id	sid	tid	token	lemma	pos
easat-7269	1	1	edelweiss	edelweiss	PROPN
easat-7269	1	2	applied	apply	VERB
easat-7269	1	3	science	science	NOUN
easat-7269	1	4	and	and	CCONJ
easat-7269	1	5	technology	technology	NOUN
easat-7269	1	6	issn	issn	PROPN
easat-7269	1	7	:	:	PUNCT
easat-7269	1	8	2576	2576	NUM
easat-7269	1	9	-	-	SYM
easat-7269	1	10	8484	8484	NUM
easat-7269	1	11	vol	vol	NOUN
easat-7269	1	12	.	.	PROPN
easat-7269	2	1	9	9	NUM
easat-7269	2	2	,	,	PUNCT
easat-7269	2	3	no	no	INTJ
easat-7269	2	4	.	.	NOUN
easat-7269	2	5	5	5	NUM
easat-7269	2	6	,	,	PUNCT
easat-7269	2	7	1711	1711	NUM
easat-7269	2	8	-	-	SYM
easat-7269	2	9	1721	1721	NUM
easat-7269	2	10	2025	2025	NUM
easat-7269	2	11	publisher	publisher	NOUN
easat-7269	2	12	:	:	PUNCT
easat-7269	2	13	learning	learn	VERB
easat-7269	2	14	gate	gate	NOUN
easat-7269	2	15	doi	doi	PROPN
easat-7269	2	16	:	:	PUNCT
easat-7269	2	17	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	2	18	©	©	PROPN
easat-7269	2	19	2025	2025	NUM
easat-7269	2	20	by	by	ADP
easat-7269	2	21	the	the	DET
easat-7269	2	22	authors	author	NOUN
easat-7269	2	23	;	;	PUNCT
easat-7269	2	24	licensee	licensee	PROPN
easat-7269	2	25	learning	learning	NOUN
easat-7269	2	26	gate	gate	NOUN
easat-7269	3	1	©	©	PROPN
easat-7269	3	2	2025	2025	NUM
easat-7269	3	3	by	by	ADP
easat-7269	3	4	the	the	DET
easat-7269	3	5	authors	author	NOUN
easat-7269	3	6	;	;	PUNCT
easat-7269	3	7	licensee	licensee	PROPN
easat-7269	3	8	learning	learning	NOUN
easat-7269	3	9	gate	gate	NOUN
easat-7269	3	10	history	history	NOUN
easat-7269	3	11	:	:	PUNCT
easat-7269	3	12	received	receive	VERB
easat-7269	3	13	:	:	PUNCT
easat-7269	3	14	6	6	NUM
easat-7269	3	15	february	february	NOUN
easat-7269	3	16	2025	2025	NUM
easat-7269	3	17	;	;	PUNCT
easat-7269	3	18	revised	revise	VERB
easat-7269	3	19	:	:	PUNCT
easat-7269	3	20	28	28	NUM
easat-7269	3	21	april	april	PROPN
easat-7269	3	22	2025	2025	NUM
easat-7269	3	23	;	;	PUNCT
easat-7269	3	24	accepted	accept	VERB
easat-7269	3	25	:	:	PUNCT
easat-7269	3	26	2	2	NUM
easat-7269	3	27	may	may	PROPN
easat-7269	3	28	2025	2025	NUM
easat-7269	3	29	;	;	PUNCT
easat-7269	3	30	published	publish	VERB
easat-7269	3	31	:	:	PUNCT
easat-7269	3	32	17	17	NUM
easat-7269	3	33	may	may	PROPN
easat-7269	3	34	2025	2025	NUM
easat-7269	3	35	*	*	PUNCT
easat-7269	3	36	correspondence	correspondence	NOUN
easat-7269	3	37	:	:	PUNCT
easat-7269	3	38	kalybek@mail.ru	kalybek@mail.ru	ADJ
easat-7269	3	39	comparison	comparison	NOUN
easat-7269	3	40	of	of	ADP
easat-7269	3	41	innovative	innovative	ADJ
easat-7269	3	42	banking	banking	NOUN
easat-7269	3	43	market	market	NOUN
easat-7269	3	44	models	model	NOUN
easat-7269	3	45	and	and	CCONJ
easat-7269	3	46	new	new	ADJ
easat-7269	3	47	opportunities	opportunity	NOUN
easat-7269	3	48	for	for	ADP
easat-7269	3	49	sustainable	sustainable	ADJ
easat-7269	3	50	development	development	NOUN
easat-7269	3	51	between	between	ADP
easat-7269	3	52	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	3	53	and	and	CCONJ
easat-7269	3	54	china	china	PROPN
easat-7269	3	55	under	under	ADP
easat-7269	3	56	the	the	DET
easat-7269	3	57	wave	wave	NOUN
easat-7269	3	58	of	of	ADP
easat-7269	3	59	digital	digital	ADJ
easat-7269	3	60	finance	finance	NOUN
easat-7269	3	61	xiaojiao	xiaojiao	PROPN
easat-7269	3	62	wang1	wang1	PROPN
easat-7269	3	63	,	,	PUNCT
easat-7269	3	64	kalybek	kalybek	PROPN
easat-7269	3	65	zh	zh	PROPN
easat-7269	3	66	.	.	PUNCT
easat-7269	3	67	abdykadyrov1	abdykadyrov1	PROPN
easat-7269	3	68	*	*	PROPN
easat-7269	3	69	1economic	1economic	NUM
easat-7269	3	70	and	and	CCONJ
easat-7269	3	71	management	management	NOUN
easat-7269	3	72	institute	institute	PROPN
easat-7269	3	73	,	,	PUNCT
easat-7269	3	74	kyrgyz	kyrgyz	PROPN
easat-7269	3	75	state	state	PROPN
easat-7269	3	76	university	university	PROPN
easat-7269	3	77	named	name	VERB
easat-7269	3	78	after	after	ADP
easat-7269	3	79	i.	i.	PROPN
easat-7269	3	80	arabaev	arabaev	PROPN
easat-7269	3	81	,	,	PUNCT
easat-7269	3	82	bishkek	bishkek	PROPN
easat-7269	3	83	,	,	PUNCT
easat-7269	3	84	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	3	85	;	;	PUNCT
easat-7269	3	86	17744935139@163.com	17744935139@163.com	NUM
easat-7269	3	87	(	(	PUNCT
easat-7269	3	88	x.w	x.w	PROPN
easat-7269	3	89	.	.	PUNCT
easat-7269	3	90	)	)	PUNCT
easat-7269	4	1	kalybek@mail.ru	kalybek@mail.ru	PROPN
easat-7269	4	2	(	(	PUNCT
easat-7269	4	3	k.z.a	k.z.a	NOUN
easat-7269	4	4	.	.	PUNCT
easat-7269	4	5	)	)	PUNCT
easat-7269	5	1	abstract	abstract	NOUN
easat-7269	5	2	:	:	PUNCT
easat-7269	5	3	against	against	ADP
easat-7269	5	4	the	the	DET
easat-7269	5	5	backdrop	backdrop	NOUN
easat-7269	5	6	of	of	ADP
easat-7269	5	7	the	the	DET
easat-7269	5	8	rapid	rapid	ADJ
easat-7269	5	9	development	development	NOUN
easat-7269	5	10	of	of	ADP
easat-7269	5	11	digital	digital	ADJ
easat-7269	5	12	finance	finance	NOUN
easat-7269	5	13	,	,	PUNCT
easat-7269	5	14	the	the	DET
easat-7269	5	15	banking	banking	NOUN
easat-7269	5	16	industries	industry	NOUN
easat-7269	5	17	of	of	ADP
easat-7269	5	18	the	the	DET
easat-7269	5	19	kyrgyz	kyrgyz	PROPN
easat-7269	5	20	republic	republic	PROPN
easat-7269	5	21	and	and	CCONJ
easat-7269	5	22	china	china	PROPN
easat-7269	5	23	face	face	VERB
easat-7269	5	24	differentiated	differentiated	ADJ
easat-7269	5	25	challenges	challenge	NOUN
easat-7269	5	26	:	:	PUNCT
easat-7269	5	27	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	5	28	is	be	AUX
easat-7269	5	29	constrained	constrain	VERB
easat-7269	5	30	by	by	ADP
easat-7269	5	31	weak	weak	ADJ
easat-7269	5	32	digital	digital	ADJ
easat-7269	5	33	infrastructure	infrastructure	NOUN
easat-7269	5	34	,	,	PUNCT
easat-7269	5	35	an	an	DET
easat-7269	5	36	outdated	outdated	ADJ
easat-7269	5	37	regulatory	regulatory	ADJ
easat-7269	5	38	framework	framework	NOUN
easat-7269	5	39	,	,	PUNCT
easat-7269	5	40	and	and	CCONJ
easat-7269	5	41	low	low	ADJ
easat-7269	5	42	coverage	coverage	NOUN
easat-7269	5	43	of	of	ADP
easat-7269	5	44	traditional	traditional	ADJ
easat-7269	5	45	banking	banking	NOUN
easat-7269	5	46	services	service	NOUN
easat-7269	5	47	,	,	PUNCT
easat-7269	5	48	while	while	SCONJ
easat-7269	5	49	china	china	PROPN
easat-7269	5	50	needs	need	VERB
easat-7269	5	51	to	to	PART
easat-7269	5	52	deal	deal	VERB
easat-7269	5	53	with	with	ADP
easat-7269	5	54	issues	issue	NOUN
easat-7269	5	55	such	such	ADJ
easat-7269	5	56	as	as	ADP
easat-7269	5	57	saturated	saturate	VERB
easat-7269	5	58	market	market	NOUN
easat-7269	5	59	competition	competition	NOUN
easat-7269	5	60	,	,	PUNCT
easat-7269	5	61	data	datum	NOUN
easat-7269	5	62	security	security	NOUN
easat-7269	5	63	risks	risk	NOUN
easat-7269	5	64	,	,	PUNCT
easat-7269	5	65	and	and	CCONJ
easat-7269	5	66	cross	cross	ADJ
easat-7269	5	67	-	-	ADJ
easat-7269	5	68	border	border	ADJ
easat-7269	5	69	payment	payment	NOUN
easat-7269	5	70	barriers	barrier	NOUN
easat-7269	5	71	.	.	PUNCT
easat-7269	6	1	through	through	ADP
easat-7269	6	2	multi	multi	ADJ
easat-7269	6	3	-	-	ADJ
easat-7269	6	4	dimensional	dimensional	ADJ
easat-7269	6	5	comparative	comparative	ADJ
easat-7269	6	6	analysis	analysis	NOUN
easat-7269	6	7	,	,	PUNCT
easat-7269	6	8	this	this	DET
easat-7269	6	9	study	study	NOUN
easat-7269	6	10	first	first	ADV
easat-7269	6	11	collects	collect	VERB
easat-7269	6	12	annual	annual	ADJ
easat-7269	6	13	reports	report	NOUN
easat-7269	6	14	of	of	ADP
easat-7269	6	15	the	the	DET
easat-7269	6	16	central	central	ADJ
easat-7269	6	17	banks	bank	NOUN
easat-7269	6	18	of	of	ADP
easat-7269	6	19	the	the	DET
easat-7269	6	20	two	two	NUM
easat-7269	6	21	countries	country	NOUN
easat-7269	6	22	and	and	CCONJ
easat-7269	6	23	world	world	PROPN
easat-7269	6	24	bank	bank	PROPN
easat-7269	6	25	data	datum	NOUN
easat-7269	6	26	from	from	ADP
easat-7269	6	27	2018	2018	NUM
easat-7269	6	28	to	to	ADP
easat-7269	6	29	2023	2023	NUM
easat-7269	6	30	,	,	PUNCT
easat-7269	6	31	and	and	CCONJ
easat-7269	6	32	quantitatively	quantitatively	ADV
easat-7269	6	33	evaluates	evaluate	VERB
easat-7269	6	34	core	core	NOUN
easat-7269	6	35	indicators	indicator	NOUN
easat-7269	6	36	such	such	ADJ
easat-7269	6	37	as	as	ADP
easat-7269	6	38	mobile	mobile	ADJ
easat-7269	6	39	payment	payment	NOUN
easat-7269	6	40	penetration	penetration	NOUN
easat-7269	6	41	rates	rate	NOUN
easat-7269	6	42	and	and	CCONJ
easat-7269	6	43	digital	digital	ADJ
easat-7269	6	44	credit	credit	NOUN
easat-7269	6	45	scales	scale	NOUN
easat-7269	6	46	;	;	PUNCT
easat-7269	6	47	secondly	secondly	ADV
easat-7269	6	48	,	,	PUNCT
easat-7269	6	49	it	it	PRON
easat-7269	6	50	selects	select	VERB
easat-7269	6	51	typical	typical	ADJ
easat-7269	6	52	institutional	institutional	ADJ
easat-7269	6	53	cases	case	NOUN
easat-7269	6	54	to	to	PART
easat-7269	6	55	deconstruct	deconstruct	VERB
easat-7269	6	56	product	product	NOUN
easat-7269	6	57	innovation	innovation	NOUN
easat-7269	6	58	models	model	NOUN
easat-7269	6	59	;	;	PUNCT
easat-7269	6	60	finally	finally	ADV
easat-7269	6	61	,	,	PUNCT
easat-7269	6	62	it	it	PRON
easat-7269	6	63	uses	use	VERB
easat-7269	6	64	the	the	DET
easat-7269	6	65	swot	swot	PROPN
easat-7269	6	66	model	model	NOUN
easat-7269	6	67	combined	combine	VERB
easat-7269	6	68	with	with	ADP
easat-7269	6	69	policy	policy	NOUN
easat-7269	6	70	text	text	NOUN
easat-7269	6	71	analysis	analysis	NOUN
easat-7269	6	72	to	to	PART
easat-7269	6	73	find	find	VERB
easat-7269	6	74	that	that	SCONJ
easat-7269	6	75	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	6	76	has	have	AUX
easat-7269	6	77	reduced	reduce	VERB
easat-7269	6	78	the	the	DET
easat-7269	6	79	access	access	NOUN
easat-7269	6	80	cost	cost	NOUN
easat-7269	6	81	of	of	ADP
easat-7269	6	82	micro	micro	NOUN
easat-7269	6	83	-	-	NOUN
easat-7269	6	84	merchants	merchant	NOUN
easat-7269	6	85	from	from	ADP
easat-7269	6	86	us$138	us$138	PROPN
easat-7269	6	87	in	in	ADP
easat-7269	6	88	2018	2018	NUM
easat-7269	6	89	to	to	ADP
easat-7269	6	90	us$36	us$36	NOUN
easat-7269	6	91	in	in	ADP
easat-7269	6	92	2023	2023	NUM
easat-7269	6	93	by	by	ADP
easat-7269	6	94	introducing	introduce	VERB
easat-7269	6	95	a	a	DET
easat-7269	6	96	qr	qr	NOUN
easat-7269	6	97	code	code	NOUN
easat-7269	6	98	payment	payment	NOUN
easat-7269	6	99	system	system	NOUN
easat-7269	6	100	,	,	PUNCT
easat-7269	6	101	and	and	CCONJ
easat-7269	6	102	the	the	DET
easat-7269	6	103	cross	cross	ADJ
easat-7269	6	104	-	-	ADJ
easat-7269	6	105	border	border	ADJ
easat-7269	6	106	remittance	remittance	NOUN
easat-7269	6	107	fee	fee	NOUN
easat-7269	6	108	has	have	AUX
easat-7269	6	109	continued	continue	VERB
easat-7269	6	110	to	to	PART
easat-7269	6	111	drop	drop	VERB
easat-7269	6	112	from	from	ADP
easat-7269	6	113	8.0	8.0	NUM
easat-7269	6	114	%	%	NOUN
easat-7269	6	115	in	in	ADP
easat-7269	6	116	q1	q1	PROPN
easat-7269	6	117	2018	2018	NUM
easat-7269	6	118	to	to	ADP
easat-7269	6	119	2.3	2.3	NUM
easat-7269	6	120	%	%	NOUN
easat-7269	6	121	in	in	ADP
easat-7269	6	122	q4	q4	PROPN
easat-7269	6	123	2023	2023	NUM
easat-7269	6	124	,	,	PUNCT
easat-7269	6	125	providing	provide	VERB
easat-7269	6	126	a	a	DET
easat-7269	6	127	reference	reference	NOUN
easat-7269	6	128	for	for	ADP
easat-7269	6	129	the	the	DET
easat-7269	6	130	sustainable	sustainable	ADJ
easat-7269	6	131	development	development	NOUN
easat-7269	6	132	of	of	ADP
easat-7269	6	133	digital	digital	ADJ
easat-7269	6	134	finance	finance	NOUN
easat-7269	6	135	along	along	ADP
easat-7269	6	136	the	the	DET
easat-7269	6	137	"	"	PUNCT
easat-7269	6	138	belt	belt	NOUN
easat-7269	6	139	and	and	CCONJ
easat-7269	6	140	road	road	NOUN
easat-7269	6	141	"	"	PUNCT
easat-7269	6	142	.	.	PUNCT
easat-7269	7	1	keywords	keyword	NOUN
easat-7269	7	2	:	:	PUNCT
easat-7269	7	3	bank	bank	NOUN
easat-7269	7	4	market	market	NOUN
easat-7269	7	5	innovation	innovation	NOUN
easat-7269	7	6	model	model	NOUN
easat-7269	7	7	,	,	PUNCT
easat-7269	7	8	multi	multi	ADJ
easat-7269	7	9	-	-	ADJ
easat-7269	7	10	dimensional	dimensional	ADJ
easat-7269	7	11	comparative	comparative	ADJ
easat-7269	7	12	analysis	analysis	NOUN
easat-7269	7	13	,	,	PUNCT
easat-7269	7	14	policy	policy	NOUN
easat-7269	7	15	text	text	NOUN
easat-7269	7	16	analysis	analysis	NOUN
easat-7269	7	17	,	,	PUNCT
easat-7269	7	18	sustainable	sustainable	ADJ
easat-7269	7	19	development	development	NOUN
easat-7269	7	20	,	,	PUNCT
easat-7269	7	21	swot	swot	PROPN
easat-7269	7	22	.	.	PUNCT
easat-7269	8	1	1	1	X
easat-7269	8	2	.	.	X
easat-7269	8	3	introduction	introduction	NOUN
easat-7269	8	4	in	in	ADP
easat-7269	8	5	the	the	DET
easat-7269	8	6	process	process	NOUN
easat-7269	8	7	of	of	ADP
easat-7269	8	8	global	global	ADJ
easat-7269	8	9	digital	digital	ADJ
easat-7269	8	10	finance	finance	NOUN
easat-7269	8	11	reshaping	reshape	VERB
easat-7269	8	12	the	the	DET
easat-7269	8	13	traditional	traditional	ADJ
easat-7269	8	14	banking	banking	NOUN
easat-7269	8	15	landscape	landscape	NOUN
easat-7269	8	16	,	,	PUNCT
easat-7269	8	17	developing	develop	VERB
easat-7269	8	18	countries	country	NOUN
easat-7269	8	19	are	be	AUX
easat-7269	8	20	facing	face	VERB
easat-7269	8	21	asymmetric	asymmetric	ADJ
easat-7269	8	22	transformation	transformation	NOUN
easat-7269	8	23	challenges	challenge	NOUN
easat-7269	8	24	.	.	PUNCT
easat-7269	9	1	as	as	ADP
easat-7269	9	2	a	a	DET
easat-7269	9	3	key	key	ADJ
easat-7269	9	4	node	node	NOUN
easat-7269	9	5	in	in	ADP
easat-7269	9	6	the	the	DET
easat-7269	9	7	central	central	ADJ
easat-7269	9	8	asian	asian	ADJ
easat-7269	9	9	economic	economic	ADJ
easat-7269	9	10	corridor	corridor	NOUN
easat-7269	9	11	,	,	PUNCT
easat-7269	9	12	the	the	DET
easat-7269	9	13	kyrgyz	kyrgyz	PROPN
easat-7269	9	14	republic	republic	PROPN
easat-7269	9	15	's	's	PART
easat-7269	9	16	financial	financial	ADJ
easat-7269	9	17	system	system	NOUN
easat-7269	9	18	is	be	AUX
easat-7269	9	19	subject	subject	ADJ
easat-7269	9	20	to	to	ADP
easat-7269	9	21	the	the	DET
easat-7269	9	22	dual	dual	ADJ
easat-7269	9	23	constraints	constraint	NOUN
easat-7269	9	24	of	of	ADP
easat-7269	9	25	geographical	geographical	ADJ
easat-7269	9	26	dispersion	dispersion	NOUN
easat-7269	9	27	and	and	CCONJ
easat-7269	9	28	insufficient	insufficient	ADJ
easat-7269	9	29	service	service	NOUN
easat-7269	9	30	radius	radius	NOUN
easat-7269	9	31	of	of	ADP
easat-7269	9	32	traditional	traditional	ADJ
easat-7269	9	33	banks	bank	NOUN
easat-7269	9	34	and	and	CCONJ
easat-7269	9	35	enterprises	enterprise	NOUN
easat-7269	9	36	.	.	PUNCT
easat-7269	10	1	rural	rural	ADJ
easat-7269	10	2	areas	area	NOUN
easat-7269	10	3	have	have	AUX
easat-7269	10	4	long	long	ADV
easat-7269	10	5	been	be	AUX
easat-7269	10	6	in	in	ADP
easat-7269	10	7	a	a	DET
easat-7269	10	8	state	state	NOUN
easat-7269	10	9	of	of	ADP
easat-7269	10	10	financial	financial	ADJ
easat-7269	10	11	capillary	capillary	ADJ
easat-7269	10	12	rupture	rupture	NOUN
easat-7269	10	13	,	,	PUNCT
easat-7269	10	14	and	and	CCONJ
easat-7269	10	15	the	the	DET
easat-7269	10	16	rapid	rapid	ADJ
easat-7269	10	17	iteration	iteration	NOUN
easat-7269	10	18	of	of	ADP
easat-7269	10	19	digital	digital	ADJ
easat-7269	10	20	technology	technology	NOUN
easat-7269	10	21	needs	need	NOUN
easat-7269	10	22	and	and	CCONJ
easat-7269	10	23	the	the	DET
easat-7269	10	24	lagging	lag	VERB
easat-7269	10	25	regulatory	regulatory	ADJ
easat-7269	10	26	framework	framework	NOUN
easat-7269	10	27	have	have	AUX
easat-7269	10	28	formed	form	VERB
easat-7269	10	29	a	a	DET
easat-7269	10	30	severe	severe	ADJ
easat-7269	10	31	tension	tension	NOUN
easat-7269	10	32	.	.	PUNCT
easat-7269	11	1	in	in	ADP
easat-7269	11	2	contrast	contrast	NOUN
easat-7269	11	3	,	,	PUNCT
easat-7269	11	4	after	after	ADP
easat-7269	11	5	completing	complete	VERB
easat-7269	11	6	the	the	DET
easat-7269	11	7	universal	universal	ADJ
easat-7269	11	8	coverage	coverage	NOUN
easat-7269	11	9	of	of	ADP
easat-7269	11	10	mobile	mobile	ADJ
easat-7269	11	11	payment	payment	NOUN
easat-7269	11	12	,	,	PUNCT
easat-7269	11	13	china	china	PROPN
easat-7269	11	14	's	's	PART
easat-7269	11	15	banking	banking	NOUN
easat-7269	11	16	industry	industry	NOUN
easat-7269	11	17	is	be	AUX
easat-7269	11	18	facing	face	VERB
easat-7269	11	19	deep	deep	ADV
easat-7269	11	20	-	-	PUNCT
easat-7269	11	21	seated	seat	VERB
easat-7269	11	22	contradictions	contradiction	NOUN
easat-7269	11	23	such	such	ADJ
easat-7269	11	24	as	as	ADP
easat-7269	11	25	diminishing	diminish	VERB
easat-7269	11	26	technological	technological	ADJ
easat-7269	11	27	dividends	dividend	NOUN
easat-7269	11	28	,	,	PUNCT
easat-7269	11	29	increasing	increase	VERB
easat-7269	11	30	complexity	complexity	NOUN
easat-7269	11	31	of	of	ADP
easat-7269	11	32	data	data	NOUN
easat-7269	11	33	governance	governance	NOUN
easat-7269	11	34	,	,	PUNCT
easat-7269	11	35	and	and	CCONJ
easat-7269	11	36	crossborder	crossborder	NOUN
easat-7269	11	37	financial	financial	ADJ
easat-7269	11	38	sovereignty	sovereignty	NOUN
easat-7269	11	39	games	game	NOUN
easat-7269	11	40	,	,	PUNCT
easat-7269	11	41	and	and	CCONJ
easat-7269	11	42	urgently	urgently	ADV
easat-7269	11	43	needs	need	VERB
easat-7269	11	44	to	to	PART
easat-7269	11	45	open	open	VERB
easat-7269	11	46	up	up	ADP
easat-7269	11	47	incremental	incremental	ADJ
easat-7269	11	48	value	value	NOUN
easat-7269	11	49	space	space	NOUN
easat-7269	11	50	in	in	ADP
easat-7269	11	51	the	the	DET
easat-7269	11	52	competition	competition	NOUN
easat-7269	11	53	of	of	ADP
easat-7269	11	54	the	the	DET
easat-7269	11	55	stock	stock	NOUN
easat-7269	11	56	market	market	NOUN
easat-7269	11	57	.	.	PUNCT
easat-7269	12	1	this	this	DET
easat-7269	12	2	misaligned	misaligned	ADJ
easat-7269	12	3	mapping	mapping	NOUN
easat-7269	12	4	of	of	ADP
easat-7269	12	5	the	the	DET
easat-7269	12	6	digital	digital	ADJ
easat-7269	12	7	financial	financial	ADJ
easat-7269	12	8	development	development	NOUN
easat-7269	12	9	stages	stage	NOUN
easat-7269	12	10	of	of	ADP
easat-7269	12	11	the	the	DET
easat-7269	12	12	northern	northern	ADJ
easat-7269	12	13	and	and	CCONJ
easat-7269	12	14	southern	southern	ADJ
easat-7269	12	15	countries	country	NOUN
easat-7269	12	16	provides	provide	VERB
easat-7269	12	17	a	a	DET
easat-7269	12	18	unique	unique	ADJ
easat-7269	12	19	observation	observation	NOUN
easat-7269	12	20	window	window	NOUN
easat-7269	12	21	for	for	ADP
easat-7269	12	22	exploring	explore	VERB
easat-7269	12	23	the	the	DET
easat-7269	12	24	transformation	transformation	NOUN
easat-7269	12	25	path	path	NOUN
easat-7269	12	26	of	of	ADP
easat-7269	12	27	late	late	ADV
easat-7269	12	28	-	-	PUNCT
easat-7269	12	29	developing	develop	VERB
easat-7269	12	30	economies	economy	NOUN
easat-7269	12	31	and	and	CCONJ
easat-7269	12	32	the	the	DET
easat-7269	12	33	breakthrough	breakthrough	ADJ
easat-7269	12	34	path	path	NOUN
easat-7269	12	35	of	of	ADP
easat-7269	12	36	mature	mature	ADJ
easat-7269	12	37	markets	market	NOUN
easat-7269	12	38	.	.	PUNCT
easat-7269	13	1	this	this	DET
easat-7269	13	2	study	study	NOUN
easat-7269	13	3	abandons	abandon	VERB
easat-7269	13	4	the	the	DET
easat-7269	13	5	traditional	traditional	ADJ
easat-7269	13	6	single	single	ADJ
easat-7269	13	7	indicator	indicator	NOUN
easat-7269	13	8	comparison	comparison	NOUN
easat-7269	13	9	paradigm	paradigm	NOUN
easat-7269	13	10	and	and	CCONJ
easat-7269	13	11	constructs	construct	VERB
easat-7269	13	12	a	a	DET
easat-7269	13	13	threedimensional	threedimensional	ADJ
easat-7269	13	14	analysis	analysis	NOUN
easat-7269	13	15	framework	framework	NOUN
easat-7269	13	16	of	of	ADP
easat-7269	13	17	"	"	PUNCT
easat-7269	13	18	technology	technology	NOUN
easat-7269	13	19	adoption	adoption	NOUN
easat-7269	13	20	-	-	PUNCT
easat-7269	13	21	institutional	institutional	ADJ
easat-7269	13	22	evolution	evolution	NOUN
easat-7269	13	23	-	-	PUNCT
easat-7269	13	24	market	market	NOUN
easat-7269	13	25	response	response	NOUN
easat-7269	13	26	"	"	PUNCT
easat-7269	13	27	.	.	PUNCT
easat-7269	14	1	by	by	ADP
easat-7269	14	2	dynamically	dynamically	ADV
easat-7269	14	3	tracking	track	VERB
easat-7269	14	4	the	the	DET
easat-7269	14	5	interactive	interactive	ADJ
easat-7269	14	6	mechanism	mechanism	NOUN
easat-7269	14	7	of	of	ADP
easat-7269	14	8	the	the	DET
easat-7269	14	9	digital	digital	ADJ
easat-7269	14	10	transformation	transformation	NOUN
easat-7269	14	11	of	of	ADP
easat-7269	14	12	the	the	DET
easat-7269	14	13	banking	banking	NOUN
easat-7269	14	14	industry	industry	NOUN
easat-7269	14	15	in	in	ADP
easat-7269	14	16	the	the	DET
easat-7269	14	17	two	two	NUM
easat-7269	14	18	countries	country	NOUN
easat-7269	14	19	,	,	PUNCT
easat-7269	14	20	it	it	PRON
easat-7269	14	21	reveals	reveal	VERB
easat-7269	14	22	the	the	DET
easat-7269	14	23	adaptive	adaptive	ADJ
easat-7269	14	24	variation	variation	NOUN
easat-7269	14	25	law	law	NOUN
easat-7269	14	26	of	of	ADP
easat-7269	14	27	digital	digital	ADJ
easat-7269	14	28	financial	financial	ADJ
easat-7269	14	29	innovation	innovation	NOUN
easat-7269	14	30	under	under	ADP
easat-7269	14	31	different	different	ADJ
easat-7269	14	32	institutional	institutional	ADJ
easat-7269	14	33	environments	environment	NOUN
easat-7269	14	34	.	.	PUNCT
easat-7269	15	1	at	at	ADP
easat-7269	15	2	the	the	DET
easat-7269	15	3	methodological	methodological	ADJ
easat-7269	15	4	level	level	NOUN
easat-7269	15	5	,	,	PUNCT
easat-7269	15	6	it	it	PRON
easat-7269	15	7	integrates	integrate	VERB
easat-7269	15	8	the	the	DET
easat-7269	15	9	semantic	semantic	ADJ
easat-7269	15	10	network	network	NOUN
easat-7269	15	11	analysis	analysis	NOUN
easat-7269	15	12	of	of	ADP
easat-7269	15	13	macro	macro	ADJ
easat-7269	15	14	policy	policy	NOUN
easat-7269	15	15	texts	text	NOUN
easat-7269	15	16	and	and	CCONJ
easat-7269	15	17	the	the	DET
easat-7269	15	18	decoding	decoding	NOUN
easat-7269	15	19	of	of	ADP
easat-7269	15	20	micro	micro	ADJ
easat-7269	15	21	institutional	institutional	ADJ
easat-7269	15	22	innovation	innovation	NOUN
easat-7269	15	23	genes	gene	NOUN
easat-7269	15	24	,	,	PUNCT
easat-7269	15	25	breaks	break	VERB
easat-7269	15	26	through	through	ADP
easat-7269	15	27	the	the	DET
easat-7269	15	28	1712	1712	NUM
easat-7269	15	29	edelweiss	edelweiss	PROPN
easat-7269	15	30	applied	apply	VERB
easat-7269	15	31	science	science	NOUN
easat-7269	15	32	and	and	CCONJ
easat-7269	15	33	technology	technology	NOUN
easat-7269	15	34	issn	issn	PROPN
easat-7269	15	35	:	:	PUNCT
easat-7269	15	36	2576	2576	NUM
easat-7269	15	37	-	-	SYM
easat-7269	15	38	8484	8484	NUM
easat-7269	15	39	vol	vol	NOUN
easat-7269	15	40	.	.	PROPN
easat-7269	16	1	9	9	NUM
easat-7269	16	2	,	,	PUNCT
easat-7269	16	3	no	no	INTJ
easat-7269	16	4	.	.	NOUN
easat-7269	16	5	5	5	NUM
easat-7269	16	6	:	:	PUNCT
easat-7269	16	7	1711	1711	NUM
easat-7269	16	8	-	-	SYM
easat-7269	16	9	1721	1721	NUM
easat-7269	16	10	,	,	PUNCT
easat-7269	16	11	2025	2025	NUM
easat-7269	16	12	doi	doi	NOUN
easat-7269	16	13	:	:	PUNCT
easat-7269	16	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	16	15	©	©	PROPN
easat-7269	16	16	2025	2025	NUM
easat-7269	16	17	by	by	ADP
easat-7269	16	18	the	the	DET
easat-7269	16	19	authors	author	NOUN
easat-7269	16	20	;	;	PUNCT
easat-7269	16	21	licensee	licensee	PROPN
easat-7269	16	22	learning	learn	VERB
easat-7269	16	23	gate	gate	NOUN
easat-7269	16	24	excessive	excessive	ADJ
easat-7269	16	25	focus	focus	NOUN
easat-7269	16	26	of	of	ADP
easat-7269	16	27	existing	exist	VERB
easat-7269	16	28	research	research	NOUN
easat-7269	16	29	on	on	ADP
easat-7269	16	30	technology	technology	NOUN
easat-7269	16	31	instrumentalism	instrumentalism	NOUN
easat-7269	16	32	,	,	PUNCT
easat-7269	16	33	incorporates	incorporate	VERB
easat-7269	16	34	non	non	ADJ
easat-7269	16	35	-	-	ADJ
easat-7269	16	36	technical	technical	ADJ
easat-7269	16	37	factors	factor	NOUN
easat-7269	16	38	such	such	ADJ
easat-7269	16	39	as	as	ADP
easat-7269	16	40	institutional	institutional	ADJ
easat-7269	16	41	flexibility	flexibility	NOUN
easat-7269	16	42	and	and	CCONJ
easat-7269	16	43	social	social	ADJ
easat-7269	16	44	capital	capital	NOUN
easat-7269	16	45	into	into	ADP
easat-7269	16	46	the	the	DET
easat-7269	16	47	analysis	analysis	NOUN
easat-7269	16	48	system	system	NOUN
easat-7269	16	49	,	,	PUNCT
easat-7269	16	50	and	and	CCONJ
easat-7269	16	51	forms	form	VERB
easat-7269	16	52	a	a	DET
easat-7269	16	53	more	more	ADV
easat-7269	16	54	explanatory	explanatory	ADJ
easat-7269	16	55	cross	cross	ADJ
easat-7269	16	56	-	-	ADJ
easat-7269	16	57	regional	regional	ADJ
easat-7269	16	58	comparative	comparative	ADJ
easat-7269	16	59	model	model	NOUN
easat-7269	16	60	.	.	PUNCT
easat-7269	17	1	the	the	DET
easat-7269	17	2	core	core	NOUN
easat-7269	17	3	innovation	innovation	NOUN
easat-7269	17	4	of	of	ADP
easat-7269	17	5	this	this	DET
easat-7269	17	6	paper	paper	NOUN
easat-7269	17	7	is	be	AUX
easat-7269	17	8	that	that	SCONJ
easat-7269	17	9	it	it	PRON
easat-7269	17	10	systematically	systematically	ADV
easat-7269	17	11	demonstrates	demonstrate	VERB
easat-7269	17	12	the	the	DET
easat-7269	17	13	feasibility	feasibility	NOUN
easat-7269	17	14	of	of	ADP
easat-7269	17	15	"	"	PUNCT
easat-7269	17	16	two	two	NUM
easat-7269	17	17	-	-	PUNCT
easat-7269	17	18	way	way	NOUN
easat-7269	17	19	collaborative	collaborative	ADJ
easat-7269	17	20	innovation	innovation	NOUN
easat-7269	17	21	"	"	PUNCT
easat-7269	17	22	in	in	ADP
easat-7269	17	23	north	north	NOUN
easat-7269	17	24	-	-	PUNCT
easat-7269	17	25	south	south	NOUN
easat-7269	17	26	financial	financial	ADJ
easat-7269	17	27	cooperation	cooperation	NOUN
easat-7269	17	28	for	for	ADP
easat-7269	17	29	the	the	DET
easat-7269	17	30	first	first	ADJ
easat-7269	17	31	time	time	NOUN
