id	sid	tid	token	lemma	pos
easat-9950	1	1	edelweiss	edelweiss	PROPN
easat-9950	1	2	applied	apply	VERB
easat-9950	1	3	science	science	NOUN
easat-9950	1	4	and	and	CCONJ
easat-9950	1	5	technology	technology	NOUN
easat-9950	1	6	issn	issn	PROPN
easat-9950	1	7	:	:	PUNCT
easat-9950	1	8	2576	2576	NUM
easat-9950	1	9	-	-	SYM
easat-9950	1	10	8484	8484	NUM
easat-9950	1	11	vol	vol	NOUN
easat-9950	1	12	.	.	PROPN
easat-9950	2	1	9	9	NUM
easat-9950	2	2	,	,	PUNCT
easat-9950	2	3	no	no	INTJ
easat-9950	2	4	.	.	NOUN
easat-9950	2	5	9	9	NUM
easat-9950	2	6	,	,	PUNCT
easat-9950	2	7	699	699	NUM
easat-9950	2	8	-	-	SYM
easat-9950	2	9	714	714	NUM
easat-9950	2	10	2025	2025	NUM
easat-9950	2	11	publisher	publisher	NOUN
easat-9950	2	12	:	:	PUNCT
easat-9950	2	13	learning	learn	VERB
easat-9950	2	14	gate	gate	NOUN
easat-9950	2	15	doi	doi	PROPN
easat-9950	2	16	:	:	PUNCT
easat-9950	2	17	10.55214/2576	10.55214/2576	NUM
easat-9950	2	18	-	-	SYM
easat-9950	2	19	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	3	1	©	©	PROPN
easat-9950	3	2	2025	2025	NUM
easat-9950	3	3	by	by	ADP
easat-9950	3	4	the	the	DET
easat-9950	3	5	authors	author	NOUN
easat-9950	3	6	;	;	PUNCT
easat-9950	3	7	licensee	licensee	PROPN
easat-9950	3	8	learning	learning	NOUN
easat-9950	3	9	gate	gate	NOUN
easat-9950	3	10	©	©	PROPN
easat-9950	3	11	2025	2025	NUM
easat-9950	3	12	by	by	ADP
easat-9950	3	13	the	the	DET
easat-9950	3	14	authors	author	NOUN
easat-9950	3	15	;	;	PUNCT
easat-9950	3	16	licensee	licensee	PROPN
easat-9950	3	17	learning	learning	NOUN
easat-9950	3	18	gate	gate	NOUN
easat-9950	3	19	history	history	NOUN
easat-9950	3	20	:	:	PUNCT
easat-9950	3	21	received	receive	VERB
easat-9950	3	22	:	:	PUNCT
easat-9950	3	23	7	7	NUM
easat-9950	3	24	july	july	NOUN
easat-9950	3	25	2025	2025	NUM
easat-9950	3	26	;	;	PUNCT
easat-9950	3	27	revised	revise	VERB
easat-9950	3	28	:	:	PUNCT
easat-9950	3	29	18	18	NUM
easat-9950	3	30	august	august	PROPN
easat-9950	3	31	2025	2025	NUM
easat-9950	3	32	;	;	PUNCT
easat-9950	3	33	accepted	accept	VERB
easat-9950	3	34	:	:	PUNCT
easat-9950	3	35	22	22	NUM
easat-9950	3	36	august	august	PROPN
easat-9950	3	37	2025	2025	NUM
easat-9950	3	38	;	;	PUNCT
easat-9950	3	39	published	publish	VERB
easat-9950	3	40	:	:	PUNCT
easat-9950	3	41	12	12	NUM
easat-9950	3	42	september	september	PROPN
easat-9950	3	43	2025	2025	NUM
easat-9950	3	44	*	*	PUNCT
easat-9950	3	45	correspondence	correspondence	NOUN
easat-9950	3	46	:	:	PUNCT
easat-9950	4	1	challoumis_constantinos@yahoo.com	challoumis_constantinos@yahoo.com	X
easat-9950	4	2	mobile	mobile	ADJ
easat-9950	4	3	applications	application	NOUN
easat-9950	4	4	and	and	CCONJ
easat-9950	4	5	internet	internet	NOUN
easat-9950	4	6	banking	banking	NOUN
easat-9950	4	7	for	for	ADP
easat-9950	4	8	greek	greek	ADJ
easat-9950	4	9	enterprises	enterprise	NOUN
easat-9950	4	10	constantinos	constantino	NOUN
easat-9950	4	11	challoumis1	challoumis1	VERB
easat-9950	4	12	*	*	NOUN
easat-9950	4	13	,	,	PUNCT
easat-9950	4	14	nikolaos	nikolaos	PROPN
easat-9950	4	15	eriotis2	eriotis2	PROPN
easat-9950	4	16	,	,	PUNCT
easat-9950	4	17	dimitrios	dimitrio	VERB
easat-9950	4	18	vasiliou3	vasiliou3	NOUN
easat-9950	5	1	1philips	1philips	NUM
easat-9950	5	2	university	university	NOUN
easat-9950	5	3	,	,	PUNCT
easat-9950	5	4	nicosia	nicosia	PROPN
easat-9950	5	5	,	,	PUNCT
easat-9950	5	6	cyprus	cyprus	PROPN
easat-9950	5	7	and	and	CCONJ
easat-9950	5	8	visiting	visit	VERB
easat-9950	5	9	professor	professor	NOUN
easat-9950	5	10	national	national	ADJ
easat-9950	5	11	and	and	CCONJ
easat-9950	5	12	kapodistrian	kapodistrian	ADJ
easat-9950	5	13	university	university	PROPN
easat-9950	5	14	of	of	ADP
easat-9950	5	15	athens	athens	PROPN
easat-9950	5	16	,	,	PUNCT
easat-9950	5	17	greece	greece	PROPN
easat-9950	5	18	;	;	PUNCT
easat-9950	5	19	challoumis_constantinos@yahoo.com	challoumis_constantinos@yahoo.com	PROPN
easat-9950	5	20	,	,	PUNCT
easat-9950	5	21	conchall@uoa.gr	conchall@uoa.gr	PROPN
easat-9950	5	22	,	,	PUNCT
easat-9950	5	23	challoumis_constantinos@philipsuni.ac.cy	challoumis_constantinos@philipsuni.ac.cy	PRON
easat-9950	5	24	(	(	PUNCT
easat-9950	5	25	c.c	c.c	PROPN
easat-9950	5	26	.	.	PROPN
easat-9950	5	27	)	)	PUNCT
easat-9950	5	28	.	.	PUNCT
easat-9950	6	1	2,3national	2,3national	NUM
easat-9950	6	2	and	and	CCONJ
easat-9950	6	3	kapodistrian	kapodistrian	ADJ
easat-9950	6	4	university	university	PROPN
easat-9950	6	5	of	of	ADP
easat-9950	6	6	athens	athens	PROPN
easat-9950	6	7	,	,	PUNCT
easat-9950	6	8	greece	greece	PROPN
easat-9950	6	9	;	;	PUNCT
easat-9950	6	10	neriot@ba.uoa.gr	neriot@ba.uoa.gr	NOUN
easat-9950	6	11	(	(	PUNCT
easat-9950	6	12	n.e	n.e	PROPN
easat-9950	6	13	.	.	PUNCT
easat-9950	6	14	)	)	PUNCT
easat-9950	7	1	dvasiliou@ba.uoa.gr	dvasiliou@ba.uoa.gr	PROPN
easat-9950	7	2	(	(	PUNCT
easat-9950	7	3	d.v	d.v	PROPN
easat-9950	7	4	.	.	PROPN
easat-9950	7	5	)	)	PUNCT
easat-9950	7	6	.	.	PUNCT
easat-9950	8	1	abstract	abstract	ADV
easat-9950	8	2	:	:	PUNCT
easat-9950	8	3	this	this	DET
easat-9950	8	4	paper	paper	NOUN
easat-9950	8	5	examines	examine	VERB
easat-9950	8	6	how	how	SCONJ
easat-9950	8	7	mobile	mobile	ADJ
easat-9950	8	8	applications	application	NOUN
easat-9950	8	9	,	,	PUNCT
easat-9950	8	10	when	when	SCONJ
easat-9950	8	11	tightly	tightly	ADV
easat-9950	8	12	integrated	integrate	VERB
easat-9950	8	13	with	with	ADP
easat-9950	8	14	internet	internet	NOUN
easat-9950	8	15	banking	banking	NOUN
easat-9950	8	16	,	,	PUNCT
easat-9950	8	17	can	can	AUX
easat-9950	8	18	accelerate	accelerate	VERB
easat-9950	8	19	the	the	DET
easat-9950	8	20	digital	digital	ADJ
easat-9950	8	21	transformation	transformation	NOUN
easat-9950	8	22	of	of	ADP
easat-9950	8	23	greek	greek	ADJ
easat-9950	8	24	enterprises	enterprise	NOUN
easat-9950	8	25	.	.	PUNCT
easat-9950	9	1	it	it	PRON
easat-9950	9	2	synthesizes	synthesize	VERB
easat-9950	9	3	the	the	DET
easat-9950	9	4	technology	technology	NOUN
easat-9950	9	5	stack	stack	NOUN
easat-9950	9	6	(	(	PUNCT
easat-9950	9	7	ui	ui	NOUN
easat-9950	9	8	modules	module	NOUN
easat-9950	9	9	,	,	PUNCT
easat-9950	9	10	data	datum	NOUN
easat-9950	9	11	management	management	NOUN
easat-9950	9	12	,	,	PUNCT
easat-9950	9	13	gateways	gateway	NOUN
easat-9950	9	14	,	,	PUNCT
easat-9950	9	15	messaging	messaging	NOUN
easat-9950	9	16	,	,	PUNCT
easat-9950	9	17	and	and	CCONJ
easat-9950	9	18	security	security	NOUN
easat-9950	9	19	)	)	PUNCT
easat-9950	9	20	,	,	PUNCT
easat-9950	9	21	regulatory	regulatory	ADJ
easat-9950	9	22	context	context	NOUN
easat-9950	9	23	,	,	PUNCT
easat-9950	9	24	user	user	NOUN
easat-9950	9	25	experience	experience	NOUN
easat-9950	9	26	determinants	determinant	NOUN
easat-9950	9	27	,	,	PUNCT
easat-9950	9	28	and	and	CCONJ
easat-9950	9	29	market	market	NOUN
easat-9950	9	30	dynamics	dynamic	NOUN
easat-9950	9	31	,	,	PUNCT
easat-9950	9	32	and	and	CCONJ
easat-9950	9	33	complements	complement	VERB
easat-9950	9	34	these	these	PRON
easat-9950	9	35	with	with	ADP
easat-9950	9	36	case	case	NOUN
easat-9950	9	37	-	-	PUNCT
easat-9950	9	38	style	style	NOUN
easat-9950	9	39	insights	insight	NOUN
easat-9950	9	40	and	and	CCONJ
easat-9950	9	41	a	a	DET
easat-9950	9	42	brief	brief	ADJ
easat-9950	9	43	eu	eu	PROPN
easat-9950	9	44	comparison	comparison	NOUN
easat-9950	9	45	.	.	PUNCT
easat-9950	10	1	findings	finding	NOUN
easat-9950	10	2	indicate	indicate	VERB
easat-9950	10	3	that	that	SCONJ
easat-9950	10	4	,	,	PUNCT
easat-9950	10	5	although	although	SCONJ
easat-9950	10	6	online	online	ADJ
easat-9950	10	7	and	and	CCONJ
easat-9950	10	8	mobile	mobile	ADJ
easat-9950	10	9	banking	banking	NOUN
easat-9950	10	10	penetration	penetration	NOUN
easat-9950	10	11	in	in	ADP
easat-9950	10	12	greece	greece	PROPN
easat-9950	10	13	has	have	AUX
easat-9950	10	14	lagged	lag	VERB
easat-9950	10	15	behind	behind	ADP
easat-9950	10	16	eu	eu	PROPN
easat-9950	10	17	averages	average	NOUN
easat-9950	10	18	,	,	PUNCT
easat-9950	10	19	mobile	mobile	ADJ
easat-9950	10	20	access	access	NOUN
easat-9950	10	21	is	be	AUX
easat-9950	10	22	now	now	ADV
easat-9950	10	23	the	the	DET
easat-9950	10	24	primary	primary	ADJ
easat-9950	10	25	driver	driver	NOUN
easat-9950	10	26	of	of	ADP
easat-9950	10	27	uptake	uptake	NOUN
easat-9950	10	28	.	.	PUNCT
easat-9950	11	1	the	the	DET
easat-9950	11	2	integration	integration	NOUN
easat-9950	11	3	imperative	imperative	NOUN
easat-9950	11	4	—	—	PUNCT
easat-9950	11	5	shared	share	VERB
easat-9950	11	6	services	service	NOUN
easat-9950	11	7	/	/	SYM
easat-9950	11	8	apis	apis	PROPN
easat-9950	11	9	over	over	ADP
easat-9950	11	10	reliable	reliable	ADJ
easat-9950	11	11	back	back	NOUN
easat-9950	11	12	-	-	PUNCT
easat-9950	11	13	ends	end	NOUN
easat-9950	11	14	—	—	PUNCT
easat-9950	11	15	emerges	emerge	VERB
easat-9950	11	16	as	as	ADP
easat-9950	11	17	the	the	DET
easat-9950	11	18	central	central	ADJ
easat-9950	11	19	technical	technical	ADJ
easat-9950	11	20	enabler	enabler	NOUN
easat-9950	11	21	,	,	PUNCT
easat-9950	11	22	while	while	SCONJ
easat-9950	11	23	perceived	perceive	VERB
easat-9950	11	24	security	security	NOUN
easat-9950	11	25	(	(	PUNCT
easat-9950	11	26	confidentiality	confidentiality	NOUN
easat-9950	11	27	,	,	PUNCT
easat-9950	11	28	strong	strong	ADJ
easat-9950	11	29	authentication	authentication	NOUN
easat-9950	11	30	,	,	PUNCT
easat-9950	11	31	non	non	ADJ
easat-9950	11	32	-	-	NOUN
easat-9950	11	33	repudiation	repudiation	NOUN
easat-9950	11	34	)	)	PUNCT
easat-9950	11	35	remains	remain	VERB
easat-9950	11	36	the	the	DET
easat-9950	11	37	dominant	dominant	ADJ
easat-9950	11	38	adoption	adoption	NOUN
easat-9950	11	39	barrier	barrier	NOUN
easat-9950	11	40	.	.	PUNCT
easat-9950	12	1	user	user	NOUN
easat-9950	12	2	experience	experience	PROPN
easat-9950	12	3	quality	quality	NOUN
easat-9950	12	4	and	and	CCONJ
easat-9950	12	5	multichannel	multichannel	PROPN
easat-9950	12	6	consistency	consistency	NOUN
easat-9950	12	7	strongly	strongly	ADV
easat-9950	12	8	influence	influence	NOUN
easat-9950	12	9	usage	usage	NOUN
easat-9950	12	10	frequency	frequency	NOUN
easat-9950	12	11	and	and	CCONJ
easat-9950	12	12	trust	trust	NOUN
easat-9950	12	13	,	,	PUNCT
easat-9950	12	14	and	and	CCONJ
easat-9950	12	15	legacy	legacy	NOUN
easat-9950	12	16	infrastructure	infrastructure	NOUN
easat-9950	12	17	plus	plus	CCONJ
easat-9950	12	18	skills	skill	NOUN
easat-9950	12	19	gaps	gap	NOUN
easat-9950	12	20	constrain	constrain	VERB
easat-9950	12	21	delivery	delivery	NOUN
easat-9950	12	22	speed	speed	NOUN
easat-9950	12	23	.	.	PUNCT
easat-9950	13	1	the	the	DET
easat-9950	13	2	trajectory	trajectory	NOUN
easat-9950	13	3	points	point	NOUN
easat-9950	13	4	to	to	ADP
easat-9950	13	5	the	the	DET
easat-9950	13	6	convergence	convergence	NOUN
easat-9950	13	7	of	of	ADP
easat-9950	13	8	mobile	mobile	ADJ
easat-9950	13	9	and	and	CCONJ
easat-9950	13	10	web	web	NOUN
easat-9950	13	11	banking	banking	NOUN
easat-9950	13	12	,	,	PUNCT
easat-9950	13	13	with	with	ADP
easat-9950	13	14	branches	branch	NOUN
easat-9950	13	15	shifting	shift	VERB
easat-9950	13	16	toward	toward	ADP
easat-9950	13	17	advisory	advisory	ADJ
easat-9950	13	18	roles	role	NOUN
easat-9950	13	19	.	.	PUNCT
easat-9950	14	1	practical	practical	ADJ
easat-9950	14	2	recommendations	recommendation	NOUN
easat-9950	14	3	include	include	VERB
easat-9950	14	4	a	a	DET
easat-9950	14	5	mobile	mobile	NOUN
easat-9950	14	6	-	-	PUNCT
easat-9950	14	7	led	lead	VERB
easat-9950	14	8	product	product	NOUN
easat-9950	14	9	roadmap	roadmap	NOUN
easat-9950	14	10	,	,	PUNCT
easat-9950	14	11	investment	investment	NOUN
easat-9950	14	12	in	in	ADP
easat-9950	14	13	resilience	resilience	NOUN
easat-9950	14	14	and	and	CCONJ
easat-9950	14	15	observability	observability	NOUN
easat-9950	14	16	of	of	ADP
easat-9950	14	17	back	back	ADJ
easat-9950	14	18	-	-	PUNCT
easat-9950	14	19	end	end	NOUN
easat-9950	14	20	services	service	NOUN
easat-9950	14	21	,	,	PUNCT
easat-9950	14	22	rigorous	rigorous	ADJ
easat-9950	14	23	multi	multi	ADJ
easat-9950	14	24	-	-	ADJ
easat-9950	14	25	factor	factor	NOUN
easat-9950	14	26	authentication	authentication	NOUN
easat-9950	14	27	(	(	PUNCT
easat-9950	14	28	mfa)/device	mfa)/device	NOUN
easat-9950	14	29	binding	binding	ADJ
easat-9950	14	30	and	and	CCONJ
easat-9950	14	31	risk	risk	NOUN
easat-9950	14	32	controls	control	NOUN
easat-9950	14	33	,	,	PUNCT
easat-9950	14	34	a	a	DET
easat-9950	14	35	unified	unified	ADJ
easat-9950	14	36	design	design	NOUN
easat-9950	14	37	system	system	NOUN
easat-9950	14	38	across	across	ADP
easat-9950	14	39	channels	channel	NOUN
easat-9950	14	40	,	,	PUNCT
easat-9950	14	41	and	and	CCONJ
easat-9950	14	42	analytics	analytic	NOUN
easat-9950	14	43	-	-	PUNCT
easat-9950	14	44	driven	drive	VERB
easat-9950	14	45	customer	customer	NOUN
easat-9950	14	46	relationship	relationship	NOUN
easat-9950	14	47	management	management	NOUN
easat-9950	14	48	(	(	PUNCT
easat-9950	14	49	crm	crm	NOUN
easat-9950	14	50	)	)	PUNCT
easat-9950	14	51	for	for	ADP
easat-9950	14	52	personalization	personalization	NOUN
easat-9950	14	53	.	.	PUNCT
easat-9950	15	1	overall	overall	ADV
easat-9950	15	2	,	,	PUNCT
easat-9950	15	3	the	the	DET
easat-9950	15	4	paper	paper	NOUN
easat-9950	15	5	offers	offer	VERB
easat-9950	15	6	an	an	DET
easat-9950	15	7	end	end	NOUN
easat-9950	15	8	-	-	PUNCT
easat-9950	15	9	to	to	ADP
easat-9950	15	10	-	-	PUNCT
easat-9950	15	11	end	end	NOUN
easat-9950	15	12	view	view	NOUN
easat-9950	15	13	connecting	connect	VERB
easat-9950	15	14	technology	technology	NOUN
easat-9950	15	15	,	,	PUNCT
easat-9950	15	16	regulation	regulation	NOUN
easat-9950	15	17	,	,	PUNCT
easat-9950	15	18	and	and	CCONJ
easat-9950	15	19	strategy	strategy	NOUN
easat-9950	15	20	to	to	PART
easat-9950	15	21	guide	guide	VERB
easat-9950	15	22	executives	executive	NOUN
easat-9950	15	23	and	and	CCONJ
easat-9950	15	24	practitioners	practitioner	NOUN
easat-9950	15	25	in	in	ADP
easat-9950	15	26	scaling	scale	VERB
easat-9950	15	27	secure	secure	ADJ
easat-9950	15	28	,	,	PUNCT
easat-9950	15	29	user	user	NOUN
easat-9950	15	30	-	-	PUNCT
easat-9950	15	31	centric	centric	ADJ
easat-9950	15	32	mobile	mobile	ADJ
easat-9950	15	33	banking	banking	NOUN
easat-9950	15	34	within	within	ADP
easat-9950	15	35	greece	greece	PROPN
easat-9950	15	36	’s	’s	PART
easat-9950	15	37	banking	banking	PROPN
easat-9950	15	38	ecosystem	ecosystem	NOUN
easat-9950	15	39	.	.	PUNCT
easat-9950	16	1	keywords	keyword	NOUN
easat-9950	16	2	:	:	PUNCT
easat-9950	16	3	banking	banking	NOUN
easat-9950	16	4	system	system	NOUN
easat-9950	16	5	,	,	PUNCT
easat-9950	16	6	greek	greek	NOUN
easat-9950	16	7	enterprises	enterprise	NOUN
easat-9950	16	8	,	,	PUNCT
easat-9950	16	9	mobile	mobile	ADJ
easat-9950	16	10	applications	application	NOUN
easat-9950	16	11	.	.	PUNCT
easat-9950	17	1	1	1	X
easat-9950	17	2	.	.	X
easat-9950	17	3	introduction	introduction	NOUN
easat-9950	17	4	mobile	mobile	ADJ
easat-9950	17	5	applications	application	NOUN
easat-9950	17	6	constitute	constitute	VERB
easat-9950	17	7	computer	computer	NOUN
easat-9950	17	8	programs	program	NOUN
easat-9950	17	9	developed	develop	VERB
easat-9950	17	10	specifically	specifically	ADV
easat-9950	17	11	for	for	ADP
easat-9950	17	12	use	use	NOUN
easat-9950	17	13	on	on	ADP
easat-9950	17	14	various	various	ADJ
easat-9950	17	15	mobile	mobile	ADJ
easat-9950	17	16	devices	device	NOUN
easat-9950	17	17	.	.	PUNCT
easat-9950	18	1	their	their	PRON
easat-9950	18	2	pivotal	pivotal	ADJ
easat-9950	18	3	role	role	NOUN
easat-9950	18	4	in	in	ADP
easat-9950	18	5	contemporary	contemporary	ADJ
easat-9950	18	6	technology	technology	NOUN
easat-9950	18	7	underscores	underscore	VERB
easat-9950	18	8	the	the	DET
easat-9950	18	9	necessity	necessity	NOUN
easat-9950	18	10	of	of	ADP
easat-9950	18	11	a	a	DET
easat-9950	18	12	comprehensive	comprehensive	ADJ
easat-9950	18	13	examination	examination	NOUN
easat-9950	18	14	of	of	ADP
easat-9950	18	15	their	their	PRON
easat-9950	18	16	defining	define	VERB
easat-9950	18	17	characteristics	characteristic	NOUN
easat-9950	18	18	,	,	PUNCT
easat-9950	18	19	typologies	typology	NOUN
easat-9950	18	20	,	,	PUNCT
easat-9950	18	21	and	and	CCONJ
easat-9950	18	22	predominant	predominant	ADJ
easat-9950	18	23	development	development	NOUN
easat-9950	18	24	trends	trend	NOUN
easat-9950	18	25	.	.	PUNCT
easat-9950	19	1	such	such	DET
easat-9950	19	2	an	an	DET
easat-9950	19	3	overview	overview	NOUN
easat-9950	19	4	precedes	precede	VERB
easat-9950	19	5	a	a	DET
easat-9950	19	6	focused	focused	ADJ
easat-9950	19	7	analysis	analysis	NOUN
easat-9950	19	8	of	of	ADP
easat-9950	19	9	the	the	DET
easat-9950	19	10	integration	integration	NOUN
easat-9950	19	11	of	of	ADP
easat-9950	19	12	mobile	mobile	ADJ
easat-9950	19	13	applications	application	NOUN
easat-9950	19	14	within	within	ADP
easat-9950	19	15	the	the	DET
easat-9950	19	16	context	context	NOUN
easat-9950	19	17	of	of	ADP
easat-9950	19	18	internet	internet	NOUN
easat-9950	19	19	banking	banking	NOUN
easat-9950	19	20	,	,	PUNCT
easat-9950	19	21	a	a	DET
easat-9950	19	22	significant	significant	ADJ
easat-9950	19	23	service	service	NOUN
easat-9950	19	24	offered	offer	VERB
easat-9950	19	25	by	by	ADP
easat-9950	19	26	many	many	ADJ
easat-9950	19	27	enterprises	enterprise	NOUN
easat-9950	19	28	.	.	PUNCT
easat-9950	20	1	internet	internet	NOUN
easat-9950	20	2	banking	banking	NOUN
easat-9950	20	3	itself	itself	PRON
easat-9950	20	4	experienced	experience	VERB
easat-9950	20	5	its	its	PRON
easat-9950	20	6	inception	inception	NOUN
easat-9950	20	7	in	in	ADP
easat-9950	20	8	1995	1995	NUM
easat-9950	20	9	and	and	CCONJ
easat-9950	20	10	has	have	AUX
easat-9950	20	11	since	since	SCONJ
easat-9950	20	12	undergone	undergo	VERB
easat-9950	20	13	continuous	continuous	ADJ
easat-9950	20	14	enhancement	enhancement	NOUN
easat-9950	20	15	,	,	PUNCT
easat-9950	20	16	marked	mark	VERB
easat-9950	20	17	by	by	ADP
easat-9950	20	18	a	a	DET
easat-9950	20	19	rapid	rapid	ADJ
easat-9950	20	20	increase	increase	NOUN
easat-9950	20	21	in	in	ADP
easat-9950	20	22	adoption	adoption	NOUN
easat-9950	20	23	rates	rate	NOUN
easat-9950	20	24	.	.	PUNCT
easat-9950	21	1	greece	greece	PROPN
easat-9950	21	2	represents	represent	VERB
easat-9950	21	3	a	a	DET
easat-9950	21	4	notable	notable	ADJ
easat-9950	21	5	case	case	NOUN
easat-9950	21	6	of	of	ADP
easat-9950	21	7	contemporary	contemporary	ADJ
easat-9950	21	8	management	management	NOUN
easat-9950	21	9	challenges	challenge	NOUN
easat-9950	21	10	in	in	ADP
easat-9950	21	11	this	this	DET
easat-9950	21	12	domain	domain	NOUN
easat-9950	21	13	.	.	PUNCT
easat-9950	22	1	greece	greece	PROPN
easat-9950	22	2	’s	’s	PART
easat-9950	22	3	evolutionary	evolutionary	ADJ
easat-9950	22	4	path	path	NOUN
easat-9950	22	5	in	in	ADP
easat-9950	22	6	internet	internet	NOUN
easat-9950	22	7	banking	banking	NOUN
easat-9950	22	8	offers	offer	VERB
easat-9950	22	9	strategic	strategic	ADJ
easat-9950	22	10	insights	insight	NOUN
easat-9950	22	11	for	for	ADP
easat-9950	22	12	numerous	numerous	ADJ
easat-9950	22	13	institutions	institution	NOUN
easat-9950	22	14	,	,	PUNCT
easat-9950	22	15	as	as	SCONJ
easat-9950	22	16	banks	bank	NOUN
easat-9950	22	17	continue	continue	VERB
easat-9950	22	18	to	to	PART
easat-9950	22	19	evaluate	evaluate	VERB
easat-9950	22	20	new	new	ADJ
easat-9950	22	21	service	service	NOUN
easat-9950	22	22	models	model	NOUN
easat-9950	22	23	and	and	CCONJ
easat-9950	22	24	operating	operating	NOUN
easat-9950	22	25	environments	environment	NOUN
easat-9950	22	26	,	,	PUNCT
easat-9950	22	27	particularly	particularly	ADV
easat-9950	22	28	given	give	VERB
easat-9950	22	29	the	the	DET
easat-9950	22	30	low	low	ADJ
easat-9950	22	31	number	number	NOUN
easat-9950	22	32	of	of	ADP
easat-9950	22	33	internet	internet	NOUN
easat-9950	22	34	banking	banking	NOUN
easat-9950	22	35	subscribers	subscriber	NOUN
easat-9950	22	36	to	to	ADP
easat-9950	22	37	date	date	NOUN
easat-9950	22	38	.	.	PUNCT
easat-9950	23	1	mobile	mobile	ADJ
easat-9950	23	2	applications	application	NOUN
easat-9950	23	3	tend	tend	VERB
easat-9950	23	4	to	to	PART
easat-9950	23	5	play	play	VERB
easat-9950	23	6	a	a	DET
easat-9950	23	7	critical	critical	ADJ
easat-9950	23	8	role	role	NOUN
easat-9950	23	9	in	in	ADP
easat-9950	23	10	the	the	DET
easat-9950	23	11	effort	effort	NOUN
easat-9950	23	12	to	to	PART
easat-9950	23	13	digitally	digitally	ADV
easat-9950	23	14	transform	transform	VERB
easat-9950	23	15	enterprises	enterprise	NOUN
easat-9950	23	16	and	and	CCONJ
easat-9950	23	17	retailers	retailer	NOUN
easat-9950	23	18	across	across	ADP
easat-9950	23	19	greece	greece	PROPN
easat-9950	23	20	.	.	PUNCT
easat-9950	24	1	the	the	DET
easat-9950	24	2	strategic	strategic	ADJ
easat-9950	24	3	importance	importance	NOUN
easat-9950	24	4	of	of	ADP
easat-9950	24	5	these	these	DET
easat-9950	24	6	technologies	technology	NOUN
easat-9950	24	7	warrants	warrant	NOUN
easat-9950	24	8	an	an	DET
easat-9950	24	9	in	in	ADP
easat-9950	24	10	-	-	PUNCT
easat-9950	24	11	depth	depth	NOUN
easat-9950	24	12	presentation	presentation	NOUN
easat-9950	24	13	of	of	ADP
easat-9950	24	14	their	their	PRON
easat-9950	24	15	fundamental	fundamental	ADJ
easat-9950	24	16	characteristics	characteristic	NOUN
easat-9950	24	17	,	,	PUNCT
easat-9950	24	18	distinct	distinct	ADJ
easat-9950	24	19	categories	category	NOUN
easat-9950	24	20	,	,	PUNCT
easat-9950	24	21	and	and	CCONJ
easat-9950	24	22	emergent	emergent	VERB
easat-9950	24	23	development	development	NOUN
easat-9950	24	24	trends	trend	NOUN
easat-9950	24	25	.	.	PUNCT
easat-9950	25	1	such	such	DET
easat-9950	25	2	a	a	DET
easat-9950	25	3	framework	framework	NOUN
easat-9950	25	4	enables	enable	VERB
easat-9950	25	5	a	a	DET
easat-9950	25	6	subsequent	subsequent	ADJ
easat-9950	25	7	examination	examination	NOUN
easat-9950	25	8	of	of	ADP
easat-9950	25	9	their	their	PRON
easat-9950	25	10	deployment	deployment	NOUN
easat-9950	25	11	within	within	ADP
easat-9950	25	12	the	the	DET
easat-9950	25	13	internet	internet	NOUN
easat-9950	25	14	-	-	PUNCT
easat-9950	25	15	banking	banking	NOUN
easat-9950	25	16	channel	channel	NOUN
easat-9950	25	17	,	,	PUNCT
easat-9950	25	18	a	a	DET
easat-9950	25	19	service	service	NOUN
easat-9950	25	20	domain	domain	NOUN
easat-9950	25	21	that	that	PRON
easat-9950	25	22	constitutes	constitute	VERB
easat-9950	25	23	a	a	DET
easat-9950	25	24	case	case	NOUN
easat-9950	25	25	of	of	ADP
easat-9950	25	26	enormous	enormous	ADJ
easat-9950	25	27	importance	importance	NOUN
easat-9950	25	28	for	for	ADP
easat-9950	25	29	the	the	DET
easat-9950	25	30	ecosystem	ecosystem	NOUN
easat-9950	25	31	of	of	ADP
easat-9950	25	32	greek	greek	NOUN
easat-9950	25	33	enterprises	enterprise	NOUN
easat-9950	25	34	.	.	PUNCT
easat-9950	26	1	https://orcid.org/0000-0002-7436-0506	https://orcid.org/0000-0002-7436-0506	PROPN
easat-9950	26	2	700	700	NUM
easat-9950	26	3	edelweiss	edelweiss	PROPN
easat-9950	26	4	applied	apply	VERB
easat-9950	26	5	science	science	NOUN
easat-9950	26	6	and	and	CCONJ
easat-9950	26	7	technology	technology	NOUN
easat-9950	26	8	issn	issn	PROPN
easat-9950	26	9	:	:	PUNCT
easat-9950	26	10	2576	2576	NUM
easat-9950	26	11	-	-	SYM
easat-9950	26	12	8484	8484	NUM
easat-9950	26	13	vol	vol	NOUN
easat-9950	26	14	.	.	PROPN
easat-9950	27	1	9	9	NUM
easat-9950	27	2	,	,	PUNCT
easat-9950	27	3	no	no	INTJ
easat-9950	27	4	.	.	NOUN
easat-9950	27	5	9	9	NUM
easat-9950	27	6	:	:	PUNCT
easat-9950	27	7	699	699	NUM
easat-9950	27	8	-	-	SYM
easat-9950	27	9	714	714	NUM
easat-9950	27	10	,	,	PUNCT
easat-9950	27	11	2025	2025	NUM
easat-9950	27	12	doi	doi	NOUN
easat-9950	27	13	:	:	PUNCT
easat-9950	27	14	10.55214/2576	10.55214/2576	NUM
easat-9950	27	15	-	-	SYM
easat-9950	27	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	28	1	©	©	PROPN
easat-9950	28	2	2025	2025	NUM
easat-9950	28	3	by	by	ADP
easat-9950	28	4	the	the	DET
easat-9950	28	5	authors	author	NOUN
easat-9950	28	6	;	;	PUNCT
easat-9950	28	7	licensee	licensee	PROPN
easat-9950	28	8	learning	learn	VERB
easat-9950	28	9	gate	gate	NOUN
easat-9950	28	10	figure	figure	NOUN
easat-9950	28	11	1	1	NUM
easat-9950	28	12	.	.	PUNCT
easat-9950	28	13	mobile	mobile	ADJ
easat-9950	28	14	applications	application	NOUN
easat-9950	28	15	and	and	CCONJ
easat-9950	28	16	internet	internet	NOUN
easat-9950	28	17	banking	banking	NOUN
easat-9950	28	18	(	(	PUNCT
easat-9950	28	19	authors	author	NOUN
easat-9950	28	20	’	'	PUNCT
easat-9950	28	21	scheme	scheme	NOUN
easat-9950	28	22	)	)	PUNCT
easat-9950	28	23	.	.	PUNCT
easat-9950	29	1	a	a	DET
easat-9950	29	2	pertinent	pertinent	ADJ
easat-9950	29	3	sector	sector	NOUN
easat-9950	29	4	-	-	PUNCT
easat-9950	29	5	specific	specific	ADJ
easat-9950	29	6	investigation	investigation	NOUN
easat-9950	29	7	of	of	ADP
easat-9950	29	8	internet	internet	NOUN
easat-9950	29	9	banking	banking	NOUN
easat-9950	29	10	in	in	ADP
easat-9950	29	11	greece	greece	PROPN
easat-9950	29	12	explores	explore	VERB
easat-9950	29	13	the	the	DET
easat-9950	29	14	historical	historical	ADJ
easat-9950	29	15	evolution	evolution	NOUN
easat-9950	29	16	of	of	ADP
easat-9950	29	17	the	the	DET
easat-9950	29	18	phenomenon	phenomenon	NOUN
easat-9950	29	19	,	,	PUNCT
easat-9950	29	20	delineates	delineate	VERB
easat-9950	29	21	the	the	DET
easat-9950	29	22	rationale	rationale	NOUN
easat-9950	29	23	behind	behind	ADP
easat-9950	29	24	its	its	PRON
easat-9950	29	25	advanced	advanced	ADJ
easat-9950	29	26	penetration	penetration	NOUN
easat-9950	29	27	,	,	PUNCT
easat-9950	29	28	and	and	CCONJ
easat-9950	29	29	provides	provide	VERB
easat-9950	29	30	a	a	DET
easat-9950	29	31	concise	concise	ADJ
easat-9950	29	32	overview	overview	NOUN
easat-9950	29	33	of	of	ADP
easat-9950	29	34	the	the	DET
easat-9950	29	35	regulatory	regulatory	ADJ
easat-9950	29	36	framework	framework	NOUN
easat-9950	29	37	within	within	ADP
easat-9950	29	38	which	which	PRON
easat-9950	29	39	the	the	DET
easat-9950	29	40	phenomenon	phenomenon	NOUN
easat-9950	29	41	operates	operate	VERB
easat-9950	29	42	[	[	X
easat-9950	29	43	1	1	NUM
easat-9950	29	44	]	]	PUNCT
easat-9950	29	45	.	.	PUNCT
easat-9950	30	1	2	2	X
easat-9950	30	2	.	.	X
easat-9950	30	3	overview	overview	NOUN
easat-9950	30	4	of	of	ADP
easat-9950	30	5	mobile	mobile	ADJ
easat-9950	30	6	applications	application	NOUN
easat-9950	30	7	a	a	DET
easat-9950	30	8	mobile	mobile	ADJ
easat-9950	30	9	application	application	NOUN
easat-9950	30	10	,	,	PUNCT
easat-9950	30	11	also	also	ADV
easat-9950	30	12	known	know	VERB
easat-9950	30	13	as	as	ADP
easat-9950	30	14	a	a	DET
easat-9950	30	15	smartphone	smartphone	NOUN
easat-9950	30	16	app	app	NOUN
easat-9950	30	17	,	,	PUNCT
easat-9950	30	18	is	be	AUX
easat-9950	30	19	a	a	DET
easat-9950	30	20	software	software	NOUN
easat-9950	30	21	program	program	NOUN
easat-9950	30	22	designed	design	VERB
easat-9950	30	23	specifically	specifically	ADV
easat-9950	30	24	to	to	PART
easat-9950	30	25	run	run	VERB
easat-9950	30	26	on	on	ADP
easat-9950	30	27	a	a	DET
easat-9950	30	28	mobile	mobile	ADJ
easat-9950	30	29	device	device	NOUN
easat-9950	30	30	such	such	ADJ
easat-9950	30	31	as	as	ADP
easat-9950	30	32	a	a	DET
easat-9950	30	33	phone	phone	NOUN
easat-9950	30	34	,	,	PUNCT
easat-9950	30	35	tablet	tablet	NOUN
easat-9950	30	36	,	,	PUNCT
easat-9950	30	37	or	or	CCONJ
easat-9950	30	38	watch	watch	VERB
easat-9950	30	39	.	.	PUNCT
easat-9950	31	1	these	these	DET
easat-9950	31	2	applications	application	NOUN
easat-9950	31	3	minimize	minimize	VERB
easat-9950	31	4	user	user	NOUN
easat-9950	31	5	interaction	interaction	NOUN
easat-9950	31	6	,	,	PUNCT
easat-9950	31	7	provide	provide	VERB
easat-9950	31	8	ergonomics	ergonomic	NOUN
easat-9950	31	9	,	,	PUNCT
easat-9950	31	10	and	and	CCONJ
easat-9950	31	11	increase	increase	VERB
easat-9950	31	12	speed	speed	NOUN
easat-9950	31	13	and	and	CCONJ
easat-9950	31	14	usability	usability	NOUN
easat-9950	31	15	.	.	PUNCT
easat-9950	32	1	outside	outside	ADP
easat-9950	32	2	of	of	ADP
easat-9950	32	3	business	business	NOUN
easat-9950	32	4	and	and	CCONJ
easat-9950	32	5	mobile	mobile	ADJ
easat-9950	32	6	financial	financial	ADJ
easat-9950	32	7	services	service	NOUN
easat-9950	32	8	,	,	PUNCT
easat-9950	32	9	mobile	mobile	ADJ
easat-9950	32	10	applications	application	NOUN
easat-9950	32	11	are	be	AUX
easat-9950	32	12	typically	typically	ADV
easat-9950	32	13	organized	organize	VERB
easat-9950	32	14	by	by	ADP
easat-9950	32	15	task	task	NOUN
easat-9950	32	16	or	or	CCONJ
easat-9950	32	17	purpose	purpose	NOUN
easat-9950	32	18	.	.	PUNCT
easat-9950	33	1	for	for	ADP
easat-9950	33	2	example	example	NOUN
easat-9950	33	3	,	,	PUNCT
easat-9950	33	4	weatherrelated	weatherrelate	VERB
easat-9950	33	5	applications	application	NOUN
easat-9950	33	6	provide	provide	VERB
easat-9950	33	7	real	real	ADJ
easat-9950	33	8	-	-	PUNCT
easat-9950	33	9	time	time	NOUN
easat-9950	33	10	weather	weather	NOUN
easat-9950	33	11	monitoring	monitoring	NOUN
easat-9950	33	12	,	,	PUNCT
easat-9950	33	13	traffic	traffic	NOUN
easat-9950	33	14	monitors	monitor	NOUN
easat-9950	33	15	measure	measure	VERB
easat-9950	33	16	road	road	NOUN
easat-9950	33	17	speed	speed	NOUN
easat-9950	33	18	and	and	CCONJ
easat-9950	33	19	congestion	congestion	NOUN
easat-9950	33	20	,	,	PUNCT
easat-9950	33	21	and	and	CCONJ
easat-9950	33	22	news	news	NOUN
easat-9950	33	23	alert	alert	NOUN
easat-9950	33	24	applications	application	NOUN
easat-9950	33	25	source	source	NOUN
easat-9950	33	26	information	information	NOUN
easat-9950	33	27	from	from	ADP
easat-9950	33	28	various	various	ADJ
easat-9950	33	29	websites	website	NOUN
easat-9950	33	30	and	and	CCONJ
easat-9950	33	31	provide	provide	VERB
easat-9950	33	32	condensed	condensed	ADJ
easat-9950	33	33	versions	version	NOUN
easat-9950	33	34	of	of	ADP
easat-9950	33	35	relevant	relevant	ADJ
easat-9950	33	36	news	news	NOUN
easat-9950	33	37	stories	story	NOUN
easat-9950	33	38	or	or	CCONJ
easat-9950	33	39	text	text	NOUN
easat-9950	33	40	alerts	alert	NOUN
easat-9950	33	41	.	.	PUNCT
easat-9950	34	1	in	in	ADP
easat-9950	34	2	the	the	DET
easat-9950	34	3	context	context	NOUN
easat-9950	34	4	of	of	ADP
easat-9950	34	5	the	the	DET
easat-9950	34	6	mobile	mobile	ADJ
easat-9950	34	7	financial	financial	ADJ
easat-9950	34	8	services	service	NOUN
easat-9950	34	9	and	and	CCONJ
easat-9950	34	10	banking	banking	NOUN
easat-9950	34	11	industries	industry	NOUN
easat-9950	34	12	,	,	PUNCT
easat-9950	34	13	the	the	DET
easat-9950	34	14	applications	application	NOUN
easat-9950	34	15	are	be	AUX
easat-9950	34	16	designed	design	VERB
easat-9950	34	17	to	to	PART
easat-9950	34	18	track	track	VERB
easat-9950	34	19	the	the	DET
easat-9950	34	20	status	status	NOUN
easat-9950	34	21	and	and	CCONJ
easat-9950	34	22	use	use	NOUN
easat-9950	34	23	of	of	ADP
easat-9950	34	24	financial	financial	ADJ
easat-9950	34	25	assets	asset	NOUN
easat-9950	34	26	and	and	CCONJ
easat-9950	34	27	privileges	privilege	NOUN
easat-9950	34	28	with	with	ADP
easat-9950	34	29	sufficient	sufficient	ADJ
easat-9950	34	30	security	security	NOUN
easat-9950	34	31	and	and	CCONJ
easat-9950	34	32	ease	ease	NOUN
easat-9950	34	33	of	of	ADP
easat-9950	34	34	use	use	NOUN
easat-9950	34	35	.	.	PUNCT
easat-9950	35	1	although	although	SCONJ
easat-9950	35	2	mobile	mobile	ADJ
easat-9950	35	3	applications	application	NOUN
easat-9950	35	4	are	be	AUX
easat-9950	35	5	widely	widely	ADV
easat-9950	35	6	used	use	VERB
easat-9950	35	7	within	within	ADP
easat-9950	35	8	business	business	NOUN
easat-9950	35	9	environments	environment	NOUN
easat-9950	35	10	,	,	PUNCT
easat-9950	35	11	mobile	mobile	ADJ
easat-9950	35	12	financial	financial	ADJ
easat-9950	35	13	applications	application	NOUN
easat-9950	35	14	remain	remain	VERB
easat-9950	35	15	a	a	DET
easat-9950	35	16	frontier	frontier	NOUN
easat-9950	35	17	to	to	PART
easat-9950	35	18	be	be	AUX
easat-9950	35	19	conquered	conquer	VERB
easat-9950	35	20	by	by	ADP
easat-9950	35	21	enterprises	enterprise	NOUN
easat-9950	35	22	,	,	PUNCT
easat-9950	35	23	with	with	ADP
easat-9950	35	24	only	only	ADV
easat-9950	35	25	a	a	DET
easat-9950	35	26	few	few	ADJ
easat-9950	35	27	mobile	mobile	ADJ
easat-9950	35	28	strategies	strategy	NOUN
easat-9950	35	29	in	in	ADP
easat-9950	35	30	place	place	NOUN
easat-9950	35	31	.	.	PUNCT
easat-9950	36	1	the	the	DET
easat-9950	36	2	design	design	NOUN
easat-9950	36	3	and	and	CCONJ
easat-9950	36	4	development	development	NOUN
easat-9950	36	5	of	of	ADP
easat-9950	36	6	mobile	mobile	ADJ
easat-9950	36	7	applications	application	NOUN
easat-9950	36	8	within	within	ADP
easat-9950	36	9	these	these	DET
easat-9950	36	10	sectors	sector	NOUN
easat-9950	36	11	are	be	AUX
easat-9950	36	12	governed	govern	VERB
easat-9950	36	13	by	by	ADP
easat-9950	36	14	a	a	DET
easat-9950	36	15	variety	variety	NOUN
easat-9950	36	16	of	of	ADP
easat-9950	36	17	factors	factor	NOUN
easat-9950	36	18	,	,	PUNCT
easat-9950	36	19	including	include	VERB
easat-9950	36	20	the	the	DET
easat-9950	36	21	type	type	NOUN
easat-9950	36	22	of	of	ADP
easat-9950	36	23	application	application	NOUN
easat-9950	36	24	,	,	PUNCT
easat-9950	36	25	the	the	DET
easat-9950	36	26	desired	desire	VERB
easat-9950	36	27	technology	technology	NOUN
easat-9950	36	28	,	,	PUNCT
easat-9950	36	29	the	the	DET
easat-9950	36	30	objectives	objective	NOUN
easat-9950	36	31	of	of	ADP
easat-9950	36	32	the	the	DET
easat-9950	36	33	solution	solution	NOUN
easat-9950	36	34	,	,	PUNCT
easat-9950	36	35	the	the	DET
easat-9950	36	36	business	business	NOUN
easat-9950	36	37	model	model	NOUN
easat-9950	36	38	,	,	PUNCT
easat-9950	36	39	and	and	CCONJ
easat-9950	36	40	the	the	DET
easat-9950	36	41	business	business	NOUN
easat-9950	36	42	area	area	NOUN
easat-9950	36	43	.	.	PUNCT
easat-9950	37	1	however	however	ADV
easat-9950	37	2	,	,	PUNCT
easat-9950	37	3	successful	successful	ADJ
easat-9950	37	4	mobile	mobile	ADJ
easat-9950	37	5	activation	activation	NOUN
easat-9950	37	6	and	and	CCONJ
easat-9950	37	7	operation	operation	NOUN
easat-9950	37	8	depend	depend	VERB
easat-9950	37	9	on	on	ADP
easat-9950	37	10	further	further	ADJ
easat-9950	37	11	considerations	consideration	NOUN
easat-9950	37	12	,	,	PUNCT
easat-9950	37	13	implying	imply	VERB
easat-9950	37	14	that	that	SCONJ
easat-9950	37	15	the	the	DET
easat-9950	37	16	integration	integration	NOUN
easat-9950	37	17	and	and	CCONJ
easat-9950	37	18	management	management	NOUN
easat-9950	37	19	of	of	ADP
easat-9950	37	20	such	such	ADJ
easat-9950	37	21	applications	application	NOUN
easat-9950	37	22	require	require	VERB
easat-9950	37	23	strategic	strategic	ADJ
easat-9950	37	24	planning	planning	NOUN
easat-9950	37	25	and	and	CCONJ
easat-9950	37	26	understanding	understanding	NOUN
easat-9950	37	27	.	.	PUNCT
easat-9950	38	1	classifications	classification	NOUN
easat-9950	38	2	of	of	ADP
easat-9950	38	3	mobile	mobile	ADJ
easat-9950	38	4	applications	application	NOUN
easat-9950	38	5	help	help	VERB
easat-9950	38	6	in	in	ADP
easat-9950	38	7	identifying	identify	VERB
easat-9950	38	8	different	different	ADJ
easat-9950	38	9	701	701	NUM
easat-9950	38	10	edelweiss	edelweiss	PROPN
easat-9950	38	11	applied	apply	VERB
easat-9950	38	12	science	science	NOUN
easat-9950	38	13	and	and	CCONJ
easat-9950	38	14	technology	technology	NOUN
easat-9950	38	15	issn	issn	PROPN
easat-9950	38	16	:	:	PUNCT
easat-9950	38	17	2576	2576	NUM
easat-9950	38	18	-	-	SYM
easat-9950	38	19	8484	8484	NUM
easat-9950	38	20	vol	vol	NOUN
easat-9950	38	21	.	.	PROPN
easat-9950	39	1	9	9	NUM
easat-9950	39	2	,	,	PUNCT
easat-9950	39	3	no	no	INTJ
easat-9950	39	4	.	.	NOUN
easat-9950	39	5	9	9	NUM
easat-9950	39	6	:	:	PUNCT
easat-9950	39	7	699	699	NUM
easat-9950	39	8	-	-	SYM
easat-9950	39	9	714	714	NUM
easat-9950	39	10	,	,	PUNCT
easat-9950	39	11	2025	2025	NUM
easat-9950	39	12	doi	doi	NOUN
easat-9950	39	13	:	:	PUNCT
easat-9950	39	14	10.55214/2576	10.55214/2576	NUM
easat-9950	39	15	-	-	SYM
easat-9950	39	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	40	1	©	©	PROPN
easat-9950	40	2	2025	2025	NUM
easat-9950	40	3	by	by	ADP
easat-9950	40	4	the	the	DET
easat-9950	40	5	authors	author	NOUN
easat-9950	40	6	;	;	PUNCT
easat-9950	40	7	licensee	licensee	PROPN
easat-9950	40	8	learning	learn	VERB
easat-9950	40	9	gate	gate	NOUN
easat-9950	40	10	types	type	NOUN
easat-9950	40	11	and	and	CCONJ
easat-9950	40	12	assessing	assess	VERB
easat-9950	40	13	trends	trend	NOUN
easat-9950	40	14	to	to	PART
easat-9950	40	15	aid	aid	VERB
easat-9950	40	16	in	in	ADP
easat-9950	40	17	the	the	DET
easat-9950	40	18	decision	decision	NOUN
easat-9950	40	19	-	-	PUNCT
easat-9950	40	20	making	make	VERB
easat-9950	40	21	process	process	NOUN
easat-9950	40	22	during	during	ADP
easat-9950	40	23	the	the	DET
easat-9950	40	24	planning	planning	NOUN
easat-9950	40	25	phases	phase	NOUN
easat-9950	40	26	of	of	ADP
easat-9950	40	27	software	software	NOUN
easat-9950	40	28	solutions	solution	NOUN
easat-9950	40	29	[	[	X
easat-9950	40	30	1	1	NUM
easat-9950	40	31	]	]	PUNCT
easat-9950	40	32	.	.	PUNCT
easat-9950	41	1	2.1	2.1	NUM
easat-9950	41	2	.	.	PUNCT
easat-9950	41	3	definition	definition	NOUN
easat-9950	41	4	and	and	CCONJ
easat-9950	41	5	importance	importance	NOUN
easat-9950	41	6	porter	porter	NOUN
easat-9950	41	7	and	and	CCONJ
easat-9950	41	8	heppelmann	heppelmann	NOUN
easat-9950	41	9	describe	describe	VERB
easat-9950	41	10	three	three	NUM
easat-9950	41	11	technological	technological	ADJ
easat-9950	41	12	components	component	NOUN
easat-9950	41	13	that	that	PRON
easat-9950	41	14	enable	enable	VERB
easat-9950	41	15	the	the	DET
easat-9950	41	16	connection	connection	NOUN
easat-9950	41	17	of	of	ADP
easat-9950	41	18	physical	physical	ADJ
easat-9950	41	19	objects	object	NOUN
easat-9950	41	20	to	to	ADP
easat-9950	41	21	the	the	DET
easat-9950	41	22	internet	internet	NOUN
easat-9950	41	23	and	and	CCONJ
easat-9950	41	24	to	to	ADP
easat-9950	41	25	one	one	NUM
easat-9950	41	26	another	another	DET
easat-9950	41	27	“	"	PUNCT
easat-9950	41	28	anything	anything	PRON
easat-9950	41	29	-	-	PUNCT
easat-9950	41	30	connecting	connect	VERB
easat-9950	41	31	-	-	PUNCT
easat-9950	41	32	technologies	technology	NOUN
easat-9950	41	33	”	"	PUNCT
easat-9950	41	34	.	.	PUNCT
easat-9950	42	1	these	these	DET
easat-9950	42	2	components	component	NOUN
easat-9950	42	3	—	—	PUNCT
easat-9950	42	4	the	the	DET
easat-9950	42	5	physical	physical	ADJ
easat-9950	42	6	elements	element	NOUN
easat-9950	42	7	(	(	PUNCT
easat-9950	42	8	e.g.	e.g.	ADV
easat-9950	42	9	chips	chip	NOUN
easat-9950	42	10	,	,	PUNCT
easat-9950	42	11	sensors	sensor	NOUN
easat-9950	42	12	,	,	PUNCT
easat-9950	42	13	actuators	actuator	NOUN
easat-9950	42	14	)	)	PUNCT
easat-9950	42	15	,	,	PUNCT
easat-9950	42	16	the	the	DET
easat-9950	42	17	connection	connection	NOUN
easat-9950	42	18	elements	element	NOUN
easat-9950	42	19	(	(	PUNCT
easat-9950	42	20	e.g.	e.g.	ADV
easat-9950	42	21	wi	wi	PROPN
easat-9950	42	22	-	-	PUNCT
easat-9950	42	23	fi	fi	NOUN
easat-9950	42	24	,	,	PUNCT
easat-9950	42	25	ble	ble	ADJ
easat-9950	42	26	,	,	PUNCT
easat-9950	42	27	5	5	NUM
easat-9950	42	28	g	g	NOUN
easat-9950	42	29	)	)	PUNCT
easat-9950	42	30	and	and	CCONJ
easat-9950	42	31	the	the	DET
easat-9950	42	32	brain	brain	NOUN
easat-9950	42	33	elements	element	NOUN
easat-9950	42	34	(	(	PUNCT
easat-9950	42	35	software	software	NOUN
easat-9950	42	36	and	and	CCONJ
easat-9950	42	37	analytical	analytical	ADJ
easat-9950	42	38	tools)—form	tools)—form	NOUN
easat-9950	42	39	the	the	DET
easat-9950	42	40	basis	basis	NOUN
easat-9950	42	41	of	of	ADP
easat-9950	42	42	internet	internet	NOUN
easat-9950	42	43	-	-	PUNCT
easat-9950	42	44	of	of	ADP
easat-9950	42	45	-	-	PUNCT
easat-9950	42	46	things	thing	NOUN
easat-9950	42	47	(	(	PUNCT
easat-9950	42	48	iot	iot	NOUN
easat-9950	42	49	)	)	PUNCT
easat-9950	42	50	infrastructures	infrastructure	NOUN
easat-9950	42	51	and	and	CCONJ
easat-9950	42	52	research	research	NOUN
easat-9950	42	53	,	,	PUNCT
easat-9950	42	54	which	which	PRON
easat-9950	42	55	in	in	ADP
easat-9950	42	56	turn	turn	NOUN
easat-9950	42	57	facilitates	facilitate	VERB
easat-9950	42	58	the	the	DET
easat-9950	42	59	development	development	NOUN
easat-9950	42	60	of	of	ADP
easat-9950	42	61	mobile	mobile	ADJ
easat-9950	42	62	applications	application	NOUN
easat-9950	42	63	linking	link	VERB
easat-9950	42	64	banking	banking	NOUN
easat-9950	42	65	accounts	account	NOUN
easat-9950	42	66	to	to	ADP
easat-9950	42	67	smartphones	smartphone	NOUN
easat-9950	42	68	.	.	PUNCT
easat-9950	43	1	notably	notably	ADV
easat-9950	43	2	,	,	PUNCT
easat-9950	43	3	as	as	ADP
easat-9950	43	4	of	of	ADP
easat-9950	43	5	early	early	ADJ
easat-9950	43	6	2015	2015	NUM
easat-9950	43	7	,	,	PUNCT
easat-9950	43	8	approximately	approximately	ADV
easat-9950	43	9	half	half	NOUN
easat-9950	43	10	of	of	ADP
easat-9950	43	11	all	all	DET
easat-9950	43	12	online	online	ADJ
easat-9950	43	13	banking	banking	NOUN
easat-9950	43	14	customers	customer	NOUN
easat-9950	43	15	worldwide	worldwide	ADV
easat-9950	43	16	used	use	VERB
easat-9950	43	17	mobile	mobile	ADJ
easat-9950	43	18	applications	application	NOUN
easat-9950	43	19	to	to	PART
easat-9950	43	20	access	access	VERB
easat-9950	43	21	their	their	PRON
easat-9950	43	22	accounts	account	NOUN
easat-9950	43	23	[	[	X
easat-9950	43	24	1	1	NUM
easat-9950	43	25	]	]	PUNCT
easat-9950	43	26	.	.	PUNCT
easat-9950	44	1	2.2	2.2	NUM
easat-9950	44	2	.	.	PUNCT
easat-9950	44	3	types	type	NOUN
easat-9950	44	4	of	of	ADP
easat-9950	44	5	mobile	mobile	ADJ
easat-9950	44	6	applications	application	NOUN
easat-9950	44	7	mobile	mobile	ADJ
easat-9950	44	8	applications	application	NOUN
easat-9950	44	9	extend	extend	VERB
easat-9950	44	10	the	the	DET
easat-9950	44	11	capabilities	capability	NOUN
easat-9950	44	12	of	of	ADP
easat-9950	44	13	mobile	mobile	ADJ
easat-9950	44	14	devices	device	NOUN
easat-9950	44	15	by	by	ADP
easat-9950	44	16	providing	provide	VERB
easat-9950	44	17	additional	additional	ADJ
easat-9950	44	18	uniform	uniform	NOUN
easat-9950	44	19	,	,	PUNCT
easat-9950	44	20	integrated	integrate	VERB
easat-9950	44	21	services	service	NOUN
easat-9950	44	22	[	[	X
easat-9950	44	23	1	1	NUM
easat-9950	44	24	]	]	PUNCT
easat-9950	44	25	.	.	PUNCT
easat-9950	45	1	the	the	DET
easat-9950	45	2	constraints	constraint	NOUN
easat-9950	45	3	of	of	ADP
easat-9950	45	4	limited	limited	ADJ
easat-9950	45	5	input	input	NOUN
easat-9950	45	6	devices	device	NOUN
easat-9950	45	7	in	in	ADP
easat-9950	45	8	handheld	handheld	ADJ
easat-9950	45	9	devices	device	NOUN
easat-9950	45	10	have	have	AUX
easat-9950	45	11	driven	drive	VERB
easat-9950	45	12	ongoing	ongoing	ADJ
easat-9950	45	13	innovation	innovation	NOUN
easat-9950	45	14	and	and	CCONJ
easat-9950	45	15	adaptation	adaptation	NOUN
easat-9950	45	16	of	of	ADP
easat-9950	45	17	input	input	NOUN
easat-9950	45	18	technologies	technology	NOUN
easat-9950	45	19	,	,	PUNCT
easat-9950	45	20	user	user	NOUN
easat-9950	45	21	interfaces	interface	NOUN
easat-9950	45	22	,	,	PUNCT
easat-9950	45	23	and	and	CCONJ
easat-9950	45	24	interaction	interaction	NOUN
easat-9950	45	25	design	design	NOUN
easat-9950	45	26	.	.	PUNCT
easat-9950	46	1	mobile	mobile	ADJ
easat-9950	46	2	applications	application	NOUN
easat-9950	46	3	also	also	ADV
easat-9950	46	4	support	support	VERB
easat-9950	46	5	connectivity	connectivity	NOUN
easat-9950	46	6	to	to	ADP
easat-9950	46	7	remote	remote	ADJ
easat-9950	46	8	services	service	NOUN
easat-9950	46	9	,	,	PUNCT
easat-9950	46	10	enabling	enable	VERB
easat-9950	46	11	the	the	DET
easat-9950	46	12	transmission	transmission	NOUN
easat-9950	46	13	of	of	ADP
easat-9950	46	14	location	location	NOUN
easat-9950	46	15	,	,	PUNCT
easat-9950	46	16	identity	identity	NOUN
easat-9950	46	17	information	information	NOUN
easat-9950	46	18	,	,	PUNCT
easat-9950	46	19	and	and	CCONJ
easat-9950	46	20	various	various	ADJ
easat-9950	46	21	forms	form	NOUN
easat-9950	46	22	of	of	ADP
easat-9950	46	23	contextual	contextual	ADJ
easat-9950	46	24	information	information	NOUN
easat-9950	46	25	.	.	PUNCT
easat-9950	47	1	mobile	mobile	ADJ
easat-9950	47	2	application	application	NOUN
easat-9950	47	3	developers	developer	NOUN
easat-9950	47	4	frequently	frequently	ADV
easat-9950	47	5	confront	confront	VERB
easat-9950	47	6	a	a	DET
easat-9950	47	7	wide	wide	ADJ
easat-9950	47	8	range	range	NOUN
easat-9950	47	9	of	of	ADP
easat-9950	47	10	device	device	NOUN
easat-9950	47	11	limitations	limitation	NOUN
easat-9950	47	12	when	when	SCONJ
easat-9950	47	13	designing	design	VERB
easat-9950	47	14	their	their	PRON
easat-9950	47	15	products	product	NOUN
easat-9950	47	16	.	.	PUNCT
easat-9950	48	1	wireless	wireless	ADJ
easat-9950	48	2	communication	communication	NOUN
easat-9950	48	3	applications	application	NOUN
easat-9950	48	4	operate	operate	VERB
easat-9950	48	5	on	on	ADP
easat-9950	48	6	devices	device	NOUN
easat-9950	48	7	with	with	ADP
easat-9950	48	8	limited	limited	ADJ
easat-9950	48	9	bandwidth	bandwidth	NOUN
easat-9950	48	10	.	.	PUNCT
easat-9950	49	1	a	a	DET
easat-9950	49	2	variety	variety	NOUN
easat-9950	49	3	of	of	ADP
easat-9950	49	4	different	different	ADJ
easat-9950	49	5	input	input	NOUN
easat-9950	49	6	and	and	CCONJ
easat-9950	49	7	output	output	NOUN
easat-9950	49	8	devices	device	NOUN
easat-9950	49	9	are	be	AUX
easat-9950	49	10	used	use	VERB
easat-9950	49	11	by	by	ADP
easat-9950	49	12	digital	digital	ADJ
easat-9950	49	13	wireless	wireless	ADJ
easat-9950	49	14	personal	personal	ADJ
easat-9950	49	15	communication	communication	NOUN
easat-9950	49	16	systems	system	NOUN
easat-9950	49	17	[	[	X
easat-9950	49	18	2	2	NUM
easat-9950	49	19	]	]	PUNCT
easat-9950	49	20	.	.	PUNCT
easat-9950	50	1	emerging	emerge	VERB
easat-9950	50	2	multicore	multicore	ADJ
easat-9950	50	3	architectures	architecture	NOUN
easat-9950	50	4	imposed	impose	VERB
easat-9950	50	5	a	a	DET
easat-9950	50	6	variety	variety	NOUN
easat-9950	50	7	of	of	ADP
easat-9950	50	8	constraints	constraint	NOUN
easat-9950	50	9	and	and	CCONJ
easat-9950	50	10	challenges	challenge	NOUN
easat-9950	50	11	on	on	ADP
easat-9950	50	12	mobile	mobile	ADJ
easat-9950	50	13	application	application	NOUN
easat-9950	50	14	development	development	NOUN
easat-9950	50	15	and	and	CCONJ
easat-9950	50	16	deployment	deployment	NOUN
easat-9950	50	17	.	.	PUNCT
easat-9950	51	1	pervasive	pervasive	ADJ
easat-9950	51	2	and	and	CCONJ
easat-9950	51	3	mobile	mobile	ADJ
easat-9950	51	4	computing	computing	NOUN
easat-9950	51	5	systems	system	NOUN
easat-9950	51	6	are	be	AUX
easat-9950	51	7	commonly	commonly	ADV
easat-9950	51	8	deployed	deploy	VERB
easat-9950	51	9	on	on	ADP
easat-9950	51	10	heterogeneous	heterogeneous	ADJ
easat-9950	51	11	,	,	PUNCT
easat-9950	51	12	resourceconstrained	resourceconstraine	VERB
easat-9950	51	13	mobile	mobile	NOUN
easat-9950	51	14	platforms	platform	NOUN
easat-9950	51	15	running	run	VERB
easat-9950	51	16	multiple	multiple	ADJ
easat-9950	51	17	concurrent	concurrent	ADJ
easat-9950	51	18	resource	resource	NOUN
easat-9950	51	19	-	-	PUNCT
easat-9950	51	20	dependent	dependent	ADJ
easat-9950	51	21	mobile	mobile	ADJ
easat-9950	51	22	applications	application	NOUN
easat-9950	51	23	(	(	PUNCT
easat-9950	51	24	for	for	ADP
easat-9950	51	25	example	example	NOUN
easat-9950	51	26	,	,	PUNCT
easat-9950	51	27	text	text	NOUN
easat-9950	51	28	messaging	messaging	NOUN
easat-9950	51	29	,	,	PUNCT
easat-9950	51	30	search	search	NOUN
easat-9950	51	31	,	,	PUNCT
easat-9950	51	32	and	and	CCONJ
easat-9950	51	33	web	web	NOUN
easat-9950	51	34	browsing	browsing	NOUN
easat-9950	51	35	)	)	PUNCT
easat-9950	51	36	.	.	PUNCT
easat-9950	52	1	a	a	DET
easat-9950	52	2	broad	broad	ADJ
easat-9950	52	3	range	range	NOUN
easat-9950	52	4	of	of	ADP
easat-9950	52	5	important	important	ADJ
