id	sid	tid	token	lemma	pos
esutjss-162	1	1	volume	volume	NOUN
esutjss-162	1	2	8	8	NUM
esutjss-162	1	3	number	number	NOUN
esutjss-162	1	4	1	1	NUM
esutjss-162	1	5	,	,	PUNCT
esutjss-162	1	6	2023	2023	NUM
esutjss-162	1	7	volume	volume	NOUN
esutjss-162	1	8	8	8	NUM
esutjss-162	1	9	number	number	NOUN
esutjss-162	1	10	1	1	NUM
esutjss-162	1	11	,	,	PUNCT
esutjss-162	1	12	2023	2023	NUM
esutjss-162	1	13	faculty	faculty	NOUN
esutjss-162	1	14	of	of	ADP
esutjss-162	1	15	social	social	ADJ
esutjss-162	1	16	sciences	science	NOUN
esutjss-162	1	17	,	,	PUNCT
esutjss-162	1	18	enugu	enugu	PROPN
esutjss-162	1	19	state	state	PROPN
esutjss-162	1	20	university	university	PROPN
esutjss-162	1	21	of	of	ADP
esutjss-162	1	22	science	science	NOUN
esutjss-162	1	23	and	and	CCONJ
esutjss-162	1	24	technology	technology	NOUN
esutjss-162	1	25	editor	editor	NOUN
esutjss-162	1	26	-	-	PUNCT
esutjss-162	1	27	in	in	ADP
esutjss-162	1	28	-	-	PUNCT
esutjss-162	1	29	chief	chief	NOUN
esutjss-162	1	30	prof	prof	NOUN
esutjss-162	1	31	.	.	PUNCT
esutjss-162	2	1	oby	oby	PROPN
esutjss-162	2	2	omeje	omeje	PROPN
esutjss-162	2	3	managing	managing	PROPN
esutjss-162	2	4	editor	editor	NOUN
esutjss-162	2	5	prof	prof	PROPN
esutjss-162	2	6	.	.	PUNCT
esutjss-162	3	1	barnabas	barnabas	PROPN
esutjss-162	3	2	nwankwo	nwankwo	PROPN
esutjss-162	3	3	published	publish	VERB
esutjss-162	3	4	by	by	ADP
esutjss-162	3	5	enugu	enugu	PROPN
esutjss-162	3	6	state	state	PROPN
esutjss-162	3	7	university	university	PROPN
esutjss-162	3	8	of	of	ADP
esutjss-162	3	9	science	science	PROPN
esutjss-162	3	10	&	&	CCONJ
esutjss-162	3	11	technology	technology	PROPN
esutjss-162	3	12	journal	journal	NOUN
esutjss-162	3	13	of	of	ADP
esutjss-162	3	14	social	social	PROPN
esutjss-162	3	15	sciences	sciences	PROPN
esutjss-162	3	16	&	&	CCONJ
esutjss-162	3	17	humanities	humanity	NOUN
esutjss-162	3	18	85	85	NUM
esutjss-162	3	19	cloud	cloud	NOUN
esutjss-162	3	20	-	-	PUNCT
esutjss-162	3	21	based	base	VERB
esutjss-162	3	22	collaborative	collaborative	ADJ
esutjss-162	3	23	suite	suite	NOUN
esutjss-162	3	24	and	and	CCONJ
esutjss-162	3	25	employee	employee	NOUN
esutjss-162	3	26	enablement	enablement	NOUN
esutjss-162	3	27	as	as	ADP
esutjss-162	3	28	digital	digital	ADJ
esutjss-162	3	29	transformation	transformation	NOUN
esutjss-162	3	30	strategies	strategy	NOUN
esutjss-162	3	31	for	for	ADP
esutjss-162	3	32	achieving	achieve	VERB
esutjss-162	3	33	organizational	organizational	ADJ
esutjss-162	3	34	sustainability	sustainability	NOUN
esutjss-162	3	35	among	among	ADP
esutjss-162	3	36	insurance	insurance	NOUN
esutjss-162	3	37	companies	company	NOUN
esutjss-162	3	38	in	in	ADP
esutjss-162	3	39	nigeria	nigeria	PROPN
esutjss-162	3	40	aina	aina	PROPN
esutjss-162	3	41	,	,	PUNCT
esutjss-162	3	42	john	john	PROPN
esutjss-162	3	43	ganiyu	ganiyu	PROPN
esutjss-162	3	44	,	,	PUNCT
esutjss-162	3	45	kamal	kamal	PROPN
esutjss-162	3	46	oloriegbe	oloriegbe	PROPN
esutjss-162	3	47	,	,	PUNCT
esutjss-162	3	48	kale	kale	PROPN
esutjss-162	3	49	s.	s.	PROPN
esutjss-162	3	50	department	department	PROPN
esutjss-162	3	51	of	of	ADP
esutjss-162	3	52	insurance	insurance	NOUN
esutjss-162	3	53	school	school	NOUN
esutjss-162	3	54	of	of	ADP
esutjss-162	3	55	business	business	NOUN
esutjss-162	3	56	and	and	CCONJ
esutjss-162	3	57	management	management	NOUN
esutjss-162	3	58	studies	study	NOUN
esutjss-162	3	59	the	the	DET
esutjss-162	3	60	federal	federal	ADJ
esutjss-162	3	61	polytechnic	polytechnic	ADJ
esutjss-162	3	62	,	,	PUNCT
esutjss-162	3	63	offa	offa	NOUN
esutjss-162	3	64	*	*	PUNCT
esutjss-162	3	65	correspondence	correspondence	NOUN
esutjss-162	3	66	:	:	PUNCT
esutjss-162	3	67	olujohn1992@gmail.com	olujohn1992@gmail.com	NUM
esutjss-162	3	68	;	;	PUNCT
esutjss-162	3	69	john.aina@fedpoffaonline.edu.ng	john.aina@fedpoffaonline.edu.ng	X
esutjss-162	3	70	abstract	abstract	ADJ
esutjss-162	3	71	cloud	cloud	PROPN
esutjss-162	3	72	based	base	VERB
esutjss-162	3	73	collaborative	collaborative	ADJ
esutjss-162	3	74	suite	suite	NOUN
esutjss-162	3	75	and	and	CCONJ
esutjss-162	3	76	employee	employee	NOUN
esutjss-162	3	77	enablement	enablement	NOUN
esutjss-162	3	78	as	as	ADP
esutjss-162	3	79	digital	digital	ADJ
esutjss-162	3	80	transformation	transformation	NOUN
esutjss-162	3	81	strategies	strategy	NOUN
esutjss-162	3	82	for	for	ADP
esutjss-162	3	83	achieving	achieve	VERB
esutjss-162	3	84	organizational	organizational	ADJ
esutjss-162	3	85	sustainability	sustainability	NOUN
esutjss-162	3	86	among	among	ADP
esutjss-162	3	87	insurance	insurance	NOUN
esutjss-162	3	88	companies	company	NOUN
esutjss-162	3	89	in	in	ADP
esutjss-162	3	90	nigeria	nigeria	PROPN
esutjss-162	3	91	.	.	PUNCT
esutjss-162	4	1	a	a	DET
esutjss-162	4	2	descriptive	descriptive	ADJ
esutjss-162	4	3	research	research	NOUN
esutjss-162	4	4	technique	technique	NOUN
esutjss-162	4	5	was	be	AUX
esutjss-162	4	6	used	use	VERB
esutjss-162	4	7	in	in	ADP
esutjss-162	4	8	the	the	DET
esutjss-162	4	9	study	study	NOUN
esutjss-162	4	10	.	.	PUNCT
esutjss-162	5	1	this	this	DET
esutjss-162	5	2	study	study	NOUN
esutjss-162	5	3	population	population	NOUN
esutjss-162	5	4	consists	consist	VERB
esutjss-162	5	5	of	of	ADP
esutjss-162	5	6	all	all	DET
esutjss-162	5	7	insurance	insurance	NOUN
esutjss-162	5	8	companies	company	NOUN
esutjss-162	5	9	observed	observe	VERB
esutjss-162	5	10	to	to	PART
esutjss-162	5	11	be	be	AUX
esutjss-162	5	12	the	the	DET
esutjss-162	5	13	healthy	healthy	ADJ
esutjss-162	5	14	ones	one	NOUN
esutjss-162	5	15	amongst	amongst	ADP
esutjss-162	5	16	the	the	DET
esutjss-162	5	17	existing	exist	VERB
esutjss-162	5	18	companies	company	NOUN
esutjss-162	5	19	from	from	ADP
esutjss-162	5	20	fifty	fifty	NUM
esutjss-162	5	21	eight	eight	NUM
esutjss-162	5	22	(	(	PUNCT
esutjss-162	5	23	58	58	NUM
esutjss-162	5	24	)	)	PUNCT
esutjss-162	5	25	insurance	insurance	NOUN
esutjss-162	5	26	companies	company	NOUN
esutjss-162	5	27	duly	duly	ADV
esutjss-162	5	28	registered	register	VERB
esutjss-162	5	29	in	in	ADP
esutjss-162	5	30	nigeria	nigeria	PROPN
esutjss-162	5	31	.	.	PUNCT
esutjss-162	6	1	a	a	DET
esutjss-162	6	2	purposive	purposive	ADJ
esutjss-162	6	3	sampling	sampling	NOUN
esutjss-162	6	4	method	method	NOUN
esutjss-162	6	5	was	be	AUX
esutjss-162	6	6	considered	consider	VERB
esutjss-162	6	7	appropriate	appropriate	ADJ
esutjss-162	6	8	for	for	ADP
esutjss-162	6	9	the	the	DET
esutjss-162	6	10	study	study	NOUN
esutjss-162	6	11	as	as	SCONJ
esutjss-162	6	12	the	the	DET
esutjss-162	6	13	sample	sample	NOUN
esutjss-162	6	14	size	size	NOUN
esutjss-162	6	15	consists	consist	VERB
esutjss-162	6	16	of	of	ADP
esutjss-162	6	17	200	200	NUM
esutjss-162	6	18	employees	employee	NOUN
esutjss-162	6	19	(	(	PUNCT
esutjss-162	6	20	two	two	NUM
esutjss-162	6	21	hundred	hundred	NUM
esutjss-162	6	22	)	)	PUNCT
esutjss-162	6	23	working	work	VERB
esutjss-162	6	24	at	at	ADP
esutjss-162	6	25	the	the	DET
esutjss-162	6	26	ict	ict	PROPN
esutjss-162	6	27	and	and	CCONJ
esutjss-162	6	28	cyber	cyber	NOUN
esutjss-162	6	29	security	security	NOUN
esutjss-162	6	30	unit	unit	NOUN
esutjss-162	6	31	of	of	ADP
esutjss-162	6	32	all	all	DET
esutjss-162	6	33	the	the	DET
esutjss-162	6	34	insurance	insurance	NOUN
esutjss-162	6	35	offices	office	NOUN
esutjss-162	6	36	fully	fully	ADV
esutjss-162	6	37	digitalized	digitalize	VERB
esutjss-162	6	38	in	in	ADP
esutjss-162	6	39	nigeria	nigeria	PROPN
esutjss-162	6	40	.	.	PUNCT
esutjss-162	7	1	the	the	DET
esutjss-162	7	2	findings	finding	NOUN
esutjss-162	7	3	of	of	ADP
esutjss-162	7	4	the	the	DET
esutjss-162	7	5	study	study	NOUN
esutjss-162	7	6	from	from	ADP
esutjss-162	7	7	regression	regression	NOUN
esutjss-162	7	8	analysis	analysis	NOUN
esutjss-162	7	9	revealed	reveal	VERB
esutjss-162	7	10	that	that	SCONJ
esutjss-162	7	11	digital	digital	ADJ
esutjss-162	7	12	transformation	transformation	NOUN
esutjss-162	7	13	(	(	PUNCT
esutjss-162	7	14	i.e.	i.e.	X
esutjss-162	7	15	cloud	cloud	NOUN
esutjss-162	7	16	based	base	VERB
esutjss-162	7	17	collaborative	collaborative	ADJ
esutjss-162	7	18	suite	suite	NOUN
esutjss-162	7	19	and	and	CCONJ
esutjss-162	7	20	employee	employee	NOUN
esutjss-162	7	21	enablement	enablement	NOUN
esutjss-162	7	22	)	)	PUNCT
esutjss-162	7	23	has	have	VERB
esutjss-162	7	24	influence	influence	NOUN
esutjss-162	7	25	on	on	ADP
esutjss-162	7	26	sustainability	sustainability	NOUN
esutjss-162	7	27	of	of	ADP
esutjss-162	7	28	insurance	insurance	NOUN
esutjss-162	7	29	companies	company	NOUN
esutjss-162	7	30	in	in	ADP
esutjss-162	7	31	nigeria	nigeria	PROPN
esutjss-162	7	32	.	.	PUNCT
esutjss-162	8	1	the	the	DET
esutjss-162	8	2	study	study	NOUN
esutjss-162	8	3	concludes	conclude	VERB
esutjss-162	8	4	that	that	SCONJ
esutjss-162	8	5	cloud	cloud	NOUN
esutjss-162	8	6	based	base	VERB
esutjss-162	8	7	collaborative	collaborative	ADJ
esutjss-162	8	8	suite	suite	NOUN
esutjss-162	8	9	and	and	CCONJ
esutjss-162	8	10	employee	employee	NOUN
esutjss-162	8	11	enablement	enablement	NOUN
esutjss-162	8	12	as	as	ADP
esutjss-162	8	13	a	a	DET
esutjss-162	8	14	digital	digital	ADJ
esutjss-162	8	15	transformation	transformation	NOUN
esutjss-162	8	16	strategy	strategy	NOUN
esutjss-162	8	17	has	have	VERB
esutjss-162	8	18	impact	impact	NOUN
esutjss-162	8	19	on	on	ADP
esutjss-162	8	20	sustainability	sustainability	NOUN
esutjss-162	8	21	of	of	ADP
esutjss-162	8	22	insurance	insurance	NOUN
esutjss-162	8	23	companies	company	NOUN
esutjss-162	8	24	.	.	PUNCT
esutjss-162	9	1	the	the	DET
esutjss-162	9	2	study	study	NOUN
esutjss-162	9	3	recommends	recommend	VERB
esutjss-162	9	4	that	that	SCONJ
esutjss-162	9	5	insurance	insurance	NOUN
esutjss-162	9	6	companies	company	NOUN
esutjss-162	9	7	should	should	AUX
esutjss-162	9	8	ensure	ensure	VERB
esutjss-162	9	9	adequate	adequate	ADJ
esutjss-162	9	10	digitalization	digitalization	NOUN
esutjss-162	9	11	to	to	AUX
esutjss-162	9	12	guaranty	guaranty	VERB
esutjss-162	9	13	improved	improve	VERB
esutjss-162	9	14	market	market	NOUN
esutjss-162	9	15	penetration	penetration	NOUN
esutjss-162	9	16	.	.	PUNCT
esutjss-162	10	1	keywords	keyword	NOUN
esutjss-162	10	2	:	:	PUNCT
esutjss-162	10	3	cloud	cloud	NOUN
esutjss-162	10	4	based	base	VERB
esutjss-162	10	5	collaborative	collaborative	ADJ
esutjss-162	10	6	suite	suite	NOUN
esutjss-162	10	7	,	,	PUNCT
esutjss-162	10	8	employee	employee	NOUN
esutjss-162	10	9	enablement	enablement	NOUN
esutjss-162	10	10	,	,	PUNCT
esutjss-162	10	11	digital	digital	ADJ
esutjss-162	10	12	transformation	transformation	NOUN
esutjss-162	10	13	,	,	PUNCT
esutjss-162	10	14	sustainability	sustainability	NOUN
esutjss-162	10	15	,	,	PUNCT
esutjss-162	10	16	insurance	insurance	NOUN
esutjss-162	10	17	business	business	NOUN
esutjss-162	10	18	,	,	PUNCT
esutjss-162	10	19	nigeria	nigeria	PROPN
esutjss-162	10	20	.	.	PUNCT
esutjss-162	11	1	introduction	introduction	NOUN
esutjss-162	11	2	in	in	ADP
esutjss-162	11	3	the	the	DET
esutjss-162	11	4	wake	wake	NOUN
esutjss-162	11	5	of	of	ADP
esutjss-162	11	6	year	year	NOUN
esutjss-162	11	7	2020	2020	NUM
esutjss-162	11	8	due	due	ADP
esutjss-162	11	9	to	to	ADP
esutjss-162	11	10	covid-19	covid-19	PROPN
esutjss-162	11	11	shutdowns	shutdown	NOUN
esutjss-162	11	12	,	,	PUNCT
esutjss-162	11	13	information	information	NOUN
esutjss-162	11	14	technology	technology	NOUN
esutjss-162	11	15	groups	group	NOUN
esutjss-162	11	16	pivoted	pivot	VERB
esutjss-162	11	17	nearly	nearly	ADV
esutjss-162	11	18	overnight	overnight	ADV
esutjss-162	11	19	,	,	PUNCT
esutjss-162	11	20	launching	launch	VERB
esutjss-162	11	21	technology	technology	NOUN
esutjss-162	11	22	-	-	PUNCT
esutjss-162	11	23	driven	drive	VERB
esutjss-162	11	24	initiatives	initiative	NOUN
esutjss-162	11	25	to	to	PART
esutjss-162	11	26	enable	enable	VERB
esutjss-162	11	27	remote	remote	ADJ
esutjss-162	11	28	work	work	NOUN
esutjss-162	11	29	and	and	CCONJ
esutjss-162	11	30	distance	distance	NOUN
esutjss-162	11	31	learning	learning	NOUN
esutjss-162	11	32	.	.	PUNCT
esutjss-162	12	1	new	new	ADJ
esutjss-162	12	2	customer	customer	NOUN
esutjss-162	12	3	experiences	experience	VERB
esutjss-162	12	4	couple	couple	NOUN
esutjss-162	12	5	with	with	ADP
esutjss-162	12	6	new	new	ADJ
esutjss-162	12	7	online	online	ADJ
esutjss-162	12	8	sales	sale	NOUN
esutjss-162	12	9	platforms	platform	NOUN
esutjss-162	12	10	followed	follow	VERB
esutjss-162	12	11	close	close	ADV
esutjss-162	12	12	behind	behind	ADV
esutjss-162	12	13	(	(	PUNCT
esutjss-162	12	14	stackpole	stackpole	PROPN
esutjss-162	12	15	,	,	PUNCT
esutjss-162	12	16	2021	2021	NUM
esutjss-162	12	17	)	)	PUNCT
esutjss-162	12	18	.	.	PUNCT
esutjss-162	13	1	the	the	DET
esutjss-162	13	2	covid	covid	PROPN
esutjss-162	13	3	19	19	NUM
esutjss-162	13	4	pandemic	pandemic	NOUN
esutjss-162	13	5	caused	cause	VERB
esutjss-162	13	6	the	the	DET
esutjss-162	13	7	world	world	NOUN
esutjss-162	13	8	economic	economic	ADJ
esutjss-162	13	9	activities	activity	NOUN
esutjss-162	13	10	to	to	PART
esutjss-162	13	11	be	be	AUX
esutjss-162	13	12	in	in	ADP
esutjss-162	13	13	a	a	DET
esutjss-162	13	14	state	state	NOUN
esutjss-162	13	15	of	of	ADP
esutjss-162	13	16	shock	shock	NOUN
esutjss-162	13	17	,	,	PUNCT
esutjss-162	13	18	and	and	CCONJ
esutjss-162	13	19	although	although	SCONJ
esutjss-162	13	20	the	the	DET
esutjss-162	13	21	trigger	trigger	NOUN
esutjss-162	13	22	is	be	AUX
esutjss-162	13	23	not	not	PART
esutjss-162	13	24	the	the	DET
esutjss-162	13	25	system	system	NOUN
esutjss-162	13	26	as	as	ADP
esutjss-162	13	27	itself	itself	PRON
esutjss-162	13	28	,	,	PUNCT
esutjss-162	13	29	the	the	DET
esutjss-162	13	30	resultant	resultant	NOUN
esutjss-162	13	31	effects	effect	NOUN
esutjss-162	13	32	nevertheless	nevertheless	ADV
esutjss-162	13	33	reveal	reveal	VERB
esutjss-162	13	34	weaknesses	weakness	NOUN
esutjss-162	13	35	and	and	CCONJ
esutjss-162	13	36	systematic	systematic	ADJ
esutjss-162	13	37	vulnerabilities	vulnerability	NOUN
esutjss-162	13	38	in	in	ADP
esutjss-162	13	39	the	the	DET
esutjss-162	13	40	global	global	ADJ
esutjss-162	13	41	economic	economic	ADJ
esutjss-162	13	42	mechanisms	mechanism	NOUN
esutjss-162	13	43	(	(	PUNCT
esutjss-162	13	44	lehmann	lehmann	PROPN
esutjss-162	13	45	,	,	PUNCT
esutjss-162	13	46	2020	2020	NUM
esutjss-162	13	47	)	)	PUNCT
esutjss-162	13	48	.	.	PUNCT
esutjss-162	14	1	at	at	ADP
esutjss-162	14	2	the	the	DET
esutjss-162	14	3	beginning	beginning	NOUN
esutjss-162	14	4	of	of	ADP
esutjss-162	14	5	the	the	DET
esutjss-162	14	6	covid-19	covid-19	PROPN
esutjss-162	14	7	pandemic	pandemic	NOUN
esutjss-162	14	8	,	,	PUNCT
esutjss-162	14	9	many	many	ADJ
esutjss-162	14	10	companies	company	NOUN
esutjss-162	14	11	including	include	VERB
esutjss-162	14	12	insurance	insurance	NOUN
esutjss-162	14	13	companies	company	NOUN
esutjss-162	14	14	had	have	VERB
esutjss-162	14	15	to	to	PART
esutjss-162	14	16	rapidly	rapidly	ADV
esutjss-162	14	17	change	change	VERB
esutjss-162	14	18	their	their	PRON
esutjss-162	14	19	work	work	NOUN
esutjss-162	14	20	organization	organization	NOUN
esutjss-162	14	21	.	.	PUNCT
esutjss-162	15	1	new	new	ADJ
esutjss-162	15	2	home	home	NOUN
esutjss-162	15	3	office	office	NOUN
esutjss-162	15	4	regulations	regulation	NOUN
esutjss-162	15	5	,	,	PUNCT
esutjss-162	15	6	short	short	ADJ
esutjss-162	15	7	-	-	PUNCT
esutjss-162	15	8	time	time	NOUN
esutjss-162	15	9	work	work	NOUN
esutjss-162	15	10	and	and	CCONJ
esutjss-162	15	11	yet	yet	ADV
esutjss-162	15	12	still	still	ADV
esutjss-162	15	13	deliver	deliver	VERB
esutjss-162	15	14	a	a	DET
esutjss-162	15	15	high	high	ADJ
esutjss-162	15	16	quality	quality	NOUN
esutjss-162	15	17	of	of	ADP
esutjss-162	15	18	service	service	NOUN
esutjss-162	15	19	,	,	PUNCT
esutjss-162	15	20	which	which	PRON
esutjss-162	15	21	is	be	AUX
esutjss-162	15	22	a	a	DET
esutjss-162	15	23	challenging	challenging	ADJ
esutjss-162	15	24	change	change	NOUN
esutjss-162	15	25	that	that	PRON
esutjss-162	15	26	had	have	VERB
esutjss-162	15	27	to	to	PART
esutjss-162	15	28	be	be	AUX
esutjss-162	15	29	managed	manage	VERB
esutjss-162	15	30	in	in	ADP
esutjss-162	15	31	a	a	DET
esutjss-162	15	32	short	short	ADJ
esutjss-162	15	33	time	time	NOUN
esutjss-162	15	34	(	(	PUNCT
esutjss-162	15	35	mosig	mosig	PROPN
esutjss-162	15	36	&	&	CCONJ
esutjss-162	15	37	meier	meier	PROPN
esutjss-162	15	38	,	,	PUNCT
esutjss-162	15	39	2020	2020	NUM
esutjss-162	15	40	)	)	PUNCT
esutjss-162	15	41	.	.	PUNCT
esutjss-162	16	1	for	for	ADP
esutjss-162	16	2	businesses	business	NOUN
esutjss-162	16	3	,	,	PUNCT
esutjss-162	16	4	one	one	NUM
esutjss-162	16	5	consequence	consequence	NOUN
esutjss-162	16	6	of	of	ADP
esutjss-162	16	7	the	the	DET
esutjss-162	16	8	covid-19	covid-19	PROPN
esutjss-162	16	9	crisis	crisis	NOUN
esutjss-162	16	10	has	have	AUX
esutjss-162	16	11	been	be	AUX
esutjss-162	16	12	a	a	DET
esutjss-162	16	13	dramatic	dramatic	ADJ
esutjss-162	16	14	uptick	uptick	NOUN
esutjss-162	16	15	in	in	ADP
esutjss-162	16	16	the	the	DET
esutjss-162	16	17	use	use	NOUN
esutjss-162	16	18	of	of	ADP
esutjss-162	16	19	digital	digital	ADJ
esutjss-162	16	20	technologies	technology	NOUN
esutjss-162	16	21	that	that	PRON
esutjss-162	16	22	help	help	VERB
esutjss-162	16	23	reduce	reduce	VERB
esutjss-162	16	24	face	face	NOUN
esutjss-162	16	25	-	-	PUNCT
esutjss-162	16	26	to	to	ADP
esutjss-162	16	27	-	-	PUNCT
esutjss-162	16	28	face	face	NOUN
esutjss-162	16	29	interactions	interaction	NOUN
esutjss-162	16	30	and	and	CCONJ
esutjss-162	16	31	safeguard	safeguard	NOUN
esutjss-162	16	32	customer	customer	NOUN
esutjss-162	16	33	and	and	CCONJ
esutjss-162	16	34	employee	employee	NOUN
esutjss-162	16	35	health	health	NOUN
esutjss-162	16	36	and	and	CCONJ
esutjss-162	16	37	well	well	ADV
esutjss-162	16	38	-	-	PUNCT
esutjss-162	16	39	being	be	AUX
esutjss-162	16	40	(	(	PUNCT
esutjss-162	16	41	kane	kane	PROPN
esutjss-162	16	42	et	et	PROPN
esutjss-162	16	43	al	al	PROPN
esutjss-162	16	44	.	.	PROPN
esutjss-162	16	45	,	,	PUNCT
esutjss-162	16	46	2020	2020	NUM
esutjss-162	16	47	)	)	PUNCT
esutjss-162	16	48	.	.	PUNCT
esutjss-162	17	1	according	accord	VERB
esutjss-162	17	2	to	to	ADP
esutjss-162	17	3	shimazaki	shimazaki	NOUN
esutjss-162	17	4	,	,	PUNCT
esutjss-162	17	5	(	(	PUNCT
esutjss-162	17	6	2021	2021	NUM
esutjss-162	17	7	)	)	PUNCT
esutjss-162	17	8	the	the	DET
esutjss-162	17	9	covid-19	covid-19	PROPN
esutjss-162	17	10	pandemic	pandemic	NOUN
esutjss-162	17	11	and	and	CCONJ
esutjss-162	17	12	its	its	PRON
esutjss-162	17	13	resulting	result	VERB
esutjss-162	17	14	economic	economic	ADJ
esutjss-162	17	15	consequences	consequence	NOUN
esutjss-162	17	16	mailto:olujohn1992@gmail.com	mailto:olujohn1992@gmail.com	X
esutjss-162	17	17	mailto:john.aina@fedpoffaonline.edu.ng	mailto:john.aina@fedpoffaonline.edu.ng	NOUN
esutjss-162	17	18	86	86	NUM
esutjss-162	17	19	dramatically	dramatically	ADV
esutjss-162	17	20	shifted	shift	VERB
esutjss-162	17	21	the	the	DET
esutjss-162	17	22	needs	need	NOUN
esutjss-162	17	23	and	and	CCONJ
esutjss-162	17	24	expectations	expectation	NOUN
esutjss-162	17	25	of	of	ADP
esutjss-162	17	26	insurance	insurance	NOUN
esutjss-162	17	27	customers	customer	NOUN
esutjss-162	17	28	.	.	PUNCT
esutjss-162	18	1	insurance	insurance	NOUN
esutjss-162	18	2	companies	company	NOUN
esutjss-162	18	3	themselves	themselves	PRON
esutjss-162	18	4	were	be	AUX
esutjss-162	18	5	forced	force	VERB
esutjss-162	18	6	to	to	PART
esutjss-162	18	7	adapt	adapt	VERB
esutjss-162	18	8	to	to	ADP
esutjss-162	18	9	rapidly	rapidly	ADV
esutjss-162	18	10	changing	change	VERB
esutjss-162	18	11	market	market	NOUN
esutjss-162	18	12	conditions	condition	NOUN
esutjss-162	18	13	,	,	PUNCT
esutjss-162	18	14	adopting	adopt	VERB
esutjss-162	18	15	increased	increase	VERB
esutjss-162	18	16	levels	level	NOUN
esutjss-162	18	17	of	of	ADP
esutjss-162	18	18	virtualization	virtualization	NOUN
esutjss-162	18	19	.	.	PUNCT
esutjss-162	19	1	customer	customer	NOUN
esutjss-162	19	2	experience	experience	NOUN
esutjss-162	19	3	in	in	ADP
esutjss-162	19	4	the	the	DET
esutjss-162	19	5	new	new	ADJ
esutjss-162	19	6	digital	digital	ADJ
esutjss-162	19	7	era	era	NOUN
esutjss-162	19	8	is	be	AUX
esutjss-162	19	9	becoming	become	VERB
esutjss-162	19	10	more	more	ADV
esutjss-162	19	11	personal	personal	ADJ
esutjss-162	19	12	,	,	PUNCT
esutjss-162	19	13	with	with	ADP
esutjss-162	19	14	more	more	ADJ
esutjss-162	19	15	emotional	emotional	ADJ
esutjss-162	19	16	engagement	engagement	NOUN
esutjss-162	19	17	than	than	ADP
esutjss-162	19	18	in	in	ADP
esutjss-162	19	19	the	the	DET
esutjss-162	19	20	past	past	NOUN
esutjss-162	19	21	.	.	PUNCT
esutjss-162	20	1	the	the	DET
esutjss-162	20	2	pandemic	pandemic	NOUN
esutjss-162	20	3	is	be	AUX
esutjss-162	20	4	a	a	DET
esutjss-162	20	5	reality	reality	NOUN
esutjss-162	20	6	check	check	NOUN
esutjss-162	20	7	for	for	ADP
esutjss-162	20	8	businesses	business	NOUN
esutjss-162	20	9	that	that	PRON
esutjss-162	20	10	have	have	AUX
esutjss-162	20	11	been	be	AUX
esutjss-162	20	12	reluctant	reluctant	ADJ
esutjss-162	20	13	to	to	PART
esutjss-162	20	14	embrace	embrace	VERB
esutjss-162	20	15	digital	digital	ADJ
esutjss-162	20	16	transformation	transformation	NOUN
esutjss-162	20	17	and	and	CCONJ
esutjss-162	20	18	now	now	ADV
esutjss-162	20	19	find	find	VERB
esutjss-162	20	20	themselves	themselves	PRON
esutjss-162	20	21	woefully	woefully	ADV
esutjss-162	20	22	unprepared	unprepared	ADJ
esutjss-162	20	23	(	(	PUNCT
esutjss-162	20	24	binder	binder	NOUN
esutjss-162	20	25	dijker	dijker	NOUN
esutjss-162	20	26	otte	otte	PROPN
esutjss-162	20	27	(	(	PUNCT
esutjss-162	20	28	bdo	bdo	PROPN
esutjss-162	20	29	)	)	PUNCT
esutjss-162	20	30	,	,	PUNCT
esutjss-162	20	31	2020	2020	NUM
esutjss-162	20	32	)	)	PUNCT
esutjss-162	20	33	.	.	PUNCT
esutjss-162	21	1	for	for	ADP
esutjss-162	21	2	insurance	insurance	NOUN
esutjss-162	21	3	companies	company	NOUN
esutjss-162	21	4	,	,	PUNCT
esutjss-162	21	5	the	the	DET
esutjss-162	21	6	digital	digital	ADJ
esutjss-162	21	7	transformation	transformation	NOUN
esutjss-162	21	8	phenomena	phenomena	NOUN
esutjss-162	21	9	is	be	AUX
esutjss-162	21	10	usually	usually	ADV
esutjss-162	21	11	intricate	intricate	ADJ
esutjss-162	21	12	,	,	PUNCT
esutjss-162	21	13	confusing	confusing	ADJ
esutjss-162	21	14	,	,	PUNCT
esutjss-162	21	15	hard	hard	ADJ
esutjss-162	21	16	,	,	PUNCT
esutjss-162	21	17	and	and	CCONJ
esutjss-162	21	18	no	no	DET
esutjss-162	21	19	routine	routine	ADJ
esutjss-162	21	20	managerial	managerial	ADJ
esutjss-162	21	21	activities	activity	NOUN
esutjss-162	21	22	,	,	PUNCT
esutjss-162	21	23	however	however	ADV
esutjss-162	21	24	,	,	PUNCT
esutjss-162	21	25	that	that	PRON
esutjss-162	21	26	does	do	AUX
esutjss-162	21	27	not	not	PART
esutjss-162	21	28	prevent	prevent	VERB
esutjss-162	21	29	its	its	PRON
esutjss-162	21	30	application	application	NOUN
esutjss-162	21	31	in	in	ADP
esutjss-162	21	32	marketing	marketing	NOUN
esutjss-162	21	33	,	,	PUNCT
esutjss-162	21	34	claims	claim	NOUN
esutjss-162	21	35	and	and	CCONJ
esutjss-162	21	36	underwriting	underwriting	NOUN
esutjss-162	21	37	(	(	PUNCT
esutjss-162	21	38	yusuf	yusuf	PROPN
esutjss-162	21	39	,	,	PUNCT
esutjss-162	21	40	ajemunigbohun	ajemunigbohun	PROPN
esutjss-162	21	41	and	and	CCONJ
esutjss-162	21	42	alli	alli	PROPN
esutjss-162	21	43	,	,	PUNCT
esutjss-162	21	44	2017	2017	NUM
esutjss-162	21	45	;	;	PUNCT
esutjss-162	21	46	ajemunigbohun	ajemunigbohun	PROPN
esutjss-162	21	47	,	,	PUNCT
esutjss-162	21	48	oreshile	oreshile	NOUN
esutjss-162	21	49	and	and	CCONJ
esutjss-162	21	50	alli	alli	PROPN
esutjss-162	21	51	,	,	PUNCT
esutjss-162	21	52	2018).because	2018).because	NUM
esutjss-162	21	53	of	of	ADP
esutjss-162	21	54	frequent	frequent	ADJ
esutjss-162	21	55	technological	technological	ADJ
esutjss-162	21	56	advancements	advancement	NOUN
esutjss-162	21	57	,	,	PUNCT
esutjss-162	21	58	the	the	DET
esutjss-162	21	59	success	success	NOUN
esutjss-162	21	60	rate	rate	NOUN
esutjss-162	21	61	of	of	ADP
esutjss-162	21	62	such	such	ADJ
esutjss-162	21	63	digital	digital	ADJ
esutjss-162	21	64	transformations	transformation	NOUN
esutjss-162	21	65	in	in	ADP
esutjss-162	21	66	insurance	insurance	NOUN
esutjss-162	21	67	is	be	AUX
esutjss-162	21	68	quite	quite	ADV
esutjss-162	21	69	low	low	ADJ
esutjss-162	21	70	.	.	PUNCT
esutjss-162	22	1	digital	digital	ADJ
esutjss-162	22	2	transformation	transformation	NOUN
esutjss-162	22	3	using	use	VERB
esutjss-162	22	4	these	these	DET
esutjss-162	22	5	technologies	technology	NOUN
esutjss-162	22	6	necessitates	necessitate	VERB
esutjss-162	22	7	substantial	substantial	ADJ
esutjss-162	22	8	changes	change	NOUN
esutjss-162	22	9	in	in	ADP
esutjss-162	22	10	organizational	organizational	ADJ
esutjss-162	22	11	processes	process	NOUN
esutjss-162	22	12	,	,	PUNCT
esutjss-162	22	13	technology	technology	NOUN
esutjss-162	22	14	,	,	PUNCT
esutjss-162	22	15	and	and	CCONJ
esutjss-162	22	16	human	human	ADJ
esutjss-162	22	17	behaviour	behaviour	NOUN
esutjss-162	22	18	.	.	PUNCT
esutjss-162	23	1	this	this	DET
esutjss-162	23	2	wide	wide	ADJ
esutjss-162	23	3	transformation	transformation	NOUN
esutjss-162	23	4	generates	generate	VERB
esutjss-162	23	5	a	a	DET
esutjss-162	23	6	variety	variety	NOUN
esutjss-162	23	7	of	of	ADP
esutjss-162	23	8	socio	socio	NOUN
esutjss-162	23	9	-	-	PUNCT
esutjss-162	23	10	technical	technical	ADJ
esutjss-162	23	11	difficulties	difficulty	NOUN
esutjss-162	23	12	and	and	CCONJ
esutjss-162	23	13	challenges	challenge	NOUN
esutjss-162	23	14	.	.	PUNCT
esutjss-162	24	1	the	the	DET
esutjss-162	24	2	proactive	proactive	ADJ
esutjss-162	24	3	approach	approach	NOUN
esutjss-162	24	4	involving	involve	VERB
esutjss-162	24	5	people	people	NOUN
esutjss-162	24	6	,	,	PUNCT
esutjss-162	24	7	process	process	NOUN
esutjss-162	24	8	,	,	PUNCT
esutjss-162	24	9	technology	technology	NOUN
esutjss-162	24	10	,	,	PUNCT
esutjss-162	24	11	and	and	CCONJ
esutjss-162	24	12	,	,	PUNCT
esutjss-162	24	13	most	most	ADV
esutjss-162	24	14	importantly	importantly	ADV
esutjss-162	24	15	,	,	PUNCT
esutjss-162	24	16	their	their	PRON
esutjss-162	24	17	alignment	alignment	NOUN
esutjss-162	24	18	in	in	ADP
esutjss-162	24	19	the	the	DET
esutjss-162	24	20	company	company	NOUN
esutjss-162	24	21	is	be	AUX
esutjss-162	24	22	found	find	VERB
esutjss-162	24	23	to	to	PART
esutjss-162	24	24	be	be	AUX
esutjss-162	24	25	vital	vital	ADJ
esutjss-162	24	26	in	in	ADP
esutjss-162	24	27	carrying	carry	VERB
esutjss-162	24	28	out	out	ADP
esutjss-162	24	29	such	such	ADJ
esutjss-162	24	30	transformation	transformation	NOUN
esutjss-162	24	31	endeavour	endeavour	NOUN
esutjss-162	24	32	in	in	ADP
esutjss-162	24	33	the	the	DET
esutjss-162	24	34	firm	firm	NOUN
esutjss-162	24	35	.	.	PUNCT
esutjss-162	25	1	the	the	DET
esutjss-162	25	2	planned	plan	VERB
esutjss-162	25	3	efforts	effort	NOUN
esutjss-162	25	4	surrounding	surround	VERB
esutjss-162	25	5	the	the	DET
esutjss-162	25	6	determined	determined	ADJ
esutjss-162	25	7	strategy	strategy	NOUN
esutjss-162	25	8	also	also	ADV
esutjss-162	25	9	play	play	VERB
esutjss-162	25	10	a	a	DET
esutjss-162	25	11	significant	significant	ADJ
esutjss-162	25	12	part	part	NOUN
esutjss-162	25	13	in	in	ADP
esutjss-162	25	14	the	the	DET
esutjss-162	25	15	execution	execution	NOUN
esutjss-162	25	16	and	and	CCONJ
esutjss-162	25	17	sustainability	sustainability	NOUN
esutjss-162	25	18	of	of	ADP
esutjss-162	25	19	such	such	ADJ
esutjss-162	25	20	transformation	transformation	NOUN
esutjss-162	25	21	projects	project	NOUN
esutjss-162	25	22	in	in	ADP
esutjss-162	25	23	insurance	insurance	NOUN
esutjss-162	25	24	firms	firm	NOUN
esutjss-162	25	25	.	.	PUNCT
esutjss-162	26	1	furthermore	furthermore	ADV
esutjss-162	26	2	,	,	PUNCT
esutjss-162	26	3	value	value	NOUN
esutjss-162	26	4	creation	creation	NOUN
esutjss-162	26	5	,	,	PUNCT
esutjss-162	26	6	operational	operational	ADJ
esutjss-162	26	7	efficiency	efficiency	NOUN
esutjss-162	26	8	,	,	PUNCT
esutjss-162	26	9	competitive	competitive	ADJ
esutjss-162	26	10	advantage	advantage	NOUN
esutjss-162	26	11	,	,	PUNCT
esutjss-162	26	12	customer	customer	NOUN
esutjss-162	26	13	relationships	relationship	NOUN
esutjss-162	26	14	,	,	PUNCT
esutjss-162	26	15	and	and	CCONJ
esutjss-162	26	16	new	new	ADJ
esutjss-162	26	17	business	business	NOUN
esutjss-162	26	18	models	model	NOUN
esutjss-162	26	19	emerge	emerge	VERB
esutjss-162	26	20	as	as	ADP
esutjss-162	26	21	critical	critical	ADJ
esutjss-162	26	22	motivators	motivator	NOUN
esutjss-162	26	23	and	and	CCONJ
esutjss-162	26	24	outcomes	outcome	NOUN
esutjss-162	26	25	of	of	ADP
esutjss-162	26	26	digital	digital	ADJ
esutjss-162	26	27	transformation	transformation	NOUN
esutjss-162	26	28	(	(	PUNCT
esutjss-162	26	29	schallmo	schallmo	NOUN
esutjss-162	26	30	,	,	PUNCT
esutjss-162	26	31	williams	williams	PROPN
esutjss-162	26	32	&	&	CCONJ
esutjss-162	26	33	boardman	boardman	PROPN
esutjss-162	26	34	,	,	PUNCT
esutjss-162	26	35	2017	2017	NUM
esutjss-162	26	36	)	)	PUNCT
esutjss-162	26	37	.	.	PUNCT
esutjss-162	27	1	due	due	ADP
esutjss-162	27	2	to	to	ADP
esutjss-162	27	3	market	market	NOUN
esutjss-162	27	4	disruption	disruption	NOUN
esutjss-162	27	5	and	and	CCONJ
esutjss-162	27	6	gaps	gap	NOUN
esutjss-162	27	7	in	in	ADP
esutjss-162	27	8	organizational	organizational	ADJ
esutjss-162	27	9	needs	need	NOUN
esutjss-162	27	10	and	and	CCONJ
esutjss-162	27	11	procedures	procedure	NOUN
esutjss-162	27	12	,	,	PUNCT
esutjss-162	27	13	digital	digital	ADJ
esutjss-162	27	14	transformation	transformation	NOUN
esutjss-162	27	15	is	be	AUX
esutjss-162	27	16	developing	develop	VERB
esutjss-162	27	17	at	at	ADP
esutjss-162	27	18	a	a	DET
esutjss-162	27	19	rapid	rapid	ADJ
esutjss-162	27	20	rate	rate	NOUN
esutjss-162	27	21	in	in	ADP
esutjss-162	27	22	public	public	ADJ
esutjss-162	27	23	and	and	CCONJ
esutjss-162	27	24	private	private	ADJ
esutjss-162	27	25	insurance	insurance	NOUN
esutjss-162	27	26	firms	firm	NOUN
esutjss-162	27	27	.	.	PUNCT
esutjss-162	28	1	it	it	PRON
esutjss-162	28	2	becomes	become	VERB
esutjss-162	28	3	a	a	DET
esutjss-162	28	4	key	key	ADJ
esutjss-162	28	5	market	market	NOUN
esutjss-162	28	6	need	need	NOUN
esutjss-162	28	7	for	for	ADP
esutjss-162	28	8	the	the	DET
esutjss-162	28	9	existence	existence	NOUN
esutjss-162	28	10	of	of	ADP
esutjss-162	28	11	insurance	insurance	NOUN
esutjss-162	28	12	companies	company	NOUN
esutjss-162	28	13	.	.	PUNCT
esutjss-162	29	1	according	accord	VERB
esutjss-162	29	2	to	to	ADP
esutjss-162	29	3	pflaum	pflaum	PROPN
esutjss-162	29	4	and	and	CCONJ
esutjss-162	29	5	golzer	golzer	NOUN
esutjss-162	29	6	(	(	PUNCT
esutjss-162	29	7	2018	2018	NUM
esutjss-162	29	8	)	)	PUNCT
esutjss-162	29	9	,	,	PUNCT
esutjss-162	29	10	the	the	DET
esutjss-162	29	11	fourth	fourth	PROPN
esutjss-162	29	12	industrial	industrial	ADJ
esutjss-162	29	13	revolution	revolution	NOUN
esutjss-162	29	14	has	have	AUX
esutjss-162	29	15	evolved	evolve	VERB
esutjss-162	29	16	in	in	ADP
esutjss-162	29	17	recent	recent	ADJ
esutjss-162	29	18	decades	decade	NOUN
esutjss-162	29	19	as	as	ADP
esutjss-162	29	20	a	a	DET
esutjss-162	29	21	result	result	NOUN
esutjss-162	29	22	of	of	ADP
esutjss-162	29	23	digital	digital	ADJ
esutjss-162	29	24	transformation	transformation	NOUN
esutjss-162	29	25	enabled	enable	VERB
esutjss-162	29	26	by	by	ADP
esutjss-162	29	27	new	new	ADJ
esutjss-162	29	28	workplace	workplace	NOUN
esutjss-162	29	29	technology	technology	NOUN
esutjss-162	29	30	.	.	PUNCT
esutjss-162	30	1	according	accord	VERB
esutjss-162	30	2	to	to	ADP
esutjss-162	30	3	kenney	kenney	PROPN
esutjss-162	30	4	,	,	PUNCT
esutjss-162	30	5	rouvinen	rouvinen	NOUN
esutjss-162	30	6	,	,	PUNCT
esutjss-162	30	7	and	and	CCONJ
esutjss-162	30	8	zysman	zysman	NOUN
esutjss-162	30	9	,	,	PUNCT
esutjss-162	30	10	2015	2015	NUM
esutjss-162	30	11	)	)	PUNCT
esutjss-162	30	12	,	,	PUNCT
esutjss-162	30	13	the	the	DET
esutjss-162	30	14	demand	demand	NOUN
esutjss-162	30	15	for	for	ADP
esutjss-162	30	16	transformation	transformation	NOUN
esutjss-162	30	17	develops	develop	VERB
esutjss-162	30	18	as	as	ADP
esutjss-162	30	19	a	a	DET
esutjss-162	30	20	result	result	NOUN
esutjss-162	30	21	of	of	ADP
esutjss-162	30	22	social	social	ADJ
esutjss-162	30	23	,	,	PUNCT
esutjss-162	30	24	industrial	industrial	ADJ
esutjss-162	30	25	,	,	PUNCT
esutjss-162	30	26	and	and	CCONJ
esutjss-162	30	27	,	,	PUNCT
esutjss-162	30	28	most	most	ADV
esutjss-162	30	29	importantly	importantly	ADV
esutjss-162	30	30	,	,	PUNCT
esutjss-162	30	31	technical	technical	ADJ
esutjss-162	30	32	improvements	improvement	NOUN
esutjss-162	30	33	.	.	PUNCT
esutjss-162	31	1	this	this	DET
esutjss-162	31	2	wide	wide	ADJ
esutjss-162	31	3	transition	transition	NOUN
esutjss-162	31	4	emphasizes	emphasize	VERB
esutjss-162	31	5	several	several	ADJ
esutjss-162	31	6	socio	socio	NOUN
esutjss-162	31	7	-	-	PUNCT
esutjss-162	31	8	technical	technical	ADJ
esutjss-162	31	9	concerns	concern	NOUN
esutjss-162	31	10	and	and	CCONJ
esutjss-162	31	11	obstacles	obstacle	NOUN
esutjss-162	31	12	,	,	PUNCT
esutjss-162	31	13	creating	create	VERB
esutjss-162	31	14	roadblocks	roadblock	NOUN
esutjss-162	31	15	to	to	ADP
esutjss-162	31	16	a	a	DET
esutjss-162	31	17	successful	successful	ADJ
esutjss-162	31	18	transformation	transformation	NOUN
esutjss-162	31	19	process	process	NOUN
esutjss-162	31	20	(	(	PUNCT
esutjss-162	31	21	khan	khan	PROPN
esutjss-162	31	22	&	&	CCONJ
esutjss-162	31	23	bokhari	bokhari	PROPN
esutjss-162	31	24	,	,	PUNCT
esutjss-162	31	25	2018	2018	NUM
esutjss-162	31	26	;	;	PUNCT
esutjss-162	31	27	mahmood	mahmood	PROPN
esutjss-162	31	28	,	,	PUNCT
esutjss-162	31	29	khan	khan	PROPN
esutjss-162	31	30	,	,	PUNCT
esutjss-162	31	31	&	&	CCONJ
esutjss-162	31	32	bokhari	bokhari	PROPN
esutjss-162	31	33	,	,	PUNCT
esutjss-162	31	34	(	(	PUNCT
esutjss-162	31	35	2019	2019	NUM
esutjss-162	31	36	)	)	PUNCT
esutjss-162	31	37	.	.	PUNCT
esutjss-162	32	1	transformation	transformation	NOUN
esutjss-162	32	2	,	,	PUNCT
esutjss-162	32	3	according	accord	VERB
esutjss-162	32	4	to	to	ADP
esutjss-162	32	5	researchers	researcher	NOUN
esutjss-162	32	6	,	,	PUNCT
esutjss-162	32	7	experts	expert	NOUN
esutjss-162	32	8	,	,	PUNCT
esutjss-162	32	9	and	and	CCONJ
esutjss-162	32	10	practitioners	practitioner	NOUN
esutjss-162	32	11	,	,	PUNCT
esutjss-162	32	12	is	be	AUX
esutjss-162	32	13	a	a	DET
esutjss-162	32	14	complicated	complicated	ADJ
esutjss-162	32	15	process	process	NOUN
esutjss-162	32	16	in	in	ADP
esutjss-162	32	17	terms	term	NOUN
esutjss-162	32	18	of	of	ADP
esutjss-162	32	19	people	people	NOUN
esutjss-162	32	20	and	and	CCONJ
esutjss-162	32	21	process	process	NOUN
esutjss-162	32	22	,	,	PUNCT
esutjss-162	32	23	making	make	VERB
esutjss-162	32	24	it	it	PRON
esutjss-162	32	25	a	a	DET
esutjss-162	32	26	difficult	difficult	ADJ
esutjss-162	32	27	endeavor	endeavor	NOUN
esutjss-162	32	28	(	(	PUNCT
esutjss-162	32	29	higgs	higgs	PROPN
esutjss-162	32	30	&	&	CCONJ
esutjss-162	32	31	rowland	rowland	PROPN
esutjss-162	32	32	,	,	PUNCT
esutjss-162	32	33	2005	2005	NUM
esutjss-162	32	34	)	)	PUNCT
esutjss-162	32	35	.	.	PUNCT
esutjss-162	33	1	prior	prior	ADJ
esutjss-162	33	2	research	research	NOUN
esutjss-162	33	3	indicates	indicate	VERB
esutjss-162	33	4	that	that	SCONJ
esutjss-162	33	5	digital	digital	ADJ
esutjss-162	33	6	transformation	transformation	NOUN
esutjss-162	33	7	programs	program	NOUN
esutjss-162	33	8	fail	fail	VERB
esutjss-162	33	9	at	at	ADP
esutjss-162	33	10	a	a	DET
esutjss-162	33	11	significant	significant	ADJ
esutjss-162	33	12	rate	rate	NOUN
esutjss-162	33	13	.	.	PUNCT
esutjss-162	34	1	according	accord	VERB
esutjss-162	34	2	to	to	ADP
esutjss-162	34	3	mckinsey	mckinsey	NOUN
esutjss-162	34	4	,	,	PUNCT
esutjss-162	34	5	70	70	NUM
esutjss-162	34	6	%	%	NOUN
esutjss-162	34	7	of	of	ADP
esutjss-162	34	8	transformation	transformation	NOUN
esutjss-162	34	9	programs	program	NOUN
esutjss-162	34	10	fail	fail	VERB
esutjss-162	34	11	(	(	PUNCT
esutjss-162	34	12	bucy	bucy	NOUN
esutjss-162	34	13	,	,	PUNCT
esutjss-162	34	14	finlayson	finlayson	PROPN
esutjss-162	34	15	,	,	PUNCT
esutjss-162	34	16	kelly	kelly	PROPN
esutjss-162	34	17	&	&	CCONJ
esutjss-162	34	18	moye	moye	PROPN
esutjss-162	34	19	,	,	PUNCT
esutjss-162	34	20	2015	2015	NUM
esutjss-162	34	21	)	)	PUNCT
esutjss-162	34	22	,	,	PUNCT
esutjss-162	34	23	demonstrating	demonstrate	VERB
esutjss-162	34	24	that	that	SCONJ
esutjss-162	34	25	most	most	ADJ
esutjss-162	34	26	insurance	insurance	NOUN
esutjss-162	34	27	businesses	business	NOUN
esutjss-162	34	28	lack	lack	VERB
esutjss-162	34	29	this	this	DET
esutjss-162	34	30	capability	capability	NOUN
esutjss-162	34	31	(	(	PUNCT
esutjss-162	34	32	gobble	gobble	ADJ
esutjss-162	34	33	,	,	PUNCT
esutjss-162	34	34	2018	2018	NUM
esutjss-162	34	35	)	)	PUNCT
esutjss-162	34	36	.	.	PUNCT
esutjss-162	35	1	one	one	NUM
esutjss-162	35	2	of	of	ADP
esutjss-162	35	3	the	the	DET
esutjss-162	35	4	most	most	ADV
esutjss-162	35	5	difficult	difficult	ADJ
esutjss-162	35	6	things	thing	NOUN
esutjss-162	35	7	for	for	ADP
esutjss-162	35	8	insurance	insurance	NOUN
esutjss-162	35	9	executives	executive	NOUN
esutjss-162	35	10	is	be	AUX
esutjss-162	35	11	figuring	figure	VERB
esutjss-162	35	12	out	out	ADP
esutjss-162	35	13	how	how	SCONJ
esutjss-162	35	14	to	to	PART
esutjss-162	35	15	implement	implement	VERB
esutjss-162	35	16	digital	digital	ADJ
esutjss-162	35	17	technology	technology	NOUN
esutjss-162	35	18	revolution	revolution	NOUN
esutjss-162	35	19	.	.	PUNCT
esutjss-162	36	1	in	in	ADP
esutjss-162	36	2	view	view	NOUN
esutjss-162	36	3	of	of	ADP
esutjss-162	36	4	this	this	PRON
esutjss-162	36	5	,	,	PUNCT
esutjss-162	36	6	the	the	DET
esutjss-162	36	7	following	follow	VERB
esutjss-162	36	8	research	research	NOUN
esutjss-162	36	9	objectives	objective	NOUN
esutjss-162	36	10	were	be	AUX
esutjss-162	36	11	formulated	formulate	VERB
esutjss-162	36	12	:	:	PUNCT
esutjss-162	36	13	i.	i.	NOUN
esutjss-162	36	14	determine	determine	VERB
esutjss-162	36	15	cloud	cloud	PROPN
esutjss-162	36	16	based	base	VERB
esutjss-162	36	17	collaborative	collaborative	ADJ
esutjss-162	36	18	suites	suite	NOUN
esutjss-162	36	19	influence	influence	NOUN
esutjss-162	36	20	on	on	ADP
esutjss-162	36	21	the	the	DET
esutjss-162	36	22	sustainability	sustainability	NOUN
esutjss-162	36	23	of	of	ADP
esutjss-162	36	24	insurance	insurance	NOUN
esutjss-162	36	25	companies	company	NOUN
esutjss-162	36	26	in	in	ADP
esutjss-162	36	27	nigeria	nigeria	PROPN
esutjss-162	36	28	ii	ii	PROPN
esutjss-162	36	29	.	.	PUNCT
esutjss-162	37	1	examine	examine	VERB
esutjss-162	37	2	employee	employee	NOUN
esutjss-162	37	3	enablement	enablement	NOUN
esutjss-162	37	4	effect	effect	NOUN
esutjss-162	37	5	on	on	ADP
esutjss-162	37	6	the	the	DET
esutjss-162	37	7	sustainability	sustainability	NOUN
esutjss-162	37	8	of	of	ADP
esutjss-162	37	9	insurance	insurance	NOUN
esutjss-162	37	10	companies	company	NOUN
esutjss-162	37	11	in	in	ADP
esutjss-162	37	12	nigeria	nigeria	PROPN
esutjss-162	37	13	in	in	ADP
esutjss-162	37	14	order	order	NOUN
esutjss-162	37	15	to	to	PART
esutjss-162	37	16	provide	provide	VERB
esutjss-162	37	17	answers	answer	NOUN
esutjss-162	37	18	to	to	ADP
esutjss-162	37	19	the	the	DET
esutjss-162	37	20	above	above	ADJ
esutjss-162	37	21	formulated	formulated	ADJ
esutjss-162	37	22	objectives	objective	NOUN
esutjss-162	37	23	,	,	PUNCT
esutjss-162	37	24	the	the	DET
esutjss-162	37	25	following	follow	VERB
esutjss-162	37	26	hypothesis	hypothesis	NOUN
esutjss-162	37	27	was	be	AUX
esutjss-162	37	28	formulated	formulate	VERB
esutjss-162	37	29	as	as	ADV
esutjss-162	37	30	well	well	ADV
esutjss-162	37	31	:	:	PUNCT
esutjss-162	37	32	ho1	ho1	NOUN
esutjss-162	37	33	:	:	PUNCT
esutjss-162	37	34	cloud	cloud	NOUN
esutjss-162	37	35	based	base	VERB
esutjss-162	37	36	collaborative	collaborative	ADJ
esutjss-162	37	37	suites	suite	NOUN
esutjss-162	37	38	does	do	AUX
esutjss-162	37	39	not	not	PART
esutjss-162	37	40	have	have	VERB
esutjss-162	37	41	an	an	DET
esutjss-162	37	42	influence	influence	NOUN
esutjss-162	37	43	on	on	ADP
esutjss-162	37	44	the	the	DET
esutjss-162	37	45	sustainability	sustainability	NOUN
esutjss-162	37	46	of	of	ADP
esutjss-162	37	47	insurance	insurance	NOUN
esutjss-162	37	48	companies	company	NOUN
esutjss-162	37	49	in	in	ADP
esutjss-162	37	50	nigeria	nigeria	PROPN
esutjss-162	37	51	87	87	NUM
esutjss-162	37	52	ho2	ho2	NOUN
esutjss-162	37	53	:	:	PUNCT
esutjss-162	37	54	employee	employee	NOUN
esutjss-162	37	55	enablement	enablement	NOUN
esutjss-162	37	56	does	do	AUX
esutjss-162	37	57	not	not	PART
esutjss-162	37	58	have	have	AUX
esutjss-162	37	59	any	any	DET
esutjss-162	37	60	effect	effect	NOUN
esutjss-162	37	61	on	on	ADP
esutjss-162	37	62	the	the	DET
esutjss-162	37	63	sustainability	sustainability	NOUN
esutjss-162	37	64	of	of	ADP
esutjss-162	37	65	insurance	insurance	NOUN
esutjss-162	37	66	companies	company	NOUN
esutjss-162	37	67	in	in	ADP
esutjss-162	37	68	nigeria	nigeria	PROPN
esutjss-162	37	69	review	review	PROPN
esutjss-162	37	70	of	of	ADP
esutjss-162	37	71	relevant	relevant	ADJ
esutjss-162	37	72	literature	literature	PROPN
esutjss-162	37	73	digital	digital	PROPN
esutjss-162	37	74	transformation	transformation	NOUN
esutjss-162	37	75	digital	digital	ADJ
esutjss-162	37	76	transformation	transformation	NOUN
esutjss-162	37	77	is	be	AUX
esutjss-162	37	78	the	the	DET
esutjss-162	37	79	process	process	NOUN
esutjss-162	37	80	of	of	ADP
esutjss-162	37	81	using	use	VERB
esutjss-162	37	82	digital	digital	ADJ
esutjss-162	37	83	technologies	technology	NOUN
esutjss-162	37	84	to	to	PART
esutjss-162	37	85	create	create	VERB
esutjss-162	37	86	new	new	ADJ
esutjss-162	37	87	or	or	CCONJ
esutjss-162	37	88	modify	modify	VERB
esutjss-162	37	89	existing	exist	VERB
esutjss-162	37	90	business	business	NOUN
esutjss-162	37	91	processes	process	NOUN
esutjss-162	37	92	,	,	PUNCT
esutjss-162	37	93	culture	culture	NOUN
esutjss-162	37	94	,	,	PUNCT
esutjss-162	37	95	and	and	CCONJ
esutjss-162	37	96	customer	customer	NOUN
esutjss-162	37	97	experiences	experience	NOUN
esutjss-162	37	98	to	to	PART
esutjss-162	37	99	meet	meet	VERB
esutjss-162	37	100	changing	change	VERB
esutjss-162	37	101	business	business	NOUN
esutjss-162	37	102	and	and	CCONJ
esutjss-162	37	103	market	market	NOUN
esutjss-162	37	104	requirements	requirement	NOUN
esutjss-162	37	105	.	.	PUNCT
esutjss-162	38	1	this	this	DET
esutjss-162	38	2	reimagining	reimagining	NOUN
esutjss-162	38	3	of	of	ADP
esutjss-162	38	4	business	business	NOUN
esutjss-162	38	5	in	in	ADP
esutjss-162	38	6	the	the	DET
esutjss-162	38	7	digital	digital	ADJ
esutjss-162	38	8	age	age	NOUN
esutjss-162	38	9	is	be	AUX
esutjss-162	38	10	digital	digital	ADJ
esutjss-162	38	11	transformation	transformation	NOUN
esutjss-162	38	12	(	(	PUNCT
esutjss-162	38	13	peter	peter	PROPN
esutjss-162	38	14	et	et	PROPN
esutjss-162	38	15	al	al	PROPN
esutjss-162	38	16	.	.	PROPN
esutjss-162	38	17	,	,	PUNCT
esutjss-162	38	18	2020	2020	NUM
esutjss-162	38	19	)	)	PUNCT
esutjss-162	38	20	.	.	PUNCT
esutjss-162	39	1	digital	digital	ADJ
esutjss-162	39	2	transformation	transformation	NOUN
esutjss-162	39	3	helps	help	VERB
esutjss-162	39	4	an	an	DET
esutjss-162	39	5	organization	organization	NOUN
esutjss-162	39	6	keep	keep	VERB
esutjss-162	39	7	up	up	ADP
esutjss-162	39	8	with	with	ADP
esutjss-162	39	9	emerging	emerge	VERB
esutjss-162	39	10	customer	customer	NOUN
esutjss-162	39	11	demands	demand	NOUN
esutjss-162	39	12	and	and	CCONJ
esutjss-162	39	13	therefore	therefore	ADV
esutjss-162	39	14	survive	survive	VERB
esutjss-162	39	15	in	in	ADP
esutjss-162	39	16	the	the	DET
esutjss-162	39	17	face	face	NOUN
esutjss-162	39	18	of	of	ADP
esutjss-162	39	19	the	the	DET
esutjss-162	39	20	future	future	NOUN
esutjss-162	39	21	.	.	PUNCT
esutjss-162	40	1	it	it	PRON
esutjss-162	40	2	allows	allow	VERB
esutjss-162	40	3	companies	company	NOUN
esutjss-162	40	4	to	to	PART
esutjss-162	40	5	compete	compete	VERB
esutjss-162	40	6	better	well	ADV
esutjss-162	40	7	in	in	ADP
esutjss-162	40	8	an	an	DET
esutjss-162	40	9	economic	economic	ADJ
esutjss-162	40	10	environment	environment	NOUN
esutjss-162	40	11	that	that	PRON
esutjss-162	40	12	is	be	AUX
esutjss-162	40	13	constantly	constantly	ADV
esutjss-162	40	14	changing	change	VERB
esutjss-162	40	15	in	in	ADP
esutjss-162	40	16	response	response	NOUN
esutjss-162	40	17	to	to	ADP
esutjss-162	40	18	technology	technology	NOUN
esutjss-162	40	19	evolutions	evolution	NOUN
esutjss-162	40	20	.	.	PUNCT
esutjss-162	41	1	digital	digital	ADJ
esutjss-162	41	2	transformation	transformation	NOUN
esutjss-162	41	3	provides	provide	VERB
esutjss-162	41	4	a	a	DET
esutjss-162	41	5	valuable	valuable	ADJ
esutjss-162	41	6	opportunity	opportunity	NOUN
esutjss-162	41	7	for	for	ADP
esutjss-162	41	8	core	core	NOUN
esutjss-162	41	9	business	business	NOUN
esutjss-162	41	10	functions	function	NOUN
esutjss-162	41	11	,	,	PUNCT
esutjss-162	41	12	such	such	ADJ
esutjss-162	41	13	as	as	ADP
esutjss-162	41	14	finance	finance	NOUN
esutjss-162	41	15	and	and	CCONJ
esutjss-162	41	16	hr	hr	NOUN
esutjss-162	41	17	,	,	PUNCT
esutjss-162	41	18	to	to	PART
esutjss-162	41	19	move	move	VERB
esutjss-162	41	20	away	away	ADV
esutjss-162	41	21	from	from	ADP
esutjss-162	41	22	manual	manual	ADJ
esutjss-162	41	23	processes	process	NOUN
esutjss-162	41	24	and	and	CCONJ
esutjss-162	41	25	automate	automate	ADJ
esutjss-162	41	26	key	key	ADJ
esutjss-162	41	27	areas	area	NOUN
esutjss-162	41	28	like	like	ADP
esutjss-162	41	29	payroll	payroll	NOUN
esutjss-162	41	30	,	,	PUNCT
esutjss-162	41	31	enabling	enable	VERB
esutjss-162	41	32	leaders	leader	NOUN
esutjss-162	41	33	to	to	PART
esutjss-162	41	34	focus	focus	VERB
esutjss-162	41	35	on	on	ADP
esutjss-162	41	36	wider	wide	ADJ
esutjss-162	41	37	business	business	NOUN
esutjss-162	41	38	opportunities	opportunity	NOUN
esutjss-162	41	39	(	(	PUNCT
esutjss-162	41	40	hilali	hilali	PROPN
esutjss-162	41	41	et	et	PROPN
esutjss-162	41	42	al	al	PROPN
esutjss-162	41	43	.	.	PROPN
esutjss-162	41	44	,	,	PUNCT
esutjss-162	41	45	2020	2020	NUM
esutjss-162	41	46	)	)	PUNCT
esutjss-162	41	47	.	.	PUNCT
esutjss-162	42	1	digital	digital	ADJ
esutjss-162	42	2	transformation	transformation	NOUN
esutjss-162	42	3	is	be	AUX
esutjss-162	42	4	all	all	ADV
esutjss-162	42	5	about	about	ADP
esutjss-162	42	6	becoming	become	VERB
esutjss-162	42	7	a	a	DET
esutjss-162	42	8	digital	digital	ADJ
esutjss-162	42	9	enterprise	enterprise	NOUN
esutjss-162	42	10	an	an	DET
esutjss-162	42	11	organization	organization	NOUN
esutjss-162	42	12	that	that	PRON
esutjss-162	42	13	uses	use	VERB
esutjss-162	42	14	technology	technology	NOUN
esutjss-162	42	15	to	to	PART
esutjss-162	42	16	continuously	continuously	ADV
esutjss-162	42	17	evolve	evolve	VERB
esutjss-162	42	18	all	all	DET
esutjss-162	42	19	aspects	aspect	NOUN
esutjss-162	42	20	of	of	ADP
esutjss-162	42	21	its	its	PRON
esutjss-162	42	22	business	business	NOUN
esutjss-162	42	23	models	model	NOUN
esutjss-162	42	24	(	(	PUNCT
esutjss-162	42	25	what	what	PRON
esutjss-162	42	26	it	it	PRON
esutjss-162	42	27	offers	offer	VERB
esutjss-162	42	28	,	,	PUNCT
esutjss-162	42	29	how	how	SCONJ
esutjss-162	42	30	it	it	PRON
esutjss-162	42	31	interacts	interact	VERB
esutjss-162	42	32	with	with	ADP
esutjss-162	42	33	customers	customer	NOUN
esutjss-162	42	34	,	,	PUNCT
esutjss-162	42	35	and	and	CCONJ
esutjss-162	42	36	how	how	SCONJ
esutjss-162	42	37	it	it	PRON
esutjss-162	42	38	operates	operate	VERB
esutjss-162	42	39	.	.	PUNCT
esutjss-162	43	1	while	while	SCONJ
esutjss-162	43	2	every	every	DET
esutjss-162	43	3	digital	digital	ADJ
esutjss-162	43	4	transformation	transformation	NOUN
esutjss-162	43	5	initiative	initiative	NOUN
esutjss-162	43	6	will	will	AUX
esutjss-162	43	7	have	have	VERB
esutjss-162	43	8	its	its	PRON
esutjss-162	43	9	own	own	ADJ
esutjss-162	43	10	specific	specific	ADJ
esutjss-162	43	11	goals	goal	NOUN
esutjss-162	43	12	,	,	PUNCT
esutjss-162	43	13	the	the	DET
esutjss-162	43	14	main	main	ADJ
esutjss-162	43	15	purpose	purpose	NOUN
esutjss-162	43	16	of	of	ADP
esutjss-162	43	17	any	any	DET
esutjss-162	43	18	digital	digital	ADJ
esutjss-162	43	19	transformation	transformation	NOUN
esutjss-162	43	20	is	be	AUX
esutjss-162	43	21	to	to	PART
esutjss-162	43	22	improve	improve	VERB
esutjss-162	43	23	your	your	PRON
esutjss-162	43	24	current	current	ADJ
esutjss-162	43	25	processes	process	NOUN