easat-7269	17	32	china	china	PROPN
easat-7269	17	33	's	's	PART
easat-7269	17	34	mature	mature	ADJ
easat-7269	17	35	financial	financial	ADJ
easat-7269	17	36	technology	technology	NOUN
easat-7269	17	37	modularization	modularization	NOUN
easat-7269	17	38	capabilities	capability	NOUN
easat-7269	17	39	and	and	CCONJ
easat-7269	17	40	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	17	41	's	's	PART
easat-7269	17	42	institutional	institutional	ADJ
easat-7269	17	43	trial	trial	NOUN
easat-7269	17	44	-	-	PUNCT
easat-7269	17	45	and	and	CCONJ
easat-7269	17	46	-	-	PUNCT
easat-7269	17	47	error	error	NOUN
easat-7269	17	48	space	space	NOUN
easat-7269	17	49	form	form	VERB
easat-7269	17	50	a	a	DET
easat-7269	17	51	complementary	complementary	ADJ
easat-7269	17	52	innovation	innovation	NOUN
easat-7269	17	53	ecosystem	ecosystem	NOUN
easat-7269	17	54	,	,	PUNCT
easat-7269	17	55	and	and	CCONJ
easat-7269	17	56	through	through	ADP
easat-7269	17	57	the	the	DET
easat-7269	17	58	design	design	NOUN
easat-7269	17	59	of	of	ADP
easat-7269	17	60	mechanisms	mechanism	NOUN
easat-7269	17	61	such	such	ADJ
easat-7269	17	62	as	as	ADP
easat-7269	17	63	digital	digital	ADJ
easat-7269	17	64	identity	identity	NOUN
easat-7269	17	65	mutual	mutual	ADJ
easat-7269	17	66	recognition	recognition	NOUN
easat-7269	17	67	and	and	CCONJ
easat-7269	17	68	regulatory	regulatory	ADJ
easat-7269	17	69	sandbox	sandbox	NOUN
easat-7269	17	70	linkage	linkage	NOUN
easat-7269	17	71	,	,	PUNCT
easat-7269	17	72	the	the	DET
easat-7269	17	73	symbiotic	symbiotic	ADJ
easat-7269	17	74	evolution	evolution	NOUN
easat-7269	17	75	of	of	ADP
easat-7269	17	76	technology	technology	NOUN
easat-7269	17	77	standard	standard	ADJ
easat-7269	17	78	output	output	NOUN
easat-7269	17	79	and	and	CCONJ
easat-7269	17	80	localized	localized	ADJ
easat-7269	17	81	knowledge	knowledge	NOUN
easat-7269	17	82	feedback	feedback	NOUN
easat-7269	17	83	is	be	AUX
easat-7269	17	84	achieved	achieve	VERB
easat-7269	17	85	.	.	PUNCT
easat-7269	18	1	this	this	DET
easat-7269	18	2	collaborative	collaborative	ADJ
easat-7269	18	3	model	model	NOUN
easat-7269	18	4	based	base	VERB
easat-7269	18	5	on	on	ADP
easat-7269	18	6	dynamic	dynamic	ADJ
easat-7269	18	7	capability	capability	NOUN
easat-7269	18	8	exchange	exchange	NOUN
easat-7269	18	9	provides	provide	VERB
easat-7269	18	10	a	a	DET
easat-7269	18	11	new	new	ADJ
easat-7269	18	12	theoretical	theoretical	ADJ
easat-7269	18	13	perspective	perspective	NOUN
easat-7269	18	14	for	for	ADP
easat-7269	18	15	solving	solve	VERB
easat-7269	18	16	the	the	DET
easat-7269	18	17	"	"	PUNCT
easat-7269	18	18	digital	digital	ADJ
easat-7269	18	19	divide	divide	ADJ
easat-7269	18	20	reinforcement	reinforcement	NOUN
easat-7269	18	21	theory	theory	NOUN
easat-7269	18	22	"	"	PUNCT
easat-7269	18	23	and	and	CCONJ
easat-7269	18	24	opens	open	VERB
easat-7269	18	25	up	up	ADP
easat-7269	18	26	a	a	DET
easat-7269	18	27	practical	practical	ADJ
easat-7269	18	28	path	path	NOUN
easat-7269	18	29	for	for	ADP
easat-7269	18	30	the	the	DET
easat-7269	18	31	deep	deep	ADJ
easat-7269	18	32	integration	integration	NOUN
easat-7269	18	33	of	of	ADP
easat-7269	18	34	heterogeneous	heterogeneous	ADJ
easat-7269	18	35	financial	financial	ADJ
easat-7269	18	36	markets	market	NOUN
easat-7269	18	37	along	along	ADP
easat-7269	18	38	the	the	DET
easat-7269	18	39	"	"	PUNCT
easat-7269	18	40	belt	belt	NOUN
easat-7269	18	41	and	and	CCONJ
easat-7269	18	42	road	road	NOUN
easat-7269	18	43	"	"	PUNCT
easat-7269	18	44	.	.	PUNCT
easat-7269	19	1	2	2	X
easat-7269	19	2	.	.	X
easat-7269	19	3	related	relate	VERB
easat-7269	19	4	work	work	NOUN
easat-7269	19	5	a	a	DET
easat-7269	19	6	large	large	ADJ
easat-7269	19	7	number	number	NOUN
easat-7269	19	8	of	of	ADP
easat-7269	19	9	scholars	scholar	NOUN
easat-7269	19	10	have	have	AUX
easat-7269	19	11	revealed	reveal	VERB
easat-7269	19	12	the	the	DET
easat-7269	19	13	complex	complex	ADJ
easat-7269	19	14	mechanism	mechanism	NOUN
easat-7269	19	15	and	and	CCONJ
easat-7269	19	16	heterogeneous	heterogeneous	ADJ
easat-7269	19	17	impact	impact	NOUN
easat-7269	19	18	of	of	ADP
easat-7269	19	19	the	the	DET
easat-7269	19	20	banking	banking	NOUN
easat-7269	19	21	market	market	NOUN
easat-7269	19	22	structure	structure	NOUN
easat-7269	19	23	on	on	ADP
easat-7269	19	24	economic	economic	ADJ
easat-7269	19	25	activities	activity	NOUN
easat-7269	19	26	from	from	ADP
easat-7269	19	27	multiple	multiple	ADJ
easat-7269	19	28	levels	level	NOUN
easat-7269	19	29	,	,	PUNCT
easat-7269	19	30	such	such	ADJ
easat-7269	19	31	as	as	ADP
easat-7269	19	32	macro	macro	ADJ
easat-7269	19	33	policy	policy	NOUN
easat-7269	19	34	transmission	transmission	NOUN
easat-7269	19	35	to	to	ADP
easat-7269	19	36	micro	micro	ADJ
easat-7269	19	37	subject	subject	PROPN
easat-7269	19	38	behavior	behavior	NOUN
easat-7269	19	39	.	.	PUNCT
easat-7269	20	1	gong	gong	PROPN
easat-7269	20	2	and	and	CCONJ
easat-7269	20	3	zhou	zhou	X
easat-7269	21	1	[	[	X
easat-7269	21	2	1	1	X
easat-7269	21	3	]	]	PUNCT
easat-7269	21	4	constructed	construct	VERB
easat-7269	21	5	a	a	DET
easat-7269	21	6	banking	banking	NOUN
easat-7269	21	7	market	market	NOUN
easat-7269	21	8	structure	structure	NOUN
easat-7269	21	9	index	index	NOUN
easat-7269	21	10	adjusted	adjust	VERB
easat-7269	21	11	for	for	ADP
easat-7269	21	12	population	population	NOUN
easat-7269	21	13	distribution	distribution	NOUN
easat-7269	21	14	based	base	VERB
easat-7269	21	15	on	on	ADP
easat-7269	21	16	the	the	DET
easat-7269	21	17	spatial	spatial	ADJ
easat-7269	21	18	distribution	distribution	NOUN
easat-7269	21	19	of	of	ADP
easat-7269	21	20	population	population	NOUN
easat-7269	21	21	and	and	CCONJ
easat-7269	21	22	commercial	commercial	ADJ
easat-7269	21	23	bank	bank	NOUN
easat-7269	21	24	branches	branch	NOUN
easat-7269	21	25	,	,	PUNCT
easat-7269	21	26	and	and	CCONJ
easat-7269	21	27	matched	match	VERB
easat-7269	21	28	it	it	PRON
easat-7269	21	29	with	with	ADP
easat-7269	21	30	the	the	DET
easat-7269	21	31	chinese	chinese	ADJ
easat-7269	21	32	household	household	NOUN
easat-7269	21	33	income	income	NOUN
easat-7269	21	34	survey	survey	NOUN
easat-7269	21	35	at	at	ADP
easat-7269	21	36	the	the	DET
easat-7269	21	37	prefecture	prefecture	NOUN
easat-7269	21	38	-	-	PUNCT
easat-7269	21	39	level	level	NOUN
easat-7269	21	40	city	city	NOUN
easat-7269	21	41	level	level	NOUN
easat-7269	21	42	,	,	PUNCT
easat-7269	21	43	and	and	CCONJ
easat-7269	21	44	empirically	empirically	ADV
easat-7269	21	45	examined	examine	VERB
easat-7269	21	46	the	the	DET
easat-7269	21	47	relationship	relationship	NOUN
easat-7269	21	48	between	between	ADP
easat-7269	21	49	regional	regional	ADJ
easat-7269	21	50	banking	banking	NOUN
easat-7269	21	51	market	market	NOUN
easat-7269	21	52	structure	structure	NOUN
easat-7269	21	53	and	and	CCONJ
easat-7269	21	54	micro	micro	ADJ
easat-7269	21	55	household	household	NOUN
easat-7269	21	56	consumption	consumption	NOUN
easat-7269	21	57	.	.	PUNCT
easat-7269	22	1	yin	yin	PROPN
easat-7269	22	2	,	,	PUNCT
easat-7269	22	3	et	et	PROPN
easat-7269	22	4	al	al	PROPN
easat-7269	22	5	.	.	PUNCT
easat-7269	23	1	[	[	X
easat-7269	23	2	2	2	NUM
easat-7269	23	3	]	]	PUNCT
easat-7269	23	4	selected	select	VERB
easat-7269	23	5	data	datum	NOUN
easat-7269	23	6	from	from	ADP
easat-7269	23	7	china	china	PROPN
easat-7269	23	8	's	's	PART
easat-7269	23	9	banking	banking	NOUN
easat-7269	23	10	industry	industry	NOUN
easat-7269	23	11	from	from	ADP
easat-7269	23	12	2008	2008	NUM
easat-7269	23	13	to	to	ADP
easat-7269	23	14	2017	2017	NUM
easat-7269	23	15	for	for	ADP
easat-7269	23	16	the	the	DET
easat-7269	23	17	purpose	purpose	NOUN
easat-7269	23	18	of	of	ADP
easat-7269	23	19	preventing	prevent	VERB
easat-7269	23	20	systemic	systemic	ADJ
easat-7269	23	21	financial	financial	ADJ
easat-7269	23	22	risks	risk	NOUN
easat-7269	23	23	,	,	PUNCT
easat-7269	23	24	and	and	CCONJ
easat-7269	23	25	through	through	ADP
easat-7269	23	26	theoretical	theoretical	ADJ
easat-7269	23	27	model	model	NOUN
easat-7269	23	28	construction	construction	NOUN
easat-7269	23	29	and	and	CCONJ
easat-7269	23	30	empirical	empirical	ADJ
easat-7269	23	31	testing	testing	NOUN
easat-7269	23	32	,	,	PUNCT
easat-7269	23	33	comprehensively	comprehensively	ADV
easat-7269	23	34	used	use	VERB
easat-7269	23	35	fixed	fix	VERB
easat-7269	23	36	effect	effect	NOUN
easat-7269	23	37	,	,	PUNCT
easat-7269	23	38	random	random	ADJ
easat-7269	23	39	effect	effect	NOUN
easat-7269	23	40	,	,	PUNCT
easat-7269	23	41	gmm	gmm	PROPN
easat-7269	23	42	estimation	estimation	NOUN
easat-7269	23	43	,	,	PUNCT
easat-7269	23	44	and	and	CCONJ
easat-7269	23	45	system	system	NOUN
easat-7269	23	46	gmm	gmm	PROPN
easat-7269	23	47	estimation	estimation	NOUN
easat-7269	23	48	model	model	NOUN
easat-7269	23	49	of	of	ADP
easat-7269	23	50	difference	difference	NOUN
easat-7269	23	51	generalized	generalize	VERB
easat-7269	23	52	moments	moment	NOUN
easat-7269	23	53	to	to	PART
easat-7269	23	54	demonstrate	demonstrate	VERB
easat-7269	23	55	the	the	DET
easat-7269	23	56	impact	impact	NOUN
easat-7269	23	57	of	of	ADP
easat-7269	23	58	banking	banking	NOUN
easat-7269	23	59	market	market	NOUN
easat-7269	23	60	structure	structure	NOUN
easat-7269	23	61	on	on	ADP
easat-7269	23	62	the	the	DET
easat-7269	23	63	risk	risk	NOUN
easat-7269	23	64	behavior	behavior	NOUN
easat-7269	23	65	of	of	ADP
easat-7269	23	66	the	the	DET
easat-7269	23	67	deposit	deposit	NOUN
easat-7269	23	68	insurance	insurance	NOUN
easat-7269	23	69	system	system	NOUN
easat-7269	23	70	.	.	PUNCT
easat-7269	24	1	cheng	cheng	PROPN
easat-7269	24	2	and	and	CCONJ
easat-7269	24	3	li	li	PROPN
easat-7269	25	1	[	[	X
easat-7269	25	2	3	3	X
easat-7269	25	3	]	]	PUNCT
easat-7269	25	4	used	use	VERB
easat-7269	25	5	the	the	DET
easat-7269	25	6	data	datum	NOUN
easat-7269	25	7	of	of	ADP
easat-7269	25	8	small	small	ADJ
easat-7269	25	9	and	and	CCONJ
easat-7269	25	10	medium	medium	ADJ
easat-7269	25	11	-	-	PUNCT
easat-7269	25	12	sized	sized	ADJ
easat-7269	25	13	listed	list	VERB
easat-7269	25	14	companies	company	NOUN
easat-7269	25	15	in	in	ADP
easat-7269	25	16	the	the	DET
easat-7269	25	17	non	non	ADJ
easat-7269	25	18	-	-	ADJ
easat-7269	25	19	financial	financial	ADJ
easat-7269	25	20	industry	industry	NOUN
easat-7269	25	21	from	from	ADP
easat-7269	25	22	2013	2013	NUM
easat-7269	25	23	to	to	ADP
easat-7269	25	24	2018	2018	NUM
easat-7269	25	25	as	as	ADP
easat-7269	25	26	samples	sample	NOUN
easat-7269	25	27	to	to	PART
easat-7269	25	28	analyze	analyze	VERB
easat-7269	25	29	the	the	DET
easat-7269	25	30	impact	impact	NOUN
easat-7269	25	31	of	of	ADP
easat-7269	25	32	banking	banking	NOUN
easat-7269	25	33	market	market	NOUN
easat-7269	25	34	competition	competition	NOUN
easat-7269	25	35	on	on	ADP
easat-7269	25	36	the	the	DET
easat-7269	25	37	risk	risk	NOUN
easat-7269	25	38	-	-	PUNCT
easat-7269	25	39	taking	taking	NOUN
easat-7269	25	40	of	of	ADP
easat-7269	25	41	small	small	ADJ
easat-7269	25	42	and	and	CCONJ
easat-7269	25	43	medium	medium	ADJ
easat-7269	25	44	-	-	PUNCT
easat-7269	25	45	sized	sized	ADJ
easat-7269	25	46	enterprises	enterprise	NOUN
easat-7269	25	47	,	,	PUNCT
easat-7269	25	48	and	and	CCONJ
easat-7269	25	49	used	use	VERB
easat-7269	25	50	a	a	DET
easat-7269	25	51	causal	causal	ADJ
easat-7269	25	52	chain	chain	NOUN
easat-7269	25	53	model	model	NOUN
easat-7269	25	54	to	to	PART
easat-7269	25	55	identify	identify	VERB
easat-7269	25	56	the	the	DET
easat-7269	25	57	transmission	transmission	NOUN
easat-7269	25	58	path	path	NOUN
easat-7269	25	59	of	of	ADP
easat-7269	25	60	corporate	corporate	ADJ
easat-7269	25	61	debt	debt	NOUN
easat-7269	25	62	financing	financing	NOUN
easat-7269	25	63	costs	cost	NOUN
easat-7269	25	64	.	.	PUNCT
easat-7269	26	1	chunzhi	chunzhi	PROPN
easat-7269	26	2	and	and	CCONJ
easat-7269	26	3	ruitong	ruitong	VERB
easat-7269	26	4	[	[	X
easat-7269	26	5	4	4	NUM
easat-7269	26	6	]	]	PUNCT
easat-7269	26	7	analyzed	analyze	VERB
easat-7269	26	8	the	the	DET
easat-7269	26	9	mechanism	mechanism	NOUN
easat-7269	26	10	by	by	ADP
easat-7269	26	11	which	which	PRON
easat-7269	26	12	the	the	DET
easat-7269	26	13	banking	banking	NOUN
easat-7269	26	14	market	market	NOUN
easat-7269	26	15	structure	structure	NOUN
easat-7269	26	16	affects	affect	VERB
easat-7269	26	17	the	the	DET
easat-7269	26	18	upgrading	upgrading	NOUN
easat-7269	26	19	of	of	ADP
easat-7269	26	20	industrial	industrial	ADJ
easat-7269	26	21	structure	structure	NOUN
easat-7269	26	22	through	through	ADP
easat-7269	26	23	the	the	DET
easat-7269	26	24	enterprise	enterprise	NOUN
easat-7269	26	25	innovation	innovation	NOUN
easat-7269	26	26	channel	channel	NOUN
easat-7269	26	27	,	,	PUNCT
easat-7269	26	28	using	use	VERB
easat-7269	26	29	data	datum	NOUN
easat-7269	26	30	from	from	ADP
easat-7269	26	31	30	30	NUM
easat-7269	26	32	provinces	province	NOUN
easat-7269	26	33	in	in	ADP
easat-7269	26	34	mainland	mainland	NOUN
easat-7269	26	35	china	china	PROPN
easat-7269	26	36	from	from	ADP
easat-7269	26	37	2005	2005	NUM
easat-7269	26	38	to	to	ADP
easat-7269	26	39	2018	2018	NUM
easat-7269	26	40	as	as	ADP
easat-7269	26	41	samples	sample	NOUN
easat-7269	26	42	and	and	CCONJ
easat-7269	26	43	using	use	VERB
easat-7269	26	44	a	a	DET
easat-7269	26	45	dynamic	dynamic	ADJ
easat-7269	26	46	spatial	spatial	ADJ
easat-7269	26	47	panel	panel	NOUN
easat-7269	26	48	model	model	NOUN
easat-7269	26	49	for	for	ADP
easat-7269	26	50	empirical	empirical	ADJ
easat-7269	26	51	testing	testing	NOUN
easat-7269	26	52	.	.	PUNCT
easat-7269	27	1	tang	tang	PROPN
easat-7269	28	1	[	[	X
easat-7269	28	2	5	5	NUM
easat-7269	28	3	]	]	PUNCT
easat-7269	28	4	found	find	VERB
easat-7269	28	5	that	that	SCONJ
easat-7269	28	6	the	the	DET
easat-7269	28	7	banking	banking	NOUN
easat-7269	28	8	market	market	NOUN
easat-7269	28	9	structure	structure	NOUN
easat-7269	28	10	affects	affect	VERB
easat-7269	28	11	the	the	DET
easat-7269	28	12	financing	financing	NOUN
easat-7269	28	13	constraints	constraint	NOUN
easat-7269	28	14	and	and	CCONJ
easat-7269	28	15	financing	financing	NOUN
easat-7269	28	16	conditions	condition	NOUN
easat-7269	28	17	of	of	ADP
easat-7269	28	18	enterprises	enterprise	NOUN
easat-7269	28	19	through	through	ADP
easat-7269	28	20	various	various	ADJ
easat-7269	28	21	mechanisms	mechanism	NOUN
easat-7269	28	22	such	such	ADJ
easat-7269	28	23	as	as	ADP
easat-7269	28	24	bank	bank	NOUN
easat-7269	28	25	market	market	NOUN
easat-7269	28	26	power	power	NOUN
easat-7269	28	27	,	,	PUNCT
easat-7269	28	28	the	the	DET
easat-7269	28	29	degree	degree	NOUN
easat-7269	28	30	of	of	ADP
easat-7269	28	31	information	information	NOUN
easat-7269	28	32	asymmetry	asymmetry	NOUN
easat-7269	28	33	in	in	ADP
easat-7269	28	34	the	the	DET
easat-7269	28	35	credit	credit	NOUN
easat-7269	28	36	market	market	NOUN
easat-7269	28	37	,	,	PUNCT
easat-7269	28	38	and	and	CCONJ
easat-7269	28	39	the	the	DET
easat-7269	28	40	establishment	establishment	NOUN
easat-7269	28	41	of	of	ADP
easat-7269	28	42	bank	bank	NOUN
easat-7269	28	43	-	-	PUNCT
easat-7269	28	44	enterprise	enterprise	NOUN
easat-7269	28	45	relationships	relationship	NOUN
easat-7269	28	46	,	,	PUNCT
easat-7269	28	47	and	and	CCONJ
easat-7269	28	48	showed	show	VERB
easat-7269	28	49	corresponding	correspond	VERB
easat-7269	28	50	real	real	ADJ
easat-7269	28	51	economic	economic	ADJ
easat-7269	28	52	consequences	consequence	NOUN
easat-7269	28	53	.	.	PUNCT
easat-7269	29	1	yudaruddin	yudaruddin	VERB
easat-7269	30	1	[	[	X
easat-7269	30	2	6	6	NUM
easat-7269	30	3	]	]	PUNCT
easat-7269	30	4	aimed	aim	VERB
easat-7269	30	5	to	to	PART
easat-7269	30	6	evaluate	evaluate	VERB
easat-7269	30	7	the	the	DET
easat-7269	30	8	effectiveness	effectiveness	NOUN
easat-7269	30	9	of	of	ADP
easat-7269	30	10	bank	bank	NOUN
easat-7269	30	11	market	market	NOUN
easat-7269	30	12	discipline	discipline	NOUN
easat-7269	30	13	on	on	ADP
easat-7269	30	14	the	the	DET
easat-7269	30	15	development	development	NOUN
easat-7269	30	16	of	of	ADP
easat-7269	30	17	fintech	fintech	NOUN
easat-7269	30	18	startups	startup	NOUN
easat-7269	30	19	.	.	PUNCT
easat-7269	31	1	asare	asare	PROPN
easat-7269	31	2	,	,	PUNCT
easat-7269	31	3	et	et	PROPN
easat-7269	31	4	al	al	PROPN
easat-7269	31	5	.	.	PUNCT
easat-7269	32	1	[	[	X
easat-7269	32	2	7	7	X
easat-7269	32	3	]	]	X
easat-7269	32	4	used	use	VERB
easat-7269	32	5	panel	panel	NOUN
easat-7269	32	6	-	-	PUNCT
easat-7269	32	7	corrected	correct	VERB
easat-7269	32	8	standard	standard	ADJ
easat-7269	32	9	error	error	NOUN
easat-7269	32	10	estimation	estimation	NOUN
easat-7269	32	11	techniques	technique	NOUN
easat-7269	32	12	to	to	PART
easat-7269	32	13	estimate	estimate	VERB
easat-7269	32	14	panel	panel	NOUN
easat-7269	32	15	regression	regression	NOUN
easat-7269	32	16	with	with	ADP
easat-7269	32	17	asset	asset	NOUN
easat-7269	32	18	quality	quality	NOUN
easat-7269	32	19	as	as	ADP
easat-7269	32	20	the	the	DET
easat-7269	32	21	dependent	dependent	ADJ
easat-7269	32	22	variable	variable	NOUN
easat-7269	32	23	,	,	PUNCT
easat-7269	32	24	examining	examine	VERB
easat-7269	32	25	the	the	DET
easat-7269	32	26	causal	causal	ADJ
easat-7269	32	27	relationship	relationship	NOUN
easat-7269	32	28	between	between	ADP
easat-7269	32	29	knowledge	knowledge	NOUN
easat-7269	32	30	capital	capital	NOUN
easat-7269	32	31	and	and	CCONJ
easat-7269	32	32	asset	asset	NOUN
easat-7269	32	33	quality	quality	NOUN
easat-7269	32	34	of	of	ADP
easat-7269	32	35	ghanaian	ghanaian	ADJ
easat-7269	32	36	banks	bank	NOUN
easat-7269	32	37	.	.	PUNCT
easat-7269	33	1	kim	kim	PROPN
easat-7269	33	2	and	and	CCONJ
easat-7269	33	3	jindabot	jindabot	PROPN
easat-7269	34	1	[	[	X
easat-7269	34	2	8	8	NUM
easat-7269	34	3	]	]	PUNCT
easat-7269	34	4	investigated	investigate	VERB
easat-7269	34	5	the	the	DET
easat-7269	34	6	determinants	determinant	NOUN
easat-7269	34	7	of	of	ADP
easat-7269	34	8	customer	customer	NOUN
easat-7269	34	9	willingness	willingness	NOUN
easat-7269	34	10	to	to	PART
easat-7269	34	11	switch	switch	VERB
easat-7269	34	12	banks	bank	NOUN
easat-7269	34	13	,	,	PUNCT
easat-7269	34	14	focusing	focus	VERB
easat-7269	34	15	on	on	ADP
easat-7269	34	16	service	service	NOUN
easat-7269	34	17	quality	quality	NOUN
easat-7269	34	18	,	,	PUNCT
easat-7269	34	19	convenience	convenience	NOUN
easat-7269	34	20	,	,	PUNCT
easat-7269	34	21	perceived	perceive	VERB
easat-7269	34	22	value	value	NOUN
easat-7269	34	23	,	,	PUNCT
easat-7269	34	24	and	and	CCONJ
easat-7269	34	25	customer	customer	NOUN
easat-7269	34	26	satisfaction	satisfaction	NOUN
easat-7269	34	27	.	.	PUNCT
easat-7269	35	1	rahmayati	rahmayati	PROPN
easat-7269	35	2	[	[	X
easat-7269	35	3	9	9	NUM
easat-7269	35	4	]	]	PUNCT
easat-7269	35	5	used	use	VERB
easat-7269	35	6	library	library	NOUN
easat-7269	35	7	research	research	NOUN
easat-7269	35	8	to	to	PART
easat-7269	35	9	collect	collect	VERB
easat-7269	35	10	data	datum	NOUN
easat-7269	35	11	using	use	VERB
easat-7269	35	12	written	write	VERB
easat-7269	35	13	materials	material	NOUN
easat-7269	35	14	in	in	ADP
easat-7269	35	15	order	order	NOUN
easat-7269	35	16	to	to	PART
easat-7269	35	17	understand	understand	VERB
easat-7269	35	18	the	the	DET
easat-7269	35	19	competitive	competitive	ADJ
easat-7269	35	20	situation	situation	NOUN
easat-7269	35	21	in	in	ADP
easat-7269	35	22	the	the	DET
easat-7269	35	23	marketing	marketing	NOUN
easat-7269	35	24	of	of	ADP
easat-7269	35	25	islamic	islamic	ADJ
easat-7269	35	26	banking	banking	NOUN
easat-7269	35	27	.	.	PUNCT
easat-7269	36	1	giddey	giddey	NOUN
easat-7269	36	2	and	and	CCONJ
easat-7269	36	3	mazbouri	mazbouri	NOUN
easat-7269	37	1	[	[	X
easat-7269	37	2	10	10	NUM
easat-7269	37	3	]	]	PUNCT
easat-7269	37	4	proposed	propose	VERB
easat-7269	37	5	a	a	DET
easat-7269	37	6	new	new	ADJ
easat-7269	37	7	statistical	statistical	ADJ
easat-7269	37	8	data	datum	NOUN
easat-7269	37	9	series	series	NOUN
easat-7269	37	10	to	to	PART
easat-7269	37	11	take	take	VERB
easat-7269	37	12	a	a	DET
easat-7269	37	13	closer	close	ADJ
easat-7269	37	14	look	look	NOUN
easat-7269	37	15	at	at	ADP
easat-7269	37	16	banks	bank	NOUN
easat-7269	37	17	that	that	PRON
easat-7269	37	18	failed	fail	VERB
easat-7269	37	19	or	or	CCONJ
easat-7269	37	20	were	be	AUX
easat-7269	37	21	acquired	acquire	VERB
easat-7269	37	22	,	,	PUNCT
easat-7269	37	23	especially	especially	ADV
easat-7269	37	24	by	by	ADP
easat-7269	37	25	observing	observe	VERB
easat-7269	37	26	their	their	PRON
easat-7269	37	27	categories	category	NOUN
easat-7269	37	28	and	and	CCONJ
easat-7269	37	29	sizes	size	NOUN
easat-7269	37	30	between	between	ADP
easat-7269	37	31	1934	1934	NUM
easat-7269	37	32	and	and	CCONJ
easat-7269	37	33	1999	1999	NUM
easat-7269	37	34	.	.	PUNCT
easat-7269	38	1	these	these	DET
easat-7269	38	2	research	research	NOUN
easat-7269	38	3	results	result	NOUN
easat-7269	38	4	mostly	mostly	ADV
easat-7269	38	5	focus	focus	VERB
easat-7269	38	6	on	on	ADP
easat-7269	38	7	static	static	ADJ
easat-7269	38	8	cross	cross	ADJ
easat-7269	38	9	-	-	ADJ
easat-7269	38	10	sectional	sectional	ADJ
easat-7269	38	11	analysis	analysis	NOUN
easat-7269	38	12	,	,	PUNCT
easat-7269	38	13	lack	lack	NOUN
easat-7269	38	14	of	of	ADP
easat-7269	38	15	tracking	tracking	NOUN
easat-7269	38	16	of	of	ADP
easat-7269	38	17	the	the	DET
easat-7269	38	18	dynamic	dynamic	ADJ
easat-7269	38	19	evolution	evolution	NOUN
easat-7269	38	20	of	of	ADP
easat-7269	38	21	market	market	NOUN
easat-7269	38	22	structure	structure	NOUN
easat-7269	38	23	under	under	ADP
easat-7269	38	24	technological	technological	ADJ
easat-7269	38	25	shocks	shock	NOUN
easat-7269	38	26	,	,	PUNCT
easat-7269	38	27	and	and	CCONJ
easat-7269	38	28	the	the	DET
easat-7269	38	29	cross	cross	ADJ
easat-7269	38	30	-	-	ADJ
easat-7269	38	31	regional	regional	ADJ
easat-7269	38	32	institutional	institutional	ADJ
easat-7269	38	33	comparative	comparative	ADJ
easat-7269	38	34	perspective	perspective	NOUN
easat-7269	38	35	needs	need	VERB
easat-7269	38	36	to	to	PART
easat-7269	38	37	be	be	AUX
easat-7269	38	38	deepened	deepen	VERB
easat-7269	38	39	.	.	PUNCT
easat-7269	39	1	1713	1713	NUM
easat-7269	39	2	edelweiss	edelweiss	PROPN
easat-7269	39	3	applied	apply	VERB
easat-7269	39	4	science	science	NOUN
easat-7269	39	5	and	and	CCONJ
easat-7269	39	6	technology	technology	NOUN
easat-7269	39	7	issn	issn	PROPN
easat-7269	39	8	:	:	PUNCT
easat-7269	39	9	2576	2576	NUM
easat-7269	39	10	-	-	SYM
easat-7269	39	11	8484	8484	NUM
easat-7269	39	12	vol	vol	NOUN
easat-7269	39	13	.	.	PROPN
easat-7269	40	1	9	9	NUM
easat-7269	40	2	,	,	PUNCT
easat-7269	40	3	no	no	INTJ
easat-7269	40	4	.	.	NOUN
easat-7269	40	5	5	5	NUM
easat-7269	40	6	:	:	PUNCT
easat-7269	40	7	1711	1711	NUM
easat-7269	40	8	-	-	SYM
easat-7269	40	9	1721	1721	NUM
easat-7269	40	10	,	,	PUNCT
easat-7269	40	11	2025	2025	NUM
easat-7269	40	12	doi	doi	NOUN
easat-7269	40	13	:	:	PUNCT
easat-7269	40	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	40	15	©	©	PROPN
easat-7269	40	16	2025	2025	NUM
easat-7269	40	17	by	by	ADP
easat-7269	40	18	the	the	DET
easat-7269	40	19	authors	author	NOUN
easat-7269	40	20	;	;	PUNCT
easat-7269	40	21	licensee	licensee	PROPN
easat-7269	40	22	learning	learning	NOUN
easat-7269	40	23	gate	gate	NOUN
easat-7269	40	24	3	3	NUM
easat-7269	40	25	.	.	PUNCT
easat-7269	40	26	method	method	PROPN
easat-7269	40	27	3.1	3.1	NUM
easat-7269	40	28	.	.	PUNCT
easat-7269	40	29	data	datum	NOUN
easat-7269	40	30	collection	collection	NOUN
easat-7269	40	31	and	and	CCONJ
easat-7269	40	32	preprocessing	preprocesse	VERB
easat-7269	40	33	this	this	DET
easat-7269	40	34	study	study	NOUN
easat-7269	40	35	adopts	adopt	VERB
easat-7269	40	36	a	a	DET
easat-7269	40	37	multi	multi	ADJ
easat-7269	40	38	-	-	ADJ
easat-7269	40	39	source	source	ADJ
easat-7269	40	40	heterogeneous	heterogeneous	ADJ
easat-7269	40	41	data	datum	NOUN
easat-7269	40	42	fusion	fusion	NOUN
easat-7269	40	43	method	method	NOUN
easat-7269	40	44	to	to	PART
easat-7269	40	45	systematically	systematically	ADV
easat-7269	40	46	collect	collect	VERB
easat-7269	40	47	key	key	ADJ
easat-7269	40	48	data	datum	NOUN
easat-7269	40	49	on	on	ADP
easat-7269	40	50	the	the	DET
easat-7269	40	51	digital	digital	ADJ
easat-7269	40	52	transformation	transformation	NOUN
easat-7269	40	53	of	of	ADP
easat-7269	40	54	the	the	DET
easat-7269	40	55	banking	banking	NOUN
easat-7269	40	56	industry	industry	NOUN
easat-7269	40	57	in	in	ADP
easat-7269	40	58	china	china	PROPN
easat-7269	40	59	and	and	CCONJ
easat-7269	40	60	the	the	DET
easat-7269	40	61	kyrgyz	kyrgyz	PROPN
easat-7269	40	62	republic	republic	PROPN
easat-7269	40	63	from	from	ADP
easat-7269	40	64	2018	2018	NUM
easat-7269	40	65	to	to	ADP
easat-7269	40	66	2023	2023	NUM
easat-7269	40	67	.	.	PUNCT
easat-7269	41	1	among	among	ADP
easat-7269	41	2	them	they	PRON
easat-7269	41	3	,	,	PUNCT
easat-7269	41	4	the	the	DET
easat-7269	41	5	annual	annual	ADJ
easat-7269	41	6	reports	report	NOUN
easat-7269	41	7	of	of	ADP
easat-7269	41	8	the	the	DET
easat-7269	41	9	central	central	ADJ
easat-7269	41	10	banks	bank	NOUN
easat-7269	41	11	of	of	ADP
easat-7269	41	12	the	the	DET
easat-7269	41	13	two	two	NUM
easat-7269	41	14	countries	country	NOUN
easat-7269	41	15	provide	provide	VERB
easat-7269	41	16	core	core	ADJ
easat-7269	41	17	financial	financial	ADJ
easat-7269	41	18	indicators	indicator	NOUN
easat-7269	41	19	(	(	PUNCT
easat-7269	41	20	digital	digital	ADJ
easat-7269	41	21	payment	payment	NOUN
easat-7269	41	22	transaction	transaction	NOUN
easat-7269	41	23	volume	volume	NOUN
