id	sid	tid	token	lemma	pos
esutjss-163	1	1	volume	volume	NOUN
esutjss-163	1	2	8	8	NUM
esutjss-163	1	3	number	number	NOUN
esutjss-163	1	4	1	1	NUM
esutjss-163	1	5	,	,	PUNCT
esutjss-163	1	6	2023	2023	NUM
esutjss-163	1	7	volume	volume	NOUN
esutjss-163	1	8	8	8	NUM
esutjss-163	1	9	number	number	NOUN
esutjss-163	1	10	1	1	NUM
esutjss-163	1	11	,	,	PUNCT
esutjss-163	1	12	2023	2023	NUM
esutjss-163	1	13	faculty	faculty	NOUN
esutjss-163	1	14	of	of	ADP
esutjss-163	1	15	social	social	ADJ
esutjss-163	1	16	sciences	science	NOUN
esutjss-163	1	17	,	,	PUNCT
esutjss-163	1	18	enugu	enugu	PROPN
esutjss-163	1	19	state	state	PROPN
esutjss-163	1	20	university	university	PROPN
esutjss-163	1	21	of	of	ADP
esutjss-163	1	22	science	science	NOUN
esutjss-163	1	23	and	and	CCONJ
esutjss-163	1	24	technology	technology	NOUN
esutjss-163	1	25	editor	editor	NOUN
esutjss-163	1	26	-	-	PUNCT
esutjss-163	1	27	in	in	ADP
esutjss-163	1	28	-	-	PUNCT
esutjss-163	1	29	chief	chief	NOUN
esutjss-163	1	30	prof	prof	NOUN
esutjss-163	1	31	.	.	PUNCT
esutjss-163	2	1	oby	oby	PROPN
esutjss-163	2	2	omeje	omeje	PROPN
esutjss-163	2	3	managing	managing	PROPN
esutjss-163	2	4	editor	editor	NOUN
esutjss-163	2	5	prof	prof	PROPN
esutjss-163	2	6	.	.	PUNCT
esutjss-163	3	1	barnabas	barnabas	PROPN
esutjss-163	3	2	nwankwo	nwankwo	PROPN
esutjss-163	3	3	published	publish	VERB
esutjss-163	3	4	by	by	ADP
esutjss-163	3	5	enugu	enugu	PROPN
esutjss-163	3	6	state	state	PROPN
esutjss-163	3	7	university	university	PROPN
esutjss-163	3	8	of	of	ADP
esutjss-163	3	9	science	science	PROPN
esutjss-163	3	10	&	&	CCONJ
esutjss-163	3	11	technology	technology	PROPN
esutjss-163	3	12	journal	journal	NOUN
esutjss-163	3	13	of	of	ADP
esutjss-163	3	14	social	social	PROPN
esutjss-163	3	15	sciences	sciences	PROPN
esutjss-163	3	16	&	&	CCONJ
esutjss-163	3	17	humanities	humanity	NOUN
esutjss-163	3	18	106	106	NUM
esutjss-163	3	19	new	new	ADJ
esutjss-163	3	20	generation	generation	NOUN
esutjss-163	3	21	technology	technology	NOUN
esutjss-163	3	22	and	and	CCONJ
esutjss-163	3	23	digital	digital	ADJ
esutjss-163	3	24	accounting	accounting	NOUN
esutjss-163	3	25	tools	tool	NOUN
esutjss-163	3	26	as	as	ADP
esutjss-163	3	27	a	a	DET
esutjss-163	3	28	digital	digital	ADJ
esutjss-163	3	29	transformation	transformation	NOUN
esutjss-163	3	30	strategy	strategy	NOUN
esutjss-163	3	31	for	for	ADP
esutjss-163	3	32	nigerian	nigerian	ADJ
esutjss-163	3	33	insurance	insurance	NOUN
esutjss-163	3	34	companies	company	NOUN
esutjss-163	3	35	'	'	PART
esutjss-163	3	36	organizational	organizational	ADJ
esutjss-163	3	37	sustainability	sustainability	NOUN
esutjss-163	3	38	*	*	PUNCT
esutjss-163	3	39	ganiyu	ganiyu	NOUN
esutjss-163	3	40	,	,	PUNCT
esutjss-163	3	41	kamal	kamal	PROPN
esutjss-163	3	42	aina	aina	PROPN
esutjss-163	3	43	,	,	PUNCT
esutjss-163	3	44	john	john	PROPN
esutjss-163	3	45	oloriegbe	oloriegbe	PROPN
esutjss-163	3	46	,	,	PUNCT
esutjss-163	3	47	kale	kale	PROPN
esutjss-163	3	48	s.	s.	PROPN
esutjss-163	3	49	department	department	PROPN
esutjss-163	3	50	of	of	ADP
esutjss-163	3	51	insurance	insurance	NOUN
esutjss-163	3	52	school	school	NOUN
esutjss-163	3	53	of	of	ADP
esutjss-163	3	54	business	business	NOUN
esutjss-163	3	55	and	and	CCONJ
esutjss-163	3	56	management	management	NOUN
esutjss-163	3	57	studies	study	NOUN
esutjss-163	3	58	the	the	DET
esutjss-163	3	59	federal	federal	ADJ
esutjss-163	3	60	polytechnic	polytechnic	ADJ
esutjss-163	3	61	,	,	PUNCT
esutjss-163	3	62	offa	offa	NOUN
esutjss-163	3	63	*	*	NOUN
esutjss-163	3	64	correspondence	correspondence	NOUN
esutjss-163	3	65	:	:	PUNCT
esutjss-163	4	1	kamal.ganiyu@fedpoffaonline.edu.ng	kamal.ganiyu@fedpoffaonline.edu.ng	PROPN
esutjss-163	4	2	abstract	abstract	PROPN
esutjss-163	4	3	formulating	formulate	VERB
esutjss-163	4	4	a	a	DET
esutjss-163	4	5	digital	digital	ADJ
esutjss-163	4	6	transformation	transformation	NOUN
esutjss-163	4	7	plan	plan	NOUN
esutjss-163	4	8	that	that	PRON
esutjss-163	4	9	acts	act	VERB
esutjss-163	4	10	as	as	ADP
esutjss-163	4	11	a	a	DET
esutjss-163	4	12	primary	primary	ADJ
esutjss-163	4	13	idea	idea	NOUN
esutjss-163	4	14	to	to	ADP
esutjss-163	4	15	digital	digital	ADJ
esutjss-163	4	16	changes	change	NOUN
esutjss-163	4	17	inside	inside	ADP
esutjss-163	4	18	a	a	DET
esutjss-163	4	19	corporation	corporation	NOUN
esutjss-163	4	20	is	be	AUX
esutjss-163	4	21	an	an	DET
esutjss-163	4	22	essential	essential	ADJ
esutjss-163	4	23	technique	technique	NOUN
esutjss-163	4	24	.	.	PUNCT
esutjss-163	5	1	digital	digital	ADJ
esutjss-163	5	2	revolution	revolution	PROPN
esutjss-163	5	3	is	be	AUX
esutjss-163	5	4	causing	cause	VERB
esutjss-163	5	5	a	a	DET
esutjss-163	5	6	tsunami	tsunami	NOUN
esutjss-163	5	7	of	of	ADP
esutjss-163	5	8	change	change	NOUN
esutjss-163	5	9	in	in	ADP
esutjss-163	5	10	the	the	DET
esutjss-163	5	11	economic	economic	ADJ
esutjss-163	5	12	and	and	CCONJ
esutjss-163	5	13	financial	financial	ADJ
esutjss-163	5	14	sectors	sector	NOUN
esutjss-163	5	15	,	,	PUNCT
esutjss-163	5	16	affecting	affect	VERB
esutjss-163	5	17	society	society	NOUN
esutjss-163	5	18	as	as	ADP
esutjss-163	5	19	a	a	DET
esutjss-163	5	20	whole	whole	NOUN
esutjss-163	5	21	.	.	PUNCT
esutjss-163	6	1	the	the	DET
esutjss-163	6	2	study	study	NOUN
esutjss-163	6	3	examines	examine	VERB
esutjss-163	6	4	the	the	DET
esutjss-163	6	5	influence	influence	NOUN
esutjss-163	6	6	of	of	ADP
esutjss-163	6	7	digital	digital	ADJ
esutjss-163	6	8	transformation	transformation	NOUN
esutjss-163	6	9	strategies	strategy	NOUN
esutjss-163	6	10	on	on	ADP
esutjss-163	6	11	sustainability	sustainability	NOUN
esutjss-163	6	12	of	of	ADP
esutjss-163	6	13	insurance	insurance	NOUN
esutjss-163	6	14	businesses	business	NOUN
esutjss-163	6	15	in	in	ADP
esutjss-163	6	16	nigeria	nigeria	PROPN
esutjss-163	6	17	.	.	PUNCT
esutjss-163	7	1	a	a	DET
esutjss-163	7	2	descriptive	descriptive	ADJ
esutjss-163	7	3	research	research	NOUN
esutjss-163	7	4	technique	technique	NOUN
esutjss-163	7	5	was	be	AUX
esutjss-163	7	6	used	use	VERB
esutjss-163	7	7	in	in	ADP
esutjss-163	7	8	the	the	DET
esutjss-163	7	9	study	study	NOUN
esutjss-163	7	10	.	.	PUNCT
esutjss-163	8	1	this	this	DET
esutjss-163	8	2	study	study	NOUN
esutjss-163	8	3	population	population	NOUN
esutjss-163	8	4	consists	consist	VERB
esutjss-163	8	5	of	of	ADP
esutjss-163	8	6	all	all	DET
esutjss-163	8	7	insurance	insurance	NOUN
esutjss-163	8	8	companies	company	NOUN
esutjss-163	8	9	observed	observe	VERB
esutjss-163	8	10	to	to	PART
esutjss-163	8	11	be	be	AUX
esutjss-163	8	12	the	the	DET
esutjss-163	8	13	healthy	healthy	ADJ
esutjss-163	8	14	ones	one	NOUN
esutjss-163	8	15	amongst	amongst	ADP
esutjss-163	8	16	the	the	DET
esutjss-163	8	17	existing	exist	VERB
esutjss-163	8	18	fifty	fifty	NUM
esutjss-163	8	19	eight	eight	NUM
esutjss-163	8	20	(	(	PUNCT
esutjss-163	8	21	58	58	NUM
esutjss-163	8	22	)	)	PUNCT
esutjss-163	8	23	insurance	insurance	NOUN
esutjss-163	8	24	companies	company	NOUN
esutjss-163	8	25	duly	duly	ADV
esutjss-163	8	26	registered	register	VERB
esutjss-163	8	27	in	in	ADP
esutjss-163	8	28	nigeria	nigeria	PROPN
esutjss-163	8	29	.	.	PUNCT
esutjss-163	9	1	a	a	DET
esutjss-163	9	2	purposive	purposive	ADJ
esutjss-163	9	3	sampling	sampling	NOUN
esutjss-163	9	4	method	method	NOUN
esutjss-163	9	5	was	be	AUX
esutjss-163	9	6	considered	consider	VERB
esutjss-163	9	7	appropriate	appropriate	ADJ
esutjss-163	9	8	for	for	ADP
esutjss-163	9	9	the	the	DET
esutjss-163	9	10	study	study	NOUN
esutjss-163	9	11	as	as	SCONJ
esutjss-163	9	12	the	the	DET
esutjss-163	9	13	sample	sample	NOUN
esutjss-163	9	14	size	size	NOUN
esutjss-163	9	15	consists	consist	VERB
esutjss-163	9	16	of	of	ADP
esutjss-163	9	17	350	350	NUM
esutjss-163	9	18	employees	employee	NOUN
esutjss-163	9	19	working	work	VERB
esutjss-163	9	20	at	at	ADP
esutjss-163	9	21	the	the	DET
esutjss-163	9	22	ict	ict	PROPN
esutjss-163	9	23	and	and	CCONJ
esutjss-163	9	24	cyber	cyber	NOUN
esutjss-163	9	25	security	security	NOUN
esutjss-163	9	26	unit	unit	NOUN
esutjss-163	9	27	of	of	ADP
esutjss-163	9	28	all	all	DET
esutjss-163	9	29	the	the	DET
esutjss-163	9	30	insurance	insurance	NOUN
esutjss-163	9	31	offices	office	NOUN
esutjss-163	9	32	fully	fully	ADV
esutjss-163	9	33	digitalized	digitalize	VERB
esutjss-163	9	34	in	in	ADP
esutjss-163	9	35	nigeria	nigeria	PROPN
esutjss-163	9	36	,	,	PUNCT
esutjss-163	9	37	only	only	ADV
esutjss-163	9	38	333	333	NUM
esutjss-163	9	39	were	be	AUX
esutjss-163	9	40	retuned	retune	VERB
esutjss-163	9	41	and	and	CCONJ
esutjss-163	9	42	fit	fit	ADJ
esutjss-163	9	43	for	for	ADP
esutjss-163	9	44	analysis	analysis	NOUN
esutjss-163	9	45	.	.	PUNCT
esutjss-163	10	1	the	the	DET
esutjss-163	10	2	findings	finding	NOUN
esutjss-163	10	3	of	of	ADP
esutjss-163	10	4	the	the	DET
esutjss-163	10	5	study	study	NOUN
esutjss-163	10	6	from	from	ADP
esutjss-163	10	7	regression	regression	NOUN
esutjss-163	10	8	analysis	analysis	NOUN
esutjss-163	10	9	revealed	reveal	VERB
esutjss-163	10	10	that	that	SCONJ
esutjss-163	10	11	digital	digital	ADJ
esutjss-163	10	12	transformation	transformation	NOUN
esutjss-163	10	13	(	(	PUNCT
esutjss-163	10	14	i.e.	i.e.	X
esutjss-163	10	15	new	new	ADJ
esutjss-163	10	16	generation	generation	NOUN
esutjss-163	10	17	technology	technology	NOUN
esutjss-163	10	18	platform	platform	NOUN
esutjss-163	10	19	and	and	CCONJ
esutjss-163	10	20	digital	digital	ADJ
esutjss-163	10	21	accounting	accounting	NOUN
esutjss-163	10	22	tools	tool	NOUN
esutjss-163	10	23	)	)	PUNCT
esutjss-163	10	24	has	have	VERB
esutjss-163	10	25	influence	influence	NOUN
esutjss-163	10	26	on	on	ADP
esutjss-163	10	27	sustainability	sustainability	NOUN
esutjss-163	10	28	of	of	ADP
esutjss-163	10	29	insurance	insurance	NOUN
esutjss-163	10	30	companies	company	NOUN
esutjss-163	10	31	in	in	ADP
esutjss-163	10	32	nigeria	nigeria	PROPN
esutjss-163	10	33	.	.	PUNCT
esutjss-163	11	1	the	the	DET
esutjss-163	11	2	study	study	NOUN
esutjss-163	11	3	concludes	conclude	VERB
esutjss-163	11	4	that	that	SCONJ
esutjss-163	11	5	new	new	ADJ
esutjss-163	11	6	generation	generation	NOUN
esutjss-163	11	7	technology	technology	NOUN
esutjss-163	11	8	and	and	CCONJ
esutjss-163	11	9	digital	digital	ADJ
esutjss-163	11	10	accounting	accounting	NOUN
esutjss-163	11	11	tools	tool	NOUN
esutjss-163	11	12	as	as	ADP
esutjss-163	11	13	a	a	DET
esutjss-163	11	14	digital	digital	ADJ
esutjss-163	11	15	transformation	transformation	NOUN
esutjss-163	11	16	strategy	strategy	NOUN
esutjss-163	11	17	has	have	VERB
esutjss-163	11	18	impact	impact	NOUN
esutjss-163	11	19	on	on	ADP
esutjss-163	11	20	sustainability	sustainability	NOUN
esutjss-163	11	21	of	of	ADP
esutjss-163	11	22	insurance	insurance	NOUN
esutjss-163	11	23	companies	company	NOUN
esutjss-163	11	24	.	.	PUNCT
esutjss-163	12	1	the	the	DET
esutjss-163	12	2	study	study	NOUN
esutjss-163	12	3	recommends	recommend	VERB
esutjss-163	12	4	that	that	SCONJ
esutjss-163	12	5	insurance	insurance	NOUN
esutjss-163	12	6	companies	company	NOUN
esutjss-163	12	7	should	should	AUX
esutjss-163	12	8	ensure	ensure	VERB
esutjss-163	12	9	adequate	adequate	ADJ
esutjss-163	12	10	digitalization	digitalization	NOUN
esutjss-163	12	11	to	to	PART
esutjss-163	12	12	guarantee	guarantee	VERB
esutjss-163	12	13	improved	improved	ADJ
esutjss-163	12	14	market	market	NOUN
esutjss-163	12	15	penetration	penetration	NOUN
esutjss-163	12	16	.	.	PUNCT
esutjss-163	13	1	keywords	keyword	NOUN
esutjss-163	13	2	:	:	PUNCT
esutjss-163	13	3	digital	digital	ADJ
esutjss-163	13	4	accounting	accounting	NOUN
esutjss-163	13	5	,	,	PUNCT
esutjss-163	13	6	digital	digital	ADJ
esutjss-163	13	7	transformation	transformation	NOUN
esutjss-163	13	8	,	,	PUNCT
esutjss-163	13	9	new	new	ADJ
esutjss-163	13	10	generation	generation	NOUN
esutjss-163	13	11	technology	technology	NOUN
esutjss-163	13	12	,	,	PUNCT
esutjss-163	13	13	sustainability	sustainability	NOUN
esutjss-163	13	14	,	,	PUNCT
esutjss-163	13	15	insurance	insurance	NOUN
esutjss-163	13	16	business	business	NOUN
esutjss-163	13	17	,	,	PUNCT
esutjss-163	13	18	nigeria	nigeria	PROPN
esutjss-163	13	19	.	.	PUNCT
esutjss-163	14	1	introduction	introduction	NOUN
esutjss-163	14	2	at	at	ADP
esutjss-163	14	3	its	its	PRON
esutjss-163	14	4	most	most	ADV
esutjss-163	14	5	basic	basic	ADJ
esutjss-163	14	6	,	,	PUNCT
esutjss-163	14	7	an	an	DET
esutjss-163	14	8	organization	organization	NOUN
esutjss-163	14	9	is	be	AUX
esutjss-163	14	10	either	either	CCONJ
esutjss-163	14	11	an	an	DET
esutjss-163	14	12	individual	individual	NOUN
esutjss-163	14	13	or	or	CCONJ
esutjss-163	14	14	a	a	DET
esutjss-163	14	15	group	group	NOUN
esutjss-163	14	16	of	of	ADP
esutjss-163	14	17	individuals	individual	NOUN
esutjss-163	14	18	working	work	VERB
esutjss-163	14	19	together	together	ADV
esutjss-163	14	20	to	to	PART
esutjss-163	14	21	achieve	achieve	VERB
esutjss-163	14	22	a	a	DET
esutjss-163	14	23	single	single	ADJ
esutjss-163	14	24	purpose	purpose	NOUN
esutjss-163	14	25	or	or	CCONJ
esutjss-163	14	26	set	set	NOUN
esutjss-163	14	27	of	of	ADP
esutjss-163	14	28	goals	goal	NOUN
esutjss-163	14	29	.	.	PUNCT
esutjss-163	15	1	because	because	SCONJ
esutjss-163	15	2	the	the	DET
esutjss-163	15	3	organizational	organizational	ADJ
esutjss-163	15	4	structure	structure	NOUN
esutjss-163	15	5	of	of	ADP
esutjss-163	15	6	any	any	DET
esutjss-163	15	7	business	business	NOUN
esutjss-163	15	8	is	be	AUX
esutjss-163	15	9	critical	critical	ADJ
esutjss-163	15	10	for	for	ADP
esutjss-163	15	11	its	its	PRON
esutjss-163	15	12	sustainability	sustainability	NOUN
esutjss-163	15	13	or	or	CCONJ
esutjss-163	15	14	success	success	NOUN
esutjss-163	15	15	in	in	ADP
esutjss-163	15	16	functioning	function	VERB
esutjss-163	15	17	as	as	ADP
esutjss-163	15	18	a	a	DET
esutjss-163	15	19	motivator	motivator	NOUN
esutjss-163	15	20	or	or	CCONJ
esutjss-163	15	21	stimulant	stimulant	NOUN
esutjss-163	15	22	for	for	SCONJ
esutjss-163	15	23	the	the	DET
esutjss-163	15	24	firm	firm	NOUN
esutjss-163	15	25	to	to	PART
esutjss-163	15	26	attain	attain	VERB
esutjss-163	15	27	its	its	PRON
esutjss-163	15	28	vision	vision	NOUN
esutjss-163	15	29	.	.	PUNCT
esutjss-163	16	1	the	the	DET
esutjss-163	16	2	impact	impact	NOUN
esutjss-163	16	3	of	of	ADP
esutjss-163	16	4	shifting	shift	VERB
esutjss-163	16	5	demographics	demographic	NOUN
esutjss-163	16	6	,	,	PUNCT
esutjss-163	16	7	social	social	ADJ
esutjss-163	16	8	inequalities	inequality	NOUN
esutjss-163	16	9	,	,	PUNCT
esutjss-163	16	10	the	the	DET
esutjss-163	16	11	global	global	ADJ
esutjss-163	16	12	market	market	NOUN
esutjss-163	16	13	,	,	PUNCT
esutjss-163	16	14	and	and	CCONJ
esutjss-163	16	15	climate	climate	NOUN
esutjss-163	16	16	change	change	NOUN
esutjss-163	16	17	on	on	ADP
esutjss-163	16	18	organizations	organization	NOUN
esutjss-163	16	19	has	have	AUX
esutjss-163	16	20	recently	recently	ADV
esutjss-163	16	21	been	be	AUX
esutjss-163	16	22	a	a	DET
esutjss-163	16	23	source	source	NOUN
esutjss-163	16	24	of	of	ADP
esutjss-163	16	25	worry	worry	NOUN
esutjss-163	16	26	.	.	PUNCT
esutjss-163	17	1	according	accord	VERB
esutjss-163	17	2	to	to	ADP
esutjss-163	17	3	the	the	DET
esutjss-163	17	4	chartered	chartered	PROPN
esutjss-163	17	5	institute	institute	PROPN
esutjss-163	17	6	of	of	ADP
esutjss-163	17	7	personnel	personnel	NOUN
esutjss-163	17	8	and	and	CCONJ
esutjss-163	17	9	development	development	NOUN
esutjss-163	17	10	(	(	PUNCT
esutjss-163	17	11	cipd	cipd	NOUN
esutjss-163	17	12	)	)	PUNCT
esutjss-163	17	13	(	(	PUNCT
esutjss-163	17	14	2012	2012	NUM
esutjss-163	17	15	)	)	PUNCT
esutjss-163	17	16	,	,	PUNCT
esutjss-163	17	17	as	as	SCONJ
esutjss-163	17	18	referenced	reference	VERB
esutjss-163	17	19	in	in	ADP
esutjss-163	17	20	mohd	mohd	PROPN
esutjss-163	17	21	-	-	PUNCT
esutjss-163	17	22	zawawi	zawawi	PROPN
esutjss-163	17	23	and	and	CCONJ
esutjss-163	17	24	abdwahab	abdwahab	NOUN
esutjss-163	17	25	(	(	PUNCT
esutjss-163	17	26	2019	2019	NUM
esutjss-163	17	27	)	)	PUNCT
esutjss-163	17	28	,	,	PUNCT
esutjss-163	17	29	the	the	DET
esutjss-163	17	30	primary	primary	ADJ
esutjss-163	17	31	premise	premise	NOUN
esutjss-163	17	32	of	of	ADP
esutjss-163	17	33	improving	improve	VERB
esutjss-163	17	34	the	the	DET
esutjss-163	17	35	environmental	environmental	ADJ
esutjss-163	17	36	,	,	PUNCT
esutjss-163	17	37	sociological	sociological	ADJ
esutjss-163	17	38	,	,	PUNCT
esutjss-163	17	39	and	and	CCONJ
esutjss-163	17	40	economic	economic	ADJ
esutjss-163	17	41	systems	system	NOUN
esutjss-163	17	42	inside	inside	ADP
esutjss-163	17	43	corporate	corporate	ADJ
esutjss-163	17	44	operations	operation	NOUN
esutjss-163	17	45	is	be	AUX
esutjss-163	17	46	the	the	DET
esutjss-163	17	47	cause	cause	NOUN
esutjss-163	17	48	of	of	ADP
esutjss-163	17	49	organizational	organizational	ADJ
esutjss-163	17	50	sustainability	sustainability	NOUN
esutjss-163	17	51	.	.	PUNCT
esutjss-163	18	1	scholars	scholar	NOUN
esutjss-163	18	2	have	have	VERB
esutjss-163	18	3	numerous	numerous	ADJ
esutjss-163	18	4	definitions	definition	NOUN
esutjss-163	18	5	and	and	CCONJ
esutjss-163	18	6	interpretations	interpretation	NOUN
esutjss-163	18	7	of	of	ADP
esutjss-163	18	8	sustainability	sustainability	NOUN
esutjss-163	18	9	.	.	PUNCT
esutjss-163	19	1	according	accord	VERB
esutjss-163	19	2	to	to	ADP
esutjss-163	19	3	mohd	mohd	PROPN
esutjss-163	19	4	-	-	PUNCT
esutjss-163	19	5	zawawi	zawawi	PROPN
esutjss-163	19	6	and	and	CCONJ
esutjss-163	19	7	abdwahab	abdwahab	NOUN
esutjss-163	19	8	,	,	PUNCT
esutjss-163	19	9	organizational	organizational	ADJ
esutjss-163	19	10	sustainability	sustainability	NOUN
esutjss-163	19	11	is	be	AUX
esutjss-163	19	12	a	a	DET
esutjss-163	19	13	critical	critical	ADJ
esutjss-163	19	14	component	component	NOUN
esutjss-163	19	15	in	in	ADP
esutjss-163	19	16	the	the	DET
esutjss-163	19	17	face	face	NOUN
esutjss-163	19	18	of	of	ADP
esutjss-163	19	19	severe	severe	ADJ
esutjss-163	19	20	environmental	environmental	ADJ
esutjss-163	19	21	,	,	PUNCT
esutjss-163	19	22	climatic	climatic	ADJ
esutjss-163	19	23	,	,	PUNCT
esutjss-163	19	24	and	and	CCONJ
esutjss-163	19	25	global	global	ADJ
esutjss-163	19	26	market	market	NOUN
esutjss-163	19	27	concerns	concern	NOUN
esutjss-163	19	28	like	like	ADP
esutjss-163	19	29	the	the	DET
esutjss-163	19	30	current	current	ADJ
esutjss-163	19	31	covid-19	covid-19	PROPN
esutjss-163	19	32	epidemic	epidemic	NOUN
esutjss-163	19	33	and	and	CCONJ
esutjss-163	19	34	for	for	ADP
esutjss-163	19	35	any	any	DET
esutjss-163	19	36	type	type	NOUN
esutjss-163	19	37	of	of	ADP
esutjss-163	19	38	business	business	NOUN
esutjss-163	19	39	operations	operation	NOUN
esutjss-163	19	40	mailto:kamal.ganiyu@fedpoffaonline.edu.ng	mailto:kamal.ganiyu@fedpoffaonline.edu.ng	ADV
esutjss-163	19	41	107	107	NUM
esutjss-163	19	42	today	today	NOUN
esutjss-163	19	43	(	(	PUNCT
esutjss-163	19	44	2019	2019	NUM
esutjss-163	19	45	)	)	PUNCT
esutjss-163	19	46	.	.	PUNCT
esutjss-163	20	1	yet	yet	ADV
esutjss-163	20	2	,	,	PUNCT
esutjss-163	20	3	corporate	corporate	ADJ
esutjss-163	20	4	organization	organization	NOUN
esutjss-163	20	5	is	be	AUX
esutjss-163	20	6	also	also	ADV
esutjss-163	20	7	regarded	regard	VERB
esutjss-163	20	8	as	as	ADP
esutjss-163	20	9	a	a	DET
esutjss-163	20	10	business	business	NOUN
esutjss-163	20	11	commitment	commitment	NOUN
esutjss-163	20	12	to	to	ADP
esutjss-163	20	13	contributing	contribute	VERB
esutjss-163	20	14	to	to	ADP
esutjss-163	20	15	long	long	ADJ
esutjss-163	20	16	-	-	PUNCT
esutjss-163	20	17	term	term	NOUN
esutjss-163	20	18	economic	economic	ADJ
esutjss-163	20	19	growth	growth	NOUN
esutjss-163	20	20	.	.	PUNCT
esutjss-163	21	1	insurance	insurance	NOUN
esutjss-163	21	2	businesses	business	NOUN
esutjss-163	21	3	,	,	PUNCT
esutjss-163	21	4	for	for	ADP
esutjss-163	21	5	example	example	NOUN
esutjss-163	21	6	,	,	PUNCT
esutjss-163	21	7	are	be	AUX
esutjss-163	21	8	required	require	VERB
esutjss-163	21	9	to	to	PART
esutjss-163	21	10	be	be	AUX
esutjss-163	21	11	responsible	responsible	ADJ
esutjss-163	21	12	for	for	ADP
esutjss-163	21	13	their	their	PRON
esutjss-163	21	14	social	social	ADJ
esutjss-163	21	15	,	,	PUNCT
esutjss-163	21	16	environmental	environmental	ADJ
esutjss-163	21	17	,	,	PUNCT
esutjss-163	21	18	and	and	CCONJ
esutjss-163	21	19	economic	economic	ADJ
esutjss-163	21	20	concerns	concern	NOUN
esutjss-163	21	21	,	,	PUNCT
esutjss-163	21	22	as	as	SCONJ
esutjss-163	21	23	they	they	PRON
esutjss-163	21	24	are	be	AUX
esutjss-163	21	25	seen	see	VERB
esutjss-163	21	26	as	as	ADP
esutjss-163	21	27	critical	critical	ADJ
esutjss-163	21	28	to	to	ADP
esutjss-163	21	29	their	their	PRON
esutjss-163	21	30	future	future	ADJ
esutjss-163	21	31	existence	existence	NOUN
esutjss-163	21	32	.	.	PUNCT
esutjss-163	22	1	one	one	NUM
esutjss-163	22	2	such	such	ADJ
esutjss-163	22	3	example	example	NOUN
esutjss-163	22	4	,	,	PUNCT
esutjss-163	22	5	in	in	ADP
esutjss-163	22	6	light	light	NOUN
esutjss-163	22	7	of	of	ADP
esutjss-163	22	8	the	the	DET
esutjss-163	22	9	current	current	ADJ
esutjss-163	22	10	covid-19	covid-19	PROPN
esutjss-163	22	11	epidemic	epidemic	NOUN
esutjss-163	22	12	,	,	PUNCT
esutjss-163	22	13	is	be	AUX
esutjss-163	22	14	the	the	DET
esutjss-163	22	15	recognition	recognition	NOUN
esutjss-163	22	16	of	of	ADP
esutjss-163	22	17	the	the	DET
esutjss-163	22	18	necessity	necessity	NOUN
esutjss-163	22	19	for	for	ADP
esutjss-163	22	20	digital	digital	ADJ
esutjss-163	22	21	transformation	transformation	NOUN
esutjss-163	22	22	to	to	PART
esutjss-163	22	23	deal	deal	VERB
esutjss-163	22	24	with	with	ADP
esutjss-163	22	25	the	the	DET
esutjss-163	22	26	challenges	challenge	NOUN
esutjss-163	22	27	faced	face	VERB
esutjss-163	22	28	by	by	ADP
esutjss-163	22	29	corporate	corporate	ADJ
esutjss-163	22	30	organizations	organization	NOUN
esutjss-163	22	31	,	,	PUNCT
esutjss-163	22	32	of	of	ADP
esutjss-163	22	33	which	which	PRON
esutjss-163	22	34	the	the	DET
esutjss-163	22	35	insurance	insurance	NOUN
esutjss-163	22	36	industry	industry	NOUN
esutjss-163	22	37	is	be	AUX
esutjss-163	22	38	not	not	PART
esutjss-163	22	39	exempt	exempt	ADJ
esutjss-163	22	40	.	.	PUNCT
esutjss-163	23	1	nonetheless	nonetheless	ADV
esutjss-163	23	2	,	,	PUNCT
esutjss-163	23	3	it	it	PRON
esutjss-163	23	4	was	be	AUX
esutjss-163	23	5	assumed	assume	VERB
esutjss-163	23	6	that	that	SCONJ
esutjss-163	23	7	the	the	DET
esutjss-163	23	8	dynamic	dynamic	ADJ
esutjss-163	23	9	character	character	NOUN
esutjss-163	23	10	of	of	ADP
esutjss-163	23	11	businesses	business	NOUN
esutjss-163	23	12	such	such	ADJ
esutjss-163	23	13	as	as	ADP
esutjss-163	23	14	insurance	insurance	NOUN
esutjss-163	23	15	in	in	ADP
esutjss-163	23	16	their	their	PRON
esutjss-163	23	17	complicated	complicated	ADJ
esutjss-163	23	18	surroundings	surrounding	NOUN
esutjss-163	23	19	had	have	VERB
esutjss-163	23	20	an	an	DET
esutjss-163	23	21	impact	impact	NOUN
esutjss-163	23	22	on	on	ADP
esutjss-163	23	23	the	the	DET
esutjss-163	23	24	sustainability	sustainability	NOUN
esutjss-163	23	25	of	of	ADP
esutjss-163	23	26	the	the	DET
esutjss-163	23	27	concerned	concerned	ADJ
esutjss-163	23	28	enterprises	enterprise	NOUN
esutjss-163	23	29	(	(	PUNCT
esutjss-163	23	30	aggarwal	aggarwal	NOUN
esutjss-163	23	31	,	,	PUNCT
esutjss-163	23	32	2013	2013	NUM
esutjss-163	23	33	)	)	PUNCT
esutjss-163	23	34	.	.	PUNCT
esutjss-163	24	1	business	business	NOUN
esutjss-163	24	2	organizations	organization	NOUN
esutjss-163	24	3	require	require	VERB
esutjss-163	24	4	strategies	strategy	NOUN
esutjss-163	24	5	and	and	CCONJ
esutjss-163	24	6	procedures	procedure	NOUN
esutjss-163	24	7	to	to	PART
esutjss-163	24	8	ensure	ensure	VERB
esutjss-163	24	9	their	their	PRON
esutjss-163	24	10	long	long	ADJ
esutjss-163	24	11	-	-	PUNCT
esutjss-163	24	12	term	term	NOUN
esutjss-163	24	13	viability	viability	NOUN
esutjss-163	24	14	in	in	ADP
esutjss-163	24	15	order	order	NOUN
esutjss-163	24	16	to	to	PART
esutjss-163	24	17	meet	meet	VERB
esutjss-163	24	18	established	establish	VERB
esutjss-163	24	19	goals	goal	NOUN
esutjss-163	24	20	and	and	CCONJ
esutjss-163	24	21	achieve	achieve	VERB
esutjss-163	24	22	corporate	corporate	ADJ
esutjss-163	24	23	objectives	objective	NOUN
esutjss-163	24	24	.	.	PUNCT
esutjss-163	25	1	adoption	adoption	NOUN
esutjss-163	25	2	of	of	ADP
esutjss-163	25	3	improved	improved	ADJ
esutjss-163	25	4	digitalization	digitalization	NOUN
esutjss-163	25	5	is	be	AUX
esutjss-163	25	6	one	one	NUM
esutjss-163	25	7	of	of	ADP
esutjss-163	25	8	the	the	DET
esutjss-163	25	9	strategies	strategy	NOUN
esutjss-163	25	10	that	that	PRON
esutjss-163	25	11	has	have	AUX
esutjss-163	25	12	been	be	AUX
esutjss-163	25	13	advocated	advocate	VERB
esutjss-163	25	14	to	to	PART
esutjss-163	25	15	ensure	ensure	VERB
esutjss-163	25	16	the	the	DET
esutjss-163	25	17	sustainability	sustainability	NOUN
esutjss-163	25	18	of	of	ADP
esutjss-163	25	19	an	an	DET
esutjss-163	25	20	organization	organization	NOUN
esutjss-163	25	21	such	such	ADJ
esutjss-163	25	22	as	as	ADP
esutjss-163	25	23	insurance	insurance	NOUN
esutjss-163	25	24	corporations	corporation	NOUN
esutjss-163	25	25	,	,	PUNCT
esutjss-163	25	26	in	in	ADP
esutjss-163	25	27	accordance	accordance	NOUN
esutjss-163	25	28	with	with	ADP
esutjss-163	25	29	aggarwal	aggarwal	NOUN
esutjss-163	25	30	's	's	PART
esutjss-163	25	31	(	(	PUNCT
esutjss-163	25	32	2013	2013	NUM
esutjss-163	25	33	)	)	PUNCT
esutjss-163	25	34	submission	submission	NOUN
esutjss-163	25	35	.	.	PUNCT
esutjss-163	26	1	the	the	DET
esutjss-163	26	2	digital	digital	ADJ
esutjss-163	26	3	transformation	transformation	NOUN
esutjss-163	26	4	phenomenon	phenomenon	NOUN
esutjss-163	26	5	is	be	AUX
esutjss-163	26	6	typically	typically	ADV
esutjss-163	26	7	complex	complex	ADJ
esutjss-163	26	8	,	,	PUNCT
esutjss-163	26	9	perplexing	perplexing	ADJ
esutjss-163	26	10	,	,	PUNCT
esutjss-163	26	11	and	and	CCONJ
esutjss-163	26	12	difficult	difficult	ADJ
esutjss-163	26	13	for	for	ADP
esutjss-163	26	14	insurance	insurance	NOUN
esutjss-163	26	15	firms	firm	NOUN
esutjss-163	26	16	,	,	PUNCT
esutjss-163	26	17	but	but	CCONJ
esutjss-163	26	18	this	this	PRON
esutjss-163	26	19	does	do	AUX
esutjss-163	26	20	not	not	PART
esutjss-163	26	21	exclude	exclude	VERB
esutjss-163	26	22	its	its	PRON
esutjss-163	26	23	implementation	implementation	NOUN
esutjss-163	26	24	in	in	ADP
esutjss-163	26	25	marketing	marketing	NOUN
esutjss-163	26	26	,	,	PUNCT
esutjss-163	26	27	claims	claim	NOUN
esutjss-163	26	28	,	,	PUNCT
esutjss-163	26	29	and	and	CCONJ
esutjss-163	26	30	underwriting	underwriting	NOUN
esutjss-163	26	31	(	(	PUNCT
esutjss-163	26	32	yusuf	yusuf	PROPN
esutjss-163	26	33	,	,	PUNCT
esutjss-163	26	34	ajemunigbohun	ajemunigbohun	PROPN
esutjss-163	26	35	,	,	PUNCT
esutjss-163	26	36	and	and	CCONJ
esutjss-163	26	37	alli	alli	PROPN
esutjss-163	26	38	,	,	PUNCT
esutjss-163	26	39	2017	2017	NUM
esutjss-163	26	40	;	;	PUNCT
esutjss-163	26	41	ajemunigbohun	ajemunigbohun	PROPN
esutjss-163	26	42	,	,	PUNCT
esutjss-163	26	43	oreshile	oreshile	VERB
esutjss-163	26	44	,	,	PUNCT
esutjss-163	26	45	and	and	CCONJ
esutjss-163	26	46	alli	alli	PROPN
esutjss-163	26	47	,	,	PUNCT
esutjss-163	26	48	2018	2018	NUM
esutjss-163	26	49	)	)	PUNCT
esutjss-163	26	50	.	.	PUNCT
esutjss-163	27	1	due	due	ADP
esutjss-163	27	2	to	to	ADP
esutjss-163	27	3	the	the	DET
esutjss-163	27	4	rapid	rapid	ADJ
esutjss-163	27	5	progress	progress	NOUN
esutjss-163	27	6	of	of	ADP
esutjss-163	27	7	technology	technology	NOUN
esutjss-163	27	8	,	,	PUNCT
esutjss-163	27	9	the	the	DET
esutjss-163	27	10	success	success	NOUN
esutjss-163	27	11	rate	rate	NOUN
esutjss-163	27	12	of	of	ADP
esutjss-163	27	13	such	such	ADJ
esutjss-163	27	14	digital	digital	ADJ
esutjss-163	27	15	transitions	transition	NOUN
esutjss-163	27	16	in	in	ADP
esutjss-163	27	17	insurance	insurance	NOUN
esutjss-163	27	18	is	be	AUX
esutjss-163	27	19	extremely	extremely	ADV
esutjss-163	27	20	low	low	ADJ
esutjss-163	27	21	.	.	PUNCT
esutjss-163	28	1	the	the	DET
esutjss-163	28	2	use	use	NOUN
esutjss-163	28	3	of	of	ADP
esutjss-163	28	4	these	these	DET
esutjss-163	28	5	technologies	technology	NOUN
esutjss-163	28	6	for	for	ADP
esutjss-163	28	7	digital	digital	ADJ
esutjss-163	28	8	transformation	transformation	NOUN
esutjss-163	28	9	demands	demand	VERB
esutjss-163	28	10	significant	significant	ADJ
esutjss-163	28	11	changes	change	NOUN
esutjss-163	28	12	in	in	ADP
esutjss-163	28	13	organizational	organizational	ADJ
esutjss-163	28	14	procedures	procedure	NOUN
esutjss-163	28	15	,	,	PUNCT
esutjss-163	28	16	technology	technology	NOUN
esutjss-163	28	17	,	,	PUNCT
esutjss-163	28	18	and	and	CCONJ
esutjss-163	28	19	human	human	ADJ
esutjss-163	28	20	behaviour	behaviour	NOUN
esutjss-163	28	21	.	.	PUNCT
esutjss-163	29	1	this	this	DET
esutjss-163	29	2	broad	broad	ADJ
esutjss-163	29	3	transition	transition	NOUN
esutjss-163	29	4	brings	bring	VERB
esutjss-163	29	5	with	with	ADP
esutjss-163	29	6	it	it	PRON
esutjss-163	29	7	a	a	DET
esutjss-163	29	8	slew	slew	NOUN
esutjss-163	29	9	of	of	ADP
esutjss-163	29	10	socio	socio	NOUN
esutjss-163	29	11	-	-	PUNCT
esutjss-163	29	12	technical	technical	ADJ
esutjss-163	29	13	obstacles	obstacle	NOUN
esutjss-163	29	14	and	and	CCONJ
esutjss-163	29	15	concerns	concern	NOUN
esutjss-163	29	16	.	.	PUNCT
esutjss-163	30	1	the	the	DET
esutjss-163	30	2	proactive	proactive	ADJ
esutjss-163	30	3	strategy	strategy	NOUN
esutjss-163	30	4	encompassing	encompass	VERB
esutjss-163	30	5	people	people	NOUN
esutjss-163	30	6	,	,	PUNCT
esutjss-163	30	7	process	process	NOUN
esutjss-163	30	8	,	,	PUNCT
esutjss-163	30	9	and	and	CCONJ
esutjss-163	30	10	technology	technology	NOUN
esutjss-163	30	11	and	and	CCONJ
esutjss-163	30	12	,	,	PUNCT
esutjss-163	30	13	most	most	ADV
esutjss-163	30	14	crucially	crucially	ADV
esutjss-163	30	15	,	,	PUNCT
esutjss-163	30	16	their	their	PRON
esutjss-163	30	17	alignment	alignment	NOUN
esutjss-163	30	18	inside	inside	ADP
esutjss-163	30	19	the	the	DET
esutjss-163	30	20	organization	organization	NOUN
esutjss-163	30	21	has	have	AUX
esutjss-163	30	22	been	be	AUX
esutjss-163	30	23	shown	show	VERB
esutjss-163	30	24	to	to	PART
esutjss-163	30	25	be	be	AUX
esutjss-163	30	26	critical	critical	ADJ
esutjss-163	30	27	in	in	ADP
esutjss-163	30	28	carrying	carry	VERB
esutjss-163	30	29	out	out	ADP
esutjss-163	30	30	such	such	ADJ
esutjss-163	30	31	transformation	transformation	NOUN
esutjss-163	30	32	attempts	attempt	NOUN
esutjss-163	30	33	in	in	ADP
esutjss-163	30	34	the	the	DET
esutjss-163	30	35	firm	firm	NOUN
esutjss-163	30	36	.	.	PUNCT
esutjss-163	31	1	the	the	DET
esutjss-163	31	2	planned	plan	VERB
esutjss-163	31	3	efforts	effort	NOUN
esutjss-163	31	4	associated	associate	VERB
esutjss-163	31	5	with	with	ADP
esutjss-163	31	6	the	the	DET
esutjss-163	31	7	decided	decide	VERB
esutjss-163	31	8	strategy	strategy	NOUN
esutjss-163	31	9	also	also	ADV
esutjss-163	31	10	play	play	VERB
esutjss-163	31	11	an	an	DET
esutjss-163	31	12	important	important	ADJ
esutjss-163	31	13	role	role	NOUN
esutjss-163	31	14	in	in	ADP
esutjss-163	31	15	the	the	DET
esutjss-163	31	16	implementation	implementation	NOUN
esutjss-163	31	17	and	and	CCONJ
esutjss-163	31	18	sustainability	sustainability	NOUN
esutjss-163	31	19	of	of	ADP
esutjss-163	31	20	such	such	ADJ
esutjss-163	31	21	transformation	transformation	NOUN
esutjss-163	31	22	programs	program	NOUN
esutjss-163	31	23	in	in	ADP
esutjss-163	31	24	insurance	insurance	NOUN
esutjss-163	31	25	organizations	organization	NOUN
esutjss-163	31	26	.	.	PUNCT
esutjss-163	32	1	additionally	additionally	ADV
esutjss-163	32	2	,	,	PUNCT
esutjss-163	32	3	as	as	SCONJ
esutjss-163	32	4	major	major	ADJ
esutjss-163	32	5	motivators	motivator	NOUN
esutjss-163	32	6	and	and	CCONJ
esutjss-163	32	7	results	result	NOUN
esutjss-163	32	8	of	of	ADP
esutjss-163	32	9	digital	digital	ADJ
esutjss-163	32	10	transformation	transformation	NOUN
esutjss-163	32	11	,	,	PUNCT
esutjss-163	32	12	value	value	NOUN
esutjss-163	32	13	creation	creation	NOUN
esutjss-163	32	14	,	,	PUNCT
esutjss-163	32	15	operational	operational	ADJ
esutjss-163	32	16	efficiency	efficiency	NOUN
esutjss-163	32	17	,	,	PUNCT
esutjss-163	32	18	competitive	competitive	ADJ
esutjss-163	32	19	advantage	advantage	NOUN
esutjss-163	32	20	,	,	PUNCT
esutjss-163	32	21	customer	customer	NOUN
esutjss-163	32	22	interactions	interaction	NOUN
esutjss-163	32	23	,	,	PUNCT
esutjss-163	32	24	and	and	CCONJ
esutjss-163	32	25	new	new	ADJ
esutjss-163	32	26	business	business	NOUN
esutjss-163	32	27	models	model	NOUN
esutjss-163	32	28	arise	arise	VERB
esutjss-163	32	29	.	.	PUNCT
esutjss-163	33	1	digital	digital	ADJ
esutjss-163	33	2	transformation	transformation	NOUN
esutjss-163	33	3	is	be	AUX
esutjss-163	33	4	accelerating	accelerate	VERB
esutjss-163	33	5	in	in	ADP
esutjss-163	33	6	public	public	ADJ
esutjss-163	33	7	and	and	CCONJ
esutjss-163	33	8	private	private	ADJ
esutjss-163	33	9	insurance	insurance	NOUN
esutjss-163	33	10	organizations	organization	NOUN
esutjss-163	33	11	as	as	ADP
esutjss-163	33	12	a	a	DET
esutjss-163	33	13	result	result	NOUN
esutjss-163	33	14	of	of	ADP
esutjss-163	33	15	market	market	NOUN
esutjss-163	33	16	disruption	disruption	NOUN
esutjss-163	33	17	and	and	CCONJ
esutjss-163	33	18	gaps	gap	NOUN
esutjss-163	33	19	in	in	ADP
esutjss-163	33	20	organizational	organizational	ADJ
esutjss-163	33	21	demands	demand	NOUN
esutjss-163	33	22	and	and	CCONJ
esutjss-163	33	23	procedures	procedure	NOUN
esutjss-163	33	24	.	.	PUNCT
esutjss-163	34	1	it	it	PRON
esutjss-163	34	2	becomes	become	VERB
esutjss-163	34	3	a	a	DET
esutjss-163	34	4	critical	critical	ADJ
esutjss-163	34	5	market	market	NOUN
esutjss-163	34	6	need	need	NOUN
esutjss-163	34	7	for	for	ADP
esutjss-163	34	8	the	the	DET
esutjss-163	34	9	survival	survival	NOUN
esutjss-163	34	10	of	of	ADP
esutjss-163	34	11	insurance	insurance	NOUN
esutjss-163	34	12	firms	firm	NOUN
esutjss-163	34	13	.	.	PUNCT
esutjss-163	35	1	the	the	DET
esutjss-163	35	2	fourth	fourth	PROPN
esutjss-163	35	3	industrial	industrial	ADJ
esutjss-163	35	4	revolution	revolution	NOUN
esutjss-163	35	5	,	,	PUNCT
esutjss-163	35	6	according	accord	VERB
esutjss-163	35	7	to	to	ADP
esutjss-163	35	8	pflaum	pflaum	PROPN
esutjss-163	35	9	and	and	CCONJ
esutjss-163	35	10	golzer	golzer	NOUN
esutjss-163	35	11	(	(	PUNCT
esutjss-163	35	12	2018	2018	NUM
esutjss-163	35	13	)	)	PUNCT
esutjss-163	35	14	,	,	PUNCT
esutjss-163	35	15	has	have	AUX
esutjss-163	35	16	emerged	emerge	VERB
esutjss-163	35	17	in	in	ADP
esutjss-163	35	18	recent	recent	ADJ
esutjss-163	35	19	decades	decade	NOUN
esutjss-163	35	20	as	as	ADP
esutjss-163	35	21	a	a	DET
esutjss-163	35	22	result	result	NOUN
esutjss-163	35	23	of	of	ADP
esutjss-163	35	24	digital	digital	ADJ
esutjss-163	35	25	transformation	transformation	NOUN
esutjss-163	35	26	facilitated	facilitate	VERB
esutjss-163	35	27	by	by	ADP
esutjss-163	35	28	new	new	ADJ
esutjss-163	35	29	workplace	workplace	NOUN
esutjss-163	35	30	technologies	technology	NOUN
esutjss-163	35	31	.	.	PUNCT
esutjss-163	36	1	according	accord	VERB
esutjss-163	36	2	to	to	ADP
esutjss-163	36	3	kenney	kenney	PROPN
esutjss-163	36	4	,	,	PUNCT
esutjss-163	36	5	rouvinen	rouvinen	NOUN
esutjss-163	36	6	,	,	PUNCT
esutjss-163	36	7	and	and	CCONJ
esutjss-163	36	8	zysman	zysman	NOUN
esutjss-163	36	9	(	(	PUNCT
esutjss-163	36	10	2015	2015	NUM
esutjss-163	36	11	)	)	PUNCT
esutjss-163	36	12	,	,	PUNCT
esutjss-163	36	13	the	the	DET
esutjss-163	36	14	demand	demand	NOUN
esutjss-163	36	15	for	for	ADP
esutjss-163	36	16	change	change	NOUN
esutjss-163	36	17	grows	grow	VERB
esutjss-163	36	18	in	in	ADP
esutjss-163	36	19	response	response	NOUN
esutjss-163	36	20	to	to	ADP
esutjss-163	36	21	social	social	ADJ
esutjss-163	36	22	,	,	PUNCT
esutjss-163	36	23	industrial	industrial	ADJ
esutjss-163	36	24	,	,	PUNCT
esutjss-163	36	25	and	and	CCONJ
esutjss-163	36	26	,	,	PUNCT
esutjss-163	36	27	most	most	ADV
esutjss-163	36	28	crucially	crucially	ADV
esutjss-163	36	29	,	,	PUNCT
esutjss-163	36	30	technological	technological	ADJ
esutjss-163	36	31	advancements	advancement	NOUN
esutjss-163	36	32	.	.	PUNCT
esutjss-163	37	1	this	this	DET
esutjss-163	37	2	broad	broad	ADJ
esutjss-163	37	3	shift	shift	NOUN
esutjss-163	37	4	highlights	highlight	NOUN
esutjss-163	37	5	a	a	DET
esutjss-163	37	6	number	number	NOUN
esutjss-163	37	7	of	of	ADP
esutjss-163	37	8	socio	socio	NOUN
esutjss-163	37	9	-	-	PUNCT
esutjss-163	37	10	technical	technical	ADJ
esutjss-163	37	11	difficulties	difficulty	NOUN
esutjss-163	37	12	and	and	CCONJ
esutjss-163	37	13	hurdles	hurdle	NOUN
esutjss-163	37	14	,	,	PUNCT
esutjss-163	37	15	posing	pose	VERB
esutjss-163	37	16	challenges	challenge	NOUN
esutjss-163	37	17	to	to	ADP
esutjss-163	37	18	a	a	DET
esutjss-163	37	19	successful	successful	ADJ
esutjss-163	37	20	transformation	transformation	NOUN
esutjss-163	37	21	process	process	NOUN
esutjss-163	37	22	(	(	PUNCT
esutjss-163	37	23	khan	khan	PROPN
esutjss-163	37	24	&	&	CCONJ
esutjss-163	37	25	bokhari	bokhari	PROPN
esutjss-163	37	26	,	,	PUNCT
esutjss-163	37	27	2018	2018	NUM
esutjss-163	37	28	;	;	PUNCT
esutjss-163	37	29	mahmood	mahmood	PROPN
esutjss-163	37	30	,	,	PUNCT
esutjss-163	37	31	khan	khan	PROPN
esutjss-163	37	32	,	,	PUNCT
esutjss-163	37	33	&	&	CCONJ
esutjss-163	37	34	bokhari	bokhari	PROPN
esutjss-163	37	35	,	,	PUNCT
esutjss-163	37	36	2019	2019	NUM
esutjss-163	37	37	)	)	PUNCT
esutjss-163	37	38	.	.	PUNCT
esutjss-163	38	1	according	accord	VERB