easat-9950	52	6	mobile	mobile	ADJ
easat-9950	52	7	applications	application	NOUN
easat-9950	52	8	is	be	AUX
easat-9950	52	9	now	now	ADV
easat-9950	52	10	available	available	ADJ
easat-9950	52	11	,	,	PUNCT
easat-9950	52	12	including	include	VERB
easat-9950	52	13	mobile	mobile	NOUN
easat-9950	52	14	mapping	mapping	NOUN
easat-9950	52	15	and	and	CCONJ
easat-9950	52	16	assistance	assistance	NOUN
easat-9950	52	17	,	,	PUNCT
easat-9950	52	18	mobile	mobile	ADJ
easat-9950	52	19	commerce	commerce	NOUN
easat-9950	52	20	and	and	CCONJ
easat-9950	52	21	business	business	NOUN
easat-9950	52	22	,	,	PUNCT
easat-9950	52	23	locationand	locationand	NOUN
easat-9950	52	24	context	context	NOUN
easat-9950	52	25	-	-	PUNCT
easat-9950	52	26	enhanced	enhance	VERB
easat-9950	52	27	services	service	NOUN
easat-9950	52	28	,	,	PUNCT
easat-9950	52	29	location	location	NOUN
easat-9950	52	30	-	-	PUNCT
easat-9950	52	31	based	base	VERB
easat-9950	52	32	games	game	NOUN
easat-9950	52	33	,	,	PUNCT
easat-9950	52	34	mobile	mobile	ADJ
easat-9950	52	35	sensor	sensor	NOUN
easat-9950	52	36	data	data	NOUN
easat-9950	52	37	collection	collection	NOUN
easat-9950	52	38	,	,	PUNCT
easat-9950	52	39	mobile	mobile	ADJ
easat-9950	52	40	social	social	ADJ
easat-9950	52	41	networking	networking	NOUN
easat-9950	52	42	,	,	PUNCT
easat-9950	52	43	and	and	CCONJ
easat-9950	52	44	many	many	ADJ
easat-9950	52	45	others	other	NOUN
easat-9950	52	46	.	.	PUNCT
easat-9950	53	1	applications	application	NOUN
easat-9950	53	2	beyond	beyond	ADP
easat-9950	53	3	context	context	NOUN
easat-9950	53	4	-	-	PUNCT
easat-9950	53	5	aware	aware	ADJ
easat-9950	53	6	web	web	NOUN
easat-9950	53	7	search	search	NOUN
easat-9950	53	8	,	,	PUNCT
easat-9950	53	9	recommendation	recommendation	NOUN
easat-9950	53	10	,	,	PUNCT
easat-9950	53	11	and	and	CCONJ
easat-9950	53	12	advertising	advertising	NOUN
easat-9950	53	13	systems	system	NOUN
easat-9950	53	14	include	include	VERB
easat-9950	53	15	mobile	mobile	ADJ
easat-9950	53	16	social	social	ADJ
easat-9950	53	17	media	medium	NOUN
easat-9950	53	18	and	and	CCONJ
easat-9950	53	19	mobile	mobile	ADJ
easat-9950	53	20	social	social	ADJ
easat-9950	53	21	networking	networking	NOUN
easat-9950	53	22	systems	system	NOUN
easat-9950	53	23	used	use	VERB
easat-9950	53	24	to	to	PART
easat-9950	53	25	coordinate	coordinate	VERB
easat-9950	53	26	and	and	CCONJ
easat-9950	53	27	support	support	VERB
easat-9950	53	28	groups	group	NOUN
easat-9950	53	29	of	of	ADP
easat-9950	53	30	people	people	NOUN
easat-9950	53	31	.	.	PUNCT
easat-9950	54	1	companion	companion	NOUN
easat-9950	54	2	apps	app	NOUN
easat-9950	54	3	extend	extend	VERB
easat-9950	54	4	the	the	DET
easat-9950	54	5	functionality	functionality	NOUN
easat-9950	54	6	of	of	ADP
easat-9950	54	7	physical	physical	ADJ
easat-9950	54	8	products	product	NOUN
easat-9950	54	9	(	(	PUNCT
easat-9950	54	10	for	for	ADP
easat-9950	54	11	example	example	NOUN
easat-9950	54	12	,	,	PUNCT
easat-9950	54	13	smart	smart	ADJ
easat-9950	54	14	home	home	NOUN
easat-9950	54	15	,	,	PUNCT
easat-9950	54	16	smart	smart	ADJ
easat-9950	54	17	appliances	appliance	NOUN
easat-9950	54	18	,	,	PUNCT
easat-9950	54	19	and	and	CCONJ
easat-9950	54	20	health	health	NOUN
easat-9950	54	21	and	and	CCONJ
easat-9950	54	22	fitness	fitness	NOUN
easat-9950	54	23	systems	system	NOUN
easat-9950	54	24	)	)	PUNCT
easat-9950	54	25	.	.	PUNCT
easat-9950	55	1	mobile	mobile	ADJ
easat-9950	55	2	visual	visual	ADJ
easat-9950	55	3	search	search	NOUN
easat-9950	55	4	leverages	leverage	VERB
easat-9950	55	5	the	the	DET
easat-9950	55	6	cameras	camera	NOUN
easat-9950	55	7	and	and	CCONJ
easat-9950	55	8	connectivity	connectivity	NOUN
easat-9950	55	9	of	of	ADP
easat-9950	55	10	modern	modern	ADJ
easat-9950	55	11	smartphones	smartphone	NOUN
easat-9950	55	12	in	in	ADP
easat-9950	55	13	order	order	NOUN
easat-9950	55	14	to	to	PART
easat-9950	55	15	enable	enable	VERB
easat-9950	55	16	visual	visual	ADJ
easat-9950	55	17	searches	search	NOUN
easat-9950	55	18	for	for	ADP
easat-9950	55	19	objects	object	NOUN
easat-9950	55	20	and	and	CCONJ
easat-9950	55	21	coordinates	coordinate	NOUN
easat-9950	55	22	.	.	PUNCT
easat-9950	56	1	gamification	gamification	NOUN
easat-9950	56	2	services	service	NOUN
easat-9950	56	3	attempt	attempt	VERB
easat-9950	56	4	to	to	PART
easat-9950	56	5	drive	drive	VERB
easat-9950	56	6	user	user	NOUN
easat-9950	56	7	behaviour	behaviour	NOUN
easat-9950	56	8	and	and	CCONJ
easat-9950	56	9	incentivization	incentivization	NOUN
easat-9950	56	10	through	through	ADP
easat-9950	56	11	the	the	DET
easat-9950	56	12	introduction	introduction	NOUN
easat-9950	56	13	of	of	ADP
easat-9950	56	14	game	game	NOUN
easat-9950	56	15	-	-	PUNCT
easat-9950	56	16	like	like	ADJ
easat-9950	56	17	mechanics	mechanic	NOUN
easat-9950	56	18	(	(	PUNCT
easat-9950	56	19	for	for	ADP
easat-9950	56	20	example	example	NOUN
easat-9950	56	21	,	,	PUNCT
easat-9950	56	22	foursquare	foursquare	NOUN
easat-9950	56	23	)	)	PUNCT
easat-9950	56	24	.	.	PUNCT
easat-9950	57	1	developers	developer	NOUN
easat-9950	57	2	also	also	ADV
easat-9950	57	3	provide	provide	VERB
easat-9950	57	4	online	online	ADJ
easat-9950	57	5	services	service	NOUN
easat-9950	57	6	and	and	CCONJ
easat-9950	57	7	toolkits	toolkit	NOUN
easat-9950	57	8	that	that	PRON
easat-9950	57	9	enhance	enhance	VERB
easat-9950	57	10	mobile	mobile	ADJ
easat-9950	57	11	applications	application	NOUN
easat-9950	57	12	with	with	ADP
easat-9950	57	13	functionality	functionality	NOUN
easat-9950	57	14	such	such	ADJ
easat-9950	57	15	as	as	ADP
easat-9950	57	16	analytics	analytic	NOUN
easat-9950	57	17	,	,	PUNCT
easat-9950	57	18	monetization	monetization	NOUN
easat-9950	57	19	,	,	PUNCT
easat-9950	57	20	databases	database	NOUN
easat-9950	57	21	,	,	PUNCT
easat-9950	57	22	and	and	CCONJ
easat-9950	57	23	social	social	ADJ
easat-9950	57	24	integration	integration	NOUN
easat-9950	57	25	.	.	PUNCT
easat-9950	58	1	2.3	2.3	NUM
easat-9950	58	2	.	.	PUNCT
easat-9950	58	3	trends	trend	NOUN
easat-9950	58	4	in	in	ADP
easat-9950	58	5	mobile	mobile	ADJ
easat-9950	58	6	application	application	NOUN
easat-9950	58	7	development	development	NOUN
easat-9950	58	8	mobile	mobile	PROPN
easat-9950	58	9	application	application	NOUN
easat-9950	58	10	development	development	NOUN
easat-9950	58	11	trends	trend	NOUN
easat-9950	58	12	are	be	AUX
easat-9950	58	13	guiding	guide	VERB
easat-9950	58	14	greek	greek	ADJ
easat-9950	58	15	enterprises	enterprise	NOUN
easat-9950	58	16	into	into	ADP
easat-9950	58	17	the	the	DET
easat-9950	58	18	third	third	ADJ
easat-9950	58	19	wave	wave	NOUN
easat-9950	58	20	of	of	ADP
easat-9950	58	21	their	their	PRON
easat-9950	58	22	digital	digital	ADJ
easat-9950	58	23	transformation	transformation	NOUN
easat-9950	58	24	.	.	PUNCT
easat-9950	59	1	the	the	DET
easat-9950	59	2	number	number	NOUN
easat-9950	59	3	of	of	ADP
easat-9950	59	4	personal	personal	ADJ
easat-9950	59	5	computers	computer	NOUN
easat-9950	59	6	will	will	AUX
easat-9950	59	7	reach	reach	VERB
easat-9950	59	8	saturation	saturation	NOUN
easat-9950	59	9	,	,	PUNCT
easat-9950	59	10	and	and	CCONJ
easat-9950	59	11	mobile	mobile	ADJ
easat-9950	59	12	spending	spending	NOUN
easat-9950	59	13	via	via	ADP
easat-9950	59	14	smartphones	smartphone	NOUN
easat-9950	59	15	is	be	AUX
easat-9950	59	16	forecasted	forecast	VERB
easat-9950	59	17	to	to	PART
easat-9950	59	18	increase	increase	VERB
easat-9950	59	19	strongly	strongly	ADV
easat-9950	59	20	.	.	PUNCT
easat-9950	60	1	the	the	DET
easat-9950	60	2	countries	country	NOUN
easat-9950	60	3	in	in	ADP
easat-9950	60	4	which	which	PRON
easat-9950	60	5	the	the	DET
easat-9950	60	6	highest	high	ADJ
easat-9950	60	7	mobile	mobile	ADJ
easat-9950	60	8	share	share	NOUN
easat-9950	60	9	of	of	ADP
easat-9950	60	10	digital	digital	ADJ
easat-9950	60	11	media	medium	NOUN
easat-9950	60	12	spending	spending	NOUN
easat-9950	60	13	are	be	AUX
easat-9950	60	14	expected	expect	VERB
easat-9950	60	15	are	be	AUX
easat-9950	60	16	greater	great	ADJ
easat-9950	60	17	china	china	PROPN
easat-9950	60	18	,	,	PUNCT
easat-9950	60	19	singapore	singapore	PROPN
easat-9950	60	20	,	,	PUNCT
easat-9950	60	21	norway	norway	PROPN
easat-9950	60	22	,	,	PUNCT
easat-9950	60	23	ireland	ireland	PROPN
easat-9950	60	24	and	and	CCONJ
easat-9950	60	25	the	the	DET
easat-9950	60	26	uk	uk	PROPN
easat-9950	60	27	,	,	PUNCT
easat-9950	60	28	followed	follow	VERB
easat-9950	60	29	by	by	ADP
easat-9950	60	30	greece	greece	PROPN
easat-9950	60	31	,	,	PUNCT
easat-9950	60	32	australia	australia	PROPN
easat-9950	60	33	,	,	PUNCT
easat-9950	60	34	south	south	PROPN
easat-9950	60	35	korea	korea	PROPN
easat-9950	60	36	and	and	CCONJ
easat-9950	60	37	the	the	DET
easat-9950	60	38	united	united	PROPN
easat-9950	60	39	states	states	PROPN
easat-9950	60	40	.	.	PUNCT
easat-9950	61	1	greece	greece	PROPN
easat-9950	61	2	is	be	AUX
easat-9950	61	3	the	the	DET
easat-9950	61	4	country	country	NOUN
easat-9950	61	5	with	with	ADP
easat-9950	61	6	the	the	DET
easat-9950	61	7	highest	high	ADJ
easat-9950	61	8	facebook	facebook	NOUN
easat-9950	61	9	penetration	penetration	NOUN
easat-9950	61	10	of	of	ADP
easat-9950	61	11	population	population	NOUN
easat-9950	61	12	(	(	PUNCT
easat-9950	61	13	77.5	77.5	NUM
easat-9950	61	14	percent	percent	NOUN
easat-9950	61	15	)	)	PUNCT
easat-9950	61	16	.	.	PUNCT
easat-9950	62	1	despite	despite	SCONJ
easat-9950	62	2	of	of	ADP
easat-9950	62	3	this	this	PRON
easat-9950	62	4	,	,	PUNCT
easat-9950	62	5	about	about	ADV
easat-9950	62	6	95	95	NUM
easat-9950	62	7	percent	percent	NOUN
easat-9950	62	8	of	of	ADP
easat-9950	62	9	the	the	DET
easat-9950	62	10	crowd	crowd	NOUN
easat-9950	62	11	-	-	PUNCT
easat-9950	62	12	sourcing	source	VERB
easat-9950	62	13	activities	activity	NOUN
easat-9950	62	14	remain	remain	VERB
easat-9950	62	15	untapped	untapped	ADJ
easat-9950	62	16	.	.	PUNCT
easat-9950	63	1	in	in	ADP
easat-9950	63	2	addition	addition	NOUN
easat-9950	63	3	,	,	PUNCT
easat-9950	63	4	a	a	DET
easat-9950	63	5	significant	significant	ADJ
easat-9950	63	6	number	number	NOUN
easat-9950	63	7	of	of	ADP
easat-9950	63	8	people	people	NOUN
easat-9950	63	9	realize	realize	VERB
easat-9950	63	10	that	that	SCONJ
easat-9950	63	11	their	their	PRON
easat-9950	63	12	devices	device	NOUN
easat-9950	63	13	can	can	AUX
easat-9950	63	14	do	do	VERB
easat-9950	63	15	a	a	DET
easat-9950	63	16	lot	lot	NOUN
easat-9950	63	17	more	more	ADJ
easat-9950	63	18	than	than	SCONJ
easat-9950	63	19	make	make	VERB
easat-9950	63	20	phone	phone	NOUN
easat-9950	63	21	calls	call	NOUN
easat-9950	63	22	and	and	CCONJ
easat-9950	63	23	send	send	VERB
easat-9950	63	24	text	text	NOUN
easat-9950	63	25	messages	message	NOUN
easat-9950	63	26	.	.	PUNCT
easat-9950	64	1	with	with	ADP
easat-9950	64	2	more	more	ADJ
easat-9950	64	3	users	user	NOUN
easat-9950	64	4	subscribing	subscribe	VERB
easat-9950	64	5	to	to	ADP
easat-9950	64	6	data	data	NOUN
easat-9950	64	7	plans	plan	NOUN
easat-9950	64	8	,	,	PUNCT
easat-9950	64	9	downloading	download	VERB
easat-9950	64	10	applications	application	NOUN
easat-9950	64	11	and	and	CCONJ
easat-9950	64	12	becoming	become	VERB
easat-9950	64	13	more	more	ADV
easat-9950	64	14	digitally	digitally	ADV
easat-9950	64	15	literate	literate	ADJ
easat-9950	64	16	,	,	PUNCT
easat-9950	64	17	it	it	PRON
easat-9950	64	18	allows	allow	VERB
easat-9950	64	19	for	for	ADP
easat-9950	64	20	expanding	expand	VERB
easat-9950	64	21	the	the	DET
easat-9950	64	22	network	network	NOUN
easat-9950	64	23	of	of	ADP
easat-9950	64	24	possibilities	possibility	NOUN
easat-9950	64	25	offered	offer	VERB
easat-9950	64	26	to	to	ADP
easat-9950	64	27	the	the	DET
easat-9950	64	28	smartphone	smartphone	NOUN
easat-9950	64	29	crowd	crowd	NOUN
easat-9950	64	30	.	.	PUNCT
easat-9950	65	1	702	702	NUM
easat-9950	65	2	edelweiss	edelweiss	PROPN
easat-9950	65	3	applied	apply	VERB
easat-9950	65	4	science	science	NOUN
easat-9950	65	5	and	and	CCONJ
easat-9950	65	6	technology	technology	NOUN
easat-9950	65	7	issn	issn	PROPN
easat-9950	65	8	:	:	PUNCT
easat-9950	65	9	2576	2576	NUM
easat-9950	65	10	-	-	SYM
easat-9950	65	11	8484	8484	NUM
easat-9950	65	12	vol	vol	NOUN
easat-9950	65	13	.	.	PROPN
easat-9950	66	1	9	9	NUM
easat-9950	66	2	,	,	PUNCT
easat-9950	66	3	no	no	INTJ
easat-9950	66	4	.	.	NOUN
easat-9950	66	5	9	9	NUM
easat-9950	66	6	:	:	PUNCT
easat-9950	66	7	699	699	NUM
easat-9950	66	8	-	-	SYM
easat-9950	66	9	714	714	NUM
easat-9950	66	10	,	,	PUNCT
easat-9950	66	11	2025	2025	NUM
easat-9950	66	12	doi	doi	NOUN
easat-9950	66	13	:	:	PUNCT
easat-9950	66	14	10.55214/2576	10.55214/2576	NUM
easat-9950	66	15	-	-	SYM
easat-9950	66	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	67	1	©	©	PROPN
easat-9950	67	2	2025	2025	NUM
easat-9950	67	3	by	by	ADP
easat-9950	67	4	the	the	DET
easat-9950	67	5	authors	author	NOUN
easat-9950	67	6	;	;	PUNCT
easat-9950	67	7	licensee	licensee	PROPN
easat-9950	67	8	learning	learning	NOUN
easat-9950	67	9	gate	gate	NOUN
easat-9950	67	10	3	3	PROPN
easat-9950	67	11	.	.	PUNCT
easat-9950	67	12	internet	internet	NOUN
easat-9950	67	13	banking	banking	NOUN
easat-9950	67	14	in	in	ADP
easat-9950	67	15	greece	greece	PROPN
easat-9950	67	16	internet	internet	PROPN
easat-9950	67	17	banking	banking	NOUN
easat-9950	67	18	(	(	PUNCT
easat-9950	67	19	ib	ib	X
easat-9950	67	20	)	)	PUNCT
easat-9950	67	21	is	be	AUX
easat-9950	67	22	a	a	DET
easat-9950	67	23	new	new	ADJ
easat-9950	67	24	area	area	NOUN
easat-9950	67	25	of	of	ADP
easat-9950	67	26	the	the	DET
easat-9950	67	27	economy	economy	NOUN
easat-9950	67	28	and	and	CCONJ
easat-9950	67	29	finance	finance	NOUN
easat-9950	67	30	that	that	PRON
easat-9950	67	31	integrates	integrate	VERB
easat-9950	67	32	several	several	ADJ
easat-9950	67	33	disciplines	discipline	NOUN
easat-9950	67	34	such	such	ADJ
easat-9950	67	35	as	as	ADP
easat-9950	67	36	technology	technology	NOUN
easat-9950	67	37	economics	economic	NOUN
easat-9950	67	38	,	,	PUNCT
easat-9950	67	39	finance	finance	NOUN
easat-9950	67	40	,	,	PUNCT
easat-9950	67	41	and	and	CCONJ
easat-9950	67	42	security	security	NOUN
easat-9950	67	43	.	.	PUNCT
easat-9950	68	1	since	since	SCONJ
easat-9950	68	2	the	the	DET
easat-9950	68	3	internet	internet	NOUN
easat-9950	68	4	is	be	AUX
easat-9950	68	5	a	a	DET
easat-9950	68	6	relatively	relatively	ADV
easat-9950	68	7	low	low	ADJ
easat-9950	68	8	cost	cost	NOUN
easat-9950	68	9	and	and	CCONJ
easat-9950	68	10	pervasive	pervasive	ADJ
easat-9950	68	11	infrastructure	infrastructure	NOUN
easat-9950	68	12	,	,	PUNCT
easat-9950	68	13	ib	ib	PROPN
easat-9950	68	14	can	can	AUX
easat-9950	68	15	be	be	AUX
easat-9950	68	16	effectively	effectively	ADV
easat-9950	68	17	used	use	VERB
easat-9950	68	18	for	for	ADP
easat-9950	68	19	different	different	ADJ
easat-9950	68	20	financial	financial	ADJ
easat-9950	68	21	applications	application	NOUN
easat-9950	68	22	.	.	PUNCT
easat-9950	69	1	ib	ib	NOUN
easat-9950	69	2	delivers	deliver	VERB
easat-9950	69	3	many	many	ADJ
easat-9950	69	4	opportunities	opportunity	NOUN
easat-9950	69	5	for	for	ADP
easat-9950	69	6	business	business	NOUN
easat-9950	69	7	and	and	CCONJ
easat-9950	69	8	commerce	commerce	NOUN
easat-9950	69	9	that	that	PRON
easat-9950	69	10	have	have	AUX
easat-9950	69	11	been	be	AUX
easat-9950	69	12	already	already	ADV
easat-9950	69	13	realised	realise	VERB
easat-9950	69	14	by	by	ADP
easat-9950	69	15	many	many	ADJ
easat-9950	69	16	companies	company	NOUN
easat-9950	69	17	that	that	PRON
easat-9950	69	18	offer	offer	VERB
easat-9950	69	19	services	service	NOUN
easat-9950	69	20	to	to	ADP
easat-9950	69	21	their	their	PRON
easat-9950	69	22	customers	customer	NOUN
easat-9950	69	23	.	.	PUNCT
easat-9950	70	1	internet	internet	NOUN
easat-9950	70	2	banking	banking	NOUN
easat-9950	70	3	integrates	integrate	VERB
easat-9950	70	4	the	the	DET
easat-9950	70	5	entire	entire	ADJ
easat-9950	70	6	banking	banking	NOUN
easat-9950	70	7	system	system	NOUN
easat-9950	70	8	of	of	ADP
easat-9950	70	9	a	a	DET
easat-9950	70	10	country	country	NOUN
easat-9950	70	11	and	and	CCONJ
easat-9950	70	12	increases	increase	VERB
easat-9950	70	13	efficiency	efficiency	NOUN
easat-9950	70	14	by	by	ADP
easat-9950	70	15	enabling	enable	VERB
easat-9950	70	16	customers	customer	NOUN
easat-9950	70	17	to	to	PART
easat-9950	70	18	perform	perform	VERB
easat-9950	70	19	various	various	ADJ
easat-9950	70	20	whole	whole	ADJ
easat-9950	70	21	banking	banking	NOUN
easat-9950	70	22	activities	activity	NOUN
easat-9950	70	23	in	in	ADP
easat-9950	70	24	most	most	ADV
easat-9950	70	25	developed	develop	VERB
easat-9950	70	26	countries	country	NOUN
easat-9950	70	27	.	.	PUNCT
easat-9950	71	1	the	the	DET
easat-9950	71	2	internet	internet	NOUN
easat-9950	71	3	and	and	CCONJ
easat-9950	71	4	satellite	satellite	NOUN
easat-9950	71	5	communication	communication	NOUN
easat-9950	71	6	technologies	technology	NOUN
easat-9950	71	7	provide	provide	VERB
easat-9950	71	8	many	many	ADJ
easat-9950	71	9	opportunities	opportunity	NOUN
easat-9950	71	10	for	for	ADP
easat-9950	71	11	conducting	conduct	VERB
easat-9950	71	12	banking	banking	NOUN
easat-9950	71	13	transactions	transaction	NOUN
easat-9950	71	14	.	.	PUNCT
easat-9950	72	1	developments	development	NOUN
easat-9950	72	2	in	in	ADP
easat-9950	72	3	telecommunications	telecommunication	NOUN
easat-9950	72	4	and	and	CCONJ
easat-9950	72	5	the	the	DET
easat-9950	72	6	internet	internet	NOUN
easat-9950	72	7	make	make	VERB
easat-9950	72	8	it	it	PRON
easat-9950	72	9	easier	easy	ADJ
easat-9950	72	10	for	for	SCONJ
easat-9950	72	11	customers	customer	NOUN
easat-9950	72	12	to	to	PART
easat-9950	72	13	participate	participate	VERB
easat-9950	72	14	in	in	ADP
easat-9950	72	15	banking	banking	NOUN
easat-9950	72	16	transactions	transaction	NOUN
easat-9950	72	17	in	in	ADP
easat-9950	72	18	which	which	PRON
easat-9950	72	19	several	several	ADJ
easat-9950	72	20	different	different	ADJ
easat-9950	72	21	countries	country	NOUN
easat-9950	72	22	operate	operate	VERB
easat-9950	72	23	.	.	PUNCT
easat-9950	73	1	the	the	DET
easat-9950	73	2	development	development	NOUN
easat-9950	73	3	of	of	ADP
easat-9950	73	4	ib	ib	PROPN
easat-9950	73	5	technologies	technologies	PROPN
easat-9950	73	6	plays	play	VERB
easat-9950	73	7	a	a	DET
easat-9950	73	8	significant	significant	ADJ
easat-9950	73	9	role	role	NOUN
easat-9950	73	10	in	in	ADP
easat-9950	73	11	increasing	increase	VERB
easat-9950	73	12	the	the	DET
easat-9950	73	13	globalisation	globalisation	NOUN
easat-9950	73	14	and	and	CCONJ
easat-9950	73	15	internationalisation	internationalisation	NOUN
easat-9950	73	16	of	of	ADP
easat-9950	73	17	financial	financial	ADJ
easat-9950	73	18	markets	market	NOUN
easat-9950	73	19	[	[	X
easat-9950	73	20	1	1	NUM
easat-9950	73	21	]	]	PUNCT
easat-9950	73	22	.	.	PUNCT
easat-9950	74	1	ib	ib	PROPN
easat-9950	74	2	systems	system	NOUN
easat-9950	74	3	are	be	AUX
easat-9950	74	4	still	still	ADV
easat-9950	74	5	fairly	fairly	ADV
easat-9950	74	6	limited	limited	ADJ
easat-9950	74	7	in	in	ADP
easat-9950	74	8	emerging	emerge	VERB
easat-9950	74	9	markets	market	NOUN
easat-9950	74	10	and	and	CCONJ
easat-9950	74	11	different	different	ADJ
easat-9950	74	12	countries	country	NOUN
easat-9950	74	13	have	have	AUX
easat-9950	74	14	overlooked	overlook	VERB
easat-9950	74	15	the	the	DET
easat-9950	74	16	potential	potential	NOUN
easat-9950	74	17	of	of	ADP
easat-9950	74	18	online	online	ADJ
easat-9950	74	19	technologies	technology	NOUN
easat-9950	74	20	at	at	ADP
easat-9950	74	21	the	the	DET
easat-9950	74	22	outset	outset	NOUN
easat-9950	74	23	of	of	ADP
easat-9950	74	24	the	the	DET
easat-9950	74	25	technological	technological	ADJ
easat-9950	74	26	revolution	revolution	NOUN
easat-9950	74	27	which	which	PRON
easat-9950	74	28	represents	represent	VERB
easat-9950	74	29	a	a	DET
easat-9950	74	30	missed	miss	VERB
easat-9950	74	31	opportunity	opportunity	NOUN
easat-9950	74	32	for	for	ADP
easat-9950	74	33	catch	catch	NOUN
easat-9950	74	34	-	-	PUNCT
easat-9950	74	35	up	up	ADP
easat-9950	74	36	development	development	NOUN
easat-9950	74	37	and	and	CCONJ
easat-9950	74	38	human	human	ADJ
easat-9950	74	39	development	development	NOUN
easat-9950	74	40	.	.	PUNCT
easat-9950	75	1	the	the	DET
easat-9950	75	2	greek	greek	ADJ
easat-9950	75	3	market	market	NOUN
easat-9950	75	4	for	for	ADP
easat-9950	75	5	ib	ib	PROPN
easat-9950	75	6	is	be	AUX
easat-9950	75	7	still	still	ADV
easat-9950	75	8	very	very	ADV
easat-9950	75	9	small	small	ADJ
easat-9950	75	10	,	,	PUNCT
easat-9950	75	11	providing	provide	VERB
easat-9950	75	12	online	online	ADJ
easat-9950	75	13	financial	financial	ADJ
easat-9950	75	14	services	service	NOUN
easat-9950	75	15	to	to	ADP
easat-9950	75	16	only	only	ADV
easat-9950	75	17	8	8	NUM
easat-9950	75	18	%	%	NOUN
easat-9950	75	19	of	of	ADP
easat-9950	75	20	households	household	NOUN
easat-9950	75	21	.	.	PUNCT
easat-9950	76	1	increasing	increase	VERB
easat-9950	76	2	internet	internet	NOUN
easat-9950	76	3	use	use	NOUN
easat-9950	76	4	and	and	CCONJ
easat-9950	76	5	awareness	awareness	NOUN
easat-9950	76	6	of	of	ADP
easat-9950	76	7	banking	banking	NOUN
easat-9950	76	8	services	service	NOUN
easat-9950	76	9	via	via	ADP
easat-9950	76	10	the	the	DET
easat-9950	76	11	internet	internet	NOUN
easat-9950	76	12	,	,	PUNCT
easat-9950	76	13	however	however	ADV
easat-9950	76	14	,	,	PUNCT
easat-9950	76	15	supports	support	VERB
easat-9950	76	16	the	the	DET
easat-9950	76	17	promising	promising	ADJ
easat-9950	76	18	outlook	outlook	NOUN
easat-9950	76	19	for	for	ADP
easat-9950	76	20	the	the	DET
easat-9950	76	21	expansion	expansion	NOUN
easat-9950	76	22	of	of	ADP
easat-9950	76	23	online	online	ADJ
easat-9950	76	24	banking	banking	NOUN
easat-9950	76	25	services	service	NOUN
easat-9950	76	26	in	in	ADP
easat-9950	76	27	the	the	DET
easat-9950	76	28	country	country	NOUN
easat-9950	76	29	.	.	PUNCT
easat-9950	77	1	the	the	DET
easat-9950	77	2	sudden	sudden	ADJ
easat-9950	77	3	increase	increase	NOUN
easat-9950	77	4	of	of	ADP
easat-9950	77	5	internet	internet	NOUN
easat-9950	77	6	penetration	penetration	NOUN
easat-9950	77	7	and	and	CCONJ
easat-9950	77	8	the	the	DET
easat-9950	77	9	spike	spike	NOUN
easat-9950	77	10	of	of	ADP
easat-9950	77	11	investments	investment	NOUN
easat-9950	77	12	and	and	CCONJ
easat-9950	77	13	new	new	ADJ
easat-9950	77	14	entrants	entrant	NOUN
easat-9950	77	15	in	in	ADP
easat-9950	77	16	the	the	DET
easat-9950	77	17	greek	greek	ADJ
easat-9950	77	18	online	online	ADJ
easat-9950	77	19	-	-	PUNCT
easat-9950	77	20	banking	banking	NOUN
easat-9950	77	21	sector	sector	NOUN
easat-9950	77	22	mark	mark	VERB
easat-9950	77	23	a	a	DET
easat-9950	77	24	very	very	ADV
easat-9950	77	25	clear	clear	ADJ
easat-9950	77	26	ownership	ownership	NOUN
easat-9950	77	27	shift	shift	NOUN
easat-9950	77	28	in	in	ADP
easat-9950	77	29	the	the	DET
easat-9950	77	30	future	future	NOUN
easat-9950	77	31	of	of	ADP
easat-9950	77	32	the	the	DET
easat-9950	77	33	european	european	ADJ
easat-9950	77	34	banking	banking	NOUN
easat-9950	77	35	market	market	NOUN
easat-9950	77	36	.	.	PUNCT
easat-9950	78	1	the	the	DET
easat-9950	78	2	pace	pace	NOUN
easat-9950	78	3	of	of	ADP
easat-9950	78	4	the	the	DET
easat-9950	78	5	technological	technological	ADJ
easat-9950	78	6	change	change	NOUN
easat-9950	78	7	is	be	AUX
easat-9950	78	8	unprecedented	unprecedented	ADJ
easat-9950	78	9	and	and	CCONJ
easat-9950	78	10	reinforces	reinforce	VERB
easat-9950	78	11	the	the	DET
easat-9950	78	12	notion	notion	NOUN
easat-9950	78	13	that	that	SCONJ
easat-9950	78	14	internet	internet	NOUN
easat-9950	78	15	financial	financial	ADJ
easat-9950	78	16	services	service	NOUN
easat-9950	78	17	will	will	AUX
easat-9950	78	18	outpace	outpace	VERB
easat-9950	78	19	the	the	DET
easat-9950	78	20	penetration	penetration	NOUN
easat-9950	78	21	of	of	ADP
easat-9950	78	22	financial	financial	ADJ
easat-9950	78	23	internet	internet	NOUN
easat-9950	78	24	services	service	NOUN
easat-9950	78	25	in	in	ADP
easat-9950	78	26	mature	mature	ADJ
easat-9950	78	27	markets	market	NOUN
easat-9950	78	28	such	such	ADJ
easat-9950	78	29	as	as	ADP
easat-9950	78	30	the	the	DET
easat-9950	78	31	u.s	u.s	PROPN
easat-9950	78	32	.	.	PROPN
easat-9950	78	33	and	and	CCONJ
easat-9950	78	34	northern	northern	ADJ
easat-9950	78	35	and	and	CCONJ
easat-9950	78	36	southern	southern	ADJ
easat-9950	78	37	europe	europe	PROPN
easat-9950	78	38	.	.	PUNCT
easat-9950	79	1	this	this	PRON
easat-9950	79	2	is	be	AUX
easat-9950	79	3	the	the	DET
easat-9950	79	4	core	core	ADJ
easat-9950	79	5	effect	effect	NOUN
easat-9950	79	6	of	of	ADP
easat-9950	79	7	the	the	DET
easat-9950	79	8	internationalisation	internationalisation	NOUN
easat-9950	79	9	of	of	ADP
easat-9950	79	10	capital	capital	NOUN
easat-9950	79	11	markets	market	NOUN
easat-9950	79	12	and	and	CCONJ
easat-9950	79	13	the	the	DET
easat-9950	79	14	upgrading	upgrading	NOUN
easat-9950	79	15	of	of	ADP
easat-9950	79	16	the	the	DET
easat-9950	79	17	national	national	ADJ
easat-9950	79	18	financial	financial	ADJ
easat-9950	79	19	market	market	NOUN
easat-9950	79	20	.	.	PUNCT
easat-9950	80	1	ib	ib	PROPN
easat-9950	80	2	transactions	transaction	NOUN
easat-9950	80	3	currently	currently	ADV
easat-9950	80	4	cover	cover	VERB
easat-9950	80	5	wire	wire	NOUN
easat-9950	80	6	transfers	transfer	NOUN
easat-9950	80	7	,	,	PUNCT
easat-9950	80	8	bill	bill	NOUN
easat-9950	80	9	payments	payment	NOUN
easat-9950	80	10	,	,	PUNCT
easat-9950	80	11	and	and	CCONJ
easat-9950	80	12	account	account	NOUN
easat-9950	80	13	information	information	NOUN
easat-9950	80	14	enquiries	enquiry	NOUN
easat-9950	80	15	.	.	PUNCT
easat-9950	81	1	domestic	domestic	ADJ
easat-9950	81	2	trades	trade	NOUN
easat-9950	81	3	are	be	AUX
easat-9950	81	4	permitted	permit	VERB
easat-9950	81	5	using	use	VERB
easat-9950	81	6	financial	financial	ADJ
easat-9950	81	7	brokers	broker	NOUN
easat-9950	81	8	.	.	PUNCT
easat-9950	82	1	since	since	SCONJ
easat-9950	82	2	the	the	DET
easat-9950	82	3	ib	ib	NOUN
easat-9950	82	4	penetration	penetration	NOUN
easat-9950	82	5	in	in	ADP
easat-9950	82	6	greek	greek	ADJ
easat-9950	82	7	banks	bank	NOUN
easat-9950	82	8	is	be	AUX
easat-9950	82	9	still	still	ADV
easat-9950	82	10	quite	quite	ADV
easat-9950	82	11	low	low	ADJ
easat-9950	82	12	,	,	PUNCT
easat-9950	82	13	the	the	DET
easat-9950	82	14	majority	majority	NOUN
easat-9950	82	15	of	of	ADP
easat-9950	82	16	consumers	consumer	NOUN
easat-9950	82	17	prefer	prefer	VERB
easat-9950	82	18	to	to	PART
easat-9950	82	19	continue	continue	VERB
easat-9950	82	20	accessing	access	VERB
easat-9950	82	21	their	their	PRON
easat-9950	82	22	accounts	account	NOUN
easat-9950	82	23	through	through	ADP
easat-9950	82	24	traditional	traditional	ADJ
easat-9950	82	25	methods	method	NOUN
easat-9950	82	26	or	or	CCONJ
easat-9950	82	27	telephone	telephone	NOUN
easat-9950	82	28	.	.	PUNCT
easat-9950	83	1	internet	internet	NOUN
easat-9950	83	2	banking	banking	NOUN
easat-9950	83	3	users	user	NOUN
easat-9950	83	4	in	in	ADP
easat-9950	83	5	greece	greece	PROPN
easat-9950	83	6	were	be	AUX
easat-9950	83	7	expected	expect	VERB
easat-9950	83	8	to	to	PART
easat-9950	83	9	increase	increase	VERB
easat-9950	83	10	by	by	ADP
easat-9950	83	11	at	at	ADV
easat-9950	83	12	least	least	ADV
easat-9950	83	13	200	200	NUM
easat-9950	83	14	%	%	NOUN
easat-9950	83	15	by	by	ADP
easat-9950	83	16	2003	2003	NUM
easat-9950	83	17	,	,	PUNCT
easat-9950	83	18	reaching	reach	VERB
easat-9950	83	19	an	an	DET
easat-9950	83	20	estimated	estimate	VERB
easat-9950	83	21	5	5	NUM
easat-9950	83	22	million	million	NUM
easat-9950	83	23	users	user	NOUN
easat-9950	83	24	.	.	PUNCT
easat-9950	84	1	by	by	ADP
easat-9950	84	2	2005	2005	NUM
easat-9950	84	3	,	,	PUNCT
easat-9950	84	4	70	70	NUM
easat-9950	84	5	%	%	NOUN
easat-9950	84	6	of	of	ADP
easat-9950	84	7	the	the	DET
easat-9950	84	8	population	population	NOUN
easat-9950	84	9	was	be	AUX
easat-9950	84	10	projected	project	VERB
easat-9950	84	11	to	to	PART
easat-9950	84	12	perform	perform	VERB
easat-9950	84	13	transactions	transaction	NOUN
easat-9950	84	14	through	through	ADP
easat-9950	84	15	mobile	mobile	ADJ
easat-9950	84	16	banking	banking	NOUN
easat-9950	84	17	and	and	CCONJ
easat-9950	84	18	8–9	8–9	NUM
easat-9950	84	19	%	%	NOUN
easat-9950	84	20	through	through	ADP
easat-9950	84	21	digital	digital	ADJ
easat-9950	84	22	television	television	NOUN
easat-9950	84	23	.	.	PUNCT
easat-9950	85	1	3.1	3.1	NUM
easat-9950	85	2	.	.	PUNCT
easat-9950	85	3	historical	historical	ADJ
easat-9950	85	4	development	development	PROPN
easat-9950	85	5	internet	internet	NOUN
easat-9950	85	6	banking	banking	NOUN
easat-9950	85	7	was	be	AUX
easat-9950	85	8	developed	develop	VERB
easat-9950	85	9	in	in	ADP
easat-9950	85	10	parallel	parallel	NOUN
easat-9950	85	11	with	with	ADP
easat-9950	85	12	the	the	DET
easat-9950	85	13	evolution	evolution	NOUN
easat-9950	85	14	of	of	ADP
easat-9950	85	15	the	the	DET
easat-9950	85	16	internet	internet	NOUN
easat-9950	85	17	and	and	CCONJ
easat-9950	85	18	its	its	PRON
easat-9950	85	19	widespread	widespread	ADJ
easat-9950	85	20	use	use	NOUN
easat-9950	85	21	for	for	ADP
easat-9950	85	22	business	business	NOUN
easat-9950	85	23	applications	application	NOUN
easat-9950	85	24	.	.	PUNCT
easat-9950	86	1	it	it	PRON
easat-9950	86	2	took	take	VERB
easat-9950	86	3	only	only	ADV
easat-9950	86	4	four	four	NUM
easat-9950	86	5	years	year	NOUN
easat-9950	86	6	to	to	PART
easat-9950	86	7	move	move	VERB
easat-9950	86	8	from	from	ADP
easat-9950	86	9	the	the	DET
easat-9950	86	10	initial	initial	ADJ
easat-9950	86	11	idea	idea	NOUN
easat-9950	86	12	to	to	ADP
easat-9950	86	13	the	the	DET
easat-9950	86	14	first	first	ADJ
easat-9950	86	15	implementation	implementation	NOUN
easat-9950	86	16	of	of	ADP
easat-9950	86	17	online	online	ADJ
easat-9950	86	18	banking	banking	NOUN
easat-9950	86	19	services	service	NOUN
easat-9950	86	20	.	.	PUNCT
easat-9950	87	1	this	this	DET
easat-9950	87	2	rapid	rapid	ADJ
easat-9950	87	3	adoption	adoption	NOUN
easat-9950	87	4	led	lead	VERB
easat-9950	87	5	to	to	ADP
easat-9950	87	6	numerous	numerous	ADJ
easat-9950	87	7	innovations	innovation	NOUN
easat-9950	87	8	and	and	CCONJ
easat-9950	87	9	to	to	PART
easat-9950	87	10	reduced	reduce	VERB
easat-9950	87	11	time	time	NOUN
easat-9950	87	12	-	-	PUNCT
easat-9950	87	13	to	to	ADP
easat-9950	87	14	-	-	PUNCT
easat-9950	87	15	market	market	NOUN
easat-9950	87	16	cycles	cycle	NOUN
easat-9950	87	17	,	,	PUNCT
easat-9950	87	18	driving	drive	VERB
easat-9950	87	19	significant	significant	ADJ
easat-9950	87	20	competitive	competitive	ADJ
easat-9950	87	21	advantage	advantage	NOUN
easat-9950	87	22	;	;	PUNCT
easat-9950	87	23	it	it	PRON
easat-9950	87	24	took	take	VERB
easat-9950	87	25	the	the	DET
easat-9950	87	26	web	web	NOUN
easat-9950	87	27	only	only	ADV
easat-9950	87	28	six	six	NUM
easat-9950	87	29	years	year	NOUN
easat-9950	87	30	to	to	PART
easat-9950	87	31	become	become	VERB
easat-9950	87	32	a	a	DET
easat-9950	87	33	widespread	widespread	ADJ
easat-9950	87	34	medium	medium	NOUN
easat-9950	87	35	.	.	PUNCT
easat-9950	88	1	early	early	ADJ
easat-9950	88	2	online	online	ADJ
easat-9950	88	3	banking	banking	NOUN
easat-9950	88	4	services	service	NOUN
easat-9950	88	5	largely	largely	ADV
easat-9950	88	6	continued	continue	VERB
easat-9950	88	7	the	the	DET
easat-9950	88	8	traditional	traditional	ADJ
easat-9950	88	9	way	way	NOUN
easat-9950	88	10	of	of	ADP
easat-9950	88	11	delivering	deliver	VERB
easat-9950	88	12	banking	banking	NOUN
easat-9950	88	13	products	product	NOUN
easat-9950	88	14	,	,	PUNCT
easat-9950	88	15	including	include	VERB
easat-9950	88	16	issuing	issue	VERB
easat-9950	88	17	cards	card	NOUN
easat-9950	88	18	,	,	PUNCT
easat-9950	88	19	making	make	VERB
easat-9950	88	20	transfers	transfer	NOUN
easat-9950	88	21	,	,	PUNCT
easat-9950	88	22	credit	credit	NOUN
easat-9950	88	23	and	and	CCONJ
easat-9950	88	24	deposit	deposit	NOUN
easat-9950	88	25	accounts	account	NOUN
easat-9950	88	26	,	,	PUNCT
easat-9950	88	27	and	and	CCONJ
easat-9950	88	28	safety	safety	NOUN
easat-9950	88	29	deposit	deposit	NOUN
easat-9950	88	30	boxes	box	NOUN
easat-9950	88	31	.	.	PUNCT
easat-9950	89	1	yet	yet	CCONJ
easat-9950	89	2	the	the	DET
easat-9950	89	3	wide	wide	ADJ
easat-9950	89	4	dissemination	dissemination	NOUN
easat-9950	89	5	of	of	ADP
easat-9950	89	6	the	the	DET
easat-9950	89	7	web	web	NOUN
easat-9950	89	8	brought	bring	VERB
easat-9950	89	9	innovative	innovative	ADJ
easat-9950	89	10	banking	banking	NOUN
easat-9950	89	11	products	product	NOUN
easat-9950	89	12	and	and	CCONJ
easat-9950	89	13	formats	format	NOUN
easat-9950	89	14	,	,	PUNCT
easat-9950	89	15	as	as	ADV
easat-9950	89	16	well	well	ADV
easat-9950	89	17	as	as	ADP
easat-9950	89	18	changes	change	NOUN
easat-9950	89	19	in	in	ADP
easat-9950	89	20	the	the	DET
easat-9950	89	21	historical	historical	ADJ
easat-9950	89	22	role	role	NOUN
easat-9950	89	23	of	of	ADP
easat-9950	89	24	banks	bank	NOUN
easat-9950	89	25	.	.	PUNCT
easat-9950	90	1	online	online	ADJ
easat-9950	90	2	banking	banking	NOUN
easat-9950	90	3	is	be	AUX
easat-9950	90	4	viewed	view	VERB
easat-9950	90	5	by	by	ADP
easat-9950	90	6	retail	retail	ADJ
easat-9950	90	7	consumers	consumer	NOUN
easat-9950	90	8	as	as	ADP
easat-9950	90	9	an	an	DET
easat-9950	90	10	additional	additional	ADJ
easat-9950	90	11	delivery	delivery	NOUN
easat-9950	90	12	channel	channel	NOUN
easat-9950	90	13	,	,	PUNCT
easat-9950	90	14	as	as	SCONJ
easat-9950	90	15	complete	complete	ADJ
easat-9950	90	16	contact	contact	NOUN
easat-9950	90	17	with	with	ADP
easat-9950	90	18	the	the	DET
easat-9950	90	19	bank	bank	NOUN
easat-9950	90	20	requires	require	VERB
easat-9950	90	21	a	a	DET
easat-9950	90	22	networked	networked	ADJ
easat-9950	90	23	pc	pc	NOUN
easat-9950	90	24	with	with	ADP
easat-9950	90	25	access	access	NOUN
easat-9950	90	26	to	to	ADP
easat-9950	90	27	a	a	DET
easat-9950	90	28	browser	browser	NOUN
easat-9950	90	29	and	and	CCONJ
easat-9950	90	30	the	the	DET
easat-9950	90	31	internet	internet	NOUN
easat-9950	90	32	,	,	PUNCT
easat-9950	90	33	and	and	CCONJ
easat-9950	90	34	phone	phone	NOUN
easat-9950	90	35	banking	banking	NOUN
easat-9950	90	36	is	be	AUX
easat-9950	90	37	a	a	DET
easat-9950	90	38	more	more	ADV
easat-9950	90	39	direct	direct	ADJ
easat-9950	90	40	and	and	CCONJ
easat-9950	90	41	user	user	NOUN
easat-9950	90	42	-	-	PUNCT
easat-9950	90	43	friendly	friendly	ADJ
easat-9950	90	44	delivery	delivery	NOUN
easat-9950	90	45	channel	channel	NOUN
easat-9950	90	46	.	.	PUNCT
easat-9950	91	1	international	international	ADJ
easat-9950	91	2	and	and	CCONJ
easat-9950	91	3	local	local	ADJ
easat-9950	91	4	banks	bank	NOUN
easat-9950	91	5	in	in	ADP
easat-9950	91	6	greece	greece	PROPN
easat-9950	91	7	tend	tend	VERB
easat-9950	91	8	to	to	PART
easat-9950	91	9	offer	offer	VERB
easat-9950	91	10	the	the	DET
easat-9950	91	11	same	same	ADJ
easat-9950	91	12	banking	banking	NOUN
easat-9950	91	13	approach	approach	NOUN
easat-9950	91	14	.	.	PUNCT
easat-9950	92	1	the	the	DET
easat-9950	92	2	combination	combination	NOUN
easat-9950	92	3	of	of	ADP
easat-9950	92	4	retail	retail	ADJ
easat-9950	92	5	banking	banking	NOUN
easat-9950	92	6	accounts	account	VERB
easat-9950	92	7	for	for	ADP
easat-9950	92	8	cash	cash	NOUN
easat-9950	92	9	inflows	inflow	NOUN
easat-9950	92	10	and	and	CCONJ
easat-9950	92	11	outflows	outflow	NOUN
easat-9950	92	12	,	,	PUNCT
easat-9950	92	13	loans	loan	NOUN
easat-9950	92	14	,	,	PUNCT
easat-9950	92	15	credit	credit	NOUN
easat-9950	92	16	cards	card	NOUN
easat-9950	92	17	,	,	PUNCT
easat-9950	92	18	mortgages	mortgage	NOUN
easat-9950	92	19	,	,	PUNCT
easat-9950	92	20	and	and	CCONJ
easat-9950	92	21	wealth	wealth	NOUN
easat-9950	92	22	management	management	NOUN
easat-9950	92	23	is	be	AUX
easat-9950	92	24	targeted	target	VERB
easat-9950	92	25	at	at	ADP
easat-9950	92	26	individual	individual	ADJ
easat-9950	92	27	customers	customer	NOUN
easat-9950	92	28	and	and	CCONJ
easat-9950	92	29	small	small	ADJ
easat-9950	92	30	and	and	CCONJ
easat-9950	92	31	medium	medium	ADJ
easat-9950	92	32	enterprises	enterprise	NOUN
easat-9950	92	33	.	.	PUNCT
easat-9950	93	1	nearly	nearly	ADV
easat-9950	93	2	all	all	DET
easat-9950	93	3	banks	bank	NOUN
easat-9950	93	4	offering	offer	VERB
easat-9950	93	5	retail	retail	ADJ
easat-9950	93	6	banking	banking	NOUN
easat-9950	93	7	services	service	NOUN
easat-9950	93	8	also	also	ADV
easat-9950	93	9	provide	provide	VERB
easat-9950	93	10	online	online	ADJ
easat-9950	93	11	banking	banking	NOUN
easat-9950	94	1	[	[	X
easat-9950	94	2	1	1	NUM
easat-9950	94	3	]	]	PUNCT
easat-9950	94	4	.	.	PUNCT
easat-9950	95	1	3.2	3.2	NUM
easat-9950	95	2	.	.	PUNCT
easat-9950	96	1	current	current	ADJ
easat-9950	96	2	state	state	NOUN
easat-9950	96	3	of	of	ADP
easat-9950	96	4	internet	internet	NOUN
easat-9950	96	5	banking	banking	NOUN
easat-9950	96	6	internet	internet	NOUN
easat-9950	96	7	banking	banking	NOUN
easat-9950	96	8	experienced	experience	VERB
easat-9950	96	9	a	a	DET
easat-9950	96	10	compelling	compelling	ADJ
easat-9950	96	11	rise	rise	NOUN
easat-9950	96	12	in	in	ADP
easat-9950	96	13	greece	greece	PROPN
easat-9950	96	14	during	during	ADP
easat-9950	96	15	the	the	DET
easat-9950	96	16	early	early	ADJ
easat-9950	96	17	2000s	2000s	NUM
easat-9950	96	18	following	follow	VERB
easat-9950	96	19	the	the	DET
easat-9950	96	20	adoption	adoption	NOUN
easat-9950	96	21	of	of	ADP
easat-9950	96	22	regulation	regulation	NOUN
easat-9950	96	23	174/2000	174/2000	NUM
easat-9950	96	24	on	on	ADP
easat-9950	96	25	payment	payment	NOUN
easat-9950	96	26	services	service	NOUN
easat-9950	96	27	and	and	CCONJ
easat-9950	96	28	ministerial	ministerial	ADJ
easat-9950	96	29	decision	decision	NOUN
easat-9950	96	30	2663/2001	2663/2001	NUM
easat-9950	96	31	regarding	regard	VERB
easat-9950	96	32	money	money	NOUN
easat-9950	96	33	remittances	remittance	NOUN
easat-9950	96	34	.	.	PUNCT
easat-9950	97	1	although	although	SCONJ
easat-9950	97	2	the	the	DET
easat-9950	97	3	e	e	NOUN
easat-9950	97	4	-	-	NOUN
easat-9950	97	5	commerce	commerce	NOUN
easat-9950	97	6	and	and	CCONJ
easat-9950	97	7	internet	internet	NOUN
easat-9950	97	8	banking	banking	NOUN
easat-9950	97	9	markets	market	NOUN
easat-9950	97	10	remain	remain	VERB
easat-9950	97	11	nascent	nascent	ADJ
easat-9950	97	12	,	,	PUNCT
easat-9950	97	13	supplier	supplier	NOUN
easat-9950	97	14	703	703	NUM
easat-9950	97	15	edelweiss	edelweiss	PROPN
easat-9950	97	16	applied	apply	VERB
easat-9950	97	17	science	science	NOUN
easat-9950	97	18	and	and	CCONJ
easat-9950	97	19	technology	technology	NOUN
easat-9950	97	20	issn	issn	PROPN
easat-9950	97	21	:	:	PUNCT
easat-9950	97	22	2576	2576	NUM
easat-9950	97	23	-	-	SYM
easat-9950	97	24	8484	8484	NUM
easat-9950	97	25	vol	vol	NOUN
easat-9950	97	26	.	.	PROPN
easat-9950	98	1	9	9	NUM
easat-9950	98	2	,	,	PUNCT
easat-9950	98	3	no	no	INTJ
easat-9950	98	4	.	.	NOUN
easat-9950	98	5	9	9	NUM
easat-9950	98	6	:	:	PUNCT
easat-9950	98	7	699	699	NUM
easat-9950	98	8	-	-	SYM
easat-9950	98	9	714	714	NUM
easat-9950	98	10	,	,	PUNCT
easat-9950	98	11	2025	2025	NUM
easat-9950	98	12	doi	doi	NOUN
easat-9950	98	13	:	:	PUNCT
easat-9950	98	14	10.55214/2576	10.55214/2576	NUM
easat-9950	98	15	-	-	SYM
easat-9950	98	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	99	1	©	©	PROPN
easat-9950	99	2	2025	2025	NUM
easat-9950	99	3	by	by	ADP
easat-9950	99	4	the	the	DET
easat-9950	99	5	authors	author	NOUN
easat-9950	99	6	;	;	PUNCT
easat-9950	99	7	licensee	licensee	PROPN
easat-9950	99	8	learning	learn	VERB
easat-9950	99	9	gate	gate	NOUN
easat-9950	99	10	banks	bank	NOUN
easat-9950	99	11	consider	consider	VERB
easat-9950	99	12	the	the	DET
easat-9950	99	13	development	development	NOUN
easat-9950	99	14	of	of	ADP
easat-9950	99	15	information	information	NOUN
easat-9950	99	16	systems	system	NOUN
easat-9950	99	17	vital	vital	ADJ
easat-9950	99	18	and	and	CCONJ
easat-9950	99	19	pursue	pursue	VERB
easat-9950	99	20	aggressive	aggressive	ADJ
easat-9950	99	21	investments	investment	NOUN
easat-9950	99	22	to	to	PART
easat-9950	99	23	ensure	ensure	VERB
easat-9950	99	24	the	the	DET
easat-9950	99	25	successful	successful	ADJ
easat-9950	99	26	emergence	emergence	NOUN
easat-9950	99	27	of	of	ADP
easat-9950	99	28	ubiquitous	ubiquitous	ADJ
easat-9950	99	29	,	,	PUNCT
easat-9950	99	30	customer	customer	NOUN
easat-9950	99	31	-	-	PUNCT
easat-9950	99	32	centric	centric	NOUN
easat-9950	99	33	banking	banking	NOUN
easat-9950	99	34	[	[	X
easat-9950	99	35	1	1	NUM
easat-9950	99	36	]	]	PUNCT
easat-9950	99	37	.	.	PUNCT
easat-9950	100	1	in	in	ADP
easat-9950	100	2	contrast	contrast	NOUN
easat-9950	100	3	to	to	ADP
easat-9950	100	4	communities	community	NOUN
easat-9950	100	5	with	with	ADP
easat-9950	100	6	broader	broad	ADJ
easat-9950	100	7	access	access	NOUN
easat-9950	100	8	to	to	ADP
easat-9950	100	9	modern	modern	ADJ
easat-9950	100	10	telecommunication	telecommunication	NOUN
easat-9950	100	11	networks	network	NOUN
easat-9950	100	12	,	,	PUNCT
easat-9950	100	13	only	only	ADV
easat-9950	100	14	very	very	ADV
easat-9950	100	15	few	few	ADJ
easat-9950	100	16	ελληνικές	ελληνικές	NOUN
easat-9950	100	17	τράπεζες	τράπεζες	ADJ
easat-9950	100	18	undertake	undertake	VERB
easat-9950	100	19	systematic	systematic	ADJ
easat-9950	100	20	market	market	NOUN
easat-9950	100	21	research	research	NOUN
easat-9950	100	22	,	,	PUNCT
easat-9950	100	23	segment	segment	NOUN
easat-9950	100	24	analysis	analysis	NOUN
easat-9950	100	25	,	,	PUNCT
easat-9950	100	26	precise	precise	ADJ
easat-9950	100	27	rationalization	rationalization	NOUN
easat-9950	100	28	of	of	ADP
easat-9950	100	29	options	option	NOUN
easat-9950	100	30	,	,	PUNCT
easat-9950	100	31	or	or	CCONJ
easat-9950	100	32	the	the	DET
easat-9950	100	33	formulation	formulation	NOUN
easat-9950	100	34	of	of	ADP
easat-9950	100	35	clients	client	NOUN
easat-9950	100	36	’	’	PART
easat-9950	100	37	preferences	preference	NOUN
easat-9950	100	38	,	,	PUNCT
easat-9950	100	39	and	and	CCONJ
easat-9950	100	40	even	even	ADV
easat-9950	100	41	fewer	few	ADJ
easat-9950	100	42	are	be	AUX
easat-9950	100	43	aware	aware	ADJ
easat-9950	100	44	of	of	ADP
easat-9950	100	45	their	their	PRON
easat-9950	100	46	accomplishments	accomplishment	NOUN
easat-9950	100	47	and	and	CCONJ
easat-9950	100	48	client	client	NOUN
easat-9950	100	49	perceptions	perception	NOUN
easat-9950	100	50	.	.	PUNCT
easat-9950	101	1	typical	typical	ADJ
easat-9950	101	2	high	high	ADJ
easat-9950	101	3	-	-	PUNCT
easat-9950	101	4	value	value	NOUN
easat-9950	101	5	customers	customer	NOUN
easat-9950	101	6	tend	tend	VERB
easat-9950	101	7	to	to	PART
easat-9950	101	8	demonstrate	demonstrate	VERB
easat-9950	101	9	a	a	DET
easat-9950	101	10	significant	significant	ADJ
easat-9950	101	11	degree	degree	NOUN
easat-9950	101	12	of	of	ADP
easat-9950	101	13	loyalty	loyalty	NOUN
easat-9950	101	14	,	,	PUNCT
easat-9950	101	15	and	and	CCONJ
easat-9950	101	16	due	due	ADP
easat-9950	101	17	to	to	ADP
easat-9950	101	18	their	their	PRON
easat-9950	101	19	sophistication	sophistication	NOUN
easat-9950	101	20	and	and	CCONJ
easat-9950	101	21	historical	historical	ADJ
easat-9950	101	22	banking	banking	NOUN
easat-9950	101	23	interaction	interaction	NOUN
easat-9950	101	24	,	,	PUNCT
easat-9950	101	25	they	they	PRON
easat-9950	101	26	are	be	AUX
easat-9950	101	27	especially	especially	ADV
easat-9950	101	28	receptive	receptive	ADJ
easat-9950	101	29	to	to	ADP
easat-9950	101	30	internet	internet	NOUN
easat-9950	101	31	banking	banking	NOUN
easat-9950	101	32	services	service	NOUN
easat-9950	101	33	.	.	PUNCT
easat-9950	102	1	3.3	3.3	NUM
easat-9950	102	2	.	.	PUNCT
easat-9950	103	1	regulatory	regulatory	ADJ
easat-9950	103	2	framework	framework	NOUN
easat-9950	103	3	the	the	DET
easat-9950	103	4	rapid	rapid	ADJ
easat-9950	103	5	growth	growth	NOUN
easat-9950	103	6	of	of	ADP
easat-9950	103	7	mobile	mobile	ADJ
easat-9950	103	8	applications	application	NOUN
easat-9950	103	9	serving	serve	VERB
easat-9950	103	10	the	the	DET
easat-9950	103	11	internet	internet	NOUN
easat-9950	103	12	banking	banking	NOUN
easat-9950	103	13	ecosystem	ecosystem	NOUN
easat-9950	103	14	and	and	CCONJ
easat-9950	103	15	the	the	DET
easat-9950	103	16	user	user	NOUN
easat-9950	103	17	demand	demand	NOUN
easat-9950	103	18	for	for	ADP
easat-9950	103	19	financial	financial	ADJ
easat-9950	103	20	transactions	transaction	NOUN
easat-9950	103	21	across	across	ADP
easat-9950	103	22	all	all	DET
easat-9950	103	23	sectors	sector	NOUN
easat-9950	103	24	have	have	AUX
easat-9950	103	25	underscored	underscore	VERB
easat-9950	103	26	the	the	DET
easat-9950	103	27	importance	importance	NOUN
easat-9950	103	28	of	of	ADP
easat-9950	103	29	the	the	DET
easat-9950	103	30	regulatory	regulatory	ADJ
easat-9950	103	31	framework	framework	NOUN
easat-9950	103	32	within	within	ADP
easat-9950	103	33	which	which	PRON
easat-9950	103	34	this	this	DET
easat-9950	103	35	industry	industry	NOUN
easat-9950	103	36	operates	operate	VERB
easat-9950	103	37	.	.	PUNCT
easat-9950	104	1	security	security	NOUN
easat-9950	104	2	concerns	concern	NOUN
easat-9950	104	3	stemming	stem	VERB
easat-9950	104	4	from	from	ADP
easat-9950	104	5	potential	potential	ADJ
easat-9950	104	6	risks	risk	NOUN
easat-9950	104	7	inherent	inherent	ADJ
easat-9950	104	8	in	in	ADP
easat-9950	104	9	internet	internet	NOUN
easat-9950	104	10	-	-	PUNCT
easat-9950	104	11	based	base	VERB
easat-9950	104	12	transactions	transaction	NOUN
easat-9950	104	13	and	and	CCONJ
easat-9950	104	14	the	the	DET
easat-9950	104	15	general	general	ADJ
easat-9950	104	16	need	need	NOUN
easat-9950	104	17	for	for	ADP
easat-9950	104	18	regulatory	regulatory	ADJ
easat-9950	104	19	protection	protection	NOUN
easat-9950	104	20	have	have	AUX
easat-9950	104	21	prompted	prompt	VERB
easat-9950	104	22	governmental	governmental	ADJ
easat-9950	104	23	,	,	PUNCT
easat-9950	104	24	banking	banking	NOUN
easat-9950	104	25	,	,	PUNCT
easat-9950	104	26	and	and	CCONJ
easat-9950	104	27	european	european	PROPN
easat-9950	104	28	union	union	PROPN
easat-9950	104	29	authorities	authority	NOUN
easat-9950	104	30	to	to	PART
easat-9950	104	31	enact	enact	VERB
easat-9950	104	32	a	a	DET
easat-9950	104	33	comprehensive	comprehensive	ADJ
easat-9950	104	34	set	set	NOUN
easat-9950	104	35	of	of	ADP
easat-9950	104	36	laws	law	NOUN
easat-9950	104	37	,	,	PUNCT
easat-9950	104	38	principles	principle	NOUN
easat-9950	104	39	,	,	PUNCT
easat-9950	104	40	and	and	CCONJ
easat-9950	104	41	guidelines	guideline	NOUN
easat-9950	104	42	to	to	PART
easat-9950	104	43	establish	establish	VERB
easat-9950	104	44	the	the	DET
easat-9950	104	45	proper	proper	ADJ
easat-9950	104	46	structure	structure	NOUN
easat-9950	104	47	for	for	ADP
easat-9950	104	48	operating	operate	VERB
easat-9950	104	49	internet	internet	NOUN
easat-9950	104	50	banking	banking	NOUN
easat-9950	104	51	.	.	PUNCT
easat-9950	105	1	regulations	regulation	NOUN
easat-9950	105	2	address	address	VERB
easat-9950	105	3	fundamental	fundamental	ADJ
easat-9950	105	4	questions	question	NOUN
easat-9950	105	5	such	such	ADJ
easat-9950	105	6	as	as	ADP
easat-9950	105	7	the	the	DET
easat-9950	105	8	prerequisites	prerequisite	NOUN
easat-9950	105	9	for	for	ADP
easat-9950	105	10	licensing	license	VERB
easat-9950	105	11	business	business	NOUN
easat-9950	105	12	activities	activity	NOUN
easat-9950	105	13	in	in	ADP
easat-9950	105	14	greece	greece	PROPN
easat-9950	105	15	,	,	PUNCT
easat-9950	105	16	the	the	DET
easat-9950	105	17	conduct	conduct	NOUN
easat-9950	105	18	of	of	ADP
easat-9950	105	19	business	business	NOUN