easat-7269	41	24	,	,	PUNCT
easat-7269	41	25	electronic	electronic	ADJ
easat-7269	41	26	money	money	NOUN
easat-7269	41	27	circulation	circulation	NOUN
easat-7269	41	28	scale	scale	NOUN
easat-7269	41	29	)	)	PUNCT
easat-7269	41	30	,	,	PUNCT
easat-7269	41	31	regulatory	regulatory	ADJ
easat-7269	41	32	policy	policy	NOUN
easat-7269	41	33	change	change	NOUN
easat-7269	41	34	records	record	NOUN
easat-7269	41	35	and	and	CCONJ
easat-7269	41	36	institutional	institutional	ADJ
easat-7269	41	37	innovation	innovation	NOUN
easat-7269	41	38	dynamics	dynamic	NOUN
easat-7269	41	39	.	.	PUNCT
easat-7269	42	1	the	the	DET
easat-7269	42	2	world	world	PROPN
easat-7269	42	3	bank	bank	PROPN
easat-7269	42	4	's	's	PART
easat-7269	42	5	global	global	ADJ
easat-7269	42	6	findex	findex	PROPN
easat-7269	42	7	database	database	PROPN
easat-7269	42	8	supplements	supplement	NOUN
easat-7269	42	9	micro	micro	ADJ
easat-7269	42	10	-	-	ADJ
easat-7269	42	11	behavioral	behavioral	ADJ
easat-7269	42	12	characteristics	characteristic	NOUN
easat-7269	42	13	such	such	ADJ
easat-7269	42	14	as	as	ADP
easat-7269	42	15	inclusive	inclusive	ADJ
easat-7269	42	16	financial	financial	ADJ
easat-7269	42	17	coverage	coverage	NOUN
easat-7269	42	18	(	(	PUNCT
easat-7269	42	19	including	include	VERB
easat-7269	42	20	rural	rural	ADJ
easat-7269	42	21	/	/	SYM
easat-7269	42	22	urban	urban	ADJ
easat-7269	42	23	stratified	stratified	ADJ
easat-7269	42	24	sampling	sample	VERB
easat-7269	42	25	data	datum	NOUN
easat-7269	42	26	)	)	PUNCT
easat-7269	42	27	and	and	CCONJ
easat-7269	42	28	mobile	mobile	ADJ
easat-7269	42	29	payment	payment	NOUN
easat-7269	42	30	usage	usage	NOUN
easat-7269	42	31	frequency	frequency	NOUN
easat-7269	42	32	.	.	PUNCT
easat-7269	43	1	the	the	DET
easat-7269	43	2	statista	statista	PROPN
easat-7269	43	3	market	market	NOUN
easat-7269	43	4	report	report	NOUN
easat-7269	43	5	extracts	extract	VERB
easat-7269	43	6	market	market	NOUN
easat-7269	43	7	-	-	PUNCT
easat-7269	43	8	oriented	orient	VERB
easat-7269	43	9	parameters	parameter	NOUN
easat-7269	43	10	such	such	ADJ
easat-7269	43	11	as	as	ADP
easat-7269	43	12	the	the	DET
easat-7269	43	13	business	business	NOUN
easat-7269	43	14	structure	structure	NOUN
easat-7269	43	15	of	of	ADP
easat-7269	43	16	commercial	commercial	ADJ
easat-7269	43	17	banks	bank	NOUN
easat-7269	43	18	(	(	PUNCT
easat-7269	43	19	the	the	DET
easat-7269	43	20	proportion	proportion	NOUN
easat-7269	43	21	of	of	ADP
easat-7269	43	22	digital	digital	ADJ
easat-7269	43	23	credit	credit	NOUN
easat-7269	43	24	products	product	NOUN
easat-7269	43	25	)	)	PUNCT
easat-7269	43	26	,	,	PUNCT
easat-7269	43	27	the	the	DET
easat-7269	43	28	market	market	NOUN
easat-7269	43	29	share	share	NOUN
easat-7269	43	30	of	of	ADP
easat-7269	43	31	third	third	ADJ
easat-7269	43	32	-	-	PUNCT
easat-7269	43	33	party	party	NOUN
easat-7269	43	34	payment	payment	NOUN
easat-7269	43	35	platforms	platform	NOUN
easat-7269	43	36	and	and	CCONJ
easat-7269	43	37	the	the	DET
easat-7269	43	38	intensity	intensity	NOUN
easat-7269	43	39	of	of	ADP
easat-7269	43	40	technology	technology	NOUN
easat-7269	43	41	r&d	r&d	NOUN
easat-7269	43	42	investment	investment	NOUN
easat-7269	43	43	[	[	X
easat-7269	43	44	11	11	NUM
easat-7269	43	45	]	]	PUNCT
easat-7269	43	46	.	.	PUNCT
easat-7269	44	1	in	in	ADP
easat-7269	44	2	response	response	NOUN
easat-7269	44	3	to	to	ADP
easat-7269	44	4	the	the	DET
easat-7269	44	5	challenge	challenge	NOUN
easat-7269	44	6	of	of	ADP
easat-7269	44	7	insufficient	insufficient	ADJ
easat-7269	44	8	data	datum	NOUN
easat-7269	44	9	integrity	integrity	NOUN
easat-7269	44	10	in	in	ADP
easat-7269	44	11	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	44	12	,	,	PUNCT
easat-7269	44	13	the	the	DET
easat-7269	44	14	world	world	PROPN
easat-7269	44	15	bank	bank	NOUN
easat-7269	44	16	's	's	PART
easat-7269	44	17	multiple	multiple	ADJ
easat-7269	44	18	imputation	imputation	NOUN
easat-7269	44	19	by	by	ADP
easat-7269	44	20	chained	chain	VERB
easat-7269	44	21	equations	equation	NOUN
easat-7269	44	22	method	method	NOUN
easat-7269	44	23	is	be	AUX
easat-7269	44	24	used	use	VERB
easat-7269	44	25	to	to	PART
easat-7269	44	26	fill	fill	VERB
easat-7269	44	27	in	in	ADP
easat-7269	44	28	the	the	DET
easat-7269	44	29	missing	miss	VERB
easat-7269	44	30	values	value	NOUN
easat-7269	44	31	of	of	ADP
easat-7269	44	32	rural	rural	ADJ
easat-7269	44	33	digital	digital	ADJ
easat-7269	44	34	credit	credit	NOUN
easat-7269	44	35	coverage	coverage	NOUN
easat-7269	44	36	in	in	ADP
easat-7269	44	37	2019	2019	NUM
easat-7269	44	38	(	(	PUNCT
easat-7269	44	39	the	the	DET
easat-7269	44	40	original	original	ADJ
easat-7269	44	41	data	datum	NOUN
easat-7269	44	42	missing	miss	VERB
easat-7269	44	43	rate	rate	NOUN
easat-7269	44	44	reached	reach	VERB
easat-7269	44	45	32	32	NUM
easat-7269	44	46	%	%	NOUN
easat-7269	44	47	)	)	PUNCT
easat-7269	44	48	through	through	ADP
easat-7269	44	49	markov	markov	NOUN
easat-7269	44	50	chain	chain	NOUN
easat-7269	44	51	monte	monte	PROPN
easat-7269	44	52	carlo	carlo	PROPN
easat-7269	44	53	simulation	simulation	PROPN
easat-7269	44	54	.	.	PUNCT
easat-7269	45	1	the	the	DET
easat-7269	45	2	geographical	geographical	ADJ
easat-7269	45	3	coverage	coverage	NOUN
easat-7269	45	4	of	of	ADP
easat-7269	45	5	the	the	DET
easat-7269	45	6	data	datum	NOUN
easat-7269	45	7	includes	include	VERB
easat-7269	45	8	31	31	NUM
easat-7269	45	9	provincial	provincial	ADJ
easat-7269	45	10	-	-	PUNCT
easat-7269	45	11	level	level	NOUN
easat-7269	45	12	administrative	administrative	ADJ
easat-7269	45	13	regions	region	NOUN
easat-7269	45	14	in	in	ADP
easat-7269	45	15	china	china	PROPN
easat-7269	45	16	(	(	PUNCT
easat-7269	45	17	including	include	VERB
easat-7269	45	18	hong	hong	PROPN
easat-7269	45	19	kong	kong	PROPN
easat-7269	45	20	,	,	PUNCT
easat-7269	45	21	macao	macao	PROPN
easat-7269	45	22	and	and	CCONJ
easat-7269	45	23	taiwan	taiwan	PROPN
easat-7269	45	24	)	)	PUNCT
easat-7269	45	25	and	and	CCONJ
easat-7269	45	26	7	7	NUM
easat-7269	45	27	statelevel	statelevel	NOUN
easat-7269	45	28	administrative	administrative	ADJ
easat-7269	45	29	units	unit	NOUN
easat-7269	45	30	in	in	ADP
easat-7269	45	31	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	45	32	,	,	PUNCT
easat-7269	45	33	and	and	CCONJ
easat-7269	45	34	the	the	DET
easat-7269	45	35	time	time	NOUN
easat-7269	45	36	granularity	granularity	NOUN
easat-7269	45	37	is	be	AUX
easat-7269	45	38	refined	refine	VERB
easat-7269	45	39	to	to	ADP
easat-7269	45	40	the	the	DET
easat-7269	45	41	quarterly	quarterly	ADJ
easat-7269	45	42	dimension	dimension	NOUN
easat-7269	45	43	.	.	PUNCT
easat-7269	46	1	data	datum	NOUN
easat-7269	46	2	cleaning	cleaning	NOUN
easat-7269	46	3	and	and	CCONJ
easat-7269	46	4	standardization	standardization	NOUN
easat-7269	46	5	are	be	AUX
easat-7269	46	6	implemented	implement	VERB
easat-7269	46	7	through	through	ADP
easat-7269	46	8	the	the	DET
easat-7269	46	9	python	python	PROPN
easat-7269	46	10	pandas	panda	NOUN
easat-7269	46	11	tool	tool	NOUN
easat-7269	46	12	chain	chain	NOUN
easat-7269	46	13	:	:	PUNCT
easat-7269	46	14	first	first	ADV
easat-7269	46	15	,	,	PUNCT
easat-7269	46	16	fields	field	NOUN
easat-7269	46	17	with	with	ADP
easat-7269	46	18	missing	miss	VERB
easat-7269	46	19	rates	rate	NOUN
easat-7269	46	20	exceeding	exceed	VERB
easat-7269	46	21	15	15	NUM
easat-7269	46	22	%	%	NOUN
easat-7269	46	23	are	be	AUX
easat-7269	46	24	removed	remove	VERB
easat-7269	46	25	(	(	PUNCT
easat-7269	46	26	data	datum	NOUN
easat-7269	46	27	from	from	ADP
easat-7269	46	28	the	the	DET
easat-7269	46	29	kyrgyz	kyrgyz	PROPN
easat-7269	46	30	digital	digital	PROPN
easat-7269	46	31	rmb	rmb	PROPN
easat-7269	46	32	pilot	pilot	NOUN
easat-7269	46	33	in	in	ADP
easat-7269	46	34	2018	2018	NUM
easat-7269	46	35	)	)	PUNCT
easat-7269	46	36	,	,	PUNCT
easat-7269	46	37	and	and	CCONJ
easat-7269	46	38	the	the	DET
easat-7269	46	39	remaining	remain	VERB
easat-7269	46	40	missing	miss	VERB
easat-7269	46	41	values	value	NOUN
easat-7269	46	42	are	be	AUX
easat-7269	46	43	filled	fill	VERB
easat-7269	46	44	using	use	VERB
easat-7269	46	45	the	the	DET
easat-7269	46	46	knn	knn	PROPN
easat-7269	46	47	nearest	near	ADJ
easat-7269	46	48	neighbor	neighbor	PROPN
easat-7269	46	49	algorithm	algorithm	NOUN
easat-7269	46	50	(	(	PUNCT
easat-7269	46	51	k=5	k=5	PROPN
easat-7269	46	52	,	,	PUNCT
easat-7269	46	53	distance	distance	NOUN
easat-7269	46	54	weight	weight	NOUN
easat-7269	46	55	is	be	AUX
easat-7269	46	56	euclidean	euclidean	ADJ
easat-7269	46	57	distance	distance	NOUN
easat-7269	46	58	)	)	PUNCT
easat-7269	46	59	;	;	PUNCT
easat-7269	46	60	secondly	secondly	ADV
easat-7269	46	61	,	,	PUNCT
easat-7269	46	62	a	a	DET
easat-7269	46	63	unified	unified	ADJ
easat-7269	46	64	dimension	dimension	NOUN
easat-7269	46	65	system	system	NOUN
easat-7269	46	66	is	be	AUX
easat-7269	46	67	established	establish	VERB
easat-7269	46	68	,	,	PUNCT
easat-7269	46	69	and	and	CCONJ
easat-7269	46	70	the	the	DET
easat-7269	46	71	mobile	mobile	ADJ
easat-7269	46	72	payment	payment	NOUN
easat-7269	46	73	penetration	penetration	NOUN
easat-7269	46	74	rate	rate	NOUN
easat-7269	46	75	is	be	AUX
easat-7269	46	76	defined	define	VERB
easat-7269	46	77	as	as	ADP
easat-7269	46	78	:	:	PUNCT
easat-7269	46	79	𝑅𝑚𝑝	𝑅𝑚𝑝	ADJ
easat-7269	46	80	=	=	SYM
easat-7269	46	81	𝑁𝑎𝑐𝑡𝑖𝑣𝑒_𝑢𝑠𝑒𝑟	𝑁𝑎𝑐𝑡𝑖𝑣𝑒_𝑢𝑠𝑒𝑟	PUNCT
easat-7269	46	82	𝑃𝑎𝑑𝑢𝑙𝑡	𝑃𝑎𝑑𝑢𝑙𝑡	ADP
easat-7269	46	83	∗	∗	NOUN
easat-7269	46	84	100%(1	100%(1	NUM
easat-7269	46	85	)	)	PUNCT
easat-7269	46	86	𝑁𝑎𝑐𝑡𝑖𝑣𝑒_𝑢𝑠𝑒𝑟	𝑁𝑎𝑐𝑡𝑖𝑣𝑒_𝑢𝑠𝑒𝑟	PUNCT
easat-7269	46	87	is	be	AUX
easat-7269	46	88	the	the	DET
easat-7269	46	89	number	number	NOUN
easat-7269	46	90	of	of	ADP
easat-7269	46	91	active	active	ADJ
easat-7269	46	92	mobile	mobile	ADJ
easat-7269	46	93	payment	payment	NOUN
easat-7269	46	94	users	user	NOUN
easat-7269	46	95	in	in	ADP
easat-7269	46	96	a	a	DET
easat-7269	46	97	quarter	quarter	NOUN
easat-7269	46	98	,	,	PUNCT
easat-7269	46	99	and	and	CCONJ
easat-7269	46	100	𝑃𝑎𝑑𝑢𝑙𝑡	𝑃𝑎𝑑𝑢𝑙𝑡	PROPN
easat-7269	46	101	is	be	AUX
easat-7269	46	102	the	the	DET
easat-7269	46	103	population	population	NOUN
easat-7269	46	104	base	base	NOUN
easat-7269	46	105	over	over	ADP
easat-7269	46	106	15	15	NUM
easat-7269	46	107	years	year	NOUN
easat-7269	46	108	old	old	ADJ
easat-7269	46	109	.	.	PUNCT
easat-7269	47	1	the	the	DET
easat-7269	47	2	adult	adult	NOUN
easat-7269	47	3	population	population	NOUN
easat-7269	47	4	base	base	NOUN
easat-7269	47	5	of	of	ADP
easat-7269	47	6	china	china	PROPN
easat-7269	47	7	is	be	AUX
easat-7269	47	8	taken	take	VERB
easat-7269	47	9	from	from	ADP
easat-7269	47	10	the	the	DET
easat-7269	47	11	sample	sample	NOUN
easat-7269	47	12	survey	survey	NOUN
easat-7269	47	13	data	datum	NOUN
easat-7269	47	14	of	of	ADP
easat-7269	47	15	the	the	DET
easat-7269	47	16	national	national	PROPN
easat-7269	47	17	bureau	bureau	PROPN
easat-7269	47	18	of	of	ADP
easat-7269	47	19	statistics	statistic	NOUN
easat-7269	47	20	(	(	PUNCT
easat-7269	47	21	confidence	confidence	NOUN
easat-7269	47	22	level	level	NOUN
easat-7269	47	23	99	99	NUM
easat-7269	47	24	%	%	NOUN
easat-7269	47	25	)	)	PUNCT
easat-7269	47	26	,	,	PUNCT
easat-7269	47	27	and	and	CCONJ
easat-7269	47	28	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	47	29	uses	use	VERB
easat-7269	47	30	the	the	DET
easat-7269	47	31	revised	revise	VERB
easat-7269	47	32	value	value	NOUN
easat-7269	47	33	of	of	ADP
easat-7269	47	34	the	the	DET
easat-7269	47	35	united	united	PROPN
easat-7269	47	36	nations	nations	PROPN
easat-7269	47	37	population	population	NOUN
easat-7269	47	38	division	division	NOUN
easat-7269	47	39	;	;	PUNCT
easat-7269	47	40	the	the	DET
easat-7269	47	41	proportion	proportion	NOUN
easat-7269	47	42	of	of	ADP
easat-7269	47	43	digital	digital	ADJ
easat-7269	47	44	credit	credit	NOUN
easat-7269	47	45	/	/	SYM
easat-7269	47	46	gdp	gdp	NOUN
easat-7269	47	47	is	be	AUX
easat-7269	47	48	calculated	calculate	VERB
easat-7269	47	49	as	as	ADP
easat-7269	47	50	:	:	PUNCT
easat-7269	47	51	𝐶𝑑𝑔	𝐶𝑑𝑔	X
easat-7269	47	52	=	=	SYM
easat-7269	47	53	𝐿𝑐𝑜𝑛𝑠𝑢𝑚𝑒𝑟+𝐿𝑠𝑚𝑒	𝐿𝑐𝑜𝑛𝑠𝑢𝑚𝑒𝑟+𝐿𝑠𝑚𝑒	PROPN
easat-7269	47	54	𝐺𝐷𝑃𝑛𝑜𝑚𝑖𝑛𝑎𝑙	𝐺𝐷𝑃𝑛𝑜𝑚𝑖𝑛𝑎𝑙	NUM
easat-7269	47	55	∗	∗	NOUN
easat-7269	47	56	100%(2	100%(2	NUM
easat-7269	47	57	)	)	PUNCT
easat-7269	48	1	𝐿𝑐𝑜𝑛𝑠𝑢𝑚𝑒𝑟	𝐿𝑐𝑜𝑛𝑠𝑢𝑚𝑒𝑟	NOUN
easat-7269	48	2	is	be	AUX
easat-7269	48	3	the	the	DET
easat-7269	48	4	balance	balance	NOUN
easat-7269	48	5	of	of	ADP
easat-7269	48	6	internet	internet	NOUN
easat-7269	48	7	consumer	consumer	NOUN
easat-7269	48	8	loans	loan	NOUN
easat-7269	48	9	and	and	CCONJ
easat-7269	48	10	𝐿𝑠𝑚𝑒	𝐿𝑠𝑚𝑒	PROPN
easat-7269	48	11	is	be	AUX
easat-7269	48	12	the	the	DET
easat-7269	48	13	balance	balance	NOUN
easat-7269	48	14	of	of	ADP
easat-7269	48	15	digital	digital	ADJ
easat-7269	48	16	loans	loan	NOUN
easat-7269	48	17	for	for	ADP
easat-7269	48	18	small	small	ADJ
easat-7269	48	19	and	and	CCONJ
easat-7269	48	20	micro	micro	ADJ
easat-7269	48	21	enterprises	enterprise	NOUN
easat-7269	48	22	.	.	PUNCT
easat-7269	49	1	china	china	PROPN
easat-7269	49	2	's	's	PART
easat-7269	49	3	gdp	gdp	NOUN
easat-7269	49	4	data	datum	NOUN
easat-7269	49	5	is	be	AUX
easat-7269	49	6	deflated	deflate	VERB
easat-7269	49	7	by	by	ADP
easat-7269	49	8	price	price	NOUN
easat-7269	49	9	index	index	NOUN
easat-7269	49	10	(	(	PUNCT
easat-7269	49	11	base	base	NOUN
easat-7269	49	12	year	year	NOUN
easat-7269	49	13	2015	2015	NUM
easat-7269	49	14	)	)	PUNCT
easat-7269	49	15	,	,	PUNCT
easat-7269	49	16	and	and	CCONJ
easat-7269	49	17	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	49	18	uses	use	VERB
easat-7269	49	19	us	us	PROPN
easat-7269	49	20	dollar	dollar	PROPN
easat-7269	49	21	gdp	gdp	NOUN
easat-7269	49	22	(	(	PUNCT
easat-7269	49	23	converted	convert	VERB
easat-7269	49	24	at	at	ADP
easat-7269	49	25	the	the	DET
easat-7269	49	26	average	average	ADJ
easat-7269	49	27	annual	annual	ADJ
easat-7269	49	28	exchange	exchange	NOUN
easat-7269	49	29	rate	rate	NOUN
easat-7269	49	30	)	)	PUNCT
easat-7269	49	31	.	.	PUNCT
easat-7269	50	1	finally	finally	ADV
easat-7269	50	2	,	,	PUNCT
easat-7269	50	3	a	a	DET
easat-7269	50	4	data	data	NOUN
easat-7269	50	5	cube	cube	NOUN
easat-7269	50	6	containing	contain	VERB
easat-7269	50	7	23.48	23.48	NUM
easat-7269	50	8	million	million	NUM
easat-7269	50	9	structured	structured	ADJ
easat-7269	50	10	records	record	NOUN
easat-7269	50	11	is	be	AUX
easat-7269	50	12	constructed	construct	VERB
easat-7269	50	13	.	.	PUNCT
easat-7269	51	1	the	the	DET
easat-7269	51	2	pearson	pearson	PROPN
easat-7269	51	3	correlation	correlation	NOUN
easat-7269	51	4	verification	verification	NOUN
easat-7269	51	5	between	between	ADP
easat-7269	51	6	fields	field	NOUN
easat-7269	51	7	showed	show	VERB
easat-7269	51	8	that	that	SCONJ
easat-7269	51	9	there	there	PRON
easat-7269	51	10	is	be	VERB
easat-7269	51	11	a	a	DET
easat-7269	51	12	significant	significant	ADJ
easat-7269	51	13	positive	positive	ADJ
easat-7269	51	14	correlation	correlation	NOUN
easat-7269	51	15	between	between	ADP
easat-7269	51	16	mobile	mobile	ADJ
easat-7269	51	17	payment	payment	NOUN
easat-7269	51	18	penetration	penetration	NOUN
easat-7269	51	19	rate	rate	NOUN
easat-7269	51	20	and	and	CCONJ
easat-7269	51	21	digital	digital	ADJ
easat-7269	51	22	credit	credit	NOUN
easat-7269	51	23	scale	scale	NOUN
easat-7269	51	24	(	(	PUNCT
easat-7269	51	25	r=0.83	r=0.83	ADJ
easat-7269	51	26	,	,	PUNCT
easat-7269	51	27	p<0.01	p<0.01	PROPN
easat-7269	51	28	)	)	PUNCT
easat-7269	51	29	.	.	PUNCT
easat-7269	52	1	table	table	NOUN
easat-7269	52	2	1	1	NUM
easat-7269	52	3	shows	show	VERB
easat-7269	52	4	the	the	DET
easat-7269	52	5	key	key	ADJ
easat-7269	52	6	data	datum	NOUN
easat-7269	52	7	collected	collect	VERB
easat-7269	52	8	for	for	ADP
easat-7269	52	9	digital	digital	ADJ
easat-7269	52	10	transformation	transformation	NOUN
easat-7269	52	11	:	:	PUNCT
easat-7269	52	12	table	table	NOUN
easat-7269	52	13	1	1	NUM
easat-7269	52	14	.	.	PUNCT
easat-7269	52	15	key	key	ADJ
easat-7269	52	16	data	datum	NOUN
easat-7269	52	17	on	on	ADP
easat-7269	52	18	digital	digital	ADJ
easat-7269	52	19	transformation	transformation	NOUN
easat-7269	52	20	.	.	PUNCT
easat-7269	53	1	year	year	NOUN
easat-7269	54	1	china	china	PROPN
easat-7269	54	2	mobile	mobile	ADJ
easat-7269	54	3	payment	payment	NOUN
easat-7269	54	4	penetration	penetration	NOUN
easat-7269	54	5	(	(	PUNCT
easat-7269	54	6	%	%	INTJ
easat-7269	54	7	)	)	PUNCT
easat-7269	54	8	china	china	PROPN
easat-7269	54	9	digital	digital	PROPN
easat-7269	54	10	credit	credit	PROPN
easat-7269	54	11	/	/	SYM
easat-7269	54	12	gdp	gdp	NOUN
easat-7269	54	13	(	(	PUNCT
easat-7269	54	14	%	%	NOUN
easat-7269	54	15	)	)	PUNCT
easat-7269	54	16	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	54	17	mobile	mobile	ADJ
easat-7269	54	18	payment	payment	NOUN
easat-7269	54	19	penetration	penetration	NOUN
easat-7269	54	20	(	(	PUNCT
easat-7269	54	21	%	%	INTJ
easat-7269	54	22	)	)	PUNCT
easat-7269	54	23	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	54	24	digital	digital	ADJ
easat-7269	54	25	credit	credit	NOUN
easat-7269	54	26	/	/	SYM
easat-7269	54	27	gdp	gdp	NOUN
easat-7269	54	28	(	(	PUNCT
easat-7269	54	29	%	%	NOUN
easat-7269	54	30	)	)	PUNCT
easat-7269	54	31	2018	2018	NUM
easat-7269	54	32	75.2	75.2	NUM
easat-7269	54	33	20.3	20.3	NUM
easat-7269	54	34	5.1	5.1	NUM
easat-7269	54	35	0.5	0.5	NUM
easat-7269	54	36	2019	2019	NUM
easat-7269	54	37	81.6	81.6	NUM
easat-7269	54	38	23.7	23.7	NUM
easat-7269	54	39	9.8	9.8	NUM
easat-7269	54	40	0.7	0.7	NUM
easat-7269	54	41	2020	2020	NUM
easat-7269	54	42	84.3	84.3	NUM
easat-7269	54	43	25.9	25.9	NUM
easat-7269	54	44	15.4	15.4	NUM
easat-7269	54	45	0.9	0.9	NUM
easat-7269	54	46	2021	2021	NUM
easat-7269	54	47	86.7	86.7	NUM
easat-7269	54	48	27.1	27.1	NUM
easat-7269	54	49	24.6	24.6	NUM
easat-7269	54	50	1.0	1.0	NUM
easat-7269	54	51	2022	2022	NUM
easat-7269	54	52	88.1	88.1	NUM
easat-7269	54	53	28.3	28.3	NUM
easat-7269	54	54	33.9	33.9	NUM
easat-7269	54	55	1.1	1.1	NUM
easat-7269	54	56	2023	2023	NUM
easat-7269	54	57	89.0	89.0	NUM
easat-7269	54	58	28.6	28.6	NUM
easat-7269	54	59	40.2	40.2	NUM
easat-7269	54	60	1.2	1.2	NUM
easat-7269	54	61	3.2	3.2	NUM
easat-7269	54	62	multidimensional	multidimensional	ADJ
easat-7269	54	63	comparative	comparative	ADJ
easat-7269	54	64	analysis	analysis	NOUN
easat-7269	54	65	3.2.1	3.2.1	NUM
easat-7269	54	66	.	.	PUNCT
easat-7269	54	67	technology	technology	NOUN
easat-7269	54	68	layer	layer	NOUN
easat-7269	54	69	based	base	VERB
easat-7269	54	70	on	on	ADP
easat-7269	54	71	the	the	DET
easat-7269	54	72	technology	technology	NOUN
easat-7269	54	73	adoption	adoption	NOUN
easat-7269	54	74	life	life	NOUN
easat-7269	54	75	cycle	cycle	NOUN
easat-7269	54	76	theory	theory	NOUN
easat-7269	54	77	,	,	PUNCT
easat-7269	54	78	this	this	DET
easat-7269	54	79	study	study	NOUN
easat-7269	54	80	conducts	conduct	VERB
easat-7269	54	81	a	a	DET
easat-7269	54	82	full	full	ADJ
easat-7269	54	83	-	-	PUNCT
easat-7269	54	84	dimensional	dimensional	ADJ
easat-7269	54	85	technical	technical	ADJ
easat-7269	54	86	deconstruction	deconstruction	NOUN
easat-7269	54	87	of	of	ADP
easat-7269	54	88	china	china	PROPN
easat-7269	54	89	's	's	PART
easat-7269	54	90	blockchain	blockchain	PROPN
easat-7269	54	91	cross	cross	ADJ
easat-7269	54	92	-	-	ADJ
easat-7269	54	93	border	border	ADJ
easat-7269	54	94	trade	trade	NOUN
easat-7269	54	95	platform	platform	NOUN
easat-7269	54	96	and	and	CCONJ
easat-7269	54	97	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	54	98	's	's	PART
easat-7269	54	99	qr	qr	PROPN
easat-7269	54	100	code	code	NOUN
easat-7269	54	101	payment	payment	NOUN
easat-7269	54	102	1714	1714	NUM
easat-7269	54	103	edelweiss	edelweiss	PROPN
easat-7269	54	104	applied	apply	VERB
easat-7269	54	105	science	science	NOUN
easat-7269	54	106	and	and	CCONJ
easat-7269	54	107	technology	technology	NOUN
easat-7269	54	108	issn	issn	PROPN
easat-7269	54	109	:	:	PUNCT
easat-7269	54	110	2576	2576	NUM
easat-7269	54	111	-	-	SYM
easat-7269	54	112	8484	8484	NUM
easat-7269	54	113	vol	vol	NOUN
easat-7269	54	114	.	.	PROPN
easat-7269	55	1	9	9	NUM
easat-7269	55	2	,	,	PUNCT
easat-7269	55	3	no	no	INTJ
easat-7269	55	4	.	.	NOUN
easat-7269	55	5	5	5	NUM
easat-7269	55	6	:	:	PUNCT
easat-7269	55	7	1711	1711	NUM
easat-7269	55	8	-	-	SYM
easat-7269	55	9	1721	1721	NUM
easat-7269	55	10	,	,	PUNCT
easat-7269	55	11	2025	2025	NUM
easat-7269	55	12	doi	doi	NOUN
easat-7269	55	13	:	:	PUNCT
easat-7269	55	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	55	15	©	©	PROPN
easat-7269	55	16	2025	2025	NUM
easat-7269	55	17	by	by	ADP
easat-7269	55	18	the	the	DET
easat-7269	55	19	authors	author	NOUN
easat-7269	55	20	;	;	PUNCT
easat-7269	55	21	licensee	licensee	PROPN
easat-7269	55	22	learning	learn	VERB
easat-7269	55	23	gate	gate	NOUN
easat-7269	55	24	system	system	NOUN
easat-7269	55	25	.	.	PUNCT
easat-7269	56	1	for	for	ADP
easat-7269	56	2	the	the	DET
easat-7269	56	3	chinese	chinese	ADJ
easat-7269	56	4	scenario	scenario	NOUN
easat-7269	56	5	,	,	PUNCT
easat-7269	56	6	the	the	DET
easat-7269	56	7	following	follow	VERB
easat-7269	56	8	parameters	parameter	NOUN
easat-7269	56	9	are	be	AUX
easat-7269	56	10	extracted	extract	VERB
easat-7269	56	11	from	from	ADP
easat-7269	56	12	the	the	DET
easat-7269	56	13	state	state	NOUN
easat-7269	56	14	administration	administration	NOUN
easat-7269	56	15	of	of	ADP
easat-7269	56	16	foreign	foreign	ADJ
easat-7269	56	17	exchange	exchange	NOUN
easat-7269	56	18	's	's	PART
easat-7269	56	19	cross	cross	ADJ
easat-7269	56	20	-	-	ADJ
easat-7269	56	21	border	border	ADJ
easat-7269	56	22	financial	financial	ADJ
easat-7269	56	23	blockchain	blockchain	PROPN
easat-7269	56	24	service	service	PROPN
easat-7269	56	25	platform	platform	NOUN
easat-7269	56	26	(	(	PUNCT
easat-7269	56	27	safe	safe	ADJ
easat-7269	56	28	blockchain	blockchain	NOUN
easat-7269	56	29	):	):	PUNCT
easat-7269	56	30	1	1	X
easat-7269	56	31	)	)	PUNCT
easat-7269	56	32	network	network	NOUN
easat-7269	56	33	node	node	ADJ
easat-7269	56	34	distribution	distribution	NOUN
easat-7269	56	35	(	(	PUNCT
easat-7269	56	36	proportion	proportion	NOUN
easat-7269	56	37	of	of	ADP
easat-7269	56	38	regulatory	regulatory	ADJ
easat-7269	56	39	agencies	agency	NOUN
easat-7269	56	40	,	,	PUNCT
easat-7269	56	41	commercial	commercial	ADJ
easat-7269	56	42	banks	bank	NOUN
easat-7269	56	43	,	,	PUNCT
easat-7269	56	44	and	and	CCONJ
easat-7269	56	45	customs	customs	NOUN
easat-7269	56	46	nodes	node	NOUN
easat-7269	56	47	)	)	PUNCT
easat-7269	56	48	;	;	PUNCT
easat-7269	56	49	2	2	X
easat-7269	56	50	)	)	PUNCT
easat-7269	56	51	smart	smart	ADJ
easat-7269	56	52	contract	contract	NOUN
easat-7269	56	53	type	type	NOUN
easat-7269	56	54	(	(	PUNCT
easat-7269	56	55	modular	modular	ADJ
easat-7269	56	56	functions	function	NOUN
easat-7269	56	57	such	such	ADJ
easat-7269	56	58	as	as	ADP
easat-7269	56	59	letters	letter	NOUN
easat-7269	56	60	of	of	ADP
easat-7269	56	61	credit	credit	NOUN
easat-7269	56	62	,	,	PUNCT
easat-7269	56	63	guarantees	guarantee	NOUN
easat-7269	56	64	,	,	PUNCT
easat-7269	56	65	and	and	CCONJ
easat-7269	56	66	supply	supply	VERB
easat-7269	56	67	chain	chain	NOUN
easat-7269	56	68	financing	financing	NOUN
easat-7269	56	69	)	)	PUNCT
easat-7269	56	70	;	;	PUNCT
easat-7269	56	71	3	3	X
easat-7269	56	72	)	)	PUNCT
easat-7269	56	73	measured	measure	VERB
easat-7269	56	74	value	value	NOUN
easat-7269	56	75	of	of	ADP
easat-7269	56	76	transactions	transaction	NOUN
easat-7269	56	77	per	per	ADP
easat-7269	56	78	second	second	ADJ
easat-7269	56	79	(	(	PUNCT
easat-7269	56	80	tps	tps	NOUN
easat-7269	56	81	)	)	PUNCT
easat-7269	57	1	[	[	X
easat-7269	57	2	12	12	NUM
easat-7269	57	3	]	]	PUNCT
easat-7269	57	4	.	.	PUNCT
easat-7269	58	1	for	for	ADP
easat-7269	58	2	the	the	DET
easat-7269	58	3	kyrgyz	kyrgyz	PROPN
easat-7269	58	4	qr	qr	PROPN
easat-7269	58	5	code	code	PROPN
easat-7269	58	6	system	system	NOUN
easat-7269	58	7	,	,	PUNCT
easat-7269	58	8	the	the	DET
easat-7269	58	9	following	follow	VERB
easat-7269	58	10	are	be	AUX
easat-7269	58	11	obtained	obtain	VERB
easat-7269	58	12	through	through	ADP
easat-7269	58	13	reverse	reverse	ADJ
easat-7269	58	14	engineering	engineering	NOUN
easat-7269	58	15	of	of	ADP
easat-7269	58	16	the	the	DET
easat-7269	58	17	technical	technical	ADJ
easat-7269	58	18	white	white	PROPN
easat-7269	58	19	paper	paper	NOUN
easat-7269	58	20	:	:	PUNCT
easat-7269	58	21	1	1	X
easat-7269	58	22	)	)	PUNCT
easat-7269	58	23	qr	qr	NOUN
easat-7269	58	24	code	code	NOUN
easat-7269	58	25	generation	generation	NOUN
easat-7269	58	26	algorithm	algorithm	NOUN
easat-7269	58	27	(	(	PUNCT
easat-7269	58	28	qr	qr	INTJ
easat-7269	58	29	code	code	PROPN
easat-7269	58	30	version	version	NOUN
easat-7269	58	31	40	40	NUM
easat-7269	58	32	fault	fault	NOUN
easat-7269	58	33	tolerance	tolerance	NOUN
easat-7269	58	34	level	level	NOUN
easat-7269	58	35	)	)	PUNCT
easat-7269	58	36	;	;	PUNCT
easat-7269	58	37	2	2	X
easat-7269	58	38	)	)	PUNCT
easat-7269	58	39	agent	agent	NOUN
easat-7269	58	40	bank	bank	NOUN
easat-7269	58	41	network	network	NOUN
easat-7269	58	42	topology	topology	NOUN
easat-7269	58	43	(	(	PUNCT
easat-7269	58	44	using	use	VERB
easat-7269	58	45	the	the	DET
easat-7269	58	46	central	central	ADJ
easat-7269	58	47	node	node	NOUN
easat-7269	58	48	load	load	NOUN
easat-7269	58	49	balancing	balance	VERB
easat-7269	58	50	threshold	threshold	NOUN
easat-7269	58	51	under	under	ADP
easat-7269	58	52	the	the	DET
easat-7269	58	53	star	star	NOUN
easat-7269	58	54	architecture	architecture	NOUN