esutjss-163	38	2	to	to	ADP
esutjss-163	38	3	studies	study	NOUN
esutjss-163	38	4	,	,	PUNCT
esutjss-163	38	5	experts	expert	NOUN
esutjss-163	38	6	,	,	PUNCT
esutjss-163	38	7	and	and	CCONJ
esutjss-163	38	8	practitioners	practitioner	NOUN
esutjss-163	38	9	,	,	PUNCT
esutjss-163	38	10	transformation	transformation	NOUN
esutjss-163	38	11	is	be	AUX
esutjss-163	38	12	a	a	DET
esutjss-163	38	13	multifaceted	multifaceted	ADJ
esutjss-163	38	14	process	process	NOUN
esutjss-163	38	15	in	in	ADP
esutjss-163	38	16	terms	term	NOUN
esutjss-163	38	17	of	of	ADP
esutjss-163	38	18	people	people	NOUN
esutjss-163	38	19	and	and	CCONJ
esutjss-163	38	20	process	process	NOUN
esutjss-163	38	21	,	,	PUNCT
esutjss-163	38	22	making	make	VERB
esutjss-163	38	23	it	it	PRON
esutjss-163	38	24	a	a	DET
esutjss-163	38	25	tough	tough	ADJ
esutjss-163	38	26	task	task	NOUN
esutjss-163	38	27	(	(	PUNCT
esutjss-163	38	28	higgs	higgs	PROPN
esutjss-163	38	29	&	&	CCONJ
esutjss-163	38	30	rowland	rowland	PROPN
esutjss-163	38	31	,	,	PUNCT
esutjss-163	38	32	2005	2005	NUM
esutjss-163	38	33	)	)	PUNCT
esutjss-163	38	34	.	.	PUNCT
esutjss-163	39	1	previous	previous	ADJ
esutjss-163	39	2	research	research	NOUN
esutjss-163	39	3	has	have	AUX
esutjss-163	39	4	shown	show	VERB
esutjss-163	39	5	that	that	SCONJ
esutjss-163	39	6	digital	digital	ADJ
esutjss-163	39	7	transformation	transformation	NOUN
esutjss-163	39	8	efforts	effort	NOUN
esutjss-163	39	9	fail	fail	VERB
esutjss-163	39	10	at	at	ADP
esutjss-163	39	11	a	a	DET
esutjss-163	39	12	high	high	ADJ
esutjss-163	39	13	rate	rate	NOUN
esutjss-163	39	14	.	.	PUNCT
esutjss-163	40	1	mckinsey	mckinsey	NOUN
esutjss-163	40	2	estimates	estimate	VERB
esutjss-163	40	3	that	that	SCONJ
esutjss-163	40	4	70	70	NUM
esutjss-163	40	5	%	%	NOUN
esutjss-163	40	6	of	of	ADP
esutjss-163	40	7	transformation	transformation	NOUN
esutjss-163	40	8	efforts	effort	NOUN
esutjss-163	40	9	fail	fail	VERB
esutjss-163	40	10	(	(	PUNCT
esutjss-163	40	11	bucy	bucy	NOUN
esutjss-163	40	12	,	,	PUNCT
esutjss-163	40	13	finlayson	finlayson	PROPN
esutjss-163	40	14	,	,	PUNCT
esutjss-163	40	15	kelly	kelly	PROPN
esutjss-163	40	16	,	,	PUNCT
esutjss-163	40	17	&	&	CCONJ
esutjss-163	40	18	moye	moye	PROPN
esutjss-163	40	19	,	,	PUNCT
esutjss-163	40	20	2015	2015	NUM
esutjss-163	40	21	)	)	PUNCT
esutjss-163	40	22	,	,	PUNCT
esutjss-163	40	23	suggesting	suggest	VERB
esutjss-163	40	24	that	that	SCONJ
esutjss-163	40	25	most	most	ADJ
esutjss-163	40	26	insurance	insurance	NOUN
esutjss-163	40	27	companies	company	NOUN
esutjss-163	40	28	lack	lack	VERB
esutjss-163	40	29	this	this	DET
esutjss-163	40	30	skill	skill	NOUN
esutjss-163	40	31	(	(	PUNCT
esutjss-163	40	32	gobble	gobble	ADJ
esutjss-163	40	33	,	,	PUNCT
esutjss-163	40	34	2018	2018	NUM
esutjss-163	40	35	)	)	PUNCT
esutjss-163	40	36	.	.	PUNCT
esutjss-163	41	1	figuring	figure	VERB
esutjss-163	41	2	out	out	ADP
esutjss-163	41	3	how	how	SCONJ
esutjss-163	41	4	to	to	PART
esutjss-163	41	5	execute	execute	VERB
esutjss-163	41	6	the	the	DET
esutjss-163	41	7	digital	digital	ADJ
esutjss-163	41	8	technology	technology	NOUN
esutjss-163	41	9	revolution	revolution	NOUN
esutjss-163	41	10	is	be	AUX
esutjss-163	41	11	one	one	NUM
esutjss-163	41	12	of	of	ADP
esutjss-163	41	13	the	the	DET
esutjss-163	41	14	most	most	ADV
esutjss-163	41	15	challenging	challenging	ADJ
esutjss-163	41	16	tasks	task	NOUN
esutjss-163	41	17	for	for	ADP
esutjss-163	41	18	insurance	insurance	NOUN
esutjss-163	41	19	executives	executive	NOUN
esutjss-163	41	20	.	.	PUNCT
esutjss-163	42	1	the	the	DET
esutjss-163	42	2	nigerian	nigerian	ADJ
esutjss-163	42	3	insurance	insurance	NOUN
esutjss-163	42	4	industry	industry	NOUN
esutjss-163	42	5	is	be	AUX
esutjss-163	42	6	faced	face	VERB
esutjss-163	42	7	with	with	ADP
esutjss-163	42	8	several	several	ADJ
esutjss-163	42	9	challenges	challenge	NOUN
esutjss-163	42	10	that	that	PRON
esutjss-163	42	11	threaten	threaten	VERB
esutjss-163	42	12	its	its	PRON
esutjss-163	42	13	sustainability	sustainability	NOUN
esutjss-163	42	14	.	.	PUNCT
esutjss-163	43	1	these	these	DET
esutjss-163	43	2	challenges	challenge	NOUN
esutjss-163	43	3	include	include	VERB
esutjss-163	43	4	the	the	DET
esutjss-163	43	5	lack	lack	NOUN
esutjss-163	43	6	of	of	ADP
esutjss-163	43	7	accurate	accurate	ADJ
esutjss-163	43	8	and	and	CCONJ
esutjss-163	43	9	timely	timely	ADJ
esutjss-163	43	10	financial	financial	ADJ
esutjss-163	43	11	data	datum	NOUN
esutjss-163	43	12	,	,	PUNCT
esutjss-163	43	13	inefficient	inefficient	ADJ
esutjss-163	43	14	financial	financial	ADJ
esutjss-163	43	15	reporting	reporting	NOUN
esutjss-163	43	16	systems	system	NOUN
esutjss-163	43	17	,	,	PUNCT
esutjss-163	43	18	and	and	CCONJ
esutjss-163	43	19	high	high	ADJ
esutjss-163	43	20	operational	operational	ADJ
esutjss-163	43	21	costs	cost	NOUN
esutjss-163	43	22	.	.	PUNCT
esutjss-163	44	1	these	these	DET
esutjss-163	44	2	challenges	challenge	NOUN
esutjss-163	44	3	can	can	AUX
esutjss-163	44	4	be	be	AUX
esutjss-163	44	5	addressed	address	VERB
esutjss-163	44	6	through	through	ADP
esutjss-163	44	7	the	the	DET
esutjss-163	44	8	adoption	adoption	NOUN
esutjss-163	44	9	of	of	ADP
esutjss-163	44	10	new	new	ADJ
esutjss-163	44	11	generation	generation	NOUN
esutjss-163	44	12	technology	technology	NOUN
esutjss-163	44	13	and	and	CCONJ
esutjss-163	44	14	digital	digital	ADJ
esutjss-163	44	15	accounting	accounting	NOUN
esutjss-163	44	16	tools.in	tools.in	NUM
esutjss-163	44	17	view	view	NOUN
esutjss-163	44	18	of	of	ADP
esutjss-163	44	19	this	this	PRON
esutjss-163	44	20	,	,	PUNCT
esutjss-163	44	21	the	the	DET
esutjss-163	44	22	following	follow	VERB
esutjss-163	44	23	research	research	NOUN
esutjss-163	44	24	objectives	objective	NOUN
esutjss-163	44	25	were	be	AUX
esutjss-163	44	26	formulated	formulate	VERB
esutjss-163	44	27	:	:	PUNCT
esutjss-163	44	28	108	108	NUM
esutjss-163	44	29	i.	i.	NOUN
esutjss-163	44	30	establish	establish	VERB
esutjss-163	44	31	the	the	DET
esutjss-163	44	32	impact	impact	NOUN
esutjss-163	44	33	of	of	ADP
esutjss-163	44	34	new	new	ADJ
esutjss-163	44	35	generation	generation	NOUN
esutjss-163	44	36	technology	technology	NOUN
esutjss-163	44	37	platform	platform	NOUN
esutjss-163	44	38	as	as	ADP
esutjss-163	44	39	a	a	DET
esutjss-163	44	40	digital	digital	ADJ
esutjss-163	44	41	transformation	transformation	NOUN
esutjss-163	44	42	strategy	strategy	NOUN
esutjss-163	44	43	on	on	ADP
esutjss-163	44	44	sustainability	sustainability	NOUN
esutjss-163	44	45	of	of	ADP
esutjss-163	44	46	insurance	insurance	NOUN
esutjss-163	44	47	companies	company	NOUN
esutjss-163	44	48	in	in	ADP
esutjss-163	44	49	nigeria	nigeria	PROPN
esutjss-163	44	50	ii	ii	PROPN
esutjss-163	44	51	.	.	PROPN
esutjss-163	44	52	ascertain	ascertain	VERB
esutjss-163	44	53	the	the	DET
esutjss-163	44	54	impact	impact	NOUN
esutjss-163	44	55	of	of	ADP
esutjss-163	44	56	digital	digital	ADJ
esutjss-163	44	57	accounting	accounting	NOUN
esutjss-163	44	58	tools	tool	NOUN
esutjss-163	44	59	as	as	ADP
esutjss-163	44	60	a	a	DET
esutjss-163	44	61	digital	digital	ADJ
esutjss-163	44	62	transformation	transformation	NOUN
esutjss-163	44	63	strategy	strategy	NOUN
esutjss-163	44	64	on	on	ADP
esutjss-163	44	65	sustainability	sustainability	NOUN
esutjss-163	44	66	of	of	ADP
esutjss-163	44	67	insurance	insurance	NOUN
esutjss-163	44	68	companies	company	NOUN
esutjss-163	44	69	in	in	ADP
esutjss-163	44	70	nigeria	nigeria	PROPN
esutjss-163	44	71	in	in	ADP
esutjss-163	44	72	order	order	NOUN
esutjss-163	44	73	to	to	PART
esutjss-163	44	74	provide	provide	VERB
esutjss-163	44	75	answers	answer	NOUN
esutjss-163	44	76	to	to	ADP
esutjss-163	44	77	the	the	DET
esutjss-163	44	78	above	above	ADJ
esutjss-163	44	79	formulated	formulated	ADJ
esutjss-163	44	80	objectives	objective	NOUN
esutjss-163	44	81	,	,	PUNCT
esutjss-163	44	82	the	the	DET
esutjss-163	44	83	following	follow	VERB
esutjss-163	44	84	hypotheses	hypothesis	NOUN
esutjss-163	44	85	were	be	AUX
esutjss-163	44	86	formulated	formulate	VERB
esutjss-163	44	87	as	as	ADV
esutjss-163	44	88	well	well	ADV
esutjss-163	44	89	:	:	PUNCT
esutjss-163	44	90	ho1	ho1	NOUN
esutjss-163	44	91	:	:	PUNCT
esutjss-163	44	92	new	new	ADJ
esutjss-163	44	93	generation	generation	NOUN
esutjss-163	44	94	technology	technology	NOUN
esutjss-163	44	95	platform	platform	NOUN
esutjss-163	44	96	as	as	ADP
esutjss-163	44	97	a	a	DET
esutjss-163	44	98	digital	digital	ADJ
esutjss-163	44	99	transformation	transformation	NOUN
esutjss-163	44	100	strategy	strategy	NOUN
esutjss-163	44	101	does	do	AUX
esutjss-163	44	102	not	not	PART
esutjss-163	44	103	have	have	VERB
esutjss-163	44	104	an	an	DET
esutjss-163	44	105	impact	impact	NOUN
esutjss-163	44	106	on	on	ADP
esutjss-163	44	107	the	the	DET
esutjss-163	44	108	sustainability	sustainability	NOUN
esutjss-163	44	109	of	of	ADP
esutjss-163	44	110	insurance	insurance	NOUN
esutjss-163	44	111	companies	company	NOUN
esutjss-163	44	112	in	in	ADP
esutjss-163	44	113	nigeria	nigeria	PROPN
esutjss-163	45	1	ho2	ho2	PROPN
esutjss-163	45	2	:	:	PUNCT
esutjss-163	45	3	digital	digital	ADJ
esutjss-163	45	4	accounting	accounting	NOUN
esutjss-163	45	5	tools	tool	NOUN
esutjss-163	45	6	as	as	ADP
esutjss-163	45	7	a	a	DET
esutjss-163	45	8	digital	digital	ADJ
esutjss-163	45	9	transformation	transformation	NOUN
esutjss-163	45	10	strategy	strategy	NOUN
esutjss-163	45	11	does	do	AUX
esutjss-163	45	12	not	not	PART
esutjss-163	45	13	have	have	VERB
esutjss-163	45	14	an	an	DET
esutjss-163	45	15	impact	impact	NOUN
esutjss-163	45	16	on	on	ADP
esutjss-163	45	17	the	the	DET
esutjss-163	45	18	sustainability	sustainability	NOUN
esutjss-163	45	19	of	of	ADP
esutjss-163	45	20	insurance	insurance	NOUN
esutjss-163	45	21	companies	company	NOUN
esutjss-163	45	22	in	in	ADP
esutjss-163	45	23	nigeria	nigeria	PROPN
esutjss-163	45	24	review	review	PROPN
esutjss-163	45	25	of	of	ADP
esutjss-163	45	26	relevant	relevant	ADJ
esutjss-163	45	27	literature	literature	NOUN
esutjss-163	45	28	concept	concept	NOUN
esutjss-163	45	29	of	of	ADP
esutjss-163	45	30	sustainability	sustainability	NOUN
esutjss-163	45	31	in	in	ADP
esutjss-163	45	32	insurance	insurance	NOUN
esutjss-163	45	33	business	business	NOUN
esutjss-163	45	34	a	a	DET
esutjss-163	45	35	sustainable	sustainable	ADJ
esutjss-163	45	36	business	business	NOUN
esutjss-163	45	37	is	be	AUX
esutjss-163	45	38	one	one	NUM
esutjss-163	45	39	that	that	PRON
esutjss-163	45	40	is	be	AUX
esutjss-163	45	41	concerned	concern	VERB
esutjss-163	45	42	with	with	ADP
esutjss-163	45	43	the	the	DET
esutjss-163	45	44	social	social	ADJ
esutjss-163	45	45	,	,	PUNCT
esutjss-163	45	46	environmental	environmental	ADJ
esutjss-163	45	47	,	,	PUNCT
esutjss-163	45	48	and	and	CCONJ
esutjss-163	45	49	economic	economic	ADJ
esutjss-163	45	50	ramifications	ramification	NOUN
esutjss-163	45	51	of	of	ADP
esutjss-163	45	52	its	its	PRON
esutjss-163	45	53	present	present	ADJ
esutjss-163	45	54	and	and	CCONJ
esutjss-163	45	55	future	future	ADJ
esutjss-163	45	56	operations	operation	NOUN
esutjss-163	45	57	,	,	PUNCT
esutjss-163	45	58	as	as	ADV
esutjss-163	45	59	well	well	ADV
esutjss-163	45	60	as	as	ADP
esutjss-163	45	61	the	the	DET
esutjss-163	45	62	company	company	NOUN
esutjss-163	45	63	's	's	PART
esutjss-163	45	64	ability	ability	NOUN
esutjss-163	45	65	to	to	PART
esutjss-163	45	66	meet	meet	VERB
esutjss-163	45	67	current	current	ADJ
esutjss-163	45	68	needs	need	NOUN
esutjss-163	45	69	while	while	SCONJ
esutjss-163	45	70	ensuring	ensure	VERB
esutjss-163	45	71	its	its	PRON
esutjss-163	45	72	own	own	ADJ
esutjss-163	45	73	and	and	CCONJ
esutjss-163	45	74	others	other	NOUN
esutjss-163	45	75	'	'	PART
esutjss-163	45	76	long	long	ADJ
esutjss-163	45	77	-	-	PUNCT
esutjss-163	45	78	term	term	NOUN
esutjss-163	45	79	existence	existence	NOUN
esutjss-163	45	80	.	.	PUNCT
esutjss-163	46	1	a	a	DET
esutjss-163	46	2	sustainable	sustainable	ADJ
esutjss-163	46	3	business	business	NOUN
esutjss-163	46	4	would	would	AUX
esutjss-163	46	5	have	have	VERB
esutjss-163	46	6	a	a	DET
esutjss-163	46	7	positive	positive	ADJ
esutjss-163	46	8	social	social	ADJ
esutjss-163	46	9	,	,	PUNCT
esutjss-163	46	10	environmental	environmental	ADJ
esutjss-163	46	11	,	,	PUNCT
esutjss-163	46	12	and	and	CCONJ
esutjss-163	46	13	economic	economic	ADJ
esutjss-163	46	14	impact	impact	NOUN
esutjss-163	46	15	in	in	ADP
esutjss-163	46	16	an	an	DET
esutjss-163	46	17	ideal	ideal	ADJ
esutjss-163	46	18	society	society	NOUN
esutjss-163	46	19	.	.	PUNCT
esutjss-163	47	1	the	the	DET
esutjss-163	47	2	"	"	PUNCT
esutjss-163	47	3	triple	triple	ADJ
esutjss-163	47	4	bottom	bottom	ADJ
esutjss-163	47	5	line	line	NOUN
esutjss-163	47	6	"	"	PUNCT
esutjss-163	47	7	refers	refer	VERB
esutjss-163	47	8	to	to	ADP
esutjss-163	47	9	a	a	DET
esutjss-163	47	10	company	company	NOUN
esutjss-163	47	11	's	's	PART
esutjss-163	47	12	overall	overall	ADJ
esutjss-163	47	13	contribution	contribution	NOUN
esutjss-163	47	14	to	to	ADP
esutjss-163	47	15	social	social	ADJ
esutjss-163	47	16	equity	equity	NOUN
esutjss-163	47	17	,	,	PUNCT
esutjss-163	47	18	environmental	environmental	ADJ
esutjss-163	47	19	quality	quality	NOUN
esutjss-163	47	20	,	,	PUNCT
esutjss-163	47	21	and	and	CCONJ
esutjss-163	47	22	economic	economic	ADJ
esutjss-163	47	23	prosperity	prosperity	NOUN
esutjss-163	47	24	.	.	PUNCT
esutjss-163	48	1	companies	company	NOUN
esutjss-163	48	2	are	be	AUX
esutjss-163	48	3	increasingly	increasingly	ADV
esutjss-163	48	4	being	be	AUX
esutjss-163	48	5	pushed	push	VERB
esutjss-163	48	6	to	to	PART
esutjss-163	48	7	handle	handle	VERB
esutjss-163	48	8	social	social	ADJ
esutjss-163	48	9	,	,	PUNCT
esutjss-163	48	10	environmental	environmental	ADJ
esutjss-163	48	11	,	,	PUNCT
esutjss-163	48	12	and	and	CCONJ
esutjss-163	48	13	economic	economic	ADJ
esutjss-163	48	14	problems	problem	NOUN
esutjss-163	48	15	that	that	PRON
esutjss-163	48	16	were	be	AUX
esutjss-163	48	17	previously	previously	ADV
esutjss-163	48	18	seen	see	VERB
esutjss-163	48	19	as	as	ADP
esutjss-163	48	20	the	the	DET
esutjss-163	48	21	purview	purview	NOUN
esutjss-163	48	22	of	of	ADP
esutjss-163	48	23	governments	government	NOUN
esutjss-163	48	24	and	and	CCONJ
esutjss-163	48	25	philanthropic	philanthropic	NOUN
esutjss-163	48	26	organizations	organization	NOUN
esutjss-163	48	27	(	(	PUNCT
esutjss-163	48	28	such	such	ADJ
esutjss-163	48	29	as	as	ADP
esutjss-163	48	30	heifer	heifer	NOUN
esutjss-163	48	31	international	international	NOUN
esutjss-163	48	32	,	,	PUNCT
esutjss-163	48	33	a	a	DET
esutjss-163	48	34	global	global	ADJ
esutjss-163	48	35	pioneer	pioneer	NOUN
esutjss-163	48	36	in	in	ADP
esutjss-163	48	37	establishing	establish	VERB
esutjss-163	48	38	sustainable	sustainable	ADJ
esutjss-163	48	39	communities	community	NOUN
esutjss-163	48	40	)	)	PUNCT
esutjss-163	48	41	.	.	PUNCT
esutjss-163	49	1	to	to	PART
esutjss-163	49	2	build	build	VERB
esutjss-163	49	3	the	the	DET
esutjss-163	49	4	framework	framework	NOUN
esutjss-163	49	5	for	for	ADP
esutjss-163	49	6	long	long	ADJ
esutjss-163	49	7	-	-	PUNCT
esutjss-163	49	8	term	term	NOUN
esutjss-163	49	9	success	success	NOUN
esutjss-163	49	10	,	,	PUNCT
esutjss-163	49	11	it	it	PRON
esutjss-163	49	12	is	be	AUX
esutjss-163	49	13	necessary	necessary	ADJ
esutjss-163	49	14	to	to	PART
esutjss-163	49	15	re	re	VERB
esutjss-163	49	16	-	-	VERB
esutjss-163	49	17	examine	examine	VERB
esutjss-163	49	18	the	the	DET
esutjss-163	49	19	business	business	NOUN
esutjss-163	49	20	in	in	ADP
esutjss-163	49	21	terms	term	NOUN
esutjss-163	49	22	of	of	ADP
esutjss-163	49	23	its	its	PRON
esutjss-163	49	24	triple	triple	ADJ
esutjss-163	49	25	bottom	bottom	ADJ
esutjss-163	49	26	line	line	NOUN
esutjss-163	49	27	effect	effect	NOUN
esutjss-163	49	28	and	and	CCONJ
esutjss-163	49	29	performance	performance	NOUN
esutjss-163	49	30	(	(	PUNCT
esutjss-163	49	31	social	social	ADJ
esutjss-163	49	32	,	,	PUNCT
esutjss-163	49	33	environmental	environmental	ADJ
esutjss-163	49	34	,	,	PUNCT
esutjss-163	49	35	and	and	CCONJ
esutjss-163	49	36	economic	economic	ADJ
esutjss-163	49	37	)	)	PUNCT
esutjss-163	49	38	.	.	PUNCT
esutjss-163	50	1	this	this	PRON
esutjss-163	50	2	needs	need	VERB
esutjss-163	50	3	a	a	DET
esutjss-163	50	4	shift	shift	NOUN
esutjss-163	50	5	in	in	ADP
esutjss-163	50	6	perspective	perspective	NOUN
esutjss-163	50	7	away	away	ADV
esutjss-163	50	8	from	from	ADP
esutjss-163	50	9	evaluating	evaluate	VERB
esutjss-163	50	10	a	a	DET
esutjss-163	50	11	firm	firm	NOUN
esutjss-163	50	12	just	just	ADV
esutjss-163	50	13	in	in	ADP
esutjss-163	50	14	terms	term	NOUN
esutjss-163	50	15	of	of	ADP
esutjss-163	50	16	financial	financial	ADJ
esutjss-163	50	17	return	return	NOUN
esutjss-163	50	18	to	to	ADP
esutjss-163	50	19	shareholders	shareholder	NOUN
esutjss-163	50	20	.	.	PUNCT
esutjss-163	51	1	while	while	SCONJ
esutjss-163	51	2	financial	financial	ADJ
esutjss-163	51	3	profit	profit	NOUN
esutjss-163	51	4	is	be	AUX
esutjss-163	51	5	necessary	necessary	ADJ
esutjss-163	51	6	for	for	ADP
esutjss-163	51	7	existence	existence	NOUN
esutjss-163	51	8	,	,	PUNCT
esutjss-163	51	9	a	a	DET
esutjss-163	51	10	sustainable	sustainable	ADJ
esutjss-163	51	11	business	business	NOUN
esutjss-163	51	12	views	view	VERB
esutjss-163	51	13	the	the	DET
esutjss-163	51	14	firm	firm	NOUN
esutjss-163	51	15	,	,	PUNCT
esutjss-163	51	16	its	its	PRON
esutjss-163	51	17	commitments	commitment	NOUN
esutjss-163	51	18	,	,	PUNCT
esutjss-163	51	19	and	and	CCONJ
esutjss-163	51	20	its	its	PRON
esutjss-163	51	21	performance	performance	NOUN
esutjss-163	51	22	as	as	ADP
esutjss-163	51	23	a	a	DET
esutjss-163	51	24	whole	whole	NOUN
esutjss-163	51	25	.	.	PUNCT
esutjss-163	52	1	as	as	ADP
esutjss-163	52	2	a	a	DET
esutjss-163	52	3	result	result	NOUN
esutjss-163	52	4	,	,	PUNCT
esutjss-163	52	5	corporate	corporate	ADJ
esutjss-163	52	6	sustainability	sustainability	NOUN
esutjss-163	52	7	is	be	AUX
esutjss-163	52	8	accessed	access	VERB
esutjss-163	52	9	via	via	ADP
esutjss-163	52	10	three	three	NUM
esutjss-163	52	11	interconnected	interconnected	ADJ
esutjss-163	52	12	lenses	lense	NOUN
esutjss-163	52	13	:	:	PUNCT
esutjss-163	52	14	social	social	ADJ
esutjss-163	52	15	,	,	PUNCT
esutjss-163	52	16	environmental	environmental	ADJ
esutjss-163	52	17	,	,	PUNCT
esutjss-163	52	18	and	and	CCONJ
esutjss-163	52	19	economic	economic	ADJ
esutjss-163	52	20	.	.	PUNCT
esutjss-163	53	1	several	several	ADJ
esutjss-163	53	2	insurers	insurer	NOUN
esutjss-163	53	3	have	have	AUX
esutjss-163	53	4	made	make	VERB
esutjss-163	53	5	financial	financial	ADJ
esutjss-163	53	6	risk	risk	NOUN
esutjss-163	53	7	management	management	NOUN
esutjss-163	53	8	a	a	DET
esutjss-163	53	9	higher	high	ADJ
esutjss-163	53	10	priority	priority	NOUN
esutjss-163	53	11	.	.	PUNCT
esutjss-163	54	1	yet	yet	ADV
esutjss-163	54	2	,	,	PUNCT
esutjss-163	54	3	forwardthinking	forwardthinke	VERB
esutjss-163	54	4	insurers	insurer	NOUN
esutjss-163	54	5	are	be	AUX
esutjss-163	54	6	making	make	VERB
esutjss-163	54	7	gains	gain	NOUN
esutjss-163	54	8	in	in	ADP
esutjss-163	54	9	developing	develop	VERB
esutjss-163	54	10	investment	investment	NOUN
esutjss-163	54	11	methods	method	NOUN
esutjss-163	54	12	to	to	PART
esutjss-163	54	13	engage	engage	VERB
esutjss-163	54	14	in	in	ADP
esutjss-163	54	15	financial	financial	ADJ
esutjss-163	54	16	markets	market	NOUN
esutjss-163	54	17	as	as	ADV
esutjss-163	54	18	well	well	ADV
esutjss-163	54	19	as	as	ADP
esutjss-163	54	20	new	new	ADJ
esutjss-163	54	21	eco	eco	NOUN
esutjss-163	54	22	-	-	PUNCT
esutjss-163	54	23	friendly	friendly	ADJ
esutjss-163	54	24	solutions	solution	NOUN
esutjss-163	54	25	to	to	PART
esutjss-163	54	26	manage	manage	VERB
esutjss-163	54	27	new	new	ADJ
esutjss-163	54	28	,	,	PUNCT
esutjss-163	54	29	difficult	difficult	ADJ
esutjss-163	54	30	,	,	PUNCT
esutjss-163	54	31	and	and	CCONJ
esutjss-163	54	32	sophisticated	sophisticated	ADJ
esutjss-163	54	33	risks	risk	NOUN
esutjss-163	54	34	.	.	PUNCT
esutjss-163	55	1	several	several	ADJ
esutjss-163	55	2	of	of	ADP
esutjss-163	55	3	these	these	DET
esutjss-163	55	4	financial	financial	ADJ
esutjss-163	55	5	products	product	NOUN
esutjss-163	55	6	are	be	AUX
esutjss-163	55	7	concerned	concern	VERB
esutjss-163	55	8	with	with	ADP
esutjss-163	55	9	environmental	environmental	ADJ
esutjss-163	55	10	issues	issue	NOUN
esutjss-163	55	11	such	such	ADJ
esutjss-163	55	12	as	as	ADP
esutjss-163	55	13	green	green	ADJ
esutjss-163	55	14	building	building	NOUN
esutjss-163	55	15	,	,	PUNCT
esutjss-163	55	16	hurricane	hurricane	NOUN
esutjss-163	55	17	-	-	PUNCT
esutjss-163	55	18	resistant	resistant	ADJ
esutjss-163	55	19	design	design	NOUN
esutjss-163	55	20	,	,	PUNCT
esutjss-163	55	21	the	the	DET
esutjss-163	55	22	development	development	NOUN
esutjss-163	55	23	of	of	ADP
esutjss-163	55	24	renewable	renewable	ADJ
esutjss-163	55	25	fuels	fuel	NOUN
esutjss-163	55	26	,	,	PUNCT
esutjss-163	55	27	and	and	CCONJ
esutjss-163	55	28	ecologically	ecologically	ADV
esutjss-163	55	29	friendly	friendly	ADJ
esutjss-163	55	30	driving	driving	NOUN
esutjss-163	55	31	habits	habit	NOUN
esutjss-163	55	32	.	.	PUNCT
esutjss-163	56	1	proactive	proactive	ADJ
esutjss-163	56	2	insurers	insurer	NOUN
esutjss-163	56	3	encourage	encourage	VERB
esutjss-163	56	4	their	their	PRON
esutjss-163	56	5	clients	client	NOUN
esutjss-163	56	6	to	to	PART
esutjss-163	56	7	participate	participate	VERB
esutjss-163	56	8	in	in	ADP
esutjss-163	56	9	the	the	DET
esutjss-163	56	10	insurance	insurance	NOUN
esutjss-163	56	11	sustainability	sustainability	NOUN
esutjss-163	56	12	project	project	NOUN
esutjss-163	56	13	.	.	PUNCT
esutjss-163	57	1	the	the	DET
esutjss-163	57	2	role	role	NOUN
esutjss-163	57	3	of	of	ADP
esutjss-163	57	4	insurance	insurance	NOUN
esutjss-163	57	5	companies	company	NOUN
esutjss-163	57	6	in	in	ADP
esutjss-163	57	7	maintaining	maintain	VERB
esutjss-163	57	8	social	social	ADJ
esutjss-163	57	9	,	,	PUNCT
esutjss-163	57	10	economic	economic	ADJ
esutjss-163	57	11	,	,	PUNCT
esutjss-163	57	12	and	and	CCONJ
esutjss-163	57	13	environmental	environmental	ADJ
esutjss-163	57	14	sustainability	sustainability	NOUN
esutjss-163	57	15	is	be	AUX
esutjss-163	57	16	crucial	crucial	ADJ
esutjss-163	57	17	.	.	PUNCT
esutjss-163	58	1	insurance	insurance	NOUN
esutjss-163	58	2	companies	company	NOUN
esutjss-163	58	3	are	be	AUX
esutjss-163	58	4	increasingly	increasingly	ADV
esutjss-163	58	5	using	use	VERB
esutjss-163	58	6	exclusion	exclusion	NOUN
esutjss-163	58	7	clauses	clause	NOUN
esutjss-163	58	8	and	and	CCONJ
esutjss-163	58	9	tougher	tough	ADJ
esutjss-163	58	10	restrictions	restriction	NOUN
esutjss-163	58	11	to	to	PART
esutjss-163	58	12	urge	urge	VERB
esutjss-163	58	13	clients	client	NOUN
esutjss-163	58	14	to	to	PART
esutjss-163	58	15	make	make	VERB
esutjss-163	58	16	the	the	DET
esutjss-163	58	17	best	good	ADJ
esutjss-163	58	18	choices	choice	NOUN
esutjss-163	58	19	possible	possible	ADJ
esutjss-163	58	20	.	.	PUNCT
esutjss-163	59	1	several	several	ADJ
esutjss-163	59	2	insurance	insurance	NOUN
esutjss-163	59	3	companies	company	NOUN
esutjss-163	59	4	limit	limit	VERB
esutjss-163	59	5	their	their	PRON
esutjss-163	59	6	responsibility	responsibility	NOUN
esutjss-163	59	7	for	for	ADP
esutjss-163	59	8	greenhouse	greenhouse	NOUN
esutjss-163	59	9	gas	gas	NOUN
esutjss-163	59	10	emitters	emitter	NOUN
esutjss-163	59	11	and	and	CCONJ
esutjss-163	59	12	enterprises	enterprise	NOUN
esutjss-163	59	13	that	that	PRON
esutjss-163	59	14	lack	lack	VERB
esutjss-163	59	15	a	a	DET
esutjss-163	59	16	climate	climate	NOUN
esutjss-163	59	17	mitigation	mitigation	NOUN
esutjss-163	59	18	strategy	strategy	NOUN
esutjss-163	59	19	.	.	PUNCT
esutjss-163	60	1	sustainability	sustainability	NOUN
esutjss-163	60	2	challenges	challenge	NOUN
esutjss-163	60	3	have	have	VERB
esutjss-163	60	4	a	a	DET
esutjss-163	60	5	large	large	ADJ
esutjss-163	60	6	influence	influence	NOUN
esutjss-163	60	7	on	on	ADP
esutjss-163	60	8	both	both	CCONJ
esutjss-163	60	9	the	the	DET
esutjss-163	60	10	finance	finance	NOUN
esutjss-163	60	11	department	department	NOUN
esutjss-163	60	12	and	and	CCONJ
esutjss-163	60	13	the	the	DET
esutjss-163	60	14	financial	financial	ADJ
esutjss-163	60	15	sector	sector	NOUN
esutjss-163	60	16	.	.	PUNCT
esutjss-163	61	1	as	as	SCONJ
esutjss-163	61	2	we	we	PRON
esutjss-163	61	3	consider	consider	VERB
esutjss-163	61	4	the	the	DET
esutjss-163	61	5	social	social	ADJ
esutjss-163	61	6	,	,	PUNCT
esutjss-163	61	7	economic	economic	ADJ
esutjss-163	61	8	,	,	PUNCT
esutjss-163	61	9	and	and	CCONJ
esutjss-163	61	10	environmental	environmental	ADJ
esutjss-163	61	11	consequences	consequence	NOUN
esutjss-163	61	12	of	of	ADP
esutjss-163	61	13	business	business	NOUN
esutjss-163	61	14	,	,	PUNCT
esutjss-163	61	15	we	we	PRON
esutjss-163	61	16	must	must	AUX
esutjss-163	61	17	reconsider	reconsider	VERB
esutjss-163	61	18	every	every	DET
esutjss-163	61	19	aspect	aspect	NOUN
esutjss-163	61	20	of	of	ADP
esutjss-163	61	21	finance	finance	NOUN
esutjss-163	61	22	,	,	PUNCT
esutjss-163	61	23	from	from	ADP
esutjss-163	61	24	investments	investment	NOUN
esutjss-163	61	25	to	to	ADP
esutjss-163	61	26	banking	banking	NOUN
esutjss-163	61	27	,	,	PUNCT
esutjss-163	61	28	trade	trade	NOUN
esutjss-163	61	29	to	to	ADP
esutjss-163	61	30	insurance	insurance	NOUN
esutjss-163	61	31	,	,	PUNCT
esutjss-163	61	32	and	and	CCONJ
esutjss-163	61	33	risk	risk	NOUN
esutjss-163	61	34	.	.	PUNCT
esutjss-163	62	1	109	109	NUM
esutjss-163	62	2	conceptual	conceptual	ADJ
esutjss-163	62	3	definitions	definition	NOUN
esutjss-163	62	4	and	and	CCONJ
esutjss-163	62	5	meaning	meaning	NOUN
esutjss-163	62	6	of	of	ADP
esutjss-163	62	7	digitalization	digitalization	NOUN
esutjss-163	62	8	(	(	PUNCT
esutjss-163	62	9	bayerischemotorenwerke	bayerischemotorenwerke	NOUN
esutjss-163	62	10	,	,	PUNCT
esutjss-163	62	11	2015	2015	NUM
esutjss-163	62	12	)	)	PUNCT
esutjss-163	62	13	defines	define	VERB
esutjss-163	62	14	digitization	digitization	NOUN
esutjss-163	62	15	as	as	ADP
esutjss-163	62	16	the	the	DET
esutjss-163	62	17	total	total	ADJ
esutjss-163	62	18	networking	networking	NOUN
esutjss-163	62	19	of	of	ADP
esutjss-163	62	20	all	all	DET
esutjss-163	62	21	sectors	sector	NOUN
esutjss-163	62	22	of	of	ADP
esutjss-163	62	23	business	business	NOUN
esutjss-163	62	24	and	and	CCONJ
esutjss-163	62	25	society	society	NOUN
esutjss-163	62	26	,	,	PUNCT
esutjss-163	62	27	as	as	ADV
esutjss-163	62	28	well	well	ADV
esutjss-163	62	29	as	as	ADP
esutjss-163	62	30	the	the	DET
esutjss-163	62	31	capacity	capacity	NOUN
esutjss-163	62	32	to	to	PART
esutjss-163	62	33	gather	gather	VERB
esutjss-163	62	34	important	important	ADJ
esutjss-163	62	35	information	information	NOUN
esutjss-163	62	36	,	,	PUNCT
esutjss-163	62	37	evaluate	evaluate	VERB
esutjss-163	62	38	it	it	PRON
esutjss-163	62	39	,	,	PUNCT
esutjss-163	62	40	and	and	CCONJ
esutjss-163	62	41	transform	transform	VERB
esutjss-163	62	42	it	it	PRON
esutjss-163	62	43	into	into	ADP
esutjss-163	62	44	actions	action	NOUN
esutjss-163	62	45	.	.	PUNCT
esutjss-163	63	1	change	change	NOUN
esutjss-163	63	2	brings	bring	VERB
esutjss-163	63	3	benefits	benefit	NOUN
esutjss-163	63	4	and	and	CCONJ
esutjss-163	63	5	possibilities	possibility	NOUN
esutjss-163	63	6	,	,	PUNCT
esutjss-163	63	7	but	but	CCONJ
esutjss-163	63	8	it	it	PRON
esutjss-163	63	9	also	also	ADV
esutjss-163	63	10	brings	bring	VERB
esutjss-163	63	11	entirely	entirely	ADV
esutjss-163	63	12	new	new	ADJ
esutjss-163	63	13	obstacles	obstacle	NOUN
esutjss-163	63	14	.	.	PUNCT
esutjss-163	64	1	"	"	PUNCT
esutjss-163	64	2	the	the	DET
esutjss-163	64	3	dbt	dbt	PROPN
esutjss-163	64	4	leadership	leadership	NOUN
esutjss-163	64	5	challenge	challenge	NOUN
esutjss-163	64	6	is	be	AUX
esutjss-163	64	7	about	about	ADP
esutjss-163	64	8	reenergizing	reenergize	VERB
esutjss-163	64	9	firms	firm	NOUN
esutjss-163	64	10	that	that	PRON
esutjss-163	64	11	are	be	AUX
esutjss-163	64	12	currently	currently	ADV
esutjss-163	64	13	successful	successful	ADJ
esutjss-163	64	14	in	in	ADP
esutjss-163	64	15	order	order	NOUN
esutjss-163	64	16	to	to	PART
esutjss-163	64	17	fully	fully	ADV
esutjss-163	64	18	realize	realize	VERB
esutjss-163	64	19	the	the	DET
esutjss-163	64	20	promise	promise	NOUN
esutjss-163	64	21	of	of	ADP
esutjss-163	64	22	information	information	NOUN
esutjss-163	64	23	technology	technology	NOUN
esutjss-163	64	24	across	across	ADP
esutjss-163	64	25	the	the	DET
esutjss-163	64	26	whole	whole	ADJ
esutjss-163	64	27	supply	supply	NOUN
esutjss-163	64	28	chain	chain	NOUN
esutjss-163	64	29	.	.	PUNCT
esutjss-163	64	30	"	"	PUNCT
esutjss-163	65	1	in	in	ADP
esutjss-163	65	2	addition	addition	NOUN
esutjss-163	65	3	,	,	PUNCT
esutjss-163	65	4	westerman	westerman	PROPN
esutjss-163	65	5	,	,	PUNCT
esutjss-163	65	6	calméjane	calméjane	NOUN
esutjss-163	65	7	,	,	PUNCT
esutjss-163	65	8	bonnet	bonnet	NOUN
esutjss-163	65	9	,	,	PUNCT
esutjss-163	65	10	ferraris	ferraris	PROPN
esutjss-163	65	11	,	,	PUNCT
esutjss-163	65	12	and	and	CCONJ
esutjss-163	65	13	mcafee	mcafee	NOUN
esutjss-163	65	14	(	(	PUNCT
esutjss-163	65	15	2011	2011	NUM
esutjss-163	65	16	)	)	PUNCT
esutjss-163	65	17	argue	argue	VERB
esutjss-163	65	18	that	that	SCONJ
esutjss-163	65	19	dt	dt	AUX
esutjss-163	65	20	the	the	DET
esutjss-163	65	21	use	use	NOUN
esutjss-163	65	22	of	of	ADP
esutjss-163	65	23	technology	technology	NOUN
esutjss-163	65	24	to	to	PART
esutjss-163	65	25	dramatically	dramatically	ADV
esutjss-163	65	26	increase	increase	VERB
esutjss-163	65	27	the	the	DET
esutjss-163	65	28	performance	performance	NOUN
esutjss-163	65	29	or	or	CCONJ
esutjss-163	65	30	reach	reach	NOUN
esutjss-163	65	31	of	of	ADP
esutjss-163	65	32	businesses	business	NOUN
esutjss-163	65	33	is	be	AUX
esutjss-163	65	34	becoming	become	VERB
esutjss-163	65	35	a	a	DET
esutjss-163	65	36	popular	popular	ADJ
esutjss-163	65	37	issue	issue	NOUN
esutjss-163	65	38	for	for	ADP
esutjss-163	65	39	businesses	business	NOUN
esutjss-163	65	40	all	all	ADV
esutjss-163	65	41	around	around	ADP
esutjss-163	65	42	the	the	DET
esutjss-163	65	43	world	world	NOUN
esutjss-163	65	44	.	.	PUNCT
esutjss-163	66	1	executives	executive	NOUN
esutjss-163	66	2	in	in	ADP
esutjss-163	66	3	all	all	DET
esutjss-163	66	4	sectors	sector	NOUN
esutjss-163	66	5	are	be	AUX
esutjss-163	66	6	utilizing	utilize	VERB
esutjss-163	66	7	digital	digital	ADJ
esutjss-163	66	8	innovations	innovation	NOUN
esutjss-163	66	9	like	like	ADP
esutjss-163	66	10	analytics	analytic	NOUN
esutjss-163	66	11	,	,	PUNCT
esutjss-163	66	12	mobility	mobility	NOUN
esutjss-163	66	13	,	,	PUNCT
esutjss-163	66	14	social	social	ADJ
esutjss-163	66	15	media	medium	NOUN
esutjss-163	66	16	,	,	PUNCT
esutjss-163	66	17	and	and	CCONJ
esutjss-163	66	18	smart	smart	ADJ
esutjss-163	66	19	embedded	embed	VERB
esutjss-163	66	20	devices	device	NOUN
esutjss-163	66	21	and	and	CCONJ
esutjss-163	66	22	enhancing	enhance	VERB
esutjss-163	66	23	their	their	PRON
esutjss-163	66	24	use	use	NOUN
esutjss-163	66	25	of	of	ADP
esutjss-163	66	26	older	old	ADJ
esutjss-163	66	27	technology	technology	NOUN
esutjss-163	66	28	such	such	ADJ
esutjss-163	66	29	as	as	ADP
esutjss-163	66	30	erp	erp	NOUN
esutjss-163	66	31	to	to	PART
esutjss-163	66	32	improve	improve	VERB
esutjss-163	66	33	customer	customer	NOUN
esutjss-163	66	34	connections	connection	NOUN
esutjss-163	66	35	,	,	PUNCT
esutjss-163	66	36	internal	internal	ADJ
esutjss-163	66	37	processes	process	NOUN
esutjss-163	66	38	,	,	PUNCT
esutjss-163	66	39	and	and	CCONJ
esutjss-163	66	40	value	value	NOUN
esutjss-163	66	41	propositions	proposition	NOUN
esutjss-163	66	42	.	.	PUNCT
esutjss-163	67	1	according	accord	VERB
esutjss-163	67	2	to	to	ADP
esutjss-163	67	3	pwc	pwc	PROPN
esutjss-163	67	4	(	(	PUNCT
esutjss-163	67	5	2013	2013	NUM
esutjss-163	67	6	)	)	PUNCT
esutjss-163	67	7	,	,	PUNCT
esutjss-163	67	8	dt	dt	PUNCT
esutjss-163	67	9	represents	represent	VERB
esutjss-163	67	10	the	the	DET
esutjss-163	67	11	fundamental	fundamental	ADJ
esutjss-163	67	12	change	change	NOUN
esutjss-163	67	13	of	of	ADP
esutjss-163	67	14	the	the	DET
esutjss-163	67	15	whole	whole	ADJ
esutjss-163	67	16	corporate	corporate	ADJ
esutjss-163	67	17	world	world	NOUN
esutjss-163	67	18	through	through	ADP
esutjss-163	67	19	the	the	DET
esutjss-163	67	20	introduction	introduction	NOUN
esutjss-163	67	21	of	of	ADP
esutjss-163	67	22	new	new	ADJ
esutjss-163	67	23	internet	internet	NOUN
esutjss-163	67	24	-	-	PUNCT
esutjss-163	67	25	based	base	VERB
esutjss-163	67	26	technologies	technology	NOUN
esutjss-163	67	27	with	with	ADP
esutjss-163	67	28	a	a	DET
esutjss-163	67	29	fundamental	fundamental	ADJ
esutjss-163	67	30	influence	influence	NOUN
esutjss-163	67	31	on	on	ADP
esutjss-163	67	32	society	society	NOUN
esutjss-163	67	33	as	as	ADP
esutjss-163	67	34	a	a	DET
esutjss-163	67	35	whole	whole	NOUN
esutjss-163	67	36	.	.	PUNCT
esutjss-163	68	1	finally	finally	ADV
esutjss-163	68	2	,	,	PUNCT
esutjss-163	68	3	bouée	bouée	NOUN
esutjss-163	68	4	and	and	CCONJ
esutjss-163	68	5	schaible	schaible	ADJ
esutjss-163	68	6	(	(	PUNCT
esutjss-163	68	7	2015	2015	NUM
esutjss-163	68	8	)	)	PUNCT
esutjss-163	68	9	defined	define	VERB
esutjss-163	68	10	dt	dt	NOUN
esutjss-163	68	11	as	as	ADP
esutjss-163	68	12	the	the	DET
esutjss-163	68	13	constant	constant	ADJ
esutjss-163	68	14	networking	networking	NOUN
esutjss-163	68	15	of	of	ADP
esutjss-163	68	16	all	all	DET
esutjss-163	68	17	sectors	sector	NOUN
esutjss-163	68	18	of	of	ADP
esutjss-163	68	19	the	the	DET
esutjss-163	68	20	economy	economy	NOUN
esutjss-163	68	21	as	as	ADV
esutjss-163	68	22	well	well	ADV
esutjss-163	68	23	as	as	ADP
esutjss-163	68	24	the	the	DET
esutjss-163	68	25	adaptation	adaptation	NOUN
esutjss-163	68	26	of	of	ADP
esutjss-163	68	27	participants	participant	NOUN
esutjss-163	68	28	to	to	ADP
esutjss-163	68	29	the	the	DET
esutjss-163	68	30	new	new	ADJ
esutjss-163	68	31	realities	reality	NOUN
esutjss-163	68	32	of	of	ADP
esutjss-163	68	33	the	the	DET
esutjss-163	68	34	digital	digital	ADJ
esutjss-163	68	35	economy	economy	NOUN
esutjss-163	68	36	.	.	PUNCT
esutjss-163	69	1	choices	choice	NOUN
esutjss-163	69	2	in	in	ADP
esutjss-163	69	3	networked	networked	ADJ
esutjss-163	69	4	systems	system	NOUN
esutjss-163	69	5	comprise	comprise	VERB
esutjss-163	69	6	data	datum	NOUN
esutjss-163	69	7	sharing	sharing	NOUN
esutjss-163	69	8	and	and	CCONJ
esutjss-163	69	9	analysis	analysis	NOUN
esutjss-163	69	10	,	,	PUNCT
esutjss-163	69	11	option	option	NOUN
esutjss-163	69	12	computation	computation	NOUN
esutjss-163	69	13	and	and	CCONJ
esutjss-163	69	14	assessment	assessment	NOUN
esutjss-163	69	15	,	,	PUNCT
esutjss-163	69	16	action	action	NOUN
esutjss-163	69	17	initiation	initiation	NOUN
esutjss-163	69	18	,	,	PUNCT
esutjss-163	69	19	and	and	CCONJ
esutjss-163	69	20	the	the	DET
esutjss-163	69	21	introduction	introduction	NOUN
esutjss-163	69	22	of	of	ADP
esutjss-163	69	23	consequences	consequence	NOUN
esutjss-163	69	24	.	.	PUNCT
esutjss-163	70	1	digitalization	digitalization	NOUN
esutjss-163	70	2	of	of	ADP
esutjss-163	70	3	business	business	NOUN
esutjss-163	70	4	activities	activity	NOUN
esutjss-163	70	5	according	accord	VERB
esutjss-163	70	6	to	to	ADP
esutjss-163	70	7	pricewaterhousecoopers	pricewaterhousecooper	NOUN
esutjss-163	70	8	(	(	PUNCT
esutjss-163	70	9	2013	2013	NUM
esutjss-163	70	10	)	)	PUNCT
esutjss-163	70	11	,	,	PUNCT
esutjss-163	70	12	over	over	ADP
esutjss-163	70	13	many	many	ADJ
esutjss-163	70	14	years	year	NOUN
esutjss-163	70	15	,	,	PUNCT
esutjss-163	70	16	the	the	DET
esutjss-163	70	17	attitude	attitude	NOUN
esutjss-163	70	18	toward	toward	ADP
esutjss-163	70	19	business	business	NOUN
esutjss-163	70	20	and	and	CCONJ
esutjss-163	70	21	its	its	PRON
esutjss-163	70	22	goals	goal	NOUN
esutjss-163	70	23	remained	remain	VERB
esutjss-163	70	24	constant	constant	ADJ
esutjss-163	70	25	.	.	PUNCT
esutjss-163	71	1	it	it	PRON
esutjss-163	71	2	was	be	AUX
esutjss-163	71	3	a	a	DET
esutjss-163	71	4	company	company	NOUN
esutjss-163	71	5	idea	idea	NOUN
esutjss-163	71	6	in	in	ADP
esutjss-163	71	7	which	which	PRON
esutjss-163	71	8	consumers	consumer	NOUN
esutjss-163	71	9	were	be	AUX
esutjss-163	71	10	offered	offer	VERB
esutjss-163	71	11	goods	good	NOUN
esutjss-163	71	12	or	or	CCONJ
esutjss-163	71	13	services	service	NOUN
esutjss-163	71	14	for	for	ADP
esutjss-163	71	15	a	a	DET
esutjss-163	71	16	charge	charge	NOUN
esutjss-163	71	17	,	,	PUNCT
esutjss-163	71	18	with	with	ADP
esutjss-163	71	19	the	the	DET
esutjss-163	71	20	primary	primary	ADJ
esutjss-163	71	21	goal	goal	NOUN
esutjss-163	71	22	of	of	ADP
esutjss-163	71	23	earning	earn	VERB
esutjss-163	71	24	money	money	NOUN
esutjss-163	71	25	for	for	ADP
esutjss-163	71	26	the	the	DET
esutjss-163	71	27	owners	owner	NOUN
esutjss-163	71	28	and	and	CCONJ
esutjss-163	71	29	investors	investor	NOUN
esutjss-163	71	30	.	.	PUNCT
esutjss-163	72	1	a	a	DET
esutjss-163	72	2	substantial	substantial	ADJ
esutjss-163	72	3	amount	amount	NOUN
esutjss-163	72	4	of	of	ADP
esutjss-163	72	5	money	money	NOUN
esutjss-163	72	6	was	be	AUX
esutjss-163	72	7	spent	spend	VERB
esutjss-163	72	8	on	on	ADP
esutjss-163	72	9	operations	operation	NOUN
esutjss-163	72	10	,	,	PUNCT
esutjss-163	72	11	including	include	VERB
esutjss-163	72	12	supplying	supply	VERB
esutjss-163	72	13	goods	good	NOUN
esutjss-163	72	14	or	or	CCONJ
esutjss-163	72	15	services	service	NOUN
esutjss-163	72	16	to	to	ADP