esutjss-162	43	26	.	.	PUNCT
esutjss-162	44	1	digital	digital	ADJ
esutjss-162	44	2	transformation	transformation	NOUN
esutjss-162	44	3	is	be	AUX
esutjss-162	44	4	important	important	ADJ
esutjss-162	44	5	because	because	SCONJ
esutjss-162	44	6	companies	company	NOUN
esutjss-162	44	7	must	must	AUX
esutjss-162	44	8	evolve	evolve	VERB
esutjss-162	44	9	to	to	PART
esutjss-162	44	10	remain	remain	VERB
esutjss-162	44	11	competitive	competitive	ADJ
esutjss-162	44	12	in	in	ADP
esutjss-162	44	13	their	their	PRON
esutjss-162	44	14	industry	industry	NOUN
esutjss-162	44	15	(	(	PUNCT
esutjss-162	44	16	vial	vial	ADJ
esutjss-162	44	17	,	,	PUNCT
esutjss-162	44	18	2019	2019	NUM
esutjss-162	44	19	)	)	PUNCT
esutjss-162	44	20	.	.	PUNCT
esutjss-162	45	1	digital	digital	ADJ
esutjss-162	45	2	transformation	transformation	NOUN
esutjss-162	45	3	is	be	AUX
esutjss-162	45	4	not	not	PART
esutjss-162	45	5	just	just	ADV
esutjss-162	45	6	about	about	ADP
esutjss-162	45	7	disruption	disruption	NOUN
esutjss-162	45	8	or	or	CCONJ
esutjss-162	45	9	technology	technology	NOUN
esutjss-162	45	10	.	.	PUNCT
esutjss-162	46	1	it	it	PRON
esutjss-162	46	2	’s	’	VERB
esutjss-162	46	3	about	about	ADP
esutjss-162	46	4	value	value	NOUN
esutjss-162	46	5	,	,	PUNCT
esutjss-162	46	6	people	people	NOUN
esutjss-162	46	7	,	,	PUNCT
esutjss-162	46	8	optimization	optimization	NOUN
esutjss-162	46	9	,	,	PUNCT
esutjss-162	46	10	and	and	CCONJ
esutjss-162	46	11	the	the	DET
esutjss-162	46	12	capability	capability	NOUN
esutjss-162	46	13	to	to	PART
esutjss-162	46	14	rapidly	rapidly	ADV
esutjss-162	46	15	adapt	adapt	VERB
esutjss-162	46	16	when	when	SCONJ
esutjss-162	46	17	such	such	ADJ
esutjss-162	46	18	is	be	AUX
esutjss-162	46	19	needed	need	VERB
esutjss-162	46	20	through	through	ADP
esutjss-162	46	21	an	an	DET
esutjss-162	46	22	intelligent	intelligent	ADJ
esutjss-162	46	23	use	use	NOUN
esutjss-162	46	24	of	of	ADP
esutjss-162	46	25	technologies	technology	NOUN
esutjss-162	46	26	and	and	CCONJ
esutjss-162	46	27	information	information	NOUN
esutjss-162	46	28	.	.	PUNCT
esutjss-162	47	1	digital	digital	ADJ
esutjss-162	47	2	transformation	transformation	NOUN
esutjss-162	47	3	is	be	AUX
esutjss-162	47	4	the	the	DET
esutjss-162	47	5	profound	profound	ADJ
esutjss-162	47	6	transformation	transformation	NOUN
esutjss-162	47	7	of	of	ADP
esutjss-162	47	8	business	business	NOUN
esutjss-162	47	9	and	and	CCONJ
esutjss-162	47	10	organizational	organizational	ADJ
esutjss-162	47	11	activities	activity	NOUN
esutjss-162	47	12	,	,	PUNCT
esutjss-162	47	13	processes	process	NOUN
esutjss-162	47	14	,	,	PUNCT
esutjss-162	47	15	competencies	competency	NOUN
esutjss-162	47	16	,	,	PUNCT
esutjss-162	47	17	and	and	CCONJ
esutjss-162	47	18	models	model	NOUN
esutjss-162	47	19	to	to	PART
esutjss-162	47	20	fully	fully	ADV
esutjss-162	47	21	leverage	leverage	VERB
esutjss-162	47	22	the	the	DET
esutjss-162	47	23	changes	change	NOUN
esutjss-162	47	24	and	and	CCONJ
esutjss-162	47	25	opportunities	opportunity	NOUN
esutjss-162	47	26	of	of	ADP
esutjss-162	47	27	a	a	DET
esutjss-162	47	28	mix	mix	NOUN
esutjss-162	47	29	of	of	ADP
esutjss-162	47	30	digital	digital	ADJ
esutjss-162	47	31	technologies	technology	NOUN
esutjss-162	47	32	and	and	CCONJ
esutjss-162	47	33	their	their	PRON
esutjss-162	47	34	accelerating	accelerate	VERB
esutjss-162	47	35	impact	impact	NOUN
esutjss-162	47	36	across	across	ADP
esutjss-162	47	37	society	society	NOUN
esutjss-162	47	38	in	in	ADP
esutjss-162	47	39	a	a	DET
esutjss-162	47	40	strategic	strategic	ADJ
esutjss-162	47	41	and	and	CCONJ
esutjss-162	47	42	prioritized	prioritize	VERB
esutjss-162	47	43	way	way	NOUN
esutjss-162	47	44	,	,	PUNCT
esutjss-162	47	45	with	with	ADP
esutjss-162	47	46	present	present	ADJ
esutjss-162	47	47	and	and	CCONJ
esutjss-162	47	48	future	future	ADJ
esutjss-162	47	49	shifts	shift	NOUN
esutjss-162	47	50	in	in	ADP
esutjss-162	47	51	mind	mind	NOUN
esutjss-162	47	52	.	.	PUNCT
esutjss-162	48	1	(	(	PUNCT
esutjss-162	48	2	garzoni	garzoni	NOUN
esutjss-162	48	3	et	et	PROPN
esutjss-162	48	4	al	al	PROPN
esutjss-162	48	5	.	.	PROPN
esutjss-162	48	6	,	,	PUNCT
esutjss-162	48	7	2020	2020	NUM
esutjss-162	48	8	)	)	PUNCT
esutjss-162	48	9	.	.	PUNCT
esutjss-162	49	1	therefore	therefore	ADV
esutjss-162	49	2	,	,	PUNCT
esutjss-162	49	3	firms	firm	NOUN
esutjss-162	49	4	across	across	ADP
esutjss-162	49	5	practically	practically	ADV
esutjss-162	49	6	all	all	DET
esutjss-162	49	7	industries	industry	NOUN
esutjss-162	49	8	have	have	AUX
esutjss-162	49	9	undertaken	undertake	VERB
esutjss-162	49	10	a	a	DET
esutjss-162	49	11	variety	variety	NOUN
esutjss-162	49	12	of	of	ADP
esutjss-162	49	13	projects	project	NOUN
esutjss-162	49	14	in	in	ADP
esutjss-162	49	15	recent	recent	ADJ
esutjss-162	49	16	years	year	NOUN
esutjss-162	49	17	to	to	PART
esutjss-162	49	18	investigate	investigate	VERB
esutjss-162	49	19	new	new	ADJ
esutjss-162	49	20	digital	digital	ADJ
esutjss-162	49	21	technologies	technology	NOUN
esutjss-162	49	22	and	and	CCONJ
esutjss-162	49	23	capitalize	capitalize	VERB
esutjss-162	49	24	on	on	ADP
esutjss-162	49	25	their	their	PRON
esutjss-162	49	26	benefits	benefit	NOUN
esutjss-162	49	27	.	.	PUNCT
esutjss-162	50	1	this	this	PRON
esutjss-162	50	2	typically	typically	ADV
esutjss-162	50	3	entails	entail	VERB
esutjss-162	50	4	changes	change	NOUN
esutjss-162	50	5	to	to	ADP
esutjss-162	50	6	essential	essential	ADJ
esutjss-162	50	7	company	company	NOUN
esutjss-162	50	8	activities	activity	NOUN
esutjss-162	50	9	and	and	CCONJ
esutjss-162	50	10	has	have	VERB
esutjss-162	50	11	an	an	DET
esutjss-162	50	12	impact	impact	NOUN
esutjss-162	50	13	on	on	ADP
esutjss-162	50	14	goods	good	NOUN
esutjss-162	50	15	,	,	PUNCT
esutjss-162	50	16	processes	process	NOUN
esutjss-162	50	17	,	,	PUNCT
esutjss-162	50	18	organizational	organizational	ADJ
esutjss-162	50	19	structures	structure	NOUN
esutjss-162	50	20	,	,	PUNCT
esutjss-162	50	21	and	and	CCONJ
esutjss-162	50	22	management	management	NOUN
esutjss-162	50	23	philosophies	philosophy	NOUN
esutjss-162	50	24	.	.	PUNCT
esutjss-162	51	1	to	to	PART
esutjss-162	51	2	manage	manage	VERB
esutjss-162	51	3	these	these	DET
esutjss-162	51	4	complicated	complicated	ADJ
esutjss-162	51	5	shifts	shift	NOUN
esutjss-162	51	6	,	,	PUNCT
esutjss-162	51	7	businesses	business	NOUN
esutjss-162	51	8	must	must	AUX
esutjss-162	51	9	adopt	adopt	VERB
esutjss-162	51	10	management	management	NOUN
esutjss-162	51	11	practices	practice	NOUN
esutjss-162	51	12	.	.	PUNCT
esutjss-162	52	1	formulating	formulate	VERB
esutjss-162	52	2	a	a	DET
esutjss-162	52	3	digital	digital	ADJ
esutjss-162	52	4	transformation	transformation	NOUN
esutjss-162	52	5	strategy	strategy	NOUN
esutjss-162	52	6	,	,	PUNCT
esutjss-162	52	7	which	which	PRON
esutjss-162	52	8	acts	act	VERB
esutjss-162	52	9	as	as	ADP
esutjss-162	52	10	a	a	DET
esutjss-162	52	11	primary	primary	ADJ
esutjss-162	52	12	idea	idea	NOUN
esutjss-162	52	13	for	for	ADP
esutjss-162	52	14	integrating	integrate	VERB
esutjss-162	52	15	the	the	DET
esutjss-162	52	16	complete	complete	ADJ
esutjss-162	52	17	coordination	coordination	NOUN
esutjss-162	52	18	,	,	PUNCT
esutjss-162	52	19	prioritizing	prioritize	VERB
esutjss-162	52	20	,	,	PUNCT
esutjss-162	52	21	and	and	CCONJ
esutjss-162	52	22	implementation	implementation	NOUN
esutjss-162	52	23	of	of	ADP
esutjss-162	52	24	digital	digital	ADJ
esutjss-162	52	25	changes	change	NOUN
esutjss-162	52	26	inside	inside	ADP
esutjss-162	52	27	a	a	DET
esutjss-162	52	28	company	company	NOUN
esutjss-162	52	29	,	,	PUNCT
esutjss-162	52	30	is	be	AUX
esutjss-162	52	31	an	an	DET
esutjss-162	52	32	essential	essential	ADJ
esutjss-162	52	33	technique	technique	NOUN
esutjss-162	52	34	.	.	PUNCT
esutjss-162	53	1	artificial	artificial	ADJ
esutjss-162	53	2	intelligence	intelligence	NOUN
esutjss-162	53	3	is	be	AUX
esutjss-162	53	4	a	a	DET
esutjss-162	53	5	typical	typical	ADJ
esutjss-162	53	6	example	example	NOUN
esutjss-162	53	7	of	of	ADP
esutjss-162	53	8	digital	digital	ADJ
esutjss-162	53	9	transformation	transformation	NOUN
esutjss-162	53	10	.	.	PUNCT
esutjss-162	54	1	according	accord	VERB
esutjss-162	54	2	to	to	ADP
esutjss-162	54	3	alli	alli	PROPN
esutjss-162	54	4	,	,	PUNCT
esutjss-162	54	5	ganiyu	ganiyu	PROPN
esutjss-162	54	6	&	&	CCONJ
esutjss-162	54	7	aina	aina	PROPN
esutjss-162	54	8	(	(	PUNCT
esutjss-162	54	9	2021	2021	NUM
esutjss-162	54	10	)	)	PUNCT
esutjss-162	54	11	,	,	PUNCT
esutjss-162	54	12	artificial	artificial	ADJ
esutjss-162	54	13	intelligence	intelligence	NOUN
esutjss-162	54	14	(	(	PUNCT
esutjss-162	54	15	ai	ai	PROPN
esutjss-162	54	16	)	)	PUNCT
esutjss-162	54	17	refers	refer	VERB
esutjss-162	54	18	to	to	ADP
esutjss-162	54	19	the	the	DET
esutjss-162	54	20	intelligence	intelligence	NOUN
esutjss-162	54	21	which	which	PRON
esutjss-162	54	22	is	be	AUX
esutjss-162	54	23	exhibited	exhibit	VERB
esutjss-162	54	24	by	by	ADP
esutjss-162	54	25	machines	machine	NOUN
esutjss-162	54	26	or	or	CCONJ
esutjss-162	54	27	the	the	DET
esutjss-162	54	28	similar	similar	ADJ
esutjss-162	54	29	software	software	NOUN
esutjss-162	54	30	.	.	PUNCT
esutjss-162	55	1	it	it	PRON
esutjss-162	55	2	is	be	AUX
esutjss-162	55	3	also	also	ADV
esutjss-162	55	4	the	the	DET
esutjss-162	55	5	name	name	NOUN
esutjss-162	55	6	of	of	ADP
esutjss-162	55	7	an	an	DET
esutjss-162	55	8	academic	academic	ADJ
esutjss-162	55	9	field	field	NOUN
esutjss-162	55	10	that	that	PRON
esutjss-162	55	11	studies	study	VERB
esutjss-162	55	12	how	how	SCONJ
esutjss-162	55	13	to	to	PART
esutjss-162	55	14	create	create	VERB
esutjss-162	55	15	computer	computer	NOUN
esutjss-162	55	16	systems	system	NOUN
esutjss-162	55	17	and	and	CCONJ
esutjss-162	55	18	computer	computer	NOUN
esutjss-162	55	19	software	software	NOUN
esutjss-162	55	20	which	which	PRON
esutjss-162	55	21	are	be	AUX
esutjss-162	55	22	capable	capable	ADJ
esutjss-162	55	23	of	of	ADP
esutjss-162	55	24	demonstrating	demonstrate	VERB
esutjss-162	55	25	the	the	DET
esutjss-162	55	26	intelligent	intelligent	ADJ
esutjss-162	55	27	behaviour	behaviour	NOUN
esutjss-162	55	28	.	.	PUNCT
esutjss-162	56	1	major	major	ADJ
esutjss-162	56	2	artificial	artificial	ADJ
esutjss-162	56	3	intelligence	intelligence	NOUN
esutjss-162	56	4	researchers	researcher	NOUN
esutjss-162	56	5	have	have	AUX
esutjss-162	56	6	defined	define	VERB
esutjss-162	56	7	the	the	DET
esutjss-162	56	8	ai	ai	NOUN
esutjss-162	56	9	as	as	ADP
esutjss-162	56	10	"	"	PUNCT
esutjss-162	56	11	the	the	DET
esutjss-162	56	12	study	study	NOUN
esutjss-162	56	13	and	and	CCONJ
esutjss-162	56	14	design	design	NOUN
esutjss-162	56	15	of	of	ADP
esutjss-162	56	16	the	the	DET
esutjss-162	56	17	intelligent	intelligent	ADJ
esutjss-162	56	18	agents	agent	NOUN
esutjss-162	56	19	"	"	PUNCT
esutjss-162	56	20	in	in	ADP
esutjss-162	56	21	which	which	PRON
esutjss-162	56	22	“	"	PUNCT
esutjss-162	56	23	the	the	DET
esutjss-162	56	24	intelligent	intelligent	ADJ
esutjss-162	56	25	agents	agent	NOUN
esutjss-162	56	26	”	"	PUNCT
esutjss-162	56	27	is	be	AUX
esutjss-162	56	28	a	a	DET
esutjss-162	56	29	system	system	NOUN
esutjss-162	56	30	which	which	PRON
esutjss-162	56	31	is	be	AUX
esutjss-162	56	32	involved	involve	VERB
esutjss-162	56	33	in	in	ADP
esutjss-162	56	34	perceiving	perceive	VERB
esutjss-162	56	35	of	of	ADP
esutjss-162	56	36	its	its	PRON
esutjss-162	56	37	environment	environment	NOUN
esutjss-162	56	38	and	and	CCONJ
esutjss-162	56	39	taking	taking	NOUN
esutjss-162	56	40	of	of	ADP
esutjss-162	56	41	the	the	DET
esutjss-162	56	42	actions	action	NOUN
esutjss-162	56	43	which	which	PRON
esutjss-162	56	44	maximize	maximize	VERB
esutjss-162	56	45	its	its	PRON
esutjss-162	56	46	chances	chance	NOUN
esutjss-162	56	47	of	of	ADP
esutjss-162	56	48	success	success	NOUN
esutjss-162	56	49	.	.	PUNCT
esutjss-162	57	1	it	it	PRON
esutjss-162	57	2	can	can	AUX
esutjss-162	57	3	also	also	ADV
esutjss-162	57	4	be	be	AUX
esutjss-162	57	5	defined	define	VERB
esutjss-162	57	6	as	as	ADP
esutjss-162	57	7	"	"	PUNCT
esutjss-162	57	8	the	the	DET
esutjss-162	57	9	engineering	engineering	NOUN
esutjss-162	57	10	and	and	CCONJ
esutjss-162	57	11	science	science	NOUN
esutjss-162	57	12	of	of	ADP
esutjss-162	57	13	making	make	VERB
esutjss-162	57	14	the	the	DET
esutjss-162	57	15	intelligent	intelligent	ADJ
esutjss-162	57	16	machines	machine	NOUN
esutjss-162	57	17	"	"	PUNCT
esutjss-162	57	18	(	(	PUNCT
esutjss-162	57	19	alli	alli	PROPN
esutjss-162	57	20	,	,	PUNCT
esutjss-162	57	21	aina	aina	PROPN
esutjss-162	57	22	and	and	CCONJ
esutjss-162	57	23	ganiyu	ganiyu	NOUN
esutjss-162	57	24	,	,	PUNCT
esutjss-162	57	25	2020	2020	NUM
esutjss-162	57	26	)	)	PUNCT
esutjss-162	57	27	.	.	PUNCT
esutjss-162	58	1	88	88	NUM
esutjss-162	58	2	concept	concept	NOUN
esutjss-162	58	3	of	of	ADP
esutjss-162	58	4	sustainable	sustainable	ADJ
esutjss-162	58	5	insurance	insurance	NOUN
esutjss-162	58	6	business	business	NOUN
esutjss-162	58	7	sustainability	sustainability	NOUN
esutjss-162	58	8	issues	issue	NOUN
esutjss-162	58	9	have	have	VERB
esutjss-162	58	10	a	a	DET
esutjss-162	58	11	significant	significant	ADJ
esutjss-162	58	12	impact	impact	NOUN
esutjss-162	58	13	on	on	ADP
esutjss-162	58	14	the	the	DET
esutjss-162	58	15	finance	finance	NOUN
esutjss-162	58	16	function	function	NOUN
esutjss-162	58	17	as	as	ADV
esutjss-162	58	18	well	well	ADV
esutjss-162	58	19	as	as	ADP
esutjss-162	58	20	the	the	DET
esutjss-162	58	21	financial	financial	ADJ
esutjss-162	58	22	sector	sector	NOUN
esutjss-162	58	23	.	.	PUNCT
esutjss-162	59	1	when	when	SCONJ
esutjss-162	59	2	we	we	PRON
esutjss-162	59	3	examine	examine	VERB
esutjss-162	59	4	the	the	DET
esutjss-162	59	5	social	social	ADJ
esutjss-162	59	6	,	,	PUNCT
esutjss-162	59	7	economic	economic	ADJ
esutjss-162	59	8	,	,	PUNCT
esutjss-162	59	9	and	and	CCONJ
esutjss-162	59	10	environmental	environmental	ADJ
esutjss-162	59	11	impact	impact	NOUN
esutjss-162	59	12	of	of	ADP
esutjss-162	59	13	business	business	NOUN
esutjss-162	59	14	,	,	PUNCT
esutjss-162	59	15	every	every	DET
esutjss-162	59	16	part	part	NOUN
esutjss-162	59	17	of	of	ADP
esutjss-162	59	18	finance	finance	NOUN
esutjss-162	59	19	,	,	PUNCT
esutjss-162	59	20	from	from	ADP
esutjss-162	59	21	investments	investment	NOUN
esutjss-162	59	22	to	to	ADP
esutjss-162	59	23	banking	banking	NOUN
esutjss-162	59	24	,	,	PUNCT
esutjss-162	59	25	trade	trade	NOUN
esutjss-162	59	26	to	to	ADP
esutjss-162	59	27	insurance	insurance	NOUN
esutjss-162	59	28	and	and	CCONJ
esutjss-162	59	29	risk	risk	NOUN
esutjss-162	59	30	,	,	PUNCT
esutjss-162	59	31	need	need	VERB
esutjss-162	59	32	fresh	fresh	ADJ
esutjss-162	59	33	thinking	thinking	NOUN
esutjss-162	59	34	.	.	PUNCT
esutjss-162	60	1	insurance	insurance	NOUN
esutjss-162	60	2	businesses	business	NOUN
esutjss-162	60	3	are	be	AUX
esutjss-162	60	4	increasingly	increasingly	ADV
esutjss-162	60	5	being	be	AUX
esutjss-162	60	6	asked	ask	VERB
esutjss-162	60	7	to	to	PART
esutjss-162	60	8	solve	solve	VERB
esutjss-162	60	9	social	social	ADJ
esutjss-162	60	10	,	,	PUNCT
esutjss-162	60	11	environmental	environmental	ADJ
esutjss-162	60	12	,	,	PUNCT
esutjss-162	60	13	and	and	CCONJ
esutjss-162	60	14	economic	economic	ADJ
esutjss-162	60	15	challenges	challenge	NOUN
esutjss-162	60	16	that	that	PRON
esutjss-162	60	17	were	be	AUX
esutjss-162	60	18	once	once	ADV
esutjss-162	60	19	seen	see	VERB
esutjss-162	60	20	to	to	PART
esutjss-162	60	21	be	be	AUX
esutjss-162	60	22	the	the	DET
esutjss-162	60	23	domain	domain	NOUN
esutjss-162	60	24	of	of	ADP
esutjss-162	60	25	governments	government	NOUN
esutjss-162	60	26	and	and	CCONJ
esutjss-162	60	27	charitable	charitable	ADJ
esutjss-162	60	28	groups	group	NOUN
esutjss-162	60	29	(	(	PUNCT
esutjss-162	60	30	such	such	ADJ
esutjss-162	60	31	as	as	ADP
esutjss-162	60	32	heifer	heifer	NOUN
esutjss-162	60	33	international	international	NOUN
esutjss-162	60	34	,	,	PUNCT
esutjss-162	60	35	a	a	DET
esutjss-162	60	36	global	global	ADJ
esutjss-162	60	37	pioneer	pioneer	NOUN
esutjss-162	60	38	in	in	ADP
esutjss-162	60	39	establishing	establish	VERB
esutjss-162	60	40	sustainable	sustainable	ADJ
esutjss-162	60	41	communities	community	NOUN
esutjss-162	60	42	)	)	PUNCT
esutjss-162	60	43	.	.	PUNCT
esutjss-162	61	1	it	it	PRON
esutjss-162	61	2	is	be	AUX
esutjss-162	61	3	critical	critical	ADJ
esutjss-162	61	4	to	to	PART
esutjss-162	61	5	rethink	rethink	VERB
esutjss-162	61	6	the	the	DET
esutjss-162	61	7	business	business	NOUN
esutjss-162	61	8	in	in	ADP
esutjss-162	61	9	terms	term	NOUN
esutjss-162	61	10	of	of	ADP
esutjss-162	61	11	its	its	PRON
esutjss-162	61	12	triple	triple	ADJ
esutjss-162	61	13	bottom	bottom	ADJ
esutjss-162	61	14	line	line	NOUN
esutjss-162	61	15	impact	impact	NOUN
esutjss-162	61	16	and	and	CCONJ
esutjss-162	61	17	performance	performance	NOUN
esutjss-162	61	18	(	(	PUNCT
esutjss-162	61	19	social	social	ADJ
esutjss-162	61	20	,	,	PUNCT
esutjss-162	61	21	environmental	environmental	ADJ
esutjss-162	61	22	,	,	PUNCT
esutjss-162	61	23	and	and	CCONJ
esutjss-162	61	24	economic	economic	ADJ
esutjss-162	61	25	)	)	PUNCT
esutjss-162	61	26	in	in	ADP
esutjss-162	61	27	order	order	NOUN
esutjss-162	61	28	to	to	PART
esutjss-162	61	29	lay	lay	VERB
esutjss-162	61	30	the	the	DET
esutjss-162	61	31	groundwork	groundwork	NOUN
esutjss-162	61	32	for	for	ADP
esutjss-162	61	33	longterm	longterm	ADJ
esutjss-162	61	34	success	success	NOUN
esutjss-162	61	35	.	.	PUNCT
esutjss-162	62	1	this	this	PRON
esutjss-162	62	2	necessitates	necessitate	VERB
esutjss-162	62	3	a	a	DET
esutjss-162	62	4	paradigm	paradigm	NOUN
esutjss-162	62	5	change	change	NOUN
esutjss-162	62	6	away	away	ADV
esutjss-162	62	7	from	from	ADP
esutjss-162	62	8	viewing	view	VERB
esutjss-162	62	9	a	a	DET
esutjss-162	62	10	business	business	NOUN
esutjss-162	62	11	just	just	ADV
esutjss-162	62	12	in	in	ADP
esutjss-162	62	13	terms	term	NOUN
esutjss-162	62	14	of	of	ADP
esutjss-162	62	15	financial	financial	ADJ
esutjss-162	62	16	benefit	benefit	NOUN
esutjss-162	62	17	to	to	ADP
esutjss-162	62	18	shareholders	shareholder	NOUN
esutjss-162	62	19	.	.	PUNCT
esutjss-162	63	1	while	while	SCONJ
esutjss-162	63	2	financial	financial	ADJ
esutjss-162	63	3	profit	profit	NOUN
esutjss-162	63	4	is	be	AUX
esutjss-162	63	5	important	important	ADJ
esutjss-162	63	6	for	for	ADP
esutjss-162	63	7	survival	survival	NOUN
esutjss-162	63	8	,	,	PUNCT
esutjss-162	63	9	a	a	DET
esutjss-162	63	10	sustainable	sustainable	ADJ
esutjss-162	63	11	business	business	NOUN
esutjss-162	63	12	takes	take	VERB
esutjss-162	63	13	a	a	DET
esutjss-162	63	14	more	more	ADV
esutjss-162	63	15	holistic	holistic	ADJ
esutjss-162	63	16	approach	approach	NOUN
esutjss-162	63	17	to	to	ADP
esutjss-162	63	18	the	the	DET
esutjss-162	63	19	business	business	NOUN
esutjss-162	63	20	,	,	PUNCT
esutjss-162	63	21	its	its	PRON
esutjss-162	63	22	obligations	obligation	NOUN
esutjss-162	63	23	,	,	PUNCT
esutjss-162	63	24	and	and	CCONJ
esutjss-162	63	25	its	its	PRON
esutjss-162	63	26	performance	performance	NOUN
esutjss-162	63	27	.	.	PUNCT
esutjss-162	64	1	as	as	ADP
esutjss-162	64	2	a	a	DET
esutjss-162	64	3	result	result	NOUN
esutjss-162	64	4	,	,	PUNCT
esutjss-162	64	5	business	business	NOUN
esutjss-162	64	6	sustainability	sustainability	NOUN
esutjss-162	64	7	is	be	AUX
esutjss-162	64	8	examined	examine	VERB
esutjss-162	64	9	in	in	ADP
esutjss-162	64	10	terms	term	NOUN
esutjss-162	64	11	of	of	ADP
esutjss-162	64	12	three	three	NUM
esutjss-162	64	13	interwoven	interwoven	ADJ
esutjss-162	64	14	dimensions	dimension	NOUN
esutjss-162	64	15	:	:	PUNCT
esutjss-162	64	16	social	social	ADJ
esutjss-162	64	17	,	,	PUNCT
esutjss-162	64	18	environmental	environmental	ADJ
esutjss-162	64	19	,	,	PUNCT
esutjss-162	64	20	and	and	CCONJ
esutjss-162	64	21	economic	economic	ADJ
esutjss-162	64	22	.	.	PUNCT
esutjss-162	65	1	insurance	insurance	NOUN
esutjss-162	65	2	firms	firm	NOUN
esutjss-162	65	3	have	have	VERB
esutjss-162	65	4	a	a	DET
esutjss-162	65	5	critical	critical	ADJ
esutjss-162	65	6	role	role	NOUN
esutjss-162	65	7	in	in	ADP
esutjss-162	65	8	ensuring	ensure	VERB
esutjss-162	65	9	social	social	ADJ
esutjss-162	65	10	,	,	PUNCT
esutjss-162	65	11	economic	economic	ADJ
esutjss-162	65	12	,	,	PUNCT
esutjss-162	65	13	and	and	CCONJ
esutjss-162	65	14	environmental	environmental	ADJ
esutjss-162	65	15	sustainability	sustainability	NOUN
esutjss-162	65	16	.	.	PUNCT
esutjss-162	66	1	in	in	ADP
esutjss-162	66	2	india	india	PROPN
esutjss-162	66	3	,	,	PUNCT
esutjss-162	66	4	swiss	swiss	PROPN
esutjss-162	66	5	re	re	VERB
esutjss-162	66	6	has	have	AUX
esutjss-162	66	7	sold	sell	VERB
esutjss-162	66	8	weather	weather	NOUN
esutjss-162	66	9	-	-	PUNCT
esutjss-162	66	10	risk	risk	NOUN
esutjss-162	66	11	insurance	insurance	NOUN
esutjss-162	66	12	to	to	ADP
esutjss-162	66	13	320,000	320,000	NUM
esutjss-162	66	14	small	small	ADJ
esutjss-162	66	15	farmers	farmer	NOUN
esutjss-162	66	16	.	.	PUNCT
esutjss-162	67	1	willis	willis	PROPN
esutjss-162	67	2	holdings	holdings	PROPN
esutjss-162	67	3	'	'	PART
esutjss-162	67	4	renewable	renewable	ADJ
esutjss-162	67	5	energy	energy	NOUN
esutjss-162	67	6	-	-	PUNCT
esutjss-162	67	7	related	relate	VERB
esutjss-162	67	8	insurance	insurance	NOUN
esutjss-162	67	9	products	product	NOUN
esutjss-162	67	10	cover	cover	VERB
esutjss-162	67	11	possible	possible	ADJ
esutjss-162	67	12	wind	wind	NOUN
esutjss-162	67	13	farm	farm	NOUN
esutjss-162	67	14	power	power	NOUN
esutjss-162	67	15	underproduction	underproduction	PROPN
esutjss-162	67	16	.	.	PUNCT
esutjss-162	68	1	lexington	lexington	PROPN
esutjss-162	68	2	insurance	insurance	PROPN
esutjss-162	68	3	company	company	NOUN
esutjss-162	68	4	's	's	PART
esutjss-162	68	5	new	new	ADJ
esutjss-162	68	6	green	green	ADJ
esutjss-162	68	7	-	-	PUNCT
esutjss-162	68	8	building	building	NOUN
esutjss-162	68	9	coverage	coverage	NOUN
esutjss-162	68	10	will	will	AUX
esutjss-162	68	11	pay	pay	VERB
esutjss-162	68	12	the	the	DET
esutjss-162	68	13	insured	insure	VERB
esutjss-162	68	14	to	to	PART
esutjss-162	68	15	reconstruct	reconstruct	VERB
esutjss-162	68	16	a	a	DET
esutjss-162	68	17	home	home	NOUN
esutjss-162	68	18	using	use	VERB
esutjss-162	68	19	environmentally	environmentally	ADV
esutjss-162	68	20	friendly	friendly	ADJ
esutjss-162	68	21	and	and	CCONJ
esutjss-162	68	22	energy	energy	NOUN
esutjss-162	68	23	-	-	PUNCT
esutjss-162	68	24	efficient	efficient	ADJ
esutjss-162	68	25	materials	material	NOUN
esutjss-162	68	26	after	after	SCONJ
esutjss-162	68	27	it	it	PRON
esutjss-162	68	28	has	have	AUX
esutjss-162	68	29	been	be	AUX
esutjss-162	68	30	damaged	damage	VERB
esutjss-162	68	31	by	by	ADP
esutjss-162	68	32	natural	natural	ADJ
esutjss-162	68	33	calamities	calamity	NOUN
esutjss-162	68	34	(	(	PUNCT
esutjss-162	68	35	tergesen	tergesen	NOUN
esutjss-162	68	36	,	,	PUNCT
esutjss-162	68	37	2008	2008	NUM
esutjss-162	68	38	)	)	PUNCT
esutjss-162	68	39	.	.	PUNCT
esutjss-162	69	1	digitalization	digitalization	NOUN
esutjss-162	69	2	of	of	ADP
esutjss-162	69	3	business	business	NOUN
esutjss-162	69	4	activities	activity	NOUN
esutjss-162	69	5	many	many	ADJ
esutjss-162	69	6	businesses	business	NOUN
esutjss-162	69	7	are	be	AUX
esutjss-162	69	8	concerned	concern	VERB
esutjss-162	69	9	,	,	PUNCT
esutjss-162	69	10	if	if	SCONJ
esutjss-162	69	11	not	not	PART
esutjss-162	69	12	outright	outright	ADV
esutjss-162	69	13	terrified	terrified	ADJ
esutjss-162	69	14	,	,	PUNCT
esutjss-162	69	15	about	about	ADP
esutjss-162	69	16	moving	move	VERB
esutjss-162	69	17	toward	toward	ADP
esutjss-162	69	18	digitalization	digitalization	NOUN
esutjss-162	69	19	because	because	SCONJ
esutjss-162	69	20	it	it	PRON
esutjss-162	69	21	entails	entail	VERB
esutjss-162	69	22	several	several	ADJ
esutjss-162	69	23	dangers	danger	NOUN
esutjss-162	69	24	,	,	PUNCT
esutjss-162	69	25	including	include	VERB
esutjss-162	69	26	significant	significant	ADJ
esutjss-162	69	27	revenue	revenue	NOUN
esutjss-162	69	28	,	,	PUNCT
esutjss-162	69	29	share	share	NOUN
esutjss-162	69	30	,	,	PUNCT
esutjss-162	69	31	capital	capital	NOUN
esutjss-162	69	32	,	,	PUNCT
esutjss-162	69	33	and	and	CCONJ
esutjss-162	69	34	reputation	reputation	NOUN
esutjss-162	69	35	losses	loss	NOUN
esutjss-162	69	36	(	(	PUNCT
esutjss-162	69	37	mazzone	mazzone	NOUN
esutjss-162	69	38	,	,	PUNCT
esutjss-162	69	39	2014	2014	NUM
esutjss-162	69	40	)	)	PUNCT
esutjss-162	69	41	.	.	PUNCT
esutjss-162	70	1	however	however	ADV
esutjss-162	70	2	,	,	PUNCT
esutjss-162	70	3	it	it	PRON
esutjss-162	70	4	's	be	AUX
esutjss-162	70	5	vital	vital	ADJ
esutjss-162	70	6	to	to	PART
esutjss-162	70	7	remember	remember	VERB
esutjss-162	70	8	that	that	SCONJ
esutjss-162	70	9	successful	successful	ADJ
esutjss-162	70	10	digital	digital	ADJ
esutjss-162	70	11	businesses	business	NOUN
esutjss-162	70	12	are	be	AUX
esutjss-162	70	13	n't	not	PART
esutjss-162	70	14	frightened	frighten	VERB
esutjss-162	70	15	of	of	ADP
esutjss-162	70	16	taking	take	VERB
esutjss-162	70	17	chances	chance	NOUN
esutjss-162	70	18	and	and	CCONJ
esutjss-162	70	19	are	be	AUX
esutjss-162	70	20	eager	eager	ADJ
esutjss-162	70	21	to	to	PART
esutjss-162	70	22	do	do	VERB
esutjss-162	70	23	so	so	ADV
esutjss-162	70	24	.	.	PUNCT
esutjss-162	71	1	that	that	PRON
esutjss-162	71	2	is	be	AUX
esutjss-162	71	3	not	not	PART
esutjss-162	71	4	to	to	PART
esutjss-162	71	5	say	say	VERB
esutjss-162	71	6	that	that	SCONJ
esutjss-162	71	7	these	these	DET
esutjss-162	71	8	businesses	business	NOUN
esutjss-162	71	9	plan	plan	VERB
esutjss-162	71	10	ahead	ahead	ADV
esutjss-162	71	11	,	,	PUNCT
esutjss-162	71	12	but	but	CCONJ
esutjss-162	71	13	it	it	PRON
esutjss-162	71	14	does	do	AUX
esutjss-162	71	15	suggest	suggest	VERB
esutjss-162	71	16	that	that	SCONJ
esutjss-162	71	17	they	they	PRON
esutjss-162	71	18	consider	consider	VERB
esutjss-162	71	19	the	the	DET
esutjss-162	71	20	risks	risk	NOUN
esutjss-162	71	21	they	they	PRON
esutjss-162	71	22	are	be	AUX
esutjss-162	71	23	incurring	incur	VERB
esutjss-162	71	24	.	.	PUNCT
esutjss-162	72	1	experiments	experiment	NOUN
esutjss-162	72	2	with	with	ADP
esutjss-162	72	3	new	new	ADJ
esutjss-162	72	4	market	market	NOUN
esutjss-162	72	5	offerings	offering	NOUN
esutjss-162	72	6	,	,	PUNCT
esutjss-162	72	7	propositions	proposition	NOUN
esutjss-162	72	8	,	,	PUNCT
esutjss-162	72	9	or	or	CCONJ
esutjss-162	72	10	new	new	ADJ
esutjss-162	72	11	products	product	NOUN
esutjss-162	72	12	or	or	CCONJ
esutjss-162	72	13	services	service	NOUN
esutjss-162	72	14	are	be	AUX
esutjss-162	72	15	a	a	DET
esutjss-162	72	16	great	great	ADJ
esutjss-162	72	17	method	method	NOUN
esutjss-162	72	18	to	to	PART
esutjss-162	72	19	learn	learn	VERB
esutjss-162	72	20	about	about	ADP
esutjss-162	72	21	the	the	DET
esutjss-162	72	22	market	market	NOUN
esutjss-162	72	23	,	,	PUNCT
esutjss-162	72	24	consumers	consumer	NOUN
esutjss-162	72	25	,	,	PUNCT
esutjss-162	72	26	and	and	CCONJ
esutjss-162	72	27	their	their	PRON
esutjss-162	72	28	reactions	reaction	NOUN
esutjss-162	72	29	and	and	CCONJ
esutjss-162	72	30	preferences	preference	NOUN
esutjss-162	72	31	.	.	PUNCT
esutjss-162	73	1	changes	change	NOUN
esutjss-162	73	2	are	be	AUX
esutjss-162	73	3	dangerous	dangerous	ADJ
esutjss-162	73	4	,	,	PUNCT
esutjss-162	73	5	but	but	CCONJ
esutjss-162	73	6	they	they	PRON
esutjss-162	73	7	are	be	AUX
esutjss-162	73	8	an	an	DET
esutjss-162	73	9	excellent	excellent	ADJ
esutjss-162	73	10	method	method	NOUN
esutjss-162	73	11	to	to	PART
esutjss-162	73	12	understand	understand	VERB
esutjss-162	73	13	what	what	PRON
esutjss-162	73	14	works	work	VERB
esutjss-162	73	15	in	in	ADP
esutjss-162	73	16	the	the	DET
esutjss-162	73	17	marketplace	marketplace	NOUN
esutjss-162	73	18	.	.	PUNCT
esutjss-162	74	1	the	the	DET
esutjss-162	74	2	digital	digital	ADJ
esutjss-162	74	3	organization	organization	NOUN
esutjss-162	74	4	should	should	AUX
esutjss-162	74	5	continue	continue	VERB
esutjss-162	74	6	to	to	PART
esutjss-162	74	7	explore	explore	VERB
esutjss-162	74	8	and	and	CCONJ
esutjss-162	74	9	test	test	VERB
esutjss-162	74	10	in	in	ADP
esutjss-162	74	11	order	order	NOUN
esutjss-162	74	12	to	to	PART
esutjss-162	74	13	establish	establish	VERB
esutjss-162	74	14	a	a	DET
esutjss-162	74	15	strong	strong	ADJ
esutjss-162	74	16	and	and	CCONJ
esutjss-162	74	17	efficient	efficient	ADJ
esutjss-162	74	18	plan	plan	NOUN
esutjss-162	74	19	,	,	PUNCT
esutjss-162	74	20	and	and	CCONJ
esutjss-162	74	21	once	once	SCONJ
esutjss-162	74	22	it	it	PRON
esutjss-162	74	23	does	do	VERB
esutjss-162	74	24	,	,	PUNCT
esutjss-162	74	25	it	it	PRON
esutjss-162	74	26	should	should	AUX
esutjss-162	74	27	put	put	VERB
esutjss-162	74	28	all	all	PRON
esutjss-162	74	29	of	of	ADP
esutjss-162	74	30	its	its	PRON
esutjss-162	74	31	resources	resource	NOUN
esutjss-162	74	32	behind	behind	ADP
esutjss-162	74	33	it	it	PRON
esutjss-162	74	34	in	in	ADP
esutjss-162	74	35	order	order	NOUN
esutjss-162	74	36	to	to	PART
esutjss-162	74	37	support	support	VERB
esutjss-162	74	38	it	it	PRON
esutjss-162	74	39	.	.	PUNCT
esutjss-162	75	1	targeting	target	VERB
esutjss-162	75	2	is	be	AUX
esutjss-162	75	3	a	a	DET
esutjss-162	75	4	good	good	ADJ
esutjss-162	75	5	thing	thing	NOUN
esutjss-162	75	6	,	,	PUNCT
esutjss-162	75	7	albeit	albeit	SCONJ
esutjss-162	75	8	a	a	DET
esutjss-162	75	9	hazardous	hazardous	ADJ
esutjss-162	75	10	one	one	NOUN
esutjss-162	75	11	,	,	PUNCT
esutjss-162	75	12	but	but	CCONJ
esutjss-162	75	13	it	it	PRON
esutjss-162	75	14	is	be	AUX
esutjss-162	75	15	the	the	DET
esutjss-162	75	16	method	method	NOUN
esutjss-162	75	17	used	use	VERB
esutjss-162	75	18	by	by	ADP
esutjss-162	75	19	successful	successful	ADJ
esutjss-162	75	20	digital	digital	ADJ
esutjss-162	75	21	businesses	business	NOUN
esutjss-162	75	22	(	(	PUNCT
esutjss-162	75	23	mazzone	mazzone	NOUN
esutjss-162	75	24	,	,	PUNCT
esutjss-162	75	25	2014	2014	NUM
esutjss-162	75	26	)	)	PUNCT
esutjss-162	75	27	.	.	PUNCT
esutjss-162	76	1	digitalization	digitalization	NOUN
esutjss-162	76	2	has	have	AUX
esutjss-162	76	3	become	become	VERB
esutjss-162	76	4	a	a	DET
esutjss-162	76	5	large	large	ADJ
esutjss-162	76	6	-	-	PUNCT
esutjss-162	76	7	scale	scale	NOUN
esutjss-162	76	8	and	and	CCONJ
esutjss-162	76	9	rapid	rapid	ADJ
esutjss-162	76	10	shift	shift	NOUN
esutjss-162	76	11	across	across	ADP
esutjss-162	76	12	several	several	ADJ
esutjss-162	76	13	elements	element	NOUN
esutjss-162	76	14	of	of	ADP
esutjss-162	76	15	company	company	NOUN
esutjss-162	76	16	,	,	PUNCT
esutjss-162	76	17	providing	provide	VERB
esutjss-162	76	18	both	both	DET
esutjss-162	76	19	vast	vast	ADJ
esutjss-162	76	20	opportunity	opportunity	NOUN
esutjss-162	76	21	for	for	ADP
esutjss-162	76	22	growth	growth	NOUN
esutjss-162	76	23	and	and	CCONJ
esutjss-162	76	24	development	development	NOUN
esutjss-162	76	25	and	and	CCONJ
esutjss-162	76	26	a	a	DET
esutjss-162	76	27	significant	significant	ADJ
esutjss-162	76	28	risk	risk	NOUN
esutjss-162	76	29	.	.	PUNCT
esutjss-162	77	1	"	"	PUNCT
esutjss-162	77	2	the	the	DET
esutjss-162	77	3	role	role	NOUN
esutjss-162	77	4	of	of	ADP
esutjss-162	77	5	digital	digital	ADJ
esutjss-162	77	6	technology	technology	NOUN
esutjss-162	77	7	is	be	AUX
esutjss-162	77	8	fast	fast	ADV
esutjss-162	77	9	transforming	transform	VERB
esutjss-162	77	10	,	,	PUNCT
esutjss-162	77	11	from	from	ADP
esutjss-162	77	12	a	a	DET
esutjss-162	77	13	driver	driver	NOUN
esutjss-162	77	14	of	of	ADP
esutjss-162	77	15	marginal	marginal	ADJ
esutjss-162	77	16	efficiency	efficiency	NOUN
esutjss-162	77	17	to	to	ADP
esutjss-162	77	18	a	a	DET
esutjss-162	77	19	facilitator	facilitator	NOUN
esutjss-162	77	20	of	of	ADP
esutjss-162	77	21	fundamental	fundamental	ADJ
esutjss-162	77	22	innovation	innovation	NOUN
esutjss-162	77	23	and	and	CCONJ
esutjss-162	77	24	disruption	disruption	NOUN
esutjss-162	77	25	,	,	PUNCT
esutjss-162	77	26	"	"	PUNCT
esutjss-162	77	27	business	business	NOUN
esutjss-162	77	28	leaders	leader	NOUN
esutjss-162	77	29	concede	concede	VERB
esutjss-162	77	30	(	(	PUNCT
esutjss-162	77	31	world	world	PROPN
esutjss-162	77	32	economic	economic	PROPN
esutjss-162	77	33	forum	forum	PROPN
esutjss-162	77	34	,	,	PUNCT
esutjss-162	77	35	2016	2016	NUM
esutjss-162	77	36	)	)	PUNCT
esutjss-162	77	37	.	.	PUNCT
esutjss-162	78	1	"	"	PUNCT
esutjss-162	78	2	enterprises	enterprise	NOUN
esutjss-162	78	3	must	must	AUX
esutjss-162	78	4	continually	continually	ADV
esutjss-162	78	5	alter	alter	VERB
esutjss-162	78	6	their	their	PRON
esutjss-162	78	7	services	service	NOUN
esutjss-162	78	8	to	to	PART
esutjss-162	78	9	keep	keep	VERB
esutjss-162	78	10	up	up	ADP
esutjss-162	78	11	with	with	ADP
esutjss-162	78	12	the	the	DET
esutjss-162	78	13	quickly	quickly	ADV
esutjss-162	78	14	increasing	increase	VERB
esutjss-162	78	15	demands	demand	NOUN
esutjss-162	78	16	of	of	ADP
esutjss-162	78	17	digital	digital	ADJ
esutjss-162	78	18	customers	customer	NOUN
esutjss-162	78	19	"	"	PUNCT
esutjss-162	78	20	in	in	ADP
esutjss-162	78	21	such	such	DET
esutjss-162	78	22	a	a	DET
esutjss-162	78	23	swiftly	swiftly	ADV
esutjss-162	78	24	developing	develop	VERB
esutjss-162	78	25	economy	economy	NOUN
esutjss-162	78	26	and	and	CCONJ
esutjss-162	78	27	world	world	NOUN
esutjss-162	78	28	of	of	ADP
esutjss-162	78	29	digital	digital	ADJ
esutjss-162	78	30	technology	technology	NOUN
esutjss-162	78	31	(	(	PUNCT
esutjss-162	78	32	world	world	PROPN
esutjss-162	78	33	economic	economic	PROPN
esutjss-162	78	34	forum	forum	PROPN
esutjss-162	78	35	,	,	PUNCT
esutjss-162	78	36	2018	2018	NUM
esutjss-162	78	37	)	)	PUNCT
esutjss-162	78	38	.	.	PUNCT
esutjss-162	79	1	investing	invest	VERB
esutjss-162	79	2	in	in	ADP
esutjss-162	79	3	the	the	DET
esutjss-162	79	4	newest	new	ADJ
esutjss-162	79	5	digital	digital	ADJ
esutjss-162	79	6	technology	technology	NOUN
esutjss-162	79	7	is	be	AUX
esutjss-162	79	8	not	not	PART
esutjss-162	79	9	enough	enough	ADJ
esutjss-162	79	10	to	to	PART
esutjss-162	79	11	transform	transform	VERB
esutjss-162	79	12	a	a	DET
esutjss-162	79	13	firm	firm	NOUN
esutjss-162	79	14	into	into	ADP
esutjss-162	79	15	a	a	DET
esutjss-162	79	16	digital	digital	ADJ
esutjss-162	79	17	one	one	NUM
esutjss-162	79	18	.	.	PUNCT
esutjss-162	80	1	the	the	DET
esutjss-162	80	2	world	world	PROPN
esutjss-162	80	3	economic	economic	PROPN
esutjss-162	80	4	forum	forum	PROPN
esutjss-162	80	5	(	(	PUNCT
esutjss-162	80	6	2016	2016	NUM
esutjss-162	80	7	)	)	PUNCT
esutjss-162	80	8	and	and	CCONJ
esutjss-162	80	9	world	world	PROPN
esutjss-162	80	10	economic	economic	ADJ
esutjss-162	80	11	forum	forum	PROPN
esutjss-162	80	12	(	(	PUNCT
esutjss-162	80	13	2019	2019	NUM
esutjss-162	80	14	)	)	PUNCT
esutjss-162	80	15	identify	identify	VERB
esutjss-162	80	16	a	a	DET
esutjss-162	80	17	number	number	NOUN
esutjss-162	80	18	of	of	ADP
esutjss-162	80	19	recommendations	recommendation	NOUN
esutjss-162	80	20	for	for	ADP
esutjss-162	80	21	businesses	business	NOUN
esutjss-162	80	22	on	on	ADP
esutjss-162	80	23	the	the	DET
esutjss-162	80	24	digital	digital	ADJ
esutjss-162	80	25	transformation	transformation	NOUN
esutjss-162	80	26	road	road	NOUN
esutjss-162	80	27	.	.	PUNCT
esutjss-162	81	1	businesses	business	NOUN
esutjss-162	81	2	must	must	AUX
esutjss-162	81	3	identify	identify	VERB
esutjss-162	81	4	and	and	CCONJ
esutjss-162	81	5	develop	develop	VERB
esutjss-162	81	6	a	a	DET
esutjss-162	81	7	new	new	ADJ
esutjss-162	81	8	digital	digital	ADJ
esutjss-162	81	9	model	model	NOUN
esutjss-162	81	10	that	that	PRON
esutjss-162	81	11	is	be	AUX
esutjss-162	81	12	tailored	tailor	VERB
esutjss-162	81	13	to	to	ADP
esutjss-162	81	14	the	the	DET
esutjss-162	81	15	company	company	NOUN
esutjss-162	81	16	's	's	PART
esutjss-162	81	17	needs	need	NOUN
esutjss-162	81	18	,	,	PUNCT
esutjss-162	81	19	as	as	ADV
esutjss-162	81	20	well	well	ADV
esutjss-162	81	21	as	as	ADP
esutjss-162	81	22	appropriate	appropriate	ADJ
esutjss-162	81	23	and	and	CCONJ
esutjss-162	81	24	efficient	efficient	ADJ
esutjss-162	81	25	during	during	ADP
esutjss-162	81	26	the	the	DET
esutjss-162	81	27	digital	digital	ADJ
esutjss-162	81	28	transition	transition	NOUN
esutjss-162	81	29	.	.	PUNCT
esutjss-162	82	1	companies	company	NOUN
esutjss-162	82	2	must	must	AUX
esutjss-162	82	3	also	also	ADV
esutjss-162	82	4	re	re	VERB
esutjss-162	82	5	-	-	VERB
esutjss-162	82	6	examine	examine	VERB
esutjss-162	82	7	all	all	DET
esutjss-162	82	8	parts	part	NOUN
esutjss-162	82	9	of	of	ADP
esutjss-162	82	10	their	their	PRON
esutjss-162	82	11	business	business	NOUN
esutjss-162	82	12	.	.	PUNCT
esutjss-162	83	1	the	the	DET
esutjss-162	83	2	digital	digital	ADJ
esutjss-162	83	3	firm	firm	NOUN
esutjss-162	83	4	is	be	AUX
esutjss-162	83	5	one	one	NUM
esutjss-162	83	6	that	that	PRON
esutjss-162	83	7	adds	add	VERB
esutjss-162	83	8	value	value	NOUN
esutjss-162	83	9	to	to	ADP
esutjss-162	83	10	core	core	NOUN
esutjss-162	83	11	companies	company	NOUN
esutjss-162	83	12	,	,	PUNCT
esutjss-162	83	13	which	which	PRON
esutjss-162	83	14	means	mean	VERB
esutjss-162	83	15	that	that	SCONJ
esutjss-162	83	16	executives	executive	NOUN
esutjss-162	83	17	are	be	AUX
esutjss-162	83	18	continuously	continuously	ADV
esutjss-162	83	19	evaluating	evaluate	VERB
esutjss-162	83	20	how	how	SCONJ
esutjss-162	83	21	consumers	consumer	NOUN
esutjss-162	83	22	are	be	AUX
esutjss-162	83	23	treated	treat	VERB
esutjss-162	83	24	and	and	CCONJ
esutjss-162	83	25	considering	consider	VERB
esutjss-162	83	26	ways	way	NOUN
esutjss-162	83	27	to	to	PART
esutjss-162	83	28	enhance	enhance	VERB
esutjss-162	83	29	the	the	DET
esutjss-162	83	30	process	process	NOUN
esutjss-162	83	31	.	.	PUNCT
esutjss-162	84	1	companies	company	NOUN
esutjss-162	84	2	examine	examine	VERB
esutjss-162	84	3	every	every	DET
esutjss-162	84	4	stage	stage	NOUN
esutjss-162	84	5	of	of	ADP
esutjss-162	84	6	their	their	PRON
esutjss-162	84	7	customers	customer	NOUN
esutjss-162	84	8	’	’	PART
esutjss-162	84	9	89	89	NUM
esutjss-162	84	10	“	"	PUNCT
esutjss-162	84	11	journey	journey	NOUN
esutjss-162	84	12	"	"	PUNCT
esutjss-162	84	13	to	to	PART
esutjss-162	84	14	purchase	purchase	VERB
esutjss-162	84	15	goods	good	NOUN
esutjss-162	84	16	or	or	CCONJ
esutjss-162	84	17	get	get	VERB
esutjss-162	84	18	services	service	NOUN
esutjss-162	84	19	,	,	PUNCT
esutjss-162	84	20	and	and	CCONJ
esutjss-162	84	21	ask	ask	VERB
esutjss-162	84	22	themselves	themselves	PRON
esutjss-162	84	23	questions	question	NOUN
esutjss-162	84	24	such	such	ADJ
esutjss-162	84	25	as	as	ADP
esutjss-162	84	26	"	"	PUNCT
esutjss-162	84	27	what	what	PRON
esutjss-162	84	28	can	can	AUX
esutjss-162	84	29	be	be	AUX
esutjss-162	84	30	done	do	VERB
esutjss-162	84	31	to	to	PART
esutjss-162	84	32	optimize	optimize	VERB
esutjss-162	84	33	that	that	DET
esutjss-162	84	34	process	process	NOUN
esutjss-162	84	35	?	?	PUNCT
esutjss-162	84	36	"	"	PUNCT
esutjss-162	85	1	what	what	DET
esutjss-162	85	2	efforts	effort	NOUN
esutjss-162	85	3	should	should	AUX
esutjss-162	85	4	be	be	AUX
esutjss-162	85	5	made	make	VERB
esutjss-162	85	6	to	to	PART
esutjss-162	85	7	make	make	VERB
esutjss-162	85	8	consumers	consumer	NOUN
esutjss-162	85	9	'	'	PART
esutjss-162	85	10	journeys	journey	NOUN
esutjss-162	85	11	quicker	quick	ADJ
esutjss-162	85	12	,	,	PUNCT
esutjss-162	85	13	simpler	simple	ADJ
esutjss-162	85	14	,	,	PUNCT
esutjss-162	85	15	and	and	CCONJ
esutjss-162	85	16	more	more	ADV
esutjss-162	85	17	enjoyable	enjoyable	ADJ
esutjss-162	85	18	?	?	PUNCT
esutjss-162	86	1	let	let	VERB
esutjss-162	86	2	's	us	PRON
esutjss-162	86	3	have	have	VERB
esutjss-162	86	4	a	a	DET
esutjss-162	86	5	look	look	NOUN
esutjss-162	86	6	at	at	ADP
esutjss-162	86	7	a	a	DET
esutjss-162	86	8	basic	basic	ADJ
esutjss-162	86	9	example	example	NOUN
esutjss-162	86	10	.	.	PUNCT
esutjss-162	87	1	let	let	VERB
esutjss-162	87	2	's	us	PRON
esutjss-162	87	3	pretend	pretend	VERB
esutjss-162	87	4	there	there	PRON
esutjss-162	87	5	's	be	VERB
esutjss-162	87	6	an	an	DET
esutjss-162	87	7	internet	internet	NOUN
esutjss-162	87	8	store	store	NOUN
esutjss-162	87	9	that	that	PRON
esutjss-162	87	10	sells	sell	VERB
esutjss-162	87	11	clothing	clothing	NOUN
esutjss-162	87	12	and	and	CCONJ
esutjss-162	87	13	shoes	shoe	NOUN
esutjss-162	87	14	.	.	PUNCT
esutjss-162	88	1	covid-19	covid-19	PROPN
esutjss-162	88	2	influence	influence	NOUN
esutjss-162	88	3	on	on	ADP
esutjss-162	88	4	digital	digital	ADJ
esutjss-162	88	5	transformation	transformation	NOUN
esutjss-162	88	6	strategy	strategy	NOUN
esutjss-162	88	7	prior	prior	ADV
esutjss-162	88	8	to	to	ADP
esutjss-162	88	9	the	the	DET
esutjss-162	88	10	pandemic	pandemic	ADJ
esutjss-162	88	11	,	,	PUNCT
esutjss-162	88	12	technology	technology	NOUN
esutjss-162	88	13	had	have	AUX
esutjss-162	88	14	become	become	VERB
esutjss-162	88	15	an	an	DET
esutjss-162	88	16	increasingly	increasingly	ADV
esutjss-162	88	17	important	important	ADJ
esutjss-162	88	18	part	part	NOUN
esutjss-162	88	19	of	of	ADP
esutjss-162	88	20	the	the	DET
esutjss-162	88	21	workforce	workforce	NOUN
esutjss-162	88	22	.	.	PUNCT
esutjss-162	89	1	businesses	business	NOUN
esutjss-162	89	2	were	be	AUX
esutjss-162	89	3	looking	look	VERB
esutjss-162	89	4	at	at	ADP
esutjss-162	89	5	technology	technology	NOUN
esutjss-162	89	6	as	as	ADP
esutjss-162	89	7	a	a	DET
esutjss-162	89	8	helpful	helpful	ADJ
esutjss-162	89	9	means	mean	NOUN
esutjss-162	89	10	of	of	ADP
esutjss-162	89	11	engaging	engage	VERB
esutjss-162	89	12	with	with	ADP
esutjss-162	89	13	customers	customer	NOUN
esutjss-162	89	14	,	,	PUNCT
esutjss-162	89	15	allowing	allow	VERB
esutjss-162	89	16	some	some	DET
esutjss-162	89	17	workplace	workplace	NOUN
esutjss-162	89	18	flexibility	flexibility	NOUN
esutjss-162	89	19	,	,	PUNCT
esutjss-162	89	20	and	and	CCONJ
esutjss-162	89	21	for	for	ADP
esutjss-162	89	22	a	a	DET
esutjss-162	89	23	way	way	NOUN
esutjss-162	89	24	to	to	PART
esutjss-162	89	25	introduce	introduce	VERB
esutjss-162	89	26	automation	automation	NOUN
esutjss-162	89	27	and	and	CCONJ
esutjss-162	89	28	faster	fast	ADJ
esutjss-162	89	29	processes	process	NOUN
esutjss-162	89	30	(	(	PUNCT
esutjss-162	89	31	ricardo	ricardo	NOUN
esutjss-162	89	32	,	,	PUNCT
esutjss-162	89	33	2021	2021	NUM
esutjss-162	89	34	)	)	PUNCT
esutjss-162	89	35	.	.	PUNCT
esutjss-162	90	1	even	even	ADV
esutjss-162	90	2	before	before	ADP
esutjss-162	90	3	the	the	DET
esutjss-162	90	4	covid-19	covid-19	PROPN
esutjss-162	90	5	social	social	ADJ
esutjss-162	90	6	distancing	distancing	NOUN
esutjss-162	90	7	regulations	regulation	NOUN
esutjss-162	90	8	,	,	PUNCT
esutjss-162	90	9	it	it	PRON
esutjss-162	90	10	was	be	AUX
esutjss-162	90	11	a	a	DET
esutjss-162	90	12	steep	steep	ADJ
esutjss-162	90	13	task	task	NOUN
esutjss-162	90	14	for	for	SCONJ
esutjss-162	90	15	customers	customer	NOUN
esutjss-162	90	16	to	to	PART
esutjss-162	90	17	constantly	constantly	ADV
esutjss-162	90	18	walk	walk	VERB
esutjss-162	90	19	into	into	ADP
esutjss-162	90	20	insurance	insurance	NOUN
esutjss-162	90	21	offices	office	NOUN
esutjss-162	90	22	for	for	ADP
esutjss-162	90	23	services	service	NOUN
esutjss-162	90	24	they	they	PRON
esutjss-162	90	25	could	could	AUX
esutjss-162	90	26	easily	easily	ADV
esutjss-162	90	27	access	access	VERB
esutjss-162	90	28	online	online	ADV
esutjss-162	90	29	if	if	SCONJ
esutjss-162	90	30	the	the	DET
esutjss-162	90	31	proper	proper	ADJ
esutjss-162	90	32	framework	framework	NOUN
esutjss-162	90	33	were	be	AUX
esutjss-162	90	34	in	in	ADP
esutjss-162	90	35	place	place	NOUN
esutjss-162	90	36	.	.	PUNCT
esutjss-162	91	1	at	at	ADP
esutjss-162	91	2	a	a	DET
esutjss-162	91	3	time	time	NOUN
esutjss-162	91	4	when	when	SCONJ
esutjss-162	91	5	customer	customer	NOUN
esutjss-162	91	6	loyalty	loyalty	NOUN
esutjss-162	91	7	is	be	AUX
esutjss-162	91	8	at	at	ADP
esutjss-162	91	9	an	an	DET
esutjss-162	91	10	all	all	DET
esutjss-162	91	11	-	-	PUNCT
esutjss-162	91	12	time	time	NOUN
esutjss-162	91	13	low	low	ADJ
esutjss-162	91	14	and	and	CCONJ
esutjss-162	91	15	competition	competition	NOUN
esutjss-162	91	16	is	be	AUX
esutjss-162	91	17	growing	grow	VERB
esutjss-162	91	18	,	,	PUNCT
esutjss-162	91	19	keeping	keep	VERB
esutjss-162	91	20	customer	customer	NOUN
esutjss-162	91	21	experience	experience	NOUN
esutjss-162	91	22	up	up	ADP
esutjss-162	91	23	should	should	AUX
esutjss-162	91	24	be	be	AUX
esutjss-162	91	25	a	a	DET
esutjss-162	91	26	top	top	ADJ
esutjss-162	91	27	priority	priority	NOUN
esutjss-162	91	28	for	for	ADP
esutjss-162	91	29	insurance	insurance	NOUN
esutjss-162	91	30	companies	company	NOUN
esutjss-162	91	31	looking	look	VERB
esutjss-162	91	32	to	to	PART
esutjss-162	91	33	expand	expand	VERB
esutjss-162	91	34	their	their	PRON
esutjss-162	91	35	portfolio	portfolio	NOUN
esutjss-162	91	36	and	and	CCONJ
esutjss-162	91	37	customer	customer	NOUN
esutjss-162	91	38	base	base	NOUN
esutjss-162	91	39	.	.	PUNCT
esutjss-162	92	1	mckinsey	mckinsey	NOUN
esutjss-162	92	2	(	(	PUNCT
esutjss-162	92	3	2020	2020	NUM
esutjss-162	92	4	)	)	PUNCT
esutjss-162	92	5	,	,	PUNCT
esutjss-162	92	6	estimates	estimate	VERB
esutjss-162	92	7	that	that	SCONJ
esutjss-162	92	8	insurance	insurance	NOUN
esutjss-162	92	9	carriers	carrier	NOUN
esutjss-162	92	10	that	that	PRON
esutjss-162	92	11	have	have	AUX
esutjss-162	92	12	provided	provide	VERB
esutjss-162	92	13	customers	customer	NOUN
esutjss-162	92	14	with	with	ADP
esutjss-162	92	15	the	the	DET
esutjss-162	92	16	best	good	ADJ
esutjss-162	92	17	experience	experience	NOUN
esutjss-162	92	18	have	have	AUX
esutjss-162	92	19	generated	generate	VERB
esutjss-162	92	20	two	two	NUM
esutjss-162	92	21	to	to	PART
esutjss-162	92	22	four	four	NUM
esutjss-162	92	23	more	more	ADJ
esutjss-162	92	24	times	time	NOUN
esutjss-162	92	25	growth	growth	NOUN
esutjss-162	92	26	in	in	ADP
esutjss-162	92	27	new	new	ADJ
esutjss-162	92	28	business	business	NOUN
esutjss-162	92	29	,	,	PUNCT
esutjss-162	92	30	and	and	CCONJ
esutjss-162	92	31	their	their	PRON
esutjss-162	92	32	profitability	profitability	NOUN
esutjss-162	92	33	has	have	AUX
esutjss-162	92	34	grown	grow	VERB
esutjss-162	92	35	by	by	ADP
esutjss-162	92	36	up	up	ADP
esutjss-162	92	37	to	to	PART
esutjss-162	92	38	30	30	NUM
esutjss-162	92	39	%	%	NOUN
esutjss-162	92	40	.	.	PUNCT
esutjss-162	93	1	digital	digital	ADJ
esutjss-162	93	2	transformation	transformation	NOUN
esutjss-162	93	3	in	in	ADP
esutjss-162	93	4	the	the	DET
esutjss-162	93	5	covid-19	covid-19	PROPN
esutjss-162	93	6	period	period	NOUN
esutjss-162	93	7	can	can	AUX
esutjss-162	93	8	help	help	VERB
esutjss-162	93	9	insurers	insurer	NOUN
esutjss-162	93	10	differentiate	differentiate	VERB
esutjss-162	93	11	themselves	themselves	PRON
esutjss-162	93	12	by	by	ADP
esutjss-162	93	13	providing	provide	VERB
esutjss-162	93	14	their	their	PRON
esutjss-162	93	15	customers	customer	NOUN
esutjss-162	93	16	a	a	DET
esutjss-162	93	17	personal	personal	ADJ
esutjss-162	93	18	and	and	CCONJ
esutjss-162	93	19	engaging	engaging	ADJ
esutjss-162	93	20	experience	experience	NOUN
esutjss-162	93	21	.	.	PUNCT
esutjss-162	94	1	the	the	DET
esutjss-162	94	2	use	use	NOUN
esutjss-162	94	3	of	of	ADP
esutjss-162	94	4	emails	email	NOUN
esutjss-162	94	5	,	,	PUNCT
esutjss-162	94	6	online	online	ADJ
esutjss-162	94	7	customer	customer	NOUN
esutjss-162	94	8	platforms	platform	NOUN
esutjss-162	94	9	,	,	PUNCT
esutjss-162	94	10	and	and	CCONJ
esutjss-162	94	11	mobile	mobile	NOUN
esutjss-162	94	12	apps	app	NOUN
esutjss-162	94	13	can	can	AUX
esutjss-162	94	14	help	help	VERB
esutjss-162	94	15	send	send	VERB
esutjss-162	94	16	alerts	alert	NOUN
esutjss-162	94	17	and	and	CCONJ
esutjss-162	94	18	reminders	reminder	NOUN
esutjss-162	94	19	to	to	ADP
esutjss-162	94	20	customers	customer	NOUN
esutjss-162	94	21	regularly	regularly	ADV
esutjss-162	94	22	.	.	PUNCT
esutjss-162	95	1	disseminating	disseminate	VERB
esutjss-162	95	2	information	information	NOUN
esutjss-162	95	3	and	and	CCONJ
esutjss-162	95	4	tips	tip	NOUN
esutjss-162	95	5	on	on	ADP
esutjss-162	95	6	social	social	ADJ
esutjss-162	95	7	media	medium	NOUN
esutjss-162	95	8	platforms	platform	NOUN
esutjss-162	95	9	can	can	AUX
esutjss-162	95	10	also	also	ADV
esutjss-162	95	11	help	help	VERB
esutjss-162	95	12	reach	reach	VERB
esutjss-162	95	13	out	out	ADP
esutjss-162	95	14	to	to	ADP
esutjss-162	95	15	new	new	ADJ
esutjss-162	95	16	customers	customer	NOUN
esutjss-162	95	17	,	,	PUNCT
esutjss-162	95	18	especially	especially	ADV