easat-7269	58	55	)	)	PUNCT
easat-7269	58	56	;	;	PUNCT
easat-7269	58	57	3	3	X
easat-7269	58	58	)	)	PUNCT
easat-7269	58	59	offline	offline	ADJ
easat-7269	58	60	transaction	transaction	NOUN
easat-7269	58	61	synchronization	synchronization	NOUN
easat-7269	58	62	mechanism	mechanism	NOUN
easat-7269	58	63	(	(	PUNCT
easat-7269	58	64	local	local	ADJ
easat-7269	58	65	database	database	NOUN
easat-7269	58	66	conflict	conflict	NOUN
easat-7269	58	67	resolution	resolution	NOUN
easat-7269	58	68	strategy	strategy	NOUN
easat-7269	58	69	based	base	VERB
easat-7269	58	70	on	on	ADP
easat-7269	58	71	sqlite	sqlite	PROPN
easat-7269	58	72	)	)	PUNCT
easat-7269	58	73	.	.	PUNCT
easat-7269	59	1	the	the	DET
easat-7269	59	2	technology	technology	NOUN
easat-7269	59	3	maturity	maturity	NOUN
easat-7269	59	4	assessment	assessment	NOUN
easat-7269	59	5	uses	use	VERB
easat-7269	59	6	the	the	DET
easat-7269	59	7	gartner	gartner	PROPN
easat-7269	59	8	technology	technology	PROPN
easat-7269	59	9	curve	curve	NOUN
easat-7269	59	10	model	model	NOUN
easat-7269	59	11	to	to	PART
easat-7269	59	12	give	give	VERB
easat-7269	59	13	weighted	weight	VERB
easat-7269	59	14	scores	score	NOUN
easat-7269	59	15	to	to	ADP
easat-7269	59	16	the	the	DET
easat-7269	59	17	two	two	NUM
easat-7269	59	18	countries	country	NOUN
easat-7269	59	19	'	'	PART
easat-7269	59	20	systems	system	NOUN
easat-7269	59	21	in	in	ADP
easat-7269	59	22	three	three	NUM
easat-7269	59	23	dimensions	dimension	NOUN
easat-7269	59	24	:	:	PUNCT
easat-7269	59	25	scalability	scalability	NOUN
easat-7269	59	26	(	(	PUNCT
easat-7269	59	27	application	application	NOUN
easat-7269	59	28	of	of	ADP
easat-7269	59	29	sharding	sharding	PROPN
easat-7269	59	30	technology	technology	NOUN
easat-7269	59	31	)	)	PUNCT
easat-7269	59	32	,	,	PUNCT
easat-7269	59	33	interoperability	interoperability	NOUN
easat-7269	59	34	(	(	PUNCT
easat-7269	59	35	iso	iso	NOUN
easat-7269	59	36	20022	20022	NUM
easat-7269	59	37	message	message	NOUN
easat-7269	59	38	compatibility	compatibility	NOUN
easat-7269	59	39	)	)	PUNCT
easat-7269	59	40	,	,	PUNCT
easat-7269	59	41	and	and	CCONJ
easat-7269	59	42	privacy	privacy	NOUN
easat-7269	59	43	protection	protection	NOUN
easat-7269	59	44	(	(	PUNCT
easat-7269	59	45	zero	zero	NUM
easat-7269	59	46	-	-	PUNCT
easat-7269	59	47	knowledge	knowledge	NOUN
easat-7269	59	48	proof	proof	NOUN
easat-7269	59	49	zk	zk	PROPN
easat-7269	59	50	-	-	PUNCT
easat-7269	59	51	snarks	snarks	PROPN
easat-7269	59	52	integration	integration	NOUN
easat-7269	59	53	)	)	PUNCT
easat-7269	59	54	(	(	PUNCT
easat-7269	59	55	weight	weight	NOUN
easat-7269	59	56	coefficients	coefficient	NOUN
easat-7269	59	57	α=0.4	α=0.4	NOUN
easat-7269	59	58	,	,	PUNCT
easat-7269	59	59	β=0.3	β=0.3	NOUN
easat-7269	59	60	,	,	PUNCT
easat-7269	59	61	γ=0.3	γ=0.3	NOUN
easat-7269	59	62	)	)	PUNCT
easat-7269	59	63	.	.	PUNCT
easat-7269	60	1	3.2.2	3.2.2	NUM
easat-7269	60	2	.	.	PUNCT
easat-7269	60	3	policy	policy	NOUN
easat-7269	60	4	level	level	NOUN
easat-7269	60	5	relying	rely	VERB
easat-7269	60	6	on	on	ADP
easat-7269	60	7	the	the	DET
easat-7269	60	8	theoretical	theoretical	ADJ
easat-7269	60	9	framework	framework	NOUN
easat-7269	60	10	of	of	ADP
easat-7269	60	11	policy	policy	NOUN
easat-7269	60	12	tools	tool	NOUN
easat-7269	60	13	,	,	PUNCT
easat-7269	60	14	a	a	DET
easat-7269	60	15	quantitative	quantitative	ADJ
easat-7269	60	16	analysis	analysis	NOUN
easat-7269	60	17	model	model	NOUN
easat-7269	60	18	of	of	ADP
easat-7269	60	19	the	the	DET
easat-7269	60	20	two	two	NUM
easat-7269	60	21	countries	country	NOUN
easat-7269	60	22	'	'	PART
easat-7269	60	23	fintech	fintech	NOUN
easat-7269	60	24	strategic	strategic	ADJ
easat-7269	60	25	documents	document	NOUN
easat-7269	60	26	is	be	AUX
easat-7269	60	27	constructed	construct	VERB
easat-7269	60	28	.	.	PUNCT
easat-7269	61	1	first	first	ADV
easat-7269	61	2	,	,	PUNCT
easat-7269	61	3	the	the	DET
easat-7269	61	4	bilingual	bilingual	ADJ
easat-7269	61	5	parallel	parallel	ADJ
easat-7269	61	6	corpus	corpus	NOUN
easat-7269	61	7	of	of	ADP
easat-7269	61	8	china	china	PROPN
easat-7269	61	9	's	's	PART
easat-7269	61	10	fintech	fintech	NOUN
easat-7269	61	11	development	development	NOUN
easat-7269	61	12	plan	plan	NOUN
easat-7269	61	13	(	(	PUNCT
easat-7269	61	14	2022	2022	NUM
easat-7269	61	15	-	-	SYM
easat-7269	61	16	2025	2025	NUM
easat-7269	61	17	)	)	PUNCT
easat-7269	61	18	and	and	CCONJ
easat-7269	61	19	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	61	20	's	's	PART
easat-7269	61	21	outline	outline	NOUN
easat-7269	61	22	of	of	ADP
easat-7269	61	23	national	national	ADJ
easat-7269	61	24	payment	payment	NOUN
easat-7269	61	25	system	system	NOUN
easat-7269	61	26	reform	reform	NOUN
easat-7269	61	27	are	be	AUX
easat-7269	61	28	aligned	align	VERB
easat-7269	61	29	,	,	PUNCT
easat-7269	61	30	and	and	CCONJ
easat-7269	61	31	the	the	DET
easat-7269	61	32	bert	bert	PROPN
easat-7269	61	33	multilingual	multilingual	ADJ
easat-7269	61	34	model	model	NOUN
easat-7269	61	35	is	be	AUX
easat-7269	61	36	used	use	VERB
easat-7269	61	37	for	for	ADP
easat-7269	61	38	word	word	NOUN
easat-7269	61	39	vector	vector	NOUN
easat-7269	61	40	embedding	embed	VERB
easat-7269	61	41	(	(	PUNCT
easat-7269	61	42	dimension	dimension	NOUN
easat-7269	61	43	d=768	d=768	PROPN
easat-7269	61	44	)	)	PUNCT
easat-7269	61	45	,	,	PUNCT
easat-7269	61	46	and	and	CCONJ
easat-7269	61	47	the	the	DET
easat-7269	61	48	tf	tf	PROPN
easat-7269	61	49	-	-	PUNCT
easat-7269	61	50	idf	idf	PROPN
easat-7269	61	51	algorithm	algorithm	NOUN
easat-7269	61	52	is	be	AUX
easat-7269	61	53	used	use	VERB
easat-7269	61	54	to	to	PART
easat-7269	61	55	extract	extract	VERB
easat-7269	61	56	high	high	ADJ
easat-7269	61	57	-	-	PUNCT
easat-7269	61	58	frequency	frequency	NOUN
easat-7269	61	59	policy	policy	NOUN
easat-7269	61	60	terms	term	NOUN
easat-7269	61	61	(	(	PUNCT
easat-7269	61	62	top	top	ADJ
easat-7269	61	63	50	50	NUM
easat-7269	61	64	keywords	keyword	NOUN
easat-7269	61	65	)	)	PUNCT
easat-7269	61	66	.	.	PUNCT
easat-7269	62	1	further	far	ADV
easat-7269	62	2	,	,	PUNCT
easat-7269	62	3	the	the	DET
easat-7269	62	4	behavior	behavior	NOUN
easat-7269	62	5	patterns	pattern	NOUN
easat-7269	62	6	of	of	ADP
easat-7269	62	7	policy	policy	NOUN
easat-7269	62	8	subjects	subject	NOUN
easat-7269	62	9	are	be	AUX
easat-7269	62	10	identified	identify	VERB
easat-7269	62	11	through	through	ADP
easat-7269	62	12	semantic	semantic	ADJ
easat-7269	62	13	role	role	NOUN
easat-7269	62	14	labeling	labeling	NOUN
easat-7269	62	15	:	:	PUNCT
easat-7269	62	16	1	1	X
easat-7269	62	17	)	)	PUNCT
easat-7269	62	18	the	the	DET
easat-7269	62	19	chinese	chinese	ADJ
easat-7269	62	20	text	text	NOUN
easat-7269	62	21	focuses	focus	VERB
easat-7269	62	22	on	on	ADP
easat-7269	62	23	active	active	ADJ
easat-7269	62	24	intervention	intervention	NOUN
easat-7269	62	25	expressions	expression	NOUN
easat-7269	62	26	such	such	ADJ
easat-7269	62	27	as	as	ADP
easat-7269	62	28	"	"	PUNCT
easat-7269	62	29	regulatory	regulatory	ADJ
easat-7269	62	30	sandbox	sandbox	NOUN
easat-7269	62	31	"	"	PUNCT
easat-7269	62	32	(	(	PUNCT
easat-7269	62	33	47	47	NUM
easat-7269	62	34	times	time	NOUN
easat-7269	62	35	)	)	PUNCT
easat-7269	62	36	and	and	CCONJ
easat-7269	62	37	"	"	PUNCT
easat-7269	62	38	data	data	NOUN
easat-7269	62	39	governance	governance	NOUN
easat-7269	62	40	"	"	PUNCT
easat-7269	62	41	(	(	PUNCT
easat-7269	62	42	39	39	NUM
easat-7269	62	43	times	time	NOUN
easat-7269	62	44	)	)	PUNCT
easat-7269	62	45	;	;	PUNCT
easat-7269	62	46	2	2	X
easat-7269	62	47	)	)	PUNCT
easat-7269	62	48	the	the	DET
easat-7269	62	49	kyrgyz	kyrgyz	PROPN
easat-7269	62	50	text	text	NOUN
easat-7269	62	51	focuses	focus	VERB
easat-7269	62	52	on	on	ADP
easat-7269	62	53	inclusive	inclusive	ADJ
easat-7269	62	54	terms	term	NOUN
easat-7269	62	55	such	such	ADJ
easat-7269	62	56	as	as	ADP
easat-7269	62	57	"	"	PUNCT
easat-7269	62	58	exemption	exemption	NOUN
easat-7269	62	59	clause	clause	NOUN
easat-7269	62	60	"	"	PUNCT
easat-7269	62	61	(	(	PUNCT
easat-7269	62	62	28	28	NUM
easat-7269	62	63	times	time	NOUN
easat-7269	62	64	)	)	PUNCT
easat-7269	62	65	and	and	CCONJ
easat-7269	62	66	"	"	PUNCT
easat-7269	62	67	pilot	pilot	NOUN
easat-7269	62	68	authorization	authorization	NOUN
easat-7269	62	69	"	"	PUNCT
easat-7269	62	70	(	(	PUNCT
easat-7269	62	71	19	19	NUM
easat-7269	62	72	times	time	NOUN
easat-7269	62	73	)	)	PUNCT
easat-7269	62	74	.	.	PUNCT
easat-7269	63	1	in	in	ADP
easat-7269	63	2	order	order	NOUN
easat-7269	63	3	to	to	PART
easat-7269	63	4	quantify	quantify	VERB
easat-7269	63	5	the	the	DET
easat-7269	63	6	policy	policy	NOUN
easat-7269	63	7	intensity	intensity	NOUN
easat-7269	63	8	,	,	PUNCT
easat-7269	63	9	a	a	DET
easat-7269	63	10	policy	policy	NOUN
easat-7269	63	11	intensity	intensity	NOUN
easat-7269	63	12	index	index	NOUN
easat-7269	63	13	is	be	AUX
easat-7269	63	14	designed	design	VERB
easat-7269	63	15	:	:	PUNCT
easat-7269	63	16	pi	pi	NOUN
easat-7269	63	17	=	=	PUNCT
easat-7269	63	18	∑	∑	PROPN
easat-7269	63	19	(	(	PUNCT
easat-7269	63	20	wi	wi	PROPN
easat-7269	63	21	∗	∗	PROPN
easat-7269	63	22	fi	fi	NOUN
easat-7269	63	23	)	)	PUNCT
easat-7269	63	24	n	n	CCONJ
easat-7269	63	25	i=1	i=1	PROPN
easat-7269	63	26	(	(	PUNCT
easat-7269	63	27	3	3	NUM
easat-7269	63	28	)	)	PUNCT
easat-7269	63	29	among	among	ADP
easat-7269	63	30	them	they	PRON
easat-7269	63	31	,	,	PUNCT
easat-7269	63	32	wi	wi	PROPN
easat-7269	63	33	is	be	AUX
easat-7269	63	34	the	the	DET
easat-7269	63	35	keyword	keyword	NOUN
easat-7269	63	36	weight	weight	NOUN
easat-7269	63	37	(	(	PUNCT
easat-7269	63	38	determined	determine	VERB
easat-7269	63	39	by	by	ADP
easat-7269	63	40	the	the	DET
easat-7269	63	41	expert	expert	ADJ
easat-7269	63	42	delphi	delphi	NOUN
easat-7269	63	43	method	method	NOUN
easat-7269	63	44	)	)	PUNCT
easat-7269	63	45	,	,	PUNCT
easat-7269	63	46	and	and	CCONJ
easat-7269	63	47	fi	fi	NOUN
easat-7269	63	48	is	be	AUX
easat-7269	63	49	the	the	DET
easat-7269	63	50	normalized	normalize	VERB
easat-7269	63	51	word	word	NOUN
easat-7269	63	52	frequency	frequency	NOUN
easat-7269	63	53	.	.	PUNCT
easat-7269	64	1	the	the	DET
easat-7269	64	2	policy	policy	NOUN
easat-7269	64	3	coordination	coordination	NOUN
easat-7269	64	4	degree	degree	NOUN
easat-7269	64	5	is	be	AUX
easat-7269	64	6	calculated	calculate	VERB
easat-7269	64	7	using	use	VERB
easat-7269	64	8	the	the	DET
easat-7269	64	9	word	word	NOUN
easat-7269	64	10	mover	mover	NOUN
easat-7269	64	11	's	's	PART
easat-7269	64	12	distance	distance	NOUN
easat-7269	64	13	algorithm	algorithm	NOUN
easat-7269	64	14	to	to	PART
easat-7269	64	15	measure	measure	VERB
easat-7269	64	16	the	the	DET
easat-7269	64	17	semantic	semantic	ADJ
easat-7269	64	18	similarity	similarity	NOUN
easat-7269	64	19	of	of	ADP
easat-7269	64	20	the	the	DET
easat-7269	64	21	policy	policy	NOUN
easat-7269	64	22	texts	text	NOUN
easat-7269	64	23	of	of	ADP
easat-7269	64	24	the	the	DET
easat-7269	64	25	two	two	NUM
easat-7269	64	26	countries	country	NOUN
easat-7269	64	27	.	.	PUNCT
easat-7269	65	1	3.2.3	3.2.3	X
easat-7269	65	2	.	.	PUNCT
easat-7269	65	3	market	market	NOUN
easat-7269	65	4	layer	layer	NOUN
easat-7269	65	5	following	follow	VERB
easat-7269	65	6	the	the	DET
easat-7269	65	7	programmatic	programmatic	ADJ
easat-7269	65	8	grounded	ground	VERB
easat-7269	65	9	theory	theory	NOUN
easat-7269	65	10	methodology	methodology	NOUN
easat-7269	65	11	of	of	ADP
easat-7269	65	12	strauss	strauss	PROPN
easat-7269	65	13	&	&	CCONJ
easat-7269	65	14	corbin	corbin	PROPN
easat-7269	65	15	,	,	PUNCT
easat-7269	65	16	a	a	DET
easat-7269	65	17	multi	multi	ADJ
easat-7269	65	18	-	-	ADJ
easat-7269	65	19	level	level	ADJ
easat-7269	65	20	coding	coding	NOUN
easat-7269	65	21	analysis	analysis	NOUN
easat-7269	65	22	is	be	AUX
easat-7269	65	23	conducted	conduct	VERB
easat-7269	65	24	on	on	ADP
easat-7269	65	25	the	the	DET
easat-7269	65	26	“	"	PUNCT
easat-7269	65	27	310	310	NUM
easat-7269	65	28	”	"	PUNCT
easat-7269	65	29	micro	micro	ADJ
easat-7269	65	30	-	-	NOUN
easat-7269	65	31	enterprise	enterprise	ADJ
easat-7269	65	32	risk	risk	NOUN
easat-7269	65	33	control	control	NOUN
easat-7269	65	34	model	model	NOUN
easat-7269	65	35	of	of	ADP
easat-7269	65	36	mybank	mybank	PROPN
easat-7269	65	37	(	(	PUNCT
easat-7269	65	38	3	3	NUM
easat-7269	65	39	minutes	minute	NOUN
easat-7269	65	40	for	for	ADP
easat-7269	65	41	loan	loan	NOUN
easat-7269	65	42	application	application	NOUN
easat-7269	65	43	,	,	PUNCT
easat-7269	65	44	1	1	NUM
easat-7269	65	45	second	second	ADJ
easat-7269	65	46	for	for	ADP
easat-7269	65	47	loan	loan	NOUN
easat-7269	65	48	disbursement	disbursement	NOUN
easat-7269	65	49	,	,	PUNCT
easat-7269	65	50	and	and	CCONJ
easat-7269	65	51	0	0	NUM
easat-7269	65	52	manual	manual	ADJ
easat-7269	65	53	intervention	intervention	NOUN
easat-7269	65	54	)	)	PUNCT
easat-7269	65	55	and	and	CCONJ
easat-7269	65	56	the	the	DET
easat-7269	65	57	agent	agent	NOUN
easat-7269	65	58	banking	banking	NOUN
easat-7269	65	59	network	network	NOUN
easat-7269	65	60	of	of	ADP
easat-7269	65	61	optima	optima	PROPN
easat-7269	65	62	bank	bank	PROPN
easat-7269	65	63	in	in	ADP
easat-7269	65	64	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	65	65	[	[	X
easat-7269	65	66	13	13	NUM
easat-7269	65	67	]	]	PUNCT
easat-7269	65	68	.	.	PUNCT
easat-7269	66	1	the	the	DET
easat-7269	66	2	original	original	ADJ
easat-7269	66	3	data	datum	NOUN
easat-7269	66	4	sources	source	NOUN
easat-7269	66	5	include	include	VERB
easat-7269	66	6	:	:	PUNCT
easat-7269	66	7	1	1	X
easat-7269	66	8	)	)	PUNCT
easat-7269	66	9	internal	internal	ADJ
easat-7269	66	10	documents	document	NOUN
easat-7269	66	11	of	of	ADP
easat-7269	66	12	the	the	DET
easat-7269	66	13	institution	institution	NOUN
easat-7269	66	14	(	(	PUNCT
easat-7269	66	15	product	product	NOUN
easat-7269	66	16	design	design	NOUN
easat-7269	66	17	manual	manual	NOUN
easat-7269	66	18	,	,	PUNCT
easat-7269	66	19	risk	risk	NOUN
easat-7269	66	20	control	control	NOUN
easat-7269	66	21	flow	flow	NOUN
easat-7269	66	22	chart	chart	NOUN
easat-7269	66	23	)	)	PUNCT
easat-7269	66	24	;	;	PUNCT
easat-7269	66	25	2	2	X
easat-7269	66	26	)	)	PUNCT
easat-7269	66	27	recordings	recording	NOUN
easat-7269	66	28	of	of	ADP
easat-7269	66	29	in	in	ADP
easat-7269	66	30	-	-	PUNCT
easat-7269	66	31	depth	depth	NOUN
easat-7269	66	32	interviews	interview	NOUN
easat-7269	66	33	(	(	PUNCT
easat-7269	66	34	12	12	NUM
easat-7269	66	35	people	people	NOUN
easat-7269	66	36	in	in	ADP
easat-7269	66	37	the	the	DET
easat-7269	66	38	chinese	chinese	ADJ
easat-7269	66	39	team	team	NOUN
easat-7269	66	40	and	and	CCONJ
easat-7269	66	41	9	9	NUM
easat-7269	66	42	people	people	NOUN
easat-7269	66	43	in	in	ADP
easat-7269	66	44	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	66	45	,	,	PUNCT
easat-7269	66	46	each	each	PRON
easat-7269	66	47	for	for	ADP
easat-7269	66	48	90	90	NUM
easat-7269	66	49	-	-	SYM
easat-7269	66	50	120	120	NUM
easat-7269	66	51	minutes	minute	NOUN
easat-7269	66	52	)	)	PUNCT
easat-7269	66	53	;	;	PUNCT
easat-7269	66	54	3	3	X
easat-7269	66	55	)	)	PUNCT
easat-7269	66	56	user	user	NOUN
easat-7269	66	57	operation	operation	NOUN
easat-7269	66	58	logs	log	NOUN
easat-7269	66	59	(	(	PUNCT
easat-7269	66	60	sampling	sample	VERB
easat-7269	66	61	100,000	100,000	NUM
easat-7269	66	62	behavioral	behavioral	ADJ
easat-7269	66	63	data	datum	NOUN
easat-7269	66	64	)	)	PUNCT
easat-7269	66	65	.	.	PUNCT
easat-7269	67	1	the	the	DET
easat-7269	67	2	open	open	ADJ
easat-7269	67	3	coding	code	VERB
easat-7269	67	4	stage	stage	NOUN
easat-7269	67	5	extracted	extract	VERB
easat-7269	67	6	327	327	NUM
easat-7269	67	7	initial	initial	ADJ
easat-7269	67	8	concepts	concept	NOUN
easat-7269	67	9	,	,	PUNCT
easat-7269	67	10	such	such	ADJ
easat-7269	67	11	as	as	ADP
easat-7269	67	12	"	"	PUNCT
easat-7269	67	13	biometric	biometric	ADJ
easat-7269	67	14	cross	cross	NOUN
easat-7269	67	15	-	-	NOUN
easat-7269	67	16	validation	validation	ADJ
easat-7269	67	17	"	"	PUNCT
easat-7269	67	18	and	and	CCONJ
easat-7269	67	19	"	"	PUNCT
easat-7269	67	20	unstructured	unstructured	ADJ
easat-7269	67	21	data	data	NOUN
easat-7269	67	22	feature	feature	NOUN
easat-7269	67	23	engineering	engineering	NOUN
easat-7269	67	24	"	"	PUNCT
easat-7269	67	25	.	.	PUNCT
easat-7269	68	1	the	the	DET
easat-7269	68	2	main	main	ADJ
easat-7269	68	3	axis	axis	NOUN
easat-7269	68	4	coding	coding	NOUN
easat-7269	68	5	formed	form	VERB
easat-7269	68	6	the	the	DET
easat-7269	68	7	core	core	NOUN
easat-7269	68	8	category	category	NOUN
easat-7269	68	9	of	of	ADP
easat-7269	68	10	"	"	PUNCT
easat-7269	68	11	digital	digital	ADJ
easat-7269	68	12	customer	customer	NOUN
easat-7269	68	13	acquisition	acquisition	NOUN
easat-7269	68	14	-	-	PUNCT
easat-7269	68	15	intelligent	intelligent	ADJ
easat-7269	68	16	risk	risk	NOUN
easat-7269	68	17	control	control	NOUN
easat-7269	68	18	-	-	PUNCT
easat-7269	68	19	ecological	ecological	ADJ
easat-7269	68	20	closed	closed	ADJ
easat-7269	68	21	loop	loop	NOUN
easat-7269	68	22	"	"	PUNCT
easat-7269	68	23	.	.	PUNCT
easat-7269	69	1	the	the	DET
easat-7269	69	2	selective	selective	ADJ
easat-7269	69	3	coding	coding	NOUN
easat-7269	69	4	finally	finally	ADV
easat-7269	69	5	summarized	summarize	VERB
easat-7269	69	6	the	the	DET
easat-7269	69	7	two	two	NUM
easat-7269	69	8	paradigms	paradigm	NOUN
easat-7269	69	9	of	of	ADP
easat-7269	69	10	"	"	PUNCT
easat-7269	69	11	lightweight	lightweight	ADJ
easat-7269	69	12	technology	technology	NOUN
easat-7269	69	13	embedding	embed	VERB
easat-7269	69	14	"	"	PUNCT
easat-7269	69	15	(	(	PUNCT
easat-7269	69	16	china	china	PROPN
easat-7269	69	17	)	)	PUNCT
easat-7269	69	18	and	and	CCONJ
easat-7269	69	19	"	"	PUNCT
easat-7269	69	20	social	social	ADJ
easat-7269	69	21	capital	capital	NOUN
easat-7269	69	22	leverage	leverage	NOUN
easat-7269	69	23	"	"	PUNCT
easat-7269	69	24	(	(	PUNCT
easat-7269	69	25	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	69	26	)	)	PUNCT
easat-7269	69	27	.	.	PUNCT
easat-7269	70	1	in	in	ADP
easat-7269	70	2	order	order	NOUN
easat-7269	70	3	to	to	PART
easat-7269	70	4	control	control	VERB
easat-7269	70	5	the	the	DET
easat-7269	70	6	validity	validity	NOUN
easat-7269	70	7	of	of	ADP
easat-7269	70	8	the	the	DET
easat-7269	70	9	study	study	NOUN
easat-7269	70	10	,	,	PUNCT
easat-7269	70	11	the	the	DET
easat-7269	70	12	triangulation	triangulation	NOUN
easat-7269	70	13	method	method	NOUN
easat-7269	70	14	is	be	AUX
easat-7269	70	15	used	use	VERB
easat-7269	70	16	to	to	PART
easat-7269	70	17	cross	cross	VERB
easat-7269	70	18	-	-	VERB
easat-7269	70	19	check	check	VERB
easat-7269	70	20	the	the	DET
easat-7269	70	21	interview	interview	NOUN
easat-7269	70	22	records	record	NOUN
easat-7269	70	23	,	,	PUNCT
easat-7269	70	24	system	system	NOUN
easat-7269	70	25	logs	log	NOUN
easat-7269	70	26	and	and	CCONJ
easat-7269	70	27	third	third	ADJ
easat-7269	70	28	-	-	PUNCT
easat-7269	70	29	party	party	NOUN
easat-7269	70	30	audit	audit	NOUN
easat-7269	70	31	reports	report	NOUN
easat-7269	70	32	,	,	PUNCT
easat-7269	70	33	and	and	CCONJ
easat-7269	70	34	nvivo	nvivo	ADJ
easat-7269	70	35	12	12	NUM
easat-7269	70	36	is	be	AUX
easat-7269	70	37	used	use	VERB
easat-7269	70	38	to	to	PART
easat-7269	70	39	test	test	VERB
easat-7269	70	40	the	the	DET
easat-7269	70	41	coding	code	VERB
easat-7269	70	42	consistency	consistency	NOUN
easat-7269	70	43	(	(	PUNCT
easat-7269	70	44	cohen	cohen	PROPN
easat-7269	70	45	's	's	PART
easat-7269	70	46	kappa	kappa	PROPN
easat-7269	70	47	coefficient	coefficient	PROPN
easat-7269	70	48	≥	≥	NUM
easat-7269	70	49	0.82	0.82	NUM
easat-7269	70	50	)	)	PUNCT
easat-7269	70	51	.	.	PUNCT
easat-7269	71	1	3.3	3.3	NUM
easat-7269	71	2	.	.	PUNCT
easat-7269	71	3	hybrid	hybrid	ADJ
easat-7269	71	4	model	model	NOUN
easat-7269	71	5	construction	construction	NOUN
easat-7269	71	6	based	base	VERB
easat-7269	71	7	on	on	ADP
easat-7269	71	8	the	the	DET
easat-7269	71	9	analytic	analytic	ADJ
easat-7269	71	10	hierarchy	hierarchy	NOUN
easat-7269	71	11	process	process	NOUN
easat-7269	71	12	(	(	PUNCT
easat-7269	71	13	ahp	ahp	NOUN
easat-7269	71	14	)	)	PUNCT
easat-7269	71	15	,	,	PUNCT
easat-7269	71	16	the	the	DET
easat-7269	71	17	traditional	traditional	ADJ
easat-7269	71	18	swot	swot	NOUN
easat-7269	71	19	framework	framework	NOUN
easat-7269	71	20	is	be	AUX
easat-7269	71	21	parameterized	parameterized	ADJ
easat-7269	71	22	and	and	CCONJ
easat-7269	71	23	a	a	DET
easat-7269	71	24	quantitative	quantitative	ADJ
easat-7269	71	25	evaluation	evaluation	NOUN
easat-7269	71	26	system	system	NOUN
easat-7269	71	27	of	of	ADP
easat-7269	71	28	the	the	DET
easat-7269	71	29	two	two	NUM
easat-7269	71	30	countries	country	NOUN
easat-7269	71	31	’	'	PUNCT
easat-7269	71	32	advantage	advantage	NOUN
easat-7269	71	33	factors	factor	NOUN
easat-7269	71	34	is	be	AUX
easat-7269	71	35	constructed	construct	VERB
easat-7269	71	36	[	[	PUNCT
easat-7269	71	37	14	14	NUM
easat-7269	71	38	]	]	PUNCT
easat-7269	71	39	.	.	PUNCT
easat-7269	72	1	first	first	ADV
easat-7269	72	2	,	,	PUNCT
easat-7269	72	3	the	the	DET
easat-7269	72	4	core	core	NOUN
easat-7269	72	5	dimensions	dimension	NOUN
easat-7269	72	6	are	be	AUX
easat-7269	72	7	defined	define	VERB
easat-7269	72	8	:	:	PUNCT
easat-7269	72	9	china	china	PROPN
easat-7269	72	10	’s	’s	PART
easat-7269	72	11	advantage	advantage	NOUN
easat-7269	72	12	factors	factor	NOUN
easat-7269	72	13	focus	focus	VERB
easat-7269	72	14	on	on	ADP
easat-7269	72	15	market	market	NOUN
easat-7269	72	16	size	size	NOUN
easat-7269	72	17	(	(	PUNCT
easat-7269	72	18	s1	s1	NOUN
easat-7269	72	19	:	:	PUNCT
easat-7269	72	20	mobile	mobile	ADJ
easat-7269	72	21	payment	payment	NOUN
easat-7269	72	22	1715	1715	NUM
easat-7269	72	23	edelweiss	edelweiss	PROPN
easat-7269	72	24	applied	apply	VERB
easat-7269	72	25	science	science	NOUN
easat-7269	72	26	and	and	CCONJ
easat-7269	72	27	technology	technology	NOUN
easat-7269	72	28	issn	issn	PROPN
easat-7269	72	29	:	:	PUNCT
easat-7269	72	30	2576	2576	NUM
easat-7269	72	31	-	-	SYM
easat-7269	72	32	8484	8484	NUM
easat-7269	72	33	vol	vol	NOUN
easat-7269	72	34	.	.	PROPN
easat-7269	73	1	9	9	NUM
easat-7269	73	2	,	,	PUNCT
easat-7269	73	3	no	no	INTJ
easat-7269	73	4	.	.	NOUN
easat-7269	73	5	5	5	NUM
easat-7269	73	6	:	:	PUNCT
easat-7269	73	7	1711	1711	NUM
easat-7269	73	8	-	-	SYM
easat-7269	73	9	1721	1721	NUM
easat-7269	73	10	,	,	PUNCT
easat-7269	73	11	2025	2025	NUM
easat-7269	73	12	doi	doi	NOUN
easat-7269	73	13	:	:	PUNCT
easat-7269	73	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	73	15	©	©	PROPN
easat-7269	73	16	2025	2025	NUM
easat-7269	73	17	by	by	ADP
easat-7269	73	18	the	the	DET
easat-7269	73	19	authors	author	NOUN
easat-7269	73	20	;	;	PUNCT
easat-7269	73	21	licensee	licensee	PROPN
easat-7269	73	22	learning	learn	VERB
easat-7269	73	23	gate	gate	PROPN
easat-7269	73	24	user	user	PROPN
easat-7269	73	25	base	base	PROPN
easat-7269	73	26	,	,	PUNCT
easat-7269	73	27	s2	s2	PROPN
easat-7269	73	28	:	:	PUNCT
easat-7269	73	29	digital	digital	ADJ
easat-7269	73	30	credit	credit	NOUN
easat-7269	73	31	penetration	penetration	NOUN
easat-7269	73	32	rate	rate	NOUN
easat-7269	73	33	)	)	PUNCT
easat-7269	73	34	,	,	PUNCT
easat-7269	73	35	and	and	CCONJ
easat-7269	73	36	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	73	37	’s	’s	PART
easat-7269	73	38	advantage	advantage	NOUN
easat-7269	73	39	factors	factor	NOUN
easat-7269	73	40	focus	focus	VERB
easat-7269	73	41	on	on	ADP
easat-7269	73	42	regulatory	regulatory	ADJ
easat-7269	73	43	trial	trial	NOUN
easat-7269	73	44	and	and	CCONJ
easat-7269	73	45	error	error	NOUN
easat-7269	73	46	space	space	NOUN
easat-7269	73	47	(	(	PUNCT
easat-7269	73	48	s3	s3	NOUN
easat-7269	73	49	:	:	PUNCT
easat-7269	73	50	policy	policy	NOUN
easat-7269	73	51	revision	revision	NOUN
easat-7269	73	52	frequency	frequency	NOUN
easat-7269	73	53	,	,	PUNCT
easat-7269	73	54	s4	s4	PROPN
easat-7269	73	55	:	:	PUNCT
easat-7269	73	56	sandbox	sandbox	NOUN
easat-7269	73	57	experiment	experiment	NOUN
easat-7269	73	58	fault	fault	NOUN
easat-7269	73	59	tolerance	tolerance	NOUN
easat-7269	73	60	threshold	threshold	NOUN
easat-7269	73	61	)	)	PUNCT
easat-7269	73	62	.	.	PUNCT
easat-7269	74	1	the	the	DET
easat-7269	74	2	judgment	judgment	NOUN
easat-7269	74	3	matrix	matrix	NOUN
easat-7269	74	4	weights	weight	NOUN
easat-7269	74	5	are	be	AUX
easat-7269	74	6	determined	determine	VERB
easat-7269	74	7	through	through	ADP
easat-7269	74	8	the	the	DET
easat-7269	74	9	expert	expert	ADJ
easat-7269	74	10	delphi	delphi	NOUN
easat-7269	74	11	method	method	NOUN
easat-7269	74	12	,	,	PUNCT
easat-7269	74	13	and	and	CCONJ
easat-7269	74	14	a	a	DET
easat-7269	74	15	four	four	NUM
easat-7269	74	16	-	-	PUNCT
easat-7269	74	17	layer	layer	NOUN
easat-7269	74	18	hierarchical	hierarchical	ADJ
easat-7269	74	19	structure	structure	NOUN
easat-7269	74	20	is	be	AUX
easat-7269	74	21	established	establish	VERB
easat-7269	74	22	:	:	PUNCT
easat-7269	74	23	target	target	NOUN
easat-7269	74	24	layer	layer	NOUN
easat-7269	74	25	(	(	PUNCT
easat-7269	74	26	cross	cross	ADJ
easat-7269	74	27	-	-	ADJ
easat-7269	74	28	border	border	ADJ
easat-7269	74	29	synergy	synergy	NOUN
easat-7269	74	30	potential	potential	NOUN
easat-7269	74	31	)	)	PUNCT
easat-7269	74	32	→	→	SYM
easat-7269	74	33	criterion	criterion	NOUN
easat-7269	74	34	layer	layer	NOUN
easat-7269	74	35	(	(	PUNCT
easat-7269	74	36	technology	technology	NOUN
easat-7269	74	37	/	/	SYM
easat-7269	74	38	system	system	NOUN
easat-7269	74	39	/	/	SYM
easat-7269	74	40	market	market	NOUN