esutjss-163	72	17	customers	customer	NOUN
esutjss-163	72	18	and	and	CCONJ
esutjss-163	72	19	paying	pay	VERB
esutjss-163	72	20	employees	employee	NOUN
esutjss-163	72	21	.	.	PUNCT
esutjss-163	73	1	for	for	ADP
esutjss-163	73	2	the	the	DET
esutjss-163	73	3	time	time	NOUN
esutjss-163	73	4	being	being	NOUN
esutjss-163	73	5	,	,	PUNCT
esutjss-163	73	6	neither	neither	CCONJ
esutjss-163	73	7	the	the	DET
esutjss-163	73	8	model	model	NOUN
esutjss-163	73	9	nor	nor	CCONJ
esutjss-163	73	10	the	the	DET
esutjss-163	73	11	objectives	objective	NOUN
esutjss-163	73	12	of	of	ADP
esutjss-163	73	13	producing	produce	VERB
esutjss-163	73	14	money	money	NOUN
esutjss-163	73	15	(	(	PUNCT
esutjss-163	73	16	as	as	ADP
esutjss-163	73	17	the	the	DET
esutjss-163	73	18	fundamental	fundamental	ADJ
esutjss-163	73	19	goal	goal	NOUN
esutjss-163	73	20	of	of	ADP
esutjss-163	73	21	any	any	DET
esutjss-163	73	22	for	for	ADP
esutjss-163	73	23	-	-	PUNCT
esutjss-163	73	24	profit	profit	NOUN
esutjss-163	73	25	firm	firm	NOUN
esutjss-163	73	26	is	be	AUX
esutjss-163	73	27	to	to	PART
esutjss-163	73	28	generate	generate	VERB
esutjss-163	73	29	income	income	NOUN
esutjss-163	73	30	)	)	PUNCT
esutjss-163	73	31	have	have	AUX
esutjss-163	73	32	changed	change	VERB
esutjss-163	73	33	substantially	substantially	ADV
esutjss-163	73	34	,	,	PUNCT
esutjss-163	73	35	but	but	CCONJ
esutjss-163	73	36	the	the	DET
esutjss-163	73	37	way	way	NOUN
esutjss-163	73	38	of	of	ADP
esutjss-163	73	39	doing	do	VERB
esutjss-163	73	40	business	business	NOUN
esutjss-163	73	41	has	have	VERB
esutjss-163	73	42	.	.	PUNCT
esutjss-163	74	1	companies	company	NOUN
esutjss-163	74	2	must	must	AUX
esutjss-163	74	3	adapt	adapt	VERB
esutjss-163	74	4	to	to	ADP
esutjss-163	74	5	the	the	DET
esutjss-163	74	6	new	new	ADJ
esutjss-163	74	7	conditions	condition	NOUN
esutjss-163	74	8	in	in	ADP
esutjss-163	74	9	order	order	NOUN
esutjss-163	74	10	to	to	PART
esutjss-163	74	11	catch	catch	VERB
esutjss-163	74	12	up	up	ADP
esutjss-163	74	13	and	and	CCONJ
esutjss-163	74	14	win	win	VERB
esutjss-163	74	15	the	the	DET
esutjss-163	74	16	market	market	NOUN
esutjss-163	74	17	and	and	CCONJ
esutjss-163	74	18	avoid	avoid	VERB
esutjss-163	74	19	being	be	AUX
esutjss-163	74	20	in	in	ADP
esutjss-163	74	21	a	a	DET
esutjss-163	74	22	tough	tough	ADJ
esutjss-163	74	23	scenario	scenario	NOUN
esutjss-163	74	24	where	where	SCONJ
esutjss-163	74	25	they	they	PRON
esutjss-163	74	26	receive	receive	VERB
esutjss-163	74	27	little	little	ADJ
esutjss-163	74	28	or	or	CCONJ
esutjss-163	74	29	no	no	PRON
esutjss-163	74	30	response	response	NOUN
esutjss-163	74	31	from	from	ADP
esutjss-163	74	32	clients	client	NOUN
esutjss-163	74	33	while	while	SCONJ
esutjss-163	74	34	spending	spend	VERB
esutjss-163	74	35	a	a	DET
esutjss-163	74	36	lot	lot	NOUN
esutjss-163	74	37	of	of	ADP
esutjss-163	74	38	money	money	NOUN
esutjss-163	74	39	on	on	ADP
esutjss-163	74	40	things	thing	NOUN
esutjss-163	74	41	like	like	ADP
esutjss-163	74	42	marketing	marketing	NOUN
esutjss-163	74	43	activities	activity	NOUN
esutjss-163	74	44	(	(	PUNCT
esutjss-163	74	45	westerman	westerman	PROPN
esutjss-163	74	46	et	et	PROPN
esutjss-163	74	47	al	al	PROPN
esutjss-163	74	48	.	.	PROPN
esutjss-163	74	49	,	,	PUNCT
esutjss-163	74	50	2011	2011	NUM
esutjss-163	74	51	)	)	PUNCT
esutjss-163	74	52	.	.	PUNCT
esutjss-163	75	1	digitalization	digitalization	NOUN
esutjss-163	75	2	has	have	AUX
esutjss-163	75	3	resulted	result	VERB
esutjss-163	75	4	in	in	ADP
esutjss-163	75	5	a	a	DET
esutjss-163	75	6	large	large	ADJ
esutjss-163	75	7	-	-	PUNCT
esutjss-163	75	8	scale	scale	NOUN
esutjss-163	75	9	and	and	CCONJ
esutjss-163	75	10	quick	quick	ADJ
esutjss-163	75	11	transition	transition	NOUN
esutjss-163	75	12	across	across	ADP
esutjss-163	75	13	numerous	numerous	ADJ
esutjss-163	75	14	aspects	aspect	NOUN
esutjss-163	75	15	of	of	ADP
esutjss-163	75	16	the	the	DET
esutjss-163	75	17	business	business	NOUN
esutjss-163	75	18	,	,	PUNCT
esutjss-163	75	19	presenting	present	VERB
esutjss-163	75	20	both	both	DET
esutjss-163	75	21	immense	immense	ADJ
esutjss-163	75	22	opportunities	opportunity	NOUN
esutjss-163	75	23	for	for	ADP
esutjss-163	75	24	growth	growth	NOUN
esutjss-163	75	25	and	and	CCONJ
esutjss-163	75	26	development	development	NOUN
esutjss-163	75	27	as	as	ADV
esutjss-163	75	28	well	well	ADV
esutjss-163	75	29	as	as	ADP
esutjss-163	75	30	major	major	ADJ
esutjss-163	75	31	dangers	danger	NOUN
esutjss-163	75	32	.	.	PUNCT
esutjss-163	76	1	according	accord	VERB
esutjss-163	76	2	to	to	ADP
esutjss-163	76	3	business	business	NOUN
esutjss-163	76	4	experts	expert	NOUN
esutjss-163	76	5	,	,	PUNCT
esutjss-163	76	6	the	the	DET
esutjss-163	76	7	role	role	NOUN
esutjss-163	76	8	of	of	ADP
esutjss-163	76	9	digital	digital	ADJ
esutjss-163	76	10	technology	technology	NOUN
esutjss-163	76	11	is	be	AUX
esutjss-163	76	12	rapidly	rapidly	ADV
esutjss-163	76	13	evolving	evolve	VERB
esutjss-163	76	14	from	from	ADP
esutjss-163	76	15	a	a	DET
esutjss-163	76	16	driver	driver	NOUN
esutjss-163	76	17	of	of	ADP
esutjss-163	76	18	marginal	marginal	ADJ
esutjss-163	76	19	efficiency	efficiency	NOUN
esutjss-163	76	20	to	to	ADP
esutjss-163	76	21	a	a	DET
esutjss-163	76	22	facilitator	facilitator	NOUN
esutjss-163	76	23	of	of	ADP
esutjss-163	76	24	fundamental	fundamental	ADJ
esutjss-163	76	25	innovation	innovation	NOUN
esutjss-163	76	26	and	and	CCONJ
esutjss-163	76	27	disruption	disruption	NOUN
esutjss-163	76	28	(	(	PUNCT
esutjss-163	76	29	world	world	PROPN
esutjss-163	76	30	economic	economic	PROPN
esutjss-163	76	31	forum	forum	PROPN
esutjss-163	76	32	,	,	PUNCT
esutjss-163	76	33	2016	2016	NUM
esutjss-163	76	34	)	)	PUNCT
esutjss-163	76	35	.	.	PUNCT
esutjss-163	77	1	with	with	ADP
esutjss-163	77	2	such	such	DET
esutjss-163	77	3	a	a	DET
esutjss-163	77	4	rapidly	rapidly	ADV
esutjss-163	77	5	changing	change	VERB
esutjss-163	77	6	economy	economy	NOUN
esutjss-163	77	7	and	and	CCONJ
esutjss-163	77	8	world	world	NOUN
esutjss-163	77	9	of	of	ADP
esutjss-163	77	10	digital	digital	ADJ
esutjss-163	77	11	technology	technology	NOUN
esutjss-163	77	12	,	,	PUNCT
esutjss-163	77	13	businesses	business	NOUN
esutjss-163	77	14	must	must	AUX
esutjss-163	77	15	constantly	constantly	ADV
esutjss-163	77	16	modify	modify	VERB
esutjss-163	77	17	their	their	PRON
esutjss-163	77	18	offerings	offering	NOUN
esutjss-163	77	19	to	to	PART
esutjss-163	77	20	meet	meet	VERB
esutjss-163	77	21	the	the	DET
esutjss-163	77	22	rapidly	rapidly	ADV
esutjss-163	77	23	increasing	increase	VERB
esutjss-163	77	24	needs	need	NOUN
esutjss-163	77	25	of	of	ADP
esutjss-163	77	26	digital	digital	ADJ
esutjss-163	77	27	clients	client	NOUN
esutjss-163	77	28	(	(	PUNCT
esutjss-163	77	29	world	world	PROPN
esutjss-163	77	30	economic	economic	PROPN
esutjss-163	77	31	forum	forum	PROPN
esutjss-163	77	32	,	,	PUNCT
esutjss-163	77	33	2018	2018	NUM
esutjss-163	77	34	)	)	PUNCT
esutjss-163	77	35	.	.	PUNCT
esutjss-163	78	1	investing	invest	VERB
esutjss-163	78	2	in	in	ADP
esutjss-163	78	3	cutting	cut	VERB
esutjss-163	78	4	-	-	PUNCT
esutjss-163	78	5	edge	edge	NOUN
esutjss-163	78	6	digital	digital	ADJ
esutjss-163	78	7	technology	technology	NOUN
esutjss-163	78	8	is	be	AUX
esutjss-163	78	9	insufficient	insufficient	ADJ
esutjss-163	78	10	to	to	PART
esutjss-163	78	11	turn	turn	VERB
esutjss-163	78	12	a	a	DET
esutjss-163	78	13	company	company	NOUN
esutjss-163	78	14	into	into	ADP
esutjss-163	78	15	a	a	DET
esutjss-163	78	16	digital	digital	ADJ
esutjss-163	78	17	one	one	NUM
esutjss-163	78	18	.	.	PUNCT
esutjss-163	79	1	the	the	DET
esutjss-163	79	2	world	world	PROPN
esutjss-163	79	3	economic	economic	PROPN
esutjss-163	79	4	forum	forum	PROPN
esutjss-163	79	5	(	(	PUNCT
esutjss-163	79	6	2016	2016	NUM
esutjss-163	79	7	)	)	PUNCT
esutjss-163	79	8	and	and	CCONJ
esutjss-163	79	9	world	world	PROPN
esutjss-163	79	10	economic	economic	ADJ
esutjss-163	79	11	forum	forum	PROPN
esutjss-163	79	12	(	(	PUNCT
esutjss-163	79	13	2019	2019	NUM
esutjss-163	79	14	)	)	PUNCT
esutjss-163	79	15	make	make	VERB
esutjss-163	79	16	several	several	ADJ
esutjss-163	79	17	recommendations	recommendation	NOUN
esutjss-163	79	18	for	for	ADP
esutjss-163	79	19	firms	firm	NOUN
esutjss-163	79	20	embarking	embark	VERB
esutjss-163	79	21	on	on	ADP
esutjss-163	79	22	the	the	DET
esutjss-163	79	23	digital	digital	ADJ
esutjss-163	79	24	transformation	transformation	NOUN
esutjss-163	79	25	journey	journey	NOUN
esutjss-163	79	26	.	.	PUNCT
esutjss-163	80	1	during	during	ADP
esutjss-163	80	2	the	the	DET
esutjss-163	80	3	digital	digital	ADJ
esutjss-163	80	4	transformation	transformation	NOUN
esutjss-163	80	5	,	,	PUNCT
esutjss-163	80	6	businesses	business	NOUN
esutjss-163	80	7	must	must	AUX
esutjss-163	80	8	identify	identify	VERB
esutjss-163	80	9	and	and	CCONJ
esutjss-163	80	10	design	design	VERB
esutjss-163	80	11	a	a	DET
esutjss-163	80	12	new	new	ADJ
esutjss-163	80	13	digital	digital	ADJ
esutjss-163	80	14	model	model	NOUN
esutjss-163	80	15	that	that	PRON
esutjss-163	80	16	is	be	AUX
esutjss-163	80	17	adapted	adapt	VERB
esutjss-163	80	18	to	to	ADP
esutjss-163	80	19	the	the	DET
esutjss-163	80	20	company	company	NOUN
esutjss-163	80	21	's	's	PART
esutjss-163	80	22	needs	need	NOUN
esutjss-163	80	23	,	,	PUNCT
esutjss-163	80	24	as	as	ADV
esutjss-163	80	25	well	well	ADV
esutjss-163	80	26	as	as	ADP
esutjss-163	80	27	suitable	suitable	ADJ
esutjss-163	80	28	and	and	CCONJ
esutjss-163	80	29	efficient	efficient	ADJ
esutjss-163	80	30	.	.	PUNCT
esutjss-163	81	1	businesses	business	NOUN
esutjss-163	81	2	must	must	AUX
esutjss-163	81	3	also	also	ADV
esutjss-163	81	4	re	re	VERB
esutjss-163	81	5	-	-	VERB
esutjss-163	81	6	examine	examine	VERB
esutjss-163	81	7	all	all	DET
esutjss-163	81	8	aspects	aspect	NOUN
esutjss-163	81	9	of	of	ADP
esutjss-163	81	10	their	their	PRON
esutjss-163	81	11	operations	operation	NOUN
esutjss-163	81	12	.	.	PUNCT
esutjss-163	82	1	because	because	SCONJ
esutjss-163	82	2	the	the	DET
esutjss-163	82	3	digital	digital	ADJ
esutjss-163	82	4	company	company	NOUN
esutjss-163	82	5	provides	provide	VERB
esutjss-163	82	6	value	value	NOUN
esutjss-163	82	7	to	to	ADP
esutjss-163	82	8	core	core	NOUN
esutjss-163	82	9	firms	firm	NOUN
esutjss-163	82	10	,	,	PUNCT
esutjss-163	82	11	executives	executive	NOUN
esutjss-163	82	12	are	be	AUX
esutjss-163	82	13	always	always	ADV
esutjss-163	82	14	analyzing	analyze	VERB
esutjss-163	82	15	how	how	SCONJ
esutjss-163	82	16	consumers	consumer	NOUN
esutjss-163	82	17	are	be	AUX
esutjss-163	82	18	treated	treat	VERB
esutjss-163	82	19	and	and	CCONJ
esutjss-163	82	20	exploring	explore	VERB
esutjss-163	82	21	ways	way	NOUN
esutjss-163	82	22	to	to	PART
esutjss-163	82	23	improve	improve	VERB
esutjss-163	82	24	the	the	DET
esutjss-163	82	25	process	process	NOUN
esutjss-163	82	26	.	.	PUNCT
esutjss-163	83	1	many	many	ADJ
esutjss-163	83	2	organizations	organization	NOUN
esutjss-163	83	3	are	be	AUX
esutjss-163	83	4	anxious	anxious	ADJ
esutjss-163	83	5	,	,	PUNCT
esutjss-163	83	6	if	if	SCONJ
esutjss-163	83	7	not	not	PART
esutjss-163	83	8	scared	scared	ADJ
esutjss-163	83	9	,	,	PUNCT
esutjss-163	83	10	about	about	ADP
esutjss-163	83	11	moving	move	VERB
esutjss-163	83	12	toward	toward	ADP
esutjss-163	83	13	digitization	digitization	NOUN
esutjss-163	83	14	because	because	SCONJ
esutjss-163	83	15	it	it	PRON
esutjss-163	83	16	includes	include	VERB
esutjss-163	83	17	a	a	DET
esutjss-163	83	18	number	number	NOUN
esutjss-163	83	19	of	of	ADP
esutjss-163	83	20	risks	risk	NOUN
esutjss-163	83	21	,	,	PUNCT
esutjss-163	83	22	including	include	VERB
esutjss-163	83	23	major	major	ADJ
esutjss-163	83	24	revenue	revenue	NOUN
esutjss-163	83	25	,	,	PUNCT
esutjss-163	83	26	share	share	NOUN
esutjss-163	83	27	,	,	PUNCT
esutjss-163	83	28	capital	capital	NOUN
esutjss-163	83	29	,	,	PUNCT
esutjss-163	83	30	and	and	CCONJ
esutjss-163	83	31	reputation	reputation	NOUN
esutjss-163	83	32	losses	loss	NOUN
esutjss-163	83	33	(	(	PUNCT
esutjss-163	83	34	mahmood	mahmood	NOUN
esutjss-163	83	35	,	,	PUNCT
esutjss-163	83	36	2019	2019	NUM
esutjss-163	83	37	)	)	PUNCT
esutjss-163	83	38	.	.	PUNCT
esutjss-163	84	1	but	but	CCONJ
esutjss-163	84	2	it	it	PRON
esutjss-163	84	3	's	be	AUX
esutjss-163	84	4	important	important	ADJ
esutjss-163	84	5	to	to	PART
esutjss-163	84	6	remember	remember	VERB
esutjss-163	84	7	that	that	SCONJ
esutjss-163	84	8	successful	successful	ADJ
esutjss-163	84	9	digital	digital	ADJ
esutjss-163	84	10	organizations	organization	NOUN
esutjss-163	84	11	are	be	AUX
esutjss-163	84	12	n't	not	PART
esutjss-163	84	13	110	110	NUM
esutjss-163	84	14	afraid	afraid	ADJ
esutjss-163	84	15	to	to	PART
esutjss-163	84	16	take	take	VERB
esutjss-163	84	17	risks	risk	NOUN
esutjss-163	84	18	and	and	CCONJ
esutjss-163	84	19	are	be	AUX
esutjss-163	84	20	ready	ready	ADJ
esutjss-163	84	21	to	to	PART
esutjss-163	84	22	do	do	VERB
esutjss-163	84	23	so	so	ADV
esutjss-163	84	24	.	.	PUNCT
esutjss-163	85	1	this	this	PRON
esutjss-163	85	2	is	be	AUX
esutjss-163	85	3	not	not	PART
esutjss-163	85	4	to	to	PART
esutjss-163	85	5	argue	argue	VERB
esutjss-163	85	6	that	that	SCONJ
esutjss-163	85	7	these	these	DET
esutjss-163	85	8	companies	company	NOUN
esutjss-163	85	9	plan	plan	VERB
esutjss-163	85	10	ahead	ahead	ADV
esutjss-163	85	11	,	,	PUNCT
esutjss-163	85	12	but	but	CCONJ
esutjss-163	85	13	it	it	PRON
esutjss-163	85	14	does	do	AUX
esutjss-163	85	15	imply	imply	VERB
esutjss-163	85	16	that	that	SCONJ
esutjss-163	85	17	they	they	PRON
esutjss-163	85	18	examine	examine	VERB
esutjss-163	85	19	the	the	DET
esutjss-163	85	20	dangers	danger	NOUN
esutjss-163	85	21	they	they	PRON
esutjss-163	85	22	face	face	VERB
esutjss-163	85	23	.	.	PUNCT
esutjss-163	86	1	experimenting	experiment	VERB
esutjss-163	86	2	with	with	ADP
esutjss-163	86	3	new	new	ADJ
esutjss-163	86	4	market	market	NOUN
esutjss-163	86	5	offerings	offering	NOUN
esutjss-163	86	6	,	,	PUNCT
esutjss-163	86	7	propositions	proposition	NOUN
esutjss-163	86	8	,	,	PUNCT
esutjss-163	86	9	products	product	NOUN
esutjss-163	86	10	,	,	PUNCT
esutjss-163	86	11	or	or	CCONJ
esutjss-163	86	12	services	service	NOUN
esutjss-163	86	13	is	be	AUX
esutjss-163	86	14	an	an	DET
esutjss-163	86	15	excellent	excellent	ADJ
esutjss-163	86	16	way	way	NOUN
esutjss-163	86	17	to	to	PART
esutjss-163	86	18	learn	learn	VERB
esutjss-163	86	19	about	about	ADP
esutjss-163	86	20	the	the	DET
esutjss-163	86	21	market	market	NOUN
esutjss-163	86	22	,	,	PUNCT
esutjss-163	86	23	consumers	consumer	NOUN
esutjss-163	86	24	,	,	PUNCT
esutjss-163	86	25	and	and	CCONJ
esutjss-163	86	26	their	their	PRON
esutjss-163	86	27	reactions	reaction	NOUN
esutjss-163	86	28	and	and	CCONJ
esutjss-163	86	29	preferences	preference	NOUN
esutjss-163	86	30	.	.	PUNCT
esutjss-163	87	1	transitions	transition	NOUN
esutjss-163	87	2	are	be	AUX
esutjss-163	87	3	risky	risky	ADJ
esutjss-163	87	4	,	,	PUNCT
esutjss-163	87	5	but	but	CCONJ
esutjss-163	87	6	they	they	PRON
esutjss-163	87	7	are	be	AUX
esutjss-163	87	8	a	a	DET
esutjss-163	87	9	wonderful	wonderful	ADJ
esutjss-163	87	10	way	way	NOUN
esutjss-163	87	11	to	to	PART
esutjss-163	87	12	learn	learn	VERB
esutjss-163	87	13	what	what	PRON
esutjss-163	87	14	works	work	VERB
esutjss-163	87	15	in	in	ADP
esutjss-163	87	16	the	the	DET
esutjss-163	87	17	market	market	NOUN
esutjss-163	87	18	.	.	PUNCT
esutjss-163	88	1	the	the	DET
esutjss-163	88	2	digital	digital	ADJ
esutjss-163	88	3	organization	organization	NOUN
esutjss-163	88	4	should	should	AUX
esutjss-163	88	5	continue	continue	VERB
esutjss-163	88	6	to	to	PART
esutjss-163	88	7	investigate	investigate	VERB
esutjss-163	88	8	and	and	CCONJ
esutjss-163	88	9	test	test	VERB
esutjss-163	88	10	in	in	ADP
esutjss-163	88	11	order	order	NOUN
esutjss-163	88	12	to	to	PART
esutjss-163	88	13	develop	develop	VERB
esutjss-163	88	14	a	a	DET
esutjss-163	88	15	solid	solid	ADJ
esutjss-163	88	16	and	and	CCONJ
esutjss-163	88	17	efficient	efficient	ADJ
esutjss-163	88	18	strategy	strategy	NOUN
esutjss-163	88	19	,	,	PUNCT
esutjss-163	88	20	and	and	CCONJ
esutjss-163	88	21	once	once	ADV
esutjss-163	88	22	that	that	DET
esutjss-163	88	23	plan	plan	NOUN
esutjss-163	88	24	is	be	AUX
esutjss-163	88	25	developed	develop	VERB
esutjss-163	88	26	,	,	PUNCT
esutjss-163	88	27	it	it	PRON
esutjss-163	88	28	should	should	AUX
esutjss-163	88	29	put	put	VERB
esutjss-163	88	30	all	all	PRON
esutjss-163	88	31	of	of	ADP
esutjss-163	88	32	its	its	PRON
esutjss-163	88	33	resources	resource	NOUN
esutjss-163	88	34	behind	behind	ADP
esutjss-163	88	35	it	it	PRON
esutjss-163	88	36	to	to	PART
esutjss-163	88	37	support	support	VERB
esutjss-163	88	38	it	it	PRON
esutjss-163	88	39	.	.	PUNCT
esutjss-163	89	1	targeting	target	VERB
esutjss-163	89	2	is	be	AUX
esutjss-163	89	3	a	a	DET
esutjss-163	89	4	good	good	ADJ
esutjss-163	89	5	thing	thing	NOUN
esutjss-163	89	6	,	,	PUNCT
esutjss-163	89	7	even	even	ADV
esutjss-163	89	8	if	if	SCONJ
esutjss-163	89	9	it	it	PRON
esutjss-163	89	10	is	be	AUX
esutjss-163	89	11	risky	risky	ADJ
esutjss-163	89	12	,	,	PUNCT
esutjss-163	89	13	and	and	CCONJ
esutjss-163	89	14	it	it	PRON
esutjss-163	89	15	is	be	AUX
esutjss-163	89	16	the	the	DET
esutjss-163	89	17	strategy	strategy	NOUN
esutjss-163	89	18	utilized	utilize	VERB
esutjss-163	89	19	by	by	ADP
esutjss-163	89	20	successful	successful	ADJ
esutjss-163	89	21	digital	digital	ADJ
esutjss-163	89	22	firms	firm	NOUN
esutjss-163	89	23	(	(	PUNCT
esutjss-163	89	24	mahmood	mahmood	PROPN
esutjss-163	89	25	,	,	PUNCT
esutjss-163	89	26	2019	2019	NUM
esutjss-163	89	27	)	)	PUNCT
esutjss-163	89	28	.	.	PUNCT
esutjss-163	90	1	digital	digital	ADJ
esutjss-163	90	2	transformation	transformation	NOUN
esutjss-163	90	3	the	the	DET
esutjss-163	90	4	process	process	NOUN
esutjss-163	90	5	of	of	ADP
esutjss-163	90	6	leveraging	leverage	VERB
esutjss-163	90	7	digital	digital	ADJ
esutjss-163	90	8	technology	technology	NOUN
esutjss-163	90	9	to	to	PART
esutjss-163	90	10	develop	develop	VERB
esutjss-163	90	11	new	new	ADJ
esutjss-163	90	12	or	or	CCONJ
esutjss-163	90	13	adapt	adapt	VERB
esutjss-163	90	14	current	current	ADJ
esutjss-163	90	15	company	company	NOUN
esutjss-163	90	16	processes	process	NOUN
esutjss-163	90	17	,	,	PUNCT
esutjss-163	90	18	culture	culture	NOUN
esutjss-163	90	19	,	,	PUNCT
esutjss-163	90	20	and	and	CCONJ
esutjss-163	90	21	customer	customer	NOUN
esutjss-163	90	22	experiences	experience	NOUN
esutjss-163	90	23	to	to	PART
esutjss-163	90	24	satisfy	satisfy	VERB
esutjss-163	90	25	changing	change	VERB
esutjss-163	90	26	business	business	NOUN
esutjss-163	90	27	and	and	CCONJ
esutjss-163	90	28	market	market	NOUN
esutjss-163	90	29	requirements	requirement	NOUN
esutjss-163	90	30	is	be	AUX
esutjss-163	90	31	known	know	VERB
esutjss-163	90	32	as	as	ADP
esutjss-163	90	33	digital	digital	ADJ
esutjss-163	90	34	transformation	transformation	NOUN
esutjss-163	90	35	.	.	PUNCT
esutjss-163	91	1	digital	digital	ADJ
esutjss-163	91	2	transformation	transformation	NOUN
esutjss-163	91	3	is	be	AUX
esutjss-163	91	4	the	the	DET
esutjss-163	91	5	redesigning	redesigning	NOUN
esutjss-163	91	6	of	of	ADP
esutjss-163	91	7	business	business	NOUN
esutjss-163	91	8	in	in	ADP
esutjss-163	91	9	the	the	DET
esutjss-163	91	10	digital	digital	ADJ
esutjss-163	91	11	era	era	NOUN
esutjss-163	91	12	(	(	PUNCT
esutjss-163	91	13	peter	peter	PROPN
esutjss-163	91	14	et	et	PROPN
esutjss-163	91	15	al	al	PROPN
esutjss-163	91	16	.	.	PROPN
esutjss-163	91	17	,	,	PUNCT
esutjss-163	91	18	2020	2020	NUM
esutjss-163	91	19	)	)	PUNCT
esutjss-163	91	20	.	.	PUNCT
esutjss-163	92	1	digital	digital	ADJ
esutjss-163	92	2	transformation	transformation	NOUN
esutjss-163	92	3	enables	enable	VERB
esutjss-163	92	4	a	a	DET
esutjss-163	92	5	business	business	NOUN
esutjss-163	92	6	to	to	PART
esutjss-163	92	7	stay	stay	VERB
esutjss-163	92	8	up	up	ADP
esutjss-163	92	9	with	with	ADP
esutjss-163	92	10	changing	change	VERB
esutjss-163	92	11	client	client	NOUN
esutjss-163	92	12	needs	need	NOUN
esutjss-163	92	13	and	and	CCONJ
esutjss-163	92	14	,	,	PUNCT
esutjss-163	92	15	as	as	ADP
esutjss-163	92	16	a	a	DET
esutjss-163	92	17	result	result	NOUN
esutjss-163	92	18	,	,	PUNCT
esutjss-163	92	19	to	to	PART
esutjss-163	92	20	thrive	thrive	VERB
esutjss-163	92	21	in	in	ADP
esutjss-163	92	22	the	the	DET
esutjss-163	92	23	future	future	NOUN
esutjss-163	92	24	.	.	PUNCT
esutjss-163	93	1	it	it	PRON
esutjss-163	93	2	enables	enable	VERB
esutjss-163	93	3	businesses	business	NOUN
esutjss-163	93	4	to	to	PART
esutjss-163	93	5	compete	compete	VERB
esutjss-163	93	6	more	more	ADV
esutjss-163	93	7	effectively	effectively	ADV
esutjss-163	93	8	in	in	ADP
esutjss-163	93	9	an	an	DET
esutjss-163	93	10	economic	economic	ADJ
esutjss-163	93	11	environment	environment	NOUN
esutjss-163	93	12	that	that	PRON
esutjss-163	93	13	is	be	AUX
esutjss-163	93	14	continually	continually	ADV
esutjss-163	93	15	changing	change	VERB
esutjss-163	93	16	as	as	ADP
esutjss-163	93	17	a	a	DET
esutjss-163	93	18	result	result	NOUN
esutjss-163	93	19	of	of	ADP
esutjss-163	93	20	technological	technological	ADJ
esutjss-163	93	21	advancements	advancement	NOUN
esutjss-163	93	22	.	.	PUNCT
esutjss-163	94	1	digital	digital	ADJ
esutjss-163	94	2	transformation	transformation	NOUN
esutjss-163	94	3	provides	provide	VERB
esutjss-163	94	4	a	a	DET
esutjss-163	94	5	tremendous	tremendous	ADJ
esutjss-163	94	6	opportunity	opportunity	NOUN
esutjss-163	94	7	for	for	ADP
esutjss-163	94	8	fundamental	fundamental	ADJ
esutjss-163	94	9	company	company	NOUN
esutjss-163	94	10	departments	department	NOUN
esutjss-163	94	11	like	like	VERB
esutjss-163	94	12	as	as	SCONJ
esutjss-163	94	13	finance	finance	NOUN
esutjss-163	94	14	and	and	CCONJ
esutjss-163	94	15	human	human	ADJ
esutjss-163	94	16	resources	resource	NOUN
esutjss-163	94	17	to	to	PART
esutjss-163	94	18	transition	transition	VERB
esutjss-163	94	19	away	away	ADV
esutjss-163	94	20	from	from	ADP
esutjss-163	94	21	manual	manual	ADJ
esutjss-163	94	22	procedures	procedure	NOUN
esutjss-163	94	23	and	and	CCONJ
esutjss-163	94	24	automate	automate	VERB
esutjss-163	94	25	essential	essential	ADJ
esutjss-163	94	26	areas	area	NOUN
esutjss-163	94	27	such	such	ADJ
esutjss-163	94	28	as	as	ADP
esutjss-163	94	29	payroll	payroll	NOUN
esutjss-163	94	30	,	,	PUNCT
esutjss-163	94	31	allowing	allow	VERB
esutjss-163	94	32	executives	executive	NOUN
esutjss-163	94	33	to	to	PART
esutjss-163	94	34	focus	focus	VERB
esutjss-163	94	35	on	on	ADP
esutjss-163	94	36	larger	large	ADJ
esutjss-163	94	37	business	business	NOUN
esutjss-163	94	38	prospects	prospect	NOUN
esutjss-163	94	39	(	(	PUNCT
esutjss-163	94	40	hilali	hilali	PROPN
esutjss-163	94	41	et	et	PROPN
esutjss-163	94	42	al	al	PROPN
esutjss-163	94	43	.	.	PROPN
esutjss-163	94	44	,	,	PUNCT
esutjss-163	94	45	2020	2020	NUM
esutjss-163	94	46	)	)	PUNCT
esutjss-163	94	47	.	.	PUNCT
esutjss-163	95	1	a	a	DET
esutjss-163	95	2	digital	digital	ADJ
esutjss-163	95	3	enterprise	enterprise	NOUN
esutjss-163	95	4	is	be	AUX
esutjss-163	95	5	a	a	DET
esutjss-163	95	6	company	company	NOUN
esutjss-163	95	7	that	that	PRON
esutjss-163	95	8	uses	use	VERB
esutjss-163	95	9	technology	technology	NOUN
esutjss-163	95	10	to	to	PART
esutjss-163	95	11	continually	continually	ADV
esutjss-163	95	12	change	change	VERB
esutjss-163	95	13	all	all	DET
esutjss-163	95	14	parts	part	NOUN
esutjss-163	95	15	of	of	ADP
esutjss-163	95	16	its	its	PRON
esutjss-163	95	17	business	business	NOUN
esutjss-163	95	18	models	model	NOUN
esutjss-163	95	19	(	(	PUNCT
esutjss-163	95	20	what	what	PRON
esutjss-163	95	21	it	it	PRON
esutjss-163	95	22	offers	offer	VERB
esutjss-163	95	23	,	,	PUNCT
esutjss-163	95	24	how	how	SCONJ
esutjss-163	95	25	it	it	PRON
esutjss-163	95	26	interacts	interact	VERB
esutjss-163	95	27	with	with	ADP
esutjss-163	95	28	consumers	consumer	NOUN
esutjss-163	95	29	,	,	PUNCT
esutjss-163	95	30	and	and	CCONJ
esutjss-163	95	31	how	how	SCONJ
esutjss-163	95	32	it	it	PRON
esutjss-163	95	33	runs	run	VERB
esutjss-163	95	34	)	)	PUNCT
esutjss-163	95	35	.	.	PUNCT
esutjss-163	96	1	while	while	SCONJ
esutjss-163	96	2	each	each	DET
esutjss-163	96	3	digital	digital	ADJ
esutjss-163	96	4	transformation	transformation	NOUN
esutjss-163	96	5	program	program	NOUN
esutjss-163	96	6	will	will	AUX
esutjss-163	96	7	have	have	VERB
esutjss-163	96	8	its	its	PRON
esutjss-163	96	9	unique	unique	ADJ
esutjss-163	96	10	set	set	NOUN
esutjss-163	96	11	of	of	ADP
esutjss-163	96	12	objectives	objective	NOUN
esutjss-163	96	13	,	,	PUNCT
esutjss-163	96	14	the	the	DET
esutjss-163	96	15	overall	overall	ADJ
esutjss-163	96	16	goal	goal	NOUN
esutjss-163	96	17	of	of	ADP
esutjss-163	96	18	any	any	DET
esutjss-163	96	19	digital	digital	ADJ
esutjss-163	96	20	transformation	transformation	NOUN
esutjss-163	96	21	is	be	AUX
esutjss-163	96	22	to	to	PART
esutjss-163	96	23	enhance	enhance	VERB
esutjss-163	96	24	your	your	PRON
esutjss-163	96	25	existing	exist	VERB
esutjss-163	96	26	processes	process	NOUN
esutjss-163	96	27	.	.	PUNCT
esutjss-163	97	1	companies	company	NOUN
esutjss-163	97	2	must	must	AUX
esutjss-163	97	3	develop	develop	VERB
esutjss-163	97	4	in	in	ADP
esutjss-163	97	5	order	order	NOUN
esutjss-163	97	6	to	to	PART
esutjss-163	97	7	remain	remain	VERB
esutjss-163	97	8	competitive	competitive	ADJ
esutjss-163	97	9	in	in	ADP
esutjss-163	97	10	their	their	PRON
esutjss-163	97	11	business	business	NOUN
esutjss-163	97	12	,	,	PUNCT
esutjss-163	97	13	which	which	PRON
esutjss-163	97	14	necessitates	necessitate	VERB
esutjss-163	97	15	digital	digital	ADJ
esutjss-163	97	16	transformation	transformation	NOUN
esutjss-163	97	17	(	(	PUNCT
esutjss-163	97	18	vial	vial	ADJ
esutjss-163	97	19	,	,	PUNCT
esutjss-163	97	20	2019	2019	NUM
esutjss-163	97	21	)	)	PUNCT
esutjss-163	97	22	.	.	PUNCT
esutjss-163	98	1	digital	digital	ADJ
esutjss-163	98	2	transformation	transformation	NOUN
esutjss-163	98	3	is	be	AUX
esutjss-163	98	4	much	much	ADV
esutjss-163	98	5	more	more	ADJ
esutjss-163	98	6	than	than	ADP
esutjss-163	98	7	simply	simply	ADV
esutjss-163	98	8	disruption	disruption	NOUN
esutjss-163	98	9	and	and	CCONJ
esutjss-163	98	10	technology	technology	NOUN
esutjss-163	98	11	.	.	PUNCT
esutjss-163	99	1	it	it	PRON
esutjss-163	99	2	's	be	AUX
esutjss-163	99	3	about	about	ADP
esutjss-163	99	4	value	value	NOUN
esutjss-163	99	5	,	,	PUNCT
esutjss-163	99	6	people	people	NOUN
esutjss-163	99	7	,	,	PUNCT
esutjss-163	99	8	optimization	optimization	NOUN
esutjss-163	99	9	,	,	PUNCT
esutjss-163	99	10	and	and	CCONJ
esutjss-163	99	11	the	the	DET
esutjss-163	99	12	capacity	capacity	NOUN
esutjss-163	99	13	to	to	PART
esutjss-163	99	14	quickly	quickly	ADV
esutjss-163	99	15	react	react	VERB
esutjss-163	99	16	when	when	SCONJ
esutjss-163	99	17	necessary	necessary	ADJ
esutjss-163	99	18	through	through	ADP
esutjss-163	99	19	the	the	DET
esutjss-163	99	20	clever	clever	ADJ
esutjss-163	99	21	application	application	NOUN
esutjss-163	99	22	of	of	ADP
esutjss-163	99	23	technology	technology	NOUN
esutjss-163	99	24	and	and	CCONJ
esutjss-163	99	25	information	information	NOUN
esutjss-163	99	26	.	.	PUNCT
esutjss-163	100	1	the	the	DET
esutjss-163	100	2	profound	profound	ADJ
esutjss-163	100	3	transformation	transformation	NOUN
esutjss-163	100	4	of	of	ADP
esutjss-163	100	5	business	business	NOUN
esutjss-163	100	6	and	and	CCONJ
esutjss-163	100	7	organizational	organizational	ADJ
esutjss-163	100	8	activities	activity	NOUN
esutjss-163	100	9	,	,	PUNCT
esutjss-163	100	10	processes	process	NOUN
esutjss-163	100	11	,	,	PUNCT
esutjss-163	100	12	competencies	competency	NOUN
esutjss-163	100	13	,	,	PUNCT
esutjss-163	100	14	and	and	CCONJ
esutjss-163	100	15	models	model	NOUN
esutjss-163	100	16	to	to	PART
esutjss-163	100	17	fully	fully	ADV
esutjss-163	100	18	leverage	leverage	VERB
esutjss-163	100	19	the	the	DET
esutjss-163	100	20	changes	change	NOUN
esutjss-163	100	21	and	and	CCONJ
esutjss-163	100	22	opportunities	opportunity	NOUN
esutjss-163	100	23	of	of	ADP
esutjss-163	100	24	a	a	DET
esutjss-163	100	25	mix	mix	NOUN
esutjss-163	100	26	of	of	ADP
esutjss-163	100	27	digital	digital	ADJ
esutjss-163	100	28	technologies	technology	NOUN
esutjss-163	100	29	and	and	CCONJ
esutjss-163	100	30	their	their	PRON
esutjss-163	100	31	accelerating	accelerate	VERB
esutjss-163	100	32	impact	impact	NOUN
esutjss-163	100	33	across	across	ADP
esutjss-163	100	34	society	society	NOUN
esutjss-163	100	35	in	in	ADP
esutjss-163	100	36	a	a	DET
esutjss-163	100	37	strategic	strategic	ADJ
esutjss-163	100	38	and	and	CCONJ
esutjss-163	100	39	prioritized	prioritized	ADJ
esutjss-163	100	40	manner	manner	NOUN
esutjss-163	100	41	,	,	PUNCT
esutjss-163	100	42	with	with	ADP
esutjss-163	100	43	present	present	ADJ
esutjss-163	100	44	and	and	CCONJ
esutjss-163	100	45	future	future	ADJ
esutjss-163	100	46	shifts	shift	NOUN
esutjss-163	100	47	in	in	ADP
esutjss-163	100	48	mind	mind	NOUN
esutjss-163	100	49	,	,	PUNCT
esutjss-163	100	50	is	be	AUX
esutjss-163	100	51	referred	refer	VERB
esutjss-163	100	52	to	to	ADP
esutjss-163	100	53	as	as	ADP
esutjss-163	100	54	digital	digital	ADJ
esutjss-163	100	55	transformation	transformation	NOUN
esutjss-163	100	56	(	(	PUNCT
esutjss-163	100	57	garzoni	garzoni	NOUN
esutjss-163	100	58	et	et	PROPN
esutjss-163	100	59	al	al	PROPN
esutjss-163	100	60	.	.	PROPN
esutjss-163	100	61	,	,	PUNCT
esutjss-163	100	62	2020	2020	NUM
esutjss-163	100	63	)	)	PUNCT
esutjss-163	100	64	.	.	PUNCT
esutjss-163	101	1	as	as	ADP
esutjss-163	101	2	a	a	DET
esutjss-163	101	3	result	result	NOUN
esutjss-163	101	4	,	,	PUNCT
esutjss-163	101	5	companies	company	NOUN
esutjss-163	101	6	in	in	ADP
esutjss-163	101	7	almost	almost	ADV
esutjss-163	101	8	every	every	PRON
esutjss-163	101	9	industry	industry	NOUN
esutjss-163	101	10	have	have	AUX
esutjss-163	101	11	launched	launch	VERB
esutjss-163	101	12	a	a	DET
esutjss-163	101	13	range	range	NOUN
esutjss-163	101	14	of	of	ADP
esutjss-163	101	15	projects	project	NOUN
esutjss-163	101	16	in	in	ADP
esutjss-163	101	17	recent	recent	ADJ
esutjss-163	101	18	years	year	NOUN
esutjss-163	101	19	to	to	PART
esutjss-163	101	20	research	research	VERB
esutjss-163	101	21	new	new	ADJ
esutjss-163	101	22	digital	digital	ADJ
esutjss-163	101	23	technologies	technology	NOUN
esutjss-163	101	24	and	and	CCONJ
esutjss-163	101	25	capitalize	capitalize	VERB
esutjss-163	101	26	on	on	ADP
esutjss-163	101	27	their	their	PRON
esutjss-163	101	28	benefits	benefit	NOUN
esutjss-163	101	29	.	.	PUNCT
esutjss-163	102	1	this	this	PRON
esutjss-163	102	2	usually	usually	ADV
esutjss-163	102	3	involves	involve	VERB
esutjss-163	102	4	modifications	modification	NOUN
esutjss-163	102	5	to	to	PART
esutjss-163	102	6	core	core	VERB
esutjss-163	102	7	corporate	corporate	ADJ
esutjss-163	102	8	operations	operation	NOUN
esutjss-163	102	9	and	and	CCONJ
esutjss-163	102	10	has	have	VERB
esutjss-163	102	11	an	an	DET
esutjss-163	102	12	influence	influence	NOUN
esutjss-163	102	13	on	on	ADP
esutjss-163	102	14	items	item	NOUN
esutjss-163	102	15	,	,	PUNCT
esutjss-163	102	16	processes	process	NOUN
esutjss-163	102	17	,	,	PUNCT
esutjss-163	102	18	organizational	organizational	ADJ
esutjss-163	102	19	structures	structure	NOUN
esutjss-163	102	20	,	,	PUNCT
esutjss-163	102	21	and	and	CCONJ
esutjss-163	102	22	management	management	NOUN
esutjss-163	102	23	philosophies	philosophy	NOUN
esutjss-163	102	24	.	.	PUNCT
esutjss-163	103	1	businesses	business	NOUN
esutjss-163	103	2	must	must	AUX
esutjss-163	103	3	establish	establish	VERB
esutjss-163	103	4	management	management	NOUN
esutjss-163	103	5	methods	method	NOUN
esutjss-163	103	6	to	to	PART
esutjss-163	103	7	deal	deal	VERB
esutjss-163	103	8	with	with	ADP
esutjss-163	103	9	these	these	DET
esutjss-163	103	10	complex	complex	ADJ
esutjss-163	103	11	transitions	transition	NOUN
esutjss-163	103	12	.	.	PUNCT
esutjss-163	104	1	formulating	formulate	VERB
esutjss-163	104	2	a	a	DET
esutjss-163	104	3	digital	digital	ADJ
esutjss-163	104	4	transformation	transformation	NOUN
esutjss-163	104	5	plan	plan	NOUN
esutjss-163	104	6	,	,	PUNCT
esutjss-163	104	7	which	which	PRON
esutjss-163	104	8	serves	serve	VERB
esutjss-163	104	9	as	as	ADP
esutjss-163	104	10	a	a	DET
esutjss-163	104	11	central	central	ADJ
esutjss-163	104	12	concept	concept	NOUN
esutjss-163	104	13	for	for	ADP
esutjss-163	104	14	integrating	integrate	VERB
esutjss-163	104	15	the	the	DET
esutjss-163	104	16	whole	whole	ADJ
esutjss-163	104	17	coordination	coordination	NOUN
esutjss-163	104	18	,	,	PUNCT
esutjss-163	104	19	prioritization	prioritization	NOUN
esutjss-163	104	20	,	,	PUNCT
esutjss-163	104	21	and	and	CCONJ
esutjss-163	104	22	execution	execution	NOUN
esutjss-163	104	23	of	of	ADP
esutjss-163	104	24	digital	digital	ADJ
esutjss-163	104	25	changes	change	NOUN
esutjss-163	104	26	inside	inside	ADP
esutjss-163	104	27	an	an	DET
esutjss-163	104	28	organization	organization	NOUN
esutjss-163	104	29	,	,	PUNCT
esutjss-163	104	30	is	be	AUX
esutjss-163	104	31	a	a	DET
esutjss-163	104	32	critical	critical	ADJ
esutjss-163	104	33	method	method	NOUN
esutjss-163	104	34	.	.	PUNCT
esutjss-163	105	1	new	new	ADJ
esutjss-163	105	2	generation	generation	NOUN
esutjss-163	105	3	technology	technology	NOUN
esutjss-163	105	4	a	a	DET
esutjss-163	105	5	new	new	ADJ
esutjss-163	105	6	-	-	PUNCT
esutjss-163	105	7	generation	generation	NOUN
esutjss-163	105	8	digital	digital	ADJ
esutjss-163	105	9	technology	technology	NOUN
esutjss-163	105	10	platform	platform	NOUN
esutjss-163	105	11	,	,	PUNCT
esutjss-163	105	12	according	accord	VERB
esutjss-163	105	13	to	to	ADP
esutjss-163	105	14	nadeem	nadeem	PROPN
esutjss-163	105	15	(	(	PUNCT
esutjss-163	105	16	2018	2018	NUM
esutjss-163	105	17	)	)	PUNCT
esutjss-163	105	18	,	,	PUNCT
esutjss-163	105	19	is	be	AUX
esutjss-163	105	20	a	a	DET
esutjss-163	105	21	symbiotic	symbiotic	ADJ
esutjss-163	105	22	collection	collection	NOUN
esutjss-163	105	23	of	of	ADP
esutjss-163	105	24	technical	technical	ADJ
esutjss-163	105	25	capabilities	capability	NOUN
esutjss-163	105	26	and	and	CCONJ
esutjss-163	105	27	components	component	NOUN
esutjss-163	105	28	that	that	PRON
esutjss-163	105	29	provide	provide	VERB
esutjss-163	105	30	an	an	DET
esutjss-163	105	31	interoperable	interoperable	ADJ
esutjss-163	105	32	set	set	NOUN
esutjss-163	105	33	of	of	ADP
esutjss-163	105	34	services	service	NOUN
esutjss-163	105	35	that	that	PRON
esutjss-163	105	36	can	can	AUX
esutjss-163	105	37	be	be	AUX
esutjss-163	105	38	combined	combine	VERB
esutjss-163	105	39	to	to	PART
esutjss-163	105	40	develop	develop	VERB
esutjss-163	105	41	applications	application	NOUN
esutjss-163	105	42	and	and	CCONJ
esutjss-163	105	43	services	service	NOUN
esutjss-163	105	44	.	.	PUNCT
esutjss-163	106	1	this	this	PRON
esutjss-163	106	2	is	be	AUX
esutjss-163	106	3	significant	significant	ADJ
esutjss-163	106	4	because	because	SCONJ
esutjss-163	106	5	many	many	ADJ
esutjss-163	106	6	firms	firm	NOUN
esutjss-163	106	7	are	be	AUX
esutjss-163	106	8	already	already	ADV
esutjss-163	106	9	investing	invest	VERB
esutjss-163	106	10	in	in	ADP
esutjss-163	106	11	this	this	DET
esutjss-163	106	12	area	area	NOUN
esutjss-163	106	13	,	,	PUNCT
esutjss-163	106	14	and	and	CCONJ
esutjss-163	106	15	investment	investment	NOUN
esutjss-163	106	16	will	will	AUX
esutjss-163	106	17	rise	rise	VERB
esutjss-163	106	18	as	as	SCONJ
esutjss-163	106	19	they	they	PRON
esutjss-163	106	20	quickly	quickly	ADV
esutjss-163	106	21	understand	understand	VERB
esutjss-163	106	22	that	that	SCONJ
esutjss-163	106	23	digital	digital	ADJ
esutjss-163	106	24	technology	technology	NOUN
esutjss-163	106	25	platforms	platform	NOUN
esutjss-163	106	26	provide	provide	VERB
esutjss-163	106	27	the	the	DET
esutjss-163	106	28	fundamental	fundamental	ADJ
esutjss-163	106	29	building	building	NOUN
esutjss-163	106	30	blocks	block	NOUN
esutjss-163	106	31	for	for	ADP
esutjss-163	106	32	,	,	PUNCT
esutjss-163	106	33	and	and	CCONJ
esutjss-163	106	34	are	be	AUX
esutjss-163	106	35	a	a	DET
esutjss-163	106	36	crucial	crucial	ADJ
esutjss-163	106	37	facilitator	facilitator	NOUN
esutjss-163	106	38	of	of	ADP
esutjss-163	106	39	,	,	PUNCT
esutjss-163	106	40	digital	digital	ADJ
esutjss-163	106	41	business	business	NOUN
esutjss-163	106	42	.	.	PUNCT
esutjss-163	107	1	the	the	DET
esutjss-163	107	2	platform	platform	NOUN
esutjss-163	107	3	perspective	perspective	NOUN
esutjss-163	107	4	provides	provide	VERB
esutjss-163	107	5	a	a	DET
esutjss-163	107	6	technological	technological	ADJ
esutjss-163	107	7	111	111	NUM
esutjss-163	107	8	anchor	anchor	NOUN
esutjss-163	107	9	model	model	NOUN
esutjss-163	107	10	to	to	PART
esutjss-163	107	11	drive	drive	VERB
esutjss-163	107	12	technology	technology	NOUN
esutjss-163	107	13	vision	vision	NOUN
esutjss-163	107	14	while	while	SCONJ
esutjss-163	107	15	decreasing	decrease	VERB
esutjss-163	107	16	complexity	complexity	NOUN
esutjss-163	107	17	and	and	CCONJ
esutjss-163	107	18	redundancy	redundancy	NOUN
esutjss-163	107	19	(	(	PUNCT
esutjss-163	107	20	nadeem	nadeem	NOUN
esutjss-163	107	21	,	,	PUNCT
esutjss-163	107	22	2018	2018	NUM
esutjss-163	107	23	)	)	PUNCT
esutjss-163	107	24	.	.	PUNCT
esutjss-163	108	1	next	next	ADJ
esutjss-163	108	2	-	-	PUNCT
esutjss-163	108	3	generation	generation	NOUN
esutjss-163	108	4	technologies	technology	NOUN
esutjss-163	108	5	are	be	AUX
esutjss-163	108	6	technical	technical	ADJ
