157	244	27	to	to	ADP
easat-7157	244	28	adoption	adoption	NOUN
easat-7157	244	29	cubric	cubric	ADV
easat-7157	244	30	[	[	X
easat-7157	244	31	56	56	NUM
easat-7157	244	32	]	]	SYM
easat-7157	244	33	.	.	PUNCT
easat-7157	245	1	gursoy	gursoy	ADJ
easat-7157	245	2	,	,	PUNCT
easat-7157	245	3	et	et	PROPN
easat-7157	245	4	al	al	PROPN
easat-7157	245	5	.	.	PUNCT
easat-7157	246	1	[	[	X
easat-7157	246	2	57	57	NUM
easat-7157	246	3	]	]	PUNCT
easat-7157	246	4	highlighted	highlight	VERB
easat-7157	246	5	that	that	SCONJ
easat-7157	246	6	an	an	DET
easat-7157	246	7	organization	organization	NOUN
easat-7157	246	8	’s	’s	PART
easat-7157	246	9	capacity	capacity	NOUN
easat-7157	246	10	to	to	PART
easat-7157	246	11	address	address	VERB
easat-7157	246	12	the	the	DET
easat-7157	246	13	basic	basic	ADJ
easat-7157	246	14	needs	need	NOUN
easat-7157	246	15	of	of	ADP
easat-7157	246	16	society	society	NOUN
easat-7157	246	17	through	through	ADP
easat-7157	246	18	integrating	integrate	VERB
easat-7157	246	19	technology	technology	NOUN
easat-7157	246	20	into	into	ADP
easat-7157	246	21	its	its	PRON
easat-7157	246	22	services	service	NOUN
easat-7157	246	23	and	and	CCONJ
easat-7157	246	24	goods	good	NOUN
easat-7157	246	25	is	be	AUX
easat-7157	246	26	a	a	DET
easat-7157	246	27	key	key	ADJ
easat-7157	246	28	component	component	NOUN
easat-7157	246	29	in	in	ADP
easat-7157	246	30	its	its	PRON
easat-7157	246	31	success	success	NOUN
easat-7157	246	32	in	in	ADP
easat-7157	246	33	satisfying	satisfy	VERB
easat-7157	246	34	consumers	consumer	NOUN
easat-7157	246	35	.	.	PUNCT
easat-7157	247	1	social	social	ADJ
easat-7157	247	2	influence	influence	NOUN
easat-7157	247	3	refers	refer	VERB
easat-7157	247	4	to	to	ADP
easat-7157	247	5	the	the	DET
easat-7157	247	6	advantages	advantage	NOUN
easat-7157	247	7	people	people	NOUN
easat-7157	247	8	expect	expect	VERB
easat-7157	247	9	from	from	ADP
easat-7157	247	10	adopting	adopt	VERB
easat-7157	247	11	new	new	ADJ
easat-7157	247	12	fintech	fintech	NOUN
easat-7157	247	13	,	,	PUNCT
easat-7157	247	14	which	which	PRON
easat-7157	247	15	creates	create	VERB
easat-7157	247	16	value	value	NOUN
easat-7157	247	17	for	for	ADP
easat-7157	247	18	consumption	consumption	NOUN
easat-7157	247	19	[	[	X
easat-7157	247	20	6	6	NUM
easat-7157	247	21	]	]	PUNCT
easat-7157	247	22	.	.	PUNCT
easat-7157	248	1	moreover	moreover	ADV
easat-7157	248	2	,	,	PUNCT
easat-7157	248	3	customers	customer	NOUN
easat-7157	248	4	trust	trust	VERB
easat-7157	248	5	technology	technology	NOUN
easat-7157	248	6	that	that	PRON
easat-7157	248	7	enhances	enhance	VERB
easat-7157	248	8	their	their	PRON
easat-7157	248	9	expectations	expectation	NOUN
easat-7157	248	10	and	and	CCONJ
easat-7157	248	11	simplifies	simplify	VERB
easat-7157	248	12	the	the	DET
easat-7157	248	13	use	use	NOUN
easat-7157	248	14	of	of	ADP
easat-7157	248	15	services	service	NOUN
easat-7157	248	16	or	or	CCONJ
easat-7157	248	17	products	product	NOUN
easat-7157	248	18	in	in	ADP
easat-7157	248	19	their	their	PRON
easat-7157	248	20	final	final	ADJ
easat-7157	248	21	consumption	consumption	NOUN
easat-7157	249	1	[	[	X
easat-7157	249	2	56	56	NUM
easat-7157	249	3	]	]	PUNCT
easat-7157	249	4	.	.	PUNCT
easat-7157	250	1	therefore	therefore	ADV
easat-7157	250	2	,	,	PUNCT
easat-7157	250	3	ai	ai	AUX
easat-7157	250	4	enhances	enhance	NOUN
easat-7157	250	5	services	service	NOUN
easat-7157	250	6	to	to	PART
easat-7157	250	7	increase	increase	VERB
easat-7157	250	8	customer	customer	NOUN
easat-7157	250	9	satisfaction	satisfaction	NOUN
easat-7157	250	10	and	and	CCONJ
easat-7157	250	11	improve	improve	VERB
easat-7157	250	12	customer	customer	NOUN
easat-7157	250	13	experience	experience	NOUN
easat-7157	250	14	[	[	X
easat-7157	250	15	13	13	NUM
easat-7157	250	16	,	,	PUNCT
easat-7157	250	17	14	14	NUM
easat-7157	250	18	]	]	PUNCT
easat-7157	250	19	.	.	PUNCT
easat-7157	251	1	disruptive	disruptive	ADJ
easat-7157	251	2	ai	ai	PROPN
easat-7157	251	3	innovation	innovation	NOUN
easat-7157	251	4	offers	offer	VERB
easat-7157	251	5	new	new	ADJ
easat-7157	251	6	technology	technology	NOUN
easat-7157	251	7	and	and	CCONJ
easat-7157	251	8	digital	digital	ADJ
easat-7157	251	9	solutions	solution	NOUN
easat-7157	251	10	that	that	PRON
easat-7157	251	11	will	will	AUX
easat-7157	251	12	enhance	enhance	VERB
easat-7157	251	13	financial	financial	ADJ
easat-7157	251	14	inclusion	inclusion	NOUN
easat-7157	251	15	by	by	ADP
easat-7157	251	16	providing	provide	VERB
easat-7157	251	17	low	low	ADJ
easat-7157	251	18	-	-	PUNCT
easat-7157	251	19	cost	cost	NOUN
easat-7157	251	20	services	service	NOUN
easat-7157	251	21	and	and	CCONJ
easat-7157	251	22	new	new	ADJ
easat-7157	251	23	economic	economic	ADJ
easat-7157	251	24	models	model	NOUN
easat-7157	251	25	,	,	PUNCT
easat-7157	251	26	such	such	ADJ
easat-7157	251	27	as	as	ADP
easat-7157	251	28	fintech	fintech	NOUN
easat-7157	251	29	startups	startup	NOUN
easat-7157	251	30	that	that	PRON
easat-7157	251	31	support	support	VERB
easat-7157	251	32	individuals	individual	NOUN
easat-7157	251	33	unable	unable	ADJ
easat-7157	251	34	to	to	PART
easat-7157	251	35	access	access	VERB
easat-7157	251	36	bank	bank	NOUN
easat-7157	251	37	financial	financial	ADJ
easat-7157	251	38	services	service	NOUN
easat-7157	252	1	[	[	X
easat-7157	252	2	16	16	NUM
easat-7157	252	3	,	,	PUNCT
easat-7157	252	4	59	59	NUM
easat-7157	252	5	]	]	PUNCT
easat-7157	252	6	.	.	PUNCT
easat-7157	253	1	thus	thus	ADV
easat-7157	253	2	,	,	PUNCT
easat-7157	253	3	ai	ai	AUX
easat-7157	253	4	enhances	enhance	NOUN
easat-7157	253	5	personalized	personalized	ADJ
easat-7157	253	6	services	service	NOUN
easat-7157	253	7	,	,	PUNCT
easat-7157	253	8	provides	provide	VERB
easat-7157	253	9	easy	easy	ADJ
easat-7157	253	10	access	access	NOUN
easat-7157	253	11	to	to	ADP
easat-7157	253	12	economic	economic	ADJ
easat-7157	253	13	goods	good	NOUN
easat-7157	253	14	,	,	PUNCT
easat-7157	253	15	and	and	CCONJ
easat-7157	253	16	facilitates	facilitate	VERB
easat-7157	253	17	smooth	smooth	ADJ
easat-7157	253	18	interaction	interaction	NOUN
easat-7157	253	19	via	via	ADP
easat-7157	253	20	online	online	ADJ
easat-7157	253	21	and	and	CCONJ
easat-7157	253	22	mobile	mobile	ADJ
easat-7157	253	23	platforms	platform	NOUN
easat-7157	253	24	.	.	PUNCT
easat-7157	254	1	consequently	consequently	ADV
easat-7157	254	2	,	,	PUNCT
easat-7157	254	3	client	client	NOUN
easat-7157	254	4	loyalty	loyalty	NOUN
easat-7157	254	5	increases	increase	NOUN
easat-7157	254	6	when	when	SCONJ
easat-7157	254	7	banks	bank	NOUN
easat-7157	254	8	offer	offer	VERB
easat-7157	254	9	their	their	PRON
easat-7157	254	10	clients	client	NOUN
easat-7157	254	11	more	more	ADJ
easat-7157	254	12	access	access	NOUN
easat-7157	254	13	to	to	ADP
easat-7157	254	14	digital	digital	ADJ
easat-7157	254	15	services	service	NOUN
easat-7157	254	16	that	that	PRON
easat-7157	254	17	serve	serve	VERB
easat-7157	254	18	all	all	DET
easat-7157	254	19	segments	segment	NOUN
easat-7157	254	20	of	of	ADP
easat-7157	254	21	society	society	NOUN
easat-7157	254	22	.	.	PUNCT
easat-7157	255	1	additionally	additionally	ADV
easat-7157	255	2	,	,	PUNCT
easat-7157	255	3	the	the	DET
easat-7157	255	4	process	process	NOUN
easat-7157	255	5	automation	automation	NOUN
easat-7157	255	6	brought	bring	VERB
easat-7157	255	7	forth	forth	ADP
easat-7157	255	8	by	by	ADP
easat-7157	255	9	ai	ai	PROPN
easat-7157	255	10	innovation	innovation	NOUN
easat-7157	255	11	increases	increase	VERB
easat-7157	255	12	the	the	DET
easat-7157	255	13	effectiveness	effectiveness	NOUN
easat-7157	255	14	of	of	ADP
easat-7157	255	15	banking	banking	NOUN
easat-7157	255	16	operations	operation	NOUN
easat-7157	255	17	and	and	CCONJ
easat-7157	255	18	produces	produce	VERB
easat-7157	255	19	reliable	reliable	ADJ
easat-7157	255	20	data	datum	NOUN
easat-7157	255	21	analysis	analysis	NOUN
easat-7157	255	22	[	[	X
easat-7157	255	23	14	14	NUM
easat-7157	255	24	,	,	PUNCT
easat-7157	255	25	20	20	NUM
easat-7157	255	26	]	]	PUNCT
easat-7157	255	27	.	.	PUNCT
easat-7157	256	1	some	some	DET
easat-7157	256	2	studies	study	NOUN
easat-7157	256	3	indicate	indicate	VERB
easat-7157	256	4	that	that	SCONJ
easat-7157	256	5	social	social	ADJ
easat-7157	256	6	influence	influence	NOUN
easat-7157	256	7	is	be	AUX
easat-7157	256	8	an	an	DET
easat-7157	256	9	important	important	ADJ
easat-7157	256	10	aspect	aspect	NOUN
easat-7157	256	11	that	that	PRON
easat-7157	256	12	organizations	organization	NOUN
easat-7157	256	13	consider	consider	VERB
easat-7157	256	14	when	when	SCONJ
easat-7157	256	15	adopting	adopt	VERB
easat-7157	256	16	ai	ai	VERB
easat-7157	256	17	because	because	SCONJ
easat-7157	256	18	it	it	PRON
easat-7157	256	19	provides	provide	VERB
easat-7157	256	20	an	an	DET
easat-7157	256	21	index	index	NOUN
easat-7157	256	22	of	of	ADP
easat-7157	256	23	the	the	DET
easat-7157	256	24	importance	importance	NOUN
easat-7157	256	25	of	of	ADP
easat-7157	256	26	customer	customer	NOUN
easat-7157	256	27	demand	demand	NOUN
easat-7157	256	28	for	for	ADP
easat-7157	256	29	technology	technology	NOUN
easat-7157	256	30	[	[	X
easat-7157	256	31	6	6	NUM
easat-7157	256	32	,	,	PUNCT
easat-7157	256	33	7	7	NUM
easat-7157	256	34	,	,	PUNCT
easat-7157	256	35	14	14	NUM
easat-7157	256	36	]	]	PUNCT
easat-7157	256	37	.	.	PUNCT
easat-7157	257	1	integrating	integrate	VERB
easat-7157	257	2	ai	ai	VERB
easat-7157	257	3	in	in	ADP
easat-7157	257	4	banking	banking	NOUN
easat-7157	257	5	adds	add	VERB
easat-7157	257	6	value	value	NOUN
easat-7157	257	7	by	by	ADP
easat-7157	257	8	augmenting	augment	VERB
easat-7157	257	9	client	client	NOUN
easat-7157	257	10	experience	experience	NOUN
easat-7157	257	11	,	,	PUNCT
easat-7157	257	12	increasing	increase	VERB
easat-7157	257	13	operational	operational	ADJ
easat-7157	257	14	effectiveness	effectiveness	NOUN
easat-7157	257	15	through	through	ADP
easat-7157	257	16	automation	automation	NOUN
easat-7157	257	17	and	and	CCONJ
easat-7157	257	18	data	datum	NOUN
easat-7157	257	19	analysis	analysis	NOUN
easat-7157	257	20	,	,	PUNCT
easat-7157	257	21	and	and	CCONJ
easat-7157	257	22	cultivating	cultivate	VERB
easat-7157	257	23	a	a	DET
easat-7157	257	24	fintech	fintech	NOUN
easat-7157	257	25	environment	environment	NOUN
easat-7157	257	26	[	[	X
easat-7157	257	27	20	20	NUM
easat-7157	257	28	]	]	PUNCT
easat-7157	257	29	.	.	PUNCT
easat-7157	258	1	additionally	additionally	ADV
easat-7157	258	2	,	,	PUNCT
easat-7157	258	3	it	it	PRON
easat-7157	258	4	offers	offer	VERB
easat-7157	258	5	intangible	intangible	ADJ
easat-7157	258	6	financial	financial	ADJ
easat-7157	258	7	gains	gain	NOUN
easat-7157	258	8	by	by	ADP
easat-7157	258	9	improving	improve	VERB
easat-7157	258	10	the	the	DET
easat-7157	258	11	client	client	NOUN
easat-7157	258	12	base	base	NOUN
easat-7157	258	13	and	and	CCONJ
easat-7157	258	14	the	the	DET
easat-7157	258	15	organization	organization	NOUN
easat-7157	258	16	’s	’s	PART
easat-7157	258	17	reputation	reputation	NOUN
easat-7157	258	18	,	,	PUNCT
easat-7157	258	19	making	make	VERB
easat-7157	258	20	social	social	ADJ
easat-7157	258	21	influence	influence	NOUN
easat-7157	258	22	one	one	NUM
easat-7157	258	23	of	of	ADP
easat-7157	258	24	the	the	DET
easat-7157	258	25	main	main	ADJ
easat-7157	258	26	forces	force	NOUN
easat-7157	258	27	driving	drive	VERB
easat-7157	258	28	technological	technological	ADJ
easat-7157	258	29	advancement	advancement	NOUN
easat-7157	258	30	.	.	PUNCT
easat-7157	259	1	social	social	ADJ
easat-7157	259	2	aspects	aspect	NOUN
easat-7157	259	3	influence	influence	NOUN
easat-7157	259	4	businesses	business	NOUN
easat-7157	259	5	to	to	PART
easat-7157	259	6	adapt	adapt	VERB
easat-7157	259	7	to	to	ADP
easat-7157	259	8	emerging	emerge	VERB
easat-7157	259	9	needs	need	NOUN
easat-7157	259	10	;	;	PUNCT
easat-7157	259	11	otherwise	otherwise	ADV
easat-7157	259	12	,	,	PUNCT
easat-7157	259	13	market	market	NOUN
easat-7157	259	14	gaps	gap	NOUN
easat-7157	259	15	and	and	CCONJ
easat-7157	259	16	opportunities	opportunity	NOUN
easat-7157	259	17	may	may	AUX
easat-7157	259	18	arise	arise	VERB
easat-7157	259	19	[	[	X
easat-7157	259	20	60	60	NUM
easat-7157	259	21	]	]	PUNCT
easat-7157	259	22	.	.	PUNCT
easat-7157	260	1	consequently	consequently	ADV
easat-7157	260	2	,	,	PUNCT
easat-7157	260	3	organizations	organization	NOUN
easat-7157	260	4	adopt	adopt	VERB
easat-7157	260	5	ai	ai	VERB
easat-7157	260	6	innovations	innovation	NOUN
easat-7157	260	7	to	to	PART
easat-7157	260	8	update	update	VERB
easat-7157	260	9	their	their	PRON
easat-7157	260	10	service	service	NOUN
easat-7157	260	11	channels	channel	NOUN
easat-7157	260	12	and	and	CCONJ
easat-7157	260	13	develop	develop	VERB
easat-7157	260	14	sophisticated	sophisticated	ADJ
easat-7157	260	15	technological	technological	ADJ
easat-7157	260	16	solutions	solution	NOUN
easat-7157	260	17	to	to	PART
easat-7157	260	18	implement	implement	VERB
easat-7157	260	19	their	their	PRON
easat-7157	260	20	services	service	NOUN
easat-7157	260	21	to	to	PART
easat-7157	260	22	break	break	VERB
easat-7157	260	23	the	the	DET
easat-7157	260	24	barrier	barrier	NOUN
easat-7157	260	25	of	of	ADP
easat-7157	260	26	geographical	geographical	ADJ
easat-7157	260	27	boundaries	boundary	NOUN
easat-7157	260	28	[	[	X
easat-7157	260	29	59	59	NUM
easat-7157	260	30	]	]	PUNCT
easat-7157	260	31	.	.	PUNCT
easat-7157	261	1	further	far	ADV
easat-7157	261	2	,	,	PUNCT
easat-7157	261	3	social	social	ADJ
easat-7157	261	4	acceptance	acceptance	NOUN
easat-7157	261	5	of	of	ADP
easat-7157	261	6	technological	technological	ADJ
easat-7157	261	7	innovation	innovation	NOUN
easat-7157	261	8	occurs	occur	VERB
easat-7157	261	9	when	when	SCONJ
easat-7157	261	10	trust	trust	NOUN
easat-7157	261	11	is	be	AUX
easat-7157	261	12	established	establish	VERB
easat-7157	261	13	,	,	PUNCT
easat-7157	261	14	motivating	motivate	VERB
easat-7157	261	15	financial	financial	ADJ
easat-7157	261	16	organisations	organisation	NOUN
easat-7157	261	17	to	to	PART
easat-7157	261	18	use	use	VERB
easat-7157	261	19	ai	ai	ADJ
easat-7157	261	20	products	product	NOUN
easat-7157	261	21	and	and	CCONJ
easat-7157	261	22	services	service	NOUN
easat-7157	261	23	to	to	PART
easat-7157	261	24	leverage	leverage	VERB
easat-7157	261	25	ai	ai	VERB
easat-7157	261	26	innovations	innovation	NOUN
easat-7157	261	27	to	to	PART
easat-7157	261	28	enhance	enhance	VERB
easat-7157	261	29	financial	financial	ADJ
easat-7157	261	30	inclusion	inclusion	NOUN
easat-7157	261	31	[	[	X
easat-7157	261	32	56	56	NUM
easat-7157	261	33	]	]	PUNCT
easat-7157	261	34	.	.	PUNCT
easat-7157	262	1	1312	1312	NUM
easat-7157	262	2	edelweiss	edelweiss	PROPN
easat-7157	262	3	applied	apply	VERB
easat-7157	262	4	science	science	NOUN
easat-7157	262	5	and	and	CCONJ
easat-7157	262	6	technology	technology	NOUN
easat-7157	262	7	issn	issn	PROPN
easat-7157	262	8	:	:	PUNCT
easat-7157	262	9	2576	2576	NUM
easat-7157	262	10	-	-	SYM
easat-7157	262	11	8484	8484	NUM
easat-7157	262	12	vol	vol	NOUN
easat-7157	262	13	.	.	PROPN
easat-7157	263	1	9	9	NUM
easat-7157	263	2	,	,	PUNCT
easat-7157	263	3	no	no	INTJ
easat-7157	263	4	.	.	NOUN
easat-7157	263	5	5	5	NUM
easat-7157	263	6	:	:	SYM
easat-7157	263	7	1302	1302	NUM
easat-7157	263	8	-	-	SYM
easat-7157	263	9	1323	1323	NUM
easat-7157	263	10	,	,	PUNCT
easat-7157	263	11	2025	2025	NUM
easat-7157	263	12	doi	doi	NOUN
easat-7157	263	13	:	:	PUNCT
easat-7157	263	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	263	15	©	©	ADP
easat-7157	263	16	2025	2025	NUM
easat-7157	263	17	by	by	ADP
easat-7157	263	18	the	the	DET
easat-7157	263	19	authors	author	NOUN
easat-7157	263	20	;	;	PUNCT
easat-7157	263	21	licensee	licensee	PROPN
easat-7157	263	22	learning	learning	NOUN
easat-7157	263	23	gate	gate	NOUN
easat-7157	263	24	4.5	4.5	NUM
easat-7157	263	25	.	.	PUNCT
easat-7157	264	1	ethical	ethical	ADJ
easat-7157	264	2	considerations	consideration	NOUN
easat-7157	264	3	ethical	ethical	ADJ
easat-7157	264	4	standards	standard	NOUN
easat-7157	264	5	translate	translate	VERB
easat-7157	264	6	foundational	foundational	ADJ
easat-7157	264	7	ethical	ethical	ADJ
easat-7157	264	8	principles	principle	NOUN
easat-7157	264	9	into	into	ADP
easat-7157	264	10	actionable	actionable	ADJ
easat-7157	264	11	guidelines	guideline	NOUN
easat-7157	264	12	tailored	tailor	VERB
easat-7157	264	13	to	to	PART
easat-7157	264	14	ai	ai	VERB
easat-7157	264	15	systems	system	NOUN
easat-7157	264	16	[	[	X
easat-7157	264	17	61	61	NUM
easat-7157	264	18	]	]	PUNCT
easat-7157	264	19	.	.	PUNCT
easat-7157	265	1	these	these	DET
easat-7157	265	2	standards	standard	NOUN
easat-7157	265	3	align	align	VERB
easat-7157	265	4	ai	ai	VERB
easat-7157	265	5	implementation	implementation	NOUN
easat-7157	265	6	with	with	ADP
easat-7157	265	7	governance	governance	NOUN
easat-7157	265	8	frameworks	framework	NOUN
easat-7157	265	9	and	and	CCONJ
easat-7157	265	10	regulatory	regulatory	ADJ
easat-7157	265	11	roles	role	NOUN
easat-7157	265	12	,	,	PUNCT
easat-7157	265	13	thereby	thereby	ADV
easat-7157	265	14	enhancing	enhance	VERB
easat-7157	265	15	the	the	DET
easat-7157	265	16	financial	financial	ADJ
easat-7157	265	17	sector	sector	NOUN
easat-7157	265	18	and	and	CCONJ
easat-7157	265	19	promoting	promote	VERB
easat-7157	265	20	financial	financial	ADJ
easat-7157	265	21	inclusion	inclusion	NOUN
easat-7157	265	22	to	to	PART
easat-7157	265	23	improve	improve	VERB
easat-7157	265	24	societal	societal	ADJ
easat-7157	265	25	wellbeing	wellbeing	NOUN
easat-7157	265	26	.	.	PUNCT
easat-7157	266	1	the	the	DET
easat-7157	266	2	majority	majority	NOUN
easat-7157	266	3	of	of	ADP
easat-7157	266	4	studies	study	NOUN
easat-7157	266	5	emphasize	emphasize	VERB
easat-7157	266	6	the	the	DET
easat-7157	266	7	significance	significance	NOUN
easat-7157	266	8	of	of	ADP
easat-7157	266	9	ai	ai	PROPN
easat-7157	266	10	ethics	ethic	NOUN
easat-7157	266	11	standards	standard	NOUN
easat-7157	266	12	,	,	PUNCT
easat-7157	266	13	highlighting	highlight	VERB
easat-7157	266	14	their	their	PRON
easat-7157	266	15	benefits	benefit	NOUN
easat-7157	266	16	in	in	ADP
easat-7157	266	17	fostering	foster	VERB
easat-7157	266	18	environmental	environmental	ADJ
easat-7157	266	19	sustainability	sustainability	NOUN
easat-7157	266	20	,	,	PUNCT
easat-7157	266	21	respecting	respect	VERB
easat-7157	266	22	human	human	ADJ
easat-7157	266	23	dignity	dignity	NOUN
easat-7157	266	24	,	,	PUNCT
easat-7157	266	25	and	and	CCONJ
easat-7157	266	26	protecting	protect	VERB
easat-7157	266	27	community	community	NOUN
easat-7157	266	28	rights	right	NOUN
easat-7157	266	29	,	,	PUNCT
easat-7157	266	30	including	include	VERB
easat-7157	266	31	privacy	privacy	NOUN
easat-7157	266	32	and	and	CCONJ
easat-7157	266	33	security	security	NOUN
easat-7157	266	34	[	[	X
easat-7157	266	35	35	35	NUM
easat-7157	266	36	,	,	PUNCT
easat-7157	266	37	62	62	NUM
easat-7157	266	38	]	]	PUNCT
easat-7157	266	39	.	.	PUNCT
easat-7157	267	1	these	these	DET
easat-7157	267	2	standards	standard	NOUN
easat-7157	267	3	also	also	ADV
easat-7157	267	4	address	address	VERB
easat-7157	267	5	critical	critical	ADJ
easat-7157	267	6	aspects	aspect	NOUN
easat-7157	267	7	of	of	ADP
easat-7157	267	8	ai	ai	ADJ
easat-7157	267	9	integrity	integrity	NOUN
easat-7157	267	10	,	,	PUNCT
easat-7157	267	11	such	such	ADJ
easat-7157	267	12	as	as	ADP
easat-7157	267	13	autonomy	autonomy	NOUN
easat-7157	267	14	,	,	PUNCT
easat-7157	267	15	fairness	fairness	NOUN
easat-7157	267	16	,	,	PUNCT
easat-7157	267	17	explicability	explicability	NOUN
easat-7157	267	18	,	,	PUNCT
easat-7157	267	19	transparency	transparency	NOUN
easat-7157	267	20	,	,	PUNCT
easat-7157	267	21	and	and	CCONJ
easat-7157	267	22	accountability	accountability	NOUN
easat-7157	267	23	[	[	X
easat-7157	267	24	35	35	NUM
easat-7157	267	25	]	]	PUNCT
easat-7157	267	26	.	.	PUNCT
easat-7157	268	1	within	within	ADP
easat-7157	268	2	the	the	DET
easat-7157	268	3	framework	framework	NOUN
easat-7157	268	4	of	of	ADP
easat-7157	268	5	the	the	DET
easat-7157	268	6	toe	toe	NOUN
easat-7157	268	7	model	model	NOUN
easat-7157	268	8	,	,	PUNCT
easat-7157	268	9	ai	ai	AUX
easat-7157	268	10	ethics	ethic	NOUN
easat-7157	268	11	reveal	reveal	VERB
easat-7157	268	12	how	how	SCONJ
easat-7157	268	13	regulatory	regulatory	ADJ
easat-7157	268	14	support	support	NOUN
easat-7157	268	15	drives	drive	VERB
easat-7157	268	16	ai	ai	VERB
easat-7157	268	17	adoption	adoption	NOUN
easat-7157	268	18	,	,	PUNCT
easat-7157	268	19	promoting	promote	VERB
easat-7157	268	20	financial	financial	ADJ
easat-7157	268	21	inclusion	inclusion	NOUN
easat-7157	268	22	and	and	CCONJ
easat-7157	268	23	enhancing	enhance	VERB
easat-7157	268	24	societal	societal	ADJ
easat-7157	268	25	well	well	ADV
easat-7157	268	26	-	-	PUNCT
easat-7157	268	27	being	be	AUX
easat-7157	268	28	[	[	X
easat-7157	268	29	17	17	NUM
easat-7157	268	30	]	]	PUNCT
easat-7157	268	31	.	.	PUNCT
easat-7157	269	1	ethical	ethical	ADJ
easat-7157	269	2	ai	ai	VERB
easat-7157	269	3	including	include	VERB
easat-7157	269	4	a	a	DET
easat-7157	269	5	set	set	NOUN
easat-7157	269	6	of	of	ADP
easat-7157	269	7	principles	principle	NOUN
easat-7157	269	8	and	and	CCONJ
easat-7157	269	9	standards	standard	NOUN
easat-7157	269	10	aimed	aim	VERB
easat-7157	269	11	at	at	ADP
easat-7157	269	12	safeguarding	safeguard	VERB
easat-7157	269	13	the	the	DET
easat-7157	269	14	rights	right	NOUN
easat-7157	269	15	of	of	ADP
easat-7157	269	16	stakeholders	stakeholder	NOUN
easat-7157	269	17	,	,	PUNCT
easat-7157	269	18	including	include	VERB
easat-7157	269	19	investors	investor	NOUN
easat-7157	269	20	,	,	PUNCT
easat-7157	269	21	business	business	NOUN
easat-7157	269	22	owners	owner	NOUN
easat-7157	269	23	,	,	PUNCT
easat-7157	269	24	financial	financial	ADJ
easat-7157	269	25	systems	system	NOUN
easat-7157	269	26	,	,	PUNCT
easat-7157	269	27	economies	economy	NOUN
easat-7157	269	28	,	,	PUNCT
easat-7157	269	29	and	and	CCONJ
easat-7157	269	30	society	society	NOUN
easat-7157	270	1	[	[	X
easat-7157	270	2	35	35	NUM
easat-7157	270	3	]	]	PUNCT
easat-7157	270	4	.	.	PUNCT
easat-7157	271	1	however	however	ADV
easat-7157	271	2	,	,	PUNCT
easat-7157	271	3	the	the	DET
easat-7157	271	4	concept	concept	NOUN
easat-7157	271	5	and	and	CCONJ
easat-7157	271	6	application	application	NOUN
easat-7157	271	7	of	of	ADP
easat-7157	271	8	ethical	ethical	ADJ
easat-7157	271	9	ai	ai	NOUN
easat-7157	271	10	vary	vary	NOUN
easat-7157	271	11	significantly	significantly	ADV
easat-7157	271	12	across	across	ADP
easat-7157	271	13	different	different	ADJ
easat-7157	271	14	cultures	culture	NOUN
easat-7157	271	15	,	,	PUNCT
easat-7157	271	16	regions	region	NOUN
easat-7157	271	17	,	,	PUNCT
easat-7157	271	18	and	and	CCONJ
easat-7157	271	19	industries	industry	NOUN
easat-7157	271	20	[	[	X
easat-7157	271	21	35	35	NUM
easat-7157	271	22	]	]	PUNCT
easat-7157	271	23	.	.	PUNCT
easat-7157	272	1	according	accord	VERB
easat-7157	272	2	to	to	ADP
easat-7157	272	3	the	the	DET
easat-7157	272	4	change	change	NOUN
easat-7157	272	5	landscape	landscape	NOUN
easat-7157	272	6	of	of	ADP
easat-7157	272	7	the	the	DET
easat-7157	272	8	business	business	NOUN
easat-7157	272	9	that	that	PRON
easat-7157	272	10	the	the	DET
easat-7157	272	11	ai	ai	NOUN
easat-7157	272	12	is	be	AUX
easat-7157	272	13	estimated	estimate	VERB
easat-7157	272	14	to	to	PART
easat-7157	272	15	play	play	VERB
easat-7157	272	16	a	a	DET
easat-7157	272	17	transformative	transformative	ADJ
easat-7157	272	18	role	role	NOUN
easat-7157	272	19	in	in	ADP
easat-7157	272	20	shaping	shape	VERB
easat-7157	272	21	the	the	DET
easat-7157	272	22	future	future	NOUN
easat-7157	272	23	of	of	ADP
easat-7157	272	24	the	the	DET
easat-7157	272	25	financial	financial	ADJ
easat-7157	272	26	sector	sector	NOUN
easat-7157	272	27	,	,	PUNCT
easat-7157	272	28	with	with	ADP
easat-7157	272	29	its	its	PRON
easat-7157	272	30	impact	impact	NOUN
easat-7157	272	31	on	on	ADP
easat-7157	272	32	business	business	NOUN
easat-7157	272	33	environments	environment	NOUN
easat-7157	272	34	and	and	CCONJ
easat-7157	272	35	society	society	NOUN
easat-7157	272	36	contingent	contingent	NOUN
easat-7157	272	37	on	on	ADP
easat-7157	272	38	adherence	adherence	NOUN
easat-7157	272	39	to	to	ADP
easat-7157	272	40	ethical	ethical	ADJ
easat-7157	272	41	principles	principle	NOUN
easat-7157	272	42	[	[	X
easat-7157	272	43	63	63	NUM
easat-7157	272	44	]	]	PUNCT
easat-7157	272	45	.	.	PUNCT
easat-7157	273	1	ai	ai	VERB
easat-7157	273	2	adoption	adoption	NOUN
easat-7157	273	3	has	have	AUX
easat-7157	273	4	gained	gain	VERB
easat-7157	273	5	significant	significant	ADJ
easat-7157	273	6	traction	traction	NOUN
easat-7157	273	7	in	in	ADP
easat-7157	273	8	emerging	emerge	VERB
easat-7157	273	9	markets	market	NOUN
easat-7157	273	10	due	due	ADJ
easat-7157	273	11	to	to	ADP
easat-7157	273	12	its	its	PRON
easat-7157	273	13	ability	ability	NOUN
easat-7157	273	14	to	to	PART
easat-7157	273	15	enhance	enhance	VERB
easat-7157	273	16	sustainability	sustainability	NOUN
easat-7157	273	17	,	,	PUNCT
easat-7157	273	18	profitability	profitability	NOUN
easat-7157	273	19	,	,	PUNCT
easat-7157	273	20	and	and	CCONJ
easat-7157	273	21	financial	financial	ADJ
easat-7157	273	22	inclusion	inclusion	NOUN
easat-7157	273	23	[	[	X
easat-7157	273	24	64	64	NUM
easat-7157	273	25	]	]	PUNCT
easat-7157	273	26	.	.	PUNCT
easat-7157	274	1	nevertheless	nevertheless	ADV
easat-7157	274	2	,	,	PUNCT
easat-7157	274	3	the	the	DET
easat-7157	274	4	ethical	ethical	ADJ
easat-7157	274	5	dimensions	dimension	NOUN
easat-7157	274	6	of	of	ADP
easat-7157	274	7	ai	ai	PROPN
easat-7157	274	8	adoption	adoption	NOUN
easat-7157	274	9	present	present	ADJ
easat-7157	274	10	intricate	intricate	ADJ
easat-7157	274	11	challenges	challenge	NOUN
easat-7157	274	12	,	,	PUNCT
easat-7157	274	13	including	include	VERB
easat-7157	274	14	data	datum	NOUN
easat-7157	274	15	quality	quality	NOUN
easat-7157	274	16	,	,	PUNCT
easat-7157	274	17	algorithmic	algorithmic	ADJ
easat-7157	274	18	bias	bias	NOUN
easat-7157	274	19	,	,	PUNCT
easat-7157	274	20	autonomy	autonomy	NOUN
easat-7157	274	21	,	,	PUNCT
easat-7157	274	22	justice	justice	NOUN
easat-7157	274	23	,	,	PUNCT
easat-7157	274	24	and	and	CCONJ
easat-7157	274	25	explicability	explicability	NOUN
easat-7157	274	26	[	[	X
easat-7157	274	27	62	62	NUM
easat-7157	274	28	]	]	PUNCT
easat-7157	274	29	.	.	PUNCT
easat-7157	275	1	addressing	address	VERB
easat-7157	275	2	these	these	DET
easat-7157	275	3	challenges	challenge	NOUN
easat-7157	275	4	is	be	AUX
easat-7157	275	5	important	important	ADJ
easat-7157	275	6	for	for	ADP
easat-7157	275	7	building	build	VERB
easat-7157	275	8	trust	trust	NOUN
easat-7157	275	9	in	in	ADP
easat-7157	275	10	ai	ai	ADJ
easat-7157	275	11	-	-	PUNCT
easat-7157	275	12	driven	drive	VERB
easat-7157	275	13	decisionmaking	decisionmaking	NOUN
easat-7157	275	14	processes	process	NOUN
easat-7157	275	15	and	and	CCONJ
easat-7157	275	16	ensuring	ensure	VERB
easat-7157	275	17	equitable	equitable	ADJ
easat-7157	275	18	and	and	CCONJ
easat-7157	275	19	transparent	transparent	ADJ
easat-7157	275	20	application	application	NOUN
easat-7157	275	21	[	[	X
easat-7157	275	22	64	64	NUM
easat-7157	275	23	]	]	PUNCT
easat-7157	275	24	.	.	PUNCT
easat-7157	276	1	to	to	ADP
easat-7157	276	2	this	this	DET
easat-7157	276	3	end	end	NOUN
easat-7157	276	4	,	,	PUNCT
easat-7157	276	5	the	the	DET
easat-7157	276	6	financial	financial	ADJ
easat-7157	276	7	sector	sector	NOUN
easat-7157	276	8	relies	rely	VERB
easat-7157	276	9	on	on	ADP
easat-7157	276	10	robust	robust	ADJ
easat-7157	276	11	governance	governance	NOUN
easat-7157	276	12	mechanisms	mechanism	NOUN
easat-7157	276	13	to	to	PART
easat-7157	276	14	ensure	ensure	VERB
easat-7157	276	15	compliance	compliance	NOUN
easat-7157	276	16	with	with	ADP
easat-7157	276	17	corporate	corporate	ADJ
easat-7157	276	18	governance	governance	NOUN
easat-7157	276	19	requirements	requirement	NOUN
easat-7157	276	20	,	,	PUNCT
easat-7157	276	21	which	which	PRON
easat-7157	276	22	are	be	AUX
easat-7157	276	23	essential	essential	ADJ
easat-7157	276	24	for	for	ADP
easat-7157	276	25	addressing	address	VERB
easat-7157	276	26	ethical	ethical	ADJ
easat-7157	276	27	concerns	concern	NOUN
easat-7157	276	28	[	[	X
easat-7157	276	29	63	63	NUM
easat-7157	276	30	]	]	PUNCT
easat-7157	276	31	.	.	PUNCT
easat-7157	277	1	it	it	PRON
easat-7157	277	2	is	be	AUX
easat-7157	277	3	clear	clear	ADJ
easat-7157	277	4	that	that	SCONJ
easat-7157	277	5	the	the	DET
easat-7157	277	6	benefits	benefit	NOUN
easat-7157	277	7	of	of	ADP
easat-7157	277	8	ai	ai	PRON
easat-7157	277	9	adoption	adoption	NOUN
easat-7157	277	10	are	be	AUX
easat-7157	277	11	improving	improve	VERB
easat-7157	277	12	the	the	DET
easat-7157	277	13	financial	financial	ADJ
easat-7157	277	14	inclusion	inclusion	NOUN
easat-7157	277	15	,	,	PUNCT
easat-7157	277	16	which	which	PRON
easat-7157	277	17	it	it	PRON
easat-7157	277	18	emphasizes	emphasize	VERB
easat-7157	277	19	the	the	DET
easat-7157	277	20	need	need	NOUN
easat-7157	277	21	for	for	SCONJ
easat-7157	277	22	decision	decision	NOUN
easat-7157	277	23	-	-	PUNCT
easat-7157	277	24	makers	maker	NOUN
easat-7157	277	25	to	to	PART
easat-7157	277	26	prioritize	prioritize	VERB
easat-7157	277	27	ethical	ethical	ADJ
easat-7157	277	28	considerations	consideration	NOUN
easat-7157	277	29	in	in	ADP
easat-7157	277	30	its	its	PRON
easat-7157	277	31	implementation	implementation	NOUN
easat-7157	277	32	.	.	PUNCT
easat-7157	278	1	some	some	DET
easat-7157	278	2	studies	study	NOUN
easat-7157	278	3	highlight	highlight	VERB
easat-7157	278	4	that	that	SCONJ
easat-7157	278	5	moral	moral	ADJ
easat-7157	278	6	issues	issue	NOUN
easat-7157	278	7	are	be	AUX
easat-7157	278	8	intrinsically	intrinsically	ADV
easat-7157	278	9	tied	tie	VERB
easat-7157	278	10	to	to	ADP
easat-7157	278	11	ai	ai	VERB
easat-7157	278	12	adoption	adoption	NOUN
easat-7157	278	13	,	,	PUNCT
easat-7157	278	14	influencing	influence	VERB
easat-7157	278	15	its	its	PRON
easat-7157	278	16	impact	impact	NOUN
easat-7157	278	17	on	on	ADP
easat-7157	278	18	the	the	DET
easat-7157	278	19	financial	financial	ADJ
easat-7157	278	20	sector	sector	NOUN
easat-7157	278	21	either	either	CCONJ
easat-7157	278	22	positively	positively	ADV
easat-7157	278	23	or	or	CCONJ
easat-7157	278	24	negatively	negatively	ADV
easat-7157	278	25	,	,	PUNCT
easat-7157	278	26	depending	depend	VERB
easat-7157	278	27	on	on	ADP
easat-7157	278	28	the	the	DET
easat-7157	278	29	fairness	fairness	NOUN
easat-7157	278	30	and	and	CCONJ
easat-7157	278	31	transparency	transparency	NOUN
easat-7157	278	32	of	of	ADP
easat-7157	278	33	ai	ai	ADJ
easat-7157	278	34	-	-	PUNCT
easat-7157	278	35	generated	generate	VERB
easat-7157	278	36	outcome	outcome	NOUN
easat-7157	279	1	[	[	X
easat-7157	279	2	63	63	NUM
easat-7157	279	3	,	,	PUNCT
easat-7157	279	4	65	65	NUM
easat-7157	279	5	]	]	PUNCT
easat-7157	279	6	.	.	PUNCT
easat-7157	280	1	ethical	ethical	ADJ
easat-7157	280	2	considerations	consideration	NOUN
easat-7157	280	3	are	be	AUX
easat-7157	280	4	complicated	complicate	VERB
easat-7157	280	5	of	of	ADP
easat-7157	280	6	challenges	challenge	NOUN
easat-7157	280	7	,	,	PUNCT
easat-7157	280	8	such	such	ADJ
easat-7157	280	9	as	as	ADP
easat-7157	280	10	algorithmic	algorithmic	ADJ
easat-7157	280	11	fairness	fairness	NOUN
easat-7157	280	12	,	,	PUNCT
easat-7157	280	13	privacy	privacy	NOUN
easat-7157	280	14	,	,	PUNCT
easat-7157	280	15	transparency	transparency	NOUN
easat-7157	280	16	,	,	PUNCT
easat-7157	280	17	accountability	accountability	NOUN
easat-7157	280	18	,	,	PUNCT
easat-7157	280	19	algorithmic	algorithmic	ADJ
easat-7157	280	20	bias	bias	NOUN
easat-7157	280	21	,	,	PUNCT
easat-7157	280	22	job	job	NOUN
easat-7157	280	23	displacement	displacement	NOUN
easat-7157	280	24	,	,	PUNCT
easat-7157	280	25	security	security	NOUN
easat-7157	280	26	,	,	PUNCT
easat-7157	280	27	and	and	CCONJ
easat-7157	280	28	machine	machine	NOUN
easat-7157	280	29	autonomy	autonomy	NOUN
easat-7157	280	30	.	.	PUNCT
easat-7157	281	1	this	this	DET
easat-7157	281	2	present	present	ADJ
easat-7157	281	3	significant	significant	ADJ
easat-7157	281	4	challenges	challenge	NOUN
easat-7157	281	5	for	for	ADP
easat-7157	281	6	ai	ai	PRON
easat-7157	281	7	adoption	adoption	NOUN
easat-7157	281	8	and	and	CCONJ
easat-7157	281	9	the	the	DET
easat-7157	281	10	broader	broad	ADJ
easat-7157	281	11	implementation	implementation	NOUN
easat-7157	281	12	of	of	ADP
easat-7157	281	13	advanced	advanced	ADJ
easat-7157	281	14	technologies	technology	NOUN
easat-7157	281	15	in	in	ADP
easat-7157	281	16	business	business	NOUN
easat-7157	281	17	environments	environment	NOUN
easat-7157	281	18	[	[	X
easat-7157	281	19	62	62	NUM
easat-7157	281	20	,	,	PUNCT
easat-7157	281	21	66	66	NUM
easat-7157	281	22	,	,	PUNCT
easat-7157	281	23	67	67	NUM
easat-7157	281	24	]	]	PUNCT
easat-7157	281	25	.	.	PUNCT
easat-7157	282	1	upholding	uphold	VERB
easat-7157	282	2	high	high	ADJ
easat-7157	282	3	ethical	ethical	ADJ
easat-7157	282	4	standards	standard	NOUN
easat-7157	282	5	in	in	ADP
easat-7157	282	6	ai	ai	ADJ
easat-7157	282	7	adoption	adoption	NOUN
easat-7157	282	8	can	can	AUX
easat-7157	282	9	enhance	enhance	VERB
easat-7157	282	10	trust	trust	NOUN
easat-7157	282	11	,	,	PUNCT
easat-7157	282	12	accuracy	accuracy	NOUN
easat-7157	282	13	,	,	PUNCT
easat-7157	282	14	and	and	CCONJ
easat-7157	282	15	fairness	fairness	NOUN
easat-7157	282	16	,	,	PUNCT
easat-7157	282	17	yield	yield	VERB
easat-7157	282	18	positive	positive	ADJ
easat-7157	282	19	socioeconomic	socioeconomic	ADJ
easat-7157	282	20	outcomes	outcome	NOUN
easat-7157	282	21	,	,	PUNCT
easat-7157	282	22	and	and	CCONJ
easat-7157	282	23	foster	foster	ADJ
easat-7157	282	24	financial	financial	ADJ
easat-7157	282	25	inclusion	inclusion	NOUN
easat-7157	282	26	.	.	PUNCT
easat-7157	283	1	conversely	conversely	ADV
easat-7157	283	2	,	,	PUNCT
easat-7157	283	3	unethical	unethical	ADJ
easat-7157	283	4	practices	practice	NOUN
easat-7157	283	5	can	can	AUX
easat-7157	283	6	adversely	adversely	ADV
easat-7157	283	7	affect	affect	VERB
easat-7157	283	8	socioeconomic	socioeconomic	ADJ
easat-7157	283	9	conditions	condition	NOUN
easat-7157	283	10	,	,	PUNCT
easat-7157	283	11	social	social	ADJ
easat-7157	283	12	life	life	NOUN
easat-7157	283	13	,	,	PUNCT
easat-7157	283	14	and	and	CCONJ
easat-7157	283	15	the	the	DET
easat-7157	283	16	economy	economy	NOUN
easat-7157	283	17	.	.	PUNCT
easat-7157	284	1	4.6	4.6	NUM
easat-7157	284	2	.	.	PUNCT
easat-7157	285	1	financial	financial	ADJ
easat-7157	285	2	inclusion	inclusion	NOUN
easat-7157	285	3	financial	financial	ADJ
easat-7157	285	4	inclusion	inclusion	NOUN
easat-7157	285	5	refers	refer	VERB
easat-7157	285	6	to	to	ADP
easat-7157	285	7	the	the	DET
easat-7157	285	8	ability	ability	NOUN
easat-7157	285	9	of	of	ADP
easat-7157	285	10	individuals	individual	NOUN
easat-7157	285	11	across	across	ADP
easat-7157	285	12	all	all	DET
easat-7157	285	13	income	income	NOUN
easat-7157	285	14	levels	level	NOUN
easat-7157	285	15	and	and	CCONJ
easat-7157	285	16	genders	gender	NOUN
easat-7157	285	17	to	to	PART
easat-7157	285	18	access	access	VERB
easat-7157	285	19	financial	financial	ADJ
easat-7157	285	20	services	service	NOUN
easat-7157	285	21	,	,	PUNCT
easat-7157	285	22	such	such	ADJ
easat-7157	285	23	as	as	ADP
easat-7157	285	24	banking	banking	NOUN
easat-7157	285	25	accounts	account	NOUN
easat-7157	285	26	,	,	PUNCT
easat-7157	285	27	credit	credit	NOUN
easat-7157	285	28	cards	card	NOUN
easat-7157	285	29	,	,	PUNCT
easat-7157	285	30	mobile	mobile	ADJ
easat-7157	285	31	banking	banking	NOUN
easat-7157	285	32	,	,	PUNCT
easat-7157	285	33	and	and	CCONJ
easat-7157	285	34	other	other	ADJ
easat-7157	285	35	digital	digital	ADJ
easat-7157	285	36	financial	financial	ADJ
easat-7157	285	37	services	service	NOUN
easat-7157	285	38	,	,	PUNCT
easat-7157	285	39	to	to	PART
easat-7157	285	40	support	support	VERB
easat-7157	285	41	their	their	PRON
easat-7157	285	42	financial	financial	ADJ
easat-7157	285	43	needs	need	NOUN
easat-7157	285	44	at	at	ADP
easat-7157	285	45	affordable	affordable	ADJ
easat-7157	285	46	prices	price	NOUN
easat-7157	285	47	[	[	X
easat-7157	285	48	1	1	NUM
easat-7157	285	49	,	,	PUNCT
easat-7157	285	50	68	68	NUM
easat-7157	285	51	]	]	PUNCT
easat-7157	285	52	.	.	PUNCT
easat-7157	286	1	it	it	PRON
easat-7157	286	2	can	can	AUX
easat-7157	286	3	also	also	ADV
easat-7157	286	4	be	be	AUX
easat-7157	286	5	defined	define	VERB
easat-7157	286	6	as	as	ADP
easat-7157	286	7	the	the	DET
easat-7157	286	8	capacity	capacity	NOUN
easat-7157	286	9	of	of	ADP
easat-7157	286	10	vulnerable	vulnerable	ADJ
easat-7157	286	11	members	member	NOUN
easat-7157	286	12	of	of	ADP
easat-7157	286	13	society	society	NOUN
easat-7157	286	14	to	to	PART
easat-7157	286	15	use	use	VERB
easat-7157	286	16	banking	banking	NOUN
easat-7157	286	17	and	and	CCONJ
easat-7157	286	18	obtain	obtain	VERB
easat-7157	286	19	financial	financial	ADJ
easat-7157	286	20	services	service	NOUN
easat-7157	286	21	[	[	X
easat-7157	286	22	8	8	NUM
easat-7157	286	23	,	,	PUNCT
easat-7157	286	24	9	9	NUM
easat-7157	286	25	,	,	PUNCT
easat-7157	286	26	40	40	NUM
easat-7157	286	27	]	]	PUNCT
easat-7157	286	28	.	.	PUNCT
easat-7157	287	1	banks	bank	NOUN
easat-7157	287	2	can	can	AUX
easat-7157	287	3	enable	enable	VERB
easat-7157	287	4	individuals	individual	NOUN
easat-7157	287	5	to	to	PART
easat-7157	287	6	open	open	VERB
easat-7157	287	7	accounts	account	NOUN
easat-7157	287	8	and	and	CCONJ
easat-7157	287	9	apply	apply	VERB
easat-7157	287	10	for	for	ADP
easat-7157	287	11	loans	loan	NOUN
easat-7157	287	12	by	by	ADP
easat-7157	287	13	offering	offer	VERB
easat-7157	287	14	services	service	NOUN
easat-7157	287	15	that	that	PRON
easat-7157	287	16	are	be	AUX
easat-7157	287	17	consistent	consistent	ADJ
easat-7157	287	18	with	with	ADP
easat-7157	287	19	financial	financial	ADJ
easat-7157	287	20	soundness	soundness	NOUN
easat-7157	287	21	.	.	PUNCT
easat-7157	288	1	population	population	NOUN
easat-7157	288	2	growth	growth	NOUN
easat-7157	288	3	pressures	pressure	VERB
easat-7157	288	4	the	the	DET
easat-7157	288	5	financial	financial	ADJ
easat-7157	288	6	sector	sector	NOUN
easat-7157	288	7	to	to	PART
easat-7157	288	8	increase	increase	VERB
easat-7157	288	9	operational	operational	ADJ
easat-7157	288	10	expenses	expense	NOUN
easat-7157	288	11	and	and	CCONJ
easat-7157	288	12	open	open	VERB
easat-7157	288	13	more	more	ADJ
easat-7157	288	14	physical	physical	ADJ
easat-7157	288	15	branches	branch	NOUN
easat-7157	288	16	.	.	PUNCT
easat-7157	289	1	however	however	ADV
easat-7157	289	2	,	,	PUNCT
easat-7157	289	3	technology	technology	NOUN
easat-7157	289	4	development	development	NOUN
easat-7157	289	5	is	be	AUX
easat-7157	289	6	enhanced	enhance	VERB
easat-7157	289	7	by	by	ADP
easat-7157	289	8	the	the	DET
easat-7157	289	9	launch	launch	NOUN
easat-7157	289	10	of	of	ADP
easat-7157	289	11	digitalized	digitalize	VERB
easat-7157	289	12	services	service	NOUN
easat-7157	289	13	and	and	CCONJ
easat-7157	289	14	ai	ai	AUX
easat-7157	289	15	to	to	PART
easat-7157	289	16	assist	assist	VERB
easat-7157	289	17	and	and	CCONJ
easat-7157	289	18	guide	guide	VERB
easat-7157	289	19	customers	customer	NOUN
easat-7157	289	20	and	and	CCONJ
easat-7157	289	21	present	present	ADJ
easat-7157	289	22	banking	banking	NOUN
easat-7157	289	23	services	service	NOUN
easat-7157	289	24	at	at	ADP
easat-7157	289	25	a	a	DET
easat-7157	289	26	low	low	ADJ
easat-7157	289	27	cost	cost	NOUN
easat-7157	289	28	to	to	PART
easat-7157	289	29	meet	meet	VERB
easat-7157	289	30	all	all	DET
easat-7157	289	31	customers	customer	NOUN
easat-7157	289	32	’	'	PUNCT
easat-7157	289	33	needs	need	VERB
easat-7157	289	34	[	[	X
easat-7157	289	35	20	20	NUM
easat-7157	289	36	,	,	PUNCT
easat-7157	289	37	22	22	NUM
easat-7157	289	38	]	]	PUNCT
easat-7157	289	39	.	.	PUNCT
easat-7157	290	1	economic	economic	ADJ
easat-7157	290	2	growth	growth	NOUN
easat-7157	290	3	,	,	PUNCT
easat-7157	290	4	particularly	particularly	ADV
easat-7157	290	5	in	in	ADP
easat-7157	290	6	developing	develop	VERB
easat-7157	290	7	nations	nation	NOUN
easat-7157	290	8	,	,	PUNCT
easat-7157	290	9	faces	face	VERB
easat-7157	290	10	critical	critical	ADJ
easat-7157	290	11	challenges	challenge	NOUN
easat-7157	290	12	related	relate	VERB
easat-7157	290	13	to	to	ADP
easat-7157	290	14	sustainability	sustainability	NOUN
easat-7157	290	15	and	and	CCONJ
easat-7157	290	16	financial	financial	ADJ
easat-7157	290	17	inclusion	inclusion	NOUN
easat-7157	290	18	[	[	X
easat-7157	290	19	12	12	NUM
easat-7157	290	20	,	,	PUNCT
easat-7157	290	21	60	60	NUM
easat-7157	290	22	]	]	PUNCT
easat-7157	290	23	.	.	PUNCT
easat-7157	291	1	however	however	ADV
easat-7157	291	2	,	,	PUNCT
easat-7157	291	3	financial	financial	ADJ
easat-7157	291	4	inclusion	inclusion	NOUN
easat-7157	291	5	underscores	underscore	VERB
easat-7157	291	6	society	society	NOUN
easat-7157	291	7	’s	’s	PART
easat-7157	291	8	right	right	NOUN
easat-7157	291	9	to	to	PART
easat-7157	291	10	access	access	VERB
easat-7157	291	11	financial	financial	ADJ
easat-7157	291	12	services	service	NOUN
easat-7157	291	13	,	,	PUNCT
easat-7157	291	14	whereas	whereas	SCONJ
easat-7157	291	15	sustainability	sustainability	NOUN
easat-7157	291	16	emphasizes	emphasize	VERB
easat-7157	291	17	social	social	ADJ
easat-7157	291	18	,	,	PUNCT
easat-7157	291	19	economic	economic	ADJ
easat-7157	291	20	,	,	PUNCT
easat-7157	291	21	and	and	CCONJ
easat-7157	291	22	environmental	environmental	ADJ
easat-7157	291	23	concerns	concern	NOUN
easat-7157	291	24	[	[	X
easat-7157	291	25	12	12	NUM
easat-7157	291	26	]	]	PUNCT
easat-7157	291	27	.	.	PUNCT
easat-7157	292	1	as	as	ADP
easat-7157	292	2	a	a	DET
easat-7157	292	3	result	result	NOUN
easat-7157	292	4	,	,	PUNCT
easat-7157	292	5	these	these	DET
easat-7157	292	6	issues	issue	NOUN
easat-7157	292	7	are	be	AUX
easat-7157	292	8	related	relate	VERB
easat-7157	292	9	to	to	ADP
easat-7157	292	10	advanced	advanced	ADJ
easat-7157	292	11	technological	technological	ADJ
easat-7157	292	12	improvements	improvement	NOUN
easat-7157	292	13	,	,	PUNCT
easat-7157	292	14	such	such	ADJ
easat-7157	292	15	as	as	ADP
easat-7157	292	16	big	big	ADJ
easat-7157	292	17	data	datum	NOUN
easat-7157	292	18	,	,	PUNCT
easat-7157	292	19	blockchain	blockchain	NOUN
easat-7157	292	20	,	,	PUNCT
easat-7157	292	21	fintech	fintech	NOUN
easat-7157	292	22	,	,	PUNCT
easat-7157	292	23	and	and	CCONJ
easat-7157	292	24	ai	ai	VERB
easat-7157	292	25	,	,	PUNCT
easat-7157	292	26	which	which	PRON
easat-7157	292	27	enhance	enhance	VERB
easat-7157	292	28	financial	financial	ADJ
easat-7157	292	29	inclusion	inclusion	NOUN
easat-7157	292	30	and	and	CCONJ
easat-7157	292	31	increase	increase	VERB
easat-7157	292	32	access	access	NOUN
easat-7157	292	33	to	to	ADP
easat-7157	292	34	financial	financial	ADJ
easat-7157	292	35	1313	1313	NUM
easat-7157	292	36	edelweiss	edelweiss	PROPN
easat-7157	292	37	applied	apply	VERB
easat-7157	292	38	science	science	NOUN
easat-7157	292	39	and	and	CCONJ
easat-7157	292	40	technology	technology	NOUN
easat-7157	292	41	issn	issn	PROPN
easat-7157	292	42	:	:	PUNCT
easat-7157	292	43	2576	2576	NUM
easat-7157	292	44	-	-	SYM
easat-7157	292	45	8484	8484	NUM
easat-7157	292	46	vol	vol	NOUN
easat-7157	292	47	.	.	PROPN
easat-7157	293	1	9	9	NUM
easat-7157	293	2	,	,	PUNCT
easat-7157	293	3	no	no	INTJ
easat-7157	293	4	.	.	NOUN
easat-7157	293	5	5	5	NUM
easat-7157	293	6	:	:	SYM
easat-7157	293	7	1302	1302	NUM
easat-7157	293	8	-	-	SYM
easat-7157	293	9	1323	1323	NUM
easat-7157	293	10	,	,	PUNCT
easat-7157	293	11	2025	2025	NUM
easat-7157	293	12	doi	doi	NOUN
easat-7157	293	13	:	:	PUNCT
easat-7157	293	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	293	15	©	©	ADP
easat-7157	293	16	2025	2025	NUM
easat-7157	293	17	by	by	ADP
easat-7157	293	18	the	the	DET
easat-7157	293	19	authors	author	NOUN
easat-7157	293	20	;	;	PUNCT
easat-7157	294	1	licensee	licensee	PROPN
easat-7157	294	2	learning	learn	VERB
easat-7157	294	3	gate	gate	NOUN
easat-7157	294	4	resources	resource	NOUN
easat-7157	294	5	[	[	X
easat-7157	294	6	12	12	NUM
easat-7157	294	7	,	,	PUNCT
easat-7157	294	8	40	40	NUM
easat-7157	294	9	]	]	PUNCT
easat-7157	294	10	.	.	PUNCT
easat-7157	295	1	this	this	PRON
easat-7157	295	2	,	,	PUNCT
easat-7157	295	3	in	in	ADP
easat-7157	295	4	turn	turn	NOUN
easat-7157	295	5	,	,	PUNCT
easat-7157	295	6	boosts	boost	VERB
easat-7157	295	7	purchasing	purchase	VERB
easat-7157	295	8	power	power	NOUN
easat-7157	295	9	,	,	PUNCT
easat-7157	295	10	leading	lead	VERB
easat-7157	295	11	to	to	ADP
easat-7157	295	12	enhanced	enhance	VERB
easat-7157	295	13	economic	economic	ADJ
easat-7157	295	14	growth	growth	NOUN
easat-7157	295	15	.	.	PUNCT
easat-7157	296	1	furthermore	furthermore	ADV
easat-7157	296	2	,	,	PUNCT
easat-7157	296	3	sophisticated	sophisticated	ADJ
easat-7157	296	4	technology	technology	NOUN
easat-7157	296	5	mitigates	mitigate	VERB
easat-7157	296	6	the	the	DET
easat-7157	296	7	impact	impact	NOUN
easat-7157	296	8	of	of	ADP
easat-7157	296	9	environmental	environmental	ADJ
easat-7157	296	10	issues	issue	NOUN
easat-7157	296	11	by	by	ADP
easat-7157	296	12	facilitating	facilitate	VERB
easat-7157	296	13	the	the	DET
easat-7157	296	14	transition	transition	NOUN
easat-7157	296	15	to	to	ADP
easat-7157	296	16	the	the	DET
easat-7157	296	17	digital	digital	ADJ