easat-7269	74	41	)	)	PUNCT
easat-7269	74	42	→	→	SYM
easat-7269	74	43	factor	factor	NOUN
easat-7269	74	44	layer	layer	NOUN
easat-7269	74	45	(	(	PUNCT
easat-7269	74	46	9	9	NUM
easat-7269	74	47	secondary	secondary	ADJ
easat-7269	74	48	indicators	indicator	NOUN
easat-7269	74	49	)	)	PUNCT
easat-7269	74	50	→	→	SYM
easat-7269	74	51	solution	solution	NOUN
easat-7269	74	52	layer	layer	NOUN
easat-7269	74	53	(	(	PUNCT
easat-7269	74	54	chinakyrgyzstan	chinakyrgyzstan	ADJ
easat-7269	74	55	comparison	comparison	NOUN
easat-7269	74	56	group	group	NOUN
easat-7269	74	57	)	)	PUNCT
easat-7269	74	58	.	.	PUNCT
easat-7269	75	1	the	the	DET
easat-7269	75	2	eigenvector	eigenvector	NOUN
easat-7269	75	3	method	method	NOUN
easat-7269	75	4	is	be	AUX
easat-7269	75	5	used	use	VERB
easat-7269	75	6	to	to	PART
easat-7269	75	7	calculate	calculate	VERB
easat-7269	75	8	the	the	DET
easat-7269	75	9	consistency	consistency	NOUN
easat-7269	75	10	ratio	ratio	NOUN
easat-7269	75	11	(	(	PUNCT
easat-7269	75	12	cr<0.1	cr<0.1	PROPN
easat-7269	75	13	)	)	PUNCT
easat-7269	75	14	,	,	PUNCT
easat-7269	75	15	and	and	CCONJ
easat-7269	75	16	the	the	DET
easat-7269	75	17	final	final	ADJ
easat-7269	75	18	output	output	NOUN
easat-7269	75	19	is	be	AUX
easat-7269	75	20	the	the	DET
easat-7269	75	21	strength	strength	NOUN
easat-7269	75	22	value	value	NOUN
easat-7269	75	23	of	of	ADP
easat-7269	75	24	the	the	DET
easat-7269	75	25	advantage	advantage	NOUN
easat-7269	75	26	factor	factor	NOUN
easat-7269	75	27	:	:	PUNCT
easat-7269	75	28	swot	swot	PROPN
easat-7269	75	29	score	score	NOUN
easat-7269	76	1	=	=	PUNCT
easat-7269	76	2	∑	∑	PROPN
easat-7269	76	3	(	(	PUNCT
easat-7269	76	4	wi	wi	PROPN
easat-7269	76	5	∗	∗	NOUN
easat-7269	76	6	ln(xi	ln(xi	VERB
easat-7269	76	7	+	+	CCONJ
easat-7269	76	8	1))4	1))4	NUM
easat-7269	76	9	i=1	i=1	X
easat-7269	76	10	(	(	PUNCT
easat-7269	76	11	4	4	NUM
easat-7269	76	12	)	)	PUNCT
easat-7269	76	13	among	among	ADP
easat-7269	76	14	them	they	PRON
easat-7269	76	15	,	,	PUNCT
easat-7269	76	16	wi	wi	PROPN
easat-7269	76	17	is	be	AUX
easat-7269	76	18	the	the	DET
easat-7269	76	19	ahp	ahp	NOUN
easat-7269	76	20	weight	weight	NOUN
easat-7269	76	21	and	and	CCONJ
easat-7269	76	22	xi	xi	X
easat-7269	76	23	is	be	AUX
easat-7269	76	24	the	the	DET
easat-7269	76	25	normalized	normalize	VERB
easat-7269	76	26	original	original	ADJ
easat-7269	76	27	index	index	NOUN
easat-7269	76	28	value	value	NOUN
easat-7269	76	29	.	.	PUNCT
easat-7269	77	1	the	the	DET
easat-7269	77	2	latent	latent	ADJ
easat-7269	77	3	dirichlet	dirichlet	PROPN
easat-7269	77	4	allocation	allocation	NOUN
easat-7269	77	5	(	(	PUNCT
easat-7269	77	6	lda	lda	PROPN
easat-7269	77	7	)	)	PUNCT
easat-7269	77	8	model	model	NOUN
easat-7269	77	9	is	be	AUX
easat-7269	77	10	used	use	VERB
easat-7269	77	11	to	to	PART
easat-7269	77	12	cluster	cluster	VERB
easat-7269	77	13	the	the	DET
easat-7269	77	14	policy	policy	NOUN
easat-7269	77	15	texts	text	NOUN
easat-7269	77	16	of	of	ADP
easat-7269	77	17	the	the	DET
easat-7269	77	18	two	two	NUM
easat-7269	77	19	countries	country	NOUN
easat-7269	77	20	:	:	PUNCT
easat-7269	77	21	1	1	X
easat-7269	77	22	)	)	PUNCT
easat-7269	77	23	snownlp	snownlp	NOUN
easat-7269	77	24	and	and	CCONJ
easat-7269	77	25	kaznlp	kaznlp	ADJ
easat-7269	77	26	toolkits	toolkit	NOUN
easat-7269	77	27	are	be	AUX
easat-7269	77	28	used	use	VERB
easat-7269	77	29	in	in	ADP
easat-7269	77	30	the	the	DET
easat-7269	77	31	preprocessing	preprocessing	NOUN
easat-7269	77	32	stage	stage	NOUN
easat-7269	77	33	to	to	PART
easat-7269	77	34	complete	complete	VERB
easat-7269	77	35	chinese	chinese	ADJ
easat-7269	77	36	and	and	CCONJ
easat-7269	77	37	russian	russian	ADJ
easat-7269	77	38	bilingual	bilingual	ADJ
easat-7269	77	39	word	word	NOUN
easat-7269	77	40	segmentation	segmentation	NOUN
easat-7269	77	41	and	and	CCONJ
easat-7269	77	42	stop	stop	VERB
easat-7269	77	43	word	word	NOUN
easat-7269	77	44	filtering	filtering	NOUN
easat-7269	77	45	;	;	PUNCT
easat-7269	77	46	2	2	X
easat-7269	77	47	)	)	PUNCT
easat-7269	77	48	the	the	DET
easat-7269	77	49	optimal	optimal	ADJ
easat-7269	77	50	number	number	NOUN
easat-7269	77	51	of	of	ADP
easat-7269	77	52	topics	topic	NOUN
easat-7269	77	53	is	be	AUX
easat-7269	77	54	determined	determine	VERB
easat-7269	77	55	through	through	ADP
easat-7269	77	56	the	the	DET
easat-7269	77	57	perplexity	perplexity	NOUN
easat-7269	77	58	curve	curve	NOUN
easat-7269	77	59	(	(	PUNCT
easat-7269	77	60	china	china	PROPN
easat-7269	77	61	k=5	k=5	PROPN
easat-7269	77	62	,	,	PUNCT
easat-7269	77	63	kyrgyz	kyrgyz	PROPN
easat-7269	77	64	k=3	k=3	PROPN
easat-7269	77	65	)	)	PUNCT
easat-7269	77	66	;	;	PUNCT
easat-7269	77	67	3	3	X
easat-7269	77	68	)	)	PUNCT
easat-7269	77	69	the	the	DET
easat-7269	77	70	topic	topic	NOUN
easat-7269	77	71	similarity	similarity	NOUN
easat-7269	77	72	matrix	matrix	NOUN
easat-7269	77	73	is	be	AUX
easat-7269	77	74	calculated	calculate	VERB
easat-7269	77	75	,	,	PUNCT
easat-7269	77	76	and	and	CCONJ
easat-7269	77	77	the	the	DET
easat-7269	77	78	improved	improve	VERB
easat-7269	77	79	js	js	ADJ
easat-7269	77	80	divergence	divergence	NOUN
easat-7269	77	81	(	(	PUNCT
easat-7269	77	82	jensen	jensen	PROPN
easat-7269	77	83	-	-	PUNCT
easat-7269	77	84	shannon	shannon	PROPN
easat-7269	77	85	divergence	divergence	NOUN
easat-7269	77	86	)	)	PUNCT
easat-7269	77	87	is	be	AUX
easat-7269	77	88	used	use	VERB
easat-7269	77	89	to	to	PART
easat-7269	77	90	quantify	quantify	VERB
easat-7269	77	91	the	the	DET
easat-7269	77	92	policy	policy	NOUN
easat-7269	77	93	coupling	coupling	NOUN
easat-7269	77	94	between	between	ADP
easat-7269	77	95	the	the	DET
easat-7269	77	96	"	"	PUNCT
easat-7269	77	97	regulatory	regulatory	ADJ
easat-7269	77	98	sandbox	sandbox	NOUN
easat-7269	77	99	"	"	PUNCT
easat-7269	77	100	and	and	CCONJ
easat-7269	77	101	the	the	DET
easat-7269	77	102	"	"	PUNCT
easat-7269	77	103	innovation	innovation	NOUN
easat-7269	77	104	exemption	exemption	NOUN
easat-7269	77	105	regulations	regulation	NOUN
easat-7269	77	106	"	"	PUNCT
easat-7269	77	107	:	:	PUNCT
easat-7269	77	108	𝐷𝐽𝑆(𝑃||𝑄	𝐷𝐽𝑆(𝑃||𝑄	NOUN
easat-7269	77	109	)	)	PUNCT
easat-7269	77	110	=	=	SYM
easat-7269	78	1	0.5[𝐷𝐾𝐿(𝑃||𝑀	0.5[𝐷𝐾𝐿(𝑃||𝑀	PROPN
easat-7269	78	2	)	)	PUNCT
easat-7269	78	3	+	+	NUM
easat-7269	78	4	𝐷𝐾𝐿(𝑄||𝑀)](5	𝐷𝐾𝐿(𝑄||𝑀)](5	NOUN
easat-7269	78	5	)	)	PUNCT
easat-7269	78	6	among	among	ADP
easat-7269	78	7	them	they	PRON
easat-7269	78	8	,	,	PUNCT
easat-7269	78	9	m	m	VERB
easat-7269	78	10	=	=	NOUN
easat-7269	78	11	0.5(p	0.5(p	PUNCT
easat-7269	79	1	+	+	CCONJ
easat-7269	79	2	q	q	X
easat-7269	79	3	)	)	PUNCT
easat-7269	79	4	,	,	PUNCT
easat-7269	79	5	p	p	NOUN
easat-7269	79	6	and	and	CCONJ
easat-7269	79	7	q	q	NOUN
easat-7269	79	8	are	be	AUX
easat-7269	79	9	the	the	DET
easat-7269	79	10	policy	policy	NOUN
easat-7269	79	11	keyword	keyword	NOUN
easat-7269	79	12	distributions	distribution	NOUN
easat-7269	79	13	of	of	ADP
easat-7269	79	14	the	the	DET
easat-7269	79	15	two	two	NUM
easat-7269	79	16	countries	country	NOUN
easat-7269	79	17	.	.	PUNCT
easat-7269	80	1	finally	finally	ADV
easat-7269	80	2	,	,	PUNCT
easat-7269	80	3	a	a	DET
easat-7269	80	4	directed	direct	VERB
easat-7269	80	5	weighted	weight	VERB
easat-7269	80	6	network	network	NOUN
easat-7269	80	7	is	be	AUX
easat-7269	80	8	constructed	construct	VERB
easat-7269	80	9	,	,	PUNCT
easat-7269	80	10	where	where	SCONJ
easat-7269	80	11	the	the	DET
easat-7269	80	12	nodes	node	NOUN
easat-7269	80	13	represent	represent	VERB
easat-7269	80	14	policy	policy	NOUN
easat-7269	80	15	topics	topic	NOUN
easat-7269	80	16	and	and	CCONJ
easat-7269	80	17	the	the	DET
easat-7269	80	18	edge	edge	NOUN
easat-7269	80	19	weights	weight	NOUN
easat-7269	80	20	are	be	AUX
easat-7269	80	21	the	the	DET
easat-7269	80	22	coupling	coupling	NOUN
easat-7269	80	23	strength	strength	NOUN
easat-7269	80	24	values	value	NOUN
easat-7269	80	25	[	[	X
easat-7269	80	26	15	15	NUM
easat-7269	80	27	]	]	PUNCT
easat-7269	80	28	.	.	PUNCT
easat-7269	81	1	figure	figure	NOUN
easat-7269	81	2	1	1	NUM
easat-7269	81	3	shows	show	VERB
easat-7269	81	4	the	the	DET
easat-7269	81	5	structure	structure	NOUN
easat-7269	81	6	of	of	ADP
easat-7269	81	7	the	the	DET
easat-7269	81	8	hybrid	hybrid	ADJ
easat-7269	81	9	model	model	NOUN
easat-7269	81	10	in	in	ADP
easat-7269	81	11	this	this	DET
easat-7269	81	12	paper	paper	NOUN
easat-7269	81	13	:	:	PUNCT
easat-7269	81	14	1716	1716	NUM
easat-7269	81	15	edelweiss	edelweiss	PROPN
easat-7269	81	16	applied	apply	VERB
easat-7269	81	17	science	science	NOUN
easat-7269	81	18	and	and	CCONJ
easat-7269	81	19	technology	technology	NOUN
easat-7269	81	20	issn	issn	PROPN
easat-7269	81	21	:	:	PUNCT
easat-7269	81	22	2576	2576	NUM
easat-7269	81	23	-	-	SYM
easat-7269	81	24	8484	8484	NUM
easat-7269	81	25	vol	vol	NOUN
easat-7269	81	26	.	.	PROPN
easat-7269	82	1	9	9	NUM
easat-7269	82	2	,	,	PUNCT
easat-7269	82	3	no	no	INTJ
easat-7269	82	4	.	.	NOUN
easat-7269	82	5	5	5	NUM
easat-7269	82	6	:	:	PUNCT
easat-7269	82	7	1711	1711	NUM
easat-7269	82	8	-	-	SYM
easat-7269	82	9	1721	1721	NUM
easat-7269	82	10	,	,	PUNCT
easat-7269	82	11	2025	2025	NUM
easat-7269	82	12	doi	doi	NOUN
easat-7269	82	13	:	:	PUNCT
easat-7269	82	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	82	15	©	©	PROPN
easat-7269	82	16	2025	2025	NUM
easat-7269	82	17	by	by	ADP
easat-7269	82	18	the	the	DET
easat-7269	82	19	authors	author	NOUN
easat-7269	82	20	;	;	PUNCT
easat-7269	82	21	licensee	licensee	PROPN
easat-7269	82	22	learning	learn	VERB
easat-7269	82	23	gate	gate	NOUN
easat-7269	82	24	figure	figure	NOUN
easat-7269	82	25	1	1	NUM
easat-7269	82	26	.	.	PUNCT
easat-7269	82	27	hybrid	hybrid	ADJ
easat-7269	82	28	model	model	NOUN
easat-7269	82	29	architecture	architecture	NOUN
easat-7269	82	30	.	.	PUNCT
easat-7269	83	1	4	4	X
easat-7269	83	2	.	.	NOUN
easat-7269	83	3	results	result	NOUN
easat-7269	83	4	and	and	CCONJ
easat-7269	83	5	discussion	discussion	NOUN
easat-7269	83	6	4.1	4.1	NUM
easat-7269	83	7	.	.	PUNCT
easat-7269	84	1	differences	difference	NOUN
easat-7269	84	2	in	in	ADP
easat-7269	84	3	technology	technology	NOUN
easat-7269	84	4	penetration	penetration	NOUN
easat-7269	84	5	first	first	ADV
easat-7269	84	6	,	,	PUNCT
easat-7269	84	7	original	original	ADJ
easat-7269	84	8	data	datum	NOUN
easat-7269	84	9	(	(	PUNCT
easat-7269	84	10	2018	2018	NUM
easat-7269	84	11	-	-	SYM
easat-7269	84	12	2023	2023	NUM
easat-7269	84	13	)	)	PUNCT
easat-7269	84	14	from	from	ADP
easat-7269	84	15	the	the	DET
easat-7269	84	16	central	central	ADJ
easat-7269	84	17	banks	bank	NOUN
easat-7269	84	18	of	of	ADP
easat-7269	84	19	the	the	DET
easat-7269	84	20	two	two	NUM
easat-7269	84	21	countries	country	NOUN
easat-7269	84	22	,	,	PUNCT
easat-7269	84	23	the	the	DET
easat-7269	84	24	world	world	PROPN
easat-7269	84	25	bank	bank	PROPN
easat-7269	84	26	global	global	ADJ
easat-7269	84	27	findex	findex	NOUN
easat-7269	84	28	and	and	CCONJ
easat-7269	84	29	statista	statista	NOUN
easat-7269	84	30	are	be	AUX
easat-7269	84	31	collected	collect	VERB
easat-7269	84	32	.	.	PUNCT
easat-7269	85	1	secondly	secondly	ADV
easat-7269	85	2	,	,	PUNCT
easat-7269	85	3	outliers	outlier	NOUN
easat-7269	85	4	and	and	CCONJ
easat-7269	85	5	missing	miss	VERB
easat-7269	85	6	items	item	NOUN
easat-7269	85	7	are	be	AUX
easat-7269	85	8	cleaned	clean	VERB
easat-7269	85	9	(	(	PUNCT
easat-7269	85	10	the	the	DET
easat-7269	85	11	missing	miss	VERB
easat-7269	85	12	data	data	NOUN
easat-7269	85	13	rate	rate	NOUN
easat-7269	85	14	in	in	ADP
easat-7269	85	15	china	china	PROPN
easat-7269	85	16	is	be	AUX
easat-7269	85	17	<	<	X
easat-7269	85	18	2	2	NUM
easat-7269	85	19	%	%	NOUN
easat-7269	85	20	,	,	PUNCT
easat-7269	85	21	and	and	CCONJ
easat-7269	85	22	mice	mouse	NOUN
easat-7269	85	23	multiple	multiple	ADJ
easat-7269	85	24	imputation	imputation	NOUN
easat-7269	85	25	is	be	AUX
easat-7269	85	26	used	use	VERB
easat-7269	85	27	in	in	ADP
easat-7269	85	28	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	85	29	)	)	PUNCT
easat-7269	85	30	.	.	PUNCT
easat-7269	86	1	finally	finally	ADV
easat-7269	86	2	,	,	PUNCT
easat-7269	86	3	the	the	DET
easat-7269	86	4	absolute	absolute	ADJ
easat-7269	86	5	value	value	NOUN
easat-7269	86	6	is	be	AUX
easat-7269	86	7	calculated	calculate	VERB
easat-7269	86	8	based	base	VERB
easat-7269	86	9	on	on	ADP
easat-7269	86	10	the	the	DET
easat-7269	86	11	standardized	standardized	ADJ
easat-7269	86	12	formula	formula	NOUN
easat-7269	86	13	"	"	PUNCT
easat-7269	86	14	number	number	NOUN
easat-7269	86	15	of	of	ADP
easat-7269	86	16	mobile	mobile	ADJ
easat-7269	86	17	payment	payment	NOUN
easat-7269	86	18	users	user	NOUN
easat-7269	86	19	=	=	PUNCT
easat-7269	86	20	adult	adult	NOUN
easat-7269	86	21	population	population	NOUN
easat-7269	86	22	×	×	NOUN
easat-7269	86	23	penetration	penetration	NOUN
easat-7269	86	24	rate	rate	NOUN
easat-7269	86	25	"	"	PUNCT
easat-7269	86	26	.	.	PUNCT
easat-7269	87	1	china	china	PROPN
easat-7269	87	2	's	's	PART
easat-7269	87	3	adult	adult	NOUN
easat-7269	87	4	population	population	NOUN
easat-7269	87	5	base	base	NOUN
easat-7269	87	6	is	be	AUX
easat-7269	87	7	calibrated	calibrate	VERB
easat-7269	87	8	by	by	ADP
easat-7269	87	9	the	the	DET
easat-7269	87	10	national	national	PROPN
easat-7269	87	11	bureau	bureau	PROPN
easat-7269	87	12	of	of	ADP
easat-7269	87	13	statistics	statistic	NOUN
easat-7269	87	14	'	'	PART
easat-7269	87	15	annual	annual	ADJ
easat-7269	87	16	sampling	sampling	NOUN
easat-7269	87	17	,	,	PUNCT
easat-7269	87	18	and	and	CCONJ
easat-7269	87	19	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	87	20	uses	use	VERB
easat-7269	87	21	the	the	DET
easat-7269	87	22	united	united	PROPN
easat-7269	87	23	nations	nations	PROPN
easat-7269	87	24	population	population	PROPN
easat-7269	87	25	division	division	NOUN
easat-7269	87	26	's	's	PART
easat-7269	87	27	dynamic	dynamic	ADJ
easat-7269	87	28	correction	correction	NOUN
easat-7269	87	29	model	model	NOUN
easat-7269	87	30	.	.	PUNCT
easat-7269	88	1	figure	figure	NOUN
easat-7269	88	2	2	2	NUM
easat-7269	88	3	shows	show	VERB
easat-7269	88	4	the	the	DET
easat-7269	88	5	data	datum	NOUN
easat-7269	88	6	of	of	ADP
easat-7269	88	7	mobile	mobile	ADJ
easat-7269	88	8	payment	payment	NOUN
easat-7269	88	9	users	user	NOUN
easat-7269	88	10	in	in	ADP
easat-7269	88	11	the	the	DET
easat-7269	88	12	past	past	ADJ
easat-7269	88	13	five	five	NUM
easat-7269	88	14	years	year	NOUN
easat-7269	88	15	:	:	PUNCT
easat-7269	88	16	1717	1717	NUM
easat-7269	88	17	edelweiss	edelweiss	PROPN
easat-7269	88	18	applied	apply	VERB
easat-7269	88	19	science	science	NOUN
easat-7269	88	20	and	and	CCONJ
easat-7269	88	21	technology	technology	NOUN
easat-7269	88	22	issn	issn	PROPN
easat-7269	88	23	:	:	PUNCT
easat-7269	88	24	2576	2576	NUM
easat-7269	88	25	-	-	SYM
easat-7269	88	26	8484	8484	NUM
easat-7269	88	27	vol	vol	NOUN
easat-7269	88	28	.	.	PROPN
easat-7269	89	1	9	9	NUM
easat-7269	89	2	,	,	PUNCT
easat-7269	89	3	no	no	INTJ
easat-7269	89	4	.	.	NOUN
easat-7269	89	5	5	5	NUM
easat-7269	89	6	:	:	PUNCT
easat-7269	89	7	1711	1711	NUM
easat-7269	89	8	-	-	SYM
easat-7269	89	9	1721	1721	NUM
easat-7269	89	10	,	,	PUNCT
easat-7269	89	11	2025	2025	NUM
easat-7269	89	12	doi	doi	NOUN
easat-7269	89	13	:	:	PUNCT
easat-7269	89	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	89	15	©	©	PROPN
easat-7269	89	16	2025	2025	NUM
easat-7269	89	17	by	by	ADP
easat-7269	89	18	the	the	DET
easat-7269	89	19	authors	author	NOUN
easat-7269	89	20	;	;	PUNCT
easat-7269	89	21	licensee	licensee	PROPN
easat-7269	89	22	learning	learn	VERB
easat-7269	89	23	gate	gate	NOUN
easat-7269	89	24	figure	figure	NOUN
easat-7269	89	25	2	2	NUM
easat-7269	89	26	.	.	PUNCT
easat-7269	89	27	comparison	comparison	NOUN
easat-7269	89	28	of	of	ADP
easat-7269	89	29	mobile	mobile	ADJ
easat-7269	89	30	payment	payment	NOUN
easat-7269	89	31	users	user	NOUN
easat-7269	89	32	.	.	PUNCT
easat-7269	90	1	judging	judge	VERB
easat-7269	90	2	from	from	ADP
easat-7269	90	3	the	the	DET
easat-7269	90	4	data	datum	NOUN
easat-7269	90	5	trend	trend	NOUN
easat-7269	90	6	,	,	PUNCT
easat-7269	90	7	the	the	DET
easat-7269	90	8	number	number	NOUN
easat-7269	90	9	of	of	ADP
easat-7269	90	10	mobile	mobile	ADJ
easat-7269	90	11	payment	payment	NOUN
easat-7269	90	12	users	user	NOUN
easat-7269	90	13	in	in	ADP
easat-7269	90	14	china	china	PROPN
easat-7269	90	15	has	have	AUX
easat-7269	90	16	steadily	steadily	ADV
easat-7269	90	17	increased	increase	VERB
easat-7269	90	18	from	from	ADP
easat-7269	90	19	760	760	NUM
easat-7269	90	20	million	million	NUM
easat-7269	90	21	in	in	ADP
easat-7269	90	22	2018	2018	NUM
easat-7269	90	23	to	to	ADP
easat-7269	90	24	908	908	NUM
easat-7269	90	25	million	million	NUM
easat-7269	90	26	in	in	ADP
easat-7269	90	27	2023	2023	NUM
easat-7269	90	28	,	,	PUNCT
easat-7269	90	29	with	with	ADP
easat-7269	90	30	an	an	DET
easat-7269	90	31	average	average	ADJ
easat-7269	90	32	annual	annual	ADJ
easat-7269	90	33	compound	compound	NOUN
easat-7269	90	34	growth	growth	NOUN
easat-7269	90	35	rate	rate	NOUN
easat-7269	90	36	(	(	PUNCT
easat-7269	90	37	cagr	cagr	NOUN
easat-7269	90	38	)	)	PUNCT
easat-7269	90	39	of	of	ADP
easat-7269	90	40	3.6	3.6	NUM
easat-7269	90	41	%	%	NOUN
easat-7269	90	42	.	.	PUNCT
easat-7269	91	1	after	after	SCONJ
easat-7269	91	2	the	the	DET
easat-7269	91	3	penetration	penetration	NOUN
easat-7269	91	4	rate	rate	NOUN
easat-7269	91	5	reaches	reach	VERB
easat-7269	91	6	89	89	NUM
easat-7269	91	7	%	%	NOUN
easat-7269	91	8	,	,	PUNCT
easat-7269	91	9	the	the	DET
easat-7269	91	10	growth	growth	NOUN
easat-7269	91	11	rate	rate	NOUN
easat-7269	91	12	slowes	slowe	NOUN
easat-7269	91	13	down	down	ADP
easat-7269	91	14	significantly	significantly	ADV
easat-7269	91	15	(	(	PUNCT
easat-7269	91	16	only	only	ADV
easat-7269	91	17	2.0	2.0	NUM
easat-7269	91	18	%	%	NOUN
easat-7269	91	19	in	in	ADP
easat-7269	91	20	2023	2023	NUM
easat-7269	91	21	)	)	PUNCT
easat-7269	91	22	,	,	PUNCT
easat-7269	91	23	reflecting	reflect	VERB
easat-7269	91	24	that	that	SCONJ
easat-7269	91	25	the	the	DET
easat-7269	91	26	market	market	NOUN
easat-7269	91	27	is	be	AUX
easat-7269	91	28	becoming	becoming	AUX
easat-7269	91	29	saturated	saturate	VERB
easat-7269	91	30	.	.	PUNCT
easat-7269	92	1	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	92	2	has	have	AUX
easat-7269	92	3	shown	show	VERB
easat-7269	92	4	explosive	explosive	ADJ
easat-7269	92	5	growth	growth	NOUN
easat-7269	92	6	,	,	PUNCT
easat-7269	92	7	with	with	ADP
easat-7269	92	8	the	the	DET
easat-7269	92	9	number	number	NOUN
easat-7269	92	10	of	of	ADP
easat-7269	92	11	users	user	NOUN
easat-7269	92	12	jumping	jump	VERB
easat-7269	92	13	from	from	ADP
easat-7269	92	14	260,000	260,000	NUM
easat-7269	92	15	in	in	ADP
easat-7269	92	16	2018	2018	NUM
easat-7269	92	17	to	to	ADP
easat-7269	92	18	2.01	2.01	NUM
easat-7269	92	19	million	million	NUM
easat-7269	92	20	in	in	ADP
easat-7269	92	21	2023	2023	NUM
easat-7269	92	22	,	,	PUNCT
easat-7269	92	23	with	with	ADP
easat-7269	92	24	a	a	DET
easat-7269	92	25	cagr	cagr	NOUN
easat-7269	92	26	of	of	ADP
easat-7269	92	27	50.8	50.8	NUM
easat-7269	92	28	%	%	NOUN
easat-7269	92	29	.	.	PUNCT
easat-7269	93	1	in	in	ADP
easat-7269	93	2	particular	particular	ADJ
easat-7269	93	3	,	,	PUNCT
easat-7269	93	4	due	due	ADP
easat-7269	93	5	to	to	ADP
easat-7269	93	6	the	the	DET
easat-7269	93	7	promotion	promotion	NOUN
easat-7269	93	8	of	of	ADP
easat-7269	93	9	qr	qr	PROPN
easat-7269	93	10	code	code	NOUN
easat-7269	93	11	payment	payment	NOUN
easat-7269	93	12	from	from	ADP
easat-7269	93	13	2020	2020	NUM
easat-7269	93	14	to	to	ADP
easat-7269	93	15	2022	2022	NUM
easat-7269	93	16	,	,	PUNCT
easat-7269	93	17	the	the	DET
easat-7269	93	18	user	user	NOUN
easat-7269	93	19	scale	scale	NOUN
easat-7269	93	20	has	have	AUX
easat-7269	93	21	expanded	expand	VERB
easat-7269	93	22	4.6	4.6	NUM
easat-7269	93	23	times	time	NOUN
easat-7269	93	24	in	in	ADP
easat-7269	93	25	three	three	NUM
easat-7269	93	26	years	year	NOUN
easat-7269	93	27	(	(	PUNCT
easat-7269	93	28	0.82→1.96	0.82→1.96	NOUN
easat-7269	93	29	million	million	NUM
easat-7269	93	30	)	)	PUNCT
easat-7269	93	31	.	.	PUNCT
easat-7269	94	1	the	the	DET
easat-7269	94	2	technology	technology	NOUN
easat-7269	94	3	penetration	penetration	NOUN
easat-7269	94	4	paths	path	NOUN
easat-7269	94	5	of	of	ADP
easat-7269	94	6	the	the	DET
easat-7269	94	7	two	two	NUM
easat-7269	94	8	countries	country	NOUN
easat-7269	94	9	are	be	AUX
easat-7269	94	10	significantly	significantly	ADV
easat-7269	94	11	different	different	ADJ
easat-7269	94	12	:	:	PUNCT
easat-7269	94	13	china	china	PROPN
easat-7269	94	14	relies	rely	VERB
easat-7269	94	15	on	on	ADP
easat-7269	94	16	a	a	DET
easat-7269	94	17	mature	mature	ADJ
easat-7269	94	18	digital	digital	ADJ
easat-7269	94	19	ecosystem	ecosystem	NOUN
easat-7269	94	20	(	(	PUNCT
easat-7269	94	21	the	the	DET
easat-7269	94	22	duopoly	duopoly	ADJ
easat-7269	94	23	of	of	ADP
easat-7269	94	24	alipay	alipay	PROPN
easat-7269	94	25	and	and	CCONJ
easat-7269	94	26	wechat	wechat	PROPN
easat-7269	94	27	covers	cover	VERB
easat-7269	94	28	95	95	NUM
easat-7269	94	29	%	%	NOUN
easat-7269	94	30	of	of	ADP
easat-7269	94	31	scenarios	scenario	NOUN
easat-7269	94	32	)	)	PUNCT
easat-7269	94	33	to	to	PART
easat-7269	94	34	achieve	achieve	VERB
easat-7269	94	35	in	in	ADP
easat-7269	94	36	-	-	PUNCT
easat-7269	94	37	depth	depth	NOUN
easat-7269	94	38	operations	operation	NOUN
easat-7269	94	39	of	of	ADP
easat-7269	94	40	existing	exist	VERB
easat-7269	94	41	users	user	NOUN
easat-7269	94	42	,	,	PUNCT
easat-7269	94	43	and	and	CCONJ
easat-7269	94	44	the	the	DET
easat-7269	94	45	increase	increase	NOUN
easat-7269	94	46	after	after	ADP
easat-7269	94	47	2021	2021	NUM
easat-7269	94	48	will	will	AUX
easat-7269	94	49	mainly	mainly	ADV
easat-7269	94	50	come	come	VERB
easat-7269	94	51	from	from	ADP
easat-7269	94	52	the	the	DET
easat-7269	94	53	elderly	elderly	ADJ
easat-7269	94	54	group	group	NOUN
easat-7269	94	55	(	(	PUNCT
easat-7269	94	56	the	the	DET
easat-7269	94	57	proportion	proportion	NOUN
easat-7269	94	58	of	of	ADP
easat-7269	94	59	users	user	NOUN
easat-7269	94	60	over	over	ADP
easat-7269	94	61	60	60	NUM
easat-7269	94	62	years	year	NOUN
easat-7269	94	63	old	old	ADJ
easat-7269	94	64	will	will	AUX
easat-7269	94	65	increase	increase	VERB
easat-7269	94	66	from	from	ADP
easat-7269	94	67	4	4	NUM
easat-7269	94	68	%	%	NOUN
easat-7269	94	69	to	to	PART
easat-7269	94	70	11	11	NUM
easat-7269	94	71	%	%	NOUN
easat-7269	94	72	)	)	PUNCT
easat-7269	94	73	.	.	PUNCT
easat-7269	95	1	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	95	2	quickly	quickly	ADV
easat-7269	95	3	fills	fill	VERB
easat-7269	95	4	the	the	DET
easat-7269	95	5	infrastructure	infrastructure	NOUN
easat-7269	95	6	gap	gap	NOUN
easat-7269	95	7	through	through	ADP
easat-7269	95	8	"	"	PUNCT
easat-7269	95	9	lightweight	lightweight	ADJ
easat-7269	95	10	technology	technology	NOUN
easat-7269	95	11	grafting	grafting	NOUN
easat-7269	95	12	"	"	PUNCT
easat-7269	95	13	(	(	PUNCT
easat-7269	95	14	directly	directly	ADV
easat-7269	95	15	introducing	introduce	VERB
easat-7269	95	16	china	china	PROPN
easat-7269	95	17	's	's	PART
easat-7269	95	18	qr	qr	PROPN
easat-7269	95	19	code	code	PROPN
easat-7269	95	20	standard	standard	NOUN
easat-7269	95	21	)	)	PUNCT
easat-7269	95	22	,	,	PUNCT
easat-7269	95	23	and	and	CCONJ
easat-7269	95	24	the	the	DET
easat-7269	95	25	sudden	sudden	ADJ
easat-7269	95	26	increase	increase	NOUN
easat-7269	95	27	in	in	ADP
easat-7269	95	28	users	user	NOUN
easat-7269	95	29	in	in	ADP
easat-7269	95	30	2023	2023	NUM
easat-7269	95	31	is	be	AUX
easat-7269	95	32	mainly	mainly	ADV
easat-7269	95	33	due	due	ADJ
easat-7269	95	34	to	to	ADP
easat-7269	95	35	the	the	DET
easat-7269	95	36	implementation	implementation	NOUN
easat-7269	95	37	of	of	ADP
easat-7269	95	38	the	the	DET
easat-7269	95	39	agency	agency	NOUN
easat-7269	95	40	banking	banking	NOUN
easat-7269	95	41	model	model	NOUN
easat-7269	95	42	in	in	ADP
easat-7269	95	43	remote	remote	ADJ
easat-7269	95	44	areas	area	NOUN
easat-7269	95	45	(	(	PUNCT
easat-7269	95	46	the	the	DET
easat-7269	95	47	proportion	proportion	NOUN
easat-7269	95	48	of	of	ADP
easat-7269	95	49	rural	rural	ADJ
easat-7269	95	50	users	user	NOUN
easat-7269	95	51	will	will	AUX
easat-7269	95	52	increase	increase	VERB
easat-7269	95	53	from	from	ADP
easat-7269	95	54	18	18	NUM
easat-7269	95	55	%	%	NOUN
easat-7269	95	56	to	to	ADP
easat-7269	95	57	43	43	NUM
easat-7269	95	58	%	%	NOUN
easat-7269	95	59	)	)	PUNCT
easat-7269	95	60	.	.	PUNCT
easat-7269	96	1	it	it	PRON
easat-7269	96	2	is	be	AUX
easat-7269	96	3	worth	worth	ADJ
easat-7269	96	4	noting	note	VERB
easat-7269	96	5	that	that	SCONJ
easat-7269	96	6	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	96	7	's	's	PART
easat-7269	96	8	marginal	marginal	ADJ
easat-7269	96	9	growth	growth	NOUN
easat-7269	96	10	in	in	ADP
easat-7269	96	11	the	the	DET
easat-7269	96	12	number	number	NOUN
easat-7269	96	13	of	of	ADP
easat-7269	96	14	users	user	NOUN
easat-7269	96	15	in	in	ADP
easat-7269	96	16	2023	2023	NUM
easat-7269	96	17	is	be	AUX
easat-7269	96	18	only	only	ADV
easat-7269	96	19	25,000	25,000	NUM
easat-7269	96	20	(	(	PUNCT
easat-7269	96	21	+1.3	+1.3	NUM
easat-7269	96	22	%	%	NOUN
easat-7269	96	23	)	)	PUNCT
easat-7269	96	24	,	,	PUNCT
easat-7269	96	25	suggesting	suggest	VERB
easat-7269	96	26	that	that	SCONJ
easat-7269	96	27	its	its	PRON
easat-7269	96	28	single	single	ADJ
easat-7269	96	29	-	-	PUNCT
easat-7269	96	30	point	point	NOUN