esutjss-162	95	19	millennial	millennial	ADJ
esutjss-162	95	20	who	who	PRON
esutjss-162	95	21	find	find	VERB
esutjss-162	95	22	such	such	ADJ
esutjss-162	95	23	platforms	platform	NOUN
esutjss-162	95	24	appealing	appeal	VERB
esutjss-162	95	25	and	and	CCONJ
esutjss-162	95	26	spend	spend	VERB
esutjss-162	95	27	a	a	DET
esutjss-162	95	28	lot	lot	NOUN
esutjss-162	95	29	of	of	ADP
esutjss-162	95	30	time	time	NOUN
esutjss-162	95	31	on	on	ADP
esutjss-162	95	32	them	they	PRON
esutjss-162	95	33	.	.	PUNCT
esutjss-162	96	1	eurofound	eurofound	PROPN
esutjss-162	96	2	(	(	PUNCT
esutjss-162	96	3	2021	2021	NUM
esutjss-162	96	4	)	)	PUNCT
esutjss-162	96	5	explained	explain	VERB
esutjss-162	96	6	that	that	SCONJ
esutjss-162	96	7	insurers	insurer	NOUN
esutjss-162	96	8	have	have	VERB
esutjss-162	96	9	an	an	DET
esutjss-162	96	10	affinity	affinity	NOUN
esutjss-162	96	11	for	for	ADP
esutjss-162	96	12	paperwork	paperwork	NOUN
esutjss-162	96	13	,	,	PUNCT
esutjss-162	96	14	while	while	SCONJ
esutjss-162	96	15	this	this	PRON
esutjss-162	96	16	has	have	AUX
esutjss-162	96	17	been	be	AUX
esutjss-162	96	18	a	a	DET
esutjss-162	96	19	core	core	NOUN
esutjss-162	96	20	practice	practice	NOUN
esutjss-162	96	21	in	in	ADP
esutjss-162	96	22	the	the	DET
esutjss-162	96	23	business	business	NOUN
esutjss-162	96	24	for	for	ADP
esutjss-162	96	25	years	year	NOUN
esutjss-162	96	26	,	,	PUNCT
esutjss-162	96	27	it	it	PRON
esutjss-162	96	28	became	become	VERB
esutjss-162	96	29	important	important	ADJ
esutjss-162	96	30	to	to	PART
esutjss-162	96	31	consider	consider	VERB
esutjss-162	96	32	alternative	alternative	ADJ
esutjss-162	96	33	processes	process	NOUN
esutjss-162	96	34	that	that	PRON
esutjss-162	96	35	are	be	AUX
esutjss-162	96	36	faster	fast	ADJ
esutjss-162	96	37	and	and	CCONJ
esutjss-162	96	38	more	more	ADV
esutjss-162	96	39	efficient	efficient	ADJ
esutjss-162	96	40	.	.	PUNCT
esutjss-162	97	1	paperwork	paperwork	NOUN
esutjss-162	97	2	is	be	AUX
esutjss-162	97	3	not	not	PART
esutjss-162	97	4	only	only	ADV
esutjss-162	97	5	a	a	DET
esutjss-162	97	6	pain	pain	NOUN
esutjss-162	97	7	to	to	ADP
esutjss-162	97	8	customers	customer	NOUN
esutjss-162	97	9	but	but	CCONJ
esutjss-162	97	10	also	also	ADV
esutjss-162	97	11	for	for	ADP
esutjss-162	97	12	the	the	DET
esutjss-162	97	13	company	company	NOUN
esutjss-162	97	14	.	.	PUNCT
esutjss-162	98	1	customers	customer	NOUN
esutjss-162	98	2	do	do	AUX
esutjss-162	98	3	n’t	not	PART
esutjss-162	98	4	fancy	fancy	ADJ
esutjss-162	98	5	having	have	VERB
esutjss-162	98	6	to	to	PART
esutjss-162	98	7	provide	provide	VERB
esutjss-162	98	8	their	their	PRON
esutjss-162	98	9	information	information	NOUN
esutjss-162	98	10	every	every	DET
esutjss-162	98	11	time	time	NOUN
esutjss-162	98	12	they	they	PRON
esutjss-162	98	13	are	be	AUX
esutjss-162	98	14	switched	switch	VERB
esutjss-162	98	15	to	to	ADP
esutjss-162	98	16	a	a	DET
esutjss-162	98	17	new	new	ADJ
esutjss-162	98	18	department	department	NOUN
esutjss-162	98	19	.	.	PUNCT
esutjss-162	99	1	this	this	PRON
esutjss-162	99	2	can	can	AUX
esutjss-162	99	3	adversely	adversely	ADV
esutjss-162	99	4	affect	affect	VERB
esutjss-162	99	5	the	the	DET
esutjss-162	99	6	quality	quality	NOUN
esutjss-162	99	7	of	of	ADP
esutjss-162	99	8	service	service	NOUN
esutjss-162	99	9	and	and	CCONJ
esutjss-162	99	10	customer	customer	NOUN
esutjss-162	99	11	experience	experience	NOUN
esutjss-162	99	12	.	.	PUNCT
esutjss-162	100	1	the	the	DET
esutjss-162	100	2	manual	manual	ADJ
esutjss-162	100	3	labour	labour	NOUN
esutjss-162	100	4	required	require	VERB
esutjss-162	100	5	to	to	PART
esutjss-162	100	6	keep	keep	VERB
esutjss-162	100	7	the	the	DET
esutjss-162	100	8	books	book	NOUN
esutjss-162	100	9	and	and	CCONJ
esutjss-162	100	10	sheets	sheet	NOUN
esutjss-162	100	11	up	up	ADP
esutjss-162	100	12	to	to	ADP
esutjss-162	100	13	date	date	NOUN
esutjss-162	100	14	is	be	AUX
esutjss-162	100	15	immense	immense	ADJ
esutjss-162	100	16	.	.	PUNCT
esutjss-162	101	1	it	it	PRON
esutjss-162	101	2	could	could	AUX
esutjss-162	101	3	cost	cost	VERB
esutjss-162	101	4	the	the	DET
esutjss-162	101	5	company	company	NOUN
esutjss-162	101	6	up	up	ADP
esutjss-162	101	7	to	to	PART
esutjss-162	101	8	30	30	NUM
esutjss-162	101	9	%	%	NOUN
esutjss-162	101	10	more	more	ADJ
esutjss-162	101	11	during	during	ADP
esutjss-162	101	12	the	the	DET
esutjss-162	101	13	insurance	insurance	NOUN
esutjss-162	101	14	claim	claim	NOUN
esutjss-162	101	15	journey	journey	NOUN
esutjss-162	101	16	(	(	PUNCT
esutjss-162	101	17	ricardo	ricardo	NOUN
esutjss-162	101	18	,	,	PUNCT
esutjss-162	101	19	2021	2021	NUM
esutjss-162	101	20	;	;	PUNCT
esutjss-162	101	21	eurofound	eurofound	VERB
esutjss-162	101	22	,	,	PUNCT
esutjss-162	101	23	2020a	2020a	NUM
esutjss-162	101	24	;	;	PUNCT
esutjss-162	101	25	eurofound	eurofound	NOUN
esutjss-162	101	26	,	,	PUNCT
esutjss-162	101	27	2020b	2020b	NUM
esutjss-162	101	28	)	)	PUNCT
esutjss-162	101	29	.	.	PUNCT
esutjss-162	102	1	during	during	ADP
esutjss-162	102	2	this	this	DET
esutjss-162	102	3	time	time	NOUN
esutjss-162	102	4	,	,	PUNCT
esutjss-162	102	5	when	when	SCONJ
esutjss-162	102	6	movement	movement	NOUN
esutjss-162	102	7	is	be	AUX
esutjss-162	102	8	restricted	restrict	VERB
esutjss-162	102	9	,	,	PUNCT
esutjss-162	102	10	customers	customer	NOUN
esutjss-162	102	11	ca	can	AUX
esutjss-162	102	12	n’t	not	PART
esutjss-162	102	13	be	be	AUX
esutjss-162	102	14	physically	physically	ADV
esutjss-162	102	15	present	present	ADJ
esutjss-162	102	16	to	to	PART
esutjss-162	102	17	follow	follow	VERB
esutjss-162	102	18	up	up	ADP
esutjss-162	102	19	on	on	ADP
esutjss-162	102	20	their	their	PRON
esutjss-162	102	21	claims	claim	NOUN
esutjss-162	102	22	from	from	ADP
esutjss-162	102	23	one	one	NUM
esutjss-162	102	24	department	department	NOUN
esutjss-162	102	25	to	to	ADP
esutjss-162	102	26	the	the	DET
esutjss-162	102	27	next	next	ADJ
esutjss-162	102	28	.	.	PUNCT
esutjss-162	103	1	with	with	ADP
esutjss-162	103	2	a	a	DET
esutjss-162	103	3	bit	bit	NOUN
esutjss-162	103	4	of	of	ADP
esutjss-162	103	5	help	help	NOUN
esutjss-162	103	6	from	from	ADP
esutjss-162	103	7	digitization	digitization	NOUN
esutjss-162	103	8	,	,	PUNCT
esutjss-162	103	9	customers	customer	NOUN
esutjss-162	103	10	can	can	AUX
esutjss-162	103	11	easily	easily	ADV
esutjss-162	103	12	file	file	VERB
esutjss-162	103	13	their	their	PRON
esutjss-162	103	14	claims	claim	NOUN
esutjss-162	103	15	online	online	ADV
esutjss-162	103	16	and	and	CCONJ
esutjss-162	103	17	follow	follow	VERB
esutjss-162	103	18	up	up	ADP
esutjss-162	103	19	on	on	ADP
esutjss-162	103	20	the	the	DET
esutjss-162	103	21	progress	progress	NOUN
esutjss-162	103	22	using	use	VERB
esutjss-162	103	23	a	a	DET
esutjss-162	103	24	mobile	mobile	ADJ
esutjss-162	103	25	app	app	NOUN
esutjss-162	103	26	or	or	CCONJ
esutjss-162	103	27	website	website	NOUN
esutjss-162	103	28	.	.	PUNCT
esutjss-162	104	1	by	by	ADP
esutjss-162	104	2	digitizing	digitize	VERB
esutjss-162	104	3	records	record	NOUN
esutjss-162	104	4	,	,	PUNCT
esutjss-162	104	5	insurers	insurer	NOUN
esutjss-162	104	6	can	can	AUX
esutjss-162	104	7	save	save	VERB
esutjss-162	104	8	costs	cost	NOUN
esutjss-162	104	9	on	on	ADP
esutjss-162	104	10	labour	labour	NOUN
esutjss-162	104	11	,	,	PUNCT
esutjss-162	104	12	improve	improve	VERB
esutjss-162	104	13	response	response	NOUN
esutjss-162	104	14	times	time	NOUN
esutjss-162	104	15	,	,	PUNCT
esutjss-162	104	16	and	and	CCONJ
esutjss-162	104	17	cut	cut	VERB
esutjss-162	104	18	cycle	cycle	NOUN
esutjss-162	104	19	times	time	NOUN
esutjss-162	104	20	to	to	PART
esutjss-162	104	21	provide	provide	VERB
esutjss-162	104	22	effective	effective	ADJ
esutjss-162	104	23	and	and	CCONJ
esutjss-162	104	24	timely	timely	ADJ
esutjss-162	104	25	services	service	NOUN
esutjss-162	104	26	to	to	ADP
esutjss-162	104	27	their	their	PRON
esutjss-162	104	28	clients	client	NOUN
esutjss-162	104	29	.	.	PUNCT
esutjss-162	105	1	automating	automate	VERB
esutjss-162	105	2	insurance	insurance	NOUN
esutjss-162	105	3	services	service	NOUN
esutjss-162	105	4	like	like	ADP
esutjss-162	105	5	underwriting	underwriting	NOUN
esutjss-162	105	6	,	,	PUNCT
esutjss-162	105	7	bidding	bidding	NOUN
esutjss-162	105	8	,	,	PUNCT
esutjss-162	105	9	quoting	quote	VERB
esutjss-162	105	10	,	,	PUNCT
esutjss-162	105	11	and	and	CCONJ
esutjss-162	105	12	issuing	issue	VERB
esutjss-162	105	13	policies	policy	NOUN
esutjss-162	105	14	is	be	AUX
esutjss-162	105	15	not	not	PART
esutjss-162	105	16	a	a	DET
esutjss-162	105	17	walk	walk	NOUN
esutjss-162	105	18	in	in	ADP
esutjss-162	105	19	the	the	DET
esutjss-162	105	20	park	park	NOUN
esutjss-162	105	21	.	.	PUNCT
esutjss-162	106	1	it	it	PRON
esutjss-162	106	2	’s	’	VERB
esutjss-162	106	3	no	no	DET
esutjss-162	106	4	secret	secret	NOUN
esutjss-162	106	5	that	that	SCONJ
esutjss-162	106	6	most	most	ADJ
esutjss-162	106	7	insurers	insurer	NOUN
esutjss-162	106	8	understand	understand	VERB
esutjss-162	106	9	the	the	DET
esutjss-162	106	10	benefits	benefit	NOUN
esutjss-162	106	11	that	that	PRON
esutjss-162	106	12	come	come	VERB
esutjss-162	106	13	with	with	ADP
esutjss-162	106	14	digitization	digitization	NOUN
esutjss-162	106	15	.	.	PUNCT
esutjss-162	107	1	however	however	ADV
esutjss-162	107	2	,	,	PUNCT
esutjss-162	107	3	every	every	DET
esutjss-162	107	4	stride	stride	NOUN
esutjss-162	107	5	made	make	VERB
esutjss-162	107	6	should	should	AUX
esutjss-162	107	7	not	not	PART
esutjss-162	107	8	infringe	infringe	VERB
esutjss-162	107	9	on	on	ADP
esutjss-162	107	10	any	any	DET
esutjss-162	107	11	regulations	regulation	NOUN
esutjss-162	107	12	,	,	PUNCT
esutjss-162	107	13	rules	rule	NOUN
esutjss-162	107	14	,	,	PUNCT
esutjss-162	107	15	or	or	CCONJ
esutjss-162	107	16	a	a	DET
esutjss-162	107	17	variety	variety	NOUN
esutjss-162	107	18	of	of	ADP
esutjss-162	107	19	other	other	ADJ
esutjss-162	107	20	requirements	requirement	NOUN
esutjss-162	107	21	.	.	PUNCT
esutjss-162	108	1	there	there	PRON
esutjss-162	108	2	are	be	VERB
esutjss-162	108	3	many	many	ADJ
esutjss-162	108	4	reasons	reason	NOUN
esutjss-162	108	5	why	why	SCONJ
esutjss-162	108	6	different	different	ADJ
esutjss-162	108	7	insurers	insurer	NOUN
esutjss-162	108	8	are	be	AUX
esutjss-162	108	9	slow	slow	ADJ
esutjss-162	108	10	to	to	PART
esutjss-162	108	11	take	take	VERB
esutjss-162	108	12	up	up	ADP
esutjss-162	108	13	digitization	digitization	NOUN
esutjss-162	108	14	,	,	PUNCT
esutjss-162	108	15	but	but	CCONJ
esutjss-162	108	16	there	there	PRON
esutjss-162	108	17	are	be	VERB
esutjss-162	108	18	several	several	ADJ
esutjss-162	108	19	main	main	ADJ
esutjss-162	108	20	ones	one	NOUN
esutjss-162	108	21	that	that	PRON
esutjss-162	108	22	make	make	VERB
esutjss-162	108	23	digital	digital	ADJ
esutjss-162	108	24	transformation	transformation	NOUN
esutjss-162	108	25	in	in	ADP
esutjss-162	108	26	the	the	DET
esutjss-162	108	27	insurance	insurance	NOUN
esutjss-162	108	28	industry	industry	NOUN
esutjss-162	108	29	very	very	ADV
esutjss-162	108	30	difficult	difficult	ADJ
esutjss-162	108	31	.	.	PUNCT
esutjss-162	109	1	insurers	insurer	NOUN
esutjss-162	109	2	are	be	AUX
esutjss-162	109	3	good	good	ADJ
esutjss-162	109	4	at	at	ADP
esutjss-162	109	5	collecting	collect	VERB
esutjss-162	109	6	and	and	CCONJ
esutjss-162	109	7	analyzing	analyze	VERB
esutjss-162	109	8	data	datum	NOUN
esutjss-162	109	9	to	to	PART
esutjss-162	109	10	find	find	VERB
esutjss-162	109	11	new	new	ADJ
esutjss-162	109	12	opportunities	opportunity	NOUN
esutjss-162	109	13	and	and	CCONJ
esutjss-162	109	14	gather	gather	VERB
esutjss-162	109	15	customer	customer	NOUN
esutjss-162	109	16	information	information	NOUN
esutjss-162	109	17	.	.	PUNCT
esutjss-162	110	1	using	use	VERB
esutjss-162	110	2	this	this	DET
esutjss-162	110	3	information	information	NOUN
esutjss-162	110	4	,	,	PUNCT
esutjss-162	110	5	insurers	insurer	NOUN
esutjss-162	110	6	can	can	AUX
esutjss-162	110	7	assess	assess	VERB
esutjss-162	110	8	risks	risk	NOUN
esutjss-162	110	9	,	,	PUNCT
esutjss-162	110	10	billing	billing	NOUN
esutjss-162	110	11	,	,	PUNCT
esutjss-162	110	12	claims	claim	NOUN
esutjss-162	110	13	,	,	PUNCT
esutjss-162	110	14	and	and	CCONJ
esutjss-162	110	15	pricing	pricing	NOUN
esutjss-162	110	16	.	.	PUNCT
esutjss-162	111	1	going	go	VERB
esutjss-162	111	2	digital	digital	ADJ
esutjss-162	111	3	during	during	ADP
esutjss-162	111	4	covid-19	covid-19	PROPN
esutjss-162	111	5	means	mean	VERB
esutjss-162	111	6	that	that	SCONJ
esutjss-162	111	7	insurers	insurer	NOUN
esutjss-162	111	8	now	now	ADV
esutjss-162	111	9	have	have	VERB
esutjss-162	111	10	to	to	PART
esutjss-162	111	11	rely	rely	VERB
esutjss-162	111	12	on	on	ADP
esutjss-162	111	13	information	information	NOUN
esutjss-162	111	14	coming	come	VERB
esutjss-162	111	15	from	from	ADP
esutjss-162	111	16	a	a	DET
esutjss-162	111	17	universe	universe	NOUN
esutjss-162	111	18	of	of	ADP
esutjss-162	111	19	data	datum	NOUN
esutjss-162	111	20	from	from	ADP
esutjss-162	111	21	a	a	DET
esutjss-162	111	22	different	different	ADJ
esutjss-162	111	23	volume	volume	NOUN
esutjss-162	111	24	and	and	CCONJ
esutjss-162	111	25	category	category	NOUN
esutjss-162	111	26	.	.	PUNCT
esutjss-162	112	1	dealing	deal	VERB
esutjss-162	112	2	with	with	ADP
esutjss-162	112	3	digital	digital	ADJ
esutjss-162	112	4	information	information	NOUN
esutjss-162	112	5	requires	require	VERB
esutjss-162	112	6	a	a	DET
esutjss-162	112	7	novel	novel	ADJ
esutjss-162	112	8	approach	approach	NOUN
esutjss-162	112	9	far	far	ADV
esutjss-162	112	10	beyond	beyond	ADP
esutjss-162	112	11	the	the	DET
esutjss-162	112	12	culture	culture	NOUN
esutjss-162	112	13	and	and	CCONJ
esutjss-162	112	14	tradition	tradition	NOUN
esutjss-162	112	15	of	of	ADP
esutjss-162	112	16	actuarial	actuarial	ADJ
esutjss-162	112	17	science	science	NOUN
esutjss-162	112	18	.	.	PUNCT
esutjss-162	113	1	to	to	PART
esutjss-162	113	2	make	make	VERB
esutjss-162	113	3	sense	sense	NOUN
esutjss-162	113	4	of	of	ADP
esutjss-162	113	5	the	the	DET
esutjss-162	113	6	data	datum	NOUN
esutjss-162	113	7	the	the	DET
esutjss-162	113	8	industry	industry	NOUN
esutjss-162	113	9	can	can	AUX
esutjss-162	113	10	gather	gather	VERB
esutjss-162	113	11	from	from	ADP
esutjss-162	113	12	digital	digital	ADJ
esutjss-162	113	13	sources	source	NOUN
esutjss-162	113	14	,	,	PUNCT
esutjss-162	113	15	the	the	DET
esutjss-162	113	16	company	company	NOUN
esutjss-162	113	17	would	would	AUX
esutjss-162	113	18	have	have	VERB
esutjss-162	113	19	to	to	PART
esutjss-162	113	20	address	address	VERB
esutjss-162	113	21	the	the	DET
esutjss-162	113	22	data	datum	NOUN
esutjss-162	113	23	in	in	ADP
esutjss-162	113	24	iterations	iteration	NOUN
esutjss-162	113	25	by	by	ADP
esutjss-162	113	26	creating	create	VERB
esutjss-162	113	27	a	a	DET
esutjss-162	113	28	repository	repository	NOUN
esutjss-162	113	29	of	of	ADP
esutjss-162	113	30	internal	internal	ADJ
esutjss-162	113	31	data	datum	NOUN
esutjss-162	113	32	then	then	ADV
esutjss-162	113	33	testing	test	VERB
esutjss-162	113	34	it	it	PRON
esutjss-162	113	35	to	to	PART
esutjss-162	113	36	find	find	VERB
esutjss-162	113	37	ways	way	NOUN
esutjss-162	113	38	to	to	PART
esutjss-162	113	39	benefit	benefit	VERB
esutjss-162	113	40	them	they	PRON
esutjss-162	113	41	.	.	PUNCT
esutjss-162	114	1	most	most	ADJ
esutjss-162	114	2	insurance	insurance	NOUN
esutjss-162	114	3	companies	company	NOUN
esutjss-162	114	4	are	be	AUX
esutjss-162	114	5	not	not	PART
esutjss-162	114	6	ready	ready	ADJ
esutjss-162	114	7	to	to	PART
esutjss-162	114	8	take	take	VERB
esutjss-162	114	9	up	up	ADP
esutjss-162	114	10	the	the	DET
esutjss-162	114	11	90	90	NUM
esutjss-162	114	12	significant	significant	ADJ
esutjss-162	114	13	responsibility	responsibility	NOUN
esutjss-162	114	14	and	and	CCONJ
esutjss-162	114	15	the	the	DET
esutjss-162	114	16	risks	risk	NOUN
esutjss-162	114	17	and	and	CCONJ
esutjss-162	114	18	oversights	oversight	NOUN
esutjss-162	114	19	that	that	PRON
esutjss-162	114	20	might	might	AUX
esutjss-162	114	21	come	come	VERB
esutjss-162	114	22	with	with	ADP
esutjss-162	114	23	new	new	ADJ
esutjss-162	114	24	data	datum	NOUN
esutjss-162	114	25	collection	collection	NOUN
esutjss-162	114	26	methods	method	NOUN
esutjss-162	114	27	.	.	PUNCT
esutjss-162	115	1	the	the	DET
esutjss-162	115	2	covid-19	covid-19	PROPN
esutjss-162	115	3	outbreak	outbreak	NOUN
esutjss-162	115	4	has	have	AUX
esutjss-162	115	5	changed	change	VERB
esutjss-162	115	6	the	the	DET
esutjss-162	115	7	shape	shape	NOUN
esutjss-162	115	8	of	of	ADP
esutjss-162	115	9	the	the	DET
esutjss-162	115	10	economy	economy	NOUN
esutjss-162	115	11	,	,	PUNCT
esutjss-162	115	12	work	work	NOUN
esutjss-162	115	13	and	and	CCONJ
esutjss-162	115	14	societies	society	NOUN
esutjss-162	115	15	all	all	ADV
esutjss-162	115	16	around	around	ADP
esutjss-162	115	17	the	the	DET
esutjss-162	115	18	world	world	NOUN
esutjss-162	115	19	.	.	PUNCT
esutjss-162	116	1	during	during	ADP
esutjss-162	116	2	the	the	DET
esutjss-162	116	3	pandemic	pandemic	NOUN
esutjss-162	116	4	,	,	PUNCT
esutjss-162	116	5	the	the	DET
esutjss-162	116	6	digital	digital	ADJ
esutjss-162	116	7	transformation	transformation	NOUN
esutjss-162	116	8	accelerated	accelerate	VERB
esutjss-162	116	9	overwhelmingly	overwhelmingly	ADV
esutjss-162	116	10	,	,	PUNCT
esutjss-162	116	11	particularly	particularly	ADV
esutjss-162	116	12	with	with	ADP
esutjss-162	116	13	the	the	DET
esutjss-162	116	14	increased	increase	VERB
esutjss-162	116	15	use	use	NOUN
esutjss-162	116	16	of	of	ADP
esutjss-162	116	17	online	online	ADJ
esutjss-162	116	18	services	service	NOUN
esutjss-162	116	19	and	and	CCONJ
esutjss-162	116	20	the	the	DET
esutjss-162	116	21	enormous	enormous	ADJ
esutjss-162	116	22	breadth	breadth	NOUN
esutjss-162	116	23	of	of	ADP
esutjss-162	116	24	users	user	NOUN
esutjss-162	116	25	and	and	CCONJ
esutjss-162	116	26	consumers	consumer	NOUN
esutjss-162	116	27	.	.	PUNCT
esutjss-162	117	1	curfews	curfew	NOUN
esutjss-162	117	2	and	and	CCONJ
esutjss-162	117	3	lockdowns	lockdown	NOUN
esutjss-162	117	4	,	,	PUNCT
esutjss-162	117	5	travel	travel	NOUN
esutjss-162	117	6	constraints	constraint	NOUN
esutjss-162	117	7	,	,	PUNCT
esutjss-162	117	8	restrictions	restriction	NOUN
esutjss-162	117	9	on	on	ADP
esutjss-162	117	10	face	face	NOUN
esutjss-162	117	11	-	-	PUNCT
esutjss-162	117	12	to	to	ADP
esutjss-162	117	13	-	-	PUNCT
esutjss-162	117	14	face	face	NOUN
esutjss-162	117	15	business	business	NOUN
esutjss-162	117	16	operations	operation	NOUN
esutjss-162	117	17	–	–	PUNCT
esutjss-162	117	18	particularly	particularly	ADV
esutjss-162	117	19	affecting	affect	VERB
esutjss-162	117	20	services	service	NOUN
esutjss-162	117	21	,	,	PUNCT
esutjss-162	117	22	transport	transport	NOUN
esutjss-162	117	23	,	,	PUNCT
esutjss-162	117	24	and	and	CCONJ
esutjss-162	117	25	commerce	commerce	NOUN
esutjss-162	117	26	and	and	CCONJ
esutjss-162	117	27	hospitality	hospitality	NOUN
esutjss-162	117	28	–	–	PUNCT
esutjss-162	117	29	and	and	CCONJ
esutjss-162	117	30	remote	remote	ADJ
esutjss-162	117	31	working	working	NOUN
esutjss-162	117	32	have	have	AUX
esutjss-162	117	33	catalysed	catalyse	VERB
esutjss-162	117	34	profound	profound	ADJ
esutjss-162	117	35	changes	change	NOUN
esutjss-162	117	36	,	,	PUNCT
esutjss-162	117	37	pushing	push	VERB
esutjss-162	117	38	companies	company	NOUN
esutjss-162	117	39	to	to	PART
esutjss-162	117	40	explore	explore	VERB
esutjss-162	117	41	digital	digital	ADJ
esutjss-162	117	42	solutions	solution	NOUN
esutjss-162	117	43	to	to	PART
esutjss-162	117	44	keep	keep	VERB
esutjss-162	117	45	their	their	PRON
esutjss-162	117	46	businesses	business	NOUN
esutjss-162	117	47	running	run	VERB
esutjss-162	117	48	.	.	PUNCT
esutjss-162	118	1	the	the	DET
esutjss-162	118	2	pandemic	pandemic	ADJ
esutjss-162	118	3	forced	force	VERB
esutjss-162	118	4	companies	company	NOUN
esutjss-162	118	5	,	,	PUNCT
esutjss-162	118	6	insurance	insurance	NOUN
esutjss-162	118	7	companies	company	NOUN
esutjss-162	118	8	inclusive	inclusive	ADJ
esutjss-162	118	9	,	,	PUNCT
esutjss-162	118	10	to	to	PART
esutjss-162	118	11	move	move	VERB
esutjss-162	118	12	rapidly	rapidly	ADV
esutjss-162	118	13	to	to	PART
esutjss-162	118	14	deploy	deploy	VERB
esutjss-162	118	15	digital	digital	ADJ
esutjss-162	118	16	technologies	technology	NOUN
esutjss-162	118	17	,	,	PUNCT
esutjss-162	118	18	dramatically	dramatically	ADV
esutjss-162	118	19	accelerating	accelerate	VERB
esutjss-162	118	20	trends	trend	NOUN
esutjss-162	118	21	that	that	PRON
esutjss-162	118	22	were	be	AUX
esutjss-162	118	23	unfolding	unfold	VERB
esutjss-162	118	24	at	at	ADP
esutjss-162	118	25	a	a	DET
esutjss-162	118	26	much	much	ADV
esutjss-162	118	27	slower	slow	ADJ
esutjss-162	118	28	pace	pace	NOUN
esutjss-162	118	29	before	before	ADP
esutjss-162	118	30	the	the	DET
esutjss-162	118	31	crisis	crisis	NOUN
esutjss-162	118	32	.	.	PUNCT
esutjss-162	119	1	businesses	business	NOUN
esutjss-162	119	2	abruptly	abruptly	ADV
esutjss-162	119	3	started	start	VERB
esutjss-162	119	4	to	to	PART
esutjss-162	119	5	change	change	VERB
esutjss-162	119	6	or	or	CCONJ
esutjss-162	119	7	speed	speed	VERB
esutjss-162	119	8	up	up	ADP
esutjss-162	119	9	changes	change	NOUN
esutjss-162	119	10	in	in	ADP
esutjss-162	119	11	the	the	DET
esutjss-162	119	12	way	way	NOUN
esutjss-162	119	13	they	they	PRON
esutjss-162	119	14	were	be	AUX
esutjss-162	119	15	engaging	engage	VERB
esutjss-162	119	16	with	with	ADP
esutjss-162	119	17	customers	customer	NOUN
esutjss-162	119	18	and	and	CCONJ
esutjss-162	119	19	with	with	ADP
esutjss-162	119	20	employees	employee	NOUN
esutjss-162	119	21	,	,	PUNCT
esutjss-162	119	22	embracing	embrace	VERB
esutjss-162	119	23	modifications	modification	NOUN
esutjss-162	119	24	to	to	PART
esutjss-162	119	25	work	work	NOUN
esutjss-162	119	26	organisation	organisation	NOUN
esutjss-162	119	27	,	,	PUNCT
esutjss-162	119	28	internal	internal	ADJ
esutjss-162	119	29	communication	communication	NOUN
esutjss-162	119	30	and	and	CCONJ
esutjss-162	119	31	day	day	NOUN
esutjss-162	119	32	-	-	PUNCT
esutjss-162	119	33	to	to	ADP
esutjss-162	119	34	-	-	PUNCT
esutjss-162	119	35	day	day	NOUN
esutjss-162	119	36	operations	operation	NOUN
esutjss-162	119	37	,	,	PUNCT
esutjss-162	119	38	including	include	VERB
esutjss-162	119	39	the	the	DET
esutjss-162	119	40	deployment	deployment	NOUN
esutjss-162	119	41	of	of	ADP
esutjss-162	119	42	automation	automation	NOUN
esutjss-162	119	43	,	,	PUNCT
esutjss-162	119	44	faster	fast	ADJ
esutjss-162	119	45	processes	process	NOUN
esutjss-162	119	46	and	and	CCONJ
esutjss-162	119	47	workplace	workplace	NOUN
esutjss-162	119	48	flexibility	flexibility	NOUN
esutjss-162	119	49	.	.	PUNCT
esutjss-162	120	1	one	one	NUM
esutjss-162	120	2	of	of	ADP
esutjss-162	120	3	the	the	DET
esutjss-162	120	4	most	most	ADV
esutjss-162	120	5	striking	striking	ADJ
esutjss-162	120	6	changes	change	NOUN
esutjss-162	120	7	in	in	ADP
esutjss-162	120	8	this	this	DET
esutjss-162	120	9	shift	shift	NOUN
esutjss-162	120	10	towards	towards	ADP
esutjss-162	120	11	digital	digital	ADJ
esutjss-162	120	12	operations	operation	NOUN
esutjss-162	120	13	has	have	AUX
esutjss-162	120	14	been	be	AUX
esutjss-162	120	15	the	the	DET
esutjss-162	120	16	move	move	NOUN
esutjss-162	120	17	to	to	PART
esutjss-162	120	18	remote	remote	VERB
esutjss-162	120	19	working	work	VERB
esutjss-162	120	20	during	during	ADP
esutjss-162	120	21	the	the	DET
esutjss-162	120	22	first	first	ADJ
esutjss-162	120	23	wave	wave	NOUN
esutjss-162	120	24	of	of	ADP
esutjss-162	120	25	the	the	DET
esutjss-162	120	26	pandemic	pandemic	NOUN
esutjss-162	120	27	in	in	ADP
esutjss-162	120	28	april	april	PROPN
esutjss-162	120	29	2020	2020	NUM
esutjss-162	120	30	,	,	PUNCT
esutjss-162	120	31	in	in	ADP
esutjss-162	120	32	almost	almost	ADV
esutjss-162	120	33	60	60	NUM
esutjss-162	120	34	%	%	NOUN
esutjss-162	120	35	of	of	ADP
esutjss-162	120	36	eu	eu	PROPN
esutjss-162	120	37	companies	company	NOUN
esutjss-162	120	38	at	at	ADP
esutjss-162	120	39	least	least	ADJ
esutjss-162	120	40	some	some	DET
esutjss-162	120	41	employees	employee	NOUN
esutjss-162	120	42	switched	switch	VERB
esutjss-162	120	43	to	to	ADP
esutjss-162	120	44	telework	telework	NOUN
esutjss-162	120	45	(	(	PUNCT
esutjss-162	120	46	eurofound	eurofound	ADJ
esutjss-162	120	47	,	,	PUNCT
esutjss-162	120	48	2021	2021	NUM
esutjss-162	120	49	)	)	PUNCT
esutjss-162	120	50	.	.	PUNCT
esutjss-162	121	1	in	in	ADP
esutjss-162	121	2	2019	2019	NUM
esutjss-162	121	3	(	(	PUNCT
esutjss-162	121	4	pre	pre	ADJ
esutjss-162	121	5	-	-	ADJ
esutjss-162	121	6	pandemic	pandemic	ADJ
esutjss-162	121	7	)	)	PUNCT
esutjss-162	121	8	only	only	ADV
esutjss-162	121	9	one	one	NUM
esutjss-162	121	10	-	-	PUNCT
esutjss-162	121	11	quarter	quarter	NOUN
esutjss-162	121	12	of	of	ADP
esutjss-162	121	13	these	these	DET
esutjss-162	121	14	companies	company	NOUN
esutjss-162	121	15	had	have	VERB
esutjss-162	121	16	employees	employee	NOUN
esutjss-162	121	17	working	work	VERB
esutjss-162	121	18	from	from	ADP
esutjss-162	121	19	home	home	NOUN
esutjss-162	121	20	.	.	PUNCT
esutjss-162	122	1	the	the	DET
esutjss-162	122	2	digitalisation	digitalisation	NOUN
esutjss-162	122	3	of	of	ADP
esutjss-162	122	4	enterprises	enterprise	NOUN
esutjss-162	122	5	and	and	CCONJ
esutjss-162	122	6	the	the	DET
esutjss-162	122	7	use	use	NOUN
esutjss-162	122	8	of	of	ADP
esutjss-162	122	9	digital	digital	ADJ
esutjss-162	122	10	tools	tool	NOUN
esutjss-162	122	11	by	by	ADP
esutjss-162	122	12	employees	employee	NOUN
esutjss-162	122	13	became	become	VERB
esutjss-162	122	14	a	a	DET
esutjss-162	122	15	more	more	ADV
esutjss-162	122	16	dominant	dominant	ADJ
esutjss-162	122	17	topic	topic	NOUN
esutjss-162	122	18	during	during	ADP
esutjss-162	122	19	the	the	DET
esutjss-162	122	20	pandemic	pandemic	NOUN
esutjss-162	122	21	in	in	ADP
esutjss-162	122	22	many	many	ADJ
esutjss-162	122	23	countries	country	NOUN
esutjss-162	122	24	.	.	PUNCT
esutjss-162	123	1	in	in	ADP
esutjss-162	123	2	some	some	PRON
esutjss-162	123	3	,	,	PUNCT
esutjss-162	123	4	the	the	DET
esutjss-162	123	5	degree	degree	NOUN
esutjss-162	123	6	to	to	PART
esutjss-162	123	7	which	which	PRON
esutjss-162	123	8	these	these	DET
esutjss-162	123	9	enterprises	enterprise	NOUN
esutjss-162	123	10	needed	need	VERB
esutjss-162	123	11	public	public	ADJ
esutjss-162	123	12	support	support	NOUN
esutjss-162	123	13	to	to	PART
esutjss-162	123	14	become	become	VERB
esutjss-162	123	15	more	more	ADV
esutjss-162	123	16	digital	digital	ADJ
esutjss-162	123	17	was	be	AUX
esutjss-162	123	18	already	already	ADV
esutjss-162	123	19	a	a	DET
esutjss-162	123	20	discussion	discussion	NOUN
esutjss-162	123	21	point	point	NOUN
esutjss-162	123	22	;	;	PUNCT
esutjss-162	123	23	in	in	ADP
esutjss-162	123	24	others	other	NOUN
esutjss-162	123	25	,	,	PUNCT
esutjss-162	123	26	where	where	SCONJ
esutjss-162	123	27	digitalisation	digitalisation	NOUN
esutjss-162	123	28	had	have	AUX
esutjss-162	123	29	previously	previously	ADV
esutjss-162	123	30	been	be	AUX
esutjss-162	123	31	relatively	relatively	ADV
esutjss-162	123	32	low	low	ADJ
esutjss-162	123	33	on	on	ADP
esutjss-162	123	34	the	the	DET
esutjss-162	123	35	policy	policy	NOUN
esutjss-162	123	36	agenda	agenda	NOUN
esutjss-162	123	37	,	,	PUNCT
esutjss-162	123	38	the	the	DET
esutjss-162	123	39	pandemic	pandemic	NOUN
esutjss-162	123	40	helped	help	VERB
esutjss-162	123	41	bring	bring	VERB
esutjss-162	123	42	this	this	DET
esutjss-162	123	43	topic	topic	NOUN
esutjss-162	123	44	to	to	ADP
esutjss-162	123	45	the	the	DET
esutjss-162	123	46	fore	fore	NOUN
esutjss-162	123	47	.	.	PUNCT
esutjss-162	124	1	the	the	DET
esutjss-162	124	2	degree	degree	NOUN
esutjss-162	124	3	of	of	ADP
esutjss-162	124	4	adoption	adoption	NOUN
esutjss-162	124	5	of	of	ADP
esutjss-162	124	6	digital	digital	ADJ
esutjss-162	124	7	technology	technology	NOUN
esutjss-162	124	8	resulting	result	VERB
esutjss-162	124	9	from	from	ADP
esutjss-162	124	10	covid-19	covid-19	PROPN
esutjss-162	124	11	responses	response	NOUN
esutjss-162	124	12	varies	vary	VERB
esutjss-162	124	13	across	across	ADP
esutjss-162	124	14	sectors	sector	NOUN
esutjss-162	124	15	and	and	CCONJ
esutjss-162	124	16	countries	country	NOUN
esutjss-162	124	17	(	(	PUNCT
esutjss-162	124	18	eurofound	eurofound	ADJ
esutjss-162	124	19	,	,	PUNCT
esutjss-162	124	20	2021	2021	NUM
esutjss-162	124	21	)	)	PUNCT
esutjss-162	124	22	.	.	PUNCT
esutjss-162	125	1	factors	factor	NOUN
esutjss-162	125	2	influencing	influence	VERB
esutjss-162	125	3	adoption	adoption	NOUN
esutjss-162	125	4	depend	depend	VERB
esutjss-162	125	5	on	on	ADP
esutjss-162	125	6	productive	productive	ADJ
esutjss-162	125	7	,	,	PUNCT
esutjss-162	125	8	economic	economic	ADJ
esutjss-162	125	9	and	and	CCONJ
esutjss-162	125	10	market	market	NOUN
esutjss-162	125	11	features	feature	NOUN
esutjss-162	125	12	,	,	PUNCT
esutjss-162	125	13	as	as	ADV
esutjss-162	125	14	well	well	ADV
esutjss-162	125	15	as	as	ADP
esutjss-162	125	16	pre	pre	ADJ
esutjss-162	125	17	-	-	ADJ
esutjss-162	125	18	existing	existing	ADJ
esutjss-162	125	19	levels	level	NOUN
esutjss-162	125	20	of	of	ADP
esutjss-162	125	21	digital	digital	ADJ
esutjss-162	125	22	development	development	NOUN
esutjss-162	125	23	and	and	CCONJ
esutjss-162	125	24	technological	technological	ADJ
esutjss-162	125	25	maturity	maturity	NOUN
esutjss-162	125	26	.	.	PUNCT
esutjss-162	126	1	the	the	DET
esutjss-162	126	2	ability	ability	NOUN
esutjss-162	126	3	to	to	PART
esutjss-162	126	4	innovate	innovate	VERB
esutjss-162	126	5	within	within	ADP
esutjss-162	126	6	digital	digital	ADJ
esutjss-162	126	7	environments	environment	NOUN
esutjss-162	126	8	and	and	CCONJ
esutjss-162	126	9	ecosystems	ecosystem	NOUN
esutjss-162	126	10	,	,	PUNCT
esutjss-162	126	11	leading	lead	VERB
esutjss-162	126	12	to	to	ADP
esutjss-162	126	13	new	new	ADJ
esutjss-162	126	14	services	service	NOUN
esutjss-162	126	15	that	that	PRON
esutjss-162	126	16	reach	reach	VERB
esutjss-162	126	17	or	or	CCONJ
esutjss-162	126	18	create	create	VERB
esutjss-162	126	19	new	new	ADJ
esutjss-162	126	20	markets	market	NOUN
esutjss-162	126	21	,	,	PUNCT
esutjss-162	126	22	has	have	AUX
esutjss-162	126	23	also	also	ADV
esutjss-162	126	24	played	play	VERB
esutjss-162	126	25	an	an	DET
esutjss-162	126	26	important	important	ADJ
esutjss-162	126	27	role	role	NOUN
esutjss-162	126	28	in	in	ADP
esutjss-162	126	29	the	the	DET
esutjss-162	126	30	acceleration	acceleration	NOUN
esutjss-162	126	31	of	of	ADP
esutjss-162	126	32	digitalisation	digitalisation	NOUN
esutjss-162	126	33	in	in	ADP
esutjss-162	126	34	some	some	DET
esutjss-162	126	35	sectors	sector	NOUN
esutjss-162	126	36	.	.	PUNCT
esutjss-162	127	1	despite	despite	SCONJ
esutjss-162	127	2	the	the	DET
esutjss-162	127	3	difficulties	difficulty	NOUN
esutjss-162	127	4	in	in	ADP
esutjss-162	127	5	the	the	DET
esutjss-162	127	6	business	business	NOUN
esutjss-162	127	7	environment	environment	NOUN
esutjss-162	127	8	resulting	result	VERB
esutjss-162	127	9	from	from	ADP
esutjss-162	127	10	the	the	DET
esutjss-162	127	11	pandemic	pandemic	ADJ
esutjss-162	127	12	,	,	PUNCT
esutjss-162	127	13	companies	company	NOUN
esutjss-162	127	14	and	and	CCONJ
esutjss-162	127	15	organisations	organisation	NOUN
esutjss-162	127	16	have	have	AUX
esutjss-162	127	17	adopted	adopt	VERB
esutjss-162	127	18	and	and	CCONJ
esutjss-162	127	19	deployed	deploy	VERB
esutjss-162	127	20	technologies	technology	NOUN
esutjss-162	127	21	that	that	PRON
esutjss-162	127	22	have	have	AUX
esutjss-162	127	23	helped	help	VERB
esutjss-162	127	24	them	they	PRON
esutjss-162	127	25	to	to	PART
esutjss-162	127	26	survive	survive	VERB
esutjss-162	127	27	and	and	CCONJ
esutjss-162	127	28	to	to	PART
esutjss-162	127	29	take	take	VERB
esutjss-162	127	30	advantage	advantage	NOUN
esutjss-162	127	31	of	of	ADP
esutjss-162	127	32	newly	newly	ADV
esutjss-162	127	33	emerging	emerge	VERB
esutjss-162	127	34	markets	market	NOUN
esutjss-162	127	35	.	.	PUNCT
esutjss-162	128	1	the	the	DET
esutjss-162	128	2	adoption	adoption	NOUN
esutjss-162	128	3	of	of	ADP
esutjss-162	128	4	digital	digital	ADJ
esutjss-162	128	5	technologies	technology	NOUN
esutjss-162	128	6	has	have	AUX
esutjss-162	128	7	also	also	ADV
esutjss-162	128	8	been	be	AUX
esutjss-162	128	9	pushed	push	VERB
esutjss-162	128	10	by	by	ADP
esutjss-162	128	11	governments	government	NOUN
esutjss-162	128	12	and	and	CCONJ
esutjss-162	128	13	public	public	ADJ
esutjss-162	128	14	spending	spending	NOUN
esutjss-162	128	15	in	in	ADP
esutjss-162	128	16	health	health	NOUN
esutjss-162	128	17	research	research	NOUN
esutjss-162	128	18	,	,	PUNCT
esutjss-162	128	19	telemedicine	telemedicine	NOUN
esutjss-162	128	20	and	and	CCONJ
esutjss-162	128	21	healthcare	healthcare	NOUN
esutjss-162	128	22	–	–	PUNCT
esutjss-162	128	23	for	for	ADP
esutjss-162	128	24	example	example	NOUN
esutjss-162	128	25	,	,	PUNCT
esutjss-162	128	26	automated	automated	ADJ
esutjss-162	128	27	delivery	delivery	NOUN
esutjss-162	128	28	of	of	ADP
esutjss-162	128	29	medications	medication	NOUN
esutjss-162	128	30	or	or	CCONJ
esutjss-162	128	31	blockchain	blockchain	NOUN
esutjss-162	128	32	-	-	PUNCT
esutjss-162	128	33	based	base	VERB
esutjss-162	128	34	epidemic	epidemic	NOUN
esutjss-162	128	35	monitoring	monitoring	NOUN
esutjss-162	128	36	platforms	platform	NOUN
esutjss-162	128	37	(	(	PUNCT
esutjss-162	128	38	eurofound	eurofound	ADJ
esutjss-162	128	39	,	,	PUNCT
esutjss-162	128	40	2020).in	2020).in	NUM
esutjss-162	128	41	addition	addition	NOUN
esutjss-162	128	42	to	to	ADP
esutjss-162	128	43	these	these	DET
esutjss-162	128	44	examples	example	NOUN
esutjss-162	128	45	,	,	PUNCT
esutjss-162	128	46	the	the	DET
esutjss-162	128	47	covid-19	covid-19	PROPN
esutjss-162	128	48	digital	digital	ADJ
esutjss-162	128	49	responses	response	NOUN
esutjss-162	128	50	cover	cover	VERB
esutjss-162	128	51	a	a	DET
esutjss-162	128	52	wide	wide	ADJ
esutjss-162	128	53	array	array	NOUN
esutjss-162	128	54	of	of	ADP
esutjss-162	128	55	sectors	sector	NOUN
esutjss-162	128	56	such	such	ADJ
esutjss-162	128	57	as	as	ADP
esutjss-162	128	58	robotics	robotic	NOUN
esutjss-162	128	59	and	and	CCONJ
esutjss-162	128	60	3d	3d	NUM
esutjss-162	128	61	printing	printing	NOUN
esutjss-162	128	62	technologies	technology	NOUN
esutjss-162	128	63	in	in	ADP
esutjss-162	128	64	manufacturing	manufacturing	NOUN
esutjss-162	128	65	and	and	CCONJ
esutjss-162	128	66	logistics	logistic	NOUN
esutjss-162	128	67	,	,	PUNCT
esutjss-162	128	68	online	online	ADJ
esutjss-162	128	69	platforms	platform	NOUN
esutjss-162	128	70	in	in	ADP
esutjss-162	128	71	the	the	DET
esutjss-162	128	72	education	education	NOUN
esutjss-162	128	73	sector	sector	NOUN
esutjss-162	128	74	,	,	PUNCT
esutjss-162	128	75	and	and	CCONJ
esutjss-162	128	76	financial	financial	ADJ
esutjss-162	128	77	technology	technology	NOUN
esutjss-162	128	78	(	(	PUNCT
esutjss-162	128	79	fintech	fintech	NOUN
esutjss-162	128	80	)	)	PUNCT
esutjss-162	128	81	and	and	CCONJ
esutjss-162	128	82	the	the	DET
esutjss-162	128	83	expansion	expansion	NOUN
esutjss-162	128	84	of	of	ADP
esutjss-162	128	85	mobile	mobile	ADJ
esutjss-162	128	86	money	money	NOUN
esutjss-162	128	87	(	(	PUNCT
esutjss-162	128	88	aydin	aydin	NOUN
esutjss-162	128	89	,	,	PUNCT
esutjss-162	128	90	demirtas	demirta	NOUN
esutjss-162	128	91	&	&	CCONJ
esutjss-162	128	92	ok	ok	ADJ
esutjss-162	128	93	,	,	PUNCT
esutjss-162	128	94	2021	2021	NUM
esutjss-162	128	95	)	)	PUNCT
esutjss-162	128	96	.	.	PUNCT
esutjss-162	129	1	another	another	DET
esutjss-162	129	2	impact	impact	NOUN
esutjss-162	129	3	of	of	ADP
esutjss-162	129	4	the	the	DET
esutjss-162	129	5	proliferation	proliferation	NOUN
esutjss-162	129	6	of	of	ADP
esutjss-162	129	7	online	online	ADJ
esutjss-162	129	8	business	business	NOUN
esutjss-162	129	9	models	model	NOUN
esutjss-162	129	10	and	and	CCONJ
esutjss-162	129	11	platforms	platform	NOUN
esutjss-162	129	12	relates	relate	VERB
esutjss-162	129	13	to	to	ADP
esutjss-162	129	14	the	the	DET
esutjss-162	129	15	increasing	increase	VERB
esutjss-162	129	16	use	use	NOUN
esutjss-162	129	17	of	of	ADP
esutjss-162	129	18	big	big	ADJ
esutjss-162	129	19	data	datum	NOUN
esutjss-162	129	20	analytics	analytic	NOUN
esutjss-162	129	21	and	and	CCONJ
esutjss-162	129	22	artificial	artificial	ADJ
esutjss-162	129	23	intelligence	intelligence	NOUN
esutjss-162	129	24	(	(	PUNCT
esutjss-162	129	25	ai	ai	NOUN
esutjss-162	129	26	)	)	PUNCT
esutjss-162	129	27	,	,	PUNCT
esutjss-162	129	28	which	which	PRON
esutjss-162	129	29	became	become	VERB
esutjss-162	129	30	essential	essential	ADJ
esutjss-162	129	31	during	during	ADP
esutjss-162	129	32	the	the	DET
esutjss-162	129	33	pandemic	pandemic	ADJ
esutjss-162	129	34	and	and	CCONJ
esutjss-162	129	35	are	be	AUX
esutjss-162	129	36	likely	likely	ADJ
esutjss-162	129	37	to	to	PART
esutjss-162	129	38	be	be	AUX
esutjss-162	129	39	part	part	NOUN
esutjss-162	129	40	of	of	ADP
esutjss-162	129	41	the	the	DET
esutjss-162	129	42	way	way	NOUN
esutjss-162	129	43	forward	forward	ADV
esutjss-162	129	44	in	in	ADP
esutjss-162	129	45	the	the	DET
esutjss-162	129	46	post	post	ADJ
esutjss-162	129	47	-	-	ADJ
esutjss-162	129	48	covid-19	covid-19	ADJ
esutjss-162	129	49	period	period	NOUN
esutjss-162	129	50	.	.	PUNCT
esutjss-162	130	1	however	however	ADV
esutjss-162	130	2	,	,	PUNCT
esutjss-162	130	3	despite	despite	SCONJ
esutjss-162	130	4	the	the	DET
esutjss-162	130	5	wide	wide	ADJ
esutjss-162	130	6	spread	spread	NOUN
esutjss-162	130	7	of	of	ADP
esutjss-162	130	8	successful	successful	ADJ
esutjss-162	130	9	ai	ai	ADJ
esutjss-162	130	10	-	-	PUNCT
esutjss-162	130	11	related	relate	VERB
esutjss-162	130	12	developments	development	NOUN
esutjss-162	130	13	and	and	CCONJ
esutjss-162	130	14	optimistic	optimistic	ADJ
esutjss-162	130	15	publicity	publicity	NOUN
esutjss-162	130	16	,	,	PUNCT
esutjss-162	130	17	other	other	ADJ
esutjss-162	130	18	voices	voice	NOUN
esutjss-162	130	19	claim	claim	VERB
esutjss-162	130	20	that	that	SCONJ
esutjss-162	130	21	ai	ai	VERB
esutjss-162	130	22	technologies	technology	NOUN
esutjss-162	130	23	are	be	AUX
esutjss-162	130	24	still	still	ADV
esutjss-162	130	25	underdeveloped	underdeveloped	ADJ
esutjss-162	130	26	in	in	ADP
esutjss-162	130	27	the	the	DET
esutjss-162	130	28	business	business	NOUN
esutjss-162	130	29	arena	arena	NOUN
esutjss-162	130	30	since	since	SCONJ
esutjss-162	130	31	they	they	PRON
esutjss-162	130	32	require	require	VERB
esutjss-162	130	33	efficient	efficient	ADJ
esutjss-162	130	34	data	datum	NOUN
esutjss-162	130	35	management	management	NOUN
esutjss-162	130	36	processes	process	NOUN
esutjss-162	130	37	that	that	PRON
esutjss-162	130	38	are	be	AUX
esutjss-162	130	39	not	not	PART
esutjss-162	130	40	yet	yet	ADV
esutjss-162	130	41	91	91	NUM
esutjss-162	130	42	running	running	NOUN
esutjss-162	130	43	,	,	PUNCT
esutjss-162	130	44	except	except	SCONJ
esutjss-162	130	45	in	in	ADP
esutjss-162	130	46	big	big	ADJ
esutjss-162	130	47	tech	tech	NOUN
esutjss-162	130	48	and	and	CCONJ
esutjss-162	130	49	other	other	ADJ
esutjss-162	130	50	high	high	ADJ
esutjss-162	130	51	-	-	PUNCT
esutjss-162	130	52	technology	technology	NOUN
esutjss-162	130	53	companies	company	NOUN
esutjss-162	130	54	(	(	PUNCT
esutjss-162	130	55	choong	choong	PROPN
esutjss-162	130	56	,	,	PUNCT
esutjss-162	130	57	tan	tan	PROPN
esutjss-162	130	58	,	,	PUNCT
esutjss-162	130	59	&	&	CCONJ
esutjss-162	130	60	patel	patel	PROPN
esutjss-162	130	61	,	,	PUNCT
esutjss-162	130	62	2020	2020	NUM
esutjss-162	130	63	)	)	PUNCT
esutjss-162	130	64	.	.	PUNCT
esutjss-162	131	1	international	international	ADJ
esutjss-162	131	2	finance	finance	NOUN
esutjss-162	131	3	corporation	corporation	NOUN
esutjss-162	131	4	(	(	PUNCT
esutjss-162	131	5	2020	2020	NUM
esutjss-162	131	6	)	)	PUNCT
esutjss-162	131	7	,	,	PUNCT
esutjss-162	131	8	stated	state	VERB
esutjss-162	131	9	that	that	SCONJ
esutjss-162	131	10	the	the	DET
esutjss-162	131	11	covid-19	covid-19	PROPN
esutjss-162	131	12	pandemic	pandemic	NOUN
esutjss-162	131	13	has	have	AUX
esutjss-162	131	14	also	also	ADV
esutjss-162	131	15	incentivised	incentivise	VERB
esutjss-162	131	16	more	more	ADJ
esutjss-162	131	17	companies	company	NOUN
esutjss-162	131	18	to	to	PART
esutjss-162	131	19	engage	engage	VERB
esutjss-162	131	20	in	in	ADP
esutjss-162	131	21	online	online	ADJ
esutjss-162	131	22	sales	sale	NOUN
esutjss-162	131	23	.	.	PUNCT
esutjss-162	132	1	this	this	PRON
esutjss-162	132	2	requires	require	VERB
esutjss-162	132	3	companies	company	NOUN
esutjss-162	132	4	to	to	PART
esutjss-162	132	5	be	be	AUX
esutjss-162	132	6	able	able	ADJ
esutjss-162	132	7	to	to	PART
esutjss-162	132	8	gather	gather	VERB
esutjss-162	132	9	information	information	NOUN
esutjss-162	132	10	and	and	CCONJ
esutjss-162	132	11	data	datum	NOUN
esutjss-162	132	12	from	from	ADP
esutjss-162	132	13	the	the	DET
esutjss-162	132	14	front	front	ADJ
esutjss-162	132	15	office	office	NOUN
esutjss-162	132	16	and	and	CCONJ
esutjss-162	132	17	sales	sale	NOUN
esutjss-162	132	18	orders	order	NOUN
esutjss-162	132	19	received	receive	VERB
esutjss-162	132	20	,	,	PUNCT
esutjss-162	132	21	among	among	ADP
esutjss-162	132	22	other	other	ADJ
esutjss-162	132	23	sources	source	NOUN
esutjss-162	132	24	,	,	PUNCT
esutjss-162	132	25	using	use	VERB
esutjss-162	132	26	them	they	PRON
esutjss-162	132	27	to	to	PART
esutjss-162	132	28	continuously	continuously	ADV
esutjss-162	132	29	update	update	VERB
esutjss-162	132	30	decision	decision	NOUN
esutjss-162	132	31	-	-	PUNCT
esutjss-162	132	32	making	making	NOUN
esutjss-162	132	33	in	in	ADP
esutjss-162	132	34	the	the	DET
esutjss-162	132	35	whole	whole	ADJ
esutjss-162	132	36	business	business	NOUN
esutjss-162	132	37	cycle	cycle	NOUN
esutjss-162	132	38	,	,	PUNCT
esutjss-162	132	39	from	from	ADP
esutjss-162	132	40	design	design	NOUN
esutjss-162	132	41	to	to	ADP
esutjss-162	132	42	storage	storage	NOUN
esutjss-162	132	43	and	and	CCONJ
esutjss-162	132	44	logistics	logistic	NOUN
esutjss-162	132	45	.	.	PUNCT
esutjss-162	133	1	getting	get	VERB
esutjss-162	133	2	and	and	CCONJ
esutjss-162	133	3	processing	process	VERB
esutjss-162	133	4	high	high	ADJ
esutjss-162	133	5	-	-	PUNCT
esutjss-162	133	6	quality	quality	NOUN
esutjss-162	133	7	data	datum	NOUN
esutjss-162	133	8	has	have	AUX
esutjss-162	133	9	become	become	VERB
esutjss-162	133	10	a	a	DET
esutjss-162	133	11	core	core	NOUN
esutjss-162	133	12	strategy	strategy	NOUN
esutjss-162	133	13	for	for	ADP
esutjss-162	133	14	companies	company	NOUN
esutjss-162	133	15	.	.	PUNCT
esutjss-162	134	1	with	with	ADP
esutjss-162	134	2	partial	partial	ADJ
esutjss-162	134	3	or	or	CCONJ
esutjss-162	134	4	total	total	ADJ
esutjss-162	134	5	lockdowns	lockdown	NOUN
esutjss-162	134	6	,	,	PUNCT
esutjss-162	134	7	the	the	DET
esutjss-162	134	8	education	education	NOUN
esutjss-162	134	9	sector	sector	NOUN
esutjss-162	134	10	–	–	PUNCT
esutjss-162	134	11	from	from	ADP
esutjss-162	134	12	schools	school	NOUN
esutjss-162	134	13	to	to	ADP
esutjss-162	134	14	universities	university	NOUN
esutjss-162	134	15	,	,	PUNCT
esutjss-162	134	16	business	business	NOUN
esutjss-162	134	17	schools	school	NOUN
esutjss-162	134	18	and	and	CCONJ
esutjss-162	134	19	training	training	NOUN
esutjss-162	134	20	centres	centre	NOUN
esutjss-162	134	21	–	–	PUNCT
esutjss-162	134	22	has	have	AUX
esutjss-162	134	23	been	be	AUX
esutjss-162	134	24	profoundly	profoundly	ADV
esutjss-162	134	25	affected	affect	VERB
esutjss-162	134	26	by	by	ADP
esutjss-162	134	27	the	the	DET
esutjss-162	134	28	pandemic	pandemic	NOUN
esutjss-162	134	29	.	.	PUNCT
esutjss-162	135	1	to	to	ADP
esutjss-162	135	2	an	an	DET
esutjss-162	135	3	extent	extent	NOUN
esutjss-162	135	4	depending	depend	VERB
esutjss-162	135	5	on	on	ADP
esutjss-162	135	6	previous	previous	ADJ
esutjss-162	135	7	experience	experience	NOUN
esutjss-162	135	8	of	of	ADP
esutjss-162	135	9	,	,	PUNCT
esutjss-162	135	10	and	and	CCONJ
esutjss-162	135	11	readiness	readiness	NOUN
esutjss-162	135	12	for	for	ADP
esutjss-162	135	13	,	,	PUNCT
esutjss-162	135	14	online	online	ADJ
esutjss-162	135	15	education	education	NOUN
esutjss-162	135	16	and	and	CCONJ
esutjss-162	135	17	training	training	NOUN
esutjss-162	135	18	,	,	PUNCT
esutjss-162	135	19	education	education	NOUN
esutjss-162	135	20	systems	system	NOUN
esutjss-162	135	21	have	have	AUX
esutjss-162	135	22	transformed	transform	VERB
esutjss-162	135	23	traditional	traditional	ADJ
esutjss-162	135	24	teaching	teaching	NOUN
esutjss-162	135	25	methods	method	NOUN
esutjss-162	135	26	and	and	CCONJ
esutjss-162	135	27	face	face	NOUN
esutjss-162	135	28	-	-	PUNCT
esutjss-162	135	29	to	to	ADP
esutjss-162	135	30	-	-	PUNCT
esutjss-162	135	31	face	face	NOUN
esutjss-162	135	32	courses	course	NOUN
esutjss-162	135	33	into	into	ADP
esutjss-162	135	34	online	online	ADJ
esutjss-162	135	35	programmes	programme	NOUN
esutjss-162	135	36	(	(	PUNCT
esutjss-162	135	37	deloitte	deloitte	PROPN
esutjss-162	135	38	,	,	PUNCT
esutjss-162	135	39	2020	2020	NUM
esutjss-162	135	40	)	)	PUNCT
esutjss-162	135	41	.	.	PUNCT
esutjss-162	136	1	online	online	PROPN
esutjss-162	136	2	learning	learn	VERB
esutjss-162	136	3	platforms	platform	NOUN
esutjss-162	136	4	have	have	AUX
esutjss-162	136	5	been	be	AUX
esutjss-162	136	6	disseminated	disseminate	VERB
esutjss-162	136	7	,	,	PUNCT
esutjss-162	136	8	but	but	CCONJ
esutjss-162	136	9	with	with	ADP
esutjss-162	136	10	uneven	uneven	ADJ
esutjss-162	136	11	results	result	NOUN
esutjss-162	136	12	,	,	PUNCT
esutjss-162	136	13	given	give	VERB
esutjss-162	136	14	the	the	DET
esutjss-162	136	15	requirement	requirement	NOUN
esutjss-162	136	16	for	for	ADP
esutjss-162	136	17	internet	internet	NOUN
esutjss-162	136	18	connectivity	connectivity	NOUN
esutjss-162	136	19	(	(	PUNCT
esutjss-162	136	20	the	the	DET
esutjss-162	136	21	5	5	NUM
esutjss-162	136	22	g	g	NOUN
esutjss-162	136	23	network	network	NOUN
esutjss-162	136	24	is	be	AUX
esutjss-162	136	25	not	not	PART
esutjss-162	136	26	yet	yet	ADV
esutjss-162	136	27	fully	fully	ADV
esutjss-162	136	28	fledged	fledge	VERB
esutjss-162	136	29	)	)	PUNCT
esutjss-162	136	30	and	and	CCONJ
esutjss-162	136	31	variations	variation	NOUN
esutjss-162	136	32	in	in	ADP
esutjss-162	136	33	the	the	DET
esutjss-162	136	34	pedagogical	pedagogical	ADJ
esutjss-162	136	35	approaches	approach	NOUN
esutjss-162	136	36	applied	apply	VERB
esutjss-162	136	37	;	;	PUNCT
esutjss-162	136	38	however	however	ADV
esutjss-162	136	39	,	,	PUNCT
esutjss-162	136	40	the	the	DET
esutjss-162	136	41	expansion	expansion	NOUN
esutjss-162	136	42	of	of	ADP
esutjss-162	136	43	the	the	DET
esutjss-162	136	44	use	use	NOUN
esutjss-162	136	45	of	of	ADP
esutjss-162	136	46	mobile	mobile	ADJ
esutjss-162	136	47	devices	device	NOUN
esutjss-162	136	48	that	that	PRON
esutjss-162	136	49	work	work	VERB
esutjss-162	136	50	with	with	ADP
esutjss-162	136	51	these	these	DET
esutjss-162	136	52	online	online	ADJ
esutjss-162	136	53	platforms	platform	NOUN
esutjss-162	136	54	has	have	AUX
esutjss-162	136	55	helped	help	VERB
esutjss-162	136	56	to	to	PART
esutjss-162	136	57	keep	keep	VERB
esutjss-162	136	58	education	education	NOUN
esutjss-162	136	59	going	go	VERB
esutjss-162	136	60	.	.	PUNCT
esutjss-162	137	1	accordingt	accordingt	PROPN
esutjss-162	137	2	to	to	PART
esutjss-162	137	3	(	(	PUNCT
esutjss-162	137	4	eurofound	eurofound	PROPN
esutjss-162	137	5	,	,	PUNCT
esutjss-162	137	6	2020a	2020a	NUM
esutjss-162	137	7	;	;	PUNCT
esutjss-162	137	8	eurofound	eurofound	NOUN
esutjss-162	137	9	,	,	PUNCT
esutjss-162	137	10	2020b	2020b	NUM
esutjss-162	137	11	)	)	PUNCT
esutjss-162	137	12	the	the	DET
esutjss-162	137	13	pandemic	pandemic	NOUN
esutjss-162	137	14	has	have	AUX
esutjss-162	137	15	also	also	ADV
esutjss-162	137	16	accelerated	accelerate	VERB
esutjss-162	137	17	the	the	DET
esutjss-162	137	18	development	development	NOUN
esutjss-162	137	19	of	of	ADP
esutjss-162	137	20	electronic	electronic	ADJ
esutjss-162	137	21	insurance	insurance	NOUN
esutjss-162	137	22	,	,	PUNCT
esutjss-162	137	23	banking	banking	NOUN
esutjss-162	137	24	,	,	PUNCT
esutjss-162	137	25	including	include	VERB
esutjss-162	137	26	online	online	ADJ
esutjss-162	137	27	and	and	CCONJ
esutjss-162	137	28	mobile	mobile	ADJ
esutjss-162	137	29	banking	banking	NOUN
esutjss-162	137	30	.	.	PUNCT