easat-7157	296	18	era	era	NOUN
easat-7157	296	19	and	and	CCONJ
easat-7157	296	20	reducing	reduce	VERB
easat-7157	296	21	the	the	DET
easat-7157	296	22	costs	cost	NOUN
easat-7157	296	23	and	and	CCONJ
easat-7157	296	24	barriers	barrier	NOUN
easat-7157	296	25	that	that	PRON
easat-7157	296	26	limit	limit	VERB
easat-7157	296	27	access	access	NOUN
easat-7157	296	28	to	to	ADP
easat-7157	296	29	financial	financial	ADJ
easat-7157	296	30	services	service	NOUN
easat-7157	296	31	.	.	PUNCT
easat-7157	297	1	this	this	DET
easat-7157	297	2	results	result	NOUN
easat-7157	297	3	in	in	ADP
easat-7157	297	4	decreased	decrease	VERB
easat-7157	297	5	financial	financial	ADJ
easat-7157	297	6	costs	cost	NOUN
easat-7157	297	7	,	,	PUNCT
easat-7157	297	8	streamlined	streamline	VERB
easat-7157	297	9	customer	customer	NOUN
easat-7157	297	10	accounting	accounting	NOUN
easat-7157	297	11	operations	operation	NOUN
easat-7157	297	12	,	,	PUNCT
easat-7157	297	13	and	and	CCONJ
easat-7157	297	14	accelerated	accelerate	VERB
easat-7157	297	15	access	access	NOUN
easat-7157	297	16	to	to	ADP
easat-7157	297	17	customer	customer	NOUN
easat-7157	297	18	financing	financing	NOUN
easat-7157	297	19	[	[	X
easat-7157	297	20	12	12	NUM
easat-7157	297	21	,	,	PUNCT
easat-7157	297	22	40	40	NUM
easat-7157	297	23	]	]	PUNCT
easat-7157	297	24	.	.	PUNCT
easat-7157	298	1	the	the	DET
easat-7157	298	2	development	development	NOUN
easat-7157	298	3	of	of	ADP
easat-7157	298	4	innovations	innovation	NOUN
easat-7157	298	5	creates	create	VERB
easat-7157	298	6	new	new	ADJ
easat-7157	298	7	business	business	NOUN
easat-7157	298	8	models	model	NOUN
easat-7157	298	9	that	that	PRON
easat-7157	298	10	can	can	AUX
easat-7157	298	11	provide	provide	VERB
easat-7157	298	12	financial	financial	ADJ
easat-7157	298	13	services	service	NOUN
easat-7157	298	14	to	to	ADP
easat-7157	298	15	customers	customer	NOUN
easat-7157	298	16	and	and	CCONJ
easat-7157	298	17	enhance	enhance	VERB
easat-7157	298	18	financial	financial	ADJ
easat-7157	298	19	inclusion	inclusion	NOUN
easat-7157	298	20	,	,	PUNCT
easat-7157	298	21	such	such	ADJ
easat-7157	298	22	as	as	ADP
easat-7157	298	23	crowdfunding	crowdfunding	NOUN
easat-7157	298	24	,	,	PUNCT
easat-7157	298	25	p2p	p2p	NOUN
easat-7157	298	26	lending	lending	NOUN
easat-7157	298	27	,	,	PUNCT
easat-7157	298	28	and	and	CCONJ
easat-7157	298	29	online	online	ADJ
easat-7157	298	30	platforms	platform	NOUN
easat-7157	298	31	[	[	X
easat-7157	298	32	39	39	NUM
easat-7157	298	33	]	]	PUNCT
easat-7157	298	34	.	.	PUNCT
easat-7157	299	1	consequently	consequently	ADV
easat-7157	299	2	,	,	PUNCT
easat-7157	299	3	new	new	ADJ
easat-7157	299	4	platforms	platform	NOUN
easat-7157	299	5	have	have	AUX
easat-7157	299	6	emerged	emerge	VERB
easat-7157	299	7	to	to	PART
easat-7157	299	8	assist	assist	VERB
easat-7157	299	9	low	low	ADJ
easat-7157	299	10	-	-	PUNCT
easat-7157	299	11	income	income	NOUN
easat-7157	299	12	individuals	individual	NOUN
easat-7157	299	13	in	in	ADP
easat-7157	299	14	purchasing	purchase	VERB
easat-7157	299	15	necessities	necessity	NOUN
easat-7157	299	16	.	.	PUNCT
easat-7157	300	1	these	these	DET
easat-7157	300	2	platforms	platform	NOUN
easat-7157	300	3	facilitate	facilitate	VERB
easat-7157	300	4	upfront	upfront	ADJ
easat-7157	300	5	payments	payment	NOUN
easat-7157	300	6	to	to	ADP
easat-7157	300	7	businesses	business	NOUN
easat-7157	300	8	,	,	PUNCT
easat-7157	300	9	allowing	allow	VERB
easat-7157	300	10	customers	customer	NOUN
easat-7157	300	11	to	to	PART
easat-7157	300	12	pay	pay	VERB
easat-7157	300	13	the	the	DET
easat-7157	300	14	platform	platform	NOUN
easat-7157	300	15	on	on	ADP
easat-7157	300	16	a	a	DET
easat-7157	300	17	later	later	ADJ
easat-7157	300	18	date	date	NOUN
easat-7157	300	19	based	base	VERB
easat-7157	300	20	on	on	ADP
easat-7157	300	21	the	the	DET
easat-7157	300	22	settlement	settlement	NOUN
easat-7157	300	23	policy	policy	NOUN
easat-7157	300	24	of	of	ADP
easat-7157	300	25	a	a	DET
easat-7157	300	26	particular	particular	ADJ
easat-7157	300	27	service	service	NOUN
easat-7157	300	28	provider	provider	NOUN
easat-7157	300	29	,	,	PUNCT
easat-7157	300	30	which	which	PRON
easat-7157	300	31	supports	support	VERB
easat-7157	300	32	financial	financial	ADJ
easat-7157	300	33	inclusion	inclusion	NOUN
easat-7157	300	34	.	.	PUNCT
easat-7157	301	1	these	these	DET
easat-7157	301	2	services	service	NOUN
easat-7157	301	3	leverage	leverage	VERB
easat-7157	301	4	the	the	DET
easat-7157	301	5	features	feature	NOUN
easat-7157	301	6	of	of	ADP
easat-7157	301	7	ai	ai	PROPN
easat-7157	301	8	and	and	CCONJ
easat-7157	301	9	big	big	ADJ
easat-7157	301	10	data	datum	NOUN
easat-7157	301	11	to	to	PART
easat-7157	301	12	enhance	enhance	VERB
easat-7157	301	13	access	access	NOUN
easat-7157	301	14	to	to	ADP
easat-7157	301	15	financial	financial	ADJ
easat-7157	301	16	resources	resource	NOUN
easat-7157	301	17	,	,	PUNCT
easat-7157	301	18	ultimately	ultimately	ADV
easat-7157	301	19	leading	lead	VERB
easat-7157	301	20	to	to	ADP
easat-7157	301	21	economic	economic	ADJ
easat-7157	301	22	growth	growth	NOUN
easat-7157	301	23	.	.	PUNCT
easat-7157	302	1	financial	financial	ADJ
easat-7157	302	2	inclusion	inclusion	NOUN
easat-7157	302	3	is	be	AUX
easat-7157	302	4	addressed	address	VERB
easat-7157	302	5	by	by	ADP
easat-7157	302	6	employing	employ	VERB
easat-7157	302	7	tech	tech	NOUN
easat-7157	302	8	advancements	advancement	NOUN
easat-7157	302	9	such	such	ADJ
easat-7157	302	10	as	as	ADP
easat-7157	302	11	ai	ai	VERB
easat-7157	302	12	to	to	PART
easat-7157	302	13	expand	expand	VERB
easat-7157	302	14	the	the	DET
easat-7157	302	15	financial	financial	ADJ
easat-7157	302	16	services	service	NOUN
easat-7157	302	17	sector	sector	NOUN
easat-7157	302	18	and	and	CCONJ
easat-7157	302	19	introduce	introduce	VERB
easat-7157	302	20	new	new	ADJ
easat-7157	302	21	digital	digital	ADJ
easat-7157	302	22	finance	finance	NOUN
easat-7157	302	23	options	option	NOUN
easat-7157	302	24	,	,	PUNCT
easat-7157	302	25	broadening	broaden	VERB
easat-7157	302	26	the	the	DET
easat-7157	302	27	range	range	NOUN
easat-7157	302	28	of	of	ADP
easat-7157	302	29	financial	financial	ADJ
easat-7157	302	30	instruments	instrument	NOUN
easat-7157	302	31	available	available	ADJ
easat-7157	302	32	to	to	PART
easat-7157	302	33	meet	meet	VERB
easat-7157	302	34	community	community	NOUN
easat-7157	302	35	needs	need	VERB
easat-7157	302	36	[	[	X
easat-7157	302	37	56	56	NUM
easat-7157	302	38	]	]	SYM
easat-7157	302	39	.	.	PUNCT
easat-7157	303	1	5	5	X
easat-7157	303	2	.	.	X
easat-7157	303	3	conceptual	conceptual	ADJ
easat-7157	303	4	framework	framework	NOUN
easat-7157	303	5	and	and	CCONJ
easat-7157	303	6	proposition	proposition	NOUN
easat-7157	303	7	development	development	NOUN
easat-7157	303	8	technological	technological	ADJ
easat-7157	303	9	advancements	advancement	NOUN
easat-7157	303	10	have	have	AUX
easat-7157	303	11	advanced	advance	VERB
easat-7157	303	12	rapidly	rapidly	ADV
easat-7157	303	13	,	,	PUNCT
easat-7157	303	14	leading	lead	VERB
easat-7157	303	15	to	to	ADP
easat-7157	303	16	their	their	PRON
easat-7157	303	17	integration	integration	NOUN
easat-7157	303	18	into	into	ADP
easat-7157	303	19	business	business	NOUN
easat-7157	303	20	.	.	PUNCT
easat-7157	304	1	consequently	consequently	ADV
easat-7157	304	2	,	,	PUNCT
easat-7157	304	3	ai	ai	VERB
easat-7157	304	4	adoption	adoption	NOUN
easat-7157	304	5	has	have	AUX
easat-7157	304	6	become	become	VERB
easat-7157	304	7	an	an	DET
easat-7157	304	8	intrinsic	intrinsic	ADJ
easat-7157	304	9	opportunity	opportunity	NOUN
easat-7157	304	10	in	in	ADP
easat-7157	304	11	the	the	DET
easat-7157	304	12	financial	financial	ADJ
easat-7157	304	13	sectors	sector	NOUN
easat-7157	304	14	of	of	ADP
easat-7157	304	15	emerging	emerge	VERB
easat-7157	304	16	economies	economy	NOUN
easat-7157	304	17	.	.	PUNCT
easat-7157	305	1	however	however	ADV
easat-7157	305	2	,	,	PUNCT
easat-7157	305	3	an	an	DET
easat-7157	305	4	analysis	analysis	NOUN
easat-7157	305	5	of	of	ADP
easat-7157	305	6	the	the	DET
easat-7157	305	7	existing	exist	VERB
easat-7157	305	8	ai	ai	PROPN
easat-7157	305	9	literature	literature	NOUN
easat-7157	305	10	reveals	reveal	VERB
easat-7157	305	11	a	a	DET
easat-7157	305	12	lack	lack	NOUN
easat-7157	305	13	of	of	ADP
easat-7157	305	14	theoretical	theoretical	ADJ
easat-7157	305	15	mechanisms	mechanism	NOUN
easat-7157	305	16	to	to	PART
easat-7157	305	17	illustrate	illustrate	VERB
easat-7157	305	18	the	the	DET
easat-7157	305	19	significant	significant	ADJ
easat-7157	305	20	factors	factor	NOUN
easat-7157	305	21	driving	drive	VERB
easat-7157	305	22	the	the	DET
easat-7157	305	23	ai	ai	ADJ
easat-7157	305	24	adoption	adoption	NOUN
easat-7157	305	25	process	process	NOUN
easat-7157	305	26	and	and	CCONJ
easat-7157	305	27	its	its	PRON
easat-7157	305	28	effects	effect	NOUN
easat-7157	305	29	on	on	ADP
easat-7157	305	30	financial	financial	ADJ
easat-7157	305	31	inclusion	inclusion	NOUN
easat-7157	305	32	.	.	PUNCT
easat-7157	306	1	hence	hence	ADV
easat-7157	306	2	,	,	PUNCT
easat-7157	306	3	this	this	DET
easat-7157	306	4	study	study	NOUN
easat-7157	306	5	proposes	propose	VERB
easat-7157	306	6	an	an	DET
easat-7157	306	7	initial	initial	ADJ
easat-7157	306	8	theoretical	theoretical	ADJ
easat-7157	306	9	framework	framework	NOUN
easat-7157	306	10	grounded	ground	VERB
easat-7157	306	11	in	in	ADP
easat-7157	306	12	theory	theory	NOUN
easat-7157	306	13	to	to	PART
easat-7157	306	14	enhance	enhance	VERB
easat-7157	306	15	understanding	understanding	NOUN
easat-7157	306	16	of	of	ADP
easat-7157	306	17	these	these	DET
easat-7157	306	18	concepts	concept	NOUN
easat-7157	306	19	.	.	PUNCT
easat-7157	307	1	this	this	PRON
easat-7157	307	2	provides	provide	VERB
easat-7157	307	3	a	a	DET
easat-7157	307	4	practical	practical	ADJ
easat-7157	307	5	foundation	foundation	NOUN
easat-7157	307	6	for	for	ADP
easat-7157	307	7	applying	apply	VERB
easat-7157	307	8	these	these	DET
easat-7157	307	9	theories	theory	NOUN
easat-7157	307	10	to	to	PART
easat-7157	307	11	implement	implement	VERB
easat-7157	307	12	technological	technological	ADJ
easat-7157	307	13	innovation	innovation	NOUN
easat-7157	307	14	.	.	PUNCT
easat-7157	308	1	furthermore	furthermore	ADV
easat-7157	308	2	,	,	PUNCT
easat-7157	308	3	based	base	VERB
easat-7157	308	4	on	on	ADP
easat-7157	308	5	the	the	DET
easat-7157	308	6	doi	doi	PROPN
easat-7157	308	7	theory	theory	NOUN
easat-7157	308	8	developed	develop	VERB
easat-7157	308	9	by	by	ADP
easat-7157	308	10	rogers	roger	NOUN
easat-7157	308	11	[	[	X
easat-7157	308	12	69	69	NUM
easat-7157	308	13	]	]	PUNCT
easat-7157	308	14	which	which	PRON
easat-7157	308	15	explores	explore	VERB
easat-7157	308	16	the	the	DET
easat-7157	308	17	new	new	ADJ
easat-7157	308	18	behaviours	behaviour	NOUN
easat-7157	308	19	of	of	ADP
easat-7157	308	20	firms	firm	NOUN
easat-7157	308	21	in	in	ADP
easat-7157	308	22	adopting	adopt	VERB
easat-7157	308	23	technology	technology	NOUN
easat-7157	308	24	to	to	PART
easat-7157	308	25	adapt	adapt	VERB
easat-7157	308	26	to	to	PART
easat-7157	308	27	change	change	VERB
easat-7157	308	28	,	,	PUNCT
easat-7157	308	29	financial	financial	ADJ
easat-7157	308	30	inclusion	inclusion	NOUN
easat-7157	308	31	initiatives	initiative	NOUN
easat-7157	308	32	currently	currently	ADV
easat-7157	308	33	encourage	encourage	VERB
easat-7157	308	34	the	the	DET
easat-7157	308	35	adoption	adoption	NOUN
easat-7157	308	36	of	of	ADP
easat-7157	308	37	ai	ai	PROPN
easat-7157	308	38	as	as	ADP
easat-7157	308	39	a	a	DET
easat-7157	308	40	solution	solution	NOUN
easat-7157	308	41	[	[	X
easat-7157	308	42	70	70	NUM
easat-7157	308	43	]	]	PUNCT
easat-7157	308	44	.	.	PUNCT
easat-7157	309	1	toe	toe	NOUN
easat-7157	309	2	framework	framework	NOUN
easat-7157	309	3	developed	develop	VERB
easat-7157	309	4	by	by	ADP
easat-7157	309	5	tornatzky	tornatzky	ADJ
easat-7157	309	6	and	and	CCONJ
easat-7157	309	7	fleischer	fleischer	NOUN
easat-7157	310	1	[	[	X
easat-7157	310	2	71	71	NUM
easat-7157	310	3	]	]	PUNCT
easat-7157	310	4	illustrates	illustrate	VERB
easat-7157	310	5	the	the	DET
easat-7157	310	6	adoption	adoption	NOUN
easat-7157	310	7	process	process	NOUN
easat-7157	310	8	,	,	PUNCT
easat-7157	310	9	providing	provide	VERB
easat-7157	310	10	clarity	clarity	NOUN
easat-7157	310	11	to	to	ADP
easat-7157	310	12	managers	manager	NOUN
easat-7157	310	13	,	,	PUNCT
easat-7157	310	14	policymakers	policymaker	NOUN
easat-7157	310	15	,	,	PUNCT
easat-7157	310	16	and	and	CCONJ
easat-7157	310	17	stakeholders	stakeholder	NOUN
easat-7157	310	18	regarding	regard	VERB
easat-7157	310	19	implementing	implement	VERB
easat-7157	310	20	ai	ai	PROPN
easat-7157	310	21	innovations	innovation	NOUN
easat-7157	310	22	.	.	PUNCT
easat-7157	311	1	thus	thus	ADV
easat-7157	311	2	,	,	PUNCT
easat-7157	311	3	integrating	integrate	VERB
easat-7157	311	4	doi	doi	NOUN
easat-7157	311	5	theory	theory	NOUN
easat-7157	311	6	with	with	ADP
easat-7157	311	7	the	the	DET
easat-7157	311	8	toe	toe	NOUN
easat-7157	311	9	framework	framework	NOUN
easat-7157	311	10	is	be	AUX
easat-7157	311	11	able	able	ADJ
easat-7157	311	12	to	to	PART
easat-7157	311	13	explain	explain	VERB
easat-7157	311	14	well	well	ADV
easat-7157	311	15	how	how	SCONJ
easat-7157	311	16	strategic	strategic	ADJ
easat-7157	311	17	goals	goal	NOUN
easat-7157	311	18	can	can	AUX
easat-7157	311	19	shape	shape	VERB
easat-7157	311	20	organizations	organization	NOUN
easat-7157	311	21	’	'	PUNCT
easat-7157	311	22	compatibility	compatibility	NOUN
easat-7157	311	23	with	with	ADP
easat-7157	311	24	potential	potential	ADJ
easat-7157	311	25	technology	technology	NOUN
easat-7157	311	26	to	to	PART
easat-7157	311	27	maximise	maximise	VERB
easat-7157	311	28	opportunities	opportunity	NOUN
easat-7157	311	29	of	of	ADP
easat-7157	311	30	adoption	adoption	NOUN
easat-7157	311	31	processing	process	VERB
easat-7157	311	32	.	.	PUNCT
easat-7157	312	1	in	in	ADP
easat-7157	312	2	this	this	DET
easat-7157	312	3	study	study	NOUN
easat-7157	312	4	,	,	PUNCT
easat-7157	312	5	the	the	DET
easat-7157	312	6	emergence	emergence	NOUN
easat-7157	312	7	of	of	ADP
easat-7157	312	8	doi	doi	NOUN
easat-7157	312	9	theory	theory	NOUN
easat-7157	312	10	and	and	CCONJ
easat-7157	312	11	the	the	DET
easat-7157	312	12	toe	toe	NOUN
easat-7157	312	13	framework	framework	NOUN
easat-7157	312	14	highlights	highlight	VERB
easat-7157	312	15	the	the	DET
easat-7157	312	16	factors	factor	NOUN
easat-7157	312	17	that	that	PRON
easat-7157	312	18	enhance	enhance	VERB
easat-7157	312	19	ai	ai	VERB
easat-7157	312	20	adoption	adoption	NOUN
easat-7157	312	21	in	in	ADP
easat-7157	312	22	the	the	DET
easat-7157	312	23	financial	financial	ADJ
easat-7157	312	24	sector	sector	NOUN
easat-7157	312	25	of	of	ADP
easat-7157	312	26	emerging	emerge	VERB
easat-7157	312	27	economies	economy	NOUN
easat-7157	312	28	,	,	PUNCT
easat-7157	312	29	with	with	ADP
easat-7157	312	30	organizational	organizational	ADJ
easat-7157	312	31	factors	factor	NOUN
easat-7157	312	32	and	and	CCONJ
easat-7157	312	33	social	social	ADJ
easat-7157	312	34	influence	influence	NOUN
easat-7157	312	35	playing	play	VERB
easat-7157	312	36	significant	significant	ADJ
easat-7157	312	37	roles	role	NOUN
easat-7157	312	38	in	in	ADP
easat-7157	312	39	driving	drive	VERB
easat-7157	312	40	innovation	innovation	NOUN
easat-7157	312	41	adoption	adoption	NOUN
easat-7157	312	42	,	,	PUNCT
easat-7157	312	43	as	as	SCONJ
easat-7157	312	44	shown	show	VERB
easat-7157	312	45	in	in	ADP
easat-7157	312	46	figure	figure	NOUN
easat-7157	312	47	5	5	NUM
easat-7157	312	48	.	.	PUNCT
easat-7157	313	1	this	this	DET
easat-7157	313	2	study	study	NOUN
easat-7157	313	3	provides	provide	VERB
easat-7157	313	4	a	a	DET
easat-7157	313	5	sequence	sequence	NOUN
easat-7157	313	6	for	for	ADP
easat-7157	313	7	implementing	implement	VERB
easat-7157	313	8	these	these	DET
easat-7157	313	9	innovations	innovation	NOUN
easat-7157	313	10	to	to	PART
easat-7157	313	11	achieve	achieve	VERB
easat-7157	313	12	financial	financial	ADJ
easat-7157	313	13	inclusion	inclusion	NOUN
easat-7157	313	14	through	through	ADP
easat-7157	313	15	a	a	DET
easat-7157	313	16	toe	toe	NOUN
easat-7157	313	17	lens	len	NOUN
easat-7157	313	18	.	.	PUNCT
easat-7157	314	1	the	the	DET
easat-7157	314	2	proposed	propose	VERB
easat-7157	314	3	framework	framework	NOUN
easat-7157	314	4	in	in	ADP
easat-7157	314	5	figure	figure	NOUN
easat-7157	314	6	5	5	NUM
easat-7157	314	7	is	be	AUX
easat-7157	314	8	a	a	DET
easat-7157	314	9	unique	unique	ADJ
easat-7157	314	10	contribution	contribution	NOUN
easat-7157	314	11	,	,	PUNCT
easat-7157	314	12	illustrating	illustrate	VERB
easat-7157	314	13	the	the	DET
easat-7157	314	14	significant	significant	ADJ
easat-7157	314	15	factors	factor	NOUN
easat-7157	314	16	that	that	PRON
easat-7157	314	17	drive	drive	VERB
easat-7157	314	18	ai	ai	VERB
easat-7157	314	19	and	and	CCONJ
easat-7157	314	20	its	its	PRON
easat-7157	314	21	impact	impact	NOUN
easat-7157	314	22	on	on	ADP
easat-7157	314	23	financial	financial	ADJ
easat-7157	314	24	inclusion	inclusion	NOUN
easat-7157	314	25	through	through	ADP
easat-7157	314	26	the	the	DET
easat-7157	314	27	lens	lens	NOUN
easat-7157	314	28	of	of	ADP
easat-7157	314	29	doi	doi	NOUN
easat-7157	314	30	theory	theory	NOUN
easat-7157	314	31	and	and	CCONJ
easat-7157	314	32	the	the	DET
easat-7157	314	33	toe	toe	NOUN
easat-7157	314	34	framework	framework	NOUN
easat-7157	314	35	.	.	PUNCT
easat-7157	315	1	this	this	DET
easat-7157	315	2	approach	approach	NOUN
easat-7157	315	3	clarifies	clarify	VERB
easat-7157	315	4	the	the	DET
easat-7157	315	5	adoption	adoption	NOUN
easat-7157	315	6	process	process	NOUN
easat-7157	315	7	by	by	ADP
easat-7157	315	8	first	first	ADV
easat-7157	315	9	addressing	address	VERB
easat-7157	315	10	technological	technological	ADJ
easat-7157	315	11	readiness	readiness	NOUN
easat-7157	315	12	,	,	PUNCT
easat-7157	315	13	followed	follow	VERB
easat-7157	315	14	by	by	ADP
easat-7157	315	15	organizational	organizational	ADJ
easat-7157	315	16	,	,	PUNCT
easat-7157	315	17	social	social	ADJ
easat-7157	315	18	influences	influence	NOUN
easat-7157	315	19	,	,	PUNCT
easat-7157	315	20	and	and	CCONJ
easat-7157	315	21	ethical	ethical	ADJ
easat-7157	315	22	consideration	consideration	NOUN
easat-7157	315	23	.	.	PUNCT
easat-7157	316	1	integrating	integrate	VERB
easat-7157	316	2	these	these	DET
easat-7157	316	3	factors	factor	NOUN
easat-7157	316	4	increases	increase	VERB
easat-7157	316	5	the	the	DET
easat-7157	316	6	potential	potential	NOUN
easat-7157	316	7	for	for	SCONJ
easat-7157	316	8	organizations	organization	NOUN
easat-7157	316	9	to	to	PART
easat-7157	316	10	adopt	adopt	VERB
easat-7157	316	11	technological	technological	ADJ
easat-7157	316	12	innovation.8	innovation.8	NOUN
easat-7157	316	13	1314	1314	NUM
easat-7157	316	14	edelweiss	edelweiss	PROPN
easat-7157	316	15	applied	apply	VERB
easat-7157	316	16	science	science	NOUN
easat-7157	316	17	and	and	CCONJ
easat-7157	316	18	technology	technology	NOUN
easat-7157	316	19	issn	issn	PROPN
easat-7157	316	20	:	:	PUNCT
easat-7157	316	21	2576	2576	NUM
easat-7157	316	22	-	-	SYM
easat-7157	316	23	8484	8484	NUM
easat-7157	316	24	vol	vol	NOUN
easat-7157	316	25	.	.	PROPN
easat-7157	317	1	9	9	NUM
easat-7157	317	2	,	,	PUNCT
easat-7157	317	3	no	no	INTJ
easat-7157	317	4	.	.	NOUN
easat-7157	317	5	5	5	NUM
easat-7157	317	6	:	:	SYM
easat-7157	317	7	1302	1302	NUM
easat-7157	317	8	-	-	SYM
easat-7157	317	9	1323	1323	NUM
easat-7157	317	10	,	,	PUNCT
easat-7157	317	11	2025	2025	NUM
easat-7157	317	12	doi	doi	NOUN
easat-7157	317	13	:	:	PUNCT
easat-7157	317	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	317	15	©	©	ADP
easat-7157	317	16	2025	2025	NUM
easat-7157	317	17	by	by	ADP
easat-7157	317	18	the	the	DET
easat-7157	317	19	authors	author	NOUN
easat-7157	317	20	;	;	PUNCT
easat-7157	317	21	licensee	licensee	PROPN
easat-7157	317	22	learning	learn	VERB
easat-7157	317	23	gate	gate	PROPN
easat-7157	317	24	figure	figure	NOUN
easat-7157	317	25	5	5	NUM
easat-7157	317	26	.	.	PUNCT
easat-7157	317	27	proposed	propose	VERB
easat-7157	317	28	framework	framework	NOUN
easat-7157	317	29	for	for	ADP
easat-7157	317	30	the	the	DET
easat-7157	317	31	role	role	NOUN
easat-7157	317	32	of	of	ADP
easat-7157	317	33	ai	ai	VERB
easat-7157	317	34	in	in	ADP
easat-7157	317	35	financial	financial	ADJ
easat-7157	317	36	inclusion	inclusion	NOUN
easat-7157	317	37	.	.	PUNCT
easat-7157	318	1	this	this	DET
easat-7157	318	2	study	study	NOUN
easat-7157	318	3	explores	explore	VERB
easat-7157	318	4	the	the	DET
easat-7157	318	5	challenges	challenge	NOUN
easat-7157	318	6	of	of	ADP
easat-7157	318	7	ai	ai	ADJ
easat-7157	318	8	adoption	adoption	NOUN
easat-7157	318	9	in	in	ADP
easat-7157	318	10	advancing	advance	VERB
easat-7157	318	11	financial	financial	ADJ
easat-7157	318	12	inclusion	inclusion	NOUN
easat-7157	318	13	by	by	ADP
easat-7157	318	14	focusing	focus	VERB
easat-7157	318	15	on	on	ADP
easat-7157	318	16	factors	factor	NOUN
easat-7157	318	17	such	such	ADJ
easat-7157	318	18	as	as	ADP
easat-7157	318	19	technological	technological	ADJ
easat-7157	318	20	readiness	readiness	NOUN
easat-7157	318	21	,	,	PUNCT
easat-7157	318	22	organizational	organizational	ADJ
easat-7157	318	23	capabilities	capability	NOUN
easat-7157	318	24	,	,	PUNCT
easat-7157	318	25	social	social	ADJ
easat-7157	318	26	trust	trust	NOUN
easat-7157	318	27	,	,	PUNCT
easat-7157	318	28	and	and	CCONJ
easat-7157	318	29	ethical	ethical	ADJ
easat-7157	318	30	considerations	consideration	NOUN
easat-7157	318	31	.	.	PUNCT
easat-7157	319	1	this	this	PRON
easat-7157	319	2	emphasizes	emphasize	VERB
easat-7157	319	3	the	the	DET
easat-7157	319	4	need	need	NOUN
easat-7157	319	5	for	for	ADP
easat-7157	319	6	sophisticated	sophisticated	ADJ
easat-7157	319	7	ai	ai	NOUN
easat-7157	319	8	integration	integration	NOUN
easat-7157	319	9	and	and	CCONJ
easat-7157	319	10	how	how	SCONJ
easat-7157	319	11	these	these	DET
easat-7157	319	12	factors	factor	NOUN
easat-7157	319	13	shape	shape	VERB
easat-7157	319	14	the	the	DET
easat-7157	319	15	adoption	adoption	NOUN
easat-7157	319	16	process	process	NOUN
easat-7157	319	17	and	and	CCONJ
easat-7157	319	18	its	its	PRON
easat-7157	319	19	outcomes	outcome	NOUN
easat-7157	319	20	.	.	PUNCT
easat-7157	320	1	implementing	implement	VERB
easat-7157	320	2	the	the	DET
easat-7157	320	3	toe	toe	NOUN
easat-7157	320	4	model	model	NOUN
easat-7157	320	5	and	and	CCONJ
easat-7157	320	6	diffusion	diffusion	NOUN
easat-7157	320	7	of	of	ADP
easat-7157	320	8	innovation	innovation	NOUN
easat-7157	320	9	theory	theory	NOUN
easat-7157	320	10	offers	offer	VERB
easat-7157	320	11	valuable	valuable	ADJ
easat-7157	320	12	insights	insight	NOUN
easat-7157	320	13	for	for	ADP
easat-7157	320	14	decision	decision	NOUN
easat-7157	320	15	-	-	PUNCT
easat-7157	320	16	makers	maker	NOUN
easat-7157	320	17	and	and	CCONJ
easat-7157	320	18	policymakers	policymaker	NOUN
easat-7157	320	19	,	,	PUNCT
easat-7157	320	20	strengthening	strengthen	VERB
easat-7157	320	21	the	the	DET
easat-7157	320	22	theoretical	theoretical	ADJ
easat-7157	320	23	framework	framework	NOUN
easat-7157	320	24	,	,	PUNCT
easat-7157	320	25	and	and	CCONJ
easat-7157	320	26	providing	provide	VERB
easat-7157	320	27	practical	practical	ADJ
easat-7157	320	28	guidance	guidance	NOUN
easat-7157	320	29	for	for	ADP
easat-7157	320	30	ai	ai	PRON
easat-7157	320	31	implementation	implementation	NOUN
easat-7157	320	32	in	in	ADP
easat-7157	320	33	financial	financial	ADJ
easat-7157	320	34	services	service	NOUN
easat-7157	320	35	.	.	PUNCT
easat-7157	321	1	5.1	5.1	NUM
easat-7157	321	2	.	.	PUNCT
easat-7157	322	1	technological	technological	ADJ
easat-7157	322	2	readiness	readiness	NOUN
easat-7157	322	3	and	and	CCONJ
easat-7157	322	4	ai	ai	VERB
easat-7157	322	5	technological	technological	ADJ
easat-7157	322	6	readiness	readiness	NOUN
easat-7157	322	7	plays	play	VERB
easat-7157	322	8	a	a	DET
easat-7157	322	9	critical	critical	ADJ
easat-7157	322	10	role	role	NOUN
easat-7157	322	11	for	for	ADP
easat-7157	322	12	increases	increase	NOUN
easat-7157	322	13	an	an	DET
easat-7157	322	14	organization	organization	NOUN
easat-7157	322	15	’s	’s	PART
easat-7157	322	16	capability	capability	NOUN
easat-7157	322	17	to	to	PART
easat-7157	322	18	implement	implement	VERB
easat-7157	322	19	technological	technological	ADJ
easat-7157	322	20	innovation	innovation	NOUN
easat-7157	322	21	based	base	VERB
easat-7157	322	22	on	on	ADP
easat-7157	322	23	market	market	NOUN
easat-7157	322	24	needs	need	NOUN
easat-7157	322	25	[	[	X
easat-7157	322	26	23	23	NUM
easat-7157	322	27	]	]	PUNCT
easat-7157	322	28	.	.	PUNCT
easat-7157	323	1	according	accord	VERB
easat-7157	323	2	to	to	ADP
easat-7157	323	3	some	some	DET
easat-7157	323	4	studies	study	NOUN
easat-7157	323	5	,	,	PUNCT
easat-7157	323	6	including	include	VERB
easat-7157	323	7	[	[	X
easat-7157	323	8	14	14	NUM
easat-7157	323	9	,	,	PUNCT
easat-7157	323	10	49	49	NUM
easat-7157	323	11	,	,	PUNCT
easat-7157	323	12	51	51	NUM
easat-7157	323	13	,	,	PUNCT
easat-7157	323	14	54	54	NUM
easat-7157	323	15	]	]	PUNCT
easat-7157	323	16	that	that	SCONJ
easat-7157	323	17	the	the	DET
easat-7157	323	18	technology	technology	NOUN
easat-7157	323	19	readiness	readiness	NOUN
easat-7157	323	20	has	have	VERB
easat-7157	323	21	a	a	DET
easat-7157	323	22	significantly	significantly	ADJ
easat-7157	323	23	impact	impact	NOUN
easat-7157	323	24	on	on	ADP
easat-7157	323	25	the	the	DET
easat-7157	323	26	ai	ai	ADJ
easat-7157	323	27	adoption	adoption	NOUN
easat-7157	323	28	.	.	PUNCT
easat-7157	324	1	furthermore	furthermore	ADV
easat-7157	324	2	,	,	PUNCT
easat-7157	324	3	uren	uren	PROPN
easat-7157	324	4	and	and	CCONJ
easat-7157	324	5	edwards	edwards	PROPN
easat-7157	325	1	[	[	X
easat-7157	325	2	23	23	NUM
easat-7157	325	3	]	]	PUNCT
easat-7157	325	4	found	find	VERB
easat-7157	325	5	that	that	SCONJ
easat-7157	325	6	the	the	DET
easat-7157	325	7	technological	technological	ADJ
easat-7157	325	8	maturity	maturity	NOUN
easat-7157	325	9	enhances	enhance	NOUN
easat-7157	325	10	ai	ai	VERB
easat-7157	325	11	adoption	adoption	NOUN
easat-7157	325	12	to	to	PART
easat-7157	325	13	improve	improve	VERB
easat-7157	325	14	operations	operation	NOUN
easat-7157	325	15	of	of	ADP
easat-7157	325	16	companies	company	NOUN
easat-7157	325	17	.	.	PUNCT
easat-7157	326	1	thus	thus	ADV
easat-7157	326	2	,	,	PUNCT
easat-7157	326	3	technological	technological	ADJ
easat-7157	326	4	readiness	readiness	NOUN
easat-7157	326	5	is	be	AUX
easat-7157	326	6	essential	essential	ADJ
easat-7157	326	7	for	for	ADP
easat-7157	326	8	the	the	DET
easat-7157	326	9	successful	successful	ADJ
easat-7157	326	10	long	long	ADJ
easat-7157	326	11	-	-	PUNCT
easat-7157	326	12	term	term	NOUN
easat-7157	326	13	adoption	adoption	NOUN
easat-7157	326	14	of	of	ADP
easat-7157	326	15	ai	ai	PROPN
easat-7157	326	16	[	[	X
easat-7157	326	17	54	54	NUM
easat-7157	326	18	]	]	PUNCT
easat-7157	326	19	.	.	PUNCT
easat-7157	327	1	digital	digital	ADJ
easat-7157	327	2	maturity	maturity	NOUN
easat-7157	327	3	encompasses	encompass	VERB
easat-7157	327	4	the	the	DET
easat-7157	327	5	skills	skill	NOUN
easat-7157	327	6	,	,	PUNCT
easat-7157	327	7	knowledge	knowledge	NOUN
easat-7157	327	8	,	,	PUNCT
easat-7157	327	9	experience	experience	NOUN
easat-7157	327	10	,	,	PUNCT
easat-7157	327	11	and	and	CCONJ
easat-7157	327	12	infrastructure	infrastructure	NOUN
easat-7157	327	13	facilitating	facilitate	VERB
easat-7157	327	14	ai	ai	VERB
easat-7157	327	15	implementation	implementation	NOUN
easat-7157	327	16	[	[	X
easat-7157	327	17	21	21	NUM
easat-7157	327	18	,	,	PUNCT
easat-7157	327	19	72	72	NUM
easat-7157	327	20	]	]	PUNCT
easat-7157	327	21	.	.	PUNCT
easat-7157	328	1	moreover	moreover	ADV
easat-7157	328	2	,	,	PUNCT
easat-7157	328	3	technological	technological	ADJ
easat-7157	328	4	readiness	readiness	NOUN
easat-7157	328	5	includes	include	VERB
easat-7157	328	6	customer	customer	NOUN
easat-7157	328	7	acceptance	acceptance	NOUN
easat-7157	328	8	of	of	ADP
easat-7157	328	9	technological	technological	ADJ
easat-7157	328	10	innovation	innovation	NOUN
easat-7157	328	11	services	service	NOUN
easat-7157	328	12	,	,	PUNCT
easat-7157	328	13	which	which	PRON
easat-7157	328	14	leads	lead	VERB
easat-7157	328	15	to	to	ADP
easat-7157	328	16	increased	increase	VERB
easat-7157	328	17	adoption	adoption	NOUN
easat-7157	328	18	of	of	ADP
easat-7157	328	19	innovations	innovation	NOUN
easat-7157	328	20	,	,	PUNCT
easat-7157	328	21	such	such	ADJ
easat-7157	328	22	as	as	ADP
easat-7157	328	23	ai	ai	PROPN
easat-7157	328	24	services	service	NOUN
easat-7157	328	25	[	[	X
easat-7157	328	26	49	49	NUM
easat-7157	328	27	]	]	PUNCT
easat-7157	328	28	.	.	PUNCT
easat-7157	329	1	nevertheless	nevertheless	ADV
easat-7157	329	2	,	,	PUNCT
easat-7157	329	3	the	the	DET
easat-7157	329	4	low	low	ADJ
easat-7157	329	5	readiness	readiness	NOUN
easat-7157	329	6	of	of	ADP
easat-7157	329	7	the	the	DET
easat-7157	329	8	technology	technology	NOUN
easat-7157	329	9	infrastructure	infrastructure	NOUN
easat-7157	329	10	complicates	complicate	VERB
easat-7157	329	11	ai	ai	VERB
easat-7157	329	12	adoption	adoption	NOUN
easat-7157	329	13	,	,	PUNCT
easat-7157	329	14	as	as	SCONJ
easat-7157	329	15	it	it	PRON
easat-7157	329	16	requires	require	VERB
easat-7157	329	17	advanced	advanced	ADJ
easat-7157	329	18	technologies	technology	NOUN
easat-7157	329	19	and	and	CCONJ
easat-7157	329	20	data	datum	NOUN
easat-7157	329	21	,	,	PUNCT
easat-7157	329	22	which	which	PRON
easat-7157	329	23	create	create	VERB
easat-7157	329	24	barriers	barrier	NOUN
easat-7157	329	25	to	to	ADP
easat-7157	329	26	successful	successful	ADJ
easat-7157	329	27	implementation	implementation	NOUN
easat-7157	329	28	.	.	PUNCT
easat-7157	330	1	in	in	ADP
easat-7157	330	2	addition	addition	NOUN
easat-7157	330	3	,	,	PUNCT
easat-7157	330	4	limited	limited	ADJ
easat-7157	330	5	technological	technological	ADJ
easat-7157	330	6	resources	resource	NOUN
easat-7157	330	7	increase	increase	VERB
easat-7157	330	8	the	the	DET
easat-7157	330	9	cost	cost	NOUN
easat-7157	330	10	of	of	ADP
easat-7157	330	11	ai	ai	ADJ
easat-7157	330	12	adoption	adoption	NOUN
easat-7157	330	13	.	.	PUNCT
easat-7157	331	1	furthermore	furthermore	ADV
easat-7157	331	2	,	,	PUNCT
easat-7157	331	3	most	most	ADJ
easat-7157	331	4	tech	tech	NOUN
easat-7157	331	5	advancements	advancement	NOUN
easat-7157	331	6	aim	aim	VERB
easat-7157	331	7	to	to	PART
easat-7157	331	8	implement	implement	VERB
easat-7157	331	9	ai	ai	VERB
easat-7157	331	10	at	at	ADP
easat-7157	331	11	a	a	DET
easat-7157	331	12	low	low	ADJ
easat-7157	331	13	cost	cost	NOUN
easat-7157	331	14	,	,	PUNCT
easat-7157	331	15	depending	depend	VERB
easat-7157	331	16	on	on	ADP
easat-7157	331	17	the	the	DET
easat-7157	331	18	maturity	maturity	NOUN
easat-7157	331	19	of	of	ADP
easat-7157	331	20	the	the	DET
easat-7157	331	21	financial	financial	ADJ
easat-7157	331	22	organization	organization	NOUN
easat-7157	331	23	’s	’s	PART
easat-7157	331	24	capabilities	capability	NOUN
easat-7157	331	25	[	[	X
easat-7157	331	26	55	55	NUM
easat-7157	331	27	]	]	PUNCT
easat-7157	331	28	.	.	PUNCT
easat-7157	332	1	additionally	additionally	ADV
easat-7157	332	2	,	,	PUNCT
easat-7157	332	3	technical	technical	ADJ
easat-7157	332	4	skills	skill	NOUN
easat-7157	332	5	and	and	CCONJ
easat-7157	332	6	an	an	DET
easat-7157	332	7	understanding	understanding	NOUN
easat-7157	332	8	of	of	ADP
easat-7157	332	9	r&d	r&d	NOUN
easat-7157	332	10	simplify	simplify	VERB
easat-7157	332	11	the	the	DET
easat-7157	332	12	ai	ai	ADJ
easat-7157	332	13	adoption	adoption	NOUN
easat-7157	332	14	process	process	NOUN
easat-7157	332	15	.	.	PUNCT
easat-7157	333	1	overall	overall	ADJ
easat-7157	333	2	,	,	PUNCT
easat-7157	333	3	doi	doi	NOUN
easat-7157	333	4	theory	theory	NOUN
easat-7157	333	5	asserts	assert	VERB
easat-7157	333	6	that	that	SCONJ
easat-7157	333	7	ai	ai	VERB
easat-7157	333	8	innovation	innovation	NOUN
easat-7157	333	9	diffuses	diffuse	NOUN
easat-7157	333	10	within	within	ADP
easat-7157	333	11	firms	firm	NOUN
easat-7157	333	12	when	when	SCONJ
easat-7157	333	13	the	the	DET
easat-7157	333	14	advantages	advantage	NOUN
easat-7157	333	15	of	of	ADP
easat-7157	333	16	the	the	DET
easat-7157	333	17	new	new	ADJ
easat-7157	333	18	technology	technology	NOUN
easat-7157	333	19	exceed	exceed	VERB
easat-7157	333	20	those	those	PRON
easat-7157	333	21	of	of	ADP
easat-7157	333	22	the	the	DET
easat-7157	333	23	existing	exist	VERB
easat-7157	333	24	technology	technology	NOUN
easat-7157	333	25	,	,	PUNCT
easat-7157	333	26	where	where	SCONJ
easat-7157	333	27	ai	ai	NOUN
easat-7157	333	28	expands	expand	VERB
easat-7157	333	29	financial	financial	ADJ
easat-7157	333	30	services	service	NOUN
easat-7157	333	31	and	and	CCONJ
easat-7157	333	32	creates	create	VERB
easat-7157	333	33	new	new	ADJ
easat-7157	333	34	opportunities	opportunity	NOUN
easat-7157	333	35	that	that	PRON
easat-7157	333	36	increase	increase	VERB
easat-7157	333	37	efficiency	efficiency	NOUN
easat-7157	333	38	and	and	CCONJ
easat-7157	333	39	sustainability	sustainability	NOUN
easat-7157	333	40	[	[	X
easat-7157	333	41	54	54	NUM
easat-7157	333	42	]	]	PUNCT
easat-7157	333	43	.	.	PUNCT
easat-7157	334	1	technological	technological	ADJ
easat-7157	334	2	readiness	readiness	NOUN
easat-7157	334	3	refers	refer	VERB
easat-7157	334	4	to	to	ADP
easat-7157	334	5	trust	trust	NOUN
easat-7157	334	6	,	,	PUNCT
easat-7157	334	7	which	which	PRON
easat-7157	334	8	increases	increase	VERB
easat-7157	334	9	ai	ai	VERB
easat-7157	334	10	adoption	adoption	NOUN
easat-7157	334	11	among	among	ADP
easat-7157	334	12	firms	firm	NOUN
easat-7157	334	13	[	[	X
easat-7157	334	14	49	49	NUM
easat-7157	334	15	]	]	PUNCT
easat-7157	334	16	.	.	PUNCT
easat-7157	335	1	consequently	consequently	ADV
easat-7157	335	2	,	,	PUNCT
easat-7157	335	3	this	this	DET
easat-7157	335	4	study	study	NOUN
easat-7157	335	5	’s	’s	PART
easat-7157	335	6	first	first	ADJ
easat-7157	335	7	proposition	proposition	NOUN
easat-7157	335	8	is	be	AUX
easat-7157	335	9	as	as	SCONJ
easat-7157	335	10	follows	follow	VERB
easat-7157	335	11	:	:	PUNCT
easat-7157	335	12	p1	p1	NOUN
easat-7157	335	13	:	:	PUNCT
easat-7157	335	14	technological	technological	ADJ
easat-7157	335	15	readiness	readiness	NOUN
easat-7157	335	16	significantly	significantly	ADV
easat-7157	335	17	drives	drive	VERB
easat-7157	335	18	ai	ai	VERB
easat-7157	335	19	adoption	adoption	NOUN
easat-7157	335	20	among	among	ADP
easat-7157	335	21	financial	financial	ADJ
easat-7157	335	22	organizations	organization	NOUN
easat-7157	335	23	.	.	PUNCT
easat-7157	336	1	1315	1315	NUM
easat-7157	336	2	edelweiss	edelweiss	PROPN
easat-7157	336	3	applied	apply	VERB
easat-7157	336	4	science	science	NOUN
easat-7157	336	5	and	and	CCONJ
easat-7157	336	6	technology	technology	NOUN
easat-7157	336	7	issn	issn	PROPN
easat-7157	336	8	:	:	PUNCT
easat-7157	336	9	2576	2576	NUM
easat-7157	336	10	-	-	SYM
easat-7157	336	11	8484	8484	NUM
easat-7157	336	12	vol	vol	NOUN
easat-7157	336	13	.	.	PROPN
easat-7157	337	1	9	9	NUM
easat-7157	337	2	,	,	PUNCT
easat-7157	337	3	no	no	INTJ
easat-7157	337	4	.	.	NOUN
easat-7157	337	5	5	5	NUM
easat-7157	337	6	:	:	SYM
easat-7157	337	7	1302	1302	NUM
easat-7157	337	8	-	-	SYM
easat-7157	337	9	1323	1323	NUM
easat-7157	337	10	,	,	PUNCT
easat-7157	337	11	2025	2025	NUM
easat-7157	337	12	doi	doi	NOUN
easat-7157	337	13	:	:	PUNCT
easat-7157	337	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	337	15	©	©	ADP
easat-7157	337	16	2025	2025	NUM
easat-7157	337	17	by	by	ADP
easat-7157	337	18	the	the	DET
easat-7157	337	19	authors	author	NOUN
easat-7157	337	20	;	;	PUNCT
easat-7157	337	21	licensee	licensee	PROPN
easat-7157	337	22	learning	learning	NOUN
easat-7157	337	23	gate	gate	NOUN
easat-7157	337	24	5.2	5.2	NUM
easat-7157	337	25	.	.	PUNCT
easat-7157	338	1	organisational	organisational	ADJ
easat-7157	338	2	readiness	readiness	NOUN
easat-7157	338	3	and	and	CCONJ
easat-7157	338	4	ai	ai	VERB
easat-7157	338	5	the	the	DET
easat-7157	338	6	degree	degree	NOUN
easat-7157	338	7	to	to	PART
easat-7157	338	8	which	which	PRON
easat-7157	338	9	an	an	DET
easat-7157	338	10	organization	organization	NOUN
easat-7157	338	11	is	be	AUX
easat-7157	338	12	prepared	prepare	VERB
easat-7157	338	13	for	for	ADP
easat-7157	338	14	change	change	NOUN
easat-7157	338	15	enhances	enhance	VERB
easat-7157	338	16	its	its	PRON
easat-7157	338	17	capacity	capacity	NOUN
easat-7157	338	18	to	to	PART
easat-7157	338	19	effectively	effectively	ADV
easat-7157	338	20	implement	implement	VERB
easat-7157	338	21	new	new	ADJ
easat-7157	338	22	technologies	technology	NOUN
easat-7157	338	23	,	,	PUNCT
easat-7157	338	24	enabling	enable	VERB
easat-7157	338	25	it	it	PRON
easat-7157	338	26	to	to	PART
easat-7157	338	27	seize	seize	VERB
easat-7157	338	28	opportunities	opportunity	NOUN
easat-7157	338	29	for	for	ADP
easat-7157	338	30	technical	technical	ADJ
easat-7157	338	31	innovation	innovation	NOUN
easat-7157	338	32	and	and	CCONJ
easat-7157	338	33	take	take	VERB
easat-7157	338	34	advantage	advantage	NOUN
easat-7157	338	35	of	of	ADP
easat-7157	338	36	favourable	favourable	ADJ
easat-7157	338	37	economic	economic	ADJ
easat-7157	338	38	conditions	condition	NOUN
easat-7157	338	39	to	to	PART
easat-7157	338	40	launch	launch	VERB
easat-7157	338	41	new	new	ADJ
easat-7157	338	42	business	business	NOUN
easat-7157	338	43	models	model	NOUN
easat-7157	338	44	[	[	X
easat-7157	338	45	23	23	NUM
easat-7157	338	46	,	,	PUNCT
easat-7157	338	47	54	54	NUM
easat-7157	338	48	]	]	PUNCT
easat-7157	338	49	.	.	PUNCT
easat-7157	339	1	numerous	numerous	ADJ
easat-7157	339	2	studies	study	NOUN
easat-7157	339	3	have	have	AUX
easat-7157	339	4	shown	show	VERB
easat-7157	339	5	that	that	SCONJ
easat-7157	339	6	the	the	DET
easat-7157	339	7	adoption	adoption	NOUN
easat-7157	339	8	of	of	ADP
easat-7157	339	9	ai	ai	NOUN
easat-7157	339	10	in	in	ADP
easat-7157	339	11	business	business	NOUN
easat-7157	339	12	operations	operation	NOUN
easat-7157	339	13	and	and	CCONJ
easat-7157	339	14	procedures	procedure	NOUN
easat-7157	339	15	is	be	AUX
easat-7157	339	16	significantly	significantly	ADV
easat-7157	339	17	influenced	influence	VERB
easat-7157	339	18	by	by	ADP
easat-7157	339	19	organizational	organizational	ADJ
easat-7157	339	20	readiness	readiness	NOUN
easat-7157	339	21	.	.	PUNCT
easat-7157	340	1	for	for	ADP
easat-7157	340	2	example	example	NOUN
easat-7157	340	3	,	,	PUNCT
easat-7157	340	4	misra	misra	PROPN
easat-7157	340	5	,	,	PUNCT
easat-7157	340	6	et	et	PROPN
easat-7157	340	7	al	al	PROPN
easat-7157	340	8	.	.	PUNCT
easat-7157	341	1	[	[	X
easat-7157	341	2	50	50	NUM
easat-7157	341	3	]	]	PUNCT
easat-7157	341	4	;	;	PUNCT
easat-7157	341	5	wael	wael	PROPN
easat-7157	341	6	al	al	PROPN
easat-7157	341	7	-	-	PROPN
easat-7157	341	8	khatib	khatib	PROPN
easat-7157	341	9	[	[	X
easat-7157	341	10	73	73	NUM
easat-7157	341	11	]	]	PUNCT
easat-7157	341	12	jöhnk	jöhnk	NOUN
easat-7157	341	13	,	,	PUNCT
easat-7157	341	14	et	et	PROPN
easat-7157	341	15	al	al	PROPN
easat-7157	341	16	.	.	PUNCT
easat-7157	342	1	[	[	X
easat-7157	342	2	54	54	NUM
easat-7157	342	3	]	]	PUNCT
easat-7157	342	4	and	and	CCONJ
easat-7157	342	5	pai	pai	PROPN
easat-7157	342	6	and	and	CCONJ
easat-7157	342	7	chandra	chandra	PROPN
easat-7157	343	1	[	[	X
easat-7157	343	2	51	51	NUM
easat-7157	343	3	]	]	PUNCT
easat-7157	343	4	highlighted	highlight	VERB
easat-7157	343	5	that	that	SCONJ
easat-7157	343	6	organizational	organizational	ADJ
easat-7157	343	7	readiness	readiness	NOUN
easat-7157	343	8	enhances	enhance	VERB
easat-7157	343	9	new	new	ADJ
easat-7157	343	10	technology	technology	NOUN
easat-7157	343	11	,	,	PUNCT
easat-7157	343	12	such	such	ADJ
easat-7157	343	13	as	as	ADP
easat-7157	343	14	ai	ai	PROPN
easat-7157	343	15	adoption	adoption	NOUN
easat-7157	343	16	,	,	PUNCT
easat-7157	343	17	which	which	PRON
easat-7157	343	18	makes	make	VERB
easat-7157	343	19	the	the	DET
easat-7157	343	20	organizations	organization	NOUN
easat-7157	343	21	provide	provide	VERB
easat-7157	343	22	unique	unique	ADJ
easat-7157	343	23	services	service	NOUN
easat-7157	343	24	to	to	PART
easat-7157	343	25	improve	improve	VERB
easat-7157	343	26	their	their	PRON
easat-7157	343	27	effectiveness	effectiveness	NOUN
easat-7157	343	28	.	.	PUNCT
easat-7157	344	1	organizational	organizational	ADJ
easat-7157	344	2	readiness	readiness	NOUN
easat-7157	344	3	refers	refer	VERB
easat-7157	344	4	to	to	ADP
easat-7157	344	5	an	an	DET
easat-7157	344	6	organization	organization	NOUN
easat-7157	344	7	’s	’s	PART
easat-7157	344	8	level	level	NOUN
easat-7157	344	9	of	of	ADP
easat-7157	344	10	preparedness	preparedness	NOUN
easat-7157	344	11	for	for	ADP
easat-7157	344	12	acceptable	acceptable	ADJ
easat-7157	344	13	change	change	NOUN
easat-7157	344	14	,	,	PUNCT
easat-7157	344	15	which	which	PRON
easat-7157	344	16	leads	lead	VERB
easat-7157	344	17	to	to	ADP
easat-7157	344	18	increased	increase	VERB
easat-7157	344	19	technological	technological	ADJ
easat-7157	344	20	innovation	innovation	NOUN
easat-7157	344	21	,	,	PUNCT
easat-7157	344	22	such	such	ADJ
easat-7157	344	23	as	as	ADP
easat-7157	344	24	the	the	DET
easat-7157	344	25	adoption	adoption	NOUN
easat-7157	344	26	of	of	ADP
easat-7157	344	27	ai	ai	PROPN
easat-7157	344	28	technologies	technology	NOUN
easat-7157	344	29	,	,	PUNCT
easat-7157	344	30	to	to	PART
easat-7157	344	31	enhance	enhance	VERB
easat-7157	344	32	service	service	NOUN
easat-7157	344	33	channels	channel	NOUN
easat-7157	344	34	[	[	X
easat-7157	344	35	23	23	NUM
easat-7157	344	36	,	,	PUNCT
easat-7157	344	37	55	55	NUM
easat-7157	344	38	]	]	PUNCT
easat-7157	344	39	.	.	PUNCT
easat-7157	345	1	furthermore	furthermore	ADV
easat-7157	345	2	,	,	PUNCT
easat-7157	345	3	organizational	organizational	ADJ
easat-7157	345	4	readiness	readiness	NOUN
easat-7157	345	5	includes	include	VERB
easat-7157	345	6	the	the	DET
easat-7157	345	7	readiness	readiness	NOUN
easat-7157	345	8	of	of	ADP
easat-7157	345	9	managers	manager	NOUN
easat-7157	345	10	,	,	PUNCT
easat-7157	345	11	employees	employee	NOUN
easat-7157	345	12	,	,	PUNCT
easat-7157	345	13	and	and	CCONJ
easat-7157	345	14	financial	financial	ADJ
easat-7157	345	15	resources	resource	NOUN
easat-7157	345	16	to	to	PART
easat-7157	345	17	implement	implement	VERB
easat-7157	345	18	innovations	innovation	NOUN
easat-7157	345	19	in	in	ADP
easat-7157	345	20	organizational	organizational	ADJ
easat-7157	345	21	strategies	strategy	NOUN
easat-7157	345	22	to	to	PART
easat-7157	345	23	optimize	optimize	VERB
easat-7157	345	24	their	their	PRON
easat-7157	345	25	resources	resource	NOUN
easat-7157	345	26	and	and	CCONJ
easat-7157	345	27	take	take	VERB
easat-7157	345	28	advantage	advantage	NOUN
easat-7157	345	29	of	of	ADP
easat-7157	345	30	innovation	innovation	NOUN
easat-7157	345	31	to	to	PART
easat-7157	345	32	enhance	enhance	VERB
easat-7157	345	33	operations	operation	NOUN
easat-7157	345	34	,	,	PUNCT
easat-7157	345	35	efficiency	efficiency	NOUN
easat-7157	345	36	,	,	PUNCT
easat-7157	345	37	profitability	profitability	NOUN
easat-7157	345	38	,	,	PUNCT
easat-7157	345	39	and	and	CCONJ
easat-7157	345	40	cost	cost	NOUN
easat-7157	345	41	minimization	minimization	NOUN
easat-7157	345	42	,	,	PUNCT
easat-7157	345	43	all	all	PRON
easat-7157	345	44	of	of	ADP
easat-7157	345	45	which	which	PRON
easat-7157	345	46	significantly	significantly	ADV
easat-7157	345	47	affect	affect	VERB
easat-7157	345	48	ai	ai	VERB
easat-7157	345	49	adoption	adoption	NOUN
easat-7157	345	50	[	[	X
easat-7157	345	51	21	21	NUM
easat-7157	345	52	,	,	PUNCT
easat-7157	345	53	55	55	NUM
easat-7157	345	54	]	]	PUNCT
easat-7157	345	55	.	.	PUNCT
easat-7157	346	1	however	however	ADV
easat-7157	346	2	,	,	PUNCT
easat-7157	346	3	lower	low	ADJ
easat-7157	346	4	organizational	organizational	ADJ
easat-7157	346	5	readiness	readiness	NOUN
easat-7157	346	6	challenges	challenge	VERB
easat-7157	346	7	financial	financial	ADJ
easat-7157	346	8	firms	firm	NOUN
easat-7157	346	9	to	to	PART
easat-7157	346	10	adopt	adopt	VERB
easat-7157	346	11	ai	ai	VERB
easat-7157	346	12	because	because	SCONJ
easat-7157	346	13	of	of	ADP
easat-7157	346	14	limited	limited	ADJ
easat-7157	346	15	knowledge	knowledge	NOUN
easat-7157	346	16	,	,	PUNCT
easat-7157	346	17	experience	experience	NOUN
easat-7157	346	18	,	,	PUNCT
easat-7157	346	19	culture	culture	NOUN
easat-7157	346	20	,	,	PUNCT
easat-7157	346	21	and	and	CCONJ
easat-7157	346	22	internal	internal	ADJ
easat-7157	346	23	and	and	CCONJ
easat-7157	346	24	external	external	ADJ
easat-7157	346	25	resources	resource	NOUN
easat-7157	346	26	.	.	PUNCT
easat-7157	347	1	thus	thus	ADV
easat-7157	347	2	,	,	PUNCT
easat-7157	347	3	organizational	organizational	ADJ
easat-7157	347	4	readiness	readiness	NOUN
easat-7157	347	5	reflects	reflect	VERB
easat-7157	347	6	an	an	DET
easat-7157	347	7	organization	organization	NOUN
easat-7157	347	8	’s	’s	PART
easat-7157	347	9	ability	ability	NOUN
easat-7157	347	10	to	to	PART
easat-7157	347	11	implement	implement	VERB
easat-7157	347	12	innovation	innovation	NOUN
easat-7157	347	13	[	[	X
easat-7157	347	14	54	54	NUM
easat-7157	347	15	]	]	PUNCT
easat-7157	347	16	.	.	PUNCT
easat-7157	348	1	existing	exist	VERB
easat-7157	348	2	studies	study	NOUN