easat-9950	105	20	,	,	PUNCT
easat-9950	105	21	and	and	CCONJ
easat-9950	105	22	the	the	DET
easat-9950	105	23	protection	protection	NOUN
easat-9950	105	24	of	of	ADP
easat-9950	105	25	internet	internet	NOUN
easat-9950	105	26	banking	banking	NOUN
easat-9950	105	27	users	user	NOUN
easat-9950	105	28	,	,	PUNCT
easat-9950	105	29	as	as	ADV
easat-9950	105	30	well	well	ADV
easat-9950	105	31	as	as	ADP
easat-9950	105	32	monitoring	monitor	VERB
easat-9950	105	33	the	the	DET
easat-9950	105	34	overall	overall	ADJ
easat-9950	105	35	security	security	NOUN
easat-9950	105	36	of	of	ADP
easat-9950	105	37	online	online	ADJ
easat-9950	105	38	transactions	transaction	NOUN
easat-9950	105	39	through	through	ADP
easat-9950	105	40	governance	governance	NOUN
easat-9950	105	41	.	.	PUNCT
easat-9950	106	1	a	a	DET
easat-9950	106	2	study	study	NOUN
easat-9950	106	3	of	of	ADP
easat-9950	106	4	internet	internet	NOUN
easat-9950	106	5	banking	banking	NOUN
easat-9950	106	6	regulations	regulation	NOUN
easat-9950	106	7	in	in	ADP
easat-9950	106	8	greece	greece	PROPN
easat-9950	106	9	reveals	reveal	VERB
easat-9950	106	10	a	a	DET
easat-9950	106	11	set	set	NOUN
easat-9950	106	12	of	of	ADP
easat-9950	106	13	fundamental	fundamental	ADJ
easat-9950	106	14	rules	rule	NOUN
easat-9950	106	15	designed	design	VERB
easat-9950	106	16	to	to	PART
easat-9950	106	17	safeguard	safeguard	VERB
easat-9950	106	18	both	both	DET
easat-9950	106	19	services	service	NOUN
easat-9950	106	20	and	and	CCONJ
easat-9950	106	21	users	user	NOUN
easat-9950	106	22	alike	alike	ADV
easat-9950	106	23	.	.	PUNCT
easat-9950	107	1	4	4	X
easat-9950	107	2	.	.	X
easat-9950	107	3	integration	integration	NOUN
easat-9950	107	4	of	of	ADP
easat-9950	107	5	mobile	mobile	ADJ
easat-9950	107	6	applications	application	NOUN
easat-9950	107	7	with	with	ADP
easat-9950	107	8	internet	internet	NOUN
easat-9950	107	9	banking	banking	NOUN
easat-9950	107	10	the	the	DET
easat-9950	107	11	integration	integration	NOUN
easat-9950	107	12	of	of	ADP
easat-9950	107	13	mobile	mobile	ADJ
easat-9950	107	14	applications	application	NOUN
easat-9950	107	15	with	with	ADP
easat-9950	107	16	internet	internet	NOUN
easat-9950	107	17	banking	banking	NOUN
easat-9950	107	18	delineates	delineate	VERB
easat-9950	107	19	a	a	DET
easat-9950	107	20	collection	collection	NOUN
easat-9950	107	21	of	of	ADP
easat-9950	107	22	interoperable	interoperable	ADJ
easat-9950	107	23	components	component	NOUN
easat-9950	107	24	coordinated	coordinate	VERB
easat-9950	107	25	by	by	ADP
easat-9950	107	26	sophisticated	sophisticated	ADJ
easat-9950	107	27	operational	operational	ADJ
easat-9950	107	28	rules	rule	NOUN
easat-9950	107	29	.	.	PUNCT
easat-9950	108	1	the	the	DET
easat-9950	108	2	resulting	result	VERB
easat-9950	108	3	functionalities	functionality	NOUN
easat-9950	108	4	orchestrate	orchestrate	VERB
easat-9950	108	5	the	the	DET
easat-9950	108	6	digital	digital	ADJ
easat-9950	108	7	transformation	transformation	NOUN
easat-9950	108	8	of	of	ADP
easat-9950	108	9	traditional	traditional	ADJ
easat-9950	108	10	banking	banking	NOUN
easat-9950	108	11	processes	process	NOUN
easat-9950	108	12	into	into	ADP
easat-9950	108	13	customized	customized	ADJ
easat-9950	108	14	engagement	engagement	NOUN
easat-9950	108	15	paths	path	NOUN
easat-9950	108	16	that	that	PRON
easat-9950	108	17	support	support	VERB
easat-9950	108	18	critical	critical	ADJ
easat-9950	108	19	entrepreneurial	entrepreneurial	ADJ
easat-9950	108	20	activities	activity	NOUN
easat-9950	108	21	and	and	CCONJ
easat-9950	108	22	secure	secure	VERB
easat-9950	108	23	constructive	constructive	ADJ
easat-9950	108	24	customer	customer	NOUN
easat-9950	108	25	relationships	relationship	NOUN
easat-9950	108	26	.	.	PUNCT
easat-9950	109	1	technical	technical	ADJ
easat-9950	109	2	components	component	NOUN
easat-9950	109	3	include	include	VERB
easat-9950	109	4	user	user	NOUN
easat-9950	109	5	interfaces	interface	NOUN
easat-9950	109	6	,	,	PUNCT
easat-9950	109	7	software	software	NOUN
easat-9950	109	8	modules	module	NOUN
easat-9950	109	9	,	,	PUNCT
easat-9950	109	10	data	datum	NOUN
easat-9950	109	11	management	management	NOUN
easat-9950	109	12	systems	system	NOUN
easat-9950	109	13	,	,	PUNCT
easat-9950	109	14	and	and	CCONJ
easat-9950	109	15	communication	communication	NOUN
easat-9950	109	16	protocols	protocol	NOUN
easat-9950	109	17	.	.	PUNCT
easat-9950	110	1	mobile	mobile	ADJ
easat-9950	110	2	applications	application	NOUN
easat-9950	110	3	provide	provide	VERB
easat-9950	110	4	straightforward	straightforward	ADJ
easat-9950	110	5	and	and	CCONJ
easat-9950	110	6	economically	economically	ADV
easat-9950	110	7	viable	viable	ADJ
easat-9950	110	8	solutions	solution	NOUN
easat-9950	110	9	for	for	ADP
easat-9950	110	10	delivering	deliver	VERB
easat-9950	110	11	internet	internet	NOUN
easat-9950	110	12	and	and	CCONJ
easat-9950	110	13	financial	financial	ADJ
easat-9950	110	14	services	service	NOUN
easat-9950	110	15	.	.	PUNCT
easat-9950	111	1	users	user	NOUN
easat-9950	111	2	can	can	AUX
easat-9950	111	3	perform	perform	VERB
easat-9950	111	4	financial	financial	ADJ
easat-9950	111	5	transactions	transaction	NOUN
easat-9950	111	6	(	(	PUNCT
easat-9950	111	7	payments	payment	NOUN
easat-9950	111	8	,	,	PUNCT
easat-9950	111	9	money	money	NOUN
easat-9950	111	10	transfers	transfer	NOUN
easat-9950	111	11	,	,	PUNCT
easat-9950	111	12	credit	credit	NOUN
easat-9950	111	13	card	card	NOUN
easat-9950	111	14	management	management	NOUN
easat-9950	111	15	)	)	PUNCT
easat-9950	111	16	by	by	ADP
easat-9950	111	17	leveraging	leverage	VERB
easat-9950	111	18	actual	actual	ADJ
easat-9950	111	19	positions	position	NOUN
easat-9950	111	20	,	,	PUNCT
easat-9950	111	21	analyzing	analyze	VERB
easat-9950	111	22	preferences	preference	NOUN
easat-9950	111	23	,	,	PUNCT
easat-9950	111	24	or	or	CCONJ
easat-9950	111	25	pre	pre	ADJ
easat-9950	111	26	-	-	ADJ
easat-9950	111	27	registering	register	VERB
easat-9950	111	28	inquiries	inquiry	NOUN
easat-9950	111	29	.	.	PUNCT
easat-9950	112	1	costeffectiveness	costeffectiveness	NOUN
easat-9950	112	2	,	,	PUNCT
easat-9950	112	3	operational	operational	ADJ
easat-9950	112	4	simplicity	simplicity	NOUN
easat-9950	112	5	,	,	PUNCT
easat-9950	112	6	and	and	CCONJ
easat-9950	112	7	added	add	VERB
easat-9950	112	8	-	-	PUNCT
easat-9950	112	9	value	value	NOUN
easat-9950	112	10	services	service	NOUN
easat-9950	112	11	remain	remain	VERB
easat-9950	112	12	the	the	DET
easat-9950	112	13	primary	primary	ADJ
easat-9950	112	14	grounds	ground	NOUN
easat-9950	112	15	for	for	ADP
easat-9950	112	16	adopting	adopt	VERB
easat-9950	112	17	mobile	mobile	ADJ
easat-9950	112	18	interfaces	interface	NOUN
easat-9950	112	19	to	to	ADP
easat-9950	112	20	internet	internet	NOUN
easat-9950	112	21	-	-	PUNCT
easat-9950	112	22	hosted	host	VERB
easat-9950	112	23	banking	banking	NOUN
easat-9950	112	24	.	.	PUNCT
easat-9950	113	1	the	the	DET
easat-9950	113	2	wide	wide	ADJ
easat-9950	113	3	use	use	NOUN
easat-9950	113	4	of	of	ADP
easat-9950	113	5	mobile	mobile	ADJ
easat-9950	113	6	technology	technology	NOUN
easat-9950	113	7	has	have	AUX
easat-9950	113	8	further	far	ADV
easat-9950	113	9	raised	raise	VERB
easat-9950	113	10	reliability	reliability	NOUN
easat-9950	113	11	concerns	concern	NOUN
easat-9950	113	12	among	among	ADP
easat-9950	113	13	potential	potential	ADJ
easat-9950	113	14	users	user	NOUN
easat-9950	113	15	,	,	PUNCT
easat-9950	113	16	who	who	PRON
easat-9950	113	17	apparently	apparently	ADV
easat-9950	113	18	prove	prove	VERB
easat-9950	113	19	demanding	demand	VERB
easat-9950	113	20	about	about	ADP
easat-9950	113	21	access	access	NOUN
easat-9950	113	22	safety	safety	NOUN
easat-9950	113	23	[	[	X
easat-9950	113	24	1	1	NUM
easat-9950	113	25	]	]	PUNCT
easat-9950	113	26	.	.	PUNCT
easat-9950	114	1	regular	regular	ADJ
easat-9950	114	2	updates	update	NOUN
easat-9950	114	3	,	,	PUNCT
easat-9950	114	4	clear	clear	ADJ
easat-9950	114	5	procedures	procedure	NOUN
easat-9950	114	6	,	,	PUNCT
easat-9950	114	7	and	and	CCONJ
easat-9950	114	8	the	the	DET
easat-9950	114	9	timely	timely	ADJ
easat-9950	114	10	delivery	delivery	NOUN
easat-9950	114	11	of	of	ADP
easat-9950	114	12	related	related	ADJ
easat-9950	114	13	information	information	NOUN
easat-9950	114	14	set	set	VERB
easat-9950	114	15	the	the	DET
easat-9950	114	16	necessary	necessary	ADJ
easat-9950	114	17	framework	framework	NOUN
easat-9950	114	18	for	for	ADP
easat-9950	114	19	encouraging	encourage	VERB
easat-9950	114	20	an	an	DET
easat-9950	114	21	increasing	increase	VERB
easat-9950	114	22	number	number	NOUN
easat-9950	114	23	of	of	ADP
easat-9950	114	24	applications	application	NOUN
easat-9950	114	25	to	to	PART
easat-9950	114	26	serve	serve	VERB
easat-9950	114	27	a	a	DET
easat-9950	114	28	variety	variety	NOUN
easat-9950	114	29	of	of	ADP
easat-9950	114	30	categories	category	NOUN
easat-9950	114	31	and	and	CCONJ
easat-9950	114	32	degrees	degree	NOUN
easat-9950	114	33	of	of	ADP
easat-9950	114	34	sophistication	sophistication	NOUN
easat-9950	114	35	.	.	PUNCT
easat-9950	115	1	4.1	4.1	NUM
easat-9950	115	2	.	.	PUNCT
easat-9950	116	1	technical	technical	ADJ
easat-9950	116	2	aspects	aspect	NOUN
easat-9950	116	3	mobile	mobile	ADJ
easat-9950	116	4	applications	application	NOUN
easat-9950	116	5	and	and	CCONJ
easat-9950	116	6	internet	internet	NOUN
easat-9950	116	7	banking	banking	NOUN
easat-9950	116	8	play	play	VERB
easat-9950	116	9	a	a	DET
easat-9950	116	10	pivotal	pivotal	ADJ
easat-9950	116	11	role	role	NOUN
easat-9950	116	12	in	in	ADP
easat-9950	116	13	the	the	DET
easat-9950	116	14	digital	digital	ADJ
easat-9950	116	15	transformation	transformation	NOUN
easat-9950	116	16	of	of	ADP
easat-9950	116	17	greek	greek	ADJ
easat-9950	116	18	enterprises	enterprise	NOUN
easat-9950	116	19	.	.	PUNCT
easat-9950	117	1	mobile	mobile	ADJ
easat-9950	117	2	applications	application	NOUN
easat-9950	117	3	can	can	AUX
easat-9950	117	4	be	be	AUX
easat-9950	117	5	classified	classify	VERB
easat-9950	117	6	into	into	ADP
easat-9950	117	7	three	three	NUM
easat-9950	117	8	categories	category	NOUN
easat-9950	117	9	:	:	PUNCT
easat-9950	117	10	native	native	ADJ
easat-9950	117	11	applications	application	NOUN
easat-9950	117	12	,	,	PUNCT
easat-9950	117	13	web	web	NOUN
easat-9950	117	14	applications	application	NOUN
easat-9950	117	15	,	,	PUNCT
easat-9950	117	16	and	and	CCONJ
easat-9950	117	17	hybrid	hybrid	ADJ
easat-9950	117	18	applications	application	NOUN
easat-9950	117	19	.	.	PUNCT
easat-9950	118	1	native	native	ADJ
easat-9950	118	2	applications	application	NOUN
easat-9950	118	3	are	be	AUX
easat-9950	118	4	developed	develop	VERB
easat-9950	118	5	specifically	specifically	ADV
easat-9950	118	6	for	for	ADP
easat-9950	118	7	a	a	DET
easat-9950	118	8	particular	particular	ADJ
easat-9950	118	9	mobile	mobile	ADJ
easat-9950	118	10	platform	platform	NOUN
easat-9950	118	11	(	(	PUNCT
easat-9950	118	12	android	android	PROPN
easat-9950	118	13	or	or	CCONJ
easat-9950	118	14	apple	apple	NOUN
easat-9950	118	15	)	)	PUNCT
easat-9950	118	16	,	,	PUNCT
easat-9950	118	17	offering	offer	VERB
easat-9950	118	18	fast	fast	ADJ
easat-9950	118	19	performance	performance	NOUN
easat-9950	118	20	and	and	CCONJ
easat-9950	118	21	the	the	DET
easat-9950	118	22	ability	ability	NOUN
easat-9950	118	23	to	to	PART
easat-9950	118	24	utilize	utilize	VERB
easat-9950	118	25	all	all	DET
easat-9950	118	26	built	build	VERB
easat-9950	118	27	-	-	PUNCT
easat-9950	118	28	in	in	ADP
easat-9950	118	29	features	feature	NOUN
easat-9950	118	30	of	of	ADP
easat-9950	118	31	the	the	DET
easat-9950	118	32	smartphone	smartphone	NOUN
easat-9950	118	33	.	.	PUNCT
easat-9950	119	1	web	web	NOUN
easat-9950	119	2	applications	application	NOUN
easat-9950	119	3	operate	operate	VERB
easat-9950	119	4	entirely	entirely	ADV
easat-9950	119	5	within	within	ADP
easat-9950	119	6	a	a	DET
easat-9950	119	7	browser	browser	NOUN
easat-9950	119	8	and	and	CCONJ
easat-9950	119	9	require	require	VERB
easat-9950	119	10	network	network	NOUN
easat-9950	119	11	connectivity	connectivity	NOUN
easat-9950	119	12	to	to	PART
easat-9950	119	13	function	function	VERB
easat-9950	119	14	.	.	PUNCT
easat-9950	120	1	hybrid	hybrid	ADJ
easat-9950	120	2	applications	application	NOUN
easat-9950	120	3	combine	combine	VERB
easat-9950	120	4	elements	element	NOUN
easat-9950	120	5	of	of	ADP
easat-9950	120	6	both	both	CCONJ
easat-9950	120	7	native	native	ADJ
easat-9950	120	8	and	and	CCONJ
easat-9950	120	9	web	web	NOUN
easat-9950	120	10	applications	application	NOUN
easat-9950	120	11	,	,	PUNCT
easat-9950	120	12	allowing	allow	VERB
easat-9950	120	13	for	for	ADP
easat-9950	120	14	crossplatform	crossplatform	NOUN
easat-9950	120	15	deployment	deployment	NOUN
easat-9950	120	16	via	via	ADP
easat-9950	120	17	web	web	NOUN
easat-9950	120	18	technologies	technology	NOUN
easat-9950	120	19	,	,	PUNCT
easat-9950	120	20	while	while	SCONJ
easat-9950	120	21	still	still	ADV
easat-9950	120	22	supporting	support	VERB
easat-9950	120	23	offline	offline	ADJ
easat-9950	120	24	mode	mode	NOUN
easat-9950	120	25	and	and	CCONJ
easat-9950	120	26	local	local	ADJ
easat-9950	120	27	file	file	NOUN
easat-9950	120	28	access	access	NOUN
easat-9950	120	29	.	.	PUNCT
easat-9950	121	1	the	the	DET
easat-9950	121	2	advent	advent	NOUN
easat-9950	121	3	of	of	ADP
easat-9950	121	4	frameworks	framework	NOUN
easat-9950	121	5	such	such	ADJ
easat-9950	121	6	as	as	ADP
easat-9950	121	7	apache	apache	PROPN
easat-9950	121	8	cordova	cordova	PROPN
easat-9950	121	9	enables	enable	VERB
easat-9950	121	10	developers	developer	NOUN
easat-9950	121	11	to	to	PART
easat-9950	121	12	create	create	VERB
easat-9950	121	13	hybrid	hybrid	ADJ
easat-9950	121	14	applications	application	NOUN
easat-9950	121	15	that	that	PRON
easat-9950	121	16	run	run	VERB
easat-9950	121	17	across	across	ADP
easat-9950	121	18	multiple	multiple	ADJ
easat-9950	121	19	platforms	platform	NOUN
easat-9950	121	20	,	,	PUNCT
easat-9950	121	21	including	include	VERB
easat-9950	121	22	android	android	PROPN
easat-9950	121	23	,	,	PUNCT
easat-9950	121	24	ios	ios	PROPN
easat-9950	121	25	,	,	PUNCT
easat-9950	121	26	and	and	CCONJ
easat-9950	121	27	windows	window	NOUN
easat-9950	121	28	.	.	PUNCT
easat-9950	122	1	since	since	SCONJ
easat-9950	122	2	the	the	DET
easat-9950	122	3	introduction	introduction	NOUN
easat-9950	122	4	of	of	ADP
easat-9950	122	5	the	the	DET
easat-9950	122	6	first	first	ADJ
easat-9950	122	7	online	online	ADJ
easat-9950	122	8	banks	bank	NOUN
easat-9950	122	9	,	,	PUNCT
easat-9950	122	10	internet	internet	NOUN
easat-9950	122	11	banking	banking	NOUN
easat-9950	122	12	has	have	AUX
easat-9950	122	13	undergone	undergo	VERB
easat-9950	122	14	significant	significant	ADJ
easat-9950	122	15	growth	growth	NOUN
easat-9950	122	16	,	,	PUNCT
easat-9950	122	17	evolving	evolve	VERB
easat-9950	122	18	into	into	ADP
easat-9950	122	19	an	an	DET
easat-9950	122	20	established	establish	VERB
easat-9950	122	21	service	service	NOUN
easat-9950	122	22	704	704	NUM
easat-9950	122	23	edelweiss	edelweiss	PROPN
easat-9950	122	24	applied	apply	VERB
easat-9950	122	25	science	science	NOUN
easat-9950	122	26	and	and	CCONJ
easat-9950	122	27	technology	technology	NOUN
easat-9950	122	28	issn	issn	PROPN
easat-9950	122	29	:	:	PUNCT
easat-9950	122	30	2576	2576	NUM
easat-9950	122	31	-	-	SYM
easat-9950	122	32	8484	8484	NUM
easat-9950	122	33	vol	vol	NOUN
easat-9950	122	34	.	.	PROPN
easat-9950	123	1	9	9	NUM
easat-9950	123	2	,	,	PUNCT
easat-9950	123	3	no	no	INTJ
easat-9950	123	4	.	.	NOUN
easat-9950	123	5	9	9	NUM
easat-9950	123	6	:	:	PUNCT
easat-9950	123	7	699	699	NUM
easat-9950	123	8	-	-	SYM
easat-9950	123	9	714	714	NUM
easat-9950	123	10	,	,	PUNCT
easat-9950	123	11	2025	2025	NUM
easat-9950	123	12	doi	doi	NOUN
easat-9950	123	13	:	:	PUNCT
easat-9950	123	14	10.55214/2576	10.55214/2576	NUM
easat-9950	123	15	-	-	SYM
easat-9950	123	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	124	1	©	©	PROPN
easat-9950	124	2	2025	2025	NUM
easat-9950	124	3	by	by	ADP
easat-9950	124	4	the	the	DET
easat-9950	124	5	authors	author	NOUN
easat-9950	124	6	;	;	PUNCT
easat-9950	124	7	licensee	licensee	PROPN
easat-9950	124	8	learning	learning	NOUN
easat-9950	124	9	gate	gate	NOUN
easat-9950	124	10	used	use	VERB
easat-9950	124	11	by	by	ADP
easat-9950	124	12	a	a	DET
easat-9950	124	13	substantial	substantial	ADJ
easat-9950	124	14	portion	portion	NOUN
easat-9950	124	15	of	of	ADP
easat-9950	124	16	the	the	DET
easat-9950	124	17	greek	greek	ADJ
easat-9950	124	18	population	population	NOUN
easat-9950	124	19	.	.	PUNCT
easat-9950	125	1	the	the	DET
easat-9950	125	2	internet	internet	NOUN
easat-9950	125	3	facilitates	facilitate	VERB
easat-9950	125	4	interactions	interaction	NOUN
easat-9950	125	5	with	with	ADP
easat-9950	125	6	financial	financial	ADJ
easat-9950	125	7	institutions	institution	NOUN
easat-9950	125	8	,	,	PUNCT
easat-9950	125	9	allowing	allow	VERB
easat-9950	125	10	users	user	NOUN
easat-9950	125	11	to	to	PART
easat-9950	125	12	conduct	conduct	VERB
easat-9950	125	13	various	various	ADJ
easat-9950	125	14	financial	financial	ADJ
easat-9950	125	15	transactions	transaction	NOUN
easat-9950	125	16	online	online	ADV
easat-9950	125	17	without	without	ADP
easat-9950	125	18	the	the	DET
easat-9950	125	19	need	need	NOUN
easat-9950	125	20	to	to	PART
easat-9950	125	21	visit	visit	VERB
easat-9950	125	22	physical	physical	ADJ
easat-9950	125	23	bank	bank	NOUN
easat-9950	125	24	locations	location	NOUN
easat-9950	125	25	.	.	PUNCT
easat-9950	126	1	greek	greek	ADJ
easat-9950	126	2	banks	bank	NOUN
easat-9950	126	3	operate	operate	VERB
easat-9950	126	4	within	within	ADP
easat-9950	126	5	a	a	DET
easat-9950	126	6	regulatory	regulatory	ADJ
easat-9950	126	7	framework	framework	NOUN
easat-9950	126	8	that	that	PRON
easat-9950	126	9	promotes	promote	VERB
easat-9950	126	10	the	the	DET
easat-9950	126	11	development	development	NOUN
easat-9950	126	12	of	of	ADP
easat-9950	126	13	online	online	ADJ
easat-9950	126	14	financial	financial	ADJ
easat-9950	126	15	services	service	NOUN
easat-9950	126	16	.	.	PUNCT
easat-9950	127	1	examples	example	NOUN
easat-9950	127	2	include	include	VERB
easat-9950	127	3	egnatia	egnatia	PROPN
easat-9950	127	4	bank	bank	PROPN
easat-9950	127	5	,	,	PUNCT
easat-9950	127	6	whose	whose	DET
easat-9950	127	7	website	website	NOUN
easat-9950	127	8	provides	provide	VERB
easat-9950	127	9	organized	organized	ADJ
easat-9950	127	10	information	information	NOUN
easat-9950	127	11	,	,	PUNCT
easat-9950	127	12	a	a	DET
easat-9950	127	13	range	range	NOUN
easat-9950	127	14	of	of	ADP
easat-9950	127	15	services	service	NOUN
easat-9950	127	16	,	,	PUNCT
easat-9950	127	17	and	and	CCONJ
easat-9950	127	18	an	an	DET
easat-9950	127	19	extensive	extensive	ADJ
easat-9950	127	20	faq	faq	NOUN
easat-9950	127	21	section	section	NOUN
easat-9950	127	22	.	.	PUNCT
easat-9950	128	1	however	however	ADV
easat-9950	128	2	,	,	PUNCT
easat-9950	128	3	inconsistencies	inconsistency	NOUN
easat-9950	128	4	between	between	ADP
easat-9950	128	5	the	the	DET
easat-9950	128	6	greek	greek	ADJ
easat-9950	128	7	and	and	CCONJ
easat-9950	128	8	english	english	ADJ
easat-9950	128	9	versions	version	NOUN
easat-9950	128	10	of	of	ADP
easat-9950	128	11	the	the	DET
easat-9950	128	12	site	site	NOUN
easat-9950	128	13	and	and	CCONJ
easat-9950	128	14	the	the	DET
easat-9950	128	15	limited	limited	ADJ
easat-9950	128	16	availability	availability	NOUN
easat-9950	128	17	of	of	ADP
easat-9950	128	18	online	online	ADJ
easat-9950	128	19	services	service	NOUN
easat-9950	128	20	in	in	ADP
easat-9950	128	21	english	english	PROPN
easat-9950	128	22	are	be	AUX
easat-9950	128	23	noted	note	VERB
easat-9950	128	24	[	[	X
easat-9950	128	25	1	1	NUM
easat-9950	128	26	]	]	PUNCT
easat-9950	128	27	.	.	PUNCT
easat-9950	129	1	4.2	4.2	NUM
easat-9950	129	2	.	.	PUNCT
easat-9950	129	3	user	user	NOUN
easat-9950	129	4	experience	experience	NOUN
easat-9950	129	5	considerations	consideration	NOUN
easat-9950	129	6	user	user	NOUN
easat-9950	129	7	experience	experience	NOUN
easat-9950	129	8	represents	represent	VERB
easat-9950	129	9	the	the	DET
easat-9950	129	10	synthesis	synthesis	NOUN
easat-9950	129	11	of	of	ADP
easat-9950	129	12	all	all	DET
easat-9950	129	13	elements	element	NOUN
easat-9950	129	14	comprising	comprise	VERB
easat-9950	129	15	the	the	DET
easat-9950	129	16	online	online	ADJ
easat-9950	129	17	banking	banking	NOUN
easat-9950	129	18	journey	journey	NOUN
easat-9950	129	19	,	,	PUNCT
easat-9950	129	20	encompassing	encompass	VERB
easat-9950	129	21	variables	variable	NOUN
easat-9950	129	22	such	such	ADJ
easat-9950	129	23	as	as	ADP
easat-9950	129	24	network	network	NOUN
easat-9950	129	25	capabilities	capability	NOUN
easat-9950	129	26	,	,	PUNCT
easat-9950	129	27	content	content	NOUN
easat-9950	129	28	relevance	relevance	NOUN
easat-9950	129	29	,	,	PUNCT
easat-9950	129	30	device	device	NOUN
easat-9950	129	31	performance	performance	NOUN
easat-9950	129	32	,	,	PUNCT
easat-9950	129	33	and	and	CCONJ
easat-9950	129	34	individual	individual	ADJ
easat-9950	129	35	user	user	NOUN
easat-9950	129	36	attributes	attribute	VERB
easat-9950	129	37	.	.	PUNCT
easat-9950	130	1	the	the	DET
easat-9950	130	2	intensity	intensity	NOUN
easat-9950	130	3	and	and	CCONJ
easat-9950	130	4	nature	nature	NOUN
easat-9950	130	5	of	of	ADP
easat-9950	130	6	these	these	DET
easat-9950	130	7	interactions	interaction	NOUN
easat-9950	130	8	influence	influence	NOUN
easat-9950	130	9	design	design	NOUN
easat-9950	130	10	decisions	decision	NOUN
easat-9950	130	11	,	,	PUNCT
easat-9950	130	12	shaping	shape	VERB
easat-9950	130	13	interfaces	interface	NOUN
easat-9950	130	14	that	that	PRON
easat-9950	130	15	strive	strive	VERB
easat-9950	130	16	for	for	ADP
easat-9950	130	17	intuitive	intuitive	ADJ
easat-9950	130	18	operation	operation	NOUN
easat-9950	130	19	and	and	CCONJ
easat-9950	130	20	efficiency	efficiency	NOUN
easat-9950	130	21	.	.	PUNCT
easat-9950	131	1	despite	despite	SCONJ
easat-9950	131	2	substantial	substantial	ADJ
easat-9950	131	3	advancements	advancement	NOUN
easat-9950	131	4	,	,	PUNCT
easat-9950	131	5	internet	internet	NOUN
easat-9950	131	6	banking	banking	NOUN
easat-9950	131	7	often	often	ADV
easat-9950	131	8	falls	fall	VERB
easat-9950	131	9	short	short	ADV
easat-9950	131	10	of	of	ADP
easat-9950	131	11	fully	fully	ADV
easat-9950	131	12	aligning	align	VERB
easat-9950	131	13	with	with	ADP
easat-9950	131	14	the	the	DET
easat-9950	131	15	intricate	intricate	ADJ
easat-9950	131	16	and	and	CCONJ
easat-9950	131	17	evolving	evolve	VERB
easat-9950	131	18	preferences	preference	NOUN
easat-9950	131	19	of	of	ADP
easat-9950	131	20	its	its	PRON
easat-9950	131	21	diverse	diverse	ADJ
easat-9950	131	22	user	user	NOUN
easat-9950	131	23	base	base	NOUN
easat-9950	131	24	.	.	PUNCT
easat-9950	132	1	successful	successful	ADJ
easat-9950	132	2	online	online	ADJ
easat-9950	132	3	banking	banking	NOUN
easat-9950	132	4	implementations	implementation	NOUN
easat-9950	132	5	transcend	transcend	VERB
easat-9950	132	6	technological	technological	ADJ
easat-9950	132	7	prowess	prowess	NOUN
easat-9950	132	8	,	,	PUNCT
easat-9950	132	9	embedding	embed	VERB
easat-9950	132	10	themselves	themselves	PRON
easat-9950	132	11	within	within	ADP
easat-9950	132	12	the	the	DET
easat-9950	132	13	quotidian	quotidian	ADJ
easat-9950	132	14	habits	habit	NOUN
easat-9950	132	15	of	of	ADP
easat-9950	132	16	customers	customer	NOUN
easat-9950	132	17	and	and	CCONJ
easat-9950	132	18	revealing	reveal	VERB
easat-9950	132	19	unforeseen	unforeseen	ADJ
easat-9950	132	20	functional	functional	ADJ
easat-9950	132	21	requirements	requirement	NOUN
easat-9950	132	22	in	in	ADP
easat-9950	132	23	the	the	DET
easat-9950	132	24	process	process	NOUN
easat-9950	132	25	.	.	PUNCT
easat-9950	133	1	essential	essential	ADJ
easat-9950	133	2	to	to	ADP
easat-9950	133	3	this	this	DET
easat-9950	133	4	accomplishment	accomplishment	NOUN
easat-9950	133	5	are	be	AUX
easat-9950	133	6	adaptable	adaptable	ADJ
easat-9950	133	7	platforms	platform	NOUN
easat-9950	133	8	and	and	CCONJ
easat-9950	133	9	services	service	NOUN
easat-9950	133	10	capable	capable	ADJ
easat-9950	133	11	of	of	ADP
easat-9950	133	12	accommodating	accommodate	VERB
easat-9950	133	13	temporal	temporal	ADJ
easat-9950	133	14	variations	variation	NOUN
easat-9950	133	15	in	in	ADP
easat-9950	133	16	usage	usage	NOUN
easat-9950	133	17	,	,	PUNCT
easat-9950	133	18	seasonal	seasonal	ADJ
easat-9950	133	19	fluctuations	fluctuation	NOUN
easat-9950	133	20	,	,	PUNCT
easat-9950	133	21	and	and	CCONJ
easat-9950	133	22	the	the	DET
easat-9950	133	23	heterogeneous	heterogeneous	ADJ
easat-9950	133	24	behaviors	behavior	NOUN
easat-9950	133	25	of	of	ADP
easat-9950	133	26	the	the	DET
easat-9950	133	27	clientele	clientele	NOUN
easat-9950	134	1	[	[	X
easat-9950	134	2	1	1	NUM
easat-9950	134	3	]	]	PUNCT
easat-9950	134	4	.	.	PUNCT
easat-9950	135	1	the	the	DET
easat-9950	135	2	challenge	challenge	NOUN
easat-9950	135	3	of	of	ADP
easat-9950	135	4	reconciling	reconcile	VERB
easat-9950	135	5	diverse	diverse	ADJ
easat-9950	135	6	objectives	objective	NOUN
easat-9950	135	7	,	,	PUNCT
easat-9950	135	8	user	user	NOUN
easat-9950	135	9	behaviors	behavior	NOUN
easat-9950	135	10	,	,	PUNCT
easat-9950	135	11	and	and	CCONJ
easat-9950	135	12	available	available	ADJ
easat-9950	135	13	technologies	technology	NOUN
easat-9950	135	14	underscores	underscore	VERB
easat-9950	135	15	the	the	DET
easat-9950	135	16	pivotal	pivotal	ADJ
easat-9950	135	17	role	role	NOUN
easat-9950	135	18	of	of	ADP
easat-9950	135	19	user	user	NOUN
easat-9950	135	20	experience	experience	NOUN
easat-9950	135	21	as	as	ADP
easat-9950	135	22	a	a	DET
easat-9950	135	23	strategic	strategic	ADJ
easat-9950	135	24	linchpin	linchpin	NOUN
easat-9950	135	25	;	;	PUNCT
easat-9950	135	26	its	its	PRON
easat-9950	135	27	absence	absence	NOUN
easat-9950	135	28	constitutes	constitute	VERB
easat-9950	135	29	a	a	DET
easat-9950	135	30	principal	principal	ADJ
easat-9950	135	31	source	source	NOUN
easat-9950	135	32	of	of	ADP
easat-9950	135	33	business	business	NOUN
easat-9950	135	34	risk	risk	NOUN
easat-9950	135	35	.	.	PUNCT
easat-9950	136	1	addressing	address	VERB
easat-9950	136	2	this	this	DET
easat-9950	136	3	complexity	complexity	NOUN
easat-9950	136	4	necessitates	necessitate	VERB
easat-9950	136	5	a	a	DET
easat-9950	136	6	foundational	foundational	ADJ
easat-9950	136	7	textual	textual	ADJ
easat-9950	136	8	framework	framework	NOUN
easat-9950	136	9	that	that	PRON
easat-9950	136	10	not	not	PART
easat-9950	136	11	only	only	ADV
easat-9950	136	12	facilitates	facilitate	VERB
easat-9950	136	13	technical	technical	ADJ
easat-9950	136	14	communication	communication	NOUN
easat-9950	136	15	but	but	CCONJ
easat-9950	136	16	also	also	ADV
easat-9950	136	17	guides	guide	VERB
easat-9950	136	18	the	the	DET
easat-9950	136	19	design	design	NOUN
easat-9950	136	20	of	of	ADP
easat-9950	136	21	interfaces	interface	NOUN
easat-9950	136	22	and	and	CCONJ
easat-9950	136	23	information	information	NOUN
easat-9950	136	24	architectures	architecture	NOUN
easat-9950	136	25	.	.	PUNCT
easat-9950	137	1	for	for	ADP
easat-9950	137	2	greek	greek	ADJ
easat-9950	137	3	enterprises	enterprise	NOUN
easat-9950	137	4	,	,	PUNCT
easat-9950	137	5	the	the	DET
easat-9950	137	6	integration	integration	NOUN
easat-9950	137	7	of	of	ADP
easat-9950	137	8	mobile	mobile	ADJ
easat-9950	137	9	applications	application	NOUN
easat-9950	137	10	with	with	ADP
easat-9950	137	11	internet	internet	NOUN
easat-9950	137	12	banking	banking	NOUN
easat-9950	137	13	systems	system	NOUN
easat-9950	137	14	magnifies	magnify	VERB
easat-9950	137	15	these	these	DET
easat-9950	137	16	considerations	consideration	NOUN
easat-9950	137	17	.	.	PUNCT
easat-9950	138	1	the	the	DET
easat-9950	138	2	deployment	deployment	NOUN
easat-9950	138	3	of	of	ADP
easat-9950	138	4	mobile	mobile	ADJ
easat-9950	138	5	,	,	PUNCT
easat-9950	138	6	accessible	accessible	ADJ
easat-9950	138	7	,	,	PUNCT
easat-9950	138	8	and	and	CCONJ
easat-9950	138	9	autonomous	autonomous	ADJ
easat-9950	138	10	services	service	NOUN
easat-9950	138	11	introduces	introduce	VERB
easat-9950	138	12	additional	additional	ADJ
easat-9950	138	13	technical	technical	ADJ
easat-9950	138	14	components	component	NOUN
easat-9950	138	15	and	and	CCONJ
easat-9950	138	16	channels	channel	NOUN
easat-9950	138	17	for	for	ADP
easat-9950	138	18	user	user	NOUN
easat-9950	138	19	access	access	NOUN
easat-9950	138	20	,	,	PUNCT
easat-9950	138	21	thereby	thereby	ADV
easat-9950	138	22	complicating	complicate	VERB
easat-9950	138	23	the	the	DET
easat-9950	138	24	task	task	NOUN
easat-9950	138	25	of	of	ADP
easat-9950	138	26	delivering	deliver	VERB
easat-9950	138	27	a	a	DET
easat-9950	138	28	cohesive	cohesive	ADJ
easat-9950	138	29	and	and	CCONJ
easat-9950	138	30	satisfying	satisfying	ADJ
easat-9950	138	31	experience	experience	NOUN
easat-9950	138	32	.	.	PUNCT
easat-9950	139	1	successfully	successfully	ADV
easat-9950	139	2	harnessing	harness	VERB
easat-9950	139	3	the	the	DET
easat-9950	139	4	potential	potential	ADJ
easat-9950	139	5	benefits	benefit	NOUN
easat-9950	139	6	of	of	ADP
easat-9950	139	7	such	such	ADJ
easat-9950	139	8	synergy	synergy	NOUN
easat-9950	139	9	demands	demand	VERB
easat-9950	139	10	a	a	DET
easat-9950	139	11	nuanced	nuanced	ADJ
easat-9950	139	12	appreciation	appreciation	NOUN
easat-9950	139	13	of	of	ADP
easat-9950	139	14	the	the	DET
easat-9950	139	15	multifaceted	multifaceted	ADJ
easat-9950	139	16	influences	influence	NOUN
easat-9950	139	17	on	on	ADP
easat-9950	139	18	user	user	NOUN
easat-9950	139	19	interactions	interaction	NOUN
easat-9950	139	20	,	,	PUNCT
easat-9950	139	21	informed	inform	VERB
easat-9950	139	22	by	by	ADP
easat-9950	139	23	both	both	DET
easat-9950	139	24	empirical	empirical	ADJ
easat-9950	139	25	evidence	evidence	NOUN
easat-9950	139	26	and	and	CCONJ
easat-9950	139	27	strategic	strategic	ADJ
easat-9950	139	28	foresight	foresight	NOUN
easat-9950	139	29	.	.	PUNCT
easat-9950	140	1	5	5	X
easat-9950	140	2	.	.	X
easat-9950	140	3	challenges	challenge	NOUN
easat-9950	140	4	faced	face	VERB
easat-9950	140	5	by	by	ADP
easat-9950	140	6	greek	greek	ADJ
easat-9950	140	7	enterprises	enterprise	NOUN
easat-9950	140	8	security	security	NOUN
easat-9950	140	9	,	,	PUNCT
easat-9950	140	10	regulatory	regulatory	ADJ
easat-9950	140	11	compliance	compliance	NOUN
easat-9950	140	12	,	,	PUNCT
easat-9950	140	13	and	and	CCONJ
easat-9950	140	14	adoption	adoption	NOUN
easat-9950	140	15	comprise	comprise	VERB
easat-9950	140	16	the	the	DET
easat-9950	140	17	principal	principal	ADJ
easat-9950	140	18	problems	problem	NOUN
easat-9950	140	19	encumbering	encumber	VERB
easat-9950	140	20	mobile	mobile	ADJ
easat-9950	140	21	banking	banking	NOUN
easat-9950	140	22	in	in	ADP
easat-9950	140	23	greece	greece	PROPN
easat-9950	141	1	[	[	X
easat-9950	141	2	1	1	NUM
easat-9950	141	3	]	]	PUNCT
easat-9950	141	4	.	.	PUNCT
easat-9950	142	1	the	the	DET
easat-9950	142	2	assurance	assurance	NOUN
easat-9950	142	3	of	of	ADP
easat-9950	142	4	confidentiality	confidentiality	NOUN
easat-9950	142	5	,	,	PUNCT
easat-9950	142	6	authentication	authentication	NOUN
easat-9950	142	7	,	,	PUNCT
easat-9950	142	8	and	and	CCONJ
easat-9950	142	9	non	non	ADJ
easat-9950	142	10	-	-	NOUN
easat-9950	142	11	repudiation	repudiation	NOUN
easat-9950	142	12	constitutes	constitute	VERB
easat-9950	142	13	the	the	DET
easat-9950	142	14	cornerstone	cornerstone	NOUN
easat-9950	142	15	of	of	ADP
easat-9950	142	16	mobile	mobile	ADJ
easat-9950	142	17	banking	banking	NOUN
easat-9950	142	18	.	.	PUNCT
easat-9950	143	1	customers	customer	NOUN
easat-9950	143	2	must	must	AUX
easat-9950	143	3	be	be	AUX
easat-9950	143	4	certain	certain	ADJ
easat-9950	143	5	that	that	SCONJ
easat-9950	143	6	they	they	PRON
easat-9950	143	7	will	will	AUX
easat-9950	143	8	not	not	PART
easat-9950	143	9	be	be	AUX
easat-9950	143	10	defrauded	defraud	VERB
easat-9950	143	11	of	of	ADP
easat-9950	143	12	money	money	NOUN
easat-9950	143	13	and	and	CCONJ
easat-9950	143	14	that	that	SCONJ
easat-9950	143	15	their	their	PRON
easat-9950	143	16	spending	spending	NOUN
easat-9950	143	17	records	record	NOUN
easat-9950	143	18	remain	remain	VERB
easat-9950	143	19	inaccessible	inaccessible	ADJ
easat-9950	143	20	to	to	ADP
easat-9950	143	21	third	third	ADJ
easat-9950	143	22	parties	party	NOUN
easat-9950	143	23	.	.	PUNCT
easat-9950	144	1	the	the	DET
easat-9950	144	2	establishment	establishment	NOUN
easat-9950	144	3	of	of	ADP
easat-9950	144	4	trust	trust	NOUN
easat-9950	144	5	,	,	PUNCT
easat-9950	144	6	moreover	moreover	ADV
easat-9950	144	7	,	,	PUNCT
easat-9950	144	8	constitutes	constitute	VERB
easat-9950	144	9	a	a	DET
easat-9950	144	10	prerequisite	prerequisite	NOUN
easat-9950	144	11	to	to	ADP
easat-9950	144	12	the	the	DET
easat-9950	144	13	adoption	adoption	NOUN
easat-9950	144	14	of	of	ADP
easat-9950	144	15	mobile	mobile	ADJ
easat-9950	144	16	banking	banking	NOUN
easat-9950	144	17	.	.	PUNCT
easat-9950	145	1	only	only	ADV
easat-9950	145	2	through	through	ADP
easat-9950	145	3	trust	trust	NOUN
easat-9950	145	4	can	can	AUX
easat-9950	145	5	customers	customer	NOUN
easat-9950	145	6	be	be	AUX
easat-9950	145	7	persuaded	persuade	VERB
easat-9950	145	8	to	to	PART
easat-9950	145	9	utilize	utilize	VERB
easat-9950	145	10	mobile	mobile	ADJ
easat-9950	145	11	-	-	PUNCT
easat-9950	145	12	banking	banking	NOUN
easat-9950	145	13	services	service	NOUN
easat-9950	145	14	on	on	ADP
easat-9950	145	15	a	a	DET
easat-9950	145	16	regular	regular	ADJ
easat-9950	145	17	basis	basis	NOUN
easat-9950	145	18	.	.	PUNCT
easat-9950	146	1	enhancement	enhancement	NOUN
easat-9950	146	2	of	of	ADP
easat-9950	146	3	the	the	DET
easat-9950	146	4	security	security	NOUN
easat-9950	146	5	architecture	architecture	NOUN
easat-9950	146	6	on	on	ADP
easat-9950	146	7	the	the	DET
easat-9950	146	8	mobile	mobile	ADJ
easat-9950	146	9	-	-	PUNCT
easat-9950	146	10	access	access	NOUN
easat-9950	146	11	side	side	NOUN
easat-9950	146	12	thus	thus	ADV
easat-9950	146	13	constitutes	constitute	VERB
easat-9950	146	14	a	a	DET
easat-9950	146	15	sine	sine	ADJ
easat-9950	146	16	qua	qua	NOUN
easat-9950	146	17	non	non	ADJ
easat-9950	146	18	condition	condition	NOUN
easat-9950	146	19	if	if	SCONJ
easat-9950	146	20	mobile	mobile	ADJ
easat-9950	146	21	banking	banking	NOUN
easat-9950	146	22	is	be	AUX
easat-9950	146	23	to	to	PART
easat-9950	146	24	flourish	flourish	VERB
easat-9950	146	25	in	in	ADP
easat-9950	146	26	greece	greece	PROPN
easat-9950	146	27	.	.	PUNCT
easat-9950	147	1	the	the	DET
easat-9950	147	2	enactment	enactment	NOUN
easat-9950	147	3	of	of	ADP
easat-9950	147	4	the	the	DET
easat-9950	147	5	law	law	NOUN
easat-9950	147	6	3421/2005	3421/2005	NUM
easat-9950	147	7	reflects	reflect	VERB
easat-9950	147	8	the	the	DET
easat-9950	147	9	legal	legal	ADJ
easat-9950	147	10	enactment	enactment	NOUN
easat-9950	147	11	of	of	ADP
easat-9950	147	12	the	the	DET
easat-9950	147	13	relevant	relevant	ADJ
easat-9950	147	14	european	european	ADJ
easat-9950	147	15	directive	directive	NOUN
easat-9950	147	16	concerning	concern	VERB
easat-9950	147	17	mobile	mobile	ADJ
easat-9950	147	18	services	service	NOUN
easat-9950	147	19	accessible	accessible	ADJ
easat-9950	147	20	through	through	ADP
easat-9950	147	21	public	public	ADJ
easat-9950	147	22	electroniccommunication	electroniccommunication	NOUN
easat-9950	147	23	networks	network	NOUN
easat-9950	147	24	offering	offer	VERB
easat-9950	147	25	publicly	publicly	ADV
easat-9950	147	26	available	available	ADJ
easat-9950	147	27	telephone	telephone	NOUN
easat-9950	147	28	services	service	NOUN
easat-9950	147	29	.	.	PUNCT
easat-9950	148	1	innovativeness	innovativeness	NOUN
easat-9950	148	2	in	in	ADP
easat-9950	148	3	mobile	mobile	ADJ
easat-9950	148	4	banking	banking	NOUN
easat-9950	148	5	represents	represent	VERB
easat-9950	148	6	a	a	DET
easat-9950	148	7	further	further	ADJ
easat-9950	148	8	indispensable	indispensable	ADJ
easat-9950	148	9	prerequisite	prerequisite	NOUN
easat-9950	148	10	.	.	PUNCT
easat-9950	149	1	creative	creative	ADJ
easat-9950	149	2	banks	bank	NOUN
easat-9950	149	3	that	that	PRON
easat-9950	149	4	invest	invest	VERB
easat-9950	149	5	in	in	ADP
easat-9950	149	6	services	service	NOUN
easat-9950	149	7	extended	extend	VERB
easat-9950	149	8	through	through	ADP
easat-9950	149	9	diverse	diverse	ADJ
easat-9950	149	10	channels	channel	NOUN
easat-9950	149	11	enjoy	enjoy	VERB
easat-9950	149	12	a	a	DET
easat-9950	149	13	considerable	considerable	ADJ
easat-9950	149	14	advantage	advantage	NOUN
easat-9950	149	15	in	in	ADP
easat-9950	149	16	the	the	DET
easat-9950	149	17	banking	banking	NOUN
easat-9950	149	18	sector	sector	NOUN
easat-9950	149	19	and	and	CCONJ
easat-9950	149	20	can	can	AUX
easat-9950	149	21	attract	attract	VERB
easat-9950	149	22	a	a	DET
easat-9950	149	23	larger	large	ADJ
easat-9950	149	24	clientele	clientele	NOUN
easat-9950	149	25	.	.	PUNCT
easat-9950	150	1	initiatives	initiative	NOUN
easat-9950	150	2	such	such	ADJ
easat-9950	150	3	as	as	ADP
easat-9950	150	4	cashing	cash	VERB
easat-9950	150	5	checks	check	NOUN
easat-9950	150	6	and	and	CCONJ
easat-9950	150	7	depositing	deposit	VERB
easat-9950	150	8	crypto	crypto	NOUN
easat-9950	150	9	-	-	NOUN
easat-9950	150	10	money	money	NOUN
easat-9950	150	11	through	through	ADP
easat-9950	150	12	digital	digital	ADJ
easat-9950	150	13	cameras	camera	NOUN
easat-9950	150	14	implemented	implement	VERB
easat-9950	150	15	in	in	ADP
easat-9950	150	16	mobile	mobile	ADJ
easat-9950	150	17	telephony	telephony	NOUN
easat-9950	150	18	constitute	constitute	VERB
easat-9950	150	19	potential	potential	ADJ
easat-9950	150	20	avenues	avenue	NOUN
easat-9950	150	21	of	of	ADP
easat-9950	150	22	development	development	NOUN
easat-9950	150	23	.	.	PUNCT
easat-9950	151	1	greek	greek	ADJ
easat-9950	151	2	banks	bank	NOUN
easat-9950	151	3	should	should	AUX
easat-9950	151	4	therefore	therefore	ADV
easat-9950	151	5	seek	seek	VERB
easat-9950	151	6	to	to	PART
easat-9950	151	7	exploit	exploit	VERB
easat-9950	151	8	the	the	DET
easat-9950	151	9	power	power	NOUN
easat-9950	151	10	of	of	ADP
easat-9950	151	11	mobile	mobile	ADJ
easat-9950	151	12	technology	technology	NOUN
easat-9950	151	13	to	to	PART
easat-9950	151	14	provide	provide	VERB
easat-9950	151	15	innovative	innovative	ADJ
easat-9950	151	16	services	service	NOUN
easat-9950	151	17	and	and	CCONJ
easat-9950	151	18	differentiate	differentiate	VERB
easat-9950	151	19	themselves	themselves	PRON
easat-9950	151	20	from	from	ADP
easat-9950	151	21	the	the	DET
easat-9950	151	22	competition	competition	NOUN
easat-9950	151	23	.	.	PUNCT
easat-9950	152	1	the	the	DET
easat-9950	152	2	satisfaction	satisfaction	NOUN
easat-9950	152	3	of	of	ADP
easat-9950	152	4	regulatory	regulatory	ADJ
easat-9950	152	5	requirements	requirement	NOUN
easat-9950	152	6	also	also	ADV
easat-9950	152	7	constitutes	constitute	VERB
easat-9950	152	8	an	an	DET
easat-9950	152	9	ongoing	ongoing	ADJ
easat-9950	152	10	challenge	challenge	NOUN
easat-9950	152	11	in	in	ADP
easat-9950	152	12	the	the	DET
easat-9950	152	13	development	development	NOUN
easat-9950	152	14	of	of	ADP
easat-9950	152	15	internet	internet	NOUN
easat-9950	152	16	banking	banking	NOUN
easat-9950	152	17	appropriate	appropriate	ADJ
easat-9950	152	18	for	for	ADP
easat-9950	152	19	the	the	DET
easat-9950	152	20	greek	greek	ADJ
easat-9950	152	21	environment	environment	NOUN
easat-9950	152	22	.	.	PUNCT
easat-9950	153	1	the	the	DET
easat-9950	153	2	rules	rule	NOUN
easat-9950	153	3	of	of	ADP
easat-9950	153	4	conduct	conduct	NOUN
easat-9950	153	5	introduced	introduce	VERB
easat-9950	153	6	because	because	SCONJ
easat-9950	153	7	of	of	ADP
easat-9950	153	8	the	the	DET
easat-9950	153	9	directive	directive	NOUN
easat-9950	153	10	and	and	CCONJ
easat-9950	153	11	transposed	transpose	VERB
easat-9950	153	12	into	into	ADP
easat-9950	153	13	greek	greek	ADJ
easat-9950	153	14	legislation	legislation	NOUN
easat-9950	153	15	define	define	VERB
easat-9950	153	16	the	the	DET
easat-9950	153	17	didactic	didactic	ADJ
easat-9950	153	18	pedestal	pedestal	NOUN
easat-9950	153	19	upon	upon	SCONJ
easat-9950	153	20	which	which	PRON
easat-9950	153	21	enterprises	enterprise	NOUN
easat-9950	153	22	may	may	AUX
easat-9950	153	23	develop	develop	VERB
easat-9950	153	24	the	the	DET
easat-9950	153	25	organizational	organizational	ADJ
easat-9950	153	26	framework	framework	NOUN
easat-9950	153	27	and	and	CCONJ
easat-9950	153	28	governance	governance	NOUN
easat-9950	153	29	system	system	NOUN
easat-9950	153	30	through	through	ADP
easat-9950	153	31	705	705	NUM
easat-9950	153	32	edelweiss	edelweiss	PROPN
easat-9950	153	33	applied	apply	VERB
easat-9950	153	34	science	science	NOUN
easat-9950	153	35	and	and	CCONJ
easat-9950	153	36	technology	technology	NOUN
easat-9950	153	37	issn	issn	PROPN
easat-9950	153	38	:	:	PUNCT
easat-9950	153	39	2576	2576	NUM
easat-9950	153	40	-	-	SYM
easat-9950	153	41	8484	8484	NUM
easat-9950	153	42	vol	vol	NOUN
easat-9950	153	43	.	.	PROPN
easat-9950	154	1	9	9	NUM
easat-9950	154	2	,	,	PUNCT
easat-9950	154	3	no	no	INTJ
easat-9950	154	4	.	.	NOUN
easat-9950	154	5	9	9	NUM
easat-9950	154	6	:	:	PUNCT
easat-9950	154	7	699	699	NUM
easat-9950	154	8	-	-	SYM
easat-9950	154	9	714	714	NUM
easat-9950	154	10	,	,	PUNCT
easat-9950	154	11	2025	2025	NUM
easat-9950	154	12	doi	doi	NOUN
easat-9950	154	13	:	:	PUNCT
easat-9950	154	14	10.55214/2576	10.55214/2576	NUM
easat-9950	154	15	-	-	SYM
easat-9950	154	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	155	1	©	©	PROPN
easat-9950	155	2	2025	2025	NUM
easat-9950	155	3	by	by	ADP
easat-9950	155	4	the	the	DET
easat-9950	155	5	authors	author	NOUN
easat-9950	155	6	;	;	PUNCT
easat-9950	155	7	licensee	licensee	PROPN
easat-9950	155	8	learning	learning	NOUN
easat-9950	155	9	gate	gate	NOUN
easat-9950	155	10	which	which	PRON
easat-9950	155	11	they	they	PRON
easat-9950	155	12	extend	extend	VERB
easat-9950	155	13	e	e	NOUN
easat-9950	155	14	-	-	NOUN
easat-9950	155	15	services	service	NOUN
easat-9950	155	16	to	to	ADP
easat-9950	155	17	the	the	DET
easat-9950	155	18	customer	customer	NOUN
easat-9950	155	19	.	.	PUNCT
easat-9950	156	1	although	although	SCONJ
easat-9950	156	2	these	these	DET
easat-9950	156	3	provisions	provision	NOUN
easat-9950	156	4	have	have	AUX
easat-9950	156	5	been	be	AUX
easat-9950	156	6	clearly	clearly	ADV
easat-9950	156	7	stated	state	VERB
easat-9950	156	8	,	,	PUNCT
easat-9950	156	9	they	they	PRON
easat-9950	156	10	nevertheless	nevertheless	ADV
easat-9950	156	11	require	require	VERB
easat-9950	156	12	further	far	ADV
easat-9950	156	13	detailing	detail	VERB
easat-9950	156	14	before	before	SCONJ
easat-9950	156	15	the	the	DET
easat-9950	156	16	legislative	legislative	ADJ
easat-9950	156	17	framework	framework	NOUN
easat-9950	156	18	attains	attain	VERB
easat-9950	156	19	completion	completion	NOUN
easat-9950	156	20	.	.	PUNCT
easat-9950	157	1	the	the	DET
easat-9950	157	2	basel	basel	PROPN
easat-9950	157	3	committee	committee	PROPN
easat-9950	157	4	,	,	PUNCT
easat-9950	157	5	the	the	DET
easat-9950	157	6	european	european	PROPN
easat-9950	157	7	central	central	PROPN
easat-9950	157	8	bank	bank	PROPN
easat-9950	157	9	,	,	PUNCT
easat-9950	157	10	and	and	CCONJ
easat-9950	157	11	the	the	DET
easat-9950	157	12	bank	bank	NOUN
easat-9950	157	13	of	of	ADP
easat-9950	157	14	england	england	PROPN
easat-9950	157	15	have	have	AUX
easat-9950	157	16	already	already	ADV
easat-9950	157	17	formulated	formulate	VERB
easat-9950	157	18	directions	direction	NOUN
easat-9950	157	19	for	for	ADP
easat-9950	157	20	the	the	DET
easat-9950	157	21	implementation	implementation	NOUN
easat-9950	157	22	of	of	ADP
easat-9950	157	23	internet	internet	NOUN
easat-9950	157	24	banking	banking	NOUN
easat-9950	157	25	;	;	PUNCT
easat-9950	157	26	similar	similar	ADJ
easat-9950	157	27	guidance	guidance	NOUN
easat-9950	157	28	would	would	AUX
easat-9950	157	29	substantially	substantially	ADV
easat-9950	157	30	mitigate	mitigate	VERB
easat-9950	157	31	the	the	DET
easat-9950	157	32	operational	operational	ADJ
easat-9950	157	33	hazards	hazard	NOUN
easat-9950	157	34	that	that	PRON
easat-9950	157	35	enterprises	enterprise	NOUN
easat-9950	157	36	encounter	encounter	VERB
easat-9950	157	37	as	as	SCONJ
easat-9950	157	38	they	they	PRON
easat-9950	157	39	attempt	attempt	VERB
easat-9950	157	40	to	to	PART
easat-9950	157	41	absorb	absorb	VERB
easat-9950	157	42	and	and	CCONJ
easat-9950	157	43	comply	comply	VERB
easat-9950	157	44	with	with	ADP
easat-9950	157	45	the	the	DET
easat-9950	157	46	transitional	transitional	ADJ
easat-9950	157	47	provisions	provision	NOUN
easat-9950	157	48	of	of	ADP
easat-9950	157	49	the	the	DET
easat-9950	157	50	directive	directive	NOUN
easat-9950	157	51	and	and	CCONJ
easat-9950	157	52	the	the	DET
easat-9950	157	53	law	law	NOUN
easat-9950	157	54	.	.	PUNCT
easat-9950	158	1	finally	finally	ADV
easat-9950	158	2	,	,	PUNCT
easat-9950	158	3	firms	firm	NOUN
easat-9950	158	4	must	must	AUX
easat-9950	158	5	address	address	VERB
easat-9950	158	6	issues	issue	NOUN
easat-9950	158	7	related	relate	VERB
easat-9950	158	8	to	to	ADP
easat-9950	158	9	the	the	DET
easat-9950	158	10	deployment	deployment	NOUN
easat-9950	158	11	and	and	CCONJ
easat-9950	158	12	exploitation	exploitation	NOUN
easat-9950	158	13	of	of	ADP
easat-9950	158	14	the	the	DET
easat-9950	158	15	infrastructure	infrastructure	NOUN
easat-9950	158	16	by	by	ADP
easat-9950	158	17	which	which	PRON
easat-9950	158	18	they	they	PRON
easat-9950	158	19	realize	realize	VERB
easat-9950	158	20	the	the	DET
easat-9950	158	21	benefits	benefit	NOUN
easat-9950	158	22	of	of	ADP
easat-9950	158	23	transportation	transportation	NOUN
easat-9950	158	24	,	,	PUNCT
easat-9950	158	25	distribution	distribution	NOUN
easat-9950	158	26	,	,	PUNCT
easat-9950	158	27	and	and	CCONJ
easat-9950	158	28	communication	communication	NOUN
easat-9950	158	29	that	that	SCONJ
easat-9950	158	30	the	the	DET
easat-9950	158	31	truth	truth	NOUN
easat-9950	158	32	of	of	ADP
easat-9950	158	33	their	their	PRON
easat-9950	158	34	digital	digital	ADJ
easat-9950	158	35	transformation	transformation	NOUN
easat-9950	158	36	confers	confer	NOUN
easat-9950	158	37	.	.	PUNCT
easat-9950	159	1	the	the	DET
easat-9950	159	2	successful	successful	ADJ
easat-9950	159	3	exploitation	exploitation	NOUN
easat-9950	159	4	of	of	ADP
easat-9950	159	5	digital	digital	ADJ
easat-9950	159	6	channels	channel	NOUN
easat-9950	159	7	impels	impel	VERB
easat-9950	159	8	top	top	ADJ
easat-9950	159	9	management	management	NOUN
easat-9950	159	10	to	to	PART
easat-9950	159	11	pursue	pursue	VERB
easat-9950	159	12	a	a	DET
easat-9950	159	13	new	new	ADJ
easat-9950	159	14	understanding	understanding	NOUN
easat-9950	159	15	of	of	ADP
easat-9950	159	16	inter	inter	ADJ
easat-9950	159	17	-	-	ADJ
easat-9950	159	18	organizational	organizational	ADJ
easat-9950	159	19	systems	system	NOUN
easat-9950	159	20	,	,	PUNCT
easat-9950	159	21	engaging	engage	VERB
easat-9950	159	22	a	a	DET
easat-9950	159	23	diverse	diverse	ADJ
easat-9950	159	24	range	range	NOUN
easat-9950	159	25	of	of	ADP
easat-9950	159	26	technologies	technology	NOUN
easat-9950	159	27	by	by	ADP
easat-9950	159	28	means	mean	NOUN
easat-9950	159	29	of	of	ADP
easat-9950	159	30	which	which	PRON
easat-9950	159	31	the	the	DET
easat-9950	159	32	enterprise	enterprise	NOUN
easat-9950	159	33	may	may	AUX
easat-9950	159	34	disseminate	disseminate	VERB