esutjss-163	108	7	advancements	advancement	NOUN
esutjss-163	108	8	that	that	PRON
esutjss-163	108	9	demonstrate	demonstrate	VERB
esutjss-163	108	10	continual	continual	ADJ
esutjss-163	108	11	progress	progress	NOUN
esutjss-163	108	12	in	in	ADP
esutjss-163	108	13	an	an	DET
esutjss-163	108	14	area	area	NOUN
esutjss-163	108	15	for	for	ADP
esutjss-163	108	16	competitive	competitive	ADJ
esutjss-163	108	17	advantage	advantage	NOUN
esutjss-163	108	18	.	.	PUNCT
esutjss-163	109	1	converging	converge	VERB
esutjss-163	109	2	technologies	technology	NOUN
esutjss-163	109	3	reflect	reflect	VERB
esutjss-163	109	4	formerly	formerly	ADV
esutjss-163	109	5	different	different	ADJ
esutjss-163	109	6	sectors	sector	NOUN
esutjss-163	109	7	that	that	PRON
esutjss-163	109	8	are	be	AUX
esutjss-163	109	9	evolving	evolve	VERB
esutjss-163	109	10	toward	toward	ADP
esutjss-163	109	11	greater	great	ADJ
esutjss-163	109	12	interconnectedness	interconnectedness	NOUN
esutjss-163	109	13	and	and	CCONJ
esutjss-163	109	14	common	common	ADJ
esutjss-163	109	15	aims	aim	NOUN
esutjss-163	109	16	.	.	PUNCT
esutjss-163	110	1	according	accord	VERB
esutjss-163	110	2	to	to	ADP
esutjss-163	110	3	alli	alli	PROPN
esutjss-163	110	4	,	,	PUNCT
esutjss-163	110	5	aina	aina	PROPN
esutjss-163	110	6	,	,	PUNCT
esutjss-163	110	7	and	and	CCONJ
esutjss-163	110	8	ganiyu	ganiyu	NOUN
esutjss-163	110	9	(	(	PUNCT
esutjss-163	110	10	2021	2021	NUM
esutjss-163	110	11	)	)	PUNCT
esutjss-163	110	12	,	,	PUNCT
esutjss-163	110	13	"	"	PUNCT
esutjss-163	110	14	artificial	artificial	ADJ
esutjss-163	110	15	intelligence	intelligence	NOUN
esutjss-163	110	16	"	"	PUNCT
esutjss-163	110	17	(	(	PUNCT
esutjss-163	110	18	ai	ai	NOUN
esutjss-163	110	19	)	)	PUNCT
esutjss-163	110	20	is	be	AUX
esutjss-163	110	21	intelligence	intelligence	NOUN
esutjss-163	110	22	displayed	display	VERB
esutjss-163	110	23	by	by	ADP
esutjss-163	110	24	computers	computer	NOUN
esutjss-163	110	25	or	or	CCONJ
esutjss-163	110	26	comparable	comparable	ADJ
esutjss-163	110	27	software	software	NOUN
esutjss-163	110	28	.	.	PUNCT
esutjss-163	111	1	it	it	PRON
esutjss-163	111	2	is	be	AUX
esutjss-163	111	3	also	also	ADV
esutjss-163	111	4	the	the	DET
esutjss-163	111	5	name	name	NOUN
esutjss-163	111	6	of	of	ADP
esutjss-163	111	7	an	an	DET
esutjss-163	111	8	academic	academic	ADJ
esutjss-163	111	9	subject	subject	NOUN
esutjss-163	111	10	that	that	PRON
esutjss-163	111	11	explores	explore	VERB
esutjss-163	111	12	how	how	SCONJ
esutjss-163	111	13	to	to	PART
esutjss-163	111	14	develop	develop	VERB
esutjss-163	111	15	computer	computer	NOUN
esutjss-163	111	16	systems	system	NOUN
esutjss-163	111	17	and	and	CCONJ
esutjss-163	111	18	software	software	NOUN
esutjss-163	111	19	capable	capable	ADJ
esutjss-163	111	20	of	of	ADP
esutjss-163	111	21	displaying	display	VERB
esutjss-163	111	22	intelligent	intelligent	ADJ
esutjss-163	111	23	behaviour	behaviour	NOUN
esutjss-163	111	24	.	.	PUNCT
esutjss-163	112	1	prominent	prominent	ADJ
esutjss-163	112	2	artificial	artificial	ADJ
esutjss-163	112	3	intelligence	intelligence	NOUN
esutjss-163	112	4	researchers	researcher	NOUN
esutjss-163	112	5	describe	describe	VERB
esutjss-163	112	6	ai	ai	VERB
esutjss-163	112	7	as	as	ADP
esutjss-163	112	8	"	"	PUNCT
esutjss-163	112	9	the	the	DET
esutjss-163	112	10	study	study	NOUN
esutjss-163	112	11	and	and	CCONJ
esutjss-163	112	12	creation	creation	NOUN
esutjss-163	112	13	of	of	ADP
esutjss-163	112	14	intelligent	intelligent	ADJ
esutjss-163	112	15	agents	agent	NOUN
esutjss-163	112	16	,	,	PUNCT
esutjss-163	112	17	"	"	PUNCT
esutjss-163	112	18	where	where	SCONJ
esutjss-163	112	19	"	"	PUNCT
esutjss-163	112	20	intelligent	intelligent	ADJ
esutjss-163	112	21	agents	agent	NOUN
esutjss-163	112	22	"	"	PUNCT
esutjss-163	112	23	are	be	AUX
esutjss-163	112	24	systems	system	NOUN
esutjss-163	112	25	that	that	PRON
esutjss-163	112	26	are	be	AUX
esutjss-163	112	27	active	active	ADJ
esutjss-163	112	28	in	in	ADP
esutjss-163	112	29	understanding	understand	VERB
esutjss-163	112	30	their	their	PRON
esutjss-163	112	31	surroundings	surrounding	NOUN
esutjss-163	112	32	and	and	CCONJ
esutjss-163	112	33	adopting	adopt	VERB
esutjss-163	112	34	behaviours	behaviour	NOUN
esutjss-163	112	35	that	that	PRON
esutjss-163	112	36	maximize	maximize	VERB
esutjss-163	112	37	their	their	PRON
esutjss-163	112	38	chances	chance	NOUN
esutjss-163	112	39	of	of	ADP
esutjss-163	112	40	success	success	NOUN
esutjss-163	112	41	.	.	PUNCT
esutjss-163	113	1	it	it	PRON
esutjss-163	113	2	is	be	AUX
esutjss-163	113	3	also	also	ADV
esutjss-163	113	4	known	know	VERB
esutjss-163	113	5	as	as	ADP
esutjss-163	113	6	"	"	PUNCT
esutjss-163	113	7	the	the	DET
esutjss-163	113	8	engineering	engineering	NOUN
esutjss-163	113	9	and	and	CCONJ
esutjss-163	113	10	science	science	NOUN
esutjss-163	113	11	of	of	ADP
esutjss-163	113	12	creating	create	VERB
esutjss-163	113	13	intelligent	intelligent	ADJ
esutjss-163	113	14	machines	machine	NOUN
esutjss-163	113	15	"	"	PUNCT
esutjss-163	113	16	(	(	PUNCT
esutjss-163	113	17	alli	alli	PROPN
esutjss-163	113	18	,	,	PUNCT
esutjss-163	113	19	aina	aina	PROPN
esutjss-163	113	20	,	,	PUNCT
esutjss-163	113	21	and	and	CCONJ
esutjss-163	113	22	ganiyu	ganiyu	NOUN
esutjss-163	113	23	,	,	PUNCT
esutjss-163	113	24	2020	2020	NUM
esutjss-163	113	25	)	)	PUNCT
esutjss-163	113	26	.	.	PUNCT
esutjss-163	114	1	digital	digital	PROPN
esutjss-163	114	2	accounting	account	VERB
esutjss-163	114	3	the	the	DET
esutjss-163	114	4	development	development	NOUN
esutjss-163	114	5	,	,	PUNCT
esutjss-163	114	6	representation	representation	NOUN
esutjss-163	114	7	,	,	PUNCT
esutjss-163	114	8	and	and	CCONJ
esutjss-163	114	9	transmission	transmission	NOUN
esutjss-163	114	10	of	of	ADP
esutjss-163	114	11	financial	financial	ADJ
esutjss-163	114	12	information	information	NOUN
esutjss-163	114	13	in	in	ADP
esutjss-163	114	14	an	an	DET
esutjss-163	114	15	electronic	electronic	ADJ
esutjss-163	114	16	format	format	NOUN
esutjss-163	114	17	are	be	AUX
esutjss-163	114	18	referred	refer	VERB
esutjss-163	114	19	to	to	ADP
esutjss-163	114	20	as	as	ADP
esutjss-163	114	21	"	"	PUNCT
esutjss-163	114	22	digital	digital	ADJ
esutjss-163	114	23	accounting	accounting	NOUN
esutjss-163	114	24	.	.	PUNCT
esutjss-163	114	25	"	"	PUNCT
esutjss-163	115	1	all	all	DET
esutjss-163	115	2	accounting	accounting	NOUN
esutjss-163	115	3	transactions	transaction	NOUN
esutjss-163	115	4	are	be	AUX
esutjss-163	115	5	now	now	ADV
esutjss-163	115	6	done	do	VERB
esutjss-163	115	7	electronically	electronically	ADV
esutjss-163	115	8	rather	rather	ADV
esutjss-163	115	9	than	than	ADP
esutjss-163	115	10	on	on	ADP
esutjss-163	115	11	paper	paper	NOUN
esutjss-163	115	12	.	.	PUNCT
esutjss-163	116	1	on	on	ADP
esutjss-163	116	2	the	the	DET
esutjss-163	116	3	other	other	ADJ
esutjss-163	116	4	hand	hand	NOUN
esutjss-163	116	5	,	,	PUNCT
esutjss-163	116	6	it	it	PRON
esutjss-163	116	7	values	value	VERB
esutjss-163	116	8	and	and	CCONJ
esutjss-163	116	9	empowers	empower	VERB
esutjss-163	116	10	accountants	accountant	NOUN
esutjss-163	116	11	by	by	ADP
esutjss-163	116	12	making	make	VERB
esutjss-163	116	13	their	their	PRON
esutjss-163	116	14	work	work	NOUN
esutjss-163	116	15	more	more	ADV
esutjss-163	116	16	efficient	efficient	ADJ
esutjss-163	116	17	.	.	PUNCT
esutjss-163	117	1	the	the	DET
esutjss-163	117	2	creation	creation	NOUN
esutjss-163	117	3	,	,	PUNCT
esutjss-163	117	4	representation	representation	NOUN
esutjss-163	117	5	,	,	PUNCT
esutjss-163	117	6	and	and	CCONJ
esutjss-163	117	7	transfer	transfer	NOUN
esutjss-163	117	8	of	of	ADP
esutjss-163	117	9	financial	financial	ADJ
esutjss-163	117	10	data	datum	NOUN
esutjss-163	117	11	in	in	ADP
esutjss-163	117	12	an	an	DET
esutjss-163	117	13	electronic	electronic	ADJ
esutjss-163	117	14	format	format	NOUN
esutjss-163	117	15	is	be	AUX
esutjss-163	117	16	referred	refer	VERB
esutjss-163	117	17	to	to	ADP
esutjss-163	117	18	as	as	ADP
esutjss-163	117	19	digital	digital	ADJ
esutjss-163	117	20	accounting	accounting	NOUN
esutjss-163	117	21	.	.	PUNCT
esutjss-163	118	1	the	the	DET
esutjss-163	118	2	financial	financial	ADJ
esutjss-163	118	3	business	business	NOUN
esutjss-163	118	4	has	have	AUX
esutjss-163	118	5	been	be	AUX
esutjss-163	118	6	changed	change	VERB
esutjss-163	118	7	by	by	ADP
esutjss-163	118	8	computers	computer	NOUN
esutjss-163	118	9	and	and	CCONJ
esutjss-163	118	10	accounting	accounting	NOUN
esutjss-163	118	11	software	software	NOUN
esutjss-163	118	12	.	.	PUNCT
esutjss-163	119	1	advances	advance	NOUN
esutjss-163	119	2	in	in	ADP
esutjss-163	119	3	technology	technology	NOUN
esutjss-163	119	4	have	have	AUX
esutjss-163	119	5	improved	improve	VERB
esutjss-163	119	6	the	the	DET
esutjss-163	119	7	accountant	accountant	NOUN
esutjss-163	119	8	's	's	PART
esutjss-163	119	9	capacity	capacity	NOUN
esutjss-163	119	10	to	to	PART
esutjss-163	119	11	evaluate	evaluate	VERB
esutjss-163	119	12	and	and	CCONJ
esutjss-163	119	13	report	report	VERB
esutjss-163	119	14	data	datum	NOUN
esutjss-163	119	15	faster	fast	ADV
esutjss-163	119	16	,	,	PUNCT
esutjss-163	119	17	more	more	ADV
esutjss-163	119	18	quickly	quickly	ADV
esutjss-163	119	19	,	,	PUNCT
esutjss-163	119	20	and	and	CCONJ
esutjss-163	119	21	more	more	ADV
esutjss-163	119	22	effectively	effectively	ADV
esutjss-163	119	23	than	than	ADP
esutjss-163	119	24	ever	ever	ADV
esutjss-163	119	25	before	before	ADV
esutjss-163	119	26	(	(	PUNCT
esutjss-163	119	27	troshani	troshani	PROPN
esutjss-163	119	28	et	et	PROPN
esutjss-163	119	29	al	al	PROPN
esutjss-163	119	30	.	.	PROPN
esutjss-163	119	31	,	,	PUNCT
esutjss-163	119	32	2019	2019	NUM
esutjss-163	119	33	)	)	PUNCT
esutjss-163	119	34	.	.	PUNCT
esutjss-163	120	1	with	with	ADP
esutjss-163	120	2	the	the	DET
esutjss-163	120	3	present	present	ADJ
esutjss-163	120	4	digital	digital	ADJ
esutjss-163	120	5	economy	economy	NOUN
esutjss-163	120	6	,	,	PUNCT
esutjss-163	120	7	digital	digital	ADJ
esutjss-163	120	8	accounting	accounting	NOUN
esutjss-163	120	9	entails	entail	VERB
esutjss-163	120	10	conducting	conduct	VERB
esutjss-163	120	11	all	all	DET
esutjss-163	120	12	accounting	accounting	NOUN
esutjss-163	120	13	activities	activity	NOUN
esutjss-163	120	14	in	in	ADP
esutjss-163	120	15	an	an	DET
esutjss-163	120	16	electronic	electronic	ADJ
esutjss-163	120	17	environment	environment	NOUN
esutjss-163	120	18	.	.	PUNCT
esutjss-163	121	1	it	it	PRON
esutjss-163	121	2	may	may	AUX
esutjss-163	121	3	help	help	VERB
esutjss-163	121	4	businesses	business	NOUN
esutjss-163	121	5	accomplish	accomplish	VERB
esutjss-163	121	6	functional	functional	ADJ
esutjss-163	121	7	activities	activity	NOUN
esutjss-163	121	8	more	more	ADV
esutjss-163	121	9	rapidly	rapidly	ADV
esutjss-163	121	10	and	and	CCONJ
esutjss-163	121	11	precisely	precisely	ADV
esutjss-163	121	12	,	,	PUNCT
esutjss-163	121	13	as	as	ADV
esutjss-163	121	14	well	well	ADV
esutjss-163	121	15	as	as	ADP
esutjss-163	121	16	evaluate	evaluate	VERB
esutjss-163	121	17	and	and	CCONJ
esutjss-163	121	18	report	report	VERB
esutjss-163	121	19	data	datum	NOUN
esutjss-163	121	20	and	and	CCONJ
esutjss-163	121	21	information	information	NOUN
esutjss-163	121	22	more	more	ADV
esutjss-163	121	23	quickly	quickly	ADV
esutjss-163	121	24	,	,	PUNCT
esutjss-163	121	25	efficiently	efficiently	ADV
esutjss-163	121	26	,	,	PUNCT
esutjss-163	121	27	and	and	CCONJ
esutjss-163	121	28	effectively	effectively	ADV
esutjss-163	121	29	.	.	PUNCT
esutjss-163	122	1	companies	company	NOUN
esutjss-163	122	2	that	that	PRON
esutjss-163	122	3	use	use	VERB
esutjss-163	122	4	digital	digital	ADJ
esutjss-163	122	5	accounting	accounting	NOUN
esutjss-163	122	6	successfully	successfully	ADV
esutjss-163	122	7	may	may	AUX
esutjss-163	122	8	receive	receive	VERB
esutjss-163	122	9	accurate	accurate	ADJ
esutjss-163	122	10	information	information	NOUN
esutjss-163	122	11	to	to	PART
esutjss-163	122	12	make	make	VERB
esutjss-163	122	13	key	key	ADJ
esutjss-163	122	14	choices	choice	NOUN
esutjss-163	122	15	and	and	CCONJ
esutjss-163	122	16	modernize	modernize	VERB
esutjss-163	122	17	accounting	accounting	NOUN
esutjss-163	122	18	systems	system	NOUN
esutjss-163	122	19	to	to	PART
esutjss-163	122	20	accommodate	accommodate	VERB
esutjss-163	122	21	larger	large	ADJ
esutjss-163	122	22	operations	operation	NOUN
esutjss-163	122	23	.	.	PUNCT
esutjss-163	123	1	users	user	NOUN
esutjss-163	123	2	may	may	AUX
esutjss-163	123	3	follow	follow	VERB
esutjss-163	123	4	outcomes	outcome	NOUN
esutjss-163	123	5	and	and	CCONJ
esutjss-163	123	6	data	datum	NOUN
esutjss-163	123	7	by	by	ADP
esutjss-163	123	8	signing	sign	VERB
esutjss-163	123	9	in	in	ADP
esutjss-163	123	10	to	to	ADP
esutjss-163	123	11	the	the	DET
esutjss-163	123	12	system	system	NOUN
esutjss-163	123	13	from	from	ADP
esutjss-163	123	14	anywhere	anywhere	ADV
esutjss-163	123	15	and	and	CCONJ
esutjss-163	123	16	at	at	ADP
esutjss-163	123	17	any	any	DET
esutjss-163	123	18	time	time	NOUN
esutjss-163	123	19	to	to	PART
esutjss-163	123	20	remotely	remotely	ADV
esutjss-163	123	21	access	access	NOUN
esutjss-163	123	22	enterprises	enterprise	NOUN
esutjss-163	123	23	'	'	PART
esutjss-163	123	24	financial	financial	ADJ
esutjss-163	123	25	data	datum	NOUN
esutjss-163	123	26	and	and	CCONJ
esutjss-163	123	27	information	information	NOUN
esutjss-163	123	28	.	.	PUNCT
esutjss-163	124	1	they	they	PRON
esutjss-163	124	2	may	may	AUX
esutjss-163	124	3	also	also	ADV
esutjss-163	124	4	use	use	VERB
esutjss-163	124	5	digital	digital	ADJ
esutjss-163	124	6	accounting	accounting	NOUN
esutjss-163	124	7	to	to	AUX
esutjss-163	124	8	accomplish	accomplish	ADJ
esutjss-163	124	9	success	success	NOUN
esutjss-163	124	10	,	,	PUNCT
esutjss-163	124	11	survival	survival	NOUN
esutjss-163	124	12	,	,	PUNCT
esutjss-163	124	13	and	and	CCONJ
esutjss-163	124	14	sustainability	sustainability	NOUN
esutjss-163	124	15	in	in	ADP
esutjss-163	124	16	corporate	corporate	ADJ
esutjss-163	124	17	operations	operation	NOUN
esutjss-163	124	18	,	,	PUNCT
esutjss-163	124	19	both	both	PRON
esutjss-163	124	20	directly	directly	ADV
esutjss-163	124	21	and	and	CCONJ
esutjss-163	124	22	indirectly	indirectly	ADV
esutjss-163	124	23	.	.	PUNCT
esutjss-163	125	1	as	as	ADP
esutjss-163	125	2	a	a	DET
esutjss-163	125	3	result	result	NOUN
esutjss-163	125	4	,	,	PUNCT
esutjss-163	125	5	digital	digital	ADJ
esutjss-163	125	6	accounting	accounting	NOUN
esutjss-163	125	7	is	be	AUX
esutjss-163	125	8	regarded	regard	VERB
esutjss-163	125	9	as	as	ADP
esutjss-163	125	10	a	a	DET
esutjss-163	125	11	vital	vital	ADJ
esutjss-163	125	12	business	business	NOUN
esutjss-163	125	13	strategy	strategy	NOUN
esutjss-163	125	14	for	for	ADP
esutjss-163	125	15	assisting	assist	VERB
esutjss-163	125	16	organizations	organization	NOUN
esutjss-163	125	17	in	in	ADP
esutjss-163	125	18	providing	provide	VERB
esutjss-163	125	19	excellent	excellent	ADJ
esutjss-163	125	20	financial	financial	ADJ
esutjss-163	125	21	reporting	reporting	NOUN
esutjss-163	125	22	,	,	PUNCT
esutjss-163	125	23	creating	create	VERB
esutjss-163	125	24	accounting	accounting	NOUN
esutjss-163	125	25	information	information	NOUN
esutjss-163	125	26	usability	usability	NOUN
esutjss-163	125	27	,	,	PUNCT
esutjss-163	125	28	and	and	CCONJ
esutjss-163	125	29	enhancing	enhance	VERB
esutjss-163	125	30	strategic	strategic	ADJ
esutjss-163	125	31	decision	decision	NOUN
esutjss-163	125	32	effectiveness	effectiveness	NOUN
esutjss-163	125	33	.	.	PUNCT
esutjss-163	126	1	financial	financial	ADJ
esutjss-163	126	2	reporting	reporting	NOUN
esutjss-163	126	3	quality	quality	NOUN
esutjss-163	126	4	refers	refer	VERB
esutjss-163	126	5	to	to	ADP
esutjss-163	126	6	reports	report	NOUN
esutjss-163	126	7	that	that	PRON
esutjss-163	126	8	are	be	AUX
esutjss-163	126	9	more	more	ADV
esutjss-163	126	10	full	full	ADJ
esutjss-163	126	11	,	,	PUNCT
esutjss-163	126	12	impartial	impartial	ADJ
esutjss-163	126	13	,	,	PUNCT
esutjss-163	126	14	and	and	CCONJ
esutjss-163	126	15	error	error	NOUN
esutjss-163	126	16	-	-	PUNCT
esutjss-163	126	17	free	free	ADJ
esutjss-163	126	18	and	and	CCONJ
esutjss-163	126	19	that	that	PRON
esutjss-163	126	20	give	give	VERB
esutjss-163	126	21	more	more	ADV
esutjss-163	126	22	helpful	helpful	ADJ
esutjss-163	126	23	predictive	predictive	NOUN
esutjss-163	126	24	or	or	CCONJ
esutjss-163	126	25	confirmatory	confirmatory	NOUN
esutjss-163	126	26	information	information	NOUN
esutjss-163	126	27	about	about	ADP
esutjss-163	126	28	a	a	DET
esutjss-163	126	29	company	company	NOUN
esutjss-163	126	30	's	's	PART
esutjss-163	126	31	underlying	underlie	VERB
esutjss-163	126	32	economic	economic	ADJ
esutjss-163	126	33	condition	condition	NOUN
esutjss-163	126	34	,	,	PUNCT
esutjss-163	126	35	events	event	NOUN
esutjss-163	126	36	,	,	PUNCT
esutjss-163	126	37	and	and	CCONJ
esutjss-163	126	38	performance	performance	NOUN
esutjss-163	126	39	(	(	PUNCT
esutjss-163	126	40	shuraki	shuraki	NOUN
esutjss-163	126	41	et	et	PROPN
esutjss-163	126	42	al	al	PROPN
esutjss-163	126	43	.	.	PROPN
esutjss-163	126	44	,	,	PUNCT
esutjss-163	126	45	2021	2021	NUM
esutjss-163	126	46	)	)	PUNCT
esutjss-163	126	47	.	.	PUNCT
esutjss-163	127	1	sustainability	sustainability	NOUN
esutjss-163	127	2	theory	theory	NOUN
esutjss-163	127	3	the	the	DET
esutjss-163	127	4	sustainability	sustainability	NOUN
esutjss-163	127	5	theory	theory	NOUN
esutjss-163	127	6	was	be	AUX
esutjss-163	127	7	employed	employ	VERB
esutjss-163	127	8	for	for	ADP
esutjss-163	127	9	this	this	DET
esutjss-163	127	10	study	study	NOUN
esutjss-163	127	11	;	;	PUNCT
esutjss-163	127	12	it	it	PRON
esutjss-163	127	13	was	be	AUX
esutjss-163	127	14	developed	develop	VERB
esutjss-163	127	15	by	by	ADP
esutjss-163	127	16	john	john	PROPN
esutjss-163	127	17	elkington	elkington	PROPN
esutjss-163	127	18	,	,	PUNCT
esutjss-163	127	19	the	the	DET
esutjss-163	127	20	founder	founder	NOUN
esutjss-163	127	21	of	of	ADP
esutjss-163	127	22	a	a	DET
esutjss-163	127	23	sustainability	sustainability	NOUN
esutjss-163	127	24	consulting	consulting	NOUN
esutjss-163	127	25	organization	organization	NOUN
esutjss-163	127	26	.	.	PUNCT
esutjss-163	128	1	the	the	DET
esutjss-163	128	2	statement	statement	NOUN
esutjss-163	128	3	suggests	suggest	VERB
esutjss-163	128	4	that	that	SCONJ
esutjss-163	128	5	firms	firm	NOUN
esutjss-163	128	6	should	should	AUX
esutjss-163	128	7	evaluate	evaluate	VERB
esutjss-163	128	8	three	three	NUM
esutjss-163	128	9	separate	separate	ADJ
esutjss-163	128	10	bottom	bottom	ADJ
esutjss-163	128	11	lines	line	NOUN
esutjss-163	128	12	in	in	ADP
esutjss-163	128	13	their	their	PRON
esutjss-163	128	14	operations	operation	NOUN
esutjss-163	128	15	rather	rather	ADV
esutjss-163	128	16	than	than	ADP
esutjss-163	128	17	just	just	ADV
esutjss-163	128	18	the	the	DET
esutjss-163	128	19	profit	profit	NOUN
esutjss-163	128	20	and	and	CCONJ
esutjss-163	128	21	loss	loss	NOUN
esutjss-163	128	22	account	account	NOUN
esutjss-163	128	23	,	,	PUNCT
esutjss-163	128	24	as	as	SCONJ
esutjss-163	128	25	was	be	AUX
esutjss-163	128	26	common	common	ADJ
esutjss-163	128	27	at	at	ADP
esutjss-163	128	28	the	the	DET
esutjss-163	128	29	time	time	NOUN
esutjss-163	128	30	(	(	PUNCT
esutjss-163	128	31	and	and	CCONJ
esutjss-163	128	32	still	still	ADV
esutjss-163	128	33	is	be	AUX
esutjss-163	128	34	in	in	ADP
esutjss-163	128	35	many	many	ADJ
esutjss-163	128	36	organizations	organization	NOUN
esutjss-163	128	37	today	today	NOUN
esutjss-163	128	38	)	)	PUNCT
esutjss-163	128	39	.	.	PUNCT
esutjss-163	129	1	the	the	DET
esutjss-163	129	2	discussion	discussion	NOUN
esutjss-163	129	3	of	of	ADP
esutjss-163	129	4	sustainability	sustainability	NOUN
esutjss-163	129	5	in	in	ADP
esutjss-163	129	6	academia	academia	NOUN
esutjss-163	129	7	has	have	AUX
esutjss-163	129	8	taken	take	VERB
esutjss-163	129	9	numerous	numerous	ADJ
esutjss-163	129	10	forms	form	NOUN
esutjss-163	129	11	.	.	PUNCT
esutjss-163	130	1	economic	economic	ADJ
esutjss-163	130	2	researchers	researcher	NOUN
esutjss-163	130	3	have	have	AUX
esutjss-163	130	4	described	describe	VERB
esutjss-163	130	5	the	the	DET
esutjss-163	130	6	notion	notion	NOUN
esutjss-163	130	7	of	of	ADP
esutjss-163	130	8	no	no	DET
esutjss-163	130	9	falling	fall	VERB
esutjss-163	130	10	per	per	ADP
esutjss-163	130	11	capita	capita	X
esutjss-163	130	12	income	income	NOUN
esutjss-163	130	13	flows	flow	VERB
esutjss-163	130	14	over	over	ADP
esutjss-163	130	15	time	time	NOUN
esutjss-163	130	16	or	or	CCONJ
esutjss-163	130	17	long	long	ADJ
esutjss-163	130	18	-	-	PUNCT
esutjss-163	130	19	term	term	NOUN
esutjss-163	130	20	economic	economic	ADJ
esutjss-163	130	21	development	development	NOUN
esutjss-163	130	22	with	with	ADP
esutjss-163	130	23	minimum	minimum	ADJ
esutjss-163	130	24	environmental	environmental	ADJ
esutjss-163	130	25	consequences	consequence	NOUN
esutjss-163	130	26	and	and	CCONJ
esutjss-163	130	27	have	have	AUX
esutjss-163	130	28	argued	argue	VERB
esutjss-163	130	29	how	how	SCONJ
esutjss-163	130	30	to	to	PART
esutjss-163	130	31	112	112	NUM
esutjss-163	130	32	preserve	preserve	VERB
esutjss-163	130	33	the	the	DET
esutjss-163	130	34	capital	capital	NOUN
esutjss-163	130	35	endowments	endowment	NOUN
esutjss-163	130	36	required	require	VERB
esutjss-163	130	37	to	to	PART
esutjss-163	130	38	sustain	sustain	VERB
esutjss-163	130	39	such	such	ADJ
esutjss-163	130	40	revenue	revenue	NOUN
esutjss-163	130	41	flows	flow	NOUN
esutjss-163	130	42	.	.	PUNCT
esutjss-163	131	1	the	the	DET
esutjss-163	131	2	debate	debate	NOUN
esutjss-163	131	3	over	over	ADP
esutjss-163	131	4	the	the	DET
esutjss-163	131	5	substitutability	substitutability	NOUN
esutjss-163	131	6	of	of	ADP
esutjss-163	131	7	natural	natural	ADJ
esutjss-163	131	8	and	and	CCONJ
esutjss-163	131	9	human	human	NOUN
esutjss-163	131	10	-	-	PUNCT
esutjss-163	131	11	made	make	VERB
esutjss-163	131	12	capital	capital	NOUN
esutjss-163	131	13	has	have	AUX
esutjss-163	131	14	split	split	VERB
esutjss-163	131	15	supporters	supporter	NOUN
esutjss-163	131	16	of	of	ADP
esutjss-163	131	17	weak	weak	ADJ
esutjss-163	131	18	and	and	CCONJ
esutjss-163	131	19	strong	strong	ADJ
esutjss-163	131	20	sustainability	sustainability	NOUN
esutjss-163	131	21	:	:	PUNCT
esutjss-163	131	22	the	the	DET
esutjss-163	131	23	former	former	ADJ
esutjss-163	131	24	claim	claim	NOUN
esutjss-163	131	25	that	that	SCONJ
esutjss-163	131	26	the	the	DET
esutjss-163	131	27	two	two	NUM
esutjss-163	131	28	forms	form	NOUN
esutjss-163	131	29	of	of	ADP
esutjss-163	131	30	capital	capital	NOUN
esutjss-163	131	31	are	be	AUX
esutjss-163	131	32	generally	generally	ADV
esutjss-163	131	33	interchangeable	interchangeable	ADJ
esutjss-163	131	34	,	,	PUNCT
esutjss-163	131	35	while	while	SCONJ
esutjss-163	131	36	the	the	DET
esutjss-163	131	37	latter	latter	NOUN
esutjss-163	131	38	contend	contend	VERB
esutjss-163	131	39	that	that	SCONJ
esutjss-163	131	40	natural	natural	ADJ
esutjss-163	131	41	capital	capital	NOUN
esutjss-163	131	42	is	be	AUX
esutjss-163	131	43	becoming	become	VERB
esutjss-163	131	44	increasingly	increasingly	ADV
esutjss-163	131	45	limited	limited	ADJ
esutjss-163	131	46	.	.	PUNCT
esutjss-163	132	1	moreover	moreover	ADV
esutjss-163	132	2	,	,	PUNCT
esutjss-163	132	3	ecosystem	ecosystem	NOUN
esutjss-163	132	4	services	service	NOUN
esutjss-163	132	5	such	such	ADJ
esutjss-163	132	6	as	as	ADP
esutjss-163	132	7	clean	clean	ADJ
esutjss-163	132	8	water	water	NOUN
esutjss-163	132	9	availability	availability	NOUN
esutjss-163	132	10	or	or	CCONJ
esutjss-163	132	11	crop	crop	NOUN
esutjss-163	132	12	pollination	pollination	NOUN
esutjss-163	132	13	are	be	AUX
esutjss-163	132	14	frequently	frequently	ADV
esutjss-163	132	15	neglected	neglect	VERB
esutjss-163	132	16	features	feature	NOUN
esutjss-163	132	17	of	of	ADP
esutjss-163	132	18	natural	natural	ADJ
esutjss-163	132	19	capital	capital	NOUN
esutjss-163	132	20	that	that	PRON
esutjss-163	132	21	should	should	AUX
esutjss-163	132	22	be	be	AUX
esutjss-163	132	23	included	include	VERB
esutjss-163	132	24	in	in	ADP
esutjss-163	132	25	economic	economic	ADJ
esutjss-163	132	26	debates	debate	NOUN
esutjss-163	132	27	about	about	ADP
esutjss-163	132	28	sustainability	sustainability	NOUN
esutjss-163	132	29	.	.	PUNCT
esutjss-163	133	1	the	the	DET
esutjss-163	133	2	long	long	ADJ
esutjss-163	133	3	-	-	PUNCT
esutjss-163	133	4	term	term	NOUN
esutjss-163	133	5	survival	survival	NOUN
esutjss-163	133	6	of	of	ADP
esutjss-163	133	7	a	a	DET
esutjss-163	133	8	community	community	NOUN
esutjss-163	133	9	,	,	PUNCT
esutjss-163	133	10	a	a	DET
esutjss-163	133	11	group	group	NOUN
esutjss-163	133	12	of	of	ADP
esutjss-163	133	13	social	social	ADJ
esutjss-163	133	14	institutions	institution	NOUN
esutjss-163	133	15	,	,	PUNCT
esutjss-163	133	16	or	or	CCONJ
esutjss-163	133	17	a	a	DET
esutjss-163	133	18	cultural	cultural	ADJ
esutjss-163	133	19	practice	practice	NOUN
esutjss-163	133	20	in	in	ADP
esutjss-163	133	21	general	general	ADJ
esutjss-163	133	22	,	,	PUNCT
esutjss-163	133	23	sustainability	sustainability	NOUN
esutjss-163	133	24	is	be	AUX
esutjss-163	133	25	defined	define	VERB
esutjss-163	133	26	as	as	ADP
esutjss-163	133	27	a	a	DET
esutjss-163	133	28	type	type	NOUN
esutjss-163	133	29	of	of	ADP
esutjss-163	133	30	intergenerational	intergenerational	ADJ
esutjss-163	133	31	ethics	ethic	NOUN
esutjss-163	133	32	in	in	ADP
esutjss-163	133	33	which	which	PRON
esutjss-163	133	34	present	present	ADJ
esutjss-163	133	35	-	-	PUNCT
esutjss-163	133	36	day	day	NOUN
esutjss-163	133	37	environmental	environmental	ADJ
esutjss-163	133	38	and	and	CCONJ
esutjss-163	133	39	economic	economic	ADJ
esutjss-163	133	40	behaviours	behaviour	NOUN
esutjss-163	133	41	do	do	AUX
esutjss-163	133	42	not	not	PART
esutjss-163	133	43	reduce	reduce	VERB
esutjss-163	133	44	future	future	ADJ
esutjss-163	133	45	generations	generation	NOUN
esutjss-163	133	46	'	'	PART
esutjss-163	133	47	possibilities	possibility	NOUN
esutjss-163	133	48	to	to	PART
esutjss-163	133	49	experience	experience	VERB
esutjss-163	133	50	equivalent	equivalent	ADJ
esutjss-163	133	51	levels	level	NOUN
esutjss-163	133	52	of	of	ADP
esutjss-163	133	53	wealth	wealth	NOUN
esutjss-163	133	54	,	,	PUNCT
esutjss-163	133	55	utility	utility	NOUN
esutjss-163	133	56	,	,	PUNCT
esutjss-163	133	57	or	or	CCONJ
esutjss-163	133	58	welfare	welfare	NOUN
esutjss-163	133	59	.	.	PUNCT
esutjss-163	134	1	the	the	DET
esutjss-163	134	2	concept	concept	NOUN
esutjss-163	134	3	of	of	ADP
esutjss-163	134	4	sustainability	sustainability	NOUN
esutjss-163	134	5	gained	gain	VERB
esutjss-163	134	6	prominence	prominence	NOUN
esutjss-163	134	7	with	with	ADP
esutjss-163	134	8	the	the	DET
esutjss-163	134	9	modern	modern	ADJ
esutjss-163	134	10	environmental	environmental	ADJ
esutjss-163	134	11	movement	movement	NOUN
esutjss-163	134	12	,	,	PUNCT
esutjss-163	134	13	which	which	PRON
esutjss-163	134	14	criticized	criticize	VERB
esutjss-163	134	15	the	the	DET
esutjss-163	134	16	unsustainable	unsustainable	ADJ
esutjss-163	134	17	nature	nature	NOUN
esutjss-163	134	18	of	of	ADP
esutjss-163	134	19	contemporary	contemporary	ADJ
esutjss-163	134	20	civilizations	civilization	NOUN
esutjss-163	134	21	in	in	ADP
esutjss-163	134	22	which	which	PRON
esutjss-163	134	23	patterns	pattern	NOUN
esutjss-163	134	24	of	of	ADP
esutjss-163	134	25	resource	resource	NOUN
esutjss-163	134	26	use	use	NOUN
esutjss-163	134	27	,	,	PUNCT
esutjss-163	134	28	expansion	expansion	NOUN
esutjss-163	134	29	,	,	PUNCT
esutjss-163	134	30	and	and	CCONJ
esutjss-163	134	31	consumerism	consumerism	NOUN
esutjss-163	134	32	jeopardized	jeopardize	VERB
esutjss-163	134	33	the	the	DET
esutjss-163	134	34	integrity	integrity	NOUN
esutjss-163	134	35	of	of	ADP
esutjss-163	134	36	ecosystems	ecosystem	NOUN
esutjss-163	134	37	and	and	CCONJ
esutjss-163	134	38	the	the	DET
esutjss-163	134	39	well	well	ADV
esutjss-163	134	40	-	-	PUNCT
esutjss-163	134	41	being	being	NOUN
esutjss-163	134	42	of	of	ADP
esutjss-163	134	43	future	future	ADJ
esutjss-163	134	44	generations	generation	NOUN
esutjss-163	134	45	.	.	PUNCT
esutjss-163	135	1	sustainability	sustainability	NOUN
esutjss-163	135	2	is	be	AUX
esutjss-163	135	3	shown	show	VERB
esutjss-163	135	4	as	as	ADP
esutjss-163	135	5	a	a	DET
esutjss-163	135	6	viable	viable	ADJ
esutjss-163	135	7	alternative	alternative	NOUN
esutjss-163	135	8	to	to	ADP
esutjss-163	135	9	short	short	ADJ
esutjss-163	135	10	-	-	PUNCT
esutjss-163	135	11	term	term	NOUN
esutjss-163	135	12	,	,	PUNCT
esutjss-163	135	13	short	short	ADJ
esutjss-163	135	14	-	-	PUNCT
esutjss-163	135	15	sighted	sighted	ADJ
esutjss-163	135	16	,	,	PUNCT
esutjss-163	135	17	and	and	CCONJ
esutjss-163	135	18	wasteful	wasteful	ADJ
esutjss-163	135	19	behaviour	behaviour	NOUN
esutjss-163	135	20	.	.	PUNCT
esutjss-163	136	1	it	it	PRON
esutjss-163	136	2	can	can	AUX
esutjss-163	136	3	serve	serve	VERB
esutjss-163	136	4	as	as	ADP
esutjss-163	136	5	a	a	DET
esutjss-163	136	6	benchmark	benchmark	NOUN
esutjss-163	136	7	against	against	ADP
esutjss-163	136	8	which	which	PRON
esutjss-163	136	9	current	current	ADJ
esutjss-163	136	10	institutions	institution	NOUN
esutjss-163	136	11	can	can	AUX
esutjss-163	136	12	be	be	AUX
esutjss-163	136	13	measured	measure	VERB
esutjss-163	136	14	,	,	PUNCT
esutjss-163	136	15	as	as	ADV
esutjss-163	136	16	well	well	ADV
esutjss-163	136	17	as	as	ADP
esutjss-163	136	18	a	a	DET
esutjss-163	136	19	goal	goal	NOUN
esutjss-163	136	20	toward	toward	ADP
esutjss-163	136	21	which	which	PRON
esutjss-163	136	22	society	society	NOUN
esutjss-163	136	23	should	should	AUX
esutjss-163	136	24	strive	strive	VERB
esutjss-163	136	25	.	.	PUNCT
esutjss-163	137	1	sustainability	sustainability	NOUN
esutjss-163	137	2	also	also	ADV
esutjss-163	137	3	entails	entail	VERB
esutjss-163	137	4	questioning	question	VERB
esutjss-163	137	5	current	current	ADJ
esutjss-163	137	6	modalities	modality	NOUN
esutjss-163	137	7	of	of	ADP
esutjss-163	137	8	social	social	ADJ
esutjss-163	137	9	organization	organization	NOUN
esutjss-163	137	10	to	to	PART
esutjss-163	137	11	identify	identify	VERB
esutjss-163	137	12	the	the	DET
esutjss-163	137	13	extent	extent	NOUN
esutjss-163	137	14	to	to	PART
esutjss-163	137	15	which	which	PRON
esutjss-163	137	16	they	they	PRON
esutjss-163	137	17	support	support	VERB
esutjss-163	137	18	damaging	damaging	ADJ
esutjss-163	137	19	habits	habit	NOUN
esutjss-163	137	20	,	,	PUNCT
esutjss-163	137	21	as	as	ADV
esutjss-163	137	22	well	well	ADV
esutjss-163	137	23	as	as	ADP
esutjss-163	137	24	a	a	DET
esutjss-163	137	25	concerted	concerted	ADJ
esutjss-163	137	26	attempt	attempt	NOUN
esutjss-163	137	27	to	to	PART
esutjss-163	137	28	modify	modify	VERB
esutjss-163	137	29	the	the	DET
esutjss-163	137	30	status	status	NOUN
esutjss-163	137	31	quo	quo	NOUN
esutjss-163	137	32	in	in	ADP
esutjss-163	137	33	order	order	NOUN
esutjss-163	137	34	to	to	PART
esutjss-163	137	35	foster	foster	VERB
esutjss-163	137	36	the	the	DET
esutjss-163	137	37	growth	growth	NOUN
esutjss-163	137	38	of	of	ADP
esutjss-163	137	39	more	more	ADV
esutjss-163	137	40	sustainable	sustainable	ADJ
esutjss-163	137	41	activities	activity	NOUN
esutjss-163	137	42	.	.	PUNCT
esutjss-163	138	1	transformational	transformational	ADJ
esutjss-163	138	2	leadership	leadership	NOUN
esutjss-163	138	3	theory	theory	NOUN
esutjss-163	138	4	transformational	transformational	ADJ
esutjss-163	138	5	leadership	leadership	NOUN
esutjss-163	138	6	was	be	AUX
esutjss-163	138	7	coined	coin	VERB
esutjss-163	138	8	by	by	ADP
esutjss-163	138	9	james	james	PROPN
esutjss-163	138	10	v.	v.	ADP
esutjss-163	138	11	downton	downton	PROPN
esutjss-163	138	12	and	and	CCONJ
esutjss-163	138	13	improved	improve	VERB
esutjss-163	138	14	by	by	ADP
esutjss-163	138	15	leadership	leadership	NOUN
esutjss-163	138	16	expert	expert	NOUN
esutjss-163	138	17	james	james	PROPN
esutjss-163	138	18	macgregor	macgregor	PROPN
esutjss-163	138	19	burns	burn	VERB
esutjss-163	138	20	in	in	ADP
esutjss-163	138	21	2004	2004	NUM
esutjss-163	138	22	.	.	PUNCT
esutjss-163	139	1	according	accord	VERB
esutjss-163	139	2	to	to	ADP
esutjss-163	139	3	burns	burn	NOUN
esutjss-163	139	4	,	,	PUNCT
esutjss-163	139	5	transformational	transformational	ADJ
esutjss-163	139	6	leadership	leadership	NOUN
esutjss-163	139	7	happens	happen	VERB
esutjss-163	139	8	when	when	SCONJ
esutjss-163	139	9	"	"	PUNCT
esutjss-163	139	10	leaders	leader	NOUN
esutjss-163	139	11	and	and	CCONJ
esutjss-163	139	12	followers	follower	NOUN
esutjss-163	139	13	assist	assist	VERB
esutjss-163	139	14	one	one	NUM
esutjss-163	139	15	another	another	DET
esutjss-163	139	16	in	in	ADP
esutjss-163	139	17	evolving	evolve	VERB
esutjss-163	139	18	to	to	ADP
esutjss-163	139	19	a	a	DET
esutjss-163	139	20	higher	high	ADJ
esutjss-163	139	21	degree	degree	NOUN
esutjss-163	139	22	of	of	ADP
esutjss-163	139	23	morality	morality	NOUN
esutjss-163	139	24	and	and	CCONJ
esutjss-163	139	25	motivation	motivation	NOUN
esutjss-163	139	26	.	.	PUNCT
esutjss-163	139	27	"	"	PUNCT
esutjss-163	140	1	based	base	VERB
esutjss-163	140	2	on	on	ADP
esutjss-163	140	3	burns	burn	NOUN
esutjss-163	140	4	'	'	PART
esutjss-163	140	5	early	early	ADJ
esutjss-163	140	6	views	view	NOUN
esutjss-163	140	7	,	,	PUNCT
esutjss-163	140	8	professor	professor	PROPN
esutjss-163	140	9	bernard	bernard	PROPN
esutjss-163	140	10	m.	m.	PROPN
esutjss-163	140	11	bass	bass	PROPN
esutjss-163	140	12	later	later	ADV
esutjss-163	140	13	created	create	VERB
esutjss-163	140	14	what	what	PRON
esutjss-163	140	15	is	be	AUX
esutjss-163	140	16	now	now	ADV
esutjss-163	140	17	known	know	VERB
esutjss-163	140	18	as	as	ADP
esutjss-163	140	19	bass	bass	NOUN
esutjss-163	140	20	'	'	PART
esutjss-163	140	21	transformational	transformational	ADJ
esutjss-163	140	22	leadership	leadership	NOUN
esutjss-163	140	23	theory	theory	NOUN
esutjss-163	140	24	.	.	PUNCT
esutjss-163	141	1	according	accord	VERB
esutjss-163	141	2	to	to	ADP
esutjss-163	141	3	bass	bass	NOUN
esutjss-163	141	4	,	,	PUNCT
esutjss-163	141	5	transformational	transformational	ADJ
esutjss-163	141	6	leadership	leadership	NOUN
esutjss-163	141	7	is	be	AUX
esutjss-163	141	8	defined	define	VERB
esutjss-163	141	9	by	by	ADP
esutjss-163	141	10	its	its	PRON
esutjss-163	141	11	influence	influence	NOUN
esutjss-163	141	12	on	on	ADP
esutjss-163	141	13	followers	follower	NOUN
esutjss-163	141	14	,	,	PUNCT
esutjss-163	141	15	which	which	PRON
esutjss-163	141	16	includes	include	VERB
esutjss-163	141	17	elements	element	NOUN
esutjss-163	141	18	such	such	ADJ
esutjss-163	141	19	as	as	ADP
esutjss-163	141	20	moral	moral	ADJ
esutjss-163	141	21	standards	standard	NOUN
esutjss-163	141	22	,	,	PUNCT
esutjss-163	141	23	authenticity	authenticity	NOUN
esutjss-163	141	24	,	,	PUNCT
esutjss-163	141	25	harmony	harmony	NOUN
esutjss-163	141	26	,	,	PUNCT
esutjss-163	141	27	and	and	CCONJ
esutjss-163	141	28	convincing	convincing	ADJ
esutjss-163	141	29	arguments	argument	NOUN
esutjss-163	141	30	.	.	PUNCT
esutjss-163	142	1	while	while	SCONJ
esutjss-163	142	2	they	they	PRON
esutjss-163	142	3	are	be	AUX
esutjss-163	142	4	still	still	ADV
esutjss-163	142	5	crucial	crucial	ADJ
esutjss-163	142	6	traits	trait	NOUN
esutjss-163	142	7	and	and	CCONJ
esutjss-163	142	8	actions	action	NOUN
esutjss-163	142	9	of	of	ADP
esutjss-163	142	10	a	a	DET
esutjss-163	142	11	transformative	transformative	ADJ
esutjss-163	142	12	leader	leader	NOUN
esutjss-163	142	13	,	,	PUNCT
esutjss-163	142	14	they	they	PRON
esutjss-163	142	15	are	be	AUX
esutjss-163	142	16	insufficient	insufficient	ADJ
esutjss-163	142	17	in	in	ADP
esutjss-163	142	18	today	today	NOUN
esutjss-163	142	19	's	's	PART
esutjss-163	142	20	world	world	NOUN
esutjss-163	142	21	,	,	PUNCT
esutjss-163	142	22	when	when	SCONJ
esutjss-163	142	23	many	many	ADJ
esutjss-163	142	24	individuals	individual	NOUN
esutjss-163	142	25	are	be	AUX
esutjss-163	142	26	unclear	unclear	ADJ
esutjss-163	142	27	what	what	PRON
esutjss-163	142	28	to	to	PART
esutjss-163	142	29	do	do	VERB
esutjss-163	142	30	in	in	ADP
esutjss-163	142	31	the	the	DET
esutjss-163	142	32	face	face	NOUN
esutjss-163	142	33	of	of	ADP
esutjss-163	142	34	digital	digital	ADJ
esutjss-163	142	35	instability	instability	NOUN
esutjss-163	142	36	.	.	PUNCT
esutjss-163	143	1	this	this	PRON
esutjss-163	143	2	is	be	AUX
esutjss-163	143	3	demonstrated	demonstrate	VERB
esutjss-163	143	4	by	by	ADP
esutjss-163	143	5	the	the	DET
esutjss-163	143	6	increasing	increase	VERB
esutjss-163	143	7	death	death	NOUN
esutjss-163	143	8	rate	rate	NOUN
esutjss-163	143	9	of	of	ADP
esutjss-163	143	10	business	business	NOUN
esutjss-163	143	11	titans	titan	NOUN
esutjss-163	143	12	such	such	ADJ
esutjss-163	143	13	as	as	ADP
esutjss-163	143	14	nokia	nokia	NOUN
esutjss-163	143	15	,	,	PUNCT
esutjss-163	143	16	toys	toy	NOUN
esutjss-163	143	17	"	"	PUNCT
esutjss-163	143	18	r	r	NOUN
esutjss-163	143	19	"	"	PUNCT
esutjss-163	143	20	us	us	PROPN
esutjss-163	143	21	,	,	PUNCT
esutjss-163	143	22	and	and	CCONJ
esutjss-163	143	23	sears	sear	NOUN
esutjss-163	143	24	,	,	PUNCT
esutjss-163	143	25	among	among	ADP
esutjss-163	143	26	others	other	NOUN
esutjss-163	143	27	.	.	PUNCT
esutjss-163	144	1	these	these	DET
esutjss-163	144	2	executives	executive	NOUN
esutjss-163	144	3	,	,	PUNCT
esutjss-163	144	4	who	who	PRON
esutjss-163	144	5	were	be	AUX
esutjss-163	144	6	present	present	ADJ