easat-7269	96	31	breakthrough	breakthrough	NOUN
easat-7269	96	32	strategy	strategy	NOUN
easat-7269	96	33	faces	face	VERB
easat-7269	96	34	a	a	DET
easat-7269	96	35	ceiling	ceiling	NOUN
easat-7269	96	36	and	and	CCONJ
easat-7269	96	37	needs	need	VERB
easat-7269	96	38	to	to	PART
easat-7269	96	39	turn	turn	VERB
easat-7269	96	40	to	to	ADP
easat-7269	96	41	refined	refined	ADJ
easat-7269	96	42	service	service	NOUN
easat-7269	96	43	innovation	innovation	NOUN
easat-7269	96	44	,	,	PUNCT
easat-7269	96	45	while	while	SCONJ
easat-7269	96	46	china	china	PROPN
easat-7269	96	47	needs	need	VERB
easat-7269	96	48	to	to	PART
easat-7269	96	49	activate	activate	VERB
easat-7269	96	50	its	its	PRON
easat-7269	96	51	existing	exist	VERB
easat-7269	96	52	value	value	NOUN
easat-7269	96	53	through	through	ADP
easat-7269	96	54	cross	cross	ADJ
easat-7269	96	55	-	-	ADJ
easat-7269	96	56	border	border	ADJ
easat-7269	96	57	scenario	scenario	NOUN
easat-7269	96	58	expansion	expansion	NOUN
easat-7269	96	59	(	(	PUNCT
easat-7269	96	60	such	such	ADJ
easat-7269	96	61	as	as	ADP
easat-7269	96	62	digital	digital	ADJ
easat-7269	96	63	rmb	rmb	NOUN
easat-7269	96	64	interconnection	interconnection	NOUN
easat-7269	96	65	)	)	PUNCT
easat-7269	96	66	.	.	PUNCT
easat-7269	97	1	4.2	4.2	NUM
easat-7269	97	2	.	.	PUNCT
easat-7269	97	3	model	model	NOUN
easat-7269	97	4	innovation	innovation	NOUN
easat-7269	97	5	effectiveness	effectiveness	NOUN
easat-7269	97	6	the	the	DET
easat-7269	97	7	effect	effect	NOUN
easat-7269	97	8	of	of	ADP
easat-7269	97	9	model	model	NOUN
easat-7269	97	10	innovation	innovation	NOUN
easat-7269	97	11	in	in	ADP
easat-7269	97	12	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	97	13	is	be	AUX
easat-7269	97	14	studied	study	VERB
easat-7269	97	15	,	,	PUNCT
easat-7269	97	16	and	and	CCONJ
easat-7269	97	17	the	the	DET
easat-7269	97	18	changes	change	NOUN
easat-7269	97	19	in	in	ADP
easat-7269	97	20	merchant	merchant	NOUN
easat-7269	97	21	access	access	NOUN
easat-7269	97	22	costs	cost	NOUN
easat-7269	97	23	and	and	CCONJ
easat-7269	97	24	average	average	ADJ
easat-7269	97	25	daily	daily	ADJ
easat-7269	97	26	transaction	transaction	NOUN
easat-7269	97	27	volume	volume	NOUN
easat-7269	97	28	in	in	ADP
easat-7269	97	29	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	97	30	over	over	ADP
easat-7269	97	31	the	the	DET
easat-7269	97	32	past	past	ADJ
easat-7269	97	33	five	five	NUM
easat-7269	97	34	years	year	NOUN
easat-7269	97	35	are	be	AUX
easat-7269	97	36	counted	count	VERB
easat-7269	97	37	.	.	PUNCT
easat-7269	98	1	three	three	NUM
easat-7269	98	2	core	core	NOUN
easat-7269	98	3	deployments	deployment	NOUN
easat-7269	98	4	are	be	AUX
easat-7269	98	5	completed	complete	VERB
easat-7269	98	6	in	in	ADP
easat-7269	98	7	the	the	DET
easat-7269	98	8	early	early	ADJ
easat-7269	98	9	stage	stage	NOUN
easat-7269	98	10	:	:	PUNCT
easat-7269	98	11	the	the	DET
easat-7269	98	12	introduction	introduction	NOUN
easat-7269	98	13	of	of	ADP
easat-7269	98	14	china	china	PROPN
easat-7269	98	15	unionpay	unionpay	PROPN
easat-7269	98	16	qr	qr	PROPN
easat-7269	98	17	code	code	NOUN
easat-7269	98	18	standards	standard	NOUN
easat-7269	98	19	(	(	PUNCT
easat-7269	98	20	compatible	compatible	ADJ
easat-7269	98	21	with	with	ADP
easat-7269	98	22	emvco	emvco	NOUN
easat-7269	98	23	and	and	CCONJ
easat-7269	98	24	national	national	ADJ
easat-7269	98	25	encryption	encryption	NOUN
easat-7269	98	26	algorithms	algorithm	NOUN
easat-7269	98	27	)	)	PUNCT
easat-7269	98	28	on	on	ADP
easat-7269	98	29	the	the	DET
easat-7269	98	30	technical	technical	ADJ
easat-7269	98	31	side	side	NOUN
easat-7269	98	32	,	,	PUNCT
easat-7269	98	33	and	and	CCONJ
easat-7269	98	34	the	the	DET
easat-7269	98	35	deployment	deployment	NOUN
easat-7269	98	36	of	of	ADP
easat-7269	98	37	lightweight	lightweight	ADJ
easat-7269	98	38	m	m	NOUN
easat-7269	98	39	-	-	PUNCT
easat-7269	98	40	pos	pos	NOUN
easat-7269	98	41	equipment	equipment	NOUN
easat-7269	98	42	.	.	PUNCT
easat-7269	99	1	the	the	DET
easat-7269	99	2	policy	policy	NOUN
easat-7269	99	3	side	side	NOUN
easat-7269	99	4	jointly	jointly	ADV
easat-7269	99	5	issues	issue	VERB
easat-7269	99	6	the	the	DET
easat-7269	99	7	qr	qr	PROPN
easat-7269	99	8	code	code	NOUN
easat-7269	99	9	acquiring	acquire	VERB
easat-7269	99	10	business	business	NOUN
easat-7269	99	11	1718	1718	NUM
easat-7269	99	12	edelweiss	edelweiss	PROPN
easat-7269	99	13	applied	apply	VERB
easat-7269	99	14	science	science	NOUN
easat-7269	99	15	and	and	CCONJ
easat-7269	99	16	technology	technology	NOUN
easat-7269	99	17	issn	issn	PROPN
easat-7269	99	18	:	:	PUNCT
easat-7269	99	19	2576	2576	NUM
easat-7269	99	20	-	-	SYM
easat-7269	99	21	8484	8484	NUM
easat-7269	99	22	vol	vol	NOUN
easat-7269	99	23	.	.	PROPN
easat-7269	100	1	9	9	NUM
easat-7269	100	2	,	,	PUNCT
easat-7269	100	3	no	no	INTJ
easat-7269	100	4	.	.	NOUN
easat-7269	100	5	5	5	NUM
easat-7269	100	6	:	:	PUNCT
easat-7269	100	7	1711	1711	NUM
easat-7269	100	8	-	-	SYM
easat-7269	100	9	1721	1721	NUM
easat-7269	100	10	,	,	PUNCT
easat-7269	100	11	2025	2025	NUM
easat-7269	100	12	doi	doi	NOUN
easat-7269	100	13	:	:	PUNCT
easat-7269	100	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	100	15	©	©	PROPN
easat-7269	100	16	2025	2025	NUM
easat-7269	100	17	by	by	ADP
easat-7269	100	18	the	the	DET
easat-7269	100	19	authors	author	NOUN
easat-7269	100	20	;	;	PUNCT
easat-7269	100	21	licensee	licensee	PROPN
easat-7269	100	22	learning	learn	VERB
easat-7269	100	23	gate	gate	NOUN
easat-7269	100	24	guidelines	guideline	NOUN
easat-7269	100	25	with	with	ADP
easat-7269	100	26	the	the	DET
easat-7269	100	27	central	central	ADJ
easat-7269	100	28	bank	bank	NOUN
easat-7269	100	29	,	,	PUNCT
easat-7269	100	30	exempting	exempt	VERB
easat-7269	100	31	small	small	ADJ
easat-7269	100	32	and	and	CCONJ
easat-7269	100	33	micro	micro	ADJ
easat-7269	100	34	merchants	merchant	NOUN
easat-7269	100	35	from	from	ADP
easat-7269	100	36	the	the	DET
easat-7269	100	37	first	first	ADJ
easat-7269	100	38	year	year	NOUN
easat-7269	100	39	's	's	PART
easat-7269	100	40	handling	handling	NOUN
easat-7269	100	41	fees	fee	NOUN
easat-7269	100	42	.	.	PUNCT
easat-7269	101	1	the	the	DET
easat-7269	101	2	operation	operation	NOUN
easat-7269	101	3	side	side	NOUN
easat-7269	101	4	establishes	establish	VERB
easat-7269	101	5	a	a	DET
easat-7269	101	6	four	four	NUM
easat-7269	101	7	-	-	PUNCT
easat-7269	101	8	level	level	NOUN
easat-7269	101	9	agency	agency	NOUN
easat-7269	101	10	network	network	NOUN
easat-7269	101	11	(	(	PUNCT
easat-7269	101	12	country	country	NOUN
easat-7269	101	13	-	-	PUNCT
easat-7269	101	14	state	state	NOUN
easat-7269	101	15	-	-	PUNCT
easat-7269	101	16	district	district	NOUN
easat-7269	101	17	-	-	PUNCT
easat-7269	101	18	village	village	NOUN
easat-7269	101	19	)	)	PUNCT
easat-7269	101	20	through	through	ADP
easat-7269	101	21	optima	optima	PROPN
easat-7269	101	22	bank	bank	PROPN
easat-7269	101	23	,	,	PUNCT
easat-7269	101	24	and	and	CCONJ
easat-7269	101	25	selects	select	VERB
easat-7269	101	26	6	6	NUM
easat-7269	101	27	pilot	pilot	NOUN
easat-7269	101	28	states	state	NOUN
easat-7269	101	29	(	(	PUNCT
easat-7269	101	30	jalalabad	jalalabad	PROPN
easat-7269	101	31	,	,	PUNCT
easat-7269	101	32	naryn	naryn	NOUN
easat-7269	101	33	,	,	PUNCT
easat-7269	101	34	etc	etc	X
easat-7269	101	35	.	.	X
easat-7269	101	36	)	)	PUNCT
easat-7269	101	37	to	to	PART
easat-7269	101	38	carry	carry	VERB
easat-7269	101	39	out	out	ADP
easat-7269	101	40	merchant	merchant	NOUN
easat-7269	101	41	training	training	NOUN
easat-7269	101	42	(	(	PUNCT
easat-7269	101	43	coverage	coverage	NOUN
easat-7269	101	44	rate	rate	NOUN
easat-7269	101	45	82	82	NUM
easat-7269	101	46	%	%	NOUN
easat-7269	101	47	)	)	PUNCT
easat-7269	101	48	.	.	PUNCT
easat-7269	102	1	figure	figure	NOUN
easat-7269	102	2	3	3	NUM
easat-7269	102	3	shows	show	VERB
easat-7269	102	4	the	the	DET
easat-7269	102	5	statistical	statistical	ADJ
easat-7269	102	6	results	result	NOUN
easat-7269	102	7	:	:	PUNCT
easat-7269	102	8	figure	figure	VERB
easat-7269	102	9	3	3	NUM
easat-7269	102	10	.	.	NOUN
easat-7269	102	11	access	access	NOUN
easat-7269	102	12	costs	cost	NOUN
easat-7269	102	13	and	and	CCONJ
easat-7269	102	14	transaction	transaction	NOUN
easat-7269	102	15	volume	volume	NOUN
easat-7269	102	16	of	of	ADP
easat-7269	102	17	small	small	ADJ
easat-7269	102	18	and	and	CCONJ
easat-7269	102	19	micro	micro	ADJ
easat-7269	102	20	businesses	business	NOUN
easat-7269	102	21	in	in	ADP
easat-7269	102	22	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	102	23	.	.	PUNCT
easat-7269	103	1	the	the	DET
easat-7269	103	2	access	access	NOUN
easat-7269	103	3	cost	cost	NOUN
easat-7269	103	4	for	for	ADP
easat-7269	103	5	small	small	ADJ
easat-7269	103	6	and	and	CCONJ
easat-7269	103	7	micro	micro	ADJ
easat-7269	103	8	merchants	merchant	NOUN
easat-7269	103	9	in	in	ADP
easat-7269	103	10	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	103	11	has	have	AUX
easat-7269	103	12	dropped	drop	VERB
easat-7269	103	13	from	from	ADP
easat-7269	103	14	us$138	us$138	NOUN
easat-7269	103	15	in	in	ADP
easat-7269	103	16	2018	2018	NUM
easat-7269	103	17	to	to	ADP
easat-7269	103	18	us$36	us$36	NOUN
easat-7269	103	19	in	in	ADP
easat-7269	103	20	2023	2023	NUM
easat-7269	103	21	,	,	PUNCT
easat-7269	103	22	mainly	mainly	ADV
easat-7269	103	23	due	due	ADP
easat-7269	103	24	to	to	ADP
easat-7269	103	25	the	the	DET
easat-7269	103	26	unification	unification	NOUN
easat-7269	103	27	of	of	ADP
easat-7269	103	28	technical	technical	ADJ
easat-7269	103	29	standards	standard	NOUN
easat-7269	103	30	and	and	CCONJ
easat-7269	103	31	the	the	DET
easat-7269	103	32	m	m	NOUN
easat-7269	103	33	-	-	PUNCT
easat-7269	103	34	pos	pos	NOUN
easat-7269	103	35	equipment	equipment	NOUN
easat-7269	103	36	subsidy	subsidy	NOUN
easat-7269	103	37	policy	policy	NOUN
easat-7269	103	38	in	in	ADP
easat-7269	103	39	2020	2020	NUM
easat-7269	103	40	;	;	PUNCT
easat-7269	103	41	the	the	DET
easat-7269	103	42	average	average	ADJ
easat-7269	103	43	daily	daily	ADJ
easat-7269	103	44	transaction	transaction	NOUN
easat-7269	103	45	volume	volume	NOUN
easat-7269	103	46	has	have	AUX
easat-7269	103	47	increased	increase	VERB
easat-7269	103	48	from	from	ADP
easat-7269	103	49	9	9	NUM
easat-7269	103	50	to	to	ADP
easat-7269	103	51	94	94	NUM
easat-7269	103	52	(	(	PUNCT
easat-7269	103	53	a	a	DET
easat-7269	103	54	9.4	9.4	NUM
easat-7269	103	55	-	-	ADJ
easat-7269	103	56	fold	fold	ADJ
easat-7269	103	57	increase	increase	NOUN
easat-7269	103	58	)	)	PUNCT
easat-7269	103	59	,	,	PUNCT
easat-7269	103	60	with	with	ADP
easat-7269	103	61	an	an	DET
easat-7269	103	62	increase	increase	NOUN
easat-7269	103	63	of	of	ADP
easat-7269	103	64	67.6	67.6	NUM
easat-7269	103	65	%	%	NOUN
easat-7269	103	66	from	from	ADP
easat-7269	103	67	2020	2020	NUM
easat-7269	103	68	to	to	ADP
easat-7269	103	69	2021	2021	NUM
easat-7269	103	70	(	(	PUNCT
easat-7269	103	71	37→62	37→62	NUM
easat-7269	103	72	transactions	transaction	NOUN
easat-7269	103	73	)	)	PUNCT
easat-7269	103	74	,	,	PUNCT
easat-7269	103	75	mainly	mainly	ADV
easat-7269	103	76	because	because	SCONJ
easat-7269	103	77	the	the	DET
easat-7269	103	78	epidemic	epidemic	NOUN
easat-7269	103	79	has	have	AUX
easat-7269	103	80	given	give	VERB
easat-7269	103	81	rise	rise	NOUN
easat-7269	103	82	to	to	ADP
easat-7269	103	83	the	the	DET
easat-7269	103	84	urgent	urgent	ADJ
easat-7269	103	85	need	need	NOUN
easat-7269	103	86	for	for	ADP
easat-7269	103	87	contactless	contactless	ADJ
easat-7269	103	88	payment	payment	NOUN
easat-7269	103	89	.	.	PUNCT
easat-7269	104	1	the	the	DET
easat-7269	104	2	key	key	ADJ
easat-7269	104	3	turning	turning	NOUN
easat-7269	104	4	point	point	NOUN
easat-7269	104	5	occurred	occur	VERB
easat-7269	104	6	in	in	ADP
easat-7269	104	7	2020	2020	NUM
easat-7269	104	8	:	:	PUNCT
easat-7269	104	9	after	after	SCONJ
easat-7269	104	10	qr	qr	PROPN
easat-7269	104	11	code	code	PROPN
easat-7269	104	12	payment	payment	NOUN
easat-7269	104	13	is	be	AUX
easat-7269	104	14	included	include	VERB
easat-7269	104	15	in	in	ADP
easat-7269	104	16	the	the	DET
easat-7269	104	17	national	national	ADJ
easat-7269	104	18	retail	retail	ADJ
easat-7269	104	19	infrastructure	infrastructure	NOUN
easat-7269	104	20	plan	plan	NOUN
easat-7269	104	21	,	,	PUNCT
easat-7269	104	22	the	the	DET
easat-7269	104	23	proportion	proportion	NOUN
easat-7269	104	24	of	of	ADP
easat-7269	104	25	rural	rural	ADJ
easat-7269	104	26	merchants	merchant	NOUN
easat-7269	104	27	jumped	jump	VERB
easat-7269	104	28	from	from	ADP
easat-7269	104	29	12	12	NUM
easat-7269	104	30	%	%	NOUN
easat-7269	104	31	to	to	PART
easat-7269	104	32	39	39	NUM
easat-7269	104	33	%	%	NOUN
easat-7269	104	34	(	(	PUNCT
easat-7269	104	35	58	58	NUM
easat-7269	104	36	%	%	NOUN
easat-7269	104	37	in	in	ADP
easat-7269	104	38	2023	2023	NUM
easat-7269	104	39	)	)	PUNCT
easat-7269	104	40	,	,	PUNCT
easat-7269	104	41	but	but	CCONJ
easat-7269	104	42	the	the	DET
easat-7269	104	43	transaction	transaction	NOUN
easat-7269	104	44	volume	volume	NOUN
easat-7269	104	45	growth	growth	NOUN
easat-7269	104	46	rate	rate	NOUN
easat-7269	104	47	slowed	slow	VERB
easat-7269	104	48	to	to	ADP
easat-7269	104	49	5.6	5.6	NUM
easat-7269	104	50	%	%	NOUN
easat-7269	104	51	in	in	ADP
easat-7269	104	52	2023	2023	NUM
easat-7269	104	53	(	(	PUNCT
easat-7269	104	54	89→94	89→94	NUM
easat-7269	104	55	transactions	transaction	NOUN
easat-7269	104	56	)	)	PUNCT
easat-7269	104	57	,	,	PUNCT
easat-7269	104	58	reflecting	reflect	VERB
easat-7269	104	59	that	that	SCONJ
easat-7269	104	60	the	the	DET
easat-7269	104	61	low	low	ADJ
easat-7269	104	62	-	-	PUNCT
easat-7269	104	63	tier	tier	NOUN
easat-7269	104	64	city	city	NOUN
easat-7269	104	65	market	market	NOUN
easat-7269	104	66	is	be	AUX
easat-7269	104	67	saturated	saturate	VERB
easat-7269	104	68	and	and	CCONJ
easat-7269	104	69	needs	need	VERB
easat-7269	104	70	to	to	PART
easat-7269	104	71	increase	increase	VERB
easat-7269	104	72	the	the	DET
easat-7269	104	73	transaction	transaction	NOUN
easat-7269	104	74	value	value	NOUN
easat-7269	104	75	of	of	ADP
easat-7269	104	76	a	a	DET
easat-7269	104	77	single	single	ADJ
easat-7269	104	78	merchant	merchant	NOUN
easat-7269	104	79	through	through	ADP
easat-7269	104	80	value	value	NOUN
easat-7269	104	81	-	-	PUNCT
easat-7269	104	82	added	add	VERB
easat-7269	104	83	services	service	NOUN
easat-7269	104	84	(	(	PUNCT
easat-7269	104	85	such	such	ADJ
easat-7269	104	86	as	as	ADP
easat-7269	104	87	supply	supply	NOUN
easat-7269	104	88	chain	chain	NOUN
easat-7269	104	89	credit	credit	NOUN
easat-7269	104	90	preapproval	preapproval	PROPN
easat-7269	104	91	)	)	PUNCT
easat-7269	104	92	.	.	PUNCT
easat-7269	105	1	the	the	DET
easat-7269	105	2	current	current	ADJ
easat-7269	105	3	average	average	ADJ
easat-7269	105	4	transaction	transaction	NOUN
easat-7269	105	5	amount	amount	NOUN
easat-7269	105	6	of	of	ADP
easat-7269	105	7	rural	rural	ADJ
easat-7269	105	8	merchants	merchant	NOUN
easat-7269	105	9	is	be	AUX
easat-7269	105	10	only	only	ADV
easat-7269	105	11	$	$	SYM
easat-7269	105	12	4.2	4.2	NUM
easat-7269	105	13	,	,	PUNCT
easat-7269	105	14	which	which	PRON
easat-7269	105	15	is	be	AUX
easat-7269	105	16	63	63	NUM
easat-7269	105	17	%	%	NOUN
easat-7269	105	18	lower	low	ADJ
easat-7269	105	19	than	than	ADP
easat-7269	105	20	that	that	PRON
easat-7269	105	21	of	of	ADP
easat-7269	105	22	cities	city	NOUN
easat-7269	105	23	.	.	PUNCT
easat-7269	106	1	on	on	ADP
easat-7269	106	2	the	the	DET
easat-7269	106	3	cost	cost	NOUN
easat-7269	106	4	side	side	NOUN
easat-7269	106	5	,	,	PUNCT
easat-7269	106	6	due	due	ADP
easat-7269	106	7	to	to	ADP
easat-7269	106	8	the	the	DET
easat-7269	106	9	increase	increase	NOUN
easat-7269	106	10	in	in	ADP
easat-7269	106	11	the	the	DET
easat-7269	106	12	localization	localization	NOUN
easat-7269	106	13	rate	rate	NOUN
easat-7269	106	14	of	of	ADP
easat-7269	106	15	equipment	equipment	NOUN
easat-7269	106	16	(	(	PUNCT
easat-7269	106	17	reaching	reach	VERB
easat-7269	106	18	71	71	NUM
easat-7269	106	19	%	%	NOUN
easat-7269	106	20	in	in	ADP
easat-7269	106	21	2023	2023	NUM
easat-7269	106	22	)	)	PUNCT
easat-7269	106	23	,	,	PUNCT
easat-7269	106	24	the	the	DET
easat-7269	106	25	cost	cost	NOUN
easat-7269	106	26	will	will	AUX
easat-7269	106	27	maintain	maintain	VERB
easat-7269	106	28	a	a	DET
easat-7269	106	29	steady	steady	ADJ
easat-7269	106	30	state	state	NOUN
easat-7269	106	31	of	of	ADP
easat-7269	106	32	zero	zero	NUM
easat-7269	106	33	decline	decline	NOUN
easat-7269	106	34	.	.	PUNCT
easat-7269	107	1	future	future	ADJ
easat-7269	107	2	optimization	optimization	NOUN
easat-7269	107	3	needs	need	VERB
easat-7269	107	4	to	to	PART
easat-7269	107	5	focus	focus	VERB
easat-7269	107	6	on	on	ADP
easat-7269	107	7	saas	saas	NOUN
easat-7269	107	8	software	software	NOUN
easat-7269	107	9	services	service	NOUN
easat-7269	107	10	to	to	PART
easat-7269	107	11	replace	replace	VERB
easat-7269	107	12	hardware	hardware	NOUN
easat-7269	107	13	investment	investment	NOUN
easat-7269	107	14	.	.	PUNCT
easat-7269	108	1	4.3	4.3	NUM
easat-7269	108	2	.	.	PUNCT
easat-7269	108	3	policy	policy	NOUN
easat-7269	108	4	collaborative	collaborative	ADJ
easat-7269	108	5	experiment	experiment	NOUN
easat-7269	108	6	the	the	DET
easat-7269	108	7	china	china	PROPN
easat-7269	108	8	-	-	PUNCT
easat-7269	108	9	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	108	10	digital	digital	PROPN
easat-7269	108	11	identity	identity	NOUN
easat-7269	108	12	mutual	mutual	ADJ
easat-7269	108	13	recognition	recognition	NOUN
easat-7269	108	14	test	test	NOUN
easat-7269	108	15	project	project	NOUN
easat-7269	108	16	is	be	AUX
easat-7269	108	17	implemented	implement	VERB
easat-7269	108	18	in	in	ADP
easat-7269	108	19	three	three	NUM
easat-7269	108	20	phases	phase	NOUN
easat-7269	108	21	:	:	PUNCT
easat-7269	108	22	technical	technical	ADJ
easat-7269	108	23	docking	docking	NOUN
easat-7269	108	24	period	period	NOUN
easat-7269	108	25	(	(	PUNCT
easat-7269	108	26	2018	2018	NUM
easat-7269	108	27	-	-	SYM
easat-7269	108	28	2019	2019	NUM
easat-7269	108	29	):	):	PUNCT
easat-7269	108	30	building	build	VERB
easat-7269	108	31	bilateral	bilateral	ADJ
easat-7269	108	32	blockchain	blockchain	PROPN
easat-7269	108	33	nodes	node	NOUN
easat-7269	108	34	based	base	VERB
easat-7269	108	35	on	on	ADP
easat-7269	108	36	hyperledger	hyperledger	NOUN
easat-7269	108	37	fabric	fabric	NOUN
easat-7269	108	38	,	,	PUNCT
easat-7269	108	39	developing	develop	VERB
easat-7269	108	40	a	a	DET
easat-7269	108	41	digital	digital	ADJ
easat-7269	108	42	identity	identity	NOUN
easat-7269	108	43	verification	verification	NOUN
easat-7269	108	44	protocol	protocol	NOUN
easat-7269	108	45	that	that	PRON
easat-7269	108	46	complies	comply	VERB
easat-7269	108	47	with	with	ADP
easat-7269	108	48	the	the	DET
easat-7269	108	49	iso	iso	NOUN
easat-7269	108	50	18013	18013	NUM
easat-7269	108	51	-	-	SYM
easat-7269	108	52	5	5	NUM
easat-7269	108	53	standard	standard	NOUN
easat-7269	108	54	,	,	PUNCT
easat-7269	108	55	and	and	CCONJ
easat-7269	108	56	realizing	realize	VERB
easat-7269	108	57	on	on	ADP
easat-7269	108	58	-	-	PUNCT
easat-7269	108	59	chain	chain	NOUN
easat-7269	108	60	one	one	NUM
easat-7269	108	61	-	-	PUNCT
easat-7269	108	62	way	way	NOUN
easat-7269	108	63	hash	hash	NOUN
easat-7269	108	64	mapping	mapping	NOUN
easat-7269	108	65	of	of	ADP
easat-7269	108	66	name	name	NOUN
easat-7269	108	67	,	,	PUNCT
easat-7269	108	68	passport	passport	NOUN
easat-7269	108	69	number	number	NOUN
easat-7269	108	70	,	,	PUNCT
easat-7269	108	71	and	and	CCONJ
easat-7269	108	72	biometrics	biometric	NOUN
easat-7269	108	73	(	(	PUNCT
easat-7269	108	74	ctid	ctid	NOUN
easat-7269	108	75	of	of	ADP
easat-7269	108	76	the	the	DET
easat-7269	108	77	chinese	chinese	PROPN
easat-7269	108	78	ministry	ministry	PROPN
easat-7269	108	79	of	of	ADP
easat-7269	108	80	public	public	ADJ
easat-7269	108	81	security	security	NOUN
easat-7269	108	82	and	and	CCONJ
easat-7269	108	83	kyrgyz	kyrgyz	PROPN
easat-7269	108	84	megaid	megaid	PROPN
easat-7269	108	85	data	data	PROPN
easat-7269	108	86	)	)	PUNCT
easat-7269	108	87	.	.	PUNCT
easat-7269	109	1	sandbox	sandbox	PROPN
easat-7269	109	2	pilot	pilot	PROPN
easat-7269	109	3	1719	1719	NUM
easat-7269	109	4	edelweiss	edelweiss	PROPN
easat-7269	109	5	applied	apply	VERB
easat-7269	109	6	science	science	NOUN
easat-7269	109	7	and	and	CCONJ
easat-7269	109	8	technology	technology	NOUN
easat-7269	109	9	issn	issn	PROPN
easat-7269	109	10	:	:	PUNCT
easat-7269	109	11	2576	2576	NUM
easat-7269	109	12	-	-	SYM
easat-7269	109	13	8484	8484	NUM
easat-7269	109	14	vol	vol	NOUN
easat-7269	109	15	.	.	PROPN
easat-7269	110	1	9	9	NUM
easat-7269	110	2	,	,	PUNCT
easat-7269	110	3	no	no	INTJ
easat-7269	110	4	.	.	NOUN
easat-7269	110	5	5	5	NUM
easat-7269	110	6	:	:	PUNCT
easat-7269	110	7	1711	1711	NUM
easat-7269	110	8	-	-	SYM
easat-7269	110	9	1721	1721	NUM
easat-7269	110	10	,	,	PUNCT
easat-7269	110	11	2025	2025	NUM
easat-7269	110	12	doi	doi	NOUN
easat-7269	110	13	:	:	PUNCT
easat-7269	110	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	110	15	©	©	PROPN
easat-7269	110	16	2025	2025	NUM
easat-7269	110	17	by	by	ADP
easat-7269	110	18	the	the	DET
easat-7269	110	19	authors	author	NOUN
easat-7269	110	20	;	;	PUNCT
easat-7269	110	21	licensee	licensee	PROPN
easat-7269	110	22	learning	learning	NOUN
easat-7269	110	23	gate	gate	PROPN
easat-7269	110	24	period	period	NOUN
easat-7269	110	25	(	(	PUNCT
easat-7269	110	26	2020	2020	NUM
easat-7269	110	27	-	-	SYM
easat-7269	110	28	2021	2021	NUM
easat-7269	110	29	):	):	PUNCT
easat-7269	110	30	setting	set	VERB
easat-7269	110	31	up	up	ADP
easat-7269	110	32	experimental	experimental	ADJ
easat-7269	110	33	scenarios	scenario	NOUN
easat-7269	110	34	in	in	ADP
easat-7269	110	35	horgos	horgos	ADJ
easat-7269	110	36	economic	economic	ADJ
easat-7269	110	37	zone	zone	NOUN
easat-7269	110	38	and	and	CCONJ
easat-7269	110	39	issyk	issyk	PROPN
easat-7269	110	40	-	-	PUNCT
easat-7269	110	41	kul	kul	PROPN
easat-7269	110	42	free	free	ADJ
easat-7269	110	43	trade	trade	NOUN
easat-7269	110	44	zone	zone	NOUN
easat-7269	110	45	,	,	PUNCT
easat-7269	110	46	allowing	allow	VERB
easat-7269	110	47	17	17	NUM
easat-7269	110	48	banks	bank	NOUN
easat-7269	110	49	to	to	PART
easat-7269	110	50	access	access	VERB
easat-7269	110	51	the	the	DET
easat-7269	110	52	system	system	NOUN
easat-7269	110	53	,	,	PUNCT
easat-7269	110	54	and	and	CCONJ
easat-7269	110	55	adopting	adopt	VERB
easat-7269	110	56	a	a	DET
easat-7269	110	57	dynamic	dynamic	ADJ
easat-7269	110	58	fee	fee	NOUN
easat-7269	110	59	model	model	NOUN
easat-7269	110	60	(	(	PUNCT
easat-7269	110	61	base	base	NOUN
easat-7269	110	62	rate	rate	NOUN
easat-7269	110	63	=	=	SYM
easat-7269	110	64	basic	basic	ADJ
easat-7269	110	65	cost	cost	NOUN
easat-7269	110	66	+	+	NOUN
easat-7269	110	67	risk	risk	NOUN
easat-7269	110	68	premium	premium	NOUN
easat-7269	110	69	)	)	PUNCT
easat-7269	110	70	;	;	PUNCT
easat-7269	110	71	large	large	ADJ
easat-7269	110	72	-	-	PUNCT
easat-7269	110	73	scale	scale	NOUN
easat-7269	110	74	promotion	promotion	NOUN
easat-7269	110	75	period	period	NOUN
easat-7269	110	76	(	(	PUNCT
easat-7269	110	77	2022	2022	NUM
easat-7269	110	78	-	-	SYM
easat-7269	110	79	2023	2023	NUM
easat-7269	110	80	):	):	PUNCT
easat-7269	110	81	applying	apply	VERB
easat-7269	110	82	zero	zero	NUM
easat-7269	110	83	-	-	PUNCT
easat-7269	110	84	knowledge	knowledge	NOUN
easat-7269	110	85	proof	proof	NOUN
easat-7269	110	86	(	(	PUNCT
easat-7269	110	87	zkp	zkp	NOUN
easat-7269	110	88	)	)	PUNCT
easat-7269	110	89	to	to	PART
easat-7269	110	90	optimize	optimize	VERB
easat-7269	110	91	privacy	privacy	NOUN
easat-7269	110	92	computing	computing	NOUN
easat-7269	110	93	,	,	PUNCT
easat-7269	110	94	directly	directly	ADV
easat-7269	110	95	connecting	connect	VERB
easat-7269	110	96	with	with	ADP
easat-7269	110	97	swift	swift	ADJ
easat-7269	110	98	gpi	gpi	PROPN
easat-7269	110	99	system	system	PROPN
easat-7269	110	100	api	api	NOUN
easat-7269	110	101	,	,	PUNCT
easat-7269	110	102	and	and	CCONJ
easat-7269	110	103	establishing	establish	VERB
easat-7269	110	104	a	a	DET
easat-7269	110	105	regulatory	regulatory	ADJ
easat-7269	110	106	collaboration	collaboration	NOUN
easat-7269	110	107	dashboard	dashboard	NOUN
easat-7269	110	108	(	(	PUNCT
easat-7269	110	109	real	real	ADJ
easat-7269	110	110	-	-	PUNCT
easat-7269	110	111	time	time	NOUN
easat-7269	110	112	monitoring	monitoring	NOUN
easat-7269	110	113	of	of	ADP
easat-7269	110	114	anti	anti	ADJ
easat-7269	110	115	-	-	ADJ
easat-7269	110	116	money	money	ADJ
easat-7269	110	117	laundering	laundering	NOUN
easat-7269	110	118	/	/	SYM
easat-7269	110	119	foreign	foreign	ADJ
easat-7269	110	120	exchange	exchange	NOUN
easat-7269	110	121	compliance	compliance	NOUN
easat-7269	110	122	indicators	indicator	NOUN
easat-7269	110	123	)	)	PUNCT
easat-7269	110	124	.	.	PUNCT
easat-7269	111	1	figure	figure	NOUN
easat-7269	111	2	4	4	NUM
easat-7269	111	3	shows	show	VERB
easat-7269	111	4	the	the	DET
easat-7269	111	5	changes	change	NOUN
easat-7269	111	6	in	in	ADP
easat-7269	111	7	cross	cross	ADJ
easat-7269	111	8	-	-	ADJ
easat-7269	111	9	border	border	ADJ
easat-7269	111	10	remittance	remittance	NOUN
easat-7269	111	11	fees	fee	NOUN
easat-7269	111	12	and	and	CCONJ
easat-7269	111	13	settlement	settlement	NOUN
easat-7269	111	14	cycles	cycle	NOUN
easat-7269	111	15	:	:	PUNCT
easat-7269	111	16	figure	figure	NOUN
easat-7269	111	17	4	4	NUM
easat-7269	111	18	.	.	PUNCT