esutjss-162	138	1	contactless	contactless	NOUN
esutjss-162	138	2	payments	payment	NOUN
esutjss-162	138	3	made	make	VERB
esutjss-162	138	4	electronically	electronically	ADV
esutjss-162	138	5	are	be	AUX
esutjss-162	138	6	becoming	become	VERB
esutjss-162	138	7	the	the	DET
esutjss-162	138	8	norm	norm	NOUN
esutjss-162	138	9	,	,	PUNCT
esutjss-162	138	10	supported	support	VERB
esutjss-162	138	11	by	by	ADP
esutjss-162	138	12	powerful	powerful	ADJ
esutjss-162	138	13	online	online	ADJ
esutjss-162	138	14	platforms	platform	NOUN
esutjss-162	138	15	that	that	SCONJ
esutjss-162	138	16	traditional	traditional	ADJ
esutjss-162	138	17	banking	banking	NOUN
esutjss-162	138	18	institutions	institution	NOUN
esutjss-162	138	19	have	have	AUX
esutjss-162	138	20	improved	improve	VERB
esutjss-162	138	21	.	.	PUNCT
esutjss-162	139	1	according	accord	VERB
esutjss-162	139	2	to	to	ADP
esutjss-162	139	3	research	research	NOUN
esutjss-162	139	4	by	by	ADP
esutjss-162	139	5	the	the	DET
esutjss-162	139	6	financial	financial	ADJ
esutjss-162	139	7	advisory	advisory	ADJ
esutjss-162	139	8	organisation	organisation	NOUN
esutjss-162	139	9	devere	devere	PROPN
esutjss-162	139	10	group	group	PROPN
esutjss-162	139	11	,	,	PUNCT
esutjss-162	139	12	shortly	shortly	ADV
esutjss-162	139	13	after	after	ADP
esutjss-162	139	14	the	the	DET
esutjss-162	139	15	covid-19	covid-19	PROPN
esutjss-162	139	16	outbreak	outbreak	NOUN
esutjss-162	139	17	the	the	DET
esutjss-162	139	18	use	use	NOUN
esutjss-162	139	19	of	of	ADP
esutjss-162	139	20	its	its	PRON
esutjss-162	139	21	own	own	ADJ
esutjss-162	139	22	fintech	fintech	NOUN
esutjss-162	139	23	apps	app	NOUN
esutjss-162	139	24	increased	increase	VERB
esutjss-162	139	25	by	by	ADP
esutjss-162	139	26	72	72	NUM
esutjss-162	139	27	%	%	NOUN
esutjss-162	139	28	in	in	ADP
esutjss-162	139	29	europe	europe	PROPN
esutjss-162	139	30	.	.	PUNCT
esutjss-162	140	1	the	the	DET
esutjss-162	140	2	growth	growth	NOUN
esutjss-162	140	3	in	in	ADP
esutjss-162	140	4	the	the	DET
esutjss-162	140	5	use	use	NOUN
esutjss-162	140	6	of	of	ADP
esutjss-162	140	7	digital	digital	ADJ
esutjss-162	140	8	technology	technology	NOUN
esutjss-162	140	9	has	have	AUX
esutjss-162	140	10	included	include	VERB
esutjss-162	140	11	banking	banking	NOUN
esutjss-162	140	12	apps	app	NOUN
esutjss-162	140	13	,	,	PUNCT
esutjss-162	140	14	which	which	PRON
esutjss-162	140	15	shows	show	VERB
esutjss-162	140	16	that	that	SCONJ
esutjss-162	140	17	customer	customer	NOUN
esutjss-162	140	18	expectations	expectation	NOUN
esutjss-162	140	19	and	and	CCONJ
esutjss-162	140	20	practices	practice	NOUN
esutjss-162	140	21	have	have	AUX
esutjss-162	140	22	substantially	substantially	ADV
esutjss-162	140	23	changed	change	VERB
esutjss-162	140	24	during	during	ADP
esutjss-162	140	25	the	the	DET
esutjss-162	140	26	pandemic	pandemic	NOUN
esutjss-162	140	27	.	.	PUNCT
esutjss-162	141	1	most	most	ADJ
esutjss-162	141	2	companies	company	NOUN
esutjss-162	141	3	have	have	AUX
esutjss-162	141	4	been	be	AUX
esutjss-162	141	5	forced	force	VERB
esutjss-162	141	6	by	by	ADP
esutjss-162	141	7	the	the	DET
esutjss-162	141	8	covid-19	covid-19	PROPN
esutjss-162	141	9	crisis	crisis	NOUN
esutjss-162	141	10	to	to	PART
esutjss-162	141	11	review	review	VERB
esutjss-162	141	12	their	their	PRON
esutjss-162	141	13	operating	operating	NOUN
esutjss-162	141	14	methods	method	NOUN
esutjss-162	141	15	and	and	CCONJ
esutjss-162	141	16	adopt	adopt	VERB
esutjss-162	141	17	more	more	ADV
esutjss-162	141	18	flexible	flexible	ADJ
esutjss-162	141	19	approaches	approach	NOUN
esutjss-162	141	20	to	to	ADP
esutjss-162	141	21	business	business	NOUN
esutjss-162	141	22	management	management	NOUN
esutjss-162	141	23	–	–	PUNCT
esutjss-162	141	24	for	for	ADP
esutjss-162	141	25	example	example	NOUN
esutjss-162	141	26	,	,	PUNCT
esutjss-162	141	27	by	by	ADP
esutjss-162	141	28	implementing	implement	VERB
esutjss-162	141	29	ict	ict	PROPN
esutjss-162	141	30	systems	system	NOUN
esutjss-162	141	31	for	for	ADP
esutjss-162	141	32	internal	internal	ADJ
esutjss-162	141	33	communication	communication	NOUN
esutjss-162	141	34	and	and	CCONJ
esutjss-162	141	35	remote	remote	ADJ
esutjss-162	141	36	working	working	NOUN
esutjss-162	141	37	(	(	PUNCT
esutjss-162	141	38	eurofound	eurofound	ADJ
esutjss-162	141	39	,	,	PUNCT
esutjss-162	141	40	2021	2021	NUM
esutjss-162	141	41	)	)	PUNCT
esutjss-162	141	42	.	.	PUNCT
esutjss-162	142	1	the	the	DET
esutjss-162	142	2	longterm	longterm	ADJ
esutjss-162	142	3	effects	effect	NOUN
esutjss-162	142	4	of	of	ADP
esutjss-162	142	5	the	the	DET
esutjss-162	142	6	pandemic	pandemic	NOUN
esutjss-162	142	7	will	will	AUX
esutjss-162	142	8	reinforce	reinforce	VERB
esutjss-162	142	9	the	the	DET
esutjss-162	142	10	potential	potential	NOUN
esutjss-162	142	11	for	for	SCONJ
esutjss-162	142	12	companies	company	NOUN
esutjss-162	142	13	to	to	PART
esutjss-162	142	14	communicate	communicate	VERB
esutjss-162	142	15	through	through	ADP
esutjss-162	142	16	digital	digital	ADJ
esutjss-162	142	17	means	mean	NOUN
esutjss-162	142	18	and	and	CCONJ
esutjss-162	142	19	still	still	ADV
esutjss-162	142	20	do	do	VERB
esutjss-162	142	21	business	business	NOUN
esutjss-162	142	22	efficiently	efficiently	ADV
esutjss-162	142	23	.	.	PUNCT
esutjss-162	143	1	as	as	ADP
esutjss-162	143	2	a	a	DET
esutjss-162	143	3	result	result	NOUN
esutjss-162	143	4	of	of	ADP
esutjss-162	143	5	the	the	DET
esutjss-162	143	6	covid-19	covid-19	PROPN
esutjss-162	143	7	pandemic	pandemic	NOUN
esutjss-162	143	8	,	,	PUNCT
esutjss-162	143	9	digitalisation	digitalisation	NOUN
esutjss-162	143	10	has	have	AUX
esutjss-162	143	11	flourished	flourish	VERB
esutjss-162	143	12	in	in	ADP
esutjss-162	143	13	companies	company	NOUN
esutjss-162	143	14	,	,	PUNCT
esutjss-162	143	15	organisations	organisation	NOUN
esutjss-162	143	16	and	and	CCONJ
esutjss-162	143	17	society	society	NOUN
esutjss-162	143	18	,	,	PUNCT
esutjss-162	143	19	pushed	push	VERB
esutjss-162	143	20	by	by	ADP
esutjss-162	143	21	the	the	DET
esutjss-162	143	22	need	need	NOUN
esutjss-162	143	23	to	to	PART
esutjss-162	143	24	maintain	maintain	VERB
esutjss-162	143	25	social	social	ADJ
esutjss-162	143	26	distancing	distancing	NOUN
esutjss-162	143	27	and	and	CCONJ
esutjss-162	143	28	by	by	ADP
esutjss-162	143	29	the	the	DET
esutjss-162	143	30	shutdown	shutdown	NOUN
esutjss-162	143	31	in	in	ADP
esutjss-162	143	32	economic	economic	ADJ
esutjss-162	143	33	activity	activity	NOUN
esutjss-162	143	34	(	(	PUNCT
esutjss-162	143	35	eurofound	eurofound	ADJ
esutjss-162	143	36	,	,	PUNCT
esutjss-162	143	37	2021	2021	NUM
esutjss-162	143	38	)	)	PUNCT
esutjss-162	143	39	.	.	PUNCT
esutjss-162	144	1	by	by	ADP
esutjss-162	144	2	challenging	challenge	VERB
esutjss-162	144	3	companies	company	NOUN
esutjss-162	144	4	’	'	PUNCT
esutjss-162	144	5	survival	survival	NOUN
esutjss-162	144	6	,	,	PUNCT
esutjss-162	144	7	the	the	DET
esutjss-162	144	8	pandemic	pandemic	NOUN
esutjss-162	144	9	has	have	AUX
esutjss-162	144	10	sped	speed	VERB
esutjss-162	144	11	up	up	ADP
esutjss-162	144	12	digitalisation	digitalisation	NOUN
esutjss-162	144	13	and	and	CCONJ
esutjss-162	144	14	related	related	ADJ
esutjss-162	144	15	changes	change	NOUN
esutjss-162	144	16	in	in	ADP
esutjss-162	144	17	work	work	NOUN
esutjss-162	144	18	,	,	PUNCT
esutjss-162	144	19	production	production	NOUN
esutjss-162	144	20	and	and	CCONJ
esutjss-162	144	21	provision	provision	NOUN
esutjss-162	144	22	of	of	ADP
esutjss-162	144	23	services	service	NOUN
esutjss-162	144	24	.	.	PUNCT
esutjss-162	145	1	no	no	ADV
esutjss-162	145	2	longer	long	ADV
esutjss-162	145	3	a	a	DET
esutjss-162	145	4	business	business	NOUN
esutjss-162	145	5	objective	objective	NOUN
esutjss-162	145	6	or	or	CCONJ
esutjss-162	145	7	a	a	DET
esutjss-162	145	8	goal	goal	NOUN
esutjss-162	145	9	,	,	PUNCT
esutjss-162	145	10	digitalisation	digitalisation	NOUN
esutjss-162	145	11	has	have	AUX
esutjss-162	145	12	become	become	VERB
esutjss-162	145	13	a	a	DET
esutjss-162	145	14	business	business	NOUN
esutjss-162	145	15	restriction	restriction	NOUN
esutjss-162	145	16	:	:	PUNCT
esutjss-162	145	17	if	if	SCONJ
esutjss-162	145	18	you	you	PRON
esutjss-162	145	19	do	do	AUX
esutjss-162	145	20	not	not	PART
esutjss-162	145	21	go	go	VERB
esutjss-162	145	22	digital	digital	ADJ
esutjss-162	145	23	,	,	PUNCT
esutjss-162	145	24	you	you	PRON
esutjss-162	145	25	will	will	AUX
esutjss-162	145	26	be	be	AUX
esutjss-162	145	27	out	out	ADP
esutjss-162	145	28	of	of	ADP
esutjss-162	145	29	the	the	DET
esutjss-162	145	30	market	market	NOUN
esutjss-162	145	31	(	(	PUNCT
esutjss-162	145	32	eurofound	eurofound	ADV
esutjss-162	145	33	,	,	PUNCT
esutjss-162	145	34	2021).most	2021).most	NUM
esutjss-162	145	35	companies	company	NOUN
esutjss-162	145	36	have	have	AUX
esutjss-162	145	37	shifted	shift	VERB
esutjss-162	145	38	to	to	ADP
esutjss-162	145	39	new	new	ADJ
esutjss-162	145	40	business	business	NOUN
esutjss-162	145	41	methods	method	NOUN
esutjss-162	145	42	and	and	CCONJ
esutjss-162	145	43	gone	go	VERB
esutjss-162	145	44	digital	digital	ADJ
esutjss-162	145	45	in	in	ADP
esutjss-162	145	46	a	a	DET
esutjss-162	145	47	very	very	ADV
esutjss-162	145	48	short	short	ADJ
esutjss-162	145	49	period	period	NOUN
esutjss-162	145	50	,	,	PUNCT
esutjss-162	145	51	while	while	SCONJ
esutjss-162	145	52	taking	take	VERB
esutjss-162	145	53	care	care	NOUN
esutjss-162	145	54	of	of	ADP
esutjss-162	145	55	their	their	PRON
esutjss-162	145	56	staff	staff	NOUN
esutjss-162	145	57	’s	’s	PART
esutjss-162	145	58	health	health	NOUN
esutjss-162	145	59	and	and	CCONJ
esutjss-162	145	60	safety	safety	NOUN
esutjss-162	145	61	(	(	PUNCT
esutjss-162	145	62	eurofound	eurofound	ADJ
esutjss-162	145	63	,	,	PUNCT
esutjss-162	145	64	2020b	2020b	NUM
esutjss-162	145	65	)	)	PUNCT
esutjss-162	145	66	.	.	PUNCT
esutjss-162	146	1	remote	remote	ADJ
esutjss-162	146	2	work	work	NOUN
esutjss-162	146	3	and	and	CCONJ
esutjss-162	146	4	the	the	DET
esutjss-162	146	5	use	use	NOUN
esutjss-162	146	6	of	of	ADP
esutjss-162	146	7	private	private	ADJ
esutjss-162	146	8	devices	device	NOUN
esutjss-162	146	9	in	in	ADP
esutjss-162	146	10	the	the	DET
esutjss-162	146	11	work	work	NOUN
esutjss-162	146	12	environment	environment	NOUN
esutjss-162	146	13	have	have	AUX
esutjss-162	146	14	increased	increase	VERB
esutjss-162	146	15	,	,	PUNCT
esutjss-162	146	16	as	as	SCONJ
esutjss-162	146	17	has	have	VERB
esutjss-162	146	18	the	the	DET
esutjss-162	146	19	use	use	NOUN
esutjss-162	146	20	of	of	ADP
esutjss-162	146	21	digital	digital	ADJ
esutjss-162	146	22	tools	tool	NOUN
esutjss-162	146	23	,	,	PUNCT
esutjss-162	146	24	ict	ict	NOUN
esutjss-162	146	25	software	software	NOUN
esutjss-162	146	26	and	and	CCONJ
esutjss-162	146	27	online	online	ADJ
esutjss-162	146	28	platforms	platform	NOUN
esutjss-162	146	29	for	for	ADP
esutjss-162	146	30	work	work	NOUN
esutjss-162	146	31	,	,	PUNCT
esutjss-162	146	32	reflecting	reflect	VERB
esutjss-162	146	33	profound	profound	ADJ
esutjss-162	146	34	changes	change	NOUN
esutjss-162	146	35	in	in	ADP
esutjss-162	146	36	processes	process	NOUN
esutjss-162	146	37	and	and	CCONJ
esutjss-162	146	38	business	business	NOUN
esutjss-162	146	39	models	model	NOUN
esutjss-162	146	40	,	,	PUNCT
esutjss-162	146	41	and	and	CCONJ
esutjss-162	146	42	demonstrating	demonstrate	VERB
esutjss-162	146	43	that	that	SCONJ
esutjss-162	146	44	employees	employee	NOUN
esutjss-162	146	45	have	have	AUX
esutjss-162	146	46	become	become	VERB
esutjss-162	146	47	better	well	ADV
esutjss-162	146	48	integrated	integrate	VERB
esutjss-162	146	49	into	into	ADP
esutjss-162	146	50	technological	technological	ADJ
esutjss-162	146	51	environments	environment	NOUN
esutjss-162	146	52	(	(	PUNCT
esutjss-162	146	53	eurofound	eurofound	ADJ
esutjss-162	146	54	,	,	PUNCT
esutjss-162	146	55	2020	2020	NUM
esutjss-162	146	56	)	)	PUNCT
esutjss-162	146	57	.	.	PUNCT
esutjss-162	147	1	according	accord	VERB
esutjss-162	147	2	to	to	ADP
esutjss-162	147	3	dnv	dnv	PROPN
esutjss-162	147	4	(	(	PUNCT
esutjss-162	147	5	2021	2021	NUM
esutjss-162	147	6	)	)	PUNCT
esutjss-162	147	7	,	,	PUNCT
esutjss-162	147	8	the	the	DET
esutjss-162	147	9	impact	impact	NOUN
esutjss-162	147	10	of	of	ADP
esutjss-162	147	11	the	the	DET
esutjss-162	147	12	covid-19	covid-19	PROPN
esutjss-162	147	13	crisis	crisis	NOUN
esutjss-162	147	14	on	on	ADP
esutjss-162	147	15	companies	company	NOUN
esutjss-162	147	16	has	have	AUX
esutjss-162	147	17	been	be	AUX
esutjss-162	147	18	uneven	uneven	ADJ
esutjss-162	147	19	,	,	PUNCT
esutjss-162	147	20	however	however	ADV
esutjss-162	147	21	.	.	PUNCT
esutjss-162	148	1	this	this	PRON
esutjss-162	148	2	can	can	AUX
esutjss-162	148	3	be	be	AUX
esutjss-162	148	4	partly	partly	ADV
esutjss-162	148	5	explained	explain	VERB
esutjss-162	148	6	by	by	ADP
esutjss-162	148	7	the	the	DET
esutjss-162	148	8	ability	ability	NOUN
esutjss-162	148	9	of	of	ADP
esutjss-162	148	10	some	some	DET
esutjss-162	148	11	businesses	business	NOUN
esutjss-162	148	12	to	to	PART
esutjss-162	148	13	go	go	VERB
esutjss-162	148	14	digital	digital	ADV
esutjss-162	148	15	more	more	ADV
esutjss-162	148	16	quickly	quickly	ADV
esutjss-162	148	17	,	,	PUNCT
esutjss-162	148	18	namely	namely	ADV
esutjss-162	148	19	those	those	PRON
esutjss-162	148	20	that	that	PRON
esutjss-162	148	21	had	have	AUX
esutjss-162	148	22	started	start	VERB
esutjss-162	148	23	the	the	DET
esutjss-162	148	24	transformation	transformation	NOUN
esutjss-162	148	25	prior	prior	ADV
esutjss-162	148	26	to	to	ADP
esutjss-162	148	27	the	the	DET
esutjss-162	148	28	pandemic	pandemic	NOUN
esutjss-162	148	29	;	;	PUNCT
esutjss-162	148	30	many	many	PRON
esutjss-162	148	31	then	then	ADV
esutjss-162	148	32	adapted	adapt	VERB
esutjss-162	148	33	to	to	ADP
esutjss-162	148	34	the	the	DET
esutjss-162	148	35	pandemic	pandemic	NOUN
esutjss-162	148	36	by	by	ADP
esutjss-162	148	37	accelerating	accelerate	VERB
esutjss-162	148	38	this	this	DET
esutjss-162	148	39	transformation	transformation	NOUN
esutjss-162	148	40	,	,	PUNCT
esutjss-162	148	41	creating	create	VERB
esutjss-162	148	42	technological	technological	ADJ
esutjss-162	148	43	solutions	solution	NOUN
esutjss-162	148	44	while	while	SCONJ
esutjss-162	148	45	reducing	reduce	VERB
esutjss-162	148	46	face	face	NOUN
esutjss-162	148	47	-	-	PUNCT
esutjss-162	148	48	to	to	ADP
esutjss-162	148	49	-	-	PUNCT
esutjss-162	148	50	face	face	NOUN
esutjss-162	148	51	customer	customer	NOUN
esutjss-162	148	52	interactions	interaction	NOUN
esutjss-162	148	53	.	.	PUNCT
esutjss-162	149	1	such	such	ADJ
esutjss-162	149	2	early	early	ADJ
esutjss-162	149	3	transformation	transformation	NOUN
esutjss-162	149	4	and	and	CCONJ
esutjss-162	149	5	resilience	resilience	NOUN
esutjss-162	149	6	will	will	AUX
esutjss-162	149	7	help	help	VERB
esutjss-162	149	8	to	to	PART
esutjss-162	149	9	ensure	ensure	VERB
esutjss-162	149	10	that	that	SCONJ
esutjss-162	149	11	businesses	business	NOUN
esutjss-162	149	12	are	be	AUX
esutjss-162	149	13	well	well	ADV
esutjss-162	149	14	placed	place	VERB
esutjss-162	149	15	to	to	PART
esutjss-162	149	16	succeed	succeed	VERB
esutjss-162	149	17	in	in	ADP
esutjss-162	149	18	the	the	DET
esutjss-162	149	19	post	post	ADJ
esutjss-162	149	20	-	-	ADJ
esutjss-162	149	21	pandemic	pandemic	ADJ
esutjss-162	149	22	92	92	NUM
esutjss-162	149	23	world	world	NOUN
esutjss-162	149	24	.	.	PUNCT
esutjss-162	150	1	despite	despite	SCONJ
esutjss-162	150	2	the	the	DET
esutjss-162	150	3	uncertainty	uncertainty	NOUN
esutjss-162	150	4	surrounding	surround	VERB
esutjss-162	150	5	the	the	DET
esutjss-162	150	6	economic	economic	ADJ
esutjss-162	150	7	outlook	outlook	NOUN
esutjss-162	150	8	post	post	PROPN
esutjss-162	150	9	-	-	ADJ
esutjss-162	150	10	covid-19	covid-19	ADJ
esutjss-162	150	11	,	,	PUNCT
esutjss-162	150	12	organisations	organisation	NOUN
esutjss-162	150	13	are	be	AUX
esutjss-162	150	14	expected	expect	VERB
esutjss-162	150	15	to	to	PART
esutjss-162	150	16	continue	continue	VERB
esutjss-162	150	17	to	to	PART
esutjss-162	150	18	experience	experience	VERB
esutjss-162	150	19	acceleration	acceleration	NOUN
esutjss-162	150	20	in	in	ADP
esutjss-162	150	21	the	the	DET
esutjss-162	150	22	adoption	adoption	NOUN
esutjss-162	150	23	of	of	ADP
esutjss-162	150	24	disruptive	disruptive	ADJ
esutjss-162	150	25	technologies	technology	NOUN
esutjss-162	150	26	and	and	CCONJ
esutjss-162	150	27	a	a	DET
esutjss-162	150	28	proliferation	proliferation	NOUN
esutjss-162	150	29	of	of	ADP
esutjss-162	150	30	online	online	ADJ
esutjss-162	150	31	business	business	NOUN
esutjss-162	150	32	models	model	NOUN
esutjss-162	150	33	and	and	CCONJ
esutjss-162	150	34	platforms	platform	NOUN
esutjss-162	150	35	(	(	PUNCT
esutjss-162	150	36	adbi	adbi	ADJ
esutjss-162	150	37	,	,	PUNCT
esutjss-162	150	38	2021	2021	NUM
esutjss-162	150	39	)	)	PUNCT
esutjss-162	150	40	.	.	PUNCT
esutjss-162	151	1	with	with	ADP
esutjss-162	151	2	the	the	DET
esutjss-162	151	3	increase	increase	NOUN
esutjss-162	151	4	in	in	ADP
esutjss-162	151	5	remote	remote	ADJ
esutjss-162	151	6	work	work	NOUN
esutjss-162	151	7	and	and	CCONJ
esutjss-162	151	8	online	online	ADJ
esutjss-162	151	9	business	business	NOUN
esutjss-162	151	10	,	,	PUNCT
esutjss-162	151	11	companies	company	NOUN
esutjss-162	151	12	and	and	CCONJ
esutjss-162	151	13	organisations	organisation	NOUN
esutjss-162	151	14	have	have	AUX
esutjss-162	151	15	recognised	recognise	VERB
esutjss-162	151	16	the	the	DET
esutjss-162	151	17	importance	importance	NOUN
esutjss-162	151	18	of	of	ADP
esutjss-162	151	19	ensuring	ensure	VERB
esutjss-162	151	20	higher	high	ADJ
esutjss-162	151	21	levels	level	NOUN
esutjss-162	151	22	of	of	ADP
esutjss-162	151	23	cyber	cyber	ADJ
esutjss-162	151	24	security	security	NOUN
esutjss-162	151	25	,	,	PUNCT
esutjss-162	151	26	as	as	SCONJ
esutjss-162	151	27	relying	rely	VERB
esutjss-162	151	28	on	on	ADP
esutjss-162	151	29	technology	technology	NOUN
esutjss-162	151	30	,	,	PUNCT
esutjss-162	151	31	connectivity	connectivity	NOUN
esutjss-162	151	32	and	and	CCONJ
esutjss-162	151	33	ict	ict	NOUN
esutjss-162	151	34	has	have	AUX
esutjss-162	151	35	made	make	VERB
esutjss-162	151	36	them	they	PRON
esutjss-162	151	37	vulnerable	vulnerable	ADJ
esutjss-162	151	38	to	to	ADP
esutjss-162	151	39	cyber	cyber	NOUN
esutjss-162	151	40	attacks	attack	NOUN
esutjss-162	151	41	.	.	PUNCT
esutjss-162	152	1	keeping	keep	VERB
esutjss-162	152	2	business	business	NOUN
esutjss-162	152	3	and	and	CCONJ
esutjss-162	152	4	personal	personal	ADJ
esutjss-162	152	5	data	datum	NOUN
esutjss-162	152	6	secure	secure	ADJ
esutjss-162	152	7	has	have	AUX
esutjss-162	152	8	become	become	VERB
esutjss-162	152	9	a	a	DET
esutjss-162	152	10	top	top	ADJ
esutjss-162	152	11	priority	priority	NOUN
esutjss-162	152	12	.	.	PUNCT
esutjss-162	153	1	therefore	therefore	ADV
esutjss-162	153	2	,	,	PUNCT
esutjss-162	153	3	as	as	ADP
esutjss-162	153	4	a	a	DET
esutjss-162	153	5	key	key	ADJ
esutjss-162	153	6	element	element	NOUN
esutjss-162	153	7	of	of	ADP
esutjss-162	153	8	the	the	DET
esutjss-162	153	9	accelerated	accelerate	VERB
esutjss-162	153	10	digital	digital	ADJ
esutjss-162	153	11	transformation	transformation	NOUN
esutjss-162	153	12	during	during	ADP
esutjss-162	153	13	the	the	DET
esutjss-162	153	14	pandemic	pandemic	ADJ
esutjss-162	153	15	,	,	PUNCT
esutjss-162	153	16	companies	company	NOUN
esutjss-162	153	17	and	and	CCONJ
esutjss-162	153	18	organisations	organisation	NOUN
esutjss-162	153	19	have	have	AUX
esutjss-162	153	20	invested	invest	VERB
esutjss-162	153	21	more	more	ADJ
esutjss-162	153	22	resources	resource	NOUN
esutjss-162	153	23	in	in	ADP
esutjss-162	153	24	cyber	cyber	ADJ
esutjss-162	153	25	security	security	NOUN
esutjss-162	153	26	,	,	PUNCT
esutjss-162	153	27	even	even	ADV
esutjss-162	153	28	amid	amid	ADP
esutjss-162	153	29	diminishing	diminish	VERB
esutjss-162	153	30	budgets	budget	NOUN
esutjss-162	153	31	due	due	ADP
esutjss-162	153	32	to	to	ADP
esutjss-162	153	33	decreasing	decrease	VERB
esutjss-162	153	34	revenues	revenue	NOUN
esutjss-162	153	35	.	.	PUNCT
esutjss-162	154	1	in	in	ADP
esutjss-162	154	2	addition	addition	NOUN
esutjss-162	154	3	to	to	ADP
esutjss-162	154	4	allocating	allocate	VERB
esutjss-162	154	5	more	more	ADJ
esutjss-162	154	6	money	money	NOUN
esutjss-162	154	7	to	to	ADP
esutjss-162	154	8	reinforcing	reinforce	VERB
esutjss-162	154	9	ict	ict	PROPN
esutjss-162	154	10	and	and	CCONJ
esutjss-162	154	11	network	network	NOUN
esutjss-162	154	12	security	security	NOUN
esutjss-162	154	13	,	,	PUNCT
esutjss-162	154	14	they	they	PRON
esutjss-162	154	15	have	have	VERB
esutjss-162	154	16	targeted	target	VERB
esutjss-162	154	17	staff	staff	NOUN
esutjss-162	154	18	,	,	PUNCT
esutjss-162	154	19	particularly	particularly	ADV
esutjss-162	154	20	remote	remote	ADJ
esutjss-162	154	21	workers	worker	NOUN
esutjss-162	154	22	with	with	ADP
esutjss-162	154	23	awareness	awareness	NOUN
esutjss-162	154	24	-	-	PUNCT
esutjss-162	154	25	raising	raise	VERB
esutjss-162	154	26	campaigns	campaign	NOUN
esutjss-162	154	27	and	and	CCONJ
esutjss-162	154	28	training	training	NOUN
esutjss-162	154	29	focused	focus	VERB
esutjss-162	154	30	on	on	ADP
esutjss-162	154	31	this	this	DET
esutjss-162	154	32	growing	grow	VERB
esutjss-162	154	33	global	global	ADJ
esutjss-162	154	34	concern	concern	NOUN
esutjss-162	154	35	.	.	PUNCT
esutjss-162	155	1	in	in	ADP
esutjss-162	155	2	accelerating	accelerate	VERB
esutjss-162	155	3	the	the	DET
esutjss-162	155	4	digital	digital	ADJ
esutjss-162	155	5	transformation	transformation	NOUN
esutjss-162	155	6	,	,	PUNCT
esutjss-162	155	7	the	the	DET
esutjss-162	155	8	pandemic	pandemic	NOUN
esutjss-162	155	9	has	have	AUX
esutjss-162	155	10	created	create	VERB
esutjss-162	155	11	a	a	DET
esutjss-162	155	12	landscape	landscape	NOUN
esutjss-162	155	13	that	that	PRON
esutjss-162	155	14	will	will	AUX
esutjss-162	155	15	continue	continue	VERB
esutjss-162	155	16	to	to	PART
esutjss-162	155	17	encourage	encourage	VERB
esutjss-162	155	18	innovation	innovation	NOUN
esutjss-162	155	19	and	and	CCONJ
esutjss-162	155	20	technological	technological	ADJ
esutjss-162	155	21	adoption	adoption	NOUN
esutjss-162	155	22	moving	move	VERB
esutjss-162	155	23	forward	forward	ADV
esutjss-162	155	24	.	.	PUNCT
esutjss-162	156	1	as	as	SCONJ
esutjss-162	156	2	businesses	business	NOUN
esutjss-162	156	3	begin	begin	VERB
esutjss-162	156	4	to	to	PART
esutjss-162	156	5	better	well	ADV
esutjss-162	156	6	understand	understand	VERB
esutjss-162	156	7	the	the	DET
esutjss-162	156	8	capabilities	capability	NOUN
esutjss-162	156	9	of	of	ADP
esutjss-162	156	10	these	these	DET
esutjss-162	156	11	types	type	NOUN
esutjss-162	156	12	of	of	ADP
esutjss-162	156	13	modern	modern	ADJ
esutjss-162	156	14	technology	technology	NOUN
esutjss-162	156	15	,	,	PUNCT
esutjss-162	156	16	they	they	PRON
esutjss-162	156	17	will	will	AUX
esutjss-162	156	18	also	also	ADV
esutjss-162	156	19	begin	begin	VERB
esutjss-162	156	20	to	to	PART
esutjss-162	156	21	understand	understand	VERB
esutjss-162	156	22	the	the	DET
esutjss-162	156	23	opportunities	opportunity	NOUN
esutjss-162	156	24	that	that	PRON
esutjss-162	156	25	lie	lie	VERB
esutjss-162	156	26	before	before	ADP
esutjss-162	156	27	them	they	PRON
esutjss-162	156	28	,	,	PUNCT
esutjss-162	156	29	even	even	ADV
esutjss-162	156	30	after	after	ADP
esutjss-162	156	31	the	the	DET
esutjss-162	156	32	pandemic	pandemic	NOUN
esutjss-162	156	33	.	.	PUNCT
esutjss-162	157	1	in	in	ADP
esutjss-162	157	2	this	this	DET
esutjss-162	157	3	regard	regard	NOUN
esutjss-162	157	4	,	,	PUNCT
esutjss-162	157	5	the	the	DET
esutjss-162	157	6	covid-19	covid-19	PROPN
esutjss-162	157	7	crisis	crisis	NOUN
esutjss-162	157	8	has	have	AUX
esutjss-162	157	9	also	also	ADV
esutjss-162	157	10	boosted	boost	VERB
esutjss-162	157	11	a	a	DET
esutjss-162	157	12	rather	rather	ADV
esutjss-162	157	13	technologically	technologically	ADV
esutjss-162	157	14	oriented	orient	VERB
esutjss-162	157	15	business	business	NOUN
esutjss-162	157	16	culture	culture	NOUN
esutjss-162	157	17	.	.	PUNCT
esutjss-162	158	1	digitalisation	digitalisation	NOUN
esutjss-162	158	2	is	be	AUX
esutjss-162	158	3	not	not	PART
esutjss-162	158	4	only	only	ADV
esutjss-162	158	5	about	about	ADP
esutjss-162	158	6	implementing	implement	VERB
esutjss-162	158	7	technology	technology	NOUN
esutjss-162	158	8	,	,	PUNCT
esutjss-162	158	9	the	the	DET
esutjss-162	158	10	internet	internet	NOUN
esutjss-162	158	11	and	and	CCONJ
esutjss-162	158	12	remote	remote	ADJ
esutjss-162	158	13	working	working	NOUN
esutjss-162	158	14	:	:	PUNCT
esutjss-162	158	15	it	it	PRON
esutjss-162	158	16	is	be	AUX
esutjss-162	158	17	also	also	ADV
esutjss-162	158	18	about	about	ADP
esutjss-162	158	19	implementing	implement	VERB
esutjss-162	158	20	business	business	NOUN
esutjss-162	158	21	innovation	innovation	NOUN
esutjss-162	158	22	itself	itself	PRON
esutjss-162	158	23	.	.	PUNCT
esutjss-162	159	1	digital	digital	ADJ
esutjss-162	159	2	transformation	transformation	NOUN
esutjss-162	159	3	is	be	AUX
esutjss-162	159	4	the	the	DET
esutjss-162	159	5	process	process	NOUN
esutjss-162	159	6	of	of	ADP
esutjss-162	159	7	using	use	VERB
esutjss-162	159	8	digital	digital	ADJ
esutjss-162	159	9	technologies	technology	NOUN
esutjss-162	159	10	to	to	PART
esutjss-162	159	11	create	create	VERB
esutjss-162	159	12	new	new	ADJ
esutjss-162	159	13	or	or	CCONJ
esutjss-162	159	14	modify	modify	VERB
esutjss-162	159	15	existing	exist	VERB
esutjss-162	159	16	business	business	NOUN
esutjss-162	159	17	processes	process	NOUN
esutjss-162	159	18	,	,	PUNCT
esutjss-162	159	19	culture	culture	NOUN
esutjss-162	159	20	,	,	PUNCT
esutjss-162	159	21	and	and	CCONJ
esutjss-162	159	22	customer	customer	NOUN
esutjss-162	159	23	experiences	experience	NOUN
esutjss-162	159	24	to	to	PART
esutjss-162	159	25	meet	meet	VERB
esutjss-162	159	26	changing	change	VERB
esutjss-162	159	27	business	business	NOUN
esutjss-162	159	28	and	and	CCONJ
esutjss-162	159	29	market	market	NOUN
esutjss-162	159	30	requirements	requirement	NOUN
esutjss-162	159	31	.	.	PUNCT
esutjss-162	160	1	this	this	DET
esutjss-162	160	2	reimagining	reimagining	NOUN
esutjss-162	160	3	of	of	ADP
esutjss-162	160	4	business	business	NOUN
esutjss-162	160	5	in	in	ADP
esutjss-162	160	6	the	the	DET
esutjss-162	160	7	digital	digital	ADJ
esutjss-162	160	8	age	age	NOUN
esutjss-162	160	9	is	be	AUX
esutjss-162	160	10	digital	digital	ADJ
esutjss-162	160	11	transformation	transformation	NOUN
esutjss-162	160	12	(	(	PUNCT
esutjss-162	160	13	peter	peter	PROPN
esutjss-162	160	14	et	et	PROPN
esutjss-162	160	15	al	al	PROPN
esutjss-162	160	16	.	.	PROPN
esutjss-162	160	17	,	,	PUNCT
esutjss-162	160	18	2020	2020	NUM
esutjss-162	160	19	)	)	PUNCT
esutjss-162	160	20	.	.	PUNCT
esutjss-162	161	1	digital	digital	ADJ
esutjss-162	161	2	transformation	transformation	NOUN
esutjss-162	161	3	helps	help	VERB
esutjss-162	161	4	an	an	DET
esutjss-162	161	5	organization	organization	NOUN
esutjss-162	161	6	keep	keep	VERB
esutjss-162	161	7	up	up	ADP
esutjss-162	161	8	with	with	ADP
esutjss-162	161	9	emerging	emerge	VERB
esutjss-162	161	10	customer	customer	NOUN
esutjss-162	161	11	demands	demand	NOUN
esutjss-162	161	12	and	and	CCONJ
esutjss-162	161	13	therefore	therefore	ADV
esutjss-162	161	14	survive	survive	VERB
esutjss-162	161	15	in	in	ADP
esutjss-162	161	16	the	the	DET
esutjss-162	161	17	face	face	NOUN
esutjss-162	161	18	of	of	ADP
esutjss-162	161	19	the	the	DET
esutjss-162	161	20	future	future	NOUN
esutjss-162	161	21	.	.	PUNCT
esutjss-162	162	1	it	it	PRON
esutjss-162	162	2	allows	allow	VERB
esutjss-162	162	3	companies	company	NOUN
esutjss-162	162	4	to	to	PART
esutjss-162	162	5	compete	compete	VERB
esutjss-162	162	6	better	well	ADV
esutjss-162	162	7	in	in	ADP
esutjss-162	162	8	an	an	DET
esutjss-162	162	9	economic	economic	ADJ
esutjss-162	162	10	environment	environment	NOUN
esutjss-162	162	11	that	that	PRON
esutjss-162	162	12	is	be	AUX
esutjss-162	162	13	constantly	constantly	ADV
esutjss-162	162	14	changing	change	VERB
esutjss-162	162	15	in	in	ADP
esutjss-162	162	16	response	response	NOUN
esutjss-162	162	17	to	to	ADP
esutjss-162	162	18	technology	technology	NOUN
esutjss-162	162	19	evolutions	evolution	NOUN
esutjss-162	162	20	.	.	PUNCT
esutjss-162	163	1	digital	digital	ADJ
esutjss-162	163	2	transformation	transformation	NOUN
esutjss-162	163	3	provides	provide	VERB
esutjss-162	163	4	a	a	DET
esutjss-162	163	5	valuable	valuable	ADJ
esutjss-162	163	6	opportunity	opportunity	NOUN
esutjss-162	163	7	for	for	ADP
esutjss-162	163	8	core	core	NOUN
esutjss-162	163	9	business	business	NOUN
esutjss-162	163	10	functions	function	NOUN
esutjss-162	163	11	,	,	PUNCT
esutjss-162	163	12	such	such	ADJ
esutjss-162	163	13	as	as	ADP
esutjss-162	163	14	finance	finance	NOUN
esutjss-162	163	15	and	and	CCONJ
esutjss-162	163	16	hr	hr	NOUN
esutjss-162	163	17	,	,	PUNCT
esutjss-162	163	18	to	to	PART
esutjss-162	163	19	move	move	VERB
esutjss-162	163	20	away	away	ADV
esutjss-162	163	21	from	from	ADP
esutjss-162	163	22	manual	manual	ADJ
esutjss-162	163	23	processes	process	NOUN
esutjss-162	163	24	and	and	CCONJ
esutjss-162	163	25	automate	automate	ADJ
esutjss-162	163	26	key	key	ADJ
esutjss-162	163	27	areas	area	NOUN
esutjss-162	163	28	like	like	ADP
esutjss-162	163	29	payroll	payroll	NOUN
esutjss-162	163	30	,	,	PUNCT
esutjss-162	163	31	enabling	enable	VERB
esutjss-162	163	32	leaders	leader	NOUN
esutjss-162	163	33	to	to	PART
esutjss-162	163	34	focus	focus	VERB
esutjss-162	163	35	on	on	ADP
esutjss-162	163	36	wider	wide	ADJ
esutjss-162	163	37	business	business	NOUN
esutjss-162	163	38	opportunities	opportunity	NOUN
esutjss-162	163	39	(	(	PUNCT
esutjss-162	163	40	hilali	hilali	PROPN
esutjss-162	163	41	et	et	PROPN
esutjss-162	163	42	al	al	PROPN
esutjss-162	163	43	.	.	PROPN
esutjss-162	163	44	,	,	PUNCT
esutjss-162	163	45	2020	2020	NUM
esutjss-162	163	46	)	)	PUNCT
esutjss-162	163	47	.	.	PUNCT
esutjss-162	164	1	digital	digital	ADJ
esutjss-162	164	2	transformation	transformation	NOUN
esutjss-162	164	3	is	be	AUX
esutjss-162	164	4	all	all	ADV
esutjss-162	164	5	about	about	ADP
esutjss-162	164	6	becoming	become	VERB
esutjss-162	164	7	a	a	DET
esutjss-162	164	8	digital	digital	ADJ
esutjss-162	164	9	enterprise	enterprise	NOUN
esutjss-162	164	10	an	an	DET
esutjss-162	164	11	organization	organization	NOUN
esutjss-162	164	12	that	that	PRON
esutjss-162	164	13	uses	use	VERB
esutjss-162	164	14	technology	technology	NOUN
esutjss-162	164	15	to	to	PART
esutjss-162	164	16	continuously	continuously	ADV
esutjss-162	164	17	evolve	evolve	VERB
esutjss-162	164	18	all	all	DET
esutjss-162	164	19	aspects	aspect	NOUN
esutjss-162	164	20	of	of	ADP
esutjss-162	164	21	its	its	PRON
esutjss-162	164	22	business	business	NOUN
esutjss-162	164	23	models	model	NOUN
esutjss-162	164	24	(	(	PUNCT
esutjss-162	164	25	what	what	PRON
esutjss-162	164	26	it	it	PRON
esutjss-162	164	27	offers	offer	VERB
esutjss-162	164	28	,	,	PUNCT
esutjss-162	164	29	how	how	SCONJ
esutjss-162	164	30	it	it	PRON
esutjss-162	164	31	interacts	interact	VERB
esutjss-162	164	32	with	with	ADP
esutjss-162	164	33	customers	customer	NOUN
esutjss-162	164	34	,	,	PUNCT
esutjss-162	164	35	and	and	CCONJ
esutjss-162	164	36	how	how	SCONJ
esutjss-162	164	37	it	it	PRON
esutjss-162	164	38	operates	operate	VERB
esutjss-162	164	39	.	.	PUNCT
esutjss-162	165	1	while	while	SCONJ
esutjss-162	165	2	every	every	DET
esutjss-162	165	3	digital	digital	ADJ
esutjss-162	165	4	transformation	transformation	NOUN
esutjss-162	165	5	initiative	initiative	NOUN
esutjss-162	165	6	will	will	AUX
esutjss-162	165	7	have	have	VERB
esutjss-162	165	8	its	its	PRON
esutjss-162	165	9	own	own	ADJ
esutjss-162	165	10	specific	specific	ADJ
esutjss-162	165	11	goals	goal	NOUN
esutjss-162	165	12	,	,	PUNCT
esutjss-162	165	13	the	the	DET
esutjss-162	165	14	main	main	ADJ
esutjss-162	165	15	purpose	purpose	NOUN
esutjss-162	165	16	of	of	ADP
esutjss-162	165	17	any	any	DET
esutjss-162	165	18	digital	digital	ADJ
esutjss-162	165	19	transformation	transformation	NOUN
esutjss-162	165	20	is	be	AUX
esutjss-162	165	21	to	to	PART
esutjss-162	165	22	improve	improve	VERB
esutjss-162	165	23	your	your	PRON
esutjss-162	165	24	current	current	ADJ
esutjss-162	165	25	processes	process	NOUN
esutjss-162	165	26	.	.	PUNCT
esutjss-162	166	1	digital	digital	ADJ
esutjss-162	166	2	transformation	transformation	NOUN
esutjss-162	166	3	is	be	AUX
esutjss-162	166	4	important	important	ADJ
esutjss-162	166	5	because	because	SCONJ
esutjss-162	166	6	companies	company	NOUN
esutjss-162	166	7	must	must	AUX
esutjss-162	166	8	evolve	evolve	VERB
esutjss-162	166	9	to	to	PART
esutjss-162	166	10	remain	remain	VERB
esutjss-162	166	11	competitive	competitive	ADJ
esutjss-162	166	12	in	in	ADP
esutjss-162	166	13	their	their	PRON
esutjss-162	166	14	industry	industry	NOUN
esutjss-162	166	15	(	(	PUNCT
esutjss-162	166	16	vial	vial	ADJ
esutjss-162	166	17	,	,	PUNCT
esutjss-162	166	18	2019	2019	NUM
esutjss-162	166	19	)	)	PUNCT
esutjss-162	166	20	.	.	PUNCT
esutjss-162	167	1	digital	digital	ADJ
esutjss-162	167	2	transformation	transformation	NOUN
esutjss-162	167	3	is	be	AUX
esutjss-162	167	4	not	not	PART
esutjss-162	167	5	just	just	ADV
esutjss-162	167	6	about	about	ADP
esutjss-162	167	7	disruption	disruption	NOUN
esutjss-162	167	8	or	or	CCONJ
esutjss-162	167	9	technology	technology	NOUN
esutjss-162	167	10	.	.	PUNCT
esutjss-162	168	1	it	it	PRON
esutjss-162	168	2	’s	’	VERB
esutjss-162	168	3	about	about	ADP
esutjss-162	168	4	value	value	NOUN
esutjss-162	168	5	,	,	PUNCT
esutjss-162	168	6	people	people	NOUN
esutjss-162	168	7	,	,	PUNCT
esutjss-162	168	8	optimization	optimization	NOUN
esutjss-162	168	9	,	,	PUNCT
esutjss-162	168	10	and	and	CCONJ
esutjss-162	168	11	the	the	DET
esutjss-162	168	12	capability	capability	NOUN
esutjss-162	168	13	to	to	PART
esutjss-162	168	14	rapidly	rapidly	ADV
esutjss-162	168	15	adapt	adapt	VERB
esutjss-162	168	16	when	when	SCONJ
esutjss-162	168	17	such	such	ADJ
esutjss-162	168	18	is	be	AUX
esutjss-162	168	19	needed	need	VERB
esutjss-162	168	20	through	through	ADP
esutjss-162	168	21	an	an	DET
esutjss-162	168	22	intelligent	intelligent	ADJ
esutjss-162	168	23	use	use	NOUN
esutjss-162	168	24	of	of	ADP
esutjss-162	168	25	technologies	technology	NOUN
esutjss-162	168	26	and	and	CCONJ
esutjss-162	168	27	information	information	NOUN
esutjss-162	168	28	.	.	PUNCT
esutjss-162	169	1	digital	digital	ADJ
esutjss-162	169	2	transformation	transformation	NOUN
esutjss-162	169	3	is	be	AUX
esutjss-162	169	4	the	the	DET
esutjss-162	169	5	profound	profound	ADJ
esutjss-162	169	6	transformation	transformation	NOUN
esutjss-162	169	7	of	of	ADP
esutjss-162	169	8	business	business	NOUN
esutjss-162	169	9	and	and	CCONJ
esutjss-162	169	10	organizational	organizational	ADJ
esutjss-162	169	11	activities	activity	NOUN
esutjss-162	169	12	,	,	PUNCT
esutjss-162	169	13	processes	process	NOUN
esutjss-162	169	14	,	,	PUNCT
esutjss-162	169	15	competencies	competency	NOUN
esutjss-162	169	16	,	,	PUNCT
esutjss-162	169	17	and	and	CCONJ
esutjss-162	169	18	models	model	NOUN
esutjss-162	169	19	to	to	PART
esutjss-162	169	20	fully	fully	ADV
esutjss-162	169	21	leverage	leverage	VERB
esutjss-162	169	22	the	the	DET
esutjss-162	169	23	changes	change	NOUN
esutjss-162	169	24	and	and	CCONJ
esutjss-162	169	25	opportunities	opportunity	NOUN
esutjss-162	169	26	of	of	ADP
esutjss-162	169	27	a	a	DET
esutjss-162	169	28	mix	mix	NOUN
esutjss-162	169	29	of	of	ADP
esutjss-162	169	30	digital	digital	ADJ
esutjss-162	169	31	technologies	technology	NOUN
esutjss-162	169	32	and	and	CCONJ
esutjss-162	169	33	their	their	PRON
esutjss-162	169	34	accelerating	accelerate	VERB
esutjss-162	169	35	impact	impact	NOUN
esutjss-162	169	36	across	across	ADP
esutjss-162	169	37	society	society	NOUN
esutjss-162	169	38	in	in	ADP
esutjss-162	169	39	a	a	DET
esutjss-162	169	40	strategic	strategic	ADJ
esutjss-162	169	41	and	and	CCONJ
esutjss-162	169	42	prioritized	prioritize	VERB
esutjss-162	169	43	way	way	NOUN
esutjss-162	169	44	,	,	PUNCT
esutjss-162	169	45	with	with	ADP
esutjss-162	169	46	present	present	ADJ
esutjss-162	169	47	and	and	CCONJ
esutjss-162	169	48	future	future	ADJ
esutjss-162	169	49	shifts	shift	NOUN
esutjss-162	169	50	in	in	ADP
esutjss-162	169	51	mind	mind	NOUN
esutjss-162	169	52	.	.	PUNCT
esutjss-162	170	1	(	(	PUNCT
esutjss-162	170	2	garzoni	garzoni	NOUN
esutjss-162	170	3	et	et	PROPN
esutjss-162	170	4	al	al	PROPN
esutjss-162	170	5	.	.	PROPN
esutjss-162	170	6	,	,	PUNCT
esutjss-162	170	7	2020	2020	NUM
esutjss-162	170	8	)	)	PUNCT
esutjss-162	170	9	.	.	PUNCT
esutjss-162	171	1	therefore	therefore	ADV
esutjss-162	171	2	,	,	PUNCT
esutjss-162	171	3	firms	firm	NOUN
esutjss-162	171	4	across	across	ADP
esutjss-162	171	5	practically	practically	ADV
esutjss-162	171	6	all	all	DET
esutjss-162	171	7	industries	industry	NOUN
esutjss-162	171	8	have	have	AUX
esutjss-162	171	9	undertaken	undertake	VERB
esutjss-162	171	10	a	a	DET
esutjss-162	171	11	variety	variety	NOUN
esutjss-162	171	12	of	of	ADP
esutjss-162	171	13	projects	project	NOUN
esutjss-162	171	14	in	in	ADP
esutjss-162	171	15	recent	recent	ADJ
esutjss-162	171	16	years	year	NOUN
esutjss-162	171	17	to	to	PART
esutjss-162	171	18	investigate	investigate	VERB
esutjss-162	171	19	new	new	ADJ
esutjss-162	171	20	digital	digital	ADJ
esutjss-162	171	21	technologies	technology	NOUN
esutjss-162	171	22	and	and	CCONJ
esutjss-162	171	23	capitalize	capitalize	VERB
esutjss-162	171	24	on	on	ADP
esutjss-162	171	25	their	their	PRON
esutjss-162	171	26	benefits	benefit	NOUN
esutjss-162	171	27	.	.	PUNCT
esutjss-162	172	1	this	this	PRON
esutjss-162	172	2	typically	typically	ADV
esutjss-162	172	3	entails	entail	VERB
esutjss-162	172	4	changes	change	NOUN
esutjss-162	172	5	to	to	ADP
esutjss-162	172	6	essential	essential	ADJ
esutjss-162	172	7	company	company	NOUN
esutjss-162	172	8	activities	activity	NOUN
esutjss-162	172	9	and	and	CCONJ
esutjss-162	172	10	has	have	VERB
esutjss-162	172	11	an	an	DET
esutjss-162	172	12	impact	impact	NOUN
esutjss-162	172	13	on	on	ADP
esutjss-162	172	14	goods	good	NOUN
esutjss-162	172	15	,	,	PUNCT
esutjss-162	172	16	processes	process	NOUN
esutjss-162	172	17	,	,	PUNCT
esutjss-162	172	18	organizational	organizational	ADJ
esutjss-162	172	19	structures	structure	NOUN
esutjss-162	172	20	,	,	PUNCT
esutjss-162	172	21	and	and	CCONJ
esutjss-162	172	22	management	management	NOUN
esutjss-162	172	23	philosophies	philosophy	NOUN
esutjss-162	172	24	.	.	PUNCT
esutjss-162	173	1	to	to	PART
esutjss-162	173	2	manage	manage	VERB
esutjss-162	173	3	these	these	DET
esutjss-162	173	4	complicated	complicated	ADJ
esutjss-162	173	5	shifts	shift	NOUN
esutjss-162	173	6	,	,	PUNCT
esutjss-162	173	7	businesses	business	NOUN
esutjss-162	173	8	must	must	AUX
esutjss-162	173	9	adopt	adopt	VERB
esutjss-162	173	10	management	management	NOUN
esutjss-162	173	11	practices	practice	NOUN
esutjss-162	173	12	.	.	PUNCT
esutjss-162	174	1	formulating	formulate	VERB
esutjss-162	174	2	a	a	DET
esutjss-162	174	3	digital	digital	ADJ
esutjss-162	174	4	transformation	transformation	NOUN
esutjss-162	174	5	strategy	strategy	NOUN
esutjss-162	174	6	,	,	PUNCT
esutjss-162	174	7	which	which	PRON
esutjss-162	174	8	acts	act	VERB
esutjss-162	174	9	as	as	ADP
esutjss-162	174	10	a	a	DET
esutjss-162	174	11	primary	primary	ADJ
esutjss-162	174	12	idea	idea	NOUN
esutjss-162	174	13	for	for	ADP
esutjss-162	174	14	integrating	integrate	VERB
esutjss-162	174	15	the	the	DET
esutjss-162	174	16	complete	complete	ADJ
esutjss-162	174	17	coordination	coordination	NOUN
esutjss-162	174	18	,	,	PUNCT
esutjss-162	174	19	prioritizing	prioritize	VERB
esutjss-162	174	20	,	,	PUNCT
esutjss-162	174	21	and	and	CCONJ
esutjss-162	174	22	implementation	implementation	NOUN
esutjss-162	174	23	of	of	ADP
esutjss-162	174	24	digital	digital	ADJ
esutjss-162	174	25	changes	change	NOUN
esutjss-162	174	26	inside	inside	ADP
esutjss-162	174	27	a	a	DET
esutjss-162	174	28	company	company	NOUN
esutjss-162	174	29	,	,	PUNCT
esutjss-162	174	30	is	be	AUX
esutjss-162	174	31	an	an	DET
esutjss-162	174	32	93	93	NUM
esutjss-162	174	33	essential	essential	ADJ
esutjss-162	174	34	technique	technique	NOUN
esutjss-162	174	35	.	.	PUNCT
esutjss-162	175	1	by	by	ADP
esutjss-162	175	2	affecting	affect	VERB
esutjss-162	175	3	goods	good	NOUN
esutjss-162	175	4	,	,	PUNCT
esutjss-162	175	5	business	business	NOUN
esutjss-162	175	6	processes	process	NOUN
esutjss-162	175	7	,	,	PUNCT
esutjss-162	175	8	sales	sale	NOUN
esutjss-162	175	9	channels	channel	NOUN
esutjss-162	175	10	,	,	PUNCT
esutjss-162	175	11	and	and	CCONJ
esutjss-162	175	12	supply	supply	NOUN
esutjss-162	175	13	chains	chain	NOUN
esutjss-162	175	14	,	,	PUNCT
esutjss-162	175	15	the	the	DET
esutjss-162	175	16	exploitation	exploitation	NOUN
esutjss-162	175	17	and	and	CCONJ
esutjss-162	175	18	integration	integration	NOUN
esutjss-162	175	19	of	of	ADP
esutjss-162	175	20	digital	digital	ADJ
esutjss-162	175	21	technology	technology	NOUN
esutjss-162	175	22	typically	typically	ADV
esutjss-162	175	23	affects	affect	VERB
esutjss-162	175	24	huge	huge	ADJ
esutjss-162	175	25	areas	area	NOUN
esutjss-162	175	26	of	of	ADP
esutjss-162	175	27	enterprises	enterprise	NOUN
esutjss-162	175	28	and	and	CCONJ
esutjss-162	175	29	even	even	ADV
esutjss-162	175	30	extends	extend	VERB
esutjss-162	175	31	beyond	beyond	ADP
esutjss-162	175	32	their	their	PRON
esutjss-162	175	33	borders	border	NOUN
esutjss-162	175	34	.	.	PUNCT
esutjss-162	176	1	increases	increase	NOUN
esutjss-162	176	2	in	in	ADP
esutjss-162	176	3	sales	sale	NOUN
esutjss-162	176	4	or	or	CCONJ
esutjss-162	176	5	productivity	productivity	NOUN
esutjss-162	176	6	,	,	PUNCT
esutjss-162	176	7	innovations	innovation	NOUN
esutjss-162	176	8	in	in	ADP
esutjss-162	176	9	value	value	NOUN
esutjss-162	176	10	creation	creation	NOUN
esutjss-162	176	11	,	,	PUNCT
esutjss-162	176	12	and	and	CCONJ
esutjss-162	176	13	unique	unique	ADJ
esutjss-162	176	14	ways	way	NOUN
esutjss-162	176	15	of	of	ADP
esutjss-162	176	16	connection	connection	NOUN
esutjss-162	176	17	with	with	ADP
esutjss-162	176	18	consumers	consumer	NOUN
esutjss-162	176	19	are	be	AUX
esutjss-162	176	20	just	just	ADV
esutjss-162	176	21	a	a	DET
esutjss-162	176	22	few	few	ADJ
esutjss-162	176	23	of	of	ADP
esutjss-162	176	24	the	the	DET
esutjss-162	176	25	potential	potential	ADJ
esutjss-162	176	26	advantages	advantage	NOUN
esutjss-162	176	27	of	of	ADP
esutjss-162	176	28	digitization	digitization	NOUN
esutjss-162	176	29	.	.	PUNCT
esutjss-162	177	1	as	as	ADP
esutjss-162	177	2	a	a	DET
esutjss-162	177	3	result	result	NOUN
esutjss-162	177	4	,	,	PUNCT
esutjss-162	177	5	business	business	NOUN
esutjss-162	177	6	models	model	NOUN
esutjss-162	177	7	might	might	AUX
esutjss-162	177	8	be	be	AUX
esutjss-162	177	9	altered	alter	VERB
esutjss-162	177	10	or	or	CCONJ
esutjss-162	177	11	eliminated	eliminate	VERB
esutjss-162	177	12	entirely	entirely	ADV
esutjss-162	177	13	(	(	PUNCT
esutjss-162	177	14	downes	downe	NOUN
esutjss-162	177	15	&	&	CCONJ
esutjss-162	177	16	nunes	nunes	PROPN
esutjss-162	177	17	2013	2013	NUM
esutjss-162	177	18	)	)	PUNCT
esutjss-162	177	19	.	.	PUNCT
esutjss-162	178	1	digital	digital	ADJ
esutjss-162	178	2	transformation	transformation	NOUN
esutjss-162	178	3	strategies	strategy	NOUN
esutjss-162	178	4	attempt	attempt	VERB
esutjss-162	178	5	to	to	PART
esutjss-162	178	6	organize	organize	VERB
esutjss-162	178	7	and	and	CCONJ
esutjss-162	178	8	prioritize	prioritize	VERB
esutjss-162	178	9	the	the	DET
esutjss-162	178	10	numerous	numerous	ADJ
esutjss-162	178	11	different	different	ADJ
esutjss-162	178	12	threads	thread	NOUN
esutjss-162	178	13	of	of	ADP
esutjss-162	178	14	digital	digital	ADJ
esutjss-162	178	15	transformation	transformation	NOUN
esutjss-162	178	16	because	because	SCONJ
esutjss-162	178	17	to	to	ADP
esutjss-162	178	18	its	its	PRON
esutjss-162	178	19	broad	broad	ADJ
esutjss-162	178	20	breadth	breadth	NOUN
esutjss-162	178	21	and	and	CCONJ
esutjss-162	178	22	farreaching	farreache	VERB
esutjss-162	178	23	impacts	impact	NOUN
esutjss-162	178	24	.	.	PUNCT
esutjss-162	179	1	digital	digital	ADJ
esutjss-162	179	2	transformation	transformation	NOUN
esutjss-162	179	3	strategies	strategy	NOUN
esutjss-162	179	4	should	should	AUX
esutjss-162	179	5	be	be	AUX
esutjss-162	179	6	connected	connect	VERB
esutjss-162	179	7	with	with	ADP
esutjss-162	179	8	other	other	ADJ
esutjss-162	179	9	business	business	NOUN
esutjss-162	179	10	strategies	strategy	NOUN
esutjss-162	179	11	to	to	PART
esutjss-162	179	12	account	account	VERB
esutjss-162	179	13	for	for	ADP
esutjss-162	179	14	their	their	PRON
esutjss-162	179	15	company	company	NOUN
esutjss-162	179	16	-	-	PUNCT
esutjss-162	179	17	spanning	span	VERB
esutjss-162	179	18	features	feature	NOUN
esutjss-162	179	19	.	.	PUNCT
esutjss-162	180	1	while	while	SCONJ
esutjss-162	180	2	there	there	PRON
esutjss-162	180	3	are	be	VERB
esutjss-162	180	4	many	many	ADJ
esutjss-162	180	5	different	different	ADJ
esutjss-162	180	6	types	type	NOUN
esutjss-162	180	7	of	of	ADP
esutjss-162	180	8	it	it	PRON
esutjss-162	180	9	strategies	strategy	NOUN
esutjss-162	180	10	(	(	PUNCT
esutjss-162	180	11	teubner	teubner	NOUN
esutjss-162	180	12	2013	2013	NUM
esutjss-162	180	13	)	)	PUNCT
esutjss-162	180	14	,	,	PUNCT
esutjss-162	180	15	they	they	PRON
esutjss-162	180	16	all	all	PRON
esutjss-162	180	17	define	define	VERB
esutjss-162	180	18	the	the	DET
esutjss-162	180	19	current	current	ADJ
esutjss-162	180	20	and	and	CCONJ
esutjss-162	180	21	future	future	ADJ
esutjss-162	180	22	operational	operational	ADJ
esutjss-162	180	23	activities	activity	NOUN
esutjss-162	180	24	,	,	PUNCT
esutjss-162	180	25	the	the	DET
esutjss-162	180	26	necessary	necessary	ADJ
esutjss-162	180	27	application	application	NOUN
esutjss-162	180	28	systems	system	NOUN
esutjss-162	180	29	and	and	CCONJ
esutjss-162	180	30	infrastructures	infrastructure	NOUN
esutjss-162	180	31	,	,	PUNCT
esutjss-162	180	32	and	and	CCONJ
esutjss-162	180	33	the	the	DET
esutjss-162	180	34	appropriate	appropriate	ADJ
esutjss-162	180	35	organizational	organizational	ADJ
esutjss-162	180	36	and	and	CCONJ
esutjss-162	180	37	financial	financial	ADJ
esutjss-162	180	38	framework	framework	NOUN
esutjss-162	180	39	for	for	ADP
esutjss-162	180	40	providing	provide	VERB
esutjss-162	180	41	it	it	PRON
esutjss-162	180	42	to	to	PART
esutjss-162	180	43	run	run	VERB
esutjss-162	180	44	a	a	DET
esutjss-162	180	45	company	company	NOUN
esutjss-162	180	46	's	's	PART
esutjss-162	180	47	business	business	NOUN
esutjss-162	180	48	.	.	PUNCT
esutjss-162	181	1	as	as	ADP
esutjss-162	181	2	a	a	DET
esutjss-162	181	3	result	result	NOUN
esutjss-162	181	4	,	,	PUNCT
esutjss-162	181	5	it	it	PRON
esutjss-162	181	6	plans	plan	VERB
esutjss-162	181	7	are	be	AUX
esutjss-162	181	8	typically	typically	ADV
esutjss-162	181	9	focused	focus	VERB
esutjss-162	181	10	on	on	ADP
esutjss-162	181	11	managing	manage	VERB
esutjss-162	181	12	a	a	DET
esutjss-162	181	13	company	company	NOUN
esutjss-162	181	14	's	's	PART
esutjss-162	181	15	it	it	PRON
esutjss-162	181	16	infrastructure	infrastructure	NOUN
esutjss-162	181	17	,	,	PUNCT
esutjss-162	181	18	with	with	ADP
esutjss-162	181	19	little	little	ADJ
esutjss-162	181	20	influence	influence	NOUN
esutjss-162	181	21	on	on	ADP
esutjss-162	181	22	driving	drive	VERB
esutjss-162	181	23	business	business	NOUN
esutjss-162	181	24	growth	growth	NOUN
esutjss-162	181	25	innovation	innovation	NOUN
esutjss-162	181	26	.	.	PUNCT
esutjss-162	182	1	to	to	ADP
esutjss-162	182	2	some	some	DET
esutjss-162	182	3	extent	extent	NOUN
esutjss-162	182	4	,	,	PUNCT
esutjss-162	182	5	this	this	PRON
esutjss-162	182	6	limits	limit	VERB
esutjss-162	182	7	the	the	DET
esutjss-162	182	8	prospects	prospect	NOUN
esutjss-162	182	9	for	for	ADP
esutjss-162	182	10	product	product	NOUN
esutjss-162	182	11	-	-	PUNCT
esutjss-162	182	12	centric	centric	ADJ
esutjss-162	182	13	and	and	CCONJ
esutjss-162	182	14	customer	customer	NOUN
esutjss-162	182	15	-	-	PUNCT
esutjss-162	182	16	centric	centric	NOUN
esutjss-162	182	17	innovation	innovation	NOUN
esutjss-162	182	18	that	that	PRON
esutjss-162	182	19	emerge	emerge	VERB