easat-7157	348	3	assert	assert	VERB
easat-7157	348	4	that	that	SCONJ
easat-7157	348	5	a	a	DET
easat-7157	348	6	financial	financial	ADJ
easat-7157	348	7	organization	organization	NOUN
easat-7157	348	8	’s	’s	PART
easat-7157	348	9	capability	capability	NOUN
easat-7157	348	10	demonstrates	demonstrate	VERB
easat-7157	348	11	its	its	PRON
easat-7157	348	12	power	power	NOUN
easat-7157	348	13	and	and	CCONJ
easat-7157	348	14	resources	resource	NOUN
easat-7157	348	15	for	for	ADP
easat-7157	348	16	adopting	adopt	VERB
easat-7157	348	17	ai	ai	VERB
easat-7157	348	18	to	to	PART
easat-7157	348	19	enhance	enhance	VERB
easat-7157	348	20	its	its	PRON
easat-7157	348	21	performance	performance	NOUN
easat-7157	348	22	and	and	CCONJ
easat-7157	348	23	competitiveness	competitiveness	NOUN
easat-7157	348	24	,	,	PUNCT
easat-7157	348	25	adapting	adapt	VERB
easat-7157	348	26	dynamically	dynamically	ADV
easat-7157	348	27	to	to	ADP
easat-7157	348	28	environmental	environmental	ADJ
easat-7157	348	29	changes	change	NOUN
easat-7157	348	30	through	through	ADP
easat-7157	348	31	the	the	DET
easat-7157	348	32	lens	lens	NOUN
easat-7157	348	33	of	of	ADP
easat-7157	348	34	doi	doi	NOUN
easat-7157	348	35	theory	theory	NOUN
easat-7157	348	36	and	and	CCONJ
easat-7157	348	37	the	the	DET
easat-7157	348	38	toe	toe	NOUN
easat-7157	348	39	framework	framework	NOUN
easat-7157	348	40	,	,	PUNCT
easat-7157	348	41	indicating	indicate	VERB
easat-7157	348	42	that	that	SCONJ
easat-7157	348	43	the	the	DET
easat-7157	348	44	organizational	organizational	ADJ
easat-7157	348	45	context	context	NOUN
easat-7157	348	46	significantly	significantly	ADV
easat-7157	348	47	and	and	CCONJ
easat-7157	348	48	positively	positively	ADV
easat-7157	348	49	influences	influence	NOUN
easat-7157	348	50	ai	ai	VERB
easat-7157	348	51	adoption	adoption	NOUN
easat-7157	348	52	[	[	X
easat-7157	348	53	21	21	NUM
easat-7157	348	54	,	,	PUNCT
easat-7157	348	55	23	23	NUM
easat-7157	348	56	]	]	PUNCT
easat-7157	348	57	.	.	PUNCT
easat-7157	349	1	hence	hence	ADV
easat-7157	349	2	,	,	PUNCT
easat-7157	349	3	based	base	VERB
easat-7157	349	4	on	on	ADP
easat-7157	349	5	the	the	DET
easat-7157	349	6	results	result	NOUN
easat-7157	349	7	of	of	ADP
easat-7157	349	8	previous	previous	ADJ
easat-7157	349	9	studies	study	NOUN
easat-7157	349	10	,	,	PUNCT
easat-7157	349	11	this	this	DET
easat-7157	349	12	study	study	NOUN
easat-7157	349	13	’s	’s	PART
easat-7157	349	14	second	second	ADJ
easat-7157	349	15	proposition	proposition	NOUN
easat-7157	349	16	is	be	AUX
easat-7157	349	17	as	as	SCONJ
easat-7157	349	18	follows	follow	VERB
easat-7157	349	19	:	:	PUNCT
easat-7157	349	20	p2	p2	NOUN
easat-7157	349	21	:	:	PUNCT
easat-7157	349	22	organizational	organizational	ADJ
easat-7157	349	23	readiness	readiness	NOUN
easat-7157	349	24	significantly	significantly	ADV
easat-7157	349	25	and	and	CCONJ
easat-7157	349	26	positively	positively	ADV
easat-7157	349	27	affects	affect	VERB
easat-7157	349	28	ai	ai	VERB
easat-7157	349	29	adoption	adoption	NOUN
easat-7157	349	30	among	among	ADP
easat-7157	349	31	financial	financial	ADJ
easat-7157	349	32	institutions	institution	NOUN
easat-7157	349	33	.	.	PUNCT
easat-7157	350	1	5.3	5.3	NUM
easat-7157	350	2	.	.	PUNCT
easat-7157	350	3	social	social	ADJ
easat-7157	350	4	influence	influence	NOUN
easat-7157	350	5	and	and	CCONJ
easat-7157	350	6	ai	ai	VERB
easat-7157	350	7	several	several	ADJ
easat-7157	350	8	studies	study	NOUN
easat-7157	350	9	have	have	AUX
easat-7157	350	10	indicated	indicate	VERB
easat-7157	350	11	that	that	SCONJ
easat-7157	350	12	social	social	ADJ
easat-7157	350	13	influence	influence	NOUN
easat-7157	350	14	affects	affect	VERB
easat-7157	350	15	customer	customer	NOUN
easat-7157	350	16	adoption	adoption	NOUN
easat-7157	350	17	of	of	ADP
easat-7157	350	18	technological	technological	ADJ
easat-7157	350	19	innovation	innovation	NOUN
easat-7157	350	20	.	.	PUNCT
easat-7157	351	1	additionally	additionally	ADV
easat-7157	351	2	,	,	PUNCT
easat-7157	351	3	studies	study	NOUN
easat-7157	351	4	by	by	ADP
easat-7157	351	5	eren	eren	PROPN
easat-7157	352	1	[	[	X
easat-7157	352	2	13	13	NUM
easat-7157	352	3	]	]	X
easat-7157	352	4	;	;	PUNCT
easat-7157	352	5	nguyen	nguyen	PROPN
easat-7157	352	6	,	,	PUNCT
easat-7157	352	7	et	et	PROPN
easat-7157	352	8	al	al	PROPN
easat-7157	352	9	.	.	PUNCT
easat-7157	353	1	[	[	X
easat-7157	353	2	15	15	NUM
easat-7157	353	3	]	]	PUNCT
easat-7157	353	4	and	and	CCONJ
easat-7157	353	5	almashhadani	almashhadani	ADJ
easat-7157	353	6	,	,	PUNCT
easat-7157	353	7	et	et	PROPN
easat-7157	353	8	al	al	PROPN
easat-7157	353	9	.	.	PUNCT
easat-7157	354	1	[	[	X
easat-7157	354	2	6	6	NUM
easat-7157	354	3	]	]	PUNCT
easat-7157	354	4	demonstrated	demonstrate	VERB
easat-7157	354	5	the	the	DET
easat-7157	354	6	critical	critical	ADJ
easat-7157	354	7	role	role	NOUN
easat-7157	354	8	of	of	ADP
easat-7157	354	9	social	social	ADJ
easat-7157	354	10	influence	influence	NOUN
easat-7157	354	11	in	in	ADP
easat-7157	354	12	fostering	foster	VERB
easat-7157	354	13	ai	ai	NOUN
easat-7157	354	14	adoption	adoption	NOUN
easat-7157	354	15	,	,	PUNCT
easat-7157	354	16	which	which	PRON
easat-7157	354	17	in	in	ADP
easat-7157	354	18	turn	turn	NOUN
easat-7157	354	19	improves	improve	VERB
easat-7157	354	20	services	service	NOUN
easat-7157	354	21	and	and	CCONJ
easat-7157	354	22	boosts	boost	VERB
easat-7157	354	23	consumer	consumer	NOUN
easat-7157	354	24	satisfaction	satisfaction	NOUN
easat-7157	354	25	.	.	PUNCT
easat-7157	355	1	moreover	moreover	ADV
easat-7157	355	2	,	,	PUNCT
easat-7157	355	3	based	base	VERB
easat-7157	355	4	on	on	ADP
easat-7157	355	5	previous	previous	ADJ
easat-7157	355	6	findings	finding	NOUN
easat-7157	355	7	,	,	PUNCT
easat-7157	355	8	customers	customer	NOUN
easat-7157	355	9	tend	tend	VERB
easat-7157	355	10	to	to	PART
easat-7157	355	11	adopt	adopt	VERB
easat-7157	355	12	convenient	convenient	ADJ
easat-7157	355	13	services	service	NOUN
easat-7157	355	14	gursoy	gursoy	NOUN
easat-7157	355	15	,	,	PUNCT
easat-7157	355	16	et	et	PROPN
easat-7157	355	17	al	al	PROPN
easat-7157	355	18	.	.	PUNCT
easat-7157	356	1	[	[	X
easat-7157	356	2	57	57	NUM
easat-7157	356	3	]	]	PUNCT
easat-7157	356	4	.	.	PUNCT
easat-7157	357	1	uren	uren	PROPN
easat-7157	357	2	and	and	CCONJ
easat-7157	357	3	edwards	edwards	PROPN
easat-7157	357	4	[	[	X
easat-7157	357	5	23	23	NUM
easat-7157	357	6	]	]	PUNCT
easat-7157	357	7	pointed	point	VERB
easat-7157	357	8	out	out	ADP
easat-7157	357	9	that	that	SCONJ
easat-7157	357	10	social	social	ADJ
easat-7157	357	11	factors	factor	NOUN
easat-7157	357	12	significantly	significantly	ADV
easat-7157	357	13	influence	influence	VERB
easat-7157	357	14	the	the	DET
easat-7157	357	15	adoption	adoption	NOUN
easat-7157	357	16	of	of	ADP
easat-7157	357	17	ai	ai	AUX
easat-7157	357	18	based	base	VERB
easat-7157	357	19	on	on	ADP
easat-7157	357	20	customer	customer	NOUN
easat-7157	357	21	needs	need	NOUN
easat-7157	357	22	.	.	PUNCT
easat-7157	358	1	martínez	martínez	PROPN
easat-7157	358	2	-	-	PUNCT
easat-7157	358	3	plumed	plume	VERB
easat-7157	358	4	,	,	PUNCT
easat-7157	358	5	et	et	PROPN
easat-7157	358	6	al	al	PROPN
easat-7157	358	7	.	.	PUNCT
easat-7157	359	1	[	[	X
easat-7157	359	2	72	72	NUM
easat-7157	359	3	]	]	PUNCT
easat-7157	359	4	suggested	suggest	VERB
easat-7157	359	5	that	that	SCONJ
easat-7157	359	6	successful	successful	ADJ
easat-7157	359	7	technology	technology	NOUN
easat-7157	359	8	adoption	adoption	NOUN
easat-7157	359	9	relies	rely	VERB
easat-7157	359	10	on	on	ADP
easat-7157	359	11	human	human	ADJ
easat-7157	359	12	interaction	interaction	NOUN
easat-7157	359	13	and	and	CCONJ
easat-7157	359	14	technological	technological	ADJ
easat-7157	359	15	innovation	innovation	NOUN
easat-7157	359	16	.	.	PUNCT
easat-7157	360	1	thus	thus	ADV
easat-7157	360	2	,	,	PUNCT
easat-7157	360	3	social	social	ADJ
easat-7157	360	4	influence	influence	NOUN
easat-7157	360	5	plays	play	VERB
easat-7157	360	6	an	an	DET
easat-7157	360	7	essential	essential	ADJ
easat-7157	360	8	role	role	NOUN
easat-7157	360	9	in	in	ADP
easat-7157	360	10	changing	change	VERB
easat-7157	360	11	the	the	DET
easat-7157	360	12	behaviour	behaviour	NOUN
easat-7157	360	13	of	of	ADP
easat-7157	360	14	financial	financial	ADJ
easat-7157	360	15	organizations	organization	NOUN
easat-7157	360	16	to	to	PART
easat-7157	360	17	implement	implement	VERB
easat-7157	360	18	innovations	innovation	NOUN
easat-7157	360	19	and	and	CCONJ
easat-7157	360	20	enhance	enhance	VERB
easat-7157	360	21	services	service	NOUN
easat-7157	360	22	through	through	ADP
easat-7157	360	23	various	various	ADJ
easat-7157	360	24	channels	channel	NOUN
easat-7157	360	25	[	[	X
easat-7157	360	26	6	6	NUM
easat-7157	360	27	,	,	PUNCT
easat-7157	360	28	57	57	NUM
easat-7157	360	29	]	]	PUNCT
easat-7157	360	30	.	.	PUNCT
easat-7157	361	1	furthermore	furthermore	ADV
easat-7157	361	2	,	,	PUNCT
easat-7157	361	3	cubric	cubric	ADJ
easat-7157	361	4	[	[	X
easat-7157	361	5	56	56	NUM
easat-7157	361	6	]	]	PUNCT
easat-7157	361	7	stated	state	VERB
easat-7157	361	8	that	that	SCONJ
easat-7157	361	9	social	social	ADJ
easat-7157	361	10	influence	influence	NOUN
easat-7157	361	11	significantly	significantly	ADV
easat-7157	361	12	drives	drive	VERB
easat-7157	361	13	adoption	adoption	NOUN
easat-7157	361	14	.	.	PUNCT
easat-7157	362	1	financial	financial	ADJ
easat-7157	362	2	institutions	institution	NOUN
easat-7157	362	3	establish	establish	VERB
easat-7157	362	4	their	their	PRON
easat-7157	362	5	reputation	reputation	NOUN
easat-7157	362	6	and	and	CCONJ
easat-7157	362	7	stability	stability	NOUN
easat-7157	362	8	based	base	VERB
easat-7157	362	9	on	on	ADP
easat-7157	362	10	society	society	NOUN
easat-7157	362	11	and	and	CCONJ
easat-7157	362	12	the	the	DET
easat-7157	362	13	number	number	NOUN
easat-7157	362	14	of	of	ADP
easat-7157	362	15	services	service	NOUN
easat-7157	362	16	used	use	VERB
easat-7157	362	17	to	to	PART
easat-7157	362	18	enhance	enhance	VERB
easat-7157	362	19	sustainability	sustainability	NOUN
easat-7157	362	20	[	[	X
easat-7157	362	21	51	51	NUM
easat-7157	362	22	]	]	PUNCT
easat-7157	362	23	.	.	PUNCT
easat-7157	363	1	notably	notably	ADV
easat-7157	363	2	,	,	PUNCT
easat-7157	363	3	financial	financial	ADJ
easat-7157	363	4	institutions	institution	NOUN
easat-7157	363	5	do	do	AUX
easat-7157	363	6	not	not	PART
easat-7157	363	7	operate	operate	VERB
easat-7157	363	8	in	in	ADP
easat-7157	363	9	isolation	isolation	NOUN
easat-7157	363	10	from	from	ADP
easat-7157	363	11	society	society	NOUN
easat-7157	363	12	;	;	PUNCT
easat-7157	363	13	instead	instead	ADV
easat-7157	363	14	,	,	PUNCT
easat-7157	363	15	they	they	PRON
easat-7157	363	16	rely	rely	VERB
easat-7157	363	17	on	on	ADP
easat-7157	363	18	social	social	ADJ
easat-7157	363	19	interactions	interaction	NOUN
easat-7157	363	20	.	.	PUNCT
easat-7157	364	1	consequently	consequently	ADV
easat-7157	364	2	,	,	PUNCT
easat-7157	364	3	social	social	ADJ
easat-7157	364	4	influence	influence	NOUN
easat-7157	364	5	shapes	shape	VERB
easat-7157	364	6	financial	financial	ADJ
easat-7157	364	7	organizations	organization	NOUN
easat-7157	364	8	’	'	PUNCT
easat-7157	364	9	strategies	strategy	NOUN
easat-7157	364	10	to	to	PART
easat-7157	364	11	meet	meet	VERB
easat-7157	364	12	society	society	NOUN
easat-7157	364	13	’s	’s	PART
easat-7157	364	14	needs	need	NOUN
easat-7157	364	15	and	and	CCONJ
easat-7157	364	16	understand	understand	VERB
easat-7157	364	17	market	market	NOUN
easat-7157	364	18	requirements	requirement	NOUN
easat-7157	364	19	,	,	PUNCT
easat-7157	364	20	thereby	thereby	ADV
easat-7157	364	21	enhancing	enhance	VERB
easat-7157	364	22	their	their	PRON
easat-7157	364	23	operations	operation	NOUN
easat-7157	364	24	by	by	ADP
easat-7157	364	25	leveraging	leverage	VERB
easat-7157	364	26	the	the	DET
easat-7157	364	27	advantages	advantage	NOUN
easat-7157	364	28	of	of	ADP
easat-7157	364	29	ai	ai	PROPN
easat-7157	364	30	pai	pai	PROPN
easat-7157	364	31	and	and	CCONJ
easat-7157	364	32	chandra	chandra	PROPN
easat-7157	364	33	[	[	X
easat-7157	364	34	51	51	NUM
easat-7157	364	35	]	]	PUNCT
easat-7157	364	36	.	.	PUNCT
easat-7157	365	1	cubric	cubric	ADJ
easat-7157	365	2	[	[	X
easat-7157	365	3	56	56	NUM
easat-7157	365	4	]	]	PUNCT
easat-7157	365	5	indicated	indicate	VERB
easat-7157	365	6	that	that	SCONJ
easat-7157	365	7	social	social	ADJ
easat-7157	365	8	influence	influence	NOUN
easat-7157	365	9	alters	alter	VERB
easat-7157	365	10	financial	financial	ADJ
easat-7157	365	11	organizations	organization	NOUN
easat-7157	365	12	’	'	PUNCT
easat-7157	365	13	behaviour	behaviour	NOUN
easat-7157	365	14	,	,	PUNCT
easat-7157	365	15	leading	lead	VERB
easat-7157	365	16	to	to	ADP
easat-7157	365	17	the	the	DET
easat-7157	365	18	adoption	adoption	NOUN
easat-7157	365	19	of	of	ADP
easat-7157	365	20	ai	ai	PROPN
easat-7157	365	21	innovations	innovation	NOUN
easat-7157	365	22	based	base	VERB
easat-7157	365	23	on	on	ADP
easat-7157	365	24	their	their	PRON
easat-7157	365	25	trust	trust	NOUN
easat-7157	365	26	and	and	CCONJ
easat-7157	365	27	knowledge	knowledge	NOUN
easat-7157	365	28	about	about	ADP
easat-7157	365	29	the	the	DET
easat-7157	365	30	advantages	advantage	NOUN
easat-7157	365	31	of	of	ADP
easat-7157	365	32	ai	ai	PROPN
easat-7157	365	33	innovation	innovation	NOUN
easat-7157	365	34	,	,	PUNCT
easat-7157	365	35	such	such	ADJ
easat-7157	365	36	as	as	ADP
easat-7157	365	37	financial	financial	ADJ
easat-7157	365	38	inclusion	inclusion	NOUN
easat-7157	365	39	.	.	PUNCT
easat-7157	366	1	the	the	DET
easat-7157	366	2	results	result	NOUN
easat-7157	366	3	showed	show	VERB
easat-7157	366	4	a	a	DET
easat-7157	366	5	significant	significant	ADJ
easat-7157	366	6	effect	effect	NOUN
easat-7157	366	7	of	of	ADP
easat-7157	366	8	social	social	ADJ
easat-7157	366	9	influence	influence	NOUN
easat-7157	366	10	on	on	ADP
easat-7157	366	11	ai	ai	PRON
easat-7157	366	12	adoption	adoption	NOUN
easat-7157	366	13	behaviour	behaviour	NOUN
easat-7157	366	14	.	.	PUNCT
easat-7157	367	1	therefore	therefore	ADV
easat-7157	367	2	,	,	PUNCT
easat-7157	367	3	based	base	VERB
easat-7157	367	4	on	on	ADP
easat-7157	367	5	the	the	DET
easat-7157	367	6	existing	exist	VERB
easat-7157	367	7	literature	literature	NOUN
easat-7157	367	8	and	and	CCONJ
easat-7157	367	9	the	the	DET
easat-7157	367	10	toe	toe	NOUN
easat-7157	367	11	framework	framework	NOUN
easat-7157	367	12	,	,	PUNCT
easat-7157	367	13	this	this	DET
easat-7157	367	14	study	study	NOUN
easat-7157	367	15	’s	’s	PART
easat-7157	367	16	third	third	ADJ
easat-7157	367	17	proposition	proposition	NOUN
easat-7157	367	18	is	be	AUX
easat-7157	367	19	as	as	SCONJ
easat-7157	367	20	follows	follow	VERB
easat-7157	367	21	:	:	PUNCT
easat-7157	367	22	p3	p3	NOUN
easat-7157	367	23	:	:	PUNCT
easat-7157	367	24	social	social	ADJ
easat-7157	367	25	influence	influence	NOUN
easat-7157	367	26	significantly	significantly	ADV
easat-7157	367	27	and	and	CCONJ
easat-7157	367	28	positively	positively	ADV
easat-7157	367	29	affects	affect	VERB
easat-7157	367	30	ai	ai	VERB
easat-7157	367	31	adoption	adoption	NOUN
easat-7157	367	32	among	among	ADP
easat-7157	367	33	financial	financial	ADJ
easat-7157	367	34	institutions	institution	NOUN
easat-7157	367	35	.	.	PUNCT
easat-7157	368	1	1316	1316	NUM
easat-7157	368	2	edelweiss	edelweiss	PROPN
easat-7157	368	3	applied	apply	VERB
easat-7157	368	4	science	science	NOUN
easat-7157	368	5	and	and	CCONJ
easat-7157	368	6	technology	technology	NOUN
easat-7157	368	7	issn	issn	PROPN
easat-7157	368	8	:	:	PUNCT
easat-7157	368	9	2576	2576	NUM
easat-7157	368	10	-	-	SYM
easat-7157	368	11	8484	8484	NUM
easat-7157	368	12	vol	vol	NOUN
easat-7157	368	13	.	.	PROPN
easat-7157	369	1	9	9	NUM
easat-7157	369	2	,	,	PUNCT
easat-7157	369	3	no	no	INTJ
easat-7157	369	4	.	.	NOUN
easat-7157	369	5	5	5	NUM
easat-7157	369	6	:	:	SYM
easat-7157	369	7	1302	1302	NUM
easat-7157	369	8	-	-	SYM
easat-7157	369	9	1323	1323	NUM
easat-7157	369	10	,	,	PUNCT
easat-7157	369	11	2025	2025	NUM
easat-7157	369	12	doi	doi	NOUN
easat-7157	369	13	:	:	PUNCT
easat-7157	369	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	369	15	©	©	ADP
easat-7157	369	16	2025	2025	NUM
easat-7157	369	17	by	by	ADP
easat-7157	369	18	the	the	DET
easat-7157	369	19	authors	author	NOUN
easat-7157	369	20	;	;	PUNCT
easat-7157	369	21	licensee	licensee	PROPN
easat-7157	369	22	learning	learning	NOUN
easat-7157	369	23	gate	gate	NOUN
easat-7157	369	24	5.4	5.4	NUM
easat-7157	369	25	.	.	PUNCT
easat-7157	370	1	ethical	ethical	ADJ
easat-7157	370	2	consideration	consideration	NOUN
easat-7157	370	3	and	and	CCONJ
easat-7157	370	4	ai	ai	VERB
easat-7157	370	5	adoption	adoption	NOUN
easat-7157	370	6	ai	ai	VERB
easat-7157	370	7	ethics	ethic	NOUN
easat-7157	370	8	adhere	adhere	VERB
easat-7157	370	9	to	to	ADP
easat-7157	370	10	fundamental	fundamental	ADJ
easat-7157	370	11	principles	principle	NOUN
easat-7157	370	12	that	that	PRON
easat-7157	370	13	play	play	VERB
easat-7157	370	14	a	a	DET
easat-7157	370	15	crucial	crucial	ADJ
easat-7157	370	16	role	role	NOUN
easat-7157	370	17	in	in	ADP
easat-7157	370	18	enhancing	enhance	VERB
easat-7157	370	19	ai	ai	VERB
easat-7157	370	20	adoption	adoption	NOUN
easat-7157	370	21	.	.	PUNCT
easat-7157	371	1	it	it	PRON
easat-7157	371	2	can	can	AUX
easat-7157	371	3	yield	yield	VERB
easat-7157	371	4	positive	positive	ADJ
easat-7157	371	5	outcomes	outcome	NOUN
easat-7157	371	6	for	for	ADP
easat-7157	371	7	financial	financial	ADJ
easat-7157	371	8	inclusion	inclusion	NOUN
easat-7157	371	9	by	by	ADP
easat-7157	371	10	improving	improve	VERB
easat-7157	371	11	decision	decision	NOUN
easat-7157	371	12	-	-	PUNCT
easat-7157	371	13	making	make	VERB
easat-7157	371	14	processes	process	NOUN
easat-7157	371	15	khakurel	khakurel	NOUN
easat-7157	371	16	,	,	PUNCT
easat-7157	371	17	et	et	PROPN
easat-7157	371	18	al	al	PROPN
easat-7157	371	19	.	.	PUNCT
easat-7157	372	1	[	[	X
easat-7157	372	2	74	74	NUM
easat-7157	372	3	]	]	PUNCT
easat-7157	372	4	.	.	PUNCT
easat-7157	373	1	according	accord	VERB
easat-7157	373	2	to	to	ADP
easat-7157	373	3	some	some	DET
easat-7157	373	4	studies	study	NOUN
easat-7157	373	5	have	have	AUX
easat-7157	373	6	indicated	indicate	VERB
easat-7157	373	7	that	that	SCONJ
easat-7157	373	8	fairness	fairness	NOUN
easat-7157	373	9	in	in	ADP
easat-7157	373	10	ai	ai	PROPN
easat-7157	373	11	systems	system	NOUN
easat-7157	373	12	increases	increase	VERB
easat-7157	373	13	the	the	DET
easat-7157	373	14	likelihood	likelihood	NOUN
easat-7157	373	15	of	of	ADP
easat-7157	373	16	adoption	adoption	NOUN
easat-7157	373	17	,	,	PUNCT
easat-7157	373	18	whereas	whereas	SCONJ
easat-7157	373	19	low	low	ADJ
easat-7157	373	20	adherence	adherence	NOUN
easat-7157	373	21	to	to	ADP
easat-7157	373	22	ethical	ethical	ADJ
easat-7157	373	23	standards	standard	NOUN
easat-7157	373	24	can	can	AUX
easat-7157	373	25	result	result	VERB
easat-7157	373	26	in	in	ADP
easat-7157	373	27	adverse	adverse	ADJ
easat-7157	373	28	socioeconomic	socioeconomic	ADJ
easat-7157	373	29	effects	effect	NOUN
easat-7157	373	30	.	.	PUNCT
easat-7157	374	1	the	the	DET
easat-7157	374	2	transparency	transparency	NOUN
easat-7157	374	3	,	,	PUNCT
easat-7157	374	4	accountability	accountability	NOUN
easat-7157	374	5	,	,	PUNCT
easat-7157	374	6	and	and	CCONJ
easat-7157	374	7	legitimacy	legitimacy	NOUN
easat-7157	374	8	of	of	ADP
easat-7157	374	9	algorithms	algorithm	NOUN
easat-7157	374	10	are	be	AUX
easat-7157	374	11	key	key	ADJ
easat-7157	374	12	factors	factor	NOUN
easat-7157	374	13	that	that	PRON
easat-7157	374	14	promote	promote	VERB
easat-7157	374	15	fairness	fairness	NOUN
easat-7157	374	16	in	in	ADP
easat-7157	374	17	ai	ai	NOUN
easat-7157	374	18	,	,	PUNCT
easat-7157	374	19	significantly	significantly	ADV
easat-7157	374	20	driving	drive	VERB
easat-7157	374	21	its	its	PRON
easat-7157	374	22	adoption	adoption	NOUN
easat-7157	374	23	and	and	CCONJ
easat-7157	374	24	offering	offer	VERB
easat-7157	374	25	solutions	solution	NOUN
easat-7157	374	26	for	for	ADP
easat-7157	374	27	financial	financial	ADJ
easat-7157	374	28	inclusion	inclusion	NOUN
easat-7157	374	29	,	,	PUNCT
easat-7157	374	30	particularly	particularly	ADV
easat-7157	374	31	in	in	ADP
easat-7157	374	32	emerging	emerge	VERB
easat-7157	374	33	markets	market	NOUN
easat-7157	374	34	[	[	X
easat-7157	374	35	65	65	NUM
easat-7157	374	36	]	]	PUNCT
easat-7157	374	37	.	.	PUNCT
easat-7157	375	1	furthermore	furthermore	ADV
easat-7157	375	2	,	,	PUNCT
easat-7157	375	3	ethical	ethical	ADJ
easat-7157	375	4	principles	principle	NOUN
easat-7157	375	5	such	such	ADJ
easat-7157	375	6	as	as	ADP
easat-7157	375	7	fairness	fairness	NOUN
easat-7157	375	8	,	,	PUNCT
easat-7157	375	9	accountability	accountability	NOUN
easat-7157	375	10	,	,	PUNCT
easat-7157	375	11	transparency	transparency	NOUN
easat-7157	375	12	,	,	PUNCT
easat-7157	375	13	accuracy	accuracy	NOUN
easat-7157	375	14	,	,	PUNCT
easat-7157	375	15	and	and	CCONJ
easat-7157	375	16	autonomy	autonomy	NOUN
easat-7157	375	17	are	be	AUX
easat-7157	375	18	critical	critical	ADJ
easat-7157	375	19	in	in	ADP
easat-7157	375	20	utilizing	utilize	VERB
easat-7157	375	21	generative	generative	NOUN
easat-7157	375	22	ai	ai	VERB
easat-7157	375	23	to	to	PART
easat-7157	375	24	enhance	enhance	VERB
easat-7157	375	25	organizational	organizational	ADJ
easat-7157	375	26	performance	performance	NOUN
easat-7157	375	27	rana	rana	PROPN
easat-7157	375	28	,	,	PUNCT
easat-7157	375	29	et	et	PROPN
easat-7157	375	30	al	al	PROPN
easat-7157	375	31	.	.	PUNCT
easat-7157	376	1	[	[	X
easat-7157	376	2	66	66	NUM
easat-7157	376	3	]	]	PUNCT
easat-7157	376	4	.	.	PUNCT
easat-7157	377	1	ai	ai	AUX
easat-7157	377	2	also	also	ADV
easat-7157	377	3	plays	play	VERB
easat-7157	377	4	a	a	DET
easat-7157	377	5	vital	vital	ADJ
easat-7157	377	6	role	role	NOUN
easat-7157	377	7	in	in	ADP
easat-7157	377	8	sustainability	sustainability	NOUN
easat-7157	377	9	when	when	SCONJ
easat-7157	377	10	it	it	PRON
easat-7157	377	11	integrates	integrate	VERB
easat-7157	377	12	social	social	ADJ
easat-7157	377	13	,	,	PUNCT
easat-7157	377	14	economic	economic	ADJ
easat-7157	377	15	,	,	PUNCT
easat-7157	377	16	and	and	CCONJ
easat-7157	377	17	environmental	environmental	ADJ
easat-7157	377	18	pillars	pillar	NOUN
easat-7157	377	19	into	into	ADP
easat-7157	377	20	its	its	PRON
easat-7157	377	21	framework	framework	NOUN
easat-7157	377	22	,	,	PUNCT
easat-7157	377	23	leading	lead	VERB
easat-7157	377	24	to	to	ADP
easat-7157	377	25	substantial	substantial	ADJ
easat-7157	377	26	positive	positive	ADJ
easat-7157	377	27	impacts	impact	NOUN
easat-7157	377	28	on	on	ADP
easat-7157	377	29	the	the	DET
easat-7157	377	30	financial	financial	ADJ
easat-7157	377	31	sector	sector	NOUN
easat-7157	377	32	[	[	X
easat-7157	377	33	10	10	NUM
easat-7157	377	34	]	]	PUNCT
easat-7157	377	35	.	.	PUNCT
easat-7157	378	1	this	this	PRON
easat-7157	378	2	has	have	AUX
easat-7157	378	3	created	create	VERB
easat-7157	378	4	innovative	innovative	ADJ
easat-7157	378	5	financial	financial	ADJ
easat-7157	378	6	models	model	NOUN
easat-7157	378	7	based	base	VERB
easat-7157	378	8	on	on	ADP
easat-7157	378	9	ai	ai	PROPN
easat-7157	378	10	products	product	NOUN
easat-7157	378	11	,	,	PUNCT
easat-7157	378	12	thereby	thereby	ADV
easat-7157	378	13	promoting	promote	VERB
easat-7157	378	14	greater	great	ADJ
easat-7157	378	15	financial	financial	ADJ
easat-7157	378	16	inclusion	inclusion	NOUN
easat-7157	378	17	.	.	PUNCT
easat-7157	379	1	moreover	moreover	ADV
easat-7157	379	2	,	,	PUNCT
easat-7157	379	3	ai	ai	VERB
easat-7157	379	4	ethics	ethic	NOUN
easat-7157	379	5	are	be	AUX
easat-7157	379	6	essential	essential	ADJ
easat-7157	379	7	for	for	ADP
easat-7157	379	8	driving	drive	VERB
easat-7157	379	9	sustainability	sustainability	NOUN
easat-7157	379	10	,	,	PUNCT
easat-7157	379	11	particularly	particularly	ADV
easat-7157	379	12	in	in	ADP
easat-7157	379	13	emerging	emerge	VERB
easat-7157	379	14	markets	market	NOUN
easat-7157	379	15	,	,	PUNCT
easat-7157	379	16	where	where	SCONJ
easat-7157	379	17	regulatory	regulatory	ADJ
easat-7157	379	18	frameworks	framework	NOUN
easat-7157	379	19	need	need	VERB
easat-7157	379	20	to	to	PART
easat-7157	379	21	be	be	AUX
easat-7157	379	22	developed	develop	VERB
easat-7157	379	23	to	to	PART
easat-7157	379	24	help	help	VERB
easat-7157	379	25	organizations	organization	NOUN
easat-7157	379	26	adapt	adapt	VERB
easat-7157	379	27	to	to	ADP
easat-7157	379	28	dynamic	dynamic	ADJ
easat-7157	379	29	business	business	NOUN
easat-7157	379	30	environments	environment	NOUN
easat-7157	380	1	[	[	X
easat-7157	380	2	75	75	NUM
easat-7157	380	3	]	]	PUNCT
easat-7157	380	4	.	.	PUNCT
easat-7157	381	1	by	by	ADP
easat-7157	381	2	implementing	implement	VERB
easat-7157	381	3	ethical	ethical	ADJ
easat-7157	381	4	principles	principle	NOUN
easat-7157	381	5	,	,	PUNCT
easat-7157	381	6	organizations	organization	NOUN
easat-7157	381	7	can	can	AUX
easat-7157	381	8	enhance	enhance	VERB
easat-7157	381	9	internal	internal	ADJ
easat-7157	381	10	and	and	CCONJ
easat-7157	381	11	external	external	ADJ
easat-7157	381	12	resources	resource	NOUN
easat-7157	381	13	through	through	ADP
easat-7157	381	14	ai	ai	PRON
easat-7157	381	15	innovation	innovation	NOUN
easat-7157	381	16	[	[	X
easat-7157	381	17	75	75	NUM
easat-7157	381	18	]	]	PUNCT
easat-7157	381	19	.	.	PUNCT
easat-7157	382	1	additionally	additionally	ADV
easat-7157	382	2	,	,	PUNCT
easat-7157	382	3	ai	ai	AUX
easat-7157	382	4	ethics	ethic	NOUN
easat-7157	382	5	are	be	AUX
easat-7157	382	6	shaped	shape	VERB
easat-7157	382	7	by	by	ADP
easat-7157	382	8	organizational	organizational	ADJ
easat-7157	382	9	ethical	ethical	ADJ
easat-7157	382	10	codes	code	NOUN
easat-7157	382	11	and	and	CCONJ
easat-7157	382	12	goals	goal	NOUN
easat-7157	382	13	,	,	PUNCT
easat-7157	382	14	ensuring	ensure	VERB
easat-7157	382	15	justice	justice	NOUN
easat-7157	382	16	and	and	CCONJ
easat-7157	382	17	respect	respect	NOUN
easat-7157	382	18	for	for	ADP
easat-7157	382	19	environmental	environmental	ADJ
easat-7157	382	20	,	,	PUNCT
easat-7157	382	21	economic	economic	ADJ
easat-7157	382	22	,	,	PUNCT
easat-7157	382	23	and	and	CCONJ
easat-7157	382	24	societal	societal	ADJ
easat-7157	382	25	rights	right	NOUN
easat-7157	382	26	,	,	PUNCT
easat-7157	382	27	which	which	PRON
easat-7157	382	28	results	result	VERB
easat-7157	382	29	in	in	ADP
easat-7157	382	30	positive	positive	ADJ
easat-7157	382	31	societal	societal	ADJ
easat-7157	382	32	impacts	impact	NOUN
easat-7157	382	33	[	[	X
easat-7157	382	34	75	75	NUM
easat-7157	382	35	]	]	PUNCT
easat-7157	382	36	.	.	PUNCT
easat-7157	383	1	based	base	VERB
easat-7157	383	2	on	on	ADP
easat-7157	383	3	the	the	DET
easat-7157	383	4	analysis	analysis	NOUN
easat-7157	383	5	of	of	ADP
easat-7157	383	6	empirical	empirical	ADJ
easat-7157	383	7	outcomes	outcome	NOUN
easat-7157	383	8	from	from	ADP
easat-7157	383	9	existing	exist	VERB
easat-7157	383	10	studies	study	NOUN
easat-7157	383	11	,	,	PUNCT
easat-7157	383	12	such	such	ADJ
easat-7157	383	13	as	as	ADP
easat-7157	383	14	those	those	PRON
easat-7157	383	15	by	by	ADP
easat-7157	383	16	rana	rana	PROPN
easat-7157	383	17	,	,	PUNCT
easat-7157	383	18	et	et	PROPN
easat-7157	383	19	al	al	PROPN
easat-7157	383	20	.	.	PUNCT
easat-7157	384	1	[	[	X
easat-7157	384	2	66	66	NUM
easat-7157	384	3	]	]	PUNCT
easat-7157	384	4	;	;	PUNCT
easat-7157	384	5	yang	yang	PROPN
easat-7157	384	6	and	and	CCONJ
easat-7157	384	7	lee	lee	PROPN
easat-7157	385	1	[	[	X
easat-7157	385	2	65	65	NUM
easat-7157	385	3	]	]	X
easat-7157	385	4	;	;	PUNCT
easat-7157	385	5	khakurel	khakurel	NOUN
easat-7157	385	6	,	,	PUNCT
easat-7157	385	7	et	et	PROPN
easat-7157	385	8	al	al	PROPN
easat-7157	385	9	.	.	PUNCT
easat-7157	386	1	[	[	X
easat-7157	386	2	74	74	NUM
easat-7157	386	3	]	]	PUNCT
easat-7157	386	4	the	the	DET
easat-7157	386	5	fourth	fourth	ADJ
easat-7157	386	6	proposition	proposition	NOUN
easat-7157	386	7	of	of	ADP
easat-7157	386	8	this	this	DET
easat-7157	386	9	study	study	NOUN
easat-7157	386	10	is	be	AUX
easat-7157	386	11	proposed	propose	VERB
easat-7157	386	12	as	as	SCONJ
easat-7157	386	13	follows	follow	VERB
easat-7157	386	14	:	:	PUNCT
easat-7157	386	15	p4	p4	ADJ
easat-7157	386	16	.	.	PUNCT
easat-7157	387	1	ethical	ethical	ADJ
easat-7157	387	2	considerations	consideration	NOUN
easat-7157	387	3	have	have	VERB
easat-7157	387	4	a	a	DET
easat-7157	387	5	significantly	significantly	ADV
easat-7157	387	6	positive	positive	ADJ
easat-7157	387	7	effect	effect	NOUN
easat-7157	387	8	on	on	ADP
easat-7157	387	9	ai	ai	PRON
easat-7157	387	10	adoption	adoption	NOUN
easat-7157	387	11	among	among	ADP
easat-7157	387	12	financial	financial	ADJ
easat-7157	387	13	institutions	institution	NOUN
easat-7157	387	14	.	.	PUNCT
easat-7157	388	1	5.5	5.5	NUM
easat-7157	388	2	.	.	PUNCT
easat-7157	388	3	artificial	artificial	ADJ
easat-7157	388	4	intelligence	intelligence	NOUN
easat-7157	388	5	and	and	CCONJ
easat-7157	388	6	financial	financial	ADJ
easat-7157	388	7	inclusion	inclusion	NOUN
easat-7157	388	8	ai	ai	VERB
easat-7157	388	9	is	be	AUX
easat-7157	388	10	one	one	NUM
easat-7157	388	11	way	way	NOUN
easat-7157	388	12	to	to	PART
easat-7157	388	13	provide	provide	VERB
easat-7157	388	14	affordable	affordable	ADJ
easat-7157	388	15	financial	financial	ADJ
easat-7157	388	16	services	service	NOUN
easat-7157	388	17	and	and	CCONJ
easat-7157	388	18	promote	promote	VERB
easat-7157	388	19	financial	financial	ADJ
easat-7157	388	20	literacy	literacy	NOUN
easat-7157	388	21	to	to	ADP
easat-7157	388	22	all	all	DET
easat-7157	388	23	community	community	NOUN
easat-7157	388	24	members	member	NOUN
easat-7157	388	25	.	.	PUNCT
easat-7157	389	1	several	several	ADJ
easat-7157	389	2	studies	study	NOUN
easat-7157	389	3	,	,	PUNCT
easat-7157	389	4	such	such	ADJ
easat-7157	389	5	as	as	ADP
easat-7157	389	6	mhlanga	mhlanga	NOUN
easat-7157	389	7	[	[	X
easat-7157	389	8	9	9	NUM
easat-7157	389	9	]	]	PUNCT
easat-7157	389	10	;	;	PUNCT
easat-7157	389	11	aloulou	aloulou	PROPN
easat-7157	389	12	,	,	PUNCT
easat-7157	389	13	et	et	PROPN
easat-7157	389	14	al	al	PROPN
easat-7157	389	15	.	.	PUNCT
easat-7157	390	1	[	[	X
easat-7157	390	2	12	12	NUM
easat-7157	390	3	]	]	PUNCT
easat-7157	390	4	and	and	CCONJ
easat-7157	390	5	odei	odei	NOUN
easat-7157	390	6	-	-	PUNCT
easat-7157	390	7	appiah	appiah	PROPN
easat-7157	390	8	,	,	PUNCT
easat-7157	390	9	et	et	PROPN
easat-7157	390	10	al	al	PROPN
easat-7157	390	11	.	.	PUNCT
easat-7157	391	1	[	[	X
easat-7157	391	2	40	40	NUM
easat-7157	391	3	]	]	PUNCT
easat-7157	391	4	argue	argue	VERB
easat-7157	391	5	that	that	SCONJ
easat-7157	391	6	ai	ai	AUX
easat-7157	391	7	drives	drive	VERB
easat-7157	391	8	financial	financial	ADJ
easat-7157	391	9	inclusion	inclusion	NOUN
easat-7157	391	10	.	.	PUNCT
easat-7157	392	1	furthermore	furthermore	ADV
easat-7157	392	2	,	,	PUNCT
easat-7157	392	3	adeoye	adeoye	VERB
easat-7157	392	4	,	,	PUNCT
easat-7157	392	5	et	et	PROPN
easat-7157	392	6	al	al	PROPN
easat-7157	392	7	.	.	PUNCT
easat-7157	393	1	[	[	X
easat-7157	393	2	75	75	NUM
easat-7157	393	3	]	]	PUNCT
easat-7157	393	4	indicated	indicate	VERB
easat-7157	393	5	that	that	SCONJ
easat-7157	393	6	ai	ai	AUX
easat-7157	393	7	enhances	enhance	VERB
easat-7157	393	8	financial	financial	ADJ
easat-7157	393	9	inclusion	inclusion	NOUN
easat-7157	393	10	in	in	ADP
easat-7157	393	11	emerging	emerge	VERB
easat-7157	393	12	countries	country	NOUN
easat-7157	393	13	.	.	PUNCT
easat-7157	394	1	additionally	additionally	ADV
easat-7157	394	2	,	,	PUNCT
easat-7157	394	3	amnas	amna	NOUN
easat-7157	394	4	,	,	PUNCT
easat-7157	394	5	et	et	PROPN
easat-7157	394	6	al	al	PROPN
easat-7157	394	7	.	.	PUNCT
easat-7157	395	1	[	[	X
easat-7157	395	2	76	76	NUM
easat-7157	395	3	]	]	PUNCT
easat-7157	395	4	found	find	VERB
easat-7157	395	5	that	that	SCONJ
easat-7157	395	6	fintech	fintech	NOUN
easat-7157	395	7	significantly	significantly	ADV
easat-7157	395	8	positively	positively	ADV
easat-7157	395	9	affects	affect	VERB
easat-7157	395	10	financial	financial	ADJ
easat-7157	395	11	inclusion	inclusion	NOUN
easat-7157	395	12	.	.	PUNCT
easat-7157	396	1	these	these	DET
easat-7157	396	2	studies	study	NOUN
easat-7157	396	3	highlight	highlight	VERB
easat-7157	396	4	that	that	SCONJ
easat-7157	396	5	technological	technological	ADJ
easat-7157	396	6	innovation	innovation	NOUN
easat-7157	396	7	enables	enable	VERB
easat-7157	396	8	individuals	individual	NOUN
easat-7157	396	9	to	to	PART
easat-7157	396	10	access	access	VERB
easat-7157	396	11	a	a	DET
easat-7157	396	12	growing	grow	VERB
easat-7157	396	13	number	number	NOUN
easat-7157	396	14	of	of	ADP
easat-7157	396	15	service	service	NOUN
easat-7157	396	16	providers	provider	NOUN
easat-7157	396	17	.	.	PUNCT
easat-7157	397	1	furthermore	furthermore	ADV
easat-7157	397	2	,	,	PUNCT
easat-7157	397	3	technological	technological	ADJ
easat-7157	397	4	innovation	innovation	NOUN
easat-7157	397	5	facilitates	facilitate	VERB
easat-7157	397	6	new	new	ADJ
easat-7157	397	7	entries	entry	NOUN
easat-7157	397	8	into	into	ADP
easat-7157	397	9	financial	financial	ADJ
easat-7157	397	10	markets	market	NOUN
easat-7157	397	11	,	,	PUNCT
easat-7157	397	12	creating	create	VERB
easat-7157	397	13	new	new	ADJ
easat-7157	397	14	opportunities	opportunity	NOUN
easat-7157	397	15	for	for	ADP
easat-7157	397	16	investment	investment	NOUN
easat-7157	397	17	and	and	CCONJ
easat-7157	397	18	reshaping	reshape	VERB
easat-7157	397	19	the	the	DET
easat-7157	397	20	financial	financial	ADJ
easat-7157	397	21	model	model	NOUN
easat-7157	397	22	to	to	PART
easat-7157	397	23	enhance	enhance	VERB
easat-7157	397	24	financial	financial	ADJ
easat-7157	397	25	inclusion	inclusion	NOUN
easat-7157	397	26	.	.	PUNCT
easat-7157	398	1	further	far	ADV
easat-7157	398	2	,	,	PUNCT
easat-7157	398	3	ai	ai	VERB
easat-7157	398	4	has	have	AUX
easat-7157	398	5	significantly	significantly	ADV
easat-7157	398	6	influenced	influence	VERB
easat-7157	398	7	the	the	DET
easat-7157	398	8	financial	financial	ADJ
easat-7157	398	9	inclusion	inclusion	NOUN
easat-7157	398	10	mhlanga	mhlanga	NOUN
easat-7157	399	1	[	[	X
easat-7157	399	2	9	9	NUM
easat-7157	399	3	]	]	PUNCT
easat-7157	399	4	.	.	PUNCT
easat-7157	400	1	al	al	PROPN
easat-7157	400	2	-	-	PUNCT
easat-7157	400	3	smadi	smadi	NOUN
easat-7157	400	4	[	[	X
easat-7157	400	5	77	77	NUM
easat-7157	400	6	]	]	PUNCT
easat-7157	400	7	examined	examine	VERB
easat-7157	400	8	the	the	DET
easat-7157	400	9	relationship	relationship	NOUN
easat-7157	400	10	between	between	ADP
easat-7157	400	11	digital	digital	ADJ
easat-7157	400	12	finance	finance	NOUN
easat-7157	400	13	and	and	CCONJ
easat-7157	400	14	financial	financial	ADJ
easat-7157	400	15	inclusion	inclusion	NOUN
easat-7157	400	16	,	,	PUNCT
easat-7157	400	17	revealing	reveal	VERB
easat-7157	400	18	a	a	DET
easat-7157	400	19	significant	significant	ADJ
easat-7157	400	20	effect	effect	NOUN
easat-7157	400	21	in	in	ADP
easat-7157	400	22	the	the	DET
easat-7157	400	23	middle	middle	PROPN
easat-7157	400	24	east	east	PROPN
easat-7157	400	25	and	and	CCONJ
easat-7157	400	26	north	north	PROPN
easat-7157	400	27	africa	africa	PROPN
easat-7157	400	28	based	base	VERB
easat-7157	400	29	on	on	ADP
easat-7157	400	30	empirical	empirical	ADJ
easat-7157	400	31	studies	study	NOUN
easat-7157	400	32	using	use	VERB
easat-7157	400	33	secondary	secondary	ADJ
easat-7157	400	34	data	datum	NOUN
easat-7157	400	35	.	.	PUNCT
easat-7157	401	1	another	another	DET
easat-7157	401	2	study	study	NOUN
easat-7157	401	3	suggested	suggest	VERB
easat-7157	401	4	that	that	SCONJ
easat-7157	401	5	advanced	advanced	ADJ
easat-7157	401	6	technology	technology	NOUN
easat-7157	401	7	enhances	enhance	VERB
easat-7157	401	8	financial	financial	ADJ
easat-7157	401	9	inclusion	inclusion	NOUN
easat-7157	401	10	by	by	ADP
easat-7157	401	11	providing	provide	VERB
easat-7157	401	12	modern	modern	ADJ
easat-7157	401	13	services	service	NOUN
easat-7157	401	14	,	,	PUNCT
easat-7157	401	15	such	such	ADJ
easat-7157	401	16	as	as	ADP
easat-7157	401	17	atms	atms	NOUN
easat-7157	401	18	,	,	PUNCT
easat-7157	401	19	mobile	mobile	ADJ
easat-7157	401	20	banking	banking	NOUN
easat-7157	401	21	,	,	PUNCT
easat-7157	401	22	online	online	ADJ
easat-7157	401	23	platforms	platform	NOUN
easat-7157	401	24	,	,	PUNCT
easat-7157	401	25	online	online	ADJ
easat-7157	401	26	banking	banking	NOUN
easat-7157	401	27	,	,	PUNCT
easat-7157	401	28	and	and	CCONJ
easat-7157	401	29	other	other	ADJ
easat-7157	401	30	digital	digital	ADJ
easat-7157	401	31	financial	financial	ADJ
easat-7157	401	32	services	service	NOUN
easat-7157	401	33	,	,	PUNCT
easat-7157	401	34	thereby	thereby	ADV
easat-7157	401	35	simplifying	simplify	VERB
easat-7157	401	36	community	community	NOUN
easat-7157	401	37	access	access	NOUN
easat-7157	401	38	to	to	ADP
easat-7157	401	39	financial	financial	ADJ
easat-7157	401	40	services	service	NOUN
easat-7157	401	41	[	[	X
easat-7157	401	42	77	77	NUM
easat-7157	401	43	,	,	PUNCT
easat-7157	401	44	78	78	NUM
easat-7157	401	45	]	]	PUNCT
easat-7157	401	46	.	.	PUNCT
easat-7157	402	1	drawing	draw	VERB
easat-7157	402	2	from	from	ADP
easat-7157	402	3	the	the	DET
easat-7157	402	4	findings	finding	NOUN
easat-7157	402	5	of	of	ADP
easat-7157	402	6	earlier	early	ADJ
easat-7157	402	7	research	research	NOUN
easat-7157	402	8	and	and	CCONJ
easat-7157	402	9	the	the	DET
easat-7157	402	10	principle	principle	NOUN
easat-7157	402	11	of	of	ADP
easat-7157	402	12	the	the	DET
easat-7157	402	13	toe	toe	NOUN
easat-7157	402	14	framework	framework	NOUN
easat-7157	402	15	,	,	PUNCT
easat-7157	402	16	this	this	DET
easat-7157	402	17	study	study	NOUN
easat-7157	402	18	’s	’s	PART
easat-7157	402	19	fifth	fifth	ADJ
easat-7157	402	20	proposition	proposition	NOUN
easat-7157	402	21	is	be	AUX
easat-7157	402	22	as	as	SCONJ
easat-7157	402	23	follows	follow	VERB
easat-7157	402	24	:	:	PUNCT
easat-7157	402	25	p5	p5	ADJ
easat-7157	402	26	:	:	PUNCT
easat-7157	402	27	artificial	artificial	ADJ
easat-7157	402	28	intelligence	intelligence	NOUN
easat-7157	402	29	adoption	adoption	NOUN
easat-7157	402	30	significantly	significantly	ADV
easat-7157	402	31	positively	positively	ADV
easat-7157	402	32	affects	affect	VERB
easat-7157	402	33	financial	financial	ADJ
easat-7157	402	34	inclusion	inclusion	NOUN
easat-7157	402	35	among	among	ADP
easat-7157	402	36	financial	financial	ADJ
easat-7157	402	37	institutions	institution	NOUN
easat-7157	402	38	.	.	PUNCT
easat-7157	403	1	6	6	X
easat-7157	403	2	.	.	X
easat-7157	403	3	discussion	discussion	NOUN
easat-7157	403	4	ai	ai	VERB
easat-7157	403	5	is	be	AUX
easat-7157	403	6	a	a	DET
easat-7157	403	7	significant	significant	ADJ
easat-7157	403	8	research	research	NOUN
easat-7157	403	9	topic	topic	NOUN
easat-7157	403	10	because	because	SCONJ
easat-7157	403	11	it	it	PRON
easat-7157	403	12	can	can	AUX
easat-7157	403	13	reshape	reshape	VERB
easat-7157	403	14	and	and	CCONJ
easat-7157	403	15	improve	improve	VERB
easat-7157	403	16	financial	financial	ADJ
easat-7157	403	17	models	model	NOUN
easat-7157	403	18	,	,	PUNCT
easat-7157	403	19	customer	customer	NOUN
easat-7157	403	20	behaviour	behaviour	NOUN
easat-7157	403	21	,	,	PUNCT
easat-7157	403	22	sustainability	sustainability	NOUN
easat-7157	403	23	,	,	PUNCT
easat-7157	403	24	and	and	CCONJ
easat-7157	403	25	inclusion	inclusion	NOUN
easat-7157	403	26	.	.	PUNCT
easat-7157	404	1	ai	ai	VERB
easat-7157	404	2	is	be	AUX
easat-7157	404	3	an	an	DET
easat-7157	404	4	important	important	ADJ
easat-7157	404	5	technological	technological	ADJ
easat-7157	404	6	innovation	innovation	NOUN
easat-7157	404	7	that	that	PRON
easat-7157	404	8	enhances	enhance	VERB
easat-7157	404	9	financial	financial	ADJ
easat-7157	404	10	inclusion	inclusion	NOUN
easat-7157	404	11	by	by	ADP
easat-7157	404	12	increasing	increase	VERB
easat-7157	404	13	literacy	literacy	NOUN
easat-7157	404	14	.	.	PUNCT
easat-7157	405	1	based	base	VERB
easat-7157	405	2	on	on	ADP
easat-7157	405	3	this	this	DET
easat-7157	405	4	study	study	NOUN
easat-7157	405	5	’s	’s	PART
easat-7157	405	6	bibliometric	bibliometric	ADJ
easat-7157	405	7	analysis	analysis	NOUN
easat-7157	405	8	,	,	PUNCT
easat-7157	405	9	developed	develop	VERB
easat-7157	405	10	countries	country	NOUN
easat-7157	405	11	produced	produce	VERB
easat-7157	405	12	the	the	DET
easat-7157	405	13	highest	high	ADJ
easat-7157	405	14	volume	volume	NOUN
easat-7157	405	15	of	of	ADP
easat-7157	405	16	published	publish	VERB
easat-7157	405	17	articles	article	NOUN
easat-7157	405	18	on	on	ADP
easat-7157	405	19	ai	ai	NOUN
easat-7157	405	20	between	between	ADP
easat-7157	405	21	2018	2018	NUM
easat-7157	405	22	and	and	CCONJ
easat-7157	405	23	2023	2023	NUM
easat-7157	405	24	,	,	PUNCT
easat-7157	405	25	dramatically	dramatically	ADV
easat-7157	405	26	increasing	increase	VERB
easat-7157	405	27	the	the	DET
easat-7157	405	28	number	number	NOUN
easat-7157	405	29	of	of	ADP
easat-7157	405	30	publications	publication	NOUN
easat-7157	405	31	in	in	ADP
easat-7157	405	32	recent	recent	ADJ
easat-7157	405	33	years	year	NOUN
easat-7157	405	34	,	,	PUNCT
easat-7157	405	35	indicating	indicate	VERB
easat-7157	405	36	that	that	SCONJ
easat-7157	405	37	ai	ai	VERB
easat-7157	405	38	is	be	AUX
easat-7157	405	39	a	a	DET
easat-7157	405	40	popular	popular	ADJ
easat-7157	405	41	topic	topic	NOUN
easat-7157	405	42	for	for	ADP
easat-7157	405	43	scientific	scientific	ADJ
easat-7157	405	44	research	research	NOUN
easat-7157	405	45	.	.	PUNCT
easat-7157	406	1	furthermore	furthermore	ADV
easat-7157	406	2	,	,	PUNCT
easat-7157	406	3	ai	ai	INTJ
easat-7157	406	4	optimizes	optimize	VERB
easat-7157	406	5	the	the	DET
easat-7157	406	6	effectiveness	effectiveness	NOUN
easat-7157	406	7	of	of	ADP
easat-7157	406	8	financial	financial	ADJ
easat-7157	406	9	institutions	institution	NOUN
easat-7157	406	10	by	by	ADP
easat-7157	406	11	minimizing	minimize	VERB
easat-7157	406	12	risk	risk	NOUN
easat-7157	406	13	and	and	CCONJ
easat-7157	406	14	improving	improve	VERB
easat-7157	406	15	organizational	organizational	ADJ
easat-7157	406	16	and	and	CCONJ
easat-7157	406	17	customer	customer	NOUN
easat-7157	406	18	relationships	relationship	NOUN
easat-7157	406	19	,	,	PUNCT
easat-7157	406	20	thus	thus	ADV
easat-7157	406	21	forming	form	VERB
easat-7157	406	22	new	new	ADJ
easat-7157	406	23	specialized	specialized	ADJ
easat-7157	406	24	markets	market	NOUN
easat-7157	406	25	that	that	SCONJ
easat-7157	406	26	1317	1317	NUM
easat-7157	406	27	edelweiss	edelweiss	PROPN
easat-7157	406	28	applied	apply	VERB
easat-7157	406	29	science	science	NOUN
easat-7157	406	30	and	and	CCONJ
easat-7157	406	31	technology	technology	NOUN
easat-7157	406	32	issn	issn	PROPN
easat-7157	406	33	:	:	PUNCT
easat-7157	406	34	2576	2576	NUM
easat-7157	406	35	-	-	SYM
easat-7157	406	36	8484	8484	NUM
easat-7157	406	37	vol	vol	NOUN
easat-7157	406	38	.	.	PROPN
easat-7157	407	1	9	9	NUM
easat-7157	407	2	,	,	PUNCT
easat-7157	407	3	no	no	INTJ
easat-7157	407	4	.	.	NOUN
easat-7157	407	5	5	5	NUM
easat-7157	407	6	:	:	SYM
easat-7157	407	7	1302	1302	NUM
easat-7157	407	8	-	-	SYM
easat-7157	407	9	1323	1323	NUM
easat-7157	407	10	,	,	PUNCT
easat-7157	407	11	2025	2025	NUM
easat-7157	407	12	doi	doi	NOUN
easat-7157	407	13	:	:	PUNCT
easat-7157	407	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	407	15	©	©	ADP
easat-7157	407	16	2025	2025	NUM
easat-7157	407	17	by	by	ADP
easat-7157	407	18	the	the	DET
easat-7157	407	19	authors	author	NOUN
easat-7157	407	20	;	;	PUNCT
easat-7157	407	21	licensee	licensee	PROPN
easat-7157	407	22	learning	learn	VERB
easat-7157	407	23	gate	gate	NOUN
easat-7157	407	24	strengthen	strengthen	VERB
easat-7157	407	25	the	the	DET
easat-7157	407	26	financial	financial	ADJ
easat-7157	407	27	infrastructure	infrastructure	NOUN
easat-7157	407	28	serving	serve	VERB
easat-7157	407	29	societal	societal	ADJ
easat-7157	407	30	needs	need	NOUN
easat-7157	407	31	.	.	PUNCT
easat-7157	408	1	in	in	ADP
easat-7157	408	2	addition	addition	NOUN
easat-7157	408	3	,	,	PUNCT
easat-7157	408	4	ai	ai	AUX
easat-7157	408	5	can	can	AUX
easat-7157	408	6	significantly	significantly	ADV
easat-7157	408	7	improve	improve	VERB
easat-7157	408	8	decentralized	decentralized	ADJ
easat-7157	408	9	finance	finance	NOUN
easat-7157	408	10	systems	system	NOUN
easat-7157	408	11	by	by	ADP
easat-7157	408	12	fostering	foster	VERB
easat-7157	408	13	easy	easy	ADJ
easat-7157	408	14	,	,	PUNCT
easat-7157	408	15	yet	yet	CCONJ
easat-7157	408	16	highly	highly	ADV
easat-7157	408	17	credible	credible	ADJ
easat-7157	408	18	,	,	PUNCT
easat-7157	408	19	transparent	transparent	ADJ
easat-7157	408	20	interactions	interaction	NOUN
easat-7157	408	21	,	,	PUNCT
easat-7157	408	22	as	as	SCONJ
easat-7157	408	23	seen	see	VERB
easat-7157	408	24	with	with	ADP
easat-7157	408	25	p2p	p2p	NOUN
easat-7157	408	26	lending	lending	NOUN
easat-7157	408	27	and	and	CCONJ
easat-7157	408	28	smart	smart	ADJ
easat-7157	408	29	contracts	contract	NOUN
easat-7157	408	30	.	.	PUNCT
easat-7157	409	1	it	it	PRON
easat-7157	409	2	also	also	ADV
easat-7157	409	3	assists	assist	VERB
easat-7157	409	4	in	in	ADP
easat-7157	409	5	predicting	predict	VERB
easat-7157	409	6	credit	credit	NOUN
easat-7157	409	7	scores	score	NOUN
easat-7157	409	8	and	and	CCONJ
easat-7157	409	9	facilitates	facilitate	VERB
easat-7157	409	10	the	the	DET