easat-9950	159	35	its	its	PRON
easat-9950	159	36	value	value	NOUN
easat-9950	159	37	to	to	ADP
easat-9950	159	38	a	a	DET
easat-9950	159	39	great	great	ADJ
easat-9950	159	40	number	number	NOUN
easat-9950	159	41	of	of	ADP
easat-9950	159	42	customer	customer	NOUN
easat-9950	159	43	segments	segment	NOUN
easat-9950	159	44	,	,	PUNCT
easat-9950	159	45	each	each	PRON
easat-9950	159	46	characterized	characterize	VERB
easat-9950	159	47	by	by	ADP
easat-9950	159	48	specific	specific	ADJ
easat-9950	159	49	requirements	requirement	NOUN
easat-9950	159	50	and	and	CCONJ
easat-9950	159	51	expectations	expectation	NOUN
easat-9950	159	52	if	if	SCONJ
easat-9950	159	53	it	it	PRON
easat-9950	159	54	is	be	AUX
easat-9950	159	55	to	to	PART
easat-9950	159	56	appreciate	appreciate	VERB
easat-9950	159	57	such	such	ADJ
easat-9950	159	58	value	value	NOUN
easat-9950	159	59	fully	fully	ADV
easat-9950	159	60	.	.	PUNCT
easat-9950	160	1	5.1	5.1	NUM
easat-9950	160	2	.	.	PUNCT
easat-9950	161	1	security	security	NOUN
easat-9950	161	2	concerns	concern	NOUN
easat-9950	161	3	security	security	NOUN
easat-9950	161	4	remains	remain	VERB
easat-9950	161	5	the	the	DET
easat-9950	161	6	primary	primary	ADJ
easat-9950	161	7	concern	concern	NOUN
easat-9950	161	8	when	when	SCONJ
easat-9950	161	9	employing	employ	VERB
easat-9950	161	10	mobile	mobile	ADJ
easat-9950	161	11	applications	application	NOUN
easat-9950	161	12	to	to	PART
easat-9950	161	13	access	access	VERB
easat-9950	161	14	internet	internet	NOUN
easat-9950	161	15	banking	banking	NOUN
easat-9950	161	16	services	service	NOUN
easat-9950	161	17	in	in	ADP
easat-9950	161	18	greece	greece	PROPN
easat-9950	161	19	.	.	PUNCT
easat-9950	162	1	mobile	mobile	ADJ
easat-9950	162	2	banking	banking	NOUN
easat-9950	162	3	has	have	AUX
easat-9950	162	4	not	not	PART
easat-9950	162	5	yet	yet	ADV
easat-9950	162	6	become	become	VERB
easat-9950	162	7	commonplace	commonplace	ADJ
easat-9950	162	8	because	because	SCONJ
easat-9950	162	9	many	many	ADJ
easat-9950	162	10	perceive	perceive	ADJ
easat-9950	162	11	handheld	handheld	NOUN
easat-9950	162	12	devices	device	NOUN
easat-9950	162	13	as	as	ADP
easat-9950	162	14	unsafe	unsafe	ADJ
easat-9950	162	15	platforms	platform	NOUN
easat-9950	162	16	for	for	ADP
easat-9950	162	17	banking	banking	NOUN
easat-9950	162	18	operations	operation	NOUN
easat-9950	163	1	[	[	X
easat-9950	163	2	1	1	NUM
easat-9950	163	3	]	]	PUNCT
easat-9950	163	4	.	.	PUNCT
easat-9950	164	1	mobile	mobile	ADJ
easat-9950	164	2	applications	application	NOUN
easat-9950	164	3	offer	offer	VERB
easat-9950	164	4	convenience	convenience	NOUN
easat-9950	164	5	and	and	CCONJ
easat-9950	164	6	efficiency	efficiency	NOUN
easat-9950	164	7	,	,	PUNCT
easat-9950	164	8	negating	negate	VERB
easat-9950	164	9	the	the	DET
easat-9950	164	10	need	need	NOUN
easat-9950	164	11	to	to	PART
easat-9950	164	12	visit	visit	VERB
easat-9950	164	13	bank	bank	NOUN
easat-9950	164	14	branches	branch	NOUN
easat-9950	164	15	or	or	CCONJ
easat-9950	164	16	carry	carry	VERB
easat-9950	164	17	passbooks	passbook	NOUN
easat-9950	164	18	.	.	PUNCT
easat-9950	165	1	users	user	NOUN
easat-9950	165	2	can	can	AUX
easat-9950	165	3	monitor	monitor	VERB
easat-9950	165	4	transactions	transaction	NOUN
easat-9950	165	5	,	,	PUNCT
easat-9950	165	6	transfer	transfer	NOUN
easat-9950	165	7	funds	fund	NOUN
easat-9950	165	8	,	,	PUNCT
easat-9950	165	9	and	and	CCONJ
easat-9950	165	10	pay	pay	VERB
easat-9950	165	11	bills	bill	NOUN
easat-9950	165	12	easily	easily	ADV
easat-9950	165	13	through	through	ADP
easat-9950	165	14	their	their	PRON
easat-9950	165	15	mobile	mobile	ADJ
easat-9950	165	16	phones	phone	NOUN
easat-9950	165	17	.	.	PUNCT
easat-9950	166	1	although	although	SCONJ
easat-9950	166	2	financial	financial	ADJ
easat-9950	166	3	institutions	institution	NOUN
easat-9950	166	4	monitor	monitor	VERB
easat-9950	166	5	transactions	transaction	NOUN
easat-9950	166	6	and	and	CCONJ
easat-9950	166	7	promptly	promptly	ADV
easat-9950	166	8	notify	notify	VERB
easat-9950	166	9	account	account	NOUN
easat-9950	166	10	holders	holder	NOUN
easat-9950	166	11	of	of	ADP
easat-9950	166	12	suspicious	suspicious	ADJ
easat-9950	166	13	activity	activity	NOUN
easat-9950	166	14	by	by	ADP
easat-9950	166	15	,	,	PUNCT
easat-9950	166	16	for	for	ADP
easat-9950	166	17	example	example	NOUN
easat-9950	166	18	,	,	PUNCT
easat-9950	166	19	imposing	impose	VERB
easat-9950	166	20	daily	daily	ADJ
easat-9950	166	21	transfer	transfer	NOUN
easat-9950	166	22	limits	limit	NOUN
easat-9950	166	23	,	,	PUNCT
easat-9950	166	24	the	the	DET
easat-9950	166	25	absence	absence	NOUN
easat-9950	166	26	of	of	ADP
easat-9950	166	27	a	a	DET
easat-9950	166	28	single	single	ADJ
easat-9950	166	29	security	security	NOUN
easat-9950	166	30	standard	standard	NOUN
easat-9950	166	31	for	for	ADP
easat-9950	166	32	internet	internet	NOUN
easat-9950	166	33	banking	banking	NOUN
easat-9950	166	34	services	service	NOUN
easat-9950	166	35	deters	deter	VERB
easat-9950	166	36	widespread	widespread	ADJ
easat-9950	166	37	adoption	adoption	NOUN
easat-9950	166	38	.	.	PUNCT
easat-9950	167	1	moreover	moreover	ADV
easat-9950	167	2	,	,	PUNCT
easat-9950	167	3	regulatory	regulatory	ADJ
easat-9950	167	4	authorities	authority	NOUN
easat-9950	167	5	demand	demand	VERB
easat-9950	167	6	information	information	NOUN
easat-9950	167	7	to	to	PART
easat-9950	167	8	verify	verify	VERB
easat-9950	167	9	that	that	SCONJ
easat-9950	167	10	technology	technology	NOUN
easat-9950	167	11	permits	permit	VERB
easat-9950	167	12	only	only	ADV
easat-9950	167	13	accessible	accessible	ADJ
easat-9950	167	14	functionality	functionality	NOUN
easat-9950	167	15	in	in	ADP
easat-9950	167	16	the	the	DET
easat-9950	167	17	customer	customer	NOUN
easat-9950	167	18	’s	’s	PART
easat-9950	167	19	name	name	NOUN
easat-9950	167	20	.	.	PUNCT
easat-9950	168	1	from	from	ADP
easat-9950	168	2	a	a	DET
easat-9950	168	3	user	user	NOUN
easat-9950	168	4	perspective	perspective	NOUN
easat-9950	168	5	,	,	PUNCT
easat-9950	168	6	devices	device	NOUN
easat-9950	168	7	are	be	AUX
easat-9950	168	8	vulnerable	vulnerable	ADJ
easat-9950	168	9	to	to	ADP
easat-9950	168	10	loss	loss	NOUN
easat-9950	168	11	or	or	CCONJ
easat-9950	168	12	theft	theft	NOUN
easat-9950	168	13	,	,	PUNCT
easat-9950	168	14	and	and	CCONJ
easat-9950	168	15	managing	manage	VERB
easat-9950	168	16	multiple	multiple	ADJ
easat-9950	168	17	account	account	NOUN
easat-9950	168	18	contacts	contact	NOUN
easat-9950	168	19	can	can	AUX
easat-9950	168	20	be	be	AUX
easat-9950	168	21	obstructed	obstruct	VERB
easat-9950	168	22	by	by	ADP
easat-9950	168	23	limited	limited	ADJ
easat-9950	168	24	screen	screen	NOUN
easat-9950	168	25	size	size	NOUN
easat-9950	168	26	.	.	PUNCT
easat-9950	169	1	despite	despite	SCONJ
easat-9950	169	2	these	these	DET
easat-9950	169	3	challenges	challenge	NOUN
easat-9950	169	4	,	,	PUNCT
easat-9950	169	5	the	the	DET
easat-9950	169	6	adoption	adoption	NOUN
easat-9950	169	7	of	of	ADP
easat-9950	169	8	mobile	mobile	ADJ
easat-9950	169	9	browsers	browser	NOUN
easat-9950	169	10	on	on	ADP
easat-9950	169	11	uplink	uplink	VERB
easat-9950	169	12	speed	speed	NOUN
easat-9950	169	13	-	-	PUNCT
easat-9950	169	14	enhanced	enhance	VERB
easat-9950	169	15	thirdgeneration	thirdgeneration	NOUN
easat-9950	169	16	networks	network	NOUN
easat-9950	169	17	has	have	AUX
easat-9950	169	18	expanded	expand	VERB
easat-9950	169	19	the	the	DET
easat-9950	169	20	range	range	NOUN
easat-9950	169	21	of	of	ADP
easat-9950	169	22	mobile	mobile	ADJ
easat-9950	169	23	internet	internet	NOUN
easat-9950	169	24	banking	banking	NOUN
easat-9950	169	25	services	service	NOUN
easat-9950	169	26	and	and	CCONJ
easat-9950	169	27	widened	widen	VERB
easat-9950	169	28	the	the	DET
easat-9950	169	29	potential	potential	ADJ
easat-9950	169	30	user	user	NOUN
easat-9950	169	31	base	base	NOUN
easat-9950	169	32	.	.	PUNCT
easat-9950	170	1	the	the	DET
easat-9950	170	2	capability	capability	NOUN
easat-9950	170	3	to	to	PART
easat-9950	170	4	access	access	VERB
easat-9950	170	5	banking	banking	NOUN
easat-9950	170	6	services	service	NOUN
easat-9950	170	7	from	from	ADP
easat-9950	170	8	anywhere	anywhere	ADV
easat-9950	170	9	at	at	ADP
easat-9950	170	10	any	any	DET
easat-9950	170	11	time	time	NOUN
easat-9950	170	12	,	,	PUNCT
easat-9950	170	13	independent	independent	ADJ
easat-9950	170	14	of	of	ADP
easat-9950	170	15	language	language	NOUN
easat-9950	170	16	restrictions	restriction	NOUN
easat-9950	170	17	,	,	PUNCT
easat-9950	170	18	makes	make	VERB
easat-9950	170	19	mobile	mobile	ADJ
easat-9950	170	20	commerce	commerce	NOUN
easat-9950	170	21	solutions	solution	NOUN
easat-9950	170	22	an	an	DET
easat-9950	170	23	ideal	ideal	ADJ
easat-9950	170	24	choice	choice	NOUN
easat-9950	170	25	for	for	ADP
easat-9950	170	26	broadening	broaden	VERB
easat-9950	170	27	the	the	DET
easat-9950	170	28	sector	sector	NOUN
easat-9950	170	29	’s	’s	PART
easat-9950	170	30	reach	reach	NOUN
easat-9950	170	31	in	in	ADP
easat-9950	170	32	greece	greece	PROPN
easat-9950	170	33	.	.	PUNCT
easat-9950	171	1	5.2	5.2	NUM
easat-9950	171	2	.	.	PUNCT
easat-9950	172	1	regulatory	regulatory	ADJ
easat-9950	172	2	compliance	compliance	NOUN
easat-9950	172	3	the	the	DET
easat-9950	172	4	most	most	ADV
easat-9950	172	5	important	important	ADJ
easat-9950	172	6	law	law	NOUN
easat-9950	172	7	in	in	ADP
easat-9950	172	8	the	the	DET
easat-9950	172	9	banking	banking	NOUN
easat-9950	172	10	sector	sector	NOUN
easat-9950	172	11	is	be	AUX
easat-9950	172	12	newsletter	newsletter	NOUN
easat-9950	172	13	241	241	NUM
easat-9950	172	14	/	/	SYM
easat-9950	172	15	16	16	NUM
easat-9950	172	16	-	-	PUNCT
easat-9950	172	17	9	9	NUM
easat-9950	172	18	-	-	NUM
easat-9950	172	19	2005	2005	NUM
easat-9950	172	20	[	[	X
easat-9950	172	21	3	3	NUM
easat-9950	172	22	]	]	PUNCT
easat-9950	172	23	of	of	ADP
easat-9950	172	24	the	the	DET
easat-9950	172	25	bank	bank	NOUN
easat-9950	172	26	of	of	ADP
easat-9950	172	27	greece	greece	PROPN
easat-9950	172	28	which	which	PRON
easat-9950	172	29	deals	deal	VERB
easat-9950	172	30	with	with	ADP
easat-9950	172	31	the	the	DET
easat-9950	172	32	provision	provision	NOUN
easat-9950	172	33	of	of	ADP
easat-9950	172	34	information	information	NOUN
easat-9950	172	35	services	service	NOUN
easat-9950	172	36	to	to	ADP
easat-9950	172	37	the	the	DET
easat-9950	172	38	public	public	NOUN
easat-9950	172	39	.	.	PUNCT
easat-9950	173	1	despite	despite	SCONJ
easat-9950	173	2	the	the	DET
easat-9950	173	3	fact	fact	NOUN
easat-9950	173	4	that	that	SCONJ
easat-9950	173	5	internet	internet	NOUN
easat-9950	173	6	banking	banking	NOUN
easat-9950	173	7	does	do	AUX
easat-9950	173	8	not	not	PART
easat-9950	173	9	harbor	harbor	VERB
easat-9950	173	10	a	a	DET
easat-9950	173	11	direct	direct	ADJ
easat-9950	173	12	risk	risk	NOUN
easat-9950	173	13	in	in	ADP
easat-9950	173	14	financial	financial	ADJ
easat-9950	173	15	terms	term	NOUN
easat-9950	173	16	for	for	ADP
easat-9950	173	17	domestic	domestic	ADJ
easat-9950	173	18	banks	bank	NOUN
easat-9950	173	19	,	,	PUNCT
easat-9950	173	20	there	there	PRON
easat-9950	173	21	appears	appear	VERB
easat-9950	173	22	to	to	PART
easat-9950	173	23	be	be	AUX
easat-9950	173	24	a	a	DET
easat-9950	173	25	significant	significant	ADJ
easat-9950	173	26	risk	risk	NOUN
easat-9950	173	27	for	for	ADP
easat-9950	173	28	bank	bank	NOUN
easat-9950	173	29	accounts	account	NOUN
easat-9950	173	30	,	,	PUNCT
easat-9950	173	31	personal	personal	ADJ
easat-9950	173	32	data	datum	NOUN
easat-9950	173	33	,	,	PUNCT
easat-9950	173	34	etc	etc	X
easat-9950	173	35	.	.	X
easat-9950	173	36	the	the	DET
easat-9950	173	37	complexity	complexity	NOUN
easat-9950	173	38	and	and	CCONJ
easat-9950	173	39	diversity	diversity	NOUN
easat-9950	173	40	of	of	ADP
easat-9950	173	41	services	service	NOUN
easat-9950	173	42	of	of	ADP
easat-9950	173	43	internet	internet	NOUN
easat-9950	173	44	banking	banking	NOUN
easat-9950	173	45	are	be	AUX
easat-9950	173	46	further	far	ADV
easat-9950	173	47	limited	limit	VERB
easat-9950	173	48	by	by	ADP
easat-9950	173	49	several	several	ADJ
easat-9950	173	50	restrictive	restrictive	ADJ
easat-9950	173	51	rules	rule	NOUN
easat-9950	173	52	of	of	ADP
easat-9950	173	53	the	the	DET
easat-9950	173	54	bank	bank	NOUN
easat-9950	173	55	of	of	ADP
easat-9950	173	56	greece	greece	PROPN
easat-9950	173	57	and	and	CCONJ
easat-9950	173	58	the	the	DET
easat-9950	173	59	supervisory	supervisory	ADJ
easat-9950	173	60	authorities	authority	NOUN
easat-9950	173	61	,	,	PUNCT
easat-9950	173	62	which	which	PRON
easat-9950	173	63	are	be	AUX
easat-9950	173	64	regularly	regularly	ADV
easat-9950	173	65	announced	announce	VERB
easat-9950	173	66	,	,	PUNCT
easat-9950	173	67	implemented	implement	VERB
easat-9950	173	68	,	,	PUNCT
easat-9950	173	69	and	and	CCONJ
easat-9950	173	70	enforced	enforce	VERB
easat-9950	173	71	by	by	ADP
easat-9950	173	72	the	the	DET
easat-9950	173	73	banks	bank	NOUN
easat-9950	173	74	of	of	ADP
easat-9950	173	75	greece	greece	PROPN
easat-9950	173	76	.	.	PUNCT
easat-9950	174	1	the	the	DET
easat-9950	174	2	rules	rule	NOUN
easat-9950	174	3	aim	aim	VERB
easat-9950	174	4	to	to	PART
easat-9950	174	5	take	take	VERB
easat-9950	174	6	advantage	advantage	NOUN
easat-9950	174	7	of	of	ADP
easat-9950	174	8	the	the	DET
easat-9950	174	9	capabilities	capability	NOUN
easat-9950	174	10	of	of	ADP
easat-9950	174	11	the	the	DET
easat-9950	174	12	internet	internet	NOUN
easat-9950	174	13	and	and	CCONJ
easat-9950	174	14	adapt	adapt	VERB
easat-9950	174	15	them	they	PRON
easat-9950	174	16	to	to	ADP
easat-9950	174	17	the	the	DET
easat-9950	174	18	logical	logical	ADJ
easat-9950	174	19	requirements	requirement	NOUN
easat-9950	174	20	of	of	ADP
easat-9950	174	21	a	a	DET
easat-9950	174	22	bank	bank	NOUN
easat-9950	174	23	operation	operation	NOUN
easat-9950	174	24	.	.	PUNCT
easat-9950	175	1	video	video	NOUN
easat-9950	175	2	recording	recording	NOUN
easat-9950	175	3	is	be	AUX
easat-9950	175	4	actively	actively	ADV
easat-9950	175	5	emerging	emerge	VERB
easat-9950	175	6	in	in	ADP
easat-9950	175	7	the	the	DET
easat-9950	175	8	banking	banking	NOUN
easat-9950	175	9	world	world	NOUN
easat-9950	175	10	,	,	PUNCT
easat-9950	175	11	alleviating	alleviate	VERB
easat-9950	175	12	some	some	PRON
easat-9950	175	13	of	of	ADP
easat-9950	175	14	the	the	DET
easat-9950	175	15	above	above	ADJ
easat-9950	175	16	restrictions	restriction	NOUN
easat-9950	175	17	.	.	PUNCT
easat-9950	176	1	in	in	ADP
easat-9950	176	2	addition	addition	NOUN
easat-9950	176	3	,	,	PUNCT
easat-9950	176	4	the	the	DET
easat-9950	176	5	laws	law	NOUN
easat-9950	176	6	for	for	ADP
easat-9950	176	7	the	the	DET
easat-9950	176	8	protection	protection	NOUN
easat-9950	176	9	of	of	ADP
easat-9950	176	10	customer	customer	NOUN
easat-9950	176	11	data	datum	NOUN
easat-9950	176	12	and	and	CCONJ
easat-9950	176	13	the	the	DET
easat-9950	176	14	ministry	ministry	PROPN
easat-9950	176	15	of	of	ADP
easat-9950	176	16	development	development	NOUN
easat-9950	176	17	must	must	AUX
easat-9950	176	18	be	be	AUX
easat-9950	176	19	taken	take	VERB
easat-9950	176	20	into	into	ADP
easat-9950	176	21	account	account	NOUN
easat-9950	176	22	.	.	PUNCT
easat-9950	177	1	when	when	SCONJ
easat-9950	177	2	implementing	implement	VERB
easat-9950	177	3	services	service	NOUN
easat-9950	177	4	on	on	ADP
easat-9950	177	5	banks	bank	NOUN
easat-9950	177	6	'	'	PART
easat-9950	177	7	mobile	mobile	ADJ
easat-9950	177	8	telephony	telephony	NOUN
easat-9950	177	9	platforms	platform	NOUN
easat-9950	177	10	,	,	PUNCT
easat-9950	177	11	it	it	PRON
easat-9950	177	12	must	must	AUX
easat-9950	177	13	be	be	AUX
easat-9950	177	14	taken	take	VERB
easat-9950	177	15	into	into	ADP
easat-9950	177	16	account	account	NOUN
easat-9950	177	17	that	that	SCONJ
easat-9950	177	18	although	although	SCONJ
easat-9950	177	19	greece	greece	PROPN
easat-9950	177	20	fully	fully	ADV
easat-9950	177	21	follows	follow	VERB
easat-9950	177	22	european	european	ADJ
easat-9950	177	23	legislation	legislation	NOUN
easat-9950	177	24	on	on	ADP
easat-9950	177	25	the	the	DET
easat-9950	177	26	protection	protection	NOUN
easat-9950	177	27	of	of	ADP
easat-9950	177	28	citizens	citizen	NOUN
easat-9950	177	29	from	from	ADP
easat-9950	177	30	spam	spam	NOUN
easat-9950	177	31	messages	message	NOUN
easat-9950	177	32	and	and	CCONJ
easat-9950	177	33	unsolicited	unsolicited	ADJ
easat-9950	177	34	communication	communication	NOUN
easat-9950	177	35	,	,	PUNCT
easat-9950	177	36	mobile	mobile	ADJ
easat-9950	177	37	actions	action	NOUN
easat-9950	177	38	of	of	ADP
easat-9950	177	39	greek	greek	ADJ
easat-9950	177	40	commercial	commercial	ADJ
easat-9950	177	41	banks	bank	NOUN
easat-9950	177	42	are	be	AUX
easat-9950	177	43	seen	see	VERB
easat-9950	177	44	by	by	ADP
easat-9950	177	45	the	the	DET
easat-9950	177	46	ministry	ministry	PROPN
easat-9950	177	47	of	of	ADP
easat-9950	177	48	development	development	PROPN
easat-9950	177	49	and	and	CCONJ
easat-9950	177	50	regulatory	regulatory	ADJ
easat-9950	177	51	authorities	authority	NOUN
easat-9950	177	52	as	as	ADP
easat-9950	177	53	resistance	resistance	NOUN
easat-9950	177	54	to	to	ADP
easat-9950	177	55	the	the	DET
easat-9950	177	56	advertising	advertising	NOUN
easat-9950	177	57	of	of	ADP
easat-9950	177	58	service	service	NOUN
easat-9950	177	59	products	product	NOUN
easat-9950	177	60	by	by	ADP
easat-9950	177	61	other	other	ADJ
easat-9950	177	62	competitor	competitor	NOUN
easat-9950	177	63	banks	bank	NOUN
easat-9950	177	64	and	and	CCONJ
easat-9950	177	65	as	as	ADP
easat-9950	177	66	an	an	DET
easat-9950	177	67	abuse	abuse	NOUN
easat-9950	177	68	of	of	ADP
easat-9950	177	69	their	their	PRON
easat-9950	177	70	dominant	dominant	ADJ
easat-9950	177	71	position	position	NOUN
easat-9950	177	72	in	in	ADP
easat-9950	177	73	the	the	DET
easat-9950	177	74	bp	bp	PROPN
easat-9950	177	75	market	market	NOUN
easat-9950	177	76	.	.	PUNCT
easat-9950	178	1	the	the	DET
easat-9950	178	2	services	service	NOUN
easat-9950	178	3	offered	offer	VERB
easat-9950	178	4	to	to	PART
easat-9950	178	5	bp	bp	PROPN
easat-9950	178	6	customers	customer	NOUN
easat-9950	178	7	vary	vary	VERB
easat-9950	178	8	between	between	ADP
easat-9950	178	9	the	the	DET
easat-9950	178	10	banks	bank	NOUN
easat-9950	178	11	.	.	PUNCT
easat-9950	179	1	the	the	DET
easat-9950	179	2	actions	action	NOUN
easat-9950	179	3	of	of	ADP
easat-9950	179	4	banks	bank	NOUN
easat-9950	179	5	,	,	PUNCT
easat-9950	179	6	which	which	PRON
easat-9950	179	7	are	be	AUX
easat-9950	179	8	implemented	implement	VERB
easat-9950	179	9	in	in	ADP
easat-9950	179	10	the	the	DET
easat-9950	179	11	framework	framework	NOUN
easat-9950	179	12	of	of	ADP
easat-9950	179	13	compliance	compliance	NOUN
easat-9950	179	14	with	with	ADP
easat-9950	179	15	legislation	legislation	NOUN
easat-9950	179	16	,	,	PUNCT
easat-9950	179	17	arise	arise	VERB
easat-9950	179	18	from	from	ADP
easat-9950	179	19	the	the	DET
easat-9950	179	20	input	input	NOUN
easat-9950	179	21	of	of	ADP
easat-9950	179	22	customer	customer	NOUN
easat-9950	179	23	behavior	behavior	NOUN
easat-9950	179	24	and	and	CCONJ
easat-9950	179	25	cybersecurity	cybersecurity	NOUN
easat-9950	179	26	706	706	NUM
easat-9950	179	27	edelweiss	edelweiss	PROPN
easat-9950	179	28	applied	apply	VERB
easat-9950	179	29	science	science	NOUN
easat-9950	179	30	and	and	CCONJ
easat-9950	179	31	technology	technology	NOUN
easat-9950	179	32	issn	issn	PROPN
easat-9950	179	33	:	:	PUNCT
easat-9950	179	34	2576	2576	NUM
easat-9950	179	35	-	-	SYM
easat-9950	179	36	8484	8484	NUM
easat-9950	179	37	vol	vol	NOUN
easat-9950	179	38	.	.	PROPN
easat-9950	180	1	9	9	NUM
easat-9950	180	2	,	,	PUNCT
easat-9950	180	3	no	no	INTJ
easat-9950	180	4	.	.	NOUN
easat-9950	180	5	9	9	NUM
easat-9950	180	6	:	:	PUNCT
easat-9950	180	7	699	699	NUM
easat-9950	180	8	-	-	SYM
easat-9950	180	9	714	714	NUM
easat-9950	180	10	,	,	PUNCT
easat-9950	180	11	2025	2025	NUM
easat-9950	180	12	doi	doi	NOUN
easat-9950	180	13	:	:	PUNCT
easat-9950	180	14	10.55214/2576	10.55214/2576	NUM
easat-9950	180	15	-	-	SYM
easat-9950	180	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	181	1	©	©	PROPN
easat-9950	181	2	2025	2025	NUM
easat-9950	181	3	by	by	ADP
easat-9950	181	4	the	the	DET
easat-9950	181	5	authors	author	NOUN
easat-9950	181	6	;	;	PUNCT
easat-9950	181	7	licensee	licensee	PROPN
easat-9950	181	8	learning	learn	VERB
easat-9950	181	9	gate	gate	NOUN
easat-9950	181	10	concerns	concern	NOUN
easat-9950	181	11	.	.	PUNCT
easat-9950	182	1	the	the	DET
easat-9950	182	2	complexity	complexity	NOUN
easat-9950	182	3	and	and	CCONJ
easat-9950	182	4	recent	recent	ADJ
easat-9950	182	5	development	development	NOUN
easat-9950	182	6	of	of	ADP
easat-9950	182	7	services	service	NOUN
easat-9950	182	8	currently	currently	ADV
easat-9950	182	9	limits	limit	VERB
easat-9950	182	10	the	the	DET
easat-9950	182	11	current	current	ADJ
easat-9950	182	12	use	use	NOUN
easat-9950	182	13	of	of	ADP
easat-9950	182	14	mobile	mobile	ADJ
easat-9950	182	15	banking	banking	NOUN
easat-9950	182	16	in	in	ADP
easat-9950	182	17	enterprises	enterprise	NOUN
easat-9950	182	18	.	.	PUNCT
easat-9950	183	1	5.3	5.3	NUM
easat-9950	183	2	.	.	PUNCT
easat-9950	183	3	adoption	adoption	NOUN
easat-9950	183	4	barriers	barrier	VERB
easat-9950	183	5	the	the	DET
easat-9950	183	6	mobile	mobile	NOUN
easat-9950	183	7	devices	device	NOUN
easat-9950	183	8	revolution	revolution	NOUN
easat-9950	183	9	has	have	AUX
easat-9950	183	10	drastically	drastically	ADV
easat-9950	183	11	changed	change	VERB
easat-9950	183	12	everyday	everyday	ADJ
easat-9950	183	13	communications	communication	NOUN
easat-9950	183	14	.	.	PUNCT
easat-9950	184	1	mobile	mobile	ADJ
easat-9950	184	2	phones	phone	NOUN
easat-9950	184	3	,	,	PUNCT
easat-9950	184	4	smartphones	smartphone	NOUN
easat-9950	184	5	,	,	PUNCT
easat-9950	184	6	and	and	CCONJ
easat-9950	184	7	tablet	tablet	NOUN
easat-9950	184	8	computers	computer	NOUN
easat-9950	184	9	are	be	AUX
easat-9950	184	10	no	no	ADV
easat-9950	184	11	longer	long	ADV
easat-9950	184	12	simply	simply	ADV
easat-9950	184	13	communication	communication	NOUN
easat-9950	184	14	tools	tool	NOUN
easat-9950	184	15	;	;	PUNCT
easat-9950	184	16	instead	instead	ADV
easat-9950	184	17	,	,	PUNCT
easat-9950	184	18	they	they	PRON
easat-9950	184	19	have	have	AUX
easat-9950	184	20	evolved	evolve	VERB
easat-9950	184	21	into	into	ADP
easat-9950	184	22	complex	complex	ADJ
easat-9950	184	23	devices	device	NOUN
easat-9950	184	24	supporting	support	VERB
easat-9950	184	25	additional	additional	ADJ
easat-9950	184	26	functionalities	functionality	NOUN
easat-9950	184	27	,	,	PUNCT
easat-9950	184	28	providing	provide	VERB
easat-9950	184	29	users	user	NOUN
easat-9950	184	30	the	the	DET
easat-9950	184	31	opportunity	opportunity	NOUN
easat-9950	184	32	to	to	PART
easat-9950	184	33	access	access	VERB
easat-9950	184	34	extended	extended	ADJ
easat-9950	184	35	or	or	CCONJ
easat-9950	184	36	innovative	innovative	ADJ
easat-9950	184	37	possibilities	possibility	NOUN
easat-9950	184	38	for	for	ADP
easat-9950	184	39	better	well	ADJ
easat-9950	184	40	services	service	NOUN
easat-9950	184	41	[	[	X
easat-9950	184	42	1	1	NUM
easat-9950	184	43	]	]	PUNCT
easat-9950	184	44	.	.	PUNCT
easat-9950	185	1	over	over	ADP
easat-9950	185	2	the	the	DET
easat-9950	185	3	past	past	ADJ
easat-9950	185	4	decade	decade	NOUN
easat-9950	185	5	,	,	PUNCT
easat-9950	185	6	internet	internet	NOUN
easat-9950	185	7	banking	banking	NOUN
easat-9950	185	8	has	have	AUX
easat-9950	185	9	emerged	emerge	VERB
easat-9950	185	10	as	as	ADP
easat-9950	185	11	a	a	DET
easat-9950	185	12	prominent	prominent	ADJ
easat-9950	185	13	mean	mean	NOUN
easat-9950	185	14	of	of	ADP
easat-9950	185	15	information	information	NOUN
easat-9950	185	16	delivery	delivery	NOUN
easat-9950	185	17	in	in	ADP
easat-9950	185	18	developed	develop	VERB
easat-9950	185	19	countries	country	NOUN
easat-9950	185	20	.	.	PUNCT
easat-9950	186	1	mobile	mobile	ADJ
easat-9950	186	2	banking	banking	NOUN
easat-9950	186	3	,	,	PUNCT
easat-9950	186	4	a	a	DET
easat-9950	186	5	more	more	ADV
easat-9950	186	6	recent	recent	ADJ
easat-9950	186	7	concept	concept	NOUN
easat-9950	186	8	,	,	PUNCT
easat-9950	186	9	represents	represent	VERB
easat-9950	186	10	a	a	DET
easat-9950	186	11	further	further	ADJ
easat-9950	186	12	advancement	advancement	NOUN
easat-9950	186	13	in	in	ADP
easat-9950	186	14	the	the	DET
easat-9950	186	15	digital	digital	ADJ
easat-9950	186	16	economy	economy	NOUN
easat-9950	186	17	's	's	PART
easat-9950	186	18	relationship	relationship	NOUN
easat-9950	186	19	with	with	ADP
easat-9950	186	20	information	information	NOUN
easat-9950	186	21	technologies	technology	NOUN
easat-9950	186	22	and	and	CCONJ
easat-9950	186	23	telecommunications	telecommunication	NOUN
easat-9950	186	24	[	[	X
easat-9950	186	25	4	4	NUM
easat-9950	186	26	]	]	PUNCT
easat-9950	186	27	.	.	PUNCT
easat-9950	187	1	greek	greek	ADJ
easat-9950	187	2	enterprises	enterprise	NOUN
easat-9950	187	3	encounter	encounter	VERB
easat-9950	187	4	numerous	numerous	ADJ
easat-9950	187	5	challenges	challenge	NOUN
easat-9950	187	6	in	in	ADP
easat-9950	187	7	their	their	PRON
easat-9950	187	8	effort	effort	NOUN
easat-9950	187	9	to	to	PART
easat-9950	187	10	capitalize	capitalize	VERB
easat-9950	187	11	on	on	ADP
easat-9950	187	12	existing	exist	VERB
easat-9950	187	13	and	and	CCONJ
easat-9950	187	14	emerging	emerge	VERB
easat-9950	187	15	information	information	NOUN
easat-9950	187	16	and	and	CCONJ
easat-9950	187	17	communication	communication	NOUN
easat-9950	187	18	technologies	technology	NOUN
easat-9950	187	19	.	.	PUNCT
easat-9950	188	1	as	as	SCONJ
easat-9950	188	2	customers	customer	NOUN
easat-9950	188	3	and	and	CCONJ
easat-9950	188	4	suppliers	supplier	NOUN
easat-9950	188	5	utilize	utilize	VERB
easat-9950	188	6	information	information	NOUN
easat-9950	188	7	systems	system	NOUN
easat-9950	188	8	reinventing	reinvent	VERB
easat-9950	188	9	commerce	commerce	NOUN
easat-9950	188	10	in	in	ADP
easat-9950	188	11	national	national	ADJ
easat-9950	188	12	and	and	CCONJ
easat-9950	188	13	global	global	ADJ
easat-9950	188	14	markets	market	NOUN
easat-9950	188	15	,	,	PUNCT
easat-9950	188	16	it	it	PRON
easat-9950	188	17	becomes	become	VERB
easat-9950	188	18	imperative	imperative	ADJ
easat-9950	188	19	for	for	SCONJ
easat-9950	188	20	companies	company	NOUN
easat-9950	188	21	to	to	PART
easat-9950	188	22	seek	seek	VERB
easat-9950	188	23	innovative	innovative	ADJ
easat-9950	188	24	ways	way	NOUN
easat-9950	188	25	to	to	PART
easat-9950	188	26	integrate	integrate	VERB
easat-9950	188	27	mobile	mobile	ADJ
easat-9950	188	28	applications	application	NOUN
easat-9950	188	29	with	with	ADP
easat-9950	188	30	their	their	PRON
easat-9950	188	31	internet	internet	NOUN
easat-9950	188	32	banking	banking	NOUN
easat-9950	188	33	operations	operation	NOUN
easat-9950	188	34	,	,	PUNCT
easat-9950	188	35	thereby	thereby	ADV
easat-9950	188	36	enhancing	enhance	VERB
easat-9950	188	37	value	value	NOUN
easat-9950	188	38	and	and	CCONJ
easat-9950	188	39	maintaining	maintain	VERB
easat-9950	188	40	a	a	DET
easat-9950	188	41	competitive	competitive	ADJ
easat-9950	188	42	edge	edge	NOUN
easat-9950	188	43	in	in	ADP
easat-9950	188	44	the	the	DET
easat-9950	188	45	new	new	ADJ
easat-9950	188	46	business	business	NOUN
easat-9950	188	47	paradigm	paradigm	NOUN
easat-9950	188	48	[	[	X
easat-9950	188	49	5	5	NUM
easat-9950	188	50	-	-	SYM
easat-9950	188	51	14	14	NUM
easat-9950	188	52	]	]	PUNCT
easat-9950	188	53	.	.	PUNCT
easat-9950	189	1	greek	greek	ADJ
easat-9950	189	2	enterprises	enterprise	NOUN
easat-9950	189	3	confront	confront	VERB
easat-9950	189	4	significant	significant	ADJ
easat-9950	189	5	obstacles	obstacle	NOUN
easat-9950	189	6	to	to	ADP
easat-9950	189	7	the	the	DET
easat-9950	189	8	adoption	adoption	NOUN
easat-9950	189	9	of	of	ADP
easat-9950	189	10	mobile	mobile	ADJ
easat-9950	189	11	applications	application	NOUN
easat-9950	189	12	and	and	CCONJ
easat-9950	189	13	the	the	DET
easat-9950	189	14	use	use	NOUN
easat-9950	189	15	of	of	ADP
easat-9950	189	16	internet	internet	NOUN
easat-9950	189	17	banking	banking	NOUN
easat-9950	189	18	.	.	PUNCT
easat-9950	190	1	these	these	DET
easat-9950	190	2	barriers	barrier	NOUN
easat-9950	190	3	mainly	mainly	ADV
easat-9950	190	4	stem	stem	VERB
easat-9950	190	5	from	from	ADP
easat-9950	190	6	security	security	NOUN
easat-9950	190	7	concerns	concern	NOUN
easat-9950	190	8	and	and	CCONJ
easat-9950	190	9	the	the	DET
easat-9950	190	10	need	need	NOUN
easat-9950	190	11	to	to	PART
easat-9950	190	12	adapt	adapt	VERB
easat-9950	190	13	to	to	ADP
easat-9950	190	14	a	a	DET
easat-9950	190	15	regulatory	regulatory	ADJ
easat-9950	190	16	framework	framework	NOUN
easat-9950	190	17	that	that	PRON
easat-9950	190	18	has	have	VERB
easat-9950	190	19	yet	yet	ADV
easat-9950	190	20	to	to	PART
easat-9950	190	21	achieve	achieve	VERB
easat-9950	190	22	full	full	ADJ
easat-9950	190	23	technological	technological	ADJ
easat-9950	190	24	convergence	convergence	NOUN
easat-9950	190	25	with	with	ADP
easat-9950	190	26	the	the	DET
easat-9950	190	27	capabilities	capability	NOUN
easat-9950	190	28	offered	offer	VERB
easat-9950	190	29	by	by	ADP
easat-9950	190	30	modern	modern	ADJ
easat-9950	190	31	telecommunications	telecommunication	NOUN
easat-9950	190	32	networks	network	NOUN
easat-9950	190	33	.	.	PUNCT
easat-9950	191	1	there	there	PRON
easat-9950	191	2	also	also	ADV
easat-9950	191	3	remain	remain	VERB
easat-9950	191	4	numerous	numerous	ADJ
easat-9950	191	5	adoption	adoption	NOUN
easat-9950	191	6	challenges	challenge	NOUN
easat-9950	191	7	and	and	CCONJ
easat-9950	191	8	practical	practical	ADJ
easat-9950	191	9	difficulties	difficulty	NOUN
easat-9950	191	10	for	for	ADP
easat-9950	191	11	both	both	DET
easat-9950	191	12	enterprises	enterprise	NOUN
easat-9950	191	13	and	and	CCONJ
easat-9950	191	14	users	user	NOUN
easat-9950	191	15	of	of	ADP
easat-9950	191	16	these	these	DET
easat-9950	191	17	services	service	NOUN
easat-9950	191	18	.	.	PUNCT
easat-9950	192	1	other	other	ADJ
easat-9950	192	2	constraints	constraint	NOUN
easat-9950	192	3	relate	relate	VERB
easat-9950	192	4	to	to	ADP
easat-9950	192	5	inadequate	inadequate	ADJ
easat-9950	192	6	infrastructure	infrastructure	NOUN
easat-9950	192	7	and	and	CCONJ
easat-9950	192	8	the	the	DET
easat-9950	192	9	limited	limited	ADJ
easat-9950	192	10	availability	availability	NOUN
easat-9950	192	11	of	of	ADP
easat-9950	192	12	specialized	specialized	ADJ
easat-9950	192	13	human	human	ADJ
easat-9950	192	14	resources	resource	NOUN
easat-9950	192	15	.	.	PUNCT
easat-9950	193	1	as	as	SCONJ
easat-9950	193	2	new	new	ADJ
easat-9950	193	3	information	information	NOUN
easat-9950	193	4	-	-	PUNCT
easat-9950	193	5	processing	process	VERB
easat-9950	193	6	equipment	equipment	NOUN
easat-9950	193	7	replaces	replace	VERB
easat-9950	193	8	older	old	ADJ
easat-9950	193	9	models	model	NOUN
easat-9950	193	10	,	,	PUNCT
easat-9950	193	11	companies	company	NOUN
easat-9950	193	12	should	should	AUX
easat-9950	193	13	recognize	recognize	VERB
easat-9950	193	14	it	it	PRON
easat-9950	193	15	as	as	ADP
easat-9950	193	16	an	an	DET
easat-9950	193	17	investment	investment	NOUN
easat-9950	193	18	opportunity	opportunity	NOUN
easat-9950	193	19	and	and	CCONJ
easat-9950	193	20	develop	develop	VERB
easat-9950	193	21	strategic	strategic	ADJ
easat-9950	193	22	plans	plan	NOUN
easat-9950	193	23	that	that	PRON
easat-9950	193	24	make	make	VERB
easat-9950	193	25	optimal	optimal	ADJ
easat-9950	193	26	use	use	NOUN
easat-9950	193	27	of	of	ADP
easat-9950	193	28	available	available	ADJ
easat-9950	193	29	resources	resource	NOUN
easat-9950	193	30	.	.	PUNCT
easat-9950	194	1	6	6	NUM
easat-9950	194	2	.	.	X
easat-9950	194	3	case	case	NOUN
easat-9950	194	4	studies	study	NOUN
easat-9950	194	5	of	of	ADP
easat-9950	194	6	successful	successful	ADJ
easat-9950	194	7	implementations	implementation	NOUN
easat-9950	194	8	mobile	mobile	ADJ
easat-9950	194	9	applications	application	NOUN
easat-9950	194	10	comprising	comprise	VERB
easat-9950	194	11	internet	internet	NOUN
easat-9950	194	12	banking	banking	NOUN
easat-9950	194	13	have	have	AUX
easat-9950	194	14	become	become	VERB
easat-9950	194	15	a	a	DET
easat-9950	194	16	fundamental	fundamental	ADJ
easat-9950	194	17	element	element	NOUN
easat-9950	194	18	of	of	ADP
easat-9950	194	19	enterprises	enterprise	NOUN
easat-9950	194	20	’	'	PUNCT
easat-9950	194	21	digital	digital	ADJ
easat-9950	194	22	transformation	transformation	NOUN
easat-9950	194	23	.	.	PUNCT
easat-9950	195	1	for	for	ADP
easat-9950	195	2	enterprises	enterprise	NOUN
easat-9950	195	3	combining	combine	VERB
easat-9950	195	4	mobile	mobile	ADJ
easat-9950	195	5	apps	app	NOUN
easat-9950	195	6	with	with	ADP
easat-9950	195	7	internet	internet	NOUN
easat-9950	195	8	banking	banking	NOUN
easat-9950	195	9	,	,	PUNCT
easat-9950	195	10	mobile	mobile	ADJ
easat-9950	195	11	banking	banking	NOUN
easat-9950	195	12	enables	enable	VERB
easat-9950	195	13	enhanced	enhance	VERB
easat-9950	195	14	personalization	personalization	NOUN
easat-9950	195	15	and	and	CCONJ
easat-9950	195	16	revenue	revenue	NOUN
easat-9950	195	17	growth	growth	NOUN
easat-9950	195	18	,	,	PUNCT
easat-9950	195	19	reaching	reach	VERB
easat-9950	195	20	unbanked	unbanked	ADJ
easat-9950	195	21	populations	population	NOUN
easat-9950	195	22	,	,	PUNCT
easat-9950	195	23	and	and	CCONJ
easat-9950	195	24	boosting	boost	VERB
easat-9950	195	25	liquidity	liquidity	NOUN
easat-9950	195	26	in	in	ADP
easat-9950	195	27	existing	exist	VERB
easat-9950	195	28	relationships	relationship	NOUN
easat-9950	195	29	.	.	PUNCT
easat-9950	196	1	enterprises	enterprise	NOUN
easat-9950	196	2	implementing	implement	VERB
easat-9950	196	3	mobile	mobile	ADJ
easat-9950	196	4	banking	banking	NOUN
easat-9950	196	5	worldwide	worldwide	ADV
easat-9950	196	6	are	be	AUX
easat-9950	196	7	ramping	ramp	VERB
easat-9950	196	8	up	up	ADP
easat-9950	196	9	resources	resource	NOUN
easat-9950	196	10	to	to	PART
easat-9950	196	11	build	build	VERB
easat-9950	196	12	and	and	CCONJ
easat-9950	196	13	launch	launch	VERB
easat-9950	196	14	the	the	DET
easat-9950	196	15	next	next	ADJ
easat-9950	196	16	generation	generation	NOUN
easat-9950	196	17	of	of	ADP
easat-9950	196	18	mobile	mobile	ADJ
easat-9950	196	19	apps	app	NOUN
easat-9950	196	20	that	that	PRON
easat-9950	196	21	deposit	deposit	VERB
easat-9950	196	22	money	money	NOUN
easat-9950	196	23	,	,	PUNCT
easat-9950	196	24	pay	pay	VERB
easat-9950	196	25	bills	bill	NOUN
easat-9950	196	26	,	,	PUNCT
easat-9950	196	27	and	and	CCONJ
easat-9950	196	28	deliver	deliver	VERB
easat-9950	196	29	customer	customer	NOUN
easat-9950	196	30	insights	insight	NOUN
easat-9950	196	31	.	.	PUNCT
easat-9950	197	1	for	for	ADP
easat-9950	197	2	greek	greek	ADJ
easat-9950	197	3	enterprises	enterprise	NOUN
easat-9950	197	4	,	,	PUNCT
easat-9950	197	5	mobile	mobile	ADJ
easat-9950	197	6	banking	banking	NOUN
easat-9950	197	7	application	application	NOUN
easat-9950	197	8	development	development	NOUN
easat-9950	197	9	represents	represent	VERB
easat-9950	197	10	a	a	DET
easat-9950	197	11	frontier	frontier	NOUN
easat-9950	197	12	opportunity	opportunity	NOUN
easat-9950	197	13	at	at	ADP
easat-9950	197	14	the	the	DET
easat-9950	197	15	intersection	intersection	NOUN
easat-9950	197	16	of	of	ADP
easat-9950	197	17	android	android	PROPN
easat-9950	197	18	and	and	CCONJ
easat-9950	197	19	ios	ios	PRON
easat-9950	197	20	smartphone	smartphone	NOUN
easat-9950	197	21	devices	device	NOUN
easat-9950	197	22	,	,	PUNCT
easat-9950	197	23	internet	internet	NOUN
easat-9950	197	24	banking	banking	NOUN
easat-9950	197	25	services	service	NOUN
easat-9950	197	26	,	,	PUNCT
easat-9950	197	27	and	and	CCONJ
easat-9950	197	28	ever	ever	ADV
easat-9950	197	29	-	-	PUNCT
easat-9950	197	30	evolving	evolve	VERB
easat-9950	197	31	technology	technology	NOUN
easat-9950	197	32	.	.	PUNCT
easat-9950	198	1	digital	digital	ADJ
easat-9950	198	2	banking	banking	NOUN
easat-9950	198	3	constructs	construct	VERB
easat-9950	198	4	a	a	DET
easat-9950	198	5	new	new	ADJ
easat-9950	198	6	interconnected	interconnected	ADJ
easat-9950	198	7	world	world	NOUN
easat-9950	198	8	characterized	characterize	VERB
easat-9950	198	9	by	by	ADP
easat-9950	198	10	visibility	visibility	NOUN
easat-9950	198	11	,	,	PUNCT
easat-9950	198	12	searchability	searchability	NOUN
easat-9950	198	13	,	,	PUNCT
easat-9950	198	14	selectivity	selectivity	NOUN
easat-9950	198	15	,	,	PUNCT
easat-9950	198	16	persistence	persistence	NOUN
easat-9950	198	17	,	,	PUNCT
easat-9950	198	18	and	and	CCONJ
easat-9950	198	19	combinability	combinability	NOUN
easat-9950	198	20	of	of	ADP
easat-9950	198	21	contents	content	NOUN
easat-9950	198	22	.	.	PUNCT
easat-9950	199	1	digital	digital	ADJ
easat-9950	199	2	banking	banking	NOUN
easat-9950	199	3	also	also	ADV
easat-9950	199	4	modifies	modify	VERB
easat-9950	199	5	social	social	ADJ
easat-9950	199	6	and	and	CCONJ
easat-9950	199	7	communicative	communicative	ADJ
easat-9950	199	8	behaviors	behavior	NOUN
easat-9950	199	9	on	on	ADP
easat-9950	199	10	the	the	DET
easat-9950	199	11	internet	internet	NOUN
easat-9950	199	12	by	by	ADP
easat-9950	199	13	inducing	induce	VERB
easat-9950	199	14	a	a	DET
easat-9950	199	15	constant	constant	ADJ
easat-9950	199	16	state	state	NOUN
easat-9950	199	17	of	of	ADP
easat-9950	199	18	sociability	sociability	NOUN
easat-9950	199	19	that	that	PRON
easat-9950	199	20	affects	affect	VERB
easat-9950	199	21	user	user	NOUN
easat-9950	199	22	habits	habit	NOUN
easat-9950	199	23	and	and	CCONJ
easat-9950	199	24	cultures	culture	NOUN
easat-9950	199	25	.	.	PUNCT
easat-9950	200	1	furthermore	furthermore	ADV
easat-9950	200	2	,	,	PUNCT
easat-9950	200	3	by	by	ADP
easat-9950	200	4	interconnecting	interconnect	VERB
easat-9950	200	5	online	online	ADJ
easat-9950	200	6	,	,	PUNCT
easat-9950	200	7	offline	offline	ADJ
easat-9950	200	8	,	,	PUNCT
easat-9950	200	9	and	and	CCONJ
easat-9950	200	10	mobile	mobile	NOUN
easat-9950	200	11	domains	domain	NOUN
easat-9950	200	12	,	,	PUNCT
easat-9950	200	13	digital	digital	ADJ
easat-9950	200	14	banking	banking	NOUN
easat-9950	200	15	triggers	trigger	VERB
easat-9950	200	16	convergence	convergence	NOUN
easat-9950	200	17	between	between	ADP
easat-9950	200	18	decentralized	decentralize	VERB
easat-9950	200	19	,	,	PUNCT
easat-9950	200	20	structural	structural	ADJ
easat-9950	200	21	,	,	PUNCT
easat-9950	200	22	and	and	CCONJ
easat-9950	200	23	relational	relational	ADJ
easat-9950	200	24	social	social	ADJ
easat-9950	200	25	dimensions	dimension	NOUN
easat-9950	200	26	.	.	PUNCT
easat-9950	201	1	despite	despite	SCONJ
easat-9950	201	2	the	the	DET
easat-9950	201	3	potential	potential	NOUN
easat-9950	201	4	for	for	ADP
easat-9950	201	5	“	"	PUNCT
easat-9950	201	6	digital	digital	ADJ
easat-9950	201	7	explosions	explosion	NOUN
easat-9950	201	8	”	"	PUNCT
easat-9950	201	9	to	to	PART
easat-9950	201	10	emerge	emerge	VERB
easat-9950	201	11	in	in	ADP
easat-9950	201	12	online	online	ADJ
easat-9950	201	13	social	social	ADJ
easat-9950	201	14	content	content	NOUN
easat-9950	201	15	,	,	PUNCT
easat-9950	201	16	disease	disease	NOUN
easat-9950	201	17	and	and	CCONJ
easat-9950	201	18	pandemic	pandemic	ADJ
easat-9950	201	19	threats	threat	NOUN
easat-9950	201	20	have	have	AUX
easat-9950	201	21	heightened	heighten	VERB
easat-9950	201	22	the	the	DET
easat-9950	201	23	need	need	NOUN
easat-9950	201	24	to	to	PART
easat-9950	201	25	explore	explore	VERB
easat-9950	201	26	the	the	DET
easat-9950	201	27	correlation	correlation	NOUN
easat-9950	201	28	between	between	ADP
easat-9950	201	29	digital	digital	ADJ
easat-9950	201	30	platforms	platform	NOUN
easat-9950	201	31	and	and	CCONJ
easat-9950	201	32	the	the	DET
easat-9950	201	33	real	real	ADJ
easat-9950	201	34	world	world	NOUN
easat-9950	201	35	.	.	PUNCT
easat-9950	202	1	customer	customer	NOUN
easat-9950	202	2	-	-	PUNCT
easat-9950	202	3	relationship	relationship	NOUN
easat-9950	202	4	management	management	NOUN
easat-9950	202	5	(	(	PUNCT
easat-9950	202	6	crm	crm	NOUN
easat-9950	202	7	)	)	PUNCT
easat-9950	202	8	couples	couple	NOUN
easat-9950	202	9	analytics	analytic	NOUN
easat-9950	202	10	,	,	PUNCT
easat-9950	202	11	databases	database	NOUN
easat-9950	202	12	,	,	PUNCT
easat-9950	202	13	and	and	CCONJ
easat-9950	202	14	business	business	NOUN
easat-9950	202	15	rules	rule	NOUN
easat-9950	202	16	and	and	CCONJ
easat-9950	202	17	aims	aim	VERB
easat-9950	202	18	to	to	PART
easat-9950	202	19	understand	understand	VERB
easat-9950	202	20	customer	customer	NOUN
easat-9950	202	21	behavior	behavior	NOUN
easat-9950	202	22	by	by	ADP
easat-9950	202	23	offering	offer	VERB
easat-9950	202	24	personalized	personalized	ADJ
easat-9950	202	25	products	product	NOUN
easat-9950	202	26	or	or	CCONJ
easat-9950	202	27	services	service	NOUN
easat-9950	202	28	that	that	PRON
easat-9950	202	29	enhance	enhance	VERB
easat-9950	202	30	retention	retention	NOUN
easat-9950	202	31	,	,	PUNCT
easat-9950	202	32	nurture	nurture	VERB
easat-9950	202	33	long	long	ADV
easat-9950	202	34	-	-	PUNCT
easat-9950	202	35	lasting	last	VERB
easat-9950	202	36	relationships	relationship	NOUN
easat-9950	202	37	,	,	PUNCT
easat-9950	202	38	and	and	CCONJ
easat-9950	202	39	increase	increase	VERB
easat-9950	202	40	profits	profit	NOUN
easat-9950	202	41	.	.	PUNCT
easat-9950	203	1	mobile	mobile	PROPN
easat-9950	203	2	crm	crm	PROPN
easat-9950	203	3	assumes	assume	VERB
easat-9950	203	4	increasing	increase	VERB
easat-9950	203	5	relevance	relevance	NOUN
easat-9950	203	6	,	,	PUNCT
easat-9950	203	7	as	as	SCONJ
easat-9950	203	8	digital	digital	ADJ
easat-9950	203	9	economy	economy	NOUN
easat-9950	203	10	development	development	NOUN
easat-9950	203	11	sparks	spark	VERB
easat-9950	203	12	online	online	ADJ
easat-9950	203	13	trading	trading	NOUN
easat-9950	203	14	and	and	CCONJ
easat-9950	203	15	allocates	allocate	VERB
easat-9950	203	16	additional	additional	ADJ
easat-9950	203	17	businesses	business	NOUN
easat-9950	203	18	and	and	CCONJ
easat-9950	203	19	transactions	transaction	NOUN
easat-9950	203	20	to	to	ADP
easat-9950	203	21	mobile	mobile	ADJ
easat-9950	203	22	apps	app	NOUN
easat-9950	203	23	.	.	PUNCT
easat-9950	204	1	at	at	ADP
easat-9950	204	2	present	present	ADJ
easat-9950	204	3	,	,	PUNCT
easat-9950	204	4	mobile	mobile	ADJ
easat-9950	204	5	computing	computing	NOUN
easat-9950	204	6	remains	remain	VERB
easat-9950	204	7	a	a	DET
easat-9950	204	8	major	major	ADJ
easat-9950	204	9	concern	concern	NOUN
easat-9950	204	10	in	in	ADP
easat-9950	204	11	the	the	DET
easat-9950	204	12	research	research	NOUN
easat-9950	204	13	community	community	NOUN
easat-9950	204	14	,	,	PUNCT
easat-9950	204	15	addressing	address	VERB
easat-9950	204	16	problems	problem	NOUN
easat-9950	204	17	of	of	ADP
easat-9950	204	18	bandwidth	bandwidth	ADJ
easat-9950	204	19	,	,	PUNCT
easat-9950	204	20	scalability	scalability	NOUN
easat-9950	204	21	,	,	PUNCT
easat-9950	204	22	and	and	CCONJ
easat-9950	204	23	access	access	NOUN
easat-9950	204	24	to	to	ADP
easat-9950	204	25	databases	database	NOUN
easat-9950	204	26	and	and	CCONJ
easat-9950	204	27	heterogeneous	heterogeneous	ADJ
easat-9950	204	28	data	datum	NOUN
easat-9950	204	29	resources	resource	NOUN
easat-9950	204	30	.	.	PUNCT
easat-9950	205	1	during	during	ADP
easat-9950	205	2	covid-19	covid-19	PROPN
easat-9950	205	3	,	,	PUNCT
easat-9950	205	4	the	the	DET
easat-9950	205	5	use	use	NOUN
easat-9950	205	6	of	of	ADP
easat-9950	205	7	advanced	advanced	ADJ
easat-9950	205	8	tools	tool	NOUN
easat-9950	205	9	such	such	ADJ
easat-9950	205	10	as	as	ADP
easat-9950	205	11	cloud	cloud	NOUN
easat-9950	205	12	computing	computing	NOUN
easat-9950	205	13	,	,	PUNCT
easat-9950	205	14	big	big	ADJ
easat-9950	205	15	-	-	PUNCT
easat-9950	205	16	data	data	NOUN
easat-9950	205	17	analytics	analytic	NOUN
easat-9950	205	18	,	,	PUNCT
easat-9950	205	19	virtual	virtual	ADJ
easat-9950	205	20	and	and	CCONJ
easat-9950	205	21	augmented	augment	VERB
easat-9950	205	22	reality	reality	NOUN
easat-9950	205	23	,	,	PUNCT
easat-9950	205	24	and	and	CCONJ
easat-9950	205	25	artificial	artificial	ADJ
easat-9950	205	26	intelligence	intelligence	NOUN
easat-9950	205	27	applied	apply	VERB
easat-9950	205	28	to	to	ADP
easat-9950	205	29	developing	develop	VERB
easat-9950	205	30	mobile	mobile	NOUN
easat-9950	205	31	-	-	PUNCT
easat-9950	205	32	appservices	appservice	NOUN
easat-9950	205	33	-	-	PUNCT
easat-9950	205	34	based	base	VERB
easat-9950	205	35	communities	community	NOUN
easat-9950	205	36	increased	increase	VERB
easat-9950	205	37	dramatically	dramatically	ADV
easat-9950	205	38	,	,	PUNCT
easat-9950	205	39	serving	serve	VERB
easat-9950	205	40	as	as	ADP
easat-9950	205	41	a	a	DET
easat-9950	205	42	useful	useful	ADJ
easat-9950	205	43	support	support	NOUN
easat-9950	205	44	strategy	strategy	NOUN
easat-9950	205	45	for	for	ADP
easat-9950	205	46	traditional	traditional	ADJ
easat-9950	205	47	707	707	NUM
easat-9950	205	48	edelweiss	edelweiss	PROPN
easat-9950	205	49	applied	apply	VERB
easat-9950	205	50	science	science	NOUN
easat-9950	205	51	and	and	CCONJ
easat-9950	205	52	technology	technology	NOUN
easat-9950	205	53	issn	issn	PROPN
easat-9950	205	54	:	:	PUNCT
easat-9950	205	55	2576	2576	NUM
easat-9950	205	56	-	-	SYM
easat-9950	205	57	8484	8484	NUM
easat-9950	205	58	vol	vol	NOUN
easat-9950	205	59	.	.	PROPN
easat-9950	206	1	9	9	NUM
easat-9950	206	2	,	,	PUNCT
easat-9950	206	3	no	no	INTJ
easat-9950	206	4	.	.	NOUN
easat-9950	206	5	9	9	NUM
easat-9950	206	6	:	:	PUNCT
easat-9950	206	7	699	699	NUM
easat-9950	206	8	-	-	SYM
easat-9950	206	9	714	714	NUM
easat-9950	206	10	,	,	PUNCT
easat-9950	206	11	2025	2025	NUM
easat-9950	206	12	doi	doi	NOUN
easat-9950	206	13	:	:	PUNCT
easat-9950	206	14	10.55214/2576	10.55214/2576	NUM
easat-9950	206	15	-	-	SYM
easat-9950	206	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	207	1	©	©	PROPN
easat-9950	207	2	2025	2025	NUM
easat-9950	207	3	by	by	ADP
easat-9950	207	4	the	the	DET
easat-9950	207	5	authors	author	NOUN
easat-9950	207	6	;	;	PUNCT
easat-9950	207	7	licensee	licensee	NOUN
easat-9950	207	8	learning	learn	VERB
easat-9950	207	9	gate	gate	NOUN
easat-9950	207	10	frameworks	framework	NOUN
easat-9950	207	11	and	and	CCONJ
easat-9950	207	12	proposing	propose	VERB
easat-9950	207	13	new	new	ADJ
easat-9950	207	14	business	business	NOUN
easat-9950	207	15	models	model	NOUN
easat-9950	207	16	to	to	PART
easat-9950	207	17	accelerate	accelerate	VERB
easat-9950	207	18	sustainable	sustainable	ADJ
easat-9950	207	19	development	development	NOUN
easat-9950	207	20	across	across	ADP
easat-9950	207	21	economic	economic	ADJ
easat-9950	207	22	,	,	PUNCT
easat-9950	207	23	social	social	ADJ
easat-9950	207	24	,	,	PUNCT
easat-9950	207	25	environmental	environmental	ADJ
easat-9950	207	26	,	,	PUNCT
easat-9950	207	27	and	and	CCONJ
easat-9950	207	28	energy	energy	NOUN
easat-9950	207	29	criteria	criterion	NOUN
easat-9950	207	30	[	[	X
easat-9950	207	31	1	1	NUM
easat-9950	207	32	]	]	PUNCT
easat-9950	207	33	.	.	PUNCT
easat-9950	208	1	6.1	6.1	NUM
easat-9950	208	2	.	.	PUNCT
easat-9950	208	3	case	case	NOUN
easat-9950	208	4	study	study	NOUN
easat-9950	208	5	1	1	NUM
easat-9950	208	6	:	:	PUNCT
easat-9950	208	7	a	a	DET
easat-9950	208	8	greek	greek	ADJ
easat-9950	208	9	retailer	retailer	NOUN
easat-9950	208	10	mobile	mobile	ADJ
easat-9950	208	11	applications	application	NOUN
easat-9950	208	12	have	have	AUX
easat-9950	208	13	been	be	AUX
easat-9950	208	14	changing	change	VERB