esutjss-162	182	20	from	from	ADP
esutjss-162	182	21	new	new	ADJ
esutjss-162	182	22	digital	digital	ADJ
esutjss-162	182	23	technologies	technology	NOUN
esutjss-162	182	24	,	,	PUNCT
esutjss-162	182	25	which	which	PRON
esutjss-162	182	26	frequently	frequently	ADV
esutjss-162	182	27	span	span	VERB
esutjss-162	182	28	company	company	NOUN
esutjss-162	182	29	boundaries	boundary	NOUN
esutjss-162	182	30	.	.	PUNCT
esutjss-162	183	1	furthermore	furthermore	ADV
esutjss-162	183	2	,	,	PUNCT
esutjss-162	183	3	it	it	PRON
esutjss-162	183	4	plans	plan	VERB
esutjss-162	183	5	provide	provide	VERB
esutjss-162	183	6	system	system	NOUN
esutjss-162	183	7	-	-	PUNCT
esutjss-162	183	8	centric	centric	ADJ
esutjss-162	183	9	road	road	NOUN
esutjss-162	183	10	maps	map	NOUN
esutjss-162	183	11	for	for	ADP
esutjss-162	183	12	a	a	DET
esutjss-162	183	13	company	company	NOUN
esutjss-162	183	14	's	's	PART
esutjss-162	183	15	future	future	ADJ
esutjss-162	183	16	technology	technology	NOUN
esutjss-162	183	17	uses	use	VERB
esutjss-162	183	18	,	,	PUNCT
esutjss-162	183	19	but	but	CCONJ
esutjss-162	183	20	they	they	PRON
esutjss-162	183	21	may	may	AUX
esutjss-162	183	22	not	not	PART
esutjss-162	183	23	always	always	ADV
esutjss-162	183	24	account	account	VERB
esutjss-162	183	25	for	for	ADP
esutjss-162	183	26	the	the	DET
esutjss-162	183	27	transformation	transformation	NOUN
esutjss-162	183	28	of	of	ADP
esutjss-162	183	29	goods	good	NOUN
esutjss-162	183	30	,	,	PUNCT
esutjss-162	183	31	processes	process	NOUN
esutjss-162	183	32	,	,	PUNCT
esutjss-162	183	33	and	and	CCONJ
esutjss-162	183	34	structural	structural	ADJ
esutjss-162	183	35	features	feature	NOUN
esutjss-162	183	36	that	that	PRON
esutjss-162	183	37	come	come	VERB
esutjss-162	183	38	with	with	ADP
esutjss-162	183	39	technology	technology	NOUN
esutjss-162	183	40	integration	integration	NOUN
esutjss-162	183	41	.	.	PUNCT
esutjss-162	184	1	different	different	ADJ
esutjss-162	184	2	aims	aim	NOUN
esutjss-162	184	3	and	and	CCONJ
esutjss-162	184	4	perspectives	perspective	NOUN
esutjss-162	184	5	are	be	AUX
esutjss-162	184	6	pursued	pursue	VERB
esutjss-162	184	7	by	by	ADP
esutjss-162	184	8	digital	digital	ADJ
esutjss-162	184	9	transformation	transformation	NOUN
esutjss-162	184	10	strategies	strategy	NOUN
esutjss-162	184	11	.	.	PUNCT
esutjss-162	185	1	these	these	DET
esutjss-162	185	2	strategies	strategy	NOUN
esutjss-162	185	3	,	,	PUNCT
esutjss-162	185	4	which	which	PRON
esutjss-162	185	5	are	be	AUX
esutjss-162	185	6	based	base	VERB
esutjss-162	185	7	on	on	ADP
esutjss-162	185	8	a	a	DET
esutjss-162	185	9	business	business	NOUN
esutjss-162	185	10	-	-	PUNCT
esutjss-162	185	11	centric	centric	ADJ
esutjss-162	185	12	approach	approach	NOUN
esutjss-162	185	13	,	,	PUNCT
esutjss-162	185	14	focus	focus	VERB
esutjss-162	185	15	on	on	ADP
esutjss-162	185	16	the	the	DET
esutjss-162	185	17	transformation	transformation	NOUN
esutjss-162	185	18	of	of	ADP
esutjss-162	185	19	products	product	NOUN
esutjss-162	185	20	,	,	PUNCT
esutjss-162	185	21	processes	process	NOUN
esutjss-162	185	22	,	,	PUNCT
esutjss-162	185	23	and	and	CCONJ
esutjss-162	185	24	organizational	organizational	ADJ
esutjss-162	185	25	aspects	aspect	NOUN
esutjss-162	185	26	as	as	ADP
esutjss-162	185	27	a	a	DET
esutjss-162	185	28	result	result	NOUN
esutjss-162	185	29	of	of	ADP
esutjss-162	185	30	new	new	ADJ
esutjss-162	185	31	technologies	technology	NOUN
esutjss-162	185	32	.	.	PUNCT
esutjss-162	186	1	their	their	PRON
esutjss-162	186	2	scope	scope	NOUN
esutjss-162	186	3	is	be	AUX
esutjss-162	186	4	more	more	ADV
esutjss-162	186	5	expansive	expansive	ADJ
esutjss-162	186	6	,	,	PUNCT
esutjss-162	186	7	explicitly	explicitly	ADV
esutjss-162	186	8	including	include	VERB
esutjss-162	186	9	digital	digital	ADJ
esutjss-162	186	10	activities	activity	NOUN
esutjss-162	186	11	at	at	ADP
esutjss-162	186	12	the	the	DET
esutjss-162	186	13	customer	customer	NOUN
esutjss-162	186	14	interface	interface	NOUN
esutjss-162	186	15	or	or	CCONJ
esutjss-162	186	16	entirely	entirely	ADV
esutjss-162	186	17	on	on	ADP
esutjss-162	186	18	the	the	DET
esutjss-162	186	19	customer	customer	NOUN
esutjss-162	186	20	's	's	PART
esutjss-162	186	21	side	side	NOUN
esutjss-162	186	22	,	,	PUNCT
esutjss-162	186	23	such	such	ADJ
esutjss-162	186	24	as	as	ADP
esutjss-162	186	25	digital	digital	ADJ
esutjss-162	186	26	technologies	technology	NOUN
esutjss-162	186	27	embedded	embed	VERB
esutjss-162	186	28	in	in	ADP
esutjss-162	186	29	end	end	NOUN
esutjss-162	186	30	-	-	PUNCT
esutjss-162	186	31	user	user	NOUN
esutjss-162	186	32	products	product	NOUN
esutjss-162	186	33	.	.	PUNCT
esutjss-162	187	1	this	this	PRON
esutjss-162	187	2	is	be	AUX
esutjss-162	187	3	a	a	DET
esutjss-162	187	4	significant	significant	ADJ
esutjss-162	187	5	distinction	distinction	NOUN
esutjss-162	187	6	from	from	ADP
esutjss-162	187	7	process	process	NOUN
esutjss-162	187	8	automation	automation	NOUN
esutjss-162	187	9	and	and	CCONJ
esutjss-162	187	10	optimization	optimization	NOUN
esutjss-162	187	11	,	,	PUNCT
esutjss-162	187	12	because	because	SCONJ
esutjss-162	187	13	digital	digital	ADJ
esutjss-162	187	14	transformation	transformation	NOUN
esutjss-162	187	15	strategies	strategy	NOUN
esutjss-162	187	16	encompass	encompass	VERB
esutjss-162	187	17	changes	change	NOUN
esutjss-162	187	18	to	to	ADP
esutjss-162	187	19	and	and	CCONJ
esutjss-162	187	20	ramifications	ramification	NOUN
esutjss-162	187	21	for	for	ADP
esutjss-162	187	22	goods	good	NOUN
esutjss-162	187	23	,	,	PUNCT
esutjss-162	187	24	services	service	NOUN
esutjss-162	187	25	,	,	PUNCT
esutjss-162	187	26	and	and	CCONJ
esutjss-162	187	27	business	business	NOUN
esutjss-162	187	28	models	model	NOUN
esutjss-162	187	29	as	as	ADP
esutjss-162	187	30	a	a	DET
esutjss-162	187	31	whole	whole	NOUN
esutjss-162	187	32	.	.	PUNCT
esutjss-162	188	1	it	it	PRON
esutjss-162	188	2	is	be	AUX
esutjss-162	188	3	vital	vital	ADJ
esutjss-162	188	4	to	to	PART
esutjss-162	188	5	have	have	VERB
esutjss-162	188	6	a	a	DET
esutjss-162	188	7	close	close	ADJ
esutjss-162	188	8	match	match	NOUN
esutjss-162	188	9	between	between	ADP
esutjss-162	188	10	digital	digital	ADJ
esutjss-162	188	11	transformation	transformation	NOUN
esutjss-162	188	12	plans	plan	NOUN
esutjss-162	188	13	,	,	PUNCT
esutjss-162	188	14	it	it	PRON
esutjss-162	188	15	strategies	strategy	NOUN
esutjss-162	188	16	,	,	PUNCT
esutjss-162	188	17	and	and	CCONJ
esutjss-162	188	18	all	all	DET
esutjss-162	188	19	other	other	ADJ
esutjss-162	188	20	organizational	organizational	ADJ
esutjss-162	188	21	and	and	CCONJ
esutjss-162	188	22	functional	functional	ADJ
esutjss-162	188	23	strategies	strategy	NOUN
esutjss-162	188	24	,	,	PUNCT
esutjss-162	188	25	similar	similar	ADJ
esutjss-162	188	26	to	to	ADP
esutjss-162	188	27	the	the	DET
esutjss-162	188	28	prior	prior	ADJ
esutjss-162	188	29	debate	debate	NOUN
esutjss-162	188	30	on	on	ADP
esutjss-162	188	31	the	the	DET
esutjss-162	188	32	alignment	alignment	NOUN
esutjss-162	188	33	of	of	ADP
esutjss-162	188	34	business	business	NOUN
esutjss-162	188	35	and	and	CCONJ
esutjss-162	188	36	it	it	PRON
esutjss-162	189	1	strategies	strategy	NOUN
esutjss-162	189	2	(	(	PUNCT
esutjss-162	189	3	henderson	henderson	PROPN
esutjss-162	189	4	&	&	CCONJ
esutjss-162	189	5	venkatraman	venkatraman	PROPN
esutjss-162	189	6	1993	1993	NUM
esutjss-162	189	7	)	)	PUNCT
esutjss-162	189	8	.	.	PUNCT
esutjss-162	190	1	this	this	DET
esutjss-162	190	2	subject	subject	NOUN
esutjss-162	190	3	has	have	AUX
esutjss-162	190	4	been	be	AUX
esutjss-162	190	5	researched	research	VERB
esutjss-162	190	6	,	,	PUNCT
esutjss-162	190	7	with	with	ADP
esutjss-162	190	8	the	the	DET
esutjss-162	190	9	goal	goal	NOUN
esutjss-162	190	10	of	of	ADP
esutjss-162	190	11	combining	combine	VERB
esutjss-162	190	12	it	it	PRON
esutjss-162	190	13	and	and	CCONJ
esutjss-162	190	14	business	business	NOUN
esutjss-162	190	15	strategies	strategy	NOUN
esutjss-162	190	16	into	into	ADP
esutjss-162	190	17	a	a	DET
esutjss-162	190	18	coherent	coherent	ADJ
esutjss-162	190	19	"	"	PUNCT
esutjss-162	190	20	digital	digital	ADJ
esutjss-162	190	21	business	business	NOUN
esutjss-162	190	22	plan	plan	NOUN
esutjss-162	190	23	"	"	PUNCT
esutjss-162	190	24	(	(	PUNCT
esutjss-162	190	25	bharadwaj	bharadwaj	PROPN
esutjss-162	190	26	et	et	PROPN
esutjss-162	190	27	al	al	PROPN
esutjss-162	190	28	.	.	PROPN
esutjss-162	190	29	2013	2013	NUM
esutjss-162	190	30	)	)	PUNCT
esutjss-162	190	31	.	.	PUNCT
esutjss-162	191	1	the	the	DET
esutjss-162	191	2	potential	potential	NOUN
esutjss-162	191	3	and	and	CCONJ
esutjss-162	191	4	implications	implication	NOUN
esutjss-162	191	5	of	of	ADP
esutjss-162	191	6	digital	digital	ADJ
esutjss-162	191	7	technology	technology	NOUN
esutjss-162	191	8	for	for	ADP
esutjss-162	191	9	businesses	business	NOUN
esutjss-162	191	10	are	be	AUX
esutjss-162	191	11	frequently	frequently	ADV
esutjss-162	191	12	discussed	discuss	VERB
esutjss-162	191	13	in	in	ADP
esutjss-162	191	14	digital	digital	ADJ
esutjss-162	191	15	business	business	NOUN
esutjss-162	191	16	strategy	strategy	NOUN
esutjss-162	191	17	.	.	PUNCT
esutjss-162	192	1	for	for	ADP
esutjss-162	192	2	example	example	NOUN
esutjss-162	192	3	,	,	PUNCT
esutjss-162	192	4	oestreicher	oestreicher	NOUN
esutjss-162	192	5	-	-	PUNCT
esutjss-162	192	6	singer	singer	NOUN
esutjss-162	192	7	&	&	CCONJ
esutjss-162	192	8	zalmanson	zalmanson	PROPN
esutjss-162	192	9	(	(	PUNCT
esutjss-162	192	10	2013	2013	NUM
esutjss-162	192	11	)	)	PUNCT
esutjss-162	192	12	examine	examine	VERB
esutjss-162	192	13	the	the	DET
esutjss-162	192	14	relationship	relationship	NOUN
esutjss-162	192	15	between	between	ADP
esutjss-162	192	16	content	content	NOUN
esutjss-162	192	17	and	and	CCONJ
esutjss-162	192	18	community	community	NOUN
esutjss-162	192	19	,	,	PUNCT
esutjss-162	192	20	demonstrating	demonstrate	VERB
esutjss-162	192	21	that	that	SCONJ
esutjss-162	192	22	community	community	NOUN
esutjss-162	192	23	-	-	PUNCT
esutjss-162	192	24	based	base	VERB
esutjss-162	192	25	digital	digital	ADJ
esutjss-162	192	26	business	business	NOUN
esutjss-162	192	27	models	model	NOUN
esutjss-162	192	28	may	may	AUX
esutjss-162	192	29	generate	generate	VERB
esutjss-162	192	30	lucrative	lucrative	ADJ
esutjss-162	192	31	income	income	NOUN
esutjss-162	192	32	streams	stream	NOUN
esutjss-162	192	33	even	even	ADV
esutjss-162	192	34	in	in	ADP
esutjss-162	192	35	the	the	DET
esutjss-162	192	36	face	face	NOUN
esutjss-162	192	37	of	of	ADP
esutjss-162	192	38	'	'	PUNCT
esutjss-162	192	39	freemium	freemium	NOUN
esutjss-162	192	40	'	'	PUNCT
esutjss-162	192	41	business	business	NOUN
esutjss-162	192	42	models	model	NOUN
esutjss-162	192	43	.	.	PUNCT
esutjss-162	193	1	drnevich	drnevich	PROPN
esutjss-162	193	2	and	and	CCONJ
esutjss-162	193	3	croson	croson	PROPN
esutjss-162	193	4	(	(	PUNCT
esutjss-162	193	5	2013	2013	NUM
esutjss-162	193	6	)	)	PUNCT
esutjss-162	193	7	demonstrate	demonstrate	VERB
esutjss-162	193	8	how	how	SCONJ
esutjss-162	193	9	information	information	NOUN
esutjss-162	193	10	technology	technology	NOUN
esutjss-162	193	11	might	might	AUX
esutjss-162	193	12	affect	affect	VERB
esutjss-162	193	13	a	a	DET
esutjss-162	193	14	company	company	NOUN
esutjss-162	193	15	's	's	PART
esutjss-162	193	16	business	business	NOUN
esutjss-162	193	17	plans	plan	NOUN
esutjss-162	193	18	and	and	CCONJ
esutjss-162	193	19	capabilities	capability	NOUN
esutjss-162	193	20	.	.	PUNCT
esutjss-162	194	1	as	as	ADP
esutjss-162	194	2	a	a	DET
esutjss-162	194	3	result	result	NOUN
esutjss-162	194	4	,	,	PUNCT
esutjss-162	194	5	while	while	SCONJ
esutjss-162	194	6	digital	digital	ADJ
esutjss-162	194	7	business	business	NOUN
esutjss-162	194	8	plans	plan	NOUN
esutjss-162	194	9	frequently	frequently	ADV
esutjss-162	194	10	identify	identify	VERB
esutjss-162	194	11	desirable	desirable	ADJ
esutjss-162	194	12	future	future	ADJ
esutjss-162	194	13	business	business	NOUN
esutjss-162	194	14	prospects	prospect	NOUN
esutjss-162	194	15	and	and	CCONJ
esutjss-162	194	16	strategies	strategy	NOUN
esutjss-162	194	17	for	for	ADP
esutjss-162	194	18	organizations	organization	NOUN
esutjss-162	194	19	that	that	PRON
esutjss-162	194	20	are	be	AUX
esutjss-162	194	21	partially	partially	ADV
esutjss-162	194	22	or	or	CCONJ
esutjss-162	194	23	entirely	entirely	ADV
esutjss-162	194	24	reliant	reliant	ADJ
esutjss-162	194	25	on	on	ADP
esutjss-162	194	26	digital	digital	ADJ
esutjss-162	194	27	technology	technology	NOUN
esutjss-162	194	28	,	,	PUNCT
esutjss-162	194	29	they	they	PRON
esutjss-162	194	30	seldom	seldom	ADV
esutjss-162	194	31	provide	provide	VERB
esutjss-162	194	32	transformative	transformative	ADJ
esutjss-162	194	33	insights	insight	NOUN
esutjss-162	194	34	about	about	ADP
esutjss-162	194	35	how	how	SCONJ
esutjss-162	194	36	to	to	PART
esutjss-162	194	37	achieve	achieve	VERB
esutjss-162	194	38	these	these	DET
esutjss-162	194	39	future	future	ADJ
esutjss-162	194	40	states	state	NOUN
esutjss-162	194	41	.	.	PUNCT
esutjss-162	195	1	a	a	DET
esutjss-162	195	2	digital	digital	ADJ
esutjss-162	195	3	transformation	transformation	NOUN
esutjss-162	195	4	plan	plan	NOUN
esutjss-162	195	5	,	,	PUNCT
esutjss-162	195	6	on	on	ADP
esutjss-162	195	7	the	the	DET
esutjss-162	195	8	other	other	ADJ
esutjss-162	195	9	hand	hand	NOUN
esutjss-162	195	10	,	,	PUNCT
esutjss-162	195	11	is	be	AUX
esutjss-162	195	12	a	a	DET
esutjss-162	195	13	blueprint	blueprint	NOUN
esutjss-162	195	14	that	that	PRON
esutjss-162	195	15	aids	aid	VERB
esutjss-162	195	16	businesses	business	NOUN
esutjss-162	195	17	in	in	ADP
esutjss-162	195	18	controlling	control	VERB
esutjss-162	195	19	the	the	DET
esutjss-162	195	20	transformations	transformation	NOUN
esutjss-162	195	21	that	that	PRON
esutjss-162	195	22	occur	occur	VERB
esutjss-162	195	23	as	as	ADP
esutjss-162	195	24	a	a	DET
esutjss-162	195	25	result	result	NOUN
esutjss-162	195	26	of	of	ADP
esutjss-162	195	27	the	the	DET
esutjss-162	195	28	integration	integration	NOUN
esutjss-162	195	29	of	of	ADP
esutjss-162	195	30	digital	digital	ADJ
esutjss-162	195	31	technology	technology	NOUN
esutjss-162	195	32	,	,	PUNCT
esutjss-162	195	33	as	as	ADV
esutjss-162	195	34	well	well	ADV
esutjss-162	195	35	as	as	ADP
esutjss-162	195	36	in	in	ADP
esutjss-162	195	37	their	their	PRON
esutjss-162	195	38	operations	operation	NOUN
esutjss-162	195	39	following	follow	VERB
esutjss-162	195	40	the	the	DET
esutjss-162	195	41	transition	transition	NOUN
esutjss-162	195	42	.	.	PUNCT
esutjss-162	196	1	despite	despite	SCONJ
esutjss-162	196	2	early	early	ADJ
esutjss-162	196	3	research	research	NOUN
esutjss-162	196	4	efforts	effort	NOUN
esutjss-162	196	5	and	and	CCONJ
esutjss-162	196	6	common	common	ADJ
esutjss-162	196	7	practice	practice	NOUN
esutjss-162	196	8	issues	issue	NOUN
esutjss-162	196	9	,	,	PUNCT
esutjss-162	196	10	academia	academia	NOUN
esutjss-162	196	11	currently	currently	ADV
esutjss-162	196	12	lacks	lack	VERB
esutjss-162	196	13	explicit	explicit	ADJ
esutjss-162	196	14	instructions	instruction	NOUN
esutjss-162	196	15	for	for	ADP
esutjss-162	196	16	businesses	business	NOUN
esutjss-162	196	17	on	on	ADP
esutjss-162	196	18	how	how	SCONJ
esutjss-162	196	19	to	to	PART
esutjss-162	196	20	create	create	VERB
esutjss-162	196	21	,	,	PUNCT
esutjss-162	196	22	implement	implement	VERB
esutjss-162	196	23	,	,	PUNCT
esutjss-162	196	24	and	and	CCONJ
esutjss-162	196	25	assess	assess	VERB
esutjss-162	196	26	digital	digital	ADJ
esutjss-162	196	27	transformation	transformation	NOUN
esutjss-162	196	28	strategies	strategy	NOUN
esutjss-162	196	29	.	.	PUNCT
esutjss-162	197	1	94	94	NUM
esutjss-162	197	2	sustainability	sustainability	NOUN
esutjss-162	197	3	theory	theory	NOUN
esutjss-162	197	4	theory	theory	NOUN
esutjss-162	197	5	of	of	ADP
esutjss-162	197	6	sustainability	sustainability	NOUN
esutjss-162	197	7	was	be	AUX
esutjss-162	197	8	first	first	ADV
esutjss-162	197	9	used	use	VERB
esutjss-162	197	10	by	by	ADP
esutjss-162	197	11	john	john	PROPN
esutjss-162	197	12	elkington	elkington	PROPN
esutjss-162	197	13	,	,	PUNCT
esutjss-162	197	14	the	the	DET
esutjss-162	197	15	founder	founder	NOUN
esutjss-162	197	16	of	of	ADP
esutjss-162	197	17	a	a	DET
esutjss-162	197	18	sustainability	sustainability	NOUN
esutjss-162	197	19	consultancy	consultancy	NOUN
esutjss-162	197	20	firm	firm	NOUN
esutjss-162	197	21	.	.	PUNCT
esutjss-162	198	1	the	the	DET
esutjss-162	198	2	expression	expression	NOUN
esutjss-162	198	3	means	mean	VERB
esutjss-162	198	4	that	that	SCONJ
esutjss-162	198	5	companies	company	NOUN
esutjss-162	198	6	should	should	AUX
esutjss-162	198	7	consider	consider	VERB
esutjss-162	198	8	3	3	NUM
esutjss-162	198	9	different	different	ADJ
esutjss-162	198	10	bottom	bottom	ADJ
esutjss-162	198	11	lines	line	NOUN
esutjss-162	198	12	in	in	ADP
esutjss-162	198	13	their	their	PRON
esutjss-162	198	14	businesses	business	NOUN
esutjss-162	198	15	–	–	PUNCT
esutjss-162	198	16	and	and	CCONJ
esutjss-162	198	17	not	not	PART
esutjss-162	198	18	only	only	ADV
esutjss-162	198	19	,	,	PUNCT
esutjss-162	198	20	as	as	SCONJ
esutjss-162	198	21	was	be	AUX
esutjss-162	198	22	usual	usual	ADJ
esutjss-162	198	23	at	at	ADP
esutjss-162	198	24	the	the	DET
esutjss-162	198	25	time	time	NOUN
esutjss-162	198	26	(	(	PUNCT
esutjss-162	198	27	and	and	CCONJ
esutjss-162	198	28	still	still	ADV
esutjss-162	198	29	is	be	AUX
esutjss-162	198	30	in	in	ADP
esutjss-162	198	31	many	many	ADJ
esutjss-162	198	32	companies	company	NOUN
esutjss-162	198	33	today	today	NOUN
esutjss-162	198	34	)	)	PUNCT
esutjss-162	198	35	,	,	PUNCT
esutjss-162	198	36	care	care	VERB
esutjss-162	198	37	about	about	ADP
esutjss-162	198	38	the	the	DET
esutjss-162	198	39	profit	profit	NOUN
esutjss-162	198	40	and	and	CCONJ
esutjss-162	198	41	loss	loss	NOUN
esutjss-162	198	42	account	account	NOUN
esutjss-162	198	43	.	.	PUNCT
esutjss-162	199	1	discussion	discussion	NOUN
esutjss-162	199	2	of	of	ADP
esutjss-162	199	3	sustainability	sustainability	NOUN
esutjss-162	199	4	within	within	ADP
esutjss-162	199	5	academia	academia	NOUN
esutjss-162	199	6	has	have	AUX
esutjss-162	199	7	ranged	range	VERB
esutjss-162	199	8	across	across	ADP
esutjss-162	199	9	many	many	ADJ
esutjss-162	199	10	perspectives	perspective	NOUN
esutjss-162	199	11	.	.	PUNCT
esutjss-162	200	1	economic	economic	ADJ
esutjss-162	200	2	analysts	analyst	NOUN
esutjss-162	200	3	have	have	AUX
esutjss-162	200	4	sometimes	sometimes	ADV
esutjss-162	200	5	defined	define	VERB
esutjss-162	200	6	the	the	DET
esutjss-162	200	7	concept	concept	NOUN
esutjss-162	200	8	in	in	ADP
esutjss-162	200	9	terms	term	NOUN
esutjss-162	200	10	of	of	ADP
esutjss-162	200	11	no	no	DET
esutjss-162	200	12	declining	decline	VERB
esutjss-162	200	13	per	per	ADP
esutjss-162	200	14	capita	capita	NOUN
esutjss-162	200	15	income	income	NOUN
esutjss-162	200	16	flows	flow	VERB
esutjss-162	200	17	over	over	ADP
esutjss-162	200	18	time	time	NOUN
esutjss-162	200	19	,	,	PUNCT
esutjss-162	200	20	or	or	CCONJ
esutjss-162	200	21	long	long	ADJ
esutjss-162	200	22	-	-	PUNCT
esutjss-162	200	23	term	term	NOUN
esutjss-162	200	24	economic	economic	ADJ
esutjss-162	200	25	growth	growth	NOUN
esutjss-162	200	26	,	,	PUNCT
esutjss-162	200	27	with	with	ADP
esutjss-162	200	28	minimal	minimal	ADJ
esutjss-162	200	29	environmental	environmental	ADJ
esutjss-162	200	30	impacts	impact	NOUN
esutjss-162	200	31	and	and	CCONJ
esutjss-162	200	32	debated	debate	VERB
esutjss-162	200	33	how	how	SCONJ
esutjss-162	200	34	to	to	PART
esutjss-162	200	35	maintain	maintain	VERB
esutjss-162	200	36	the	the	DET
esutjss-162	200	37	capital	capital	NOUN
esutjss-162	200	38	endowments	endowment	NOUN
esutjss-162	200	39	needed	need	VERB
esutjss-162	200	40	to	to	PART
esutjss-162	200	41	sustain	sustain	VERB
esutjss-162	200	42	those	those	DET
esutjss-162	200	43	income	income	NOUN
esutjss-162	200	44	flows	flow	NOUN
esutjss-162	200	45	.	.	PUNCT
esutjss-162	201	1	controversy	controversy	NOUN
esutjss-162	201	2	over	over	ADP
esutjss-162	201	3	the	the	DET
esutjss-162	201	4	substitutability	substitutability	NOUN
esutjss-162	201	5	of	of	ADP
esutjss-162	201	6	natural	natural	ADJ
esutjss-162	201	7	and	and	CCONJ
esutjss-162	201	8	human	human	NOUN
esutjss-162	201	9	-	-	PUNCT
esutjss-162	201	10	made	make	VERB
esutjss-162	201	11	capital	capital	NOUN
esutjss-162	201	12	has	have	AUX
esutjss-162	201	13	divided	divide	VERB
esutjss-162	201	14	proponents	proponent	NOUN
esutjss-162	201	15	of	of	ADP
esutjss-162	201	16	weak	weak	ADJ
esutjss-162	201	17	and	and	CCONJ
esutjss-162	201	18	strong	strong	ADJ
esutjss-162	201	19	sustainability	sustainability	NOUN
esutjss-162	201	20	:	:	PUNCT
esutjss-162	201	21	the	the	DET
esutjss-162	201	22	former	former	ADJ
esutjss-162	201	23	argue	argue	VERB
esutjss-162	201	24	that	that	SCONJ
esutjss-162	201	25	the	the	DET
esutjss-162	201	26	two	two	NUM
esutjss-162	201	27	types	type	NOUN
esutjss-162	201	28	of	of	ADP
esutjss-162	201	29	capital	capital	NOUN
esutjss-162	201	30	are	be	AUX
esutjss-162	201	31	largely	largely	ADV
esutjss-162	201	32	interchangeable	interchangeable	ADJ
esutjss-162	201	33	,	,	PUNCT
esutjss-162	201	34	whereas	whereas	SCONJ
esutjss-162	201	35	the	the	DET
esutjss-162	201	36	latter	latter	NOUN
esutjss-162	201	37	insist	insist	VERB
esutjss-162	201	38	that	that	SCONJ
esutjss-162	201	39	natural	natural	ADJ
esutjss-162	201	40	capital	capital	NOUN
esutjss-162	201	41	is	be	AUX
esutjss-162	201	42	increasingly	increasingly	ADV
esutjss-162	201	43	the	the	DET
esutjss-162	201	44	scarcest	scarcest	ADJ
esutjss-162	201	45	factor	factor	NOUN
esutjss-162	201	46	of	of	ADP
esutjss-162	201	47	production	production	NOUN
esutjss-162	201	48	.	.	PUNCT
esutjss-162	202	1	in	in	ADP
esutjss-162	202	2	addition	addition	NOUN
esutjss-162	202	3	,	,	PUNCT
esutjss-162	202	4	ecosystem	ecosystem	NOUN
esutjss-162	202	5	services	service	NOUN
esutjss-162	202	6	,	,	PUNCT
esutjss-162	202	7	such	such	ADJ
esutjss-162	202	8	as	as	ADP
esutjss-162	202	9	the	the	DET
esutjss-162	202	10	provision	provision	NOUN
esutjss-162	202	11	of	of	ADP
esutjss-162	202	12	clean	clean	ADJ
esutjss-162	202	13	water	water	NOUN
esutjss-162	202	14	or	or	CCONJ
esutjss-162	202	15	crop	crop	NOUN
esutjss-162	202	16	pollination	pollination	NOUN
esutjss-162	202	17	,	,	PUNCT
esutjss-162	202	18	are	be	AUX
esutjss-162	202	19	often	often	ADV
esutjss-162	202	20	undervalued	undervalue	VERB
esutjss-162	202	21	aspects	aspect	NOUN
esutjss-162	202	22	of	of	ADP
esutjss-162	202	23	natural	natural	ADJ
esutjss-162	202	24	capital	capital	NOUN
esutjss-162	202	25	that	that	PRON
esutjss-162	202	26	should	should	AUX
esutjss-162	202	27	be	be	AUX
esutjss-162	202	28	incorporated	incorporate	VERB
esutjss-162	202	29	into	into	ADP
esutjss-162	202	30	economic	economic	ADJ
esutjss-162	202	31	discussions	discussion	NOUN
esutjss-162	202	32	of	of	ADP
esutjss-162	202	33	sustainability	sustainability	NOUN
esutjss-162	202	34	.	.	PUNCT
esutjss-162	203	1	sustainability	sustainability	NOUN
esutjss-162	203	2	,	,	PUNCT
esutjss-162	203	3	the	the	DET
esutjss-162	203	4	long	long	ADJ
esutjss-162	203	5	-	-	PUNCT
esutjss-162	203	6	term	term	NOUN
esutjss-162	203	7	viability	viability	NOUN
esutjss-162	203	8	of	of	ADP
esutjss-162	203	9	a	a	DET
esutjss-162	203	10	community	community	NOUN
esutjss-162	203	11	,	,	PUNCT
esutjss-162	203	12	set	set	NOUN
esutjss-162	203	13	of	of	ADP
esutjss-162	203	14	social	social	ADJ
esutjss-162	203	15	institutions	institution	NOUN
esutjss-162	203	16	,	,	PUNCT
esutjss-162	203	17	or	or	CCONJ
esutjss-162	203	18	societal	societal	ADJ
esutjss-162	203	19	practice	practice	NOUN
esutjss-162	203	20	.	.	PUNCT
esutjss-162	204	1	in	in	ADP
esutjss-162	204	2	general	general	ADJ
esutjss-162	204	3	,	,	PUNCT
esutjss-162	204	4	sustainability	sustainability	NOUN
esutjss-162	204	5	is	be	AUX
esutjss-162	204	6	understood	understand	VERB
esutjss-162	204	7	as	as	ADP
esutjss-162	204	8	a	a	DET
esutjss-162	204	9	form	form	NOUN
esutjss-162	204	10	of	of	ADP
esutjss-162	204	11	intergenerational	intergenerational	ADJ
esutjss-162	204	12	ethics	ethic	NOUN
esutjss-162	204	13	in	in	ADP
esutjss-162	204	14	which	which	PRON
esutjss-162	204	15	the	the	DET
esutjss-162	204	16	environmental	environmental	ADJ
esutjss-162	204	17	and	and	CCONJ
esutjss-162	204	18	economic	economic	ADJ
esutjss-162	204	19	actions	action	NOUN
esutjss-162	204	20	taken	take	VERB
esutjss-162	204	21	by	by	ADP
esutjss-162	204	22	present	present	ADJ
esutjss-162	204	23	persons	person	NOUN
esutjss-162	204	24	do	do	AUX
esutjss-162	204	25	not	not	PART
esutjss-162	204	26	diminish	diminish	VERB
esutjss-162	204	27	the	the	DET
esutjss-162	204	28	opportunities	opportunity	NOUN
esutjss-162	204	29	of	of	ADP
esutjss-162	204	30	future	future	ADJ
esutjss-162	204	31	persons	person	NOUN
esutjss-162	204	32	to	to	PART
esutjss-162	204	33	enjoy	enjoy	VERB
esutjss-162	204	34	similar	similar	ADJ
esutjss-162	204	35	levels	level	NOUN
esutjss-162	204	36	of	of	ADP
esutjss-162	204	37	wealth	wealth	NOUN
esutjss-162	204	38	,	,	PUNCT
esutjss-162	204	39	utility	utility	NOUN
esutjss-162	204	40	,	,	PUNCT
esutjss-162	204	41	or	or	CCONJ
esutjss-162	204	42	welfare	welfare	NOUN
esutjss-162	204	43	.	.	PUNCT
esutjss-162	205	1	the	the	DET
esutjss-162	205	2	idea	idea	NOUN
esutjss-162	205	3	of	of	ADP
esutjss-162	205	4	sustainability	sustainability	NOUN
esutjss-162	205	5	rose	rise	VERB
esutjss-162	205	6	to	to	ADP
esutjss-162	205	7	prominence	prominence	NOUN
esutjss-162	205	8	with	with	ADP
esutjss-162	205	9	the	the	DET
esutjss-162	205	10	modern	modern	ADJ
esutjss-162	205	11	environmental	environmental	ADJ
esutjss-162	205	12	movement	movement	NOUN
esutjss-162	205	13	,	,	PUNCT
esutjss-162	205	14	which	which	PRON
esutjss-162	205	15	rebuked	rebuke	VERB
esutjss-162	205	16	the	the	DET
esutjss-162	205	17	unsustainable	unsustainable	ADJ
esutjss-162	205	18	character	character	NOUN
esutjss-162	205	19	of	of	ADP
esutjss-162	205	20	contemporary	contemporary	ADJ
esutjss-162	205	21	societies	society	NOUN
esutjss-162	205	22	where	where	SCONJ
esutjss-162	205	23	patterns	pattern	NOUN
esutjss-162	205	24	of	of	ADP
esutjss-162	205	25	resource	resource	NOUN
esutjss-162	205	26	use	use	NOUN
esutjss-162	205	27	,	,	PUNCT
esutjss-162	205	28	growth	growth	NOUN
esutjss-162	205	29	,	,	PUNCT
esutjss-162	205	30	and	and	CCONJ
esutjss-162	205	31	consumption	consumption	NOUN
esutjss-162	205	32	threatened	threaten	VERB
esutjss-162	205	33	the	the	DET
esutjss-162	205	34	integrity	integrity	NOUN
esutjss-162	205	35	of	of	ADP
esutjss-162	205	36	ecosystems	ecosystem	NOUN
esutjss-162	205	37	and	and	CCONJ
esutjss-162	205	38	the	the	DET
esutjss-162	205	39	wellbeing	wellbeing	NOUN
esutjss-162	205	40	of	of	ADP
esutjss-162	205	41	future	future	ADJ
esutjss-162	205	42	generations	generation	NOUN
esutjss-162	205	43	.	.	PUNCT
esutjss-162	206	1	sustainability	sustainability	NOUN
esutjss-162	206	2	is	be	AUX
esutjss-162	206	3	presented	present	VERB
esutjss-162	206	4	as	as	ADP
esutjss-162	206	5	an	an	DET
esutjss-162	206	6	alternative	alternative	NOUN
esutjss-162	206	7	to	to	ADP
esutjss-162	206	8	short	short	ADJ
esutjss-162	206	9	-	-	PUNCT
esutjss-162	206	10	term	term	NOUN
esutjss-162	206	11	,	,	PUNCT
esutjss-162	206	12	myopic	myopic	ADJ
esutjss-162	206	13	,	,	PUNCT
esutjss-162	206	14	and	and	CCONJ
esutjss-162	206	15	wasteful	wasteful	ADJ
esutjss-162	206	16	behaviours	behaviour	NOUN
esutjss-162	206	17	.	.	PUNCT
esutjss-162	207	1	it	it	PRON
esutjss-162	207	2	can	can	AUX
esutjss-162	207	3	serve	serve	VERB
esutjss-162	207	4	as	as	ADP
esutjss-162	207	5	a	a	DET
esutjss-162	207	6	standard	standard	NOUN
esutjss-162	207	7	against	against	ADP
esutjss-162	207	8	which	which	PRON
esutjss-162	207	9	existing	exist	VERB
esutjss-162	207	10	institutions	institution	NOUN
esutjss-162	207	11	are	be	AUX
esutjss-162	207	12	to	to	PART
esutjss-162	207	13	be	be	AUX
esutjss-162	207	14	judged	judge	VERB
esutjss-162	207	15	and	and	CCONJ
esutjss-162	207	16	as	as	ADP
esutjss-162	207	17	an	an	DET
esutjss-162	207	18	objective	objective	NOUN
esutjss-162	207	19	toward	toward	ADP
esutjss-162	207	20	which	which	PRON
esutjss-162	207	21	society	society	NOUN
esutjss-162	207	22	should	should	AUX
esutjss-162	207	23	move	move	VERB
esutjss-162	207	24	.	.	PUNCT
esutjss-162	208	1	sustainability	sustainability	NOUN
esutjss-162	208	2	also	also	ADV
esutjss-162	208	3	implies	imply	VERB
esutjss-162	208	4	an	an	DET
esutjss-162	208	5	interrogation	interrogation	NOUN
esutjss-162	208	6	of	of	ADP
esutjss-162	208	7	existing	exist	VERB
esutjss-162	208	8	modes	mode	NOUN
esutjss-162	208	9	of	of	ADP
esutjss-162	208	10	social	social	ADJ
esutjss-162	208	11	organization	organization	NOUN
esutjss-162	208	12	to	to	PART
esutjss-162	208	13	determine	determine	VERB
esutjss-162	208	14	the	the	DET
esutjss-162	208	15	extent	extent	NOUN
esutjss-162	208	16	to	to	PART
esutjss-162	208	17	which	which	PRON
esutjss-162	208	18	they	they	PRON
esutjss-162	208	19	encourage	encourage	VERB
esutjss-162	208	20	destructive	destructive	ADJ
esutjss-162	208	21	practices	practice	NOUN
esutjss-162	208	22	as	as	ADV
esutjss-162	208	23	well	well	ADV
esutjss-162	208	24	as	as	ADP
esutjss-162	208	25	a	a	DET
esutjss-162	208	26	conscious	conscious	ADJ
esutjss-162	208	27	effort	effort	NOUN
esutjss-162	208	28	to	to	PART
esutjss-162	208	29	transform	transform	VERB
esutjss-162	208	30	the	the	DET
esutjss-162	208	31	status	status	NOUN
esutjss-162	208	32	quo	quo	NOUN
esutjss-162	208	33	so	so	SCONJ
esutjss-162	208	34	as	as	SCONJ
esutjss-162	208	35	to	to	PART
esutjss-162	208	36	promote	promote	VERB
esutjss-162	208	37	the	the	DET
esutjss-162	208	38	development	development	NOUN
esutjss-162	208	39	of	of	ADP
esutjss-162	208	40	more	more	ADV
esutjss-162	208	41	-	-	PUNCT
esutjss-162	208	42	sustainable	sustainable	ADJ
esutjss-162	208	43	activities	activity	NOUN
esutjss-162	208	44	.	.	PUNCT
esutjss-162	209	1	theory	theory	NOUN
esutjss-162	209	2	of	of	ADP
esutjss-162	209	3	dynamic	dynamic	ADJ
esutjss-162	209	4	capabilities	capability	NOUN
esutjss-162	209	5	the	the	DET
esutjss-162	209	6	dynamic	dynamic	ADJ
esutjss-162	209	7	capacities	capacity	NOUN
esutjss-162	209	8	approach	approach	NOUN
esutjss-162	209	9	arose	arise	VERB
esutjss-162	209	10	from	from	ADP
esutjss-162	209	11	the	the	DET
esutjss-162	209	12	resource	resource	NOUN
esutjss-162	209	13	based	base	VERB
esutjss-162	209	14	view	view	NOUN
esutjss-162	209	15	of	of	ADP
esutjss-162	209	16	companies	company	NOUN
esutjss-162	209	17	,	,	PUNCT
esutjss-162	209	18	and	and	CCONJ
esutjss-162	209	19	it	it	PRON
esutjss-162	209	20	is	be	AUX
esutjss-162	209	21	primarily	primarily	ADV
esutjss-162	209	22	concerned	concerned	ADJ
esutjss-162	209	23	with	with	ADP
esutjss-162	209	24	the	the	DET
esutjss-162	209	25	processes	process	NOUN
esutjss-162	209	26	by	by	ADP
esutjss-162	209	27	which	which	PRON
esutjss-162	209	28	businesses	business	NOUN
esutjss-162	209	29	alter	alter	VERB
esutjss-162	209	30	not	not	PART
esutjss-162	209	31	just	just	ADV
esutjss-162	209	32	their	their	PRON
esutjss-162	209	33	resources	resource	NOUN
esutjss-162	209	34	and	and	CCONJ
esutjss-162	209	35	procedures	procedure	NOUN
esutjss-162	209	36	,	,	PUNCT
esutjss-162	209	37	but	but	CCONJ
esutjss-162	209	38	also	also	ADV
esutjss-162	209	39	their	their	PRON
esutjss-162	209	40	goods	good	NOUN
esutjss-162	209	41	and	and	CCONJ
esutjss-162	209	42	services	service	NOUN
esutjss-162	209	43	,	,	PUNCT
esutjss-162	209	44	in	in	ADP
esutjss-162	209	45	order	order	NOUN
esutjss-162	209	46	to	to	PART
esutjss-162	209	47	survive	survive	VERB
esutjss-162	209	48	in	in	ADP
esutjss-162	209	49	changing	change	VERB
esutjss-162	209	50	contexts	contexts	NOUN
esutjss-162	209	51	.	.	PUNCT
esutjss-162	210	1	dynamic	dynamic	ADJ
esutjss-162	210	2	capabilities	capability	NOUN
esutjss-162	210	3	were	be	AUX
esutjss-162	210	4	first	first	ADV
esutjss-162	210	5	defined	define	VERB
esutjss-162	210	6	as	as	ADP
esutjss-162	210	7	"	"	PUNCT
esutjss-162	210	8	the	the	DET
esutjss-162	210	9	firm	firm	NOUN
esutjss-162	210	10	's	's	PART
esutjss-162	210	11	capacity	capacity	NOUN
esutjss-162	210	12	to	to	PART
esutjss-162	210	13	integrate	integrate	VERB
esutjss-162	210	14	,	,	PUNCT
esutjss-162	210	15	create	create	VERB
esutjss-162	210	16	,	,	PUNCT
esutjss-162	210	17	and	and	CCONJ
esutjss-162	210	18	reconfigure	reconfigure	VERB
esutjss-162	210	19	internal	internal	ADJ
esutjss-162	210	20	and	and	CCONJ
esutjss-162	210	21	external	external	ADJ
esutjss-162	210	22	competencies	competency	NOUN
esutjss-162	210	23	to	to	PART
esutjss-162	210	24	handle	handle	VERB
esutjss-162	210	25	quickly	quickly	ADV
esutjss-162	210	26	changing	change	VERB
esutjss-162	210	27	surroundings	surrounding	NOUN
esutjss-162	210	28	"	"	PUNCT
esutjss-162	210	29	by	by	ADP
esutjss-162	210	30	teece	teece	PROPN
esutjss-162	210	31	et	et	PROPN
esutjss-162	210	32	al	al	PROPN
esutjss-162	210	33	.	.	PROPN
esutjss-162	211	1	(	(	PUNCT
esutjss-162	211	2	1997	1997	NUM
esutjss-162	211	3	)	)	PUNCT
esutjss-162	211	4	.	.	PUNCT
esutjss-162	212	1	as	as	ADP
esutjss-162	212	2	a	a	DET
esutjss-162	212	3	result	result	NOUN
esutjss-162	212	4	,	,	PUNCT
esutjss-162	212	5	they	they	PRON
esutjss-162	212	6	stressed	stress	VERB
esutjss-162	212	7	the	the	DET
esutjss-162	212	8	importance	importance	NOUN
esutjss-162	212	9	of	of	ADP
esutjss-162	212	10	the	the	DET
esutjss-162	212	11	dynamic	dynamic	ADJ
esutjss-162	212	12	capabilities	capability	NOUN
esutjss-162	212	13	approach	approach	NOUN
esutjss-162	212	14	to	to	ADP
esutjss-162	212	15	the	the	DET
esutjss-162	212	16	organization	organization	NOUN
esutjss-162	212	17	's	's	PART
esutjss-162	212	18	capacity	capacity	NOUN
esutjss-162	212	19	.	.	PUNCT
esutjss-162	213	1	later	later	ADV
esutjss-162	213	2	,	,	PUNCT
esutjss-162	213	3	eisenhardt	eisenhardt	PROPN
esutjss-162	213	4	and	and	CCONJ
esutjss-162	213	5	martin	martin	PROPN
esutjss-162	213	6	(	(	PUNCT
esutjss-162	213	7	2000	2000	NUM
esutjss-162	213	8	)	)	PUNCT
esutjss-162	213	9	provided	provide	VERB
esutjss-162	213	10	a	a	DET
esutjss-162	213	11	different	different	ADJ
esutjss-162	213	12	perspective	perspective	NOUN
esutjss-162	213	13	that	that	PRON
esutjss-162	213	14	focused	focus	VERB
esutjss-162	213	15	on	on	ADP
esutjss-162	213	16	specific	specific	ADJ
esutjss-162	213	17	organizational	organizational	ADJ
esutjss-162	213	18	processes	process	NOUN
esutjss-162	213	19	that	that	PRON
esutjss-162	213	20	incorporate	incorporate	VERB
esutjss-162	213	21	resource	resource	NOUN
esutjss-162	213	22	reconfiguration	reconfiguration	NOUN
esutjss-162	213	23	,	,	PUNCT
esutjss-162	213	24	gain	gain	NOUN
esutjss-162	213	25	,	,	PUNCT
esutjss-162	213	26	and	and	CCONJ
esutjss-162	213	27	release	release	VERB
esutjss-162	213	28	to	to	PART
esutjss-162	213	29	produce	produce	VERB
esutjss-162	213	30	new	new	ADJ
esutjss-162	213	31	resource	resource	NOUN
esutjss-162	213	32	configurations	configuration	NOUN
esutjss-162	213	33	.	.	PUNCT
esutjss-162	214	1	leading	lead	VERB
esutjss-162	214	2	scholars	scholar	NOUN
esutjss-162	214	3	of	of	ADP
esutjss-162	214	4	dynamic	dynamic	ADJ
esutjss-162	214	5	capabilities	capability	NOUN
esutjss-162	214	6	have	have	AUX
esutjss-162	214	7	recently	recently	ADV
esutjss-162	214	8	defined	define	VERB
esutjss-162	214	9	dynamic	dynamic	ADJ
esutjss-162	214	10	capability	capability	NOUN
esutjss-162	214	11	in	in	ADP
esutjss-162	214	12	broader	broad	ADJ
esutjss-162	214	13	terms	term	NOUN
esutjss-162	214	14	,	,	PUNCT
esutjss-162	214	15	such	such	ADJ
esutjss-162	214	16	as	as	ADP
esutjss-162	214	17	"	"	PUNCT
esutjss-162	214	18	the	the	DET
esutjss-162	214	19	capacity	capacity	NOUN
esutjss-162	214	20	of	of	ADP
esutjss-162	214	21	an	an	DET
esutjss-162	214	22	organization	organization	NOUN
esutjss-162	214	23	to	to	PART
esutjss-162	214	24	purposefully	purposefully	ADV
esutjss-162	214	25	create	create	VERB
esutjss-162	214	26	,	,	PUNCT
esutjss-162	214	27	extend	extend	VERB
esutjss-162	214	28	,	,	PUNCT
esutjss-162	214	29	and	and	CCONJ
esutjss-162	214	30	modify	modify	VERB
esutjss-162	214	31	its	its	PRON
esutjss-162	214	32	resource	resource	NOUN
esutjss-162	214	33	base	base	NOUN
esutjss-162	214	34	"	"	PUNCT
esutjss-162	214	35	(	(	PUNCT
esutjss-162	214	36	helfat	helfat	NOUN
esutjss-162	214	37	et	et	PROPN
esutjss-162	214	38	al	al	PROPN
esutjss-162	214	39	.	.	PROPN
esutjss-162	214	40	,	,	PUNCT
esutjss-162	214	41	2007	2007	NUM
esutjss-162	214	42	)	)	PUNCT
esutjss-162	214	43	,	,	PUNCT
esutjss-162	214	44	while	while	SCONJ
esutjss-162	214	45	teece	teece	PROPN
esutjss-162	214	46	(	(	PUNCT
esutjss-162	214	47	2007	2007	NUM
esutjss-162	214	48	,	,	PUNCT
esutjss-162	214	49	2014	2014	NUM
esutjss-162	214	50	)	)	PUNCT
esutjss-162	214	51	proposed	propose	VERB
esutjss-162	214	52	that	that	SCONJ
esutjss-162	214	53	dynamic	dynamic	ADJ
esutjss-162	214	54	capabilities	capability	NOUN
esutjss-162	214	55	could	could	AUX
esutjss-162	214	56	be	be	AUX
esutjss-162	214	57	broken	break	VERB
esutjss-162	214	58	down	down	ADP
esutjss-162	214	59	into	into	ADP
esutjss-162	214	60	three	three	NUM
esutjss-162	214	61	broad	broad	ADJ
esutjss-162	214	62	capacities	capacity	NOUN
esutjss-162	214	63	of	of	ADP
esutjss-162	214	64	sensing	sense	VERB
esutjss-162	214	65	,	,	PUNCT
esutjss-162	214	66	seizing	seize	VERB
esutjss-162	214	67	,	,	PUNCT
esutjss-162	214	68	and	and	CCONJ
esutjss-162	214	69	transforming	transform	VERB
esutjss-162	214	70	.	.	PUNCT
esutjss-162	215	1	although	although	SCONJ
esutjss-162	215	2	earlier	early	ADJ
esutjss-162	215	3	researchers	researcher	NOUN
esutjss-162	215	4	disagreed	disagree	VERB
esutjss-162	215	5	over	over	ADP
esutjss-162	215	6	whether	whether	SCONJ
esutjss-162	215	7	dynamic	dynamic	ADJ
esutjss-162	215	8	talents	talent	NOUN
esutjss-162	215	9	are	be	AUX
esutjss-162	215	10	unique	unique	ADJ
esutjss-162	215	11	or	or	CCONJ
esutjss-162	215	12	ubiquitous	ubiquitous	ADJ
esutjss-162	215	13	across	across	ADP
esutjss-162	215	14	firms	firm	NOUN
esutjss-162	215	15	,	,	PUNCT
esutjss-162	215	16	and	and	CCONJ
esutjss-162	215	17	if	if	SCONJ
esutjss-162	215	18	they	they	PRON
esutjss-162	215	19	provide	provide	VERB
esutjss-162	215	20	a	a	DET
esutjss-162	215	21	sustainable	sustainable	ADJ
esutjss-162	215	22	competitive	competitive	ADJ
esutjss-162	215	23	advantage	advantage	NOUN
esutjss-162	215	24	,	,	PUNCT
esutjss-162	215	25	scholars	scholar	NOUN
esutjss-162	215	26	have	have	AUX
esutjss-162	215	27	lately	lately	ADV
esutjss-162	215	28	offered	offer	VERB
esutjss-162	215	29	an	an	DET
esutjss-162	215	30	integrative	integrative	ADJ
esutjss-162	215	31	method	method	NOUN
esutjss-162	215	32	to	to	PART
esutjss-162	215	33	reconcile	reconcile	VERB
esutjss-162	215	34	these	these	DET
esutjss-162	215	35	divergent	divergent	ADJ
esutjss-162	215	36	viewpoints	viewpoint	NOUN
esutjss-162	215	37	.	.	PUNCT
esutjss-162	216	1	in	in	ADP
esutjss-162	216	2	their	their	PRON
esutjss-162	216	3	study	study	NOUN
esutjss-162	216	4	of	of	ADP
esutjss-162	216	5	empirical	empirical	ADJ
esutjss-162	216	6	and	and	CCONJ
esutjss-162	216	7	theoretical	theoretical	ADJ
esutjss-162	216	8	dynamic	dynamic	ADJ
esutjss-162	216	9	capabilities	capability	NOUN
esutjss-162	216	10	research	research	NOUN
esutjss-162	216	11	,	,	PUNCT
esutjss-162	216	12	they	they	PRON
esutjss-162	216	13	discovered	discover	VERB
esutjss-162	216	14	that	that	SCONJ
esutjss-162	216	15	while	while	SCONJ
esutjss-162	216	16	dynamic	dynamic	ADJ
esutjss-162	216	17	95	95	NUM
esutjss-162	216	18	capabilities	capability	NOUN
esutjss-162	216	19	come	come	VERB
esutjss-162	216	20	in	in	ADP
esutjss-162	216	21	many	many	ADJ
esutjss-162	216	22	different	different	ADJ
esutjss-162	216	23	forms	form	NOUN
esutjss-162	216	24	,	,	PUNCT
esutjss-162	216	25	they	they	PRON
esutjss-162	216	26	all	all	PRON
esutjss-162	216	27	have	have	VERB
esutjss-162	216	28	basic	basic	ADJ
esutjss-162	216	29	characteristics	characteristic	NOUN
esutjss-162	216	30	that	that	PRON
esutjss-162	216	31	can	can	AUX
esutjss-162	216	32	be	be	AUX
esutjss-162	216	33	distinctive	distinctive	ADJ
esutjss-162	216	34	in	in	ADP
esutjss-162	216	35	specifics	specific	NOUN
esutjss-162	216	36	.	.	PUNCT
esutjss-162	217	1	we	we	PRON
esutjss-162	217	2	define	define	VERB
esutjss-162	217	3	dynamic	dynamic	ADJ
esutjss-162	217	4	capabilities	capability	NOUN
esutjss-162	217	5	as	as	ADP
esutjss-162	217	6	a	a	DET
esutjss-162	217	7	combination	combination	NOUN
esutjss-162	217	8	of	of	ADP
esutjss-162	217	9	broad	broad	ADJ
esutjss-162	217	10	organizational	organizational	ADJ
esutjss-162	217	11	capacities	capacity	NOUN
esutjss-162	217	12	and	and	CCONJ
esutjss-162	217	13	specific	specific	ADJ
esutjss-162	217	14	actions	action	NOUN
esutjss-162	217	15	that	that	PRON
esutjss-162	217	16	work	work	VERB
esutjss-162	217	17	together	together	ADV
esutjss-162	217	18	to	to	PART
esutjss-162	217	19	effect	effect	VERB
esutjss-162	217	20	organizational	organizational	ADJ
esutjss-162	217	21	change	change	NOUN
esutjss-162	217	22	,	,	PUNCT
esutjss-162	217	23	drawing	draw	VERB
esutjss-162	217	24	on	on	ADP
esutjss-162	217	25	this	this	DET
esutjss-162	217	26	integrative	integrative	ADJ
esutjss-162	217	27	approach	approach	NOUN
esutjss-162	217	28	(	(	PUNCT
esutjss-162	217	29	barreto	barreto	PROPN
esutjss-162	217	30	,	,	PUNCT
esutjss-162	217	31	2010	2010	NUM
esutjss-162	217	32	;	;	PUNCT
esutjss-162	217	33	di	di	X
esutjss-162	217	34	stefano	stefano	PROPN
esutjss-162	217	35	et	et	PROPN
esutjss-162	217	36	al	al	PROPN
esutjss-162	217	37	.	.	PROPN
esutjss-162	217	38	,	,	PUNCT
esutjss-162	217	39	2014	2014	NUM
esutjss-162	217	40	;	;	PUNCT
esutjss-162	217	41	peteraf	peteraf	VERB
esutjss-162	217	42	et	et	PROPN
esutjss-162	217	43	al	al	PROPN
esutjss-162	217	44	.	.	PROPN
esutjss-162	217	45	,	,	PUNCT
esutjss-162	217	46	2013	2013	NUM
esutjss-162	217	47	)	)	PUNCT
esutjss-162	217	48	as	as	ADV
esutjss-162	217	49	well	well	ADV
esutjss-162	217	50	as	as	ADP
esutjss-162	217	51	helfat	helfat	NOUN
esutjss-162	217	52	et	et	PROPN
esutjss-162	217	53	al	al	PROPN
esutjss-162	217	54	(	(	PUNCT
esutjss-162	217	55	2007	2007	NUM
esutjss-162	217	56	)	)	PUNCT
esutjss-162	217	57	and	and	CCONJ
esutjss-162	217	58	teece	teece	PROPN
esutjss-162	217	59	's	's	PART
esutjss-162	217	60	(	(	PUNCT
esutjss-162	217	61	2007	2007	NUM
esutjss-162	217	62	)	)	PUNCT
esutjss-162	217	63	views	view	NOUN
esutjss-162	217	64	of	of	ADP
esutjss-162	217	65	dynamic	dynamic	ADJ
esutjss-162	217	66	capabilities	capability	NOUN
esutjss-162	217	67	.	.	PUNCT
esutjss-162	218	1	at	at	ADP
esutjss-162	218	2	a	a	DET
esutjss-162	218	3	high	high	ADJ
esutjss-162	218	4	level	level	NOUN
esutjss-162	218	5	,	,	PUNCT
esutjss-162	218	6	we	we	PRON
esutjss-162	218	7	agree	agree	VERB
esutjss-162	218	8	with	with	ADP
esutjss-162	218	9	teece	teece	PROPN
esutjss-162	218	10	's	's	PART
esutjss-162	218	11	(	(	PUNCT
esutjss-162	218	12	2007	2007	NUM
esutjss-162	218	13	,	,	PUNCT
esutjss-162	218	14	2014	2014	NUM
esutjss-162	218	15	)	)	PUNCT
esutjss-162	218	16	assessment	assessment	NOUN
esutjss-162	218	17	that	that	SCONJ
esutjss-162	218	18	dynamic	dynamic	ADJ
esutjss-162	218	19	capabilities	capability	NOUN
esutjss-162	218	20	are	be	AUX
esutjss-162	218	21	comprised	comprise	VERB
esutjss-162	218	22	of	of	ADP
esutjss-162	218	23	three	three	NUM
esutjss-162	218	24	competencies	competency	NOUN
esutjss-162	218	25	:	:	PUNCT
esutjss-162	218	26	perceiving	perceive	VERB
esutjss-162	218	27	,	,	PUNCT
esutjss-162	218	28	seizing	seize	VERB
esutjss-162	218	29	,	,	PUNCT
esutjss-162	218	30	and	and	CCONJ
esutjss-162	218	31	transforming	transform	VERB
esutjss-162	218	32	.	.	PUNCT
esutjss-162	219	1	these	these	DET
esutjss-162	219	2	broad	broad	ADJ
esutjss-162	219	3	capacities	capacity	NOUN
esutjss-162	219	4	,	,	PUNCT
esutjss-162	219	5	in	in	ADP
esutjss-162	219	6	turn	turn	NOUN
esutjss-162	219	7	,	,	PUNCT
esutjss-162	219	8	function	function	VERB
esutjss-162	219	9	through	through	ADP
esutjss-162	219	10	a	a	DET
esutjss-162	219	11	collection	collection	NOUN
esutjss-162	219	12	of	of	ADP
esutjss-162	219	13	specific	specific	ADJ
esutjss-162	219	14	organizational	organizational	ADJ
esutjss-162	219	15	activities	activity	NOUN
esutjss-162	219	16	that	that	PRON
esutjss-162	219	17	work	work	VERB
esutjss-162	219	18	together	together	ADV
esutjss-162	219	19	to	to	PART
esutjss-162	219	20	bring	bring	VERB
esutjss-162	219	21	about	about	ADP
esutjss-162	219	22	change	change	NOUN
esutjss-162	219	23	(	(	PUNCT
esutjss-162	219	24	eisenhardt	eisenhardt	ADJ
esutjss-162	219	25	and	and	CCONJ
esutjss-162	219	26	martin	martin	PROPN
esutjss-162	219	27	,	,	PUNCT
esutjss-162	219	28	2000	2000	NUM
esutjss-162	219	29	;	;	PUNCT
esutjss-162	219	30	di	di	X
esutjss-162	219	31	stefano	stefano	PROPN
esutjss-162	219	32	et	et	PROPN
esutjss-162	219	33	al	al	PROPN
esutjss-162	219	34	.	.	PROPN
esutjss-162	219	35	2014	2014	NUM
esutjss-162	219	36	)	)	PUNCT
esutjss-162	219	37	.	.	PUNCT
esutjss-162	220	1	we	we	PRON
esutjss-162	220	2	'll	will	AUX
esutjss-162	220	3	go	go	VERB
esutjss-162	220	4	over	over	ADP
esutjss-162	220	5	them	they	PRON
esutjss-162	220	6	in	in	ADP
esutjss-162	220	7	detail	detail	NOUN
esutjss-162	220	8	below	below	ADV
esutjss-162	220	9	.	.	PUNCT
esutjss-162	221	1	conceptual	conceptual	ADJ
esutjss-162	221	2	framework	framework	NOUN
esutjss-162	221	3	authors	author	NOUN
esutjss-162	221	4	computation	computation	VERB
esutjss-162	221	5	,	,	PUNCT
esutjss-162	221	6	2022	2022	NUM
esutjss-162	221	7	methodology	methodology	NOUN
esutjss-162	221	8	a	a	DET
esutjss-162	221	9	descriptive	descriptive	ADJ
esutjss-162	221	10	research	research	NOUN
esutjss-162	221	11	technique	technique	NOUN
esutjss-162	221	12	was	be	AUX
esutjss-162	221	13	used	use	VERB
esutjss-162	221	14	in	in	ADP
esutjss-162	221	15	the	the	DET
esutjss-162	221	16	study	study	NOUN
esutjss-162	221	17	,	,	PUNCT
esutjss-162	221	18	which	which	PRON
esutjss-162	221	19	will	will	AUX
esutjss-162	221	20	comprise	comprise	VERB
esutjss-162	221	21	research	research	NOUN
esutjss-162	221	22	questions	question	NOUN
esutjss-162	221	23	and	and	CCONJ
esutjss-162	221	24	hypotheses	hypothesis	NOUN
esutjss-162	221	25	.	.	PUNCT
esutjss-162	222	1	when	when	SCONJ
esutjss-162	222	2	it	it	PRON
esutjss-162	222	3	's	be	AUX
esutjss-162	222	4	difficult	difficult	ADJ
esutjss-162	222	5	to	to	PART
esutjss-162	222	6	regulate	regulate	VERB
esutjss-162	222	7	the	the	DET
esutjss-162	222	8	experience	experience	NOUN
esutjss-162	222	9	,	,	PUNCT
esutjss-162	222	10	exposure	exposure	NOUN
esutjss-162	222	11	,	,	PUNCT
esutjss-162	222	12	or	or	CCONJ
esutjss-162	222	13	impacts	impact	NOUN
esutjss-162	222	14	that	that	PRON
esutjss-162	222	15	participants	participant	NOUN
esutjss-162	222	16	may	may	AUX
esutjss-162	222	17	have	have	VERB
esutjss-162	222	18	,	,	PUNCT
esutjss-162	222	19	this	this	DET
esutjss-162	222	20	design	design	NOUN
esutjss-162	222	21	method	method	NOUN
esutjss-162	222	22	is	be	AUX
esutjss-162	222	23	typically	typically	ADV
esutjss-162	222	24	adopted	adopt	VERB
esutjss-162	222	25	.	.	PUNCT
esutjss-162	223	1	this	this	PRON
esutjss-162	223	2	is	be	AUX
esutjss-162	223	3	okay	okay	ADJ
esutjss-162	223	4	since	since	SCONJ
esutjss-162	223	5	it	it	PRON
esutjss-162	223	6	allows	allow	VERB
esutjss-162	223	7	the	the	DET
esutjss-162	223	8	researcher	researcher	NOUN
esutjss-162	223	9	to	to	PART
esutjss-162	223	10	describe	describe	VERB
esutjss-162	223	11	what	what	PRON
esutjss-162	223	12	is	be	AUX
esutjss-162	223	13	happening	happen	VERB
esutjss-162	223	14	as	as	SCONJ
esutjss-162	223	15	it	it	PRON
esutjss-162	223	16	happens	happen	VERB
esutjss-162	223	17	.	.	PUNCT
esutjss-162	224	1	lagos	lago	NOUN
esutjss-162	224	2	is	be	AUX
esutjss-162	224	3	a	a	DET
esutjss-162	224	4	nigerian	nigerian	ADJ
esutjss-162	224	5	state	state	NOUN
esutjss-162	224	6	in	in	ADP
esutjss-162	224	7	the	the	DET
esutjss-162	224	8	country	country	NOUN
esutjss-162	224	9	's	's	PART
esutjss-162	224	10	south	south	ADJ
esutjss-162	224	11	-	-	PUNCT
esutjss-162	224	12	western	western	ADJ
esutjss-162	224	13	political	political	ADJ
esutjss-162	224	14	zone	zone	NOUN
esutjss-162	224	15	,	,	PUNCT
esutjss-162	224	16	commonly	commonly	ADV