easat-7269	111	19	changes	change	NOUN
easat-7269	111	20	in	in	ADP
easat-7269	111	21	cross	cross	ADJ
easat-7269	111	22	-	-	ADJ
easat-7269	111	23	border	border	ADJ
easat-7269	111	24	remittance	remittance	NOUN
easat-7269	111	25	fees	fee	NOUN
easat-7269	111	26	and	and	CCONJ
easat-7269	111	27	settlement	settlement	NOUN
easat-7269	111	28	cycles	cycle	NOUN
easat-7269	111	29	.	.	PUNCT
easat-7269	112	1	the	the	DET
easat-7269	112	2	cross	cross	ADJ
easat-7269	112	3	-	-	ADJ
easat-7269	112	4	border	border	ADJ
easat-7269	112	5	remittance	remittance	NOUN
easat-7269	112	6	fee	fee	NOUN
easat-7269	112	7	has	have	AUX
easat-7269	112	8	continued	continue	VERB
easat-7269	112	9	to	to	PART
easat-7269	112	10	decline	decline	VERB
easat-7269	112	11	from	from	ADP
easat-7269	112	12	8.0	8.0	NUM
easat-7269	112	13	%	%	NOUN
easat-7269	112	14	in	in	ADP
easat-7269	112	15	q1	q1	PROPN
easat-7269	112	16	2018	2018	NUM
easat-7269	112	17	to	to	ADP
easat-7269	112	18	2.3	2.3	NUM
easat-7269	112	19	%	%	NOUN
easat-7269	112	20	in	in	ADP
easat-7269	112	21	q4	q4	PROPN
easat-7269	112	22	2023	2023	NUM
easat-7269	112	23	.	.	PUNCT
easat-7269	113	1	in	in	ADP
easat-7269	113	2	q3	q3	PROPN
easat-7269	113	3	2020	2020	NUM
easat-7269	113	4	,	,	PUNCT
easat-7269	113	5	the	the	DET
easat-7269	113	6	fee	fee	NOUN
easat-7269	113	7	dropped	drop	VERB
easat-7269	113	8	from	from	ADP
easat-7269	113	9	6.3	6.3	NUM
easat-7269	113	10	%	%	NOUN
easat-7269	113	11	to	to	PART
easat-7269	113	12	5.7	5.7	NUM
easat-7269	113	13	%	%	NOUN
easat-7269	113	14	due	due	ADP
easat-7269	113	15	to	to	ADP
easat-7269	113	16	the	the	DET
easat-7269	113	17	expansion	expansion	NOUN
easat-7269	113	18	of	of	ADP
easat-7269	113	19	blockchain	blockchain	PROPN
easat-7269	113	20	nodes	node	NOUN
easat-7269	113	21	to	to	ADP
easat-7269	113	22	12	12	NUM
easat-7269	113	23	(	(	PUNCT
easat-7269	113	24	6	6	NUM
easat-7269	113	25	in	in	ADP
easat-7269	113	26	china	china	PROPN
easat-7269	113	27	and	and	CCONJ
easat-7269	113	28	6	6	NUM
easat-7269	113	29	in	in	ADP
easat-7269	113	30	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	113	31	)	)	PUNCT
easat-7269	113	32	.	.	PUNCT
easat-7269	114	1	the	the	DET
easat-7269	114	2	settlement	settlement	NOUN
easat-7269	114	3	cycle	cycle	NOUN
easat-7269	114	4	is	be	AUX
easat-7269	114	5	compressed	compress	VERB
easat-7269	114	6	from	from	ADP
easat-7269	114	7	38.4	38.4	NUM
easat-7269	114	8	hours	hour	NOUN
easat-7269	114	9	to	to	ADP
easat-7269	114	10	5.1	5.1	NUM
easat-7269	114	11	hours	hour	NOUN
easat-7269	114	12	.	.	PUNCT
easat-7269	115	1	in	in	ADP
easat-7269	115	2	q3	q3	PROPN
easat-7269	115	3	-	-	PUNCT
easat-7269	115	4	q4	q4	PROPN
easat-7269	115	5	2022	2022	NUM
easat-7269	115	6	,	,	PUNCT
easat-7269	115	7	the	the	DET
easat-7269	115	8	cycle	cycle	NOUN
easat-7269	115	9	dropped	drop	VERB
easat-7269	115	10	sharply	sharply	ADV
easat-7269	115	11	from	from	ADP
easat-7269	115	12	12.4	12.4	NUM
easat-7269	115	13	hours	hour	NOUN
easat-7269	115	14	to	to	ADP
easat-7269	115	15	9.2	9.2	NUM
easat-7269	115	16	hours	hour	NOUN
easat-7269	115	17	due	due	ADP
easat-7269	115	18	to	to	ADP
easat-7269	115	19	the	the	DET
easat-7269	115	20	launch	launch	NOUN
easat-7269	115	21	of	of	ADP
easat-7269	115	22	the	the	DET
easat-7269	115	23	swift	swift	ADJ
easat-7269	115	24	gpi	gpi	PROPN
easat-7269	115	25	interface	interface	NOUN
easat-7269	115	26	.	.	PUNCT
easat-7269	116	1	the	the	DET
easat-7269	116	2	core	core	NOUN
easat-7269	116	3	driving	drive	VERB
easat-7269	116	4	factors	factor	NOUN
easat-7269	116	5	include	include	VERB
easat-7269	116	6	:	:	PUNCT
easat-7269	116	7	1	1	X
easat-7269	116	8	)	)	PUNCT
easat-7269	116	9	technology	technology	NOUN
easat-7269	116	10	iteration	iteration	NOUN
easat-7269	116	11	:	:	PUNCT
easat-7269	116	12	after	after	ADP
easat-7269	116	13	the	the	DET
easat-7269	116	14	introduction	introduction	NOUN
easat-7269	116	15	of	of	ADP
easat-7269	116	16	zkp	zkp	NOUN
easat-7269	116	17	in	in	ADP
easat-7269	116	18	2021	2021	NUM
easat-7269	116	19	,	,	PUNCT
easat-7269	116	20	the	the	DET
easat-7269	116	21	time	time	NOUN
easat-7269	116	22	for	for	ADP
easat-7269	116	23	identity	identity	NOUN
easat-7269	116	24	verification	verification	NOUN
easat-7269	116	25	has	have	AUX
easat-7269	116	26	been	be	AUX
easat-7269	116	27	reduced	reduce	VERB
easat-7269	116	28	from	from	ADP
easat-7269	116	29	14	14	NUM
easat-7269	116	30	minutes	minute	NOUN
easat-7269	116	31	to	to	ADP
easat-7269	116	32	22	22	NUM
easat-7269	116	33	seconds	second	NOUN
easat-7269	116	34	,	,	PUNCT
easat-7269	116	35	and	and	CCONJ
easat-7269	116	36	the	the	DET
easat-7269	116	37	cost	cost	NOUN
easat-7269	116	38	per	per	ADP
easat-7269	116	39	transaction	transaction	NOUN
easat-7269	116	40	has	have	AUX
easat-7269	116	41	been	be	AUX
easat-7269	116	42	reduced	reduce	VERB
easat-7269	116	43	;	;	PUNCT
easat-7269	116	44	2	2	X
easat-7269	116	45	)	)	PUNCT
easat-7269	116	46	regulatory	regulatory	ADJ
easat-7269	116	47	coordination	coordination	NOUN
easat-7269	116	48	:	:	PUNCT
easat-7269	116	49	a	a	DET
easat-7269	116	50	joint	joint	ADJ
easat-7269	116	51	anti	anti	ADJ
easat-7269	116	52	-	-	ADJ
easat-7269	116	53	money	money	ADJ
easat-7269	116	54	laundering	laundering	NOUN
easat-7269	116	55	list	list	NOUN
easat-7269	116	56	(	(	PUNCT
easat-7269	116	57	including	include	VERB
easat-7269	116	58	230,000	230,000	NUM
easat-7269	116	59	risk	risk	NOUN
easat-7269	116	60	data	datum	NOUN
easat-7269	116	61	)	)	PUNCT
easat-7269	116	62	will	will	AUX
easat-7269	116	63	be	be	AUX
easat-7269	116	64	established	establish	VERB
easat-7269	116	65	in	in	ADP
easat-7269	116	66	2022	2022	NUM
easat-7269	116	67	,	,	PUNCT
easat-7269	116	68	and	and	CCONJ
easat-7269	116	69	the	the	DET
easat-7269	116	70	proportion	proportion	NOUN
easat-7269	116	71	of	of	ADP
easat-7269	116	72	manual	manual	ADJ
easat-7269	116	73	review	review	NOUN
easat-7269	116	74	will	will	AUX
easat-7269	116	75	be	be	AUX
easat-7269	116	76	reduced	reduce	VERB
easat-7269	116	77	from	from	ADP
easat-7269	116	78	81	81	NUM
easat-7269	116	79	%	%	NOUN
easat-7269	116	80	to	to	PART
easat-7269	116	81	9	9	NUM
easat-7269	116	82	%	%	NOUN
easat-7269	116	83	;	;	PUNCT
easat-7269	116	84	3	3	X
easat-7269	116	85	)	)	PUNCT
easat-7269	116	86	scale	scale	NOUN
easat-7269	116	87	effect	effect	NOUN
easat-7269	116	88	:	:	PUNCT
easat-7269	116	89	the	the	DET
easat-7269	116	90	average	average	ADJ
easat-7269	116	91	monthly	monthly	ADJ
easat-7269	116	92	transaction	transaction	NOUN
easat-7269	116	93	volume	volume	NOUN
easat-7269	116	94	will	will	AUX
easat-7269	116	95	increase	increase	VERB
easat-7269	116	96	from	from	ADP
easat-7269	116	97	12,000	12,000	NUM
easat-7269	116	98	in	in	ADP
easat-7269	116	99	2018	2018	NUM
easat-7269	116	100	to	to	ADP
easat-7269	116	101	890,000	890,000	NUM
easat-7269	116	102	in	in	ADP
easat-7269	116	103	2023	2023	NUM
easat-7269	116	104	,	,	PUNCT
easat-7269	116	105	and	and	CCONJ
easat-7269	116	106	the	the	DET
easat-7269	116	107	marginal	marginal	ADJ
easat-7269	116	108	cost	cost	NOUN
easat-7269	116	109	will	will	AUX
easat-7269	116	110	drop	drop	VERB
easat-7269	116	111	to	to	ADP
easat-7269	116	112	us$0.17	us$0.17	PROPN
easat-7269	116	113	per	per	ADP
easat-7269	116	114	transaction	transaction	NOUN
easat-7269	116	115	.	.	PUNCT
easat-7269	117	1	the	the	DET
easat-7269	117	2	current	current	ADJ
easat-7269	117	3	bottleneck	bottleneck	NOUN
easat-7269	117	4	lies	lie	VERB
easat-7269	117	5	in	in	ADP
easat-7269	117	6	the	the	DET
easat-7269	117	7	quality	quality	NOUN
easat-7269	117	8	of	of	ADP
easat-7269	117	9	kyrgyz	kyrgyz	PROPN
easat-7269	117	10	kyc	kyc	PROPN
easat-7269	117	11	data	data	PROPN
easat-7269	117	12	(	(	PUNCT
easat-7269	117	13	32	32	NUM
easat-7269	117	14	%	%	NOUN
easat-7269	117	15	of	of	ADP
easat-7269	117	16	the	the	DET
easat-7269	117	17	certificate	certificate	NOUN
easat-7269	117	18	information	information	NOUN
easat-7269	117	19	is	be	AUX
easat-7269	117	20	not	not	PART
easat-7269	117	21	standardized	standardize	VERB
easat-7269	117	22	)	)	PUNCT
easat-7269	117	23	.	.	PUNCT
easat-7269	118	1	after	after	ADP
easat-7269	118	2	the	the	DET
easat-7269	118	3	optical	optical	ADJ
easat-7269	118	4	character	character	NOUN
easat-7269	118	5	recognition	recognition	NOUN
easat-7269	118	6	(	(	PUNCT
easat-7269	118	7	ocr	ocr	NOUN
easat-7269	118	8	)	)	PUNCT
easat-7269	118	9	enhancement	enhancement	NOUN
easat-7269	118	10	project	project	NOUN
easat-7269	118	11	is	be	AUX
easat-7269	118	12	launched	launch	VERB
easat-7269	118	13	in	in	ADP
easat-7269	118	14	q4	q4	PROPN
easat-7269	118	15	2023	2023	NUM
easat-7269	118	16	,	,	PUNCT
easat-7269	118	17	the	the	DET
easat-7269	118	18	error	error	NOUN
easat-7269	118	19	rate	rate	NOUN
easat-7269	118	20	will	will	AUX
easat-7269	118	21	drop	drop	VERB
easat-7269	118	22	from	from	ADP
easat-7269	118	23	18	18	NUM
easat-7269	118	24	%	%	NOUN
easat-7269	118	25	to	to	ADP
easat-7269	118	26	4.7	4.7	NUM
easat-7269	118	27	%	%	NOUN
easat-7269	118	28	,	,	PUNCT
easat-7269	118	29	pushing	push	VERB
easat-7269	118	30	the	the	DET
easat-7269	118	31	handling	handling	NOUN
easat-7269	118	32	fee	fee	NOUN
easat-7269	118	33	into	into	ADP
easat-7269	118	34	the	the	DET
easat-7269	118	35	"	"	PUNCT
easat-7269	118	36	2	2	NUM
easat-7269	118	37	%	%	NOUN
easat-7269	118	38	era	era	NOUN
easat-7269	118	39	"	"	PUNCT
easat-7269	118	40	.	.	PUNCT
easat-7269	119	1	1720	1720	NUM
easat-7269	119	2	edelweiss	edelweiss	PROPN
easat-7269	119	3	applied	apply	VERB
easat-7269	119	4	science	science	NOUN
easat-7269	119	5	and	and	CCONJ
easat-7269	119	6	technology	technology	NOUN
easat-7269	119	7	issn	issn	PROPN
easat-7269	119	8	:	:	PUNCT
easat-7269	119	9	2576	2576	NUM
easat-7269	119	10	-	-	SYM
easat-7269	119	11	8484	8484	NUM
easat-7269	119	12	vol	vol	NOUN
easat-7269	119	13	.	.	PROPN
easat-7269	120	1	9	9	NUM
easat-7269	120	2	,	,	PUNCT
easat-7269	120	3	no	no	INTJ
easat-7269	120	4	.	.	NOUN
easat-7269	120	5	5	5	NUM
easat-7269	120	6	:	:	PUNCT
easat-7269	120	7	1711	1711	NUM
easat-7269	120	8	-	-	SYM
easat-7269	120	9	1721	1721	NUM
easat-7269	120	10	,	,	PUNCT
easat-7269	120	11	2025	2025	NUM
easat-7269	120	12	doi	doi	NOUN
easat-7269	120	13	:	:	PUNCT
easat-7269	120	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	120	15	©	©	PROPN
easat-7269	120	16	2025	2025	NUM
easat-7269	120	17	by	by	ADP
easat-7269	120	18	the	the	DET
easat-7269	120	19	authors	author	NOUN
easat-7269	120	20	;	;	PUNCT
easat-7269	120	21	licensee	licensee	PROPN
easat-7269	120	22	learning	learning	NOUN
easat-7269	120	23	gate	gate	NOUN
easat-7269	120	24	5	5	NUM
easat-7269	120	25	.	.	PUNCT
easat-7269	121	1	conclusion	conclusion	NOUN
easat-7269	121	2	under	under	ADP
easat-7269	121	3	the	the	DET
easat-7269	121	4	wave	wave	NOUN
easat-7269	121	5	of	of	ADP
easat-7269	121	6	digital	digital	ADJ
easat-7269	121	7	finance	finance	NOUN
easat-7269	121	8	,	,	PUNCT
easat-7269	121	9	the	the	DET
easat-7269	121	10	innovative	innovative	ADJ
easat-7269	121	11	models	model	NOUN
easat-7269	121	12	of	of	ADP
easat-7269	121	13	the	the	DET
easat-7269	121	14	banking	banking	NOUN
easat-7269	121	15	industries	industry	NOUN
easat-7269	121	16	of	of	ADP
easat-7269	121	17	the	the	DET
easat-7269	121	18	kyrgyz	kyrgyz	PROPN
easat-7269	121	19	republic	republic	PROPN
easat-7269	121	20	and	and	CCONJ
easat-7269	121	21	china	china	PROPN
easat-7269	121	22	show	show	VERB
easat-7269	121	23	differentiated	differentiated	ADJ
easat-7269	121	24	and	and	CCONJ
easat-7269	121	25	complementary	complementary	ADJ
easat-7269	121	26	characteristics	characteristic	NOUN
easat-7269	121	27	:	:	PUNCT
easat-7269	121	28	china	china	PROPN
easat-7269	121	29	relies	rely	VERB
easat-7269	121	30	on	on	ADP
easat-7269	121	31	a	a	DET
easat-7269	121	32	fullscenario	fullscenario	NOUN
easat-7269	121	33	ecological	ecological	ADJ
easat-7269	121	34	service	service	NOUN
easat-7269	121	35	network	network	NOUN
easat-7269	121	36	to	to	PART
easat-7269	121	37	transform	transform	VERB
easat-7269	121	38	its	its	PRON
easat-7269	121	39	technological	technological	ADJ
easat-7269	121	40	advantages	advantage	NOUN
easat-7269	121	41	into	into	ADP
easat-7269	121	42	deep	deep	ADJ
easat-7269	121	43	market	market	NOUN
easat-7269	121	44	operational	operational	ADJ
easat-7269	121	45	capabilities	capability	NOUN
easat-7269	121	46	,	,	PUNCT
easat-7269	121	47	while	while	SCONJ
easat-7269	121	48	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	121	49	achieves	achieve	VERB
easat-7269	121	50	a	a	DET
easat-7269	121	51	leap	leap	NOUN
easat-7269	121	52	in	in	ADP
easat-7269	121	53	financial	financial	ADJ
easat-7269	121	54	inclusion	inclusion	NOUN
easat-7269	121	55	under	under	ADP
easat-7269	121	56	conditions	condition	NOUN
easat-7269	121	57	of	of	ADP
easat-7269	121	58	weak	weak	ADJ
easat-7269	121	59	infrastructure	infrastructure	NOUN
easat-7269	121	60	through	through	ADP
easat-7269	121	61	institutional	institutional	ADJ
easat-7269	121	62	flexibility	flexibility	NOUN
easat-7269	121	63	and	and	CCONJ
easat-7269	121	64	agile	agile	ADJ
easat-7269	121	65	innovation	innovation	NOUN
easat-7269	121	66	.	.	PUNCT
easat-7269	122	1	the	the	DET
easat-7269	122	2	coordinated	coordinated	ADJ
easat-7269	122	3	development	development	NOUN
easat-7269	122	4	of	of	ADP
easat-7269	122	5	both	both	DET
easat-7269	122	6	sides	side	NOUN
easat-7269	122	7	requires	require	VERB
easat-7269	122	8	the	the	DET
easat-7269	122	9	construction	construction	NOUN
easat-7269	122	10	of	of	ADP
easat-7269	122	11	a	a	DET
easat-7269	122	12	three	three	NUM
easat-7269	122	13	-	-	PUNCT
easat-7269	122	14	in	in	ADP
easat-7269	122	15	-	-	PUNCT
easat-7269	122	16	one	one	NUM
easat-7269	122	17	integrated	integrate	VERB
easat-7269	122	18	framework	framework	NOUN
easat-7269	122	19	of	of	ADP
easat-7269	122	20	"	"	PUNCT
easat-7269	122	21	technology	technology	NOUN
easat-7269	122	22	-	-	PUNCT
easat-7269	122	23	systemmarket	systemmarket	NOUN
easat-7269	122	24	"	"	PUNCT
easat-7269	122	25	china	china	PROPN
easat-7269	122	26	exports	export	VERB
easat-7269	122	27	modular	modular	ADJ
easat-7269	122	28	financial	financial	ADJ
easat-7269	122	29	technology	technology	NOUN
easat-7269	122	30	solutions	solution	NOUN
easat-7269	122	31	(	(	PUNCT
easat-7269	122	32	such	such	ADJ
easat-7269	122	33	as	as	ADP
easat-7269	122	34	intelligent	intelligent	ADJ
easat-7269	122	35	risk	risk	NOUN
easat-7269	122	36	control	control	NOUN
easat-7269	122	37	middle	middle	ADJ
easat-7269	122	38	platform	platform	NOUN
easat-7269	122	39	and	and	CCONJ
easat-7269	122	40	distributed	distribute	VERB
easat-7269	122	41	ledger	ledger	NOUN
easat-7269	122	42	system	system	NOUN
easat-7269	122	43	)	)	PUNCT
easat-7269	122	44	,	,	PUNCT
easat-7269	122	45	and	and	CCONJ
easat-7269	122	46	kyrgyzstan	kyrgyzstan	PROPN
easat-7269	122	47	serves	serve	VERB
easat-7269	122	48	as	as	ADP
easat-7269	122	49	a	a	DET
easat-7269	122	50	"	"	PUNCT
easat-7269	122	51	policy	policy	NOUN
easat-7269	122	52	laboratory	laboratory	NOUN
easat-7269	122	53	"	"	PUNCT
easat-7269	122	54	for	for	ADP
easat-7269	122	55	digital	digital	ADJ
easat-7269	122	56	financial	financial	ADJ
easat-7269	122	57	reform	reform	NOUN
easat-7269	122	58	in	in	ADP
easat-7269	122	59	central	central	ADJ
easat-7269	122	60	asia	asia	PROPN
easat-7269	122	61	,	,	PUNCT
easat-7269	122	62	exploring	explore	VERB
easat-7269	122	63	the	the	DET
easat-7269	122	64	cross	cross	ADJ
easat-7269	122	65	-	-	ADJ
easat-7269	122	66	border	border	ADJ
easat-7269	122	67	linkage	linkage	NOUN
easat-7269	122	68	mechanism	mechanism	NOUN
easat-7269	122	69	of	of	ADP
easat-7269	122	70	regulatory	regulatory	ADJ
easat-7269	122	71	sandboxes	sandbox	NOUN
easat-7269	122	72	.	.	PUNCT
easat-7269	123	1	sustainable	sustainable	ADJ
easat-7269	123	2	development	development	NOUN
easat-7269	123	3	opportunities	opportunity	NOUN
easat-7269	123	4	focus	focus	VERB
easat-7269	123	5	on	on	ADP
easat-7269	123	6	three	three	NUM
easat-7269	123	7	dimensions	dimension	NOUN
easat-7269	123	8	:	:	PUNCT
easat-7269	123	9	first	first	ADV
easat-7269	123	10	,	,	PUNCT
easat-7269	123	11	the	the	DET
easat-7269	123	12	organic	organic	ADJ
easat-7269	123	13	connection	connection	NOUN
easat-7269	123	14	between	between	ADP
easat-7269	123	15	the	the	DET
easat-7269	123	16	digital	digital	ADJ
easat-7269	123	17	rmb	rmb	NOUN
easat-7269	123	18	and	and	CCONJ
easat-7269	123	19	the	the	DET
easat-7269	123	20	central	central	ADJ
easat-7269	123	21	asian	asian	ADJ
easat-7269	123	22	regional	regional	ADJ
easat-7269	123	23	payment	payment	NOUN
easat-7269	123	24	network	network	NOUN
easat-7269	123	25	,	,	PUNCT
easat-7269	123	26	and	and	CCONJ
easat-7269	123	27	the	the	DET
easat-7269	123	28	reconstruction	reconstruction	NOUN
easat-7269	123	29	of	of	ADP
easat-7269	123	30	the	the	DET
easat-7269	123	31	trade	trade	NOUN
easat-7269	123	32	settlement	settlement	NOUN
easat-7269	123	33	system	system	NOUN
easat-7269	123	34	through	through	ADP
easat-7269	123	35	a	a	DET
easat-7269	123	36	multilateral	multilateral	ADJ
easat-7269	123	37	central	central	ADJ
easat-7269	123	38	bank	bank	NOUN
easat-7269	123	39	digital	digital	ADJ
easat-7269	123	40	currency	currency	NOUN
easat-7269	123	41	agreement	agreement	NOUN
easat-7269	123	42	;	;	PUNCT
easat-7269	123	43	second	second	X
easat-7269	123	44	,	,	PUNCT
easat-7269	123	45	the	the	DET
easat-7269	123	46	innovation	innovation	NOUN
easat-7269	123	47	of	of	ADP
easat-7269	123	48	green	green	ADJ
easat-7269	123	49	financial	financial	ADJ
easat-7269	123	50	instruments	instrument	NOUN
easat-7269	123	51	based	base	VERB
easat-7269	123	52	on	on	ADP
easat-7269	123	53	blockchain	blockchain	PROPN
easat-7269	123	54	,	,	PUNCT
easat-7269	123	55	deeply	deeply	ADV
easat-7269	123	56	coupling	couple	VERB
easat-7269	123	57	chinese	chinese	ADJ
easat-7269	123	58	practices	practice	NOUN
easat-7269	123	59	such	such	ADJ
easat-7269	123	60	as	as	ADP
easat-7269	123	61	carbon	carbon	NOUN
easat-7269	123	62	accounts	account	NOUN
easat-7269	123	63	and	and	CCONJ
easat-7269	123	64	environmental	environmental	ADJ
easat-7269	123	65	rights	right	NOUN
easat-7269	123	66	certification	certification	NOUN
easat-7269	123	67	with	with	ADP
easat-7269	123	68	central	central	ADJ
easat-7269	123	69	asia	asia	PROPN
easat-7269	123	70	's	's	PART
easat-7269	123	71	renewable	renewable	ADJ
easat-7269	123	72	energy	energy	NOUN
easat-7269	123	73	endowments	endowment	NOUN
easat-7269	123	74	;	;	PUNCT
easat-7269	123	75	third	third	ADV
easat-7269	123	76	,	,	PUNCT
easat-7269	123	77	jointly	jointly	ADV
easat-7269	123	78	building	build	VERB
easat-7269	123	79	a	a	DET
easat-7269	123	80	digital	digital	ADJ
easat-7269	123	81	identity	identity	NOUN
easat-7269	123	82	mutual	mutual	ADJ
easat-7269	123	83	recognition	recognition	NOUN
easat-7269	123	84	corridor	corridor	NOUN
easat-7269	123	85	to	to	PART
easat-7269	123	86	solve	solve	VERB
easat-7269	123	87	the	the	DET
easat-7269	123	88	dilemma	dilemma	NOUN
easat-7269	123	89	of	of	ADP
easat-7269	123	90	data	datum	NOUN
easat-7269	123	91	sovereignty	sovereignty	NOUN
easat-7269	123	92	and	and	CCONJ
easat-7269	123	93	privacy	privacy	NOUN
easat-7269	123	94	protection	protection	NOUN
easat-7269	123	95	in	in	ADP
easat-7269	123	96	cross	cross	ADJ
easat-7269	123	97	-	-	ADJ
easat-7269	123	98	border	border	ADJ
easat-7269	123	99	services	service	NOUN
easat-7269	123	100	.	.	PUNCT
easat-7269	124	1	this	this	PRON
easat-7269	124	2	requires	require	VERB
easat-7269	124	3	the	the	DET
easat-7269	124	4	two	two	NUM
easat-7269	124	5	countries	country	NOUN
easat-7269	124	6	to	to	PART
easat-7269	124	7	break	break	VERB
easat-7269	124	8	through	through	ADP
easat-7269	124	9	the	the	DET
easat-7269	124	10	traditional	traditional	ADJ
easat-7269	124	11	technical	technical	ADJ
easat-7269	124	12	assistance	assistance	NOUN
easat-7269	124	13	paradigm	paradigm	NOUN
easat-7269	124	14	and	and	CCONJ
easat-7269	124	15	move	move	VERB
easat-7269	124	16	towards	towards	ADP
easat-7269	124	17	a	a	DET
easat-7269	124	18	new	new	ADJ
easat-7269	124	19	mode	mode	NOUN
easat-7269	124	20	of	of	ADP
easat-7269	124	21	cooperation	cooperation	NOUN
easat-7269	124	22	involving	involve	VERB
easat-7269	124	23	joint	joint	ADJ
easat-7269	124	24	research	research	NOUN
easat-7269	124	25	and	and	CCONJ
easat-7269	124	26	development	development	NOUN
easat-7269	124	27	,	,	PUNCT
easat-7269	124	28	shared	share	VERB
easat-7269	124	29	standards	standard	NOUN
easat-7269	124	30	and	and	CCONJ
easat-7269	124	31	shared	share	VERB
easat-7269	124	32	risks	risk	NOUN
easat-7269	124	33	,	,	PUNCT
easat-7269	124	34	ultimately	ultimately	ADV
easat-7269	124	35	forming	form	VERB
easat-7269	124	36	a	a	DET
easat-7269	124	37	two	two	NUM
easat-7269	124	38	-	-	PUNCT
easat-7269	124	39	way	way	NOUN
easat-7269	124	40	reinforcing	reinforce	VERB
easat-7269	124	41	loop	loop	NOUN
easat-7269	124	42	of	of	ADP
easat-7269	124	43	technological	technological	ADJ
easat-7269	124	44	spillover	spillover	NOUN
easat-7269	124	45	and	and	CCONJ
easat-7269	124	46	institutional	institutional	ADJ
easat-7269	124	47	feedback	feedback	NOUN
easat-7269	124	48	under	under	ADP
easat-7269	124	49	the	the	DET
easat-7269	124	50	framework	framework	NOUN
easat-7269	124	51	of	of	ADP
easat-7269	124	52	the	the	DET
easat-7269	124	53	"	"	PUNCT
easat-7269	124	54	digital	digital	ADJ
easat-7269	124	55	silk	silk	NOUN
easat-7269	124	56	road	road	NOUN
easat-7269	124	57	"	"	PUNCT
easat-7269	124	58	.	.	PUNCT
easat-7269	125	1	transparency	transparency	NOUN
easat-7269	125	2	:	:	PUNCT
easat-7269	125	3	the	the	DET
easat-7269	125	4	authors	author	NOUN
easat-7269	125	5	confirm	confirm	VERB
easat-7269	125	6	that	that	SCONJ
easat-7269	125	7	the	the	DET
easat-7269	125	8	manuscript	manuscript	NOUN
easat-7269	125	9	is	be	AUX
easat-7269	125	10	an	an	DET
easat-7269	125	11	honest	honest	ADJ
easat-7269	125	12	,	,	PUNCT
easat-7269	125	13	accurate	accurate	ADJ
easat-7269	125	14	,	,	PUNCT
easat-7269	125	15	and	and	CCONJ
easat-7269	125	16	transparent	transparent	ADJ
easat-7269	125	17	account	account	NOUN
easat-7269	125	18	of	of	ADP
easat-7269	125	19	the	the	DET
easat-7269	125	20	study	study	NOUN
easat-7269	125	21	;	;	PUNCT
easat-7269	125	22	that	that	SCONJ
easat-7269	125	23	no	no	DET
easat-7269	125	24	vital	vital	ADJ
easat-7269	125	25	features	feature	NOUN
easat-7269	125	26	of	of	ADP
easat-7269	125	27	the	the	DET
easat-7269	125	28	study	study	NOUN
easat-7269	125	29	have	have	AUX
easat-7269	125	30	been	be	AUX
easat-7269	125	31	omitted	omit	VERB
easat-7269	125	32	;	;	PUNCT
easat-7269	125	33	and	and	CCONJ
easat-7269	125	34	that	that	SCONJ
easat-7269	125	35	any	any	DET
easat-7269	125	36	discrepancies	discrepancy	NOUN
easat-7269	125	37	from	from	ADP
easat-7269	125	38	the	the	DET
easat-7269	125	39	study	study	NOUN
easat-7269	125	40	as	as	SCONJ
easat-7269	125	41	planned	plan	VERB
easat-7269	125	42	have	have	AUX
easat-7269	125	43	been	be	AUX
easat-7269	125	44	explained	explain	VERB
easat-7269	125	45	.	.	PUNCT
easat-7269	126	1	this	this	DET
easat-7269	126	2	study	study	NOUN
easat-7269	126	3	followed	follow	VERB
easat-7269	126	4	all	all	DET
easat-7269	126	5	ethical	ethical	ADJ
easat-7269	126	6	practices	practice	NOUN
easat-7269	126	7	during	during	ADP
easat-7269	126	8	writing	writing	NOUN
easat-7269	126	9	.	.	PUNCT
easat-7269	127	1	copyright	copyright	NOUN
easat-7269	127	2	:	:	PUNCT
easat-7269	127	3	©	©	PROPN
easat-7269	127	4	2025	2025	NUM
easat-7269	127	5	by	by	ADP
easat-7269	127	6	the	the	DET
easat-7269	127	7	authors	author	NOUN
easat-7269	127	8	.	.	PUNCT
easat-7269	128	1	this	this	DET
easat-7269	128	2	open	open	ADJ
easat-7269	128	3	-	-	PUNCT
easat-7269	128	4	access	access	NOUN
easat-7269	128	5	article	article	NOUN
easat-7269	128	6	is	be	AUX
easat-7269	128	7	distributed	distribute	VERB
easat-7269	128	8	under	under	ADP
easat-7269	128	9	the	the	DET
easat-7269	128	10	terms	term	NOUN
easat-7269	128	11	and	and	CCONJ
easat-7269	128	12	conditions	condition	NOUN
easat-7269	128	13	of	of	ADP
easat-7269	128	14	the	the	DET
easat-7269	128	15	creative	creative	ADJ
easat-7269	128	16	commons	common	NOUN
easat-7269	128	17	attribution	attribution	NOUN
easat-7269	128	18	(	(	PUNCT
easat-7269	128	19	cc	cc	NOUN
easat-7269	128	20	by	by	ADP
easat-7269	128	21	)	)	PUNCT
easat-7269	128	22	license	license	NOUN
easat-7269	128	23	(	(	PUNCT
easat-7269	128	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7269	128	25	)	)	PUNCT
easat-7269	128	26	.	.	PUNCT
easat-7269	129	1	references	reference	NOUN
easat-7269	129	2	[	[	X
easat-7269	129	3	1	1	NUM
easat-7269	129	4	]	]	PUNCT
easat-7269	129	5	z.	z.	PROPN
easat-7269	129	6	gong	gong	PROPN
easat-7269	129	7	and	and	CCONJ
easat-7269	129	8	l.	l.	PROPN
easat-7269	129	9	zhou	zhou	PROPN
easat-7269	129	10	,	,	PUNCT
easat-7269	129	11	"	"	PUNCT
easat-7269	129	12	research	research	NOUN
easat-7269	129	13	on	on	ADP
easat-7269	129	14	the	the	DET
easat-7269	129	15	impact	impact	NOUN
easat-7269	129	16	of	of	ADP
easat-7269	129	17	banking	banking	NOUN
easat-7269	129	18	market	market	NOUN
easat-7269	129	19	structure	structure	NOUN
easat-7269	129	20	on	on	ADP
easat-7269	129	21	residents	resident	NOUN
easat-7269	129	22	'	'	PART
easat-7269	129	23	consumption	consumption	NOUN
easat-7269	129	24	,	,	PUNCT
easat-7269	129	25	"	"	PUNCT
easat-7269	129	26	journal	journal	NOUN
easat-7269	129	27	of	of	ADP
easat-7269	129	28	xiangtan	xiangtan	PROPN
easat-7269	129	29	university	university	PROPN
easat-7269	129	30	(	(	PUNCT
easat-7269	129	31	philosophy	philosophy	NOUN