easat-9950	208	15	the	the	DET
easat-9950	208	16	way	way	NOUN
easat-9950	208	17	consumers	consumer	NOUN
easat-9950	208	18	interact	interact	VERB
easat-9950	208	19	with	with	ADP
easat-9950	208	20	businesses	business	NOUN
easat-9950	208	21	.	.	PUNCT
easat-9950	209	1	their	their	PRON
easat-9950	209	2	movable	movable	ADJ
easat-9950	209	3	and	and	CCONJ
easat-9950	209	4	easy	easy	ADJ
easat-9950	209	5	-	-	PUNCT
easat-9950	209	6	to	to	PART
easat-9950	209	7	-	-	PUNCT
easat-9950	209	8	use	use	VERB
easat-9950	209	9	nature	nature	NOUN
easat-9950	209	10	allows	allow	VERB
easat-9950	209	11	for	for	ADP
easat-9950	209	12	different	different	ADJ
easat-9950	209	13	combinations	combination	NOUN
easat-9950	209	14	of	of	ADP
easat-9950	209	15	features	feature	NOUN
easat-9950	209	16	that	that	PRON
easat-9950	209	17	contribute	contribute	VERB
easat-9950	209	18	to	to	ADP
easat-9950	209	19	the	the	DET
easat-9950	209	20	final	final	ADJ
easat-9950	209	21	user	user	NOUN
easat-9950	209	22	experience	experience	NOUN
easat-9950	209	23	.	.	PUNCT
easat-9950	210	1	companies	company	NOUN
easat-9950	210	2	that	that	PRON
easat-9950	210	3	adopt	adopt	VERB
easat-9950	210	4	mobile	mobile	ADJ
easat-9950	210	5	applications	application	NOUN
easat-9950	210	6	have	have	VERB
easat-9950	210	7	the	the	DET
easat-9950	210	8	ability	ability	NOUN
easat-9950	210	9	to	to	PART
easat-9950	210	10	offer	offer	VERB
easat-9950	210	11	their	their	PRON
easat-9950	210	12	customers	customer	NOUN
easat-9950	210	13	an	an	DET
easat-9950	210	14	efficient	efficient	ADJ
easat-9950	210	15	method	method	NOUN
easat-9950	210	16	of	of	ADP
easat-9950	210	17	communication	communication	NOUN
easat-9950	210	18	and	and	CCONJ
easat-9950	210	19	sales	sale	NOUN
easat-9950	210	20	channels	channel	NOUN
easat-9950	210	21	.	.	PUNCT
easat-9950	211	1	the	the	DET
easat-9950	211	2	case	case	NOUN
easat-9950	211	3	study	study	NOUN
easat-9950	211	4	can	can	AUX
easat-9950	211	5	demonstrate	demonstrate	VERB
easat-9950	211	6	a	a	DET
easat-9950	211	7	greek	greek	ADJ
easat-9950	211	8	retailer	retailer	NOUN
easat-9950	211	9	that	that	PRON
easat-9950	211	10	built	build	VERB
easat-9950	211	11	a	a	DET
easat-9950	211	12	mobile	mobile	ADJ
easat-9950	211	13	application	application	NOUN
easat-9950	211	14	to	to	PART
easat-9950	211	15	satisfy	satisfy	VERB
easat-9950	211	16	the	the	DET
easat-9950	211	17	growing	grow	VERB
easat-9950	211	18	demand	demand	NOUN
easat-9950	211	19	from	from	ADP
easat-9950	211	20	its	its	PRON
easat-9950	211	21	customers	customer	NOUN
easat-9950	211	22	for	for	ADP
easat-9950	211	23	wireless	wireless	ADJ
easat-9950	211	24	access	access	NOUN
easat-9950	211	25	to	to	ADP
easat-9950	211	26	company	company	NOUN
easat-9950	211	27	services	service	NOUN
easat-9950	211	28	.	.	PUNCT
easat-9950	212	1	along	along	ADP
easat-9950	212	2	with	with	ADP
easat-9950	212	3	the	the	DET
easat-9950	212	4	basic	basic	ADJ
easat-9950	212	5	functionality	functionality	NOUN
easat-9950	212	6	of	of	ADP
easat-9950	212	7	the	the	DET
easat-9950	212	8	application	application	NOUN
easat-9950	212	9	lies	lie	VERB
easat-9950	212	10	the	the	DET
easat-9950	212	11	integration	integration	NOUN
easat-9950	212	12	with	with	ADP
easat-9950	212	13	an	an	DET
easat-9950	212	14	internet	internet	NOUN
easat-9950	212	15	banking	banking	NOUN
easat-9950	212	16	platform	platform	NOUN
easat-9950	212	17	,	,	PUNCT
easat-9950	212	18	enabling	enable	VERB
easat-9950	212	19	users	user	NOUN
easat-9950	212	20	to	to	PART
easat-9950	212	21	perform	perform	VERB
easat-9950	212	22	money	money	NOUN
easat-9950	212	23	transactions	transaction	NOUN
easat-9950	212	24	and	and	CCONJ
easat-9950	212	25	interactive	interactive	ADJ
easat-9950	212	26	operations	operation	NOUN
easat-9950	212	27	using	use	VERB
easat-9950	212	28	their	their	PRON
easat-9950	212	29	business	business	NOUN
easat-9950	212	30	accounts	account	NOUN
easat-9950	212	31	.	.	PUNCT
easat-9950	213	1	the	the	DET
easat-9950	213	2	challenge	challenge	NOUN
easat-9950	213	3	for	for	ADP
easat-9950	213	4	companies	company	NOUN
easat-9950	213	5	has	have	AUX
easat-9950	213	6	become	become	VERB
easat-9950	213	7	the	the	DET
easat-9950	213	8	enhancement	enhancement	NOUN
easat-9950	213	9	of	of	ADP
easat-9950	213	10	the	the	DET
easat-9950	213	11	applications	application	NOUN
easat-9950	213	12	with	with	ADP
easat-9950	213	13	desirable	desirable	ADJ
easat-9950	213	14	content	content	NOUN
easat-9950	213	15	and	and	CCONJ
easat-9950	213	16	services	service	NOUN
easat-9950	213	17	from	from	ADP
easat-9950	213	18	their	their	PRON
easat-9950	213	19	respective	respective	ADJ
easat-9950	213	20	fields	field	NOUN
easat-9950	213	21	,	,	PUNCT
easat-9950	213	22	which	which	PRON
easat-9950	213	23	can	can	AUX
easat-9950	213	24	be	be	AUX
easat-9950	213	25	offered	offer	VERB
easat-9950	213	26	to	to	ADP
easat-9950	213	27	customers	customer	NOUN
easat-9950	213	28	as	as	ADP
easat-9950	213	29	added	add	VERB
easat-9950	213	30	-	-	PUNCT
easat-9950	213	31	value	value	NOUN
easat-9950	213	32	content	content	NOUN
easat-9950	213	33	.	.	PUNCT
easat-9950	214	1	consecutively	consecutively	ADV
easat-9950	214	2	,	,	PUNCT
easat-9950	214	3	internet	internet	NOUN
easat-9950	214	4	banking	banking	NOUN
easat-9950	214	5	providers	provider	NOUN
easat-9950	214	6	have	have	AUX
easat-9950	214	7	started	start	VERB
easat-9950	214	8	to	to	PART
easat-9950	214	9	review	review	VERB
easat-9950	214	10	alternative	alternative	ADJ
easat-9950	214	11	options	option	NOUN
easat-9950	214	12	to	to	PART
easat-9950	214	13	attract	attract	VERB
easat-9950	214	14	a	a	DET
easat-9950	214	15	wider	wide	ADJ
easat-9950	214	16	scope	scope	NOUN
easat-9950	214	17	of	of	ADP
easat-9950	214	18	customers	customer	NOUN
easat-9950	214	19	,	,	PUNCT
easat-9950	214	20	especially	especially	ADV
easat-9950	214	21	with	with	ADP
easat-9950	214	22	mobile	mobile	ADJ
easat-9950	214	23	internet	internet	NOUN
easat-9950	214	24	services	service	NOUN
easat-9950	214	25	available	available	ADJ
easat-9950	214	26	.	.	PUNCT
easat-9950	215	1	the	the	DET
easat-9950	215	2	retailers	retailer	NOUN
easat-9950	215	3	and	and	CCONJ
easat-9950	215	4	the	the	DET
easat-9950	215	5	overall	overall	ADJ
easat-9950	215	6	community	community	NOUN
easat-9950	215	7	benefit	benefit	NOUN
easat-9950	215	8	from	from	ADP
easat-9950	215	9	an	an	DET
easat-9950	215	10	extended	extended	ADJ
easat-9950	215	11	approach	approach	NOUN
easat-9950	215	12	to	to	ADP
easat-9950	215	13	completing	complete	VERB
easat-9950	215	14	business	business	NOUN
easat-9950	215	15	operations	operation	NOUN
easat-9950	215	16	.	.	PUNCT
easat-9950	216	1	mobile	mobile	ADJ
easat-9950	216	2	applications	application	NOUN
easat-9950	216	3	offer	offer	VERB
easat-9950	216	4	also	also	ADV
easat-9950	216	5	a	a	DET
easat-9950	216	6	new	new	ADJ
easat-9950	216	7	point	point	NOUN
easat-9950	216	8	for	for	SCONJ
easat-9950	216	9	internet	internet	NOUN
easat-9950	216	10	banking	banking	NOUN
easat-9950	216	11	to	to	PART
easat-9950	216	12	evolve	evolve	VERB
easat-9950	216	13	and	and	CCONJ
easat-9950	216	14	contribute	contribute	VERB
easat-9950	216	15	to	to	ADP
easat-9950	216	16	the	the	DET
easat-9950	216	17	digital	digital	ADJ
easat-9950	216	18	transformation	transformation	NOUN
easat-9950	216	19	of	of	ADP
easat-9950	216	20	the	the	DET
easat-9950	216	21	enterprises	enterprise	NOUN
easat-9950	216	22	in	in	ADP
easat-9950	216	23	greece	greece	PROPN
easat-9950	217	1	[	[	X
easat-9950	217	2	1	1	NUM
easat-9950	217	3	]	]	PUNCT
easat-9950	217	4	.	.	PUNCT
easat-9950	218	1	6.2	6.2	NUM
easat-9950	218	2	.	.	PUNCT
easat-9950	218	3	case	case	NOUN
easat-9950	218	4	study	study	NOUN
easat-9950	218	5	2	2	NUM
easat-9950	218	6	:	:	PUNCT
easat-9950	218	7	a	a	DET
easat-9950	218	8	greek	greek	ADJ
easat-9950	218	9	financial	financial	ADJ
easat-9950	218	10	institution	institution	NOUN
easat-9950	218	11	greek	greek	NOUN
easat-9950	218	12	banking	banking	NOUN
easat-9950	218	13	institutions	institution	NOUN
easat-9950	218	14	are	be	AUX
easat-9950	218	15	addressing	address	VERB
easat-9950	218	16	a	a	DET
easat-9950	218	17	growing	grow	VERB
easat-9950	218	18	demand	demand	NOUN
easat-9950	218	19	for	for	ADP
easat-9950	218	20	mobile	mobile	ADJ
easat-9950	218	21	services	service	NOUN
easat-9950	218	22	by	by	ADP
easat-9950	218	23	extending	extend	VERB
easat-9950	218	24	their	their	PRON
easat-9950	218	25	internet	internet	NOUN
easat-9950	218	26	banking	banking	NOUN
easat-9950	218	27	to	to	ADP
easat-9950	218	28	mobile	mobile	ADJ
easat-9950	218	29	applications	application	NOUN
easat-9950	218	30	;	;	PUNCT
easat-9950	218	31	these	these	DET
easat-9950	218	32	developments	development	NOUN
easat-9950	218	33	are	be	AUX
easat-9950	218	34	therefore	therefore	ADV
easat-9950	218	35	being	be	AUX
easat-9950	218	36	integrated	integrate	VERB
easat-9950	218	37	into	into	ADP
easat-9950	218	38	the	the	DET
easat-9950	218	39	internet	internet	NOUN
easat-9950	218	40	banking	banking	NOUN
easat-9950	218	41	platforms	platform	NOUN
easat-9950	218	42	developed	develop	VERB
easat-9950	218	43	according	accord	VERB
easat-9950	218	44	to	to	ADP
easat-9950	218	45	the	the	DET
easat-9950	218	46	european	european	ADJ
easat-9950	218	47	payment	payment	NOUN
easat-9950	218	48	services	service	NOUN
easat-9950	218	49	directive	directive	NOUN
easat-9950	218	50	.	.	PUNCT
easat-9950	219	1	this	this	DET
easat-9950	219	2	case	case	NOUN
easat-9950	219	3	study	study	NOUN
easat-9950	219	4	presents	present	VERB
easat-9950	219	5	the	the	DET
easat-9950	219	6	approach	approach	NOUN
easat-9950	219	7	followed	follow	VERB
easat-9950	219	8	by	by	ADP
easat-9950	219	9	a	a	DET
easat-9950	219	10	greek	greek	ADJ
easat-9950	219	11	financial	financial	ADJ
easat-9950	219	12	institution	institution	NOUN
easat-9950	219	13	for	for	ADP
easat-9950	219	14	the	the	DET
easat-9950	219	15	development	development	NOUN
easat-9950	219	16	of	of	ADP
easat-9950	219	17	its	its	PRON
easat-9950	219	18	mobile	mobile	ADJ
easat-9950	219	19	internet	internet	NOUN
easat-9950	219	20	banking	banking	NOUN
easat-9950	219	21	platform	platform	NOUN
easat-9950	219	22	[	[	X
easat-9950	219	23	1	1	NUM
easat-9950	219	24	]	]	PUNCT
easat-9950	219	25	.	.	PUNCT
easat-9950	220	1	the	the	DET
easat-9950	220	2	greek	greek	ADJ
easat-9950	220	3	financial	financial	ADJ
easat-9950	220	4	institution	institution	NOUN
easat-9950	220	5	selected	select	VERB
easat-9950	220	6	for	for	ADP
easat-9950	220	7	the	the	DET
easat-9950	220	8	case	case	NOUN
easat-9950	220	9	study	study	NOUN
easat-9950	220	10	is	be	AUX
easat-9950	220	11	a	a	DET
easat-9950	220	12	member	member	NOUN
easat-9950	220	13	of	of	ADP
easat-9950	220	14	a	a	DET
easat-9950	220	15	european	european	ADJ
easat-9950	220	16	network	network	NOUN
easat-9950	220	17	that	that	PRON
easat-9950	220	18	provides	provide	VERB
easat-9950	220	19	a	a	DET
easat-9950	220	20	leading	lead	VERB
easat-9950	220	21	payment	payment	NOUN
easat-9950	220	22	solution	solution	NOUN
easat-9950	220	23	to	to	ADP
easat-9950	220	24	18	18	NUM
easat-9950	220	25	countries	country	NOUN
easat-9950	220	26	,	,	PUNCT
easat-9950	220	27	including	include	VERB
easat-9950	220	28	greece	greece	PROPN
easat-9950	220	29	,	,	PUNCT
easat-9950	220	30	and	and	CCONJ
easat-9950	220	31	more	more	ADJ
easat-9950	220	32	than	than	ADP
easat-9950	220	33	1.3	1.3	NUM
easat-9950	220	34	million	million	NUM
easat-9950	220	35	merchants	merchant	NOUN
easat-9950	220	36	across	across	ADP
easat-9950	220	37	europe	europe	PROPN
easat-9950	220	38	.	.	PUNCT
easat-9950	221	1	to	to	PART
easat-9950	221	2	develop	develop	VERB
easat-9950	221	3	its	its	PRON
easat-9950	221	4	mobile	mobile	ADJ
easat-9950	221	5	internet	internet	NOUN
easat-9950	221	6	banking	banking	NOUN
easat-9950	221	7	platform	platform	NOUN
easat-9950	221	8	,	,	PUNCT
easat-9950	221	9	the	the	DET
easat-9950	221	10	institution	institution	NOUN
easat-9950	221	11	concerned	concern	VERB
easat-9950	221	12	the	the	DET
easat-9950	221	13	reception	reception	NOUN
easat-9950	221	14	of	of	ADP
easat-9950	221	15	authentication	authentication	NOUN
easat-9950	221	16	and	and	CCONJ
easat-9950	221	17	authorisation	authorisation	NOUN
easat-9950	221	18	requests	request	NOUN
easat-9950	221	19	from	from	ADP
easat-9950	221	20	both	both	CCONJ
easat-9950	221	21	its	its	PRON
easat-9950	221	22	own	own	ADJ
easat-9950	221	23	merchants	merchant	NOUN
easat-9950	221	24	and	and	CCONJ
easat-9950	221	25	merchants	merchant	NOUN
easat-9950	221	26	belonging	belong	VERB
easat-9950	221	27	to	to	ADP
easat-9950	221	28	the	the	DET
easat-9950	221	29	european	european	ADJ
easat-9950	221	30	network	network	NOUN
easat-9950	221	31	.	.	PUNCT
easat-9950	222	1	requests	request	NOUN
easat-9950	222	2	should	should	AUX
easat-9950	222	3	have	have	AUX
easat-9950	222	4	been	be	AUX
easat-9950	222	5	handled	handle	VERB
easat-9950	222	6	within	within	ADP
easat-9950	222	7	the	the	DET
easat-9950	222	8	context	context	NOUN
easat-9950	222	9	of	of	ADP
easat-9950	222	10	the	the	DET
easat-9950	222	11	bank	bank	NOUN
easat-9950	222	12	’s	’s	PART
easat-9950	222	13	existing	exist	VERB
easat-9950	222	14	internet	internet	NOUN
easat-9950	222	15	banking	banking	NOUN
easat-9950	222	16	infrastructure	infrastructure	NOUN
easat-9950	222	17	,	,	PUNCT
easat-9950	222	18	thereby	thereby	ADV
easat-9950	222	19	benefiting	benefit	VERB
easat-9950	222	20	from	from	ADP
easat-9950	222	21	the	the	DET
easat-9950	222	22	associated	associated	ADJ
easat-9950	222	23	payment	payment	NOUN
easat-9950	222	24	support	support	NOUN
easat-9950	222	25	process	process	NOUN
easat-9950	222	26	flows	flow	VERB
easat-9950	222	27	along	along	ADP
easat-9950	222	28	with	with	ADP
easat-9950	222	29	the	the	DET
easat-9950	222	30	available	available	ADJ
easat-9950	222	31	infrastructure	infrastructure	NOUN
easat-9950	222	32	for	for	ADP
easat-9950	222	33	demanding	demand	VERB
easat-9950	222	34	and	and	CCONJ
easat-9950	222	35	checking	check	VERB
easat-9950	222	36	financial	financial	ADJ
easat-9950	222	37	information	information	NOUN
easat-9950	222	38	.	.	PUNCT
easat-9950	223	1	the	the	DET
easat-9950	223	2	deployed	deploy	VERB
easat-9950	223	3	mobile	mobile	PROPN
easat-9950	223	4	internet	internet	NOUN
easat-9950	223	5	banking	banking	NOUN
easat-9950	223	6	platform	platform	NOUN
easat-9950	223	7	comprises	comprise	VERB
easat-9950	223	8	four	four	NUM
easat-9950	223	9	components	component	NOUN
easat-9950	223	10	:	:	PUNCT
easat-9950	223	11	the	the	DET
easat-9950	223	12	mobile	mobile	ADJ
easat-9950	223	13	internet	internet	NOUN
easat-9950	223	14	banking	banking	NOUN
easat-9950	223	15	application	application	NOUN
easat-9950	223	16	,	,	PUNCT
easat-9950	223	17	a	a	DET
easat-9950	223	18	java	java	NOUN
easat-9950	223	19	gateway	gateway	NOUN
easat-9950	223	20	for	for	ADP
easat-9950	223	21	the	the	DET
easat-9950	223	22	communication	communication	NOUN
easat-9950	223	23	with	with	ADP
easat-9950	223	24	the	the	DET
easat-9950	223	25	mobile	mobile	ADJ
easat-9950	223	26	operating	operating	NOUN
easat-9950	223	27	system	system	NOUN
easat-9950	223	28	,	,	PUNCT
easat-9950	223	29	a	a	DET
easat-9950	223	30	messaging	messaging	NOUN
easat-9950	223	31	gateway	gateway	NOUN
easat-9950	223	32	for	for	ADP
easat-9950	223	33	the	the	DET
easat-9950	223	34	communication	communication	NOUN
easat-9950	223	35	between	between	ADP
easat-9950	223	36	the	the	DET
easat-9950	223	37	java	java	PROPN
easat-9950	223	38	gateway	gateway	NOUN
easat-9950	223	39	and	and	CCONJ
easat-9950	223	40	the	the	DET
easat-9950	223	41	bank	bank	NOUN
easat-9950	223	42	’s	’s	PART
easat-9950	223	43	messaging	message	VERB
easat-9950	223	44	system	system	NOUN
easat-9950	223	45	,	,	PUNCT
easat-9950	223	46	and	and	CCONJ
easat-9950	223	47	the	the	DET
easat-9950	223	48	bank	bank	NOUN
easat-9950	223	49	’s	’s	PART
easat-9950	223	50	existing	exist	VERB
easat-9950	223	51	internet	internet	NOUN
easat-9950	223	52	banking	banking	NOUN
easat-9950	223	53	infrastructure	infrastructure	NOUN
easat-9950	223	54	.	.	PUNCT
easat-9950	224	1	the	the	DET
easat-9950	224	2	mobile	mobile	PROPN
easat-9950	224	3	internet	internet	NOUN
easat-9950	224	4	banking	banking	NOUN
easat-9950	224	5	application	application	NOUN
easat-9950	224	6	exchanges	exchange	VERB
easat-9950	224	7	messages	message	NOUN
easat-9950	224	8	with	with	ADP
easat-9950	224	9	the	the	DET
easat-9950	224	10	bank	bank	NOUN
easat-9950	224	11	’s	’s	PART
easat-9950	224	12	infrastructure	infrastructure	NOUN
easat-9950	224	13	through	through	ADP
easat-9950	224	14	the	the	DET
easat-9950	224	15	java	java	NOUN
easat-9950	224	16	and	and	CCONJ
easat-9950	224	17	messaging	message	VERB
easat-9950	224	18	gateways	gateway	NOUN
easat-9950	224	19	.	.	PUNCT
easat-9950	225	1	the	the	DET
easat-9950	225	2	same	same	ADJ
easat-9950	225	3	communication	communication	NOUN
easat-9950	225	4	process	process	NOUN
easat-9950	225	5	is	be	AUX
easat-9950	225	6	followed	follow	VERB
easat-9950	225	7	by	by	ADP
easat-9950	225	8	the	the	DET
easat-9950	225	9	bank	bank	NOUN
easat-9950	225	10	infrastructure	infrastructure	NOUN
easat-9950	225	11	for	for	ADP
easat-9950	225	12	exchanging	exchange	VERB
easat-9950	225	13	messages	message	NOUN
easat-9950	225	14	with	with	ADP
easat-9950	225	15	the	the	DET
easat-9950	225	16	client	client	NOUN
easat-9950	225	17	’s	’s	PART
easat-9950	225	18	browser	browser	NOUN
easat-9950	225	19	during	during	ADP
easat-9950	225	20	internet	internet	NOUN
easat-9950	225	21	banking	banking	NOUN
easat-9950	225	22	.	.	PUNCT
easat-9950	226	1	developer	developer	NOUN
easat-9950	226	2	effort	effort	NOUN
easat-9950	226	3	focuses	focus	VERB
easat-9950	226	4	on	on	ADP
easat-9950	226	5	the	the	DET
easat-9950	226	6	development	development	NOUN
easat-9950	226	7	of	of	ADP
easat-9950	226	8	an	an	DET
easat-9950	226	9	application	application	NOUN
easat-9950	226	10	running	run	VERB
easat-9950	226	11	on	on	ADP
easat-9950	226	12	the	the	DET
easat-9950	226	13	mobile	mobile	ADJ
easat-9950	226	14	phone	phone	NOUN
easat-9950	226	15	,	,	PUNCT
easat-9950	226	16	with	with	ADP
easat-9950	226	17	the	the	DET
easat-9950	226	18	gateways	gateway	NOUN
easat-9950	226	19	implemented	implement	VERB
easat-9950	226	20	by	by	ADP
easat-9950	226	21	the	the	DET
easat-9950	226	22	financial	financial	ADJ
easat-9950	226	23	institution	institution	NOUN
easat-9950	226	24	.	.	PUNCT
easat-9950	227	1	7	7	X
easat-9950	227	2	.	.	X
easat-9950	227	3	future	future	ADJ
easat-9950	227	4	trends	trend	NOUN
easat-9950	227	5	in	in	ADP
easat-9950	227	6	mobile	mobile	ADJ
easat-9950	227	7	banking	banking	NOUN
easat-9950	227	8	the	the	DET
easat-9950	227	9	rapid	rapid	ADJ
easat-9950	227	10	evolution	evolution	NOUN
easat-9950	227	11	of	of	ADP
easat-9950	227	12	mobile	mobile	ADJ
easat-9950	227	13	banking	banking	NOUN
easat-9950	227	14	is	be	AUX
easat-9950	227	15	transforming	transform	VERB
easat-9950	227	16	the	the	DET
easat-9950	227	17	banking	banking	NOUN
easat-9950	227	18	sector	sector	NOUN
easat-9950	227	19	and	and	CCONJ
easat-9950	227	20	related	related	ADJ
easat-9950	227	21	services	service	NOUN
easat-9950	227	22	.	.	PUNCT
easat-9950	228	1	innovation	innovation	NOUN
easat-9950	228	2	and	and	CCONJ
easat-9950	228	3	user	user	NOUN
easat-9950	228	4	engagement	engagement	NOUN
easat-9950	228	5	decide	decide	VERB
easat-9950	228	6	the	the	DET
easat-9950	228	7	success	success	NOUN
easat-9950	228	8	of	of	ADP
easat-9950	228	9	mobile	mobile	ADJ
easat-9950	228	10	initiatives	initiative	NOUN
easat-9950	228	11	,	,	PUNCT
easat-9950	228	12	especially	especially	ADV
easat-9950	228	13	in	in	ADP
easat-9950	228	14	digital	digital	ADJ
easat-9950	228	15	banking	banking	NOUN
easat-9950	228	16	,	,	PUNCT
easat-9950	228	17	internet	internet	NOUN
easat-9950	228	18	banking	banking	NOUN
easat-9950	228	19	,	,	PUNCT
easat-9950	228	20	and	and	CCONJ
easat-9950	228	21	mobile	mobile	ADJ
easat-9950	228	22	applications	application	NOUN
easat-9950	228	23	intended	intend	VERB
easat-9950	228	24	to	to	PART
easat-9950	228	25	offer	offer	VERB
easat-9950	228	26	a	a	DET
easat-9950	228	27	full	full	ADJ
easat-9950	228	28	range	range	NOUN
easat-9950	228	29	of	of	ADP
easat-9950	228	30	financial	financial	ADJ
easat-9950	228	31	and	and	CCONJ
easat-9950	228	32	banking	banking	NOUN
easat-9950	228	33	services	service	NOUN
easat-9950	228	34	,	,	PUNCT
easat-9950	228	35	replacing	replace	VERB
easat-9950	228	36	conventional	conventional	ADJ
easat-9950	228	37	branch	branch	NOUN
easat-9950	228	38	visits	visit	NOUN
easat-9950	228	39	.	.	PUNCT
easat-9950	229	1	mobile	mobile	ADJ
easat-9950	229	2	banking	banking	NOUN
easat-9950	229	3	services	service	NOUN
easat-9950	229	4	are	be	AUX
easat-9950	229	5	converging	converge	VERB
easat-9950	229	6	with	with	ADP
easat-9950	229	7	internet	internet	NOUN
easat-9950	229	8	banking	banking	NOUN
easat-9950	229	9	,	,	PUNCT
easat-9950	229	10	attracting	attract	VERB
easat-9950	229	11	users	user	NOUN
easat-9950	229	12	who	who	PRON
easat-9950	229	13	may	may	AUX
easat-9950	229	14	lack	lack	VERB
easat-9950	229	15	computers	computer	NOUN
easat-9950	229	16	but	but	CCONJ
easat-9950	229	17	possess	possess	VERB
easat-9950	229	18	mobile	mobile	ADJ
easat-9950	229	19	devices	device	NOUN
easat-9950	229	20	.	.	PUNCT
easat-9950	230	1	over	over	ADP
easat-9950	230	2	60	60	NUM
easat-9950	230	3	million	million	NUM
easat-9950	230	4	mobile	mobile	ADJ
easat-9950	230	5	banking	banking	NOUN
easat-9950	230	6	users	user	NOUN
easat-9950	230	7	are	be	AUX
easat-9950	230	8	active	active	ADJ
easat-9950	230	9	worldwide	worldwide	ADV
easat-9950	230	10	,	,	PUNCT
easat-9950	230	11	forming	form	VERB
easat-9950	230	12	account	account	NOUN
easat-9950	230	13	plans	plan	NOUN
easat-9950	230	14	to	to	PART
easat-9950	230	15	perform	perform	VERB
easat-9950	230	16	monetary	monetary	ADJ
easat-9950	230	17	transactions	transaction	NOUN
easat-9950	230	18	,	,	PUNCT
easat-9950	230	19	even	even	ADV
easat-9950	230	20	introducing	introduce	VERB
easat-9950	230	21	708	708	NUM
easat-9950	230	22	edelweiss	edelweiss	PROPN
easat-9950	230	23	applied	apply	VERB
easat-9950	230	24	science	science	NOUN
easat-9950	230	25	and	and	CCONJ
easat-9950	230	26	technology	technology	NOUN
easat-9950	230	27	issn	issn	PROPN
easat-9950	230	28	:	:	PUNCT
easat-9950	230	29	2576	2576	NUM
easat-9950	230	30	-	-	SYM
easat-9950	230	31	8484	8484	NUM
easat-9950	230	32	vol	vol	NOUN
easat-9950	230	33	.	.	PROPN
easat-9950	231	1	9	9	NUM
easat-9950	231	2	,	,	PUNCT
easat-9950	231	3	no	no	INTJ
easat-9950	231	4	.	.	NOUN
easat-9950	231	5	9	9	NUM
easat-9950	231	6	:	:	PUNCT
easat-9950	231	7	699	699	NUM
easat-9950	231	8	-	-	SYM
easat-9950	231	9	714	714	NUM
easat-9950	231	10	,	,	PUNCT
easat-9950	231	11	2025	2025	NUM
easat-9950	231	12	doi	doi	NOUN
easat-9950	231	13	:	:	PUNCT
easat-9950	231	14	10.55214/2576	10.55214/2576	NUM
easat-9950	231	15	-	-	SYM
easat-9950	231	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	232	1	©	©	PROPN
easat-9950	232	2	2025	2025	NUM
easat-9950	232	3	by	by	ADP
easat-9950	232	4	the	the	DET
easat-9950	232	5	authors	author	NOUN
easat-9950	232	6	;	;	PUNCT
easat-9950	232	7	licensee	licensee	PROPN
easat-9950	232	8	learning	learn	VERB
easat-9950	232	9	gate	gate	PROPN
easat-9950	232	10	mobile	mobile	ADJ
easat-9950	232	11	money	money	NOUN
easat-9950	232	12	and	and	CCONJ
easat-9950	232	13	wallet	wallet	NOUN
easat-9950	232	14	services	service	NOUN
easat-9950	232	15	.	.	PUNCT
easat-9950	233	1	coupling	couple	VERB
easat-9950	233	2	mobile	mobile	ADJ
easat-9950	233	3	applications	application	NOUN
easat-9950	233	4	with	with	ADP
easat-9950	233	5	internet	internet	NOUN
easat-9950	233	6	banking	banking	NOUN
easat-9950	233	7	allows	allow	VERB
easat-9950	233	8	enterprises	enterprise	NOUN
easat-9950	233	9	to	to	PART
easat-9950	233	10	facilitate	facilitate	VERB
easat-9950	233	11	and	and	CCONJ
easat-9950	233	12	accelerate	accelerate	VERB
easat-9950	233	13	transactions	transaction	NOUN
easat-9950	233	14	effectively	effectively	ADV
easat-9950	233	15	and	and	CCONJ
easat-9950	233	16	swiftly	swiftly	ADV
easat-9950	233	17	.	.	PUNCT
easat-9950	234	1	mobile	mobile	ADJ
easat-9950	234	2	banking	banking	NOUN
easat-9950	234	3	operates	operate	VERB
easat-9950	234	4	through	through	ADP
easat-9950	234	5	two	two	NUM
easat-9950	234	6	main	main	ADJ
easat-9950	234	7	technologies	technology	NOUN
easat-9950	234	8	:	:	PUNCT
easat-9950	234	9	wireless	wireless	ADJ
easat-9950	234	10	application	application	NOUN
easat-9950	234	11	protocol	protocol	NOUN
easat-9950	234	12	(	(	PUNCT
easat-9950	234	13	wap	wap	PROPN
easat-9950	234	14	)	)	PUNCT
easat-9950	234	15	and	and	CCONJ
easat-9950	234	16	short	short	ADJ
easat-9950	234	17	message	message	NOUN
easat-9950	234	18	service	service	NOUN
easat-9950	234	19	(	(	PUNCT
easat-9950	234	20	sms	sms	PROPN
easat-9950	234	21	)	)	PUNCT
easat-9950	234	22	.	.	PUNCT
easat-9950	235	1	both	both	PRON
easat-9950	235	2	are	be	AUX
easat-9950	235	3	proved	prove	VERB
easat-9950	235	4	as	as	ADP
easat-9950	235	5	accessible	accessible	ADJ
easat-9950	235	6	,	,	PUNCT
easat-9950	235	7	secure	secure	ADJ
easat-9950	235	8	,	,	PUNCT
easat-9950	235	9	and	and	CCONJ
easat-9950	235	10	robust	robust	ADJ
easat-9950	235	11	communication	communication	NOUN
easat-9950	235	12	channels	channel	NOUN
easat-9950	235	13	for	for	ADP
easat-9950	235	14	banking	banking	NOUN
easat-9950	235	15	activities	activity	NOUN
easat-9950	235	16	.	.	PUNCT
easat-9950	236	1	wap	wap	PROPN
easat-9950	236	2	infrastructures	infrastructure	NOUN
easat-9950	236	3	empower	empower	VERB
easat-9950	236	4	financial	financial	ADJ
easat-9950	236	5	institutions	institution	NOUN
easat-9950	236	6	and	and	CCONJ
easat-9950	236	7	third	third	ADJ
easat-9950	236	8	-	-	PUNCT
easat-9950	236	9	party	party	NOUN
easat-9950	236	10	service	service	NOUN
easat-9950	236	11	providers	provider	NOUN
easat-9950	236	12	to	to	PART
easat-9950	236	13	develop	develop	VERB
easat-9950	236	14	advanced	advanced	ADJ
easat-9950	236	15	services	service	NOUN
easat-9950	236	16	in	in	ADP
easat-9950	236	17	sectors	sector	NOUN
easat-9950	236	18	such	such	ADJ
easat-9950	236	19	as	as	ADP
easat-9950	236	20	retail	retail	ADJ
easat-9950	236	21	stores	store	NOUN
easat-9950	236	22	,	,	PUNCT
easat-9950	236	23	restaurants	restaurant	NOUN
easat-9950	236	24	,	,	PUNCT
easat-9950	236	25	egovernment	egovernment	NOUN
easat-9950	236	26	,	,	PUNCT
easat-9950	236	27	logistics	logistic	NOUN
easat-9950	236	28	,	,	PUNCT
easat-9950	236	29	and	and	CCONJ
easat-9950	236	30	transportation	transportation	NOUN
easat-9950	236	31	;	;	PUNCT
easat-9950	236	32	mobile	mobile	ADJ
easat-9950	236	33	transactions	transaction	NOUN
easat-9950	236	34	constitute	constitute	VERB
easat-9950	236	35	a	a	DET
easat-9950	236	36	significant	significant	ADJ
easat-9950	236	37	part	part	NOUN
easat-9950	236	38	of	of	ADP
easat-9950	236	39	the	the	DET
easat-9950	236	40	new	new	ADJ
easat-9950	236	41	services	service	NOUN
easat-9950	236	42	developed	develop	VERB
easat-9950	236	43	.	.	PUNCT
easat-9950	237	1	sms	sms	PROPN
easat-9950	237	2	reduces	reduce	VERB
easat-9950	237	3	operational	operational	ADJ
easat-9950	237	4	costs	cost	NOUN
easat-9950	237	5	for	for	ADP
easat-9950	237	6	banks	bank	NOUN
easat-9950	237	7	and	and	CCONJ
easat-9950	237	8	promotes	promote	VERB
easat-9950	237	9	the	the	DET
easat-9950	237	10	distribution	distribution	NOUN
easat-9950	237	11	of	of	ADP
easat-9950	237	12	inexpensive	inexpensive	ADJ
easat-9950	237	13	services	service	NOUN
easat-9950	237	14	,	,	PUNCT
easat-9950	237	15	like	like	ADP
easat-9950	237	16	balance	balance	NOUN
easat-9950	237	17	inquiries	inquiry	NOUN
easat-9950	237	18	and	and	CCONJ
easat-9950	237	19	transaction	transaction	NOUN
easat-9950	237	20	alerts	alert	NOUN
easat-9950	237	21	.	.	PUNCT
easat-9950	238	1	mobile	mobile	ADJ
easat-9950	238	2	payments	payment	NOUN
easat-9950	238	3	augment	augment	VERB
easat-9950	238	4	business	business	NOUN
easat-9950	238	5	growth	growth	NOUN
easat-9950	238	6	opportunities	opportunity	NOUN
easat-9950	238	7	by	by	ADP
easat-9950	238	8	interfacing	interface	VERB
easat-9950	238	9	between	between	ADP
easat-9950	238	10	customers	customer	NOUN
easat-9950	238	11	,	,	PUNCT
easat-9950	238	12	business	business	NOUN
easat-9950	238	13	partners	partner	NOUN
easat-9950	238	14	,	,	PUNCT
easat-9950	238	15	and	and	CCONJ
easat-9950	238	16	financial	financial	ADJ
easat-9950	238	17	institutions	institution	NOUN
easat-9950	238	18	via	via	ADP
easat-9950	238	19	mobile	mobile	ADJ
easat-9950	238	20	phones	phone	NOUN
easat-9950	238	21	and	and	CCONJ
easat-9950	238	22	other	other	ADJ
easat-9950	238	23	mobile	mobile	ADJ
easat-9950	238	24	devices	device	NOUN
easat-9950	238	25	.	.	PUNCT
easat-9950	239	1	the	the	DET
easat-9950	239	2	main	main	ADJ
easat-9950	239	3	mobile	mobile	ADJ
easat-9950	239	4	banking	banking	NOUN
easat-9950	239	5	drivers	driver	NOUN
easat-9950	239	6	include	include	VERB
easat-9950	239	7	an	an	DET
easat-9950	239	8	increase	increase	NOUN
easat-9950	239	9	in	in	ADP
easat-9950	239	10	internet	internet	NOUN
easat-9950	239	11	-	-	PUNCT
easat-9950	239	12	access	access	NOUN
easat-9950	239	13	mobile	mobile	ADJ
easat-9950	239	14	devices	device	NOUN
easat-9950	239	15	,	,	PUNCT
easat-9950	239	16	improved	improve	VERB
easat-9950	239	17	security	security	NOUN
easat-9950	239	18	mechanisms	mechanism	NOUN
easat-9950	239	19	,	,	PUNCT
easat-9950	239	20	convergence	convergence	NOUN
easat-9950	239	21	of	of	ADP
easat-9950	239	22	different	different	ADJ
easat-9950	239	23	media	medium	NOUN
easat-9950	239	24	and	and	CCONJ
easat-9950	239	25	services	service	NOUN
easat-9950	239	26	,	,	PUNCT
easat-9950	239	27	and	and	CCONJ
easat-9950	239	28	overall	overall	ADJ
easat-9950	239	29	cost	cost	NOUN
easat-9950	239	30	reduction	reduction	NOUN
easat-9950	239	31	.	.	PUNCT
easat-9950	240	1	mobile	mobile	ADJ
easat-9950	240	2	-	-	PUNCT
easat-9950	240	3	banking	banking	NOUN
easat-9950	240	4	services	service	NOUN
easat-9950	240	5	are	be	AUX
easat-9950	240	6	at	at	ADV
easat-9950	240	7	least	least	ADJ
easat-9950	240	8	as	as	ADV
easat-9950	240	9	secure	secure	ADJ
easat-9950	240	10	as	as	ADP
easat-9950	240	11	current	current	ADJ
easat-9950	240	12	internet	internet	NOUN
easat-9950	240	13	-	-	PUNCT
easat-9950	240	14	banking	banking	NOUN
easat-9950	240	15	systems	system	NOUN
easat-9950	240	16	.	.	PUNCT
easat-9950	241	1	nevertheless	nevertheless	ADV
easat-9950	241	2	,	,	PUNCT
easat-9950	241	3	mobile	mobile	ADJ
easat-9950	241	4	banking	banking	NOUN
easat-9950	241	5	needs	need	VERB
easat-9950	241	6	to	to	PART
easat-9950	241	7	be	be	AUX
easat-9950	241	8	an	an	DET
easat-9950	241	9	integral	integral	ADJ
easat-9950	241	10	part	part	NOUN
easat-9950	241	11	of	of	ADP
easat-9950	241	12	the	the	DET
easat-9950	241	13	overall	overall	ADJ
easat-9950	241	14	business	business	NOUN
easat-9950	241	15	strategy	strategy	NOUN
easat-9950	241	16	to	to	PART
easat-9950	241	17	meet	meet	VERB
easat-9950	241	18	customer	customer	NOUN
easat-9950	241	19	needs	need	VERB
easat-9950	241	20	effectively	effectively	ADV
easat-9950	241	21	and	and	CCONJ
easat-9950	241	22	form	form	VERB
easat-9950	241	23	a	a	DET
easat-9950	241	24	viable	viable	ADJ
easat-9950	241	25	channel	channel	NOUN
easat-9950	241	26	of	of	ADP
easat-9950	241	27	future	future	ADJ
easat-9950	241	28	commerce	commerce	NOUN
easat-9950	241	29	and	and	CCONJ
easat-9950	241	30	information	information	NOUN
easat-9950	241	31	delivery	delivery	NOUN
easat-9950	241	32	.	.	PUNCT
easat-9950	242	1	despite	despite	SCONJ
easat-9950	242	2	the	the	DET
easat-9950	242	3	diversity	diversity	NOUN
easat-9950	242	4	of	of	ADP
easat-9950	242	5	financial	financial	ADJ
easat-9950	242	6	services	service	NOUN
easat-9950	242	7	available	available	ADJ
easat-9950	242	8	over	over	ADP
easat-9950	242	9	mobile	mobile	ADJ
easat-9950	242	10	,	,	PUNCT
easat-9950	242	11	transaction	transaction	NOUN
easat-9950	242	12	banks	bank	NOUN
easat-9950	242	13	may	may	AUX
easat-9950	242	14	face	face	VERB
easat-9950	242	15	challenges	challenge	NOUN
easat-9950	242	16	creating	create	VERB
easat-9950	242	17	effective	effective	ADJ
easat-9950	242	18	business	business	NOUN
easat-9950	242	19	platforms	platform	NOUN
easat-9950	242	20	that	that	SCONJ
easat-9950	242	21	fit	fit	ADJ
easat-9950	242	22	client	client	NOUN
easat-9950	242	23	group	group	NOUN
easat-9950	242	24	characteristics	characteristic	NOUN
easat-9950	242	25	and	and	CCONJ
easat-9950	242	26	provide	provide	VERB
easat-9950	242	27	concrete	concrete	ADJ
easat-9950	242	28	benefits	benefit	NOUN
easat-9950	242	29	.	.	PUNCT
easat-9950	243	1	users	user	NOUN
easat-9950	243	2	have	have	VERB
easat-9950	243	3	concerns	concern	NOUN
easat-9950	243	4	about	about	ADP
easat-9950	243	5	privacy	privacy	NOUN
easat-9950	243	6	—	—	PUNCT
easat-9950	243	7	disclosure	disclosure	NOUN
easat-9950	243	8	of	of	ADP
easat-9950	243	9	personal	personal	ADJ
easat-9950	243	10	information	information	NOUN
easat-9950	243	11	,	,	PUNCT
easat-9950	243	12	data	data	NOUN
easat-9950	243	13	misuse	misuse	NOUN
easat-9950	243	14	,	,	PUNCT
easat-9950	243	15	and	and	CCONJ
easat-9950	243	16	reliance	reliance	NOUN
easat-9950	243	17	on	on	ADP
easat-9950	243	18	service	service	NOUN
easat-9950	243	19	providers	provider	NOUN
easat-9950	243	20	or	or	CCONJ
easat-9950	243	21	the	the	DET
easat-9950	243	22	network	network	NOUN
easat-9950	243	23	—	—	PUNCT
easat-9950	243	24	but	but	CCONJ
easat-9950	243	25	strong	strong	ADJ
easat-9950	243	26	intentions	intention	NOUN
easat-9950	243	27	to	to	PART
easat-9950	243	28	use	use	VERB
easat-9950	243	29	mobile	mobile	ADJ
easat-9950	243	30	banking	banking	NOUN
easat-9950	243	31	services	service	NOUN
easat-9950	243	32	remain	remain	VERB
easat-9950	243	33	evident	evident	ADJ
easat-9950	243	34	.	.	PUNCT
easat-9950	244	1	the	the	DET
easat-9950	244	2	future	future	NOUN
easat-9950	244	3	of	of	ADP
easat-9950	244	4	internet	internet	NOUN
easat-9950	244	5	banking	banking	NOUN
easat-9950	244	6	,	,	PUNCT
easat-9950	244	7	combined	combine	VERB
easat-9950	244	8	with	with	ADP
easat-9950	244	9	the	the	DET
easat-9950	244	10	increasingly	increasingly	ADV
easat-9950	244	11	important	important	ADJ
easat-9950	244	12	role	role	NOUN
easat-9950	244	13	of	of	ADP
easat-9950	244	14	mobile	mobile	ADJ
easat-9950	244	15	phones	phone	NOUN
easat-9950	244	16	,	,	PUNCT
easat-9950	244	17	suggests	suggest	VERB
easat-9950	244	18	that	that	SCONJ
easat-9950	244	19	financial	financial	ADJ
easat-9950	244	20	institutions	institution	NOUN
easat-9950	244	21	should	should	AUX
easat-9950	244	22	take	take	VERB
easat-9950	244	23	an	an	DET
easat-9950	244	24	active	active	ADJ
easat-9950	244	25	part	part	NOUN
easat-9950	244	26	in	in	ADP
easat-9950	244	27	the	the	DET
easat-9950	244	28	transition	transition	NOUN
easat-9950	244	29	toward	toward	ADP
easat-9950	244	30	mobile	mobile	ADJ
easat-9950	244	31	services	service	NOUN
easat-9950	244	32	[	[	X
easat-9950	244	33	1	1	NUM
easat-9950	244	34	]	]	PUNCT
easat-9950	244	35	.	.	PUNCT
easat-9950	245	1	consequently	consequently	ADV
easat-9950	245	2	,	,	PUNCT
easat-9950	245	3	mobile	mobile	ADJ
easat-9950	245	4	banking	banking	NOUN
easat-9950	245	5	plays	play	VERB
easat-9950	245	6	a	a	DET
easat-9950	245	7	pivotal	pivotal	ADJ
easat-9950	245	8	role	role	NOUN
easat-9950	245	9	in	in	ADP
easat-9950	245	10	the	the	DET
easat-9950	245	11	digital	digital	ADJ
easat-9950	245	12	transformation	transformation	NOUN
easat-9950	245	13	trajectory	trajectory	NOUN
easat-9950	245	14	of	of	ADP
easat-9950	245	15	greek	greek	ADJ
easat-9950	245	16	enterprises	enterprise	NOUN
easat-9950	245	17	and	and	CCONJ
easat-9950	245	18	warrants	warrant	NOUN
easat-9950	245	19	attention	attention	NOUN
easat-9950	245	20	from	from	ADP
easat-9950	245	21	both	both	DET
easat-9950	245	22	practitioners	practitioner	NOUN
easat-9950	245	23	and	and	CCONJ
easat-9950	245	24	researchers	researcher	NOUN
easat-9950	245	25	.	.	PUNCT
easat-9950	246	1	7.1	7.1	NUM
easat-9950	246	2	.	.	PUNCT
easat-9950	247	1	emerging	emerge	VERB
easat-9950	247	2	technologies	technology	NOUN
easat-9950	247	3	mobile	mobile	ADJ
easat-9950	247	4	applications	application	NOUN
easat-9950	247	5	are	be	AUX
easat-9950	247	6	widely	widely	ADV
easat-9950	247	7	used	use	VERB
easat-9950	247	8	today	today	NOUN
easat-9950	247	9	,	,	PUNCT
easat-9950	247	10	as	as	SCONJ
easat-9950	247	11	they	they	PRON
easat-9950	247	12	are	be	AUX
easat-9950	247	13	far	far	ADV
easat-9950	247	14	more	more	ADJ
easat-9950	247	15	than	than	ADP
easat-9950	247	16	simple	simple	ADJ
easat-9950	247	17	extensions	extension	NOUN
easat-9950	247	18	of	of	ADP
easat-9950	247	19	desktop	desktop	NOUN
easat-9950	247	20	applications	application	NOUN
easat-9950	247	21	.	.	PUNCT
easat-9950	248	1	they	they	PRON
easat-9950	248	2	focus	focus	VERB
easat-9950	248	3	on	on	ADP
easat-9950	248	4	specific	specific	ADJ
easat-9950	248	5	tasks	task	NOUN
easat-9950	248	6	and	and	CCONJ
easat-9950	248	7	aim	aim	VERB
easat-9950	248	8	to	to	PART
easat-9950	248	9	serve	serve	VERB
easat-9950	248	10	particular	particular	ADJ
easat-9950	248	11	needs	need	NOUN
easat-9950	248	12	in	in	ADP
easat-9950	248	13	users	user	NOUN
easat-9950	248	14	’	'	PUNCT
easat-9950	248	15	daily	daily	ADJ
easat-9950	248	16	lives	life	NOUN
easat-9950	248	17	,	,	PUNCT
easat-9950	248	18	providing	provide	VERB
easat-9950	248	19	better	well	ADJ
easat-9950	248	20	services	service	NOUN
easat-9950	248	21	tailored	tailor	VERB
easat-9950	248	22	to	to	ADP
easat-9950	248	23	their	their	PRON
easat-9950	248	24	expectations	expectation	NOUN
easat-9950	248	25	,	,	PUNCT
easat-9950	248	26	whether	whether	SCONJ
easat-9950	248	27	in	in	ADP
easat-9950	248	28	terms	term	NOUN
easat-9950	248	29	of	of	ADP
easat-9950	248	30	how	how	SCONJ
easat-9950	248	31	they	they	PRON
easat-9950	248	32	communicate	communicate	VERB
easat-9950	248	33	,	,	PUNCT
easat-9950	248	34	find	find	VERB
easat-9950	248	35	information	information	NOUN
easat-9950	248	36	,	,	PUNCT
easat-9950	248	37	pay	pay	VERB
easat-9950	248	38	for	for	ADP
easat-9950	248	39	something	something	PRON
easat-9950	248	40	,	,	PUNCT
easat-9950	248	41	get	get	VERB
easat-9950	248	42	goods	good	NOUN
easat-9950	248	43	delivered	deliver	VERB
easat-9950	248	44	,	,	PUNCT
easat-9950	248	45	or	or	CCONJ
easat-9950	248	46	manage	manage	VERB
easat-9950	248	47	their	their	PRON
easat-9950	248	48	finances	finance	NOUN
easat-9950	248	49	.	.	PUNCT
easat-9950	249	1	they	they	PRON
easat-9950	249	2	are	be	AUX
easat-9950	249	3	an	an	DET
easat-9950	249	4	emerging	emerge	VERB
easat-9950	249	5	new	new	ADJ
easat-9950	249	6	medium	medium	NOUN
easat-9950	249	7	,	,	PUNCT
easat-9950	249	8	based	base	VERB
easat-9950	249	9	on	on	ADP
easat-9950	249	10	mobile	mobile	ADJ
easat-9950	249	11	communication	communication	NOUN
easat-9950	249	12	technology	technology	NOUN
easat-9950	249	13	and	and	CCONJ
easat-9950	249	14	as	as	ADV
easat-9950	249	15	different	different	ADJ
easat-9950	249	16	to	to	ADP
easat-9950	249	17	the	the	DET
easat-9950	249	18	web	web	NOUN
easat-9950	249	19	as	as	SCONJ
easat-9950	249	20	it	it	PRON
easat-9950	249	21	was	be	AUX
easat-9950	249	22	to	to	ADP
easat-9950	249	23	tv	tv	NOUN
easat-9950	249	24	when	when	SCONJ
easat-9950	249	25	it	it	PRON
easat-9950	249	26	emerged	emerge	VERB
easat-9950	249	27	initially	initially	ADV
easat-9950	249	28	.	.	PUNCT
easat-9950	250	1	internet	internet	NOUN
easat-9950	250	2	banking	banking	NOUN
easat-9950	250	3	has	have	AUX
easat-9950	250	4	become	become	VERB
easat-9950	250	5	a	a	DET
easat-9950	250	6	significant	significant	ADJ
easat-9950	250	7	competitive	competitive	ADJ
easat-9950	250	8	factor	factor	NOUN
easat-9950	250	9	of	of	ADP
easat-9950	250	10	banking	banking	NOUN
easat-9950	250	11	institutions	institution	NOUN
easat-9950	250	12	,	,	PUNCT
easat-9950	250	13	and	and	CCONJ
easat-9950	250	14	all	all	DET
easat-9950	250	15	greek	greek	ADJ
easat-9950	250	16	banks	bank	NOUN
easat-9950	250	17	offer	offer	VERB
easat-9950	250	18	comprehensive	comprehensive	ADJ
easat-9950	250	19	internet	internet	NOUN
easat-9950	250	20	banking	banking	NOUN
easat-9950	250	21	services	service	NOUN
easat-9950	250	22	using	use	VERB
easat-9950	250	23	the	the	DET
easat-9950	250	24	current	current	ADJ
easat-9950	250	25	security	security	NOUN
easat-9950	250	26	standards	standard	NOUN
easat-9950	250	27	and	and	CCONJ
easat-9950	250	28	the	the	DET
easat-9950	250	29	necessary	necessary	ADJ
easat-9950	250	30	operational	operational	ADJ
easat-9950	250	31	tools	tool	NOUN
easat-9950	250	32	on	on	ADP
easat-9950	250	33	their	their	PRON
easat-9950	250	34	sites	site	NOUN
easat-9950	250	35	.	.	PUNCT
easat-9950	251	1	the	the	DET
easat-9950	251	2	integration	integration	NOUN
easat-9950	251	3	of	of	ADP
easat-9950	251	4	internet	internet	NOUN
easat-9950	251	5	banking	banking	NOUN
easat-9950	251	6	and	and	CCONJ
easat-9950	251	7	mobile	mobile	ADJ
easat-9950	251	8	applications	application	NOUN
easat-9950	251	9	can	can	AUX
easat-9950	251	10	increase	increase	VERB
easat-9950	251	11	the	the	DET
easat-9950	251	12	range	range	NOUN
easat-9950	251	13	of	of	ADP
easat-9950	251	14	products	product	NOUN
easat-9950	251	15	and	and	CCONJ
easat-9950	251	16	services	service	NOUN
easat-9950	251	17	available	available	ADJ
easat-9950	251	18	to	to	ADP
easat-9950	251	19	both	both	CCONJ
easat-9950	251	20	private	private	ADJ
easat-9950	251	21	and	and	CCONJ
easat-9950	251	22	corporate	corporate	ADJ
easat-9950	251	23	customers	customer	NOUN
easat-9950	251	24	and	and	CCONJ
easat-9950	251	25	enhance	enhance	VERB
easat-9950	251	26	user	user	NOUN
easat-9950	251	27	convenience	convenience	NOUN
easat-9950	251	28	and	and	CCONJ
easat-9950	251	29	service	service	NOUN
easat-9950	251	30	transformation	transformation	NOUN
easat-9950	251	31	.	.	PUNCT
easat-9950	252	1	internet	internet	NOUN
easat-9950	252	2	banking	banking	NOUN
easat-9950	252	3	refers	refer	VERB
easat-9950	252	4	to	to	ADP
easat-9950	252	5	the	the	DET
easat-9950	252	6	provision	provision	NOUN
easat-9950	252	7	of	of	ADP
easat-9950	252	8	banking	banking	NOUN
easat-9950	252	9	services	service	NOUN
easat-9950	252	10	through	through	ADP
easat-9950	252	11	the	the	DET
easat-9950	252	12	internet	internet	NOUN
easat-9950	252	13	[	[	X
easat-9950	252	14	10	10	NUM
easat-9950	252	15	,	,	PUNCT
easat-9950	252	16	11	11	NUM
easat-9950	252	17	]	]	PUNCT
easat-9950	252	18	.	.	PUNCT
easat-9950	253	1	the	the	DET
easat-9950	253	2	internet	internet	NOUN
easat-9950	253	3	is	be	AUX
easat-9950	253	4	the	the	DET
easat-9950	253	5	medium	medium	NOUN
easat-9950	253	6	through	through	ADP
easat-9950	253	7	which	which	PRON
easat-9950	253	8	information	information	NOUN
easat-9950	253	9	is	be	AUX
easat-9950	253	10	delivered	deliver	VERB
easat-9950	253	11	,	,	PUNCT
easat-9950	253	12	and	and	CCONJ
easat-9950	253	13	depending	depend	VERB
easat-9950	253	14	on	on	ADP
easat-9950	253	15	the	the	DET
easat-9950	253	16	organization	organization	NOUN
easat-9950	253	17	,	,	PUNCT
easat-9950	253	18	the	the	DET
easat-9950	253	19	customer	customer	NOUN
easat-9950	253	20	is	be	AUX
easat-9950	253	21	able	able	ADJ
easat-9950	253	22	to	to	PART
easat-9950	253	23	perform	perform	VERB
easat-9950	253	24	(	(	PUNCT
easat-9950	253	25	more	more	ADJ
easat-9950	253	26	or	or	CCONJ
easat-9950	253	27	less	less	ADJ
easat-9950	253	28	)	)	PUNCT
easat-9950	253	29	a	a	DET
easat-9950	253	30	range	range	NOUN
easat-9950	253	31	of	of	ADP
easat-9950	253	32	transactions	transaction	NOUN
easat-9950	253	33	,	,	PUNCT
easat-9950	253	34	including	include	VERB
easat-9950	253	35	funds	fund	NOUN
easat-9950	253	36	transfer	transfer	NOUN
easat-9950	253	37	/	/	SYM
easat-9950	253	38	loan	loan	NOUN
easat-9950	253	39	payment	payment	NOUN
easat-9950	253	40	,	,	PUNCT
easat-9950	253	41	bill	bill	NOUN
easat-9950	253	42	payments	payment	NOUN
easat-9950	253	43	,	,	PUNCT
easat-9950	253	44	and	and	CCONJ
easat-9950	253	45	cheque	cheque	NOUN
easat-9950	253	46	enquiry	enquiry	NOUN
easat-9950	253	47	.	.	PUNCT
easat-9950	254	1	greek	greek	ADJ
easat-9950	254	2	banks	bank	NOUN
easat-9950	254	3	provide	provide	VERB
easat-9950	254	4	a	a	DET
easat-9950	254	5	comprehensive	comprehensive	ADJ
easat-9950	254	6	range	range	NOUN
easat-9950	254	7	of	of	ADP
easat-9950	254	8	internet	internet	NOUN
easat-9950	254	9	banking	banking	NOUN
easat-9950	254	10	services	service	NOUN
easat-9950	254	11	to	to	ADP
easat-9950	254	12	individuals	individual	NOUN
easat-9950	254	13	and	and	CCONJ
easat-9950	254	14	businesses	business	NOUN
easat-9950	254	15	,	,	PUNCT
easat-9950	254	16	and	and	CCONJ
easat-9950	254	17	all	all	DET
easat-9950	254	18	banks	bank	NOUN
easat-9950	254	19	offer	offer	VERB
easat-9950	254	20	monitoring	monitoring	NOUN
easat-9950	254	21	tools	tool	NOUN
easat-9950	254	22	for	for	ADP
easat-9950	254	23	stock	stock	NOUN
easat-9950	254	24	-	-	PUNCT
easat-9950	254	25	market	market	NOUN
easat-9950	254	26	clients	client	NOUN
easat-9950	254	27	.	.	PUNCT
easat-9950	255	1	web	web	NOUN
easat-9950	255	2	-	-	NOUN
easat-9950	255	3	tellers	teller	NOUN
easat-9950	255	4	are	be	AUX
easat-9950	255	5	enabled	enable	VERB
easat-9950	255	6	to	to	PART
easat-9950	255	7	make	make	VERB
easat-9950	255	8	transactions	transaction	NOUN
easat-9950	255	9	from	from	ADP
easat-9950	255	10	any	any	DET
easat-9950	255	11	terminal	terminal	NOUN
easat-9950	255	12	with	with	ADP
easat-9950	255	13	web	web	NOUN
easat-9950	255	14	-	-	NOUN
easat-9950	255	15	browser	browser	NOUN
easat-9950	255	16	and	and	CCONJ
easat-9950	255	17	internet	internet	NOUN
easat-9950	255	18	access	access	NOUN
easat-9950	255	19	,	,	PUNCT
easat-9950	255	20	offering	offer	VERB
easat-9950	255	21	convenience	convenience	NOUN
easat-9950	255	22	and	and	CCONJ
easat-9950	255	23	time	time	NOUN
easat-9950	255	24	-	-	PUNCT
easat-9950	255	25	saving	save	VERB
easat-9950	255	26	services	service	NOUN
easat-9950	255	27	to	to	ADP
easat-9950	255	28	retail	retail	ADJ
easat-9950	255	29	customers	customer	NOUN
easat-9950	255	30	.	.	PUNCT
easat-9950	256	1	various	various	ADJ
easat-9950	256	2	studies	study	NOUN
easat-9950	256	3	have	have	AUX
easat-9950	256	4	aimed	aim	VERB
easat-9950	256	5	to	to	PART
easat-9950	256	6	understand	understand	VERB
easat-9950	256	7	customers	customer	NOUN
easat-9950	256	8	’	'	PUNCT
easat-9950	256	9	behavioral	behavioral	ADJ
easat-9950	256	10	intentions	intention	NOUN
easat-9950	256	11	toward	toward	ADP
easat-9950	256	12	internet	internet	NOUN
easat-9950	256	13	banking	banking	NOUN
easat-9950	256	14	,	,	PUNCT
easat-9950	256	15	which	which	PRON
easat-9950	256	16	is	be	AUX
easat-9950	256	17	receiving	receive	VERB
easat-9950	256	18	wide	wide	ADJ
easat-9950	256	19	attention	attention	NOUN
easat-9950	256	20	worldwide	worldwide	ADV
easat-9950	256	21	.	.	PUNCT
easat-9950	257	1	the	the	DET
easat-9950	257	2	internet	internet	NOUN
easat-9950	257	3	banking	banking	NOUN
easat-9950	257	4	market	market	NOUN
easat-9950	257	5	in	in	ADP
easat-9950	257	6	greece	greece	PROPN
easat-9950	257	7	is	be	AUX
easat-9950	257	8	still	still	ADV
easat-9950	257	9	small	small	ADJ
easat-9950	257	10	,	,	PUNCT
easat-9950	257	11	covering	cover	VERB
easat-9950	257	12	only	only	ADV
easat-9950	257	13	8	8	NUM
easat-9950	257	14	%	%	NOUN
easat-9950	257	15	of	of	ADP
easat-9950	257	16	the	the	DET
easat-9950	257	17	population	population	NOUN
easat-9950	257	18	,	,	PUNCT
easat-9950	257	19	but	but	CCONJ
easat-9950	257	20	as	as	SCONJ