esutjss-162	224	17	known	know	VERB
esutjss-162	224	18	as	as	ADP
esutjss-162	224	19	lagos	lagos	NOUN
esutjss-162	224	20	state	state	NOUN
esutjss-162	224	21	.	.	PUNCT
esutjss-162	225	1	until	until	ADP
esutjss-162	225	2	1976	1976	NUM
esutjss-162	225	3	,	,	PUNCT
esutjss-162	225	4	when	when	SCONJ
esutjss-162	225	5	the	the	DET
esutjss-162	225	6	state	state	NOUN
esutjss-162	225	7	capital	capital	NOUN
esutjss-162	225	8	was	be	AUX
esutjss-162	225	9	moved	move	VERB
esutjss-162	225	10	to	to	ADP
esutjss-162	225	11	ikeja	ikeja	NOUN
esutjss-162	225	12	,	,	PUNCT
esutjss-162	225	13	it	it	PRON
esutjss-162	225	14	served	serve	VERB
esutjss-162	225	15	as	as	ADP
esutjss-162	225	16	both	both	CCONJ
esutjss-162	225	17	the	the	DET
esutjss-162	225	18	state	state	NOUN
esutjss-162	225	19	and	and	CCONJ
esutjss-162	225	20	federal	federal	ADJ
esutjss-162	225	21	capital	capital	NOUN
esutjss-162	225	22	.	.	PUNCT
esutjss-162	226	1	the	the	DET
esutjss-162	226	2	federal	federal	ADJ
esutjss-162	226	3	government	government	NOUN
esutjss-162	226	4	's	's	PART
esutjss-162	226	5	seat	seat	NOUN
esutjss-162	226	6	of	of	ADP
esutjss-162	226	7	government	government	NOUN
esutjss-162	226	8	was	be	AUX
esutjss-162	226	9	formally	formally	ADV
esutjss-162	226	10	shifted	shift	VERB
esutjss-162	226	11	to	to	ADP
esutjss-162	226	12	abuja	abuja	PROPN
esutjss-162	226	13	with	with	ADP
esutjss-162	226	14	the	the	DET
esutjss-162	226	15	creation	creation	NOUN
esutjss-162	226	16	of	of	ADP
esutjss-162	226	17	the	the	DET
esutjss-162	226	18	federal	federal	ADJ
esutjss-162	226	19	capital	capital	NOUN
esutjss-162	226	20	territory	territory	NOUN
esutjss-162	226	21	in	in	ADP
esutjss-162	226	22	its	its	PRON
esutjss-162	226	23	entirety	entirety	NOUN
esutjss-162	226	24	on	on	ADP
esutjss-162	226	25	december	december	PROPN
esutjss-162	226	26	12	12	NUM
esutjss-162	226	27	,	,	PUNCT
esutjss-162	226	28	1991	1991	NUM
esutjss-162	226	29	.	.	PUNCT
esutjss-162	227	1	despite	despite	SCONJ
esutjss-162	227	2	this	this	PRON
esutjss-162	227	3	,	,	PUNCT
esutjss-162	227	4	lagos	lago	NOUN
esutjss-162	227	5	remained	remain	VERB
esutjss-162	227	6	the	the	DET
esutjss-162	227	7	country	country	NOUN
esutjss-162	227	8	's	's	PART
esutjss-162	227	9	financial	financial	ADJ
esutjss-162	227	10	centre	centre	NOUN
esutjss-162	227	11	and	and	CCONJ
esutjss-162	227	12	expanded	expand	VERB
esutjss-162	227	13	to	to	PART
esutjss-162	227	14	become	become	VERB
esutjss-162	227	15	both	both	CCONJ
esutjss-162	227	16	the	the	DET
esutjss-162	227	17	states	state	NOUN
esutjss-162	227	18	and	and	CCONJ
esutjss-162	227	19	the	the	DET
esutjss-162	227	20	country	country	NOUN
esutjss-162	227	21	's	's	PART
esutjss-162	227	22	most	most	ADV
esutjss-162	227	23	populous	populous	ADJ
esutjss-162	227	24	city	city	NOUN
esutjss-162	227	25	.	.	PUNCT
esutjss-162	228	1	lagos	lago	NOUN
esutjss-162	228	2	state	state	NOUN
esutjss-162	228	3	is	be	AUX
esutjss-162	228	4	without	without	ADP
esutjss-162	228	5	a	a	DET
esutjss-162	228	6	doubt	doubt	NOUN
esutjss-162	228	7	the	the	DET
esutjss-162	228	8	most	most	ADV
esutjss-162	228	9	economically	economically	ADV
esutjss-162	228	10	important	important	ADJ
esutjss-162	228	11	state	state	NOUN
esutjss-162	228	12	in	in	ADP
esutjss-162	228	13	nigeria	nigeria	PROPN
esutjss-162	228	14	.	.	PUNCT
esutjss-162	229	1	lagos	lago	NOUN
esutjss-162	229	2	is	be	AUX
esutjss-162	229	3	home	home	NOUN
esutjss-162	229	4	to	to	ADP
esutjss-162	229	5	the	the	DET
esutjss-162	229	6	headquarters	headquarters	NOUN
esutjss-162	229	7	/	/	SYM
esutjss-162	229	8	control	control	NOUN
esutjss-162	229	9	offices	office	NOUN
esutjss-162	229	10	of	of	ADP
esutjss-162	229	11	over	over	ADP
esutjss-162	229	12	90	90	NUM
esutjss-162	229	13	%	%	NOUN
esutjss-162	229	14	of	of	ADP
esutjss-162	229	15	nigeria	nigeria	PROPN
esutjss-162	229	16	's	's	PART
esutjss-162	229	17	insurance	insurance	NOUN
esutjss-162	229	18	companies	company	NOUN
esutjss-162	229	19	,	,	PUNCT
esutjss-162	229	20	as	as	ADV
esutjss-162	229	21	well	well	ADV
esutjss-162	229	22	as	as	ADP
esutjss-162	229	23	all	all	PRON
esutjss-162	229	24	of	of	ADP
esutjss-162	229	25	their	their	PRON
esutjss-162	229	26	business	business	NOUN
esutjss-162	229	27	offices	office	NOUN
esutjss-162	229	28	;	;	PUNCT
esutjss-162	229	29	hence	hence	ADV
esutjss-162	229	30	,	,	PUNCT
esutjss-162	229	31	lagos	lago	NOUN
esutjss-162	229	32	was	be	AUX
esutjss-162	229	33	chosen	choose	VERB
esutjss-162	229	34	as	as	ADP
esutjss-162	229	35	the	the	DET
esutjss-162	229	36	study	study	NOUN
esutjss-162	229	37	location	location	NOUN
esutjss-162	229	38	.	.	PUNCT
esutjss-162	230	1	the	the	DET
esutjss-162	230	2	target	target	NOUN
esutjss-162	230	3	population	population	NOUN
esutjss-162	230	4	of	of	ADP
esutjss-162	230	5	the	the	DET
esutjss-162	230	6	study	study	NOUN
esutjss-162	230	7	consist	consist	NOUN
esutjss-162	230	8	of	of	ADP
esutjss-162	230	9	insurance	insurance	NOUN
esutjss-162	230	10	companies	company	NOUN
esutjss-162	230	11	in	in	ADP
esutjss-162	230	12	nigeria	nigeria	PROPN
esutjss-162	230	13	that	that	PRON
esutjss-162	230	14	are	be	AUX
esutjss-162	230	15	duly	duly	ADV
esutjss-162	230	16	registered	register	VERB
esutjss-162	230	17	by	by	ADP
esutjss-162	230	18	the	the	DET
esutjss-162	230	19	national	national	PROPN
esutjss-162	230	20	insurance	insurance	PROPN
esutjss-162	230	21	commission	commission	PROPN
esutjss-162	230	22	(	(	PUNCT
esutjss-162	230	23	naicom	naicom	PROPN
esutjss-162	230	24	)	)	PUNCT
esutjss-162	230	25	,	,	PUNCT
esutjss-162	230	26	the	the	DET
esutjss-162	230	27	corporate	corporate	PROPN
esutjss-162	230	28	affairs	affairs	PROPN
esutjss-162	230	29	commission	commission	PROPN
esutjss-162	230	30	(	(	PUNCT
esutjss-162	230	31	cac	cac	PROPN
esutjss-162	230	32	)	)	PUNCT
esutjss-162	230	33	and	and	CCONJ
esutjss-162	230	34	are	be	AUX
esutjss-162	230	35	fully	fully	ADV
esutjss-162	230	36	recapitalized	recapitalize	VERB
esutjss-162	230	37	.	.	PUNCT
esutjss-162	231	1	the	the	DET
esutjss-162	231	2	justification	justification	NOUN
esutjss-162	231	3	for	for	ADP
esutjss-162	231	4	choosing	choose	VERB
esutjss-162	231	5	these	these	DET
esutjss-162	231	6	companies	company	NOUN
esutjss-162	231	7	is	be	AUX
esutjss-162	231	8	because	because	SCONJ
esutjss-162	231	9	they	they	PRON
esutjss-162	231	10	are	be	AUX
esutjss-162	231	11	recognized	recognize	VERB
esutjss-162	231	12	insurance	insurance	NOUN
esutjss-162	231	13	companies	company	NOUN
esutjss-162	231	14	in	in	ADP
esutjss-162	231	15	the	the	DET
esutjss-162	231	16	economy	economy	NOUN
esutjss-162	231	17	,	,	PUNCT
esutjss-162	231	18	and	and	CCONJ
esutjss-162	231	19	their	their	PRON
esutjss-162	231	20	employees	employee	NOUN
esutjss-162	231	21	have	have	AUX
esutjss-162	231	22	applied	apply	VERB
esutjss-162	231	23	digitalization	digitalization	NOUN
esutjss-162	231	24	in	in	ADP
esutjss-162	231	25	their	their	PRON
esutjss-162	231	26	daily	daily	ADJ
esutjss-162	231	27	business	business	NOUN
esutjss-162	231	28	activities	activity	NOUN
esutjss-162	231	29	.	.	PUNCT
esutjss-162	232	1	therefore	therefore	ADV
esutjss-162	232	2	,	,	PUNCT
esutjss-162	232	3	it	it	PRON
esutjss-162	232	4	enabled	enable	VERB
esutjss-162	232	5	sustainability	sustainability	NOUN
esutjss-162	232	6	of	of	ADP
esutjss-162	232	7	insurance	insurance	NOUN
esutjss-162	232	8	business	business	NOUN
esutjss-162	232	9	sustainability	sustainability	NOUN
esutjss-162	232	10	of	of	ADP
esutjss-162	232	11	insurance	insurance	NOUN
esutjss-162	232	12	business	business	NOUN
esutjss-162	232	13	digital	digital	ADJ
esutjss-162	232	14	transformation	transformation	NOUN
esutjss-162	232	15	cloud	cloud	NOUN
esutjss-162	232	16	based	base	VERB
esutjss-162	232	17	collaborative	collaborative	ADJ
esutjss-162	232	18	suites	suite	NOUN
esutjss-162	232	19	employee	employee	NOUN
esutjss-162	232	20	enablement	enablement	NOUN
esutjss-162	232	21	digital	digital	ADJ
esutjss-162	232	22	transformation	transformation	NOUN
esutjss-162	232	23	strategy	strategy	NOUN
esutjss-162	232	24	96	96	NUM
esutjss-162	233	1	the	the	DET
esutjss-162	233	2	study	study	NOUN
esutjss-162	233	3	to	to	PART
esutjss-162	233	4	provide	provide	VERB
esutjss-162	233	5	a	a	DET
esutjss-162	233	6	broad	broad	ADJ
esutjss-162	233	7	sample	sample	NOUN
esutjss-162	233	8	region	region	NOUN
esutjss-162	233	9	that	that	PRON
esutjss-162	233	10	would	would	AUX
esutjss-162	233	11	justify	justify	VERB
esutjss-162	233	12	the	the	DET
esutjss-162	233	13	representation	representation	NOUN
esutjss-162	233	14	of	of	ADP
esutjss-162	233	15	all	all	DET
esutjss-162	233	16	staff	staff	NOUN
esutjss-162	233	17	that	that	PRON
esutjss-162	233	18	participated	participate	VERB
esutjss-162	233	19	in	in	ADP
esutjss-162	233	20	the	the	DET
esutjss-162	233	21	study	study	NOUN
esutjss-162	233	22	.	.	PUNCT
esutjss-162	234	1	the	the	DET
esutjss-162	234	2	study	study	NOUN
esutjss-162	234	3	used	use	VERB
esutjss-162	234	4	purposive	purposive	NOUN
esutjss-162	234	5	sampling	sampling	NOUN
esutjss-162	234	6	technique	technique	NOUN
esutjss-162	234	7	as	as	SCONJ
esutjss-162	234	8	the	the	DET
esutjss-162	234	9	technique	technique	NOUN
esutjss-162	234	10	focuses	focus	VERB
esutjss-162	234	11	on	on	ADP
esutjss-162	234	12	informants	informant	NOUN
esutjss-162	234	13	/respondents	/respondents	PUNCT
esutjss-162	235	1	that	that	PRON
esutjss-162	235	2	are	be	AUX
esutjss-162	235	3	vital	vital	ADJ
esutjss-162	235	4	and	and	CCONJ
esutjss-162	235	5	relevant	relevant	ADJ
esutjss-162	235	6	for	for	ADP
esutjss-162	235	7	the	the	DET
esutjss-162	235	8	study	study	NOUN
esutjss-162	235	9	.	.	PUNCT
esutjss-162	236	1	it	it	PRON
esutjss-162	236	2	is	be	AUX
esutjss-162	236	3	ideal	ideal	ADJ
esutjss-162	236	4	to	to	PART
esutjss-162	236	5	use	use	VERB
esutjss-162	236	6	purposive	purposive	ADJ
esutjss-162	236	7	sampling	sampling	NOUN
esutjss-162	236	8	technique	technique	NOUN
esutjss-162	236	9	because	because	SCONJ
esutjss-162	236	10	not	not	PART
esutjss-162	236	11	all	all	DET
esutjss-162	236	12	members	member	NOUN
esutjss-162	236	13	of	of	ADP
esutjss-162	236	14	the	the	DET
esutjss-162	236	15	population	population	NOUN
esutjss-162	236	16	are	be	AUX
esutjss-162	236	17	useful	useful	ADJ
esutjss-162	236	18	and	and	CCONJ
esutjss-162	236	19	have	have	VERB
esutjss-162	236	20	information	information	NOUN
esutjss-162	236	21	on	on	ADP
esutjss-162	236	22	the	the	DET
esutjss-162	236	23	research	research	NOUN
esutjss-162	236	24	questions	question	NOUN
esutjss-162	236	25	and	and	CCONJ
esutjss-162	236	26	objective	objective	NOUN
esutjss-162	236	27	.	.	PUNCT
esutjss-162	237	1	purposive	purposive	ADJ
esutjss-162	237	2	sampling	sampling	NOUN
esutjss-162	237	3	otherwise	otherwise	ADV
esutjss-162	237	4	known	know	VERB
esutjss-162	237	5	as	as	ADP
esutjss-162	237	6	judgmental	judgmental	ADJ
esutjss-162	237	7	sampling	sampling	NOUN
esutjss-162	237	8	is	be	AUX
esutjss-162	237	9	the	the	DET
esutjss-162	237	10	intentional	intentional	ADJ
esutjss-162	237	11	choice	choice	NOUN
esutjss-162	237	12	of	of	ADP
esutjss-162	237	13	informants	informant	NOUN
esutjss-162	237	14	/	/	SYM
esutjss-162	237	15	respondents	respondent	NOUN
esutjss-162	237	16	due	due	ADJ
esutjss-162	237	17	to	to	ADP
esutjss-162	237	18	the	the	DET
esutjss-162	237	19	attributes	attribute	NOUN
esutjss-162	237	20	or	or	CCONJ
esutjss-162	237	21	qualities	quality	NOUN
esutjss-162	237	22	possesses	possesse	NOUN
esutjss-162	237	23	.	.	PUNCT
esutjss-162	238	1	it	it	PRON
esutjss-162	238	2	is	be	AUX
esutjss-162	238	3	also	also	ADV
esutjss-162	238	4	a	a	DET
esutjss-162	238	5	non	non	ADJ
esutjss-162	238	6	-	-	ADJ
esutjss-162	238	7	random	random	ADJ
esutjss-162	238	8	technique	technique	NOUN
esutjss-162	238	9	that	that	PRON
esutjss-162	238	10	does	do	AUX
esutjss-162	238	11	not	not	PART
esutjss-162	238	12	require	require	VERB
esutjss-162	238	13	underlying	underlying	ADJ
esutjss-162	238	14	theories	theory	NOUN
esutjss-162	238	15	or	or	CCONJ
esutjss-162	238	16	a	a	DET
esutjss-162	238	17	set	set	ADJ
esutjss-162	238	18	number	number	NOUN
esutjss-162	238	19	of	of	ADP
esutjss-162	238	20	informants	informant	NOUN
esutjss-162	238	21	.	.	PUNCT
esutjss-162	239	1	with	with	ADP
esutjss-162	239	2	purposive	purposive	ADJ
esutjss-162	239	3	sampling	sampling	NOUN
esutjss-162	239	4	,	,	PUNCT
esutjss-162	239	5	the	the	DET
esutjss-162	239	6	researcher	researcher	NOUN
esutjss-162	239	7	decides	decide	VERB
esutjss-162	239	8	what	what	PRON
esutjss-162	239	9	needs	need	VERB
esutjss-162	239	10	to	to	PART
esutjss-162	239	11	be	be	AUX
esutjss-162	239	12	known	know	VERB
esutjss-162	239	13	and	and	CCONJ
esutjss-162	239	14	set	set	VERB
esutjss-162	239	15	out	out	ADP
esutjss-162	239	16	to	to	PART
esutjss-162	239	17	source	source	VERB
esutjss-162	239	18	those	those	DET
esutjss-162	239	19	people	people	NOUN
esutjss-162	239	20	that	that	PRON
esutjss-162	239	21	can	can	AUX
esutjss-162	239	22	and	and	CCONJ
esutjss-162	239	23	as	as	ADV
esutjss-162	239	24	well	well	ADV
esutjss-162	239	25	willing	willing	ADJ
esutjss-162	239	26	to	to	PART
esutjss-162	239	27	provide	provide	VERB
esutjss-162	239	28	the	the	DET
esutjss-162	239	29	information	information	NOUN
esutjss-162	239	30	based	base	VERB
esutjss-162	239	31	on	on	ADP
esutjss-162	239	32	their	their	PRON
esutjss-162	239	33	knowledge	knowledge	NOUN
esutjss-162	239	34	and	and	CCONJ
esutjss-162	239	35	experience	experience	NOUN
esutjss-162	239	36	(	(	PUNCT
esutjss-162	239	37	bernard	bernard	NOUN
esutjss-162	239	38	,	,	PUNCT
esutjss-162	239	39	2002	2002	NUM
esutjss-162	239	40	;	;	PUNCT
esutjss-162	239	41	lewis	lewis	PROPN
esutjss-162	239	42	&	&	CCONJ
esutjss-162	239	43	sheppard	sheppard	PROPN
esutjss-162	239	44	,	,	PUNCT
esutjss-162	239	45	2006	2006	NUM
esutjss-162	239	46	)	)	PUNCT
esutjss-162	239	47	.	.	PUNCT
esutjss-162	240	1	for	for	ADP
esutjss-162	240	2	the	the	DET
esutjss-162	240	3	purpose	purpose	NOUN
esutjss-162	240	4	of	of	ADP
esutjss-162	240	5	this	this	DET
esutjss-162	240	6	study	study	NOUN
esutjss-162	240	7	,	,	PUNCT
esutjss-162	240	8	copies	copy	NOUN
esutjss-162	240	9	of	of	ADP
esutjss-162	240	10	questionnaire	questionnaire	NOUN
esutjss-162	240	11	will	will	AUX
esutjss-162	240	12	be	be	AUX
esutjss-162	240	13	distributed	distribute	VERB
esutjss-162	240	14	amongst	amongst	ADP
esutjss-162	240	15	the	the	DET
esutjss-162	240	16	employees	employee	NOUN
esutjss-162	240	17	working	work	VERB
esutjss-162	240	18	in	in	ADP
esutjss-162	240	19	the	the	DET
esutjss-162	240	20	information	information	NOUN
esutjss-162	240	21	and	and	CCONJ
esutjss-162	240	22	communication	communication	NOUN
esutjss-162	240	23	technology	technology	NOUN
esutjss-162	240	24	sections	section	NOUN
esutjss-162	240	25	(	(	PUNCT
esutjss-162	240	26	ict	ict	PROPN
esutjss-162	240	27	)	)	PUNCT
esutjss-162	240	28	in	in	ADP
esutjss-162	240	29	all	all	DET
esutjss-162	240	30	the	the	DET
esutjss-162	240	31	58	58	NUM
esutjss-162	240	32	insurance	insurance	NOUN
esutjss-162	240	33	companies	company	NOUN
esutjss-162	240	34	in	in	ADP
esutjss-162	240	35	nigeria	nigeria	PROPN
esutjss-162	240	36	purposively	purposively	ADV
esutjss-162	240	37	due	due	ADP
esutjss-162	240	38	to	to	ADP
esutjss-162	240	39	their	their	PRON
esutjss-162	240	40	relevance	relevance	NOUN
esutjss-162	240	41	to	to	ADP
esutjss-162	240	42	the	the	DET
esutjss-162	240	43	objective	objective	NOUN
esutjss-162	240	44	of	of	ADP
esutjss-162	240	45	the	the	DET
esutjss-162	240	46	study	study	NOUN
esutjss-162	240	47	.	.	PUNCT
esutjss-162	241	1	distribution	distribution	NOUN
esutjss-162	241	2	of	of	ADP
esutjss-162	241	3	the	the	DET
esutjss-162	241	4	copies	copy	NOUN
esutjss-162	241	5	of	of	ADP
esutjss-162	241	6	questionnaire	questionnaire	NOUN
esutjss-162	241	7	was	be	AUX
esutjss-162	241	8	made	make	VERB
esutjss-162	241	9	possible	possible	ADJ
esutjss-162	241	10	through	through	ADP
esutjss-162	241	11	the	the	DET
esutjss-162	241	12	members	member	NOUN
esutjss-162	241	13	of	of	ADP
esutjss-162	241	14	ict	ict	PROPN
esutjss-162	241	15	and	and	CCONJ
esutjss-162	241	16	cyber	cyber	NOUN
esutjss-162	241	17	security	security	NOUN
esutjss-162	241	18	committee	committee	NOUN
esutjss-162	241	19	representing	represent	VERB
esutjss-162	241	20	each	each	DET
esutjss-162	241	21	company	company	NOUN
esutjss-162	241	22	at	at	ADP
esutjss-162	241	23	nigeria	nigeria	PROPN
esutjss-162	241	24	insurers	insurers	PROPN
esutjss-162	241	25	association	association	PROPN
esutjss-162	241	26	(	(	PUNCT
esutjss-162	241	27	nia	nia	PROPN
esutjss-162	241	28	)	)	PUNCT
esutjss-162	241	29	which	which	PRON
esutjss-162	241	30	is	be	AUX
esutjss-162	241	31	the	the	DET
esutjss-162	241	32	umbrella	umbrella	NOUN
esutjss-162	241	33	body	body	NOUN
esutjss-162	241	34	of	of	ADP
esutjss-162	241	35	all	all	DET
esutjss-162	241	36	the	the	DET
esutjss-162	241	37	insurance	insurance	NOUN
esutjss-162	241	38	companies	company	NOUN
esutjss-162	241	39	licence	licence	VERB
esutjss-162	241	40	and	and	CCONJ
esutjss-162	241	41	operating	operate	VERB
esutjss-162	241	42	in	in	ADP
esutjss-162	241	43	nigeria	nigeria	PROPN
esutjss-162	241	44	.	.	PUNCT
esutjss-162	242	1	the	the	DET
esutjss-162	242	2	sample	sample	NOUN
esutjss-162	242	3	size	size	NOUN
esutjss-162	242	4	for	for	ADP
esutjss-162	242	5	the	the	DET
esutjss-162	242	6	study	study	NOUN
esutjss-162	242	7	was	be	AUX
esutjss-162	242	8	200	200	NUM
esutjss-162	242	9	employees	employee	NOUN
esutjss-162	242	10	(	(	PUNCT
esutjss-162	242	11	two	two	NUM
esutjss-162	242	12	hundred	hundred	NUM
esutjss-162	242	13	)	)	PUNCT
esutjss-162	242	14	working	work	VERB
esutjss-162	242	15	at	at	ADP
esutjss-162	242	16	the	the	DET
esutjss-162	242	17	ict	ict	PROPN
esutjss-162	242	18	and	and	CCONJ
esutjss-162	242	19	cyber	cyber	NOUN
esutjss-162	242	20	security	security	NOUN
esutjss-162	242	21	unit	unit	NOUN
esutjss-162	242	22	of	of	ADP
esutjss-162	242	23	all	all	DET
esutjss-162	242	24	the	the	DET
esutjss-162	242	25	insurance	insurance	NOUN
esutjss-162	242	26	offices	office	NOUN
esutjss-162	242	27	fully	fully	ADV
esutjss-162	242	28	digitalized	digitalize	VERB
esutjss-162	242	29	in	in	ADP
esutjss-162	242	30	nigeria	nigeria	PROPN
esutjss-162	242	31	.	.	PUNCT
esutjss-162	243	1	the	the	DET
esutjss-162	243	2	distribution	distribution	NOUN
esutjss-162	243	3	of	of	ADP
esutjss-162	243	4	the	the	DET
esutjss-162	243	5	copies	copy	NOUN
esutjss-162	243	6	of	of	ADP
esutjss-162	243	7	questionnaire	questionnaire	NOUN
esutjss-162	243	8	was	be	AUX
esutjss-162	243	9	made	make	VERB
esutjss-162	243	10	possible	possible	ADJ
esutjss-162	243	11	through	through	ADP
esutjss-162	243	12	the	the	DET
esutjss-162	243	13	members	member	NOUN
esutjss-162	243	14	representing	represent	VERB
esutjss-162	243	15	each	each	DET
esutjss-162	243	16	company	company	NOUN
esutjss-162	243	17	at	at	ADP
esutjss-162	243	18	the	the	DET
esutjss-162	243	19	committee	committee	NOUN
esutjss-162	243	20	on	on	ADP
esutjss-162	243	21	ict	ict	PROPN
esutjss-162	243	22	and	and	CCONJ
esutjss-162	243	23	cyber	cyber	ADJ
esutjss-162	243	24	security	security	NOUN
esutjss-162	243	25	at	at	ADP
esutjss-162	243	26	nia	nia	PROPN
esutjss-162	243	27	which	which	PRON
esutjss-162	243	28	is	be	AUX
esutjss-162	243	29	the	the	DET
esutjss-162	243	30	umbrella	umbrella	NOUN
esutjss-162	243	31	body	body	NOUN
esutjss-162	243	32	.	.	PUNCT
esutjss-162	244	1	a	a	DET
esutjss-162	244	2	questionnaire	questionnaire	NOUN
esutjss-162	244	3	was	be	AUX
esutjss-162	244	4	the	the	DET
esutjss-162	244	5	major	major	ADJ
esutjss-162	244	6	tool	tool	NOUN
esutjss-162	244	7	which	which	PRON
esutjss-162	244	8	was	be	AUX
esutjss-162	244	9	used	use	VERB
esutjss-162	244	10	by	by	ADP
esutjss-162	244	11	the	the	DET
esutjss-162	244	12	researcher	researcher	NOUN
esutjss-162	244	13	.	.	PUNCT
esutjss-162	245	1	the	the	DET
esutjss-162	245	2	following	follow	VERB
esutjss-162	245	3	are	be	AUX
esutjss-162	245	4	the	the	DET
esutjss-162	245	5	four	four	NUM
esutjss-162	245	6	(	(	PUNCT
esutjss-162	245	7	4	4	NUM
esutjss-162	245	8	)	)	PUNCT
esutjss-162	245	9	sections	section	NOUN
esutjss-162	245	10	of	of	ADP
esutjss-162	245	11	the	the	DET
esutjss-162	245	12	questionnaire	questionnaire	NOUN
esutjss-162	245	13	:	:	PUNCT
esutjss-162	245	14	the	the	DET
esutjss-162	245	15	5	5	NUM
esutjss-162	245	16	-	-	PUNCT
esutjss-162	245	17	likert	likert	ADJ
esutjss-162	245	18	scale	scale	NOUN
esutjss-162	245	19	was	be	AUX
esutjss-162	245	20	used	use	VERB
esutjss-162	245	21	to	to	PART
esutjss-162	245	22	structure	structure	VERB
esutjss-162	245	23	the	the	DET
esutjss-162	245	24	questionnaire	questionnaire	NOUN
esutjss-162	245	25	(	(	PUNCT
esutjss-162	245	26	strongly	strongly	ADV
esutjss-162	245	27	agree	agree	VERB
esutjss-162	245	28	,	,	PUNCT
esutjss-162	245	29	agree	agree	VERB
esutjss-162	245	30	,	,	PUNCT
esutjss-162	245	31	undecided	undecided	ADJ
esutjss-162	245	32	,	,	PUNCT
esutjss-162	245	33	disagree	disagree	VERB
esutjss-162	245	34	,	,	PUNCT
esutjss-162	245	35	strongly	strongly	ADV
esutjss-162	245	36	disagree	disagree	VERB
esutjss-162	245	37	)	)	PUNCT
esutjss-162	245	38	.	.	PUNCT
esutjss-162	246	1	there	there	PRON
esutjss-162	246	2	are	be	VERB
esutjss-162	246	3	four	four	NUM
esutjss-162	246	4	sections	section	NOUN
esutjss-162	246	5	to	to	ADP
esutjss-162	246	6	the	the	DET
esutjss-162	246	7	questionnaire	questionnaire	NOUN
esutjss-162	246	8	:	:	PUNCT
esutjss-162	246	9	section	section	NOUN
esutjss-162	246	10	a	a	PRON
esutjss-162	246	11	was	be	AUX
esutjss-162	246	12	used	use	VERB
esutjss-162	246	13	to	to	PART
esutjss-162	246	14	collect	collect	VERB
esutjss-162	246	15	data	datum	NOUN
esutjss-162	246	16	on	on	ADP
esutjss-162	246	17	respondent	respondent	ADJ
esutjss-162	246	18	demographic	demographic	ADJ
esutjss-162	246	19	characteristics	characteristic	NOUN
esutjss-162	246	20	;	;	PUNCT
esutjss-162	246	21	section	section	NOUN
esutjss-162	246	22	b	b	NOUN
esutjss-162	246	23	contain	contain	VERB
esutjss-162	246	24	12	12	NUM
esutjss-162	246	25	items	item	NOUN
esutjss-162	246	26	assessing	assess	VERB
esutjss-162	246	27	the	the	DET
esutjss-162	246	28	cloud	cloud	NOUN
esutjss-162	246	29	based	base	VERB
esutjss-162	246	30	collaborative	collaborative	ADJ
esutjss-162	246	31	suites	suite	NOUN
esutjss-162	246	32	and	and	CCONJ
esutjss-162	246	33	employee	employee	NOUN
esutjss-162	246	34	enablement	enablement	NOUN
esutjss-162	246	35	.	.	PUNCT
esutjss-162	247	1	the	the	DET
esutjss-162	247	2	content	content	NOUN
esutjss-162	247	3	validity	validity	NOUN
esutjss-162	247	4	approach	approach	NOUN
esutjss-162	247	5	of	of	ADP
esutjss-162	247	6	crossexamination	crossexamination	NOUN
esutjss-162	247	7	and	and	CCONJ
esutjss-162	247	8	verification	verification	NOUN
esutjss-162	247	9	was	be	AUX
esutjss-162	247	10	utilized	utilize	VERB
esutjss-162	247	11	to	to	PART
esutjss-162	247	12	establish	establish	VERB
esutjss-162	247	13	the	the	DET
esutjss-162	247	14	extent	extent	NOUN
esutjss-162	247	15	to	to	PART
esutjss-162	247	16	which	which	PRON
esutjss-162	247	17	the	the	DET
esutjss-162	247	18	survey	survey	NOUN
esutjss-162	247	19	instruments	instrument	NOUN
esutjss-162	247	20	attained	attain	VERB
esutjss-162	247	21	their	their	PRON
esutjss-162	247	22	goals	goal	NOUN
esutjss-162	247	23	.	.	PUNCT
esutjss-162	248	1	the	the	DET
esutjss-162	248	2	researcher	researcher	NOUN
esutjss-162	248	3	also	also	ADV
esutjss-162	248	4	meet	meet	VERB
esutjss-162	248	5	with	with	ADP
esutjss-162	248	6	experience	experience	NOUN
esutjss-162	248	7	research	research	NOUN
esutjss-162	248	8	in	in	ADP
esutjss-162	248	9	the	the	DET
esutjss-162	248	10	same	same	ADJ
esutjss-162	248	11	field	field	NOUN
esutjss-162	248	12	for	for	ADP
esutjss-162	248	13	suitable	suitable	ADJ
esutjss-162	248	14	evaluation	evaluation	NOUN
esutjss-162	248	15	and	and	CCONJ
esutjss-162	248	16	revisions	revision	NOUN
esutjss-162	248	17	to	to	ADP
esutjss-162	248	18	the	the	DET
esutjss-162	248	19	suggested	suggest	VERB
esutjss-162	248	20	research	research	NOUN
esutjss-162	248	21	instrument	instrument	NOUN
esutjss-162	248	22	,	,	PUNCT
esutjss-162	248	23	and	and	CCONJ
esutjss-162	248	24	the	the	DET
esutjss-162	248	25	questionnaire	questionnaire	NOUN
esutjss-162	248	26	contained	contain	VERB
esutjss-162	248	27	only	only	ADV
esutjss-162	248	28	relevant	relevant	ADJ
esutjss-162	248	29	and	and	CCONJ
esutjss-162	248	30	valid	valid	ADJ
esutjss-162	248	31	parts	part	NOUN
esutjss-162	248	32	.	.	PUNCT
esutjss-162	249	1	the	the	DET
esutjss-162	249	2	instrument	instrument	NOUN
esutjss-162	249	3	was	be	AUX
esutjss-162	249	4	pre	pre	VERB
esutjss-162	249	5	-	-	VERB
esutjss-162	249	6	tested	test	VERB
esutjss-162	249	7	on	on	ADP
esutjss-162	249	8	10	10	NUM
esutjss-162	249	9	%	%	NOUN
esutjss-162	249	10	of	of	ADP
esutjss-162	249	11	the	the	DET
esutjss-162	249	12	employees	employee	NOUN
esutjss-162	249	13	of	of	ADP
esutjss-162	249	14	insurance	insurance	NOUN
esutjss-162	249	15	companies	company	NOUN
esutjss-162	249	16	from	from	ADP
esutjss-162	249	17	a	a	DET
esutjss-162	249	18	non	non	ADJ
esutjss-162	249	19	-	-	ADJ
esutjss-162	249	20	participating	participate	VERB
esutjss-162	249	21	location	location	NOUN
esutjss-162	249	22	to	to	PART
esutjss-162	249	23	ensure	ensure	VERB
esutjss-162	249	24	its	its	PRON
esutjss-162	249	25	dependability	dependability	NOUN
esutjss-162	249	26	.	.	PUNCT
esutjss-162	250	1	following	follow	VERB
esutjss-162	250	2	the	the	DET
esutjss-162	250	3	pre	pre	NOUN
esutjss-162	250	4	-	-	NOUN
esutjss-162	250	5	test	test	NOUN
esutjss-162	250	6	,	,	PUNCT
esutjss-162	250	7	the	the	DET
esutjss-162	250	8	instrument	instrument	NOUN
esutjss-162	250	9	was	be	AUX
esutjss-162	250	10	evaluated	evaluate	VERB
esutjss-162	250	11	,	,	PUNCT
esutjss-162	250	12	and	and	CCONJ
esutjss-162	250	13	necessary	necessary	ADJ
esutjss-162	250	14	adjustments	adjustment	NOUN
esutjss-162	250	15	were	be	AUX
esutjss-162	250	16	made	make	VERB
esutjss-162	250	17	before	before	SCONJ
esutjss-162	250	18	the	the	DET
esutjss-162	250	19	questionnaire	questionnaire	NOUN
esutjss-162	250	20	is	be	AUX
esutjss-162	250	21	sent	send	VERB
esutjss-162	250	22	.	.	PUNCT
esutjss-162	251	1	each	each	DET
esutjss-162	251	2	portion	portion	NOUN
esutjss-162	251	3	of	of	ADP
esutjss-162	251	4	the	the	DET
esutjss-162	251	5	questionnaire	questionnaire	NOUN
esutjss-162	251	6	was	be	AUX
esutjss-162	251	7	reviewed	review	VERB
esutjss-162	251	8	for	for	ADP
esutjss-162	251	9	ambiguity	ambiguity	NOUN
esutjss-162	251	10	and	and	CCONJ
esutjss-162	251	11	relevance	relevance	NOUN
esutjss-162	251	12	,	,	PUNCT
esutjss-162	251	13	and	and	CCONJ
esutjss-162	251	14	a	a	DET
esutjss-162	251	15	reliability	reliability	NOUN
esutjss-162	251	16	coefficient	coefficient	NOUN
esutjss-162	251	17	was	be	AUX
esutjss-162	251	18	determined	determine	VERB
esutjss-162	251	19	.	.	PUNCT
esutjss-162	252	1	97	97	NUM
esutjss-162	252	2	reliabilty	reliabilty	NOUN
esutjss-162	252	3	test	test	NOUN
esutjss-162	252	4	table	table	NOUN
esutjss-162	252	5	for	for	ADP
esutjss-162	252	6	variables	variable	NOUN
esutjss-162	252	7	variables	variable	NOUN
esutjss-162	252	8	cronbach	cronbach	VERB
esutjss-162	252	9	’s	’s	PART
esutjss-162	252	10	alpha	alpha	NOUN
esutjss-162	252	11	(	(	PUNCT
esutjss-162	252	12	a	a	X
esutjss-162	252	13	)	)	PUNCT
esutjss-162	252	14	number	number	NOUN
esutjss-162	252	15	of	of	ADP
esutjss-162	252	16	items	item	NOUN
esutjss-162	252	17	remark	remark	VERB
esutjss-162	252	18	average	average	ADJ
esutjss-162	252	19	cloud	cloud	NOUN
esutjss-162	252	20	based	base	VERB
esutjss-162	252	21	collaboration	collaboration	NOUN
esutjss-162	252	22	suites	suit	VERB
esutjss-162	252	23	0.875	0.875	NUM
esutjss-162	252	24	6	6	NUM
esutjss-162	252	25	high	high	ADJ
esutjss-162	252	26	reliability	reliability	NOUN
esutjss-162	252	27	average	average	ADJ
esutjss-162	252	28	employee	employee	NOUN
esutjss-162	252	29	enablement	enablement	NOUN
esutjss-162	252	30	0.721	0.721	NUM
esutjss-162	252	31	6	6	NUM
esutjss-162	252	32	high	high	ADJ
esutjss-162	252	33	reliability	reliability	NOUN
esutjss-162	252	34	average	average	ADJ
esutjss-162	252	35	sustainability	sustainability	NOUN
esutjss-162	252	36	of	of	ADP
esutjss-162	252	37	insurance	insurance	NOUN
esutjss-162	252	38	0.891	0.891	NUM
esutjss-162	252	39	6	6	NUM
esutjss-162	252	40	high	high	ADJ
esutjss-162	252	41	reliability	reliability	NOUN
esutjss-162	252	42	source	source	NOUN
esutjss-162	252	43	:	:	PUNCT
esutjss-162	252	44	author	author	NOUN
esutjss-162	252	45	’s	’s	PART
esutjss-162	252	46	computation	computation	NOUN
esutjss-162	252	47	,	,	PUNCT
esutjss-162	252	48	2022	2022	NUM
esutjss-162	252	49	.	.	PUNCT
esutjss-162	253	1	companies	company	NOUN
esutjss-162	253	2	selected	select	VERB
esutjss-162	253	3	for	for	ADP
esutjss-162	253	4	the	the	DET
esutjss-162	253	5	research	research	NOUN
esutjss-162	253	6	were	be	AUX
esutjss-162	253	7	asked	ask	VERB
esutjss-162	253	8	to	to	PART
esutjss-162	253	9	fill	fill	VERB
esutjss-162	253	10	out	out	ADP
esutjss-162	253	11	questionnaires	questionnaire	NOUN
esutjss-162	253	12	.	.	PUNCT
esutjss-162	254	1	the	the	DET
esutjss-162	254	2	subjects	subject	NOUN
esutjss-162	254	3	were	be	AUX
esutjss-162	254	4	informed	inform	VERB
esutjss-162	254	5	of	of	ADP
esutjss-162	254	6	the	the	DET
esutjss-162	254	7	study	study	NOUN
esutjss-162	254	8	's	's	PART
esutjss-162	254	9	main	main	ADJ
esutjss-162	254	10	purpose	purpose	NOUN
esutjss-162	254	11	,	,	PUNCT
esutjss-162	254	12	as	as	ADV
esutjss-162	254	13	well	well	ADV
esutjss-162	254	14	as	as	ADP
esutjss-162	254	15	information	information	NOUN
esutjss-162	254	16	concerning	concern	VERB
esutjss-162	254	17	their	their	PRON
esutjss-162	254	18	anonymity	anonymity	NOUN
esutjss-162	254	19	and	and	CCONJ
esutjss-162	254	20	confidentiality	confidentiality	NOUN
esutjss-162	254	21	.	.	PUNCT
esutjss-162	255	1	the	the	DET
esutjss-162	255	2	instrument	instrument	NOUN
esutjss-162	255	3	was	be	AUX
esutjss-162	255	4	administered	administer	VERB
esutjss-162	255	5	by	by	ADP
esutjss-162	255	6	the	the	DET
esutjss-162	255	7	researcher	researcher	NOUN
esutjss-162	255	8	with	with	ADP
esutjss-162	255	9	the	the	DET
esutjss-162	255	10	help	help	NOUN
esutjss-162	255	11	of	of	ADP
esutjss-162	255	12	two	two	NUM
esutjss-162	255	13	research	research	NOUN
esutjss-162	255	14	assistants	assistant	NOUN
esutjss-162	255	15	.	.	PUNCT
esutjss-162	256	1	the	the	DET
esutjss-162	256	2	respondents	respondent	NOUN
esutjss-162	256	3	were	be	AUX
esutjss-162	256	4	encouraged	encourage	VERB
esutjss-162	256	5	to	to	PART
esutjss-162	256	6	express	express	VERB
esutjss-162	256	7	themselves	themselves	PRON
esutjss-162	256	8	freely	freely	ADV
esutjss-162	256	9	and	and	CCONJ
esutjss-162	256	10	informed	inform	VERB
esutjss-162	256	11	that	that	SCONJ
esutjss-162	256	12	their	their	PRON
esutjss-162	256	13	comments	comment	NOUN
esutjss-162	256	14	will	will	AUX
esutjss-162	256	15	be	be	AUX
esutjss-162	256	16	utilized	utilize	VERB
esutjss-162	256	17	for	for	ADP
esutjss-162	256	18	study	study	NOUN
esutjss-162	256	19	.	.	PUNCT
esutjss-162	257	1	to	to	PART
esutjss-162	257	2	examine	examine	VERB
esutjss-162	257	3	demographic	demographic	ADJ
esutjss-162	257	4	parameters	parameter	NOUN
esutjss-162	257	5	such	such	ADJ
esutjss-162	257	6	as	as	ADP
esutjss-162	257	7	age	age	NOUN
esutjss-162	257	8	,	,	PUNCT
esutjss-162	257	9	gender	gender	NOUN
esutjss-162	257	10	,	,	PUNCT
esutjss-162	257	11	educational	educational	ADJ
esutjss-162	257	12	attainment	attainment	NOUN
esutjss-162	257	13	,	,	PUNCT
esutjss-162	257	14	length	length	NOUN
esutjss-162	257	15	of	of	ADP
esutjss-162	257	16	work	work	NOUN
esutjss-162	257	17	,	,	PUNCT
esutjss-162	257	18	and	and	CCONJ
esutjss-162	257	19	the	the	DET
esutjss-162	257	20	research	research	NOUN
esutjss-162	257	21	goals	goal	NOUN
esutjss-162	257	22	,	,	PUNCT
esutjss-162	257	23	simple	simple	ADJ
esutjss-162	257	24	percentage	percentage	NOUN
esutjss-162	257	25	distributions	distribution	NOUN
esutjss-162	257	26	and	and	CCONJ
esutjss-162	257	27	frequency	frequency	NOUN
esutjss-162	257	28	counts	count	NOUN
esutjss-162	257	29	was	be	AUX
esutjss-162	257	30	used	use	VERB
esutjss-162	257	31	.	.	PUNCT
esutjss-162	258	1	in	in	ADP
esutjss-162	258	2	contrast	contrast	NOUN
esutjss-162	258	3	,	,	PUNCT
esutjss-162	258	4	the	the	DET
esutjss-162	258	5	study	study	NOUN
esutjss-162	258	6	hypotheses	hypothesis	NOUN
esutjss-162	258	7	were	be	AUX
esutjss-162	258	8	evaluated	evaluate	VERB
esutjss-162	258	9	using	use	VERB
esutjss-162	258	10	the	the	DET
esutjss-162	258	11	regression	regression	NOUN
esutjss-162	258	12	analysis	analysis	NOUN
esutjss-162	258	13	.	.	PUNCT
esutjss-162	259	1	results	result	NOUN
esutjss-162	259	2	and	and	CCONJ
esutjss-162	259	3	discussion	discussion	NOUN
esutjss-162	259	4	h01	h01	NOUN
esutjss-162	259	5	:	:	PUNCT
esutjss-162	259	6	cloud	cloud	PROPN
esutjss-162	259	7	based	base	VERB
esutjss-162	259	8	collaborative	collaborative	ADJ
esutjss-162	259	9	suites	suite	NOUN
esutjss-162	259	10	does	do	AUX
esutjss-162	259	11	not	not	PART
esutjss-162	259	12	have	have	VERB
esutjss-162	259	13	an	an	DET
esutjss-162	259	14	influence	influence	NOUN
esutjss-162	259	15	on	on	ADP
esutjss-162	259	16	the	the	DET
esutjss-162	259	17	sustainability	sustainability	NOUN
esutjss-162	259	18	of	of	ADP
esutjss-162	259	19	insurance	insurance	NOUN
esutjss-162	259	20	companies	company	NOUN
esutjss-162	259	21	in	in	ADP
esutjss-162	259	22	nigeria	nigeria	PROPN
esutjss-162	259	23	y	y	PROPN
esutjss-162	259	24	=	=	ADJ
esutjss-162	259	25	α0+β1x1+e	α0+β1x1+e	NOUN
esutjss-162	259	26	…	…	SYM
esutjss-162	259	27	…	…	PUNCT
esutjss-162	259	28	…	…	PUNCT
esutjss-162	259	29	…	…	PUNCT
esutjss-162	259	30	…	…	PUNCT
esutjss-162	259	31	…	…	PUNCT
esutjss-162	259	32	…	…	PUNCT
esutjss-162	259	33	…	…	SYM
esutjss-162	259	34	(1	(1	X
esutjss-162	259	35	)	)	PUNCT
esutjss-162	260	1	where	where	SCONJ
esutjss-162	260	2	:	:	PUNCT
esutjss-162	260	3	y	y	PROPN
esutjss-162	260	4	=	=	SYM
esutjss-162	260	5	cloud	cloud	PROPN
esutjss-162	260	6	based	base	VERB
esutjss-162	260	7	collaborative	collaborative	ADJ
esutjss-162	260	8	suites	suite	NOUN
esutjss-162	260	9	(	(	PUNCT
esutjss-162	260	10	cbcs	cbc	NOUN
esutjss-162	260	11	)	)	PUNCT
esutjss-162	260	12	α0	α0	ADJ
esutjss-162	260	13	=	=	SYM
esutjss-162	260	14	autonomous	autonomous	ADJ
esutjss-162	260	15	β1	β1	PROPN
esutjss-162	260	16	=	=	NOUN
esutjss-162	260	17	slope	slope	NOUN
esutjss-162	260	18	of	of	ADP
esutjss-162	260	19	a	a	DET
esutjss-162	260	20	line	line	NOUN
esutjss-162	260	21	x1	x1	NOUN
esutjss-162	261	1	=	=	PUNCT
esutjss-162	261	2	digital	digital	ADJ
esutjss-162	261	3	transformation	transformation	NOUN
esutjss-162	261	4	strategy	strategy	NOUN
esutjss-162	261	5	e	e	NOUN
esutjss-162	261	6	=	=	NOUN
esutjss-162	261	7	error	error	NOUN
esutjss-162	261	8	model	model	NOUN
esutjss-162	261	9	summary	summary	NOUN
esutjss-162	261	10	model	model	NOUN
esutjss-162	261	11	r	r	PROPN
esutjss-162	261	12	r	r	NOUN
esutjss-162	261	13	square	square	ADJ
esutjss-162	261	14	adjusted	adjust	VERB
esutjss-162	261	15	r	r	NOUN
esutjss-162	261	16	square	square	ADJ
esutjss-162	261	17	std	std	NOUN
esutjss-162	261	18	.	.	PUNCT
esutjss-162	262	1	error	error	NOUN
esutjss-162	262	2	of	of	ADP
esutjss-162	262	3	the	the	DET
esutjss-162	262	4	estimate	estimate	NOUN
esutjss-162	262	5	1	1	NUM
esutjss-162	262	6	.324a	.324a	PROPN
esutjss-162	262	7	.105	.105	NUM
esutjss-162	262	8	.101	.101	NUM
esutjss-162	262	9	4.10201	4.10201	NUM
esutjss-162	262	10	a.	a.	NOUN
esutjss-162	262	11	predictors	predictor	NOUN
esutjss-162	262	12	:	:	PUNCT
esutjss-162	262	13	(	(	PUNCT
esutjss-162	262	14	constant	constant	ADJ
esutjss-162	262	15	)	)	PUNCT
esutjss-162	262	16	,	,	PUNCT
esutjss-162	262	17	cbcs	cbc	NOUN
esutjss-162	262	18	98	98	NUM
esutjss-162	262	19	a	a	DET
esutjss-162	262	20	simple	simple	ADJ
esutjss-162	262	21	linear	linear	ADJ
esutjss-162	262	22	regression	regression	NOUN
esutjss-162	262	23	was	be	AUX
esutjss-162	262	24	run	run	VERB
esutjss-162	262	25	to	to	PART
esutjss-162	262	26	predict	predict	VERB
esutjss-162	262	27	sustainability	sustainability	NOUN
esutjss-162	262	28	of	of	ADP
esutjss-162	262	29	insurance	insurance	NOUN
esutjss-162	262	30	companies	company	NOUN
esutjss-162	262	31	in	in	ADP
esutjss-162	262	32	nigeria	nigeria	PROPN
esutjss-162	262	33	(	(	PUNCT
esutjss-162	262	34	dependent	dependent	ADJ
esutjss-162	262	35	variable	variable	NOUN
esutjss-162	262	36	)	)	PUNCT
esutjss-162	262	37	from	from	ADP
esutjss-162	262	38	cloud	cloud	NOUN
esutjss-162	262	39	based	base	VERB
esutjss-162	262	40	collaborative	collaborative	ADJ
esutjss-162	262	41	suites	suite	NOUN
esutjss-162	262	42	(	(	PUNCT
esutjss-162	262	43	independent	independent	ADJ
esutjss-162	262	44	variable	variable	NOUN
esutjss-162	262	45	)	)	PUNCT
esutjss-162	262	46	.	.	PUNCT
esutjss-162	263	1	the	the	DET
esutjss-162	263	2	first	first	ADJ
esutjss-162	263	3	table	table	NOUN
esutjss-162	263	4	(	(	PUNCT
esutjss-162	263	5	model	model	NOUN
esutjss-162	263	6	summary	summary	NOUN
esutjss-162	263	7	)	)	PUNCT
esutjss-162	263	8	indicates	indicate	VERB
esutjss-162	263	9	that	that	SCONJ
esutjss-162	263	10	the	the	DET
esutjss-162	263	11	independent	independent	ADJ
esutjss-162	263	12	variable	variable	NOUN
esutjss-162	263	13	yielded	yield	VERB
esutjss-162	263	14	a	a	DET
esutjss-162	263	15	coefficient	coefficient	NOUN
esutjss-162	263	16	of	of	ADP
esutjss-162	263	17	determination	determination	NOUN
esutjss-162	263	18	(	(	PUNCT
esutjss-162	263	19	r2	r2	PROPN
esutjss-162	263	20	)	)	PUNCT
esutjss-162	263	21	of	of	ADP
esutjss-162	263	22	0.105	0.105	NUM
esutjss-162	263	23	accounting	account	VERB
esutjss-162	263	24	for	for	ADP
esutjss-162	263	25	10.5	10.5	NUM
esutjss-162	263	26	%	%	NOUN
esutjss-162	263	27	of	of	ADP
esutjss-162	263	28	the	the	DET
esutjss-162	263	29	proportion	proportion	NOUN
esutjss-162	263	30	of	of	ADP
esutjss-162	263	31	variance	variance	NOUN
esutjss-162	263	32	in	in	ADP
esutjss-162	263	33	dependent	dependent	ADJ
esutjss-162	263	34	variable	variable	NOUN
esutjss-162	263	35	that	that	PRON
esutjss-162	263	36	is	be	AUX
esutjss-162	263	37	explained	explain	VERB
esutjss-162	263	38	by	by	ADP
esutjss-162	263	39	the	the	DET
esutjss-162	263	40	independent	independent	ADJ
esutjss-162	263	41	variable	variable	NOUN
esutjss-162	263	42	.	.	PUNCT
esutjss-162	264	1	anovaa	anovaa	PROPN
esutjss-162	264	2	model	model	PROPN
esutjss-162	264	3	sum	sum	PROPN
esutjss-162	264	4	of	of	ADP
esutjss-162	264	5	squares	square	NOUN
esutjss-162	264	6	df	df	PROPN
esutjss-162	264	7	mean	mean	PROPN
esutjss-162	264	8	square	square	PROPN
esutjss-162	264	9	f	f	PROPN
esutjss-162	264	10	sig	sig	PROPN
esutjss-162	264	11	.	.	PROPN
esutjss-162	264	12	1	1	NUM
esutjss-162	264	13	regression	regression	VERB
esutjss-162	264	14	483.711	483.711	NUM
esutjss-162	264	15	1	1	NUM
esutjss-162	264	16	483.711	483.711	NUM
esutjss-162	264	17	28.747	28.747	NUM
esutjss-162	265	1	.000b	.000b	PROPN
esutjss-162	266	1	residual	residual	ADJ
esutjss-162	267	1	4122.499	4122.499	NUM
esutjss-162	267	2	245	245	NUM
esutjss-162	267	3	16.827	16.827	NUM
esutjss-162	267	4	total	total	NOUN
esutjss-162	267	5	4606.211	4606.211	NUM
esutjss-162	267	6	246	246	NUM
esutjss-162	267	7	a.	a.	NOUN
esutjss-162	267	8	dependent	dependent	ADJ
esutjss-162	267	9	variable	variable	NOUN
esutjss-162	267	10	:	:	PUNCT
esutjss-162	267	11	sustainability	sustainability	PROPN
esutjss-162	267	12	b.	b.	PROPN
esutjss-162	267	13	predictors	predictor	NOUN
esutjss-162	267	14	:	:	PUNCT
esutjss-162	267	15	(	(	PUNCT
esutjss-162	267	16	constant	constant	ADJ
esutjss-162	267	17	)	)	PUNCT
esutjss-162	267	18	,	,	PUNCT
esutjss-162	267	19	cbcs	cbc	VERB
esutjss-162	267	20	the	the	DET
esutjss-162	267	21	second	second	ADJ
esutjss-162	267	22	table	table	NOUN
esutjss-162	267	23	(	(	PUNCT
esutjss-162	267	24	anova	anova	PROPN
esutjss-162	267	25	)	)	PUNCT
esutjss-162	267	26	shows	show	VERB
esutjss-162	267	27	the	the	DET
esutjss-162	267	28	analysis	analysis	NOUN
esutjss-162	267	29	of	of	ADP
esutjss-162	267	30	variance	variance	NOUN
esutjss-162	267	31	for	for	ADP
esutjss-162	267	32	the	the	DET
esutjss-162	267	33	linear	linear	PROPN
esutjss-162	267	34	regression	regression	NOUN
esutjss-162	267	35	data	datum	NOUN
esutjss-162	267	36	produced	produce	VERB
esutjss-162	267	37	f	f	X
esutjss-162	267	38	-	-	PUNCT
esutjss-162	267	39	ratio	ratio	NOUN
esutjss-162	267	40	value	value	NOUN
esutjss-162	267	41	of	of	ADP
esutjss-162	267	42	28.747	28.747	NUM
esutjss-162	267	43	which	which	PRON
esutjss-162	267	44	is	be	AUX
esutjss-162	267	45	statistically	statistically	ADV
esutjss-162	267	46	significant	significant	ADJ
esutjss-162	267	47	because	because	SCONJ
esutjss-162	267	48	the	the	DET
esutjss-162	267	49	significance	significance	NOUN
esutjss-162	267	50	level	level	NOUN
esutjss-162	267	51	is	be	AUX
esutjss-162	267	52	=	=	NUM
esutjss-162	267	53	.000	.000	NUM
esutjss-162	267	54	which	which	PRON
esutjss-162	267	55	is	be	AUX
esutjss-162	267	56	less	less	ADJ
esutjss-162	267	57	than	than	ADP
esutjss-162	267	58	p≤	p≤	NOUN
esutjss-162	267	59	0.05	0.05	NUM
esutjss-162	267	60	.	.	PUNCT
esutjss-162	268	1	this	this	PRON
esutjss-162	268	2	implies	imply	VERB
esutjss-162	268	3	that	that	SCONJ
esutjss-162	268	4	the	the	DET
esutjss-162	268	5	regression	regression	NOUN
esutjss-162	268	6	model	model	NOUN
esutjss-162	268	7	is	be	AUX
esutjss-162	268	8	statistically	statistically	ADV
esutjss-162	268	9	significant	significant	ADJ
esutjss-162	268	10	,	,	PUNCT
esutjss-162	268	11	valid	valid	ADJ
esutjss-162	268	12	and	and	CCONJ
esutjss-162	268	13	fit	fit	ADJ
esutjss-162	268	14	.	.	PUNCT
esutjss-162	269	1	the	the	DET
esutjss-162	269	2	valid	valid	ADJ
esutjss-162	269	3	regression	regression	NOUN
esutjss-162	269	4	model	model	NOUN
esutjss-162	269	5	implies	imply	VERB
esutjss-162	269	6	that	that	SCONJ
esutjss-162	269	7	independent	independent	ADJ
esutjss-162	269	8	variable	variable	NOUN
esutjss-162	269	9	(	(	PUNCT
esutjss-162	269	10	cloud	cloud	NOUN
esutjss-162	269	11	based	base	VERB
esutjss-162	269	12	collaborative	collaborative	ADJ
esutjss-162	269	13	suites	suite	NOUN
esutjss-162	269	14	)	)	PUNCT
esutjss-162	269	15	does	do	AUX
esutjss-162	269	16	have	have	VERB
esutjss-162	269	17	an	an	DET
esutjss-162	269	18	influence	influence	NOUN
esutjss-162	269	19	with	with	ADP
esutjss-162	269	20	the	the	DET
esutjss-162	269	21	dependent	dependent	ADJ
esutjss-162	269	22	variable	variable	NOUN
esutjss-162	269	23	(	(	PUNCT
esutjss-162	269	24	sustainability	sustainability	NOUN
esutjss-162	269	25	of	of	ADP
esutjss-162	269	26	insurance	insurance	NOUN
esutjss-162	269	27	companies	company	NOUN
esutjss-162	269	28	)	)	PUNCT
esutjss-162	269	29	.	.	PUNCT
esutjss-162	270	1	coefficientsa	coefficientsa	NOUN
esutjss-162	270	2	model	model	VERB
esutjss-162	270	3	unstandardized	unstandardized	ADJ
esutjss-162	270	4	coefficients	coefficient	NOUN
esutjss-162	270	5	standardized	standardize	VERB
esutjss-162	270	6	coefficients	coefficient	NOUN
esutjss-162	270	7	t	t	PROPN
esutjss-162	270	8	sig	sig	PROPN
esutjss-162	270	9	.	.	PUNCT
esutjss-162	271	1	b	b	X
esutjss-162	271	2	std	std	PROPN
esutjss-162	271	3	.	.	NOUN
esutjss-162	271	4	error	error	NOUN
esutjss-162	271	5	beta	beta	NOUN
esutjss-162	271	6	1	1	NUM
esutjss-162	271	7	(	(	PUNCT
esutjss-162	271	8	constant	constant	ADJ
esutjss-162	271	9	)	)	PUNCT
esutjss-162	271	10	13.910	13.910	NUM
esutjss-162	271	11	1.978	1.978	NUM
esutjss-162	271	12	7.033	7.033	NUM
esutjss-162	271	13	.000	.000	NUM
esutjss-162	271	14	cbcs	cbc	NOUN
esutjss-162	271	15	.423	.423	NUM
esutjss-162	271	16	.079	.079	NUM
esutjss-162	271	17	.324	.324	NUM
esutjss-162	271	18	5.362	5.362	NUM
esutjss-162	271	19	.000	.000	NUM
esutjss-162	271	20	a.	a.	NOUN
esutjss-162	271	21	dependent	dependent	ADJ
esutjss-162	271	22	variable	variable	NOUN
esutjss-162	271	23	:	:	PUNCT
esutjss-162	271	24	sustainability	sustainability	NOUN
esutjss-162	271	25	the	the	DET
esutjss-162	271	26	third	third	ADJ
esutjss-162	271	27	table	table	NOUN
esutjss-162	271	28	(	(	PUNCT
esutjss-162	271	29	coefficient	coefficient	NOUN
esutjss-162	271	30	)	)	PUNCT
esutjss-162	271	31	indicates	indicate	VERB
esutjss-162	271	32	that	that	SCONJ
esutjss-162	271	33	the	the	DET
esutjss-162	271	34	independent	independent	ADJ
esutjss-162	271	35	variable	variable	NOUN
esutjss-162	271	36	(	(	PUNCT
esutjss-162	271	37	i.e.	i.e.	X
esutjss-162	271	38	cloud	cloud	NOUN
esutjss-162	271	39	based	base	VERB
esutjss-162	271	40	collaborative	collaborative	ADJ
esutjss-162	271	41	suites	suite	NOUN
esutjss-162	271	42	)	)	PUNCT
esutjss-162	271	43	contribute	contribute	VERB
esutjss-162	271	44	positively	positively	ADV
esutjss-162	271	45	and	and	CCONJ
esutjss-162	271	46	statistically	statistically	ADV
esutjss-162	271	47	to	to	ADP
esutjss-162	271	48	sustainability	sustainability	NOUN
esutjss-162	271	49	of	of	ADP
esutjss-162	271	50	insurance	insurance	NOUN
esutjss-162	271	51	companies	company	NOUN
esutjss-162	271	52	at	at	ADP
esutjss-162	271	53	p≤0.05	p≤0.05	PROPN
esutjss-162	271	54	.	.	PUNCT
esutjss-162	272	1	h02	h02	PROPN
esutjss-162	272	2	:	:	PUNCT
esutjss-162	272	3	employee	employee	NOUN
esutjss-162	272	4	enablement	enablement	NOUN
esutjss-162	272	5	does	do	AUX
esutjss-162	272	6	not	not	PART
esutjss-162	272	7	have	have	VERB
esutjss-162	272	8	an	an	DET
esutjss-162	272	9	influence	influence	NOUN
esutjss-162	272	10	on	on	ADP
esutjss-162	272	11	the	the	DET
esutjss-162	272	12	sustainability	sustainability	NOUN
esutjss-162	272	13	of	of	ADP
esutjss-162	272	14	insurance	insurance	NOUN
esutjss-162	272	15	companies	company	NOUN
esutjss-162	272	16	in	in	ADP
esutjss-162	272	17	nigeria	nigeria	PROPN
esutjss-162	272	18	y	y	PROPN
esutjss-162	272	19	=	=	ADJ
esutjss-162	272	20	α0+β1x1+e	α0+β1x1+e	NOUN
esutjss-162	272	21	…	…	SYM
esutjss-162	272	22	…	…	PUNCT
esutjss-162	272	23	…	…	PUNCT
esutjss-162	272	24	…	…	PUNCT
esutjss-162	272	25	…	…	PUNCT
esutjss-162	272	26	…	…	PUNCT
esutjss-162	272	27	…	…	PUNCT
esutjss-162	272	28	…	…	SYM
esutjss-162	272	29	(1	(1	X
esutjss-162	272	30	)	)	PUNCT
esutjss-162	273	1	where	where	SCONJ
esutjss-162	273	2	:	:	PUNCT
esutjss-162	273	3	y	y	PROPN
esutjss-162	273	4	=	=	SYM
esutjss-162	273	5	employee	employee	NOUN
esutjss-162	273	6	enablement	enablement	NOUN
esutjss-162	273	7	(	(	PUNCT
esutjss-162	273	8	ee	ee	NOUN
esutjss-162	273	9	)	)	PUNCT
esutjss-162	273	10	α0	α0	ADJ
esutjss-162	273	11	=	=	SYM
esutjss-162	273	12	autonomous	autonomous	ADJ
esutjss-162	273	13	β1	β1	PROPN
esutjss-162	273	14	=	=	NOUN
esutjss-162	273	15	slope	slope	NOUN
esutjss-162	273	16	of	of	ADP
esutjss-162	273	17	a	a	DET
esutjss-162	273	18	line	line	NOUN
esutjss-162	274	1	x1	x1	NOUN
esutjss-162	275	1	=	=	PUNCT
esutjss-162	276	1	digital	digital	ADJ
esutjss-162	276	2	transformation	transformation	NOUN
esutjss-162	276	3	strategy	strategy	NOUN
esutjss-162	276	4	99	99	NUM
esutjss-162	276	5	e	e	NOUN
esutjss-162	276	6	=	=	NOUN
esutjss-162	276	7	error	error	NOUN
esutjss-162	276	8	model	model	NOUN
esutjss-162	276	9	summary	summary	NOUN
esutjss-162	276	10	model	model	NOUN
esutjss-162	276	11	r	r	PROPN
esutjss-162	276	12	r	r	NOUN
esutjss-162	276	13	square	square	ADJ
esutjss-162	276	14	adjusted	adjust	VERB
esutjss-162	276	15	r	r	NOUN
esutjss-162	276	16	square	square	ADJ
esutjss-162	276	17	std	std	NOUN
esutjss-162	276	18	.	.	PUNCT
esutjss-162	277	1	error	error	NOUN
esutjss-162	277	2	of	of	ADP
esutjss-162	277	3	the	the	DET
esutjss-162	277	4	estimate	estimate	NOUN
esutjss-162	277	5	1	1	NUM
esutjss-162	277	6	.324a	.324a	PROPN
esutjss-162	277	7	.105	.105	NUM
esutjss-162	277	8	.101	.101	NUM
esutjss-162	277	9	4.10201	4.10201	NUM
esutjss-162	277	10	a.	a.	NOUN
esutjss-162	277	11	predictors	predictor	NOUN
esutjss-162	277	12	:	:	PUNCT
esutjss-162	277	13	(	(	PUNCT
esutjss-162	277	14	constant	constant	ADJ
esutjss-162	277	15	)	)	PUNCT
esutjss-162	277	16	,	,	PUNCT
esutjss-162	277	17	ee	ee	ADP
esutjss-162	277	18	a	a	DET
esutjss-162	277	19	simple	simple	ADJ
esutjss-162	277	20	linear	linear	ADJ
esutjss-162	277	21	regression	regression	NOUN
esutjss-162	277	22	was	be	AUX
esutjss-162	277	23	run	run	VERB