easat-7157	409	11	understanding	understanding	NOUN
easat-7157	409	12	and	and	CCONJ
easat-7157	409	13	analysis	analysis	NOUN
easat-7157	409	14	of	of	ADP
easat-7157	409	15	information	information	NOUN
easat-7157	409	16	to	to	PART
easat-7157	409	17	assess	assess	VERB
easat-7157	409	18	customer	customer	NOUN
easat-7157	409	19	risk	risk	NOUN
easat-7157	409	20	tolerance	tolerance	NOUN
easat-7157	409	21	levels	level	NOUN
easat-7157	409	22	.	.	PUNCT
easat-7157	410	1	consequently	consequently	ADV
easat-7157	410	2	,	,	PUNCT
easat-7157	410	3	this	this	DET
easat-7157	410	4	study	study	NOUN
easat-7157	410	5	presents	present	VERB
easat-7157	410	6	technological	technological	ADJ
easat-7157	410	7	readiness	readiness	NOUN
easat-7157	410	8	,	,	PUNCT
easat-7157	410	9	which	which	PRON
easat-7157	410	10	refers	refer	VERB
easat-7157	410	11	to	to	ADP
easat-7157	410	12	the	the	DET
easat-7157	410	13	capability	capability	NOUN
easat-7157	410	14	of	of	ADP
easat-7157	410	15	financial	financial	ADJ
easat-7157	410	16	organizations	organization	NOUN
easat-7157	410	17	to	to	PART
easat-7157	410	18	implement	implement	VERB
easat-7157	410	19	ai	ai	VERB
easat-7157	410	20	in	in	ADP
easat-7157	410	21	their	their	PRON
easat-7157	410	22	operations	operation	NOUN
easat-7157	410	23	and	and	CCONJ
easat-7157	410	24	services	service	NOUN
easat-7157	410	25	.	.	PUNCT
easat-7157	411	1	furthermore	furthermore	ADV
easat-7157	411	2	,	,	PUNCT
easat-7157	411	3	social	social	ADJ
easat-7157	411	4	influence	influence	NOUN
easat-7157	411	5	is	be	AUX
easat-7157	411	6	a	a	DET
easat-7157	411	7	significant	significant	ADJ
easat-7157	411	8	market	market	NOUN
easat-7157	411	9	factor	factor	NOUN
easat-7157	411	10	,	,	PUNCT
easat-7157	411	11	as	as	SCONJ
easat-7157	411	12	it	it	PRON
easat-7157	411	13	can	can	AUX
easat-7157	411	14	create	create	VERB
easat-7157	411	15	new	new	ADJ
easat-7157	411	16	market	market	NOUN
easat-7157	411	17	segments	segment	NOUN
easat-7157	411	18	,	,	PUNCT
easat-7157	411	19	leading	lead	VERB
easat-7157	411	20	firms	firm	NOUN
easat-7157	411	21	to	to	PART
easat-7157	411	22	meet	meet	VERB
easat-7157	411	23	community	community	NOUN
easat-7157	411	24	needs	need	NOUN
easat-7157	411	25	.	.	PUNCT
easat-7157	412	1	consequently	consequently	ADV
easat-7157	412	2	,	,	PUNCT
easat-7157	412	3	financial	financial	ADJ
easat-7157	412	4	inclusion	inclusion	NOUN
easat-7157	412	5	enhances	enhance	VERB
easat-7157	412	6	financial	financial	ADJ
easat-7157	412	7	organizations	organization	NOUN
easat-7157	412	8	’	'	PUNCT
easat-7157	412	9	performance	performance	NOUN
easat-7157	412	10	by	by	ADP
easat-7157	412	11	addressing	address	VERB
easat-7157	412	12	new	new	ADJ
easat-7157	412	13	customer	customer	NOUN
easat-7157	412	14	needs	need	VERB
easat-7157	412	15	and	and	CCONJ
easat-7157	412	16	developing	develop	VERB
easat-7157	412	17	new	new	ADJ
easat-7157	412	18	financial	financial	ADJ
easat-7157	412	19	instruments	instrument	NOUN
easat-7157	412	20	that	that	PRON
easat-7157	412	21	can	can	AUX
easat-7157	412	22	improve	improve	VERB
easat-7157	412	23	their	their	PRON
easat-7157	412	24	profits	profit	NOUN
easat-7157	412	25	and	and	CCONJ
easat-7157	412	26	reputation	reputation	NOUN
easat-7157	412	27	.	.	PUNCT
easat-7157	413	1	therefore	therefore	ADV
easat-7157	413	2	,	,	PUNCT
easat-7157	413	3	managers	manager	NOUN
easat-7157	413	4	,	,	PUNCT
easat-7157	413	5	decision	decision	NOUN
easat-7157	413	6	-	-	PUNCT
easat-7157	413	7	makers	maker	NOUN
easat-7157	413	8	,	,	PUNCT
easat-7157	413	9	owners	owner	NOUN
easat-7157	413	10	,	,	PUNCT
easat-7157	413	11	and	and	CCONJ
easat-7157	413	12	stakeholders	stakeholder	NOUN
easat-7157	413	13	should	should	AUX
easat-7157	413	14	understand	understand	VERB
easat-7157	413	15	the	the	DET
easat-7157	413	16	role	role	NOUN
easat-7157	413	17	of	of	ADP
easat-7157	413	18	ai	ai	VERB
easat-7157	413	19	in	in	ADP
easat-7157	413	20	the	the	DET
easat-7157	413	21	financial	financial	ADJ
easat-7157	413	22	sector	sector	NOUN
easat-7157	413	23	and	and	CCONJ
easat-7157	413	24	prepare	prepare	VERB
easat-7157	413	25	their	their	PRON
easat-7157	413	26	organizations	organization	NOUN
easat-7157	413	27	to	to	PART
easat-7157	413	28	adapt	adapt	VERB
easat-7157	413	29	to	to	ADP
easat-7157	413	30	changes	change	NOUN
easat-7157	413	31	based	base	VERB
easat-7157	413	32	on	on	ADP
easat-7157	413	33	the	the	DET
easat-7157	413	34	dynamic	dynamic	ADJ
easat-7157	413	35	business	business	NOUN
easat-7157	413	36	environment	environment	NOUN
easat-7157	413	37	.	.	PUNCT
easat-7157	414	1	furthermore	furthermore	ADV
easat-7157	414	2	,	,	PUNCT
easat-7157	414	3	ai	ai	VERB
easat-7157	414	4	enhances	enhance	NOUN
easat-7157	414	5	service	service	NOUN
easat-7157	414	6	quality	quality	NOUN
easat-7157	414	7	,	,	PUNCT
easat-7157	414	8	reduces	reduce	VERB
easat-7157	414	9	associated	associated	ADJ
easat-7157	414	10	investment	investment	NOUN
easat-7157	414	11	risks	risk	NOUN
easat-7157	414	12	,	,	PUNCT
easat-7157	414	13	and	and	CCONJ
easat-7157	414	14	enriches	enrich	VERB
easat-7157	414	15	the	the	DET
easat-7157	414	16	knowledge	knowledge	NOUN
easat-7157	414	17	of	of	ADP
easat-7157	414	18	businesses	business	NOUN
easat-7157	414	19	,	,	PUNCT
easat-7157	414	20	customers	customer	NOUN
easat-7157	414	21	,	,	PUNCT
easat-7157	414	22	and	and	CCONJ
easat-7157	414	23	society	society	NOUN
easat-7157	414	24	.	.	PUNCT
easat-7157	415	1	additionally	additionally	ADV
easat-7157	415	2	,	,	PUNCT
easat-7157	415	3	implementing	implement	VERB
easat-7157	415	4	ai	ai	INTJ
easat-7157	415	5	with	with	ADP
easat-7157	415	6	ethical	ethical	ADJ
easat-7157	415	7	standards	standard	NOUN
easat-7157	415	8	significantly	significantly	ADV
easat-7157	415	9	affects	affect	VERB
easat-7157	415	10	financial	financial	ADJ
easat-7157	415	11	inclusion	inclusion	NOUN
easat-7157	415	12	by	by	ADP
easat-7157	415	13	increasing	increase	VERB
easat-7157	415	14	trust	trust	NOUN
easat-7157	415	15	in	in	ADP
easat-7157	415	16	ai	ai	ADJ
easat-7157	415	17	-	-	PUNCT
easat-7157	415	18	generated	generate	VERB
easat-7157	415	19	decisions	decision	NOUN
easat-7157	415	20	.	.	PUNCT
easat-7157	416	1	it	it	PRON
easat-7157	416	2	also	also	ADV
easat-7157	416	3	provides	provide	VERB
easat-7157	416	4	solutions	solution	NOUN
easat-7157	416	5	through	through	ADP
easat-7157	416	6	fair	fair	ADJ
easat-7157	416	7	decision	decision	NOUN
easat-7157	416	8	-	-	PUNCT
easat-7157	416	9	making	making	NOUN
easat-7157	416	10	and	and	CCONJ
easat-7157	416	11	fosters	foster	VERB
easat-7157	416	12	more	more	ADV
easat-7157	416	13	significant	significant	ADJ
easat-7157	416	14	interaction	interaction	NOUN
easat-7157	416	15	,	,	PUNCT
easat-7157	416	16	driving	drive	VERB
easat-7157	416	17	the	the	DET
easat-7157	416	18	creation	creation	NOUN
easat-7157	416	19	of	of	ADP
easat-7157	416	20	new	new	ADJ
easat-7157	416	21	ai	ai	NOUN
easat-7157	416	22	products	product	NOUN
easat-7157	416	23	that	that	PRON
easat-7157	416	24	support	support	VERB
easat-7157	416	25	socioeconomic	socioeconomic	ADJ
easat-7157	416	26	development	development	NOUN
easat-7157	416	27	.	.	PUNCT
easat-7157	417	1	doi	doi	PROPN
easat-7157	417	2	theory	theory	NOUN
easat-7157	417	3	elucidates	elucidate	VERB
easat-7157	417	4	the	the	DET
easat-7157	417	5	mechanisms	mechanism	NOUN
easat-7157	417	6	of	of	ADP
easat-7157	417	7	interplay	interplay	NOUN
easat-7157	417	8	between	between	ADP
easat-7157	417	9	technological	technological	ADJ
easat-7157	417	10	characteristics	characteristic	NOUN
easat-7157	417	11	,	,	PUNCT
easat-7157	417	12	whereas	whereas	SCONJ
easat-7157	417	13	the	the	DET
easat-7157	417	14	toe	toe	NOUN
easat-7157	417	15	framework	framework	NOUN
easat-7157	417	16	clarifies	clarify	VERB
easat-7157	417	17	how	how	SCONJ
easat-7157	417	18	organizational	organizational	ADJ
easat-7157	417	19	and	and	CCONJ
easat-7157	417	20	social	social	ADJ
easat-7157	417	21	factors	factor	NOUN
easat-7157	417	22	significantly	significantly	ADV
easat-7157	417	23	drive	drive	VERB
easat-7157	417	24	ai	ai	VERB
easat-7157	417	25	adoption	adoption	NOUN
easat-7157	417	26	.	.	PUNCT
easat-7157	418	1	furthermore	furthermore	ADV
easat-7157	418	2	,	,	PUNCT
easat-7157	418	3	based	base	VERB
easat-7157	418	4	on	on	ADP
easat-7157	418	5	its	its	PRON
easat-7157	418	6	credibility	credibility	NOUN
easat-7157	418	7	and	and	CCONJ
easat-7157	418	8	traceability	traceability	NOUN
easat-7157	418	9	,	,	PUNCT
easat-7157	418	10	ai	ai	VERB
easat-7157	418	11	plays	play	VERB
easat-7157	418	12	a	a	DET
easat-7157	418	13	significant	significant	ADJ
easat-7157	418	14	role	role	NOUN
easat-7157	418	15	in	in	ADP
easat-7157	418	16	driving	drive	VERB
easat-7157	418	17	defi	defi	NOUN
easat-7157	418	18	,	,	PUNCT
easat-7157	418	19	thereby	thereby	ADV
easat-7157	418	20	opening	open	VERB
easat-7157	418	21	new	new	ADJ
easat-7157	418	22	pathways	pathway	NOUN
easat-7157	418	23	for	for	SCONJ
easat-7157	418	24	investors	investor	NOUN
easat-7157	418	25	to	to	PART
easat-7157	418	26	interact	interact	VERB
easat-7157	418	27	with	with	ADP
easat-7157	418	28	financial	financial	ADJ
easat-7157	418	29	needs	need	NOUN
easat-7157	418	30	without	without	ADP
easat-7157	418	31	third	third	ADJ
easat-7157	418	32	parties	party	NOUN
easat-7157	418	33	or	or	CCONJ
easat-7157	418	34	intermediaries	intermediary	NOUN
easat-7157	418	35	.	.	PUNCT
easat-7157	419	1	ai	ai	VERB
easat-7157	419	2	adoption	adoption	NOUN
easat-7157	419	3	is	be	AUX
easat-7157	419	4	increasing	increase	VERB
easat-7157	419	5	across	across	ADP
easat-7157	419	6	business	business	NOUN
easat-7157	419	7	sectors	sector	NOUN
easat-7157	419	8	in	in	ADP
easat-7157	419	9	emerging	emerge	VERB
easat-7157	419	10	markets	market	NOUN
easat-7157	419	11	.	.	PUNCT
easat-7157	420	1	however	however	ADV
easat-7157	420	2	,	,	PUNCT
easat-7157	420	3	the	the	DET
easat-7157	420	4	financial	financial	ADJ
easat-7157	420	5	industry	industry	NOUN
easat-7157	420	6	face	face	VERB
easat-7157	420	7	complicated	complicated	ADJ
easat-7157	420	8	challenges	challenge	NOUN
easat-7157	420	9	,	,	PUNCT
easat-7157	420	10	such	such	ADJ
easat-7157	420	11	as	as	ADP
easat-7157	420	12	competition	competition	NOUN
easat-7157	420	13	,	,	PUNCT
easat-7157	420	14	governance	governance	NOUN
easat-7157	420	15	,	,	PUNCT
easat-7157	420	16	and	and	CCONJ
easat-7157	420	17	risk	risk	NOUN
easat-7157	420	18	,	,	PUNCT
easat-7157	420	19	faces	face	VERB
easat-7157	420	20	unique	unique	ADJ
easat-7157	420	21	challenges	challenge	NOUN
easat-7157	420	22	in	in	ADP
easat-7157	420	23	providing	provide	VERB
easat-7157	420	24	innovative	innovative	ADJ
easat-7157	420	25	financial	financial	ADJ
easat-7157	420	26	solutions	solution	NOUN
easat-7157	420	27	to	to	PART
easat-7157	420	28	foster	foster	VERB
easat-7157	420	29	economic	economic	ADJ
easat-7157	420	30	growth	growth	NOUN
easat-7157	420	31	.	.	PUNCT
easat-7157	421	1	as	as	SCONJ
easat-7157	421	2	the	the	DET
easat-7157	421	3	global	global	ADJ
easat-7157	421	4	population	population	NOUN
easat-7157	421	5	grows	grow	VERB
easat-7157	421	6	,	,	PUNCT
easat-7157	421	7	leveraging	leverage	VERB
easat-7157	421	8	tech	tech	NOUN
easat-7157	421	9	advancement	advancement	NOUN
easat-7157	421	10	becomes	become	VERB
easat-7157	421	11	imperative	imperative	ADJ
easat-7157	421	12	for	for	SCONJ
easat-7157	421	13	organizations	organization	NOUN
easat-7157	421	14	to	to	PART
easat-7157	421	15	optimize	optimize	VERB
easat-7157	421	16	their	their	PRON
easat-7157	421	17	operations	operation	NOUN
easat-7157	421	18	and	and	CCONJ
easat-7157	421	19	expand	expand	VERB
easat-7157	421	20	their	their	PRON
easat-7157	421	21	services	service	NOUN
easat-7157	421	22	cost	cost	NOUN
easat-7157	421	23	-	-	PUNCT
easat-7157	421	24	effectively	effectively	ADV
easat-7157	421	25	.	.	PUNCT
easat-7157	422	1	thus	thus	ADV
easat-7157	422	2	,	,	PUNCT
easat-7157	422	3	emerge	emerge	VERB
easat-7157	422	4	the	the	DET
easat-7157	422	5	ai	ai	NOUN
easat-7157	422	6	into	into	ADP
easat-7157	422	7	business	business	NOUN
easat-7157	422	8	operations	operation	NOUN
easat-7157	422	9	provide	provide	VERB
easat-7157	422	10	opportunities	opportunity	NOUN
easat-7157	422	11	to	to	PART
easat-7157	422	12	enhance	enhance	VERB
easat-7157	422	13	efficiency	efficiency	NOUN
easat-7157	422	14	and	and	CCONJ
easat-7157	422	15	meet	meet	VERB
easat-7157	422	16	evolving	evolve	VERB
easat-7157	422	17	consumer	consumer	NOUN
easat-7157	422	18	demand	demand	NOUN
easat-7157	422	19	.	.	PUNCT
easat-7157	423	1	in	in	ADP
easat-7157	423	2	general	general	ADJ
easat-7157	423	3	,	,	PUNCT
easat-7157	423	4	the	the	DET
easat-7157	423	5	discussion	discussion	NOUN
easat-7157	423	6	emphasizes	emphasize	VERB
easat-7157	423	7	the	the	DET
easat-7157	423	8	important	important	ADJ
easat-7157	423	9	function	function	NOUN
easat-7157	423	10	of	of	ADP
easat-7157	423	11	ai	ai	VERB
easat-7157	423	12	in	in	ADP
easat-7157	423	13	propelling	propel	VERB
easat-7157	423	14	financial	financial	ADJ
easat-7157	423	15	inclusion	inclusion	NOUN
easat-7157	423	16	as	as	ADV
easat-7157	423	17	well	well	ADV
easat-7157	423	18	ai	ai	NOUN
easat-7157	423	19	's	's	PART
easat-7157	423	20	reliance	reliance	NOUN
easat-7157	423	21	on	on	ADP
easat-7157	423	22	advancing	advance	VERB
easat-7157	423	23	technologies	technology	NOUN
easat-7157	423	24	to	to	PART
easat-7157	423	25	solve	solve	VERB
easat-7157	423	26	the	the	DET
easat-7157	423	27	challenges	challenge	NOUN
easat-7157	423	28	of	of	ADP
easat-7157	423	29	contemporary	contemporary	ADJ
easat-7157	423	30	commercial	commercial	ADJ
easat-7157	423	31	ecosystems	ecosystem	NOUN
easat-7157	423	32	,	,	PUNCT
easat-7157	423	33	expand	expand	VERB
easat-7157	423	34	socioeconomic	socioeconomic	ADJ
easat-7157	423	35	opportunities	opportunity	NOUN
easat-7157	423	36	and	and	CCONJ
easat-7157	423	37	facilitate	facilitate	VERB
easat-7157	423	38	economic	economic	ADJ
easat-7157	423	39	inclusion	inclusion	NOUN
easat-7157	423	40	.	.	PUNCT
easat-7157	424	1	6.1	6.1	NUM
easat-7157	424	2	.	.	PUNCT
easat-7157	424	3	theoretical	theoretical	ADJ
easat-7157	424	4	implications	implication	NOUN
easat-7157	424	5	it	it	PRON
easat-7157	424	6	is	be	AUX
easat-7157	424	7	clear	clear	ADJ
easat-7157	424	8	from	from	ADP
easat-7157	424	9	previous	previous	ADJ
easat-7157	424	10	literature	literature	NOUN
easat-7157	424	11	on	on	ADP
easat-7157	424	12	ai	ai	ADJ
easat-7157	424	13	and	and	CCONJ
easat-7157	424	14	financial	financial	ADJ
easat-7157	424	15	inclusion	inclusion	NOUN
easat-7157	424	16	that	that	SCONJ
easat-7157	424	17	there	there	PRON
easat-7157	424	18	is	be	VERB
easat-7157	424	19	a	a	DET
easat-7157	424	20	lack	lack	NOUN
easat-7157	424	21	of	of	ADP
easat-7157	424	22	theoretical	theoretical	ADJ
easat-7157	424	23	conceptualization	conceptualization	NOUN
easat-7157	424	24	,	,	PUNCT
easat-7157	424	25	which	which	PRON
easat-7157	424	26	highlights	highlight	VERB
easat-7157	424	27	the	the	DET
easat-7157	424	28	value	value	NOUN
easat-7157	424	29	of	of	ADP
easat-7157	424	30	this	this	DET
easat-7157	424	31	study	study	NOUN
easat-7157	424	32	in	in	ADP
easat-7157	424	33	clarifying	clarify	VERB
easat-7157	424	34	the	the	DET
easat-7157	424	35	current	current	ADJ
easat-7157	424	36	scientific	scientific	ADJ
easat-7157	424	37	role	role	NOUN
easat-7157	424	38	of	of	ADP
easat-7157	424	39	ai	ai	VERB
easat-7157	424	40	in	in	ADP
easat-7157	424	41	financial	financial	ADJ
easat-7157	424	42	inclusion	inclusion	NOUN
easat-7157	424	43	.	.	PUNCT
easat-7157	425	1	additionally	additionally	ADV
easat-7157	425	2	,	,	PUNCT
easat-7157	425	3	this	this	DET
easat-7157	425	4	study	study	NOUN
easat-7157	425	5	establishes	establish	VERB
easat-7157	425	6	a	a	DET
easat-7157	425	7	proposition	proposition	NOUN
easat-7157	425	8	model	model	NOUN
easat-7157	425	9	integrating	integrate	VERB
easat-7157	425	10	doi	doi	NOUN
easat-7157	425	11	theory	theory	NOUN
easat-7157	425	12	and	and	CCONJ
easat-7157	425	13	the	the	DET
easat-7157	425	14	toe	toe	NOUN
easat-7157	425	15	framework	framework	NOUN
easat-7157	425	16	to	to	PART
easat-7157	425	17	develop	develop	VERB
easat-7157	425	18	a	a	DET
easat-7157	425	19	future	future	ADJ
easat-7157	425	20	research	research	NOUN
easat-7157	425	21	agenda	agenda	NOUN
easat-7157	425	22	to	to	PART
easat-7157	425	23	examine	examine	VERB
easat-7157	425	24	the	the	DET
easat-7157	425	25	factors	factor	NOUN
easat-7157	425	26	influencing	influence	VERB
easat-7157	425	27	ai	ai	VERB
easat-7157	425	28	adoption	adoption	NOUN
easat-7157	425	29	and	and	CCONJ
easat-7157	425	30	its	its	PRON
easat-7157	425	31	outcomes	outcome	NOUN
easat-7157	425	32	in	in	ADP
easat-7157	425	33	terms	term	NOUN
easat-7157	425	34	of	of	ADP
easat-7157	425	35	financial	financial	ADJ
easat-7157	425	36	inclusion	inclusion	NOUN
easat-7157	425	37	,	,	PUNCT
easat-7157	425	38	sustainability	sustainability	NOUN
easat-7157	425	39	practices	practice	NOUN
easat-7157	425	40	,	,	PUNCT
easat-7157	425	41	and	and	CCONJ
easat-7157	425	42	solutions	solution	NOUN
easat-7157	425	43	that	that	PRON
easat-7157	425	44	address	address	VERB
easat-7157	425	45	societal	societal	ADJ
easat-7157	425	46	and	and	CCONJ
easat-7157	425	47	economic	economic	ADJ
easat-7157	425	48	needs	need	NOUN
easat-7157	425	49	in	in	ADP
easat-7157	425	50	emerging	emerge	VERB
easat-7157	425	51	economies	economy	NOUN
easat-7157	425	52	.	.	PUNCT
easat-7157	426	1	the	the	DET
easat-7157	426	2	adoption	adoption	NOUN
easat-7157	426	3	of	of	ADP
easat-7157	426	4	ai	ai	VERB
easat-7157	426	5	in	in	ADP
easat-7157	426	6	the	the	DET
easat-7157	426	7	financial	financial	ADJ
easat-7157	426	8	sector	sector	NOUN
easat-7157	426	9	is	be	AUX
easat-7157	426	10	complicated	complicated	ADJ
easat-7157	426	11	and	and	CCONJ
easat-7157	426	12	challenging	challenging	ADJ
easat-7157	426	13	for	for	ADP
easat-7157	426	14	firms	firm	NOUN
easat-7157	426	15	.	.	PUNCT
easat-7157	427	1	doi	doi	PROPN
easat-7157	427	2	theory	theory	NOUN
easat-7157	427	3	and	and	CCONJ
easat-7157	427	4	the	the	DET
easat-7157	427	5	toe	toe	NOUN
easat-7157	427	6	framework	framework	NOUN
easat-7157	427	7	were	be	AUX
easat-7157	427	8	employed	employ	VERB
easat-7157	427	9	to	to	PART
easat-7157	427	10	elucidate	elucidate	VERB
easat-7157	427	11	the	the	DET
easat-7157	427	12	factors	factor	NOUN
easat-7157	427	13	driving	drive	VERB
easat-7157	427	14	ai	ai	VERB
easat-7157	427	15	adoption	adoption	NOUN
easat-7157	427	16	in	in	ADP
easat-7157	427	17	the	the	DET
easat-7157	427	18	financial	financial	ADJ
easat-7157	427	19	industry	industry	NOUN
easat-7157	427	20	and	and	CCONJ
easat-7157	427	21	its	its	PRON
easat-7157	427	22	impact	impact	NOUN
easat-7157	427	23	on	on	ADP
easat-7157	427	24	financial	financial	ADJ
easat-7157	427	25	inclusion	inclusion	NOUN
easat-7157	427	26	.	.	PUNCT
easat-7157	428	1	this	this	PRON
easat-7157	428	2	offers	offer	VERB
easat-7157	428	3	a	a	DET
easat-7157	428	4	comprehensive	comprehensive	ADJ
easat-7157	428	5	perspective	perspective	NOUN
easat-7157	428	6	on	on	ADP
easat-7157	428	7	the	the	DET
easat-7157	428	8	factors	factor	NOUN
easat-7157	428	9	that	that	PRON
easat-7157	428	10	drive	drive	VERB
easat-7157	428	11	technological	technological	ADJ
easat-7157	428	12	innovation	innovation	NOUN
easat-7157	428	13	and	and	CCONJ
easat-7157	428	14	its	its	PRON
easat-7157	428	15	outcomes	outcome	NOUN
easat-7157	428	16	.	.	PUNCT
easat-7157	429	1	therefore	therefore	ADV
easat-7157	429	2	,	,	PUNCT
easat-7157	429	3	this	this	DET
easat-7157	429	4	study	study	NOUN
easat-7157	429	5	investigates	investigate	VERB
easat-7157	429	6	the	the	DET
easat-7157	429	7	influence	influence	NOUN
easat-7157	429	8	of	of	ADP
easat-7157	429	9	technological	technological	ADJ
easat-7157	429	10	,	,	PUNCT
easat-7157	429	11	organizational	organizational	ADJ
easat-7157	429	12	,	,	PUNCT
easat-7157	429	13	social	social	ADJ
easat-7157	429	14	,	,	PUNCT
easat-7157	429	15	readiness	readiness	NOUN
easat-7157	429	16	,	,	PUNCT
easat-7157	429	17	and	and	CCONJ
easat-7157	429	18	ethical	ethical	ADJ
easat-7157	429	19	considerations	consideration	NOUN
easat-7157	429	20	on	on	ADP
easat-7157	429	21	ai	ai	PRON
easat-7157	429	22	adoption	adoption	NOUN
easat-7157	429	23	in	in	ADP
easat-7157	429	24	emerging	emerge	VERB
easat-7157	429	25	markets	market	NOUN
easat-7157	429	26	’	'	PUNCT
easat-7157	429	27	financial	financial	ADJ
easat-7157	429	28	institutions	institution	NOUN
easat-7157	429	29	.	.	PUNCT
easat-7157	430	1	this	this	DET
easat-7157	430	2	research	research	NOUN
easat-7157	430	3	helps	help	VERB
easat-7157	430	4	to	to	PART
easat-7157	430	5	understand	understand	VERB
easat-7157	430	6	how	how	SCONJ
easat-7157	430	7	these	these	DET
easat-7157	430	8	factors	factor	NOUN
easat-7157	430	9	impact	impact	VERB
easat-7157	430	10	financial	financial	ADJ
easat-7157	430	11	inclusion	inclusion	NOUN
easat-7157	430	12	,	,	PUNCT
easat-7157	430	13	which	which	PRON
easat-7157	430	14	helps	help	VERB
easat-7157	430	15	provide	provide	VERB
easat-7157	430	16	financial	financial	ADJ
easat-7157	430	17	services	service	NOUN
easat-7157	430	18	to	to	ADP
easat-7157	430	19	different	different	ADJ
easat-7157	430	20	income	income	NOUN
easat-7157	430	21	groups	group	NOUN
easat-7157	430	22	in	in	ADP
easat-7157	430	23	society	society	NOUN
easat-7157	430	24	.	.	PUNCT
easat-7157	431	1	6.2	6.2	NUM
easat-7157	431	2	.	.	PUNCT
easat-7157	432	1	practical	practical	ADJ
easat-7157	432	2	implications	implication	NOUN
easat-7157	432	3	this	this	DET
easat-7157	432	4	study	study	NOUN
easat-7157	432	5	offers	offer	VERB
easat-7157	432	6	valuable	valuable	ADJ
easat-7157	432	7	insights	insight	NOUN
easat-7157	432	8	by	by	ADP
easat-7157	432	9	clarifying	clarify	VERB
easat-7157	432	10	the	the	DET
easat-7157	432	11	significant	significant	ADJ
easat-7157	432	12	factors	factor	NOUN
easat-7157	432	13	driving	drive	VERB
easat-7157	432	14	ai	ai	VERB
easat-7157	432	15	adoption	adoption	NOUN
easat-7157	432	16	and	and	CCONJ
easat-7157	432	17	their	their	PRON
easat-7157	432	18	impact	impact	NOUN
easat-7157	432	19	on	on	ADP
easat-7157	432	20	financial	financial	ADJ
easat-7157	432	21	inclusion	inclusion	NOUN
easat-7157	432	22	.	.	PUNCT
easat-7157	433	1	thereby	thereby	ADV
easat-7157	433	2	,	,	PUNCT
easat-7157	433	3	it	it	PRON
easat-7157	433	4	also	also	ADV
easat-7157	433	5	provides	provide	VERB
easat-7157	433	6	decision	decision	NOUN
easat-7157	433	7	-	-	PUNCT
easat-7157	433	8	makers	maker	NOUN
easat-7157	433	9	,	,	PUNCT
easat-7157	433	10	investors	investor	NOUN
easat-7157	433	11	,	,	PUNCT
easat-7157	433	12	stakeholders	stakeholder	NOUN
easat-7157	433	13	,	,	PUNCT
easat-7157	433	14	1318	1318	NUM
easat-7157	433	15	edelweiss	edelweiss	PROPN
easat-7157	433	16	applied	apply	VERB
easat-7157	433	17	science	science	NOUN
easat-7157	433	18	and	and	CCONJ
easat-7157	433	19	technology	technology	NOUN
easat-7157	433	20	issn	issn	PROPN
easat-7157	433	21	:	:	PUNCT
easat-7157	433	22	2576	2576	NUM
easat-7157	433	23	-	-	SYM
easat-7157	433	24	8484	8484	NUM
easat-7157	433	25	vol	vol	NOUN
easat-7157	433	26	.	.	PROPN
easat-7157	434	1	9	9	NUM
easat-7157	434	2	,	,	PUNCT
easat-7157	434	3	no	no	INTJ
easat-7157	434	4	.	.	NOUN
easat-7157	434	5	5	5	NUM
easat-7157	434	6	:	:	SYM
easat-7157	434	7	1302	1302	NUM
easat-7157	434	8	-	-	SYM
easat-7157	434	9	1323	1323	NUM
easat-7157	434	10	,	,	PUNCT
easat-7157	434	11	2025	2025	NUM
easat-7157	434	12	doi	doi	NOUN
easat-7157	434	13	:	:	PUNCT
easat-7157	434	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	434	15	©	©	ADP
easat-7157	434	16	2025	2025	NUM
easat-7157	434	17	by	by	ADP
easat-7157	434	18	the	the	DET
easat-7157	434	19	authors	author	NOUN
easat-7157	434	20	;	;	PUNCT
easat-7157	434	21	licensee	licensee	PROPN
easat-7157	434	22	learning	learn	VERB
easat-7157	434	23	gate	gate	NOUN
easat-7157	434	24	managers	manager	NOUN
easat-7157	434	25	,	,	PUNCT
easat-7157	434	26	and	and	CCONJ
easat-7157	434	27	customers	customer	NOUN
easat-7157	434	28	with	with	ADP
easat-7157	434	29	an	an	DET
easat-7157	434	30	understanding	understanding	NOUN
easat-7157	434	31	of	of	ADP
easat-7157	434	32	their	their	PRON
easat-7157	434	33	technological	technological	ADJ
easat-7157	434	34	capability	capability	NOUN
easat-7157	434	35	,	,	PUNCT
easat-7157	434	36	organizational	organizational	ADJ
easat-7157	434	37	readiness	readiness	NOUN
easat-7157	434	38	,	,	PUNCT
easat-7157	434	39	ethical	ethical	ADJ
easat-7157	434	40	considerations	consideration	NOUN
easat-7157	434	41	,	,	PUNCT
easat-7157	434	42	and	and	CCONJ
easat-7157	434	43	the	the	DET
easat-7157	434	44	role	role	NOUN
easat-7157	434	45	of	of	ADP
easat-7157	434	46	social	social	ADJ
easat-7157	434	47	influence	influence	NOUN
easat-7157	434	48	in	in	ADP
easat-7157	434	49	adopting	adopt	VERB
easat-7157	434	50	ai	ai	VERB
easat-7157	434	51	in	in	ADP
easat-7157	434	52	financial	financial	ADJ
easat-7157	434	53	organizations	organization	NOUN
easat-7157	434	54	and	and	CCONJ
easat-7157	434	55	its	its	PRON
easat-7157	434	56	consequences	consequence	NOUN
easat-7157	434	57	for	for	ADP
easat-7157	434	58	financial	financial	ADJ
easat-7157	434	59	inclusion	inclusion	NOUN
easat-7157	434	60	.	.	PUNCT
easat-7157	435	1	it	it	PRON
easat-7157	435	2	also	also	ADV
easat-7157	435	3	seeks	seek	VERB
easat-7157	435	4	to	to	PART
easat-7157	435	5	grasp	grasp	VERB
easat-7157	435	6	the	the	DET
easat-7157	435	7	pivotal	pivotal	ADJ
easat-7157	435	8	role	role	NOUN
easat-7157	435	9	of	of	ADP
easat-7157	435	10	ai	ai	VERB
easat-7157	435	11	in	in	ADP
easat-7157	435	12	shaping	shape	VERB
easat-7157	435	13	the	the	DET
easat-7157	435	14	financial	financial	ADJ
easat-7157	435	15	landscape	landscape	NOUN
easat-7157	435	16	by	by	ADP
easat-7157	435	17	enhancing	enhance	VERB
easat-7157	435	18	organizational	organizational	ADJ
easat-7157	435	19	sustainability	sustainability	NOUN
easat-7157	435	20	.	.	PUNCT
easat-7157	436	1	furthermore	furthermore	ADV
easat-7157	436	2	,	,	PUNCT
easat-7157	436	3	it	it	PRON
easat-7157	436	4	encourages	encourage	VERB
easat-7157	436	5	future	future	ADJ
easat-7157	436	6	researchers	researcher	NOUN
easat-7157	436	7	to	to	PART
easat-7157	436	8	investigate	investigate	VERB
easat-7157	436	9	themes	theme	NOUN
easat-7157	436	10	related	relate	VERB
easat-7157	436	11	to	to	AUX
easat-7157	436	12	ai	ai	VERB
easat-7157	436	13	and	and	CCONJ
easat-7157	436	14	financial	financial	ADJ
easat-7157	436	15	inclusion	inclusion	NOUN
easat-7157	436	16	in	in	ADP
easat-7157	436	17	emerging	emerge	VERB
easat-7157	436	18	economies	economy	NOUN
easat-7157	436	19	by	by	ADP
easat-7157	436	20	integrating	integrate	VERB
easat-7157	436	21	doi	doi	NOUN
easat-7157	436	22	theory	theory	NOUN
easat-7157	436	23	and	and	CCONJ
easat-7157	436	24	the	the	DET
easat-7157	436	25	toe	toe	NOUN
easat-7157	436	26	framework	framework	NOUN
easat-7157	436	27	and	and	CCONJ
easat-7157	436	28	exploring	explore	VERB
easat-7157	436	29	all	all	DET
easat-7157	436	30	challenges	challenge	NOUN
easat-7157	436	31	to	to	PART
easat-7157	436	32	inform	inform	VERB
easat-7157	436	33	actionable	actionable	ADJ
easat-7157	436	34	strategies	strategy	NOUN
easat-7157	436	35	for	for	ADP
easat-7157	436	36	policymakers	policymaker	NOUN
easat-7157	436	37	,	,	PUNCT
easat-7157	436	38	financial	financial	ADJ
easat-7157	436	39	institutions	institution	NOUN
easat-7157	436	40	,	,	PUNCT
easat-7157	436	41	and	and	CCONJ
easat-7157	436	42	other	other	ADJ
easat-7157	436	43	stakeholders	stakeholder	NOUN
easat-7157	436	44	,	,	PUNCT
easat-7157	436	45	thereby	thereby	ADV
easat-7157	436	46	helping	help	VERB
easat-7157	436	47	them	they	PRON
easat-7157	436	48	harness	harness	NOUN
easat-7157	436	49	ai	ai	VERB
easat-7157	436	50	’s	’s	PART
easat-7157	436	51	potential	potential	NOUN
easat-7157	436	52	to	to	PART
easat-7157	436	53	address	address	VERB
easat-7157	436	54	societal	societal	ADJ
easat-7157	436	55	challenges	challenge	NOUN
easat-7157	436	56	and	and	CCONJ
easat-7157	436	57	ensure	ensure	VERB
easat-7157	436	58	financial	financial	ADJ
easat-7157	436	59	access	access	NOUN
easat-7157	436	60	to	to	ADP
easat-7157	436	61	all	all	DET
easat-7157	436	62	segments	segment	NOUN
easat-7157	436	63	of	of	ADP
easat-7157	436	64	society	society	NOUN
easat-7157	436	65	.	.	PUNCT
easat-7157	437	1	6.3	6.3	NUM
easat-7157	437	2	.	.	PUNCT
easat-7157	438	1	organisational	organisational	ADJ
easat-7157	438	2	implications	implication	NOUN
easat-7157	438	3	ai	ai	AUX
easat-7157	438	4	is	be	AUX
easat-7157	438	5	emerging	emerge	VERB
easat-7157	438	6	as	as	ADP
easat-7157	438	7	a	a	DET
easat-7157	438	8	transformative	transformative	ADJ
easat-7157	438	9	force	force	NOUN
easat-7157	438	10	in	in	ADP
easat-7157	438	11	the	the	DET
easat-7157	438	12	financial	financial	ADJ
easat-7157	438	13	sector	sector	NOUN
easat-7157	438	14	.	.	PUNCT
easat-7157	439	1	it	it	PRON
easat-7157	439	2	offers	offer	VERB
easat-7157	439	3	financial	financial	ADJ
easat-7157	439	4	services	service	NOUN
easat-7157	439	5	some	some	DET
easat-7157	439	6	benefits	benefit	NOUN
easat-7157	439	7	,	,	PUNCT
easat-7157	439	8	such	such	ADJ
easat-7157	439	9	as	as	ADP
easat-7157	439	10	enhanced	enhanced	ADJ
easat-7157	439	11	reputation	reputation	NOUN
easat-7157	439	12	,	,	PUNCT
easat-7157	439	13	efficiency	efficiency	NOUN
easat-7157	439	14	,	,	PUNCT
easat-7157	439	15	profitability	profitability	NOUN
easat-7157	439	16	,	,	PUNCT
easat-7157	439	17	cost	cost	NOUN
easat-7157	439	18	reduction	reduction	NOUN
easat-7157	439	19	,	,	PUNCT
easat-7157	439	20	expanded	expand	VERB
easat-7157	439	21	services	service	NOUN
easat-7157	439	22	,	,	PUNCT
easat-7157	439	23	new	new	ADJ
easat-7157	439	24	opportunities	opportunity	NOUN
easat-7157	439	25	,	,	PUNCT
easat-7157	439	26	and	and	CCONJ
easat-7157	439	27	financial	financial	ADJ
easat-7157	439	28	inclusion	inclusion	NOUN
easat-7157	439	29	.	.	PUNCT
easat-7157	440	1	ai	ai	VERB
easat-7157	440	2	offers	offer	VERB
easat-7157	440	3	numerous	numerous	ADJ
easat-7157	440	4	advantages	advantage	NOUN
easat-7157	440	5	across	across	ADP
easat-7157	440	6	social	social	ADJ
easat-7157	440	7	,	,	PUNCT
easat-7157	440	8	economic	economic	ADJ
easat-7157	440	9	,	,	PUNCT
easat-7157	440	10	and	and	CCONJ
easat-7157	440	11	sustainability	sustainability	NOUN
easat-7157	440	12	dimensions	dimension	NOUN
easat-7157	440	13	.	.	PUNCT
easat-7157	441	1	consequently	consequently	ADV
easat-7157	441	2	,	,	PUNCT
easat-7157	441	3	financial	financial	ADJ
easat-7157	441	4	institutions	institution	NOUN
easat-7157	441	5	have	have	VERB
easat-7157	441	6	significant	significant	ADJ
easat-7157	441	7	opportunities	opportunity	NOUN
easat-7157	441	8	to	to	PART
easat-7157	441	9	channel	channel	VERB
easat-7157	441	10	substantial	substantial	ADJ
easat-7157	441	11	investments	investment	NOUN
easat-7157	441	12	to	to	PART
easat-7157	441	13	enhance	enhance	VERB
easat-7157	441	14	their	their	PRON
easat-7157	441	15	technological	technological	ADJ
easat-7157	441	16	readiness	readiness	NOUN
easat-7157	441	17	.	.	PUNCT
easat-7157	442	1	this	this	DET
easat-7157	442	2	readiness	readiness	NOUN
easat-7157	442	3	positions	position	VERB
easat-7157	442	4	them	they	PRON
easat-7157	442	5	as	as	ADP
easat-7157	442	6	formidable	formidable	ADJ
easat-7157	442	7	solutions	solution	NOUN
easat-7157	442	8	to	to	ADP
easat-7157	442	9	financial	financial	ADJ
easat-7157	442	10	organisations	organisation	NOUN
easat-7157	442	11	'	'	PART
easat-7157	442	12	multifaceted	multifaceted	ADJ
easat-7157	442	13	challenges	challenge	NOUN
easat-7157	442	14	.	.	PUNCT
easat-7157	443	1	additionally	additionally	ADV
easat-7157	443	2	,	,	PUNCT
easat-7157	443	3	ai	ai	AUX
easat-7157	443	4	adoption	adoption	NOUN
easat-7157	443	5	enhances	enhance	VERB
easat-7157	443	6	financial	financial	ADJ
easat-7157	443	7	services	service	NOUN
easat-7157	443	8	to	to	PART
easat-7157	443	9	serve	serve	VERB
easat-7157	443	10	all	all	DET
easat-7157	443	11	levels	level	NOUN
easat-7157	443	12	of	of	ADP
easat-7157	443	13	society	society	NOUN
easat-7157	443	14	by	by	ADP
easat-7157	443	15	reducing	reduce	VERB
easat-7157	443	16	operational	operational	ADJ
easat-7157	443	17	costs	cost	NOUN
easat-7157	443	18	and	and	CCONJ
easat-7157	443	19	increasing	increase	VERB
easat-7157	443	20	society	society	NOUN
easat-7157	443	21	’s	’s	PART
easat-7157	443	22	financial	financial	ADJ
easat-7157	443	23	literacy	literacy	NOUN
easat-7157	443	24	,	,	PUNCT
easat-7157	443	25	which	which	PRON
easat-7157	443	26	enhances	enhance	VERB
easat-7157	443	27	financial	financial	ADJ
easat-7157	443	28	inclusion	inclusion	NOUN
easat-7157	443	29	.	.	PUNCT
easat-7157	444	1	one	one	NUM
easat-7157	444	2	critical	critical	ADJ
easat-7157	444	3	aspect	aspect	NOUN
easat-7157	444	4	of	of	ADP
easat-7157	444	5	organizations	organization	NOUN
easat-7157	444	6	is	be	AUX
easat-7157	444	7	the	the	DET
easat-7157	444	8	implementation	implementation	NOUN
easat-7157	444	9	of	of	ADP
easat-7157	444	10	ethical	ethical	ADJ
easat-7157	444	11	codes	code	NOUN
easat-7157	444	12	within	within	ADP
easat-7157	444	13	ai	ai	PROPN
easat-7157	444	14	systems	system	NOUN
easat-7157	444	15	to	to	PART
easat-7157	444	16	ensure	ensure	VERB
easat-7157	444	17	the	the	DET
easat-7157	444	18	integrity	integrity	NOUN
easat-7157	444	19	of	of	ADP
easat-7157	444	20	their	their	PRON
easat-7157	444	21	outcomes	outcome	NOUN
easat-7157	444	22	,	,	PUNCT
easat-7157	444	23	which	which	PRON
easat-7157	444	24	provides	provide	VERB
easat-7157	444	25	accurate	accurate	ADJ
easat-7157	444	26	and	and	CCONJ
easat-7157	444	27	reliable	reliable	ADJ
easat-7157	444	28	data	datum	NOUN
easat-7157	444	29	as	as	ADP
easat-7157	444	30	input	input	NOUN
easat-7157	444	31	.	.	PUNCT
easat-7157	445	1	organizations	organization	NOUN
easat-7157	445	2	can	can	AUX
easat-7157	445	3	enhance	enhance	VERB
easat-7157	445	4	ai	ai	VERB
easat-7157	445	5	usage	usage	NOUN
easat-7157	445	6	and	and	CCONJ
easat-7157	445	7	improve	improve	VERB
easat-7157	445	8	the	the	DET
easat-7157	445	9	trustworthiness	trustworthiness	NOUN
easat-7157	445	10	of	of	ADP
easat-7157	445	11	their	their	PRON
easat-7157	445	12	results	result	NOUN
easat-7157	445	13	.	.	PUNCT
easat-7157	446	1	6.4	6.4	NUM
easat-7157	446	2	.	.	PUNCT
easat-7157	447	1	policy	policy	NOUN
easat-7157	447	2	implications	implication	NOUN
easat-7157	447	3	to	to	PART
easat-7157	447	4	foster	foster	VERB
easat-7157	447	5	the	the	DET
easat-7157	447	6	inclusion	inclusion	NOUN
easat-7157	447	7	of	of	ADP
easat-7157	447	8	ai	ai	VERB
easat-7157	447	9	in	in	ADP
easat-7157	447	10	the	the	DET
easat-7157	447	11	financial	financial	ADJ
easat-7157	447	12	industry	industry	NOUN
easat-7157	447	13	,	,	PUNCT
easat-7157	447	14	it	it	PRON
easat-7157	447	15	is	be	AUX
easat-7157	447	16	necessary	necessary	ADJ
easat-7157	447	17	to	to	PART
easat-7157	447	18	educate	educate	VERB
easat-7157	447	19	government	government	NOUN
easat-7157	447	20	decision	decision	NOUN
easat-7157	447	21	makers	maker	NOUN
easat-7157	447	22	on	on	ADP
easat-7157	447	23	the	the	DET
easat-7157	447	24	importance	importance	NOUN
easat-7157	447	25	of	of	ADP
easat-7157	447	26	ai	ai	PROPN
easat-7157	447	27	inclusion	inclusion	NOUN
easat-7157	447	28	in	in	ADP
easat-7157	447	29	other	other	ADJ
easat-7157	447	30	emerging	emerge	VERB
easat-7157	447	31	technologies	technology	NOUN
easat-7157	447	32	.	.	PUNCT
easat-7157	448	1	therefore	therefore	ADV
easat-7157	448	2	,	,	PUNCT
easat-7157	448	3	supporting	support	VERB
easat-7157	448	4	ai	ai	NOUN
easat-7157	448	5	and	and	CCONJ
easat-7157	448	6	emerging	emerge	VERB
easat-7157	448	7	technology	technology	NOUN
easat-7157	448	8	innovation	innovation	NOUN
easat-7157	448	9	and	and	CCONJ
easat-7157	448	10	adoption	adoption	NOUN
easat-7157	448	11	by	by	ADP
easat-7157	448	12	financial	financial	ADJ
easat-7157	448	13	institutions	institution	NOUN
easat-7157	448	14	strategically	strategically	ADV
easat-7157	448	15	and	and	CCONJ
easat-7157	448	16	sustainably	sustainably	ADV
easat-7157	448	17	is	be	AUX
easat-7157	448	18	imperative	imperative	ADJ
easat-7157	448	19	in	in	ADP
easat-7157	448	20	addressing	address	VERB
easat-7157	448	21	regulatory	regulatory	ADJ
easat-7157	448	22	gaps	gap	NOUN
easat-7157	448	23	in	in	ADP
easat-7157	448	24	developing	develop	VERB
easat-7157	448	25	economies	economy	NOUN
easat-7157	448	26	.	.	PUNCT
easat-7157	449	1	such	such	ADJ
easat-7157	449	2	steps	step	NOUN
easat-7157	449	3	are	be	AUX
easat-7157	449	4	important	important	ADJ
easat-7157	449	5	as	as	SCONJ
easat-7157	449	6	they	they	PRON
easat-7157	449	7	guarantee	guarantee	VERB
easat-7157	449	8	the	the	DET
easat-7157	449	9	effective	effective	ADJ
easat-7157	449	10	use	use	NOUN
easat-7157	449	11	of	of	ADP
easat-7157	449	12	ai	ai	VERB
easat-7157	449	13	across	across	ADP
easat-7157	449	14	the	the	DET
easat-7157	449	15	financial	financial	ADJ
easat-7157	449	16	sector	sector	NOUN
easat-7157	449	17	systematically	systematically	ADV
easat-7157	449	18	.	.	PUNCT
easat-7157	450	1	as	as	ADP
easat-7157	450	2	a	a	DET
easat-7157	450	3	result	result	NOUN
easat-7157	450	4	,	,	PUNCT
easat-7157	450	5	populations	population	NOUN
easat-7157	450	6	gain	gain	VERB
easat-7157	450	7	improved	improved	ADJ
easat-7157	450	8	access	access	NOUN
easat-7157	450	9	to	to	ADP
easat-7157	450	10	services	service	NOUN
easat-7157	450	11	that	that	PRON
easat-7157	450	12	use	use	VERB
easat-7157	450	13	ai	ai	VERB
easat-7157	450	14	because	because	SCONJ
easat-7157	450	15	these	these	DET
easat-7157	450	16	services	service	NOUN
easat-7157	450	17	are	be	AUX
easat-7157	450	18	more	more	ADV
easat-7157	450	19	readily	readily	ADV
easat-7157	450	20	available	available	ADJ
easat-7157	450	21	after	after	ADP
easat-7157	450	22	the	the	DET
easat-7157	450	23	application	application	NOUN
easat-7157	450	24	of	of	ADP
easat-7157	450	25	ai	ai	ADJ
easat-7157	450	26	-	-	PUNCT
easat-7157	450	27	enabled	enable	VERB
easat-7157	450	28	solutions	solution	NOUN
easat-7157	450	29	.	.	PUNCT
easat-7157	451	1	furthermore	furthermore	ADV
easat-7157	451	2	,	,	PUNCT
easat-7157	451	3	there	there	PRON
easat-7157	451	4	is	be	VERB
easat-7157	451	5	an	an	DET
easat-7157	451	6	ever	ever	ADV
easat-7157	451	7	-	-	PUNCT
easat-7157	451	8	increasing	increase	VERB
easat-7157	451	9	global	global	ADJ
easat-7157	451	10	population	population	NOUN
easat-7157	451	11	which	which	PRON
easat-7157	451	12	means	mean	VERB
easat-7157	451	13	that	that	SCONJ
easat-7157	451	14	adding	add	VERB
easat-7157	451	15	to	to	ADP
easat-7157	451	16	the	the	DET
easat-7157	451	17	existing	exist	VERB
easat-7157	451	18	banking	banking	NOUN
easat-7157	451	19	facilities	facility	NOUN
easat-7157	451	20	is	be	AUX
easat-7157	451	21	essential	essential	ADJ
easat-7157	451	22	,	,	PUNCT
easat-7157	451	23	although	although	SCONJ
easat-7157	451	24	it	it	PRON
easat-7157	451	25	comes	come	VERB
easat-7157	451	26	with	with	ADP
easat-7157	451	27	considerable	considerable	ADJ
easat-7157	451	28	expenses	expense	NOUN
easat-7157	451	29	.	.	PUNCT
easat-7157	452	1	financial	financial	ADJ
easat-7157	452	2	institutions	institution	NOUN
easat-7157	452	3	,	,	PUNCT
easat-7157	452	4	however	however	ADV
easat-7157	452	5	,	,	PUNCT
easat-7157	452	6	need	need	AUX
easat-7157	452	7	not	not	PART
easat-7157	452	8	spend	spend	VERB
easat-7157	452	9	much	much	ADJ
easat-7157	452	10	because	because	SCONJ
easat-7157	452	11	of	of	ADP
easat-7157	452	12	emerging	emerge	VERB
easat-7157	452	13	technologies	technology	NOUN
easat-7157	452	14	which	which	PRON
easat-7157	452	15	provide	provide	VERB
easat-7157	452	16	them	they	PRON
easat-7157	452	17	with	with	ADP
easat-7157	452	18	alternatives	alternative	NOUN
easat-7157	452	19	that	that	PRON
easat-7157	452	20	extend	extend	VERB
easat-7157	452	21	their	their	PRON
easat-7157	452	22	market	market	NOUN
easat-7157	452	23	reach	reach	VERB
easat-7157	452	24	at	at	ADP
easat-7157	452	25	lower	low	ADJ
easat-7157	452	26	costs	cost	NOUN
easat-7157	452	27	.	.	PUNCT
easat-7157	453	1	governments	government	NOUN
easat-7157	453	2	can	can	AUX
easat-7157	453	3	further	far	ADV
easat-7157	453	4	catalyse	catalyse	VERB
easat-7157	453	5	ai	ai	VERB
easat-7157	453	6	innovation	innovation	NOUN
easat-7157	453	7	by	by	ADP
easat-7157	453	8	reshaping	reshape	VERB
easat-7157	453	9	regulations	regulation	NOUN
easat-7157	453	10	and	and	CCONJ
easat-7157	453	11	policies	policy	NOUN
easat-7157	453	12	and	and	CCONJ
easat-7157	453	13	leveraging	leverage	VERB
easat-7157	453	14	modern	modern	ADJ
easat-7157	453	15	channels	channel	NOUN
easat-7157	453	16	to	to	PART
easat-7157	453	17	bolster	bolster	VERB
easat-7157	453	18	economic	economic	ADJ
easat-7157	453	19	growth	growth	NOUN
easat-7157	453	20	in	in	ADP
easat-7157	453	21	developing	develop	VERB
easat-7157	453	22	nations	nation	NOUN
easat-7157	453	23	.	.	PUNCT
easat-7157	454	1	in	in	ADP
easat-7157	454	2	addition	addition	NOUN
easat-7157	454	3	,	,	PUNCT
easat-7157	454	4	this	this	DET
easat-7157	454	5	study	study	NOUN
easat-7157	454	6	highlights	highlight	NOUN
easat-7157	454	7	that	that	PRON
easat-7157	454	8	ai	ai	VERB
easat-7157	454	9	ethics	ethic	NOUN
easat-7157	454	10	is	be	AUX
easat-7157	454	11	a	a	DET
easat-7157	454	12	critical	critical	ADJ
easat-7157	454	13	factor	factor	NOUN
easat-7157	454	14	in	in	ADP
easat-7157	454	15	enhancing	enhance	VERB
easat-7157	454	16	ai	ai	VERB
easat-7157	454	17	adoption	adoption	NOUN
easat-7157	454	18	.	.	PUNCT
easat-7157	455	1	addressing	address	VERB
easat-7157	455	2	ethical	ethical	ADJ
easat-7157	455	3	concerns	concern	NOUN
easat-7157	455	4	associated	associate	VERB
easat-7157	455	5	with	with	ADP
easat-7157	455	6	ai	ai	ADJ
easat-7157	455	7	innovations	innovation	NOUN
easat-7157	455	8	contributes	contribute	VERB
easat-7157	455	9	to	to	ADP
easat-7157	455	10	positive	positive	ADJ
easat-7157	455	11	financial	financial	ADJ
easat-7157	455	12	inclusion	inclusion	NOUN
easat-7157	455	13	and	and	CCONJ
easat-7157	455	14	socioeconomic	socioeconomic	ADJ
easat-7157	455	15	development	development	NOUN
easat-7157	455	16	outcomes	outcome	NOUN
easat-7157	455	17	while	while	SCONJ
easat-7157	455	18	reducing	reduce	VERB
easat-7157	455	19	ethical	ethical	ADJ
easat-7157	455	20	risks	risk	NOUN
easat-7157	455	21	,	,	PUNCT
easat-7157	455	22	encouraging	encourage	VERB
easat-7157	455	23	policymakers	policymaker	NOUN
easat-7157	455	24	to	to	PART
easat-7157	455	25	develop	develop	VERB
easat-7157	455	26	governance	governance	NOUN
easat-7157	455	27	roles	role	NOUN
easat-7157	455	28	that	that	PRON
easat-7157	455	29	enhance	enhance	VERB
easat-7157	455	30	the	the	DET
easat-7157	455	31	financial	financial	ADJ
easat-7157	455	32	sector	sector	NOUN
easat-7157	455	33	by	by	ADP
easat-7157	455	34	implementing	implement	VERB
easat-7157	455	35	ai	ai	PRON
easat-7157	455	36	ethical	ethical	ADJ
easat-7157	455	37	standards	standard	NOUN
easat-7157	455	38	to	to	PART
easat-7157	455	39	align	align	VERB
easat-7157	455	40	with	with	ADP
easat-7157	455	41	the	the	DET
easat-7157	455	42	ai	ai	PROPN
easat-7157	455	43	revolution	revolution	NOUN
easat-7157	455	44	.	.	PUNCT
easat-7157	456	1	7	7	X
easat-7157	456	2	.	.	X
easat-7157	456	3	conclusion	conclusion	VERB
easat-7157	456	4	the	the	DET
easat-7157	456	5	adoption	adoption	NOUN
easat-7157	456	6	of	of	ADP
easat-7157	456	7	ai	ai	NOUN
easat-7157	456	8	represents	represent	VERB
easat-7157	456	9	a	a	DET
easat-7157	456	10	transformative	transformative	ADJ
easat-7157	456	11	force	force	NOUN
easat-7157	456	12	in	in	ADP
easat-7157	456	13	the	the	DET
easat-7157	456	14	financial	financial	ADJ
easat-7157	456	15	sector	sector	NOUN
easat-7157	456	16	,	,	PUNCT
easat-7157	456	17	with	with	ADP
easat-7157	456	18	significant	significant	ADJ
easat-7157	456	19	implications	implication	NOUN
easat-7157	456	20	for	for	ADP
easat-7157	456	21	financial	financial	ADJ
easat-7157	456	22	inclusion	inclusion	NOUN
easat-7157	456	23	.	.	PUNCT
easat-7157	457	1	therefore	therefore	ADV
easat-7157	457	2	,	,	PUNCT
easat-7157	457	3	ai	ai	AUX
easat-7157	457	4	has	have	AUX
easat-7157	457	5	introduced	introduce	VERB
easat-7157	457	6	tremendous	tremendous	ADJ
easat-7157	457	7	advancements	advancement	NOUN
easat-7157	457	8	to	to	ADP
easat-7157	457	9	the	the	DET
easat-7157	457	10	financial	financial	ADJ
easat-7157	457	11	industry	industry	NOUN
easat-7157	457	12	by	by	ADP
easat-7157	457	13	offering	offer	VERB
easat-7157	457	14	innovative	innovative	ADJ
easat-7157	457	15	financial	financial	ADJ
easat-7157	457	16	instruments	instrument	NOUN
easat-7157	457	17	that	that	PRON
easat-7157	457	18	contribute	contribute	VERB
easat-7157	457	19	to	to	ADP
easat-7157	457	20	socioeconomic	socioeconomic	ADJ
easat-7157	457	21	development	development	NOUN
easat-7157	457	22	.	.	PUNCT
easat-7157	458	1	these	these	DET
easat-7157	458	2	advancements	advancement	NOUN
easat-7157	458	3	emphasize	emphasize	VERB
easat-7157	458	4	the	the	DET
easat-7157	458	5	sector	sector	NOUN
easat-7157	458	6	's	's	PART
easat-7157	458	7	role	role	NOUN
easat-7157	458	8	in	in	ADP
easat-7157	458	9	fostering	foster	VERB
easat-7157	458	10	social	social	ADJ
easat-7157	458	11	responsibility	responsibility	NOUN
easat-7157	458	12	and	and	CCONJ
easat-7157	458	13	positively	positively	ADV
easat-7157	458	14	impacting	impact	VERB