easat-9950	257	21	internet	internet	NOUN
easat-9950	257	22	use	use	NOUN
easat-9950	257	23	grows	grow	VERB
easat-9950	257	24	,	,	PUNCT
easat-9950	257	25	significant	significant	ADJ
easat-9950	257	26	adoption	adoption	NOUN
easat-9950	257	27	is	be	AUX
easat-9950	257	28	expected	expect	VERB
easat-9950	257	29	.	.	PUNCT
easat-9950	258	1	greek	greek	NOUN
easat-9950	258	2	bankers	banker	NOUN
easat-9950	258	3	anticipate	anticipate	VERB
easat-9950	258	4	accelerated	accelerate	VERB
easat-9950	258	5	growth	growth	NOUN
easat-9950	258	6	over	over	ADP
easat-9950	258	7	the	the	DET
easat-9950	258	8	next	next	ADJ
easat-9950	258	9	five	five	NUM
easat-9950	258	10	years	year	NOUN
easat-9950	258	11	as	as	SCONJ
easat-9950	258	12	customers	customer	NOUN
easat-9950	258	13	become	become	VERB
easat-9950	258	14	less	less	ADJ
easat-9950	258	15	technology	technology	NOUN
easat-9950	258	16	-	-	PUNCT
easat-9950	258	17	phobic	phobic	ADJ
easat-9950	258	18	;	;	PUNCT
easat-9950	258	19	banks	bank	NOUN
easat-9950	258	20	are	be	AUX
easat-9950	258	21	already	already	ADV
easat-9950	258	22	enhancing	enhance	VERB
easat-9950	258	23	their	their	PRON
easat-9950	258	24	services	service	NOUN
easat-9950	258	25	and	and	CCONJ
easat-9950	258	26	integrating	integrate	VERB
easat-9950	258	27	internet	internet	NOUN
easat-9950	258	28	banking	banking	NOUN
easat-9950	258	29	as	as	ADP
easat-9950	258	30	a	a	DET
easat-9950	258	31	standard	standard	ADJ
easat-9950	258	32	distribution	distribution	NOUN
easat-9950	258	33	channel	channel	NOUN
easat-9950	258	34	.	.	PUNCT
easat-9950	259	1	interviews	interview	NOUN
easat-9950	259	2	suggest	suggest	VERB
easat-9950	259	3	internet	internet	NOUN
easat-9950	259	4	banking	banking	NOUN
easat-9950	259	5	will	will	AUX
easat-9950	259	6	become	become	VERB
easat-9950	259	7	dominant	dominant	ADJ
easat-9950	259	8	,	,	PUNCT
easat-9950	259	9	with	with	ADP
easat-9950	259	10	traditional	traditional	ADJ
easat-9950	259	11	branches	branch	NOUN
easat-9950	259	12	transforming	transform	VERB
easat-9950	259	13	into	into	ADP
easat-9950	259	14	advisory	advisory	ADJ
easat-9950	259	15	offices	office	NOUN
easat-9950	259	16	and	and	CCONJ
easat-9950	259	17	a	a	DET
easat-9950	259	18	reduced	reduced	ADJ
easat-9950	259	19	share	share	NOUN
easat-9950	259	20	of	of	ADP
easat-9950	259	21	transactions	transaction	NOUN
easat-9950	259	22	occurring	occur	VERB
easat-9950	259	23	through	through	ADP
easat-9950	259	24	branch	branch	NOUN
easat-9950	259	25	tellers	teller	NOUN
easat-9950	259	26	[	[	X
easat-9950	259	27	1	1	NUM
easat-9950	259	28	]	]	PUNCT
easat-9950	259	29	.	.	PUNCT
easat-9950	260	1	709	709	NUM
easat-9950	260	2	edelweiss	edelweiss	PROPN
easat-9950	260	3	applied	apply	VERB
easat-9950	260	4	science	science	NOUN
easat-9950	260	5	and	and	CCONJ
easat-9950	260	6	technology	technology	NOUN
easat-9950	260	7	issn	issn	PROPN
easat-9950	260	8	:	:	PUNCT
easat-9950	260	9	2576	2576	NUM
easat-9950	260	10	-	-	SYM
easat-9950	260	11	8484	8484	NUM
easat-9950	260	12	vol	vol	NOUN
easat-9950	260	13	.	.	PROPN
easat-9950	261	1	9	9	NUM
easat-9950	261	2	,	,	PUNCT
easat-9950	261	3	no	no	INTJ
easat-9950	261	4	.	.	NOUN
easat-9950	261	5	9	9	NUM
easat-9950	261	6	:	:	PUNCT
easat-9950	261	7	699	699	NUM
easat-9950	261	8	-	-	SYM
easat-9950	261	9	714	714	NUM
easat-9950	261	10	,	,	PUNCT
easat-9950	261	11	2025	2025	NUM
easat-9950	261	12	doi	doi	NOUN
easat-9950	261	13	:	:	PUNCT
easat-9950	261	14	10.55214/2576	10.55214/2576	NUM
easat-9950	261	15	-	-	SYM
easat-9950	261	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	262	1	©	©	PROPN
easat-9950	262	2	2025	2025	NUM
easat-9950	262	3	by	by	ADP
easat-9950	262	4	the	the	DET
easat-9950	262	5	authors	author	NOUN
easat-9950	262	6	;	;	PUNCT
easat-9950	262	7	licensee	licensee	PROPN
easat-9950	262	8	learning	learning	NOUN
easat-9950	262	9	gate	gate	PROPN
easat-9950	262	10	7.2	7.2	NUM
easat-9950	262	11	.	.	PUNCT
easat-9950	263	1	predicted	predict	VERB
easat-9950	263	2	user	user	NOUN
easat-9950	263	3	behavior	behavior	NOUN
easat-9950	263	4	predictions	prediction	NOUN
easat-9950	263	5	of	of	ADP
easat-9950	263	6	future	future	ADJ
easat-9950	263	7	user	user	NOUN
easat-9950	263	8	actions	action	NOUN
easat-9950	263	9	provide	provide	VERB
easat-9950	263	10	valuable	valuable	ADJ
easat-9950	263	11	insights	insight	NOUN
easat-9950	263	12	for	for	ADP
easat-9950	263	13	incorporating	incorporate	VERB
easat-9950	263	14	mobile	mobile	ADJ
easat-9950	263	15	applications	application	NOUN
easat-9950	263	16	into	into	ADP
easat-9950	263	17	internet	internet	NOUN
easat-9950	263	18	banking	banking	NOUN
easat-9950	263	19	systems	system	NOUN
easat-9950	263	20	.	.	PUNCT
easat-9950	264	1	anticipating	anticipate	VERB
easat-9950	264	2	user	user	NOUN
easat-9950	264	3	behavior	behavior	NOUN
easat-9950	264	4	underpins	underpin	VERB
easat-9950	264	5	the	the	DET
easat-9950	264	6	development	development	NOUN
easat-9950	264	7	of	of	ADP
easat-9950	264	8	application	application	NOUN
easat-9950	264	9	components	component	NOUN
easat-9950	264	10	and	and	CCONJ
easat-9950	264	11	guides	guide	VERB
easat-9950	264	12	the	the	DET
easat-9950	264	13	architecture	architecture	NOUN
easat-9950	264	14	of	of	ADP
easat-9950	264	15	mobile	mobile	ADJ
easat-9950	264	16	banking	banking	NOUN
easat-9950	264	17	webpages	webpage	NOUN
easat-9950	264	18	,	,	PUNCT
easat-9950	264	19	facilitating	facilitate	VERB
easat-9950	264	20	effective	effective	ADJ
easat-9950	264	21	integration	integration	NOUN
easat-9950	264	22	with	with	ADP
easat-9950	264	23	back	back	ADJ
easat-9950	264	24	-	-	PUNCT
easat-9950	264	25	end	end	NOUN
easat-9950	264	26	services	service	NOUN
easat-9950	264	27	.	.	PUNCT
easat-9950	265	1	accurate	accurate	ADJ
easat-9950	265	2	models	model	NOUN
easat-9950	265	3	enable	enable	VERB
easat-9950	265	4	banks	bank	NOUN
easat-9950	265	5	to	to	PART
easat-9950	265	6	tailor	tailor	VERB
easat-9950	265	7	services	service	NOUN
easat-9950	265	8	to	to	ADP
easat-9950	265	9	customer	customer	NOUN
easat-9950	265	10	needs	need	NOUN
easat-9950	265	11	and	and	CCONJ
easat-9950	265	12	expectations	expectation	NOUN
easat-9950	265	13	.	.	PUNCT
easat-9950	266	1	8	8	X
easat-9950	266	2	.	.	X
easat-9950	266	3	comparative	comparative	ADJ
easat-9950	266	4	analysis	analysis	NOUN
easat-9950	266	5	with	with	ADP
easat-9950	266	6	other	other	ADJ
easat-9950	266	7	countries	country	NOUN
easat-9950	266	8	mobile	mobile	ADJ
easat-9950	266	9	banking	banking	NOUN
easat-9950	266	10	continues	continue	VERB
easat-9950	266	11	to	to	PART
easat-9950	266	12	expand	expand	VERB
easat-9950	266	13	at	at	ADP
easat-9950	266	14	a	a	DET
easat-9950	266	15	rapid	rapid	ADJ
easat-9950	266	16	pace	pace	NOUN
easat-9950	266	17	in	in	ADP
easat-9950	266	18	europe	europe	PROPN
easat-9950	266	19	,	,	PUNCT
easat-9950	266	20	and	and	CCONJ
easat-9950	266	21	the	the	DET
easat-9950	266	22	situation	situation	NOUN
easat-9950	266	23	in	in	ADP
easat-9950	266	24	greece	greece	PROPN
easat-9950	266	25	is	be	AUX
easat-9950	266	26	no	no	ADV
easat-9950	266	27	different	different	ADJ
easat-9950	266	28	:	:	PUNCT
easat-9950	266	29	demand	demand	NOUN
easat-9950	266	30	is	be	AUX
easat-9950	266	31	rising	rise	VERB
easat-9950	266	32	fast	fast	ADV
easat-9950	266	33	,	,	PUNCT
easat-9950	266	34	and	and	CCONJ
easat-9950	266	35	the	the	DET
easat-9950	266	36	expansion	expansion	NOUN
easat-9950	266	37	of	of	ADP
easat-9950	266	38	mobile	mobile	ADJ
easat-9950	266	39	internet	internet	NOUN
easat-9950	266	40	access	access	NOUN
easat-9950	266	41	is	be	AUX
easat-9950	266	42	boosting	boost	VERB
easat-9950	266	43	the	the	DET
easat-9950	266	44	adoption	adoption	NOUN
easat-9950	266	45	of	of	ADP
easat-9950	266	46	mobile	mobile	ADJ
easat-9950	266	47	financial	financial	ADJ
easat-9950	266	48	services	service	NOUN
easat-9950	266	49	.	.	PUNCT
easat-9950	267	1	greece	greece	PROPN
easat-9950	267	2	has	have	VERB
easat-9950	267	3	a	a	DET
easat-9950	267	4	high	high	ADJ
easat-9950	267	5	penetration	penetration	NOUN
easat-9950	267	6	of	of	ADP
easat-9950	267	7	mobile	mobile	NOUN
easat-9950	267	8	(	(	PUNCT
easat-9950	267	9	100	100	NUM
easat-9950	267	10	%	%	NOUN
easat-9950	267	11	)	)	PUNCT
easat-9950	267	12	,	,	PUNCT
easat-9950	267	13	with	with	ADP
easat-9950	267	14	more	more	ADJ
easat-9950	267	15	than	than	ADP
easat-9950	267	16	50	50	NUM
easat-9950	267	17	%	%	NOUN
easat-9950	267	18	of	of	ADP
easat-9950	267	19	customers	customer	NOUN
easat-9950	267	20	owning	own	VERB
easat-9950	267	21	a	a	DET
easat-9950	267	22	smartphone	smartphone	NOUN
easat-9950	267	23	and	and	CCONJ
easat-9950	267	24	substantial	substantial	ADJ
easat-9950	267	25	adoption	adoption	NOUN
easat-9950	267	26	of	of	ADP
easat-9950	267	27	mobile	mobile	ADJ
easat-9950	267	28	internet	internet	NOUN
easat-9950	267	29	(	(	PUNCT
easat-9950	267	30	>	>	SYM
easat-9950	267	31	40	40	NUM
easat-9950	267	32	%	%	NOUN
easat-9950	267	33	)	)	PUNCT
easat-9950	267	34	.	.	PUNCT
easat-9950	268	1	however	however	ADV
easat-9950	268	2	,	,	PUNCT
easat-9950	268	3	the	the	DET
easat-9950	268	4	country	country	NOUN
easat-9950	268	5	has	have	VERB
easat-9950	268	6	a	a	DET
easat-9950	268	7	low	low	ADJ
easat-9950	268	8	uptake	uptake	NOUN
easat-9950	268	9	of	of	ADP
easat-9950	268	10	financial	financial	ADJ
easat-9950	268	11	services	service	NOUN
easat-9950	268	12	relative	relative	ADJ
easat-9950	268	13	to	to	ADP
easat-9950	268	14	the	the	DET
easat-9950	268	15	rest	rest	NOUN
easat-9950	268	16	of	of	ADP
easat-9950	268	17	europe	europe	PROPN
easat-9950	268	18	,	,	PUNCT
easat-9950	268	19	with	with	ADP
easat-9950	268	20	penetration	penetration	NOUN
easat-9950	268	21	rates	rate	NOUN
easat-9950	268	22	for	for	ADP
easat-9950	268	23	active	active	ADJ
easat-9950	268	24	mobile	mobile	ADJ
easat-9950	268	25	banking	banking	NOUN
easat-9950	268	26	at	at	ADP
easat-9950	268	27	just	just	ADV
easat-9950	268	28	over	over	ADP
easat-9950	268	29	10	10	NUM
easat-9950	268	30	%	%	NOUN
easat-9950	268	31	,	,	PUNCT
easat-9950	268	32	while	while	SCONJ
easat-9950	268	33	the	the	DET
easat-9950	268	34	average	average	NOUN
easat-9950	268	35	across	across	ADP
easat-9950	268	36	europe	europe	PROPN
easat-9950	268	37	is	be	AUX
easat-9950	268	38	30	30	NUM
easat-9950	268	39	%	%	NOUN
easat-9950	268	40	.	.	PUNCT
easat-9950	269	1	greece	greece	PROPN
easat-9950	269	2	therefore	therefore	ADV
easat-9950	269	3	has	have	VERB
easat-9950	269	4	the	the	DET
easat-9950	269	5	potential	potential	NOUN
easat-9950	269	6	to	to	PART
easat-9950	269	7	increase	increase	VERB
easat-9950	269	8	active	active	ADJ
easat-9950	269	9	mobile	mobile	ADJ
easat-9950	269	10	-	-	PUNCT
easat-9950	269	11	banking	banking	NOUN
easat-9950	269	12	penetration	penetration	NOUN
easat-9950	269	13	substantially	substantially	ADV
easat-9950	269	14	.	.	PUNCT
easat-9950	270	1	greek	greek	ADJ
easat-9950	270	2	banks	bank	NOUN
easat-9950	270	3	recognize	recognize	VERB
easat-9950	270	4	the	the	DET
easat-9950	270	5	need	need	NOUN
easat-9950	270	6	to	to	PART
easat-9950	270	7	improve	improve	VERB
easat-9950	270	8	their	their	PRON
easat-9950	270	9	mobile	mobile	ADJ
easat-9950	270	10	-	-	PUNCT
easat-9950	270	11	banking	banking	NOUN
easat-9950	270	12	offerings	offering	NOUN
easat-9950	270	13	,	,	PUNCT
easat-9950	270	14	not	not	PART
easat-9950	270	15	only	only	ADV
easat-9950	270	16	to	to	PART
easat-9950	270	17	increase	increase	VERB
easat-9950	270	18	adoption	adoption	NOUN
easat-9950	270	19	postulated	postulate	VERB
easat-9950	270	20	by	by	ADP
easat-9950	270	21	current	current	ADJ
easat-9950	270	22	mobile	mobile	ADJ
easat-9950	270	23	internet	internet	NOUN
easat-9950	270	24	trends	trend	NOUN
easat-9950	270	25	but	but	CCONJ
easat-9950	270	26	also	also	ADV
easat-9950	270	27	to	to	PART
easat-9950	270	28	counteract	counteract	VERB
easat-9950	270	29	declining	decline	VERB
easat-9950	270	30	traffic	traffic	NOUN
easat-9950	270	31	through	through	ADP
easat-9950	270	32	alternative	alternative	ADJ
easat-9950	270	33	channels	channel	NOUN
easat-9950	270	34	.	.	PUNCT
easat-9950	271	1	nonetheless	nonetheless	ADV
easat-9950	271	2	,	,	PUNCT
easat-9950	271	3	they	they	PRON
easat-9950	271	4	are	be	AUX
easat-9950	271	5	aware	aware	ADJ
easat-9950	271	6	that	that	SCONJ
easat-9950	271	7	,	,	PUNCT
easat-9950	271	8	before	before	ADP
easat-9950	271	9	implementing	implement	VERB
easat-9950	271	10	fully	fully	ADV
easat-9950	271	11	fledged	fledged	ADJ
easat-9950	271	12	mobile	mobile	ADJ
easat-9950	271	13	-	-	PUNCT
easat-9950	271	14	banking	banking	NOUN
easat-9950	271	15	strategies	strategy	NOUN
easat-9950	271	16	,	,	PUNCT
easat-9950	271	17	they	they	PRON
easat-9950	271	18	need	need	VERB
easat-9950	271	19	to	to	PART
easat-9950	271	20	address	address	VERB
easat-9950	271	21	the	the	DET
easat-9950	271	22	core	core	ADJ
easat-9950	271	23	issues	issue	NOUN
easat-9950	271	24	on	on	ADP
easat-9950	271	25	supply	supply	NOUN
easat-9950	271	26	and	and	CCONJ
easat-9950	271	27	demand	demand	NOUN
easat-9950	271	28	.	.	PUNCT
easat-9950	272	1	greek	greek	ADJ
easat-9950	272	2	banks	bank	NOUN
easat-9950	272	3	could	could	AUX
easat-9950	272	4	learn	learn	VERB
easat-9950	272	5	from	from	ADP
easat-9950	272	6	countries	country	NOUN
easat-9950	272	7	with	with	ADP
easat-9950	272	8	more	more	ADJ
easat-9950	272	9	experience	experience	NOUN
easat-9950	272	10	in	in	ADP
easat-9950	272	11	mobile	mobile	ADJ
easat-9950	272	12	banking	banking	NOUN
easat-9950	272	13	and	and	CCONJ
easat-9950	272	14	secure	secure	VERB
easat-9950	272	15	a	a	DET
easat-9950	272	16	competitive	competitive	ADJ
easat-9950	272	17	advantage	advantage	NOUN
easat-9950	272	18	by	by	ADP
easat-9950	272	19	timely	timely	ADV
easat-9950	272	20	and	and	CCONJ
easat-9950	272	21	strategically	strategically	ADV
easat-9950	272	22	addressing	address	VERB
easat-9950	272	23	past	past	ADJ
easat-9950	272	24	mistakes	mistake	NOUN
easat-9950	272	25	and	and	CCONJ
easat-9950	272	26	aligning	align	VERB
easat-9950	272	27	closely	closely	ADV
easat-9950	272	28	with	with	ADP
easat-9950	272	29	the	the	DET
easat-9950	272	30	emerging	emerge	VERB
easat-9950	272	31	requirements	requirement	NOUN
easat-9950	272	32	of	of	ADP
easat-9950	272	33	the	the	DET
easat-9950	272	34	market	market	NOUN
easat-9950	272	35	.	.	PUNCT
easat-9950	273	1	banks	bank	NOUN
easat-9950	273	2	in	in	ADP
easat-9950	273	3	other	other	ADJ
easat-9950	273	4	countries	country	NOUN
easat-9950	273	5	have	have	AUX
easat-9950	273	6	been	be	AUX
easat-9950	273	7	working	work	VERB
easat-9950	273	8	on	on	ADP
easat-9950	273	9	mobile	mobile	ADJ
easat-9950	273	10	-	-	PUNCT
easat-9950	273	11	banking	banking	NOUN
easat-9950	273	12	strategies	strategy	NOUN
easat-9950	273	13	for	for	ADP
easat-9950	273	14	many	many	ADJ
easat-9950	273	15	years	year	NOUN
easat-9950	273	16	and	and	CCONJ
easat-9950	273	17	have	have	AUX
easat-9950	273	18	thus	thus	ADV
easat-9950	273	19	gained	gain	VERB
easat-9950	273	20	valuable	valuable	ADJ
easat-9950	273	21	insight	insight	NOUN
easat-9950	273	22	that	that	PRON
easat-9950	273	23	can	can	AUX
easat-9950	273	24	be	be	AUX
easat-9950	273	25	adopted	adopt	VERB
easat-9950	273	26	in	in	ADP
easat-9950	273	27	the	the	DET
easat-9950	273	28	greek	greek	ADJ
easat-9950	273	29	context	context	NOUN
easat-9950	273	30	without	without	ADP
easat-9950	273	31	any	any	DET
easat-9950	273	32	additional	additional	ADJ
easat-9950	273	33	market	market	NOUN
easat-9950	273	34	research	research	NOUN
easat-9950	273	35	,	,	PUNCT
easat-9950	273	36	allowing	allow	VERB
easat-9950	273	37	the	the	DET
easat-9950	273	38	banks	bank	NOUN
easat-9950	273	39	to	to	PART
easat-9950	273	40	focus	focus	VERB
easat-9950	273	41	on	on	ADP
easat-9950	273	42	the	the	DET
easat-9950	273	43	development	development	NOUN
easat-9950	273	44	of	of	ADP
easat-9950	273	45	innovative	innovative	ADJ
easat-9950	273	46	functions	function	NOUN
easat-9950	273	47	and	and	CCONJ
easat-9950	273	48	adequate	adequate	ADJ
easat-9950	273	49	offers	offer	NOUN
easat-9950	273	50	.	.	PUNCT
easat-9950	274	1	in	in	ADP
easat-9950	274	2	the	the	DET
easat-9950	274	3	early	early	ADJ
easat-9950	274	4	stages	stage	NOUN
easat-9950	274	5	of	of	ADP
easat-9950	274	6	mobile	mobile	ADJ
easat-9950	274	7	-	-	PUNCT
easat-9950	274	8	banking	banking	NOUN
easat-9950	274	9	development	development	NOUN
easat-9950	274	10	,	,	PUNCT
easat-9950	274	11	the	the	DET
easat-9950	274	12	emphasis	emphasis	NOUN
easat-9950	274	13	was	be	AUX
easat-9950	274	14	on	on	ADP
easat-9950	274	15	the	the	DET
easat-9950	274	16	availability	availability	NOUN
easat-9950	274	17	of	of	ADP
easat-9950	274	18	multifunctional	multifunctional	ADJ
easat-9950	274	19	applications	application	NOUN
easat-9950	274	20	,	,	PUNCT
easat-9950	274	21	and	and	CCONJ
easat-9950	274	22	adoption	adoption	NOUN
easat-9950	274	23	increased	increase	VERB
easat-9950	274	24	rapidly	rapidly	ADV
easat-9950	274	25	when	when	SCONJ
easat-9950	274	26	these	these	PRON
easat-9950	274	27	offered	offer	VERB
easat-9950	274	28	functionalities	functionality	NOUN
easat-9950	274	29	beyond	beyond	ADP
easat-9950	274	30	simple	simple	ADJ
easat-9950	274	31	stock	stock	NOUN
easat-9950	274	32	quotes	quote	NOUN
easat-9950	274	33	.	.	PUNCT
easat-9950	275	1	the	the	DET
easat-9950	275	2	services	service	NOUN
easat-9950	275	3	offered	offer	VERB
easat-9950	275	4	should	should	AUX
easat-9950	275	5	therefore	therefore	ADV
easat-9950	275	6	be	be	AUX
easat-9950	275	7	multi	multi	ADJ
easat-9950	275	8	-	-	ADJ
easat-9950	275	9	channel	channel	NOUN
easat-9950	275	10	and	and	CCONJ
easat-9950	275	11	designed	design	VERB
easat-9950	275	12	to	to	PART
easat-9950	275	13	fully	fully	ADV
easat-9950	275	14	complement	complement	VERB
easat-9950	275	15	each	each	DET
easat-9950	275	16	other	other	ADJ
easat-9950	275	17	[	[	X
easat-9950	275	18	11	11	NUM
easat-9950	275	19	]	]	PUNCT
easat-9950	275	20	.	.	PUNCT
easat-9950	276	1	in	in	ADP
easat-9950	276	2	classic	classic	ADJ
easat-9950	276	3	e	e	NOUN
easat-9950	276	4	-	-	NOUN
easat-9950	276	5	banking	banking	NOUN
easat-9950	276	6	,	,	PUNCT
easat-9950	276	7	greek	greek	ADJ
easat-9950	276	8	consumers	consumer	NOUN
easat-9950	276	9	show	show	VERB
easat-9950	276	10	extreme	extreme	ADJ
easat-9950	276	11	caution	caution	NOUN
easat-9950	276	12	.	.	PUNCT
easat-9950	277	1	in	in	ADP
easat-9950	277	2	many	many	ADJ
easat-9950	277	3	cases	case	NOUN
easat-9950	277	4	,	,	PUNCT
easat-9950	277	5	the	the	DET
easat-9950	277	6	customers	customer	NOUN
easat-9950	277	7	who	who	PRON
easat-9950	277	8	do	do	AUX
easat-9950	277	9	use	use	VERB
easat-9950	277	10	commercial	commercial	ADJ
easat-9950	277	11	internet	internet	NOUN
easat-9950	277	12	banking	banking	NOUN
easat-9950	277	13	avoid	avoid	VERB
easat-9950	277	14	transactions	transaction	NOUN
easat-9950	277	15	that	that	PRON
easat-9950	277	16	require	require	VERB
easat-9950	277	17	authorizations	authorization	NOUN
easat-9950	277	18	and	and	CCONJ
easat-9950	277	19	opt	opt	NOUN
easat-9950	277	20	for	for	ADP
easat-9950	277	21	simple	simple	ADJ
easat-9950	277	22	stock	stock	NOUN
easat-9950	277	23	quotes	quote	NOUN
easat-9950	277	24	or	or	CCONJ
easat-9950	277	25	order	order	NOUN
easat-9950	277	26	histories	history	NOUN
easat-9950	277	27	,	,	PUNCT
easat-9950	277	28	mirroring	mirror	VERB
easat-9950	277	29	the	the	DET
easat-9950	277	30	initial	initial	ADJ
easat-9950	277	31	development	development	NOUN
easat-9950	277	32	of	of	ADP
easat-9950	277	33	mobile	mobile	ADJ
easat-9950	277	34	banking	banking	NOUN
easat-9950	277	35	in	in	ADP
easat-9950	277	36	other	other	ADJ
easat-9950	277	37	markets	market	NOUN
easat-9950	277	38	.	.	PUNCT
easat-9950	278	1	a	a	DET
easat-9950	278	2	direct	direct	ADJ
easat-9950	278	3	correlation	correlation	NOUN
easat-9950	278	4	is	be	AUX
easat-9950	278	5	evident	evident	ADJ
easat-9950	278	6	between	between	ADP
easat-9950	278	7	concerns	concern	NOUN
easat-9950	278	8	about	about	ADP
easat-9950	278	9	the	the	DET
easat-9950	278	10	security	security	NOUN
easat-9950	278	11	of	of	ADP
easat-9950	278	12	personal	personal	ADJ
easat-9950	278	13	and	and	CCONJ
easat-9950	278	14	financial	financial	ADJ
easat-9950	278	15	information	information	NOUN
easat-9950	278	16	and	and	CCONJ
easat-9950	278	17	the	the	DET
easat-9950	278	18	likelihood	likelihood	NOUN
easat-9950	278	19	of	of	ADP
easat-9950	278	20	using	use	VERB
easat-9950	278	21	internet	internet	NOUN
easat-9950	278	22	banking	banking	NOUN
easat-9950	278	23	.	.	PUNCT
easat-9950	279	1	these	these	DET
easat-9950	279	2	concerns	concern	NOUN
easat-9950	279	3	are	be	AUX
easat-9950	279	4	mainly	mainly	ADV
easat-9950	279	5	focused	focus	VERB
easat-9950	279	6	on	on	ADP
easat-9950	279	7	the	the	DET
easat-9950	279	8	misuse	misuse	NOUN
easat-9950	279	9	of	of	ADP
easat-9950	279	10	personal	personal	ADJ
easat-9950	279	11	data	datum	NOUN
easat-9950	279	12	;	;	PUNCT
easat-9950	279	13	the	the	DET
easat-9950	279	14	loss	loss	NOUN
easat-9950	279	15	of	of	ADP
easat-9950	279	16	information	information	NOUN
easat-9950	279	17	,	,	PUNCT
easat-9950	279	18	assets	asset	NOUN
easat-9950	279	19	,	,	PUNCT
easat-9950	279	20	and	and	CCONJ
easat-9950	279	21	money	money	NOUN
easat-9950	279	22	;	;	PUNCT
easat-9950	279	23	and	and	CCONJ
easat-9950	279	24	feelings	feeling	NOUN
easat-9950	279	25	of	of	ADP
easat-9950	279	26	insecurity	insecurity	NOUN
easat-9950	279	27	about	about	ADP
easat-9950	279	28	the	the	DET
easat-9950	279	29	internet	internet	NOUN
easat-9950	279	30	[	[	X
easat-9950	279	31	1	1	NUM
easat-9950	279	32	]	]	PUNCT
easat-9950	279	33	.	.	PUNCT
easat-9950	280	1	the	the	DET
easat-9950	280	2	implementation	implementation	NOUN
easat-9950	280	3	of	of	ADP
easat-9950	280	4	multifactor	multifactor	NOUN
easat-9950	280	5	authentication	authentication	NOUN
easat-9950	280	6	mechanisms	mechanism	NOUN
easat-9950	280	7	and	and	CCONJ
easat-9950	280	8	triple	triple	ADJ
easat-9950	280	9	encryption	encryption	NOUN
easat-9950	280	10	would	would	AUX
easat-9950	280	11	reduce	reduce	VERB
easat-9950	280	12	the	the	DET
easat-9950	280	13	perception	perception	NOUN
easat-9950	280	14	of	of	ADP
easat-9950	280	15	internet	internet	NOUN
easat-9950	280	16	-	-	PUNCT
easat-9950	280	17	banking	banking	NOUN
easat-9950	280	18	risk	risk	NOUN
easat-9950	280	19	,	,	PUNCT
easat-9950	280	20	which	which	PRON
easat-9950	280	21	forms	form	VERB
easat-9950	280	22	the	the	DET
easat-9950	280	23	foundation	foundation	NOUN
easat-9950	280	24	of	of	ADP
easat-9950	280	25	mobile	mobile	ADJ
easat-9950	280	26	financial	financial	ADJ
easat-9950	280	27	services	service	NOUN
easat-9950	280	28	and	and	CCONJ
easat-9950	280	29	could	could	AUX
easat-9950	280	30	significantly	significantly	ADV
easat-9950	280	31	increase	increase	VERB
easat-9950	280	32	adoption	adoption	NOUN
easat-9950	280	33	.	.	PUNCT
easat-9950	281	1	the	the	DET
easat-9950	281	2	lack	lack	NOUN
easat-9950	281	3	of	of	ADP
easat-9950	281	4	suitable	suitable	ADJ
easat-9950	281	5	terminals	terminal	NOUN
easat-9950	281	6	supporting	support	VERB
easat-9950	281	7	payments	payment	NOUN
easat-9950	281	8	is	be	AUX
easat-9950	281	9	universally	universally	ADV
easat-9950	281	10	recognized	recognize	VERB
easat-9950	281	11	as	as	ADP
easat-9950	281	12	one	one	NUM
easat-9950	281	13	of	of	ADP
easat-9950	281	14	the	the	DET
easat-9950	281	15	most	most	ADV
easat-9950	281	16	important	important	ADJ
easat-9950	281	17	factors	factor	NOUN
easat-9950	281	18	constraining	constrain	VERB
easat-9950	281	19	the	the	DET
easat-9950	281	20	development	development	NOUN
easat-9950	281	21	of	of	ADP
easat-9950	281	22	mobile	mobile	ADJ
easat-9950	281	23	payments	payment	NOUN
easat-9950	281	24	.	.	PUNCT
easat-9950	282	1	greece	greece	PROPN
easat-9950	282	2	clearly	clearly	ADV
easat-9950	282	3	fits	fit	VERB
easat-9950	282	4	this	this	DET
easat-9950	282	5	criterion	criterion	NOUN
easat-9950	282	6	,	,	PUNCT
easat-9950	282	7	with	with	ADP
easat-9950	282	8	only	only	ADV
easat-9950	282	9	very	very	ADV
easat-9950	282	10	limited	limited	ADJ
easat-9950	282	11	acceptance	acceptance	NOUN
easat-9950	282	12	,	,	PUNCT
easat-9950	282	13	making	make	VERB
easat-9950	282	14	the	the	DET
easat-9950	282	15	roll	roll	NOUN
easat-9950	282	16	out	out	ADP
easat-9950	282	17	of	of	ADP
easat-9950	282	18	card	card	NOUN
easat-9950	282	19	-	-	PUNCT
easat-9950	282	20	free	free	ADJ
easat-9950	282	21	solutions	solution	NOUN
easat-9950	282	22	difficult	difficult	ADJ
easat-9950	282	23	.	.	PUNCT
easat-9950	283	1	the	the	DET
easat-9950	283	2	availability	availability	NOUN
easat-9950	283	3	of	of	ADP
easat-9950	283	4	simple	simple	ADJ
easat-9950	283	5	and	and	CCONJ
easat-9950	283	6	accessible	accessible	ADJ
easat-9950	283	7	solutions	solution	NOUN
easat-9950	283	8	that	that	PRON
easat-9950	283	9	address	address	VERB
easat-9950	283	10	the	the	DET
easat-9950	283	11	absence	absence	NOUN
easat-9950	283	12	of	of	ADP
easat-9950	283	13	home	home	NOUN
easat-9950	283	14	broadband	broadband	NOUN
easat-9950	283	15	(	(	PUNCT
easat-9950	283	16	e.g.	e.g.	ADV
easat-9950	283	17	,	,	PUNCT
easat-9950	283	18	prepaid	prepay	VERB
easat-9950	283	19	dedicated	dedicated	ADJ
easat-9950	283	20	data	datum	NOUN
easat-9950	283	21	cards	card	NOUN
easat-9950	283	22	)	)	PUNCT
easat-9950	283	23	is	be	AUX
easat-9950	283	24	crucial	crucial	ADJ
easat-9950	283	25	to	to	ADP
easat-9950	283	26	increasing	increase	VERB
easat-9950	283	27	adoption	adoption	NOUN
easat-9950	283	28	.	.	PUNCT
easat-9950	284	1	the	the	DET
easat-9950	284	2	impact	impact	NOUN
easat-9950	284	3	of	of	ADP
easat-9950	284	4	these	these	DET
easat-9950	284	5	solutions	solution	NOUN
easat-9950	284	6	has	have	AUX
easat-9950	284	7	been	be	AUX
easat-9950	284	8	demonstrated	demonstrate	VERB
easat-9950	284	9	in	in	ADP
easat-9950	284	10	markets	market	NOUN
easat-9950	284	11	such	such	ADJ
easat-9950	284	12	as	as	ADP
easat-9950	284	13	france	france	PROPN
easat-9950	284	14	,	,	PUNCT
easat-9950	284	15	where	where	SCONJ
easat-9950	284	16	out	out	ADV
easat-9950	284	17	-	-	PUNCT
easat-9950	284	18	of	of	ADP
easat-9950	284	19	-	-	PUNCT
easat-9950	284	20	home	home	NOUN
easat-9950	284	21	usage	usage	NOUN
easat-9950	284	22	is	be	AUX
easat-9950	284	23	particularly	particularly	ADV
easat-9950	284	24	relevant	relevant	ADJ
easat-9950	284	25	.	.	PUNCT
easat-9950	285	1	the	the	DET
easat-9950	285	2	maturity	maturity	NOUN
easat-9950	285	3	and	and	CCONJ
easat-9950	285	4	security	security	NOUN
easat-9950	285	5	of	of	ADP
easat-9950	285	6	solutions	solution	NOUN
easat-9950	285	7	for	for	ADP
easat-9950	285	8	the	the	DET
easat-9950	285	9	key	key	ADJ
easat-9950	285	10	steps	step	NOUN
easat-9950	285	11	of	of	ADP
easat-9950	285	12	payment	payment	NOUN
easat-9950	285	13	and	and	CCONJ
easat-9950	285	14	clearing	clearing	NOUN
easat-9950	285	15	can	can	AUX
easat-9950	285	16	provide	provide	VERB
easat-9950	285	17	the	the	DET
easat-9950	285	18	basis	basis	NOUN
easat-9950	285	19	for	for	ADP
easat-9950	285	20	the	the	DET
easat-9950	285	21	widespread	widespread	ADJ
easat-9950	285	22	adoption	adoption	NOUN
easat-9950	285	23	of	of	ADP
easat-9950	285	24	technology	technology	NOUN
easat-9950	285	25	.	.	PUNCT
easat-9950	286	1	greece	greece	PROPN
easat-9950	286	2	has	have	VERB
easat-9950	286	3	yet	yet	ADV
easat-9950	286	4	to	to	PART
easat-9950	286	5	develop	develop	VERB
easat-9950	286	6	a	a	DET
easat-9950	286	7	clear	clear	ADJ
easat-9950	286	8	regulatory	regulatory	ADJ
easat-9950	286	9	framework	framework	NOUN
easat-9950	286	10	covering	cover	VERB
easat-9950	286	11	mobile	mobile	ADJ
easat-9950	286	12	payments	payment	NOUN
easat-9950	286	13	and	and	CCONJ
easat-9950	286	14	e	e	NOUN
easat-9950	286	15	-	-	NOUN
easat-9950	286	16	money	money	NOUN
easat-9950	286	17	.	.	PUNCT
easat-9950	287	1	offering	offer	VERB
easat-9950	287	2	clear	clear	ADJ
easat-9950	287	3	and	and	CCONJ
easat-9950	287	4	consistent	consistent	ADJ
easat-9950	287	5	architecture	architecture	NOUN
easat-9950	287	6	to	to	PART
easat-9950	287	7	provide	provide	VERB
easat-9950	287	8	regulatory	regulatory	ADJ
easat-9950	287	9	guidelines	guideline	NOUN
easat-9950	287	10	would	would	AUX
easat-9950	287	11	help	help	VERB
easat-9950	287	12	eliminate	eliminate	VERB
easat-9950	287	13	the	the	DET
easat-9950	287	14	excessive	excessive	ADJ
easat-9950	287	15	fragmentation	fragmentation	NOUN
easat-9950	287	16	that	that	PRON
easat-9950	287	17	currently	currently	ADV
easat-9950	287	18	prevails	prevail	VERB
easat-9950	287	19	and	and	CCONJ
easat-9950	287	20	would	would	AUX
easat-9950	287	21	help	help	VERB
easat-9950	287	22	provide	provide	VERB
easat-9950	287	23	a	a	DET
easat-9950	287	24	commercial	commercial	ADJ
easat-9950	287	25	basis	basis	NOUN
easat-9950	287	26	for	for	ADP
easat-9950	287	27	growth	growth	NOUN
easat-9950	287	28	8.1	8.1	NUM
easat-9950	287	29	.	.	PUNCT
easat-9950	288	1	mobile	mobile	ADJ
easat-9950	288	2	banking	banking	NOUN
easat-9950	288	3	in	in	ADP
easat-9950	288	4	the	the	DET
easat-9950	288	5	eu	eu	PROPN
easat-9950	288	6	mobile	mobile	ADJ
easat-9950	288	7	banking	banking	NOUN
easat-9950	288	8	constitutes	constitute	VERB
easat-9950	288	9	an	an	DET
easat-9950	288	10	essential	essential	ADJ
easat-9950	288	11	phenomenon	phenomenon	NOUN
easat-9950	288	12	within	within	ADP
easat-9950	288	13	the	the	DET
easat-9950	288	14	current	current	ADJ
easat-9950	288	15	digital	digital	ADJ
easat-9950	288	16	transformation	transformation	NOUN
easat-9950	288	17	of	of	ADP
easat-9950	288	18	greek	greek	ADJ
easat-9950	288	19	enterprises	enterprise	NOUN
easat-9950	288	20	.	.	PUNCT
easat-9950	289	1	at	at	ADP
easat-9950	289	2	the	the	DET
easat-9950	289	3	european	european	ADJ
easat-9950	289	4	level	level	NOUN
easat-9950	289	5	,	,	PUNCT
easat-9950	289	6	statistics	statistic	NOUN
easat-9950	289	7	indicate	indicate	VERB
easat-9950	289	8	that	that	SCONJ
easat-9950	289	9	approximately	approximately	ADV
easat-9950	289	10	half	half	NOUN
easat-9950	289	11	of	of	ADP
easat-9950	289	12	internet	internet	NOUN
easat-9950	289	13	users	user	NOUN
easat-9950	289	14	in	in	ADP
easat-9950	289	15	710	710	NUM
easat-9950	289	16	edelweiss	edelweiss	PROPN
easat-9950	289	17	applied	apply	VERB
easat-9950	289	18	science	science	NOUN
easat-9950	289	19	and	and	CCONJ
easat-9950	289	20	technology	technology	NOUN
easat-9950	289	21	issn	issn	PROPN
easat-9950	289	22	:	:	PUNCT
easat-9950	289	23	2576	2576	NUM
easat-9950	289	24	-	-	SYM
easat-9950	289	25	8484	8484	NUM
easat-9950	289	26	vol	vol	NOUN
easat-9950	289	27	.	.	PROPN
easat-9950	290	1	9	9	NUM
easat-9950	290	2	,	,	PUNCT
easat-9950	290	3	no	no	INTJ
easat-9950	290	4	.	.	NOUN
easat-9950	290	5	9	9	NUM
easat-9950	290	6	:	:	PUNCT
easat-9950	290	7	699	699	NUM
easat-9950	290	8	-	-	SYM
easat-9950	290	9	714	714	NUM
easat-9950	290	10	,	,	PUNCT
easat-9950	290	11	2025	2025	NUM
easat-9950	290	12	doi	doi	NOUN
easat-9950	290	13	:	:	PUNCT
easat-9950	290	14	10.55214/2576	10.55214/2576	NUM
easat-9950	290	15	-	-	SYM
easat-9950	290	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	291	1	©	©	PROPN
easat-9950	291	2	2025	2025	NUM
easat-9950	291	3	by	by	ADP
easat-9950	291	4	the	the	DET
easat-9950	291	5	authors	author	NOUN
easat-9950	291	6	;	;	PUNCT
easat-9950	291	7	licensee	licensee	PROPN
easat-9950	291	8	learning	learning	NOUN
easat-9950	291	9	gate	gate	VERB
easat-9950	291	10	the	the	DET
easat-9950	291	11	european	european	PROPN
easat-9950	291	12	union	union	PROPN
easat-9950	291	13	conduct	conduct	VERB
easat-9950	291	14	online	online	ADJ
easat-9950	291	15	banking	banking	NOUN
easat-9950	291	16	,	,	PUNCT
easat-9950	291	17	and	and	CCONJ
easat-9950	291	18	a	a	DET
easat-9950	291	19	quarter	quarter	NOUN
easat-9950	291	20	manage	manage	VERB
easat-9950	291	21	their	their	PRON
easat-9950	291	22	accounts	account	NOUN
easat-9950	291	23	via	via	ADP
easat-9950	291	24	smartphones	smartphone	NOUN
easat-9950	291	25	or	or	CCONJ
easat-9950	291	26	tablets	tablet	NOUN
easat-9950	291	27	.	.	PUNCT
easat-9950	292	1	8.2	8.2	NUM
easat-9950	292	2	.	.	PUNCT
easat-9950	292	3	global	global	ADJ
easat-9950	292	4	trends	trend	NOUN
easat-9950	292	5	and	and	CCONJ
easat-9950	292	6	innovations	innovation	NOUN
easat-9950	292	7	the	the	DET
easat-9950	292	8	world	world	NOUN
easat-9950	292	9	economy	economy	NOUN
easat-9950	292	10	is	be	AUX
easat-9950	292	11	dominated	dominate	VERB
easat-9950	292	12	by	by	ADP
easat-9950	292	13	multinational	multinational	ADJ
easat-9950	292	14	companies	company	NOUN
easat-9950	292	15	that	that	PRON
easat-9950	292	16	operate	operate	VERB
easat-9950	292	17	on	on	ADP
easat-9950	292	18	a	a	DET
easat-9950	292	19	global	global	ADJ
easat-9950	292	20	scale	scale	NOUN
easat-9950	292	21	.	.	PUNCT
easat-9950	293	1	in	in	ADP
easat-9950	293	2	order	order	NOUN
easat-9950	293	3	to	to	PART
easat-9950	293	4	expand	expand	VERB
easat-9950	293	5	their	their	PRON
easat-9950	293	6	operations	operation	NOUN
easat-9950	293	7	,	,	PUNCT
easat-9950	293	8	many	many	ADJ
easat-9950	293	9	companies	company	NOUN
easat-9950	293	10	implement	implement	VERB
easat-9950	293	11	a	a	DET
easat-9950	293	12	“	"	PUNCT
easat-9950	293	13	follow	follow	VERB
easat-9950	293	14	the	the	DET
easat-9950	293	15	customer	customer	NOUN
easat-9950	293	16	”	"	PUNCT
easat-9950	293	17	strategy	strategy	NOUN
easat-9950	293	18	,	,	PUNCT
easat-9950	293	19	which	which	PRON
easat-9950	293	20	means	mean	VERB
easat-9950	293	21	that	that	SCONJ
easat-9950	293	22	a	a	DET
easat-9950	293	23	company	company	NOUN
easat-9950	293	24	that	that	PRON
easat-9950	293	25	loses	lose	VERB
easat-9950	293	26	a	a	DET
easat-9950	293	27	customer	customer	NOUN
easat-9950	293	28	also	also	ADV
easat-9950	293	29	loses	lose	VERB
easat-9950	293	30	potential	potential	ADJ
easat-9950	293	31	future	future	ADJ
easat-9950	293	32	business	business	NOUN
easat-9950	293	33	from	from	ADP
easat-9950	293	34	this	this	DET
easat-9950	293	35	customer	customer	NOUN
easat-9950	293	36	.	.	PUNCT
easat-9950	294	1	to	to	PART
easat-9950	294	2	keep	keep	VERB
easat-9950	294	3	existing	exist	VERB
easat-9950	294	4	customers	customer	NOUN
easat-9950	294	5	and	and	CCONJ
easat-9950	294	6	attract	attract	VERB
easat-9950	294	7	new	new	ADJ
easat-9950	294	8	ones	one	NOUN
easat-9950	294	9	,	,	PUNCT
easat-9950	294	10	many	many	ADJ
easat-9950	294	11	companies	company	NOUN
easat-9950	294	12	have	have	AUX
easat-9950	294	13	implemented	implement	VERB
easat-9950	294	14	reverse	reverse	ADJ
easat-9950	294	15	logistics	logistic	NOUN
easat-9950	294	16	strategies	strategy	NOUN
easat-9950	294	17	to	to	PART
easat-9950	294	18	reduce	reduce	VERB
easat-9950	294	19	the	the	DET
easat-9950	294	20	cost	cost	NOUN
easat-9950	294	21	of	of	ADP
easat-9950	294	22	the	the	DET
easat-9950	294	23	outward	outward	ADJ
easat-9950	294	24	supply	supply	NOUN
easat-9950	294	25	chain	chain	NOUN
easat-9950	294	26	.	.	PUNCT
easat-9950	295	1	one	one	NUM
easat-9950	295	2	of	of	ADP
easat-9950	295	3	the	the	DET
easat-9950	295	4	major	major	ADJ
easat-9950	295	5	objectives	objective	NOUN
easat-9950	295	6	of	of	ADP
easat-9950	295	7	reverse	reverse	ADJ
easat-9950	295	8	logistics	logistic	NOUN
easat-9950	295	9	is	be	AUX
easat-9950	295	10	to	to	PART
easat-9950	295	11	achieve	achieve	VERB
easat-9950	295	12	a	a	DET
easat-9950	295	13	100	100	NUM
easat-9950	295	14	percent	percent	NOUN
easat-9950	295	15	excellent	excellent	ADJ
easat-9950	295	16	level	level	NOUN
easat-9950	295	17	of	of	ADP
easat-9950	295	18	service	service	NOUN
easat-9950	295	19	,	,	PUNCT
easat-9950	295	20	which	which	PRON
easat-9950	295	21	requires	require	VERB
easat-9950	295	22	providing	provide	VERB
easat-9950	295	23	customers	customer	NOUN
easat-9950	295	24	with	with	ADP
easat-9950	295	25	an	an	DET
easat-9950	295	26	efficient	efficient	ADJ
easat-9950	295	27	returns	return	NOUN
easat-9950	295	28	management	management	NOUN
easat-9950	295	29	system	system	NOUN
easat-9950	295	30	that	that	PRON
easat-9950	295	31	can	can	AUX
easat-9950	295	32	fulfil	fulfil	VERB
easat-9950	295	33	their	their	PRON
easat-9950	295	34	needs	need	NOUN
easat-9950	295	35	[	[	X
easat-9950	295	36	15	15	NUM
easat-9950	295	37	-	-	SYM
easat-9950	295	38	29	29	NUM
easat-9950	295	39	]	]	PUNCT
easat-9950	295	40	.	.	PUNCT
easat-9950	296	1	mobile	mobile	ADJ
easat-9950	296	2	phones	phone	NOUN
easat-9950	296	3	have	have	AUX
easat-9950	296	4	become	become	VERB
easat-9950	296	5	more	more	ADV
easat-9950	296	6	popular	popular	ADJ
easat-9950	296	7	than	than	ADP
easat-9950	296	8	any	any	DET
easat-9950	296	9	other	other	ADJ
easat-9950	296	10	electronic	electronic	ADJ
easat-9950	296	11	device	device	NOUN
easat-9950	296	12	,	,	PUNCT
easat-9950	296	13	surpassing	surpass	VERB
easat-9950	296	14	even	even	ADV
easat-9950	296	15	other	other	ADJ
easat-9950	296	16	media	medium	NOUN
easat-9950	296	17	such	such	ADJ
easat-9950	296	18	as	as	ADP
easat-9950	296	19	radio	radio	NOUN
easat-9950	296	20	and	and	CCONJ
easat-9950	296	21	television	television	NOUN
easat-9950	296	22	.	.	PUNCT
easat-9950	297	1	due	due	ADP
easat-9950	297	2	to	to	ADP
easat-9950	297	3	the	the	DET
easat-9950	297	4	rapid	rapid	ADJ
easat-9950	297	5	growth	growth	NOUN
easat-9950	297	6	of	of	ADP
easat-9950	297	7	smart	smart	ADJ
easat-9950	297	8	phones	phone	NOUN
easat-9950	297	9	,	,	PUNCT
easat-9950	297	10	the	the	DET
easat-9950	297	11	mobile	mobile	ADJ
easat-9950	297	12	application	application	NOUN
easat-9950	297	13	market	market	NOUN
easat-9950	297	14	is	be	AUX
easat-9950	297	15	also	also	ADV
easat-9950	297	16	expanding	expand	VERB
easat-9950	297	17	quickly	quickly	ADV
easat-9950	297	18	and	and	CCONJ
easat-9950	297	19	millions	million	NOUN
easat-9950	297	20	of	of	ADP
easat-9950	297	21	new	new	ADJ
easat-9950	297	22	applications	application	NOUN
easat-9950	297	23	are	be	AUX
easat-9950	297	24	being	be	AUX
easat-9950	297	25	developed	develop	VERB
easat-9950	297	26	for	for	ADP
easat-9950	297	27	different	different	ADJ
easat-9950	297	28	domains	domain	NOUN
easat-9950	297	29	such	such	ADJ
easat-9950	297	30	as	as	ADP
easat-9950	297	31	social	social	ADJ
easat-9950	297	32	networking	networking	NOUN
easat-9950	297	33	,	,	PUNCT
easat-9950	297	34	gaming	gaming	NOUN
easat-9950	297	35	,	,	PUNCT
easat-9950	297	36	business	business	NOUN
easat-9950	297	37	,	,	PUNCT
easat-9950	297	38	and	and	CCONJ
easat-9950	297	39	health	health	NOUN
easat-9950	298	1	[	[	X
easat-9950	298	2	1	1	NUM
easat-9950	298	3	]	]	PUNCT
easat-9950	298	4	.	.	PUNCT
easat-9950	299	1	mobile	mobile	ADJ
easat-9950	299	2	banking	banking	NOUN
easat-9950	299	3	,	,	PUNCT
easat-9950	299	4	or	or	CCONJ
easat-9950	299	5	m	m	NOUN
easat-9950	299	6	-	-	NOUN
easat-9950	299	7	banking	banking	NOUN
easat-9950	299	8	,	,	PUNCT
easat-9950	299	9	has	have	AUX
easat-9950	299	10	become	become	VERB
easat-9950	299	11	an	an	DET
easat-9950	299	12	increasingly	increasingly	ADV
easat-9950	299	13	important	important	ADJ
easat-9950	299	14	service	service	NOUN
easat-9950	299	15	,	,	PUNCT
easat-9950	299	16	allowing	allow	VERB
easat-9950	299	17	customers	customer	NOUN
easat-9950	299	18	to	to	PART
easat-9950	299	19	conduct	conduct	VERB
easat-9950	299	20	financial	financial	ADJ
easat-9950	299	21	transactions	transaction	NOUN
easat-9950	299	22	remotely	remotely	ADV
easat-9950	299	23	using	use	VERB
easat-9950	299	24	their	their	PRON
easat-9950	299	25	mobile	mobile	ADJ
easat-9950	299	26	devices	device	NOUN
easat-9950	299	27	.	.	PUNCT
easat-9950	300	1	mobile	mobile	ADJ
easat-9950	300	2	banking	banking	NOUN
easat-9950	300	3	services	service	NOUN
easat-9950	300	4	are	be	AUX
easat-9950	300	5	typically	typically	ADV
easat-9950	300	6	accessed	access	VERB
easat-9950	300	7	via	via	ADP
easat-9950	300	8	a	a	DET
easat-9950	300	9	dedicated	dedicated	ADJ
easat-9950	300	10	mobile	mobile	ADJ
easat-9950	300	11	website	website	NOUN
easat-9950	300	12	or	or	CCONJ
easat-9950	300	13	a	a	DET
easat-9950	300	14	specialized	specialized	ADJ
easat-9950	300	15	software	software	NOUN
easat-9950	300	16	application	application	NOUN
easat-9950	300	17	.	.	PUNCT
easat-9950	301	1	while	while	SCONJ
easat-9950	301	2	a	a	DET
easat-9950	301	3	multitude	multitude	NOUN
easat-9950	301	4	of	of	ADP
easat-9950	301	5	mobile	mobile	ADJ
easat-9950	301	6	applications	application	NOUN
easat-9950	301	7	spanning	span	VERB
easat-9950	301	8	various	various	ADJ
easat-9950	301	9	categories	category	NOUN
easat-9950	301	10	are	be	AUX
easat-9950	301	11	available	available	ADJ
easat-9950	301	12	,	,	PUNCT
easat-9950	301	13	mobile	mobile	ADJ
easat-9950	301	14	banking	banking	NOUN
easat-9950	301	15	remains	remain	VERB
easat-9950	301	16	one	one	NUM
easat-9950	301	17	of	of	ADP
easat-9950	301	18	the	the	DET
easat-9950	301	19	most	most	ADV
easat-9950	301	20	widely	widely	ADV
easat-9950	301	21	used	use	VERB
easat-9950	301	22	and	and	CCONJ
easat-9950	301	23	rapidly	rapidly	ADV
easat-9950	301	24	growing	grow	VERB
easat-9950	301	25	applications	application	NOUN
easat-9950	301	26	in	in	ADP
easat-9950	301	27	the	the	DET
easat-9950	301	28	mobile	mobile	ADJ
easat-9950	301	29	domain	domain	NOUN
easat-9950	301	30	.	.	PUNCT
easat-9950	302	1	several	several	ADJ
easat-9950	302	2	technical	technical	ADJ
easat-9950	302	3	components	component	NOUN
easat-9950	302	4	work	work	VERB
easat-9950	302	5	in	in	ADP
easat-9950	302	6	harmony	harmony	NOUN
easat-9950	302	7	to	to	PART
easat-9950	302	8	facilitate	facilitate	VERB
easat-9950	302	9	the	the	DET
easat-9950	302	10	integration	integration	NOUN
easat-9950	302	11	of	of	ADP
easat-9950	302	12	mobile	mobile	ADJ
easat-9950	302	13	applications	application	NOUN
easat-9950	302	14	with	with	ADP
easat-9950	302	15	online	online	ADJ
easat-9950	302	16	banking	banking	NOUN
easat-9950	302	17	,	,	PUNCT
easat-9950	302	18	encompassing	encompass	VERB
easat-9950	302	19	aspects	aspect	NOUN
easat-9950	302	20	such	such	ADJ
easat-9950	302	21	as	as	ADP
easat-9950	302	22	application	application	NOUN
easat-9950	302	23	protocol	protocol	NOUN
easat-9950	302	24	,	,	PUNCT
easat-9950	302	25	communication	communication	NOUN
easat-9950	302	26	and	and	CCONJ
easat-9950	302	27	security	security	NOUN
easat-9950	302	28	protocol	protocol	NOUN
easat-9950	302	29	,	,	PUNCT
easat-9950	302	30	supporting	support	VERB
easat-9950	302	31	systems	system	NOUN
easat-9950	302	32	,	,	PUNCT
easat-9950	302	33	and	and	CCONJ
easat-9950	302	34	standardization	standardization	NOUN
easat-9950	302	35	.	.	PUNCT
easat-9950	303	1	these	these	DET
easat-9950	303	2	components	component	NOUN
easat-9950	303	3	collectively	collectively	ADV
easat-9950	303	4	enable	enable	VERB
easat-9950	303	5	a	a	DET
easat-9950	303	6	seamless	seamless	ADJ
easat-9950	303	7	and	and	CCONJ
easat-9950	303	8	secure	secure	VERB
easat-9950	303	9	mobile	mobile	ADJ
easat-9950	303	10	banking	banking	NOUN
easat-9950	303	11	experience	experience	NOUN
easat-9950	303	12	,	,	PUNCT
easat-9950	303	13	ensuring	ensure	VERB
easat-9950	303	14	that	that	SCONJ
easat-9950	303	15	customers	customer	NOUN
easat-9950	303	16	can	can	AUX
easat-9950	303	17	conveniently	conveniently	ADV
easat-9950	303	18	access	access	VERB
easat-9950	303	19	and	and	CCONJ
easat-9950	303	20	manage	manage	VERB
easat-9950	303	21	their	their	PRON
easat-9950	303	22	accounts	account	NOUN
easat-9950	303	23	through	through	ADP
easat-9950	303	24	their	their	PRON
easat-9950	303	25	mobile	mobile	ADJ
easat-9950	303	26	devices	device	NOUN
easat-9950	303	27	.	.	PUNCT
easat-9950	304	1	9	9	X
easat-9950	304	2	.	.	X
easat-9950	304	3	recommendations	recommendation	NOUN
easat-9950	304	4	for	for	ADP
easat-9950	304	5	greek	greek	ADJ
easat-9950	304	6	enterprises	enterprise	NOUN
easat-9950	304	7	mobile	mobile	ADJ
easat-9950	304	8	applications	application	NOUN
easat-9950	304	9	,	,	PUNCT
easat-9950	304	10	particularly	particularly	ADV
easat-9950	304	11	when	when	SCONJ
easat-9950	304	12	integrated	integrate	VERB
easat-9950	304	13	with	with	ADP
easat-9950	304	14	internet	internet	NOUN
easat-9950	304	15	banking	banking	NOUN
easat-9950	304	16	,	,	PUNCT
easat-9950	304	17	play	play	VERB
easat-9950	304	18	a	a	DET
easat-9950	304	19	pivotal	pivotal	ADJ
easat-9950	304	20	role	role	NOUN
easat-9950	304	21	in	in	ADP
easat-9950	304	22	the	the	DET
easat-9950	304	23	digital	digital	ADJ
easat-9950	304	24	transformation	transformation	NOUN
easat-9950	304	25	of	of	ADP
easat-9950	304	26	greek	greek	ADJ
easat-9950	304	27	enterprises	enterprise	NOUN
easat-9950	304	28	.	.	PUNCT
easat-9950	305	1	to	to	PART
easat-9950	305	2	capitalize	capitalize	VERB
easat-9950	305	3	on	on	ADP
easat-9950	305	4	the	the	DET
easat-9950	305	5	ongoing	ongoing	ADJ
easat-9950	305	6	convergence	convergence	NOUN
easat-9950	305	7	of	of	ADP
easat-9950	305	8	these	these	DET
easat-9950	305	9	technologies	technology	NOUN
easat-9950	305	10	,	,	PUNCT
easat-9950	305	11	greek	greek	ADJ
easat-9950	305	12	companies	company	NOUN
easat-9950	305	13	should	should	AUX
easat-9950	305	14	adopt	adopt	VERB
easat-9950	305	15	a	a	DET
easat-9950	305	16	multifaceted	multifaceted	ADJ
easat-9950	305	17	approach	approach	NOUN
easat-9950	305	18	.	.	PUNCT
easat-9950	306	1	strategically	strategically	ADV
easat-9950	306	2	,	,	PUNCT
easat-9950	306	3	businesses	business	NOUN
easat-9950	306	4	ought	ought	AUX
easat-9950	306	5	to	to	PART
easat-9950	306	6	formulate	formulate	VERB
easat-9950	306	7	clear	clear	ADJ
easat-9950	306	8	policies	policy	NOUN
easat-9950	306	9	that	that	PRON
easat-9950	306	10	align	align	VERB
easat-9950	306	11	mobile	mobile	ADJ
easat-9950	306	12	services	service	NOUN
easat-9950	306	13	with	with	ADP
easat-9950	306	14	overarching	overarching	ADJ
easat-9950	306	15	corporate	corporate	ADJ
easat-9950	306	16	objectives	objective	NOUN
easat-9950	306	17	and	and	CCONJ
easat-9950	306	18	the	the	DET
easat-9950	306	19	evolving	evolve	VERB
easat-9950	306	20	preferences	preference	NOUN
easat-9950	306	21	of	of	ADP
easat-9950	306	22	the	the	DET
easat-9950	306	23	mobile	mobile	ADJ
easat-9950	306	24	internet	internet	NOUN
easat-9950	306	25	user	user	NOUN
easat-9950	306	26	base	base	NOUN
easat-9950	307	1	[	[	X
easat-9950	307	2	1	1	NUM
easat-9950	307	3	]	]	PUNCT
easat-9950	307	4	.	.	PUNCT
easat-9950	308	1	technologically	technologically	ADV
easat-9950	308	2	,	,	PUNCT
easat-9950	308	3	investment	investment	NOUN
easat-9950	308	4	is	be	AUX
easat-9950	308	5	essential	essential	ADJ
easat-9950	308	6	for	for	ADP
easat-9950	308	7	the	the	DET
easat-9950	308	8	adaptation	adaptation	NOUN
easat-9950	308	9	or	or	CCONJ
easat-9950	308	10	complete	complete	ADJ
easat-9950	308	11	redesign	redesign	NOUN
easat-9950	308	12	of	of	ADP
easat-9950	308	13	e	e	NOUN
easat-9950	308	14	-	-	ADJ
easat-9950	308	15	banking	banking	ADJ
easat-9950	308	16	applications	application	NOUN
easat-9950	308	17	to	to	PART
easat-9950	308	18	suit	suit	VERB
easat-9950	308	19	mobile	mobile	ADJ
easat-9950	308	20	platforms	platform	NOUN
easat-9950	308	21	,	,	PUNCT
easat-9950	308	22	ensuring	ensure	VERB
easat-9950	308	23	responsive	responsive	ADJ
easat-9950	308	24	layouts	layout	NOUN
easat-9950	308	25	and	and	CCONJ
easat-9950	308	26	user	user	NOUN
easat-9950	308	27	-	-	PUNCT
easat-9950	308	28	friendly	friendly	ADJ
easat-9950	308	29	interfaces	interface	NOUN
easat-9950	308	30	that	that	PRON
easat-9950	308	31	cater	cater	VERB
easat-9950	308	32	to	to	ADP
easat-9950	308	33	the	the	DET
easat-9950	308	34	convenience	convenience	NOUN
easat-9950	308	35	and	and	CCONJ
easat-9950	308	36	immediacy	immediacy	NOUN
easat-9950	308	37	demanded	demand	VERB
easat-9950	308	38	by	by	ADP
easat-9950	308	39	modern	modern	ADJ