esutjss-162	277	24	to	to	PART
esutjss-162	277	25	predict	predict	VERB
esutjss-162	277	26	sustainability	sustainability	NOUN
esutjss-162	277	27	of	of	ADP
esutjss-162	277	28	insurance	insurance	NOUN
esutjss-162	277	29	companies	company	NOUN
esutjss-162	277	30	in	in	ADP
esutjss-162	277	31	nigeria	nigeria	PROPN
esutjss-162	277	32	(	(	PUNCT
esutjss-162	277	33	dependent	dependent	ADJ
esutjss-162	277	34	variable	variable	NOUN
esutjss-162	277	35	)	)	PUNCT
esutjss-162	277	36	from	from	ADP
esutjss-162	277	37	employee	employee	NOUN
esutjss-162	277	38	enablement	enablement	NOUN
esutjss-162	277	39	(	(	PUNCT
esutjss-162	277	40	independent	independent	ADJ
esutjss-162	277	41	variable	variable	NOUN
esutjss-162	277	42	)	)	PUNCT
esutjss-162	277	43	.	.	PUNCT
esutjss-162	278	1	the	the	DET
esutjss-162	278	2	first	first	ADJ
esutjss-162	278	3	table	table	NOUN
esutjss-162	278	4	(	(	PUNCT
esutjss-162	278	5	model	model	NOUN
esutjss-162	278	6	summary	summary	NOUN
esutjss-162	278	7	)	)	PUNCT
esutjss-162	278	8	indicates	indicate	VERB
esutjss-162	278	9	that	that	SCONJ
esutjss-162	278	10	the	the	DET
esutjss-162	278	11	independent	independent	ADJ
esutjss-162	278	12	variable	variable	NOUN
esutjss-162	278	13	yielded	yield	VERB
esutjss-162	278	14	a	a	DET
esutjss-162	278	15	coefficient	coefficient	NOUN
esutjss-162	278	16	of	of	ADP
esutjss-162	278	17	determination	determination	NOUN
esutjss-162	278	18	(	(	PUNCT
esutjss-162	278	19	r2	r2	PROPN
esutjss-162	278	20	)	)	PUNCT
esutjss-162	278	21	of	of	ADP
esutjss-162	278	22	0.105	0.105	NUM
esutjss-162	278	23	accounting	account	VERB
esutjss-162	278	24	for	for	ADP
esutjss-162	278	25	10.5	10.5	NUM
esutjss-162	278	26	%	%	NOUN
esutjss-162	278	27	of	of	ADP
esutjss-162	278	28	the	the	DET
esutjss-162	278	29	proportion	proportion	NOUN
esutjss-162	278	30	of	of	ADP
esutjss-162	278	31	variance	variance	NOUN
esutjss-162	278	32	in	in	ADP
esutjss-162	278	33	dependent	dependent	ADJ
esutjss-162	278	34	variable	variable	NOUN
esutjss-162	278	35	that	that	PRON
esutjss-162	278	36	is	be	AUX
esutjss-162	278	37	explained	explain	VERB
esutjss-162	278	38	by	by	ADP
esutjss-162	278	39	the	the	DET
esutjss-162	278	40	independent	independent	ADJ
esutjss-162	278	41	variable	variable	NOUN
esutjss-162	278	42	.	.	PUNCT
esutjss-162	279	1	anovaa	anovaa	PROPN
esutjss-162	279	2	model	model	PROPN
esutjss-162	279	3	sum	sum	PROPN
esutjss-162	279	4	of	of	ADP
esutjss-162	279	5	squares	square	NOUN
esutjss-162	279	6	df	df	PROPN
esutjss-162	279	7	mean	mean	PROPN
esutjss-162	279	8	square	square	PROPN
esutjss-162	279	9	f	f	PROPN
esutjss-162	279	10	sig	sig	PROPN
esutjss-162	279	11	.	.	PROPN
esutjss-162	279	12	1	1	NUM
esutjss-162	279	13	regression	regression	VERB
esutjss-162	279	14	483.711	483.711	NUM
esutjss-162	279	15	1	1	NUM
esutjss-162	279	16	483.711	483.711	NUM
esutjss-162	279	17	28.747	28.747	NUM
esutjss-162	280	1	.000b	.000b	PROPN
esutjss-162	281	1	residual	residual	ADJ
esutjss-162	282	1	4122.499	4122.499	NUM
esutjss-162	282	2	245	245	NUM
esutjss-162	282	3	16.827	16.827	NUM
esutjss-162	282	4	total	total	NOUN
esutjss-162	282	5	4606.211	4606.211	NUM
esutjss-162	282	6	246	246	NUM
esutjss-162	282	7	a.	a.	NOUN
esutjss-162	282	8	dependent	dependent	ADJ
esutjss-162	282	9	variable	variable	NOUN
esutjss-162	282	10	:	:	PUNCT
esutjss-162	282	11	sustainability	sustainability	PROPN
esutjss-162	282	12	b.	b.	PROPN
esutjss-162	282	13	predictors	predictor	NOUN
esutjss-162	282	14	:	:	PUNCT
esutjss-162	282	15	(	(	PUNCT
esutjss-162	282	16	constant	constant	ADJ
esutjss-162	282	17	)	)	PUNCT
esutjss-162	282	18	,	,	PUNCT
esutjss-162	282	19	ee	ee	ADP
esutjss-162	282	20	the	the	DET
esutjss-162	282	21	second	second	ADJ
esutjss-162	282	22	table	table	NOUN
esutjss-162	282	23	(	(	PUNCT
esutjss-162	282	24	anova	anova	PROPN
esutjss-162	282	25	)	)	PUNCT
esutjss-162	282	26	shows	show	VERB
esutjss-162	282	27	the	the	DET
esutjss-162	282	28	analysis	analysis	NOUN
esutjss-162	282	29	of	of	ADP
esutjss-162	282	30	variance	variance	NOUN
esutjss-162	282	31	for	for	ADP
esutjss-162	282	32	the	the	DET
esutjss-162	282	33	linear	linear	PROPN
esutjss-162	282	34	regression	regression	NOUN
esutjss-162	282	35	data	datum	NOUN
esutjss-162	282	36	produced	produce	VERB
esutjss-162	282	37	f	f	X
esutjss-162	282	38	-	-	PUNCT
esutjss-162	282	39	ratio	ratio	NOUN
esutjss-162	282	40	value	value	NOUN
esutjss-162	282	41	of	of	ADP
esutjss-162	282	42	28.747	28.747	NUM
esutjss-162	282	43	which	which	PRON
esutjss-162	282	44	is	be	AUX
esutjss-162	282	45	statistically	statistically	ADV
esutjss-162	282	46	significant	significant	ADJ
esutjss-162	282	47	because	because	SCONJ
esutjss-162	282	48	the	the	DET
esutjss-162	282	49	significance	significance	NOUN
esutjss-162	282	50	level	level	NOUN
esutjss-162	282	51	is	be	AUX
esutjss-162	282	52	=	=	NUM
esutjss-162	282	53	.000	.000	NUM
esutjss-162	282	54	which	which	PRON
esutjss-162	282	55	is	be	AUX
esutjss-162	282	56	less	less	ADJ
esutjss-162	282	57	than	than	ADP
esutjss-162	282	58	p≤	p≤	NOUN
esutjss-162	282	59	0.05	0.05	NUM
esutjss-162	282	60	.	.	PUNCT
esutjss-162	283	1	this	this	PRON
esutjss-162	283	2	implies	imply	VERB
esutjss-162	283	3	that	that	SCONJ
esutjss-162	283	4	the	the	DET
esutjss-162	283	5	regression	regression	NOUN
esutjss-162	283	6	model	model	NOUN
esutjss-162	283	7	is	be	AUX
esutjss-162	283	8	statistically	statistically	ADV
esutjss-162	283	9	significant	significant	ADJ
esutjss-162	283	10	,	,	PUNCT
esutjss-162	283	11	valid	valid	ADJ
esutjss-162	283	12	and	and	CCONJ
esutjss-162	283	13	fit	fit	ADJ
esutjss-162	283	14	.	.	PUNCT
esutjss-162	284	1	the	the	DET
esutjss-162	284	2	valid	valid	ADJ
esutjss-162	284	3	regression	regression	NOUN
esutjss-162	284	4	model	model	NOUN
esutjss-162	284	5	implies	imply	VERB
esutjss-162	284	6	that	that	SCONJ
esutjss-162	284	7	independent	independent	ADJ
esutjss-162	284	8	variable	variable	NOUN
esutjss-162	284	9	(	(	PUNCT
esutjss-162	284	10	employee	employee	NOUN
esutjss-162	284	11	enablement	enablement	NOUN
esutjss-162	284	12	)	)	PUNCT
esutjss-162	284	13	does	do	AUX
esutjss-162	284	14	have	have	VERB
esutjss-162	284	15	an	an	DET
esutjss-162	284	16	influence	influence	NOUN
esutjss-162	284	17	with	with	ADP
esutjss-162	284	18	the	the	DET
esutjss-162	284	19	dependent	dependent	ADJ
esutjss-162	284	20	variable	variable	NOUN
esutjss-162	284	21	(	(	PUNCT
esutjss-162	284	22	sustainability	sustainability	NOUN
esutjss-162	284	23	of	of	ADP
esutjss-162	284	24	insurance	insurance	NOUN
esutjss-162	284	25	companies	company	NOUN
esutjss-162	284	26	)	)	PUNCT
esutjss-162	284	27	.	.	PUNCT
esutjss-162	285	1	coefficientsa	coefficientsa	NOUN
esutjss-162	285	2	model	model	VERB
esutjss-162	285	3	unstandardized	unstandardized	ADJ
esutjss-162	285	4	coefficients	coefficient	NOUN
esutjss-162	285	5	standardized	standardize	VERB
esutjss-162	285	6	coefficients	coefficient	NOUN
esutjss-162	285	7	t	t	PROPN
esutjss-162	285	8	sig	sig	PROPN
esutjss-162	285	9	.	.	PUNCT
esutjss-162	286	1	b	b	X
esutjss-162	286	2	std	std	PROPN
esutjss-162	286	3	.	.	NOUN
esutjss-162	286	4	error	error	NOUN
esutjss-162	286	5	beta	beta	NOUN
esutjss-162	286	6	1	1	NUM
esutjss-162	286	7	(	(	PUNCT
esutjss-162	286	8	constant	constant	ADJ
esutjss-162	286	9	)	)	PUNCT
esutjss-162	286	10	13.910	13.910	NUM
esutjss-162	286	11	1.978	1.978	NUM
esutjss-162	286	12	7.033	7.033	NUM
esutjss-162	286	13	.000	.000	NUM
esutjss-162	286	14	ee	ee	PROPN
esutjss-162	286	15	.423	.423	NUM
esutjss-162	286	16	.079	.079	NUM
esutjss-162	286	17	.324	.324	NUM
esutjss-162	286	18	5.362	5.362	NUM
esutjss-162	286	19	.000	.000	NUM
esutjss-162	286	20	a.	a.	NOUN
esutjss-162	286	21	dependent	dependent	ADJ
esutjss-162	286	22	variable	variable	NOUN
esutjss-162	286	23	:	:	PUNCT
esutjss-162	286	24	sustainability	sustainability	NOUN
esutjss-162	286	25	100	100	NUM
esutjss-162	286	26	the	the	DET
esutjss-162	286	27	third	third	ADJ
esutjss-162	286	28	table	table	NOUN
esutjss-162	286	29	(	(	PUNCT
esutjss-162	286	30	coefficient	coefficient	NOUN
esutjss-162	286	31	)	)	PUNCT
esutjss-162	286	32	indicates	indicate	VERB
esutjss-162	286	33	that	that	SCONJ
esutjss-162	286	34	the	the	DET
esutjss-162	286	35	independent	independent	ADJ
esutjss-162	286	36	variable	variable	NOUN
esutjss-162	286	37	(	(	PUNCT
esutjss-162	286	38	i.e.	i.e.	X
esutjss-162	286	39	employee	employee	NOUN
esutjss-162	286	40	enablement	enablement	NOUN
esutjss-162	286	41	)	)	PUNCT
esutjss-162	286	42	contribute	contribute	VERB
esutjss-162	286	43	positively	positively	ADV
esutjss-162	286	44	and	and	CCONJ
esutjss-162	286	45	statistically	statistically	ADV
esutjss-162	286	46	to	to	ADP
esutjss-162	286	47	sustainability	sustainability	NOUN
esutjss-162	286	48	of	of	ADP
esutjss-162	286	49	insurance	insurance	NOUN
esutjss-162	286	50	companies	company	NOUN
esutjss-162	286	51	at	at	ADP
esutjss-162	286	52	p≤0.05	p≤0.05	NOUN
esutjss-162	286	53	.	.	PUNCT
esutjss-162	286	54	conclusion	conclusion	NOUN
esutjss-162	286	55	and	and	CCONJ
esutjss-162	286	56	recommendations	recommendation	NOUN
esutjss-162	286	57	cloud	cloud	VERB
esutjss-162	286	58	based	base	VERB
esutjss-162	286	59	collaborative	collaborative	ADJ
esutjss-162	286	60	suites	suite	NOUN
esutjss-162	286	61	the	the	DET
esutjss-162	286	62	anova	anova	PROPN
esutjss-162	286	63	shows	show	VERB
esutjss-162	286	64	the	the	DET
esutjss-162	286	65	analysis	analysis	NOUN
esutjss-162	286	66	of	of	ADP
esutjss-162	286	67	variance	variance	NOUN
esutjss-162	286	68	for	for	ADP
esutjss-162	286	69	the	the	DET
esutjss-162	286	70	linear	linear	PROPN
esutjss-162	286	71	regression	regression	NOUN
esutjss-162	286	72	data	datum	NOUN
esutjss-162	286	73	produced	produce	VERB
esutjss-162	286	74	f	f	X
esutjss-162	286	75	-	-	PUNCT
esutjss-162	286	76	ratio	ratio	NOUN
esutjss-162	286	77	value	value	NOUN
esutjss-162	286	78	of	of	ADP
esutjss-162	286	79	28.747	28.747	NUM
esutjss-162	286	80	which	which	PRON
esutjss-162	286	81	is	be	AUX
esutjss-162	286	82	statistically	statistically	ADV
esutjss-162	286	83	significant	significant	ADJ
esutjss-162	286	84	because	because	SCONJ
esutjss-162	286	85	the	the	DET
esutjss-162	286	86	significance	significance	NOUN
esutjss-162	286	87	level	level	NOUN
esutjss-162	286	88	is	be	AUX
esutjss-162	286	89	=	=	NUM
esutjss-162	286	90	.000	.000	NUM
esutjss-162	286	91	which	which	PRON
esutjss-162	286	92	is	be	AUX
esutjss-162	286	93	less	less	ADJ
esutjss-162	286	94	than	than	ADP
esutjss-162	286	95	p≤	p≤	NOUN
esutjss-162	286	96	0.05	0.05	NUM
esutjss-162	286	97	.	.	PUNCT
esutjss-162	287	1	this	this	PRON
esutjss-162	287	2	implies	imply	VERB
esutjss-162	287	3	that	that	SCONJ
esutjss-162	287	4	the	the	DET
esutjss-162	287	5	regression	regression	NOUN
esutjss-162	287	6	model	model	NOUN
esutjss-162	287	7	is	be	AUX
esutjss-162	287	8	statistically	statistically	ADV
esutjss-162	287	9	significant	significant	ADJ
esutjss-162	287	10	,	,	PUNCT
esutjss-162	287	11	valid	valid	ADJ
esutjss-162	287	12	and	and	CCONJ
esutjss-162	287	13	fit	fit	ADJ
esutjss-162	287	14	.	.	PUNCT
esutjss-162	288	1	the	the	DET
esutjss-162	288	2	valid	valid	ADJ
esutjss-162	288	3	regression	regression	NOUN
esutjss-162	288	4	model	model	NOUN
esutjss-162	288	5	implies	imply	VERB
esutjss-162	288	6	that	that	SCONJ
esutjss-162	288	7	cloud	cloud	NOUN
esutjss-162	288	8	based	base	VERB
esutjss-162	288	9	collaborative	collaborative	ADJ
esutjss-162	288	10	suites	suite	NOUN
esutjss-162	288	11	does	do	AUX
esutjss-162	288	12	have	have	VERB
esutjss-162	288	13	an	an	DET
esutjss-162	288	14	influence	influence	NOUN
esutjss-162	288	15	with	with	ADP
esutjss-162	288	16	the	the	DET
esutjss-162	288	17	sustainability	sustainability	NOUN
esutjss-162	288	18	of	of	ADP
esutjss-162	288	19	insurance	insurance	NOUN
esutjss-162	288	20	companies	company	NOUN
esutjss-162	288	21	.	.	PUNCT
esutjss-162	289	1	businesses	business	NOUN
esutjss-162	289	2	have	have	AUX
esutjss-162	289	3	been	be	AUX
esutjss-162	289	4	forced	force	VERB
esutjss-162	289	5	to	to	PART
esutjss-162	289	6	acknowledge	acknowledge	VERB
esutjss-162	289	7	that	that	SCONJ
esutjss-162	289	8	introducing	introduce	VERB
esutjss-162	289	9	technology	technology	NOUN
esutjss-162	289	10	into	into	ADP
esutjss-162	289	11	their	their	PRON
esutjss-162	289	12	working	working	NOUN
esutjss-162	289	13	systems	system	NOUN
esutjss-162	289	14	does	do	AUX
esutjss-162	289	15	not	not	PART
esutjss-162	289	16	require	require	VERB
esutjss-162	289	17	perfection	perfection	NOUN
esutjss-162	289	18	.	.	PUNCT
esutjss-162	290	1	organizations	organization	NOUN
esutjss-162	290	2	across	across	ADP
esutjss-162	290	3	different	different	ADJ
esutjss-162	290	4	industries	industry	NOUN
esutjss-162	290	5	have	have	AUX
esutjss-162	290	6	been	be	AUX
esutjss-162	290	7	able	able	ADJ
esutjss-162	290	8	to	to	PART
esutjss-162	290	9	adapt	adapt	VERB
esutjss-162	290	10	to	to	ADP
esutjss-162	290	11	these	these	DET
esutjss-162	290	12	changes	change	NOUN
esutjss-162	290	13	significantly	significantly	ADV
esutjss-162	290	14	faster	fast	ADV
esutjss-162	290	15	than	than	SCONJ
esutjss-162	290	16	expected	expect	VERB
esutjss-162	290	17	.	.	PUNCT
esutjss-162	291	1	according	accord	VERB
esutjss-162	291	2	to	to	ADP
esutjss-162	291	3	the	the	DET
esutjss-162	291	4	respondents	respondent	NOUN
esutjss-162	291	5	,	,	PUNCT
esutjss-162	291	6	the	the	DET
esutjss-162	291	7	study	study	NOUN
esutjss-162	291	8	indicated	indicate	VERB
esutjss-162	291	9	that	that	SCONJ
esutjss-162	291	10	their	their	PRON
esutjss-162	291	11	companies	company	NOUN
esutjss-162	291	12	were	be	AUX
esutjss-162	291	13	able	able	ADJ
esutjss-162	291	14	to	to	PART
esutjss-162	291	15	adopt	adopt	VERB
esutjss-162	291	16	cloud	cloud	NOUN
esutjss-162	291	17	based	base	VERB
esutjss-162	291	18	collaborative	collaborative	ADJ
esutjss-162	291	19	suites	suite	NOUN
esutjss-162	291	20	.	.	PUNCT
esutjss-162	292	1	specifically	specifically	ADV
esutjss-162	292	2	,	,	PUNCT
esutjss-162	292	3	it	it	PRON
esutjss-162	292	4	aided	aid	VERB
esutjss-162	292	5	in	in	ADP
esutjss-162	292	6	the	the	DET
esutjss-162	292	7	area	area	NOUN
esutjss-162	292	8	of	of	ADP
esutjss-162	292	9	remote	remote	ADJ
esutjss-162	292	10	working	working	NOUN
esutjss-162	292	11	,	,	PUNCT
esutjss-162	292	12	the	the	DET
esutjss-162	292	13	respondents	respondent	NOUN
esutjss-162	292	14	thought	think	VERB
esutjss-162	292	15	that	that	SCONJ
esutjss-162	292	16	their	their	PRON
esutjss-162	292	17	businesses	business	NOUN
esutjss-162	292	18	were	be	AUX
esutjss-162	292	19	able	able	ADJ
esutjss-162	292	20	to	to	PART
esutjss-162	292	21	implement	implement	VERB
esutjss-162	292	22	solutions	solution	NOUN
esutjss-162	292	23	faster	fast	ADV
esutjss-162	292	24	than	than	SCONJ
esutjss-162	292	25	they	they	PRON
esutjss-162	292	26	would	would	AUX
esutjss-162	292	27	have	have	AUX
esutjss-162	292	28	expected	expect	VERB
esutjss-162	292	29	in	in	ADP
esutjss-162	292	30	the	the	DET
esutjss-162	292	31	pre	pre	ADJ
esutjss-162	292	32	-	-	ADJ
esutjss-162	292	33	pandemic	pandemic	ADJ
esutjss-162	292	34	conditions	condition	NOUN
esutjss-162	292	35	due	due	ADP
esutjss-162	292	36	to	to	ADP
esutjss-162	292	37	collaborative	collaborative	ADJ
esutjss-162	292	38	suites	suite	NOUN
esutjss-162	292	39	.	.	PUNCT
esutjss-162	293	1	naturally	naturally	ADV
esutjss-162	293	2	,	,	PUNCT
esutjss-162	293	3	what	what	PRON
esutjss-162	293	4	employees	employee	NOUN
esutjss-162	293	5	would	would	AUX
esutjss-162	293	6	have	have	AUX
esutjss-162	293	7	expected	expect	VERB
esutjss-162	293	8	to	to	PART
esutjss-162	293	9	take	take	VERB
esutjss-162	293	10	a	a	DET
esutjss-162	293	11	year	year	NOUN
esutjss-162	293	12	to	to	PART
esutjss-162	293	13	implement	implement	VERB
esutjss-162	293	14	at	at	ADP
esutjss-162	293	15	their	their	PRON
esutjss-162	293	16	organizations	organization	NOUN
esutjss-162	293	17	took	take	VERB
esutjss-162	293	18	an	an	DET
esutjss-162	293	19	average	average	NOUN
esutjss-162	293	20	of	of	ADP
esutjss-162	293	21	few	few	ADJ
esutjss-162	293	22	days	day	NOUN
esutjss-162	293	23	employee	employee	NOUN
esutjss-162	293	24	enablement	enablement	NOUN
esutjss-162	293	25	the	the	DET
esutjss-162	293	26	anova	anova	PROPN
esutjss-162	293	27	shows	show	VERB
esutjss-162	293	28	the	the	DET
esutjss-162	293	29	analysis	analysis	NOUN
esutjss-162	293	30	of	of	ADP
esutjss-162	293	31	variance	variance	NOUN
esutjss-162	293	32	for	for	ADP
esutjss-162	293	33	the	the	DET
esutjss-162	293	34	linear	linear	PROPN
esutjss-162	293	35	regression	regression	NOUN
esutjss-162	293	36	data	datum	NOUN
esutjss-162	293	37	produced	produce	VERB
esutjss-162	293	38	f	f	X
esutjss-162	293	39	-	-	PUNCT
esutjss-162	293	40	ratio	ratio	NOUN
esutjss-162	293	41	value	value	NOUN
esutjss-162	293	42	of	of	ADP
esutjss-162	293	43	28.747	28.747	NUM
esutjss-162	293	44	which	which	PRON
esutjss-162	293	45	is	be	AUX
esutjss-162	293	46	statistically	statistically	ADV
esutjss-162	293	47	significant	significant	ADJ
esutjss-162	293	48	because	because	SCONJ
esutjss-162	293	49	the	the	DET
esutjss-162	293	50	significance	significance	NOUN
esutjss-162	293	51	level	level	NOUN
esutjss-162	293	52	is	be	AUX
esutjss-162	293	53	=	=	NUM
esutjss-162	293	54	.000	.000	NUM
esutjss-162	293	55	which	which	PRON
esutjss-162	293	56	is	be	AUX
esutjss-162	293	57	less	less	ADJ
esutjss-162	293	58	than	than	ADP
esutjss-162	293	59	p≤	p≤	NOUN
esutjss-162	293	60	0.05	0.05	NUM
esutjss-162	293	61	.	.	PUNCT
esutjss-162	294	1	this	this	PRON
esutjss-162	294	2	implies	imply	VERB
esutjss-162	294	3	that	that	SCONJ
esutjss-162	294	4	the	the	DET
esutjss-162	294	5	regression	regression	NOUN
esutjss-162	294	6	model	model	NOUN
esutjss-162	294	7	is	be	AUX
esutjss-162	294	8	statistically	statistically	ADV
esutjss-162	294	9	significant	significant	ADJ
esutjss-162	294	10	,	,	PUNCT
esutjss-162	294	11	valid	valid	ADJ
esutjss-162	294	12	and	and	CCONJ
esutjss-162	294	13	fit	fit	ADJ
esutjss-162	294	14	.	.	PUNCT
esutjss-162	295	1	the	the	DET
esutjss-162	295	2	valid	valid	ADJ
esutjss-162	295	3	regression	regression	NOUN
esutjss-162	295	4	model	model	NOUN
esutjss-162	295	5	implies	imply	VERB
esutjss-162	295	6	that	that	SCONJ
esutjss-162	295	7	employee	employee	NOUN
esutjss-162	295	8	enablement	enablement	NOUN
esutjss-162	295	9	does	do	AUX
esutjss-162	295	10	have	have	VERB
esutjss-162	295	11	an	an	DET
esutjss-162	295	12	influence	influence	NOUN
esutjss-162	295	13	with	with	ADP
esutjss-162	295	14	the	the	DET
esutjss-162	295	15	sustainability	sustainability	NOUN
esutjss-162	295	16	of	of	ADP
esutjss-162	295	17	insurance	insurance	NOUN
esutjss-162	295	18	companies	company	NOUN
esutjss-162	295	19	.	.	PUNCT
esutjss-162	296	1	during	during	ADP
esutjss-162	296	2	the	the	DET
esutjss-162	296	3	pandemic	pandemic	ADJ
esutjss-162	296	4	,	,	PUNCT
esutjss-162	296	5	organizations	organization	NOUN
esutjss-162	296	6	were	be	AUX
esutjss-162	296	7	able	able	ADJ
esutjss-162	296	8	to	to	PART
esutjss-162	296	9	create	create	VERB
esutjss-162	296	10	a	a	DET
esutjss-162	296	11	workable	workable	ADJ
esutjss-162	296	12	solution	solution	NOUN
esutjss-162	296	13	to	to	PART
esutjss-162	296	14	allow	allow	VERB
esutjss-162	296	15	employees	employee	NOUN
esutjss-162	296	16	to	to	PART
esutjss-162	296	17	continue	continue	VERB
esutjss-162	296	18	their	their	PRON
esutjss-162	296	19	jobs	job	NOUN
esutjss-162	296	20	at	at	ADP
esutjss-162	296	21	home	home	NOUN
esutjss-162	296	22	.	.	PUNCT
esutjss-162	297	1	this	this	PRON
esutjss-162	297	2	has	have	AUX
esutjss-162	297	3	likely	likely	ADV
esutjss-162	297	4	largely	largely	ADV
esutjss-162	297	5	been	be	AUX
esutjss-162	297	6	driven	drive	VERB
esutjss-162	297	7	by	by	ADP
esutjss-162	297	8	businesses	business	NOUN
esutjss-162	297	9	realizing	realize	VERB
esutjss-162	297	10	that	that	SCONJ
esutjss-162	297	11	operations	operation	NOUN
esutjss-162	297	12	did	do	AUX
esutjss-162	297	13	not	not	PART
esutjss-162	297	14	have	have	VERB
esutjss-162	297	15	to	to	PART
esutjss-162	297	16	work	work	VERB
esutjss-162	297	17	perfectly	perfectly	ADV
esutjss-162	297	18	before	before	ADP
esutjss-162	297	19	being	be	AUX
esutjss-162	297	20	adopted	adopt	VERB
esutjss-162	297	21	.	.	PUNCT
esutjss-162	298	1	simply	simply	ADV
esutjss-162	298	2	having	have	VERB
esutjss-162	298	3	a	a	DET
esutjss-162	298	4	solution	solution	NOUN
esutjss-162	298	5	that	that	PRON
esutjss-162	298	6	functioned	function	VERB
esutjss-162	298	7	adequately	adequately	ADV
esutjss-162	298	8	allowed	allow	VERB
esutjss-162	298	9	businesses	business	NOUN
esutjss-162	298	10	to	to	PART
esutjss-162	298	11	keep	keep	VERB
esutjss-162	298	12	running	run	VERB
esutjss-162	298	13	while	while	SCONJ
esutjss-162	298	14	obeying	obey	VERB
esutjss-162	298	15	local	local	ADJ
esutjss-162	298	16	ordinances	ordinance	NOUN
esutjss-162	298	17	that	that	PRON
esutjss-162	298	18	kept	keep	VERB
esutjss-162	298	19	people	people	NOUN
esutjss-162	298	20	home	home	ADV
esutjss-162	298	21	.	.	PUNCT
esutjss-162	299	1	businesses	business	NOUN
esutjss-162	299	2	were	be	AUX
esutjss-162	299	3	forced	force	VERB
esutjss-162	299	4	to	to	PART
esutjss-162	299	5	prioritize	prioritize	VERB
esutjss-162	299	6	the	the	DET
esutjss-162	299	7	adoption	adoption	NOUN
esutjss-162	299	8	of	of	ADP
esutjss-162	299	9	this	this	DET
esutjss-162	299	10	technology	technology	NOUN
esutjss-162	299	11	.	.	PUNCT
esutjss-162	300	1	prior	prior	ADV
esutjss-162	300	2	to	to	ADP
esutjss-162	300	3	the	the	DET
esutjss-162	300	4	pandemic	pandemic	ADJ
esutjss-162	300	5	,	,	PUNCT
esutjss-162	300	6	over	over	ADP
esutjss-162	300	7	half	half	NOUN
esutjss-162	300	8	of	of	ADP
esutjss-162	300	9	businesses	business	NOUN
esutjss-162	300	10	thought	think	VERB
esutjss-162	300	11	that	that	SCONJ
esutjss-162	300	12	a	a	DET
esutjss-162	300	13	lack	lack	NOUN
esutjss-162	300	14	of	of	ADP
esutjss-162	300	15	prioritization	prioritization	NOUN
esutjss-162	300	16	was	be	AUX
esutjss-162	300	17	a	a	DET
esutjss-162	300	18	leading	lead	VERB
esutjss-162	300	19	reason	reason	NOUN
esutjss-162	300	20	why	why	SCONJ
esutjss-162	300	21	digital	digital	ADJ
esutjss-162	300	22	transformations	transformation	NOUN
esutjss-162	300	23	and	and	CCONJ
esutjss-162	300	24	capabilities	capability	NOUN
esutjss-162	300	25	were	be	AUX
esutjss-162	300	26	not	not	PART
esutjss-162	300	27	adopted	adopt	VERB
esutjss-162	300	28	.	.	PUNCT
esutjss-162	301	1	when	when	SCONJ
esutjss-162	301	2	covid-19	covid-19	PROPN
esutjss-162	301	3	forced	force	VERB
esutjss-162	301	4	organizations	organization	NOUN
esutjss-162	301	5	to	to	PART
esutjss-162	301	6	make	make	VERB
esutjss-162	301	7	these	these	DET
esutjss-162	301	8	changes	change	NOUN
esutjss-162	301	9	a	a	DET
esutjss-162	301	10	top	top	ADJ
esutjss-162	301	11	priority	priority	NOUN
esutjss-162	301	12	,	,	PUNCT
esutjss-162	301	13	they	they	PRON
esutjss-162	301	14	were	be	AUX
esutjss-162	301	15	able	able	ADJ
esutjss-162	301	16	to	to	PART
esutjss-162	301	17	do	do	VERB
esutjss-162	301	18	so	so	ADV
esutjss-162	301	19	at	at	ADP
esutjss-162	301	20	lightning	lightning	NOUN
esutjss-162	301	21	speed	speed	NOUN
esutjss-162	301	22	.	.	PUNCT
esutjss-162	302	1	with	with	ADP
esutjss-162	302	2	employees	employee	NOUN
esutjss-162	302	3	working	work	VERB
esutjss-162	302	4	nearly	nearly	ADV
esutjss-162	302	5	entirely	entirely	ADV
esutjss-162	302	6	at	at	ADP
esutjss-162	302	7	home	home	NOUN
esutjss-162	302	8	for	for	ADP
esutjss-162	302	9	the	the	DET
esutjss-162	302	10	duration	duration	NOUN
esutjss-162	302	11	of	of	ADP
esutjss-162	302	12	their	their	PRON
esutjss-162	302	13	local	local	ADJ
esutjss-162	302	14	shut	shut	NOUN
esutjss-162	302	15	down	down	ADP
esutjss-162	302	16	,	,	PUNCT
esutjss-162	302	17	companies	company	NOUN
esutjss-162	302	18	were	be	AUX
esutjss-162	302	19	forced	force	VERB
esutjss-162	302	20	to	to	PART
esutjss-162	302	21	think	think	VERB
esutjss-162	302	22	carefully	carefully	ADV
esutjss-162	302	23	about	about	ADP
esutjss-162	302	24	the	the	DET
esutjss-162	302	25	employee	employee	NOUN
esutjss-162	302	26	experience	experience	NOUN
esutjss-162	302	27	using	use	VERB
esutjss-162	302	28	the	the	DET
esutjss-162	302	29	digital	digital	ADJ
esutjss-162	302	30	capabilities	capability	NOUN
esutjss-162	302	31	.	.	PUNCT
esutjss-162	303	1	they	they	PRON
esutjss-162	303	2	could	could	AUX
esutjss-162	303	3	not	not	PART
esutjss-162	303	4	expect	expect	VERB
esutjss-162	303	5	employees	employee	NOUN
esutjss-162	303	6	to	to	PART
esutjss-162	303	7	simply	simply	ADV
esutjss-162	303	8	make	make	VERB
esutjss-162	303	9	-	-	PUNCT
esutjss-162	303	10	do	do	VERB
esutjss-162	303	11	with	with	ADP
esutjss-162	303	12	what	what	PRON
esutjss-162	303	13	was	be	AUX
esutjss-162	303	14	available	available	ADJ
esutjss-162	303	15	.	.	PUNCT
esutjss-162	304	1	previously	previously	ADV
esutjss-162	304	2	,	,	PUNCT
esutjss-162	304	3	employees	employee	NOUN
esutjss-162	304	4	might	might	AUX
esutjss-162	304	5	have	have	AUX
esutjss-162	304	6	had	have	VERB
esutjss-162	304	7	a	a	DET
esutjss-162	304	8	grateful	grateful	ADJ
esutjss-162	304	9	attitude	attitude	NOUN
esutjss-162	304	10	for	for	ADP
esutjss-162	304	11	any	any	DET
esutjss-162	304	12	benefits	benefit	NOUN
esutjss-162	304	13	that	that	PRON
esutjss-162	304	14	offered	offer	VERB
esutjss-162	304	15	increased	increase	VERB
esutjss-162	304	16	workplace	workplace	NOUN
esutjss-162	304	17	flexibility	flexibility	NOUN
esutjss-162	304	18	resulting	result	VERB
esutjss-162	304	19	from	from	ADP
esutjss-162	304	20	digital	digital	ADJ
esutjss-162	304	21	capabilities	capability	NOUN
esutjss-162	304	22	.	.	PUNCT
esutjss-162	305	1	now	now	ADV
esutjss-162	305	2	,	,	PUNCT
esutjss-162	305	3	however	however	ADV
esutjss-162	305	4	,	,	PUNCT
esutjss-162	305	5	with	with	ADP
esutjss-162	305	6	companies	company	NOUN
esutjss-162	305	7	across	across	ADP
esutjss-162	305	8	industries	industry	NOUN
esutjss-162	305	9	adapting	adapt	VERB
esutjss-162	305	10	to	to	ADP
esutjss-162	305	11	virtual	virtual	ADJ
esutjss-162	305	12	work	work	NOUN
esutjss-162	305	13	,	,	PUNCT
esutjss-162	305	14	the	the	DET
esutjss-162	305	15	experience	experience	NOUN
esutjss-162	305	16	of	of	ADP
esutjss-162	305	17	employees	employee	NOUN
esutjss-162	305	18	online	online	VERB
esutjss-162	305	19	101	101	NUM
esutjss-162	305	20	directly	directly	ADV
esutjss-162	305	21	impacts	impact	VERB
esutjss-162	305	22	their	their	PRON
esutjss-162	305	23	satisfaction	satisfaction	NOUN
esutjss-162	305	24	with	with	ADP
esutjss-162	305	25	their	their	PRON
esutjss-162	305	26	work	work	NOUN
esutjss-162	305	27	environment	environment	NOUN
esutjss-162	305	28	.	.	PUNCT
esutjss-162	306	1	with	with	ADP
esutjss-162	306	2	many	many	ADJ
esutjss-162	306	3	businesses	business	NOUN
esutjss-162	306	4	struggling	struggle	VERB
esutjss-162	306	5	to	to	PART
esutjss-162	306	6	navigate	navigate	VERB
esutjss-162	306	7	the	the	DET
esutjss-162	306	8	challenging	challenging	ADJ
esutjss-162	306	9	environment	environment	NOUN
esutjss-162	306	10	that	that	PRON
esutjss-162	306	11	the	the	DET
esutjss-162	306	12	pandemic	pandemic	NOUN
esutjss-162	306	13	has	have	AUX
esutjss-162	306	14	created	create	VERB
esutjss-162	306	15	,	,	PUNCT
esutjss-162	306	16	no	no	DET
esutjss-162	306	17	one	one	NOUN
esutjss-162	306	18	wants	want	VERB
esutjss-162	306	19	to	to	PART
esutjss-162	306	20	deal	deal	VERB
esutjss-162	306	21	with	with	ADP
esutjss-162	306	22	high	high	ADJ
esutjss-162	306	23	turnover	turnover	NOUN
esutjss-162	306	24	that	that	PRON
esutjss-162	306	25	can	can	AUX
esutjss-162	306	26	come	come	VERB
esutjss-162	306	27	from	from	ADP
esutjss-162	306	28	low	low	ADJ
esutjss-162	306	29	employee	employee	NOUN
esutjss-162	306	30	satisfaction	satisfaction	NOUN
esutjss-162	306	31	and	and	CCONJ
esutjss-162	306	32	the	the	DET
esutjss-162	306	33	costs	cost	NOUN
esutjss-162	306	34	that	that	PRON
esutjss-162	306	35	come	come	VERB
esutjss-162	306	36	with	with	ADP
esutjss-162	306	37	hiring	hire	VERB
esutjss-162	306	38	regular	regular	ADJ
esutjss-162	306	39	new	new	ADJ
esutjss-162	306	40	employees	employee	NOUN
esutjss-162	306	41	.	.	PUNCT
esutjss-162	307	1	instead	instead	ADV
esutjss-162	307	2	,	,	PUNCT
esutjss-162	307	3	paying	pay	VERB
esutjss-162	307	4	attention	attention	NOUN
esutjss-162	307	5	to	to	ADP
esutjss-162	307	6	the	the	DET
esutjss-162	307	7	importance	importance	NOUN
esutjss-162	307	8	of	of	ADP
esutjss-162	307	9	creating	create	VERB
esutjss-162	307	10	a	a	DET
esutjss-162	307	11	positive	positive	ADJ
esutjss-162	307	12	digital	digital	ADJ
esutjss-162	307	13	experience	experience	NOUN
esutjss-162	307	14	for	for	ADP
esutjss-162	307	15	employees	employee	NOUN
esutjss-162	307	16	has	have	VERB
esutjss-162	307	17	an	an	DET
esutjss-162	307	18	immense	immense	ADJ
esutjss-162	307	19	benefit	benefit	NOUN
esutjss-162	307	20	for	for	ADP
esutjss-162	307	21	businesses	business	NOUN
esutjss-162	307	22	.	.	PUNCT
esutjss-162	308	1	recommendations	recommendation	NOUN
esutjss-162	308	2	based	base	VERB
esutjss-162	308	3	on	on	ADP
esutjss-162	308	4	the	the	DET
esutjss-162	308	5	findings	finding	NOUN
esutjss-162	308	6	of	of	ADP
esutjss-162	308	7	the	the	DET
esutjss-162	308	8	study	study	NOUN
esutjss-162	308	9	and	and	CCONJ
esutjss-162	308	10	the	the	DET
esutjss-162	308	11	conclusions	conclusion	NOUN
esutjss-162	308	12	made	make	VERB
esutjss-162	308	13	,	,	PUNCT
esutjss-162	308	14	the	the	DET
esutjss-162	308	15	following	follow	VERB
esutjss-162	308	16	recommendations	recommendation	NOUN
esutjss-162	308	17	are	be	AUX
esutjss-162	308	18	made	make	VERB
esutjss-162	308	19	:	:	PUNCT
esutjss-162	308	20	1	1	X
esutjss-162	308	21	.	.	PUNCT
esutjss-162	308	22	based	base	VERB
esutjss-162	308	23	on	on	ADP
esutjss-162	308	24	the	the	DET
esutjss-162	308	25	findings	finding	NOUN
esutjss-162	308	26	of	of	ADP
esutjss-162	308	27	the	the	DET
esutjss-162	308	28	study	study	NOUN
esutjss-162	308	29	,	,	PUNCT
esutjss-162	308	30	it	it	PRON
esutjss-162	308	31	is	be	AUX
esutjss-162	308	32	recommended	recommend	VERB
esutjss-162	308	33	that	that	SCONJ
esutjss-162	308	34	the	the	DET
esutjss-162	308	35	government	government	NOUN
esutjss-162	308	36	should	should	AUX
esutjss-162	308	37	draw	draw	VERB
esutjss-162	308	38	-	-	PUNCT
esutjss-162	308	39	up	up	ADP
esutjss-162	308	40	framework	framework	NOUN
esutjss-162	308	41	to	to	PART
esutjss-162	308	42	aid	aid	VERB
esutjss-162	308	43	the	the	DET
esutjss-162	308	44	digitalization	digitalization	NOUN
esutjss-162	308	45	of	of	ADP
esutjss-162	308	46	insurance	insurance	NOUN
esutjss-162	308	47	business	business	NOUN
esutjss-162	308	48	,	,	PUNCT
esutjss-162	308	49	since	since	SCONJ
esutjss-162	308	50	the	the	DET
esutjss-162	308	51	business	business	NOUN
esutjss-162	308	52	play	play	VERB
esutjss-162	308	53	an	an	DET
esutjss-162	308	54	important	important	ADJ
esutjss-162	308	55	role	role	NOUN
esutjss-162	308	56	in	in	ADP
esutjss-162	308	57	the	the	DET
esutjss-162	308	58	economy	economy	NOUN
esutjss-162	308	59	and	and	CCONJ
esutjss-162	308	60	deals	deal	NOUN
esutjss-162	308	61	with	with	ADP
esutjss-162	308	62	the	the	DET
esutjss-162	308	63	insuring	insure	VERB
esutjss-162	308	64	publics	public	NOUN
esutjss-162	308	65	properties	property	NOUN
esutjss-162	308	66	and	and	CCONJ
esutjss-162	308	67	funds	fund	NOUN
esutjss-162	308	68	so	so	SCONJ
esutjss-162	308	69	as	as	SCONJ
esutjss-162	308	70	to	to	PART
esutjss-162	308	71	avoid	avoid	VERB
esutjss-162	308	72	the	the	DET
esutjss-162	308	73	negative	negative	ADJ
esutjss-162	308	74	impact	impact	NOUN
esutjss-162	308	75	of	of	ADP
esutjss-162	308	76	digitalization	digitalization	NOUN
esutjss-162	308	77	such	such	ADJ
esutjss-162	308	78	as	as	ADP
esutjss-162	308	79	hacking	hack	VERB
esutjss-162	308	80	among	among	ADP
esutjss-162	308	81	others	other	NOUN
esutjss-162	308	82	.	.	PUNCT
esutjss-162	309	1	2	2	X
esutjss-162	309	2	.	.	X
esutjss-162	309	3	insurance	insurance	NOUN
esutjss-162	309	4	organizations	organization	NOUN
esutjss-162	309	5	should	should	AUX
esutjss-162	309	6	endeavour	endeavour	VERB
esutjss-162	309	7	to	to	PART
esutjss-162	309	8	provide	provide	VERB
esutjss-162	309	9	adequate	adequate	ADJ
esutjss-162	309	10	training	training	NOUN
esutjss-162	309	11	to	to	ADP
esutjss-162	309	12	their	their	PRON
esutjss-162	309	13	employees	employee	NOUN
esutjss-162	309	14	to	to	PART
esutjss-162	309	15	adapt	adapt	VERB
esutjss-162	309	16	to	to	ADP
esutjss-162	309	17	the	the	DET
esutjss-162	309	18	use	use	NOUN
esutjss-162	309	19	of	of	ADP
esutjss-162	309	20	the	the	DET
esutjss-162	309	21	new	new	ADJ
esutjss-162	309	22	generation	generation	NOUN
esutjss-162	309	23	technology	technology	NOUN
esutjss-162	309	24	in	in	ADP
esutjss-162	309	25	use	use	NOUN
esutjss-162	309	26	to	to	PART
esutjss-162	309	27	avoid	avoid	VERB
esutjss-162	309	28	costly	costly	ADJ
esutjss-162	309	29	mistake	mistake	NOUN
esutjss-162	309	30	.	.	PUNCT
esutjss-162	310	1	3	3	X
esutjss-162	310	2	.	.	X
esutjss-162	310	3	insurance	insurance	NOUN
esutjss-162	310	4	companies	company	NOUN
esutjss-162	310	5	should	should	AUX
esutjss-162	310	6	endeavour	endeavour	VERB
esutjss-162	310	7	to	to	PART
esutjss-162	310	8	create	create	VERB
esutjss-162	310	9	a	a	DET
esutjss-162	310	10	solid	solid	ADJ
esutjss-162	310	11	digital	digital	ADJ
esutjss-162	310	12	team	team	NOUN
esutjss-162	310	13	that	that	PRON
esutjss-162	310	14	will	will	AUX
esutjss-162	310	15	be	be	AUX
esutjss-162	310	16	responsible	responsible	ADJ
esutjss-162	310	17	for	for	ADP
esutjss-162	310	18	setting	set	VERB
esutjss-162	310	19	and	and	CCONJ
esutjss-162	310	20	managing	manage	VERB
esutjss-162	310	21	digital	digital	ADJ
esutjss-162	310	22	technologies	technology	NOUN
esutjss-162	310	23	and	and	CCONJ
esutjss-162	310	24	providing	provide	VERB
esutjss-162	310	25	oversight	oversight	NOUN
esutjss-162	310	26	to	to	PART
esutjss-162	310	27	support	support	VERB
esutjss-162	310	28	quality	quality	NOUN
esutjss-162	310	29	assurance	assurance	NOUN
esutjss-162	310	30	and	and	CCONJ
esutjss-162	310	31	critical	critical	ADJ
esutjss-162	310	32	digital	digital	ADJ
esutjss-162	310	33	decision	decision	NOUN
esutjss-162	310	34	making	making	NOUN
esutjss-162	310	35	.	.	PUNCT
esutjss-162	311	1	4	4	X
esutjss-162	311	2	.	.	X
esutjss-162	311	3	endeavour	endeavour	VERB
esutjss-162	311	4	to	to	PART
esutjss-162	311	5	align	align	VERB
esutjss-162	311	6	the	the	DET
esutjss-162	311	7	leadership	leadership	NOUN
esutjss-162	311	8	and	and	CCONJ
esutjss-162	311	9	executive	executive	ADJ
esutjss-162	311	10	teams	team	NOUN
esutjss-162	311	11	’	'	PUNCT
esutjss-162	311	12	in	in	ADP
esutjss-162	311	13	charge	charge	NOUN
esutjss-162	311	14	of	of	ADP
esutjss-162	311	15	digitalization	digitalization	NOUN
esutjss-162	311	16	with	with	ADP
esutjss-162	311	17	organizational	organizational	ADJ
esutjss-162	311	18	objectives	objective	NOUN
esutjss-162	311	19	to	to	PART
esutjss-162	311	20	avoid	avoid	VERB
esutjss-162	311	21	misfire	misfire	NOUN
esutjss-162	311	22	of	of	ADP
esutjss-162	311	23	corporate	corporate	ADJ
esutjss-162	311	24	objectives	objective	NOUN
esutjss-162	311	25	.	.	PUNCT
esutjss-162	312	1	102	102	NUM
esutjss-162	312	2	references	reference	NOUN
esutjss-162	312	3	asian	asian	PROPN
esutjss-162	312	4	development	development	PROPN
esutjss-162	312	5	bank	bank	PROPN
esutjss-162	312	6	institute	institute	PROPN
esutjss-162	312	7	(	(	PUNCT
esutjss-162	312	8	2021	2021	NUM
esutjss-162	312	9	)	)	PUNCT
esutjss-162	312	10	.	.	PUNCT
esutjss-162	313	1	automation	automation	NOUN
esutjss-162	313	2	,	,	PUNCT
esutjss-162	313	3	covid-19	covid-19	PROPN
esutjss-162	313	4	,	,	PUNCT
esutjss-162	313	5	and	and	CCONJ
esutjss-162	313	6	labour	labour	ADJ
esutjss-162	313	7	markets	market	NOUN
esutjss-162	313	8	,	,	PUNCT
esutjss-162	313	9	adbi	adbi	ADJ
esutjss-162	313	10	working	working	NOUN
esutjss-162	313	11	paper	paper	NOUN
esutjss-162	313	12	no	no	NOUN
esutjss-162	313	13	.	.	PROPN
esutjss-162	313	14	1229	1229	NUM
esutjss-162	313	15	,	,	PUNCT
esutjss-162	313	16	tokyo	tokyo	PROPN
esutjss-162	313	17	.	.	PUNCT
esutjss-162	314	1	https://www.adb.org/publications/automation-covid-19-and-labor-markets	https://www.adb.org/publications/automation-covid-19-and-labor-market	VERB
esutjss-162	314	2	ajemunigbohun	ajemunigbohun	PROPN
esutjss-162	314	3	,	,	PUNCT
esutjss-162	314	4	s.s	s.s	PROPN
esutjss-162	314	5	.	.	PROPN
esutjss-162	314	6	,	,	PUNCT
esutjss-162	314	7	oreshile	oreshile	NOUN
esutjss-162	314	8	,	,	PUNCT
esutjss-162	314	9	s.a	s.a	PROPN
esutjss-162	314	10	.	.	PROPN
esutjss-162	314	11	,	,	PUNCT
esutjss-162	314	12	&	&	CCONJ
esutjss-162	314	13	alli	alli	PROPN
esutjss-162	314	14	,	,	PUNCT
esutjss-162	314	15	n.g	n.g	X
esutjss-162	314	16	(	(	PUNCT
esutjss-162	314	17	2018	2018	NUM
esutjss-162	314	18	)	)	PUNCT
esutjss-162	314	19	.	.	PUNCT
esutjss-162	315	1	internal	internal	ADJ
esutjss-162	315	2	marketing	marketing	NOUN
esutjss-162	315	3	,	,	PUNCT
esutjss-162	315	4	sales	sale	NOUN
esutjss-162	315	5	performane	performane	NOUN
esutjss-162	315	6	and	and	CCONJ
esutjss-162	315	7	service	service	NOUN
esutjss-162	315	8	delivery	delivery	NOUN
esutjss-162	315	9	:	:	PUNCT
esutjss-162	315	10	empirical	empirical	ADJ
esutjss-162	315	11	evidence	evidence	NOUN
esutjss-162	315	12	from	from	ADP
esutjss-162	315	13	the	the	DET
esutjss-162	315	14	nigerian	nigerian	ADJ
esutjss-162	315	15	insurance	insurance	NOUN
esutjss-162	315	16	industry	industry	NOUN
esutjss-162	315	17	.	.	PUNCT
esutjss-162	316	1	annals	annal	NOUN
esutjss-162	316	2	of	of	ADP
esutjss-162	316	3	the	the	DET
esutjss-162	316	4	university	university	PROPN
esutjss-162	316	5	of	of	ADP
esutjss-162	316	6	craiova	craiova	PROPN
esutjss-162	316	7	,	,	PUNCT
esutjss-162	316	8	economics	economics	PROPN
esutjss-162	316	9	science	science	PROPN
esutjss-162	316	10	series	series	PROPN
esutjss-162	316	11	,	,	PUNCT
esutjss-162	316	12	1(46	1(46	NUM
esutjss-162	316	13	)	)	PUNCT
esutjss-162	316	14	,	,	PUNCT
esutjss-162	316	15	146	146	NUM
esutjss-162	316	16	.	.	PUNCT
esutjss-162	317	1	alli	alli	PROPN
esutjss-162	317	2	,	,	PUNCT
esutjss-162	317	3	n.g	n.g	PROPN
esutjss-162	317	4	.	.	PROPN
esutjss-162	317	5	,	,	PUNCT
esutjss-162	317	6	ganiyu	ganiyu	NOUN
esutjss-162	317	7	,	,	PUNCT
esutjss-162	317	8	k	k	PROPN
esutjss-162	317	9	&	&	CCONJ
esutjss-162	317	10	aina	aina	PROPN
esutjss-162	317	11	,	,	PUNCT
esutjss-162	317	12	j.	j.	PROPN
esutjss-162	317	13	(	(	PUNCT
esutjss-162	317	14	2020	2020	NUM
esutjss-162	317	15	)	)	PUNCT
esutjss-162	317	16	.	.	PUNCT
esutjss-162	318	1	place	place	NOUN
esutjss-162	318	2	of	of	ADP
esutjss-162	318	3	nigerian	nigerian	ADJ
esutjss-162	318	4	insurance	insurance	NOUN
esutjss-162	318	5	industry	industry	NOUN
esutjss-162	318	6	in	in	ADP
esutjss-162	318	7	cryptocurrency	cryptocurrency	NOUN
esutjss-162	318	8	insurance	insurance	NOUN
esutjss-162	318	9	as	as	ADP
esutjss-162	318	10	an	an	DET
esutjss-162	318	11	emerging	emerge	VERB
esutjss-162	318	12	market	market	NOUN
esutjss-162	318	13	.	.	PUNCT
esutjss-162	319	1	esut	esut	PROPN
esutjss-162	319	2	journal	journal	PROPN
esutjss-162	319	3	of	of	ADP
esutjss-162	319	4	social	social	ADJ
esutjss-162	319	5	sciences	science	NOUN
esutjss-162	319	6	,	,	PUNCT
esutjss-162	319	7	5(3	5(3	NUM
esutjss-162	319	8	)	)	PUNCT
esutjss-162	319	9	.	.	PUNCT
esutjss-162	320	1	retrieved	retrieve	VERB
esutjss-162	320	2	from	from	ADP
esutjss-162	320	3	https://www.esutjss.com/index.php/esutjss/article/view/53	https://www.esutjss.com/index.php/esutjss/article/view/53	PROPN
esutjss-162	320	4	alli	alli	PROPN
esutjss-162	320	5	,	,	PUNCT
esutjss-162	320	6	n.g	n.g	PROPN
esutjss-162	320	7	.	.	PROPN
esutjss-162	320	8	,	,	PUNCT
esutjss-162	320	9	aina	aina	PROPN
esutjss-162	320	10	,	,	PUNCT
esutjss-162	320	11	j.	j.	PROPN
esutjss-162	320	12	&	&	CCONJ
esutjss-162	320	13	ganiyu	ganiyu	PROPN
esutjss-162	320	14	,	,	PUNCT
esutjss-162	320	15	k	k	X
esutjss-162	320	16	(	(	PUNCT
esutjss-162	320	17	2021	2021	NUM
esutjss-162	320	18	)	)	PUNCT
esutjss-162	320	19	.	.	PUNCT
esutjss-162	321	1	knowledge	knowledge	NOUN
esutjss-162	321	2	,	,	PUNCT
esutjss-162	321	3	attitude	attitude	NOUN
esutjss-162	321	4	and	and	CCONJ
esutjss-162	321	5	perception	perception	NOUN
esutjss-162	321	6	of	of	ADP
esutjss-162	321	7	artificial	artificial	ADJ
esutjss-162	321	8	intelligence	intelligence	NOUN
esutjss-162	321	9	and	and	CCONJ
esutjss-162	321	10	its	its	PRON
esutjss-162	321	11	application	application	NOUN
esutjss-162	321	12	in	in	ADP
esutjss-162	321	13	the	the	DET
esutjss-162	321	14	key	key	ADJ
esutjss-162	321	15	operations	operation	NOUN
esutjss-162	321	16	of	of	ADP
esutjss-162	321	17	insurance	insurance	NOUN
esutjss-162	321	18	in	in	ADP
esutjss-162	321	19	nigeria	nigeria	PROPN
esutjss-162	321	20	,	,	PUNCT
esutjss-162	321	21	nigeria	nigeria	PROPN
esutjss-162	321	22	journal	journal	PROPN
esutjss-162	321	23	of	of	ADP
esutjss-162	321	24	risk	risk	NOUN
esutjss-162	321	25	and	and	CCONJ
esutjss-162	321	26	insurance	insurance	NOUN
esutjss-162	321	27	,	,	PUNCT
esutjss-162	321	28	11(1	11(1	NUM
esutjss-162	321	29	)	)	PUNCT
esutjss-162	321	30	.	.	PUNCT
esutjss-162	322	1	retrieved	retrieve	VERB
esutjss-162	322	2	from	from	ADP
esutjss-162	322	3	https://www.njri.unilag.edu.ng/article/view/1387/1064	https://www.njri.unilag.edu.ng/article/view/1387/1064	ADJ
esutjss-162	322	4	aydin	aydin	NOUN
esutjss-162	322	5	,	,	PUNCT
esutjss-162	322	6	a.	a.	NOUN
esutjss-162	322	7	,	,	PUNCT
esutjss-162	322	8	demirtas	demirta	NOUN
esutjss-162	322	9	,	,	PUNCT
esutjss-162	322	10	z.	z.	PROPN
esutjss-162	322	11	&	&	CCONJ
esutjss-162	322	12	ok	ok	PROPN
esutjss-162	322	13	,	,	PUNCT
esutjss-162	322	14	m.	m.	NOUN
esutjss-162	322	15	(	(	PUNCT
esutjss-162	322	16	2021	2021	NUM
esutjss-162	322	17	)	)	PUNCT
esutjss-162	322	18	.	.	PUNCT
esutjss-162	323	1	3d	3d	NUM
esutjss-162	323	2	printing	printing	NOUN
esutjss-162	323	3	in	in	ADP
esutjss-162	323	4	the	the	DET
esutjss-162	323	5	battle	battle	NOUN
esutjss-162	323	6	against	against	ADP
esutjss-162	323	7	covid-19	covid-19	PROPN
esutjss-162	323	8	emergent	emergent	ADJ
esutjss-162	323	9	materials	material	NOUN
esutjss-162	323	10	.	.	PUNCT
esutjss-162	324	1	vol	vol	NOUN
esutjss-162	324	2	.	.	PROPN
esutjss-162	325	1	4	4	NUM
esutjss-162	325	2	,	,	PUNCT
esutjss-162	325	3	pp	pp	ADJ
esutjss-162	325	4	.	.	PUNCT
esutjss-162	326	1	363–386	363–386	NUM
esutjss-162	326	2	.	.	X
esutjss-162	326	3	barreto	barreto	PROPN
esutjss-162	326	4	,	,	PUNCT
esutjss-162	326	5	i.	i.	PROPN
esutjss-162	326	6	,	,	PUNCT
esutjss-162	326	7	(	(	PUNCT
esutjss-162	326	8	2010	2010	NUM
esutjss-162	326	9	)	)	PUNCT
esutjss-162	326	10	.	.	PUNCT
esutjss-162	327	1	dynamic	dynamic	ADJ
esutjss-162	327	2	capabilities	capability	NOUN
esutjss-162	327	3	:	:	PUNCT
esutjss-162	327	4	a	a	DET
esutjss-162	327	5	review	review	NOUN
esutjss-162	327	6	of	of	ADP
esutjss-162	327	7	past	past	ADJ
esutjss-162	327	8	research	research	NOUN
esutjss-162	327	9	and	and	CCONJ
esutjss-162	327	10	an	an	DET
esutjss-162	327	11	agenda	agenda	NOUN
esutjss-162	327	12	for	for	ADP
esutjss-162	327	13	the	the	DET
esutjss-162	327	14	future	future	NOUN
esutjss-162	327	15	.	.	PUNCT
esutjss-162	328	1	j.	j.	PROPN
esutjss-162	328	2	manage	manage	VERB
esutjss-162	328	3	.	.	PUNCT
esutjss-162	329	1	36	36	NUM
esutjss-162	329	2	(	(	PUNCT
esutjss-162	329	3	1	1	NUM
esutjss-162	329	4	)	)	PUNCT
esutjss-162	329	5	,	,	PUNCT
esutjss-162	329	6	256–280	256–280	NUM
esutjss-162	329	7	.	.	PUNCT
esutjss-162	330	1	bharadwaj	bharadwaj	PROPN
esutjss-162	330	2	a	a	PROPN
esutjss-162	330	3	,	,	PUNCT
esutjss-162	330	4	el	el	PROPN
esutjss-162	330	5	sawy	sawy	PROPN
esutjss-162	330	6	o	o	PROPN
esutjss-162	330	7	,	,	PUNCT
esutjss-162	330	8	pavlou	pavlou	ADJ
esutjss-162	330	9	p	p	X
esutjss-162	330	10	,	,	PUNCT
esutjss-162	330	11	&	&	CCONJ
esutjss-162	330	12	venkatraman	venkatraman	PROPN
esutjss-162	330	13	n	n	PROPN
esutjss-162	330	14	(	(	PUNCT
esutjss-162	330	15	2013	2013	NUM
esutjss-162	330	16	)	)	PUNCT
esutjss-162	330	17	.	.	PUNCT
esutjss-162	331	1	digital	digital	ADJ
esutjss-162	331	2	business	business	NOUN
esutjss-162	331	3	strategy	strategy	NOUN
esutjss-162	331	4	:	:	PUNCT
esutjss-162	331	5	toward	toward	ADP
esutjss-162	331	6	a	a	DET
esutjss-162	331	7	next	next	ADJ
esutjss-162	331	8	generation	generation	NOUN
esutjss-162	331	9	of	of	ADP
esutjss-162	331	10	insights	insight	NOUN
esutjss-162	331	11	.	.	PUNCT
esutjss-162	332	1	mis	mis	PROPN
esutjss-162	332	2	q	q	PROPN
esutjss-162	332	3	37(2):471–482	37(2):471–482	PROPN
esutjss-162	332	4	bucy	bucy	NOUN
esutjss-162	332	5	,	,	PUNCT
esutjss-162	332	6	m.	m.	NOUN
esutjss-162	332	7	,	,	PUNCT
esutjss-162	332	8	finlayson	finlayson	PROPN
esutjss-162	332	9	,	,	PUNCT
esutjss-162	332	10	a.	a.	PROPN
esutjss-162	332	11	,	,	PUNCT
esutjss-162	332	12	kelly	kelly	PROPN
esutjss-162	332	13	,	,	PUNCT
esutjss-162	332	14	g.	g.	PROPN
esutjss-162	332	15	,	,	PUNCT
esutjss-162	332	16	&	&	CCONJ
esutjss-162	332	17	moye	moye	PROPN
esutjss-162	332	18	,	,	PUNCT
esutjss-162	332	19	c.	c.	PROPN
esutjss-162	332	20	(	(	PUNCT
esutjss-162	332	21	2015	2015	NUM
esutjss-162	332	22	)	)	PUNCT
esutjss-162	332	23	.	.	PUNCT
esutjss-162	333	1	the	the	DET
esutjss-162	333	2	‘	'	PUNCT
esutjss-162	333	3	how	how	SCONJ
esutjss-162	333	4	’	'	PUNCT
esutjss-162	333	5	of	of	ADP
esutjss-162	333	6	transformation	transformation	NOUN
esutjss-162	333	7	.	.	PUNCT
esutjss-162	334	1	mckinsey	mckinsey	PROPN
esutjss-162	334	2	quarterly	quarterly	PROPN
esutjss-162	334	3	.	.	PUNCT
esutjss-162	335	1	retrieved	retrieve	VERB
esutjss-162	335	2	from	from	ADP
esutjss-162	335	3	https://www.mckinsey.com/industries/retail/ourinsights/the	https://www.mckinsey.com/industries/retail/ourinsights/the	DET
esutjss-162	335	4	how	how	SCONJ
esutjss-162	335	5	-	-	PUNCT
esutjss-162	335	6	of	of	ADP
esutjss-162	335	7	-	-	PUNCT
esutjss-162	335	8	transformation	transformation	NOUN
esutjss-162	335	9	choong	choong	NOUN
esutjss-162	335	10	,	,	PUNCT
esutjss-162	335	11	y.	y.	PROPN
esutjss-162	335	12	y.	y.	PROPN
esutjss-162	335	13	c.	c.	PROPN
esutjss-162	335	14	,	,	PUNCT
esutjss-162	335	15	tan	tan	PROPN
esutjss-162	335	16	,	,	PUNCT
esutjss-162	335	17	h.	h.	PROPN
esutjss-162	335	18	w.	w.	PROPN
esutjss-162	335	19	&	&	CCONJ
esutjss-162	335	20	patel	patel	PROPN
esutjss-162	335	21	,	,	PUNCT
esutjss-162	335	22	d.	d.	PROPN
esutjss-162	335	23	c.	c.	PROPN
esutjss-162	335	24	(	(	PUNCT
esutjss-162	335	25	2020	2020	NUM
esutjss-162	335	26	)	)	PUNCT
esutjss-162	335	27	.	.	PUNCT
esutjss-162	336	1	‘	'	PUNCT
esutjss-162	336	2	the	the	DET
esutjss-162	336	3	global	global	ADJ
esutjss-162	336	4	rise	rise	NOUN
esutjss-162	336	5	of	of	ADP
esutjss-162	336	6	3d	3d	NUM
esutjss-162	336	7	printing	printing	NOUN
esutjss-162	336	8	during	during	ADP
esutjss-162	336	9	the	the	DET
esutjss-162	336	10	covid-19	covid-19	PROPN
esutjss-162	336	11	pandemic	pandemic	NOUN
esutjss-162	336	12	.	.	PUNCT
esutjss-162	336	13	’	'	PUNCT
esutjss-162	337	1	nature	nature	NOUN
esutjss-162	337	2	review	review	VERB
esutjss-162	337	3	materials	material	NOUN
esutjss-162	337	4	,	,	PUNCT
esutjss-162	337	5	vol	vol	NOUN
esutjss-162	337	6	.	.	PROPN
esutjss-162	337	7	5	5	NUM
esutjss-162	337	8	,	,	PUNCT
esutjss-162	337	9	pp	pp	ADJ
esutjss-162	337	10	.	.	PUNCT
esutjss-162	338	1	637–639	637–639	NUM
esutjss-162	338	2	.	.	PUNCT
esutjss-162	338	3	deloitte	deloitte	PROPN
esutjss-162	338	4	(	(	PUNCT
esutjss-162	338	5	2020	2020	NUM
esutjss-162	338	6	)	)	PUNCT
esutjss-162	338	7	.	.	PUNCT
esutjss-162	339	1	automation	automation	NOUN
esutjss-162	339	2	with	with	ADP
esutjss-162	339	3	intelligence	intelligence	NOUN
esutjss-162	339	4	.	.	PUNCT
esutjss-162	340	1	retrieved	retrieve	VERB
esutjss-162	340	2	from	from	ADP
esutjss-162	340	3	:	:	PUNCT
esutjss-162	340	4	https://www2.deloitte.com/uk/en/insights/focus/technology-and-the-future-ofwork/intelligent-automation-2020-surveyresults.html?id=gx:2el:3pr:4dinse73699:5awa:6di:mmddyy:&pkid=1007254	https://www2.deloitte.com/uk/en/insights/focus/technology-and-the-future-ofwork/intelligent-automation-2020-surveyresults.html?id=gx:2el:3pr:4dinse73699:5awa:6di:mmddyy:&pkid=1007254	PROPN
esutjss-162	340	5	,	,	PUNCT
esutjss-162	340	6	accessed	access	VERB
esutjss-162	340	7	on	on	ADP