easat-7157	458	15	economic	economic	ADJ
easat-7157	458	16	growth	growth	NOUN
easat-7157	458	17	.	.	PUNCT
easat-7157	459	1	as	as	SCONJ
easat-7157	459	2	technological	technological	ADJ
easat-7157	459	3	advancement	advancement	NOUN
easat-7157	459	4	continues	continue	VERB
easat-7157	459	5	to	to	PART
easat-7157	459	6	reshape	reshape	VERB
easat-7157	459	7	the	the	DET
easat-7157	459	8	financial	financial	ADJ
easat-7157	459	9	landscape	landscape	NOUN
easat-7157	459	10	,	,	PUNCT
easat-7157	459	11	organizations	organization	NOUN
easat-7157	459	12	must	must	AUX
easat-7157	459	13	prioritize	prioritize	VERB
easat-7157	459	14	technological	technological	ADJ
easat-7157	459	15	and	and	CCONJ
easat-7157	459	16	organizational	organizational	ADJ
easat-7157	459	17	readiness	readiness	NOUN
easat-7157	459	18	to	to	PART
easat-7157	459	19	harness	harness	VERB
easat-7157	459	20	the	the	DET
easat-7157	459	21	full	full	ADJ
easat-7157	459	22	potential	potential	NOUN
easat-7157	459	23	of	of	ADP
easat-7157	459	24	ai	ai	NOUN
easat-7157	459	25	.	.	PUNCT
easat-7157	460	1	furthermore	furthermore	ADV
easat-7157	460	2	,	,	PUNCT
easat-7157	460	3	the	the	DET
easat-7157	460	4	impact	impact	NOUN
easat-7157	460	5	of	of	ADP
easat-7157	460	6	social	social	ADJ
easat-7157	460	7	variables	variable	NOUN
easat-7157	460	8	emphasizes	emphasize	VERB
easat-7157	460	9	the	the	DET
easat-7157	460	10	importance	importance	NOUN
easat-7157	460	11	of	of	ADP
easat-7157	460	12	community	community	NOUN
easat-7157	460	13	involvement	involvement	NOUN
easat-7157	460	14	and	and	CCONJ
easat-7157	460	15	cooperation	cooperation	NOUN
easat-7157	460	16	in	in	ADP
easat-7157	460	17	promoting	promote	VERB
easat-7157	460	18	ai	ai	NOUN
easat-7157	460	19	use	use	NOUN
easat-7157	460	20	and	and	CCONJ
easat-7157	460	21	improving	improve	VERB
easat-7157	460	22	financial	financial	ADJ
easat-7157	460	23	inclusion	inclusion	NOUN
easat-7157	460	24	.	.	PUNCT
easat-7157	461	1	integrating	integrate	VERB
easat-7157	461	2	ai	ai	VERB
easat-7157	461	3	technologies	technology	NOUN
easat-7157	461	4	into	into	ADP
easat-7157	461	5	business	business	NOUN
easat-7157	461	6	processes	process	NOUN
easat-7157	461	7	aids	aid	NOUN
easat-7157	461	8	in	in	ADP
easat-7157	461	9	creating	create	VERB
easat-7157	461	10	a	a	DET
easat-7157	461	11	more	more	ADV
easat-7157	461	12	equitable	equitable	ADJ
easat-7157	461	13	society	society	NOUN
easat-7157	461	14	,	,	PUNCT
easat-7157	461	15	while	while	SCONJ
easat-7157	461	16	simultaneously	simultaneously	ADV
easat-7157	461	17	1319	1319	NUM
easat-7157	461	18	edelweiss	edelweiss	PROPN
easat-7157	461	19	applied	apply	VERB
easat-7157	461	20	science	science	NOUN
easat-7157	461	21	and	and	CCONJ
easat-7157	461	22	technology	technology	NOUN
easat-7157	461	23	issn	issn	PROPN
easat-7157	461	24	:	:	PUNCT
easat-7157	461	25	2576	2576	NUM
easat-7157	461	26	-	-	SYM
easat-7157	461	27	8484	8484	NUM
easat-7157	461	28	vol	vol	NOUN
easat-7157	461	29	.	.	PROPN
easat-7157	462	1	9	9	NUM
easat-7157	462	2	,	,	PUNCT
easat-7157	462	3	no	no	INTJ
easat-7157	462	4	.	.	NOUN
easat-7157	462	5	5	5	NUM
easat-7157	462	6	:	:	SYM
easat-7157	462	7	1302	1302	NUM
easat-7157	462	8	-	-	SYM
easat-7157	462	9	1323	1323	NUM
easat-7157	462	10	,	,	PUNCT
easat-7157	462	11	2025	2025	NUM
easat-7157	462	12	doi	doi	NOUN
easat-7157	462	13	:	:	PUNCT
easat-7157	462	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	462	15	©	©	ADP
easat-7157	462	16	2025	2025	NUM
easat-7157	462	17	by	by	ADP
easat-7157	462	18	the	the	DET
easat-7157	462	19	authors	author	NOUN
easat-7157	462	20	;	;	PUNCT
easat-7157	462	21	licensee	licensee	PROPN
easat-7157	462	22	learning	learning	NOUN
easat-7157	462	23	gate	gate	NOUN
easat-7157	462	24	addressing	address	VERB
easat-7157	462	25	the	the	DET
easat-7157	462	26	needs	need	NOUN
easat-7157	462	27	of	of	ADP
easat-7157	462	28	the	the	DET
easat-7157	462	29	population	population	NOUN
easat-7157	462	30	.	.	PUNCT
easat-7157	463	1	it	it	PRON
easat-7157	463	2	has	have	AUX
easat-7157	463	3	been	be	AUX
easat-7157	463	4	established	establish	VERB
easat-7157	463	5	that	that	SCONJ
easat-7157	463	6	the	the	DET
easat-7157	463	7	primary	primary	ADJ
easat-7157	463	8	drivers	driver	NOUN
easat-7157	463	9	for	for	ADP
easat-7157	463	10	the	the	DET
easat-7157	463	11	implementation	implementation	NOUN
easat-7157	463	12	of	of	ADP
easat-7157	463	13	ai	ai	NOUN
easat-7157	463	14	in	in	ADP
easat-7157	463	15	financial	financial	ADJ
easat-7157	463	16	institutions	institution	NOUN
easat-7157	463	17	are	be	AUX
easat-7157	463	18	organizational	organizational	ADJ
easat-7157	463	19	,	,	PUNCT
easat-7157	463	20	societal	societal	ADJ
easat-7157	463	21	,	,	PUNCT
easat-7157	463	22	and	and	CCONJ
easat-7157	463	23	technological	technological	ADJ
easat-7157	463	24	in	in	ADP
easat-7157	463	25	nature	nature	NOUN
easat-7157	463	26	.	.	PUNCT
easat-7157	464	1	it	it	PRON
easat-7157	464	2	is	be	AUX
easat-7157	464	3	thus	thus	ADV
easat-7157	464	4	reasonable	reasonable	ADJ
easat-7157	464	5	to	to	PART
easat-7157	464	6	posit	posit	VERB
easat-7157	464	7	that	that	PRON
easat-7157	464	8	ai	ai	VERB
easat-7157	464	9	is	be	AUX
easat-7157	464	10	beneficial	beneficial	ADJ
easat-7157	464	11	for	for	ADP
easat-7157	464	12	community	community	NOUN
easat-7157	464	13	development	development	NOUN
easat-7157	464	14	because	because	SCONJ
easat-7157	464	15	it	it	PRON
easat-7157	464	16	provides	provide	VERB
easat-7157	464	17	wider	wide	ADJ
easat-7157	464	18	access	access	NOUN
easat-7157	464	19	to	to	ADP
easat-7157	464	20	banking	banking	NOUN
easat-7157	464	21	services	service	NOUN
easat-7157	464	22	and	and	CCONJ
easat-7157	464	23	simultaneously	simultaneously	ADV
easat-7157	464	24	decreases	decrease	VERB
easat-7157	464	25	the	the	DET
easat-7157	464	26	number	number	NOUN
easat-7157	464	27	of	of	ADP
easat-7157	464	28	physical	physical	ADJ
easat-7157	464	29	branches	branch	NOUN
easat-7157	464	30	relative	relative	ADJ
easat-7157	464	31	to	to	ADP
easat-7157	464	32	the	the	DET
easat-7157	464	33	population	population	NOUN
easat-7157	464	34	,	,	PUNCT
easat-7157	464	35	thereby	thereby	ADV
easat-7157	464	36	increasing	increase	VERB
easat-7157	464	37	service	service	NOUN
easat-7157	464	38	outlets	outlet	NOUN
easat-7157	464	39	.	.	PUNCT
easat-7157	465	1	ai	ai	AUX
easat-7157	465	2	also	also	ADV
easat-7157	465	3	brings	bring	VERB
easat-7157	465	4	important	important	ADJ
easat-7157	465	5	innovations	innovation	NOUN
easat-7157	465	6	in	in	ADP
easat-7157	465	7	the	the	DET
easat-7157	465	8	financial	financial	ADJ
easat-7157	465	9	sector	sector	NOUN
easat-7157	465	10	by	by	ADP
easat-7157	465	11	addressing	address	VERB
easat-7157	465	12	the	the	DET
easat-7157	465	13	ethical	ethical	ADJ
easat-7157	465	14	issues	issue	NOUN
easat-7157	465	15	of	of	ADP
easat-7157	465	16	ai	ai	ADJ
easat-7157	465	17	implementation	implementation	NOUN
easat-7157	465	18	regarding	regard	VERB
easat-7157	465	19	the	the	DET
easat-7157	465	20	reliability	reliability	NOUN
easat-7157	465	21	,	,	PUNCT
easat-7157	465	22	equity	equity	NOUN
easat-7157	465	23	,	,	PUNCT
easat-7157	465	24	and	and	CCONJ
easat-7157	465	25	transparency	transparency	NOUN
easat-7157	465	26	of	of	ADP
easat-7157	465	27	algorithms	algorithm	NOUN
easat-7157	465	28	and	and	CCONJ
easat-7157	465	29	their	their	PRON
easat-7157	465	30	results	result	NOUN
easat-7157	465	31	.	.	PUNCT
easat-7157	466	1	there	there	PRON
easat-7157	466	2	is	be	VERB
easat-7157	466	3	a	a	DET
easat-7157	466	4	need	need	NOUN
easat-7157	466	5	to	to	PART
easat-7157	466	6	develop	develop	VERB
easat-7157	466	7	ai	ai	VERB
easat-7157	466	8	-	-	PUNCT
easat-7157	466	9	enabled	enable	VERB
easat-7157	466	10	technologies	technology	NOUN
easat-7157	466	11	for	for	ADP
easat-7157	466	12	emerging	emerge	VERB
easat-7157	466	13	markets	market	NOUN
easat-7157	466	14	as	as	ADV
easat-7157	466	15	well	well	ADV
easat-7157	466	16	as	as	ADP
easat-7157	466	17	to	to	PART
easat-7157	466	18	modify	modify	VERB
easat-7157	466	19	existing	exist	VERB
easat-7157	466	20	regulations	regulation	NOUN
easat-7157	466	21	to	to	PART
easat-7157	466	22	foster	foster	VERB
easat-7157	466	23	technological	technological	ADJ
easat-7157	466	24	innovation	innovation	NOUN
easat-7157	466	25	and	and	CCONJ
easat-7157	466	26	aid	aid	NOUN
easat-7157	466	27	in	in	ADP
easat-7157	466	28	the	the	DET
easat-7157	466	29	cultivation	cultivation	NOUN
easat-7157	466	30	of	of	ADP
easat-7157	466	31	designable	designable	ADJ
easat-7157	466	32	resources	resource	NOUN
easat-7157	466	33	.	.	PUNCT
easat-7157	467	1	the	the	DET
easat-7157	467	2	implementation	implementation	NOUN
easat-7157	467	3	of	of	ADP
easat-7157	467	4	robust	robust	ADJ
easat-7157	467	5	ai	ai	NOUN
easat-7157	467	6	ethical	ethical	ADJ
easat-7157	467	7	standards	standard	NOUN
easat-7157	467	8	has	have	VERB
easat-7157	467	9	a	a	DET
easat-7157	467	10	positive	positive	ADJ
easat-7157	467	11	impact	impact	NOUN
easat-7157	467	12	on	on	ADP
easat-7157	467	13	financial	financial	ADJ
easat-7157	467	14	inclusion	inclusion	NOUN
easat-7157	467	15	and	and	CCONJ
easat-7157	467	16	contributes	contribute	VERB
easat-7157	467	17	to	to	ADP
easat-7157	467	18	socioeconomic	socioeconomic	ADJ
easat-7157	467	19	and	and	CCONJ
easat-7157	467	20	economic	economic	ADJ
easat-7157	467	21	development	development	NOUN
easat-7157	467	22	.	.	PUNCT
easat-7157	468	1	conversely	conversely	ADV
easat-7157	468	2	,	,	PUNCT
easat-7157	468	3	weak	weak	ADJ
easat-7157	468	4	enforcement	enforcement	NOUN
easat-7157	468	5	of	of	ADP
easat-7157	468	6	ai	ai	ADJ
easat-7157	468	7	ethics	ethic	NOUN
easat-7157	468	8	can	can	AUX
easat-7157	468	9	result	result	VERB
easat-7157	468	10	in	in	ADP
easat-7157	468	11	negative	negative	ADJ
easat-7157	468	12	socioeconomic	socioeconomic	ADJ
easat-7157	468	13	consequences	consequence	NOUN
easat-7157	468	14	and	and	CCONJ
easat-7157	468	15	hinder	hinder	VERB
easat-7157	468	16	broader	broad	ADJ
easat-7157	468	17	economic	economic	ADJ
easat-7157	468	18	progress	progress	NOUN
easat-7157	468	19	.	.	PUNCT
easat-7157	469	1	finally	finally	ADV
easat-7157	469	2	,	,	PUNCT
easat-7157	469	3	the	the	DET
easat-7157	469	4	financial	financial	ADJ
easat-7157	469	5	sector	sector	NOUN
easat-7157	469	6	needs	need	VERB
easat-7157	469	7	to	to	PART
easat-7157	469	8	reform	reform	VERB
easat-7157	469	9	its	its	PRON
easat-7157	469	10	resource	resource	NOUN
easat-7157	469	11	capabilities	capability	NOUN
easat-7157	469	12	to	to	PART
easat-7157	469	13	cope	cope	VERB
easat-7157	469	14	with	with	ADP
easat-7157	469	15	the	the	DET
easat-7157	469	16	dynamic	dynamic	ADJ
easat-7157	469	17	business	business	NOUN
easat-7157	469	18	environment	environment	NOUN
easat-7157	469	19	and	and	CCONJ
easat-7157	469	20	the	the	DET
easat-7157	469	21	growth	growth	NOUN
easat-7157	469	22	of	of	ADP
easat-7157	469	23	technological	technological	ADJ
easat-7157	469	24	innovation	innovation	NOUN
easat-7157	469	25	in	in	ADP
easat-7157	469	26	the	the	DET
easat-7157	469	27	emerging	emerge	VERB
easat-7157	469	28	economy	economy	NOUN
easat-7157	469	29	.	.	PUNCT
easat-7157	470	1	ai	ai	VERB
easat-7157	470	2	and	and	CCONJ
easat-7157	470	3	big	big	ADJ
easat-7157	470	4	data	datum	NOUN
easat-7157	470	5	can	can	AUX
easat-7157	470	6	potentially	potentially	ADV
easat-7157	470	7	increase	increase	VERB
easat-7157	470	8	defi	defi	NOUN
easat-7157	470	9	by	by	ADP
easat-7157	470	10	simplifying	simplify	VERB
easat-7157	470	11	interactions	interaction	NOUN
easat-7157	470	12	between	between	ADP
easat-7157	470	13	investors	investor	NOUN
easat-7157	470	14	and	and	CCONJ
easat-7157	470	15	their	their	PRON
easat-7157	470	16	financial	financial	ADJ
easat-7157	470	17	needs	need	NOUN
easat-7157	470	18	.	.	PUNCT
easat-7157	471	1	furthermore	furthermore	ADV
easat-7157	471	2	,	,	PUNCT
easat-7157	471	3	sophisticated	sophisticated	ADJ
easat-7157	471	4	technologies	technology	NOUN
easat-7157	471	5	have	have	AUX
easat-7157	471	6	changed	change	VERB
easat-7157	471	7	brokers	broker	NOUN
easat-7157	471	8	’	'	PUNCT
easat-7157	471	9	behaviour	behaviour	NOUN
easat-7157	471	10	by	by	ADP
easat-7157	471	11	creating	create	VERB
easat-7157	471	12	p2p	p2p	NOUN
easat-7157	471	13	lending	lending	NOUN
easat-7157	471	14	that	that	PRON
easat-7157	471	15	directly	directly	ADV
easat-7157	471	16	facilitates	facilitate	VERB
easat-7157	471	17	the	the	DET
easat-7157	471	18	exchange	exchange	NOUN
easat-7157	471	19	of	of	ADP
easat-7157	471	20	financial	financial	ADJ
easat-7157	471	21	needs	need	NOUN
easat-7157	471	22	and	and	CCONJ
easat-7157	471	23	borrowers	borrower	NOUN
easat-7157	471	24	;	;	PUNCT
easat-7157	471	25	thus	thus	ADV
easat-7157	471	26	,	,	PUNCT
easat-7157	471	27	ai	ai	AUX
easat-7157	471	28	enhances	enhance	VERB
easat-7157	471	29	society	society	NOUN
easat-7157	471	30	’s	’s	PART
easat-7157	471	31	access	access	NOUN
easat-7157	471	32	to	to	ADP
easat-7157	471	33	financial	financial	ADJ
easat-7157	471	34	banking	banking	NOUN
easat-7157	471	35	services	service	NOUN
easat-7157	471	36	and	and	CCONJ
easat-7157	471	37	increases	increase	VERB
easat-7157	471	38	financial	financial	ADJ
easat-7157	471	39	literacy	literacy	NOUN
easat-7157	471	40	.	.	PUNCT
easat-7157	472	1	7.1	7.1	NUM
easat-7157	472	2	.	.	PUNCT
easat-7157	472	3	limitations	limitation	NOUN
easat-7157	472	4	and	and	CCONJ
easat-7157	472	5	future	future	ADJ
easat-7157	472	6	studies	study	NOUN
easat-7157	472	7	despite	despite	SCONJ
easat-7157	472	8	the	the	DET
easat-7157	472	9	insights	insight	NOUN
easat-7157	472	10	provided	provide	VERB
easat-7157	472	11	by	by	ADP
easat-7157	472	12	this	this	DET
easat-7157	472	13	study	study	NOUN
easat-7157	472	14	,	,	PUNCT
easat-7157	472	15	several	several	ADJ
easat-7157	472	16	limitations	limitation	NOUN
easat-7157	472	17	warrant	warrant	VERB
easat-7157	472	18	consideration	consideration	NOUN
easat-7157	472	19	.	.	PUNCT
easat-7157	473	1	first	first	ADV
easat-7157	473	2	,	,	PUNCT
easat-7157	473	3	the	the	DET
easat-7157	473	4	scope	scope	NOUN
easat-7157	473	5	of	of	ADP
easat-7157	473	6	this	this	DET
easat-7157	473	7	study	study	NOUN
easat-7157	473	8	is	be	AUX
easat-7157	473	9	limited	limit	VERB
easat-7157	473	10	to	to	ADP
easat-7157	473	11	a	a	DET
easat-7157	473	12	review	review	NOUN
easat-7157	473	13	of	of	ADP
easat-7157	473	14	the	the	DET
easat-7157	473	15	existing	exist	VERB
easat-7157	473	16	literature	literature	NOUN
easat-7157	473	17	,	,	PUNCT
easat-7157	473	18	and	and	CCONJ
easat-7157	473	19	future	future	ADJ
easat-7157	473	20	studies	study	NOUN
easat-7157	473	21	can	can	AUX
easat-7157	473	22	benefit	benefit	VERB
easat-7157	473	23	from	from	ADP
easat-7157	473	24	empirical	empirical	ADJ
easat-7157	473	25	research	research	NOUN
easat-7157	473	26	to	to	PART
easat-7157	473	27	validate	validate	VERB
easat-7157	473	28	the	the	DET
easat-7157	473	29	hypotheses	hypothesis	NOUN
easat-7157	473	30	.	.	PUNCT
easat-7157	474	1	additionally	additionally	ADV
easat-7157	474	2	,	,	PUNCT
easat-7157	474	3	the	the	DET
easat-7157	474	4	analysis	analysis	NOUN
easat-7157	474	5	focuses	focus	VERB
easat-7157	474	6	primarily	primarily	ADV
easat-7157	474	7	on	on	ADP
easat-7157	474	8	the	the	DET
easat-7157	474	9	adoption	adoption	NOUN
easat-7157	474	10	of	of	ADP
easat-7157	474	11	ai	ai	VERB
easat-7157	474	12	in	in	ADP
easat-7157	474	13	the	the	DET
easat-7157	474	14	financial	financial	ADJ
easat-7157	474	15	sector	sector	NOUN
easat-7157	474	16	and	and	CCONJ
easat-7157	474	17	overlooks	overlook	VERB
easat-7157	474	18	potential	potential	ADJ
easat-7157	474	19	barriers	barrier	NOUN
easat-7157	474	20	and	and	CCONJ
easat-7157	474	21	challenges	challenge	NOUN
easat-7157	474	22	associated	associate	VERB
easat-7157	474	23	with	with	ADP
easat-7157	474	24	its	its	PRON
easat-7157	474	25	implementation	implementation	NOUN
easat-7157	474	26	.	.	PUNCT
easat-7157	475	1	subsequent	subsequent	ADJ
easat-7157	475	2	investigations	investigation	NOUN
easat-7157	475	3	must	must	AUX
easat-7157	475	4	delve	delve	VERB
easat-7157	475	5	deeper	deeply	ADV
easat-7157	475	6	into	into	ADP
easat-7157	475	7	these	these	DET
easat-7157	475	8	obstacles	obstacle	NOUN
easat-7157	475	9	and	and	CCONJ
easat-7157	475	10	identify	identify	VERB
easat-7157	475	11	practical	practical	ADJ
easat-7157	475	12	approaches	approach	NOUN
easat-7157	475	13	to	to	PART
easat-7157	475	14	address	address	VERB
easat-7157	475	15	them	they	PRON
easat-7157	475	16	effectively	effectively	ADV
easat-7157	475	17	.	.	PUNCT
easat-7157	476	1	furthermore	furthermore	ADV
easat-7157	476	2	,	,	PUNCT
easat-7157	476	3	although	although	SCONJ
easat-7157	476	4	this	this	DET
easat-7157	476	5	work	work	NOUN
easat-7157	476	6	emphasizes	emphasize	VERB
easat-7157	476	7	the	the	DET
easat-7157	476	8	advantages	advantage	NOUN
easat-7157	476	9	of	of	ADP
easat-7157	476	10	ai	ai	VERB
easat-7157	476	11	for	for	ADP
easat-7157	476	12	financial	financial	ADJ
easat-7157	476	13	inclusion	inclusion	NOUN
easat-7157	476	14	,	,	PUNCT
easat-7157	476	15	future	future	ADJ
easat-7157	476	16	research	research	NOUN
easat-7157	476	17	may	may	AUX
easat-7157	476	18	explore	explore	VERB
easat-7157	476	19	any	any	DET
easat-7157	476	20	unanticipated	unanticipated	ADJ
easat-7157	476	21	or	or	CCONJ
easat-7157	476	22	unfavourable	unfavourable	ADJ
easat-7157	476	23	effects	effect	NOUN
easat-7157	476	24	of	of	ADP
easat-7157	476	25	ai	ai	ADJ
easat-7157	476	26	adoption	adoption	NOUN
easat-7157	476	27	.	.	PUNCT
easat-7157	477	1	in	in	ADP
easat-7157	477	2	addition	addition	NOUN
easat-7157	477	3	,	,	PUNCT
easat-7157	477	4	this	this	DET
easat-7157	477	5	study	study	NOUN
easat-7157	477	6	focused	focus	VERB
easat-7157	477	7	solely	solely	ADV
easat-7157	477	8	on	on	ADP
easat-7157	477	9	the	the	DET
easat-7157	477	10	scopus	scopus	PROPN
easat-7157	477	11	database	database	NOUN
easat-7157	477	12	,	,	PUNCT
easat-7157	477	13	necessitating	necessitate	VERB
easat-7157	477	14	further	further	ADJ
easat-7157	477	15	research	research	NOUN
easat-7157	477	16	to	to	PART
easat-7157	477	17	cover	cover	VERB
easat-7157	477	18	more	more	ADJ
easat-7157	477	19	databases	database	NOUN
easat-7157	477	20	.	.	PUNCT
easat-7157	478	1	moreover	moreover	ADV
easat-7157	478	2	,	,	PUNCT
easat-7157	478	3	this	this	DET
easat-7157	478	4	study	study	NOUN
easat-7157	478	5	narrowed	narrow	VERB
easat-7157	478	6	the	the	DET
easat-7157	478	7	keywords	keyword	NOUN
easat-7157	478	8	,	,	PUNCT
easat-7157	478	9	encouraging	encourage	VERB
easat-7157	478	10	future	future	ADJ
easat-7157	478	11	research	research	NOUN
easat-7157	478	12	to	to	PART
easat-7157	478	13	include	include	VERB
easat-7157	478	14	ml	ml	NOUN
easat-7157	478	15	,	,	PUNCT
easat-7157	478	16	deep	deep	ADJ
easat-7157	478	17	learning	learning	NOUN
easat-7157	478	18	,	,	PUNCT
easat-7157	478	19	defi	defi	PROPN
easat-7157	478	20	,	,	PUNCT
easat-7157	478	21	sustainability	sustainability	NOUN
easat-7157	478	22	,	,	PUNCT
easat-7157	478	23	financial	financial	ADJ
easat-7157	478	24	literacy	literacy	NOUN
easat-7157	478	25	,	,	PUNCT
easat-7157	478	26	and	and	CCONJ
easat-7157	478	27	digital	digital	ADJ
easat-7157	478	28	finance	finance	NOUN
easat-7157	478	29	[	[	X
easat-7157	478	30	18	18	NUM
easat-7157	478	31	]	]	PUNCT
easat-7157	478	32	.	.	PUNCT
easat-7157	479	1	finally	finally	ADV
easat-7157	479	2	,	,	PUNCT
easat-7157	479	3	given	give	VERB
easat-7157	479	4	the	the	DET
easat-7157	479	5	rapidly	rapidly	ADV
easat-7157	479	6	evolving	evolve	VERB
easat-7157	479	7	nature	nature	NOUN
easat-7157	479	8	of	of	ADP
easat-7157	479	9	technology	technology	NOUN
easat-7157	479	10	and	and	CCONJ
easat-7157	479	11	financial	financial	ADJ
easat-7157	479	12	systems	system	NOUN
easat-7157	479	13	,	,	PUNCT
easat-7157	479	14	longitudinal	longitudinal	ADJ
easat-7157	479	15	studies	study	NOUN
easat-7157	479	16	are	be	AUX
easat-7157	479	17	needed	need	VERB
easat-7157	479	18	to	to	PART
easat-7157	479	19	track	track	VERB
easat-7157	479	20	changes	change	NOUN
easat-7157	479	21	in	in	ADP
easat-7157	479	22	ai	ai	ADJ
easat-7157	479	23	adoption	adoption	NOUN
easat-7157	479	24	and	and	CCONJ
easat-7157	479	25	its	its	PRON
easat-7157	479	26	impact	impact	NOUN
easat-7157	479	27	on	on	ADP
easat-7157	479	28	financial	financial	ADJ
easat-7157	479	29	inclusion	inclusion	NOUN
easat-7157	479	30	over	over	ADP
easat-7157	479	31	time	time	NOUN
easat-7157	479	32	.	.	PUNCT
easat-7157	480	1	overall	overall	ADV
easat-7157	480	2	,	,	PUNCT
easat-7157	480	3	addressing	address	VERB
easat-7157	480	4	these	these	DET
easat-7157	480	5	limitations	limitation	NOUN
easat-7157	480	6	will	will	AUX
easat-7157	480	7	provide	provide	VERB
easat-7157	480	8	a	a	DET
easat-7157	480	9	more	more	ADV
easat-7157	480	10	comprehensive	comprehensive	ADJ
easat-7157	480	11	understanding	understanding	NOUN
easat-7157	480	12	of	of	ADP
easat-7157	480	13	the	the	DET
easat-7157	480	14	role	role	NOUN
easat-7157	480	15	of	of	ADP
easat-7157	480	16	ai	ai	VERB
easat-7157	480	17	in	in	ADP
easat-7157	480	18	driving	drive	VERB
easat-7157	480	19	financial	financial	ADJ
easat-7157	480	20	inclusion	inclusion	NOUN
easat-7157	480	21	and	and	CCONJ
easat-7157	480	22	inform	inform	VERB
easat-7157	480	23	actionable	actionable	ADJ
easat-7157	480	24	strategies	strategy	NOUN
easat-7157	480	25	for	for	ADP
easat-7157	480	26	policymakers	policymaker	NOUN
easat-7157	480	27	,	,	PUNCT
easat-7157	480	28	financial	financial	ADJ
easat-7157	480	29	institutions	institution	NOUN
easat-7157	480	30	,	,	PUNCT
easat-7157	480	31	and	and	CCONJ
easat-7157	480	32	other	other	ADJ
easat-7157	480	33	stakeholders	stakeholder	NOUN
easat-7157	480	34	in	in	ADP
easat-7157	480	35	emerging	emerge	VERB
easat-7157	480	36	economies	economy	NOUN
easat-7157	480	37	.	.	PUNCT
easat-7157	481	1	this	this	DET
easat-7157	481	2	study	study	NOUN
easat-7157	481	3	recommends	recommend	VERB
easat-7157	481	4	investigating	investigate	VERB
easat-7157	481	5	the	the	DET
easat-7157	481	6	impact	impact	NOUN
easat-7157	481	7	of	of	ADP
easat-7157	481	8	ai	ai	VERB
easat-7157	481	9	on	on	ADP
easat-7157	481	10	defi	defi	NOUN
easat-7157	481	11	because	because	SCONJ
easat-7157	481	12	ai	ai	INTJ
easat-7157	481	13	is	be	AUX
easat-7157	481	14	a	a	DET
easat-7157	481	15	key	key	ADJ
easat-7157	481	16	player	player	NOUN
easat-7157	481	17	driving	drive	VERB
easat-7157	481	18	the	the	DET
easat-7157	481	19	interactions	interaction	NOUN
easat-7157	481	20	between	between	ADP
easat-7157	481	21	investors	investor	NOUN
easat-7157	481	22	and	and	CCONJ
easat-7157	481	23	financial	financial	ADJ
easat-7157	481	24	needs	need	NOUN
easat-7157	481	25	in	in	ADP
easat-7157	481	26	emerging	emerge	VERB
easat-7157	481	27	countries	country	NOUN
easat-7157	481	28	[	[	X
easat-7157	481	29	18	18	NUM
easat-7157	481	30	]	]	PUNCT
easat-7157	481	31	.	.	PUNCT
easat-7157	482	1	furthermore	furthermore	ADV
easat-7157	482	2	,	,	PUNCT
easat-7157	482	3	it	it	PRON
easat-7157	482	4	is	be	AUX
easat-7157	482	5	essential	essential	ADJ
easat-7157	482	6	to	to	PART
easat-7157	482	7	implement	implement	VERB
easat-7157	482	8	the	the	DET
easat-7157	482	9	toe	toe	NOUN
easat-7157	482	10	framework	framework	NOUN
easat-7157	482	11	to	to	PART
easat-7157	482	12	investigate	investigate	VERB
easat-7157	482	13	ai	ai	INTJ
easat-7157	482	14	and	and	CCONJ
easat-7157	482	15	its	its	PRON
easat-7157	482	16	effects	effect	NOUN
easat-7157	482	17	on	on	ADP
easat-7157	482	18	financial	financial	ADJ
easat-7157	482	19	inclusion	inclusion	NOUN
easat-7157	482	20	and	and	CCONJ
easat-7157	482	21	organizational	organizational	ADJ
easat-7157	482	22	performance	performance	NOUN
easat-7157	482	23	.	.	PUNCT
easat-7157	483	1	additionally	additionally	ADV
easat-7157	483	2	,	,	PUNCT
easat-7157	483	3	future	future	ADJ
easat-7157	483	4	studies	study	NOUN
easat-7157	483	5	should	should	AUX
easat-7157	483	6	examine	examine	VERB
easat-7157	483	7	the	the	DET
easat-7157	483	8	threat	threat	NOUN
easat-7157	483	9	of	of	ADP
easat-7157	483	10	ai	ai	VERB
easat-7157	483	11	to	to	ADP
easat-7157	483	12	financial	financial	ADJ
easat-7157	483	13	sector	sector	NOUN
easat-7157	483	14	employees	employee	NOUN
easat-7157	483	15	,	,	PUNCT
easat-7157	483	16	as	as	SCONJ
easat-7157	483	17	ai	ai	INTJ
easat-7157	483	18	may	may	AUX
easat-7157	483	19	take	take	VERB
easat-7157	483	20	over	over	ADP
easat-7157	483	21	their	their	PRON
easat-7157	483	22	roles	role	NOUN
easat-7157	483	23	.	.	PUNCT
easat-7157	484	1	furthermore	furthermore	ADV
easat-7157	484	2	,	,	PUNCT
easat-7157	484	3	emerging	emerge	VERB
easat-7157	484	4	markets	market	NOUN
easat-7157	484	5	need	need	VERB
easat-7157	484	6	to	to	PART
easat-7157	484	7	explore	explore	VERB
easat-7157	484	8	the	the	DET
easat-7157	484	9	role	role	NOUN
easat-7157	484	10	of	of	ADP
easat-7157	484	11	industry	industry	NOUN
easat-7157	484	12	4.0	4.0	NUM
easat-7157	484	13	in	in	ADP
easat-7157	484	14	achieving	achieve	VERB
easat-7157	484	15	sustainability	sustainability	NOUN
easat-7157	484	16	goals	goal	NOUN
easat-7157	484	17	.	.	PUNCT
easat-7157	485	1	finally	finally	ADV
easat-7157	485	2	,	,	PUNCT
easat-7157	485	3	this	this	DET
easat-7157	485	4	study	study	NOUN
easat-7157	485	5	recommends	recommend	VERB
easat-7157	485	6	examining	examine	VERB
easat-7157	485	7	financial	financial	ADJ
easat-7157	485	8	inclusion	inclusion	NOUN
easat-7157	485	9	by	by	ADP
easat-7157	485	10	comparing	compare	VERB
easat-7157	485	11	organizations	organization	NOUN
easat-7157	485	12	that	that	PRON
easat-7157	485	13	adopt	adopt	VERB
easat-7157	485	14	ai	ai	VERB
easat-7157	485	15	with	with	ADP
easat-7157	485	16	those	those	PRON
easat-7157	485	17	that	that	PRON
easat-7157	485	18	do	do	VERB
easat-7157	485	19	not	not	PART
easat-7157	485	20	.	.	PUNCT
easat-7157	486	1	we	we	PRON
easat-7157	486	2	also	also	ADV
easat-7157	486	3	encourage	encourage	VERB
easat-7157	486	4	future	future	ADJ
easat-7157	486	5	research	research	NOUN
easat-7157	486	6	to	to	PART
easat-7157	486	7	investigate	investigate	VERB
easat-7157	486	8	the	the	DET
easat-7157	486	9	potential	potential	ADJ
easat-7157	486	10	negative	negative	ADJ
easat-7157	486	11	impacts	impact	NOUN
easat-7157	486	12	of	of	ADP
easat-7157	486	13	ai	ai	PROPN
easat-7157	486	14	(	(	PUNCT
easat-7157	486	15	the	the	DET
easat-7157	486	16	dark	dark	ADJ
easat-7157	486	17	side	side	NOUN
easat-7157	486	18	of	of	ADP
easat-7157	486	19	ai	ai	NOUN
easat-7157	486	20	)	)	PUNCT
easat-7157	486	21	and	and	CCONJ
easat-7157	486	22	explore	explore	VERB
easat-7157	486	23	the	the	DET
easat-7157	486	24	role	role	NOUN
easat-7157	486	25	of	of	ADP
easat-7157	486	26	ai	ai	ADJ
easat-7157	486	27	ethics	ethic	NOUN
easat-7157	486	28	in	in	ADP
easat-7157	486	29	ensuring	ensure	VERB
easat-7157	486	30	its	its	PRON
easat-7157	486	31	effective	effective	ADJ
easat-7157	486	32	implementation	implementation	NOUN
easat-7157	486	33	.	.	PUNCT
easat-7157	487	1	such	such	ADJ
easat-7157	487	2	research	research	NOUN
easat-7157	487	3	can	can	AUX
easat-7157	487	4	help	help	VERB
easat-7157	487	5	maximize	maximize	VERB
easat-7157	487	6	the	the	DET
easat-7157	487	7	positive	positive	ADJ
easat-7157	487	8	effects	effect	NOUN
easat-7157	487	9	of	of	ADP
easat-7157	487	10	ai	ai	NOUN
easat-7157	487	11	on	on	ADP
easat-7157	487	12	financial	financial	ADJ
easat-7157	487	13	inclusion	inclusion	NOUN
easat-7157	487	14	.	.	PUNCT
easat-7157	488	1	1320	1320	NUM
easat-7157	488	2	edelweiss	edelweiss	PROPN
easat-7157	488	3	applied	apply	VERB
easat-7157	488	4	science	science	NOUN
easat-7157	488	5	and	and	CCONJ
easat-7157	488	6	technology	technology	NOUN
easat-7157	488	7	issn	issn	PROPN
easat-7157	488	8	:	:	PUNCT
easat-7157	488	9	2576	2576	NUM
easat-7157	488	10	-	-	SYM
easat-7157	488	11	8484	8484	NUM
easat-7157	488	12	vol	vol	NOUN
easat-7157	488	13	.	.	PROPN
easat-7157	489	1	9	9	NUM
easat-7157	489	2	,	,	PUNCT
easat-7157	489	3	no	no	INTJ
easat-7157	489	4	.	.	NOUN
easat-7157	489	5	5	5	NUM
easat-7157	489	6	:	:	SYM
easat-7157	489	7	1302	1302	NUM
easat-7157	489	8	-	-	SYM
easat-7157	489	9	1323	1323	NUM
easat-7157	489	10	,	,	PUNCT
easat-7157	489	11	2025	2025	NUM
easat-7157	489	12	doi	doi	NOUN
easat-7157	489	13	:	:	PUNCT
easat-7157	489	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	489	15	©	©	ADP
easat-7157	489	16	2025	2025	NUM
easat-7157	489	17	by	by	ADP
easat-7157	489	18	the	the	DET
easat-7157	489	19	authors	author	NOUN
easat-7157	489	20	;	;	PUNCT
easat-7157	490	1	licensee	licensee	PROPN
easat-7157	490	2	learning	learn	VERB
easat-7157	490	3	gate	gate	NOUN
easat-7157	490	4	transparency	transparency	NOUN
easat-7157	490	5	:	:	PUNCT
easat-7157	490	6	the	the	DET
easat-7157	490	7	authors	author	NOUN
easat-7157	490	8	confirm	confirm	VERB
easat-7157	490	9	that	that	SCONJ
easat-7157	490	10	the	the	DET
easat-7157	490	11	manuscript	manuscript	NOUN
easat-7157	490	12	is	be	AUX
easat-7157	490	13	an	an	DET
easat-7157	490	14	honest	honest	ADJ
easat-7157	490	15	,	,	PUNCT
easat-7157	490	16	accurate	accurate	ADJ
easat-7157	490	17	,	,	PUNCT
easat-7157	490	18	and	and	CCONJ
easat-7157	490	19	transparent	transparent	ADJ
easat-7157	490	20	account	account	NOUN
easat-7157	490	21	of	of	ADP
easat-7157	490	22	the	the	DET
easat-7157	490	23	study	study	NOUN
easat-7157	490	24	;	;	PUNCT
easat-7157	490	25	that	that	SCONJ
easat-7157	490	26	no	no	DET
easat-7157	490	27	vital	vital	ADJ
easat-7157	490	28	features	feature	NOUN
easat-7157	490	29	of	of	ADP
easat-7157	490	30	the	the	DET
easat-7157	490	31	study	study	NOUN
easat-7157	490	32	have	have	AUX
easat-7157	490	33	been	be	AUX
easat-7157	490	34	omitted	omit	VERB
easat-7157	490	35	;	;	PUNCT
easat-7157	490	36	and	and	CCONJ
easat-7157	490	37	that	that	SCONJ
easat-7157	490	38	any	any	DET
easat-7157	490	39	discrepancies	discrepancy	NOUN
easat-7157	490	40	from	from	ADP
easat-7157	490	41	the	the	DET
easat-7157	490	42	study	study	NOUN
easat-7157	490	43	as	as	SCONJ
easat-7157	490	44	planned	plan	VERB
easat-7157	490	45	have	have	AUX
easat-7157	490	46	been	be	AUX
easat-7157	490	47	explained	explain	VERB
easat-7157	490	48	.	.	PUNCT
easat-7157	491	1	this	this	DET
easat-7157	491	2	study	study	NOUN
easat-7157	491	3	followed	follow	VERB
easat-7157	491	4	all	all	DET
easat-7157	491	5	ethical	ethical	ADJ
easat-7157	491	6	practices	practice	NOUN
easat-7157	491	7	during	during	ADP
easat-7157	491	8	writing	writing	NOUN
easat-7157	491	9	.	.	PUNCT
easat-7157	492	1	authors	author	NOUN
easat-7157	492	2	'	'	PART
easat-7157	492	3	contributions	contribution	NOUN
easat-7157	492	4	:	:	PUNCT
easat-7157	492	5	the	the	DET
easat-7157	492	6	first	first	ADJ
easat-7157	492	7	author	author	NOUN
easat-7157	492	8	wrote	write	VERB
easat-7157	492	9	the	the	DET
easat-7157	492	10	entire	entire	ADJ
easat-7157	492	11	final	final	ADJ
easat-7157	492	12	manuscript	manuscript	NOUN
easat-7157	492	13	,	,	PUNCT
easat-7157	492	14	and	and	CCONJ
easat-7157	492	15	the	the	DET
easat-7157	492	16	second	second	ADJ
easat-7157	492	17	author	author	NOUN
easat-7157	492	18	supervised	supervise	VERB
easat-7157	492	19	this	this	DET
easat-7157	492	20	work	work	NOUN
easat-7157	492	21	.	.	PUNCT
easat-7157	493	1	copyright	copyright	NOUN
easat-7157	493	2	:	:	PUNCT
easat-7157	493	3	©	©	PROPN
easat-7157	493	4	2025	2025	NUM
easat-7157	493	5	by	by	ADP
easat-7157	493	6	the	the	DET
easat-7157	493	7	authors	author	NOUN
easat-7157	493	8	.	.	PUNCT
easat-7157	494	1	this	this	DET
easat-7157	494	2	open	open	ADJ
easat-7157	494	3	-	-	PUNCT
easat-7157	494	4	access	access	NOUN
easat-7157	494	5	article	article	NOUN
easat-7157	494	6	is	be	AUX
easat-7157	494	7	distributed	distribute	VERB
easat-7157	494	8	under	under	ADP
easat-7157	494	9	the	the	DET
easat-7157	494	10	terms	term	NOUN
easat-7157	494	11	and	and	CCONJ
easat-7157	494	12	conditions	condition	NOUN
easat-7157	494	13	of	of	ADP
easat-7157	494	14	the	the	DET
easat-7157	494	15	creative	creative	ADJ
easat-7157	494	16	commons	common	NOUN
easat-7157	494	17	attribution	attribution	NOUN
easat-7157	494	18	(	(	PUNCT
easat-7157	494	19	cc	cc	NOUN
easat-7157	494	20	by	by	ADP
easat-7157	494	21	)	)	PUNCT
easat-7157	494	22	license	license	NOUN
easat-7157	494	23	(	(	PUNCT
easat-7157	494	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7157	494	25	)	)	PUNCT
easat-7157	494	26	.	.	PUNCT
easat-7157	495	1	references	reference	NOUN
easat-7157	495	2	[	[	X
easat-7157	495	3	1	1	NUM
easat-7157	495	4	]	]	PUNCT
easat-7157	495	5	a.	a.	NOUN
easat-7157	495	6	telukdarie	telukdarie	NOUN
easat-7157	495	7	and	and	CCONJ
easat-7157	495	8	a.	a.	NOUN
easat-7157	495	9	mungar	mungar	NOUN
easat-7157	495	10	,	,	PUNCT
easat-7157	495	11	"	"	PUNCT
easat-7157	495	12	the	the	DET
easat-7157	495	13	impact	impact	NOUN
easat-7157	495	14	of	of	ADP
easat-7157	495	15	digital	digital	ADJ
easat-7157	495	16	financial	financial	ADJ
easat-7157	495	17	technology	technology	NOUN
easat-7157	495	18	on	on	ADP
easat-7157	495	19	accelerating	accelerate	VERB
easat-7157	495	20	financial	financial	ADJ
easat-7157	495	21	inclusion	inclusion	NOUN
easat-7157	495	22	in	in	ADP
easat-7157	495	23	developing	develop	VERB
easat-7157	495	24	economies	economy	NOUN
easat-7157	495	25	,	,	PUNCT
easat-7157	495	26	"	"	PUNCT
easat-7157	495	27	procedia	procedia	NOUN
easat-7157	495	28	computer	computer	NOUN
easat-7157	495	29	science	science	NOUN
easat-7157	495	30	,	,	PUNCT
easat-7157	495	31	vol	vol	NOUN
easat-7157	495	32	.	.	PROPN
easat-7157	495	33	217	217	NUM
easat-7157	495	34	,	,	PUNCT
easat-7157	495	35	pp	pp	ADJ
easat-7157	495	36	.	.	PUNCT
easat-7157	496	1	670	670	NUM
easat-7157	496	2	-	-	SYM
easat-7157	496	3	678	678	NUM
easat-7157	496	4	,	,	PUNCT
easat-7157	496	5	2023	2023	NUM
easat-7157	496	6	.	.	PUNCT
easat-7157	497	1	https://doi.org/10.1016/j.procs.2022.12.263	https://doi.org/10.1016/j.procs.2022.12.263	ADJ
easat-7157	497	2	[	[	X
easat-7157	497	3	2	2	NUM
easat-7157	497	4	]	]	PUNCT
easat-7157	497	5	v.	v.	CCONJ
easat-7157	497	6	corvello	corvello	PROPN
easat-7157	497	7	,	,	PUNCT
easat-7157	497	8	"	"	PUNCT
easat-7157	497	9	generative	generative	ADJ
easat-7157	497	10	ai	ai	NOUN
easat-7157	497	11	and	and	CCONJ
easat-7157	497	12	the	the	DET
easat-7157	497	13	future	future	NOUN
easat-7157	497	14	of	of	ADP
easat-7157	497	15	innovation	innovation	NOUN
easat-7157	497	16	management	management	NOUN
easat-7157	497	17	:	:	PUNCT
easat-7157	497	18	a	a	DET
easat-7157	497	19	human	human	ADJ
easat-7157	497	20	centered	center	VERB
easat-7157	497	21	perspective	perspective	NOUN
easat-7157	497	22	and	and	CCONJ
easat-7157	497	23	an	an	DET
easat-7157	497	24	agenda	agenda	NOUN
easat-7157	497	25	for	for	ADP
easat-7157	497	26	future	future	ADJ
easat-7157	497	27	research	research	NOUN
easat-7157	497	28	,	,	PUNCT
easat-7157	497	29	"	"	PUNCT
easat-7157	497	30	journal	journal	NOUN
easat-7157	497	31	of	of	ADP
easat-7157	497	32	open	open	ADJ
easat-7157	497	33	innovation	innovation	NOUN
easat-7157	497	34	:	:	PUNCT
easat-7157	497	35	technology	technology	NOUN
easat-7157	497	36	,	,	PUNCT
easat-7157	497	37	market	market	NOUN
easat-7157	497	38	,	,	PUNCT
easat-7157	497	39	and	and	CCONJ
easat-7157	497	40	complexity	complexity	NOUN
easat-7157	497	41	,	,	PUNCT
easat-7157	497	42	vol	vol	NOUN
easat-7157	497	43	.	.	PROPN
easat-7157	497	44	11	11	NUM
easat-7157	497	45	,	,	PUNCT
easat-7157	497	46	no	no	INTJ
easat-7157	497	47	.	.	NOUN
easat-7157	497	48	1	1	NUM
easat-7157	497	49	,	,	PUNCT
easat-7157	497	50	p.	p.	NOUN
easat-7157	497	51	100456	100456	NUM
easat-7157	497	52	,	,	PUNCT
easat-7157	497	53	2025	2025	NUM
easat-7157	497	54	.	.	PUNCT
easat-7157	498	1	https://doi.org/10.1016/j.joitmc.2024.100456	https://doi.org/10.1016/j.joitmc.2024.100456	PROPN
easat-7157	498	2	[	[	X
easat-7157	498	3	3	3	X
easat-7157	498	4	]	]	X
easat-7157	498	5	h.	h.	PROPN
easat-7157	498	6	kharrat	kharrat	PROPN
easat-7157	498	7	,	,	PUNCT
easat-7157	498	8	y.	y.	PROPN
easat-7157	498	9	trichilli	trichilli	PROPN
easat-7157	498	10	,	,	PUNCT
easat-7157	498	11	and	and	CCONJ
easat-7157	498	12	b.	b.	PROPN
easat-7157	498	13	abbes	abbe	NOUN
easat-7157	498	14	,	,	PUNCT
easat-7157	498	15	"	"	PUNCT
easat-7157	498	16	relationship	relationship	NOUN
easat-7157	498	17	between	between	ADP
easat-7157	498	18	fintech	fintech	NOUN
easat-7157	498	19	index	index	NOUN
easat-7157	498	20	and	and	CCONJ
easat-7157	498	21	bank	bank	NOUN
easat-7157	498	22	’s	’s	PART
easat-7157	498	23	performance	performance	NOUN
easat-7157	498	24	:	:	PUNCT
easat-7157	498	25	a	a	DET
easat-7157	498	26	comparative	comparative	ADJ
easat-7157	498	27	study	study	NOUN
easat-7157	498	28	between	between	ADP
easat-7157	498	29	islamic	islamic	ADJ
easat-7157	498	30	and	and	CCONJ
easat-7157	498	31	conventional	conventional	ADJ
easat-7157	498	32	banks	bank	NOUN
easat-7157	498	33	in	in	ADP
easat-7157	498	34	the	the	DET
easat-7157	498	35	mena	mena	PROPN
easat-7157	498	36	region	region	PROPN
easat-7157	498	37	,	,	PUNCT
easat-7157	498	38	"	"	PUNCT
easat-7157	498	39	journal	journal	NOUN
easat-7157	498	40	of	of	ADP
easat-7157	498	41	islamic	islamic	PROPN
easat-7157	498	42	accounting	accounting	PROPN
easat-7157	498	43	and	and	CCONJ
easat-7157	498	44	business	business	NOUN
easat-7157	498	45	research	research	NOUN
easat-7157	498	46	,	,	PUNCT
easat-7157	498	47	vol	vol	NOUN
easat-7157	498	48	.	.	PROPN
easat-7157	498	49	15	15	NUM
easat-7157	498	50	,	,	PUNCT
easat-7157	498	51	no	no	INTJ
easat-7157	498	52	.	.	NOUN
easat-7157	498	53	1	1	NUM
easat-7157	498	54	,	,	PUNCT
easat-7157	498	55	pp	pp	ADJ
easat-7157	498	56	.	.	PUNCT
easat-7157	499	1	172	172	NUM
easat-7157	499	2	-	-	SYM
easat-7157	499	3	195	195	NUM
easat-7157	499	4	,	,	PUNCT
easat-7157	499	5	2024	2024	NUM
easat-7157	499	6	.	.	PUNCT
easat-7157	500	1	https://doi.org/10.1108/jiabr-03-2022-0081	https://doi.org/10.1108/jiabr-03-2022-0081	PRON
easat-7157	501	1	[	[	X
easat-7157	501	2	4	4	X
easat-7157	501	3	]	]	X
easat-7157	501	4	b.	b.	PROPN
easat-7157	501	5	sanga	sanga	PROPN
easat-7157	501	6	and	and	CCONJ
easat-7157	501	7	m.	m.	NOUN
easat-7157	501	8	aziakpono	aziakpono	PROPN
easat-7157	501	9	,	,	PUNCT
easat-7157	501	10	"	"	PUNCT
easat-7157	501	11	fintech	fintech	NOUN
easat-7157	501	12	and	and	CCONJ
easat-7157	501	13	smes	sme	NOUN
easat-7157	501	14	financing	financing	NOUN
easat-7157	501	15	:	:	PUNCT
easat-7157	501	16	a	a	DET
easat-7157	501	17	systematic	systematic	ADJ
easat-7157	501	18	literature	literature	NOUN
easat-7157	501	19	review	review	NOUN
easat-7157	501	20	and	and	CCONJ
easat-7157	501	21	bibliometric	bibliometric	ADJ
easat-7157	501	22	analysis	analysis	NOUN
easat-7157	501	23	,	,	PUNCT
easat-7157	501	24	"	"	PUNCT
easat-7157	501	25	digital	digital	ADJ
easat-7157	501	26	business	business	NOUN
easat-7157	501	27	,	,	PUNCT
easat-7157	501	28	vol	vol	NOUN
easat-7157	501	29	.	.	PROPN
easat-7157	501	30	3	3	NUM
easat-7157	501	31	,	,	PUNCT
easat-7157	501	32	no	no	INTJ
easat-7157	501	33	.	.	NOUN
easat-7157	501	34	2	2	NUM
easat-7157	501	35	,	,	PUNCT
easat-7157	501	36	p.	p.	NOUN
easat-7157	501	37	100067	100067	NUM
easat-7157	501	38	,	,	PUNCT
easat-7157	501	39	2023	2023	NUM
easat-7157	501	40	.	.	PUNCT
easat-7157	502	1	https://doi.org/10.1016/j.digbus.2023.100067	https://doi.org/10.1016/j.digbus.2023.100067	PROPN
easat-7157	502	2	[	[	X
easat-7157	502	3	5	5	X
easat-7157	502	4	]	]	PUNCT
easat-7157	502	5	x.	x.	PROPN
easat-7157	502	6	yu	yu	PROPN
easat-7157	502	7	,	,	PUNCT
easat-7157	502	8	s.	s.	PROPN
easat-7157	502	9	xu	xu	PROPN
easat-7157	502	10	,	,	PUNCT
easat-7157	502	11	and	and	CCONJ
easat-7157	502	12	m.	m.	PROPN
easat-7157	502	13	ashton	ashton	PROPN
easat-7157	502	14	,	,	PUNCT
easat-7157	502	15	"	"	PUNCT
easat-7157	502	16	antecedents	antecedent	NOUN
easat-7157	502	17	and	and	CCONJ
easat-7157	502	18	outcomes	outcome	NOUN
easat-7157	502	19	of	of	ADP
easat-7157	502	20	artificial	artificial	ADJ
easat-7157	502	21	intelligence	intelligence	NOUN
easat-7157	502	22	adoption	adoption	NOUN
easat-7157	502	23	and	and	CCONJ
easat-7157	502	24	application	application	NOUN
easat-7157	502	25	in	in	ADP
easat-7157	502	26	the	the	DET
easat-7157	502	27	workplace	workplace	NOUN
easat-7157	502	28	:	:	PUNCT
easat-7157	502	29	the	the	DET
easat-7157	502	30	socio	socio	NOUN
easat-7157	502	31	-	-	PUNCT
easat-7157	502	32	technical	technical	ADJ
easat-7157	502	33	system	system	NOUN
easat-7157	502	34	theory	theory	NOUN
easat-7157	502	35	perspective	perspective	NOUN
easat-7157	502	36	,	,	PUNCT
easat-7157	502	37	"	"	PUNCT
easat-7157	502	38	information	information	NOUN
easat-7157	502	39	technology	technology	NOUN
easat-7157	502	40	&	&	CCONJ
easat-7157	502	41	people	people	NOUN
easat-7157	502	42	,	,	PUNCT
easat-7157	502	43	vol	vol	NOUN
easat-7157	502	44	.	.	PROPN
easat-7157	502	45	36	36	NUM
easat-7157	502	46	,	,	PUNCT
easat-7157	502	47	no	no	INTJ
easat-7157	502	48	.	.	NOUN
easat-7157	502	49	1	1	NUM
easat-7157	502	50	,	,	PUNCT
easat-7157	502	51	pp	pp	ADJ
easat-7157	502	52	.	.	PUNCT
easat-7157	502	53	454474	454474	NUM
easat-7157	502	54	,	,	PUNCT
easat-7157	502	55	2023	2023	NUM
easat-7157	502	56	.	.	PUNCT
easat-7157	503	1	https://doi.org/10.1108/itp-04-2021-0254	https://doi.org/10.1108/itp-04-2021-0254	X
easat-7157	503	2	[	[	X
easat-7157	503	3	6	6	NUM
easat-7157	503	4	]	]	X
easat-7157	503	5	i.	i.	PROPN
easat-7157	503	6	s.	s.	PROPN
easat-7157	503	7	almashhadani	almashhadani	PROPN
easat-7157	503	8	,	,	PUNCT
easat-7157	503	9	m.	m.	NOUN
easat-7157	503	10	abuhashesh	abuhashesh	NOUN
easat-7157	503	11	,	,	PUNCT
easat-7157	503	12	a.	a.	NOUN
easat-7157	503	13	bany	bany	PROPN
easat-7157	503	14	mohammad	mohammad	PROPN
easat-7157	503	15	,	,	PUNCT
easat-7157	503	16	r.	r.	PROPN
easat-7157	503	17	e.	e.	PROPN
easat-7157	503	18	masa’deh	masa’deh	PROPN
easat-7157	503	19	,	,	PUNCT
easat-7157	503	20	and	and	CCONJ
easat-7157	503	21	m.	m.	PROPN
easat-7157	503	22	al	al	PROPN
easat-7157	503	23	-	-	PUNCT
easat-7157	503	24	khasawneh	khasawneh	PROPN
easat-7157	503	25	,	,	PUNCT
easat-7157	503	26	"	"	PUNCT
easat-7157	503	27	exploring	explore	VERB
easat-7157	503	28	the	the	DET
easat-7157	503	29	determinants	determinant	NOUN
easat-7157	503	30	of	of	ADP
easat-7157	503	31	fintech	fintech	NOUN
easat-7157	503	32	adoption	adoption	NOUN
easat-7157	503	33	and	and	CCONJ
easat-7157	503	34	intention	intention	NOUN
easat-7157	503	35	to	to	PART
easat-7157	503	36	use	use	VERB
easat-7157	503	37	in	in	ADP
easat-7157	503	38	jordan	jordan	PROPN
easat-7157	503	39	:	:	PUNCT
easat-7157	503	40	the	the	DET
easat-7157	503	41	impact	impact	NOUN
easat-7157	503	42	of	of	ADP
easat-7157	503	43	covid-19	covid-19	PROPN
easat-7157	503	44	,	,	PUNCT
easat-7157	503	45	"	"	PUNCT
easat-7157	503	46	cogent	cogent	ADJ
easat-7157	503	47	social	social	ADJ
easat-7157	503	48	sciences	science	NOUN
easat-7157	503	49	,	,	PUNCT
easat-7157	503	50	vol	vol	NOUN
easat-7157	503	51	.	.	NOUN
easat-7157	504	1	9	9	NUM
easat-7157	504	2	,	,	PUNCT
easat-7157	504	3	no	no	INTJ
easat-7157	504	4	.	.	NOUN
easat-7157	504	5	2	2	NUM
easat-7157	504	6	,	,	PUNCT
easat-7157	504	7	p.	p.	NOUN
easat-7157	504	8	2256536	2256536	NUM
easat-7157	504	9	,	,	PUNCT
easat-7157	504	10	2023	2023	NUM
easat-7157	504	11	.	.	PUNCT
easat-7157	505	1	https://doi.org/10.1080/23311886.2023.2256536	https://doi.org/10.1080/23311886.2023.2256536	X
easat-7157	506	1	[	[	X
easat-7157	506	2	7	7	X
easat-7157	506	3	]	]	X
easat-7157	506	4	f.	f.	PROPN
easat-7157	506	5	manca	manca	PROPN
easat-7157	506	6	,	,	PUNCT
easat-7157	506	7	a.	a.	PROPN
easat-7157	506	8	sivakumar	sivakumar	PROPN
easat-7157	506	9	,	,	PUNCT
easat-7157	506	10	and	and	CCONJ
easat-7157	506	11	j.	j.	PROPN
easat-7157	506	12	w.	w.	PROPN
easat-7157	506	13	polak	polak	PROPN
easat-7157	506	14	,	,	PUNCT
easat-7157	506	15	"	"	PUNCT
easat-7157	506	16	the	the	DET
easat-7157	506	17	effect	effect	NOUN
easat-7157	506	18	of	of	ADP
easat-7157	506	19	social	social	ADJ
easat-7157	506	20	influence	influence	NOUN
easat-7157	506	21	and	and	CCONJ
easat-7157	506	22	social	social	ADJ
easat-7157	506	23	interactions	interaction	NOUN
easat-7157	506	24	on	on	ADP
easat-7157	506	25	the	the	DET
easat-7157	506	26	adoption	adoption	NOUN
easat-7157	506	27	of	of	ADP
easat-7157	506	28	a	a	DET
easat-7157	506	29	new	new	ADJ
easat-7157	506	30	technology	technology	NOUN
easat-7157	506	31	:	:	PUNCT
easat-7157	506	32	the	the	DET
easat-7157	506	33	use	use	NOUN
easat-7157	506	34	of	of	ADP
easat-7157	506	35	bike	bike	NOUN
easat-7157	506	36	sharing	sharing	NOUN
easat-7157	506	37	in	in	ADP
easat-7157	506	38	a	a	DET
easat-7157	506	39	student	student	NOUN
easat-7157	506	40	population	population	NOUN
easat-7157	506	41	,	,	PUNCT
easat-7157	506	42	"	"	PUNCT
easat-7157	506	43	transportation	transportation	NOUN
easat-7157	506	44	research	research	NOUN
easat-7157	506	45	part	part	NOUN
easat-7157	506	46	c	c	NOUN
easat-7157	506	47	:	:	PUNCT
easat-7157	506	48	emerging	emerge	VERB
easat-7157	506	49	technologies	technology	NOUN
easat-7157	506	50	,	,	PUNCT
easat-7157	506	51	vol	vol	NOUN
easat-7157	506	52	.	.	PROPN
easat-7157	506	53	105	105	NUM
easat-7157	506	54	,	,	PUNCT
easat-7157	506	55	pp	pp	ADJ
easat-7157	506	56	.	.	PUNCT
easat-7157	507	1	611	611	NUM
easat-7157	507	2	-	-	SYM
easat-7157	507	3	625	625	NUM
easat-7157	507	4	,	,	PUNCT
easat-7157	507	5	2019	2019	NUM
easat-7157	507	6	.	.	PUNCT