esutjss-163	144	7	at	at	ADP
esutjss-163	144	8	the	the	DET
esutjss-163	144	9	inception	inception	NOUN
esutjss-163	144	10	of	of	ADP
esutjss-163	144	11	transformative	transformative	ADJ
esutjss-163	144	12	leadership	leadership	NOUN
esutjss-163	144	13	,	,	PUNCT
esutjss-163	144	14	argued	argue	VERB
esutjss-163	144	15	that	that	SCONJ
esutjss-163	144	16	they	they	PRON
esutjss-163	144	17	had	have	AUX
esutjss-163	144	18	done	do	VERB
esutjss-163	144	19	nothing	nothing	PRON
esutjss-163	144	20	wrong	wrong	ADJ
esutjss-163	144	21	but	but	CCONJ
esutjss-163	144	22	that	that	SCONJ
esutjss-163	144	23	they	they	PRON
esutjss-163	144	24	had	have	AUX
esutjss-163	144	25	lost	lose	VERB
esutjss-163	144	26	.	.	PUNCT
esutjss-163	145	1	vision	vision	NOUN
esutjss-163	145	2	,	,	PUNCT
esutjss-163	145	3	inspiration	inspiration	NOUN
esutjss-163	145	4	,	,	PUNCT
esutjss-163	145	5	and	and	CCONJ
esutjss-163	145	6	desire	desire	NOUN
esutjss-163	145	7	,	,	PUNCT
esutjss-163	145	8	among	among	ADP
esutjss-163	145	9	other	other	ADJ
esutjss-163	145	10	"	"	PUNCT
esutjss-163	145	11	softer	soft	ADJ
esutjss-163	145	12	"	"	PUNCT
esutjss-163	145	13	qualities	quality	NOUN
esutjss-163	145	14	of	of	ADP
esutjss-163	145	15	revolutionary	revolutionary	ADJ
esutjss-163	145	16	leadership	leadership	NOUN
esutjss-163	145	17	,	,	PUNCT
esutjss-163	145	18	are	be	AUX
esutjss-163	145	19	sadly	sadly	ADV
esutjss-163	145	20	absent	absent	ADJ
esutjss-163	145	21	.	.	PUNCT
esutjss-163	146	1	making	make	VERB
esutjss-163	146	2	sense	sense	NOUN
esutjss-163	146	3	of	of	ADP
esutjss-163	146	4	what	what	PRON
esutjss-163	146	5	is	be	AUX
esutjss-163	146	6	happening	happen	VERB
esutjss-163	146	7	in	in	ADP
esutjss-163	146	8	the	the	DET
esutjss-163	146	9	environment	environment	NOUN
esutjss-163	146	10	,	,	PUNCT
esutjss-163	146	11	developing	develop	VERB
esutjss-163	146	12	digital	digital	ADJ
esutjss-163	146	13	transformation	transformation	NOUN
esutjss-163	146	14	strategies	strategy	NOUN
esutjss-163	146	15	for	for	ADP
esutjss-163	146	16	sustainability	sustainability	NOUN
esutjss-163	146	17	and	and	CCONJ
esutjss-163	146	18	growth	growth	NOUN
esutjss-163	146	19	,	,	PUNCT
esutjss-163	146	20	innovating	innovate	VERB
esutjss-163	146	21	the	the	DET
esutjss-163	146	22	business	business	NOUN
esutjss-163	146	23	model	model	NOUN
esutjss-163	146	24	,	,	PUNCT
esutjss-163	146	25	a	a	DET
esutjss-163	146	26	bias	bias	NOUN
esutjss-163	146	27	for	for	ADP
esutjss-163	146	28	relentless	relentless	ADJ
esutjss-163	146	29	and	and	CCONJ
esutjss-163	146	30	well	well	ADV
esutjss-163	146	31	-	-	PUNCT
esutjss-163	146	32	integrated	integrate	VERB
esutjss-163	146	33	execution	execution	NOUN
esutjss-163	146	34	,	,	PUNCT
esutjss-163	146	35	and	and	CCONJ
esutjss-163	146	36	a	a	DET
esutjss-163	146	37	drive	drive	NOUN
esutjss-163	146	38	for	for	ADP
esutjss-163	146	39	change	change	NOUN
esutjss-163	146	40	in	in	ADP
esutjss-163	146	41	organizational	organizational	ADJ
esutjss-163	146	42	culture	culture	NOUN
esutjss-163	146	43	are	be	AUX
esutjss-163	146	44	the	the	DET
esutjss-163	146	45	new	new	ADJ
esutjss-163	146	46	facets	facet	NOUN
esutjss-163	146	47	of	of	ADP
esutjss-163	146	48	transformational	transformational	ADJ
esutjss-163	146	49	leadership	leadership	NOUN
esutjss-163	146	50	in	in	ADP
esutjss-163	146	51	the	the	DET
esutjss-163	146	52	digital	digital	ADJ
esutjss-163	146	53	age	age	NOUN
esutjss-163	146	54	.	.	PUNCT
esutjss-163	147	1	113	113	NUM
esutjss-163	147	2	conceptual	conceptual	ADJ
esutjss-163	147	3	framework	framework	NOUN
esutjss-163	147	4	authors	author	NOUN
esutjss-163	147	5	computation	computation	VERB
esutjss-163	147	6	,	,	PUNCT
esutjss-163	147	7	2022	2022	NUM
esutjss-163	147	8	methodology	methodology	NOUN
esutjss-163	147	9	the	the	DET
esutjss-163	147	10	study	study	NOUN
esutjss-163	147	11	employed	employ	VERB
esutjss-163	147	12	a	a	DET
esutjss-163	147	13	descriptive	descriptive	ADJ
esutjss-163	147	14	research	research	NOUN
esutjss-163	147	15	approach	approach	NOUN
esutjss-163	147	16	,	,	PUNCT
esutjss-163	147	17	which	which	PRON
esutjss-163	147	18	will	will	AUX
esutjss-163	147	19	include	include	VERB
esutjss-163	147	20	research	research	NOUN
esutjss-163	147	21	questions	question	NOUN
esutjss-163	147	22	and	and	CCONJ
esutjss-163	147	23	hypotheses	hypothesis	NOUN
esutjss-163	147	24	.	.	PUNCT
esutjss-163	148	1	this	this	DET
esutjss-163	148	2	design	design	NOUN
esutjss-163	148	3	strategy	strategy	NOUN
esutjss-163	148	4	is	be	AUX
esutjss-163	148	5	generally	generally	ADV
esutjss-163	148	6	used	use	VERB
esutjss-163	148	7	when	when	SCONJ
esutjss-163	148	8	it	it	PRON
esutjss-163	148	9	is	be	AUX
esutjss-163	148	10	difficult	difficult	ADJ
esutjss-163	148	11	to	to	PART
esutjss-163	148	12	control	control	VERB
esutjss-163	148	13	the	the	DET
esutjss-163	148	14	experience	experience	NOUN
esutjss-163	148	15	,	,	PUNCT
esutjss-163	148	16	exposure	exposure	NOUN
esutjss-163	148	17	,	,	PUNCT
esutjss-163	148	18	or	or	CCONJ
esutjss-163	148	19	repercussions	repercussion	NOUN
esutjss-163	148	20	that	that	SCONJ
esutjss-163	148	21	participants	participant	NOUN
esutjss-163	148	22	may	may	AUX
esutjss-163	148	23	have	have	VERB
esutjss-163	148	24	.	.	PUNCT
esutjss-163	149	1	this	this	PRON
esutjss-163	149	2	is	be	AUX
esutjss-163	149	3	acceptable	acceptable	ADJ
esutjss-163	149	4	since	since	SCONJ
esutjss-163	149	5	it	it	PRON
esutjss-163	149	6	permits	permit	VERB
esutjss-163	149	7	the	the	DET
esutjss-163	149	8	researcher	researcher	NOUN
esutjss-163	149	9	to	to	PART
esutjss-163	149	10	report	report	VERB
esutjss-163	149	11	what	what	PRON
esutjss-163	149	12	is	be	AUX
esutjss-163	149	13	happening	happen	VERB
esutjss-163	149	14	as	as	SCONJ
esutjss-163	149	15	it	it	PRON
esutjss-163	149	16	occurs	occur	VERB
esutjss-163	149	17	.	.	PUNCT
esutjss-163	150	1	the	the	DET
esutjss-163	150	2	study	study	NOUN
esutjss-163	150	3	's	's	PART
esutjss-163	150	4	target	target	NOUN
esutjss-163	150	5	population	population	NOUN
esutjss-163	150	6	consists	consist	VERB
esutjss-163	150	7	of	of	ADP
esutjss-163	150	8	nigerian	nigerian	ADJ
esutjss-163	150	9	insurance	insurance	NOUN
esutjss-163	150	10	businesses	business	NOUN
esutjss-163	150	11	that	that	PRON
esutjss-163	150	12	have	have	AUX
esutjss-163	150	13	been	be	AUX
esutjss-163	150	14	officially	officially	ADV
esutjss-163	150	15	registered	register	VERB
esutjss-163	150	16	by	by	ADP
esutjss-163	150	17	the	the	DET
esutjss-163	150	18	national	national	PROPN
esutjss-163	150	19	insurance	insurance	PROPN
esutjss-163	150	20	commission	commission	PROPN
esutjss-163	150	21	(	(	PUNCT
esutjss-163	150	22	naicom	naicom	PROPN
esutjss-163	150	23	)	)	PUNCT
esutjss-163	150	24	and	and	CCONJ
esutjss-163	150	25	the	the	DET
esutjss-163	150	26	corporate	corporate	PROPN
esutjss-163	150	27	affairs	affairs	PROPN
esutjss-163	150	28	commission	commission	PROPN
esutjss-163	150	29	(	(	PUNCT
esutjss-163	150	30	cac	cac	PROPN
esutjss-163	150	31	)	)	PUNCT
esutjss-163	150	32	and	and	CCONJ
esutjss-163	150	33	are	be	AUX
esutjss-163	150	34	completely	completely	ADV
esutjss-163	150	35	recapitalized	recapitalize	VERB
esutjss-163	150	36	.	.	PUNCT
esutjss-163	151	1	the	the	DET
esutjss-163	151	2	reason	reason	NOUN
esutjss-163	151	3	for	for	ADP
esutjss-163	151	4	selecting	select	VERB
esutjss-163	151	5	these	these	DET
esutjss-163	151	6	organizations	organization	NOUN
esutjss-163	151	7	is	be	AUX
esutjss-163	151	8	that	that	SCONJ
esutjss-163	151	9	they	they	PRON
esutjss-163	151	10	are	be	AUX
esutjss-163	151	11	wellknown	wellknown	ADJ
esutjss-163	151	12	insurance	insurance	NOUN
esutjss-163	151	13	companies	company	NOUN
esutjss-163	151	14	in	in	ADP
esutjss-163	151	15	the	the	DET
esutjss-163	151	16	market	market	NOUN
esutjss-163	151	17	,	,	PUNCT
esutjss-163	151	18	and	and	CCONJ
esutjss-163	151	19	their	their	PRON
esutjss-163	151	20	personnel	personnel	NOUN
esutjss-163	151	21	have	have	AUX
esutjss-163	151	22	embraced	embrace	VERB
esutjss-163	151	23	digitization	digitization	NOUN
esutjss-163	151	24	in	in	ADP
esutjss-163	151	25	their	their	PRON
esutjss-163	151	26	regular	regular	ADJ
esutjss-163	151	27	business	business	NOUN
esutjss-163	151	28	operations	operation	NOUN
esutjss-163	151	29	.	.	PUNCT
esutjss-163	152	1	purposive	purposive	ADJ
esutjss-163	152	2	sampling	sampling	NOUN
esutjss-163	152	3	was	be	AUX
esutjss-163	152	4	used	use	VERB
esutjss-163	152	5	in	in	ADP
esutjss-163	152	6	the	the	DET
esutjss-163	152	7	study	study	NOUN
esutjss-163	152	8	because	because	SCONJ
esutjss-163	152	9	it	it	PRON
esutjss-163	152	10	focuses	focus	VERB
esutjss-163	152	11	on	on	ADP
esutjss-163	152	12	informants	informant	NOUN
esutjss-163	152	13	or	or	CCONJ
esutjss-163	152	14	respondents	respondent	NOUN
esutjss-163	152	15	who	who	PRON
esutjss-163	152	16	are	be	AUX
esutjss-163	152	17	important	important	ADJ
esutjss-163	152	18	and	and	CCONJ
esutjss-163	152	19	relevant	relevant	ADJ
esutjss-163	152	20	to	to	ADP
esutjss-163	152	21	the	the	DET
esutjss-163	152	22	inquiry	inquiry	NOUN
esutjss-163	152	23	.	.	PUNCT
esutjss-163	153	1	purposive	purposive	ADJ
esutjss-163	153	2	sampling	sampling	NOUN
esutjss-163	153	3	is	be	AUX
esutjss-163	153	4	excellent	excellent	ADJ
esutjss-163	153	5	since	since	SCONJ
esutjss-163	153	6	not	not	PART
esutjss-163	153	7	all	all	DET
esutjss-163	153	8	individuals	individual	NOUN
esutjss-163	153	9	in	in	ADP
esutjss-163	153	10	the	the	DET
esutjss-163	153	11	population	population	NOUN
esutjss-163	153	12	are	be	AUX
esutjss-163	153	13	relevant	relevant	ADJ
esutjss-163	153	14	and	and	CCONJ
esutjss-163	153	15	have	have	VERB
esutjss-163	153	16	information	information	NOUN
esutjss-163	153	17	on	on	ADP
esutjss-163	153	18	the	the	DET
esutjss-163	153	19	study	study	NOUN
esutjss-163	153	20	questions	question	NOUN
esutjss-163	153	21	and	and	CCONJ
esutjss-163	153	22	objectives	objective	NOUN
esutjss-163	153	23	.	.	PUNCT
esutjss-163	154	1	purposive	purposive	ADJ
esutjss-163	154	2	sampling	sampling	NOUN
esutjss-163	154	3	,	,	PUNCT
esutjss-163	154	4	also	also	ADV
esutjss-163	154	5	known	know	VERB
esutjss-163	154	6	as	as	ADP
esutjss-163	154	7	judgmental	judgmental	ADJ
esutjss-163	154	8	sampling	sampling	NOUN
esutjss-163	154	9	,	,	PUNCT
esutjss-163	154	10	is	be	AUX
esutjss-163	154	11	the	the	DET
esutjss-163	154	12	deliberate	deliberate	ADJ
esutjss-163	154	13	selection	selection	NOUN
esutjss-163	154	14	of	of	ADP
esutjss-163	154	15	informants	informant	NOUN
esutjss-163	154	16	or	or	CCONJ
esutjss-163	154	17	respondents	respondent	NOUN
esutjss-163	154	18	based	base	VERB
esutjss-163	154	19	on	on	ADP
esutjss-163	154	20	the	the	DET
esutjss-163	154	21	features	feature	NOUN
esutjss-163	154	22	or	or	CCONJ
esutjss-163	154	23	qualities	quality	NOUN
esutjss-163	154	24	they	they	PRON
esutjss-163	154	25	possess	possess	VERB
esutjss-163	154	26	.	.	PUNCT
esutjss-163	155	1	it	it	PRON
esutjss-163	155	2	is	be	AUX
esutjss-163	155	3	also	also	ADV
esutjss-163	155	4	a	a	DET
esutjss-163	155	5	nonrandom	nonrandom	NOUN
esutjss-163	155	6	strategy	strategy	NOUN
esutjss-163	155	7	that	that	PRON
esutjss-163	155	8	does	do	AUX
esutjss-163	155	9	not	not	PART
esutjss-163	155	10	need	need	VERB
esutjss-163	155	11	underlying	underlying	ADJ
esutjss-163	155	12	ideas	idea	NOUN
esutjss-163	155	13	or	or	CCONJ
esutjss-163	155	14	a	a	DET
esutjss-163	155	15	predetermined	predetermined	ADJ
esutjss-163	155	16	number	number	NOUN
esutjss-163	155	17	of	of	ADP
esutjss-163	155	18	informants	informant	NOUN
esutjss-163	155	19	(	(	PUNCT
esutjss-163	155	20	bernard	bernard	NOUN
esutjss-163	155	21	,	,	PUNCT
esutjss-163	155	22	2002	2002	NUM
esutjss-163	155	23	;	;	PUNCT
esutjss-163	155	24	lewis	lewis	PROPN
esutjss-163	155	25	&	&	CCONJ
esutjss-163	155	26	sheppard	sheppard	PROPN
esutjss-163	155	27	,	,	PUNCT
esutjss-163	155	28	2006	2006	NUM
esutjss-163	155	29	)	)	PUNCT
esutjss-163	155	30	.	.	PUNCT
esutjss-163	156	1	because	because	SCONJ
esutjss-163	156	2	of	of	ADP
esutjss-163	156	3	their	their	PRON
esutjss-163	156	4	relevance	relevance	NOUN
esutjss-163	156	5	to	to	ADP
esutjss-163	156	6	the	the	DET
esutjss-163	156	7	study	study	NOUN
esutjss-163	156	8	's	's	PART
esutjss-163	156	9	aim	aim	NOUN
esutjss-163	156	10	,	,	PUNCT
esutjss-163	156	11	copies	copy	NOUN
esutjss-163	156	12	of	of	ADP
esutjss-163	156	13	the	the	DET
esutjss-163	156	14	questionnaire	questionnaire	NOUN
esutjss-163	156	15	were	be	AUX
esutjss-163	156	16	provided	provide	VERB
esutjss-163	156	17	to	to	ADP
esutjss-163	156	18	personnel	personnel	NOUN
esutjss-163	156	19	working	work	VERB
esutjss-163	156	20	in	in	ADP
esutjss-163	156	21	the	the	DET
esutjss-163	156	22	information	information	NOUN
esutjss-163	156	23	and	and	CCONJ
esutjss-163	156	24	communication	communication	NOUN
esutjss-163	156	25	technology	technology	NOUN
esutjss-163	156	26	(	(	PUNCT
esutjss-163	156	27	ict	ict	PROPN
esutjss-163	156	28	)	)	PUNCT
esutjss-163	156	29	sections	section	NOUN
esutjss-163	156	30	of	of	ADP
esutjss-163	156	31	all	all	DET
esutjss-163	156	32	58	58	NUM
esutjss-163	156	33	insurance	insurance	NOUN
esutjss-163	156	34	firms	firm	NOUN
esutjss-163	156	35	in	in	ADP
esutjss-163	156	36	nigeria	nigeria	PROPN
esutjss-163	156	37	for	for	ADP
esutjss-163	156	38	the	the	DET
esutjss-163	156	39	purpose	purpose	NOUN
esutjss-163	156	40	of	of	ADP
esutjss-163	156	41	this	this	DET
esutjss-163	156	42	study	study	NOUN
esutjss-163	156	43	.	.	PUNCT
esutjss-163	157	1	the	the	DET
esutjss-163	157	2	copies	copy	NOUN
esutjss-163	157	3	of	of	ADP
esutjss-163	157	4	the	the	DET
esutjss-163	157	5	questionnaire	questionnaire	NOUN
esutjss-163	157	6	were	be	AUX
esutjss-163	157	7	distributed	distribute	VERB
esutjss-163	157	8	by	by	ADP
esutjss-163	157	9	members	member	NOUN
esutjss-163	157	10	of	of	ADP
esutjss-163	157	11	the	the	DET
esutjss-163	157	12	ict	ict	PROPN
esutjss-163	157	13	and	and	CCONJ
esutjss-163	157	14	cyber	cyber	NOUN
esutjss-163	157	15	security	security	NOUN
esutjss-163	157	16	committee	committee	NOUN
esutjss-163	157	17	,	,	PUNCT
esutjss-163	157	18	who	who	PRON
esutjss-163	157	19	represented	represent	VERB
esutjss-163	157	20	each	each	DET
esutjss-163	157	21	firm	firm	NOUN
esutjss-163	157	22	at	at	ADP
esutjss-163	157	23	the	the	DET
esutjss-163	157	24	nigeria	nigeria	PROPN
esutjss-163	157	25	insurers	insurers	PROPN
esutjss-163	157	26	association	association	PROPN
esutjss-163	157	27	(	(	PUNCT
esutjss-163	157	28	nia	nia	PROPN
esutjss-163	157	29	)	)	PUNCT
esutjss-163	157	30	,	,	PUNCT
esutjss-163	157	31	which	which	PRON
esutjss-163	157	32	is	be	AUX
esutjss-163	157	33	the	the	DET
esutjss-163	157	34	umbrella	umbrella	NOUN
esutjss-163	157	35	organization	organization	NOUN
esutjss-163	157	36	for	for	ADP
esutjss-163	157	37	all	all	DET
esutjss-163	157	38	insurance	insurance	NOUN
esutjss-163	157	39	companies	company	NOUN
esutjss-163	157	40	licensed	license	VERB
esutjss-163	157	41	and	and	CCONJ
esutjss-163	157	42	operating	operate	VERB
esutjss-163	157	43	in	in	ADP
esutjss-163	157	44	nigeria	nigeria	PROPN
esutjss-163	157	45	.	.	PUNCT
esutjss-163	158	1	the	the	DET
esutjss-163	158	2	study	study	NOUN
esutjss-163	158	3	's	's	PART
esutjss-163	158	4	sample	sample	NOUN
esutjss-163	158	5	size	size	NOUN
esutjss-163	158	6	was	be	AUX
esutjss-163	158	7	350	350	NUM
esutjss-163	158	8	personnel	personnel	NOUN
esutjss-163	158	9	from	from	ADP
esutjss-163	158	10	the	the	DET
esutjss-163	158	11	ict	ict	PROPN
esutjss-163	158	12	and	and	CCONJ
esutjss-163	158	13	cyber	cyber	NOUN
esutjss-163	158	14	security	security	NOUN
esutjss-163	158	15	units	unit	NOUN
esutjss-163	158	16	of	of	ADP
esutjss-163	158	17	all	all	DET
esutjss-163	158	18	completely	completely	ADV
esutjss-163	158	19	digitalized	digitalize	VERB
esutjss-163	158	20	insurance	insurance	NOUN
esutjss-163	158	21	offices	office	NOUN
esutjss-163	158	22	in	in	ADP
esutjss-163	158	23	nigeria	nigeria	PROPN
esutjss-163	158	24	.	.	PUNCT
esutjss-163	159	1	copies	copy	NOUN
esutjss-163	159	2	of	of	ADP
esutjss-163	159	3	the	the	DET
esutjss-163	159	4	questionnaire	questionnaire	NOUN
esutjss-163	159	5	will	will	AUX
esutjss-163	159	6	be	be	AUX
esutjss-163	159	7	distributed	distribute	VERB
esutjss-163	159	8	by	by	ADP
esutjss-163	159	9	members	member	NOUN
esutjss-163	159	10	representing	represent	VERB
esutjss-163	159	11	each	each	DET
esutjss-163	159	12	company	company	NOUN
esutjss-163	159	13	on	on	ADP
esutjss-163	159	14	the	the	DET
esutjss-163	159	15	nia	nia	PROPN
esutjss-163	159	16	's	's	PART
esutjss-163	159	17	ict	ict	PROPN
esutjss-163	159	18	and	and	CCONJ
esutjss-163	159	19	cyber	cyber	NOUN
esutjss-163	159	20	security	security	NOUN
esutjss-163	159	21	committee	committee	NOUN
esutjss-163	159	22	,	,	PUNCT
esutjss-163	159	23	which	which	PRON
esutjss-163	159	24	serves	serve	VERB
esutjss-163	159	25	as	as	ADP
esutjss-163	159	26	the	the	DET
esutjss-163	159	27	umbrella	umbrella	NOUN
esutjss-163	159	28	body	body	NOUN
esutjss-163	159	29	.	.	PUNCT
esutjss-163	160	1	the	the	DET
esutjss-163	160	2	research	research	NOUN
esutjss-163	160	3	questionnaire	questionnaire	NOUN
esutjss-163	160	4	was	be	AUX
esutjss-163	160	5	chosen	choose	VERB
esutjss-163	160	6	as	as	ADP
esutjss-163	160	7	the	the	DET
esutjss-163	160	8	primary	primary	ADJ
esutjss-163	160	9	instrument	instrument	NOUN
esutjss-163	160	10	by	by	ADP
esutjss-163	160	11	the	the	DET
esutjss-163	160	12	researcher	researcher	NOUN
esutjss-163	160	13	.	.	PUNCT
esutjss-163	161	1	the	the	DET
esutjss-163	161	2	questionnaire	questionnaire	NOUN
esutjss-163	161	3	is	be	AUX
esutjss-163	161	4	divided	divide	VERB
esutjss-163	161	5	into	into	ADP
esutjss-163	161	6	four	four	NUM
esutjss-163	161	7	(	(	PUNCT
esutjss-163	161	8	4	4	NUM
esutjss-163	161	9	)	)	PUNCT
esutjss-163	161	10	sections	section	NOUN
esutjss-163	161	11	:	:	PUNCT
esutjss-163	161	12	the	the	DET
esutjss-163	161	13	questionnaire	questionnaire	NOUN
esutjss-163	161	14	was	be	AUX
esutjss-163	161	15	designed	design	VERB
esutjss-163	161	16	using	use	VERB
esutjss-163	161	17	the	the	DET
esutjss-163	161	18	5	5	NUM
esutjss-163	161	19	-	-	PUNCT
esutjss-163	161	20	point	point	NOUN
esutjss-163	161	21	likert	likert	ADJ
esutjss-163	161	22	scale	scale	NOUN
esutjss-163	161	23	(	(	PUNCT
esutjss-163	161	24	strongly	strongly	ADV
esutjss-163	161	25	agree	agree	ADJ
esutjss-163	161	26	,	,	PUNCT
esutjss-163	161	27	agree	agree	VERB
esutjss-163	161	28	,	,	PUNCT
esutjss-163	161	29	undecided	undecided	ADJ
esutjss-163	161	30	,	,	PUNCT
esutjss-163	161	31	disagree	disagree	VERB
esutjss-163	161	32	,	,	PUNCT
esutjss-163	161	33	strongly	strongly	ADV
esutjss-163	161	34	disagree	disagree	VERB
esutjss-163	161	35	)	)	PUNCT
esutjss-163	161	36	.	.	PUNCT
esutjss-163	162	1	the	the	DET
esutjss-163	162	2	questionnaire	questionnaire	NOUN
esutjss-163	162	3	was	be	AUX
esutjss-163	162	4	divided	divide	VERB
esutjss-163	162	5	into	into	ADP
esutjss-163	162	6	four	four	NUM
esutjss-163	162	7	sections	section	NOUN
esutjss-163	162	8	:	:	PUNCT
esutjss-163	162	9	section	section	NOUN
esutjss-163	162	10	a	a	PRON
esutjss-163	162	11	was	be	AUX
esutjss-163	162	12	used	use	VERB
esutjss-163	162	13	to	to	PART
esutjss-163	162	14	collect	collect	VERB
esutjss-163	162	15	demographic	demographic	ADJ
esutjss-163	162	16	information	information	NOUN
esutjss-163	162	17	from	from	ADP
esutjss-163	162	18	respondents	respondent	NOUN
esutjss-163	162	19	,	,	PUNCT
esutjss-163	162	20	while	while	SCONJ
esutjss-163	162	21	section	section	NOUN
esutjss-163	162	22	b	b	PROPN
esutjss-163	162	23	included	include	VERB
esutjss-163	162	24	six	six	NUM
esutjss-163	162	25	questions	question	NOUN
esutjss-163	162	26	evaluating	evaluate	VERB
esutjss-163	162	27	next	next	ADJ
esutjss-163	162	28	generation	generation	NOUN
esutjss-163	162	29	technology	technology	NOUN
esutjss-163	162	30	and	and	CCONJ
esutjss-163	162	31	digital	digital	ADJ
esutjss-163	162	32	accounting	accounting	NOUN
esutjss-163	162	33	.	.	PUNCT
esutjss-163	163	1	to	to	PART
esutjss-163	163	2	determine	determine	VERB
esutjss-163	163	3	the	the	DET
esutjss-163	163	4	extent	extent	NOUN
esutjss-163	163	5	to	to	PART
esutjss-163	163	6	which	which	PRON
esutjss-163	163	7	the	the	DET
esutjss-163	163	8	survey	survey	NOUN
esutjss-163	163	9	instruments	instrument	NOUN
esutjss-163	163	10	met	meet	VERB
esutjss-163	163	11	their	their	PRON
esutjss-163	163	12	objectives	objective	NOUN
esutjss-163	163	13	,	,	PUNCT
esutjss-163	163	14	the	the	DET
esutjss-163	163	15	content	content	NOUN
esutjss-163	163	16	validity	validity	NOUN
esutjss-163	163	17	technique	technique	NOUN
esutjss-163	163	18	of	of	ADP
esutjss-163	163	19	cross	cross	NOUN
esutjss-163	163	20	-	-	NOUN
esutjss-163	163	21	examination	examination	NOUN
esutjss-163	163	22	and	and	CCONJ
esutjss-163	163	23	sustainability	sustainability	NOUN
esutjss-163	163	24	of	of	ADP
esutjss-163	163	25	insurance	insurance	NOUN
esutjss-163	163	26	business	business	NOUN
esutjss-163	163	27	sustainability	sustainability	NOUN
esutjss-163	163	28	of	of	ADP
esutjss-163	163	29	insurance	insurance	NOUN
esutjss-163	163	30	business	business	NOUN
esutjss-163	163	31	digital	digital	ADJ
esutjss-163	163	32	transformation	transformation	NOUN
esutjss-163	163	33	new	new	ADJ
esutjss-163	163	34	generation	generation	NOUN
esutjss-163	163	35	technology	technology	NOUN
esutjss-163	163	36	platform	platform	NOUN
esutjss-163	163	37	digital	digital	ADJ
esutjss-163	163	38	accounting	accounting	NOUN
esutjss-163	163	39	tools	tool	NOUN
esutjss-163	163	40	digital	digital	ADJ
esutjss-163	163	41	transformation	transformation	NOUN
esutjss-163	163	42	strategy	strategy	NOUN
esutjss-163	163	43	114	114	NUM
esutjss-163	163	44	verification	verification	NOUN
esutjss-163	163	45	was	be	AUX
esutjss-163	163	46	used	use	VERB
esutjss-163	163	47	.	.	PUNCT
esutjss-163	164	1	each	each	DET
esutjss-163	164	2	section	section	NOUN
esutjss-163	164	3	of	of	ADP
esutjss-163	164	4	the	the	DET
esutjss-163	164	5	questionnaire	questionnaire	NOUN
esutjss-163	164	6	was	be	AUX
esutjss-163	164	7	examined	examine	VERB
esutjss-163	164	8	for	for	ADP
esutjss-163	164	9	ambiguity	ambiguity	NOUN
esutjss-163	164	10	and	and	CCONJ
esutjss-163	164	11	relevance	relevance	NOUN
esutjss-163	164	12	before	before	ADP
esutjss-163	164	13	calculating	calculate	VERB
esutjss-163	164	14	a	a	DET
esutjss-163	164	15	reliability	reliability	NOUN
esutjss-163	164	16	coefficient	coefficient	NOUN
esutjss-163	164	17	.	.	PUNCT
esutjss-163	165	1	table	table	NOUN
esutjss-163	165	2	1	1	NUM
esutjss-163	165	3	:	:	PUNCT
esutjss-163	165	4	reliabilty	reliabilty	NOUN
esutjss-163	165	5	test	test	NOUN
esutjss-163	165	6	table	table	NOUN
esutjss-163	165	7	for	for	ADP
esutjss-163	165	8	variables	variable	NOUN
esutjss-163	165	9	variables	variable	NOUN
esutjss-163	165	10	cronbach	cronbach	VERB
esutjss-163	165	11	’s	’s	PART
esutjss-163	165	12	alpha	alpha	NOUN
esutjss-163	165	13	(	(	PUNCT
esutjss-163	165	14	a	a	X
esutjss-163	165	15	)	)	PUNCT
esutjss-163	165	16	number	number	NOUN
esutjss-163	165	17	of	of	ADP
esutjss-163	165	18	items	item	NOUN
esutjss-163	165	19	remark	remark	VERB
esutjss-163	165	20	average	average	ADJ
esutjss-163	165	21	new	new	ADJ
esutjss-163	165	22	generation	generation	NOUN
esutjss-163	165	23	technology	technology	NOUN
esutjss-163	165	24	platform	platform	NOUN
esutjss-163	165	25	0.711	0.711	NUM
esutjss-163	165	26	6	6	NUM
esutjss-163	165	27	high	high	ADJ
esutjss-163	165	28	reliability	reliability	NOUN
esutjss-163	165	29	average	average	ADJ
esutjss-163	165	30	digital	digital	ADJ
esutjss-163	165	31	accounting	accounting	NOUN
esutjss-163	165	32	tools	tool	NOUN
esutjss-163	165	33	0.756	0.756	NUM
esutjss-163	165	34	6	6	NUM
esutjss-163	165	35	high	high	ADJ
esutjss-163	165	36	reliability	reliability	NOUN
esutjss-163	165	37	average	average	ADJ
esutjss-163	165	38	sustainability	sustainability	NOUN
esutjss-163	165	39	of	of	ADP
esutjss-163	165	40	insurance	insurance	NOUN
esutjss-163	165	41	0.810	0.810	NUM
esutjss-163	165	42	6	6	NUM
esutjss-163	165	43	high	high	ADJ
esutjss-163	165	44	reliability	reliability	NOUN
esutjss-163	165	45	source	source	NOUN
esutjss-163	165	46	:	:	PUNCT
esutjss-163	165	47	author	author	NOUN
esutjss-163	165	48	’s	’s	PART
esutjss-163	165	49	computation	computation	NOUN
esutjss-163	165	50	,	,	PUNCT
esutjss-163	165	51	2022	2022	NUM
esutjss-163	165	52	.	.	PUNCT
esutjss-163	166	1	to	to	PART
esutjss-163	166	2	examine	examine	VERB
esutjss-163	166	3	demographic	demographic	ADJ
esutjss-163	166	4	parameters	parameter	NOUN
esutjss-163	166	5	such	such	ADJ
esutjss-163	166	6	as	as	ADP
esutjss-163	166	7	age	age	NOUN
esutjss-163	166	8	,	,	PUNCT
esutjss-163	166	9	gender	gender	NOUN
esutjss-163	166	10	,	,	PUNCT
esutjss-163	166	11	educational	educational	ADJ
esutjss-163	166	12	attainment	attainment	NOUN
esutjss-163	166	13	,	,	PUNCT
esutjss-163	166	14	length	length	NOUN
esutjss-163	166	15	of	of	ADP
esutjss-163	166	16	work	work	NOUN
esutjss-163	166	17	,	,	PUNCT
esutjss-163	166	18	and	and	CCONJ
esutjss-163	166	19	the	the	DET
esutjss-163	166	20	research	research	NOUN
esutjss-163	166	21	goals	goal	NOUN
esutjss-163	166	22	,	,	PUNCT
esutjss-163	166	23	simple	simple	ADJ
esutjss-163	166	24	percentage	percentage	NOUN
esutjss-163	166	25	distributions	distribution	NOUN
esutjss-163	166	26	and	and	CCONJ
esutjss-163	166	27	frequency	frequency	NOUN
esutjss-163	166	28	counts	count	NOUN
esutjss-163	166	29	was	be	AUX
esutjss-163	166	30	used	use	VERB
esutjss-163	166	31	.	.	PUNCT
esutjss-163	167	1	in	in	ADP
esutjss-163	167	2	contrast	contrast	NOUN
esutjss-163	167	3	,	,	PUNCT
esutjss-163	167	4	the	the	DET
esutjss-163	167	5	study	study	NOUN
esutjss-163	167	6	hypothesis	hypothesis	NOUN
esutjss-163	167	7	was	be	AUX
esutjss-163	167	8	evaluated	evaluate	VERB
esutjss-163	167	9	using	use	VERB
esutjss-163	167	10	the	the	DET
esutjss-163	167	11	regression	regression	NOUN
esutjss-163	167	12	analysis	analysis	NOUN
esutjss-163	167	13	.	.	PUNCT
esutjss-163	168	1	results	result	NOUN
esutjss-163	168	2	and	and	CCONJ
esutjss-163	168	3	discussion	discussion	VERB
esutjss-163	168	4	the	the	DET
esutjss-163	168	5	table	table	NOUN
esutjss-163	168	6	below	below	ADV
esutjss-163	168	7	were	be	AUX
esutjss-163	168	8	used	use	VERB
esutjss-163	168	9	to	to	PART
esutjss-163	168	10	present	present	VERB
esutjss-163	168	11	the	the	DET
esutjss-163	168	12	results	result	NOUN
esutjss-163	168	13	drawn	draw	VERB
esutjss-163	168	14	from	from	ADP
esutjss-163	168	15	each	each	PRON
esutjss-163	168	16	of	of	ADP
esutjss-163	168	17	the	the	DET
esutjss-163	168	18	questions	question	NOUN
esutjss-163	168	19	administered	administer	VERB
esutjss-163	168	20	.	.	PUNCT
esutjss-163	169	1	table	table	NOUN
esutjss-163	169	2	2	2	NUM
esutjss-163	169	3	:	:	PUNCT
esutjss-163	169	4	response	response	NOUN
esutjss-163	169	5	rate	rate	NOUN
esutjss-163	169	6	response	response	NOUN
esutjss-163	169	7	rate	rate	NOUN
esutjss-163	169	8	frequency	frequency	NOUN
esutjss-163	169	9	percentage	percentage	NOUN
esutjss-163	169	10	returned	return	VERB
esutjss-163	169	11	333	333	NUM
esutjss-163	169	12	95.1	95.1	NUM
esutjss-163	169	13	%	%	NOUN
esutjss-163	169	14	unreturned	unreturned	ADJ
esutjss-163	169	15	17	17	NUM
esutjss-163	169	16	4.9	4.9	NUM
esutjss-163	169	17	%	%	NOUN
esutjss-163	169	18	total	total	NOUN
esutjss-163	169	19	350	350	NUM
esutjss-163	169	20	100	100	NUM
esutjss-163	169	21	%	%	NOUN
esutjss-163	169	22	source	source	NOUN
esutjss-163	169	23	:	:	PUNCT
esutjss-163	169	24	author	author	NOUN
esutjss-163	169	25	’s	’s	PART
esutjss-163	169	26	computation	computation	NOUN
esutjss-163	169	27	,	,	PUNCT
esutjss-163	169	28	2022	2022	NUM
esutjss-163	169	29	a	a	DET
esutjss-163	169	30	total	total	NOUN
esutjss-163	169	31	of	of	ADP
esutjss-163	169	32	350	350	NUM
esutjss-163	169	33	copies	copy	NOUN
esutjss-163	169	34	of	of	ADP
esutjss-163	169	35	the	the	DET
esutjss-163	169	36	questionnaire	questionnaire	NOUN
esutjss-163	169	37	were	be	AUX
esutjss-163	169	38	distributed	distribute	VERB
esutjss-163	169	39	to	to	ADP
esutjss-163	169	40	each	each	PRON
esutjss-163	169	41	of	of	ADP
esutjss-163	169	42	the	the	DET
esutjss-163	169	43	insurance	insurance	NOUN
esutjss-163	169	44	companies	company	NOUN
esutjss-163	169	45	'	'	PART
esutjss-163	169	46	respondents	respondent	NOUN
esutjss-163	169	47	,	,	PUNCT
esutjss-163	169	48	but	but	CCONJ
esutjss-163	169	49	coincidentally	coincidentally	ADV
esutjss-163	169	50	,	,	PUNCT
esutjss-163	169	51	333	333	NUM
esutjss-163	169	52	copies	copy	NOUN
esutjss-163	169	53	were	be	AUX
esutjss-163	169	54	returned	return	VERB
esutjss-163	169	55	by	by	ADP
esutjss-163	169	56	the	the	DET
esutjss-163	169	57	respondents	respondent	NOUN
esutjss-163	169	58	and	and	CCONJ
esutjss-163	169	59	used	use	VERB
esutjss-163	169	60	for	for	ADP
esutjss-163	169	61	computation	computation	NOUN
esutjss-163	169	62	,	,	PUNCT
esutjss-163	169	63	while	while	SCONJ
esutjss-163	169	64	17	17	NUM
esutjss-163	169	65	of	of	ADP
esutjss-163	169	66	the	the	DET
esutjss-163	169	67	remaining	remain	VERB
esutjss-163	169	68	questionnaires	questionnaire	NOUN
esutjss-163	169	69	were	be	AUX
esutjss-163	169	70	either	either	PRON
esutjss-163	169	71	not	not	PART
esutjss-163	169	72	returned	return	VERB
esutjss-163	169	73	,	,	PUNCT
esutjss-163	169	74	or	or	CCONJ
esutjss-163	169	75	were	be	AUX
esutjss-163	169	76	incomplete	incomplete	ADJ
esutjss-163	169	77	and	and	CCONJ
esutjss-163	169	78	not	not	PART
esutjss-163	169	79	suitable	suitable	ADJ
esutjss-163	169	80	for	for	ADP
esutjss-163	169	81	analysis	analysis	NOUN
esutjss-163	169	82	.	.	PUNCT
esutjss-163	170	1	this	this	PRON
esutjss-163	170	2	equated	equate	VERB
esutjss-163	170	3	to	to	ADP
esutjss-163	170	4	an	an	DET
esutjss-163	170	5	overall	overall	ADJ
esutjss-163	170	6	response	response	NOUN
esutjss-163	170	7	rate	rate	NOUN
esutjss-163	170	8	of	of	ADP
esutjss-163	170	9	95.1	95.1	NUM
esutjss-163	170	10	%	%	NOUN
esutjss-163	170	11	.	.	PUNCT
esutjss-163	171	1	according	accord	VERB
esutjss-163	171	2	to	to	ADP
esutjss-163	171	3	babbie	babbie	PROPN
esutjss-163	171	4	(	(	PUNCT
esutjss-163	171	5	2004	2004	NUM
esutjss-163	171	6	)	)	PUNCT
esutjss-163	171	7	,	,	PUNCT
esutjss-163	171	8	return	return	VERB
esutjss-163	171	9	rates	rate	NOUN
esutjss-163	171	10	of	of	ADP
esutjss-163	171	11	50	50	NUM
esutjss-163	171	12	%	%	NOUN
esutjss-163	171	13	are	be	AUX
esutjss-163	171	14	acceptable	acceptable	ADJ
esutjss-163	171	15	for	for	ADP
esutjss-163	171	16	analysis	analysis	NOUN
esutjss-163	171	17	and	and	CCONJ
esutjss-163	171	18	publication	publication	NOUN
esutjss-163	171	19	,	,	PUNCT
esutjss-163	171	20	60	60	NUM
esutjss-163	171	21	%	%	NOUN
esutjss-163	171	22	is	be	AUX
esutjss-163	171	23	good	good	ADJ
esutjss-163	171	24	,	,	PUNCT
esutjss-163	171	25	and	and	CCONJ
esutjss-163	171	26	70	70	NUM
esutjss-163	171	27	%	%	NOUN
esutjss-163	171	28	or	or	CCONJ
esutjss-163	171	29	more	more	ADJ
esutjss-163	171	30	is	be	AUX
esutjss-163	171	31	excellent	excellent	ADJ
esutjss-163	171	32	.	.	PUNCT
esutjss-163	172	1	115	115	NUM
esutjss-163	172	2	table	table	NOUN
esutjss-163	172	3	3	3	NUM
esutjss-163	172	4	:	:	PUNCT
esutjss-163	172	5	frequency	frequency	NOUN
esutjss-163	172	6	distribution	distribution	NOUN
esutjss-163	172	7	of	of	ADP
esutjss-163	172	8	the	the	DET
esutjss-163	172	9	respondents	respondent	NOUN
esutjss-163	172	10	’	’	PART
esutjss-163	172	11	demographic	demographic	ADJ
esutjss-163	172	12	characteristics	characteristic	NOUN
esutjss-163	172	13	(	(	PUNCT
esutjss-163	172	14	n=333	n=333	ADV
esutjss-163	172	15	)	)	PUNCT
esutjss-163	172	16	variables	variable	NOUN
esutjss-163	172	17	category	category	NOUN
esutjss-163	172	18	frequency	frequency	NOUN
esutjss-163	172	19	percentage	percentage	NOUN
esutjss-163	172	20	cummulative	cummulative	NOUN
esutjss-163	172	21	%	%	NOUN
esutjss-163	172	22	gender	gender	NOUN
esutjss-163	172	23	male	male	NOUN
esutjss-163	172	24	228	228	NUM
esutjss-163	172	25	68.5	68.5	NUM
esutjss-163	172	26	68.5	68.5	NUM
esutjss-163	172	27	female	female	ADJ
esutjss-163	172	28	105	105	NUM
esutjss-163	172	29	31.5	31.5	NUM
esutjss-163	172	30	100	100	NUM
esutjss-163	172	31	age	age	NOUN
esutjss-163	172	32	below	below	ADP
esutjss-163	172	33	20	20	NUM
esutjss-163	172	34	16	16	NUM
esutjss-163	172	35	5	5	NUM
esutjss-163	172	36	5	5	NUM
esutjss-163	172	37	21	21	NUM
esutjss-163	172	38	-	-	SYM
esutjss-163	172	39	30	30	NUM
esutjss-163	172	40	80	80	NUM
esutjss-163	172	41	24	24	NUM
esutjss-163	172	42	29	29	NUM
esutjss-163	172	43	31	31	NUM
esutjss-163	172	44	-	-	SYM
esutjss-163	172	45	40	40	NUM
esutjss-163	172	46	164	164	NUM
esutjss-163	172	47	49	49	NUM
esutjss-163	172	48	78	78	NUM
esutjss-163	172	49	41	41	NUM
esutjss-163	172	50	-	-	SYM
esutjss-163	172	51	50	50	NUM
esutjss-163	172	52	60	60	NUM
esutjss-163	172	53	18	18	NUM
esutjss-163	172	54	96	96	NUM
esutjss-163	172	55	50	50	NUM
esutjss-163	172	56	and	and	CCONJ
esutjss-163	172	57	above	above	ADP
esutjss-163	172	58	13	13	NUM
esutjss-163	172	59	4	4	NUM
esutjss-163	172	60	100	100	NUM
esutjss-163	172	61	marital	marital	ADJ
esutjss-163	172	62	status	status	NOUN
esutjss-163	172	63	single	single	ADJ
esutjss-163	172	64	70	70	NUM
esutjss-163	172	65	21	21	NUM
esutjss-163	172	66	21	21	NUM
esutjss-163	172	67	married	marry	VERB
esutjss-163	172	68	216	216	NUM
esutjss-163	172	69	65	65	NUM
esutjss-163	172	70	86	86	NUM
esutjss-163	172	71	divorced	divorce	VERB
esutjss-163	172	72	12	12	NUM
esutjss-163	172	73	4	4	NUM
esutjss-163	172	74	90	90	NUM
esutjss-163	172	75	widowed	widow	VERB
esutjss-163	172	76	25	25	NUM
esutjss-163	172	77	7	7	NUM
esutjss-163	172	78	97	97	NUM
esutjss-163	172	79	separated	separate	VERB
esutjss-163	172	80	10	10	NUM
esutjss-163	172	81	3	3	NUM
esutjss-163	172	82	100	100	NUM
esutjss-163	172	83	education	education	NOUN
esutjss-163	172	84	nce	nce	NOUN
esutjss-163	172	85	/	/	SYM
esutjss-163	172	86	nd	nd	NOUN
esutjss-163	172	87	32	32	NUM
esutjss-163	172	88	10	10	NUM
esutjss-163	172	89	10	10	NUM
esutjss-163	172	90	hnd	hnd	VERB
esutjss-163	172	91	/	/	SYM
esutjss-163	172	92	bsc	bsc	PROPN
esutjss-163	172	93	198	198	NUM
esutjss-163	172	94	59	59	NUM
esutjss-163	172	95	69	69	NUM
esutjss-163	172	96	mba	mba	PROPN
esutjss-163	172	97	/	/	SYM
esutjss-163	172	98	msc	msc	PROPN
esutjss-163	172	99	100	100	NUM
esutjss-163	172	100	30	30	NUM
esutjss-163	172	101	99	99	NUM
esutjss-163	172	102	phd	phd	NOUN
esutjss-163	172	103	3	3	NUM
esutjss-163	172	104	1	1	NUM
esutjss-163	172	105	100	100	NUM
esutjss-163	172	106	work	work	NOUN
esutjss-163	172	107	experience	experience	NOUN
esutjss-163	172	108	1	1	NUM
esutjss-163	172	109	-	-	SYM
esutjss-163	172	110	5years	5years	NUM
esutjss-163	172	111	55	55	NUM
esutjss-163	172	112	17	17	NUM
esutjss-163	172	113	17	17	NUM
esutjss-163	172	114	5	5	NUM
esutjss-163	172	115	-	-	SYM
esutjss-163	172	116	10years	10years	NUM
esutjss-163	172	117	90	90	NUM
esutjss-163	172	118	27	27	NUM
esutjss-163	172	119	44	44	NUM
esutjss-163	172	120	10	10	NUM
esutjss-163	172	121	-	-	PUNCT
esutjss-163	172	122	15years	15years	NUM
esutjss-163	172	123	85	85	NUM
esutjss-163	172	124	26	26	NUM
esutjss-163	172	125	70	70	NUM
esutjss-163	172	126	15	15	NUM
esutjss-163	172	127	-	-	SYM
esutjss-163	172	128	20years	20years	NUM
esutjss-163	172	129	66	66	NUM
esutjss-163	172	130	19	19	NUM
esutjss-163	172	131	89	89	NUM
esutjss-163	172	132	above	above	ADP
esutjss-163	172	133	20years	20years	NUM
esutjss-163	172	134	37	37	NUM
esutjss-163	172	135	11	11	NUM
esutjss-163	172	136	100	100	NUM
esutjss-163	172	137	managerial	managerial	ADJ
esutjss-163	172	138	level	level	NOUN
esutjss-163	172	139	junior	junior	ADJ
esutjss-163	172	140	level	level	NOUN
esutjss-163	172	141	staff	staff	NOUN
esutjss-163	172	142	92	92	NUM
esutjss-163	172	143	28	28	NUM
esutjss-163	172	144	28	28	NUM
esutjss-163	172	145	middle	middle	ADJ
esutjss-163	172	146	level	level	NOUN
esutjss-163	172	147	staff	staff	NOUN
esutjss-163	172	148	184	184	NUM
esutjss-163	172	149	55	55	NUM
esutjss-163	172	150	83	83	NUM
esutjss-163	172	151	senior	senior	ADJ
esutjss-163	172	152	level	level	NOUN
esutjss-163	172	153	staff	staff	NOUN
esutjss-163	172	154	55	55	NUM
esutjss-163	172	155	17	17	NUM
esutjss-163	172	156	100	100	NUM
esutjss-163	172	157	source	source	NOUN
esutjss-163	172	158	:	:	PUNCT
esutjss-163	172	159	author	author	NOUN
esutjss-163	172	160	’s	’s	PART
esutjss-163	172	161	computation	computation	NOUN
esutjss-163	172	162	,	,	PUNCT
esutjss-163	172	163	2022	2022	NUM
esutjss-163	172	164	according	accord	VERB
esutjss-163	172	165	to	to	ADP
esutjss-163	172	166	the	the	DET
esutjss-163	172	167	results	result	NOUN
esutjss-163	172	168	shown	show	VERB
esutjss-163	172	169	in	in	ADP
esutjss-163	172	170	table	table	NOUN
esutjss-163	172	171	3	3	NUM
esutjss-163	172	172	,	,	PUNCT
esutjss-163	172	173	333	333	NUM
esutjss-163	172	174	people	people	NOUN
esutjss-163	172	175	from	from	ADP
esutjss-163	172	176	all	all	DET
esutjss-163	172	177	insurance	insurance	NOUN
esutjss-163	172	178	companies	company	NOUN
esutjss-163	172	179	responded	respond	VERB
esutjss-163	172	180	to	to	ADP
esutjss-163	172	181	the	the	DET
esutjss-163	172	182	questionnaire	questionnaire	NOUN
esutjss-163	172	183	.	.	PUNCT
esutjss-163	173	1	this	this	PRON
esutjss-163	173	2	represents	represent	VERB
esutjss-163	173	3	91.5	91.5	NUM