easat-7269	129	32	and	and	CCONJ
easat-7269	129	33	social	social	ADJ
easat-7269	129	34	sciences	science	NOUN
easat-7269	129	35	edition	edition	NOUN
easat-7269	129	36	)	)	PUNCT
easat-7269	129	37	,	,	PUNCT
easat-7269	129	38	vol	vol	NOUN
easat-7269	129	39	.	.	PROPN
easat-7269	129	40	48	48	NUM
easat-7269	129	41	,	,	PUNCT
easat-7269	129	42	no	no	INTJ
easat-7269	129	43	.	.	NOUN
easat-7269	129	44	3	3	NUM
easat-7269	129	45	,	,	PUNCT
easat-7269	129	46	pp	pp	ADJ
easat-7269	129	47	.	.	PUNCT
easat-7269	130	1	48–55	48–55	NUM
easat-7269	130	2	,	,	PUNCT
easat-7269	130	3	2024	2024	NUM
easat-7269	130	4	.	.	PUNCT
easat-7269	131	1	[	[	X
easat-7269	131	2	2	2	NUM
easat-7269	131	3	]	]	PUNCT
easat-7269	131	4	l.	l.	PROPN
easat-7269	131	5	yin	yin	PROPN
easat-7269	131	6	,	,	PUNCT
easat-7269	131	7	w.	w.	PROPN
easat-7269	131	8	cheng	cheng	PROPN
easat-7269	131	9	,	,	PUNCT
easat-7269	131	10	z.	z.	PROPN
easat-7269	131	11	wang	wang	PROPN
easat-7269	131	12	,	,	PUNCT
easat-7269	131	13	and	and	CCONJ
easat-7269	131	14	j.	j.	PROPN
easat-7269	131	15	wu	wu	PROPN
easat-7269	131	16	,	,	PUNCT
easat-7269	131	17	"	"	PUNCT
easat-7269	131	18	risk	risk	NOUN
easat-7269	131	19	behavior	behavior	NOUN
easat-7269	131	20	of	of	ADP
easat-7269	131	21	banking	banking	NOUN
easat-7269	131	22	market	market	NOUN
easat-7269	131	23	structure	structure	NOUN
easat-7269	131	24	and	and	CCONJ
easat-7269	131	25	deposit	deposit	NOUN
easat-7269	131	26	insurance	insurance	NOUN
easat-7269	131	27	system	system	NOUN
easat-7269	131	28	,	,	PUNCT
easat-7269	131	29	"	"	PUNCT
easat-7269	131	30	journal	journal	NOUN
easat-7269	131	31	of	of	ADP
easat-7269	131	32	yunnan	yunnan	PROPN
easat-7269	131	33	university	university	PROPN
easat-7269	131	34	of	of	ADP
easat-7269	131	35	finance	finance	NOUN
easat-7269	131	36	and	and	CCONJ
easat-7269	131	37	economics	economic	NOUN
easat-7269	131	38	,	,	PUNCT
easat-7269	131	39	vol	vol	NOUN
easat-7269	131	40	.	.	PROPN
easat-7269	131	41	37	37	NUM
easat-7269	131	42	,	,	PUNCT
easat-7269	131	43	no	no	INTJ
easat-7269	131	44	.	.	NOUN
easat-7269	131	45	7	7	NUM
easat-7269	131	46	,	,	PUNCT
easat-7269	131	47	pp	pp	ADJ
easat-7269	131	48	.	.	PUNCT
easat-7269	132	1	41–55	41–55	NOUN
easat-7269	132	2	,	,	PUNCT
easat-7269	132	3	2021	2021	NUM
easat-7269	132	4	.	.	PUNCT
easat-7269	133	1	[	[	X
easat-7269	133	2	3	3	X
easat-7269	133	3	]	]	X
easat-7269	133	4	y.	y.	PROPN
easat-7269	133	5	cheng	cheng	PROPN
easat-7269	133	6	and	and	CCONJ
easat-7269	133	7	b.	b.	PROPN
easat-7269	133	8	li	li	PROPN
easat-7269	133	9	,	,	PUNCT
easat-7269	133	10	"	"	PUNCT
easat-7269	133	11	banking	banking	NOUN
easat-7269	133	12	market	market	NOUN
easat-7269	133	13	competition	competition	NOUN
easat-7269	133	14	,	,	PUNCT
easat-7269	133	15	debt	debt	NOUN
easat-7269	133	16	financing	financing	NOUN
easat-7269	133	17	costs	cost	NOUN
easat-7269	133	18	and	and	CCONJ
easat-7269	133	19	risk	risk	NOUN
easat-7269	133	20	-	-	PUNCT
easat-7269	133	21	taking	taking	NOUN
easat-7269	133	22	of	of	ADP
easat-7269	133	23	small	small	ADJ
easat-7269	133	24	and	and	CCONJ
easat-7269	133	25	medium	medium	ADJ
easat-7269	133	26	-	-	PUNCT
easat-7269	133	27	sized	sized	ADJ
easat-7269	133	28	enterprises	enterprise	NOUN
easat-7269	133	29	,	,	PUNCT
easat-7269	133	30	"	"	PUNCT
easat-7269	133	31	financial	financial	ADJ
easat-7269	133	32	economics	economic	NOUN
easat-7269	133	33	research	research	NOUN
easat-7269	133	34	,	,	PUNCT
easat-7269	133	35	vol	vol	NOUN
easat-7269	133	36	.	.	PROPN
easat-7269	134	1	36	36	NUM
easat-7269	134	2	,	,	PUNCT
easat-7269	134	3	no	no	INTJ
easat-7269	134	4	.	.	NOUN
easat-7269	134	5	6	6	NUM
easat-7269	134	6	,	,	PUNCT
easat-7269	134	7	pp	pp	ADJ
easat-7269	134	8	.	.	PUNCT
easat-7269	135	1	34–50	34–50	NUM
easat-7269	135	2	,	,	PUNCT
easat-7269	135	3	2021	2021	NUM
easat-7269	135	4	.	.	PUNCT
easat-7269	136	1	[	[	X
easat-7269	136	2	4	4	X
easat-7269	136	3	]	]	PUNCT
easat-7269	136	4	l.	l.	PROPN
easat-7269	136	5	chunzhi	chunzhi	PROPN
easat-7269	136	6	and	and	CCONJ
easat-7269	136	7	y.	y.	PROPN
easat-7269	136	8	ruitong	ruitong	PROPN
easat-7269	136	9	,	,	PUNCT
easat-7269	136	10	"	"	PUNCT
easat-7269	136	11	bank	bank	NOUN
easat-7269	136	12	market	market	NOUN
easat-7269	136	13	structure	structure	NOUN
easat-7269	136	14	,	,	PUNCT
easat-7269	136	15	corporate	corporate	ADJ
easat-7269	136	16	innovation	innovation	NOUN
easat-7269	136	17	and	and	CCONJ
easat-7269	136	18	industrial	industrial	ADJ
easat-7269	136	19	upgrading	upgrading	NOUN
easat-7269	136	20	,	,	PUNCT
easat-7269	136	21	"	"	PUNCT
easat-7269	136	22	science	science	NOUN
easat-7269	136	23	&	&	CCONJ
easat-7269	136	24	technology	technology	NOUN
easat-7269	136	25	progress	progress	NOUN
easat-7269	136	26	and	and	CCONJ
easat-7269	136	27	policy	policy	NOUN
easat-7269	136	28	,	,	PUNCT
easat-7269	136	29	vol	vol	NOUN
easat-7269	136	30	.	.	PROPN
easat-7269	137	1	37	37	NUM
easat-7269	137	2	,	,	PUNCT
easat-7269	137	3	no	no	INTJ
easat-7269	137	4	.	.	NOUN
easat-7269	137	5	16	16	NUM
easat-7269	137	6	,	,	PUNCT
easat-7269	137	7	pp	pp	ADJ
easat-7269	137	8	.	.	PUNCT
easat-7269	138	1	81	81	NUM
easat-7269	138	2	-	-	SYM
easat-7269	138	3	89	89	NUM
easat-7269	138	4	,	,	PUNCT
easat-7269	138	5	2020	2020	NUM
easat-7269	138	6	.	.	PUNCT
easat-7269	139	1	[	[	X
easat-7269	139	2	5	5	X
easat-7269	139	3	]	]	PUNCT
easat-7269	139	4	j.	j.	PROPN
easat-7269	139	5	tang	tang	PROPN
easat-7269	139	6	,	,	PUNCT
easat-7269	139	7	"	"	PUNCT
easat-7269	139	8	the	the	DET
easat-7269	139	9	economic	economic	ADJ
easat-7269	139	10	impact	impact	NOUN
easat-7269	139	11	of	of	ADP
easat-7269	139	12	banking	banking	NOUN
easat-7269	139	13	market	market	NOUN
easat-7269	139	14	structure	structure	NOUN
easat-7269	139	15	:	:	PUNCT
easat-7269	139	16	based	base	VERB
easat-7269	139	17	on	on	ADP
easat-7269	139	18	literature	literature	PROPN
easat-7269	139	19	review	review	PROPN
easat-7269	139	20	,	,	PUNCT
easat-7269	139	21	"	"	PUNCT
easat-7269	139	22	journal	journal	NOUN
easat-7269	139	23	of	of	ADP
easat-7269	139	24	south	south	PROPN
easat-7269	139	25	china	china	PROPN
easat-7269	139	26	university	university	PROPN
easat-7269	139	27	of	of	ADP
easat-7269	139	28	technology	technology	NOUN
easat-7269	139	29	(	(	PUNCT
easat-7269	139	30	social	social	ADJ
easat-7269	139	31	science	science	NOUN
easat-7269	139	32	edition	edition	NOUN
easat-7269	139	33	)	)	PUNCT
easat-7269	139	34	,	,	PUNCT
easat-7269	139	35	vol	vol	NOUN
easat-7269	139	36	.	.	PROPN
easat-7269	139	37	23	23	NUM
easat-7269	139	38	,	,	PUNCT
easat-7269	139	39	no	no	INTJ
easat-7269	139	40	.	.	NOUN
easat-7269	139	41	6	6	NUM
easat-7269	139	42	,	,	PUNCT
easat-7269	139	43	pp	pp	ADJ
easat-7269	139	44	.	.	PUNCT
easat-7269	140	1	46–57	46–57	NUM
easat-7269	140	2	,	,	PUNCT
easat-7269	140	3	2021	2021	NUM
easat-7269	140	4	.	.	PUNCT
easat-7269	141	1	[	[	X
easat-7269	141	2	6	6	NUM
easat-7269	141	3	]	]	X
easat-7269	141	4	r.	r.	PROPN
easat-7269	141	5	yudaruddin	yudaruddin	PROPN
easat-7269	141	6	,	,	PUNCT
easat-7269	141	7	"	"	PUNCT
easat-7269	141	8	financial	financial	ADJ
easat-7269	141	9	technology	technology	NOUN
easat-7269	141	10	and	and	CCONJ
easat-7269	141	11	banking	banking	NOUN
easat-7269	141	12	market	market	NOUN
easat-7269	141	13	discipline	discipline	NOUN
easat-7269	141	14	in	in	ADP
easat-7269	141	15	indonesia	indonesia	PROPN
easat-7269	141	16	banking	banking	NOUN
easat-7269	141	17	,	,	PUNCT
easat-7269	141	18	"	"	PUNCT
easat-7269	141	19	journal	journal	NOUN
easat-7269	141	20	of	of	ADP
easat-7269	141	21	asia	asia	PROPN
easat-7269	141	22	business	business	PROPN
easat-7269	141	23	studies	study	NOUN
easat-7269	141	24	,	,	PUNCT
easat-7269	141	25	vol	vol	NOUN
easat-7269	141	26	.	.	PROPN
easat-7269	141	27	18	18	NUM
easat-7269	141	28	,	,	PUNCT
easat-7269	141	29	no	no	INTJ
easat-7269	141	30	.	.	NOUN
easat-7269	141	31	2	2	NUM
easat-7269	141	32	,	,	PUNCT
easat-7269	141	33	pp	pp	ADJ
easat-7269	141	34	.	.	PUNCT
easat-7269	142	1	299	299	NUM
easat-7269	142	2	-	-	SYM
easat-7269	142	3	317	317	NUM
easat-7269	142	4	,	,	PUNCT
easat-7269	142	5	2024	2024	NUM
easat-7269	142	6	.	.	PUNCT
easat-7269	143	1	https://doi.org/10.1108/jabs-05-2022-0174	https://doi.org/10.1108/jabs-05-2022-0174	PRON
easat-7269	143	2	[	[	X
easat-7269	143	3	7	7	NUM
easat-7269	143	4	]	]	X
easat-7269	143	5	n.	n.	PROPN
easat-7269	143	6	asare	asare	PROPN
easat-7269	143	7	,	,	PUNCT
easat-7269	143	8	m.	m.	NOUN
easat-7269	143	9	m.	m.	NOUN
easat-7269	143	10	laryea	laryea	PROPN
easat-7269	143	11	,	,	PUNCT
easat-7269	143	12	j.	j.	PROPN
easat-7269	143	13	m.	m.	PROPN
easat-7269	143	14	onumah	onumah	PROPN
easat-7269	143	15	,	,	PUNCT
easat-7269	143	16	and	and	CCONJ
easat-7269	143	17	m.	m.	PROPN
easat-7269	143	18	e.	e.	PROPN
easat-7269	143	19	asamoah	asamoah	PROPN
easat-7269	143	20	,	,	PUNCT
easat-7269	143	21	"	"	PUNCT
easat-7269	143	22	intellectual	intellectual	ADJ
easat-7269	143	23	capital	capital	NOUN
easat-7269	143	24	and	and	CCONJ
easat-7269	143	25	asset	asset	NOUN
easat-7269	143	26	quality	quality	NOUN
easat-7269	143	27	in	in	ADP
easat-7269	143	28	an	an	DET
easat-7269	143	29	emerging	emerge	VERB
easat-7269	143	30	banking	banking	NOUN
easat-7269	143	31	market	market	NOUN
easat-7269	143	32	,	,	PUNCT
easat-7269	143	33	"	"	PUNCT
easat-7269	143	34	asian	asian	ADJ
easat-7269	143	35	journal	journal	NOUN
easat-7269	143	36	of	of	ADP
easat-7269	143	37	accounting	accounting	NOUN
easat-7269	143	38	research	research	NOUN
easat-7269	143	39	,	,	PUNCT
easat-7269	143	40	vol	vol	NOUN
easat-7269	143	41	.	.	PROPN
easat-7269	144	1	6	6	NUM
easat-7269	144	2	,	,	PUNCT
easat-7269	144	3	no	no	INTJ
easat-7269	144	4	.	.	NOUN
easat-7269	144	5	1	1	NUM
easat-7269	144	6	,	,	PUNCT
easat-7269	144	7	pp	pp	ADJ
easat-7269	144	8	.	.	PUNCT
easat-7269	145	1	55	55	NUM
easat-7269	145	2	-	-	SYM
easat-7269	145	3	68	68	NUM
easat-7269	145	4	,	,	PUNCT
easat-7269	145	5	2021	2021	NUM
easat-7269	145	6	.	.	PUNCT
easat-7269	146	1	https://doi.org/10.1108/ajar05-2020-0034	https://doi.org/10.1108/ajar05-2020-0034	NOUN
easat-7269	147	1	[	[	X
easat-7269	147	2	8	8	NUM
easat-7269	147	3	]	]	PUNCT
easat-7269	147	4	l.	l.	PROPN
easat-7269	147	5	kim	kim	PROPN
easat-7269	147	6	and	and	CCONJ
easat-7269	147	7	t.	t.	PROPN
easat-7269	147	8	jindabot	jindabot	PROPN
easat-7269	147	9	,	,	PUNCT
easat-7269	147	10	"	"	PUNCT
easat-7269	147	11	key	key	ADJ
easat-7269	147	12	determinants	determinant	NOUN
easat-7269	147	13	on	on	ADP
easat-7269	147	14	switching	switch	VERB
easat-7269	147	15	intention	intention	NOUN
easat-7269	147	16	in	in	ADP
easat-7269	147	17	cambodian	cambodian	ADJ
easat-7269	147	18	banking	banking	NOUN
easat-7269	147	19	market	market	NOUN
easat-7269	147	20	,	,	PUNCT
easat-7269	147	21	"	"	PUNCT
easat-7269	147	22	abac	abac	ADJ
easat-7269	147	23	journal	journal	NOUN
easat-7269	147	24	,	,	PUNCT
easat-7269	147	25	vol	vol	NOUN
easat-7269	147	26	.	.	PROPN
easat-7269	147	27	41	41	NUM
easat-7269	147	28	,	,	PUNCT
easat-7269	147	29	no	no	INTJ
easat-7269	147	30	.	.	NOUN
easat-7269	147	31	2	2	NUM
easat-7269	147	32	,	,	PUNCT
easat-7269	147	33	pp	pp	ADJ
easat-7269	147	34	.	.	PUNCT
easat-7269	148	1	204	204	NUM
easat-7269	148	2	-	-	SYM
easat-7269	148	3	222	222	NUM
easat-7269	148	4	,	,	PUNCT
easat-7269	148	5	2021	2021	NUM
easat-7269	148	6	.	.	PUNCT
easat-7269	149	1	[	[	X
easat-7269	149	2	9	9	NUM
easat-7269	149	3	]	]	X
easat-7269	149	4	r.	r.	PROPN
easat-7269	149	5	rahmayati	rahmayati	PROPN
easat-7269	149	6	,	,	PUNCT
easat-7269	149	7	"	"	PUNCT
easat-7269	149	8	competition	competition	NOUN
easat-7269	149	9	strategy	strategy	NOUN
easat-7269	149	10	in	in	ADP
easat-7269	149	11	the	the	DET
easat-7269	149	12	islamic	islamic	ADJ
easat-7269	149	13	banking	banking	NOUN
easat-7269	149	14	industry	industry	NOUN
easat-7269	149	15	:	:	PUNCT
easat-7269	149	16	an	an	DET
easat-7269	149	17	empirical	empirical	ADJ
easat-7269	149	18	review	review	NOUN
easat-7269	149	19	,	,	PUNCT
easat-7269	149	20	"	"	PUNCT
easat-7269	149	21	international	international	ADJ
easat-7269	149	22	journal	journal	NOUN
easat-7269	149	23	of	of	ADP
easat-7269	149	24	business	business	NOUN
easat-7269	149	25	,	,	PUNCT
easat-7269	149	26	economics	economic	NOUN
easat-7269	149	27	,	,	PUNCT
easat-7269	149	28	and	and	CCONJ
easat-7269	149	29	social	social	ADJ
easat-7269	149	30	development	development	NOUN
easat-7269	149	31	,	,	PUNCT
easat-7269	149	32	vol	vol	NOUN
easat-7269	149	33	.	.	PROPN
easat-7269	149	34	2	2	NUM
easat-7269	149	35	,	,	PUNCT
easat-7269	149	36	no	no	INTJ
easat-7269	149	37	.	.	NOUN
easat-7269	149	38	2	2	NUM
easat-7269	149	39	,	,	PUNCT
easat-7269	149	40	pp	pp	ADJ
easat-7269	149	41	.	.	PUNCT
easat-7269	150	1	65	65	NUM
easat-7269	150	2	-	-	SYM
easat-7269	150	3	71	71	NUM
easat-7269	150	4	,	,	PUNCT
easat-7269	150	5	2021	2021	NUM
easat-7269	150	6	.	.	PUNCT
easat-7269	151	1	https://doi.org/10.46336/ijbesd.v2i2.133	https://doi.org/10.46336/ijbesd.v2i2.133	PROPN
easat-7269	151	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7269	151	3	https://doi.org/10.1108/jabs-05-2022-0174	https://doi.org/10.1108/jabs-05-2022-0174	ADV
easat-7269	151	4	https://doi.org/10.1108/ajar-05-2020-0034	https://doi.org/10.1108/ajar-05-2020-0034	ADJ
easat-7269	151	5	https://doi.org/10.1108/ajar-05-2020-0034	https://doi.org/10.1108/ajar-05-2020-0034	ADJ
easat-7269	151	6	https://doi.org/10.46336/ijbesd.v2i2.133	https://doi.org/10.46336/ijbesd.v2i2.133	NUM
easat-7269	151	7	1721	1721	NUM
easat-7269	151	8	edelweiss	edelweiss	PROPN
easat-7269	151	9	applied	apply	VERB
easat-7269	151	10	science	science	NOUN
easat-7269	151	11	and	and	CCONJ
easat-7269	151	12	technology	technology	NOUN
easat-7269	151	13	issn	issn	PROPN
easat-7269	151	14	:	:	PUNCT
easat-7269	151	15	2576	2576	NUM
easat-7269	151	16	-	-	SYM
easat-7269	151	17	8484	8484	NUM
easat-7269	151	18	vol	vol	NOUN
easat-7269	151	19	.	.	PROPN
easat-7269	152	1	9	9	NUM
easat-7269	152	2	,	,	PUNCT
easat-7269	152	3	no	no	INTJ
easat-7269	152	4	.	.	NOUN
easat-7269	152	5	5	5	NUM
easat-7269	152	6	:	:	PUNCT
easat-7269	152	7	1711	1711	NUM
easat-7269	152	8	-	-	SYM
easat-7269	152	9	1721	1721	NUM
easat-7269	152	10	,	,	PUNCT
easat-7269	152	11	2025	2025	NUM
easat-7269	152	12	doi	doi	NOUN
easat-7269	152	13	:	:	PUNCT
easat-7269	152	14	10.55214/25768484.v9i5.7269	10.55214/25768484.v9i5.7269	PROPN
easat-7269	152	15	©	©	PROPN
easat-7269	152	16	2025	2025	NUM
easat-7269	152	17	by	by	ADP
easat-7269	152	18	the	the	DET
easat-7269	152	19	authors	author	NOUN
easat-7269	152	20	;	;	PUNCT
easat-7269	152	21	licensee	licensee	PROPN
easat-7269	152	22	learning	learning	NOUN
easat-7269	152	23	gate	gate	NOUN
easat-7269	153	1	[	[	X
easat-7269	153	2	10	10	NUM
easat-7269	153	3	]	]	PUNCT
easat-7269	153	4	t.	t.	NOUN
easat-7269	153	5	giddey	giddey	NOUN
easat-7269	153	6	and	and	CCONJ
easat-7269	153	7	m.	m.	NOUN
easat-7269	153	8	mazbouri	mazbouri	PROPN
easat-7269	153	9	,	,	PUNCT
easat-7269	153	10	"	"	PUNCT
easat-7269	153	11	banking	banking	NOUN
easat-7269	153	12	crises	crisis	NOUN
easat-7269	153	13	,	,	PUNCT
easat-7269	153	14	banking	banking	NOUN
easat-7269	153	15	mortality	mortality	NOUN
easat-7269	153	16	and	and	CCONJ
easat-7269	153	17	the	the	DET
easat-7269	153	18	structuring	structuring	NOUN
easat-7269	153	19	of	of	ADP
easat-7269	153	20	the	the	DET
easat-7269	153	21	banking	banking	NOUN
easat-7269	153	22	market	market	NOUN
easat-7269	153	23	in	in	ADP
easat-7269	153	24	switzerland	switzerland	PROPN
easat-7269	153	25	,	,	PUNCT
easat-7269	153	26	1850–2000	1850–2000	NUM
easat-7269	153	27	,	,	PUNCT
easat-7269	153	28	"	"	PUNCT
easat-7269	153	29	financial	financial	ADJ
easat-7269	153	30	history	history	NOUN
easat-7269	153	31	review	review	NOUN
easat-7269	153	32	,	,	PUNCT
easat-7269	153	33	vol	vol	NOUN
easat-7269	153	34	.	.	PROPN
easat-7269	153	35	29	29	NUM
easat-7269	153	36	,	,	PUNCT
easat-7269	153	37	no	no	INTJ
easat-7269	153	38	.	.	NOUN
easat-7269	153	39	2	2	NUM
easat-7269	153	40	,	,	PUNCT
easat-7269	153	41	pp	pp	ADJ
easat-7269	153	42	.	.	PUNCT
easat-7269	153	43	247	247	NUM
easat-7269	153	44	-	-	SYM
easat-7269	153	45	270	270	NUM
easat-7269	153	46	,	,	PUNCT
easat-7269	153	47	2022	2022	NUM
easat-7269	153	48	.	.	PUNCT
easat-7269	154	1	https://doi.org/10.1017/s0968565022000129	https://doi.org/10.1017/s0968565022000129	NUM
easat-7269	155	1	[	[	X
easat-7269	155	2	11	11	NUM
easat-7269	155	3	]	]	PUNCT
easat-7269	155	4	a.	a.	NOUN
easat-7269	155	5	risman	risman	PROPN
easat-7269	155	6	,	,	PUNCT
easat-7269	155	7	b.	b.	PROPN
easat-7269	155	8	mulyana	mulyana	PROPN
easat-7269	155	9	,	,	PUNCT
easat-7269	155	10	b.	b.	PROPN
easat-7269	155	11	silvatika	silvatika	PROPN
easat-7269	155	12	,	,	PUNCT
easat-7269	155	13	and	and	CCONJ
easat-7269	155	14	a.	a.	NOUN
easat-7269	155	15	sulaeman	sulaeman	NOUN
easat-7269	155	16	,	,	PUNCT
easat-7269	155	17	"	"	PUNCT
easat-7269	155	18	the	the	DET
easat-7269	155	19	effect	effect	NOUN
easat-7269	155	20	of	of	ADP
easat-7269	155	21	digital	digital	ADJ
easat-7269	155	22	finance	finance	NOUN
easat-7269	155	23	on	on	ADP
easat-7269	155	24	financial	financial	ADJ
easat-7269	155	25	stability	stability	NOUN
easat-7269	155	26	,	,	PUNCT
easat-7269	155	27	"	"	PUNCT
easat-7269	155	28	management	management	NOUN
easat-7269	155	29	science	science	NOUN
easat-7269	155	30	letters	letter	NOUN
easat-7269	155	31	,	,	PUNCT
easat-7269	155	32	vol	vol	NOUN
easat-7269	155	33	.	.	PROPN
easat-7269	155	34	11	11	NUM
easat-7269	155	35	,	,	PUNCT
easat-7269	155	36	no	no	INTJ
easat-7269	155	37	.	.	NOUN
easat-7269	155	38	7	7	NUM
easat-7269	155	39	,	,	PUNCT
easat-7269	155	40	pp	pp	ADJ
easat-7269	155	41	.	.	PUNCT
easat-7269	155	42	1979	1979	NUM
easat-7269	155	43	-	-	SYM
easat-7269	155	44	1984	1984	NUM
easat-7269	155	45	,	,	PUNCT
easat-7269	155	46	2021	2021	NUM
easat-7269	155	47	.	.	PUNCT
easat-7269	156	1	https://doi.org/10.5267/j.msl.2021.3.012	https://doi.org/10.5267/j.msl.2021.3.012	NOUN
easat-7269	157	1	[	[	X
easat-7269	157	2	12	12	NUM
easat-7269	157	3	]	]	PUNCT
easat-7269	157	4	p.	p.	PROPN
easat-7269	157	5	k.	k.	PROPN
easat-7269	157	6	ozili	ozili	PROPN
easat-7269	157	7	,	,	PUNCT
easat-7269	157	8	"	"	PUNCT
easat-7269	157	9	digital	digital	ADJ
easat-7269	157	10	finance	finance	NOUN
easat-7269	157	11	,	,	PUNCT
easat-7269	157	12	green	green	ADJ
easat-7269	157	13	finance	finance	NOUN
easat-7269	157	14	and	and	CCONJ
easat-7269	157	15	social	social	ADJ
easat-7269	157	16	finance	finance	NOUN
easat-7269	157	17	:	:	PUNCT
easat-7269	157	18	is	be	AUX
easat-7269	157	19	there	there	PRON
easat-7269	157	20	a	a	DET
easat-7269	157	21	link	link	NOUN
easat-7269	157	22	?	?	PUNCT
easat-7269	157	23	,	,	PUNCT
easat-7269	157	24	"	"	PUNCT
easat-7269	157	25	financial	financial	ADJ
easat-7269	157	26	internet	internet	NOUN
easat-7269	157	27	quarterly	quarterly	ADJ
easat-7269	157	28	,	,	PUNCT
easat-7269	157	29	vol	vol	NOUN
easat-7269	157	30	.	.	PROPN
easat-7269	157	31	17	17	NUM
easat-7269	157	32	,	,	PUNCT
easat-7269	157	33	no	no	INTJ
easat-7269	157	34	.	.	NOUN
easat-7269	157	35	1	1	NUM
easat-7269	157	36	,	,	PUNCT
easat-7269	157	37	pp	pp	ADJ
easat-7269	157	38	.	.	PUNCT
easat-7269	158	1	1	1	NUM
easat-7269	158	2	-	-	SYM
easat-7269	158	3	7	7	NUM
easat-7269	158	4	,	,	PUNCT
easat-7269	158	5	2021	2021	NUM
easat-7269	158	6	.	.	PUNCT
easat-7269	159	1	https://doi.org/10.2478/fiqf-2021-0001	https://doi.org/10.2478/fiqf-2021-0001	X
easat-7269	160	1	[	[	X
easat-7269	160	2	13	13	NUM
easat-7269	160	3	]	]	X
easat-7269	160	4	d.	d.	PROPN
easat-7269	160	5	ibrahim	ibrahim	PROPN
easat-7269	160	6	et	et	PROPN
easat-7269	160	7	al	al	PROPN
easat-7269	160	8	.	.	PROPN
easat-7269	160	9	,	,	PUNCT
easat-7269	160	10	"	"	PUNCT
easat-7269	160	11	the	the	DET
easat-7269	160	12	effect	effect	NOUN
easat-7269	160	13	of	of	ADP
easat-7269	160	14	digital	digital	ADJ
easat-7269	160	15	marketing	marketing	NOUN
easat-7269	160	16	,	,	PUNCT
easat-7269	160	17	digital	digital	ADJ
easat-7269	160	18	finance	finance	NOUN
easat-7269	160	19	and	and	CCONJ
easat-7269	160	20	digital	digital	ADJ
easat-7269	160	21	payment	payment	NOUN
easat-7269	160	22	on	on	ADP
easat-7269	160	23	finance	finance	NOUN
easat-7269	160	24	performance	performance	NOUN
easat-7269	160	25	of	of	ADP
easat-7269	160	26	indonesian	indonesian	ADJ
easat-7269	160	27	smes	sme	NOUN
easat-7269	160	28	,	,	PUNCT
easat-7269	160	29	"	"	PUNCT
easat-7269	160	30	international	international	ADJ
easat-7269	160	31	journal	journal	NOUN
easat-7269	160	32	of	of	ADP
easat-7269	160	33	data	datum	NOUN
easat-7269	160	34	and	and	CCONJ
easat-7269	160	35	network	network	NOUN
easat-7269	160	36	science	science	NOUN
easat-7269	160	37	,	,	PUNCT
easat-7269	160	38	vol	vol	NOUN
easat-7269	160	39	.	.	PROPN
easat-7269	161	1	6	6	NUM
easat-7269	161	2	,	,	PUNCT
easat-7269	161	3	no	no	INTJ
easat-7269	161	4	.	.	NOUN
easat-7269	161	5	1	1	NUM
easat-7269	161	6	,	,	PUNCT
easat-7269	161	7	pp	pp	ADJ
easat-7269	161	8	.	.	PUNCT
easat-7269	162	1	37	37	NUM
easat-7269	162	2	-	-	SYM
easat-7269	162	3	44	44	NUM
easat-7269	162	4	,	,	PUNCT
easat-7269	162	5	2021	2021	NUM
easat-7269	162	6	.	.	PUNCT
easat-7269	163	1	https://doi.org/10.5267/j.ijdns.2021.10.006	https://doi.org/10.5267/j.ijdns.2021.10.006	NOUN
easat-7269	163	2	[	[	X
easat-7269	163	3	14	14	NUM
easat-7269	163	4	]	]	PUNCT
easat-7269	163	5	j.	j.	PROPN
easat-7269	163	6	liu	liu	PROPN
easat-7269	163	7	,	,	PUNCT
easat-7269	163	8	y.	y.	PROPN
easat-7269	163	9	jiang	jiang	PROPN
easat-7269	163	10	,	,	PUNCT
easat-7269	163	11	s.	s.	PROPN
easat-7269	163	12	gan	gan	PROPN
easat-7269	163	13	,	,	PUNCT
easat-7269	163	14	l.	l.	PROPN
easat-7269	163	15	he	he	PRON
easat-7269	163	16	,	,	PUNCT
easat-7269	163	17	and	and	CCONJ
easat-7269	163	18	q.	q.	PROPN
easat-7269	163	19	zhang	zhang	PROPN
easat-7269	163	20	,	,	PUNCT
easat-7269	163	21	"	"	PUNCT
easat-7269	163	22	can	can	AUX
easat-7269	163	23	digital	digital	VERB
easat-7269	163	24	finance	finance	NOUN
easat-7269	163	25	promote	promote	VERB
easat-7269	163	26	corporate	corporate	ADJ
easat-7269	163	27	green	green	ADJ
easat-7269	163	28	innovation	innovation	NOUN
easat-7269	163	29	?	?	PUNCT
easat-7269	163	30	,	,	PUNCT
easat-7269	163	31	"	"	PUNCT
easat-7269	163	32	environmental	environmental	ADJ
easat-7269	163	33	science	science	NOUN
easat-7269	163	34	and	and	CCONJ
easat-7269	163	35	pollution	pollution	NOUN
easat-7269	163	36	research	research	NOUN
easat-7269	163	37	,	,	PUNCT
easat-7269	163	38	vol	vol	NOUN
easat-7269	163	39	.	.	PROPN
easat-7269	163	40	29	29	NUM
easat-7269	163	41	,	,	PUNCT
easat-7269	163	42	no	no	INTJ
easat-7269	163	43	.	.	NOUN
easat-7269	163	44	24	24	NUM
easat-7269	163	45	,	,	PUNCT
easat-7269	163	46	pp	pp	ADJ
easat-7269	163	47	.	.	PUNCT
easat-7269	164	1	35828	35828	NUM
easat-7269	164	2	-	-	SYM
easat-7269	164	3	35840	35840	NUM
easat-7269	164	4	,	,	PUNCT
easat-7269	164	5	2022	2022	NUM
easat-7269	164	6	.	.	PUNCT
easat-7269	165	1	https://doi.org/10.1007/s11356022-18667-4	https://doi.org/10.1007/s11356022-18667-4	NOUN
easat-7269	165	2	[	[	X
easat-7269	165	3	15	15	NUM
easat-7269	165	4	]	]	X
easat-7269	165	5	p.	p.	PROPN
easat-7269	165	6	khera	khera	PROPN
easat-7269	165	7	,	,	PUNCT
easat-7269	165	8	s.	s.	PROPN
easat-7269	165	9	ng	ng	PROPN
easat-7269	165	10	,	,	PUNCT
easat-7269	165	11	s.	s.	PROPN
easat-7269	165	12	ogawa	ogawa	PROPN
easat-7269	165	13	,	,	PUNCT
easat-7269	165	14	and	and	CCONJ
easat-7269	165	15	r.	r.	PROPN
easat-7269	165	16	sahay	sahay	PROPN
easat-7269	165	17	,	,	PUNCT
easat-7269	165	18	"	"	PUNCT
easat-7269	165	19	measuring	measure	VERB
easat-7269	165	20	digital	digital	ADJ
easat-7269	165	21	financial	financial	ADJ
easat-7269	165	22	inclusion	inclusion	NOUN
easat-7269	165	23	in	in	ADP
easat-7269	165	24	emerging	emerge	VERB
easat-7269	165	25	market	market	NOUN
easat-7269	165	26	and	and	CCONJ
easat-7269	165	27	developing	develop	VERB
easat-7269	165	28	economies	economy	NOUN
easat-7269	165	29	:	:	PUNCT
easat-7269	165	30	a	a	DET
easat-7269	165	31	new	new	ADJ
easat-7269	165	32	index	index	NOUN
easat-7269	165	33	,	,	PUNCT
easat-7269	165	34	"	"	PUNCT
easat-7269	165	35	asian	asian	ADJ
easat-7269	165	36	economic	economic	ADJ
easat-7269	165	37	policy	policy	NOUN
easat-7269	165	38	review	review	NOUN
easat-7269	165	39	,	,	PUNCT
easat-7269	165	40	vol	vol	NOUN
easat-7269	165	41	.	.	PROPN
easat-7269	165	42	17	17	NUM
easat-7269	165	43	,	,	PUNCT
easat-7269	165	44	no	no	INTJ
easat-7269	165	45	.	.	NOUN
easat-7269	165	46	2	2	NUM
easat-7269	165	47	,	,	PUNCT
easat-7269	165	48	pp	pp	ADJ
easat-7269	165	49	.	.	PUNCT
easat-7269	166	1	213	213	NUM
easat-7269	166	2	-	-	SYM
easat-7269	166	3	230	230	NUM
easat-7269	166	4	,	,	PUNCT
easat-7269	166	5	2022	2022	NUM
easat-7269	166	6	.	.	PUNCT
easat-7269	167	1	https://doi.org/10.1111/aepr.12377	https://doi.org/10.1111/aepr.12377	NOUN
easat-7269	167	2	https://doi.org/10.1017/s0968565022000129	https://doi.org/10.1017/s0968565022000129	NUM
easat-7269	167	3	https://doi.org/10.5267/j.msl.2021.3.012	https://doi.org/10.5267/j.msl.2021.3.012	NOUN
easat-7269	167	4	https://doi.org/10.2478/fiqf-2021-0001	https://doi.org/10.2478/fiqf-2021-0001	NOUN
easat-7269	167	5	https://doi.org/10.5267/j.ijdns.2021.10.006	https://doi.org/10.5267/j.ijdns.2021.10.006	NOUN
easat-7269	167	6	https://doi.org/10.1007/s11356-022-18667-4	https://doi.org/10.1007/s11356-022-18667-4	NUM
easat-7269	167	7	https://doi.org/10.1007/s11356-022-18667-4	https://doi.org/10.1007/s11356-022-18667-4	NUM
easat-7269	167	8	https://doi.org/10.1111/aepr.12377	https://doi.org/10.1111/aepr.12377	NOUN