easat-7157	508	1	https://doi.org/10.1016/j.trc.2019.02.010	https://doi.org/10.1016/j.trc.2019.02.010	NOUN
easat-7157	509	1	[	[	X
easat-7157	509	2	8	8	X
easat-7157	509	3	]	]	X
easat-7157	509	4	d.	d.	PROPN
easat-7157	509	5	mhlanga	mhlanga	PROPN
easat-7157	509	6	,	,	PUNCT
easat-7157	509	7	"	"	PUNCT
easat-7157	509	8	artificial	artificial	ADJ
easat-7157	509	9	intelligence	intelligence	NOUN
easat-7157	509	10	in	in	ADP
easat-7157	509	11	the	the	DET
easat-7157	509	12	industry	industry	NOUN
easat-7157	509	13	4.0	4.0	NUM
easat-7157	509	14	,	,	PUNCT
easat-7157	509	15	and	and	CCONJ
easat-7157	509	16	its	its	PRON
easat-7157	509	17	impact	impact	NOUN
easat-7157	509	18	on	on	ADP
easat-7157	509	19	poverty	poverty	NOUN
easat-7157	509	20	,	,	PUNCT
easat-7157	509	21	innovation	innovation	NOUN
easat-7157	509	22	,	,	PUNCT
easat-7157	509	23	infrastructure	infrastructure	NOUN
easat-7157	509	24	development	development	NOUN
easat-7157	509	25	,	,	PUNCT
easat-7157	509	26	and	and	CCONJ
easat-7157	509	27	the	the	DET
easat-7157	509	28	sustainable	sustainable	ADJ
easat-7157	509	29	development	development	NOUN
easat-7157	509	30	goals	goal	NOUN
easat-7157	509	31	:	:	PUNCT
easat-7157	509	32	lessons	lesson	NOUN
easat-7157	509	33	from	from	ADP
easat-7157	509	34	emerging	emerge	VERB
easat-7157	509	35	economies	economy	NOUN
easat-7157	509	36	?	?	PUNCT
easat-7157	509	37	,	,	PUNCT
easat-7157	509	38	"	"	PUNCT
easat-7157	509	39	sustainability	sustainability	NOUN
easat-7157	509	40	,	,	PUNCT
easat-7157	509	41	vol	vol	NOUN
easat-7157	509	42	.	.	PROPN
easat-7157	509	43	13	13	NUM
easat-7157	509	44	,	,	PUNCT
easat-7157	509	45	no	no	INTJ
easat-7157	509	46	.	.	NOUN
easat-7157	509	47	11	11	NUM
easat-7157	509	48	,	,	PUNCT
easat-7157	509	49	p.	p.	NOUN
easat-7157	509	50	5788	5788	NUM
easat-7157	509	51	,	,	PUNCT
easat-7157	509	52	2021	2021	NUM
easat-7157	509	53	.	.	PUNCT
easat-7157	510	1	https://doi.org/10.3390/su13115788	https://doi.org/10.3390/su13115788	X
easat-7157	511	1	[	[	X
easat-7157	511	2	9	9	NUM
easat-7157	511	3	]	]	PUNCT
easat-7157	511	4	d.	d.	PROPN
easat-7157	511	5	mhlanga	mhlanga	PROPN
easat-7157	511	6	,	,	PUNCT
easat-7157	511	7	"	"	PUNCT
easat-7157	511	8	industry	industry	NOUN
easat-7157	511	9	4.0	4.0	NUM
easat-7157	511	10	in	in	ADP
easat-7157	511	11	finance	finance	NOUN
easat-7157	511	12	:	:	PUNCT
easat-7157	511	13	the	the	DET
easat-7157	511	14	impact	impact	NOUN
easat-7157	511	15	of	of	ADP
easat-7157	511	16	artificial	artificial	ADJ
easat-7157	511	17	intelligence	intelligence	NOUN
easat-7157	511	18	(	(	PUNCT
easat-7157	511	19	ai	ai	NOUN
easat-7157	511	20	)	)	PUNCT
easat-7157	511	21	on	on	ADP
easat-7157	511	22	digital	digital	ADJ
easat-7157	511	23	financial	financial	ADJ
easat-7157	511	24	inclusion	inclusion	NOUN
easat-7157	511	25	,	,	PUNCT
easat-7157	511	26	"	"	PUNCT
easat-7157	511	27	international	international	ADJ
easat-7157	511	28	journal	journal	NOUN
easat-7157	511	29	of	of	ADP
easat-7157	511	30	financial	financial	ADJ
easat-7157	511	31	studies	study	NOUN
easat-7157	511	32	,	,	PUNCT
easat-7157	511	33	vol	vol	NOUN
easat-7157	511	34	.	.	PROPN
easat-7157	511	35	8	8	NUM
easat-7157	511	36	,	,	PUNCT
easat-7157	511	37	no	no	INTJ
easat-7157	511	38	.	.	NOUN
easat-7157	511	39	3	3	NUM
easat-7157	511	40	,	,	PUNCT
easat-7157	511	41	pp	pp	ADJ
easat-7157	511	42	.	.	PUNCT
easat-7157	512	1	1	1	NUM
easat-7157	512	2	-	-	SYM
easat-7157	512	3	14	14	NUM
easat-7157	512	4	,	,	PUNCT
easat-7157	512	5	2020	2020	NUM
easat-7157	512	6	.	.	PUNCT
easat-7157	513	1	https://doi.org/10.3390/ijfs8030045	https://doi.org/10.3390/ijfs8030045	ADJ
easat-7157	513	2	[	[	X
easat-7157	513	3	10	10	NUM
easat-7157	513	4	]	]	PUNCT
easat-7157	513	5	a.	a.	NOUN
easat-7157	513	6	van	van	PROPN
easat-7157	513	7	wynsberghe	wynsberghe	PROPN
easat-7157	513	8	,	,	PUNCT
easat-7157	513	9	"	"	PUNCT
easat-7157	513	10	sustainable	sustainable	ADJ
easat-7157	513	11	ai	ai	NOUN
easat-7157	513	12	:	:	PUNCT
easat-7157	513	13	ai	ai	VERB
easat-7157	513	14	for	for	ADP
easat-7157	513	15	sustainability	sustainability	NOUN
easat-7157	513	16	and	and	CCONJ
easat-7157	513	17	the	the	DET
easat-7157	513	18	sustainability	sustainability	NOUN
easat-7157	513	19	of	of	ADP
easat-7157	513	20	ai	ai	NOUN
easat-7157	513	21	,	,	PUNCT
easat-7157	513	22	"	"	PUNCT
easat-7157	513	23	ai	ai	INTJ
easat-7157	513	24	and	and	CCONJ
easat-7157	513	25	ethics	ethic	NOUN
easat-7157	513	26	,	,	PUNCT
easat-7157	513	27	vol	vol	NOUN
easat-7157	513	28	.	.	PROPN
easat-7157	514	1	1	1	NUM
easat-7157	514	2	,	,	PUNCT
easat-7157	514	3	no	no	INTJ
easat-7157	514	4	.	.	NOUN
easat-7157	514	5	3	3	NUM
easat-7157	514	6	,	,	PUNCT
easat-7157	514	7	pp	pp	ADJ
easat-7157	514	8	.	.	PUNCT
easat-7157	515	1	213	213	NUM
easat-7157	515	2	-	-	SYM
easat-7157	515	3	218	218	NUM
easat-7157	515	4	,	,	PUNCT
easat-7157	515	5	2021	2021	NUM
easat-7157	515	6	.	.	PUNCT
easat-7157	516	1	https://doi.org/10.1007/s43681-021-00043-6	https://doi.org/10.1007/s43681-021-00043-6	NUM
easat-7157	517	1	[	[	X
easat-7157	517	2	11	11	NUM
easat-7157	517	3	]	]	PUNCT
easat-7157	517	4	s.-l	s.-l	NOUN
easat-7157	517	5	.	.	PUNCT
easat-7157	518	1	wamba	wamba	NOUN
easat-7157	518	2	-	-	PUNCT
easat-7157	518	3	taguimdje	taguimdje	NOUN
easat-7157	518	4	,	,	PUNCT
easat-7157	518	5	s.	s.	PROPN
easat-7157	518	6	fosso	fosso	PROPN
easat-7157	518	7	wamba	wamba	PROPN
easat-7157	518	8	,	,	PUNCT
easat-7157	518	9	j.	j.	PROPN
easat-7157	518	10	r.	r.	PROPN
easat-7157	518	11	kala	kala	PROPN
easat-7157	518	12	kamdjoug	kamdjoug	PROPN
easat-7157	518	13	,	,	PUNCT
easat-7157	518	14	and	and	CCONJ
easat-7157	518	15	c.	c.	PROPN
easat-7157	518	16	e.	e.	PROPN
easat-7157	518	17	tchatchouang	tchatchouang	PROPN
easat-7157	518	18	wanko	wanko	PROPN
easat-7157	518	19	,	,	PUNCT
easat-7157	518	20	"	"	PUNCT
easat-7157	518	21	influence	influence	NOUN
easat-7157	518	22	of	of	ADP
easat-7157	518	23	artificial	artificial	ADJ
easat-7157	518	24	intelligence	intelligence	NOUN
easat-7157	518	25	(	(	PUNCT
easat-7157	518	26	ai	ai	NOUN
easat-7157	518	27	)	)	PUNCT
easat-7157	518	28	on	on	ADP
easat-7157	518	29	firm	firm	ADJ
easat-7157	518	30	performance	performance	NOUN
easat-7157	518	31	:	:	PUNCT
easat-7157	518	32	the	the	DET
easat-7157	518	33	business	business	NOUN
easat-7157	518	34	value	value	NOUN
easat-7157	518	35	of	of	ADP
easat-7157	518	36	ai	ai	NOUN
easat-7157	518	37	-	-	PUNCT
easat-7157	518	38	based	base	VERB
easat-7157	518	39	transformation	transformation	NOUN
easat-7157	518	40	projects	project	NOUN
easat-7157	518	41	,	,	PUNCT
easat-7157	518	42	"	"	PUNCT
easat-7157	518	43	business	business	NOUN
easat-7157	518	44	process	process	NOUN
easat-7157	518	45	management	management	NOUN
easat-7157	518	46	journal	journal	NOUN
easat-7157	518	47	,	,	PUNCT
easat-7157	518	48	vol	vol	NOUN
easat-7157	518	49	.	.	PROPN
easat-7157	518	50	26	26	NUM
easat-7157	518	51	,	,	PUNCT
easat-7157	518	52	no	no	INTJ
easat-7157	518	53	.	.	NOUN
easat-7157	518	54	7	7	NUM
easat-7157	518	55	,	,	PUNCT
easat-7157	518	56	pp	pp	ADJ
easat-7157	518	57	.	.	PUNCT
easat-7157	519	1	1893	1893	NUM
easat-7157	519	2	-	-	SYM
easat-7157	519	3	1924	1924	NUM
easat-7157	519	4	,	,	PUNCT
easat-7157	519	5	2020	2020	NUM
easat-7157	519	6	.	.	PUNCT
easat-7157	520	1	https://doi.org/10.1108/bpmj-10-2019-0411	https://doi.org/10.1108/bpmj-10-2019-0411	NOUN
easat-7157	520	2	[	[	X
easat-7157	520	3	12	12	NUM
easat-7157	520	4	]	]	PUNCT
easat-7157	520	5	m.	m.	NOUN
easat-7157	520	6	aloulou	aloulou	PROPN
easat-7157	520	7	,	,	PUNCT
easat-7157	520	8	r.	r.	PROPN
easat-7157	520	9	grati	grati	PROPN
easat-7157	520	10	,	,	PUNCT
easat-7157	520	11	a.	a.	PROPN
easat-7157	520	12	a.	a.	PROPN
easat-7157	520	13	al	al	PROPN
easat-7157	520	14	-	-	PUNCT
easat-7157	520	15	qudah	qudah	PROPN
easat-7157	520	16	,	,	PUNCT
easat-7157	520	17	and	and	CCONJ
easat-7157	520	18	m.	m.	PROPN
easat-7157	520	19	al	al	PROPN
easat-7157	520	20	-	-	PROPN
easat-7157	520	21	okaily	okaily	ADV
easat-7157	520	22	,	,	PUNCT
easat-7157	520	23	"	"	PUNCT
easat-7157	520	24	does	do	AUX
easat-7157	520	25	fintech	fintech	NOUN
easat-7157	520	26	adoption	adoption	NOUN
easat-7157	520	27	increase	increase	VERB
easat-7157	520	28	the	the	DET
easat-7157	520	29	diffusion	diffusion	NOUN
easat-7157	520	30	rate	rate	NOUN
easat-7157	520	31	of	of	ADP
easat-7157	520	32	digital	digital	ADJ
easat-7157	520	33	financial	financial	ADJ
easat-7157	520	34	inclusion	inclusion	NOUN
easat-7157	520	35	?	?	PUNCT
easat-7157	521	1	a	a	DET
easat-7157	521	2	study	study	NOUN
easat-7157	521	3	of	of	ADP
easat-7157	521	4	the	the	DET
easat-7157	521	5	banking	banking	NOUN
easat-7157	521	6	industry	industry	NOUN
easat-7157	521	7	sector	sector	NOUN
easat-7157	521	8	,	,	PUNCT
easat-7157	521	9	"	"	PUNCT
easat-7157	521	10	journal	journal	NOUN
easat-7157	521	11	of	of	ADP
easat-7157	521	12	financial	financial	ADJ
easat-7157	521	13	reporting	reporting	NOUN
easat-7157	521	14	and	and	CCONJ
easat-7157	521	15	accounting	accounting	NOUN
easat-7157	521	16	,	,	PUNCT
easat-7157	521	17	vol	vol	NOUN
easat-7157	521	18	.	.	PROPN
easat-7157	521	19	22	22	NUM
easat-7157	521	20	,	,	PUNCT
easat-7157	521	21	no	no	INTJ
easat-7157	521	22	.	.	NOUN
easat-7157	521	23	2	2	NUM
easat-7157	521	24	,	,	PUNCT
easat-7157	521	25	pp	pp	ADJ
easat-7157	521	26	.	.	PUNCT
easat-7157	522	1	289	289	NUM
easat-7157	522	2	-	-	SYM
easat-7157	522	3	307	307	NUM
easat-7157	522	4	,	,	PUNCT
easat-7157	522	5	2024	2024	NUM
easat-7157	522	6	.	.	PUNCT
easat-7157	523	1	https://doi.org/10.1108/jfra-05-2023-0224	https://doi.org/10.1108/jfra-05-2023-0224	ADJ
easat-7157	523	2	[	[	X
easat-7157	523	3	13	13	NUM
easat-7157	523	4	]	]	PUNCT
easat-7157	523	5	b.	b.	PROPN
easat-7157	523	6	a.	a.	PROPN
easat-7157	523	7	eren	eren	PROPN
easat-7157	523	8	,	,	PUNCT
easat-7157	523	9	"	"	PUNCT
easat-7157	523	10	determinants	determinant	NOUN
easat-7157	523	11	of	of	ADP
easat-7157	523	12	customer	customer	NOUN
easat-7157	523	13	satisfaction	satisfaction	NOUN
easat-7157	523	14	in	in	ADP
easat-7157	523	15	chatbot	chatbot	NOUN
easat-7157	523	16	use	use	NOUN
easat-7157	523	17	:	:	PUNCT
easat-7157	523	18	evidence	evidence	NOUN
easat-7157	523	19	from	from	ADP
easat-7157	523	20	a	a	DET
easat-7157	523	21	banking	banking	NOUN
easat-7157	523	22	application	application	NOUN
easat-7157	523	23	in	in	ADP
easat-7157	523	24	turkey	turkey	NOUN
easat-7157	523	25	,	,	PUNCT
easat-7157	523	26	"	"	PUNCT
easat-7157	523	27	international	international	ADJ
easat-7157	523	28	journal	journal	NOUN
easat-7157	523	29	of	of	ADP
easat-7157	523	30	bank	bank	PROPN
easat-7157	523	31	marketing	marketing	NOUN
easat-7157	523	32	,	,	PUNCT
easat-7157	523	33	vol	vol	NOUN
easat-7157	523	34	.	.	PROPN
easat-7157	523	35	39	39	NUM
easat-7157	523	36	,	,	PUNCT
easat-7157	523	37	no	no	INTJ
easat-7157	523	38	.	.	NOUN
easat-7157	523	39	2	2	NUM
easat-7157	523	40	,	,	PUNCT
easat-7157	523	41	pp	pp	ADJ
easat-7157	523	42	.	.	PUNCT
easat-7157	524	1	294	294	NUM
easat-7157	524	2	-	-	SYM
easat-7157	524	3	311	311	NUM
easat-7157	524	4	,	,	PUNCT
easat-7157	524	5	2021	2021	NUM
easat-7157	524	6	.	.	PUNCT
easat-7157	525	1	https://doi.org/10.1108/ijbm-02-20200056	https://doi.org/10.1108/ijbm-02-20200056	X
easat-7157	526	1	[	[	X
easat-7157	526	2	14	14	NUM
easat-7157	526	3	]	]	PUNCT
easat-7157	526	4	t.	t.	PROPN
easat-7157	526	5	l.	l.	PROPN
easat-7157	526	6	nguyen	nguyen	PROPN
easat-7157	526	7	,	,	PUNCT
easat-7157	526	8	v.	v.	ADP
easat-7157	526	9	p.	p.	PROPN
easat-7157	526	10	nguyen	nguyen	NOUN
easat-7157	526	11	,	,	PUNCT
easat-7157	526	12	and	and	CCONJ
easat-7157	526	13	t.	t.	PROPN
easat-7157	526	14	v.	v.	PROPN
easat-7157	526	15	d.	d.	PROPN
easat-7157	526	16	dang	dang	PROPN
easat-7157	526	17	,	,	PUNCT
easat-7157	526	18	"	"	PUNCT
easat-7157	526	19	critical	critical	ADJ
easat-7157	526	20	factors	factor	NOUN
easat-7157	526	21	affecting	affect	VERB
easat-7157	526	22	the	the	DET
easat-7157	526	23	adoption	adoption	NOUN
easat-7157	526	24	of	of	ADP
easat-7157	526	25	artificial	artificial	ADJ
easat-7157	526	26	intelligence	intelligence	NOUN
easat-7157	526	27	:	:	PUNCT
easat-7157	526	28	an	an	DET
easat-7157	526	29	empirical	empirical	ADJ
easat-7157	526	30	study	study	NOUN
easat-7157	526	31	in	in	ADP
easat-7157	526	32	vietnam	vietnam	PROPN
easat-7157	526	33	,	,	PUNCT
easat-7157	526	34	"	"	PUNCT
easat-7157	526	35	the	the	DET
easat-7157	526	36	journal	journal	NOUN
easat-7157	526	37	of	of	ADP
easat-7157	526	38	asian	asian	ADJ
easat-7157	526	39	finance	finance	NOUN
easat-7157	526	40	,	,	PUNCT
easat-7157	526	41	economics	economic	NOUN
easat-7157	526	42	and	and	CCONJ
easat-7157	526	43	business	business	NOUN
easat-7157	526	44	,	,	PUNCT
easat-7157	526	45	vol	vol	NOUN
easat-7157	526	46	.	.	PROPN
easat-7157	527	1	9	9	NUM
easat-7157	527	2	,	,	PUNCT
easat-7157	527	3	no	no	INTJ
easat-7157	527	4	.	.	NOUN
easat-7157	527	5	5	5	NUM
easat-7157	527	6	,	,	PUNCT
easat-7157	527	7	pp	pp	ADJ
easat-7157	527	8	.	.	PUNCT
easat-7157	528	1	225	225	NUM
easat-7157	528	2	-	-	SYM
easat-7157	528	3	237	237	NUM
easat-7157	528	4	,	,	PUNCT
easat-7157	528	5	2022	2022	NUM
easat-7157	528	6	.	.	PUNCT
easat-7157	529	1	https://doi.org/10.13106/jafeb.2022.vol9.no5.0225	https://doi.org/10.13106/jafeb.2022.vol9.no5.0225	X
easat-7157	530	1	[	[	X
easat-7157	530	2	15	15	NUM
easat-7157	530	3	]	]	X
easat-7157	530	4	d.	d.	PROPN
easat-7157	530	5	m.	m.	PROPN
easat-7157	530	6	nguyen	nguyen	PROPN
easat-7157	530	7	,	,	PUNCT
easat-7157	530	8	y.-t	y.-t	NOUN
easat-7157	530	9	.	.	PUNCT
easat-7157	531	1	h.	h.	PROPN
easat-7157	531	2	chiu	chiu	PROPN
easat-7157	531	3	,	,	PUNCT
easat-7157	531	4	and	and	CCONJ
easat-7157	531	5	h.	h.	PROPN
easat-7157	531	6	d.	d.	PROPN
easat-7157	531	7	le	le	PROPN
easat-7157	531	8	,	,	PUNCT
easat-7157	531	9	"	"	PUNCT
easat-7157	531	10	determinants	determinant	NOUN
easat-7157	531	11	of	of	ADP
easat-7157	531	12	continuance	continuance	NOUN
easat-7157	531	13	intention	intention	NOUN
easat-7157	531	14	towards	towards	ADP
easat-7157	531	15	banks	bank	NOUN
easat-7157	531	16	’	’	PART
easat-7157	531	17	chatbot	chatbot	NOUN
easat-7157	531	18	services	service	NOUN
easat-7157	531	19	in	in	ADP
easat-7157	531	20	vietnam	vietnam	PROPN
easat-7157	531	21	:	:	PUNCT
easat-7157	531	22	a	a	DET
easat-7157	531	23	necessity	necessity	NOUN
easat-7157	531	24	for	for	ADP
easat-7157	531	25	sustainable	sustainable	ADJ
easat-7157	531	26	development	development	NOUN
easat-7157	531	27	,	,	PUNCT
easat-7157	531	28	"	"	PUNCT
easat-7157	531	29	sustainability	sustainability	NOUN
easat-7157	531	30	,	,	PUNCT
easat-7157	531	31	vol	vol	NOUN
easat-7157	531	32	.	.	PROPN
easat-7157	531	33	13	13	NUM
easat-7157	531	34	,	,	PUNCT
easat-7157	531	35	no	no	INTJ
easat-7157	531	36	.	.	NOUN
easat-7157	531	37	14	14	NUM
easat-7157	531	38	,	,	PUNCT
easat-7157	531	39	p.	p.	NOUN
easat-7157	531	40	7625	7625	NUM
easat-7157	531	41	,	,	PUNCT
easat-7157	531	42	2021	2021	NUM
easat-7157	531	43	.	.	PUNCT
easat-7157	532	1	https://doi.org/10.3390/su13147625	https://doi.org/10.3390/su13147625	PROPN
easat-7157	532	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7157	532	3	https://doi.org/10.1016/j.procs.2022.12.263	https://doi.org/10.1016/j.procs.2022.12.263	PROPN
easat-7157	532	4	https://doi.org/10.1016/j.joitmc.2024.100456	https://doi.org/10.1016/j.joitmc.2024.100456	PROPN
easat-7157	532	5	https://doi.org/10.1108/jiabr-03-2022-0081	https://doi.org/10.1108/jiabr-03-2022-0081	PRON
easat-7157	532	6	https://doi.org/10.1016/j.digbus.2023.100067	https://doi.org/10.1016/j.digbus.2023.100067	PROPN
easat-7157	532	7	https://doi.org/10.1108/itp-04-2021-0254	https://doi.org/10.1108/itp-04-2021-0254	PUNCT
easat-7157	532	8	https://doi.org/10.1080/23311886.2023.2256536	https://doi.org/10.1080/23311886.2023.2256536	NOUN
easat-7157	532	9	https://doi.org/10.1016/j.trc.2019.02.010	https://doi.org/10.1016/j.trc.2019.02.010	NOUN
easat-7157	532	10	https://doi.org/10.3390/su13115788	https://doi.org/10.3390/su13115788	PROPN
easat-7157	532	11	https://doi.org/10.3390/ijfs8030045	https://doi.org/10.3390/ijfs8030045	ADJ
easat-7157	532	12	https://doi.org/10.1007/s43681-021-00043-6	https://doi.org/10.1007/s43681-021-00043-6	NUM
easat-7157	532	13	https://doi.org/10.1108/bpmj-10-2019-0411	https://doi.org/10.1108/bpmj-10-2019-0411	NOUN
easat-7157	532	14	https://doi.org/10.1108/jfra-05-2023-0224	https://doi.org/10.1108/jfra-05-2023-0224	PRON
easat-7157	532	15	https://doi.org/10.1108/ijbm-02-2020-0056	https://doi.org/10.1108/ijbm-02-2020-0056	NOUN
easat-7157	532	16	https://doi.org/10.1108/ijbm-02-2020-0056	https://doi.org/10.1108/ijbm-02-2020-0056	PROPN
easat-7157	532	17	https://doi.org/10.13106/jafeb.2022.vol9.no5.0225	https://doi.org/10.13106/jafeb.2022.vol9.no5.0225	PROPN
easat-7157	532	18	https://doi.org/10.3390/su13147625	https://doi.org/10.3390/su13147625	ADP
easat-7157	532	19	1321	1321	NUM
easat-7157	532	20	edelweiss	edelweiss	PROPN
easat-7157	532	21	applied	apply	VERB
easat-7157	532	22	science	science	NOUN
easat-7157	532	23	and	and	CCONJ
easat-7157	532	24	technology	technology	NOUN
easat-7157	532	25	issn	issn	PROPN
easat-7157	532	26	:	:	PUNCT
easat-7157	532	27	2576	2576	NUM
easat-7157	532	28	-	-	SYM
easat-7157	532	29	8484	8484	NUM
easat-7157	532	30	vol	vol	NOUN
easat-7157	532	31	.	.	PROPN
easat-7157	533	1	9	9	NUM
easat-7157	533	2	,	,	PUNCT
easat-7157	533	3	no	no	INTJ
easat-7157	533	4	.	.	NOUN
easat-7157	533	5	5	5	NUM
easat-7157	533	6	:	:	SYM
easat-7157	533	7	1302	1302	NUM
easat-7157	533	8	-	-	SYM
easat-7157	533	9	1323	1323	NUM
easat-7157	533	10	,	,	PUNCT
easat-7157	533	11	2025	2025	NUM
easat-7157	533	12	doi	doi	NOUN
easat-7157	533	13	:	:	PUNCT
easat-7157	533	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	533	15	©	©	ADP
easat-7157	533	16	2025	2025	NUM
easat-7157	533	17	by	by	ADP
easat-7157	533	18	the	the	DET
easat-7157	533	19	authors	author	NOUN
easat-7157	533	20	;	;	PUNCT
easat-7157	533	21	licensee	licensee	PROPN
easat-7157	533	22	learning	learning	NOUN
easat-7157	533	23	gate	gate	NOUN
easat-7157	534	1	[	[	X
easat-7157	534	2	16	16	NUM
easat-7157	534	3	]	]	X
easat-7157	534	4	h.	h.	PROPN
easat-7157	534	5	jonathan	jonathan	PROPN
easat-7157	534	6	,	,	PUNCT
easat-7157	534	7	h.	h.	PROPN
easat-7157	534	8	magd	magd	PROPN
easat-7157	534	9	,	,	PUNCT
easat-7157	534	10	and	and	CCONJ
easat-7157	534	11	s.	s.	PROPN
easat-7157	534	12	a.	a.	PROPN
easat-7157	534	13	khan	khan	PROPN
easat-7157	534	14	,	,	PUNCT
easat-7157	534	15	artificial	artificial	ADJ
easat-7157	534	16	intelligence	intelligence	NOUN
easat-7157	534	17	and	and	CCONJ
easat-7157	534	18	augmented	augment	VERB
easat-7157	534	19	reality	reality	NOUN
easat-7157	534	20	:	:	PUNCT
easat-7157	534	21	a	a	DET
easat-7157	534	22	business	business	NOUN
easat-7157	534	23	fortune	fortune	NOUN
easat-7157	534	24	to	to	PART
easat-7157	534	25	sustainability	sustainability	VERB
easat-7157	534	26	in	in	ADP
easat-7157	534	27	the	the	DET
easat-7157	534	28	digital	digital	ADJ
easat-7157	534	29	age	age	NOUN
easat-7157	534	30	(	(	PUNCT
easat-7157	534	31	navigating	navigate	VERB
easat-7157	534	32	the	the	DET
easat-7157	534	33	digital	digital	ADJ
easat-7157	534	34	landscape	landscape	NOUN
easat-7157	534	35	:	:	PUNCT
easat-7157	534	36	understanding	understand	VERB
easat-7157	534	37	customer	customer	NOUN
easat-7157	534	38	behaviour	behaviour	NOUN
easat-7157	534	39	in	in	ADP
easat-7157	534	40	the	the	DET
easat-7157	534	41	online	online	ADJ
easat-7157	534	42	world	world	NOUN
easat-7157	534	43	)	)	PUNCT
easat-7157	534	44	.	.	PUNCT
easat-7157	535	1	emerald	emerald	PROPN
easat-7157	535	2	publishing	publishing	PROPN
easat-7157	535	3	limited	limit	VERB
easat-7157	535	4	.	.	PUNCT
easat-7157	536	1	https://doi.org/10.1108/978-1-83549-272-720241005	https://doi.org/10.1108/978-1-83549-272-720241005	X
easat-7157	536	2	,	,	PUNCT
easat-7157	536	3	2024	2024	NUM
easat-7157	536	4	.	.	PUNCT
easat-7157	537	1	[	[	X
easat-7157	537	2	17	17	NUM
easat-7157	537	3	]	]	X
easat-7157	537	4	s.	s.	PROPN
easat-7157	537	5	min	min	PROPN
easat-7157	537	6	and	and	CCONJ
easat-7157	537	7	b.	b.	PROPN
easat-7157	537	8	kim	kim	PROPN
easat-7157	537	9	,	,	PUNCT
easat-7157	537	10	"	"	PUNCT
easat-7157	537	11	adopting	adopt	VERB
easat-7157	537	12	artificial	artificial	ADJ
easat-7157	537	13	intelligence	intelligence	NOUN
easat-7157	537	14	technology	technology	NOUN
easat-7157	537	15	for	for	ADP
easat-7157	537	16	network	network	NOUN
easat-7157	537	17	operations	operation	NOUN
easat-7157	537	18	in	in	ADP
easat-7157	537	19	digital	digital	ADJ
easat-7157	537	20	transformation	transformation	NOUN
easat-7157	537	21	,	,	PUNCT
easat-7157	537	22	"	"	PUNCT
easat-7157	537	23	administrative	administrative	ADJ
easat-7157	537	24	sciences	science	NOUN
easat-7157	537	25	,	,	PUNCT
easat-7157	537	26	vol	vol	NOUN
easat-7157	537	27	.	.	PROPN
easat-7157	538	1	14	14	NUM
easat-7157	538	2	,	,	PUNCT
easat-7157	538	3	no	no	INTJ
easat-7157	538	4	.	.	NOUN
easat-7157	538	5	4	4	NUM
easat-7157	538	6	,	,	PUNCT
easat-7157	538	7	p.	p.	NOUN
easat-7157	538	8	70	70	NUM
easat-7157	538	9	,	,	PUNCT
easat-7157	538	10	2024	2024	NUM
easat-7157	538	11	.	.	PUNCT
easat-7157	539	1	https://doi.org/10.3390/admsci14040070	https://doi.org/10.3390/admsci14040070	NOUN
easat-7157	539	2	[	[	X
easat-7157	539	3	18	18	NUM
easat-7157	539	4	]	]	X
easat-7157	539	5	n.	n.	NOUN
easat-7157	539	6	sadman	sadman	PROPN
easat-7157	539	7	,	,	PUNCT
easat-7157	539	8	m.	m.	NOUN
easat-7157	539	9	m.	m.	PROPN
easat-7157	539	10	ahsan	ahsan	PROPN
easat-7157	539	11	,	,	PUNCT
easat-7157	539	12	a.	a.	PROPN
easat-7157	539	13	rahman	rahman	PROPN
easat-7157	539	14	,	,	PUNCT
easat-7157	539	15	z.	z.	PROPN
easat-7157	539	16	siddique	siddique	PROPN
easat-7157	539	17	,	,	PUNCT
easat-7157	539	18	and	and	CCONJ
easat-7157	539	19	k.	k.	PROPN
easat-7157	539	20	d.	d.	PROPN
easat-7157	539	21	gupta	gupta	PROPN
easat-7157	539	22	,	,	PUNCT
easat-7157	539	23	"	"	PUNCT
easat-7157	539	24	promise	promise	NOUN
easat-7157	539	25	of	of	ADP
easat-7157	539	26	ai	ai	VERB
easat-7157	539	27	in	in	ADP
easat-7157	539	28	defi	defi	PROPN
easat-7157	539	29	,	,	PUNCT
easat-7157	539	30	a	a	DET
easat-7157	539	31	systematic	systematic	ADJ
easat-7157	539	32	review	review	NOUN
easat-7157	539	33	,	,	PUNCT
easat-7157	539	34	"	"	PUNCT
easat-7157	539	35	digital	digital	ADJ
easat-7157	539	36	,	,	PUNCT
easat-7157	539	37	vol	vol	NOUN
easat-7157	539	38	.	.	PROPN
easat-7157	540	1	2	2	NUM
easat-7157	540	2	,	,	PUNCT
easat-7157	540	3	no	no	INTJ
easat-7157	540	4	.	.	NOUN
easat-7157	540	5	1	1	NUM
easat-7157	540	6	,	,	PUNCT
easat-7157	540	7	pp	pp	ADJ
easat-7157	540	8	.	.	PUNCT
easat-7157	541	1	88	88	NUM
easat-7157	541	2	-	-	SYM
easat-7157	541	3	103	103	NUM
easat-7157	541	4	,	,	PUNCT
easat-7157	541	5	2022	2022	NUM
easat-7157	541	6	.	.	PUNCT
easat-7157	542	1	https://doi.org/10.3390/digital2010006	https://doi.org/10.3390/digital2010006	X
easat-7157	543	1	[	[	X
easat-7157	543	2	19	19	NUM
easat-7157	543	3	]	]	PUNCT
easat-7157	543	4	a.	a.	NOUN
easat-7157	543	5	k.	k.	PROPN
easat-7157	543	6	kar	kar	PROPN
easat-7157	543	7	,	,	PUNCT
easat-7157	543	8	s.	s.	PROPN
easat-7157	543	9	k.	k.	PROPN
easat-7157	543	10	choudhary	choudhary	PROPN
easat-7157	543	11	,	,	PUNCT
easat-7157	543	12	and	and	CCONJ
easat-7157	544	1	v.	v.	ADP
easat-7157	544	2	k.	k.	PROPN
easat-7157	544	3	singh	singh	PROPN
easat-7157	544	4	,	,	PUNCT
easat-7157	544	5	"	"	PUNCT
easat-7157	544	6	how	how	SCONJ
easat-7157	544	7	can	can	AUX
easat-7157	544	8	artificial	artificial	ADJ
easat-7157	544	9	intelligence	intelligence	NOUN
easat-7157	544	10	impact	impact	NOUN
easat-7157	544	11	sustainability	sustainability	NOUN
easat-7157	544	12	:	:	PUNCT
easat-7157	544	13	a	a	DET
easat-7157	544	14	systematic	systematic	ADJ
easat-7157	544	15	literature	literature	NOUN
easat-7157	544	16	review	review	NOUN
easat-7157	544	17	,	,	PUNCT
easat-7157	544	18	"	"	PUNCT
easat-7157	544	19	journal	journal	NOUN
easat-7157	544	20	of	of	ADP
easat-7157	544	21	cleaner	clean	ADJ
easat-7157	544	22	production	production	NOUN
easat-7157	544	23	,	,	PUNCT
easat-7157	544	24	vol	vol	NOUN
easat-7157	544	25	.	.	PROPN
easat-7157	544	26	376	376	NUM
easat-7157	544	27	,	,	PUNCT
easat-7157	544	28	p.	p.	NOUN
easat-7157	544	29	134120	134120	NUM
easat-7157	544	30	,	,	PUNCT
easat-7157	544	31	2022	2022	NUM
easat-7157	544	32	.	.	PUNCT
easat-7157	545	1	https://doi.org/10.1016/j.jclepro.2022.134120	https://doi.org/10.1016/j.jclepro.2022.134120	PROPN
easat-7157	545	2	[	[	X
easat-7157	545	3	20	20	NUM
easat-7157	545	4	]	]	PUNCT
easat-7157	545	5	h.	h.	PROPN
easat-7157	545	6	sadok	sadok	PROPN
easat-7157	545	7	,	,	PUNCT
easat-7157	545	8	f.	f.	PROPN
easat-7157	545	9	sakka	sakka	NOUN
easat-7157	545	10	,	,	PUNCT
easat-7157	545	11	and	and	CCONJ
easat-7157	545	12	m.	m.	PROPN
easat-7157	545	13	e.	e.	PROPN
easat-7157	545	14	h.	h.	PROPN
easat-7157	545	15	el	el	PROPN
easat-7157	545	16	maknouzi	maknouzi	PROPN
easat-7157	545	17	,	,	PUNCT
easat-7157	545	18	"	"	PUNCT
easat-7157	545	19	artificial	artificial	ADJ
easat-7157	545	20	intelligence	intelligence	NOUN
easat-7157	545	21	and	and	CCONJ
easat-7157	545	22	bank	bank	NOUN
easat-7157	545	23	credit	credit	NOUN
easat-7157	545	24	analysis	analysis	NOUN
easat-7157	545	25	:	:	PUNCT
easat-7157	545	26	a	a	DET
easat-7157	545	27	review	review	NOUN
easat-7157	545	28	,	,	PUNCT
easat-7157	545	29	"	"	PUNCT
easat-7157	545	30	cogent	cogent	NOUN
easat-7157	545	31	economics	economic	NOUN
easat-7157	545	32	&	&	CCONJ
easat-7157	545	33	finance	finance	PROPN
easat-7157	545	34	,	,	PUNCT
easat-7157	545	35	vol	vol	NOUN
easat-7157	545	36	.	.	PROPN
easat-7157	546	1	10	10	NUM
easat-7157	546	2	,	,	PUNCT
easat-7157	546	3	no	no	INTJ
easat-7157	546	4	.	.	NOUN
easat-7157	546	5	1	1	NUM
easat-7157	546	6	,	,	PUNCT
easat-7157	546	7	p.	p.	NOUN
easat-7157	546	8	2023262	2023262	NUM
easat-7157	546	9	,	,	PUNCT
easat-7157	546	10	2022	2022	NUM
easat-7157	546	11	.	.	PUNCT
easat-7157	547	1	https://doi.org/10.1080/23322039.2021.2023262	https://doi.org/10.1080/23322039.2021.2023262	X
easat-7157	548	1	[	[	X
easat-7157	548	2	21	21	NUM
easat-7157	548	3	]	]	X
easat-7157	548	4	h.	h.	PROPN
easat-7157	548	5	felemban	felemban	PROPN
easat-7157	548	6	,	,	PUNCT
easat-7157	548	7	m.	m.	NOUN
easat-7157	548	8	sohail	sohail	PROPN
easat-7157	548	9	,	,	PUNCT
easat-7157	548	10	and	and	CCONJ
easat-7157	548	11	k.	k.	PROPN
easat-7157	548	12	ruikar	ruikar	PROPN
easat-7157	548	13	,	,	PUNCT
easat-7157	548	14	"	"	PUNCT
easat-7157	548	15	exploring	explore	VERB
easat-7157	548	16	the	the	DET
easat-7157	548	17	readiness	readiness	NOUN
easat-7157	548	18	of	of	ADP
easat-7157	548	19	organisations	organisation	NOUN
easat-7157	548	20	to	to	PART
easat-7157	548	21	adopt	adopt	VERB
easat-7157	548	22	artificial	artificial	ADJ
easat-7157	548	23	intelligence	intelligence	NOUN
easat-7157	548	24	,	,	PUNCT
easat-7157	548	25	"	"	PUNCT
easat-7157	548	26	buildings	building	NOUN
easat-7157	548	27	,	,	PUNCT
easat-7157	548	28	vol	vol	NOUN
easat-7157	548	29	.	.	PROPN
easat-7157	548	30	14	14	NUM
easat-7157	548	31	,	,	PUNCT
easat-7157	548	32	no	no	INTJ
easat-7157	548	33	.	.	NOUN
easat-7157	548	34	8	8	NUM
easat-7157	548	35	,	,	PUNCT
easat-7157	548	36	p.	p.	NOUN
easat-7157	548	37	2460	2460	NUM
easat-7157	548	38	,	,	PUNCT
easat-7157	548	39	2024	2024	NUM
easat-7157	548	40	.	.	PUNCT
easat-7157	549	1	https://doi.org/10.3390/buildings14082460	https://doi.org/10.3390/buildings14082460	PROPN
easat-7157	550	1	[	[	X
easat-7157	550	2	22	22	NUM
easat-7157	550	3	]	]	X
easat-7157	550	4	u.	u.	PROPN
easat-7157	550	5	noreen	noreen	PROPN
easat-7157	550	6	,	,	PUNCT
easat-7157	550	7	a.	a.	NOUN
easat-7157	550	8	shafique	shafique	NOUN
easat-7157	550	9	,	,	PUNCT
easat-7157	550	10	z.	z.	PROPN
easat-7157	550	11	ahmed	ahmed	PROPN
easat-7157	550	12	,	,	PUNCT
easat-7157	550	13	and	and	CCONJ
easat-7157	550	14	m.	m.	NOUN
easat-7157	550	15	ashfaq	ashfaq	PROPN
easat-7157	550	16	,	,	PUNCT
easat-7157	550	17	"	"	PUNCT
easat-7157	550	18	banking	bank	VERB
easat-7157	550	19	4.0	4.0	NUM
easat-7157	550	20	:	:	PUNCT
easat-7157	550	21	artificial	artificial	ADJ
easat-7157	550	22	intelligence	intelligence	NOUN
easat-7157	550	23	(	(	PUNCT
easat-7157	550	24	ai	ai	NOUN
easat-7157	550	25	)	)	PUNCT
easat-7157	550	26	in	in	ADP
easat-7157	550	27	banking	banking	NOUN
easat-7157	550	28	industry	industry	NOUN
easat-7157	550	29	&	&	CCONJ
easat-7157	550	30	consumer	consumer	NOUN
easat-7157	550	31	’s	’s	PART
easat-7157	550	32	perspective	perspective	NOUN
easat-7157	550	33	,	,	PUNCT
easat-7157	550	34	"	"	PUNCT
easat-7157	550	35	sustainability	sustainability	NOUN
easat-7157	550	36	,	,	PUNCT
easat-7157	550	37	vol	vol	NOUN
easat-7157	550	38	.	.	PROPN
easat-7157	550	39	15	15	NUM
easat-7157	550	40	,	,	PUNCT
easat-7157	550	41	no	no	INTJ
easat-7157	550	42	.	.	NOUN
easat-7157	550	43	4	4	NUM
easat-7157	550	44	,	,	PUNCT
easat-7157	550	45	p.	p.	NOUN
easat-7157	550	46	3682	3682	NUM
easat-7157	550	47	,	,	PUNCT
easat-7157	550	48	2023	2023	NUM
easat-7157	550	49	.	.	PUNCT
easat-7157	551	1	https://doi.org/10.3390/su15043682	https://doi.org/10.3390/su15043682	X
easat-7157	552	1	[	[	X
easat-7157	552	2	23	23	NUM
easat-7157	552	3	]	]	X
easat-7157	553	1	v.	v.	CCONJ
easat-7157	553	2	uren	uren	PROPN
easat-7157	553	3	and	and	CCONJ
easat-7157	553	4	j.	j.	PROPN
easat-7157	553	5	s.	s.	PROPN
easat-7157	553	6	edwards	edwards	PROPN
easat-7157	553	7	,	,	PUNCT
easat-7157	553	8	"	"	PUNCT
easat-7157	553	9	technology	technology	NOUN
easat-7157	553	10	readiness	readiness	NOUN
easat-7157	553	11	and	and	CCONJ
easat-7157	553	12	the	the	DET
easat-7157	553	13	organizational	organizational	ADJ
easat-7157	553	14	journey	journey	NOUN
easat-7157	553	15	towards	towards	ADP
easat-7157	553	16	ai	ai	PRON
easat-7157	553	17	adoption	adoption	NOUN
easat-7157	553	18	:	:	PUNCT
easat-7157	553	19	an	an	DET
easat-7157	553	20	empirical	empirical	ADJ
easat-7157	553	21	study	study	NOUN
easat-7157	553	22	,	,	PUNCT
easat-7157	553	23	"	"	PUNCT
easat-7157	553	24	international	international	ADJ
easat-7157	553	25	journal	journal	NOUN
easat-7157	553	26	of	of	ADP
easat-7157	553	27	information	information	NOUN
easat-7157	553	28	management	management	NOUN
easat-7157	553	29	,	,	PUNCT
easat-7157	553	30	vol	vol	NOUN
easat-7157	553	31	.	.	PROPN
easat-7157	553	32	68	68	NUM
easat-7157	553	33	,	,	PUNCT
easat-7157	553	34	p.	p.	NOUN
easat-7157	553	35	102588	102588	NUM
easat-7157	553	36	,	,	PUNCT
easat-7157	553	37	2023	2023	NUM
easat-7157	553	38	.	.	PUNCT
easat-7157	554	1	https://doi.org/10.1016/j.ijinfomgt.2022.102588	https://doi.org/10.1016/j.ijinfomgt.2022.102588	PROPN
easat-7157	554	2	[	[	X
easat-7157	554	3	24	24	NUM
easat-7157	554	4	]	]	PUNCT
easat-7157	554	5	a.	a.	NOUN
easat-7157	554	6	bany	bany	PROPN
easat-7157	554	7	mohammad	mohammad	PROPN
easat-7157	554	8	,	,	PUNCT
easat-7157	554	9	m.	m.	NOUN
easat-7157	554	10	al	al	PROPN
easat-7157	554	11	-	-	PROPN
easat-7157	554	12	okaily	okaily	ADV
easat-7157	554	13	,	,	PUNCT
easat-7157	554	14	m.	m.	NOUN
easat-7157	554	15	al	al	PROPN
easat-7157	554	16	-	-	PUNCT
easat-7157	554	17	majali	majali	PROPN
easat-7157	554	18	,	,	PUNCT
easat-7157	554	19	and	and	CCONJ
easat-7157	554	20	r.	r.	PROPN
easat-7157	554	21	e.	e.	PROPN
easat-7157	554	22	masa’deh	masa’deh	PROPN
easat-7157	554	23	,	,	PUNCT
easat-7157	554	24	"	"	PUNCT
easat-7157	554	25	business	business	NOUN
easat-7157	554	26	intelligence	intelligence	NOUN
easat-7157	554	27	and	and	CCONJ
easat-7157	554	28	analytics	analytic	NOUN
easat-7157	554	29	(	(	PUNCT
easat-7157	554	30	bia	bia	NOUN
easat-7157	554	31	)	)	PUNCT
easat-7157	554	32	usage	usage	NOUN
easat-7157	554	33	in	in	ADP
easat-7157	554	34	the	the	DET
easat-7157	554	35	banking	banking	NOUN
easat-7157	554	36	industry	industry	NOUN
easat-7157	554	37	sector	sector	NOUN
easat-7157	554	38	:	:	PUNCT
easat-7157	554	39	an	an	DET
easat-7157	554	40	application	application	NOUN
easat-7157	554	41	of	of	ADP
easat-7157	554	42	the	the	DET
easat-7157	554	43	toe	toe	NOUN
easat-7157	554	44	framework	framework	NOUN
easat-7157	554	45	,	,	PUNCT
easat-7157	554	46	"	"	PUNCT
easat-7157	554	47	journal	journal	NOUN
easat-7157	554	48	of	of	ADP
easat-7157	554	49	open	open	ADJ
easat-7157	554	50	innovation	innovation	NOUN
easat-7157	554	51	:	:	PUNCT
easat-7157	554	52	technology	technology	NOUN
easat-7157	554	53	,	,	PUNCT
easat-7157	554	54	market	market	NOUN
easat-7157	554	55	,	,	PUNCT
easat-7157	554	56	and	and	CCONJ
easat-7157	554	57	complexity	complexity	NOUN
easat-7157	554	58	,	,	PUNCT
easat-7157	554	59	vol	vol	NOUN
easat-7157	554	60	.	.	PROPN
easat-7157	554	61	8	8	NUM
easat-7157	554	62	,	,	PUNCT
easat-7157	554	63	no	no	INTJ
easat-7157	554	64	.	.	NOUN
easat-7157	554	65	4	4	NUM
easat-7157	554	66	,	,	PUNCT
easat-7157	554	67	p.	p.	NOUN
easat-7157	554	68	189	189	NUM
easat-7157	554	69	,	,	PUNCT
easat-7157	554	70	2022	2022	NUM
easat-7157	554	71	.	.	PUNCT
easat-7157	555	1	https://doi.org/10.3390/joitmc8040189	https://doi.org/10.3390/joitmc8040189	PROPN
easat-7157	556	1	[	[	X
easat-7157	556	2	25	25	NUM
easat-7157	556	3	]	]	PUNCT
easat-7157	556	4	w.	w.	PROPN
easat-7157	556	5	a.	a.	PROPN
easat-7157	556	6	al	al	PROPN
easat-7157	556	7	-	-	PUNCT
easat-7157	556	8	khatib	khatib	PROPN
easat-7157	556	9	,	,	PUNCT
easat-7157	556	10	"	"	PUNCT
easat-7157	556	11	drivers	driver	NOUN
easat-7157	556	12	of	of	ADP
easat-7157	556	13	generative	generative	ADJ
easat-7157	556	14	artificial	artificial	ADJ
easat-7157	556	15	intelligence	intelligence	NOUN
easat-7157	556	16	to	to	ADP
easat-7157	556	17	fostering	foster	VERB
easat-7157	556	18	exploitative	exploitative	ADJ
easat-7157	556	19	and	and	CCONJ
easat-7157	556	20	exploratory	exploratory	ADJ
easat-7157	556	21	innovation	innovation	NOUN
easat-7157	556	22	:	:	PUNCT
easat-7157	556	23	a	a	DET
easat-7157	556	24	toe	toe	NOUN
easat-7157	556	25	framework	framework	NOUN
easat-7157	556	26	,	,	PUNCT
easat-7157	556	27	"	"	PUNCT
easat-7157	556	28	technology	technology	NOUN
easat-7157	556	29	in	in	ADP
easat-7157	556	30	society	society	NOUN
easat-7157	556	31	,	,	PUNCT
easat-7157	556	32	vol	vol	NOUN
easat-7157	556	33	.	.	PROPN
easat-7157	556	34	75	75	NUM
easat-7157	556	35	,	,	PUNCT
easat-7157	556	36	p.	p.	NOUN
easat-7157	556	37	102403	102403	NUM
easat-7157	556	38	,	,	PUNCT
easat-7157	556	39	2023	2023	NUM
easat-7157	556	40	.	.	PUNCT
easat-7157	557	1	https://doi.org/10.1016/j.techsoc.2023.102403	https://doi.org/10.1016/j.techsoc.2023.102403	NOUN
easat-7157	557	2	[	[	X
easat-7157	557	3	26	26	NUM
easat-7157	557	4	]	]	X
easat-7157	557	5	h.	h.	PROPN
easat-7157	557	6	snyder	snyder	PROPN
easat-7157	557	7	,	,	PUNCT
easat-7157	557	8	"	"	PUNCT
easat-7157	557	9	literature	literature	NOUN
easat-7157	557	10	review	review	NOUN
easat-7157	557	11	as	as	ADP
easat-7157	557	12	a	a	DET
easat-7157	557	13	research	research	NOUN
easat-7157	557	14	methodology	methodology	NOUN
easat-7157	557	15	:	:	PUNCT
easat-7157	557	16	an	an	DET
easat-7157	557	17	overview	overview	NOUN
easat-7157	557	18	and	and	CCONJ
easat-7157	557	19	guidelines	guideline	NOUN
easat-7157	557	20	,	,	PUNCT
easat-7157	557	21	"	"	PUNCT
easat-7157	557	22	journal	journal	NOUN
easat-7157	557	23	of	of	ADP
easat-7157	557	24	business	business	NOUN
easat-7157	557	25	research	research	NOUN
easat-7157	557	26	,	,	PUNCT
easat-7157	557	27	vol	vol	NOUN
easat-7157	557	28	.	.	PROPN
easat-7157	557	29	104	104	NUM
easat-7157	557	30	,	,	PUNCT
easat-7157	557	31	pp	pp	ADJ
easat-7157	557	32	.	.	PUNCT
easat-7157	558	1	333	333	NUM
easat-7157	558	2	-	-	SYM
easat-7157	558	3	339	339	NUM
easat-7157	558	4	,	,	PUNCT
easat-7157	558	5	2019	2019	NUM
easat-7157	558	6	.	.	PUNCT
easat-7157	559	1	https://doi.org/10.1016/j.jbusres.2019.07.039	https://doi.org/10.1016/j.jbusres.2019.07.039	NOUN
easat-7157	559	2	[	[	X
easat-7157	559	3	27	27	NUM
easat-7157	559	4	]	]	X
easat-7157	559	5	o.	o.	PROPN
easat-7157	559	6	öztürk	öztürk	PROPN
easat-7157	559	7	,	,	PUNCT
easat-7157	559	8	r.	r.	PROPN
easat-7157	559	9	kocaman	kocaman	NOUN
easat-7157	559	10	,	,	PUNCT
easat-7157	559	11	and	and	CCONJ
easat-7157	559	12	d.	d.	PROPN
easat-7157	559	13	k.	k.	PROPN
easat-7157	559	14	kanbach	kanbach	PROPN
easat-7157	559	15	,	,	PUNCT
easat-7157	559	16	"	"	PUNCT
easat-7157	559	17	how	how	SCONJ
easat-7157	559	18	to	to	PART
easat-7157	559	19	design	design	VERB
easat-7157	559	20	bibliometric	bibliometric	ADJ
easat-7157	559	21	research	research	NOUN
easat-7157	559	22	:	:	PUNCT
easat-7157	559	23	an	an	DET
easat-7157	559	24	overview	overview	NOUN
easat-7157	559	25	and	and	CCONJ
easat-7157	559	26	a	a	DET
easat-7157	559	27	framework	framework	NOUN
easat-7157	559	28	proposal	proposal	NOUN
easat-7157	559	29	,	,	PUNCT
easat-7157	559	30	"	"	PUNCT
easat-7157	559	31	review	review	NOUN
easat-7157	559	32	of	of	ADP
easat-7157	559	33	managerial	managerial	ADJ
easat-7157	559	34	science	science	NOUN
easat-7157	559	35	,	,	PUNCT
easat-7157	559	36	vol	vol	NOUN
easat-7157	559	37	.	.	PROPN
easat-7157	559	38	18	18	NUM
easat-7157	559	39	,	,	PUNCT
easat-7157	559	40	no	no	INTJ
easat-7157	559	41	.	.	NOUN
easat-7157	559	42	11	11	NUM
easat-7157	559	43	,	,	PUNCT
easat-7157	559	44	pp	pp	ADJ
easat-7157	559	45	.	.	PUNCT
easat-7157	560	1	3333	3333	NUM
easat-7157	560	2	-	-	SYM
easat-7157	560	3	3361	3361	NUM
easat-7157	560	4	,	,	PUNCT
easat-7157	560	5	2024	2024	NUM
easat-7157	560	6	.	.	PUNCT
easat-7157	561	1	https://doi.org/10.1007/s11846-02400738-0	https://doi.org/10.1007/s11846-02400738-0	PROPN
easat-7157	561	2	[	[	X
easat-7157	561	3	28	28	NUM
easat-7157	561	4	]	]	X
easat-7157	561	5	d.	d.	PROPN
easat-7157	561	6	k.	k.	PROPN
easat-7157	561	7	pandey	pandey	PROPN
easat-7157	561	8	,	,	PUNCT
easat-7157	561	9	m.	m.	PROPN
easat-7157	561	10	k.	k.	PROPN
easat-7157	562	1	hassan	hassan	PROPN
easat-7157	562	2	,	,	PUNCT
easat-7157	562	3	v.	v.	ADP
easat-7157	562	4	kumari	kumari	PROPN
easat-7157	562	5	,	,	PUNCT
easat-7157	562	6	y.	y.	PROPN
easat-7157	562	7	b.	b.	PROPN
easat-7157	562	8	zaied	zaie	VERB
easat-7157	562	9	,	,	PUNCT
easat-7157	562	10	and	and	CCONJ
easat-7157	562	11	v.	v.	PROPN
easat-7157	562	12	k.	k.	PROPN
easat-7157	562	13	rai	rai	PROPN
easat-7157	562	14	,	,	PUNCT
easat-7157	562	15	"	"	PUNCT
easat-7157	562	16	mapping	map	VERB
easat-7157	562	17	the	the	DET
easat-7157	562	18	landscape	landscape	NOUN
easat-7157	562	19	of	of	ADP
easat-7157	562	20	fintech	fintech	NOUN
easat-7157	562	21	in	in	ADP
easat-7157	562	22	banking	banking	NOUN
easat-7157	562	23	and	and	CCONJ
easat-7157	562	24	finance	finance	NOUN
easat-7157	562	25	:	:	PUNCT
easat-7157	562	26	a	a	DET
easat-7157	562	27	bibliometric	bibliometric	ADJ
easat-7157	562	28	review	review	NOUN
easat-7157	562	29	,	,	PUNCT
easat-7157	562	30	"	"	PUNCT
easat-7157	562	31	research	research	NOUN
easat-7157	562	32	in	in	ADP
easat-7157	562	33	international	international	ADJ
easat-7157	562	34	business	business	NOUN
easat-7157	562	35	and	and	CCONJ
easat-7157	562	36	finance	finance	NOUN
easat-7157	562	37	,	,	PUNCT
easat-7157	562	38	vol	vol	NOUN
easat-7157	562	39	.	.	PROPN
easat-7157	562	40	67	67	NUM
easat-7157	562	41	,	,	PUNCT
easat-7157	562	42	p.	p.	NOUN
easat-7157	562	43	102116	102116	NUM
easat-7157	562	44	,	,	PUNCT
easat-7157	562	45	2024	2024	NUM
easat-7157	562	46	.	.	PUNCT
easat-7157	563	1	https://doi.org/10.1016/j.ribaf.2023.102116	https://doi.org/10.1016/j.ribaf.2023.102116	ADJ
easat-7157	563	2	[	[	X
easat-7157	563	3	29	29	NUM
easat-7157	563	4	]	]	X
easat-7157	563	5	r.	r.	PROPN
easat-7157	563	6	raman	raman	PROPN
easat-7157	563	7	,	,	PUNCT
easat-7157	563	8	h.	h.	PROPN
easat-7157	563	9	lathabhai	lathabhai	PROPN
easat-7157	563	10	,	,	PUNCT
easat-7157	563	11	d.	d.	PROPN
easat-7157	563	12	pattnaik	pattnaik	PROPN
easat-7157	563	13	,	,	PUNCT
easat-7157	563	14	c.	c.	PROPN
easat-7157	563	15	kumar	kumar	PROPN
easat-7157	563	16	,	,	PUNCT
easat-7157	563	17	and	and	CCONJ
easat-7157	563	18	p.	p.	NOUN
easat-7157	563	19	nedungadi	nedungadi	NOUN
easat-7157	563	20	,	,	PUNCT
easat-7157	563	21	"	"	PUNCT
easat-7157	563	22	research	research	NOUN
easat-7157	563	23	contribution	contribution	NOUN
easat-7157	563	24	of	of	ADP
easat-7157	563	25	bibliometric	bibliometric	ADJ
easat-7157	563	26	studies	study	NOUN
easat-7157	563	27	related	relate	VERB
easat-7157	563	28	to	to	ADP
easat-7157	563	29	sustainable	sustainable	ADJ
easat-7157	563	30	development	development	NOUN
easat-7157	563	31	goals	goal	NOUN
easat-7157	563	32	and	and	CCONJ
easat-7157	563	33	sustainability	sustainability	NOUN
easat-7157	563	34	,	,	PUNCT
easat-7157	563	35	"	"	PUNCT
easat-7157	563	36	discover	discover	VERB
easat-7157	563	37	sustainability	sustainability	NOUN
easat-7157	563	38	,	,	PUNCT
easat-7157	563	39	vol	vol	NOUN
easat-7157	563	40	.	.	PROPN
easat-7157	563	41	5	5	NUM
easat-7157	563	42	,	,	PUNCT
easat-7157	563	43	no	no	INTJ
easat-7157	563	44	.	.	NOUN
easat-7157	563	45	1	1	NUM
easat-7157	563	46	,	,	PUNCT
easat-7157	563	47	p.	p.	NOUN
easat-7157	563	48	7	7	NUM
easat-7157	563	49	,	,	PUNCT
easat-7157	563	50	2024	2024	NUM
easat-7157	563	51	.	.	PUNCT
easat-7157	564	1	https://doi.org/10.1007/s43621-024-00182-w	https://doi.org/10.1007/s43621-024-00182-w	PROPN
easat-7157	564	2	[	[	X
easat-7157	564	3	30	30	NUM
easat-7157	564	4	]	]	X
easat-7157	564	5	h.	h.	PROPN
easat-7157	564	6	younis	younis	PROPN
easat-7157	564	7	,	,	PUNCT
easat-7157	564	8	o.	o.	PROPN
easat-7157	564	9	m.	m.	PROPN
easat-7157	564	10	bwaliez	bwaliez	PROPN
easat-7157	564	11	,	,	PUNCT
easat-7157	564	12	m.	m.	NOUN
easat-7157	564	13	al	al	PROPN
easat-7157	564	14	-	-	PROPN
easat-7157	564	15	okaily	okaily	ADV
easat-7157	564	16	,	,	PUNCT
easat-7157	564	17	and	and	CCONJ
easat-7157	564	18	m.	m.	PROPN
easat-7157	564	19	i.	i.	PROPN
easat-7157	564	20	tanveer	tanveer	PROPN
easat-7157	564	21	,	,	PUNCT
easat-7157	564	22	"	"	PUNCT
easat-7157	564	23	revolutionizing	revolutionize	VERB
easat-7157	564	24	supply	supply	NOUN
easat-7157	564	25	chain	chain	NOUN
easat-7157	564	26	management	management	NOUN
easat-7157	564	27	:	:	PUNCT
easat-7157	564	28	a	a	DET
easat-7157	564	29	critical	critical	ADJ
easat-7157	564	30	meta	meta	ADJ
easat-7157	564	31	-	-	PUNCT
easat-7157	564	32	analysis	analysis	NOUN
easat-7157	564	33	of	of	ADP
easat-7157	564	34	empowerment	empowerment	NOUN
easat-7157	564	35	and	and	CCONJ
easat-7157	564	36	constraint	constraint	NOUN
easat-7157	564	37	factors	factor	NOUN
easat-7157	564	38	in	in	ADP
easat-7157	564	39	blockchain	blockchain	PROPN
easat-7157	564	40	technology	technology	PROPN
easat-7157	564	41	adoption	adoption	NOUN
easat-7157	564	42	,	,	PUNCT
easat-7157	564	43	"	"	PUNCT
easat-7157	564	44	business	business	NOUN
easat-7157	564	45	process	process	NOUN
easat-7157	564	46	management	management	NOUN
easat-7157	564	47	journal	journal	NOUN
easat-7157	564	48	,	,	PUNCT
easat-7157	564	49	vol	vol	NOUN
easat-7157	564	50	.	.	PROPN
easat-7157	564	51	30	30	NUM
easat-7157	564	52	,	,	PUNCT
easat-7157	564	53	no	no	INTJ
easat-7157	564	54	.	.	NOUN
easat-7157	564	55	5	5	NUM
easat-7157	564	56	,	,	PUNCT
easat-7157	564	57	pp	pp	ADJ
easat-7157	564	58	.	.	PUNCT
easat-7157	564	59	1472	1472	NUM
easat-7157	564	60	-	-	SYM
easat-7157	564	61	1500	1500	NUM
easat-7157	564	62	,	,	PUNCT
easat-7157	564	63	2024	2024	NUM
easat-7157	564	64	.	.	PUNCT
easat-7157	565	1	https://doi.org/10.1108/bpmj-10-2023-0805	https://doi.org/10.1108/bpmj-10-2023-0805	NOUN
easat-7157	566	1	[	[	X
easat-7157	566	2	31	31	NUM
easat-7157	566	3	]	]	PUNCT
easat-7157	566	4	j.	j.	PROPN
easat-7157	566	5	m.	m.	PROPN
easat-7157	566	6	gerlach	gerlach	PROPN
easat-7157	566	7	and	and	CCONJ
easat-7157	566	8	d.	d.	PROPN
easat-7157	566	9	rugilo	rugilo	PROPN
easat-7157	566	10	,	,	PUNCT
easat-7157	566	11	"	"	PUNCT
easat-7157	566	12	the	the	DET
easat-7157	566	13	predicament	predicament	NOUN
easat-7157	566	14	of	of	ADP
easat-7157	566	15	fintechs	fintech	NOUN
easat-7157	566	16	in	in	ADP
easat-7157	566	17	the	the	DET
easat-7157	566	18	environment	environment	NOUN
easat-7157	566	19	of	of	ADP
easat-7157	566	20	traditional	traditional	ADJ
easat-7157	566	21	banking	banking	NOUN
easat-7157	566	22	sector	sector	NOUN
easat-7157	566	23	regulation	regulation	NOUN
easat-7157	566	24	:	:	PUNCT
easat-7157	566	25	an	an	DET
easat-7157	566	26	analysis	analysis	NOUN
easat-7157	566	27	of	of	ADP
easat-7157	566	28	regulatory	regulatory	ADJ
easat-7157	566	29	sandboxes	sandbox	NOUN
easat-7157	566	30	as	as	ADP
easat-7157	566	31	a	a	DET
easat-7157	566	32	possible	possible	ADJ
easat-7157	566	33	solution	solution	NOUN
easat-7157	566	34	,	,	PUNCT
easat-7157	566	35	"	"	PUNCT
easat-7157	566	36	credit	credit	NOUN
easat-7157	566	37	and	and	CCONJ
easat-7157	566	38	capital	capital	NOUN
easat-7157	566	39	markets	market	NOUN
easat-7157	566	40	,	,	PUNCT
easat-7157	566	41	vol	vol	NOUN
easat-7157	566	42	.	.	PROPN
easat-7157	566	43	52	52	NUM
easat-7157	566	44	,	,	PUNCT
easat-7157	566	45	no	no	INTJ
easat-7157	566	46	.	.	NOUN
easat-7157	566	47	3	3	NUM
easat-7157	566	48	,	,	PUNCT
easat-7157	566	49	pp	pp	ADJ
easat-7157	566	50	.	.	PUNCT
easat-7157	567	1	323–373	323–373	NUM
easat-7157	567	2	,	,	PUNCT
easat-7157	567	3	2019	2019	NUM
easat-7157	567	4	.	.	PUNCT
easat-7157	568	1	https://doi.org/10.3790/ccm.52.3.323	https://doi.org/10.3790/ccm.52.3.323	PROPN
easat-7157	568	2	[	[	X
easat-7157	568	3	32	32	NUM
easat-7157	568	4	]	]	PUNCT
easat-7157	568	5	h.	h.	PROPN
easat-7157	568	6	al	al	PROPN
easat-7157	568	7	-	-	PUNCT