esutjss-163	173	4	%	%	NOUN
esutjss-163	173	5	of	of	ADP
esutjss-163	173	6	the	the	DET
esutjss-163	173	7	total	total	ADJ
esutjss-163	173	8	sample	sample	NOUN
esutjss-163	173	9	size	size	NOUN
esutjss-163	173	10	.	.	PUNCT
esutjss-163	174	1	going	go	VERB
esutjss-163	174	2	by	by	ADP
esutjss-163	174	3	this	this	DET
esutjss-163	174	4	response	response	NOUN
esutjss-163	174	5	rate	rate	NOUN
esutjss-163	174	6	,	,	PUNCT
esutjss-163	174	7	the	the	DET
esutjss-163	174	8	result	result	NOUN
esutjss-163	174	9	presented	present	VERB
esutjss-163	174	10	in	in	ADP
esutjss-163	174	11	table	table	NOUN
esutjss-163	174	12	2	2	NUM
esutjss-163	174	13	above	above	ADV
esutjss-163	174	14	shows	show	VERB
esutjss-163	174	15	that	that	SCONJ
esutjss-163	174	16	the	the	DET
esutjss-163	174	17	respondents	respondent	NOUN
esutjss-163	174	18	who	who	PRON
esutjss-163	174	19	responded	respond	VERB
esutjss-163	174	20	to	to	ADP
esutjss-163	174	21	the	the	DET
esutjss-163	174	22	questionnaire	questionnaire	NOUN
esutjss-163	174	23	were	be	AUX
esutjss-163	174	24	333	333	NUM
esutjss-163	174	25	in	in	ADP
esutjss-163	174	26	all	all	DET
esutjss-163	174	27	the	the	DET
esutjss-163	174	28	insurance	insurance	NOUN
esutjss-163	174	29	companies	company	NOUN
esutjss-163	174	30	.	.	PUNCT
esutjss-163	175	1	this	this	PRON
esutjss-163	175	2	represents	represent	VERB
esutjss-163	175	3	91.5	91.5	NUM
esutjss-163	175	4	%	%	NOUN
esutjss-163	175	5	of	of	ADP
esutjss-163	175	6	the	the	DET
esutjss-163	175	7	total	total	ADJ
esutjss-163	175	8	sample	sample	NOUN
esutjss-163	175	9	size	size	NOUN
esutjss-163	175	10	.	.	PUNCT
esutjss-163	176	1	going	go	VERB
esutjss-163	176	2	by	by	ADP
esutjss-163	176	3	this	this	DET
esutjss-163	176	4	response	response	NOUN
esutjss-163	176	5	rate	rate	NOUN
esutjss-163	176	6	,	,	PUNCT
esutjss-163	176	7	68.5	68.5	NUM
esutjss-163	176	8	%	%	NOUN
esutjss-163	176	9	of	of	ADP
esutjss-163	176	10	the	the	DET
esutjss-163	176	11	respondents	respondent	NOUN
esutjss-163	176	12	are	be	AUX
esutjss-163	176	13	male	male	ADJ
esutjss-163	176	14	,	,	PUNCT
esutjss-163	176	15	while	while	SCONJ
esutjss-163	176	16	31.5	31.5	NUM
esutjss-163	176	17	%	%	NOUN
esutjss-163	176	18	are	be	AUX
esutjss-163	176	19	female	female	ADJ
esutjss-163	176	20	.	.	PUNCT
esutjss-163	177	1	this	this	DET
esutjss-163	177	2	result	result	NOUN
esutjss-163	177	3	implies	imply	VERB
esutjss-163	177	4	that	that	SCONJ
esutjss-163	177	5	male	male	ADJ
esutjss-163	177	6	respondents	respondent	NOUN
esutjss-163	177	7	demonstrated	demonstrate	VERB
esutjss-163	177	8	a	a	DET
esutjss-163	177	9	more	more	ADV
esutjss-163	177	10	significant	significant	ADJ
esutjss-163	177	11	response	response	NOUN
esutjss-163	177	12	in	in	ADP
esutjss-163	177	13	both	both	DET
esutjss-163	177	14	assurance	assurance	NOUN
esutjss-163	177	15	companies	company	NOUN
esutjss-163	177	16	than	than	ADP
esutjss-163	177	17	their	their	PRON
esutjss-163	177	18	female	female	ADJ
esutjss-163	177	19	counterparts	counterpart	NOUN
esutjss-163	177	20	.	.	PUNCT
esutjss-163	178	1	going	go	VERB
esutjss-163	178	2	by	by	ADP
esutjss-163	178	3	the	the	DET
esutjss-163	178	4	age	age	NOUN
esutjss-163	178	5	group	group	NOUN
esutjss-163	178	6	of	of	ADP
esutjss-163	178	7	respondents	respondent	NOUN
esutjss-163	178	8	,	,	PUNCT
esutjss-163	178	9	as	as	SCONJ
esutjss-163	178	10	presented	present	VERB
esutjss-163	178	11	in	in	ADP
esutjss-163	178	12	the	the	DET
esutjss-163	178	13	above	above	ADJ
esutjss-163	178	14	table	table	NOUN
esutjss-163	178	15	,	,	PUNCT
esutjss-163	178	16	the	the	DET
esutjss-163	178	17	result	result	NOUN
esutjss-163	178	18	shows	show	VERB
esutjss-163	178	19	that	that	SCONJ
esutjss-163	178	20	5	5	NUM
esutjss-163	178	21	%	%	NOUN
esutjss-163	178	22	of	of	ADP
esutjss-163	178	23	the	the	DET
esutjss-163	178	24	116	116	NUM
esutjss-163	178	25	respondents	respondent	NOUN
esutjss-163	178	26	are	be	AUX
esutjss-163	178	27	below	below	ADP
esutjss-163	178	28	the	the	DET
esutjss-163	178	29	age	age	NOUN
esutjss-163	178	30	of	of	ADP
esutjss-163	178	31	20	20	NUM
esutjss-163	178	32	,	,	PUNCT
esutjss-163	178	33	while	while	SCONJ
esutjss-163	178	34	21–30	21–30	PROPN
esutjss-163	178	35	represent	represent	VERB
esutjss-163	178	36	24	24	NUM
esutjss-163	178	37	%	%	NOUN
esutjss-163	178	38	of	of	ADP
esutjss-163	178	39	the	the	DET
esutjss-163	178	40	respondents	respondent	NOUN
esutjss-163	178	41	,	,	PUNCT
esutjss-163	178	42	31–40	31–40	NUM
esutjss-163	178	43	represent	represent	VERB
esutjss-163	178	44	49	49	NUM
esutjss-163	178	45	%	%	NOUN
esutjss-163	178	46	,	,	PUNCT
esutjss-163	178	47	41–50	41–50	NOUN
esutjss-163	178	48	represent	represent	VERB
esutjss-163	178	49	18	18	NUM
esutjss-163	178	50	%	%	NOUN
esutjss-163	178	51	,	,	PUNCT
esutjss-163	178	52	and	and	CCONJ
esutjss-163	178	53	50	50	NUM
esutjss-163	178	54	years	year	NOUN
esutjss-163	178	55	and	and	CCONJ
esutjss-163	178	56	older	old	ADJ
esutjss-163	178	57	represent	represent	VERB
esutjss-163	178	58	4	4	NUM
esutjss-163	178	59	%	%	NOUN
esutjss-163	178	60	.	.	PUNCT
esutjss-163	179	1	by	by	ADP
esutjss-163	179	2	implication	implication	NOUN
esutjss-163	179	3	,	,	PUNCT
esutjss-163	179	4	it	it	PRON
esutjss-163	179	5	means	mean	VERB
esutjss-163	179	6	that	that	SCONJ
esutjss-163	179	7	the	the	DET
esutjss-163	179	8	majority	majority	NOUN
esutjss-163	179	9	of	of	ADP
esutjss-163	179	10	the	the	DET
esutjss-163	179	11	respondents	respondent	NOUN
esutjss-163	179	12	to	to	ADP
esutjss-163	179	13	this	this	DET
esutjss-163	179	14	study	study	NOUN
esutjss-163	179	15	are	be	AUX
esutjss-163	179	16	mature	mature	ADJ
esutjss-163	179	17	and	and	CCONJ
esutjss-163	179	18	vibrant	vibrant	ADJ
esutjss-163	179	19	.	.	PUNCT
esutjss-163	180	1	also	also	ADV
esutjss-163	180	2	,	,	PUNCT
esutjss-163	180	3	going	go	VERB
esutjss-163	180	4	by	by	ADP
esutjss-163	180	5	the	the	DET
esutjss-163	180	6	marital	marital	ADJ
esutjss-163	180	7	status	status	NOUN
esutjss-163	180	8	of	of	ADP
esutjss-163	180	9	the	the	DET
esutjss-163	180	10	respondents	respondent	NOUN
esutjss-163	180	11	,	,	PUNCT
esutjss-163	180	12	21	21	NUM
esutjss-163	180	13	%	%	NOUN
esutjss-163	180	14	of	of	ADP
esutjss-163	180	15	the	the	DET
esutjss-163	180	16	respondents	respondent	NOUN
esutjss-163	180	17	are	be	AUX
esutjss-163	180	18	single	single	ADJ
esutjss-163	180	19	,	,	PUNCT
esutjss-163	180	20	while	while	SCONJ
esutjss-163	180	21	65	65	NUM
esutjss-163	180	22	%	%	NOUN
esutjss-163	180	23	are	be	AUX
esutjss-163	180	24	married	married	ADJ
esutjss-163	180	25	.	.	PUNCT
esutjss-163	181	1	also	also	ADV
esutjss-163	181	2	,	,	PUNCT
esutjss-163	181	3	4	4	NUM
esutjss-163	181	4	%	%	NOUN
esutjss-163	181	5	of	of	ADP
esutjss-163	181	6	the	the	DET
esutjss-163	181	7	respondents	respondent	NOUN
esutjss-163	181	8	are	be	AUX
esutjss-163	181	9	divorced	divorce	VERB
esutjss-163	181	10	,	,	PUNCT
esutjss-163	181	11	while	while	SCONJ
esutjss-163	181	12	7	7	NUM
esutjss-163	181	13	%	%	NOUN
esutjss-163	181	14	are	be	AUX
esutjss-163	181	15	widowed	widow	VERB
esutjss-163	181	16	,	,	PUNCT
esutjss-163	181	17	and	and	CCONJ
esutjss-163	181	18	3	3	NUM
esutjss-163	181	19	%	%	NOUN
esutjss-163	181	20	are	be	AUX
esutjss-163	181	21	actually	actually	ADV
esutjss-163	181	22	separated	separate	VERB
esutjss-163	181	23	.	.	PUNCT
esutjss-163	182	1	by	by	ADP
esutjss-163	182	2	implication	implication	NOUN
esutjss-163	182	3	,	,	PUNCT
esutjss-163	182	4	it	it	PRON
esutjss-163	182	5	means	mean	VERB
esutjss-163	182	6	that	that	SCONJ
esutjss-163	182	7	the	the	DET
esutjss-163	182	8	majority	majority	NOUN
esutjss-163	182	9	of	of	ADP
esutjss-163	182	10	the	the	DET
esutjss-163	182	11	respondents	respondent	NOUN
esutjss-163	182	12	are	be	AUX
esutjss-163	182	13	married	married	ADJ
esutjss-163	182	14	.	.	PUNCT
esutjss-163	183	1	in	in	ADP
esutjss-163	183	2	terms	term	NOUN
esutjss-163	183	3	of	of	ADP
esutjss-163	183	4	education	education	NOUN
esutjss-163	183	5	,	,	PUNCT
esutjss-163	183	6	nce	nce	PROPN
esutjss-163	183	7	/	/	SYM
esutjss-163	183	8	nd	nd	NOUN
esutjss-163	183	9	holders	holder	NOUN
esutjss-163	183	10	account	account	VERB
esutjss-163	183	11	for	for	ADP
esutjss-163	183	12	10	10	NUM
esutjss-163	183	13	%	%	NOUN
esutjss-163	183	14	of	of	ADP
esutjss-163	183	15	respondents	respondent	NOUN
esutjss-163	183	16	,	,	PUNCT
esutjss-163	183	17	while	while	SCONJ
esutjss-163	183	18	59	59	NUM
esutjss-163	183	19	%	%	NOUN
esutjss-163	183	20	have	have	VERB
esutjss-163	183	21	hnd	hnd	VERB
esutjss-163	183	22	/	/	SYM
esutjss-163	183	23	bsc	bsc	PROPN
esutjss-163	183	24	qualifications	qualification	NOUN
esutjss-163	183	25	,	,	PUNCT
esutjss-163	183	26	30	30	NUM
esutjss-163	183	27	%	%	NOUN
esutjss-163	183	28	have	have	VERB
esutjss-163	183	29	mba	mba	NOUN
esutjss-163	183	30	/	/	SYM
esutjss-163	183	31	msc	msc	PROPN
esutjss-163	183	32	qualifications	qualification	NOUN
esutjss-163	183	33	,	,	PUNCT
esutjss-163	183	34	and	and	CCONJ
esutjss-163	183	35	1	1	NUM
esutjss-163	183	36	%	%	NOUN
esutjss-163	183	37	have	have	VERB
esutjss-163	183	38	phd	phd	NOUN
esutjss-163	183	39	qualifications	qualification	NOUN
esutjss-163	183	40	.	.	PUNCT
esutjss-163	184	1	by	by	ADP
esutjss-163	184	2	implication	implication	NOUN
esutjss-163	184	3	,	,	PUNCT
esutjss-163	184	4	it	it	PRON
esutjss-163	184	5	means	mean	VERB
esutjss-163	184	6	that	that	SCONJ
esutjss-163	184	7	the	the	DET
esutjss-163	184	8	majority	majority	NOUN
esutjss-163	184	9	of	of	ADP
esutjss-163	184	10	the	the	DET
esutjss-163	184	11	respondents	respondent	NOUN
esutjss-163	184	12	hold	hold	VERB
esutjss-163	184	13	an	an	DET
esutjss-163	184	14	hnd	hnd	NOUN
esutjss-163	184	15	or	or	CCONJ
esutjss-163	184	16	bsc	bsc	PROPN
esutjss-163	184	17	degree	degree	NOUN
esutjss-163	184	18	.	.	PUNCT
esutjss-163	185	1	for	for	ADP
esutjss-163	185	2	work	work	NOUN
esutjss-163	185	3	experience	experience	NOUN
esutjss-163	185	4	,	,	PUNCT
esutjss-163	185	5	17	17	NUM
esutjss-163	185	6	%	%	NOUN
esutjss-163	185	7	of	of	ADP
esutjss-163	185	8	the	the	DET
esutjss-163	185	9	respondents	respondent	NOUN
esutjss-163	185	10	have	have	AUX
esutjss-163	185	11	been	be	AUX
esutjss-163	185	12	working	work	VERB
esutjss-163	185	13	between	between	ADP
esutjss-163	185	14	1–5	1–5	NUM
esutjss-163	185	15	years	year	NOUN
esutjss-163	185	16	,	,	PUNCT
esutjss-163	185	17	while	while	SCONJ
esutjss-163	185	18	27	27	NUM
esutjss-163	185	19	%	%	NOUN
esutjss-163	185	20	,	,	PUNCT
esutjss-163	185	21	which	which	PRON
esutjss-163	185	22	represents	represent	VERB
esutjss-163	185	23	90	90	NUM
esutjss-163	185	24	%	%	NOUN
esutjss-163	185	25	of	of	ADP
esutjss-163	185	26	the	the	DET
esutjss-163	185	27	respondents	respondent	NOUN
esutjss-163	185	28	,	,	PUNCT
esutjss-163	185	29	have	have	AUX
esutjss-163	185	30	been	be	AUX
esutjss-163	185	31	working	work	VERB
esutjss-163	185	32	between	between	ADP
esutjss-163	185	33	5	5	NUM
esutjss-163	185	34	–	–	SYM
esutjss-163	185	35	10	10	NUM
esutjss-163	185	36	years	year	NOUN
esutjss-163	185	37	.	.	PUNCT
esutjss-163	186	1	also	also	ADV
esutjss-163	186	2	,	,	PUNCT
esutjss-163	186	3	26	26	NUM
esutjss-163	186	4	%	%	NOUN
esutjss-163	186	5	have	have	AUX
esutjss-163	186	6	been	be	AUX
esutjss-163	186	7	working	work	VERB
esutjss-163	186	8	between	between	ADP
esutjss-163	186	9	10	10	NUM
esutjss-163	186	10	and	and	CCONJ
esutjss-163	186	11	15	15	NUM
esutjss-163	186	12	years	year	NOUN
esutjss-163	186	13	,	,	PUNCT
esutjss-163	186	14	19	19	NUM
esutjss-163	186	15	%	%	NOUN
esutjss-163	186	16	have	have	AUX
esutjss-163	186	17	been	be	AUX
esutjss-163	186	18	working	work	VERB
esutjss-163	186	19	between	between	ADP
esutjss-163	186	20	15	15	NUM
esutjss-163	186	21	and	and	CCONJ
esutjss-163	186	22	20	20	NUM
esutjss-163	186	23	years	year	NOUN
esutjss-163	186	24	,	,	PUNCT
esutjss-163	186	25	and	and	CCONJ
esutjss-163	186	26	11	11	NUM
esutjss-163	186	27	%	%	NOUN
esutjss-163	186	28	have	have	VERB
esutjss-163	186	29	over	over	ADP
esutjss-163	186	30	20	20	NUM
esutjss-163	186	31	years	year	NOUN
esutjss-163	186	32	of	of	ADP
esutjss-163	186	33	experience	experience	NOUN
esutjss-163	186	34	.	.	PUNCT
esutjss-163	187	1	by	by	ADP
esutjss-163	187	2	implication	implication	NOUN
esutjss-163	187	3	,	,	PUNCT
esutjss-163	187	4	it	it	PRON
esutjss-163	187	5	means	mean	VERB
esutjss-163	187	6	that	that	SCONJ
esutjss-163	187	7	the	the	DET
esutjss-163	187	8	majority	majority	NOUN
esutjss-163	187	9	of	of	ADP
esutjss-163	187	10	the	the	DET
esutjss-163	187	11	respondents	respondent	NOUN
esutjss-163	187	12	have	have	AUX
esutjss-163	187	13	been	be	AUX
esutjss-163	187	14	working	work	VERB
esutjss-163	187	15	for	for	ADP
esutjss-163	187	16	between	between	ADP
esutjss-163	187	17	5	5	NUM
esutjss-163	187	18	and	and	CCONJ
esutjss-163	187	19	10	10	NUM
esutjss-163	187	20	years	year	NOUN
esutjss-163	187	21	and	and	CCONJ
esutjss-163	187	22	have	have	VERB
esutjss-163	187	23	enough	enough	ADJ
esutjss-163	187	24	experience	experience	NOUN
esutjss-163	187	25	to	to	PART
esutjss-163	187	26	answer	answer	VERB
esutjss-163	187	27	the	the	DET
esutjss-163	187	28	question	question	NOUN
esutjss-163	187	29	.	.	PUNCT
esutjss-163	188	1	lastly	lastly	ADV
esutjss-163	188	2	,	,	PUNCT
esutjss-163	188	3	for	for	ADP
esutjss-163	188	4	the	the	DET
esutjss-163	188	5	managerial	managerial	ADJ
esutjss-163	188	6	level	level	NOUN
esutjss-163	188	7	of	of	ADP
esutjss-163	188	8	the	the	DET
esutjss-163	188	9	respondents	respondent	NOUN
esutjss-163	188	10	,	,	PUNCT
esutjss-163	188	11	28	28	NUM
esutjss-163	188	12	%	%	NOUN
esutjss-163	188	13	are	be	AUX
esutjss-163	188	14	junior	junior	ADJ
esutjss-163	188	15	-	-	PUNCT
esutjss-163	188	16	level	level	NOUN
esutjss-163	188	17	staff	staff	NOUN
esutjss-163	188	18	,	,	PUNCT
esutjss-163	188	19	while	while	SCONJ
esutjss-163	188	20	55	55	NUM
esutjss-163	188	21	%	%	NOUN
esutjss-163	188	22	are	be	AUX
esutjss-163	188	23	middle	middle	ADJ
esutjss-163	188	24	-	-	PUNCT
esutjss-163	188	25	level	level	NOUN
esutjss-163	188	26	staff	staff	NOUN
esutjss-163	188	27	,	,	PUNCT
esutjss-163	188	28	and	and	CCONJ
esutjss-163	188	29	17	17	NUM
esutjss-163	188	30	%	%	NOUN
esutjss-163	188	31	are	be	AUX
esutjss-163	188	32	senior	senior	ADJ
esutjss-163	188	33	-	-	PUNCT
esutjss-163	188	34	level	level	NOUN
esutjss-163	188	35	staff	staff	NOUN
esutjss-163	188	36	.	.	PUNCT
esutjss-163	189	1	by	by	ADP
esutjss-163	189	2	implication	implication	NOUN
esutjss-163	189	3	,	,	PUNCT
esutjss-163	189	4	the	the	DET
esutjss-163	189	5	majority	majority	NOUN
esutjss-163	189	6	of	of	ADP
esutjss-163	189	7	the	the	DET
esutjss-163	189	8	respondents	respondent	NOUN
esutjss-163	189	9	are	be	AUX
esutjss-163	189	10	middle	middle	ADJ
esutjss-163	189	11	-	-	PUNCT
esutjss-163	189	12	level	level	NOUN
esutjss-163	189	13	staff	staff	NOUN
esutjss-163	189	14	.	.	PUNCT
esutjss-163	190	1	hypothesis	hypothesis	NOUN
esutjss-163	190	2	testing	test	VERB
esutjss-163	190	3	h01	h01	NOUN
esutjss-163	190	4	:	:	PUNCT
esutjss-163	190	5	new	new	ADJ
esutjss-163	190	6	generation	generation	NOUN
esutjss-163	190	7	technology	technology	NOUN
esutjss-163	190	8	platform	platform	NOUN
esutjss-163	190	9	as	as	ADP
esutjss-163	190	10	a	a	DET
esutjss-163	190	11	digital	digital	ADJ
esutjss-163	190	12	transformation	transformation	NOUN
esutjss-163	190	13	strategy	strategy	NOUN
esutjss-163	190	14	does	do	AUX
esutjss-163	190	15	not	not	PART
esutjss-163	190	16	have	have	VERB
esutjss-163	190	17	an	an	DET
esutjss-163	190	18	impact	impact	NOUN
esutjss-163	190	19	on	on	ADP
esutjss-163	190	20	the	the	DET
esutjss-163	190	21	sustainability	sustainability	NOUN
esutjss-163	190	22	of	of	ADP
esutjss-163	190	23	insurance	insurance	NOUN
esutjss-163	190	24	companies	company	NOUN
esutjss-163	190	25	in	in	ADP
esutjss-163	190	26	nigeria	nigeria	PROPN
esutjss-163	190	27	y	y	PROPN
esutjss-163	190	28	=	=	ADJ
esutjss-163	190	29	α0+β1x1+e	α0+β1x1+e	NOUN
esutjss-163	190	30	…	…	SYM
esutjss-163	190	31	…	…	PUNCT
esutjss-163	190	32	…	…	PUNCT
esutjss-163	190	33	…	…	PUNCT
esutjss-163	190	34	…	…	PUNCT
esutjss-163	190	35	…	…	PUNCT
esutjss-163	190	36	…	…	PUNCT
esutjss-163	190	37	…	…	SYM
esutjss-163	190	38	(1	(1	X
esutjss-163	190	39	)	)	PUNCT
esutjss-163	190	40	where	where	SCONJ
esutjss-163	190	41	:	:	PUNCT
esutjss-163	190	42	y	y	NOUN
esutjss-163	190	43	=	=	PUNCT
esutjss-163	190	44	new	new	ADJ
esutjss-163	190	45	generation	generation	NOUN
esutjss-163	190	46	technology	technology	NOUN
esutjss-163	190	47	platform	platform	NOUN
esutjss-163	190	48	(	(	PUNCT
esutjss-163	190	49	ngtp	ngtp	NOUN
esutjss-163	190	50	)	)	PUNCT
esutjss-163	190	51	α0	α0	ADJ
esutjss-163	190	52	=	=	SYM
esutjss-163	190	53	autonomous	autonomous	ADJ
esutjss-163	190	54	β1	β1	PROPN
esutjss-163	191	1	=	=	NOUN
esutjss-163	191	2	slope	slope	NOUN
esutjss-163	191	3	of	of	ADP
esutjss-163	191	4	a	a	DET
esutjss-163	191	5	line	line	NOUN
esutjss-163	192	1	x1	x1	NOUN
esutjss-163	193	1	=	=	PUNCT
esutjss-163	194	1	digital	digital	ADJ
esutjss-163	194	2	transformation	transformation	NOUN
esutjss-163	194	3	strategy	strategy	NOUN
esutjss-163	194	4	e	e	NOUN
esutjss-163	194	5	=	=	NOUN
esutjss-163	194	6	error	error	NOUN
esutjss-163	194	7	a	a	DET
esutjss-163	194	8	simple	simple	ADJ
esutjss-163	194	9	linear	linear	NOUN
esutjss-163	194	10	regression	regression	NOUN
esutjss-163	194	11	model	model	NOUN
esutjss-163	194	12	was	be	AUX
esutjss-163	194	13	used	use	VERB
esutjss-163	194	14	to	to	PART
esutjss-163	194	15	forecast	forecast	VERB
esutjss-163	194	16	the	the	DET
esutjss-163	194	17	sustainability	sustainability	NOUN
esutjss-163	194	18	of	of	ADP
esutjss-163	194	19	insurance	insurance	NOUN
esutjss-163	194	20	businesses	business	NOUN
esutjss-163	194	21	in	in	ADP
esutjss-163	194	22	nigeria	nigeria	PROPN
esutjss-163	194	23	(	(	PUNCT
esutjss-163	194	24	dependent	dependent	ADJ
esutjss-163	194	25	variable	variable	NOUN
esutjss-163	194	26	)	)	PUNCT
esutjss-163	194	27	using	use	VERB
esutjss-163	194	28	a	a	DET
esutjss-163	194	29	digital	digital	ADJ
esutjss-163	194	30	transformation	transformation	NOUN
esutjss-163	194	31	approach	approach	NOUN
esutjss-163	194	32	utilizing	utilize	VERB
esutjss-163	194	33	a	a	DET
esutjss-163	194	34	next	next	ADJ
esutjss-163	194	35	-	-	PUNCT
esutjss-163	194	36	generation	generation	NOUN
esutjss-163	194	37	technology	technology	NOUN
esutjss-163	194	38	platform	platform	NOUN
esutjss-163	194	39	(	(	PUNCT
esutjss-163	194	40	independent	independent	ADJ
esutjss-163	194	41	variable	variable	NOUN
esutjss-163	194	42	)	)	PUNCT
esutjss-163	194	43	.	.	PUNCT
esutjss-163	195	1	according	accord	VERB
esutjss-163	195	2	to	to	ADP
esutjss-163	195	3	the	the	DET
esutjss-163	195	4	first	first	ADJ
esutjss-163	195	5	table	table	NOUN
esutjss-163	195	6	(	(	PUNCT
esutjss-163	195	7	model	model	NOUN
esutjss-163	195	8	summary	summary	NOUN
esutjss-163	195	9	)	)	PUNCT
esutjss-163	195	10	,	,	PUNCT
esutjss-163	195	11	the	the	DET
esutjss-163	195	12	independent	independent	ADJ
esutjss-163	195	13	variable	variable	NOUN
esutjss-163	195	14	has	have	VERB
esutjss-163	195	15	a	a	DET
esutjss-163	195	16	coefficient	coefficient	NOUN
esutjss-163	195	17	of	of	ADP
esutjss-163	195	18	determination	determination	NOUN
esutjss-163	195	19	(	(	PUNCT
esutjss-163	195	20	r2	r2	PROPN
esutjss-163	195	21	)	)	PUNCT
esutjss-163	195	22	of	of	ADP
esutjss-163	195	23	0.481	0.481	NUM
esutjss-163	195	24	,	,	PUNCT
esutjss-163	195	25	accounting	account	VERB
esutjss-163	195	26	for	for	ADP
esutjss-163	195	27	48.1	48.1	NUM
esutjss-163	195	28	%	%	NOUN
esutjss-163	195	29	of	of	ADP
esutjss-163	195	30	the	the	DET
esutjss-163	195	31	variation	variation	NOUN
esutjss-163	195	32	in	in	ADP
esutjss-163	195	33	the	the	DET
esutjss-163	195	34	dependent	dependent	ADJ
esutjss-163	195	35	variable	variable	NOUN
esutjss-163	195	36	that	that	PRON
esutjss-163	195	37	is	be	AUX
esutjss-163	195	38	explained	explain	VERB
esutjss-163	195	39	by	by	ADP
esutjss-163	195	40	the	the	DET
esutjss-163	195	41	independent	independent	ADJ
esutjss-163	195	42	variable	variable	NOUN
esutjss-163	195	43	.	.	PUNCT
esutjss-163	196	1	model	model	NOUN
esutjss-163	196	2	summary	summary	NOUN
esutjss-163	196	3	model	model	NOUN
esutjss-163	196	4	r	r	PROPN
esutjss-163	196	5	r	r	NOUN
esutjss-163	196	6	square	square	ADJ
esutjss-163	196	7	adjusted	adjust	VERB
esutjss-163	196	8	r	r	NOUN
esutjss-163	196	9	square	square	ADJ
esutjss-163	196	10	std	std	NOUN
esutjss-163	196	11	.	.	PUNCT
esutjss-163	197	1	error	error	NOUN
esutjss-163	197	2	of	of	ADP
esutjss-163	197	3	the	the	DET
esutjss-163	197	4	estimate	estimate	NOUN
esutjss-163	197	5	1	1	NUM
esutjss-163	197	6	.694a	.694a	NUM
esutjss-163	197	7	.481	.481	NUM
esutjss-163	197	8	.479	.479	NUM
esutjss-163	197	9	2.41691	2.41691	NUM
esutjss-163	197	10	a.	a.	NOUN
esutjss-163	197	11	predictors	predictor	NOUN
esutjss-163	197	12	:	:	PUNCT
esutjss-163	197	13	(	(	PUNCT
esutjss-163	197	14	constant	constant	ADJ
esutjss-163	197	15	)	)	PUNCT
esutjss-163	197	16	,	,	PUNCT
esutjss-163	197	17	ngtp	ngtp	ADP
esutjss-163	197	18	117	117	NUM
esutjss-163	197	19	anovaa	anovaa	PROPN
esutjss-163	197	20	model	model	NOUN
esutjss-163	197	21	sum	sum	NOUN
esutjss-163	197	22	of	of	ADP
esutjss-163	197	23	squares	square	NOUN
esutjss-163	197	24	df	df	PROPN
esutjss-163	197	25	mean	mean	PROPN
esutjss-163	197	26	square	square	PROPN
esutjss-163	197	27	f	f	PROPN
esutjss-163	197	28	sig	sig	PROPN
esutjss-163	197	29	.	.	PROPN
esutjss-163	197	30	1	1	NUM
esutjss-163	197	31	regression	regression	VERB
esutjss-163	197	32	1326.741	1326.741	NUM
esutjss-163	197	33	1	1	NUM
esutjss-163	197	34	1326.741	1326.741	NUM
esutjss-163	197	35	227.125	227.125	NUM
esutjss-163	197	36	.000b	.000b	PROPN
esutjss-163	197	37	residual	residual	ADJ
esutjss-163	197	38	1431.154	1431.154	NUM
esutjss-163	197	39	245	245	NUM
esutjss-163	197	40	5.841	5.841	NUM
esutjss-163	197	41	total	total	NOUN
esutjss-163	197	42	2757.895	2757.895	NUM
esutjss-163	197	43	246	246	NUM
esutjss-163	197	44	a.	a.	NOUN
esutjss-163	197	45	dependent	dependent	ADJ
esutjss-163	197	46	variable	variable	NOUN
esutjss-163	197	47	:	:	PUNCT
esutjss-163	197	48	sustainability	sustainability	PROPN
esutjss-163	197	49	b.	b.	PROPN
esutjss-163	197	50	predictors	predictor	NOUN
esutjss-163	197	51	:	:	PUNCT
esutjss-163	197	52	(	(	PUNCT
esutjss-163	197	53	constant	constant	ADJ
esutjss-163	197	54	)	)	PUNCT
esutjss-163	197	55	,	,	PUNCT
esutjss-163	197	56	ngtp	ngtp	CCONJ
esutjss-163	197	57	the	the	DET
esutjss-163	197	58	second	second	ADJ
esutjss-163	197	59	table	table	NOUN
esutjss-163	197	60	(	(	PUNCT
esutjss-163	197	61	anova	anova	PROPN
esutjss-163	197	62	)	)	PUNCT
esutjss-163	197	63	reveals	reveal	VERB
esutjss-163	197	64	that	that	SCONJ
esutjss-163	197	65	the	the	DET
esutjss-163	197	66	analysis	analysis	NOUN
esutjss-163	197	67	of	of	ADP
esutjss-163	197	68	variance	variance	NOUN
esutjss-163	197	69	for	for	ADP
esutjss-163	197	70	the	the	DET
esutjss-163	197	71	linear	linear	PROPN
esutjss-163	197	72	regression	regression	NOUN
esutjss-163	197	73	data	datum	NOUN
esutjss-163	197	74	yielded	yield	VERB
esutjss-163	197	75	an	an	DET
esutjss-163	197	76	f	f	NOUN
esutjss-163	197	77	-	-	PUNCT
esutjss-163	197	78	ratio	ratio	NOUN
esutjss-163	197	79	value	value	NOUN
esutjss-163	197	80	of	of	ADP
esutjss-163	197	81	227.125	227.125	NUM
esutjss-163	197	82	,	,	PUNCT
esutjss-163	197	83	which	which	PRON
esutjss-163	197	84	is	be	AUX
esutjss-163	197	85	statistically	statistically	ADV
esutjss-163	197	86	significant	significant	ADJ
esutjss-163	197	87	because	because	SCONJ
esutjss-163	197	88	the	the	DET
esutjss-163	197	89	significance	significance	NOUN
esutjss-163	197	90	threshold	threshold	NOUN
esutjss-163	197	91	is	be	AUX
esutjss-163	197	92	smaller	small	ADJ
esutjss-163	197	93	than	than	ADP
esutjss-163	197	94	p	p	NOUN
esutjss-163	197	95	0.05	0.05	NUM
esutjss-163	197	96	.	.	PUNCT
esutjss-163	198	1	this	this	PRON
esutjss-163	198	2	means	mean	VERB
esutjss-163	198	3	the	the	DET
esutjss-163	198	4	regression	regression	NOUN
esutjss-163	198	5	model	model	NOUN
esutjss-163	198	6	is	be	AUX
esutjss-163	198	7	statistically	statistically	ADV
esutjss-163	198	8	significant	significant	ADJ
esutjss-163	198	9	,	,	PUNCT
esutjss-163	198	10	legitimate	legitimate	ADJ
esutjss-163	198	11	,	,	PUNCT
esutjss-163	198	12	and	and	CCONJ
esutjss-163	198	13	well	well	ADV
esutjss-163	198	14	-	-	PUNCT
esutjss-163	198	15	fitting	fitting	ADJ
esutjss-163	198	16	.	.	PUNCT
esutjss-163	199	1	according	accord	VERB
esutjss-163	199	2	to	to	ADP
esutjss-163	199	3	the	the	DET
esutjss-163	199	4	valid	valid	ADJ
esutjss-163	199	5	regression	regression	NOUN
esutjss-163	199	6	model	model	NOUN
esutjss-163	199	7	,	,	PUNCT
esutjss-163	199	8	the	the	DET
esutjss-163	199	9	independent	independent	ADJ
esutjss-163	199	10	variable	variable	NOUN
esutjss-163	199	11	(	(	PUNCT
esutjss-163	199	12	next	next	ADJ
esutjss-163	199	13	generation	generation	NOUN
esutjss-163	199	14	technology	technology	NOUN
esutjss-163	199	15	platform	platform	NOUN
esutjss-163	199	16	)	)	PUNCT
esutjss-163	199	17	has	have	VERB
esutjss-163	199	18	a	a	DET
esutjss-163	199	19	positive	positive	ADJ
esutjss-163	199	20	and	and	CCONJ
esutjss-163	199	21	significant	significant	ADJ
esutjss-163	199	22	connection	connection	NOUN
esutjss-163	199	23	with	with	ADP
esutjss-163	199	24	the	the	DET
esutjss-163	199	25	dependent	dependent	ADJ
esutjss-163	199	26	variable	variable	NOUN
esutjss-163	199	27	(	(	PUNCT
esutjss-163	199	28	sustainability	sustainability	NOUN
esutjss-163	199	29	of	of	ADP
esutjss-163	199	30	insurance	insurance	NOUN
esutjss-163	199	31	companies	company	NOUN
esutjss-163	199	32	in	in	ADP
esutjss-163	199	33	nigeria	nigeria	PROPN
esutjss-163	199	34	)	)	PUNCT
esutjss-163	199	35	.	.	PUNCT
esutjss-163	200	1	coefficientsa	coefficientsa	NOUN
esutjss-163	200	2	model	model	VERB
esutjss-163	200	3	unstandardized	unstandardized	ADJ
esutjss-163	200	4	coefficients	coefficient	NOUN
esutjss-163	200	5	standardized	standardize	VERB
esutjss-163	200	6	coefficients	coefficient	NOUN
esutjss-163	200	7	t	t	PROPN
esutjss-163	200	8	sig	sig	PROPN
esutjss-163	200	9	.	.	PUNCT
esutjss-163	201	1	b	b	X
esutjss-163	201	2	std	std	PROPN
esutjss-163	201	3	.	.	NOUN
esutjss-163	201	4	error	error	NOUN
esutjss-163	201	5	beta	beta	NOUN
esutjss-163	201	6	1	1	NUM
esutjss-163	201	7	(	(	PUNCT
esutjss-163	201	8	constant	constant	ADJ
esutjss-163	201	9	)	)	PUNCT
esutjss-163	201	10	6.855	6.855	NUM
esutjss-163	201	11	1.165	1.165	NUM
esutjss-163	201	12	5.882	5.882	NUM
esutjss-163	201	13	.000	.000	NUM
esutjss-163	201	14	ngtp	ngtp	ADP
esutjss-163	201	15	.700	.700	NUM
esutjss-163	201	16	.046	.046	NUM
esutjss-163	201	17	.694	.694	NUM
esutjss-163	202	1	15.071	15.071	NUM
esutjss-163	202	2	.000	.000	NUM
esutjss-163	202	3	a.	a.	NOUN
esutjss-163	202	4	dependent	dependent	ADJ
esutjss-163	202	5	variable	variable	NOUN
esutjss-163	202	6	:	:	PUNCT
esutjss-163	202	7	sustainability	sustainability	NOUN
esutjss-163	202	8	the	the	DET
esutjss-163	202	9	third	third	ADJ
esutjss-163	202	10	table	table	NOUN
esutjss-163	202	11	(	(	PUNCT
esutjss-163	202	12	coefficient	coefficient	NOUN
esutjss-163	202	13	)	)	PUNCT
esutjss-163	202	14	indicates	indicate	VERB
esutjss-163	202	15	that	that	SCONJ
esutjss-163	202	16	the	the	DET
esutjss-163	202	17	independent	independent	ADJ
esutjss-163	202	18	variable	variable	NOUN
esutjss-163	202	19	(	(	PUNCT
esutjss-163	202	20	i.e.	i.e.	X
esutjss-163	202	21	new	new	ADJ
esutjss-163	202	22	generation	generation	NOUN
esutjss-163	202	23	technology	technology	NOUN
esutjss-163	202	24	platform	platform	NOUN
esutjss-163	202	25	)	)	PUNCT
esutjss-163	202	26	contribute	contribute	VERB
esutjss-163	202	27	positively	positively	ADV
esutjss-163	202	28	and	and	CCONJ
esutjss-163	202	29	statistically	statistically	ADV
esutjss-163	202	30	to	to	ADP
esutjss-163	202	31	sustainability	sustainability	NOUN
esutjss-163	202	32	of	of	ADP
esutjss-163	202	33	insurance	insurance	NOUN
esutjss-163	202	34	companies	company	NOUN
esutjss-163	202	35	at	at	ADP
esutjss-163	202	36	p≤0.05	p≤0.05	PROPN
esutjss-163	202	37	.	.	PUNCT
esutjss-163	203	1	h02	h02	PROPN
esutjss-163	203	2	:	:	PUNCT
esutjss-163	203	3	digital	digital	ADJ
esutjss-163	203	4	accounting	accounting	NOUN
esutjss-163	203	5	tools	tool	NOUN
esutjss-163	203	6	as	as	ADP
esutjss-163	203	7	a	a	DET
esutjss-163	203	8	digital	digital	ADJ
esutjss-163	203	9	transformation	transformation	NOUN
esutjss-163	203	10	strategy	strategy	NOUN
esutjss-163	203	11	does	do	AUX
esutjss-163	203	12	not	not	PART
esutjss-163	203	13	have	have	VERB
esutjss-163	203	14	an	an	DET
esutjss-163	203	15	impact	impact	NOUN
esutjss-163	203	16	on	on	ADP
esutjss-163	203	17	the	the	DET
esutjss-163	203	18	sustainability	sustainability	NOUN
esutjss-163	203	19	of	of	ADP
esutjss-163	203	20	insurance	insurance	NOUN
esutjss-163	203	21	companies	company	NOUN
esutjss-163	203	22	in	in	ADP
esutjss-163	203	23	nigeria	nigeria	PROPN
esutjss-163	203	24	y	y	PROPN
esutjss-163	203	25	=	=	ADJ
esutjss-163	203	26	α0+β1x1+e	α0+β1x1+e	NOUN
esutjss-163	203	27	…	…	SYM
esutjss-163	203	28	…	…	PUNCT
esutjss-163	203	29	…	…	PUNCT
esutjss-163	203	30	…	…	PUNCT
esutjss-163	203	31	…	…	PUNCT
esutjss-163	203	32	…	…	PUNCT
esutjss-163	203	33	…	…	PUNCT
esutjss-163	203	34	…	…	SYM
esutjss-163	203	35	(1	(1	X
esutjss-163	203	36	)	)	PUNCT
esutjss-163	204	1	where	where	SCONJ
esutjss-163	204	2	:	:	PUNCT
esutjss-163	204	3	y	y	PROPN
esutjss-163	204	4	=	=	PUNCT
esutjss-163	204	5	digital	digital	ADJ
esutjss-163	204	6	accounting	accounting	NOUN
esutjss-163	204	7	tools	tool	NOUN
esutjss-163	204	8	(	(	PUNCT
esutjss-163	204	9	dat	dat	ADJ
esutjss-163	204	10	)	)	PUNCT
esutjss-163	204	11	α0	α0	ADJ
esutjss-163	204	12	=	=	SYM
esutjss-163	204	13	autonomous	autonomous	ADJ
esutjss-163	204	14	β1	β1	PROPN
esutjss-163	205	1	=	=	NOUN
esutjss-163	206	1	slope	slope	NOUN
esutjss-163	206	2	of	of	ADP
esutjss-163	206	3	a	a	DET
esutjss-163	206	4	line	line	NOUN
esutjss-163	206	5	x1	x1	NOUN
esutjss-163	207	1	=	=	PUNCT
esutjss-163	207	2	digital	digital	ADJ
esutjss-163	207	3	transformation	transformation	NOUN
esutjss-163	207	4	strategy	strategy	NOUN
esutjss-163	207	5	e	e	NOUN
esutjss-163	207	6	=	=	NOUN
esutjss-163	207	7	error	error	NOUN
esutjss-163	207	8	118	118	NUM
esutjss-163	207	9	model	model	NOUN
esutjss-163	207	10	summary	summary	NOUN
esutjss-163	207	11	model	model	NOUN
esutjss-163	207	12	r	r	PROPN
esutjss-163	207	13	r	r	NOUN
esutjss-163	207	14	square	square	ADJ
esutjss-163	207	15	adjusted	adjust	VERB
esutjss-163	207	16	r	r	NOUN
esutjss-163	207	17	square	square	ADJ
esutjss-163	207	18	std	std	NOUN
esutjss-163	207	19	.	.	PUNCT
esutjss-163	208	1	error	error	NOUN
esutjss-163	208	2	of	of	ADP
esutjss-163	208	3	the	the	DET
esutjss-163	208	4	estimate	estimate	NOUN
esutjss-163	208	5	1	1	NUM
esutjss-163	208	6	.948a	.948a	PROPN
esutjss-163	208	7	.900	.900	NUM
esutjss-163	208	8	.899	.899	NUM
esutjss-163	209	1	2.62709	2.62709	NUM
esutjss-163	209	2	a.	a.	NOUN
esutjss-163	209	3	predictors	predictor	NOUN
esutjss-163	209	4	:	:	PUNCT
esutjss-163	209	5	(	(	PUNCT
esutjss-163	209	6	constant	constant	ADJ
esutjss-163	209	7	)	)	PUNCT
esutjss-163	209	8	,	,	PUNCT
esutjss-163	209	9	dat	dat	VERB
esutjss-163	209	10	to	to	PART
esutjss-163	209	11	predict	predict	VERB
esutjss-163	209	12	the	the	DET
esutjss-163	209	13	sustainability	sustainability	NOUN
esutjss-163	209	14	of	of	ADP
esutjss-163	209	15	insurance	insurance	NOUN
esutjss-163	209	16	companies	company	NOUN
esutjss-163	209	17	in	in	ADP
esutjss-163	209	18	nigeria	nigeria	PROPN
esutjss-163	209	19	(	(	PUNCT
esutjss-163	209	20	the	the	DET
esutjss-163	209	21	dependent	dependent	ADJ
esutjss-163	209	22	variable	variable	NOUN
esutjss-163	209	23	)	)	PUNCT
esutjss-163	209	24	from	from	ADP
esutjss-163	209	25	digital	digital	ADJ
esutjss-163	209	26	accounting	accounting	NOUN
esutjss-163	209	27	tools	tool	NOUN
esutjss-163	209	28	(	(	PUNCT
esutjss-163	209	29	the	the	DET
esutjss-163	209	30	independent	independent	ADJ
esutjss-163	209	31	variable	variable	NOUN
esutjss-163	209	32	)	)	PUNCT
esutjss-163	209	33	,	,	PUNCT
esutjss-163	209	34	a	a	DET
esutjss-163	209	35	simple	simple	ADJ
esutjss-163	209	36	linear	linear	ADJ
esutjss-163	209	37	regression	regression	NOUN
esutjss-163	209	38	was	be	AUX
esutjss-163	209	39	run	run	VERB
esutjss-163	209	40	.	.	PUNCT
esutjss-163	210	1	the	the	DET
esutjss-163	210	2	first	first	ADJ
esutjss-163	210	3	table	table	NOUN
esutjss-163	210	4	(	(	PUNCT
esutjss-163	210	5	model	model	NOUN
esutjss-163	210	6	summary	summary	NOUN
esutjss-163	210	7	)	)	PUNCT
esutjss-163	210	8	indicates	indicate	VERB
esutjss-163	210	9	that	that	SCONJ
esutjss-163	210	10	the	the	DET
esutjss-163	210	11	independent	independent	ADJ
esutjss-163	210	12	variable	variable	NOUN
esutjss-163	210	13	yielded	yield	VERB
esutjss-163	210	14	a	a	DET
esutjss-163	210	15	coefficient	coefficient	NOUN
esutjss-163	210	16	of	of	ADP
esutjss-163	210	17	determination	determination	NOUN
esutjss-163	210	18	(	(	PUNCT
esutjss-163	210	19	r2	r2	PROPN
esutjss-163	210	20	)	)	PUNCT
esutjss-163	210	21	of	of	ADP
esutjss-163	210	22	0.948	0.948	NUM
esutjss-163	210	23	,	,	PUNCT
esutjss-163	210	24	accounting	account	VERB
esutjss-163	210	25	for	for	ADP
esutjss-163	210	26	94.8	94.8	NUM
esutjss-163	210	27	%	%	NOUN
esutjss-163	210	28	of	of	ADP
esutjss-163	210	29	the	the	DET
esutjss-163	210	30	proportion	proportion	NOUN
esutjss-163	210	31	of	of	ADP
esutjss-163	210	32	variance	variance	NOUN
esutjss-163	210	33	in	in	ADP
esutjss-163	210	34	the	the	DET
esutjss-163	210	35	dependent	dependent	ADJ
esutjss-163	210	36	variable	variable	NOUN
esutjss-163	210	37	that	that	PRON
esutjss-163	210	38	is	be	AUX
esutjss-163	210	39	explained	explain	VERB
esutjss-163	210	40	by	by	ADP
esutjss-163	210	41	the	the	DET
esutjss-163	210	42	independent	independent	ADJ
esutjss-163	210	43	variable	variable	NOUN
esutjss-163	210	44	.	.	PUNCT
esutjss-163	211	1	anovaa	anovaa	PROPN
esutjss-163	211	2	model	model	PROPN
esutjss-163	211	3	sum	sum	PROPN
esutjss-163	211	4	of	of	ADP
esutjss-163	211	5	squares	square	NOUN
esutjss-163	211	6	df	df	PROPN
esutjss-163	211	7	mean	mean	PROPN
esutjss-163	211	8	square	square	PROPN
esutjss-163	211	9	f	f	PROPN
esutjss-163	211	10	sig	sig	PROPN
esutjss-163	211	11	.	.	PROPN
esutjss-163	211	12	1	1	NUM
esutjss-163	211	13	regression	regression	VERB
esutjss-163	211	14	20106.888	20106.888	NUM
esutjss-163	211	15	1	1	NUM
esutjss-163	211	16	20106.888	20106.888	NUM
esutjss-163	211	17	2913.358	2913.358	NUM
esutjss-163	211	18	.000b	.000b	PROPN
esutjss-163	211	19	residual	residual	ADJ
esutjss-163	211	20	2243.027	2243.027	NUM
esutjss-163	211	21	325	325	NUM
esutjss-163	211	22	6.902	6.902	NUM
esutjss-163	211	23	total	total	ADJ
esutjss-163	211	24	22349.914	22349.914	NUM
esutjss-163	211	25	326	326	NUM
esutjss-163	211	26	a.	a.	NOUN
esutjss-163	211	27	dependent	dependent	ADJ
esutjss-163	211	28	variable	variable	NOUN
esutjss-163	211	29	:	:	PUNCT
esutjss-163	211	30	sustainability	sustainability	PROPN
esutjss-163	211	31	b.	b.	PROPN
esutjss-163	211	32	predictors	predictor	NOUN
esutjss-163	211	33	:	:	PUNCT
esutjss-163	211	34	(	(	PUNCT
esutjss-163	211	35	constant	constant	ADJ
esutjss-163	211	36	)	)	PUNCT
esutjss-163	211	37	,	,	PUNCT
esutjss-163	211	38	dat	dat	VERB
esutjss-163	211	39	the	the	DET
esutjss-163	211	40	anova	anova	PROPN
esutjss-163	211	41	table	table	NOUN
esutjss-163	211	42	shows	show	VERB
esutjss-163	211	43	the	the	DET
esutjss-163	211	44	analysis	analysis	NOUN
esutjss-163	211	45	of	of	ADP
esutjss-163	211	46	variance	variance	NOUN
esutjss-163	211	47	for	for	ADP
esutjss-163	211	48	the	the	DET
esutjss-163	211	49	linear	linear	PROPN
esutjss-163	211	50	regression	regression	NOUN
esutjss-163	211	51	data	datum	NOUN
esutjss-163	211	52	produced	produce	VERB
esutjss-163	211	53	an	an	DET
esutjss-163	211	54	f	f	NOUN
esutjss-163	211	55	-	-	PUNCT
esutjss-163	211	56	ratio	ratio	NOUN
esutjss-163	211	57	value	value	NOUN
esutjss-163	211	58	of	of	ADP
esutjss-163	211	59	2913.358	2913.358	NOUN
esutjss-163	211	60	,	,	PUNCT
esutjss-163	211	61	which	which	PRON
esutjss-163	211	62	is	be	AUX
esutjss-163	211	63	statistically	statistically	ADV
esutjss-163	211	64	significant	significant	ADJ
esutjss-163	211	65	because	because	SCONJ
esutjss-163	211	66	the	the	DET
esutjss-163	211	67	significance	significance	NOUN
esutjss-163	211	68	level	level	NOUN
esutjss-163	211	69	is	be	AUX
esutjss-163	211	70	=	=	NOUN
esutjss-163	211	71	.000	.000	NUM
esutjss-163	211	72	,	,	PUNCT
esutjss-163	211	73	which	which	PRON
esutjss-163	211	74	is	be	AUX
esutjss-163	211	75	less	less	ADJ
esutjss-163	211	76	than	than	ADP
esutjss-163	211	77	p	p	NOUN
esutjss-163	211	78	<	<	NOUN
esutjss-163	211	79	0.05	0.05	NUM
esutjss-163	211	80	.	.	PUNCT
esutjss-163	212	1	this	this	PRON
esutjss-163	212	2	implies	imply	VERB
esutjss-163	212	3	that	that	SCONJ
esutjss-163	212	4	the	the	DET
esutjss-163	212	5	regression	regression	NOUN
esutjss-163	212	6	model	model	NOUN
esutjss-163	212	7	is	be	AUX
esutjss-163	212	8	statistically	statistically	ADV
esutjss-163	212	9	significant	significant	ADJ
esutjss-163	212	10	,	,	PUNCT
esutjss-163	212	11	valid	valid	ADJ
esutjss-163	212	12	,	,	PUNCT
esutjss-163	212	13	and	and	CCONJ
esutjss-163	212	14	fitting	fitting	NOUN
esutjss-163	212	15	.	.	PUNCT
esutjss-163	213	1	the	the	DET
esutjss-163	213	2	valid	valid	ADJ