easat-9950	308	40	consumers	consumer	NOUN
easat-9950	308	41	.	.	PUNCT
easat-9950	309	1	furthermore	furthermore	ADV
easat-9950	309	2	,	,	PUNCT
easat-9950	309	3	enhancing	enhance	VERB
easat-9950	309	4	customer	customer	NOUN
easat-9950	309	5	personalisation	personalisation	NOUN
easat-9950	309	6	through	through	ADP
easat-9950	309	7	the	the	DET
easat-9950	309	8	integration	integration	NOUN
easat-9950	309	9	of	of	ADP
easat-9950	309	10	communication	communication	NOUN
easat-9950	309	11	and	and	CCONJ
easat-9950	309	12	transaction	transaction	NOUN
easat-9950	309	13	functions	function	NOUN
easat-9950	309	14	fosters	foster	VERB
easat-9950	309	15	deeper	deep	ADJ
easat-9950	309	16	engagement	engagement	NOUN
easat-9950	309	17	and	and	CCONJ
easat-9950	309	18	satisfaction	satisfaction	NOUN
easat-9950	309	19	,	,	PUNCT
easat-9950	309	20	while	while	SCONJ
easat-9950	309	21	leveraging	leverage	VERB
easat-9950	309	22	the	the	DET
easat-9950	309	23	pivotal	pivotal	ADJ
easat-9950	309	24	role	role	NOUN
easat-9950	309	25	of	of	ADP
easat-9950	309	26	user	user	NOUN
easat-9950	309	27	experience	experience	NOUN
easat-9950	309	28	can	can	AUX
easat-9950	309	29	differentiate	differentiate	VERB
easat-9950	309	30	services	service	NOUN
easat-9950	309	31	in	in	ADP
easat-9950	309	32	a	a	DET
easat-9950	309	33	competitive	competitive	ADJ
easat-9950	309	34	marketplace	marketplace	NOUN
easat-9950	309	35	[	[	X
easat-9950	309	36	29	29	NUM
easat-9950	309	37	-	-	SYM
easat-9950	309	38	37	37	NUM
easat-9950	309	39	]	]	PUNCT
easat-9950	309	40	.	.	PUNCT
easat-9950	310	1	such	such	ADJ
easat-9950	310	2	recommendations	recommendation	NOUN
easat-9950	310	3	,	,	PUNCT
easat-9950	310	4	rooted	root	VERB
easat-9950	310	5	in	in	ADP
easat-9950	310	6	current	current	ADJ
easat-9950	310	7	research	research	NOUN
easat-9950	310	8	and	and	CCONJ
easat-9950	310	9	formulation	formulation	NOUN
easat-9950	310	10	of	of	ADP
easat-9950	310	11	strategic	strategic	ADJ
easat-9950	310	12	,	,	PUNCT
easat-9950	310	13	technological	technological	ADJ
easat-9950	310	14	,	,	PUNCT
easat-9950	310	15	and	and	CCONJ
easat-9950	310	16	engagement	engagement	NOUN
easat-9950	310	17	-	-	PUNCT
easat-9950	310	18	oriented	orient	VERB
easat-9950	310	19	initiatives	initiative	NOUN
easat-9950	310	20	,	,	PUNCT
easat-9950	310	21	aim	aim	VERB
easat-9950	310	22	to	to	PART
easat-9950	310	23	position	position	VERB
easat-9950	310	24	greek	greek	ADJ
easat-9950	310	25	enterprises	enterprise	NOUN
easat-9950	310	26	at	at	ADP
easat-9950	310	27	the	the	DET
easat-9950	310	28	forefront	forefront	NOUN
easat-9950	310	29	of	of	ADP
easat-9950	310	30	mobile	mobile	ADJ
easat-9950	310	31	banking	banking	NOUN
easat-9950	310	32	innovation	innovation	NOUN
easat-9950	310	33	.	.	PUNCT
easat-9950	311	1	9.1	9.1	X
easat-9950	311	2	.	.	PUNCT
easat-9950	311	3	strategic	strategic	ADJ
easat-9950	311	4	planning	planning	NOUN
easat-9950	311	5	strategic	strategic	ADJ
easat-9950	311	6	planning	planning	NOUN
easat-9950	311	7	for	for	ADP
easat-9950	311	8	mobile	mobile	ADJ
easat-9950	311	9	applications	application	NOUN
easat-9950	311	10	and	and	CCONJ
easat-9950	311	11	internet	internet	NOUN
easat-9950	311	12	banking	banking	NOUN
easat-9950	311	13	is	be	AUX
easat-9950	311	14	mandatory	mandatory	ADJ
easat-9950	311	15	,	,	PUNCT
easat-9950	311	16	given	give	VERB
easat-9950	311	17	that	that	SCONJ
easat-9950	311	18	global	global	ADJ
easat-9950	311	19	trends	trend	NOUN
easat-9950	311	20	dictate	dictate	VERB
easat-9950	311	21	them	they	PRON
easat-9950	311	22	as	as	ADP
easat-9950	311	23	key	key	ADJ
easat-9950	311	24	tools	tool	NOUN
easat-9950	311	25	in	in	ADP
easat-9950	311	26	strategic	strategic	ADJ
easat-9950	311	27	business	business	NOUN
easat-9950	311	28	development	development	NOUN
easat-9950	311	29	and	and	CCONJ
easat-9950	311	30	operational	operational	ADJ
easat-9950	311	31	information	information	NOUN
easat-9950	311	32	systems	system	NOUN
easat-9950	311	33	.	.	PUNCT
easat-9950	312	1	in	in	ADP
easat-9950	312	2	order	order	NOUN
easat-9950	312	3	to	to	PART
easat-9950	312	4	serve	serve	VERB
easat-9950	312	5	existing	exist	VERB
easat-9950	312	6	and	and	CCONJ
easat-9950	312	7	potential	potential	ADJ
easat-9950	312	8	customers	customer	NOUN
easat-9950	312	9	in	in	ADP
easat-9950	312	10	a	a	DET
easat-9950	312	11	competitive	competitive	ADJ
easat-9950	312	12	and	and	CCONJ
easat-9950	312	13	demanding	demanding	ADJ
easat-9950	312	14	market	market	NOUN
easat-9950	312	15	,	,	PUNCT
easat-9950	312	16	organizations	organization	NOUN
easat-9950	312	17	must	must	AUX
easat-9950	312	18	orient	orient	VERB
easat-9950	312	19	their	their	PRON
easat-9950	312	20	activities	activity	NOUN
easat-9950	312	21	towards	towards	ADP
easat-9950	312	22	competitive	competitive	ADJ
easat-9950	312	23	advantages	advantage	NOUN
easat-9950	312	24	such	such	ADJ
easat-9950	312	25	as	as	ADP
easat-9950	312	26	flexibility	flexibility	NOUN
easat-9950	312	27	,	,	PUNCT
easat-9950	312	28	multitasking	multitasking	NOUN
easat-9950	312	29	,	,	PUNCT
easat-9950	312	30	availability	availability	NOUN
easat-9950	312	31	,	,	PUNCT
easat-9950	312	32	and	and	CCONJ
easat-9950	312	33	speed	speed	NOUN
easat-9950	312	34	.	.	PUNCT
easat-9950	313	1	this	this	PRON
easat-9950	313	2	is	be	AUX
easat-9950	313	3	achieved	achieve	VERB
easat-9950	313	4	via	via	ADP
easat-9950	313	5	communication	communication	NOUN
easat-9950	313	6	technologies	technology	NOUN
easat-9950	313	7	,	,	PUNCT
easat-9950	313	8	information	information	NOUN
easat-9950	313	9	,	,	PUNCT
easat-9950	313	10	data	data	NOUN
easat-9950	313	11	,	,	PUNCT
easat-9950	313	12	knowledge	knowledge	NOUN
easat-9950	313	13	,	,	PUNCT
easat-9950	313	14	and	and	CCONJ
easat-9950	313	15	services	service	NOUN
easat-9950	313	16	mobility	mobility	NOUN
easat-9950	313	17	.	.	PUNCT
easat-9950	314	1	smartphones	smartphone	NOUN
easat-9950	314	2	,	,	PUNCT
easat-9950	314	3	portable	portable	ADJ
easat-9950	314	4	and	and	CCONJ
easat-9950	314	5	versatile	versatile	ADJ
easat-9950	314	6	devices	device	NOUN
easat-9950	314	7	that	that	PRON
easat-9950	314	8	,	,	PUNCT
easat-9950	314	9	through	through	ADP
easat-9950	314	10	the	the	DET
easat-9950	314	11	downloading	downloading	NOUN
easat-9950	314	12	and	and	CCONJ
easat-9950	314	13	installation	installation	NOUN
easat-9950	314	14	of	of	ADP
easat-9950	314	15	tailor	tailor	NOUN
easat-9950	314	16	-	-	PUNCT
easat-9950	314	17	made	make	VERB
easat-9950	314	18	software	software	NOUN
easat-9950	314	19	,	,	PUNCT
easat-9950	314	20	turn	turn	VERB
easat-9950	314	21	into	into	ADP
easat-9950	314	22	tools	tool	NOUN
easat-9950	314	23	with	with	ADP
easat-9950	314	24	unlimited	unlimited	ADJ
easat-9950	314	25	capabilities	capability	NOUN
easat-9950	314	26	,	,	PUNCT
easat-9950	314	27	are	be	AUX
easat-9950	314	28	a	a	DET
easat-9950	314	29	vital	vital	ADJ
easat-9950	314	30	axis	axis	NOUN
easat-9950	314	31	in	in	ADP
easat-9950	314	32	enterprises	enterprise	NOUN
easat-9950	314	33	’	'	PUNCT
easat-9950	314	34	strategic	strategic	ADJ
easat-9950	314	35	planning	planning	NOUN
easat-9950	314	36	and	and	CCONJ
easat-9950	314	37	e	e	NOUN
easat-9950	314	38	-	-	NOUN
easat-9950	314	39	business	business	NOUN
easat-9950	314	40	initiatives	initiative	NOUN
easat-9950	314	41	.	.	PUNCT
easat-9950	315	1	they	they	PRON
easat-9950	315	2	provide	provide	VERB
easat-9950	315	3	easier	easy	ADJ
easat-9950	315	4	,	,	PUNCT
easat-9950	315	5	faster	fast	ADV
easat-9950	315	6	,	,	PUNCT
easat-9950	315	7	and	and	CCONJ
easat-9950	315	8	711	711	NUM
easat-9950	315	9	edelweiss	edelweiss	PROPN
easat-9950	315	10	applied	apply	VERB
easat-9950	315	11	science	science	NOUN
easat-9950	315	12	and	and	CCONJ
easat-9950	315	13	technology	technology	NOUN
easat-9950	315	14	issn	issn	PROPN
easat-9950	315	15	:	:	PUNCT
easat-9950	315	16	2576	2576	NUM
easat-9950	315	17	-	-	SYM
easat-9950	315	18	8484	8484	NUM
easat-9950	315	19	vol	vol	NOUN
easat-9950	315	20	.	.	PROPN
easat-9950	316	1	9	9	NUM
easat-9950	316	2	,	,	PUNCT
easat-9950	316	3	no	no	INTJ
easat-9950	316	4	.	.	NOUN
easat-9950	316	5	9	9	NUM
easat-9950	316	6	:	:	PUNCT
easat-9950	316	7	699	699	NUM
easat-9950	316	8	-	-	SYM
easat-9950	316	9	714	714	NUM
easat-9950	316	10	,	,	PUNCT
easat-9950	316	11	2025	2025	NUM
easat-9950	316	12	doi	doi	NOUN
easat-9950	316	13	:	:	PUNCT
easat-9950	316	14	10.55214/2576	10.55214/2576	NUM
easat-9950	316	15	-	-	SYM
easat-9950	316	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	317	1	©	©	PROPN
easat-9950	317	2	2025	2025	NUM
easat-9950	317	3	by	by	ADP
easat-9950	317	4	the	the	DET
easat-9950	317	5	authors	author	NOUN
easat-9950	317	6	;	;	PUNCT
easat-9950	317	7	licensee	licensee	PROPN
easat-9950	317	8	learning	learning	NOUN
easat-9950	317	9	gate	gate	VERB
easat-9950	317	10	more	more	ADV
easat-9950	317	11	efficient	efficient	ADJ
easat-9950	317	12	access	access	NOUN
easat-9950	317	13	to	to	ADP
easat-9950	317	14	resources	resource	NOUN
easat-9950	317	15	;	;	PUNCT
easat-9950	317	16	moreover	moreover	ADV
easat-9950	317	17	,	,	PUNCT
easat-9950	317	18	since	since	SCONJ
easat-9950	317	19	the	the	DET
easat-9950	317	20	number	number	NOUN
easat-9950	317	21	of	of	ADP
easat-9950	317	22	users	user	NOUN
easat-9950	317	23	grows	grow	VERB
easat-9950	317	24	exponentially	exponentially	ADV
easat-9950	317	25	every	every	DET
easat-9950	317	26	year	year	NOUN
easat-9950	317	27	,	,	PUNCT
easat-9950	317	28	the	the	DET
easat-9950	317	29	use	use	NOUN
easat-9950	317	30	of	of	ADP
easat-9950	317	31	smartphones	smartphone	NOUN
easat-9950	317	32	and	and	CCONJ
easat-9950	317	33	applications	application	NOUN
easat-9950	317	34	constitutes	constitute	VERB
easat-9950	317	35	the	the	DET
easat-9950	317	36	most	most	ADV
easat-9950	317	37	promising	promising	ADJ
easat-9950	317	38	channel	channel	NOUN
easat-9950	317	39	for	for	ADP
easat-9950	317	40	the	the	DET
easat-9950	317	41	communication	communication	NOUN
easat-9950	317	42	and	and	CCONJ
easat-9950	317	43	penetration	penetration	NOUN
easat-9950	317	44	of	of	ADP
easat-9950	317	45	new	new	ADJ
easat-9950	317	46	services	service	NOUN
easat-9950	317	47	to	to	ADP
easat-9950	317	48	an	an	DET
easat-9950	317	49	extended	extended	ADJ
easat-9950	317	50	customer	customer	NOUN
easat-9950	317	51	base	base	NOUN
easat-9950	317	52	.	.	PUNCT
easat-9950	318	1	enterprises	enterprise	NOUN
easat-9950	318	2	that	that	PRON
easat-9950	318	3	have	have	AUX
easat-9950	318	4	embraced	embrace	VERB
easat-9950	318	5	this	this	DET
easat-9950	318	6	need	need	NOUN
easat-9950	318	7	have	have	AUX
easat-9950	318	8	developed	develop	VERB
easat-9950	318	9	or	or	CCONJ
easat-9950	318	10	are	be	AUX
easat-9950	318	11	developing	develop	VERB
easat-9950	318	12	dedicated	dedicated	ADJ
easat-9950	318	13	applications	application	NOUN
easat-9950	318	14	.	.	PUNCT
easat-9950	319	1	let	let	VERB
easat-9950	319	2	us	we	PRON
easat-9950	319	3	consider	consider	VERB
easat-9950	319	4	the	the	DET
easat-9950	319	5	example	example	NOUN
easat-9950	319	6	of	of	ADP
easat-9950	319	7	a	a	DET
easat-9950	319	8	typical	typical	ADJ
easat-9950	319	9	greek	greek	ADJ
easat-9950	319	10	retailer	retailer	NOUN
easat-9950	319	11	who	who	PRON
easat-9950	319	12	already	already	ADV
easat-9950	319	13	exploits	exploit	VERB
easat-9950	319	14	smartphones	smartphone	NOUN
easat-9950	319	15	and	and	CCONJ
easat-9950	319	16	“	"	PUNCT
easat-9950	319	17	classical	classical	ADJ
easat-9950	319	18	”	"	PUNCT
easat-9950	319	19	e	e	NOUN
easat-9950	319	20	-	-	NOUN
easat-9950	319	21	commerce	commerce	NOUN
easat-9950	319	22	and	and	CCONJ
easat-9950	319	23	a	a	DET
easat-9950	319	24	financial	financial	ADJ
easat-9950	319	25	institution	institution	NOUN
easat-9950	319	26	provider	provider	NOUN
easat-9950	319	27	of	of	ADP
easat-9950	319	28	internet	internet	NOUN
easat-9950	319	29	banking	banking	NOUN
easat-9950	319	30	services	service	NOUN
easat-9950	319	31	planning	plan	VERB
easat-9950	319	32	its	its	PRON
easat-9950	319	33	development	development	NOUN
easat-9950	319	34	strategy	strategy	NOUN
easat-9950	319	35	towards	towards	ADP
easat-9950	319	36	mobile	mobile	ADJ
easat-9950	319	37	platforms	platform	NOUN
easat-9950	320	1	[	[	X
easat-9950	320	2	1	1	NUM
easat-9950	320	3	]	]	PUNCT
easat-9950	320	4	.	.	PUNCT
easat-9950	321	1	various	various	ADJ
easat-9950	321	2	examples	example	NOUN
easat-9950	321	3	illustrate	illustrate	VERB
easat-9950	321	4	the	the	DET
easat-9950	321	5	results	result	NOUN
easat-9950	321	6	of	of	ADP
easat-9950	321	7	successful	successful	ADJ
easat-9950	321	8	mobile	mobile	ADJ
easat-9950	321	9	banking	banking	NOUN
easat-9950	321	10	implementation	implementation	NOUN
easat-9950	321	11	,	,	PUNCT
easat-9950	321	12	indicating	indicate	VERB
easat-9950	321	13	short	short	ADJ
easat-9950	321	14	and	and	CCONJ
easat-9950	321	15	medium	medium	ADJ
easat-9950	321	16	-	-	PUNCT
easat-9950	321	17	term	term	NOUN
easat-9950	321	18	trends	trend	NOUN
easat-9950	321	19	in	in	ADP
easat-9950	321	20	greece	greece	PROPN
easat-9950	321	21	.	.	PUNCT
easat-9950	322	1	9.2	9.2	NUM
easat-9950	322	2	.	.	PUNCT
easat-9950	322	3	enhancing	enhance	VERB
easat-9950	322	4	customer	customer	NOUN
easat-9950	322	5	engagement	engagement	NOUN
easat-9950	322	6	public	public	ADJ
easat-9950	322	7	-	-	PUNCT
easat-9950	322	8	sector	sector	NOUN
easat-9950	322	9	entities	entity	NOUN
easat-9950	322	10	can	can	AUX
easat-9950	322	11	impose	impose	VERB
easat-9950	322	12	formal	formal	ADJ
easat-9950	322	13	information	information	NOUN
easat-9950	322	14	-	-	PUNCT
easat-9950	322	15	technology	technology	NOUN
easat-9950	322	16	procedures	procedure	NOUN
easat-9950	322	17	on	on	ADP
easat-9950	322	18	a	a	DET
easat-9950	322	19	limited	limited	ADJ
easat-9950	322	20	number	number	NOUN
easat-9950	322	21	of	of	ADP
easat-9950	322	22	suppliers	supplier	NOUN
easat-9950	322	23	.	.	PUNCT
easat-9950	323	1	for	for	ADP
easat-9950	323	2	example	example	NOUN
easat-9950	323	3	,	,	PUNCT
easat-9950	323	4	in	in	ADP
easat-9950	323	5	italy	italy	PROPN
easat-9950	323	6	,	,	PUNCT
easat-9950	323	7	the	the	DET
easat-9950	323	8	italian	italian	ADJ
easat-9950	323	9	general	general	ADJ
easat-9950	323	10	navigation	navigation	NOUN
easat-9950	323	11	(	(	PUNCT
easat-9950	323	12	ign	ign	NOUN
easat-9950	323	13	)	)	PUNCT
easat-9950	323	14	ordered	order	VERB
easat-9950	323	15	the	the	DET
easat-9950	323	16	embedded	embed	VERB
easat-9950	323	17	-	-	PUNCT
easat-9950	323	18	systems	system	NOUN
easat-9950	323	19	software	software	NOUN
easat-9950	323	20	in	in	ADP
easat-9950	323	21	its	its	PRON
easat-9950	323	22	newly	newly	ADV
easat-9950	323	23	developed	develop	VERB
easat-9950	323	24	vessels	vessel	NOUN
easat-9950	323	25	from	from	ADP
easat-9950	323	26	one	one	NUM
easat-9950	323	27	engineering	engineering	NOUN
easat-9950	323	28	company	company	NOUN
easat-9950	323	29	.	.	PUNCT
easat-9950	324	1	the	the	DET
easat-9950	324	2	administrative	administrative	ADJ
easat-9950	324	3	officials	official	NOUN
easat-9950	324	4	specified	specify	VERB
easat-9950	324	5	a	a	DET
easat-9950	324	6	few	few	ADJ
easat-9950	324	7	of	of	ADP
easat-9950	324	8	their	their	PRON
easat-9950	324	9	safety	safety	NOUN
easat-9950	324	10	requirements	requirement	NOUN
easat-9950	324	11	and	and	CCONJ
easat-9950	324	12	mandated	mandate	VERB
easat-9950	324	13	the	the	DET
easat-9950	324	14	use	use	NOUN
easat-9950	324	15	of	of	ADP
easat-9950	324	16	targeted	target	VERB
easat-9950	324	17	software	software	NOUN
easat-9950	324	18	-	-	PUNCT
easat-9950	324	19	development	development	NOUN
easat-9950	324	20	procedures	procedure	NOUN
easat-9950	324	21	.	.	PUNCT
easat-9950	325	1	table	table	NOUN
easat-9950	325	2	1	1	NUM
easat-9950	325	3	.	.	PUNCT
easat-9950	325	4	mobile	mobile	ADJ
easat-9950	325	5	applications	application	NOUN
easat-9950	325	6	and	and	CCONJ
easat-9950	325	7	internet	internet	NOUN
easat-9950	325	8	banking	banking	NOUN
easat-9950	325	9	(	(	PUNCT
easat-9950	325	10	authors	author	NOUN
easat-9950	325	11	’	’	PART
easat-9950	325	12	table	table	NOUN
easat-9950	325	13	)	)	PUNCT
easat-9950	325	14	theme	theme	NOUN
easat-9950	325	15	conclusion	conclusion	NOUN
easat-9950	325	16	evidence	evidence	NOUN
easat-9950	325	17	/	/	SYM
easat-9950	325	18	notes	note	VERB
easat-9950	325	19	implications	implication	NOUN
easat-9950	325	20	recommended	recommend	VERB
easat-9950	325	21	action	action	NOUN
easat-9950	325	22	adoption	adoption	NOUN
easat-9950	325	23	status	status	NOUN
easat-9950	325	24	internet	internet	NOUN
easat-9950	325	25	banking	banking	NOUN
easat-9950	325	26	adoption	adoption	NOUN
easat-9950	325	27	in	in	ADP
easat-9950	325	28	greece	greece	PROPN
easat-9950	325	29	has	have	AUX
easat-9950	325	30	historically	historically	ADV
easat-9950	325	31	been	be	AUX
easat-9950	325	32	low	low	ADJ
easat-9950	325	33	,	,	PUNCT
easat-9950	325	34	but	but	CCONJ
easat-9950	325	35	mobile	mobile	ADJ
easat-9950	325	36	access	access	NOUN
easat-9950	325	37	is	be	AUX
easat-9950	325	38	accelerating	accelerate	VERB
easat-9950	325	39	uptake	uptake	ADJ
easat-9950	325	40	.	.	PUNCT
easat-9950	326	1	early	early	ADJ
easat-9950	326	2	2000s	2000s	NUM
easat-9950	326	3	:	:	PUNCT
easat-9950	326	4	~8	~8	NOUN
easat-9950	326	5	%	%	NOUN
easat-9950	326	6	households	household	NOUN
easat-9950	326	7	;	;	PUNCT
easat-9950	326	8	rising	rise	VERB
easat-9950	326	9	internet	internet	NOUN
easat-9950	326	10	/	/	SYM
easat-9950	326	11	mobile	mobile	ADJ
easat-9950	326	12	use	use	NOUN
easat-9950	326	13	projected	project	VERB
easat-9950	326	14	strong	strong	ADJ
easat-9950	326	15	growth	growth	NOUN
easat-9950	326	16	.	.	PUNCT
easat-9950	327	1	large	large	ADJ
easat-9950	327	2	headroom	headroom	NOUN
easat-9950	327	3	for	for	ADP
easat-9950	327	4	market	market	NOUN
easat-9950	327	5	expansion	expansion	NOUN
easat-9950	327	6	.	.	PUNCT
easat-9950	328	1	target	target	VERB
easat-9950	328	2	non	non	NOUN
easat-9950	328	3	-	-	NOUN
easat-9950	328	4	users	user	NOUN
easat-9950	328	5	with	with	ADP
easat-9950	328	6	mobile	mobile	ADJ
easat-9950	328	7	-	-	PUNCT
easat-9950	328	8	first	first	ADJ
easat-9950	328	9	onboarding	onboarding	NOUN
easat-9950	328	10	and	and	CCONJ
easat-9950	328	11	incentives	incentive	NOUN
easat-9950	328	12	.	.	PUNCT
easat-9950	329	1	strategic	strategic	ADJ
easat-9950	329	2	role	role	NOUN
easat-9950	329	3	of	of	ADP
easat-9950	329	4	mobile	mobile	ADJ
easat-9950	329	5	mobile	mobile	ADJ
easat-9950	329	6	apps	app	NOUN
easat-9950	329	7	are	be	AUX
easat-9950	329	8	the	the	DET
easat-9950	329	9	practical	practical	ADJ
easat-9950	329	10	channel	channel	NOUN
easat-9950	329	11	to	to	PART
easat-9950	329	12	extend	extend	VERB
easat-9950	329	13	and	and	CCONJ
easat-9950	329	14	personalize	personalize	VERB
easat-9950	329	15	banking	banking	NOUN
easat-9950	329	16	services	service	NOUN
easat-9950	329	17	.	.	PUNCT
easat-9950	330	1	smartphone	smartphone	ADJ
easat-9950	330	2	penetration	penetration	NOUN
easat-9950	330	3	+	+	CCONJ
easat-9950	330	4	user	user	NOUN
easat-9950	330	5	habits	habit	NOUN
easat-9950	330	6	shift	shift	VERB
easat-9950	330	7	daily	daily	ADJ
easat-9950	330	8	tasks	task	NOUN
easat-9950	330	9	to	to	ADP
easat-9950	330	10	mobile	mobile	NOUN
easat-9950	330	11	.	.	PUNCT
easat-9950	331	1	higher	high	ADJ
easat-9950	331	2	retention	retention	NOUN
easat-9950	331	3	and	and	CCONJ
easat-9950	331	4	cross	cross	NOUN
easat-9950	331	5	-	-	ADJ
easat-9950	331	6	sell	sell	ADJ
easat-9950	331	7	via	via	ADP
easat-9950	331	8	personalized	personalized	ADJ
easat-9950	331	9	journeys	journey	NOUN
easat-9950	331	10	.	.	PUNCT
easat-9950	332	1	develop	develop	VERB
easat-9950	332	2	a	a	DET
easat-9950	332	3	mobile	mobile	NOUN
easat-9950	332	4	-	-	PUNCT
easat-9950	332	5	led	lead	VERB
easat-9950	332	6	product	product	NOUN
easat-9950	332	7	roadmap	roadmap	NOUN
easat-9950	332	8	with	with	ADP
easat-9950	332	9	clear	clear	ADJ
easat-9950	332	10	kpis	kpis	PROPN
easat-9950	332	11	(	(	PUNCT
easat-9950	332	12	activation	activation	NOUN
easat-9950	332	13	,	,	PUNCT
easat-9950	332	14	mau	mau	PROPN
easat-9950	332	15	,	,	PUNCT
easat-9950	332	16	nps	nps	PROPN
easat-9950	332	17	)	)	PUNCT
easat-9950	332	18	.	.	PUNCT
easat-9950	333	1	integration	integration	NOUN
easat-9950	333	2	imperative	imperative	ADJ
easat-9950	333	3	value	value	NOUN
easat-9950	333	4	arises	arise	VERB
easat-9950	333	5	by	by	ADP
easat-9950	333	6	tightly	tightly	ADV
easat-9950	333	7	integrating	integrate	VERB
easat-9950	333	8	mobile	mobile	ADJ
easat-9950	333	9	apps	app	NOUN
easat-9950	333	10	with	with	ADP
easat-9950	333	11	internet	internet	NOUN
easat-9950	333	12	-	-	PUNCT
easat-9950	333	13	banking	banking	NOUN
easat-9950	333	14	back	back	NOUN
easat-9950	333	15	ends	end	VERB
easat-9950	333	16	.	.	PUNCT
easat-9950	334	1	interoperable	interoperable	ADJ
easat-9950	334	2	components	component	NOUN
easat-9950	334	3	:	:	PUNCT
easat-9950	334	4	ui	ui	PROPN
easat-9950	334	5	,	,	PUNCT
easat-9950	334	6	data	datum	NOUN
easat-9950	334	7	management	management	NOUN
easat-9950	334	8	,	,	PUNCT
easat-9950	334	9	gateways	gateway	NOUN
easat-9950	334	10	,	,	PUNCT
easat-9950	334	11	messaging	messaging	NOUN
easat-9950	334	12	,	,	PUNCT
easat-9950	334	13	security	security	NOUN
easat-9950	334	14	.	.	PUNCT
easat-9950	335	1	operational	operational	ADJ
easat-9950	335	2	efficiency	efficiency	NOUN
easat-9950	335	3	and	and	CCONJ
easat-9950	335	4	consistent	consistent	VERB
easat-9950	335	5	ux	ux	ADV
easat-9950	335	6	across	across	ADP
easat-9950	335	7	channels	channel	NOUN
easat-9950	335	8	.	.	PUNCT
easat-9950	336	1	build	build	VERB
easat-9950	336	2	shared	share	VERB
easat-9950	336	3	services	service	NOUN
easat-9950	336	4	/	/	SYM
easat-9950	336	5	apis	apis	PROPN
easat-9950	336	6	;	;	PUNCT
easat-9950	336	7	prioritize	prioritize	VERB
easat-9950	336	8	reliability	reliability	NOUN
easat-9950	336	9	,	,	PUNCT
easat-9950	336	10	latency	latency	NOUN
easat-9950	336	11	,	,	PUNCT
easat-9950	336	12	and	and	CCONJ
easat-9950	336	13	failover	failover	NOUN
easat-9950	336	14	.	.	PUNCT
easat-9950	337	1	security	security	NOUN
easat-9950	337	2	as	as	ADP
easat-9950	337	3	primary	primary	ADJ
easat-9950	337	4	barrier	barrier	NOUN
easat-9950	337	5	security	security	NOUN
easat-9950	337	6	perceptions	perception	NOUN
easat-9950	337	7	(	(	PUNCT
easat-9950	337	8	confidentiality	confidentiality	NOUN
easat-9950	337	9	,	,	PUNCT
easat-9950	337	10	authentication	authentication	NOUN
easat-9950	337	11	,	,	PUNCT
easat-9950	337	12	nonrepudiation	nonrepudiation	NOUN
easat-9950	337	13	)	)	PUNCT
easat-9950	337	14	block	block	NOUN
easat-9950	337	15	adoption	adoption	NOUN
easat-9950	337	16	.	.	PUNCT
easat-9950	338	1	regulators	regulator	NOUN
easat-9950	338	2	and	and	CCONJ
easat-9950	338	3	users	user	NOUN
easat-9950	338	4	emphasize	emphasize	VERB
easat-9950	338	5	risk	risk	NOUN
easat-9950	338	6	to	to	ADP
easat-9950	338	7	funds	fund	NOUN
easat-9950	338	8	and	and	CCONJ
easat-9950	338	9	personal	personal	ADJ
easat-9950	338	10	data	datum	NOUN
easat-9950	338	11	.	.	PUNCT
easat-9950	339	1	trust	trust	NOUN
easat-9950	339	2	is	be	AUX
easat-9950	339	3	prerequisite	prerequisite	NOUN
easat-9950	339	4	for	for	ADP
easat-9950	339	5	usage	usage	NOUN
easat-9950	339	6	frequency	frequency	NOUN
easat-9950	339	7	.	.	PUNCT
easat-9950	340	1	strengthen	strengthen	VERB
easat-9950	340	2	mfa	mfa	PROPN
easat-9950	340	3	,	,	PUNCT
easat-9950	340	4	device	device	NOUN
easat-9950	340	5	binding	bind	VERB
easat-9950	340	6	,	,	PUNCT
easat-9950	340	7	transaction	transaction	NOUN
easat-9950	340	8	limits	limit	NOUN
easat-9950	340	9	,	,	PUNCT
easat-9950	340	10	anomaly	anomaly	NOUN
easat-9950	340	11	detection	detection	NOUN
easat-9950	340	12	,	,	PUNCT
easat-9950	340	13	and	and	CCONJ
easat-9950	340	14	clear	clear	ADJ
easat-9950	340	15	comms	comms	NOUN
easat-9950	340	16	.	.	PUNCT
easat-9950	341	1	regulatory	regulatory	ADJ
easat-9950	341	2	alignment	alignment	NOUN
easat-9950	341	3	rules	rule	NOUN
easat-9950	341	4	exist	exist	VERB
easat-9950	341	5	but	but	CCONJ
easat-9950	341	6	require	require	VERB
easat-9950	341	7	clearer	clear	ADJ
easat-9950	341	8	operationalization	operationalization	NOUN
easat-9950	341	9	for	for	ADP
easat-9950	341	10	mobile	mobile	ADJ
easat-9950	341	11	contexts	contexts	NOUN
easat-9950	341	12	.	.	PUNCT
easat-9950	342	1	bog	bog	NOUN
easat-9950	342	2	circulars	circular	NOUN
easat-9950	342	3	,	,	PUNCT
easat-9950	342	4	eu	eu	PROPN
easat-9950	342	5	directives	directive	NOUN
easat-9950	342	6	;	;	PUNCT
easat-9950	342	7	banks	bank	NOUN
easat-9950	342	8	implement	implement	VERB
easat-9950	342	9	but	but	CCONJ
easat-9950	342	10	gaps	gap	NOUN
easat-9950	342	11	persist	persist	NOUN
easat-9950	342	12	.	.	PUNCT
easat-9950	343	1	compliance	compliance	NOUN
easat-9950	343	2	burden	burden	NOUN
easat-9950	343	3	can	can	AUX
easat-9950	343	4	slow	slow	VERB
easat-9950	343	5	rollouts	rollout	NOUN
easat-9950	343	6	.	.	PUNCT
easat-9950	344	1	map	map	NOUN
easat-9950	344	2	controls	control	NOUN
easat-9950	344	3	to	to	ADP
easat-9950	344	4	specific	specific	ADJ
easat-9950	344	5	journeys	journey	NOUN
easat-9950	344	6	;	;	PUNCT
easat-9950	344	7	maintain	maintain	VERB
easat-9950	344	8	living	living	NOUN
easat-9950	344	9	compliance	compliance	NOUN
easat-9950	344	10	checklists	checklist	NOUN
easat-9950	344	11	.	.	PUNCT
easat-9950	345	1	user	user	NOUN
easat-9950	345	2	experience	experience	NOUN
easat-9950	345	3	(	(	PUNCT
easat-9950	345	4	ux	ux	ADJ
easat-9950	345	5	)	)	PUNCT
easat-9950	345	6	ux	ux	PROPN
easat-9950	345	7	is	be	AUX
easat-9950	345	8	a	a	DET
easat-9950	345	9	strategic	strategic	ADJ
easat-9950	345	10	linchpin	linchpin	NOUN
easat-9950	345	11	;	;	PUNCT
easat-9950	345	12	weak	weak	ADJ
easat-9950	345	13	ux	ux	NOUN
easat-9950	345	14	causes	cause	VERB
easat-9950	345	15	business	business	NOUN
easat-9950	345	16	risk	risk	NOUN
easat-9950	345	17	.	.	PUNCT
easat-9950	346	1	heterogeneous	heterogeneous	ADJ
easat-9950	346	2	devices	device	NOUN
easat-9950	346	3	,	,	PUNCT
easat-9950	346	4	seasonal	seasonal	ADJ
easat-9950	346	5	load	load	NOUN
easat-9950	346	6	,	,	PUNCT
easat-9950	346	7	diverse	diverse	ADJ
easat-9950	346	8	behaviors	behavior	NOUN
easat-9950	346	9	.	.	PUNCT
easat-9950	347	1	better	well	ADJ
easat-9950	347	2	ux	ux	PROPN
easat-9950	347	3	improves	improve	VERB
easat-9950	347	4	adoption	adoption	NOUN
easat-9950	347	5	and	and	CCONJ
easat-9950	347	6	reduces	reduce	VERB
easat-9950	347	7	support	support	NOUN
easat-9950	347	8	costs	cost	NOUN
easat-9950	347	9	.	.	PUNCT
easat-9950	348	1	invest	invest	VERB
easat-9950	348	2	in	in	ADP
easat-9950	348	3	research	research	NOUN
easat-9950	348	4	,	,	PUNCT
easat-9950	348	5	accessibility	accessibility	NOUN
easat-9950	348	6	,	,	PUNCT
easat-9950	348	7	and	and	CCONJ
easat-9950	348	8	performance	performance	NOUN
easat-9950	348	9	budgets	budget	NOUN
easat-9950	348	10	per	per	ADP
easat-9950	348	11	screen	screen	NOUN
easat-9950	348	12	.	.	PUNCT
easat-9950	349	1	infrastructure	infrastructure	NOUN
easat-9950	349	2	&	&	CCONJ
easat-9950	349	3	skills	skill	NOUN
easat-9950	349	4	legacy	legacy	NOUN
easat-9950	349	5	infrastructure	infrastructure	NOUN
easat-9950	349	6	and	and	CCONJ
easat-9950	349	7	limited	limited	ADJ
easat-9950	349	8	specialized	specialized	ADJ
easat-9950	349	9	staff	staff	NOUN
easat-9950	349	10	hinder	hinder	NOUN
easat-9950	349	11	progress	progress	NOUN
easat-9950	349	12	.	.	PUNCT
easat-9950	350	1	need	need	VERB
easat-9950	350	2	upgrades	upgrade	NOUN
easat-9950	350	3	and	and	CCONJ
easat-9950	350	4	capability	capability	NOUN
easat-9950	350	5	building	building	NOUN
easat-9950	350	6	.	.	PUNCT
easat-9950	351	1	bottlenecks	bottleneck	NOUN
easat-9950	351	2	in	in	ADP
easat-9950	351	3	delivery	delivery	NOUN
easat-9950	351	4	speed	speed	NOUN
easat-9950	351	5	and	and	CCONJ
easat-9950	351	6	quality	quality	NOUN
easat-9950	351	7	.	.	PUNCT
easat-9950	352	1	prioritize	prioritize	VERB
easat-9950	352	2	core	core	NOUN
easat-9950	352	3	-	-	PUNCT
easat-9950	352	4	platform	platform	NOUN
easat-9950	352	5	modernization	modernization	NOUN
easat-9950	352	6	and	and	CCONJ
easat-9950	352	7	targeted	target	VERB
easat-9950	352	8	hiring	hiring	NOUN
easat-9950	352	9	/	/	SYM
easat-9950	352	10	upskilling	upskilling	NOUN
easat-9950	352	11	.	.	PUNCT
easat-9950	353	1	multichannel	multichannel	PROPN
easat-9950	353	2	consistency	consistency	PROPN
easat-9950	353	3	mobile	mobile	NOUN
easat-9950	353	4	,	,	PUNCT
easat-9950	353	5	web	web	NOUN
easat-9950	353	6	,	,	PUNCT
easat-9950	353	7	and	and	CCONJ
easat-9950	353	8	branch	branch	NOUN
easat-9950	353	9	must	must	AUX
easat-9950	353	10	complement	complement	VERB
easat-9950	353	11	each	each	DET
easat-9950	353	12	other	other	ADJ
easat-9950	353	13	.	.	PUNCT
easat-9950	354	1	early	early	ADJ
easat-9950	354	2	stages	stage	NOUN
easat-9950	354	3	favored	favor	VERB
easat-9950	354	4	multifunctional	multifunctional	ADJ
easat-9950	354	5	apps	app	NOUN
easat-9950	354	6	;	;	PUNCT
easat-9950	354	7	now	now	ADV
easat-9950	354	8	seamless	seamless	ADJ
easat-9950	354	9	journeys	journey	NOUN
easat-9950	354	10	dominate	dominate	VERB
easat-9950	354	11	.	.	PUNCT
easat-9950	355	1	inconsistent	inconsistent	ADJ
easat-9950	355	2	flows	flow	NOUN
easat-9950	355	3	reduce	reduce	VERB
easat-9950	355	4	trust	trust	NOUN
easat-9950	355	5	and	and	CCONJ
easat-9950	355	6	usage	usage	NOUN
easat-9950	355	7	.	.	PUNCT
easat-9950	356	1	define	define	VERB
easat-9950	356	2	shared	shared	ADJ
easat-9950	356	3	design	design	NOUN
easat-9950	356	4	system	system	NOUN
easat-9950	356	5	;	;	PUNCT
easat-9950	356	6	align	align	VERB
easat-9950	356	7	policies	policy	NOUN
easat-9950	356	8	(	(	PUNCT
easat-9950	356	9	limits	limit	NOUN
easat-9950	356	10	,	,	PUNCT
easat-9950	356	11	kyc	kyc	PROPN
easat-9950	356	12	)	)	PUNCT
easat-9950	356	13	across	across	ADP
easat-9950	356	14	channels	channel	NOUN
easat-9950	356	15	.	.	PUNCT
easat-9950	357	1	712	712	NUM
easat-9950	357	2	edelweiss	edelweiss	PROPN
easat-9950	357	3	applied	apply	VERB
easat-9950	357	4	science	science	NOUN
easat-9950	357	5	and	and	CCONJ
easat-9950	357	6	technology	technology	NOUN
easat-9950	357	7	issn	issn	PROPN
easat-9950	357	8	:	:	PUNCT
easat-9950	357	9	2576	2576	NUM
easat-9950	357	10	-	-	SYM
easat-9950	357	11	8484	8484	NUM
easat-9950	357	12	vol	vol	NOUN
easat-9950	357	13	.	.	PROPN
easat-9950	358	1	9	9	NUM
easat-9950	358	2	,	,	PUNCT
easat-9950	358	3	no	no	INTJ
easat-9950	358	4	.	.	NOUN
easat-9950	358	5	9	9	NUM
easat-9950	358	6	:	:	PUNCT
easat-9950	358	7	699	699	NUM
easat-9950	358	8	-	-	SYM
easat-9950	358	9	714	714	NUM
easat-9950	358	10	,	,	PUNCT
easat-9950	358	11	2025	2025	NUM
easat-9950	358	12	doi	doi	NOUN
easat-9950	358	13	:	:	PUNCT
easat-9950	358	14	10.55214/2576	10.55214/2576	NUM
easat-9950	358	15	-	-	SYM
easat-9950	358	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	359	1	©	©	PROPN
easat-9950	359	2	2025	2025	NUM
easat-9950	359	3	by	by	ADP
easat-9950	359	4	the	the	DET
easat-9950	359	5	authors	author	NOUN
easat-9950	359	6	;	;	PUNCT
easat-9950	359	7	licensee	licensee	PROPN
easat-9950	359	8	learning	learn	VERB
easat-9950	359	9	gate	gate	PROPN
easat-9950	359	10	mobile	mobile	ADJ
easat-9950	359	11	payments	payment	NOUN
easat-9950	359	12	tech	tech	PROPN
easat-9950	359	13	wap	wap	PROPN
easat-9950	359	14	/	/	SYM
easat-9950	359	15	sms	sms	PROPN
easat-9950	359	16	and	and	CCONJ
easat-9950	359	17	appbased	appbase	VERB
easat-9950	359	18	flows	flow	NOUN
easat-9950	359	19	remain	remain	VERB
easat-9950	359	20	viable	viable	ADJ
easat-9950	359	21	with	with	ADP
easat-9950	359	22	proper	proper	ADJ
easat-9950	359	23	security	security	NOUN
easat-9950	359	24	.	.	PUNCT
easat-9950	360	1	payment	payment	NOUN
easat-9950	360	2	&	&	CCONJ
easat-9950	360	3	clearing	clear	VERB
easat-9950	360	4	maturity	maturity	NOUN
easat-9950	360	5	drives	drive	VERB
easat-9950	360	6	usage	usage	NOUN
easat-9950	360	7	.	.	PUNCT
easat-9950	361	1	broader	broad	ADJ
easat-9950	361	2	acceptance	acceptance	NOUN
easat-9950	361	3	points	point	NOUN
easat-9950	361	4	and	and	CCONJ
easat-9950	361	5	ux	ux	PROPN
easat-9950	361	6	simplicity	simplicity	NOUN
easat-9950	361	7	are	be	AUX
easat-9950	361	8	critical	critical	ADJ
easat-9950	361	9	.	.	PUNCT
easat-9950	362	1	expand	expand	VERB
easat-9950	362	2	acceptance	acceptance	NOUN
easat-9950	362	3	,	,	PUNCT
easat-9950	362	4	optimize	optimize	VERB
easat-9950	362	5	key	key	ADJ
easat-9950	362	6	flows	flow	NOUN
easat-9950	362	7	(	(	PUNCT
easat-9950	362	8	p2p	p2p	NOUN
easat-9950	362	9	,	,	PUNCT
easat-9950	362	10	bill	bill	NOUN
easat-9950	362	11	pay	pay	PROPN
easat-9950	362	12	,	,	PUNCT
easat-9950	362	13	qr	qr	PROPN
easat-9950	362	14	)	)	PUNCT
easat-9950	362	15	,	,	PUNCT
easat-9950	362	16	minimize	minimize	VERB
easat-9950	362	17	steps	step	NOUN
easat-9950	362	18	.	.	PUNCT
easat-9950	363	1	market	market	NOUN
easat-9950	363	2	position	position	NOUN
easat-9950	363	3	vs	vs	ADP
easat-9950	363	4	eu	eu	PROPN
easat-9950	363	5	greece	greece	PROPN
easat-9950	363	6	lags	lag	VERB
easat-9950	363	7	eu	eu	PROPN
easat-9950	363	8	averages	average	NOUN
easat-9950	363	9	in	in	ADP
easat-9950	363	10	active	active	ADJ
easat-9950	363	11	mobile	mobile	ADJ
easat-9950	363	12	/	/	SYM
easat-9950	363	13	online	online	NOUN
easat-9950	363	14	banking	banking	NOUN
easat-9950	363	15	but	but	CCONJ
easat-9950	363	16	has	have	VERB
easat-9950	363	17	high	high	ADJ
easat-9950	363	18	growth	growth	NOUN
easat-9950	363	19	potential	potential	NOUN
easat-9950	363	20	.	.	PUNCT
easat-9950	364	1	eu	eu	PROPN
easat-9950	364	2	~half	~half	ADV
easat-9950	364	3	of	of	ADP
easat-9950	364	4	users	user	NOUN
easat-9950	364	5	bank	bank	PROPN
easat-9950	364	6	online	online	ADV
easat-9950	364	7	;	;	PUNCT
easat-9950	364	8	greece	greece	PROPN
easat-9950	364	9	historically	historically	ADV
easat-9950	364	10	lower	low	ADJ
easat-9950	364	11	but	but	CCONJ
easat-9950	364	12	rising	rise	VERB
easat-9950	364	13	.	.	PUNCT
easat-9950	365	1	catch	catch	VERB
easat-9950	365	2	up	up	ADP
easat-9950	365	3	gains	gain	NOUN
easat-9950	365	4	available	available	ADJ
easat-9950	365	5	for	for	ADP
easat-9950	365	6	first	first	ADJ
easat-9950	365	7	movers	mover	NOUN
easat-9950	365	8	.	.	PUNCT
easat-9950	366	1	benchmark	benchmark	NOUN
easat-9950	366	2	leaders	leader	NOUN
easat-9950	366	3	;	;	PUNCT
easat-9950	366	4	fast	fast	ADJ
easat-9950	366	5	follow	follow	NOUN
easat-9950	366	6	proven	prove	VERB
easat-9950	366	7	features	feature	NOUN
easat-9950	366	8	and	and	CCONJ
easat-9950	366	9	service	service	NOUN
easat-9950	366	10	levels	level	NOUN
easat-9950	366	11	.	.	PUNCT
easat-9950	367	1	crm	crm	PROPN
easat-9950	367	2	&	&	CCONJ
easat-9950	367	3	personalization	personalization	PROPN
easat-9950	367	4	mobile	mobile	PROPN
easat-9950	367	5	crm	crm	PROPN
easat-9950	367	6	plus	plus	CCONJ
easat-9950	367	7	analytics	analytic	NOUN
easat-9950	367	8	lifts	lift	VERB
easat-9950	367	9	engagement	engagement	NOUN
easat-9950	367	10	and	and	CCONJ
easat-9950	367	11	revenue	revenue	NOUN
easat-9950	367	12	.	.	PUNCT
easat-9950	368	1	converging	converge	VERB
easat-9950	368	2	online	online	ADJ
easat-9950	368	3	/	/	SYM
easat-9950	368	4	offline	offline	ADJ
easat-9950	368	5	/	/	SYM
easat-9950	368	6	mobile	mobile	ADJ
easat-9950	368	7	data	data	NOUN
easat-9950	368	8	enables	enable	VERB
easat-9950	368	9	relevance	relevance	NOUN
easat-9950	368	10	.	.	PUNCT
easat-9950	369	1	higher	high	ADJ
easat-9950	369	2	ltv	ltv	PROPN
easat-9950	369	3	and	and	CCONJ
easat-9950	369	4	lower	low	ADJ
easat-9950	369	5	churn	churn	NOUN
easat-9950	369	6	.	.	PUNCT
easat-9950	370	1	deploy	deploy	VERB
easat-9950	370	2	event	event	NOUN
easat-9950	370	3	-	-	PUNCT
easat-9950	370	4	based	base	VERB
easat-9950	370	5	messaging	messaging	NOUN
easat-9950	370	6	,	,	PUNCT
easat-9950	370	7	offers	offer	NOUN
easat-9950	370	8	,	,	PUNCT
easat-9950	370	9	and	and	CCONJ
easat-9950	370	10	a	a	DET
easat-9950	370	11	/	/	SYM
easat-9950	370	12	b	b	NOUN
easat-9950	370	13	testing	testing	NOUN
easat-9950	370	14	tied	tie	VERB
easat-9950	370	15	to	to	ADP
easat-9950	370	16	financial	financial	ADJ
easat-9950	370	17	health	health	NOUN
easat-9950	370	18	.	.	PUNCT
easat-9950	371	1	future	future	ADJ
easat-9950	371	2	outlook	outlook	NOUN
easat-9950	371	3	mobile	mobile	NOUN
easat-9950	371	4	+	+	CCONJ
easat-9950	371	5	internet	internet	NOUN
easat-9950	371	6	banking	banking	NOUN
easat-9950	371	7	convergence	convergence	NOUN
easat-9950	371	8	will	will	AUX
easat-9950	371	9	dominate	dominate	VERB
easat-9950	371	10	distribution	distribution	NOUN
easat-9950	371	11	;	;	PUNCT
easat-9950	371	12	branches	branch	NOUN
easat-9950	371	13	shift	shift	VERB
easat-9950	371	14	to	to	ADP
easat-9950	371	15	advice	advice	NOUN
easat-9950	371	16	.	.	PUNCT
easat-9950	372	1	digital	digital	ADJ
easat-9950	372	2	habits	habit	NOUN
easat-9950	372	3	and	and	CCONJ
easat-9950	372	4	device	device	NOUN
easat-9950	372	5	ubiquity	ubiquity	NOUN
easat-9950	372	6	reinforce	reinforce	VERB
easat-9950	372	7	this	this	DET
easat-9950	372	8	trajectory	trajectory	NOUN
easat-9950	372	9	.	.	PUNCT
easat-9950	373	1	distribution	distribution	NOUN
easat-9950	373	2	costs	cost	NOUN
easat-9950	373	3	fall	fall	VERB
easat-9950	373	4	;	;	PUNCT
easat-9950	373	5	digital	digital	ADJ
easat-9950	373	6	share	share	NOUN
easat-9950	373	7	of	of	ADP
easat-9950	373	8	transactions	transaction	NOUN
easat-9950	373	9	rises	rise	NOUN
easat-9950	373	10	.	.	PUNCT
easat-9950	374	1	plan	plan	NOUN
easat-9950	374	2	for	for	ADP
easat-9950	374	3	branch	branch	NOUN
easat-9950	374	4	-	-	PUNCT
easat-9950	374	5	light	light	NOUN
easat-9950	374	6	models	model	NOUN
easat-9950	374	7	and	and	CCONJ
easat-9950	374	8	digital	digital	ADJ
easat-9950	374	9	-	-	PUNCT
easat-9950	374	10	first	first	ADJ
easat-9950	374	11	servicing	servicing	NOUN
easat-9950	374	12	.	.	PUNCT
easat-9950	375	1	thus	thus	ADV
easat-9950	375	2	,	,	PUNCT
easat-9950	375	3	the	the	DET
easat-9950	375	4	contractors	contractor	NOUN
easat-9950	375	5	,	,	PUNCT
easat-9950	375	6	to	to	PART
easat-9950	375	7	gain	gain	VERB
easat-9950	375	8	the	the	DET
easat-9950	375	9	right	right	ADJ
easat-9950	375	10	access	access	NOUN
easat-9950	375	11	to	to	PART
easat-9950	375	12	execute	execute	VERB
easat-9950	375	13	the	the	DET
easat-9950	375	14	contract	contract	NOUN
easat-9950	375	15	,	,	PUNCT
easat-9950	375	16	had	have	VERB
easat-9950	375	17	to	to	PART
easat-9950	375	18	comply	comply	VERB
easat-9950	375	19	with	with	ADP
easat-9950	375	20	the	the	DET
easat-9950	375	21	procedural	procedural	ADJ
easat-9950	375	22	requisites	requisite	NOUN
easat-9950	375	23	.	.	PUNCT
easat-9950	376	1	however	however	ADV
easat-9950	376	2	,	,	PUNCT
easat-9950	376	3	such	such	ADJ
easat-9950	376	4	exclusive	exclusive	ADJ
easat-9950	376	5	dependencies	dependency	NOUN
easat-9950	376	6	are	be	AUX
easat-9950	376	7	unusual	unusual	ADJ
easat-9950	376	8	in	in	ADP
easat-9950	376	9	the	the	DET
easat-9950	376	10	supply	supply	NOUN
easat-9950	376	11	chain	chain	NOUN
easat-9950	376	12	;	;	PUNCT
easat-9950	376	13	if	if	SCONJ
easat-9950	376	14	mandatory	mandatory	ADJ
easat-9950	376	15	technical	technical	ADJ
easat-9950	376	16	requirements	requirement	NOUN
easat-9950	376	17	exist	exist	VERB
easat-9950	376	18	,	,	PUNCT
easat-9950	376	19	they	they	PRON
easat-9950	376	20	are	be	AUX
easat-9950	376	21	generally	generally	ADV
easat-9950	376	22	limited	limit	VERB
easat-9950	376	23	to	to	ADP
easat-9950	376	24	few	few	ADJ
easat-9950	376	25	commercial	commercial	ADJ
easat-9950	376	26	areas	area	NOUN
easat-9950	376	27	[	[	X
easat-9950	376	28	1	1	NUM
easat-9950	376	29	]	]	PUNCT
easat-9950	376	30	.	.	PUNCT
easat-9950	377	1	10	10	NUM
easat-9950	377	2	.	.	PUNCT
easat-9950	377	3	conclusion	conclusion	NOUN
easat-9950	377	4	mobile	mobile	ADJ
easat-9950	377	5	banking	banking	NOUN
easat-9950	377	6	constitutes	constitute	VERB
easat-9950	377	7	a	a	DET
easat-9950	377	8	subset	subset	NOUN
easat-9950	377	9	of	of	ADP
easat-9950	377	10	mobile	mobile	ADJ
easat-9950	377	11	commerce	commerce	PROPN
easat-9950	377	12	(	(	PUNCT
easat-9950	377	13	m	m	NOUN
easat-9950	377	14	-	-	NOUN
easat-9950	377	15	commerce	commerce	NOUN
easat-9950	377	16	)	)	PUNCT
easat-9950	377	17	,	,	PUNCT
easat-9950	377	18	characterized	characterize	VERB
easat-9950	377	19	by	by	ADP
easat-9950	377	20	the	the	DET
easat-9950	377	21	provision	provision	NOUN
easat-9950	377	22	of	of	ADP
easat-9950	377	23	financial	financial	ADJ
easat-9950	377	24	services	service	NOUN
easat-9950	377	25	such	such	ADJ
easat-9950	377	26	as	as	ADP
easat-9950	377	27	banking	banking	NOUN
easat-9950	377	28	and	and	CCONJ
easat-9950	377	29	trading	trading	NOUN
easat-9950	377	30	via	via	ADP
easat-9950	377	31	wireless	wireless	ADJ
easat-9950	377	32	communication	communication	NOUN
easat-9950	377	33	networks	network	NOUN
easat-9950	377	34	.	.	PUNCT
easat-9950	378	1	within	within	ADP
easat-9950	378	2	the	the	DET
easat-9950	378	3	context	context	NOUN
easat-9950	378	4	of	of	ADP
easat-9950	378	5	mobile	mobile	ADJ
easat-9950	378	6	banking	banking	NOUN
easat-9950	378	7	,	,	PUNCT
easat-9950	378	8	mobile	mobile	ADJ
easat-9950	378	9	applications	application	NOUN
easat-9950	378	10	represent	represent	VERB
easat-9950	378	11	a	a	DET
easat-9950	378	12	vital	vital	ADJ
easat-9950	378	13	innovation	innovation	NOUN
easat-9950	378	14	introduced	introduce	VERB
easat-9950	378	15	into	into	ADP
easat-9950	378	16	the	the	DET
easat-9950	378	17	financial	financial	ADJ
easat-9950	378	18	sector	sector	NOUN
easat-9950	378	19	during	during	ADP
easat-9950	378	20	the	the	DET
easat-9950	378	21	era	era	NOUN
easat-9950	378	22	of	of	ADP
easat-9950	378	23	wireless	wireless	ADJ
easat-9950	378	24	communications	communication	NOUN
easat-9950	378	25	.	.	PUNCT
easat-9950	379	1	for	for	ADP
easat-9950	379	2	greek	greek	ADJ
easat-9950	379	3	enterprises	enterprise	NOUN
easat-9950	379	4	,	,	PUNCT
easat-9950	379	5	mobile	mobile	ADJ
easat-9950	379	6	applications	application	NOUN
easat-9950	379	7	have	have	AUX
easat-9950	379	8	emerged	emerge	VERB
easat-9950	379	9	as	as	ADP
easat-9950	379	10	the	the	DET
easat-9950	379	11	most	most	ADV
easat-9950	379	12	effective	effective	ADJ
easat-9950	379	13	mechanism	mechanism	NOUN
easat-9950	379	14	for	for	ADP
easat-9950	379	15	aligning	align	VERB
easat-9950	379	16	internet	internet	NOUN
easat-9950	379	17	banking	banking	NOUN
easat-9950	379	18	with	with	ADP
easat-9950	379	19	contemporary	contemporary	ADJ
easat-9950	379	20	technological	technological	ADJ
easat-9950	379	21	trends	trend	NOUN
easat-9950	379	22	.	.	PUNCT
easat-9950	380	1	financial	financial	ADJ
easat-9950	380	2	institutions	institution	NOUN
easat-9950	380	3	that	that	PRON
easat-9950	380	4	allocate	allocate	VERB
easat-9950	380	5	resources	resource	NOUN
easat-9950	380	6	to	to	PART
easat-9950	380	7	develop	develop	VERB
easat-9950	380	8	mobile	mobile	ADJ
easat-9950	380	9	applications	application	NOUN
easat-9950	380	10	for	for	ADP
easat-9950	380	11	internet	internet	NOUN
easat-9950	380	12	banking	banking	NOUN
easat-9950	380	13	substantially	substantially	ADV
easat-9950	380	14	enhance	enhance	VERB
easat-9950	380	15	the	the	DET
easat-9950	380	16	supply	supply	NOUN
easat-9950	380	17	of	of	ADP
easat-9950	380	18	automated	automate	VERB
easat-9950	380	19	services	service	NOUN
easat-9950	380	20	,	,	PUNCT
easat-9950	380	21	thereby	thereby	ADV
easat-9950	380	22	advancing	advance	VERB
easat-9950	380	23	the	the	DET
easat-9950	380	24	digital	digital	ADJ
easat-9950	380	25	transformation	transformation	NOUN
easat-9950	380	26	of	of	ADP
easat-9950	380	27	their	their	PRON
easat-9950	380	28	operations	operation	NOUN
easat-9950	380	29	[	[	X
easat-9950	380	30	1	1	NUM
easat-9950	380	31	]	]	PUNCT
easat-9950	380	32	.	.	PUNCT
easat-9950	381	1	in	in	ADP
easat-9950	381	2	summary	summary	NOUN
easat-9950	381	3	,	,	PUNCT
easat-9950	381	4	mobile	mobile	ADJ
easat-9950	381	5	applications	application	NOUN
easat-9950	381	6	constitute	constitute	VERB
easat-9950	381	7	the	the	DET
easat-9950	381	8	preferred	preferred	ADJ
easat-9950	381	9	channel	channel	NOUN
easat-9950	381	10	through	through	ADP
easat-9950	381	11	which	which	PRON
easat-9950	381	12	greek	greek	NOUN
easat-9950	381	13	enterprises	enterprise	NOUN
easat-9950	381	14	satisfy	satisfy	VERB
easat-9950	381	15	the	the	DET
easat-9950	381	16	requirements	requirement	NOUN
easat-9950	381	17	of	of	ADP
easat-9950	381	18	businesses	business	NOUN
easat-9950	381	19	and	and	CCONJ
easat-9950	381	20	households	household	NOUN
easat-9950	381	21	for	for	ADP
easat-9950	381	22	internet	internet	NOUN
easat-9950	381	23	-	-	PUNCT
easat-9950	381	24	based	base	VERB
easat-9950	381	25	banking	banking	NOUN
easat-9950	381	26	services	service	NOUN
easat-9950	381	27	,	,	PUNCT
easat-9950	381	28	thereby	thereby	ADV
easat-9950	381	29	projecting	project	VERB
easat-9950	381	30	the	the	DET
easat-9950	381	31	sector	sector	NOUN
easat-9950	381	32	towards	towards	ADP
easat-9950	381	33	a	a	DET
easat-9950	381	34	more	more	ADV
easat-9950	381	35	flexible	flexible	ADJ
easat-9950	381	36	,	,	PUNCT
easat-9950	381	37	comprehensive	comprehensive	ADJ
easat-9950	381	38	,	,	PUNCT
easat-9950	381	39	and	and	CCONJ
easat-9950	381	40	unified	unified	ADJ
easat-9950	381	41	future	future	NOUN
easat-9950	381	42	.	.	PUNCT
easat-9950	382	1	transparency	transparency	NOUN
easat-9950	382	2	:	:	PUNCT
easat-9950	382	3	the	the	DET
easat-9950	382	4	authors	author	NOUN
easat-9950	382	5	confirm	confirm	VERB
easat-9950	382	6	that	that	SCONJ
easat-9950	382	7	the	the	DET
easat-9950	382	8	manuscript	manuscript	NOUN
easat-9950	382	9	is	be	AUX
easat-9950	382	10	an	an	DET
easat-9950	382	11	honest	honest	ADJ
easat-9950	382	12	,	,	PUNCT
easat-9950	382	13	accurate	accurate	ADJ
easat-9950	382	14	,	,	PUNCT
easat-9950	382	15	and	and	CCONJ
easat-9950	382	16	transparent	transparent	ADJ
easat-9950	382	17	account	account	NOUN
easat-9950	382	18	of	of	ADP
easat-9950	382	19	the	the	DET
easat-9950	382	20	study	study	NOUN
easat-9950	382	21	;	;	PUNCT
easat-9950	382	22	that	that	SCONJ
easat-9950	382	23	no	no	DET
easat-9950	382	24	vital	vital	ADJ
easat-9950	382	25	features	feature	NOUN
easat-9950	382	26	of	of	ADP
easat-9950	382	27	the	the	DET
easat-9950	382	28	study	study	NOUN
easat-9950	382	29	have	have	AUX
easat-9950	382	30	been	be	AUX
easat-9950	382	31	omitted	omit	VERB
easat-9950	382	32	;	;	PUNCT
easat-9950	382	33	and	and	CCONJ
easat-9950	382	34	that	that	SCONJ
easat-9950	382	35	any	any	DET
easat-9950	382	36	discrepancies	discrepancy	NOUN
easat-9950	382	37	from	from	ADP
easat-9950	382	38	the	the	DET
easat-9950	382	39	study	study	NOUN
easat-9950	382	40	as	as	SCONJ
easat-9950	382	41	planned	plan	VERB
easat-9950	382	42	have	have	AUX
easat-9950	382	43	been	be	AUX
easat-9950	382	44	explained	explain	VERB
easat-9950	382	45	.	.	PUNCT
easat-9950	383	1	this	this	DET
easat-9950	383	2	study	study	NOUN
easat-9950	383	3	followed	follow	VERB
easat-9950	383	4	all	all	DET
easat-9950	383	5	ethical	ethical	ADJ
easat-9950	383	6	practices	practice	NOUN
easat-9950	383	7	during	during	ADP
easat-9950	383	8	writing	writing	NOUN
easat-9950	383	9	.	.	PUNCT
easat-9950	384	1	copyright	copyright	NOUN
easat-9950	384	2	:	:	PUNCT
easat-9950	384	3	©	©	PROPN
easat-9950	384	4	2025	2025	NUM
easat-9950	384	5	by	by	ADP
easat-9950	384	6	the	the	DET
easat-9950	384	7	authors	author	NOUN
easat-9950	384	8	.	.	PUNCT
easat-9950	385	1	this	this	DET
easat-9950	385	2	open	open	ADJ
easat-9950	385	3	-	-	PUNCT
easat-9950	385	4	access	access	NOUN
easat-9950	385	5	article	article	NOUN