easat-7157	568	8	dmour	dmour	PROPN
easat-7157	568	9	,	,	PUNCT
easat-7157	568	10	n.	n.	PROPN
easat-7157	568	11	saad	saad	PROPN
easat-7157	568	12	,	,	PUNCT
easat-7157	568	13	e.	e.	PROPN
easat-7157	568	14	basheer	basheer	PROPN
easat-7157	568	15	amin	amin	PROPN
easat-7157	568	16	,	,	PUNCT
easat-7157	568	17	r.	r.	PROPN
easat-7157	568	18	al	al	PROPN
easat-7157	568	19	-	-	PUNCT
easat-7157	568	20	dmour	dmour	PROPN
easat-7157	568	21	,	,	PUNCT
easat-7157	568	22	and	and	CCONJ
easat-7157	568	23	a.	a.	PROPN
easat-7157	568	24	al	al	PROPN
easat-7157	568	25	-	-	PUNCT
easat-7157	568	26	dmour	dmour	PROPN
easat-7157	568	27	,	,	PUNCT
easat-7157	568	28	"	"	PUNCT
easat-7157	568	29	the	the	DET
easat-7157	568	30	influence	influence	NOUN
easat-7157	568	31	of	of	ADP
easat-7157	568	32	the	the	DET
easat-7157	568	33	practices	practice	NOUN
easat-7157	568	34	of	of	ADP
easat-7157	568	35	big	big	ADJ
easat-7157	568	36	data	datum	NOUN
easat-7157	568	37	analytics	analytic	NOUN
easat-7157	568	38	applications	application	NOUN
easat-7157	568	39	on	on	ADP
easat-7157	568	40	bank	bank	NOUN
easat-7157	568	41	performance	performance	NOUN
easat-7157	568	42	:	:	PUNCT
easat-7157	568	43	filed	file	VERB
easat-7157	568	44	study	study	NOUN
easat-7157	568	45	,	,	PUNCT
easat-7157	568	46	"	"	PUNCT
easat-7157	568	47	vine	vine	NOUN
easat-7157	568	48	journal	journal	NOUN
easat-7157	568	49	of	of	ADP
easat-7157	568	50	information	information	NOUN
easat-7157	568	51	and	and	CCONJ
easat-7157	568	52	knowledge	knowledge	NOUN
easat-7157	568	53	management	management	NOUN
easat-7157	568	54	systems	system	NOUN
easat-7157	568	55	,	,	PUNCT
easat-7157	568	56	vol	vol	NOUN
easat-7157	568	57	.	.	PROPN
easat-7157	569	1	53	53	NUM
easat-7157	569	2	,	,	PUNCT
easat-7157	569	3	no	no	INTJ
easat-7157	569	4	.	.	NOUN
easat-7157	569	5	1	1	NUM
easat-7157	569	6	,	,	PUNCT
easat-7157	569	7	pp	pp	ADJ
easat-7157	569	8	.	.	PUNCT
easat-7157	570	1	119	119	NUM
easat-7157	570	2	-	-	SYM
easat-7157	570	3	141	141	NUM
easat-7157	570	4	,	,	PUNCT
easat-7157	570	5	2023	2023	NUM
easat-7157	570	6	.	.	PUNCT
easat-7157	571	1	https://doi.org/10.1108/vjikms-08-2020-0151	https://doi.org/10.1108/vjikms-08-2020-0151	PROPN
easat-7157	571	2	[	[	X
easat-7157	571	3	33	33	NUM
easat-7157	571	4	]	]	PUNCT
easat-7157	571	5	h.	h.	NOUN
easat-7157	571	6	ritchi	ritchi	PROPN
easat-7157	571	7	,	,	PUNCT
easat-7157	571	8	g.	g.	PROPN
easat-7157	571	9	andriani	andriani	PROPN
easat-7157	571	10	,	,	PUNCT
easat-7157	571	11	r.	r.	PROPN
easat-7157	571	12	zulkarnaen	zulkarnaen	PROPN
easat-7157	571	13	,	,	PUNCT
easat-7157	571	14	and	and	CCONJ
easat-7157	571	15	a.	a.	NOUN
easat-7157	571	16	zaidaan	zaidaan	PROPN
easat-7157	571	17	,	,	PUNCT
easat-7157	571	18	"	"	PUNCT
easat-7157	571	19	the	the	DET
easat-7157	571	20	state	state	NOUN
easat-7157	571	21	of	of	ADP
easat-7157	571	22	implementing	implement	VERB
easat-7157	571	23	big	big	ADJ
easat-7157	571	24	data	datum	NOUN
easat-7157	571	25	in	in	ADP
easat-7157	571	26	banking	banking	NOUN
easat-7157	571	27	business	business	NOUN
easat-7157	571	28	processes	process	NOUN
easat-7157	571	29	:	:	PUNCT
easat-7157	571	30	an	an	DET
easat-7157	571	31	indonesian	indonesian	ADJ
easat-7157	571	32	perspective	perspective	NOUN
easat-7157	571	33	,	,	PUNCT
easat-7157	571	34	"	"	PUNCT
easat-7157	571	35	banks	bank	NOUN
easat-7157	571	36	and	and	CCONJ
easat-7157	571	37	bank	bank	NOUN
easat-7157	571	38	systems	system	NOUN
easat-7157	571	39	,	,	PUNCT
easat-7157	571	40	vol	vol	NOUN
easat-7157	571	41	.	.	PROPN
easat-7157	571	42	17	17	NUM
easat-7157	571	43	,	,	PUNCT
easat-7157	571	44	no	no	INTJ
easat-7157	571	45	.	.	NOUN
easat-7157	571	46	3	3	NUM
easat-7157	571	47	,	,	PUNCT
easat-7157	571	48	p.	p.	NOUN
easat-7157	571	49	116	116	NUM
easat-7157	571	50	,	,	PUNCT
easat-7157	571	51	2022	2022	NUM
easat-7157	571	52	.	.	PUNCT
easat-7157	571	53	https://doi.org/10.21511/bbs.17(3).2022.10	https://doi.org/10.21511/bbs.17(3).2022.10	PUNCT
easat-7157	572	1	[	[	X
easat-7157	572	2	34	34	NUM
easat-7157	572	3	]	]	X
easat-7157	572	4	m.-l	m.-l	NOUN
easat-7157	572	5	.	.	PUNCT
easat-7157	573	1	how	how	SCONJ
easat-7157	573	2	,	,	PUNCT
easat-7157	573	3	s.-m	s.-m	PROPN
easat-7157	573	4	.	.	PUNCT
easat-7157	574	1	cheah	cheah	PROPN
easat-7157	574	2	,	,	PUNCT
easat-7157	574	3	a.	a.	PROPN
easat-7157	574	4	c.	c.	PROPN
easat-7157	574	5	khor	khor	PROPN
easat-7157	574	6	,	,	PUNCT
easat-7157	574	7	and	and	CCONJ
easat-7157	574	8	y.	y.	PROPN
easat-7157	574	9	j.	j.	PROPN
easat-7157	574	10	chan	chan	PROPN
easat-7157	574	11	,	,	PUNCT
easat-7157	574	12	"	"	PUNCT
easat-7157	574	13	artificial	artificial	ADJ
easat-7157	574	14	intelligence	intelligence	NOUN
easat-7157	574	15	-	-	PUNCT
easat-7157	574	16	enhanced	enhance	VERB
easat-7157	574	17	predictive	predictive	ADJ
easat-7157	574	18	insights	insight	NOUN
easat-7157	574	19	for	for	ADP
easat-7157	574	20	advancing	advance	VERB
easat-7157	574	21	financial	financial	ADJ
easat-7157	574	22	inclusion	inclusion	NOUN
easat-7157	574	23	:	:	PUNCT
easat-7157	574	24	a	a	DET
easat-7157	574	25	human	human	ADJ
easat-7157	574	26	-	-	PUNCT
easat-7157	574	27	centric	centric	ADJ
easat-7157	574	28	ai	ai	NOUN
easat-7157	574	29	-	-	PUNCT
easat-7157	574	30	thinking	thinking	NOUN
easat-7157	574	31	approach	approach	NOUN
easat-7157	574	32	,	,	PUNCT
easat-7157	574	33	"	"	PUNCT
easat-7157	574	34	big	big	ADJ
easat-7157	574	35	data	datum	NOUN
easat-7157	574	36	and	and	CCONJ
easat-7157	574	37	cognitive	cognitive	ADJ
easat-7157	574	38	computing	computing	NOUN
easat-7157	574	39	,	,	PUNCT
easat-7157	574	40	vol	vol	NOUN
easat-7157	574	41	.	.	PROPN
easat-7157	574	42	4	4	NUM
easat-7157	574	43	,	,	PUNCT
easat-7157	574	44	no	no	INTJ
easat-7157	574	45	.	.	NOUN
easat-7157	574	46	2	2	NUM
easat-7157	574	47	,	,	PUNCT
easat-7157	574	48	p.	p.	NOUN
easat-7157	574	49	8	8	NUM
easat-7157	574	50	,	,	PUNCT
easat-7157	574	51	2020	2020	NUM
easat-7157	574	52	.	.	PUNCT
easat-7157	575	1	https://doi.org/10.3390/bdcc4020008	https://doi.org/10.3390/bdcc4020008	NOUN
easat-7157	575	2	[	[	X
easat-7157	575	3	35	35	NUM
easat-7157	575	4	]	]	X
easat-7157	575	5	s.	s.	PROPN
easat-7157	575	6	akter	akter	PROPN
easat-7157	575	7	et	et	PROPN
easat-7157	575	8	al	al	PROPN
easat-7157	575	9	.	.	PROPN
easat-7157	575	10	,	,	PUNCT
easat-7157	575	11	"	"	PUNCT
easat-7157	575	12	a	a	DET
easat-7157	575	13	framework	framework	NOUN
easat-7157	575	14	for	for	ADP
easat-7157	575	15	ai	ai	ADJ
easat-7157	575	16	-	-	PUNCT
easat-7157	575	17	powered	power	VERB
easat-7157	575	18	service	service	NOUN
easat-7157	575	19	innovation	innovation	NOUN
easat-7157	575	20	capability	capability	NOUN
easat-7157	575	21	:	:	PUNCT
easat-7157	575	22	review	review	NOUN
easat-7157	575	23	and	and	CCONJ
easat-7157	575	24	agenda	agenda	NOUN
easat-7157	575	25	for	for	ADP
easat-7157	575	26	future	future	ADJ
easat-7157	575	27	research	research	NOUN
easat-7157	575	28	,	,	PUNCT
easat-7157	575	29	"	"	PUNCT
easat-7157	575	30	technovation	technovation	NOUN
easat-7157	575	31	,	,	PUNCT
easat-7157	575	32	vol	vol	NOUN
easat-7157	575	33	.	.	PROPN
easat-7157	575	34	125	125	NUM
easat-7157	575	35	,	,	PUNCT
easat-7157	575	36	p.	p.	NOUN
easat-7157	575	37	102768	102768	NUM
easat-7157	575	38	,	,	PUNCT
easat-7157	575	39	2023	2023	NUM
easat-7157	575	40	.	.	PUNCT
easat-7157	576	1	https://doi.org/10.1016/j.technovation.2023.102768	https://doi.org/10.1016/j.technovation.2023.102768	NOUN
easat-7157	577	1	[	[	X
easat-7157	577	2	36	36	NUM
easat-7157	577	3	]	]	PUNCT
easat-7157	577	4	l.	l.	PROPN
easat-7157	577	5	zhou	zhou	PROPN
easat-7157	577	6	,	,	PUNCT
easat-7157	577	7	x.	x.	PROPN
easat-7157	577	8	shi	shi	PROPN
easat-7157	577	9	,	,	PUNCT
easat-7157	577	10	y.	y.	PROPN
easat-7157	577	11	bao	bao	PROPN
easat-7157	577	12	,	,	PUNCT
easat-7157	577	13	l.	l.	PROPN
easat-7157	577	14	gao	gao	PROPN
easat-7157	577	15	,	,	PUNCT
easat-7157	577	16	and	and	CCONJ
easat-7157	577	17	c.	c.	PROPN
easat-7157	577	18	ma	ma	PROPN
easat-7157	577	19	,	,	PUNCT
easat-7157	577	20	"	"	PUNCT
easat-7157	577	21	explainable	explainable	ADJ
easat-7157	577	22	artificial	artificial	ADJ
easat-7157	577	23	intelligence	intelligence	NOUN
easat-7157	577	24	for	for	ADP
easat-7157	577	25	digital	digital	ADJ
easat-7157	577	26	finance	finance	NOUN
easat-7157	577	27	and	and	CCONJ
easat-7157	577	28	consumption	consumption	NOUN
easat-7157	577	29	upgrading	upgrading	NOUN
easat-7157	577	30	,	,	PUNCT
easat-7157	577	31	"	"	PUNCT
easat-7157	577	32	finance	finance	NOUN
easat-7157	577	33	research	research	NOUN
easat-7157	577	34	letters	letter	NOUN
easat-7157	577	35	,	,	PUNCT
easat-7157	577	36	vol	vol	NOUN
easat-7157	577	37	.	.	PROPN
easat-7157	577	38	58	58	NUM
easat-7157	577	39	,	,	PUNCT
easat-7157	577	40	p.	p.	NOUN
easat-7157	577	41	104489	104489	NUM
easat-7157	577	42	,	,	PUNCT
easat-7157	577	43	2023	2023	NUM
easat-7157	577	44	.	.	PUNCT
easat-7157	578	1	https://doi.org/10.1016/j.frl.2023.104489	https://doi.org/10.1016/j.frl.2023.104489	PROPN
easat-7157	579	1	[	[	X
easat-7157	579	2	37	37	NUM
easat-7157	579	3	]	]	PUNCT
easat-7157	579	4	s.	s.	PROPN
easat-7157	579	5	pahari	pahari	PROPN
easat-7157	579	6	,	,	PUNCT
easat-7157	579	7	a.	a.	NOUN
easat-7157	579	8	polisetty	polisetty	PROPN
easat-7157	579	9	,	,	PUNCT
easat-7157	579	10	s.	s.	PROPN
easat-7157	579	11	sharma	sharma	PROPN
easat-7157	579	12	,	,	PUNCT
easat-7157	579	13	r.	r.	PROPN
easat-7157	579	14	jha	jha	PROPN
easat-7157	579	15	,	,	PUNCT
easat-7157	579	16	and	and	CCONJ
easat-7157	579	17	d.	d.	PROPN
easat-7157	579	18	chakraborty	chakraborty	PROPN
easat-7157	579	19	,	,	PUNCT
easat-7157	579	20	"	"	PUNCT
easat-7157	579	21	adoption	adoption	NOUN
easat-7157	579	22	of	of	ADP
easat-7157	579	23	ai	ai	VERB
easat-7157	579	24	in	in	ADP
easat-7157	579	25	the	the	DET
easat-7157	579	26	banking	banking	NOUN
easat-7157	579	27	industry	industry	NOUN
easat-7157	579	28	:	:	PUNCT
easat-7157	579	29	a	a	DET
easat-7157	579	30	case	case	NOUN
easat-7157	579	31	study	study	NOUN
easat-7157	579	32	on	on	ADP
easat-7157	579	33	indian	indian	ADJ
easat-7157	579	34	banks	bank	NOUN
easat-7157	579	35	,	,	PUNCT
easat-7157	579	36	"	"	PUNCT
easat-7157	579	37	indian	indian	ADJ
easat-7157	579	38	journal	journal	NOUN
easat-7157	579	39	of	of	ADP
easat-7157	579	40	marketing	marketing	NOUN
easat-7157	579	41	,	,	PUNCT
easat-7157	579	42	vol	vol	NOUN
easat-7157	579	43	.	.	PROPN
easat-7157	579	44	53	53	NUM
easat-7157	579	45	,	,	PUNCT
easat-7157	579	46	no	no	INTJ
easat-7157	579	47	.	.	NOUN
easat-7157	579	48	3	3	NUM
easat-7157	579	49	,	,	PUNCT
easat-7157	579	50	pp	pp	ADJ
easat-7157	579	51	.	.	PUNCT
easat-7157	580	1	26	26	NUM
easat-7157	580	2	-	-	SYM
easat-7157	580	3	41	41	NUM
easat-7157	580	4	,	,	PUNCT
easat-7157	580	5	2023	2023	NUM
easat-7157	580	6	.	.	PUNCT
easat-7157	581	1	https://doi.org/10.17010/ijom/2023/v53/i3/172654	https://doi.org/10.17010/ijom/2023/v53/i3/172654	NUM
easat-7157	581	2	[	[	SYM
easat-7157	581	3	38	38	NUM
easat-7157	581	4	]	]	PUNCT
easat-7157	581	5	b.	b.	PROPN
easat-7157	581	6	zhou	zhou	PROPN
easat-7157	581	7	and	and	CCONJ
easat-7157	581	8	l.	l.	PROPN
easat-7157	581	9	zheng	zheng	PROPN
easat-7157	581	10	,	,	PUNCT
easat-7157	581	11	"	"	PUNCT
easat-7157	581	12	technology	technology	NOUN
easat-7157	581	13	-	-	PUNCT
easat-7157	581	14	pushed	push	VERB
easat-7157	581	15	,	,	PUNCT
easat-7157	581	16	market	market	NOUN
easat-7157	581	17	-	-	PUNCT
easat-7157	581	18	pulled	pull	VERB
easat-7157	581	19	,	,	PUNCT
easat-7157	581	20	or	or	CCONJ
easat-7157	581	21	government	government	NOUN
easat-7157	581	22	-	-	PUNCT
easat-7157	581	23	driven	drive	VERB
easat-7157	581	24	?	?	PUNCT
easat-7157	582	1	the	the	DET
easat-7157	582	2	adoption	adoption	NOUN
easat-7157	582	3	of	of	ADP
easat-7157	582	4	industry	industry	NOUN
easat-7157	582	5	4.0	4.0	NUM
easat-7157	582	6	technologies	technology	NOUN
easat-7157	582	7	in	in	ADP
easat-7157	582	8	a	a	DET
easat-7157	582	9	developing	develop	VERB
easat-7157	582	10	economy	economy	NOUN
easat-7157	582	11	,	,	PUNCT
easat-7157	582	12	"	"	PUNCT
easat-7157	582	13	journal	journal	NOUN
easat-7157	582	14	of	of	ADP
easat-7157	582	15	manufacturing	manufacturing	NOUN
easat-7157	582	16	technology	technology	NOUN
easat-7157	582	17	management	management	NOUN
easat-7157	582	18	,	,	PUNCT
easat-7157	582	19	vol	vol	NOUN
easat-7157	582	20	.	.	PROPN
easat-7157	582	21	34	34	NUM
easat-7157	582	22	,	,	PUNCT
easat-7157	582	23	no	no	INTJ
easat-7157	582	24	.	.	NOUN
easat-7157	582	25	9	9	NUM
easat-7157	582	26	,	,	PUNCT
easat-7157	582	27	pp	pp	ADJ
easat-7157	582	28	.	.	PUNCT
easat-7157	583	1	115	115	NUM
easat-7157	583	2	-	-	SYM
easat-7157	583	3	138	138	NUM
easat-7157	583	4	,	,	PUNCT
easat-7157	583	5	2023	2023	NUM
easat-7157	583	6	.	.	PUNCT
easat-7157	584	1	https://doi.org/10.1108/jmtm-09-2022-0313	https://doi.org/10.1108/jmtm-09-2022-0313	ADJ
easat-7157	584	2	https://doi.org/10.1108/978-1-83549-272-720241005	https://doi.org/10.1108/978-1-83549-272-720241005	AUX
easat-7157	584	3	https://doi.org/10.3390/admsci14040070	https://doi.org/10.3390/admsci14040070	VERB
easat-7157	584	4	https://doi.org/10.3390/digital2010006	https://doi.org/10.3390/digital2010006	NOUN
easat-7157	584	5	https://doi.org/10.1016/j.jclepro.2022.134120	https://doi.org/10.1016/j.jclepro.2022.134120	NOUN
easat-7157	584	6	https://doi.org/10.1080/23322039.2021.2023262	https://doi.org/10.1080/23322039.2021.2023262	PUNCT
easat-7157	584	7	https://doi.org/10.3390/buildings14082460	https://doi.org/10.3390/buildings14082460	PROPN
easat-7157	584	8	https://doi.org/10.3390/su15043682	https://doi.org/10.3390/su15043682	ADP
easat-7157	584	9	https://doi.org/10.1016/j.ijinfomgt.2022.102588	https://doi.org/10.1016/j.ijinfomgt.2022.102588	PROPN
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easat-7157	584	11	https://doi.org/10.1016/j.techsoc.2023.102403	https://doi.org/10.1016/j.techsoc.2023.102403	NOUN
easat-7157	584	12	https://doi.org/10.1016/j.jbusres.2019.07.039	https://doi.org/10.1016/j.jbusres.2019.07.039	NOUN
easat-7157	584	13	https://doi.org/10.1007/s11846-024-00738-0	https://doi.org/10.1007/s11846-024-00738-0	NUM
easat-7157	584	14	https://doi.org/10.1007/s11846-024-00738-0	https://doi.org/10.1007/s11846-024-00738-0	NUM
easat-7157	584	15	https://doi.org/10.1016/j.ribaf.2023.102116	https://doi.org/10.1016/j.ribaf.2023.102116	ADJ
easat-7157	584	16	https://doi.org/10.1007/s43621-024-00182-w	https://doi.org/10.1007/s43621-024-00182-w	PROPN
easat-7157	584	17	https://doi.org/10.1108/bpmj-10-2023-0805	https://doi.org/10.1108/bpmj-10-2023-0805	PROPN
easat-7157	584	18	https://doi.org/10.3790/ccm.52.3.323	https://doi.org/10.3790/ccm.52.3.323	PROPN
easat-7157	584	19	https://doi.org/10.1108/vjikms-08-2020-0151	https://doi.org/10.1108/vjikms-08-2020-0151	NOUN
easat-7157	584	20	https://doi.org/10.21511/bbs.17(3).2022.10	https://doi.org/10.21511/bbs.17(3).2022.10	ADP
easat-7157	584	21	https://doi.org/10.3390/bdcc4020008	https://doi.org/10.3390/bdcc4020008	NOUN
easat-7157	584	22	https://doi.org/10.1016/j.technovation.2023.102768	https://doi.org/10.1016/j.technovation.2023.102768	NOUN
easat-7157	584	23	https://doi.org/10.1016/j.frl.2023.104489	https://doi.org/10.1016/j.frl.2023.104489	PROPN
easat-7157	584	24	https://doi.org/10.17010/ijom/2023/v53/i3/172654	https://doi.org/10.17010/ijom/2023/v53/i3/172654	PROPN
easat-7157	584	25	https://doi.org/10.1108/jmtm-09-2022-0313	https://doi.org/10.1108/jmtm-09-2022-0313	ADJ
easat-7157	584	26	1322	1322	NUM
easat-7157	584	27	edelweiss	edelweiss	PROPN
easat-7157	584	28	applied	apply	VERB
easat-7157	584	29	science	science	NOUN
easat-7157	584	30	and	and	CCONJ
easat-7157	584	31	technology	technology	NOUN
easat-7157	584	32	issn	issn	PROPN
easat-7157	584	33	:	:	PUNCT
easat-7157	584	34	2576	2576	NUM
easat-7157	584	35	-	-	SYM
easat-7157	584	36	8484	8484	NUM
easat-7157	584	37	vol	vol	NOUN
easat-7157	584	38	.	.	PROPN
easat-7157	585	1	9	9	NUM
easat-7157	585	2	,	,	PUNCT
easat-7157	585	3	no	no	INTJ
easat-7157	585	4	.	.	NOUN
easat-7157	585	5	5	5	NUM
easat-7157	585	6	:	:	SYM
easat-7157	585	7	1302	1302	NUM
easat-7157	585	8	-	-	SYM
easat-7157	585	9	1323	1323	NUM
easat-7157	585	10	,	,	PUNCT
easat-7157	585	11	2025	2025	NUM
easat-7157	585	12	doi	doi	NOUN
easat-7157	585	13	:	:	PUNCT
easat-7157	585	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	585	15	©	©	ADP
easat-7157	585	16	2025	2025	NUM
easat-7157	585	17	by	by	ADP
easat-7157	585	18	the	the	DET
easat-7157	585	19	authors	author	NOUN
easat-7157	585	20	;	;	PUNCT
easat-7157	585	21	licensee	licensee	PROPN
easat-7157	585	22	learning	learning	NOUN
easat-7157	585	23	gate	gate	NOUN
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easat-7157	586	2	39	39	NUM
easat-7157	586	3	]	]	PUNCT
easat-7157	586	4	t.	t.	PROPN
easat-7157	586	5	austin	austin	PROPN
easat-7157	586	6	and	and	CCONJ
easat-7157	586	7	b.	b.	PROPN
easat-7157	586	8	s.	s.	PROPN
easat-7157	586	9	rawal	rawal	PROPN
easat-7157	586	10	,	,	PUNCT
easat-7157	586	11	"	"	PUNCT
easat-7157	586	12	model	model	NOUN
easat-7157	586	13	retraining	retraining	NOUN
easat-7157	586	14	:	:	PUNCT
easat-7157	586	15	predicting	predict	VERB
easat-7157	586	16	the	the	DET
easat-7157	586	17	likelihood	likelihood	NOUN
easat-7157	586	18	of	of	ADP
easat-7157	586	19	financial	financial	ADJ
easat-7157	586	20	inclusion	inclusion	NOUN
easat-7157	586	21	in	in	ADP
easat-7157	586	22	kiva	kiva	PROPN
easat-7157	586	23	’s	’s	PART
easat-7157	586	24	peer	peer	NOUN
easat-7157	586	25	-	-	PUNCT
easat-7157	586	26	to	to	ADP
easat-7157	586	27	-	-	PUNCT
easat-7157	586	28	peer	peer	NOUN
easat-7157	586	29	lending	lending	NOUN
easat-7157	586	30	to	to	PART
easat-7157	586	31	promote	promote	VERB
easat-7157	586	32	social	social	ADJ
easat-7157	586	33	impact	impact	NOUN
easat-7157	586	34	,	,	PUNCT
easat-7157	586	35	"	"	PUNCT
easat-7157	586	36	algorithms	algorithm	NOUN
easat-7157	586	37	,	,	PUNCT
easat-7157	586	38	vol	vol	NOUN
easat-7157	586	39	.	.	PROPN
easat-7157	587	1	16	16	NUM
easat-7157	587	2	,	,	PUNCT
easat-7157	587	3	no	no	INTJ
easat-7157	587	4	.	.	NOUN
easat-7157	587	5	8	8	NUM
easat-7157	587	6	,	,	PUNCT
easat-7157	587	7	p.	p.	NOUN
easat-7157	587	8	363	363	NUM
easat-7157	587	9	,	,	PUNCT
easat-7157	587	10	2023	2023	NUM
easat-7157	587	11	.	.	PUNCT
easat-7157	588	1	https://doi.org/10.3390/a16080363	https://doi.org/10.3390/a16080363	NUM
easat-7157	589	1	[	[	X
easat-7157	589	2	40	40	NUM
easat-7157	589	3	]	]	PUNCT
easat-7157	589	4	s.	s.	PROPN
easat-7157	589	5	odei	odei	PROPN
easat-7157	589	6	-	-	PUNCT
easat-7157	589	7	appiah	appiah	PROPN
easat-7157	589	8	,	,	PUNCT
easat-7157	589	9	g.	g.	PROPN
easat-7157	589	10	wiredu	wiredu	PROPN
easat-7157	589	11	,	,	PUNCT
easat-7157	589	12	and	and	CCONJ
easat-7157	589	13	j.	j.	PROPN
easat-7157	589	14	k.	k.	PROPN
easat-7157	589	15	adjei	adjei	PROPN
easat-7157	589	16	,	,	PUNCT
easat-7157	589	17	"	"	PUNCT
easat-7157	589	18	fintech	fintech	NOUN
easat-7157	589	19	use	use	NOUN
easat-7157	589	20	,	,	PUNCT
easat-7157	589	21	digital	digital	ADJ
easat-7157	589	22	divide	divide	NOUN
easat-7157	589	23	and	and	CCONJ
easat-7157	589	24	financial	financial	ADJ
easat-7157	589	25	inclusion	inclusion	NOUN
easat-7157	589	26	,	,	PUNCT
easat-7157	589	27	"	"	PUNCT
easat-7157	589	28	digital	digital	ADJ
easat-7157	589	29	policy	policy	NOUN
easat-7157	589	30	,	,	PUNCT
easat-7157	589	31	regulation	regulation	NOUN
easat-7157	589	32	and	and	CCONJ
easat-7157	589	33	governance	governance	NOUN
easat-7157	589	34	,	,	PUNCT
easat-7157	589	35	vol	vol	NOUN
easat-7157	589	36	.	.	PROPN
easat-7157	590	1	24	24	NUM
easat-7157	590	2	,	,	PUNCT
easat-7157	590	3	no	no	INTJ
easat-7157	590	4	.	.	NOUN
easat-7157	590	5	5	5	NUM
easat-7157	590	6	,	,	PUNCT
easat-7157	590	7	pp	pp	ADJ
easat-7157	590	8	.	.	PUNCT
easat-7157	591	1	435	435	NUM
easat-7157	591	2	-	-	SYM
easat-7157	591	3	448	448	NUM
easat-7157	591	4	,	,	PUNCT
easat-7157	591	5	2022	2022	NUM
easat-7157	591	6	.	.	PUNCT
easat-7157	592	1	https://doi.org/10.1108/dprg-09-2021-0111	https://doi.org/10.1108/dprg-09-2021-0111	NOUN
easat-7157	592	2	[	[	X
easat-7157	592	3	41	41	NUM
easat-7157	592	4	]	]	PUNCT
easat-7157	592	5	s.	s.	PROPN
easat-7157	592	6	s.	s.	PROPN
easat-7157	592	7	abed	abe	VERB
easat-7157	592	8	,	,	PUNCT
easat-7157	592	9	"	"	PUNCT
easat-7157	592	10	social	social	ADJ
easat-7157	592	11	commerce	commerce	NOUN
easat-7157	592	12	adoption	adoption	NOUN
easat-7157	592	13	using	use	VERB
easat-7157	592	14	toe	toe	NOUN
easat-7157	592	15	framework	framework	NOUN
easat-7157	592	16	:	:	PUNCT
easat-7157	592	17	an	an	DET
easat-7157	592	18	empirical	empirical	ADJ
easat-7157	592	19	investigation	investigation	NOUN
easat-7157	592	20	of	of	ADP
easat-7157	592	21	saudi	saudi	ADJ
easat-7157	592	22	arabian	arabian	ADJ
easat-7157	592	23	smes	sme	NOUN
easat-7157	592	24	,	,	PUNCT
easat-7157	592	25	"	"	PUNCT
easat-7157	592	26	international	international	ADJ
easat-7157	592	27	journal	journal	NOUN
easat-7157	592	28	of	of	ADP
easat-7157	592	29	information	information	NOUN
easat-7157	592	30	management	management	NOUN
easat-7157	592	31	,	,	PUNCT
easat-7157	592	32	vol	vol	NOUN
easat-7157	592	33	.	.	PROPN
easat-7157	593	1	53	53	NUM
easat-7157	593	2	,	,	PUNCT
easat-7157	593	3	p.	p.	NOUN
easat-7157	593	4	102118	102118	NUM
easat-7157	593	5	,	,	PUNCT
easat-7157	593	6	2020	2020	NUM
easat-7157	593	7	.	.	PUNCT
easat-7157	594	1	https://doi.org/10.1016/j.ijinfomgt.2020.102118	https://doi.org/10.1016/j.ijinfomgt.2020.102118	ADJ
easat-7157	594	2	[	[	X
easat-7157	594	3	42	42	NUM
easat-7157	594	4	]	]	X
easat-7157	594	5	y.	y.	PROPN
easat-7157	594	6	lai	lai	PROPN
easat-7157	594	7	,	,	PUNCT
easat-7157	594	8	h.	h.	PROPN
easat-7157	594	9	sun	sun	PROPN
easat-7157	594	10	,	,	PUNCT
easat-7157	594	11	and	and	CCONJ
easat-7157	594	12	j.	j.	PROPN
easat-7157	594	13	ren	ren	PROPN
easat-7157	594	14	,	,	PUNCT
easat-7157	594	15	"	"	PUNCT
easat-7157	594	16	understanding	understand	VERB
easat-7157	594	17	the	the	DET
easat-7157	594	18	determinants	determinant	NOUN
easat-7157	594	19	of	of	ADP
easat-7157	594	20	big	big	ADJ
easat-7157	594	21	data	datum	NOUN
easat-7157	594	22	analytics	analytic	NOUN
easat-7157	594	23	(	(	PUNCT
easat-7157	594	24	bda	bda	PROPN
easat-7157	594	25	)	)	PUNCT
easat-7157	594	26	adoption	adoption	NOUN
easat-7157	594	27	in	in	ADP
easat-7157	594	28	logistics	logistic	NOUN
easat-7157	594	29	and	and	CCONJ
easat-7157	594	30	supply	supply	NOUN
easat-7157	594	31	chain	chain	NOUN
easat-7157	594	32	management	management	NOUN
easat-7157	594	33	:	:	PUNCT
easat-7157	594	34	an	an	DET
easat-7157	594	35	empirical	empirical	ADJ
easat-7157	594	36	investigation	investigation	NOUN
easat-7157	594	37	,	,	PUNCT
easat-7157	594	38	"	"	PUNCT
easat-7157	594	39	the	the	DET
easat-7157	594	40	international	international	ADJ
easat-7157	594	41	journal	journal	NOUN
easat-7157	594	42	of	of	ADP
easat-7157	594	43	logistics	logistic	NOUN
easat-7157	594	44	management	management	NOUN
easat-7157	594	45	,	,	PUNCT
easat-7157	594	46	vol	vol	NOUN
easat-7157	594	47	.	.	PROPN
easat-7157	594	48	29	29	NUM
easat-7157	594	49	,	,	PUNCT
easat-7157	594	50	no	no	INTJ
easat-7157	594	51	.	.	NOUN
easat-7157	594	52	2	2	NUM
easat-7157	594	53	,	,	PUNCT
easat-7157	594	54	pp	pp	ADJ
easat-7157	594	55	.	.	PUNCT
easat-7157	595	1	676	676	NUM
easat-7157	595	2	-	-	SYM
easat-7157	595	3	703	703	NUM
easat-7157	595	4	,	,	PUNCT
easat-7157	595	5	2018	2018	NUM
easat-7157	595	6	.	.	PUNCT
easat-7157	595	7	https://doi.org/10.1108/ijlm-06-2017-0153	https://doi.org/10.1108/ijlm-06-2017-0153	PUNCT
easat-7157	596	1	[	[	X
easat-7157	596	2	43	43	NUM
easat-7157	596	3	]	]	X
easat-7157	596	4	i.	i.	PROPN
easat-7157	596	5	sahin	sahin	PROPN
easat-7157	596	6	,	,	PUNCT
easat-7157	596	7	"	"	PUNCT
easat-7157	596	8	detailed	detailed	ADJ
easat-7157	596	9	review	review	NOUN
easat-7157	596	10	of	of	ADP
easat-7157	596	11	rogers	roger	NOUN
easat-7157	596	12	'	'	PART
easat-7157	596	13	diffusion	diffusion	NOUN
easat-7157	596	14	of	of	ADP
easat-7157	596	15	innovations	innovation	NOUN
easat-7157	596	16	theory	theory	NOUN
easat-7157	596	17	and	and	CCONJ
easat-7157	596	18	educational	educational	ADJ
easat-7157	596	19	technology	technology	NOUN
easat-7157	596	20	-	-	PUNCT
easat-7157	596	21	related	relate	VERB
easat-7157	596	22	studies	study	NOUN
easat-7157	596	23	based	base	VERB
easat-7157	596	24	on	on	ADP
easat-7157	596	25	rogers	roger	NOUN
easat-7157	596	26	'	'	PART
easat-7157	596	27	theory	theory	NOUN
easat-7157	596	28	,	,	PUNCT
easat-7157	596	29	"	"	PUNCT
easat-7157	596	30	turkish	turkish	ADJ
easat-7157	596	31	online	online	ADJ
easat-7157	596	32	journal	journal	NOUN
easat-7157	596	33	of	of	ADP
easat-7157	596	34	educational	educational	ADJ
easat-7157	596	35	technology	technology	NOUN
easat-7157	596	36	,	,	PUNCT
easat-7157	596	37	vol	vol	NOUN
easat-7157	596	38	.	.	PROPN
easat-7157	596	39	5	5	NUM
easat-7157	596	40	,	,	PUNCT
easat-7157	596	41	no	no	INTJ
easat-7157	596	42	.	.	NOUN
easat-7157	596	43	2	2	NUM
easat-7157	596	44	,	,	PUNCT
easat-7157	596	45	pp	pp	ADJ
easat-7157	596	46	.	.	PUNCT
easat-7157	597	1	14	14	NUM
easat-7157	597	2	-	-	SYM
easat-7157	597	3	23	23	NUM
easat-7157	597	4	,	,	PUNCT
easat-7157	597	5	2006	2006	NUM
easat-7157	597	6	.	.	PUNCT
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easat-7157	598	2	44	44	NUM
easat-7157	598	3	]	]	PUNCT
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easat-7157	598	5	m.	m.	PROPN
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easat-7157	598	7	,	,	PUNCT
easat-7157	598	8	a.	a.	NOUN
easat-7157	598	9	khatibi	khatibi	NOUN
easat-7157	598	10	,	,	PUNCT
easat-7157	598	11	a.	a.	PROPN
easat-7157	598	12	r.	r.	PROPN
easat-7157	598	13	alsoud	alsoud	PROPN
easat-7157	598	14	,	,	PUNCT
easat-7157	598	15	j.	j.	PROPN
easat-7157	598	16	tham	tham	PROPN
easat-7157	598	17	,	,	PUNCT
easat-7157	598	18	a.	a.	PROPN
easat-7157	598	19	s.	s.	PROPN
easat-7157	598	20	al	al	PROPN
easat-7157	598	21	-	-	PUNCT
easat-7157	598	22	adwan	adwan	PROPN
easat-7157	598	23	,	,	PUNCT
easat-7157	598	24	and	and	CCONJ
easat-7157	598	25	s.	s.	PROPN
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easat-7157	598	29	"	"	PUNCT
easat-7157	598	30	antecedents	antecedent	NOUN
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easat-7157	598	32	business	business	NOUN
easat-7157	598	33	analytics	analytic	NOUN
easat-7157	598	34	adoption	adoption	NOUN
easat-7157	598	35	and	and	CCONJ
easat-7157	598	36	impacts	impact	NOUN
easat-7157	598	37	on	on	ADP
easat-7157	598	38	banks	bank	NOUN
easat-7157	598	39	’	'	PUNCT
easat-7157	598	40	performance	performance	NOUN
easat-7157	598	41	:	:	PUNCT
easat-7157	598	42	the	the	DET
easat-7157	598	43	perspective	perspective	NOUN
easat-7157	598	44	of	of	ADP
easat-7157	598	45	the	the	DET
easat-7157	598	46	toe	toe	NOUN
easat-7157	598	47	framework	framework	NOUN
easat-7157	598	48	and	and	CCONJ
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easat-7157	598	50	-	-	PUNCT
easat-7157	598	51	based	base	VERB
easat-7157	598	52	view	view	NOUN
easat-7157	598	53	,	,	PUNCT
easat-7157	598	54	"	"	PUNCT
easat-7157	598	55	interdisciplinary	interdisciplinary	ADJ
easat-7157	598	56	journal	journal	NOUN
easat-7157	598	57	of	of	ADP
easat-7157	598	58	information	information	NOUN
easat-7157	598	59	,	,	PUNCT
easat-7157	598	60	knowledge	knowledge	NOUN
easat-7157	598	61	,	,	PUNCT
easat-7157	598	62	and	and	CCONJ
easat-7157	598	63	management	management	NOUN
easat-7157	598	64	,	,	PUNCT
easat-7157	598	65	vol	vol	NOUN
easat-7157	598	66	.	.	PROPN
easat-7157	598	67	18	18	NUM
easat-7157	598	68	,	,	PUNCT
easat-7157	598	69	pp	pp	ADJ
easat-7157	598	70	.	.	PUNCT
easat-7157	599	1	609	609	NUM
easat-7157	599	2	-	-	SYM
easat-7157	599	3	643	643	NUM
easat-7157	599	4	,	,	PUNCT
easat-7157	599	5	2023	2023	NUM
easat-7157	599	6	.	.	PUNCT
easat-7157	600	1	https://doi.org/10.28945/5188	https://doi.org/10.28945/5188	NOUN
easat-7157	601	1	[	[	X
easat-7157	601	2	45	45	NUM
easat-7157	601	3	]	]	PUNCT
easat-7157	601	4	h.	h.	PROPN
easat-7157	601	5	hmoud	hmoud	PROPN
easat-7157	601	6	,	,	PUNCT
easat-7157	601	7	a.	a.	PROPN
easat-7157	601	8	s.	s.	PROPN
easat-7157	601	9	al	al	PROPN
easat-7157	601	10	-	-	PUNCT
easat-7157	601	11	adwan	adwan	PROPN
easat-7157	601	12	,	,	PUNCT
easat-7157	601	13	o.	o.	PROPN
easat-7157	601	14	horani	horani	PROPN
easat-7157	601	15	,	,	PUNCT
easat-7157	601	16	h.	h.	PROPN
easat-7157	601	17	yaseen	yaseen	PROPN
easat-7157	601	18	,	,	PUNCT
easat-7157	601	19	and	and	CCONJ
easat-7157	601	20	j.	j.	PROPN
easat-7157	601	21	z.	z.	PROPN
easat-7157	601	22	al	al	PROPN
easat-7157	601	23	zoubi	zoubi	PROPN
easat-7157	601	24	,	,	PUNCT
easat-7157	601	25	"	"	PUNCT
easat-7157	601	26	factors	factor	NOUN
easat-7157	601	27	influencing	influence	VERB
easat-7157	601	28	business	business	NOUN
easat-7157	601	29	intelligence	intelligence	NOUN
easat-7157	601	30	adoption	adoption	NOUN
easat-7157	601	31	by	by	ADP
easat-7157	601	32	higher	high	ADJ
easat-7157	601	33	education	education	NOUN
easat-7157	601	34	institutions	institution	NOUN
easat-7157	601	35	,	,	PUNCT
easat-7157	601	36	"	"	PUNCT
easat-7157	601	37	journal	journal	NOUN
easat-7157	601	38	of	of	ADP
easat-7157	601	39	open	open	ADJ
easat-7157	601	40	innovation	innovation	NOUN
easat-7157	601	41	:	:	PUNCT
easat-7157	601	42	technology	technology	NOUN
easat-7157	601	43	,	,	PUNCT
easat-7157	601	44	market	market	NOUN
easat-7157	601	45	,	,	PUNCT
easat-7157	601	46	and	and	CCONJ
easat-7157	601	47	complexity	complexity	NOUN
easat-7157	601	48	,	,	PUNCT
easat-7157	601	49	vol	vol	NOUN
easat-7157	601	50	.	.	NOUN
easat-7157	601	51	9	9	NUM
easat-7157	601	52	,	,	PUNCT
easat-7157	601	53	no	no	INTJ
easat-7157	601	54	.	.	NOUN
easat-7157	601	55	3	3	NUM
easat-7157	601	56	,	,	PUNCT
easat-7157	601	57	p.	p.	NOUN
easat-7157	601	58	100111	100111	NUM
easat-7157	601	59	,	,	PUNCT
easat-7157	601	60	2023	2023	NUM
easat-7157	601	61	.	.	PUNCT
easat-7157	602	1	https://doi.org/10.1016/j.joitmc.2023.100111	https://doi.org/10.1016/j.joitmc.2023.100111	ADP
easat-7157	602	2	[	[	X
easat-7157	602	3	46	46	NUM
easat-7157	602	4	]	]	PUNCT
easat-7157	602	5	s.	s.	PROPN
easat-7157	602	6	kumar	kumar	PROPN
easat-7157	602	7	,	,	PUNCT
easat-7157	602	8	r.	r.	PROPN
easat-7157	602	9	d.	d.	PROPN
easat-7157	602	10	raut	raut	PROPN
easat-7157	602	11	,	,	PUNCT
easat-7157	602	12	m.	m.	NOUN
easat-7157	602	13	m.	m.	PROPN
easat-7157	602	14	queiroz	queiroz	PROPN
easat-7157	602	15	,	,	PUNCT
easat-7157	602	16	and	and	CCONJ
easat-7157	602	17	b.	b.	PROPN
easat-7157	602	18	e.	e.	PROPN
easat-7157	602	19	narkhede	narkhede	PROPN
easat-7157	602	20	,	,	PUNCT
easat-7157	602	21	"	"	PUNCT
easat-7157	602	22	mapping	map	VERB
easat-7157	602	23	the	the	DET
easat-7157	602	24	barriers	barrier	NOUN
easat-7157	602	25	of	of	ADP
easat-7157	602	26	ai	ai	PROPN
easat-7157	602	27	implementations	implementation	NOUN
easat-7157	602	28	in	in	ADP
easat-7157	602	29	the	the	DET
easat-7157	602	30	public	public	ADJ
easat-7157	602	31	distribution	distribution	NOUN
easat-7157	602	32	system	system	NOUN
easat-7157	602	33	:	:	PUNCT
easat-7157	602	34	the	the	DET
easat-7157	602	35	indian	indian	ADJ
easat-7157	602	36	experience	experience	NOUN
easat-7157	602	37	,	,	PUNCT
easat-7157	602	38	"	"	PUNCT
easat-7157	602	39	technology	technology	NOUN
easat-7157	602	40	in	in	ADP
easat-7157	602	41	society	society	NOUN
easat-7157	602	42	,	,	PUNCT
easat-7157	602	43	vol	vol	NOUN
easat-7157	602	44	.	.	PROPN
easat-7157	602	45	67	67	NUM
easat-7157	602	46	,	,	PUNCT
easat-7157	602	47	p.	p.	NOUN
easat-7157	602	48	101737	101737	NUM
easat-7157	602	49	,	,	PUNCT
easat-7157	602	50	2021	2021	NUM
easat-7157	602	51	.	.	PUNCT
easat-7157	603	1	https://doi.org/10.1016/j.techsoc.2021.101737	https://doi.org/10.1016/j.techsoc.2021.101737	PROPN
easat-7157	603	2	[	[	X
easat-7157	603	3	47	47	NUM
easat-7157	603	4	]	]	PUNCT
easat-7157	603	5	p.	p.	PROPN
easat-7157	603	6	kumar	kumar	PROPN
easat-7157	603	7	,	,	PUNCT
easat-7157	603	8	s.	s.	PROPN
easat-7157	603	9	s.	s.	PROPN
easat-7157	603	10	kumar	kumar	PROPN
easat-7157	603	11	,	,	PUNCT
easat-7157	603	12	and	and	CCONJ
easat-7157	603	13	a.	a.	PROPN
easat-7157	603	14	dilip	dilip	PROPN
easat-7157	603	15	,	,	PUNCT
easat-7157	603	16	"	"	PUNCT
easat-7157	603	17	effectivness	effectivness	NOUN
easat-7157	603	18	of	of	ADP
easat-7157	603	19	the	the	DET
easat-7157	603	20	adoption	adoption	NOUN
easat-7157	603	21	of	of	ADP
easat-7157	603	22	the	the	DET
easat-7157	603	23	xbrl	xbrl	PROPN
easat-7157	603	24	standard	standard	PROPN
easat-7157	603	25	in	in	ADP
easat-7157	603	26	the	the	DET
easat-7157	603	27	indian	indian	ADJ
easat-7157	603	28	banking	banking	NOUN
easat-7157	603	29	sector	sector	NOUN
easat-7157	603	30	,	,	PUNCT
easat-7157	603	31	"	"	PUNCT
easat-7157	603	32	journal	journal	NOUN
easat-7157	603	33	of	of	ADP
easat-7157	603	34	central	central	ADJ
easat-7157	603	35	banking	banking	NOUN
easat-7157	603	36	theory	theory	NOUN
easat-7157	603	37	and	and	CCONJ
easat-7157	603	38	practice	practice	NOUN
easat-7157	603	39	,	,	PUNCT
easat-7157	603	40	vol	vol	NOUN
easat-7157	603	41	.	.	PROPN
easat-7157	603	42	8	8	NUM
easat-7157	603	43	,	,	PUNCT
easat-7157	603	44	no	no	INTJ
easat-7157	603	45	.	.	NOUN
easat-7157	603	46	1	1	NUM
easat-7157	603	47	,	,	PUNCT
easat-7157	603	48	pp	pp	ADJ
easat-7157	603	49	.	.	PUNCT
easat-7157	604	1	39	39	NUM
easat-7157	604	2	-	-	SYM
easat-7157	604	3	52	52	NUM
easat-7157	604	4	,	,	PUNCT
easat-7157	604	5	2019	2019	NUM
easat-7157	604	6	.	.	PUNCT
easat-7157	605	1	https://doi.org/10.2478/jcbtp2019-0002	https://doi.org/10.2478/jcbtp2019-0002	NOUN
easat-7157	606	1	[	[	X
easat-7157	606	2	48	48	NUM
easat-7157	606	3	]	]	PUNCT
easat-7157	606	4	m.	m.	NOUN
easat-7157	606	5	gounari	gounari	NOUN
easat-7157	606	6	,	,	PUNCT
easat-7157	606	7	g.	g.	PROPN
easat-7157	606	8	stergiopoulos	stergiopoulos	PROPN
easat-7157	606	9	,	,	PUNCT
easat-7157	606	10	k.	k.	PROPN
easat-7157	606	11	pipyros	pipyros	PROPN
easat-7157	606	12	,	,	PUNCT
easat-7157	606	13	and	and	CCONJ
easat-7157	606	14	d.	d.	PROPN
easat-7157	606	15	gritzalis	gritzalis	PROPN
easat-7157	606	16	,	,	PUNCT
easat-7157	606	17	"	"	PUNCT
easat-7157	606	18	harmonizing	harmonize	VERB
easat-7157	606	19	open	open	ADJ
easat-7157	606	20	banking	banking	NOUN
easat-7157	606	21	in	in	ADP
easat-7157	606	22	the	the	DET
easat-7157	606	23	european	european	PROPN
easat-7157	606	24	union	union	PROPN
easat-7157	606	25	:	:	PUNCT
easat-7157	606	26	an	an	DET
easat-7157	606	27	analysis	analysis	NOUN
easat-7157	606	28	of	of	ADP
easat-7157	606	29	psd2	psd2	NOUN
easat-7157	606	30	compliance	compliance	NOUN
easat-7157	606	31	and	and	CCONJ
easat-7157	606	32	interrelation	interrelation	NOUN
easat-7157	606	33	with	with	ADP
easat-7157	606	34	cybersecurity	cybersecurity	NOUN
easat-7157	606	35	frameworks	framework	NOUN
easat-7157	606	36	and	and	CCONJ
easat-7157	606	37	standards	standard	NOUN
easat-7157	606	38	,	,	PUNCT
easat-7157	606	39	"	"	PUNCT
easat-7157	606	40	international	international	ADJ
easat-7157	606	41	cybersecurity	cybersecurity	NOUN
easat-7157	606	42	law	law	NOUN
easat-7157	606	43	review	review	NOUN
easat-7157	606	44	,	,	PUNCT
easat-7157	606	45	vol	vol	NOUN
easat-7157	606	46	.	.	PROPN
easat-7157	606	47	5	5	NUM
easat-7157	606	48	,	,	PUNCT
easat-7157	606	49	no	no	INTJ
easat-7157	606	50	.	.	NOUN
easat-7157	606	51	1	1	NUM
easat-7157	606	52	,	,	PUNCT
easat-7157	606	53	pp	pp	ADJ
easat-7157	606	54	.	.	PUNCT
easat-7157	606	55	79	79	NUM
easat-7157	606	56	-	-	SYM
easat-7157	606	57	120	120	NUM
easat-7157	606	58	,	,	PUNCT
easat-7157	606	59	2024	2024	NUM
easat-7157	606	60	.	.	PUNCT
easat-7157	607	1	https://doi.org/10.1365/s43439-023-00108-8	https://doi.org/10.1365/s43439-023-00108-8	NUM
easat-7157	608	1	[	[	X
easat-7157	608	2	49	49	NUM
easat-7157	608	3	]	]	PUNCT
easat-7157	608	4	c.	c.	PROPN
easat-7157	608	5	flavián	flavián	PROPN
easat-7157	608	6	,	,	PUNCT
easat-7157	608	7	a.	a.	NOUN
easat-7157	608	8	pérez	pérez	NOUN
easat-7157	608	9	-	-	PUNCT
easat-7157	608	10	rueda	rueda	PROPN
easat-7157	608	11	,	,	PUNCT
easat-7157	608	12	d.	d.	PROPN
easat-7157	608	13	belanche	belanche	NOUN
easat-7157	608	14	,	,	PUNCT
easat-7157	608	15	and	and	CCONJ
easat-7157	608	16	l.	l.	PROPN
easat-7157	608	17	v.	v.	PROPN
easat-7157	608	18	casaló	casaló	PROPN
easat-7157	608	19	,	,	PUNCT
easat-7157	608	20	"	"	PUNCT
easat-7157	608	21	intention	intention	NOUN
easat-7157	608	22	to	to	PART
easat-7157	608	23	use	use	VERB
easat-7157	608	24	analytical	analytical	ADJ
easat-7157	608	25	artificial	artificial	ADJ
easat-7157	608	26	intelligence	intelligence	NOUN
easat-7157	608	27	(	(	PUNCT
easat-7157	608	28	ai	ai	NOUN
easat-7157	608	29	)	)	PUNCT
easat-7157	608	30	in	in	ADP
easat-7157	608	31	services	service	NOUN
easat-7157	608	32	–	–	PUNCT
easat-7157	608	33	the	the	DET
easat-7157	608	34	effect	effect	NOUN
easat-7157	608	35	of	of	ADP
easat-7157	608	36	technology	technology	NOUN
easat-7157	608	37	readiness	readiness	NOUN
easat-7157	608	38	and	and	CCONJ
easat-7157	608	39	awareness	awareness	NOUN
easat-7157	608	40	,	,	PUNCT
easat-7157	608	41	"	"	PUNCT
easat-7157	608	42	journal	journal	NOUN
easat-7157	608	43	of	of	ADP
easat-7157	608	44	service	service	NOUN
easat-7157	608	45	management	management	NOUN
easat-7157	608	46	,	,	PUNCT
easat-7157	608	47	vol	vol	NOUN
easat-7157	608	48	.	.	PROPN
easat-7157	608	49	33	33	NUM
easat-7157	608	50	,	,	PUNCT
easat-7157	608	51	no	no	INTJ
easat-7157	608	52	.	.	NOUN
easat-7157	608	53	2	2	NUM
easat-7157	608	54	,	,	PUNCT
easat-7157	608	55	pp	pp	ADJ
easat-7157	608	56	.	.	PUNCT
easat-7157	609	1	293	293	NUM
easat-7157	609	2	-	-	SYM
easat-7157	609	3	320	320	NUM
easat-7157	609	4	,	,	PUNCT
easat-7157	609	5	2021	2021	NUM
easat-7157	609	6	.	.	PUNCT
easat-7157	610	1	https://doi.org/10.1108/josm-10-2020-0378	https://doi.org/10.1108/josm-10-2020-0378	NOUN
easat-7157	611	1	[	[	X
easat-7157	611	2	50	50	NUM
easat-7157	611	3	]	]	PUNCT
easat-7157	611	4	s.	s.	PROPN
easat-7157	611	5	k.	k.	PROPN
easat-7157	611	6	misra	misra	PROPN
easat-7157	611	7	,	,	PUNCT
easat-7157	611	8	s.	s.	PROPN
easat-7157	611	9	k.	k.	PROPN
easat-7157	611	10	sharma	sharma	PROPN
easat-7157	611	11	,	,	PUNCT
easat-7157	611	12	s.	s.	PROPN
easat-7157	611	13	gupta	gupta	PROPN
easat-7157	611	14	,	,	PUNCT
easat-7157	611	15	and	and	CCONJ
easat-7157	611	16	s.	s.	PROPN
easat-7157	611	17	das	das	PROPN
easat-7157	611	18	,	,	PUNCT
easat-7157	611	19	"	"	PUNCT
easat-7157	611	20	a	a	DET
easat-7157	611	21	framework	framework	NOUN
easat-7157	611	22	to	to	PART
easat-7157	611	23	overcome	overcome	VERB
easat-7157	611	24	challenges	challenge	NOUN
easat-7157	611	25	to	to	ADP
easat-7157	611	26	the	the	DET
easat-7157	611	27	adoption	adoption	NOUN
easat-7157	611	28	of	of	ADP
easat-7157	611	29	artificial	artificial	ADJ
easat-7157	611	30	intelligence	intelligence	NOUN
easat-7157	611	31	in	in	ADP
easat-7157	611	32	indian	indian	ADJ
easat-7157	611	33	government	government	NOUN
easat-7157	611	34	organizations	organization	NOUN
easat-7157	611	35	,	,	PUNCT
easat-7157	611	36	"	"	PUNCT
easat-7157	611	37	technological	technological	ADJ
easat-7157	611	38	forecasting	forecasting	NOUN
easat-7157	611	39	and	and	CCONJ
easat-7157	611	40	social	social	ADJ
easat-7157	611	41	change	change	NOUN
easat-7157	611	42	,	,	PUNCT
easat-7157	611	43	vol	vol	NOUN
easat-7157	611	44	.	.	PROPN
easat-7157	611	45	194	194	NUM
easat-7157	611	46	,	,	PUNCT
easat-7157	611	47	p.	p.	NOUN
easat-7157	611	48	122721	122721	NUM
easat-7157	611	49	,	,	PUNCT
easat-7157	611	50	2023	2023	NUM
easat-7157	611	51	.	.	PUNCT
easat-7157	612	1	https://doi.org/10.1016/j.techfore.2023.122721	https://doi.org/10.1016/j.techfore.2023.122721	PROPN
easat-7157	613	1	[	[	X
easat-7157	613	2	51	51	NUM
easat-7157	613	3	]	]	X
easat-7157	613	4	v.	v.	ADP
easat-7157	613	5	pai	pai	PROPN
easat-7157	613	6	and	and	CCONJ
easat-7157	613	7	s.	s.	PROPN
easat-7157	613	8	chandra	chandra	PROPN
easat-7157	613	9	,	,	PUNCT
easat-7157	613	10	"	"	PUNCT
easat-7157	613	11	exploring	explore	VERB
easat-7157	613	12	factors	factor	NOUN
easat-7157	613	13	influencing	influence	VERB
easat-7157	613	14	organizational	organizational	ADJ
easat-7157	613	15	adoption	adoption	NOUN
easat-7157	613	16	of	of	ADP
easat-7157	613	17	artificial	artificial	ADJ
easat-7157	613	18	intelligence	intelligence	NOUN
easat-7157	613	19	(	(	PUNCT
easat-7157	613	20	ai	ai	NOUN
easat-7157	613	21	)	)	PUNCT
easat-7157	613	22	in	in	ADP
easat-7157	613	23	corporate	corporate	ADJ
easat-7157	613	24	social	social	ADJ
easat-7157	613	25	responsibility	responsibility	NOUN
easat-7157	613	26	(	(	PUNCT
easat-7157	613	27	csr	csr	NOUN
easat-7157	613	28	)	)	PUNCT
easat-7157	613	29	initiatives	initiative	NOUN
easat-7157	613	30	,	,	PUNCT
easat-7157	613	31	"	"	PUNCT
easat-7157	613	32	pacific	pacific	PROPN
easat-7157	613	33	asia	asia	PROPN
easat-7157	613	34	journal	journal	PROPN
easat-7157	613	35	of	of	ADP
easat-7157	613	36	the	the	DET
easat-7157	613	37	association	association	NOUN
easat-7157	613	38	for	for	ADP
easat-7157	613	39	information	information	NOUN
easat-7157	613	40	systems	system	NOUN
easat-7157	613	41	,	,	PUNCT
easat-7157	613	42	vol	vol	NOUN
easat-7157	613	43	.	.	PROPN
easat-7157	614	1	14	14	NUM
easat-7157	614	2	,	,	PUNCT
easat-7157	614	3	no	no	INTJ
easat-7157	614	4	.	.	NOUN
easat-7157	614	5	5	5	NUM
easat-7157	614	6	,	,	PUNCT
easat-7157	614	7	pp	pp	ADJ
easat-7157	614	8	.	.	PUNCT
easat-7157	615	1	1	1	NUM
easat-7157	615	2	-	-	SYM
easat-7157	615	3	4	4	NUM
easat-7157	615	4	,	,	PUNCT
easat-7157	615	5	2022	2022	NUM
easat-7157	615	6	.	.	PUNCT
easat-7157	616	1	https://doi.org/10.17705/1pais.14504	https://doi.org/10.17705/1pais.14504	VERB
easat-7157	617	1	[	[	NOUN
easat-7157	617	2	52	52	NUM
easat-7157	617	3	]	]	PUNCT
easat-7157	617	4	e.	e.	PROPN
easat-7157	617	5	h.	h.	PROPN
easat-7157	617	6	a.	a.	PROPN
easat-7157	617	7	qahtani	qahtani	PROPN
easat-7157	617	8	and	and	CCONJ
easat-7157	617	9	m.	m.	PROPN
easat-7157	617	10	a.	a.	PROPN
easat-7157	617	11	alsmairat	alsmairat	PROPN
easat-7157	617	12	,	,	PUNCT
easat-7157	617	13	"	"	PUNCT
easat-7157	617	14	assisting	assist	VERB
easat-7157	617	15	artificial	artificial	ADJ
easat-7157	617	16	intelligence	intelligence	NOUN
easat-7157	617	17	adoption	adoption	NOUN
easat-7157	617	18	drivers	driver	NOUN
easat-7157	617	19	in	in	ADP
easat-7157	617	20	human	human	ADJ
easat-7157	617	21	resources	resource	NOUN
easat-7157	617	22	management	management	NOUN
easat-7157	617	23	:	:	PUNCT
easat-7157	617	24	a	a	DET
easat-7157	617	25	mediation	mediation	NOUN
easat-7157	617	26	model	model	NOUN
easat-7157	617	27	,	,	PUNCT
easat-7157	617	28	"	"	PUNCT
easat-7157	617	29	acta	acta	PROPN
easat-7157	617	30	logistica	logistica	PROPN
easat-7157	617	31	,	,	PUNCT
easat-7157	617	32	vol	vol	NOUN
easat-7157	617	33	.	.	PROPN
easat-7157	617	34	10	10	NUM
easat-7157	617	35	,	,	PUNCT
easat-7157	617	36	no	no	INTJ
easat-7157	617	37	.	.	NOUN
easat-7157	617	38	1	1	NUM
easat-7157	617	39	,	,	PUNCT
easat-7157	617	40	pp	pp	ADJ
easat-7157	617	41	.	.	PUNCT
easat-7157	617	42	141	141	NUM
easat-7157	617	43	-	-	SYM
easat-7157	617	44	150	150	NUM
easat-7157	617	45	,	,	PUNCT
easat-7157	617	46	2023	2023	NUM
easat-7157	617	47	.	.	PUNCT
easat-7157	618	1	https://doi.org/10.22306/al.v10i1.371	https://doi.org/10.22306/al.v10i1.371	PROPN
easat-7157	619	1	[	[	X
easat-7157	619	2	53	53	NUM
easat-7157	619	3	]	]	PUNCT
easat-7157	619	4	s.	s.	PROPN
easat-7157	619	5	chatterjee	chatterjee	PROPN
easat-7157	619	6	,	,	PUNCT
easat-7157	619	7	n.	n.	PROPN
easat-7157	619	8	p.	p.	PROPN
easat-7157	619	9	rana	rana	PROPN
easat-7157	619	10	,	,	PUNCT
easat-7157	619	11	y.	y.	PROPN
easat-7157	619	12	k.	k.	PROPN
easat-7157	619	13	dwivedi	dwivedi	PROPN
easat-7157	619	14	,	,	PUNCT
easat-7157	619	15	and	and	CCONJ
easat-7157	619	16	a.	a.	NOUN
easat-7157	619	17	m.	m.	PROPN
easat-7157	619	18	baabdullah	baabdullah	PROPN
easat-7157	619	19	,	,	PUNCT
easat-7157	619	20	"	"	PUNCT
easat-7157	619	21	understanding	understand	VERB
easat-7157	619	22	ai	ai	VERB
easat-7157	619	23	adoption	adoption	NOUN
easat-7157	619	24	in	in	ADP
easat-7157	619	25	manufacturing	manufacturing	NOUN
easat-7157	619	26	and	and	CCONJ
easat-7157	619	27	production	production	NOUN
easat-7157	619	28	firms	firm	NOUN
easat-7157	619	29	using	use	VERB
easat-7157	619	30	an	an	DET
easat-7157	619	31	integrated	integrate	VERB
easat-7157	619	32	tam	tam	NOUN
easat-7157	619	33	-	-	ADJ
easat-7157	619	34	toe	toe	NOUN
easat-7157	619	35	model	model	NOUN
easat-7157	619	36	,	,	PUNCT
easat-7157	619	37	"	"	PUNCT
easat-7157	619	38	technological	technological	ADJ
easat-7157	619	39	forecasting	forecasting	NOUN
easat-7157	619	40	and	and	CCONJ
easat-7157	619	41	social	social	ADJ
easat-7157	619	42	change	change	NOUN
easat-7157	619	43	,	,	PUNCT
easat-7157	619	44	vol	vol	NOUN
easat-7157	619	45	.	.	PROPN
easat-7157	619	46	170	170	NUM
easat-7157	619	47	,	,	PUNCT
easat-7157	619	48	p.	p.	NOUN
easat-7157	619	49	120880	120880	NUM
easat-7157	619	50	,	,	PUNCT
easat-7157	619	51	2021	2021	NUM
easat-7157	619	52	.	.	PUNCT
easat-7157	620	1	https://doi.org/10.1016/j.techfore.2021.120880	https://doi.org/10.1016/j.techfore.2021.120880	ADJ
easat-7157	620	2	[	[	X
easat-7157	620	3	54	54	NUM
easat-7157	620	4	]	]	PUNCT
easat-7157	620	5	j.	j.	PROPN
easat-7157	620	6	jöhnk	jöhnk	PROPN
easat-7157	620	7	,	,	PUNCT
easat-7157	620	8	m.	m.	NOUN