esutjss-163	213	3	regression	regression	NOUN
esutjss-163	213	4	model	model	NOUN
esutjss-163	213	5	implies	imply	VERB
esutjss-163	213	6	that	that	SCONJ
esutjss-163	213	7	the	the	DET
esutjss-163	213	8	independent	independent	ADJ
esutjss-163	213	9	variable	variable	NOUN
esutjss-163	213	10	(	(	PUNCT
esutjss-163	213	11	digital	digital	ADJ
esutjss-163	213	12	accounting	accounting	NOUN
esutjss-163	213	13	tools	tool	NOUN
esutjss-163	213	14	)	)	PUNCT
esutjss-163	213	15	is	be	AUX
esutjss-163	213	16	showing	show	VERB
esutjss-163	213	17	a	a	DET
esutjss-163	213	18	positive	positive	ADJ
esutjss-163	213	19	and	and	CCONJ
esutjss-163	213	20	significant	significant	ADJ
esutjss-163	213	21	relationship	relationship	NOUN
esutjss-163	213	22	with	with	ADP
esutjss-163	213	23	the	the	DET
esutjss-163	213	24	dependent	dependent	ADJ
esutjss-163	213	25	variable	variable	NOUN
esutjss-163	213	26	(	(	PUNCT
esutjss-163	213	27	sustainability	sustainability	NOUN
esutjss-163	213	28	of	of	ADP
esutjss-163	213	29	insurance	insurance	NOUN
esutjss-163	213	30	companies	company	NOUN
esutjss-163	213	31	in	in	ADP
esutjss-163	213	32	nigeria	nigeria	PROPN
esutjss-163	213	33	)	)	PUNCT
esutjss-163	213	34	.	.	PUNCT
esutjss-163	214	1	coefficientsa	coefficientsa	NOUN
esutjss-163	214	2	model	model	VERB
esutjss-163	214	3	unstandardized	unstandardized	ADJ
esutjss-163	214	4	coefficients	coefficient	NOUN
esutjss-163	214	5	standardized	standardize	VERB
esutjss-163	214	6	coefficients	coefficient	NOUN
esutjss-163	214	7	t	t	PROPN
esutjss-163	214	8	sig	sig	PROPN
esutjss-163	214	9	.	.	PUNCT
esutjss-163	215	1	b	b	X
esutjss-163	215	2	std	std	PROPN
esutjss-163	215	3	.	.	NOUN
esutjss-163	215	4	error	error	NOUN
esutjss-163	215	5	beta	beta	NOUN
esutjss-163	215	6	1	1	NUM
esutjss-163	215	7	(	(	PUNCT
esutjss-163	215	8	constant	constant	ADJ
esutjss-163	215	9	)	)	PUNCT
esutjss-163	215	10	-1.651	-1.651	X
esutjss-163	215	11	.528	.528	NUM
esutjss-163	215	12	-3.126	-3.126	NUM
esutjss-163	215	13	.002	.002	NUM
esutjss-163	215	14	dat	dat	ADJ
esutjss-163	215	15	.334	.334	NUM
esutjss-163	215	16	.006	.006	NUM
esutjss-163	215	17	.948	.948	NUM
esutjss-163	215	18	53.976	53.976	NUM
esutjss-163	215	19	.000	.000	NUM
esutjss-163	215	20	a.	a.	NOUN
esutjss-163	215	21	dependent	dependent	ADJ
esutjss-163	215	22	variable	variable	NOUN
esutjss-163	215	23	:	:	PUNCT
esutjss-163	215	24	sustainability	sustainability	NOUN
esutjss-163	215	25	the	the	DET
esutjss-163	215	26	third	third	ADJ
esutjss-163	215	27	table	table	NOUN
esutjss-163	215	28	(	(	PUNCT
esutjss-163	215	29	coefficient	coefficient	NOUN
esutjss-163	215	30	)	)	PUNCT
esutjss-163	215	31	indicates	indicate	VERB
esutjss-163	215	32	that	that	SCONJ
esutjss-163	215	33	the	the	DET
esutjss-163	215	34	independent	independent	ADJ
esutjss-163	215	35	variable	variable	NOUN
esutjss-163	215	36	(	(	PUNCT
esutjss-163	215	37	i.e.	i.e.	X
esutjss-163	215	38	digital	digital	ADJ
esutjss-163	215	39	accounting	accounting	NOUN
esutjss-163	215	40	tools	tool	NOUN
esutjss-163	215	41	)	)	PUNCT
esutjss-163	215	42	contribute	contribute	VERB
esutjss-163	215	43	positively	positively	ADV
esutjss-163	215	44	and	and	CCONJ
esutjss-163	215	45	statistically	statistically	ADV
esutjss-163	215	46	to	to	ADP
esutjss-163	215	47	sustainability	sustainability	NOUN
esutjss-163	215	48	of	of	ADP
esutjss-163	215	49	insurance	insurance	NOUN
esutjss-163	215	50	companies	company	NOUN
esutjss-163	215	51	at	at	ADP
esutjss-163	215	52	p≤0.05	p≤0.05	NOUN
esutjss-163	215	53	.	.	PUNCT
esutjss-163	216	1	119	119	NUM
esutjss-163	216	2	conclusion	conclusion	NOUN
esutjss-163	216	3	and	and	CCONJ
esutjss-163	216	4	recommendations	recommendation	NOUN
esutjss-163	216	5	the	the	DET
esutjss-163	216	6	anova	anova	PROPN
esutjss-163	216	7	shows	show	VERB
esutjss-163	216	8	the	the	DET
esutjss-163	216	9	analysis	analysis	NOUN
esutjss-163	216	10	of	of	ADP
esutjss-163	216	11	variance	variance	NOUN
esutjss-163	216	12	for	for	ADP
esutjss-163	216	13	the	the	DET
esutjss-163	216	14	linear	linear	PROPN
esutjss-163	216	15	regression	regression	NOUN
esutjss-163	216	16	data	datum	NOUN
esutjss-163	216	17	produced	produce	VERB
esutjss-163	216	18	an	an	DET
esutjss-163	216	19	f	f	NOUN
esutjss-163	216	20	-	-	PUNCT
esutjss-163	216	21	ratio	ratio	NOUN
esutjss-163	216	22	value	value	NOUN
esutjss-163	216	23	of	of	ADP
esutjss-163	216	24	227.125	227.125	NUM
esutjss-163	216	25	,	,	PUNCT
esutjss-163	216	26	which	which	PRON
esutjss-163	216	27	is	be	AUX
esutjss-163	216	28	statistically	statistically	ADV
esutjss-163	216	29	significant	significant	ADJ
esutjss-163	216	30	because	because	SCONJ
esutjss-163	216	31	the	the	DET
esutjss-163	216	32	significance	significance	NOUN
esutjss-163	216	33	level	level	NOUN
esutjss-163	216	34	is	be	AUX
esutjss-163	216	35	=	=	NOUN
esutjss-163	216	36	.000	.000	NUM
esutjss-163	216	37	,	,	PUNCT
esutjss-163	216	38	which	which	PRON
esutjss-163	216	39	is	be	AUX
esutjss-163	216	40	less	less	ADJ
esutjss-163	216	41	than	than	ADP
esutjss-163	216	42	p≤0.05	p≤0.05	NOUN
esutjss-163	216	43	.	.	PUNCT
esutjss-163	217	1	this	this	PRON
esutjss-163	217	2	means	mean	VERB
esutjss-163	217	3	the	the	DET
esutjss-163	217	4	regression	regression	NOUN
esutjss-163	217	5	model	model	NOUN
esutjss-163	217	6	is	be	AUX
esutjss-163	217	7	statistically	statistically	ADV
esutjss-163	217	8	significant	significant	ADJ
esutjss-163	217	9	,	,	PUNCT
esutjss-163	217	10	legitimate	legitimate	ADJ
esutjss-163	217	11	,	,	PUNCT
esutjss-163	217	12	and	and	CCONJ
esutjss-163	217	13	well	well	ADV
esutjss-163	217	14	-	-	PUNCT
esutjss-163	217	15	fitting	fitting	ADJ
esutjss-163	217	16	.	.	PUNCT
esutjss-163	218	1	the	the	DET
esutjss-163	218	2	next	next	ADJ
esutjss-163	218	3	generation	generation	NOUN
esutjss-163	218	4	technology	technology	NOUN
esutjss-163	218	5	platform	platform	NOUN
esutjss-163	218	6	has	have	VERB
esutjss-163	218	7	a	a	DET
esutjss-163	218	8	favourable	favourable	ADJ
esutjss-163	218	9	and	and	CCONJ
esutjss-163	218	10	significant	significant	ADJ
esutjss-163	218	11	relationship	relationship	NOUN
esutjss-163	218	12	with	with	ADP
esutjss-163	218	13	the	the	DET
esutjss-163	218	14	sustainability	sustainability	NOUN
esutjss-163	218	15	of	of	ADP
esutjss-163	218	16	insurance	insurance	NOUN
esutjss-163	218	17	firms	firm	NOUN
esutjss-163	218	18	in	in	ADP
esutjss-163	218	19	nigeria	nigeria	PROPN
esutjss-163	218	20	,	,	PUNCT
esutjss-163	218	21	according	accord	VERB
esutjss-163	218	22	to	to	ADP
esutjss-163	218	23	the	the	DET
esutjss-163	218	24	valid	valid	ADJ
esutjss-163	218	25	regression	regression	NOUN
esutjss-163	218	26	model	model	NOUN
esutjss-163	218	27	.	.	PUNCT
esutjss-163	219	1	the	the	DET
esutjss-163	219	2	quest	quest	NOUN
esutjss-163	219	3	for	for	ADP
esutjss-163	219	4	next	next	ADJ
esutjss-163	219	5	-	-	PUNCT
esutjss-163	219	6	generation	generation	NOUN
esutjss-163	219	7	technology	technology	NOUN
esutjss-163	219	8	has	have	AUX
esutjss-163	219	9	also	also	ADV
esutjss-163	219	10	led	lead	VERB
esutjss-163	219	11	to	to	ADP
esutjss-163	219	12	many	many	ADJ
esutjss-163	219	13	organizations	organization	NOUN
esutjss-163	219	14	seeking	seek	VERB
esutjss-163	219	15	to	to	PART
esutjss-163	219	16	organize	organize	VERB
esutjss-163	219	17	their	their	PRON
esutjss-163	219	18	technological	technological	ADJ
esutjss-163	219	19	investments	investment	NOUN
esutjss-163	219	20	.	.	PUNCT
esutjss-163	220	1	since	since	SCONJ
esutjss-163	220	2	organizations	organization	NOUN
esutjss-163	220	3	only	only	ADV
esutjss-163	220	4	used	use	VERB
esutjss-163	220	5	their	their	PRON
esutjss-163	220	6	digital	digital	ADJ
esutjss-163	220	7	capabilities	capability	NOUN
esutjss-163	220	8	on	on	ADP
esutjss-163	220	9	occasion	occasion	NOUN
esutjss-163	220	10	in	in	ADP
esutjss-163	220	11	the	the	DET
esutjss-163	220	12	past	past	NOUN
esutjss-163	220	13	,	,	PUNCT
esutjss-163	220	14	it	it	PRON
esutjss-163	220	15	was	be	AUX
esutjss-163	220	16	easy	easy	ADJ
esutjss-163	220	17	for	for	SCONJ
esutjss-163	220	18	redundancies	redundancy	NOUN
esutjss-163	220	19	or	or	CCONJ
esutjss-163	220	20	gaps	gap	NOUN
esutjss-163	220	21	in	in	ADP
esutjss-163	220	22	services	service	NOUN
esutjss-163	220	23	to	to	PART
esutjss-163	220	24	be	be	AUX
esutjss-163	220	25	missed	miss	VERB
esutjss-163	220	26	by	by	ADP
esutjss-163	220	27	both	both	DET
esutjss-163	220	28	employees	employee	NOUN
esutjss-163	220	29	and	and	CCONJ
esutjss-163	220	30	company	company	NOUN
esutjss-163	220	31	executives	executive	NOUN
esutjss-163	220	32	.	.	PUNCT
esutjss-163	221	1	the	the	DET
esutjss-163	221	2	pandemic	pandemic	NOUN
esutjss-163	221	3	's	's	PART
esutjss-163	221	4	dependence	dependence	NOUN
esutjss-163	221	5	on	on	ADP
esutjss-163	221	6	technology	technology	NOUN
esutjss-163	221	7	,	,	PUNCT
esutjss-163	221	8	on	on	ADP
esutjss-163	221	9	the	the	DET
esutjss-163	221	10	other	other	ADJ
esutjss-163	221	11	hand	hand	NOUN
esutjss-163	221	12	,	,	PUNCT
esutjss-163	221	13	has	have	AUX
esutjss-163	221	14	prompted	prompt	VERB
esutjss-163	221	15	individuals	individual	NOUN
esutjss-163	221	16	to	to	PART
esutjss-163	221	17	reconsider	reconsider	VERB
esutjss-163	221	18	their	their	PRON
esutjss-163	221	19	technology	technology	NOUN
esutjss-163	221	20	investments	investment	NOUN
esutjss-163	221	21	and	and	CCONJ
esutjss-163	221	22	how	how	SCONJ
esutjss-163	221	23	they	they	PRON
esutjss-163	221	24	align	align	VERB
esutjss-163	221	25	with	with	ADP
esutjss-163	221	26	what	what	PRON
esutjss-163	221	27	they	they	PRON
esutjss-163	221	28	need	need	VERB
esutjss-163	221	29	to	to	PART
esutjss-163	221	30	properly	properly	ADV
esutjss-163	221	31	manage	manage	VERB
esutjss-163	221	32	a	a	DET
esutjss-163	221	33	digitally	digitally	ADV
esutjss-163	221	34	focused	focus	VERB
esutjss-163	221	35	organization	organization	NOUN
esutjss-163	221	36	.	.	PUNCT
esutjss-163	222	1	insurance	insurance	NOUN
esutjss-163	222	2	companies	company	NOUN
esutjss-163	222	3	carefully	carefully	ADV
esutjss-163	222	4	analysed	analyse	VERB
esutjss-163	222	5	the	the	DET
esutjss-163	222	6	software	software	NOUN
esutjss-163	222	7	and	and	CCONJ
esutjss-163	222	8	capabilities	capability	NOUN
esutjss-163	222	9	they	they	PRON
esutjss-163	222	10	needed	need	VERB
esutjss-163	222	11	to	to	PART
esutjss-163	222	12	invest	invest	VERB
esutjss-163	222	13	in	in	ADP
esutjss-163	222	14	,	,	PUNCT
esutjss-163	222	15	then	then	ADV
esutjss-163	222	16	determined	determine	VERB
esutjss-163	222	17	if	if	SCONJ
esutjss-163	222	18	there	there	PRON
esutjss-163	222	19	were	be	VERB
esutjss-163	222	20	any	any	DET
esutjss-163	222	21	overlapping	overlap	VERB
esutjss-163	222	22	costs	cost	NOUN
esutjss-163	222	23	and	and	CCONJ
esutjss-163	222	24	investments	investment	NOUN
esutjss-163	222	25	or	or	CCONJ
esutjss-163	222	26	capability	capability	NOUN
esutjss-163	222	27	redundancies	redundancy	NOUN
esutjss-163	222	28	.	.	PUNCT
esutjss-163	223	1	during	during	ADP
esutjss-163	223	2	and	and	CCONJ
esutjss-163	223	3	after	after	ADP
esutjss-163	223	4	the	the	DET
esutjss-163	223	5	epidemic	epidemic	NOUN
esutjss-163	223	6	,	,	PUNCT
esutjss-163	223	7	companies	company	NOUN
esutjss-163	223	8	had	have	VERB
esutjss-163	223	9	to	to	PART
esutjss-163	223	10	assess	assess	VERB
esutjss-163	223	11	why	why	SCONJ
esutjss-163	223	12	they	they	PRON
esutjss-163	223	13	had	have	AUX
esutjss-163	223	14	invested	invest	VERB
esutjss-163	223	15	in	in	ADP
esutjss-163	223	16	several	several	ADJ
esutjss-163	223	17	technologies	technology	NOUN
esutjss-163	223	18	to	to	PART
esutjss-163	223	19	determine	determine	VERB
esutjss-163	223	20	whether	whether	SCONJ
esutjss-163	223	21	there	there	PRON
esutjss-163	223	22	was	be	VERB
esutjss-163	223	23	a	a	DET
esutjss-163	223	24	justification	justification	NOUN
esutjss-163	223	25	for	for	ADP
esutjss-163	223	26	the	the	DET
esutjss-163	223	27	various	various	ADJ
esutjss-163	223	28	platforms	platform	NOUN
esutjss-163	223	29	and	and	CCONJ
esutjss-163	223	30	seek	seek	VERB
esutjss-163	223	31	for	for	ADP
esutjss-163	223	32	methods	method	NOUN
esutjss-163	223	33	to	to	PART
esutjss-163	223	34	eliminate	eliminate	VERB
esutjss-163	223	35	redundancy	redundancy	NOUN
esutjss-163	223	36	while	while	SCONJ
esutjss-163	223	37	ensuring	ensure	VERB
esutjss-163	223	38	that	that	SCONJ
esutjss-163	223	39	the	the	DET
esutjss-163	223	40	goals	goal	NOUN
esutjss-163	223	41	of	of	ADP
esutjss-163	223	42	the	the	DET
esutjss-163	223	43	various	various	ADJ
esutjss-163	223	44	departments	department	NOUN
esutjss-163	223	45	were	be	AUX
esutjss-163	223	46	satisfied	satisfied	ADJ
esutjss-163	223	47	.	.	PUNCT
esutjss-163	224	1	conferencing	conference	VERB
esutjss-163	224	2	software	software	NOUN
esutjss-163	224	3	,	,	PUNCT
esutjss-163	224	4	project	project	NOUN
esutjss-163	224	5	hosting	host	VERB
esutjss-163	224	6	platforms	platform	NOUN
esutjss-163	224	7	,	,	PUNCT
esutjss-163	224	8	monitoring	monitor	VERB
esutjss-163	224	9	tools	tool	NOUN
esutjss-163	224	10	to	to	PART
esutjss-163	224	11	monitor	monitor	VERB
esutjss-163	224	12	client	client	NOUN
esutjss-163	224	13	experiences	experience	NOUN
esutjss-163	224	14	,	,	PUNCT
esutjss-163	224	15	and	and	CCONJ
esutjss-163	224	16	other	other	ADJ
esutjss-163	224	17	critical	critical	ADJ
esutjss-163	224	18	kinds	kind	NOUN
esutjss-163	224	19	of	of	ADP
esutjss-163	224	20	software	software	NOUN
esutjss-163	224	21	were	be	AUX
esutjss-163	224	22	chosen	choose	VERB
esutjss-163	224	23	for	for	ADP
esutjss-163	224	24	their	their	PRON
esutjss-163	224	25	capacity	capacity	NOUN
esutjss-163	224	26	to	to	PART
esutjss-163	224	27	provide	provide	VERB
esutjss-163	224	28	a	a	DET
esutjss-163	224	29	unique	unique	ADJ
esutjss-163	224	30	experience	experience	NOUN
esutjss-163	224	31	that	that	PRON
esutjss-163	224	32	allows	allow	VERB
esutjss-163	224	33	the	the	DET
esutjss-163	224	34	companies	company	NOUN
esutjss-163	224	35	to	to	PART
esutjss-163	224	36	function	function	VERB
esutjss-163	224	37	with	with	ADP
esutjss-163	224	38	as	as	ADV
esutjss-163	224	39	little	little	ADJ
esutjss-163	224	40	confusion	confusion	NOUN
esutjss-163	224	41	and	and	CCONJ
esutjss-163	224	42	disruption	disruption	NOUN
esutjss-163	224	43	as	as	ADP
esutjss-163	224	44	possible	possible	ADJ
esutjss-163	224	45	.	.	PUNCT
esutjss-163	225	1	the	the	DET
esutjss-163	225	2	anova	anova	PROPN
esutjss-163	225	3	table	table	NOUN
esutjss-163	225	4	shows	show	VERB
esutjss-163	225	5	the	the	DET
esutjss-163	225	6	analysis	analysis	NOUN
esutjss-163	225	7	of	of	ADP
esutjss-163	225	8	variance	variance	NOUN
esutjss-163	225	9	for	for	ADP
esutjss-163	225	10	the	the	DET
esutjss-163	225	11	linear	linear	PROPN
esutjss-163	225	12	regression	regression	NOUN
esutjss-163	225	13	data	datum	NOUN
esutjss-163	225	14	produced	produce	VERB
esutjss-163	225	15	an	an	DET
esutjss-163	225	16	f	f	NOUN
esutjss-163	225	17	-	-	PUNCT
esutjss-163	225	18	ratio	ratio	NOUN
esutjss-163	225	19	value	value	NOUN
esutjss-163	225	20	of	of	ADP
esutjss-163	225	21	2913.358	2913.358	NOUN
esutjss-163	225	22	,	,	PUNCT
esutjss-163	225	23	which	which	PRON
esutjss-163	225	24	is	be	AUX
esutjss-163	225	25	statistically	statistically	ADV
esutjss-163	225	26	significant	significant	ADJ
esutjss-163	225	27	because	because	SCONJ
esutjss-163	225	28	the	the	DET
esutjss-163	225	29	significance	significance	NOUN
esutjss-163	225	30	level	level	NOUN
esutjss-163	225	31	is	be	AUX
esutjss-163	225	32	=	=	NOUN
esutjss-163	225	33	0.000	0.000	NUM
esutjss-163	225	34	,	,	PUNCT
esutjss-163	225	35	which	which	PRON
esutjss-163	225	36	is	be	AUX
esutjss-163	225	37	less	less	ADJ
esutjss-163	225	38	than	than	ADP
esutjss-163	225	39	p≤0.05	p≤0.05	NOUN
esutjss-163	225	40	.	.	PUNCT
esutjss-163	226	1	this	this	PRON
esutjss-163	226	2	means	mean	VERB
esutjss-163	226	3	the	the	DET
esutjss-163	226	4	regression	regression	NOUN
esutjss-163	226	5	model	model	NOUN
esutjss-163	226	6	is	be	AUX
esutjss-163	226	7	statistically	statistically	ADV
esutjss-163	226	8	significant	significant	ADJ
esutjss-163	226	9	,	,	PUNCT
esutjss-163	226	10	legitimate	legitimate	ADJ
esutjss-163	226	11	,	,	PUNCT
esutjss-163	226	12	and	and	CCONJ
esutjss-163	226	13	well	well	ADV
esutjss-163	226	14	-	-	PUNCT
esutjss-163	226	15	fitting	fitting	ADJ
esutjss-163	226	16	.	.	PUNCT
esutjss-163	227	1	according	accord	VERB
esutjss-163	227	2	to	to	ADP
esutjss-163	227	3	the	the	DET
esutjss-163	227	4	valid	valid	ADJ
esutjss-163	227	5	regression	regression	NOUN
esutjss-163	227	6	model	model	NOUN
esutjss-163	227	7	,	,	PUNCT
esutjss-163	227	8	digital	digital	ADJ
esutjss-163	227	9	accounting	accounting	NOUN
esutjss-163	227	10	tools	tool	NOUN
esutjss-163	227	11	has	have	VERB
esutjss-163	227	12	a	a	DET
esutjss-163	227	13	positive	positive	ADJ
esutjss-163	227	14	and	and	CCONJ
esutjss-163	227	15	significant	significant	ADJ
esutjss-163	227	16	relationship	relationship	NOUN
esutjss-163	227	17	with	with	ADP
esutjss-163	227	18	the	the	DET
esutjss-163	227	19	long	long	ADJ
esutjss-163	227	20	-	-	PUNCT
esutjss-163	227	21	term	term	NOUN
esutjss-163	227	22	viability	viability	NOUN
esutjss-163	227	23	of	of	ADP
esutjss-163	227	24	insurance	insurance	NOUN
esutjss-163	227	25	companies	company	NOUN
esutjss-163	227	26	in	in	ADP
esutjss-163	227	27	nigeria	nigeria	PROPN
esutjss-163	227	28	.	.	PUNCT
esutjss-163	228	1	as	as	SCONJ
esutjss-163	228	2	customers	customer	NOUN
esutjss-163	228	3	have	have	AUX
esutjss-163	228	4	increasingly	increasingly	ADV
esutjss-163	228	5	requested	request	VERB
esutjss-163	228	6	contactless	contactless	NOUN
esutjss-163	228	7	services	service	NOUN
esutjss-163	228	8	,	,	PUNCT
esutjss-163	228	9	companies	company	NOUN
esutjss-163	228	10	have	have	AUX
esutjss-163	228	11	seen	see	VERB
esutjss-163	228	12	a	a	DET
esutjss-163	228	13	significant	significant	ADJ
esutjss-163	228	14	push	push	NOUN
esutjss-163	228	15	toward	toward	ADP
esutjss-163	228	16	automation	automation	NOUN
esutjss-163	228	17	,	,	PUNCT
esutjss-163	228	18	which	which	PRON
esutjss-163	228	19	has	have	AUX
esutjss-163	228	20	improved	improve	VERB
esutjss-163	228	21	their	their	PRON
esutjss-163	228	22	capacity	capacity	NOUN
esutjss-163	228	23	to	to	PART
esutjss-163	228	24	provide	provide	VERB
esutjss-163	228	25	this	this	DET
esutjss-163	228	26	experience	experience	NOUN
esutjss-163	228	27	for	for	ADP
esutjss-163	228	28	customers	customer	NOUN
esutjss-163	228	29	.	.	PUNCT
esutjss-163	229	1	the	the	DET
esutjss-163	229	2	fewer	few	ADJ
esutjss-163	229	3	operations	operation	NOUN
esutjss-163	229	4	that	that	PRON
esutjss-163	229	5	must	must	AUX
esutjss-163	229	6	be	be	AUX
esutjss-163	229	7	handled	handle	VERB
esutjss-163	229	8	directly	directly	ADV
esutjss-163	229	9	by	by	ADP
esutjss-163	229	10	staff	staff	NOUN
esutjss-163	229	11	,	,	PUNCT
esutjss-163	229	12	the	the	PRON
esutjss-163	229	13	easier	easy	ADJ
esutjss-163	229	14	it	it	PRON
esutjss-163	229	15	is	be	AUX
esutjss-163	229	16	for	for	SCONJ
esutjss-163	229	17	companies	company	NOUN
esutjss-163	229	18	to	to	PART
esutjss-163	229	19	deliver	deliver	VERB
esutjss-163	229	20	great	great	ADJ
esutjss-163	229	21	,	,	PUNCT
esutjss-163	229	22	safe	safe	ADJ
esutjss-163	229	23	client	client	NOUN
esutjss-163	229	24	experiences	experience	NOUN
esutjss-163	229	25	.	.	PUNCT
esutjss-163	230	1	automation	automation	NOUN
esutjss-163	230	2	has	have	VERB
esutjss-163	230	3	enormous	enormous	ADJ
esutjss-163	230	4	promise	promise	NOUN
esutjss-163	230	5	for	for	ADP
esutjss-163	230	6	companies	company	NOUN
esutjss-163	230	7	,	,	PUNCT
esutjss-163	230	8	assisting	assist	VERB
esutjss-163	230	9	in	in	ADP
esutjss-163	230	10	the	the	DET
esutjss-163	230	11	management	management	NOUN
esutjss-163	230	12	of	of	ADP
esutjss-163	230	13	anything	anything	PRON
esutjss-163	230	14	from	from	ADP
esutjss-163	230	15	inventories	inventory	NOUN
esutjss-163	230	16	to	to	PART
esutjss-163	230	17	email	email	VERB
esutjss-163	230	18	subscriber	subscriber	NOUN
esutjss-163	230	19	lists	list	NOUN
esutjss-163	230	20	.	.	PUNCT
esutjss-163	231	1	while	while	SCONJ
esutjss-163	231	2	many	many	ADJ
esutjss-163	231	3	organizations	organization	NOUN
esutjss-163	231	4	have	have	AUX
esutjss-163	231	5	already	already	ADV
esutjss-163	231	6	begun	begin	VERB
esutjss-163	231	7	to	to	PART
esutjss-163	231	8	appreciate	appreciate	VERB
esutjss-163	231	9	the	the	DET
esutjss-163	231	10	value	value	NOUN
esutjss-163	231	11	of	of	ADP
esutjss-163	231	12	automation	automation	NOUN
esutjss-163	231	13	in	in	ADP
esutjss-163	231	14	operating	operate	VERB
esutjss-163	231	15	their	their	PRON
esutjss-163	231	16	businesses	business	NOUN
esutjss-163	231	17	,	,	PUNCT
esutjss-163	231	18	this	this	DET
esutjss-163	231	19	epidemic	epidemic	NOUN
esutjss-163	231	20	has	have	AUX
esutjss-163	231	21	caused	cause	VERB
esutjss-163	231	22	a	a	DET
esutjss-163	231	23	rising	rise	VERB
esutjss-163	231	24	number	number	NOUN
esutjss-163	231	25	of	of	ADP
esutjss-163	231	26	enterprises	enterprise	NOUN
esutjss-163	231	27	to	to	PART
esutjss-163	231	28	adjust	adjust	VERB
esutjss-163	231	29	their	their	PRON
esutjss-163	231	30	outlook	outlook	NOUN
esutjss-163	231	31	and	and	CCONJ
esutjss-163	231	32	understand	understand	VERB
esutjss-163	231	33	the	the	DET
esutjss-163	231	34	power	power	NOUN
esutjss-163	231	35	that	that	SCONJ
esutjss-163	231	36	this	this	DET
esutjss-163	231	37	technology	technology	NOUN
esutjss-163	231	38	can	can	AUX
esutjss-163	231	39	contribute	contribute	VERB
esutjss-163	231	40	to	to	ADP
esutjss-163	231	41	them	they	PRON
esutjss-163	231	42	.	.	PUNCT
esutjss-163	232	1	this	this	DET
esutjss-163	232	2	tendency	tendency	NOUN
esutjss-163	232	3	has	have	AUX
esutjss-163	232	4	grown	grow	VERB
esutjss-163	232	5	especially	especially	ADV
esutjss-163	232	6	widespread	widespread	ADJ
esutjss-163	232	7	in	in	ADP
esutjss-163	232	8	industrial	industrial	ADJ
esutjss-163	232	9	organizations	organization	NOUN
esutjss-163	232	10	,	,	PUNCT
esutjss-163	232	11	since	since	SCONJ
esutjss-163	232	12	the	the	DET
esutjss-163	232	13	benefits	benefit	NOUN
esutjss-163	232	14	of	of	ADP
esutjss-163	232	15	automation	automation	NOUN
esutjss-163	232	16	in	in	ADP
esutjss-163	232	17	terms	term	NOUN
esutjss-163	232	18	of	of	ADP
esutjss-163	232	19	decreasing	decrease	VERB
esutjss-163	232	20	the	the	DET
esutjss-163	232	21	number	number	NOUN
esutjss-163	232	22	of	of	ADP
esutjss-163	232	23	humans	human	NOUN
esutjss-163	232	24	working	work	VERB
esutjss-163	232	25	in	in	ADP
esutjss-163	232	26	close	close	ADJ
esutjss-163	232	27	quarters	quarter	NOUN
esutjss-163	232	28	while	while	SCONJ
esutjss-163	232	29	simultaneously	simultaneously	ADV
esutjss-163	232	30	reducing	reduce	VERB
esutjss-163	232	31	the	the	DET
esutjss-163	232	32	number	number	NOUN
esutjss-163	232	33	of	of	ADP
esutjss-163	232	34	people	people	NOUN
esutjss-163	232	35	required	require	VERB
esutjss-163	232	36	to	to	PART
esutjss-163	232	37	make	make	VERB
esutjss-163	232	38	a	a	DET
esutjss-163	232	39	certain	certain	ADJ
esutjss-163	232	40	product	product	NOUN
esutjss-163	232	41	have	have	AUX
esutjss-163	232	42	been	be	AUX
esutjss-163	232	43	enormous	enormous	ADJ
esutjss-163	232	44	.	.	PUNCT
esutjss-163	233	1	before	before	ADP
esutjss-163	233	2	the	the	DET
esutjss-163	233	3	pandemic	pandemic	ADJ
esutjss-163	233	4	,	,	PUNCT
esutjss-163	233	5	many	many	ADJ
esutjss-163	233	6	businesses	business	NOUN
esutjss-163	233	7	saw	see	VERB
esutjss-163	233	8	technology	technology	NOUN
esutjss-163	233	9	as	as	ADP
esutjss-163	233	10	a	a	DET
esutjss-163	233	11	way	way	NOUN
esutjss-163	233	12	to	to	PART
esutjss-163	233	13	save	save	VERB
esutjss-163	233	14	money	money	NOUN
esutjss-163	233	15	and	and	CCONJ
esutjss-163	233	16	eliminate	eliminate	VERB
esutjss-163	233	17	waste	waste	NOUN
esutjss-163	233	18	.	.	PUNCT
esutjss-163	234	1	since	since	SCONJ
esutjss-163	234	2	accounts	account	NOUN
esutjss-163	234	3	can	can	AUX
esutjss-163	234	4	be	be	AUX
esutjss-163	234	5	computed	compute	VERB
esutjss-163	234	6	in	in	ADP
esutjss-163	234	7	minutes	minute	NOUN
esutjss-163	234	8	,	,	PUNCT
esutjss-163	234	9	data	datum	NOUN
esutjss-163	234	10	can	can	AUX
esutjss-163	234	11	be	be	AUX
esutjss-163	234	12	examined	examine	VERB
esutjss-163	234	13	,	,	PUNCT
esutjss-163	234	14	and	and	CCONJ
esutjss-163	234	15	emails	email	NOUN
esutjss-163	234	16	can	can	AUX
esutjss-163	234	17	be	be	AUX
esutjss-163	234	18	automatically	automatically	ADV
esutjss-163	234	19	sent	send	VERB
esutjss-163	234	20	when	when	SCONJ
esutjss-163	234	21	triggered	trigger	VERB
esutjss-163	234	22	,	,	PUNCT
esutjss-163	234	23	for	for	ADP
esutjss-163	234	24	example	example	NOUN
esutjss-163	234	25	,	,	PUNCT
esutjss-163	234	26	accounting	accounting	NOUN
esutjss-163	234	27	teams	team	NOUN
esutjss-163	234	28	,	,	PUNCT
esutjss-163	234	29	sales	sale	NOUN
esutjss-163	234	30	teams	team	NOUN
esutjss-163	234	31	,	,	PUNCT
esutjss-163	234	32	and	and	CCONJ
esutjss-163	234	33	marketing	marketing	NOUN
esutjss-163	234	34	teams	team	NOUN
esutjss-163	234	35	may	may	AUX
esutjss-163	234	36	focus	focus	VERB
esutjss-163	234	37	on	on	ADP
esutjss-163	234	38	other	other	ADJ
esutjss-163	234	39	activities	activity	NOUN
esutjss-163	234	40	that	that	PRON
esutjss-163	234	41	automation	automation	NOUN
esutjss-163	234	42	and	and	CCONJ
esutjss-163	234	43	technology	technology	NOUN
esutjss-163	234	44	can	can	AUX
esutjss-163	234	45	not	not	PART
esutjss-163	234	46	handle	handle	VERB
esutjss-163	234	47	.	.	PUNCT
esutjss-163	235	1	digital	digital	ADJ
esutjss-163	235	2	accounting	accounting	NOUN
esutjss-163	235	3	software	software	NOUN
esutjss-163	235	4	also	also	ADV
esutjss-163	235	5	provides	provide	VERB
esutjss-163	235	6	organizations	organization	NOUN
esutjss-163	235	7	with	with	ADP
esutjss-163	235	8	fantastic	fantastic	ADJ
esutjss-163	235	9	solutions	solution	NOUN
esutjss-163	235	10	and	and	CCONJ
esutjss-163	235	11	the	the	DET
esutjss-163	235	12	opportunity	opportunity	NOUN
esutjss-163	235	13	to	to	PART
esutjss-163	235	14	develop	develop	VERB
esutjss-163	235	15	and	and	CCONJ
esutjss-163	235	16	get	get	VERB
esutjss-163	235	17	to	to	ADP
esutjss-163	235	18	the	the	DET
esutjss-163	235	19	forefront	forefront	NOUN
esutjss-163	235	20	of	of	ADP
esutjss-163	235	21	their	their	PRON
esutjss-163	235	22	market	market	NOUN
esutjss-163	235	23	through	through	ADP
esutjss-163	235	24	timely	timely	ADJ
esutjss-163	235	25	account	account	NOUN
esutjss-163	235	26	preparations	preparation	NOUN
esutjss-163	235	27	for	for	ADP
esutjss-163	235	28	various	various	ADJ
esutjss-163	235	29	stakeholders	stakeholder	NOUN
esutjss-163	235	30	.	.	PUNCT
esutjss-163	236	1	prior	prior	ADV
esutjss-163	236	2	to	to	ADP
esutjss-163	236	3	the	the	DET
esutjss-163	236	4	120	120	NUM
esutjss-163	236	5	pandemic	pandemic	ADJ
esutjss-163	236	6	,	,	PUNCT
esutjss-163	236	7	one	one	NUM
esutjss-163	236	8	of	of	ADP
esutjss-163	236	9	the	the	DET
esutjss-163	236	10	top	top	ADJ
esutjss-163	236	11	three	three	NUM
esutjss-163	236	12	digital	digital	ADJ
esutjss-163	236	13	aspirations	aspiration	NOUN
esutjss-163	236	14	for	for	ADP
esutjss-163	236	15	organizations	organization	NOUN
esutjss-163	236	16	was	be	AUX
esutjss-163	236	17	to	to	PART
esutjss-163	236	18	use	use	VERB
esutjss-163	236	19	technology	technology	NOUN
esutjss-163	236	20	to	to	PART
esutjss-163	236	21	cut	cut	VERB
esutjss-163	236	22	expenses	expense	NOUN
esutjss-163	236	23	.	.	PUNCT
esutjss-163	237	1	nevertheless	nevertheless	ADV
esutjss-163	237	2	,	,	PUNCT
esutjss-163	237	3	as	as	SCONJ
esutjss-163	237	4	the	the	DET
esutjss-163	237	5	epidemic	epidemic	NOUN
esutjss-163	237	6	expanded	expand	VERB
esutjss-163	237	7	and	and	CCONJ
esutjss-163	237	8	businesses	business	NOUN
esutjss-163	237	9	began	begin	VERB
esutjss-163	237	10	to	to	PART
esutjss-163	237	11	realize	realize	VERB
esutjss-163	237	12	the	the	DET
esutjss-163	237	13	numerous	numerous	ADJ
esutjss-163	237	14	benefits	benefit	NOUN
esutjss-163	237	15	of	of	ADP
esutjss-163	237	16	technology	technology	NOUN
esutjss-163	237	17	,	,	PUNCT
esutjss-163	237	18	just	just	ADV
esutjss-163	237	19	10	10	NUM
esutjss-163	237	20	%	%	NOUN
esutjss-163	237	21	indicated	indicate	VERB
esutjss-163	237	22	this	this	PRON
esutjss-163	237	23	as	as	ADP
esutjss-163	237	24	a	a	DET
esutjss-163	237	25	primary	primary	ADJ
esutjss-163	237	26	cause	cause	NOUN
esutjss-163	237	27	for	for	ADP
esutjss-163	237	28	the	the	DET
esutjss-163	237	29	shutdowns	shutdown	NOUN
esutjss-163	237	30	after	after	SCONJ
esutjss-163	237	31	they	they	PRON
esutjss-163	237	32	began	begin	VERB
esutjss-163	237	33	.	.	PUNCT
esutjss-163	238	1	instead	instead	ADV
esutjss-163	238	2	,	,	PUNCT
esutjss-163	238	3	more	more	ADJ
esutjss-163	238	4	organizations	organization	NOUN
esutjss-163	238	5	said	say	VERB
esutjss-163	238	6	that	that	SCONJ
esutjss-163	238	7	upgrading	upgrade	VERB
esutjss-163	238	8	their	their	PRON
esutjss-163	238	9	accounting	accounting	NOUN
esutjss-163	238	10	capabilities	capability	NOUN
esutjss-163	238	11	led	lead	VERB
esutjss-163	238	12	to	to	ADP
esutjss-163	238	13	acquiring	acquire	VERB
esutjss-163	238	14	an	an	DET
esutjss-163	238	15	accounting	accounting	NOUN
esutjss-163	238	16	reporting	reporting	NOUN
esutjss-163	238	17	edge	edge	NOUN
esutjss-163	238	18	and	and	CCONJ
esutjss-163	238	19	that	that	SCONJ
esutjss-163	238	20	developing	develop	VERB
esutjss-163	238	21	a	a	DET
esutjss-163	238	22	corporate	corporate	ADJ
esutjss-163	238	23	culture	culture	NOUN
esutjss-163	238	24	centred	centre	VERB
esutjss-163	238	25	on	on	ADP
esutjss-163	238	26	digital	digital	ADJ
esutjss-163	238	27	technology	technology	NOUN
esutjss-163	238	28	outweighed	outweigh	VERB
esutjss-163	238	29	concerns	concern	NOUN
esutjss-163	238	30	regarding	regard	VERB
esutjss-163	238	31	cost	cost	NOUN
esutjss-163	238	32	and	and	CCONJ
esutjss-163	238	33	time	time	NOUN
esutjss-163	238	34	savings	saving	NOUN
esutjss-163	238	35	.	.	PUNCT
esutjss-163	239	1	when	when	SCONJ
esutjss-163	239	2	digital	digital	ADJ
esutjss-163	239	3	accounting	accounting	NOUN
esutjss-163	239	4	technology	technology	NOUN
esutjss-163	239	5	is	be	AUX
esutjss-163	239	6	implemented	implement	VERB
esutjss-163	239	7	correctly	correctly	ADV
esutjss-163	239	8	,	,	PUNCT
esutjss-163	239	9	it	it	PRON
esutjss-163	239	10	provides	provide	VERB
esutjss-163	239	11	significant	significant	ADJ
esutjss-163	239	12	opportunity	opportunity	NOUN
esutjss-163	239	13	for	for	SCONJ
esutjss-163	239	14	companies	company	NOUN
esutjss-163	239	15	to	to	PART
esutjss-163	239	16	innovate	innovate	VERB
esutjss-163	239	17	and	and	CCONJ
esutjss-163	239	18	evolve	evolve	VERB
esutjss-163	239	19	in	in	ADP
esutjss-163	239	20	their	their	PRON
esutjss-163	239	21	capacity	capacity	NOUN
esutjss-163	239	22	to	to	PART
esutjss-163	239	23	engage	engage	VERB
esutjss-163	239	24	stakeholders	stakeholder	NOUN
esutjss-163	239	25	,	,	PUNCT
esutjss-163	239	26	meet	meet	VERB
esutjss-163	239	27	their	their	PRON
esutjss-163	239	28	demands	demand	NOUN
esutjss-163	239	29	,	,	PUNCT
esutjss-163	239	30	and	and	CCONJ
esutjss-163	239	31	go	go	VERB
esutjss-163	239	32	ahead	ahead	ADV
esutjss-163	239	33	in	in	ADP
esutjss-163	239	34	a	a	DET
esutjss-163	239	35	new	new	ADJ
esutjss-163	239	36	way	way	NOUN
esutjss-163	239	37	.	.	PUNCT
esutjss-163	240	1	organizations	organization	NOUN
esutjss-163	240	2	have	have	AUX
esutjss-163	240	3	begun	begin	VERB
esutjss-163	240	4	to	to	PART
esutjss-163	240	5	comprehend	comprehend	VERB
esutjss-163	240	6	and	and	CCONJ
esutjss-163	240	7	adopt	adopt	VERB
esutjss-163	240	8	this	this	DET
esutjss-163	240	9	approach	approach	NOUN
esutjss-163	240	10	as	as	SCONJ
esutjss-163	240	11	they	they	PRON
esutjss-163	240	12	have	have	AUX
esutjss-163	240	13	begun	begin	VERB
esutjss-163	240	14	to	to	PART
esutjss-163	240	15	embrace	embrace	VERB
esutjss-163	240	16	the	the	DET
esutjss-163	240	17	potential	potential	NOUN
esutjss-163	240	18	given	give	VERB
esutjss-163	240	19	by	by	ADP
esutjss-163	240	20	this	this	DET
esutjss-163	240	21	technology	technology	NOUN
esutjss-163	240	22	.	.	PUNCT
esutjss-163	241	1	recommendations	recommendation	NOUN
esutjss-163	241	2	based	base	VERB
esutjss-163	241	3	on	on	ADP
esutjss-163	241	4	the	the	DET
esutjss-163	241	5	findings	finding	NOUN
esutjss-163	241	6	of	of	ADP
esutjss-163	241	7	the	the	DET
esutjss-163	241	8	study	study	NOUN
esutjss-163	241	9	and	and	CCONJ
esutjss-163	241	10	the	the	DET
esutjss-163	241	11	conclusions	conclusion	NOUN
esutjss-163	241	12	made	make	VERB
esutjss-163	241	13	,	,	PUNCT
esutjss-163	241	14	the	the	DET
esutjss-163	241	15	following	follow	VERB
esutjss-163	241	16	recommendations	recommendation	NOUN
esutjss-163	241	17	were	be	AUX
esutjss-163	241	18	made	make	VERB
esutjss-163	241	19	:	:	PUNCT
esutjss-163	241	20	1	1	X
esutjss-163	241	21	.	.	X
esutjss-163	241	22	nigerian	nigerian	ADJ
esutjss-163	241	23	insurance	insurance	NOUN
esutjss-163	241	24	companies	company	NOUN
esutjss-163	241	25	should	should	AUX
esutjss-163	241	26	invest	invest	VERB
esutjss-163	241	27	in	in	ADP
esutjss-163	241	28	new	new	ADJ
esutjss-163	241	29	generation	generation	NOUN
esutjss-163	241	30	technology	technology	NOUN
esutjss-163	241	31	and	and	CCONJ
esutjss-163	241	32	digital	digital	ADJ
esutjss-163	241	33	accounting	accounting	NOUN
esutjss-163	241	34	tools	tool	NOUN
esutjss-163	241	35	to	to	PART
esutjss-163	241	36	enhance	enhance	VERB
esutjss-163	241	37	their	their	PRON
esutjss-163	241	38	financial	financial	ADJ
esutjss-163	241	39	reporting	reporting	NOUN
esutjss-163	241	40	systems	system	NOUN
esutjss-163	241	41	and	and	CCONJ
esutjss-163	241	42	improve	improve	VERB
esutjss-163	241	43	their	their	PRON
esutjss-163	241	44	operational	operational	ADJ
esutjss-163	241	45	efficiency	efficiency	NOUN
esutjss-163	241	46	.	.	PUNCT
esutjss-163	242	1	2	2	X
esutjss-163	242	2	.	.	X
esutjss-163	242	3	insurance	insurance	NOUN
esutjss-163	242	4	companies	company	NOUN
esutjss-163	242	5	should	should	AUX
esutjss-163	242	6	consider	consider	VERB
esutjss-163	242	7	implementing	implement	VERB
esutjss-163	242	8	cloud	cloud	NOUN
esutjss-163	242	9	-	-	PUNCT
esutjss-163	242	10	based	base	VERB
esutjss-163	242	11	accounting	accounting	NOUN
esutjss-163	242	12	systems	system	NOUN
esutjss-163	242	13	,	,	PUNCT
esutjss-163	242	14	which	which	PRON
esutjss-163	242	15	can	can	AUX
esutjss-163	242	16	offer	offer	VERB
esutjss-163	242	17	benefits	benefit	NOUN
esutjss-163	242	18	such	such	ADJ
esutjss-163	242	19	as	as	ADP
esutjss-163	242	20	real	real	ADJ
esutjss-163	242	21	-	-	PUNCT
esutjss-163	242	22	time	time	NOUN
esutjss-163	242	23	data	datum	NOUN
esutjss-163	242	24	access	access	NOUN
esutjss-163	242	25	,	,	PUNCT
esutjss-163	242	26	enhanced	enhance	VERB
esutjss-163	242	27	data	datum	NOUN
esutjss-163	242	28	security	security	NOUN
esutjss-163	242	29	,	,	PUNCT
esutjss-163	242	30	and	and	CCONJ
esutjss-163	242	31	reduced	reduced	ADJ
esutjss-163	242	32	costs	cost	NOUN
esutjss-163	242	33	.	.	PUNCT
esutjss-163	243	1	3	3	X
esutjss-163	243	2	.	.	X
esutjss-163	243	3	there	there	PRON
esutjss-163	243	4	should	should	AUX
esutjss-163	243	5	be	be	AUX
esutjss-163	243	6	a	a	DET
esutjss-163	243	7	focus	focus	NOUN
esutjss-163	243	8	on	on	ADP
esutjss-163	243	9	training	training	NOUN
esutjss-163	243	10	and	and	CCONJ
esutjss-163	243	11	up	up	ADP
esutjss-163	243	12	skilling	skille	VERB
esutjss-163	243	13	the	the	DET
esutjss-163	243	14	workforce	workforce	NOUN
esutjss-163	243	15	to	to	PART
esutjss-163	243	16	use	use	VERB
esutjss-163	243	17	these	these	DET
esutjss-163	243	18	new	new	ADJ
esutjss-163	243	19	technologies	technology	NOUN
esutjss-163	243	20	effectively	effectively	ADV
esutjss-163	243	21	.	.	PUNCT
esutjss-163	244	1	training	training	NOUN
esutjss-163	244	2	programs	program	NOUN
esutjss-163	244	3	should	should	AUX
esutjss-163	244	4	be	be	AUX
esutjss-163	244	5	designed	design	VERB
esutjss-163	244	6	to	to	PART
esutjss-163	244	7	ensure	ensure	VERB
esutjss-163	244	8	that	that	SCONJ
esutjss-163	244	9	all	all	DET
esutjss-163	244	10	staff	staff	NOUN
esutjss-163	244	11	members	member	NOUN
esutjss-163	244	12	understand	understand	VERB
esutjss-163	244	13	how	how	SCONJ
esutjss-163	244	14	to	to	PART
esutjss-163	244	15	use	use	VERB
esutjss-163	244	16	the	the	DET
esutjss-163	244	17	new	new	ADJ
esutjss-163	244	18	systems	system	NOUN
esutjss-163	244	19	.	.	PUNCT
esutjss-163	245	1	4	4	X
esutjss-163	245	2	.	.	X
esutjss-163	245	3	insurance	insurance	NOUN
esutjss-163	245	4	companies	company	NOUN
esutjss-163	245	5	should	should	AUX
esutjss-163	245	6	collaborate	collaborate	VERB
esutjss-163	245	7	with	with	ADP
esutjss-163	245	8	technology	technology	NOUN
esutjss-163	245	9	firms	firm	NOUN
esutjss-163	245	10	and	and	CCONJ
esutjss-163	245	11	industry	industry	NOUN
esutjss-163	245	12	experts	expert	NOUN
esutjss-163	245	13	to	to	PART
esutjss-163	245	14	identify	identify	VERB
esutjss-163	245	15	the	the	DET
esutjss-163	245	16	best	good	ADJ
esutjss-163	245	17	digital	digital	ADJ
esutjss-163	245	18	solutions	solution	NOUN
esutjss-163	245	19	that	that	PRON
esutjss-163	245	20	can	can	AUX
esutjss-163	245	21	help	help	VERB
esutjss-163	245	22	them	they	PRON
esutjss-163	245	23	achieve	achieve	VERB
esutjss-163	245	24	their	their	PRON
esutjss-163	245	25	digital	digital	ADJ