esutjss-162	340	8	18	18	NUM
esutjss-162	340	9	november	november	PROPN
esutjss-162	340	10	,	,	PUNCT
esutjss-162	340	11	2022	2022	NUM
esutjss-162	340	12	.	.	PUNCT
esutjss-162	341	1	di	di	PROPN
esutjss-162	341	2	stefano	stefano	PROPN
esutjss-162	341	3	,	,	PUNCT
esutjss-162	341	4	g.	g.	PROPN
esutjss-162	341	5	,	,	PUNCT
esutjss-162	341	6	peteraf	peteraf	NOUN
esutjss-162	341	7	,	,	PUNCT
esutjss-162	341	8	h.	h.	PROPN
esutjss-162	341	9	,	,	PUNCT
esutjss-162	341	10	&	&	CCONJ
esutjss-162	341	11	verona	verona	PROPN
esutjss-162	341	12	,	,	PUNCT
esutjss-162	341	13	g.	g.	PROPN
esutjss-162	341	14	(	(	PUNCT
esutjss-162	341	15	2014	2014	NUM
esutjss-162	341	16	)	)	PUNCT
esutjss-162	341	17	.	.	PUNCT
esutjss-162	342	1	the	the	DET
esutjss-162	342	2	organizational	organizational	ADJ
esutjss-162	342	3	drive	drive	NOUN
esutjss-162	342	4	train	train	NOUN
esutjss-162	342	5	:	:	PUNCT
esutjss-162	342	6	a	a	DET
esutjss-162	342	7	road	road	NOUN
esutjss-162	342	8	to	to	ADP
esutjss-162	342	9	integration	integration	NOUN
esutjss-162	342	10	of	of	ADP
esutjss-162	342	11	dynamic	dynamic	ADJ
esutjss-162	342	12	capabilities	capability	NOUN
esutjss-162	342	13	research	research	NOUN
esutjss-162	342	14	.	.	PUNCT
esutjss-162	343	1	acad	acad	PROPN
esutjss-162	343	2	.	.	PUNCT
esutjss-162	344	1	manage	manage	VERB
esutjss-162	344	2	.	.	PUNCT
esutjss-162	345	1	perspect	perspect	VERB
esutjss-162	345	2	.	.	PUNCT
esutjss-162	346	1	28	28	NUM
esutjss-162	346	2	(	(	PUNCT
esutjss-162	346	3	4	4	NUM
esutjss-162	346	4	)	)	PUNCT
esutjss-162	346	5	,	,	PUNCT
esutjss-162	346	6	307	307	NUM
esutjss-162	346	7	–	–	PUNCT
esutjss-162	346	8	327	327	NUM
esutjss-162	346	9	https://www.adb.org/publications/automation-covid-19-and-labor-markets	https://www.adb.org/publications/automation-covid-19-and-labor-market	NOUN
esutjss-162	346	10	https://www.esutjss.com/index.php/esutjss/article/view/53	https://www.esutjss.com/index.php/esutjss/article/view/53	PROPN
esutjss-162	346	11	https://www.njri.unilag.edu.ng/article/view/1387/1064	https://www.njri.unilag.edu.ng/article/view/1387/1064	NOUN
esutjss-162	346	12	https://www.mckinsey.com/industries/retail/ourinsights/the-%20%20%20how-of-transformation	https://www.mckinsey.com/industries/retail/ourinsights/the-%20%20%20how-of-transformation	NOUN
esutjss-162	346	13	https://www2.deloitte.com/uk/en/insights/focus/technology-and-the-future-of-work/intelligent-automation-2020-survey-results.html?id=gx:2el:3pr:4dinse73699:5awa:6di:mmddyy:&pkid=1007254	https://www2.deloitte.com/uk/en/insights/focus/technology-and-the-future-of-work/intelligent-automation-2020-survey-results.html?id=gx:2el:3pr:4dinse73699:5awa:6di:mmddyy:&pkid=1007254	NOUN
esutjss-162	346	14	https://www2.deloitte.com/uk/en/insights/focus/technology-and-the-future-of-work/intelligent-automation-2020-survey-results.html?id=gx:2el:3pr:4dinse73699:5awa:6di:mmddyy:&pkid=1007254	https://www2.deloitte.com/uk/en/insights/focus/technology-and-the-future-of-work/intelligent-automation-2020-survey-results.html?id=gx:2el:3pr:4dinse73699:5awa:6di:mmddyy:&pkid=1007254	NOUN
esutjss-162	346	15	https://www2.deloitte.com/uk/en/insights/focus/technology-and-the-future-of-work/intelligent-automation-2020-survey-results.html?id=gx:2el:3pr:4dinse73699:5awa:6di:mmddyy:&pkid=1007254	https://www2.deloitte.com/uk/en/insights/focus/technology-and-the-future-of-work/intelligent-automation-2020-survey-results.html?id=gx:2el:3pr:4dinse73699:5awa:6di:mmddyy:&pkid=1007254	NOUN
esutjss-162	346	16	103	103	NUM
esutjss-162	346	17	dnv	dnv	NOUN
esutjss-162	346	18	(	(	PUNCT
esutjss-162	346	19	2021	2021	NUM
esutjss-162	346	20	)	)	PUNCT
esutjss-162	346	21	.	.	PUNCT
esutjss-162	347	1	the	the	DET
esutjss-162	347	2	role	role	NOUN
esutjss-162	347	3	of	of	ADP
esutjss-162	347	4	technology	technology	NOUN
esutjss-162	347	5	in	in	ADP
esutjss-162	347	6	a	a	DET
esutjss-162	347	7	world	world	NOUN
esutjss-162	347	8	shaped	shape	VERB
esutjss-162	347	9	by	by	ADP
esutjss-162	347	10	covid-19	covid-19	PROPN
esutjss-162	347	11	.	.	PROPN
esutjss-162	347	12	retrieved	retrieve	VERB
esutjss-162	347	13	from	from	ADP
esutjss-162	347	14	:	:	PUNCT
esutjss-162	347	15	https://www.dnv.com/feature/technology-in-a-world-shaped-by-covid-19.html	https://www.dnv.com/feature/technology-in-a-world-shaped-by-covid-19.html	PRON
esutjss-162	347	16	accessed	access	VERB
esutjss-162	347	17	on	on	ADP
esutjss-162	347	18	18	18	NUM
esutjss-162	347	19	november	november	PROPN
esutjss-162	347	20	,	,	PUNCT
esutjss-162	347	21	2022	2022	NUM
esutjss-162	347	22	.	.	PUNCT
esutjss-162	348	1	downes	downes	PROPN
esutjss-162	348	2	l	l	PROPN
esutjss-162	348	3	,	,	PUNCT
esutjss-162	348	4	&	&	CCONJ
esutjss-162	348	5	nunes	nunes	PROPN
esutjss-162	348	6	,	,	PUNCT
esutjss-162	348	7	p	p	X
esutjss-162	348	8	(	(	PUNCT
esutjss-162	348	9	2013	2013	NUM
esutjss-162	348	10	)	)	PUNCT
esutjss-162	348	11	.	.	PUNCT
esutjss-162	349	1	big	big	ADJ
esutjss-162	349	2	-	-	PUNCT
esutjss-162	349	3	bang	bang	NOUN
esutjss-162	349	4	disruption	disruption	NOUN
esutjss-162	349	5	.	.	PUNCT
esutjss-162	350	1	harv	harv	PROPN
esutjss-162	350	2	bus	bus	NOUN
esutjss-162	350	3	rev	rev	VERB
esutjss-162	350	4	91(3):44–56	91(3):44–56	NUM
esutjss-162	350	5	drnevich	drnevich	PROPN
esutjss-162	350	6	pl	pl	PROPN
esutjss-162	350	7	,	,	PUNCT
esutjss-162	350	8	croson	croson	PROPN
esutjss-162	350	9	dc	dc	PROPN
esutjss-162	350	10	(	(	PUNCT
esutjss-162	350	11	2013	2013	NUM
esutjss-162	350	12	)	)	PUNCT
esutjss-162	350	13	.	.	PUNCT
esutjss-162	351	1	information	information	NOUN
esutjss-162	351	2	technology	technology	NOUN
esutjss-162	351	3	and	and	CCONJ
esutjss-162	351	4	business	business	NOUN
esutjss-162	351	5	-	-	PUNCT
esutjss-162	351	6	level	level	NOUN
esutjss-162	351	7	strategy	strategy	NOUN
esutjss-162	351	8	:	:	PUNCT
esutjss-162	351	9	toward	toward	ADP
esutjss-162	351	10	an	an	DET
esutjss-162	351	11	integrated	integrate	VERB
esutjss-162	351	12	theoretical	theoretical	ADJ
esutjss-162	351	13	perspective	perspective	NOUN
esutjss-162	351	14	.	.	PUNCT
esutjss-162	352	1	mis	mis	PROPN
esutjss-162	352	2	q	q	PROPN
esutjss-162	352	3	37(2):483–509	37(2):483–509	PROPN
esutjss-162	352	4	eisenhardt	eisenhardt	ADJ
esutjss-162	352	5	,	,	PUNCT
esutjss-162	352	6	k.m	k.m	PROPN
esutjss-162	352	7	.	.	PROPN
esutjss-162	352	8	,	,	PUNCT
esutjss-162	352	9	&	&	CCONJ
esutjss-162	352	10	martin	martin	PROPN
esutjss-162	352	11	,	,	PUNCT
esutjss-162	352	12	j.a	j.a	PROPN
esutjss-162	352	13	.	.	PROPN
esutjss-162	352	14	,	,	PUNCT
esutjss-162	352	15	(	(	PUNCT
esutjss-162	352	16	2000	2000	NUM
esutjss-162	352	17	)	)	PUNCT
esutjss-162	352	18	.	.	PUNCT
esutjss-162	353	1	dynamic	dynamic	ADJ
esutjss-162	353	2	capabilities	capability	NOUN
esutjss-162	353	3	:	:	PUNCT
esutjss-162	353	4	what	what	PRON
esutjss-162	353	5	are	be	AUX
esutjss-162	353	6	they	they	PRON
esutjss-162	353	7	?	?	PUNCT
esutjss-162	354	1	strateg	strateg	NOUN
esutjss-162	354	2	.	.	PUNCT
esutjss-162	355	1	manage	manage	VERB
esutjss-162	355	2	.	.	PUNCT
esutjss-162	356	1	j.	j.	PROPN
esutjss-162	356	2	21	21	NUM
esutjss-162	356	3	(	(	PUNCT
esutjss-162	356	4	10–11	10–11	NUM
esutjss-162	356	5	)	)	PUNCT
esutjss-162	356	6	,	,	PUNCT
esutjss-162	356	7	1105–1121	1105–1121	NUM
esutjss-162	356	8	.	.	PUNCT
esutjss-162	357	1	eurofound	eurofound	PROPN
esutjss-162	357	2	(	(	PUNCT
esutjss-162	357	3	2020a	2020a	NOUN
esutjss-162	357	4	)	)	PUNCT
esutjss-162	357	5	.	.	PUNCT
esutjss-162	358	1	‘	'	PUNCT
esutjss-162	358	2	coronavirus	coronavirus	NOUN
esutjss-162	358	3	highlights	highlight	NOUN
esutjss-162	358	4	sick	sick	ADJ
esutjss-162	358	5	pay	pay	VERB
esutjss-162	358	6	void	void	NOUN
esutjss-162	358	7	for	for	ADP
esutjss-162	358	8	platform	platform	NOUN
esutjss-162	358	9	workers	worker	NOUN
esutjss-162	358	10	.	.	PUNCT
esutjss-162	358	11	’	'	PUNCT
esutjss-162	359	1	https://www.eurofound.europa.eu/publications/article/2020/coronavirus-highlightssick-pay-void-for-platform-workers	https://www.eurofound.europa.eu/publications/article/2020/coronavirus-highlightssick-pay-void-for-platform-worker	NOUN
esutjss-162	359	2	accessed	access	VERB
esutjss-162	359	3	on	on	ADP
esutjss-162	359	4	18	18	NUM
esutjss-162	359	5	november	november	PROPN
esutjss-162	359	6	,	,	PUNCT
esutjss-162	359	7	2022	2022	NUM
esutjss-162	359	8	.	.	PUNCT
esutjss-162	360	1	eurofound	eurofound	PROPN
esutjss-162	360	2	(	(	PUNCT
esutjss-162	360	3	2020b	2020b	NUM
esutjss-162	360	4	)	)	PUNCT
esutjss-162	360	5	.	.	PUNCT
esutjss-162	361	1	platform	platform	NOUN
esutjss-162	361	2	economy	economy	NOUN
esutjss-162	361	3	:	:	PUNCT
esutjss-162	361	4	developments	development	NOUN
esutjss-162	361	5	in	in	ADP
esutjss-162	361	6	the	the	DET
esutjss-162	361	7	covid-19	covid-19	PROPN
esutjss-162	361	8	crisis	crisis	NOUN
esutjss-162	361	9	https://www.eurofound.europa.eu/data/platform-economy/dossiers/developments-inthe-covid-19-crisis	https://www.eurofound.europa.eu/data/platform-economy/dossiers/developments-inthe-covid-19-crisis	NOUN
esutjss-162	361	10	accessed	access	VERB
esutjss-162	361	11	on	on	ADP
esutjss-162	361	12	18	18	NUM
esutjss-162	361	13	november	november	PROPN
esutjss-162	361	14	,	,	PUNCT
esutjss-162	361	15	2022	2022	NUM
esutjss-162	361	16	.	.	PUNCT
esutjss-162	362	1	eurofound	eurofound	PROPN
esutjss-162	362	2	(	(	PUNCT
esutjss-162	362	3	2021	2021	NUM
esutjss-162	362	4	)	)	PUNCT
esutjss-162	362	5	.	.	PUNCT
esutjss-162	363	1	covid-19	covid-19	PROPN
esutjss-162	363	2	and	and	CCONJ
esutjss-162	363	3	the	the	DET
esutjss-162	363	4	impact	impact	NOUN
esutjss-162	363	5	on	on	ADP
esutjss-162	363	6	business	business	NOUN
esutjss-162	363	7	continuity	continuity	NOUN
esutjss-162	363	8	:	:	PUNCT
esutjss-162	363	9	changes	change	NOUN
esutjss-162	363	10	in	in	ADP
esutjss-162	363	11	workplace	workplace	NOUN
esutjss-162	363	12	practices	practice	NOUN
esutjss-162	363	13	,	,	PUNCT
esutjss-162	363	14	publications	publication	NOUN
esutjss-162	363	15	office	office	NOUN
esutjss-162	363	16	of	of	ADP
esutjss-162	363	17	the	the	DET
esutjss-162	363	18	european	european	PROPN
esutjss-162	363	19	union	union	PROPN
esutjss-162	363	20	,	,	PUNCT
esutjss-162	363	21	luxembourg	luxembourg	PROPN
esutjss-162	363	22	.	.	PUNCT
esutjss-162	364	1	garzoni	garzoni	PROPN
esutjss-162	364	2	,	,	PUNCT
esutjss-162	364	3	a.	a.	NOUN
esutjss-162	364	4	,	,	PUNCT
esutjss-162	364	5	turi	turi	PROPN
esutjss-162	364	6	,	,	PUNCT
esutjss-162	364	7	i.	i.	PROPN
esutjss-162	364	8	d.	d.	PROPN
esutjss-162	364	9	,	,	PUNCT
esutjss-162	364	10	secundo	secundo	PROPN
esutjss-162	364	11	,	,	PUNCT
esutjss-162	364	12	g.	g.	PROPN
esutjss-162	364	13	,	,	PUNCT
esutjss-162	364	14	&	&	CCONJ
esutjss-162	364	15	vecchio	vecchio	PROPN
esutjss-162	364	16	,	,	PUNCT
esutjss-162	364	17	p.	p.	PROPN
esutjss-162	364	18	d.	d.	PROPN
esutjss-162	364	19	(	(	PUNCT
esutjss-162	364	20	2020	2020	NUM
esutjss-162	364	21	)	)	PUNCT
esutjss-162	364	22	.	.	PUNCT
esutjss-162	365	1	fostering	foster	VERB
esutjss-162	365	2	digital	digital	ADJ
esutjss-162	365	3	transformation	transformation	NOUN
esutjss-162	365	4	of	of	ADP
esutjss-162	365	5	smes	sme	NOUN
esutjss-162	365	6	:	:	PUNCT
esutjss-162	365	7	a	a	DET
esutjss-162	365	8	four	four	NUM
esutjss-162	365	9	levels	level	NOUN
esutjss-162	365	10	approach	approach	NOUN
esutjss-162	365	11	.	.	PUNCT
esutjss-162	366	1	management	management	NOUN
esutjss-162	366	2	decision	decision	NOUN
esutjss-162	366	3	,	,	PUNCT
esutjss-162	366	4	58(8	58(8	NUM
esutjss-162	366	5	)	)	PUNCT
esutjss-162	366	6	,	,	PUNCT
esutjss-162	366	7	15431562	15431562	NUM
esutjss-162	366	8	.	.	PUNCT
esutjss-162	367	1	gobble	gobble	VERB
esutjss-162	367	2	,	,	PUNCT
esutjss-162	367	3	m.	m.	NOUN
esutjss-162	367	4	(	(	PUNCT
esutjss-162	367	5	2018	2018	NUM
esutjss-162	367	6	)	)	PUNCT
esutjss-162	367	7	.	.	PUNCT
esutjss-162	368	1	digital	digital	ADJ
esutjss-162	368	2	strategy	strategy	NOUN
esutjss-162	368	3	and	and	CCONJ
esutjss-162	368	4	digital	digital	ADJ
esutjss-162	368	5	transformation	transformation	NOUN
esutjss-162	368	6	.	.	PUNCT
esutjss-162	369	1	research	research	NOUN
esutjss-162	369	2	-	-	PUNCT
esutjss-162	369	3	technology	technology	NOUN
esutjss-162	369	4	management	management	NOUN
esutjss-162	369	5	,	,	PUNCT
esutjss-162	369	6	61(5	61(5	NUM
esutjss-162	369	7	)	)	PUNCT
esutjss-162	369	8	,	,	PUNCT
esutjss-162	370	1	p.	p.	NOUN
esutjss-162	370	2	66	66	NUM
esutjss-162	370	3	-	-	SYM
esutjss-162	370	4	71	71	NUM
esutjss-162	370	5	.	.	PUNCT
esutjss-162	370	6	helfat	helfat	PROPN
esutjss-162	370	7	,	,	PUNCT
esutjss-162	370	8	c.e	c.e	PROPN
esutjss-162	370	9	.	.	PROPN
esutjss-162	370	10	,	,	PUNCT
esutjss-162	370	11	finkelstein	finkelstein	PROPN
esutjss-162	370	12	,	,	PUNCT
esutjss-162	370	13	s.	s.	PROPN
esutjss-162	370	14	,	,	PUNCT
esutjss-162	370	15	mitchell	mitchell	PROPN
esutjss-162	370	16	,	,	PUNCT
esutjss-162	370	17	w.	w.	PROPN
esutjss-162	370	18	,	,	PUNCT
esutjss-162	370	19	peteraf	peteraf	NOUN
esutjss-162	370	20	,	,	PUNCT
esutjss-162	370	21	m.a	m.a	PROPN
esutjss-162	370	22	.	.	PROPN
esutjss-162	370	23	,	,	PUNCT
esutjss-162	370	24	singh	singh	PROPN
esutjss-162	370	25	,	,	PUNCT
esutjss-162	370	26	h.	h.	PROPN
esutjss-162	370	27	,	,	PUNCT
esutjss-162	370	28	teece	teece	PROPN
esutjss-162	370	29	,	,	PUNCT
esutjss-162	370	30	d.j	d.j	PROPN
esutjss-162	370	31	.	.	PROPN
esutjss-162	370	32	,	,	PUNCT
esutjss-162	370	33	winter	winter	PROPN
esutjss-162	370	34	,	,	PUNCT
esutjss-162	370	35	s.g	s.g	PROPN
esutjss-162	370	36	.	.	PROPN
esutjss-162	370	37	,	,	PUNCT
esutjss-162	370	38	(	(	PUNCT
esutjss-162	370	39	2007	2007	NUM
esutjss-162	370	40	)	)	PUNCT
esutjss-162	370	41	.	.	PUNCT
esutjss-162	371	1	dynamic	dynamic	ADJ
esutjss-162	371	2	capabilities	capability	NOUN
esutjss-162	371	3	:	:	PUNCT
esutjss-162	371	4	understanding	understand	VERB
esutjss-162	371	5	strategic	strategic	ADJ
esutjss-162	371	6	change	change	NOUN
esutjss-162	371	7	in	in	ADP
esutjss-162	371	8	organizations	organization	NOUN
esutjss-162	371	9	.	.	PUNCT
esutjss-162	372	1	john	john	PROPN
esutjss-162	372	2	wiley	wiley	PROPN
esutjss-162	372	3	&	&	CCONJ
esutjss-162	372	4	sons	son	NOUN
esutjss-162	372	5	.	.	PUNCT
esutjss-162	373	1	henderson	henderson	PROPN
esutjss-162	373	2	jc	jc	PROPN
esutjss-162	373	3	,	,	PUNCT
esutjss-162	373	4	venkatraman	venkatraman	NOUN
esutjss-162	373	5	n	n	CCONJ
esutjss-162	373	6	(	(	PUNCT
esutjss-162	373	7	1993	1993	NUM
esutjss-162	373	8	)	)	PUNCT
esutjss-162	373	9	.	.	PUNCT
esutjss-162	374	1	strategic	strategic	ADJ
esutjss-162	374	2	alignment	alignment	NOUN
esutjss-162	374	3	:	:	PUNCT
esutjss-162	374	4	leveraging	leverage	VERB
esutjss-162	374	5	information	information	NOUN
esutjss-162	374	6	technology	technology	NOUN
esutjss-162	374	7	for	for	ADP
esutjss-162	374	8	transforming	transform	VERB
esutjss-162	374	9	organizations	organization	NOUN
esutjss-162	374	10	.	.	PUNCT
esutjss-162	375	1	ibm	ibm	PROPN
esutjss-162	375	2	syst	syst	PROPN
esutjss-162	375	3	j	j	PROPN
esutjss-162	375	4	32(1):4–16	32(1):4–16	NUM
esutjss-162	375	5	higgs	higgs	PROPN
esutjss-162	375	6	,	,	PUNCT
esutjss-162	375	7	m.	m.	NOUN
esutjss-162	375	8	,	,	PUNCT
esutjss-162	375	9	&	&	CCONJ
esutjss-162	375	10	rowland	rowland	PROPN
esutjss-162	375	11	,	,	PUNCT
esutjss-162	375	12	d.	d.	PROPN
esutjss-162	375	13	(	(	PUNCT
esutjss-162	375	14	2005	2005	NUM
esutjss-162	375	15	)	)	PUNCT
esutjss-162	375	16	.	.	PUNCT
esutjss-162	376	1	all	all	DET
esutjss-162	376	2	changes	change	VERB
esutjss-162	376	3	great	great	ADJ
esutjss-162	376	4	and	and	CCONJ
esutjss-162	376	5	small	small	ADJ
esutjss-162	376	6	:	:	PUNCT
esutjss-162	376	7	exploring	explore	VERB
esutjss-162	376	8	approaches	approach	NOUN
esutjss-162	376	9	to	to	PART
esutjss-162	376	10	change	change	VERB
esutjss-162	376	11	and	and	CCONJ
esutjss-162	376	12	its	its	PRON
esutjss-162	376	13	leadership	leadership	NOUN
esutjss-162	376	14	.	.	PUNCT
esutjss-162	377	1	journal	journal	NOUN
esutjss-162	377	2	of	of	ADP
esutjss-162	377	3	change	change	NOUN
esutjss-162	377	4	management	management	NOUN
esutjss-162	377	5	,	,	PUNCT
esutjss-162	377	6	5(2	5(2	NUM
esutjss-162	377	7	)	)	PUNCT
esutjss-162	377	8	,	,	PUNCT
esutjss-162	378	1	p.	p.	NOUN
esutjss-162	378	2	121	121	NUM
esutjss-162	378	3	-	-	SYM
esutjss-162	378	4	151	151	NUM
esutjss-162	378	5	.	.	PUNCT
esutjss-162	379	1	hilali	hilali	PROPN
esutjss-162	379	2	,	,	PUNCT
esutjss-162	379	3	w.	w.	PROPN
esutjss-162	379	4	e.	e.	PROPN
esutjss-162	379	5	,	,	PUNCT
esutjss-162	379	6	manouar	manouar	PROPN
esutjss-162	379	7	,	,	PUNCT
esutjss-162	379	8	a.	a.	PROPN
esutjss-162	379	9	e.	e.	PROPN
esutjss-162	379	10	,	,	PUNCT
esutjss-162	379	11	&	&	CCONJ
esutjss-162	379	12	idrissi	idrissi	PROPN
esutjss-162	379	13	,	,	PUNCT
esutjss-162	379	14	m.	m.	NOUN
esutjss-162	379	15	a.	a.	PROPN
esutjss-162	379	16	j.	j.	PROPN
esutjss-162	379	17	(	(	PUNCT
esutjss-162	379	18	2020	2020	NUM
esutjss-162	379	19	)	)	PUNCT
esutjss-162	379	20	.	.	PUNCT
esutjss-162	380	1	reaching	reach	VERB
esutjss-162	380	2	sustainability	sustainability	NOUN
esutjss-162	380	3	during	during	ADP
esutjss-162	380	4	a	a	DET
esutjss-162	380	5	digital	digital	ADJ
esutjss-162	380	6	transformation	transformation	NOUN
esutjss-162	380	7	:	:	PUNCT
esutjss-162	380	8	a	a	DET
esutjss-162	380	9	pls	pls	NOUN
esutjss-162	380	10	approach	approach	NOUN
esutjss-162	380	11	.	.	PUNCT
esutjss-162	381	1	international	international	ADJ
esutjss-162	381	2	journal	journal	PROPN
esutjss-162	381	3	of	of	ADP
esutjss-162	381	4	innovation	innovation	NOUN
esutjss-162	381	5	science	science	NOUN
esutjss-162	381	6	,	,	PUNCT
esutjss-162	381	7	12(1	12(1	NUM
esutjss-162	381	8	)	)	PUNCT
esutjss-162	381	9	,	,	PUNCT
esutjss-162	381	10	52	52	NUM
esutjss-162	381	11	-	-	SYM
esutjss-162	381	12	79	79	NUM
esutjss-162	381	13	.	.	PUNCT
esutjss-162	382	1	international	international	ADJ
esutjss-162	382	2	finance	finance	NOUN
esutjss-162	382	3	corporation	corporation	NOUN
esutjss-162	382	4	(	(	PUNCT
esutjss-162	382	5	2020	2020	NUM
esutjss-162	382	6	)	)	PUNCT
esutjss-162	382	7	.	.	PUNCT
esutjss-162	383	1	the	the	DET
esutjss-162	383	2	impact	impact	NOUN
esutjss-162	383	3	of	of	ADP
esutjss-162	383	4	covid-19	covid-19	PROPN
esutjss-162	383	5	on	on	ADP
esutjss-162	383	6	disruptive	disruptive	ADJ
esutjss-162	383	7	technology	technology	NOUN
esutjss-162	383	8	adoption	adoption	NOUN
esutjss-162	383	9	in	in	ADP
esutjss-162	383	10	emerging	emerge	VERB
esutjss-162	383	11	markets	market	NOUN
esutjss-162	383	12	.	.	PUNCT
esutjss-162	384	1	culled	cull	VERB
esutjss-162	384	2	from	from	ADP
esutjss-162	384	3	:	:	PUNCT
esutjss-162	384	4	https://www.ifc.org/wps/wcm/connect/537b9b66-a35c-40cf-bed8	https://www.ifc.org/wps/wcm/connect/537b9b66-a35c-40cf-bed8	PROPN
esutjss-162	384	5	6f618c4f63d8/202009	6f618c4f63d8/202009	NUM
esutjss-162	384	6	-	-	PUNCT
esutjss-162	384	7	covid-19	covid-19	PROPN
esutjss-162	384	8	-	-	PUNCT
esutjss-162	384	9	impact	impact	NOUN
esutjss-162	384	10	-	-	PUNCT
esutjss-162	384	11	disruptive	disruptive	ADJ
esutjss-162	384	12	-	-	PUNCT
esutjss-162	384	13	techhttps://www.dnv.com	techhttps://www.dnv.com	NOUN
esutjss-162	384	14	/	/	SYM
esutjss-162	384	15	feature	feature	NOUN
esutjss-162	384	16	/	/	SYM
esutjss-162	384	17	technology	technology	NOUN
esutjss-162	384	18	-	-	PUNCT
esutjss-162	384	19	in	in	ADP
esutjss-162	384	20	-	-	PUNCT
esutjss-162	384	21	a	a	DET
esutjss-162	384	22	-	-	PUNCT
esutjss-162	384	23	world	world	NOUN
esutjss-162	384	24	-	-	PUNCT
esutjss-162	384	25	shaped	shape	VERB
esutjss-162	384	26	-	-	PUNCT
esutjss-162	384	27	by	by	ADP
esutjss-162	384	28	-	-	PUNCT
esutjss-162	384	29	covid-19.html	covid-19.html	NOUN
esutjss-162	384	30	https://www.eurofound.europa.eu/publications/article/2020/coronavirus-highlights-sick-pay-void-for-platform-workers	https://www.eurofound.europa.eu/publications/article/2020/coronavirus-highlights-sick-pay-void-for-platform-worker	NOUN
esutjss-162	384	31	https://www.eurofound.europa.eu/publications/article/2020/coronavirus-highlights-sick-pay-void-for-platform-workers	https://www.eurofound.europa.eu/publications/article/2020/coronavirus-highlights-sick-pay-void-for-platform-workers	AUX
esutjss-162	384	32	https://www.eurofound.europa.eu/data/platform-economy/dossiers/developments-in-the-covid-19-crisis	https://www.eurofound.europa.eu/data/platform-economy/dossiers/developments-in-the-covid-19-crisis	PROPN
esutjss-162	384	33	https://www.eurofound.europa.eu/data/platform-economy/dossiers/developments-in-the-covid-19-crisis	https://www.eurofound.europa.eu/data/platform-economy/dossiers/developments-in-the-covid-19-crisis	PROPN
esutjss-162	384	34	https://www.ifc.org/wps/wcm/connect/537b9b66-a35c-40cf-bed8%206f618c4f63d8/202009-covid-19-impact-disruptive-tech-em.pdf?mod=ajperes&cvid=njn5xg9	https://www.ifc.org/wps/wcm/connect/537b9b66-a35c-40cf-bed8%206f618c4f63d8/202009-covid-19-impact-disruptive-tech-em.pdf?mod=ajperes&cvid=njn5xg9	ADJ
esutjss-162	384	35	https://www.ifc.org/wps/wcm/connect/537b9b66-a35c-40cf-bed8%206f618c4f63d8/202009-covid-19-impact-disruptive-tech-em.pdf?mod=ajperes&cvid=njn5xg9	https://www.ifc.org/wps/wcm/connect/537b9b66-a35c-40cf-bed8%206f618c4f63d8/202009-covid-19-impact-disruptive-tech-em.pdf?mod=ajperes&cvid=njn5xg9	ADJ
esutjss-162	384	36	104	104	NUM
esutjss-162	384	37	em.pdf?mod=ajperes&cvid=njn5xg9	em.pdf?mod=ajperes&cvid=njn5xg9	ADJ
esutjss-162	384	38	washington	washington	PROPN
esutjss-162	384	39	,	,	PUNCT
esutjss-162	384	40	dc	dc	PROPN
esutjss-162	384	41	,	,	PUNCT
esutjss-162	384	42	accessed	access	VERB
esutjss-162	384	43	on	on	ADP
esutjss-162	384	44	18	18	NUM
esutjss-162	384	45	november	november	PROPN
esutjss-162	384	46	,	,	PUNCT
esutjss-162	384	47	2022	2022	NUM
esutjss-162	384	48	.	.	PUNCT
esutjss-162	385	1	kenney	kenney	PROPN
esutjss-162	385	2	,	,	PUNCT
esutjss-162	385	3	m.	m.	NOUN
esutjss-162	385	4	,	,	PUNCT
esutjss-162	385	5	rouvinen	rouvinen	NOUN
esutjss-162	385	6	,	,	PUNCT
esutjss-162	385	7	p.	p.	NOUN
esutjss-162	385	8	,	,	PUNCT
esutjss-162	385	9	&	&	CCONJ
esutjss-162	385	10	zysman	zysman	PROPN
esutjss-162	385	11	,	,	PUNCT
esutjss-162	385	12	j.	j.	PROPN
esutjss-162	385	13	(	(	PUNCT
esutjss-162	385	14	2015	2015	NUM
esutjss-162	385	15	)	)	PUNCT
esutjss-162	385	16	.	.	PUNCT
esutjss-162	386	1	the	the	DET
esutjss-162	386	2	digital	digital	ADJ
esutjss-162	386	3	disruption	disruption	NOUN
esutjss-162	386	4	and	and	CCONJ
esutjss-162	386	5	its	its	PRON
esutjss-162	386	6	societal	societal	ADJ
esutjss-162	386	7	impacts	impact	NOUN
esutjss-162	386	8	.	.	PUNCT
esutjss-162	387	1	journal	journal	NOUN
esutjss-162	387	2	of	of	ADP
esutjss-162	387	3	industry	industry	NOUN
esutjss-162	387	4	,	,	PUNCT
esutjss-162	387	5	competition	competition	NOUN
esutjss-162	387	6	and	and	CCONJ
esutjss-162	387	7	trade	trade	NOUN
esutjss-162	387	8	,	,	PUNCT
esutjss-162	387	9	15(1	15(1	NUM
esutjss-162	387	10	)	)	PUNCT
esutjss-162	387	11	,	,	PUNCT
esutjss-162	388	1	p.	p.	NOUN
esutjss-162	388	2	1	1	NUM
esutjss-162	388	3	-	-	SYM
esutjss-162	388	4	4	4	NUM
esutjss-162	388	5	.	.	PUNCT
esutjss-162	389	1	khan	khan	PROPN
esutjss-162	389	2	,	,	PUNCT
esutjss-162	389	3	a.	a.	PROPN
esutjss-162	389	4	z.	z.	PROPN
esutjss-162	389	5	,	,	PUNCT
esutjss-162	389	6	&	&	CCONJ
esutjss-162	389	7	bokhari	bokhari	PROPN
esutjss-162	389	8	,	,	PUNCT
esutjss-162	389	9	r.	r.	PROPN
esutjss-162	389	10	h.	h.	PROPN
esutjss-162	389	11	(	(	PUNCT
esutjss-162	389	12	2018	2018	NUM
esutjss-162	389	13	)	)	PUNCT
esutjss-162	389	14	.	.	PUNCT
esutjss-162	390	1	understanding	understand	VERB
esutjss-162	390	2	ict	ict	PROPN
esutjss-162	390	3	enabled	enable	VERB
esutjss-162	390	4	organizational	organizational	ADJ
esutjss-162	390	5	transformation	transformation	NOUN
esutjss-162	390	6	.	.	PUNCT
esutjss-162	391	1	abasyn	abasyn	NOUN
esutjss-162	391	2	university	university	PROPN
esutjss-162	391	3	journal	journal	NOUN
esutjss-162	391	4	of	of	ADP
esutjss-162	391	5	social	social	ADJ
esutjss-162	391	6	sciences	science	NOUN
esutjss-162	391	7	,	,	PUNCT
esutjss-162	391	8	11(1	11(1	NUM
esutjss-162	391	9	)	)	PUNCT
esutjss-162	391	10	.	.	PUNCT
esutjss-162	392	1	mahmood	mahmood	PROPN
esutjss-162	392	2	,	,	PUNCT
esutjss-162	392	3	f.	f.	PROPN
esutjss-162	392	4	,	,	PUNCT
esutjss-162	392	5	khan	khan	PROPN
esutjss-162	392	6	,	,	PUNCT
esutjss-162	392	7	a.	a.	PROPN
esutjss-162	392	8	z.	z.	PROPN
esutjss-162	392	9	,	,	PUNCT
esutjss-162	392	10	&	&	CCONJ
esutjss-162	392	11	bokhari	bokhari	PROPN
esutjss-162	392	12	,	,	PUNCT
esutjss-162	392	13	r.	r.	PROPN
esutjss-162	392	14	h.	h.	PROPN
esutjss-162	392	15	(	(	PUNCT
esutjss-162	392	16	2019	2019	NUM
esutjss-162	392	17	)	)	PUNCT
esutjss-162	392	18	.	.	PUNCT
esutjss-162	393	1	erp	erp	PROPN
esutjss-162	393	2	issues	issue	NOUN
esutjss-162	393	3	and	and	CCONJ
esutjss-162	393	4	challenges	challenge	NOUN
esutjss-162	393	5	:	:	PUNCT
esutjss-162	393	6	a	a	DET
esutjss-162	393	7	research	research	NOUN
esutjss-162	393	8	synthesis	synthesis	NOUN
esutjss-162	393	9	.	.	PUNCT
esutjss-162	394	1	kybernetes	kybernete	NOUN
esutjss-162	394	2	,	,	PUNCT
esutjss-162	394	3	ahead	ahead	ADV
esutjss-162	394	4	-	-	PUNCT
esutjss-162	394	5	of	of	ADP
esutjss-162	394	6	-	-	PUNCT
esutjss-162	394	7	print	print	NOUN
esutjss-162	394	8	(	(	PUNCT
esutjss-162	394	9	ahead	ahead	ADV
esutjss-162	394	10	-	-	PUNCT
esutjss-162	394	11	of	of	ADP
esutjss-162	394	12	-	-	PUNCT
esutjss-162	394	13	print	print	NOUN
esutjss-162	394	14	)	)	PUNCT
esutjss-162	394	15	.	.	PUNCT
esutjss-162	395	1	mazzone	mazzone	NOUN
esutjss-162	395	2	,	,	PUNCT
esutjss-162	395	3	dm	dm	PROPN
esutjss-162	395	4	(	(	PUNCT
esutjss-162	395	5	2014	2014	NUM
esutjss-162	395	6	)	)	PUNCT
esutjss-162	395	7	.	.	PUNCT
esutjss-162	396	1	digital	digital	PROPN
esutjss-162	396	2	or	or	CCONJ
esutjss-162	396	3	death	death	NOUN
esutjss-162	396	4	:	:	PUNCT
esutjss-162	396	5	digital	digital	ADJ
esutjss-162	396	6	transformation	transformation	NOUN
esutjss-162	396	7	—	—	PUNCT
esutjss-162	396	8	the	the	DET
esutjss-162	396	9	only	only	ADJ
esutjss-162	396	10	choice	choice	NOUN
esutjss-162	396	11	for	for	ADP
esutjss-162	396	12	business	business	NOUN
esutjss-162	396	13	to	to	PART
esutjss-162	396	14	survive	survive	VERB
esutjss-162	396	15	smash	smash	VERB
esutjss-162	396	16	and	and	CCONJ
esutjss-162	396	17	conquer	conquer	VERB
esutjss-162	396	18	(	(	PUNCT
esutjss-162	396	19	1st	1st	ADJ
esutjss-162	396	20	ed	ed	NOUN
esutjss-162	396	21	.	.	PUNCT
esutjss-162	396	22	)	)	PUNCT
esutjss-162	396	23	.	.	PUNCT
esutjss-162	397	1	mississauga	mississauga	PROPN
esutjss-162	397	2	,	,	PUNCT
esutjss-162	397	3	ontario	ontario	PROPN
esutjss-162	397	4	:	:	PUNCT
esutjss-162	397	5	smash	smash	VERB
esutjss-162	397	6	box	box	PROPN
esutjss-162	397	7	consulting	consulting	PROPN
esutjss-162	397	8	inc	inc	PROPN
esutjss-162	397	9	.	.	PROPN
esutjss-162	397	10	mckinsey	mckinsey	PROPN
esutjss-162	397	11	&	&	CCONJ
esutjss-162	397	12	company	company	PROPN
esutjss-162	397	13	(	(	PUNCT
esutjss-162	397	14	2020	2020	NUM
esutjss-162	397	15	)	)	PUNCT
esutjss-162	397	16	.	.	PUNCT
esutjss-162	398	1	how	how	SCONJ
esutjss-162	398	2	covid-19	covid-19	PROPN
esutjss-162	398	3	has	have	AUX
esutjss-162	398	4	pushed	push	VERB
esutjss-162	398	5	companies	company	NOUN
esutjss-162	398	6	over	over	ADP
esutjss-162	398	7	the	the	DET
esutjss-162	398	8	technology	technology	NOUN
esutjss-162	398	9	tipping	tipping	NOUN
esutjss-162	398	10	point	point	NOUN
esutjss-162	398	11	—	—	PUNCT
esutjss-162	398	12	and	and	CCONJ
esutjss-162	398	13	transformed	transform	VERB
esutjss-162	398	14	business	business	NOUN
esutjss-162	398	15	forever	forever	ADV
esutjss-162	398	16	.	.	PUNCT
esutjss-162	399	1	mckinsey	mckinsey	NOUN
esutjss-162	399	2	&	&	CCONJ
esutjss-162	399	3	company	company	NOUN
esutjss-162	399	4	.	.	PUNCT
esutjss-162	400	1	[	[	X
esutjss-162	400	2	online	online	X
esutjss-162	400	3	]	]	X
esutjss-162	400	4	october	october	PROPN
esutjss-162	400	5	5	5	NUM
esutjss-162	400	6	.	.	PUNCT
esutjss-162	400	7	https://www.mckinsey.com/businessfunctions/strategy-and-corporatefinance/our-insights/how-covid-19-has-pushedcompanies-over-the-technologytipping-point-and-transformed-business-forever	https://www.mckinsey.com/businessfunctions/strategy-and-corporatefinance/our-insights/how-covid-19-has-pushedcompanies-over-the-technologytipping-point-and-transformed-business-forever	PROPN
esutjss-162	400	8	accessed	access	VERB
esutjss-162	400	9	on21st	on21st	PROPN
esutjss-162	400	10	december	december	PROPN
esutjss-162	400	11	,	,	PUNCT
esutjss-162	400	12	2022	2022	NUM
esutjss-162	400	13	oestreicher	oestreicher	NOUN
esutjss-162	400	14	-	-	PUNCT
esutjss-162	400	15	singer	singer	NOUN
esutjss-162	400	16	g	g	NOUN
esutjss-162	400	17	,	,	PUNCT
esutjss-162	400	18	zalmanson	zalmanson	PROPN
esutjss-162	400	19	l	l	PROPN
esutjss-162	400	20	(	(	PUNCT
esutjss-162	400	21	2013	2013	NUM
esutjss-162	400	22	)	)	PUNCT
esutjss-162	400	23	.	.	PUNCT
esutjss-162	401	1	content	content	NOUN
esutjss-162	401	2	or	or	CCONJ
esutjss-162	401	3	community	community	NOUN
esutjss-162	401	4	?	?	PUNCT
esutjss-162	402	1	a	a	DET
esutjss-162	402	2	digital	digital	ADJ
esutjss-162	402	3	business	business	NOUN
esutjss-162	402	4	strategy	strategy	NOUN
esutjss-162	402	5	for	for	ADP
esutjss-162	402	6	content	content	NOUN
esutjss-162	402	7	providers	provider	NOUN
esutjss-162	402	8	in	in	ADP
esutjss-162	402	9	the	the	DET
esutjss-162	402	10	social	social	ADJ
esutjss-162	402	11	age	age	NOUN
esutjss-162	402	12	.	.	PUNCT
esutjss-162	403	1	mis	mis	PROPN
esutjss-162	403	2	q	q	PROPN
esutjss-162	403	3	37(2):591–616	37(2):591–616	PROPN
esutjss-162	403	4	.	.	PUNCT
esutjss-162	404	1	peter	peter	PROPN
esutjss-162	404	2	,	,	PUNCT
esutjss-162	404	3	m.	m.	PROPN
esutjss-162	404	4	k.	k.	PROPN
esutjss-162	404	5	,	,	PUNCT
esutjss-162	404	6	kraft	kraft	PROPN
esutjss-162	404	7	,	,	PUNCT
esutjss-162	404	8	c.	c.	PROPN
esutjss-162	404	9	,	,	PUNCT
esutjss-162	404	10	&	&	CCONJ
esutjss-162	404	11	lindeque	lindeque	PROPN
esutjss-162	404	12	,	,	PUNCT
esutjss-162	404	13	j.	j.	PROPN
esutjss-162	404	14	(	(	PUNCT
esutjss-162	404	15	2020	2020	NUM
esutjss-162	404	16	)	)	PUNCT
esutjss-162	404	17	.	.	PUNCT
esutjss-162	405	1	strategic	strategic	ADJ
esutjss-162	405	2	action	action	NOUN
esutjss-162	405	3	fields	field	NOUN
esutjss-162	405	4	of	of	ADP
esutjss-162	405	5	digital	digital	ADJ
esutjss-162	405	6	transformation	transformation	NOUN
esutjss-162	405	7	:	:	PUNCT
esutjss-162	405	8	an	an	DET
esutjss-162	405	9	exploration	exploration	NOUN
esutjss-162	405	10	of	of	ADP
esutjss-162	405	11	the	the	DET
esutjss-162	405	12	strategic	strategic	ADJ
esutjss-162	405	13	action	action	NOUN
esutjss-162	405	14	fields	field	NOUN
esutjss-162	405	15	of	of	ADP
esutjss-162	405	16	swiss	swiss	ADJ
esutjss-162	405	17	smes	sme	NOUN
esutjss-162	405	18	and	and	CCONJ
esutjss-162	405	19	large	large	ADJ
esutjss-162	405	20	enterprises	enterprise	NOUN
esutjss-162	405	21	.	.	PUNCT
esutjss-162	406	1	journal	journal	NOUN
esutjss-162	406	2	of	of	ADP
esutjss-162	406	3	strategy	strategy	NOUN
esutjss-162	406	4	and	and	CCONJ
esutjss-162	406	5	management	management	NOUN
esutjss-162	406	6	,	,	PUNCT
esutjss-162	406	7	13(1	13(1	NUM
esutjss-162	406	8	)	)	PUNCT
esutjss-162	406	9	,	,	PUNCT
esutjss-162	406	10	160	160	NUM
esutjss-162	406	11	-	-	SYM
esutjss-162	406	12	180	180	NUM
esutjss-162	406	13	peteraf	peteraf	NOUN
esutjss-162	406	14	,	,	PUNCT
esutjss-162	406	15	m.	m.	NOUN
esutjss-162	406	16	,	,	PUNCT
esutjss-162	406	17	di	di	PROPN
esutjss-162	406	18	stefano	stefano	PROPN
esutjss-162	406	19	,	,	PUNCT
esutjss-162	406	20	g.	g.	PROPN
esutjss-162	406	21	,	,	PUNCT
esutjss-162	406	22	&	&	CCONJ
esutjss-162	406	23	verona	verona	PROPN
esutjss-162	406	24	,	,	PUNCT
esutjss-162	406	25	g.	g.	PROPN
esutjss-162	406	26	,	,	PUNCT
esutjss-162	406	27	(	(	PUNCT
esutjss-162	406	28	2013	2013	NUM
esutjss-162	406	29	)	)	PUNCT
esutjss-162	406	30	.	.	PUNCT
esutjss-162	407	1	the	the	DET
esutjss-162	407	2	elephant	elephant	NOUN
esutjss-162	407	3	in	in	ADP
esutjss-162	407	4	the	the	DET
esutjss-162	407	5	room	room	NOUN
esutjss-162	407	6	of	of	ADP
esutjss-162	407	7	dynamic	dynamic	ADJ
esutjss-162	407	8	capabilities	capability	NOUN
esutjss-162	407	9	:	:	PUNCT
esutjss-162	407	10	bringing	bring	VERB
esutjss-162	407	11	two	two	NUM
esutjss-162	407	12	diverging	diverge	VERB
esutjss-162	407	13	conversations	conversation	NOUN
esutjss-162	407	14	together	together	ADV
esutjss-162	407	15	.	.	PUNCT
esutjss-162	408	1	strategic	strategic	ADJ
esutjss-162	408	2	management	management	NOUN
esutjss-162	408	3	journal	journal	NOUN
esutjss-162	408	4	,	,	PUNCT
esutjss-162	408	5	34(12	34(12	NUM
esutjss-162	408	6	)	)	PUNCT
esutjss-162	408	7	,	,	PUNCT
esutjss-162	408	8	1389–1410	1389–1410	NUM
esutjss-162	408	9	.	.	PUNCT
esutjss-162	409	1	ricardo	ricardo	PROPN
esutjss-162	409	2	r.c	r.c	PROPN
esutjss-162	409	3	(	(	PUNCT
esutjss-162	409	4	2021	2021	NUM
esutjss-162	409	5	)	)	PUNCT
esutjss-162	409	6	.	.	PUNCT
esutjss-162	410	1	covid-19	covid-19	PROPN
esutjss-162	410	2	and	and	CCONJ
esutjss-162	410	3	digitalization	digitalization	NOUN
esutjss-162	410	4	.	.	PUNCT
esutjss-162	411	1	retrieved	retrieve	VERB
esutjss-162	411	2	from	from	ADP
esutjss-162	411	3	https://www.eurofound.europa.eu/data/digitalisation/research-digests/covid-19-anddigitalisation	https://www.eurofound.europa.eu/data/digitalisation/research-digests/covid-19-anddigitalisation	NOUN
esutjss-162	411	4	schallmo	schallmo	NOUN
esutjss-162	411	5	,	,	PUNCT
esutjss-162	411	6	d.	d.	PROPN
esutjss-162	411	7	,	,	PUNCT
esutjss-162	411	8	williams	williams	PROPN
esutjss-162	411	9	,	,	PUNCT
esutjss-162	411	10	c.	c.	PROPN
esutjss-162	411	11	a.	a.	PROPN
esutjss-162	411	12	,	,	PUNCT
esutjss-162	411	13	&	&	CCONJ
esutjss-162	411	14	boardman	boardman	PROPN
esutjss-162	411	15	,	,	PUNCT
esutjss-162	411	16	l.	l.	PROPN
esutjss-162	411	17	(	(	PUNCT
esutjss-162	411	18	2017	2017	NUM
esutjss-162	411	19	)	)	PUNCT
esutjss-162	411	20	.	.	PUNCT
esutjss-162	412	1	digital	digital	ADJ
esutjss-162	412	2	transformation	transformation	NOUN
esutjss-162	412	3	of	of	ADP
esutjss-162	412	4	business	business	NOUN
esutjss-162	412	5	models	model	NOUN
esutjss-162	412	6	best	good	ADJ
esutjss-162	412	7	practice	practice	NOUN
esutjss-162	412	8	,	,	PUNCT
esutjss-162	412	9	enablers	enabler	NOUN
esutjss-162	412	10	and	and	CCONJ
esutjss-162	412	11	roadmap	roadmap	NOUN
esutjss-162	412	12	.	.	PUNCT
esutjss-162	413	1	international	international	ADJ
esutjss-162	413	2	journal	journal	PROPN
esutjss-162	413	3	of	of	ADP
esutjss-162	413	4	innovation	innovation	NOUN
esutjss-162	413	5	management	management	NOUN
esutjss-162	413	6	.	.	PUNCT
esutjss-162	414	1	vol	vol	NOUN
esutjss-162	414	2	.	.	PUNCT
esutjss-162	415	1	21(1	21(1	NUM
esutjss-162	415	2	):	):	PUNCT
esutjss-162	415	3	1740014	1740014	NUM
esutjss-162	415	4	.	.	PUNCT
esutjss-162	416	1	doi	doi	NOUN
esutjss-162	416	2	:	:	PUNCT
esutjss-162	416	3	10.1142	10.1142	NUM
esutjss-162	416	4	/	/	SYM
esutjss-162	416	5	s136391961740014x	s136391961740014x	PROPN
esutjss-162	416	6	stackpole	stackpole	PROPN
esutjss-162	416	7	,	,	PUNCT
esutjss-162	416	8	d.	d.	PROPN
esutjss-162	416	9	(	(	PUNCT
esutjss-162	416	10	2021	2021	NUM
esutjss-162	416	11	)	)	PUNCT
esutjss-162	416	12	.	.	PUNCT
esutjss-162	417	1	‘	'	PUNCT
esutjss-162	417	2	higher	high	ADJ
esutjss-162	417	3	education	education	NOUN
esutjss-162	417	4	:	:	PUNCT
esutjss-162	417	5	can	can	AUX
esutjss-162	417	6	debt	debt	NOUN
esutjss-162	417	7	beat	beat	VERB
esutjss-162	417	8	savings	saving	NOUN
esutjss-162	417	9	?	?	PUNCT
esutjss-162	417	10	’	'	PUNCT
esutjss-162	417	11	journal	journal	NOUN
esutjss-162	417	12	of	of	ADP
esutjss-162	417	13	student	student	NOUN
esutjss-162	417	14	financial	financial	ADJ
esutjss-162	417	15	aid	aid	NOUN
esutjss-162	417	16	.	.	PUNCT
esutjss-162	418	1	50(2	50(2	X
esutjss-162	418	2	)	)	PUNCT
esutjss-162	418	3	,	,	PUNCT
esutjss-162	418	4	article	article	NOUN
esutjss-162	418	5	1	1	NUM
esutjss-162	418	6	.	.	PUNCT
esutjss-162	419	1	doi	doi	NOUN
esutjss-162	419	2	:	:	PUNCT
esutjss-162	419	3	https://doi.org/10.55504/0884-9153.1701	https://doi.org/10.55504/0884-9153.1701	X
esutjss-162	419	4	https://www.ifc.org/wps/wcm/connect/537b9b66-a35c-40cf-bed8%206f618c4f63d8/202009-covid-19-impact-disruptive-tech-em.pdf?mod=ajperes&cvid=njn5xg9	https://www.ifc.org/wps/wcm/connect/537b9b66-a35c-40cf-bed8%206f618c4f63d8/202009-covid-19-impact-disruptive-tech-em.pdf?mod=ajperes&cvid=njn5xg9	ADJ
esutjss-162	419	5	https://www.mckinsey.com/businessfunctions/strategy-and-corporate-finance/our-insights/how-covid-19-has-pushedcompanies-over-the-technology-tipping-point-and-transformed-business-forever	https://www.mckinsey.com/businessfunctions/strategy-and-corporate-finance/our-insights/how-covid-19-has-pushedcompanies-over-the-technology-tipping-point-and-transformed-business-forever	NOUN
esutjss-162	419	6	https://www.mckinsey.com/businessfunctions/strategy-and-corporate-finance/our-insights/how-covid-19-has-pushedcompanies-over-the-technology-tipping-point-and-transformed-business-forever	https://www.mckinsey.com/businessfunctions/strategy-and-corporate-finance/our-insights/how-covid-19-has-pushedcompanies-over-the-technology-tipping-point-and-transformed-business-forever	NOUN
esutjss-162	419	7	https://www.mckinsey.com/businessfunctions/strategy-and-corporate-finance/our-insights/how-covid-19-has-pushedcompanies-over-the-technology-tipping-point-and-transformed-business-forever	https://www.mckinsey.com/businessfunctions/strategy-and-corporate-finance/our-insights/how-covid-19-has-pushedcompanies-over-the-technology-tipping-point-and-transformed-business-forever	NOUN
esutjss-162	419	8	https://www.eurofound.europa.eu/data/digitalisation/research-digests/covid-19-and-digitalisation	https://www.eurofound.europa.eu/data/digitalisation/research-digests/covid-19-and-digitalisation	NOUN
esutjss-162	419	9	https://www.eurofound.europa.eu/data/digitalisation/research-digests/covid-19-and-digitalisation	https://www.eurofound.europa.eu/data/digitalisation/research-digests/covid-19-and-digitalisation	NOUN
esutjss-162	419	10	https://doi.org/10.55504/0884-9153.1701	https://doi.org/10.55504/0884-9153.1701	NOUN
esutjss-162	419	11	105	105	NUM
esutjss-162	419	12	teece	teece	PROPN
esutjss-162	419	13	,	,	PUNCT
esutjss-162	419	14	d.j	d.j	PROPN
esutjss-162	419	15	.	.	PROPN
esutjss-162	419	16	,	,	PUNCT
esutjss-162	419	17	pisano	pisano	PROPN
esutjss-162	419	18	,	,	PUNCT
esutjss-162	419	19	g.	g.	PROPN
esutjss-162	419	20	,	,	PUNCT
esutjss-162	419	21	shuen	shuen	ADJ
esutjss-162	419	22	,	,	PUNCT
esutjss-162	419	23	a.	a.	NOUN
esutjss-162	419	24	,	,	PUNCT
esutjss-162	419	25	(	(	PUNCT
esutjss-162	419	26	1997	1997	NUM
esutjss-162	419	27	)	)	PUNCT
esutjss-162	419	28	.	.	PUNCT
esutjss-162	420	1	dynamic	dynamic	ADJ
esutjss-162	420	2	capabilities	capability	NOUN
esutjss-162	420	3	and	and	CCONJ
esutjss-162	420	4	strategic	strategic	ADJ
esutjss-162	420	5	management	management	NOUN
esutjss-162	420	6	.	.	PUNCT
esutjss-162	421	1	strategic	strategic	ADJ
esutjss-162	421	2	management	management	NOUN
esutjss-162	421	3	journal	journal	NOUN
esutjss-162	421	4	,	,	PUNCT
esutjss-162	421	5	18(7	18(7	NUM
esutjss-162	421	6	)	)	PUNCT
esutjss-162	421	7	,	,	PUNCT
esutjss-162	421	8	509–533.tergesen	509–533.tergesen	NUM
esutjss-162	421	9	,	,	PUNCT
esutjss-162	421	10	2008	2008	NUM
esutjss-162	421	11	.	.	PUNCT
esutjss-162	422	1	teece	teece	PROPN
esutjss-162	422	2	,	,	PUNCT
esutjss-162	422	3	d.j	d.j	PROPN
esutjss-162	422	4	.	.	PROPN
esutjss-162	422	5	,	,	PUNCT
esutjss-162	422	6	(	(	PUNCT
esutjss-162	422	7	2007	2007	NUM
esutjss-162	422	8	)	)	PUNCT
esutjss-162	422	9	.	.	PUNCT
esutjss-162	423	1	explicating	explicate	VERB
esutjss-162	423	2	dynamic	dynamic	ADJ
esutjss-162	423	3	capabilities	capability	NOUN
esutjss-162	423	4	:	:	PUNCT
esutjss-162	423	5	the	the	DET
esutjss-162	423	6	nature	nature	NOUN
esutjss-162	423	7	and	and	CCONJ
esutjss-162	423	8	micro	micro	ADJ
esutjss-162	423	9	foundations	foundation	NOUN
esutjss-162	423	10	of	of	ADP
esutjss-162	423	11	(	(	PUNCT
esutjss-162	423	12	sustainable	sustainable	ADJ
esutjss-162	423	13	)	)	PUNCT
esutjss-162	423	14	enterprise	enterprise	NOUN
esutjss-162	423	15	performance	performance	NOUN
esutjss-162	423	16	.	.	PUNCT
esutjss-162	424	1	strategic	strategic	ADJ
esutjss-162	424	2	management	management	NOUN
esutjss-162	424	3	journal	journal	NOUN
esutjss-162	424	4	,	,	PUNCT
esutjss-162	424	5	28(13	28(13	NUM
esutjss-162	424	6	)	)	PUNCT
esutjss-162	424	7	,	,	PUNCT
esutjss-162	424	8	1319	1319	NUM
esutjss-162	424	9	–	–	PUNCT
esutjss-162	424	10	1350	1350	NUM
esutjss-162	424	11	.	.	PUNCT
esutjss-162	425	1	teece	teece	PROPN
esutjss-162	425	2	,	,	PUNCT
esutjss-162	425	3	d.j	d.j	PROPN
esutjss-162	425	4	.	.	PROPN
esutjss-162	425	5	,	,	PUNCT
esutjss-162	425	6	(	(	PUNCT
esutjss-162	425	7	2014	2014	NUM
esutjss-162	425	8	)	)	PUNCT
esutjss-162	425	9	.	.	PUNCT
esutjss-162	426	1	the	the	DET
esutjss-162	426	2	foundations	foundation	NOUN
esutjss-162	426	3	of	of	ADP
esutjss-162	426	4	enterprise	enterprise	NOUN
esutjss-162	426	5	performance	performance	NOUN
esutjss-162	426	6	:	:	PUNCT
esutjss-162	426	7	dynamic	dynamic	ADJ
esutjss-162	426	8	and	and	CCONJ
esutjss-162	426	9	ordinary	ordinary	ADJ
esutjss-162	426	10	capabilities	capability	NOUN
esutjss-162	426	11	in	in	ADP
esutjss-162	426	12	an	an	DET
esutjss-162	426	13	(	(	PUNCT
esutjss-162	426	14	economic	economic	ADJ
esutjss-162	426	15	)	)	PUNCT
esutjss-162	426	16	theory	theory	NOUN
esutjss-162	426	17	of	of	ADP
esutjss-162	426	18	firms	firm	NOUN
esutjss-162	426	19	.	.	PUNCT
esutjss-162	427	1	acad	acad	PROPN
esutjss-162	427	2	.	.	PUNCT
esutjss-162	428	1	manage	manage	VERB
esutjss-162	428	2	.	.	PUNCT
esutjss-162	429	1	perspect	perspect	NOUN
esutjss-162	429	2	.	.	PUNCT
esutjss-162	430	1	24	24	NUM
esutjss-162	430	2	(	(	PUNCT
esutjss-162	430	3	4	4	NUM
esutjss-162	430	4	)	)	PUNCT
esutjss-162	430	5	,	,	PUNCT
esutjss-162	430	6	328	328	NUM
esutjss-162	430	7	–	–	PUNCT
esutjss-162	430	8	352	352	NUM
esutjss-162	430	9	.	.	PUNCT
esutjss-162	430	10	teubner	teubner	PROPN
esutjss-162	430	11	ra	ra	PROPN
esutjss-162	430	12	(	(	PUNCT
esutjss-162	430	13	2013	2013	NUM
esutjss-162	430	14	)	)	PUNCT
esutjss-162	430	15	.	.	PUNCT
esutjss-162	431	1	information	information	NOUN
esutjss-162	431	2	systems	system	NOUN
esutjss-162	431	3	strategy	strategy	NOUN
esutjss-162	431	4	.	.	PUNCT
esutjss-162	432	1	bus	bus	NOUN
esutjss-162	432	2	infsysteng	infsysteng	PROPN
esutjss-162	432	3	5(4):243–257	5(4):243–257	NUM
esutjss-162	432	4	vial	vial	NOUN
esutjss-162	432	5	,	,	PUNCT
esutjss-162	432	6	g.	g.	PROPN
esutjss-162	432	7	(	(	PUNCT
esutjss-162	432	8	2019	2019	NUM
esutjss-162	432	9	)	)	PUNCT
esutjss-162	432	10	.	.	PUNCT
esutjss-162	433	1	understanding	understand	VERB
esutjss-162	433	2	digital	digital	ADJ
esutjss-162	433	3	transformation	transformation	NOUN
esutjss-162	433	4	:	:	PUNCT
esutjss-162	433	5	a	a	DET
esutjss-162	433	6	review	review	NOUN
esutjss-162	433	7	and	and	CCONJ
esutjss-162	433	8	a	a	DET
esutjss-162	433	9	research	research	NOUN
esutjss-162	433	10	agenda	agenda	NOUN
esutjss-162	433	11	.	.	PUNCT
esutjss-162	434	1	journal	journal	NOUN
esutjss-162	434	2	of	of	ADP
esutjss-162	434	3	strategic	strategic	ADJ
esutjss-162	434	4	information	information	NOUN
esutjss-162	434	5	systems	system	NOUN
esutjss-162	434	6	,	,	PUNCT
esutjss-162	434	7	28(2	28(2	NUM
esutjss-162	434	8	)	)	PUNCT
esutjss-162	434	9	,	,	PUNCT
esutjss-162	434	10	118	118	NUM
esutjss-162	434	11	-	-	SYM
esutjss-162	434	12	144	144	NUM
esutjss-162	434	13	.	.	PUNCT
esutjss-162	435	1	world	world	PROPN
esutjss-162	435	2	economic	economic	PROPN
esutjss-162	435	3	forum	forum	PROPN
esutjss-162	435	4	,	,	PUNCT
esutjss-162	435	5	(	(	PUNCT
esutjss-162	435	6	2016	2016	NUM
esutjss-162	435	7	)	)	PUNCT
esutjss-162	435	8	.	.	PUNCT
esutjss-162	436	1	the	the	DET
esutjss-162	436	2	future	future	NOUN
esutjss-162	436	3	of	of	ADP
esutjss-162	436	4	jobs	job	NOUN
esutjss-162	436	5	employment	employment	NOUN
esutjss-162	436	6	,	,	PUNCT
esutjss-162	436	7	skills	skill	NOUN
esutjss-162	436	8	and	and	CCONJ
esutjss-162	436	9	workforce	workforce	NOUN
esutjss-162	436	10	strategy	strategy	NOUN
esutjss-162	436	11	for	for	ADP
esutjss-162	436	12	the	the	DET
esutjss-162	436	13	fourth	fourth	ADJ
esutjss-162	436	14	industrial	industrial	ADJ
esutjss-162	436	15	revolution	revolution	NOUN
esutjss-162	436	16	.	.	PUNCT
esutjss-162	437	1	available	available	ADJ
esutjss-162	437	2	at	at	ADP
esutjss-162	437	3	:	:	PUNCT
esutjss-162	437	4	www3.weforum.org/docs/wef_future_of_jobs.pdf	www3.weforum.org/docs/wef_future_of_jobs.pdf	PROPN
esutjss-162	437	5	world	world	PROPN
esutjss-162	437	6	economic	economic	PROPN
esutjss-162	437	7	forum	forum	PROPN
esutjss-162	437	8	,	,	PUNCT
esutjss-162	437	9	(	(	PUNCT
esutjss-162	437	10	2018	2018	NUM
esutjss-162	437	11	)	)	PUNCT
esutjss-162	437	12	.	.	PUNCT
esutjss-162	438	1	the	the	DET
esutjss-162	438	2	future	future	NOUN
esutjss-162	438	3	of	of	ADP
esutjss-162	438	4	jobs	job	NOUN
esutjss-162	438	5	report	report	VERB
esutjss-162	438	6	2018	2018	NUM
esutjss-162	438	7	.	.	PUNCT
esutjss-162	439	1	available	available	ADJ
esutjss-162	439	2	at	at	ADP
esutjss-162	439	3	www3.weforum.org/docs/wef_future_of_jobs_2018	www3.weforum.org/docs/wef_future_of_jobs_2018	X
esutjss-162	439	4	world	world	PROPN
esutjss-162	439	5	economic	economic	PROPN
esutjss-162	439	6	forum	forum	PROPN
esutjss-162	439	7	,	,	PUNCT
esutjss-162	439	8	(	(	PUNCT
esutjss-162	439	9	2019	2019	NUM
esutjss-162	439	10	)	)	PUNCT
esutjss-162	439	11	.	.	PUNCT
esutjss-162	440	1	strategies	strategy	NOUN
esutjss-162	440	2	for	for	ADP
esutjss-162	440	3	the	the	DET
esutjss-162	440	4	new	new	ADJ
esutjss-162	440	5	economy	economy	NOUN
esutjss-162	440	6	skills	skill	NOUN
esutjss-162	440	7	as	as	ADP
esutjss-162	440	8	the	the	DET
esutjss-162	440	9	currency	currency	NOUN
esutjss-162	440	10	of	of	ADP
esutjss-162	440	11	the	the	DET
esutjss-162	440	12	labour	labour	NOUN
esutjss-162	440	13	market	market	NOUN
esutjss-162	440	14	.	.	PUNCT
esutjss-162	441	1	available	available	ADJ
esutjss-162	441	2	at	at	ADP
esutjss-162	441	3	:	:	PUNCT
esutjss-162	441	4	www3.weforum.org/docs/wef_2019_strategies_for_the_new_economy_skills.pdf	www3.weforum.org/docs/wef_2019_strategies_for_the_new_economy_skills.pdf	PROPN
esutjss-162	441	5	yusuf	yusuf	PROPN
esutjss-162	441	6	,	,	PUNCT
esutjss-162	441	7	t.o	t.o	PROPN
esutjss-162	441	8	.	.	PROPN
esutjss-162	441	9	,	,	PUNCT
esutjss-162	441	10	ajemunigbohun	ajemunigbohun	PROPN
esutjss-162	441	11	,	,	PUNCT
esutjss-162	441	12	s.s	s.s	PROPN
esutjss-162	441	13	.	.	PROPN
esutjss-162	441	14	,	,	PUNCT
esutjss-162	441	15	&	&	CCONJ
esutjss-162	441	16	alli	alli	PROPN
esutjss-162	441	17	,	,	PUNCT
esutjss-162	441	18	n.g	n.g	PROPN
esutjss-162	441	19	(	(	PUNCT
esutjss-162	441	20	2017	2017	NUM
esutjss-162	441	21	)	)	PUNCT
esutjss-162	441	22	.	.	PUNCT
esutjss-162	442	1	a	a	DET
esutjss-162	442	2	critical	critical	ADJ
esutjss-162	442	3	review	review	NOUN
esutjss-162	442	4	of	of	ADP
esutjss-162	442	5	insurance	insurance	NOUN
esutjss-162	442	6	claims	claim	NOUN
esutjss-162	442	7	management	management	NOUN
esutjss-162	442	8	:	:	PUNCT
esutjss-162	442	9	a	a	DET
esutjss-162	442	10	study	study	NOUN
esutjss-162	442	11	of	of	ADP
esutjss-162	442	12	selected	select	VERB
esutjss-162	442	13	insurance	insurance	NOUN
esutjss-162	442	14	companies	company	NOUN
esutjss-162	442	15	in	in	ADP
esutjss-162	442	16	nigeria	nigeria	PROPN
esutjss-162	442	17	.	.	PUNCT
esutjss-162	443	1	spoudai	spoudai	PROPN
esutjss-162	443	2	-	-	PUNCT
esutjss-162	443	3	journal	journal	NOUN
esutjss-162	443	4	of	of	ADP
esutjss-162	443	5	economics	economic	NOUN
esutjss-162	443	6	and	and	CCONJ
esutjss-162	443	7	business	business	NOUN
esutjss-162	443	8	university	university	PROPN
esutjss-162	443	9	of	of	ADP
esutjss-162	443	10	piraeus	piraeus	NOUN
esutjss-162	443	11	,	,	PUNCT
esutjss-162	443	12	67(2	67(2	NUM
esutjss-162	443	13	)	)	PUNCT
esutjss-162	443	14	,	,	PUNCT
esutjss-162	443	15	69	69	NUM
esutjss-162	443	16	-	-	SYM
esutjss-162	443	17	84	84	NUM
esutjss-162	443	18	page	page	NOUN
esutjss-162	443	19	7	7	NUM