easat-7157	620	9	weißert	weißert	PROPN
easat-7157	620	10	,	,	PUNCT
easat-7157	620	11	and	and	CCONJ
easat-7157	620	12	k.	k.	PROPN
easat-7157	620	13	wyrtki	wyrtki	PROPN
easat-7157	620	14	,	,	PUNCT
easat-7157	620	15	"	"	PUNCT
easat-7157	620	16	ready	ready	ADJ
easat-7157	620	17	or	or	CCONJ
easat-7157	620	18	not	not	PART
easat-7157	620	19	,	,	PUNCT
easat-7157	620	20	ai	ai	VERB
easat-7157	620	21	comes	come	NOUN
easat-7157	620	22	—	—	PUNCT
easat-7157	620	23	an	an	DET
easat-7157	620	24	interview	interview	NOUN
easat-7157	620	25	study	study	NOUN
easat-7157	620	26	of	of	ADP
easat-7157	620	27	organizational	organizational	ADJ
easat-7157	620	28	ai	ai	ADJ
easat-7157	620	29	readiness	readiness	NOUN
easat-7157	620	30	factors	factor	NOUN
easat-7157	620	31	,	,	PUNCT
easat-7157	620	32	"	"	PUNCT
easat-7157	620	33	business	business	NOUN
easat-7157	620	34	&	&	CCONJ
easat-7157	620	35	information	information	NOUN
easat-7157	620	36	systems	system	NOUN
easat-7157	620	37	engineering	engineering	NOUN
easat-7157	620	38	,	,	PUNCT
easat-7157	620	39	vol	vol	NOUN
easat-7157	620	40	.	.	PROPN
easat-7157	620	41	63	63	NUM
easat-7157	620	42	,	,	PUNCT
easat-7157	620	43	no	no	INTJ
easat-7157	620	44	.	.	NOUN
easat-7157	620	45	1	1	NUM
easat-7157	620	46	,	,	PUNCT
easat-7157	620	47	pp	pp	ADJ
easat-7157	620	48	.	.	PUNCT
easat-7157	621	1	5	5	NUM
easat-7157	621	2	-	-	SYM
easat-7157	621	3	20	20	NUM
easat-7157	621	4	,	,	PUNCT
easat-7157	621	5	2021	2021	NUM
easat-7157	621	6	.	.	PUNCT
easat-7157	622	1	https://doi.org/10.1007/s12599020-00676-7	https://doi.org/10.1007/s12599020-00676-7	NOUN
easat-7157	623	1	[	[	X
easat-7157	623	2	55	55	NUM
easat-7157	623	3	]	]	PUNCT
easat-7157	623	4	h.	h.	PROPN
easat-7157	623	5	issa	issa	PROPN
easat-7157	623	6	,	,	PUNCT
easat-7157	623	7	r.	r.	PROPN
easat-7157	623	8	jabbouri	jabbouri	PROPN
easat-7157	623	9	,	,	PUNCT
easat-7157	623	10	and	and	CCONJ
easat-7157	623	11	m.	m.	NOUN
easat-7157	623	12	palmer	palmer	PROPN
easat-7157	623	13	,	,	PUNCT
easat-7157	623	14	"	"	PUNCT
easat-7157	623	15	an	an	DET
easat-7157	623	16	artificial	artificial	ADJ
easat-7157	623	17	intelligence	intelligence	NOUN
easat-7157	623	18	(	(	PUNCT
easat-7157	623	19	ai)-readiness	ai)-readiness	NOUN
easat-7157	623	20	and	and	CCONJ
easat-7157	623	21	adoption	adoption	NOUN
easat-7157	623	22	framework	framework	NOUN
easat-7157	623	23	for	for	ADP
easat-7157	623	24	agritech	agritech	NOUN
easat-7157	623	25	firms	firm	NOUN
easat-7157	623	26	,	,	PUNCT
easat-7157	623	27	"	"	PUNCT
easat-7157	623	28	technological	technological	ADJ
easat-7157	623	29	forecasting	forecasting	NOUN
easat-7157	623	30	and	and	CCONJ
easat-7157	623	31	social	social	ADJ
easat-7157	623	32	change	change	NOUN
easat-7157	623	33	,	,	PUNCT
easat-7157	623	34	vol	vol	NOUN
easat-7157	623	35	.	.	PROPN
easat-7157	623	36	182	182	NUM
easat-7157	623	37	,	,	PUNCT
easat-7157	623	38	p.	p.	NOUN
easat-7157	623	39	121874	121874	NUM
easat-7157	623	40	,	,	PUNCT
easat-7157	623	41	2022	2022	NUM
easat-7157	623	42	.	.	PUNCT
easat-7157	624	1	https://doi.org/10.1016/j.techfore.2022.121874	https://doi.org/10.1016/j.techfore.2022.121874	PUNCT
easat-7157	625	1	[	[	X
easat-7157	625	2	56	56	NUM
easat-7157	625	3	]	]	PUNCT
easat-7157	625	4	m.	m.	NOUN
easat-7157	625	5	cubric	cubric	NOUN
easat-7157	625	6	,	,	PUNCT
easat-7157	625	7	"	"	PUNCT
easat-7157	625	8	drivers	driver	NOUN
easat-7157	625	9	,	,	PUNCT
easat-7157	625	10	barriers	barrier	NOUN
easat-7157	625	11	and	and	CCONJ
easat-7157	625	12	social	social	ADJ
easat-7157	625	13	considerations	consideration	NOUN
easat-7157	625	14	for	for	ADP
easat-7157	625	15	ai	ai	PRON
easat-7157	625	16	adoption	adoption	NOUN
easat-7157	625	17	in	in	ADP
easat-7157	625	18	business	business	NOUN
easat-7157	625	19	and	and	CCONJ
easat-7157	625	20	management	management	NOUN
easat-7157	625	21	:	:	PUNCT
easat-7157	625	22	a	a	DET
easat-7157	625	23	tertiary	tertiary	ADJ
easat-7157	625	24	study	study	NOUN
easat-7157	625	25	,	,	PUNCT
easat-7157	625	26	"	"	PUNCT
easat-7157	625	27	technology	technology	NOUN
easat-7157	625	28	in	in	ADP
easat-7157	625	29	society	society	NOUN
easat-7157	625	30	,	,	PUNCT
easat-7157	625	31	vol	vol	NOUN
easat-7157	625	32	.	.	PROPN
easat-7157	625	33	62	62	NUM
easat-7157	625	34	,	,	PUNCT
easat-7157	625	35	p.	p.	NOUN
easat-7157	625	36	101257	101257	NUM
easat-7157	625	37	,	,	PUNCT
easat-7157	625	38	2020	2020	NUM
easat-7157	625	39	.	.	PUNCT
easat-7157	626	1	https://doi.org/10.1016/j.techsoc.2020.101257	https://doi.org/10.1016/j.techsoc.2020.101257	NOUN
easat-7157	626	2	[	[	X
easat-7157	626	3	57	57	NUM
easat-7157	626	4	]	]	X
easat-7157	626	5	d.	d.	PROPN
easat-7157	626	6	gursoy	gursoy	PROPN
easat-7157	626	7	,	,	PUNCT
easat-7157	626	8	o.	o.	PROPN
easat-7157	626	9	h.	h.	PROPN
easat-7157	626	10	chi	chi	PROPN
easat-7157	626	11	,	,	PUNCT
easat-7157	626	12	l.	l.	PROPN
easat-7157	626	13	lu	lu	PROPN
easat-7157	626	14	,	,	PUNCT
easat-7157	626	15	and	and	CCONJ
easat-7157	626	16	r.	r.	PROPN
easat-7157	626	17	nunkoo	nunkoo	PROPN
easat-7157	626	18	,	,	PUNCT
easat-7157	626	19	"	"	PUNCT
easat-7157	626	20	consumers	consumer	NOUN
easat-7157	626	21	acceptance	acceptance	NOUN
easat-7157	626	22	of	of	ADP
easat-7157	626	23	artificially	artificially	ADV
easat-7157	626	24	intelligent	intelligent	ADJ
easat-7157	626	25	(	(	PUNCT
easat-7157	626	26	ai	ai	NOUN
easat-7157	626	27	)	)	PUNCT
easat-7157	626	28	device	device	NOUN
easat-7157	626	29	use	use	NOUN
easat-7157	626	30	in	in	ADP
easat-7157	626	31	service	service	NOUN
easat-7157	626	32	delivery	delivery	NOUN
easat-7157	626	33	,	,	PUNCT
easat-7157	626	34	"	"	PUNCT
easat-7157	626	35	international	international	ADJ
easat-7157	626	36	journal	journal	NOUN
easat-7157	626	37	of	of	ADP
easat-7157	626	38	information	information	NOUN
easat-7157	626	39	management	management	NOUN
easat-7157	626	40	,	,	PUNCT
easat-7157	626	41	vol	vol	NOUN
easat-7157	626	42	.	.	PROPN
easat-7157	626	43	49	49	NUM
easat-7157	626	44	,	,	PUNCT
easat-7157	626	45	pp	pp	ADJ
easat-7157	626	46	.	.	PUNCT
easat-7157	627	1	157	157	NUM
easat-7157	627	2	-	-	SYM
easat-7157	627	3	169	169	NUM
easat-7157	627	4	,	,	PUNCT
easat-7157	627	5	2019	2019	NUM
easat-7157	627	6	.	.	PUNCT
easat-7157	628	1	https://doi.org/10.1016/j.ijinfomgt.2019.03.008	https://doi.org/10.1016/j.ijinfomgt.2019.03.008	NOUN
easat-7157	629	1	[	[	X
easat-7157	629	2	58	58	NUM
easat-7157	629	3	]	]	X
easat-7157	629	4	m.	m.	NOUN
easat-7157	629	5	cheng	cheng	PROPN
easat-7157	629	6	,	,	PUNCT
easat-7157	629	7	x.	x.	PROPN
easat-7157	629	8	li	li	PROPN
easat-7157	629	9	,	,	PUNCT
easat-7157	629	10	and	and	CCONJ
easat-7157	629	11	j.	j.	PROPN
easat-7157	629	12	xu	xu	PROPN
easat-7157	629	13	,	,	PUNCT
easat-7157	629	14	"	"	PUNCT
easat-7157	629	15	promoting	promote	VERB
easat-7157	629	16	healthcare	healthcare	NOUN
easat-7157	629	17	workers	worker	NOUN
easat-7157	629	18	’	’	PART
easat-7157	629	19	adoption	adoption	NOUN
easat-7157	629	20	intention	intention	NOUN
easat-7157	629	21	of	of	ADP
easat-7157	629	22	artificial	artificial	ADJ
easat-7157	629	23	-	-	PUNCT
easat-7157	629	24	intelligence	intelligence	NOUN
easat-7157	629	25	-	-	PUNCT
easat-7157	629	26	assisted	assist	VERB
easat-7157	629	27	diagnosis	diagnosis	NOUN
easat-7157	629	28	and	and	CCONJ
easat-7157	629	29	treatment	treatment	NOUN
easat-7157	629	30	:	:	PUNCT
easat-7157	629	31	the	the	DET
easat-7157	629	32	chain	chain	NOUN
easat-7157	629	33	mediation	mediation	NOUN
easat-7157	629	34	of	of	ADP
easat-7157	629	35	social	social	ADJ
easat-7157	629	36	influence	influence	NOUN
easat-7157	629	37	and	and	CCONJ
easat-7157	629	38	human	human	ADJ
easat-7157	629	39	–	–	PUNCT
easat-7157	629	40	computer	computer	NOUN
easat-7157	629	41	trust	trust	NOUN
easat-7157	629	42	,	,	PUNCT
easat-7157	629	43	"	"	PUNCT
easat-7157	629	44	international	international	ADJ
easat-7157	629	45	journal	journal	NOUN
easat-7157	629	46	of	of	ADP
easat-7157	629	47	environmental	environmental	ADJ
easat-7157	629	48	research	research	NOUN
easat-7157	629	49	and	and	CCONJ
easat-7157	629	50	public	public	ADJ
easat-7157	629	51	health	health	NOUN
easat-7157	629	52	,	,	PUNCT
easat-7157	629	53	vol	vol	NOUN
easat-7157	629	54	.	.	PROPN
easat-7157	629	55	19	19	NUM
easat-7157	629	56	,	,	PUNCT
easat-7157	629	57	no	no	INTJ
easat-7157	629	58	.	.	NOUN
easat-7157	629	59	20	20	NUM
easat-7157	629	60	,	,	PUNCT
easat-7157	629	61	p.	p.	NOUN
easat-7157	629	62	13311	13311	NUM
easat-7157	629	63	,	,	PUNCT
easat-7157	629	64	2022	2022	NUM
easat-7157	629	65	.	.	PUNCT
easat-7157	630	1	https://doi.org/10.3390/ijerph192013311	https://doi.org/10.3390/ijerph192013311	NOUN
easat-7157	630	2	[	[	X
easat-7157	630	3	59	59	NUM
easat-7157	630	4	]	]	PUNCT
easat-7157	630	5	s.	s.	PROPN
easat-7157	630	6	schuetz	schuetz	PROPN
easat-7157	630	7	and	and	CCONJ
easat-7157	630	8	v.	v.	ADP
easat-7157	630	9	venkatesh	venkatesh	NOUN
easat-7157	630	10	,	,	PUNCT
easat-7157	630	11	"	"	PUNCT
easat-7157	630	12	blockchain	blockchain	NOUN
easat-7157	630	13	,	,	PUNCT
easat-7157	630	14	adoption	adoption	NOUN
easat-7157	630	15	,	,	PUNCT
easat-7157	630	16	and	and	CCONJ
easat-7157	630	17	financial	financial	ADJ
easat-7157	630	18	inclusion	inclusion	NOUN
easat-7157	630	19	in	in	ADP
easat-7157	630	20	india	india	PROPN
easat-7157	630	21	:	:	PUNCT
easat-7157	630	22	research	research	NOUN
easat-7157	630	23	opportunities	opportunity	NOUN
easat-7157	630	24	,	,	PUNCT
easat-7157	630	25	"	"	PUNCT
easat-7157	630	26	international	international	ADJ
easat-7157	630	27	journal	journal	NOUN
easat-7157	630	28	of	of	ADP
easat-7157	630	29	information	information	NOUN
easat-7157	630	30	management	management	NOUN
easat-7157	630	31	,	,	PUNCT
easat-7157	630	32	vol	vol	NOUN
easat-7157	630	33	.	.	PROPN
easat-7157	630	34	52	52	NUM
easat-7157	630	35	,	,	PUNCT
easat-7157	630	36	p.	p.	NOUN
easat-7157	630	37	101936	101936	NUM
easat-7157	630	38	,	,	PUNCT
easat-7157	630	39	2020	2020	NUM
easat-7157	630	40	.	.	PUNCT
easat-7157	631	1	https://doi.org/10.1016/j.ijinfomgt.2019.04.009	https://doi.org/10.1016/j.ijinfomgt.2019.04.009	PROPN
easat-7157	631	2	https://doi.org/10.3390/a16080363	https://doi.org/10.3390/a16080363	NUM
easat-7157	631	3	https://doi.org/10.1108/dprg-09-2021-0111	https://doi.org/10.1108/dprg-09-2021-0111	NOUN
easat-7157	631	4	https://doi.org/10.1016/j.ijinfomgt.2020.102118	https://doi.org/10.1016/j.ijinfomgt.2020.102118	ADJ
easat-7157	631	5	https://doi.org/10.1108/ijlm-06-2017-0153	https://doi.org/10.1108/ijlm-06-2017-0153	NOUN
easat-7157	631	6	https://doi.org/10.28945/5188	https://doi.org/10.28945/5188	NOUN
easat-7157	631	7	https://doi.org/10.1016/j.joitmc.2023.100111	https://doi.org/10.1016/j.joitmc.2023.100111	ADJ
easat-7157	631	8	https://doi.org/10.1016/j.techsoc.2021.101737	https://doi.org/10.1016/j.techsoc.2021.101737	NOUN
easat-7157	631	9	https://doi.org/10.2478/jcbtp-2019-0002	https://doi.org/10.2478/jcbtp-2019-0002	X
easat-7157	631	10	https://doi.org/10.2478/jcbtp-2019-0002	https://doi.org/10.2478/jcbtp-2019-0002	X
easat-7157	631	11	https://doi.org/10.1365/s43439-023-00108-8	https://doi.org/10.1365/s43439-023-00108-8	NUM
easat-7157	631	12	https://doi.org/10.1108/josm-10-2020-0378	https://doi.org/10.1108/josm-10-2020-0378	NUM
easat-7157	631	13	https://doi.org/10.1016/j.techfore.2023.122721	https://doi.org/10.1016/j.techfore.2023.122721	ADJ
easat-7157	631	14	https://doi.org/10.17705/1pais.14504	https://doi.org/10.17705/1pais.14504	PROPN
easat-7157	631	15	https://doi.org/10.22306/al.v10i1.371	https://doi.org/10.22306/al.v10i1.371	PROPN
easat-7157	631	16	https://doi.org/10.1016/j.techfore.2021.120880	https://doi.org/10.1016/j.techfore.2021.120880	ADJ
easat-7157	631	17	https://doi.org/10.1007/s12599-020-00676-7	https://doi.org/10.1007/s12599-020-00676-7	NUM
easat-7157	631	18	https://doi.org/10.1007/s12599-020-00676-7	https://doi.org/10.1007/s12599-020-00676-7	NUM
easat-7157	631	19	https://doi.org/10.1016/j.techfore.2022.121874	https://doi.org/10.1016/j.techfore.2022.121874	PROPN
easat-7157	631	20	https://doi.org/10.1016/j.techsoc.2020.101257	https://doi.org/10.1016/j.techsoc.2020.101257	PROPN
easat-7157	631	21	https://doi.org/10.1016/j.ijinfomgt.2019.03.008	https://doi.org/10.1016/j.ijinfomgt.2019.03.008	NOUN
easat-7157	631	22	https://doi.org/10.3390/ijerph192013311	https://doi.org/10.3390/ijerph192013311	PROPN
easat-7157	631	23	https://doi.org/10.1016/j.ijinfomgt.2019.04.009	https://doi.org/10.1016/j.ijinfomgt.2019.04.009	PROPN
easat-7157	631	24	1323	1323	NUM
easat-7157	631	25	edelweiss	edelweiss	PROPN
easat-7157	631	26	applied	apply	VERB
easat-7157	631	27	science	science	NOUN
easat-7157	631	28	and	and	CCONJ
easat-7157	631	29	technology	technology	NOUN
easat-7157	631	30	issn	issn	PROPN
easat-7157	631	31	:	:	PUNCT
easat-7157	631	32	2576	2576	NUM
easat-7157	631	33	-	-	SYM
easat-7157	631	34	8484	8484	NUM
easat-7157	631	35	vol	vol	NOUN
easat-7157	631	36	.	.	PROPN
easat-7157	632	1	9	9	NUM
easat-7157	632	2	,	,	PUNCT
easat-7157	632	3	no	no	INTJ
easat-7157	632	4	.	.	NOUN
easat-7157	632	5	5	5	NUM
easat-7157	632	6	:	:	SYM
easat-7157	632	7	1302	1302	NUM
easat-7157	632	8	-	-	SYM
easat-7157	632	9	1323	1323	NUM
easat-7157	632	10	,	,	PUNCT
easat-7157	632	11	2025	2025	NUM
easat-7157	632	12	doi	doi	NOUN
easat-7157	632	13	:	:	PUNCT
easat-7157	632	14	10.55214/25768484.v9i5.7157	10.55214/25768484.v9i5.7157	NUM
easat-7157	632	15	©	©	ADP
easat-7157	632	16	2025	2025	NUM
easat-7157	632	17	by	by	ADP
easat-7157	632	18	the	the	DET
easat-7157	632	19	authors	author	NOUN
easat-7157	632	20	;	;	PUNCT
easat-7157	632	21	licensee	licensee	PROPN
easat-7157	632	22	learning	learning	NOUN
easat-7157	632	23	gate	gate	NOUN
easat-7157	633	1	[	[	X
easat-7157	633	2	60	60	NUM
easat-7157	633	3	]	]	X
easat-7157	633	4	c.	c.	PROPN
easat-7157	633	5	zehri	zehri	PROPN
easat-7157	633	6	,	,	PUNCT
easat-7157	633	7	m.	m.	PROPN
easat-7157	633	8	e.	e.	PROPN
easat-7157	633	9	a.	a.	PROPN
easat-7157	633	10	bendahmane	bendahmane	PROPN
easat-7157	633	11	,	,	PUNCT
easat-7157	633	12	k.	k.	PROPN
easat-7157	633	13	amina	amina	PROPN
easat-7157	633	14	,	,	PUNCT
easat-7157	633	15	i.	i.	PROPN
easat-7157	633	16	zgarni	zgarni	PROPN
easat-7157	633	17	,	,	PUNCT
easat-7157	633	18	and	and	CCONJ
easat-7157	633	19	h.	h.	PROPN
easat-7157	633	20	sekrafi	sekrafi	PROPN
easat-7157	633	21	,	,	PUNCT
easat-7157	633	22	"	"	PUNCT
easat-7157	633	23	decent	decent	ADJ
easat-7157	633	24	work	work	NOUN
easat-7157	633	25	,	,	PUNCT
easat-7157	633	26	financial	financial	ADJ
easat-7157	633	27	inclusion	inclusion	NOUN
easat-7157	633	28	,	,	PUNCT
easat-7157	633	29	and	and	CCONJ
easat-7157	633	30	economic	economic	ADJ
easat-7157	633	31	growth	growth	NOUN
easat-7157	633	32	:	:	PUNCT
easat-7157	633	33	analysis	analysis	NOUN
easat-7157	633	34	under	under	ADP
easat-7157	633	35	the	the	DET
easat-7157	633	36	sdg	sdg	NOUN
easat-7157	633	37	8	8	NUM
easat-7157	633	38	,	,	PUNCT
easat-7157	633	39	"	"	PUNCT
easat-7157	633	40	heritage	heritage	NOUN
easat-7157	633	41	and	and	CCONJ
easat-7157	633	42	sustainable	sustainable	ADJ
easat-7157	633	43	development	development	NOUN
easat-7157	633	44	,	,	PUNCT
easat-7157	633	45	vol	vol	NOUN
easat-7157	633	46	.	.	PROPN
easat-7157	633	47	6	6	NUM
easat-7157	633	48	,	,	PUNCT
easat-7157	633	49	no	no	INTJ
easat-7157	633	50	.	.	NOUN
easat-7157	633	51	1	1	NUM
easat-7157	633	52	,	,	PUNCT
easat-7157	633	53	pp	pp	ADJ
easat-7157	633	54	.	.	PUNCT
easat-7157	633	55	197	197	NUM
easat-7157	633	56	-	-	SYM
easat-7157	633	57	218	218	NUM
easat-7157	633	58	,	,	PUNCT
easat-7157	633	59	2024	2024	NUM
easat-7157	633	60	.	.	PUNCT
easat-7157	634	1	https://doi.org/10.37868/hsd.v6i1.370	https://doi.org/10.37868/hsd.v6i1.370	PROPN
easat-7157	635	1	[	[	X
easat-7157	635	2	61	61	NUM
easat-7157	635	3	]	]	X
easat-7157	635	4	v.	v.	ADP
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easat-7157	635	6	et	et	PROPN
easat-7157	635	7	al	al	PROPN
easat-7157	635	8	.	.	PROPN
easat-7157	635	9	,	,	PUNCT
easat-7157	635	10	"	"	PUNCT
easat-7157	635	11	artificial	artificial	ADJ
easat-7157	635	12	intelligence	intelligence	NOUN
easat-7157	635	13	,	,	PUNCT
easat-7157	635	14	systemic	systemic	ADJ
easat-7157	635	15	risks	risk	NOUN
easat-7157	635	16	,	,	PUNCT
easat-7157	635	17	and	and	CCONJ
easat-7157	635	18	sustainability	sustainability	NOUN
easat-7157	635	19	,	,	PUNCT
easat-7157	635	20	"	"	PUNCT
easat-7157	635	21	technology	technology	NOUN
easat-7157	635	22	in	in	ADP
easat-7157	635	23	society	society	NOUN
easat-7157	635	24	,	,	PUNCT
easat-7157	635	25	vol	vol	NOUN
easat-7157	635	26	.	.	PROPN
easat-7157	635	27	67	67	NUM
easat-7157	635	28	,	,	PUNCT
easat-7157	635	29	p.	p.	NOUN
easat-7157	635	30	101741	101741	NUM
easat-7157	635	31	,	,	PUNCT
easat-7157	635	32	2021	2021	NUM
easat-7157	635	33	.	.	PUNCT
easat-7157	636	1	https://doi.org/10.1016/j.techsoc.2021.101741	https://doi.org/10.1016/j.techsoc.2021.101741	PROPN
easat-7157	636	2	[	[	X
easat-7157	636	3	62	62	NUM
easat-7157	636	4	]	]	PUNCT
easat-7157	636	5	b.	b.	PROPN
easat-7157	636	6	c.	c.	PROPN
easat-7157	636	7	stahl	stahl	PROPN
easat-7157	636	8	,	,	PUNCT
easat-7157	636	9	"	"	PUNCT
easat-7157	636	10	embedding	embed	VERB
easat-7157	636	11	responsibility	responsibility	NOUN
easat-7157	636	12	in	in	ADP
easat-7157	636	13	intelligent	intelligent	ADJ
easat-7157	636	14	systems	system	NOUN
easat-7157	636	15	:	:	PUNCT
easat-7157	636	16	from	from	ADP
easat-7157	636	17	ai	ai	PROPN
easat-7157	636	18	ethics	ethic	NOUN
easat-7157	636	19	to	to	PART
easat-7157	636	20	responsible	responsible	ADJ
easat-7157	636	21	ai	ai	PROPN
easat-7157	636	22	ecosystems	ecosystem	NOUN
easat-7157	636	23	,	,	PUNCT
easat-7157	636	24	"	"	PUNCT
easat-7157	636	25	scientific	scientific	ADJ
easat-7157	636	26	reports	report	NOUN
easat-7157	636	27	,	,	PUNCT
easat-7157	636	28	vol	vol	NOUN
easat-7157	636	29	.	.	PROPN
easat-7157	636	30	13	13	NUM
easat-7157	636	31	,	,	PUNCT
easat-7157	636	32	no	no	INTJ
easat-7157	636	33	.	.	NOUN
easat-7157	636	34	1	1	NUM
easat-7157	636	35	,	,	PUNCT
easat-7157	636	36	p.	p.	NOUN
easat-7157	636	37	7586	7586	NUM
easat-7157	636	38	,	,	PUNCT
easat-7157	636	39	2023	2023	NUM
easat-7157	636	40	.	.	PUNCT
easat-7157	637	1	https://doi.org/10.1038/s41598-023-34622-w	https://doi.org/10.1038/s41598-023-34622-w	PROPN
easat-7157	637	2	[	[	X
easat-7157	637	3	63	63	NUM
easat-7157	637	4	]	]	PUNCT
easat-7157	637	5	n.	n.	PROPN
easat-7157	637	6	n.	n.	PROPN
easat-7157	637	7	ridzuan	ridzuan	PROPN
easat-7157	637	8	,	,	PUNCT
easat-7157	637	9	m.	m.	PROPN
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easat-7157	637	12	m.	m.	NOUN
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easat-7157	637	14	,	,	PUNCT
easat-7157	637	15	n.	n.	PROPN
easat-7157	637	16	l.	l.	PROPN
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easat-7157	637	18	,	,	PUNCT
easat-7157	637	19	and	and	CCONJ
easat-7157	637	20	m.	m.	NOUN
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easat-7157	637	23	"	"	PUNCT
easat-7157	637	24	ai	ai	VERB
easat-7157	637	25	in	in	ADP
easat-7157	637	26	the	the	DET
easat-7157	637	27	financial	financial	ADJ
easat-7157	637	28	sector	sector	NOUN
easat-7157	637	29	:	:	PUNCT
easat-7157	637	30	the	the	DET
easat-7157	637	31	line	line	NOUN
easat-7157	637	32	between	between	ADP
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easat-7157	637	34	,	,	PUNCT
easat-7157	637	35	regulation	regulation	NOUN
easat-7157	637	36	and	and	CCONJ
easat-7157	637	37	ethical	ethical	ADJ
easat-7157	637	38	responsibility	responsibility	NOUN
easat-7157	637	39	,	,	PUNCT
easat-7157	637	40	"	"	PUNCT
easat-7157	637	41	information	information	NOUN
easat-7157	637	42	,	,	PUNCT
easat-7157	637	43	vol	vol	NOUN
easat-7157	637	44	.	.	PROPN
easat-7157	637	45	15	15	NUM
easat-7157	637	46	,	,	PUNCT
easat-7157	637	47	no	no	INTJ
easat-7157	637	48	.	.	NOUN
easat-7157	637	49	8	8	NUM
easat-7157	637	50	,	,	PUNCT
easat-7157	637	51	p.	p.	NOUN
easat-7157	637	52	432	432	NUM
easat-7157	637	53	,	,	PUNCT
easat-7157	637	54	2024	2024	NUM
easat-7157	637	55	.	.	PUNCT
easat-7157	638	1	https://doi.org/10.3390/info15080432	https://doi.org/10.3390/info15080432	PROPN
easat-7157	638	2	[	[	X
easat-7157	638	3	64	64	NUM
easat-7157	638	4	]	]	PUNCT
easat-7157	638	5	f.	f.	PROPN
easat-7157	638	6	cabiddu	cabiddu	PROPN
easat-7157	638	7	,	,	PUNCT
easat-7157	638	8	l.	l.	PROPN
easat-7157	638	9	moi	moi	PROPN
easat-7157	638	10	,	,	PUNCT
easat-7157	638	11	g.	g.	PROPN
easat-7157	638	12	patriotta	patriotta	PROPN
easat-7157	638	13	,	,	PUNCT
easat-7157	638	14	and	and	CCONJ
easat-7157	638	15	d.	d.	PROPN
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easat-7157	638	18	,	,	PUNCT
easat-7157	638	19	"	"	PUNCT
easat-7157	638	20	why	why	SCONJ
easat-7157	638	21	do	do	AUX
easat-7157	638	22	users	user	NOUN
easat-7157	638	23	trust	trust	VERB
easat-7157	638	24	algorithms	algorithm	NOUN
easat-7157	638	25	?	?	PUNCT
easat-7157	639	1	a	a	DET
easat-7157	639	2	review	review	NOUN
easat-7157	639	3	and	and	CCONJ
easat-7157	639	4	conceptualization	conceptualization	NOUN
easat-7157	639	5	of	of	ADP
easat-7157	639	6	initial	initial	ADJ
easat-7157	639	7	trust	trust	NOUN
easat-7157	639	8	and	and	CCONJ
easat-7157	639	9	trust	trust	NOUN
easat-7157	639	10	over	over	ADP
easat-7157	639	11	time	time	NOUN
easat-7157	639	12	,	,	PUNCT
easat-7157	639	13	"	"	PUNCT
easat-7157	639	14	european	european	ADJ
easat-7157	639	15	management	management	PROPN
easat-7157	639	16	journal	journal	PROPN
easat-7157	639	17	,	,	PUNCT
easat-7157	639	18	vol	vol	NOUN
easat-7157	639	19	.	.	PROPN
easat-7157	639	20	40	40	NUM
easat-7157	639	21	,	,	PUNCT
easat-7157	639	22	no	no	INTJ
easat-7157	639	23	.	.	NOUN
easat-7157	639	24	5	5	NUM
easat-7157	639	25	,	,	PUNCT
easat-7157	639	26	pp	pp	ADJ
easat-7157	639	27	.	.	PUNCT
easat-7157	640	1	685	685	NUM
easat-7157	640	2	-	-	SYM
easat-7157	640	3	706	706	NUM
easat-7157	640	4	,	,	PUNCT
easat-7157	640	5	2022	2022	NUM
easat-7157	640	6	.	.	PUNCT
easat-7157	641	1	https://doi.org/10.1016/j.emj.2022.06.001	https://doi.org/10.1016/j.emj.2022.06.001	NOUN
easat-7157	642	1	[	[	X
easat-7157	642	2	65	65	NUM
easat-7157	642	3	]	]	X
easat-7157	642	4	q.	q.	PROPN
easat-7157	642	5	yang	yang	PROPN
easat-7157	642	6	and	and	CCONJ
easat-7157	642	7	y.-c	y.-c	PROPN
easat-7157	642	8	.	.	PUNCT
easat-7157	643	1	lee	lee	PROPN
easat-7157	643	2	,	,	PUNCT
easat-7157	643	3	"	"	PUNCT
easat-7157	643	4	ethical	ethical	ADJ
easat-7157	643	5	ai	ai	VERB
easat-7157	643	6	in	in	ADP
easat-7157	643	7	financial	financial	ADJ
easat-7157	643	8	inclusion	inclusion	NOUN
easat-7157	643	9	:	:	PUNCT
easat-7157	643	10	the	the	DET
easat-7157	643	11	role	role	NOUN
easat-7157	643	12	of	of	ADP
easat-7157	643	13	algorithmic	algorithmic	ADJ
easat-7157	643	14	fairness	fairness	NOUN
easat-7157	643	15	on	on	ADP
easat-7157	643	16	user	user	NOUN
easat-7157	643	17	satisfaction	satisfaction	NOUN
easat-7157	643	18	and	and	CCONJ
easat-7157	643	19	recommendation	recommendation	NOUN
easat-7157	643	20	,	,	PUNCT
easat-7157	643	21	"	"	PUNCT
easat-7157	643	22	big	big	ADJ
easat-7157	643	23	data	datum	NOUN
easat-7157	643	24	and	and	CCONJ
easat-7157	643	25	cognitive	cognitive	ADJ
easat-7157	643	26	computing	computing	NOUN
easat-7157	643	27	,	,	PUNCT
easat-7157	643	28	vol	vol	NOUN
easat-7157	643	29	.	.	PROPN
easat-7157	643	30	8	8	NUM
easat-7157	643	31	,	,	PUNCT
easat-7157	643	32	no	no	INTJ
easat-7157	643	33	.	.	NOUN
easat-7157	643	34	9	9	NUM
easat-7157	643	35	,	,	PUNCT
easat-7157	643	36	p.	p.	NOUN
easat-7157	643	37	105	105	NUM
easat-7157	643	38	,	,	PUNCT
easat-7157	643	39	2024	2024	NUM
easat-7157	643	40	.	.	PUNCT
easat-7157	644	1	https://doi.org/10.3390/bdcc8090105	https://doi.org/10.3390/bdcc8090105	NOUN
easat-7157	645	1	[	[	X
easat-7157	645	2	66	66	NUM
easat-7157	645	3	]	]	PUNCT
easat-7157	645	4	n.	n.	PROPN
easat-7157	645	5	p.	p.	PROPN
easat-7157	645	6	rana	rana	PROPN
easat-7157	645	7	,	,	PUNCT
easat-7157	645	8	r.	r.	PROPN
easat-7157	645	9	pillai	pillai	PROPN
easat-7157	645	10	,	,	PUNCT
easat-7157	645	11	b.	b.	PROPN
easat-7157	645	12	sivathanu	sivathanu	PROPN
easat-7157	645	13	,	,	PUNCT
easat-7157	645	14	and	and	CCONJ
easat-7157	645	15	n.	n.	PROPN
easat-7157	645	16	malik	malik	PROPN
easat-7157	645	17	,	,	PUNCT
easat-7157	645	18	"	"	PUNCT
easat-7157	645	19	assessing	assess	VERB
easat-7157	645	20	the	the	DET
easat-7157	645	21	nexus	nexus	NOUN
easat-7157	645	22	of	of	ADP
easat-7157	645	23	generative	generative	ADJ
easat-7157	645	24	ai	ai	PROPN
easat-7157	645	25	adoption	adoption	NOUN
easat-7157	645	26	,	,	PUNCT
easat-7157	645	27	ethical	ethical	ADJ
easat-7157	645	28	considerations	consideration	NOUN
easat-7157	645	29	and	and	CCONJ
easat-7157	645	30	organizational	organizational	ADJ
easat-7157	645	31	performance	performance	NOUN
easat-7157	645	32	,	,	PUNCT
easat-7157	645	33	"	"	PUNCT
easat-7157	645	34	technovation	technovation	NOUN
easat-7157	645	35	,	,	PUNCT
easat-7157	645	36	vol	vol	NOUN
easat-7157	645	37	.	.	PROPN
easat-7157	645	38	135	135	NUM
easat-7157	645	39	,	,	PUNCT
easat-7157	645	40	p.	p.	NOUN
easat-7157	645	41	103064	103064	NUM
easat-7157	645	42	,	,	PUNCT
easat-7157	645	43	2024	2024	NUM
easat-7157	645	44	.	.	PUNCT
easat-7157	646	1	https://doi.org/10.1016/j.technovation.2024.103064	https://doi.org/10.1016/j.technovation.2024.103064	NOUN
easat-7157	646	2	[	[	X
easat-7157	646	3	67	67	NUM
easat-7157	646	4	]	]	PUNCT
easat-7157	646	5	k.	k.	PROPN
easat-7157	646	6	kieslich	kieslich	PROPN
easat-7157	646	7	,	,	PUNCT
easat-7157	646	8	b.	b.	PROPN
easat-7157	646	9	keller	keller	PROPN
easat-7157	646	10	,	,	PUNCT
easat-7157	646	11	and	and	CCONJ
easat-7157	646	12	c.	c.	PROPN
easat-7157	646	13	starke	starke	PROPN
easat-7157	646	14	,	,	PUNCT
easat-7157	646	15	"	"	PUNCT
easat-7157	646	16	artificial	artificial	ADJ
easat-7157	646	17	intelligence	intelligence	NOUN
easat-7157	646	18	ethics	ethic	NOUN
easat-7157	646	19	by	by	ADP
easat-7157	646	20	design	design	NOUN
easat-7157	646	21	.	.	PUNCT
easat-7157	647	1	evaluating	evaluate	VERB
easat-7157	647	2	public	public	ADJ
easat-7157	647	3	perception	perception	NOUN
easat-7157	647	4	on	on	ADP
easat-7157	647	5	the	the	DET
easat-7157	647	6	importance	importance	NOUN
easat-7157	647	7	of	of	ADP
easat-7157	647	8	ethical	ethical	ADJ
easat-7157	647	9	design	design	NOUN
easat-7157	647	10	principles	principle	NOUN
easat-7157	647	11	of	of	ADP
easat-7157	647	12	artificial	artificial	ADJ
easat-7157	647	13	intelligence	intelligence	NOUN
easat-7157	647	14	,	,	PUNCT
easat-7157	647	15	"	"	PUNCT
easat-7157	647	16	big	big	ADJ
easat-7157	647	17	data	datum	NOUN
easat-7157	647	18	&	&	CCONJ
easat-7157	647	19	society	society	NOUN
easat-7157	647	20	,	,	PUNCT
easat-7157	647	21	vol	vol	NOUN
easat-7157	647	22	.	.	PROPN
easat-7157	647	23	9	9	NUM
easat-7157	647	24	,	,	PUNCT
easat-7157	647	25	no	no	INTJ
easat-7157	647	26	.	.	NOUN
easat-7157	647	27	1	1	NUM
easat-7157	647	28	,	,	PUNCT
easat-7157	647	29	p.	p.	NOUN
easat-7157	647	30	20539517221092956	20539517221092956	NUM
easat-7157	647	31	,	,	PUNCT
easat-7157	647	32	2022	2022	NUM
easat-7157	647	33	.	.	PUNCT
easat-7157	648	1	https://doi.org/10.1177/20539517221092956	https://doi.org/10.1177/20539517221092956	X
easat-7157	649	1	[	[	X
easat-7157	649	2	68	68	NUM
easat-7157	649	3	]	]	PUNCT
easat-7157	649	4	m.	m.	NOUN
easat-7157	649	5	hassaan	hassaan	PROPN
easat-7157	649	6	,	,	PUNCT
easat-7157	649	7	z.	z.	PROPN
easat-7157	649	8	mamdouh	mamdouh	PROPN
easat-7157	649	9	,	,	PUNCT
easat-7157	649	10	and	and	CCONJ
easat-7157	649	11	w.	w.	PROPN
easat-7157	649	12	salah	salah	PROPN
easat-7157	649	13	,	,	PUNCT
easat-7157	649	14	"	"	PUNCT
easat-7157	649	15	financial	financial	ADJ
easat-7157	649	16	inclusion	inclusion	NOUN
easat-7157	649	17	disclosure	disclosure	NOUN
easat-7157	649	18	,	,	PUNCT
easat-7157	649	19	internal	internal	ADJ
easat-7157	649	20	governance	governance	NOUN
easat-7157	649	21	quality	quality	NOUN
easat-7157	649	22	,	,	PUNCT
easat-7157	649	23	and	and	CCONJ
easat-7157	649	24	bank	bank	NOUN
easat-7157	649	25	ownership	ownership	NOUN
easat-7157	649	26	structure	structure	NOUN
easat-7157	649	27	:	:	PUNCT
easat-7157	649	28	an	an	DET
easat-7157	649	29	exploratory	exploratory	ADJ
easat-7157	649	30	study	study	NOUN
easat-7157	649	31	in	in	ADP
easat-7157	649	32	egyptian	egyptian	ADJ
easat-7157	649	33	banks	bank	NOUN
easat-7157	649	34	,	,	PUNCT
easat-7157	649	35	"	"	PUNCT
easat-7157	649	36	heritage	heritage	NOUN
easat-7157	649	37	and	and	CCONJ
easat-7157	649	38	sustainable	sustainable	ADJ
easat-7157	649	39	development	development	NOUN
easat-7157	649	40	,	,	PUNCT
easat-7157	649	41	vol	vol	NOUN
easat-7157	649	42	.	.	PROPN
easat-7157	649	43	5	5	NUM
easat-7157	649	44	,	,	PUNCT
easat-7157	649	45	no	no	INTJ
easat-7157	649	46	.	.	NOUN
easat-7157	649	47	2	2	NUM
easat-7157	649	48	,	,	PUNCT
easat-7157	649	49	pp	pp	ADJ
easat-7157	649	50	.	.	PUNCT
easat-7157	650	1	159	159	NUM
easat-7157	650	2	-	-	SYM
easat-7157	650	3	174	174	NUM
easat-7157	650	4	,	,	PUNCT
easat-7157	650	5	2023	2023	NUM
easat-7157	650	6	.	.	PUNCT
easat-7157	651	1	https://doi.org/10.37868/hsd.v5i2.240	https://doi.org/10.37868/hsd.v5i2.240	PROPN
easat-7157	652	1	[	[	X
easat-7157	652	2	69	69	NUM
easat-7157	652	3	]	]	X
easat-7157	652	4	c.	c.	PROPN
easat-7157	652	5	r.	r.	PROPN
easat-7157	652	6	rogers	rogers	PROPN
easat-7157	652	7	,	,	PUNCT
easat-7157	652	8	a	a	DET
easat-7157	652	9	way	way	NOUN
easat-7157	652	10	of	of	ADP
easat-7157	652	11	being	be	AUX
easat-7157	652	12	.	.	PUNCT
easat-7157	653	1	boston	boston	PROPN
easat-7157	653	2	,	,	PUNCT
easat-7157	653	3	ma	ma	PROPN
easat-7157	653	4	:	:	PUNCT
easat-7157	653	5	houghton	houghton	PROPN
easat-7157	653	6	mifflin	mifflin	PROPN
easat-7157	653	7	,	,	PUNCT
easat-7157	653	8	1995	1995	NUM
easat-7157	653	9	.	.	PUNCT
easat-7157	654	1	[	[	X
easat-7157	654	2	70	70	NUM
easat-7157	654	3	]	]	X
easat-7157	654	4	d.	d.	PROPN
easat-7157	654	5	askarany	askarany	PROPN
easat-7157	654	6	,	,	PUNCT
easat-7157	654	7	"	"	PUNCT
easat-7157	654	8	editor	editor	NOUN
easat-7157	654	9	-	-	PUNCT
easat-7157	654	10	in	in	ADP
easat-7157	654	11	-	-	PUNCT
easat-7157	654	12	chief	chief	NOUN
easat-7157	654	13	,	,	PUNCT
easat-7157	654	14	information	information	NOUN
easat-7157	654	15	resources	resource	NOUN
easat-7157	654	16	management	management	NOUN
easat-7157	654	17	journal	journal	NOUN
easat-7157	654	18	,	,	PUNCT
easat-7157	654	19	"	"	PUNCT
easat-7157	654	20	retrieved	retrieve	VERB
easat-7157	654	21	:	:	PUNCT
easat-7157	654	22	http://ssrn.com/abstract=1370753electroniccopyavailableat:https://ssrn.com/abstract=1370753electroniccopyavai	http://ssrn.com/abstract=1370753electroniccopyavailableat:https://ssrn.com/abstract=1370753electroniccopyavai	NOUN
easat-7157	654	23	lableat	lableat	NOUN
easat-7157	654	24	:	:	PUNCT
easat-7157	654	25	https://ssrn.com	https://ssrn.com	X
easat-7157	654	26	/	/	SYM
easat-7157	654	27	abstract=1370753electroniccopyavailableat	abstract=1370753electroniccopyavailableat	NOUN
easat-7157	654	28	:	:	PUNCT
easat-7157	654	29	http://ssrn.com	http://ssrn.com	X
easat-7157	654	30	/	/	SYM
easat-7157	654	31	abstract=1370753	abstract=1370753	NOUN
easat-7157	654	32	,	,	PUNCT
easat-7157	654	33	2005	2005	NUM
easat-7157	654	34	.	.	PUNCT
easat-7157	655	1	[	[	X
easat-7157	655	2	71	71	NUM
easat-7157	655	3	]	]	X
easat-7157	655	4	l.	l.	PROPN
easat-7157	655	5	g.	g.	PROPN
easat-7157	655	6	tornatzky	tornatzky	PROPN
easat-7157	655	7	and	and	CCONJ
easat-7157	655	8	m.	m.	NOUN
easat-7157	655	9	fleischer	fleischer	PROPN
easat-7157	655	10	,	,	PUNCT
easat-7157	655	11	the	the	DET
easat-7157	655	12	processes	process	NOUN
easat-7157	655	13	of	of	ADP
easat-7157	655	14	technological	technological	ADJ
easat-7157	655	15	innovation	innovation	NOUN
easat-7157	655	16	.	.	PUNCT
easat-7157	656	1	lexington	lexington	PROPN
easat-7157	656	2	,	,	PUNCT
easat-7157	656	3	ma	ma	PROPN
easat-7157	656	4	:	:	PUNCT
easat-7157	656	5	lexington	lexington	PROPN
easat-7157	656	6	books	book	NOUN
easat-7157	656	7	,	,	PUNCT
easat-7157	656	8	1990	1990	NUM
easat-7157	656	9	.	.	PUNCT
easat-7157	657	1	[	[	X
easat-7157	657	2	72	72	NUM
easat-7157	657	3	]	]	X
easat-7157	657	4	f.	f.	PROPN
easat-7157	657	5	martínez	martínez	PROPN
easat-7157	657	6	-	-	PUNCT
easat-7157	657	7	plumed	plume	VERB
easat-7157	657	8	,	,	PUNCT
easat-7157	657	9	e.	e.	PROPN
easat-7157	657	10	gómez	gómez	PROPN
easat-7157	657	11	,	,	PUNCT
easat-7157	657	12	and	and	CCONJ
easat-7157	657	13	j.	j.	PROPN
easat-7157	657	14	hernández	hernández	PROPN
easat-7157	657	15	-	-	PUNCT
easat-7157	657	16	orallo	orallo	NOUN
easat-7157	657	17	,	,	PUNCT
easat-7157	657	18	"	"	PUNCT
easat-7157	657	19	futures	future	NOUN
easat-7157	657	20	of	of	ADP
easat-7157	657	21	artificial	artificial	ADJ
easat-7157	657	22	intelligence	intelligence	NOUN
easat-7157	657	23	through	through	ADP
easat-7157	657	24	technology	technology	NOUN
easat-7157	657	25	readiness	readiness	NOUN
easat-7157	657	26	levels	level	NOUN
easat-7157	657	27	,	,	PUNCT
easat-7157	657	28	"	"	PUNCT
easat-7157	657	29	telematics	telematic	NOUN
easat-7157	657	30	and	and	CCONJ
easat-7157	657	31	informatics	informatic	NOUN
easat-7157	657	32	,	,	PUNCT
easat-7157	657	33	vol	vol	NOUN
easat-7157	657	34	.	.	PROPN
easat-7157	657	35	58	58	NUM
easat-7157	657	36	,	,	PUNCT
easat-7157	657	37	p.	p.	NOUN
easat-7157	657	38	101525	101525	NUM
easat-7157	657	39	,	,	PUNCT
easat-7157	657	40	2021	2021	NUM
easat-7157	657	41	.	.	PUNCT
easat-7157	658	1	https://doi.org/10.1016/j.tele.2020.101525	https://doi.org/10.1016/j.tele.2020.101525	NOUN
easat-7157	659	1	[	[	X
easat-7157	659	2	73	73	NUM
easat-7157	659	3	]	]	PUNCT
easat-7157	659	4	a.	a.	PROPN
easat-7157	659	5	wael	wael	PROPN
easat-7157	659	6	al	al	PROPN
easat-7157	659	7	-	-	PUNCT
easat-7157	659	8	khatib	khatib	PROPN
easat-7157	659	9	,	,	PUNCT
easat-7157	659	10	"	"	PUNCT
easat-7157	659	11	drivers	driver	NOUN
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easat-7157	659	13	generative	generative	ADJ
easat-7157	659	14	artificial	artificial	ADJ
easat-7157	659	15	intelligence	intelligence	NOUN
easat-7157	659	16	to	to	ADP
easat-7157	659	17	fostering	foster	VERB
easat-7157	659	18	exploitative	exploitative	ADJ
easat-7157	659	19	and	and	CCONJ
easat-7157	659	20	exploratory	exploratory	ADJ
easat-7157	659	21	innovation	innovation	NOUN
easat-7157	659	22	:	:	PUNCT
easat-7157	659	23	a	a	DET
easat-7157	659	24	toe	toe	NOUN
easat-7157	659	25	framework	framework	NOUN
easat-7157	659	26	,	,	PUNCT
easat-7157	659	27	"	"	PUNCT
easat-7157	659	28	technology	technology	NOUN
easat-7157	659	29	in	in	ADP
easat-7157	659	30	society	society	NOUN
easat-7157	659	31	,	,	PUNCT
easat-7157	659	32	vol	vol	NOUN
easat-7157	659	33	.	.	PROPN
easat-7157	659	34	75	75	NUM
easat-7157	659	35	,	,	PUNCT
easat-7157	659	36	p.	p.	NOUN
easat-7157	659	37	102403	102403	NUM
easat-7157	659	38	,	,	PUNCT
easat-7157	659	39	2023	2023	NUM
easat-7157	659	40	.	.	PUNCT
easat-7157	660	1	https://doi.org/10.1016/j.techsoc.2023.102403	https://doi.org/10.1016/j.techsoc.2023.102403	NOUN
easat-7157	660	2	[	[	X
easat-7157	660	3	74	74	X
easat-7157	660	4	]	]	PUNCT
easat-7157	660	5	j.	j.	PROPN
easat-7157	660	6	khakurel	khakurel	PROPN
easat-7157	660	7	,	,	PUNCT
easat-7157	660	8	b.	b.	PROPN
easat-7157	660	9	penzenstadler	penzenstadler	PROPN
easat-7157	660	10	,	,	PUNCT
easat-7157	660	11	j.	j.	PROPN
easat-7157	660	12	porras	porras	PROPN
easat-7157	660	13	,	,	PUNCT
easat-7157	660	14	a.	a.	NOUN
easat-7157	660	15	knutas	knutas	PROPN
easat-7157	660	16	,	,	PUNCT
easat-7157	660	17	and	and	CCONJ
easat-7157	660	18	w.	w.	PROPN
easat-7157	660	19	zhang	zhang	PROPN
easat-7157	660	20	,	,	PUNCT
easat-7157	660	21	"	"	PUNCT
easat-7157	660	22	the	the	DET
easat-7157	660	23	rise	rise	NOUN
easat-7157	660	24	of	of	ADP
easat-7157	660	25	artificial	artificial	ADJ
easat-7157	660	26	intelligence	intelligence	NOUN
easat-7157	660	27	under	under	ADP
easat-7157	660	28	the	the	DET
easat-7157	660	29	lens	lens	NOUN
easat-7157	660	30	of	of	ADP
easat-7157	660	31	sustainability	sustainability	NOUN
easat-7157	660	32	,	,	PUNCT
easat-7157	660	33	"	"	PUNCT
easat-7157	660	34	technologies	technology	NOUN
easat-7157	660	35	,	,	PUNCT
easat-7157	660	36	vol	vol	NOUN
easat-7157	660	37	.	.	PROPN
easat-7157	660	38	6	6	NUM
easat-7157	660	39	,	,	PUNCT
easat-7157	660	40	no	no	INTJ
easat-7157	660	41	.	.	NOUN
easat-7157	660	42	4	4	NUM
easat-7157	660	43	,	,	PUNCT
easat-7157	660	44	p.	p.	NOUN
easat-7157	660	45	100	100	NUM
easat-7157	660	46	,	,	PUNCT
easat-7157	660	47	2018	2018	NUM
easat-7157	660	48	.	.	PUNCT
easat-7157	661	1	https://doi.org/10.3390/technologies6040100	https://doi.org/10.3390/technologies6040100	PROPN
easat-7157	662	1	[	[	X
easat-7157	662	2	75	75	NUM
easat-7157	662	3	]	]	X
easat-7157	662	4	o.	o.	PROPN
easat-7157	662	5	b.	b.	PROPN
easat-7157	662	6	adeoye	adeoye	PROPN
easat-7157	662	7	,	,	PUNCT
easat-7157	662	8	w.	w.	PROPN
easat-7157	662	9	a.	a.	PROPN
easat-7157	662	10	addy	addy	PROPN
easat-7157	662	11	,	,	PUNCT
easat-7157	662	12	a.	a.	PROPN
easat-7157	662	13	o.	o.	PROPN
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easat-7157	662	15	-	-	PUNCT
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easat-7157	662	17	,	,	PUNCT
easat-7157	662	18	o.	o.	PROPN
easat-7157	662	19	odeyemi	odeyemi	PROPN
easat-7157	662	20	,	,	PUNCT
easat-7157	662	21	c.	c.	PROPN
easat-7157	662	22	c.	c.	PROPN
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easat-7157	662	24	,	,	PUNCT
easat-7157	662	25	and	and	CCONJ
easat-7157	662	26	o.	o.	PROPN
easat-7157	662	27	c.	c.	PROPN
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easat-7157	662	30	"	"	PUNCT
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easat-7157	662	34	data	datum	NOUN
easat-7157	662	35	analytics	analytic	NOUN
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easat-7157	662	39	inclusion	inclusion	NOUN
easat-7157	662	40	in	in	ADP
easat-7157	662	41	developing	develop	VERB
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easat-7157	662	43	,	,	PUNCT
easat-7157	662	44	"	"	PUNCT
easat-7157	662	45	finance	finance	NOUN
easat-7157	662	46	&	&	CCONJ
easat-7157	662	47	accounting	accounting	PROPN
easat-7157	662	48	research	research	PROPN
easat-7157	662	49	journal	journal	PROPN
easat-7157	662	50	,	,	PUNCT
easat-7157	662	51	vol	vol	NOUN
easat-7157	662	52	.	.	PROPN
easat-7157	662	53	6	6	NUM
easat-7157	662	54	,	,	PUNCT
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easat-7157	662	57	3	3	NUM
easat-7157	662	58	,	,	PUNCT
easat-7157	662	59	pp	pp	ADJ
easat-7157	662	60	.	.	PUNCT
easat-7157	663	1	288	288	NUM
easat-7157	663	2	-	-	SYM
easat-7157	663	3	303	303	NUM
easat-7157	663	4	,	,	PUNCT
easat-7157	663	5	2024	2024	NUM
easat-7157	663	6	.	.	PUNCT
easat-7157	664	1	https://doi.org/10.51594/farj.v6i3.856	https://doi.org/10.51594/farj.v6i3.856	NOUN
easat-7157	664	2	[	[	X
easat-7157	664	3	76	76	NUM
easat-7157	664	4	]	]	X
easat-7157	664	5	m.	m.	PROPN
easat-7157	664	6	b.	b.	PROPN
easat-7157	664	7	amnas	amnas	PROPN
easat-7157	664	8	,	,	PUNCT
easat-7157	664	9	m.	m.	PROPN
easat-7157	664	10	selvam	selvam	PROPN
easat-7157	664	11	,	,	PUNCT
easat-7157	664	12	and	and	CCONJ
easat-7157	664	13	s.	s.	PROPN
easat-7157	664	14	parayitam	parayitam	PROPN
easat-7157	664	15	,	,	PUNCT
easat-7157	664	16	"	"	PUNCT
easat-7157	664	17	fintech	fintech	NOUN
easat-7157	664	18	and	and	CCONJ
easat-7157	664	19	financial	financial	ADJ
easat-7157	664	20	inclusion	inclusion	NOUN
easat-7157	664	21	:	:	PUNCT
easat-7157	664	22	exploring	explore	VERB
easat-7157	664	23	the	the	DET
easat-7157	664	24	mediating	mediate	VERB
easat-7157	664	25	role	role	NOUN
easat-7157	664	26	of	of	ADP
easat-7157	664	27	digital	digital	ADJ
easat-7157	664	28	financial	financial	ADJ
easat-7157	664	29	literacy	literacy	NOUN
easat-7157	664	30	and	and	CCONJ
easat-7157	664	31	the	the	DET
easat-7157	664	32	moderating	moderate	VERB
easat-7157	664	33	influence	influence	NOUN
easat-7157	664	34	of	of	ADP
easat-7157	664	35	perceived	perceive	VERB
easat-7157	664	36	regulatory	regulatory	ADJ
easat-7157	664	37	support	support	NOUN
easat-7157	664	38	,	,	PUNCT
easat-7157	664	39	"	"	PUNCT
easat-7157	664	40	journal	journal	NOUN
easat-7157	664	41	of	of	ADP
easat-7157	664	42	risk	risk	NOUN
easat-7157	664	43	and	and	CCONJ
easat-7157	664	44	financial	financial	ADJ
easat-7157	664	45	management	management	NOUN
easat-7157	664	46	,	,	PUNCT
easat-7157	664	47	vol	vol	NOUN
easat-7157	664	48	.	.	PROPN
easat-7157	664	49	17	17	NUM
easat-7157	664	50	,	,	PUNCT
easat-7157	664	51	no	no	INTJ
easat-7157	664	52	.	.	NOUN
easat-7157	664	53	3	3	NUM
easat-7157	664	54	,	,	PUNCT
easat-7157	664	55	p.	p.	NOUN
easat-7157	664	56	108	108	NUM
easat-7157	664	57	,	,	PUNCT
easat-7157	664	58	2024	2024	NUM
easat-7157	664	59	.	.	PUNCT
easat-7157	665	1	https://doi.org/10.3390/jrfm17030108	https://doi.org/10.3390/jrfm17030108	PROPN
easat-7157	665	2	.	.	PUNCT
easat-7157	666	1	[	[	X
easat-7157	666	2	77	77	NUM
easat-7157	666	3	]	]	PUNCT
easat-7157	666	4	m.	m.	NOUN
easat-7157	666	5	o.	o.	PROPN
easat-7157	666	6	al	al	PROPN
easat-7157	666	7	-	-	PUNCT
easat-7157	666	8	smadi	smadi	NOUN
easat-7157	666	9	,	,	PUNCT
easat-7157	666	10	"	"	PUNCT
easat-7157	666	11	examining	examine	VERB
easat-7157	666	12	the	the	DET
easat-7157	666	13	relationship	relationship	NOUN
easat-7157	666	14	between	between	ADP
easat-7157	666	15	digital	digital	ADJ
easat-7157	666	16	finance	finance	NOUN
easat-7157	666	17	and	and	CCONJ
easat-7157	666	18	financial	financial	ADJ
easat-7157	666	19	inclusion	inclusion	NOUN
easat-7157	666	20	:	:	PUNCT
easat-7157	666	21	evidence	evidence	NOUN
easat-7157	666	22	from	from	ADP
easat-7157	666	23	mena	mena	PROPN
easat-7157	666	24	countries	countries	PROPN
easat-7157	666	25	,	,	PUNCT
easat-7157	666	26	"	"	PUNCT
easat-7157	666	27	borsa	borsa	PROPN
easat-7157	666	28	istanbul	istanbul	PROPN
easat-7157	666	29	review	review	PROPN
easat-7157	666	30	,	,	PUNCT
easat-7157	666	31	vol	vol	NOUN
easat-7157	666	32	.	.	PROPN
easat-7157	666	33	23	23	NUM
easat-7157	666	34	,	,	PUNCT
easat-7157	666	35	no	no	INTJ
easat-7157	666	36	.	.	NOUN
easat-7157	666	37	2	2	NUM
easat-7157	666	38	,	,	PUNCT
easat-7157	666	39	pp	pp	ADJ
easat-7157	666	40	.	.	PUNCT
easat-7157	667	1	464	464	NUM
easat-7157	667	2	-	-	SYM
easat-7157	667	3	472	472	NUM
easat-7157	667	4	,	,	PUNCT
easat-7157	667	5	2023	2023	NUM
easat-7157	667	6	.	.	PUNCT
easat-7157	668	1	https://doi.org/10.1016/j.bir.2022.11.016	https://doi.org/10.1016/j.bir.2022.11.016	PROPN
easat-7157	668	2	.	.	PUNCT
easat-7157	669	1	[	[	X
easat-7157	669	2	78	78	NUM
easat-7157	669	3	]	]	PUNCT
easat-7157	669	4	s.	s.	PROPN
easat-7157	669	5	a.	a.	PROPN
easat-7157	669	6	apostu	apostu	PROPN
easat-7157	669	7	,	,	PUNCT
easat-7157	669	8	m.	m.	NOUN
easat-7157	669	9	panait	panait	PROPN
easat-7157	669	10	,	,	PUNCT
easat-7157	669	11	v.	v.	PROPN
easat-7157	669	12	vasile	vasile	NOUN
easat-7157	669	13	,	,	PUNCT
easat-7157	669	14	g.	g.	PROPN
easat-7157	669	15	d.	d.	PROPN
easat-7157	669	16	sharma	sharma	PROPN
easat-7157	669	17	,	,	PUNCT
easat-7157	669	18	and	and	CCONJ
easat-7157	669	19	r.	r.	PROPN
easat-7157	669	20	vasile	vasile	PROPN
easat-7157	669	21	,	,	PUNCT
easat-7157	669	22	"	"	PUNCT
easat-7157	669	23	fintechs	fintech	NOUN
easat-7157	669	24	and	and	CCONJ
easat-7157	669	25	financial	financial	ADJ
easat-7157	669	26	inclusion	inclusion	NOUN
easat-7157	669	27	—	—	PUNCT
easat-7157	669	28	balkan	balkan	ADJ
easat-7157	669	29	experience	experience	NOUN
easat-7157	669	30	:	:	PUNCT
easat-7157	669	31	digital	digital	ADJ
easat-7157	669	32	perspectives	perspective	NOUN
easat-7157	669	33	on	on	ADP
easat-7157	669	34	financial	financial	ADJ
easat-7157	669	35	markets	market	NOUN
easat-7157	669	36	,	,	PUNCT
easat-7157	669	37	"	"	PUNCT
easat-7157	669	38	the	the	DET
easat-7157	669	39	electronic	electronic	ADJ
easat-7157	669	40	journal	journal	NOUN
easat-7157	669	41	of	of	ADP
easat-7157	669	42	information	information	NOUN
easat-7157	669	43	systems	system	NOUN
easat-7157	669	44	in	in	ADP
easat-7157	669	45	developing	develop	VERB
easat-7157	669	46	countries	country	NOUN
easat-7157	669	47	,	,	PUNCT
easat-7157	669	48	vol	vol	NOUN
easat-7157	669	49	.	.	PROPN
easat-7157	669	50	89	89	NUM
easat-7157	669	51	,	,	PUNCT
easat-7157	669	52	no	no	INTJ
easat-7157	669	53	.	.	NOUN
easat-7157	669	54	2	2	NUM
easat-7157	669	55	,	,	PUNCT
easat-7157	669	56	p.	p.	NOUN
easat-7157	669	57	e12257	e12257	NOUN
easat-7157	669	58	,	,	PUNCT
easat-7157	669	59	2023	2023	NUM
easat-7157	669	60	.	.	PUNCT
easat-7157	670	1	https://doi.org/10.1002/isd2.12257	https://doi.org/10.1002/isd2.12257	NOUN
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easat-7157	670	10	https://doi.org/10.37868/hsd.v5i2.240	https://doi.org/10.37868/hsd.v5i2.240	PROPN
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easat-7157	670	12	http://ssrn.com/abstract=1370753electroniccopyavailableat:https:/ssrn.com/abstract=1370753electroniccopyavailableat:https:/ssrn.com/abstract=1370753electroniccopyavailableat:http:/ssrn.com/abstract=1370753	http://ssrn.com/abstract=1370753electroniccopyavailableat:https:/ssrn.com/abstract=1370753electroniccopyavailableat:https:/ssrn.com/abstract=1370753electroniccopyavailableat:http:/ssrn.com/abstract=1370753	VERB
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