esutjss-163	245	26	transformation	transformation	NOUN
esutjss-163	245	27	goals	goal	NOUN
esutjss-163	245	28	.	.	PUNCT
esutjss-163	246	1	5	5	X
esutjss-163	246	2	.	.	X
esutjss-163	246	3	regulatory	regulatory	ADJ
esutjss-163	246	4	bodies	body	NOUN
esutjss-163	246	5	and	and	CCONJ
esutjss-163	246	6	policymakers	policymaker	NOUN
esutjss-163	246	7	should	should	AUX
esutjss-163	246	8	support	support	VERB
esutjss-163	246	9	the	the	DET
esutjss-163	246	10	adoption	adoption	NOUN
esutjss-163	246	11	of	of	ADP
esutjss-163	246	12	new	new	ADJ
esutjss-163	246	13	technologies	technology	NOUN
esutjss-163	246	14	in	in	ADP
esutjss-163	246	15	the	the	DET
esutjss-163	246	16	insurance	insurance	NOUN
esutjss-163	246	17	industry	industry	NOUN
esutjss-163	246	18	by	by	ADP
esutjss-163	246	19	providing	provide	VERB
esutjss-163	246	20	incentives	incentive	NOUN
esutjss-163	246	21	for	for	ADP
esutjss-163	246	22	companies	company	NOUN
esutjss-163	246	23	that	that	PRON
esutjss-163	246	24	invest	invest	VERB
esutjss-163	246	25	in	in	ADP
esutjss-163	246	26	digital	digital	ADJ
esutjss-163	246	27	transformation	transformation	NOUN
esutjss-163	246	28	.	.	PUNCT
esutjss-163	247	1	6	6	X
esutjss-163	247	2	.	.	X
esutjss-163	247	3	insurance	insurance	NOUN
esutjss-163	247	4	companies	company	NOUN
esutjss-163	247	5	should	should	AUX
esutjss-163	247	6	endeavour	endeavour	VERB
esutjss-163	247	7	to	to	PART
esutjss-163	247	8	create	create	VERB
esutjss-163	247	9	a	a	DET
esutjss-163	247	10	solid	solid	ADJ
esutjss-163	247	11	digital	digital	ADJ
esutjss-163	247	12	team	team	NOUN
esutjss-163	247	13	that	that	PRON
esutjss-163	247	14	will	will	AUX
esutjss-163	247	15	be	be	AUX
esutjss-163	247	16	responsible	responsible	ADJ
esutjss-163	247	17	for	for	ADP
esutjss-163	247	18	setting	set	VERB
esutjss-163	247	19	and	and	CCONJ
esutjss-163	247	20	managing	manage	VERB
esutjss-163	247	21	digital	digital	ADJ
esutjss-163	247	22	technologies	technology	NOUN
esutjss-163	247	23	and	and	CCONJ
esutjss-163	247	24	providing	provide	VERB
esutjss-163	247	25	oversight	oversight	NOUN
esutjss-163	247	26	to	to	PART
esutjss-163	247	27	support	support	VERB
esutjss-163	247	28	quality	quality	NOUN
esutjss-163	247	29	assurance	assurance	NOUN
esutjss-163	247	30	and	and	CCONJ
esutjss-163	247	31	critical	critical	ADJ
esutjss-163	247	32	digital	digital	ADJ
esutjss-163	247	33	decision	decision	NOUN
esutjss-163	247	34	making	making	NOUN
esutjss-163	247	35	.	.	PUNCT
esutjss-163	248	1	7	7	X
esutjss-163	248	2	.	.	X
esutjss-163	248	3	endeavour	endeavour	VERB
esutjss-163	248	4	to	to	PART
esutjss-163	248	5	align	align	VERB
esutjss-163	248	6	the	the	DET
esutjss-163	248	7	leadership	leadership	NOUN
esutjss-163	248	8	and	and	CCONJ
esutjss-163	248	9	executive	executive	ADJ
esutjss-163	248	10	teams	team	NOUN
esutjss-163	248	11	in	in	ADP
esutjss-163	248	12	charge	charge	NOUN
esutjss-163	248	13	of	of	ADP
esutjss-163	248	14	digitalization	digitalization	NOUN
esutjss-163	248	15	with	with	ADP
esutjss-163	248	16	organizational	organizational	ADJ
esutjss-163	248	17	objectives	objective	NOUN
esutjss-163	248	18	to	to	PART
esutjss-163	248	19	avoid	avoid	VERB
esutjss-163	248	20	misfire	misfire	NOUN
esutjss-163	248	21	of	of	ADP
esutjss-163	248	22	corporate	corporate	ADJ
esutjss-163	248	23	objectives	objective	NOUN
esutjss-163	248	24	.	.	PUNCT
esutjss-163	249	1	121	121	NUM
esutjss-163	249	2	references	reference	NOUN
esutjss-163	249	3	aggarwal	aggarwal	NOUN
esutjss-163	249	4	,	,	PUNCT
esutjss-163	249	5	p.	p.	NOUN
esutjss-163	249	6	(	(	PUNCT
esutjss-163	249	7	2013	2013	NUM
esutjss-163	249	8	)	)	PUNCT
esutjss-163	249	9	.	.	PUNCT
esutjss-163	250	1	impact	impact	NOUN
esutjss-163	250	2	of	of	ADP
esutjss-163	250	3	sustainability	sustainability	NOUN
esutjss-163	250	4	performance	performance	NOUN
esutjss-163	250	5	of	of	ADP
esutjss-163	250	6	company	company	NOUN
esutjss-163	250	7	on	on	ADP
esutjss-163	250	8	its	its	PRON
esutjss-163	250	9	financial	financial	ADJ
esutjss-163	250	10	performance	performance	NOUN
esutjss-163	250	11	:	:	PUNCT
esutjss-163	250	12	a	a	DET
esutjss-163	250	13	study	study	NOUN
esutjss-163	250	14	of	of	ADP
esutjss-163	250	15	listed	list	VERB
esutjss-163	250	16	indian	indian	ADJ
esutjss-163	250	17	companies	company	NOUN
esutjss-163	250	18	.	.	PUNCT
esutjss-163	251	1	global	global	ADJ
esutjss-163	251	2	journal	journal	PROPN
esutjss-163	251	3	of	of	ADP
esutjss-163	251	4	management	management	NOUN
esutjss-163	251	5	and	and	CCONJ
esutjss-163	251	6	business	business	NOUN
esutjss-163	251	7	research	research	NOUN
esutjss-163	251	8	,	,	PUNCT
esutjss-163	251	9	13(11	13(11	NUM
esutjss-163	251	10	)	)	PUNCT
esutjss-163	251	11	,	,	PUNCT
esutjss-163	251	12	60	60	NUM
esutjss-163	251	13	-	-	SYM
esutjss-163	251	14	70	70	NUM
esutjss-163	251	15	ajemunigbohun	ajemunigbohun	PROPN
esutjss-163	251	16	,	,	PUNCT
esutjss-163	251	17	s.s	s.s	PROPN
esutjss-163	251	18	.	.	PROPN
esutjss-163	251	19	,	,	PUNCT
esutjss-163	251	20	oreshile	oreshile	NOUN
esutjss-163	251	21	,	,	PUNCT
esutjss-163	251	22	s.a	s.a	PROPN
esutjss-163	251	23	.	.	PROPN
esutjss-163	251	24	,	,	PUNCT
esutjss-163	251	25	&	&	CCONJ
esutjss-163	251	26	alli	alli	PROPN
esutjss-163	251	27	,	,	PUNCT
esutjss-163	251	28	n.g	n.g	X
esutjss-163	251	29	(	(	PUNCT
esutjss-163	251	30	2018	2018	NUM
esutjss-163	251	31	)	)	PUNCT
esutjss-163	251	32	.	.	PUNCT
esutjss-163	252	1	internal	internal	ADJ
esutjss-163	252	2	marketing	marketing	NOUN
esutjss-163	252	3	,	,	PUNCT
esutjss-163	252	4	sales	sale	NOUN
esutjss-163	252	5	performane	performane	NOUN
esutjss-163	252	6	and	and	CCONJ
esutjss-163	252	7	service	service	NOUN
esutjss-163	252	8	delivery	delivery	NOUN
esutjss-163	252	9	:	:	PUNCT
esutjss-163	252	10	empirical	empirical	ADJ
esutjss-163	252	11	evidence	evidence	NOUN
esutjss-163	252	12	from	from	ADP
esutjss-163	252	13	the	the	DET
esutjss-163	252	14	nigerian	nigerian	ADJ
esutjss-163	252	15	insurance	insurance	NOUN
esutjss-163	252	16	industry	industry	NOUN
esutjss-163	252	17	.	.	PUNCT
esutjss-163	253	1	annals	annal	NOUN
esutjss-163	253	2	of	of	ADP
esutjss-163	253	3	the	the	DET
esutjss-163	253	4	university	university	PROPN
esutjss-163	253	5	of	of	ADP
esutjss-163	253	6	craiova	craiova	PROPN
esutjss-163	253	7	,	,	PUNCT
esutjss-163	253	8	economics	economics	PROPN
esutjss-163	253	9	science	science	PROPN
esutjss-163	253	10	series	series	PROPN
esutjss-163	253	11	,	,	PUNCT
esutjss-163	253	12	1(46	1(46	NUM
esutjss-163	253	13	)	)	PUNCT
esutjss-163	253	14	,	,	PUNCT
esutjss-163	253	15	146	146	NUM
esutjss-163	253	16	.	.	PUNCT
esutjss-163	254	1	alli	alli	PROPN
esutjss-163	254	2	,	,	PUNCT
esutjss-163	254	3	n.g	n.g	PROPN
esutjss-163	254	4	.	.	PROPN
esutjss-163	254	5	,	,	PUNCT
esutjss-163	254	6	aina	aina	PROPN
esutjss-163	254	7	,	,	PUNCT
esutjss-163	254	8	j.	j.	PROPN
esutjss-163	254	9	&	&	CCONJ
esutjss-163	254	10	ganiyu	ganiyu	PROPN
esutjss-163	254	11	,	,	PUNCT
esutjss-163	254	12	k	k	X
esutjss-163	254	13	(	(	PUNCT
esutjss-163	254	14	2021	2021	NUM
esutjss-163	254	15	)	)	PUNCT
esutjss-163	254	16	.	.	PUNCT
esutjss-163	255	1	knowledge	knowledge	NOUN
esutjss-163	255	2	,	,	PUNCT
esutjss-163	255	3	attitude	attitude	NOUN
esutjss-163	255	4	and	and	CCONJ
esutjss-163	255	5	perception	perception	NOUN
esutjss-163	255	6	of	of	ADP
esutjss-163	255	7	artificial	artificial	ADJ
esutjss-163	255	8	intelligence	intelligence	NOUN
esutjss-163	255	9	and	and	CCONJ
esutjss-163	255	10	its	its	PRON
esutjss-163	255	11	application	application	NOUN
esutjss-163	255	12	in	in	ADP
esutjss-163	255	13	the	the	DET
esutjss-163	255	14	key	key	ADJ
esutjss-163	255	15	operations	operation	NOUN
esutjss-163	255	16	of	of	ADP
esutjss-163	255	17	insurance	insurance	NOUN
esutjss-163	255	18	in	in	ADP
esutjss-163	255	19	nigeria	nigeria	PROPN
esutjss-163	255	20	,	,	PUNCT
esutjss-163	255	21	nigeria	nigeria	PROPN
esutjss-163	255	22	journal	journal	PROPN
esutjss-163	255	23	of	of	ADP
esutjss-163	255	24	risk	risk	NOUN
esutjss-163	255	25	and	and	CCONJ
esutjss-163	255	26	insurance	insurance	NOUN
esutjss-163	255	27	,	,	PUNCT
esutjss-163	255	28	11(1	11(1	NUM
esutjss-163	255	29	)	)	PUNCT
esutjss-163	255	30	.	.	PUNCT
esutjss-163	256	1	retrieved	retrieve	VERB
esutjss-163	256	2	from	from	ADP
esutjss-163	256	3	https://www.njri.unilag.edu.ng/article/view/1387/1064	https://www.njri.unilag.edu.ng/article/view/1387/1064	PROPN
esutjss-163	256	4	alli	alli	PROPN
esutjss-163	256	5	,	,	PUNCT
esutjss-163	256	6	n.g	n.g	PROPN
esutjss-163	256	7	.	.	PROPN
esutjss-163	256	8	,	,	PUNCT
esutjss-163	256	9	ganiyu	ganiyu	NOUN
esutjss-163	256	10	,	,	PUNCT
esutjss-163	256	11	k	k	PROPN
esutjss-163	256	12	&	&	CCONJ
esutjss-163	256	13	aina	aina	PROPN
esutjss-163	256	14	,	,	PUNCT
esutjss-163	256	15	j.	j.	PROPN
esutjss-163	256	16	(	(	PUNCT
esutjss-163	256	17	2020	2020	NUM
esutjss-163	256	18	)	)	PUNCT
esutjss-163	256	19	.	.	PUNCT
esutjss-163	257	1	place	place	NOUN
esutjss-163	257	2	of	of	ADP
esutjss-163	257	3	nigerian	nigerian	ADJ
esutjss-163	257	4	insurance	insurance	NOUN
esutjss-163	257	5	industry	industry	NOUN
esutjss-163	257	6	in	in	ADP
esutjss-163	257	7	cryptocurrency	cryptocurrency	NOUN
esutjss-163	257	8	insurance	insurance	NOUN
esutjss-163	257	9	as	as	ADP
esutjss-163	257	10	an	an	DET
esutjss-163	257	11	emerging	emerge	VERB
esutjss-163	257	12	market	market	NOUN
esutjss-163	257	13	.	.	PUNCT
esutjss-163	258	1	esut	esut	PROPN
esutjss-163	258	2	journal	journal	PROPN
esutjss-163	258	3	of	of	ADP
esutjss-163	258	4	social	social	ADJ
esutjss-163	258	5	sciences	science	NOUN
esutjss-163	258	6	,	,	PUNCT
esutjss-163	258	7	5(3	5(3	NUM
esutjss-163	258	8	)	)	PUNCT
esutjss-163	258	9	.	.	PUNCT
esutjss-163	259	1	retrieved	retrieve	VERB
esutjss-163	259	2	from	from	ADP
esutjss-163	259	3	https://www.esutjss.com/index.php/esutjss/article/view/53	https://www.esutjss.com/index.php/esutjss/article/view/53	PROPN
esutjss-163	259	4	bayerischemotorenwerke	bayerischemotorenwerke	NOUN
esutjss-163	259	5	(	(	PUNCT
esutjss-163	259	6	2015	2015	NUM
esutjss-163	259	7	)	)	PUNCT
esutjss-163	259	8	.	.	PUNCT
esutjss-163	260	1	industrie	industrie	NOUN
esutjss-163	260	2	4.0	4.0	NUM
esutjss-163	260	3	und	und	NOUN
esutjss-163	260	4	digitale	digitale	PROPN
esutjss-163	260	5	wirtschaft	wirtschaft	PROPN
esutjss-163	260	6	—	—	PUNCT
esutjss-163	260	7	impulse	impulse	ADJ
esutjss-163	260	8	fürwachstum	fürwachstum	NOUN
esutjss-163	260	9	,	,	PUNCT
esutjss-163	260	10	beschäftigung	beschäftigung	PROPN
esutjss-163	260	11	und	und	NOUN
esutjss-163	260	12	innovation	innovation	NOUN
esutjss-163	260	13	,	,	PUNCT
esutjss-163	260	14	berlin	berlin	PROPN
esutjss-163	260	15	:	:	PUNCT
esutjss-163	260	16	bundesministeriumfürwirtschaft	bundesministeriumfürwirtschaft	NOUN
esutjss-163	260	17	und	und	PROPN
esutjss-163	260	18	energie	energie	PROPN
esutjss-163	260	19	.	.	PUNCT
esutjss-163	261	1	boueé	boueé	ADJ
esutjss-163	261	2	,	,	PUNCT
esutjss-163	261	3	c	c	PROPN
esutjss-163	261	4	and	and	CCONJ
esutjss-163	261	5	s	s	VERB
esutjss-163	261	6	schaible	schaible	ADJ
esutjss-163	261	7	(	(	PUNCT
esutjss-163	261	8	2015	2015	NUM
esutjss-163	261	9	)	)	PUNCT
esutjss-163	261	10	.	.	PUNCT
esutjss-163	262	1	die	die	VERB
esutjss-163	262	2	digitale	digitale	PROPN
esutjss-163	262	3	transformation	transformation	PROPN
esutjss-163	262	4	der	der	PROPN
esutjss-163	262	5	industrie	industrie	PROPN
esutjss-163	262	6	.	.	PUNCT
esutjss-163	262	7	studie	studie	PROPN
esutjss-163	262	8	:	:	PUNCT
esutjss-163	263	1	roland	roland	PROPN
esutjss-163	263	2	berger	berger	PROPN
esutjss-163	263	3	und	und	PROPN
esutjss-163	263	4	bdi	bdi	PROPN
esutjss-163	263	5	bucy	bucy	PROPN
esutjss-163	263	6	,	,	PUNCT
esutjss-163	263	7	m.	m.	NOUN
esutjss-163	263	8	,	,	PUNCT
esutjss-163	263	9	finlayson	finlayson	PROPN
esutjss-163	263	10	,	,	PUNCT
esutjss-163	263	11	a.	a.	PROPN
esutjss-163	263	12	,	,	PUNCT
esutjss-163	263	13	kelly	kelly	PROPN
esutjss-163	263	14	,	,	PUNCT
esutjss-163	263	15	g.	g.	PROPN
esutjss-163	263	16	,	,	PUNCT
esutjss-163	263	17	&	&	CCONJ
esutjss-163	263	18	moye	moye	PROPN
esutjss-163	263	19	,	,	PUNCT
esutjss-163	263	20	c.	c.	PROPN
esutjss-163	263	21	(	(	PUNCT
esutjss-163	263	22	2015	2015	NUM
esutjss-163	263	23	)	)	PUNCT
esutjss-163	263	24	.	.	PUNCT
esutjss-163	264	1	the	the	DET
esutjss-163	264	2	‘	'	PUNCT
esutjss-163	264	3	how	how	SCONJ
esutjss-163	264	4	’	'	PUNCT
esutjss-163	264	5	of	of	ADP
esutjss-163	264	6	transformation	transformation	NOUN
esutjss-163	264	7	.	.	PUNCT
esutjss-163	265	1	mckinsey	mckinsey	PROPN
esutjss-163	265	2	quarterly	quarterly	PROPN
esutjss-163	265	3	.	.	PUNCT
esutjss-163	266	1	retrieved	retrieve	VERB
esutjss-163	266	2	from	from	ADP
esutjss-163	266	3	https://www.mckinsey.com/industries/retail/ourinsights/the	https://www.mckinsey.com/industries/retail/ourinsights/the	DET
esutjss-163	266	4	how	how	SCONJ
esutjss-163	266	5	-	-	PUNCT
esutjss-163	266	6	of	of	ADP
esutjss-163	266	7	-	-	PUNCT
esutjss-163	266	8	transformation	transformation	NOUN
esutjss-163	266	9	cipd	cipd	NOUN
esutjss-163	266	10	(	(	PUNCT
esutjss-163	266	11	2012	2012	NUM
esutjss-163	266	12	)	)	PUNCT
esutjss-163	266	13	,	,	PUNCT
esutjss-163	266	14	responsible	responsible	ADJ
esutjss-163	266	15	and	and	CCONJ
esutjss-163	266	16	sustainable	sustainable	ADJ
esutjss-163	266	17	business	business	NOUN
esutjss-163	266	18	:	:	PUNCT
esutjss-163	266	19	hr	hr	NOUN
esutjss-163	266	20	leading	lead	VERB
esutjss-163	266	21	the	the	DET
esutjss-163	266	22	way	way	NOUN
esutjss-163	266	23	–	–	PUNCT
esutjss-163	266	24	a	a	DET
esutjss-163	266	25	collection	collection	NOUN
esutjss-163	266	26	of	of	ADP
esutjss-163	266	27	‘	'	PUNCT
esutjss-163	266	28	thought	think	VERB
esutjss-163	266	29	pieces	piece	NOUN
esutjss-163	266	30	’	'	PUNCT
esutjss-163	266	31	,	,	PUNCT
esutjss-163	266	32	chartered	chartered	PROPN
esutjss-163	266	33	institute	institute	PROPN
esutjss-163	266	34	of	of	ADP
esutjss-163	266	35	personnel	personnel	NOUN
esutjss-163	266	36	and	and	CCONJ
esutjss-163	266	37	development	development	NOUN
esutjss-163	266	38	,	,	PUNCT
esutjss-163	266	39	london	london	PROPN
esutjss-163	266	40	.	.	PUNCT
esutjss-163	266	41	garzoni	garzoni	PROPN
esutjss-163	266	42	,	,	PUNCT
esutjss-163	266	43	a.	a.	NOUN
esutjss-163	266	44	,	,	PUNCT
esutjss-163	266	45	turi	turi	PROPN
esutjss-163	266	46	,	,	PUNCT
esutjss-163	266	47	i.	i.	PROPN
esutjss-163	266	48	d.	d.	PROPN
esutjss-163	266	49	,	,	PUNCT
esutjss-163	266	50	secundo	secundo	PROPN
esutjss-163	266	51	,	,	PUNCT
esutjss-163	266	52	g.	g.	PROPN
esutjss-163	266	53	,	,	PUNCT
esutjss-163	266	54	&	&	CCONJ
esutjss-163	266	55	vecchio	vecchio	PROPN
esutjss-163	266	56	,	,	PUNCT
esutjss-163	266	57	p.	p.	PROPN
esutjss-163	266	58	d.	d.	PROPN
esutjss-163	266	59	(	(	PUNCT
esutjss-163	266	60	2020	2020	NUM
esutjss-163	266	61	)	)	PUNCT
esutjss-163	266	62	.	.	PUNCT
esutjss-163	267	1	fostering	foster	VERB
esutjss-163	267	2	digital	digital	ADJ
esutjss-163	267	3	transformation	transformation	NOUN
esutjss-163	267	4	of	of	ADP
esutjss-163	267	5	smes	sme	NOUN
esutjss-163	267	6	:	:	PUNCT
esutjss-163	267	7	a	a	DET
esutjss-163	267	8	four	four	NUM
esutjss-163	267	9	levels	level	NOUN
esutjss-163	267	10	approach	approach	NOUN
esutjss-163	267	11	.	.	PUNCT
esutjss-163	268	1	management	management	NOUN
esutjss-163	268	2	decision	decision	NOUN
esutjss-163	268	3	,	,	PUNCT
esutjss-163	268	4	58(8	58(8	NUM
esutjss-163	268	5	)	)	PUNCT
esutjss-163	268	6	,	,	PUNCT
esutjss-163	268	7	15431562	15431562	NUM
esutjss-163	268	8	.	.	PUNCT
esutjss-163	269	1	gobble	gobble	VERB
esutjss-163	269	2	,	,	PUNCT
esutjss-163	269	3	m.	m.	NOUN
esutjss-163	269	4	m.	m.	NOUN
esutjss-163	269	5	(	(	PUNCT
esutjss-163	269	6	2018	2018	NUM
esutjss-163	269	7	)	)	PUNCT
esutjss-163	269	8	.	.	PUNCT
esutjss-163	270	1	digital	digital	ADJ
esutjss-163	270	2	strategy	strategy	NOUN
esutjss-163	270	3	and	and	CCONJ
esutjss-163	270	4	digital	digital	ADJ
esutjss-163	270	5	transformation	transformation	NOUN
esutjss-163	270	6	.	.	PUNCT
esutjss-163	271	1	research	research	NOUN
esutjss-163	271	2	-	-	PUNCT
esutjss-163	271	3	technology	technology	NOUN
esutjss-163	271	4	management	management	NOUN
esutjss-163	271	5	,	,	PUNCT
esutjss-163	271	6	61(5	61(5	NUM
esutjss-163	271	7	)	)	PUNCT
esutjss-163	271	8	,	,	PUNCT
esutjss-163	272	1	p.	p.	NOUN
esutjss-163	272	2	66	66	NUM
esutjss-163	272	3	-	-	SYM
esutjss-163	272	4	71	71	NUM
esutjss-163	272	5	.	.	PUNCT
esutjss-163	273	1	higgs	higgs	PROPN
esutjss-163	273	2	,	,	PUNCT
esutjss-163	273	3	m.	m.	NOUN
esutjss-163	273	4	,	,	PUNCT
esutjss-163	273	5	&	&	CCONJ
esutjss-163	273	6	rowland	rowland	PROPN
esutjss-163	273	7	,	,	PUNCT
esutjss-163	273	8	d.	d.	PROPN
esutjss-163	273	9	(	(	PUNCT
esutjss-163	273	10	2005	2005	NUM
esutjss-163	273	11	)	)	PUNCT
esutjss-163	273	12	.	.	PUNCT
esutjss-163	274	1	all	all	DET
esutjss-163	274	2	changes	change	VERB
esutjss-163	274	3	great	great	ADJ
esutjss-163	274	4	and	and	CCONJ
esutjss-163	274	5	small	small	ADJ
esutjss-163	274	6	:	:	PUNCT
esutjss-163	274	7	exploring	explore	VERB
esutjss-163	274	8	approaches	approach	NOUN
esutjss-163	274	9	to	to	PART
esutjss-163	274	10	change	change	VERB
esutjss-163	274	11	and	and	CCONJ
esutjss-163	274	12	its	its	PRON
esutjss-163	274	13	leadership	leadership	NOUN
esutjss-163	274	14	.	.	PUNCT
esutjss-163	275	1	journal	journal	NOUN
esutjss-163	275	2	of	of	ADP
esutjss-163	275	3	change	change	NOUN
esutjss-163	275	4	management	management	NOUN
esutjss-163	275	5	,	,	PUNCT
esutjss-163	275	6	5(2	5(2	NUM
esutjss-163	275	7	)	)	PUNCT
esutjss-163	275	8	,	,	PUNCT
esutjss-163	276	1	p.	p.	NOUN
esutjss-163	276	2	121	121	NUM
esutjss-163	276	3	-	-	SYM
esutjss-163	276	4	151	151	NUM
esutjss-163	276	5	.	.	PUNCT
esutjss-163	277	1	hilali	hilali	PROPN
esutjss-163	277	2	,	,	PUNCT
esutjss-163	277	3	w.	w.	PROPN
esutjss-163	277	4	e.	e.	PROPN
esutjss-163	277	5	,	,	PUNCT
esutjss-163	277	6	manouar	manouar	PROPN
esutjss-163	277	7	,	,	PUNCT
esutjss-163	277	8	a.	a.	PROPN
esutjss-163	277	9	e.	e.	PROPN
esutjss-163	277	10	,	,	PUNCT
esutjss-163	277	11	&	&	CCONJ
esutjss-163	277	12	idrissi	idrissi	PROPN
esutjss-163	277	13	,	,	PUNCT
esutjss-163	277	14	m.	m.	NOUN
esutjss-163	277	15	a.	a.	PROPN
esutjss-163	277	16	j.	j.	PROPN
esutjss-163	277	17	(	(	PUNCT
esutjss-163	277	18	2020	2020	NUM
esutjss-163	277	19	)	)	PUNCT
esutjss-163	277	20	.	.	PUNCT
esutjss-163	278	1	reaching	reach	VERB
esutjss-163	278	2	sustainability	sustainability	NOUN
esutjss-163	278	3	during	during	ADP
esutjss-163	278	4	a	a	DET
esutjss-163	278	5	digital	digital	ADJ
esutjss-163	278	6	transformation	transformation	NOUN
esutjss-163	278	7	:	:	PUNCT
esutjss-163	278	8	a	a	DET
esutjss-163	278	9	pls	pls	NOUN
esutjss-163	278	10	approach	approach	NOUN
esutjss-163	278	11	.	.	PUNCT
esutjss-163	279	1	international	international	ADJ
esutjss-163	279	2	journal	journal	PROPN
esutjss-163	279	3	of	of	ADP
esutjss-163	279	4	innovation	innovation	NOUN
esutjss-163	279	5	science	science	NOUN
esutjss-163	279	6	,	,	PUNCT
esutjss-163	279	7	12(1	12(1	NUM
esutjss-163	279	8	)	)	PUNCT
esutjss-163	279	9	,	,	PUNCT
esutjss-163	279	10	52	52	NUM
esutjss-163	279	11	-	-	SYM
esutjss-163	279	12	79	79	NUM
esutjss-163	279	13	.	.	PUNCT
esutjss-163	280	1	https://www.njri.unilag.edu.ng/article/view/1387/1064	https://www.njri.unilag.edu.ng/article/view/1387/1064	PROPN
esutjss-163	280	2	https://www.esutjss.com/index.php/esutjss/article/view/53	https://www.esutjss.com/index.php/esutjss/article/view/53	PROPN
esutjss-163	280	3	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	PROPN
esutjss-163	280	4	122	122	NUM
esutjss-163	280	5	kenney	kenney	NOUN
esutjss-163	280	6	,	,	PUNCT
esutjss-163	280	7	m.	m.	NOUN
esutjss-163	280	8	,	,	PUNCT
esutjss-163	280	9	rouvinen	rouvinen	NOUN
esutjss-163	280	10	,	,	PUNCT
esutjss-163	280	11	p.	p.	NOUN
esutjss-163	280	12	,	,	PUNCT
esutjss-163	280	13	&	&	CCONJ
esutjss-163	280	14	zysman	zysman	PROPN
esutjss-163	280	15	,	,	PUNCT
esutjss-163	280	16	j.	j.	PROPN
esutjss-163	280	17	(	(	PUNCT
esutjss-163	280	18	2015	2015	NUM
esutjss-163	280	19	)	)	PUNCT
esutjss-163	280	20	.	.	PUNCT
esutjss-163	281	1	the	the	DET
esutjss-163	281	2	digital	digital	ADJ
esutjss-163	281	3	disruption	disruption	NOUN
esutjss-163	281	4	and	and	CCONJ
esutjss-163	281	5	its	its	PRON
esutjss-163	281	6	societal	societal	ADJ
esutjss-163	281	7	impacts	impact	NOUN
esutjss-163	281	8	.	.	PUNCT
esutjss-163	282	1	journal	journal	NOUN
esutjss-163	282	2	of	of	ADP
esutjss-163	282	3	industry	industry	NOUN
esutjss-163	282	4	,	,	PUNCT
esutjss-163	282	5	competition	competition	NOUN
esutjss-163	282	6	and	and	CCONJ
esutjss-163	282	7	trade	trade	NOUN
esutjss-163	282	8	,	,	PUNCT
esutjss-163	282	9	15(1	15(1	NUM
esutjss-163	282	10	)	)	PUNCT
esutjss-163	282	11	,	,	PUNCT
esutjss-163	283	1	p.	p.	NOUN
esutjss-163	283	2	1	1	NUM
esutjss-163	283	3	-	-	SYM
esutjss-163	283	4	4	4	NUM
esutjss-163	283	5	.	.	PUNCT
esutjss-163	284	1	mahmood	mahmood	PROPN
esutjss-163	284	2	,	,	PUNCT
esutjss-163	284	3	f.	f.	PROPN
esutjss-163	284	4	,	,	PUNCT
esutjss-163	284	5	khan	khan	PROPN
esutjss-163	284	6	,	,	PUNCT
esutjss-163	284	7	a.	a.	PROPN
esutjss-163	284	8	z.	z.	PROPN
esutjss-163	284	9	,	,	PUNCT
esutjss-163	284	10	&	&	CCONJ
esutjss-163	284	11	bokhari	bokhari	PROPN
esutjss-163	284	12	,	,	PUNCT
esutjss-163	284	13	r.	r.	PROPN
esutjss-163	284	14	h.	h.	PROPN
esutjss-163	284	15	(	(	PUNCT
esutjss-163	284	16	2019	2019	NUM
esutjss-163	284	17	)	)	PUNCT
esutjss-163	284	18	.	.	PUNCT
esutjss-163	285	1	erp	erp	PROPN
esutjss-163	285	2	issues	issue	NOUN
esutjss-163	285	3	and	and	CCONJ
esutjss-163	285	4	challenges	challenge	NOUN
esutjss-163	285	5	:	:	PUNCT
esutjss-163	285	6	a	a	DET
esutjss-163	285	7	research	research	NOUN
esutjss-163	285	8	synthesis	synthesis	NOUN
esutjss-163	285	9	.	.	PUNCT
esutjss-163	286	1	kybernetes	kybernete	NOUN
esutjss-163	286	2	,	,	PUNCT
esutjss-163	286	3	ahead	ahead	ADV
esutjss-163	286	4	-	-	PUNCT
esutjss-163	286	5	of	of	ADP
esutjss-163	286	6	-	-	PUNCT
esutjss-163	286	7	print	print	NOUN
esutjss-163	286	8	(	(	PUNCT
esutjss-163	286	9	ahead	ahead	ADV
esutjss-163	286	10	-	-	PUNCT
esutjss-163	286	11	of	of	ADP
esutjss-163	286	12	-	-	PUNCT
esutjss-163	286	13	print	print	NOUN
esutjss-163	286	14	)	)	PUNCT
esutjss-163	286	15	.	.	PUNCT
esutjss-163	287	1	mohd	mohd	PROPN
esutjss-163	287	2	-	-	PUNCT
esutjss-163	287	3	zawawi	zawawi	PROPN
esutjss-163	287	4	,	,	PUNCT
esutjss-163	287	5	n.	n.	PROPN
esutjss-163	287	6	f.	f.	PROPN
esutjss-163	287	7	&	&	CCONJ
esutjss-163	287	8	abdwahab	abdwahab	PROPN
esutjss-163	287	9	,	,	PUNCT
esutjss-163	287	10	s.	s.	PROPN
esutjss-163	287	11	(	(	PUNCT
esutjss-163	287	12	2019	2019	NUM
esutjss-163	287	13	)	)	PUNCT
esutjss-163	287	14	.	.	PUNCT
esutjss-163	288	1	organizational	organizational	ADJ
esutjss-163	288	2	sustainability	sustainability	NOUN
esutjss-163	288	3	:	:	PUNCT
esutjss-163	288	4	a	a	DET
esutjss-163	288	5	redefinition	redefinition	NOUN
esutjss-163	288	6	?	?	PUNCT
esutjss-163	289	1	journal	journal	NOUN
esutjss-163	289	2	of	of	ADP
esutjss-163	289	3	strategy	strategy	NOUN
esutjss-163	289	4	and	and	CCONJ
esutjss-163	289	5	management	management	NOUN
esutjss-163	289	6	.	.	PUNCT
esutjss-163	290	1	emerald	emerald	PROPN
esutjss-163	290	2	publishing	publishing	PROPN
esutjss-163	290	3	limited	limit	VERB
esutjss-163	290	4	.	.	PUNCT
esutjss-163	291	1	1755	1755	NUM
esutjss-163	291	2	-	-	PUNCT
esutjss-163	291	3	455x	455x	NOUN
esutjss-163	291	4	.	.	PUNCT
esutjss-163	292	1	doi:01:1108	doi:01:1108	PROPN
esutjss-163	292	2	/	/	SYM
esutjss-163	292	3	jsma-08	jsma-08	PROPN
esutjss-163	292	4	-	-	PUNCT
esutjss-163	292	5	2018	2018	NUM
esutjss-163	292	6	-	-	PUNCT
esutjss-163	292	7	0077	0077	NUM
esutjss-163	292	8	.	.	PUNCT
esutjss-163	293	1	nadeem	nadeem	PROPN
esutjss-163	293	2	,	,	PUNCT
esutjss-163	293	3	a	a	PRON
esutjss-163	293	4	(	(	PUNCT
esutjss-163	293	5	2018	2018	NUM
esutjss-163	293	6	)	)	PUNCT
esutjss-163	293	7	.	.	PUNCT
esutjss-163	294	1	digital	digital	ADJ
esutjss-163	294	2	technology	technology	NOUN
esutjss-163	294	3	platforms	platform	NOUN
esutjss-163	294	4	in	in	ADP
esutjss-163	294	5	next	next	ADJ
esutjss-163	294	6	generation	generation	NOUN
esutjss-163	294	7	workspaces	workspace	NOUN
esutjss-163	294	8	,	,	PUNCT
esutjss-163	294	9	accessed	access	VERB
esutjss-163	294	10	from	from	ADP
esutjss-163	294	11	https://www.linkedin.com/pulse/digital-technology-platforms-next-generationworkspaces-nadeem-ahmad/	https://www.linkedin.com/pulse/digital-technology-platforms-next-generationworkspaces-nadeem-ahmad/	PROPN
esutjss-163	294	12	on	on	ADP
esutjss-163	294	13	2nd	2nd	PROPN
esutjss-163	294	14	april	april	PROPN
esutjss-163	294	15	,	,	PUNCT
esutjss-163	294	16	2022	2022	NUM
esutjss-163	294	17	peter	peter	PROPN
esutjss-163	294	18	,	,	PUNCT
esutjss-163	294	19	m.	m.	PROPN
esutjss-163	294	20	k.	k.	PROPN
esutjss-163	294	21	,	,	PUNCT
esutjss-163	294	22	kraft	kraft	PROPN
esutjss-163	294	23	,	,	PUNCT
esutjss-163	294	24	c.	c.	PROPN
esutjss-163	294	25	,	,	PUNCT
esutjss-163	294	26	&	&	CCONJ
esutjss-163	294	27	lindeque	lindeque	NOUN
esutjss-163	294	28	,	,	PUNCT
esutjss-163	294	29	j.	j.	PROPN
esutjss-163	294	30	(	(	PUNCT
esutjss-163	294	31	2020	2020	NUM
esutjss-163	294	32	)	)	PUNCT
esutjss-163	294	33	.	.	PUNCT
esutjss-163	295	1	strategic	strategic	ADJ
esutjss-163	295	2	action	action	NOUN
esutjss-163	295	3	fields	field	NOUN
esutjss-163	295	4	of	of	ADP
esutjss-163	295	5	digital	digital	ADJ
esutjss-163	295	6	transformation	transformation	NOUN
esutjss-163	295	7	:	:	PUNCT
esutjss-163	295	8	an	an	DET
esutjss-163	295	9	exploration	exploration	NOUN
esutjss-163	295	10	of	of	ADP
esutjss-163	295	11	the	the	DET
esutjss-163	295	12	strategic	strategic	ADJ
esutjss-163	295	13	action	action	NOUN
esutjss-163	295	14	fields	field	NOUN
esutjss-163	295	15	of	of	ADP
esutjss-163	295	16	swiss	swiss	ADJ
esutjss-163	295	17	smes	sme	NOUN
esutjss-163	295	18	and	and	CCONJ
esutjss-163	295	19	large	large	ADJ
esutjss-163	295	20	enterprises	enterprise	NOUN
esutjss-163	295	21	.	.	PUNCT
esutjss-163	296	1	journal	journal	NOUN
esutjss-163	296	2	of	of	ADP
esutjss-163	296	3	strategy	strategy	NOUN
esutjss-163	296	4	and	and	CCONJ
esutjss-163	296	5	management	management	NOUN
esutjss-163	296	6	,	,	PUNCT
esutjss-163	296	7	13(1	13(1	NUM
esutjss-163	296	8	)	)	PUNCT
esutjss-163	296	9	,	,	PUNCT
esutjss-163	296	10	160	160	NUM
esutjss-163	296	11	-	-	SYM
esutjss-163	296	12	180	180	NUM
esutjss-163	296	13	pflaum	pflaum	NOUN
esutjss-163	296	14	,	,	PUNCT
esutjss-163	296	15	a.	a.	NOUN
esutjss-163	296	16	a.	a.	PROPN
esutjss-163	296	17	,	,	PUNCT
esutjss-163	296	18	&	&	CCONJ
esutjss-163	296	19	golzer	golzer	PROPN
esutjss-163	296	20	,	,	PUNCT
esutjss-163	296	21	p.	p.	NOUN
esutjss-163	296	22	(	(	PUNCT
esutjss-163	296	23	2018	2018	NUM
esutjss-163	296	24	)	)	PUNCT
esutjss-163	296	25	.	.	PUNCT
esutjss-163	297	1	the	the	DET
esutjss-163	297	2	iot	iot	NOUN
esutjss-163	297	3	and	and	CCONJ
esutjss-163	297	4	digital	digital	ADJ
esutjss-163	297	5	transformation	transformation	NOUN
esutjss-163	297	6	:	:	PUNCT
esutjss-163	297	7	toward	toward	ADP
esutjss-163	297	8	the	the	DET
esutjss-163	297	9	data	datum	NOUN
esutjss-163	297	10	driven	drive	VERB
esutjss-163	297	11	enterprise	enterprise	NOUN
esutjss-163	297	12	.	.	PUNCT
esutjss-163	298	1	ieee	ieee	NOUN
esutjss-163	298	2	pervasive	pervasive	ADJ
esutjss-163	298	3	computing	computing	NOUN
esutjss-163	298	4	(	(	PUNCT
esutjss-163	298	5	1	1	NUM
esutjss-163	298	6	)	)	PUNCT
esutjss-163	298	7	,	,	PUNCT
esutjss-163	298	8	p.	p.	NOUN
esutjss-163	298	9	87	87	NUM
esutjss-163	298	10	-	-	SYM
esutjss-163	298	11	91	91	NUM
esutjss-163	298	12	.	.	PUNCT
esutjss-163	298	13	pwc	pwc	PROPN
esutjss-163	298	14	(	(	PUNCT
esutjss-163	298	15	2013	2013	NUM
esutjss-163	298	16	)	)	PUNCT
esutjss-163	298	17	.	.	PUNCT
esutjss-163	299	1	digitale	digitale	PROPN
esutjss-163	299	2	transformation	transformation	NOUN
esutjss-163	299	3	–	–	PUNCT
esutjss-163	299	4	der	der	ADJ
esutjss-163	299	5	groۧtewandelseit	groۧtewandelseit	PROPN
esutjss-163	299	6	der	der	NOUN
esutjss-163	299	7	industriellen	industriellen	ADJ
esutjss-163	299	8	revolution	revolution	NOUN
esutjss-163	299	9	.	.	PUNCT
esutjss-163	300	1	frankfurt	frankfurt	PROPN
esutjss-163	300	2	:	:	PUNCT
esutjss-163	300	3	pricewaterhousecoopers	pricewaterhousecoopers	PROPN
esutjss-163	300	4	troshani	troshani	PROPN
esutjss-163	300	5	,	,	PUNCT
esutjss-163	300	6	i.	i.	PROPN
esutjss-163	300	7	,	,	PUNCT
esutjss-163	300	8	locke	locke	PROPN
esutjss-163	300	9	,	,	PUNCT
esutjss-163	300	10	j.	j.	PROPN
esutjss-163	300	11	,	,	PUNCT
esutjss-163	300	12	&	&	CCONJ
esutjss-163	300	13	rowbottom	rowbottom	NOUN
esutjss-163	300	14	,	,	PUNCT
esutjss-163	300	15	n.	n.	NOUN
esutjss-163	300	16	(	(	PUNCT
esutjss-163	300	17	2019	2019	NUM
esutjss-163	300	18	)	)	PUNCT
esutjss-163	300	19	.	.	PUNCT
esutjss-163	301	1	transformation	transformation	NOUN
esutjss-163	301	2	of	of	ADP
esutjss-163	301	3	accounting	account	VERB
esutjss-163	301	4	through	through	ADP
esutjss-163	301	5	digital	digital	ADJ
esutjss-163	301	6	standardization	standardization	NOUN
esutjss-163	301	7	:	:	PUNCT
esutjss-163	301	8	tracing	trace	VERB
esutjss-163	301	9	the	the	DET
esutjss-163	301	10	construction	construction	NOUN
esutjss-163	301	11	of	of	ADP
esutjss-163	301	12	the	the	DET
esutjss-163	301	13	ifrs	ifrs	NOUN
esutjss-163	301	14	taxonomy	taxonomy	NOUN
esutjss-163	301	15	.	.	PUNCT
esutjss-163	302	1	accounting	accounting	NOUN
esutjss-163	302	2	,	,	PUNCT
esutjss-163	302	3	auditing	auditing	NOUN
esutjss-163	302	4	and	and	CCONJ
esutjss-163	302	5	accountability	accountability	NOUN
esutjss-163	302	6	journal	journal	NOUN
esutjss-163	302	7	,	,	PUNCT
esutjss-163	302	8	32(1	32(1	NUM
esutjss-163	302	9	)	)	PUNCT
esutjss-163	302	10	,	,	PUNCT
esutjss-163	302	11	133	133	NUM
esutjss-163	302	12	-	-	SYM
esutjss-163	302	13	162	162	NUM
esutjss-163	302	14	.	.	PUNCT
esutjss-163	303	1	vial	vial	ADJ
esutjss-163	303	2	,	,	PUNCT
esutjss-163	303	3	g.	g.	PROPN
esutjss-163	303	4	(	(	PUNCT
esutjss-163	303	5	2019	2019	NUM
esutjss-163	303	6	)	)	PUNCT
esutjss-163	303	7	.	.	PUNCT
esutjss-163	304	1	understanding	understand	VERB
esutjss-163	304	2	digital	digital	ADJ
esutjss-163	304	3	transformation	transformation	NOUN
esutjss-163	304	4	:	:	PUNCT
esutjss-163	304	5	a	a	DET
esutjss-163	304	6	review	review	NOUN
esutjss-163	304	7	and	and	CCONJ
esutjss-163	304	8	a	a	DET
esutjss-163	304	9	research	research	NOUN
esutjss-163	304	10	agenda	agenda	NOUN
esutjss-163	304	11	.	.	PUNCT
esutjss-163	305	1	journal	journal	NOUN
esutjss-163	305	2	of	of	ADP
esutjss-163	305	3	strategic	strategic	ADJ
esutjss-163	305	4	information	information	NOUN
esutjss-163	305	5	systems	system	NOUN
esutjss-163	305	6	,	,	PUNCT
esutjss-163	305	7	28(2	28(2	NUM
esutjss-163	305	8	)	)	PUNCT
esutjss-163	305	9	,	,	PUNCT
esutjss-163	305	10	118	118	NUM
esutjss-163	305	11	-	-	SYM
esutjss-163	305	12	144	144	NUM
esutjss-163	305	13	.	.	PUNCT
esutjss-163	306	1	westerman	westerman	PROPN
esutjss-163	306	2	,	,	PUNCT
esutjss-163	306	3	g	g	PROPN
esutjss-163	306	4	,	,	PUNCT
esutjss-163	306	5	c	c	NOUN
esutjss-163	306	6	calméjane	calméjane	NOUN
esutjss-163	306	7	,	,	PUNCT
esutjss-163	306	8	d	d	NOUN
esutjss-163	306	9	bonnet	bonnet	NOUN
esutjss-163	306	10	,	,	PUNCT
esutjss-163	306	11	p	p	PROPN
esutjss-163	306	12	ferraris	ferraris	PROPN
esutjss-163	306	13	and	and	CCONJ
esutjss-163	306	14	a	a	DET
esutjss-163	306	15	mcafee	mcafee	NOUN
esutjss-163	306	16	(	(	PUNCT
esutjss-163	306	17	2011	2011	NUM
esutjss-163	306	18	)	)	PUNCT
esutjss-163	306	19	.	.	PUNCT
esutjss-163	307	1	digital	digital	ADJ
esutjss-163	307	2	transformation	transformation	NOUN
esutjss-163	307	3	:	:	PUNCT
esutjss-163	307	4	a	a	DET
esutjss-163	307	5	roadmap	roadmap	NOUN
esutjss-163	307	6	for	for	ADP
esutjss-163	307	7	billion	billion	NUM
esutjss-163	307	8	-	-	PUNCT
esutjss-163	307	9	dollar	dollar	NOUN
esutjss-163	307	10	organizations	organization	NOUN
esutjss-163	307	11	.	.	PUNCT
esutjss-163	308	1	mit	mit	PROPN
esutjss-163	308	2	center	center	NOUN
esutjss-163	308	3	for	for	ADP
esutjss-163	308	4	digital	digital	ADJ
esutjss-163	308	5	business	business	NOUN
esutjss-163	308	6	and	and	CCONJ
esutjss-163	308	7	capgemini	capgemini	PROPN
esutjss-163	308	8	consulting	consulting	NOUN
esutjss-163	308	9	,	,	PUNCT
esutjss-163	308	10	1–68	1–68	PROPN
esutjss-163	308	11	.	.	PUNCT
esutjss-163	309	1	world	world	PROPN
esutjss-163	309	2	economic	economic	PROPN
esutjss-163	309	3	forum	forum	PROPN
esutjss-163	309	4	,	,	PUNCT
esutjss-163	309	5	(	(	PUNCT
esutjss-163	309	6	2016	2016	NUM
esutjss-163	309	7	)	)	PUNCT
esutjss-163	309	8	.	.	PUNCT
esutjss-163	310	1	the	the	DET
esutjss-163	310	2	future	future	NOUN
esutjss-163	310	3	of	of	ADP
esutjss-163	310	4	jobs	job	NOUN
esutjss-163	310	5	employment	employment	NOUN
esutjss-163	310	6	,	,	PUNCT
esutjss-163	310	7	skills	skill	NOUN
esutjss-163	310	8	and	and	CCONJ
esutjss-163	310	9	workforce	workforce	NOUN
esutjss-163	310	10	strategy	strategy	NOUN
esutjss-163	310	11	for	for	ADP
esutjss-163	310	12	the	the	DET
esutjss-163	310	13	fourth	fourth	ADJ
esutjss-163	310	14	industrial	industrial	ADJ
esutjss-163	310	15	revolution	revolution	NOUN
esutjss-163	310	16	.	.	PUNCT
esutjss-163	311	1	available	available	ADJ
esutjss-163	311	2	at	at	ADP
esutjss-163	311	3	:	:	PUNCT
esutjss-163	311	4	www3.weforum.org/docs/wef_future_of_jobs.pdf	www3.weforum.org/docs/wef_future_of_jobs.pdf	PROPN
esutjss-163	311	5	world	world	PROPN
esutjss-163	311	6	economic	economic	PROPN
esutjss-163	311	7	forum	forum	PROPN
esutjss-163	311	8	,	,	PUNCT
esutjss-163	311	9	(	(	PUNCT
esutjss-163	311	10	2018	2018	NUM
esutjss-163	311	11	)	)	PUNCT
esutjss-163	311	12	.	.	PUNCT
esutjss-163	312	1	the	the	DET
esutjss-163	312	2	future	future	NOUN
esutjss-163	312	3	of	of	ADP
esutjss-163	312	4	jobs	job	NOUN
esutjss-163	312	5	report	report	VERB
esutjss-163	312	6	2018	2018	NUM
esutjss-163	312	7	.	.	PUNCT
esutjss-163	313	1	[	[	X
esutjss-163	313	2	available	available	ADJ
esutjss-163	313	3	at	at	ADP
esutjss-163	313	4	www3.weforum.org/docs/wef_future_of_jobs_2018	www3.weforum.org/docs/wef_future_of_jobs_2018	PROPN
esutjss-163	313	5	.	.	PUNCT
esutjss-163	314	1	world	world	PROPN
esutjss-163	314	2	economic	economic	PROPN
esutjss-163	314	3	forum	forum	PROPN
esutjss-163	314	4	,	,	PUNCT
esutjss-163	314	5	(	(	PUNCT
esutjss-163	314	6	2019	2019	NUM
esutjss-163	314	7	)	)	PUNCT
esutjss-163	314	8	.	.	PUNCT
esutjss-163	315	1	strategies	strategy	NOUN
esutjss-163	315	2	for	for	ADP
esutjss-163	315	3	the	the	DET
esutjss-163	315	4	new	new	ADJ
esutjss-163	315	5	economy	economy	NOUN
esutjss-163	315	6	skills	skill	NOUN
esutjss-163	315	7	as	as	ADP
esutjss-163	315	8	the	the	DET
esutjss-163	315	9	currency	currency	NOUN
esutjss-163	315	10	of	of	ADP
esutjss-163	315	11	the	the	DET
esutjss-163	315	12	labour	labour	NOUN
esutjss-163	315	13	market	market	NOUN
esutjss-163	315	14	.	.	PUNCT
esutjss-163	316	1	available	available	ADJ
esutjss-163	316	2	at	at	ADP
esutjss-163	316	3	:	:	PUNCT
esutjss-163	316	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-163	316	5	yusuf	yusuf	PROPN
esutjss-163	316	6	,	,	PUNCT
esutjss-163	316	7	t.o	t.o	PROPN
esutjss-163	316	8	.	.	PROPN
esutjss-163	316	9	,	,	PUNCT
esutjss-163	316	10	ajemunigbohun	ajemunigbohun	PROPN
esutjss-163	316	11	,	,	PUNCT
esutjss-163	316	12	s.s	s.s	PROPN
esutjss-163	316	13	.	.	PROPN
esutjss-163	316	14	,	,	PUNCT
esutjss-163	316	15	&	&	CCONJ
esutjss-163	316	16	alli	alli	PROPN
esutjss-163	316	17	,	,	PUNCT
esutjss-163	316	18	n.g	n.g	PROPN
esutjss-163	316	19	(	(	PUNCT
esutjss-163	316	20	2017	2017	NUM
esutjss-163	316	21	)	)	PUNCT
esutjss-163	316	22	.	.	PUNCT
esutjss-163	317	1	a	a	DET
esutjss-163	317	2	critical	critical	ADJ
esutjss-163	317	3	review	review	NOUN
esutjss-163	317	4	of	of	ADP
esutjss-163	317	5	insurance	insurance	NOUN
esutjss-163	317	6	claims	claim	NOUN
esutjss-163	317	7	management	management	NOUN
esutjss-163	317	8	:	:	PUNCT
esutjss-163	317	9	a	a	DET
esutjss-163	317	10	study	study	NOUN
esutjss-163	317	11	of	of	ADP
esutjss-163	317	12	selected	select	VERB
esutjss-163	317	13	insurance	insurance	NOUN
esutjss-163	317	14	companies	company	NOUN
esutjss-163	317	15	in	in	ADP
esutjss-163	317	16	nigeria	nigeria	PROPN
esutjss-163	317	17	.	.	PUNCT
esutjss-163	318	1	spoudai	spoudai	PROPN
esutjss-163	318	2	-	-	PUNCT
esutjss-163	318	3	journal	journal	NOUN
esutjss-163	318	4	of	of	ADP
esutjss-163	318	5	economics	economic	NOUN
esutjss-163	318	6	and	and	CCONJ
esutjss-163	318	7	business	business	NOUN
esutjss-163	318	8	university	university	PROPN
esutjss-163	318	9	of	of	ADP
esutjss-163	318	10	piraeus	piraeus	NOUN
esutjss-163	318	11	,	,	PUNCT
esutjss-163	318	12	67(2	67(2	NUM
esutjss-163	318	13	)	)	PUNCT
esutjss-163	318	14	,	,	PUNCT
esutjss-163	318	15	69	69	NUM
esutjss-163	318	16	-	-	SYM
esutjss-163	318	17	84	84	NUM
esutjss-163	318	18	https://www.linkedin.com/pulse/digital-technology-platforms-next-generation-workspaces-nadeem-ahmad/	https://www.linkedin.com/pulse/digital-technology-platforms-next-generation-workspaces-nadeem-ahmad/	NOUN
esutjss-163	318	19	https://www.linkedin.com/pulse/digital-technology-platforms-next-generation-workspaces-nadeem-ahmad/	https://www.linkedin.com/pulse/digital-technology-platforms-next-generation-workspaces-nadeem-ahmad/	NOUN
esutjss-163	318	20	page	page	NOUN
esutjss-163	318	21	7	7	NUM