easat-9950	385	6	is	be	AUX
easat-9950	385	7	distributed	distribute	VERB
easat-9950	385	8	under	under	ADP
easat-9950	385	9	the	the	DET
easat-9950	385	10	terms	term	NOUN
easat-9950	385	11	and	and	CCONJ
easat-9950	385	12	conditions	condition	NOUN
easat-9950	385	13	of	of	ADP
easat-9950	385	14	the	the	DET
easat-9950	385	15	creative	creative	ADJ
easat-9950	385	16	commons	common	NOUN
easat-9950	385	17	attribution	attribution	NOUN
easat-9950	385	18	(	(	PUNCT
easat-9950	385	19	cc	cc	NOUN
easat-9950	385	20	by	by	ADP
easat-9950	385	21	)	)	PUNCT
easat-9950	385	22	license	license	NOUN
easat-9950	385	23	(	(	PUNCT
easat-9950	385	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9950	385	25	)	)	PUNCT
easat-9950	385	26	.	.	PUNCT
easat-9950	386	1	references	reference	NOUN
easat-9950	386	2	[	[	X
easat-9950	386	3	1	1	NUM
easat-9950	386	4	]	]	PUNCT
easat-9950	386	5	d.	d.	PROPN
easat-9950	386	6	anesti	anesti	PROPN
easat-9950	386	7	,	,	PUNCT
easat-9950	386	8	"	"	PUNCT
easat-9950	386	9	internet	internet	NOUN
easat-9950	386	10	banking	banking	NOUN
easat-9950	386	11	history	history	NOUN
easat-9950	386	12	and	and	CCONJ
easat-9950	386	13	strategies	strategy	NOUN
easat-9950	386	14	:	:	PUNCT
easat-9950	386	15	a	a	DET
easat-9950	386	16	case	case	NOUN
easat-9950	386	17	study	study	NOUN
easat-9950	386	18	of	of	ADP
easat-9950	386	19	u.s	u.s	PROPN
easat-9950	386	20	.	.	PROPN
easat-9950	386	21	and	and	CCONJ
easat-9950	386	22	greek	greek	ADJ
easat-9950	386	23	banks	bank	NOUN
easat-9950	386	24	,	,	PUNCT
easat-9950	386	25	"	"	PUNCT
easat-9950	386	26	2004	2004	NUM
easat-9950	386	27	.	.	PUNCT
easat-9950	387	1	https://core.ac.uk/download/229504884.pdf	https://core.ac.uk/download/229504884.pdf	PROPN
easat-9950	388	1	[	[	X
easat-9950	388	2	2	2	NUM
easat-9950	388	3	]	]	PUNCT
easat-9950	388	4	k.	k.	PROPN
easat-9950	388	5	pousttchi	pousttchi	PROPN
easat-9950	388	6	and	and	CCONJ
easat-9950	388	7	m.	m.	NOUN
easat-9950	388	8	schurig	schurig	NOUN
easat-9950	388	9	,	,	PUNCT
easat-9950	388	10	"	"	PUNCT
easat-9950	388	11	assessment	assessment	NOUN
easat-9950	388	12	of	of	ADP
easat-9950	388	13	today	today	NOUN
easat-9950	388	14	’s	’s	PART
easat-9950	388	15	mobile	mobile	ADJ
easat-9950	388	16	banking	banking	NOUN
easat-9950	388	17	applications	application	NOUN
easat-9950	388	18	from	from	ADP
easat-9950	388	19	the	the	DET
easat-9950	388	20	view	view	NOUN
easat-9950	388	21	of	of	ADP
easat-9950	388	22	customer	customer	NOUN
easat-9950	388	23	requirements	requirement	NOUN
easat-9950	388	24	,	,	PUNCT
easat-9950	388	25	"	"	PUNCT
easat-9950	388	26	2004	2004	NUM
easat-9950	388	27	.	.	PUNCT
easat-9950	389	1	https://core.ac.uk/download/213888569.pdf	https://core.ac.uk/download/213888569.pdf	PROPN
easat-9950	389	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9950	389	3	https://core.ac.uk/download/229504884.pdf	https://core.ac.uk/download/229504884.pdf	PROPN
easat-9950	389	4	https://core.ac.uk/download/213888569.pdf	https://core.ac.uk/download/213888569.pdf	PROPN
easat-9950	389	5	713	713	NUM
easat-9950	389	6	edelweiss	edelweiss	PROPN
easat-9950	389	7	applied	apply	VERB
easat-9950	389	8	science	science	NOUN
easat-9950	389	9	and	and	CCONJ
easat-9950	389	10	technology	technology	NOUN
easat-9950	389	11	issn	issn	PROPN
easat-9950	389	12	:	:	PUNCT
easat-9950	389	13	2576	2576	NUM
easat-9950	389	14	-	-	SYM
easat-9950	389	15	8484	8484	NUM
easat-9950	389	16	vol	vol	NOUN
easat-9950	389	17	.	.	PROPN
easat-9950	390	1	9	9	NUM
easat-9950	390	2	,	,	PUNCT
easat-9950	390	3	no	no	INTJ
easat-9950	390	4	.	.	NOUN
easat-9950	390	5	9	9	NUM
easat-9950	390	6	:	:	PUNCT
easat-9950	390	7	699	699	NUM
easat-9950	390	8	-	-	SYM
easat-9950	390	9	714	714	NUM
easat-9950	390	10	,	,	PUNCT
easat-9950	390	11	2025	2025	NUM
easat-9950	390	12	doi	doi	NOUN
easat-9950	390	13	:	:	PUNCT
easat-9950	390	14	10.55214/2576	10.55214/2576	NUM
easat-9950	390	15	-	-	SYM
easat-9950	390	16	8484.v9i9.9950	8484.v9i9.9950	NUM
easat-9950	391	1	©	©	PROPN
easat-9950	391	2	2025	2025	NUM
easat-9950	391	3	by	by	ADP
easat-9950	391	4	the	the	DET
easat-9950	391	5	authors	author	NOUN
easat-9950	391	6	;	;	PUNCT
easat-9950	391	7	licensee	licensee	PROPN
easat-9950	391	8	learning	learning	NOUN
easat-9950	391	9	gate	gate	NOUN
easat-9950	392	1	[	[	X
easat-9950	392	2	3	3	NUM
easat-9950	392	3	]	]	X
easat-9950	392	4	c.	c.	PROPN
easat-9950	392	5	challoumis	challoumis	PROPN
easat-9950	392	6	,	,	PUNCT
easat-9950	392	7	"	"	PUNCT
easat-9950	392	8	impact	impact	NOUN
easat-9950	392	9	factor	factor	NOUN
easat-9950	392	10	of	of	ADP
easat-9950	392	11	liability	liability	NOUN
easat-9950	392	12	of	of	ADP
easat-9950	392	13	tax	tax	NOUN
easat-9950	392	14	system	system	NOUN
easat-9950	392	15	according	accord	VERB
easat-9950	392	16	to	to	ADP
easat-9950	392	17	the	the	DET
easat-9950	392	18	theory	theory	NOUN
easat-9950	392	19	of	of	ADP
easat-9950	392	20	cycle	cycle	NOUN
easat-9950	392	21	of	of	ADP
easat-9950	392	22	money	money	NOUN
easat-9950	392	23	,	,	PUNCT
easat-9950	392	24	"	"	PUNCT
easat-9950	392	25	social	social	ADJ
easat-9950	392	26	and	and	CCONJ
easat-9950	392	27	economic	economic	ADJ
easat-9950	392	28	studies	study	NOUN
easat-9950	392	29	within	within	ADP
easat-9950	392	30	the	the	DET
easat-9950	392	31	framework	framework	NOUN
easat-9950	392	32	of	of	ADP
easat-9950	392	33	emerging	emerge	VERB
easat-9950	392	34	global	global	ADJ
easat-9950	392	35	developments	development	NOUN
easat-9950	392	36	,	,	PUNCT
easat-9950	392	37	vol	vol	NOUN
easat-9950	392	38	.	.	PROPN
easat-9950	393	1	3	3	NUM
easat-9950	393	2	,	,	PUNCT
easat-9950	393	3	pp	pp	ADJ
easat-9950	393	4	.	.	PUNCT
easat-9950	394	1	31	31	NUM
easat-9950	394	2	-	-	SYM
easat-9950	394	3	42	42	NUM
easat-9950	394	4	,	,	PUNCT
easat-9950	394	5	2023	2023	NUM
easat-9950	394	6	.	.	PUNCT
easat-9950	395	1	https://doi.org/10.3726/b20968	https://doi.org/10.3726/b20968	NUM
easat-9950	395	2	[	[	X
easat-9950	395	3	4	4	NUM
easat-9950	395	4	]	]	X
easat-9950	395	5	g.	g.	PROPN
easat-9950	395	6	giordani	giordani	PROPN
easat-9950	395	7	,	,	PUNCT
easat-9950	395	8	c.	c.	PROPN
easat-9950	395	9	floros	floros	PROPN
easat-9950	395	10	,	,	PUNCT
easat-9950	395	11	and	and	CCONJ
easat-9950	395	12	g.	g.	PROPN
easat-9950	395	13	judge	judge	PROPN
easat-9950	395	14	,	,	PUNCT
easat-9950	395	15	"	"	PUNCT
easat-9950	395	16	econometric	econometric	ADJ
easat-9950	395	17	investigation	investigation	NOUN
easat-9950	395	18	of	of	ADP
easat-9950	395	19	internet	internet	NOUN
easat-9950	395	20	banking	banking	NOUN
easat-9950	395	21	adoption	adoption	NOUN
easat-9950	395	22	in	in	ADP
easat-9950	395	23	greece	greece	PROPN
easat-9950	395	24	,	,	PUNCT
easat-9950	395	25	"	"	PUNCT
easat-9950	395	26	2014	2014	NUM
easat-9950	395	27	.	.	PUNCT
easat-9950	396	1	https://core.ac.uk/download/228125267.pdf	https://core.ac.uk/download/228125267.pdf	NOUN
easat-9950	397	1	[	[	X
easat-9950	397	2	5	5	NUM
easat-9950	397	3	]	]	PUNCT
easat-9950	397	4	c.	c.	PROPN
easat-9950	397	5	challoumis	challoumis	PROPN
easat-9950	397	6	,	,	PUNCT
easat-9950	397	7	"	"	PUNCT
easat-9950	397	8	index	index	NOUN
easat-9950	397	9	of	of	ADP
easat-9950	397	10	the	the	DET
easat-9950	397	11	cycle	cycle	NOUN
easat-9950	397	12	of	of	ADP
easat-9950	397	13	money	money	NOUN
easat-9950	397	14	:	:	PUNCT
easat-9950	397	15	the	the	DET
easat-9950	397	16	case	case	NOUN
easat-9950	397	17	of	of	ADP
easat-9950	397	18	costa	costa	PROPN
easat-9950	397	19	rica	rica	PROPN
easat-9950	397	20	,	,	PUNCT
easat-9950	397	21	"	"	PUNCT
easat-9950	397	22	sapienza	sapienza	PROPN
easat-9950	397	23	:	:	PUNCT
easat-9950	397	24	international	international	ADJ
easat-9950	397	25	journal	journal	NOUN
easat-9950	397	26	of	of	ADP
easat-9950	397	27	interdisciplinary	interdisciplinary	ADJ
easat-9950	397	28	studies	study	NOUN
easat-9950	397	29	,	,	PUNCT
easat-9950	397	30	vol	vol	NOUN
easat-9950	397	31	.	.	PROPN
easat-9950	397	32	4	4	NUM
easat-9950	397	33	,	,	PUNCT
easat-9950	397	34	no	no	INTJ
easat-9950	397	35	.	.	NOUN
easat-9950	397	36	3	3	NUM
easat-9950	397	37	,	,	PUNCT
easat-9950	397	38	p.	p.	NOUN
easat-9950	397	39	e23041	e23041	PROPN
easat-9950	397	40	,	,	PUNCT
easat-9950	397	41	2023	2023	NUM
easat-9950	397	42	.	.	PUNCT
easat-9950	398	1	[	[	X
easat-9950	398	2	6	6	NUM
easat-9950	398	3	]	]	PUNCT
easat-9950	398	4	c.	c.	PROPN
easat-9950	398	5	challoumis	challoumis	PROPN
easat-9950	398	6	,	,	PUNCT
easat-9950	398	7	"	"	PUNCT
easat-9950	398	8	impact	impact	NOUN
easat-9950	398	9	factor	factor	NOUN
easat-9950	398	10	of	of	ADP
easat-9950	398	11	liability	liability	NOUN
easat-9950	398	12	using	use	VERB
easat-9950	398	13	the	the	DET
easat-9950	398	14	sensitivity	sensitivity	NOUN
easat-9950	398	15	method	method	NOUN
easat-9950	398	16	,	,	PUNCT
easat-9950	398	17	"	"	PUNCT
easat-9950	398	18	social	social	ADJ
easat-9950	398	19	and	and	CCONJ
easat-9950	398	20	economic	economic	ADJ
easat-9950	398	21	studies	study	NOUN
easat-9950	398	22	within	within	ADP
easat-9950	398	23	the	the	DET
easat-9950	398	24	framework	framework	NOUN
easat-9950	398	25	of	of	ADP
easat-9950	398	26	emerging	emerge	VERB
easat-9950	398	27	global	global	ADJ
easat-9950	398	28	developments	development	NOUN
easat-9950	398	29	,	,	PUNCT
easat-9950	398	30	vol	vol	NOUN
easat-9950	398	31	.	.	PROPN
easat-9950	398	32	6	6	NUM
easat-9950	398	33	,	,	PUNCT
easat-9950	398	34	pp	pp	ADJ
easat-9950	398	35	.	.	PUNCT
easat-9950	399	1	77	77	NUM
easat-9950	399	2	-	-	SYM
easat-9950	399	3	86	86	NUM
easat-9950	399	4	,	,	PUNCT
easat-9950	399	5	2024	2024	NUM
easat-9950	399	6	.	.	PUNCT
easat-9950	400	1	[	[	X
easat-9950	400	2	7	7	X
easat-9950	400	3	]	]	X
easat-9950	400	4	c.	c.	PROPN
easat-9950	400	5	challoumis	challoumis	PROPN
easat-9950	400	6	,	,	PUNCT
easat-9950	400	7	"	"	PUNCT
easat-9950	400	8	rewarding	rewarding	ADJ
easat-9950	400	9	taxes	taxis	NOUN
easat-9950	400	10	on	on	ADP
easat-9950	400	11	the	the	DET
easat-9950	400	12	cycle	cycle	NOUN
easat-9950	400	13	of	of	ADP
easat-9950	400	14	money	money	NOUN
easat-9950	400	15	,	,	PUNCT
easat-9950	400	16	"	"	PUNCT
easat-9950	400	17	social	social	ADJ
easat-9950	400	18	and	and	CCONJ
easat-9950	400	19	economic	economic	ADJ
easat-9950	400	20	studies	study	NOUN
easat-9950	400	21	within	within	ADP
easat-9950	400	22	the	the	DET
easat-9950	400	23	framework	framework	NOUN
easat-9950	400	24	of	of	ADP
easat-9950	400	25	emerging	emerge	VERB
easat-9950	400	26	global	global	ADJ
easat-9950	400	27	developments	development	NOUN
easat-9950	400	28	,	,	PUNCT
easat-9950	400	29	vol	vol	NOUN
easat-9950	400	30	.	.	PROPN
easat-9950	400	31	5	5	NUM
easat-9950	400	32	,	,	PUNCT
easat-9950	400	33	2024	2024	NUM
easat-9950	400	34	.	.	PUNCT
easat-9950	401	1	[	[	X
easat-9950	401	2	8	8	NUM
easat-9950	401	3	]	]	X
easat-9950	401	4	c.	c.	PROPN
easat-9950	401	5	challoumis	challoumis	PROPN
easat-9950	401	6	,	,	PUNCT
easat-9950	401	7	"	"	PUNCT
easat-9950	401	8	the	the	DET
easat-9950	401	9	impact	impact	NOUN
easat-9950	401	10	factor	factor	NOUN
easat-9950	401	11	of	of	ADP
easat-9950	401	12	tangibles	tangible	NOUN
easat-9950	401	13	and	and	CCONJ
easat-9950	401	14	intangibles	intangible	NOUN
easat-9950	401	15	of	of	ADP
easat-9950	401	16	controlled	control	VERB
easat-9950	401	17	transactions	transaction	NOUN
easat-9950	401	18	on	on	ADP
easat-9950	401	19	economic	economic	ADJ
easat-9950	401	20	performance	performance	NOUN
easat-9950	401	21	,	,	PUNCT
easat-9950	401	22	"	"	PUNCT
easat-9950	401	23	economic	economic	ADJ
easat-9950	401	24	alternatives	alternative	NOUN
easat-9950	401	25	,	,	PUNCT
easat-9950	401	26	vol	vol	NOUN
easat-9950	401	27	.	.	PROPN
easat-9950	401	28	31	31	NUM
easat-9950	401	29	,	,	PUNCT
easat-9950	401	30	no	no	INTJ
easat-9950	401	31	.	.	NOUN
easat-9950	401	32	1	1	NUM
easat-9950	401	33	,	,	PUNCT
easat-9950	401	34	pp	pp	ADJ
easat-9950	401	35	.	.	PUNCT
easat-9950	402	1	64–76	64–76	NOUN
easat-9950	402	2	,	,	PUNCT
easat-9950	402	3	2024	2024	NUM
easat-9950	402	4	.	.	PUNCT
easat-9950	403	1	[	[	X
easat-9950	403	2	9	9	NUM
easat-9950	403	3	]	]	X
easat-9950	403	4	c.	c.	PROPN
easat-9950	403	5	challoumis	challoumis	PROPN
easat-9950	403	6	,	,	PUNCT
easat-9950	403	7	"	"	PUNCT
easat-9950	403	8	the	the	DET
easat-9950	403	9	inflation	inflation	NOUN
easat-9950	403	10	according	accord	VERB
easat-9950	403	11	to	to	ADP
easat-9950	403	12	the	the	DET
easat-9950	403	13	cycle	cycle	NOUN
easat-9950	403	14	of	of	ADP
easat-9950	403	15	money	money	NOUN
easat-9950	403	16	(	(	PUNCT
easat-9950	403	17	cm	cm	NOUN
easat-9950	403	18	)	)	PUNCT
easat-9950	403	19	,	,	PUNCT
easat-9950	403	20	"	"	PUNCT
easat-9950	403	21	economic	economic	ADJ
easat-9950	403	22	alternatives	alternative	NOUN
easat-9950	403	23	,	,	PUNCT
easat-9950	403	24	vol	vol	NOUN
easat-9950	403	25	.	.	PROPN
easat-9950	403	26	2	2	NUM
easat-9950	403	27	,	,	PUNCT
easat-9950	403	28	pp	pp	ADJ
easat-9950	403	29	.	.	PUNCT
easat-9950	404	1	324–353	324–353	NUM
easat-9950	404	2	,	,	PUNCT
easat-9950	404	3	2024	2024	NUM
easat-9950	404	4	.	.	PUNCT
easat-9950	405	1	https://doi.org/https://doi.org/10.37075/ea.2025.2.03	https://doi.org/https://doi.org/10.37075/ea.2025.2.03	PROPN
easat-9950	406	1	[	[	X
easat-9950	406	2	10	10	NUM
easat-9950	406	3	]	]	X
easat-9950	406	4	c.	c.	PROPN
easat-9950	406	5	challoumis	challoumis	PROPN
easat-9950	406	6	,	,	PUNCT
easat-9950	406	7	"	"	PUNCT
easat-9950	406	8	comparing	compare	VERB
easat-9950	406	9	the	the	DET
easat-9950	406	10	cycle	cycle	NOUN
easat-9950	406	11	of	of	ADP
easat-9950	406	12	money	money	NOUN
easat-9950	406	13	:	:	PUNCT
easat-9950	406	14	rewarding	reward	VERB
easat-9950	406	15	taxes	taxis	NOUN
easat-9950	406	16	and	and	CCONJ
easat-9950	406	17	the	the	DET
easat-9950	406	18	impact	impact	NOUN
easat-9950	406	19	factor	factor	NOUN
easat-9950	406	20	of	of	ADP
easat-9950	406	21	education	education	NOUN
easat-9950	406	22	,	,	PUNCT
easat-9950	406	23	"	"	PUNCT
easat-9950	406	24	sustainable	sustainable	ADJ
easat-9950	406	25	perspectives	perspective	NOUN
easat-9950	406	26	in	in	ADP
easat-9950	406	27	business	business	NOUN
easat-9950	406	28	economics	economic	NOUN
easat-9950	406	29	and	and	CCONJ
easat-9950	406	30	education	education	NOUN
easat-9950	406	31	theoretical	theoretical	ADJ
easat-9950	406	32	and	and	CCONJ
easat-9950	406	33	empirical	empirical	ADJ
easat-9950	406	34	approaches	approach	NOUN
easat-9950	406	35	,	,	PUNCT
easat-9950	406	36	pp	pp	ADJ
easat-9950	406	37	.	.	PUNCT
easat-9950	407	1	33–42	33–42	NUM
easat-9950	407	2	,	,	PUNCT
easat-9950	407	3	2025	2025	NUM
easat-9950	407	4	.	.	PUNCT
easat-9950	408	1	[	[	X
easat-9950	408	2	11	11	NUM
easat-9950	408	3	]	]	X
easat-9950	408	4	c.	c.	PROPN
easat-9950	408	5	challoumis	challoumis	PROPN
easat-9950	408	6	and	and	CCONJ
easat-9950	408	7	n.	n.	PROPN
easat-9950	408	8	eriotis	eriotis	PROPN
easat-9950	408	9	,	,	PUNCT
easat-9950	408	10	"	"	PUNCT
easat-9950	408	11	the	the	DET
easat-9950	408	12	impact	impact	NOUN
easat-9950	408	13	of	of	ADP
easat-9950	408	14	artificial	artificial	ADJ
easat-9950	408	15	intelligence	intelligence	NOUN
easat-9950	408	16	on	on	ADP
easat-9950	408	17	the	the	DET
easat-9950	408	18	greek	greek	NOUN
easat-9950	408	19	economy	economy	NOUN
easat-9950	408	20	,	,	PUNCT
easat-9950	408	21	"	"	PUNCT
easat-9950	408	22	journal	journal	NOUN
easat-9950	408	23	of	of	ADP
easat-9950	408	24	open	open	ADJ
easat-9950	408	25	innovation	innovation	NOUN
easat-9950	408	26	:	:	PUNCT
easat-9950	408	27	technology	technology	NOUN
easat-9950	408	28	,	,	PUNCT
easat-9950	408	29	market	market	NOUN
easat-9950	408	30	,	,	PUNCT
easat-9950	408	31	and	and	CCONJ
easat-9950	408	32	complexity	complexity	NOUN
easat-9950	408	33	,	,	PUNCT
easat-9950	408	34	vol	vol	NOUN
easat-9950	408	35	.	.	PROPN
easat-9950	408	36	11	11	NUM
easat-9950	408	37	,	,	PUNCT
easat-9950	408	38	no	no	INTJ
easat-9950	408	39	.	.	NOUN
easat-9950	408	40	3	3	NUM
easat-9950	408	41	,	,	PUNCT
easat-9950	408	42	pp	pp	ADJ
easat-9950	408	43	.	.	PUNCT
easat-9950	409	1	1	1	NUM
easat-9950	409	2	-	-	SYM
easat-9950	409	3	13	13	NUM
easat-9950	409	4	,	,	PUNCT
easat-9950	409	5	2025	2025	NUM
easat-9950	409	6	.	.	PUNCT
easat-9950	410	1	https://doi.org/https://doi.org/10.1016/j.joitmc.2025.100578	https://doi.org/https://doi.org/10.1016/j.joitmc.2025.100578	X
easat-9950	410	2	.	.	PUNCT
easat-9950	411	1	[	[	X
easat-9950	411	2	12	12	NUM
easat-9950	411	3	]	]	X
easat-9950	411	4	c.	c.	PROPN
easat-9950	411	5	challoumis	challoumis	PROPN
easat-9950	411	6	-	-	PUNCT
easat-9950	411	7	constantinos	constantinos	PROPN
easat-9950	411	8	challoumis	challoumis	VERB
easat-9950	411	9	,	,	PUNCT
easat-9950	411	10	"	"	PUNCT
easat-9950	411	11	a	a	DET
easat-9950	411	12	comparison	comparison	NOUN
easat-9950	411	13	of	of	ADP
easat-9950	411	14	the	the	DET
easat-9950	411	15	velocities	velocity	NOUN
easat-9950	411	16	of	of	ADP
easat-9950	411	17	minimum	minimum	NOUN
easat-9950	411	18	escaped	escape	VERB
easat-9950	411	19	savings	saving	NOUN
easat-9950	411	20	and	and	CCONJ
easat-9950	411	21	financial	financial	ADJ
easat-9950	411	22	liquidity	liquidity	NOUN
easat-9950	411	23	,	,	PUNCT
easat-9950	411	24	"	"	PUNCT
easat-9950	411	25	social	social	ADJ
easat-9950	411	26	and	and	CCONJ
easat-9950	411	27	economic	economic	ADJ
easat-9950	411	28	studies	study	NOUN
easat-9950	411	29	within	within	ADP
easat-9950	411	30	the	the	DET
easat-9950	411	31	framework	framework	NOUN
easat-9950	411	32	of	of	ADP
easat-9950	411	33	emerging	emerge	VERB
easat-9950	411	34	global	global	ADJ
easat-9950	411	35	developments	development	NOUN
easat-9950	411	36	,	,	PUNCT
easat-9950	411	37	vol	vol	NOUN
easat-9950	411	38	.	.	PROPN
easat-9950	411	39	4	4	NUM
easat-9950	411	40	,	,	PUNCT
easat-9950	411	41	pp	pp	ADJ
easat-9950	411	42	.	.	PUNCT
easat-9950	412	1	41	41	NUM
easat-9950	412	2	-	-	SYM
easat-9950	412	3	56	56	NUM
easat-9950	412	4	,	,	PUNCT
easat-9950	412	5	2023	2023	NUM
easat-9950	412	6	.	.	PUNCT
easat-9950	413	1	https://doi.org/10.3726/b21202	https://doi.org/10.3726/b21202	NOUN
easat-9950	414	1	[	[	X
easat-9950	414	2	13	13	NUM
easat-9950	414	3	]	]	X
easat-9950	414	4	c.	c.	PROPN
easat-9950	414	5	challoumis	challoumis	PROPN
easat-9950	414	6	-	-	PUNCT
easat-9950	414	7	constantinos	constantinos	PROPN
easat-9950	414	8	challoumis	challoumis	VERB
easat-9950	414	9	,	,	PUNCT
easat-9950	414	10	"	"	PUNCT
easat-9950	414	11	chapter	chapter	NOUN
easat-9950	414	12	:	:	PUNCT
easat-9950	414	13	utility	utility	NOUN
easat-9950	414	14	of	of	ADP
easat-9950	414	15	cycle	cycle	NOUN
easat-9950	414	16	of	of	ADP
easat-9950	414	17	money	money	NOUN
easat-9950	414	18	without	without	ADP
easat-9950	414	19	the	the	DET
easat-9950	414	20	escaping	escape	VERB
easat-9950	414	21	savings	saving	NOUN
easat-9950	414	22	protection	protection	NOUN
easat-9950	414	23	of	of	ADP
easat-9950	414	24	the	the	DET
easat-9950	414	25	economy	economy	NOUN
easat-9950	414	26	,	,	PUNCT
easat-9950	414	27	"	"	PUNCT
easat-9950	414	28	social	social	ADJ
easat-9950	414	29	and	and	CCONJ
easat-9950	414	30	economic	economic	ADJ
easat-9950	414	31	studies	study	NOUN
easat-9950	414	32	within	within	ADP
easat-9950	414	33	the	the	DET
easat-9950	414	34	framework	framework	NOUN
easat-9950	414	35	of	of	ADP
easat-9950	414	36	emerging	emerge	VERB
easat-9950	414	37	global	global	ADJ
easat-9950	414	38	developments	development	NOUN
easat-9950	414	39	,	,	PUNCT
easat-9950	414	40	vol	vol	NOUN
easat-9950	414	41	.	.	PROPN
easat-9950	415	1	2	2	NUM
easat-9950	415	2	,	,	PUNCT
easat-9950	415	3	pp	pp	ADJ
easat-9950	415	4	.	.	PUNCT
easat-9950	416	1	53	53	NUM
easat-9950	416	2	-	-	SYM
easat-9950	416	3	64	64	NUM
easat-9950	416	4	,	,	PUNCT
easat-9950	416	5	2023	2023	NUM
easat-9950	416	6	.	.	PUNCT
easat-9950	417	1	https://doi.org/10.3726/b20509	https://doi.org/10.3726/b20509	NUM
easat-9950	417	2	[	[	X
easat-9950	417	3	14	14	NUM
easat-9950	417	4	]	]	X
easat-9950	417	5	c.	c.	PROPN
easat-9950	417	6	challoumis	challoumis	PROPN
easat-9950	417	7	-	-	PUNCT
easat-9950	417	8	κωνσταντίνος	κωνσταντίνος	NOUN
easat-9950	417	9	χαλλουμής	χαλλουμής	NOUN
easat-9950	417	10	,	,	PUNCT
easat-9950	417	11	"	"	PUNCT
easat-9950	417	12	chapter	chapter	NOUN
easat-9950	417	13	:	:	PUNCT
easat-9950	417	14	conditions	condition	NOUN
easat-9950	417	15	of	of	ADP
easat-9950	417	16	the	the	DET
easat-9950	417	17	cm	cm	NOUN
easat-9950	417	18	cycle	cycle	NOUN
easat-9950	417	19	of	of	ADP
easat-9950	417	20	money	money	NOUN
easat-9950	417	21	,	,	PUNCT
easat-9950	417	22	"	"	PUNCT
easat-9950	417	23	available	available	ADJ
easat-9950	417	24	at	at	ADP
easat-9950	417	25	ssrn	ssrn	PROPN
easat-9950	417	26	4262757	4262757	NUM
easat-9950	417	27	,	,	PUNCT
easat-9950	417	28	pp	pp	ADP
easat-9950	417	29	.	.	PUNCT
easat-9950	418	1	13–24	13–24	NUM
easat-9950	418	2	,	,	PUNCT
easat-9950	418	3	2022	2022	NUM
easat-9950	418	4	.	.	PUNCT
easat-9950	419	1	https://doi.org/10.3726/b19907	https://doi.org/10.3726/b19907	NUM
easat-9950	420	1	[	[	X
easat-9950	420	2	15	15	NUM
easat-9950	420	3	]	]	X
easat-9950	420	4	s.	s.	PROPN
easat-9950	420	5	choudhary	choudhary	PROPN
easat-9950	420	6	,	,	PUNCT
easat-9950	420	7	"	"	PUNCT
easat-9950	420	8	artificial	artificial	ADJ
easat-9950	420	9	intelligence	intelligence	NOUN
easat-9950	420	10	and	and	CCONJ
easat-9950	420	11	its	its	PRON
easat-9950	420	12	impact	impact	NOUN
easat-9950	420	13	on	on	ADP
easat-9950	420	14	economic	economic	ADJ
easat-9950	420	15	growth	growth	NOUN
easat-9950	420	16	,	,	PUNCT
easat-9950	420	17	"	"	PUNCT
easat-9950	420	18	shodh	shodh	NOUN
easat-9950	420	19	sari	sari	NOUN
easat-9950	420	20	-	-	PUNCT
easat-9950	420	21	an	an	DET
easat-9950	420	22	international	international	ADJ
easat-9950	420	23	multidisciplinary	multidisciplinary	ADJ
easat-9950	420	24	,	,	PUNCT
easat-9950	420	25	vol	vol	NOUN
easat-9950	420	26	.	.	PROPN
easat-9950	420	27	10	10	NUM
easat-9950	420	28	,	,	PUNCT
easat-9950	420	29	no	no	INTJ
easat-9950	420	30	.	.	NOUN
easat-9950	420	31	55	55	NUM
easat-9950	420	32	,	,	PUNCT
easat-9950	420	33	p.	p.	NOUN
easat-9950	420	34	44	44	NUM
easat-9950	420	35	,	,	PUNCT
easat-9950	420	36	2024	2024	NUM
easat-9950	420	37	.	.	PUNCT
easat-9950	421	1	[	[	X
easat-9950	421	2	16	16	NUM
easat-9950	421	3	]	]	PUNCT
easat-9950	421	4	a.	a.	NOUN
easat-9950	421	5	davoyan	davoyan	PROPN
easat-9950	421	6	,	,	PUNCT
easat-9950	421	7	"	"	PUNCT
easat-9950	421	8	the	the	DET
easat-9950	421	9	impact	impact	NOUN
easat-9950	421	10	of	of	ADP
easat-9950	421	11	artificial	artificial	ADJ
easat-9950	421	12	intelligence	intelligence	NOUN
easat-9950	421	13	on	on	ADP
easat-9950	421	14	economy	economy	NOUN
easat-9950	421	15	,	,	PUNCT
easat-9950	421	16	"	"	PUNCT
easat-9950	421	17	presented	present	VERB
easat-9950	421	18	at	at	ADP
easat-9950	421	19	the	the	DET
easat-9950	421	20	proceedings	proceeding	NOUN
easat-9950	421	21	of	of	ADP
easat-9950	421	22	the	the	DET
easat-9950	421	23	future	future	ADJ
easat-9950	421	24	technologies	technology	NOUN
easat-9950	421	25	conference	conference	NOUN
easat-9950	421	26	,	,	PUNCT
easat-9950	421	27	2023	2023	NUM
easat-9950	421	28	.	.	PUNCT
easat-9950	422	1	[	[	X
easat-9950	422	2	17	17	NUM
easat-9950	422	3	]	]	X
easat-9950	422	4	n.	n.	NOUN
easat-9950	422	5	giovanis	giovanis	PROPN
easat-9950	422	6	,	,	PUNCT
easat-9950	422	7	p.	p.	NOUN
easat-9950	422	8	pantelidis	pantelidi	NOUN
easat-9950	422	9	,	,	PUNCT
easat-9950	422	10	m.	m.	NOUN
easat-9950	422	11	pazarskis	pazarskis	PROPN
easat-9950	422	12	,	,	PUNCT
easat-9950	422	13	and	and	CCONJ
easat-9950	422	14	e.	e.	PROPN
easat-9950	422	15	tairi	tairi	PROPN
easat-9950	422	16	,	,	PUNCT
easat-9950	422	17	"	"	PUNCT
easat-9950	422	18	assessing	assess	VERB
easat-9950	422	19	employment	employment	NOUN
easat-9950	422	20	effects	effect	NOUN
easat-9950	422	21	of	of	ADP
easat-9950	422	22	mergers	merger	NOUN
easat-9950	422	23	using	use	VERB
easat-9950	422	24	accounting	accounting	NOUN
easat-9950	422	25	measures	measure	NOUN
easat-9950	422	26	:	:	PUNCT
easat-9950	422	27	some	some	DET
easat-9950	422	28	evidence	evidence	NOUN
easat-9950	422	29	from	from	ADP
easat-9950	422	30	greece	greece	PROPN
easat-9950	422	31	in	in	ADP
easat-9950	422	32	the	the	DET
easat-9950	422	33	period	period	NOUN
easat-9950	422	34	of	of	ADP
easat-9950	422	35	economic	economic	ADJ
easat-9950	422	36	crisis	crisis	NOUN
easat-9950	422	37	,	,	PUNCT
easat-9950	422	38	"	"	PUNCT
easat-9950	422	39	journal	journal	NOUN
easat-9950	422	40	of	of	ADP
easat-9950	422	41	accounting	accounting	NOUN
easat-9950	422	42	and	and	CCONJ
easat-9950	422	43	taxation	taxation	NOUN
easat-9950	422	44	,	,	PUNCT
easat-9950	422	45	vol	vol	NOUN
easat-9950	422	46	.	.	PROPN
easat-9950	422	47	9	9	NUM
easat-9950	422	48	,	,	PUNCT
easat-9950	422	49	no	no	INTJ
easat-9950	422	50	.	.	NOUN
easat-9950	422	51	10	10	NUM
easat-9950	422	52	,	,	PUNCT
easat-9950	422	53	pp	pp	ADJ
easat-9950	422	54	.	.	PUNCT
easat-9950	423	1	131	131	NUM
easat-9950	423	2	-	-	SYM
easat-9950	423	3	138	138	NUM
easat-9950	423	4	,	,	PUNCT
easat-9950	423	5	2017	2017	NUM
easat-9950	423	6	.	.	PUNCT
easat-9950	424	1	https://doi.org/10.5897/jat2017.0284	https://doi.org/10.5897/jat2017.0284	X
easat-9950	425	1	[	[	X
easat-9950	425	2	18	18	NUM
easat-9950	425	3	]	]	PUNCT
easat-9950	425	4	t.	t.	NOUN
easat-9950	425	5	gries	grie	NOUN
easat-9950	425	6	and	and	CCONJ
easat-9950	425	7	w.	w.	PROPN
easat-9950	425	8	naudé	naudé	PROPN
easat-9950	425	9	,	,	PUNCT
easat-9950	425	10	"	"	PUNCT
easat-9950	425	11	artificial	artificial	ADJ
easat-9950	425	12	intelligence	intelligence	NOUN
easat-9950	425	13	,	,	PUNCT
easat-9950	425	14	income	income	NOUN
easat-9950	425	15	distribution	distribution	NOUN
easat-9950	425	16	and	and	CCONJ
easat-9950	425	17	economic	economic	ADJ
easat-9950	425	18	growth	growth	NOUN
easat-9950	425	19	,	,	PUNCT
easat-9950	425	20	"	"	PUNCT
easat-9950	425	21	iza	iza	PROPN
easat-9950	425	22	discussion	discussion	PROPN
easat-9950	425	23	paper	paper	PROPN
easat-9950	425	24	no	no	INTJ
easat-9950	425	25	.	.	PUNCT
easat-9950	425	26	 	 	SPACE
easat-9950	425	27	13606	13606	NUM
easat-9950	425	28	;	;	PUNCT
easat-9950	425	29	glo	glo	PROPN
easat-9950	425	30	discussion	discussion	NOUN
easat-9950	425	31	paper	paper	NOUN
easat-9950	425	32	no	no	INTJ
easat-9950	425	33	.	.	PUNCT
easat-9950	425	34	 	 	SPACE
easat-9950	426	1	632	632	NUM
easat-9950	426	2	,	,	PUNCT
easat-9950	426	3	2020	2020	NUM
easat-9950	426	4	.	.	PUNCT
easat-9950	427	1	[	[	X
easat-9950	427	2	19	19	NUM
easat-9950	427	3	]	]	X
easat-9950	427	4	y.	y.	NOUN
easat-9950	427	5	he	he	PRON
easat-9950	427	6	,	,	PUNCT
easat-9950	427	7	"	"	PUNCT
easat-9950	427	8	the	the	DET
easat-9950	427	9	importance	importance	NOUN
easat-9950	427	10	of	of	ADP
easat-9950	427	11	artificial	artificial	ADJ
easat-9950	427	12	intelligence	intelligence	NOUN
easat-9950	427	13	to	to	ADP
easat-9950	427	14	economic	economic	ADJ
easat-9950	427	15	growth	growth	NOUN
easat-9950	427	16	,	,	PUNCT
easat-9950	427	17	"	"	PUNCT
easat-9950	427	18	korean	korean	ADJ
easat-9950	427	19	journal	journal	NOUN
easat-9950	427	20	of	of	ADP
easat-9950	427	21	artificial	artificial	ADJ
easat-9950	427	22	intelligence	intelligence	NOUN
easat-9950	427	23	,	,	PUNCT
easat-9950	427	24	vol	vol	NOUN
easat-9950	427	25	.	.	PROPN
easat-9950	427	26	7	7	NUM
easat-9950	427	27	,	,	PUNCT
easat-9950	427	28	no	no	INTJ
easat-9950	427	29	.	.	NOUN
easat-9950	427	30	1	1	NUM
easat-9950	427	31	,	,	PUNCT
easat-9950	427	32	p.	p.	NOUN
easat-9950	427	33	17‑22	17‑22	NUM
easat-9950	427	34	,	,	PUNCT
easat-9950	427	35	2019	2019	NUM
easat-9950	427	36	.	.	PUNCT
easat-9950	428	1	https://doi.org/10.24225/kjai.2019.7.1.17	https://doi.org/10.24225/kjai.2019.7.1.17	ADJ
easat-9950	428	2	[	[	X
easat-9950	428	3	20	20	NUM
easat-9950	428	4	]	]	X
easat-9950	428	5	g.	g.	PROPN
easat-9950	428	6	nikolaos	nikolaos	PROPN
easat-9950	428	7	,	,	PUNCT
easat-9950	428	8	p.	p.	NOUN
easat-9950	428	9	panagiotis	panagiotis	NOUN
easat-9950	428	10	,	,	PUNCT
easat-9950	428	11	p.	p.	NOUN
easat-9950	428	12	michail	michail	NOUN
easat-9950	428	13	,	,	PUNCT
easat-9950	428	14	and	and	CCONJ
easat-9950	428	15	e.	e.	PROPN
easat-9950	428	16	foteini	foteini	PROPN
easat-9950	428	17	,	,	PUNCT
easat-9950	428	18	"	"	PUNCT
easat-9950	428	19	evaluation	evaluation	NOUN
easat-9950	428	20	of	of	ADP
easat-9950	428	21	the	the	DET
easat-9950	428	22	labour	labour	NOUN
easat-9950	428	23	productivity	productivity	NOUN
easat-9950	428	24	during	during	ADP
easat-9950	428	25	the	the	DET
easat-9950	428	26	economic	economic	ADJ
easat-9950	428	27	crisis	crisis	NOUN
easat-9950	428	28	in	in	ADP
easat-9950	428	29	greece	greece	PROPN
easat-9950	428	30	:	:	PUNCT
easat-9950	428	31	a	a	DET
easat-9950	428	32	financial	financial	ADJ
easat-9950	428	33	accounting	accounting	NOUN
easat-9950	428	34	approach	approach	NOUN
easat-9950	428	35	at	at	ADP
easat-9950	428	36	industrial	industrial	ADJ
easat-9950	428	37	listed	list	VERB
easat-9950	428	38	firms	firm	NOUN
easat-9950	428	39	,	,	PUNCT
easat-9950	428	40	"	"	PUNCT
easat-9950	428	41	2016	2016	NUM
easat-9950	428	42	.	.	PUNCT
easat-9950	429	1	[	[	X
easat-9950	429	2	21	21	NUM
easat-9950	429	3	]	]	X
easat-9950	429	4	f.	f.	PROPN
easat-9950	429	5	shahidi	shahidi	PROPN
easat-9950	429	6	,	,	PUNCT
easat-9950	429	7	n.	n.	PROPN
easat-9950	429	8	bozorgkhou	bozorgkhou	PROPN
easat-9950	429	9	,	,	PUNCT
easat-9950	429	10	and	and	CCONJ
easat-9950	429	11	n.	n.	PROPN
easat-9950	429	12	moradhasel	moradhasel	PROPN
easat-9950	429	13	,	,	PUNCT
easat-9950	429	14	"	"	PUNCT
easat-9950	429	15	challenges	challenge	NOUN
easat-9950	429	16	of	of	ADP
easat-9950	429	17	artificial	artificial	ADJ
easat-9950	429	18	intelligence	intelligence	NOUN
easat-9950	429	19	technology	technology	NOUN
easat-9950	429	20	and	and	CCONJ
easat-9950	429	21	its	its	PRON
easat-9950	429	22	impact	impact	NOUN
easat-9950	429	23	on	on	ADP
easat-9950	429	24	digital	digital	ADJ
easat-9950	429	25	economy	economy	NOUN
easat-9950	429	26	growth	growth	NOUN
easat-9950	429	27	,	,	PUNCT
easat-9950	429	28	"	"	PUNCT
easat-9950	429	29	presented	present	VERB
easat-9950	429	30	at	at	ADP
easat-9950	429	31	the	the	DET
easat-9950	429	32	2024	2024	NUM
easat-9950	429	33	11th	11th	ADJ
easat-9950	429	34	international	international	ADJ
easat-9950	429	35	symposium	symposium	NOUN
easat-9950	429	36	on	on	ADP
easat-9950	429	37	telecommunications	telecommunications	NOUN
easat-9950	429	38	(	(	PUNCT
easat-9950	429	39	ist	ist	NOUN
easat-9950	429	40	)	)	PUNCT
easat-9950	429	41	,	,	PUNCT
easat-9950	429	42	2024	2024	NUM
easat-9950	429	43	.	.	PUNCT
easat-9950	430	1	[	[	X
easat-9950	430	2	22	22	NUM
easat-9950	430	3	]	]	X
easat-9950	430	4	w.	w.	PROPN
easat-9950	430	5	shi	shi	PROPN
easat-9950	430	6	,	,	PUNCT
easat-9950	430	7	"	"	PUNCT
easat-9950	430	8	artificial	artificial	ADJ
easat-9950	430	9	intelligence	intelligence	NOUN
easat-9950	430	10	and	and	CCONJ
easat-9950	430	11	economic	economic	ADJ
easat-9950	430	12	dynamics	dynamic	NOUN
easat-9950	430	13	:	:	PUNCT
easat-9950	430	14	shaping	shape	VERB
easat-9950	430	15	the	the	DET
easat-9950	430	16	future	future	NOUN
easat-9950	430	17	of	of	ADP
easat-9950	430	18	industries	industry	NOUN
easat-9950	430	19	and	and	CCONJ
easat-9950	430	20	markets	market	NOUN
easat-9950	430	21	,	,	PUNCT
easat-9950	430	22	"	"	PUNCT
easat-9950	430	23	communications	communication	NOUN
easat-9950	430	24	of	of	ADP
easat-9950	430	25	international	international	ADJ
easat-9950	430	26	proceedings	proceeding	NOUN
easat-9950	430	27	,	,	PUNCT
easat-9950	430	28	2024	2024	NUM
easat-9950	430	29	,	,	PUNCT
easat-9950	430	30	doi	doi	NOUN
easat-9950	430	31	:	:	PUNCT
easat-9950	430	32	https://doi.org/10.5171/2024.4326724	https://doi.org/10.5171/2024.4326724	NOUN
easat-9950	430	33	.	.	PUNCT
easat-9950	431	1	[	[	X
easat-9950	431	2	23	23	NUM
easat-9950	431	3	]	]	PUNCT
easat-9950	431	4	g.	g.	PROPN
easat-9950	431	5	kumar	kumar	PROPN
easat-9950	431	6	,	,	PUNCT
easat-9950	431	7	r.	r.	PROPN
easat-9950	431	8	k.	k.	PROPN
easat-9950	431	9	singh	singh	PROPN
easat-9950	431	10	,	,	PUNCT
easat-9950	431	11	v.	v.	ADP
easat-9950	431	12	arya	arya	NOUN
easat-9950	431	13	,	,	PUNCT
easat-9950	431	14	and	and	CCONJ
easat-9950	431	15	s.	s.	PROPN
easat-9950	431	16	k.	k.	PROPN
easat-9950	431	17	mishra	mishra	PROPN
easat-9950	431	18	,	,	PUNCT
easat-9950	431	19	"	"	PUNCT
easat-9950	431	20	analyzing	analyze	VERB
easat-9950	431	21	barriers	barrier	NOUN
easat-9950	431	22	in	in	ADP
easat-9950	431	23	adoption	adoption	NOUN
easat-9950	431	24	of	of	ADP
easat-9950	431	25	artificial	artificial	ADJ
easat-9950	431	26	intelligence	intelligence	NOUN
easat-9950	431	27	for	for	ADP
easat-9950	431	28	resilient	resilient	ADJ
easat-9950	431	29	health	health	NOUN
easat-9950	431	30	care	care	NOUN
easat-9950	431	31	services	service	NOUN
easat-9950	431	32	to	to	ADP
easat-9950	431	33	society	society	NOUN
easat-9950	431	34	,	,	PUNCT
easat-9950	431	35	"	"	PUNCT
easat-9950	431	36	global	global	ADJ
easat-9950	431	37	journal	journal	NOUN
easat-9950	431	38	of	of	ADP
easat-9950	431	39	flexible	flexible	ADJ
easat-9950	431	40	systems	system	NOUN
easat-9950	431	41	management	management	NOUN
easat-9950	431	42	,	,	PUNCT
easat-9950	431	43	vol	vol	NOUN
easat-9950	431	44	.	.	PROPN
easat-9950	431	45	25	25	NUM
easat-9950	431	46	,	,	PUNCT
easat-9950	431	47	no	no	INTJ
easat-9950	431	48	.	.	NOUN
easat-9950	431	49	1	1	NUM
easat-9950	431	50	,	,	PUNCT
easat-9950	431	51	pp	pp	ADJ
easat-9950	431	52	.	.	PUNCT
easat-9950	432	1	179	179	NUM
easat-9950	432	2	-	-	SYM
easat-9950	432	3	197	197	NUM
easat-9950	432	4	,	,	PUNCT
easat-9950	432	5	2024	2024	NUM
easat-9950	432	6	.	.	PUNCT
easat-9950	433	1	[	[	X
easat-9950	433	2	24	24	NUM
easat-9950	433	3	]	]	PUNCT
easat-9950	433	4	m.	m.	NOUN
easat-9950	433	5	a.	a.	NOUN
easat-9950	433	6	trabelsi	trabelsi	PROPN
easat-9950	433	7	,	,	PUNCT
easat-9950	433	8	"	"	PUNCT
easat-9950	433	9	the	the	DET
easat-9950	433	10	impact	impact	NOUN
easat-9950	433	11	of	of	ADP
easat-9950	433	12	artificial	artificial	ADJ
easat-9950	433	13	intelligence	intelligence	NOUN
easat-9950	433	14	on	on	ADP
easat-9950	433	15	economic	economic	ADJ
easat-9950	433	16	development	development	NOUN
easat-9950	433	17	,	,	PUNCT
easat-9950	433	18	"	"	PUNCT
easat-9950	433	19	journal	journal	NOUN
easat-9950	433	20	of	of	ADP
easat-9950	433	21	electronic	electronic	ADJ
easat-9950	433	22	business	business	NOUN
easat-9950	433	23	&	&	CCONJ
easat-9950	433	24	digital	digital	ADJ
easat-9950	433	25	economics	economic	NOUN
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easat-9950	434	5	2	2	NUM
easat-9950	434	6	,	,	PUNCT
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easat-9950	434	8	.	.	PUNCT
easat-9950	435	1	142	142	NUM
easat-9950	435	2	-	-	SYM
easat-9950	435	3	155	155	NUM
easat-9950	435	4	,	,	PUNCT
easat-9950	435	5	2024	2024	NUM
easat-9950	435	6	.	.	PUNCT
easat-9950	436	1	https://doi.org/10.1108/jebde-10-2023-0022	https://doi.org/10.1108/jebde-10-2023-0022	NOUN
easat-9950	437	1	[	[	X
easat-9950	437	2	25	25	NUM
easat-9950	437	3	]	]	PUNCT
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easat-9950	437	6	-	-	PUNCT
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easat-9950	437	8	,	,	PUNCT
easat-9950	437	9	"	"	PUNCT
easat-9950	437	10	the	the	DET
easat-9950	437	11	impact	impact	NOUN
easat-9950	437	12	of	of	ADP
easat-9950	437	13	artificial	artificial	ADJ
easat-9950	437	14	intelligence	intelligence	NOUN
easat-9950	437	15	on	on	ADP
easat-9950	437	16	accounting	accounting	NOUN
easat-9950	437	17	and	and	CCONJ
easat-9950	437	18	finance	finance	NOUN
easat-9950	437	19	in	in	ADP
easat-9950	437	20	the	the	DET
easat-9950	437	21	digital	digital	ADJ
easat-9950	437	22	economy	economy	NOUN
easat-9950	437	23	,	,	PUNCT
easat-9950	437	24	"	"	PUNCT
easat-9950	437	25	economics	economic	NOUN
easat-9950	437	26	,	,	PUNCT
easat-9950	437	27	2024	2024	NUM
easat-9950	437	28	.	.	PUNCT
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easat-9950	438	2	26	26	NUM
easat-9950	438	3	]	]	X
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easat-9950	438	7	"	"	PUNCT
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easat-9950	438	12	the	the	DET
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easat-9950	438	29	vol	vol	NOUN
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easat-9950	438	36	,	,	PUNCT
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easat-9950	438	38	.	.	PUNCT
easat-9950	439	1	418	418	NUM
easat-9950	439	2	-	-	SYM
easat-9950	439	3	428	428	NUM
easat-9950	439	4	,	,	PUNCT
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easat-9950	439	6	.	.	PUNCT
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easat-9950	441	2	27	27	NUM
easat-9950	441	3	]	]	X
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easat-9950	441	42	and	and	CCONJ
easat-9950	441	43	information	information	NOUN
easat-9950	441	44	technology	technology	NOUN
easat-9950	441	45	,	,	PUNCT
easat-9950	441	46	2024	2024	NUM
easat-9950	441	47	.	.	PUNCT
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easat-9950	442	23	:	:	PUNCT
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easat-9950	443	2	-	-	SYM
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easat-9950	443	4	,	,	PUNCT
easat-9950	443	5	2021	2021	NUM
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easat-9950	444	1	https://doi.org/10.47743/saeb-2021-0027	https://doi.org/10.47743/saeb-2021-0027	PROPN
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easat-9950	444	6	https://doi.org/10.3726/b21202	https://doi.org/10.3726/b21202	PROPN
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easat-9950	447	8	-	-	SYM
easat-9950	447	9	714	714	NUM
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easat-9950	449	27	and	and	CCONJ
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easat-9950	452	3	no	no	INTJ
easat-9950	452	4	.	.	NOUN
easat-9950	452	5	1	1	NUM
easat-9950	452	6	,	,	PUNCT
easat-9950	452	7	pp	pp	ADJ
easat-9950	452	8	.	.	PUNCT
easat-9950	453	1	31	31	NUM
easat-9950	453	2	-	-	SYM
easat-9950	453	3	45	45	NUM
easat-9950	453	4	,	,	PUNCT
easat-9950	453	5	2018	2018	NUM
easat-9950	453	6	.	.	PUNCT
easat-9950	454	1	https://doi.org/10.24818/jamis.2018.01002	https://doi.org/10.24818/jamis.2018.01002	PROPN
easat-9950	454	2	[	[	X
easat-9950	454	3	33	33	NUM
easat-9950	454	4	]	]	PUNCT
easat-9950	454	5	m.	m.	NOUN
easat-9950	454	6	pazarskis	pazarskis	PROPN
easat-9950	454	7	,	,	PUNCT
easat-9950	454	8	m.	m.	NOUN
easat-9950	454	9	vogiatzoglou	vogiatzoglou	PROPN
easat-9950	454	10	,	,	PUNCT
easat-9950	454	11	a.	a.	PROPN
easat-9950	454	12	koutoupis	koutoupis	PROPN
easat-9950	454	13	,	,	PUNCT
easat-9950	454	14	and	and	CCONJ
easat-9950	454	15	g.	g.	PROPN
easat-9950	454	16	drogalas	drogala	NOUN
easat-9950	454	17	,	,	PUNCT
easat-9950	454	18	"	"	PUNCT
easat-9950	454	19	corporate	corporate	ADJ
easat-9950	454	20	mergers	merger	NOUN
easat-9950	454	21	and	and	CCONJ
easat-9950	454	22	accounting	accounting	NOUN
easat-9950	454	23	performance	performance	NOUN
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easat-9950	454	25	a	a	DET
easat-9950	454	26	period	period	NOUN
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easat-9950	454	28	economic	economic	ADJ
easat-9950	454	29	crisis	crisis	NOUN
easat-9950	454	30	:	:	PUNCT
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easat-9950	454	33	greece	greece	PROPN
easat-9950	454	34	,	,	PUNCT
easat-9950	454	35	"	"	PUNCT
easat-9950	454	36	journal	journal	NOUN
easat-9950	454	37	of	of	ADP
easat-9950	454	38	business	business	NOUN
easat-9950	454	39	economics	economic	NOUN
easat-9950	454	40	and	and	CCONJ
easat-9950	454	41	management	management	NOUN
easat-9950	454	42	,	,	PUNCT
easat-9950	454	43	vol	vol	NOUN
easat-9950	454	44	.	.	PROPN
easat-9950	454	45	22	22	NUM
easat-9950	454	46	,	,	PUNCT
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easat-9950	454	48	.	.	NOUN
easat-9950	454	49	3	3	NUM
easat-9950	454	50	,	,	PUNCT
easat-9950	454	51	pp	pp	ADJ
easat-9950	454	52	.	.	PUNCT
easat-9950	455	1	577	577	NUM
easat-9950	455	2	-	-	SYM
easat-9950	455	3	595	595	NUM
easat-9950	455	4	,	,	PUNCT
easat-9950	455	5	2021	2021	NUM
easat-9950	455	6	.	.	PUNCT
easat-9950	456	1	https://doi.org/10.3846/jbem.2021.13911	https://doi.org/10.3846/jbem.2021.13911	PROPN
easat-9950	456	2	[	[	X
easat-9950	456	3	34	34	NUM
easat-9950	456	4	]	]	X
easat-9950	456	5	c.	c.	PROPN
easat-9950	456	6	robinson	robinson	PROPN
easat-9950	456	7	and	and	CCONJ
easat-9950	456	8	g.	g.	PROPN
easat-9950	456	9	venieris	venieris	PROPN
easat-9950	456	10	,	,	PUNCT
easat-9950	456	11	"	"	PUNCT
easat-9950	456	12	economics	economic	NOUN
easat-9950	456	13	,	,	PUNCT
easat-9950	456	14	culture	culture	NOUN
easat-9950	456	15	,	,	PUNCT
easat-9950	456	16	and	and	CCONJ
easat-9950	456	17	accounting	accounting	NOUN
easat-9950	456	18	standards	standard	NOUN
easat-9950	456	19	:	:	PUNCT
easat-9950	456	20	a	a	DET
easat-9950	456	21	case	case	NOUN
easat-9950	456	22	study	study	NOUN
easat-9950	456	23	of	of	ADP
easat-9950	456	24	greece	greece	PROPN
easat-9950	456	25	and	and	CCONJ
easat-9950	456	26	canada	canada	PROPN
easat-9950	456	27	,	,	PUNCT
easat-9950	456	28	"	"	PUNCT
easat-9950	456	29	canadian	canadian	ADJ
easat-9950	456	30	journal	journal	NOUN
easat-9950	456	31	of	of	ADP
easat-9950	456	32	administrative	administrative	ADJ
easat-9950	456	33	sciences	sciences	PROPN
easat-9950	456	34	/	/	SYM
easat-9950	456	35	revue	revue	PROPN
easat-9950	456	36	canadienne	canadienne	PROPN
easat-9950	456	37	des	des	PROPN
easat-9950	456	38	sciences	sciences	PROPN
easat-9950	456	39	de	de	X
easat-9950	456	40	l'administration	l'administration	PROPN
easat-9950	456	41	,	,	PUNCT
easat-9950	456	42	vol	vol	NOUN
easat-9950	456	43	.	.	PROPN
easat-9950	456	44	13	13	NUM
easat-9950	456	45	,	,	PUNCT
easat-9950	456	46	no	no	INTJ
easat-9950	456	47	.	.	NOUN
easat-9950	456	48	2	2	NUM
easat-9950	456	49	,	,	PUNCT
easat-9950	456	50	pp	pp	ADJ
easat-9950	456	51	.	.	PUNCT
easat-9950	457	1	119	119	NUM
easat-9950	457	2	-	-	SYM
easat-9950	457	3	131	131	NUM
easat-9950	457	4	,	,	PUNCT
easat-9950	457	5	1996	1996	NUM
easat-9950	457	6	.	.	PUNCT
easat-9950	458	1	https://doi.org/10.1111/j.1936-4490.1996.tb00109.x	https://doi.org/10.1111/j.1936-4490.1996.tb00109.x	X
easat-9950	459	1	[	[	X
easat-9950	459	2	35	35	NUM
easat-9950	459	3	]	]	X
easat-9950	459	4	i.	i.	PROPN
easat-9950	459	5	santouridis	santouridis	PROPN
easat-9950	459	6	,	,	PUNCT
easat-9950	459	7	e.	e.	PROPN
easat-9950	459	8	tsifora	tsifora	PROPN
easat-9950	459	9	,	,	PUNCT
easat-9950	459	10	p.	p.	NOUN
easat-9950	459	11	trivellas	trivella	NOUN
easat-9950	459	12	,	,	PUNCT
easat-9950	459	13	and	and	CCONJ
easat-9950	459	14	s.	s.	PROPN
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easat-9950	459	16	,	,	PUNCT
easat-9950	459	17	"	"	PUNCT
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easat-9950	459	20	accounting	accounting	PROPN
easat-9950	459	21	&	&	CCONJ
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easat-9950	459	24	in	in	ADP
easat-9950	459	25	an	an	DET
easat-9950	459	26	economic	economic	ADJ
easat-9950	459	27	crisis	crisis	NOUN
easat-9950	459	28	environment	environment	NOUN
easat-9950	459	29	,	,	PUNCT
easat-9950	459	30	"	"	PUNCT
easat-9950	459	31	procedia	procedia	NOUN
easat-9950	459	32	-	-	PUNCT
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easat-9950	459	34	and	and	CCONJ
easat-9950	459	35	behavioral	behavioral	ADJ
easat-9950	459	36	sciences	science	NOUN
easat-9950	459	37	,	,	PUNCT
easat-9950	459	38	vol	vol	NOUN
easat-9950	459	39	.	.	NOUN
easat-9950	459	40	148	148	NUM
easat-9950	459	41	,	,	PUNCT
easat-9950	459	42	pp	pp	ADJ
easat-9950	459	43	.	.	PUNCT
easat-9950	459	44	428	428	NUM
easat-9950	459	45	-	-	SYM
easat-9950	459	46	436	436	NUM
easat-9950	459	47	,	,	PUNCT
easat-9950	459	48	2014	2014	NUM
easat-9950	459	49	.	.	PUNCT
easat-9950	460	1	https://doi.org/10.1016/j.sbspro.2014.07.062	https://doi.org/10.1016/j.sbspro.2014.07.062	NUM
easat-9950	461	1	[	[	X
easat-9950	461	2	36	36	NUM
easat-9950	461	3	]	]	X
easat-9950	461	4	w.	w.	PROPN
easat-9950	461	5	k.	k.	PROPN
easat-9950	461	6	solos	solos	PROPN
easat-9950	461	7	and	and	CCONJ
easat-9950	461	8	j.	j.	PROPN
easat-9950	461	9	leonard	leonard	PROPN
easat-9950	461	10	,	,	PUNCT
easat-9950	461	11	"	"	PUNCT
easat-9950	461	12	on	on	ADP
easat-9950	461	13	the	the	DET
easat-9950	461	14	impact	impact	NOUN
easat-9950	461	15	of	of	ADP
easat-9950	461	16	artificial	artificial	ADJ
easat-9950	461	17	intelligence	intelligence	NOUN
easat-9950	461	18	on	on	ADP
easat-9950	461	19	economy	economy	NOUN
easat-9950	461	20	,	,	PUNCT
easat-9950	461	21	"	"	PUNCT
easat-9950	461	22	science	science	NOUN
easat-9950	461	23	insights	insight	NOUN
easat-9950	461	24	,	,	PUNCT
easat-9950	461	25	vol	vol	NOUN
easat-9950	461	26	.	.	PROPN
easat-9950	461	27	41	41	NUM
easat-9950	461	28	,	,	PUNCT
easat-9950	461	29	no	no	INTJ
easat-9950	461	30	.	.	NOUN
easat-9950	461	31	1	1	NUM
easat-9950	461	32	,	,	PUNCT
easat-9950	461	33	pp	pp	ADJ
easat-9950	461	34	.	.	PUNCT
easat-9950	462	1	551	551	NUM
easat-9950	462	2	-	-	SYM
easat-9950	462	3	560	560	NUM
easat-9950	462	4	,	,	PUNCT
easat-9950	462	5	2022	2022	NUM
easat-9950	462	6	.	.	PUNCT
easat-9950	463	1	https://doi.org/10.15354/si.22.re066	https://doi.org/10.15354/si.22.re066	PRON
easat-9950	464	1	[	[	X
easat-9950	464	2	37	37	NUM
easat-9950	464	3	]	]	PUNCT
easat-9950	464	4	c.	c.	PROPN
easat-9950	464	5	yuan	yuan	PROPN
easat-9950	464	6	,	,	PUNCT
easat-9950	464	7	j.	j.	PROPN
easat-9950	464	8	tang	tang	PROPN
easat-9950	464	9	,	,	PUNCT
easat-9950	464	10	y.	y.	PROPN
easat-9950	464	11	cao	cao	PROPN
easat-9950	464	12	,	,	PUNCT
easat-9950	464	13	t.	t.	PROPN
easat-9950	464	14	wei	wei	PROPN
easat-9950	464	15	,	,	PUNCT
easat-9950	464	16	and	and	CCONJ
easat-9950	464	17	w.	w.	PROPN
easat-9950	464	18	shen	shen	PROPN
easat-9950	464	19	,	,	PUNCT
easat-9950	464	20	"	"	PUNCT
easat-9950	464	21	the	the	DET
easat-9950	464	22	impact	impact	NOUN
easat-9950	464	23	of	of	ADP
easat-9950	464	24	artificial	artificial	ADJ
easat-9950	464	25	intelligence	intelligence	NOUN
easat-9950	464	26	on	on	ADP
easat-9950	464	27	economic	economic	ADJ
easat-9950	464	28	development	development	NOUN
easat-9950	464	29	:	:	PUNCT
easat-9950	464	30	a	a	DET
easat-9950	464	31	systematic	systematic	ADJ
easat-9950	464	32	review	review	NOUN
easat-9950	464	33	,	,	PUNCT
easat-9950	464	34	"	"	PUNCT
easat-9950	464	35	international	international	ADJ
easat-9950	464	36	theory	theory	NOUN
easat-9950	464	37	and	and	CCONJ
easat-9950	464	38	practice	practice	NOUN
easat-9950	464	39	in	in	ADP
easat-9950	464	40	humanities	humanity	NOUN
easat-9950	464	41	and	and	CCONJ
easat-9950	464	42	social	social	ADJ
easat-9950	464	43	sciences	science	NOUN
easat-9950	464	44	,	,	PUNCT
easat-9950	464	45	vol	vol	NOUN
easat-9950	464	46	.	.	PROPN
easat-9950	464	47	1	1	NUM
easat-9950	464	48	,	,	PUNCT
easat-9950	464	49	no	no	INTJ
easat-9950	464	50	.	.	NOUN
easat-9950	464	51	1	1	NUM
easat-9950	464	52	,	,	PUNCT
easat-9950	464	53	pp	pp	ADJ
easat-9950	464	54	.	.	PUNCT
easat-9950	465	1	130	130	NUM
easat-9950	465	2	-	-	SYM
easat-9950	465	3	143	143	NUM
easat-9950	465	4	,	,	PUNCT
easat-9950	465	5	2024	2024	NUM
easat-9950	465	6	.	.	PUNCT
easat-9950	466	1	https://doi.org/10.70693/itphss.v1i1.57	https://doi.org/10.70693/itphss.v1i1.57	PROPN
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easat-9950	467	1	https://doi.org/10.1111/j.1936-4490.1996.tb00109.x	https://doi.org/10.1111/j.1936-4490.1996.tb00109.x	PRON
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